The document discusses a company called FFS that aims to help families achieve financial security and build wealth through various financial products and services. FFS provides an opportunity for individuals to build their own business with the company with no major investment, franchise fees, or risk of job loss. The company educates customers on financial concepts like compound interest and maximizing tax advantages to help them better understand how to protect and grow their savings over time.

2. A Company of Destiny Our Mission To create wealth for families Whether the goal is, saving for retirement, protecting your family or building tremendous wealth, FFS is totally committed to helping you make your dreams come true. Our System The vehicle that will allow us to succeed The FFS Business Building System gives our leaders a proven, predictable, and profitable turnkey plan for building and running a successful business. Our Vision To lead the 21 st century financial revolution FFS is determined to improve the saving habits of today’s families by bringing them the latest in financial services concepts and products. This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.

3. A Company of Destiny We are uniquely positioned to achieve our Vision and Mission. Why are we so confident? • Innovative, Consumer-Oriented Products • Revolutionary Compensation System • Leadership & Track Record Business Building System Strategic Alliances • World-Class Recognition & Reward System This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.

4. Problems Facing Americans Today Debt Trap U.S. consumer debt has doubled over the past ten years, with the average debt at $18,700 per U.S. household [excluding mortgages]; bankruptcy filings are estimated to have topped 1.8 million in 2005. 1 Lack of Security If you died tomorrow, your family could face financial devastation. The average death claim paid by the insurance industry in 1999 was $15,130. 3 Poor Savings Habits Today, savings rates are at their lowest levels since the Great Depression. For the first time since 1933, savings rates fell into negative territory at -0.5% in 2005. Americans either dipped into savings or increased their borrowing. 2 Retirement Woes Most Americans retire in poverty. According to the U.S. Census Bureau, 73.8% of Americans 65 and older retire on a combined income of private pension and Social Security of $10,000 or less a year. 4 1 Timothy Egan, “Debtors in Rush to Bankruptcy as Change Nears”, The New York Times Online, August 21, 2005. 2 Martin Crustinger, “Savings Rates at Lowest Levels Since 1933”, Associated Press, January 30, 2006. 3 Statistical Compilation of Annual Statement Information for Life/Health Insurance Companies in 1999* NAIC, 2000 4 Social Security Administration, 1996. Use for recruiting purposes only. Rising Cost of Living If you and your spouse earn $100,000 a year and want to retire in 18 years, with average inflation of 4%, you will need a little more than $200,000 a year to equal your current income of $100,000. Without the proper financial knowledge and tools, many families have given up on their dreams and feel that their financial future is hopeless.

5. Lifestyle Change Take a look at where you are today. Are you in a position to… This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only. Significantly increase your income? Retire your spouse? Build the house of your dreams? Spend more time with your family? Take vacations at the dream destinations of the world? Control your own destiny? Are you where you want to be?

6. FFS offers you a risk-free opportunity to build a business of your own with… Lifestyle Change No Major Investment No Franchise Fees No Loss of Job Security No Experience Required This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only. No Inventory Unlimited Territory Unlimited Opportunity The FFS opportunity is for everyone: Part-time Second Income Earner Personal Producer Business Builder Be in business for yourself not by yourself.

7. At FFS we educate and inform to help families achieve financial security. We teach “The Real Secrets of Money.” TM Educate and Inform This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only. Protect your savings from loss and provide for upside potential. Put compound interest to work for you – not against you. Maximize use of tax-advantaged savings and income opportunities. Re-direct money you are already spending / saving to create new money to save.

8. TIC-TAC-TOE Use for recruiting purposes only. How Money Works Safety of Principal Fixed Products 3% to 5% Risk of Principal Equity Products Upside Potential Indexed Products

9. $100,000 Invested in 1997 This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only. The above graph is for recruiting purposes only and does not reflect any particular product or investment. Index Account assumes annual point to point with a 7% cap. Large company stock numbers provided by Yahoo Finance and calculated by FFS. Results may vary. Protection & Potential Many people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both. How Money Works $150,000 $140,000 $130,000 $120,000 $100,000 $160,000 $170,000 $90,000 $110,000 Indexed Account Large Company Stocks 8/1997 8/1998 8/1999 8/2000 8/2001 8/2002 8/2003 8/2004 8/2005 8/2006 8/2007 8/2008 8/2009 $149,937 $126,925 $139,237 $95,529 $115,449 $117,435 $129,330 $152,488 $133,977 $103,775 $134,631 $105,012 $114,490 $122,504 $122,504 $140,255 $155,476 $166,359 $150,073 $131,080 $107,000 $166,359

