Structured Finance Notes & Bonds

1. INTERNATIONAL STRUCTURED FINANCE SOLUTIONSInsurance-Linked Capitalization Arbitrage Program (iCAP)www.iCapVentures.com

2. Structured FinanceNotes & Bonds Information in this presentation is subject to change without notice All calculations and timeframes are approximations. Ratings are by Standard & Poor or Moody’s The information herein shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of securities in any state in which such offer, solicitation or sale is not authorized. An offering is made solely by the prospectus to accredited investors. The reader of this information is advised to consult an attorney and perform adequate due diligence before making any decisions. Minimum Loan Amount $5M – Max Loan Amount $100M (smaller projects will require combining with others to equal a total of $100M – multiple bonds per project are feasible). We participate in 10% to 20% of Equity Capital is disbursed in tranches per schedule, with quarterly audits

3. Qualifications & Requirements Project/Venture must meet some or all of these requirements to apply with iCAP: Purpose – Creates or advances new &/or green technology, jobs, industry, real estate (limited new construction), film, for-profit humanitarian, others may be considered on their merits and business model Profit Potential – Project must be able to pay minimum of 10% per year of original loan amount, year 3 - 10 (quarterly starting 27th month). Management – Project/venture sponsors must be seasoned and experienced in their business sector. Proof of Funds – $5,000 per $1M of required capitalization, for underwriting, legal, due diligence and processing of loan application. Application must contain: Business Executive SummaryBusiness Plan – project details, mgmnt., market & intellectual propertiesTen year Pro formaClient/borrower/issuer information sheet

4. Process, Approval & Use of Funds Submit Application and Required Client/Borrower Deliverables iCAP Due Diligence and Pre-approval or Non-approval If Letter of Pre-approval Issued with Preliminary Term Sheet, Initial Transaction Fee is Required for Loan Processing Repackaging, Legal, Underwriting, Trust Indenture, Collateral Bond Reservation, Escrow Account Established, Final Term Sheet Issued Estimates of Initial Items to be Paid from Escrow Account: Institutional Investor/Lender Reservation Fee $ 45,000 Introducing Broker $ 50,000Collateral Underwriting Reservation/Retainer $ 142,500Legal $ 45,000Note Assignment Fee $ 30,000Indentured Trust, Issuing Agent, Consulting Fees $ 187,500 TOTAL $ 500,000

5. Timeline & Loan/Bond Processing Cycle iCAP Secures Institutional Investor/Lender Partners Arranges A Rated Collateral Guarantee Fund Lends Net Proceeds to Project & Provides TPA Retains % of Equity Est. Timeline18 to 22weeks TimelineStarts $150,000 IssuingAgent & Consulting Fees START Excess funds released toProject perDisbursementSchedule iCAP receives & approves Project(s) BP, Pro forma and Application Est. Timeline14 to 18weeks Example $100M Loan$80M Net Proceeds Establish EscrowAccount – Fees to be expensed as incurred Reserve Account Established for Interest, Premium Payments & Maint. Fees MTN Funds releasedfor acquisition of Insurance-Linked Collateraland A+ Rated reinsurance binder 2 to 6 weeks per # of projectsrequired First 2-Yrs Principal is pre-paid. Project pays 10% of Gross Loan Amount yrs 3 – 10 to equal total Principal repayment only $30,000 Note Assignment Fee Project underwritten& attached to MTNInsurance-LinkedAsset CollateralIdentified & reinsuranceCommitted iCAP securesMTN & IndentureTrust from PartnerInstitutionalInvestor/lender Est. Timeline8 to 12weeks Est. from Escrow:$45,000 MTN Reservation$50,000 Introducing Broker $45,000 Legal$37,500 Indentured Trust $142,500 Collateral Retainer

6. Loan Cost Structure

7. iCAPVentures Insurance-Linked CapitalizationArbitrage Program (iCAP)Basic Structure Syndication of Institutional Investors/Lenders ICIB = International Capital Investment BankTPA = Third Party Administrator Return of 100%+ of Principal End of Term $577M Indenture Trust $581M Gross Loan Funds Required Net Balance of Loan to Project Principal & InterestPayments $xxxM Negotiates Terms & Invests in re-insured Life Settlement Fund $80M ICIB&TPA Project or VentureBorrower Prin. Payments Premium Payments $80M $497M Set Aside FundPrin. & Interest, Premiums, Maint/Admin fees Set Aside Funds are Administrated by TPA for payments due participating parties & invests funds standing still

8. Custodian, Trustee, Escrow Agent Collateral Manager Insurance-Linked Asset Securitization Diagram Policyholders Actuaries Cash to Providersfor Providers Reinsurance Guarantee for Longevity Risk Issuer(Bankruptcy Remote Trust) Broker Provider Sale of PoliciesPursuant toOrigination Agreements Broker Provider Broker Provider Liquidity Facility Cash Transfer DuplicateMedicalExaminer PrimaryMedicalExaminer Tracking Agent Counsel or Adviser to Check Inconsistency Between Medical Records & Initial Insurance Application State & Local Regulatory Counsel – for True Sale Transfer & Compliance Confirmation Tax Advisors/ Auditors Interest &Principal Private Placement Agent Investors

9. ICIB Invests $xxxM through its Professional Fund Administrator (“PFA”) Fund Participant Asset-Class Collateral SecuritizationA+ Rated Reinsured Insurance-Linked Longevity Product Funds are Swift transferred to ICIB/PFA established International Bank Bank transaction PFA as Escrow Agent establishesTrust for transaction & Admin. offunds Escrow Agent Trust company  PFA facilitates rated Reinsurance Establishes legal docs to transfer beneficial interest in policies Manages fund & premiums A+ Rated Wrap Reinsurance Payment to co-beneficiary of policy Premium (admin fees for fund) 1st yr & buffer Fund Administrator ICIB makes premium paymentsafter yrs 1 & 2 no 10-Yr term expired? Insured person dies? 10-Yr payment? no Bank transaction by participant (premium) no yes yes yes  Reinsurance pays end of term Balance remaining Life Insurer pays death benefits Premiums maintained to term on un-matured policies Reinsurance company pays Insurance company pays Premium complied with At end of Term PFA Fund pays out balance of any un-matured policies so the total combined “guaranteed” return from this Fund equals $581M Fund Participant

10. Benefits Borrower: 100% Loans Possible No Collateral Requirements Possible No Personal Recourse or Guarantees Principal Repayment Only (no interest loan) First 2 Yrs Pre-paid (no additional payments due until 27th month) Borrower Retains up to 90% of Equity Most Sectors Considered in Free-World Smaller Loans Considered if Combined with Other Project Funding Low Entry Cost ($5K per Million) & 90% Refundable Application Approval to Funding 90 to 120 Days Pre-approval Process in 7 to 10 Business Days

11. Summary & Contact Funding Limits - $5M - $100M (more if multiple Bonds used)120-180 day process$5K per $1M Initial Underwriting Cost1st 2-yrs Principal pre-paid & Prin. only payments yrs 3-10Requirements: Executive Summary Business Plan10 Yr Pro forma Client Application Experienced Management10% - 20% EquityContact: Jim Nash (949) 485-5252 jrnash@iCapVentures.comDan Somers (949) 412-8884 dgsomers@iCapVentures.com