Sterling Financial Group

<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/9189/Sterling%20Group_sm.jpg" alt="Sterling Financial Group" height="161" 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;"> <b>Sterling Financial Group </b> <br> <br>Phone: (315)425 -6315 <br>FAX: (315)425 -6360 <br>Email: <br><a href="mailto:Christopher.Keegan@axa-advisors.com">Christopher.Keegan@axa-advisors.com</a> <td valign="top" align="right"> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td valign=top align=right> <img src="/files/9189/ACF306C.jpg" vspace="0" border="0" height='137' width='240'></td> <td valign=top align=left><sup>*</sup></td> </tr> </table> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <span style="font-size:9pt;">Headquartered in Central New York, the Sterling Financial Group is committed to providing a comprehensive, systematic and professional range of financial products and services designed to help enhance what we call “the business of life” for each of our clients.<br><br>Whatever your personal or professional goals, we strive to offer the experience and resources you need for a bright financial future.<br></span> </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/X/TA11_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/X/TA11_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/X/TA11_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=139" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Loan Payoff</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much will it cost to pay off a loan over its lifetime?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=140" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Home Affordability</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate of the maximum amount of financing you can expect to get when you begin house hunting.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=141" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Mortgage Refinancing</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Determine whether you should consider refinancing your mortgage.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=142" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Mortgage Acceleration</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator can help you determine how soon you can pay off your mortgage.</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/X/TA11_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1357" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">The Consumer Price Index and You</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Inflation is a long-term, sustained rise in the general level of prices, as measured by the Consumer Price Index (CPI).</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1391" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">No Better Time Than Now</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> You may not associate this time of year with reviewing the beneficiaries on your life insurance policy — nonetheless, it can be a good time to take this important step.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1392" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">For Income, Pick Up This Split</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A split-annuity strategy can help you begin receiving an income stream that has the potential to last well into the future.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1418" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Every Little Bit Helps</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> IRA catch-up contributions enable investors aged 50 and older to make up ground in saving for retirement, whether they had a late start or just want to sock away more money.</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"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" valign=bottom align=center> <a href="http://www.axaonline.com/axa/general/emerald.html?url=/rs/axa/about-us/33a_National_Initiatives.html?leftnav=4,0&email=Christopher%2EKeegan%40axa%2Dadvisors%2Ecom&phone=%28315%29%20425%20%2D%204315&fax=%28315%29%20425%20%2D%206360&name=Christopher%20Keegan&fpurl=www%2ESterlingFinancialGroup%2Einfo" target="_blank"> <img src="/graphics/X/axafa1.gif" border="0"></a> </td> </tr> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/X/TA11_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/X/TA11_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>August 28, 2008 @ 12:42 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=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>11,502.51</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 89.64</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,382.46</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 20.49</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,281.66</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 10.15</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" valign=bottom> <a href="http://www.axaonline.com/axa/general/emerald.html?url=/headlineList.html?feed=aptopheadlines&selectednewsfeeds=ap.top_headlinesLap.businessLap.wall_street.reportsLbusinessweek.dailybriefing.ftL&email=Christopher%2EKeegan%40axa%2Dadvisors%2Ecom&phone=%28315%29%20425%20%2D%204315&fax=%28315%29%20425%20%2D%206360&name=Christopher%20Keegan&fpurl=www%2ESterlingFinancialGroup%2Einfo" target="_blank"> <img src="/graphics/X/TA11TodaysNews.jpg" border="0" alt="TodaysNews"></a> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/X/TA11_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/X/TA11_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/X/TA11_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/X/TA11_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/X/TA11_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="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/X/TA11_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="http://www.axaonline.com/axa/general/emerald.html?url=/3p/sp/glossary.html&email=Christopher%2EKeegan%40axa%2Dadvisors%2Ecom&phone=%28315%29%20425%20%2D%204315&fax=%28315%29%20425%20%2D%206360&name=Christopher%20Keegan&fpurl=www%2ESterlingFinancialGroup%2Einfo" target="_blank"> <img src="/graphics/X/TA11_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/X/TA11_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> </tr><tr><td colspan="3"><br> <script LANGUAGE="JavaScript">  </script> <table align="left"> <tr> <td id="footer" class="custom"> <div align="left"> <font face="Arial, Helvetica, sans-serif" size="1"> Christopher Keegan is a registered representative and investment advisor representative who offers securities products and investment advisory services through AXA Advisors, LLC (212-314-4600), member <a href="http://www.finra.org/index.htm" target="_blank">FINRA</a>/<a href="http://www.SIPC.org" target="_blank">SIPC</a>, and is an agent who offers annuity and insurance products through AXA Network, LLC and/or its affiliates, including AXA Network Insurance Agency, LLC (in California) and/or AXA Network Insurance Agency of Utah, LLC (in Utah). Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly qualified. Christopher Keegan is licensed to transact insurance business in the following states: GA, IN, NY; and is registered to offer securities in the following states: CA, FL, GA, NC, NY; and authorized to offer investment advisory services in: CA, FL, GA, NC, NY;. The information in this web site is not investment or securities advice and does not constitute an offer.<br><br> Sterling Financial Group is not owned or operated by AXA Advisors, LLC or its affiliates. </font> </div> <div align="center"> <font face="Arial, Helvetica, sans-serif" size="1"> <br> Link to <a href="javascript:open_window_footer('http://www.axaonline.com/axa/general/emerald.html?url=/index.html&email=Christopher%2EKeegan%40axa%2Dadvisors%2Ecom&phone=%28315%29%20425%20%2D%204315&fax=%28315%29%20425%20%2D%206360&name=Christopher%20Keegan&fpurl=www%2ESterlingFinancialGroup%2Einfo');" target="_self">AXAonline.com</a> </font> </div> <div align="center"> <font face="Arial, Helvetica, sans-serif" size="1"> <br> © Emerald Publications - All Rights Reserved - Please read our <a href="javascript:open_window_footer('http://www.axaonline.com/axa/general/emerald.html?url=/rs/axa/general/50_privacy.html&email=Christopher%2EKeegan%40axa%2Dadvisors%2Ecom&phone=%28315%29%20425%20%2D%204315&fax=%28315%29%20425%20%2D%206360&name=Christopher%20Keegan&fpurl=www%2ESterlingFinancialGroup%2Einfo');" target="_self">Privacy Policy</a> </font> </div> </td> </tr> </table> </td></tr></table></div></body></html>