AMORTIZATION CALCULATOR

Gateway Financial and/or its agents, Beth Lang*, Anthony M. Perricelli*, David J. Malone* (California Insurance License Number 0C26326), Samuel S. Zacharias* (California Insurance License Number 0E48863) and John S. Zacharias* are presently licensed to sell traditional life insurance in the following states: Arizona, California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Washington, and West Virginia.

NOTE: Gateway Financial Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance service. Variable life and annuity products, as well as other securities products, may be sold in the following states: California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Iowa (securities only), Maryland, Massachusetts, Michigan, Minnesota, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Washington, and West Virginia. Securities products are offered to residents of the above listed states. Residents of other states should consult with a local registered representative for securities products.

* Registered Representative Offering Securities Through M Holdings Securities, Inc., A Registered Broker/Dealer, Member NASD and SIPC.
Gateway Financial is independently owned and operated.
Proper state registration is mandatory prior to conducting business in that state.
This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review.