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08-27-2004 A~e City of .n.ventura A ,~ POUCE OFFICERS' RmREMENT PLAN BOARD OF TRUSTEES MEmNG August 27, 2004 9 AM I:, .., rd' Aventura Government Center 19200 West Country Club Drive Aventura, FL 33180 19200 West Countrv C1uh Drive Aventura. FL AGENDA 1. Call to Order/Roll Call 2. Approval of Minutes: August 13, 2004 August 20, 2004 3. Presentations by Third Party Administrators: Benefits USA, Inc. Pension Resource Center David M. Williams and Cheryl E. Winton 4. Selection of Third Party Administrator 5. Presentation by Investment Consultants (continued) Smith Barney Consulting Group 6. Selection of Investment Consultant 7. Review of Summary Plan Description/Operating Rules and Procedures 8. Adjournment This meeting is open to the public. In accordance with the Americans with Disabilities Act of 1990, all persons who are disabled and who need special accommodations to participate in this meeting because of that disability should contact the Office of the City Clerk, 305-466-8901, not later than two days prior to such proceeding. One or more members of the City of Aventura Commission and/or Advisory Boards may be in attendance. ~ Klausner <@) Kaufman PROFESSIONAL ASSOCIATION ATTORNEYS AT LAW writer's Email: adam@robertdklausner.com August 16, 2004 Benefits USA, Inc. Attention: Peter K. Prior, President 3810 Inverrary Boulevard, Suite 208 Lauderhill, Florida 33319 Re: Aventura Police Pension Plan Our file No. 03-0033 Dear Mr. Prior and Carolyn: Thank you for submitting your RFP for third party administrator services to the Aventura Police Pension Plan. Your interview has been scheduled for Friday, August 27~, 2004 at 9:15 a.m. at City Hall, 19200 West Country Club Drive. The presentation should run approximately one half hour. If you should have any questions, please feel free- to call. Sincerely, Itk- ~ ADAM P. LEVINSON APL/bkb cc: Teresa M. Soroka, City Clerk IIp\030033\Benefits USA Itr re third party admin. service 10059 NORTHWEST 1ST COURT, PLANTATION, FLORIDA 33324 PHONE: (954) 916-1202 · FAX: (954) 916-1232 www.robertdklausner.com ~ ~ Klausner <@) Kaufman PROFESSIONAL ASSOCIATION ATTORNEYS AT LAW writer's Email: adam@robertdklausner.com August 16, 2004 The Pension Resource Center Attention: Margaret M. Adcock, Esquire 4360 Northlake Boulevard, Suite 206 Palm Beach Gardens, FL. 33410 Re: Aventura Police Pension Plan Our file No. 03-0033 Dear Ms. Adcock: Thank you for submitting your RFP for third party administrator services to the Aventura Police Pension Plan. Your interview has been scheduled for Friday, August 27~, 2004 at 9:45 a.m. at City Hall, 19200 West Country Club Drive. The presentation should run approximately one half hour. If you should have any questions, please feel free to call. S4L~ ADAM P. LEVINSON APL/bkb cc: Teresa M. Soroka, City Clerk IIp\030033\Pension Resource Center Itr re third party admin. service 10059 NORTHWEST 1ST COURT, PLANTATION, FLORIDA 33324 PHONE: (954) 916-1202 · FAX: (954) 916-1232 www.robertdklausner.com ... ~ Klausner <@) Kaufman PROFESSIONAL ASSOCIATION ATTORNEYS AT LAW writer's Email: adam@robertdklausner.com August 16, 2004 Williams & Winton Attention: David M. Williams 350 Oak Grove Circle Davie, Florida 33328 Re: Aventura Police Pension Plan Our file No. 03-0033 Dear Mr. Williams: Thank you for submitting your RFP for third party administrator services to the Aventura Police Pension Plan. Your interview has been scheduled for Friday, August 27~, 2004 at 10:15 a.m. at City Hall, 19200 West Country Club Drive. The presentation should run approximately one half hour. If you should have any questions, please feel free to call. Sincerely, ~~ ADAM P. LEVINSON APL!bkb cc: Teresa M. Soroka, City Clerk IIp\030033\Williams & Winton Itr re third party admin. service 10059 NORTHWEST 1 ST COURT, PLANTATION, FLORIDA 33324 PHONE: (954) 916-1202 · FAX: (954) 916-1232 www.robertdklausner.com - L L '- L , , i.. ... ~ ~ o o = ~ ~ = ~ == :>< ~ ~ ~ ~ L L L L. ~ ~ 8 cj gf .p ;3 rJj ~ o U . L L L. L L L l ~ it &: It .C) .. ~ = ~ ;;~ ~. ~ ......... '., .~ " .... .lIlIiIiW' ~ -..' ... ~ ~ t!!J- ~~ (~ ,.. = ~ ~. ~ ~ ~ ...... .... r ~..c.. ,..., ~ ~ ~ ~ ....... ~ ~ .... ~ :: ~ ~ ~ ~~~ HSS ~~~~ ~--- ~ ~ ~ ~t:t:~ ~ ,.,,___ ~ r~ · ~ ~ I ~ ~ ...... ~........... ~ ... t: t: ~ ~~{it:~ ~ ...... ..... . C \Q ~==~.::::~ ~ ~ ~ == I ~~ ~ ~~ .1::: ~ ~~~.....Qo ~ ~ ~ ~ ~ t: ~ ~... ~ ~ ~...~~ e ~.s ~ ~.c t: u~~ ~ " '" E .~ B .~ ib" :;r/l o " fiE ~1) t t ~,I:l .~ S ~" .... S -0 '" a! 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'- ~ Q) CJ) > (/) CO Q) w L ...... 0> c a:: c (/) Q) ~ CO <( Q) c Q) (,) rn E CO CO a:: () c L ...j...J ...... c ~ 0 c co c: (/) <( Q) Q) Q) en 0) E ~ > C ::J > '- c -- ~ l ...j...J 0 CO 0 0 c: ~ ...... > <( Q) Q) 0 CO (,) Q) ::J a.. 0 ...... 0 0. >. 0 L c CO ~ Q) ...... U <( U en 0. s:: E ::J Q) ...... Q) '- e t ~ Q) Q) >. ...... (/) e' .r::. (9 CO L- 0 co (/) co a. ::J ...... Q) 0) a C/) <( ....J N c ~ Q) Q) Q) Q) .::::: Q) L ~ Q. 0. 0. 0. ::J 0. ~ E E E E CJ) E c ~ co co co co 0 co L ~ C/) C/) C/) en () C/) III II II 11II 11II II L L .. L \' I L. STATEMENT OF INVESTMENT POLICY AND OBJECTIVES SAMPLE L. For The L CITY OF A VENTURA POLICE PENSION FUND August 27, 2004 I L. I. INTRODUCTION AND BACKGROUND ~ L The City of A ventura Police Pension Fund is a defined benefit plan established by Ordinance of the City of A ventura to provide retirement benefits for its employees. The City of Aventura is the "plan sponsor". The Plan is administered by the Police Pension Fund Board of Trustees. The Plan is a pension plan maintained to provide retirement, disability, termination and death benefits, as the case may be, to participants in accordance with the express provisions of the Plan. l .. L The Plan and the benefits provided thereunder are funded by contributions by the City of Aventura, tax rebates from the State of Florida pursuant to Chapter 185, Employees' contributions, interest income and other income in accordance with the underlying Plan documents. .. The Board of Trustees is charged by Ordinance with the responsibility of developing a policy for the investment of the assets of the Fund. The trustees are named fiduciaries. The investment of the assets of our retirement plan must be consistent with the written investment policy adopted by the board of trustees. The policies are structured to maximize the financial return to the retirement plan consistent with the risks incumbent in each investment and are structured to establish and maintain an appropriate diversification of the retirement system or plan's assets. To assist the Board in this function, they are authorized to engage the services of investment and actuarial consultants to provide expert assistance. The Board periodically undertakes studies to evaluate the potential consequence of alternative investment strategies on the long term well being of the Plan. In the view of its consultants and the Board, the investment program defined in this Statement will produce a result over the long term consistent with the Plan's primary objective of preserving and enhancing the purchasing power of assets. L. L. L. L. L , .. In the implementation of the investment program, the Plan will employ investment managers who have demonstrated expertise with particular asset classes. Furthermore, the Plan's investment managers utilize a variety of investment approaches. This diversification of managers and investment approach should reduce the risk of loss and contribute to the attainment of a more consistent positive return. Nonetheless, there will .; I, .. L .. be short term periods when the fund may experience negative returns. Such periods are not inconsistent with achievement of the targeted long term objective. .J ,~ .,j II. INVESTMENT POLICY AND OBJECTIVES Based on analysis of the Plan assets and expected investment returns and risks associated with alternative asset mix strategies, the Board adopted the following asset class targets, based on market value: 1 ... j ... EQUITY Large Cap. Value Manager Large Cap. Growth Manager SmalVMid Cap. Core Manager International Manager Total Equity FIXED INCOME MANAGER % Ran2e 22.5% -17.5% 22.5% -17.5% 12.5% - 7.5% 10.0% - 7.5% 62.5% - 57.5% 42.5% - 37.5% % Tar2et 20.0% 20.0% 10.0% 10.0% 60.0% 40.0% .~ .. .J j ... These ranges and targets are established as maximum weightings in each respective asset class. If the investment manager determines that a percentage of their allocation should be invested in cash, then they are permitted that flexibility and will be evaluated by their decisions accordingly. .J Over time, it is the Board's intention to direct cash flows toward the asset class(es) that are under-represented and away from the class(es) that are over-represented. l J The General investment objectives ofthe Board are as follows: .J 1. Establish a Prudent Investment Proeram J .. Although the Pension Fund is not covered by the Employee Retirement Income Security Act of 1974 (ERISA), the assets of this fund shall be invested in a manner consistent with the fiduciary standard set forth in ERISA, as though ERISA applied to the Pension Fund; namely, (1) in accordance with the safeguards and diversity to which a prudent investor would adhere (2) and all transactions undertaken on behalf of the Fund must be for the sole interest of Plan participants and their beneficiaries in order to provide benefits and pay the expenses of the Fund. The pension investment program must operate in compliance with all applicable State and Federal laws and regulations concerning the investment of pension assets. .. .. .4 ... J 2. Achieve Growth in Purchasine Power Primary investment emphasis must be placed upon the consistent protection of the funds assets and growth performance, i.e., the achievement of adequate ... ... 2 .. I L. ~, L. investment growth must not be at the expense of the protection of the assets over the investment horizon. l. More specific investment objectives established by the Board include the following: L · The Fund should earn a return over time exceeding the assumed actuarial rate of 8.0%. In addition, the Fund should earn a return greater than inflation, as measured by the Consumer Price Index, by 4.0% per year. Meeting this objective indicates that the active management of the various portfolio components has added value over a passively managed fund. It is also consistent with the Boards objective to enhance the purchasing power of the Funds. ~. I ... ~ ... · Individual investment managers will not be measured against the aggregate fund objective stated above. They will be compared to appropriate market indices, and the performance of other managers who utilize a similar investment style. , ~ ... J ... III. INVESTMENT GUIDELINES II. A. Liauiditv Reauirements L. There is a requirement to maintain liquid reserves for the payment of pension benefits and expenses. The Board will review these projected cash flow requirements at least annually. 1; ... B. Eauities L. The investment managers are permitted to invest in equity securities (including convertible bonds) listed on the New York, American and principal regional and foreign (for foreign securities) exchanges. They may also invest in over-the- counter securities for which there is an active market maker regulated by the NASD. The equity position in anyone company shall not exceed 5% of the total portfolio at market. Any investment that does not fall into a category listed above is prohibited. .. .. ;, ... The equity portion of each portfolio manager shall not: 1. Be more than 10% invested in the securities of anyone company at market. 2. Make short sales. ... 3. Use margin or leverage. ... 