Pacific Specialty Investment Group

FIRM INTRODUCTION

4100 Campus Dr. Suite 100

Newport Beach, CA 92660

(949) 379-7330

Our Process

We start and end with your dreams. Once we know what you want out of life — for yourself and your family — weevaluate where you are relative to your goals. We can then recommend strategies to get you where you wantto be. But we don’t stop there. We help you implement the recommendations. And, we watch over your planso that you can live your life. We continually monitor your financial situation to ensure that you remain on trackto achieve your goals.Your goals remain the centerpiece of our recommendations and strategies.

MONITOR PLANoptimize to achieve goals

- performance thresholds- automated alarms- periodic evaluation

PROJECT YOUR GOALSwhere you want to be

- education- retirement- future plans APPRAISE ASSETS

what you have

- investments- accounts- real estate

IMPLEMENT STRATEGIESactivate the plan

- asset allocation- tax strategies- estate planningtechniques PROVIDE OPTIONS

how to get there

- detailed recommendations- comprehensive written report- private financial web page

PERFORM GAP A ALYSISwhat you need

- managing cash flow- insurance- asset allocation- savings plans- tax strategies- annuities options- risk tolerance

Our process ensures that your financialworld is organized, easy to understandand always accessible to you.

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Advisors

‘Andrew RobertsMain Street FinancialOfflce~ (610) 345-4332andrewr@mainstreetfinaricial.com

Express LinksBalance SheaAssetsCash FlowInvestment Asset AllocationLife Insurance SummaryInsurance Summary

SetupMy Personal Data

Import Your Accounts

Change PasswordCustomize this Page

Investments

Plan Assets

401(k)-Barclays8/2/2008 12:OOA

529 Plan-Montana8/2/2008 12,00A

529 Plan-Utah Plan2/2/2008 12:OOA

Chec ing Account1/1/0001 12:OOA

B’Trade Stock Acco8/2/2008 12:OOA

Fidelity Stock Acco8/2/2008 12,00A

Deeper InsightsTraditional wealth management firms typically report static information— showing a snapshot of a moment in time. We update account valuesnightly so that our analysis reflects current market conditions. Inaddition, many net worth calculations simply subtract Liabilitiesfrom Assets. We go a step further. We include a Protectionand Cash Flow analysis in the same view. This facilitatesmore meaningful insights and allows us to “stress test” ourrecommendations and strategies.

Monitoring Your ProgressOur global, up-to-date view of your financial world canhelp improve overall performance, minimize the impactof debt and taxes and enhance your lifestyle. With yourgoals as a centerpiece of the process, the ample reportswe provide will have true meaning and life. We willmonitor your progress towards your goals, giving you thekind of security you deserve.

Without Lifting a FingerWe anticipate, warn and remind you of the financial factors thatmay impact your ability to achieve your goals.This relieves you of atremendous organizational burden allowing you to focus your energieson what matters most in your life.

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D Ewug But, (004%) Intus.t4-ai (2.40%inn Gd End (13.80%l 0 PS (0.00%)Clot (1.17%) Q Invest Rest Estat. (293%

Financial Snapshot

Assets2Taxable InvestmentsRetirement InvestmentsCash & EquvalentsReal EstateLite InsuranceAnnu tiesPersona PropertyTotal

UabllitlesMortg.gesTotal

Total Net Value

Assets Outside Estate

Net Worth History

$2,465,565$1,327,350

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$5,333,215

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$4,998,215

$100,246

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A comprehensive view of yourfinances helps you identify gaps andprepare for your future.

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Invaluable Services

We help make your life easier, both on a daily basis and particularly at a time of crisis. All of your financialinformation is secure and protected. Unlike online banking, online shopping or bill pay where money can bemoved, our system is non-transactionable.

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The Vault is an online secure storage facility that storesand protects valuable personal documents such aswills, trusts, insurance documents and passports in anelectronic format. Clients have found the online Vaultto be tremendously useful in times of crisis or naturaldisaster when hard copies of valuable documents ormemorabilia are no longer available.

“I lost my wallet while on a ski trip at Christmas.I was able to access the Vault, and with a copyof my license and a police report, fly home thenext day. Losing my wallet could have minedmy trip; instead, it showed me the value of theVault and having all my personal and financialdetails in one place.”

- Susan T

“My life changed in an instant when I was seriouslyinjured in a motorcycle accident. Logging onto thesystem I could get the medical and legal documentsI needed from my Vault, right from the hospitaL The Vaulthelped me get immediate access to information that assisted mydoctors and my family.”

-John H.

“While I was on sabbatical in Ireland, Australia and New Zealand I accessed myVault and collaborated with my advisor on my financial plan. Without the Vault,going overseas would have meant emaiing confidential, large documents. Withthe Vault, everything was easy.”

