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<body><table border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td valign="top"> <p>This page uses frames, but your browser doesn't support them.</p> </td></tr></table><table border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td valign="top"> <div align="center"> <center> <table border="0" cellpadding="0" cellspacing="0" width="550"> <tr> <td height="3"></td> </tr> <tr> <td width="100%"> <div align="center"> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td> <hr size="4" color="#3333FF"> </td> <td width="380" valign="middle" align="center"> <p style="word-spacing: 0; margin: 0" align="center"><font face="Arial" size="1" color="#3333FF">Securities offered through NEXT Financial Group, Inc.  Member FINRA/SIPC.</font></td> <td> <hr size="4" color="#3333FF"> </td> </tr> </table> </div> </td> </tr> <tr> <td> <h6 style="word-spacing: 0; margin-top: 0; margin-bottom: 0" align="center"><font size="2" face="Arial">©2008 Karl Klinger, CFP®, CLU.  All rights reserved.</font></h6> <h6 style="word-spacing: 0; margin-top: 0; margin-bottom: 0" align="center"><font size="2" face="Arial"><b>2624 Southern Blvd., Suite 100<br> Virginia Beach, Virginia 23452</b></font></h6> <div align="center"> <table border="0" cellpadding="0" cellspacing="0"> <tr> <td valign="top" align="left"><font face="Arial" size="2"><b>Phone (757) 463-1384</b></font></td> <td width="25" valign="top" align="left"></td> <td valign="top" align="left" width="35"> <script type="text/javascript" src="http://download.skype.com/share/skypebuttons/js/skypeCheck.js"></script> <a href="skype:karl.klinger?call"><img src="call_green_transparent_34x34.png" style="border: none;" alt="Skype Me™!" / width="26" height="27"></a></td> <td valign="top" align="left"><b><font face="Arial" size="2">Skype</font></b><font face="Arial" size="1"><sup>TM</sup></font></td> </tr> </table> </div> </td> </tr> <tr> <td></td> </tr> <tr> <td></td> </tr> <tr> <td></td> </tr> </table> </center> </div> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td></td> </tr> </table> </td></tr></table></body>