Amana Trust Income Fund

Transcription

1 Amana Trust Income Fund AMANX GROWTH OF $10,000 Fund Manager (since 1990): Nicholas Kaiser AMANX $21,917 S&P 500 TR $13,335 Category Average $12,432 CURRENT MANAGER $25,000 $22,500 $20,000 $17,500 $15,000 $12,500 $10,000 $7,500 $5,000 This graph represents the growth of a hypothetical investment of $10,000. It assumes reinvestment of dividends and capital gains, and does not reflect sales loads, redemption fees or the effects of taxes on any capital gains and/or distributions. CATEGORY: LARGE BLEND Morningstar Category: Large-blend funds have portfolios that are fairly representative of the overall stock market in size, growth rates, and price. They tend to invest across the spectrum of U.S. industries and owing to their broad exposure, the funds' returns are often similar to those of the S&P 500 Index. PERFORMANCE RETURNS Monthly data This section contrasts AMANX to Cumulative Returns % Annualized Returns % its benchmarks. YTD 3 MO 1 YR 5 YR 10 YR INCEP. 12.5% 10.0% 7.5% 5.0% 2.5% 0.0% -2.5% Amana Trust Income Category Average S&P 500 TR RANK WITHIN CATEGORY FOR ANNUAL TOTAL RETURN % Rank within Category compares this fund's total annual return to that of other funds in the same category, and its figures are not adjusted for load, sales charge, or taxes. TOP 25% BOTTOM 25% RETURN % YTD FUND PROFILE Available at Schwab Yes Inception Date 06/23/1986 Status Open Category Large Blend Index Fund No Fund Company Saturna Portfolio Turnover 3% MORNINGSTAR RATINGS Overall rating 3 year rating 5 year rating 10 year rating Historical Return HIGH RETURN LO HI Historical Risk LOW RISK LO HI The ratings reflect historical risk-adjusted performance and the overall Morningstar Rating is derived from a weighted average of the performance figures associated with fund s 3, 5, and 10 year rating metrics. QUARTERLY AVERAGE ANNUAL TOTAL RETURN 1 Year 1.94% 10 Years 8.16% 5 Years 4.30% Since Incep. 8.11% Numbers are adjusted for possible sales charges, and assume reinvestment of dividends & capital gains over each time period. EXPENSES Gross Expense Ratio (before waivers) 1.21% Net Expense Ratio (after waivers) 1.21% Category Average Expense Ratio 1.22% 12b-1 Fees 0.25 Max Front Load Max Back Load Redemption Fee 2.00 A net expense ratio lower than the gross expense ratio may reflect a cap on or contractual waiver of fund expenses. Please read the fund prospectus for details on limits or expiration dates for any such waivers. FUND COMPARISON This section compares the fund to its benchmarks and alternatives from our Mutual Fund OneSource Select List. FUND NAME (INCEPTION) TICKER RISK LEVEL EXP. RATIO 1 YEAR 3 YEAR 5 YEAR 10 YEAR INCEP. Amana Trust Income (6/86) AMANX Low High Dreyfus S&P 500 Index Fund (1/90) PEOPX Low High American Century Investments Equity Growth Fund Investor Class(5/91) BEQGX Low High Category Average -- Low High S&P 500 TR -- Low High Data and rankings provided by Morningstar. Morningstar proprietary ratings reflect historical risk-adjusted performance. These ratings are subject to change every month. For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund s monthly performance (including the effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. (Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The top 10% of the funds in an investment category receive 5 stars, 22.5% receive 4 stars, 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The overall Morningstar Rating is a weighted average of the funds three-, five-, and 10-year (if applicable) Morningstar rating metrics. To contact Morningstar, Inc. call Performance data quoted represents past performance and does not indicate future results. Visit Schwab.com for month-end performance information. Current performance may be lower or higher. Investment value will fluctuate, and shares when redeemed, may be worth more or less than original cost. Please visit for more recent performance information Charles Schwab & Co., Inc. Page 1 of 2

2 Amana Trust Income Fund AMANX TOP TEN HOLDINGS Category Average 37.86% Top 10 Holdings in AMANX 21.76% Top 10 holdings are 21.76% of the total porfolio assets. The category average percent of portfolio in top 10 holdings is 37.86% PERCENT SYMBOL COMPANY NAME SECTOR OF ASSETS NKE Nike, Inc. B Consumer Discretionary 2.30% XOM Exxon Mobil Corporation Energy 2.29% INTC Intel Corp Information Technology 2.24% LLY Eli Lilly and Company Health Care 2.24% BMY Bristol-Myers Squibb Com.. Health Care 2.17% GWW W.W. Grainger, Inc. Industrials 2.16% CL Colgate-Palmolive Company Consumer Staples 2.14% -- Canadian National Railwa % PG The Procter & Gamble Co Consumer Staples 2.06% PEP PepsiCo Inc Consumer Staples 2.04% Fund holdings subject to change REGIONAL EXPOSURE Top Region North America 84.90% Regional Breakdown North America 84.90% Europe Developed (excluding UK) 5.58% United Kingdom 5.41% Asia Developed (excluding Japan) 3.58% Latin America.31% Australasia.23% Top 5 Countries United States 78.50% Canada 6.01% United Kingdom 5.38% Taiwan 3.32% Switzerland 2.26% SECTOR WEIGHTINGS as of 11/30/2011 Industrials 25.02% Health Care 17.04% Consumer Staples 16.67% Materials 11.50% Energy 8.71% Information Technology 8.47% Consumer Discretionary 6.85% Telecommunication Services 3.16% Utilities 2.56% ASSET BREAKDOWN %Long %Short %Net Domestic Stock Foreign Stock Foreign Bond Cash MARKET CAPITALIZATION Giant Cap 47.37% Large Cap 37.41% Medium Cap 14.77% Small Cap 0.45% This Mutual Fund Report Card is informational in nature and is not a recommendation or solicitation for any person to buy, sell or hold any particular security; nor is it intended to address any individual's investment objectives, financial situation or personal circumstances. We recommend that investors define their goals, risk tolerance, time horizon and investment objectives in addition to researching possible investment choices. Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling Schwab at Please read the prospectus carefully before investing. Sector weightings for fund portfolios are determined using the Global Industry Classification Standard (GICS). GICS was developed by and is the exclusive property of Morgan Stanley Capital International Inc. and Standard & Poor's. GICS is a service mark of MSCI and S&P and has been licensed for use by Charles Schwab & Co., Inc. Government bond fund shares are not guaranteed. Their price and investment return will fluctuate with market conditions and interest rates. Investment income from municipal bond funds may be subject to certain state and local taxes and the federal alternative minimum tax. Capital gains are not exempt from federal income tax. International investing involves special risks such as currency fluctuation and political instability. Investing in emerging markets may accentuate these risks. Small cap funds are subject to greater volatility than those in other asset categories. Due to the limited focus of sector funds, they may experience greater volatility than funds with a broader investment strategy. Except as noted below, all data provided by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for noncommercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resulting from use of the information. Morningstar, Inc., has not granted consent for it to be considered or deemed an "expert" under the Securities Act of With respect to Schwab and Laudus Funds, Charles Schwab Investment Management, Inc. provides the following data: top ten holdings, and, for Schwab and Laudus Mondrian bond funds, credit ratings, average maturity, and 30-day SEC yield. Mutual Fund OneSource funds have no loads and generally have no transaction fees. Funds appearing on the Mutual Fund OneSource Select List are chosen based on a formula that combines risk-adjusted return, total return and expenses. They must be available through Schwab without loads and open to new investors. Charles Schwab receives remuneration from fund companies in the Mutual Fund OneSource Service for record keeping, shareholder services, and other administrative services. Schwab may also receive remuneration from transaction fee fund companies for certain administrative services. Schwab s short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab s Mutual Fund OneSource service (and certain other funds with no transaction fee) and held for 90 days or less. Schwab reserves the right to exempt some funds from this fee, including certain Schwab Funds, which may charge a separate redemption fee, and funds that accommodate short-term trading. Trades in no-load mutual funds available through Schwab s Mutual Fund OneSource service (including Schwab Funds ) as well as certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. For each of these trade orders placed through a broker, a $25 service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Schwab Affiliate Funds include Schwab Funds and Laudus Funds. Schwab Funds and Laudus Funds are advised by Charles Schwab Investment Management, Inc., an affiliate of Charles Schwab & Co., Inc. Schwab Funds and the Laudus MarketMasters Funds are distributed by Charles Schwab & Co., Inc., and the Laudus Funds (except Laudus MarketMasters Funds) are distributed by ALPS Distributors, Inc. The aggregate fees Schwab or its affiliates receive from Schwab Affiliate Funds are greater than the remuneration Schwab receives from other fund companies participating in the Mutual Fund OneSource Service. Charles Schwab & Co., Inc. Member SIPC (0108) 2012 Charles Schwab & Co., Inc. Page 2 of 2

3 Yacktman Focused Fund YAFFX GROWTH OF $10,000 Fund Manager (since 1997): Donald Yacktman YAFFX $29,407 S&P 500 TR $13,335 Category Average $13,041 CURRENT MANAGER $35,000 $30,000 $25,000 $20,000 $15,000 $10,000 $5,000 This graph represents the growth of a hypothetical investment of $10,000. It assumes reinvestment of dividends and capital gains, and does not reflect sales loads, redemption fees or the effects of taxes on any capital gains and/or distributions. CATEGORY: LARGE VALUE Morningstar Category: Large-value funds focus on big companies that are less expensive or growing more slowly than other large-cap stocks. These funds often feature investments in energy, financial, or manufacturing sectors. PERFORMANCE RETURNS Monthly data This section contrasts YAFFX to its Cumulative Returns % Annualized Returns % benchmarks. 12.5% 10.0% 7.5% 5.0% 2.5% 0.0% -2.5% Yacktman Focused Category Average S&P 500 TR RANK WITHIN CATEGORY FOR ANNUAL TOTAL RETURN % Rank within Category compares this fund's total annual return to that of other funds in the same category, and its figures are not adjusted for load, sales charge, or taxes. TOP 25% BOTTOM 25% RETURN % YTD Schwab Mutual Fund OneSource Select List FUND PROFILE Available at Schwab Yes Inception Date 04/30/1997 Status Open Category Large Value Index Fund No Fund Company Yacktman Portfolio Turnover 6.06% MORNINGSTAR RATINGS Overall rating 3 year rating 5 year rating 10 year rating Historical Return HIGH RETURN LO HI Historical Risk ABOVE AVERAGE RISK LO HI The ratings reflect historical risk-adjusted performance and the overall Morningstar Rating is derived from a weighted average of the performance figures associated with fund s 3, 5, and 10 year rating metrics. QUARTERLY AVERAGE ANNUAL TOTAL RETURN 1 Year 7.41% 10 Years 11.39% 5 Years 9.13% Since Incep. 