1. Not FDIC Insured May Lose Value No Bank Guarantee

2. College costs are rising Figures include tuition, fees, room, and board. Estimated growth rate of 5.0%. Sources: The College Board, 2009; and www.FinAid.org, 2009. Four years of tuition, room, and board 2009 Public college $65,570 Private college $153,596 $157,801 2027 $369,646

3. College debt is also rising Undergraduates nationwide use loans to finance 49% of their college costs. The average college senior owes $19,237 at graduation. The median starting salary for a graduate with a bachelor’s degree is $50,900. Sources: Trends in Student Aid 2007 (The College Board); National Postsecondary Student Aid Study, Trends in Undergraduate Borrowing II, March 2008.

5. Start early, contribute often This chart is for illustrative purposes only and is not intended to be representative of past or future performance. The Jones family saves $340 monthly for 18 years. The Smith family saves $1,219 monthly for 8 years. Assumes a hypothetical 8% annual return compounded monthly. The Jones family starts saving today, contributing $340 every month Total contribution $73,440 The Smith family waits 10 years to start saving, contributing $1,219 every month Total contribution $117,024 Earnings $89,714 Account value $163,154 after 18 years Earnings $46,130 Account value $163,154 after 8 years

6. 50 Merrick Road Rockville Centre NY, 11570 516-634-1304 Give us a call or come into our office for a free education savings consultation with one of our college planning experts