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<body> </head> <body text="#000066" link="#000066" vlink="#000066" alink="#000066" bgcolor="#FFFFFF" leftmargin="0" topmargin="0"> <table border="0" cellpadding="2" width="100%" cellspacing="0"> <tr> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000066; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1085" target="_top"> <img src="/graphics/tsr07063.gif" border="0" width="120" height="50" alt="A Tale of Two Investments" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000066"> <strong>A Tale of Two Investments</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000066; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1096" target="_top"> <img src="/graphics/tsr07075.gif" border="0" width="120" height="50" alt="The Health-Care Squeeze" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000066"> <strong>The Health-Care Squeeze</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000066; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1370" target="_top"> <img src="/graphics/tsr08043.gifl" border="0" width="120" height="50" alt="More Reasons to Convert" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000066"> <strong>More Reasons to Convert</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000066; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1092" target="_top"> <img src="/graphics/tsr07071.gif" border="0" width="120" height="50" alt="Update Time" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000066"> <strong>Update Time</strong> </font> <br><br> </a> </td> </tr> </table> </td> </tr> </table> <table width="100%" border="0" height="196" cellpadding="0" cellspacing="0" align="center"> <tr> <td align="right" valign="top"> <a href="calculators.cfm" target="_top"> <img src="/graphics/A/T6C1fciconA.gif" height="76" width="86" border="0" align="top"></a></td> <td valign="top" align="left"> <a href="calculators.cfm" target="_top"> <img src="/graphics/A/T6C1fciconB.gif" alt="Calculators" width="215" height="41" border="0" align="top"></a> <p style="font: bold 10pt Arial, Helvetica, sans-serif;">   <a style="text-decoration:none" href="calculators.cfm?ID=136" target="_top"> Cost of Retirement</a></p> <p style="font: bold 10pt Arial, Helvetica, sans-serif;">   <a style="text-decoration:none" href="calculators.cfm?ID=138" target="_top"> Estate Taxes</a></p> <p style="font: bold 10pt Arial, Helvetica, sans-serif;">   <a style="text-decoration:none" href="calculators.cfm?ID=133" target="_top"> Tax-Deferred Savings</a></p> <p style="font: bold 10pt Arial, Helvetica, sans-serif;">   <a style="text-decoration:none" href="calculators.cfm" target="_top">More Financial Calculators...</a></p></td> <td align="center" valign="middle"> <table border="0" cellpadding="0" cellspacing="0"><tr> <td width="16" height="16"><img src="/graphics/q1.gif" width="16" height="16"></td> <td height="16"background="/graphics/q2.gif"> <img src="/graphics/q2.gif" width="1" height="16"></td> <td width="24" height="16"><img src="/graphics/q3.gif" width="24" height="16"></td> </tr><tr> <td width="16" background="/graphics/q4.gif"> <img src="/graphics/q4.gif" width="16" height="1"></td> <td align="center" valign="middle"><table bgcolor="#DCDCDC" align="center" border="0" cellpadding="0" cellspacing="0"> <tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <font size="2"><strong>Market Watch</strong></font> - May 11, 2008 @ 10:37 PM<br><br> </font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$INDU" target="mondo"><font color="#000000"><strong>Dow Jones Industrials</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>12,745.88</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 120.90</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$COMPQ" target="mondo"><font color="#000000"><strong>Nasdaq Composite</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 2,445.52</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 5.72</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$SPX" target="mondo"><font color="#000000"><strong>S&P 500</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,388.28</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 9.40</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="lower"> <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="-1"> <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><td width="24" background="/graphics/q5.gif"> <img src="/graphics/q5.gif" width="24" height="1"></td> </tr><tr> <td width="16" height="24"><img src="/graphics/q6.gif" width="16" height="24"></td> <td height="24" background="/graphics/q7.gif"> <img src="/graphics/q7.gif" width="1" height="24"></td> <td width="24" height="24"><img src="/graphics/q8.gif" width="24" height="24"></td> </tr></table> </td> </tr> <tr><td align="center" colspan="3"><font color="#000066" face="Arial, Helvetica, sans-serif" size="-2"><br><CENTER>IMPORTANT CONSUMER INFORMATION. Ken Byers & Associates offers securities through ValMark Securities, Inc., a <a href="http://www.finra.org" target="_blank">FINRA</a> registered broker-dealer. While ValMark Securities is registered to sell securities products in all 50 United States and the District of Columbia, Ken Byers & Associates is only registered to sell securities products in Connecticut, Florida, Kentucky, Illinois, Indiana, Maine and Ohio. Ken Byers & Associates is also licensed to sell insurance products in Florida, Kentucky, Indiana, Michigan and Ohio. Ken Byers & Associates also offers investment advisory products through ValMark Advisers, Inc., a SEC Registered Investment Advisor. Through its affiliation with ValMark Advisers, Inc., Ken Byers & Associates is registered to provide investment advisory services in Ohio. The information included herein should not be considered a solicitation or an offer to sell products or services in any state besides those in which Ken Byers & Associates is properly registered/ licensed.</CENTER></font></td></tr></table> <table width="100%" align="center" border="0" cellpadding="4" cellspacing="0"><tr><td align="center"> <div align="center"><font face="Arial, Helvetica, sans-serif"><font size="2"><br>[ <a style="text-decoration:none" href="research.cfm" target="_top">Articles</a> | <a style="text-decoration:none" href="calculators.cfm" target="_top">Calculators</a> | <a style="text-decoration:none" href="newsletters.cfm" target="_top">Newsletters</a> | <a style="text-decoration:none" href="quotes.cfm" target="mondo">Quotes</a> | <a href="https://www.emeraldsecure.com/contact_form.cfm?SSLID=4557&SN=201473382" onclick="javascript:infobox('https://www.emeraldsecure.com/contact_form.cfm?SSLID=4557&SN=201473382','680','550'); return false;" target="_blank" style="text-decoration:none">Contact Us</a> ] </font></td></tr> <tr><td align="center"><font face="Arial, Helvetica, sans-serif"><font size="2"><strong>Like this site? <a style="text-decoration:none" href="https://www.emeraldsecure.com/tellafriend.cfm?SSLID=4557&SN=201473382" onclick="javascript:infobox('https://www.emeraldsecure.com/tellafriend.cfm?SSLID=4557&SN=201473382','400','335'); return false;" target="_blank">Tell a Friend.</a> </strong></font></td></tr> <tr><td align="center"><font face="Arial, Helvetica, sans-serif" size="1"> <a style="text-decoration:none" href="copyright.html" onclick="javascript:infobox('copyright.html','400','335'); return false;" target="_blank"> Copyright 2008 by Emerald Publications.</a><br> </font></td></tr></table></div></body></html>