Attorney Fee Deferral Plan

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1 Attorney Fee Deferral Plan

2 ABOUT US Havelet is an independently owned assignment company based in Barbados. We provide periodic payment solutions to attorneys who wish to structure receipt of their contingent fees, personal injury or otherwise, in a tax- efficient manner. Independent from any insurance company, Havelet is able to offer a variety of carefully designed and dynamically invested products. OUR PARTNERS As we have no conflicts of interest, Havelet is able to offer flexible and competitive structures utilizing world class legal, investment and annuity providers. THE PLAN The Havelet Plan allows an attorney to defer receipt of their fees until such time as they are required. The fees are invested through a portfolio of investments professionally managed by leading money managers based upon the attorney's designated investment objective. This is achieved by utilizing an assignment contract under which the defendant (or a qualified settlement fund) pays a sum representing some or all of the attorney's fees to Havelet, and Havelet agrees to make periodic payments to the attorney in the future. The precise value of the periodic payments will be determined by the performance of the selected portfolio. As the fees are invested on a pre- tax basis and the investments can grow tax- free, there is a much larger capital base than would otherwise be the case. The net result is a higher after- tax sum to be received by the attorney. Importantly, Havelet s clients are able to participate in market rates of returns, customize deferral and payment terms, select beneficiaries and contingent beneficiaries and view account details online.

3 WHO IS THE PLAN APPROPRIATE FOR? The Plan may be appropriate for any attorney who receives contingent fees, provided that: The fees are not immediately required; The attorney is an accredited investor as defined under US securities laws; The part of the fee to be structured is $500,000 or greater otherwise minimum fees may apply; The attorney has not already entered in to a court approved settlement agreement in respect of that fee, unless a qualified settlement fund is being utilized. TAX MATTERS Havelet has obtained tax advice from a leading US Law Firm regarding the tax position of Havelet and the attorney. A full opinion is available to our prospective clients. In summary, the attorney should not be subject to current U.S. income tax on the full amount of their fee paid to Havelet nor should any other tax consequences apply to the structure. Upon receiving distributions from Havelet, the attorney will be subject to tax on such distributions at ordinary rates. Regarding the 3.8% Affordable Care Act tax on net investment income, Havelet has been advised that that the entire amount of each payment from Havelet to the attorney represents deferred legal fees and not net investment income subject to tax under Code Section 1411.

4 INVESTMENT OPPORTUNITIES The attorney s fee will be invested by Havelet in one of several portfolios designed by leading investment firms within the Evestnet platform. Additionally, the attorney may select to work with their existing investment advisor provided certain criteria can be met. The attorney will select the most appropriate portfolio for their circumstances, with the help of a licensed adviser. The portfolios run the spectrum of risk and range from conservative, traditional strategies to more aggressive alternative arrangements. Please note that once an investment objective has been selected, it cannot be altered. Online, real time access is available to view the portfolio and monitor its performance. Havelet does not offer client specific tax, legal or investment advice but is able to liaise with your advisors in this regard.

5 WHY HAVELET? Not limited to personal injury cases Flexible deferral and payment terms Secure flow of funds Legally documented strategy Estate tax efficient Unbiased investment opportunities both variable and fixed For more information, please contact: assignment.com / Company Number: The information contained in this material is being furnished to prospective investors on a confidential basis, is subject to change and does not constitute investment advice or a recommendation. This material does not constitute an offer to sell or the solicitation of an offer to purchase contract rights (the Contract Rights ) with respect to a structured attorney fee plan (the Plan ) to be administered by Havelet Assignment Company Limited ( Havelet ). Such offer or solicitation may only be made by means of delivery of a confidential disclosure memorandum (and accompanying documents) that contains a description of the material terms of the Contract Rights and the Plan (including, without limitation, risk factors, conflicts of interest, fees and charges, and tax implications). The Plan is a newly established product and therefore many of the statements herein are forward- looking. Forward- looking statements represent present intention, which may be materially different from future realized results, methods, and/or strategies. The information herein reflects the views of Havelet and sources believed to be reliable. No representation or warranty is made by Havelet (nor any of their respective partners, members, employees, agents or other representatives) as to the accuracy or completeness of the information contained herein. There is no guarantee that any forecasts or opinions in this material will be realized. The views expressed herein may change at any time subsequent to the date of issue hereof.this material is being provided to you on a confidential basis. Accordingly, this document may not be reproduced in whole or in part, and may not be reproduced or delivered or provided to others who are not directly concerned with a prospective investor s decision regarding the potential purchase of Contract Rights without the prior written permission of Havelet.

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