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Table of Contents
Booklet...........................................................................................2
ROPs, Flyers and FSIs..................................................................3
HP ROPs.......................................................................................4
Grounds Plans...............................................................................5
Circulars ........................................................................................6
E-mail ............................................................................................7
Posters ..........................................................................................8
Certificates.....................................................................................9
Logos...........................................................................................10
Booklet created in InDesign using multiple Master
Pages and styles in a user-created template.
Handheld Device Trends in the US Retail Brokerage Advisory Industry
9
© 2006 The Tower Group, Inc.
May not be reproduced by any means without express permission. All rights reserved.
environment are constrained by the device configurations, immature applications operating environments,
and ever-changing proprietary demands that mobile operators place on device manufacturers.
A broker-dealer’s mobile offering will meet only limited success if the institution does not improve the
infrastructure that supports the line of business that the mobile offering is to support. Without process
improvement and control, the mobile offering will fall short of the institution’s intended goals. Firms
will need to closely evaluate their stated objectives for the mobile offering in light of the maturity of the
process being extended. If necessary, they should invest in addressing the process’s shortcomings before
extending the process into the field via a mobile device.
Summary
Much like the personal computer in the 1980s, mobile devices are finding their way into corporate
enterprises virally through organic growth because of the convenience and functionality they offer. Like
PCs, mobile devices are a premier example of consumer adoption of technology being a prelude to
institutional adoption. Adoption of mobile and wireless technologies in the retail brokerage advisory
industry is no different. In fact, casual adoption of mobile devices already in play in advisors’ enterprises
should raise security and privacy concerns as well as cost-of-ownership issues that today may be invisible
but that reflect negatively on costs of operation.
Enhanced data applications and collaboration through mobile devices clearly present an emerging
opportunity for the retail brokerage industry to improve advisors’ productivity and enhance the advisor/
client relationship and the delivery of services. TowerGroup believes that many advisors are actively
repurposing personal devices for business use and thus potentially exposing their firms to unnecessary
risk. To counter this risk, broker-dealers should begin to standardize the mobile platform and policy for
the enterprise and encourage the enterprise to adopt standard devices and solutions.
Firms demonstrating leadership will be those with root characteristics that extend existing investments
in their infrastructure and application portfolio, not those who build new boutique infrastructure or
application sets for mobility. TowerGroup expects brokerage firms’ spending on devices and services to
increase nearly 22% through 2011.
Research in Motion Limited commissioned TowerGroup to conduct independent research and analysis to assess the use of handheld mobility in the
retail brokerage industry. The content of this report is the product of TowerGroup and is based on independent, unbiased research not tied to any
vendor product or solution. Although every effort has been made to verify the accuracy of this information, neither TowerGroup nor the sponsor of this
report can accept any responsibility or liability for reliance by any person on this research or any of the information, opinions, or conclusions set out in
the report.
Booklet
TowerGroup Analysis
6
© 2006 The Tower Group, Inc.May not be reproduced by any means without express permission. All rights reserved.
Exhibit 2
IntheinterviewsthatTowerGroupconductedforthisresearch,mostadvisorsindicatedthatthefunctionality
they desired mimicked many of the tasks advisors ask of their sales assistants on a regular basis. Examples
included distributing funds via check and Fed Funds wire. Interestingly, when polled, advisors indicated
that they were unlikely to execute the purchase and sale of securities over a mobile device but, in the event
of an emergency, they would desire at least limited functionality in this area. However, advisors do want to
be able to initiate workflows remotely that can then be completed or affirmed in queue upon their return
to the office or by the sales assistant.
Barriers to AdoptionDeployment of mobile devices in an enterprise presents a number of new key issues that the IT
department is compelled to address. These issues are paramount to firms considering an enterprise-wide
deployment of mobile devices, and failure to adequately address them may prevent the firm from offering
or deploying a successful enterprise-wide mobile solution. Compliance and security are two key concerns
for all segments, while device selection, standards, and infrastructure improvement are cause for concern
to varying degree. In some respects, the financial services industry has underestimated the utility and the
risk that mobile devices represent within the advisor channel.
Hundreds of laptops leave the safety of the office environment every day under the arms of advisors and
become exposed to unnecessary risk. Because of the laptops’ storage capacity and application capabilities,
their theft or loss could render an organization seriously vulnerable if not infamous. TowerGroup expects
some institutions to mitigate that risk by issuing advisors enhanced handheld devices that can meet their
functional needs without the added liability caused by the inherent large storage capacity of laptops.
Best-in-class mobile devices can store presentations and applications and have full Internet accessibility,
keypads, and color screens. Emerging tool sets allow a firm’s IT department to control and secure the
associated data. The ability to limit the resident data to that required for a specific customer or advisor
mitigates the risk of a compromised device.
Handheld Device Trends in the US Retail Brokerage Advisory Industry
7
© 2006 The Tower Group, Inc.
May not be reproduced by any means without express permission. All rights reserved.
Mobility should cause institutions to rethink their data security perimeter. Most firms have established
a security perimeter based on devices. The devices may be those residing on the desktop in the office,
or they may be the Internet firewall, the virtual private network (VPN) box used for remote access, or
the security software preloaded on a remote user’s laptop. But information continues becoming fluid,
more mobile.
Theformaladoptionof mobilesolutionsforcesinformationmobilityandthereforeitssecuritycomplexities
front and center. Increasingly, mobile devices, including laptops, smart phones, and other appliances have
multiple network access mechanisms, including Bluetooth, wireless fidelity (Wi-Fi), and Universal Serial
Bus (USB) connections. Firms need to rethink who has what data, why they have it, and on what devices.