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Vault Checklist

Type of Document

~ Legal Documents

LI Wills

LI Deeds

LI Revocable & IrrevocableTrusts

LI Power of Attorney

LI Codicils (Supplements made to aWill)

LI Living Wills/Health Directives

LI Prenuptial Agreements

LI Buy/Sell Agreements

Soc. Sec. and!or Veteran’s Administration Info

D Insurance Policies (Life, LTD, Disability,Medical, Car, Property)

LI Medical Records

LI Bank & Investment Statements

LI Pensions, IRAs, Annuities etc...

LI Investment Accounts

LI Stock Options/Certificates

LI Credit Cards

LI Mortgages

LI Loans

[] Tax Returns

Information on current and former Employers

Titles to Homes, Autos, Boats, etc...

~ Employment Benefits

Birth Certificates

Drivers Licenses

LI Adoption Papers

~ Marriage License

Location of Safe Deposit Boxes & Keys

W-2 Forms

~ Pay Stubs

Contracts

Warranties

Pictures

~ Passports

~ Frequent Flyer? Awards Membership Information

Audio Files,Video Clips

Miscellaneous Memberships

The first step in the financial planning process involves evaluating your current financial situation and becoming financiallyorganized. Organizing your important documents and storing them in a secure location makes it easier for you and/or yourfamily members to respond in the event of an emergency or premature death.

As part of our services, we can scan and organize these documents into your own personalized Vault, making them easilyaccessible to you anywhere there is internet access.

9

[This Page Intentionally Left Blank]

Step Towards Your Dreams

Please complete this Client Questionnaire sowe can begin to organize, analyze and helpyou prepare for your financial journey.

Once you have completed the Client Question

naire, please detach and mail it back to us prior to

our next appointment. Please mail or fax it to:

Client Name: Date of Birth: I I I US Citizen: Y N

Spouse Name: Date of Birth: I / US Citizen: V N

Address:

City: State: Zip:

Home Phone: Fax:

Client Cell Phone: Spouse Cell Phone:

Client Email:

Family DataChildren Date of Birth I Marital Status

I I SM Div Sep

I I S M Div Sep

“ ~‘ M Div Sep

PropertyPre-Retire Post-Retire

Real Estate/ Personal Current Value Tax Basis OwnerGross Growth Gross Growth

Investments

Type/Institution Name Current Value Tax BasisPre-RetireGross Growth

Post-RetireGross Growth

Owner

Next Appointment F500 Advisory Services

19762 MacArthur Blvd.Second Floor (Attn:GlobalView)

Irvine, CA 92612949-502-6877

globalview@f500advisory.com

Client Data

RetirementType! Current Pro-Retire Post-Retire Employee Employer

Owner Beneficiary Contnbution ContnbutionInstitution Name Value Gross Growth Gross Growth

Business AssetsPro-Retire I Post-Retire Gross IBusiness Name Base Value Tax Basis Gross Growth I Growth Owner ( BusinessType

InsuranceLife 1 Life 2 Long Term Care Disability

Policy Number Policy Number

Institution Name Institution Name

Purchase Date Purchase Date

PolicyType Insured

Person Insured Benefit Amount

Owner Owner

Beneficiary Annual Premium

Death Benefit Premium Term

Cash Value Premium Payer

Cash Value Growth Rate Elimination Period

Annual Premium Benefit Period

Premium Term COLA

Premium Payer

Reinvested At

LiabilityMortgage/Loans Institution Name Current Balance As of Date Interest Rate Loan Term

Salary/Bonus and Social SecurityAnnual Amount Indexed At Owner Starts Ends

Salary/Bonus

Salary/Bonus

Social Security

8

Copyright © FinaMetrica Pty Limited. U.S. PATENT No. 6859788 November 2012 Page 3

Risk Tolerance Questionnaire Please answer all the questions by circling one of the options. Choose the option that best indicates how you feel about each question. If none of the options is exactly right for you, choose the option that is closest.

1. Compared to others, how do you rate your willingness to take financial risks? 1 Extremely low risk taker. 2 Very low risk taker. 3 Low risk taker. 4 Average risk taker. 5 High risk taker. 6 Very high risk taker. 7 Extremely high risk taker.

2. How easily do you adapt when things go wrong financially? 1 Very uneasily. 2 Somewhat uneasily. 3 Somewhat easily. 4 Very easily.

3. When you think of the word "risk" in a financial context, which of the following words comes to mind first?

1 Danger. 2 Uncertainty. 3 Opportunity. 4 Thrill.

4. Have you ever invested a large sum in a risky investment mainly for the "thrill" of seeing whether it went up or down in value?

1 No. 2 Yes, very rarely. 3 Yes, somewhat rarely. 4 Yes, somewhat frequently. 5 Yes, very frequently.

5. If you had to choose between more job security with a small pay increase and less job security with a big pay increase, which would you pick?

