What Your Financial Planning
Test Score Means

By taking the Financial Planning Test, you've taken the first step
towards developing your own personal financial plan. For now, just
compare your total score to the chart below. You'll find out whether
you should be investing a portion of your money in addition to saving
it... a move that could take you even closer towards achieving your
financial goals.

FINANCIAL PLANNING CHART

If Your Test Score is...

15 points or less: You should continue to save and consider putting
money into a basic investment vehicle. We also recommend that you
consider contacting an investment professional to help you establish
a plan to accumulate more assets and better define your investment
goals.

16 to 39 points: You should contact an investment professional today
to begin an investment plan. You're doing a good job of accumulating
assets, but your financial picture has become involved enough that you
would benefit greatly with some professional guidance. Speak to one of
our investment professionals.

40 points or more: You have the resources and the need to refine your
investment program. It's also important to make certain that all the
elements of your financial picture are working together and as productively
as possible. We recommend a comprehensive financial evaluation of your
situation to reveal those areas in need of updating. You should make an
appointment as soon as possible with one of our investment professionals.

Next Steps:


This chart is for your information only. Your total score does not recommend a
particular investment, nor does it guarantee that any investment will achieve its
investment objective. Investments are not deposits and are not insured or
guaranteed by the FDIC, or any other government agency. Investments involve
investment risks including the possible loss of your principal amount. Always
ask for a prospectus and read it carefully before you make any investment in a
mutual fund.

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