Year-to-Year Model ETF Portfolio Performance

YEAR-TO-YEAR PERFORMANCE
  Average Annual
Return Since
Inception*
2012 YTD* Annual Rate of Return
2011 2010 2009 2008 2007 2006*
Model ETF Portfolio 2.1% 9.9% -3.7% 21.9% 40.0% -40.5% -6.6% 11.7%
80% SPDR S&P 500 Index (SPY) / 20% iShares MSCI EAFE Index (EFA) 2.8% 11.2% -0.9% 13.4% 27.4% -38.1% 6.5% 11.9%
*YTD & Inception performance through 4/30/2012; 2006 performance March 31 to December 31, 2006.