HELM CREZNIC & ASSOCIATES, INC.

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="left" valign="middle" colspan="3"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <br>1700 Eastpoint Parkway <br>Louisville, KY 40223 <br>Phone: (502) 589-0000 <br>FAX: (502) 254-7617 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:gcreznic@helmcreznic.com"> gcreznic@helmcreznic.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p> </p> <p><font size="2"><img alt="" hspace="5" align="right" border="0" src="/files/16481/columns.jpg" />At <font size="3"><strong>HELM, CREZNIC & ASSOCIATES, INC.</strong>,</font> we work on behalf of businesses and families to help them reach their finanical goals and objectives. Our goal is to help them maximize value and minimize risk for their assets.</font></p> <p><font size="2">As an National Financial Partners Corp. (NFP) associate, we believe our responsibility is to provide access to sophisticated resources. The professionals with our firm are currently registered to conduct securities business through NFP Securities, Inc. a broker-dealer and Member <a target="_blank" href="http://www.finra.org">FINRA</a>/<a target="_blank" href="http://www.sipc.org">SIPC</a>. NFP is the parent company of NFP Securities, Inc. </font></p> <p><font size="2">Our objective is to provide clients with financial services, product selection, investment tools and financial transaction processing and to establish an active policy voice in the companies that offer them.</font></p> <p> </p> <p> </p> <p> </p> <p> </p> <p> </p> <hr /> <p> <strong><font size="3">What does HELM, CREZNIC & ASSOCIATES, INC. offer you?</font> </strong></p> <ul> <li><strong>*</strong>Financial Planning</li> <li>*Estate Planning </li> <li>*Advisory Services </li> <li><font size="2">*<em>Advisor Enterprise</em> </font><font size="2"> (Professional Money Managers)</font></li> <li><font size="2"> Insurance (Life, Disability, LTC and Group Benefits)</font></li> <li><font size="2">*Variable Life</font></li> <li><font size="2">*Annuities</font></li> <li><font size="2">*Securities </font></li> <li><font size="2">*Mutual Funds </font></li> <li><font size="2">*401(k)</font> Plans</li> <li><font size="2"> Research </font> </li> <li><a href="http://www.bftadvisors.com/wilhoit">Blueprints for Tomorrow<sup>TM</sup> Program</a></li> </ul> <p> <table style="width: 289px; height: 194px" cellpadding="3" border="0"> <tbody> <tr> <td> <table cellpadding="3" align="center" border="0"> <tbody> <tr> <td> <p align="center"> </p> </td> </tr> </tbody> </table> <table style="width: 278px; height: 119px" cellpadding="3" border="0"> <tbody> <tr> <td> <p align="center"><font size="2"><br /> </font></p> </td> <td> <p align="center"><font size="2"><img height="89" alt="" width="86" border="0" src="/files/16481/OMKW.jpg" /><br /> </font><a href="http://www.omkw.com/content/main/"><font size="2">OMKW </font></a></p> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </p> <p> </p> <hr /> <p> </p> <p align="center"><font size="2"><strong><font size="3">HELM, CREZNIC & ASSOCIATES, INC.<br /> </font></strong>1700 Eastpoint Parkway<br /> P.O. Box 23790<br /> Louisville, KY 40223<br /> <strong>Tel:</strong> 502 589 0000 x 6127<br /> <strong>Fax: </strong>502 254 7617<br /> <strong>Email: </strong></font><a href="mailto:gcreznic@helmcreznic.com"><font size="2">gcreznic@helmcreznic.com</font></a><br /> <a href="http://www.helmcreznic.com"><font size="2">www.helmcreznic.com</font></a></p> <hr /> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/7/TA51_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/7/TA51_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/7/TA51_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=126" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Net Worth</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>A balance sheet summarizes your assets and liabilities and reveals your net worth.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=706" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Lease Payment</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much would your monthly lease payment be?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=697" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Capital Gains Taxes</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate short-term and long-term federal capital gains taxes</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=124" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Life Expectancy</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Knowing your likely life expectancy is an important factor in making long-term financial plans.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/7/TA51_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1736" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">One Final Letter</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A letter of instructions can help someone clearly state his or her preferences for many important issues such as organ donation, funeral arrangements, and other details not enumerated in a trust.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1739" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">A Long Look at the National Debt</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> To better comprehend the size and scope of the national debt, it helps to measure it against the size of the overall economy.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1767" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Making Moves to the Money Market</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Money market funds are mutual funds that invest solely in cash-equivalent assets that are categorized as low-risk, low-return investments.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2179" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Investor Emotions and Where to Find Them </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Anyone who has watched the stock market for any length of time knows it is subject to two key investor emotions: greed and fear. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <div class="flashBrandingElement" style="margin:3px 0 12px 4px;"> <script type="text/javascript"> AC_FL_RunContent('codebase','http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=7,0,19,0','width','215','height','130','src','/files/movies/statistics-b','movie','/files/movies/statistics-b','quality','high','wmode','transparent','pluginspage','http://www.macromedia.com/go/getflashplayer'); </script> <noscript> <object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="215" height="130"> <param name="movie" value="/files/movies/statistics-b.swf" /> <param name="quality" value="high" /> <param name="wmode" value="transparent" /> <embed src="/files/movies/statistics-b.swf" wmode="transparent" quality="high" width="215" height="130" /> </object> </noscript> </div> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/7/TA51_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/7/TA51_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>July 29, 2010 @ 06:44 AM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>10,497.88</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 39.81</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 2,264.56</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 23.69</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,106.13</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 7.71</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TNX" target="mondo"><strong>10 Year Treasury Note</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 3.04</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 0.05</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/7/TA51_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/7/TA51_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/7/TA51_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/7/TA51_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/7/TA51_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/7/TA51_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/7/TA51_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> </table></div></body></html>