This document summarizes a marketing presentation for a financial services company called HBW. It promotes HBW's products like life insurance, annuities, and trusts which help build wealth. It highlights the growth opportunity in the industry given an aging population. Representatives can earn income from commissions on sales and build a business part or full-time with competitive products and support.

1. Real Hope, Real Opportunity Real Freedom for Real People

2. Who is Helping Build Wealth? Representing multi-billion dollar companies who provide Safety, Security and Value to our clientele. National Financial Services Marketing Organization dedicated to providing outstanding products and services for the growing under-served middle American consumer. A highly trained and competent Sales, Sales Management and Administrative staff that can provide you with the Tools necessary to prepare for and protect your financial future.

3. To Help Build Wealth for the vast under-served middle American consumer by offering quality financial products and services. The Products and Services we offer are designed to help people properly protect their families, while helping them reach their financial goals and achieve their dreams. The HBW Vision

4. Then why is it that most Americans retire in poverty? It’s not what you earn that counts, it’s what you keep. The median annual income for those age 65 and older is just $16,770* * U.S. Department of Commerce, February 2008 You’ll Earn a Fortune in Your Lifetime Average Income Over 40 Years Lifetime Earnings $25,000 $1,000,000 $50,000 $2,000,000 $75,000 $3,000,000

5. $2,000 Invested @ 8% for 20 Years = $9,322 Minus $3,000 for a New Refrigerator = $6,322 Net Gain >> How Money Works Quiz: Three Refrigerators have a Guaranteed 20 Year Life Span. If price was not an issue, which one would you choose? Choice A Choice B Choice C Today’s Cost $1,000 $2,000 $3,000 Replacement Cost $3,000 FREE FREE + $3,000 Refund

6. How Money Works How Money Doubles... The Rule of 72 72 ÷ % = Years to Double Money For example, if a 30 year old person made a one-time deposit of $2,000 in an account at 3%, it would double every 24 years. At age 54 that person would have $4,000, and at age 78 they would have $8,000. By using the rule of 72 as a guide, you can determine about how many years it could take to double your money at a certain rate of return. Be sure to consider the impact of taxes. The rule of 72, by itself, does not distinguish between before-tax, after-tax, or deferred tax rates or returns.

7. How Money Works Let’s Compare Results! Consider the same 30 Year old Person, and the same $2,000 One-Time Deposit This illustration is for hypothetical purposes only and does not represent any specific investment. “ The most powerful force on Earth is the power of compound interest!” Albert Einstein 72 ÷ 12% = 6 Years Age 30: $2,000 Age 54: $4,000 Age 78: $8,000 72 ÷ 3% = 24 Years Age 30: $2,000 Age 42: $4,000 Age 54: $8,000 Age 66: $16, 000 Age 78: $32,000 72 ÷ 6% = 12 Years Age 30: $2,000 Age 36: $4,000 Age 42: $8,000 Age 48: $16,000 Age 54: $32,000 Age 60: $64,000 Age 66: $128,000 Age 72: $256,000 Age 78: $512,000

8. The Enemies of Wealth and Accumulation Procrastination Poor understanding of how money works and the principles of compound interest Consumption Based Lifestyle High Personal Debt No Plan for the Future Not Properly Protecting What You Have >>

9. Procrastination Most people don’t plan to fail: they simply fail to plan. Procrastination is the mother of failure! What is The Problem? Few people understand how money works We do what our financial institutions tell us to do Many people choose a consumption based lifestyle creating little savings and large debt

10. This illustration is for hypothetical purposes only and does not represent any specific investment. $350/Month $750/ Month $1,800/ Month $5,600/Month What Procrastination Costs You Assuming your goal is to accumulate $1,000,000 by age 65 Based on a 7.5% return

11. Funny Banking Would you open an account with these terms? Bank keeps all deposits for the first two years After two years you will begin to earn 1%-4% interest There is an 8% penalty on withdrawals If you die, the bank keeps all your savings >>

12. Example: A 35 year old Husband, his Wife and 2 Children Buy Term And Save The Difference * Based on the current rates available to HBW as of 9/1/2010 **Example of actual client. Actual case was written in 2007 That’s a monthly savings of $65.00! Invested @ 7.5% for 30 years = $86,700 Permanent Existing Policy** Husband $38,000 Wife $50,000 Children $50,000 Monthly Premium $130 Example 30 Year Term* $500,000 $250,000 $10,000 $65*

13. Any Time a Loss of Income Would be Devastating! If you’ve had your Life Insurance policy for more than five years, you could easily be paying 30% to 70% more than you should be. Real Hope, Real Opportunity, Real Freedom for Real People! When Is There A Need For Protection? Young Children Dependents High Debt Home Mortgage Business Partnership Tax Advantage Accumulation Estate Wealth Transfer

14. We provide a Realistic, Affordable step-by-step plan to Help you Build Wealth Family Protection Accumulation Vehicles A Personal Financial Game Plan to Help You Achieve Your Goals We offer a free analysis of your financial situation that covers these key areas: Creating a plan that covers the important financial areas of your life would help you make better decisions, wouldn’t you agree? HBW Puts It All Together

15. Ask yourself some important questions... Where Do You Stand? Are you prepared for financial emergencies? Do you have a plan to eliminate debt? How much money will you need for retirement? Are you putting enough money away for retirement? Are you accomplishing your financial goals? Are you preparing for your children’s college? Are you properly protected against premature death? Are you happy with your present occupation? >>

