Mutual Funds With a Loving Ethic & Prudent Spirit

"Ethics and spiritual principles should be the basis of everything we do in life. All that we say, all that we think. Every activity should be based on that, including selection of investments. You wouldn't want to be the owner of a company that is producing harm for the public, and therefore, you wouldn't want to be the owner of a share of a company that is producing harm for the public. We should all give great attention to that, and probably it will be profitable to you, because companies that are harmful ordinarily do not prosper for very long. You will be better off with companies that are truly beneficial. They will go up more in price and grow more rapidly.

Sir John M Templeton

A Universe Of Funds With A Loving Ethic & Prudent Spirit

From Gary Moore & Co.

Equity and balanced funds covered by the Morningstar Mutual Funds service that have an ethic and a 3-year track record. Listed by approximate size, from largest to smallest. Provided for general information only. Should not be considered a list of recommended funds. See prospectus for complete details.

Fund	Ethic
Washington Mutual	ATG
Templeton Growth	ATG
Templeton Foreign	ATG
American Mutual	AT
Templeton World	ATG
Pioneer Fund	ATG
Brandywine	ATG
Pioneer Growth	ATG
Lutheran Bro. Fund	ATG
Pioneer Mid-Cap. Val.	ATG
Pioneer Mid-Cap	ATG
Pax World Fund	ATGW
Pioneer Eq. Income	ATG
Domini Soc. Equity	ATGWNP
Calvert Social. Bal.	ATGNW
Templeton Glb. Opts.	ATG
Pioneer Europe	ATG
Smith Barney Soc. A.	N/A
Parnassus	ATGN
Citizen's Global	ATWP
Citizen's Emg. Gro.	ATWP
Calvert World Value	ATWNP
Lutheran Bro. Oppt.	ATG
Ariel	TWN
Neu. & Ber. Soc. Res.	ATGWN

Codes:

Codes: Risk, return and over-all star rankings are from a low of 1 to a high of 5. Annual return numbers are from the 11-21-00 issue of Morningstar, which evaluated them through 10-31-00.

Ethics code:

A indicates the fund generally avoids companies primarily engaged in the alcoholic beverage industry; T is tobacco; G is casino gambling; W is weapons manufacturing; N is nuclear power; and P indicates the fund watches for positive attributes of one nature or the other.

Toll free 800 numbers for funds not highly covered by Morningstar: Lutherans might call the AAL Funds at 225.5225 or Lutheran Brotherhood at 328.4552; Presbyterians might call the New Covenant funds at 858.6127; Catholics might call the Aquinas funds at 877.278.4627 or Catholic Values at 888.974.4486; Mennonites might call MMA at 977.2947; conservative Christians might call the Timothy Plan at 846.7526 or the Noah Fund at 794.6624 or the Shepherd Funds at 877.638.2766; Islamic investors might call Amana at 728.8762; Christian Scientists might call 385.7003.