8.82% Numbers are adjusted for possible sales charges, and assume reinvestment of dividends & capital gains over each time period. EXPENSES Gross Expense Ratio (before waivers) 1.27% Net Expense Ratio (after waivers) 1.25% Category Average Expense Ratio 1.26% 12b-1 Fees Max Front Load Max Back Load Redemption Fee 2.00 A net expense ratio lower than the gross expense ratio may reflect a cap on or contractual waiver of fund expenses. Please read the fund prospectus for details on limits or expiration dates for any such waivers. FUND COMPARISON This section compares the fund to its benchmarks. FUND NAME (INCEPTION) TICKER RISK LEVEL EXP. RATIO 1 YEAR 3 YEAR 5 YEAR 10 YEAR INCEP. Yacktman Focused (4/97) YAFFX Low High Category Average -- Low High S&P 500 TR -- Low High Data and rankings provided by Morningstar. Morningstar proprietary ratings reflect historical risk-adjusted performance. These ratings are subject to change every month. For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund s monthly performance (including the effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. (Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The top 10% of the funds in an investment category receive 5 stars, 22.5% receive 4 stars, 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The overall Morningstar Rating is a weighted average of the funds three-, five-, and 10-year (if applicable) Morningstar rating metrics. To contact Morningstar, Inc. call Performance data quoted represents past performance and does not indicate future results. Visit Schwab.com for month-end performance information. Current performance may be lower or higher. Investment value will fluctuate, and shares when redeemed, may be worth more or less than original cost. Please visit for more recent performance information Charles Schwab & Co., Inc. Page 1 of 2

4 Yacktman Focused Fund YAFFX Schwab Mutual Fund OneSource Select List TOP TEN HOLDINGS Category Average 31.85% Top 10 Holdings in YAFFX 56.53% Top 10 holdings are 56.53% of the total porfolio assets. The category average percent of portfolio in top 10 holdings is 31.85% PERCENT SYMBOL COMPANY NAME SECTOR OF ASSETS PEP PepsiCo Inc Consumer Staples 10.80% NWSA News Corp A Consumer Discretionary 10.45% PG Procter & Gamble Co Consumer Staples 8.60% MSFT Microsoft Corporation Information Technology 6.69% BCR C.R. Bard, Inc. Health Care 4.25% CSCO Cisco Systems Inc Information Technology 4.13% SYY Sysco Corporation Consumer Staples 3.32% KO Coca-Cola Co Consumer Staples 3.10% PFE Pfizer Inc Health Care 2.74% USB U.S. Bancorp Financials 2.45% Fund holdings subject to change REGIONAL EXPOSURE Top Region North America 99.43% Regional Breakdown North America 99.43% Japan.57% Top 5 Countries United States 98.24% Canada 1.19% Japan.57% SECTOR WEIGHTINGS as of 09/30/2011 Consumer Staples 38.90% Consumer Discretionary 20.76% Information Technology 17.88% Health Care 14.38% Financials 4.44% Energy 3.63% ASSET BREAKDOWN %Long %Short %Net Domestic Stock Foreign Stock Domestic Bond Cash Other MARKET CAPITALIZATION Giant Cap 56.74% Large Cap 29.00% Medium Cap 14.17% Micro Cap 0.09% This Mutual Fund Report Card is informational in nature and is not a recommendation or solicitation for any person to buy, sell or hold any particular security; nor is it intended to address any individual's investment objectives, financial situation or personal circumstances. We recommend that investors define their goals, risk tolerance, time horizon and investment objectives in addition to researching possible investment choices. Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling Schwab at Please read the prospectus carefully before investing. Sector weightings for fund portfolios are determined using the Global Industry Classification Standard (GICS). GICS was developed by and is the exclusive property of Morgan Stanley Capital International Inc. and Standard & Poor's. GICS is a service mark of MSCI and S&P and has been licensed for use by Charles Schwab & Co., Inc. Government bond fund shares are not guaranteed. Their price and investment return will fluctuate with market conditions and interest rates. Investment income from municipal bond funds may be subject to certain state and local taxes and the federal alternative minimum tax. Capital gains are not exempt from federal income tax. International investing involves special risks such as currency fluctuation and political instability. Investing in emerging markets may accentuate these risks. Small cap funds are subject to greater volatility than those in other asset categories. Due to the limited focus of sector funds, they may experience greater volatility than funds with a broader investment strategy. Except as noted below, all data provided by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for noncommercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resulting from use of the information. Morningstar, Inc., has not granted consent for it to be considered or deemed an "expert" under the Securities Act of With respect to Schwab and Laudus Funds, Charles Schwab Investment Management, Inc. provides the following data: top ten holdings, and, for Schwab and Laudus Mondrian bond funds, credit ratings, average maturity, and 30-day SEC yield. Mutual Fund OneSource funds have no loads and generally have no transaction fees. Funds appearing on the Mutual Fund OneSource Select List are chosen based on a formula that combines risk-adjusted return, total return and expenses. They must be available through Schwab without loads and open to new investors. Charles Schwab receives remuneration from fund companies in the Mutual Fund OneSource Service for record keeping, shareholder services, and other administrative services. Schwab may also receive remuneration from transaction fee fund companies for certain administrative services. Schwab s short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab s Mutual Fund OneSource service (and certain other funds with no transaction fee) and held for 90 days or less. Schwab reserves the right to exempt some funds from this fee, including certain Schwab Funds, which may charge