Financial Profile (client Packet)

Meeting Agenda

Est ate Pl ans

A. Introduction B. Agent Background

Estate Plans Long-Term Care Asset Protection Wealth Transfer

C. Client Background 1. Review Financial Foundation 2. Investment Risk / MAP 3. Goals and Priorities D. Seven Key Steps to Planning 1. Financial Foundation 2. Risk Management 3. Wealth Accumulation 4. Taxes and Inflation 5. Retirement Plans 6. Asset Protection 7. Estate Planning

Wealth Accumulation

• • • •

Retirement Plans Taxes and Inflation Wealth Strategies Business Ownership

RISK MANAGEMENT

Auto & Property Life Insurance Insurance

Health Insurance

Disability Income Protection Greatest asset is your ability to work… FINANCIAL FOUNDATION

Review Current Plans, Goals, Priorities and Documents

E. Six Step Process 1. Personal Commitment 2. Data Gathering

Date:

Financial Questionnaire (two pages) • Assets and Liabilities • Budget Analysis • Social Security Statements •

3. Critical Factor Analysis 4. Review Assessment

Date:

5. Implementation of Action Plan 6. Introductions to my services… (four or more) Many people never take the time to do what you are doing. When the time is right and you find a friend, co-worker or a family member who could benefit from my services, all I ask is that you don’t keep me a secret. Let me know how to get connected with them.

If you have questions, or need to reset an appointment, please call us.

(425) 280-9169 Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

Financial Foundation

Est ate Pl ans

GOALS and Priorities 1. Create Your Plan 2. Implement Your Plan 3. Review Your Plan

Date:

Estate Plans Long-Term Care Asset Protection Wealth Transfer Wealth Accumulation

• • • •

What’s important about money?

Retirement Plans Taxes and Inflation Wealth Strategies Business Ownership

RISK MANAGEMENT

Auto & Property Life Insurance Insurance

Health Insurance

WHAT IF…?

Disability Income Protection Greatest asset is your ability to work… FINANCIAL FOUNDATION

Review Current Plans, Goals, Priorities and Documents

GOALS & OBJECTIVES • • • • • • • • • • •

(Please answer the level of importance, not rather you have achieved it or not) LEVEL OF YOUR CONCERN? AREA OF CONCEARN LOW MED HIGH

DISABILITY INCOME – Examine the financial impact a disability would have on your income. CRITICAL ILLNESS – What if you were diagnosed with cancer – heart attack – stroke or another critical illness? NEEDS IN THE EVENT OF DEATH - Examine the financial impact of a death, including immediate cash needs and continuing income needs. SAVINGS ACCOUNT - Having adequate emergency savings set aside for immediate needs. DEBT ELIMINATION – Reduce or pay off all non-mortgage debts (school loans, auto, credit cards, loans and etc.). RETIREMENT – Compare how your current retirement plans compare to your objectives. ASSET ALLOCATION –Examine your current asset allocation in relation to your risk tolerance. (Aggressive – Moderate – Conservative) LONG-TERM CARE – Examine the devastating impact long-term care cost can have on your financial situation. COLLEGE FUNDING – Examine the cost of college and alternative methods of funding for child(ren) and grandchildren(ren). ESTATE PLANNING – Examine your plan for minimizing potential estate taxes, lawsuits and medical bills. ACCUMILATION GOALS – Examine and plan for the cost to accomplish Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

major financial goals. (Business Ownership / Rentals & Vacation Property)

What does a Financial Representative do? Corbin Lindsey, Independent Financial Representative, main goal is to help clients define their personal financial goals, review their current insurances and investments and focus on planning. Please review my services and products listed. You will find that being independent allows me to offer what is best for you and not just from a small list of what other agents who are captive agent has to offer. I believe that I work for my clients and not for the insurance companies.

How much will this cost? Our services are at no cost to you. We do not charge our clients a fee to discuss their planning needs and develop a personal portfolio for them no matter how many times we meet. Services - Budget Analysis - Financial Foundation Review - Risk Analysis / Needs Assessment - Wealth Accumulation Strategies - Tax Strategies - Retirement Planning - Asset Protection - Estate Planning - Pension Maximization - Investment Strategies - Mortgage Equity Harvesting Business Planning - Business Buy / Sell Funding - Business Continuation - Key Man (Golden Handcuffs) - Executive Bonus - Tax Strategies for Business Owners - Employee Educational Workshops Insurance Products - Disability Insurance - Life Insurance (& Mortgage Protection) - Long-Term Care - Critical Illness - Health / Medicare Supplements / Part D Investment Products - 401(k) - IRA’s (Traditional / SEP / SIMPLE / ROTH) - Annuities (Fixed / Variable) - Cash Value Policies (Fixed / Variable) - Mutual Funds (See List Below for popular funds) Most Popular Funds: - American - AIM - Lord Abbott - MFS - Oppenheimer - Mainstay And many more…

• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •

Companies Appointed ALLIANZ LIFE INSURANCE COMPANYOF NORTH AMERICA AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS AMERICAN GENERAL LIFE INSURANCE COMPANY AMERUS LIFE INSURANCE COMPANY ASSURITY LIFE INSURANCE COMPANY AVIVA LIFE INSURANCE COMPANY AXA EQUITABLE LIFE INSURANCE COMPANY BANNER LIFE INSURANCE COMPANY BUSINESS MEN'S ASSURANCE COMPANY OF AMERICA C M LIFE INSURANCE COMPANY EMPIRE GENERAL LIFE ASSURANCE CORPORATION EQUITRUST LIFE INSURANCE COMPANY FIDELITY & GUARANTY LIFE INSURANCE COMPANY FORESTERS GENWORTH LIFE INSURANCE COMPANY HARTFORD LIFE AND ANNUITY INSURANCE COMPANY HARTFORD LIFE INSURANCE COMPANY ILLINOIS MUTUAL LIFE INSURANCECOMPANY ING USA ANNUITY AND LIFE INSURANCE COMPANY JOHN HANCOCK LIFE INSURANCE COMPANY MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY METROPOLITAN LIFE INSURANCE COMPANY MIDLAND NATIONAL LIFE INSURANCE COMPANY MUTUAL OF OMAHA OHIO NATIONAL LIFE INSURANCE COMPANY THE PENN TREATY NETWORK AMERICA INSURANCE COMPANY PHYSICIANS MUTUAL INSURANCE COMPANY PRINCIPAL LIFE INSURANCE COMPANY PROTECTIVE LIFE INSURANCE COMPANY PRUCO LIFE INSURANCE COMPANY STATE LIFE INSURANCE COMPANY THE SUN LIFE ASSURANCE COMPANY OF CANADA U S TRAVELERS LIFE AND ANNUITY COMPANY THE UNITED OF OMAHA US FINANCIAL LIFE INSURANCE COMPANY

Do you have an agent, advisor or broker actually working FOR YOU? Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

Introductions and Referrals In exchange for helping you with your planning needs, I ask that you help me with my marketing. There are many like yourself that would love to have the chance to meet with me. If you would provide me with introductions of those like yourself who take planning seriously, I would be more then glad to contact them and offer them the same service you have had. Client Name:

Date:

Ideal client, like you – • • • •

•

Cares about family and community Spends the time to plan for their lives Has high integrity and values Seeks professional advice

•

Is helping / generous and likes to make a difference in the lives of others Is serious about achieving the freedom that comes with financial security

Who do you know who embodies those qualities and – • •

Expressed desire to educating their Children? If working, has an income of at least $50,000

• •

If Retired, has assets of at least $100,000

• • • •

Owns a business or is financially successful Just – Married / had a child / Retired Retirement Planning concerns Is doing well with their financial goals, and open to reviewing their needs?

My clients also consist of professionals and business owners. • •

Is a successful professionals, such as a CPA, Accountant, Attorney, Physician, Realtor, Loan Officer? Many are corporate leaders in our community and are on boards of many charities. Is a successful business professional or owns a small business?

Please write down the information indicated below. All I ask is that whoever you would like to introduce to me would have been previously contacted by you and that a desire for me to contact them has been expressed.

