EIGHT WAYS TO ACCUMULATE FUTURE VALUE CHART      
    The Power Of Time And Compounding  
       
      Current Age:    
      Age At Retirement: 65   Years Until Retirement: 0.25%  
      Annual Contribution:     Or, if retiring at age 70: 0.50%  
      Age At Retirement:     Years Until Retirement:   0.75%  
      1.00%    
      Let's Look At 8 Different Ways Your Contribution Could Grow With Compound Interest 1.25%    
      1.50%    
      Piggybank Passbook Savings Tax Free Bonds Tax Def. Annuity Tax Def. Annuity Tax Def. Annuity Stock Market Stock Market 1.75%    
      0%
    2.00%    
      2.25%    
      2.50%    
      2.75%    
      And Here's How That Same Investment Will Look With A Total Of 10 Years Of Contributions: 3.00%    
      3.25%    
      Age 65 Age 65 Age 65 Age 65 Age 65 Age 65 Age 65 Age 65 3.50%    
      3.75%    
      Age 70 Age 70 Age 70 Age 70 Age 70 Age 70 Age 70 Age 70 4.00%    
      4.25%    
        4.50%    
      And Here's How That Same Investment Will Look With Continuing Contributions: 4.75%    
        5.00%    
      Age 65 Age 65 Age 65 Age 65 Age 65 Age 65 Age 65 Age 65 5.25%    
      5.50%    
      Age 70 Age 70 Age 70 Age 70 Age 70 Age 70 Age 70 Age 70 5.75%    
      6.00%  
        6.25%  
     
     
       
      © 2010-2011 Interstate Specialty Marketing, Inc. All rights reserved. 6.50%  
      ISM, 17722 Irvine Blvd. Tustin, CA 92780 • 1-800-488-1474 6.75%  
          7.00%  
      THE STOCK MARKET PERFORMANCE FIGURES SHOWN ARE AVERAGES, AND NOT BASED UPON ANY PARTICULAR INVESTMENT. THIS IS PREPARED FOR ILLUSTRATIVE AND EDUCATIONAL PURPOSES. AND IS NOT A SOLICITATION OR AN OFFER TO PARTICIPATE IN ANY INVESTMENT. AS OF July 2008 THE ABOVE PAST PERFORMANCE FIGURES AND INTEREST RATES ARE CONSISTENT WITH THOSE PUBLISHED IN MEDIA AVAILABLE TO THE GENERAL PUBLIC. 7.25%  
      7.50%  
      7.75%  
      8.00%  
      8.25%