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Consider the Andover Alternative.

Take advantage of Andover’s higher annuity payment rates before they are reduced on March 31, 2013.

A sample of Andover’s current annuity rates: Age(s) 75 80 85 80 & 75 85 & 80

Rate Sample Gift Deduction* Effective Rate** 6.5% $10,000 $3,390 10.6% 7.5% $10,000 $4,121 12.7% 8.4% $10,000 $5,067 15.0% 5.9% $10,000 $2,808 9.4% 6.7% $10,000 $3,632 11.2%

*Available in February, 2013. Your deduction amount may be higher or lower based on when you fund the annuity. **Based on contributions from those in the maximum federal tax bracket who fund Andover annuities with cash; the effective rate also takes into account tax savings of charitable income tax deduction.

Contact Andover’s Gift Planning Office at 978-749-4529 or giftplanning@andover.edu for details.

Run your own calculations anonymously at www.andover.edu/webcalc. *Annuity payments consist of ordinary income, capital gains, and/or tax-free return of principal.

180 Main Street Andover MA 01810-4161