04/26/2008 20:40     RATE of RETURN - Modified BAI, Geometric             Page 1
                           01/01/2004 through 01/01/2008                          
Yearly     Annual Compounding                                                   
                                                        Average   Total   Annual
  Date             Balance       Date            Balance   Ann%  Return%    ROR%
S1T Growth Stock Fund - Total                                                   
01/01/04         18,625.00     01/01/05        15,000.00          -3.42    -3.41
01/01/05         15,000.00     01/01/06        16,000.00          17.27    17.28
01/01/04         18,625.00     01/01/06        16,000.00   6.93   13.26     6.42
                                                                                
01/01/06         16,000.00     01/01/07        15,125.00          17.10    17.12
01/01/04         18,625.00     01/01/07        15,125.00  10.33   32.63     9.87
                                                                                
01/01/07         15,125.00     01/01/08        11,000.00         -11.60   -11.61
01/01/04         18,625.00     01/01/08        11,000.00   4.84   17.24     4.06