We look upon our obligation to manage your money as the most serious obligation that exists.

There is no investment that can give you more peace of mind than United States Treasury Securities, which are guaranteed by the U.S. government as to payment of principal and interest.

The Wall Street Money Management Group, created by its founder, Peter Bruno, follows a unique Investment Timing Model, which employs many strategies and disciplines involved with personalized money management. Ellen Bruno Ramsey Ph. D. , Mr. Bruno's daughter, is is the Managing Director of their Nest Egg Investment Services Division. Dr. Bruno Ramsey's published research includes her dissertation entitled "Effectiveness and Efficiency of Investment Strategies: A Simulation Model".

he Wall Street Money Management Group, Inc., is an investment adviser registered with the U.S. Securities and Exchange Commission and other state securities commissions. The Wall Street Money Management Group manages money on a discretionary basis for individuals, institutions, pension trusts, profit sharing plans, KEOGHs and IRAs. The Wall Street Money Management Group does not handle cash directly. Deposits are made into an account established in the investor’s name, and over which the investor maintains full control - including the right to withdraw funds at any time.

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1. EXCLUSIVE MANAGEMENT METHODS AND ANALYSIS
   Purchases and sales of mutual funds and other investments take place according to unique portfolio management methods and analysis, which can not be found anywhere else, available exclusively through the Wall street Money Management Group, Inc.
2. PROTECTIVE INVESTMENT STRATEGIES
   Investors enjoy the benefits designed into the program to provide protective disciplines and the insight granted by the low risk market entry point indicators.
3. A DISCIPLINED, UNEMOTIONAL APPROACH TO INVESTING
   All investment purchase and sale decisions are the result of a disciplined, unemotional approach to investing which eliminates the type of personal trauma sometimes associated with managing and minimizing loss.
4. 30-DAY MONEY BACK GUARANTEE
   A new client may cancel within the first thirty (30) days and receive a full refund of administrative fees by notifying us in writing, by certified mail. more

PHILOSOPHY
We look upon our obligation to manage your money as the most serious responsibility that exists.
The Wall Street Money Management Group, Inc., is an investment adviser registered with the U.S. Securities and Exchange Commission and other state securities commissions. The Wall Street Money Management Group manages money on a discretionary basis for individuals, institutions, pension trusts, profit sharing plans, KEOGHs and IRAs. The Wall Street Money Management Group does not handle cash directly. Deposits are made into an account established in the investor's name, and over which the investor maintains full control - including the right to withdraw funds at any time.

The Wall Street Money Management Group, created by its founder, Peter Bruno, follows a unique Investment Timing Model, which employs many strategies and disciplines involved with personalized money management. Ellen Bruno Ramsey, Ph.D., Mr. Bruno's daughter, is the Managing Director of their Nest Egg Investment Services Division. Dr. Ramsey's published research includes her dissertation entitled "Effectiveness and Efficiency of Investment Strategies: A Simulation Model."

We are dedicated to providing our clients with the utmost in satisfaction and service. This means that at all times you have the full support of competent, experienced investment professionals who understand your needs.

The preservation of account capital is regarded as the primary fiduciary responsibility of the Wall Street Money Management Group and its NEST EGG INVESTMENT ACCOUNT.

CAPITAL PROTECTION STRATEGY AND DISCIPLINES
Accordingly, several protective disciplines are built into the firm's standard operating procedures. Due to the inherent nature of all investment markets, no one really knows with absolute certainty what will occur daily in any financial market arena. Most investment advisers depend heavily on prior experience and probabilities in formulating their recommendations. In addition to applying these benchmarks, The Wall Street Money Management Group incorporates an overall protective strategy into its account management policies.

One of these loss prevention strategies is the use of a type of U.S. Treasury Notes and Bonds known as Zero Coupons or Strips. Similar to the old traditional U.S. Government EE Bonds, these investments are guaranteed by the U.S. Government to pay at maturity. As long as these investments are held, there is no risk of loss in the investment. A second investment discipline involves the continued tracking of the overall interest rate bond market to determine the appropriate time to liquidate this investment vehicle and lock in profits.

Historically, individuals tend to hold onto, or may even invest further in, investments that are drifting downward in the false hope of recoupment, or to exit continuing profit opportunities out of fear of sudden loss. By the automatic and continuous monitoring of all investments using our unique cycle analysis and advanced forecasting techniques, THE NEST EGG INVESTMENT ACCOUNT is designed to proceed in a deliberate manner, allowing performing investments to earn a solid rate of return, without the fear of massive loss. The guiding principle of all of our disciplines is to remove the emotional component from the investment making process.

HOW THE PROGRAM WORKS: THE BASICS
The investment objective of THE NEST EGG INVESTMENT ACCOUNT is capital preservation, with a strong emphasis on capital appreciation through the use of U.S. Treasury Securities. Investments under the optimum market conditions are invested mostly in U.S. Treasury and U.S. Government Securities. However, under certain prevailing conditions, any other appropriate investments or bond funds may be used.

Your money will remain in these investments until either our indicators achieve their projections, or perceive a high risk/weak market climate, at which time your money will be moved back to a defensive position in your safe, interest bearing, home base money market account. These moves are done for you automatically, and you will receive confirmation of each exchange made on your behalf.

WHO HAS CONTROL OF YOUR MONEY?
You have full control of your money. We do not handle your cash directly. We have no physical access to your money; only a limited trading authorization which permits us to switch your money between designated investments as market conditions dictate. Your money may be withdrawn by you at any time, subject to the terms within our investment management agreement.

