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average market capitalizations of over $ 10 billion and exhibiting a value-oriented <br /> investment style as generally defined by professional investment analysis. <br /> 8 . Large Company Core Fund - Seeks to replicate the performance of the <br /> S &P 500 Index with an average market capitalization of over $ 10 billion and <br /> price/earnings and price/book ratios within 12 . 5 % of the S &P 500 ' s ratios . May achieve <br /> this objective through passive (index) or active management. <br /> 9 . Large Company Core Socially Conscious Fund — Having the same <br /> financial characteristics as the Large Company Core Fund, invests according to non- <br /> economic guidelines . May make investments based on issues such as environmental <br /> responsibility , human rights or religious views . May take a proactive stance by <br /> selectively investing in companies with good records in these areas or avoid investing in <br /> companies involved in promoting alcohol , tobacco , or gambling or in the defense <br /> industry . <br /> 10 . Large Company Growth Fund - Seeks capital appreciation by investing <br /> primarily in equity securities of companies that are expected to grow at an above-average <br /> rate . Current income is a secondary objective . Exhibits an investment style generally <br /> categorized as large growth by investing the preponderance of its assets in securities with <br /> median market capitalizations of over $ 10 billion and exhibiting a growth-orientated <br /> investment style as generally defined by professional investment analysis . <br /> 11 . Small Company Core Fund - Seeks capital appreciation by investing <br /> primarily in stocks of small companies as determined by market capitalization or assets . <br /> Exhibits an investment style generally categorized as small blend by investing the <br /> preponderance of its assets in securities with median market capitalizations below $2 <br /> billion and exhibiting a core investment style as generally defined by professional <br /> investment analysis . <br /> 12 . Foreign Fund - Invests in equity securities of issuers located outside the <br /> United States except under adverse market conditions . Exhibits an investment style <br /> generally categorized as large blend by investing the preponderance of its assets in <br /> securities with median market capitalizations over $ 10 billion and exhibiting a core <br /> investment style as generally defined by professional investment analysis . <br /> 13 . Emerging Markets Fund - Invests in equity securities issued by companies <br /> located outside of the United States but within the less developed or emerging market <br /> countries as generally defined by the professional investment organizations . Exhibits an <br /> investment style generally categorized as blend by investing the preponderance of its <br /> assets in securities with median market capitalizations below $ 10 billion and exhibiting a <br /> core investment style as generally defined by professional investment analysis . <br /> 14 . Real Estate Fund - Seeks total return with equal emphasis on capital <br /> appreciation and current income by investing in equity securities of real estate <br /> companies, predominantly within the United States . Exhibits an investment style that is <br /> focused (not diversified) and generally categorized as core real estate by professional <br /> investment analysis . <br /> Page 15 of 19 <br /> Revised June 1 , 2007 <br />