1 Definitely more job security with a small pay increase. 2 Probably more job security with a small pay increase. 3 Not sure. 4 Probably less job security with a big pay increase. 5 Definitely less job security with a big pay increase.

6. When faced with a major financial decision, are you more concerned about the possible losses or the possible gains?

1 Always the possible losses. 2 Usually the possible losses. 3 Usually the possible gains. 4 Always the possible gains.

7. How do you usually feel about your major financial decisions after you make them? 1 Very pessimistic. 2 Somewhat pessimistic. 3 Somewhat optimistic. 4 Very optimistic.

Copyright © FinaMetrica Pty Limited. U.S. PATENT No. 6859788 November 2012 Page 4

9. What degree of risk have you taken with your financial decisions in the past? 1 Very small. 2 Small. 3 Medium. 4 Large. 5 Very large.

10. What degree of risk are you currently prepared to take with your financial decisions? 1 Very small. 2 Small. 3 Medium. 4 Large. 5 Very large.

11. Have you ever borrowed money to make an investment (other than for your home)? 1 No. 2 Yes.

12. How much confidence do you have in your ability to make good financial decisions? 1 None. 2 A little. 3 A reasonable amount. 4 A great deal. 5 Complete.

13. Suppose that 5 years ago you bought stock in a highly regarded company. That same year the company experienced a severe decline in sales due to poor management. The price of the stock dropped drastically and you sold at a substantial loss.

The company has been restructured under new management and most experts now expect it to produce better than average returns. Given your bad past experience with this company, would you buy stock now?

1 Definitely not. 2 Probably not. 3 Not sure. 4 Probably. 5 Definitely.

14. Investments can go up and down in value and experts often say you should be prepared to weather a downturn. By how much could the total value of all your investments go down before you would begin to feel uncomfortable?

1 Any fall in value would make me feel uncomfortable. 2 10%. 3 20%. 4 33%. 5 50%. 6 More than 50%.

8. Imagine you were in a job where you could choose to be paid salary, commission or a mix of both. Which would you pick?

1 All salary. 2 Mainly salary. 3 Equal mix of salary and commission. 4 Mainly commission. 5 All commission.

Copyright © FinaMetrica Pty Limited. U.S. PATENT No. 6859788 November 2012 Page 5

15. Assume that a long-lost relative dies and leaves you a house which is in poor condition but is

located in a suburb that's becoming popular.

As is, the house would probably sell for $300,000, but if you were to spend about $100,000 on renovations, the selling price would be around $600,000.

However, there is some talk of constructing a major highway next to the house, and this would lower its value considerably.

Which of the following options would you take? 1 Sell it as is. 2 Keep it as is, but rent it out. 3 Take out a $100,000 mortgage and do the renovations.

16. Most investment portfolios have a mix of investments - some of the investments may have high expected returns but with high risk, some may have medium expected returns and medium risk, and some may be low-risk/low-return. (For example, stocks and real estate would be high-risk/high-return whereas cash and CDs (certificates of deposit) would be low-risk/low-return.)

Which mix of investments do you find most appealing? Would you prefer all low-risk/low-return, all high-risk/high-return, or somewhere in between?

Please select one of the seven portfolios listed below.

17. You are considering placing one-quarter of your investment funds into a single investment. This investment is expected to earn about twice the CD (certificate of deposit) rate. However, unlike a CD, this investment is not protected against loss of the money invested.

How low would the chance of a loss have to be for you to make the investment?

1 Zero, i.e. no chance of loss. 2 Very low chance of loss. 3 Moderately low chance of loss. 4 50% chance of loss.

18. With some types of investment, such as cash and CDs (certificates of deposit), the value of the investment is fixed. However inflation will cause the purchasing power of this value to decrease.

With other types of investment, such as stocks and real estate, the value is not fixed. It will vary. In the short term it may even fall below the purchase price. However, over the long term, the value of stocks and real estate should certainly increase by more than the rate of inflation.

With this in mind, which is more important to you - that the value of your investments does not fall or that it retains its purchasing power?

1 Much more important that the value does not fall. 2 Somewhat more important that the value does not fall. 3 Somewhat more important that the value retains its purchasing power. 4 Much more important that the value retains its purchasing power.

Portfolio High Risk/Return Medium Risk/Return Low Risk/Return 1 0% 0% 100% 2 0% 30% 70% 3 10% 40% 50% 4 30% 40% 30% 5 50% 40% 10% 6 70% 30% 0% 7 100% 0% 0%

Mix of Investment in Portfolio

Copyright © FinaMetrica Pty Limited. U.S. PATENT No. 6859788 November 2012 Page 6

19. In recent years, how have your personal investments changed?

1 Always toward lower risk. 2 Mostly toward lower risk. 3 No changes or changes with no clear direction. 4 Mostly toward higher risk. 5 Always toward higher risk.