3 - , J 4. Be invested in commodities. j 5. Be invested in private real estate. I IIlII 6. Be invested in "investment art objects. " 7. Invest in Options, including the purchase, sale or writing of options unless options are "covered" by the corresponding security. J 8. Be invested in warrants, although warrants issued in connection with stocks held by the fund may be sold, held, or converted by the investment manager at its discretion. J j J The total portfolio shall not exceed the 10% maximum limit on foreign securities set forth in Section 185, Florida Statutes. The compliance and monitoring is the responsibility of the consultant and the trustees. The consultant's responsibility is to report any non-compliance to the trustees each quarter. .. ... a.) LarJ!e -Cavitalization Value & Growth Stocks .. Large capitalization stocks are expected to have the greatest weighting in the Pension Fund. They are expected to provide more consistent returns over time than our other equity styles. The objective is to maximize investment return over a market cycle by investing in large capitalization equities having the potential to generate investment returns exceeding those of a passively managed large stock index. J J Large-capitalization equity manager performance parameters include the following; , 'i J · Performance within the top half of a Universe of Large Capitalization Value or Growth Managers. J ... · Performance comparable to the Russell 1000 Value or Russell 1000 Growth Indexes. .. · Performance comparable to the S&P 500 Stock Index. (Market & Equal- Weighted) .. · The risk associated with the managers portfolio as measured by the variability of quarterly returns (standard deviation) should not exceed that of the market (S&P 500 Index) without a corresponding increase in performance above the index. ~ .. .... - 4 .. , l L · Achieve the performance parameters within a time horizon of a minimum of three to five years or a full market cycle. i .. b.) Mid/Small Capitalization Stocks I.. Mid/Small capitalization stocks are expected to improve total portfolio diversification and provide opportunities for higher incremental returns in the long run. The objective is to maximize investment return over a market cycle by investing in mid/small capitalization equities having the potential to generate investment returns exceeding those of a passively managed mid/small stock index. Mid/Small capitalization growth stock managers generally purchase companies with a market capitalization of greater than $500 million. L. .... L. Mid/Small capitalization equity manager performance parameters include the following: l · Performance within the top half of a Universe of Mid/Small Capitalization Value or Growth Managers L. · Performance comparable to the Russell 2000 Value or Russell 2000 Growth Indexes. L · Achieve the performance parameters within a time horizon of a minimum of three to five years or a full market cycle for the mid/small capitalization market. L. L. c.) International Stocks L International Stocks are expected to improve total portfolio diversification and provide opportunities for higher incremental returns in the long run. The objective is to maximize investment return over a market cycle by investing in international securities through American Depository Receipts (ADRs). These equities should generate investment returns exceeding those of a passively managed international index. .. .. International equity manager performance parameters include the following: .. · Exceed MSCI EAFE - Net Dividend or MSCI EAFE (GDP) - Gross Dividend Index. I.. · Achieve the performance parameters within a time horizon of a minimum of three to five years or a full market cycle of the international market. ... 5 ~ ... j .J C. Fixed Income Fixed income securities shall be invested entirely in marketable debt securities issued or guaranteed by either (a) the United States Government or its agencies, (b) domestic corporations (including industrial and utilities) or Israel Bonds (c) domestic banks and other US financial institutions. All securities must hold a rating in one of the three highest classifications by a major rating service. Such investments shall all be in accordance with the Code of the City of Aventura. Any investments that do not fall under the criteria listed above are prohibited from being purchased. Securities ratings reduced beneath the three highest classifications after purchase should be sold by the portfolio manager within a reasonable period of time as determined by the manager. It is the manager's responsibility to notify the board in writing immediately after a security is downgraded below the policy guidelines. The written explanation should describe the manager's intentions regarding the disposition of the security being downgraded. Restrictions on fzxed income include the following: i .. ... .. .I , .. , i ..I 1. Except for Treasury and Agency obligations, the debt portion of the Fund shall contain no more than ten percent (10%) of a given issuer irrespective of the number of differing issues. Other diversification standards should be developed and applied by the Investment Manager(s). J 2. If commercial paper is used it must be only of the highest quality (A-lor P-1). j 3. Private placement debt is not permissible. J Fixed income manager(s) performance parameters include the following: IIIi · Performance comparable to the Lehman Brothers Intermediate Aggregate Bond Index (LB Int. Agg.) ~ , :~ ... · The risk associated with the manager's portfolio as measured by the variability of quarterly returns (standard deviation) must not exceed that of the Lehman Brothers Intermediate Aggregate Bond Index without a corresponding increase in performance above the index. i .. .. . Achieve the above objectives within a time horizon of a minimum of three to five years or a full market cycle. ... .... .. 6 .. L. 1: f II. ! ... L , , i. L ~ 1. - l 1.. ~ ~ .. L ~ .. L L L. 1. l i f ... '- D. State Mandated Requirements 1. EXPECTED ANNUAL RATE OF RETURN. For each actuarial valuation, the board shall determine the total expected annual rate of return for the current year, for each of the next several years, and for the long term thereafter. This determination must be filed promptly with the Department of Management Services and with the plan's sponsor and the consulting actuary. 2. THIRD-PARTY CUSTODIAL AGREEMENTS. The securities should be held with a third party, and all securities purchased by, and all collateral obtained by, the board should be properly designated as an asset of the board. No withdrawal of securities, in whole or in part, shall be made from safekeeping except by an authorized member of the board or the board's designee. Securities transactions between a broker-dealer and the custodian involving purchase or sale of securities by transfer of money or securities must be made on a "delivery vs. payment" basis, if applicable, to ensure that the custodian will have the security or money, as appropriate, in hand at the conclusion of the transaction. 3. MASTER REPURCHASE AGREEMENT. All approved institutions and dealers transacting repurchase agreements shall execute and perform as stated in the Master Repurchase Agreement. All repurchase agreement transactions shall adhere to requirements of the Master Repurchase Agreement (where applicable). 4. BID REQUIREMENT. The board shall determine the approximate maturity date based on cash-flow needs and market conditions, analyze and select one or more optimal types of investment, and competitively bid the security in question when feasible and appropriate. Except as otherwise required by law, the most economically advantageous bid must be selected. 5. INTERNAL CONTROLS. The board shall establish a system of internal controls which shall be in writing and made a part of the board's operational procedures. The policy shall provide for review of such controls by independent certified public accountants as part of any financial audit periodically required of the board's unit of local government. The internal controls should be designed to prevent losses of funds which might arise from fraud, error, misrepresentation by third parties, or imprudent actions by the board or employees of the unit of local government. 6. CONTINUING EDUCATION The continuing education of the board members in matters relating to investments and the board's responsibilities is required. 7. REPORTING. Appropriate annual or more frequent periodic reports of the investment activities shall be prepared for submission to the governing body of the unit of local governments. The reports shall include investments in the 7 ..I portfolio by class or type, book value, income earned, and market value as of the report date. Such reports shall be available to the public. J .. 8. FILING OF INVESTMENT POLICY. The investment policy shall be promptly filed with the Department of Management Services and the plan 's sponsor and consulting actuary. ~ .. .~ .. 9. VALUATION OF ILLIQUID INVESTMENTS. Illiquid investments for which a generally recognized market is not available or for which there is no consistent or generally accepted pricing mechanism shall be valuated when those investments are utilized. Any asset without a fair market value shall be excluded from the determination of annual funding cost. I .. J E. Review of Investment Manallers .. The Board will meet at least semiannually with the consultants. Additionally, the Board will review investment results quarterly. .. These reviews will focus on: J . the managers' adherence to the policy guidelines; . comparison of managers' results against funds using similar policies (in terms of the diversification, volatility, style, etc.); ..~ ., · the opportunities available in both equity and debt markets; and J · material changes in the managers' organizations, such as philosophical and personnel changes, acquisitions or losses of major accounts, etc. " J F. Performance Exoectations '! J The most important performance expectation is the achievement of investment results that are consistent with the Plan's investment policy statement. A 4.0% real return is a reasonable expectation in light of this policy. The Board recognizes that this real return objective may not be attainable during some time periods, it is a long term goal. In order to ensure that investment opportunities available over a specific time period are fairly evaluated, the Board will use comparative performance statistics to evaluate investment results. Performance of the Plan will be compared to other funds utilizing a similar investment policy. I lIIIII J I .. .... ..." 8 .... L. ... G. Fiduciarv and Other Responsibilities l. The Investment Manager shall carry out its duties with the care, skill, prudence and diligence under the circumstances then prevailing that a prudent man acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of like character and with like aims. The Investment Manager shall discharge its duties hereunder solely in the interest of the Pension Fund's participants and beneficiaries for the exclusive purpose of providing benefits to participants and their beneficiaries and defraying reasonable expenses of administering the Pension Fund's retirement plan. The Investment Manager shall diversify the assets in the account so as to minimize the risk of large losses. The Investment Manager, by execution of this Agreement, acknowledges that it is a fiduciary with respect to the Pension Fund and a named fiduciary within the meaning of Section 112.656(2), Florida Statutes. ! ... i L. ... I I .. L H. Policv Review L Periodic reviews of the Policy Statement will be made by the Board to evaluate its appropriateness. Any modification of policy guidelines shall be approved by the Board of Trustees and acknowledged in writing by the investment managers. ... ! .. Adopted vate Signed Cha111l1lln L. L ~ ... L. [ 1. i ... ... 9 r I ... 1 J ... Manager's Acknowledgment J .iI I, the undersigned, acknowledge that I have received the policy statement for the City of A ventura Police Pension Fund, dated . I affirm that I have read and understand said Policy Statement, and do hereby agree to abide to the guidelines expressed in the Policy Statement. ...l ... III Name or 1'Irm j .1 wi :SIgneo vale I J J IIil '11III J .J 'I wi l 'I .. ,1 .. .J - .. 10 ~ ~ L '<t 0 ~ 0 0 0 N c:) ~ -- ..- C') L ('I') -- (,') ('I') 0 C/l u.. . ~ 0 0 0 ( ~ iii ij N .. ~ I/) (,') ~ ..- ('I') I'- 00 C"J 00 0 Q2 ...J 0 i;;1 q q L 0 CD L{) I'- I'- q X c:) 0 0 0 0 0 0 ~ N I I C ... ::J thIW ~ N I'- '<t (J) C"J 0 00 - +! 0 .ll: ~I q CD ..- I'- L{) q I'- L ~ 0 III 0 iii i2 0 0 0 0 0 .... I I " .s u ~ ~I 0 I'- ..- N 0 C"J C"J l CI) 0 ..- CD 0 I'- q L{) I'- e. 0 0 0 0 ... ~ >< c:) 0 I 0 0 .... en w - L{) \ 0:: 91 I'- N 0 N (J) 00 ~ 0 I'- q q I'- I'- L{) ~ 0 0 0 0 0 0 0 0 C !:!:: iii I W <J t- <: (J) N 0 L{) ..- '<t I'- t. 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Consulting Group L. , l.. L. L. Large Capitalization Value Manager Search Analysis Prepared for Sample ~ '- As of June 30, 2004 L L SMITH BARNEY.... cltlgroupJ l 1.. L ~ Prepared by: Charles H. Mulfinger, II, CIMA Senior Institutional Consultant Smith Barney Consulting Group 100 North Tampa St., Suite 3000 Tampa, FL 33602 (800) 282-0655 ext. 2061 L. L. ~ .. l The underlying data has been obtained from sources considered to be reliable, The information is believed to be accurate but there is no assurance that it is so, This evaluation is for informational purposes only and is not intended to be an offer, solicitation, or recommendation with respect to the purchase or salc of any sccurity or a recommendation of the services supplied by any money management organization, }, ~ i .. _ Consulting Group Prepared for Sample ~ IN ITIAL Q U ALIFICA TIO NS* .............. ............... ,.............. ............................................. ..... 1 L IN VE S TME NT PO L ICY * . ........ .............. ...... ......... .............., .......... ,.... ........, ...... .................... 