This communication is not approved for promotional purposes and should not be relied upon. All information is subject to change and may be altered by Insurative Risk Solutions US, Inc. (herein ‘IRSUS’) at any time. IRSUS follows mandated protocol for privacy in all its customer interactions, applications, proposals, illustrations and insurance transaction sales. IRSUS insurance proposals are generated upon request directly from IRSUS or qualified distribution partners. This communication does not constitute an offer or a solicitation of any offer to sell insurance or any other product by IRSUS. In addition, this communication may contain statements that are subject to known and unknown risks, uncertainties and other factors which may cause actual results, performance or achievements to be materially different from any future results. Performance or achievement expressed or implied by this communication and any related IRSUS insurance documents including but not limited to any representations, statements, overviews, proposals and illustrations as some of these factors therein are difficult to predict accurately and are generally beyond IRSUS’s control. You should consider all the areas of risk described in connection with any of the statements contained herein or in any other related insurance documents and readers are cautioned not to place reliance on this communication or any related insurance documents and the reader agrees to hold IRSUS harmless and agrees to release IRUS and any affiliated entity from including but not limited to any, representations, statements, risk factors and limitations described in this document and other related insurance documents. Potential customers may or may not be offered products or services that are described or referenced herein as determined by IRSUS in its sole discretion. Insurance terms are only offered to qualified customers directly or insurance agents and other advisors that must hold the proper licenses, authorizations and applicable appointments prior to solicitation. IRSUS does not guarantee, warranty any information or results illustrated herein as being accurate or the results being achieved, IRSUS does not give any advice or recommendations whether direct or implied that can be relied upon. This communication is for Illustrative purposes only, the information and analysis contained herein are subject to change at any time without notice. Nothing contained herein should be construed as insurance, tax, accounting or legal advice. These materials have been prepared for informational and illustrative purposes only for you to evaluate if you want to be introduced to an insurance product for a potential transaction and with the express understanding that they will be used for only such purpose. In all cases, you should conduct your own investigation and analysis of potential insurance, and you should consider the advice of your legal, accounting, tax and other business advisors and such other factors that you consider appropriate. This is not a recommendation, offer or solicitation to purchase or sell any security, commodity, currency or other instrument.