3. “Where does your money go?” 3%

4. 20 40 60 80 100 WealthyWorkingSecurePassed Away Broke 1% 1% 36% 4% 5% 54%

8. Cashflow GPS Three Components 1. Your 1 st Mortgage 2. Advance Line of Credit (ALOC) 3. GPS Software & Web Site

9. Component #1: Your 1 st Mortgage Closed End Loan  The lender at minimum will apply a full scheduled payment  We can pay money in but cannot withdraw  Driven by an amortization schedule  Calculates interest charges from month- end principal balance CASHFLOW GPS

10. PrincipalInterestBalanceEquityPaid Month 1 Month 2 Year 1 Year 5 Year 10 Year 21 Year 30 $199.10 $1,000.00 $200.10$999.00 $210.33$988.77$197,543$2,457$14,389 $267.22$931.88$186,108$13,891$71,946 $360.44$838.66$167,371$32,628$143,891 $696.23$502.89$99,877$100,123$302,173 30 yr Fully Amortized Loan $200,000 Principal Balance 6% Interest Rate $1,199.10 Monthly Payment $431,677 Your 1 st Mortgage

11. Component #2: Your Advanced Line of Credit (ALOC) Open End Loan  The lender will apply money to loan balance when received  Lender will adjust principal balance multiple times per month  Views daily balance to assess interest charges  Allows money to come in and go out Cashflow GPS

12. Options for your ALOC 1. Home Equity Line of Credit 2. Personal Line of Credit 3. Business Line of Credit 4. Credit Card

13. $200,000 Mortgage Closed End loan Closed End loan Open End loan Open End loan

14. 8-20%

15. 8-20%

17. Open Ended Average Daily Balance Average Daily Balance $20,000 Available $10,000 Available $15,000 Available $18,000 Available

18. $18,000 Available

19. Cashflow GPS

21. Sample Family / Cash Flow GPS $5,000 Monthly income -$4,000 Living expense (mortgage, car payment) $1,000 Discretionary income (left over $$$)

22. Month 1$3,500Cash Flow GPS $4,000Expenses $7,500 $5,000Income $2,500Average Daily Balance Month 2$4,000Expenses $6,500 $5,000Income $1,500Average Daily Balance $20.83 $12.50

23. Month 3$1,500 $4,000Expenses $5,500 $5,000Income $ 500 $3,675.77Funds transfer $4,175.77Average monthly balance $34.80 Interest Cancellation $17,249 Interest Cancellation $17,249 Reduced mortgage by 18 months Reduced mortgage by 18 months PrincipalInterestBalance Remaining Payments Month 1199.101,000.00199,800.90359 Month 2200.10999.00199,600.80358 Month 3201.10998.00195,723.93339 Month 4220.48978.62195,503.45338 Month 5 ` Principal Jump 3 month total $68.13 3 month total $68.13 $220.48 $201.10 $ 19.38 $220.48 $201.10 $ 19.38

24. Month 12$2,003.68 $4,000Expenses $6,003.68 $5,000Income $1,003.68 $2,917.67Funds transfer $3,921.35Average monthly balance $32.68 Interest Cancellation $ 10,184 Interest Cancellation $ 10,184 Reduced mortgage by 14 months Reduced mortgage by 14 months 12 month total $297.89 12 month total $297.89 12 month total Interest Cancellation $50,862 12 month total Interest Cancellation $50,862 12 month total Reduced mortgage by 53 months 12 month total Reduced mortgage by 53 months Principal Jump PrincipalInterestBalance Remaining Payments Month 10256.59942.51188,245.86308 Month 11257.87941.23187,987.99307 Month 12259.16939.94184.811.16295 Month 13275.04924.06184,536.12294 Month 14 $275.04 $199.10 $ 75.94 $275.04 $199.10 $ 75.94 `

25. Cashflow GPS AW STRATEGIES Conventional Program Starting Balance 9.7 years $67,096 30 years Repayment Time Total Interest Paid $184,811$184,752 Balance in 1 Year Balance in 5 Years Total Interest Savings

26. $500,000 $470,000 $440,000 $410,000 $380,000 $350,000 $320,000 $290,000 $260,000 $230,000 $200,000 $180,000 $160,000 $140,000 $120,000 $100,000 $80,000 $60,000 $40,000 $20,000 5 10 15 20 25 30 Y e a r s

29.  Upside returns.  Grows tax free.  No risk of principle loss.  No Fees.  Lawsuit proof.  Creditor proof.  Flexibility.  Liquidity.

30. Finances $50,000 every 4 years, re-capturing the $94,501.11 in interest!

31. MALE, AGE 30 Dividends to paid-up additions $1,233,439 L/65 Preferred Non-smoker$14,999.99 Paid-Up Additions Rider$25,000 Total Premium $40,000 Initial Funding $160,000 Cash Value $157,363 Death Benefit $1,684,787

32. 20 40 60 80 100 WealthyWorkingSecurePassed Away Broke 1% 36% 4% 5% 54%

33. $1,233,439 L/65 Preferred Non-smoker$14,999.99 Paid-Up Additions Rider$25,000 Total Premium $40,000 MALE, AGE 30 Dividends to paid-up additions Initial Funding $160,000 Cash Value at age 66 $1,517,320 Income for 19 years $1,748,000 Death Benefit at age 84$2,407,736 All Income Tax-Free

34. MALE, AGE 30 Dividends to paid-up additions $1,233,439 L/65 Preferred Non-smoker$14,999.99 Paid-Up Additions Rider$25,000 Total Premium $40,000 Initial Funding $160,000 Year 4 Surrender Value $157,363 Vehicle Loan $ 52,600

35. MALE, AGE 30 Dividends to paid-up additions $1,233,439 L/65 Preferred Non-smoker$14,999.99 Paid-Up Additions Rider$25,000 Total Premium $40,000 Initial Funding$160,000 Car Loan$ 52,600 Total Car Loans $473,400 Cash Value at Age 65 $1,988,254 Retirement Income to age 84 $2,350,000 Death Benefit at age 84 $3,119,289 All Income Tax-Free