Who is J.G. Wentworth?

2. Who is J.G. Wentworth? • Market Pioneer - 14+ years experience with 50,000+ transactions and over $1 billion in cash paid to clients • Market Innovator - Established Secondary Market for Annuities and Structured Settlements • Market Leader – 60%+ Market Share in annuities and structured settlements; now entering Life Settlement Market • Financially Stalwart - 8 straight years of financings with top rating • AAA by Standard & Poor’s • Aaa by Moody’s

3. Program Overview J.G. Wentworth gives you the ability to offer a unique product: CASH NOW For future payments from the following assets: • Structured Settlements • Annuities Through this program, you can: • Generate new revenues – open new doors • Increase client retention • Expand your client list through improved prospecting • Create an influx of capital for clients

4. Consumer Benefits • Highest Market Value for Clients’ annuities • The full purchase price is paid directly to Client –There are no extra fees and no annuity is too big or too small • Quick and Simple – Client receives payout usually within 2 to 4 weeks • Customizable • Clients can sell Partial Payments or Partial Terms • Clients can sell a Period Certain term and still retain the Life portion or death benefit (when applicable) • Clients can sell Life Only payments

5. Benefits to Agents • New revenue opportunities • New Commissions • Influx of capital for clients will free up assets • New selling venue • Unique and new reason to call on existing book of business • Competitive advantages in recruiting and retaining clients • Great way to prospect for new clients • New offering will enhance current client relationships • A complement to every other product in your toolkit • Client does not write a check but receives one • Fast, Quick, Simple, Easy • Quotes, Application, Funding, Servicing • No lengthy appointment process; no need for licensing

6. Annuities and Structured Settlements

7. Annuities & Structured Settlements:Target Annuities Annuities ideal for the Program are: • Structured Settlement Annuities • Single Premium Immediate Annuities (SPIAs) • Formerly Deferred Annuities now in Payout phase • Two-Tiered Deferred Annuities w/ an Annuitization Requirement Annuities MUST have: • Non-Qualified tax status Annuities can have both: • Guaranteed Payment Options • Life-only Payment Options

8. Life change Inheritance Elimination of debt Home improvement or second home Change in investment or estate planning strategy Need for another life product Starting a business Regrettable initial decision Annuities & Structured Settlements: Client Profiles Situations in which clients have a need or desire to sell their annuity:

9. Annuities & Structured Settlements:Inherited Annuities Policy Type: Life Income with Guaranteed Installments – Inherited by Beneficiary Client: Earl Client - Male, 38 Original Reason for Annuity Purchase: Earl’s father bought annuity to provide retirement income for himself and his wife Annuity Issue Date: 8/20/95 Monthly Payment: $2,100 Payment Term: Remaining 10 years certain Client Need for Transaction: Inherited annuity from his father after both his mother and father had passed away. Earl want to invest in his business and put money towards his children’s college education Payments Purchased: $2,100 a month for 120 months (8/20/05 - 7/20/2015) Purchase Price: $176,913

10. Annuities & Structured Settlements:Lifetime Payments Policy Type: Structured Settlement Annuity Client: John Client - Male, 61 Annuity Issue Date: 11/15/97 Monthly Payment: $3,300 per month Payment Term: Life with 10 years certain Period Certain Sale Option: $10,100 Purchase Price in exchange for $1,100 a month for remaining 12 months Lifetime Sale Option (to age 70): $80,050 Purchase Price in exchange for $1,100 a month for 106 months. By selling a portion of the Life-contingent Payments, John Client raised an additional $70,000, and still retains $2,200 a month for 12 months and $3,300 a month from Age 70 for the rest of his life.

11. Annuities & Structured Settlements: Annuitization Requirement Policy Type: Flexible Premium Deferred with Annuitization Bonus Client: Wanda Client - Female, 72 Original Reason for Annuity Purchase: Pre-retirement age client was looking to accumulate high guaranteed returns in a tax deferred investment product. Annuity Issue Date: 3/14/99 Premium Amount: $85,812 Client Need for Transaction: Wanda had a debt of over $50,000 from past medical bills and funeral expenses from the death of her husband. She wanted to liquidate the policy, but was surprised by and didn’t understand the Annuitization Bonus. Surrender Value: $75,900 Accumulation Value: $107,571 (10 yr Annuitization required) Purchase Price: $76,010 for 180 monthly payments of $757 through 5/3/21. Then returning the full payment of $757 per month for the life of the client.

12. Sales Operations • Completing Transaction: • Purchase Agreement executed between Client and J.G. Wentworth • JGW submits changes to insurance company • Within 2 to 4 weeks, transaction is completed • Funding: • EFT to client immediately upon close of transaction • EFT commissions to agent weekly • Tax Implications: • Treated the same as if the client commuted/surrendered to the insurance company • Client will receive a 1099 from J.G. Wentworth showing the purchase price of the transaction