The objective of the Moderate Income Model is income generation with capital appreciation a secondary consideration. The interest rate and market value of the model will change in reaction to interest rates, government policies and worldwide economic

1
Introducing the ABC Retirement SolutionsAsset
Allocation Models
In working with many retirement plan clients, we
find there are usually two groups of
participants The first group of employees are
those who are comfortable selecting their own mix
of investments from a menu of individual mutual
funds. The second group of employees are those
who would prefer to select a single, managed
portfolio for their retirement account that will
be professionally managed over time. That is the
focus of the ABC Retirement Solutions Asset
Allocation Models. As a set of five portfolios
with objectives spanning from conservative to
growth, the ABC asset allocation models provide
convenient exposure to the key asset classes
while helping to simplify the process of
investing for retirement. Each of these asset
allocation models is tailored to different
participant needs. They can be used alone, or in
combination with other funds to attain your
desired asset allocation objective
The objective of the Income Model is to generate
income. The interest rate and principal market
value of this model will change in reaction to
interest rates, government policies, and
worldwide economic conditions. The asset
allocation of the Income Model is 100 fixed
income mutual funds. Investments in the fixed
income funds may include US Government
obligations, corporate notes, asset-backed and
mortgage-backed securities, commercial paper and
other fixed income securities. The majority of
issues will have maturities or average lives
between one and ten years.
The objective of the Moderate Income Model is
income generation with capital appreciation a
secondary consideration. The interest rate and
market value of the model will change in reaction
to interest rates, government policies and
worldwide economic conditions. The Moderate
Income Model allocates its assets to 75 fixed
income and 25 stocks. The asset classes are
high-quality fixed income and stock funds. The
fixed income portion consists of short-and
intermediate-term mutual funds. The stock portion
is diversified between value and growth, large
and small, and domestic and international
companies.
The objective of the Balanced Model is to balance
capital appreciation and current income in stock
and fixed income funds. The interest rate and
market value of the model will change in reaction
to interest rates, government policies and
worldwide economic conditions. The Balanced Model
allocates its assets to 50 fixed income and 50
stocks. The asset classes are high-quality fixed
income and stock funds. The fixed income portion
consists of short-and intermediate-term mutual
funds. The stock portion is diversified between
value and growth, large and small, and domestic
and international companies.
The objective of the Moderate Growth Model is
capital appreciation with current income a
secondary consideration. The interest rate and
market value of the model will change in reaction
to interest rates, government policies and
worldwide economic conditions. The Moderate
Growth Model allocates its assets to 25 fixed
income and 75 stocks. The asset classes are
high-quality fixed income and stock funds. The
fixed income portion consists of short-and
intermediate-term mutual funds. The stock portion
is diversified between value and growth, large
and small, and domestic and international
companies.
The objective of the Growth Model is capital
(price) appreciation over the long-term with
dividend income as a limited consideration. The
interest rate and market value of the model will
change in reaction to interest rates, government
policies and worldwide economic conditions. The
Growth Model is exclusively a stock portfolio,
utilizing mutual funds that could include both
domestic and international securities. The
portfolio is diversified between value and
growth, large and small, and domestic and
international companies.
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Reviewing the investment mix of the ABC
Retirement Solutions Asset Allocation Models
Investment mix shown reflects the model asset
weightings in effect on September 30, 2002
3
Model Performance Total Returns As of
9/30/02 (For Illustrative Purposes Only)
Annualized Average Model Portfolio
Performance For Periods Ending September 30, 2002
The performance displayed for the ABC Retirement
Solutions Model Portfolios is for illustrative
purposes only. The ABC Retirement Solutions
Model Portfolios were created as of 7/31/02 and
did not exist prior to this date. Total returns
are historical and include change in share price,
reinvestment of dividends and capital gains.
Returns are computed before subtraction of
management fees. Individual returns may vary
based on timing of trades. Total returns for the
ABC Retirement Solutions Model Portfolio are
based on the historical returns of the component
funds that make up each model. Returns for the
Federated Kaufmann Fund and the Loomis Small Cap
Value Fund are based on a different share class
than that contained in the models, due to the
lack of historical performance for the specific
class used in the models. The ABC Retirement
Solutions Model Portfolios are not bank deposits
and are not an obligation of, or guaranteed by
ABC Trust. These model portfolios are not
federally insured and guaranteed by the FDIC, the
U.S. Government or any other Government agency.
The investments in the model portfolios involve
investment risks, including the possible loss of
principal. Investment returns will fluctuate.
The returns are historical and do not reflect or
guarantee future performance. The Blended Index
is a composite index consisting of the SP 500,
Russell 2000, EAFE International, LB Aggregate
Index, LB Intermediate Government Index and
90-Day T-Bill weighted accordingly with each
model.
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Which Asset Allocation Model Is Right for You?

• Once you are eligible to participate in your
  retirement plan, you need to develop an
  investment strategy. This questionnaire can help
  you determine whether you are a conservative,
  balanced or aggressive investor and which
  investments offered by the retirement plan may
  suit your needs.

Strongly Disagree ? Undecided ? Strongly Agree Strongly Disagree ? Undecided ? Strongly Agree Strongly Disagree ? Undecided ? Strongly Agree Strongly Disagree ? Undecided ? Strongly Agree Strongly Disagree ? Undecided ? Strongly Agree Strongly Disagree ? Undecided ? Strongly Agree Strongly Disagree ? Undecided ? Strongly Agree
1 To obtain above-average returns on my investments, I am willing to accept above-average risk of investment losses. 1 2 3 4 5
2 Staying ahead of inflation is more important to me than maintaining stable principal values. 1 2 3 4 5
3 If an investment loses money over the course of a year, I can easily resist the temptation to sell it. 1 2 3 4 5
4 I do not plan on withdrawing my retirement money for major expenses before I retire. 1 2 3 4 5
5 I consider myself knowledgeable about economic issues and personal investing. 1 2 3 4 5
Now total up the numbers circled and see where
your score falls on the Investor Profile below.
Remember, the five statements and your total
score are not meant to tell you which investments
to choose. Rather, the questionnaire may help you
better understand your objectives and feelings
about risk so that you can select an asset
allocation mix that is right for you.
The above is provided for informational purposes
only. You may choose one or any combination of
the model portfolios, or use them in combination
with your plans other available investment
funds. The choice of investments is entirely up
to you.