Policy Shares BEDROCK CAPITAL GROUP

Navigating the life settlement investment market can be difficult, but the goal is simple. Achieve strong risk adjusted returns with limited financial market risk. Bedrock Capital Group is operated by a highly specialized team that has decades of combined experience in the life settlement industry.

Savvy institutional investors have quietly placed billions of dollars into life settlements over the last several decades, capitalizing on the low downside risk, near zero volatility, and superior returns. Because the acquisition of large pools of policies costs tens or even hundreds of millions of dollars, historically, only ultra-wealthy and institutional investors could afford to buy life settlements.

Bedrock Capital Group now offers Florida residents an opportunity to acquire interests in multiple life settlement insurance policies through Policy SharesTM, allowing them to participate the same way wealthy investors have done for years.

Bedrock Capital Group was created by the same people at Senior Settlements, LLC who pioneered the Life Settlement industry more than two decades ago. Senior Settlements has transacted $2 billion in life settlements over the past two decades with its last capital markets transaction, a $200 MM+ sale to Deutsche Bank. In its capacity as originator and servicer, Senior Settlements has over 100 years combined experience in this asset class.

“Life insurance has become…one of the best recognized forms of investment and self-compelling saving.” - Justice Oliver Wendell1 WHAT IS A LIFE SETTLEMENT?

Thousands of senior citizens are looking to sell their life insurance policies for cash. Many use the cash they receive to help pay for end of life and long term care costs. When they sell their life insurance policy to an investor or third party for cash this transaction is called a life settlement.

Example: Jane is 85 years old. She owns a $1,000,000 life insurance policy. She has developed chronic health problems, and now needs nursing care. Jane decides to sell her life insurance policy, instead of continuing to pay for it. She will then use the cash to pay for her long term care costs.

In a study of 9,000 policies that were the subject of a life settlement between 2001 and 2011, policy owners received more than four times the cash surrender amount through a life settlement.

Insurance policy holders find numerous benefits by selling their polices…using the cash to improve lifestyle, supplement retirement income, cover health care and medical expenses or simply to reduce overall expenses. BEDROCK CAPITAL GROUP POLICY SHARESTM

For decades, only ultra-wealthy and institutional investors (Warren Buffett, big banks, investment companies, etc.) could afford to buy life settlements. Bedrock offers the average investor an opportunity to acquire fractional interests in multiple policies thereby allowing them to participate the same way wealthy investors have done for many years.

Investors purchase fractional life settlements from Bedrock as a pool of policies; the investor owns a portion of each policy. A premium reserve account is established for each policy sufficient to pay premiums to life expectancy.

Each investor will participate in a pool of three policies with an average life expectancy of 5 years. The average return will be 12% per year or 60% total return for the 5 year period as illustrated below:

Sample Policy Pool Overview

Assumed Total Investment: $100,000 Targeted Simple Annual Rate: 12% Total Fixed Payout: $160,000 Estimated Profit: $60,000 Estimated Total Simple Yield: 60.00%

Life Estimated Insurance Age & Investment Fixed Estimated ID Face Amount Expectancy Return Company Gender Amount Payout Profit (Months) (Simple 1 $1,000,000 Hartford Life and Annuity78 M Insurance40 Co $33,750 $47,250 $13,500 40.00% 2 $1,000,000 Lincoln Benefit Life Company65 M 60 $32,500 $52,000 $19,500 60.00% 3 $958,960 American General Life77 Insurance F Company80 $33,750 $60,750 $27,000 80.00% $100,000 $160,000

The contractual payout is fixed and will never change. This investment is a non correlated * The cash flows shown above are not guaranteed. The above cash flows assume that each policy will mature at Life asset,Expectancy meaning (the Projected that Maturity it is not Date). dependent This is unlikely on and global policies events, could mature Wall before Street, the Life oil Expectancy prices, orreal after estate the prices,Life Expectancy etc. which could significantly affect the investor's economics. If the Actual Maturity Date of a policy is after the Life Expectancy (the Projected Maturity Date) then investors will be required to pay their share of required premiums for that policy.

