2.   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.   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 27 th 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.   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. iCAP  Secures Institutional Investor/Lender Partners  Arranges A Rated Collateral Guarantee Fund  Lends Net Proceeds to Project & Provides TPA  Retains % of Equity START iCAP receives & approves Project(s) BP, Pro forma and Application Establish Escrow Account – Fees to be expensed as incurred Est. from Escrow: $45,000 MTN Reservation $50,000 Introducing Broker iCAP secures MTN & Indenture Trust from Partner Institutional Investor/lender Project underwritten & attached to MTN Insurance-Linked Asset Collateral Identified & reinsurance Committed Example $100M Loan $80M Net Proceeds Reserve Account Established for Interest, Premium Payments & Maint. Fees First 2-Yrs Principal is pre-paid. Project pays 10% of Gross Loan Amount yrs 3 – 10 to equal total Principal repayment only MTN Funds released for acquisition of Insurance-Linked Collateral and A+ Rated reinsurance binder $142,500 Collateral Retainer $45,000 Legal $37,500 Indentured Trust $30,000 Note Assignment Fee $150,000 Issuing Agent & Consulting Fees Timeline Starts 2 to 6 weeks per # of projects required Est. Timeline 8 to 12 weeks Est. Timeline 14 to 18 weeks Excess funds released to Project per Disbursement Schedule Est. Timeline 18 to 22 weeks

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

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

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

10.   100% Loans Possible   Borrower:   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 27 th month)   Low Entry Cost ($5K per Million) & 90% Refundable   Application Approval to Funding 90 to 120 Days   Most Sectors Considered in Free-World   Smaller Loans Considered if Combined with Other Project Funding   Borrower Retains up to 90% of Equity   Pre-approval Process in 7 to 10 Business Days

11.             Funding Limits - $5M - $100M (more if multiple Bonds used)  120-180 day process  $5K per $1M Initial Underwriting Cost  1 st 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% Equity Contact: Jim Nash (949) 485-5252 jrnash@iCapVentures.com Dan Somers (949) 412-8884 dgsomers@iCapVentures.com