4. Market headlines > What should you do? > What are you trying to achieve?

5. The three i’s of investing > Introspection — a way of thinking > Investigation — a way of planning > Invitation — a way of acting

7. Myths and Mindset > You don’t have enough time, money or know enough about investing > There is too much to sort through, you’re afraid of making mistakes > Someone will take care of you

8. The rules are different for women > Women earn less > Women live longer > Women have greater financial responsibilities 1 U.S. Department of Labor, Bureau of Labor Statistics, Employment Earnings, January 2007 The good news > Women represent 59.3% of the labor force, age 16 and older (as of January, 2007) 1

10. Make a PACT — A promise and a plan > To help you organize and achieve your financial goals, create a PACT: P repare A ccumulate C onsume T ransfer

11. How to progress with your PACT All characters are fictional. Molly Susan June Helen Prepare Accumulate Consume Transfer

12. Think about cash reserves Build primary reserves first 1 Build secondary reserves 2 Invest for long term 3

13. All characters are fictional. Molly Susan June Helen Prepare Accumulate Consume Transfer Young single Cash needs include: Unexpected car repair Home down payment Emergency fund Pre-retired Cash needs include: Rainy day fund Checkbook balance Kid’s braces Kid’s tuition Retired widow Cash needs include: 12 month’s living expenses Trip money Retired 80s Cash needs include: Checkbook balance Prescriptions Cash reserves needs change

14. Think about fixed income Average maturity There are risks associated with fixed income investments, including credit risk, interest rate risk, and prepayment and extension risk. In general, bond prices rise when interest rates fall and vice versa. Short Medium Long Treasury/ agency Investment-grade corporate Below investment grade Quality [

15. Think about equities Style Average maturity There are heightened risks associated with small cap, mid cap, and international investing. Small and midsized companies may be less liquid and their stocks may have greater price volatility than those of larger, more established companies. Investing in stocks involves risks, including possible loss of principal, and fluctuation in value. Investment decisions should always be made based on an investor’s specific financial needs, objectives, goals, time horizon and risk tolerance. Past performance does not guarantee future results. Investors should consider the investment objectives, risks, charges and expenses of a mutual fund carefully before investing. For a free prospectus, which contains this and other important information about the funds, call your financial advisor or visit ameriprise.com. Read the prospectus carefully before investing. Value Blend Growth Large Medium Small Short Medium Long Treasury/ agency Investment-grade corporate Below investment grade Quality [ Market capitalization [

16. Investment behaviors > Have a long time horizon > Diversify > Think about asset allocation > Dollar-cost averaging Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification is not a guarantee of overall portfolio profit and does not protect against loss. Dollar-cost averaging does not assure a profit or protect against loss in declining markets. Investors should consider their ability to continue investing through periods of low market prices.

17. What is the cost of waiting? This hypothetical example assumes an 8% annual rate of return and is not meant to represent any specific investment, investment strategy or to imply any guaranteed rate of return. It does not take into account any investment fees or charges, or federal or state taxes that may apply. $0 $50,000 $100,000 $150,000 $200,000 $118,589 < $48,000 $131,614 < $24,000 Investor A Investor B Assumes an 8% rate of return with earnings reinvested.

18. Fluctuations Past performance does not guarantee future results. These examples do not reflect sales charges, taxes or other costs associated with investing. Lehman Brothers Aggregate Bond Index, an unmanaged index, is made up of a representative list of government, corporate, asset-backed and mortgage-backed securities. The index is frequently used as a general measure of bond market performance. Standard & Poor’s 500 Index (S&P 500 Index), an unmanaged list of common stocks, is frequently used as a general measure of market performance. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. Morgan Stanley Capital International EAFE Index, an unmanaged index, is compiled from a composite of securities markets of Europe, Australia and the Far East. The index is widely recognized by investors in foreign markets as the measurement index for portfolios of non-North American securities. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. The Citigroup one-month U.S. Treasury Bill Index, an unmanaged index, represents the performance of one-month Treasury bills. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. The Dow Jones Wilshire Real Estate Investment Trust Index includes equity owners and operators of commercial and/or residential real estate. Source: Morningstar Direct & Bloomberg (1978 to 1980 Citi T-bill returns, Citi T-bill incept is 12/31/77). You may not invest directly in an index.

19. Missing the best days The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. The chart shows the S&P 500 total return. Dividends are reinvested. You cannot invest directly in an index. Source: Ned Davis Research, Inc. YS285, 2/07/2008.

