The objective of the U.S. Equity Index Fund is to provide long-term growth of capital and to keep pace with or exceed the rate of inflation over time. There is no guarantee that these objectives will be met.

This fund invests in stocks that mirror the Wilshire 5000 index, a widely recognized benchmark of overall U.S. stock performance tracking over 7,000 U.S. Stocks traded on the three major U.S. exchanges (NYSE, AMEX and the NASDAQ). The fund will be broadly representative of the U.S. equity market and hold stocks (equities) of both large, well established companies, as well as those of smaller companies. Because it seeks to mirror, rather than outperform, the broad market, its style of investing is passive. This means that fund managers do not choose between stocks on the basis of which stocks are likely to perform better or worse than others. Although the fund seeks to track the Wilshire 5000 index, its results will be slightly lower due to investment and administration fees. The net return will be result of general market performance, less investment and administration fees.

Opportunities

The objective of the U.S. Equity Index Fund is to provide long-term growth of capital and to keep pace with or exceed the rate of inflation over time. While there is no guarantee that these objectives will be met, historically, over long periods of time, the U.S. Equity (stock) market has tended to provide higher returns than other investments, such as bonds or money market.

Risks

All securities investments risk the loss of capital. Since this fund is invested entirely in stocks, the chance of losing a percentage of your original investment is much higher than with some other investment options.

The stock market can be volatile. Over long periods of time investors may enjoy higher returns than other options. However, investors can also lose more money than in some other options. Sharp and unpredictable changes in value, either positive or negative, can be especially acute over shorter periods of time.

If you are not comfortable with any of these risks, we suggest you choose another option.

			TOTAL RETURN AS OF MARCH 11, 2010
FUND	Price		1 Day	Year to Date	1 Year	3 Years	5 Years	Since Inception*
US Equity Index Fund	$10.39		0.39%	4.26%	66.59%	-4.03%	1.67%	0.38%
			*The inception date is February 1, 2000.

From time to time MMBB contracts with one or more external managers to execute the stated strategy for this investment option. Recently the roster for this investment option included:

Vanguard

As of December 31, 2009 annual expenses totaled 0.43%. The total investment return shown includes expenses.