1. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke and Mike Ricke are registered representatives offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055502 Get the Collateral You Need To Close on Your Business Loan Fast with QuickClose ℠ The information contained in this presentation is being provided with the understanding that it is not intended to be interpreted as specific legal or tax advice. Individuals are encouraged to seek the guidance of their own personal legal or tax counsel.

2. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke and Mike Ricke are registered representatives offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055502 QuickClose ℠ Whatever you need to make your business succeed, a loan from your lender may help you do it. If your lender requires life insurance as collateral, you won’t want to wait weeks for the policy you need to receive your loan. QuickClose℠ is a program developed to expedite the application process and approval time of a life insurance policy used to secure a business loan. Working with you and your lender, we can help you select an insurance policy that will not only met your borrowing terms, but protect you and your business as well.

3. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke and Mike Ricke are registered representatives offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055502 How QuickClose℠ Works You or your business own the life insurance policy, choose your beneficiary, and make the policy premium payments While your loan is in effect, your lender retains a “Collateral Assignment” of the policy. This means if you die while the loan is in effect, your lender has the right to claim a portion of the policy proceeds equal to your outstanding loan balance If your life insurance policy proceeds are not paid out during the term of your loan, the Collateral Assignment from your lender ends when you’ve paid off your loan Your policy remains in effect as long as you continue to make the premium payments

4. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke and Mike Ricke are registered representatives offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055502 Many Product Choices and Coverage Amounts Choose from insurance products offered in your state Whole life, Variable Life, Universal Life, or Term can be used Coverage up to $10,000,000 We can help explain the benefits of each type and will help you select the appropriate policy and amount of coverage

5. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke and Mike Ricke are registered representatives offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055502 No Delay Your insurance application is processed quickly-usually within 7 to 10 business days. When life insurance is required as collateral for your business loan, all you or your lender need to do is call: Ricke & Associates 425 Bank Street New Albany, IN 47150 Phone: (812) 944-4461, 1-888-537-4253 Fax: (812) 945-1328 www.ricke.com QuickClose℠ is not a guarantee issue program. Your application will be fully underwritten and coverage may be declined. The average timeframe for QuickClose℠ cases continues to be 9 business days. Through the QuickClose℠ program, we may be able to accelerate the insurance underwriting process to help you issue a loan faster. Call us for more information.