To Whom it May Concern:

This is to certify that on this date, July 20th, 2015, I was presented the idea and concept of how Long Term Care issues might affect me in the future. I was made fully aware of the financial risk to my portfolio, to my retirement income and to my family. I was offered several possible solutions to the potential risk including but not limited too:

•  Long Term Care Insurance
• Hybrid Life Plans that cover Long Term Care
• Hybrid Annuity Plans that cover Long Term Care

At this time I have decided not to move forward with any of the options presented to me.

This letter and my decision not to move forward will serve as my release of my advisor from any liability for this decision.

Respectfully,

______________________                   ______________

(signature)                                           (date)