1 L 10,7,5,3,1 YR - ANNUALIZED RATES OF RETURN* ..................................................2 ANNUAL RATES OF RETURN - TRAILING 7 YEARS * ..............................................., 2 CONSISTENCY OF PERFORMANCE (ROLLING 3 YEAR ANNUALIZED L. RET URNS)* . ............... .............................. ............... ............................................. ............... .....3 CAPT URE RA TIOS* ...............................................................................................................3 ... WORST/BEST RETURNS (ROLLING 1 YEAR TIME PERIODS)* .............................., 4 i L. 10, 7, 5, 3, 1 YR - BATTING AVERAGE (QTRS)* .............................................................. 4 M'PT ST A TI'S TI CS* ... ............... .......................................................................................... .....5 L. RI SK/RE TURN ANAL YS I S * .. ...... ......... ..... .......... ........ ....... ........ ......, ............... ...... .........,.... 6 L 10,7,5,3 YR - ABOVE CAPITAL MARKET LINE* ......................................................... 7 L ROLLING SHARPE RATIOS (10 OBSERV ATIONS)* ..................................................... 7 RISK/RETURN TIME STUD y* ............ ,............" ...... ..,...... ............... ..........,.... ,................... 8 SMITH BARNEY DISCLAIMER PAGE ............................................................................1 0 i L. GLOSSARY.. ............... .............................. .............................. ................................................1,1 L ALPHA......................................................................... ....... ............................. ........... ................ I I ANNUALIZED RETURN ...... ..................... ............ ................ ......................... ................................ 11 BATTING AVE RAGE.. ...... .................................. ................... ............................. ........ ...... ............ 1 I BETA.. .................. ............ ......... ...... ...... .............. ............ ........... ................. ............................... 11 CUMULATIVE RETURN.......... ................... .......................... .................. ..................... .................. 11 MAXIM UM RETURN.. .......... ............. .................................. ..... .... ...................................... ....... ... 11 MINIMUM Acco UNT SIZE ............... ......... ........ ............ ...................................... ........................ 1 I M INIM UM RETURN... .......................... ............ ............. ....... ........ ....... ............................... .......... I 1 R 2 ....... ............... ............. .......... .......................... ............... ......... ......... ........... .... ........................ 11 SHARPE RATIO ................... ........................... ..... ......... ...... ............... ............................ .............. 12 STANDARD DEViATION............ ............................ ........ ............................................................... 12 g i. L. k .. l i. i.. L The underlying data has been obtained from sources considered to be reliable, The information is believed to be accurate but there is no assurance that it is so, This evaluation is for informational purposes only and is not intended to be an offer, solicitation, or recommendation with respect to the purchase or sale of any security or a recommendation of the services supplied by any money management organization, Large Capitalization Value Manager Search Analysis i As of June 30, 2004 . ... L _ Consulting Group Prepared for Sample f .. 1.. Initial Qualifications* 427 Candidates considered 165 Candidate failed 262 Candidates remain L l The following is a breakdo\M1 of the initial qualifications required for inclusion: . Manager must have at least $100 Million under Management; . Manager must be part of Consulting Group's Fiduciary Services or Consulting and Evaluation Services program; . Manager must have no less than a 5- Year, verifiable, AIMR-Compliant Track Record; . Manager should be accepting new accounts. iJ! l [, ~. i .. f ,i .. Investment Policy 262 Candidates considered 239 Candidate failed 23 Candidates passed 3 Candidates chosen to make presentations L L L For the purposes of clarity, the following is an initial description of investment policy to be followed by perspective investment managers: . Manager must only invest in Domestic Securities; . Manager's style must reflect a consistent orientation to Large Cap. Value; . All tabular and graphical displays of manager information are in relation to the Russell 1000 Value Index and, unless otheIWise noted, representative of a 5- Year period of time. \ 1. L , .. 3 Candidates remain L. CANDIDA TE 1 FLIPPIN BRUCE LG CAP VAL FS 2 LORD ABBETI LG VAL EQ FS 3 NWQ INVESTMENT LARGE VALUE EQUITY FS 4 RUSSELL 1000 VALUE l , ... L. L *Performance information is located at the conclusion of this report, Large Capitalization Value Manager Search Analysis 1 As of June 30, 2004 L _ Consulting Group Prepared for Sample L ~ ~ III 10, 7, 5, 3, 1 yr - Annualized Rates of Return* 3 Candidates remain ... Candidate 10 year 7 year 5 year 3 year 1 year FLIPPIN BRUCE LG CAP VAL FS 2 LORD ABBETT LG VAL EQ FS 3 NWQ INVESTMENT LARGE VALUE EQUITY FS 4 RUSSELL 1000 VALUE 14,56% 8,67% 3.03% 5.12% 24,62% .~ .. 14,56% 13,84% 9,92% 9,15% 7.21% 6,70% 6,04% 7,14% 23,80% 29,34% 12.64% 7,36% 1,87% 2,96% 21.13% L. 1.. Annual Rates of Return - Trailing 7 Years * 3 Candidates remain L. Annual Returns Candidate 06/04 06/03 06/02 06/01 06/00 06/99 06/98 FLIPPIN BRUCE LG CAP VAL 24,6% 2,6% -9.1 % 18,0% -15.3% 24.4% 23,9% FS 2 LORD ABBETT LG VAL EQ FS 23.8% 1.4% -5,0% 17,6% 1.0% 15,9% 18,1% 3 NWQ INVESTMENT LARGE 29,3% 3,0% -7,7% 18.2% -4,9% 12.4% 18,8% VALUE EQUITY FS 4 RUSSELL 1000 VALUE 21.1% -1.0% -9,0% 10.3% -8,9% 16.4% 28,8% ~ ... .. I.. .. L. ... L L i i.. L l L. *Performance information is located at the conclusion of this report, Large Capitalization Value Manager Search Analysis 2 As of June 30, 2004 L 8 Consulting Group Prepared for Sample L L Consistency of Performance (Rolling 3 Year Annualized Returns)* This test depicts the number oftimes the manager's return exceeds the return of the index. 3 year annualized returns are evaluated over rolling 1 year intervals. L 3 Candidates remain L. L 3 Year Annualized Returns Candidate Beat 06/04 06/03 06/02 06/01 06/00 index FLIPPIN BRUCE LG CAP VAL 3 5,1% 3.2% -3.2% 7,5% 9.3% FS 2 LORD ABBETT LG VAL EQ FS 5 6,0% 4.2% 4.1% 11.3% 11.4% 3 NWQ INVESTMENT LARGE 4 7,1% 4,0% 1.3% 8.1% 8,3% VALUE EQUITY FS 4 RUSSELL 1000 VALUE 0 3,()oIo -0.2% -2,9% 5.4% 10,9% ! ! ... L L. Captu re Ratios* Capture Ratio is the ratio ofthe manager's overall performance relative to the overall performance of the benchmark. Up Capture Ratio considers only those time periods that are zero or positive for the benchmark. In evaluating Up Capture Ratio, higher values are more favorable. Down Capture Ratio considers only those time periods that are negative for the benchmark. Lower values are more favorable in assessing Down Capture Ratio. L L ~ L. LeSs thdll () Ikt \\ecll () and I (ireakr thelll I Up Capture Poor Worse than Index Excellent Down Capture Excellent Better than Index Poor L I , ... 3 Candidates remain , i.. Candidate Down RaUo Down ROR Up Ratio Up ROR Cumulative ROR 1 FLIPPIN BRUCE LG CAP VAL 1.06 -39.25% 1.24 91.22% 16,17% FS 2 LORD ABBETT LG VAL EQ FS 1.02 -37,67% 1.24 91,32% 19,24%. 3 NWQ INVESTMENT LARGE 0,99 -36,82% 1.29 94,64% 22.98% VALUE EQUITY FS 4 RUSSELL 1000 VALUE 1.00 -37,06% 1.00 73 Al % 9,15% . L. L L L *Performance information is located at the conclusion of this report. Large Capitalization Value Manager Search Analysis 3 As of June 30, 2004 L _ Consulting Group Prepared for Sample ~ .. La Worst/Best Returns (Rolling 1 year time periods)* 3 Candidates remain ( ... Candidate Worst ROR Worst Date Best ROR Best Date I FLlPPIN BRUCE LG CAP VAL FS 2 LORD ABBETT LG VAL EQ FS 3 NWQ INVESTMENT LARGE VALUE EQUITY FS 4 RUSSELL 1000 VALUE -24,93% Mar-03 47.31% Mar-04 -21,64% -21.68% Mar-03 Mar-03 44.41 % 50,01 % Mar-04 Mar-04 ... -22,79% Mar-03 40,81% Mar-04 L ~. .. 10,7, 5, 3, 1 yr - Batting Average (Qtrs)* Batting average is computed by taking the number of quarters the manager beat the benchmark and dividing it by the total number of quarters in the period being measured. .. 3 Candidates remain I ... Candidate 10 year 7 year 5 year 3 year 1 year #Wins FLIPPIN BRUCE LG CAP VAL 58.3% 62.5% 58,3% 75.0% 75,0% 5 FS LORD ABBETT LG VAL EQ FS 66,7% 62.5% 66.7% 75,0% 75,0% 5 NWQ INVESTMENT LARGE 75,0% 68.8% 75,0% 87,5% 100,0% 5 V ALUE EQUITY FS RUSSELL 1000 VALUE 0.0% 0,0% 0,0% 0,0% 0,0% 0 L. .... I .. L .. L L. L L *Performance information is located at the conclusion of this report, Large Capitalization Value Manager Search Analysis 4 As of June 30, 2004 L L <<; Consulting Group Prepared for Sample f I.. L MPT Statistics* Modern Portfolio Theory (MPT) attempts to quantify the relationship between risk and return and operates under the assumption that an investor must be compensated for assuming risk. The measure Alpha, Beta, and R-Squared are used to describe the value-added (Alpha), the volatility (Beta), and the predictability (R-Squared) of the manager's perfonnance to a stated index's perfonnance. Note: If the R-Squared is less than .80, the relationship between the manager and the index is inconclusive, and no attempt should be made to draw conclusions from the MPT analysis for that particular manager. :- .. " [: ... L 3 Candidates remain L Candidate Alpha Beta R-squared FLIPPIN BRUCE LG CAP VAL 2,32% 1.07 0,93 FS 2 LORD ABBETT LG VAL EQ FS 3,07% 1.06 0,99 3 NWQ INVESTMENT LARGE 4.18% 1.07 0,99 VALUE EQUITY FS 4 RUSSELL 1000 VALUE 0,00% 1.00 LOO l I I ... L i ... L L L L L t ... L L *Performance information is located at the conclusion of this report, Large Capitalization Value Manager Search Analysis 5 As of June 30, 2004 L e Consulting Group Prepared for Sample L L Risk/Return Analysis* 3 Candidates remain .. 8 A N i; N 7 .. U A 6 l L I Z 5 L E D 4 R 3 ~ E .. T U 2 I R , N 1 ... 0 ;: f' f .. 06/30/01 - 06/30/04 G) G) G) -------- ---- ---- -,-.--- ----- 5 10 15 STANDARD DEVIATION 20 25 CANDIDA TE Standard Annualized Deviation Return .... 1 FLlPPIN BRUCE LG CAP VAL FS 23,38% 5.12% 2 LORD ABBETT LG VAL EQ FS 22.52% 6,04% 3 NWQ INVESTMENT LARGE 22,73% 7,14% VALUE EQUITY FS 4 90-DA Y T-BILLS 0,31% 1.45% 5 RUSSELL 1000 VALUE 21.07% 2,96% L l i .... \ . .. l i ... b L L *Performance information is located at the conclusion of this report. Large Capitalization Value Manager Search Analysis 6 As of June 30, 2004 L l e Consulting Group Prepared for Sample L 10, 7, 5, 3 yr - Above Capital Market Line* The Capital Market Line is a line on the Risk Return graph connecting the market index (typically the S&P 500) and the risk-free index (e.g., Treasury Bills). The X and Y axes are Standard Deviation and Annualized Return, respectively. Theoretically, managers falling above the capital market line have added value by generating excess return for the amount of risk assumed. L it I ... 3 Candidates remain L Candidate 10 year 7 year 5 year 3 year #Abv Cap Mkt Line L FLIPPIN BRUCE LG CAP VAL Yes Yes Yes Yes 4 FS 2 LORD ABBETT LG VAL EQ FS Yes Yes Yes Yes 4 3 NWQ INVESTMENT LARGE Yes Yes Yes Yes 4 VALUE EQUITY FS 4 90-DA Y T-BILLS 0 5 RUSSELL 1000 VALUE 0 L L Rolling Sharpe Ratios (10 observations)* 3 Candidates remain L L L ~ Candidate 06/04 03/04 12/03 09/03 06/03 03/03 12/02 09/02 06/02 03/02 L FLIPPIN BRUCE LG CAP 0.25 0.33 0,30 0.28 0.26 0.16 0,25 0.21 0.46 0,69 VALFS 2 LORD ABBETT LG VAL EQ 0,35 0.44 0.43 0.39 0.37 0,24 0,34 0.28 0.61 0,81 FS 3 NWQ INVESTMENT LARGE 0.29 0,37 0.34 0.29 0.29 0.16 0.24 0.1 8 0.47 0,68 VALUE EQUITY FS 4 90-DA Y T-BILLS 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0.00 0,00 5 RUSSELL 1000 VALUE 0.21 0.31 0.29 0.26 0.26 0.14 0,22 0.20 0,52 0,72 J ... L L L.. L L *Performance information is located at the conclusion of this report, Large Capitalization Value Manager Search Analysis 7 As of June 30, 2004 L L _ Consulting Group Prepared for Sample L Risk/Return Time Study* 3 Candidates remain t L. Periods ranging from 09/99-09/02 (smallest) through 06/01-06/04 (Iar est) L 8 A N N U A L I Z E D R E -4 T U R N -8 0 5 10 15 20 25 ST ANDARD DEVIATION L L L l III L . 1. Standard Deviation Series CANDIDA TE SYMBOL 06/2001-06/2004 03/2001-03/2004 t .. 1 FLIPPIN BRUCE LG CAP VAL FS <> 0.2338 0.2353 2 LORD ABBETT LG VAL EQ FS 0 0.2252 0.2255 3 NWQ INVESTMENT LARGE ~ 0,2273 0.2277 VALUE EQUITY FS 4 90-DA Y T-BILLS D 0,0031 0,0044 5 RUSSELL 1000 VALUE ~ 0.2107 0.2117 i ... Standard Deviation Series CANDIDA TE 12/2000-12/2003 09/2000-09/2003 06/2000-06/2003 ... 1 FLIPPIN BRUCE LG CAP VAL FS 0.2350 0.2278 0.2271 2 LORD ABBETT LG VAL EQ FS 0.2317 0.2235 0.2298 3 NWQ INVESTMENT LARGE 0.2268 0.2146 0.2158 VALUE EQUITY FS 4 90-DA Y T-BILLS 0,0059 0,0081 0,0093 5 RUSSELL 1000 VALUE 0.2156 0.1999 0.2049 l t .. L L I ... L *Performance information is located at the conclusion of this report, Large Capitalization Value Manager Search Analysis 8 As of June 30, 2004 L _ Consulting Group Prepared for Sample L Ii .. Standard Deviation Series CANDIDATE 0312000-031200~ 09/1999-09/2002 1 FLIPPIN BRUCE LG CAP VAL FS 2 LORD ABBETI LG VAL EQ FS 3 NWQ INVESTMENT LARGE VALUE EQUITY FS 4 90-DA Y T-BILLS 5 RUSSELL 1000 VALUE 0.1941 0.2044 0.1 827 0.1938 0.2022 0.1869 0,1870 0.2015 0.1 755 'i If I .. 