Sample Envision Plan by New York Capital Strategies

December 06, 2011

Envision Full Sample Presentation with Scenarios & Survivor Needs Prepared for: Jim and Susan Taylor Prepared by: Financial Advisor Wells Fargo Advisors 1 N. Jefferson Ave. St. Louis, MO 63103

Note: This is a sample report and does not contain actual client data and/or securities information.

This report is not complete unless all pages, as noted, are included. Please read the information in 'Disclosures' found within this report for an explanation of the terms and concepts presented in this report. Envision is not a financial plan. It does not include advanced wealth planning strategies such as estate and tax planning. It also does not include detailed cash flow, real estate and business analyses. Envision is an investment planning tool designed to monitor changes in markets and life goals based on regular involvement and updates by you and your Financial Advisor. You should not base major life decisions, such as retirement and spending goals, solely on Envision investment plan results. The Envision Process and delivery of this report do not create an advisory relationship between the firm and you. This is a preliminary report. It may not accurately reflect your current situation and life goals. It is intended as a discussion document. Your Financial Advisor can work with you to create or modify an Investment Plan to specifically suit your needs. Investment and Insurance Products:

NOT FDIC Insured NO Bank Guarantee MAY Lose Value This Report is prepared by your Financial Advisor using software provided by Wells Fargo Advisors.

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Table Of Contents

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Cover Page

The Envision Process

Net Worth Statement

Net Worth By Type Graph

Net Worth By Person Graph

Insurance Summary

Liabilities Summary

Envision Action Plan Review - Client Notes

Profile Summary Data

Your Goals

Your Priorities

The Investment Plan Result

Investment Plan Result for Your Goals

Recommended Investment Plan

Achieving Your Goals

Sensitivity Analysis

Current vs. Strategic Allocation Plan Results

Monitoring Your Recommended Investment Plan

Target Zone-Long Term

Sources of Funding

Goal Funding Summary - Recommended Investment Plan

Scenario Comparison

Survivor Needs Results

Long-Term Care Comparison

Introduction to Estate Planning

Understanding the Federal Estate Tax

Strategic Allocation Investment Objectives

The Strategic Allocations

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Jim & Susan Current vs Strategic Allocation - Asset Class

Current vs Strategic Allocation - Asset Class Type

Current vs Strategic Allocation - Asset Class Sub Type

Current vs Strategic Allocation - Asset Class Detail

Current vs Strategic Allocation - Asset Class Detail with Securities

Current vs Strategic Efficient Frontier

Account Summary

Range of Simulation Possible Outcomes

Growth Detail Graph

Growth Detail Percentile Rankings

Total Investment Plan Target Values - Recommended Investment Plan

Target Investment Plan Tax Treatment - Recommended Investment Plan

Target Taxable Investment Plan Value - Recommended Investment Plan

Target Tax Advantaged Investment Plan Values - Recommended Investment Plan

Summary of Cash Flows - Recommended Investment Plan

Cash Flow Detail - Contributions - Recommended Investment Plan

Cash Flow Detail - Income from Other Sources - Recommended Investment Plan

Cash Flow Detail - Withdrawals - Recommended Investment Plan

Investment Plan Assumptions

Disclosures

Portfolio Summary

102

Portfolio Summary - Security Detail

103

Portfolio Diversification

105

Realized Gain and Loss

106

Realized Gain and Loss - Security Detail

107

Unrealized Gain and Loss

108

Unrealized Gain and Loss - Security Detail

109

Initial Investment (Gain/Loss) - Position

112

Initial Investment (Gain/Loss) - Lot

114

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Jim & Susan Equity Overview

116

Equity Sector Weightings

117

Equity Sector Weightings - Security Detail

118

Stock Statistics

122

Stock Statistics - Security Detail

124

Stock Ratings

126

Stock Returns

128

Stock Returns - Security Detail

129

Funds Performance

130

Understanding Your Portfolio

134

Implementation Plan - Summary - Asset Class Sub Type

137

Implementation Plan - Account Detail - Asset Class Sub Type

140

Market Commentary

142

Standardized Returns

144

Fact Sheet Disclosures

146

Fact Sheets

148

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The value of the conversation The Envision® process

IMPORTANT: The projections or other information Envision generates regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. Envision methodology, selection criteria and key assumptions: Envision's simulation model incorporates assumptions on inflation, financial market returns, and relationships between these variables based on an analysis of historical data. Using Monte Carlo simulations, Envision simulates thousands of potential outcomes over a lifetime of investing. The varying historical risk, return and correlation between the assets is based on indexes over several market cycles. Elements of this report's presentations and simulation results are under license from Financeware Inc. & Wealthcare Capital Management IP, LLC. U.S. Patents 7,562,040, 7,650,303, 7,765,138 and 7,991,675. Other international patents approved and pending. All Rights Reserved.

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Net Worth Statement Investment Assets Internal/ External Accounts included in the Envision Plan Joint Account 88888888 External Account Description

Taxation

Taxable

Jim

Susan

Joint & Dependent

Total

$0.00

$251,700.62

Sara's 529 External

Tax Advantaged Education

$71,286.72

$0.00

$71,286.72

88888888

External

Tax Advantaged Education

$132,428.83

$0.00

$132,428.83

Jim's Profit Share Plan 88888888

External

Deferred

$1,497,952.27

$0.00

$1,497,952.27

Susan's IRA 88888888

External

Deferred

$0.00

$255,544.49

$0.00

$255,544.49

$1,701,667.82

$255,544.49

$251,700.62

$2,208,912.93

Jim

Susan

Joint & Dependent

Total

$0.00

Jim

Susan

Joint & Dependent

Total

$0.00

$500,000.00

$0.00

$100,000.00

$0.00

$600,000.00

Jim

Susan

$350,000.00

$0.00

88888888 John's 529

Sub Total

Investment Assets Internal/ External Accounts not included in the Envision Plan Sub Total Account Description

Taxation

Personal Assets Description 123 Home St.* Sports Collectibles*

Type Home/Real Estate Collectibles

Sub Total

Business Assets Description

Type

Taylor Dental*

LLC

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Joint & Dependent $0.00

Total $350,000.00 Page 6 of 164

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Business Assets Description

Type

Sub Total

Jim

Susan

$350,000.00

$0.00

Jim

Susan

$15,000.00

Joint & Dependent $0.00

Total $350,000.00

Insurance Cash Value Company John Hancock*

Owner Jim Taylor

Sub Total Total Assets

$0.00

Joint & Dependent $0.00

$15,000.00

$0.00

$15,000.00

$2,066,667.82

$255,544.49

$851,700.62

$3,173,912.93

Jim

Susan

$0.00

Total

Liabilities Description 123 Main St. Mortgage*

Type Mortgage

Total Liabilities Net Worth

$0.00

Joint & Dependent $-200,000.00

$-200,000.00

$0.00

$-200,000.00

$ -200,000.00

$2,066,667.82

$255,544.49

$651,700.62

$2,973,912.93

Total

*This information is included for purposes of this Statement and is not included in the analysis of this Envision plan. This Net Worth statement represents a portfolio of securities and assets and liabilities owned by you based on our records of transactions processed through us or supplemental information supplied by you. This report may not include all accounts in your household. The above statement does not in any way supersede your statements, policies or trade confirmations, which we consider the only official and accurate records of your accounts or policies. We rely on you to review the accuracy and completeness of this analysis. This statement may differ from the Firm's profile information on your accounts. The death benefit and cash value will be affected by any outstanding loans or withdrawals at the time of surrender.

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Net Worth By Type Graph Net Worth Breakdown by Type

$3,600,000 $3,200,000 $2,800,000 $2,400,000 $2,000,000 $1,600,000 $1,200,000 $800,000 $400,000 $0 ($400,000)

Assets

Liabilities

As s e t s ( $ 3 ,1 7 3 ,9 1 2 )

Lia b ilit ie s ( - $ 2 0 0 ,0 0 0 )

Ne t W o r t h ( $ 2 ,9 7 3 ,9 1 2 )

Mortgage

Net Worth

Personal Assets

Net Worth

Business Assets Insurance Cash Value Investment Assets

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Net Worth By Person Graph Net Worth Breakdown by Person

$3,600,000 $3,200,000 $2,800,000 $2,400,000 $2,000,000 $1,600,000 $1,200,000 $800,000 $400,000 $0 ($400,000)

Assets

Liabilities

As s e t s ( $ 3 ,1 7 3 ,9 1 2 )

Lia b ilit ie s ( - $ 2 0 0 ,0 0 0 )

Jim

Joint & Dependent

Net Worth

Ne t W o r t h ( $ 2 ,9 7 3 ,9 1 2 ) Total Net Worth

Susan Joint & Dependent

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Insurance Summary Life Insurance Company

Policy Number

Type

Owner

Insured

Beneficiary

John Hancock

1234567

Whole Life

Jim Taylor

Susan Taylor

$100,000

1234567

Group

Susan Taylor

Jim Taylor

Northwestern Mutual Total

Death Annual Benefit Premium

Cash Value

Loan Value

$500

$15,000

$100,000

$240

$200,000

$740

$15,000

Total Benefit Pool

Annual Increase

Elimination Period(Days)

$145,080

3.00%

180

Annual Increase

Elimination Period(Days)

0.00%

180

Long Term Care Insurance Company

Policy Number

Insured

Genworth

8888-8

Jim Taylor

Total

Annual Premium

Monthly Benefit Period Benefit (Years)

$2,000

$4,030

$2,000

$4,030

$145,080

Disability Insurance Company

Policy Number

Owner

Met Life

888-88-8

Jim Taylor

Total

Annual Premium

Monthly Benefit Period Benefit (Years)

$3,204

$9,000

$3,204

$9,000

The death benefit and cash value will be affected by any outstanding loans or withdrawals at the time of surrender. Total Benefit Pool = Monthly Benefit * Benefit Period * 12 The policy details listed above have been based on information you, the client, provided to your Financial Advisor. Wells Fargo Advisors does not guarantee its accuracy or completeness. Please consult the policy literature provided by your Insurance carrier for more complete information and a detailed description of any terms and conditions mentioned in this report.

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Liabilities Summary General Liabilities Description

Borrower

Interest Rate

Type

Balance

Sub Total

Monthly Payment

$0.00

Mortgages Description 123 Main St. Mortgage

Borrower

Loan Type

Lender

Joint

30 Yr Fixed

Wells Fargo

Interest Rate

Balance

Monthly Payment

5.75%

$-200,000.00

$3,684.00

Sub Total

$-200,000.00

Total Liabilities

$-200,000.00

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Year Closed

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Envision Action Plan Review - Client Notes Current Year Savings On Target

Client Notes

Updated Amount _______________

Contribute $40,000 to Jim's tax deferred savings - Deferred

_______________

Contribute $15,000 to Susan's tax deferred savings - Deferred

_______________

Contribute $20,000 to Joint taxable savings - Taxable

___________________________________________________________________________________________ ___________________________________________________________________________________________

Asset Allocation On Target As discussed, adjustments should be made to your current investment holdings to bring the allocation in line with the Conservative Growth portfolio

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Current

Conservative Growth Large Cap (62.25%)

Large Cap (28.00%)

Mid Cap (9.49%)

Mid Cap (10.00%)

Small Cap (11.91%)

Small Cap (8.00%)

International Equity (6.20%)

International Equity (10.00%)

Emerging Market Equity (0.67%)

Emerging Market Equity (8.00%)

Intermediate Fixed Inc (0.00%)

Short Term Fixed Income (8.00%)

Long Term Fixed Income (0.04%)

Intermediate Fixed Inc (14.00%)

REIT (0.02%)

Long Term Fixed Income (4.00%)

Other (0.10%)

High Yield Fixed Income (2.00%)

Cash Alternative (9.33%)

REIT (2.00%) Commodities (4.00%) Cash Alternative (2.00%)

Average Return: Downside Risk:

8.7% -12.5%

Average Return: Downside Risk:

8.3% -8.1%

Conservative Growth: Growth investors do not seek account income and their primary objective is capital appreciation. Conservative Growth investors seek maximum growth consistent with a relatively modest degree of risk. They are willing to accept lower potential returns in exchange for lower risk. Equities may be a significant percentage of the account. The Current allocation indicates how an investor's portfolio is allocated based on Wells Fargo Advisors asset classifications and current market value.

Client Notes

___________________________________________________________________________________________ ___________________________________________________________________________________________

Survivor Needs On Target

Client Notes

Updated Amount _______________

Estimated Additional Insurance Needed on Susan: $60,000

_______________

Estimated Additional Insurance Needed on Jim: $1,310,000

___________________________________________________________________________________________ ___________________________________________________________________________________________

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Client Action Items RETIREMENT • Review contributions to your employer's retirement savings plan in order to capture the full amount of your employer's

contribution.

GENERAL INVESTING • A concentrated equity position can result in a portfolio with higher volatility and, as a general rule, one holding should

not comprise more than 20% of your portfolio. Consider repositioning a portion of this holding into other investments to further diversify your portfolio.

LIABILITY MANAGEMENT • Consider using existing cash to pay off some or all of your debts.

INSURANCE • Review your existing insurance to make sure your term, death benefit, premium and other features of your policy(ies)

are suitable given your current and future financial goals.

Insurance products are offered through our affiliated nonbank insurance agencies. ESTATE • Consult with your estate attorney to discuss whether estate strategies should be utilized to reduce potential probate

fees.

We recommend you consult with your legal or tax advisor before making any Estate Planning decisions. Additional Client Notes __________________________________________________________________________________________________________ __________________________________________________________________________________________________________ __________________________________________________________________________________________________________ __________________________________________________________________________________________________________ __________________________________________________________________________________________________________

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"Current Year" is defined as the period of time from now until the owner of the cash flow's next birthday. This Action Plan Review identifies the current year's savings, asset allocation, withdrawals, goals, and income needs included in your Envision report, and also identifies the preceding year's goals that have been retired. Please review your actual report for a detailed analysis of additional, future assumptions you have made which may be critical to the success of your plan. The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return information, please see the Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio faces approximately a 5% chance each year of experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future results. The downside risk and average return for the current allocation are calculated based on a classification of the underlying holdings for funds, ETFs, and UITs. For funds in alternative investment strategies and where underlying holdings are not available for classification, the asset class assigned to that security is used. Underlying classification data is updated periodically and the frequency of updates will vary by fund.

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Profile Summary Data Personal Information Name

Date of Birth

Jim Taylor Susan Taylor

01/01/1959 01/01/1959

Annual Income $250,000 $60,000

Life Goals Description

Ideal Value

Retirement Age - Jim Retirement Age - Susan Retirement Spending Need (Annual Increase) Estate Goal (Annual Increase)

55 55 $180,000 (2.50%) $2,000,000 (2.50%)

Education Goals

Acceptable Value 62 62 $120,000 (2.50%) $500,000 (2.50%)

Name

Date of Birth

John Sara

01/01/1994 01/01/1997

Ages

Institution

18 - 21 18 - 21

Brown University University of Virginia

Ideal Value

Acceptable Value

Annual Increase

$42,074 $30,249

2.50% 2.50%

Other Goals Description Executive RV Travel

Annual Amount Ideal/Accept. $400,000 / $250,000 $20,000 / $10,000

Start Age Ideal/Accept.

End Age Ideal/Accept.

Annual Increase Ideal/Accept.

Jim

Ret. / Ret.

2.50% / 2.50%

Jim

60 / 60

70 / 65

0.00% / 0.00%

Net or Gross

Owner

Net Net

Income Sources Description Partnership Buyout Jim's Whole Life Benefit

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Annual Amount Ideal/Accept.

Net or Gross

Owner

Tax Status

Start Age Ideal/Accept.

End Age Ideal/Accept.

Annual Increase Ideal/Accept.

$75,000 / $75,000 $100,000 / $100,000

Gross

Jim

Taxable

62 / 62

66 / 66

2.50% / 2.50%

Net

Jim

Taxable

Death / Death

0.00% / 0.00%

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Social Security Description Social Security Social Security

Annual Amount Ideal/Accept.

Net or Gross

Owner

Tax Status

$20,504 / $21,074 $14,295 / $15,607

Gross Gross

Jim Susan

Taxable Taxable

Start Age Ideal/Accept.

End Age Ideal/Accept.

Annual Increase Ideal/Accept.

62 / 62 62 / 62

Death / Death Death / Death

2.50% / 2.50% 2.50% / 2.50%

Savings Description Deferred Deferred Taxable

Annual Amount Ideal/Accept. $40,000 / $40,000 $15,000 / $15,000 $20,000 / $30,000

Start Age Ideal/Accept.

End Age Ideal/Accept.

Annual Increase Ideal/Accept.

Deferred

52 / 52

Ret. / Ret.

0.00% / 0.00%

Susan

Deferred

52 / 52

Ret. / Ret.

0.00% / 0.00%

Joint

Taxable

52 / 52

Ret. / Ret.

0.00% / 0.00%

Interest Rate

Balance

Monthly Payment

5.75%

$200,000

$3,684

Owner

Tax Status

Jim

Liabilities Description

Borrower

Type

123 Main St. Mortgage

Joint

Mortgage

Total Liabilities :

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$200,000

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Risk Profile* Investment Objective

Ideal

Acceptable

Conservative Growth & Income

Long Term Growth & Income

Equity %

31.0%

64.0%

Downside Risk

-3.4%

-8.8%

Average Return (as of 05/2010)

Description

6.7%

Growth and Income investors seek current income, but also seek income and capital growth over time. These investors are willing to forgo a portion of current income in order to seek potential future growth. Conservative Growth and Income investors seek the maximum growth and income consistent with a relatively modest degree of risk. They are willing to accept lower potential returns in exchange for lower risk. Equities, generally dividend paying equities, may be some percentage of the account.

8.5%

Growth and Income investors seek current income, but also seek income and capital growth over time. These investors are willing to forgo a portion of current income in order to seek potential future growth. Long Term Growth and Income investors seek a significant level of growth and income, are financially able and willing to risk losing a substantial portion of investment capital, and due to their long term horizon or other factors they pursue high risk, more aggressive strategies that may offer higher potential returns. High yield bonds and equities, generally dividend paying equities, may be the primary assets in the account.

All numbers provided for Education Goal calculations are hypothetical in nature and are based on assumptions entered into the calculation. You should check the figures to ensure they are reasonable and you should consult with the institution on the accuracy of the information before making any investment decisions based on this information. *

The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return information, please see the Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio faces approximately a 5% chance each year of experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future results. Allocations used within this plan may not have a greater downside risk than the risk range associated with the Acceptable Risk Profile.

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Your Goals Retirement Age Jim Susan Annual Retirement Spending Other Goals Executive RV Travel Annual Education Goals John Sara Annual Savings Deferred Deferred Taxable Income Sources (Annual) Partnership Buyout Jim's Whole Life Benefit Annual Social Security Jim Susan Susan Estate Goal Strategic Allocation Percent in Equities Downside Risk

Ideal

Acceptable

55 55

62 62

$180,000

$120,000

$400,000 (Age Ret. - Ret.) $20,000 (Age 60 - 70)

$250,000 (Age Ret. - Ret.) $10,000 (Age 60 - 65)

$42,074 (Age 18-21) $30,249 (Age 18-21)

$40,000 (Age 52-Ret.) $15,000 (Age 52-Ret.) $20,000 (Age 52-Ret.)

$40,000 (Age 52-Ret.) $15,000 (Age 52-Ret.) $30,000 (Age 52-Ret.)

$75,000 (Age 62-66) $100,000 (Age Death-Death)

$20,504 (Age 62-Death) $14,295 (Age 62-Death) $6,209 (Age 93-End)

$21,074 (Age 62-Death) $15,607 (Age 62-Death) $5,467 (Age 93-End)

$2,000,000

$500,000

Conservative Growth & Income (Age Now-End) 31.0% -3.4%

Long Term Growth & Income (Age Now-End) 64.0% -8.8%

The Strategic Allocation has been derived from what you indicated was your Ideal or Acceptable tolerance for Downside Risk as displayed on the Profile Summary Data report. The Disclosures include more detailed information.

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Your Priorities The Envision Priority Cards help you clarify your financial goals and prioritize your objectives. Using the cards as guidelines, the Envision Process also offers you the flexibility to adjust your priorities, when necessary, based on fluctuating market conditions or life-changing events. Higher Priority

Lower Priority

Risk Tolerance

Retirement Income

Retirement Age

Philanthropy

Business Transaction & Succession

Estate & Legacy

Education Goal

Increasing Medical Costs

Travel

Executive RV

Taxes and Inflation

Today Vs Tomorrow

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Your Priorities The Envision Priority Matrix can help you clarify your financial goals and prioritize your objectives. Using the Matrix as a guide, the Envision process also offers you the flexibility to adjust your priorities, when necessary, based on fluctuating market conditions or life-changing events.

Retire Later

Goal To achieve our early retirement age(s), we would be willing to:

N/A

To achieve our higher spending target in retirement, we would prefer to:

Reduce Retirement Spending

Reduce Size of Estate

N/A

In order to achieve our larger estate goal, we would be willing to:

Take More Investment Risk

Save More

N/A

To reduce the investment risk in our portfolio, we would be willing to:

We would like to reduce our current savings and to achieve this we would prefer to:

X X

N/A N/A

To meet our education funding goals, we would be willing to: To meet our 'Executive RV ' other goal, we would be willing to:

To meet our 'Travel ' other goal, we would be willing to:

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The Investment Plan Result Below Target

Target Zone

Above Target

<50

What is the Investment Plan Result?

•

Central to the Envision process is the Investment Plan Result calculation. With Envision, we simultaneously evaluate your goals, your strategic asset allocation and your assets to determine the likelihood that your investment plan would have achieved your goals. The Envision process subjects your investment plan to a sophisticated stress testing process that simulates 1,000 market environments, both good and bad. Your Investment Plan Result is the percentage of the 1,000 simulations in which your goals were met for your Ideal, Acceptable, and Recommended Investment Plan. Remember, the simulations do not represent actual investment performance and are only intended to provide you with an opportunity to evaluate your Recommended Investment Plan, including your asset allocation. The Disclosures include more detailed information regarding the simulation process.

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100

Below Target An Investment Plan Result below 75 means that your investment plan would not have achieved your goals in a large number of the historical simulations. You may wish to consider adjustments to your goals, your allocation and/or your investments.

•

Target Zone An Investment Plan Result between 75 and 90 means that in many of the historical simulations your investment plan would have achieved your goals. You might be required to make changes to your Recommended Investment Plan in order to stay within your Target Zone, but those changes are likely to be minor.

•

Above Target An Investment Plan Result above 90 means that in a significantly large number of historical simulations your investment plan would have achieved or exceeded your goals. You may wish to consider a less risky allocation, or an adjustment to your goals.

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Investment Plan Result For Your Goals Below Target

<50

Target Zone

Above Target

100

<=50

Investment Plan Result Retirement Age Jim Susan Annual Retirement Spending Other Goals Executive RV Travel Annual Education Goals John Sara Annual Savings Deferred Deferred Taxable Income Sources (Annual) Partnership Buyout Jim's Whole Life Benefit Annual Social Security Jim Susan Susan Estate Goal 12/06/2011

Ideal

Acceptable

55 55

62 62

$180,000

$120,000

$400,000 (Age Ret. - Ret.) $20,000 (Age 60 - 70)

$250,000 (Age Ret. - Ret.) $10,000 (Age 60 - 65)

$42,074 (Age 18-21) $30,249 (Age 18-21)

$40,000 (Age 52-Ret.) $15,000 (Age 52-Ret.) $20,000 (Age 52-Ret.)

$40,000 (Age 52-Ret.) $15,000 (Age 52-Ret.) $30,000 (Age 52-Ret.)

$75,000 (Age 62-66) $100,000 (Age Death-Death)

$20,504 (Age 62-Death) $14,295 (Age 62-Death) $6,209 (Age 93-End)

$21,074 (Age 62-Death) $15,607 (Age 62-Death) $5,467 (Age 93-End)

$2,000,000

$500,000

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Below Target

<50

Jim & Susan Target Zone

Above Target

<=50

Strategic Allocation Percent in Equities Downside Risk

Investment Plan Result

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100

Ideal

Acceptable

Conservative Growth & Income (Age Now-End) 31.0% -3.4%

Long Term Growth & Income (Age Now-End) 64.0% -8.8%

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Recommended Investment Plan Below Target

<50

Target Zone

Above Target

100

<=50

98 82

12/06/2011

Ideal

Recommended

Acceptable

55 55

60 60

62 62

$180,000

$140,000

$120,000

$400,000 (Age Ret. - Ret.) $20,000 (Age 60 - 70)

$250,000 (Age Ret. - Ret.) $15,000 (Age 60 - 70)

$250,000 (Age Ret. - Ret.) $10,000 (Age 60 - 65)

$42,074 (Age 18-21) $30,249 (Age 18-21)

$40,000 (Age 52-Ret.) $15,000 (Age 52-Ret.) $20,000 (Age 52-Ret.)

$40,000 (Age 52-Ret.) $15,000 (Age 52-Ret.) $30,000 (Age 52-Ret.)

$75,000 (Age 62-66) $100,000 (Age Death-Death)

$20,504 (Age 62-Death) $14,295 (Age 62-Death) $6,209 (Age 93-End)

$21,006 (Age 62-Death) $15,318 (Age 62-Death) $5,688 (Age 93-End)

$21,074 (Age 62-Death) $15,607 (Age 62-Death) $5,467 (Age 93-End)

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<50

Target Zone

Above Target

100

<=50

98 82

Estate Goal Strategic Allocation Percent in Equities Downside Risk

Investment Plan Result

Ideal $2,000,000

Recommended $1,000,000

Acceptable $500,000

Conservative Growth & Income (Age Now-End) 31.0% -3.4%

Conservative Growth (Age Now-End) 66.0% -8.1%

Long Term Growth & Income (Age Now-End) 64.0% -8.8%

Conservative Growth Growth investors do not seek account income and their primary objective is capital appreciation. Conservative Growth investors seek maximum growth consistent with a relatively modest degree of risk. They are willing to accept lower potential returns in exchange for lower risk. Equities may be a significant percentage of the account. Please refer to the Disclosures for more detailed information. This information is not used to update your client account profile information. Please contact your Financial Advisor if any changes are needed to update your client profile. Your Recommended Investment Plan Result was calculated assuming that you will modify your strategic asset allocations, if applicable, throughout the life of the plan. The recommended strategic asset allocation reflected on this page illustrates the strategic allocation you plan to implement now. Future allocations are illustrated on the Age Based Asset Allocation page.

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Achieving Your Goals

Annual Retirement Spending Other Goals Executive RV Travel Annual Education Goals John - Brown University Sara - University of Virginia Annual Savings Deferred Deferred Taxable Income Sources (Annual) Partnership Buyout Jim's Whole Life Benefit Social Security Jim Susan Susan Estate Goal Strategic Allocation Percent in Equities Downside Risk Investment Plan Result

60 60

$3,280,000 $3,130,000

$140,000 $250,000 (Age Ret. - Ret.) $15,000 (Age 60 - 70) $42,074 (Age 18-21) $30,249 (Age 18-21)

$2,980,000

Investments

Retirement Age Jim Susan

$2,830,000 $2,680,000 $2,530,000 $2,380,000 $2,230,000 $2,080,000

$40,000 (Age 52-Ret.) $15,000 (Age 52-Ret.) $20,000 (Age 52-Ret.)

$1,930,000 $1,780,000 51

Age (Susan Taylor)

$75,000 (Age 62-66) $100,000 (Age Death-Death)

Above Target (90th Percentile) Below Target (75th Percentile)

$21,006 (Age 62-Death) $15,318 (Age 62-Death) $5,688 (Age 93-End) $1,000,000 Conservative Growth (Age Now-End) 66.0% -8.1% 82

Investment As Of Date

The Target Zone may help you evaluate your Recommended Investment Plan. It does not represent a projection of future portfolio values. The Target Zone graph is shown in Actual dollars. The Target Zone and Plan Result is reflective of the strategic recommended asset allocation. If your current portfolio is not consistent with the recommended allocation, then your probability of success may be significantly different than the Plan Result displayed.

This information is not used to update your client account profile information. Please contact your Financial Advisor if any changes are needed to update your client profile.

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Sensitivity Analysis Results shown in Actual dollars

44%

$3,580,000 34%

$3,380,000

Investments

$3,180,000

31%

16%

$2,980,000 45%

$2,780,000 $2,580,000 69%

$2,380,000

25%

$2,180,000

21%

$1,980,000

15%

$1,780,000 53

Age (Susan Taylor)

Above Target (90th Percentile)

Below Target (75th Percentile)

Investment As Of Date

At 1 year

At 3 years

At 5 years

16 % $2,705,888 15 % $2,238,478

34 % $3,131,923 21 % $2,581,186

44 % $3,532,588 25 % $3,005,808

Probability of being out of the Target Zone

31 %

55 %

69 %

Probability of being in the Target Zone

69 %

45 %

31 %

Probability of being above the Target Zone Investment Value greater than Probability of being below the Target Zone Investment Value less than

Envision allows you to track the value of your portfolio over time as it relates to the Target Zone. As markets change, and as your personal goals and objectives change, you may see your portfolio value move out of the Target Zone. This Sensitivity Analysis shows the probability of being both below and above the Target Zone over a one, three and five year period. If your portfolio value happens to move out of the Target Zone, this is an opportunity to discuss what changes may have occurred in the market, or what has changed in your life based on the recommendations in the plan. As part of the Envision review process, you and your Financial Advisor may want to make adjustments to move you back into the Target Zone and give you reasonable confidence in achieving your goals.

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Current vs Strategic Allocation - Plan Results Current Allocation Plan Result: 80

Strategic Allocation Plan Result: 82

Current

Conservative Growth Large Cap (62.25%)

Large Cap (28.00%)

Mid Cap (9.49%)

Mid Cap (10.00%)

Small Cap (11.91%)

Small Cap (8.00%)

International Equity (6.20%)

International Equity (10.00%)

Emerging Market Equity (0.67%)

Emerging Market Equity (8.00%)

Intermediate Fixed Inc (0.00%)

Short Term Fixed Income (8.00%)

Long Term Fixed Income (0.04%)

Intermediate Fixed Inc (14.00%)

REIT (0.02%)

Long Term Fixed Income (4.00%)

Other (0.10%)

High Yield Fixed Income (2.00%)

Cash Alternative (9.33%)

REIT (2.00%) Commodities (4.00%) Cash Alternative (2.00%)

Average Return: Downside Risk:

8.7% -12.5%

Average Return: Downside Risk:

8.3% -8.1%

Important Information: This page illustrates how your plan result may differ if you do not adopt the recommended strategic allocation. The current allocation plan result assumes that your current allocation will remain unchanged over the duration of the plan. The strategic allocation plan result assumes that you implement the recommended allocation and any future age-based allocations if they were included in the plan. There is no assurance that the recommended portfolio's objectives will be obtained. Current Allocation indicates how an investor's portfolio is allocated based on Wells Fargo Advisors asset classifications and current market value Strategic Allocation illustrates how much of an investor's portfolio should be allocated to the various asset classes based on the recommended investment plan. The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return information, please see the Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio faces approximately a 5% chance each year of experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future results. Your current portfolio allocation may classify assets based on the underlying holdings of global and balanced funds, ETFs, and UITs. Where underlying holdings are not available for classification, the asset class assigned to that security is used. Balanced funds generally invest in both stocks and bonds. Global funds generally invest in both international and domestic securities. Underlying classification data is updated periodically and the frequency of updates will vary by fund. When repositioning assets within your portfolio, it is important to note that underlying holdings of funds, ETFs and UIT shares cannot be bought or sold individually. You may only buy or sell shares of the actual funds, ETFs, and UITs. The downside risk and average return for the current allocation are calculated based on a classification of the underlying holdings for funds, ETFs, and UITs. For funds in alternative investment strategies and where underlying holdings are not available for classification, the asset class assigned to that security is used. Underlying classification data is updated periodically and the frequency of updates will vary by fund. Totals may not equal calculated amounts due to rounding differences. The Disclosures include definitions of the terms on this page and other detailed information.

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Monitoring Your Recommended Investment Plan The cash flows for this plan were last inflated on 6/22/2011*

Recommended

12/06/2011

12/01/2011

10/01/2011

07/01/2011

04/01/2011

01/01/2011

Jim's Retirement Age

Susan's Retirement Age

$140,000

$145,000

$1,000,000

Conservative Growth

$75,000

$100,000

$75,000

Social Security - Jim

$21,006

Social Security - Susan

$15,318

$5,688

$2,208,913

$2,183,833

$2,021,581

$2,301,954

$2,338,765

$2,506,907

$250,000

$15,000

$42,074

$41,048

$30,249

$29,511

Annual Retirement Spending Estate Goal Strategic Allocation +

Current Year Savings Income Sources - Jim's Whole Life Benefit - Jim Income Sources - Partnership Buyout - Jim

Social Security - Survivor Benefits Susan Investment Value Other Goal - Executive RV - Jim Other Goal - Travel - Jim Education Goals - Brown University John Taylor Education Goals - University of Virginia - Sara Taylor Investment Plan Result

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The cash flows for this plan were last inflated on 6/22/2011*

Recommended

10/01/2010

07/01/2010

04/01/2010

01/01/2010

10/01/2009

07/01/2009

Jim's Retirement Age

Susan's Retirement Age

$145,000

$148,625

$140,000

$1,000,000

$1,025,000

$500,000

Conservative Moderate Growth & Growth Income

Conservative Growth

Annual Retirement Spending Estate Goal

Conservative Growth

Strategic Allocation +

$75,000

$95,000

$85,000

$100,000

$75,000

$76,875

$75,000

Social Security - Jim

Social Security - Susan

Social Security - Survivor Benefits Susan

$2,387,394

$2,152,657

$2,403,063

$2,289,089

$2,000,000

$2,250,000

$250,000

$256,250

$250,000

$15,000

$41,048

$40,047

$29,511

$28,791

Current Year Savings Income Sources - Jim's Whole Life Benefit - Jim Income Sources - Partnership Buyout - Jim

Investment Value Other Goal - Executive RV - Jim Other Goal - Travel - Jim Education Goals - Brown University John Taylor Education Goals - University of Virginia - Sara Taylor Investment Plan Result

* Cash flows are inflated once per year on the anniversary of the investment plan’s creation date. The inflating of cash flows is necessary to keep goals, savings, income sources, etc. up to date with their specified inflation rates. + This total does not include savings cash flows that start in the future. If future savings cash flows exist, they are included in the Envision analysis. ^ Social security benefits, if included in the plan prior to November 2011, are unavailable for display.

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The table above indicates your Recommended Investment Plan and how changes to your goals and Investment Value have affected the Investment Plan Result over time. Investment Value includes assets currently held in accounts with our firm as well as assets held at other firms. Values of assets held at other firms are based on information provided by you, and may not reflect current market value. The Recommended Investment Plan assumes you implement the Strategic or Custom Allocation and includes expectations about savings and spending patterns that you provided. Please be sure to inform us of any changes to your goals, savings and spending patterns and changes in the market value of assets held at other firms. Your Recommended Investment Plan Result was calculated based on all of the information contained within your recommended plan as of the date in the column header.

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Target Zone-Long Term Results shown in Actual dollars

$6,040,000 $5,570,000 $5,100,000

Investments

$4,630,000 $4,160,000 $3,690,000 $3,220,000 $2,750,000 $2,280,000 $1,810,000 $1,340,000 47

103

Age (Susan Taylor) Above Target (90th Percentile)

Below Target (75th Percentile)

Investment As Of Date

The Target Zone and Plan Result is reflective of the strategic recommended asset allocation. If your current portfolio is not consistent with the recommended allocation, then your probability of success may be significantly different than the Plan Result displayed.