a separate redemption fee, and funds that accommodate short-term trading. Trades in no-load mutual funds available through Schwab s Mutual Fund OneSource service (including Schwab Funds ) as well as certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. For each of these trade orders placed through a broker, a $25 service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Schwab Affiliate Funds include Schwab Funds and Laudus Funds. Schwab Funds and Laudus Funds are advised by Charles Schwab Investment Management, Inc., an affiliate of Charles Schwab & Co., Inc. Schwab Funds and the Laudus MarketMasters Funds are distributed by Charles Schwab & Co., Inc., and the Laudus Funds (except Laudus MarketMasters Funds) are distributed by ALPS Distributors, Inc. The aggregate fees Schwab or its affiliates receive from Schwab Affiliate Funds are greater than the remuneration Schwab receives from other fund companies participating in the Mutual Fund OneSource Service. Charles Schwab & Co., Inc. Member SIPC (0108) 2012 Charles Schwab & Co., Inc. Page 2 of 2

5 American Funds Fundamental Investors Fund Class F-1 AFIFX GROWTH OF $10,000 Fund Manager (since 1984): James Drasdo AFIFX $16,868 S&P 500 TR $13,335 Category Average $12,432 CURRENT MANAGER $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 This graph represents the growth of a hypothetical investment of $10,000. It assumes reinvestment of dividends and capital gains, and does not reflect sales loads, redemption fees or the effects of taxes on any capital gains and/or distributions. CATEGORY: LARGE BLEND Morningstar Category: Large-blend funds have portfolios that are fairly representative of the overall stock market in size, growth rates, and price. They tend to invest across the spectrum of U.S. industries and owing to their broad exposure, the funds' returns are often similar to those of the S&P 500 Index. PERFORMANCE RETURNS Monthly data This section contrasts AFIFX to its Cumulative Returns % Annualized Returns % benchmarks. YTD 3 MO 1 YR 5 YR 10 YR INCEP. 12.5% 10.0% 7.5% 5.0% 2.5% 0.0% -2.5% American Funds Fundamental Invs F Category Average S&P 500 TR RANK WITHIN CATEGORY FOR ANNUAL TOTAL RETURN % Rank within Category compares this fund's total annual return to that of other funds in the same category, and its figures are not adjusted for load, sales charge, or taxes. TOP 25% BOTTOM 25% RETURN % YTD FUND PROFILE Available at Schwab Yes Inception Date 03/15/2001 Status Registered Investment Advisors Only Category Large Blend Index Fund No Fund Company American Funds Portfolio Turnover 32% MORNINGSTAR RATINGS Overall rating 3 year rating 5 year rating 10 year rating Historical Return ABOVE AVERAGE RETURN LO HI Historical Risk ABOVE AVERAGE RISK LO HI The ratings reflect historical risk-adjusted performance and the overall Morningstar Rating is derived from a weighted average of the performance figures associated with fund s 3, 5, and 10 year rating metrics. QUARTERLY AVERAGE ANNUAL TOTAL RETURN 1 Year -1.92% 10 Years 5.37% 5 Years 0.43% Since Incep. 4.67% Numbers are adjusted for possible sales charges, and assume reinvestment of dividends & capital gains over each time period. EXPENSES Gross Expense Ratio (before waivers) 0.66% Net Expense Ratio (after waivers) 0.66% Category Average Expense Ratio 1.22% 12b-1 Fees 0.25 Max Front Load Max Back Load Redemption Fee A net expense ratio lower than the gross expense ratio may reflect a cap on or contractual waiver of fund expenses. Please read the fund prospectus for details on limits or expiration dates for any such waivers. FUND COMPARISON This section compares the fund to its benchmarks and alternatives from our Mutual Fund OneSource Select List. FUND NAME (INCEPTION) TICKER RISK LEVEL EXP. RATIO 1 YEAR 3 YEAR 5 YEAR 10 YEAR INCEP. American Funds Fundamental Invs F-1 (3/01) AFIFX Low High Dreyfus S&P 500 Index Fund (1/90) PEOPX Low High American Century Investments Equity Growth Fund Investor Class(5/91) BEQGX Low High Category Average -- Low High S&P 500 TR -- Low High Data and rankings provided by Morningstar. Morningstar proprietary ratings reflect historical risk-adjusted performance. These ratings are subject to change every month. For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund s monthly performance (including the effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. (Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The top 10% of the funds in an investment category receive 5 stars, 22.5% receive 4 stars, 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The overall Morningstar Rating is a weighted average of the funds three-, five-, and 10-year (if applicable) Morningstar rating metrics. To contact Morningstar, Inc. call Performance data quoted represents past performance and does not indicate future results. Visit Schwab.com for month-end performance information. Current performance may be lower or higher. Investment value will fluctuate, and shares when redeemed, may be worth more or less than original cost. Please visit for more recent performance information Charles Schwab & Co., Inc. Page 1 of 2