0,0097 0.1765 0,0097 0.1754 0,0092 0.1687 i ti, .. Annualized Return Series CANDIDA TE 0612001-061200~ 12/2000-12/2003 1 FLIPPIN BRUCE LG CAP VAL FS 2 LORD ABBETI LG VAL EQ FS 3 NWQ INVESTMENT LARGE VALUE EQUITY FS 4 90-DA Y T-BILLS 5 RUSSELL 1000 VALUE 0,0512 0,0604 0,0714 0,0675 0,0694 0,0762 0,0624 0,0338 0,0562 L L 0.0145 0,0296 0,0166 0.0430 0,0197 0,0122 k ~ .. Annualized Return Series CANDIDA TE 0912000-09/200~ 03/2000-03/2003 1 FLIPPIN BRUCE LG CAP VAL FS 2 LORD ABBETI LG VAL EQ FS 3 NWQ INVESTMENT LARGE VALUE EQUITY FS 4 90-DAY T-BILLS 5 RUSSELL 1000 VALUE 0,0381 0,0198 0,0308 0,0323 0,0425 0,0397 -0.0392 -0,0147 -0,0297 i .. L 0,0240 -0,0201 0,0284 -0.0019 0,0323 -0.0686 , ... Annualized Return Series CANDIDATE 12/1~.09/2002 I FLIPPIN BRUCE LG CAP VAL FS 2 LORD ABBETI LG VAL EQ FS 3 NWQ INVESTMENT LARGE VALUE EQUITY FS 4 90-DAY T-BILLS 5 RUSSELL 1000 VALUE -0,0378 -0,0054 0.0046 -0,0509 -0,0065 -0,0179 L 0,0362 -0,0515 0,0395 -0.0626 lr l I. . .. L L L L L Large Capitalization Value Manager Search Analysis 9 As of June 30, 2004 ~ ... 4ft Consulting Group Prepared for Sample & I .. I .... Smith Barney Disclaimer Page Although the statements of fact and data in this Report have been obtained from, and are based upon, sources that the Firm believes to be reliable, we do not guarantee their accuracy, and any such information may be incomplete or condensed. All opinions included in this Report constitute the Firm's judgment as of the date of this Report and are subject to change without notice. This Report is for informational purposes only and is not intended as an otTer or solicitation with respect to the purchase or sale of any security. Past performance is not a guarantee of future results. The investment results depicted herein represent historical gross performance with no deduction for investment management fees or transaction costs. Actual returns will be reduced by expenses that may include management fees and costs of transactions. The client is referred to the Consulting Group Descriptive Brochure (Schedule H of Form AD V) for a full disclosure of the fee schedule. As fees are deducted quarterly, the compounding effect will be to increase the impact of the fees by an amount directly related to the gross account performance. For example, on an account with a 2% annual fee, if the gross performance is 10%, the compounding effect of the fees will result in a net performance of approximately 7.81. On an account with a 1 % annual fee, if the gross performance is 6%, the compounding effect of the fees will result in a net performance of approximately 4.94%. This Report is for use in one-on-one client presentations only. If the investment manager (the "Manager") participates in the Fiduciary Services program, certain performance figures may represent the Manager's composite performance as calculated by the Manager and predates entry into the FS Program. The Manager's composite performance depicts the performance of accounts employing similar, but not the actual investment strategies used by Consulting Group. Actual results may vary. Please refer to the Consulting Group Profile for information with respect to the Manager's historical performance. Smith Barney makes no representations concerning Managers in the Investment Management Services Program and does not assume any liability for any loss, claim, damages or expenses attributable to a client's selection of such Manager or the investment selections made by such Manager. To the extent the investments depicted herein represent international securities, you should be aware that there may be additional risks associated with international investing involving foreign economic, political, monetary and/or legal factors. International investing may not be for everyone. If investing in Small Capitalization companies, you should be aware that these companies may be subject to higher volatility than larger, more established companies. Smith Barney does not provide tax or legal advice. Please consult with your tax and/or legal advisor for such guidance. Smith Barney and Consulting Group are divisions of Citigroup Global Markets Inc. Smith Barney is a service mark of Citigroup Global Markets Inc. and its affiliates and is used and registered throughout the world. CITIGROUP and the Umbrella Device are trademarks and service marks of Citicorp or its affiliates and are used and registered throughout the world. Citigroup Global Markets Inc. is a member of the Securities Investor Protection Corporation (SIPC). (Revised June 2003) ~ .. \ ~ , I ! .. , L. t 1. ~. .. l L. L i ... l .. L. , .. i .. ~ ,! ... , I ... Large Capitalization Value Manager Search Analysis 10 As of June 30, 2004 ~ ... ~ L. _ Consulting Group Prepared for Sample L Glossary ~ '- Alpha l lit The subject's risk-adjusted value added; i.e., the y intercept of the linear regression line through the subject series and the independent benchmark. A positive Alpha is the expected extra return awarded to the investor for taking a risk instead of accepting the benchmark return. For example, an alpha of 0,6% means the subject would be expected to outperform the beta- adjusted independent benchmark return by 0.6%, based on past performance, Past performance does not ensure similar performance in the future, i .. , * lit Annualized Return . L. The constant rate of return that. compounded annually, would yield the same overall return for a multi-year period as the actual return observed; or the cumulative return, when the time period is one year or less. L .. Batting Average L The number of periods the subject beat the benchmark, di vided by the total number of periods in the series. Beta } I II. The subject's non-diversifiable risk; i.e., the slope of the linear regression line through the data points, A beta of 0.7 means a candidate's price is likely to move up or down 70% of the market change; a beta of 1.3 means the candidate's price is likely to move up or down 30% more than the market based on past performance. Past performance does not ensure similar performance in the future, ~ ~ .. I r} II. Cumulative Return The subject's compounded rate of return over an extended period. " ~ ... Maximum Return The subject's highest rate ofretum during a single period, jy .. Minimum Account Size The minimum account size the program allows, ~ r.. Minimum Return L The subject's lowest rate of return during a single period. R2 t I ... A dimensionless index ranging from 0 to 1 inclusive, reflecting the extent of a linear relationship between two data sets (the subject series and the independent benchmark series). ... l .. Large Capitalization Value Manager Search Analysis 11 As of June 3D, 2004 L _ Consulting Group Prepared for Sample L If the R2 between the subject series and the independent benchmark series is 1, the two series are perfectly correlated. If the R 2 is 0, no correlation exists between the two series. ~ L. Sharpe Ratio L The candidate's risk-adjusted return. Using standard deviation as a proxy for portfolio risk, the Sharpe ratio represents the excess return achieved per unit of risk undertaken, This is a value which any risk-averse investor seeks to maximize. The Sharpe ratio can be used to rank the performance of portfolios one versus another relative to the overall market. One of the major recommendations of the landmark 1968 BAI study "Measuring the Investment Performance of Pension Funds" was that portfolio performance be evaluated on a risk-adjusted basis. In other words, portfolio returns should be evaluated in the context of risk incurred (volatility of returns), The recognition that portfolio performance should be evaluated on a two- dimensional basis was not new. However, it was not until the early 1960's that advances in portfolio theory (specifically, the ability to quantify risk) had made composite performance measurement feasible. ~ III ~ .. % ... Standard Deviation l t .. The candidate's standard deviation. This is a measure of volatility, used to represent risk. i ... t .. , ... L L I II. 1. ~ i .. I .... .... Large Capitalization Value Manager Search Analysis 12 As of June 30, 2004 I .. L L L. L L. L L. L L l L l L. L. L. 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N '<t 'as ~ eft. eft. eft. cf2. ~ r--. ex:> 0 0 0 N ": 0 ~ <Xi <Xi ~ l.() ~ '" C"') '<t 0) <0 >- = ~ 0) 0) N N 'fil"iSm C"! ~ ~ ~ ~ 0:: l.() '<t N '<t eft. cf2. eft. ~ .~ ~ 0 C"') ,...., l.() C"') 1il ell r--. ~ T"" T"" :EO:: <Xi r--. a:i r--: .,.... T"" '<t C/J LL >- I:: :J a w w C/J :J ...J LL (j') ..: ...J LL > ..: a w > w (') 0.. ...J cc i'i ..: ..: > ...J (') (') I- '" ...J ...J Z ::l W I- ~ c;; C.l I- > ::J W I- a CC CD C/J a CD CD w a > ~ z ..: ~ - 0: ci a; a '" 0.. cc s: '" ::i 0 ::l LL ...J Z cc ~ ~ :;, -.. ,C'C- ~~ -t~ .>< '" lij ,s 0:: ::l C Q) ~:;; 'US" 0:: iI:1 ~ ~ ~ E 'f: ~ ::> 0 !!I.s 'al f Q) Z 0.. (/) E e:.. ffi CO ~ (j) oe I- ::> 0 ~ - ~ "'0 Ql ~ OJ j CO ~ 0.. Ql Q) N I- 0.. ~ ... L PAGE ONE Consulting Group Profile Lord, Abbett & Co. LLC Large Cap Value Equity Portfolios L L Performance Highlights Total Return for Period Ending 03/31/2004 L Cumulative Return Annualized Return Lord Abbett Russell 1000 S&P 500 Lord Abbett RusseU 1000 S&P 500 Value Value L 1 Year 3 Years 5 Years 7 Years 44,41% 22,30% 55.33% 121.26% 40,81% 13.47% 20,98% 87,03% L The Finn Founded in 1929, Lord, Abbett & Co, LLC is an independent money management fIrm structured as a limited liability company, Lord Abbett is owned by 46 partners who are active in the management and operation of the fIrm. Investment Objective Lord Abbett's value-based, disciplined investment process employs both informed judgment and quantitative analysis in seeking to identify and invest in undervalued stocks, They seek to outperform the Russell 1000 Value Index over a full market cycle while assuming less risk, There is, of course, no assurance that these goals will be realized, Portfolio values will fluctuate as market conditions change. Investment Discipline As a value manager, Lord Abbett believes that the market systematically undervalues stocks and groups of stocks, Lord Abbett combines valuation measures with fundamental company and industry research to identify such value opportunities. They calculate where they believe the market would price these stocks at fair value. Lord Abbett constructs portfolios of issues where they believe the gap between market value and fair value can be closed over a reasonable period of time. This process is implemented within the context of anticipated changes in the economy which will have a future impact on asset valuations and portfolio risk. The investment process for large cap value incorporates 3 disciplines: L L L L w .. L l L L L 35,13% 1.91% -5,86% 65,05% 44.41 % 6,94% 9,21% 12.01% 40.81% 4,30% 3,88% 9.36% 35.13% 0,63% -1.20% 7.42% SMITHBARNEY~ CltlgroupJ PERFORM ANC E ANALYSIS 80 valuation ranking, fundamental analysis and risk control. Stock selection employs both bottom-up stock valuation and fundamental analysis. Lord Abbett uses quantitative analysis focusing on a universe of large-cap stocks, The stocks are analyzed and ranked using a proprietary valuation model which provides objective measures of relative value. Focusing primarily on stocks that appear attractive from a valuation point of view, a team of six analysts, each with an assigned industry of concentration, performs extensive fundamental research in an effort to identify those stocks with the strongest fundamentals relative to their valuations. The portfolio construction process incorporates elements of measuring and controlling marcro-economic risk. Lord Abbett performs an economic analysis of the next twelve months through its business cycle analysis, Factors considered include: .the level and direction of inflation and interest rates .general economic activity and . government monetary and fiscal policies, Strength of company fundamentals, stock valuation rankings and macro- economic risk control techniques influence the final portfolio construction of 55 - 65 names, A stock may be sold due to diminishing valuation ranking, deteriorating fundamental outlook, and/or a change in emphasis of the macro-economic risk profile, 40 20 o -20 -40 2002 2003 3 Mos. 2004 2000 2001 . Lord Abbett a SAP 500 ~ Ru...111000 V.Iu. COMPARATIVE ANALYSIS OF UP & DOWN MARKETS UP DOWN UP 800 500 400 300 200 100 0 .100 ~oo 03I01Hl3103 03103-03104 . Lord Abbett I:2ZI Ru...U 1000 V.Iu. a SAP 500 All Rates Unannualized RISK/RETURN ANALYSIS 03131/1999 - 0313112004 30 A 25 N N 20 U A 15 L 10 1 Z 5 E D 0 . R -5 0 5 10 15 20 25 30 35 E ANNUALIZED STANDARD DEVIATION T (Based on quarterly data) U R * Lord Abbett . Ruaaell1000 Value N . S&P 500 & 90 Day TOBlIIs L I '" d, \hhl'll '" ( o. I I ( ,'Ill 110,,"011 '01, ed, ,),., ,"" ( ,1\, :\ I H7.