21. Diversification: Year 1 Initial $10,000 investment Rate of return is for illustration purposes only and is not meant to represent any specific investment. Yields are hypothetical compounded rates of return. ? ? ? ? 6% Joyce Karen

22. Diversification: Year 1 Karen earned $23,367 more Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification is not a guarantee of overall portfolio profit and does not protect against loss. Rate of return is for illustration purposes only and is not meant to represent any specific investment. Yields are hypothetical compounded rates of return. This illustration is hypothetical and is not a forecast or guarantee of specific investment results. % Joyce Karen $42,919 $66,286 Investment A: $42,500 Investment B: $17,121 Investment C: $6,665 Investment D: ($2,500) 12% 8% 4% Loss

23. Sample Target Portfolio Asset allocation, or this investment strategy, does not assure a profit or protect against loss in declining markets. Individual financial situations will vary. This section is not intended to offer you financial planning or investment advice. Rather, the examples are hypothetical scenarios that provide information that may be helpful to you as you begin to think about investment advice. International investing involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets. Risk comfort level Time frame Tax bracket Goals International 30% Stocks 30% Bonds 30% Cash 10%

24. Sample Target Portfolio Asset allocation, or this investment strategy, does not assure a profit or protect against loss in declining markets. Individual financial situations will vary. This section is not intended to offer you financial planning or investment advice. Rather, the examples are hypothetical scenarios that provide information that may be helpful to you as you begin to think about investment advice. International investing involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets. Risk comfort level Time frame Tax bracket Goals Five years later International 30  27% Stocks 30  38% Bonds 30  27% Cash 10  8%

25. Option 1: Reinvest Asset allocation, or this investment strategy, does not assure a profit or protect against loss in declining markets. Individual financial situations will vary. This section is not intended to offer you financial planning or investment advice. Rather, the examples are hypothetical scenarios that provide information that may be helpful to you as you begin to think about investment advice. International investing involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets. Risk comfort level Time frame Tax bracket Goals Manually or automatically Cash 8% 3% 3% International 27% Bonds 27% Stocks 38% Cash 8% International 30  27% Stocks 30  38% Bonds 30  27% Cash 10  8%

26. Option 2: Add money Asset allocation, or this investment strategy, does not assure a profit or protect against loss in declining markets. Individual financial situations will vary. This section is not intended to offer you financial planning or investment advice. Rather, the examples are hypothetical scenarios that provide information that may be helpful to you as you begin to think about investment advice. International investing involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets. $$$ International 30  27% Stocks 30  38% Bonds 30  27% Cash 10  8%

27. Most investors would choose? $100 invested per month for six months: Dollar-cost averaging does not assure a profit or protect against losses in a declining market. However, over longer periods of time it can be an effective means of accumulating shares. Investors should consider their ability to continue investing through periods of low market prices. This illustration is hypothetical and is not a forecast or guarantee of specific investment results. A $10 $12 $14 $16 $18 $20 B $10 $8 $5 $5 $8 $10 C $10 $8 $5 $1 $1 $4 Option Share price

28. You would choose? $100 invested per month for six months: Dollar-cost averaging does not assure a profit or protect against losses in a declining market. However, over longer periods of time it can be an effective means of accumulating shares. Investors should consider their ability to continue investing through periods of low market prices. This illustration is hypothetical and is not a forecast or guarantee of specific investment results. A $10 $12 $14 $16 $18 $20 B $10 $8 $5 $5 $8 $10 C $10 $8 $5 $1 $1 $4 Accumulated option value Share price $850 $1,070 $850

29. Molly Susan June Helen Prepare Accumulate Consume Transfer Matching your strategy to your progress through PACT Young single A more aggressive portfolio that reflects her long time horizon Pre-retired A more balanced portfolio that includes multiple asset classes and a variety of products Retired widow A portfolio that starts leaning toward fixed income in order to address increasing cash needs Retired 80s A portfolio geared toward providing cash needs while also having an eye on efficient transfer This section is not intended to offer you financial planning or investment advice. Rather, the examples are hypothetical scenarios that provide information that may be helpful to you as you begin to think about investment choices. All characters are fictional.

30. You can always be more prepared for change Wedding Fire/Flood First house Education Retirement Dream house Travel Transfer Unexpected events Extended illness Death Planned events Client suitability and individual objectives must be the priority in all product recommendations.

31. Client suitability and individual objectives must be the priority in all product recommendations. All characters are fictional. Molly Susan June Helen Prepare Accumulate Consume Transfer Young single Primary protection needs: Disability income Property Life Pre-retired Primary protection needs: Life Disability income Property Retired widow Primary protection needs: Long-term care Asset transfer Property Retired 80s Primary protection needs: Asset transfer Long-term care Property Choosing your strategy Disability income insurance Property and casualty insurance Property loss Long-term care insurance Illness Disability Life insurance Death Annuity Long life

33. Find the numbers

34. The benefits of advice > Better saving habits > Increased confidence > More accurate planning Source: The Financial Planning Association (FPA) and Ameriprise Value of Financial Planning Study, was conducted by Harris Interactive in June/July, 2008 among 3,022 adults. While market volatility was significant during the study period, subsequent financial developments, which may have affected attitudes and behaviors, had not occurred.

36. Remember the three i’s > Introspection — a way of thinking > Investigation — a way of planning > Invitation — a way of acting

37. next steps Ameriprise Financial cannot guarantee future financial results.

38. Let’s get started. Financial planning services and investments offered through Ameriprise Financial Services, Inc. Member FINRA and SIPC. © 2005-2008 Ameriprise Financial, Inc. All rights reserved. [Presenter name], [Presenter title] [Contact Information]