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888-778-1437 Pro Athletes: Cash flow Hungry? Does professional athlete make good money? You bet. For informational purposes let's review the relationship between the NFL and NFL players. For 2009-10 average salary by team was from $1.4 million for Kansas City Chiefs to $2.47 million for the New York Giants. The average player salary for the 2009-10 season using USA Today's numbers is $1,870,998 ► How are players get paid? Every player on the roster gets paid, even if he doesn't play, but they get paid only during the play season. That means that in the out of season time there is no cash coming in. As anyone else, players have deductions taken from their paychecks. There are taxes, insurance and benefit plan deduction, but even after all the deductions there is a substantial cash flow for a player during the season. ► What if a player gets hurt? The standard player contract calls for all injured players to be paid in full through the end of the season in which they are injured. If a players injured during training camp, he will be compensated as well. If a player subsequently released, he can file a grievance against the club with the Players Association and teams usually reach injury settlements with players injured during training camp. ► Restrictions There are in addition some restriction that may be considered as a breach of contract for an NFL player 1. Participating in activities other than football that present a significant risk of personal injury. 2. NFL players require to always conduct themselves in a way that shows they are in recognition "of the fact that the success of professional football depends largely on public respect for and approval of those associated with the game." Regardless of a substantial income, Many NFL stars have made headlines because of their financial problems. Let's analyze the situation. ► Our research shows: 1. Players get paid only during the play season. 2. In many cases players are not able to do short and long term financial planning, put aside some cash and save for the future. 3. Many players go out and buy expensive things: cars, houses, jewelry, etc. not always taking into consideration their real financial situation. If there is a short term cash flow troubles, Universal Business Structured Solution can help pro athletes to solve their short term financial problems and provide them with a loan against their future contract payments. Yury Iofe, MBA Universal Business Structured Solution 888-778-1437

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