MDVFS - Disciplined value investing strategy for retirement investments, accounts with Fidelity Investments

Deep Value Fundamental Strategy

MZ Capital's Deep Value Fundamental Strategy ("MDVFS^tm") examines all 9700 public traded stocks in the US market rather than a typically limited basket of stocks and mutual funds.

Most investors simply don’t have the time or expertise to adequately analyze more than about twenty financial statements of companies they are interested in. But our sophisticated computer analysis sifts through all financial statements looking for—and finding—previously hidden under-priced high-value stocks.

Our strategy relies on strict buy/sell rules leaving no room for fly-by-the-seat-of-pants decision-making. Indexing makes sense for many investors. However, for those who want superior and consistent returns, MZ Capital’s Deep Value Fundamental Strategy is a way to achieve consistent results beyond indexing. While past performance is no guarantee of future returns, our scientific disciplined approach has beaten the S&P 500 index every year since inception.

Historical Backtested Returns Actual Net Returns

Year 1998 1999 2000 2001 2002 2003 2004* 2005 2006 2007 2008 YTD**

MDVFS^tm 16.2% 25.1% -0.9% 92.2% -15.9% 110.8% 24.39% 7.98% 32.19% 7.47% -

S&P 500 26.7% 19.5% -10.1% -13% -23.4% 26.4% 8.57% 3.0% 13.62% 3.52% -

For answers to your questions about working with MZ Capital please contact us at 301-519-8029.

* The 2004 return is the return from 9/9/2004 to 12/31/2004. 9/9/2004 is the start date of the first account that implements MDVFS^tm.
** From January to the end of --.

The actual returns are presented based on the first account ($302,000 initial balance) that was invested in exact accordance with our investment strategy MDVFS^tm. All dividends and earnings are reinvested in the account. Actual returns are net of brokerage commissions and a 3% annual management fee. Actual fees may vary. Past performance does not guarantee future results. Results will vary with economic and market conditions, as well as account sizes. Investors may incur a loss despite a past history of gains.

The results indicated as backtested returns do not involve actual trading and do not include transaction costs and other costs associated with actual trading. They are presented to provide general information regarding how the strategy performed in our historical testing.