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MAI MUUTA TONTUNDUM UT US009818156B2 ( 12 ) United States Patent Quinton ( 10 ) Patent No .: US 9 , 818 , 156 B2 (45) Date of Patent : Nov . 14 , 2017 2005 / 0108146 A1 * 5/ 2005 Bond .. . . . . ... . . . .. . . ( 54 ) MULTIPLE MODULAR ASSET CONSTRUCTOR APPARATUSES , METHODS AND SYSTEMS 2010 / 0057636 Al * 3/ 2010 Brennan G06Q 40 / 06 705 / 37 G06Q 40 / 06 705 / 36 R .. .. .. . . .. .. . ( 71 ) Applicant : FMR LLC , Boston , MA ( US ) * cited by examiner ( 72 ) Inventor : Keith Quinton , Hanover , NH ( US ) ( 73 ) Assignee : FMR LLC , Boston , MA ( US ) Primary Examiner - Robert R Niquette ( 74 ) Attorney , Agent , or Firm Hanchuk Kheit LLP ; Walter G . Hanchuk ( * ) Notice : Subject to any disclaimer , the term of this patent is extended or adjusted under 35 U . S .C . 154 ( b ) by 388 days . ( 21 ) Appl . No .: 14 / 601 , 061 ( 22 ) Filed : Jan . 20 , 2015 ( 65 ) Prior Publication Data US 2016 / 0210696 A1 Jul . 21 , 2016 ( 51 ) Int . Cl . G060 40 / 08 ( 2012 . 01 ) G06Q 40 / 06 ( 2012 . 01 ) ( 52 ) U . S . CI . CPC G06Q 40 /06 ( 2013 . 01 ) ( 58 ) Field of Classification Search None See application file for complete search history . ( 57 ) ABSTRACT The Multiple Modular Asset Class Constructor Apparatuses , Methods and Systems ( MMACC " ) transforms collateral ized equity obligation structure parameters , asset search , tranche selections inputs via MMACC components into asset income distribution message , principal distribution message outputs . In one embodiment , the MMACC is an apparatus , with a memory having a component collection , including : a capital structure component , a preferred share class component , and a common share class component . The MMACC also has a processor to issue instructions from the component collection including instructions to obtain a capital structure input via said capital structure component from a system user and determine a preferred share class allocation via said capital structure input and said preferred share class component . The MMACC may use the preferred share class allocation derived from said capital structure input and said preferred share class component and deter mine a common share class allocation via said capital structure input and said common share class component . The MMACC may also output said common share class alloca tion derived from said capital structure input and said common share class component . ( 56 ) References Cited U .S. PATENT DOCUMENTS 8 , 595 , 116 B1 * 11 / 2013 Bettinger , II . . . .. . . . . . G06Q 40 / 04 705 / 36 R 6 Claims , 25 Drawing Sheets Client (s) 1876 MMAC 1992 3rd party / Market 1984 rd party / Market 1985 Asset Buyers 187a All ers 187 , Client ( s ) 186b User ( 5 ) 1862 MACC Collateralized Equity Obligation structures parameters 101 MMACC 1996 to??????? ?y? obligation datastructure parameters ( CEO ) message 102 27 Asset search request 107 Asset search 106 Pool Tranche Instantiation Component (e .g .,see Fig . 2a ) 143 Asset search response 108 Display asset search response 109 Asset Tranche Offer Message 104 Select asset tranche 110 Tranche Asset Transact Component ( e. g. , see Fig . 2b ) 142 Asset tranche purchase order 111 Www Distribute Income less dividend , etc . ) Tranche Component ie . 9, see Fig . 2c : 143 Income Distribution Message 113 Income distribution message 114 ( 13 YR Distribute Principal te . g , capita appreciation / corpus / position proceeds / etc . ) Tranche Component ( 0 . 5 . See Fig .20 344 Principal Distribution ml Message 116 Principal distribution message 117 : MMACC Datagraph
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Page 1: MAI MUUTA TONTUNDUM UT

MAI MUUTA TONTUNDUM UT US009818156B2

( 12 ) United States Patent Quinton

( 10 ) Patent No . : US 9 , 818 , 156 B2 ( 45 ) Date of Patent : Nov . 14 , 2017

2005 / 0108146 A1 * 5 / 2005 Bond . . . . . . . . . . . . . . . . ( 54 ) MULTIPLE MODULAR ASSET CONSTRUCTOR APPARATUSES , METHODS AND SYSTEMS 2010 / 0057636 Al * 3 / 2010 Brennan

G06Q 40 / 06 705 / 37

G06Q 40 / 06 705 / 36 R

. . . . . . . . . . . . .

( 71 ) Applicant : FMR LLC , Boston , MA ( US ) * cited by examiner ( 72 ) Inventor : Keith Quinton , Hanover , NH ( US )

( 73 ) Assignee : FMR LLC , Boston , MA ( US ) Primary Examiner - Robert R Niquette ( 74 ) Attorney , Agent , or Firm — Hanchuk Kheit LLP ; Walter G . Hanchuk

( * ) Notice : Subject to any disclaimer , the term of this patent is extended or adjusted under 35 U . S . C . 154 ( b ) by 388 days .

( 21 ) Appl . No . : 14 / 601 , 061

( 22 ) Filed : Jan . 20 , 2015 ( 65 ) Prior Publication Data

US 2016 / 0210696 A1 Jul . 21 , 2016 ( 51 ) Int . Cl .

G060 40 / 08 ( 2012 . 01 ) G06Q 40 / 06 ( 2012 . 01 )

( 52 ) U . S . CI . CPC G06Q 40 / 06 ( 2013 . 01 )

( 58 ) Field of Classification Search None See application file for complete search history .

( 57 ) ABSTRACT The Multiple Modular Asset Class Constructor Apparatuses , Methods and Systems ( “ MMACC " ) transforms collateral ized equity obligation structure parameters , asset search , tranche selections inputs via MMACC components into asset income distribution message , principal distribution message outputs . In one embodiment , the MMACC is an apparatus , with a memory having a component collection , including : a capital structure component , a preferred share class component , and a common share class component . The MMACC also has a processor to issue instructions from the component collection including instructions to obtain a capital structure input via said capital structure component from a system user and determine a preferred share class allocation via said capital structure input and said preferred share class component . The MMACC may use the preferred share class allocation derived from said capital structure input and said preferred share class component and deter mine a common share class allocation via said capital structure input and said common share class component . The MMACC may also output said common share class alloca tion derived from said capital structure input and said common share class component .

( 56 ) References Cited U . S . PATENT DOCUMENTS

8 , 595 , 116 B1 * 11 / 2013 Bettinger , II . . . . . . . . . . G06Q 40 / 04 705 / 36 R 6 Claims , 25 Drawing Sheets

Client ( s ) 1876

MMAC 1992 3rd party / Market 1984 rd party / Market 1985 Asset Buyers 187a All ers 187 , Client ( s ) 186b

User ( 5 ) 1862 MACC Collateralized

Equity Obligation structures parameters 101

MMACC 1996 to??????? ?y?

obligation datastructure

parameters ( CEO ) message 102

27 Asset search request 107

Asset search 106 Pool Tranche Instantiation Component ( e . g . , see Fig .

2a ) 143 Asset search response 108

Display asset search response 109

Asset Tranche Offer Message

104 Select asset tranche 110

Tranche Asset Transact Component ( e . g . , see Fig . 2b ) 142

Asset tranche purchase order

111 Www Distribute Income less dividend , etc . ) Tranche

Component ie . 9 , see Fig . 2c : 143 Income Distribution

Message 113

Income distribution message 114

( 13 YR

Distribute Principal te . g , capita appreciation / corpus / position proceeds /

etc . ) Tranche Component ( 0 . 5 . See Fig . 20 344

Principal Distribution ml Message 116

Principal distribution message 117

: MMACC — Datagraph

Page 2: MAI MUUTA TONTUNDUM UT

Client ( s ) 187b

Client ( s ) 186ba

Auser ( s ) 186a

Asset Buyers 18

VIMACC Collateralized OEquity Obligation structures parameters 101

atent

MMACC 1996 3rd party / Market 1986

??zed quity obligation datastructure / parameters ( CEO ) message 102

Pool Tranche Instantiation Component ( e . g . , see Fig .

2a ) 141

Asset search request 107

G

ARRARA

Asset search 106

Asset search response 108

Display asset search response 109

Nov . 14 , 2017

Asset Tranche Offer Message 104

Select asset tranche 110

wwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww Tranche Asset Transact Component ( e . g . , see Fig . 2b ) 142

Asset tranche purchase order 111

12

Sheet 1 of 25

Distribute Income ( 2 . g .

divident , etc ) Tranche Component ( eg . , see Fig . 2c ) 143

Income Distribution Message 113

Income distribution message 114

Distribute Principal ( c . g . , capital appreciation / corpus / position / proceeds / etc . ) Tranche Component ( 2 . 9 .

see Fig . 2c ) 144

Principal Distribution Message 116

Principal distribution message 117

US 9 , 818 , 156 B2

Fig . 1 : MMACC - Datagraph

Page 3: MAI MUUTA TONTUNDUM UT

MMACC Server 299

- - - - - - - - -

Market / 3rd Party 298

Client 286 Display Login / Create Screen 204

Asset Buyer 287

U . S . Patent

Start / Stop 202

- -

CEO exists ( e . g . , and extra capacity ) ? 212

Setect assetiste . g . , index , high yield , high income , specific equities , etc ) 214

-

Ir Parameters for new 107 product 206 Display " make another ” message or allow editing ( e . g . ,

web form ) 208

For each asset ( e . g . , specified my CEO parameter message ) 216

Create a new current yield slice data structure ( I . e . , a new

slice type ; e . g . , electronic record in database associated to new CEO product ) 218

Nov . 14 , 2017

- -

i Parameters for new CEO confirm 210

Create a new dividend growth slice data structure

MMACC DB 219 > Stores Stice assoc . With CEO product Acent . Create a principal appreciation slice data structure 222

-

?? ?? ??

220

- -

?? ?? ??

Next / More assets ?

Sheet 2 of 25

224

For each slice type 226

?? ?? ??

{ { {

? ? ?

Generate slice type component for new CEO product ( e . g . , adding slice values

per parameters ; see Fig . 10 ) 230

Select all assets for slice type ( e . g . , OB select slice type for each asset to create tranche ; see Fig . 10 ) 228

? ?? ??

11 1 1 {

?? ?? ?? ?? ??

Hext / More stice

Instantiate CEO product ( e . g . , create new electronic record in all

types ? 232

database associated with slices ) 234 Pool tranche instantiation component 241

Fig . 2a : MMACC - Pool Tranche Instantiation Component Logic Flow

?? ??

US 9 , 818 , 156 B2

Page 4: MAI MUUTA TONTUNDUM UT

Client 286

MMACC Server 299 - - - - - - -

Market / 3rd Party 298

-

Asset Buyer 287

MMACC Server 299

- - - - - - - - - - - Start / Stop 202

Market3rd Party 298

Display Login / Create Screen 240

atent

1 -

Search DB 246

Asset search 245

1

MMACC DBZT9

Display Asset ( e . g . ,

CEO ) and Slice Type options for purchase 247

I

Nov . 14 , 2017

ATY w / in limits

Purchase additional assets / ( e . g . , stocks ) 252

250

posetect product / tranche ( e . g . , funding source , etc . ) . | 248

Allocate purchase in CEO product 254

Request funds to cover collateralized purchase of tranche 256

-

Sufficient ? 258

Error , retry 260

Sheet 3 of 25

-

Allocate collateral CEO tranche record to asset buyer 262

-

Tranche asset transact component 242

US 9 , 818 , 156 B2

Fig . 2b : MMACC — Transact Component Logic Flow

Page 5: MAI MUUTA TONTUNDUM UT

Client 286

MMACC Server 299

. Markeurd Party 29

??? ;

5

Market / 3rd Party 298

Asset Buyer 287 Distribute income tranche component 243

?

C

Start / Stop 202

??

atent

?

-

?

For each CEO product 2607

?

-

?

-

?? ?

- !

?? ?

Display Asset ( e . g . ,

CEO ) and Slice Type options for purchase 246

Lithe next lende dynamically , on - demand , periodic te . g . , second , minute , hr , day , week , month , quarterly , semi / biannual , etc . ) , realtime etc ) ? 268

? ???

Nov . 14 , 2017

? ? ? ?

Setect product / tranche ( e . g . , funding source , etc . )

? ? ?

248

?

For each CEO product tranche / slice asset buyer 270

More asset buyer slices ? 282

? ? ? ?

Error , retry 260

Sheet 4 of 25

? ?

-

MMACC DB 219

??

-

Determine tranche value povertime ( e . g . , see Fig . 3 for calculations ; i . e . , update MMACC DB ) 272

??

-

??

-

?? ? ? ? ? ? ??

-

Maturity ? 27 to many

Provide / request funds to cover collateralized

Display fund update

performance of tranche

278

275

Distribute principal tranche component 244

Provide / request funds to

Display fund update

cover collateralized

and dose out with

performance of tranche

capital return 280

and return of capital 276

- - - - - - + 4 + 25 )

? ? ?? ? ?

US 9 , 818 , 156 B2

Fig . 2c : MMACC - Distribute Components Logic Flow - - - - -

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Page 6: MAI MUUTA TONTUNDUM UT

302

304

306

U . S . Patent

?????????????????????????????????????????????????????

( 74777777777777777777777777777777777

4 .

387 Tranche # 1 Buyer

TATATATATATATATATATATATATATATATATA

Pooled $ $ $ - Buys initial portfolio

Years 1 thru T

- Distribute dividend Q8

Maturity - Sell positions and istribute pY9Cec1s

. . - - -

.

Tranche # 2 Buyer

310

.

-

-

-

- - -

Nov . 14 , 2017

v - 22

308

. . .

Tranche # 1

-

- -

-

-

-

-

Tranche # 1

- - -

-

-

-

-

- - -

- - -

- - -

.

- -

Tranche # 3 Buyer

* * *

Tranche # 2

-

Tranche # 2

-

.

-

-

Sheet 5 of 25

- - -

-

Tranche # 3

Tranche # 3

I

1

* - = - = - = - = - = + = + = + = + = + = +

+ = + = + = + = = .

Tranche # N Buyer

tranche # N

tranche # N

US 9 , 818 , 156 B2

Fig . 3 : MMACC — Datagraph / Structure

Page 7: MAI MUUTA TONTUNDUM UT

atent

2009 2010 2011 2012 2013

Portfolio Dividend Income 8 , 044 , 745 8 , 287 , 523 10 , 444 , 385 13 , 651 , 874 14 , 405 , 821

Total :

Dividend Allocation Tranche 1 Tranche 2 $ 3 , 100 , 000 $ 3 , 100 , 000 $ 3 , 100 , 000 $ 3 , 100 , 000 $ 3 , 100 , 000 $ 4 , 244 , 385 $ 3 , 100 , 000 $ 7 , 451 , 874 $ 3 , 100 , 000 $ 8 , 205 , 821 $ 15 , 500 , 000 $ 26 , 102 , 079

Tranche 3 $ 1 , 844 , 745 $ 2 , 087 , 523 $ 3 , 100 , 000 $ 3 , 100 , 000 $ 3 , 100 , 000 $ 13 , 232 , 268

Nov . 14 , 2017 Sheet 6 of 25

Portfolio Market Value 2013 $ 595 , 740 , 879

Market Value Allocation Tranche 1 Tranche 2 Tranche 3 $ 100 , 000 , 000 $ 100 , 000 , 000 $ 395 , 740 , 879

5 Year Simple Return : Annual IRR :

15 . 5 % 3 . 1 %

26 . 1 % 5 . 1 %

309 . 0 % 33 . 2 %

US 9 , 818 , 156 B2

Fig . 4 : MMACC — Example CEO Parameters 2008 Vintage

Page 8: MAI MUUTA TONTUNDUM UT

504

501

U . S . Patent

Income $ 3 , 100 , 000

Income $ 3 , 100 , 000

Income $ 3 , 100 , 000

Income $ 3 , 100 . 000

$ 3 , 100 , 000

Income $ 100 , 000 , 000

Growth & Income $ 3 , 100 , 000

Growih & Income $ 100 . 000 . 000

Growth : % incone $ 3 , 100 , 000

Growth & Income $ 4 , 244 , 385

Growth Income $ 7 , 451 . 874

Growth & income $ 8 , 205 , 821

Capital Appreciation $ 100 , 000 , 000

Capital Appreciation $ 1 , 844 , 745

Capital Appreciation $ 2 , 087 , 523

Capital Appreciation $ 3 , 100 , 000

Capital Appreciation $ 3 , 100 , 000

Capital Appreciation $ 3 , 100 , 000

Nov . 14 , 2017

503

505

12 / 31 / 2008 Buy Portfolio $ 300 , 000 , 000

Distribute Cate $ 8 , 044 , 745

2010 ???? c?? $ 8 , 287 , 523

2011 Distribute ???? $ 10 , 444 , 385

2012 Distribute income $ 13 . 651 . 874

2013 Distribute income $ 14 , 405 . 821

12 / 31 / 2013 Sell portfolio $ 595 , 740 , 879

502

-

Sheet 7 of 25

-

-

-

} n me $ 100 , 000 , 000

50 mm

Growth & income $ 100 . 000 . 000

* *

* *

Capital Appreciation 507 $ 395 , 740 , 879

US 9 , 818 , 156 B2

Fig . 5 : MMACC — 2008 Vintage Flowchart

Page 9: MAI MUUTA TONTUNDUM UT

U . S . Patent Nov . 14 , 2017 Sheet 8 of 25 US 9 , 818 , 156 B2

Capital Appreciation Independence Growth Company

* * * * tiittisissa Fidelity Fund * * * * * * *

* * * * * * * * * *

Growth Core

Growth & Income Equity Income

Fig . 6 : MMACC - Equity Product Line

Page 10: MAI MUUTA TONTUNDUM UT

U . S . Patent

Low

Security Risk Spectrum Medium GILD 1 . 1 0 . 8 %

PG

High BAC 1 . 5

Beta S & P 500 :

0 . 7 1 . 3 %

0 . 9 %

2 . 3 %

income G & I CapApp All :

1 . 3 % 0 . 3 % 1 . 3 %

0 . 8 % 0 . 8 % 0 . 8 % 0 . 8 %

0 . 0 % 0 . 9 % 1 . 8 % 0 . 9 %

Nov . 14 , 2017

Income Return = 2 . 3 % * PG Return . . . + 0 . 8 % * GILD Return . . . + 0 . 0 % * BAC Return

G & T Return = 1 . 3 % * PG Return . . . + 0 . 8 % * GILD Return . . . + 0 . 9 % * BAC Return

CapApp Return = 0 . 3 % * PG Retum . . . + 0 . 8 % * GILD Return . . . + 1 . 8 % * BAC Return

3001

1 - THE - 1

Sheet 9 of 25 US 9 , 818 , 156 B2

Fig . 7 : MMACC - Equity Process

Page 11: MAI MUUTA TONTUNDUM UT

Actual Tracking Error to the S & P 500 1993 - present

- - - - - - - - -

atent

CapApp - sce

Growl :

Nov . 14 , 2017

Absolute Risk 1993 - present

25 . 0

rrrr 20 . 01

- - -

Incone verwesen

Sheet 10 of 25

w

Core

US 9 , 818 , 156 B2

0 . 0

-

Fiq . 8 : MMACC — Fund Performance ( Risk )

income Income

&

Core Core

Growth

Capapp

190 / 25 )

Page 12: MAI MUUTA TONTUNDUM UT

U . S . Patent atent Nov . 14 , 2017 Sheet 11 of 25 US 9 , 818 , 156 B2

Lines : Cumulative Value of $ 1 CI ??? 0 . 20 000

*

Za TOZ UPF ETBAO Foz mi

* * *

* * * Jan , 2013 A

Bo & CapApp Performance During The GFC

ww G

www

wwwww wwwwwwwwwwww

rozpoco The O . Qincome

IOZ Log BOZ ' % ZE - wwwwwwww 22000000000000 FROZ ini wwwwwwwwwwwwwwwwwwwww

wwwwwww

W w wwwwwwwwwwww . . . . . - - - - - - - - - - - - -

20 . 00 OG ST 10 . 00 - . 00

0 . 00 V

100 01 : 15 . 00 ) 20 . 00 ) 25 . 00 )

Bars : Monthly Return

Core browth mas : * * * * G & I joyde ) . . . . . W

MOY . 2014 : Oy , 2013

FL? ' ' 4ux , 2012

?????

ZTOZ uer ITOZU ?

LULOU ' MITA OTOZ 18V 600Z d55 5002424 SUOT 1 . 5

x

Correlation With S & P 500 Des , 2007 Wiay , 2001

0 . 1 , 7006 Mar , 2006 Aue , 2005 Jan . 2003 IN ZUJA No 2003

Apr , 2003 Sep , 2002 reb , 2002

0 . 86

Core Growth CapApp 0 . 84

0 . 95 Average G & 0 . 97

Tooz nr Des 2000 May , 2000 , 1999 O

11661 * 6W 3667 Km 8661 ' ve 2661 4661 . ' AIN 966T ' Idv

Fig . 9 : MMACC — Correlation / Performance Sep , 1995 Feb , 1995

7665 km Income 0 . 94

166 1 . 00 11 . 25

Page 13: MAI MUUTA TONTUNDUM UT

1001

U . S . Patent

brana

35

1002 1003

OSO 933199

Nov . 14 , 2017

: : : : : : : : : : :

Low Yield Yield

Return Components Risk Spectrum Medium Growth

1005 High High Appreciation

:

PG

Current Yield

+

Dividend Growth

+

Capital Appreciation

Sheet 12 of 25

GILD

Current Yield

Dividend Growth

to

Capital Appreciation

BAC

Current Yield

Dividend Growth

+ +

Capital Appreciation

Income 0 . 7 %

CapApp 0 . 7 %

PG

G & 1 0 . 7 % 1 . 1 % 1 . 5 %

1006

GILD

1 . 1 %

1 . 1 %

BAC

1 . 5 %

1 . 5 %

Income Return = 0 . 7 % * PG Current Yield . . . + 0 . 7 % * GILD Current Yield . . . + 0 . 7 % * BAC Current Yield G & l Return = 0 . 7 % * PG Dividend Growth . . . + 0 . 7 % * GILD Dividend Growth . . + 0 . 7 % * BAC Dividend Growth

CapApp Return = 0 . 7 % * PG Capital Appreciation . . . + 0 . 7 % * GILD Capital Appreciation . . . t0 . 7 % * BAC Capital Appreciation

( S & P 500 index weights )

Fig . 10 : MMACC — MMACC Structure

US 9 , 818 , 156 B2

Page 14: MAI MUUTA TONTUNDUM UT

$ 300 MM Sold at 4 % Yield

U . S . Patent

Total Return 2 3

4

1

4

5

Overall Average

STD Sharpe

100

105

95

Index Price Index Yield

100 4 . 4 %

102 3 . 9 %

110 4 . 4 %

4 . 0 %

4 . 8 %

- . - . - . - . - . - . - .

. . .

. . . . . . . . . .

. .

. . . . . . . . . . . .

.

- .

- . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - .

- . - . - . - .

- . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - . - .

- - - - - -

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Portfolio

. . . . . . . . . . . .

. .

. . . . . . . . . . . . . . . . . . . .

Dividend income Value

12 , 000 , 000 315 , 000 , 000

13 , 860 , 000 300 , 000 , 000

14 , 400 , 000 285 , 000 , 000

11 , 115 , 000 306 , 000 , 000

13 , 464 , 000 330 , 000 , 000

300 , 000 , 000

9 . 0 %

- 0 . 4 %

- 0 . 2 %

11 . 3 %

12 . 2 %

31 . 6 %

6 . 4 %

6 . 2 %

1 . 03

Nov . 14 , 2017

Income tranche Dividend income

Value

100 , 000 , 000

4 , 000 , 000 100 , 000 , 000

4 , 000 , 000 100 , 000 , 000

4 , 000 , 000 100 , 000 , 000

4 , 000 , 000 100 , 000 , 000

4 , 000 , 000 100 , 000 , 000

4 . 0 %

4 . 0 %

40 %

40 %

40 %

20 0 %

4 . 0 %

0 . 0 % . m .

Portfolio ex - Income Dividend income

Value

8 , 000 , 000 215 , 000 , 000

9 , 860 , 000 200 , 000 , 000

10 , 400 , 000 185 , 000 , 000

7 , 115 , 000 206 , 000 , 000

9 , 464 , 000 230 , 000 , 000

200 , 000 , 000

11 . 5 %

- 2 . 4 %

- 2 . 3 %

15 . 2 %

16 , 2 %

37 . 4 %

7 . 7 %

9 . 3 %

0 . 82

Sheet 13 of 25

G & I Tranche

Dividend income

4 , 000 , 000 100 , 000 , 000

5 , 860 , 000 100 , 000 , 000

6 , 400 , 000 100 , 000 , 000

4 , 000 , 000 100 , 000 , 000

5 , 464 , 000 100 , 000 , 000

Value

100 , 000 , 000

4 . 0 %

5 . 9 %

6 . 4 %

4 . 0 %

5 . 5 %

25 . 7 %

5 . 1 %

1 . 1 %

4 . 69

.

.

. .

Portfolio ex - income ; ex - G & I ( = Capp App )

Dividend income Value

100 , 000 , 000

4 , 000 , 000 115 , 000 , 000

4 , 000 , 000 100 , 000 , 000

4 , 000 , 000 85 , 000 , 000

3 , 115 , 000 106 , 000 , 000

4 , 000 , 000 130 , 000 , 000

19 . 0 %

- 9 . 6 %

- 11 . 0 %

28 . 4 %

26 . 4 %

49 . 1 %

10 . 6 %

19 . 4 %

0 . 55

. . . . . . . . . .

. . . . . . . . . . . . .

US 9 , 818 , 156 B2

Fig . 11 : MMACC — MMACC Hypothetical

Page 15: MAI MUUTA TONTUNDUM UT

1970 Tranche

. ' . ' . ' .

. . . . . . . . . . . . . . . .

atent

Sold at :

3 . 5 %

Total Return

1971 .

Overall Average

STD Sharpe

1975 90 . 19

: . . . . .

Start 92 . 15 $ 3 . 19 3 . 5 %

Index Price Index Dividend Index Yield

. . 1972 118 . 05 $ 3 . 19 2 . 7 %

102 . 09 $ 3 . 16 3 . 1 %

1973 97 . 55 $ 3 . 61 3 . 7 %

1974 68 . 56 $ 3 . 72 5 . 4 %

. .

$ 3 . 73 4 . 1 %

Portfolio

Nov . 14 , 2017

Income

10 , 303 , 169 10 , 376 , 614

Value 300 , 000 , 000 : 332 , 360 , 282 : 384 , 319 , 045

11 , 750 , 461 12 , 119 , 831 12 , 155 , 831 317 , 580 , 033 : 223 , 201 , 302 293 , 619 , 099

3 . 4 % 14 . 2 %

3 . 1 % 18 . 8 %

3 . 1 % 3 . 8 % - 14 . 3 % - 25 . 9 %

5 . 4 % 37 . 0 %

3 , 255 , 562

16 . 8 %

6 . 0 %

25 . 6 %

0 . 23

. . . . . . . . . . . . . . . .

30 . 0 % Income tranche

Income

3 , 114 , 000 90 , 000 , 000

3 , 114 , 000 90 , 000 , 000

3 , 114 , 000 90 , 000 , 000

3 , 114 , 000 90 , 000 , 000

3 , 114 , 000 90 , 000 , 000

3 . 5 % 3 . 5 %

3 . 5 % 3 . 5 %

3 . 5 % 3 . 5 %

3 . 5 % 3 . 5 %

3 . 5 % 3 . 5 %

976 , 668

Value

90 , 000 , 000

17 . 3 %

3 . 5 %

0 . 0 %

nm .

.

. . . . . . . . . . . . . . .

.

. . . . . . . . . . . . . . . .

. .

Portfolio ex - Income

come

7 , 189 , 169 7 , 262 , 614 242 , 360 , 282 294 , 319 , 045

8 , 636 , 461 227 , 580 , 033

9 , 005 , 831 133 , 201 , 302

9 , 041 , 831 203 , 619 , 099

3 . 4 % 18 . 8 %

3 . 0 % 24 . 4 %

2 . 9 % - 19 . 7 %

4 . 0 % - 37 . 5 %

6 . 8 % 59 . 7 %

Sheet 14 of 25

Value 210 , 000 , 000

16 . 6 %

9 . 1 %

38 . 4 %

0 . 24

. . . . . . . . .

30 . 0 % G & 1 Tranche

. . . .

Income Value

3 , 114 , 000 90 , 000 , 000

3 , 114 , 000 90 , 000 , 000

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4 , 853 , 831 90 , 000 , 000

4 , 889 , 831 90 , 000 , 000

3 . 5 % 3 . 5 %

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0 . 35

US 9 , 818 , 156 B2

Fig . 12 : MMACC — MMACC Actual YIYI

Page 16: MAI MUUTA TONTUNDUM UT

Average Annual Return and Annual Volatility

U . S . Patent

70 . 0 % 60 . 0 % 50 . 0 %

CapApp

Nov . 14 , 2017

40 . 0 %

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Sheet 15 of 25

10 . 0 % 18 & P 500 . . . X G & X

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US 9 , 818 , 156 B2

. - 30 . 0 %

Fig . 13 : MMACC — Outcome Range 1961 - 2008

Page 17: MAI MUUTA TONTUNDUM UT

Average Annual Return and Annual Volatility

U . S . Patent

% O OS

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Fig . 14 : MMACC - Outcome Range 1961 - 2008

US 9 , 818 , 156 B2

Page 18: MAI MUUTA TONTUNDUM UT

Average Annual Return and Annual Volatility

U . S . Patent

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Nov . 14 , 2017

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Sheet 17 of 25

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Fig . 15 : MMACC — Shift Risk Change Allocation 33 : 33 : 33 to 20 : 20 : 60

US 9 , 818 , 156 B2

Page 19: MAI MUUTA TONTUNDUM UT

Fig . 16 : MMACC — 5 Yr Outcomes 1961 - 2008

0 . 0 %

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20 . 0 % 40 . 0 % 60 . 0 % 80 . 0 % % 0 ' 001 120 . 0 % 140 . 0 % 160 . 0 %

• Income 6 G &

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US 9 , 818 , 156 B2 Sheet 18 of 25 Nov . 14 , 2017 U . S . Patent

Page 20: MAI MUUTA TONTUNDUM UT

Fig . 17 : MMACC — Trailing 5 Yr MMACE Tranche Correlations with S & P 500

S

US 9 , 818 , 156 B2 Sheet 19 of 25

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Page 21: MAI MUUTA TONTUNDUM UT

2003 Tranche

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US 9 , 818 , 156 B2

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Page 22: MAI MUUTA TONTUNDUM UT

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Fig . 19 : MMACC — MMACC and GFC Recovery

Page 23: MAI MUUTA TONTUNDUM UT

$ 300 MM Fund 33 / 33 / 33 ; 5 % yield

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Nov . 14 , 2017

= Underlying Portfolio

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US 9 , 818 , 156 B2

Page 24: MAI MUUTA TONTUNDUM UT

Fig . 21 : MMACC - MMACC as Option ( Income )

US 9 , 818 , 156 B2

Total $ MM Dividends Recieved in Any Given Year

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Page 25: MAI MUUTA TONTUNDUM UT

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US 9 , 818 , 156 B2

Fig . 22 : MMACC - MMACC as Option ( Capital )

Page 26: MAI MUUTA TONTUNDUM UT

atent Nov . 14 , 2017 Sheet 25 of 25 US 9 , 818 , 156 B2

Computer Systemization 2302 OOOOO 0000 - 2375 18 - txien Clock CPU

oli Cell , GPS , NFC , oli Wifi , etc . ) 000000000 82303

* Crypto Device 2328 ] Peripheral Device ( s ) ( e . g . , ambient , camera , la

sensor , proximity , etc . : 2312 2330

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Accounts 2319a Users 2319b Devices 2319C

Apps 2319d Assets 2319e Payments 23191

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Crypto Sivr 2320 Mail Server 2321 Into . Server 2316

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Fig . 23 : MMACC — Controller

Page 27: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2

nnova

MULTIPLE MODULAR ASSET FIG . 6 shows a graph illustrating embodiments an equity CONSTRUCTOR APPARATUSES , METHODS product line relationship between returns and risk for the

AND SYSTEMS MMACC ; FIG . 7 shows a datagraph illustrating funds ' relationship

This application for letters patent disclosure document 5 between returns and risk for the MMACC ; describes inventive aspects that include various novel inno - FIG . 8 shows graphs illustrating funds ' performances for vations ( hereinafter “ disclosure ” ) and contains material that the MMACC ; is subject to copyright , mask work , and / or other intellectual FIGS . 9A - B show graphs illustrating funds ' correlated property protection . The respective owners of such intellec - performances for the MMACC ; tual property have no objection to the facsimile reproduction duction 10 FIG . 10 show a datagraph illustrating a CEO structure for

the MMACC ; of the disclosure by anyone as it appears in published Patent FIG . 11 show a calculation worksheet illustrating a hypo Office file / records , but otherwise reserve all rights . thetical CEO structure values for the MMACC ; FIELD FIG . 12 show a calculation worksheet actual 1970 CEO

15 structure values for the MMACC ; FIGS . 13 - 14 show graphs of a range of outcomes from The present innovations generally address information 1961 - 2008 of average annual returns and volatility for the technology , and more particularly , include Multiple Modular example CEO structure for the MMACC ; Asset Class Constructor Apparatuses , Methods and Systems . FIG . 15 shows a graph of a range of outcomes from

However , in order to develop a reader ' s understanding of 20 1961 - 2008 of average annual returns and volatility with risk the innovations , disclosures have been compiled into a shifted by changing tranche allocations for the example single description to illustrate and clarify how aspects of CEO structure for the MMACC : these innovations operate independently , interoperate as FIG . 16 shows a graph of a range of outcomes from between individual innovations , and / or cooperate collec - 1961 - 2008 of average 5 year cumulative returns and vola tively . The application goes on to further describe the 25 tility for the example CEO structure for the MMACC ; interrelations and synergies as between the various innova FIG . 17 shows a graph of a trailing 5 year MMACC tions ; all of which is to further compliance with 35 U . S . C . tranche correlations with the S & P 500 for the example CEO $ 112 . structure for the MMACC ;

FIGS . 18 - 19A - D show graphs of an annual return and BACKGROUND 30 cumulative value of a 2003 - 2007 tranche for the example

CEO structure for the MMACC ; Information technology allows users to access streams of FIG . 20 shows a block diagram illustrating example

information through various user interfaces . Databases can tranche outcomes for a $ 300M fund with 5 % yield for the track assets such as physical inventory , equity shares , example CEO structure for the MMACC ; accounts receivable / payable . debts / loans and derivatives 35 FIGS . 21A - B show graphs illustrating dividends received thereof . Some assets have stable values while others vary by tranche vs dividends received in a given year , as an greatly , the various assets sometimes generating income option ( income ) the example CEO structure for the

MMACC ; streams , while other times appreciate / depreciate . These dif ferent assets have different risk exposures and may be a FIGS . 22A - B show graphs illustrating dividends received attractive to different types of owners . 40 by tranche vs dividends received in a given year , as an

option ( capital ) the example CEO structure for the MMACC ; BRIEF DESCRIPTION OF THE DRAWINGS FIG . 23 shows a block diagram illustrating embodiments of a MMACC controller , Appendices and / or drawings illustrating various , non $ ; hon - 45 APPENDIX 1 illustrates initial purchase embodiments of limiting , example , innovative aspects of the Multiple Modu the MMACC ; lar Asset Class Constructor Apparatuses , Methods and Sys APPENDIX 2 illustrates 5 years of dividends embodi

tems ( hereinafter “ MMACC " ) disclosure , include : ments of the MMACC ; and FIG . 1 shows a datagraph illustrating example embodi - APPENDIX 3 illustrates Dec . 31 . 2013 liquidation

ments of the MMACC ; 50 embodiments of the MMACC . FIG . 2a shows a logic flow diagram illustrating embodi Generally , the leading number of each citation number

ments of a pool tranche instantiation component for the within the drawings indicates the figure in which that MMACC ; citation number is introduced and / or detailed . As such , a

FIG . 2b shows a logic flow diagram illustrating embodi - detailed discussion of citation number 101 would be found ments of a tranche asset transact component for the 55 and / or introduced in FIG . 1 . Citation number 201 is intro MMACC ; duced in FIG . 2 , etc . Any citation and / or reference numbers

FIG . 2c shows a logic flow diagram illustrating embodi - are not necessarily sequences but rather just example orders ments of a distribute income tranche and distribute principal that may be rearranged and other orders are contemplated . tranche components for the MMACC ;

FIG . 3 shows a datagraph illustrating example embodi - 60 DETAILED DESCRIPTION ments of the MMACC ;

