This document provides an overview of the Reverse Annuity Protocol, which accumulates a portfolio of reverse annuities to generate earnings for investors. A reverse annuity allows seniors to access the value of their life insurance policies in exchange for regular payments. The protocol aims to originate over 200 reverse annuities worth over $130 million in collateral over 5 years to produce an annual return of over 20% for initial investors of $15 million. Independent entities will originate, administer and analyze the reverse annuities to safeguard earnings within the protected investment structure.

1. 2
INDICATIVE SUMMARY
THE
REVERSE ANNUITY PROTOCOL
A
STRATEGIC WEALTH ACCUMULATION INITIATIVE
POSTSCRIPT VENTURES, INC.
PALM COAST, FLORIDA 321642
consultant33psv@yahoo.com  203.824.1350 Cell
The information contained herein is being disclosed to the recipient upon the express
understanding that the recipient agrees to keep the entire contents of this document
confidential and that nothing contained herein will be reproduced in any manner whatsoever
without prior written consent from Postscript Ventures, Inc.
©2012 POSTSCRIPT VENTURES, INC.
All Rights Reserved
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2. CONTENTS
INVESTMENT OVERVIEW .....................................................................................................................................1
REVERSE ANNUITY PROTOCOL ......................................................................................................................1
ACCRUAL RESERVE ............................................................................................................................................1
REVERSE ANNUITIES................................................................................................................................................1
COMPOSITION OF THE REVERSE ANNUITY ..............................................................................................................1
STATUTORY ASSURANCES ........................................................................................................................................1
INVESTMENT POTENTIAL ..........................................................................................................................................2
THE REVERSE ANNUITY TRANSACTION .........................................................................................................4
THE REVERSE ANNUITY INDENTURE .......................................................................................................................4
HEALTH-RISK PROFILE.............................................................................................................................................4
TRANSACTIONAL CLASSIFICATION..........................................................................................................................4
SAFEGUARD REGIMEN ..........................................................................................................................................5
THE PROTECTED CASH-FLOW ENVIRONMENT .......................................................................................................5
COMPOSITION OF THE SAFEGUARDREGIMEN .....................................................................................................5
PROGRAM COORDINATOR ...................................................................................................................................6
POSTSCRIPT VENTURES, INC. .................................................................................................................................6
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3. POSTSCRIPT VENTURES, INC. CONFIDENTIAL FACTSHEET
INVESTMENT OVERVIEW
REVERSE ANNUITY PROTOCOL
The REVERSE ANNUITY PROTOCOL is a proprietary financial procedure which accumulates a
lucrative portfolio of self-amortizing REVERSE ANNUITIES1 in a turnkey ACCRUAL RESERVE.
The entire accumulation process is safeguarded by a professionally administered regimen
[see: “SAFEGUARD REGIMEN”]. Ownership of the ACCRUAL RESERVE is available to investors
seeking extensive monetary growth with nominal investment risk, who are prepared to issue
a bona fide commitment to provide the capitalization of 15 million USD contributable over
the first two years.
ACCRUAL RESERVE. Established as a turnkey wealth accumulation repository for the sole
financial benefit of its vested owners, the ACCRUAL RESERVE is administered by
independent professional entities2 who are engaged to accumulate and safeguard a
dynamically expanding portfolio of officially recorded REVERSE ANNUITIES which generate
rewarding yields for the ACCRUAL RESERVE’S owners. The assets of the ACCRUAL RESERVE
will mainly consist of retained earnings accumulated under officially recorded REVERSE
ANNUITY indentures. Accordingly, this market-responsive undertaking will generate
substantial monetary growth for registered owners of the ACCRUAL RESERVE.
REVERSE ANNUITIES. REVERSE ANNUITIES provide eligible retirees with a lifetime of financial
assistance by accessing the equity in their conveyed insurance products (e.g. life insurance,
deferred annuities, etc.). With over 1.5 trillion dollars of life-based insurance products
currently in the possession of our senior citizens, the REVERSE ANNUITY PROTOCOL will
undoubtedly provide meaningful financial assistance to this uneasy sector of our population
which is conspicuously underserved.
REVERSE ANNUITIES are profitable funding transactions entirely safeguarded with guaranteed
Settlement Benefits which are pledged as collateral by senior candidates. Each Settlement
is the future death benefit payment of a collateralizing insurance product, which is
irrevocably conveyed to the ACCRUAL RESERVE in order to safeguard payment of the
candidate’s entire debt obligation due under their REVERSE ANNUITY indenture. Every
Settlement Benefit is underwritten with an irrevocable statutory guarantee [see: “Statutory
Assurances”].
