In the current economic environment with its ever broadening horizons, we recognize the need to carefully define The Foundation's investment process. We have five overriding principals that govern our decision making. They are:

• Asset allocation is the most important decision made in structuring any portfolio.

• Downsize protection is more important than upsize participation.

• Transparency is essential.

• Limiting fees is integral to our process.

• Investments are socially screened by Christian/Biblical standards.
  

Investment Terms:

• Balanced Fund Target - Asset Allocation: The balanced fund is a long-term investment for individuals, churches, and endowments that require annual spending and real growth.

• Fixed Emphasis Fund Target - Asset Allocation: The Fixed Emphasis Fund is designed for long-term investors whose first priority is income.

• Equity Fund Target - Asset Allocation: The Equity Fund is a core-satellite portfolio designed to be fully invested in long-term only stocks from U.S. and international companies.

• Bond Fund - Allocation: The Bond Fund in invested in intermediate term Government and Corporate fixed income securities. The Bond Fund benchmark will be the Barclays Capital Intermediate Government/Credit Index.