National Life Group vs NoteHarbor Deal Stack

The National Life app gives you secure access to your NLG Life Insurance and Annuity, on the go. It's the must-have partner for your policy. Save time with the app: o Access your policies, together in one place. o View coverage, values, benefits and more. o Have a loan? Quickly look up details like balances and interest. In just a few taps, you can: o Make a premium or loan payment. o Set it and forget it with autopayments. o View a history of your transactions and stop wondering if you paid your loan last week. But wait, there's more: o Easily access your agent's contact info. o Sign up for text and email alerts. o All the secure login features you'd expect, like Touch ID and Face ID. NOTE: To login to the National Life app, you must have an active policy. Register your account in the app or at nationallife.com. National Life Group is a trade name of National Life Insurance Company (Montpelier, VT) and its affiliates. TC99083(0318)P

NoteHarbor Deal Stack is an offline creative finance calculator for real estate investors, seller finance professionals, and deal analysts. Six deal structures, one projection engine: • Subject To: analyze the existing loan, optional seller carry, cash to control, and operating return. • Wrap and AITD: project the wrap and underlying loan together, including the changing equity spread and balloon warnings. • Rental: model NOI, cash flow, cap rate, cash on cash return, and DSCR. • BRRRR: see refinance proceeds, cash left in, and stabilized returns. • Fix and Flip: calculate profit, ROI, holding interest, and maximum allowable offer. • Wholesale Assignment: solve the assignment fee forward or work backward from the buyer numbers. Every result includes a clear headline, plain language context, and shareable output. The free tier includes all six structures and the signature wrap dual amortization chart. Deal Stack Pro adds larger capital stacks, mid-deal events, full timelines, Exit Lab IRR analysis, exact reverse solves, exports, and no ads. The engine uses integer cents, standard statement rounding, financing-free NOI, and shape-based balloon detection. There are no accounts and no login. Deal inputs and saved deals remain on your device. The free mobile tier is ad supported. Deal Stack Pro is a one time $6.99 purchase. When you're ready to service real notes — track payments, escrow, payoffs, statements, 1098s, and borrower portals — visit usenoteharbor.com.