1. financial myths for women… demystified

4. general planning/ preparing for the future

6. truth… Power of Time and the Magic of Compounding * Chart assumes 7% growth for illustrative purposes. These figures are not intended to indicate the performance of any specific investments. Taxes and fees were not taken into consideration. $500,000 $500,000 $500,000 $500,000 $500,000 $500,000 Total Value $217,701 $270,977 $315,905 $353,311 $384,070 $409,095 Growth * $282,299 $1,568 15 50 Hypothetical Example Age Years Until 65 Monthly Contribution Total Contribution 25 40 $189 $90,905 30 35 $276 $115,920 35 30 $407 $146,689 40 25 $614 $184,090 45 20 $954 $229,023

11. truth… Cash or cash equivalents (cash, T-bills, CDs) You receive a $1,000 tax deduction Charitable organization receives $1,000 You gift cash Appreciable assets (stocks, bonds, mutual funds shares, other securities) You purchase $1,000 of an investment years ago Shares appreciate to current market value of $1,500 You gift shares Charitable organization receives $1,500 investment Assumes maximum annual limit on income tax deduction allowable for charitable contributions is not yet met. Typically, you get a $1,500 tax deduction (without paying income tax on the $500 appreciation). Can sell or reinvest. Not subject to capital gains tax.

13. money and relationships/ strategies with your best interest in mind

17. The hypothetical example on the previous slide is for illustrative purposes only. The 8% return is not intended to reflect the actual performance of any product or investment. Neither investment reflects any withdrawal charges, administration charges or investment management fees. Variable annuities impose withdrawal charges based on a particular product’s surrender charge schedule. Annual administration and mortality and expense risk charges are generally applied to assets in a product’s investment options or sub-accounts. If these fees and charges would have been reflected in the chart above, the ending values would have been lower. Lower maximum tax rates on capital gains and dividends would make the taxable account returns more favorable compared to the tax deferred account, thereby reducing the difference in performance between the accounts. Changes in tax rates and tax treatments of investment earnings may impact the comparative results and investors should consider their personal time horizon and income tax bracket, both current and anticipated when making an investment decision as these may further impact the results of the comparison.

22. insurance strategies/ protecting yourself and your loved ones

28. investment strategies/ smart choices, smart investors

34. retirement planning/ living the retirement of your dreams

41. estate planning/ preserve more of your hard earned assets

44. truth… Net to heirs without using the Unified Credit Decedent’s Taxable Estate $7,000,000 All to Surviving Spouse Hypothetical example: Tax savings: $1,575,000 * Assumes both spouses die in 2009, when the applicable exclusion amount is equal to $3,500,000. Other deductions and/or credits which are not shown that may be available. Surviving Spouse’s Taxable Estate $7,000,000 Net to heirs with Unified Credit Planning Decedent’s Taxable Estate $7,000,000 Surviving Spouse’s Taxable Estate $3,500,000 Non-Marital Trust $3,500,000 IRS $1,575,000* Children $5,425,002 Children $7,000,000

50. thank you!