#

Contact Name

Phone #

City

Notes

1 2 3 4 5 6 7 8 9 1 0 Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

Thank you for taking the time to help me to help others reach their financial goals.

Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

Client Review

Date:

Last Name:

Home #:

Client: Spouse: Child: Child: Child: Child: Address: City: Client Cell: Spouse Cell: Occupation: Employer: Income:

DOB: DOB: DOB: DOB: DOB: DOB: E-Mail: Zip Code: Anniversary: Grandkids: Occupation: Employer: Income:

Phone:

Age: Age: Age: Age: Age: Age:

NS / S NS / S NS / S NS / S NS / S NS / S

Phone:

Product Group Life Term / Perm Life Disability Long-Term Care Health Coverage Auto / Home / Umbrella

Client

Spouse

INVESTMENTS

INSURANCE

1. What financial products and how would you describe your knowledge of them? Product Pension Plan 401K/403b/457/ IRA’s Mutual Funds / Stocks Bonds / T-Bills Annuities CD’s / Money Market

Client

Spouse

2. Which type of “investor profile” best describes you? Risk Level Very Conservative Conservative Moderate Aggressive

Definition Would not like to take any risk Only a small amount of money at risk Comfortable with some risk Comfortable with greater risk

Client

Satisfaction Level:

Name of Broker: 3. GOALS & OBJECTIVES

Spouse

A

B

C

D

(Please answer the level of importance, not rather you have achieved it or not) LEVEL OF YOUR CONCERN? AREA OF CONCEARN LOW MED HIGH

• • • • • • • • • • • • 

DISABILITY INCOME CRITICAL ILLNESS NEEDS IN THE EVENT OF DEATH SAVINGS ACCOUNT DEBT ELIMINATION RETIREMENT ASSET ALLOCATION LONG-TERM CARE COLLEGE FUNDING ESTATE PLANNING ACCUMILATION GOALS OTHER GOALS Any Legal Documents: Last Updated:

Living Will

Medical Directive

Power of Attorney

Trusts

Do you need a referral to another professional? Attorney

Tax Accountant

Property and Causality

Loan Officer

Realtor

Stock Broker

OTHER:

Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

Assets and Liabilities Worksheet To facilitate a Needs Analysis which details where your current risk factors and the status of your retirement outlook, we ask that you obtain recent copies of each investment documents listed below. (Please have available for review upon our next appointment.) Client Name:

Date:

PLEASE PROVIDE A COPY OF • Financial Questionnaire Worksheet • Current Budget Breakdown • Social Security Statements (A copy may be obtained at www.ssa.gov) INVESTMENTS / ASSETS (Please have copies to review) • CD’s (Certificate of Deposit) • Savings Account / Money Market • 401 k / 403 / 457 Plans • IRA - Traditional / Simple / SEP • IRA – Roth • Stock Accounts • Mutual Fund Accounts • Bond Accounts • Annuity (Fixed / Index / Variable) • Pension (Fed / State / City) • Pension (Military / Union) • House Market Value LOANS / OBLIGATIONS • House 1st Mortgage • House 2nd Mortgage • Car Loans • Education Loans • Personal Loans • Other Loans • Credit Card Accounts • OTHER: Current In-Force Policies (Please have copies to review) • Life Insurance (from work) • Life Insurance (term) • Life Insurance (cash value type) • Disability Income • Long-Term Care • Critical Illness Insurance

Current Value $ $ $ $ $ $ $ $

Rate

$ $ $

% $ % $ Equity $ Balance

$ $ $ $ $ $ $ $

% % % % % % % %

Rate % % % % % % % %

Face Amount $ $ $ $ $ $

Mo. Payment $ $ $ $ $ $ $ $

Mo. Payment $ $ $ $ $ $ $ $ Mo. Payment

$ $ $ $ $ $

Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

*** Please have the above information ready prior to our next appointment. However, should you not be able to gather all information listed above prior to our meeting you can supply that information at a later date.

Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

Budget Analysis Client Name:

Date:

First name

Occupation

(Utilities / Insurances)Monthly Living Expenses

Long-Term Debt

Auto Loans

Mtg. Loans

Total Monthly Income Expenses 1st Mtg 2nd Mtg

Company

Line of Credit Mortgage Loans

Gross Inc

Net Inc

Medical

Pre-tax Save

Other

Balance

Payment

Budget

Disabled???

Total Int. Rate

Total

Car

Auto Loans

Total

Long-Term Debt

Total

Student Loan Credit Card

Gasoline for cars Electricity Garbage Sewer & Water Home Phone Groceries Child Care Auto Insurance Retirement / Savings Disability Life Insurance

Monthly Living Expenses

Total

Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

Monthly Spending

Entertainment Cell Phones Cable Internet OTHER Monthly Spending

Total

Monthly Expenses Total SURPLUS / DEFICET *** Optional Excel version of this budget analysis is available upon request or you may go to: www.lindseyadvisors.com

Financial Questionnaire Take the time to complete this questionnaire as it will help us to ask you the right questions. We want to help you in all your planning services. IF you feel there are additional details that we should know about then please turn over the paper and write your comments along with any additional questions on the back side of this form. Please have this ready for our next appointment.

Client Name: Health Insurance

Date:

Do you have any type of health Insurance? Have you found it to be adequate? Who handles that for you or your company?

YES YES

NO NO

YES YES

NO NO

YES

NO

YES

NO

YES

NO

YES

NO

Disability Income / Critical Illness If disabled due to an injury or illness would your income continue? If So, how…? (Payout amount, taxed?) If disabled, how long would current savings and investments last? Do you feel comfortable with this?

Savings Account Do you have a systematic savings program? How much are you saving monthly? Where? How?

YES $

Life Insurance Analysis Do you have an adequate amount of life insurance? How much do you currently have? (Group / Individual) Why did you choose that amount? What Company? What type is it? (TERM / WL / UL / EIUL / VUL) What is the Annual Premium? How much insurance do you own on your children

NO

If Husband Dies YES NO $

If Wife Dies YES NO $

$

If you died, would your family maintain their standard of living?

YES

NO

YES

LUMP-SUM CAPITOL NEEDS AT DEATH FUNERAL EXPENSES – Burial, Medical Expenses, etc. PROBATE and TAX LIABILITIES MORTGAGE / RENT – Balance or Payments Required? DEBT LIQUIDATION – Loans, Credit Cards, etc.? EDUCATION FUND – Children / Spouse? EMERGENCY FUND – Home, Auto Repair & Emergencies, etc.? CHILD CARE FUND – (yearly cost multiplied by # of years)

$ $ $ $ $ $ $

$ $ $ $ $ $ $

Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

NO

ANNUAL INCOME NEEDS***

With Children Husband Wife

After Children Husband Wife

During Retirement Husband Wife

# of Years Annual Living Expenses of Survivors Social Security Benefits Survivors Earned Income Other Expected Income *** Please do not complete the “ANNUAL INCOME NEEDS” Section

Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

Financial Profile Continued Client Name: Retirement Planning

Date:

At what age would you like to retire? Does your employer sponsor a retirement plan? If so, what type? (401k / 403b / 457 / Pension / ESOP / Profit Sharing) Monthly employer contributions $ Monthly employee contributions $ Current balance $

$ $ $

Are you and your spouse covered by Social Security? What is the estimated monthly Social Security Amount? What age do you plan to take Social Security Income? Do you have military or other pension benefits? How long do you believe that you will live during retirement? In today’s dollars, what annual income do you want at retirement? Right now, how much more could you save monthly for retirement?

YES $ 62 65 66 YES 75 80 85 $ $

YES

NO

YES

NO

$ $ $ NO

YES NO $ 62 65 66 67 72 YES NO 75 80 85 90 95

67 72 NO 90 95

($24K Suggested Minimum)

HOW:

Long-Term Care Do you currently have a Long-Term Care Policy Do you have Assets that you wish to protect? Do you feel good about your ability to fund Long-Term Care Needs?

