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Dear Fellow Shareholders:

We are very pleased with the results MasterCard delivered in 2009 and in the first quarter of 2010, particularly in light of the challenging economic environment. Even more importantly, we are confi dent in the opportunities that lie ahead. We are in an excellent position to write a new chapter in our company’s history as we drive innovation at the heart of commerce and deliver value to societies in markets worldwide.

Fixed or variable? Immediate or deferred? What you choose depends on your life situation.

An annuity is a contract with a life insurance company, charity or trust to issue the investor a series of payments. Annuities are an investment tool and can provide a fixed or variable rate of return. They also can start paying out immediately or at a later date.

Executive Summary

A large and diverse market
The US mortgage market, with $7.2 trillion in mortgage-related debt outstanding, has developed into one of the largest segments of the US bond market, surpassing both the US Treasury and US corporate sectors. The MBS sector offers investors diverse investment options and tools for evaluating mortgage securities.

The First U.S. Quantitative Easing: The 1930s

The term “quantitative easing” became popular jargon in 2009. After setting the target for the federal funds rate at a range of zero to 25 basis points on December 28, 2008, the Federal Open Market Committee announced its intent to purchase up to approximately $1.7 trillion of agency debt, agency-guaranteed mortgage-backed securities, and Treasury securities.

Dear Shareholders,
2009 was an important and transformative year for Baidu. We marked a milestone, our tenth anniversary, and maintained strong growth against a backdrop of global economic uncertainty. We strengthened our position as the leading provider of Chinese language search and introduced powerful new services to provide both our users and customers with a superior search experience.

DEAR SHAREHOLDERS

When I joined Yahoo! last January, the economy was in rough shape. The year that followed was unprecedented in business and-like many leaders-I'm glad it's over.

A mutual fund is an investment company that collects money from many people and invests it in a variety of securities. The company then manages the money on an ongoing basis for individuals and businesses. Mutual funds are an efficient way to invest in stocks, bonds, and other securities for three reasons: