Ramsey

Versatile Prepared for: sample April 28, 2015

Prepared by: Mark Sessanta T. 9083192274 O. 610-419-1634 E. Msessanta@starkfinancialgroup.com

Versatile Prepared for sample

Inflows PRESENT VALUE

ANNUAL PAYMENT 1 (+/-)

RATE OF RETURN

$0

ASSET TYPE

0.00%

START AGE

19

END AGE

ANNUAL PAYMENT 2 (+/-)

66

Large Cap

HISTORICAL RATES

STARTING YEAR

$0

1968

PAYMENT TIMING

Beginning of Year

Contribution

(+) Interest

(-) Term Expenses

(-) Other Expenses

(-) Taxes

2028

2036

2044

(-) Withdrawals

$1,600,000

$1,200,000

$800,000

$400,000

$0 2020

2052

2060

This analysis is only valid in conjunction with your review and acceptance of the conditions of the Disclaimer page. The illustrations herein are based on the assumptions provided by you and/or your representative, are hypothetical, do not represent any specific investment or product, and are not a guarantee of future results. Actual results will vary. Any fees or commissions may reduce the outcome significantly. Please consult your tax/legal advisor regarding strategy.

Prepared by Mark Sessanta on April 28, 2015 | CONFIDENTIAL

Page 1 of 6

Versatile Prepared for sample

Inflows > Expenses PRESENT VALUE

MISCELLANEOUS FEE

$0

ANNUAL TERM COSTS NET

$0

START AGE

19

END AGE

66

MANAGEMENT FEE

$0 DEATH BENEFIT

0.00% COM%

0.00%

(+) Interest

0.00% PAY TAXES FROM ACCOUNT

$0

INFLATION

Contribution

TAX RATE NET

TERM YEARS

0.00%

CREDIT FOR LOSSES

30

(-) Term Expenses

(-) Other Expenses

(-) Taxes

2028

2036

2044

(-) Withdrawals

$1,600,000

$1,200,000

$800,000

$400,000

$0 2020

2052

2060

This analysis is only valid in conjunction with your review and acceptance of the conditions of the Disclaimer page. The illustrations herein are based on the assumptions provided by you and/or your representative, are hypothetical, do not represent any specific investment or product, and are not a guarantee of future results. Actual results will vary. Any fees or commissions may reduce the outcome significantly. Please consult your tax/legal advisor regarding strategy.

Prepared by Mark Sessanta on April 28, 2015 | CONFIDENTIAL

Page 2 of 6

Versatile Prepared for sample

Inflows > Expenses > Withdrawals PRESENT VALUE

WITHDRAWAL METHOD

$0

ANNUAL WITHDRAWAL

Specify

START AGE

19

END AGE

66

$0

WITHDRAWAL TIMING

End of Year WITHDRAWAL START AGE

WITHDRAWAL END AGE

19

Contribution

(+) Interest

66

(-) Term Expenses

(-) Other Expenses

(-) Taxes

2028

2036

2044

(-) Withdrawals

$1,600,000

$1,200,000

$800,000

$400,000

$0 2020

2052

2060

This analysis is only valid in conjunction with your review and acceptance of the conditions of the Disclaimer page. The illustrations herein are based on the assumptions provided by you and/or your representative, are hypothetical, do not represent any specific investment or product, and are not a guarantee of future results. Actual results will vary. Any fees or commissions may reduce the outcome significantly. Please consult your tax/legal advisor regarding strategy.

Prepared by Mark Sessanta on April 28, 2015 | CONFIDENTIAL

Page 3 of 6

Versatile Prepared for sample

Inflows > Expenses > Withdrawals − Results 1 of 2

AVERAGE RETURN

11.49%

NET RETURN

10.58%

DIFFERENTIAL

(7.97%)

NET RESULT

$1,303,587

Year / Age

Balance B.O.Y.

Rate of Return

Total Annual Payments

Total Expenses

Annual Taxes

Cumul. Lost Opp Costs

Withdrawal

Balance E.O.Y. Future Dollars

1 / 19

$0

11.04%

$2,000

$0

$0

$0

$0

$2,221

2 / 20

$2,221

(8.40%)

$2,000

$0

$0

$0

$0

$3,866

3 / 21

$3,866

3.89%

$2,000

$0

$0

$0

$0

$6,094

4 / 22

$6,094

14.22%

$2,000

$0

$0

$0

$0

$9,245

5 / 23

$9,245

18.96%

$2,000

$0

$0

$0

$0

$13,378

6 / 24

$13,378

(14.67%)

$2,000

$0

$0

$0

$0

$13,122

7 / 25

$13,122

(26.31%)

$2,000

$0

$0

$0

$0

$11,143

8 / 26

$11,143

37.14%

$2,000

$0

$0

$0

$0

$18,025

9 / 27

$18,025

23.81%

$0

$0

$0

$0

$0

$22,316

10 / 28

$22,316

(7.19%)

$0

$0

$0

$0

$0

$20,712

11 / 29

$20,712

6.52%

$0

$0

$0

$0

$0

$22,062

12 / 30

$22,062

18.45%

$0

$0

$0

$0

$0

$26,133

13 / 31

$26,133

32.45%

$0

$0

$0

$0

$0

$34,613

14 / 32

$34,613

(4.88%)

