As a Citizens Advisers, Inc. separately managed account client you will have access to Citizens separately managed account strategies. We offer investment strategies covering a variety of market capitalization ranges and objectives, including the following:

Asset Allocation/Balanced Accounts
Your Citizens Advisers portfolio manager will determine a stock/bond allocation. Assets will then be invested based on the mandate agreed upon by yourself and your portfolio manager.

Large-cap Core Growth Equity Accounts
Focusing on the growth companies that have made the American economy strong, this strategy invests mainly in what we believe are high-quality large-cap stocks of U.S. companies. The strategy is designed to give investors diversified exposure to large-cap growth stocks with the objective of long-term capital appreciation.

Mid-cap Growth Equity Accounts
Seeks aggressive growth through investments primarily in mid-cap companies. The strategy may be appropriate for investors who can accept the additional risk of an aggressive growth strategy that invests in developing companies in exchange for the potential benefits of investing in these types of dynamic firms.

Small-cap Core Growth Equity Accounts
Invests mainly in small-cap U.S. companies that we believe are poised for earnings growth and have the potential to be market leaders in their sectors. The strategy may be appropriate as a core holding for long-term investors seeking to allocate assets to an actively managed small-cap growth strategy.

Value Equity Accounts
Primarily investing in large-cap U.S. equities, the strategy utilizes a value-based investment approach and seeks undervalued, well-managed companies believed to outperform the market over the long term. The strategy may be an appropriate option for long-term investors.

For fees and expenses associated with separate accounts, please call Institutional Services at 603.436.1513 for more information. Separate accounts are offered by Citizens Advisers, Inc.