INDEX DISCLOSURES

Investors FastTrack (FastTrack) is a company that maintains an extensive database of nearly all of the mutual funds and exchange traded funds available. 
 
FastTrack High Yield Bond is FastTrack’s composite performance of all high yield bond mutual funds and high yield ETFs (Exchange Traded Funds) in their database. 
 
The S&P 500 Stock Index is the Standard & Poor’s composite index of 500 stocks, a widely recognized unmanaged index of common stock prices.  The Index does not include dividends paid by the companies that comprise the Index. 
 
IMS Income performance is represented by the performance of the first investor account in the IMS Income program (October 27, 1997).  
 
IMS Growth performance is represented by the performance of the IMS Growth & Income Limited Partnership prior to December of 2012 and by an individual client account thereafter.

Money Market performance is represented by the performance of Fidelity Government backed Cash Reserves, ticker FDRXX.

3 Year CD performance is represented by the average of jumbo cd rates over three year periods as compiled by JCDI (Jumbo CD Investments – est. 1991).

Short-term Bond Index performance is represented by Vanguard’s Short-term Bond Index Fund, VBISX, which captures the exposure of the short-term investment-grade U.S. government and investment-grade corporate bond market.