ITS Dynamic Portfolio -- Asset Analyzer II

Utilizing DAPM, our Dynamic Asset Analyzer II (AA2) program offers investors a precise balance of offensive and defensive investment techniques in a dynamic investment range. The goal is to allow for greater performance potential and reduced volatility and risk within the portfolio's defined range.

The principal objective of our Dynamic AA2 portfolio is to utilize equity and fixed income funds to seek long-term capital appreciation with a focus on risk-adjusted return.

As with all of our investment programs, the AA2 is managed through a disciplined and active investment approach. Disciplined is derived from a structured framework that is unique to each program. The portfolio framework for the Dynamic AA2 program consists of the following parameters:

(1) Allowable investment types are stock, bond, and money market funds
(2) Asset allocation range is a maximum 85% equities to 85% fixed income overall, with a more narrow range specified for the underlying Conservative, Moderate, and Growth portfolio models
(3) Number of sectors held are six maximum and five minimum
(4) Trading is conducted quarterly to maintain desired allocations