Monitoring Your Progress... Investment markets, your financial goals, and your priorities can change over time. The Envision process recognizes that throughout your life things will change. The monitoring process enables us to track your Investment Value so that, upon your request, we can monitor and review your progress towards your goals. Please be sure to inform us of updates to your situation, including changes to your goals and priorities, so that we can work with you to monitor and modify your Recommended Investment Plan. 12/06/2011

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Sources of Funding Age 60 (Jim)

Spending Needs at Age 60 Investment Portfolio Need* (100.00%)

Age 63 (Jim)

Sources of Funding

Retirement Spending Executive RV Travel

$ 170,576 $ 304,601 $ 15,000

Total

$ 490,177

Spending Needs at Age 63 Social Security - Jim (11.15%) Social Security - Susan (8.13%) Partnership Buyout (39.81%) Investment Portfolio Need* (40.91%)

None Specified Total

Investment Portfolio Need* = $ 490,177

Sources of Funding

Retirement Spending Travel

$ 183,692 $ 15,000

Total

$ 198,692

Social Security - Jim Social Security - Susan Partnership Buyout

$ 22,154 $ 16,155 $ 79,099

Total

$ 117,408

Investment Portfolio Need* = $ 81,284

Age 65 (Jim)

Spending Needs at Age 65 Social Security - Jim (11.19%) Social Security - Susan (8.16%) Partnership Buyout (39.96%) Investment Portfolio Need* (40.69%)

Sources of Funding

Retirement Spending Travel

$ 192,992 $ 15,000

Total

$ 207,992

Social Security - Jim Social Security - Susan Partnership Buyout

$ 23,276 $ 16,973 $ 83,104

Total

$ 123,353

Investment Portfolio Need* = $ 84,639

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Age 75 (Jim)

Spending Needs at Age 75 Social Security - Jim (13.61%) Social Security - Susan (9.92%) Investment Portfolio Need* (76.47%)

Sources of Funding

Retirement Spending

$ 247,045

Total

$ 247,045

Social Security - Jim Social Security - Susan

$ 33,620 $ 24,516

Total

$ 58,136

Investment Portfolio Need* = $ 188,909

*The Investment Portfolio Need is the net amount required from the investment portfolio after all other income sources have been applied to the spending need. It does not represent income provided by the investment portfolio nor should it be assumed that the spending need can be met with portfolio withdrawals. The sources of funding cash flows are hypothetical in nature and should be used only as a guideline. This report may display spending needs and the corresponding sources of funding for up to five different years as determined by your financial advisor. The other income sources are based upon assumptions that you have provided. To determine how much the investment portfolio must provide in order to meet spending needs, first, all available other income sources are matched against the spending need. If, all other income sources are not sufficient to meet the spending need, then the analysis assumes the remainder will be made up with the investment portfolio. This analysis does not consider Required Minimum Distributions or the potential need for leverage to be used.

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Goal Funding Summary - Recommended Investment Plan Results shown in Actual dollars Social Security

Estimated Taxable Portfolio Income

Income Sources

Portfolio Withdrawal

Net Goal Funding Need

$450,000

$400,000

$350,000

Income Need

$300,000

$250,000

$200,000

$150,000

$100,000

$50,000

$0 60/60

64/64

68/68

72/72

76/76

80/80

84/84

88/88

92/92

Age (Jim / Susan) Goal Funding Summary reflects any Social Security and Income Sources during retirement as well as estimated portfolio yield based off of the previous year's estimated taxable ending value. Estimated Portfolio Taxable Income is based on current yield assumptions and there is no assurance that they will be obtained. In addition, the portfolio withdrawals necessary to meet your Goal Funding Needs for your Recommended Investment Plan are reflected. This is based upon information you provided. Because this information is likely to change over time, your actual cash flow experience will differ. You should periodically review this information with your Financial Advisor and discuss any changes to your goals and personal situation in order to keep your Recommended Investment Plan up-to-date.

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Scenario Comparison Below Target

Target Zone

<50

Above Target

100

80 82 The cash flows for this plan were last inflated on 6/22/2011*

Recommended

Scenario #1 - Gift to Northwestern

60 60 $140,000

N/A $250,000 (Age Ret. Ret.) $15,000 (Age 60 - 70)

$100,000 (Age 60 - 60) $250,000 (Age Ret. Ret.) $15,000 (Age 60 - 70)

$42,074 (Age 18-21)

$30,249 (Age 18-21)

$40,000 (Age 52 - Ret.) $15,000 (Age 52 - Ret.) $20,000 (Age 52 - Ret.)

$75,000 (Age 62 - 66)

Retirement Age Jim Susan Annual Retirement Spending Other Goals Gift to Northwestern Executive RV Travel Annual Education Goals John - Brown University Sara - University of Virginia Annual Savings Deferred Deferred Taxable Income Sources (Annual) Partnership Buyout

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Target Zone

<50

Above Target

100

80 82 The cash flows for this plan were last inflated on 6/22/2011*

Recommended

Jim's Whole Life Benefit Annual Social Security Jim Susan Susan Estate Goal Strategic Allocation Percent in Equities Downside Risk Investment Plan Result

$100,000 (Age Death Death)

Scenario #1 - Gift to Northwestern $100,000 (Age Death Death)

$21,006 (Age 62 - Death) $21,006 (Age 62 - Death) $15,318 (Age 62 - Death) $15,318 (Age 62 - Death) $5,688 (Age 93 - End) $5,688 (Age 93 - End) $1,000,000 $1,000,000 Conservative Conservative Growth (Age Now-End) Growth (Age Now-End) 66.0% 66.0% - 8.1% - 8.1% 82 80

* Cash flows are inflated once per year on the anniversary of the investment plan’s creation date. The inflating of cash flows is necessary to keep goals, savings, income sources, etc. up to date with their specified inflation rates. The Scenario Comparison is hypothetical and not your Recommended Investment Plan. It is designed to illustrate "what-if" scenarios. The information used to create these scenarios may or may not reflect your current situation or goals. Please refer to your Envision Presentation for a Recommended Investment Plan that reflects your current situation and financial goals. Your Financial Advisor can work with you to create or modify your Recommended Investment Plan to suit your needs. The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return information, please see the Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio faces approximately a 5% chance each year of experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future results.

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Survivor Goals - Jim Survives The cash flows for this plan were last inflated on 6/22/2011 *

Liabilities to be Paid Immediately 123 Main St. Mortgage

$200,000.00

Final Expenses

$10,250

Decedent's Annual Income Replacement

$42,025 (Age Now-Ret.)

Survivor Goals Retirement Age Annual Retirement Spending Estate Goal

60 $123,000 $512,500

Education Goals Brown University - John University of Virginia - Sara

$42,074 (Age 18-21) $30,249 (Age 18-21)

Savings Deferred

$61,500 (Age 51-Ret.)

Income Sources Partnership Buyout

$76,875 (Age 62-66)

Social Security Social Security Survivor Benefits Jim's Retirement Benefit

Strategic Allocation Percent in Equities Downside Risk

Total Value of Investments Plan Result

+ $22,976 $21,006 (Age 62-Death) Conservative Growth 66.0% - 8.1% $2,208,913 82

Survivor Needs Result Estimated Total Coverage Needed Existing Insurance Policies on Susan's Life 12/06/2011

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Estimated Additional Insurance Needed

$60,000

* Cash flows are inflated once per year on the anniversary of the investment plan’s creation date. The inflating of cash flows is necessary to keep goals, savings, other income, etc. up to date with their specified inflation rates.

The Survivor Benefit amount shown here is for the first year only. Future benefits may be more or less.

Important Information Estimated Total Coverage Needed: Indicates the total of your existing insurance plus your additional insurance need. Existing Insurance Policies: Represents insurance coverage you identified as already having purchased. Estimated Additional Insurance Needed: Represents the additional death benefit needed to meet the specific Survivor Goals stated in this survivor section. You may have additional estate or business planning needs which are beyond the scope of this analysis. Please consult with your Financial Advisor for additional analysis related to these issues. The Survivor Needs page may include modified plan assumptions that anticipate the different needs you may have after the death of your spouse; your actual situation may differ. In anticipation of your survivor need, this analysis may exclude certain accounts identified in your Recommended Investment Plan.

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Survivor Goals - Susan Survives The cash flows for this plan were last inflated on 6/22/2011 *

Liabilities to be Paid Immediately 123 Main St. Mortgage

$200,000.00

Final Expenses

$10,250

Decedent's Annual Income Replacement

$189,625 (Age Now-Ret.)

Survivor Goals Retirement Age Annual Retirement Spending Estate Goal

60 $123,000 $512,500

Education Goals Brown University - John University of Virginia - Sara

$42,074 (Age 18-21) $30,249 (Age 18-21)

Social Security + $34,180 $19,531 (Age 62-Death)

Social Security Survivor Benefits Susan's Retirement Benefit

Strategic Allocation

Conservative Growth 66.0% - 8.1%

Percent in Equities Downside Risk

Total Value of Investments

$2,208,913

Plan Result

Survivor Needs Result Estimated Total Coverage Needed Existing Insurance Policies on Jim's Life

$2,010,000 $700,000

Estimated Additional Insurance Needed

$1,310,000

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The Survivor Benefit amount shown here is for the first year only. Future benefits may be more or less.

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Long-Term Care Comparison - Jim LTC Event assumes death at the end of the long-term care event - age 73

Investment Plan Results Long-Term Care Costs Out of Pocket Cost LTC Premium Retirement Goals Jim's Retirement Age Susan's Retirement Age Retirement Spending Education Goals Brown University John University of Virginia Sara Other Goals Executive RV - Jim Travel - Jim Savings Contribution DEFERRED - Jim DEFERRED - Susan TAXABLE - Joint Income Sources Partnership Buyout Jim Jim's Whole Life Benefit - Jim

12/06/2011

Recommended

Recommended With Coverage

Long-Term Care Event Without Coverage

Long-Term Care Event With Coverage

N/A

N/A $2,659 (Age Now Death)

$85,958 (Age 70 - 73)

N/A

$2,659 (Age Now - 70)

$140,000 (Age 60 - End)

$42,074 (Age 18-21)

$30,249 (Age 18-21)

$250,000 (Age Ret. Ret.) $15,000 (Age 60 - 70)

$40,000 (Age 52 - Ret.) $15,000 (Age 52 - Ret.) $20,000 (Age 52 - Ret.)

$75,000 (Age 62 - 66)

$100,000 (Age Death Death)

N/A

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Social Security Jim Susan Susan Estate Goal Strategic Allocation Percent in Equities Downside Risk Total Value of Investments Investment Plan Results

Recommended

Recommended With Coverage

Long-Term Care Event Without Coverage

Long-Term Care Event With Coverage

$21,006 (Age 62 - Death) $15,318 (Age 62 - Death) $5,688 (Age 93 - End) $1,000,000 Conservative Growth (Age Now-End) 66.0% -8.1%

$21,006 (Age 62 - Death) $15,318 (Age 62 - Death) $5,688 (Age 74 - End) $1,000,000 Conservative Growth (Age Now-End) 66.0% -8.1%

$2,208,913

Estimated annual cost for long-term care is based on the Delaware average semi-private room nursing home costs. Room rates were obtained from nursing homes that are licensed, provide both skilled and custodial care, and have a semi-private pay rate for custodial care, not the Medicare or Medicaid reimbursed rate. Estimated long-term care insurance premiums assume a healthy, non-smoker with no pre-existing conditions. The premium assumption is based on a four year benefit for semi-private room care with a 90 day elimination period. The number provided is only an estimate and your actual premium costs will be different based on: product, underwriting risk classification, policy features, and benefits selected. The benefit may not cover the entire cost of long-term care. Long-term care insurance may not be suitable for everyone.

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An Introduction to Estate Planning Many investors need an estate plan. An estate plan is designed to provide security, define your legacy, and give a voice to your intentions and dreams. During your lifetime, a well-considered estate plan helps protect your financial security. It can help you to: • Designate a trusted person to manage your finances, if you become incapacitated - either temporarily, or for an extended time. • Clarify your wishes regarding medical treatment, if you are unable to express them yourself. • Appoint someone to make medical decisions for you, if you cannot. • Help avoid the strictures of a court-supervised guardianship or conservatorship, if you become incapacitated. • Delegate financial tasks to a trusted person, if you are traveling, ill, or simply want to "retire" from routine or burdensome matters. In the event of your death, your estate plan may be vitally important to the people you care about most. A thoughtful estate plan does more than dispose of possessions - it builds a foundation and structure for your legacy, and articulates your values. Your estate plan allows you to: • Appoint a guardian for minor children, and a trustee who can manage assets for them until a time that you select. • Create a distribution plan that reflects your life goals and values. What do you believe would have the most meaningful and beneficial impact on your heirs: an outright distribution, all at once; a gradual distribution, in several stages; or a plan that provides a lifetime of income, with access to principal as a safety net? • Balance the interests and needs of your spouse, and children from a prior marriage, as you think best. • Protect assets for the benefit of a child with special needs. • Address the special issues that arise when you own a family business, farm, or unique real estate. • Utilize trusts to give a beneficiary's assets a significant measure of protection from creditors, divorce, the effects of substance abuse, or bad decision-making. Building blocks of your estate plan Estate planning encompasses much more than a will. In order to control where assets go and how they are distributed, it is important to understand the interaction between legal forms of ownership, the five basic estate planning documents, and beneficiary designations. Legal forms of ownership can affect your estate plan, and estate taxes. Here are some basic concepts: • Individual ownership exists when an account, or property, is simply titled in your own name, for example "John Smith." Property titled in this way usually passes under the terms of your will, or if you do not have a will, to "default" heirs designated by state law. • Joint tenancy with right of survivorship (JTWROS) is a form of ownership in which two or more persons own an undivided interest in property. A deceased owner's share automatically passes to the surviving owner(s), and is not affected by the terms in your will or trust. • Tenancy in common is also a form of ownership in which two or more persons own an undivided interest in property, but a deceased owner's share does not automatically pass to the surviving owner(s); instead, the deceased owner's will or trust will be controlling. • Tenancy by the entirety is a variation of joint tenancy with right of survivorship, which can exist only between a husband and wife. This form of ownership is recognized in fewer than half of the states. In some states, it can be used for all types of property; in others, it can only be used for real estate. Property held in tenancy by the entirety is regarded as belonging to the husband and wife indivisibly, and generally is not subject to claims of either spouse's individual creditors. • Community property is a form of ownership applicable in 9 states (AZ, CA, ID, LA, NV, NM, TX, WA and WI). In addition, Alaska allows married couples to elect community property treatment. In these states, the law generally provides that all property acquired by either spouse during marriage is held as community property, with each spouse having a one-half interest. Property acquired before the marriage, or property acquired by gift or inheritance, is referred to as separate property. A deceased spouse can transfer one-half of the community property, plus his or her own separate property, under his or her will. Five basic estate planning documents are frequently recommended.

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A will provides instructions for distributing property that you own, upon your death, utilizing the probate process. Some wills are very simple; others include complex planning provisions. Your attorney can help design a will that fits your needs and objectives. A durable power of attorney allows you to name a trusted person to manage your financial and personal affairs if you are incapacitated. This document is important for lifetime planning. The authority of the agent (or "attorney in fact") ends when you die. A durable power of attorney for health care is another lifetime planning document; it allows you to name a trusted person to make a wide variety of medical decisions if you cannot, including decisions about end-of-life care. It is very important to name a person who shares your views and values. This document may also be referred to as a health care directive or health care proxy. A living will expresses your intentions with regard to the use of life-sustaining measures in the event of a terminal illness. It expresses what you want but does not give anyone the authority to speak for you. Sometimes, this document or statement is combined with a durable power of attorney for health care. The revocable living trust is often used in states where the probate process is lengthy or expensive. By transferring assets into a revocable living trust, you can provide for continued management of financial affairs during your lifetime and upon your death. Assets held in a revocable trust avoid the probate process. This may help to simplify the settlement process, and reduce the amount of personal information that becomes part of a public record. During your lifetime, you typically act as your own trustee. You name a successor trustee to manage trust assets after your death. Some revocable trusts provide for a simple outright distribution of assets; others call for the creation of continuing trusts after death. Your attorney can help you determine whether or not a revocable trust is appropriate for your situation, and if it is, can customize a trust to fit your situation.

Beneficiary designations also have an important effect on your estate plan. • Assets such as IRAs, qualified retirement plans and life insurance policies pass according to a beneficiary designation. Ordinarily, these assets are not governed by your will or trust, and are not subject to probate. If you fail to name a beneficiary, these assets typically must be paid to your estate (making a normally non-probate asset subject to probate). Accordingly, it is very important to be sure you name both primary and contingent beneficiaries, and that you keep your beneficiary designations up do date. Many types of employee benefit plans also have beneficiary designations, including nonqualified deferred compensation (NQDC) plans, non-qualified stock options (NSOs), incentive stock options (ISOs), employee stock purchase plans (ESPPs), and restricted stock awards. • Transfer on Death (TOD) designations are permitted for securities accounts in all states except Louisiana. Some states also permit TOD designations on other types of property. For bank accounts, the term Pay on Death (POD) designation is used. A TOD designation is another way to avoid the probate process. To make a TOD designation, you complete a simple account form. You can name one or more beneficiaries to receive an outright distribution of a particular account upon your death. During your lifetime, you retain sole ownership of the account, and you can revoke or change a TOD designation at any time. While this can be a good way to make simple transfers, it is much more limiting than a will or living trust, because it is not comprehensive and does not allow you to provide for contingencies, or handle complex planning provisions. Your estate planning team Your attorney is your primary estate planning advisor. In addition to preparing your estate planning documents, your attorney can guide you in selecting tools and strategies to fit your specific situation, and personal objectives. Your CPA is familiar with your income tax situation, and adds another valuable perspective to your estate planning team. Your financial advisor can help you organize your financial information, define your goals, and provide information about estate planning concepts. Your Envision plan is a good starting point for the estate planning process, and we encourage you to share it with your attorney. Evaluate strategies in light of your values and life goals As you evaluate any advanced planning strategy, ask: • Does it reflect my values? • How does it affect my income and financial security? • Is it consistent with my time horizon, risk tolerance, and financial situation? • Will it help to accomplish my goals and dreams? • Does it build the type of legacy I want to create? • How does it affect the people I care about most? 12/06/2011

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We encourage you to begin a conversation with your financial advisor about your values and goals, and extend that conversation to your attorney and CPA, and your family as well.

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Understanding the Federal Estate Tax Who is affected by the federal estate tax? Individuals may be subject to estate tax if their taxable estate exceeds the "applicable exclusion." The federal estate tax is paid by the estate (before distributions to beneficiaries). The estate tax return and full payment of the tax are due nine months after the date of death. The applicable exclusion for 2011 and 2012 will be $5 million, essentially protecting estates below that amount from federal estate tax. A flat rate of 35% will apply, and the estate and gift exemptions are reunified. This two-year window should be a reason to take action now - not procrastinate. In two years, Congress will need to revisit the estate tax. The desire to raise revenue may lead Congress to limit or eliminate certain strategies that are available in 2011 and 2012. If you are uncertain how these temporary new provisions affect your estate plan, you should make an appointment with your estate planning attorney to review your documents and strategies. Some states impose their own estate taxes, in addition to the federal tax. The state thresholds for imposing tax are often lower than the federal applicable exclusion. The rules vary considerably from state to state. Don't put off estate planning just because tax laws may change. Tax laws change frequently, so attorneys are experienced at building flexibility into estate planning documents. What is included in my taxable estate? In federal tax law, the definition of the "taxable estate" is very broad - it basically encompasses the value of everything you own or control. For example, your taxable estate includes: • Cash, checking, savings, and money market accounts. • Investment securities, real estate and closely-held business interests, at fair market value. • Retirement plans and employee benefits, including IRAs and Roth IRAs, qualified retirement plans, incentive and non-qualified stock options, restricted stock, employee stock purchase plans, and non-qualified deferred compensation. • Personal property, including autos, boats, household furnishings, jewelry, artwork, and collectibles. • All property held in revocable trusts. • The death benefit on life insurance policies that you own or control. • Property that you transferred to others, subject to a retained income interest or life estate. • Property over which you have a "general powers of appointment" (the unlimited power to transfer to another). It's important to understand that assets which pass outside of probate (such as revocable trusts, TOD accounts, IRAs and retirement plans, and life insurance) are generally still part of your taxable estate. Special considerations for married couples By using a "credit shelter" or "bypass" trust strategy, married couples can take advantage of the "applicable exclusion" for both spouses. Here's how it works: A provision in your will or living trust directs that, if you are the first spouse to die, an amount equal to the applicable exclusion then in effect will be allocated to the credit shelter trust. Typically, this trust will pay all of its income, and principal as needed, to the surviving spouse. (If you wish, your trust could permit distributions of income and principal to other beneficiaries as well.) The trust directs how any remaining principal will be distributed when the surviving spouse dies. Typically, trust assets are distributed to children, either outright or in a continuing trust. The assets in a credit shelter trust are not part of the surviving spouse's taxable estate. In effect, the original principal, and any future growth, is "sheltered" from tax by the applicable exclusion of the first spouse to die. And the surviving spouse still has his or her own exclusion to apply at the time of the second death.

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In order for a credit shelter trust to work, there must be assets to fund it. Asset titling, and beneficiary designations, should be arranged so that each spouse will have assets available to fund a credit shelter trust. New rules make the estate exclusion "portable" between spouses. In other words, a deceased spouse can pass on his or her unused exclusion to the surviving spouse. This could allow a married couple to transfer up to $10 million without federal estate tax. • However, portability rules are scheduled to lapse after 2012. • For larger estates, it may still be advantageous to create a "credit shelter" trust at the first death. Advanced estate planning strategies For single individuals with estates greater than the applicable exclusion or married couples with estates more than double the applicable exclusion, additional tax planning strategies are available. These include annual exclusion gifts, irrevocable life insurance trusts, charitable trusts, and many more. Your financial advisor, attorney, and CPA can work together to help you put strategies in place that fit your financial situation and your personal values and goals.

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Strategic Allocation Investment Objectives Conservative Income Income investors seek a maximum amount of income given their risk tolerance, and are willing to forgo capital appreciation and growth of income. Conservative Income investors seek the maximum amount of income consistent with a modest degree of risk. They are willing to accept a lower level of income in exchange for lower risk. Higher risk investments, such as high yield bonds and some equities, are typically not a large percentage of the account.

Conservative Growth & Income

Moderate Growth Growth investors do not seek account income and their primary objective is capital appreciation. Moderate Growth investors seek to balance potential risk of capital loss with their goal of higher potential growth. Equities may be the primary asset in the account.

Long Term Income

Income investors seek a maximum amount of income given their risk tolerance, and are willing to forgo capital appreciation and growth of income. Long Term Income investors seek a significant level of income, are financially able and willing to risk losing a substantial portion of investment capital, and, due to their long term horizon or other factors, they employ higher risk, more aggressive strategies that may offer higher potential income. Higher risk investments, such as high yield bonds and some equities, may be a significant percentage of the account.

Conservative Growth

Long Term Growth & Income

Growth investors do not seek account income and their primary objective is capital appreciation. Conservative Growth investors seek maximum growth consistent with a relatively modest degree of risk. They are willing to accept lower potential returns in exchange for lower risk. Equities may be a significant percentage of the account.

Growth and Income investors seek current income, but also seek income and capital growth over time. These investors are willing to forgo a portion of current income in order to seek potential future growth. Long Term Growth and Income investors seek a significant level of growth and income, are financially able and willing to risk losing a substantial portion of investment capital, and due to their long term horizon or other factors they pursue high risk, more aggressive strategies that may offer higher potential returns. High yield bonds and equities, generally dividend paying equities, may be the primary assets in the account.

Moderate Income Income investors seek a maximum amount of income given their risk tolerance, and are willing to forgo capital appreciation and growth of income. Moderate Income investors seek to balance the potential risk of capital loss with increased income potential. Higher risk investments, such as high yield bonds and some equities, may be some percentage of the account.

Moderate Growth & Income Growth and Income investors seek current income, but also seek income and capital growth over time. These investors are willing to forgo a portion of current income in order to seek potential future growth. Moderate Growth and Income investors seek to balance the risk of capital loss with higher potential growth and income. High yield bonds and equities, generally dividend paying equities, may be a significant percentage of the account. 12/06/2011

Long Term Growth Growth investors do not seek account income and their primary objective is capital appreciation. Long Term Growth investors seek a significant level of growth, are financially able and willing to risk losing a substantial portion of investment capital, and due to their long term horizon or other factors, they employ higher risk, more aggressive strategies that may offer higher potential returns. Higher risk investments such as equities may be as much as 100% of the account. Your actual asset allocation may vary from the Strategic or Custom Allocation, based upon your individual circumstances. There can be no guarantee that your investment goals will be reached by following a prescribed asset allocation model.

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The Strategic Allocations Conservative Income

Conservative Growth

Average Return:

5.1%

Average Return:

8.3%

Downside Risk:

-1.7%

Downside Risk:

-8.1%

Large Cap (2.00%)

Large Cap (28.00%)

Mid Cap (2.00%)

Mid Cap (10.00%)

International Equity (2.00%)

Small Cap (8.00%)

Short Term Fixed Income (25.00%)

International Equity (10.00%)

Intermediate Fixed Inc (45.00%)

Emerging Market Equity (8.00%)

Long Term Fixed Income (4.00%)

Short Term Fixed Income (8.00%)

Intl Fixed Income (6.00%)

Intermediate Fixed Inc (14.00%)

Emerging Market Debt (2.00%)

Long Term Fixed Income (4.00%)

High Yield Fixed Income (4.00%)

High Yield Fixed Income (2.00%)

REIT (3.00%)

REIT (2.00%)

Cash Alternative (5.00%)

Commodities (4.00%) Cash Alternative (2.00%)

Conservative Growth & Income Average Return:

6.7%

Downside Risk:

-3.4%

Moderate Income Average Return:

6.1%

Downside Risk:

-2.7%

Large Cap (10.00%) Mid Cap (4.00%)

Large Cap (10.00%)

Small Cap (4.00%)

Mid Cap (2.00%)

International Equity (6.00%)

Small Cap (2.00%)

Emerging Market Equity (4.00%)

International Equity (4.00%)

Short Term Fixed Income (10.00%)

Short Term Fixed Income (18.00%)

Intermediate Fixed Inc (28.00%)

Intermediate Fixed Inc (31.00%)

Long Term Fixed Income (15.00%)

Long Term Fixed Income (7.00%)

Intl Fixed Income (4.00%)

Intl Fixed Income (6.00%)

Emerging Market Debt (3.00%)

Emerging Market Debt (7.00%)

High Yield Fixed Income (4.00%)

High Yield Fixed Income (7.00%)

REIT (3.00%)

Commodities (2.00%)

Cash Alternative (3.00%)

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Moderate Growth & Income

Long Term Income

Average Return:

7.7%

Average Return:

6.8%

Downside Risk:

-6.1%

Downside Risk:

-4.5%

Large Cap (19.00%)

Large Cap (12.00%)

Mid Cap (8.00%)

Mid Cap (4.00%)

Small Cap (6.00%)

Small Cap (4.00%)

International Equity (7.00%)

International Equity (6.00%)

Emerging Market Equity (6.00%)

Short Term Fixed Income (6.00%)

Short Term Fixed Income (5.00%)

Intermediate Fixed Inc (25.00%)

Intermediate Fixed Inc (19.00%)

Long Term Fixed Income (10.00%)

Long Term Fixed Income (7.00%)

Intl Fixed Income (8.00%)

Intl Fixed Income (5.00%)

Emerging Market Debt (10.00%)

Emerging Market Debt (4.00%)

High Yield Fixed Income (9.00%)

High Yield Fixed Income (6.00%)

REIT (3.00%)

Cash Alternative (3.00%)

Commodities (2.00%) Cash Alternative (3.00%)

Long Term Growth & Income Moderate Growth Average Return: Downside Risk:

9.1%

Average Return:

8.5%

Downside Risk:

-8.8% Large Cap (24.00%)

-10.9%

Mid Cap (12.00%)

Large Cap (28.00%)

Small Cap (10.00%)

Mid Cap (14.00%)

International Equity (8.00%)

Small Cap (14.00%)

Emerging Market Equity (7.00%)

International Equity (13.00%)

Intermediate Fixed Inc (10.00%)

Emerging Market Equity (11.00%)

Long Term Fixed Income (3.00%)

Short Term Fixed Income (3.00%)

Intl Fixed Income (5.00%)

Intermediate Fixed Inc (5.00%)

Emerging Market Debt (6.00%)

Long Term Fixed Income (2.00%)

High Yield Fixed Income (7.00%)

High Yield Fixed Income (2.00%)

REIT (3.00%)

REIT (2.00%)

Commodities (2.00%)

Commodities (4.00%)

Cash Alternative (3.00%)

Cash Alternative (2.00%)

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Jim & Susan The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return information, please see the Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio faces approximately a 5% chance each year of experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future results.

Long Term Growth Average Return: Downside Risk:

9.6% -12.6% Large Cap (28.00%) Mid Cap (16.00%) Small Cap (16.00%) International Equity (18.00%) Emerging Market Equity (14.00%) REIT (2.00%) Commodities (4.00%) Cash Alternative (2.00%)

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Current vs Strategic Allocation - Asset Class Current

Conservative Growth Equity (90.53%)

Equity (66.00%)

Fixed Income (0.04%)

Fixed Income (28.00%)

Cash Alternative (9.33%)

Alternative Investment (4.00%)

Other (0.10%)

Cash Alternative (2.00%)

Average Return: 8.7% Downside Risk: -12.5%

Average Return: Downside Risk:

8.3% -8.1%

On this Current vs Strategic Allocation report, funds, ETFs and UITs that have balanced or global allocations may be assigned to multiple asset classes based on their underlying holdings.

Long Positions Asset Class Equity Fixed Income Alternative Investment Cash Alternative Other Total:

12/06/2011

$ 1,999,720.72 $ 947.11 $ 0.00 $ 205,988.17 $ 2,256.93 $ 2,208,912.93

Current 90.53% 0.04% 0.00% 9.33% 0.10% 100.00%

$ 1,457,882.53 $ 618,495.62 $ 88,356.52 $ 44,178.26 $ 0.00 $ 2,208,912.93

Strategic 66.00% 28.00% 4.00% 2.00% 0.00% 100.00%

Difference $ - 541,838.19 - 24.53% $ 617,548.51 27.96% $ 88,356.52 4.00% $ - 161,809.91 - 7.33% $ - 2,256.93 - 0.10% $ 0.00 0.00%

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Current Allocation indicates how an investor's portfolio is allocated based on Wells Fargo Advisors asset classifications and current market value Strategic Allocation illustrates how much of an investor's portfolio should be allocated to the various asset classes based on the recommended investment plan. The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return information, please see the Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio faces approximately a 5% chance each year of experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future results. Your current portfolio allocation may classify assets based on the underlying holdings of global and balanced funds, ETFs, and UITs. Where underlying holdings are not available for classification, the asset class assigned to that security is used. Balanced funds generally invest in both stocks and bonds. Global funds generally invest in both international and domestic securities. Underlying classification data is updated periodically and the frequency of updates will vary by fund. When repositioning assets within your portfolio, it is important to note that underlying holdings of funds, ETFs and UIT shares cannot be bought or sold individually. You may only buy or sell shares of the actual funds, ETFs, and UITs. The downside risk and average return for the current allocation are calculated based on a classification of the underlying holdings for funds, ETFs, and UITs. For funds in alternative investment strategies and where underlying holdings are not available for classification, the asset class assigned to that security is used. Underlying classification data is updated periodically and the frequency of updates will vary by fund. Totals may not equal calculated amounts due to rounding differences. The Disclosures include definitions of the terms on this page and other detailed information. Market Values are based on closing prices and positions as of 12/5/2011 for security level holdings. If we have included or if you have provided us with information on accounts managed by an affiliate of Wells Fargo Advisors, including fiduciary accounts at Wells Fargo Bank, N.A., you should understand that Wells Fargo Advisors has no authority to manage or influence the management of such accounts. With respect to such accounts, the Strategic Allocation and Differences listed on this page are for information purposes only and should not be considered a recommendation from Wells Fargo Advisors or your Financial Advisor. The views, opinions, asset allocation models and forecasts may differ from our affiliates.

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Current vs Strategic Allocation - Asset Class Type Current

Conservative Growth Domestic Equity (83.64%)

Domestic Equity (46.00%)

International Equity (6.87%)

International Equity (18.00%)

Domestic Fixed Income (0.04%)

Domestic Fixed Income (26.00%)

Alternative Income (0.02%)

Alternative Income (4.00%)

Other (0.10%)

Alternative Investment (4.00%)

Cash Alternative (9.33%)

Cash Alternative (2.00%)

Average Return: 8.7% Downside Risk: -12.5%

Average Return: Downside Risk:

8.3% -8.1%

On this Current vs Strategic Allocation report, funds, ETFs and UITs that have balanced or global allocations may be assigned to multiple asset classes based on their underlying holdings.

Long Positions Asset Class Type Domestic Equity International Equity Domestic Fixed Income Alternative Income Alternative Investment Other Cash Alternative Total:

12/06/2011

$ 1,847,541.61 $ 151,666.88 $ 947.11 $ 512.23 $ 0.00 $ 2,256.93 $ 205,988.17 $ 2,208,912.93

Current 83.64% 6.87% 0.04% 0.02% 0.00% 0.10% 9.33% 100.00%

$ 1,016,099.95 $ 397,604.33 $ 574,317.36 $ 88,356.52 $ 88,356.52 $ 0.00 $ 44,178.26 $ 2,208,912.93

Strategic 46.00% 18.00% 26.00% 4.00% 4.00% 0.00% 2.00% 100.00%

Difference $ - 831,441.67 - 37.64% $ 245,937.45 11.13% $ 573,370.25 25.96% $ 87,844.29 3.98% $ 88,356.52 4.00% $ - 2,256.93 - 0.10% $ - 161,809.91 - 7.33% $ 0.00 0.00%

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Current vs Strategic Allocation - Asset Class Sub Type Current

Conservative Growth Large Cap (62.25%)

Large Cap (28.00%)

Mid Cap (9.49%)

Mid Cap (10.00%)

Small Cap (11.91%)

Small Cap (8.00%)

International Equity (6.20%)

International Equity (10.00%)

Emerging Market Equity (0.67%)

Emerging Market Equity (8.00%)

Intermediate Fixed Inc (0.00%)

Short Term Fixed Income (8.00%)

Long Term Fixed Income (0.04%)

Intermediate Fixed Inc (14.00%)

REIT (0.02%)

Long Term Fixed Income (4.00%)

Other (0.10%)

High Yield Fixed Income (2.00%)

Cash Alternative (9.33%)

REIT (2.00%) Commodities (4.00%) Cash Alternative (2.00%)

Average Return: 8.7% Downside Risk: -12.5%

Average Return: Downside Risk:

8.3% -8.1%

On this Current vs Strategic Allocation report, funds, ETFs and UITs that have balanced or global allocations may be assigned to multiple asset classes based on their underlying holdings.

Long Positions Asset Class Sub Type Large Cap Mid Cap Small Cap International Equity Emerging Market Equity Short Term Fixed Income Intermediate Fixed Inc Long Term Fixed Income High Yield Fixed Income ‡

REIT Commodities Other Cash Alternative 12/06/2011

$ 1,375,001.54 $ 209,556.00 $ 262,984.07 $ 136,904.04 $ 14,762.83 $ 0.00 $ 38.10 $ 909.00 $ 0.00

Current 62.25% 9.49% 11.91% 6.20% 0.67% 0.00% 0.00% 0.04% 0.00%

$ 618,495.62 $ 220,891.29 $ 176,713.03 $ 220,891.29 $ 176,713.03 $ 176,713.03 $ 309,247.81 $ 88,356.52 $ 44,178.26

Strategic 28.00% 10.00% 8.00% 10.00% 8.00% 8.00% 14.00% 4.00% 2.00%

$ 512.23

0.02%

$ 44,178.26

2.00%

$ 43,666.03

1.98%

$ 0.00 $ 2,256.93 $ 205,988.17

0.00% 0.10% 9.33%

$ 88,356.52 $ 0.00 $ 44,178.26

4.00% 0.00% 2.00%

$ 88,356.52 $ - 2,256.93 $ - 161,809.91

4.00% - 0.10% - 7.33%

Difference $ - 756,505.92 - 34.25% $ 11,335.29 0.51% $ - 86,271.03 - 3.91% $ 83,987.25 3.80% $ 161,950.20 7.33% $ 176,713.03 8.00% $ 309,209.71 14.00% $ 87,447.51 3.96% $ 44,178.26 2.00%

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Long Positions Asset Class Sub Type Total:

$ 2,208,912.93

Current 100.00%

$ 2,208,912.93

Strategic 100.00%

Difference $ 0.00 0.00%

‡ The REIT (or REIT Equity based on asset class) category may contain Master Limited Partnerships (MLPs) due to a statistical relationship which represents how closely two variables (REITS and MLPs in this case) track each other's movement or price changes. Current Allocation indicates how an investor's portfolio is allocated based on Wells Fargo Advisors asset classifications and current market value Strategic Allocation illustrates how much of an investor's portfolio should be allocated to the various asset classes based on the recommended investment plan. The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return information, please see the Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio faces approximately a 5% chance each year of experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future results. Your current portfolio allocation may classify assets based on the underlying holdings of global and balanced funds, ETFs, and UITs. Where underlying holdings are not available for classification, the asset class assigned to that security is used. Balanced funds generally invest in both stocks and bonds. Global funds generally invest in both international and domestic securities. Underlying classification data is updated periodically and the frequency of updates will vary by fund. When repositioning assets within your portfolio, it is important to note that underlying holdings of funds, ETFs and UIT shares cannot be bought or sold individually. You may only buy or sell shares of the actual funds, ETFs, and UITs. The downside risk and average return for the current allocation are calculated based on a classification of the underlying holdings for funds, ETFs, and UITs. For funds in alternative investment strategies and where underlying holdings are not available for classification, the asset class assigned to that security is used. Underlying classification data is updated periodically and the frequency of updates will vary by fund. Totals may not equal calculated amounts due to rounding differences. The Disclosures include definitions of the terms on this page and other detailed information. Market Values are based on closing prices and positions as of 12/5/2011 for security level holdings. If we have included or if you have provided us with information on accounts managed by an affiliate of Wells Fargo Advisors, including fiduciary accounts at Wells Fargo Bank, N.A., you should understand that Wells Fargo Advisors has no authority to manage or influence the management of such accounts. With respect to such accounts, the Strategic Allocation and Differences listed on this page are for information purposes only and should not be considered a recommendation from Wells Fargo Advisors or your Financial Advisor. The views, opinions, asset allocation models and forecasts may differ from our affiliates.

