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WHAT'S THIS ALL ABOUT?

Many of you have had questions about and expressed interest in Adeline's Education Fund. On behalf of myself and Adeline I would like to thank you for your thoughts, prayers, and generosity in remembrance of her mother Becca. I'm hopeful this letter answers some of the questions you might have.

A "529" Plan was established by my mom and dad, Kemper and Peggy Wilkins, on August 24th, 2005. The designation "529" refers to section 529 of the Internal Revenue Code. In essence, it allows for funds to be deposited and invested for the beneficiary (in this case Adeline) without negative tax consequences.

Under Current law, federal income tax on invested earnings are deferred and free from federal income tax if withdrawals are used to pay for higher education costs. These generally include tuition, fees, books, supplies and equipment required for the beneficiary's enrollment or attendance at an institution of higher education.

The Fund's Program Manager is Union Bank and Trust Company of Lincoln, Nebraska. . . Acclaimed as one of the top Program Managers in the country. For more information regarding details of the plan please refer to www.planforcollegenow.com.

An aged-based growth portfolio has been selected for the plan's investments. The current target asset allocation and investment mix is 80% stock or equity investment funds and 20% fixed-income mutual funds. As Adeline nears college age, the equity or stock allocation will decrease, and the money market and fixed-income allocation will increase.

Currently for the convenience of interested parties, anyone can make a contribution to the account and there are no minimums or annual fee requirements to maintain the fund. If there is a desire on anyone's part to do so, contributions can be made either at the Chip-in website (via PayPal) or mailed to:

College savings Plan FBO: Adeline P. Wilkins
Union Bank and Trust Company, Program Manager
Account #10057181
P.O. Box 82535
Lincoln, NE 68501

Again, we thank you for your kindness, thoughtfulness, prayers, good vibes, and generosity,

Sincerely,

Patrick

cornpatrick@gmail.com