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J. Safra Inc. is a company licensed as an insurance agency in the State of Florida, United States of America and supervised by the Office of Insurance Regulation. This material is not directed at, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any jurisdiction where such distribution, publication, availability or use would be contrary to applicable law or regulation, or which would subject J. Safra Inc. to any registration or licensing requirement within such jurisdiction. The presentation is intended to provide the recipient with general information about wealth transfer planning. This presentation and any accompanying materials are merely descriptive. This material is not investment advice and does not constitute, and shall not be construed to constitute an offer to buy or sell, or solicitation of funds or an offer to buy or sell any financial instrument, insurance product or any planning technique to any person in any jurisdiction. Nothing in this material constitutes investment, legal, or tax advice or a recommendation, or offers any opinion regarding the suitability of any particular planning technique or alternative. The products, services, or techniques, as well as associated fess, charges, financing alternatives, requirements, general or particular conditions may differ among different insurance agents, insurance carriers, and locations. Not all the products, services, or techniques described in this presentation may be offered in all locations, or available or suitable for the recipient. The information set forth herein has been obtained or derived from sources believed by J. Safra Inc. to be reliable, but it does not make any representation or warranty, express or implied, as to its accuracy or completeness, nor that it has been independently verified by J. Safra Inc. The opinions and information herein are subject to change at any time without notice. Each recipient should make independent decisions to purchase any financial instrument or insurance product, or employ any wealth planning technique described herein based on complete information, and if appropriate, seek professional advice, and not in reliance upon this material or any other information disseminated, whether in writing or orally, and shall assume sole responsibility for any outcome resulting therefrom. The appropriateness of any wealth planning technique or alternative should be verified independently by each recipient’s professional advisors before applying such strategies and techniques to a particular fact situation. J. Safra Inc. disclaims any and all liability relating to the information herein, including without limitation any express or implied representations or warranties for, statements contained in, and omissions from, the information. J. Safra Inc. is not liable for any errors or omissions in such information or for any loss or damage suffered, directly or indirectly, from the use of this information. J. Safra Inc. makes no representation as to any tax, accounting, legal, or regulatory issues related to the products, services, or techniques described herein. Any purchaser of any of the financial instruments or insurance products described herein should seek their own legal, financial, and tax advice regarding the appropriateness of purchasing any such instrument or product. A purchaser should also carefully consider any risks involved. Any transaction entered into is in reliance only upon the purchaser’s judgment as to financial, suitability, and risk criteria. J. Safra Inc. does not hold itself out to be an advisor in these circumstances, nor do any of its representatives have the authority to do so. This material was prepared by J. Safra Inc. and by other affiliated institutions and is the sole property of J. Safra Inc. The information contained in this report is confidential and may not be copied or used any way, except with the express written consent of J. Safra Inc. J. Safra Inc. is affiliated with J. Safra Asset Management Corporation, an SEC-registered investment adviser (“Adviser”), which may have effected or may effect transactions for its own account or on account of its advisory clients in the financial instrument, insurance product, or wealth planning technique described herein. No proposed client or counterparty relationship is intended or implied between the Adviser and a recipient of this document. By receiving this communication, each recipient agrees with all the terms described above.*All premium financing information is being provided for informational and educational purposes only and is not guaranteed. Financing the premium involves a number of risks that must be carefully considered before using the loan proceeds to purchase a life insurance policy. Each recipient should seek professional advice for additional details on the applicable terms and risks. Not all insurers and products qualify for this operation.