YES YES YES

NO NO NO

YES

NO

Education Funding Do you plan to contribute to your children’s college education? Do you have a college in mind? How much have you accumulated? How much are you currently saving monthly for this? Right now, how much more could you save monthly for college?

YES $ $ $

NO

Which One:

HOW: HOW: HOW:

Pension Maximization Company Name: Yrs at company: Are you vested: Pension start date: Rate per yr:

YES

Company Name: Yrs at company: Are you vested: Pension start date: Rate per yr:

NO

YES

NO

Mortgage Maximization Market Value Total Mtg Debt Total Equity Mortgage details 1st Mtg Company Loan Balance Interest Rate # of payments remaining

$ $ $

Annual Taxes Annual Insurance Other:

$ %

2nd Mtg Company Loan Balance Interest Rate # of payments remaining

$ $

$

Notes:

Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

%

Life Insurance Worksheet Date

Last Name

Cash Needs at time of death of: Immediate Money Fund

Husband

Wife

HUSBAND

WIFE

$

$

Funeral – Medical (hospital) expenses – Attorney – Executor fees – Probate cost – taxes

Mortgage / Rent Payment Fund

$

$

$

$

$

$

$

$

$

$

$

$

Mortgage Amount remaining or Monthly Rent $_____ x 12 x _____ years

Debt Elimination Fund Credit Cards – Auto Loans – School Loans – Other

Educational Fund Kids Education Goals ($_____ per child x _____ children = _____ )

Emergency Fund Unexpected bills like car repairs, roof repairs, medical emergencies, etc.

Other Needs Child Care, etc.

(A) TOTAL CASH NEEDS AT DEATH

LIVING EXENSES OF:

WIFE

HUSBAND

Monthly Gross Income Objective

$

$

Less: Survivor’s Earned Monthly Income

$

$

Less: Estimated Social Security Survivor Benefit

$

$

Monthly Income Shortage (if applicable)

$

$

$

$

•

Capital Retention Method

Multiply monthly income shortage by 12 and divide by Expected Net Yield. Take Assumed Interest Rate - Assumed Inflation Rate = Net Yield %

•

Capital Depletion Method

$

$

Refer to the table on the reverse side of this form for the appropriate amount needed

(B) TOTAL INCOME NEEDS AT DEATH

$

Funds Available to Meet Needs from: Current Life Insurance In Force

$ HUSBAND

WIFE

$

$

$

$

$

$

$

$

Existing Individual and Group Life Insurance Policies / Certificates

Realizable Assets Checking – Savings – Investments – Etc.

(C) TOTAL FUNDS AVAILABLE (A) Cash Needs + (B) Income Needs – (C) Funds Available

All Information contained and recorded in this document including the document itself is the property of Corbin Lindsey and will not be shared with any third party without the express written consent of the client.

Corbin Lindsey, Lindsey Financial Services Phone: (425) 280-9169 Email: [email protected] WEB: www.lindseyadvisors.com

Capitol Depletion Method Monthly Income Shortage (From Reverse Side)

$

$

(A) Assumed Interest Rate

%

%

(B) Assumed Inflation Rate

%

%

(C) Net Rate of Return (A-B)

%

%

Number of years to Depreciate Capital This is the number of years the insured would like to provide income to his / her survivors

Annuity Factor (Use the table below to determine the correct Annuity Factor by matching the number of years that income is required and corresponding it with the expected Net Rate of Return)

Total Income Needs at Death Monthly Income Shortage x Annuity Factor of this form)

$

$

(This amount should also be transferred to Section B “Total Income Needs at Death on the reverse side

RequiredYears

NET RATE of RETURN

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 25 30 35 40 45 50 55 60 65 70

2.0%

2.5%

3%

3.5%

4%

4.5%

5%

5.5%

6%

6.5%

7%

7.5%

8%

11.87 23.51 34.92 46.11 57.08 67.83 78.37 88.71 98.84 108.78 118.51 128.06 137.42 146.60 155.60 164.42 173.07 181.55 189.86 198.01 236.42 271.21 302.72 331.26 357.11 380.53 401.73 424.56 438.34 454.09