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Current vs Strategic Allocation - Asset Class Detail Current

Conservative Growth Large Cap Growth (37.85%)

Large Cap Growth (14.00%)

Large Cap Value (4.88%)

Large Cap Value (14.00%)

Large Cap Blend (19.52%)

Mid Cap Growth (5.00%)

Mid Cap Growth (9.41%)

Mid Cap Value (5.00%)

Mid Cap Value (0.08%)

Small Cap Growth (4.00%)

Small Cap Growth (0.45%)

Small Cap Value (4.00%)

Small Cap Value (1.77%)

International Equity (10.00%)

Small Cap Blend (9.68%)

Emerging Market Equity (8.00%)

International Equity (6.20%)

Short Term Taxable Fixed Income (8.00%)

Emerging Market Equity (0.67%)

Intermediate Taxable Fixed Income (14.00%)

Intermediate Taxable Fixed Income (0.00%)

Long Term Taxable Fixed Income (4.00%)

Long Term Taxable Fixed Income (0.04%)

High Yield Fixed Income (2.00%)

REIT Equity (0.02%)

REIT Equity (2.00%)

Other (0.10%)

Commodities (4.00%)

Cash Alternative (9.33%)

Cash Alternative (2.00%)

Average Return: 8.7% Downside Risk: -12.5%

Average Return: Downside Risk:

8.3% -8.1%

On this Current vs Strategic Allocation report, funds, ETFs and UITs that have balanced or global allocations may be assigned to multiple asset classes based on their underlying holdings.

Long Positions Asset Class Detail Large Cap Growth Large Cap Value Large Cap Blend Mid Cap Growth Mid Cap Value Small Cap Growth Small Cap Value Small Cap Blend International Equity Emerging Market Equity 12/06/2011

$ 836,083.80 $ 107,762.66 $ 431,155.08 $ 207,889.34 $ 1,666.66 $ 9,958.04 $ 39,153.81 $ 213,872.22 $ 136,904.04 $ 14,762.83

Current 37.85% 4.88% 19.52% 9.41% 0.08% 0.45% 1.77% 9.68% 6.20% 0.67%

$ 309,247.81 $ 309,247.81 $ 0.00 $ 110,445.65 $ 110,445.65 $ 88,356.52 $ 88,356.52 $ 0.00 $ 220,891.29 $ 176,713.03

Strategic 14.00% 14.00% 0.00% 5.00% 5.00% 4.00% 4.00% 0.00% 10.00% 8.00%

Difference $ - 526,835.99 - 23.85% $ 201,485.15 9.12% $ - 431,155.08 - 19.52% $ - 97,443.70 - 4.41% $ 108,778.99 4.92% $ 78,398.48 3.55% $ 49,202.70 2.23% $ - 213,872.22 - 9.68% $ 83,987.25 3.80% $ 161,950.20 7.33% Page 61 of 164

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Long Positions Asset Class Detail Short Term Taxable Fixed Income Intermediate Taxable Fixed Income Long Term Taxable Fixed Income High Yield Fixed Income ‡

REIT Equity Commodities Other Cash Alternative Total:

$ 0.00 $ 38.10 $ 909.00 $ 0.00

Current 0.00% 0.00% 0.04% 0.00%

$ 176,713.03 $ 309,247.81 $ 88,356.52 $ 44,178.26

Strategic 8.00% 14.00% 4.00% 2.00%

Difference $ 176,713.03 8.00% $ 309,209.71 14.00% $ 87,447.51 3.96% $ 44,178.26 2.00%

$ 512.23

0.02%

$ 44,178.26

2.00%

$ 43,666.03

1.98%

$ 0.00 $ 2,256.93 $ 205,988.17 $ 2,208,912.93

0.00% 0.10% 9.33% 100.00%

$ 88,356.52 $ 0.00 $ 44,178.26 $ 2,208,912.93

4.00% 0.00% 2.00% 100.00%

$ 88,356.52 $ - 2,256.93 $ - 161,809.91 $ 0.00

4.00% - 0.10% - 7.33% 0.00%

12/06/2011

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Current vs Strategic Allocation - Asset Class Detail with Securities On this Current vs Strategic Allocation report, funds, ETFs and UITs that have balanced or global allocations may be assigned to multiple asset classes based on their underlying holdings.

Long Positions Asset Class Detail Large Cap Growth APPLE INC CATERPILLAR INC GROWTH FUND AMERICA FD A HOME DEPOT INC MICROSOFT CORP NEW ECONOMY FD SBI CL A SMALLCAP WORLD FUND CL A

Current $ 836,083.80 37.85% $ 89,373.84 4.05% $ 37,425.07 1.69% $ 517,721.95 23.44% $ 13,289.51 0.60% $ 24,645.19 1.12% $ 152,811.33 6.92% $ 816.91 0.04%

Strategic $ 309,247.81 14.00%

$ 107,762.66 $ 12,537.61 $ 25,437.90 $ 12,957.64 $ 540.41 $ 56,289.10

4.88% 0.57% 1.15% 0.59% 0.02% 2.55%

$ 309,247.81

14.00%

Large Cap Blend DAVIS NY VENTURE FD CL A HARTFORD CAP APPREC FD-A

$ 431,155.08 $ 182,384.47 $ 248,770.61

19.52% 8.26% 11.26%

$ 0.00

0.00%

Mid Cap Growth HARTFORD MID CAP FD CL-A SMALLCAP WORLD FUND CL A

9.41% 8.99% 0.42%

$ 110,445.65

5.00%

$ - 97,443.70

- 4.41%

12.1%

$ 207,889.34 $ 198,633.68 $ 9,255.66

Mid Cap Value SMALLCAP WORLD FUND CL A

$ 1,666.66 $ 1,666.66

0.08% 0.08%

$ 110,445.65

5.00%

$ 108,778.99

4.92%

2.2%

$ 9,958.04

0.45%

$ 88,356.52

4.00%

$ 78,398.48

3.55%

Large Cap Value ALCOA INC CHEVRON CORPORATION LOWES COMPANIES INC SMALLCAP WORLD FUND CL A WELLS FARGO COMPANY

Small Cap Growth 12/06/2011

% of Fund

1.1%

0.7%

Difference $ - 526,835.99 - 23.85%

$ 201,485.15

9.12%

$ - 431,155.08 - 19.52%

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Long Positions Asset Class Detail SMALLCAP WORLD FUND CL A

% of Fund 13.0%

Current $ 9,958.04 0.45%

Strategic

Difference

$ 39,153.81 $ 35,289.25 $ 3,864.56

1.77% 1.60% 0.18%

$ 88,356.52

4.00%

$ 49,202.70

2.23%

Small Cap Blend KEELEY S/C VALU FD CL-A

$ 213,872.22 $ 213,872.22

9.68% 9.68%

$ 0.00

0.00%

$ - 213,872.22

- 9.68%

International Equity SMALLCAP WORLD FUND CL A TEMPLETON FOREIGN FD A

$ 136,904.04 $ 25,791.68 $ 111,112.36

6.20% 1.17% 5.03%

$ 220,891.29

10.00%

$ 83,987.25

3.80%

$ 14,762.83 $ 14,762.83

0.67% 0.67%

$ 176,713.03

8.00%

$ 161,950.20

7.33%

$ 0.00

0.00%

$ 176,713.03

8.00%

$ 176,713.03

8.00%

0.00% 0.00%

$ 309,247.81

14.00%

$ 309,209.71

14.00%

Small Cap Value OFFICE DEPOT INC SMALLCAP WORLD FUND CL A

Emerging Market Equity SMALLCAP WORLD FUND CL A

5.1%

33.8%

19.3%

Short Term Taxable Fixed Income Intermediate Taxable Fixed Income SMALLCAP WORLD FUND CL A

0.0%

$ 38.10 $ 38.10

Long Term Taxable Fixed Income SMALLCAP WORLD FUND CL A

$ 909.00 $ 909.00

0.04% 0.04%

$ 88,356.52

4.00%

$ 87,447.51

3.96%

1.2%

$ 0.00

0.00%

$ 44,178.26

2.00%

$ 44,178.26

2.00%

$ 512.23

0.02%

$ 44,178.26

2.00%

$ 43,666.03

1.98%

$ 512.23

0.02%

$ 0.00

0.00%

$ 88,356.52

4.00%

$ 88,356.52

4.00%

$ 2,256.93 $ 2,256.93

0.10% 0.10%

$ 0.00

0.00%

$ - 2,256.93

- 0.10%

High Yield Fixed Income ‡

REIT Equity SMALLCAP WORLD FUND CL A

0.7%

Commodities Other SMALLCAP WORLD FUND CL A 12/06/2011

3.0%

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Long Positions Asset Class Detail

% of Fund

Cash Alternative Cash Alternative SMALLCAP WORLD FUND CL A Total :

7.8%

Current $ 205,988.17 9.33% $ 200,000.00 9.05% $ 5,988.17 0.27% $ 2,208,912.93 100.00%

Strategic $ 44,178.26

Difference

2.00%

$ - 161,809.91

- 7.33%

$ 2,208,912.93 100.00%

$ 0.00

0.00%

‡ The REIT (or REIT Equity based on asset class) category may contain Master Limited Partnerships (MLPs) due to a statistical relationship which represents how closely two variables (REITS and MLPs in this case) track each other's movement or price changes. Your current portfolio allocation may classify assets based on the underlying holdings of global and balanced funds, ETFs, and UITs. Where underlying holdings are not available for classification, the asset class assigned to that security is used. Balanced funds generally invest in both stocks and bonds. Global funds generally invest in both international and domestic securities. Underlying classification data is updated periodically and the frequency of updates will vary by fund. When repositioning assets within your portfolio, it is important to note that underlying holdings of funds, ETFs and UIT shares cannot be bought or sold individually. You may only buy or sell shares of the actual funds, ETFs, and UITs. The downside risk and average return for the current allocation are calculated based on a classification of the underlying holdings for funds, ETFs, and UITs. For funds in alternative investment strategies and where underlying holdings are not available for classification, the asset class assigned to that security is used. Underlying classification data is updated periodically and the frequency of updates will vary by fund. Totals may not equal calculated amounts due to rounding differences. The Disclosures include definitions of the terms on this page and other detailed information. The securities detail can include information that you have provided and information based on our records. Our firm assumes no responsibility for the accuracy or completeness of the information you provided. Market Values are based on closing prices and positions as of 12/5/2011 for security level holdings. If we have included or if you have provided us with information on accounts managed by an affiliate of Wells Fargo Advisors, including fiduciary accounts at Wells Fargo Bank, N.A., you should understand that Wells Fargo Advisors has no authority to manage or influence the management of such accounts. With respect to such accounts, the Strategic Allocation and Differences listed on this page are for information purposes only and should not be considered a recommendation from Wells Fargo Advisors or your Financial Advisor. The views, opinions, asset allocation models and forecasts may differ from our affiliates.

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Current vs Strategic - Efficient Frontier 10

Long Term Growth

Average Return (%)

Moderate Growth 9

Long Term Growth & Income Conservative Growth

Moderate Growth & Income Long Term Income Conservative Growth & Income

Moderate Income Conservative Income

5 1

Downside Risk (%) Average Return:

Downside Risk:

Current Allocation

8.7%

-12.5%

Conservative Growth

8.3%

-8.1%

Your Recommended Investment Plan Result was calculated assuming that you will modify your strategic asset allocations, if applicable, throughout the life of the plan. The recommended strategic asset allocation reflected on this page illustrates the current recommended strategic allocation. Future allocations are illustrated on the Age Based Asset Allocation page. Each Strategic Allocation has a Historical Return and level of Downside Risk. An "efficient" portfolio allocation is designed to seek the maximum rate of return for the amount of risk assumed. The Efficient Frontier is created to represent the optimal rate of return attainable for any determined level of risk. In theory, the closer your portfolio allocation came to the efficient frontier, the more return you received for the amount of risk you assumed. The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return information, please see the Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio faces approximately a 5% chance each year of experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future results. The downside risk and average return for the current allocation are calculated based on a classification of the underlying holdings for funds, ETFs, and UITs. For funds in alternative investment strategies and where underlying holdings are not available for classification, the asset class assigned to that security is used. Underlying classification data is updated periodically and the frequency of updates will vary by fund.

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Account Summary On this Account Summary report, funds, ETFs and UITs that have balanced or global allocations may be assigned to multiple asset classes based on their underlying holdings. 88888888 (John's 529) (EXTERNAL)

Asset Allocation Large Cap Growth (29.90%) Large Cap Blend (25.03%) Small Cap Blend (29.99%) International Equity (15.08%)

Security Level - Long Positions Name DAVIS NY VENTURE FD CL A GROWTH FUND AMERICA FD A HARTFORD CAP APPREC FD-A KEELEY S/C VALU FD CL-A TEMPLETON FOREIGN FD A Long Mkt Value: Short Mkt Value: Cash Alternative Balance: Account Value:

Amount

$ 19,758.32 $ 39,590.50 $ 13,391.38 $ 39,719.13 $ 19,969.50

14.92 29.90 10.11 29.99 15.08

$ 132,428.83 $ 0.00 $ 0.00 $ 132,428.83

88888888 (Sara's 529) (EXTERNAL)

Asset Allocation Large Cap Growth (29.90%) Large Cap Blend (19.98%) Small Cap Blend (30.00%) International Equity (20.11%)

12/06/2011

Amount

$ 10,639.09 $ 21,317.96 $ 3,605.37 $ 21,387.22 $ 14,337.08

14.92 29.90 5.06 30.00 20.11

$ 71,286.72 $ 0.00 $ 0.00 $ 71,286.72

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88888888 (Joint Account) (EXTERNAL)

Asset Allocation Large Cap Growth (10.15%) Large Cap Value (6.39%) Small Cap Value (4.01%) Cash Alternative (79.46%)

Security Level - Long Positions Name

Amount

APPLE INC OFFICE DEPOT INC

$ 25,535.38 $ 10,082.64

10.15 4.01

WELLS FARGO COMPANY

$ 16,082.60

6.39

Long Mkt Value: Short Mkt Value: Cash Alternative Balance: Account Value:

$ 51,700.62 $ 0.00 $ 200,000.00 $ 251,700.62

88888888 (Jim's Profit Share Plan) (EXTERNAL)

Asset Allocation Large Cap Growth (40.75%) Large Cap Value (0.04%) Large Cap Blend (25.62%) Mid Cap Growth (13.88%) Mid Cap Value (0.11%) Small Cap Growth (0.66%) Small Cap Value (0.26%) Small Cap Blend (10.20%) International Equity (6.85%) Emerging Market Equity (0.99%) Intermediate Taxable Fixed Income (0.00%) Long Term Taxable Fixed Income (0.06%) REIT Equity (0.03%) Other (0.15%) Cash Alternative (0.40%)

12/06/2011

Security Level - Long Positions Name DAVIS NY VENTURE FD CL A GROWTH FUND AMERICA FD A HARTFORD CAP APPREC FD-A HARTFORD MID CAP FD CL-A KEELEY S/C VALU FD CL-A NEW ECONOMY FD SBI CL A SMALLCAP WORLD FUND CL A TEMPLETON FOREIGN FD A Long Mkt Value: Short Mkt Value: Cash Alternative Balance: Account Value:

Amount

$ 151,987.06 $ 456,813.49 $ 231,773.86 $ 198,633.68 $ 152,765.87 $ 152,811.33 $ 76,361.20 $ 76,805.78

10.15 30.50 15.47 13.26 10.20 10.20 5.10 5.13

$ 1,497,952.27 $ 0.00 $ 0.00 $ 1,497,952.27

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88888888 (Susan's IRA) (EXTERNAL)

Asset Allocation Large Cap Growth (54.47%) Large Cap Value (35.66%) Small Cap Value (9.86%)

Security Level - Long Positions Name

Amount

ALCOA INC APPLE INC

$ 12,537.61 $ 63,838.46

4.91 24.98

CATERPILLAR INC CHEVRON CORPORATION HOME DEPOT INC LOWES COMPANIES INC MICROSOFT CORP OFFICE DEPOT INC WELLS FARGO COMPANY

$ 37,425.07 $ 25,437.90 $ 13,289.51 $ 12,957.64 $ 24,645.19 $ 25,206.61 $ 40,206.50

14.65 9.95 5.20 5.07 9.64 9.86 15.73

Long Mkt Value: Short Mkt Value: Cash Alternative Balance: Account Value:

Security-Level Holdings: Asset Class-Level Holdings: Asset Class and Security Level Holdings: Total Holdings:

$ 255,544.49 $ 0.00 $ 0.00 $ 255,544.49

$2,208,912.93 $0.00 $0.00 $2,208,912.93

As an accommodation to you, we have included assets held away from our firm in external accounts. We assume no responsibility for the accuracy or completeness of the information you have provided with respect to these assets. We make no representation that we have performed due diligence on these assets. In some cases, we may update the pricing of securities. However, in some cases, the prices may not be updated. In addition, any transactions involving these assets will not be reflected unless you provide updated information. We rely on you to provide information in order to update the values of your external accounts. The accuracy and completeness of the information you provide may materially affect the results and any recommendations contained in this report. Your current portfolio allocation may classify assets based on the underlying holdings of global and balanced funds, ETFs, and UITs. Where underlying holdings are not available for classification, the asset class assigned to that security is used. Balanced funds generally invest in both stocks and bonds. Global funds generally invest in both international and domestic securities. Underlying classification data is updated periodically and the frequency of updates will vary by fund. When repositioning assets within your portfolio, it is important to note that underlying holdings of funds, ETFs and UIT shares cannot be bought or sold individually. You may only buy or sell shares of the actual funds, ETFs, and UITs.

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Range of Simulation Possible Outcomes Results shown in Actual dollars Percentile

Year 5

Year 10

Year 15

Year 20

Year 25

At Death

Recommended Best

$4,886,915

$7,640,219

$12,375,344

$17,640,360

$24,869,753

$70,903,539

25th

$3,937,684

$5,670,742

$7,905,019

$10,750,958

$14,163,639

$33,991,658

50th

$3,438,938

$4,494,286

$5,906,183

$7,382,520

$9,311,980

$18,815,575

75th

$3,007,515

$3,615,193

$4,340,571

$4,734,568

$5,323,310

$7,483,141

Worst

$2,453,596

$2,503,456

$2,631,338

$2,378,378

$1,629,275

$-4,084,694

The range of results are based upon the assumption that you implement the Strategic or Custom Allocation and continue with the savings and/or spending patterns you have indicated. These potential outcomes are also based upon the historical information regarding asset classes discussed in the Disclosures. These results are intended to provide you with an opportunity to evaluate your Recommended Investment Plan, including your asset allocation.

•

The Best case scenario indicates that in 5% of the simulations the investment plan achieved at least the corresponding Ending Plan Wealth.

•

The Median case scenario indicates that in 50% of the simulations the investment plan achieved at least the corresponding Ending Plan Wealth.

Envision stress tests your Recommended Investment Plan with 1,000 simulations. The above table represents various scenarios from the Best to the Worst case for this investment plan.

•

The Worst case scenario indicates that in 95% of the simulations the investment plan achieved at least the corresponding Ending Plan Wealth.

There is no guarantee these results will be achieved. The At Death column is based on either your life expectancy using standard mortality tables, or an alternative age you have indicated. Please be sure to inform us of changes to your goals, savings and spending patterns so we can incorporate changes into your Recommended Investment Plan.

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Growth Detail Graph Results shown in Actual dollars $75,000,000

$60,000,000

Investments

$45,000,000

$30,000,000

$15,000,000

-$15,000,000 52

Age (Susan Taylor)

Using Monte Carlo simulation, Envision simulates one thousand different potential outcomes over a lifetime of investing. This graph reflects the range of results of the simulated trials based on your Recommended Investment Plan. It graphically displays every tenth trial, (from the 5th through the 95th), and also identifies which "target" trial simulated the minimum ending value needed for the plan to achieve its stated goals. While this diagram depicts a wide range of possible outcomes, there is no assurance that your actual investment plan will fall within this range.

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Growth Detail Percentile Rankings Results shown in Actual dollars

12/06/2011

Percentile

Ending Value

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33

$198,598,073 $111,570,814 $92,118,149 $83,338,190 $76,657,733 $70,903,539 $67,951,746 $65,295,062 $62,310,047 $59,985,764 $58,123,758 $55,146,339 $53,082,720 $51,967,574 $50,400,031 $47,755,579 $45,511,432 $43,711,533 $42,342,005 $40,295,905 $39,126,754 $38,299,831 $37,221,997 $36,374,496 $35,188,454 $33,991,658 $33,258,010 $32,744,491 $31,853,978 $30,634,750 $29,950,450 $29,221,970 $28,569,956 $27,840,571

Age (Susan) Investment Assets are Depleted

Average Annual Simulated Return 13.43% 11.92% 11.32% 10.93% 10.43% 10.83% 10.47% 10.36% 10.50% 10.37% 10.13% 10.35% 9.72% 9.76% 9.80% 9.80% 9.82% 9.59% 9.61% 9.36% 9.50% 9.28% 9.37% 9.26% 9.11% 8.98% 9.01% 9.36% 8.72% 9.73% 9.10% 8.94% 9.14% 9.25% Page 72 of 164

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Percentile

Ending Value

34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

$27,221,509 $26,411,703 $25,578,457 $25,227,329 $24,751,884 $24,312,943 $24,044,637 $23,658,461 $23,273,387 $22,583,679 $21,508,222 $21,198,419 $20,558,779 $20,213,991 $19,686,028 $19,312,803 $18,815,575 $18,177,114 $17,499,412 $16,722,082 $16,242,507 $16,005,113 $15,378,873 $14,964,878 $14,564,720 $14,044,478 $13,764,920 $13,344,688 $12,933,905 $12,339,198 $11,879,770 $11,592,857 $11,263,009 $10,953,659 $10,767,556 $10,199,618 $9,894,648

Age (Susan) Investment Assets are Depleted

Average Annual Simulated Return 8.93% 9.07% 8.19% 9.17% 8.75% 7.97% 8.41% 7.99% 9.45% 8.44% 8.09% 8.55% 7.81% 8.51% 8.22% 8.17% 7.85% 7.86% 8.01% 8.02% 8.27% 7.46% 8.32% 7.64% 7.59% 7.63% 9.04% 7.85% 7.69% 7.95% 7.50% 8.12% 7.16% 7.24% 7.26% 8.76% 7.08% Page 73 of 164

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Jim & Susan Average Annual Simulated Return

Ending Value

71 72 73 74 75 76 77 78 79 80 81

$9,498,849 $9,103,494 $8,645,876 $7,995,447 $7,483,141 $6,972,325 $6,386,313 $6,055,036 $5,566,501 $4,926,361 $4,204,685

7.17% 6.86% 6.93% 6.92% 6.70% 6.37% 7.31% 7.69% 6.87% 5.57% 7.59%

$3,549,597

6.54%

$2,803,525 $2,358,409 $1,256,922 $750,156 $258 $-428,209 $-927,891 $-1,693,504 $-2,036,381 $-2,482,857 $-2,935,463 $-3,557,386 $-4,084,694 $-4,549,969 $-5,253,202 $-5,916,020 $-6,928,624 $-9,157,715

7.28% 7.42% 6.49% 5.84% 5.92% 5.36% 6.52% 7.03% 5.06% 6.51% 7.04% 5.56% 5.59% 4.48% 5.08% 5.30% 4.91% 5.29%

Target 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 +

Age (Susan) Investment Assets are Depleted

Percentile

94 93 90 89 88 87 85 84 83 81 80 77 73

Target Percentile represents the last trial that simulates the achievement of the plan's stated goals.

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The Percentile Rankings is a table representation of the Growth Detail Chart. It displays one hundred and one of the one thousand Monte Carlo simulations. Percentile column displays every tenth trial from the highest ending value to the lowest ending value. Ending Value for each Percentile is the corresponding ending investment value. Age Investment Assets are Depleted is the age of the longest surviving client when the assets first drop below zero and never return to a positive balance. Average Annual Simulated Return is based on the simulations associated with a specific Percentile, and represents the average return the simulation displayed for that trial.

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Total Investment Plan Target Values - Recommended Investment Plan Results shown in Actual dollars Year

Jim's Age

Susan's Age

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041

52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82

12/06/2011

Net Need/ Surplus($) 75,000 31,874 30,796 29,691 - 4,831 40,776 39,920 39,043 - 415,177 - 189,841 - 79,667 - 81,284 - 82,941 - 84,639 - 86,380 - 170,046 - 173,923 - 177,896 - 181,968 - 171,142 - 175,421 - 179,806 - 184,302 - 188,909 - 193,632 - 198,473 - 203,434 - 208,520 - 213,733 - 219,077 - 224,554

Gain/ Loss($) 22,733 289,354 - 156,822 277,719 1,131,481 - 494,896 728,806 360,118 691,299 449,062 - 184,568 252,478 56,004 215,214 - 96,504 - 446,847 276,491 636,780 1,107,667 - 467,714 - 6,242 327,387 211,391 - 10,018 384,662 306,612 273,474 - 417,348 245,789 456,148 965,452

Taxes($) - 2,702 - 11,091 - 3,351 - 3,332 - 49,891 - 5,172 - 7,153 - 16,624 - 29,250 - 9,537 - 39,744 - 40,546 - 41,368 - 42,210 - 43,074 - 70,699 - 72,275 - 73,890 - 75,545 - 69,440 - 71,176 - 72,955 - 74,779 - 76,649 - 78,565 - 80,529 - 82,542 - 84,606 - 86,721 - 88,889 - 91,111

Ending Goal Value($) 2,303,944 2,614,081 2,484,704 2,788,782 3,865,542 3,406,250 4,167,822 4,550,360 4,797,231 5,046,916 4,742,937 4,873,585 4,805,280 4,893,645 4,667,687 3,980,094 4,010,388 4,395,382 5,245,535 4,537,239 4,284,401 4,359,025 4,311,336 4,035,759 4,148,225 4,175,834 4,163,332 3,452,858 3,398,192 3,546,375 4,196,161

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Year

Jim's Age

Susan's Age

2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054

83 84 85 86 87 88 89 90 91 92 93 94 95

Net Need/ Surplus($) - 230,167 - 235,922 - 241,820 - 247,865 - 254,062 - 260,413 - 266,924 - 273,597 - 280,437 - 187,448 - 333,258 - 341,590 - 350,129

Gain/ Loss($) 554,625 87,282 - 9,224 392,742 697,238 1,063,744 1,131,205 - 37,040 252,192 603,286 - 286,034 165,976 - 146,908

Taxes($) - 93,389 - 95,724 - 98,117 - 100,570 - 103,084 - 105,661 - 120,085 - 148,541 - 141,760 - 147,490 - 169,640 - 145,796 - 142,161

Ending Goal Value($) 4,427,229 4,182,866 3,833,705 3,878,012 4,218,104 4,915,773 5,659,970 5,200,792 5,030,788 5,299,137 4,510,205 4,188,795 3,549,597

Total Investment Plan Target Values reflect the possible cash flow elements of your Recommended Investment Plan. This is based upon information you provided, tax assumptions, and the simulation results. Because this information is subject to change, your actual cash flows and results will differ. You should periodically review this information with your Financial Advisor and discuss any changes to your goals and personal situation in order to keep your Recommended Investment Plan up-to-date.

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Target Investment Plan Tax Treatment - Recommended Investment Plan Results shown in Actual dollars Year

Jim's Age

Susan's Age

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041

52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82

12/06/2011

Taxable Assets($) 271,589 314,607 312,382 363,966 481,745 434,897 532,303 545,716 129,194 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Tax Tax Advantaged Advantaged Education($) Assets($)* 2,032,355 205,812 2,299,474 188,534 2,172,321 133,020 2,424,817 102,579 3,383,796 64,366 2,971,353 21,902 3,635,520 0 4,004,644 0 4,668,037 0 5,046,917 0 4,742,937 0 4,873,586 0 4,805,280 0 4,893,645 0 4,667,687 0 3,980,094 0 4,010,388 0 4,395,382 0 5,245,535 0 4,537,239 0 4,284,401 0 4,359,026 0 4,311,336 0 4,035,759 0 4,148,224 0 4,175,834 0 4,163,332 0 3,452,857 0 3,398,192 0 3,546,375 0 4,196,162 0

Net RMD($)

117,739 143,406 129,620 127,274 134,102 137,820 134,780 143,349 150,433 156,001 136,630 140,442 152,664

Gain/ Loss($)

Taxes($)

Effective Tax Rate%

22,733 289,354 - 156,822 277,719 1,131,481 - 494,896 728,806 360,118 691,299 449,062 - 184,568 252,478 56,004 215,214 - 96,504 - 446,847 276,491 636,780 1,107,667 - 467,714 - 6,242 327,387 211,391 - 10,018 384,662 306,612 273,474 - 417,348 245,789 456,148 965,452

- 2,702 - 11,091 - 3,351 - 3,332 - 49,891 - 5,172 - 7,153 - 16,624 - 29,250 - 9,537 - 39,744 - 40,546 - 41,368 - 42,210 - 43,074 - 70,699 - 72,275 - 73,890 - 75,545 - 69,440 - 71,176 - 72,955 - 74,779 - 76,649 - 78,565 - 80,529 - 82,542 - 84,606 - 86,721 - 88,889 - 91,111

27.73 28.03 28.51 28.54 29.97 28.76 28.86 29.27 29.68 13.59 25.85 25.83 25.82 25.80 25.78 25.77 25.75 25.74 25.72 25.06 25.06 25.06 25.06 25.06 25.06 25.06 25.06 25.06 25.06 25.06 25.06

Net Cash Flow($) 75,000 31,874 30,796 29,691 - 4,831 40,776 39,920 39,043 - 415,177 - 189,841 - 79,667 - 81,284 - 82,941 - 84,639 - 86,380 - 170,046 - 173,923 - 177,896 - 181,968 - 171,142 - 175,421 - 179,806 - 184,302 - 188,909 - 193,632 - 198,473 - 203,434 - 208,520 - 213,733 - 219,077 - 224,554

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Year

Jim's Age

Susan's Age

2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054

83 84 85 86 87 88 89 90 91 92 93 94 95

Ending Goal Value($) 4,427,229 4,182,866 3,833,705 3,878,012 4,218,104 4,915,773 5,659,970 5,200,792 5,030,788 5,299,137 4,510,205 4,188,795 3,549,597

Taxable Assets($) 0 0 0 0 0 0 22,639 94,856 150,031 311,590 311,410 296,890 246,734

Tax Tax Advantaged Advantaged Education($) Assets($)* 4,427,230 0 4,182,866 0 3,833,705 0 3,878,012 0 4,218,104 0 4,915,773 0 5,637,331 0 5,105,937 0 4,880,757 0 4,987,546 0 4,198,794 0 3,891,905 0 3,302,863 0

Net RMD($)

Gain/ Loss($)

Taxes($)

Effective Tax Rate%

187,006 205,987 204,539 197,756 209,990 238,335 290,094 347,261 332,785 336,102 353,649 317,846 312,204

554,625 87,282 - 9,224 392,742 697,238 1,063,744 1,131,205 - 37,040 252,192 603,286 - 286,034 165,976 - 146,908

- 93,389 - 95,724 - 98,117 - 100,570 - 103,084 - 105,661 - 120,085 - 148,541 - 141,760 - 147,490 - 169,640 - 145,796 - 142,161

25.06 25.06 25.06 25.06 25.06 25.06 25.69 26.73 26.34 26.36 29.96 28.69 28.44

Net Cash Flow($) - 230,167 - 235,922 - 241,820 - 247,865 - 254,062 - 260,413 - 266,924 - 273,597 - 280,437 - 187,448 - 333,258 - 341,590 - 350,129

*Tax Advantaged Assets are a sum of tax deferred, tax exempt and tax advantaged education assets. Target Investment Plan Tax Treatment details cash flows and Ending Goal Values for your Recommended Investment Plan. This is based upon information you provided, tax assumptions, and the simulation results. Because this information is subject to change, your actual cash flows and results will differ. Please note that these calculations are hypothetical and do not replace actual required minimum distribution calculations which should be made each year on an individualized basis. You should periodically review this information with your Financial Advisor and discuss any changes to your goals and personal situation in order to keep your Recommended Investment Plan up-to-date.

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Target Taxable Investment Plan Value - Recommended Investment Plan Results shown in Actual dollars Year

Jim's Age

Susan's Age

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044

52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85

12/06/2011

Taxable Assets($) 271,589 314,607 312,382 363,966 481,745 434,897 532,303 545,716 129,194 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Portfolio Income($) 6,618 7,141 8,272 8,214 9,570 12,667 11,435 13,997 14,349 3,397 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Appreciation($)

Taxes($)

- 4,028 26,968 - 27,146 26,701 138,100 - 74,344 81,616 31,996 68,556 8,697 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

- 2,702 - 11,092 - 3,351 - 3,332 - 49,891 - 5,172 - 7,153 - 16,624 - 29,251 - 1,180 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Net Cash Flow($) 20,000 20,000 20,000 20,000 20,000 20,000 11,508 - 15,957 - 470,178 - 140,108 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Page 80 of 164

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Year

Jim's Age

Susan's Age

2045 2046 2047 2048 2049 2050 2051 2052 2053 2054

86 87 88 89 90 91 92 93 94 95

Taxable Assets($) 0 0 0 22,639 94,856 150,031 311,590 311,410 296,890 246,734

Portfolio Income($) 0 0 0 0 595 2,494 3,945 8,193 8,188 7,807

Appreciation($)

Taxes($)

0 0 0 0 - 743 2,105 14,047 - 25,012 3,272 - 18,219

0 0 0 - 531 - 1,299 - 1,773 - 5,085 - 3,752 - 2,236 - 1,817

Net Cash Flow($) 0 0 0 23,171 73,664 52,349 148,654 20,390 - 23,744 - 37,926

Taxable Investment Plan Values details the gain/loss components (yield and appreciation) of your taxable assets, as well as, assumed income taxes for your Recommended Investment Plan. This is based upon information you provided, tax assumptions, and the simulation results. Because this information is subject to change, your actual cash flows and results will differ. You should periodically review this information with your Financial Advisor and discuss any changes to your goals and personal situation in order to keep your Recommended Investment Plan up-to-date.