10. How Money Works Compound Interest-The Rule of 72 Simply divide the number 72 by your expected rate of return to determine the number of years it will take your money to double. 65 $640,000 59 $320,000 53 $160,000 65 $160,000 47 $80,000 56 $80,000 65 $80,000 41 $40,000 47 $40,000 53 $40,000 35 $20,000 38 $20,000 41 $20,000 29 $10,000 29 $10,000 29 $10,000 Money doubles every 6 years Money doubles every 9 years Money doubles every 12 years Age 12% Age 8% Age 6% 65 $40,000 47 $20,000 29 $10,000 Money doubles every 18 years Age 4% “ The most powerful force in the universe is compound interest.” 1 - Albert Einstein "The person that understands compound interest will earn it. The person that does not will pay it!“ 2 - Albert Einstein 1 richnow.wordpress.com Secrets of the rich revealed, Don’t ignore The power of Compound Interest, Dec.6, 2006 2 Ibeatmybank.com/see_how_it_s_done.html

11. How Money Works Tax Deferred Accumulation Tax Free Distribution Tax Deductible Contribution Which would you choose? You can only get two of the three! Let’s take a look at two brothers who chose differently. FFS nor any of its associates offer tax advice. Please consult with your tax professional. Use for recruiting purposes only. Maximize Your Tax Advantages

12. Our story begins with two brothers age 35, married with two children. Both are saving the same amount of money , earning the same 8% interest rate, for the same period of time. A Tale of Two Brothers Who made the right decision? Brother “A” Believes in “The Old Way” Save for retirement in qualified accounts, receive tax deduction and pay taxes later. Brother “B” Believes in “The New Way” Save for retirement in non-qualified accounts and receive tax-free income later. Brother “A” Brother “B” is a hypothetical example and is for illustrative purposes only. This is not a solicitation or offer to purchase any product. FFS nor any of its associates offer tax advice. Please consult with your tax professional. Example assumes tax rate of 25% on withdrawals, 33% tax rate for tax savings, 8% annual compounded rate of return using FFS Calculators, Retirement Needs. Use for recruiting purposes only. $ 0 contributions to 401(k) plus $ 0 employer match $ 7,200 annual premium $ 600,000 Life Savings Account (LSA) $ 6,520 contributions to 401(k) plus $ 1,050 employer match $ 680 annual premium $ 600,000 30-year term

13. Results After 30 Years Brother “A” Believes in “The Old Way” Save for retirement in qualified accounts, receive tax deduction and pay taxes later. Brother “B” Believes in “The New Way” Save for retirement in non-qualified accounts and receive tax-free income later. Brother “A” Brother “B” is a hypothetical example and is for illustrative purposes only. This is not a solicitation or offer to purchase any product. FFS nor any of its associates offer tax advice. Please consult with your tax professional. Example assumes tax rate of 25% on withdrawals, 33% tax rate for tax savings, 8% annual compounded rate of return using FFS Calculators, Retirement Needs. Use for recruiting purposes only. It’s not how much you make. It’s how much you keep! A Tale of Two Brothers $ 858,000 401(k) $ 858,000 total retirement savings $ 65,000 cumulative tax savings $ 0 term insurance. ($12,000 annual premium to replace) $ 709,000 total retirement savings $ 0 cumulative tax savings $ 864,000 LSA death benefit $ 709,000 cash value LSA

14. Brother “A” Believes in “The Old Way” Save for retirement in qualified accounts, receive tax deduction and pay taxes later. Brother “B” Believes in “The New Way” Save for retirement in non-qualified accounts and receive tax-free income later. Which plan makes you feel more financially secure? Brother “A” Brother “B” is a hypothetical example and is for illustrative purposes only. This is not a solicitation or offer to purchase any product. FFS nor any of its associates offer tax advice. Please consult with your tax professional. Example assumes tax rate of 25% on withdrawals, 33% tax rate for tax savings, 8% annual compounded rate of return using FFS Calculators, Retirement Needs. Use for recruiting purposes only. A Tale of Two Brothers Results During Retirement In 9 years, at age 74, Brother “A” runs out of money! $ (32,335) tax $ 129,340 withdrawal from 401(k) $ 97,000 annual income If Brother “B” dies at age 100, he would have received $3,395,000 and left his family $3,036,000 all free of income tax! $ 0 tax $ 97,000 TAX-FREE loans via LSA $ 97,000 annual income

15. Revolutionary Compensation FFS allows people from all walks of life the opportunity to build a business with… A complete training program that allows you to “earn while you learn,” Great personal production contracts from 30-90%, Incredible Infinity Builders Plan with revenue spreads as high as 60% on new Associates you bring into your business, and Six generations of overrides on your RMDs and up You are truly building a business within a business. This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.

16. GENERATIONAL OVERRIDES are earned once you become an RMD or higher and are based on what “generation” a leader is to you. For example, an RMD who personally reports to you would be a 1 st Generation and an RMD who reports to him/her would be a 2 nd Generation to you and so on. Generational Overrides are paid in addition to infinity overrides. All FFS Compensation plans and Promotion Standards are subject to change without notice. Commissions based on gross field payout. To ensure quality growth throughout our organization, all RMDs must validate for their position by maintaining the minimum leader legs and production points required for that promotion level. The validation period for RMDs and up is a rolling 12 month period. No more than 1/3 of promotion point credit can come from any one leg’s production. A recruit leg counts if they have joined FFS, holds a valid insurance license in their resident state, and becomes appointed with FFS preferred companies. Production requirements are Super Team RMD Base thru 6 th Generation closed points AV. FFS pays 100% of gross commissions on all products to the field. FFS is a financial services company marketing various insurance products throughout the U.S. To represent or earn a commission from FFS, you must be properly licensed and appointed in your state. The examples in the brochure are for recruiting purposes only and are not a solicitation of any product. **See current Company Override Pool, Diamond Club Pool, and SEFC Bonus Pool guidelines for complete details. Revolutionary Compensation