$0

$0

$0

$0

$0

$32,923

15 / 33

$32,923

21.50%

$0

$0

$0

$0

$0

$40,002

16 / 34

$40,002

22.46%

$0

$0

$0

$0

$0

$48,986

17 / 35

$48,986

6.22%

$0

$0

$0

$0

$0

$52,033

18 / 36

$52,033

31.64%

$0

$0

$0

$0

$0

$68,497

19 / 37

$68,497

18.62%

$0

$0

$0

$0

$0

$81,251

20 / 38

$81,251

5.18%

$0

$0

$0

$0

$0

$85,460

21 / 39

$85,460

16.61%

$0

$0

$0

$0

$0

$99,655

22 / 40

$99,655

31.69%

$0

$0

$0

$0

$0

$131,235

23 / 41

$131,235

(3.10%)

$0

$0

$0

$0

$0

$127,167

24 / 42

$127,167

30.47%

$0

$0

$0

$0

$0

$165,915

25 / 43

$165,915

7.62%

$0

$0

$0

$0

$0

$178,557

26 / 44

$178,557

10.08%

$0

$0

$0

$0

$0

$196,556

27 / 45

$196,556

1.32%

$0

$0

$0

$0

$0

$199,150

28 / 46

$199,150

37.58%

$0

$0

$0

$0

$0

$273,991

29 / 47

$273,991

22.96%

$0

$0

$0

$0

$0

$336,900

This analysis is only valid in conjunction with your review and acceptance of the conditions of the Disclaimer page. The illustrations herein are based on the assumptions provided by you and/or your representative, are hypothetical, do not represent any specific investment or product, and are not a guarantee of future results. Actual results will vary. Any fees or commissions may reduce the outcome significantly. Please consult your tax/legal advisor regarding strategy.

Prepared by Mark Sessanta on April 28, 2015 | CONFIDENTIAL

Page 4 of 6

Versatile Prepared for sample

Inflows > Expenses > Withdrawals − Results 2 of 2

AVERAGE RETURN

11.49%

NET RETURN

10.58%

DIFFERENTIAL

(7.97%)

NET RESULT

$1,303,587

Year / Age

Balance B.O.Y.

Rate of Return

Total Annual Payments

Total Expenses

Annual Taxes

Cumul. Lost Opp Costs

Withdrawal

Balance E.O.Y. Future Dollars

30 / 48

$336,900

33.36%

$0

$0

$0

$0

$0

$449,289

31 / 49

$449,289

28.58%

$0

$0

$0

$0

$0

$577,696

32 / 50

$577,696

21.04%

$0

$0

$0

$0

$0

$699,243

33 / 51

$699,243

(9.10%)

$0

$0

$0

$0

$0

$635,612

34 / 52

$635,612

(11.89%)

$0

$0

$0

$0

$0

$560,038

35 / 53

$560,038

(22.10%)

$0

$0

$0

$0

$0

$436,269

36 / 54

$436,269

28.68%

$0

$0

$0

$0

$0

$561,392

37 / 55

$561,392

10.88%

$0

$0

$0

$0

$0

$622,471

38 / 56

$622,471

4.91%

$0

$0

$0

$0

$0

$653,034

39 / 57

$653,034

15.79%

$0

$0

$0

$0

$0

$756,148

40 / 58

$756,148

5.49%

$0

$0

$0

$0

$0

$797,661

41 / 59

$797,661

(37.00%)

$0

$0

$0

$0

$0

$502,526

42 / 60

$502,526

26.46%

$0

$0

$0

$0

$0

$635,495

43 / 61

$635,495

15.06%

$0

$0

$0

$0

$0

$731,200

44 / 62

$731,200

2.11%

$0

$0

$0

$0

$0

$746,629

45 / 63

$746,629

16.00%

$0

$0

$0

$0

$0

$866,089

46 / 64

$866,089

32.39%

$0

$0

$0

$0

$0

$1,146,616

47 / 65

$1,146,616

13.69%

$0

$0

$0

$0

$0

$1,303,587

Totals

$1,146,616

$16,000

$0

$0

$0

$0

$1,303,587

This analysis is only valid in conjunction with your review and acceptance of the conditions of the Disclaimer page. The illustrations herein are based on the assumptions provided by you and/or your representative, are hypothetical, do not represent any specific investment or product, and are not a guarantee of future results. Actual results will vary. Any fees or commissions may reduce the outcome significantly. Please consult your tax/legal advisor regarding strategy.

Prepared by Mark Sessanta on April 28, 2015 | CONFIDENTIAL

Page 5 of 6

Versatile Prepared for sample

Disclaimer Leap Systems, LLC, its affiliates, licensees, associates or any of the insurance or financial companies represented by the independent user of any of Leap's software systems or any derivation thereof, do not warrant or guarantee any results generated by the software. The purpose of the system is to provide a macroeconomic perspective and provide information you may find useful in making financial decisions. In doing so, you may be presented with concepts and scenarios based upon varying economic conditions. These scenarios, whether generated by Leap presentations, calculators, or depicted manually on printed materials, are intended for educational purposes only; accuracy is not guaranteed.

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This analysis is only valid in conjunction with your review and acceptance of the conditions of the Disclaimer page. The illustrations herein are based on the assumptions provided by you and/or your representative, are hypothetical, do not represent any specific investment or product, and are not a guarantee of future results. Actual results will vary. Any fees or commissions may reduce the outcome significantly. Please consult your tax/legal advisor regarding strategy.

Prepared by Mark Sessanta on April 28, 2015 | CONFIDENTIAL

Page 6 of 6