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Target Tax Advantaged Investment Plan Values - Recommended Investment Plan Results shown in Actual dollars Year

Jim's Age

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044

52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85

12/06/2011

Susan's Tax Advantaged Tax Deferred Age Assets($)* Assets($) 52 2,032,355 1,826,543 53 2,299,474 2,110,940 54 2,172,321 2,039,301 55 2,424,817 2,322,238 56 3,383,796 3,319,430 57 2,971,353 2,949,451 58 3,635,520 3,635,520 59 4,004,644 4,004,644 60 4,668,037 4,668,037 61 5,046,917 5,046,917 62 4,742,937 4,742,937 63 4,873,586 4,873,586 64 4,805,280 4,805,280 65 4,893,645 4,893,645 66 4,667,687 4,667,687 67 3,980,094 3,980,094 68 4,010,388 4,010,388 69 4,395,382 4,395,382 70 5,245,535 5,245,535 71 4,537,239 4,537,239 72 4,284,401 4,284,401 73 4,359,026 4,359,026 74 4,311,336 4,311,336 75 4,035,759 4,035,759 76 4,148,224 4,148,224 77 4,175,834 4,175,834 78 4,163,332 4,163,332 79 3,452,857 3,452,857 80 3,398,192 3,398,192 81 3,546,375 3,546,375 82 4,196,162 4,196,162 83 4,427,230 4,427,230 84 4,182,866 4,182,866 85 3,833,705 3,833,705

Tax Exempt Tax Advantaged Assets($) Education($) 0 205,812 0 188,534 0 133,020 0 102,579 0 64,366 0 21,902 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Gross Portfolio Appreciation ($) RMD($) Income($) 51,464 - 31,320 53,440 201,805 60,462 - 198,412 57,120 185,683 63,759 920,053 88,974 - 522,195 78,130 557,625 95,593 218,530 105,300 503,094 122,743 314,226 132,706 - 317,273 124,712 127,765 128,148 - 72,144 126,352 88,863 128,675 - 225,179 122,734 - 569,581 104,655 171,837 105,450 531,329 - 160,415 115,574 992,093 - 197,945 137,928 - 605,642 - 177,236 119,304 - 125,546 - 173,458 112,656 214,731 - 183,152 114,618 96,774 - 188,268 113,364 - 123,382 - 183,444 106,118 278,544 - 195,671 109,075 197,537 - 205,706 109,801 163,674 - 213,504 109,472 - 526,821 - 184,645 90,791 154,999 - 189,843 89,354 366,794 - 207,390 93,249 872,202 - 257,433 110,335 444,289 - 285,628 116,412 - 29,129 - 282,626 109,985 - 119,210

Net Cash Flow($) 0 55,000 0 11,874 0 10,796 0 9,691 0 - 24,831 0 20,776 0 28,412 0 55,000 0 55,000 - 8,356 - 49,733 - 39,744 - 79,667 - 40,546 - 81,284 - 41,368 - 82,941 - 42,210 - 84,639 - 43,074 - 86,380 - 70,699 - 170,046 - 72,275 - 173,923 - 73,890 - 177,896 - 75,546 - 181,968 - 69,440 - 171,143 - 71,176 - 175,421 - 72,956 - 179,806 - 74,779 - 184,301 - 76,648 - 188,909 - 78,565 - 193,632 - 80,529 - 198,472 - 82,542 - 203,435 - 84,606 - 208,520 - 86,721 - 213,734 - 88,890 - 219,077 - 91,111 - 224,554 - 93,389 - 230,167 - 95,723 - 235,921 - 98,117 - 241,819

Taxes($)

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Year

Jim's Age

2045 2046 2047 2048 2049 2050 2051 2052 2053 2054

86 87 88 89 90 91 92 93 94 95

Susan's Tax Advantaged Tax Deferred Age Assets($)* Assets($) 86 3,878,012 3,878,012 87 4,218,104 4,218,104 88 4,915,773 4,915,773 89 5,637,331 5,637,331 90 5,105,937 5,105,937 91 4,880,757 4,880,757 92 4,987,546 4,987,546 93 4,198,794 4,198,794 94 3,891,905 3,891,905 95 3,302,863 3,302,863

Tax Exempt Tax Advantaged Assets($) Education($) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Gross Portfolio Net Cash Appreciation ($) Taxes($) RMD($) Income($) Flow($) - 271,894 100,805 291,937 - 100,570 - 247,865 - 289,404 101,970 595,268 - 103,084 - 254,061 - 332,134 110,912 952,831 - 105,661 - 260,413 - 409,648 129,257 1,001,948 - 119,554 - 290,094 - 494,503 148,230 - 185,122 - 147,242 - 347,260 - 472,772 134,258 113,336 - 139,986 - 332,785 - 478,506 128,336 456,958 - 142,404 - 336,102 - 519,536 131,145 - 400,360 - 165,888 - 353,649 - 461,406 110,405 44,112 - 143,561 - 317,845 - 452,547 102,335 - 238,830 - 140,343 - 312,204

*Tax Advantaged Assets are a sum of tax deferred, tax exempt and tax advantaged education assets. Tax Advantaged Investment Plan Values details the gain/loss components (yield and appreciation) of your tax advantaged assets, as well as, assumed income taxes from your Recommended Investment Plan. This is based upon information you provided, tax assumptions, and the simulation results. Because this information is subject to change, your actual cash flows and results will differ. Please note that these calculations are hypothetical and do not replace actual required minimum distribution calculations which should be made each year on an individualized basis. You should periodically review this information with your Financial Advisor and discuss any changes to your goals and personal situation in order to keep your Recommended Investment Plan up-to-date.

12/06/2011

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Summary of Cash Flows - Recommended Investment Plan Results shown in Actual dollars $360,000

$270,000

$180,000

$90,000

($90,000)

($180,000)

($270,000)

($360,000)

($450,000)

($540,000) 52/52

57/57

62/62

67/67

72/72

77/77

82/82

87/87

92/92

Age (Jim / Susan)

Contributions and Income Sources

12/06/2011

Withdrawals and Ret. Income Need

Net Surplus/Need

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Results shown in Actual dollars The following table displays the detail of all planned contributions, withdrawals and income used in calculating the Investment Plan Result within Envision. The Total Need or Surplus is displayed in the last column. Need is reflected as a negative amount signifying necessary withdrawals from your investment assets. Surplus is reflected as a positive value signifying excess funds that would be added to your investment assets. Year

Jim's Age

Susan's Age

Total($)

Withdrawals & Ret. Income Need($)

Net($)

2011

75,000

2012

75,000

43,126

31,874

2013

75,000

44,204

30,796

2014

75,000

45,309

29,691

2015

75,000

79,831

- 4,831

2016

75,000

34,224

40,776

2017

75,000

35,080

39,920

2018

75,000

35,957

39,043

2019

75,000

490,177

- 415,177

2020

189,841

- 189,841

2021

114,545

194,212

- 79,667

2022

117,408

198,692

- 81,284

2023

120,344

203,284

- 82,940

2024

123,353

207,992

- 84,639

2025

126,435

212,816

- 86,381

2026

47,715

217,762

- 170,047

2027

48,908

222,831

- 173,923

2028

50,130

228,027

- 177,897

2029

51,384

233,352

- 181,968

2030

52,669

223,811

- 171,142

2031

53,985

229,406

- 175,421

2032

55,335

235,141

- 179,806

2033

56,718

241,020

- 184,302

2034

58,136

247,045

- 188,909

2035

59,589

253,222

- 193,633

12/06/2011

Contributions($) Income Sources($)

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2036

Jim's Age 77

Susan's Age 77

61,080

Withdrawals & Ret. Income Need($) 259,552

2037

62,607

266,041

- 203,434

2038

64,172

272,692

- 208,520

2039

65,776

279,509

- 213,733

2040

67,421

286,497

- 219,076

2041

69,106

293,659

- 224,553

2042

70,834

301,001

- 230,167

2043

72,605

308,526

- 235,921

2044

74,419

316,239

- 241,820

2045

76,280

324,145

- 247,865

2046

78,187

332,249

- 254,062

2047

80,142

340,555

- 260,413

2048

82,145

349,069

- 266,924

2049

84,199

357,796

- 273,597

2050

86,304

366,740

- 280,436

2051

188,462

375,909

- 187,447

2052

52,049

385,307

- 333,258

2053

53,350

394,939

- 341,589

2054

54,683

404,813

- 350,130

Year

Contributions($) Income Sources($)

Total($)

Net($) - 198,472

Summary of Cash Flows reflects the contributions and withdrawals (expected inflows and outflows of funds) assumed for your Recommended Investment Plan. This is based upon information you provided. Because this information is likely to change over time, your actual cash flow experience will differ. You should periodically review this information with your Financial Advisor and discuss any changes to your goals and personal situation in order to keep your Recommended Investment Plan up-to-date.

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Cash Flow Detail - Contributions - Recommended Investment Plan Results shown in Actual dollars

2011

Jim's Age 52

Susan's Age 52

2012

Deferred (Jim):40,000 Taxable (Joint):20,000 Deferred (Susan):15,000

2013

Deferred (Jim):40,000 Taxable (Joint):20,000 Deferred (Susan):15,000

2014

Deferred (Jim):40,000 Taxable (Joint):20,000 Deferred (Susan):15,000

2015

Deferred (Jim):40,000 Taxable (Joint):20,000 Deferred (Susan):15,000

2016

Deferred (Jim):40,000 Taxable (Joint):20,000 Deferred (Susan):15,000

2017

Deferred (Jim):40,000 Taxable (Joint):20,000 Deferred (Susan):15,000

2018

Deferred (Jim):40,000 Taxable (Joint):20,000 Deferred (Susan):15,000

2019

Deferred (Jim):40,000 Taxable (Joint):20,000 Deferred (Susan):15,000

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

2034

2035

Year

12/06/2011

Cash Flow Detail($) Deferred (Jim):40,000 Taxable (Joint):20,000 Deferred (Susan):15,000

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Year

Jim's Age

Susan's Age

2036

2037

2038

2039

2040

2041

2042

2043

2044

2045

2046

2047

2048

2049

2050

2051

2052

2053

2054

Cash Flow Detail($)

Cash Flow Detail - Schedule of Contributions reflects cash flow elements of your Recommended Investment Plan. This is based upon information you provided. Because this information is likely to change over time, your actual cash flows will differ. You should periodically review this information with your Financial Advisor and discuss any changes to your goals and personal situation in order to keep your Recommended Investment Plan up-to-date.

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Cash Flow Detail - Income from Other Sources - Recommended Investment Plan Results shown in Actual dollars

2011

Jim's Age 52

Susan's Age 52

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

-Partnership Buyout (Jim):77,170 Social Security (Jim):21,614 Social Security (Susan):15,761

2022

2023

2024

2025

2026

Social Security (Jim):27,593 Social Security (Susan):20,122

2027

Social Security (Jim):28,283 Social Security (Susan):20,625

2028

Social Security (Jim):28,990 Social Security (Susan):21,140

2029

Social Security (Jim):29,715 Social Security (Susan):21,669

2030

Social Security (Jim):30,458 Social Security (Susan):22,211

2031

Social Security (Jim):31,219 Social Security (Susan):22,766

2032

Social Security (Jim):32,000 Social Security (Susan):23,335

2033

Social Security (Jim):32,800 Social Security (Susan):23,918

Year

12/06/2011

Cash Flow Detail($) --

Partnership Buyout (Jim):79,099 Social Security (Jim):22,154 Social Security (Susan):16,155 Partnership Buyout (Jim):81,077 Social Security (Jim):22,708 Social Security (Susan):16,559 Partnership Buyout (Jim):83,104 Social Security (Jim):23,276 Social Security (Susan):16,973 Partnership Buyout (Jim):85,181 Social Security (Jim):23,857 Social Security (Susan):17,397

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Year

Jim's Age

Susan's Age

2034

Social Security (Jim):33,620 Social Security (Susan):24,516

2035

Social Security (Jim):34,460 Social Security (Susan):25,129

2036

Social Security (Jim):35,322 Social Security (Susan):25,758

2037

Social Security (Jim):36,205 Social Security (Susan):26,402

2038

Social Security (Jim):37,110 Social Security (Susan):27,062

2039

Social Security (Jim):38,038 Social Security (Susan):27,738

2040

Social Security (Jim):38,989 Social Security (Susan):28,432

2041

Social Security (Jim):39,964 Social Security (Susan):29,142

2042

Social Security (Jim):40,963 Social Security (Susan):29,871

2043

Social Security (Jim):41,987 Social Security (Susan):30,618

2044

Social Security (Jim):43,036 Social Security (Susan):31,383

2045

Social Security (Jim):44,112 Social Security (Susan):32,168

2046

Social Security (Jim):45,215 Social Security (Susan):32,972

2047

Social Security (Jim):46,346 Social Security (Susan):33,796

2048

Social Security (Jim):47,504 Social Security (Susan):34,641

2049

Social Security (Jim):48,692 Social Security (Susan):35,507

2050

2051

2052

Social Security (Jim):49,909 Social Security (Susan):36,395 Jim's Whole Life Benefit (Jim):100,000 Social Security (Jim):51,157 Social Security (Susan):37,305 Social Security (Susan):37,955 Social Security (Susan):14,094

2053

Social Security (Susan):38,904 Social Security (Susan):14,446

2054

Social Security (Susan):39,876 Social Security (Susan):14,807

Cash Flow Detail($)

Cash Flow Detail - Schedule of Income from Other Sources reflects cash flow elements of your Recommended Investment Plan. This is based upon information you provided and in some cases, estimates for Social Security. Because this information is likely to change over time, your actual cash flows will differ. You should periodically review this information with your Financial Advisor and discuss any changes to your goals and personal situation in order to keep your Recommended Investment Plan up-to-date.

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Cash Flow Detail - Withdrawals - Recommended Investment Plan Results shown in Actual dollars Year

Jim's Age

Susan's Age

2011

2012

Education (John):43,126

2013

Education (John):44,204

2014

Education (John):45,309

2015

Education (John):46,442

2016

Education (Sara):34,224

2017

Education (Sara):35,080

2018

Education (Sara):35,957

2019

Executive RV (Jim):304,601

2020

Retirement Goal (Jim):174,841

Travel (Jim):15,000

2021

Retirement Goal (Jim):179,212

Travel (Jim):15,000

2022

Retirement Goal (Jim):183,692

Travel (Jim):15,000

2023

Retirement Goal (Jim):188,284

Travel (Jim):15,000

2024

Retirement Goal (Jim):192,992

Travel (Jim):15,000

2025

Retirement Goal (Jim):197,816

Travel (Jim):15,000

2026

Retirement Goal (Jim):202,762

Travel (Jim):15,000

2027

Retirement Goal (Jim):207,831

Travel (Jim):15,000

2028

Retirement Goal (Jim):213,027

Travel (Jim):15,000

2029

Retirement Goal (Jim):218,352

Travel (Jim):15,000

2030

Retirement Goal (Jim):223,811

12/06/2011

Cash Flow Detail($)

Education (Sara):33,389

Retirement Goal (Jim):170,576

Travel (Jim):15,000

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Year

Jim's Age

Susan's Age

2031

Retirement Goal (Jim):229,406

2032

Retirement Goal (Jim):235,141

2033

Retirement Goal (Jim):241,020

2034

Retirement Goal (Jim):247,045

2035

Retirement Goal (Jim):253,222

2036

Retirement Goal (Jim):259,552

2037

Retirement Goal (Jim):266,041

2038

Retirement Goal (Jim):272,692

2039

Retirement Goal (Jim):279,509

2040

Retirement Goal (Jim):286,497

2041

Retirement Goal (Jim):293,659

2042

Retirement Goal (Jim):301,001

2043

Retirement Goal (Jim):308,526

2044

Retirement Goal (Jim):316,239

2045

Retirement Goal (Jim):324,145

2046

Retirement Goal (Jim):332,249

2047

Retirement Goal (Jim):340,555

2048

Retirement Goal (Jim):349,069

2049

Retirement Goal (Jim):357,796

2050

Retirement Goal (Jim):366,740

2051

Retirement Goal (Jim):375,909

2052

Retirement Goal (Jim):385,307

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Cash Flow Detail($)

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Year

Jim's Age

Susan's Age

2053

Retirement Goal (Jim):394,939

2054

Retirement Goal (Jim):404,813

Cash Flow Detail($)

Cash Flow Detail - Schedule of Withdrawals reflects cash flow elements of your Recommended Investment Plan. This is based upon information you provided. Because this information is likely to change over time, your actual cash flows will differ. You should periodically review this information with your Financial Advisor and discuss any changes to your goals and personal situation in order to keep your Recommended Investment Plan up-to-date.

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Investment Plan Assumptions The cash flows for this plan were last inflated on 6/22/2011*

Tax Assumptions Description Filing State Filing Status

Pre-Retirement Tax Rates Post-Retirement Tax Rates Delaware Delaware Joint Joint

Investment Assumptions Description Percentage of Capital Gains Long Term Yearly Asset Turnover Rate

Rates 50.00% 100.00%

Life Expectancy Assumptions Description Life Expectancy - Jim Taylor Life Expectancy - Susan Taylor

Age 92 95

Other Assumptions Description General Default Inflation Rate Estate Inflation Rate

Rates 2.50% 2.50%

Tax rates for each year in the plan are estimated using the federal and state tax schedules as of January 2011, less estimated standard tax deductions. This plan assumes a 20% rate for long term capital gains. Additionally, federal or state tax deductions for dependents have not been applied. For estimated tax calculations, unused capital losses are offset against future capital gains. Each year in each simulation may have a unique tax rate associated with it due to the variability of returns and cash flows. Break points for the tax schedules are inflated at 2.5% per year. Due to the complicated nature of planning and calculating federal and state income tax rates, the rates and assumptions are estimates. Your actual situation will differ from these assumptions. This analysis does not constitute tax or legal advice. Please consult with your tax professional and attorney for legal and tax advice. * Cash flows are inflated once per year on the anniversary of the investment plan’s creation date. The inflating of cash flows is necessary to keep goals, savings, income sources, etc. up to date with their specified inflation rates.

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Disclosures IMPORTANT: The projections or other information generated by Envision regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

and which are incorporated into your Recommended Investment Plan. However, there is no guarantee that these results will be achieved.

Envision Methodology Based on accepted statistical methods, Envision uses a simulation model to test your Ideal, Acceptable and Recommended Investment Plans. The simulation model uses assumptions about inflation, financial market returns and the relationships among these variables. These assumptions were derived from analysis of historical data (see Asset Class Assumptions disclosures for more information). Using Monte Carlo simulation Envision simulates 1,000 different potential outcomes over a lifetime of investing varying historical risk, return, and correlation amongst the assets. Some of these scenarios will assume strong financial market returns, similar to the best periods of history for investors. Others will be similar to the worst periods in investing history. Most scenarios will fall somewhere in between.

Envision Analysis - The Target Zone

THE ENVISION PROCESS IS NOT FINANCIAL PLANNING The Envision process helps you and your Financial Advisor clearly understand your personal values and goals. You and your Financial Advisor can then design a unique investment strategy suited to your goals and financial situation. Unlike financial planning, however, Envision does not include advanced wealth planning strategies such as estate and tax planning. It also does not include detailed cash flow, real estate or business analyses. The Envision Process The Envision process is designed to help you achieve your most important financial goals. The Envision process begins by identifying your ideal financial goals. These become inputs to your Ideal Investment Plan. The next step is to identify tolerable adjustments to your Ideal Investment Plan - for example, retiring at 65 instead of 62. This is referred to as your Acceptable Investment Plan. These two benchmarks, your Ideal and Acceptable Investment Plans, frame the Envision process. In formulating these two plans, you and your Financial Advisor identify your highest priority goals. The final step in the process is the creation of your Recommended Investment Plan. This provides a framework for allocating your assets to seek to achieve your most important financial goals. You will have the sole responsibility for determining whether, when and how to implement any of the suggestions contained in the Recommended Investment Plan. Furthermore, by accepting this Envision report, there is no requirement that you implement any of the suggestions or otherwise conduct business through the firm or its affiliates.

Envision Investment Plan Result Interpretation and Assumptions The simulated investment returns are combined with your unique financial inflows (savings) and outflows (spending goals). The end result is a statistical assessment expressed as a number referred to as the Investment Plan Result. An Investment Plan Result of 83, for example, means that in 830 of the 1,000 scenarios you would have successfully achieved all of your goals. It is important to note that the Investment Plan Result reflects the assumption that your assets are invested according to your Strategic (or Custom) allocation. It also reflects the assumption that you continue with the savings and spending patterns you have indicated

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You should not base your retirement or spending decisions solely on Envision investment plan results.

Your Envision analysis may suggest that your investment plan may have had a relatively high likelihood of meeting your goals. This concept of having a relatively high likelihood is referred to as the Target Zone. The Target Zone is the range between the 75th and 90th percentile results. This means that between 750 and 900 of the 1,000 simulations resulted in successfully achieving the goals of the investment plan. An Investment Plan Result that falls within this Target Zone suggests that your investment plan had a reasonable chance of success in the simulations. In fact, at the 75th percentile level, in 250 of the 1,000 simulations, you would have failed to achieve your financial goals. In some instances, simulations for your Acceptable Investment Plan may not provide a Investment Plan Result in the Target Zone.

Asset Class Assumptions Securities are grouped in classes based on shared characteristics, such as maturity for bonds and size of the corporation for stocks. The mix of classes best suited for an investor will depend on his or her individual investment goals and tolerance for risk. It is generally understood that as an investor takes more risk, he or she can seek a higher rate of return over time. Asset Classification for mutual funds, variable annuities and exchange-traded funds are derived from Morningstar Categories. Underlying holdings classification provided by Morningstar. ÂŠ2011 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

Asset Class Assumptions - Risk Risk calculations are used to estimate how asset classes and combinations of classes may respond during negative market environments. The downside risk calculation represents a loss that is unlikely to be exceeded in 19 out of 20 years. However, there is a 1 in 20 risk (5% probability) that the loss over a one-year period could be greater than the downside risk calculation. Risk and return figures are derived from standard investment industry statistical calculations. These are for comparative purposes and not designed to predict actual performance. This is not the maximum loss your portfolio could experience.

Asset Class Assumptions - Portfolio Implementation As outlined above, it is assumed that the implemented portfolio matches the recommended allocation model. In actuality, the implemented portfolio may or may not match the risk and return characteristics of the recommended model over time due to security selection, inability to invest in the indices, and other factors. Also, there is no guarantee that portfolios will not exceed the risk tolerance range or that historically derived results will be achieved in the future. Returns have not been reduced by sales charges or expenses typically associated with various types of investments. Your actual investment performance may be higher or lower than that of the asset class to which it was assigned. Our assumptions about risks and returns for individual asset classes are combined with assumptions about the relationships between these returns (their correlation). Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. We use our best efforts to correctly classify investments. However, no warranty of accuracy is made.

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Equity Investments:

Germany, Greece, Hong Kong, Ireland, Italy, Japan, the Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, and the United Kingdom.

Capitalization:

Investing in foreign securities such as International Investments, Emerging Markets Equity, and Emerging Markets Debt, presents certain and unique risks traditionally not associated with domestic investment, such as currency fluctuation and political and economic changes. These types of investments may focus on certain geographical regions, thereby increasing vulnerability to adverse developments in that region. This may result in greater price volatility.

Equity investments refer to buying stocks of United States companies. The investment return to the owner of stock (shareholder) is in the form of dividends and/or capital appreciation. The market capitalization of companies is used to group large, medium (Mid), and small companies. Shareholders share in both the upside potential and the downside risk. Market capitalization definitions differ but one example of capitalization methodology is that of Morningstar, which defines "large-capitalization" stocks as those stocks that form the top 70% of the market capitalization of the stocks eligible to be included in the Morningstar US Market Index (a diversified broad market index that represents approximately 97% of the market capitalization of publicly traded U.S. Stocks). The Morningstar index methodology defines "mid-capitalization" stocks as those stocks that form the 20% of market capitalization between the 70th and 90th percentile of the market capitalization and "small-capitalization" stocks as those stocks that form the 7% of market capitalization between the 90th and 97th percentile of the market capitalization of the stocks eligible to be included in the Morningstar US Market Index.

Style: Blend (sometimes referred to as Core) investing is generally characterized as a strategy that seeks to balance the portfolio of stocks between the Growth and Value styles as market conditions fluctuate. Stocks in the underlying index are designated as "growth" as they are issued by companies that typically have higher than average historical and forecasted earnings, sales, equity and cash flow growth. Stocks in the underlying index are weighted according to the total number of shares that are publicly owned and available for trading. Stocks in the underlying index are designated as "value" as they are issued by companies that typically have relatively low valuations based on price-to-earnings, price-to book value, price-to-sales, price-to-cash flow and dividend yields. The stocks in the underlying index are weighted according to the total number of shares that are publicly owned and available for trading.

Fixed Income Securities (Bonds) :

Bonds are promissory notes of a United States corporation or federal government entity (taxable bonds) or a state or local government entity (tax-exempt or municipal bonds). Bonds usually make a series of interest payments followed by a return of principal at maturity. If sold prior to maturity, the price that can be obtained for a bond may be more or less than face value, depending on interest rates at the time the bond is sold and the remaining term of the bond. Fixed income securities include Treasuries (i.e., public obligations of the U.S. Treasury that have remaining maturities of more than one year), Government-Related issues (i.e., agency, sovereign, supranational, and local authority debt), and Corporate Bonds.

Term: Short-term Bonds have effective maturities of six years or less, intermediate bonds have effective maturities between six and twelve years; and long-term bonds have maturities of twelve years or longer.

Emerging Markets Equity:

Emerging Markets Equity consists of stocks issued by publicly traded companies of the major developing countries around the world. Examples of these countries would include: Argentina, Brazil, China, Russia, and South Africa.

Alternative Income:

Distinct from traditional Fixed Income is the Alternative Income category, which includes Hi-Yield Debt, Emerging Markets Debt, and REITs. Such investments offer greater income potential, but also higher levels of risk than traditional forms of debt.

High Yield Debt: High Yield Bonds are promissory notes of a corporation or government entity that are considered to be below investment grade by bond rating services. The characterization of a high yield bond reflects the creditworthiness of the issuer and potential concerns that interest payments and return of principal may not be made as promised. High yield bonds may have maturities of various lengths.

Emerging Markets Debt: Emerging Markets Debt is comprised of external debt instruments in the developing markets. These instruments may be denominated in United States dollars or in external currencies. A large portion of the emerging market debt is issued by Argentina, Brazil, Bulgaria, Columbia, Ecuador, Egypt, Mexico, Morocco, Nigeria, Panama, Peru, Philippines, Poland, Russia, South Africa, Turkey, Ukraine and Venezuela.

Real Estate Investment Trust (REIT):

A REIT combines the capital of many investors to either acquire or provide financing for real estate.

REIT Equity:

An equity REIT usually assumes ownership status in the property in which it invests, enabling its investors to earn dividends on rental income from the property and appreciation in property sale. Equity REITs are characterized as equities or alternative income, due to their unique qualities.

REIT Mortgage: A mortgage REIT usually invests in loans and mortgages secured by real estate and derives its income from mortgage interest and fees. Some mortgage REITs also borrow money from the banks and re-lend it at higher interest rates.

Income from tax exempt bonds is generally free from federal and state taxes for residents of the issuing state. While the interest income is tax-free, capital gains if any are subject to taxes. Income of certain tax-exempt bonds may be subject to the Federal Alternative Minimum Tax (AMT).

There are special risks associated with an investment in real estate, including credit risk, interest rate fluctuations and the impact of changing economic conditions.

Multi-Class: This category is primarily used to classify investments that include a substantial

Cash Alternatives:

amount of both equity and fixed income investments, or some other combination of classes.

International Investments: International investments include any type of investment made in financially established markets outside of the United States. Various securities can be used to invest in international markets, including but not limited to fixed income securities, American Depository Receipts (ADRs), equities and funds.

Alternative Investments:

Alternative Investments encompass a range of processes to provide the investor with access to markets or investment strategies that are generally not easily accessible by individuals or smaller institutional investors. These often involve potentially higher risk strategies, such as employing leverage and / or short sales.

As of June 2007 the MSCI Europe, Australasia, Far East Index (EAFE) consisted of the following 21 developed market country indices: Australia, Austria, Belgium, Denmark, Finland, France,

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Hedge funds are complex, speculative investment vehicles and are not suitable for all investors. They are generally open to qualified investors only and carry high costs, substantial risks, and may be highly volatile. There is often limited (or even non-existent) liquidity and a lack of transparency regarding the underlying assets.

Managed Futures:

Managed futures funds combine the capital of many investors in order to invest in the global futures and forward markets. This may include currencies, stock indices, financial instruments, energy products, metals, and agricultural products. Global futures exchanges allow managers to diversify portfolios by geography and by product. Managed futures are speculative investments that are subject to a significant amount of risk.

Fund of Hedge Fund (Fund of Funds):

Currently three types of fund of funds are

classified in the Capital Markets Assumptions:

Hedge Funds - Aggressive: Hedge Funds Aggressive strategies maintain positions both long and short in primarily equity and equity derivative securities. A wide variety of investment processes can be employed to arrive at an investment decision, including both quantitative and fundamental techniques; strategies can be broadly diversified or narrowly focused on specific sectors and can range broadly in terms of levels of net exposure, leverage employed, holding period, concentrations of market capitalizations and valuation ranges of typical portfolios. Hedge Funds Aggressive managers would typically maintain at least 50% and may, in some cases, be substantially invested in equities, both long and short. Aggressive Hedge funds generally seek to make profits by buying a group of under-priced stocks/bonds and shorting a related group of overpriced stocks/bonds or indices.

Hedge Funds - Conservative:

Investment Managers who maintain positions in which the investment thesis is predicated on realization of a valuation discrepancy in the relationship between multiple securities. Managers employ a variety of fundamental and quantitative techniques to establish investment theses, and security types range broadly across equity, fixed income, derivative or other security types. Fixed income strategies are typically quantitatively driven to measure the existing relationship between instruments and in some cases, identify attractive positions in which the risk adjusted spread between these instruments represents an attractive opportunity for the investment manager. Hedge Funds Conservative positions may also be involved in corporate transactions.

Hedge Funds - Diversified: A Fund of Hedge Funds that falls under this category usually invests with hedge funds that fall under relative value and hedged equities categories. Hedg e funds are complex investment vehicles and are not suitable for all investors. Hedge funds often engage in the use of leverage and other speculative investment practices, such as short sales, options, derivatives, futures and illiquid investments that may increase the risk of investment loss.

Commodities: These assets are usually agricultural products such as corn, livestock, coffee

Other: This classification represents securities which could not be definitively classified because there is insufficient similarity between the security and the defined asset classes. There may be inconsistencies in one or more of the following factors: historical performance, investment objective or asset composition. This analysis assigns relatively high downside risk and relatively low returns to assets classified as 'Other' in order to conservatively assess their impact on the portfolio.

Envision Implemented Envision allows you to identify unrealistic expectations and create an investment plan of action. If this is the result, we will help you re-evaluate your goals, make adjustments, and create a Recommended Investment Plan that you feel is right for you. Whether you are already retired, planning for future retirement, or planning for other goals, the Envision process enables you to monitor and test your Recommended Investment Plan throughout your lifetime. You can change existing goals or add new goals in future years. Through periodic monitoring, you can assess the impact that your actual savings and spending patterns, investment returns and portfolio values have had on your Investment Plan result.

Report Disclosures The indexes mentioned in this report, such as the S&P 500 and MSCI EAFE are unmanaged indexes of common stock or fixed-income. Unmanaged indexes are for illustrative purposes only. An investor cannot invest directly in an index. The material has been prepared or is distributed solely for information purposes and does not supersede the proper use of your account statements and/or trade confirmations, which are considered to be the official and accurate records of your account activity. Any market prices are only indications of market values, are subject to change, and may not reflect the value at which securities could be sold. Additionally, the report is prepared as of trade date, rather than settlement date, and may be prepared on a different date than your statement. The information contained in this report may not reflect all holdings or transactions, their costs, or proceeds in your account. Contact your Financial Advisor for further information. The report may also include information you provided about assets held at other firms. Information on assets held away from Wells Fargo Advisors was provided by you and may not be covered by SIPC. We have relied solely on information from you regarding those assets. We do not verify or confirm those assets held with other firms or affiliates and you are responsible for notifying your Financial Advisor of any changes in your externally held investments including cost basis. Incomplete or inaccurate cost basis will affect your plan results because the tax assumptions are incorrect. Due to timing issues, if this report includes assets held at Wells Fargo Trust Company, positions and market data should be verified. Before making any decisions please validate your account information with your Financial Advisor. This report is not a substitute for your own records and the year-end 1099 form. Cost data and acquisition dates provided by you are not verified by our firm. Our firm does not render legal, accounting or tax advice. Please consult your legal tax advisors before taking any action that may have tax consequences.

and cocoa or metals such as gold, copper and silver, or energy products such as oil and natural gas. Each commodity generally has a common price internationally. For example, corn generally trades at one price on commodity markets worldwide. Commodities can either be sold on the spot market for immediate delivery or on the commodities exchanges for later delivery. Trade on commodities exchanges is usually in the form of future contracts.

Trading in futures of commodities and options is not appropriate for all persons, as the risk of loss is substantial. Therefore, except for those considered to be bona fide hedgers, only risk capital should be used in futures.

Financeware, Inc. & Wealthcare Capital Management IP, LLC are separate entities and are not directly affiliated with Wells Fargo Advisors, LLC.

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© 2001-2011 Financeware, Inc. & Wealthcare Capital Management IP, LLC - U.S. Patents 7,562,040, 7,650,303, 7,765,138 and 7,991,675 - Other international patents approved and pending. All Rights Reserved.

Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC, and Wells Fargo Advisors Financial Network, LLC, Members SIPC, nonbank affiliates of Wells Fargo and Company.

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Strategic Allocations (Standard) Additional firm-sponsored strategic allocation models may be selected for your Investment Plan that may include updated asset allocation assumptions or may vary slightly from these standard strategic allocation models. Please refer to your Current vs. Strategic Allocation page for an illustration of the allocation mix for these models.

Large Cap Growth

Conservative Conservative Growth & Growth Income 0.00% 5.00% 14.00%

5.00%

Moderate Growth & Income 9.00%

14.00%

6.00%

Long Term Growth & Income 12.00%

Large Cap Value

2.00%

5.00%

14.00%

5.00%

10.00%

14.00%

6.00%

12.00%

14.00%

Mid Cap Growth

0.00%

Mid Cap Value

0.00%

2.00%

5.00%

2.00%

5.00%

0.00%

4.00%

7.00%

0.00%

6.00%

8.00%

0.00%

4.00%

7.00%

0.00%

6.00%

8.00%

Mid Cap Blend

2.00%

0.00%

2.00%

0.00%

4.00%

0.00%

Small Cap Growth

0.00%

2.00%

4.00%

0.00%

3.00%

7.00%

0.00%

5.00%

8.00%

Small Cap Value Small Cap Blend

0.00%

2.00%

4.00%

0.00%

3.00%

7.00%

0.00%

5.00%

8.00%

0.00%

2.00%

0.00%

4.00%

0.00%

International Equity

2.00%

6.00%

10.00%

4.00%

7.00%

13.00%

6.00%

8.00%

18.00%

Emerging Market Equity Short Term Taxable Fixed Income Intermediate Taxable Fixed Income Long Term Taxable Fixed Income International Fixed Income Emerging Market Debt High Yield Fixed Income REIT Equity

0.00%

4.00%

8.00%

0.00%

6.00%

11.00%

0.00%

7.00%

14.00%

25.00%

10.00%

8.00%

18.00%

5.00%

3.00%

6.00%

0.00%

45.00%

28.00%

14.00%

31.00%

19.00%

5.00%

25.00%

10.00%

0.00%

4.00%

15.00%

4.00%

7.00%

2.00%

10.00%

3.00%

0.00%

6.00%

4.00%

0.00%

6.00%

5.00%

0.00%

8.00%

5.00%

0.00%

2.00%

3.00%

0.00%

7.00%

4.00%

0.00%

10.00%

6.00%

0.00%

4.00%

2.00%

7.00%

6.00%

2.00%

9.00%

7.00%

0.00%

3.00%

2.00%

3.00%

2.00%

3.00%

2.00%

Commodities

0.00%

2.00%

4.00%

0.00%

2.00%

4.00%

0.00%

2.00%

4.00%

Cash Alternative

5.00%

3.00%

2.00%

3.00%

2.00%

3.00%

2.00%

Name

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Conservative Income

Moderate Income

Moderate Growth

Long Term Income

Long Term Growth 14.00%

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Capital Market Assumptions Capital Market Assumptions for all asset classes assume a broadly diversified portfolio generally representative of the risks and opportunities of the asset class. To the extent that the investors portfolio is not as diversified as the assumptions made for the asset class, the return and risk potential for the portfolio may vary significantly from the assumed Capital Market Assumptions. The Capital Market Assumptions used within this illustration are based on a building-block approach of risk premiums and Sharpe Ratio Equivalency. The returns for each asset class reflect the premium above the short-term risk-free rate of return that investors are likely to demand in order to compensate for the risk of holding those assets. Sharpe ratio equivalency provides a consistent comparison of long term risk premium across various asset classes for a 10-15 year time horizon or a period, covering more than one economic cycle. These long-term assumptions may differ greatly from the short-term performance and volatility experienced by your actual investment holdings. There are no assurances that the estimates will be achieved. They have been provided as a guide to help you with your investment planning. Representative Index is provided to clients as an example of a public index that generally reflects the associated asset class. Capital Market Assumptions are not based on the Representative Index. You cannot invest directly in an index. Asset Class

Downside Risk

1 Average Annual Return Representative Index

Large Cap Growth

-16.82%

8.66%

Morningstar Large Cap Growth©

Large Cap Value

-15.96%

8.30%

Morningstar Large Cap Value©

Large Cap Blend

-16.17%

8.46%

S & P 500

Mid Cap Growth

-19.24%

9.15%

Morningstar Mid Cap Growth©

Mid Cap Value

-18.42%

8.82%

Morningstar Mid Cap Value©

-18.88%

8.94%

Morningstar Mid Cap Blend©

-20.58%

9.49%

Morningstar Small Cap Growth©

-19.69%

9.27%

Morningstar Small Cap Value©

-20.14%

9.38%

Morningstar Small Cap Blend©

-17.19%

8.88%

MSCI EAFE Index

-24.34%

10.53%

Short Term Taxable Fixed Income

0.22%

3.78%

BarCap Govt/Credit 1-3 Yr TR USD (%Total Return)

Intermediate Taxable Fixed Income

-4.04%

4.61%

BarCap US Govt/Credit Interm. TR USD (%Total Return)

Long Term Taxable Fixed Income

-7.80%

4.88%

BarCap US Govt/Credit Long TR USD (%Total Return)

Short Term Tax Exempt Fixed Income

-4.13%

3.00%

BarCap 2-4 Year Municipal Bond Index

Intermediate Tax Exempt Fixed Income

-6.68%

3.30%

BarCap 8-12 Year Municipal Bond Index

-10.11%

3.61%

BarCap 22+ year Municipal Bond Index

-5.91%

5.26%

ML Global Sovereign Bond Index

-14.19%

7.58%

J.P. Morgan Emerging Markets Bond Index Plus

High Yield Fixed Income

-14.29%

7.48%

ML US High Yield Cash Pay

REIT Equity

-14.79%

7.61%

NAREIT Equity REIT Index

Mid Cap Blend 3

Small Cap Growth Small Cap Value Small Cap Blend

International Equity

Emerging Market Equity

Long Term Tax Exempt Fixed Income 4

International Fixed Income Emerging Market Debt 2

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MSCI Emerging Market Index

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Asset Class

Downside Risk

REIT Mortgage

-20.52%

7.21%

NAREIT Mortgage REIT Index

Multi Class

-10.64%

7.24%

Blend 60% S&P 500/40% Barcap Govt./Credit Interm.