\HZ @ 2004 SInlth Barney and Consu1tmg Group are diVlSlOns of CIl1group Global Markets Inc, Member SIPC. L 1 .. PAGE TWO Consulting Group Profile Lord, Abbett & Co. LLC Large Cap Value Equity Portfolios SMITH BARNEY CrtlorouiSt ,j :\ .. I wi INVESTMENT MANAGER BIOGRAPHIES .J Robert S. Dow Managing Partner and Chief Investment Officer M,S" New York University M.B.A, Columbia University Investment Career Began 1 rn2 Robert G. Morris, CFA Partner and Director of Equity Investments B.A., State Univ, of NY . Buffalo MA, NlI1heastem University Investment Career Began 1971 En M. Salzmann Partner and Director of Institutional Equity Investments B,A., Princeton Universtiy M,B.A., New York University Investment Career Began 1987 Daniel H. Frascarelli, CFA Partner and Investment Manager 80S" Syracuse University M,S, Colwnbia University M,B.A. New York University Investment Career Began 1983 i ... ASSET ALLOCATION HISTORY ~ ',~ .., 2000 2001 2002 2003 2004 lQ 2Q 3Q 4Q lQ 2Q 3Q 4Q lQ 2Q 3Q 4Q lQ 2Q 3Q 4Q lQ Equity 95% 93% 92% 95% 94% 92% 98% 96% 90% 96% 98% 93% 94% 92% 93% 95% 94% Casb 5% 7% 8% 5% 6% 8% 2% 4% 10% 4% 2% 7% 6% 8% 7% 5% 6% The asset allocation history represents a composite of accounts managed with objectives similar to those of the Consulting Group program. J EQUITY SECURITY CHARACTERISTICS' .J Representative Size (Millions) Safety Income Value Growth Holdings Equity Debt to Dividend PIE % Return on 5 Year Annual % Capital Sales Equity Yield Ratio Assets Equity EPS Sales CITIGROUP INC 266,298 94,713 142.6 3.1 14.8 1.4 18.4 41.0 4.4 DEERE & CO 16,877 15,389 206.7 1.6 22,4 2.5 16,1 -8,6 2,4 EXXON MOBIL CORP 272,727 213,199 5,3 2.4 13.2 12.3 23.9 19.1 16.2 MOTOROLA INC DE 41,195 27,058 56.4 0,9 46.3 2,8 7.0 N/A -1.7 WALT DISNEY CO 51,169 27,061 46,2 0.8 29.1 2.5 5,3 -6,5 3,3 TOTAL PORTFOLIO 63,188 34,951 212.0 1.8 22.4 3.8 -0,7 3.6 8,6 S&P 500 INDEX CAP WID 89,478 38,617 115.4 1.7 20,2 5.6 18.3 10.5 11.8 f -' J :j .. . Information accurate as of March 31, 2004. Representative Holdings and Portfolio Sector Weightings are subject to change at any thue. Representative Holdings lists and sector weightings are calculated by Smith Barney (S8), or in certain cases by third-party service providen, based on data provided to them by either Consulting Group or the Investment Manager. Representative Holdings lists indicate the largest security holdings in the portfolio, and sector weightings are based on industry standard sector identification codes. Both are measured as a percentage of the total portfolio in tenDS of asset value as of the date indicated above. Individual client portfolios may be different based on variations in security purchase price and date, and individual client restrictions. To the extent any representative holdings contained herein includes securities of Citigroup and/or its affiliates, such information is not intended to be and should not be considered a recommendation to buy or sen any such securities. The information provided in this report should not be considered a recommendation to purchase or sell a particular security. There is no assurance that any securities discussed herein will remain in an account portfolio at the time you review this report or securities sold have not been re~purchased. The securities discussed do not represent an account's entire portfolio and, in the aggregate, may represent only a small percentage of an account's portfolio holdings. It should not be assumed that any of the security transactions or holdings discussed were or wiD prove to be profitable or that the investment recommendations or decisions made in the future will be profitable or will equal the investtnent performance of the securities discussed herein. .. ,t .. The infOlmation conlained in this Consnlting Group Profile for Lord, Abbett & Co. is as ofMarcb 31, 2004. The information was collected from Lord, Abbett & Co. and other souteeS believed 10 be reliable. Their minimum account size for Smith Barney's Fiduciary Services Program. is $50,000. The Performance Highlights section shows annual and total returns which are calculated assuming reinvestment of dividends and income plus capital appreciation. The performance results shown are those of Lord Abben's Value Equity composite, a capitaIization-weighted composite of fifteen tax-exempl discretionary, separately managed accounts managed by Lord, Abbett & Co. Prior to 1988, the accounl returns are equally weighled, Perfonnance since July I, 1996 represents all value equity Consulting Group accounts managed by Lord, Abbett & Co. for more than Iwo full quarters. While Lord, Abbett & Co. believes these perfonnance results best reflect the past performance of its large cap value discipline, it should be noted that past performance is not necessarily indicative of future performance. Composites calculated by Smith Barney (SB) include all actual, fee paying, discretionary portfolios. Perfonnance will be calculated on a total return basis, gross of invesbnenl mlll1llgemenl fees and transaction costs. New accounts are included upon the 1st fun quarter of performance (two full quarters for accounts added to the compos ite prior to 1 Q02). Accounts with restrictions are not included in the composite. Terminated accounts are removed in the quarter in which they terminate. Prior to inclusion in Ibe Consulting Group program (1/30196), tnmsaction costs were deducted from gross perfonnance, Ahhough the statements of fact and data in this report have been obtained from, and are based upon, sources that the Finn believes to be reliable, we do not guarantee their accuracy. and any such information may be incomplete or condensed. All opinions included in this report constitute the Firm's judgment as of the date of this report and are subject to change without notice. Smitb Barney and Consuhing Group are divisions of Citigroup Global Marlcets Inc. Smitb Barney Inc is a service mati< of Citigroup Global Matkets Ine, and its affiIiates and is used and registered Ihroughoul the world. CIDGROUP and the Umbrella Device are trademarks of Citicotp or its affiliates and are used and registeted throughoul the world, This report is for infonnational purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. Past performance is not a guarantee of future results. The investment results depicted herein represent historical gross performance with no deduction for investment management fees or transaction costs. Actual returns will be reduced by expenses that may include management fees and costs of transactions. The client is refened to the Consulting Group Descriptive Brochure (Schedule H of Form ADV) for a full disclosure of the fee schedule. As fees are deducted quarterly, the compounding effect will be to increase the impact of the fees by an amount directly related to the gross account performance. For example, on an account with a 2% annual fee, if the gross performance is 10%. the compounding effect of the fees will result in a net performance of approximately 7.81 %. This report is for use in one-on-one client presentations only. .J .~ ;~ .. :} .i ... I 0.11. \lIl1dt " ( 0, I I ( ,'JIIlhllholl 'ill l'I't, .1(" st'\ ( ill, "I H7.\HZ ... @ 2004 SlDlth Barney and Consultmg Group are diViSIOns ofC1l1group Global Markets Inc, Member SIPC, ... a .. L . Consulting Group 7/19/04 L Lord, Abbett & Co. - Large Cap Value Product name as assigned by Lord, Abbett & Co. L Current Previous Opinion Opinion 7/19/04 4/19/04 L .... i Diamond Opinion i Qualitative Personnel Investment Process Quality of Research Implementation of Process Business Evaluation i Reliability of Composite I Quality of Composite L.....,.Qi~~~i<?,ll_~_.___~~~,..,.__. L 5 5 4 4 5 I II. 4 5 L Distin uishin features L . Valuation and growth metrics tend to be at or above the benchmark . The process combines bottom up stock selection based on relative value with benchmark risk controls . Very aware of benchmark risk which is monitored using Barra . At times, significantly underweights Financials and overweights Technology L ~ ~ ' ... Points to consider L . Potential for overlap with core or growth managers due to flexibility of relative value process . Bias over time toward higher growth and PE stocks than the Russell 1000 Value may cause underperformance when higher growthlPE stocks are out offavor . Despite risk controls and flexibility of investment process, portfolio may underperform when deep value stocks lead the Russell 1000 Value . Active risk in sectors could cause significant performance deviation from the benchmark . Performance dispersion between managed accounts and institutional due to some differences in holdings, number of holdings, and turnover . The portfolio generally holds 55-65 stocks and has turnover of approximately 50% L ~, ~ lilt L ~ i. , I .. I .. .... 5 5 4 4 5 Investment Style Large Cap Value Investment Sub-Style Relative Value 4 5 Primary Benchmark Russel/1000 Value Stren ths of firmldiscipline . Strong, high quality portfolio management team . Flexible investment process . Depth of business, operations, and marketing infrastructure Current issues . Q4 2003/Ql 2004 - CG was informed that Lord Abbett received information requests from the SEC and NASD and a subpoena from the Bureau of Securities of the State of New Jersey relating to market timing and late trading. In addition, they have received inquiries from the SEC and NASD relating to revenue sharing arrangements, are currently being examined by the SEC and investigated by the NASD in connection with revenue sharing arrangements and the use of fund brokerage commissions and received a subpoena from the US Postal Inspection Service relating to revenue sharing arrangements. . Ql 2004 - Modified maximum position size for large benchmark stocks to the lesser of approximately l.5x benchmark weight of a stock or approximately 7.5%. . QI 2004 - Given a high and rising level of assets in Large Cap Value at the firm, CG believes liquidity may become an issue CONSULTING GROUP RESEARCH Page 10f5 I L. (; Consulting Group SMITH BARNEY cltlgrouPt 7/19/04 Lord, Abbett & Co. - Large Cap Value Product name as assigned by Lord Abbett & Co. CONCLUSIONS AND RECOMMENDATIONS · Consulting Group ("CG") maintains a .... opinion of Lord Abbett & Co. (LA) Large Cap Value. · The opinion is supported by the significant size, experience, and overall quality of the key investment professionals; an investment process that is highly flexible, has considerable depth, and is well thought out from a portfolio construction point of view; and, the strength of the firm from a product, operations, and distribution perspective. · CG believes the large cap value portfolio management team is very strong. The team is heavily focused and has demonstrated an active thought process at the individual stock and at the portfolio construction level. CG has a very high level of confidence in their abilities, investment acumen, and knowledge of portfolio holdings. Organizational Overview · LA, founded in 1929, is an independent asset management firm structured as a partnership (LLC). Lord Abbett transitioned from a general partnership to a limited liability company in 2002. · Assets under management are approximately $81 billion as of 6/30/04, consisting primarily of mutual funds, managed account programs and separately managed equity and fixed-income accounts for corporations, institutions and individuals. · The strength of LA from a business perspective was reflected in an upgrade in the score for Business Evaluation from a 4 to a 5 in August 2003. Large Cap Value Overview As a value manager, LA philosophically believes that: · The market consistently misprices stocks and groups of stocks · Macro-economic factors and company specific events influence the behavior of stock prices · A disciplined process based on strong fundamental and proprietary quantitative research is expected to successfully identify undervalued securities while reducing downside risk LA's goal is to construct a portfolio with stocks that have: · Positive fundamental outlook . Attractive valuation · Appropriate economic exposure · Appropriate risk parameters versus the benchmark · CG believes the LA Large Cap Value product is appropriate for investors who desire a manager with a flexible value process that is materially influenced by benchmark construction, but has a strong bottom up stock capability. CONSULTING GROUP RESEARCH Page 2 of 5 I .. ') I .. ,I wi 1 .II .. ,; J :J .II j ..i i J ... s ... 'I .... ! ~ .. ... J ~ ... .. .... ... ; .. ) '" ~; .. I '- ! .. l< I.. ! l... Ii t, I .. .. L ... L 1.. .. .. Ii L. f , ... 