The document provides an overview of the Integrity with GFD solution, a new wealth accumulation and protection solution for business owners. It addresses main challenges business owners face like not having enough money for retirement or rewarding family. The Integrity solution offers accelerated wealth accumulation, additional life insurance protection, and significant tax advantages. It works by providing an upfront loan that is deposited into a universal life insurance policy to grow tax-deferred. Business owners can then enjoy multiple exit strategies like selling the business, using it for retirement income, or leaving a financial legacy.

1. INTEGRITY with GFD | Re re Your Worries
A New Wealth Accumulation and Protection Solution For Business Owners
Business
Owners
Guide
POWER UP + GROW + PROTECT

2. The Need For Better Options
Main Challenges: Integrity Solution:
 Not having enough money to last you  Accelerated Wealth Accumulation
and your family for the rest of your life.
 Additional Life Insurance Protection
 Having to pay more taxes as your
business grows and succeeds.  Significant Tax Advantages
 Realizing the true value you deserve  Multiple Exit Strategies
from your business.
 Financial Legacy for Your Chosen Heirs
 Rewarding your family in the event of
your premature passing.

3. Current Retirement Planning Options
May Fall Short

4. Limitations of Current Retirement Plans
Limits to
Maximum
Contribution
Limits to
Maximum
Discretionary
Contribution
Matching Costs
Expenses 100% Funding
Annual by the Employer
Administration
401K Costs
SEP Expenses
Need to Watch
Fiduciary Trustee Fees
Exposure
Tax Liabilities
upon Withdrawal
in Retirement
Tax Liabilities
upon Withdrawal
in Retirement

5. Integrity with Global Financial Distributors® (GFD)
Make Future Contribu ons Work Today
• designed for a business owner:
Whom is It For? u zes the business en y as the founda on
for wealth accumula on and growth
• to provide substan al funding right from the start
What is Its Goal? to kick-start wealth accumula on
• to maximize life insurance benefits
• uses a
How Does It Work? • deposits the loan proceeds into a universal life
insurance policy to
• a weal
• an efficient and cost-effec ve way of purchasing or
How is It Used?
consolida ng life insurance
• a powerful combina on of wealth accumula on and protec on
.
What is the Process? • affordable, transparent and simple to implement
• may be used as an add on to exis ng re rement plans
Footnote: Global Financial Distributors® is a registered trademark of Entaire Global Intellectual Property Inc.

6. Integrity with GFD® – How It Works
1. POWER UP 2. GROW + PROTECT 3. ENJOY
UP-FRONT FINANCING WEALTH ACCUMULATION EXIT STRATEGIES
The Business receives a loan The loan principal is deposited into a You create mul ple exit strategies
Universal Life Policy
The Loan: Life Insurance Policy: Flexible Exit Strategies:
 Interest-Only   Sale of the Business
 No Personal Guarantee methods available
 Re rement Income
 May or May Not Require Collateral  Has limited downside risk to the
 Renewable * principal  Genera onal Transfer
 Call Protec on*  Significant life insurance coverage  Death Benefit
The interest payments on the
The cash value of the policy
loan may b Tax-
grows tax-deferred.
to the business
*Consult Integrity contract rider regarding renewability and call protection. Riders are subject to state availability, certain limitations, and
may require additional charges. See terms of the rider for full details. **(See “Disclaimer” page at the end of this presentation.) Each
customer should make an independent evaluation or assessment of the transaction and should consult with his/her legal and/or tax advisor.

7. 1. Power Up: Up-Front Financing
Get a Significant Capital Infusion
Business Owner Case Study: 50 year old Male, rated standard Re rement: 70 years old
Integrity with Leveraged Planning® Loan - Conversion Chart
Business Owner’s The 20-Year Loan Amount Available
Current Annual Contribu on Through Integrity with Entaire*
25,000 = 455,000
45,000 = 818,000
65,000 = 1,182,000
85,000 = 1,545,000
100,000 = 2,000,000
Advantages:
•You start with 15-20 times more funds than a traditional retirement plan participant
•You only spend more if you wish to make more
• Keep in mind that this is a loan and is encumbered until such time as the loan is repaid, which can be through
generational transfer, death or sale of the business.
Footnote: Leveraged Planning® is a registered trademark of Entaire Global Intellectual Property Inc.

8. Integrity with GFD® Retirement Program
Business Owner Case Study: Age: 50 years old Male, rated standard Retirement: 70 years old
401K Integrity
Annual Contribu 16,500 0
(Salary Deferrals and Profit Sharing)
Contribu n to “IRP” 0 685,000
Annual administra n expenses 8,500
Annual Net Contribu n/Cost 25,000 25,002
20-Year Total Contribu 330,000 685,000
20-Year Cost at Current Rates 500,000 500,040
20-Year Value 768,111 1,794,210
(at 7.5% compounding rate of return on the
Annual Net Contribu n)
Taxa n at 30% 230,433 N/A
Total 20-Year Value 537,678 1,794,210
 Integrity Business Owner's initial contribution is equivalent to more
than two times the 401k cumulative 20 year contribution.
•Minnesota Life Eclipse Indexed Life Product. Includes full funding of death benefits. This example is based on assump s and is being provided for informa al
purposes only. The amount of life insurance purchased affects the cash accumul on and dividend rates and therefore may not cover the interest on the loan.

