Lipper Leaders
	Rating Time Period
Fund Name/Category	(Number of Funds in Rating Category)
Everest Fund - I & A Classes Large-Cap Value	Overall Rating (9,026 funds)
Short-Term Government Fund - I Class Short U.S. Government	Overall Rating (4,136 funds)
EAFE International Index - I Class Multi-Cap Growth	Overall Rating (117 funds)

Lipper ratings for Total Return reflect funds' historical total return performance relative to peers as of 6/30/08.

Lipper ratings for Consistent Return reflect funds' historical risk-adjusted returns, adjusted for volatility, relative to peers as of 6/30/08.

Lipper ratings for Preservation reflect funds' historical loss avoidance relative to other funds within the same asset class, as of 6/30/08. Preservation ratings are relative, rather than absolute, measures, and funds named Lipper Leaders for Preservation may still experience losses periodically; those losses may be larger for equity and mixed equity funds than for fixed income funds.

Lipper ratings for Expense reflect funds' expense minimization relative to peers with similar load structures as of 6/30/08.

The Lipper ratings are subject to change every month and are based on an equal-weighted average of percentile ranks for the Total Return, Consistent Return, Preservation and Expense metrics over three-, five- and ten-year periods (if applicable). The highest 20% of funds in each peer group are named Lipper Leaders, the next 20% receive a score of 2, the middle 20% are scored 3, the next 20% are scored 4, and the lowest 20% are scored 5. The Everest Fund, in Lipper's Large-Cap Value classification, received the following ratings for the 3- and 5-year periods respectively: Total Return: Lipper Leader (429 funds), Lipper Leader (343 funds); Preservation: Lipper Leader (8,542 funds), Lipper Leader (6,851 funds). The Short-Term Government Fund, in Lipper's Short U.S. Government classification, received the following ratings for the 3- and 5-year periods, respectively: Consistent Return: 2 (78 funds), 2 (69 funds); Preservation: Lipper Leader (4,165 funds), Lipper Leader (3,532 funds). The Nasdaq-100 Fund, in Lipper's Multi-Cap Growth classification, received the following ratings for the 3- and 5-year periods respectively: Expense: Lipper Leader (122 funds), Lipper Leader (96 funds).

Lipper ratings are not intended to predict future results, and Lipper does not guarantee the accuracy of this information. More information is available at www.lipperleaders.com. Lipper Leader Copyright 2008, Reuters, All Rights Reserved.