HighCap Financial-Membership Has its Advantages J. Craig Collins, Senior Vice President

HighCap Production Last 5 Years

Course Correction Every mile you fly, for every 1o you are off course, you will miss your target landing spot by 92 feet That amounts to: Approximately 1 mile off target for every sixty miles flown 50 miles from NYC to LA Over 4,000 miles flying to the moon Even when things seem to be going smoothly and we think we know where we are headed, we need small course corrections along the journey.

Why HighCap? 3½ x More Business Annually from HCF Average HCF producer = 9 – 11 apps per year Average Institutional & Independent = 2 – 3 apps per year Average Margin (NHOR) All Producers = 32% HCF = 27% Of those producing $100k or more in 2016 Low = 10% High = 46% Average Case Size = 20% larger STICKINESS!

Who Owns the Responsibility to Help Producers GROW Their Business? Fundamental Question Who Owns the Responsibility to Help Producers GROW Their Business?

HighCap Financial Is Not a Channel Independent P&C Institutional IBD HCF

HighCap Financial Producer Profile Life Insurance Advisor, Financial Advisor (IBD, RIA) and Risk Managers (P&C, Benefits Firms) who: Utilize life insurance to provide solutions for client’s financial needs Want to drive more revenue from life insurance Work with affluent clients Desire connection/camaraderie Belong to something bigger than themselves Value partnership

HighCap Financial Qualifications Capable AND willing to produce $100k in first 18 months $100k goal annually Vetted by Managing Principal

HighCap Financial Value Proposition “We are on your team, not your payroll” Full support staff Home away from home Sense of belonging Value a partner that “has your back” Commitment to grow together

HighCap Financial Member Benefits Rewards Trip National Meeting Regional Meetings/Study Groups Networking Concierge Exclusive Resouces (VSA)

HighCap Financial Member Benefits Strategic Partnerships Heritage Premier Trust Leimberg Services Ashar Group Nolan ??? Local Support

Execution Nationally Membership Management Assist in Recruiting Onboarding – SVP & Local Concierge Involvement National and local resources Virtual “company tour” Who to Call Tools and resources Reporting Membership Eligibility Connection

Connection ?

Execution Locally Concierge Business Planning with each HCF Member Identify prospects and conversion Run HCF Meeting/Study Group Minimum 10 HCF attendees to Sales Forum Grow production by 12% Meet Recruiting and Production Goals

Quantifying the Value of HighCap What’s more important . . . commission percentage or revenue?

Quantifying the Value of HighCap $300,000 producer - 100% comp vs. HCF at 90% 1 case manager - $60,000 income 1 case designer - $60,000 income $120,000 = 40% of revenue going to staff Net $180,000 revenue (effective 60% contract) HighCap Financial – We do it all! Net $270,000 revenue (gross = net) Don’t think of it as 10% LESS commission Do think of it as 50% MORE Revenue!

What Does HCF Mean To You? Average Independent and Institutional Producer $10,000 x 32% = $3,200 per case $3,200 x 3 cases = $9,600 annually Average HighCap Financial Producer $12,000 x 27% = $3,240 per case $3,240 x 11 = $35,640 annually HCF Producers Equals 371% more NHOR!!!!

Q&A

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