For example, employees who synchronize their mobile devices with an e-mail account whose records
include account numbers risk exposing their firm’s customer data and other sensitive information if their
devices are lost or stolen. An unsecured network connection like Bluetooth or Wi-Fi may even create an
unmonitored access to the firm’s network.
As the universe of resident wireless network access options available to the handheld devices rise,
organizations should take prudent steps to secure data during transport via end-to-end authentication and
encryption schemes.
As the demand for more data and complex presentations of information grows, so does the need for
storage capacity. Companies can now employ “removal storage” cards, such as Secure Digital (SD) devices,
in order to compensate for the lack of resident storage in personal digital assistants (PDAs) and smart
phones. These tiny storage devices are easily lost or stolen. They are often overlooked as a prime security
hole in a solution.
Retail brokerage firms will need to consider the increased security risks and variables introduced by
removable storage devices and take remedial steps. Security options for removal storage cards should
include, but are not limited, to the following:
• User-protected storage card access
• Total encryption of the data
• “Locking” the storage card to the handheld device
• Network based “leasing” of the availability data based on user attributes (location, workday times, etc.)
Most firms have not begun to address mobile managed security in general and devices like smart phones
in particular. Reasons range from the ineptness of the security solutions available to the difficulty of
managing security because of the large variety of mobile devices deployed. However, TowerGroup believes
that the wide use of mobile devices in retail brokerage calls for rethinking the security risk, a problem that
will only worsen over time due to the continued increase in information fluidity.
Unfortunately for the brokerage firms and advisors, the specter of regulation still looms over the securities
industry. A firm’s deployment of a mobile solution requires the same controls as the controls governing
the advisors sitting in their offices. In fact, the burden and complexity of regulatory compliance will likely
be greater in the mobile environment, given that the device is outside the walls of the firm and possesses
significant communicative and collaborative capabilities that might easily go ungoverned. Integrating
mobile devices and the data passing through them into existing compliance applications may be more
difficult than is justified, particularly if the desired device solution operates in an open-port environment
© 2006 The Tower Group, Inc.
May not be reproduced by any means without express permission. All rights reserved.
TowerGroup Research is available to subscribers on the Internet at www.towergroup.com
or by calling +1.781.292.5200
Matthew Bienfang
Research Director, Brokerage & Wealth Management
Bob Egan
Research Director, Emerging Technologies
September 2006
Handheld Device Trends
in the US Retail Brokerage
Advisory Industry
Executive Summary
TowerGroup has been engaged in a series of research projects examining the ways that wireless technology
and mobility are influencing business decisions in the financial services industry. This report examines usage
of wireless handheld devices in the US retail brokerage industry, with a focus on financial advisors.
Retail brokerage firms spent $47 million (USD) in 2005 to provide mobile devices to the financial advisors
associated with the firms. TowerGroup projects that spending for this purpose will rise to $175 million in
2011, at a compound annual growth rate (CAGR) of 22%. Enterprise-wide adoption of mobile devices
will vary depending on channel. The undertaking for the captive full-service channel will be the most
ambitious of deployments because of firms’ willingness to invest more heavily in advisors as well as
control over the distribution channel.
Advisors are more apt to use wireless devices to complete service requests they usually refer to their
administrative sales assistants, such as funds transfers and withdrawals and duplicate statement requests.
Advisors are not likely to initiate securities transactions through mobile devices regularly, although they do
require mobile functionality for urgent situations. Advisors want to be able to initiate workflows remotely
that can be completed or affirmed in queue upon their return to the office or by a sales assistant.
To summarize the key findings from our research:
• Increases in workforce mobility suggest that the retail brokerage advisory channel is ready and willing to
adopt more sophisticated mobile devices and applications.
• Mobility applications and tools will become critical elements for workforce delivery and execution as the
advisor role evolves from being centered on transactions to being more consultative and collaborative.
• Mobility presents new complexities for those responsible for information technology at brokerage
firms, especially regarding usability, cost, and risk management in the areas of security and regulatory
compliance.
• Brokerage firms are likely to attain the maximum return on investment at the lowest cost of ownership by
extending existing applications and IT resources into the mobile channel, not by inventing
new applications.
• A mobile device may be more secure than a laptop computer because it can meet advisors’ technical and
functional needs for mobility without the risk associated with a laptop’s greater storage capabilities and
application functions.
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Layout of a condo complex. This is done in layers
to turn on and off areas as needed, such as parking
spaces, mail boxes, lighting plans and dumpsters.
