EverYield Investments is a Registered Investment Advisor. Registered with the State and the Securities and Exchange Commission (SEC)

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1 Introduction to

2 EverYield Investments is a Registered Investment Advisor Independent 2 Not paid to promote any products Not paid any commissions on any transactions No conflict of interest Can recommend the best investments to meet each client s individual needs Fees paid by clients are our only income source Registered with the State and the Securities and Exchange Commission (SEC) Legally bound to work in your best interest Written code of ethics Maintain a Form ADV on file with the State, available to the public which describes the firm, its fee structure, and any regulatory complaints or issues (We ve had zero complaints or issues)

3 Your Money is Secure in Your Individual Account We use TD Ameritrade as a thirdparty custodian One of the largest and best known brokerages in the U.S., in business for 35 years with 6 million client accounts and $500 billion in assets Your money and investments are secure in your account in your name, accessible only by you 24/7 online access, password secured Monthly statements sent to you independently directly from TD Ameritrade TD Ameritrade Asset tection Guarantee and Insurance Coverages Guaranteed to reimburse you any cash or shares of securities from your account that are lost as a result of any unauthorized activity Cash in your account is FDIC insured for up to $250,000 per depositor Securities in your account are protected by the SIPC up to $500,000 TD Ameritrade also provides $149.5 million of protection for each client in supplemental insurance coverage provided by London insurers 3

4 EverYield Investments 2014 Performance Our strategies are designed to always put and keep probabilities in your favor These high probability strategies can grow your capital regardless of market direction 4 *Past performance is not necessarily an indication of future performance. Investments can lose money and result in loss of principal. Returns are not guaranteed. Performance results have not yet been audited by a thirdparty accounting firm. Sources: EverYield TD Ameritrade Statements,

5 Meet the Advisor Representatives Scott Anderson 5 B.S. Chemical Engineering, Brigham Young University M.B.A., Pepperdine University Business Leadership Experience: Exxon, Huntsman 25 Years Investment Experience Founder of EverYield Investments Registered Investment Advisor Representative Mike Olenick B.A. Philosophy, University of Scranton & Oxford University M.B.A., DeSales University 5 years Investment Experience Registered Investment Advisor Representative

6 Which Investments Are Best For You in Today s Market? Major Asset Categories 6 A. Banks / CDs B. Bonds / Bond Funds C. Real Estate / REITs D. Stocks / Stock Funds E. Commodities / Commodity Funds F. Hedge Funds / Private Equity G. Balanced Asset Allocation Portfolio Compare to Example EverYield Investment Strategies EverYield Bond Strategy EverYield Equity Option Income Strategy

7 Investment Summary: Bank / CDs 7 Security of assets FDIC Insurance Very low rates of interest paid 1yr CD ~ 0.14% apr 5yr CD ~ 0.84% APR Taxable at ordinary income rates Money is tied up for the duration of the CD (or face a withdrawal penalty)

8 Investment Summary: Bonds / Bond Funds 8 Investment secured by assets of issuing entity: governments or corporations Regular coupon payments with return of original principal (if owning bonds directly) Regular coupon payments with original principal at risk (if owning bond funds) Relatively low interest rates paid 1yr U.S. Treasury ~ 0.17% APR 30yr U.S. Treasury ~ 2.45% APR 1yr Corporate bond ~ 0.9% 30yr Corporate bond ~ 4.5% Bond funds subject to loss of principal if/ when interests rates rise Taxed at the ordinary income tax rate Money is tied up for the duration of the bond (or lose money on premature sale of bond)

9 Investment Summary: Real Estate / REITs 9 Holding real estate directly can return ~ 8% APR REITs (real estate investment trusts) have returned ~ 15% over the past 3 years, ~ 8% over the past 10 years Housing prices have generally recovered from the 2009 financial crisis, probably limiting nearterm appreciation Real estate appreciation could be further limited by future interest rate increases REITs make regular monthly distributions to shareholders Monthly distributions are taxed at the ordinary income tax rate REITs are very liquid, money is not tied up for any specific duration

10 Investment Summary: Stocks / Stock Funds Stocks and stock funds have returned ~ 13% last year, ~ 20% on the past three years, and ~ 7% over the past 10 years Can deliver regular dividends with equity appreciation potential Stock gains taxed at long term capital gains tax rate if held for over a year 10 Stocks / stock funds generally follow the overall business cycle, and are currently priced near alltime highs Can be subject to rapid and violent corrections or crashes Dividends and gains on stocks held under one year are taxed at ordinary income tax rates Where Will the Stock Market Go From Here?

11 Investment Summary: Commodities / Commodity Funds 11 Commodities can see rapid appreciation of a specific category in a shortage situation Funds, such as investment trusts and Master Limited Partnerships can deliver very high rates of return, e.g. 8% 12% Subject to rapid price drops in an oversupplied market Can lead to sudden and significant loss of principal despite relatively high dividend payments Oil Price

12 Investment Summary: Hedge Funds / Private Equity 12 Picking the right hedge fund or private equity investment can be very rewarding returns of ~ 20% are possible Must be a Qualified Investor to participate. (Greater than $1.5million in net worth, not including residence.) Money is locked up for an extended period, typically 510 years Composite hedge fund return in 2014 was fairly average, ~ 5% Money is pooled with other investors, hard to validate the value of the investment prior to the payout

13 Investment Summary: Balanced Asset Allocation Portfolio 13 A good idea to reduce risk through diversification of assets Must pick the right" underlying assets to deliver growth with the reduced risk Best if some of the asset allocation is countercyclical Simply running assets through a computer program algorithm does not guarantee elimination of risk or assurance of portfolio growth

14 EverYield Investments Solutions (an example) Bond Strategy 14 Hold individual bonds rather than bond funds to eliminate the risk of loss of principal due to rising interest rates. We help you build a bond ladder tailored to your specific investment goals. Investment secured by assets of the issuing government or corporation Regular coupon payments with return of original principal at maturity All bonds are held in your own account by our third party custodian, Relatively low interest rates paid fits taxed at ordinary income tax rates Money is tied up for the duration of the bond (can lose money by selling the bond prior to maturity) TD Ameritrade

15 EverYield Investments Solutions (an example) Equity Option Income Strategy 15 Sell far outofthemoney" equity options to generate weekly premium income. tect the option position risk with a directly correlated countercyclical option hedge. (All transactions managed by EverYield Investments on your behalf.) Designed to make money regardless of whether the stock market goes up, down, or sideways Delivered 18% total return (after fees) in 2014 fitable every quarter for the last five quarters since the strategy was made available to the public Investments are protected against a severe market correction or crash All investments held in your own account by our third party custodian, TD Ameritrade Investments are liquid, can be sold and cash withdrawn with one week s notice 60% of the profits are taxed at the 15% long term capital gains rate, 40% at ordinary income tax rate (continued) You are invested in the same positions in which we invest our own personal money our interests are 100% aligned with yours EverYield s ultralow commission rate is provided to you with no markup whatsoever Strategy can also be applied to IRA, corporate, and trust accounts or regular cash accounts We monitor your investment positions at all times that the market is open Equity options are generally considered to have above average market risk