Advantage does not mass market its policies, but is prepared to make them available within Cayman Islands on
a case-by-case basis. All Advantage policies are individually structured to ensure the client obtains the best possible
benefits based upon the specific facts of his or her particular situation. Advantage only works through and with
the tax or estate planning counsel of prospective clients to develop and implement a life or annuity policy that is
appropriate for the client. The products and services described are not being offered for sale and will not be sold in the
United States of America (including the District of Columbia), its states, territories or possessions or to any person therein.