EXHIBIT 10.2 Estimated Returns for Four Individual Economic Probability State Investments and Very poor Rate of Return if State Occurs of Occurrence A B C D AB AC AD 0.10 -10% 30% -25% 15% 10% -17.5% 2.5% Poor 0.20 0 20 Three Portfolios Average 0.40 10 10 Good 0.20 20 Very good 0.10 30 0 -10 5535 -5 10 10 -2.5 5.0 15 0 10 12.5 5.0 25 10 27.5 22.5 35 10 42.5 32.5 1.00 Expected rate of return Standard deviation 10.0% 11.0% 10.0% 15.0% 12.0% 10.0% 12.5% 11.0% 11.0% 21.9% 12.1% 0.0% 16.4% 10.1%