1. Cybar Financial Optimirror Financial Software

2. Executive Summary: Optimirror® is a unique, patented financial software tool with the objective of creating wealth by utilizing existing assets, liabilities and cash flow. The software operates on the principle that liabilities and assets each have cash flow needs. By considering both together, the software deduces the shrewdest way to apply dollars to reduce debt whilst growing assets. Optimirror® generates mathematically driven projections allowing clients to make rational financial decisions. Optimirror® effectively builds a business plan from a client’s portfolio of assets and liabilities. Cybar Financial Optimirror Financial Software

3. Assets and liabilities behave in a “mirror” fashion to each other - they behave similarly in opposite directions over a time period. Cash flow can be directed among assets and liabilities to produce the most efficient, or best outcome for asset growth and debt reduction. This approach can be mathematically predicted and is automated with Optimirror. Optimirror® also takes into consideration account budgeting, inflation, account asset and liability restructuring, taxation, future events such as retirement, education funding, or any type of future major purchase. Optimirror® Fundamental Concepts Cybar Financial Optimirror Financial Software

4. Results are illustrated in tabular, graphical, and printed report formats, for client’s analysis and planning. An action plan can be created to assist clients in directing payments to accounts to efficiently meet their objectives. Optimirror® currently operates at the client account level (as opposed to individual positions in a portfolio). It is used as a decision support tool to assist the investment and financial planning process. Risk adjusted rates are used to prevent an over-application of cash to higher risk/return accounts, such as accounts containing a heavy allocation towards equities. Optimirror® Fundamental Concepts Cybar Financial Optimirror Financial Software

5. Fixed Income analysis allows for direct entry of individual bonds and will manage the aggregate cash flow to the optimization at the account level if so desired. Account data can be entered manually or can be automatically extracted from financial institutions. Actuals can be tracked against plans and analysis can be performed to assist plan adjustment. Actual can be entered manually or can be automatically extracted from financial institutions. Optimirror® Fundamental Concepts Cybar Financial Optimirror Financial Software

6. Budget AssetsLiabilities Optimization Inflation rates of return, risk adjusted Cash Flow Interest rates Cash Flow Net Worth Taxation Income from Labor Expenses Future Events Optimirror® Fundamental Concepts Cash Flow Optimization can significantly improve net worth over time ! Refinancing

7. Financial Advisors Private Bankers Enterprise Financial Groups Target Markets Cybar Financial Optimirror Financial Software

8. Cybar Financials’ Optimirror ®: A New Way to Realize Your Practice Value: Create wealth by incorporating patented cash flow optimizer into your investment and financial advisory practice. Project, review and optimize cash flow efficient debt restructuring scenarios. Project, review and optimize tax efficient retirement, major purchase, and income replacement plans. Reduce time of ongoing financial planning and review. Create “What If” scenarios that include debt restructuring and tax advantaged investment planning, and income replacement planning. Optimirror® gives you the ability to bookmark where you left off in your recommendations and/or planning. Clients respond and implement because they can see the impact of what they are doing with each and every dollar. Optimirror® is faster to use and more telling to the end user than any other financial planning platform. Optimirror® can be used as a smart tool calculator or a comprehensive financial planning platform. Cybar Financial Optimirror Financial Software

9. Sample Screens With Sample Client Scenario Cybar Financial Optimirror Financial Software

10. Optimirror’s current screen offers a comprehensive financial plan projection that clients understand.

11. Surplus cash flow can be applied to optimization, spent or gifted.

12. Client goals can be evaluated for best net-of-tax distribution planning.

13. Optimirror’s Plan screen illustrates the impact of cash flow optimization on client goals.

14. Unlimited WHAT IF scenarios can include Debt Restructuring.

15. Single User - Optimirror Desktop Enterprise Level - In House: Service Oriented Architecture deployed on an Application Server - SaaS (Software as a Service) Implementations Cybar Financial Optimirror Financial Software

16. About Cybar: Cybar Financial was co-founded by a financial advisor and a financial software engineering professional in order to help advisors and their clients make sound financial planning decisions. Both are highly respected professionals in their fields, each with over 20 years experience. Their experiences drove them to develop software tools that can add significant value to the financial decision making process. www.cybarfinancial.com Cybar Financial Optimirror Financial Software