Managed Futures

-12.99%

7.51%

CISDM Fund / Pool Qualified Universe Index

-7.87%

6.58%

Hedge Fund Research Incorporated (HFRI)*

Hedge Funds - Diversified

-10.05%

7.84%

Hedge Fund Research Incorporated (HFRI)*

Hedge Funds - Aggressive

-15.08%

9.22%

Hedge Fund Research Incorporated (HFRI)*

Commodities

-19.84%

7.92%

Goldman Sachs Commodity Total Return Index

Gold

-12.96%

6.22%

London PM Fixing

Other

-25.96%

3.79%

None

0.75%

3.19%

U.S. 3 Month T-Bill

Hedge Funds - Conservative

Cash Alternative

Additional Disclosures 1

The Average Annual Return is time-weighted. It is a measure of the compound rate of growth of the asset class.

Various rating services, such as Standard and Poor's and Moody's Investor Service rate the creditworthiness of bonds. Investing in lower-rated debt securities or funds that invest in such securities involves additional risk because of the lower credit quality of the security or fund portfolio. These securities or funds are subject to a higher level of volatility and increased risk of default, or loss of principal. 3

Investing in small companies or mutual funds that invest in small companies involves additional risk. Smaller companies typically have a higher risk of failure and are not as well established as larger blue chip companies. Historically, smaller-company stocks have experienced a greater degree of price volatility than the overall market average. 4

International investing may involve special risks such as currency fluctuation, political instability, and different methods of accounting and reporting requirements.

* Hedge Fund Research, Inc. ©2011, www.hedgefundresearch.com Alternative investments carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investment minimums. They are complex investment vehicles which generally have high costs and substantial risks. They tend to be more volatile than other types of investments and present an increased risk of investment loss. There may also be a lack of transparency as to the underlying assets. Alternative investments are subject to fewer regulatory requirements than mutual funds and other registered investment company products and thus may offer investors fewer legal protections than they would have with more traditional investments. Additionally, there may be no secondary market for alternative investment interests and transferability may be limited or even prohibited.

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Portfolio Insight

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Portfolio Summary By: Security Sub Type Common Stock (13.9%) Fund (77.0%) Cash Alternative (9.1%)

Total Common Stock Joint Account (88888888) Susan's IRA (88888888) Fund Jim's Profit Share Plan (88888888) John's 529 (88888888) Cash Alternative Joint Account (88888888) Portfolio Summary Total

307,245 180,952 126,293

13.9% 8.2% 5.7%

1,701,668 427,806 1,273,862

77.0% 19.4% 57.7%

200,000 200,000

9.1% 9.1%

2,208,913

100.0%

Total Portfolio Value as of 12/05/11:__$ 2,208,913 This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Portfolio Summary - Security Detail By: Security Sub Type Common Stock (13.9%) Fund (77.0%) Cash Alternative (9.1%)

Total ID

Description

Common Stock Joint Account (88888888) AAPL * APPLE INC ODP * OFFICE DEPOT INC WFC * WELLS FARGO COMPANY Susan's IRA (88888888) AA * ALCOA INC CAT * CATERPILLAR INC CVX * CHEVRON CORPORATION HD * HOME DEPOT INC LOW * LOWES COMPANIES INC MSFT * MICROSOFT CORP Fund Jim's Profit Share Plan (88888888) * HARTFORD MID CAP FD CLHFMCX A ANEFX * NEW ECONOMY FD SBI CL A * SMALLCAP WORLD FUND SMCWX CL A John's 529 (88888888) NYVTX * DAVIS NY VENTURE FD CL A * GROWTH FUND AMERICA AGTHX FD A * HARTFORD CAP APPREC ITHAX FD-A KSCVX * KEELEY S/C VALU FD CL-A

12/06/2011

Quantity

Price

227 14,463 2,105

393.01 2.44 26.74

1,254 386 247 330 532 959

10.00 96.85 102.82 40.23 24.35 25.70

307,245 180,952 89,374 35,289 56,289 126,293 12,538 37,425 25,438 13,290 12,958 24,645

13.9% 8.2% 4.0% 1.6% 2.5% 5.7% 0.6% 1.7% 1.2% 0.6% 0.6% 1.1%

1,701,668 427,806

77.0% 19.4%

11,078

17.93

198,634

9.0%

6,247

24.46

152,811

6.9%

2,231

34.22

76,361

3.5%

5,545

32.89

1,273,862 182,384

57.7% 8.3%

17,550

29.50

517,722

23.4%

8,262

30.11

248,771

11.3%

9,005

23.75

213,872

9.7%

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ID TEMFX

Description * TEMPLETON FOREIGN FD A

Cash Alternative Joint Account (88888888) -

Quantity 17,416

200,000

Price 6.38

$ 111,112

% 5.0%

1.00

200,000 200,000 200,000

9.1% 9.1% 9.1%

Portfolio Summary Total

2,208,913 100.0%

Total Portfolio Value as of 12/05/11:__$ 2,208,913 *

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Portfolio Diversification By: Asset Class, Security Sub Type Cost($) Equity Common Stock Equity Fund Cash Alternative Cash Alternative Portfolio Diversification Total

Market Value($)

Unrealized G/L($)

2,008,913 307,245 1,701,668 200,000 200,000

200,000 200,000 2,208,913

0 0

Estimated Income Annualzd($) -

Estimated Yield Annualzd(%) -

9.1% 9.1%

100.0%

% of Portfolio 90.9% 13.9% 77.0%

Total Portfolio Value as of 12/05/11:__$ 2,208,913 This report is not a substitute for your own records and the year-end 1099 form. Cost data and acquisition dates provided by you are not verified by our firm. Our firm does not render legal, accounting or tax advice. Transactions requiring tax considerations should be reviewed carefully with your accountant or tax advisor. Unless indicated otherwise, the Price and Cost are adjusted on certain fixed income securities for amortization (if purchased at a premium), accretion (if purchased at a discount) and/or commission and fees. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions. Estimated Income Annualized (EIA) takes your current income, based on the current dividends or interest paid by your securities and multiplies it to create an annualized hypothetical figure. It does not reflect actual or future performance and should not be relied upon when making financial decisions. Estimated Yield Annualized (EYA) is the EIA divided by the current market value. It does not reflect changes in price, which may fluctuate. All annualizations are based upon current positions using a simple mathematical calculation and assumes all figures remain constant for a year; any subsequent position changes will affect these calculations. Calculations for certain types of securities could include a return of principal or capital gain, in which case the figures would be overstated. Past performance is not a guarantee of future results. As these hypothetical calculations are solely based on mathematical principles, no consideration is given for premium or discount at purchase for bonds, which will affect the yield the investor will realize on the bond if held to redemption date, called or sold prior to maturity. Dividend payments are made solely at the discretion of the issuer and are subject to be changed or eliminated at any time. Estimated Income and Estimated Yield are estimates and the actual income and yield might be lower or higher than the estimated amounts. Estimated Yield reflects only the income generated by an investment. It does not reflect changes in price, which may fluctuate. Please note, EIA and EYA are only available on client reports.

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Realized Gain and Loss By: Account Tax Status,Holding Term,Asset Class Purch Cost

Adj Cost

Proceeds($)

Gain/Loss Purch($) Adj($)

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Realized Gain and Loss - Security Detail By: Account Tax Status,Holding Term,Asset Class Description ID

Purch Date Quantity

Orig Price

Adj Price Close Price

Purch Cost

Adj Cost

Proceeds($)

Gain /Loss Purch($)

Adj($)

Close Date

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Unrealized Gain and Loss By: Account Tax Status,Holding Term,Asset Class Purch Cost Taxable Accounts Long Term Equity Term Not Available Cash Alternative

Adj Cost 247,000

251,701

4,701

47,000 47,000

51,701 51,701

4,701 4,701

200,000 200,000

0 0

1,753,497

Long Term Equity

255,544 255,544

Term Not Available Equity

Long Term Equity Unrealized Gain and Loss Total

Gain/Loss Purch($) Adj($)

247,000

Tax Deferred Accounts

Tax Advantaged Education Accounts

Mkt Value($)

1,497,952 1,497,952 245,055

245,055

203,716

-41,339

245,055 245,055

203,716 203,716

-41,339 -41,339

492,055

2,208,913

-36,639

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Unrealized Gain and Loss - Security Detail By: Account Tax Status,Holding Term,Asset Class Description ID

Purch Date

Orig Price

Adj Price

Mkt Price

Purch Cost Adj Cost

Mkt Value($)

Gain /Loss Purch($) Adj($)

Quantity

Taxable Accounts Long Term Equity * APPLE INC AAPL * OFFICE DEPOT INC ODP * WELLS FARGO COMPANY WFC

247,000

251,701

4,701

47,000

51,701

4,701

05/05/03

393.01

47,000 20,000

51,701 25,535

4,701 5,535

01/26/05

2.44

10,500

10,083

-417

08/13/04

26.74

16,500

16,083

-417

200,000

200,000 200,000

0 0

65 4,132 601

Term Not Available Cash Alternative 1.00 -

247,000

1.00

200,000

Tax Deferred Accounts

1,753,497

Long Term Equity * ALCOA INC AA * APPLE INC AAPL * CATERPILLAR INC CAT * CHEVRON CORPORATION CVX

12/06/2011

255,544

09/22/06

10.00

255,544 12,538

06/14/03

393.01

63,838

04/13/08

96.85

37,425

03/27/06

102.82

25,438

1,254 162 386 247

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Description ID Quantity * HOME DEPOT INC HD 330 * LOWES COMPANIES INC LOW 532 * MICROSOFT CORP MSFT 959 * OFFICE DEPOT INC ODP 10,331 * WELLS FARGO COMPANY WFC 1,504

Jim & Susan Purch Date

Orig Price

Adj Price

Mkt Price

Purch Cost Adj Cost

02/01/08

40.23

13,290

02/01/08

24.35

12,958

03/12/04

25.70

24,645

10/22/08

2.44

25,207

05/14/09

26.74

40,207

Term Not Available

32.89

1,497,952 151,987

29.50

456,813

30.11

231,774

17.93

198,634

23.75

152,766

24.46

152,811

34.22

76,361

6.38

76,806

Tax Advantaged Education Accounts Long Term

12/06/2011

Gain /Loss Purch($) Adj($)

1,497,952

Equity * DAVIS NY VENTURE FD CL A NYVTX 4,621 * GROWTH FUND AMERICA FD A AGTHX 15,485 * HARTFORD CAP APPREC FD-A ITHAX 7,698 * HARTFORD MID CAP FD CL-A HFMCX 11,078 * KEELEY S/C VALU FD CL-A KSCVX 6,432 * NEW ECONOMY FD SBI CL A ANEFX 6,247 * SMALLCAP WORLD FUND CL A SMCWX 2,231 * TEMPLETON FOREIGN FD A TEMFX 12,039

Equity * DAVIS NY VENTURE FD CL A NYVTX 601

Mkt Value($)

04/17/09

32.89

245,055

203,716

-41,339

245,055

203,716

-41,339

245,055 19,110

203,716 19,758

-41,339 648

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Description

Jim & Susan Purch Date

ID Quantity * DAVIS NY VENTURE FD CL A NYVTX 323 * GROWTH FUND AMERICA FD A AGTHX 1,342 * GROWTH FUND AMERICA FD A AGTHX 723 * HARTFORD CAP APPREC FD-A ITHAX 445 * HARTFORD CAP APPREC FD-A ITHAX 120 * KEELEY S/C VALU FD CL-A KSCVX 901 * KEELEY S/C VALU FD CL-A KSCVX 1,672 * TEMPLETON FOREIGN FD A TEMFX 2,247 * TEMPLETON FOREIGN FD A TEMFX 3,130

Orig Price

Adj Price

Mkt Price

Purch Cost Adj Cost

Mkt Value($)

Gain /Loss Purch($) Adj($)

06/04/09

32.89

17,640

10,639

-7,001

06/04/08

29.50

37,050

39,591

2,541

11/02/08

29.50

34,200

21,318

-12,882

01/13/08

30.11

13,650

13,391

-259

02/14/09

30.11

6,480

3,605

-2,875

03/22/07

23.75

34,200

21,387

-12,813

01/13/08

23.75

37,050

39,719

2,669

03/22/07

6.38

25,200

14,337

-10,863

04/17/09

6.38

20,475

19,970

-506

492,055

2,208,913

-36,639

Unrealized Gain and Loss Total Total Portfolio Value as of 12/05/11:__$ 2,208,913 *

Indicates that the position is not held at our firm and information associated with this position was provided by you. The information provided for assets not held at our firm has not been verified. The actual value and/or performance of these assets may differ from that shown. This report is not a substitute for your own records and the year-end 1099 form. Cost data and acquisition dates provided by you are not verified by our firm. Our firm does not render legal, accounting or tax advice. Transactions requiring tax considerations should be reviewed carefully with your accountant or tax advisor. Long-term investment assets are defined as assets that have been held for at least 366 days (more than one year) and may be subject to tax treatment as long-term capital gains. Conversely, short-term investment assets are those that have been held for one year or less and may be subject to tax treatment as short-term capital gains. Term Not Available indicates insufficient data to determine holding term. Adjusted price/cost on certain fixed income securities has been adjusted using amortization calculations for a premium or accretion for a discount. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Initial Investment (Gain/Loss) By: Position Level Initial Investment Gain/Loss does not include costs associated with reinvested shares from dividends and/or capital gains ID

Description

Quantity Purch Date

Mkt Price($)

Initial Inv Cost($)

Jim's Profit Share Plan (88888888)

Mkt Value($) Initial Inv Gain/Loss($)

427,806

HFMCX

* HARTFORD MID CAP FD CL-A

11,078.29

17.93

198,634

ANEFX

* NEW ECONOMY FD SBI CL A

6,247.40

24.46

152,811

SMCWX

* SMALLCAP WORLD FUND CL A

2,231.48

34.22

76,361

John's 529 (88888888) NYVTX

* DAVIS NY VENTURE FD CL A

AGTHX

245,055

1,273,862

1,028,807

5,545.29

32.89

36,750

182,384

145,634

* GROWTH FUND AMERICA FD A

17,549.90

29.50

71,250

517,722

446,472

ITHAX

* HARTFORD CAP APPREC FD-A

8,262.06

30.11

20,130

248,771

228,641

KSCVX

* KEELEY S/C VALU FD CL-A

9,005.15

23.75

71,250

213,872

142,622

TEMFX

* TEMPLETON FOREIGN FD A

17,415.73

6.38

45,675

111,112

65,437

247,000

380,952

133,952

393.01

20,000

89,374

69,374

1.00

200,000

Joint Account (88888888) AAPL

* APPLE INC

227.41

200,000.00 ODP

* OFFICE DEPOT INC

WFC

* WELLS FARGO COMPANY

14,462.81

2.44

10,500

35,289

24,789

2,105.05

26.74

16,500

56,289

39,789

Susan's IRA (88888888) AA

* ALCOA INC

CAT

126,293 1,253.76

09/22/06

10.00

12,538

* CATERPILLAR INC

386.42

04/13/08

96.85

37,425

CVX

* CHEVRON CORPORATION

247.40

03/27/06

102.82

25,438

* HOME DEPOT INC

330.34

02/01/08

40.23

13,290

LOW

* LOWES COMPANIES INC

532.14

02/01/08

24.35

12,958

MSFT

* MICROSOFT CORP

958.96

03/12/04

25.70

24,645

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Jim & Susan Description

Quantity Purch Date

Mkt Price($)

Initial Inv Cost($)

Initial Investment Total

492,055

Mkt Value($) Initial Inv Gain/Loss($) 2,208,913

1,716,858

Total Portfolio Value as of 12/05/11:__$ 2,208,913 *

Indicates that all or part of this position is not held at our firm and information associated with this position was provided by you. The information provided for assets not held at our firm has not been verified. The actual value and/or performance of these assets may differ from that shown. This report does NOT include all of your cost lot information. This is not an accurate representation of your gains or losses from an IRS perspective and should not be used for tax purposes. The purpose of this report is to show how much your initial investments have changed including automatic reinvestments of dividends and capital gains and change in market value. Purchase Date is the date you purchased the security. A (-) in the Purchase Date column indicated that you have multiple purchases of the security on multiple dates. The Initial Inv Gain/Loss is the Mkt Value of the shares held minus the Initial Purchase Price of the purchases excluding the costs of the reinvestments as well as all fee charges and commissions. If you purchased multiple lots of the security, the total of all Initial Investments is shown. Mkt Price is the previous business day's closing price. Mkt Value is the value of the total number of shares currently held (shares purchased plus shares acquired via reinvestment) times the Mkt Price. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Initial Investment (Gain/Loss) By: Lot Level Initial Investment Gain/Loss does not include costs associated with reinvested shares from dividends and/or capital gains ID

Description

Quantity Purch Date

Mkt Price($)

Initial Inv Cost($)

Jim's Profit Share Plan (88888888) NYVTX

* DAVIS NY VENTURE FD CL A

AGTHX

Mkt Value($) Initial Inv Gain/Loss($)

1,497,952 4,621.07

32.89

151,987

* GROWTH FUND AMERICA FD A

15,485.20

29.50

456,813

ITHAX

* HARTFORD CAP APPREC FD-A

7,697.57

30.11

231,774

HFMCX

* HARTFORD MID CAP FD CL-A

11,078.29

17.93

198,634

KSCVX

* KEELEY S/C VALU FD CL-A

6,432.25

23.75

152,766

ANEFX

* NEW ECONOMY FD SBI CL A

6,247.40

24.46

152,811

SMCWX

* SMALLCAP WORLD FUND CL A

2,231.48

34.22

76,361

TEMFX

* TEMPLETON FOREIGN FD A

12,038.52

6.38

76,806

John's 529 (88888888) NYVTX

* DAVIS NY VENTURE FD CL A

AGTHX

127,335

132,429

5,094

600.74

04/17/09

32.89

19,110

19,758

648

* GROWTH FUND AMERICA FD A

1,342.05

06/04/08

29.50

37,050

39,591

2,541

ITHAX

* HARTFORD CAP APPREC FD-A

444.75

01/13/08

30.11

13,650

13,391

-259

KSCVX

* KEELEY S/C VALU FD CL-A

1,672.38

01/13/08

23.75

37,050

39,719

2,669

TEMFX

* TEMPLETON FOREIGN FD A

3,130.02

04/17/09

6.38

20,475

19,970

-506

247,000

251,701

4,701

393.01

20,000

25,535

5,535

1.00

200,000

Joint Account (88888888) AAPL

* APPLE INC

64.97

05/05/03

200,000.00 ODP

* OFFICE DEPOT INC

WFC

* WELLS FARGO COMPANY

4,132.23

01/26/05

2.44

10,500

10,083

-417

601.44

08/13/04

26.74

16,500

16,083

-417

117,720

71,287

-46,433

Sara's 529 (88888888) NYVTX

* DAVIS NY VENTURE FD CL A

323.48

06/04/09

32.89

17,640

10,639

-7,001

AGTHX

* GROWTH FUND AMERICA FD A

722.64

11/02/08

29.50

34,200

21,318

-12,882

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Description

Quantity Purch Date

Mkt Price($)

Initial Inv Cost($)

ITHAX

* HARTFORD CAP APPREC FD-A

119.74

KSCVX

* KEELEY S/C VALU FD CL-A

TEMFX

* TEMPLETON FOREIGN FD A

02/14/09

30.11

6,480

3,605

-2,875

900.51

03/22/07

23.75

34,200

21,387

-12,813

2,247.19

03/22/07

6.38

25,200

14,337

-10,863

Susan's IRA (88888888)

Mkt Value($) Initial Inv Gain/Loss($)

255,544

* ALCOA INC

1,253.76

09/22/06

10.00

12,538

AAPL

* APPLE INC

162.43

06/14/03

393.01

63,838

CAT

* CATERPILLAR INC

386.42

04/13/08

96.85

37,425

CVX

* CHEVRON CORPORATION

247.40

03/27/06

102.82

25,438

* HOME DEPOT INC

330.34

02/01/08

40.23

13,290

LOW

* LOWES COMPANIES INC

532.14

02/01/08

24.35

12,958

MSFT

* MICROSOFT CORP

958.96

03/12/04

25.70

24,645

ODP

* OFFICE DEPOT INC

10,330.58

10/22/08

2.44

25,207

WFC

* WELLS FARGO COMPANY

1,503.61

05/14/09

26.74

40,207

Initial Investment Total

492,055

2,208,913

1,716,858

Total Portfolio Value as of 12/05/11:__$ 2,208,913 *

Indicates that the position is not held at our firm and information associated with this position was provided by you. The information provided for assets not held at our firm has not been verified. The actual value and/or performance of these assets may differ from that shown. This report does NOT include all of your cost lot information. This is not an accurate representation of your gains or losses from an IRS perspective and should not be used for tax purposes. The purpose of this report is to show how much your initial investments have changed including automatic reinvestments of dividends and capital gains and change in market value. Purchase Date is the date you purchased the security. A blank will indicate unknown Purchase Date. Initial Investment will not include the effects of sales charges and commissions. The Initial Investment Cost of reinvested lots will be shown as zero. Mkt Price is the previous business day's closing price. Mkt Value is the value of the total number of shares times the Mkt Price. The Initial Inv Gain/Loss is the Mkt Value of the shares held minus the Initial Purchase Price. It does not include the effects of fees charged or commissions. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Equity Overview Security Sub Type Security Sub Type

Sector Market Value($)

% Equity

Equity Fund Common Stock

1,701,668 307,245

84.7% 15.3%

Security Sub Type Total

2,008,913

100.0%

Sector Consumer Discretionary Consumer Staples Energy Financials Health Care Industrials Information Technology Materials Telecom Services Utilities Unclassified Total

% Equity 14.7% 5.0% 10.4% 16.1% 10.5% 13.8% 20.4% 6.1% 2.0% 1.1% 0.0% 100.0%

Total Portfolio Value as of 12/05/11: $ 2,208,913 The securities included in the Sector section are Stocks, REITs, MLPs, Mutual Funds, ETFs, CEFs, sector specific UITs, Options and Warrants. Funds include open end mutual funds, exchange-traded funds and closed end funds. Equity sectors are fully defined in the Equity Analysis section of the Understanding Your Portfolio report. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Equity Sector Weightings By: Sector Subtotals and totals are weighted averages based on market value Sector

% of Equity

20 % 16 % 12 % 8% 4% 0% Consumer Discretionary

Consumer Staples

Energy

Financials

Health Care

Industrials

Information Technology

Materials

Telecom Services

Utilities

Unclassified

Market Value Consumer Discretionary Consumer Staples Energy Financials Health Care Industrials Information Technology Materials Telecom Services Utilities Unclassified Equity Sector Weightings Total

$ 294,490 100,626 208,694 322,524 211,162 277,135 409,140 122,691 40,280 22,135

% 14.7% 5.0% 10.4% 16.1% 10.5% 13.8% 20.4% 6.1% 2.0% 1.1%

2,008,878

100.0%

Total Portfolio Value as of 12/05/11 : $2,208,913 The securities included in this report are Stocks, REITs, MLPs, Mutual Funds, ETFs, CEFs, sector specific UITs, Options and Warrants. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Equity Sector Weightings - Security Detail By: Sector Subtotals and totals are weighted averages based on market value ID

Description

Consumer Discretionary NYVTX * DAVIS NY VENTURE FD CL A

Fund%

Market Value $

5.8%

294,490 10,524

14.7% 0.5%

AGTHX

* GROWTH FUND AMERICA FD A

19.4%

100,386

5.0%

ITHAX

* HARTFORD CAP APPREC FD-A

10.3%

25,574

1.3%

HFMCX

* HARTFORD MID CAP FD CL-A

9.9%

19,645

1.0%

* HOME DEPOT INC

13,290

0.7%

KSCVX

* KEELEY S/C VALU FD CL-A

25,857

1.3%

LOW

* LOWES COMPANIES INC

12,958

0.6%

ANEFX

* NEW ECONOMY FD SBI CL A

28,515

1.4%

ODP

* OFFICE DEPOT INC

35,289

1.8%

SMCWX

* SMALLCAP WORLD FUND CL A

20.2%

15,387

0.8%

TEMFX

* TEMPLETON FOREIGN FD A

6.4%

7,067

0.4%

16.4%

100,626 29,838

5.0% 1.5%

Consumer Staples NYVTX * DAVIS NY VENTURE FD CL A

12.1% 18.7%

AGTHX

* GROWTH FUND AMERICA FD A

7.0%

35,982

1.8%

ITHAX

* HARTFORD CAP APPREC FD-A

4.7%

11,692

0.6%

HFMCX

* HARTFORD MID CAP FD CL-A

2.0%

3,953

0.2%

KSCVX

* KEELEY S/C VALU FD CL-A

4.6%

9,924

0.5%

ANEFX

* NEW ECONOMY FD SBI CL A

1.1%

1,605

0.1%

SMCWX

* SMALLCAP WORLD FUND CL A

5.2%

3,956

0.2%

TEMFX

* TEMPLETON FOREIGN FD A

3.3%

3,678

0.2%

Energy CVX

* CHEVRON CORPORATION

208,694 25,438

10.4% 1.3%

NYVTX

* DAVIS NY VENTURE FD CL A

16.0%

29,200

1.5%

AGTHX

* GROWTH FUND AMERICA FD A

11.4%

58,865

2.9%

ITHAX

* HARTFORD CAP APPREC FD-A

12.9%

32,042

1.6%

HFMCX

* HARTFORD MID CAP FD CL-A

8.3%

16,546

0.8%

KSCVX

* KEELEY S/C VALU FD CL-A

11.6%

24,809

1.2%

ANEFX

* NEW ECONOMY FD SBI CL A

1.9%

2,903

0.1%

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Fund%

Market Value

6.7%

$ 5,147

% 0.3%

SMCWX

* SMALLCAP WORLD FUND CL A

TEMFX

* TEMPLETON FOREIGN FD A

12.4%

13,745

0.7%

Financials NYVTX

* DAVIS NY VENTURE FD CL A

28.2%

322,524 51,378

16.1% 2.6%

AGTHX

* GROWTH FUND AMERICA FD A

8.3%

43,126

2.1%

ITHAX

* HARTFORD CAP APPREC FD-A

18.9%

47,067

2.3%

HFMCX

* HARTFORD MID CAP FD CL-A

12.9%

25,604

1.3%

KSCVX

* KEELEY S/C VALU FD CL-A

18.5%

39,566

2.0%

ANEFX

* NEW ECONOMY FD SBI CL A

14.1%

21,592

1.1%

SMCWX

* SMALLCAP WORLD FUND CL A

11.5%

8,789

0.4%

TEMFX

* TEMPLETON FOREIGN FD A

26.2%

29,111

1.4%

WFC

* WELLS FARGO COMPANY

56,289

2.8%

Health Care NYVTX

* DAVIS NY VENTURE FD CL A

13.2%

211,162 24,057

10.5% 1.2%

AGTHX

* GROWTH FUND AMERICA FD A

12.7%

65,802

3.3%

ITHAX

* HARTFORD CAP APPREC FD-A

11.6%

28,857

1.4%

HFMCX

* HARTFORD MID CAP FD CL-A

18.4%

36,509

1.8%

KSCVX

* KEELEY S/C VALU FD CL-A

3.6%

7,657

0.4%

ANEFX

* NEW ECONOMY FD SBI CL A

16.0%

24,480

1.2%

SMCWX

* SMALLCAP WORLD FUND CL A

14.7%

11,233

0.6%

TEMFX

* TEMPLETON FOREIGN FD A

11.3%

12,567

0.6%

Industrials CAT

* CATERPILLAR INC

277,135 37,425

13.8% 1.9%

NYVTX

* DAVIS NY VENTURE FD CL A

5.6%

10,232

0.5%

AGTHX

* GROWTH FUND AMERICA FD A

9.4%

48,511

2.4%

ITHAX

* HARTFORD CAP APPREC FD-A

15.3%

38,062

1.9%

HFMCX

* HARTFORD MID CAP FD CL-A

16.9%

33,549

1.7%

KSCVX

* KEELEY S/C VALU FD CL-A

32.6%

69,808

3.5%

ANEFX

* NEW ECONOMY FD SBI CL A

11.5%

17,619

0.9%

SMCWX

* SMALLCAP WORLD FUND CL A

16.4%

12,485

0.6%

TEMFX

* TEMPLETON FOREIGN FD A

8.5%

9,445

0.5%

409,140 89,374

20.4% 4.4%

Information Technology AAPL * APPLE INC

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Fund%

Market Value

7.0%

$ 12,822

% 0.6%

NYVTX

* DAVIS NY VENTURE FD CL A

AGTHX

* GROWTH FUND AMERICA FD A

22.9%

118,558

5.9%

ITHAX

* HARTFORD CAP APPREC FD-A

19.5%

48,510

2.4%

HFMCX

* HARTFORD MID CAP FD CL-A

20.5%

40,740

2.0%

KSCVX

* KEELEY S/C VALU FD CL-A

3.0%

6,309

0.3%

MSFT

* MICROSOFT CORP

24,645

1.2%

ANEFX

* NEW ECONOMY FD SBI CL A

26.9%

41,152

2.0%

SMCWX

* SMALLCAP WORLD FUND CL A

14.8%

11,263

0.6%

TEMFX

* TEMPLETON FOREIGN FD A

14.2%

15,767

0.8%

Materials AA

* ALCOA INC

122,691 12,538

6.1% 0.6%

NYVTX

* DAVIS NY VENTURE FD CL A

7.4%

13,551

0.7%

AGTHX

* GROWTH FUND AMERICA FD A

6.8%

35,050

1.7%

ITHAX

* HARTFORD CAP APPREC FD-A

6.4%

16,021

0.8%

HFMCX

* HARTFORD MID CAP FD CL-A

4.7%

9,376

0.5%

KSCVX

* KEELEY S/C VALU FD CL-A

11.2%

23,911

1.2%

ANEFX

* NEW ECONOMY FD SBI CL A

1.7%

2,583

0.1%

SMCWX

* SMALLCAP WORLD FUND CL A

7.1%

5,429

0.3%

TEMFX

* TEMPLETON FOREIGN FD A

3.8%

4,233

0.2%

Telecom Services NYVTX * DAVIS NY VENTURE FD CL A

0.4%

40,280 784

2.0% 0.0%

AGTHX

* GROWTH FUND AMERICA FD A

2.0%

10,510

0.5%

ITHAX

* HARTFORD CAP APPREC FD-A

0.4%

970

0.0%

HFMCX

* HARTFORD MID CAP FD CL-A

1.5%

2,940

0.1%

ANEFX

* NEW ECONOMY FD SBI CL A

6.7%

10,299

0.5%

SMCWX

* SMALLCAP WORLD FUND CL A

1.4%

1,077

0.1%

TEMFX

* TEMPLETON FOREIGN FD A

12.3%

13,700

0.7%

Utilities AGTHX

* GROWTH FUND AMERICA FD A

0.2%

22,135 932

1.1% 0.0%

HFMCX

* HARTFORD MID CAP FD CL-A

4.9%

9,753

0.5%

KSCVX

* KEELEY S/C VALU FD CL-A

2.8%

6,010

0.3%

ANEFX

* NEW ECONOMY FD SBI CL A

1.4%

2,063

0.1%

SMCWX

* SMALLCAP WORLD FUND CL A

2.1%

1,588

0.1%

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ID TEMFX

Jim & Susan Description * TEMPLETON FOREIGN FD A

Fund% 1.6%

Market Value $ 1,789

% 0.1%

2,008,878

100.0%

Unclassified Equity Sector Weightings Total Total Portfolio Value as of 12/05/11 : $2,208,913 *

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Jim & Susan

Stock Statistics By: Asset Class Detail Subtotals and totals are weighted averages based on market value of underlying securities Large Cap Growth(53.6%) Large Cap Value(34.9%) Small Cap Value(11.5%)

Description

Mkt Value($)

Div Yld

EPS($) 1 Yr Fwd

Large Cap Growth

164,734

1.10%

23.66

12.7x

10.3x

17.01%

0.6x

Large Cap Value

107,222

2.29%

5.08

9.3x

8.9x

15.55%

Small Cap Value

35,289

0.08

-49.0x

27.1x

14.47

4.4x

11.7x

Stock Statistics Total

307,245

1.39%

P/E P/E Current 1 Yr Fwd

LT Earnings Grwth 3 - 5 yr

PEG P/B Ratio Ratio

BETA 2-3 yr

Mkt Cap $ in blns

Percent of Stocks Port

4.2x

1.13

231.25

53.6%

7.5%

0.8x

1.1x

1.67

113.26

34.9%

4.9%

20.60%

1.3x

0.7x

3.73

0.55

11.5%

1.6%

16.91%

0.8x

2.7x

1.62

163.58

100.0%

13.9%

Total Portfolio Value as of 12/5/11:__$ 2,208,913 EPS 1 Year Fwd - is the estimated earnings per share for the next 12 months. There is no assurance that any forward looking statistics will be achieved. Div Yld - Dividend Yield is calculated by dividing the indicated dividend by the market price. Dividends are not guaranteed and are subject to change or elimination. Past performance is not a guarantee of future results. P/E Current - is the price-to-earnings ratio as calculated by dividing the market price by the last 12 months' earnings per share. As with any ratio, it should not be used on a stand-alone basis but instead should be compared with its industry peers. P/E 1 Yr Fwd - is the price-to-earnings ratio as calculated by dividing the market price by the estimated earnings for the next 12 months. There is no assurance that any forward looking statistics will be achieved. LT Earnings Grwth 3-5 yr - is the estimated 3-5-year earnings growth rate provided by First Call, a division of Thomson Reuters. This number represents the mean of analysts' long-term annual estimates for the specific holding. There is no assurance the earnings estimates stated will be achieved. PEG Ratio - is the P/E to growth ratio as calculated by dividing the P/E 1 Yr Fwd by the LT Earnings Grwth 3-5 yr. P/B Ratio - is Price to Book Ratio used to compare a stock's market value to its book value. It is calculated by dividing the current market price of the stock by the most recent quarter's book value (book value equals total assets minus intangible assets and liabilities). BETA 2-3 yr - is a measure of volatility, or systematic risk, of a security in comparison to the S&P 500. The BETA of the S&P 500 is 1.00. Market Cap is market price multiplied by the number of shares outstanding.

