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R. E. BAXTER AND ASSOCIATES, INC.

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925 Wappoo Road, Suite A

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Charleston, SC

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29407

Phone: (843) 571-4301

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Fax: (843) 571-3195

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rbaxter@tfamail.com

Securities and Investment Advisory Services offered through Transamerica Financial Advisors, Inc. (TFA) member FINRA, SIPC and a Registered Investment Advisor. Non-Securities products and services are not offered through TFA. R.E. Baxter and Associates, Inc is not affiliated with TFA.

This Web site offers links to companies that have business relationships with R.E. Baxter & Associates, Inc. Once a hyperlink is activated, you will be leaving R.E. Baxter & Associates, Inc. and operate outside R.E. Baxter & Associates, Inc. Neither R.E. Baxter & Associates, Inc. nor Transamerica Financial Advisors, Inc. (“TFA”) is responsible for the validity, completeness or accuracy of any information provided on those sites to which you may link. Furthermore, neither R.E. Baxter & Associates, Inc. nor TFA shall be liable for any direct or indirect system damage or other problems you may incur as a result of linking to any other Web site, including any consequences arising from your accessing third-party technologies, sites, information and programs made available through R.E. Baxter & Associates, Inc.

Transamerica Financial Advisors, Inc. (TFA) and its representatives do not give tax or legal advice. This material is provided for informational purposes only and should not be construed as tax or legal advice. Clients and other interested parties are urged to consult with and rely solely upon their own independent advisors regarding their particular situation and concepts presented here.

Discussions of various planning strategies and issues are based on our understanding of applicable federal income, gift and estate tax laws in effect at the time of publication. However, tax laws are subject to interpretation and change, and there is no guarantee that the relevant tax authorities will accept any interpretations set forth in this material. Additionally, this material does not consider the impact of applicable state laws upon clients and prospects.

Although care was taken in preparing this material and presenting it accurately, TFA disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it. This information is current as of the date stated on the material.