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49
65
64
63
62
V
V
V
V
V
V
V
V
V
V
V
V
HP
HP
82
V
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77
76
75
74
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72
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70
HP
69
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V
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97
96
95
94
D
C
B A
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B A
HP
V
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61
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HP
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47
48
V
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93
92
91
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HP
78
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V
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11
6 4
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1
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Handheld device trends in US retail brokerage industry

  • 1. Sandra DiFranco Graphic Design Portfolio Table of Contents Booklet...........................................................................................2 ROPs, Flyers and FSIs..................................................................3 HP ROPs.......................................................................................4 Grounds Plans...............................................................................5 Circulars ........................................................................................6 E-mail ............................................................................................7 Posters ..........................................................................................8 Certificates.....................................................................................9 Logos...........................................................................................10
  • 2. Booklet created in InDesign using multiple Master Pages and styles in a user-created template. Handheld Device Trends in the US Retail Brokerage Advisory Industry 9 © 2006 The Tower Group, Inc. May not be reproduced by any means without express permission. All rights reserved. environment are constrained by the device configurations, immature applications operating environments, and ever-changing proprietary demands that mobile operators place on device manufacturers. A broker-dealer’s mobile offering will meet only limited success if the institution does not improve the infrastructure that supports the line of business that the mobile offering is to support. Without process improvement and control, the mobile offering will fall short of the institution’s intended goals. Firms will need to closely evaluate their stated objectives for the mobile offering in light of the maturity of the process being extended. If necessary, they should invest in addressing the process’s shortcomings before extending the process into the field via a mobile device. Summary Much like the personal computer in the 1980s, mobile devices are finding their way into corporate enterprises virally through organic growth because of the convenience and functionality they offer. Like PCs, mobile devices are a premier example of consumer adoption of technology being a prelude to institutional adoption. Adoption of mobile and wireless technologies in the retail brokerage advisory industry is no different. In fact, casual adoption of mobile devices already in play in advisors’ enterprises should raise security and privacy concerns as well as cost-of-ownership issues that today may be invisible but that reflect negatively on costs of operation. Enhanced data applications and collaboration through mobile devices clearly present an emerging opportunity for the retail brokerage industry to improve advisors’ productivity and enhance the advisor/ client relationship and the delivery of services. TowerGroup believes that many advisors are actively repurposing personal devices for business use and thus potentially exposing their firms to unnecessary risk. To counter this risk, broker-dealers should begin to standardize the mobile platform and policy for the enterprise and encourage the enterprise to adopt standard devices and solutions. Firms demonstrating leadership will be those with root characteristics that extend existing investments in their infrastructure and application portfolio, not those who build new boutique infrastructure or application sets for mobility. TowerGroup expects brokerage firms’ spending on devices and services to increase nearly 22% through 2011. Research in Motion Limited commissioned TowerGroup to conduct independent research and analysis to assess the use of handheld mobility in the retail brokerage industry. The content of this report is the product of TowerGroup and is based on independent, unbiased research not tied to any vendor product or solution. Although every effort has been made to verify the accuracy of this information, neither TowerGroup nor the sponsor of this report can accept any responsibility or liability for reliance by any person on this research or any of the information, opinions, or conclusions set out in the report. Booklet TowerGroup Analysis 6 © 2006 The Tower Group, Inc.May not be reproduced by any means without express permission. All rights reserved. Exhibit 2 IntheinterviewsthatTowerGroupconductedforthisresearch,mostadvisorsindicatedthatthefunctionality they desired mimicked many of the tasks advisors ask of their sales assistants on a regular basis. Examples included distributing funds via check and Fed Funds wire. Interestingly, when polled, advisors indicated that they were unlikely to execute the purchase and sale of securities over a mobile device but, in the event of an emergency, they would desire at least limited functionality in this area. However, advisors do want to be able to initiate workflows remotely that can then be