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All statistical data on this report is provided by Thomson Reuters. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Stock Statistics - Security Detail By: Asset Class Detail Subtotals and totals are weighted averages based on market value of underlying securities Large Cap Growth(53.6%) Large Cap Value(34.9%) Small Cap Value(11.5%)

Description

ID Large Cap Growth * APPLE INC AAPL * CATERPILLAR INC CAT * HOME DEPOT INC HD * MICROSOFT CORP MSFT

Mkt Value($)

Quantity

12/06/2011

EPS($) 1 Yr Fwd

227 386 330 959

14,463

P/E P/E Current 1 Yr Fwd

BETA 2-3 yr

Mkt Cap $ in blns

1.10%

23.66

12.7x

10.3x

17.01%

0.6x

38.60

13.1x

9.9x

0.6x

2.12%

9.03

13.2x

10.8x

3.18%

2.73

15.7x

14.4x

2.39%

3.04

8.8x

8.4x

18.00% 13 20.00% 3 14.95% 6 10.00% 7

4.2x

1.13

231.25

53.6%

7.5%

4.6x

0.81

337.91

29.1%

4.0%

0.5x

4.3x

2.11

56.07

12.2%

1.7%

1.0x

2.8x

0.90

57.05

4.3%

0.6%

0.8x

3.4x

0.97

204.42

8.0%

1.1%

107,222

2.29%

5.08

9.3x

8.9x

12,538 10.00 25,438 102.82 12,958 24.35 56,289 26.74

1.34%

1.01

9.4x

9.9x

15.55%

0.8x

1.1x

1.67

113.26

34.9%

4.9%

40.90% 2 4.75% 4 13.35% 6 15.30% 6

0.2x

0.6x

2.09

9.53

4.1%

0.6%

3.51%

12.85

6.8x

8.0x

1.7x

1.5x

0.94

183.79

8.3%

1.2%

1.85%

1.78

16.4x

13.5x

1.0x

1.6x

1.23

28.58

4.2%

0.6%

2.04%

3.24

8.7x

8.0x

0.5x

1.0x

2.00

123.98

18.3%

2.5%

35,289

0.08

-49.0x

35,289 2.44

0.08

-49.0x

27.1x

20.60%

1.3x

0.7x

3.73

0.55

11.5%

1.6%

27.1x

20.60% 2

1.3x

0.7x

3.73

0.55

11.5%

1.6%

Mkt Price 164,734

Large Cap Value * ALCOA INC AA 1,254 * CHEVRON CORPORATION CVX 247 * LOWES COMPANIES INC LOW 532 * WELLS FARGO COMPANY WFC 2,105 Small Cap Value * OFFICE DEPOT INC ODP

Div Yld

89,374 393.01 37,425 96.85 13,290 40.23 24,645 25.70

LT Earnings Grwth 3 - 5 yr # Estimates

PEG P/B Ratio Ratio

Percent of Stocks Port

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Description

ID Stock Statistics Total

Quantity

Mkt Value($)

Div Yld

EPS($) 1 Yr Fwd

Mkt Price 307,245

1.39%

14.47

P/E P/E Current 1 Yr Fwd

4.4x

11.7x

LT Earnings Grwth 3 - 5 yr # Estimates 16.91%

PEG P/B Ratio Ratio

0.8x

2.7x

BETA 2-3 yr

Mkt Cap $ in blns

1.62

163.58

Percent of Stocks Port

100.0%

13.9%

Total Portfolio Value as of 12/5/11:__$ 2,208,913 *Indicates that all or part of this position is not held at our firm and information associated with this position was provided by you. The information provided for assets not held at our firm has not been verified. The actual value and/or performance of these assets may differ from that shown. EPS 1 Year Fwd - is the estimated earnings per share for the next 12 months. There is no assurance that any forward looking statistics will be achieved. Div Yld - Dividend Yield is calculated by dividing the indicated dividend by the market price. Dividends are not guaranteed and are subject to change or elimination. Past performance is not a guarantee of future results. P/E Current - is the price-to-earnings ratio as calculated by dividing the market price by the last 12 months' earnings per share. As with any ratio, it should not be used on a stand-alone basis but instead should be compared with its industry peers. P/E 1 Yr Fwd - is the price-to-earnings ratio as calculated by dividing the market price by the estimated earnings for the next 12 months. There is no assurance that any forward looking statistics will be achieved. LT Earnings Grwth 3-5 yr - is the estimated 3-5-year earnings growth rate provided by First Call, a division of Thomson Reuters. This number represents the mean of analysts' long-term annual estimates for the specific holding. There is no assurance the earnings estimates stated will be achieved. PEG Ratio - is the P/E to growth ratio as calculated by dividing the P/E 1 Yr Fwd by the LT Earnings Grwth 3-5 yr. P/B Ratio - is Price to Book Ratio used to compare a stock's market value to its book value. It is calculated by dividing the current market price of the stock by the most recent quarter's book value (book value equals total assets minus intangible assets and liabilities). BETA 2-3 yr - is a measure of volatility, or systematic risk, of a security in comparison to the S&P 500. The BETA of the S&P 500 is 1.00. Market Cap is market price multiplied by the number of shares outstanding. All statistical data on this report is provided by Thomson Reuters. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Stock Ratings By: Security Type Detail ID

Description

Market Value($)

Quant Info QG QC QV

Fundamental Rating CS* S&P SB WFS

Stock-Consumer Discretionary HD * HOME DEPOT INC LOW * LOWES COMPANIES INC ODP * OFFICE DEPOT INC

61,536 13,290 12,958 35,289

91 79 11

1 2 1

1 3 1

1 1 2

3 3 3

2 2 1

Stock-Energy CVX * CHEVRON CORPORATION

25,438 25,438

Stock-Financials WFC * WELLS FARGO COMPANY

56,289 56,289

Stock-Industrials CAT * CATERPILLAR INC

37,425 37,425

Stock-Information Technology AAPL * APPLE INC MSFT * MICROSOFT CORP

114,019 89,374 24,645

84 72

1 1

Stock-Materials AA * ALCOA INC

12,538 12,538

Stock Ratings Total

307,245

1 1

% Stock

% Port

A AC

20.0% 4.3% 4.2% 11.5%

2.8% 0.6% 0.6% 1.6%

8.3% 8.3%

1.2% 1.2%

A-

18.3% 18.3%

2.5% 2.5%

A+

12.2% 12.2%

1.7% 1.7%

B A-

37.1% 29.1% 8.0%

5.2% 4.0% 1.1%

B-

4.1% 4.1%

0.6% 0.6%

4 4

1 1

1 2

S&P E&D Rating

100.0%

13.9%

Total Portfolio Value as of 12/05/11:__$ 2,208,913 *

Indicates that all or part of this position is not held at our firm and information associated with this position was provided by you. The information provided for assets not held at our firm has not been verified. The actual value and/or performance of these assets may differ from that shown. RS - Relative Strength (Price Momentum): The 9-month relative strength measures each stock's price performance over a combination of the past 3, 6, and 9 months relative to a universe of approximately 7000 stocks. Since it is a percentile score, 1 is the worst, 99 is the best. A stock with a 70 indicates that it ranks better than 70% of the approximately 7,000 equities universe it is evaluated against with respect to its price movement. (QV) Quantitative Value, (QG) Quantitative Growth and (QC) Quantitative Core represent Quantitative Analysis (QA) based on models from the Prudential Equity Group. The quantitative recommendations are below: QV1, QG1, QC1: (Positive) QV2, QG2, QC2: (Positive) QV3, QG3, QC3: (Neutral) QV4, QG4, QC4: (Negative)

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QV5, QG5, QC5: (Negative) * Investment decisions should not be completed without a thorough reading of the correspondent research report. CS (Credit Suisse): Outperform (1), Neutral (2), Underperform (3) S&P (Standard and Poor's): Strong Buy (5), Buy (4), Hold (3), Sell (2), Strong Sell (1) SB (Sanford Bernstein): Outperform (1), Market Perform (2), Underperform (3) WFS (Wells Fargo Securities, LLC): Outperform (1), Market Perform (2), Underperform (3) Wells Fargo Securities, LLC is a separate, nonbank affiliate of Wells Fargo & Company and an affiliate of Wells Fargo Advisors. S&P Earnings & Dividend (Quality) Rank - S&P's appraisal of the growth and stability of earnings and dividends over the past 10 years for individual companies are indicated by the following quality ranks. Quality Rankings are not intended to predict stock movements. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Stock Returns By: Security Type Detail Securities

Market Values($)

Unrealized Gain/Loss($)

1 Mo

Total Return Percentage 3 Mo YTD

%Stock

%Port

52 Week

Stock-Consumer Discretionary

61,536

51,036

6.99%

13.31%

-28.77%

-23.49%

20.0%

2.8%

Stock-Energy

25,438

-1.95%

6.32%

14.96%

24.14%

8.3%

1.2%

Stock-Financials

56,289

39,789

2.92%

8.24%

-14.43%

-7.86%

18.3%

2.5%

Stock-Industrials

37,425

2.50%

13.39%

4.71%

10.66%

12.2%

1.7%

Stock-Information Technology

114,019

94,019

-2.02%

2.95%

14.75%

16.82%

37.1%

5.2%

Stock-Materials

12,538

-7.38%

-17.46%

-35.07%

-29.07%

4.1%

0.6%

Stock Returns Total

307,245

260,245

1.03%

6.71%

-2.55%

2.21%

100.0%

13.9%

Total Portfolio Value as of 12/05/11:__$ 2,208,913 Total returns reflect market returns of securities and not holding returns based on your portfolio. Total Return percentage is provided by FactSet and takes into account price appreciation/depreciation and dividends paid. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Stock Returns - Security Detail By: Security Type Detail ID

Description

Market Values($)

Unrealized Gain/Loss($)

1 Mo

Stock-Consumer Discretionary HD * HOME DEPOT INC LOW * LOWES COMPANIES INC ODP * OFFICE DEPOT INC

61,536 13,290 12,958 35,289

51,036 24,789

6.99% 11.80% 13.97% 2.61%

13.31% 25.04% 29.21% 3.06%

-28.77% 17.24% -0.97% -56.30%

-23.49% 23.21% -0.34% -49.57%

20.0% 4.3% 4.2% 11.5%

2.8% 0.6% 0.6% 1.6%

Stock-Energy CVX

* CHEVRON CORPORATION

25,438 25,438

-1.95% -1.95%

6.32% 6.32%

14.96% 14.96%

24.14% 24.14%

8.3% 8.3%

1.2% 1.2%

Stock-Financials WFC

* WELLS FARGO COMPANY

56,289 56,289

39,789 39,789

2.92% 2.92%

8.24% 8.24%

-14.43% -14.43%

-7.86% -7.86%

18.3% 18.3%

2.5% 2.5%

Stock-Industrials CAT

* CATERPILLAR INC

37,425 37,425

2.50% 2.50%

13.39% 13.39%

4.71% 4.71%

10.66% 10.66%

12.2% 12.2%

1.7% 1.7%

114,019 89,374 24,645

94,019 69,374 -

-2.02% -1.94% -2.31%

2.95% 4.18% -1.52%

14.75% 20.81% -7.24%

16.82% 22.49% -3.72%

37.1% 29.1% 8.0%

5.2% 4.0% 1.1%

12,538 12,538

-7.38% -7.38%

-17.46% -17.46%

-35.07% -35.07%

-29.07% -29.07%

4.1% 4.1%

0.6% 0.6%

307,245

260,245

1.03%

6.71%

-2.55%

2.21%

100.0%

13.9%

Stock-Information Technology AAPL * APPLE INC MSFT * MICROSOFT CORP Stock-Materials AA

* ALCOA INC

Stock Returns Total

Total Return Percentage 3 Mo YTD

%Stock

%Port

52 Week

Total Portfolio Value as of 12/05/11:__$ 2,208,913 *

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Funds Performance By: Category Non-Standardized Average Total Returns as of 10/31/11 Non-standardized returns do not include the effects of sales charges. Had sales charges been included, the quoted performance would be lower. Please see below for information on the standardized performance of the funds. ID Description Total Return Relative to Peers

YTD

Net Asset Value (NAV) Price 1 yr 3 yr 5 yr

10 yr

1 yr

1% Best,100% Worst # of funds in category 3 yr 5 yr

10 yr

Foreign Large Value Open End Fund TEMFX

* TEMPLETON FOREIGN FD A

-5.59%

-3.18%

15.21%

0.59%

6.87%

-6.00%

9.05%

-3.21%

5.77%

17%

29%

361

314

257

152

5.33%

10.95%

-0.31%

3.46%

Large Blend Open End Fund NYVTX ITHAX

* DAVIS NY VENTURE FD CL A * HARTFORD CAP APPREC FD-A

-4.78% -11.78%

2.59% -5.71%

8.77% 9.81%

-1.54% -1.50%

4.41% 5.32%

82%

83%

80%

21%

1,840

1,617

1,378

825

98%

71%

79%

10%

1,840

1,617

1,378

825

6.33%

13.34%

1.77%

3.52%

86%

77%

75%

21%

1,661

1,475

1,261

794

Large Growth Open End Fund AGTHX ANEFX

* GROWTH FUND AMERICA FD A * NEW ECONOMY FD SBI CL A

-3.22% -3.00%

2.41% 0.56%

10.85% 15.29%

0.27% 1.60%

4.90% 5.64%

92%

25%

51%

11%

1,661

1,475

1,261

794

7.65%

16.41%

3.15%

5.92%

85%

86%

57%

19%

764

682

607

412

Mid-Cap Growth Open End Fund HFMCX

12/06/2011

* HARTFORD MID CAP FD CL-A

-6.09%

2.53%

12.42%

2.89%

7.94%

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Non-Standardized Average Total Returns as of 10/31/11 Non-standardized returns do not include the effects of sales charges. Had sales charges been included, the quoted performance would be lower. Please see below for information on the standardized performance of the funds. ID Description Total Return Relative to Peers

YTD

Net Asset Value (NAV) Price 1 yr 3 yr 5 yr

10 yr

1 yr

1% Best,100% Worst # of funds in category 3 yr 5 yr

10 yr

Small Blend Open End Fund KSCVX

* KEELEY S/C VALU FD CL-A

-6.01%

7.17%

9.13%

-0.73%

9.04%

6.60%

14.14%

0.77%

7.19%

44%

93%

75%

16%

651

573

487

284

-0.92%

12.46%

-0.20%

5.47%

85%

11%

24%

886

686

478

274

World Stock Open End Fund SMCWX

12/06/2011

* SMALLCAP WORLD FUND CL A

-10.99%

-5.61%

18.02%

1.54%

8.63%

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Description

Standardized Average Total Returns as of 09/30/11 Standardized performance includes the effects of sales charges as of the most recent quarter end. Return Since Inception 1 yr 3 yr 5 yr 10 yr Inception Date

Max Sales Charge

Annual Exp Ratio

Foreign Large Value TEMFX

* TEMPLETON FOREIGN FD A

10.50%

10/05/82

-14.08%

-0.66%

-2.15%

5.47%

5.75%

1.2%

Large Blend NYVTX

* DAVIS NY VENTURE FD CL A

11.14%

02/17/69

-9.70%

-3.00%

-3.91%

2.90%

4.75%

0.9%

ITHAX

* HARTFORD CAP APPREC FD-A

10.76%

07/22/96

-17.03%

-4.09%

3.78%

5.50%

1.2%

12.88%

11/30/73

-8.95%

-1.40%

-2.14%

3.82%

5.75%

0.7%

9.81%

12/01/83

-9.82%

2.32%

-0.70%

4.47%

5.75%

0.9%

9.48%

12/31/97

-12.43%

-1.81%

-0.32%

6.57%

5.50%

1.3%

9.96%

10/01/93

-8.47%

-6.98%

-3.11%

7.52%

4.50%

1.4%

8.27%

04/30/90

-16.13%

2.03%

-0.67%

7.75%

5.75%

1.1%

Large Growth AGTHX

* GROWTH FUND AMERICA FD A

ANEFX

* NEW ECONOMY FD SBI CL A

Mid-Cap Growth HFMCX

* HARTFORD MID CAP FD CL-A

Small Blend KSCVX

* KEELEY S/C VALU FD CL-A

World Stock SMCWX

* SMALLCAP WORLD FUND CL A

12/06/2011

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Non-Standardized Average Annual Total Returns Mutual fund background information, rankings and performance data are provided by Morningstar, Inc. Non-standardized Returns are calculated based on the Net Asset Value of the mutual fund including reinvestment of dividends and capital gains and DO NOT include the effects of sales charges. Had sales charges been included, the returns shown would have been lower. Annual expenses such as 12b-1 fees and management expenses are accounted for in the figures. Other share classes with different sales charges are available. The return of each class will vary, depending upon its applicable sales charge. Open End fund returns will only be displayed as returns on net asset value. Exchange Traded Funds and Closed End Funds will display returns both based on net asset value and on price (including distributions). The Peer Rank shows the Open End Fund's rank against all open end funds within its investment category based on total return and DOES NOT include the effects of sales charges. Each rank is expressed as a percentile where 1=best and 100=worst. Ranking percentages may be rounded. Investment Category is obtained from Morningstar. While the information herein has been obtained from sources we believe to be reliable, its accuracy and completeness are not guaranteed. Peer ranking is based on funds within the Morningstar category. The returns shown on the summary line for Open End Funds, Closed End Funds and Exchange Traded Funds in this Relative to Peers section show the average total returns for all the funds within the category as reported by Morningstar. Standardized Average Annual Total Returns do include the maximum sales charge. The annual expense ratio represents the total of all of a fund's annual fund operating expenses, expressed as a percentage of the fund's average net assets. This information represents past performance, which is not a guarantee of future results. Current performance may be lower or higher than the performance quoted. These returns reflect market returns of securities and not holding returns based on your portfolio. The investment return and principal value will fluctuate, and shares, when sold, may be worth more or less than their original cost. Mutual funds, Closed-End funds, and Exchange-Traded funds are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your financial advisor. Read it carefully before you invest. The percentages in the 'Max Sales Charge' column which are appended with a 'D' represent funds with a deferred load. These percentages are not included in the standardized average total return numbers. This report is not complete without the Understanding Your Portfolio report which contains important terms and definitions.

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Understanding Your Portfolio General Information Investing involves risk, including the possible loss of principal. This report is intended to provide you with a descriptive overview of your current portfolio. The report may encompass one account or multiple accounts as specified in the report. The material has been prepared or is distributed solely for information purposes and does not supersede the proper use of your Wells Fargo Advisors client statements and/or trade confirmations, which are considered to be the official and accurate records of your account activity. Any market prices are only indications of market values, are subject to change, and may not reflect the value at which the securities could be sold. Reported prices should not be considered actual bids. For these reports, in certain groupings, Corporate Bonds includes Certificates of Deposit. Additionally, the report is prepared as of trade date, rather than settlement date, and may be prepared on a different date than your statement. The information contained in this report may not reflect all holdings or transactions, their costs, or proceeds in your account. The report may also include information you provided about assets held at other firms. Information on assets held away from Wells Fargo Advisors was provided by you and may not be covered by SIPC. We have relied solely on information from you regarding those assets. We do not verify or confirm those assets held with other firms or affiliates and you are responsible for notifying your Financial Advisor of any changes in your externally held investments including cost basis. Incomplete or inaccurate cost basis will affect your plan results because the tax assumptions are incorrect. Due to timing issues, if this report includes assets held at Wells Fargo Trust Company, positions and market data should be verified. Before making any decisions please validate your account information with your Financial Advisor. The financial data used to generate this report is provided to Wells Fargo Advisors by third party vendors. While this information is believed to be reliable, it has not been verified. Security ID will be ticker symbol, CUSIP number, Security Number or, if you have provided us with a market value of a generic asset classification type, we will assign a dash. This report is not complete unless all pages noted are included. For more detailed information, including current pricing, call your Financial Advisor. If we have included or if you have provided us with information on accounts managed by an affiliate of Wells Fargo Advisors, including fiduciary accounts at Wells Fargo Bank, N.A., you should understand that Wells Fargo Advisors has no authority to manage or influence the management of such accounts. The views, opinions, asset allocation models and forecasts may differ from our affiliates. To the extent that this report includes fixed income securities, you should be aware that the descriptions of fixed income securities are general in nature and do not reflect important information that you should consider, such as but not limited to, yield, call features, credit quality, and various tax implications. Before making any decisions regarding fixed income investments, contact your advisor to obtain more detailed information regarding specific fixed income securities. Asset Classes for mutual funds, variable annuities and exchange-traded funds are derived from Morningstar Categories. Underlying holdings classification provided by Morningstar. ÂŠ2011 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

Sector Analysis 12/06/2011

Copyright 2008, Standard & Poor's The sectors in this report are based on the Global Industry Classification Standard ('GICS'). These sectors may be different than those of other institutions or sources. The sector of each security is as of the date of this report and subject to change at any time and without notice. GICS was developed by and is the exclusive property and a service mark of Morgan Stanley Capital International Inc. ('MSCI') and Standard & Poor's, a division of The McGraw-Hill Companies, Inc. ('S&P'). Neither MSCI, S&P nor any other party involved in making or compiling the GICS or any GICS classifications makes any express or implied warranties or representations with respect to such standard or classification (or the results to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties of originality, accuracy, completeness, merchantability or fitness for a particular purpose with respect to any of such standard or classification. Without limiting any of the foregoing, in no event shall MSCI, S&P, any of their affiliates or any third party involved in making or compiling the GICS or any GICS classifications have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages. S&P provides sector classification for common stocks only. The 10 sectors used in this analysis are: Energy, Materials, Consumer Discretionary, Consumer Staples, Health Care, Financials, Information Technology, Telecom Services and Utilities. For sector-specific unit investment trusts, Wells Fargo Advisors, LLC has determined the sector assignment. Equity sectors are provided by Morningstar, Standard & Poors and FT Interactive. Equity positions for which sectors are unavailable through Standard & Poors and FT Interactive will be reflected in Unclassified. Redemption date indicated is either maturity date (M), pre-refunded date (R), mandatory put or tender date (T), Dutch auction date or optional tender date (D), display date on perpetual securities (sixty years from report date) (P) or the date which would represent the average life of the maturity when measured from the date of this report (A). Because perpetual securities do not have a stated maturity date, we assign a date of sixty years from the date of the report to enable us to provide approximate yields and durations.

Stock Ratings Report Analysts' stock ratings are defined as follows: Credit Suisse Rating System: 1. Outperform: The stock's total return is expected to exceed the industry average by at least 10-15% (or more, depending on perceived risk) over the next 12 months. 2. Neutral: The stock's total return is expected to be in line with the industry average (range of plus or minus 10%) over the next 12 months. 3. Underperform: The stock's total return is expected to underperform the industry average by 10-15% or more over the next 12 months. Sanford Bernstein Rating System: Bernstein rates stocks based on relative performance for the next 6-12 months versus the S&P 500.

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1. Outperform: Stocks should outpace the market index by more than 15% in the year ahead. 2. Market Perform: Stock should perform in line with the market index to within +/-15% in the year ahead. 3. Underperform: Stock should trail the performance of the market index by more than 15% in the year ahead. Standard & Poor's STARS(Stock Appreciation Ranking System) 5-STARS: STRONG BUY - Total return is expected to outperform the total return of the S&P 500 Index by a wide margin over the coming 12 months, with shares rising in price on an absolute basis. 4-STARS: BUY - Total return is expected to outperform the total return of the S&P 500 Index over the coming 12 months, with shares rising in price on an absolute basis. 3-STARS: HOLD - Total return is expected to closely approximate that of the total return of the S&P 500 Index over the coming 12 months, with shares generally rising in price on an absolute basis. 2-STARS: SELL - Total return is expected to underperform the total return of the S&P 500 Index over the coming 12 months, and share price is not anticipated to show a gain. 1-STAR: STRONG SELL - Total return is expected to underperform the total return of the S&P 500 Index by a wide margin over the coming 12 months, with shares falling in price on an absolute basis. Wells Fargo Securities, LLC Rating System

Capitalization:

Market capitalization definitions differ but one example of capitalization methodology is that of Morningstar, which defines "large-capitalization" stocks as those stocks that form the top 70% of the market capitalization of the stocks eligible to be included in the Morningstar US Market Index (a diversified broad market index that represents approximately 97% of the market capitalization of publicly traded U.S. Stocks). The Morningstar index methodology defines "mid-capitalization" stocks as those stocks that form the 20% of market capitalization between the 70th and 90th percentile of the market capitalization and "small-capitalization" stocks as those stocks that form the 7% of market capitalization between the 90th and 97th percentile of the market capitalization of the stocks eligible to be included in the Morningstar US Market Index.

Style: Blend (sometimes referred to as Core) investing is generally characterized as a strategy that seeks to balance the portfolio of stocks between the Growth and Value styles as market conditions fluctuate. Stocks in the underlying index are designated as "growth" as they are issued by companies that typically have higher than average historical and forecasted earnings, sales, equity and cash flow growth. Stocks in the underlying i ndex are weighted according to the total number of shares that are publicly owned and available for trading. Stocks in the underlying index are designated as "value" as they are issued by companies that typically have relatively low valuations based on price-to-earnings, price-to book value, price-to-sales, price-to-cash flow and dividend yields. The stocks in the underlying index are weighted according to the total number of shares that are publicly owned and available for trading.

Cash Alternatives:

Cash Alternatives include liquid, short term and interest bearing investments. Examples are money market funds, Treasury bills and commercial paper. It is possible to lose money by investing in cash alternatives. Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC, and Wells Fargo Advisors Financial Network, LLC, Members SIPC, nonbank affiliates of Wells Fargo and Company.

1. Outperform: The stock appears attractively valued, and they believe the stock's total return will exceed that of the market over the next 12 months. Buy 2. Market Perform: The stock appears appropriately valued, and they believe the stock's total return will be in line with the market over the next 12 months. Hold 3. Underperform: The stock appears overvalued, and they believe the stock's total return will be below the market over the next 12 months. Sell There is no assurance that all expectations will be achieved.

Asset Class Descriptions The asset class descriptions below are included solely to provide insight into how individual securities are tied to specific asset classes. We use our best efforts to correctly classify investments. However, no warranty of accuracy is made.

Equity Investments: Equity investments refer to buying stocks of United States companies. The investment return to the owner of stock (shareholder) is in the form of dividends and/or capital appreciation. The market capitalization of companies is used to group large, medium (Mid), and small companies. Shareholders share in both the upside potential and the downside risk.

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Implementation

12/06/2011

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Implementation Plan Summary as of 06/01/2011 By: Asset Class Sub Type The Current value of the assets included in this Implementation plan is $ 2,208,913 The value of the assets added to this Implementation plan is $ 0 The total Proposed value of the assets within this portfolio is $ 2,208,913 Asset Class

Current ($) as of 12/5/2011

% of Portfolio Total

62% Large Cap

Small Cap

$ 2,208,913

618,495

209,557

12% 7% 8%

262,985

159,848 220,891

157,294 176,713

136,905 184,115 220,891

1% 4% 8%

14,763 88,679 176,713

Short Term Fixed Income

16% 8%

12/06/2011

$ 2,208,913

672,990

9% 7% 10%

6% 8% 10%

International Equity

Strategic ($)

1,374,999

30% 28%

Mid Cap

Emerging Market Equity

$ 2,208,913

Proposed ($)

344,944 176,713

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Asset Class

Current ($) as of 12/5/2011 38

% of Portfolio 0%

Intermediate Fixed Inc

11% 14%

High Yield Fixed Income

REIT

Commodities

Other

309,247

909

5% 4%

99,464 88,356

0% 2% 2%

0 49,277 44,178

0% 3% 2%

512 74,428 44,178

0% 3% 4%

0 73,916 88,356

0% 0% 0%

2,257 2,257 0

9% Cash Alternative

Strategic ($)

246,427

0% Long Term Fixed Income

Proposed ($)

205,988

3% 2%

55,274 44,182

Total

$ 2,208,913

Important Information % of Portfolio weightings are based on the asset class market value compared with the total portfolio market value in your Envision Plan. Current Allocation indicates how an investor's portfolio is allocated based on Wells Fargo Advisors asset classifications and current market value as of the previous day's close of business. Strategic Allocation illustrates how much of an investor's portfolio would need to be allocated to the various asset classes based on the strategic asset allocation. Proposed Allocations reflect proposed adjustments to 'Current' Asset Class allocations. The 'as of' date in the report title represents the date that the report is run.

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Amounts have been rounded to the nearest dollar. This is a preliminary implementation plan. It is intended as a discussion document only. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. This report is not the official record of your account. However, it has been prepared to assist you with your investment planning and is for informational purposes only. Your Client Statement is the official record of your account. Therefore, if there are any discrepancies between the report and your Client Statement, you should rely on the client Statement and call your local Branch Manager with any questions. This report is not complete without the plan Disclosures, please refer to the Disclosure page.

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Implementation Plan Details by Account as of 06/01/2011 By: Asset Class Sub Type The Current value of the assets included in this Implementation plan is $ 2,208,913 The value of the assets added to this Implementation plan is $ 0 The total Proposed value of the assets within this portfolio is $ 2,208,913 Joint Account, 88888888, Ext - Taxable Current: $ 251,701

Proposed Money Added: $ 0

Proposed Value: $ 251,701

Asset Class Buys

Asset Class Sells Cash Alternative

$ 150,714

Total

$ 150,714

Short Term Fixed Income Intermediate Fixed Inc

$ 112,815 $ 37,899

Total

$ 150,714

Jim's Profit Share Plan, 88888888, Ext - Tax Deferred Current: $ 1,497,953

Proposed Money Added: $ 0

Proposed Value: $ 1,497,953

Asset Class Buys

Asset Class Sells Large Cap Mid Cap Small Cap Total

$ 799,506 $ 148,264 $ 169,015 $ 1,116,785

Large Cap Mid Cap Small Cap International Equity Emerging Market Equity Short Term Fixed Income Intermediate Fixed Inc Long Term Fixed Income High Yield Fixed Income REIT Commodities Total

$ 159,118 $ 98,555 $ 147,832 $ 47,210 $ 73,916 $ 150,000 $ 144,490 $ 98,555 $ 49,277 $ 73,916 $ 73,916 $ 1,116,785

John's 529, 88888888, Ext - Tax Advantaged Education Current: $ 132,428

12/06/2011

Proposed Money Added: $ 0

Proposed Value: $ 132,428

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John's 529, 88888888, Ext - Tax Advantaged Education Asset Class Sells

Asset Class Buys

Large Cap Small Cap

$ 35,446 $ 43,944

Short Term Fixed Income Intermediate Fixed Inc

$ 15,390 $ 64,000

Total

$ 79,390

Total

$ 79,390

Sara's 529, 88888888, Ext - Tax Advantaged Education Current: $ 71,286

Proposed Money Added: $ 0

Asset Class Sells Large Cap Small Cap

$ 26,175 $ 40,564

Total

$ 66,739

Proposed Value: $ 71,286

Asset Class Buys Short Term Fixed Income

$ 66,739

Total

$ 66,739

Implementation Plan Details by Account illustrates the proposed adjustments to allocations in each of your plan accounts. Amounts have been rounded to the nearest dollar. This report is not complete without the plan Disclosures, please refer to the Disclosure page.

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Market Commentary A publication of the Wells Fargo Advisors National Sales Dept. Dan Meehan, First Vice President - Business Development Group Phil Nelson, Assitant Vice President - Business Development Group October 2011 Recap Staring into the abyss, the bull found its character. Stocks rallied in October on signs the recovery was not headed over the cliff. Third-quarter earnings season got off to a good start with more than 70% of S&P 500 companies beating analyst estimates. Better-than-expected updates on housing and manufacturing data coupled with GDP growth of 2.5% in the most recent quarter suggested investor sentiment may have gotten too pessimistic. More important, European leaders finally worked in unison to deliver a plan to resolve the region's debt crisis. Proposed measures meant to help combat a spread of the sovereign debt debacle included increasing the size of the European Financial Stability Facility (EFSF) to 1 trillion euros, Greek debt holders accepting a voluntary 50% haircut and a recapitalization of European banks. As a result, the major averages rallied sharply to snap a five-month losing streak. With the risk trade back on, the S&P 500 rose 10.93% to end the month at 1,253.30. The rally sent the index back into positive territory for the year by 1.30% on a total return basis. All 10 sectors participated in the advance. Cyclical stocks led the advance with gains of 17.60% by materials and 16.95% by the energy patch driven by higher commodity prices. M&A activity in tech helped boost the Nasdaq Composite to a total return of 11.20%. Small- and mid-cap stocks benefited with the return to risk assets with the S&P 600 index up 14.99% and the S&P Mid-Cap 400 returned 13.75%. Despite lagging relative to its peers, the Dow Jones Industrial Average posted a solid return of 9.72% to improve its year-to-date performance to 5.45% with dividends reinvested. The encouraging signs for the economy and Europe sent bids from bond land. Before a late-month rally, Treasuries fell the most since December 2010, but managed to eke out minor gains of 0.03% in October, according to Bank of America/Merrill Lynch data. This prompted the yield on the benchmark 10-year note higher to 2.11%, up from its record intra-day low of 1.67% set on September 23. As we begin November, the Advisory Services Group (ASG) at Wells Fargo Advisors believes the rally during the past month has left the U.S. stock market overbought. Overall, with the S&P 500 index currently trading within ASG's

12/06/2011

year-end target range of 1250 to 1300, it thinks the market could see a pullback after the strong October run. Therefore, it continues to advocate a balanced equity strategy with recommended overweight allocations to defensive telecom and utilities along with cyclical industrial and material sectors. Furthermore, investors should consider using the recent rally as an opportunity to review their portfolios to make sure they align with their investment objectives and risk tolerance. On the fixed-income front, ASG advises investors to consider shifting their allocations into the corporate sector. It also recommends an allocation to the preferred market, preferably through a diversified basket. ASG also believes municipal bonds continue to present relative value opportunities in singleA rated or better general obligation and essential service revenue bonds. Investors with a long-term investment horizon who are willing to be exposed to continued volatility, may also consider adding to high-yield allocations at current levels. Despite some positive developments out of the euro zone, ASG remains cautious as the plan has yet to be fully worked out and promises to be complex. Overall, ASG believes international markets could remain in recent trading ranges over the coming quarters. Therefore, it advises incomeoriented investors to avoid taking on additional risks. However, growth-oriented investors may wish to consider using the current market stability to gradually take their core positions up to ASG recommended levels and use ASG's favorite international markets to be tactically defensive. Important Information, Risk Factors and Disclaimers Asset allocation/diversification cannot eliminate the risk of fluctuating prices and uncertain returns. There are no assurances that any target prices noted will be achieved. Investing in fixed income securities involves certain risks such as market risk if sold prior to maturity and credit risk, especially if investing in high yield bonds, which have lower ratings and are subject to greater volatility. All fixed income investments may be worth less than the original cost upon redemption or maturity. Bond prices fluctuate inversely to changes in interestrates. Therefore, a general rise in interest rates can result in the decline of the value of your investment. Investing in foreign securities presents certain risks not associated with domestic investments, such as currency fluctuation, political and economic instability, and different accounting standards. This may result in greater share price volatility. These risks are heightened in emerging markets. Investments that focus on certain geographical regions or on certain economic sectors increase their vulnerability to developments in that region or sector. This may result in greater price volatility. There are special

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risks associated with investing in preferred securities. Preferred securities generally offer no voting rights with respect to the issuer. Preferred securities are generally subordinated to bonds or other debt instruments in an issuer's capital structure, subjecting them to a greater risk of non-payment than more senior securities. In addition, the issue may be callable which may negatively impact the return of the security. Preferred dividends are not guaranteed and are subject to deferral or elimination. The S&P 500 Index consists of 500 stocks chosen for market size, liquidity, and industry group representation. It is a market value weighted index with each stock's weight in the Index proportionate to its market value. An index is not managed and is unavailable for direct investment. The opinions expressed here reflect the judgment of the author as of the date of the report and are subject to change without notice. Any market prices are only indications of market values and are subject to change. The material has been prepared or is distributed solely for information purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Additional information is available upon request. Please contact your Financial Advisor. Investment and Insurance Products: NOT FDIC Insured NO Bank Guarantee MAY Lose Value.Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, non-bank affiliates of Wells Fargo & Company. 2011 Wells Fargo Advisors, LLC. All rights reserved. CAR# 1111-0632vA

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Standardized Returns Performance data quoted represents past performance. Past performance does not guarantee future results. Investment return and principal value of an investment in the fund(s) will fluctuate so that an investor's shares when redeemed may be worth more or less than their original cost. The current performance for the fund(s) illustrated may be higher or lower than the performance data quoted. Please visit https://returns.thomsononeadvisor.com/returns/ for the most recent month-end performance information. Investors should consider the investment objectives, risks, charges and expenses of each fund carefully before investing. These risks may include but are not limited to, the risks of investing in foreign securities, such as currency fluctuation, tax changes and political concerns. This illustration, including any accompanying reports and graphs, must be preceded or accompanied by a current prospectus for each security included. The prospectus contains full details on fees and expenses and should be read carefully before investing or sending money.

