401(k) Changes to DBA Plan, pg. 4

Compare Smith Barney Fee with Other Providers

Period: 1 June 1996 thru 31 May 1999
Funds
- 25% each Large Growth, Small Growth, and Large Value
- 15% International
- 5% each Money Market, Corporate Bond
Smith Barney fees include an advisory capability
- The TRAK program can legally give advice on how an individual
  should invest his funds
- None of the other providers chose to offer this service
  (they were allowed to offer it, but not allowed to charge for it)

3-Year Raw Numbers

Performance Fee Annual
Fee Loss

Smith Barney TRAK $33.984 $1,243 1.22%

Provider #1 $44,700 $636 0.47%

Provider #2 $41,419 $728 0.59%

Provider #3 $37,974 $599 0.53%

Provider #4 $35,982 $343 0.32%

Provider #5 $37,757 $586 0.52%

Provider #6 $39,257 $654 0.56%

The Annual Fee Loss column is computed by
fee/performance/3 * 100%.

Published by Lotus® Freelance Graphics®

Authored by Rich Franzen

3-Year Raw Numbers
	Performance	Fee	Annual Fee Loss
Smith Barney TRAK	$33.984	$1,243	1.22%
Provider #1	$44,700	$636	0.47%
Provider #2	$41,419	$728	0.59%
Provider #3	$37,974	$599	0.53%
Provider #4	$35,982	$343	0.32%
Provider #5	$37,757	$586	0.52%
Provider #6	$39,257	$654	0.56%
The Annual Fee Loss column is computed by `fee/performance/3 * 100%`.