Notes

Notes to current values

1. Cash contributed equals total amounts contributed to each participant and to the savings account since inception in January, 1993.

2. Bond fund values are understated insofar as they do not represent income earned month to date but not yet distributed. The savings account also does not show interest earned on a partial month basis.

3. Total funds value is calculated by adding the values of the four family participants.

4. The total value of the entire family mutual funds including the cash savings account is now listed but was not listed in the early years because the savings value was not listed annually.

5. Cash savings is currently invested in the Vanguard Federal Money Market account and in a CD.

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