Standardized Average Annual Total Returns for Quarter Ended 9/30/2011 Returns for periods of less than one year are not annualized Illustrated Items

Inception Date Maximum Sales Charge

American Funds Gr Fnd of Amer A

12/1/1973

5.75% Front

American Funds New Economy A

12/1/1983

American Funds SMALLCAP World A

4/30/1990

Davis New York Venture Fund A

2/17/1969

Hartford Capital Apprec A

7/22/1996

1 Year

5 Years

10 Years Since Inception

-8.96%

-2.14%

3.82%

12.86%

5.75% Front

-9.81%

-0.70%

4.47%

9.81%

5.75% Front

-16.14%

-0.67%

7.75%

8.27%

4.75% Front

-9.70%

-3.91%

2.90%

11.22%

5.50% Front

-17.03%

-4.09%

3.78%

10.77%

12/30/1997

5.50% Front

-12.43%

-0.32%

6.57%

9.47%

KEELEY Small Cap Value A

10/1/1993

4.50% Front

-8.47%

-3.11%

7.17%

9.76%

Templeton Foreign A

10/5/1982

5.75% Front

-14.06%

-2.16%

5.47%

10.50%

Hartford MidCap A

Average Annual Total Returns for Month Ended 10/31/2011 Returns for periods of less than one year are not annualized Illustrated Items

Inception Date Maximum Sales Charge

1 Year

5 Years

10 Years Since Inception

American Funds Gr Fnd of Amer A

12/1/1973

5.75% Front

-3.48%

-0.91%

4.28%

13.13%

American Funds New Economy A

12/1/1983

5.75% Front

-5.22%

0.41%

5.02%

10.15%

American Funds SMALLCAP World A

4/30/1990

5.75% Front

-11.03%

0.34%

7.99%

8.72%

Davis New York Venture Fund A

2/17/1969

4.75% Front

-2.29%

-2.49%

3.90%

11.47%

Hartford Capital Apprec A

7/22/1996

5.50% Front

-10.90%

-2.60%

4.72%

11.57%

Hartford MidCap A

12/30/1997

5.50% Front

-3.11%

1.73%

7.33%

10.47%

KEELEY Small Cap Value A

10/1/1993

4.50% Front

2.35%

-1.64%

8.18%

10.60%

Templeton Foreign A

10/5/1982

5.75% Front

-8.75%

-0.59%

6.24%

10.89%

Charges and Expenses Fund Name American Funds Gr Fnd of Amer A

12/06/2011

Sales Charge 5.75%

Max CDSC 1.00%

Management Fee 0.27%

Distribution (12b-1) Fee 0.24%

Other Expenses 0.17%

Total 0.68%

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Fund Name

Sales Charge

Max CDSC

Management Fee

Distribution (12b-1) Fee

Other Expenses

Total

American Funds New Economy A

5.75%

1.00%

0.41%

0.23%

0.22%

0.86%

American Funds SMALLCAP World A

5.75%

1.00%

0.64%

0.24%

0.21%

1.09%

Davis New York Venture Fund A

4.75%

0.50%

0.49%

0.24%

0.16%

0.89%

Hartford Capital Apprec A

5.50%

1.00%

0.65%

0.25%

1.15%

Hartford MidCap A

5.50%

1.00%

0.73%

0.25%

0.27%

1.25%

KEELEY Small Cap Value A

4.50%

0.00%

0.92%

0.25%

0.19%

1.36%

Templeton Foreign A

5.75%

1.00%

0.62%

0.25%

0.32%

1.19%

Data in this report is provided by Thomson Reuters where available. A portion of expenses for the following fund(s) have been waived in the past: American Funds Gr Fnd of Amer A, Hartford Capital Apprec A, Hartford MidCap A, KEELEY Small Cap Value A, American Funds New Economy A, American Funds SMALLCAP World A. Past expense reductions by the fund's manager increased the fund's total returns. The Standardized Average Annual Total Return figures shown above are calculated using formula in form N-1A as mandated by the Securities and Exchange Commission. Except where noted, the calculations take into account the maximum sales and/or redemption charges currently in effect, and any annual expenses assessed. The figures assume a one-time lump sum investment and do not include the effect of taxation. Several share classes shown above may not be available to all investors or may not be suitable for all investors given different sales charges, management fees, investment minimums, etc. Other share classes are shown for informational purposes only. Please consult a prospectus for information about all share classes.

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Fact Sheet Disclosures Product Profiles Portfolio Composition data is based on information obtained from the investment company and is updated as of the date shown in the section's title. This data will vary over time. There is no guarantee that the underlying Fund, which this subaccount invests in, will continue to hold any one particular security or stay invested in any one particular country. The composition of the underlying fund's holdings are subject to change. NAV Total Returns are calculated based on the Net Asset Value of the mutual fund including reinvestment of dividends and capital gains and DO NOT include the effects of sales charges. Annual expenses such as 12b-1 fees and management expenses are accounted for in the figures. The Load Adjusted returns take into account the effects of sales charges.

Free Cash Flows - The amount of money that a business has at its disposal at any given time after paying out operating costs, interest payments on bank loans and bonds, salaries, research and development and other fixed costs. Current Ratio - A test of liquidity showing the difference between current assets and current liabilities. Calculated as: (current assets) divided by (current liabilities). Quick Ratio - Ratio of liquid assets to current liabilities, taken as a measure of liquidity. Leverage Ratio - The ratio of a company's long term debt, typically bonds and preferred stock, to its equity in its capital structure. The greater the long term debt, the greater the leverage.

The Price History Graph shown on this report illustrates the past 5 years of historical performance of the particular security. The volume bars below the graph are of month end totals.

Split Ratio - The proportion of new number of shares (post-split) divided by old number of shares (pre-split). For example, a split ratio of 2.00 is a two-for-one split giving each shareholder an additional share for each share held.

First Call Earnings Estimate provides First Call's proprietary analyst consensus ranking on a five point scale (1=buy, 3=hold, 5=sell), calculated using the arithmetic mean of all contributing analysts' quarterly and annual estimated earnings.

Payout Ratio - The proportion of earnings paid out in dividends to shareholders, that is, dividend payment divided by earnings.

The Performance section shows the performance of YTD, 1 Year, 3 Year and 5 Year total return figures and lists, if applicable, the last stock split the company has completed. Profitability Ratios, Operating Ratios and Total Ratios comprise a set of ratios showing the dayto-day performance of the particular company. Income Statement is a financial statement showing a firm's revenue and expenses during a specified period. Areas covered are Revenue, Expenses and Net Income. The Balance Sheet shows the firm's financial condition at a specified point in time. Categories included in the Balance Sheet section are Total Assets ($Mil), Current Assets, Inventories, NonCurrent Assets, Total Liabilities, Current Liability, Long Term Debt, and Total Equity. The Cash Flow Statement (Annual) is a statement of the amount of cash inflows and outflows for the particular company. The cash flow statement section includes Cash Flow from Operations, Depreciation and Amortization, Deferred Taxes, Income Sources, Capital Spending and Free Cash Flows. The Liquidity Ratios are used to identify company performance and potential investment opportunities. Current Ratio, Quick Ratio, Debt/Equity, Leverage Ratio and Int Coverage from Cont Ops (International Coverage from Continuing Operations). Return on Equity - The adjusted profit of a company divided by its equity. For instance, if the adjusted profit of a company is $10M and Equity is $100M, the Return on Equity is 10%.

Investment Category is provided by Morningstar, Inc. Asset Class is derived from Morningstar Category. All Rights Reserved. The information contained here in: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Top Holdings, Composition, Geographic Breakdown and Sector Weightings data is based on portfolio information obtained from the investment company, is updated as of the date shown in the section's title, and will vary over time. Geographic Breakdown and Sector Weightings are calculated solely from the portfolio equity holdings. Government Funds The U.S. Government guarantee applies only to the underlying securities of the fund's portfolio and not to the value of the fund's shares. Municipal Bond Funds Certain investors' income may be subject to the federal Alternative Minimum Tax (AMT), and state and local taxes may also apply. Insured Municipal Bond Funds Insurance pertains to the timely payment of principal and interest by the issuer of the underlying securities, and not to the value of the fund's shares. Certain investors' income may be subject to the federal Alternative Minimum Tax (AMT), and state and local taxes may also apply.

Return on Assets - Indicator of profitability. Determined by dividing net income for the past 12 months by total assets. Result is shown as a percentage.

High-Yield Funds High-yield bonds, commonly known as junk bonds, are subject to greater loss of principal and interest, including default risk, than higher-rated bonds. This may result in greater share price volatility.

Return on Invested Capital - The overall profit (or loss) on an investment expressed as a percentage of the total invested. For example: The company invests $5,000 in the shares of another company and some time later has received $100 in dividends with the value of the shares now $5,200. The return on investment is: [($100 + $5,200 - $5,000) /$5,000] x 100 = 6%.

Global or International Funds Investing in foreign securities presents certain unique risks not associated with domestic investments, such as currency fluctuation and political and economic changes. This may result in greater share price volatility. Geographic Concentration Funds

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The fund may focus its investments in certain geographical regions, thereby increasing its vulnerability to developments in that region. This may result in greater share price volatility. Real Estate Funds The fund involves additional risk due to its narrow focus. There are special risks associated with an investment in real estate, including credit risk, interest rate fluctuations and the impact of varied economic conditions. Sector Funds The fund may focus its investments on certain economic sectors, thereby increasing its vulnerability to any single economic, political or regulatory development. This may result in greater share price volatility. Non-Diversified (Concentrated) Funds This fund is not diversified. Investing in a non-diversified fund involves greater risk than a diversified investment, because a loss resulting from a particular security's poor performance will have a greater impact on the fund's overall return. The Rank shows the security's rank against all securities within its investment category (shown at the top of the page) based on total return and DOES NOT include the effects of sales charges. Each rank is expressed as a number where 1= best and 2 = second best, etc. Rankings are generated by Thomson Reuters. The Growth of $10,000 graph shown on this report illustrates the growth of a $10,000 investment in the security over a period of 11 years or the security's lifetime in relation to its benchmark index, whichever is shorter. The effects of any applicable sales charges and fees are included. The Returns Comparison section compares the Returns statistics of the chosen security against the average Return statistics of all securities in its investment category and the Market Index relative to that investment category. The investment category for the security can be found in the header section at the top of each profile page and the relative Market Index can be found below the section.

MPT Statistics The Modern Portfolio Theory (MPT) Statistics section shows the Standard Deviation, Alpha, Beta, R-squared, Sharpe and Treynor statistics for the item. Definitions of these statistics are included at the end of the disclosures. Standard deviation is a measure of a security's volatility, or variability in expected return. As such, it is a measure of risk since risk can be defined as the uncertainty of the expected return. Higher numbers indicate higher historical volatility. Standard deviation is most often used as a measure of risk relative to other securities or indexes. Standard Deviation does not measure all aspects of investment risks. The Beta coefficient is a measure of a security's volatility relative to the market. An index relevant to the security's stated investment category is used as the proxy for the market, and is considered to have a 1.00 Beta. Therefore, if a security has a Beta of 1.50, it has been historically 50% more volatile than the market for the period of years shown. The Alpha coefficient is a measure of risk-adjusted return. This number represents the difference between the security's actual performance and the performance anticipated in light of the security's risk posture and the market's behavior. A positive Alpha indicates that the manager has been successful at security selection and/or market timing, and has produced a rate of return which is more than commensurate with the security's risk posture.

12/06/2011

R-squared is a measure of diversification relative to the market, as represented by an index relevant to the security's stated investment category. It tells us, in precise percentage terms, just how closely a security's performance variation paralleled the market over the time period shown. The Sharpe and Treynor Ratios are measures of risk-adjusted performance. Higher values are desirable and indicate greater return per unit of risk. The Sharpe and Treynor Ratios measure risk by standard deviation and beta, respectively. Geographic Breakdown displays the equity concentration by region of the underlying holdings when available and excludes fixed income holdings. The data represented is the most current as of the data date listed in the section title and will vary over time. The Russell Midcap Growth Index offers investors access to the mid-cap growth segment of the U.S. equity universe. The Russell Midcap Growth Index is constructed to provide a comprehensive and unbiased barometer of the mid-cap growth market. Based on ongoing empirical research of investment manager behavior, the methodology used to determine growth probability approximates the aggregate mid-cap growth manager's opportunity set. The Russell 1000 Growth Index offers investors access to the large-cap growth segment of the U.S. equity universe. The Russell 1000 Growth is constructed to provide a comprehensive and unbiased barometer of the large-cap growth market. Based on ongoing empirical research of investment manager behavior, the methodology used to determine growth probability approximates the aggregate large-cap growth manager's opportunity set. S&P 500 Composite index is a capitalization weighted index that is designed to measure the equity market performance comprised of 500 stocks chosen for market size, liquidity, and industry group representation, with approximately 75% coverage of U.S. equities. The Index has over US$ 3.5 trillion benchmarked, with index assets comprising approximately US$ 915 billion of this total. The Index is constructed to represent a broad range of industry segments in the U.S. economy. The MSCI EAFE GTR Index, reported in U.S. dollars, based on share prices and reinvested gross dividends of approximately 1100 companies (only those securities deemed sufficiently liquid for trading by investors) from the following 20 countries: Australia, Austria, Belgium, Denmark, Finland, France, Germany, Hong Kong, Ireland, Italy, Japan, Malaysia, Netherlands, New Zealand, Norway, Singapore, Spain, Sweden, Switzerland, and the United Kingdom. The securities represented in this index may be subject to investment risk, currency rate risk, economic and monetary policy risk, differences in auditing standards and risks related to political and economic developments. The MSCI World GTR index, reported in U.S. dollars, based on share prices and reinvested gross dividends of approximately 1600 companies which are deemed sufficiently liquid for trading by investors from the following 22 countries: Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Hong Kong, Ireland, Italy, Japan, Malaysia, Netherlands, New Zealand, Norway, Singapore, Spain, Sweden, Switzerland, U.K. and U.S. The securities represented in this index may be subject to investment risk, currency rate risk, economic and monetary policy risk, differences in auditing standards and risks related to political and economic developments. The Russell 2000 Index offers investors access to the small-cap segment of the U.S. equity universe. The Russell 2000 is constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure larger stocks do not distort the performance and characteristics of the true small-cap opportunity set. The Russell 2000 includes the smallest 2000 securities in the Russell 3000. The information included in this report is based upon data obtained from public sources believed to be reliable; however, Thomson Reuters does not guarantee the completeness or accuracy thereof.

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Alcoa Inc. AA (NYSE)

Profile Report

Latest Price : $ 10 (12/05/2011)

Shares Outstanding (Mil) : 1,064 (11/30/2011)

Price Graph (up to 60 months)

Fundamentals (as of 11/30/2011) Co. $0.95 1.34 $1.21 $9,526 $18.47 $8.45 9.42 0.64 0.75 4.13

Month End EPS Dividend Yield % Net Profit Margin Market Cap (Mil) 52 Week High 52 Week Low P/E Current Price/Book Price/Sales Price/Cash Flow

First Call Consensus BUY

BUY/HOLD

*S&P 500 $3.08 2.13 $8.43 $21,085 $45.84 $30.94 1.68 0.98 6.63

HOLD

HOLD/SELL

SELL

2.4

Performance (as of 10/31/2011)

Total Returns (%)

S&P 500 (%)

Materials Metals & Mining 390 Park Avenue, New York, NY 10022-4608 Investor Relations +1 412 553-4545 Sector Industry Address

-20 % -30 % Total Returns (%) S&P 500 (%)

YTD

1 Year

3 Year

5 Year

10 Year

15 Year

20 Year

-29.69 -0.35

-17.47 5.92

-0.27 8.96

-16.28 -1.88

-8.60 1.69

3.91

5.98

*Benchmark: S&P 500 Composite Index

Financial Statement (as of 12/31/2010) Income Statement ($Mil)

Balance Sheet (as of 12/31/2010)

Net Income Expenses

Total Assets ($Mil) Current Assets Cash Inventories Non-Current Assets Total Liabilities Current Liabilities Long Term Debt Total Equity

Revenue

Net Income 250 125 0 Q4

2010

Q3 2011

Cash Flow From Oper Depr & Amor Deffered Taxes Other Income Capital Spending Free Cash Flows

7500 5000 2500 0 Q4

2010

1,981 1,451 -287 817 1,015 841

2011

Profitability Ratios (as of 12/31/2010) Return on Equity (ROE) Return on Assets (ROA) Return on Invested Capital Pre-Tax Profit Margin (%) Post-Tax Profit Margin (%) Net Profit Margin (%)

36,109 6,869 1,632 2,562 29,240 19,023 5,236 8,842 13,556

Cash Flow Statement (Annual)

Revenue - Expenses

12/06/2011

2.4 5 1 19

Company Overview

-10 %

Current Mean High Low Number of Analysts

10 %

2.0 1.6 2.2 2.5 1.2 1.2

Dividends (as of 12/31/2010) Current Div/Share Dividend Yield % 5 Year Growth % Payout Ratio % Split Ratio Last Split

0.12 1.34 -27.52 49 2.00 06/12/2000

Alcoa Inc. (Alcoa) is engaged in the production and management of aluminum, fabricated aluminum, and alumina combined, through its participation in mining, refining, smelting, fabricating, and recycling. During the year ended December 31, 2010, aluminum and alumina represent more than 80% of Alcoa's revenues. Nonaluminum products include precision castings and aerospace and industrial fasteners. Alcoa's products are used globally in aircraft, automobiles, commercial transportation, packaging, building and construction, oil and gas, defense, and industrial applications. It is a global company operating in 31 countries. In addition, it has investments and operating activities in Australia, Brazil, the People's Republic of China, Guinea, Iceland, Russia, and Saudi Arabia. During 2010, it completed the acquisition of Three Rivers Aluminum Company doing business as Traco. In July 2010, the Company completed the sale of its Transportation Pro.

Liquidity Ratios (as of 12/31/2010) Current Ratio Quick Ratio Debt/Equity Leverage Ratio Initial Coverage from Cont.Operations

1.31 0.67 0.68 6.52 1.73

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American Funds Gr Fnd of Amer AAGTHX

Profile Report

Category: Large Growth Asset Class: Large Cap Growth

Data as of 10/31/2011 Operations

Composition (as of 9/30/2011) Pie chart is not available for leveraged securities. % Of Portfolio 89.1 11.2 -0.3 0.0

Equity Fixed Income Cash Other

Fund Family American Funds CUSIP 399874106 Fund Inception Date 12/1/1973 Net Asset Value (NAV) $29.46 Net Assets (10/31/2011) $55,932.90 Mil Turnover (8/31/2011) 34.00% Last Income Dividend (12/21/2010) $0.2450 Last Capital Gain (12/18/2007) $2.0570 Dividend Yield (12 months) 0.78% Dividend Yield (30 days) 0.78%

Fees & Expenses

0.68% 0.24% 5.75% 0.00% 1.00%

Total Expense Ratio (Gross) 12b-1 Fee Max Front End Sales Charge Max Redemption Fee Max Deferred Sales Charge

EQ Geographic Breakdown (% of Total) North America

76.1

Latin America

0.5

Europe

5.0

Emerging Markets Europe

0.1

Asia-Pacific

3.0

Emerging Markets Asia

3.7

Middle East/North Africa

0.3

Africa

0.3

Other

0.3

Top Holdings

% of Holdings

1. Apple Inc ORD 2. Oracle Corp ORD 3. Amazon.com Inc ORD 4. Microsoft Corp ORD 5. Home Depot Inc ORD All holdings related data as of 9/30/2011

4.3 2.3 2.3 1.7 1.6

Fund Description

The Fund seeks to provide long term growth of capital. The Fund invests primarily in common stocks. The Fund also invests in convertibles preferred stocks U.S. government securities bonds. The Fund may invest up to 15% of assets in securities of issuers domiciled outside the United States and Canada. The Fund may also hold cash or money market instruments. The Fund emphasizes on companies that appear to offer opportunities for long term growth and companies have good long term investment opportunities. The Fund relies on the professional judgment of its investment adviser to make decisions about the portfolio investments.

MPT Stats

Standard Deviation Alpha (%) Beta R-Squared (%) Sharpe Treynor

3 Year 19.01 -4.08 1.00 98 0.56 0.85

5 Year 10 Year 19.57 17.01 -2.65 1.36 0.98 0.96 98 95 -0.05 0.18 -0.08 0.27

EQ Sector Weightings (%) (9/30/2011)

% of Holdings 6. DirecTv ORD 7. Us Treasury 3.750% 15-A (3.75%) 8. Philip Morris Internati 9. Costco Wholesale Corp O 10. Google Inc ORD

1.5 1.4 1.4 1.3 1.3

Information Technology Consumer Discretionary Energy Health Care Industrials Financials Materials Consumer Staples Telecom Services Utilities Unclassified

Total Returns (%)

21.7 19.1 13.0 12.2 9.6 8.0 7.4 6.6 2.0 0.2 0.3

NAVLoad-Adjusted†

Year-To-Date -3.22 1 Month 10.46 3 Month -6.12 1 Year 2.41 -8.96 3 Year 10.85 -1.39 5 Year 0.27 -2.14 10 Year Average 4.90 3.82 15 Year Average 8.90 7.76 20 Year Average 9.82 9.11 Since Inception 13.30 12.86 † Load Adjusted Return data as of 9/30/2011

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American Funds New Economy AANEFX

Profile Report

Category: Large Growth Asset Class: Large Cap Growth

Data as of 10/31/2011 Operations

Composition (as of 9/30/2011)

Fund Family American Funds CUSIP 643822109 Fund Inception Date 12/1/1983 Net Asset Value (NAV) $24.57 Net Assets (10/31/2011) $5,438.20 Mil Turnover (11/30/2010) 47.00% Last Income Dividend (12/28/2010) $0.1730 Last Capital Gain (12/26/2007) $2.3550 Dividend Yield (12 months) 0.66% Dividend Yield (30 days) 0.66%

% Of Portfolio Equity

84.2

Fixed Income

15.5

Cash

0.2

Other

0.2

Fees & Expenses

Total Expense Ratio (Gross) 12b-1 Fee Max Front End Sales Charge Max Redemption Fee Max Deferred Sales Charge

0.86% 0.23% 5.75% 0.00% 1.00%

North America

49.7

Latin America

1.7

Europe

Standard Deviation Alpha (%) Beta R-Squared (%) Sharpe Treynor

14.8

Emerging Markets Europe

1.2

Asia-Pacific

4.4

Emerging Markets Asia Middle East/North Africa

0.1

Africa

0.0

Other

1.7

% of Holdings 4.5 3.1 1.6 1.5 1.5

% of Holdings 6. Crown Castle Internatio 7. Texas Instruments Inc O 8. Union Pacific Corp ORD 9. Groupon Inc PFD 10. Amazon.com Inc ORD

3 Year 20.40 -0.92 1.05 94 0.74 1.13

5 Year 10 Year 21.24 19.39 -1.47 1.87 1.04 1.08 95 92 0.02 0.20 0.03 0.29

EQ Sector Weightings (%) (9/30/2011)

10.6

1. Apple Inc ORD 2. Us Treasury 3.750% 15-A (3.75%) 3. DirecTv ORD 4. AirAsia Bhd ORD 5. Ryanair Holdings PLC DR All holdings related data as of 9/30/2011

The Fund seeks to provide long-term growth of capital. The Fund invests primarily in stocks of companies in the services and information areas of the global economy, although a portion of its assets may be invested outside these areas. The Fund may invest a significant portion of its assets in issuers based outside of the United States. The Fund may also hold cash or money market instruments. The Fund relies on the professional judgment of its investment adviser to make decisions about the portfolio investments. The basic investment philosophy of the investment adviser is to seek to invest in attractively valued companies that, in its opinion, represent above-average longterm investment opportunities.

MPT Stats

EQ Geographic Breakdown (% of Total)

Top Holdings

Fund Description

1.3 1.3 1.3 1.2 1.2

Information Technology Consumer Discretionary Health Care Financials Industrials Telecom Services Energy Materials Utilities Consumer Staples Unclassified

Total Returns (%)

25.1 18.7 16.0 14.1 12.9 6.9 2.4 1.6 1.3 1.1 0.0

NAVLoad-Adjusted†

Year-To-Date -3.00 1 Month 9.93 3 Month -7.60 1 Year 0.56 -9.81 3 Year 15.29 2.33 5 Year 1.61 -0.70 10 Year Average 5.64 4.47 15 Year Average 6.77 5.62 20 Year Average 8.82 8.09 Since Inception 10.38 9.81 † Load Adjusted Return data as of 9/30/2011

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American Funds SMALLCAP World ASMCWX

Profile Report

Category: World Stock Asset Class: International Equity

Data as of 10/31/2011 Operations

Composition (as of 9/30/2011)

Fund Family American Funds CUSIP 831681101 Fund Inception Date 4/30/1990 Net Asset Value (NAV) $34.59 Net Assets (10/31/2011) $12,969.40 Mil Turnover (9/30/2010) 45.00% Last Income Dividend (12/28/2010) $0.5210 Last Capital Gain (12/26/2007) $4.1670 Dividend Yield (12 months) 1.42% Dividend Yield (30 days) 1.42%

% Of Portfolio Equity

88.4

Fixed Income

11.3

Cash

0.0

Other

0.3

Fees & Expenses

Total Expense Ratio (Gross) 12b-1 Fee Max Front End Sales Charge Max Redemption Fee Max Deferred Sales Charge

1.09% 0.24% 5.75% 0.00% 1.00%

North America

40.0

Latin America

2.2

Europe

Standard Deviation Alpha (%) Beta R-Squared (%) Sharpe Treynor

19.3

Emerging Markets Europe

1.3

Asia-Pacific

9.2

Emerging Markets Asia

14.7

Middle East/North Africa

0.5

Africa

0.7

Other

0.7

% of Holdings

1. Pharmasset Inc ORD 2. ENN Energy Holdings Ltd 3. Us Treasury 3.750% 15-A (3.75%) 4. Lululemon Athletica Inc 5. InterOil Corp ORD All holdings related data as of 9/30/2011

The Fund seeks to provide long term growth of capital. The Fund invests at least 80% of its assets in equity securities of companies located around the world with small market capitalizations, measured at the time of purchase. The Fund relies on the professional judgment of its investment adviser to make decisions about the portfolio investments. The basic investment philosophy of the investment adviser is to seek to invest in attractively valued companies that represent above average long term growth opportunities. The Fund may also hold cash or money market instruments.

MPT Stats

EQ Geographic Breakdown (% of Total)

Top Holdings

Fund Description

1.6 1.2 1.0 0.8 0.8

5 Year 10 Year 25.26 20.98 2.21 3.03 1.13 1.11 92 88 0.01 0.32 0.02 0.50

EQ Sector Weightings (%) (9/30/2011)

% of Holdings 6. Virgin Media Inc ORD 7. MSC Industrial Direct C 8. Sumber Alfaria Trijaya 9. AAC Technologies Holdin 10. East West Bancorp Inc O

3 Year 22.78 5.67 1.03 91 0.78 1.34

0.8 0.8 0.7 0.7 0.7

Consumer Discretionary Industrials Health Care Information Technology Financials Energy Materials Consumer Staples Utilities Telecom Services Unclassified

Total Returns (%)

18.2 16.7 15.4 14.6 10.9 8.0 6.6 5.7 1.9 1.6 0.5

NAVLoad-Adjusted†

Year-To-Date -10.99 1 Month 9.98 3 Month -12.05 1 Year -5.61 -16.14 3 Year 18.02 2.03 5 Year 1.54 -0.67 10 Year Average 8.63 7.75 15 Year Average 6.77 5.59 20 Year Average 8.55 7.90 Since Inception 9.01 8.27 † Load Adjusted Return data as of 9/30/2011

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Apple Inc. AAPL (NASDAQ)

Profile Report

Latest Price : $ 393.01 (12/05/2011)

Shares Outstanding (Mil) : 929 (11/30/2011)

Price Graph (up to 60 months)

Fundamentals (as of 11/30/2011) Month End EPS Dividend Yield % Net Profit Margin Market Cap (Mil) 52 Week High 52 Week Low P/E Current Price/Book Price/Sales Price/Cash Flow

Co. $27.68 0.00 $23.87 $337,905 $426.70 $310.50 13.13 4.58 4.58 10.72

First Call Consensus BUY

*S&P 500 $3.08 2.13 $8.43 $21,085 $45.84 $30.94 1.68 0.98 6.63

BUY/HOLD

HOLD

HOLD/SELL

SELL

1.7

Performance (as of 10/31/2011)

Total Returns (%)

S&P 500 (%)

40 %

Current Mean High Low Number of Analysts

20 %

Company Overview

60 %

-20 % Total Returns (%) S&P 500 (%)

YTD

1 Year

3 Year

5 Year

10 Year

15 Year

20 Year

25.49 -0.35

34.49 5.92

55.53 8.96

37.93 -1.88

46.68 1.69

32.79 3.91

19.10 5.98

*Benchmark: S&P 500 Composite Index

Financial Statement (as of 09/24/2011) Income Statement ($Mil)

Balance Sheet (as of 09/24/2011)

Net Income Expenses

Total Assets ($Mil) Current Assets Cash Inventories Non-Current Assets Total Liabilities Current Liabilities Long Term Debt Total Equity

Revenue

Net Income

5000 0 Q3

2010

Q3 2011

Cash Flow From Oper Depr & Amor Deffered Taxes Other Income Capital Spending Free Cash Flows

25000 12500 0 Q4

2010

31,772 1,814 2,868 27,090 4,260 27,512

2011

Profitability Ratios (as of 09/24/2011) Return on Equity (ROE) Return on Assets (ROA) Return on Invested Capital Pre-Tax Profit Margin (%) Post-Tax Profit Margin (%) Net Profit Margin (%)

116,371 44,988 26,468 776 71,383 39,756 27,970 0 76,615

Cash Flow Statement (Annual)

Revenue - Expenses

1.7 5 1 56

Information Technology Computers & Peripherals 1 Infinite Loop, Cupertino, CA 95014 Investor Relations +1 408 996-1010 Sector Industry Address

12/06/2011

41.7 27.1 41.7 31.5 23.9 23.9

Dividends (as of 09/24/2011) Current Div/Share Dividend Yield % 5 Year Growth % Payout Ratio % Split Ratio Last Split

Apple Inc. (Apple) designs, manufactures and markets a range of personal computers, mobile communication and media devices, and portable digital music players, and sells a range of related software, services, peripherals, networking solutions, and third-party digital content and applications. It's products and services include Macintosh (Mac) computers, iPhone, iPad, iPod, Apple TV, Xserve, a portfolio of consumer and professional software applications, the Mac OS X and iOS operating systems, third-party digital content and applications through the iTunes Store, and a range of accessory, service and support offerings. The Company sells its products globally through its retail stores, online stores, and direct sales force and third-party cellular network carriers, wholesalers, retailers, and value-added resellers. As of September 25, 2010, the Company had opened a total of 317 retail stores, including 233 stores in the United States and .

Liquidity Ratios (as of 09/24/2011) Current Ratio Quick Ratio Debt/Equity Leverage Ratio Initial Coverage from Cont.Operations

1.61 1.37 0.00 0.00 128.67

0.00 0.00 0.00 0 2.00 02/28/2005

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Caterpillar Inc. CAT (NYSE)

Profile Report

Latest Price : $ 96.85 (12/05/2011)

Shares Outstanding (Mil) : 647 (11/30/2011)

Price Graph (up to 60 months)

Fundamentals (as of 11/30/2011) Co. $6.55 2.12 $6.34 $56,075 $116.55 $67.54 13.24 4.30 1.43 7.64

Month End EPS Dividend Yield % Net Profit Margin Market Cap (Mil) 52 Week High 52 Week Low P/E Current Price/Book Price/Sales Price/Cash Flow

First Call Consensus BUY

BUY/HOLD

*S&P 500 $3.08 2.13 $8.43 $21,085 $45.84 $30.94 1.68 0.98 6.63

HOLD

HOLD/SELL

SELL

2.1

Performance (as of 10/31/2011)

Total Returns (%)

S&P 500 (%)

30 % 20 %

Industrials Machinery 100 North East Adams Street, Peoria, IL 61629 Investor Relations +1 309 675-1000 Sector Industry Address

0% -10 % Total Returns (%) S&P 500 (%)

YTD

1 Year

3 Year

5 Year

10 Year

15 Year

20 Year

2.72 -0.35

22.40 5.92

39.19 8.96

12.14 -1.88

18.29 1.69

14.82 3.91

17.33 5.98

*Benchmark: S&P 500 Composite Index

Financial Statement (as of 12/31/2010) Income Statement ($Mil)

Balance Sheet (as of 12/31/2010)

Net Income Expenses

Total Assets ($Mil) Current Assets Cash Inventories Non-Current Assets Total Liabilities Current Liabilities Long Term Debt Total Equity

Revenue

Net Income 1000 500 0 Q4

2010

Q3 2011

20000

Cash Flow From Oper Depr & Amor Deffered Taxes Other Income Capital Spending Free Cash Flows

10000 0 Q4

2010

5,523 2,296 0 3,227 2,586 1,853

2011

Profitability Ratios (as of 12/31/2010) Return on Equity (ROE) Return on Assets (ROA) Return on Invested Capital Pre-Tax Profit Margin (%) Post-Tax Profit Margin (%) Net Profit Margin (%)

61,527 31,810 3,683 9,587 29,717 50,202 22,020 20,437 10,824

Cash Flow Statement (Annual)

Revenue - Expenses

12/06/2011

2.1 3 1 24

Company Overview

10 %

Current Mean High Low Number of Analysts

40 %

27.6 5.9 8.6 8.8 6.3 6.3

Dividends (as of 12/31/2010) Current Div/Share Dividend Yield % 5 Year Growth % Payout Ratio % Split Ratio Last Split

Caterpillar Inc. (Caterpillar) is a manufacturer of construction and mining equipment, diesel and natural gas engines, industrial gas turbines and diesel-electric locomotives. The Company also is a service provider through Caterpillar Financial Services, Caterpillar Remanufacturing Services, Caterpillar Logistics Services and Progress Rail Services. Caterpillar owns a portfolio of brands, which includes Anchor Coupling, AsiaTrak, Balderson, Barber-Greene, Cat, Cat Financial, Cat Logistics, Cat Reman, Cat Rental Store, E-Ject, Eurenov, FG Wilson, Hindustan, Mak, Olympian, Perkins, Prentice, Progress Rail, Shandong Engineering Machinery Co. (SEM), Solar Turbines, Turbomach, Turner Powertrain System,Verachtert and Xpart. It has remanufactured diesel engines and components for its own machines and power systems. On July 2011, the Company acquired Bucyrus International, Inc.