FIG . 4 shows a calculation worksheet illustrating embodi - The Multiple Modular Asset Class Constructor Appara ments of a 2008 vintage CEO datastructure parameters for tuses , Methods and Systems ( hereinafter “ MMACC ” ) trans the MMACC ; forms collateralized equity obligation structure parameters ,

FIG . 5 shows a datagraph companion to the worksheet 65 asset search , tranche selections inputs , via MMACC com illustrating embodiments of a 2008 vintage CEO datastruc - ponents ( e . g . , pool tranche instantiation 2341 , tranche asset ture parameters for the MMACC ; transact 2342 , distribute income tranche 2343 , distribute

Page 28: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2

principal tranche 2344 of FIG . 23 , etc . ) , into asset income one of those stocks and allocate it to an equity income distribution message , principal distribution message outputs . investor and then at the end of a specified holding period In another embodiment , the MMACC transforms a Capital ( e . g . , 5 year maturity ) the equity income holder will have Structure Component inputs via Preferred Share Class and first claim of getting the principal value they invested out of Common Share Class components into a series of multi - 5 the portfolio ) . In other words , the MMACC slices the share class product offerings . The Capital Structure Com - component return of each stock and allocates it rather than ponent may include one or more of a UIT ( Unit Investment vertically putting each stock into a different portfolio . As Trust ) sub - component , a CLO ( Collateralized Loan Obliga - such , MMACC allows the equity component may be sliced tion ) & CEO ( Collateralized Equity Obligation ) sub - com - of for one group of investors and an income component may ponent and / or an ETF ( Exchange Traded Fund ) sub - com - 10 be sliced off for another group . In one embodiment , ponent . The Preferred Share Class component may include MMACC could allow trades during the maturity period . It one or more of an Income Share Class sub - component , and may be sliced in numerous tranches to distribute and allocate a Growth & Income Share Class sub - component . The Com - portions of the income and capitol at the end of the maturity mon Share Class component may include a Capital Appre - period based on different rules ( e . g . , taking an equity product ciation sub - component . As such , the MMACC may trans - 15 and creating a piece out of it so its like a bond but with a form straight equity products into more attractive higher income component where the MMACC would take a instruments by dividing and allocating the return and risk tranche out of the equity portfolio that provides to a stake streams . The MMACC , rather than allocate stocks to types holder holding until maturity , and when sold , the stake of funds , allocates a portion of each stock ' s return to holder gets their principal back and whatever income made different possible funds : ( 1 ) Income , ( 2 ) Growth & Income 20 during that period ) . In addition to allowing stake holders and / or ( 3 ) Capital Appreciation via a plurality of share owning an income component , equity component and also classes . As such , the MMACC components , in various hybrid components . In one embodiment , MMACC provides embodiments , implement advantageous features as set forth a coverage ratio feature where , for example , MMACC buys below . $ 100 of stock and sells only $ 50 via an income component ,

25 then the MMACC has income from a $ 100 portfolio cov Introduction ering the income promised to the $ 50 income component

( i . e . , protecting the income portfolio ) . In one embodiment , The MMACC provides a new datastructure and data the MMACC employs a collateralized loan obligation

stream allowing asset owners to receive benefits and features ( CLO ) structure to transact , but instead as a collateralized that were never before available from a single asset type . 30 equity obligation datastructure ( CEO ) . Although at one time The MMACC can create slices of value from pools of assets primes and scores could take a stock and split the return of that were never before separable . In this way , an asset buyer a stock into individual pieces , it was limited to as single may enjoy the just the dividend income ( usually paying stock and would work in perpetuity without maturity and set higher rates than bonds for example ) in one slice of an asset allowable trades of one or the other pieces ; it did not allow pool , while a different asset buyer may enjoy just the asset 35 for MMACC features such as , but not limited to : a portfolio appreciate component of that same asset pool without any context , multiple tranches , convergence ratios , fixed matu dividend income . The MMACC provides asset buyers ( e . g . , rity periods , etc . In one embodiment , the MMACC allows investors ) with a number of benefits including , but not users to set both ( a ) how much of each tranche is to be sold limited to , providing them with what they want : income with out of each aggregate pool and ( b ) set the income with an stable principal , growth & income with some capital risk or 40 initial yield paid and is set at the beginning of the period and capital appreciation ; specific term / duration ; no broker / un - does not change ( e . g . , a portfolio that yields 2 . 5 % and derwriter credit risk — not a derivative ; no reinvestment or MMACC sells a 25 % income tranche ( e . g . , sell maximum of roll risk ; low cost . MMACC can employ a datastructure ( s ) 10 % ) and can move the income level up or down in the representing : accounts receivable / payable ( e . g . , income ) , income tranche based on how much risk is to be taken across debts / loans , derivatives , dividends , equity , ETF , hybrid ( e . g . , 45 the other tranches ) . In another example , the MMACC allows permutations herein ) , indexes , mutual fund , notes , physical adjustment of the tranche size ( e . g . , if you only sell $ 20 of goods / inventory / products / services / etc . , trust , etc . ( hereinaf income out of $ 100 pool , then there is $ 80 in the capital ter " asset " or " assets ” ) , and / or a plurality of assets via an appreciation tranche , and the capital appreciation tranche asset ( e . g . , equity ) portfolio . In one embodiment , the provides a lot of support to cover the $ 20 of income over a MMACC help solve the problem that owners of assets ( e . g . , 50 given period ) . In one embodiment , the CEO may include a equity income products ) may experience , i . e . , where the force majeure trigger option where unforeseen events may market for the equity may move up and down while pro - cause liquidation and variations on the obligation . As such , viding a dividend yield , and that fluctuation is unpalatable to the CEO may establish a pool where a capital appreciation the owner where the value change might be greater than a tranche covers the income tranche and appreciation and more moderate asset such as a bond . The MMACC can take 55 corpus of the capital appreciation tranche . The initial tranche datastructures representing assets , e . g . , an equity portfolio , allocation may vary infinitely , but for example , if there was and rather than take assets ( e . g . , stocks ) and split them up by an income component of guaranteed $ 80 income over a risk ( e . g . , low risk stocks going into an equity income maturity period out of $ 100 , and only $ 20 in the capital portfolio and high risk stocks going into capital appreciation appreciation tranche , such a CEO would be very risky and portfolios ) , instead , the MMACC puts a pool of assets ( e . g . , 60 leveraged as there is not a lot of capital in the capital tranche stocks ) and slices the components of the return of each stock to cover short falls in the income tranche . In one embodi into different stake holders of the pool ( e . g . , rather than take ment , the MMACC charges an administrative fee for estab a stock A and say it is a low risk stock and put it into an lishing pools and tranches within a electronic database / equity income portfolio and the provide the return to an computer account and / or transactions in establishing such equity income investor receiving the total return of stock A , 65 electronic records / accounts and requisite accounts . instead MMACC takes a datastructures representing a port - It should be noted that a number of variations are offered folio of stocks and take provides dividend income for each by the MMACC . MMACC can vary : the Income / G & I /

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capital appreciation income and capital allocations to opti - kers , marketmakers , computerized systems , and / or the like mize risk distribution ; income allocation to optimize income 186a . Users can create MMACC datastructures and accom attractiveness to investors . MMACC offers numerous style panying new asset products , e . g . , users can provide speci spaces : large , mid , small , growth , core , value , international , fications and parameters for such new products such as U . S . , global , etc . MMACC can vary allocations of income 5 collateralized equity obligation datastructure ( CEO ) prod and capital appreciation for negative wealth impactor opti - ucts . mization and it can add an “ alpha ” layer for income or As part of creation of new CEO products , the users may appreciation . In one embodiment , the MMACC may create also specify the CEO ' s constituent slice types ( or inter products with a 5 ( or longer ) year period . This provides changeably slices and / or tranches ) . The CEOs may include brokers with the advantage of making a market with intra - 10 a specification of constituent asset ( s ) / portfolio ( s ) , slice types period as the underlying holdings are liquid and transparent . ( e . g . , income ( e . g . , current yield ) , income ( e . g . , dividend )

Some example product structures offered by the MMACC growth , capital appreciation ( e . g . , corpus / position / principal / include : proceeds / etc . ) , hybrid ( e . g . , growth & income ) , total return ,

Closed End Mutual Fund or U . I . T . With , e . g . , 3 , share etc . ) , asset buyer share specification , asset buyer conditions , classes : A : Income ; B : Growth & Income ; C : Capital Appre - 15 etc . ciation . Alternatively , these may be collapsed into , e . g . , 2 : The asset buyers 187a may be looking to acquire slices of preferred ( income ) and common ( capital appreciation ) . asset pools . The MMACC acts to create CEO products to the

As such , the MMACC may produce Collateralized Equity specifications of users 186a and makes otherwise unavail Obligation ( CEO ) products with the following slices : able asset slice types / tranches available to asset buyers tranche A , Income ; tranche B , Growth & Income ; tranche C , 20 where such products were simply never before available . Capital Appreciation . Alternatively , the CEO may be formed The MMACC may interoperate with market servers and 3rd as an ETF with publically disclosed holdings and AP ' s can party servers 198 ( e . g . , obtaining funds and / or assets from create and redeem . asset buyers to be used to populate and / or instantiate CEOs As such , the MMACC and its CEO datastructure products made by the MMACC 199 ) .

are revolutionary and transform normal asset / equities into 25 As such , users 186a may provide MMACC CEO structure more attractive instruments by slicing up and allocating the parameters 101 via their client devices 186b ( e . g . , app / web return and risk streams . based client with web forms for parameter specification ) .

The client device 1866 may then in turn provide a CEO MMACC datastructure parameter message to the MMACC which will

30 be used by the pool tranche component 141 ( e . g . , see FIG . FIG . 1 shows a datagraph illustrating example embodi - 2a and 2341 of FIG . 23 for more detail ) to create a new CEO

ments of the MMACC . The datagraph shows interactions product and associated tranches . In one embodiment , the between users 186a and their client devices 186b , a client may provide the following example CEO datastruc MMACC server ( s ) 199 , market / 3rd party server ( s ) 198 , and ture parameter message 102 , substantially in the form of a asset buyers 187a and their client devices 187b . In one 35 ( Secure ) Hypertext Transfer Protocol ( " HTTP ( S ) ” ) POST embodiment , the market server 198 may be incorporated message including eXtensible Markup Language ( “ XML " ) into the MMACC itself . Users may be administrators , bro - formatted data , as provided below :

POST / authrequest . php HTTP / 1 . 1 Host : www . server . com Content - Type : Application / XML Content - Length : 667 < ? XML version = " 1 . 0 " encoding = " UTF - 8 " ? > < CEO _ parameter _ message >

< timestamp > 2020 - 12 - 31 23 : 59 : 59 < / timestamp > < user _ accounts _ details >

< user _ account _ credentials > < user _ name > JohnDaDoe Doe Doooe @ gmail . com < / account _ name > < password > abc123 < / password > I / OPTIONAL < cookie > cookieID < / cookie > / / OPTIONAL < digital _ cert _ link > www . mydigitalcertificate . com /

John DoeDaDoe Doe @ gmail . com / mycertifcate . de < / digital _ cert _ link > I / OPTIONAL < digital _ certificate > _ DATA _ < / digital _ certificate >

< / user _ account _ credentials > < / user accounts _ details > < client _ details > / / iOS Client with App and Webkit

< client _ IP > 10 . 0 . 0 . 123 < / client _ IP > < user _ agent _ string > Mozilla / 5 . 0 ( iPhone ; CPU iPhone OS 7 _ 1 _ 1 like Mac

OS X ) AppleWebKit / 537 . 51 . 2 ( KHTML , like Gecko ) Version / 7 . 0 Mobile / 110201 Safari / 9537 . 53 < / user _ agent _ string >

< client _ product _ type > iPhone6 , 1 < / client _ product _ type > < client _ serial _ number > DNXXX1X1XXXX < / client _ serial _ number > < client _ UDID > 3XXXXXXXXXXXXXXXXXXXXXXXXD < / client _ UDID > < client _ OSMOS < / client _ OS > < client _ OS _ version > 7 . 1 . 1 < / client _ OS _ version > < client _ app _ type > app with webkit < / client _ app _ type > < app _ installed _ flag > true < / app _ installed _ flag > < app _ name > MMACC . app < / app _ name > < app _ version > 1 . 0 < / app _ version > < app _ webkit _ name > Mobile Safari < / client _ webkit _ name > < client _ version > 537 . 51 . 2 < / client _ version >

< / client details >

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- continued < client _ details > / / iOS Client with Webbrowser

< client _ IP > 10 . 0 . 0 . 123 < / client _ IP > < user _ agent _ string > Mozilla / 5 . 0 ( iPhone ; CPU iPhone OS 7 _ 1 _ 1 like Mac

OS X ) AppleWebKit / 537 . 51 . 2 ( KHTML , like Gecko ) Version 7 . 0 Mobile / 110201 Safari / 9537 . 53 < / user _ agent _ string >

< client _ product _ type > iPhone6 , 1 < / client _ product _ type > < client _ serial _ number > DNXXX1X1XXXX < / client _ serial _ number > < client _ UDID > 3XXXXXXXXXXXXXXXXXXXXXXXXD < / client _ UDID > < client _ oS > iOS < / client _ oS > < client _ OS _ version > 7 . 1 . 1 < / client _ OS _ version > < client _ app _ type > web browser < / client _ app _ type > < client _ name > Mobile Safari < / client _ name > < client version > 9537 . 53 < / client version >

< / client _ details > < client _ details > / / Android Client with Webbrowser

< client _ IP > 10 . 0 . 0 . 123 < / client _ IP > < user _ agent _ string > Mozilla / 5 . 0 ( Linux ; U ; Android 4 . 0 . 4 ; en - us ; Nexus

S Build / IMM76D ) AppleWebKit / 534 . 30 ( KHTML , like Gecko ) Version 4 . 0 Mobile Safari / 534 . 30 < / user _ agent _ string >

< client _ product _ type > Nexus S < / client _ product _ type > < client _ serial _ number > YXXXXXXXXZ < / client _ serial _ number > < client _ UDID > FXXXXXXXXX - XXXX - XXXX - XXXX - XXXXXXXXXXXXX < / client _ UDID > < client _ OS > Android < / client _ OS > < client _ os _ version > 4 . 0 . 4 < / client _ os _ version > < client _ app _ type > web browser < / client _ app _ type > < client _ name > Mobile Safari < / client _ name > < client _ version > 534 . 30 < / client _ version >

< / client _ details > < client _ details > / / Mac Desktop with Webbrowser

< client IP > 10 . 0 . 0 . 123 < / client IP > < user _ agent _ string > Mozilla / 5 . 0 ( Macintosh ; Intel Mac OS X 10 _ 9 _ 3 )

AppleWebKit / 537 . 75 . 14 ( KHTML , like Gecko ) Version 7 . 0 . 3 Safari / 537 . 75 . 14 < / user _ agent _ string >

< client _ product _ type > MacPro5 , 1 < / client _ product _ type > < client _ serial _ number > YXXXXXXXXZ < / client _ serial _ number > < client _ UDID > FXXXXXXXXX - XXXX - XXXX - XXXX - XXXXXXXXXXXXX < / client _ UDID > < client _ OS > Mac OS X < / client _ OS > < client _ os _ version > 10 . 9 . 3 < / client _ OS _ version > < client _ app _ type > web browser < / client _ app _ type > < client _ name > Mobile Safari < / client _ name > < client _ version > 537 . 75 . 14 < / client _ version >

< / client details > < CEO _ datastructure >

< CEO _ name > myCoolProductName < / CEO _ name > < CEO _ tranchel > l / product parameter dials

< Name > myCoolSafeHighIncomeStreamTranche < / Name > < priority > medium < / priority > < funds Raised > $ 123 < / funds Raised > < FixedYield > . 01 < / FixedYield > < YieldUpside > % ofTheResidualDividendsPaidAnnually < / YieldUpside >

< PrincipalUpside > % of Residual Market Value Of The Portfolio At Maturity < / PrincipalUpside >

< / CEO _ tranchel > < CEO _ tranche2 >

< Name > myCoolGrowth + Income Tranche < / Name >

< CEO _ tranche2 >

Kasset1 > < name > PG < name > < ID > 123abc < / ID < QTY > 100 < / QTY > < InitialCost > $ 23 . 45 < / InitialCost > < CurrentValue > $ 25 . 55 < / CurrentValue > < InitialQuarterly Dividend > $ 0 . 55 < / Initial Quarterly Dividend > < CurrentQuarterly Dividend > $ 0 . 65 < / CurrentQuarterly Dividend > < Purchase Time > 2020 - 12 - 31 : 12 : 59 : 59 < / Purchase Time > < Alpha > 0 . 5 < / Alpha > < Beta > 0 . 6 < / Beta > < Current Yield > 0 . 03 < / Current Yield > < Total Return > . 072345 < / TotalReturn >

Kasset2 > < name > GILD < / name >

< / asset2 >

Kasset3 > < name > BAC < / name >

< / asset3 >

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- continued

< Slice Typel > < Type > Income < / Type > Kasset1 SliceReturn > . 007 < / asset1 Slice Return > Kasset2SliceReturn > . 011 < / asset2 SliceReturn > < asset3SliceReturn > . 015 < / asset3SliceReturn >

< / Slice Typel > < SliceType >

< Type > Growth + Income < / Type > < asset1 SliceReturn > . 007 < / asset1 Slice Return > < asset2SliceReturn > . 011 < / asset2 Slice Return > < asset3SliceReturn > . 015 < / asset3 Slice Return >

< / SliceType > < Type > Capital Appreciation < / Type > < asset1 SliceReturn > . 007 < / asset1 SliceReturn > < asset2SliceReturn > . 011 < / asset2 Slice Return > < asset3SliceReturn > . 015 < / asset3SliceReturn >

< / Slice Type3 > < CEO _ maturity _ date > 2025 - 12 - 31 - 23 : 59 : 59 < / CEO _ maturity _ date > < CEO _ income _ interval > quarterly < / CEO _ income _ interval >

< / CEO _ datastructure > < / CEO _ parameter _ message >

Once the MMACC 199 generates the CEO product data - buyers 187a . At this point , the asset buyers 187a may make structure , the MMACC stores it in its database . Then , the selections of desired CEO products and / or tranches 110 and MMACC may make the CEO and / or its tranches available 25 their client devices 187b will further on an asset tranche to the market via 3rd party servers 198 by sending an asset purchase order 111 back to the tranche asset transact com tranche offer message 104 detailing the types of CEO ponent 142 at the server ( s ) 198 , 199 . The asset tranche tranche products that are available . In one embodiment , the purchase order may include payment credentials ( e . g . , bank asset tranche offer message is the same as the CEO param account , credit card , etc . ) along with desired quintiles of eter message 102 . In one embodiment , the 3rd party server 30 product , and the tranche asset transact component may use

to obtain funds to secure the desired CEO product tranche and / or market servers 198 may be incorporated into the MMACC server 199 ; while in an alternative embodiment , for the asset buyer .

Once the asset buyers acquire the CEO product tranche , while in another embodiment , either the MMACC or the 3rd the MMACC may seek to make distributions according to party / market servers 198 may instantiate and execute the 35 asset buyers ' secured right . The distribute income tranche tranche asset transact component ( e . g . , see FIG . 2b and / or component ( e . g . , see FIG . 2c and / or 2343 of FIG . 23 for 2342 of FIG . 23 for more details ) . As such , the servers 198 , more details ) 143 seek to make payouts to all asset buyers 199 may store the asset tranche offer message 104 in their having an income tranche CEO product ( and / or hybrid / respective databases and make the new CEO product and apportioned product ) . Upon determining distributions , the tranches available for asset buyers 187 to search out such 40 distribute income tranche component 143 will issue an asset for procurement . In one embodiment , asset buyers income distribution message 113 to the tranche asset transact 187a provide criteria via their clients 187b to search for component 142 which may in turn move funds to / from the desired assets employing the 3ra party / market servers 198 asset buyers based on the performance of the CEO product ( e . g . , in one embodiment , the servers are financial institution tranche owned ( e . g . pro - rata share ) by the asset buyers , and equity brokerage systems allowing for asset searches of 45 as such , the asset buyers 187a will obtain an income items in their database systems , which now includes the new distribution message informing them of such distribution CEO products and tranches ) . The asset buyer ' s 187a client 114 . The MMACC server 199 will also seek to distribute devices 187b may further on the search request and criteria capital appreciation via the distribute principal tranche com 107 to the tranche asset transact component running on the ponent 144 ( e . g . , see FIG . 2c and / or 2344 of FIG . 23 for server ( s ) 198 , 199 . An example PHP / SQL listing for que - 50 more details ) , which also compute the appropriate distribu rying a database for a an asset search is below : tion of asset appreciation and issue a principal distribution

message 116 to the tranche asset transact component 142 , similarly causing fund movement and a principal distribu

< ? PHP tion message 117 to the asset buyers 187a . header ( " Content - Type : text / plain ' ) ; mysql _ connect ( “ 254 . 93 . 179 . 112 " , $ DBserver , $ password ) ; / / access ( - 254 . 93 . 179 . 112 ” , $ DBserver , Spassword ) ; / / access 55 55 FIG . 2a shows a logic flow diagram illustrating embodi database server ments of a pool tranche instantiation component for the mysql _ select _ db ( “ Asset . SQL ” ) ; / / select database table to search MMACC . The pool tranche instantiation component 241 l / create query for asset data initializes 202 and may provide a display login / create screen $ query = " SELECT assetName FROM AssetTable WHERE assetID LIKE ' % ' $ 123abc " ; 204 . In one embodiment , an existing asset / brokerage order $ result = mysql _ query ( $ query ) ; / / perform the search query 60 and account system may be modified to allow users 286 to mysql _ close ( “ MMACC . SQL ” ) ; / / close database access create new CEO datastructures and products . In one embodi

ment , the XML fields from the CEO parameter message 102 may be used to generate web form text fields , pop up lists ,

The server may run a database select command on the and / or other widgets for the specification of such parameters search criteria , and when CEO products and tranches are 65 for transfer via HTTPS POST command . Upon logging in selected , the servers will generate an asset search response 204 and supplying parameters for the new CEO product 108 providing a display of matching assets 109 to the asset ( e . g . , via web form with corresponding fields for the param

? >

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30

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eters ) , the client 286 may send the CEO parameter message identified and related assets ( e . g . , assetID ) and adding slice 102 to the MMACC server 299 , and it may determine if such type values to the asset records ( e . g . , sliceIDs ) . An exem a CEO product already exists and if there is enough capacity plary listing , written substantially in the form of PHP / SQL for additional asset buyers for the product 212 . If the product commands , to update the records in the MMACC database , does exist and has enough capacity , the user may be pre - 5 is provided below : sented with a massage for them to confirm 210 that they want to make another CEO product with similar features and < ? PHP give it a new and unique name . Then the MMACC server header ( " Content - Type : text / plain " ) ; 299 may select asset ( s ) to be employed for the new CEO / / Update Assets with related slice IDs product 214 . Then , for each asset 216 , the MMACC will 10 mysql _ connect ( “ 201 . 408 . 185 . 132 ” , $ DBserver , $ password ) ; / / access create a new current yield slice data structure ( e . g . , as database server specified in the CEO parameter message 102 ) 218 . In one mysql _ select ( " MMACC _ DB . SQL " ) ; / / select database to append

mysql _ query ( " UPDATE Asset implementation , after receiving the new CEO parameter SET sliceID = ' myCoolSafeHighIncomeStreamTranche ' , timestamp = message 102 , the MMACC server may parse the message “ 2020 - 02 - 22 and create / update CEO product record tables and associated 15 15 : 22 : 43 slice record tables . An exemplary listing , written substan WHERE username = ' JDoe @ gmail . com ” ” ) ;

mysql _ close ( “ MMACC _ DB . SQL " ) ; / / close connection to database tially in the form of PHP / SQL commands , to update the ? > records in the MMACC database , is provided below : < ? PHP

header ( " Content - Type : text / plain ' ) ; 20 / / Update Slices with related Asset IDs

mysql _ connect ( " 201 . 408 . 185 . 132 " , $ DBserver , $ password ) ; / / access < ? PHP database server header ( " Content - Type : text / plain ' ) ; mysql _ select ( “ MMACC _ DB . SQL ” ) ; / / select database to append / / store input data in a database mysql _ connect ( “ 201 . 408 . 185 . 132 " , $ DBserver , $ password ) ; / / access mysql _ query ( “ UPDATE Slice

SET assetName = ' PG ” , assetID = " 123abc ' , timestamp = “ 2020 - 02 - 22 database server 15 : 22 : 43 mysql _ select ( " MMACC _ DB . SQL ” ) ; / / select database to append WHERE username = “ JDoe @ gmail . com ” ' ) ; mysql _ query ( " UPDATE CEO mysql _ close ( “ MMACC _ DB . SQL ” ) ; / / close connection to database SET CEO _ name = ' myCoolProductName ' , CEO _ tranchelName = ? > ' myCoolSafe HighIncomeStreamTranche ' , Slice Typel = ' Income ' , asset1 SliceType1 Return = " . 007 ' , asset2Slice Type1 Return = " . 011 , asset3SliceType1 Return = . 015 ' , timestamp = ' 2020 - 02 - 22 15 : 22 : 43 ' The MMACC determine if there are more slice types 232 WHERE username = “ JDoe @ gmail . com ” ” ) ; mysql _ close ( “ MMACC _ DB . SQL ” ) ; / / close connection to database 30 and if so it continues to iterate through the slice types 226 , ? > otherwise the CEO datastructure is instantiated 234 . An

exemplary listing , written substantially in the form of PHP / Similarly , the MMACC then creates a new dividend SQL commands , to create / update the records in the

growth slide data structure 220 and then it creates a principal 35 MM MMACC database , is provided below : appreciation slice data structure 222 . It should be noted , that various apportionments may be specified via the CEO < ? PHP parameter datastructure 102 where the current yield , divi header ( " Content - Type : text / plain " ) ; dend growth and / or principal appreciation slices have no / / Create / Update CEO datastructure product with related asset slice IDs value , all the value , and / or any number of permutation in mysql _ connect ( “ 201 . 408 . 185 . 132 ” , $ DBserver , $ password ) ; / / access hybrid values between the slices . It should also be noted that database server

mysql _ select ( " MMACC _ DB . SQL ” ) ; / / select database to append in another embodiment , the hybrids may employ plurality of mysql _ query ( " UPDATE CEO slices ( e . g . , more than 3 ) . The MMACC then determines if SET CEO _ name = ' myCoolProductName ' , CEO _ tranchelName = there are more assets and if so 224 , execution will iterate 216 myCoolSafe HighIncomeStreamTranche ' , SliceTypel = ' Income '

until all assets have been examined 224 . Upon examining all 45 SliceType2 . . . asset2 . . . , timestamp = 2020 - 02 - 22 15 : 22 : 43 sliceID1 = ' 123abc ' , asset1 = ‘ PG ' , asset1ID = “ abc123 ' . . . the assets specified for the new CEO product 224 , the ssets specified for the new CEO product 224 , the WHERE username = ' JDoe @ gmail . com ” ) ; MMACC server 299 will then examine and iterate for each mysql _ close ( “ MMACC _ DB . SQL ” ) ; / / close connection to database

? > slice type specified by the CEO parameter datastructure 102 . For each slice type the MMACC will select all the assets for that slice type . An example PHP / SQL listing for querying a 50 FIG . 2b shows a logic flow diagram illustrating embodi database for a assets for the slice type is below : ments of a tranche asset transact component for the

MMACC . The tranche asset transact component 242 initial izes 202 and may provide a display login / create screen 240 .

< ? PHP As has already been discussed 106 of FIG . 1 , asset buyers header ( " Content - Type : text / plain ' ) ; mysql _ connect ( “ 254 . 93 . 179 . 112 ” , $ DBserver , $ password ) ; / / access 55 287 may provide asset search criteria 245 to search the database server server ( s ) 298 , 299 ( and as has already been noted , the mysql _ select _ db ( “ Asset . SQL ” ) ; / / select database table to search tranche asset transact component may run on either and / or l / create query for asset data $ query = " SELECT sliceID FROM AssetTable WHERE assetID both the MMACC 299 and / or market / 3rd party server ( s ) LIKE ' % ' $ 123abc " ; 298 ) . The search results may be presented to the asset buyers $ result = mysql _ query ( $ query ) ; / / perform the search query 60 247 ( e . g . , CEO product , tranche options , etc . ) for purchase . mysql _ close ( “ MMACC . SQL ” ) ; / / close database access The asset buyer 287 may then select a desired product /

tranche ( e . g . , along with a funding source , constraints and / or conditions , etc . ) 248 and the MMACC server will determine

By selecting all the assets associated with a slice type if the quantities are within the limits / availability of current ( e . g . , sliceID ) , the MMACC may create tranche of that slice 65 CEO product offerings 250 . If not 250 , the server ( s ) may type ( e . g . , see FIG . 10 for more details ) . The slice datastruc - need to purchase additional assets 252 so that the CEO ture may then be updated to be associated with all the product constraints are maintained . Then a purchase of the

? >

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14 CEO product ( e . g . , tranche ) 254 will commence ( e . g . , the and distribute principal tranche component 244 of FIG . 2c server ( s ) may request funds to cover the collateralized may use the following calculations for determining tranche purchase of the tranche 256 ) . If funds are not sufficient 258 , structure over time : an error message and retry option may be presented to the asset buyer 260 and the process may iterate 247 . Once 5 sufficient funds are obtained 258 , the server ( s ) will allocate the collateral CEO tranche record to the asset buyer by updating the slice record with the asset buyer ' s identifier . An exemplary listing , written substantially in the form of PHP / SQL commands , to create / update the records in the 10 MMACC database , is provided below :

M n - 1

m = 1 n = 1

n = 1

mecomens = Minimum ( av . 0 x v . Šiswax bm - tmcomemohon ( Š sw x D m . Š Incomeone x YU ,

ave . Minimumfara . XP - E Mo ) ( ŽSu XP . - Š Mv . m . ) xcus

n - 1

MV = Minimum MVno . Sm X Pmt - MVnnt + m = 1 nn = 1

15 M

Im = 1 nn = 1

0 . Un = 1 ; n = 1 =

? >

m ,

7 . t

< ? PHP header ( " Content - Type : text / plain " ) ; 15 1 / Create / Update CEO datastructure product with asset buyer ' s ID mysql _ connect ( “ 201 . 408 . 185 . 132 " , $ DBserver , $ password ) ; / / access database server mysql _ select ( " MMACC _ DB . SQL " ) ; / / select database to append Subject to : ?YUn = 1 ; ¿ cun = 1 ; tranches are in order of claim mysql _ query ( " UPDATE CEO CUn = 1 ; tranches are in order of claim

SET userID = ' 123 - 45 - 6789 ' , timestamp = ' 2020 - 02 - 22 15 : 22 : 43 20 WHERE sliceID = “ abc123 ” ” ) ; mysql _ close ( “ MMACC _ DB . SQL " ) ; / / close connection to database where the above has the following values :

N = number of tranches ; n = 1 to N T = number of time periods ; t = 1 to T ; t = 0 = initial invest FIG . 2c shows a logic flow diagram illustrating embodi - 25 ment ments of a distribute income tranche and distribute principal M = number of securities in the portfolio ; m = 1 to M tranche components for the MMACC . The tranche asset D = dividends per share , Dm , = security m ' s dividend at transact component 242 initializes 202 and may iterate fore time t

each CEO datastructure record ( e . g . , product ) 266 . For each S = shares held ; Sm = shares held in security m CEO , the MMACC will determine if a threshold time 30 P = price ; P = security m ' s price at time t interval ( e . g . , dynamically , on - demand , periodic ( e . g . , sec Y = yield ; % yield tranche was sold with ond , minute , hour , day , week , month , quarterly , semi / bi YU = yield upside ; % of excess portfolio income any annual , etc . ) , realtime , etc . ) has elapsed 268 and if not , the tranche is entitled to MMACC will continue to iterate 266 . If a threshold interval CU = capital upside ; % of excess portfolio capital any has elapsed for a specific CEO product 266 , 268 , then the 35 tranche is entitled to MMACC will iterate for each CEO product slice and asset MV = market value of a tranche ; MV , buyer 270 . As such , fore each asset buyer ' s tranche 270 , the Income - income paid to each tranche ; Incoment MMACC 299 will then determine the tranche value over We can use the above to drive a ‘ Vintage 2008 ' product time ( e . g . , see FIG . 3 for more calculation details ) and parameter example to see the resulting products . With the update the MMACC database 219 accordingly 272 . There - 40 CEO datastructure having the following values : after if there is maturity due on the asset buyer ' s tranche 274 , the distribute income tranche component 243 will provide ( or request ) funds to cover collateralized performance of the Example product parameters for ‘ 2008 Vintage ' example tranche ( e . g . , pay out income ) 275 and provide notification Underlying Portfolio Large Cap U . S . Stocks of the update 278 ( and tranche iteration will continue if there 45 Number of Tranches 3 : Income , Growth & Income , are more asset buyer slices 282 , 270 , or continue to the next Capital Appreciation CEO product 266 there are no more slices 282 . However , if Maturity date or length 5 Years ( Dec . 31 , 2008 - Dec . 31 , 2013 ) the MMACC server 299 determines there is a maturity due For Each Tranche 274 , then the distribute principal tranche component 244 Funds Raised $ 100 , 000 , 000 x 3 will similarly provide ( or request ) funds to cover collater - 50 Fixed Yield 3 . 1 % / 3 . 1 % / 3 . 1 % alized performance of the tranche ( e . g . , pay out income and Yield upside 0 % / 100 % / 0 % return capital ) 276 and provide notification of the update 278 Priority 1st / 2nd / 3rd

Principal Upside ( and tranche iteration will continue if there are more asset 0 % / 0 % / 100 %

buyer slices 282 , 270 , or continue to the next CEO product 266 there are no more slices 282 . 55 FIG . 4 shows a calculation worksheet illustrating embodi

FIG . 3 shows a datagraph illustrating example embodi - ments of a 2008 vintage CEO datastructure parameters for ments of the MMACC . It is an alternative embodiment to the MMACC . It uses the above parameters showing tranche FIG . 1 and shows multiple asset ( e . g . , tranche ) buyers 1 thru levels , income , market value allocation , portfolio market N 387 may have their funds pooled to buy an initial portfolio value , 5 year returns and annual IRR . 302 . For some term of years 1 thru T , the MMACC will 60 FIG . 5 shows a datagraph companion to the worksheet distribute ( e . g . , dividend ) income to tranches 1 thru N 308 , illustrating embodiments of a 2008 vintage CEO datastruc and then at maturity , the positions will be sold and proceed ture parameters for the MMACC . Three tranches 501 of swill be distributed to the tranches 310 . One can create many $ 100 , 000 , 000 each are pooled into a portfolio on Dec . 31 , CEO datastructure product permutations by manipulating 2008 502 . Each year ' s distribution per tranche 504 is broken the product parameter ‘ dials ’ as specified in the CEO param - 65 down per FIG . 4 ' s worksheet and with totals per year 503 . eter message 102 . The dials vary the structure of the The aggregated total 505 at maturity Dec . 31 , 2013 is further tranches , and the distribute income tranche component 243 broken out to show the income and growth and income

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tranches returned the principal $ 100 , 000 , 000 each 506 , and search , serve , identify , instruct , generate , match , and / or the capital appreciation tranche benefited from growth 507 . facilitate interactions with a computer through information

FIG . 6 shows a graph illustrating embodiments an equity technology technologies , and / or other related data . product line relationship between returns and risk for the Typically , users , which may be people and / or other sys MMACC . FIG . 7 shows a datagraph illustrating funds ' 5 tems , may engage information technology systems ( e . g . , relationship between returns and risk for the MMACC . FIG . computers ) to facilitate information processing . In turn , 8 shows graphs illustrating funds ' performances for the computers employ processors to process information ; such MMACC . FIG . 9 shows graphs illustrating funds ' correlated processors 2303 may be referred to as central processing performances for the MMACC . One may conclude that such units ( CPU ) . One form of processor is referred to as a equity funds have high / similar absolute risk and are highly 10 microprocessor . CPUs use communicative circuits to pass correlated with the S & P and will lose money if the S & P is binary encoded signals acting as instructions to enable down significantly . As such , current equity income funds do various operations . These instructions may be operational not provide principal protection and are too risky to be used and / or data instructions containing and / or referencing other as a bond substitute . instructions and data in various processor accessible and

In contrast , rather than allocate stocks to types of funds , 15 operable areas of memory 2329 ( e . g . , registers , cache the MMACC may allocate a portion of each stock ' s return memory , random access memory , etc . ) . Such communica to different funds . As such , dividend income and the most tive instructions may be stored and / or transmitted in batches principal protection = Income Dividend income and dividend ( e . g . , batches of instructions ) as programs and / or data com growth and some principal protection = Growth and Income . ponents to facilitate desired operations . These stored instruc Also , the MMACC provides possible dividend income and 20 tion codes , e . g . , programs , may engage the CPU circuit all the capital appreciation with the least principal components and other motherboard and / or system compo protection = Capital Appreciation . An example CEO product nents to perform desired operations . One type of program is from the MMACC may illustrate this contrast more effec a computer operating system , which , may be executed by tively . FIGS . 10 - 22 will provide example CEO structures CPU on a computer ; the operating system enables and and show relative performances to such funds . 25 facilitates users to access and operate computer information

FIG . 10 show a datagraphs illustrating a CEO structure for technology and resources . Some resources that may be the MMACC . The CEO includes 3 slices : an income fund employed in information technology systems include : input slice 1001 , growth and income slice 1002 , and a capital and output mechanisms through which data may pass into appreciation slice 1003 . Constituent assets 1004 are com - and out of a computer ; memory storage into which data may pared across a risk spectrum 1005 and returns rates 1006 . 30 be saved ; and processors by which information may be FIG . 11 show a datagraphs illustrating a CEO structure processed . These information technology systems may be values for the MMACC . FIG . 12 show a calculation work - used to collect data for later retrieval , analysis , and manipu sheet actual 1970 CEO structure values for the MMACC . lation , which may be facilitated through a database program . FIGS . 13 - 14 show graphs of a range of outcomes from These information technology systems provide interfaces 1961 - 2008 of average annual returns and volatility for the 35 that allow users to access and operate various system example CEO structure for the MMACC . FIG . 15 shows a components . graph of a range of outcomes from 1961 - 2008 of average In one embodiment , the MMACC controller 2301 may be annual returns and volatility with risk shifted by changing connected to and / or communicate with entities such as , but tranche allocations for the example CEO structure for the not limited to : one or more users from peripheral devices MMACC . FIG . 16 shows a graph of a range of outcomes 40 2312 ( e . g . , user input devices 2311 ) ; an optional crypto from 1961 - 2008 of average 5 year cumulative returns and graphic processor device 2328 ; and / or a communications volatility for the example CEO structure for the MMACC . network 2313 . FIG . 17 shows a graph of a trailing 5 year MMACC tranche Networks are commonly thought to comprise the inter correlations with the S & P 500 for the example CEO struc - connection and interoperation of clients , servers , and inter ture for the MMACC . FIGS . 18 - 19 show graphs of a annual 45 mediary nodes in a graph topology . It should be noted that return and cumulative value of a 2003 - tranche for the the term “ server ” as used throughout this application refers example CEO structure for the MMACC . FIG . 20 shows a generally to a computer , other device , program , or combi block diagram illustrating example tranche outcomes for a nation thereof that processes and responds to the requests of $ 300 M fund with 5 % yield for the example CEO structure remote users across a communications network . Servers for the MMACC . FIG . 21 shows a graph illustrating divi - 50 serve their information to requesting " clients . " The term dends received by tranche vs dividends received in a given “ client ” as used herein refers generally to a computer , year , as an option ( income ) the example CEO structure for program , other device , user and / or combination thereof that the MMACC . FIG . 22 shows a graph illustrating dividends is capable of processing and making requests and obtaining received by tranche vs dividends received in a given year , as and processing any responses from servers across a com an option ( capital ) the example CEO structure for the 55 munications network . A computer , other device , program , or MMACC . FIG . 23 shows a block diagram illustrating combination thereof that facilitates , processes information embodiments of a MMACC controller . APPENDIX 1 illus and requests , and / or furthers the passage of information trates initial purchase embodiments of the MMACC . from a source user to a destination user is commonly APPENDIX 2 illustrates 5 years of dividends embodiments referred to as a “ node . ” Networks are generally thought to of the MMACC . APPENDIX 3 illustrates Dec . 31 , 2013 60 facilitate the transfer of information from source points to liquidation embodiments of the MMACC . destinations . A node specifically tasked with furthering the

passage of information from a source to a destination is MMACC Controller commonly called a " router . ” There are many forms of

networks such as Local Area Networks ( LANs ) , Pico net FIG . 23 shows a block diagram illustrating embodiments 65 works , Wide Area Networks ( WANs ) , Wireless Networks

of a MMACC controller . In this embodiment , the MMACC ( WLANs ) , etc . For example , the Internet is generally controller 2301 may serve to aggregate , process , store , accepted as being an interconnection of a multitude of

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18 networks whereby remote clients and servers may access communications . These communicative instructions may and interoperate with one another . further be transmitted , received , and the cause of return

The MMACC controller 2301 may be based on computer and / or reply communications beyond the instant computer systems that may comprise , but are not limited to , compo systemization to : communications networks , input devices , nents such as : a computer systemization 2302 connected to 5 other computer systemizations , peripheral devices , and / or memory 2329 . the like . It should be understood that in alternative embodi

ments , any of the above components may be connected Computer Systemization directly to one another , connected to the CPU , and / or

organized in numerous variations employed as exemplified A computer systemization 2302 may comprise a clock 10 by various computer systems .

