Auto Choice Asset Allocation

Investment Options for All Citizen Subscribers-Continued

Active Choice		Auto Choice
Asset Class	Cap on Investment	Life Cycle Fund Type
Equity (E)	75%	Aggressive Life Cycle Fund	LC-75
Corporate Bonds (C)	100%	Moderate Life Cycle Fund (Default)	LC-50
Government Securities (G)	100%	Conservative Life Cycle Fund	LC-25
Alternate Investments (A)	5%

Age	Aggressive Life Cycle Fund (LC-75)			Moderate Life Cycle Fund (LC-50)			Conservative Life Cycle Fund (LC-25)
	Asset Class (in %)			Asset Class (in %)			Asset Class (in %)
	E	C	G	E	C	G	E	C	G
Up to 35 years	75	10	15	50	30	20	25	45	30
36 years	71	11	18	48	29	23	24	43	33
37 years	67	12	21	46	28	26	23	41	36
38 years	63	13	24	44	27	29	22	39	39
39 years	59	14	27	42	26	32	21	37	42
40 years	55	15	30	40	25	35	20	35	45
41 years	51	16	33	38	24	38	19	33	48
42 years	47	17	36	36	23	41	18	31	51
43 years	43	18	39	34	22	44	17	29	54
44 years	39	19	42	32	21	47	16	27	57
45 years	35	20	45	30	20	50	15	25	60
46 years	32	20	48	28	19	53	14	23	63
47 years	29	20	51	26	18	56	13	21	66
48 years	26	20	54	24	17	59	12	19	69
49 years	23	20	57	22	16	62	11	17	72
50 years	20	20	60	20	15	65	10	15	75
51 years	19	18	63	18	14	68	9	13	78
52 years	18	16	66	16	13	71	8	11	81
53 years	17	14	69	14	12	74	7	9	84
54 years	16	12	72	12	11	77	6	7	87
55 years	15	10	75	10	10	80	5	5	90