Regional Bank Fund (FRBAX)

Asset Mix (%)
as of 8/31/10

Market Characteristics
as of 7/31/10

Source: Morningstar, Inc.

Alpha measures the difference between a fund's actual returns and its expected performance, given its level of risk. A positive alpha figure indicates the fund has performed better than its beta would predict.

Beta measures a fund's sensitivity to market movements. A fund with a 1.10 beta is expected to perform 10% better than the market in up markets and 10% worse in down markets.

R-squared measures how closely a fund's performance correlates with the performance of a benchmark index. An R-squared of 100 means that a fund's performance is perfectly correlated with the benchmark index.

Standard deviation measures performance fluctuation — generally the higher the standard deviation, the greater the expected volatility of returns. These measures of past risk are not completely or necessarily representative of future risk and cannot predict a fund’s performance.

All data is based on the 3-year period and is calculated using the S&P Composite 1500 Banks Index. The S&P Composite 1500 Banks Index is an unmanaged index of banking sector stocks in the S&P 1500 Index.