Nestlehut Financial Services, Inc.

AT&T EMPLOYEES
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NEW RATE IS 4.69%
(estimate as of 12/06/06)

Remember, the lower the interest rate the greater the lump sum. Your lump sum will be slightly higher if you retire in 2007 because the interest rate should be 4.69% instead of 4.73%. However, if you are offered a SIPP and are eligible to retire before the end of the year, take the SIPP now. Consult us before making any decisions.

Nestlehut Financial Services entered 25 years in business and we feel we are qualified to assist with your retirement needs – please call the office for your free consultation
SBC and AT&T stock merger – effective 12/01/05, use the symbol T, not SBC, to look up your stock
If you are offered a special buyout, please call our office
If you are contemplating retirement, please call our office to schedule an appointment and we can discuss any issues you have

Please call the office at (708) 361-6700 or visit our website at www.nestlehutnfs.com to schedule your free consultation.

Sincerely,

Thomas A. Nestlehut
Joseph D. Savino

SECURITIES OFFERED THROUGH SECURITIES AMERICA, INC., MEMBER FINRA www.FINRA.org, SIPC www.sipc.org – Thomas A. Nestlehut and Joseph D. Savino, Registered Representatives. Advisory services offered through Securities America Advisors, Inc. an SEC registered investment advisory firm, Thomas A. Nestlehut and Joseph D. Savino, Investment Advisor Representatives. Nestlehut Financial Services, Inc. and the Securities America companies are separate entities. “Securities America and Nestlehut Financial Services are neither endorsed by or affiliated with AT&T ”

12/06