1. Agent Sales Primer

2. ** For Agent Use Only ** © 2005 J.G. Wentworth2 Who is J.G. Wentworth?  14+ years experience with 42,000+ transactions worth over $1 billion  Established Secondary Market for Annuities  Only company dedicated to the purchase of Annuity contracts from individuals  6 straight years of financings with top rating  AAA by Standard & Poor’s  Aaa by Moody’s

3. ** For Agent Use Only ** © 2005 J.G. Wentworth3 Benefits to Agents & Brokers  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  Gain competitive advantages in recruiting and retaining clients  Great way to prospect for new clients  New offering will enhance current client relationships  Provide a product that is complimentary to every other product in agent’s 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

4. ** For Agent Use Only ** © 2005 J.G. Wentworth4 Target Annuities Annuities ideal for the Program are:  Single Premium Immediate Annuities (SPIA) with Fixed Payments  We only purchase guaranteed payments and return the lifetime rider to the client  Two-Tiered Deferred Annuities w/ Annuitization Bonus  We can beat surrender options  Deferred Annuities in Payout phase with Fixed Payments  We can purchase a portion of the term (10 years of 20) or a portion of the payment ($1000 of $1500 monthly) or the entire annuity contract Annuities MUST have:  Non-Qualified tax status  Guaranteed Payment Option

5. ** For Agent Use Only ** © 2005 J.G. Wentworth5 Client Profiles  Situations in which clients have a need or desire to sell their annuity:  Life change  Inheritance  Elimination of debt  Need for another life product  Change in investment or estate planning strategy  Home improvement or second home  Starting a business  Regrettable initial decision

6. ** For Agent Use Only ** © 2005 J.G. Wentworth6 Benefits to Clients  Customized Options  Sell Partial Terms or Partial Payments  Sell Period Certain Term and Retain Lifetime Payments  Sell Annuity Payments and Retain Death Benefit  Quick and Simple  Quotes within hours  Quotes have no hidden fees or expenses  Funding to client can happen as quick as 2 weeks  Every product needs a secondary market  An annuity is the client’s asset and although liquidity won’t be right for everyone, having the option certainly is.

7. ** For Agent Use Only ** © 2005 J.G. Wentworth7 Agent Compensation  Agent Base Commission: 1.5% of Purchase Price to Client  Paid at the time of Funding to Client  2005-06 Incentive Program 1 Marketing Credit Program 1