GULF STREAM ARM GULF STREAM ARM

Providing Quality Products and Services to the Community of Professional Advisors

IntroductionIntroduction A National Crisis Gulf Stream ARM – Who We Are Benefits Goals Clients Fees Guarantees Sample Plan

A National CrisisA National Crisis

Consumer Debt Doubles -- New Study Shows

1. Consumer debt has doubled in the last 10 years.

2. In Oct. 2003 consumer debt hit a record high of $1.98 trillion.

3. Non-mortgage consumer debt now averages more than $18,700 per household.

4. The nation’s savings rate dropped to just 2% of after tax income.

AP Jan 6, 2004

Gulf Stream ARM Gulf Stream ARM Who We Are And What We DoWho We Are And What We Do

Consumers have available to them professional services in the areas of tax management, risk management and asset management. The sole area of their financial lives where they are left to fend for themselves is – liability management.

Professional Advisors can now offer real liability management.

Without increasing payments or compromising credit ratings, all creditor obligations are eliminated – including mortgages – in 7 to 10 years. And there’s no net out-of-pocket expense to enroll.

Gulf Stream ARMGulf Stream ARM What It Is and What It Is NotWhat It Is and What It Is Not

The Program for Liability Management vs. Debt Consolidation

The Program for Liability Management vs. Credit Counseling

The Program for Liability Management vs. Debt Settlement Negotiation

BenefitsBenefits

Free of All Credit Liabilities in 7-10 yrs including Mortgages!

No increase in monthly outlay No out of pocket expenses Platinum Credit Private Banking Your dreams a reality – True Financial Freedom

“Would you benefit from this program?”

BenefitsBenefitsMore Money In Your Pocket For:

Education Provide More $ For Children or Grandchildren’s Education

Retirement

Keep The $ You Worked So Hard for. Estate Planning

Cut Creditors Out Of Your Inheritance

How We Accomplish Your GoalsHow We Accomplish Your Goals

Financial PlanningFinancial Planning

Develop a Personal Financial Plan unique to each Client:

Analyze current liability portfolio - terms, interest rates, and amortization schedules

Provide cash flow options to comply with the Client’s goals and circumstances

FinanceFinance

Exchange current debt obligation with those under better terms and conditions. There’s no negotiation with creditors. This is NOT credit counseling.

Example:– Exchange $3,000.00 monthly debt service to

$2,500.00

TechnologyTechnology

Proprietary Software Developed with two missions in mind:

–Most rapid elimination of debt possible– Largest dollar savings of current

interest obligations

Private BankingPrivate Banking

Gulf Stream ARM’s private banking and treasury management subsidiary, Trustmark Plan Administration, Inc. makes all payments according to the Cash Flow Option selected by the Client.

Customer Service is available to answer questions. Progress Reports are shipped monthly. Credit scores are improved.

Who are our clients?Who are our clients?

HomeownersSeeking Liability

ManagementMotivated to Plan

for Quality Years in Retirement

Take Charge of Your Finances with

Gulfstream

Who are our clients?Who are our clients?

1. Above median income, reasonable credit history

2. Homes with mortgages3. Cars financed by note(s)4. Credit cards and personal loans

YOUR FOUND MONEY provides a TRUE ALTERNATIVE

How our Program WorksHow our Program Works

SAMPLE FINANCIAL PLAN:

John & Mary Doe

Detailed AnalysisDetailed Analysis

INTEREST EXPENSE

$318,119.91

SCHEDULED TO BE IN DEBT

30.8 Years

Detailed AnalysisDetailed Analysis

Your Debt Portfolio AnalyzedYour Debt Portfolio Analyzed

$3,600.00 Monthly Outlay To Creditors

The Creation of an AcceleratorThe Creation of an AcceleratorThe Accelerator is Created by exchanging your current debtObligations with those with better terms. By instituting new Financing we pay off as many creditors as possible.

The Creation of an AcceleratorThe Creation of an AcceleratorNew total minimum payments are established

The Creation of an AcceleratorThe Creation of an Accelerator

The Accelerator is the savings created by the difference of the clients current monthly outlay to creditors and the newly calculatedMonthly outlay once the debt-exchange has been undertaken.

Example:

$3,600.00 Monthly Outlay based on current creditor obligation$2,874.00 Monthly Outlay after Proposed Financing

= $726 Savings per month

The Snow Ball EffectThe Snow Ball EffectMinimum Payments are now a thing of the past!

$75 + $726$75 + $726 MinimumMinimumMinimumMinimumMinimumMinimumMinimumMinimumMinimum

The Snow Ball EffectThe Snow Ball Effect

PAID IN FULLPAID IN FULL$105 + $75 +$726$105 + $75 +$726 MinimumMinimumMinimumMinimumMinimumMinimumMinimumMinimum

Effective Interest RatesEffective Interest Rates

When all Creditor obligations are paid in full, the total Monthly outlay is applied to the new financing.

$3,600 a month Debt Service attributed directly to the 30 yearNote retired this debt in 4.3 Years.

John & Mary Doe’s BenefitsJohn & Mary Doe’s Benefits

Debt free in 8.1 YearsMortgage Paid off in FullEffective Interest Rate of 2.16% Saved $230,392.45 in InterestAble to now invest in Assets:– Potential to achieve 2.8 Million by 2033

Imagine Your Financial Imagine Your Financial IndependenceIndependence

Three Reasons Why Financial Three Reasons Why Financial Services Professionals Should Services Professionals Should Include Gulf Stream ARM’s Include Gulf Stream ARM’s

Liability Management Solution In Liability Management Solution In Their Product MixTheir Product Mix

Reason #1Reason #1

Become More involved in helping your clients achieve true financial independence:

Many people don’t save enough for retirement because they owe too much

Many retirees still have to work because they haven’t saved enough and/or still owe substantial amounts to creditors

Reason #2Reason #2

Generate a New Source of Revenue Which Doesn’t Require New Assets:

Many investors have no more money to invest -

they are “tapped out”

Reducing a client’s monthly credit outlay can help find those new assets

Reason #3Reason #3

Gain New Customers Who May Have Not Been Candidates For Traditional Financial Planning Services

People with little money to invest can now benefit from a service you offer which ultimately will provide them with assets in pocket that previously they saw going to creditors