completed or affirmed in queue upon their return to the office or by the sales assistant. Barriers to AdoptionDeployment of mobile devices in an enterprise presents a number of new key issues that the IT department is compelled to address. These issues are paramount to firms considering an enterprise-wide deployment of mobile devices, and failure to adequately address them may prevent the firm from offering or deploying a successful enterprise-wide mobile solution. Compliance and security are two key concerns for all segments, while device selection, standards, and infrastructure improvement are cause for concern to varying degree. In some respects, the financial services industry has underestimated the utility and the risk that mobile devices represent within the advisor channel. Hundreds of laptops leave the safety of the office environment every day under the arms of advisors and become exposed to unnecessary risk. Because of the laptops’ storage capacity and application capabilities, their theft or loss could render an organization seriously vulnerable if not infamous. TowerGroup expects some institutions to mitigate that risk by issuing advisors enhanced handheld devices that can meet their functional needs without the added liability caused by the inherent large storage capacity of laptops. Best-in-class mobile devices can store presentations and applications and have full Internet accessibility, keypads, and color screens. Emerging tool sets allow a firm’s IT department to control and secure the associated data. The ability to limit the resident data to that required for a specific customer or advisor mitigates the risk of a compromised device. Handheld Device Trends in the US Retail Brokerage Advisory Industry 7 © 2006 The Tower Group, Inc. May not be reproduced by any means without express permission. All rights reserved. Mobility should cause institutions to rethink their data security perimeter. Most firms have established a security perimeter based on devices. The devices may be those residing on the desktop in the office, or they may be the Internet firewall, the virtual private network (VPN) box used for remote access, or the security software preloaded on a remote user’s laptop. But information continues becoming fluid, more mobile. Theformaladoptionof mobilesolutionsforcesinformationmobilityandthereforeitssecuritycomplexities front and center. Increasingly, mobile devices, including laptops, smart phones, and other appliances have multiple network access mechanisms, including Bluetooth, wireless fidelity (Wi-Fi), and Universal Serial Bus (USB) connections. Firms need to rethink who has what data, why they have it, and on what devices. For example, employees who synchronize their mobile devices with an e-mail account whose records include account numbers risk exposing their firm’s customer data and other sensitive information if their devices are lost or stolen. An unsecured network connection like Bluetooth or Wi-Fi may even create an unmonitored access to the firm’s network. As the universe of resident wireless network access options available to the handheld devices rise, organizations should take prudent steps to secure data during transport via end-to-end authentication and encryption schemes. As the demand for more data and complex presentations of information grows, so does the need for storage capacity. Companies can now employ “removal storage” cards, such as Secure Digital (SD) devices, in order to compensate for the lack of resident storage in personal digital assistants (PDAs) and smart phones. These tiny storage devices are easily lost or stolen. They are often overlooked as a prime security hole in a solution. Retail brokerage firms will need to consider the increased security risks and variables introduced by removable storage devices and take remedial steps. Security options for removal storage cards should include, but are not limited, to the following: • User-protected storage card access • Total encryption of the data • “Locking” the storage card to the handheld device • Network based “leasing” of the availability data based on user attributes (location, workday times, etc.) Most firms have not begun to address mobile managed security in general and devices like smart phones in particular. Reasons range from the ineptness of the security solutions available to the difficulty of managing security because of the large variety of mobile devices deployed. However, TowerGroup believes that the wide use of mobile devices in retail brokerage calls for rethinking the security risk, a problem that will only worsen over time due to the continued increase in information fluidity. Unfortunately for the brokerage firms and advisors, the specter of regulation still looms over the securities industry. A firm’s deployment of a mobile solution requires the same controls as the controls governing the advisors sitting in their offices. In fact, the burden and complexity of regulatory compliance will likely be greater in the mobile environment, given that the device is outside the walls of the firm and possesses significant communicative and collaborative capabilities that might easily go ungoverned. Integrating mobile devices and the data passing through them into existing compliance applications may be more difficult than is justified, particularly if the desired device solution operates in an open-port environment © 2006 The Tower Group, Inc. May not be reproduced by any means without express permission. All rights reserved. TowerGroup Research is available to subscribers on the Internet at www.towergroup.com or by calling +1.781.292.5200 Matthew Bienfang Research Director, Brokerage & Wealth Management Bob Egan Research Director, Emerging Technologies September 2006 Handheld Device Trends in the US Retail Brokerage Advisory Industry Executive Summary TowerGroup has been engaged in a series of research projects examining the ways that wireless technology and mobility are influencing business