“Thinking Differently” through your own Privati$ed Banking Strategy Through extensive research and a broad knowledge base on different financial institutions, we believe there are specific types of life insurance companies that offer specific types of life insurance contracts with certain beneficial features to a real estate investor. A highly trained financial professional can use these contracts to offer a conservative saver, and/or real estate investor a tremendous alternative to traditional banking methods Please understand that we are not actually creating a real bank for our clients or communicating that life insurance companies are the same as a bank. Rather we are attempting to design a financial vehicle that can mimic certain banking functions in one’s personal/business economy – like financing real estate investments and controlling where your cash flow is stored

Not the “Status Quo” Life Insurance Privatised Banking policies are designed dramatically different than “off the rack” permanent life insurance. Working with an experienced expert is crucial. Designed for maximum cash value, minimum death benefit Has nothing to do with dying Tremendous Tax Advantages Guaranteed Loan Provision – No Qualifying & Guaranteed Financing Total Control of Repayment Terms Ability to Make a Positive Spread on Collateralized Funds 100% Unlimited Creditor Protected in Florida 5-6% Tax Free return over life of policy Very few assets have the ability to generate an Internal Return (policy dividends) while you create an External Return by Investing or Utilizing your Money

Case Study #1- Rental Property Scenario #1 – Buy $100,000 Property with 20% Down (CASH) Variables to Consider Closing Costs - $1,000 $80,000 Loan @4% for 30 years $1,000/mo. Gross Rental Income $724/mo. Monthly Expenses (Mortgage, Property Taxes, Insurance and Maintenance) 25% Marginal Tax Bracket and 15% Capital Gains Rate Assume land is worth $25,000 and $75,000 is the structure that can be Depreciated Property is sold in 10 years with 0% Appreciation and you pay 6% Realtor fees to sell the property Net Cash Out is $24,155 After-Taxes and Loan Payoff Total Rate of Return (ROR) is 14.00% 100% of ROR is External (Cash Flow and Pay Down of the Loan Balance)

Case Study #1- Rental Property Scenario #2 – Buy $100,000 Property with 80% Traditional Bank Loan and 20% Private Banking Loan Only difference in variables is that you take out $20,000 from your Private Bank Borrow at 5% and structure payback over 10 years ($212/mo.) to yourself through the Privatised Banking account Net Cash Flow is less but your Private Bank is still earning dividends and interest while your monthly pay back is rebuilding liquidity in your PB account. Property is sold in 10 years with 0% Appreciation and you pay 6% Realtor fees to sell the property Net Cash Out is $24,155 After-Taxes and Loan Payoff Total Rate of Return (ROR) is 41.50% Idle Cash is not sitting in the home earning 0% Your money is working for you in the PB, in the bank loan amortization, and in the cash flow going to your PB account

Case Study #1- Rental Property Scenario #3 – Buy $100,000 Property with 80% Traditional Bank Loan and 20% Private Banking Loan Only difference in variables is that you take out $20,000 from your Private Bank Borrow at 5% and DO NOT payback any of the principal or interest to PB account Your Private Bank is still earning dividends and interest while the loan balance increases against the PB account. Property is sold in 10 years with 0% Appreciation and you pay 6% Realtor fees to sell the property Net Cash Out is $24,155 After-Taxes and you payoff the entire Traditional Bank Loan. Use $20,000 to payback PB Loan Principal and let Interest accrue against the death benefit Total Rate of Return (ROR) is 210.32% Idle Cash is not sitting in the home earning 0% Your money is working for you in the PB, in the bank loan amortization, and in the cash flow going to you directly.

Case Study #2: 12 Month Flip Scenario #1 – Buy Property with 100% CASH Variables to Consider Purchase Price - $50,000 Closing Costs - $1,000 Improvements - $10,000 Taxes & Insurance - $1,000 Property is sold in 12 months at $75,000 25% Marginal Tax Bracket and 15% Capital Gains Rate Net Cash Out is $71,250 After-Taxes Total Rate of Return (ROR) is 14.83% 100% of ROR is Internal (All of your assets were inside the property until you sold it)

Case Study #2: 12 Month Flip Scenario #2 – Buy Property with Traditional Loan from a Bank Variables to Consider Purchase Price - $50,000 Closing Costs - $1,000 $40,000 Mortgage – 4% for 30 years Improvements - $10,000 Taxes & Insurance - $1,000 Property is sold in 12 months at $75,000 25% Marginal Tax Bracket and 15% Capital Gains Rate Net Cash Out is $31,954 After-Taxes and Bank Loan Payoff Total Rate of Return (ROR) is 35.29% ROR is both Internal and External (Property Value and use of Bank’s Money)

Case Study #2: 12 Month Flip Scenario #3 – Buy Property with Traditional and Private Bank Strategies Variables to Consider Purchase Price - $50,000 Closing Costs - $1,000 $40,000 Mortgage – 4% for 30 years $21,000 Loan from Private Bank for down payment and improvements – No Payments back to Private Bank Taxes & Insurance - $1,000 Property is sold in 12 months at $75,000 25% Marginal Tax Bracket and 15% Capital Gains Rate Net Cash Out is $9,880 After-Taxes, Bank Loan Payoff, and PB Loan Payoff Total Rate of Return (ROR) is 275.64% ROR is both Internal and External (Property Value, use of Bank’s Money and Leveraging your own Private Bank)

Shawn Byerly- CLU, CFBS 786-279-2207(Office) 918-688-7906 (Cell) CONTACT: Shawn Byerly- CLU, CFBS 786-279-2207(Office) 918-688-7906 (Cell)