15 The "Rule of 72" is a common mathematical formula that approximates the time period required to double a principal amount at a fixed rate of return. Actual rates vary over time and the rule of 72 numbers shown are for illustration purposes and should not be construed to infer the rate of return associated with any particular financial product.

16 The "Retirement Goal" chart assumes a total tax liability of 35% and shows a rate of return not based on any actual investment, but is for illustrative purposes only.

17 Note: This chart does not reflect the past or future performance of any particular financial product (Data 1926-2007) and is for illustrative purposes only. The data assumes the reinvestment of all income and does not consider account expenses such as transaction costs or taxation. The average return represents a compound annual return. Government bonds and Treasury bills are guaranteed by the full faith and credit of the United States government as to the timely payment of principal and interest. Bonds are typically intended to provide income and/or diversification. U.S. government bonds may be exempt from state taxes and income is taxed as ordinary income in the year received. With government bonds, the investor is a creditor of the government. Stocks are not guaranteed and are more volatile than the other asset classes. Large company stocks provide ownership in corporations that intend to provide growth and/or current income. Small company stocks provide ownership in corporations that intend to seek high levels of growth. Small company stocks are more volatile than large company stocks and are subject to significant price fluctuation, business risks, and are thinly traded. Capital gains and dividends received may be taxed in the year received. Underlying data is from the Stocks, Bonds, Bills and Inflation® (SBBOII®) Yearbook, by Roger G. Ibbotson and Rex Sinquefield updated annually. An investment cannot be made directly in an index. Also, past performance is never a guarantee of future results.

SOURCE: Small Company Stocks—represented by the fifth capitalization of quintile stocks on the NYSE for 1926-2007 and the performance of the Dimensional Fund Advisors, Inc (DFA) U.S. Micro Cap Portfolio thereafter; Large Company Stocks— Standard and Poor’s (S&P) 500®, which is an unmanaged group of securities and considered to be representative of the stock market in general; Government Bonds—20 year U.S. Government Bond; Treasury Bill; Inflation—Consumer Price Index.