Confident of Financial Viability

In view of all that has been happening in the financial services industry, everyone is right to ask the question, "Who can I trust?" While there is no way to escape market fluctuations, you should not have to worry about fraud or insolvency losses.

At THE RETIREMENT SOURCE® we believe that the best protection is in the company we keep. As a completely independent firm providing financial advice and investment products, we are free to choose to affiliate with any of dozens of companies providing investment brokerage and Registered Investment Advisory services. Our strategic alliances are extremely important to our success and the protection of our clients.

We have chosen to work as a branch office of Crown Capital Securities, L.P. and use Pershing, LLP as or primary custodian and trade execution connection for several reasons:

• We have a long history with them and know them well.
• We are confident of their financial viability.
• We have seen that they provide the necessary services to our firm and our clients.
• There are no quotas and no proprietary products to push.

As you read about our strategic alliances, we think you will agree we have provided a great measure of protection for our clients.

It is very important that you understand that neither THE RETIREMENT SOURCE®, Crown Capital Securities, L.P. nor any staff member has any control over or access to your money. Your cash and securities are always held by a separate custodian.

Crown Capital Securities, L.P. is an independent broker-dealer based in Orange, California intent on providing the highest quality of service. Because they are independent, Crown gives its investment representatives the freedom to decide which products and services are the best fit for you.

More importantly, representatives have access to a wide array of the most respected products and services available in order to best meet your goals and objectives. Included in Crown Capital's suite of non-proprietary products are stocks, bonds, mutual funds, direct participation products and a full selection of fixed and variable annuities and life insurance products. In addition, representatives can provide a full range of fee-based services ranging from financial planning consultations to comprehensive, institutional portfolio management. While Crown is licensed as a broker-dealer and Registered Investment Advisor in all 50 states, representatives must be individually licensed or registered in each state to solicit clients.

You can learn more at the firm’s website www.crowncapitalsecurities.com.

Pershing, a subsidiary of The Bank of New York Mellon Corporation, is well capitalized with a 70 year history of serving financial institutions. They are the largest global outsourcing provider offering transaction clearing in more than 60 markets, order execution in 45 markets and foreign exchange in 50 currencies. The firm currently serves more than 1,150 broker-dealers such as Crown Capital Securities, L.P., registered investment advisors, and money managers globally, including some of the leading firms in the industry, who have selected Pershing as their clearing agent or custodian for their clients' assets.

As a registered broker-dealer, Pershing is subject to the Uniform Net Capital Rule of the Securities and Exchange Act of 1934. Pershing elected to use the alternative calculation method, which requires the firm to have a net (liquid) capital of not less than 2% of the aggregate debit items arising from customer transactions. At June 30, 2008, the company's regulatory net capital of $1.3 billion exceeded the minimum required by $1.1 billion with a ratio of 15.54% vs. the 2.0% required.

You can learn more about Pershing's financial condition and the safety and security of assets held in custody at Pershing from the firm's website at www.Pershing.com.

Securities Investor Protection Corporation (SIPC)

Both Crown Capital Securities, L.P. and Pershing LLC are members of the Securities Investor Protection Corporation (SIPC). SIPC provides $500,000 of coverage per account, including $100,000 for claims for cash awaiting reinvestment. The account protection applies when a SIPC member firm fails or is unable to meet its financial obligations to securities customers. This does not protect against losses from rise and fall in the market value of investments. See www.sipc.org for a detailed explanation of the coverage.

UNLIMITED COVERAGE

Pershing provides added insurance through Lloyd's of London to cover the full value of client accounts against the firm's failure. This additional protection is automatic to all clients using Pershing for account custody at no cost to the client. More information is available at www.Pershing.com.