HOW MUCH ACTIVITY WILL THERE BE IN YOUR ACCOUNT AND WHEN WILL YOU BE NOTIFIED?
You are kept up-to-date with confirmations whenever a transaction takes place in your account. In addition, monthly or quarterly statements will reflect all activity for the preceding period including current market values, equity balances, interest and dividends received.

Activity in your account will depend upon existing market conditions. Generally, we try to keep activity to a minimum. However, in volatile markets, more transactions may occur to take advantage of the greater profit potential that may exist at that time. During high risk periods, your money will be safely out of fluctuating investments and draw interest at customary short-term rates.

WHAT ARE THE FEES & TRANSACTION COSTS?
Our management fees range from as little as .25%, based on your assets under management with us, and is billed quarterly and is automatically deducted from your account with us. (See Investment Advisory Fees in the All About Your Nest Egg Investment Account addendum.) This is the only remuneration we receive for managing your account. The purchase and sale of any investment within your account carries customary transaction costs. These transaction costs are minimized since we are using the services of an affiliated brokerage firm under common ownership with the WSMMG. In addition, there is an annual administrative fee of $100 per account, payable in advance. This fee is deducted from your Managed Account each year, and is used to cover setup, administrative and account maintenance costs. A new client may cancel within the first thirty (30) days and receive a full refund of administrative fees by notifying us in writing, by certified mail. Of course, there will be no penalty for canceling your agreement within the 30-day trial period.

Among the many advantages of the Wall Street Money Management Group Management is the convenience of one consolidated account statement listing all of your holdings.

THE BENEFIT OF LONG TERM INVESTING
The investment objective of WSMMG Management is to pursue capital preservation through high levels of income and capital growth during times of low market risk. Since we believe solid investment results can only be achieved over the life of an average three to five year market cycle, clients are advised to invest moneys that can remain under our management for at least three to five years until desired results are achieved.

ADDITIONAL POINTS TO CONSIDER
Management clients should understand the risks and rewards of investing. We make no promises or guarantees that any portfolio will appreciate in value. Markets always go up and down and portfolio values at times may decline. Our objective is to have increasing portfolio values substantially exceed declines over a reasonable period of major market moves. We are fully committed to you for nothing less.
Experience the feeling of achievement and peace of mind by becoming a Wall Street Money Management Group Managed Account today. We believe you will be on your way not only to a greater sense of accomplishment now, but also toward a goal of financial security for you and your family! For additional information, or to speak with one of our client service representatives, please call us toll-free at 1-800-962-6243.

AMONG THE MANY ADVANTAGES OF THE NEST EGG INVESTMENT ACCOUNT
1. EXCLUSIVE MANAGEMENT METHODS AND ANALYSIS
Purchases and sales of U.S. Treasury and other investments take place according to unique portfolio management methods and analysis, which can not be found anywhere else, available exclusively through the Wall Street Money Management Group, Inc.
2. PROTECTIVE INVESTMENT STRATEGIES
Investors enjoy the benefits designed into the program to provide protective disciplines and the insight granted by the low risk market entry point indicators.
3. A DISCIPLINED, UNEMOTIONAL APPROACH TO INVESTING
All investment purchase and sale decisions are the result of a disciplined, unemotional cycle analysis approach to investing which eliminates the type of personal trauma sometimes associated with managing and minimizing loss.
4. 30-DAY MONEY BACK GUARANTEE
A new client may cancel within the first thirty (30) days and receive a full refund of administrative fees by notifying us in writing, by certified mail.
5. FULL CONTROL OVER YOUR MONEY
You have full control over your money. We do not handle your cash directly. We have no physical access to your money; only a Limited Trading authorization which permits us to switch your money between designated investments as market conditions dictate.
6. TAX REPORTING ASSISTANCE
Throughout the year you will be provided with statements for tax reporting purposes which give a detailed analysis of your account.
7. PROFESSIONAL MANAGEMENT & DIVERSIFICATION
The Wall Street Money Management Group is available to all individual investors, whereas professional investment management is usually only available to institutions with large sums of money.
8. ACCOUNT PROTECTION
Your account is protected by the Securities Investor Protection Corporation (SIPC).
9. PEACE OF MIND
You will have peace of mind knowing that your investments are reviewed by investment professionals each and every business day.
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For Questions or Further Assistance

IRA & RETIREMENT SPECIALISTS
Our management programs are ideal for IRA and other retirement accounts. If you wish to bring existing mutual fund, IRA, KEOGH, corporate pension, or other brokerage accounts under our management, please contact our office at 1-800-962-6243.

The IRA Specialists at the Wall Street Money Management Group are available to help you along every step of the way: from opening your account - to transfers or rollovers from current investments; to helping you choose the investment program best suited to your individual needs.

MONEY-BACK GUARANTEE
A new client may cancel within the first thirty (30) days and receive a full refund of administrative fees by notifying us in writing, by certified mail. Of course, there will be no penalty for canceling your agreement within the 30 day trial period.

HOW TO OPEN OR TRANSFER AN ACCOUNT
To open or transfer your account, follow this simple three-step procedure:
1. Complete and print the necessary application forms.
2. Write a check or wire funds payable to Sterne, Agee & Leach, the clearing firm, for your initial investment.
3, Send your completed application and check, and any copies of account statements you are transferring, to: