08/23/2018 10:23:43          RATE of RETURN - IRR                         Page 1
                         12/31/2016 through 12/31/2017                         
Annual Compounding                                                              
                                        Percent    --Before Tax-   --After Tax--
                          Unrealized      of       Total  Annual   Total  Annual
  Date         Balance           Tax     Total     Return    ROR   Return    ROR
DN  Denise Nichols                                                              
12/31/16      2,565.00         28.00                                            
12/31/17    116,668.00        747.00      40.0      7.46    7.47    6.33    6.34

JT  Denise & Robert Nichols                                                     
12/31/16     23,680.00        121.00                                            
12/31/17    120,156.00        -20.00      41.2     33.85   33.88   34.30   34.33

RN  Robert Nichols                                                              
12/31/16     51,722.00        570.00                                            
12/31/17     54,637.00      1,334.00      18.7     19.29   19.31   17.90   17.91

DN JT RN - Composite Aggregate
12/31/16     77,967.00        719.00                                            
12/31/17    291,461.00      2,061.00               18.38   18.40   17.58   17.59
                                        Dispersion 10.85   10.86   11.51   11.51