The document provides an overview of Entaire Programs, which are financed retirement planning programs for business owners. The programs allow business owners to accelerate retirement funding using business assets. Business owners make interest payments on a loan while their retirement funds grow tax-deferred. This can provide better returns than traditional retirement plans. The overview includes an example case study of a business owner who implements a program to fund $600,000 in retirement savings through a loan from his business.

1. Entaire Programs Overview Rev. Date 8/18/2009

3. Who Entaire Programs are for: Business Owners

5. Startup Growth Expansion Maturity Limited Excess Money Excess Money Reinvested Excess Funds Available Cashing Out Phase Phases of the Entrepreneurial Business

6. Government Mandated Restrictions Retirement Health The Entrepreneur’s Dilemma: Restrictions

8. What the Programs are: Financed Planning™

9. Note: Hypothetical results for illustrative purposes only and not a representation of past or future results. $500K 0 Years $500K 10 Years $500K 20 Years $500K 30 Years The Rule of 72 How long does money take to double? Divide 72 by the assumed rate, the result is the number of years until a sum doubles. Assumptions : Net Book Value of Business - $500K Rule of 72 Interest Rate – 7.2% $500K $1M $2M $4M

10. Note: A hypothetical crediting rate of 7%. Represents approximations and should not be relied upon as tax or investment advice. The performance of financial products fluctuate over time. The actual time to achieve any result cannot be predicted with certainty. Compressed Time Frame Concept Choice 3 - $500,000 only once X Today = $500,000 Choice 2 - $ 50,000 per year X 10 years = $500,000 Choice 1 - $ 16,667 per year X 30 years = $500,000 Accelerated Funding $2,860,393 $50,000 $3,808,127 $500,000 $1,684,584 $16,667 Today 30 Years

11. Compounding with Real Estate Asset Value = $500,000 $500k Mortgage 7% Interest-Only $35,000 annual cost 7% average annual growth over 20 years $500k Mortgage Asset Value = $1,934,842 $1,434,842 gross gain - $700,000 interest cost = $734,842 Net Gain Point A Point B Note: This is a hypothetical example, not indicative of actual results. Actual results will vary.

13. How the Programs Work: An Overview

14. Program Overview Product Funding Universal Life and/or Annuity Products Step 3 Transfer Method Your Business Step 2 You Your Business Global One Financial Commercial Loan Step 1

15. Application

17. Case Study: ABC Company

21. Equivalent Yield – Paul Smith ABC Company makes interest payments for the Entaire Program of approximately $40,500 annually. If the company were to distribute this amount to Paul directly, he would have to pay income tax at 35%, leaving him with $26,325 per year to invest. Paul’s investment of $26,325 per year for 13 years would have to earn an annual rate of return of 19.26% in order to provide the same annual income of $115,957 for 25 years.

23. Program Structure – Asset Protection Individual Level The product is owned by the individual, not the corporation. If the corporation is sued, the product is not its asset. Corporate Level We lend directly to the corporation, which by pledging certain assets, may diminish the attractiveness of law suits against the corporation. Product Level Product protection varies depending on state law. These laws define available protection regarding cash value and policy attachment by creditors.

24. Q & A

25. For more information contact Ronnie O’Dell 888-906-6661 [email_address] The Next Step