2330 , central processing unit ( " CPU ( s ) ” and / or The CPU comprises at least one high - speed data proces " processor ( s ) ” ( these terms are used interchangeable sor adequate to execute program components for executing throughout the disclosure unless noted to the contrary ) ) user and / or system - generated requests . The CPU is often 2303 , a memory 2329 ( e . g . , a read only memory ( ROM ) packaged in a number of formats varying from large super 2306 , a random access memory ( RAM ) 2305 , etc . ) , and / or 15 computer ( s ) and mainframe ( s ) computers , down to mini an interface bus 2307 , and most frequently , although not computers , servers , desktop computers , laptops , thin clients necessarily , are all interconnected and / or communicating ( e . g . , Chromebooks ) , netbooks , tablets ( e . g . , iPads , Android through a system bus 2304 on one or more ( mother ) board ( s ) and Windows tablets , etc . ) , mobile smartphones ( e . g . , 2302 having conductive and / or otherwise transportive cir - Android , iPhones , Nokia , Palm and Windows phones , etc . ) , cuit pathways through which instructions ( e . g . , binary 20 wearable device ( s ) ( e . g . , watches , glasses , goggles ( e . g . , encoded signals ) may travel to effectuate communications , Google Glass ) , etc . ) , and / or the like . Often , the processors operations , storage , etc . The computer systemization may be themselves will incorporate various specialized processing connected to a power source 2386 , e . g . , optionally the power units , such as , but not limited to : integrated system ( bus ) source may be internal . Optionally , a cryptographic proces controllers , memory management control units , floating sor 2326 may be connected to the system bus . In another 25 point units , and even specialized processing sub - units like embodiment , the cryptographic processor , transceivers ( e . g . , graphics processing units , digital signal processing units , ICs ) 2374 , and / or sensor array ( e . g . , accelerometer , altim - and / or the like . Additionally , processors may include inter eter , ambient light , barometer , global positioning system nal fast access addressable memory , and be capable of ( GPS ) ( thereby allowing MMACC controller to determine mapping and addressing memory 2329 beyond the processor its location ) , gyroscope , magnetometer , pedometer , proxim - 30 itself ; internal memory may include , but is not limited to : ity , ultra - violet sensor , etc . ) 2373 may be connected as either fast registers , various levels of cache memory ( e . g . , level 1 , internal and / or external peripheral devices 2312 via the 2 , 3 , etc . ) , RAM , etc . The processor may access this memory interface bus I / O 2308 ( not pictured ) and / or directly via the through the use of a memory address space that is accessible interface bus 2307 . In turn , the transceivers may be con via instruction address , which the processor can construct nected to antenna ( s ) 2375 , thereby effectuating wireless 35 and decode allowing it to access a circuit path to a specific transmission and reception of various communication and / or memory address space having a memory state . The CPU sensor protocols ; for example the antenna ( s ) may connect to may be a microprocessor such as : AMD ' s Athlon , Duron various transceiver chipsets ( depending on deployment and / or Opteron ; Apple ' s A series of processors ( e . g . , A5 , A6 , needs ) , including : Broadcom BCM4329FKUBG transceiver A7 , A8 , etc . ) ; ARM ' s application , embedded and secure chip ( e . g . , providing 802 . 11n , Bluetooth 2 . 1 + EDR , FM , 40 processors ; IBM and / or Motorola ' s DragonBall and Pow etc . ) ; a Broadcom BCM4752 GPS receiver with accelerom - erPC ; IBM ' s and Sony ' s Cell processor : Intel ' s 80X86 eter , altimeter , GPS , gyroscope , magnetometer ; a Broadcom series ( e . g . , 80386 , 80486 ) , Pentium , Celeron , Core ( 2 ) Duo , BCM4335 transceiver chip ( e . g . , providing 2G , 3G , and 4G i series ( e . g . , i3 , i5 , i7 , etc . ) , Itanium , Xeon , and / or XScale ; long - term evolution ( LTE ) cellular communications ; Motorola ' s 680X0 series ( e . g . , 68020 , 68030 , 68040 , etc . ) ; 802 . 11ac , Bluetooth 4 . 0 low energy ( LE ) ( e . g . , beacon 45 and / or the like processor ( s ) . The CPU interacts with memory features ) ) ; a Broadcom BCM43341 transceiver chip ( e . g . , through instruction passing through conductive and / or trans providing 2G , 3G and 4G LTE cellular communications ; portive conduits ( e . g . , ( printed ) electronic and / or optic cir 802 . 11 g ) , Bluetooth 4 . 0 , near field communication ( NFC ) , cuits ) to execute stored instructions ( i . e . , program code ) FM radio ) ; an Infineon Technologies X - Gold 618 - PMB9800 according to conventional data processing techniques . Such transceiver chip ( e . g . , providing 2G / 3G HSDPA / HSUPA 50 instruction passing facilitates communication within the communications ) ; a MediaTek MT6620 transceiver chip MMACC controller and beyond through various interfaces . ( e . g . , providing 802 . 11a / ac / b / g / n , Bluetooth 4 . 0 LE , FM , Should processing requirements dictate a greater amount GPS ; a Lapis Semiconductor ML8511 UV sensor ; a maxim speed and / or capacity , distributed processors ( e . g . , Distrib integrated MAX44000 ambient light and infrared proximity uted MMACC ) , mainframe , multi - core , parallel , and / or sensor ; a Texas Instruments WiLink WL1283 transceiver 55 super - computer architectures may similarly be employed . chip ( e . g . , providing 802 . 11n , Bluetooth 3 . 0 , FM , GPS ) ; Alternatively , should deployment requirements dictate and / or the like . The system clock typically has a crystal greater portability , smaller Personal Digital Assistants oscillator and generates a base signal through the computer ( PDAs ) may be employed . systemization ' s circuit pathways . The clock is typically Depending on the particular implementation , features of coupled to the system bus and various clock multipliers that 60 the MMACC may be achieved by implementing a micro will increase or decrease the base operating frequency for controller such as CAST ' s R8051XC2 microcontroller ; other components interconnected in the computer system Intel ' s MCS 51 ( i . e . , 8051 microcontroller ) ; and / or the like . ization . The clock and various components in a computer Also , to implement certain features of the MMACC , some systemization drive signals embodying information through - feature implementations may rely on embedded compo out the system . Such transmission and reception of instruc - 65 nents , such as : Application - Specific Integrated Circuit tions embodying information throughout a computer sys - ( “ ASIC ” ) , Digital Signal Processing ( “ DSP " ) , Field Pro temization may be commonly referred to as grammable Gate Array ( “ FPGA ” ) , and / or the like embedded

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19 technology . For example , any of the MMACC component similarly may be connected to the interface bus . The inter collection ( distributed or otherwise ) and / or features may be face bus provides for the communications of interface implemented via the microprocessor and / or via embedded adapters with one another as well as with other components components ; e . g . , via ASIC , coprocessor , DSP , FPGA , and of the computer systemization . Interface adapters are or the like . Alternately , some implementations of the 5 adapted for a compatible interface bus . Interface adapters MMACC may be implemented with embedded components conventionally connect to the interface bus via a slot archi that are configured and used to achieve a variety of features tecture . Conventional slot architectures may be employed , or signal processing . such as , but not limited to : Accelerated Graphics Port

Depending on the particular implementation , the embed - ( AGP ) , Card Bus , ( Extended ) Industry Standard Architec ded components may include software solutions , hardware 10 ture ( ( E ) ISA ) , Micro Channel Architecture ( MCA ) , NuBus , solutions , and / or some combination of both hardware / soft - Peripheral Component Interconnect ( Extended ) ( PCI ( X ) ) , ware solutions . For example , MMACC features discussed PCI Express , Personal Computer Memory Card Interna herein may be achieved through implementing FPGAs , tional Association ( PCMCIA ) , and / or the like . which are a semiconductor devices containing program Storage interfaces 2309 may accept , communicate , and / or mable logic components called “ logic blocks ” , and program - 15 connect to a number of storage devices such as , but not mable interconnects , such as the high performance FPGA limited to : storage devices 2314 , removable disc devices , Virtex series and / or the low cost Spartan series manufac - and / or the like . Storage interfaces may employ connection tured by Xilinx . Logic blocks and interconnects can be protocols such as , but not limited to : ( Ultra ) ( Serial ) programmed by the customer or designer , after the FPGA is Advanced Technology Attachment ( Packet Interface ) ( ( Ul manufactured , to implement any of the MMACC features . A 20 tra ) ( Serial ) ATA ( PI ) ) , ( Enhanced ) Integrated Drive Elec hierarchy of programmable interconnects allow logic blocks tronics ( ( E ) IDE ) , Institute of Electrical and Electronics to be interconnected as needed by the MMACC system Engineers ( IEEE ) 1394 , fiber channel , Small Computer designer / administrator , somewhat like a one - chip program Systems Interface ( SCSI ) , Universal Serial Bus ( USB ) , mable breadboard . An FPGA ' s logic blocks can be pro and / or the like . grammed to perform the operation of basic logic gates such 25 Network interfaces 2310 may accept , communicate , and / as AND , and XOR , or more complex combinational opera - or connect to a communications network 2313 . Through a tors such as decoders or mathematical operations . In most communications network 2313 , the MMACC controller is FPGAs , the logic blocks also include memory elements , accessible through remote clients 2333b ( e . g . , computers which may be circuit flip - flops or more complete blocks of with web browsers ) by users 2333a . Network interfaces may memory . In some circumstances , the MMACC may be 30 employ connection protocols such as , but not limited to : developed on regular FPGAs and then migrated into a fixed direct connect , Ethernet ( thick , thin , twisted pair 10 / 100 / version that more resembles ASIC implementations . Alter 1000 / 10000 Base T , and / or the like ) , Token Ring , wireless nate or coordinating implementations may migrate connection such as IEEE 802 . 11a - x , and / or the like . Should MMACC controller features to a final ASIC instead of or in processing requirements dictate a greater amount speed addition to FPGAs . Depending on the implementation all of 35 and / or capacity , distributed network controllers ( e . g . , Dis the aforementioned embedded components and micropro tributed MMACC ) , architectures may similarly be employed cessors may be considered the “ CPU ” and / or “ processor ” for to pool , load balance , and / or otherwise decrease / increase the the MMACC . communicative bandwidth required by the MMACC con

troller . A communications network may be any one and / or Power Source 40 the combination of the following : a direct interconnection ;

the Internet ; Interplanetary Internet ( e . g . , Coherent File The power source 2386 may be of any standard form for Distribution Protocol ( CFDP ) , Space Communications Pro

powering small electronic circuit board devices such as the tocol Specifications ( SCPS ) , etc . ) ; a Local Area Network following power cells : alkaline , lithium hydride , lithium ion , ( LAN ) ; a Metropolitan Area Network ( MAN ) ; an Operating lithium polymer , nickel cadmium , solar cells , and / or the like . 45 Missions as Nodes on the Internet ( OMNI ) ; a secured Other types of AC or DC power sources may be used as well . custom connection ; a Wide Area Network ( WAN ) ; a wire In the case of solar cells , in one embodiment , the case less network ( e . g . , employing protocols such as , but not provides an aperture through which the solar cell may limited to a cellular , WiFi , Wireless Application Protocol capture photonic energy . The power cell 2386 is connected ( WAP ) , I - mode , and / or the like ) ; and / or the like . A network to at least one of the interconnected subsequent components 50 interface may be regarded as a specialized form of an input of the MMACC thereby providing an electric current to all output interface . Further , multiple network interfaces 2310 subsequent components . In one example , the power source may be used to engage with various communications net 2386 is connected to the system bus component 2304 . In an work types 2313 . For example , multiple network interfaces alternative embodiment , an outside power source 2386 is may be employed to allow for the communication over provided through a connection across the I / O 2308 interface . 55 broadcast , multicast , and / or unicast networks . For example , a USB and / or IEEE 1394 connection carries Input Output interfaces ( I / O ) 2308 may accept , commu both data and power across the connection and is therefore nicate , and / or connect to user , peripheral devices 2312 ( e . g . , a suitable source of power . input devices 2311 ) , cryptographic processor devices 2328 ,

and / or the like . I / O may employ connection protocols such Interface Adapters 60 as , but not limited to : audio : analog , digital , monaural , RCA ,

stereo , and / or the like ; data : Apple Desktop Bus ( ADB ) , Interface bus ( ses ) 2307 may accept , connect , and / or com - IEEE 1394a - b , serial , universal serial bus ( USB ) ; infrared ;

municate to a number of interface adapters , conventionally joystick ; keyboard ; midi ; optical ; PC AT ; PS / 2 ; parallel ; although not necessarily in the form of adapter cards , such radio ; touch interfaces : capacitive , optical , resistive , etc . as but not limited to : input output interfaces ( I / O ) 2308 , 65 displays ; video interface : Apple Desktop Connector ( ADC ) , storage interfaces 2309 , network interfaces 2310 , and / or the BNC , coaxial , component , composite , digital , Digital Visual like . Optionally , cryptographic processor interfaces 2327 Interface ( DVI ) , ( mini ) displayport , high - definition multi

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media interface ( HDMI ) , RCA , RF antennae , S - Video , may also be used . Other commercially available specialized VGA , and / or the like ; wireless transceivers : 802 . 11a / ac / b / cryptographic processors include : Broadcom ' s CryptoNetX g / n / x ; Bluetooth ; cellular ( e . g . , code division multiple access and other Security Processors ; nCipher ' s nShield ; SafeNet ' s ( CDMA ) , high speed packet access ( HSPA ( + ) ) , high - speed Luna PCI ( e . g . , 7100 ) series ; Semaphore Communications ' downlink packet access ( HSDPA ) , global system for mobile 5 40 MHz Roadrunner 184 ; Sun ' s Cryptographic Accelerators communications ( GSM ) , long term evolution ( LTE ) , ( e . g . , Accelerator 6000 PCIe Board , Accelerator 500 Daugh WiMax , etc . ) ; and / or the like . One typical output device may tercard ) ; Via Nano Processor ( e . g . , L2100 , L2200 , U2400 ) include a video display , which typically comprises a Cath line , which is capable of performing 500 + MB / s of crypto ode Ray Tube ( CRT ) or Liquid Crystal Display ( LCD ) based graphic instructions ; VLSI Technology ' s 33 MHz 6868 ; monitor with an interface ( e . g . , DVI circuitry and cable ) that 10 and / or the like . accepts signals from a video interface , may be used . The video interface composites information generated by a com Memory puter systemization and generates video signals based on the composited information in a video memory frame . Another Generally , any mechanization and / or embodiment allow output device is a television set , which accepts signals from 15 ing a processor to affect the storage and / or retrieval of a video interface . Typically , the video interface provides the information is regarded as memory 2329 . However , memory composited video information through a video connection is a fungible technology and resource , thus , any number of interface that accepts a video display interface ( e . g . , an RCA memory embodiments may be employed in lieu of or in composite video connector accepting an RCA composite concert with one another . It is to be understood that the video cable ; a DVI connector accepting a DVI display cable , 20 MMACC controller and / or a computer systemization may etc . ) . employ various forms of memory 2329 . For example , a

Peripheral devices 2312 may be connected and / or com computer systemization may be configured wherein the municate to I / O and / or other facilities of the like such as operation of on - chip CPU memory ( e . g . , registers ) , RAM , network interfaces , storage interfaces , directly to the inter - ROM , and any other storage devices are provided by a paper face bus , system bus , the CPU , and / or the like . Peripheral 25 punch tape or paper punch card mechanism ; however , such devices may be external , internal and / or part of the MMACC an embodiment would result in an extremely slow rate of controller . Peripheral devices may include : antenna , audio operation . In a typical configuration , memory 2329 will devices ( e . g . , line - in , line - out , microphone input , speakers , include ROM 2306 , RAM 2305 , and a storage device 2314 . etc . ) , cameras ( e . g . , gesture ( e . g . , Microsoft Kinect ) detec A storage device 2314 may be any conventional computer tion , motion detection , still , video , webcam , etc . ) , dongles 30 system storage . Storage devices may include : an array of ( e . g . , for copy protection , ensuring secure transactions with devices ( e . g . , Redundant Array of Independent Disks a digital signature , and / or the like ) , external processors ( for ( RAID ) ) ; a drum ; a ( fixed and / or removable ) magnetic disk added capabilities ; e . g . , crypto devices 528 ) , force - feedback drive ; a magneto - optical drive ; an optical drive ( i . e . , Blu devices ( e . g . , vibrating motors ) , infrared ( IR ) transceiver , eray , CD ROM / RANI / Recordable ( R ) / ReWritable ( RW ) , network interfaces , printers , scanners , sensors / sensor arrays 35 DVD R / RW , HD DVD R / RW etc . ) ; RAM drives ; solid state and peripheral extensions ( e . g . , ambient light , GPS , gyro memory devices ( USB memory , solid state drives ( SSD ) , scopes , proximity , temperature , etc . ) , storage devices , trans etc . ) ; other processor - readable storage mediums ; and / or ceivers ( e . g . , cellular , GPS , etc . ) , video devices ( e . g . , other devices of the like . Thus , a computer systemization goggles , monitors , etc . ) , video sources , visors , and / or the generally requires and makes use of memory . like . Peripheral devices often include types of input devices 40 ( e . g . , cameras ) . Component Collection

User input devices 2311 often are a type of peripheral device 512 ( see above ) and may include : card readers , The memory 2329 may contain a collection of program dongles , finger print readers , gloves , graphics tablets , joy - and / or database components and / or data such as , but not sticks , keyboards , microphones , mouse ( mice ) , remote con - 45 limited to : operating system component ( s ) 2315 ( operating trols , security / biometric devices ( e . g . , fingerprint reader , iris system ) ; information server component ( s ) 2316 ( informa reader , retina reader , etc . ) , touch screens ( e . g . , capacitive , tion server ) ; user interface component ( s ) 2317 ( user inter resistive , etc . ) , trackballs , trackpads , styluses , and / or the face ) ; Web browser component ( s ) 2318 ( Web browser ) ; like . database ( s ) 2319 ; mail server component ( s ) 2321 ; mail

It should be noted that although user input devices and 50 client component ( s ) 2322 ; cryptographic server peripheral devices may be employed , the MMACC control - component ( s ) 2320 ( cryptographic server ) ; the MMACC ler may be embodied as an embedded , dedicated , and / or component ( s ) 2335 ; and / or the like ( i . e . , collectively a monitor - less ( i . e . , headless ) device , wherein access would be component collection ) . These components may be stored provided over a network interface connection . and accessed from the storage devices and / or from storage

Cryptographic units such as , but not limited to , micro - 55 devices accessible through an interface bus . Although non controllers , processors 2326 , interfaces 2327 , and / or devices conventional program components such as those in the 2328 may be attached , and / or communicate with the component collection , typically , are stored in a local storage MMACC controller . A MC68HC16 microcontroller , manu - device 2314 , they may also be loaded and / or stored in factured by Motorola Inc . , may be used for and / or within memory such as : peripheral devices , RAM , remote storage cryptographic units . The MC68HC16 microcontroller uti - 60 facilities through a communications network , ROM , various lizes a 16 - bit multiply - and - accumulate instruction in the 16 forms of memory , and / or the like . MHz configuration and requires less than one second to perform a 512 - bit RSA private key operation . Cryptographic Operating System units support the authentication of communications from interacting agents , as well as allowing for anonymous trans - 65 The operating system component 2315 is an executable actions . Cryptographic units may also be configured as part program component facilitating the operation of the of the CPU . Equivalent microcontrollers and / or processors MMACC controller . Typically , the operating system facili

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24 tates access of I / O , network interfaces , peripheral devices , like . The information server provides results in the form of storage devices , and / or the like . The operating system may Web pages to Web browsers , and allows for the manipulated be a highly fault tolerant , scalable , and secure system such generation of the Web pages through interaction with other as : Apple ' s Macintosh OS X ( Server ) ; AT & T Plan 9 ; Be OS ; program components . After a Domain Name System ( DNS ) Google ' s Chrome ; Microsoft ' s Windows 7 / 8 ; Unix and 5 resolution portion of an HTTP request is resolved to a Unix - like system distributions ( such as AT & T ' s UNIX ; particular information server , the information server Berkley Software Distribution ( BSD ) variations such as resolves requests for information at specified locations on FreeBSD , NetBSD , OpenBSD , and / or the like ; Linux dis - the MMACC controller based on the remainder of the HTTP tributions such as Red Hat , Ubuntu , and / or the like ) ; and / or request . For example , a request such as http : / / the like operating systems . However , more limited and / or 10 123 . 124 . 125 . 126 / my Information . html might have the IP less secure operating systems also may be employed such as portion of the request “ 123 . 124 . 125 . 126 ” resolved by a DNS Apple Macintosh OS , IBM OS / 2 , Microsoft DOS , Microsoft server to an information server at that IP address ; that Windows 2000 / 2003 / 3 . 1 / 95 / 98 / CE / Millenium / Mobile / NT / information server might in turn further parse the http Vista / XP ( Server ) , Palm OS , and / or the like . Additionally , request for the “ / myInformation . html " portion of the request for robust mobile deployment applications , mobile operating 15 and resolve it to a location in memory containing the systems may be used , such as : Apple ' s iOS ; China Operating information “ my Information . html . ” Additionally , other System COS ; Google ' s Android ; Microsoft Windows information serving protocols may be employed across RT / Phone ; Palm ' s WebOS ; Samsung / Intel ' s Tizen ; and / or various ports , e . g . , FTP communications across port 21 , the like . An operating system may communicate to and / or and / or the like . An information server may communicate to with other components in a component collection , including 20 and / or with other components in a component collection , itself , and / or the like . Most frequently , the operating system including itself , and / or facilities of the like . Most frequently , communicates with other program components , user inter - the information server communicates with the MMACO faces , and / or the like . For example , the operating system database 2319 , operating systems , other program compo may contain , communicate , generate , obtain , and / or provide nents , user interfaces , Web browsers , and / or the like . program component , system , user , and / or data communica - 25 Access to the MMACC database may be achieved tions , requests , and / or responses . The operating system , through a number of database bridge mechanisms such as once executed by the CPU , may enable the interaction with through scripting languages as enumerated below ( e . g . , communications networks , data , 1 / 0 , peripheral devices , CGI ) and through inter - application communication channels program components , memory , user input devices , and / or as enumerated below ( e . g . , CORBA , WebObjects , etc . ) . Any the like . The operating system may provide communications 30 data requests through a Web browser are parsed through the protocols that allow the MMACC controller to communicate bridge mechanism into appropriate grammars as required by with other entities through a communications network 2313 . the MMACC . In one embodiment , the information server Various communication protocols may be used by the would provide a Web form accessible by a Web browser . MMACC controller as a subcarrier transport mechanism for Entries made into supplied fields in the Web form are tagged interaction , such as , but not limited to : multicast , TCP / IP , 35 as having been entered into the particular fields , and parsed UDP , unicast , and / or the like . as such . The entered terms are then passed along with the

field tags , which act to instruct the parser to generate queries Information Server directed to appropriate tables and / or fields . In one embodi

ment , the parser may generate queries in standard SQL by An information server component 2316 is a stored pro - 40 instantiating a search string with the proper join / select

gram component that is executed by a CPU . The information commands based on the tagged text entries , wherein the server may be a conventional Internet information server resulting command is provided over the bridge mechanism such as , but not limited to Apache Software Foundation ' s to the MMACC as a query . Upon generating query results Apache , Microsoft ' s Internet Information Server , and / or the from the query , the results are passed over the bridge like . The information server may allow for the execution of 45 mechanism , and may be parsed for formatting and genera program components through facilities such as Active tion of a new results Web page by the bridge mechanism . Server Page ( ASP ) , ActiveX , ( ANSI ) ( Objective - ) C ( + + ) , Such a new results Web page is then provided to the C # and / or . NET , Common Gateway Interface ( CGI ) scripts , information server , which may supply it to the requesting dynamic ( D ) hypertext markup language ( HTML ) , FLASH , Web browser . Java , JavaScript , Practical Extraction Report Language 50 Also , an information server may contain , communicate , ( PERL ) , Hypertext Pre - Processor ( PHP ) , pipes , Python , generate , obtain , and / or provide program component , sys wireless application protocol ( WAP ) , WebObjects , and / or tem , user , and / or data communications , requests , and / or the like . The information server may support secure com - responses . munications protocols such as , but not limited to , File Transfer Protocol ( FTP ) ; HyperText Transfer Protocol 55 User Interface ( HTTP ) ; Secure Hypertext Transfer Protocol ( HTTPS ) , Secure Socket Layer ( SSL ) , messaging protocols ( e . g . , Computer interfaces in some respects are similar to auto America Online ( AOL ) Instant Messenger ( AIM ) , Applica - mobile operation interfaces . Automobile operation interface tion Exchange ( APEX ) , ICQ , Internet Relay Chat ( IRC ) , elements such as steering wheels , gearshifts , and speedom Microsoft Network ( MSN ) Messenger Service , Presence 60 eters facilitate the access , operation , and display of automo and Instant Messaging Protocol ( PRIM ) , Internet Engineer - bile resources , and status . Computer interaction interface ing Task Force ' s ( IETF ' s ) Session Initiation Protocol ( SIP ) , elements such as check boxes , cursors , menus , scrollers , and SIP for Instant Messaging and Presence Leveraging Exten - windows ( collectively and commonly referred to as widgets ) sions ( SIMPLE ) , open XML - based Extensible Messaging similarly facilitate the access , capabilities , operation , and and Presence Protocol ( XMPP ) ( i . e . , Jabber or Open Mobile 65 display of data and computer hardware and operating system Alliance ' s ( OMA ' s ) Instant Messaging and Presence Ser resources , and status . Operation interfaces are commonly vice ( IMPS ) ) , Yahoo ! Instant Messenger Service , and / or the called user interfaces . Graphical user interfaces ( GUI ) such

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nd / or 30

US 9 , 818 , 156 B2 26

as the Apple ' s iOS , Macintosh Operating System ' s Aqua ; may be a conventional Internet mail server such as , but not IBM ' s OS / 2 ; Google ' s Chrome ; Microsoft ' s Windows var - limited to : dovecot , Courier IMAP , Cyrus IMAP , Maildir , ied UIs 2000 / 2003 / 3 . 1 / 95 / 98 / CE / Millenium / Mobile / NT / Microsoft Exchange , sendmail , and / or the like . The mail Vista / XP ( Server ) ( i . e . , Aero , Surface , etc . ) ; Unix ' s X - Win server may allow for the execution of program components dows ( e . g . , which may include additional Unix graphic 5 th Unix _ graphic 5 through facilities such as ASP , ActiveX , ( ANSI ) ( Objec interface libraries and layers such as K Desktop Environ tive - ) C ( + + ) , C # and / or . NET , CGI scripts , Java , JavaScript , ment ( KDE ) , myth TV and GNU Network Object Model PERL , PHP , pipes , Python , WebObjects , and / or the like . The Environment ( GNOME ) ) , web interface libraries ( e . g . , ActiveX , AJAX , ( D ) HTML , FLASH , Java , JavaScript , etc . mail server may support communications protocols such as , interface libraries such as , but not limited to , Dojo , jQuery but not limited to : Internet message access protocol ( IMAP ) , ( UI ) , MooTools , Prototype , script . aculo . us , SWFObject , 10 Messaging Application Programming Interface ( MAPI ) / Mi Yahoo ! User Interface , any of which may be used and ) crosoft Exchange , post office protocol ( POP3 ) , simple mail provide a baseline and means of accessing and displaying transfer protocol ( SMTP ) , and / or the like . The mail server information graphically to users . can route , forward , and process incoming and outgoing mail

A user interface component 2317 is a stored program messages that have been sent , relayed and / or otherwise component that is executed by a CPU . The user interface 15 traversing through and / or to the MMACC . Alternatively , the may be a conventional graphic user interface as provided by , mail server component may be distributed out to mail with , and / or atop operating systems and / or operating envi - service providing entities such as Google ' s cloud services ronments such as already discussed . The user interface may ( e . g . , Gmail and notifications may alternatively be provided allow for the display , execution , interaction , manipulation , via messenger services such as AOL ' s Instant Messenger , and / or operation of program components and / or system 20 Apple ' s iMessage , Google Messenger , SnapChat , etc . ) . facilities through textual and / or graphical facilities . The user Access to the MMACC mail may be achieved through a interface provides a facility through which users may affect , number of APIs offered by the individual Web server com interact , and / or operate a computer system . A user interface ponents and / or the operating system . may communicate to and / or with other components in a Also , a mail server may contain , communicate , generate , component collection , including itself , and / or facilities of 25 25 obtain , and / or provide program component , system , user , the like . Most frequently , the user interface communicates and / or data communications , requests , information , and / or with operating systems , other program components , and / or the like . The user interface may contain , communicate , responses . generate , obtain , and / or provide program component , sys

Mail Client tem , user , and / or data communications , requests , and / or responses .