20. When making an investment, return and risk usually go hand-in-hand. Investments which produce above-average returns are usually of above-average risk.

With this in mind, how much of the funds you have available to invest would you be willing to place in investments where both returns and risks are expected to be above average?

1 None. 2 10%. 3 20%. 4 30%. 5 40%. 6 50%. 7 60%. 8 70%. 9 80%.

10 90%. 11 100%.

21. Think of the average rate of return you would expect to earn on an investment portfolio over the next ten years. How does this compare with what you think you would earn if you invested the money in one-year CDs (certificates of deposit)?

1 About the same rate as from CDs. 2 About one and a half times the rate from CDs. 3 About twice the rate from CDs. 4 About two and a half times the rate from CDs. 5 About three times the rate from CDs. 6 More than three times the rate from CDs.

22. People often arrange their financial affairs to qualify for a government benefit or to obtain a tax advantage. However a change in legislation can leave them worse off than if they'd done nothing.

With this in mind, would you take a risk in arranging your affairs to qualify for a government benefit or obtain a tax advantage?

1 I would not take a risk if there was any chance I could finish up worse off. 2 I would take a risk if there was only a small chance I could finish up worse off. 3 I would take a risk as long as there was more than a 50% chance that I would finish up better off.

23. Imagine that you are borrowing a large sum of money at some time in the future. It's not clear which way interest rates are going to move - they might go up, they might go down, no one seems to know.

You could take a variable interest rate that will rise and fall as the market rate changes. Or you could take a fixed interest rate which is 1% more than the current variable rate but which won’t change as the market rate changes. Or you could take a mix of both.

How would you prefer your loan to be made up? 1 100% variable. 2 75% variable, 25% fixed. 3 50% variable, 50% fixed. 4 25% variable, 75% fixed. 5 100% fixed.

Copyright © FinaMetrica Pty Limited. U.S. PATENT No. 6859788 November 2012 Page 7

24. Insurance can cover a wide variety of life’s major risks – theft, fire, accident, illness, death, etc. How much coverage do you have?

1 Very little. 2 Some. 3 Considerable. 4 Complete.

25. This questionnaire is scored on a scale of 0 to 100. When the scores are graphed they follow the familiar bell-curve of the Normal distribution shown below. The average score is 50. Two-thirds of all scores are within 10 points of the average. Only 1 in 1000 is less than 20 or more than 80.

What do you think your score will be?_____

Score

Freq

uenc

y

Risk seeking Risk avoiding 0 10 20 30 40 50 60 70 80 90 100

Copyright © FinaMetrica Pty Limited. U.S. PATENT No. 6859788 November 2012 Page 8

Demographic Questionnaire Finally, a few questions about yourself to help us understand the pattern of Risk Tolerance in our community. Please note that this section is optional and is not part of the scoring process.

You may wish to review your answers before returning the questionnaire to your advisers. In order to have your Risk Tolerance report prepared, you must answer all 25 questions in the Risk Questionnaire. Now is the best time to check for omissions and correct any mistakes.

Once your answers are recorded in the FinaMetrica system they cannot be changed. This is done to ensure the integrity of the data. If, later, you wish to change an answer, this can only be done by entering a completely new set of answers which includes the change.

1. I am 1 Male. 2 Female.

2. My year of birth is 19______

3. The highest education level I attained, or the closest equivalent, is 1 Did not complete high school. 2 Completed high school. 3 Trade or diploma qualification. 4 University degree or higher qualification.

4. Having in mind income from all sources - work, investment, family and government - into which income bracket does your personal before-tax income fall?

1 Under $20,000. 2 $20,000 - $49,999. 3 $50,000 - $99,999. 4 $100,000 - $199,999. 5 $200,000 - $499,999. 6 $500,000 or over.

5. Are you married (or in a de facto relationship)? 1 Yes. 2 No.

6. If “Yes”, into which income bracket does your combined before-tax income fall?

1 Under $20,000. 2 $20,000 - $49,999. 3 $50,000 - $99,999. 4 $100,000 - $199,999. 5 $200,000 - $499,999. 6 $500,000 or over.

7. How many people in your family, beside yourself, do you fully or partially support financially?

8. Think of your net worth as being what you own, including your family home and other personal-use assets, minus what you owe. Into which bracket does the value of your net worth fall? (If you are married or have a de facto partner, include only your share of jointly owned assets less your share of what you owe jointly.)

1 Under $10,000. 2 $10,000 - $24,999. 3 $25,000 - $49,999. 4 $50,000 - $99,999. 5 $100,000 - $199,999.

6 $200,000 - $499,999. 7 $500,000 - $999,999. 8 $1,000,000 - $1,999,999. 9 $2,000,000 - $4,999,999.

10 $5,000,000 or over.