Dow 10 Portfolio Series 18

The Trust consists of an equally dollar weighted portfolio of stocks of the 10 companies in the Dow Jones Industrial Average (“DJIA”) that have the highest dividend yields five business days prior to the initial date of deposit (the “Inception Date”) and hold them for approximately 15 months.

The Sponsor believes that dividends play an important part in total return and that stocks that have higher dividend yields may also be undervalued. The Sponsor also believes that blue chip stocks that are undervalued have the potential for higher total returns over time. As a result of this strategy, the Trust invests significantly in the consumer products, information technology and telecommunication services sectors.

See “Investment Policies” in Part B of the prospectus for additional information.

The securities included in the Trust’s portfolio are the common stocks of the ten companies listed on the DJIA with the highest dividend yields five business days prior to the Inception Date. The dividend yields were calculated by annualizing the last quarterly or semi-annual ordinary dividend declared and dividing the result by the market value of the security as of the close of business five business days prior to the Inception Date.

INDEX DEFINITIONS: The DJIA is a price-weighted index of 30 stocks compiled by Dow Jones & Company. Indexes are unmanaged and it is not possible to invest directly in an index.

As with all investments, you may lose some or all of your investment in the Trust. No assurance can be given that the Trust’s investment objective will be achieved. The Trust also might not perform as well as you expect. This can happen for reasons such as these:

• Securities prices can be volatile. The value of your investment may fall over time. Market value fluctuates in response to various factors. These can include stock market movements, purchases or sales of securities by the Trust, government policies, litigation, and changes in interest rates, inflation, the financial condition of the securities’ issuer or even perceptions of the issuer. Units of the Trust are not deposits of any bank and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

• The Trust invests significantly in the information technology sector. As a result, the factors that impact the information technology sector will likely have a greater effect on this Trust than on a more broadly diversified Trust. Some of the risks associated with the information technology sector are listed below. Companies involved in this sector must contend with rapid changes in technology, intense competition, government regulation and the rapid obsolescence of products and services. Furthermore, sector predictions may not materialize and the companies selected for the Trust may not represent the entire sector and may not participate in the overall sector growth.

• The Trust invests significantly in securities of telecommunications services companies. General risks of investing in telecommunications services companies include rapidly changing technology, rapid product obsolescence or loss of patent protection, cyclical market patterns, evolving industry standards and frequent new product introductions. Competitive pressures are intense and stocks of telecommunications services companies can experience rapid volatility.

• The Trust invests significantly in the consumer products sector. As a result, the factors that impact the consumer products sector will likely have a greater effect on this Trust than on a more broadly diversified Trust. Some of the risks associated with the consumer products sector are listed below. General risks of companies in the consumer products sector include cyclicality of revenues and earnings, economic recession, currency fluctuations, changing consumer tastes, extensive competition, product liability litigation and increased government regulation. A weak economy and its effect on consumer spending would adversely affect companies in the consumer products sector.

• Share prices or dividend rates on the securities in the Trust may decline during the life of the Trust. There is no guarantee that share prices of the securities in the Trust will not decline and that the issuers of the securities will declare dividends in the future and, if declared, whether they will remain at current levels or increase over time.

• Inflation may lead to a decrease in the value of assets or income from investments.

• The Sponsor does not actively manage the portfolio. The Trust will generally hold, and may, when creating additional units, continue to buy, the same securities even though a security’s outlook, market value or yield may have changed.

See “Investment Risks” in Part A of the prospectus and “Risk Factors” in Part B of the prospectus for additional information.