A mail client component 2322 is a stored program com Web Browser ponent that is executed by a CPU 2303 . The mail client may

be a conventional mail viewing application such as Apple A Web browser component 2318 is a stored program Mail , Microsoft Entourage , Microsoft Outlook , Microsoft

component that is executed by a CPU . The Web browser 35 Outlook Express , Mozilla , Thunderbird , and / or the like . may be a conventional hypertext viewing application such as Mail clients may support a number of transfer protocols , Apple ' s ( mobile ) Safari , Google ' s Chrome , Microsoft Inter such as : IMAP , Microsoft Exchange , POP3 , SMTP , and / or net Explorer , Mozilla ' s Firefox , Netscape Navigator , and / or the like . A mail client may communicate to and / or with other the like . Secure Web browsing may be supplied with 128 bit components in a component collection , including itself , ( or greater ) encryption by way of HTTPS , SSL , and / or the 40 and / or facilities of the like . Most frequently , the mail client like . Web browsers allowing for the execution of program communicates with mail servers , operating systems , other components through facilities such as ActiveX , AJAX , mail clients , and / or the like ; e . g . , it may contain , commu ( D ) HTML , FLASH , Java , JavaScript , web browser plug - in nicate , generate , obtain , and / or provide program component , APIs ( e . g . , FireFox , Safari Plug - in , and / or the like APIs ) , system , user , and / or data communications , requests , infor and / or the like . Web browsers and like information access 45 mation , and / or responses . Generally , the mail client provides tools may be integrated into PDAs , cellular telephones , a facility to compose and transmit electronic mail messages . and / or other mobile devices . A Web browser may commu nicate to and / or with other components in a component Cryptographic Server collection , including itself , and / or facilities of the like . Most frequently , the Web browser communicates with information 50 A cryptographic server component 2320 is a stored pro servers , operating systems , integrated program components gram component that is executed by a CPU 2303 , crypto ( e . g . , plug - ins ) , and / or the like ; e . g . , it may contain , com - graphic processor 2326 , cryptographic processor interface municate , generate , obtain , and / or provide program compo 2327 , cryptographic processor device 2328 , and / or the like . nent , system , user , and / or data communications , requests , Cryptographic processor interfaces will allow for expedition and / or responses . Also , in place of a Web browser and 55 of encryption and / or decryption requests by the crypto information server , a combined application may be devel - graphic component ; however , the cryptographic component , oped to perform similar operations of both . The combined alternatively , may run on a conventional CPU . The crypto application would similarly affect the obtaining and the graphic component allows for the encryption and / or decryp provision of information to users , user agents , and / or the like tion of provided data . The cryptographic component allows from the MMACC enabled nodes . The combined applica - 60 for both symmetric and asymmetric ( e . g . , Pretty Good tion may be nugatory on systems employing standard Web Protection ( PGP ) ) encryption and / or decryption . The cryp browsers . tographic component may employ cryptographic techniques

such as , but not limited to : digital certificates ( e . g . , X . 509 Mail Server authentication framework ) , digital signatures , dual signa

65 tures , enveloping , password access protection , public key A mail server component 2321 is a stored program management , and / or the like . The cryptographic component

component that is executed by a CPU 2303 . The mail server will facilitate numerous ( encryption and / or decryption )

Moi

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security protocols such as , but not limited to : checksum , XML ) , table , and / or the like . Such data - structures may be Data Encryption Standard ( DES ) , Elliptical Curve Encryp stored in memory and / or in ( structured ) files . In another tion ( ECC ) , International Data Encryption Algorithm alternative , an object - oriented database may be used , such as ( IDEA ) , Message Digest 5 ( MD5 , which is a one way hash Frontier , ObjectStore , Poet , Zope , and / or the like . Object operation ) , passwords , Rivest Cipher ( RC5 ) , Rijndael , RSA 5 databases can include a number of object collections that are ( which is an Internet encryption and authentication system grouped and / or linked together by common attributes ; they that uses an algorithm developed in 1977 by Ron Rivest , Adi may be related to other object collections by some common Shamir , and Leonard Adleman ) , Secure Hash Algorithm attributes . Object - oriented databases perform similarly to ( SHA ) , Secure Socket Layer ( SSL ) , Secure Hypertext Trans - relational databases with the exception that objects are not fer Protocol ( HTTPS ) , Transport Layer Security ( TLS ) , 10 just pieces of data but may have other types of capabilities and / or the like . Employing such encryption security proto - encapsulated within a given object . If the MMACC database cols , the MMACC may encrypt all incoming and / or outgo is implemented as a data - structure , the use of the MMACC ing communications and may serve as node within a virtual database 2319 may be integrated into another component private network ( VPN ) with a wider communications net such as the MMACC component 2335 . Also , the database work . The cryptographic component facilitates the process 15 may be implemented as a mix of data structures , objects , and of “ security authorization ” whereby access to a resource is relational structures . Databases may be consolidated and / or inhibited by a security protocol wherein the cryptographic distributed in countless variations through standard data component effects authorized access to the secured resource . processing techniques . Portions of databases , e . g . , tables , In addition , the cryptographic component may provide may be exported and / or imported and thus decentralized unique identifiers of content , e . g . , employing and MD5 hash 20 and / or integrated . to obtain a unique signature for an digital audio file . A In one embodiment , the database component 2319 cryptographic component may communicate to and / or with includes several tables 2319a - z : other components in a component collection , including An accounts table 2319a includes fields such as , but not itself , and / or facilities of the like . The cryptographic com limited to : an accountID , accountOwnerID , accountContac ponent supports encryption schemes allowing for the secure 25 ID , assetIDs , deviceIDs , paymentIDs , transactionIDs , use transmission of information across a communications net rIDs , CEO _ ID , SliceTypeID , account Type ( e . g . , agent , work to enable the MMACC component to engage in secure entity ( e . g . , corporate , non - profit , partnership , etc . ) , indi transactions if so desired . The cryptographic component vidual , etc . ) , accountCreationDate , accountUpdateDate , facilitates the secure accessing of resources on the MMACC accountName , accountNumber , routingNumber , link Wal and facilitates the access of secured resources on remote 30 letsID , accountPrioritAccaountRatio , accountAddress , systems ; i . e . , it may act as a client and / or server of secured accountState , account ZIPcode , accountCountry , accountE resources . Most frequently , the cryptographic component mail , accountPhone , accountAuthKey , accountIPaddress , communicates with information servers , operating systems , accountURLAccessCode , accountPortNo , accountAuthori other program components , and / or the like . The crypto zationCode , accountAccessPrivileges , accountPreferences , graphic component may contain , communicate , generate , 35 accountRestrictions , and / or the like ; obtain , and / or provide program component , system , user , A users table 2319b includes fields such as , but not limited and / or data communications , requests , and / or responses . to : a userID , userSSN , taxID , userContactID , accountID ,

assetIDs , deviceIDs , paymentIDs , transactionIDs , CEO _ ID , The MMACC Database SliceTypeID , userType ( e . g . , MMACC product user , asset

40 buyer , agent , entity ( e . g . , corporate , non - profit , partnership , The MMACC database component 2319 may be embod - etc . ) , individual , etc . ) , namePrefix , firstName , middleName ,

ied in a database and its stored data . The database is a stored lastName , nameSuffix , DateOfBirth , userAge , userName , program component , which is executed by the CPU ; the userEmail , userSocial AccountID , contactType , contactRela stored program component portion configuring the CPU to tionship , userPhone , userAddress , userCity , userState , user process the stored data . The database may be a conventional , 45 ZIP Code , userCountry , userAuthorizationCode , user Access fault tolerant , relational , scalable , secure database such as Privilges , userPreferences , userRestrictions , and / or the like MySQL , Oracle , Sybase , etc . may be used . Additionally , ( the user table may support and / or track multiple entity optimized fast memory and distributed databases such as accounts on a MMACC ) ; IBM ' s Netezza , MongoDB ' s MongoDB , opensource An devices table 2319c includes fields such as , but not Hadoop , opensource VoltDB , SAP ' s Hana , etc . Relational 50 limited to : deviceID , sensorIDs , accountID , assetIDs , pay databases are an extension of a flat file . Relational databases mentIDs , deviceType , deviceName , device Manufacturer , consist of a series of related tables . The tables are intercon deviceModel , deviceVersion , deviceSerialNo , deviceIPad nected via a key field . Use of the key field allows the dress , device MACaddress , device _ ECID , deviceUUID , combination of the tables by indexing against the key field ; device Location , deviceCertificate , deviceOS , applDs , i . e . , the key fields act as dimensional pivot points for 55 deviceResources , deviceSession , authKey , deviceSe combining information from various tables . Relationships cureKey , walletAppinstalled Flag , deviceAccessPrivileges , generally identify links maintained between tables by devicePreferences , deviceRestrictions , hardware _ config , matching primary keys . Primary keys represent fields that software _ config , storage _ location , sensor _ value , pin _ read uniquely identify the rows of a table in a relational database . ing , data _ length , channel _ requirement , sensor _ name , sen Alternative key fields may be used from any of the fields 60 sor _ model _ no , sensor _ manufacturer , sensor _ type , sen having unique value sets , and in some alternatives , even sor _ serial _ number , sensor _ power _ requirement , device _ non - unique values in combinations with other fields . More power _ requirement , location , sensor _ associated _ tool , sen precisely , they uniquely identify rows of a table on the " one " sor _ dimensions , device _ dimensions , power _ condition , tem side of a one - to - many relationship . perature _ setting , speed _ adjust , hold _ duration , part _ actua

Alternatively , the MMACC database may be imple - 65 tion , and / or the like . Device table may , in some mented using various standard data - structures , such as an embodiments , include fields corresponding to one or more array , hash , ( linked ) list , struct , structured text file ( e . g . , Bluetooth profiles , such as those published at https : / / www

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30 . bluetooth . org / en - us / specification / adopted - specifications , through Microsoft ' s Active Template Library and Dealing and / or other device specifications , and / or the like ; Object Technology ' s real - time toolkit Rtt . Multi . An apps table 2319d includes fields such as , but not In one embodiment , the MMACC database may interact

limited to : appID , appName , appType , appDependencies , with other database systems . For example , employing a accountID , deviceIDs , transactionID , userID , appStoreAu - 5 distributed database system , queries and data access by thKey , appStore Account ID , appStoreIPaddress , app search MMACC component may treat the combination of StoreURLaccessCode , appStorePortNo , appAccessPrivi the MMACC database , an integrated data security layer leges , appPreferences , appRestrictions , portNum , database as a single database entity . access _ API _ call , linked _ wallets _ list , and / or the like ; In one embodiment , user programs may contain various

An assets table 2319e includes fields such as , but not but not 10 user interface primitives , which may serve to update the limited to : assetID , accountID , userID , distributorAccoun MMACC . Also , various accounts may require custom data tID , distributorPaymentID , distributorOnwerID , CEO _ ID , base tables depending upon the environments and the types

of clients the MMACC may need to serve . It should be noted SliceTypeID , assetType , assetName , assetCode , assetQuan that any unique fields may be designated as a key field tity , assetCost , assetPrice , assetManufactuer , assetModelNo , 100NO , 15 throughout . In an alternative embodiment , these tables have assetSerialNo , assetLocation , assetAddress , assetState , been decentralized into their own databases and their respec asset ZIPcode , assetState , assetCountry , assetEmail , assetI tive database controllers ( i . e . , individual database controllers Paddress , assetURLaccessCode , assetOwnerAccountID , for each of the above tables ) . Employing standard data subscriptionIDs , assetAuthroizationCode , assetAccessPrivi processing techniques , one may further distribute the data leges , assetPreferences , assetRestrictions , assetConditions , 20 bases over several computer systemizations and / or storage initialCost , currentValue , initialQuarterly Dividend , current devices . Similarly , configurations of the decentralized data QuarterlyDividend , purchaseTime , alpha , beta , curren base controllers may be varied by consolidating and / or tYield , totalReturn , and / or the like ; distributing the various database components 2319a - z . The

A payments table 2319f includes fields such as , but not MMACC may be configured to keep track of various limited to : paymentID , accountID , userID , CEO _ ID , Slice - 25 settings , inputs , and parameters via database controllers . TypeID , paymentType , paymentAccountNo , paymentAc - The MMACC database may communicate to and / or with countName , paymentAccountAuthorizationCodes , paymen - other components in a component collection , including tExpirationDate , paymentCCV , paymentRoutingNo , itself , and / or facilities of the like . Most frequently , the paymentRouting Type , paymentAddress , paymentState , pay MMACC database communicates with the MMACC com mentZIPcode , paymentCountry , paymentEmail , payment - 30 ponent , other program components , and / or the like . The AuthKey , payment / Paddress , paymentURLaccessCode , database may contain , retain , and provide information paymentPortNo , paymentAccessPrivileges , paymentPrefer - regarding other nodes and data . ences , payementRestrictions , and / or the like ; An transactions table 2319g includes fields such as , but The MMACCs

not limited to : transactionID , accountID , assetIDs , device - 35 IDs , paymentIDs , transactionIDs , userID , merchantID , The MMACC component 2335 is a stored program com CEO _ ID , SliceTypeID , transaction Type , transactionDate , ponent that is executed by a CPU . In one embodiment , the transaction Time , transactionAmount , transactionQuantity , MMACC component incorporates any and / or all combina transaction Details , products List , productType , productTitle , tions of the aspects of the MMACC that was discussed in the products Summary , productParams List , transactionNo , 40 previous figures . As such , the MMACC affects accessing , transactionAccessPrivileges , transactionPreferences , trans obtaining and the provision of information , services , trans actionRestrictions , merchantAuthKey , merchantAuthCode , actions , and / or the like across various communications and / or the like ; networks . The features and embodiments of the MMACC An merchants table 2319h includes fields such as , but not discussed herein increase network efficiency by reducing

limited to : merchantID , merchant TaxID , merchanteName , 45 data transfer requirements the use of more efficient data merchantContactUserID , accountID , issuerID , acquirerID , structures and mechanisms for their transfer and storage . As merchantEmail , merchantAddress , merchantState , mer - a consequence , more data may be transferred in less time , chantZIPcode , merchantCountry , merchantAuthKey , mer - and latencies with regard to transactions , are also reduced . In chantIPaddress , portNum , merchantURLaccessCode , mer - many cases , such reduction in storage , transfer time , band chantPortNo , merchantAccessPrivileges , 50 width requirements , latencies , etc . , will reduce the capacity merchantPreferences , merchantRestrictions , and / or the like ; and structural infrastructure requirements to support the

An CEO table 2319i includes fields such as , but not MMACC ' s features and facilities , and in many cases reduce limited to : CEO _ ID , sliceID , CEO _ Name , SliceType , Sli the costs , energy consumption / requirements , and extend the ceName , assetID , accountID , userID , distributorAccountID , life of MMACC ' s underlying infrastructure ; this has the distributorPaymentID , distributorOnwerID , priority , fund - 55 added benefit of making the MMACC more reliable . Simi sRaised , FixedYield , YieldUpside , and / or the like ; larly , many of the features and mechanisms are designed to An SliceType table 2319i includes fields such as , but not be easier for users to use and access , thereby broadening the

limited to : SliceTypeID , CEO _ ID , sliceID , SliceType , Sli - audience that may enjoy / employ and exploit the feature sets ceName , assetID , accountID , userID , distributorAccountID , of the MMACC ; such ease of use also helps to increase the distributorPaymentID , distributorOnwerID , priority , fund - 60 reliability of the MMACC . In addition , the feature sets sRaised , FixedYield , YieldUpside , and / or the like ; include heightened security as noted via the Cryptographic Amarket data table 2319z includes fields such as , but not components 2320 , 2326 , 2328 and throughout , making

limited to : market _ data _ feed _ ID , asset _ ID , asset _ symbol , access to the features and data more reliable and secure asset _ name , spot _ price , bid _ price , ask _ price , and / or the The MMACC transforms collateralized equity obligation like ; in one embodiment , the market data table is populated 65 structure parameters , asset search , tranche selections inputs , through a market data feed ( e . g . , Bloomberg ' s PhatPipe , via MMACC components ( e . g . , pool tranche instantiation Dun & Bradstreet , Reuter ' s Tib , Triarch , etc . ) , for example , 2341 , tranche asset transact 2342 , distribute income tranche

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32 2343 , distribute principal tranche 2344 of FIG . 23 ) , into figuration results in more consolidated and / or integrated asset income distribution message , principal distribution program components , results in a more distributed series of message outputs . program components , and / or results in some combination

The MMACC component enabling access of information between a consolidated and distributed configuration , data between nodes may be developed by employing standard 5 may be communicated , obtained , and / or provided . Instances development tools and languages such as , but not limited to : of components consolidated into a common code base from Apache components , Assembly , ActiveX , binary the program component collection may communicate , executables , ( ANSI ) ( Objective - ) C ( + + ) , C # and / or . NET , obtain , and / or provide data . This may be accomplished database adapters , CGI scripts , Java , JavaScript , mapping through intra - application data processing communication tools , procedural and object oriented development tools , 10 techniques such as , but not limited to : data referencing ( e . g . , PERL , PHP , Python , shell scripts , SQL commands , web pointers ) , internal messaging , object instance variable com application server extensions , web development environ munication , shared memory space , variable passing , and / or ments and libraries ( e . g . , Microsoft ' s ActiveX ; Adobe AIR , FLEX & FLASH ; AJAX ; ( D ) HTML ; Dojo , Java ; If component collection components are discrete , sepa JavaScript ; jQuery ( UI ) ; Moo Tools ; Prototype ; script . acu - 15 rate , and / or external to one another , then communicating , lo . us ; Simple Object Access Protocol ( SOAP ) ; SWFObject ; obtaining , and / or providing data with and / or to other com Yahoo ! User Interface ; and / or the like ) , WebObjects , and / or ponent components may be accomplished through inter the like . In one embodiment , the MMACC server employs application data processing communication techniques such a cryptographic server to encrypt and decrypt communica - as , but not limited to : Application Program Interfaces ( API ) tions . The MMACC component may communicate to and / or 20 information passage ; ( distributed ) Component Object Model with other components in a component collection , including ( D ) COM ) , ( Distributed ) Object Linking and Embedding itself , and / or facilities of the like . Most frequently , the ( DOLE ) , and / or the like ) , Common Object Request Broker MMACC component communicates with the MMACC Architecture ( CORBA ) , Jini local and remote application database , operating systems , other program components , program interfaces , JavaScript Object Notation ( JSON ) , and / or the like . The MMACC may contain , communicate , 25 Remote Method Invocation ( RMI ) , SOAP , process pipes , generate , obtain , and / or provide program component , sys - shared files , and / or the like . Messages sent between discrete tem , user , and / or data communications , requests , and / or component components for inter - application communica responses . tion or within memory spaces of a singular component for

intra - application communication may be facilitated through Distributed MMACCs 30 the creation and parsing of a grammar . A grammar may be

developed by using development tools such as lex , yacc , The structure and / or operation of any of the MMACC XML , and / or the like , which allow for grammar generation

node controller components may be combined , consoli - and parsing capabilities , which in turn may form the basis of dated , and / or distributed in any number of ways to facilitate communication messages within and between components . development and / or deployment . Similarly , the component 35 For example , a grammar may be arranged to recognize the collection may be combined in any number of ways to tokens of an HTTP post command , e . g . : facilitate deployment and / or development . To accomplish w3c - post http : / / . . . Valuel this , one may integrate the components into a common code where Valuel is discerned as being a parameter because base or in a facility that can dynamically load the compo - " http : / / ” is part of the grammar syntax , and what follows is nents on demand in an integrated fashion . As such a com - 40 considered part of the post value . Similarly , with such a bination of hardware may be distributed within a location , grammar , a variable “ Valuel ” may be inserted into an within a region and / or globally where logical access to a “ http : / / ” post command and then sent . The grammar syntax controller may be abstracted as a singular node , yet where a itself may be presented as structured data that is interpreted multitude of private , semiprivate and publically accessible and / or otherwise used to generate the parsing mechanism node controllers ( e . g . , via dispersed data centers ) are coor - 45 ( e . g . , a syntax description text file as processed by lex , yacc , dinated to serve requests ( e . g . , providing private cloud , etc . ) . Also , once the parsing mechanism is generated and / or semi - private cloud , and public cloud computing resources ) instantiated , it itself may process and / or parse structured and allowing for the serving of such requests in discrete data such as , but not limited to : character ( e . g . , tab ) delin regions ( e . g . , isolated , local , regional , national , global cloud eated text , HTML , structured text streams , XML , and / or the access ) . 50 like structured data . In another embodiment , inter - applica

The component collection may be consolidated and / or tion data processing protocols themselves may have inte distributed in countless variations through standard data grated and / or readily available parsers ( e . g . , JSON , SOAP , processing and / or development techniques . Multiple and / or like parsers ) that may be employed to parse ( e . g . , instances of any one of the program components in the communications ) data . Further , the parsing grammar may be program component collection may be instantiated on a 55 used beyond message parsing , but may also be used to parse : single node , and / or across numerous nodes to improve databases , data collections , data stores , structured data , performance through load balancing and / or data - processing and / or the like . Again , the desired configuration will depend techniques . Furthermore , single instances may also be dis - upon the context , environment , and requirements of system tributed across multiple controllers and / or storage devices ; deployment . e . g . , databases . All program component instances and con - 60 For example , in some implementations , the MMACC trollers working in concert may do so through standard data controller may be executing a PHP script implementing a processing communication techniques . Secure Sockets Layer ( " SSL " ) socket server via the infor

The configuration of the MMACC controller will depend mation server , which listens to incoming communications on on the context of system deployment . Factors such as , but a server port to which a client may send data , e . g . , data not limited to , the budget , capacity , location , and / or use of 65 encoded in JSON format . Upon identifying an incoming the underlying hardware resources may affect deployment communication , the PHP script may read the incoming requirements and configuration . Regardless of if the con message from the client device , parse the received JSON

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US 9 , 818 , 156 B2 33 34

encoded text data to extract information from the JSON that further undescribed alternate embodiments may be encoded text data into PHP script variables , and store the available for a portion is not to be considered a disclaimer data ( e . g . , client identifying information , etc . ) and / or of those alternate embodiments . It will be appreciated that extracted information in a relational database accessible many of those undescribed embodiments incorporate the using the Structured Query Language ( “ SQL ” ) . An exem - 5 same principles of the innovations and others are equivalent . plary listing , written substantially in the form of PHP / SQL Thus , it is to be understood that other embodiments may be commands , to accept JSON - encoded input data from a client utilized and functional , logical , operational , organizational , device via a SSL connection , parse the data to extract structural and / or topological modifications may be made

variables , and store the data to a database , is provided below : without departing from the scope and / or spirit of the dis 10 closure . As such , all examples and / or embodiments are

deemed to be non - limiting throughout this disclosure . Also , < ? PHP no inference should be drawn regarding those embodiments header ( " Content - Type : text / plain ' ) ; discussed herein relative to those not discussed herein other / / set ip address and port to listen to for incoming data than it is as such for purposes of reducing space and $ address = ` 192 . 168 . 0 . 100 " ; repetition . For instance , it is to be understood that the logical $ port = 255 ; / / create a server - side SSL socket , listen for / accept incoming and / or topological structure of any combination of any communication program components ( a component collection ) , other com $ sock = socket _ create ( AF _ INET , SOCK _ STREAM , 0 ) ; ponents , data flow order , logic flow order , and / or any present socket _ bind ( $ sock , $ address , Sport ) or die ( " Could not bind to address ' ) ; feature sets as described in the figures and / or throughout are socket _ listen ( $ sock ) ; $ client = socket _ accept ( $ sock ) ; 20 not limited to a fixed operating order and / or arrangement , / / read input data from client device in 1024 byte blocks until end of but rather , any disclosed order is exemplary and all equiva message lents , regardless of order , are contemplated by the disclo do { sure . Similarly , descriptions of embodiments disclosed $ input = " " ;

$ input = socket _ read ( $ client , 1024 ) ; throughout this disclosure , any reference to direction or $ data . = $ input ; orientation is merely intended for convenience of descrip

} while ( $ input ! = " " ) ; tion and is not intended in any way to limit the scope of / / parse data to extract variables described embodiments . Relative terms such as “ lower , " $ obj = json _ decode ( $ data , true ) ; / / store input data in a database “ upper , " " horizontal , ” “ vertical , " " above , " " below , " " up , ” mysql _ connect ( “ 201 . 408 . 185 . 132 " , $ DBserver , $ password ) ; / / access " down , " " top ” and “ bottom ” as well as derivative thereof database server 30 ( e . g . , " horizontally , " " downwardly , " " upwardly , ” etc . ) mysql _ select ( “ CLIENT _ DB . SQL " ) ; / / select database to append should not be construed to limit embodiments , and instead , mysql _ query ( " INSERT INTO UserTable ( transmission ) VALUES ( $ data ) ” ) ; / / add data to UserTable table in a CLIENT database again , are offered for convenience of description of orien mysql _ close ( " CLIENT _ DB . SQL ” ) ; / / close connection to database tation . These relative descriptors are for convenience of ? > description only and do not require that any embodiments be

35 constructed or operated in a particular orientation unless Also , the following resources may be used to provide explicitly indicated as such . Terms such as " attached , "

example embodiments regarding SOAP parser implementa " affixed , " " connected , " " coupled , ” “ interconnected , " and tion : similar may refer to a relationship wherein structures are

secured or attached to one another either directly or indi 40 rectly through intervening structures , as well as both mov

http : / / www . xav . com / perl / site / lib / SOAP / Parser . html able or rigid attachments or relationships , unless expressly http : / / publib . boulder . ibm . com / infocenter / tivihelp / v2r1 / index . jsp ? topic = / described otherwise . Furthermore , it is to be understood that com . ibm . IBMDI . doc / referenceguide295 . htm such features are not limited to serial execution , but rather ,

any number of threads , processes , services , servers , and / or and other parser implementations : 45 the like that may execute asynchronously , concurrently , in

parallel , simultaneously , synchronously , and / or the like are contemplated by the disclosure . As such , some of these

http : / / publib . boulder . ibm . com / infocenter / tivihelp / v2r1 / index . jsp ? topic = / features may be mutually contradictory , in that they cannot com . ibm . IBMDI . doc / referenceguide259 . htm be simultaneously present in a single embodiment . Simi

50 larly , some features are applicable to one aspect of the all of which are hereby expressly incorporated by reference . innovations , and inapplicable to others . In addition , the

In order to address various issues and advance the art , the disclosure includes other innovations not presently claimed . entirety of this application for Multiple Modular Asset Class Applicant reserves all rights in those presently unclaimed Constructor Apparatuses , Methods and Systems ( including innovations including the right to claim such innovations , the Cover Page , Title , Headings , Field , Background , Sum - 55 file additional applications , continuations , continuations in mary , Brief Description of the Drawings , Detailed Descrip - part , divisions , and / or the like thereof . As such , it should be tion , Claims , Abstract , Figures , Appendices , and otherwise ) understood that advantages , embodiments , examples , func shows , by way of illustration , various embodiments in which tional , features , logical , operational , organizational , struc the claimed innovations may be practiced . The advantages tural , topological , and / or other aspects of the disclosure are and features of the application are of a representative sample 60 not to be considered limitations on the disclosure as defined of embodiments only , and are not exhaustive and / or exclu - by the claims or limitations on equivalents to the claims . It sive . They are presented only to assist in understanding and is to be understood that , depending on the particular needs teach the claimed principles . It should be understood that and / or characteristics of a MMACC individual and / or enter they are not representative of all claimed innovations . As prise user , database configuration and / or relational model , such , certain aspects of the disclosure have not been dis - 65 data type , data transmission and / or network framework , cussed herein . That alternate embodiments may not have syntax structure , and / or the like , various embodiments of the been presented for a specific portion of the innovations or MMACC , may be implemented that enable a great deal of

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US 9 , 818 , 156 B2 35 36

flexibility and customization . For example , aspects of the MMACC have included information technology , however , it MMACC may be adapted for separating , e . g . , physical , asset is to be understood that the embodiments described herein benefits and liabilities across slices of an asset collection . may be readily configured and / or customized for a wide While various embodiments and discussions of the variety of other applications and / or implementations .

APPENDIX 1 Example MMACC embodiments ( initial purchases )

2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )

Initial Weight ( % ) Company Name Invested

Purchase Price * Shares

57 . 5 53 . 4 23 . 1 21 . 3

2 . 2 8 . 2

28 . 5 46 . 0 45 . 8 15 . 6 50 . 3

9 . 3 15 . 1 11 . 3 33 . 9 25 . 5 40 . 3 32 . 8 16 . 7 15 . 1 51 . 3 33 . 3 3 . 2

33 . 3 18 . 6 31 . 4

Sum : 3M Company Abbott Laboratories Abercrombie & Fitch Co . Class A Adobe Systems Incorporated Advanced Micro Devices , Inc . AES Corporation Aetna Inc . Affiliated Computer Services Inc . CI A Aflac Incorporated Agilent Technologies , Inc . Air Products and Chemicals , Inc . AK Steel Holding Corporation Akamai Technologies , Inc . Alcoa Inc . Allegheny Energy Allegheny Technologies Incorporated Allergan , Inc . Allstate Corporation Altera Corporation Altria Group , Inc . Amazon . com , Inc . Ameren Corporation American Capital , Ltd . American Electric Power Company , Inc . American Express Company American International Group , Inc . American Tower Corporation Ameriprise Financial , Inc . AmerisourceBergen Corporation Amgen Inc . Amphenol Corporation Class A Anadarko Petroleum Corporation Analog Devices , Inc . Aon plc Apache Corporation Apartment Investment and Management Company C Apollo Education Group , Inc . Class A Apple Inc . Applied Materials , Inc . Archer - Daniels - Midland Company Assurant , Inc . AT & T Inc . Autodesk , Inc . Automatic Data Processing , Inc . AutoNation , Inc . AutoZone , Inc . AvalonBay Communities , Inc . Avery Dennison Corporation Avon Products , Inc . Baker Hughes Incorporated Ball Corporation Bank of America Corporation Bank of New York Mellon Corporation Baxter International Inc . BB & T Corporation Becton , Dickinson and Company Bed Bath & Beyond Inc . Bemis Company , Inc . Best Buy Co . , Inc . Big Lots , Inc . Biogen Idec Inc . BJ Services Co Black & Decker Corporation BMC Software , Inc . Boeing Company Boston Properties , Inc .

100 . 00 0 . 51 1 . 06 0 . 03 0 . 14 0 . 02 0 . 07 0 . 17 0 . 06 0 . 27 0 . 07 0 . 13 0 . 01 0 . 03 0 . 12 0 . 07 0 . 03 0 . 16 0 . 22 0 . 06 0 . 40 0 . 21 0 . 09 0 . 01 0 . 17 0 . 28 0 . 05 0 . 15 0 . 06 0 . 07 0 . 78 0 . 05 0 . 23 0 . 07 0 . 16 0 . 32 0 . 01 0 . 10 0 . 97 0 . 17 0 . 24 0 . 05 2 . 15 0 . 06 0 . 26 0 . 01 0 . 07 0 . 06 0 . 04 0 . 13 0 . 13 0 . 05 0 . 90 0 . 42 0 . 43 0 . 19 0 . 21 0 . 08 0 . 03 0 . 12 0 . 02 0 . 18 0 . 04 0 . 03 0 . 06 0 . 40 0 . 08

300 , 000 , 001 1 , 530 , 116 3 , 177 , 767

77 , 053 433 , 796 50 , 437

212 , 729 504 , 301 172 , 015 819 , 965 209 , 930 404 , 279 40 , 063 97 , 937 345 , 820 219 , 665 94 , 339

475 , 808 673 , 794 190 , 685

1 , 190 , 765 632 , 917 269 , 889 25 , 708

515 , 389 825 , 678 162 , 000 446 , 343 194 , 168 213 , 778

2 , 348 , 072 161 , 759 679 , 085 212 , 539 472 , 922 957 , 188 44 , 878

313 , 266 2 , 911 , 545 521 , 557 709 , 699 135 , 408

6 , 445 , 124 170 , 638 766 , 735 40 , 904 204 , 789 179 , 268 133 , 498 393 , 112 378 , 474 150 , 968

2 , 711 , 107 1 , 247 , 596 1 , 275 , 396 582 , 200 638 , 049 253 , 335 90 , 576 364 , 376 45 , 661 533 , 269 130 , 738 96 , 418 193 , 632

1 , 199 , 991 254 , 974

29 . 3 23 . 4 17 . 8 57 . 8 12 . 0 38 . 6 19 . 0 45 . 7 74 . 5 11 . 6 76 . 6

26 , 592 59 , 542

3 , 340 20 , 376 23 , 351 25 , 817 17 , 695

3 , 744 17 , 888 13 , 431 8 , 042 4 , 299 6 , 490

30 , 712 6 , 487 3 , 695

11 , 801 20 , 568 11 , 411 79 , 068 12 , 342

8 , 115 7 , 935

15 , 486 44 , 511 5 , 159 15 , 223 8 , 312

11 , 990 40 , 659 13 , 491 17 , 616 11 , 175 10 , 353 12 , 843 3 , 886 4 , 089

238 , 791 51 , 486 24 , 617 4 , 514

226 , 145 8 , 684

19 , 490 4 , 140 1 , 468 2 , 959 4 , 079

16 , 359 11 , 802 7 , 260

192 , 550 44 , 038 23 , 799 21 , 202 9 , 330 9 , 966 3 , 825

12 , 962 3 , 151

11 , 196 11 , 203 2 , 306 7 , 196

28 , 123 4 , 636

12 . 2 10 . 1 28 . 8 30 . 0 28 . 5 19 . 7 39 . 3 9 . 9

139 . 5 60 . 6 32 . 7 24 . 0 32 . 1 20 . 8 14 . 1 28 . 3 53 . 6 27 . 5 68 . 4 25 . 4 23 . 7 28 . 1 14 . 5 47 . 6 11 . 7 41 . 8 26 . 9 42 . 7 55 . 0

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US 9 , 818 , 156 B2 37 APPENDIX 1 - continued

38

Example MMACC embodiments ( initial purchases ) 2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )

Initial Weight ( % )

Purchase Price * Company Name Invested Shares

7 . 7

52

Boston Scientific Corporation Bristol - Myers Squibb Company Broadcom Corporation Class A Brown - Forman Corporation Class B Burlington Northern C . R . Bard , Inc . C . H . Robinson Worldwide , Inc . CA , Inc . Cabot Oil & Gas Corporation Cameron International Corporation Campbell Soup Company Capital One Financial Corporation Cardinal Health , Inc . Carnival Corporation Caterpillar Inc . CB Richard Ellis Group Inc . CBS Corporation Class B Celgene Corporation CenterPoint Energy , Inc . Centex Corp . CenturyLink , Inc . Cephalon Inc CF Industries Holdings , Inc . Charles Schwab Corporation Chesapeake Energy Corporation Chevron Corporation Chubb Corporation Ciena Corporation Cigna Corporation Cincinnati Financial Corporation Cintas Corporation Cisco Systems , Inc . CIT Group Inc . ( Old ) Citigroup Inc . Citrix Systems , Inc . Clorox Company CME Group Inc . Class A CMS Energy Corporation Coach , Inc . Coca - Cola Company Coca - Cola Enterprises , Inc . Cognizant Technology Solutions Corporation Class A Colgate - Palmolive Company Comcast Corporation Class A Comerica Incorporated Computer Sciences Corporation Compuware Corporation ConAgra Foods , Inc . ConocoPhillips CONSOL Energy Inc . Consolidated Edison , Inc . Constellation Brands , Inc . Class A Constellation Energy Group Inc . Convergys Corporation Cooper Industries PLC CI A Corning Incorporated Costco Wholesale Corporation Coventry Health Care Inc . Covidien Plc CSX Corporation Cummins Inc . CVS Health Corporation D . R . Horton , Inc . Danaher Corporation Darden Restaurants , Inc . DaVita Health Care Partners Inc . Dean Foods Company Deere & Company Dell Inc . DENTSPLY International Inc . Developers Diversified Realty Corp . Devon Energy Corporation DirecTV Group Inc .

0 . 15 0 . 59 0 . 10 0 . 06 0 . 27 0 . 11 0 . 12 0 . 09 0 . 03 0 . 06 0 . 08 0 . 16 0 . 16 0 . 14 0 . 34 0 . 01 0 . 07 0 . 32 0 . 06 0 . 02 0 . 04 0 . 07 0 . 04 0 . 19 0 . 11 1 . 92 0 . 23 0 . 01 0 . 06 0 . 06 0 . 04 1 . 22 0 . 02 0 . 47 0 . 05 0 . 10 0 . 18 0 . 03 0 . 09 1 . 15 0 . 05 0 . 07 0 . 44 0 . 62 0 . 04 0 . 07 0 . 02 0 . 09 0 . 99 0 . 07 0 . 14 0 . 04 0 . 06 0 . 01 0 . 06 0 . 19 0 . 29 0 . 03 0 . 23 0 . 16 0 . 07 0 . 53 0 . 02 0 . 19 0 . 05 0 . 07 0 . 04 0 . 21 0 . 23 0 . 05 0 . 01 0 . 37 0 . 16

445 , 987 1 , 766 , 255 289 , 233 193 , 791 815 , 563 320 , 763 357 , 322 280 , 097 103 , 119 172 , 693 236 , 940 479 , 303 475 , 691 407 , 849

1 , 034 , 075 36 , 968

213 , 693 971 , 988 166 , 676 50 , 760

105 , 024 202 , 355 107 , 269 580 , 633 335 , 615

5 , 767 , 461 696 , 155 23 , 222

177 , 728 181 , 148 117 , 134

3 , 662 , 443 62 , 815

1 , 403 , 241 164 , 305 295 , 754 534 , 951 87 , 761

260 , 575 3 , 456 , 518 146 , 416 201 , 809

1 , 327 , 517 1 , 865 , 439

114 , 633 204 , 274 63 , 849 283 , 089

2 , 963 , 495 198 , 727 408 , 786 117 , 803 171 , 783 30 , 026

194 , 406 568 , 442 869 , 695 85 , 068

700 , 331 491 , 525 206 , 561

1 , 584 , 018 74 , 744

555 , 458 150 , 016 197 , 455 106 , 163 627 , 928 680 , 037 161 , 421 22 , 523

1 , 114 , 056 480 , 159

23 . 3 17 . 0 34 . 3 75 . 7 84 . 3 55 . 0 18 . 5 6 . 5

20 . 5 30 . 0 31 . 9 34 . 5 24 . 3 44 . 7

4 . 3 8 . 2

27 . 6 12 . 6 10 . 6 27 . 3 77 . 0 49 . 2 16 . 2 16 . 2 74 . 0 51 . 0

6 . 7 16 . 9 29 . 1 23 . 2 16 . 3 4 . 5

67 . 1 23 . 6 55 . 6 41 . 6 10 . 1 20 . 8 22 . 6 12 . 0

9 . 0 34 . 3 16 . 9 19 . 9 35 . 1 6 . 8

16 . 5 51 . 8 28 . 6 38 . 9 15 . 8 25 . 1

6 . 4 29 . 2 9 . 5

52 . 5 14 . 9 36 . 2 10 . 8 26 . 7 28 . 7

7 . 1 28 . 3 28 . 2 24 . 8 35 . 9 38 . 3 10 . 2 28 . 2 4 . 9

65 . 7 22 . 9

57 , 621 75 , 968 17 , 044 5 , 646

10 , 772 3 , 807 6 , 493 15 , 116 15 , 865 8 , 424 7 , 895

15 , 030 13 , 800 16 , 770 23 , 149

8 , 558 26 , 092 35 , 166 13 , 207

4 , 771 3 , 843 2 , 627 2 , 182

35 , 908 20 , 755 77 . 970 13 , 650

3 , 466 10 , 548 6 , 231 5 . 042

224 , 690 13 , 836 20 , 913 6 , 971 5 , 323

12 , 853 8 , 681

12 , 546 152 , 707 12 , 171 22 , 349 38 , 737 110 , 512

5 , 775 5 , 813 9 , 459

17 , 157 57 , 210 6 , 953

10 , 501 7 , 470 6 , 847 4 , 684 6 , 651

59 , 648 16 , 566 5 , 717

19 , 325 45 , 413

7 , 728 55 , 115 10 , 572 19 , 624 5 , 324 7 , 967 2 , 954

16 , 386 66 , 410

5 , 716 4 , 615

16 , 954 20 , 959

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US 9 , 818 , 156 B2 39 APPENDIX 1 - continued

40

Example MMACC embodiments ( initial purchases ) 2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )

Initial Weight ( % )

Purchase Price * Company Name Invested Shares

0 . 06 0 . 27 0 . 08 0 . 18 0 . 05 0 . 07 0 . 24 0 . 05 0 . 01 0 . 01 0 . 29

Discover Financial Services Dominion Resources , Inc . Dover Corporation Dow Chemical Company Dr Pepper Snapple Group , Inc . DTE Energy Company Duke Energy Corporation Dun & Bradstreet Corporation Dynegy Inc . E * TRADE Financial Corporation E . I . du Pont de Nemours and Company Eastman Chemical Company Eastman Kodak Company Eaton Corp . eBay Inc . Ecolab Inc . Edison International El Paso Corp . Electronic Arts Inc . Eli Lilly and Company Embarq Corp . EMC Corporation Emerson Electric Co . Ensco plc Entergy Corporation EOG Resources , Inc . Equifax Inc . Equitable Resources Inc . Equity Residential Estee Lauder Companies Inc . Class A Exelon Corporation Expedia , Inc . Expeditors International of Washington , Inc . Express Scripts Holding Company Exxon Mobil Corporation Family Dollar Stores , Inc . Fastenal Company Federated Investors , Inc . Class B FedEx Corporation Fidelity National Information Services , Inc . Fifth Third Bancorp First Horizon National Corporation FirstEnergy Corp . Fiserv , Inc . Flowserve Corporation Fluor Corporation Ford Motor Company Forest Laboratories , Inc . Fortune Brands Inc . FPL Group Inc . Franklin Resources , Inc . Freeport - McMoRan , Inc . Frontier Communications Corporation Class B GameStop Corp . Class A Gannett Co . , Inc . Gap , Inc . General Dynamics Corporation General Electric Company General Mills , Inc . General Motors Corporation Genuine Parts Company Genworth Financial , Inc . Class A Genzyme Corp . Gilead Sciences , Inc . Goldman Sachs Group , Inc . Goodrich Corp . Goodyear Tire & Rubber Company Google Inc . Class A Graham Holdings Co . H & R Block , Inc . H . J . Heinz Company Halliburton Company Harley - Davidson , Inc .

