A Target Retirement Income Plan is a nonqualified, supplemental, after-tax executive retirement benefit program that changes the focus from return on investment to certainty of predictable income in retirement.

1. An Introduction to: Target Retirement Income Plans A Nonqualified Executive Retirement Program The Outcome is Income SM Securities offered through Ameritas Investment Corp. (AIC) Member FINRA/SIPC AIC is not affiliated with Price, Raffel & Browne

4. 2008 DATA CLEARLY SHOWS Today’s economic indicators are unlikely to adequately report the various inconsistencies that may very well be prevalent in times of inconsistent inconsistencies, regardless of how other intervening factors may or may not be indicated, insomuch as one can forecast equilibrium under the unprecedented economic conditions that may continue to develop with the constraints of our global financial markets and ongoing dependence of foreign oil and domestic derivatives that have engaged our sensibilities to such an extent that it may not be possible to stop the flood of data that will continue to be misreported. Today’s economic indicators are unlikely to adequately report the various inconsistencies that may very well be prevalent in times of inconsistent inconsistencies, regardless of how other.

10. STUFFED VALUE OF $100 INVESTED MONTHLY OVER 10 YEARS TO NOVEMBER 30, 2008 Source: Morningstar

26. $1 Million Rollover with 5% Annual Withdrawal S&P 500 January 1, 2000 to Octoer 31, 2008 Jan 1, 2000 Jan 1, 2001 Jan 1, 2002 Jan 1, 2003 Jan 1, 2004 Jan 1, 2005 Jan 1, 2006 Jan 1, 2007 1/1-10/31/08 $1,000,000 $ 863,455 $ 716,735 $ 519,387 $ 604,007 $ 614,283 $ 591,989 $ 627,623 $ 609,335 $ 50,000 $ 50,000 $ 50,000 $ 50,000 $ 50,000 $ 50,000 $ 50,000 $ 50,000 $ 50,000 $ (86,545) $ (96,720) $(147,348) $ 134,620 $ 60,276 $ 27,706 $ 85,634 $ 31,712 $ (183,685) $ 863,455 $ 716,735 $ 519,387 $ 604,007 $ 614,283 $ 591,989 $ 627,623 $ 609,335 $ 375,650 -9.11% -11.89% -22.10% 28.68% 10.88% 4.91% 15.80% 5.49% -32.84% Year Dollars S&P Performance Return Beginning Balance Jan 1 Withdrawal Dec 31 Ending Balance S&P Annual Return

42. How Much Tax-Free Income Would You Like to Buy? $10,000 for 10 Years $25,000 for 10 Years $204,971 $512,426 None None $14,000 for 15 Yrs. ($615,000) $109,000 for 15 Yrs ($1,635,000) Annual Contribution Initial Death Benefit Annual Projected Income from 65 to 80 at 0% Annual Projected Income from 65 to 80 at 7%. $10,000 for 10 Years $25,000 for 10 Years $174,184 $435,460 None None $28,000 for 15 Yrs. ($420,000) $75,000 for 15 Yrs. ($1,125,000) $10,000 for 10 Years $25,000 for 10 Years $149,000 $371,523 None None $19,000 for 15 Years ($285,000) $50,500 for 15 Years ($757,500) 40 Year Old (Male/Female) Simplified Underwriting 45 Year Old (Male/Female) Simplified Underwriting 50 Year Old (Male/Female) Simplified Underwriting