Exploring Investment Fundamentals with

Investing Building Blocks Cash equivalents Bonds 1, or fixed income Stocks, or equities 1 A bond fund's yield, share price and total return change daily and are based on changes in interest rates, market conditions, economic and political news, and the quality and maturity of its investments. In general, bond prices fall when interest rates rise and vice versa.

Risk vs. Return Potential This chart is FOR ILLUSTRATIVE PURPOSES ONLY and does not predict or guarantee the returns of any given asset class. Higher risk/return potential Lower risk/return potential Cash Equivalents (Fixed/Stable Value) Cash Equivalents (Fixed/Stable Value) Bonds (Fixed Income ) Bonds (Fixed Income ) Stocks (Equities ) Stocks (Equities )

Cash Equivalents Savings accounts and CDs 2 Money market investments* Guaranteed accounts Stable value investments Cash Equivalents (Fixed/Stable Value) Cash Equivalents (Fixed/Stable Value) * An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund. 2 Certificates of deposit are insured by the FDIC for up to $250,000 per depositor and offer a fixed rate of return, whereas both the principal and yield of bonds and stocks will fluctuate with market conditions.

Bonds 1 Fixed income securities Lend money to bond issuer Repaid on certain date—with interest Receive regular interest payments Issued by companies and governments Bonds (Fixed Income ) Bonds (Fixed Income )

Stocks (Equities ) Stocks (Equities ) Stocks Highest potential returns Part of long-term portfolio Highest risk Volatility—market ups and downs

Market Capitalization Large cap: large, established, pay dividends Mid cap 3 : established, yet innovative and responsive Small cap 4 : new, cutting edge, potential for rapid growth 3 Equity securities of medium-sized companies may be more volatile than securities of larger, more established companies. 4 Equity securities of small-sized companies may be more volatile than securities of larger, more established companies.

International Stocks 5 Companies outside the United States Both high risk and return potential May tend to fluctuate in value opposite to U.S. stocks 5 Foreign investments involve special risks, including currency fluctuations and political developments.

$4,861 Invest for the Long Term Growth of $1,000: December 1989 to December 2009 IndexMeasures Consumer Price Index Inflation 91-Day Treasury BillsCash Equivalents BarCap U.S. Bonds Aggregate Bond Index S&P 500 ® Index Large-Cap Stocks S&P MidCap 400 ® Index Mid-Cap Stocks 3 Russell 2000 ® Index Small-Cap Stocks 4 MSCI EAFE ® Index International Stocks 5 $5,880 $10,625 $4,569 $1,944 $2,646 $1,915 Source: Morningstar Direct and U.S. Bureau of Labor Statistics. FOR ILLUSTRATIVE PURPOSES ONLY. The U.S. government guarantees the timely payment of principal and interest of Treasury bills, whereas the return and principal value of an investment in stocks and bonds will fluctuate with changes in market conditions. Bonds can offer fixed principal and yield when held to maturity. Index performance does not represent any particular securities product. You cannot invest directly in an index. Past performance is not a guarantee of future results.

Consumer Price Index (CPI) The CPI is an index which measures the price changes in consumer goods and services, such as gasoline, food and automobiles. 91-Day Treasury Bills U.S. Treasury securities are guaranteed as to the timely payment of principal and interest if held to maturity. Fund shares are neither issued nor guaranteed by the U.S. government. Barclays Capital U.S. Aggregate Bond Index The Barclays Capital U.S. Aggregate Bond Index is an unmanaged index representative of the broad bond market and is composed of government and corporate bonds, mortgage-backed bonds and asset-backed bonds. S&P 500 ® Index The S&P 500 Index is an unmanaged index of the 500 largest common stocks (in terms of market value), weighted by market capitalization and considered representative of the broad stock market. “S&P 500 ® " is a trademark of The McGraw-Hill Companies, Inc. S&P MidCap 400 ® Index The S&P MidCap 400 is an unmanaged, market- weighted index consisting of 400 domestic stocks chosen for market size, liquidity and industry group presentation. “S&P MidCap 400 Index” is a trademark of The McGraw-Hill Companies, Inc. Russell 2000 ® Index The Russell 2000 Index is an unmanaged index measuring the performance of the 2,000 smallest companies in the Russell 3000 Index. The Russell 3000 Index consists of 3,000 stocks, primarily issued by U.S. companies, that includes issues of all sizes, from large to small capitalization companies. MSCI EAFE ® Index The MSCI EAFE Index is an unmanaged index representing the developed markets outside North America—Europe, Australasia and the Far East. Index Definitions

Mutual Fund Benefits Professionally managed Diversified portfolio 6 6 Diversification of an investment portfolio does not ensure a profit and does not protect against loss in declining markets.

Management Styles Growth Value Blend

Investment Risks Market risk Business risk Inflation risk Interest rate risk International risk Not investing risk

Manage Risk Diversify with asset allocation. 6 Invest consistently. Invest for the long term. 6 Diversification of an investment portfolio does not ensure a profit and does not protect against loss in declining markets.

Asset Allocation 7 FOR ILLUSTRATIVE PURPOSES ONLY. These investment strategies are only intended to illustrate possible investment portfolio allocations that represent an investment strategy based on risk and return. This is not intended as financial planning or investment advice. Investment Styles Conservative 7 Moderate 7 Aggressive 7

Identify Risk Tolerance 1.I am a knowledgeable investor who understands the trade-off between risk and return. I am willing to accept a greater degree of risk for potentially higher returns. Strongly Disagree Strongly Agree 2.I am willing to invest on a long-term basis. Strongly Disagree Strongly Agree 3.If one of my investments dropped 20% in value over six months due to stock market fluctuation, I would hold on to that investment, expecting it to recover its value. Strongly Disagree Strongly Agree 4.I have savings vehicles other than this Plan that make me feel secure about my financial future. Strongly Disagree Strongly Agree

Identify Risk Tolerance Investor Types Conservative (4-8 points): lower risk for lower potential returns Moderate (9-14 points): balance between lower and higher risk investments; comfortable with some volatility Aggressive (15-20 points): comfortable with higher risk for potentially higher returns

Tools You Can Use Internet sites Magazines and books Investment clubs Plan participation 8 KeyTalk: ® (877) Access to KeyTalk and the Web site may be limited or unavailable during periods of peak demand, market volatility, systems upgrades/maintenance or other reasons.

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