COMPOSITION OF THE REVERSE ANNUITY
Each Reverse Annuity is structured to generate sustainable earnings for the PROTOCOL
through the analytically responsive funding of their Annuity Advances. Qualifying senior
retirees will assign their interest in, and right to receive death benefits from their insurance
carriers in return for lifetime Annuity Advances calculated at an analytically established
discount to the death benefits of their collateralizing life-based insurance products. The
PROTOCOL earns a return on investment in exchange for assuming the funding of Annuity
Advances and the cost of insurance associated with the realization of its prorated share of
the collateralizing Settlement Benefits.
STATUTORY ASSURANCES
Insurance guaranty funds have existed in all states since 1991. Coverage is generally
limited to a maximum of $300,000 to $500,000 for individual claimants. The overriding
effect is to make death benefit payments immune from insurer default. Generally speaking,
if a domestic insurer is impaired or insolvent, each State Insurance Commission will cause
1
REVERSE ANNUITIES are a purely financial concept, not an insurance product.
2
The business activities of the RESERVE are conducted under a completely transparent monetary
regimen administered by an Annuity Provider, a Fiduciary Designee and selected actuarial and
analytical specialists.
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4. POSTSCRIPT VENTURES, INC. CONFIDENTIAL FACTSHEET
INVESTMENT OVERVIEW
the life-based insurance products of residents to be guaranteed, assumed or reinsured;
thereby assuring that the death benefits will be fully paid.
INVESTMENT POTENTIAL
Once capitalized with a financial commitment of 15 million dollars, the ACCRUAL RESERVE
will leverage-up the working capital of its original ram-up pool of structured REVERSE
ANNUITIES by systematically reinvesting its accrued receivables in additional REVERSE
ANNUITIES. This regimen assures consistent funding of new REVERSE ANNUITIES, accumulating
a dynamically expanding portfolio of retained earnings with the monetary propensity to
increase exponentially, accruing a profit of some 18 million dollars by the end of the fifth
year (e.g. a 26% IRR with an investment yield of 121%) [see: Figure 1].
FIGURE 1.
RETAIN ED EARN IN GS
ebit a
($ mil l io n s)
5 $18
4 $12
YEAR
3 $6
2 $2
1 $ 0 .6
REVERSE ANNUITIES are the income engine that drives this ACCRUAL RESERVE with their
collateralizing life-based insurance products underwritten with statutory assurances [see:
“Statutory Assurances”]. Accordingly, this protected 15 million dollar regimen engenders a
financial profile capable of ramping-up operations with over 200 REVERSE ANNUITIES. During
the ramp-up period3, the assimilated collateral will exceed an aggregate maturity value of 78
million dollars, increasing to an aggregate maturity value of 131 million dollars by the fifth
year [see: Figure 2].
3
The ramp-up period is defined as the period required to originate the initial tranche of Reverse
Annuities, which is expected to take approximately 3 months.
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5. POSTSCRIPT VENTURES, INC. CONFIDENTIAL FACTSHEET
INVESTMENT OVERVIEW
FIGURE 2.
C o l at er al C o v er ag e
($ mil l io n s )
EXC ES S C O L L ATERAL $94
O UTS TAN D IN G AN N UITIES
$74
$71 $69 $70
`
$41
$35
$26
$16
$7
1 2 3 4 5
Yea r
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6. POSTSCRIPT VENTURES, INC. CONFIDENTIAL FACTSHEET
THE REVERSE ANNUITY TRANSACTION
7.
Debt
Obligation
payments
AUTHORIZED
FIDUCIARY DESIGNEE 6.
Death
benefit
payments
INVESTOR OWNED
4. 8.
ACCRUAL 2. 5.
remaining INSURANCE
Convey Monthly Interest
RESERVE Annuity Payments Settlement CARRIER
1. Policies
Advances payments
Pledge
Settlement
Benefits
SENIOR ANNUITANT'S
ANNUITANT BENEFICIARIES
3.