'i .... .. . Censulting GroUp SMITH BARNEY cltlgrouPt 7/19/04 Lord, Abbett & Co. - Large Cap Value Product name as assigned by Lord Abbett & Co. · Potential for overlap with core or growth managers is high due to the flexibility of the relative value investment process. · Over time, LA has displayed a bias toward higher growth and PE stocks than the Russell 1000 Value. This could cause underperformance when higher growth/PE stocks are out of favor. In addition, the portfolio is likely to underperform when deep value stocks lead the Russell 1000 Value, as LA has not typically positioned the portfolio with a deep value orientation. While LA has at times in the past outperformed in such environments due to strong stock and/or sector selection, CG believes that over time LA is likely to have difficulty outperforming in such environments. · LA ranks all stocks as buys or sells, with no holds allowed. Clients should be aware that the strict "no holds allowed" approach may cause newly established portfolios to quickly incur realized gains or losses since portfolios may quickly buy the model portfolio and individual securities may become sells or trims in short order. · Dispersion between institutional and managed account portfolios has occurred historically and should be expected to continue. Dispersion within each distribution platform is low. · Some concern exists with historic analyst turnover and this will continue to be monitored by CG on a going forward basis. Analysis of Sub-Style · Consulting Group assigns this product to the Relative Value sub-style. · Key factors driving the sub-style rating include: o Over time, LA has displayed a bias toward higher growth and PE stocks than the Russell 1000 Value. o LA tends to underweight Financials (typically considered a value-oriented sector) and overweight Technology (typically considered a growth-oriented sector) o Highly Flexible investment process. In 1999, the LA investment process resulted in portfolios which included non-traditional value names such as Sun Microsystems, Oracle, Apple Computer, Qualcomm and EMC. · Flexibility with respect to sub-style categorization: o LA has shown the ability to move around the valuation spectrum to a limited degree, from relative value in 1999 to more of a traditional value orientation for much of 2000, and back toward relative value in more recent periods. o A deep value orientation has not taken place and CG believes that such an orientation is unlikely to take place in the future as LA is typically positioned with a relative value orientation. ADDENDUM TO FULL REPORT Product Current 0 inion Date Full Re ort Date Large Cap Value July 19, 2004 August29,2003 CONSULTING GROUP RESEARCH Page 3 0(5 J SMITH BARNEY cltlgroupt . Consulting Group I ... 7/19/04 .. Lord, Abbett & Co. - Large Cap Value Product name as assigned by Lord Abbett & Co. J The following are a summary of material events or changes that have been identified by Consulting Group since issuance of our last Full Report Date. Along with each item is included the impact, if any, that these changes or events have had on Consulting Group's Scores or Opinion Rating. j 02 2004 Date Event 1m act on 0 inion or Scores ,~ filii 04 2003/01 2004 01 2004 01 2004 01 2004 01 2004 04 2003 Current sector weight in Financials of None 18% compared to 33% for the Russell 1000 Value is beyond LA's sector guideline of plus or minus 10 percentage points, though this is a guideline not a rule. CG was informed that Lord Abbett None received information requests from the SEC and NASD and a subpoena from the Bureau of Securities of the State of New Jersey relating to market timing and late trading. In addition, they have received inquiries from the SEC and NASD relating to revenue sharing arrangements, are currently being examined by the SEC and investigated by the NASD in connection with revenue sharing arrangements and the use of fund brokerage commissions and received a subpoena from the US Postal Inspection Service relating to revenue sharing arrangements. Modification to maximum position size. None For those stocks that represent approximately 3.33% or more of the benchmark, modified the approximate 5% limitation to the lesser of approximately 1.5x the benchmark weight of a stock or approximately 7.5%. Current sector weight in Financials of None 19% compared to 36% for the Russell 1000 Value is beyond LA's sector guideline of plus or minus 10 percentage points, though this is a guideline not a rule. Bonita Burrell joined the Large Cap None Value team as a healthcare analyst. Given a high and rising level of assets in None Large Cap Value at the firm, CG believes liquidity may become an issue. In November 2003, Larry Chinsky, a None research analyst (generalist), resigned. ;~ .I 1 .. { filii .J ,j ... J .J /1 .. .. j WIllI CONSULTING GROUP RESEARCH Page 4 of5 ... ... . ... l . Consulting Group SMITH BARNEY cltlgrouPt 7/19/04 ) .. , .. Lord, Abbett & Co. - Large Cap Value Product name as assigned by Lord Abbett & Co. \ .. 03 2003 Current sector weight in Financials of None 18% compared to 35% for the Russell 1000 Value is beyond LA's sector guideline of plus or minus 10 percentage points, though this is a guideline not a rule. Current sector weight in Financials of None 18% compared to 36% for the Russell 1000 Value is beyond LA's sector guideline of plus or minus 1 0 percentage points, though this is a guideline not a rule. 04 2003 r , ~ i. L L This report was prepared by: Drew B. Soffer 302.888.4106 drew.b.soffer@citigroup.com L ? L. Although the statements of fact and data in this Report have been obtained from, and are based upon, sources that the Firm believes to be reliable, we do not guarantee their accuracy, and any such infonnation may be incomplete or condensed, All opinions included in this Report constitute the Finn's judgment as of the date of this Report and are subject to change without notice, This Report is for infonnational purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security, Past perfonnance is not a guarantee of future results, ~ L. L For infonnation about the Consulting Group research process and the diamond rating system, please ask your financial consultant for a copy of the Consulting Group White Paper entitled Behind the Diamonds, For further infonnation on sub-styles, please see the Research Bulletin entitled .Why Sub-Styles Matter." L To the extent the investments depicted herein represent intemational securities, you should be aware that there may be additional risks associated with intemational investing involving foreign economic, political, monetary and/or legal factors, International investing may not be for everyone, These risks may be magnified in emerging markets, In addition, the securities of small- capitalization companies may be subject to higher volatility than larger, more established companies, Smith Barney does not provide tax or legal advice, Please consult with your tax and/or legal advisor for such guidance, k l ... Smith Barney and Consulting Group are divisions of Citigroup Global Markets Jnc, Smith Barney is a service mark of Citigroup Global Markets Inc, and its affiliates and is used and registered throughout the world, CITIGROUP and the Umbrella Device are trademarks and service marks of Citicorp or its affiliates and are used and registered throughout the world, Citigroup Global Markets Inc, is a member of the Securities Investor Protection Corporation (SIPC), L L L. i i '- CONSULTING GROUP RESEARCH Page 50f5 ~ ... - ... .... ... ... ~ .. ~ .. i 1. ~ i. i + .. ~ ~ .. L. ~ 8 c) bCJ oS ......-4 ~ ~ o U . ~ t.. ~ .. L . .. L 'i' L L z o .. ~ < ;J ~ < > ~ ~ u z~ <~ ~~ ~"",.,.."<".,, 00 " ~ t: ~ ;1 ~ r- ~ < ;:J 0' -- I: &: II: .0 .. ~, == . " ~~ ~~ "= .~ ~~ l~ ~I - & ;:i. ~ ~ ~. *.. u ~ ~! 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I- L ~ La _ Consulting Group SMITHBARNEY Capital Markets Overview atlgrouPt' L. l 2nd Quarter 2004 Mixed News Leads to Stock Market Standoff L. . The U.S. stock market posted slight gains in the second quarter, as worries about higher oil prices and interest rates were offset by solid growth in corporate earnings and signs of a broadening economic expansion. ~ . The Fed nudged short-term interest rates higher - pushing its target for the key Federal Funds Rate to 1.25% on the last day of the quarter. . The U.S. economy appeared to grow at a robust pace, although signs of deceleration appeared near the end of the quarter, Job creation, which had lagged growth in 2003, improved significantly. i.. L. L. . With job growth accelerating and interest rates and oil prices both rising, most fixed income benchmarks posted negative returns for the quarter. Losses were steepest at the long end of the yield curve, l . International stock markets were mixed in the second quarter, as a rising dollar slightly trimmed returns for U.S.-based investors. Emerging markets generally fell, on concerns about the impact of high U.S. interest rates on global capital flows. La L The second quarter was a rocky one for the U.S. stock market, as equity investors confronted a number of unsettling developments, including higher oil prices, terrorist attacks in Saudi Arabia and a growing perception the Federal Reserve would soon move to raise interest rates for the first time in four years. ~ L. .. Countering these anxieties, however, the outlook for economic growth and corporate profits remained bright. Operating earnings for the S&P 500 companies rose 26% in the first quarter from the first three months of 2003, according to Wall Street analysts. Earnings appeared to continue rising at a rapid clip in the second quarter. ~ ill L L With profits rising and job growth accelerating, the Fed nudged short-term interest rates higher - pushing its target L , L for the key Federal Funds Rate to 1.25% on the last day of the quarter. Investors, however, took some comfort from comments from Fed officials indicating they expect to lift rates only gradually in coming months. Returns on Major U.S. Stock Market Indices 8% 6,8% 6% 4% 2% 0% Dow Jones S&P 500 Nasdaq Russell Russell Industrial 1000 2000 I_ 2nd Quarter Ii!il First Half I Source: Consulting Group L L. SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 2nd Quarter 2004 L ~ Pulled by these opposing forces, the U.S. stock market ended the second quarter with slight gains. The Dow Jones Industrial Average rose to 10,435.48 from 10,357.70 at the end of the first quarter. That still left the A verage slightly lower for the first half. Including dividends, however, the Dow returned 1.26% for the quarter and 0.77% for the half. 2% 10% 8% f L. 6% 4% ! ... 0% f .. Reports of a long awaited pick-up in job creation and strong retail sales sparked a rally to open the quarter. But stocks struggled mid April as rising inflation increased the likelihood of a rate increase and offset strong earnings reports. Investors began to adjust their portfolios for the risk of higher rates. Large-cap stocks were down approximately 2%, while small cap issues dropped 5%. i .. Russell Size and Style Indices 7.8% Russell 1000 Russell 1000 Russell 2000 Russell 2000 Value Growth Value Growth . 2nd Quarter !1il'l First Half I Source: Consulting Group , i.. a ... , ~ .. The market faded in May amid interest rate and inflation concerns. While the Fed signaled a shift toward rate hikes later this year, strong economic data and accelerated earnings increased speculation on the timing and magnitude of the action. By mid May major indices were at the lowest levels for the year. Sentiment improved amid signs of lower oil prices and bargain hunting pushed stocks higher by month end. Major indices finished up roughly 1.5%. L. L t ill l In June, continued strength in job creation and declining oil prices drove stocks higher. Stocks idled until late in the month, then rose as investors shifted back to a view of moderate Fed action and began to anticipate upbeat second quarter profits. L i.. Large capitalization stocks delivered modestly positive returns, on average. The S&P 500 posted a return of 1.71 % for the second L f: ... quarter, and 3.44% for the first half. Strong returns for several major technology stocks helped the Nasdaq Composite Index post a 2.69% return for the second quarter, and 2.22% for the first half. The Russell 1000 Index - a broad benchmark that includes both large-cap and mid-cap stocks - gained 1.4% for the quarter and 3.33% for the first half. In terms of S&P 500 economic sectors, Industrials led the way with a 8.46% second quarter return, as signs of economic strength boosted a number of major manufacturing stocks. Energy gained 7.56% on the heels of rising oil prices. Healthy gains on a several S&P 500 Economic Sectors Second Quarter 2004 -100/. -80/. .60/, ....a;. .2". B% 100/, 120/. 0-;. 20/. 4% 6% Industrials 8.5% Energy Information Technology Health Care 7.6~/o 2.8% 2.7% Materials Consumer Staples Consumer Discretionary Telecomm Service Utilitie. Financials Sooroe: Ve6takSystems 2 L .' L. SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 2nd Quarter 2004 L Large Cap vs. Small Cap Returns on Russell 1000 Minus Russell 2000 L. 20% 15% 10% 5% 0% -5% -10% -15% -20% L ... 