6 American Funds Fundamental Investors Fund Class F-1 AFIFX TOP TEN HOLDINGS Category Average 37.86% Top 10 Holdings in AFIFX 19.29% Top 10 holdings are 19.29% of the total porfolio assets. The category average percent of portfolio in top 10 holdings is 37.86% PERCENT SYMBOL COMPANY NAME SECTOR OF ASSETS MRK Merck & Co Inc Health Care 3.17% HD Home Depot, Inc. Consumer Discretionary 3.13% BMY Bristol-Myers Squibb Com.. Health Care 2.13% AAPL Apple, Inc. Information Technology 1.79% VZ Verizon Communications Inc Telecommunication % UNP Union Pacific Corp Industrials 1.63% DOW Dow Chemical Co Materials 1.52% MSFT Microsoft Corporation Information Technology 1.48% PM Philip Morris International,.. Consumer Staples 1.42% GOOG Google, Inc. Information Technology 1.29% Fund holdings subject to change REGIONAL EXPOSURE Top Region North America 82.13% Regional Breakdown North America 82.13% Europe Developed (excluding UK) 8.71% United Kingdom 4.59% Asia Developed (excluding Japan) 2.41% Asia Emerging.85% Australasia.62% Japan.35% Latin America.33% Europe Emerging.01% Top 5 Countries United States 77.96% United Kingdom 4.58% Canada 4.21% France 2.40% Switzerland 2.37% SECTOR WEIGHTINGS as of 09/30/2011 Information Technology 16.54% Consumer Discretionary 13.48% Energy 12.96% Industrials 12.93% Health Care 11.22% Financials 10.37% Materials 8.22% Consumer Staples 7.22% Telecommunication Services 3.65% Utilities 3.42% ASSET BREAKDOWN %Long %Short %Net Domestic Stock Foreign Stock Domestic Bond Convertible Cash Other MARKET CAPITALIZATION Giant Cap 47.61% Large Cap 36.28% Medium Cap 15.56% Small Cap 0.55% This Mutual Fund Report Card is informational in nature and is not a recommendation or solicitation for any person to buy, sell or hold any particular security; nor is it intended to address any individual's investment objectives, financial situation or personal circumstances. We recommend that investors define their goals, risk tolerance, time horizon and investment objectives in addition to researching possible investment choices. Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling Schwab at Please read the prospectus carefully before investing. Sector weightings for fund portfolios are determined using the Global Industry Classification Standard (GICS). GICS was developed by and is the exclusive property of Morgan Stanley Capital International Inc. and Standard & Poor's. GICS is a service mark of MSCI and S&P and has been licensed for use by Charles Schwab & Co., Inc. Government bond fund shares are not guaranteed. Their price and investment return will fluctuate with market conditions and interest rates. Investment income from municipal bond funds may be subject to certain state and local taxes and the federal alternative minimum tax. Capital gains are not exempt from federal income tax. International investing involves special risks such as currency fluctuation and political instability. Investing in emerging markets may accentuate these risks. Small cap funds are subject to greater volatility than those in other asset categories. Due to the limited focus of sector funds, they may experience greater volatility than funds with a broader investment strategy. Except as noted below, all data provided by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for noncommercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resulting from use of the information. Morningstar, Inc., has not granted consent for it to be considered or deemed an "expert" under the Securities Act of With respect to Schwab and Laudus Funds, Charles Schwab Investment Management, Inc. provides the following data: top ten holdings, and, for Schwab and Laudus Mondrian bond funds, credit ratings, average maturity, and 30-day SEC yield. Mutual Fund OneSource funds have no loads and generally have no transaction fees. Funds appearing on the Mutual Fund OneSource Select List are chosen based on a formula that combines risk-adjusted return, total return and expenses. They must be available through Schwab without loads and open to new investors. Charles Schwab receives remuneration from fund companies in the Mutual Fund OneSource Service for record keeping, shareholder services, and other administrative services. Schwab may also receive remuneration from transaction fee fund companies for certain administrative services. Schwab s short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab s Mutual Fund OneSource service (and certain other funds with no transaction fee) and held for 90 days or less. Schwab reserves the right to exempt some funds from this fee, including certain Schwab Funds, which may charge a separate redemption fee, and funds that accommodate short-term trading. Trades in no-load mutual funds available through Schwab s Mutual Fund OneSource service (including Schwab Funds ) as well as certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. For each of these trade orders placed through a broker, a $25 service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Schwab Affiliate Funds include Schwab Funds and Laudus Funds. Schwab Funds and Laudus Funds are advised by Charles Schwab Investment Management, Inc., an affiliate of Charles Schwab & 2012 Co., Inc. Charles Schwab Schwab Funds & Co., and Inc. the Laudus MarketMasters Funds are distributed by Charles Schwab & Co., Inc., and the Laudus Funds (except Laudus MarketMasters Funds) are distributed Page 2 by of 2

7 Amana Trust Growth Fund AMAGX GROWTH OF $10,000 Fund Manager (since 1994): Nicholas Kaiser AMAGX $20,346 S&P 500 TR $13,335 Category Average $11,626 CURRENT MANAGER $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 This graph represents the growth of a hypothetical investment of $10,000. It assumes reinvestment of dividends and capital gains, and does not reflect sales loads, redemption fees or the effects of taxes on any capital gains and/or distributions. CATEGORY: LARGE GROWTH Morningstar Category: Large-growth funds invest in big companies that are projected to grow faster than other large-cap stocks. Most of these funds focus on companies in rapidly expanding industries. PERFORMANCE RETURNS Monthly data This section contrasts AMAGX to Cumulative Returns % Annualized Returns % its benchmarks. 