THE FRIEDEN AGENCY

<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="center" width="1%" valign="middle"> <img src="/files/11328/Frieden_Agencylogorsz.jpg" alt="THE FRIEDEN AGENCY" height="104" width="200" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <br><nobr>The 3300 Building, Suite 200</nobr><br>397 Little Neck Road <br>Virginia Beach, VA 23452, <br>Phone: 757 340 9777 <br>FAX: 757 463-4661 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email: <br> <a href="mailto:sviles@jhnetwork.com"> sviles@jhnetwork.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p align=justify><font face="Verdana, arial, helvetica, sans - serif" size=2><font size=4><font face="Verdana, arial, helvetica, sans - serif" size=5>T</font></font></font><font face="Verdana, arial, helvetica, sans - serif" size=2>he Frieden Agency began operating in 1928. Founded by the late Jack J. Leterman, it was the first John Hancock agency established in the state of Virginia. From its inception, the agency has been locally owned and operated by the family of its founder.</font></p> <p align=justify><font face="Verdana, arial, helvetica, sans - serif" size=2>Although the agency's affiliation with John Hancock continues to this day, over the years the agency has expanded and today our Representatives can offer products of multiple insurance companies.</font></p> <p align=justify><font face="Verdana, arial, helvetica, sans - serif" size=2>Our business philosophy is quite simple. It is our mission to bring to our clients quality insurance and investment products in order to help them achieve their financial goals.</font></p> <p align=justify><font face="Verdana, arial, helvetica, sans - serif" size=2>In order to best serve our clients, we offer a variety of products and services.  Employee benefits, family and business insurance products form the foundation of our business.  Investment and retirement planning play an equally important role in your planning process.</font></p> <p align=justify><font face="Verdana, arial, helvetica, sans - serif" size=2>From its inception, The Frieden Agency has felt a strong sense of community and industry responsibility.  Today, members of our agency participate with and often play leadership roles in The March of Dimes, Hampton Roads Youth Center, Special Olympics, Public Broadcasting and the various organizations that are essential to the betterment of our community.</font></p> <p align=justify><font face="Verdana, arial, helvetica, sans - serif" size=2>Since 1928 it has been the mission of The Frieden Agency to serve our clients with honesty and integrity. Today we feel more committed than ever to these principles.</font></p> <p><font face="Verdana, arial, helvetica, sans - serif" size=2></font> </p> <p><font face="Verdana, arial, helvetica, sans - serif" size=2></font> </p> </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/J/TJHb_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/J/TJHb_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/J/TJHb_r5_c1.gif"> </td> <td valign="top" width="178"> <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=content.cfm?ID=135" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Roth IRA Conversion</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator can help you determine whether you should consider converting to a Roth IRA.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=695" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Plan Early Distribution</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=702" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Portfolio Lifespan</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How Long Will Your Funds Last?</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/J/TJHb_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1370" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">More Reasons to Convert</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Thanks to tax law changes, converting traditional IRA assets to a Roth IRA, or rolling over employer-sponsored retirement plans to a Roth, has become more attractive.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1369" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Conserve Your Estate</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Are your estate strategies up-to-date and ready for whatever legislative changes lie ahead?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1380" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">In a Category All Its Own</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Since exchange-traded funds (ETFs) were first introduced in 1993, interest in them has grown steadily. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1232" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Dow Know-How</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The Dow has been on a tear for many months, recently breaking 14,000. This article looks at the Dow and explains this benchmark.</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','/graphics/f06_legacy','movie','/graphics/f06_legacy','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="/graphics/f06_legacy.swf" /> <param name="quality" value="high" /> <param name="wmode" value="transparent" /> <embed src="/graphics/f06_legacy.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/J/TJHb_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/J/TJHb_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>May 14, 2008 @ 05:37 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>12,832.18</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 44.13</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/J/TJHb_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/J/TJHb_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/J/TJHb_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/J/TJHb_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/J/TJHb_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/J/TJHb_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/J/TJHb_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> </tr><tr><td colspan="3"><br><div align="center"><font face="Arial, Helvetica, sans-serif" size="1"><p> 397 LITTLE NECK RD , THE 3300 BLDG-STE 200 - VIRGINIA BEACH, VA 23452 - 757-340-9777 </p> </font></div> <p align="center"><font face="Arial, Helvetica, sans-serif" size="1"> <p>We are licensed to sell Insurance Products in the following states:<br />Alabama, Arizona, California, Colorado, DC, Delaware, Florida, Illinois, Indiana, Kentucky, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Hampshire, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia.</p> <p>We are registered to sell Securities in the following states:<br />California, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Massachusetts, Maryland, Michigan, Missouri, Montana, North Carolina, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Virginia, Washington, Wisconsin, West Virginia.</p> California Insurance License #: 0c30689</p><p align="center"> John Hancock Financial Network is a service mark of John Hancock Life Insurance Company and its affiliated companies.<br> Signator Advisory Group is a service mark of Signator Investors, Inc.<br> Insurance products offered through John Hancock Life Insurance Company, Boston, MA 02117. <br>Securities and Investment Advisory Services offered through Signator Investors, Inc., <br>Member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>, a Registered Investment Advisor. </font></p> <p><font face="Arial, Helvetica, sans-serif" size="1"><a href="SigImportantLegal.cfm" target="_blank">Important Legal Information</a></font></p> </td></tr></table></div></body></html>