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© 2012 Morningstar, Inc. All Right Reserved. Morningstar and the Morningstar logo are registered trademarks of Morningstar, Inc.

2012 Financial Communications Image Library

Table of Contents

3 Downturns and Recoveries 10 (# of Slides)

5 Exchange-Traded Funds* 12

7 Global Investing 19

11 Growth and Value Investing 11

13 Investing for Retirement 14

16 Investing in Commodities 10

18 Investing in Emerging Markets 16

21 Investing in Frontier Markets* 12

23 Target-Date Funds 10

25 Investor Behavior 19

29 Long-Term Investment Performance 9

31 Mutual Fund Investing 9

33 Portfolio Diversification 10

35 Portfolio Performance 7

37 Principles of Investing 11

39 Real Estate Investing* 19

43 Retirement Income 19

47 Risk and Volatility 14

50 Role of Immediate Annuities in Retirement 11

52 Sector Investing* 15

55 Stocks and Bonds 13

58 Taxes and Investment Performance 7

60 Understanding Deferred Annuities 14

* Available July 2012

Page # Presentation Title Page # Presentation Title

Downturns and Recoveries 3

Downturns and Recoveries 4

Exchange-Traded Funds 5

Exchange-Traded Funds 6

Global Investing 7

Global Investing 8

Global Investing 9

Global Investing 10

Growth and Value Investing 11

Growth and Value Investing 12

Investing for Retirement 13

Investing for Retirement 14

Investing for Retirement 15

Investing in Commodities 16

Investing in Commodities 17

Investing in Emerging Markets 18

Investing in Emerging Markets 19

Investing in Emerging Markets 20

Investing in Frontier Markets 21

Investing in Frontier Markets 22

Target–Date Funds 23

Target–Date Funds 24

Investor Behavior 25

Investor Behavior 26

Investor Behavior 27

Investor Behavior 28

Long-Term Investment Performance 29

Long-Term Investment Performance 30

Mutual Fund Investing 31

Mutual Fund Investing 32

Portfolio Diversification 33

Portfolio Diversification 34

Portfolio Performance 35

Portfolio Performance 36

Principles of Investing 37

Principles of Investing 38

Real Estate Investing 39

Real Estate Investing 40

Real Estate Investing 41

Real Estate Investing 42

Retirement Income 43

Retirement Income 44

Retirement Income 45

Retirement Income 46

Risk and Volatility 47

Risk and Volatility 48

Risk and Volatility 49

Role of Immediate Annuities in Retirement 50

Role of Immediate Annuities in Retirement 51

Sector Investing 52

Sector Investing 53

Sector Investing 54

Stocks and Bonds 55

Stocks and Bonds 56

Stocks and Bonds 57

Taxes and Investment Performance 58

Taxes and Investment Performance 59

Understanding Deferred Annuities 60

Understanding Deferred Annuities 61

Understanding Deferred Annuities 62