1. www.strategicbusinessisights.com www.strategicbusinessinsights.com/cfd Custom Graphic Analysis (CGA) Life Stages Example April 2011

2. Custom Segment Definitions……………………………………………………...5 Demographics……………………………………………………………………..7 Accounts…………………………………………………………………………21 Balance Sheets…………….……………………………………………………..42 Cards……………………………………………………………………………..57 Consumer Credit…………………………………………………………………90 Direct Marketing……………………………………………………………… 103 Health Insurance………………………………………………………………..142 Institutions……………………………………………………………………...164 Internet Financial Services……………………………………………………..196 Investments………………..……………………………………………………220 Life Events….…………………………………………..………………………249 Life Insurance…………………………………………………………………..262 Property and Casualty Insurance……………………………………………….278 Planning and Advice…………………………………………………………....294 Real Estate and Debt……………………………………………………………330 Table of Contents

3. Retirement………………………………………………………………………355 Transactions…………………………………………………………………….386 Vehicles and Credit…..………………………………………………………... 392 Attitudes………….……………………………………………………………..406 General Attitudes………….……………………………………………………407 Institution Attitudes ………….………………………………………………...438 Trust in Institutions ………….…………………………………………………454 Investment Attitudes ………….………………………………………………..463 Retirement Attitudes ………….………………………………………………..494 Credit Attitudes ………….……………………………………………………..511 Insurance Attitudes ………….…………………………………………………529 Health-Related Attitudes…………………………………………………….....546 Planning and Advice Attitudes ………….……………………………………..553 Trust in Planners and Advisors ………….……………………………………..569 Miscellaneous ………….………………………………………………………584 Appendices……………………………………………………………………..606 Table of Contents (continued)

4.  All U.S. Households (n=4374)  Single No Child: Primary head under 45; no children; not retired household; single, divorced, separated, or widowed (n=191)  Married No Child: Primary head under 45; no children; not retired household; married or living together but not married (n=244)  Oldest Child 0-17: Household supports at least one dependent child the oldest of which is under 18 (n=962)  Oldest Child 18+: Household supports at least one dependent child 18 years or older (n=497)  Preretired: Primary head is 45 years of age or older; no children; not retired household (n=1416)  Retired: No children; retired household (n=1064) *Primary head is the head of household making the largest contribution to household income Custom Segments: Life Stages Page 4

5. Table O-8 : Education - Primary head of household Base: All U.S. Households Questionnaire Page O-2, Q.8 Highest Level of Education of Primary Head of Household Page 5 Source: 2010–11 MacroMonitor

6. Table A-8 : Marital status Base: All U.S. Households Questionnaire Page A-2, Q.8 Household Marital Status Source: 2010–11 MacroMonitor Page 6

7. Tables M-7B_3, M-7A: Likely to buy/recently bought long-term care insurance Base: All U.S. Households Questionnaire Page M-3, Q. 7, Cols A, B, Item 3 Likely to Buy or Recently Bought Long-Term Care Insurance Source: 2010–11 MacroMonitor Page 7

8. Table B-10aA: Use of Internet banking Base: Have access to the Internet Questionnaire Page B-4, Q.10a, Col A Use of Internet Banking Source: 2010–11 MacroMonitor Page 8

9. Table E-17A : Ownership of securities - Summary Base: All U.S. Households Questionnaire Pages E-5, Q.10a; E-9, Q.17, Col A; E-4, Q.8a, Col A Incidence of Owning Securities Source: 2010–11 MacroMonitor Page 9

10. Tables E-17B_MEAN, E-17B_2, E-17B_3: Mean value of all securities, publicly and non-traded stock, and closed-end funds ($000s, excl 0) (*missing value substitution applied) Base: Own specific security Questionnaire Page E-9, Q.17, Col B, Net Items 1-14 and Items 1-4 Mean Value of Securities (in thousands) Source: 2010–11 MacroMonitor Page 10

11. Tables L-2, L-5: Incidences of types of life insurance Base: All U.S. Households Questionnaire Pages L-1, Q.2; L-2, Qs.4a, Cols A,B, Q.5; L-3, Qs. 6a, 7a; L-4, Q.8a Incidence of Owning Life Insurance Source: 2010–11 MacroMonitor Page 11

12. Table G-3a : Incidence of homeowner's or renter's insurance on primary residence Base: All U.S. Households Questionnaire Page G-1, Q.3a Have Homeowner’s or Renters Insurance Source: 2010–11 MacroMonitor Page 12

13. Table G-6a : Incidence of loans on primary residence - Summary Base: Own home Questionnaire Page G-2, Q.6a, Cols A,B,C Incidence of Having Loans on Primary Home Source: 2010–11 MacroMonitor Page 13

14. Table RE5, G-14A, G-14BC, G-14B_MVSA, G-14C_MVSA: Mean debts on primary home ($000s, incl 0) (missing value substitution applied) Base for Total Debt: Own Home; Base for other loans: Have type of loan on primary home Questionnaire Page G-4, Q. 14, Cols A, B, C Mean Debts on Primary Home (in thousands) Source: 2010–11 MacroMonitor Page 14

15. Table F-4 : Ownership of retirement products (Summary) Base: All U.S. Households Questionnaire Section F Incidence of Owning Retirement Accounts Source: 2010–11 MacroMonitor Page 15

16. Tables F-BAL, F-4h, F-6g, F-ANNBAL, F-5: Mean amounts held in retirement accounts (pension not included) ($000s) (missing value substitution applied) Base: Own Type Of Retirement Account Questionnaire Pages F-4, Qs. 4h, 5; F-6, Q.6g; F-7, Qs. 9d, 10d; F-8, Q.11d Mean Amounts Held in Retirement Accounts (in thousands) Source: 2010–11 MacroMonitor Page 16

17. Table N-2 : Household's financial confidence Base: All U.S. Households Questionnaire Page N-1, Q.2 Household’s Financial Confidence Source: 2010–11 MacroMonitor Page 17

18. Table B-1a : Uses for unexpected $25,000 Base: All U.S. Households Questionnaire Page B-1, Q.1a How Household Would Use A $25,000 Windfall Source: 2010–11 MacroMonitor Page 18

19. Consumer Financial Decisions: Chris Taylorctaylor@sbi-i.com+1 609 378 5041ctaylor@sbi-i.com Larry Cohen lcohen@sbi-i.com+1 609 378 5044lcohen@sbi-i.com For More Information http://www.strategicbusinessinsights.com/cfd/