00 00 00 01 01 01 01 02 02 02 02 03 03 03 03 04 04 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 S:lurce:VEil9~Sysll9ms ~ mega-cap computer and Internet stocks helped offset broader weakness in the Information Technology sector, which returned 2.84% for the quarter. Lagging economic sectors included Financials, which lost 2.38%, and Utilities, down 1.29%. Telecommunications Services lost 0.97%, while Consumer Discretionary sector dropped 0.29%. I' L. l L. f .. Small capitalization stocks lagged the large- cap sector in the second quarter, although by only a relatively narrow margin. The Russell 2000 Index - a popular benchmark for small- cap stocks - returned 0.47%. For the first half, however, the small-cap benchmark remained modestly ahead of its large cap cousin, with a 6.76% return. ... i .. L SmaIl Cap Returns , L Russell 2000 returns were dominated by solid gains in the small-cap energy sector, and more moderate advances by industrial conglomerates, transportation and consumer durable stocks. Lagging sectors included Technology, Shelter and Retail. Investors showed a defensive preference in the second quarter, as larger, less volatile and less richly valued stocks in the Russell 2000 generally outperformed. I, .. L t 1 ... The small cap value sector - stocks those with below average valuations and above average L K l.. dividend yields - narrowly outperformed the broader small-cap universe in the second quarter. The Russell 2000 Value Index, a subset of Russell 2000 stocks with value-like characteristics, returned 0.85% for the quarter, bringing its first half return to 7.83%. Within the value sector, energy, consumer durable and transportation stocks led the way, while housing, health care and technology stocks lagged. Investors generally shied away from the smallest and most high yielding stocks in the Russell 2000 Value Index during the second quarter, but showed a preference for more volatile stocks. Small growth stocks - those with above average valuations and expected earnings growth - lagged the broader small-cap universe in the second quarter, although by a relatively small margin. The Russell 2000 Growth Index, a subset of Russell 2000 stocks with growth-like characteristics, gained a slight 0.10% during the quarter, for a first-half return of 5.69%. Within the Russell small growth benchmark, industrial conglomerate and energy stocks outperformed, while the technology, consumer services and housings stocks lagged the index. During the second quarter small growth investors generally shunned the smallest and most volatile stocks, as well as those with extremely high and extremely low expected earnings growth. In general, U.S. large-cap investors showed few pronounced preferences in the second quarter when it came to capitalization, volatility or other stock characteristics. One exception: Investors demonstrated a modest tilt towards stocks with relatively low dividend yields. U.S. equity investors also showed no strong bias towards either the growth or value styles 3 t L. L SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 2nd Quarter 2004 L. Value vs. Growth Retums on Russell 1000 Growth Minus Russell 1000 Value l ... 30% 20"10 10"/0 L 0% -1 0"10 ;;: ... -20"10 -30"10 00 00 00 01 01 01 01 02 02 02 02 03 03 03 03 04 04 ~~~~~~~~~OO~~~~~~~ L SOUr<:e: Consulting Group l of investing in the second quarter. The Russell 1000 Growth Index - a subset of stocks in the Russell 1000 with growth characteristics such as relatively high price-to-earnings multiples - returned 1.94% for the second quarter and 2.74% for the first half. The Russell 1000 Value Index - which contains stocks with value characteristics such as relatively low PE multiples - returned 0.88% for the quarter and 3.93% for the half. f, .. ~ L. .. Moderate losses in the Shelter, Financial and Utility sectors - all highly sensitive to rising interest rates and all heavily represented in the large value universe - held back the value benchmark. Leading sectors included Transportation (up 9.63%), Multi-Industry (+8.99%) and Energy (+8.51%). Large cap value investors generally shunned high- volatility and extremely high-yielding stocks in the second quarter, and generally favored the higher end of the size spectrum. L L ~ L. L In the second quarter, large cap growth investors generally preferred the biggest stocks in the Russell 1000 Growth Index - those with market capitalization of $150 billion or more. In terms of economic sectors within the growth universe, Transportation and Capital Goods stocks outperformed the growth benchmark, with returns of 11.27% and 10.61 %, respectively. Lagging sectors i: .. L.. : f i.. , L.. Distribution of Returns in the S&P 500 Second Quarter 2004 300 250 . ... S 200 Ul ~ 150 . .Q ~ 100 z 192 o 50 9 o o 4 o les. -75%to ~SO%to -25%&0 ~1001oto O%to 10%10 2S'IIato Wt.to gntaler than .S(IIlI. -25",4 -10% 0% 10% 25% SOD!. 75% than -75% 75"10 Range of Returns $;)ull::e: Con~u1tir'9 Group, Vtlslek Systems included Retail (-5.14%), Consumer Services (-3.15%) and Financials (-3.01%). Growth investors generally preferred the largest of large cap stocks in the second quarter - those with capitalization of$150 billion and up. The market gains seen in the second quarter may have been modest, but they were distributed relatively evenly across the capitalization spectrum. Dividing the stocks in the S&P 500 into five equal groups, or quintiles, we find that returns on the smallest group (consisting of stocks with capitalization under $4.2 billion) was 1.6% - only slightly higher than the 1.4% return on the very largest group (capitalization above $23 billion). Gaining stocks also broadly outnumbered losing stocks during the second quarter. Of the stocks in the S&P 500 Index at the end of June, 293 - just under 60% - posted positive returns for the quarter, while 206 - just over 40% - posted negative returns. One stock did not have a return for the full second quarter. Stocks were slightly more expensive at the end of the second quarter than they were at the end of the first - at least according to one common valuation model. The earnings yield on the S&P 500, based on expected l2-month 4 L L SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 2nd Quarter 2004 n L. S&P 500 Valuation Model 10.Year Treasury Yield Minus S&P Earnings Yield 3% L 2% 1-/0 0% L. .1% -2% I .. .3'10 ; ~ ~ ~ ~ : ~ I g Q ~ : 3 ~ : ~ I g g ~ S ~ o ~ ~ Q Q 0 0 Q Q 0 0 0 Q Q Q 0 0 Q 0 000 _ _ ~ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ N N N N Sources: First CaR, Pri.dentia/ Financial. Federal Reserve L. earnings, was about 1.4 percentage points higher than the yield on the lO-year Treasury note, versus a 1.9 percentage point earnings premium at the beginning of the second quarter. A somewhat similar model, which uses the average yield on corporate bonds rated BAA by Moody's Investors Service, also showed the S&P 500 grew modestly more expensive in the first quarter. , Ii. ~ II. L The U ,S, Bond Market k ... The bond market endured a difficult quarter, as oil prices rose sharply and inflationary pressures appeared in some sectors of the economy. Prices of most fixed- income securities fell sharply in April and early May. However, 5% bond prices rebounded somewhat in late June as oil 4% prices retreated from their highs and U.S. economic growth 3% appeared to moderate. L L. L. I ... 2% L The yield on the benchmark 10- year Treasury note rose to 4.62% at the end of June from 3.86% at the end of March. The second quarter also brought a steeper yield curve. Although the adjustment came partly at the long end of the curve - with 30- year yields increasing 53 basis 0% 3-Month 6-Month l-Year Bill 2-Year 3-Year 5-Year 7.Year 10-Year Bill Bill Note Note Note Note Note 1% L points versus 39 basis points in the 3-month - the intermediate portion of the curve widened more. Three-year yields rose the most, jumping 118 basis points. Despite the June rally, most major fix ed- income indices ended the quarter with moderate losses. The Lehman Brothers Government Credit Index - a benchmark for both private and public sector bonds - lost 3.17% in the second quarter, leaving it with a 0.19% loss for the first halt: Government debt issues slightly outperfonned corporate instruments, as the Lehman Government Index lost 2.97% in the second quarter and 0.12% in the first half. Although corporate earnings reports were generally positive, investors appeared to take profits in the investment-grade corporate sector, which had outperformed in the last quarter of 2003 and the first quarter of this year. The Lehman Credit Index lost 3.42% for the quarter and 0.26% for the half. In terms of credit sectors, returns were better for AAA-rated bonds and became progressively worse as credit quality declined, Treasury Yield Curve 1....-6130/2003 ..... 9/30/2003 -'-12/31/2003 .... 3/31/2004 ....6/30/20041 I I.. Source: Federal Reserve Board of Governors L 5 L. f L. SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 2nd QU31ier 2004 L. U.S. Bond Market Returns 6"10 L 4% 1.4'4 1. L ..4% ..6"/0 .3,4% -3.2% -3,0'/0 Mortgage HighYlakl Irtermediate Creel<< Aggregate GcM.lCrectit Government Backlld Govt./Credl .2nd Quarter I!lIFirst Half I SOu(t;e: Goo$tllting GIOUp E L also a reversal from the prior quarter. Higher- rated sectors likely suffered from the impact of interest rate tightening on interest margins, while specific business developments, such as disappointing auto sales, may have impacted some lower-rated sectors. L i: , ~ r.. I .. The Lehman Aggregate Index - the broadest fixed income benchmark - posted a 2.44% loss for the second quarter, leaving it with a 0.15% gain for the first half. Losses were significantly steeper among longer-dated issues in the second quarter. The Lehman Long Government Credit Index lost 5.27% for the quarter and 0.46% for the half. I ... L L Mortgage-backed securities, on the other hand, generally outperformed in the second quarter, as rising interest rates reduced risks stemming from early repayment of existing loans. The Lehman Mortgage Index lost 1.13% in the second quarter, but finished the first half with a 0.77% gain. Longer-dated maturities drove returns in the mortgage sector. The Lehman Government National Mortgage Association (GNMA) 30- Year Index lost 0.89% in the quarter versus a 1.26% lost for the Lehman GNMA 15- Year Index. t L L L L. High yield issues also fared relatively well, as the continued strength in corporate earnings continued to soothe investors' fears of default. The Lehman High Yield Index lost 0.96% in 1 L. I L. the second quarter, but returned 1.36% in the first half. High yield sectors that did relatively better during the second quarter included Consumer Cyclical (with a 0.70% loss) and Capital Goods (down 0.65%). Both benefited from the improving economy. The Lehman Municipal Index, a broad index of municipal bonds, finished the second quarter 2004 with a 2.4% loss. The yield on the muni index finished the quarter at 4.07%, a 66 basis point increase from the end of the first quarter. This implied a 6.26% taxable- equivalent yield for an investor in the highest federal tax bracket. Municipals continued to have attractive valuations versus U.S. Treasury and agency securities. At the end of June, the Lehman Municipal Long Bond Index was yielding 5.27%, which was 102% of the 30-year Treasury yield (5.18%) and 90% of the 30-year Agency yield (5.86%). The V,S. Economy The second quarter began with a string of strong economic numbers, as job growth accelerated and manufacturing orders strengthened. However, by mid-June evidence of a slowdown became apparent, as orders for durable items, including capital goods, declined and some major chain stores reported softening sales. Government analysts also U.S. GDP Percentage Growth 10% 8% 6% 4% 2% ~, 0% -0,2% ..2% -0,6"10.1.3% 4% 8,2% 4.7% 4,1 o/:.~.,j. 01 01 01 01 02 02 02 02 03 03 03 03 04 Q1 Q2 OJ Q4 Q1 Q2 OJ Q4 Q1 Q2 OJ Q4 Q1 1_ ~arterly Change at Armual Rate -+- Year-Over-Year Change I Soorce: Commerce Department 6 L. L SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 21\(1 Quarter 2004 L Federal Funds Rate I .. 20% 18% 16% 14% 12% 10',{, 8',{, 6% 4',{, 2% 0% .. .... ~ ~ ~ i ~ : = I ~ : : : : g s x ~ ~ : ~ ~ ~ m ~ ~ ~ m ~ ~ ~ ~ 1. i .. I ~ .. SOlIl0ll:FeO,reIRe6lt~8ankolSt.l.J::)uls L trimmed their estimate of economic growth in the first quarter, as a surge in imports cut into domestic production. According to the Commerce Department, Gross Domestic Product expanded at a 3.9% annual rate in the first three months of the year, versus the 4.1 % initially reported. L t .. L. Economists disagreed on the significance of these numbers, although most analysts seemed to view them as welcome signs that the Fed would not need to raise interest rates as quickly or as drastically as some had feared. On the other hand, slower growth led some investors to question whether the rapid gains in corporate earnings seen over the past three quarters would continue in the second half of the year. i ... " L. l For now, however, the profits picture still seems bright. Even as the Commerce Department was lowering reported first- quarter GDP growth, it raised its estimate of corporate earnings. Adjusted for the effect of inflation on corporate depreciation charges and inventory costs, earnings rose more than 32% over the year ending in the first quarter - the fastest rate of growth since 1984. L r.. L L. The employment picture also seemed to brighten in the second quarter, as the economy produced more than 670,000 new jobs. However, job growth appeared to slow L l 60% 50% 40% 30% 20% 10% 0% -10% -20% -30% Corporate Profits Vear Over Vear Percentage Change i-I quarter 2004: +32.3% :: :: ~ ~ ~ := = a1 ;; ~ ~ :; ~ I ~ : ~ g c s a 0) 0) 0) Cb en 0) 0) en en 010 c:n Cb Cb 0) 0) en m coo 0 'II"" 'II"" ,.. 