Are Your Loans & Lifestyle Totally Protected? 1

Who is USA Benefits Group? About the Company USA Benefits Group is a nationwide network of Life and Health insurance professionals that have been serving small business owners and the self-employed since 1988. Non-captive agents working for you, not the insurance company 26 years of Health and Life Insurance Specialization A+ rating with the Better Business Bureau Representing top-rated companies as determined by A.M. Best About Your Agent 39 Years Of Providing insurance Solutions For The Question: “Are You Totally Protected” USA Benefits Group Eagle Division Manager since 2003 1000 Business Mortgage Protection Customers CLU certified since 2002 David L. Collins Executive VP USABG 2

USA BENEFITS GROUP EAGLE DIVISION We cover everything that affects your; Business mortgage + Loans + Long Term Leases STABILITY & SECURITY WITH USABG EAGLE DIVISION Nationwide network of insurance professionals serving home owners since 1977. 39 years of providing Mortgage + Loan + Long Term Leases Protection solutions for the WHAT IF of life! Over $550 million in business, while insuring 100,000 thousand small business owners We have witnessed over a billion dollars in mortgage claims. We know what you need to protect your debts and lifestyle TOTAL PROTECTION PLUS PAYMENT SECURITY We cover everything that affects your mortgage or loans Die before the end Have a Critical Illness Event Cancer + Accident + Heart + Stroke Have a accident disability

Dying Is Not The Greatest Risk To Your Business *82% Heart • Stroke • Cancer Accidents All other procedures and surgeries STATISTICS FOR HOSPITAL CONFINEMENTS *AMERICAN HOSPITAL ASSOCIATION 68% of all hospital confinements are related to the 3 most common critical illnesses SIX TIMES MORE LIKELY THAN DYING WE WOULD PAY $100,000 ON DIAGNOSIS WOULD PAY MEDICAL EXPENSES WOULD PAY MORTGAE PAYMENT WOULD PAY LIVING EXPENSES 14% of all hospital confinements are related to disabilities from accidental injuries. FIVE TIMES MORE LIKELY THAN DYING WE WOULD PAY THE MORTGAGE FOR 24 MONTHS IF THE ACCIDENT INVOLVES MAJOR BURNS OR PARALYSIS WE WOULD ALSO PAY $100,000 ON DIAGNOSIS 4

USABG Loan Protection Plus If Cancer Or An Accident Was In Your Future Which Plan Would You Prefer ?? Standard Protection IF YOU DIE We Pay Off Mortgage + Waiver Of Premium SECURITY DEATH AND CI EVENTS Protection Plus IF YOU DIE We Pay Off Loans + CRITICAL ILLNESS We Pay $100,000 Cash ACCIDENT DISABILITY We Pay $3,000 90 Day Wait Two Year Benefit + WAIVE PREMIUM CRITICAL ILLNESS DEATH BENEFIT ACCIDENT DISABILITY

What if this happened to you What if this happened to you? 80% USE UP ALL THEIR LIFE SAVINGS What would you do? THESE CLAIMS ARE ALL MY CUSTOMERS BREAST CANCER 15 MONTHS OF LOST INCOME Received $100,000 On Diagnoses HEART ATTACK WITH SURGERY 13 MONTHS OF LOST INCOME ACCIDENT WITH 7 SURGERIES 24 MONTHS OF LOST INCOME 90 Day Wait. Received $3,000 Monthly For 21 Months OUR GOALS ARE SIMPLE, PROTECT THE MORTGAGE Pay The Mortgage Payment On Critical Illnesses And Accidents Pay Bills On Critical Illnesses Pay All Out Of Pocket Cost On Your Major Medical Pay Off Loans If You Die Waive The Premium If You Have A Disability

10 YEAR PLAN 20 YEAR PLAN $213.12 USA BENEFITS GROUP EAGLE DIVISION TOTAL BUSINESS LOAN PROTECTION PLUS Will Schroer / 73160 / 42 $250,000 LIFE / $100,000 CI / $3,000 DI 10 YEAR PLAN 20 YEAR PLAN OPTION “A” LIFE + WP $ 81.00 OPTION “B” LIFE + WP + CI $ 149.00 OPTION “C” LIFE + WP + CI + DI $ 170.00 OPTION “A” LIFE + WP $ 120.00 OPTION “B” LIFE + WP + CI $ 210.00 OPTION “C” LIFE + WP + CI + DI $ 232.00 OPTION “C” YOU COULD DIE We would pay off the mortgage YOU COULD HAVE CANCER 6 times more likely than dying We would pay $50,000 HEART ATTACK 6 times more likely than dying YOU COULD HAVE AN ACCIDENT 5 times more likely than dying 90 Day Wait $2,200 Disability For 24 Months WAIVER OF PREMIUM FOUR BENEFIT PLAN $213.12 USABG EAGLE DIVISION OUR GOALS ARE VERY SIMPLE PAY THE BILLS 100% PROVIDE INCOME + YOU RECOVER A Check is Better.. Than A Get Well Card ACCELERATED DEATH BENEFIT ON ALL PLANS 7