Example IRA

Let's look at an example in which an initial $2,000 is placed into an IRA earning 7.25 percent and an additional $2,000 is added each consecutive year. After just ten years, the IRA is worth $30,139. (No taxes are due until the funds are withdrawn.) The same initial amount in a non-tax-deferred vehicle, at the same interest, yields only $26,261. After 40 years the earnings are more dramatic. The IRA is worth $327,812, while the non-tax-deferred account is worth $188,940 (assuming an individual with a 28 percent tax bracket).

Years	IRA	Taxable Savings Account
10	$30,139	$26,261
20	$95,647	$60,301
30	$167,731	$110,952
40	$327,812	$188,940

All products not available in all states.

Beneficial Financial Group's Advantage series tax-deferred annuities and single-premium immediate annuities are not available in all states. We recommend that you thoroughly read the annuity contract for actual governing contractual provisions and certain exclusions, limitations, reductions of benefits, and terms for keeping the annuity in force. Beneficial Financial Group recommends that you consult your taxl professional or attorney on specific points of interest to you.

Advantage Annuities: form 9-601-03.

Beneficial Investment Services, Inc., (BIS) is a wholly owned subsidiary of Beneficial Financial Group. Securities and investment advisory services offered solely by Beneficial Investment Services, Inc., member FINRA/SIPC, 150 Social Hall Avenue, P.O. Box 45654, Salt Lake City,

Utah 84145-0654 (800) 278-1103.