'II"" 'I"" .... _ 'II"" ,.. _ 'II"" or- .... .... _ 'II"" ,... <'l ('Ill C'Iol N SOUlCe- Commerce Department significantly in June while total hours worked declined for the first time since last December. The unemployment rate remained at 5.6%, as the increase in new jobs was roughly matched by the number of new job seekers. With labor market conditions still relatively slack, wage growth was moderate. The average hourly wage rose 2.02% in the year ending in June - little changed from the 1.8% increase seen in 2003. Despite continued moderation in wage gains, faster growth and rising oil prices caused inflation to accelerate slightly in the first quarter. The Consumer Price Index rose roughly 3% in the 12 months ending in May, versus a 1.82% increase in 2003. However, the so-called "core" index, which excludes volatile food and energy prices, rose just 1.76% in the 12 months ending in May, up from a 1.09% gain last year. International Markets International stock markets were mixed in the second quarter, as a rising dollar slightly trimmed returns for U.S.-based investors. The Morgan Stanley Capital International Europe, Australasia and the Far East, or EAFE, Index - a popular benchmark for the major non-U.S. developed markets - returned 0.44% for the quarter in the dollar terms. 7 L L SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 21ld Quarter 2004 .. ~ ... Developed Market Returns In U,S, Dollars w ... 14% 12% 10% 8% 6% 4% 2% 0% -2% -4% -6% 10,8% L I ... Italy Germany France United EAFE Japan Hong Kingdom IIIDEX Kong L I .2nd Quarter . First Half I SoUIl:lEI Morgan SlBnlsy capital lntemalbnal I .. The foreign exchange value of the dollar increased by about 1 %, on balance, during the quarter, but was about 22% below its most recent peak in February 2002 relative to a basket of major countries' currencies and about 11 % below its peak relative to a broader basket of currencies. L L Developed European markets generally outperformed developed Asian markets, as signs of somewhat faster growth in France and Germany partially offset worries about higher oil prices and terrorism. Asian investors, on the other hand, worried about the impact of rising interest rates in both the United States and China. I .. i L. \ 1. The MSCI Europe Index retumed 2.44% for the quarter and 3.40% for the first half in the dollar terms. Gains were tempered late in the quarter, as European investors focused on concerns surrounding the situation in Iraq and other geopolitical uncertainties, China's efforts to slow economic growth and curb inflation, and anticipation of European Central Bank rate increases. i L. L L L The British market, which is the most heavily weighted in the MSCI Europe Index, posted a 1.5% gain in the second quarter. Investors continued to focus on movements by the Bank 1. t Ii. Emerging Market Returns In u,s. Dollars 20% 10'10 0% -10'10 ..20-10 ~20.3"Jq -30'10 Chile Thailand Mexico China EM Brazil Korea Russia INDEX I .2nd Quarter . First Half I Souroe: ~~n SBnley O!Ip/tallntemali::frClI of England and the possibility that U.K. real estate prices may be forming a bubble. The MSCI Asia Index lost 5.34% in dollar terms for the quarter, but still finished the half with a 7.04% gain. The MSCI Japan Index lost 3.82% in the second quarter in dollar terms, due primarily to a modest decline in the value of the Japanese yen. Also contributing significantly to market losses were Japanese banks and brokers, which posted an average drop of nearly 10%. For the first half, however, the Japan Index returned a solid 10.78%. Emerging markets were particularly unnerved by the prospect of higher rates in the United States, and the consequent uncertainty over the strength of future U.S. economic growth. The MSCI Emerging Markets Index posted a dollar loss of 9.57% in the second quarter, leaving it down 0.78% for the first half. The MSCI Latin America Index posted an 8.1 % decline in the second quarter, slightly outperforming the overall Emerging Markets index. Brazil, the largest country in the regional index, lost 12.0%, due in part to a 6.1 % decline in the dollar value of the country's currency, the real. Mexico, the other large country in the regional benchmark, continued its trend of relative outperformance from the past quarter, posting a 4.4% decline. 8 t .. l SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 2nd Quarter 2004 I 1. r ! .. The International Fixed Income Market, as measured by the Lehman M~ors Ex-US Index, lost 3.63% for the quarter, underperforming the domestic US market. Negative returns were driven largely by Australia and New Zealand, which lost 8.74% and 5.70% respectively. This can be largely attributed to monetary policy as both countries remain in tightening cycles. L I .. i .. Emerging markets also reversed course from the prior quarter, as the Lehman Emerging Markets Index posted a 4.88% loss. ~ .. L I t .. .. ~ .. i L t i .. .. I L t .. L L .... 01 '5 110 Q (jj a. ~ 105 >- Source: Federal Reserve Major Exchange Rates First Half 2004 115 100 ~ ~ ! ~ ! ! ~ ! ! ! ! ~ ~ ~ M ~ N ~ N _ N N _ ~ I-+-Yen '-Euro! 1.00 0,95 12 (5 0.90 '2 Q) a. 0.85 e :J 0.80 w 0.75 9 L L L .. L \ L. L L L i ... I ... f L ~ L. [ t .. f L l I .. t L I .. SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 2nd Quarter 2004 U.S. Equity Market Quarterly Performance I Source: Consulting Group 2004 2004- 2003 2003 2003 2003 2002 2002 2002 Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 S&P 500 1.7% 1.7% 12.2% 2.6% 15.4% -3,2% 8.4% -17.3% -13.4% DOW JONES 1.3% -0.4% 13.4% 3,8% 13,1% -3.6% 10,6% -17.4% -10.7% NASDAQ 2,7% -0.5% 12.1% 10.1% 21.0% 0.4% 14.0% -19.9% -20,7% ..' RUSSELL 1000 1.4% 1.9% 12.3% 3.0% 15.7% -2,9% 8.2% -16.9% -13,5% RUSSELL 1000 GROWTH 1.9% 0.8% 10.4% 3.9% 14,3% -1.1% 7,1% -15.1 % -18.7% RUSSELL 1000 VALUE 0,9% 3,0% 14.2% 2,1% 17.3% -4.9% 9.2% -18.8% -8.5% .', ." RUSSELL 2000 0,5% 6.3% 14.5% 9,1% 23.4% -4,5% 6.2% -21.4% -8.4% RUSSELL 2000 GROWTH 0.1% 5.6% 12.7% 10,5% 24,2% -3.9% 7.5% -21,5% -15.7% RUSSELL 2000 VALUE 0,9% 6,9% 16.4% 7.7% 22.7% -5.1% 4.9% -21.3% -2.1 % ." RUSSELL 3000 1,3% 2.2% 12.4% 3.4% 16.3% -3.1% 8.0% -17.2% -13.1% RUSSELL 3000 GROWTH 1.8% 1.1% 10,6% 4.4% 14,9% -1.3% 7.2% -15,5% -18.5% RUSSELL 3000 VALUE 0,9% 3,3% 14.4% 2.5% 17,7% -4,9% 8.9% -19,0% -8,0% " RUSSELL MID-CAP 1.5% 5.1% 14.0% 6.4% 18.3% -2.4% 7,9% -17,6% -9.5% RUSSELL MID-CAP GROWTH 1.1% 4.8% 12,2% 7,2% 18.8% -0.0% 9.2% -17.2% -18,3% RUSSELL MID-CAP VALUE 1,7% 5.3% 15.2% 5.9% 17,9% -4.1% 7,1% -18,0% -4,78% S&P 500 Sector Performance I Source: Vestek Systems ." 2004Q2 FIrst Half Industrials 8.46% 7.37% Energy 7.56% 13.14% Information Technology 2.84% 0.23% Health Care 2.70% 2.14% Materials 2.54% 0.73% Consumer Staples 0.47% 6.13% Consumer Discretionary -0.29% 0.94% Telecomm Service -0.97% 3.99% Utilities -1.29% 3.80% Financials -2.38% 2.38% 10 L l 1. v t ill L t .. L , I .. L 1 .. ! .. L L L I L. L L. ~ ~ ... I .. SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 2,1<1 Quarter 2004 Fixed Income Quarterly Performance I Source: Consulting Group U,$, Fixedll'1come 200.4 2004 2003 2003 2003 2003 2002 2002 2002 Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 LB AGGREGATE -2.4% 2,7% 0.3% -0,1% 2,5% 1.4% 1.6% 4.6% 3.7% LB GOVT/CREDIT -3.2% 3.1% 0.0% -0.5% 3,5% 1.7% 1.7% 5.7% 3.8% LB GOVT -3,0% 2.9% -0.4% -0.8% 2.5% 1.1% 0.7% 6,7% 4.4% LB CREDIT -3.4% 3,3% 0.5% -0,2% 4,8% 2.4% 3.1% 4,5% 2.9% LB INT GOVT /CREDIT -2,5% 2.5% 0.1% -0,0% 2.7% 1.5% 1.7% 4.5% 3,6% LB G/C LONG -5.3% 5.1% -0.3% -2.0% 6.1% 2.1% 1,9% 9.4% 4,3% LB HIGH YIELD -1.0% 2.4% 5.9% 2.8% 10,1% 7.6% 6.7% -2.9% -6.4% LB MORTGAGE BACKED -1.1% 1.9% 0.9% 0,5% 0.7% 0.9% 1.4% 2.7% 3.5% LB MUNI -2.4% 1,7% 1.4% 0.1% 2,6% 1.2% 0,0% 4,8% 3,7% 90 DAY TREASURY BILL 0.3% 0.2% 0,2% 0,2% 0.3% 0.3% 0.3% 0.4% 0.4% = ", InteroationalFixed Income LB MAJORS EX U.S, -3.6% 1.7% 6,6% 2.9% 3.9% 3.6% 5.8% 2,6% 13,8% CITI WORLD GOVT UNHEDGED -3.3% 1.9% 5.2% 2,0% 3.9% 3,1% 4,7% 3,9% 11. 7% CIn NON-US WGB UNHEDGED -3.4% 1.6% 6.7% 2.8% 4.2% 3.7% 6.1% 2,8% 14.0% u.s. Treasury Yield Curve I Source: Federal Reserve Board of Governors 6/30/04 3/31/04 12/31103 9/30/03 6/30/03 3-Month Treasury 1.33% 0.95% 0,95% 0.95% 0.90% 6-Month Treasury 1.68% 1.01% 1.02% 1.01% 0.98% 1- Year Treasury 2.09% 1.20% 1.26% 1. 15% 1.09% 2- Year Treasury 2,70% 1.60% 1.84% 1,50% 1,32% 3- Y ear Treasury 3.16% 1.99% 2.37% 1. 9 5% 1.66% 5- Year Treasury 3,81% 2.80% 3.25% 2,85% 2.46% 7- Year Treasury 4.24% 3.33% 3,77% 3.41% 3.03% 10- Y ear Treasury 4.62% 3.86% 4.27% 3,96% 3,54% 11 L L L SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 21\d Quarter 2004 I ... International Developed Equity Performance Source: Morgan Stanley Capital International U.S. Dollar Local Currency 2004 Q2 First Half 2004 Q2 First Half Regions World Index 1.04% 3,79% 2,06% 4.78% EAFE 0.44% 4,86% 2,63% 6.87% Europe 2.44% 3.40% 3.31% 5,09% North America 1.50% 3,00% 1.59% 3.17% Pacific -3.98% 8.33% 1.10% 11,24% World ex U.S.A. 0,31% 4.64% 2.50% 6.76% National Indices Australia -5,29% 0.63% 3,80% 8,85% Canada -1.80% 0.98% 0.18% 4,77% Finland -19.48% -6.64% -18.67% -3.21% France 4,04% 3.67% 5.09% 7.48% Germany 4.13% -0.49% 5,17% 3,17% Hong Kong -4.50% 1. 73% -4.40% 2.20% Italy 6.73% 6,33% 7,80% 10,24% Japan -3,82% 10,78% 0.88% 12.79% Netherlands 3.90% -0,11 % 4,94% 3,56% New Zealand -1.17% 6.65% 3,61% 10,26% Singapore Free -2.20% 3.42% 0.49% 4,89% Spain 0,74% 1.48% 1. 7 5% 5.21 % Sweden 5.12% 12.72% 5.00% 18.01% Switzerland 2.56% 3.30% 1.39% 4,61% United Kingdom 1.48% 3,32% 2,84% 1.99% I .. ~ L. .. I .. ~ i .. \ L. f .. ; , .. L ~ .. I L. , '- L. \ I ... 12 l .. i i. ! i. SMITH BARNEY CONSULTING GROUP I CAPITAL MARKETS OVERVIEW 2nd Quarter 2004 u i .. Emerging Markets Equity Performance Source: Morgan Stanley Capital International U.S. Dollar Local Currency 2004 Q2 First Half 2004 Q2 First Half Regions Emerging Markets (EM) -9.57% -0,78% -8.18% -1.21 % EM Asia -11.60% -4.09% -9.96% -4,65% EM Latin America -8,05% -1. 50% -4.23% 3,31% EM Europe & Middle East -7.43% 10.07% -6.78% 10,89% NationalIlldices , Argentina -16,89% -7.90% -13,83% -7.06% Brazil -11.95% -12.31% -6.45% -5,87% Chile -0,84% -3.07% 2,28% 4.08% China -7.66% -10.76% -7.56% -10.35% HlU1gary 4.72% 29,80% 6.62% 28.99% India -16.82% -17.96% -11.93% -17.33% Indonesia -4.32% 1. 1 7% 5.05% 12,94% Korea -14.67% 1.63% -14.00% -1.44% Malaysia -9.76% 3.44% -9.76% 3.44% Mexico -4.36% 14.67% -1.26% 17.69% Poland 2.96% 11,63% -1.48% 10,27% Russia -20.25% 3.29% -20,25% 3,29% South Africa -5.77% 2.84% -7,13% -4.29% Taiwan -11.68% -2,71% -9,83% -3,60% Thailand -1.13% -13.48% 2,88% -10.73% Turkey -18,64% -7.95% -8,11 % -2,77% III L .. 1. t f.. ... L [: .. ~. ~~ .. I k .. L Although the statements of fact and data herein have been obtained iI'om, and are based upon, SOllrl'eS the Firm believes reliable, we do not guarantee their accuracy, and any such information may be incomplete or condensed. All opinions included in this report constitute the Firm's judgn-ent as of the date and are subject to change without notice. This is tor informational pUlpOseS only and is not intended as an ofter or solicitation with respect to the purchase or sale of any security. Past performance is not a guaranIee offuture results, $ L. ~ I. There may be additional risks associated with intel11ational investing involving toreign economic, political, monetary andlor legal factors. International investing may not be for everyone, The securities of small-capitalization con'q)anies may be subject to higher volatility than larger, more established companies. Investors may not invest directly in an index. 1.. Smith Barney and Consulting Group are divisions ofCitigroup Global Markets Inc. Smith Barney is a service mark ofCitigroup Global Markets Inc, and its atTiliates and is used and registered throughout the world. CITlGROUP and the Umbrella Devioo are trademarks and service marks ofCiticorp or its atIiliates and are used and registered throughout the world. Citigroup Global Markets Inc. is a member ofthe Securities Investor Protection Corporation (SIPC). 1 .. 13 I I .. III .. L l Ii. .. k. I .. t III ~ r.. L. l.. .. L. L L ... ~ -. L I: E ~ :~ -. '- ... tn - tn >- ..J <C z <C z o - ~ o o ..J ..J <C I- W tn tn <C "<t o o N -. o C'l -. <0 o u.. o en <( W ..J ~ en GIS Q:: W C) c( Z c( :E ~ ..c z o ~ o o ..J ..J c( en en ~ o t- W en en c( ~ ..c z o ~ o o ..J ..J c( W -l c.. ::2: <( en .c ~~ o 0 ...~ (90 O'lN -J .c ~ G~ '0 . ,- 0 :::i:~ E (/) (5 c 2~ COL() E . Q)O> E 0- o -g~0'l ~'E"~ Jg ~ ~.. i2 ~ ~ Q ~ o o ,5:1 ~ CO t))"'-co ~ a ''It ~ :Q ~.. 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