decisions in the financial services industry. This report examines usage of wireless handheld devices in the US retail brokerage industry, with a focus on financial advisors. Retail brokerage firms spent $47 million (USD) in 2005 to provide mobile devices to the financial advisors associated with the firms. TowerGroup projects that spending for this purpose will rise to $175 million in 2011, at a compound annual growth rate (CAGR) of 22%. Enterprise-wide adoption of mobile devices will vary depending on channel. The undertaking for the captive full-service channel will be the most ambitious of deployments because of firms’ willingness to invest more heavily in advisors as well as control over the distribution channel. Advisors are more apt to use wireless devices to complete service requests they usually refer to their administrative sales assistants, such as funds transfers and withdrawals and duplicate statement requests. Advisors are not likely to initiate securities transactions through mobile devices regularly, although they do require mobile functionality for urgent situations. Advisors want to be able to initiate workflows remotely that can be completed or affirmed in queue upon their return to the office or by a sales assistant. To summarize the key findings from our research: • Increases in workforce mobility suggest that the retail brokerage advisory channel is ready and willing to adopt more sophisticated mobile devices and applications. • Mobility applications and tools will become critical elements for workforce delivery and execution as the advisor role evolves from being centered on transactions to being more consultative and collaborative. • Mobility presents new complexities for those responsible for information technology at brokerage firms, especially regarding usability, cost, and risk management in the areas of security and regulatory compliance. • Brokerage firms are likely to attain the maximum return on investment at the lowest cost of ownership by extending existing applications and IT resources into the mobile channel, not by inventing new applications. • A mobile device may be more secure than a laptop computer because it can meet advisors’ technical and functional needs for mobility without the risk associated with a laptop’s greater storage capabilities and application functions.
  • 3. More great savings on other side. Hot dealsHHHHHHHHHHHHHHHHHHHHHHHooooooooooooooooooooooooooooooooooootttttttttttttttttttttttttttttttttt dddddddddddddddddddddddddddddddddeeeeeeeeeeeeeeeeeeeeeeeeeeeeeaaaaaaaaaaaaaaaaaaaaaaaalllllllllllllllllllssssssssssssssssssssssssssHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHooooooooooooooooHot deals Offers valid thru July 1, 2006 Choose your adapter $ 7998 SmartDisk FireLite portableUSB 40GB hard drive• Reg. price $109.98567913 SmartDisk FireLite portableUSB 80GB hard drive. 572110.$109.98. Reg. price $159.98. Save $ 30 $ 9998 Maxtor 300GB 7200 RPMinternal hard drive • Reg. price $149.98583700 Save $ 50 $ 4998 Linksys Wireless-G broadband router• Internet sharing router, 4-port switchand Wireless-G access point in one• Reg. price $69.98509558 Save $ 20 $ 4998 Linksys Wireless-G notebook card• Connects your notebookto a wireless network• Reg. price $59.98509555 Save $ 10 $ 14998 Maxtor OneTouch™ III 200GBexternal hard drive • Maxtor OneTouch™ button — the easy wayto make backup copies of your files• Reg. price $199.98638789 Save $ 50 Celeron, Celeron Inside, Centrino, Centrino Logo, Core Inside, Intel, Intel Logo, Intel Core, Intel Inside, Intel Inside Logo, Intel SpeedStep, Intel Viiv, Pentium and Pentium Inside are trademarks or registered trademarks of Intel Corporation or its subsidiaries in the United States and other countries. $ 49998 This Cisnet PC and monitorpackage includes:Intel® Celeron® D Processor 345• 512MB DDR RAM • 80GB hard drive • 16x max DVD±RW/CD-RWcombo drive • Windows® XP Home Edition• Reg. price $599.98C133-S33/630648 Save $ 100 PNY 512MB CompactFlash® memory card. 569272. $39.98 - $10 instant savings - $15 easy rebate = $14.98. $ 1498 after easy rebate PNY 512MB SD™ memory card• $39.98 - $10 instant savings- $15 easy rebate = $14.98569273 Save $ 25 Limit 1 of each PNY rebate per household. $ 1498 Memorex® DVD media• Reg. price $39.98512274-DVD+R, 512271-DVD-R Save $ 25 50/pack $ 898 Memorex® clear slim jewel cases• Reg. price $17.98489574 Save $ 9 50/pack 5.1" PNY 512MB Attaché USB flash drive • Easily transfer files fromone computer to another• Excellent for data, music files,pictures and business presentations• $39.98 - $10 instant savings- $15 easy rebate = $14.98573955 PNY 512MB Atta h $ 1498 Save $ 25 after easy rebate Limit 1 of each PNY rebate per household. $ 4998 Save $ 10 Linksys Compact Wireless-G USB adapter• The easy way to connect your desktop ornotebook to a high-speed wireless network• Reg. price $59.98635514 hé es from another a, music files, ness presentations tant savings e = $14.98 hé 8 ebate per household. Save $ 100 15" LCD monitor REQUESTED BOX SHOT REQUESTED BOX SHOT REQUESTED BOX SHOT These ROPs we placed in local newspapers introducing Staples in a new market area to drive sales. Ads included local landmarks and/or maps to a store while maintaining brand identity. ROPs, Flyers and FSIs Now through Saturday, January 28. Hot deals! Hot deals! Free HP CDs instantly when you buy ANY HP twin or combo pack ink. Free HP 20/pack CDs instantly with purchase of ANY HP twin/combo pack ink. 620541. $7.98 value. Offer not valid on clearance items. Plus tax where applicable. on ANY in-store purchase of $75 with this coupon SAVESAVE $$1515 instantlyinstantly $19999 Save 50% after easy rebate Save up to $100 on these SAVESAVE $$3030 instantlyinstantly on ANY in-store purchase of $150 with this coupon Bonus coupon code 28797 Offer expires 1/28/06. Limit one per customer, nontransferable. May not be combined with any other coupon or discount. No copies/ facsimiles. No cash/credit back. Not valid on purchase of