Capital Growth Planning, Inc. (“CGP” or “the Company”) was established in 1969 as a diversified financial services corporation. CGP is the parent company of eight wholly-owned subsidiaries that collectively have developed multiple investment, insurance, banking, and other financial products and programs (“Financial Structures”) designed to take advantage of the significant revenue opportunities to be realized in specific niches within the broker-dealer securities market, the registered investment advisory market, the life insurance market, the life settlement market, the qualified institutional market, and the financial institution and/or banking market.  Through its subsidiaries, the Company is directly involved in the development and servicing of products and programs designed for “principal protected” investment and securities programs, structured yield and Fund products, traditional and non-traditional premium finance life insurance products, structured life settlement sourcing, qualified institutional product placement and structures, and more recently financial institution and/or banking products. The Company’s primary role is managing its subsidiary companies while developing, promoting and marketing these highly specialized, exclusive, and/or proprietary Financial Structures. Many of these products are specifically designed for partnership programs, product joint ventures, wholesale distribution, and/or syndication, while others are designed for co-venture sales, wealth management, and/or retail banking. CGP primarily focuses on products and services that are innovative, structurally sophisticated, and conducive to specific market niches that currently have little or no product/service representation.

The following companies make up CGP’s eight wholly-owned subsidiaries:

Capital Growth Resources ("CGR") was formed in 1980 as a securities Broker-Dealer and is a member of the Financial Industry Regulatory Authority (“FINRA”) and Securities Investor Protection Corporation (“SIPC”).  CGR is also a member of the National Investment Bankers Association (NIBA) and Financial Services Exchange (FSX). CGR transacts and/or provides a full range of investment products, placement agent services, and investment banking services to a diverse group of clients.  In addition to these services, CGR will act in a placement agent capacity for transactions utilizing the Company’s proprietary Life Insurance Backed Collateral (“LIBAC^SM”) structures and Life Insurance “Contract-Backed” Securities (“LICBS”) products.  These structured products are designed to either protect invested principal against loss in an investment transaction or to provide a “principal protected” higher than market yield to investors.   CGR is currently working with several investment banking groups to structure these products to be utilized in an offering memorandum, joint venture, or partnership program.

Capital Growth Planning Advisors, Inc. ("CGPA") was formed in 1985 as a Registered Investment Advisor firm with the California Department of Corporations. This firm allows the Company to provide complete and comprehensive fee based financial planning to clients, and also allows the Company to provide fee based product management services and/or product structure participation. Fee-based planning clients receive a professionally prepared financial plan that is updated periodically in response to changes in market conditions, tax laws, and other needs.

Capital Growth Insurance Services, Inc. ("CGIS")  was formed in 1986 and works with contracted agencies and agents in a wholesale brokerage agency capacity.  CGIS and its Managing Agency Partners have developed several highly marketable and “exclusive” premium financed life insurance product structures, which allow its contracted agencies and agents to implement a full line of life insurance product solutions for their individual, corporate, business, non-profit, and/or estate planning clients.  Its programs utilize the most up-to-date premium finance techniques available in the marketplace for clients with a net worth of $2 million or higher (excluding personal residence). CGIS has also contracted with multiple carriers, offering numerous insurance products, including Term, Whole, Universal, Index “Linked” & Variable Life, Long Term Care, and/or Disability Insurance, as well as Fixed, Multi-purpose, Index “Linked” & Variable Annuities.  The Company’s agents will always try to recommend Life Insurance Carriers that meet the highest rating standards from Standard & Poor’s (“S&P”), Moody’s and/or Duff & Phelps.

Capital Growth Realty, Inc. ("CGRI") was formed in 1978 as a full service real estate brokerage firm. CGRealty allows its agents to represent and service clients in all types of real estate transactions, including a full line of traditional mortgage products and Trust Deeds. This firm also allows its agents to counsel and provide clients with reverse mortgage strategies and 1031 “tax neutral” real estate exchange solutions.

Capital Administrative Services, Inc. ("CAS") was formed in 2007 to provide trust administrative services to its insurance trust clients. CAS will assist in the administrative management of Trust assets placed within or owned by revocable and irrevocable insurance trusts under the Company’s LIBAC^SM and LICBS structured product programs. CAS is a fee based company whose services may be contracted by individual or business clients for specialized trust planning and administrative services.

Capital Life Assets, Inc. ("CLA") was formed in 2007 to source and/or acquire life settlement policies for its own portfolio and/or for subsequent resale.  This Company is also involved in sourcing policies for LIBAC^SM and LICBS structured product programs. As CLA increases its foothold in the life settlement market, it may move toward becoming a licensed life settlement broker, provider and/or aggregator.

Insured Capital Management, Inc. (“ICM”) was formed in 2007 to serve as a corporate managing member of several planned “fully collateralized” and “yield” driven LLC securities transactions that use the Company’s LIBAC^SM and LICBS” structured product programs.  In most cases, these planned transactions will be syndicated and placed through the Company’s Broker-Dealer.

Life Funding Partners, Inc. ("LFP") was originally formed in 1985 as Capital Growth Pension Coordinators, Inc. (“CGPC”) and formerly specialized in pension related services.  In 2005, CGPC changed its name to reflect its new business operations; namely, interim financing of life insurance premiums through Company co-sponsored premium financed programs.  LFP has plans to develop its own premium finance life insurance sponsored structures for the permanent traditional coverage (ages 40-70), Senior originated coverage (ages 70-85), and collateralized corporate owned coverage (all ages) through traditional bank financed “partnership” programs.

The following companies make up CGP’s two Affiliated Companies:

Capital Protection, Inc. ("CPI") was formed as an “Affiliate” company in 1998 to provide trustee services for investment programs.  Its primary function is to act as a loan servicing agent and/or corporate trustee for investment lenders.  CPI fulfills the obligations and responsibilities of a trustee under Indentured Trust Offerings and as the loan servicing agent under fractionalized loan Offerings.

CGP Founders Group, LLC ("Founders Group") was originally formed as an “Affiliate” company in January 2009 for the purpose of raising initial seed capital to finance the formation of a new (“De Novo”) CGP bank affiliate. This was put on hold after the banking market collapsed and the FDIC withdrew FDIC insurance for new De Novo banks. It is still CGP’s intensions to form or purchase a bank for the purposes of introducing its financial institution and banking oriented products.