GULF STREAM ARM Providing Quality Products and Services to the Community of Professional Advisors

Introduction A National Crisis Gulf Stream ARM – Who We Are Benefits Goals Clients Fees Guarantees Sample Plan

A National Crisis Consumer Debt Doubles -- New Study Shows 1. Consumer debt has doubled in the last 10 years. 2. In Oct consumer debt hit a record high of $1.98 trillion. 3. Non-mortgage consumer debt now averages more than $18,700 per household. 4. The nation’s savings rate dropped to just 2% of after tax income. AP Jan 6, 2004

Gulf Stream ARM Who We Are And What We Do Gulf Stream ARM Who We Are And What We Do Consumers have available to them professional services in the areas of tax management, risk management and asset management. The sole area of their financial lives where they are left to fend for themselves is – liability management. Professional Advisors can now offer real liability management. Without increasing payments or compromising credit ratings, all creditor obligations are eliminated – including mortgages – in 7 to 10 years. And there’s no net out-of-pocket expense to enroll.

Gulf Stream ARM What It Is and What It Is Not Gulf Stream ARM What It Is and What It Is Not The Program for Liability Management vs. Debt Consolidation The Program for Liability Management vs. Credit Counseling The Program for Liability Management vs. Debt Settlement Negotiation

Benefits Free of All Credit Liabilities in 7-10 yrs including Mortgages! No increase in monthly outlay No out of pocket expenses Platinum Credit Private Banking Your dreams a reality – True Financial Freedom “Would you benefit from this program?”

Benefits More Money In Your Pocket For: Education Provide More $ For Children or Grandchildren’s Education Retirement Keep The $ You Worked So Hard for. Estate Planning Cut Creditors Out Of Your Inheritance

How We Accomplish Your Goals

Financial Planning Develop a Personal Financial Plan unique to each Client: Analyze current liability portfolio - terms, interest rates, and amortization schedules Provide cash flow options to comply with the Client’s goals and circumstances

Finance Exchange current debt obligation with those under better terms and conditions. There’s no negotiation with creditors. This is NOT credit counseling. Example: –Exchange $3, monthly debt service to $2,500.00

Technology Proprietary Software Developed with two missions in mind: –Most rapid elimination of debt possible –Largest dollar savings of current interest obligations

Private Banking Gulf Stream ARM’s private banking and treasury management subsidiary, Trustmark Plan Administration, Inc. makes all payments according to the Cash Flow Option selected by the Client. Customer Service is available to answer questions. Progress Reports are shipped monthly. Credit scores are improved.

Who are our clients? Homeowners Seeking Liability Management Motivated to Plan for Quality Years in Retirement Take Charge of Your Finances with Gulfstream

Who are our clients? 1. Above median income, reasonable credit history 2. Homes with mortgages 3. Cars financed by note(s) 4. Credit cards and personal loans YOUR FOUND MONEY provides a TRUE ALTERNATIVE

How our Program Works SAMPLE FINANCIAL PLAN: John & Mary Doe

Detailed Analysis INTEREST EXPENSE $318, SCHEDULED TO BE IN DEBT 30.8 Years

Detailed Analysis

Your Debt Portfolio Analyzed $3, Monthly Outlay To Creditors

The Creation of an Accelerator The Accelerator is Created by exchanging your current debt Obligations with those with better terms. By instituting new Financing we pay off as many creditors as possible.

The Creation of an Accelerator New total minimum payments are established

The Creation of an Accelerator The Accelerator is the savings created by the difference of the clients current monthly outlay to creditors and the newly calculated Monthly outlay once the debt-exchange has been undertaken. Example: $3, Monthly Outlay based on current creditor obligation $2,874.00Monthly Outlay after Proposed Financing = $726 Savings per month

The Snow Ball Effect Minimum Payments are now a thing of the past! $75 + $726 Minimum

The Snow Ball Effect PAID IN FULL $105 + $75 +$726 Minimum

Effective Interest Rates When all Creditor obligations are paid in full, the total Monthly outlay is applied to the new financing. $3,600 a month Debt Service attributed directly to the 30 year Note retired this debt in 4.3 Years.

John & Mary Doe’s Benefits Debt free in 8.1 Years Mortgage Paid off in Full Effective Interest Rate of 2.16% Saved $230, in Interest Able to now invest in Assets: –Potential to achieve 2.8 Million by 2033

Imagine Your Financial Independence

Three Reasons Why Financial Services Professionals Should Include Gulf Stream ARM’s Liability Management Solution In Their Product Mix

Reason #1 Become More involved in helping your clients achieve true financial independence: Many people don’t save enough for retirement because they owe too much Many retirees still have to work because they haven’t saved enough and/or still owe substantial amounts to creditors

Reason #2 Generate a New Source of Revenue Which Doesn’t Require New Assets: Many investors have no more money to invest - they are “tapped out” Reducing a client’s monthly credit outlay can help find those new assets

Reason #3 Gain New Customers Who May Have Not Been Candidates For Traditional Financial Planning Services People with little money to invest can now benefit from a service you offer which ultimately will provide them with assets in pocket that previously they saw going to creditors