17. Revolutionary Compensation What would this type of part-time income mean to you? Get started today building your business: Open 1 LSA per month for $200 monthly $ 1,200/mo .* Open 4 LSA’s per month for $200 monthly $4,800/mo .* Open 1 Life Savings Account per month and save the money for retirement over 30 years**… @ 8% = $1,643,353 Where else can you make this kind of money part-time? Great Part-time Opportunity The above hypothetical commission example is for illustrative purposes only to show the potential of the FFS compensation system and assumes the leader has earned the Senior Associate contract. This example is based on the gross field payout of $2,400. This program is only available to the sales force of First Financial Security. First Financial Security pays 100% of gross commissions to the field. To receive a commission one must hold a valid insurance licensed. All commission plans subject to change without notice. There is no assurance that results can or will be achieved. Income is earned from the sale of FFS-authorized products and services. No income is earned from recruiting. ** If you save your part-time income over a 30-year period of time, this is the potential income based on the hypothetical rates of return, illustrated above.

18. FFS Builders Compensation Infinity Builders Plan You become an RMD Leader and build a team: Open 4 LSA’s a month personally... $6,144/mo . Build 5 Associates who each open 2 LSA’s a month... $8,160/mo . The FFS Field Training program solves your biggest potential problem, prospecting, in addition to increasing your cash flow. Field Train 3 new Associates on 5 sales each... $23,040 additional mo. income The Power of Field Training The above hypothetical commission example is for illustrative purposes only to show the potential of the FFS compensation system and assumes the leader has earned the RMD contract and has five associates in the base. This example is based on the gross field payout of $2,400. This program is only available to the sales force of First Financial Security. First Financial Security pays 100% of gross commissions to the field. To receive a commission one must hold a valid insurance licensed. All commission plans subject to change without notice. There is no assurance that results can or will be achieved. Income is earned from the sale of FFS-authorized products and services. No income is earned from recruiting. Use for recruiting purposes only. RMD Associate Associate Associate Associate Associate Base Shop Income $14,304/mo .

19. FFS Builders Compensation You become a NMD leader and build 6 RMD Leaders direct: Base Shop income... $ 18,336/mo. 6 direct Leaders producing the same volume $ 30,240/mo. This is over $580,000 per year income using only one of many product lines. The above hypothetical commission example is for illustrative purposes only to show the potential of the FFS compensation system and assumes the leader has earned the NMD contract and has five associates in the base and six direct RMDs. This example is based on the gross field payout of $2,400 This program is only available to the sales force of First Financial Security. First Financial Security pays 100% of gross commissions to the field. To receive a commission one must hold a valid insurance licensed. All commission plans subject to change without notice. There is no assurance that results can or will be achieved. Income is earned from the sale of FFS-authorized products and services. No income is earned from recruiting. Use for recruiting purposes only. Infinity Builders Plan Total Income $48,576/mo. RMD RMD RMD RMD RMD RMD NMD

20. Leadership, Track Record, Business Building System FFS has assembled an experienced team of leaders with unequaled track records of building successful businesses, developing great leaders, and creating industry-leading marketing organizations worldwide. In the 1980’s and 1990’s, many of our leaders helped build two industry- leading marketing organizations using the exact same business building system we use today. These two marketing organizations forever changed the financial future for millions of American families. FFS is perfectly positioned to be the opportunity of a lifetime. At the center of the FFS business building plan is the Business Building System. This turnkey approach allows you to build a business that is: • Proven • Predictable • Profitable You run the system and the system runs your business.

21. Strategic Alliances First Financial Security Inc., one of the nation’s fastest growing financial services companies, has strategic relationships with world-class financial companies who offer diversified product portfolios that include a broad range of simple, yet powerful, consumer-oriented products. These concepts and products help people take charge of their family’s future. This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.

22. Recognition and Reward System FFS will recognize our greatest leaders with everything from custom diamond-studded promotion pins, Super-Bowl type rings and world-class trips to the destinations of the rich and famous. Join First Financial Security, and see the world! This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.

23. Get Started Today FFS...educating today’s consumers on “ The Real Secrets of Money.” TM This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only. Take the next step: Join the FFS Crusade. Set an appointment with your RMD, and get off to a fast start. Complete a Real Secrets of Money Data Form so we can establish the proper LSA for your situation. Begin at once to change the rest of your life.

24. First Financial Security, Inc. • 11330 Lakefield Drive, Bldg. II, Suite #200, Duluth, GA 30097 • 770-814-4222 • FirstFinancialSecurity.com © 2006 First Financial Security, Inc. FFS009_4.6