Reverse
Annuity
Indentures
THE REVERSE ANNUITY INDENTURE
REVERSE ANNUITIES are highly leveraged and fully collateralized investment transactions,
individually perfected through officially recorded REVERSE ANNUITY indentures which empower
eligible seniors to financially access the current equity in their conveyable life-based
insurance products. The indentures provide senior with monthly Annuity Advances for the
remainder of their life. Every indenture is configured as a first-priority accruing debt
obligation of a senior recipient, consisting of fixed monthly Annuity Advances paid to the
senior, and serviced with compounded monthly interest obligations paid to the ACCRUAL
RESERVE with the entire accrued debt obligation under the indenture paid to the ACCRUAL
RESERVE directly from the guaranteed cash proceeds of the pledged Settlement Benefit.
HEALTH-RISK PROFILE
Most insureds whose policies qualify for inclusion as collateral in official REVERSE ANNUITIES
are required to fit a general health-risk profile. They must be 70 years of age or older and
diagnosed with impaired health conditions due to a downturn in wellness after originally
being insured. Accordingly, diligent screening and reliable medical evaluations coupled with
conservative actuarial analysis and appropriate fiscal assessments will effectively ensure
that only acceptable insurance products are identified as collateral for REVERSE ANNUITIES that
are officially granted by the REVERSE ANNUITY PROTOCOL.
TRANSACTIONAL CLASSIFICATION
REVERSE ANNUITIES are similar in framework to reverse mortgage transactions, except for the monetary
results generated by their respective pledged collateral. While both classifications are mortality-based
collateralized funding transactions that are enhanced with government guarantees, REVERSE ANNUITIES
are financially superior debt obligations with monetary benefits engendered by a far more dependable
and less volatile pledged asset class. Unlike residential real estate liquidations which are susceptible to
unpredictably adverse occurrences4, each Settlement Benefit is always equal to the pledged life-based
insurance product’s Face Value, regardless of prevailing economic circumstances.
4
Real estate investments are consistently impacted by arbitrary economic factors, e.g. an unstable real estate market riddled
with mercenary derivative schemes and volatile property values, unavoidably coupled with escalating real estate taxes,
unanticipated property deterioration, endless maintenance and upkeep, etc., and the continuous uncertainty of erratic
demographics and impetuous overbuilding, zoning, environmental changes and natural disasters.
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7. POSTSCRIPT VENTURES, INC. CONFIDENTIAL FACTSHEET
SAFEGUARD REGIMEN
THE PROTECTED CASH-FLOW ENVIRONMENT
PSV’s SAFEGUARD REGIMEN provides comprehensive administration of the REVERSE ANNUITY
PROTOCOL under which independent professional entities manage and conserve the
transparent accrual of individually structured REVERSE ANNUITY transactions, preserving their
lucrative earnings in an entirely protected cash-flow environment.
INVESTORS
2
1
Investors deposit
Program
funds to capitalize
Coordinator
the ACCRUAL
licenses Investors
RESERVE
to own an
ACCRUAL
RESERVE
PROGRAM FIDUCIARY
6
COORDINATOR INVESTOR OWNED DESIGNEE
Fiduciary
CERTIFIED ACCRUAL Designee
3 RESERVE conducts all
Program
monetary
Coordinator
activities for the
assists in
ACCRUAL
establishing the
RESERVE
ACCRUAL
RESERVE for the
Investors
4 5
Program Coordinator Annuity Provider
establishes REVERSE originates and
ANNUITY funding administers all REVERSE
Parameters ANNUITIES for the
6
ACCRUAL RESERVE
Actuarial
Specialists
conduct analysis
of prospective
REVERSE ANNUITIES
ANNUITY ACTUARIAL
ADMINISTRATOR SPECIALISTS
COMPOSITION OF THE SAFEGUARD REGIMEN
Postscript Ventures, Inc. (PSV) will oversee the SAFEGUARD REGIMEN performance which will
be contractually undertaken by the folowing professional Authorized Entities that will be
compensated for their services only with performance based fees:
ANNUITY PROVIDER – Appointed by PSV, the Annuity Provider is an independent service
entity that is staffed with industry specific specialists responsible for originating and
servicing all REVERSE ANNUITIES for the financial benefit of the licensed owners of the
REVERSE ANNUITY PROTOCOL.
ACTUARIAL SPECIALISTS – Appointed by PSV, independent Actuarial Specialists will
augment the process by conducting an analysis of the actuarial composition of the
prospective REVERSE ANNUITIES.