0 . 03 0 . 02 0 . 10 0 . 19 0 . 08 0 . 13 0 . 07 0 . 07 0 . 52 0 . 07 0 . 27 0 . 36 0 . 05 0 . 20 0 . 21 0 . 04 0 . 06 0 . 10 0 . 05 0 . 47 0 . 02 0 . 09 0 . 17 5 . 19 0 . 05 0 . 06 0 . 02 0 . 26 0 . 04 0 . 06 0 . 03

175 , 514 799 , 557 234 . 930 534 , 944 158 , 197 223 , 155 728 , 820 159 , 722 38 , 816 24 , 834

876 , 095 88 , 277 67 , 787 314 , 568 574 , 628 226 , 147 401 , 597 210 , 695 197 , 513

1 , 546 , 167 196 , 142 819 , 950

1 , 077 , 657 154 , 512 603 , 985 637 , 684 128 , 544 168 , 475 311 , 290 137 , 653

1 , 404 , 034 66 , 235

270 , 736 522 , 105

15 , 582 , 884 139 , 781 172 , 817 57 , 648

766 , 205 118 , 625 183 , 050 83 , 275

568 , 294 223 , 525 111 , 743 312 , 534 209 , 930 294 , 573 237 . 470

789 , 424 370 , 215 354 , 197 104 , 415 136 , 132 70 , 032

239 , 594 861 , 574

6 , 529 , 650 778 , 971 74 , 964

231 , 643 47 , 038

689 , 004 1 , 805 , 338 1 , 432 , 029 174 , 881 55 , 279

2 , 824 , 175 89 , 768

295 , 522 453 , 707 623 , 538 151 , 622

9 . 5 35 . 8 32 . 9 15 . 1 16 . 3 35 . 7 45 . 0 77 . 2

1 , 228 . 6 11 . 5 25 . 3 15 . 9

6 . 6 24 . 9 14 . 0 35 . 2 32 . 1 7 . 8

16 . 0 40 . 3 36 . 0 10 . 5 36 . 6 28 . 4 83 . 1 33 . 3 26 . 5 33 . 6 29 . 8 15 . 5 55 . 6 16 . 5 33 . 3 27 . 5 79 . 8 26 . 1 17 . 4 17 . 0 64 . 2 16 . 3 8 . 3

18 , 417 22 , 309

7 , 136 35 , 450 9 , 735 6 , 256

16 , 185 2 , 069

32 2 , 160

34 , 628 5 , 568

10 , 302 12 , 656 41 , 162 6 , 434

12 , 503 26 , 909 12 , 314 38 , 395 5 , 454

78 , 314 29 , 436

5 , 442 7 , 266

19 , 155 4 , 847 5 , 022

10 , 439 8 , 892

25 , 248 4 , 019 8 , 138

18 , 993 195 , 201

5 , 362 9 , 918 3 , 399

11 , 944 7 , 291

22 , 161 9 , 011

11 , 698 12 , 292 6 , 509 6 , 965 91 , 672 11 , 565 5 , 753

15 , 685 17 , 414 28 , 985 11 , 947 6 , 285 8 , 754

17 , 894 14 , 960

403 , 065 25 , 645 23 , 426 6 , 118

16 , 621 10 , 381 70 , 604 16 , 969 4 , 724 9 , 260

18 , 342 230

13 , 007 12 , 067 34 , 298

8 , 935

9 . 2 0 . 19 0 . 07 0 . 04 0 . 10 0 . 07 0 . 10 0 . 08 0 . 26 0 . 12 0 . 12 0 . 03 0 . 05 0 . 02 0 . 08 0 . 29

48 . 6 18 . 2 17 . 2 44 . 9

2 . 3 25 . 5 41 . 3 50 . 3 21 . 3 12 . 2

8 . 7 21 . 7

8 . 0 13 . 4 57 . 6 16 . 2 30 . 4

2 . 18

3 . 2 0 . 26 0 . 02 0 . 08 0 . 02 0 . 23 0 . 60 0 . 48 0 . 06 0 . 02 0 . 94 0 . 03 0 . 10 0 . 15 0 . 21 0 . 05

37 . 9 2 . 8

66 . 4 25 . 6 84 . 4 37 . 0

6 . 0 154 . 0 390 . 3 22 . 7 37 . 6 18 . 2 17 . 0

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US 9 , 818 , 156 B2 41

APPENDIX 1 - continued

Example MMACC embodiments ( initial purchases ) 2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )

Initial Purchase Price * Company Name Invested Shares

16 . 7 38 . 1 16 . 4 29 . 2 27 . 8 34 . 7 53 . 6 36 . 3 23 . 0 32 . 8 26 . 8 7 . 6

16 . 0 37 . 3

7 . 7 35 . 1 15 . 2 17 . 4 43 . 0 14 . 7 82 . 4 84 . 2 29 . 7 11 . 9 11 . 8

4 . 0 23 . 8 127 . 0 14 . 4 92 . 0 19 . 7 43 . 4 6 . 8

48 . 1 8 . 0

Harman International Industries , Incorporated Harris Corporation Hartford Financial Services Group , Inc . Hasbro , Inc . HCP , Inc . Hershey Company Hess Corporation Hewlett - Packard Company Home Depot , Inc . Honeywell International Inc . Hospira , Inc . Host Hotels & Resorts , Inc . Hudson City Bancorp , Inc . Humana Inc . Huntington Bancshares Incorporated Illinois Tool Works Inc . IMS Health Inc . Ingersoll - Rand Plc Integrys Energy Group , Inc . Intel Corporation IntercontinentalExchange , Inc . International Business Machines Corporation International Flavors & Fragrances Inc . International Game Technology International Paper Company Interpublic Group of Companies , Inc . Intuit Inc . Intuitive Surgical , Inc . Invesco Ltd . ITT Corporation J . C . Penney Company , Inc . J . M . Smucker Company Jabil Circuit , Inc . Jacobs Engineering Group Inc . Janus Capital Group Inc . JDS Uniphase Corporation Johnson & Johnson Johnson Controls , Inc . Jones Apparel Group Inc . JPMorgan Chase & Co . Juniper Networks , Inc . KB Home Kellogg Company KeyCorp Kimberly - Clark Corporation Kimco Realty Corporation King Pharmaceuticals KLA - Tencor Corporation Kohl ' s Corporation Kraft Foods Inc . Kroger Co . L - 3 Communications Holdings , Inc . Laboratory Corporation of America Holdings Legg Mason , Inc . Leggett & Platt , Incorporated Lennar Corporation Class A Leucadia National Corporation Lexmark International , Inc . Class A Life Technologies Corporation Limited Brands Inc . Lincoln National Corporation Linear Technology Corporation Lockheed Martin Corporation Loews Corporation Lorillard , Inc . Lowe ' s Companies , Inc . LSI Corporation M & T Bank Corporation Macy ' s Inc Manitowoc Company , Inc . Marathon Oil Corporation Marriott International , Inc . Class A Marsh & McLennan Companies , Inc .

0 . 01 0 . 07 0 . 06 0 . 05 0 . 09 0 . 07 0 . 19 1 . 14 0 . 50 0 . 31 0 . 05 0 . 05 0 . 11 0 . 08 0 . 04 0 . 18 0 . 04 0 . 07 0 . 04 1 . 04 0 . 08 1 . 45 0 . 03 0 . 04 0 . 06 0 . 02 0 . 10 0 . 06 0 . 07 0 . 11 0 . 06 0 . 07 0 . 02 0 . 08 0 . 02 0 . 01 2 . 12 0 . 14 0 . 01 1 . 51 0 . 12 0 . 01 0 . 14 0 . 05 0 . 28 0 . 05 0 . 03 0 . 05 0 . 14 0 . 50 0 . 22 0 . 11 0 . 09 0 . 04 0 . 03 0 . 02 0 . 04 0 . 03 0 . 05 0 . 03 0 . 06 0 . 06 0 . 36 0 . 13 0 . 12 0 . 40 0 . 03 0 . 06 0 . 06 0 . 01 0 . 25 0 . 07 0 . 16

37 , 586 196 , 527 189 , 850 138 , 681 269 , 247 221 , 112 583 , 938

3 , 410 , 705 1 , 497 , 761 915 , 016 164 , 259 151 , 800 319 , 247 241 , 363 107 , 603 529 , 406 105 , 807 212 , 250 126 , 050

3 , 129 , 068 228 , 554

4 , 338 , 901 89 , 696

134 , 465 193 , 608 72 , 418

292 , 198 190 , 613 213 , 326 320 , 483 167 , 969 197 , 064 54 , 565

226 , 792 48 , 644 30 , 795

6 , 370 , 364 414 , 078 18 , 760

4 , 516 , 035 354 , 754 39 , 349

423 , 922 161 , 846 837 , 412 160 , 647 100 , 450 141 , 200 423 , 307

1 , 513 , 749 661 , 277 338 , 056 266 , 948 119 , 330 91 , 052 47 , 011

134 , 486 80 , 930 154 , 358 104 , 252 184 , 999 188 , 217

1 , 074 , 243 392 , 395 363 , 444

1 , 210 , 408 81 , 446 170 , 081 167 , 041 43 , 320

740 , 816 218 , 876 478 , 794

3 . 7 59 . 8 18 . 2

2 , 247 5 , 165 11 , 562 4 , 754 9 , 696 6 , 365

10 , 886 93 , 985 65 , 063 27 , 871 6 , 125

20 , 053 20 , 003 6 , 474

14 , 047 15 , 104 6 , 979

12 , 233 2 . 933

213 , 443 2 , 772

51 , 555 3 , 018

11 , 309 16 , 407 18 , 287 12 , 282

1 , 501 14 , 773

3 , 484 8 , 526 4 , 545 8 , 084 4 , 715 6 , 058 8 , 437

106 , 474 22 , 802

3 , 201 143 , 230 20 , 260 2 , 889 9 , 668

18 , 996 15 , 878 8 , 788 9 , 459 6 , 480 11 , 694 56 , 378 25 , 039 4 , 582 4 , 145 5 , 446 5 , 994 5 , 422 6 , 792 3 , 009 6 , 622

10 , 384 9 , 819 8 , 509

12 , 776 13 , 890 19 , 349 56 , 246 24 , 756 2 , 963

16 , 139 5 , 002

27 , 077 11 , 377 19 , 728

5 . 9 31 . 5 17 . 5 13 . 6 43 . 9

8 . 5 52 . 7 18 . 3 10 . 6 21 . 8 36 . 2 26 . 9 26 . 4 73 . 8 64 . 4 21 . 9 15 . 2 8 . 7

19 . 8 26 . 9 23 . 3 10 . 0 18 . 8 22 . 1 84 . 1 28 . 3 18 . 8 21 . 5 3 . 3

57 . 4 10 . 4 8 . 7

27 . 4 19 . 2 24 . 3

Page 48: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 43 44

APPENDIX 1 - continued

Example MMACC embodiments ( initial purchases ) 2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )

Initial Purchase Price * Company Name Invested Shares

Marshall & Ilsley Masco Corporation Massey Energy Co . MasterCard Incorporated Class A Mattel , Inc . MBIA Inc . McAfee McCormick & Company , Incorporated McDonald ' s Corporation McGraw Hill Financial , Inc . McKesson Corporation MeadWestvaco Corporation Medco Health Solutions Medtronic , Inc . Memc Electronic Materials Inc . Merck & Co . , Inc . Meredith Corporation MetLife , Inc . Microchip Technology Incorporated Micron Technology , Inc . Microsoft Corporation Millipore Corp Molex Incorporated Molson Coors Brewing Company Class B Monsanto Company Monster Worldwide , Inc . Moody ' s Corporation Morgan Stanley Motorola Inc . Murphy Oil Corporation Mylan Inc . Nabors Industries Ltd . NASDAQ OMX Group , Inc . National Oilwell Varco , Inc . National Semiconductor Corp NetApp , Inc . New York Times Company Class A Newell Rubbermaid Inc . Newmont Mining Corporation News Corp . CI A Nicor Inc NIKE , Inc . Class B NiSource Inc . Noble Corp . Noble Energy , Inc . Nordstrom , Inc . Norfolk Southern Corporation Northern Trust Corporation Northrop Grumman Corporation Novell , Inc . Novellus Systems Inc . Nucor Corporation NVIDIA Corporation NYSE Euronext Occidental Petroleum Corporation Office Depot , Inc . Omnicom Group Inc Oracle Corporation PACCAR Inc Pactiv Corp Pall Corporation Parker - Hannifin Corporation Patterson Companies , Inc . Paychex , Inc . Peabody Energy Corporation People ' s United Financial , Inc . Pepco Holdings , Inc . Pepsi Bottling PepsiCo , Inc . PerkinElmer , Inc . Pfizer Inc . PG & E Corporation Philip Morris International Inc .

0 . 05 0 . 05 0 . 02 0 . 13 0 . 07 0 . 01 0 . 07 0 . 05 0 . 89 0 . 09 0 . 14 0 . 02 0 . 27 0 . 45 0 . 04 0 . 82 0 . 01 0 . 35 0 . 05 0 . 03 1 . 90 0 . 04 0 . 03 0 . 09 0 . 49 0 . 02 0 . 05 0 . 22 0 . 13 0 . 11 0 . 04 0 . 04 0 . 04 0 . 13 0 . 03 0 . 06 0 . 01 0 . 03 0 . 24 0 . 27 0 . 02 0 . 26 0 . 04 0 . 07 0 . 11 0 . 03 0 . 22 0 . 15 0 . 19 0 . 02 0 . 02 0 . 19 0 . 06 0 . 09 0 . 62 0 . 01 0 . 11 0 . 89 0 . 13 0 . 04 0 . 04 0 . 09 0 . 02 0 . 11 0 . 08 0 . 08 0 . 05 0 . 04 1 . 09 0 . 02 1 . 53 0 . 18 1 . 13

136 , 249 153 , 719 45 , 053

396 , 957 220 , 078 29 , 424

202 , 499 158 , 935

2 , 659 , 916 279 , 880 410 , 079 73 , 349

800 , 967 1 , 348 , 296 123 , 000

2 , 466 , 417 23 , 741

1 , 061 , 633 136 , 321 77 , 378

5 , 707 , 141 109 , 212 78 , 321

279 , 410 1 , 479 , 260

57 , 169 149 , 748 653 , 690 385 , 284 324 , 195 115 , 642 130 , 720 129 , 090 391 , 404 75 , 383 176 , 999 32 , 762

104 , 035 709 , 545 802 , 284 60 , 245 767 , 841 115 , 449 223 , 742 326 , 286 81 , 410

668 , 557 446 , 264 565 , 091 51 , 540 46 , 249

556 , 612 166 , 320 278 , 437

1 , 864 , 438 31 , 436

321 , 073 2 , 665 , 355 398 , 051 125 , 450 128 , 825 263 , 079 65 , 606 323 , 836 232 , 779 237 , 961 147 , 356 116 , 733

3 , 264 , 359 63 , 044

4 , 582 , 659 536 , 243

3 , 377 , 865

13 . 6 11 . 1 13 . 8 14 . 3 16 . 0

4 . 1 34 . 6 31 . 9 62 . 2 23 . 2 38 . 7 11 . 2 41 . 9 31 . 4 14 . 3 30 . 4 17 . 1 34 . 9 19 . 5 2 . 6

19 . 4 51 . 5 14 . 5 48 . 9 70 . 4 12 . 1 20 . 1 16 . 0 31 . 0 44 . 4

9 . 9 12 . 0 24 . 7 24 . 4 10 . 1 14 . 0

7 . 3 9 . 8

40 . 7 9 . 1

34 . 7 25 . 5 11 . 0 22 . 1 24 . 6 13 . 3 47 . 1 52 . 1 45 . 0

3 . 9 12 . 3 46 . 2

8 . 1 27 . 4 60 . 0

3 . 0 26 . 9 17 . 7 28 . 6 24 . 9 28 . 4 42 . 5 18 . 8 26 . 3 22 . 8 17 . 8 17 . 8 22 . 5 54 . 8 13 . 9 17 . 7 38 . 7 43 . 5

9 , 989 13 , 811

3 , 267 27 , 773 13 , 755 7 , 229 5 , 858 4 , 989

42 , 771 12 , 069 10 , 588 6 , 555 19 , 112 42 , 912

8 , 613 81 , 132

1 , 387 30 , 454 6 , 980

29 , 310 293 , 577

2 , 120 5 , 405 5 , 712

21 , 027 4 , 729 7 , 454

40 , 754 12 , 425 7 , 310

11 , 693 10 , 921 5 , 224

16 , 015 7 , 486

12 , 670 4 , 470

10 , 638 17 , 434 88 , 260

1 , 734 30 , 111 10 , 524 10 , 129 13 , 258 6 , 116

14 , 210 8 , 559

12 , 546 13 , 249

3 , 748 12 , 048 20 , 610 10 , 169 31 , 079 10 , 549 11 , 927

150 , 330 13 , 918 5 , 042 4 , 531 6 , 184 3 , 499

12 , 323 10 , 232 13 , 346 8 , 297 5 , 186

59 , 601 4 , 532

258 , 761 13 , 853 77 , 634

Page 49: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 45 APPENDIX 1 - continued

46

Example MMACC embodiments ( initial purchases ) 2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )

Initial $ Invested

Purchase Price * Company Name Shares

3 , 869 4 , 516 7 , 910 6 , 401

13 , 360 2 , 159 6 , 302

14 , 391 11 , 835 5 , 350

Pinnacle West Capital Corporation Pioneer Natural Resources Company Pitney Bowes Inc . Plum Creek Timber Company , Inc . PNC Financial Services Group , Inc . Polo Ralph Lauren Corp . PPG Industries , Inc . PPL Corporation Praxair , Inc . Precision Castparts Corp . Principal Financial Group , Inc . Procter & Gamble Company Progress Energy Inc . Progressive Corporation Prologis Prudential Financial , Inc . Public Service Enterprise Group Incorporated Public Storage PulteGroup , Inc . QLogic Corporation QUALCOMM Incorporated Quest Diagnostics Incorporated Questar Corporation Qwest Communications International Inc R . R . Donnelley & Sons Company RadioShack Corporation Range Resources Corporation Raytheon Company Regions Financial Corporation Republic Services , Inc . Reynolds American Inc . Robert Half International Inc . Rockwell Automation , Inc . Rockwell Collins , Inc . Rohm & Haas Co . Rowan Cos . Plc Class A Ryder System , Inc . Safeway Inc . salesforce . com , inc . SanDisk Corporation Sara Lee Corp . Schering - Plough Corp . Schlumberger NV Scripps Networks Interactive , Inc . Class A Sealed Air Corporation Sears Holdings Corporation Sempra Energy Sherwin - Williams Company Sigma - Aldrich Corporation Simon Property Group , Inc . SLM Corp Smith International Snap - on Incorporated Southern Company Southwest Airlines Co . Southwestern Energy Company Sovereign Bancorp Inc . Spectra Energy Corp Sprint Nextel Corporation St . Jude Medical , Inc . Staples , Inc . Starbucks Corporation Starwood Hotels & Resorts Worldwide , Inc . State Street Corporation Stericycle , Inc . Stryker Corporation Sun Microsystems Sunoco Inc . SunTrust Banks , Inc . SUPERVALU INC . Symantec Corporation Sysco Corporation T . Rowe Price Group

0 . 04 0 . 02 0 . 07 0 . 07 0 . 22 0 . 03 0 . 09 0 . 15 0 . 23 0 . 11 0 . 07 2 . 36 0 . 13 0 . 13 0 . 05 0 . 16 0 . 19 0 . 13 0 . 03 0 . 02 0 . 76 0 . 11 0 . 07 0 . 07 0 . 04 0 . 02 0 . 07 0 . 27 0 . 07 0 . 10 0 . 09 0 . 04 0 . 06 0 . 08 0 . 10 0 . 02 0 . 03 0 . 13 0 . 04 0 . 03 0 . 09 0 . 35 0 . 65 0 . 03 0 . 03 0 . 03 0 . 13 0 . 08 0 . 07 0 . 15 0 . 05 0 . 06 0 . 03 0 . 37 0 . 08 0 . 13 0 . 02 0 . 12 0 . 07 0 . 15 0 . 16 0 . 09 0 . 04 0 . 22 0 . 06 0 . 12 0 . 04 0 . 06 0 . 13 0 . 04 0 . 14 0 . 18 0 . 12

124 , 305 73 , 075 201 , 550 222 , 359 654 , 639 98 , 042

267 , 379 441 , 651 702 , 512 318 , 235 224 , 622

7 , 083 , 139 402 , 326 383 , 985 141 , 603 492 , 363 566 , 525 382 , 436 89 , 639 65 , 982

2 , 276 , 244 315 , 626 217 , 571 204 , 633 106 , 832 57 , 307

205 , 000 811 , 019 211 , 370 305 , 417 261 , 491 123 , 955 175 , 065 237 , 476 296 , 230 68 , 950 82 , 769

391 , 051 128 , 882 83 , 272

265 , 583 1 , 062 , 371 1 , 943 , 079

76 , 034 90 , 512 82 , 998

398 , 563 225 , 158 203 , 199 460 , 399 159 , 595 192 , 246 86 , 803

1 , 099 , 810 244 , 696 381 , 686 62 , 261 369 , 088 200 , 622 435 , 335 490 , 585 267 , 008 125 , 724 651 , 946 171 , 015 371 , 375 108 , 272 194 , 900 401 , 419 118 , 640 433 , 751 527 , 439 351 , 422

32 . 1 16 . 2 25 . 5 34 . 7 49 . 0 45 . 4 42 . 4 30 . 7 59 . 4 59 . 5 22 . 6 61 . 8 39 . 9 14 . 8 13 . 9 30 . 3 29 . 2 79 . 5 10 . 9 13 . 4 35 . 8 51 . 9 32 . 7

3 . 6 13 . 6 11 . 9 34 . 4 51 . 0

8 . 0 24 . 8 20 . 2 20 . 8 32 . 2 39 . 1 61 . 8 15 . 9 38 . 8 23 . 8

8 . 0 9 . 6

49 . 0 17 . 0 42 . 3 22 . 0 14 . 9 38 . 9 42 . 6 59 . 8

9 , 952 114 , 577 10 , 096 25 , 927 10 , 195 16 , 271 19 , 422

4 , 811 8 , 201 4 , 909

63 , 529 6 , 080 6 , 656

56 , 218 7 , 867 4 , 800 5 , 961

15 , 890 26 , 554 12 , 320 12 , 974 5 , 954 5 , 430 6 , 075 4 , 794 4 , 336 2 , 134

16 , 451 16 , 105 8 , 674 5 , 426

62 , 382 45 , 903 3 , 456 6 , 058 2 , 135 9 , 349 3 , 768 4 , 811 8 , 872

17 , 932 8 , 399 2 , 204

29 , 725 28 , 387 13 , 175 20 , 893 23 , 449 109 , 630 13 , 208 27 , 376 28 , 225

7 , 024 16 , 576

3 , 284 9 , 296

28 , 343 4 , 485

13 , 589 8 , 126

32 , 082 22 , 992 9 , 916

42 . 2 51 . 9

8 . 9 22 . 9 39 . 4 37 . 0

8 . 6 29 . 0

3 . 0 15 . 7 1 . 8

33 . 0 17 . 9

9 . 5 17 . 9 39 . 3 52 . 1 40 . 0

3 . 8 43 . 5 29 . 5 14 . 6 13 . 5 22 . 9 35 . 4

Page 50: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 47

APPENDIX 1 - continued 48

Example MMACC embodiments ( initial purchases ) 2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )

Initial Purchase Price * Company Name Invested Shares 34 . 5 12 . 4

4 . 1 4 . 6

14 . 8 4 . 2

13 . 2 15 . 5 13 . 9 34 . 1 34 . 1 23 . 6 30 . 2

8 . 8 10 . 3 19 . 9 14 . 0 45 . 2 16 . 2 21 . 6

8 . 8 25 . 0 23 . 9

Target Corporation TECO Energy , Inc . Tellabs , Inc . Tenet Healthcare Corporation Teradata Corporation Teradyne , Inc . Tesoro Corporation Texas Instruments Incorporated Textron Inc . The Stanley Works Thermo Fisher Scientific Inc . Tiffany & Co . Time Warner Inc . Titanium Metals Corp . TJX Companies , Inc . Torchmark Corporation Total System Services , Inc . Travelers Companies , Inc . Tyco Electronics Ltd . Tyco International Ltd . Tyson Foods , Inc . Class A U . S . Bancorp Union Pacific Corporation United Parcel Service , Inc . Class B United States Steel Corporation United Technologies Corporation UnitedHealth Group Incorporated Unum Group UST Inc . V . F . Corporation Valero Energy Corporation Varian Medical Systems , Inc . VeriSign , Inc . Verizon Communications Inc . Viacom Inc . Class B Vornado Realty Trust Vulcan Materials Company W . W . Grainger , Inc . Walgreen Co . Wal - Mart Stores , Inc . Walt Disney Company Waste Management , Inc . Waters Corporation Watson Pharmaceuticals Inc . Weatherford International Ltd . WellPoint , Inc . Wells Fargo & Company Western Union Company Weyerhaeuser Company Whirlpool Corporation Whole Foods Market , Inc . Williams Companies , Inc . Windstream Corp . Wisconsin Energy Corporation Wyeth Wyndham Worldwide Corporation Wynn Resorts , Limited Xcel Energy Inc . Xerox Corporation Xilinx , Inc . XL Capital Ltd . XTO Energy Inc Yahoo ! Inc . YUM ! Brands , Inc . Zimmer Holdings , Inc . Zions Bancorporation

0 . 33 0 . 03 0 . 02 0 . 01 0 . 03 0 . 01 0 . 02 0 . 26 0 . 04 0 . 03 0 . 18 0 . 04 0 . 46 0 . 01 0 . 11 0 . 05 0 . 04 0 . 34 0 . 09 0 . 13 0 . 03 0 . 56 0 . 31 0 . 70 0 . 06 0 . 65 0 . 41 0 . 08 0 . 13 0 . 06 0 . 14 0 . 06 0 . 05 1 . 23 0 . 15 0 . 11 0 . 10 0 . 07 0 . 31 1 . 60 0 . 54 0 . 21 0 . 05 0 . 04 0 . 09 0 . 27 1 . 43 0 . 13 0 . 08 0 . 04 0 . 02 0 . 11 0 . 05 0 . 06 0 . 64 0 . 01 0 . 03 0 . 11 0 . 09 0 . 06 0 . 02 0 . 26 0 . 22 0 . 19 0 . 12 0 . 04

997 , 504 100 , 844 62 , 930 18 , 320

100 , 163 27 , 414 69 , 978 772 , 128 128 , 328 103 , 110 549 , 405 111 , 635

1 , 384 , 951 28 , 770

328 , 648 145 , 864 105 , 747

1 , 013 , 887 284 , 671 392 , 015 101 , 559

1 , 683 , 977 928 , 963

2 , 106 , 579 165 , 962

1 , 955 , 327 1 , 232 , 907 236 , 343 395 , 095 185 , 086 428 , 520 167 , 071 142 , 074

3 , 695 , 235 448 , 750 318 , 154 294 , 106 195 , 620 937 , 138

4 , 810 , 018 1 , 611 , 749 623 , 884 138 , 268 106 , 660 282 , 806 822 , 988

4 , 287 , 306 393 , 781 248 , 194 116 , 636 50 , 832 321 , 552 155 , 139 188 , 356

1 , 916 , 611 44 , 571 99 , 910

319 , 660 264 , 742 187 , 307 46 , 969

780 , 719 649 , 698 559 , 149 348 , 336 108 , 489

55 . 2 37 . 2 53 . 6 26 . 6 18 . 6 69 . 4 13 . 7 21 . 6 35 . 0 19 . 1 33 . 9 19 . 1 60 . 4 69 . 6 78 . 8 24 . 7 56 . 1 22 . 7 33 . 1 36 . 7 26 . 6 10 . 8 42 . 1 29 . 5 14 . 3 12 . 1 41 . 4

4 . 7 14 . 5

9 . 2 . 21 . 0 37 . 5

6 . 6 42 . 3 18 . 6

8 . 0 17 . 8 3 . 7

35 . 3 12 . 2 31 . 5 40 . 4 24 . 5

28 , 888 8 , 166

15 , 274 3 , 983 6 , 754 6 , 496 5 , 313

49 , 751 9 , 252 3 , 024

16 , 126 4 , 724

45 , 890 3 , 266

31 , 954 7 , 342 7 , 553

22 , 431 17 , 561 18 , 149 11 , 593 67 , 332 38 , 869 38 , 190

4 , 461 36 , 480 46 , 350 12 , 707 5 , 695

13 , 517 19 , 802 4 , 768 7 , 446

109 , 004 23 , 544

5 , 272 4 , 227 2 , 481

37 , 987 85 , 801 71 , 033 18 , 826

3 , 773 4 , 014

26 , 137 19 , 534

145 , 431 27 , 460 20 , 535 2 , 821

10 , 769 22 , 207 16 , 863 8 , 974

51 , 096 6 , 805 2 , 364

17 , 232 33 , 217 10 , 511 12 , 694 22 , 135 53 , 254 17 , 751 8 , 618 4 , 426

* Split adjusted for consistency * * - Companies that stop trading have their cash balances carried forward

Page 51: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 49 50

APPENDIX 2

Example MMACC embodiments ( 5 years of dividends ) 2008 Tranche - 5 Year Maturity

2009 - 2013 Dividend Income Row

Yi Divs P / S *

Y1 Div $ Rec ' d

Y2 Divs / S *

Y2 Div $ Rec ' d

Y3 Divs P / S *

Y3 Div $ Rec ' d

Y4 Divs P / S *

Y4 Div $ Rec ' d

Y5 Divs P / S *

Y5 Div $ Rec ' d Company Name P

Sum : 10 , 444 , 385 58 , 502 111 , 939

2 , 338 0 0

13 , 651 , 874 62 , 757 119 , 679

2 , 338

14 , 405 , 821 67 , 544

2 , 067 , 298 2 , 672

1 , 033 12 , 386 7 , 963

0 22 , 002

0 4 , 131

14 , 156 0

25 , 401 6 , 608

22 , 839 23 , 970 5 , 372

20 , 588 430 0

2 . 04 1 . 56 0 . 70 0 . 00 0 . 00 0 . 00 0 . 04 0 . 00 1 . 12 0 . 00 1 . 80 0 . 20 0 . 00 0 . 26 0 . 60 0 . 72 0 . 20 0 . 80 0 . 20 1 . 32 0 . 00 1 . 54 1 . 07 1 . 64 0 . 72 0 . 00 0 . 00 0 . 68 0 . 24 0 . 00 0 . 03 0 . 36 0 . 80 0 . 60 0 . 60 0 . 40

8 , 044 , 745 54 , 248 92 , 885

2 , 338 0 0 0

708 0

20 , 035 0

14 , 476 860

0 7 , 985 3 , 892 2 , 660 2 , 360

16 , 454 2 , 282

104 , 369 0

12 , 497 8 , 490

25 , 397 32 , 048

0 0

5 , 652 2 , 878

0 405

6 , 342 8 , 940 6 , 212 7 , 706 1 , 554

2 . 10 1 . 72 0 . 70 0 . 00 0 . 00 0 . 00 0 . 04 0 . 00 1 . 14 0 . 00 1 . 96 0 . 20 0 . 00 0 . 12 0 . 60 0 . 72 0 . 20 0 . 80 0 . 22 1 . 46 0 . 00 1 . 54 0 . 00 1 . 71 0 . 72 0 . 00 0 . 00 0 . 71 0 . 34 0 . 00 0 . 03 0 . 36 0 . 86 0 . 60 0 . 60 0 . 30

8 , 287 , 523 55 , 843 2 . 20

102 , 412 1 . 88 2 , 338 0 . 70

0 . 00 0 . 00

0 0 . 00 708 0 . 45

0 0 . 00 20 , 392 1 . 23

0 0 . 00 15 , 762 2 . 32

860 0 . 20 0 0 . 00

3 , 685 0 . 12 3 , 892 0 . 00 2 , 660 0 . 72 2 , 360 0 . 20

16 , 454 0 . 84 2 , 510 0 . 28

115 , 439 1 . 58 0 0 . 00

12 , 497 1 . 55 0 0 . 00

26 , 481 1 . 85 32 , 048 0 . 72 08 . 28 O 0 . 35

5 , 902 0 . 87 4 , 077 0 . 46

0 0 . 56 405 0 . 03

6 , 342 0 . 36 9 , 610 0 . 97 6 , 212 0 . 60 7 , 706 0 . 60 1 , 166 0 . 48

3 , 685 0

2 , 660 2 , 360

18 , 100 4 , 108

134 , 417 0

12 , 984

3M Company Abbott Laboratories Abercrombie & Fitch Co . Class A Adobe Systems Incorporated Advanced Micro Devices , Inc . AES Corporation Aetna Inc . Affiliated Computer Services Inc . CI A Aflac Incorporated Agilent Technologies , Inc . Air Products and Chemicals , Inc . AK Steel Holding Corporation Akamai Technologies , Inc . Alcoa Inc . Allegheny Energy Allegheny Technologies Incorporated Allergan , Inc . Allstate Corporation Altera Corporation Altria Group , Inc . Amazon . com , Inc . Ameren Corporation American Capital , Ltd . American Electric Power Company , Inc . American Express Company American International Group , Inc . American Tower Corporation Ameriprise Financial , Inc . AmerisourceBergen Corporation Amgen Inc . Amphenol Corporation Class A Anadarko Petroleum Corporation Analog Devices , Inc . Aon plc Apache Corporation Apartment Investment and Management Company C Apollo Education Group , Inc . Class A Apple Inc . Applied Materials , Inc . Archer - Daniels - Midland Company Assurant , Inc . AT & T Inc . Autodesk , Inc . Automatic Data Processing , Inc . AutoNation , Inc . AutoZone , Inc . Avalon Bay Communities , Inc . Avery Dennison Corporation Avon Products , Inc . Baker Hughes Incorporated Ball Corporation Bank of America Corporation Bank of New York Mellon Corporation Baxter International Inc . BB & T Corporation Becton , Dickinson and Company Bed Bath & Beyond Inc . Bemis Company , Inc Best Buy Co . , Inc . Big Lots , Inc . Biogen Idec Inc . BJ Services Co Black & Decker Corporation BMC Software , Inc . Boeing Company Boston Properties , Inc . Boston Scientific Corporation Bristol - Myers Squibb Company Broadcom Corporation Class A

2 . 36 2 . 01 0 . 70 0 . 00 0 . 00 0 . 04 0 . 70 0 . 00 1 . 34 0 . 40 2 . 56 0 . 10 0 . 00 0 . 12 0 . 00 0 . 72 0 . 20 0 . 88 0 . 36 1 . 70 0 . 00 1 . 60 0 . 00 1 . 88 0 . 78 0 . 00 0 . 90 1 . 43 0 . 60 1 . 44 0 . 21 0 . 36 1 . 20 0 . 62 0 . 66 0 . 76