10.0% 5.0% 0.0% -5.0% Amana Trust Growth Category Average S&P 500 TR RANK WITHIN CATEGORY FOR ANNUAL TOTAL RETURN % Rank within Category compares this fund's total annual return to that of other funds in the same category, and its figures are not adjusted for load, sales charge, or taxes. TOP 25% BOTTOM 25% RETURN % YTD FUND PROFILE Available at Schwab Yes Inception Date 02/03/1994 Status Open Category Large Growth Index Fund No Fund Company Saturna Portfolio Turnover 5% MORNINGSTAR RATINGS Overall rating 3 year rating 5 year rating 10 year rating Historical Return ABOVE AVERAGE RETURN LO HI Historical Risk BELOW AVERAGE RISK LO HI The ratings reflect historical risk-adjusted performance and the overall Morningstar Rating is derived from a weighted average of the performance figures associated with fund s 3, 5, and 10 year rating metrics. QUARTERLY AVERAGE ANNUAL TOTAL RETURN 1 Year -1.86% 10 Years 7.36% 5 Years 3.52% Since Incep. 9.85% Numbers are adjusted for possible sales charges, and assume reinvestment of dividends & capital gains over each time period. EXPENSES Gross Expense Ratio (before waivers) 1.14% Net Expense Ratio (after waivers) 1.14% Category Average Expense Ratio 1.32% 12b-1 Fees 0.25 Max Front Load Max Back Load Redemption Fee 2.00 A net expense ratio lower than the gross expense ratio may reflect a cap on or contractual waiver of fund expenses. Please read the fund prospectus for details on limits or expiration dates for any such waivers. FUND COMPARISON This section compares the fund to its benchmarks and alternatives from our Mutual Fund OneSource Select List. FUND NAME (INCEPTION) TICKER RISK LEVEL EXP. RATIO 1 YEAR 3 YEAR 5 YEAR 10 YEAR INCEP. Amana Trust Growth (2/94) AMAGX Low High Glenmede Large Cap Growth Portfolio (2/04) GTLLX Low High Brown Advisory Growth Equity Fund Institutional Share (6/99) BIAGX Low High Category Average -- Low High S&P 500 TR -- Low High Data and rankings provided by Morningstar. Morningstar proprietary ratings reflect historical risk-adjusted performance. These ratings are subject to change every month. For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund s monthly performance (including the effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. (Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The top 10% of the funds in an investment category receive 5 stars, 22.5% receive 4 stars, 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The overall Morningstar Rating is a weighted average of the funds three-, five-, and 10-year (if applicable) Morningstar rating metrics. To contact Morningstar, Inc. call Performance data quoted represents past performance and does not indicate future results. Visit Schwab.com for month-end performance information. Current performance may be lower or higher. Investment value will fluctuate, and shares when redeemed, may be worth more or less than original cost. Please visit for more recent performance information Charles Schwab & Co., Inc. Page 1 of 2

8 Amana Trust Growth Fund AMAGX TOP TEN HOLDINGS Category Average 30.67% Top 10 Holdings in AMAGX 23.25% Top 10 holdings are 23.25% of the total porfolio assets. The category average percent of portfolio in top 10 holdings is 30.67% PERCENT SYMBOL COMPANY NAME SECTOR OF ASSETS AAPL Apple, Inc. Information Technology 3.87% HUM Humana Health Care 2.72% INTU Intuit, Inc. Information Technology 2.26% MNST Hansen Natural Corporation Consumer Staples 2.20% IBM International Business Ma.. Information Technology 2.20% GOOG Google, Inc. Information Technology 2.16% QCOM Qualcomm, Inc. Information Technology 2.09% INTC Intel Corp Information Technology 1.97% PEP PepsiCo Inc Consumer Staples 1.90% JNJ Johnson & Johnson Health Care 1.88% Fund holdings subject to change REGIONAL EXPOSURE Top Region North America 86.23% Regional Breakdown North America 86.23% Europe Developed (excluding UK) 5.85% Latin America 2.20% Asia Emerging 1.89% Japan 1.50% United Kingdom 1.36% Asia Developed (excluding Japan).91% Europe Emerging.07% SECTOR WEIGHTINGS as of 11/30/2011 Information Technology 40.07% Health Care 18.55% Consumer Discretionary 12.00% Industrials 11.42% Consumer Staples 9.80% Materials 3.43% Energy 2.76% Telecommunication Services 1.96% ASSET BREAKDOWN %Long %Short %Net Domestic Stock Foreign Stock Cash MARKET CAPITALIZATION Giant Cap 48.66% Large Cap 25.40% Medium Cap 23.00% Small Cap 2.78% Micro Cap 0.16% Top 5 Countries United States 80.50% Canada 5.72% Switzerland 2.11% India 1.89% Japan 1.49% This Mutual Fund Report Card is informational in nature and is not a recommendation or solicitation for any person to buy, sell or hold any particular security; nor is it intended to address any individual's investment objectives, financial situation or personal circumstances. We recommend that investors define their goals, risk tolerance, time horizon and investment objectives in addition to researching possible investment choices. Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling Schwab at Please read the prospectus carefully before investing. Sector weightings for fund portfolios are determined using the Global Industry Classification Standard (GICS). GICS was developed by and is the exclusive property of Morgan Stanley Capital International Inc. and Standard & Poor's. GICS is a service mark of MSCI and S&P and has been licensed for use by Charles Schwab & Co., Inc. Government bond fund shares are not guaranteed. Their price and investment return will fluctuate with market conditions and interest rates. Investment income from municipal bond funds may be subject to certain state and local taxes and the federal alternative minimum tax. Capital gains are not exempt from federal income tax. International investing involves special risks such as currency fluctuation and political instability. Investing in emerging markets may accentuate these risks. Small cap funds are subject to greater volatility than those in other asset categories. Due to the limited focus of sector funds, they may experience greater volatility than funds with a broader investment strategy. Except as noted below, all data provided by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for noncommercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resulting from use of the information. Morningstar, Inc., has not granted consent for it to be considered or deemed an "expert" under the Securities Act of With respect to Schwab and Laudus Funds, Charles Schwab Investment Management, Inc. provides the following data: top ten holdings, and, for Schwab and Laudus Mondrian bond funds, credit ratings, average maturity, and 30-day SEC yield. Mutual Fund OneSource funds have no loads and generally have no transaction fees. Funds appearing on the Mutual Fund OneSource Select List are chosen based on a formula that combines risk-adjusted return, total return and expenses. They must be available through Schwab without loads and open to new investors. Charles Schwab receives remuneration from fund companies in the Mutual Fund OneSource Service for record keeping, shareholder services, and other administrative services. Schwab may also receive remuneration from transaction fee fund companies for certain administrative services. Schwab s short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab s Mutual Fund OneSource service (and certain other funds with no transaction fee) and held for 90 days or less. Schwab reserves the right to exempt some funds from this fee, including certain Schwab Funds, which may charge a separate redemption fee, and funds that accommodate short-term trading. Trades in no-load mutual funds available through Schwab s Mutual Fund OneSource service (including Schwab Funds ) as well as certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. For each of these trade orders placed through a broker, a $25 service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Schwab Affiliate Funds include Schwab Funds and Laudus Funds. Schwab Funds and Laudus Funds are advised by Charles Schwab Investment Management, Inc., an affiliate of Charles Schwab & Co., Inc. Schwab Funds and the Laudus MarketMasters Funds are distributed by Charles Schwab & Co., Inc., and the Laudus Funds (except Laudus MarketMasters Funds) are distributed by ALPS Distributors, Inc. The aggregate fees Schwab or its affiliates receive from Schwab Affiliate Funds are greater than the remuneration Schwab receives from other fund companies participating 2012 Charles Schwab & Co., Inc. Page 2 of 2 in the Mutual Fund OneSource Service

9 Westcore Trust Select Fund WTSLX GROWTH OF $10,000 Fund Manager (since 2001): William Chester WTSLX $17,267 Russell 2000 TR USD $17,276 Category Average $14,293 CURRENT MANAGER $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 This graph represents the growth of a hypothetical investment of $10,000. It assumes reinvestment of dividends and capital gains, and does not reflect sales loads, redemption fees or the effects of taxes on any capital gains and/or distributions. CATEGORY: MID-CAP GROWTH Morningstar Category: Some mid-cap growth funds invest in stocks of all sizes, thus leading to a mid-cap profile, but others focus on midsize companies. Mid-cap growth funds target firms that are projected to grow faster than other mid-cap stocks, therefore commanding relatively higher prices. Many of these stocks are found in the volatile technology, health-care, and services sectors. PERFORMANCE RETURNS Monthly data This section contrasts WTSLX to Cumulative Returns % Annualized Returns % its benchmarks. YTD 3 MO 1 YR 5 YR 10 YR INCEP. 15% 5% -5% -15% Westcore Select Category Average Russell 2000 TR USD RANK WITHIN CATEGORY FOR ANNUAL TOTAL RETURN % Rank within Category compares this fund's total annual return to that of other funds in the same category, and its figures are not adjusted for load, sales charge, or taxes. TOP 25% BOTTOM 25% RETURN % YTD FUND PROFILE Available at Schwab Yes Inception Date 10/01/1999 Status Open Category Mid-Cap Growth Index Fund No Fund Company Westcore Portfolio Turnover 143% MORNINGSTAR RATINGS Overall rating 3 year rating 5 year rating 10 year rating Historical Return AVERAGE RETURN LO HI Historical Risk AVERAGE RISK LO HI The ratings reflect historical risk-adjusted performance and the overall Morningstar Rating is derived from a weighted average of the performance figures associated with fund s 3, 5, and 10 year rating metrics. QUARTERLY AVERAGE ANNUAL TOTAL RETURN 1 Year % 10 Years 5.61% 5 Years 4.49% Since Incep % Numbers are adjusted for possible sales charges, and assume reinvestment of dividends & capital gains over each time period. EXPENSES Gross Expense Ratio (before waivers) 1.08% Net Expense Ratio (after waivers) 1.08% Category Average Expense Ratio 1.41% 12b-1 Fees Max Front Load Max Back Load Redemption Fee 2.00 A net expense ratio lower than the gross expense ratio may reflect a cap on or contractual waiver of fund expenses. Please read the fund prospectus for details on limits or expiration dates for any such waivers. FUND COMPARISON This section compares the fund to its benchmarks and alternatives from our Mutual Fund OneSource Select List. FUND NAME (INCEPTION) TICKER RISK LEVEL EXP. RATIO 1 YEAR 3 YEAR 5 YEAR 10 YEAR INCEP. Westcore Select (10/99) WTSLX Low High TIAA-CREF Mid-Cap Growth Fund Retail Class(10/02) TCMGX Low High Wasatch Heritage Growth Fund (6/04) WAHGX Low High Category Average -- Low High Russell 2000 TR USD -- Low High Data and rankings provided by Morningstar. Morningstar proprietary ratings reflect historical risk-adjusted performance. These ratings are subject to change every month. For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund s monthly performance (including the effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. (Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The top 10% of the funds in an investment category receive 5 stars, 22.5% receive 4 stars, 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The overall Morningstar Rating is a weighted average of the funds three-, five-, and 10-year (if applicable) Morningstar rating metrics. To contact Morningstar, Inc. call Performance data quoted represents past performance and does not indicate future results. Visit Schwab.com for month-end performance information. Current performance may be lower or higher. Investment value will fluctuate, and shares when redeemed, may be worth more or less than original cost. Please visit for more recent performance information Charles Schwab & Co., Inc. Page 1 of 2