FIDUCIARY DESIGNEE – Appointed by the PROTOCOL’S registered owners, the Fiduciary
Designee is an established financial entity responsible for monetarily servicing all
REVERSE ANNUITIES on behalf of the PROTOCOL’S registered owners, the senior
recipients, the seniors’ beneficiaries, Annuity Provider and PSV.
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8. POSTSCRIPT VENTURES, INC. CONFIDENTIAL FACTSHEET
PROGRAM COORDINATOR
POSTSCRIPT VENTURES, INC.
Postscript Ventures, Inc. (PSV) is a financial services organization incorporated under the
laws of the State of Delaware. Its department of financial strategists possesses significant
domain expertise in the development of innovative capital resource strategies. Since 1976,
they created proprietary capital resource strategies for the following organizations: (i)
ENERGY: AT&T, U.K. Atomic Energy, Atlantic Richfield, Baker Oil, Cities Service, Dowell
Schlumberger, Exxon, Pennzoil, Plough, Phillips Petroleum, Shell Oil; (ii) TECHNOLOGY: Litton
Industries, ITT Distributors, Xerox, Boeing, Bell Telephone Laboratories, W. W. Grainger,
General Motors, Otis Elevator, Duracell, British Aerospace, Ingersoll-Rand, American Honda,
Control Data, Bell Aerospace Textron, Hughes Aircraft, Panasonic, Westinghouse, Western
Electric; (iii) UTILITIES: Tampa Electric, New York Telephone, Puget Sound Power & Light,
Florida Power & Light, Central Telephone & Utilities, General Telephone & Electronics,
Michigan Bell Telephone, New England Power & Light, Kansas Power & Light; (iv) CONSUMER
PRODUCTS: Nestle, Kraft Foods, Coming, Kimberly-Clark, General Foods, Winn Dixie Stores,
Sears Roebuck, Johnson & Johnson, Bristol Myers, Seagram, British American Tobacco,
Kmart, Avon Cosmetics, Coca-Cola Bottling; (v) FINANCE: American Express, Chemical Bank,
Chase Manhattan Bank, Citizens & Southern National Bank, Citibank, E.F. Hutton, European
American Bank, London Stock Exchange, Merchants National Bank, Salomon Brothers, Swiss
Bank Corp., Shearson/Lehman, MasterCard, State Street Bank, Manufacturers & Traders
Trust; (vi) INSURANCE: Title Insurance & Trust, Travelers Insurance, Nationwide Mutual
Insurance, Farmers Group, Sentry Insurance, The Continental Group and (vii) MEDIA: New
York Times, CBS, Newsweek.
Since 2002, PSV has specialized in originating turnkey wealth accummulation initiatives
containing lucrative capital resource strategies, augmented with extensive risk management
oversight embodying effective asset custodial safeguards combined with qualitative fiduciary
controls. PSV licenses its turnkey wealth accummulation initiatives to financially qualified
investors seeking protracted monetary growth through professionally implemented turnkey
undertakings. PSV applies proprietary financial modeling and procedural documentation
accompanied with technical support to facilitate the diligent operation of its market-
responsive financial undertaking.
PSV designed the REVERSE ANNUITY PROTOCOL as a protected income/growth initiative
which generates substantial long-term earnings for investors willing to fund individually
structured REVERSE ANNUITIES that provide meaningful financial assistance to senior
recipients. The PROTOCOL engenders a secure business environment in which to issue,
service and accumulate individually structured lifetime REVERSE ANNUITIES for eligible senior
recipients through an entirely analytical funding discipline.
REVERSE ANNUITIES were created by PSV as a purely financial concept that provides lifetime
financial assistance to seniors Retirees. They are systematically accumulated under the
statistical constraints of the PROTOCOL’S actuarially responsive assessment regimen, which
is completely administered by Authorized Entities for the sole financial benefit of the
ACCRUAL RESERVE registered owners.
PSV will oversee the analysis of applicant information collected by the Annuity Provider, and
together with the requisite investment yield of the ACCRUAL RESERVE’S owners, determines
the future stream of endurable lifetime Annuity Advances that each collateralizing insurance
product can support. Once underwriting standards, eligibility criteria and regulatory
compliances are satisfied, PSV will review the pending transactions to ensure that the yield
horizon of the ACCRUAL RESERVE will be met by the collateralizing insurance product. PSV
will establish a valuation profile for each prospective REVERSE ANNUITY and furnish the
Annuity Provider with suitable offers to be extended to each approved senior applicant.
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