3 , 685 0

2 , 660 2 , 360

20 , 568 5 , 706

145 , 486

2 . 54 34 . 72 0 . 80 0 . 00 0 . 00 0 . 16 0 . 80 0 . 00 1 . 42 0 . 49 2 . 84 0 . 00 0 . 00 0 . 12 0 . 00 0 . 72 0 . 20 1 . 00 0 . 50 1 . 84 0 . 00 1 . 60 0 . 00 1 . 95 0 . 86 0 . 20 1 . 10 2 . 01 0 . 87 1 . 88 0 . 31 0 . 54 1 . 36 0 . 68 0 . 77 0 . 96

18 , 657 860

0 3 , 685

0

2 , 660 2 , 360

17 , 277 3 , 195

124 , 928 0

12 , 619 0

28 , 649 32 , 048 42 , 696 5 , 328 7 , 231 5 , 515

22 , 769 405

6 , 342 10 , 840 6 , 212 7 , 706 1 , 865

12 , 984

29 , 114 34 , 719

0

26 13 , 701 11 , 886 7 , 194

58 , 549 2 , 833 6 , 342 13 , 410 6 , 445 8 , 476 2 , 953

30 , 198 38 , 279

1 , 032 16 , 745 16 , 707 10 , 371 76 , 439 4 , 115 9 , 513

15 , 198 7 , 066 9 , 889 3 , 731

0 0

15 , 961 16 , 124 3 , 160

388 , 970 0

28 , 748 0

180 , 799 18 , 020 17 , 232 3 , 656

398 , 014

402 , 533 20 , 080 18 , 709 4 , 333

407 , 062

31 , 574 . . . 34 , 790

0 . 00 0 . 00 0 . 24 0 . 56 0 . 59 1 . 64 0 . 00 1 . 33 0 . 00 0 . 00 3 . 57 1 . 22 0 . 84 0 . 60 0 . 20 0 . 04 0 . 51 1 . 07 1 . 24 1 . 36 0 . 00 0 . 90 0 . 70 0 . 00 0 . 00 0 . 20 0 . 78 0 . 00 1 . 68 2 . 18 0 . 00 1 . 25 0 . 00

0 0 . 00 0 0 . 00

12 , 357 0 . 27 13 , 786 0 . 60 2 , 663 0 . 63

370 , 878 1 . 68 0 0 . 00

25 , 922 1 . 38 0 0 . 00 0 0 . 00

10 , 564 3 . 57 4 , 976 0 . 80

13 , 742 0 . 88 7 , 081 0 . 60 1 , 452 0 . 20 7 , 702 0 . 04

22 , 459 0 . 36 25 , 465 1 . 18 26 , 290 0 . 60 12 , 689 1 . 52

0 0 . 00 3 , 443 0 . 92 9 , 073 0 . 72

0 0 . 00 0 0 . 00

2 , 241 0 . 05 1 , 799 0 . 12

0 0 . 00 47 , 247 1 . 68 10 , 106 2 . 00

0 0 . 00 94 , 960 0 . 96

0 0 . 32

0 0 . 00 0 0 . 00

13 , 901 0 . 31 14 , 770 0 . 65

2 , 844 0 . 70 379 , 922 1 . 72

0 0 . 00 26 , 896 1 . 48

0 0 . 00 0 0 . 00

10 , 564 3 . 57 3 , 263 1 . 00

14 , 396 0 . 92 7 , 081 0 . 60 1 , 452 0 . 28 7 , 702 0 . 04

15 , 854 0 . 48 28 , 083 1 . 26 12 , 721 0 . 64 14 , 182 1 . 68

0 0 . 00 3 , 519 0 . 96 9 , 333 0 . 77

0 0 . 00 0 0 . 00

560 0 . 00 277 0 . 00

0 0 . 00 47 , 247 1 . 68

9 , 272 2 . 05 0 0 . 00

72 , 929 1 . 32 454 0 . 36

10 , 564 4 , 079

15 , 050 7 , 081 2 , 033 7 , 702

21 , 138 30 , 106 13 , 569 15 , 674

0 3 , 672 9 , 981

0

0 . 00 0 . 76 0 . 35 0 . 70 0 . 81 1 . 76 0 . 00 1 . 62 0 . 00 0 . 00 3 . 88 1 . 08 0 . 75 0 . 60 0 . 40 0 . 04 0 . 52 1 . 57 0 . 76 1 . 84 0 . 00 1 . 00 0 . 66 0 . 00 0 . 00 0 . 00 0 . 00 0 . 00 1 . 76 2 . 30 0 . 00 1 . 36 0 . 40

11 , 481 4 , 405

12 , 269 7 , 081 2 , 904 7 , 702

22 , 900 37 , 364 16 , 114 17 , 214

0 3 , 825 8 , 555

0 . 00 1 . 69 0 . 39 0 . 76 0 . 96 1 . 80 0 . 00 1 . 78 0 . 00 0 . 00 4 . 28 1 . 14 0 . 24 0 . 60 0 . 52 0 . 04 0 . 58 1 . 92 1 . 12 2 . 03 0 . 00 1 . 04 0 . 68 0 . 00 0 . 00 0 . 00 0 . 00 0 . 00 1 . 94 4 . 85 0 . 00 1 . 76 0 . 44

12 , 665 4 , 650 3 , 926 7 , 081 3 , 775 7 , 702

25 , 542 45 , 694 23 , 746 18 , 940

3 , 978 8 , 814

. . . . . . . . . OOOOO . . . . . . ooo

47 , 247 9 , 504

0 100 , 278

6 . 136

0 49 , 497 10 , 663

0 103 , 317

6 , 818

54 , 559 22 , 485

0 133 , 704

7 , 499

Page 52: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2

APPENDIX 2 - continued Example MMACC embodiments ( 5 years of dividends )

2008 Tranche - 5 Year Maturity

2009 - 2013 Dividend Income Row

Y2 Yi Divs P / S *

Yi Div $ Rec ' d

Divs Y2Y3

Div $ Divs Rec ' d P / S *

Y3 Div $ Rec ' d

Y4 Divs P / S *

Y4Y5 Div $ Divs Rec ' d

Y5 Div $ Rec ' d Company Name P / S * P / S *

4 , 931 5 , 957 0

4 , 376 17 , 235 2 , 513 6 , 298 2 , 419 476

27 , 976 0

2 . 969 8 , 701

15 , 116 635

3 , 122 9 , 090

15 , 116 952

8 , 092 7 , 891

8 , 356 0

2 , 665 6 , 753 2 , 419 476

0 8 , 803 3 , 006

10 , 488 6 , 708

39 , 816 0

5 , 218 0

10 , 301

2 , 817 7 , 792 2 , 872

476 0

9 , 158 3 , 006

11 , 592 16 , 770 41 , 668

0 9 , 132

0 10 , 433

0 38 , 890

0 5 , 218

0 10 , 037

0 10 , 760

11 , 448 3 , 006

13 , 317 25 , 155 57 , 410

0

11 , 480 0

10 , 698 0

11 , 145

4 , 753 14 , 279 16 , 318 16 , 770 39 , 816

0 12 , 524

0

10 , 962 0

8 , 301 11 , 145 0

0 . 77 1 . 60 0 . 66 0 . 97 0 . 16 0 . 03 0 . 00 1 . 02 0 . 52

10 . 42 0 . 00 1 . 68 0 . 00 0 . 20 0 . 00 0 . 76 0 . 00 2 . 80 0 . 00 0 . 40 0 . 24 0 . 30 2 . 66 1 . 40 0 . 00 0 . 04 1 . 57 0 . 47 0 . 00 0 . 02 0 . 10 0 . 00 1 . 92 0 . 92 0 . 50 0 . 23 0 . 82 0 . 30 0 . 00

873

1 . 48 0 . 00 0 . 70 1 . 04 0 . 16 0 . 03 0 . 00 1 . 11 0 . 20 0 . 76 0 . 40 1 . 72 0 . 00 0 . 00 0 . 20 0 . 00 0 . 78 0 . 00 2 . 90 0 . 00 0 . 40 0 . 24 0 . 30 2 . 84 1 . 48 0 . 00 0 . 04 1 . 59 0 . 97 0 . 00 0 . 00 0 . 00 0 . 00 2 . 10 0 . 92 0 . 66 0 . 53 0 . 88

10 . 39 0 . 00

873 8 , 618 6 , 227

221 , 435 20 , 202

0 . 87 0 . 00 0 . 74 1 . 20 0 . 19 0 . 03 0 . 00 1 . 16 0 . 20 0 . 84 1 . 00 1 . 80 0 . 00 0 . 35 0 . 00 0 . 79 0 . 00 2 . 90 0 . 00 1 . 00 0 . 24 0 . 25 3 . 09 1 . 56 0 . 00 0 . 04 1 . 60 0 . 54 0 . 18 0 . 00 0 . 03 0 . 00 2 . 30 1 . 12 0 . 84 0 . 83 0 . 94 0 . 51 0 . 00

11 , 145 0

2 , 182 8 , 618 5 , 189

240 , 927 21 , 294

4 . 95 0 . 00 0 . 78 1 . 34 1 . 00 0 . 04 0 . 00 1 . 45 0 . 20 0 . 97 1 . 50 2 . 48 0 . 00 0 . 44 0 . 00 0 . 81 0 . 00 2 . 90 0 . 00 1 . 60 0 . 24 0 . 35 3 . 51 1 . 64 0 . 00 0 . 04 1 . 62 0 . 64 0 . 50 0 . 00 0 . 04 0 . 00 2 . 48 3 . 69 0 . 96 1 . 13 1 . 02 0 . 64 0 . 00

3 . 491 8 , 618 7 , 264

273 , 675 22 , 386

1 . 05 0 . 00 0 . 82 1 . 40 1 . 00 0 . 06 0 . 00 0 . 60 0 . 95 1 . 18 1 . 00 1 . 72 0 . 00 0 . 48 0 . 00 0 . 83 0 . 00 2 . 16 0 . 00 2 . 20 0 . 24 0 . 35 3 . 90 1 . 76 0 . 00 0 . 04 1 . 65 0 . 77 0 . 51 0 . 00 0 . 04 0 . 00 2 . 70 4 . 40 1 . 02 1 . 31 1 . 12 0 . 80 0 . 00

4 , 800 8 , 618 7 , 264

304 , 083 24 , 024

0 422

10 , 312 3 , 882

114 , 592

0

8 , 618 6 , 227

207 , 400 19 , 110

0 422

9 , 783 2 , 370

0 277

2 , 091

0 422

9 , 907 4 , 891

OOOO 422

10 , 001 2 , 723

40 , 444 0

627

Brown - Forman Corporation Class B Burlington Northern C . R . Bard , Inc . C . H . Robinson Worldwide , Inc . CA , Inc . Cabot Oil & Gas Corporation Cameron International Corporation Campbell Soup Company Capital One Financial Corporation Cardinal Health , Inc . Carnival Corporation Caterpillar Inc . CB Richard Ellis Group Inc . CBS Corporation Class B Celgene Corporation CenterPoint Energy , Inc . Centex Corp . CenturyLink , Inc . Cephalon Inc CF Industries Holdings , Inc . Charles Schwab Corporation Chesapeake Energy Corporation Chevron Corporation Chubb Corporation Ciena Corporation Cigna Corporation Cincinnati Financial Corporation Cintas Corporation Cisco Systems , Inc . CIT Group Inc . ( Old ) Citigroup Inc . Citrix Systems , Inc . Clorox Company CME Group Inc . Class A CMS Energy Corporation Coach , Inc . Coca - Cola Company Coca - Cola Enterprises , Inc . Cognizant Technology Solutions Corporation Class A Colgate - Palmolive Company Comcast Corporation Class A Comerica Incorporated Computer Sciences Corporation Compuware Corporation ConAgra Foods , Inc . ConocoPhillips CONSOL Energy Inc . Consolidated Edison , Inc . Constellation Brands , Inc . Class A Constellation Energy Group Inc . Convergys Corporation Cooper Industries PLC CI A Corning Incorporated Costco Wholesale Corporation Coventry Health Care Inc . Covidien Plc CSX Corporation Cummins Inc . CVS Health Corporation D . R . Horton , Inc . Danaher Corporation Darden Restaurants , Inc . DaVita Health Care Partners Inc . Dean Foods Company Deere & Company Dell Inc . DENTSPLY International Inc . Developers Diversified Realty Corp . Devon Energy Corporation DirecTV Group Inc .

422 10 , 094 3 , 227

112 , 345 0

836 836 0 0

11 , 178 11 , 825

10 , 220 11 , 825 4 , 341 2 , 823

125 , 220 3 , 651

0

12 , 243 14 , 395 7 , 292

10 , 350 143 , 544

6 , 207

13 , 201 47 , 453

8 , 334 14 , 114

155 , 761 7 , 789

0

14 , 372 56 , 553 8 , 855

16 , 467 171 , 032

9 . 737

6 , 587 134 , 382 126 , 457

0 0

1 . 33 33 , 314 29 , 286 1 , 155

0 . 78 47 , 259 84 , 265

3 , 176 4 , 650

0

43 , 967 60 . 174

2 , 310 4 . 650

0 15 , 956

151 , 034 2 , 955

25 , 202

51 , 520 86 , 199 3 , 927 4 , 650 3 , 547

17 , 157 154 , 467

2 , 607 25 , 833

13 , 211 109 , 271

2 , 781 24 , 782

16 , 642 1 , 125 , 035

4 , 346 25 , 412

0 1 , 643 6 , 573 0

1 , 124

39 , 318 41 , 774

1 , 444 2 , 907

0 14 , 240 123 , 001

2 , 781 24 , 992

0 6 , 573

0 7 , 183

11 . 930 13 , 170

0 14 , 301 14 , 835 6 , 762

19 , 290 1 , 586 1 , 570 6 , 069

703 1 . 16

6 , 573 0

7 , 715 13 , 421 15 , 324

7 , 715

0 . 86 0 . 27 0 . 20 0 . 00 0 . 00 0 . 77 1 . 91 0 . 40 2 . 36 0 . 00 0 . 96 0 . 00 1 . 00 0 . 20 0 . 70 0 . 00 0 . 66 0 . 29 0 . 70 0 . 31 0 . 15 0 . 06 0 . 90 0 . 00 0 . 00 1 . 12 0 . 00 0 . 20 0 . 44 0 . 64 0 . 00

1 .

1 . 02 0 . 38 0 . 25 0 . 50 0 . 00 0 . 83 2 . 15 0 . 40 2 . 38 0 . 00 0 . 96 0 . 00 1 . 08 0 . 20 0 . 79 0 . 00 0 . 74 0 . 33 0 . 88 0 . 35 0 . 15 0 . 08 1 . 14 0 . 00 0 . 00 1 . 23 0 . 00 0 . 20 0 . 08 0 . 64 0 . 00

6 , 651 11 , 930 11 , 596

0 12 , 754 13 . 321 5 , 410

16 , 810 1 , 586 1 , 276 4 . 792

0

1 . 14 0 . 54 0 . 40 0 . 80 0 . 00 0 . 93 2 . 64 0 . 42 2 . 40 0 . 00 0 . 00 0 . 96 0 . 00 1 . 16 0 . 23 0 . 92 0 . 00 0 . 83 0 . 45 1 . 32 0 . 50 0 . 15 0 . 09 1 . 50 0 . 00 0 . 00 1 . 58 0 . 00 0 . 20 0 . 22 0 . 67 0 . 00

1 . 22 0 . 76 0 . 55 0 . 80 0 . 00 0 . 97

19 . 66 0 . 63 2 . 42 0 . 00 0 . 24 0 . 15 1 . 14 0 . 31 8 . 07 0 . 50 1 . 19 0 . 54 1 . 80 0 . 65 0 . 30 0 . 10 1 . 86 0 . 00 0 . 00 1 . 84 0 . 16 0 . 22 0 . 48 0 . 80 0 . 00 0 . 00

15 , 943 20 , 284 10 , 240 27 , 558 1 , 586 1 , 766 7 , 986

7 , 582 18 , 789 133 , 605

2 , 859 23 , 093 24 , 523 13 , 910 35 , 825

3 , 172 1 , 962 9 , 903

0 . 68 0 . 80 0 . 38 1 . 00 2 . 70 0 . 38 2 . 46 0 . 00 0 . 00 0 . 24 0 . 00 0 . 39 1 . 21 0 . 13 6 . 52 0 . 59 2 . 25 0 . 90 0 . 00 0 . 10 2 . 10 0 . 00

21 . 84 2 . 04 0 . 37 0 . 25 0 . 54 0 . 86 0 . 00 0 . 00

23 , 263 19 , 962

715 125 , 975 26 , 794 17 , 388 49 , 604

0 1 , 962

11 , 180

0 25 , 890

0 18 , 352

0 1 , 143 2 , 031

10 , 851

0 20 , 155

0 1 , 143 369

10 , 851 0

1 , 172

64 , 507 33 , 427 24 , 572 1 , 429 2 , 492

14 , 580

30 , 150 10 , 626

1 , 258 2 , 215

13 , 563 0

1 , 015 11 , 359

0

Page 53: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 53 54

APPENDIX 2 - continued Example MMACC embodiments ( 5 years of dividends )

2008 Tranche - 5 Year Maturity

2009 - 2013 Dividend Income Row

Y1 Y2 Y3 Y3 Y4 Y4 Y5 Y5 Y1 Yi Divs P / S *

Yi Div $ Rec ' d

Divs Y2 Y2Y2Y3

Div $ Divs P / S * Rec ' d P / S *

Y3 Div $ Rec ' d

Y4 Divs P / S *

Y4 Div $ Rec ' d

Y5 Divs P / S *

Y5 Div $ Rec ' d Company Name

1 , 473 40 , 825

7 , 636 21 , 270

8 , 762 13 , 638 47 , 098

2 , 897

5 , 157 43 , 949 8 , 420

31 , 905 11 , 779 14 , 530 48 , 069 2 , 979

8 , 103 47 , 072 9 , 491

42 , 894 13 , 240 15 , 108 49 , 041

3 , 145 749

0 58 , 868

13 , 629 50 , 195 10 , 347 45 , 376 14 , 797 16 , 172 50 , 012

3 , 310 0 0

61 , 638 6 , 960

56 , 790 5 , 512

0

17 , 212 0

19 , 237 21 , 262 0 0

1 , 473 39 , 041 7 , 279

21 , 270 1 , 460

13 , 263 45 , 642 2 , 814

0 0

56 , 790 4 , 900

0 12 , 656

0 3 , 700

15 , 566 4 , 305

0 75 , 254

7 , 499 0

39 , 003 544

21 , 798 5 , 459 776

4 , 419 17 , 120 2 , 445

53 , 021

56 , 790 4 , 983

0 13 , 668

0 4 , 118

15 , 816 1 , 076

0 75 , 254

0 . 74 2 . 25 1 . 45 1 . 28 1 . 52 2 . 58 3 . 09 1 . 60 0 . 00 0 . 00 1 . 78 1 . 25 0 . 00 1 . 68 0 . 00 0 . 96 1 . 37 0 . 00 0 . 00 1 . 96 0 . 00 0 . 20 1 . 66 2 . 25 3 . 32 0 . 37 0 . 88 0 . 12 1 . 85

4 , 665 16 , 066 1 , 076

0 75 , 254

5 , 340 16 , 410

269

6 , 209 17 , 098

OO 75 , 254

39 , 739 5 , 850

23 , 542 5 , 842 1 , 357 4 , 419

15 , 345 3 , 335

53 . 021 2 , 251

42 , 241 7 , 619

24 , 123 6 , 082 3 , 102 4 , 419

16 , 494 4 , 668

53 , 021 123 , 825

4 , 069

15 , 663 48 , 864 12 , 245 24 , 123

7 , 016 4 , 265 603

19 , 312 6 , 580

36 , 736 2 , 251 4 , 883

0 . 74

0

Discover Financial Services Dominion Resources , Inc . Dover Corporation Dow Chemical Company Dr Pepper Snapple Group , Inc . DTE Energy Company Duke Energy Corporation Dun & Bradstreet Corporation Dynegy Inc . E * TRADE Financial Corporation E . I . du Pont de Nemours and Company Eastman Chemical Company Eastman Kodak Company Eaton Corp . eBay Inc . Ecolab Inc . Edison International El Paso Corp . Electronic Arts Inc . Eli Lilly and Company Embarq Corp . EMC Corporation Emerson Electric Co . Ensco plc Entergy Corporation EOG Resources , Inc . Equifax Inc . Equitable Resources Inc . Equity Residential Estee Lauder Companies Inc . Class A Exelon Corporation Expedia , Inc . Expeditors International of Washington , Inc . Express Scripts Holding Company Exxon Mobil Corporation Family Dollar Stores , Inc . Fastenal Company Federated Investors , Inc . Class B FedEx Corporation Fidelity National Information Services , Inc . Fifth Third Bancorp First Horizon National Corporation FirstEnergy Corp . Fiserv , Inc . Flowserve Corporation Fluor Corporation Ford Motor Company Forest Laboratories , Inc . Fortune Brands Inc . FPL Group Inc . Franklin Resources , Inc . Freeport - McMo Ran , Inc . Frontier Communications Corporation Class B GameStop Corp . Class A Gannett Co . , Inc . Gap , Inc . General Dynamics Corporation General Electric Company General Mills , Inc . General Motors Corporation Genuine Parts Company Genworth Financial , Inc . Class A Genzyme Corp . Gilead Sciences , Inc . Goldman Sachs Group , Inc . Goodrich Corp . Goodyear Tire & Rubber Company Google Inc . Class A Graham Holdings Co . H & R Block , Inc . H . J . Heinz Company

0

0 . 08 1 . 75 1 . 02 0 . 60 0 . 15 2 . 12 2 . 82 1 . 36 0 . 00 0 . 00 1 . 64 0 . 88 0 . 00 1 . 00 0 . 00 0 . 57 1 . 24 0 . 16 0 . 00 1 . 96 1 . 38 0 . 00 1 . 32 0 . 10 3 . 00 0 . 28 0 . 16 0 . 88 1 . 64 0 . 28 2 . 10 0 . 00 0 . 38 0 . 00 1 . 66 0 . 54 0 . 36 0 . 96 0 . 44 0 . 20 0 . 04 0 . 00 2 . 20 0 . 00 0 . 36 0 . 50 0 . 00 0 . 00 1 . 01 1 . 89 1 . 28 0 . 00 1 . 00 0 . 00 0 . 16 0 . 34 1 . 49 0 . 61 0 . 90 0 . 00 1 . 60 0 . 00 0 . 00 0 . 00 1 . 52 1 . 02 0 . 00 0 . 00 8 . 60 0 . 60 1 . 68

75 , 254 0 0

47 , 392 8 , 163

24 , 123 6 , 417 3 , 490 4 , 419

18 , 581 6 , 402

53 , 021 3 , 858 4 , 557

0

425 , 538 4 , 504

12 , 298 8 , 396 6 , 569 5 , 833 7 , 978

0 . 08 1 . 83 1 . 07 0 . 60 0 . 90 2 . 18 2 . 91 1 . 40 0 . 00 0 . 00 1 . 64 0 . 90 0 . 00 1 . 08 0 . 00 0 . 64 1 . 27 0 . 04 0 . 00 1 . 96 0 . 00 0 . 00 1 . 35 1 . 07 3 . 24 0 . 30 0 . 28 0 . 88 1 . 47 0 . 38 2 . 10 0 . 56 0 . 40 0 . 00 1 . 74 0 . 62 0 . 62 2 . 22 0 . 47 0 . 20 0 . 04 0 . 00 2 . 20 0 . 00 0 . 39 0 . 50 0 . 00 0 . 00 0 . 76 2 . 00 0 . 30 0 . 95 0 . 88 0 . 00 0 . 16 0 . 38 1 . 64 0 . 46 1 . 05 0 . 00 1 . 64 0 . 00 0 . 00 0 . 00 1 . 40 1 . 10 0 . 00 0 . 00 9 . 00 0 . 60 1 . 77

3 , 092 0

324 , 034 2 , 895 3 , 570 3 , 263 5 , 255 1 , 458 886

0 25 , 736

0 2 , 343 3 , 483

0 . 28 1 . 97 1 . 18 0 . 90 1 . 21 2 . 32 2 . 97 1 . 44 0 . 00 0 . 00 1 . 64 0 . 99 0 . 00 1 . 36 0 . 00 0 . 73 1 . 28 0 . 04 0 . 00 1 . 96 0 . 00 0 . 00 1 . 43 1 . 40 3 . 32 0 . 32 0 . 64 0 . 88 1 . 58 0 . 53 2 . 10

30 . 81 0 . 50 0 . 00 1 . 85 0 . 72 0 . 65 0 . 96 0 . 51 0 . 20 0 . 28 0 . 04 2 . 20 0 . 00 0 . 43 0 . 50 0 . 00 0 . 00

13 . 06 2 . 20 1 . 01 1 . 50 0 . 75 0 . 00 0 . 24 0 . 55 1 . 83 0 . 61 1 . 17 0 . 00 1 . 80 0 . 00 0 . 00 0 . 00 1 . 40 1 . 16 0 . 00 0 . 00 9 . 40 0 . 65 1 . 89

0 339 , 650

3 , 324 6 , 149 7 , 546 5 , 614 1 , 458

0 . 44 2 . 11 1 . 33 1 . 21 1 . 36 2 . 42 3 . 03 1 . 52

23 . 41 0 . 00 1 . 70 1 . 08 0 . 00 1 . 52 0 . 00 0 . 83 1 . 31 0 . 01 0 . 00 1 . 96 0 . 00 0 . 00 1 . 61 1 . 50 3 . 32 0 . 34 0 . 72 0 . 88 1 . 78 0 . 72 2 . 10 0 . 96 0 . 56 0 . 00 2 . 18 0 . 84 1 . 24 2 . 47 0 . 55 0 . 80 0 . 36 0 . 04 2 . 20 0 . 00 0 . 48 0 . 64 0 . 20 0 . 00 0 . 82 2 . 40 1 . 37 1 . 19 0 . 40 0 . 80 0 . 80 0 . 61 2 . 51 0 . 70 1 . 27 0 . 00 1 . 98 0 . 00 0 . 00 0 . 00 1 . 77 0 . 58 0 . 00 0 . 00

19 . 60 0 . 80 2 . 02

361 , 122 3 , 861 6 , 447 3 , 263 6 , 091 1 . 458 6 , 205

360 25 , 736

0 2 , 777 3 , 482

0

1 . 46 0 . 56 0 . 60 0 . 00 2 . 46 1 . 04 0 . 80 0 . 98 0 . 59 0 . 88 0 . 47 0 . 20 2 . 20 0 . 00 0 . 56

480 , 194 5 , 576 7 , 934 3 , 331 7 , 047 6 , 416

10 , 416 1 , 802

25 , 736

886 360

0

0 . 64

25 , 736 0

2 , 517 3 , 483

0 0

4 , 372 31 . 370

5 , 282 27 . 536 10 , 454

. . . . 0 0

5 , 810 29 . 645 22 , 348

0 11 , 947

0 1 , 401 6 , 084

22 , 290 245 , 870 23 , 080

0 9 , 789

0 0

25 , 736 0

3 , 124 4 , 458

18 , 336 0

4 , 718 37 , 644 23 , 799 34 , 420

4 , 779 5 , 028 7 , 003

10 . 960 37 , 550

282 , 145 32 , 569

75 , 134 34 , 507 17 , 530 43 , 478 8 , 960

0 2 , 101 9 , 842

27 , 377 245 , 870 30 , 005

0 11 , 012

1 , 401 6 . 889

24 , 534 185 , 410 26 , 927

0 10 , 034

3 , 645 4 , 458

36 , 668 0

5 , 178 41 , 408

7 , 198 65 , 216

4 , 779 6 , 913 7 , 003 8 , 947

25 , 133 318 , 421 36 , 416

0 . 40 0 . 00 0 . 90 2 . 64 0 . 41 2 . 25 0 . 40 1 . 10 0 . 80 0 . 50 1 . 68 0 . 79 1 . 42 0 . 00 2 . 15 0 . 00 0 . 00 0 . 00 2 . 05 0 . 00 0 . 05 0 . 00 0 . 00 0 . 80 0 . 51

12 , 114 13 , 154 NOOO 0 OO 34 , 786 25 , 736

4 , 818 0

23 , 757 5 , 196

23 , 757 5 , 480

30 , 035 2 , 740

0 o

463

1 , 978 7 , 804

20 , 212

2 , 070 7 , 804

21 , 359

0 2 , 162 8 , 455

22 , 807

4 , 508 10 , 406 24 , 436

10 , 406 6 , 214 c

D

Page 54: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 55 56

APPENDIX 2 - continued Example MMACC embodiments ( 5 years of dividends )

2008 Tranche - 5 Year Maturity

2009 - 2013 Dividend Income Row

Y2 Yi Divs P / S *

Yi Div $ Rec ' d

Divs Y2Y3

Div $ Divs Rec ' d P / S *

Y3 Div $ Rec ' d

Y4 Divs P / S *

Y4Y5 Div $ Divs Rec ' d P / S *

Y5 Div $ Rec ' d Company Name P / S *

12 , 347 3 , 574

0 4 , 855 2 , 312 4 , 516

18 , 035 8 , 147 4 , 354

30 , 075 61 , 485 33 , 724

0 802

12 , 002

0 . 52 0 . 84 0 . 90 1 . 58 0 . 50 1 . 20 2 . 10

12 , 347 5 , 540 1 , 011 7 , 231 4 , 625 8 , 272

19 , 392 9 , 929 4 , 354

48 , 496 75 , 473 42 , 573

1 . 81

12 , 347 4 , 244 449

5 , 475 4 , 625 5 , 467

18 , 616 8 , 784 4 , 354

41 , 354 67 , 666 38 , 183

0 2 , 807 7 , 801 4 , 856 1 , 405

21 , 146

29020 18 , 006 7 , 505 2 , 022 8 , 161 5 , 781 5 , 705

20 , 362 11 , 521 7 , 620

53 , 346 101 , 498 46 , 823

0

9 , 224 4 , 001 6 , 927 2 , 669

24 , 166 562

19 , 635

6 , 016 6 , 401 6 , 668 2 . 248

22 , 354 0

7 , 829 7 , 978

185 , 695

0 932 3 . 425

134 , 469 0

0 . 36 0 . 40 0 . 01 2 . 43 0 . 20 0 . 80 1 . 84 1 . 19 0 . 40 0 . 32 0 . 90 1 . 21 0 . 00 0 . 25 0 . 59 0 . 00 0 . 04 1 . 24 0 . 12 0 . 50 2 . 72 0 . 56 0 . 00 2 . 15 1 . 00 0 . 38 0 . 32 0 . 00 0 . 00 0 . 00 0 . 41 1 . 70 0 . 80 1 . 37 0 . 28 0 . 00 0 . 04 0 . 00 1 . 93 0 . 52 0 . 20 0 . 53 0 . 00 0 . 25 1 . 43 0 . 09 2 . 40 0 . 72 0 . 00 0 . 60 0 . 00 1 . 16 0 . 37 1 . 40 0 . 00

128 , 887 3 , 139 2 , 714 6 , 5

O

5 . 260 7 , 978

166 , 998 0

149 , 509 3 , 501 2 , 714

15 , 997 4 , 389 1 , 842

0 7 , 054

270 , 606 6 , 821 8 , 363 2 , 344

170 , 132 3 , 923 2 , 827

17 , 843 4 , 389 7 , 615

186 , 594 7 , 978

192 , 099 1 , 802

190 , 754 4 , 406 4 , 297

20 , 509 5 , 486 8 , 597

0 0

Halliburton Company Harley - Davidson , Inc . Harman International Industries , Incorporated Harris Corporation Hartford Financial Services Group , Inc . Hasbro , Inc . HCP , Inc . Hershey Company Hess Corporation Hewlett - Packard Company Home Depot , Inc . Honeywell International Inc . Hospira , Inc . Host Hotels & Resorts , Inc . Hudson City Bancorp , Inc . Humana Inc . Huntington Bancshares Incorporated Illinois Tool Works Inc . IMS Health Inc . Ingersoll - Rand Plc Integrys Energy Group , Inc . Intel Corporation IntercontinentalExchange , Inc . International Business Machines Corporation International Flavors & Fragrances Inc . International Game Technology International Paper Company Interpublic Group of Companies , Inc . Intuit Inc . Intuitive Surgical , Inc . Invesco Ltd . ITT Corporation J . C . Penney Company , Inc . J . M . Smucker Company Jabil Circuit , Inc . Jacobs Engineering Group Inc . Janus Capital Group Inc . JDS Uniphase Corporation Johnson & Johnson Johnson Controls , Inc . Jones Apparel Group Inc . JPMorgan Chase & Co . Juniper Networks , Inc . KB Home Kellogg Company KeyCorp Kimberly - Clark Corporation Kimco Realty Corporation King Pharmaceuticals KLA - Tencor Corporation Kohl ' s Corporation Kraft Foods Inc . Kroger Co . L - 3 Communications Holdings , Inc . Laboratory Corporation of America Holdings Legg Mason , Inc . Leggett & Platt , Incorporated Lennar Corporation Class A Leucadia National Corporation Lexmark International , Inc . Class A Life Technologies Corporation Limited Brands Inc . Lincoln National Corporation Linear Technology Corporation Lockheed Martin Corporation Loews Corporation Lorillard , Inc . Lowe ' s Companies , Inc . LSI Corporation M & T Bank Corporation Macy ' s Inc

9 , 455 1 , 268 3 , 410 9 , 090 2 , 587

12 , 347 0 . 36 3 , 574 0 . 40

28 0 . 00 12 , 576 0 . 94 2 , 312 0 . 20 3 , 803 0 . 95

17 , 841 1 . 86 7 , 574 1 . 28 4 , 354 0 . 40

30 , 075 0 . 32 58 , 557 0 . 94 33 , 724 1 . 21

0 0 . 00 0 . 00 5 , 013 0 . 04 11 , 802 0 . 60

0 0 . 00 562 0 . 04

18 , 729 1 . 30 837 0 . 00

6 , 116 0 . 28 7 , 978 2 . 72

119 , 528 0 . 63 0 0 . 00

110 , 843 2 . 50 3 , 018 1 . 04 4 , 354 0 . 24 5 , 332 0 . 40

0 0 . 00 0 . 00

0 0 . 00 6 , 020 0 . 43 5 , 9232 . 00 6 , 821 0 . 80 6 , 227 1 . 55 2 , 264 0 . 28

0 0 . 00 242 0 . 04

0 . 00 205 , 495 2 . 11

11 , 857 0 . 55 0 . 20

75 , 911 0 . 20 0 0 . 00

722 0 . 25 13 , 825 1 . 56 1 , 757 0 . 04

38 , 107 2 . 64 6 , 327 0 . 66

0 0 . 00 3 , 888 0 . 80

0 . 00 65 , 398 1 . 16

9 , 139 0 . 39 6 , 415 1 . 60

0 0 . 00 1 , 797 0 . 17 6 , 114 1 . 06 868 0 . 16

0 . 25 0 0 . 00 0 0 . 00

6 , 230 4 . 60 2 , 357 0 . 04 7 , 488 0 . 92

29 , 896 2 . 64 3 , 473 0 . 25

24 , 767 1 . 42 19 , 686 0 . 40

0 0 . 00 8 , 296 2 . 80 3 , 228 0 . 20

0 . 36 0 . 47 0 . 20 1 . 06 0 . 40 1 . 15 1 . 92 1 . 38 0 . 40 0 . 44 1 . 04 1 . 37 0 . 00 0 . 14 0 . 39 0 . 75 0 . 10 1 . 40 0 . 00 0 . 43 2 . 72 0 . 78 0 . 00 2 . 90 1 . 16 0 . 24 0 . 98 0 . 24 0 . 15 0 . 00 0 . 48

77 . 67 0 . 80 1 . 84 0 . 29 0 . 00 0 . 15 0 . 00 2 . 25 0 . 66 0 . 20 0 . 80 0 . 00 0 . 25 1 . 67 0 . 10 2 . 80 0 . 73 0 . 00 1 . 20 1 . 00 1 . 16 0 . 43 1 . 80 0 . 00 0 . 30 1 . 10 0 . 16 0 . 25 0 . 25 0 . 00 3 . 80 0 . 20 0 . 96 3 . 25 0 . 25 1 . 73 0 . 50 0 . 00 2 . 80 0 . 35

6 , 389 6 , 968 6 , 821 7 , 045 2 , 264

0 242

0 224 , 660 12 , 541

640 28 , 646

. . .

