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DISCLAIMERS

The information in this presentation and any other materials are furnished on a conﬁdential basis exclusively for your use and retention. Each person who has received a copy of any such information agrees (i) not to reproduce or distribute any information, in whole or in part, (ii) to maintain the conﬁdentiality of the information and not to disclose any such information to any other party, and (iii) not to use the information for any purpose other than evaluating the potential investment presented herein.

The information contained herein is subject to change without notice and may not be updated or otherwise revised to reﬂect information that subsequently becomes available, or circumstances existing or changes occurring after the date hereof. Some of the statements contained in this presentation constitute forward-looking statements within the meaning of the federal securities laws, and federal and state tax laws. Forward-looking statements relate to expectations, beliefs, projections, future plans and strategies, anticipated events or trends and similar expressions concerning matters that are not historical facts. In some cases, you can identify forward-looking statements by the use of forward-looking terminology such as “may,” “will,” “should,” “expects,” “intends,” “plans,” “anticipates,” “believes,” “estimates,” “predicts,” or “potential” or the negative of these words and phrases or similar words or phrases which are predictions of or indicate future events or trends and which do not relate solely to historical matters. You can also identify forward-looking statements by discussions of strategy, plans, or intentions.

For illustration purposes only. The numbers and assumptions presented here could vary greatly depending on changes in tax rates, tax laws, investment rates of return, administration fees, and setup costs. There is no guaran-tee that the actual results will be as good as illustrated. Do not act on these illustrations without consulting with proper tax and legal experts. Captive insurance companies are a risk reduction tool that offer tax advantages. They may operate very differently than other strategies available to a corporation and have features and beneﬁts that may or may not be appropriate for every business owner.

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