10 Example is based on a hypothetical debt structure and is for illustrative purposes only. Individual family debt structures vary widely based upon various factors and financial scenarios (i.e.: interest rates, principal balances, hidden fees, and risks vary). The illustrated rate of 8% is hypothetical and not based on any actual investment or specific product. It does not reflect the risk, expenses, or charges connected with any particular investment—but is provided for illustrative purposes ONLY.

11 Example is based upon a hypothetical debt structure and is for illustrative purposes only. Individual family debt structures vary widely based upon various factors and financial scenarios (i.e.: interest rates, principal balances, hidden fees, and risks vary).

12 Example is based on hypothetical mortgage refinance and is for illustrative purposes only (i.e.: assumes estimated closing costs, interest rate and savings are realized and applied as indicated and debt level is not otherwise increased). Individual family debt refinancing will be subject to specific loan qualification requirements, availability and other applicable market terms and conditions.

13 The illustrated rate of 8% is hypothetical, and is not based on any actual investment or product. It does not reflect the risks, expenses, or charges connected with any particular investment but is for illustrative purposes only.