services, gift cards, postage stamps, prior purchases, or any purchases from Awards.com ™. Tax not included in calculating minimum purchase. Bonus coupon code 54882 Offer expires 1/28/06. Limit one per customer, nontransferable. May not be combined with any other coupon or discount. No copies/ facsimiles. No cash/credit back. Not valid on purchase of services, gift cards, postage stamps, prior purchases, or any purchases from Awards.com ™. Tax not included in calculating minimum purchase. Brother machines Staples has the right to limit quantities. Not all items are available online at staples.com ® or by phone. Our delivery prices may vary from store prices. STAPLES, STAPLES THE OFFICE SUPERSTORE, the Staples logos, and “that was easy” are registered trademarks, and “Easy Rebates” and “Easy Button” are service marks of Staples the Office Superstore, LLC. Customers submit Easy Rebates sm online. To learn more, go to www.staples.com/easyrebates. Not responsible for typographical errors. Network ready Brother ® MFC-420CN color flatbed all-in-one • 4-in-1: print, copy, scan, fax • Prints up to 20 ppm black, 15 ppm color at up to 6000 dpi • $129.98 - $30 easy rebate = $99.98 575210 Brother ® MFC-7420 laser flatbed all-in-one • 4-in-1: print, copy, scan, fax • Prints and copies up to 20 ppm black • 35-sheet auto document feeder • $299.98 - $20 instant savings - $50 easy rebate = $229.98 595356 after easy rebate Save $70 $22998 Brother ® P-Touch ® PT-1950 labeler • Easy-to-read 2-line text display • Prints up to 5 lines of text • $69.99 - $20 instant savings - $10 easy rebate = $39.99 564187 after easy rebate Save $30 $3999 after easy rebate Save $100 $69998 Brother ® MFC-9420CN color laser flatbed all-in-one • 4-in-1: print, copy, scan, fax • Prints and copies up to 31 ppm black, 8 ppm color • 35-sheet auto document feeder • $799.98 - $100 easy rebate = $699.98 610715 after easy rebate Save $50 $2998 Sharp ® UX-B20 inkjet fax • Faxes at approximately 15 seconds per page • 100-sheet paper tray • $79.98 - $40 instant savings - $10 easy rebate = $29.98 566085 Network ready Sharp ® AL-1631 laser copier • Copies up to 16 cpm black • $399.99 - $200 easy rebate = $199.99 519486 Sharp ® AL-1655 laser copier 595218. Automatic duplexing. $599.98 - $200 easy rebate = $399.98. $9998 Save $30 after easy rebate HP OJ 7410 color flatbed all-in-one • 4-in-1: print, copy, scan, fax • Prints and copies up to 30 ppm black, 20 ppm color • Network and wireless ready • $499.98 - $100 easy rebate = $399.98 582746 $39998 Save $100 after easy rebate Lexmark ™ X7170 color flatbed all-in-one • 4-in-1: print, copy, scan, fax • Prints and copies up to 22 ppm black, 14 ppm color • 50-sheet auto document feeder • Reg. price $149.98 582342 Save $50 $9998 Brother ® HL-5140 laser printer • Prints up to 21 ppm black • 16MB built-in memory, upgradable to 144MB • Prints up to 20,000 pages per month • $199.98 - $30 instant savings - $20 easy rebate = $149.98 561510 after easy rebate Save $50 $14998 1_24 ROP 11_24 ROP 1 1/23/06 4:21:27 PM 1/23/06 4:21:27 PM
  • 4. Staples has the right to limit quantities. Not all items are available online at staples.com® or by phone. Our delivery prices may vary from store prices. STAPLES, STAPLES THE OFFICE SUPERSTORE, the Staples logos, Easy Rebates and “that was easy” are registered trademarks, and “Easy Button” is a service mark of Staples the Office Superstore, LLC. Not responsible for typographical errors. Protect your HPinvestment P HP celebrates Staples’ 20th with a great gift for you —extended warranty protection for your HP investment. FREE warranty offer valid on HP machines purchased at Staples through Saturday, 6/3/06. Limited time only! 1-year extended warranty(up to $ 5499 value)on ANY HP machine $ 199 and above.Protection package includes:• 24/7 tech support • Online help with real-time Web chat• 100% parts and labor coverage from date of purchase • And much more Offer not valid on HP OJ 6310. Don’tforgetyour ink e 0. Don’t forget your toner FREEEEEEEEEEEFFFFFFFFFFFFFRRRRRFFFFFFFRFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRREFFFFFFFFFFFFFFFFFFFRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRREEEEEEEEEEEEEEEEEEEEEEEEEEEEEEERRRRRRRRRRRRRRRREEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEFREE $ 19998 HP PS 2575 color flatbed all-in-one• 3-in-1: print, copy, scan• Prints and copies up to 30 ppm black, 24 ppm color • 2.5" color-image LCD screen for previewing photos • Network ready 618627 $ 39998 HP LaserJet 1320 laser printer• Prints up to 22 ppm black• Automatic 2-sided printing• 16MB built-in memory, upgradable to 128MB580701 $ 19998 HP K550 color inkjet printer• Prints up to 37 ppm black, 33 ppm color• 250-sheet paper tray618874 $ 99998 HP 2430TN laser printer• Prints up to 35 ppm black• Network ready • Prints up to 100,000 pages per month580706 This product may not be available in all stores,but can be ordered for delivery. HP LaserJet 2600n color laser printer• Prints up to 8 ppm black and color• Network ready 603615 t r HP LaserJet 2840 color flatbed all-in-one• 4-in-1: print, copy, scan, fax• Prints and copies up to 20 ppm black, 4 ppm color • Network ready • 50-sheet auto document feeder597578 $ 89998 was $999.98 This product is not available in store, but can beordered for delivery. Save $ 100 HP OJ 6210 color flatbed all-in-one• 4-in-1: print, copy, scan, fax• Prints and copies up to 23 ppm black,18 ppm color 583080 $ 69998 HP LaserJet 3600N color laser printer• Prints up to 17 ppm black and color• Network ready • Prints up to 50,000 pages per month619770 This product may not be available in all stores,but can be ordered for delivery. $ 27998 HP PS 3210 color flatbed all-in-one• 3-in-1: print, copy, scan• Prints and copies up to 32 ppm black, 31 ppm color • 2.5" color-image LCD screen for previewing photos • Network ready 615374 $ 24998 HP Deskjet 460C portablewireless inkjet printer• Prints up to 17 ppm black, 16 ppm color• Card slots for direct photo printing• Prints 4" x 