9. 2. Grow and Protect: The Equity Indexed Universal Life Products*
The cash value of the policy will increase with the market without
essentially any downside risk to principal and prior period earnings.
Annual
Crediting $1,134,000
Annual Crediting 5%
0%
Annual $1,080,000
Crediting Needed to
8% Catch Up
Market Down Turn 14.12%
$1,000,000 $993,660
- 8%
*This is a hypothetical example. Past performance is not indicative of future results.

10. Integrity with GFD® Insurance Flagship Product
Minnesota Life Eclipse IndexedLife – Historical Perspec ve*
Business Owner Case Study: 50 year old Male, rated standard Re rement: 70 years old
Look-Back Periods Annual Return
15 years 8.85%
20 years 8.34%
25 years 8.95%
30 years 8.86%
* Source: Hallett Financial Group, Inc., a Field Marketing Organization for Minnesota Life. Based on
Minnesota Life Historical Compound Averages of S&P 500, using Dec.1980 through Dec. 2009
timeframes. The attainment of the presented rates of return is not guaranteed or implied.
Past performance is not indicative of future results.

11. Maximize Life Insurance Benefits
Personal Business
Survivorship Income Key Person Life Insurance
Paying Off
Buy-Sell Agreements
Financial Liabilities
Retirement Income Succession Planning
Estate Planning
Additional Benefits:
1. The opportunity to consolidate your current life insurance policies and expenses.
2. The ability to lock-in the initial life insurance benefits regardless of the changes
in your health conditions down the road.
3. A more efficient and cost effective way to take care of your insurance needs.

12. Enjoy: EXIT Strategies
1. Sale of Business
to a Third Party
2. Generational
Transfer
3. Retirement
4. Life Insurance
Death Benefit

13. Integrity’s Unparalleled EXIT Strategies
1. SALE OF BUSINESS TO A THIRD PARTY 2. RETIREMENT
Flexible treatments for repayment of commercial The loan can be paid off from the cash value of the
loan to limit taxable impact to Business Owner.* policy or external funds.
The remaining policy cash value can be used in the
The original Business Owner now has access to life form of loans with full access.
insurance cash value to borrow against and full use of
the entire death benefit. There is no penalty for accessing this option prior to
59.5 or after 70.5 years of age.
3. GENERATIONAL TRANSFER 4. DEATH/DISABILITY OF THE BUSINESS OWNER
The transaction may be considered a sale to a third Death Benefit is used to retire the commercial loan.
party and enjoys the same treatment.
The remainder is usually a tax-free benefit to the
Business Owner’s beneficiary of choice.*
The plan can be structured to be self-completing.
* (See “Disclaimer” page at the end of this presentation.)

14. Integrity with GFD®
Benefit Summary
Provides up-front funding to kick- • Your ini al contribu on is equivalent to almost 20 years of
start your wealth accelera on = contribu on in a tradi onal plan.
process… • Has the poten al to increase the value of your assets greatly.
Maximizes your life insurance • Protects your assets from market risks.
benefits… = • A more efficient and cost-effec ve way of buying life insurance.
• Has the poten al to drama cally increase the value of business
Provides benefits on both business = upon its sale.
and personal levels… • May be used as supplemental re rement income and/or financial
legacy for your beneficiaries.
Provides significant • Has poten al opportunity for tax deduc bility, tax deferral and
tax advantages…* = tax-free withdrawals.
Organized as a
turn-key solu on… = • Requires minimum work on your part – we do the rest.
* (See “Disclaimer” page at the end of this presentation.)

15. Is This The Right Fit For You?
A Typical Integrity with GFD® Client
 Needs an efficient and cost-effec ve life insurance policy.
 Has an average of a 15-20 year wealth accumula on me horizon.
 Has a steady revenue stream and cash flow.
 Has substan al tax planning concerns
 May have the need for succession planning; buy-sell agreements
and/or using the business to fund estate planning.
 May have lending restric ons in the current credit environment and
limited flexibility to acquire money to finance growth.

16. Integrity with GFD®
Easy Turn-Key Implementa on
1 2 3
To pre-qualify for the Apply for a life
Receive a formal loan
loan, fill out a standard insurance policy and
offer with closing
Personal Informa on complete underwri ng
documents.
Form. documents.
The Lender Automatically Sends Funds to the Life Insurance Policy Carrier to Fund Your Policy.

17. Disclaimer
The information contained herein has been prepared to assist interested parties in making
their own evaluation and does not purport to contain all of the information that an
interested party may desire. Information in this piece may be updated at any time without
prior notice. Should there be any inconsistencies between this piece and the information
produced by Integrity Business Solutions, LLC, the product’s architect, please refer to the
Integrity Business Solutions’ material as the source copy. Past performance does not
guarantee future returns.
Please be advised that this content is based on our general understanding of federal
income tax rules for U.S. individuals and businesses and may not be relied upon. Clients
should consult and rely exclusively upon their own tax and legal advisors. Integrity Business
Solutions Provider LLC does not provide any legal or tax advice of any nature, nor is this
document intended to do so. Accordingly, any tax information provided in this content is not
intended or written to be used, and cannot be used, by any taxpayer for the purpose of
avoiding penalties that may be imposed on the taxpayer. The tax information was written to
support the promotion or marketing of the transaction(s) or matter(s) addressed and you
should seek advice based on your particular circumstances from an independent tax advisor.