1. E-Seminar and Conference Call August 13, 2008 “THE KKO SHOW” “FINANCIAL SURVIVAL SKILLS IN TODAY’S ECONOMY" Hosted by Mark J. Kohler, CPA, Attorney at Law and Mathew Sorensen, Attorney at Law www.kkolawyers.com Telephone 435.586.9366 / Facsimile 435.586.9491 © Kyler Kohler & Ostermiller, LLP 2008

2. Disclaimer- Although the information contained in this Presentation may be extremely useful and helpful, please understand that the presentation of this information does not constitute an attorney-client relationship. Moreover, the information contained in this Presentation is for general guidance only. It is strongly recommended that each individual or entity obtain their own legal advice, particularly applied to their own set of circumstances, facts and specific situation. Kyler Kohler & Ostermiller, LLP is not responsible or liable for any advice that is taken and applied in a situation without direct consultation and representation specific to that individual’s or company’s needs. Instructor Notes © Kyler Kohler & Ostermiller, LLP 2008

3. Look At the Big Picture Re-assess your goals, plans, short-term and long-term

4. © Kyler Kohler & Ostermiller, LLP 2008 1. Look At the Big Picture Re-assess your goals, plans, short-term and long-term What’s that “one thing”? What do I want to do most? What do I need to feel?

5. © Kyler Kohler & Ostermiller, LLP 2008 2. Make the Tough Decisions Get rid of property, businesses or assets that are drains on your resources. It’s tough, but a must!!

6. © Kyler Kohler & Ostermiller, LLP 2008 3. Unload and Analyze De Clutter the house, unload things that don’t love you, create a personal financial statement. Make these changes habits and a new lifestyle. This is not a temporary fix. Use this opportunity to make the rest of your life better.

7. © Kyler Kohler & Ostermiller, LLP 2008 4. Start a small business or venture If you don’t already have a small business, create a venture to fall back on; an extra revenue source as security. Get off the couch and turn off the t.v. Watch out for high capital start-ups. Go for low inventory low capital home based business.

8. © Kyler Kohler & Ostermiller, LLP 2008 5. Back to the Basics with your Personal Budget Know where your money is going. Track your expenses. Impose spending limits. Keep good records and don’t get discouraged.

9. © Kyler Kohler & Ostermiller, LLP 2008 6. Get Additional Education Smart, affordable and targeted education. Look at the cost- benefit of the education. Knowledge is Power.

10. © Kyler Kohler & Ostermiller, LLP 2008 7. Consolidate and Eliminate Debt and Improve Your Credit Consolidate debt. Negotiate down debt. Pay down credit cards in a strategic manner. Improve your credit while you can and don’t need it.

11. © Kyler Kohler & Ostermiller, LLP 2008 8. Re-evaluate your Business Model If you own a small business already, its time to re-evaluate. If the market changes, so should your business. Add value to your position or your product.

12. © Kyler Kohler & Ostermiller, LLP 2008 9. Re-Evaluate your Portfolio Where are your assets invested? Are they in the best structure? How are all of your assets performing? Should you consider self-direction and alternative investments. It’s a “buyer’s market” right now. No more hands off approach.

13. © Kyler Kohler & Ostermiller, LLP 2008 10. Pay it Forward The more you give back, the better your perspective becomes. It helps you make better decisions. ‘Carma’ truly exists.

14. For more information, please contact us at: KYLER KOHLER & OSTERMILLER, LLP Tel: 435.586.9366 Fax: 435.586.9491 www.kkolawyers.com © Kyler Kohler & Ostermiller, LLP 2008