16. Offering programs to maximize Family Protection, Reduce Debt and Accumulate Dollars The HBW Game Plan * Roth IRA’s. Unique Low-Cost Term Life Insurance Maximizing Family protection with minimal cash outlay creating more available accumulation dollars for a better future. Living Trusts Help clients create a plan, avoid Probate, keep their estates and assets private, and return full control of their assets. Debt Reduction Save thousands of dollars in interest and eliminate years of payments with our innovative approach to debt reduction. Tax Deferred Growth Diversification Federal Income Tax Free Withdrawals* Minimize Estate Probate Issues Tax-Advantage Products & Accumulation Vehicles* H elping B uild W ealth using…

17. How Are You Doing? What are you doing to make the next five years better than the last five years? Are you satisfied with your job? ...with your opportunities to advance? ...with the money you make and save? ...with your standard of living? >>

18. How Do You Plan To Change The Quality of Your Life? Lottery Your Job Inheritance New Business Opportunity >>

19. We’ve All Heard... “ Get a Degree.” “ Work Hard.” “ Don’t Rock the Boat.” “ Get With a Good Company.” “ We Will Take Care of You.” >>

20. Source: The Millionaire Mind, 2000 The Wealthy 1% Lottery / Inheritance 1% Physicians 9% Attorneys 10% CEOs / Presidents 16% Salespeople, Accountants, Teachers, Engineers, Architects, Housewives 32% Entrepreneurs 32%

21. At HBW, You Get the Best of All Worlds Very Competitive Products that Help Build Wealth Great Opportunity to Help Others Part or Full-Time Business With No Pressure to go Full-Time Immediate and Residual Income Passable to Qualified Heirs Be Part of a Winning Team! Step-by-Step System for Success Recognition, Trips, Incentives, and More! Huge Untapped Market >>

22. Source US Census Bureau Historical & Projected US Population 160,000 Agents Pop. 297 Million Agents And Population Projection Pop. 420 Million 60,000 Agents Year 2010 Year 2050 In 1970 there was one life agent for every 800 people. Currently there is one life agent for every 1,856 people. Assuming the 2% annual decline from the past three decades will continue and the projected population growth, there would be only 60,000 agents and a US population of over 420 million people. That equates to one life agent for every 7000 people. This is a very exciting prospect when considering the financial services industry as a career.

23. Am I making all the money I really want to make? If my income stopped tomorrow, what would happen? Is it important to build security with a business of my own? Am I ready to take charge of my financial future? Four Important Questions >>

24. The Three Ways To Make Money Work for Yourself Compound Your Money Compound Your Effort Only One Has Unlimited Potential >>

25. $10,000 a Day for 31 Days = $310,000 or... A Penny a Day Doubled for 31 Days Going Into Business For Yourself Long Term Rewards vs. Instant Gratification >> 25 $167,772.16 26 $335,544.32 27 $671,088.64 28 $1,342,177.30 29 $2,684,354.60 30 $5,368,709.10 31 $10,737,418.20 1 $0.01 2 $0.02 3 $0.04 4 $0.08 5 $0.16 6 $0.32 7 $0.64 8 $1.28 9 $2.56 10 $5.12 11 $10.24 12 $20.48 13 $40.96 14 $81.92 15 $163.84 16 $327.68 17 $655.36 18 $1,310.72 19 $2,621.41 20 $5,242.88 21 $10,485.76 22 $20,971.52 23 $41,943.04 24 $83,886.08

26. The Power of Compounding People >> 9 27 81 243 729 2187 3 Level 2 1 4 2 8 3 16 4 32 5 64 6 128 7

27. Eight Distinct Businesses Life Insurance Fixed and Indexed Annuities Debt Reduction Program Living Trusts Securities Investment Advisory Long Term Care Insurance Disability Insurance

28. Income Example With HBW AVP level 100%, Rep level 50% Life Policy: Male age 40 std. $350,000 female age 38 std. $250,000 = $712 x 4 = $2848 Premium Living Trust commission AVP 70%, Rep 35% of $500 Equity-Indexed Annuity $40,000 x 8% xAVP 90%, Rep 45% Income Example Helping two families per month, with just three of our eight lines of business! Line of Business Rep AVP Term Life $1424 $2848 Indexed Annuity ($40,000) $1440 $2880 Living Trust $350 $700 Total Per Month $3214 $6428

29. HBW Is Looking For Individuals Who... Who Would Like to Become Financially Independent Who Have Good Work Habits Who Are Coachable Who Will Follow A Proven System For Success >>

30. Real Hope, Real Opportunity, Real Freedom for Real People! Corporate Leadership At HBW our success is based on providing our representatives with the tools necessary to prosper in today’s ultra-competitive marketplace. Our business philosophies are based on honesty, integrity and hard work. Raymond Berry is a Hall of Fame Wide Receiver and 1985 NFL Coach of the Year. "If you are serious about winning, you should consider working with HBW because we are serious about winning too." HBW's goal is to develop the largest independent marketing organization in the financial services industry, by creating an environment that allows our associates unprecedented opportunity to excel and succeed. Barney Hellenbrand Raymond Berry Co-Founder & CEO Co-Founder & Honorary Chairman Dan Ward Co-Founder & COO

31. For A Motivated Person, HBW Is One Of The Great Business Opportunities in America