12/30/2008

OFDA Master Trust Update

Stephen J. Gehlert, OFDA Executive Director

Despite an unusually volatile market in 2008, the Master Trust continues to protect your pre-need investment with a minimum crediting rate that is unique, safe and extremely valuable in today's economy.

As you are aware, the purpose of our Managed Account Program, introduced in 2007, is to protect your pre-need investment by offering a minimum crediting rate PLUS the ability to capture greater growth in an up market cycle.

Beginning January 1, 2009, the minimum crediting rate for the master trust is 3% compounded. Remember your actual payout will be the greater of the actual market value or the minimum crediting rate value.

This means you will continue to enjoy greater earning potential from a Trust that has featured consistent returns despite low performing markets.