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Sales of the Life Settlements described herein will only
be made to qualified California residents.

This summary is meant for general informational and educational purposes only and does not
constitute, and is not intended as, any form of investment advice or a recommendation or
suggestion to buy or an offer to sell or a solicitation to buy any security. This Summary is
confidential and not available to the public. This Summary should be read in conjunction
with, and is qualified in its entirety by, the more detailed information contained in the
confidential Purchase Agreement, including but not limited to the detailed Risk
Disclosures. The description and terms contained in the Purchase Agreement control and
represent the exclusive statement and description of the terms relating to the Client. An
investment in Life Settlements involves risk.

Please review carefully all documentation, including especially the Risk Disclosures.