The Greatest Investment You've Never Heard Of (Add Your Company Name Here)

1. The Greatest Investment You've Never Heard Of (Add Your Company Name Here)

2. 10 Year Treasury Definition of Risk-Free Return The theoretical rate of return attributed to an investment with zero risk. The risk-free rate represents the interest on an investor's money that he or she would expect from an absolutely risk-free investment over a specified period of time.

3. The Dow Doubles 3 Times Over 18 Years 1995 – 2000 2002 – 2007 2009 – 2012

4. Experts Recommend investors must be compensated with a higher rate of return than the interest rate of zero risk (T-Bills). General market risk can range from 3-5%. Investors should expect to receive 7-9% for taking on RISK. Risk Free Rate of Return 10 Years 18 Years Do Americans who invest actually get these returns?

5. Most are lead to believe they do Average vs. Actual

7. How has your investment portfolio performed over the past five years? 2012 2011 2009 2010 2008

8. What type of returns do you need to recover your losses and financially get back on track over the next 5 years?

9. How much risk are you willing to take to recover your losses?

10. Low Risk High Risk Increasing Risk Stable Value Strategies Relative Risk Continuum* Life Settlements - median and average during the past 10 years is over 10% per investor No Parity of Risk Money Market S&P 500 Hedge Funds Investment Grade Bonds Junk Bonds 1 yr Treasuries Emerging Market Stocks Alternative Strategies Traditional Strategies *Relative placement of indices and asset classes based on subjective and industry accepted risk attributes

11. true diversification an historic double digit ROI • If you need___________, this asset class is ideal… no ongoing management fees low risk a vetted asset class a clear exit event transparency growth vehicle

12. Life Settlement Investments For accredited investors

13. What Are Life Settlements? A Life Settlement is the purchase of an existing life insurance policy at a discount to its face amount. Policyholders are financially sophisticated individuals or trusts who purchased policies for estate planning or other financial purposes and no longer need the coverage.

14. 92% of Life Settlement policies are purchased by institutions - buying the entire policy Sell Buy 7+% of Life Settlement policies are purchased through Life Partners

15. History and Legal Basis • Life Settlements were recognized as a legal transaction by the U.S. Supreme Court in 1911. They ruled a life insurance policy is your personal property. An insured has the right to buy, sell or give away their policy. Life Settlements were developed in order to meet the needs of individuals who have life insurance they no longer want, need or can afford.

16. Why Invest in Life Settlements? Inherent Asset Value of Life Settlements Even during the Great Depression, life insurance companies still paid off their policies. True Diversification Life Settlements are immune from fluctuations in the stock and bond market, fuel prices and business cycles. • Reliable Returns Without A Parity of Risk • Because the key factors affecting yield are initial discount and time, rather than economic conditions, exceptional returns can be realized without a parity of risk to investment capital.

17. Risks Of Investing In Life Settlements

18. Who Is Involved In The Transaction?

19. Why Life Partners? Audited results 23 Years of experience 6,800+ Policies purchased 2,600+ Policies paid 30,000+ Clients 150,000+ Transactions Audited Results

20. Audited Results Cole + Reed Jan 1, 2001 through Dec 31, 2012 Average ROI for all LPI Transactions 18.7% Targeted ROI 8%

22. Confidential Case History • All Policies have two LE’s from separate companies. • All policies provide summary of medical history • 3 years of escrowed premiums are reserved

23. How Does It Actually Work? • Premiums Optimized over 15+yrs • Premiums escrowed for 36 months • 11.74% IRR at Longer LE • 17.5% IRR at Shorter LE • 14.5 IRR at Average LE • At age 100 IRR is 1.91 • Premium calls start after 3 years • Premium calls are to Life Settlements, as Real Estate Taxes are to Real Estate

24. Early Maturities produce Large Returns

28. ACCREDITED INVESTOR DISCLAIMER This presentation is for informational & educational purposes only. This presentation does not constitute an offer to sell or a solicitation of any offer to buy any securities in any state or in the united states of America.This presentation is intended only for preview by accredited investors and by viewing and participation in this presentation represents that an individual would be classified as an accredited investor as that term is defined by the state of Texas.Participants must not construe the contents of this presentation or any prior or subsequent communication from the company, agents or affiliates, or any other person associated with this presentation, as legal, financial, tax or investment advice. Each participant should consult his or her own personal legal counsel, business or tax advisor as to legal, tax, financial and related matters concerning the matters described in this presentation.

29. Financial Freedom Be Confident About Your Financial Future ADD ADVISOR INFORMATION HERE