6" photos in approximately45 seconds 620379 $ 29998 HP LaserJet 3050 laser sheet-fed all-in-one• 4-in-1: print, copy, scan, fax• Prints and copies up to 19 ppm black• 30-sheet auto document feeder636057 $ 19998 $ 39998 atbed all in onll-in one Plus FREE warranty$ 2999 value bed all inall i one Plus FREE warranty$ 3999 value Plus FREE warranty$ 4499 value printnttterer Plus FREE warranty$ 2999 value able Plus FREE warranty$ 3999 value olor laser print Plus FREE warranty$ 5499 value ter Plus FREE warranty$ 5499 value Plus FREE warranty$ 5499 value Plus FREE warranty$ 2999 value Plus FREE warranty$ 4499 value er sheheet-fed all inet-fed all in-one Plus FREE warranty$ 3999 value HP ROPs HP-specific ROPs. 99999 But sometimes black & white is all you need. Staples has the right to limit quantities. Not all items are available online at staples.com® or by phone. Our delivery prices may vary from store prices. STAPLES, STAPLES THE OFFICE SUPERSTORE, the Staples logos, and “that was easy” are registered trademarks, and “Easy Rebates” and “Easy Button” are service marks of Staples the Office Superstore, LLC. Not responsible for typographical errors. Sources: HP, CAP Ventures, White, Jan V. “Color for Impact”, CAPV “Organizations are Ready to Tackle Document Output Costs in the Office”, December 2004 The Persuasive Properties of Color, Robert E. Green, Marketing Communications; USA Today, Wharton Business School, Case & Company, Management Consultants; Bureau of Advertising, Color in Newspaper Advertising; Whats Working in Direct Marketing Color adds impact. • Increases readership by 80% • Increases comprehension and recall by 60% • Information is communicated up to 70% faster and 77% more effectively with color The future looks bright. Upgrade your business with HP color machines. World’s fastest color business printer* Offers valid through 4/15/06. HP LaserJet ® 1320 laser printer • Prints up to 22 ppm black • Automatic 2-sided printing • Reg. price $399.98 580701 $ 29998 Save $ 100 *Compared to color laser and inkjet printers under $500. Based on fastest rated speeds published by manufacturers as of May 2005. Test methods vary. HP OJ K550 color inkjet printer • Prints up to 37 ppm black, 33 ppm color • 250-sheet paper tray • $199.98 - $40 easy rebate = $159.98 618874 HP LaserJet ® 2420D laser printer • Prints up to 30 ppm black • Network ready • Prints up to 75,000 pages per month 580703 $ 64998 Plus Free Staples ® 15-sheet crosscut shredder. 615699. $129.94 value. HP 2430TN laser printer • Prints up to 35 ppm black • Manual 2-sided printing • Prints up to 100,000 pages per month 580706 $ 99998 This product may not be available in all stores, but can be ordered for delivery. * H • • • 6 $ 15998 Save $ 40 Plus Free Staples ® 15-sheet crosscut shredder. 615699. $129.94 value. HP LaserJet ® 2600n color laser printer • Prints up to 8 ppm black and color • Prints up to 35,000 pages per month • Reg. price $399.98 603615 $ 29998 Save $ 100 HP LaserJet ® 3600N color laser printer • Prints up to 17 ppm black and color • Manual 2-sided printing • Prints up to 50,000 pages per month • Reg. price $699.98 619770 $ 59998 Save $ 100 after easy rebate HP Deskjet 9800 wide-format color inkjet printer • Prints up to 30 ppm black, 20 ppm color • Prints up to 5,000 pages per month • Wide-format printing up to 13" x 19" • 150-sheet paper tray • $299.98 - $45 easy rebate = $254.98 596935 $ 25498 Save $ 45 Network ready Network ready Network ready PLUS Free shredder $ 129.94 value PLUS Free shredder $ 129.94 value after easy rebate HP LaserJet ® 2840 color flatbed all-in-one • 4-in-1: print, copy, scan, fax • Prints and copies up to 20 ppm black, 4 ppm color • 50-sheet auto document feeder • Now $899.98 - $100 instant savings = $799.98 597578 $ 79998 Save $ 200 was $999.98 This product may not be available in all stores, but can be ordered for delivery. Affordable color printing See below for sources. Don’t forget your ink Don’t forget your toner
  • 5. Layout of a condo complex. This is done in layers to turn on and off areas as needed, such as parking spaces, mail boxes, lighting plans and dumpsters. Grounds plans 1 2 3 4 5 6 7 8 V V V V HP 9 10 11 12 V V V 9 D C B A D C B A D C B A 5 D C B A D C B A 12 C D A B D C B A DC B A 3 DC B A 7 DC B A U.S. MAIL Buildings 1-2 Buildings 7-12 SHED V V V V V V V V V V 16 15 14 13 HP HP 18 17 19 20 21 22 23 24 25 26 Reserved 44 45 HP V V V V 43 42 HP 41 40 V V V V V V 38 37 36 35 34 33 32 31 30 29 28 27 HP 50 51 52 53 54 55 56 57 V V V V V V V V V V V V V V V 46 49 65 64 63 62 V V V V V V V V V V V V HP HP 82 V V V V V V 77 76 75 74 73 72 71 70 HP 69 68 67 66 V V V V V 97 96 95 94 D C B A D C B A HP V V V V V V V V V V V V V V V V V V V V V V V 61 60 HP 59 58 47 48 V V V V V V V V V V V V V V V V V V V V V 93 92 91 90 HP 78 79 80 81 V V V V V 89 88 87 85 84 83 HP V V V 86 V 11 6 4 2 1 10 8
  • 6. Retail circulars inserted in weekly newspapers and also available in each store. These were zoned by price in layers and master pages. Circulars Page 1 zones: 1, 2, 3, 5 Outrageous savings.Fill their lockers and backpacks without emptying your wallet. EXTREMEDEALS 7daysofsavings!Sunday,July16–Saturday,July22,2006. Donate $ 1.95 for school supplies. All donations go to local Boys & Girls Clubs or to a local charity. See store for details. 15¢ Staples® 8" x 101 ⁄2" filler paper • Available in college and wide ruled 502878, 502879 150 sheets 9¢ Elmer’s® school glue 346361 10/pack68¢ Crayola® broad-tip or fine-tip classic markers 860124, 381809 Texas Instruments TI-84 Plus graphing calculator • 100% compatible with the TI-83 Plus • 3x more memory • 2.5x faster • Includes USB computer cable • $119.99 - $15 instant savings - $15 easy rebate = $89.99 566641 Mead® Five Star® Premier 1-subject notebook 601350, 256511 100 sheets75¢ Texas Instruments TI-83 Plus graphing calculator • $99.96 - $15 instant savings - $10 easy rebate = $74.96 383237 Save $ 30 $ 8999 after easy rebate Save $ 25 $ 7496 after easy rebate Limit 12 per customer. Limit 5 per customer. Limit 5 per customer. Limit 5 per customer. $ 998–$ 3998 Selection varies by store. Sweet selection. Sweet style. Roll back to school with the hottest new backpacks. Products pictured are not included with backpack. 