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All figures represent performance of a hypothetical account with a one-time investment of $10,000 in January 2016 over a 5-year period. The graph assumes 0.79% interest rate for a 5-year Certificate of Deposit, and 0.06% interest rate for an Interest Bearing Savings account, the national averages in January 2016. The S&P 500 is used as a stock market baseline and the data is based on the S&P 500 Periodic Reinvestment Calculator. The projected returns and comparisons to major indices are estimates and for illustrative purposes only. It is not possible to invest directly in an index and the returns are not indicative of any actual investment. Actual investment results may differ substantially.

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