10 Westcore Trust Select Fund WTSLX TOP TEN HOLDINGS Category Average 17.36% Top 10 Holdings in WTSLX 51.18% Top 10 holdings are 51.18% of the total porfolio assets. The category average percent of portfolio in top 10 holdings is 17.36% PERCENT SYMBOL COMPANY NAME SECTOR OF ASSETS FIGXX Fidelity Instl MM Fds Gove % TJX TJX Companies Consumer Discretionary 6.06% CTXS Citrix Systems, Inc. Information Technology 4.96% KSS Kohl's Corp Consumer Discretionary 4.90% R Ryder System Inc Industrials 4.78% TTWO Take-Two Interactive Soft.. Information Technology 4.71% VAR Varian Medical Systems, Inc. Health Care 4.63% MXIM Maxim Integrated Products Information Technology 4.62% ENDP Endo Pharmaceutical Hold.. Health Care 4.50% HP Helmerich & Payne, Inc. Energy 4.41% Fund holdings subject to change REGIONAL EXPOSURE as of 10/31/2011 Top Region North America % Regional Breakdown North America % SECTOR WEIGHTINGS as of 10/31/2011 Information Technology 33.46% Consumer Discretionary 27.43% Health Care 18.78% Energy 8.59% Financials 6.56% Industrials 5.17% ASSET BREAKDOWN as of 10/31/ %Long %Short %Net Domestic Stock Cash MARKET CAPITALIZATION as of 10/31/2011 Large Cap 25.20% Medium Cap 63.89% Small Cap 10.91% Top 5 Countries United States % This Mutual Fund Report Card is informational in nature and is not a recommendation or solicitation for any person to buy, sell or hold any particular security; nor is it intended to address any individual's investment objectives, financial situation or personal circumstances. We recommend that investors define their goals, risk tolerance, time horizon and investment objectives in addition to researching possible investment choices. Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling Schwab at Please read the prospectus carefully before investing. Sector weightings for fund portfolios are determined using the Global Industry Classification Standard (GICS). GICS was developed by and is the exclusive property of Morgan Stanley Capital International Inc. and Standard & Poor's. GICS is a service mark of MSCI and S&P and has been licensed for use by Charles Schwab & Co., Inc. Government bond fund shares are not guaranteed. Their price and investment return will fluctuate with market conditions and interest rates. Investment income from municipal bond funds may be subject to certain state and local taxes and the federal alternative minimum tax. Capital gains are not exempt from federal income tax. International investing involves special risks such as currency fluctuation and political instability. Investing in emerging markets may accentuate these risks. Small cap funds are subject to greater volatility than those in other asset categories. Due to the limited focus of sector funds, they may experience greater volatility than funds with a broader investment strategy. Except as noted below, all data provided by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for noncommercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resulting from use of the information. Morningstar, Inc., has not granted consent for it to be considered or deemed an "expert" under the Securities Act of With respect to Schwab and Laudus Funds, Charles Schwab Investment Management, Inc. provides the following data: top ten holdings, and, for Schwab and Laudus Mondrian bond funds, credit ratings, average maturity, and 30-day SEC yield. Mutual Fund OneSource funds have no loads and generally have no transaction fees. Funds appearing on the Mutual Fund OneSource Select List are chosen based on a formula that combines risk-adjusted return, total return and expenses. They must be available through Schwab without loads and open to new investors. Charles Schwab receives remuneration from fund companies in the Mutual Fund OneSource Service for record keeping, shareholder services, and other administrative services. Schwab may also receive remuneration from transaction fee fund companies for certain administrative services. Schwab s short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab s Mutual Fund OneSource service (and certain other funds with no transaction fee) and held for 90 days or less. Schwab reserves the right to exempt some funds from this fee, including certain Schwab Funds, which may charge a separate redemption fee, and funds that accommodate short-term trading. Trades in no-load mutual funds available through Schwab s Mutual Fund OneSource service (including Schwab Funds ) as well as certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. For each of these trade orders placed through a broker, a $25 service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Schwab Affiliate Funds include Schwab Funds and Laudus Funds. Schwab Funds and Laudus Funds are advised by Charles Schwab Investment Management, Inc., an affiliate of Charles Schwab & Co., Inc. Schwab Funds and the Laudus MarketMasters Funds are distributed by Charles Schwab & Co., Inc., and the Laudus Funds (except Laudus MarketMasters Funds) are distributed by ALPS Distributors, Inc. The aggregate fees Schwab or its affiliates receive from Schwab Affiliate Funds are greater than the remuneration Schwab receives from other fund companies participating in the Mutual Fund OneSource Service. Charles Schwab & Co., Inc. Member SIPC (0108) 2012 Charles Schwab & Co., Inc. Page 2 of 2