FutureQuest Model Weightings Summary 1Q2002 This piece reflects the percentages invested in each underlying mutual fund for the Global, Domestic, Tax-Managed and Active Tax-Managed Portfolio Strategies.

FutureQuest Portfolio Strategy Sheets

Capital Growth Portfolio seeks to provide long term capital appreciation of income through participation in the domestic equity market. Current income is a secondary consideration.

Domestic Equity Portfolio seeks to provide a long term capital appreciation through full participation in the domestic equity market.

Fixed Income Portfolio seeks to provide a high level of current income through participation in the domestic and international bench markets.

Global Capital Growth Portfolio seeks to provide long term capital appreciation through participation in the domestic and international equity markets. Current income is a secondary consideration.

Global Equity Portfolio seeks to provide long term growth of capital through participation in the domestic, international and emerging equity markets.

Global Growth & Income Portfolio seeks to provide both current income and capital appreciation through global participation in the world's debt and equity markets.

Global Moderate Growth & Income Portfolio seeks to provide current income with the opportunity for capital appreciation through modest participation in the domestic and international equity markets.

Growth & Income Portfolio seeks to provide both current income and capital appreciation through participation in the domestic equity and fixed income markets.

Moderate Growth & Income Portfolio seeks to provide current income with the opportunity for capital appreciation through modest participation in the domestic equity market.

Tax-Managed 40 Portfolio seeks to provide current income with long term capital appreciation on an after-tax basis as a secondary goal. This portfolio is appropriate for long-term investors seeking to minimize the impact of taxes on their investment returns.

Tax-Managed 40 Ohio Portfolio seeks to provide current income exempt from Ohio taxes with long term capital appreciation on an after-tax basis as a secondary goal. This portfolio is appropriate for long-term investors seeking to minimize the impact of taxes on their investment returns.

Tax-Managed 40 Pennsylvania Portfolio seeks to provide current income exempt from Pennsylvania taxes with long term capital appreciation on an after-tax basis as a seondary goal. This portfolio is appropriate for long-term investors seeking to minimize the impact of taxes on their investment returns.

Tax-Managed 60 Portfolio seeks to provide long term growth of capital on an after-tax basis with a moderate level of current income. This portfolio is appropriate for long-term investors seeking to minimize the impact of local taxes on their investment returns.

Tax-Managed 60 Ohio Portfolio seeks to provide long term growth of capital on an after-tax basis with a moderate level of current income exempt from Ohio taxes as a secondary goal. This portfolio is appropriate for long-term investors seeking to minimize the impact of local taxes on their investment returns.

Tax-Managed 60 Pennsylvania Portfolio seeks to provide long term growth of capital on an after-tax basis with a moderate level of current income exempt from Pennsylvania taxes as a secondary goal. This portfolio is appropriate for long-term investors seeking to minimize the impact of local taxes on their investment returns.

Active Tax-Managed 40 Portfolio seeks to provide current income exempt from federal taxes, with long-term capital appreciation on an after-tax basis as a secondary goal. This Portfolio is appropriate for investors with a time horizon of five years, seeking to minimize the impact of taxes on their investment returns.

Active Tax-Managed 40 Ohio Portfolio seeks to provide current income exempt from federal taxes and Ohio state taxes, with long-term capital appreciation on an after-tax basis as a secondary goal. This Portfolio is appropriate for investors with a time horizon of five years, seeking to minimize the impact of taxes on their investment.

Active Tax-Managed 60 Portfolio seeks to provide maximum long-term capital appreciation on an after tax basis, with a moderate level of current income exempt from federal taxes as a secondary goal. This Portfolio is appropriate for investors with a time horizon of five to ten years, seeking to minimize the impact of taxes on their investment returns.

Active Tax-Managed 80 Portfolio seeks to provide maximum long-term capital appreciation on an after-tax basis, with current income exempt from federal taxes as a secondary goal. This Portfolio is appropriate for investors with a time horizon of five to ten years, seeking to minimize the impact of taxes on their investment returns.

Active Tax-Managed 80 Ohio Portfolio seeks to provide maximum long-term capital appreciation on an after-tax basis, with current income exempt from federal taxes and Ohio state taxes as a secondary goal. This Portfolio is appropriate for investors with a time horizon of five to ten years, seeking to minimize the impact of taxes on their investment returns.

Active Tax-Managed 100 Portfolio seeks to provide maximum long-term capital appreciation on an after-tax basis. This Portfolio is appropriate for investors with a time horizon of ten years or longer, seeking to minimize the impact of taxes on their investment returns.