5.11% Russell 3000 2.00% 4.48% MSC I - Europe, Australia & Far East -O.11 % -8.96% Barclays Capital U.S. Aggregate Bond Index 0.60% -1.79% Yournnandol Advisor- SCOTT STACK MANLYLE CASRIEL • Cash and money balances may include available cash balances. VBS Bank USA deposit account, VBS FDIC Insured