Sector ETF Conservative Aggressive S&P 500 Weight*

Consumer Discretionary 5%11%11.0%

Consumer Staples 10%11%11.7%

Energy 22%4%5.9%

Financials 12%23%20.8%

Health Care 9%16%13.5%

Industrials 11%6%10.6%

Materials 10%6%2.8%

Technology 0%20%21.1%

Utilities 21%3%2.8%

* Source: Ibbotson Associates, S&P 500 weighting as of 2/10/04.