0 . 36 0 . 62 0 . 45 1 . 40 0 . 40 1 . 74 2 . 00 1 . 56 0 . 40 0 . 52 1 . 16 1 . 53 0 . 00 0 . 30 0 . 32 1 . 03 0 . 16 1 . 48 0 . 00 0 . 64 2 . 72 0 . 87 0 . 00 3 . 30 1 . 30 0 . 25 1 . 09 0 . 24 0 . 62 0 . 00 0 . 64 0 . 36 0 . 40 2 . 00 0 . 32 0 . 00 0 . 29 0 . 00 2 . 40 0 . 73 0 . 20 1 . 15 0 . 00 0 . 14 1 . 74 0 . 18 2 . 96 0 . 97 0 . 00 1 . 50 1 . 28

15 . 70 0 . 49 4 . 97 0 . 00 0 . 41 1 . 14 0 . 16 0 . 25 1 . 15 0 . 00 5 . 00 0 . 32 1 . 26 4 . 15 0 . 25 2 . 07 0 . 60 0 . 00 2 . 80 0 . 80

0

12 , 520 1 , 394

0 9 , 999 2 , 587

0 1 , 272 909

0 1 , 757

0 255 , 538 16 , 645

640 164 , 714

0 . 70 0 . 57 1 . 56 1 . 68 0 . 00 0 . 46 0 . 20 1 . 07 0 . 19 1 . 60 0 . 00

15 . 25 2 . 72 0 . 90 0 . 65 3 . 70 1 . 46 0 . 38 1 . 25 0 . 30 0 . 70 0 . 00 0 . 85 0 . 40 0 . 00 2 . 20 0 . 32 0 . 00 0 . 21 0 . 00 2 . 59 0 . 79 0 . 20 1 . 36 0 . 00 0 . 10 1 . 80 0 . 22 3 . 24 0 . 85 0 . 00 1 . 70 1 . 40 0 . 54 0 . 61 2 . 20 0 . 00 0 . 50 1 . 18 0 . 16 0 . 98 1 . 20 0 . 00 1 . 20 0 . 48 0 . 78 4 . 78 0 . 25 2 . 20 0 . 68 0 . 06 2 . 80 0 . 95

275 , 768 18 , 014

640 194 , 792

239 , 567 15 , 049

640 114 , 584

0 722

16 , 146 1 , 900

44 , 458 6 , 415

640

722 15 , 082

760 41 , 918

5 , 800 0

5 , 184 0

397 16 , 822 3 , 419

46 , 999 8 , 524

0 9 , 720

14 , 968 885 , 135 12 , 394 22 , 780

7 , 776 11 , 694 65 , 398 10 , 767 8 , 248

65 , 398 9 , 765 7 , 331

0 926

6 , 354 0 . 33

868 1 , 698

289 17 , 402 4 , 084

51 , 445 7 , 514

0 11 , 016 16 , 372 30 , 444 15 , 399 10 , 080

0 2 , 723 7 , 073 868

6 , 629 3 , 611

0 12 , 461 4 , 713 6 , 637

61 , 069 3 , 473

42 , 568 38 , 247 1 , 485 8 , 296

15 , 332

1 . 02 0 . 16 0 . 00 0 . 00 0 . 00 0 . 60 0 . 24 0 . 88 2 . 34 0 . 25 1 . 28 0 . 35 0 . 00 2 . 80 0 . 20

. .

1 , 634 6 , 593 868

1 , 698 752

0

39 , 459 1 , 964 8 , 169

41 , 522 3 , 473

33 , 538 28 , 123

47 , 766 393

7 , 828 33 , 729

3 , 473 27 , 411 22 , 498

2 , 233 6 , 833

868 1 , 698 3 , 460

0

51 , 920 3 , 142

10 , 721 53 , 020 3 , 473

39 , 988 33 , 748

8 , 296 3 , 228

8 , 296 5 , 649

8 , 296 12 , 911

Page 55: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 57

APPENDIX 2 - continued Example MMACC embodiments ( 5 years of dividends )

2008 Tranche - 5 Year Maturity

2009 - 2013 Dividend Income Row

Y2 Yi Divs P / S *

Yi Div $ Rec ' d

Divs Y2Y3

Div $ Divs Rec ' d P / S *

Y3 Div $ Rec ' d

Y4 Divs P / S *

Y4Y5 Div $ Divs Rec ' d P / S *

Y5 Div $ Rec ' d Company Name P / S *

400 582 , 156 24 , 148 16 , 966

400 26 , 806 2 , 361

15 , 980 400

4 , 143 784

1 , 666 11 , 417

400 18 , 412 5 , 575 17 , 755

0 4 , 143

0 2 , 916 17 , 056

0 . 08 0 . 72 0 . 64 0 . 96 0 . 00 0 . 30 0 . 00 0 . 21

400 19 , 495

7 , 281 18 , 939

0 4 , 143

200

0 4 , 143 196

1 , 666 12 , 655

5 , 832 19 , 807 1 . 44

0 5 , 288

96 , 662 11 , 345 6 , 988 6 , 162

6 , 336 122 , 753 42 , 483

8 , 470 29 , 367

400 25 , 994

985 15 , 782

400 6 , 353 784

1 , 666 10 , 316

0 0

4 , 889 87 , 681 10 , 862 5 , 082 6 , 031

0 25 , 640

0 123 , 320

1 , 248 22 , 536

9 , 472 0

152 , 660 0

3 , 297 5 , 255

21 , 763 0

2 , 982 17 , 796

0 7 , 310

0 5 , 737

108 , 211 12 , 069 8 , 259 6 , 555

0 40 , 123

0 . 08 21 . 50 2 . 12 0 . 86 0 . 02 0 . 30 0 . 06 0 . 06 0 . 92 0 . 00 0 . 00 1 . 15 2 . 53 1 . 00 0 . 78 1 . 00 0 . 00 0 . 93 0 . 00 1 . 56 1 . 15 0 . 74 1 . 04 0 . 00 0 . 68 0 . 00 0 . 78 1 . 24 1 . 14 0 . 00 0 . 53 0 . 20

26 . 90 1 . 10

0 . 00 0 . 00 1 . 39 3 . 12 1 . 12 0 . 88 1 . 00 0 . 00 1 . 10 0 . 00

6 , 935 133 , 446 13 , 517 9 , 317 6 , 555

0 47 , 203 36 , 904 54 , 284

0

0 . 08 0 . 96 0 . 09 0 . 80 0 . 04 0 . 46 0 . 24 0 . 06 0 . 75 0 . 00 0 . 00 0 . 98 2 . 05 0 . 90 0 . 48 0 . 92 0 . 00 0 . 60 0 . 00 1 . 52 0 . 90 0 . 74 1 . 36 0 . 00 0 . 52 0 . 00 0 . 61 0 . 92 1 . 03 0 . 00 0 . 40 0 . 44 0 . 00 1 . 00 0 . 00 0 . 00 0 . 00 1 . 10 0 . 32 0 . 00 0 . 00 0 . 26 0 . 40 0 . 12

1 . 73 123 , 320 1 , 276

22 , 536 11 , 971

126 , 566 1 , 592

22 , 536 7 , 266

0 199 , 632

1 . 63 1 . 01 1 . 42 0 . 00

140 , 358 2 , 261

30 , 759 9 , 877

0 284 , 770 0 . 97 161 , 467

0

3 , 419 6 , 169

22 , 604

3 , 131 8 . 151

0 7 , 675

Manitowoc Company , Inc . Marathon Oil Corporation Marriott International , Inc . Class A Marsh & McLennan Companies , Inc . Marshall & Ilsley Masco Corporation Massey Energy Co . MasterCard Incorporated Class A Mattel , Inc . MBIA Inc . McAfee McCormick & Company , Incorporated McDonald ' s Corporation McGraw Hill Financial , Inc . McKesson Corporation MeadWestvaco Corporation Medco Health Solutions Medtronic , Inc . Memc Electronic Materials Inc . Merck & Co . , Inc . Meredith Corporation MetLife , Inc . Microchip Technology Incorporated Micron Technology , Inc . Microsoft Corporation Millipore Corp Molex Incorporated Molson Coors Brewing Company Class B Monsanto Company Monster Worldwide , Inc . Moody ' s Corporation Morgan Stanley Motorola Inc . Murphy Oil Corporation Mylan Inc . Nabors Industries Ltd . NASDAQ OMX Group , Inc . National Oilwell Varco , Inc . National Semiconductor Corp NetApp , Inc . New York Times Company Class A Newell Rubbermaid Inc . Newmont Mining Corporation News Corp . CI A Nicor Inc NIKE , Inc . Class B NiSource Inc . Noble Corp . Noble Energy , Inc . Nordstrom , Inc . Norfolk Southern Corporation Northern Trust Corporation Northrop Grumman Corporation Novell , Inc . Novellus Systems Inc . Nucor Corporation NVIDIA Corporation NYSE Euronext Occidental Petroleum Corporation Office Depot , Inc . Omnicom Group Inc Oracle Corporation PACCAR Inc Pactiv Corp Pall Corporation Parker - Hannifin Corporation Patterson Companies , Inc . Paychex , Inc . Peabody Energy Corporation People ' s United Financial , Inc . Pepco Holdings , Inc .

4 , 189 7 , 083

23 , 971 0

3 , 988 8 , 151

334 , 233 8 , 041

0 0

0

137 , 113 2 , 122

22 , 536 9 , 786

0 243 , 669

0

4 , 648 7 , 311

26 , 809 0

4 , 771 8 , 151

11 , 928 26 , 864

0 0

2 , 037 7 , 847

0 . 00

0 . 08 0 . 99 0 . 21 0 . 81 0 . 04 0 . 30 0 . 24 0 . 06 0 . 83 0 . 00 0 . 00 1 . 06 2 . 26 0 . 94 0 . 66 0 . 94 0 . 00 0 . 86 0 . 00 1 . 52 0 . 92 0 . 74 1 . 71 0 . 00 0 . 55 0 . 00 0 . 63 1 . 08 1 . 07 0 . 00 0 . 42 0 . 20 0 . 00 1 . 05 0 . 00 0 . 00 0 . 00 0 . 41 0 . 36 0 . 00 0 . 00 0 . 20 0 . 50 0 . 15 1 . 86 0 . 56 0 . 92 0 . 89 0 . 36 0 . 76 1 . 40 1 . 12 1 . 84 0 . 00 0 . 00 1 . 44 1 . 44 0 . 00 1 . 20 1 . 47 0 . 00

0 . 80 0 . 20 0 . 69 0 . 00 0 . 64 1 . 07 0 . 30 1 . 24 0 . 30 0 . 62 1 . 08

0 0

17 , 617 2 , 396

0

0 . 08 0 . 68 0 . 49 0 . 90 0 . 00 0 . 30 0 . 00 0 . 10 1 . 24 0 . 00 0 . 00 1 . 27 2 . 87 3 . 52 0 . 80 4 . 48 0 . 00 1 . 26 0 . 00 1 . 69 1 . 53 0 . 74 1 . 40 0 . 00 0 . 83 0 . 00 0 . 86 1 . 28 1 . 28 0 . 00 0 . 64 0 . 20 0 . 96 3 . 67 0 . 00 0 . 00 0 . 39 0 . 49 0 . 00 0 . 00 0 . 00 0 . 43 1 . 40 0 . 17 0 . 00 0 . 75 0 . 94 0 . 54 0 . 45 1 . 08 1 . 94 1 . 18 2 . 15 0 . 00 0 . 00 0 . 00 1 . 46 0 . 08 1 . 20 2 . 16 0 . 00 1 . 20 0 . 42 1 . 58 0 . 00 0 . 88 1 . 62 0 . 68 1 . 95 0 . 34 0 . 64 1 . 08

3 , 783 7 , 311

32 , 697 0

6 , 709 8 , 151

14 , 164 76 , 664

0 1 , 747 2 , 716

14 , 574 0

3 , 801 179

6 , 383 21 , 357 355 , 026

7 , 207 749

0 0 .

0 0

6 , 566 2 , 695

0 0

2 , 128 8 , 717

13 , 239 3 , 225

16 , 862 9 , 682 9 , 008 4 , 773 4 , 648

19 , 894 9 , 586

23 , 085

0 4 , 574

24 , 408 15 , 004

2 , 713 6 , 974

10 , 591 3 , 225

15 , 357 9 , 682 1 , 858 4 , 773 3 , 914

19 , 326 9 , 586

21 , 203 0

1 . 86

0 . 00 0 . 00 0 . 45 0 . 10 0 . 00 0 . 00 0 . 29 1 . 00 0 . 17 1 . 40 0 . 65 0 . 92 0 . 60 0 . 40 0 . 92 1 . 66 1 . 12 8 . 34 0 . 00 0 . 00 1 . 45 0 . 00 1 . 20 1 . 84

3 , 085 17 , 434 15 , 004 2 , 419

19 , 422 9 , 682 6 , 090 5 , 303 5 , 627

23 , 589 9 , 586

104 , 589 0

22 , 583 9 , 893 5 , 490 6 , 032

0 . 00 0 . 70 1 . 28 1 . 55 0 . 00 0 . 90 0 . 20 1 . 14

10 . 49 0 . 00 0 . 16 0 . 52 0 . 91 0 . 00 0 . 30 0 . 04 0 . 60 1 . 23 4 . 02 0 . 00 0 . 87 0 . 98 0 . 76 0 . 55 1 . 20 2 . 04 1 . 23 2 . 38 0 . 00 0 . 00 1 . 47 0 . 31 0 . 90 2 . 56 0 . 00 1 . 60 0 . 24 1 . 70 0 . 00 1 . 02 1 . 78 0 . 48 0 . 70 0 . 34 0 . 65 1 . 08

26 , 197 10 , 314 7 , 698 7 , 226 7 , 339

28 , 988 10 , 528 29 , 859

6 , 605 27 , 567 10 , 100 26 , 974

0

16 , 988 17 , 379

0 . 51 0 . 92 0 . 18 0 . 36 0 . 64 1 . 36 1 . 12 1 . 69 0 . 00 0 . 00 1 . 41 0 . 00 1 . 20 1 . 31 0 . 00 0 . 60 0 . 15 0 . 54 0 . 00 0 . 58 1 . 00 0 . 00 1 . 24 0 . 25 0 . 61 1 . 08

17 , 500 17 , 620 1 , 546

12 , 203 67 , 131

12 , 203 12 , 203 57 , 185

17 , 741 6 , 389 9 , 152

79 , 562 0

19 , 083 36 , 079 23 , 661

12 , 203 40 , 713

0

7 , 156 22 , 550 7 , 516

0 . 00 14 , 312 63 , 139 21 , 990

0 2 , 628 6 , 184

0 15 , 281 2 , 558 8 , 108 8 , 961

9 , 542 30 , 066

9 , 603 0

2 , 900 6 , 617 1 , 050

15 , 281 3 , 018 8 , 241 8 , 961

1 . 00 0 . 23 1 . 30 0 . 00 0 . 70 1 . 43 0 . 46 1 . 25 0 . 34 0 . 63 1 . 08

11 , 927 34 , 576 18 , 093

0 3 , 172 8 , 843 1 , 610

15 , 404 3 , 479 8 , 375 8 , 961

3 , 987 10 , 018 2 , 379

24 , 030 3 , 479 8 , 508 8 , 961

4 , 644 11 , 008 1 , 680 8 , 626 3 , 479 8 , 642 8 , 961 ?? ?

Page 56: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2

APPENDIX 2 - continued Example MMACC embodiments ( 5 years of dividends )

2008 Tranche - 5 Year Maturity

2009 - 2013 Dividend Income Row

Y2 Yi Divs P / S *

Yi Div $ Rec ' d

Divs Y2Y3

Div $ Divs Rec ' d P / S *

Y3 Div $ Rec ' d

Y4 Divs P / S *

Y4Y5 Div $ Divs Rec ' d

Y5 Div $ Rec ' d Company Name P / S * P / S *

0 3 , 682 105 , 792

1 , 269 207 , 009 23 , 273 173 , 900

8 , 125 361

11 , 390 10 , 754 12 , 826

540 13 , 423 19 , 860 18 , 936

642 4 , 976

197 , 072 25 , 038

0 7 , 136

11 , 390 25 , 831 10 , 584

933 112 , 646

1 , 269 186 , 308 25 , 213 189 , 427

8 , 125 361

11 , 549 10 , 754 5 , 344 864

13 , 738 20 , 147 21 , 303

642 5 , 474

216 , 024 25 , 038 30 , 109 5 , 735

18 , 712 26 , 608 14 , 674

0 0

47 , 011 2 , 432

208 , 799 17 , 990

8 , 182

. SIE EINE ZERBITZ

0 120 , 692

1 , 269 207 , 009 25 , 213

218 , 928 8 , 125 361

11 , 707 10 , 754 15 , 364 1 , 727

14 , 243 20 , 147 23 , 670

642 6 , 966

235 , 662 27 , 653 10 , 337 2 , 294

23 , 593 26 , 608 17 , 560

0 126 , 801

1 , 269 227 , 710 25 , 213 251 , 534

8 , 202 361

11 , 865 10 , 754 20 , 708 3 , 023

14 , 747 20 , 723 26 , 037

642 7 , 763

253 , 330 12 , 519 36 , 484 36 481

133 , 506 1 , 269

248 , 410 25 , 213 277 , 930

8 , 521 361

7 , 416 11 , 138 22 , 979

3 , 562 15 , 251 21 , 155 28 , 404

642 9 . 753

271 , 146 0

7 , 376 0

0

88081 . .

26 , 034 27 , 579 21 , 168

0 0

61 , 305 4 , 134 4 , 426

0 8 , 182 1 , 200

28 , 149 27 , 968 24 , 777

1 , 230 0

82 , 588 7 , 296 4 , 726

0 8 , 182

1 , 200

Pepsi Bottling PepsiCo , Inc . PerkinElmer , Inc . Pfizer Inc . PG & E Corporation Philip Morris International Inc . Pinnacle West Capital Corporation Pioneer Natural Resources Company Pitney Bowes Inc . Plum Creek Timber Company , Inc . PNC Financial Services Group , Inc . Polo Ralph Lauren Corp . PPG Industries , Inc . PPL Corporation Praxair , Inc . Precision Castparts Corp . Principal Financial Group , Inc . Procter & Gamble Company Progress Energy Inc . Progressive Corporation Prologis Prudential Financial , Inc . Public Service Enterprise Group Incorporated Public Storage PulteGroup , Inc . QLogic Corporation QUALCOMM Incorporated Quest Diagnostics Incorporated Questar Corporation Qwest Communications International Inc R . R . Donnelley & Sons Company RadioShack Corporation Range Resources Corporation Raytheon Company Regions Financial Corporation Republic Services , Inc . Reynolds American Inc . Robert Half International Inc . Rockwell Automation , Inc . Rockwell Collins , Inc . Rohm & Haas Co . Rowan Cos . Plc Class A Ryder System , Inc . Safeway Inc . salesforce . com , inc . SanDisk Corporation Sara Lee Corp . Schering - Plough Corp . Schlumberger NV Scripps Networks Interactive , Inc . Class A Sealed Air Corporation Sears Holdings Corporation Sempra Energy Sherwin - Williams Company Sigma - Aldrich Corporation Simon Property Group , Inc . SLM Corp Smith International Snap - on Incorporated Southern Company Southwest Airlines Co . Southwestern Energy Company Sovereign Bancorp Inc . Spectra Energy Corp Sprint Nextel Corporation St . Jude Medical , Inc . Staples , Inc . Starbucks Corporation Starwood Hotels & Resorts Worldwide , Inc . State Street Corporation Stericycle , Inc .

954

0 . 71 1 . 78 0 . 28 0 . 80 1 . 68 2 . 24 2 . 10 0 . 08 1 . 44 1 . 68 0 . 96 0 . 25 2 . 13 1 . 38 1 . 60 0 . 12 0 . 50 1 . 72 2 . 48 0 . 00 0 . 70 0 . 70 1 . 33 2 . 20 0 . 00 0 . 00 0 . 67 0 . 40 0 . 51 0 . 32 1 . 04 0 . 25 0 . 16 1 . 24 0 . 13 0 . 76 1 . 73 0 . 48 1 . 16 0 . 96 0 . 41 0 . 00 0 . 96 0 . 38 0 . 00 0 . 00 2 . 20 0 . 26 0 . 84 0 . 30 0 . 48 0 . 00 1 . 56 1 . 42 0 . 58 2 . 68 0 . 00 0 . 48 1 . 20 1 . 73 0 . 02 0 . 00 0 . 00 1 . 00 0 . 00 0 . 00 0 . 33 0 . 00 0 . 20 0 . 04 0 . 00

0 42 , 564 2 , 432 3 , 361

17 , 990 8 , 182 1 , 200 954

19 , 704 3 , 452 9 , 363

22 , 380 2 , 858 6 , 299 5 , 832 1 , 966

0 . 18 1 . 89 0 . 28 0 . 72 1 . 82 2 . 44 2 . 10 0 . 08 1 . 46 1 . 68 0 . 40 0 . 40 2 . 18 1 . 40 1 . 80 0 . 12 0 . 55 1 . 89 2 . 48

1 . 16 0 . 56 1 . 15 1 . 37 3 . 05 0 . 00 0 . 00 0 . 00 0 . 74 0 . 40 31 . 37 0 . 32 1 . 04 0 . 25 0 . 16 1 . 13 0 . 04 0 . 78 1 . 84 0 . 52 1 . 28 0 . 96 0 . 00 0 . 00 1 . 04 0 . 46 0 . 00 0 . 00 2 . 22 0 . 00 0 . 84 0 . 30 0 . 50 0 . 00 1 . 56 1 . 44 0 . 64 2 . 60 0 . 00 0 . 24 1 . 22 1 . 80 0 . 02 0 . 00 0 . 00 1 . 00 0 . 00 0 . 00 0 . 36 0 . 36 0 . 30 0 . 04 0 . 00

954 17 , 876

1 , 062 9 , 610

23 , 872 3 , 096 6 , 950 5 , 832

0

0 . 00 2 . 02 0 . 28 0 . 80 1 . 82 2 . 82 2 . 10 0 . 08 1 . 48 1 . 68 1 . 15 0 . 80 2 . 26 1 . 40 2 . 00 0 . 12 0 . 70 2 . 06 2 . 74 0 . 40 0 . 22 1 . 45 1 . 37 3 . 65 0 . 00 0 . 00 0 . 00 0 . 84 0 . 40 0 . 62 0 . 08 1 . 04 0 . 50 0 . 16 2 . 10 0 . 04 0 . 84 2 . 15 0 . 56 1 . 55 0 . 96 0 . 00 0 . 00 1 . 12 0 . 55 0 . 00 0 . 00 2 . 30 0 . 00 1 . 00 0 . 38 0 . 52 0 . 33 1 . 92 1 . 46 0 . 72 3 . 50 0 . 30 0 . 00 1 . 30 1 . 87 0 . 02 0 . 00 0 . 00 1 . 06 0 . 00 0 . 84 0 . 40 0 . 56 0 . 50 0 . 72 0 . 00

0 53 , 047

2 , 432 4 , 127 4 , 497 8 , 182 2 . 400 954

33 , 290 1 , 062

10 , 349 27 , 894 3 , 334 8 , 417 5 , 832

0 . 00 2 . 13 0 . 28 0 . 88 1 . 82 3 . 24 2 . 12 0 . 08 1 . 50 1 . 68 1 . 55 1 . 40 2 . 34 1 . 44 2 . 20 0 . 12 0 . 78 2 . 21 1 . 24 1 . 24 1 . 41 1 . 41

0 . 00 1 . 60 1 . 42 4 . 40 0 . 00 0 . 00 0 . 97 0 . 68 0 . 66 0 . 00 1 . 04 0 . 25 0 . 16 2 . 43 0 . 04 0 . 91 2 . 33 0 . 60 1 . 79 1 . 14 0 . 00 0 . 00 1 . 20 0 . 67 0 . 00 0 . 00

68 . 26 0 . 00 1 . 10 0 . 48 0 . 52 4 . 59 2 . 40 1 . 56 0 . 80 4 . 10 0 . 50 0 . 00 1 . 40 1 . 94 0 . 03 0 . 00 0 . 00 1 . 15 0 . 00 0 . 92 0 . 44 0 . 72 1 . 25 0 . 96 0 . 00

38 , 613 1 , 062

11 , 211 30 , 229

3 , 572 9 , 720 6 , 926

0 . 00 2 . 24 0 . 28 0 . 96 1 . 82 3 . 58 2 . 20 0 . 08 0 . 94 1 . 74 1 . 72 1 . 65 2 . 42 1 . 47 2 . 40 0 . 12 0 . 98 2 . 37 0 . 00 0 . 28 0 . 00 1 . 73 1 . 44 5 . 15 0 . 15 0 . 00 1 . 30 1 . 20 0 . 71 0 . 00 1 . 04 0 . 00 0 . 16 2 . 20 0 . 10 0 . 99 2 . 48 0 . 64 2 . 09 1 . 20 0 . 00 0 . 00 1 . 30 0 . 77 0 . 00 0 . 45 0 . 60 0 . 00 1 . 25 0 . 60 0 . 52 0 . 00 2 . 52 2 . 00 0 . 86 4 . 65 0 . 60 0 . 00 1 . 58 2 . 01 0 . 13 0 . 00 0 . 00 1 . 22 0 . 00 1 . 00 0 . 48 0 . 89 1 . 35 1 . 04 0 . 00

954 34 , 958 2 , 655

12 , 197 32 , 175

3 , 811 11 , 349 7 , 290

OO 0 2 , 5 2 , 049

6 , 297 0

2 , 390 9 , 130 11 , 022

Oo 2 , 219 7 , 567

0 0

12 , 073

. . 66 . 0

12 , 480 370 , 406

2 , 774 12 , 750

0 3 , 903 3 , 256

0 57 , 379 2 , 074 3 , 150

11 , 937 16 , 219 38 , 559 1 , 037 2 , 908

0

38 , 559 1 , 037 3 , 029

0 14 , 584 5 , 426 3 , 079

23 , 067 0

2 , 016

14 , 584 5 , 351 2 , 790

23 , 768 O

4 , 032 2 , 645

51 , 499

45 , 903 1 . 296 3 , 150 705

17 , 950 5 , 501 3 , 464

31 , 052 5 , 380

0 2 , 865

55 , 660 511

0

50 , 493 1 , 659 3 , 150 9 , 791

22 , 438 5 , 878 3 , 849

36 , 375

23 , 560 7 , 536 4 , 137

41 , 255 10 , 759

53 , 579 3 , 086

57 , 741 979

3 , 482 59 , 822 3 , 690 511 5

0 0 0

23 , 449 23 , 449 24 , 856 0 O

9 , 034

26 , 849 0

12 , 151 12 , 045 20 , 322

8 , 780 15 , 913

0 9 , 855

10 , 161 2 , 107 663

0

11 , 095 10 , 950 15 , 806 3 , 512

11 , 935

0

28 , 608 0

13 , 208 13 , 140 25 , 120 9 , 482

17 , 239 1 , 405 663

Page 57: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2

APPENDIX 2 - continued Example MMACC embodiments ( 5 years of dividends )

2008 Tranche - 5 Year Maturity

2009 - 2013 Dividend Income Row

Y2 Yi Divs P / S *

Yi Div $ Rec ' d

Divs Y2Y3

Div $ Divs Rec ' d P / S *

Y3 Div $ Rec ' d

Y4 Divs P / S *

Y4Y5 Div $ Divs Rec ' d

Y5 Div $ Rec ' d Company Name P / S * P / S *

10 , 226 0 0

4 , 756

2 , 324 0

5 , 382 2 , 990 5 , 648

0 22 , 302 9 , 916

19 , 066 6 , 533

5 , 856 0

2 , 691 544

2 , 844 0

17 , 244 10 , 709 24 , 266 6 , 655 1 , 222

6 , 995 0

2 , 691 1 , 631 2 , 844

0 23 , 912 12 , 296 31 , 777

8 , 390 0

34 , 571 2 , 718 1 , 422

0 24 , 831 23 , 402 38 , 132

7 , 186 16 , 496

14 , 437 32 , 419 15 , 072 45 , 643 7 , 186 6 , 941

1 , 222

OOOO OOOO OOOO

1 . 10 0 . 00 0 . 00 0 . 35 0 . 00 0 . 45 1 . 41 1 . 52 1 . 58 0 . 88 0 . 00 0 . 00 0 . 00 0 . 00 0 . 90 1 . 07 0 . 08 1 . 98 0 . 60 1 . 34 1 . 15 0 . 00 0 . 55

OOOOO 24 , 378

740 4 , 052

0 4 , 488

39 , 006

4 , 782 53 , 234

740 5 , 988 9 , 676 6 , 330

52 , 774

0 . 55

Stryker Corporation Sun Microsystems Sunoco Inc . SunTrust Banks , Inc . SUPERVALU INC . Symantec Corporation Sysco Corporation T . Rowe Price Group Target Corporation TECO Energy , Inc . Tellabs , Inc . Tenet Healthcare Corporation Teradata Corporation Teradyne , Inc . Tesoro Corporation Texas Instruments Incorporated Textron Inc . The Stanley Works Thermo Fisher Scientific Inc . Tiffany & Co . Time Warner Inc . Titanium Metals Corp . TJX Companies , Inc . Torchmark Corporation Total System Services , Inc . Travelers Companies , Inc . Tyco Electronics Ltd . Tyco International Ltd . Tyson Foods , Inc . Class A U . S . Bancorp Union Pacific Corporation United Parcel Service , Inc . Class B United States Steel Corporation United Technologies Corporation UnitedHealth Group Incorporated Unum Group UST Inc . V . F . Corporation Valero Energy Corporation Varian Medical Systems , Inc . VeriSign , Inc . Verizon Communications Inc Viacom Inc . Class B Vornado Realty Trust Vulcan Materials Company W . W . Grainger , Inc . Walgreen Co . Wal - Mart Stores , Inc . Walt Disney Company Waste Management , Inc . Waters Corporation Watson Pharmaceuticals Inc . Weatherford International Ltd . WellPoint , Inc . Wells Fargo & Company Western Union Company Weyerhaeuser Company Whirlpool Corporation Whole Foods Market , Inc . Williams Companies , Inc . Windstream Corp . Wisconsin Energy Corporation Wyeth Wyndham Worldwide Corporation Wynn Resorts , Limited Xcel Energy Inc . Xerox Corporation Xilinx , Inc . XL Capital Ltd . XTO Energy Inc Yahoo ! Inc .

0 . 25 0 . 00 1 . 20 0 . 22 0 . 69 0 . 00 0 . 97 1 . 00 0 . 66 0 . 80 0 . 00 0 . 00 0 . 00 0 . 00 0 . 35 0 . 45 0 . 08 1 . 30 0 . 00 0 . 68 9 . 51 0 . 00 0 . 23 0 . 19 0 . 28 1 . 23 0 . 64 0 . 85 0 . 16 0 . 20 0 . 54 1 . 80 0 . 45 1 . 54 0 . 03 0 . 32 0 . 00 0 . 59 0 . 60 0 . 00 0 . 00 1 . 85 0 . 00 3 . 20 1 . 48 1 . 78 0 . 50 1 . 09 0 . 35 1 . 16 0 . 00 0 . 00 0 . 00 0 . 00 0 . 49 0 . 06 0 . 24 1 . 72 0 . 00 0 . 44 1 . 00 0 . 67 0 . 90 0 . 16 4 . 00 0 . 97 0 . 17 0 . 58 0 . 40 0 . 40 0 . 50 0 . 00

1 , 860 22 , 388

740 3 , 931

0 3 , 212

436 , 340 0

7 , 509 1 , 371 2 , 115

27 , 590 11 , 239 15 , 372 1 , 855

13 , 466 20 , 989 68 , 742

2 , 007 56 , 179

1 , 391 4 , 003

0 8 , 009

11 , 881

0 . 63 0 . 00 0 . 60 0 . 04 0 . 35 0 . 00 0 . 75 1 . 08 0 . 84 0 . 82 0 . 08 0 . 00 0 . 00 0 . 00 0 . 00 0 . 49 0 . 08 1 . 34 0 . 00 0 . 95 0 . 85 0 . 00 0 . 29 0 . 27 0 . 28 1 . 41 0 . 64 0 . 86 0 . 16 0 . 20 0 . 65 1 . 88 0 . 20 1 . 70 0 . 41 0 . 35 0 . 00 0 . 61 0 . 20 0 . 00 3 . 00 3 . 76 0 . 45 2 . 60 1 . 00 2 . 08 0 . 63 1 . 21 0 . 40 1 . 26 0 . 00 0 . 00 0 . 00 0 . 00 0 . 00 0 . 20 0 . 25 1 . 13 1 . 72 0 . 00 0 . 48 1 . 00 0 . 80 0 . 00 0 . 48 8 . 50 1 . 00 0 . 17 0 . 64 0 . 40 0 . 40 0 . 25 0 . 00

9 , 107 1 , 990 2 , 115

31 , 628 11 , 239 15 , 548

1 , 855 13 , 466 25 , 459 71 , 797

892 62 , 016 18 , 772

4 , 447 0

8 , 212 3 , 960

0 . 75 0 . 00 0 . 60 0 . 12 0 . 35 0 . 00 1 . 04 1 . 24 1 . 10 0 . 85 0 . 08 0 . 00 0 . 00 0 . 00 0 . 00 0 . 56 0 . 08 1 . 64 0 . 00 1 . 12 0 . 94 0 . 22 0 . 36 0 . 27 0 . 31 1 . 59 0 . 70 0 . 99 0 . 16 0 . 50 0 . 97 2 . 08 0 . 20 1 . 86 0 . 61 0 . 39 0 . 00 0 . 65 0 . 30 0 . 00 2 . 75 1 . 96 0 . 90 2 . 76 0 . 76 2 . 52 0 . 80 1 . 46 0 . 60 1 . 36 0 . 00 0 . 00 0 . 00 0 . 00 1 . 00 0 . 48 0 . 31 0 . 60 1 . 93 0 . 20 0 . 77 1 . 00 1 . 04 0 . 00 0 . 60 6 . 50 1 . 03 0 . 17 0 . 73 0 . 44 0 . 00 0 . 00

27 , 861 740

4 , 959 0

5 , 291 43 , 137

735 11 , 503

1 , 990 2 , 341

35 , 665 12 , 293 17 , 904 1 , 855

33 , 666 37 , 509 79 , 435

892 68 , 035 28 , 389 5 , 019

0

0 . 90 0 . 00 7 . 71 0 . 20 0 . 17 0 . 00 1 . 08 2 . 36 1 . 32 0 . 88 1 . 08 0 . 00 0 . 00 0 . 00 0 . 27 0 . 72 0 . 08 1 . 80 0 . 54 1 . 25 1 . 04 0 . 30 0 . 44 0 . 38 0 . 40 1 . 79 0 . 81

29 . 52 0 . 27 0 . 78 1 . 24 2 . 28 0 . 20 2 . 03 0 . 80 0 . 47 0 . 00 0 . 76 0 . 65 0 . 00 0 . 00 2 . 01 1 . 08 3 . 76 0 . 04 3 . 06 1 . 00 1 . 59 0 . 75 1 . 42 0 . 00 0 . 00 0 . 00 1 . 15 0 . 88 0 . 43 0 . 62 2 . 00 1 . 28 7 . 25 1 . 00 1 . 20 0 . 00 0 . 92 9 . 50 1 . 07 0 . 17 0 . 85 0 . 44 0 . 00 0 . 00

1 , 435 35 , 821

740 5 , 443 8 , 708 5 , 905

47 , 726 980

14 , 060 2 , 790 3 , 021

40 , 151 14 , 224

535 , 713 3 , 130

52 , 519 48 , 392 87 , 073

892 74 , 054 37 , 080 5 , 972

0 10 , 239 12 , 871

0 . 40 1 . 96 0 . 96 0 . 63 0 . 22 0 . 88 1 . 48 2 . 48 0 . 20 2 . 19 1 . 05 0 . 55 0 . 00 0 . 91 4 . 21 0 . 00 0 . 00 2 . 07 1 . 18 2 . 92

17 , 575 4 , 063 3 , 021

43 , 965 16 , 859 11 , 434 2 , 608

59 , 589 57 , 526 94 , 711

892 80 , 074 48 , 783 6 , 989

8 , 820 12 , 368 83 , 278 5 , 941

0 0 Oo

0 . 04

0 202 , 202

0 16 , 870 6 , 256 4 , 416

18 , 994 93 , 523 24 , 862 21 , 838

22 , 338 409 , 681 10 , 595 13 , 707

4 , 227 5 , 160

23 , 742 103 , 819 28 , 413 23 , 721

0

20 , 477 213 , 920 21 , 190 14 , 551 3 , 213 6 , 252

30 , 390 125 , 269 42 , 620 25 , 603

219 , 643 25 , 310 19 , 823

169 7 , 592

37 , 987 136 , 424 53 , 275 26 , 733

226 , 183 27 , 664 15 , 394

169 8 , 907

44 , 825 161 , 306 61 , 088 27 , 486

0 O OOOO OOO Oo O

71 , 261 1 , 648 4 , 865

0 19 , 534 69 , 807 8 , 513

12 , 321 5 , 445 2 , 154

17 , 210 16 , 863 9 , 333

22 , 464 127 , 979 11 , 671 12 , 732 5 , 642

13 , 784 161 , 064 16 , 863 10 , 769

3 . 59 1 . 18 1 . 88 0 . 86 1 . 46 0 . 00 0 . 00 0 . 00 1 . 50 1 . 15 0 . 50 0 . 81 2 . 38 0 . 40 1 . 44 1 . 00 1 . 44 0 . 00 1 . 16 7 . 00 1 . 11 0 . 23 0 . 97 0 . 56 0 . 00 0 . 00 0 . 00

