Merrill Lynch is one of the world's leading wealth management, capital markets and advisory companies, with offices in 36 countries and territories and total client assets of approximately $1.8 trillion.  As an investment bank, it is a leading global trader and underwriter of securities and derivatives across a broad range of asset classes and serves as a strategic advisor to corporations, governments, institutions and individuals worldwide.  Through Merrill Lynch Investment Managers, the company is one of the world's largest managers of financial assets.  Firmwide, assets under management total $581 billion.  For more information on Merrill Lynch, please visit www.ml.com.

Franklin Resources, Inc., is a global investment management organization known as Franklin Templeton Investments. Our headquarters are located just south of San Francisco, in San Mateo, Calif. We have offices in 28 countries around the world.

Over the past half century, few investment management organizations have matched the success of Franklin Templeton. With over 50 years of investing experience, the company has become recognized in the financial services industry as a leader for its global stock investments and innovative fixed-income funds.

To gain perspective on how patience and diversification can contribute to your portfolio, contact your investment representative, call us at 1-800-FRANKLIN or visit franklintempleton.com.

At WCI, we're Committed To Excellence, Service, and Community Responsibility. For more than 50 years, WCI has set the standard for building outstanding communities in Florida, while creating world-class amenities that both challenge and exhilarate, and upholding our unwavering commitment to the places we call "home."

Since 1947, over 150,000 people have put their trust in WCI to build their homes and communities. To accomplish this, we demand the highest quality construction and customer service, and we consistently strive to support the needs of the community through involvement in education, environmental stewardship, recreation, and civic pride.

Support of the community is an important part of WCI's guiding philosophy. We've contributed to the building of parks for community recreation, partnered with local schools to enhance the educational experiences of our children and supported various community initiatives that promote the continued health, welfare and safety of our surrounding communities.

Today, WCI is Florida's premier builder of award-winning master-planned communities. Our homes range from the low $100s to over $10 million, and we offer world-class amenities including championship golf, tennis, boating, fine dining, spas and fitness centers. The WCI brand is further enhanced by our strategic partnerships with some of the most recognized names in the world including multinational hotel chains, Audubon International, Greg Norman Golf Course Design and several well-known golf and tennis professionals.

From single-family estates to maintenance-free villas to luxury tower homes, WCI is building communities that embrace the native environment and create an unparalleled living experience. And when it comes to luxurious amenities like award-winning golf courses, boating, tennis, fitness and fine dining, no one delivers the lasting lifestyle you deserve better than WCI.

The Ritz-Carlton Golf Resort, Naples, our second luxury resort in Naples is located on the Greg Norman-designed Tiburon golf course, bringing a new level of luxury to the game. Recreational options include a cigar bar, billiards room, heated outdoor pool, fitness center, tennis, Rick Smith Golf Academy and The Ritz Kids program. Guests may also use amenties at The Ritz-Carlton, Naples.

With thousands of hotels to choose from, discerning readers of Travel + Leisure magazine selected The Ritz-Carlton Golf Resort, Naples as the No. 37 hotel in the continental U.S. and Canada.