9 Page 2 zones: 1, 1a 2 color-coded. colllllllllllllloro rcolllllllllllllor cccccccccccooooooooooo Amazingly Must-have mini pens. Staples ® will donate $ 3 directly to your school for every eligible ink or toner cartridge you collect. Learn more at: www.staplesrecyclefored.com B C D A B NEW! A A B C D E your choice 99¢ B. Sanford ® Sharpie ® mini assorted-color markers 599367 C. Accent ® mini markers 627282 D. Pentel ® R.S.V.P. ® mini pens 648272 E. Pilot EZR mini pens 648278 99¢ A. Staples ® translucent pencil boxes • Reg. price $1.49 825885 Save $ 3 D. 3-drawer wide chest • Reg. price $12.94 632477-green, 632475-blue 5-drawer mini chests. 632479-blue, 632480-green. $19.94. Reg. price $22.94. $ 994 $ 199 C. Avery ® 5-tab write-on indexes 486272 Avery ® 8-tab write-on indexes. Available in assorted colors. 486276. $2.99. 2 for $ 5$2.99 each 12/pack A. Staples ® mini gel stick pens 636172-black, 635246-assorted colors PLUS 2 Free notebooks Free graphing notebooks instantly with Casio ® calculator purchase. 716522. $4.98 value. Plus tax where applicable. $2.99 each 5/pack A. Staples ® Xeno retractable medium pens 577925-black, 577926-blue $2.99 each 4/pack B. Staples ® Sonix retractable ballpoint pens 634958-black, 634959-assorted colors 2 for $ 5 $ 128 Staples ® wide-ruled composition book • 100 sheets per book • Reg. price $3.59 201384 2/pack Casio ® FX-260 scientific calculator. 855558. $8.99. Texas Instruments TI-30Xa scientific calculator. 275842. $9.99. $ 1499 Texas Instruments TI-30XII-S scientific solar calculator • 2-line display 382647 $ 999 Casio ® FX300MS scientific solar calculator • 2-line display 403857 $3.99 each B. Avery ® 1" durable view binders 2 for $ 7 Avery ® 1 ⁄2" durable view binders. 2 for $7. $3.99 each. each Only 64¢ each Page 3 zones: 1, 2, 3, 4, 5, 6, 7 Teen 1 block 3 Expo glass stand. 580538.$39.99. Reg. price $69.99. Pacific computer desk. 36"h x 48"w x 24"d.556945. $59.99. Reg. price $79.99.Situations black leather task chair witharms. Seat-height/tilt-tension lock. 515355.$39.99. Reg. price $59.99. Save 50% $ 1499 2-shelf bookcase • 30"h x 28"w x 12"d• Reg. price $29.99480207-oak finish, 481276-white finish 3-shelf bookcase. 480208, 481277.$19.99. Reg. price $39.99. 5-shelf bookcase. 480209, 481279.$24.99. Reg. price $49.99. Save $ 40 $ 9999 Corner workcenter• 517 ⁄8"h x 501 ⁄2"w x 501 ⁄2"d• Reg. price $139.99360638-oak/black finish Save $ 20 $ 2999 2-shelf heavy-duty bookcase• 30"h x 36"w x 111 ⁄2"d• Reg. price $49.99433637, 433627, 433603 3-shelf heavy-duty bookcase. 433641,433632, 433611. $49.99. Reg. price $69.99.5-shelf heavy-duty bookcase. 433646,433629, 433616. $69.99. Reg. price $89.99.Available in oak, cherry (delivery only) and maple finishes. Save 23% $ 9999 Staples® gray/silvertask chair • Seat-height adjustment• Reg. price $129.99632445 Unless otherwise noted, all furniture is sold unassembled. However, professional assembly is available for an additional charge. While our furniture selection may vary by store, you can always access our complete selection at www.staples.com or 1-800-333-3330. Get fast, convenient delivery! $ 9998 Save $ 40 when you purchase desk and chair together SAVE 10% –50% on ALL in-stock chairs PLUS an additional $ 5–$ 10 on a chairmat with your purchase after easy rebate. $ 8999 Situations Caressoft® seriesmid-back executive chair• Covered with durable Caressoft® fabric • Seat-height/tilt-tension lock• Reg. price $129.99580632 Save 30% $ 6999 Staples® task chairs • Seat-height adjustment• Reg. price $89.99632451-blue, 632450-orange Save 22% $ 3999 Situations leather or fabric manager’s chairs• Reg. price $79.99438030-leather, 479458-fabric Save 50% Save $ 20 $ 5999 Expo glass desk • 537 ⁄8"h x 337 ⁄8"w x 225 ⁄8"d• Reg. price $79.99580537 Enter to win a back to school shopping spree! Visit your local Staples® store or go online to www.geared4school.com to learn more. PLUS don’t miss... FREE Furniture assembly on your purchase of $ 350 or more. Includes all ready-to-assemble furniture. Minimum purchase of $350 required. Offer not valid on file cabinets or chairs. See store for details, offer expires 7/22/06.
  • 7. E-mail Follow us on The Rates The Process The Skinny Chat Now Apply Now *Refinance Only. Applicant must meet minimum qualifications. Rate subject to change. Copyright © 2010-2013 Semper Home Loans. NMLS #1053. All rights reserved. semperHOME LOANS SM 3.25%* APR FHA Home Loans Refinance Only Call today to lock in a low 3.25%* APR and save thousands of dollars over the life of your home loan. We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs. www.semperhomeloans.com 1.866.330.4411 Semper Home Loans 225 Dupont Drive Providence, RI 02907 E-mail ad for a local mortgage company.
  • 8. I n d e p e n d e n t L i v i n g / A s s i s t e d L i v i n g / M e m o r y C a r e August 30, 2013 – 1:00 p.m. – 5:00 p.m.Arts & Media Room SUMMER ART EXHIBITGallery Showing of Artwork created byTraditions of Dedham Residents and Staff Easter Bunny Bag 19.99 • Peeps • Spring Color Jelly Beans • Hershey Robin Eggs • Chocolate Bunny Cone • ABP Chocolate Covered Pretzel Rods • ABP Pastel Mini Shortbread Cookies Posters THANK YOU HOUSEWARMINGS GET WELL SOON GRADUATION AVAILABLE AT aubonpain.com or call 1.800.765.4227 OFFICE PARTIES BIRTHDAYS EMPLOYEE RECOGNITION CONGRATULATIONS &GIFT BASKETS GIFTS FOR ALL OCCASIONS
  • 9. Certificates Certificate of Achievement Presented to: For successful completion of ten weeks of training Bob Lynn’s Kenpo Karate MartialArts and SafetyAwareness Course held at the Roger Wellington Elementary School in Belmont Presented by: Date: Professor Robert Lynn Jr. 8th Degree Black Belt Print Form Karate School Certificates.
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