29 , 086 6 , 865 23 , 295 4 , 852

0 10 , 770 16 , 863 7 , 179

0 3 , 266

20 , 094 17 , 275 5 , 647 6 , 727 5 , 078 5 , 534

0

9 , 771 16 , 863 6 , 057

45 , 986 1 , 089 9 , 456

16 , 758 5 , 647 6 , 096 5 . 078 5 , 078 11 , 068

0

29 , 301 167 , 246 13 , 730 16 , 633 6 , 700 4 , 308

31 , 923 16 , 863 12 , 967

0

7 , 894 16 , 548 19 , 127 7 , 640

10 , 196 7 , 109

0 4 , 083

15 , 366 17 , 792 5 , 647 7 , 673 5 , 585

0

6 , 261 22 , 458 18 , 438 5 , 647 8 , 934 5 , 585

0 . oo

Page 58: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 63 64

APPENDIX 2 - continued Example MMACC embodiments ( 5 years of dividends )

2008 Tranche - 5 Year Maturity

2009 - 2013 Dividend Income Row

Yi Divs P / S *

Yi Div $ Rec ' d

Y2 Divs P / S *

Y2Y3 Div $ Divs Rec ' d P / S *

Y3 Y3 Div $ Rec ' d

Y4 Y4 Divs P / S *

Y4 Y4Y5 Y5 Div $ Divs Rec ' d P / S *

Y5 Div $ Rec ' d Company Name

13 , 846 YUM ! Brands , Inc . Zimmer Holdings , Inc . Zions Bancorporation

0 . 78 0 . 00 0 . 10

0 . 88 0 . 00 0 . 04

15 , 621 0 177

1 . 03 0 . 00 0 . 04

18 , 372 0

177

1 . 19 0 . 72 0 . 04

21 , 124 6 . 205 177

1 . 38 0 . 80 0 . 13

24 , 408 6 . 894 575 443

* Split adjusted for consistency * * - Companies that stop trading have their cash balances carried forward

APPENDIX 3 Example MMACC embodiments ( liquidation Dec . 31 , 2013 )

2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )

Y5 Ending Valuation

Price Y5

$ MV Company Name As Of : * *

595 , 740 , 879 Sum : 3M Company Abbott Laboratories Abercrombie & Fitch Co . Class A Adobe Systems Incorporated Advanced Micro Devices , Inc . AES Corporation Aetna Inc . Affiliated Computer Services Inc . CI A Aflac Incorporated Agilent Technologies , Inc . Air Products and Chemicals , Inc . AK Steel Holding Corporation Akamai Technologies , Inc . Alcoa Inc . Allegheny Energy Allegheny Technologies Incorporated Allergan , Inc . Allstate Corporation Altera Corporation Altria Group , Inc . Amazon . com , Inc . Ameren Corporation American Capital , Ltd . American Electric Power Company , Inc . American Express Company American International Group , Inc . American Tower Corporation Ameriprise Financial , Inc . AmerisourceBergen Corporation Amgen Inc . Amphenol Corporation Class A Anadarko Petroleum Corporation Analog Devices , Inc . Aon plc Apache Corporation Apartment Investment and Management Company C Apollo Education Group , Inc . Class A Apple Inc . Applied Materials , Inc . Archer - Daniels - Midland Company Assurant , Inc . AT & T Inc . Autodesk , Inc . Automatic Data Processing , Inc . AutoNation , Inc . AutoZone , Inc . AvalonBay Communities , Inc . Avery Dennison Corporation Avon Products , Inc . Baker Hughes Incorporated Ball Corporation

140 . 25 38 . 33 32 . 91 59 . 88

3 . 87 14 . 51 68 . 59 59 . 64 66 . 80 57 . 19 111 . 78

8 . 20 47 . 18 10 . 63 24 . 99 35 . 63 111 . 08 54 . 54 32 . 51 38 . 39

398 . 79 36 . 16 15 . 64 46 . 74 90 . 73 51 . 05 79 . 82

115 . 05 70 . 31 114 . 08 44 . 59 79 . 32 50 . 93 83 . 89 85 . 94 25 . 91 27 . 32 80 . 15 17 . 68 43 . 40 66 . 37 35 . 16 50 . 32 80 . 80 49 . 69

477 . 94 118 . 23 50 . 19 17 . 22 55 . 26 51 . 66

20131231 20131231 20131231 20131231 20131231 20131231 20131231 20100205 20131231 20131231 20131231 20131231 20131231 20131231 20110225 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231

2 , 282 , 245 109 , 919

1 , 220 , 095 90 , 368

374 , 605 1 , 213 , 700 223 , 292

1 , 194 , 919 768 , 119 898 , 935 35 , 252

306 , 198 326 , 469 162 , 110 131 , 653

1 , 310 , 855 1 , 121 , 779 370 . 983

3 , 035 , 421 4 , 921 , 867 293 , 438 124 , 103 723 , 816

4 , 038 , 483 263 , 367

1 , 215 , 100 956 , 296 843 , 017

4 , 638 , 379 601 , 564

1 , 397 , 301 569 , 143 868 , 513

1 , 103 , 728 100 , 686 111 , 711

19 , 138 , 076 910 , 273

1 , 068 , 378 299 , 594

7 , 951 , 258 436 , 970

1 , 574 , 773 205 , 717 701 , 616 349 , 843 204 , 725 281 , 702 652 , 179 375 , 052

Page 59: MAI MUUTA TONTUNDUM UT

h US 9 , 818 , 156 B2 65

APPENDIX 3 - continued 66

Example MMACC embodiments ( liquidation Dec . 31 , 2013 ) 2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )

Y5 Ending Valuation

Price Y5

Company Name As Of : * * $ MV

Bank of America Corporation Bank of New York Mellon Corporation Baxter International Inc . BB & T Corporation Becton , Dickinson and Company Bed Bath & Beyond Inc . Bemis Company , Inc . Best Buy Co . , Inc . Big Lots , Inc . Biogen Idec Inc . BJ Services Co Black & Decker Corporation BMC Software , Inc . Boeing Company Boston Properties , Inc . Boston Scientific Corporation Bristol - Myers Squibb Company Broadcom Corporation Class A Brown - Forman Corporation Class B Burlington Northern C . R . Bard , Inc . C . H . Robinson Worldwide , Inc . CA , Inc . Cabot Oil & Gas Corporation Cameron International Corporation Campbell Soup Company Capital One Financial Corporation Cardinal Health , Inc . Carnival Corporation Caterpillar Inc . CB Richard Ellis Group Inc . CBS Corporation Class B Celgene Corporation CenterPoint Energy , Inc . Centex Corp . CenturyLink , Inc . Cephalon Inc CF Industries Holdings , Inc . Charles Schwab Corporation Chesapeake Energy Corporation Chevron Corporation Chubb Corporation Ciena Corporation Cigna Corporation Cincinnati Financial Corporation Cintas Corporation Cisco Systems , Inc . CIT Group Inc . ( Old ) Citigroup Inc . Citrix Systems , Inc . Clorox Company CME Group Inc . Class A CMS Energy Corporation Coach , Inc . Coca - Cola Company Coca - Cola Enterprises , Inc . Cognizant Technology Solutions Corporation Class A Colgate - Palmolive Company Comcast Corporation Class A Comerica Incorporated Computer Sciences Corporation Compuware Corporation ConAgra Foods , Inc . ConocoPhillips CONSOL Energy Inc . Consolidated Edison , Inc . Constellation Brands , Inc . Class A Constellation Energy Group Inc . Convergys Corporation Cooper Industries PLC CI A Corning Incorporated Costco Wholesale Corporation

15 . 57 34 . 94 69 . 55 37 . 32 110 . 49 80 . 30 40 . 96 39 . 88 32 . 29

279 . 57 23 . 18 74 . 05 46 . 30

136 . 49 100 . 37 12 . 02 53 . 15 29 . 65 75 . 57

100 . 21 133 . 94 58 . 35 33 . 65 38 . 76 59 . 53 43 . 28 76 . 61 66 . 81 40 . 17 90 . 81 26 . 30 63 . 74 84 . 48 23 . 18 11 . 95 31 . 85 81 . 50

233 . 04 26 . 00 27 . 14

124 . 91 96 . 63 23 . 93 87 . 48 52 . 37 59 . 59 22 . 43 0 . 05

52 . 11 63 . 25 92 . 76 78 . 46 26 . 77 56 . 13 41 . 31 44 . 13 50 . 49 65 . 21 51 . 97 47 . 54 55 . 88 11 . 21 33 . 70 70 . 65 38 . 04 55 . 28 70 . 38 37 . 23 21 . 05 74 . 50 17 . 82

119 . 02

20131231 2 , 998 , 004 20131231 1 , 538 , 688 20131231 1 , 655 , 221 20131231 791 , 259 20131231 1 , 030 , 872 20131231 800 , 270 20131231 156 , 672 20131231 516 , 925 20131231 101 , 746 20131231 3 , 130 , 088 20100428 259 , 686 20100312 170 . 759 20130910 333 , 175 201312313 , 838 , 509 20131231 465 , 315 20131231 692 , 604 20131231 4 , 037 , 699 20131231 505 , 269 20131231 426 , 668 20100212 1 , 079 , 462 20131231 509 , 910 20131231 378 , 867 20131231 508 , 653 20131231 614 , 927 20131231 501 , 481 20131231 341 , 696 20131231 1 , 151 , 448 20131231 921 , 978 20131231 673 , 651 20131231 2 , 102 , 161 20131231 225 , 075 20131231 1 , 663 , 104 20131231 2 , 970 , 965 20131231 306 , 138 20090818 57 , 013 20131231 122 , 400 20111014 214 , 087 20131231 508 , 493 20131231 933 , 608 20131231 563 , 291 20131231 9 , 739 , 233 20131231 1 , 319 , 000 20131231 82 . 941 20131231 922 , 739 20131231 326 , 317 20131231 300 , 453 20131231 5 , 039 , 797 20091209 623 20131231 1 , 089 , 777 20131231 440 , 916 20131231 493 , 762 20131231 1 , 008 , 446 20131231 232 , 390 20131231 704 , 207 20131231 6 , 308 , 327 20131231 537 , 106 20131231 1 , 128 , 401 20131231 2 , 526 , 040 20131231 5 , 742 , 756 20131231 274 , 544 20131231 324 , 830 20131231 106 , 035 20131231 578 , 191 20131231 4 , 041 , 887 20131231 264 , 492 20131231 580 , 495 20131231 525 , 739 20120312 254 , 914 20131231 98 , 598 20121130 00

20131231 1 , 062 , 927 20131231 1 , 971 , 685

Page 60: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 67

APPENDIX 3 - continued 68

Example MMACC embodiments ( liquidation Dec . 31 , 2013 ) 2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )

Y5 Ending Valuation

Price Y5

$ MV Company Name As Of : * *

Coventry Health Care Inc . Covidien Plc CSX Corporation Cummins Inc . CVS Health Corporation D . R . Horton , Inc . Danaher Corporation Darden Restaurants , Inc . DaVita Health Care Partners Inc . Dean Foods Company Deere & Company Dell Inc . DENTSPLY International Inc . Developers Diversified Realty Corp . Devon Energy Corporation DirecTV Group Inc . Discover Financial Services Dominion Resources , Inc . Dover Corporation Dow Chemical Company Dr Pepper Snapple Group , Inc . DTE Energy Company Duke Energy Corporation Dun & Bradstreet Corporation Dynegy Inc . E * TRADE Financial Corporation E . I . du Pont de Nemours and Company Eastman Chemical Company Eastman Kodak Company Eaton Corp . eBay Inc . Ecolab Inc . Edison International EI Paso Corp . Electronic Arts Inc . Eli Lilly and Company Embarq Corp . EMC Corporation Emerson Electric Co . Ensco plc Entergy Corporation EOG Resources , Inc . Equifax Inc . Equitable Resources Inc . Equity Residential Estee Lauder Companies Inc . Class A Exelon Corporation Expedia , Inc . Expeditors International of Washington , Inc . Express Scripts Holding Company Exxon Mobil Corporation Family Dollar Stores , Inc . Fastenal Company Federated Investors , Inc . Class B FedEx Corporation Fidelity National Information Services , Inc . Fifth Third Bancorp First Horizon National Corporation FirstEnergy Corp . Fiserv , Inc . Flowserve Corporation Fluor Corporation Ford Motor Company Forest Laboratories , Inc . Fortune Brands Inc . FPL Group Inc . Franklin Resources , Inc . Freeport - McMoRan , Inc . Frontier Communications Corporation Class B GameStop Corp . Class A Gannett Co . , Inc . Gap , Inc .

49 . 99 68 . 10 28 . 77

140 . 97 71 . 57 22 . 32 77 . 20 54 . 37 63 . 37 17 . 19 91 . 33 13 . 86 48 . 48 15 . 37 61 . 87 69 . 06 55 . 95 64 . 69 96 . 54 44 . 40 48 . 72 66 . 39 69 . 01 122 . 75 21 . 52 19 . 64 64 . 97 80 . 70 0 . 06

76 . 12 54 . 87 104 . 27 46 . 30 28 . 75 22 . 94 51 . 00 42 . 06 25 . 15 70 . 18 57 . 18 63 . 27 83 . 92 69 . 09 89 . 78 51 . 87 75 . 32 27 . 39 69 . 66 44 . 25 70 . 24

101 . 20 64 . 97 47 . 51 28 . 80

143 . 77 53 . 68 21 . 03 11 . 65 32 . 98 59 . 05 78 . 83 80 . 29 15 . 43 60 . 03 68 . 06 85 . 62 57 . 73 37 . 74

4 . 65 49 . 26 29 . 58 39 . 08

20130506 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131029 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20130830 20131231 20131231 20131231 20131231 20120524 20131231 20131231 20090630 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231

285 . 793 1 , 316 , 033 1 , 306 , 532 1 , 089 , 416 3 , 944 , 581 235 , 967

1 , 514 , 973 289 , 466 504 , 869 50 , 779

1 , 496 , 533 920 , 443 277 , 112 70 , 933

1 , 048 , 944 1 , 447 , 429 1 , 030 , 431 1 , 443 , 169 688 , 909

1 , 573 , 980 474 , 289 415 , 336

1 , 116 , 927 253 , 970

689 42 , 422

2 , 249 , 781 449 , 338

567 963 , 375

2 , 258 , 353 670 , 873 578 , 889 773 , 634 282 , 483

1 , 958 , 145 229 , 395

1 , 969 , 597 2 , 065 , 819 311 . 174 459 , 720

1 , 607 , 488 334 , 879 450 , 875 541 , 471 669 , 745 691 , 543 279 , 964 360 , 107

1 , 334 , 068 19 , 754 , 340

348 , 369 471 , 204 97 , 891

1 , 717 , 189 391 , 381 466 , 046 104 , 978 385 , 800 725 , 843 513 , 104 559 , 220

1 , 414 , 499 694 , 247 391 , 549

1 , 342 , 950 1 , 005 , 310 1 , 093 , 894

55 , 554 309 , 599 258 , 943 699 , 298

Page 61: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 69

APPENDIX 3 - continued Example MMACC embodiments ( liquidation Dec . 31 , 2013 )

2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )

Y5 Ending Valuation

Price Y5

$ MV Company Name As Of : * *

General Dynamics Corporation General Electric Company General Mills , Inc . General Motors Corporation Genuine Parts Company Genworth Financial , Inc . Class A Genzyme Corp . Gilead Sciences , Inc . Goldman Sachs Group , Inc . Goodrich Corp . Goodyear Tire & Rubber Company Google Inc . Class A Graham Holdings Co . H & R Block , Inc . H . J . Heinz Company Halliburton Company Harley - Davidson , Inc . Harman International Industries , Incorporated Harris Corporation Hartford Financial Services Group , Inc . Hasbro , Inc . HCP , Inc . Hershey Company Hess Corporation Hewlett - Packard Company Home Depot , Inc . Honeywell International Inc . Hospira , Inc . Host Hotels & Resorts , Inc . Hudson City Bancorp , Inc . Humana Inc . Huntington Bancshares Incorporated Illinois Tool Works Inc . IMS Health Inc . Ingersoll - Rand Plc Integrys Energy Group , Inc . Intel Corporation IntercontinentalExchange , Inc . International Business Machines Corporation International Flavors & Fragrances Inc . International Game Technology International Paper Company Interpublic Group of Companies , Inc . Intuit Inc . Intuitive Surgical , Inc . Invesco Ltd . ITT Corporation J . C . Penney Company , Inc . J . M . Smucker Company Jabil Circuit , Inc . Jacobs Engineering Group Inc . Janus Capital Group Inc . JDS Uniphase Corporation Johnson & Johnson Johnson Controls , Inc . Jones Apparel Group Inc . JPMorgan Chase & Co . Juniper Networks , Inc . KB Home Kellogg Company KeyCorp Kimberly - Clark Corporation Kimco Realty Corporation King Pharmaceuticals KLA - Tencor Corporation Kohl ' s Corporation Kraft Foods Inc . Kroger Co . L - 3 Communications Holdings , Inc . Laboratory Corporation of America Holdings Legg Mason , Inc . Leggett & Platt , Incorporated

95 . 55 28 . 03 49 . 91

0 . 04 83 . 19 15 . 53 76 . 25 75 . 10 177 . 26 127 . 48 23 . 85

560 . 90 663 . 32 29 . 04 72 . 49 50 . 75 69 . 24 81 . 85 69 . 81 36 . 23 55 . 01 36 . 32 97 . 23 83 . 00 27 . 98 82 . 34 91 . 37 41 . 28 19 . 44 9 . 43

103 . 22 9 . 65

84 . 08 21 . 98 61 . 60 54 . 41 25 . 96

224 . 92 187 . 57 85 . 98 18 . 16 49 . 03 17 . 70 76 . 32

384 . 08 36 . 40 43 . 42

9 . 15 103 . 62 17 . 44 62 . 99 12 . 37 12 . 99 91 . 59 51 . 30 14 . 96 58 . 48 22 . 57 18 . 28 61 . 07 13 . 42

104 . 46 19 . 75 14 . 24 64 . 46 56 . 75 35 . 30 39 . 53

106 . 86 91 . 37 43 . 48 30 . 94

20131231 20131231 20131231 20110331 20131231 20131231 20110408 20131231 20131231 20120726 20131231 20131231 20131231 20131231 20130607 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20100225 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20110228 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231

1 , 429 , 428 11 , 297 , 912 1 , 279 , 942

989 508 , 956 258 , 124 791 , 551

5 , 302 , 361 3 , 007 , 925 602 , 216 220 , 851

10 , 287 , 980 152 , 564 377 , 723 874 , 737

1 , 740 , 624 618 , 659 183 , 917 360 , 569 418 , 891 261 , 518 352 , 159 618 , 869 903 , 538

2 , 629 , 700 5 , 357 , 287 2 , 546 , 573 252 , 840 389 , 830 188 , 628 668 , 246 135 , 554

1 , 269 , 944 153 , 398 753 , 553 159 , 585

5 , 539 , 913 623 , 478

9 , 670 , 172 259 , 488 205 , 371 804 , 435 323 , 680 937 , 362 576 , 504 537 , 737 151 , 275 78 , 013 470 , 953 140 , 985 296 , 998 74 , 937

109 , 554 9 , 751 , 953 1 , 169 , 743

47 , 887 8 , 376 , 091 457 , 268 52 , 811

590 , 425 254 , 926

1 , 658 , 616 173 , 563 134 , 696 417 , 701 663 , 635

1 , 990 , 143 989 , 792 489 , 633 378 , 729 236 , 792 185 , 454

Page 62: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 71

APPENDIX 3 - continued Example MMACC embodiments ( liquidation Dec . 31 , 2013 )

2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )

Y5 Ending Valuation

Price Y5

Company Name As Of : * * $ MV

Lennar Corporation Class A Leucadia National Corporation Lexmark International , Inc . Class A Life Technologies Corporation Limited Brands Inc . Lincoln National Corporation Linear Technology Corporation Lockheed Martin Corporation Loews Corporation Lorillard , Inc . Lowe ' s Companies , Inc . LSI Corporation M & T Bank Corporation Macy ' s Inc Manitowoc Company , Inc . Marathon Oil Corporation Marriott International , Inc . Class A Marsh & McLennan Companies , Inc . Marshall & Ilsley Masco Corporation Massey Energy Co . MasterCard Incorporated Class A Mattel , Inc . MBIA Inc . McAfee McCormick & Company , Incorporated McDonald ' s Corporation McGraw Hill Financial , Inc . McKesson Corporation MeadWestvaco Corporation Medco Health Solutions Medtronic , Inc . Memc Electronic Materials Inc . Merck & Co . , Inc . Meredith Corporation MetLife , Inc . Microchip Technology Incorporated Micron Technology , Inc . Microsoft Corporation Millipore Corp Molex Incorporated Molson Coors Brewing Company Class B Monsanto Company Monster Worldwide , Inc . Moody ' s Corporation Morgan Stanley Motorola Inc . Murphy Oil Corporation Mylan Inc . Nabors Industries Ltd . NASDAQ OMX Group , Inc . National Oilwell Varco , Inc . National Semiconductor Corp NetApp , Inc . New York Times Company Class A Newell Rubbermaid Inc . Newmont Mining Corporation News Corp . CIA Nicor Inc NIKE , Inc . Class B NiSource Inc . Noble Corp . Noble Energy , Inc . Nordstrom , Inc . Norfolk Southern Corporation Northern Trust Corporation Northrop Grumman Corporation Novell , Inc . Novellus Systems Inc . Nucor Corporation NVIDIA Corporation NYSE Euronext

39 . 56 28 . 34 35 . 52 75 . 80 61 . 85 51 . 62 45 . 55

148 . 66 48 . 24 50 . 68 49 . 55 11 . 04

116 . 42 53 . 40 23 . 32 35 . 30 49 . 35 48 . 36 7 . 90

22 . 77 65 . 14 83 . 55 47 . 58 11 . 94 47 . 95 68 . 92 97 . 03 78 . 20

161 . 40 36 . 93 70 . 30 57 . 39 13 . 05 50 . 05 51 . 80 53 . 92 44 . 75 21 . 75 37 . 41

106 . 95 38 . 68 56 . 15

116 . 55 7 . 13

78 . 47 31 . 36 67 . 50 64 . 88 43 . 40 16 . 99 39 . 80 79 . 53 24 . 99 41 . 14 15 . 87 32 . 41 23 . 03 35 . 17 54 . 84 78 . 64 32 . 88 37 . 47 68 . 11 61 . 80 92 . 83 61 . 89 114 . 61

6 . 10 40 . 39 53 . 38 16 . 02 45 . 29

20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20110705 20131231 20110601 20131231 20131231 20131231 20110228 20131231 20131231 20131231 20131231 20131231 20120330 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20100714 20131209 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20110923 20131231 20131231 20131231 20131231 20131231 20111209 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20110427 20120604 20131231 20131231 20131112

214 , 494 192 , 485 106 , 880 501 , 948 642 , 250 506 , 857 387 , 585

1 , 899 , 280 670 , 054 980 , 607

2 , 786 , 989 273 , 182 344 , 952 861 , 823 116 , 647 955 , 818 561 , 466 954 , 046 78 , 913

314 , 476 212 , 812

2 , 320 , 323 654 , 463 86 , 314

280 , 891 343 , 842

4 , 150 , 070 943 , 796

1 , 708 , 903 242 , 076

1 , 343 , 574 2 , 462 , 720 112 , 400

4 , 060 , 657 71 , 847

1 , 642 , 080 312 , 355 637 , 493

10 , 982 , 716 226 , 734 209 , 038 320 , 729

2 , 450 , 697 33 , 718

584 , 915 1 , 278 , 046 838 , 688 474 , 273 507 , 476 185 , 548 207 , 915

1 , 273 , 673 187 , 075 521 , 244 70 , 939

344 , 778 401 , 505

3 , 104 , 104 95 , 093

2 , 367 , 929 346 , 029 379 , 534 903 , 002 377 , 969

1 , 319 , 114 529 , 717

1 , 437 , 897 80 , 806 151 , 382 643 , 122 330 , 172 460 , 554

Page 63: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 73

APPENDIX 3 - continued 74

Example MMACC embodiments ( liquidation Dec . 31 , 2013 ) 2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )

Y5 Ending Valuation

Price Y5

Company Name As Of : * * $ MV

Occidental Petroleum Corporation Office Depot , Inc . Omnicom Group Inc Oracle Corporation PACCAR Inc Pactiv Corp Pall Corporation Parker - Hannifin Corporation Patterson Companies , Inc . Paychex , Inc . Peabody Energy Corporation People ' s United Financial , Inc . Pepco Holdings , Inc . Pepsi Bottling PepsiCo , Inc . PerkinElmer , Inc . Pfizer Inc . PG & E Corporation Philip Morris International Inc . Pinnacle West Capital Corporation Pioneer Natural Resources Company Pitney Bowes Inc . Plum Creek Timber Company , Inc . PNC Financial Services Group , Inc . Polo Ralph Lauren Corp . PPG Industries , Inc . PPL Corporation Praxair , Inc . Precision Castparts Corp . Principal Financial Group , Inc . Procter & Gamble Company Progress Energy Inc . Progressive Corporation Prologis Prudential Financial , Inc . Public Service Enterprise Group Incorporated Public Storage PulteGroup , Inc . QLogic Corporation QUALCOMM Incorporated Quest Diagnostics Incorporated Questar Corporation Qwest Communications International Inc R . R . Donnelley & Sons Company RadioShack Corporation Range Resources Corporation Raytheon Company Regions Financial Corporation Republic Services , Inc . Reynolds American Inc . Robert Half International Inc . Rockwell Automation , Inc . Rockwell Collins , Inc . Rohm & Haas Co . Rowan Cos . Plc Class A Ryder System , Inc . Safeway Inc . salesforce . com , inc . SanDisk Corporation Sara Lee Corp . Schering - Plough Corp . Schlumberger NV Scripps Networks Interactive , Inc . Class A Sealed Air Corporation Sears Holdings Corporation Sempra Energy Sherwin - Williams Company Sigma - Aldrich Corporation Simon Property Group , Inc . SLM Corp Smith International Snap - on Incorporated

95 . 10 5 . 29

74 . 37 38 . 26 59 . 17 33 . 23 85 . 35 128 . 64 41 . 20 45 . 53 19 . 53 15 . 12 19 . 13 38 . 23 82 . 94 41 . 23 30 . 63 40 . 28 87 . 13 52 . 92 184 . 07 23 . 30 46 . 51 77 . 58

176 . 57 189 . 66 30 . 09

130 . 03 269 . 30 49 . 31 81 . 41 60 . 82 27 . 27 15 . 21 92 . 22 32 . 04

150 . 52 20 . 37 11 . 83 74 . 25 53 . 54 22 . 99 6 . 83

20 . 28 2 . 60

84 . 31 90 . 70

9 . 89 33 . 20 49 . 99 41 . 99 118 . 16 73 . 92 78 . 94 35 . 36 73 . 78 32 . 57 55 . 19 70 . 54 33 . 44 28 . 15 90 . 11 86 . 41 34 . 05 49 . 04 89 . 76

183 . 50 94 . 01

152 . 16 26 . 28 38 . 84

109 . 52

20131231 20131231 20131231 20131231 20131231 20131231 20101116 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20100226 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20120702 20131231 20110602 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20110331 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20090401 20131231 20131231 20131231 20131231 20131231 20131231 20091103 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20100827 20131231

2 , 955 , 613 55 , 804 887 , 011

5 , 751 , 626 823 , 528 167 , 546 386 , 721 795 , 510 144 , 159 561 , 066 199 , 831 201 , 792 158 , 722 198 , 261

4 . 943 , 307 186 , 854

7 , 925 , 849 557 , 999

6 , 764 , 250 204 , 747 831 , 260 184 , 303 297 , 711

1 , 036 , 469 381 , 215

1 , 195 , 237 433 , 025

1 , 538 , 905 1 , 440 , 755 490 , 733

9 , 327 , 714 614 , 039 707 , 029 155 , 066

1 , 500 , 512 622 , 281 724 , 152 167 , 054 58 , 073

4 , 717 , 028 325 , 523 153 , 021 383 , 969 159 , 543 12 , 480

502 , 572 1 , 441 , 223 262 , 619 409 , 024 648 , 570 250 , 008 641 , 609 449 , 064 378 , 438 153 , 321 157 , 447 535 , 809 888 , 835 611 , 864 181 , 445

1 , 756 , 053 4 , 136 , 319 298 , 633 206 , 275 104 , 700 839 , 166 691 , 428 452 , 282

1 , 349 , 964 471 , 253 326 , 217 241 , 382

Page 64: MAI MUUTA TONTUNDUM UT

US 9 , 818 , 156 B2 75

APPENDIX 3 - continued Example MMACC embodiments ( liquidation Dec . 31 , 2013 )

2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )

Y5 Ending Valuation

Price Y5

Company Name As Of : * * $ MV

Southern Company Southwest Airlines Co . Southwestern Energy Company Sovereign Bancorp Inc . Spectra Energy Corp Sprint Nextel Corporation St . Jude Medical , Inc . Staples , Inc . Starbucks Corporation Starwood Hotels & Resorts Worldwide , Inc . State Street Corporation Stericycle , Inc . Stryker Corporation Sun Microsystems Sunoco Inc . Sun Trust Banks , Inc . SUPERVALU INC . Symantec Corporation Sysco Corporation T . Rowe Price Group Target Corporation TECO Energy , Inc . Tellabs , Inc . Tenet Healthcare Corporation Teradata Corporation Teradyne , Inc . Tesoro Corporation Texas Instruments Incorporated Textron Inc . The Stanley Works Thermo Fisher Scientific Inc . Tiffany & Co . Time Warner Inc . Titanium Metals Corp . TJX Companies , Inc . Torchmark Corporation Total System Services , Inc . Travelers Companies , Inc . Tyco Electronics Ltd . Tyco International Ltd . Tyson Foods , Inc . Class A U . S . Bancorp Union Pacific Corporation United Parcel Service , Inc . Class B United States Steel Corporation United Technologies Corporation United Health Group Incorporated Unum Group UST Inc . V . F . Corporation Valero Energy Corporation Varian Medical Systems , Inc . VeriSign , Inc . Verizon Communications Inc . Viacom Inc . Class B Vornado Realty Trust Vulcan Materials Company W . W . Grainger , Inc . Walgreen Co . Wal - Mart Stores , Inc . Walt Disney Company Waste Management , Inc . Waters Corporation Watson Pharmaceuticals Inc . Weatherford International Ltd . WellPoint , Inc . Wells Fargo & Company Western Union Company Weyerhaeuser Company Whirlpool Corporation Whole Foods Market , Inc . Williams Companies , Inc .

41 . 11 18 . 84 39 . 33

2 . 47 35 . 62 7 . 18

61 . 95 15 . 89 78 . 39 79 . 45 73 . 39

116 . 17 75 . 14

9 . 49 46 . 75 36 . 81 7 . 29

23 . 58 36 . 10 83 . 77 63 . 27 17 . 24

2 . 44 42 . 12 45 . 49 17 . 62 58 . 50 43 . 91 36 . 76 80 . 69 111 . 35 92 . 78 69 . 72 16 . 50 63 . 73 52 . 10 33 . 28 90 . 54 55 . 11 41 . 04 33 . 46 40 . 40 84 . 00 105 . 08 29 . 50 113 . 80 75 . 30 35 . 08 69 . 46 62 . 34 50 . 40 77 . 69 59 . 78 49 . 14 87 . 34 88 . 79 59 . 42

255 . 42 57 . 44 78 . 69 76 . 40 44 . 87

100 . 00 168 . 00 15 . 49 92 . 39 45 . 40 17 . 25 31 . 57

156 . 86 57 . 83 38 . 57

20131231 20131231 20131231 20090129 20131231 20130710 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20100126 20121004 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131203 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20130107 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20090105 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231 20131231

1 , 221 , 995 534 , 811 518 , 173 51 , 606

835 , 253 787 , 143 818 , 236 435 , 005

2 , 212 , 558 558 , 057

1 , 216 , 513 381 , 502 698 , 501 268 , 975 209 , 674 500 , 211 59 , 239

756 , 494 830 , 011 830 , 663

1 , 827 , 744 140 , 782 37 , 269 167 , 764 307 , 239 114 , 460 310 , 811

2 , 184 , 567 340 , 104 244 , 007

1 , 795 , 630 438 , 293

3 , 199 , 451 53 , 889

2 , 036 , 428 382 , 518 251 , 364

2 , 030 , 903 967 , 787 744 , 835 387 , 902

2 , 720 , 213 3 , 264 , 996 4 , 013 , 005 131 , 600

4 , 151 , 424 3 , 490 , 155 445 , 762 395 , 575 842 , 650 998 , 021 370 , 426 445 , 122

5 , 356 , 457 2 , 056 , 333 468 , 101 251 , 168 633 , 697

2 , 181 , 973 6 , 751 , 681 5 , 426 , 922 844 , 723 377 , 300 674 , 352 404 , 862

1 , 804 , 746 6 , 602 , 568 473 , 685 648 , 290 442 , 502 622 , 771 856 , 524

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US 9 , 818 , 156 B2 77

APPENDIX 3 - continued Example MMACC embodiments ( liquidation Dec . 31 , 2013 )

2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )

Y5 Ending Valuation

Price Y5

Company Name As Of : * * $ MV

Windstream Corp . Wisconsin Energy Corporation Wyeth Wyndham Worldwide Corporation Wynn Resorts , Limited Xcel Energy Inc . Xerox Corporation Xilinx , Inc . XL Capital Ltd . XTO Energy Inc Yahoo ! Inc . YUM ! Brands , Inc . Zimmer Holdings , Inc . Zions Bancorporation

7 . 98 41 . 34 50 . 39 73 . 69 194 . 21 27 . 94 12 . 17 45 . 92 31 . 84 41 . 81 40 . 44 75 . 61 93 . 19 29 . 96

20131231 20131231 20091015 20131231 20131231 20131231 20131231 20131231 20131231 20100625 20131231 20131231 20131231 20131231

134 , 567 370 , 985

2 , 574 , 728 501 , 460 459 , 112 481 , 462 404 , 251 482 , 665 404 , 177 925 , 464

2 , 153 , 592 1 , 342 , 153 803 , 111 132 , 603

* - Split adjusted for consistency * * Companies that stop trading have their cash balances carried forward

What is claimed is : a stream value interface for reading stream values of the 1 . A processor - readable non - transient value stream user 25 value stream data structure ;

interface component medium storing processor - issuable and a display region for display of any the mechanisms . instructions , for access by a processor - executable program 2 . The processor - readable non - transient value stream user component to provide a ( n ) datastructure value stream , com interface component medium of claim 1 storing processor prising :

a processor - operable capital structure component interac - 30 issuable instructions for allocating a portion of each of a tion - interface stored in the medium , the interaction plurality of a stock ' s return to different funds , said different interface having a plurality of interaction - interface funds being correlated to said income generation compo mechanisms , wherein the processor - issuable instruc nent , said growth and income generation component , and tions embody the interaction - interface mechanisms and said capital appreciation component .

3 . The processor - readable non - transient value stream user associated data , including : a specification interface mechanism to specify a capital interface component medium storing processor - issuable

instructions of claim 1 , wherein the stream value interface structure component class for a capital structure com ponent data structure ; may stream various equity component constituents and

an interaction interface mechanism to specify slice type assessing appropriate allocation to said income generation subcomponents of the capital structure component data 40 40 component , said growth and income generation component , structure including : and said capital appreciation component .

income generation components , growth and income gen 4 . The processor - readable non - transient value stream user interface component medium storing processor - issuable eration components , and a capital appreciation compo instructions of claim 1 , wherein the capital appreciation nent ( s ) ;

a widget interface mechanism to initiate generation of a 45 com a 45 component comprises one or more of a UIT allocation sub - component , a CLO and CEO allocation sub - component value stream data structure , wherein engagement of the

widget interface : and an ETF sub - component . effectuates population of the capital structure component 5 . The processor - readable non - transient value stream user

data structure , interface component medium storing processor - issuable effectuates population of each slice type subcomponent 50 + 50 instructions of claim 1 , wherein the preferred share class

with assets according to the specification of the slice component comprises one or more of an income share class type subcomponent and according to the specified sub - component and a growth and income sub - component .

6 . The processor - readable non - transient MMACC capital structure component type value stream data structure , medium storing processor - issuable instructions of claim 1 ,

instantiates the value stream data structure and associates 55 W cistes 55 wherein the common share class component comprises a the value stream data structure to the values in the capital appreciation share class sub - component . capital structure component data structure ; and * * *