Liquidity Ratios (as of 12/31/2010) Current Ratio Quick Ratio Debt/Equity Leverage Ratio Initial Coverage from Cont.Operations

1.44 0.93 2.63 18.88 4.01

1.84 2.12 10.35 40 2.00 07/14/2005

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Chevron Corp. CVX (NYSE)

Profile Report

Latest Price : $ 102.82 (12/05/2011)

Shares Outstanding (Mil) : 1,991 (11/30/2011)

Price Graph (up to 60 months)

Fundamentals (as of 11/30/2011) Month End EPS Dividend Yield % Net Profit Margin Market Cap (Mil) 52 Week High 52 Week Low P/E Current Price/Book Price/Sales Price/Cash Flow

Co. $13.50 3.51 $10.03 $183,794 $110.01 $80.41 6.84 1.53 0.97 4.63

First Call Consensus BUY

*S&P 500 $3.08 2.13 $8.43 $21,085 $45.84 $30.94 1.68 0.98 6.63

BUY/HOLD

HOLD

HOLD/SELL

SELL

1.9

Performance (as of 10/31/2011) 35 % 30 % 25 % 20 % 15 % 10 % 5% 0% -5 %

Total Returns (%)

S&P 500 (%)

YTD

1 Year

3 Year

5 Year

10 Year

15 Year

20 Year

17.81 -0.35

31.29 5.92

16.14 8.96

12.98 -1.88

12.75 1.69

11.60 3.91

12.87 5.98

Financial Statement (as of 12/31/2010) Income Statement ($Mil)

Balance Sheet (as of 12/31/2010)

Net Income Expenses

Total Assets ($Mil) Current Assets Cash Inventories Non-Current Assets Total Liabilities Current Liabilities Long Term Debt Total Equity

Revenue

Net Income

5000 0 Q4

2010

Q3 2011

Cash Flow From Oper Depr & Amor Deffered Taxes Other Income Capital Spending Free Cash Flows

100000 50000 0 Q4

2010

32,697 13,063 559 19,075 19,612 7,411

2011

Profitability Ratios (as of 12/31/2010) Return on Equity (ROE) Return on Assets (ROA) Return on Invested Capital Pre-Tax Profit Margin (%) Post-Tax Profit Margin (%) Net Profit Margin (%)

183,918 48,841 17,070 5,493 135,077 78,107 29,012 11,289 105,081

Cash Flow Statement (Annual)

Revenue - Expenses

12/06/2011

Energy Oil, Gas & Consumable Fuels 6001 Bollinger Canyon Road, San Ramon, CA 94583-2324 Investor Relations +1 925 842-1000 Sector Industry Address

*Benchmark: S&P 500 Composite Index

1.9 4 1 24

Current Mean High Low Number of Analysts

Company Overview

Total Returns (%) S&P 500 (%)

19.3 11.0 17.3 13.9 10.0 10.0

Dividends (as of 12/31/2010) Current Div/Share Dividend Yield % 5 Year Growth % Payout Ratio % Split Ratio Last Split

Chevron Corporation (Chevron) manages its investments in subsidiaries and affiliates and provides administrative, financial, management and technology support to the United States and international subsidiaries that engage in petroleum operations, chemicals operations, mining operations, power generation and energy services. Upstream operations consist of exploring for, developing and producing crude oil and natural gas; transporting crude oil by international oil export pipelines; transporting, storage and marketing of natural gas, and a gas-to-liquids project. Downstream operations consist of refining of crude oil into petroleum products marketing of crude oil and refined products. In September 2010, the Company completed acquisition of operating interests in three deepwater exploration blocks in the South China Sea's Pearl River Mouth Basin. In February 2011, Chevron completed the acquisition of Atlas Energy, Inc.

Liquidity Ratios (as of 12/31/2010) Current Ratio Quick Ratio Debt/Equity Leverage Ratio Initial Coverage from Cont.Operations

1.68 1.30 0.11 1.07 83.50

3.24 3.51 8.98 30 2.00 09/13/2004

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Davis New York Venture Fund ANYVTX

Profile Report

Category: Large Blend Asset Class: Large Cap Blend

Data as of 10/31/2011 Operations

Composition (as of 7/31/2011)

Fund Family Davis Funds CUSIP 239080104 Fund Inception Date 2/17/1969 Net Asset Value (NAV) $32.70 Net Assets (11/30/2011) $14,630.90 Mil Turnover (7/31/2011) 8.00% Last Income Dividend (12/1/2010) $0.3750 Last Capital Gain (11/30/2000) $2.6400 Dividend Yield (12 months) 1.09% Dividend Yield (30 days) 1.09%

% Of Portfolio Equity Fixed Income

0.1

Cash

0.7

Other

0.0

Fees & Expenses

Total Expense Ratio (Gross) 12b-1 Fee Max Front End Sales Charge Max Redemption Fee Max Deferred Sales Charge

99.2

MPT Stats

North America

84.4

Latin America

1.5

Europe

Standard Deviation Alpha (%) Beta R-Squared (%) Sharpe Treynor

10.5

Emerging Markets Europe

0.0

Asia-Pacific

1.9

Emerging Markets Asia

0.9

Middle East/North Africa

0.0

Africa

0.0

Other

0.0

% of Holdings

1. American Express Co ORD 2. Bank of New York Mellon 3. Costco Wholesale Corp O 4. Wells Fargo & Co ORD 5. CVS Caremark Corp ORD All holdings related data as of 7/31/2011

The Fund seeks long term growth of capital. The Advisors of the fund uses the Davis investment Discipline to invest the majority of assets of the fund in equity securities issued by large companies with market capitalizations of at least 10 billion. The Fund has the flexibility to invest a limited portion of its assets in companies of any size to invest in companies whose shares may be subject to controversy, to invest in foreign securities including depositary receipts and to invest in non equity securities.

0.89% 0.24% 4.75% 0.00% 0.50%

EQ Geographic Breakdown (% of Total)

Top Holdings

Fund Description

4.9 4.6 4.4 4.3 4.0

5 Year 10 Year 21.10 17.20 0.53 2.67 1.06 1.00 97 95 -0.13 0.15 -0.22 0.22

EQ Sector Weightings (%) (7/31/2011)

% of Holdings 6. Occidental Petroleum Co 7. Eog Resources Inc ORD 8. Devon Energy Corp ORD 9. Loews Corp ORD 10. Canadian Natural Resour

3 Year 21.91 -0.86 1.08 97 0.40 0.64

3.7 3.6 3.4 3.2 3.1

Financials Consumer Staples Energy Health Care Information Technology Materials Consumer Discretionary Industrials Telecom Services Utilities Unclassified

Total Returns (%)

27.4 17.9 15.8 13.2 7.3 6.9 5.7 5.5 0.4 0.0 0.0

NAVLoad-Adjusted†

Year-To-Date -4.78 1 Month 11.07 3 Month -5.41 1 Year 2.59 -9.70 3 Year 8.77 -3.00 5 Year -1.54 -3.91 10 Year Average 4.41 2.90 15 Year Average 6.64 5.84 20 Year Average 9.41 8.73 Since Inception 11.59 11.22 † Load Adjusted Return data as of 9/30/2011

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Hartford Capital Apprec AITHAX

Profile Report

Category: Large Blend Asset Class: Large Cap Blend

Data as of 10/31/2011 Operations

Composition (as of 10/31/2011)

Fund Family Hartford Mutual Funds CUSIP 416645406 Fund Inception Date 7/22/1996 Net Asset Value (NAV) $30.55 Net Assets (11/30/2011) $5,424.70 Mil Turnover (10/31/2010) 70.00% Last Income Dividend (12/22/2008) $0.3135 Last Capital Gain (11/14/2007) $3.7277 Dividend Yield (12 months) 0.00% Dividend Yield (30 days) 0.00%

% Of Portfolio Equity Fixed Income

0.3

Cash

2.0

Other

0.1

Fees & Expenses

Total Expense Ratio (Gross) 12b-1 Fee Max Front End Sales Charge Max Redemption Fee Max Deferred Sales Charge

97.5

1.15% 0.25% 5.50% 0.00% 1.00%

North America

67.8

Latin America

2.2

Europe

Standard Deviation Alpha (%) Beta R-Squared (%) Sharpe Treynor

11.3

Emerging Markets Europe

0.0

Asia-Pacific

8.6

Emerging Markets Asia

2.1

Middle East/North Africa

3.4

Africa

1.1

Other

1.3

% of Holdings

1. Ford Motor Co ORD 2. JPMorgan Chase & Co ORD 3. Teva Pharmaceutical Ind 4. Dow Chemical Co ORD 5. Google Inc ORD All holdings related data as of 10/31/2011

The Fund seeks growth of capital. The Fund seeks its goal by investing primarily in stocks selected on the basis of potential for capital appreciation. The Fund may normally invest at least 65 percent of its total assets in common stocks of small, medium and large companies. The Fund may invest up to 35 percent of its total assets in securities of foreign issuers and non dollar securities, including emerging market securities. The sub adviser of the Fund identifies companies that have substantial near term capital appreciation potential regardless of company size or industry.

MPT Stats

EQ Geographic Breakdown (% of Total)

Top Holdings

Fund Description

5.3 5.1 3.4 3.1 3.0

5 Year 10 Year 24.01 20.10 0.89 3.57 1.16 1.14 91 90 -0.11 0.18 -0.20 0.25

EQ Sector Weightings (%) (9/30/2011)

% of Holdings 6. Itochu Corp ORD 7. Chesapeake Energy Corp 8. Mitsubishi UFJ Financia 9. General Electric Compan 10. Oracle Corp ORD

3 Year 23.10 -0.18 1.11 93 0.42 0.70

2.7 2.7 2.5 2.4 2.4

Information Technology Financials Industrials Energy Health Care Consumer Discretionary Materials Consumer Staples Telecom Services Utilities Unclassified

Total Returns (%)

19.4 17.9 15.2 13.8 10.7 10.5 7.3 4.9 0.4 0.0 0.0

NAVLoad-Adjusted†

Year-To-Date -11.78 1 Month 12.61 3 Month -8.09 1 Year -5.71 -17.03 3 Year 9.81 -4.09 5 Year -1.50 -4.09 10 Year Average 5.32 3.78 15 Year Average 10.64 9.59 20 Year Average Since Inception 11.97 10.77 † Load Adjusted Return data as of 9/30/2011

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Hartford MidCap AHFMCX

Profile Report

Category: Mid-Cap Growth Asset Class: Mid Cap Growth

Data as of 10/31/2011 Operations

Composition (as of 10/31/2011)

Fund Family Hartford Mutual Funds CUSIP 416645711 Fund Inception Date 12/30/1997 Net Asset Value (NAV) $20.67 Net Assets (11/30/2011) $1,672.40 Mil Turnover (10/31/2010) 56.00% Last Income Dividend (12/20/2007) $0.1109 Last Capital Gain (11/14/2007) $3.9620 Dividend Yield (12 months) 0.00% Dividend Yield (30 days) 0.00%

% Of Portfolio Equity Fixed Income

0.0

Cash

0.1

Other

0.0

Fees & Expenses

Total Expense Ratio (Gross) 12b-1 Fee Max Front End Sales Charge Max Redemption Fee Max Deferred Sales Charge

99.9

MPT Stats

North America

97.6

Latin America

0.6

Europe

1.8

Emerging Markets Europe

0.0

Asia-Pacific

0.0

Emerging Markets Asia

0.0

Middle East/North Africa

0.0

Africa

0.0

Other

0.0

% of Holdings

1. Verisign Inc ORD 2. Genpact Ltd ORD 3. PACCAR Inc ORD 4. M&T Bank Corp ORD 5. Watson Pharmaceuticals All holdings related data as of 10/31/2011

The Fund seeks long term growth of capital. The Fund seeks its goal by investing primarily in stocks selected on the basis of potential for capital appreciation. The Fund invests at least 80 percent of its assets in common stocks of mid capitalization companies. The Fund defines mid capitalization companies as companies with market capitalizations within the collective range of the Russell Mid cap and S and P Mid cap 400 Indices. The Fund may invest up to 20 percent of its assets in securities of foreign issuers and non dollar securities.

1.25% 0.25% 5.50% 0.00% 1.00%

Standard Deviation Alpha (%) Beta R-Squared (%) Sharpe Treynor

EQ Geographic Breakdown (% of Total)

Top Holdings

Fund Description

2.2 2.1 1.9 1.8 1.8

5 Year 10 Year 21.87 18.54 -0.32 1.56 0.89 0.87 96 94 0.07 0.33 0.15 0.57

EQ Sector Weightings (%) (9/30/2011)

% of Holdings 6. Ensco PLC DR 7. Pioneer Natural Resourc 8. Harley-Davidson Inc ORD 9. Manpower Inc ORD 10. Mylan Inc ORD

3 Year 21.15 -5.18 0.94 97 0.58 1.04

1.7 1.7 1.6 1.6 1.6

Information Technology Industrials Health Care Financials Energy Consumer Discretionary Materials Utilities Telecom Services Consumer Staples Unclassified

Total Returns (%)

19.1 18.9 17.6 11.5 10.3 9.8 5.2 4.8 1.5 1.4 0.0

NAVLoad-Adjusted†

Year-To-Date -6.09 1 Month 14.33 3 Month -6.85 1 Year 2.53 -12.43 3 Year 12.42 -1.81 5 Year 2.89 -0.32 10 Year Average 7.94 6.57 15 Year Average 20 Year Average Since Inception 10.92 9.47 † Load Adjusted Return data as of 9/30/2011

12/06/2011

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Jim & Susan

Home Depot Inc HD (NYSE)

Profile Report

Latest Price : $ 40.23 (12/05/2011)

Shares Outstanding (Mil) : 1,564 (11/30/2011)

Price Graph (up to 60 months)

Fundamentals (as of 11/30/2011) Co. $2.33 3.18 $4.91 $57,050 $39.79 $28.13 15.65 2.84 0.85 10.05

Month End EPS Dividend Yield % Net Profit Margin Market Cap (Mil) 52 Week High 52 Week Low P/E Current Price/Book Price/Sales Price/Cash Flow

First Call Consensus BUY

BUY/HOLD

*S&P 500 $3.08 2.13 $8.43 $21,085 $45.84 $30.94 1.68 0.98 6.63

HOLD

HOLD/SELL

SELL

2.2

Performance (as of 10/31/2011)

Total Returns (%)

S&P 500 (%)

15 % 10 %

Consumer Discretionary Specialty Retail 2455 Paces Ferry Road North West, Atlanta, GA 30339 Investor Relations +1 770 433-8211 Sector Industry Address

0% -5 % Total Returns (%) S&P 500 (%)

YTD

1 Year

3 Year

5 Year

10 Year

15 Year

20 Year

4.31 -0.35

19.28 5.92

18.79 8.96

2.32 -1.88

1.38 1.69

9.03 3.91

10.34 5.98

*Benchmark: S&P 500 Composite Index

Financial Statement (as of 01/30/2011) Income Statement ($Mil)

Balance Sheet (as of 01/30/2011)

Net Income Expenses

Total Assets ($Mil) Current Assets Cash Inventories Non-Current Assets Total Liabilities Current Liabilities Long Term Debt Total Equity

Revenue

Net Income 1000

0 Q1

2010

Q4 2011

Cash Flow From Oper Depr & Amor Deffered Taxes Other Income Capital Spending Free Cash Flows

20000 10000 0 Q1

2010

5,374 1,718 104 3,552 1,096 2,709

2011

Profitability Ratios (as of 01/30/2011) Return on Equity (ROE) Return on Assets (ROA) Return on Invested Capital Pre-Tax Profit Margin (%) Post-Tax Profit Margin (%) Net Profit Margin (%)

40,104 13,479 545 10,625 26,625 21,215 10,122 8,707 18,889

Cash Flow Statement (Annual)

Revenue - Expenses

12/06/2011

2.2 4 1 28

Company Overview

Current Mean High Low Number of Analysts

20 %

17.4 9.1 12.8 7.8 4.9 4.9

Dividends (as of 01/30/2011) Current Div/Share Dividend Yield % 5 Year Growth % Payout Ratio % Split Ratio Last Split

The Home Depot, Inc. (The Home Depot) is a home improvement retailer. The Home Depot stores sells an assortment of building materials, home improvement and lawn and garden products and provide a number of services. The Home Depot stores average approximately 105,000 square feet of enclosed space, with approximately 24,000 additional square feet of outside garden area. As of January 30, 2010, the Company had 2,248 The Home Depot stores located throughout the United States, including the Commonwealth of Puerto Rico and the territories of the United States Virgin Islands and Guam, Canada, China and Mexico. The Home Depot stores serve three primary customer groups: -It-Yourself (D-I-Y) Customers, Do-It-For-Me (D-I-F-M) customers and Professional Customers. During the fiscal year ended January 30, 2010, the Company launched products, such as EcoSmart LED light bulbs, Commercial Electric electrical tools, Husky tool bags, Platinum Plus carpet.

Liquidity Ratios (as of 01/30/2011) Current Ratio Quick Ratio Debt/Equity Leverage Ratio Initial Coverage from Cont.Operations

1.33 0.16 0.52 4.61 10.89

1.16 3.18 9.03 47 1.50 12/31/1999

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KEELEY Small Cap Value AKSCVX

Profile Report

Category: Small Blend Asset Class: Small Cap Blend

Data as of 10/31/2011 Operations

Composition (as of 9/30/2011)

Fund Family Keeley Funds CUSIP 487300501 Fund Inception Date 10/1/1993 Net Asset Value (NAV) $23.47 Net Assets (11/30/2011) $2,261.80 Mil Turnover (9/30/2010) 9.00% Last Income Dividend (12/29/2009) $0.0370 Last Capital Gain (12/27/2007) $0.6753 Dividend Yield (12 months) 0.00% Dividend Yield (30 days) 0.00%

% Of Portfolio Equity Fixed Income

0.0

Cash

1.5

Other

0.0

Fees & Expenses

Total Expense Ratio (Gross) 12b-1 Fee Max Front End Sales Charge Max Redemption Fee Max Deferred Sales Charge

98.5

MPT Stats

North America

97.1

Latin America

0.0

Europe

1.4

Emerging Markets Europe

0.0

Asia-Pacific

0.0

Emerging Markets Asia

0.0

Middle East/North Africa

0.0

Africa

0.0

Other

0.0

% of Holdings

1. Treehouse Foods Inc ORD 2. Range Resources Corp OR 3. Fidelity Instl Governme 4. Westinghouse Air Brake 5. Colfax Corp ORD All holdings related data as of 9/30/2011

The Fund seeks capital appreciation. The Fund intends to pursue its investment objective by investing in companies with small market capitalization, which currently defined as $2.5 billion. The Fund may invest at least 80 percent of its net assets plus the amount of any borrowings for investment purposes in common stocks and other equity type securities including preferred stock convertible debt securities and warrants of companies with small market capitalization.

1.36% 0.25% 4.50% 0.00% 0.00%

Standard Deviation Alpha (%) Beta R-Squared (%) Sharpe Treynor

EQ Geographic Breakdown (% of Total)

Top Holdings

Fund Description

1.3 1.2 1.2 1.1 1.1

5 Year 10 Year 29.30 23.68 -1.36 1.96 1.08 0.99 90 86 -0.07 0.30 -0.15 0.59

EQ Sector Weightings (%) (9/30/2011)

% of Holdings 6. ITC Holdings Corp ORD 7. Contango Oil & Gas Co O 8. Perrigo Co ORD 9. Genesee & Wyoming Inc O 10. Walter Investment Manag

3 Year 29.03 -3.87 1.05 97 0.31 0.69

1.1 1.1 1.0 1.0 1.0

Industrials Financials Consumer Discretionary Energy Materials Consumer Staples Health Care Information Technology Utilities Telecom Services Unclassified

Total Returns (%)

32.7 17.8 12.9 11.0 10.9 3.7 3.5 3.3 2.9 0.0 1.3

NAVLoad-Adjusted†

Year-To-Date -6.01 1 Month 15.67 3 Month -9.59 1 Year 7.17 -8.47 3 Year 9.13 -6.98 5 Year -0.73 -3.11 10 Year Average 9.04 7.17 15 Year Average 10.57 9.06 20 Year Average Since Inception 11.07 9.76 † Load Adjusted Return data as of 9/30/2011

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Jim & Susan

Lowe's Companies Inc. LOW (NYSE) Latest Price : $ 24.35 (12/05/2011)

Profile Report

Shares Outstanding (Mil) : 1,260 (11/30/2011)

Price Graph (up to 60 months)

Fundamentals (as of 11/30/2011) Co. $1.38 1.85 $4.08 $28,577 $27.45 $19.35 16.43 1.61 0.72 7.86

Month End EPS Dividend Yield % Net Profit Margin Market Cap (Mil) 52 Week High 52 Week Low P/E Current Price/Book Price/Sales Price/Cash Flow

First Call Consensus BUY

BUY/HOLD

*S&P 500 $3.08 2.13 $8.43 $21,085 $45.84 $30.94 1.68 0.98 6.63

HOLD

HOLD/SELL

SELL

2.3

Performance (as of 10/31/2011) 20 % 15 % 10 % 5% 0% -5 % -10 % -15 %

Total Returns (%)

S&P 500 (%)

Consumer Discretionary Specialty Retail 1000 Lowe's Blvd, Mooresville, NC 28117 Investor Relations +1 704 758-1000 Sector Industry Address

YTD

1 Year

3 Year

5 Year

10 Year

15 Year

20 Year

-14.37 -0.35

0.63 5.92

0.83 8.96

-5.43 -1.88

3.11 1.69

10.90 3.91

18.64 5.98

Financial Statement (as of 01/28/2011) Income Statement ($Mil)

Balance Sheet (as of 01/28/2011)

Net Income Expenses

Total Assets ($Mil) Current Assets Cash Inventories Non-Current Assets Total Liabilities Current Liabilities Long Term Debt Total Equity

Revenue

Net Income 1000 500 0 Q1

2010

Q4 2011

Cash Flow From Oper Depr & Amor Deffered Taxes Other Income Capital Spending Free Cash Flows

10000 0 Q1

2010

3,779 1,684 -133 2,228 1,329 1,879

2011

Profitability Ratios (as of 01/28/2011) Return on Equity (ROE) Return on Assets (ROA) Return on Invested Capital Pre-Tax Profit Margin (%) Post-Tax Profit Margin (%) Net Profit Margin (%)

33,699 9,967 1,123 8,321 23,732 15,587 7,119 6,537 18,112

Cash Flow Statement (Annual)

Revenue - Expenses

12/06/2011

2.3 5 1 26

Current Mean High Low Number of Analysts

*Benchmark: S&P 500 Composite Index

Company Overview

Total Returns (%) S&P 500 (%)

10.7 6.6 9.1 6.6 4.1 4.1

Dividends (as of 01/28/2011) Current Div/Share Dividend Yield % 5 Year Growth % Payout Ratio % Split Ratio Last Split

Lowe's Companies, Inc. (Lowe's) is a home improvement retailer. As of January 28, 2011, the Company operated 1,749 stores, consisted of 1,723 stores across 50 United States states and 24 stores in Canada and two in Mexico. Its 1,749 stores represent approximately 197 million square feet of retail selling space. The Company serves homeowners, renters and commercial business customers. Individual homeowners and renters complete various projects differently and vary along the spectrum of do-it-yourself (DIY) and do-it-for-me (DIFM). During the fiscal year ended January 28, 2011 (fiscal 2010), it opened 42 new stores, including eight Canadian stores and two stores in Mexico. Its store openings included three primary prototypes: 117,000-square-foot (117K) and 103,000-square-foot (103K) stores for large markets and a 94,000-square-foot (94K) store to serve smaller markets. On October 16, 2011, the Company closed 10 underperforming stores.

Liquidity Ratios (as of 01/28/2011) Current Ratio Quick Ratio Debt/Equity Leverage Ratio Initial Coverage from Cont.Operations

1.40 0.16 0.36 3.61 10.16

0.42 1.85 30.73 29 2.00 07/03/2006

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Microsoft Corp. MSFT (NASDAQ) Latest Price : $ 25.7 (12/05/2011)

Profile Report Shares Outstanding (Mil) : 8,412 (11/30/2011)

Price Graph (up to 60 months)

Fundamentals (as of 11/30/2011) Month End EPS Dividend Yield % Net Profit Margin Market Cap (Mil) 52 Week High 52 Week Low P/E Current Price/Book Price/Sales Price/Cash Flow

Co. $2.75 2.39 $33.10 $204,416 $29.46 $23.65 8.84 3.36 4.02 7.08

First Call Consensus BUY

BUY/HOLD

*S&P 500 $3.08 2.13 $8.43 $21,085 $45.84 $30.94 1.68 0.98 6.63

HOLD

HOLD/SELL

SELL

2.1

Performance (as of 10/31/2011)

Total Returns (%)

S&P 500 (%)

15 % 10 %

Information Technology Software One Microsoft Way, Redmond, WA 98052-6399 Investor Relations +1 425 882-8080 Sector Industry Address

0% -5 % Total Returns (%) S&P 500 (%)

YTD

1 Year

3 Year

5 Year

10 Year

15 Year

20 Year

-2.78 -0.35

2.37 5.92

8.52 8.96

0.45 -1.88

1.52 1.69

9.58 3.91

15.32 5.98

*Benchmark: S&P 500 Composite Index

Financial Statement (as of 06/30/2011) Income Statement ($Mil)

Balance Sheet (as of 06/30/2011)

Net Income Expenses

Total Assets ($Mil) Current Assets Cash Inventories Non-Current Assets Total Liabilities Current Liabilities Long Term Debt Total Equity

Revenue

Net Income 7500 5000 2500 0 Q4

2010

Q3 2011

20000

Cash Flow From Oper Depr & Amor Deffered Taxes Other Income Capital Spending Free Cash Flows

10000 0 Q4

2010

29,997 2,537 2 27,458 2,355 22,462

2011

Profitability Ratios (as of 06/30/2011) Return on Equity (ROE) Return on Assets (ROA) Return on Invested Capital Pre-Tax Profit Margin (%) Post-Tax Profit Margin (%) Net Profit Margin (%)

108,704 74,918 52,968 1,372 33,786 51,621 28,774 11,921 57,083

Cash Flow Statement (Annual)

Revenue - Expenses

12/06/2011

2.1 5 1 36

Company Overview

Current Mean High Low Number of Analysts

20 %

44.8 24.0 38.5 40.1 33.1 33.1

Dividends (as of 06/30/2011) Current Div/Share Dividend Yield % 5 Year Growth % Payout Ratio % Split Ratio Last Split

Microsoft Corporation is engaged in developing, licensing and supporting a range of software products and services. It also designs and sells hardware, and delivers online advertising to the customers. It has five segments: Windows & Windows Live Division (Windows Division), Server and Tools, Online Services Division (OSD), Microsoft Business Division (MBD), and Entertainment and Devices Division (EDD). Its products include operating systems for personal computers (PCs), servers, phones, and other intelligent devices; server applications for distributed computing environments; productivity applications; business solution applications; desktop and server management tools; software development tools; video games, and online advertising. Its cloud-based computing services include Bing and Windows Live Essentials suite. In October 2011, it acquired Skype Global S.a r.l. In November 2011, the Company acquired VideoSurf Inc.

Liquidity Ratios (as of 06/30/2011) Current Ratio Quick Ratio Debt/Equity Leverage Ratio Initial Coverage from Cont.Operations

2.60 2.36 0.21 2.09 96.16

0.58 2.39 7.18 22 2.00 02/18/2003

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Office Depot Inc. ODP (NYSE) Latest Price : $ 2.44 (12/05/2011)

Profile Report Shares Outstanding (Mil) : 280 (11/30/2011)

Price Graph (up to 60 months)

Fundamentals (as of 11/30/2011) Co. $-0.04 0.00 $0.30 $550 $6.25 $1.75 -49.00 0.67 0.13 1.45

Month End EPS Dividend Yield % Net Profit Margin Market Cap (Mil) 52 Week High 52 Week Low P/E Current Price/Book Price/Sales Price/Cash Flow

First Call Consensus BUY

BUY/HOLD

*S&P 500 $3.08 2.13 $8.43 $21,085 $45.84 $30.94 1.68 0.98 6.63

HOLD

HOLD/SELL

SELL

2.9

Performance (as of 10/31/2011)

Total Returns (%)

S&P 500 (%)

-60 % Total Returns (%) S&P 500 (%)

YTD

1 Year

3 Year

5 Year

10 Year

15 Year

20 Year

-57.59 -0.35

-49.00 5.92

-14.00 8.96

-44.11 -1.88

-16.32 1.69

-10.97 3.91

-3.83 5.98

*Benchmark: S&P 500 Composite Index

Financial Statement (as of 12/25/2010) Income Statement ($Mil)

Balance Sheet (as of 12/25/2010)

Net Income Expenses

Total Assets ($Mil) Current Assets Cash Inventories Non-Current Assets Total Liabilities Current Liabilities Long Term Debt Total Equity

Revenue

Net Income 100 50 Q4

2010

2011

Cash Flow From Oper Depr & Amor Deffered Taxes Other Income Capital Spending Free Cash Flows

2500 1250 0 Q4

2010

12/06/2011

377 208 16 153 169 180

2011

Profitability Ratios (as of 12/25/2010) Return on Equity (ROE) Return on Assets (ROA) Return on Invested Capital Pre-Tax Profit Margin (%) Post-Tax Profit Margin (%) Net Profit Margin (%)

4,619 3,091 628 1,234 1,528 3,484 2,343 660 766

Cash Flow Statement (Annual)

Revenue - Expenses

Consumer Discretionary Specialty Retail 6600 North Military Trail, Boca Raton, FL 33496 Investor Relations +1 561 438-4800 Sector Industry Address

-40 %

2.9 5 1 18

Company Overview

-20 %

-50

Current Mean High Low Number of Analysts

20 %

-0.3 1.5 3.9 -0.8 0.3 0.3

Office Depot, Inc. (Office Depot) is a global supplier of office products and services. The Company operates in three business segments: North American Retail Division, North American Business Solutions Division and International Division. The North American Retail Division includes its retail office supply stores in the United States and Canada, which offers office supplies and services, computers and business machines and related supplies, and office furniture. The stores also offer a copy and print center offering printing, reproduction, mailing and shipping. The North American Business Solutions Division sells office supply products and services in the United States and Canada directly to businesses through catalogs, Internet Websites and a dedicated sales force. Its International Division sells office products and services through catalogs, Internet Websites, a dedicated sales force and retail stores.

Liquidity Ratios (as of 12/25/2010) Current Ratio Quick Ratio Debt/Equity Leverage Ratio Initial Coverage from Cont.Operations

1.32 0.71 0.96 8.62 -0.25

Dividends (as of 12/25/2010) Current Div/Share Dividend Yield % 5 Year Growth % Payout Ratio % Split Ratio Last Split

0.00 0.00 0.00 0 1.50 04/05/1999

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Templeton Foreign ATEMFX

Profile Report

Category: Foreign Large Value Asset Class: International Equity

Data as of 10/31/2011 Operations

Composition (as of 9/30/2011)

Fund Family Franklin Templeton Investm CUSIP 880196209 Fund Inception Date 10/5/1982 Net Asset Value (NAV) $6.59 Net Assets (10/31/2011) $3,774.10 Mil Turnover (8/31/2011) 35.00% Last Income Dividend (12/17/2010) $0.1243 Last Capital Gain (12/19/2008) $1.9998 Dividend Yield (12 months) 1.78% Dividend Yield (30 days) 1.78%

% Of Portfolio Equity Fixed Income

0.0

Cash

1.7

Other

0.6

Fees & Expenses

Total Expense Ratio (Gross) 12b-1 Fee Max Front End Sales Charge Max Redemption Fee Max Deferred Sales Charge

97.7

1.19% 0.25% 5.75% 0.00% 1.00%

North America

3.7

Latin America

0.9

Europe

Standard Deviation Alpha (%) Beta R-Squared (%) Sharpe Treynor

66.6

Emerging Markets Europe Asia-Pacific

13.1

Emerging Markets Asia

12.2

Middle East/North Africa

0.0

Africa

0.0

Other

0.0

% of Holdings 3.1 2.8 2.7 2.5 2.4

% of Holdings 6. Samsung Electronics Co 7. Statoil ASA ORD 8. Tesco PLC ORD 9. Vodafone Group PLC ORD 10. Cisco Systems Inc ORD

3 Year 25.63 3.56 1.08 96 0.59 1.09

5 Year 10 Year 26.41 20.59 2.88 0.53 1.09 1.03 96 95 -0.03 0.25 -0.05 0.40

EQ Sector Weightings (%) (9/30/2011)

1.2

1. ROCHE HOLDING G PAR 2. ING Groep NV ORD 3. Sanofi SA ORD 4. Credit Suisse Group AG 5. GlaxoSmithKline PLC ORD All holdings related data as of 9/30/2011

The Fund seeks long-term capital growth. The Fund invests primarily in the equity securities of companies located outside the U.S., including emerging markets. The Fund will invest at least 80 percent of its net assets in foreign securities which may include emerging markets. The Fund also invests in American, European and Global Depositary Receipts. When choosing equity investments for the Fund, the manager applies a bottom-up, value-oriented, longterm approach, focusing on the market price of company securities relative to the manager evaluation of the long-term earnings, asset value and cash flow potential of the company.

MPT Stats

EQ Geographic Breakdown (% of Total)

Top Holdings

Fund Description

2.4 2.3 2.3 2.1 2.0

Financials Information Technology Energy Telecom Services Health Care Industrials Consumer Discretionary Materials Consumer Staples Utilities Unclassified

Total Returns (%)

25.6 14.6 12.6 11.9 11.1 9.3 6.0 3.9 3.2 1.6 0.0

NAVLoad-Adjusted†

Year-To-Date -5.59 1 Month 11.70 3 Month -10.34 1 Year -3.18 -14.06 3 Year 15.21 -0.66 5 Year 0.59 -2.16 10 Year Average 6.87 5.47 15 Year Average 6.04 4.93 20 Year Average 7.45 6.52 Since Inception 11.11 10.50 † Load Adjusted Return data as of 9/30/2011

12/06/2011

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Jim & Susan

Wells Fargo & Co. WFC (NYSE) Latest Price : $ 26.74 (12/05/2011)

Profile Report Shares Outstanding (Mil) : 5,274 (11/30/2011)

Price Graph (up to 60 months)

Fundamentals (as of 11/30/2011) Month End EPS Dividend Yield % Net Profit Margin Market Cap (Mil) 52 Week High 52 Week Low P/E Current Price/Book Price/Sales Price/Cash Flow

Co. $2.70 2.04 $13.12 $123,981 $34.25 $23.02 8.71 0.97 1.73 4.80

First Call Consensus BUY

BUY/HOLD

*S&P 500 $3.08 2.13 $8.43 $21,085 $45.84 $30.94 1.68 0.98 6.63

HOLD

HOLD/SELL

SELL

Performance (as of 10/31/2011) 15 % 10 % 5% 0% -5 % -10 % -15 % -20 %

Total Returns (%)

S&P 500 (%)

Financials Commercial Banks 420 Montgomery Street, San Francisco, CA 94163 Investor Relations +1 866 249-3302 Sector Industry Address

YTD

1 Year

3 Year

5 Year

10 Year

15 Year

20 Year

-15.55 -0.35

0.62 5.92

-7.09 8.96

-4.12 -1.88

5.60 1.69

8.59 3.91

12.40 5.98

Financial Statement (as of 12/31/2010) Income Statement ($Mil)

Balance Sheet (as of 12/31/2010)

Net Income Expenses

Total Assets ($Mil) Current Assets Cash Inventories Non-Current Assets Total Liabilities Current Liabilities Long Term Debt Total Equity

Revenue

Net Income 5000 2500 0 Q4

2010

Q3 2011

Cash Flow From Oper Depr & Amor Deffered Taxes Other Income Capital Spending Free Cash Flows

20000 10000 0 Q4

2010

24,324 1,500 -2 0 0 22,542

2011

Profitability Ratios (as of 12/31/2010) Return on Equity (ROE) Return on Assets (ROA) Return on Invested Capital Pre-Tax Profit Margin (%) Post-Tax Profit Margin (%) Net Profit Margin (%)

1,258,128 0 16,044 0 0 1,130,239 0 120,760 117,719

Cash Flow Statement (Annual)

Revenue - Expenses

12/06/2011

2 5 1 33

Current Mean High Low Number of Analysts

*Benchmark: S&P 500 Composite Index

Company Overview

Total Returns (%) S&P 500 (%)

10.5 1.3 4.5 20.2 13.1 13.1

Dividends (as of 12/31/2010) Current Div/Share Dividend Yield % 5 Year Growth % Payout Ratio % Split Ratio Last Split

0.48 2.04 -17.61 9 2.00 08/14/2006

Wells Fargo & Company (Wells Fargo) is a diversified financial services company. The Company provides banking, insurance, investments, mortgage banking, investment banking, retail banking, brokerage, and consumer finance through banking stores, the Internet and other distribution channels to consumers, businesses and institutions in 50 states, the District of Columbia, and in other countries. The Company operates in three segments: Community Banking, Wholesale Banking, and Wealth, Brokerage and Retirement. The Company provides other financial services through subsidiaries engaged in various businesses, principally: wholesale banking, mortgage banking, consumer finance, equipment leasing, agricultural finance, commercial finance, securities brokerage and investment banking, insurance agency and brokerage services, computer and data processing services, trust services and investment advisory services. In September 2011, the Company acquir.

Liquidity Ratios (as of 12/31/2010) Current Ratio Quick Ratio Debt/Equity Leverage Ratio Initial Coverage from Cont.Operations

0.00 0.00 1.80 10.26 3.87

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