11.84 23.39 34.66 45.66 56.39 66.85 77.06 87.02 96.74 106.22 115.47 124.50 133.30 141.89 150.27 158.45 166.42 174.21 181.80 189.20 223.61 254.03 280.91 304.67 325.67 344.23 360.64 377.83 387.95 399.28

11.81 23.28 34.41 45.22 55.71 65.90 75.79 85.39 94.71 103.76 112.55 121.08 129.36 137.41 145.21 152.79 160.15 167.30 174.24 180.97 211.82 238.42 261.37 281.17 298.25 312.98 325.69 338.65 346.10 354.26

11.78 23.16 34.16 44.78 55.04 64.96 74.54 83.80 92.75 101.39 109.74 117.81 125.60 133.14 140.41 147.44 154.24 160.80 167.14 173.27 200.93 224.22 243.83 260.35 274.25 285.95 295.81 305.60 311.10 316.98

11.75 23.05 33.91 44.35 54.39 64.05 73.34 82.26 90.85 99.10 107.04 114.67 122.01 129.06 135.85 142.37 148.65 154.68 160.48 166.05 190.88 211.28 228.05 241.84 253.17 262.48 270.13 277.54 281.59 285.84

11.72 22.93 33.66 43.93 53.76 63.16 72.16 80.77 89.01 96.90 104.44 111.66 118.57 125.18 131.51 137.57 143.36 148.91 154.21 159.29 181.58 199.47 213.82 225.34 234.58 242.00 247.95 253.56 256.56 259.63

11.69 22.82 33.42 43.52 53.13 62.29 71.01 79.32 87.23 94.77 101.94 108.77 115.28 121.48 127.39 133.01 138.36 143.46 148.32 152.94 172.97 188.66 200.95 210.59 218.13 224.05 228.68 232.94 235.16 237.38

11.66 22.71 33.18 43.11 52.52 61.44 69.90 77.91 85.51 92.71 99.53 106.00 112.14 117.95 123.46 128.68 133.63 138.32 142.77 146.98 164.99 178.76 189.30 197.36 203.53 208.25 211.86 215.10 216.74 218.36

11.63 22.60 32.95 42.71 51.92 60.61 68.81 76.55 83.84 90.72 97.22 103.34 109.12 114.57 119.72 124.57 129.15 133.47 137.54 141.38 157.57 169.67 178.71 185.47 190.52 194.29 197.11 199.57 200.79 201.96

11.60 22.49 32.72 42.32 51.34 59.80 67.75 75.22 82.23 88.81 94.99 100.79 106.24 111.35 116.16 120.67 124.90 128.88 132.61 136.12 150.69 161.32 169.08 174.75 178.88 181.90 184.10 185.97 186.88 187.74

11.57 22.38 32.49 41.93 50.76 59.01 66.72 73.93 80.66 86.95 92.84 98.33 103.47 108.27 112.76 116.95 120.87 124.53 127.96 131.16 144.27 153.63 160.30 165.05 168.44 170.86 172.58 174.01 174.69 175.31

11.54 22.28 32.27 41.56 50.20 58.24 65.72 72.67 79.14 85.16 90.76 95.97 100.82 105.33 109.52 113.42 117.05 120.42 123.56 126.48 138.30 146.53 152.27 156.26 159.04 160.98 162.33 163.42 163.92 164.38

11.51 22.17 32.04 41.18 49.64 57.48 64.74 71.45 77.67 83.43 88.77 93.70 98.27 102.51 106.43 110.06 113.42 116.53 119.41 122.08 132.73 139.98 144.91 148.27 150.55 152.11 153.17 154 154.38 154.71

All Information contained and recorded in this document including the document itself is the property of

Corbin Lindsey, Independent Agent 2712 179th PL NE, Marysville, WA 98271 Phone: (425) 280-9169 Email: [email protected]

Corbin Lindsey and will not be shared with any third party without the express written consent of the client.

Corbin Lindsey, Independent Agent 2712 179th PL NE, Marysville, WA 98271 Phone: (425) 280-9169 Email: [email protected]