This Bedrock Capital Group Sample Policy Pool is meant for general informational and educational purposes only and does not constitute, and is not intended as, any form of investment advice or a recommendation or suggestion to buy or an offer to sell or a solicitation to buy any security. This Sample Policy Pool is confidential and not available to the public. This Sample Policy Pool should be read in conjunction with, and is qualified in its entirety by, the more detailed information contained in the confidential Informational Memorandum, including but not limited to the detailed Risk Factors Disclosures (the "Materials") for the Participation Interests, a product of Resolute Capital Management, LLC, a California limited liability company, d/b/a SPG, confidential copies of which Materials are available to pre-screened qualified California investors upon written request. The description and terms of the Participation Interests contained in the Materials control and represent the exclusive statement and description of the terms relating to the Participation Interests. An investment in the Participation Interests is speculative and involves a high degree of risk. No specific return on investment on this life settlement is guaranteed or implied. Return amounts for this policy will be affected by the specific date the policy is purchased. In certain instances, the policy may not yet be owned, which could result in slight changes in the projected premiums and economics shown above. LIFE SETTLEMENTS ARE NOW CONSIDERED A VALUABLE FINANCIAL PLANNING TOOL RECOGNIZED BY:

USA Today Wharton School of Business

Wall Street Journal AARP

Kiplinger’s American Cancer Society

Bloomberg Time Magazine

MSNBC Business Week

Dateline The Economist

60 Minutes Motley Fool

American Institute of CPA’s WIN, WIN

Socially responsible investing ( SRI ), is any investment strategy which seeks to consider both financial return and social/environmental good. How do life settlements benefit the insured? There are numerous reasons Insurance policy holders may consider selling a life policy:

• The premiums are no longer affordable. • The need to replace lost income in case of death of the insured no longer exists.

• A term policy may be reaching the end of the coverage period.

• Funds are wanted to improve a retirement lifestyle. • The need for funds to pay estate taxes no longer applies.

• The need to eliminate future premiums payments. • There is a need for resources to pay for health expenses and long-term care.

• A business no longer needs key-man insurance. • Premiums of policies owned by trusts continue to rise.

• Generally, the policy seller receives 100-400% more cash in a life settlement than the cash surrender value. BENEFITING THE INVESTOR

The payout of a life settlement transaction Policies, Narayan Naik, Professor of is not impacted by stock market volatility, Finance, London Business School, shows interest rate that secondary life fluctuations, “The evidence suggests that the life insurance market variations in the settlement market has helped benefits both the economy, or significantly in enhancing the welfare investor and the of policy-owners who, instead of foreign instability. insured selling their surrendering, sold their life insurance Bedrock offers policies in the secondary market” unwanted life policy. investors an Professor Naik, says: attractive return in an investment in a pool “The evidence suggests that the life of life settlement assets with an underlying settlement market has helped significantly credit quality of “A” or better and a in enhancing the welfare of policy-owners targeted simple annual return of 12%. who, instead of surrendering, sold their life Buying a life insurance policy then insurance policies in the secondary becomes ethically acceptable. In the past, market”. we have reviewed life settlements and In a study of 9,000 policies that were the concerns surrounding the ethical nature of subject of a life settlement between 2001 investing in life insurance based securities. and 2011, policy owners received more In his detailed study, Empirical than four times the cash surrender amount Investigation of Life Settlements through a life settlement. Secondary Market for Life Insurance GIVING BACK Bedrock is committed to making the world a better place which is why we have pledged to donate a percentage of all subscriptions to support charitable giving.

Bedrock Capital Group is guided by core values that shape the way we conduct our business. By strategically focusing its giving Bedrock can have a substantial impact on our community and those that need our support.

• Noelle’s Light • Missionaries of the Poor • Ronald McDonald House • And Others Marketing Materials securities offering disclaimer:

This Executive Summary is meant for informational purposes only and does not constitute an offer to sell or solicitation of an offer to buy any security. This Executive Summary is confidential and not available to the public. This Executive Summary should be read in conjunction with, and is qualified in its entirety by, the more detailed information contained in the confidential Private Placement Memorandum, including but not limited to the detailed Risk Factors Disclosures (the "Materials") for the Bedrock Capital Group, LLC Fund (the "Fund"), a product of Bedrock Capital Group, LLC, a Florida limited liability company, confidential copies of which Materials are available to pre-screened qualified accredited investors upon written request. The description and terms of the Fund contained in the Materials control and represent the exclusive statement and description of the terms relating to the Fund. An investment in the Fund is speculative and involves a high degree of risk.

Information contained in this Executive Summary related to the investment return or performance of the Fund or other funds or investment vehicles may not be relied upon as representative or indicative of the level, nature or similarity to the prospective returns that the Fund or any other investment may achieve. No reliance may be placed for any purpose on the information contained in this Executive Summary or its accuracy or completeness.

Please review carefully the Materials, including especially the Risk Factors Disclosures.

For more information, please visit: www.bedrockcapitalgroupllc.com

111 N o r t h O r a n g e Ave n u e Suite 800 Bedrock Capital Policy Shares Group Orlando, Florida 32801