America’s Reality Business Opportunity Lifestyle Retirement The U.S. is seriously in danger of losing its entrepreneurial spirit because the number of small businesses created has been declining since the 1970’s.1 Nearly 50% of Americans believe a wealthy lifestyle is unattainable. 2 54% of workers said they have less than $25,000 in retirement savings in 2010. 3 1/2 of U.S. households admit they currently don’t have adequate life insurance coverage - the highest ever. 4 1 out of 2 adults will have at least one chronic illness. 25% of those people will have one or more of their normal daily activities limited. More than 60% of all bankruptcies and 40% of home foreclosures are directly tied to critical illnesses, and most of these individuals were already covered by traditional health insurance. There are nearly 3 million critical illness diagnosed cases per year. There are 11.8 million Americans from the age range of 16 to 64 who reported a medical condition that makes it difficult to find a job or remain employed. 5 Lifestyle Retirement Life Insurance Chronic and Critical Illness

We Sell a Dream In today’s world the dream of building your own business has never been more difficult. Here’s Why: Lack of Capital Lack of Experience Lack of Leadership Lack of a Marketable Idea Lack of Security Fear of Failure

We Sell a Dream At PFA, we offer a risk-free opportunity. We Make it Easy: No Major Investment No Franchise Fees No Job Risk No Experience Required Flexible Schedule Unlimited Territory Unlimited Advancement

A Proven Track Record For over three decades PFA has provided people just like you with the opportunity to start their own business and gain the financial freedom to live their dreams. We are an innovative leader in the financial services industry, and there are two main keys to our success: Our high quality training and mentorship program. Our time-tested P2P Marketing SystemSM gives our associates an easy to follow blueprint for building their own business.

A Company of Vision A Clear Vision for Success We envision bringing prosperity back into every household across America. By doing so we can create more financially independent families than any business in history. PFA’s innovative business approach empowers individuals by giving them the tools to manage their futures and take control of their lives. Our exclusive business system is time tested and proven. With your commitment to follow the system and put forth the right effort, your success has no boundaries. A Clear Vision for Success A Mission to Empower A Proven System

A Company of Vision We are strategically positioned to achieve our vision and mission. Why are we so confident? Leadership and Track Record A Proven Business System Innovative Consumer-Oriented Products A Successful Mentorship Program State of the Art Technology Strategic Alliances Revolutionary Compensation System World-Class Recognition & Reward System

Leadership Track Record PFA’s experienced team is committed to helping you become a leader in your community. This is your opportunity to build an exciting new business based on life changing new strategies, combined with a proven and time-tested business system to guide your way. Leadership, Experience, Track Record.... A business opportunity whose time has come.

Proven Business System Our P2P Marketing SystemSM is at the core of our business building model. This “turnkey”approach allows you to build a business that is: Proven Self-replicating Predictable Self-motivating Profitable Self-financed Run the system and the system runs and helps build your business.

Proven Business System Mentorship Program When you join PFA, you will be in business for yourself but never by yourself. Our Certified Field Training Program matches associates with experienced PFA leaders for your on the job training where you can earn while you learn. The perfect marriage of individual entrepreneurship with the safety net of an established business.

Leading Edge Technology You will enjoy the latest technology to help build and run your PFA business. Business Management System Instant tracking of business flow Real time communication with mentors and associates On-the-go proprietary apps for mobile devices Online team management Online recognition system Multimedia presentations & brochures

Consumer Oriented Products PFA’s products are innovative and specially designed for anticipating the financial needs of individuals throughout their lives. We offer concepts and products that are time-sensitive – we can answer your needs as they arise, wherever you are in your life. Reallocating old money to create new benefits and savings Buying the right kind of life insurance Planning for a tax-free retirement Using indexed strategies Getting upside potential of savings with no downside risk We help you win the money game by:

Buy the Right Life Insurance Millions of Americans own life insurance, all preparing to do one thing – Die. The traditional way: Renting your insurance policy for a specified term of years Buying permanent life insurance for death protection only Saving with the insurance company This traditional mindset has been burned into the American psyche. But there is a better way....

Buy the Right Life Insurance We believe your life insurance should be there for you in life, not just death. The new way: Buy permanent life insurance you don’t have to die to use Free accelerated living benefits: Chronic, critical and terminal illness Save based on the growth of the S&P 500 Index Tax free withdrawals of savings We do things differently at PFA. We have taken traditional ideas and turned them into new benefits for consumers.

Buy the Right Life Insurance The rules have changed. Which would you choose? • Buy individual coverage for each threat Traditional way: • One policy, multiple benefits, one premium New way: Cost $800.00 Cost $200.00 ☐ Old way ☐ New way

Buy the Right Life Insurance Disability Income Retirement MULTIPLE needs ONE combined solution = Accelerated Living Benefits Life Insurance One Product – One Premium – One Company

The Interest Rules have Changed • The company decides your interest credits Traditional way: • Interest credited based on the positive changes in the S&P 500® • No losses due to declines in the Index • Interest credits are locked in every year and cannot be lost New way: Which would you choose? ☐ Old way ☐ New way

How Money Works Protection and Potential Some people sacrifice return for safety and other people sacrifice safety for return. Indexing brings together the best of both worlds.

How Money Works The Rule of 72 Now that you know how to get better value for your money, let’s see the impact of the savings over time. The Rule of 72 Divide 72 by the interest rate to estimate the number of years it takes for your money to double

You can only get two of the three! Which would you choose? How Money Works Maximize Your Tax Advantages Tax Deductible Contribution Tax Deferred Accumulation Tax Free Distribution You can only get two of the three! Which would you choose?

Revolutionary Compensation PFA allows people from all walks of life the opportunity to build a business. Programs designed to get you off to a fast start and increase your compensation A Certified Field Training Program that allows you to earn while you learn Great personal production contracts from 30-83% Lucrative Infinity Builders Override with revenue spreads as high as 53% on all new associate hires We have:

Revolutionary Compensation Great Part-Time Opportunity* Once you get licensed and start building your business: Make one sale a month* $1,650 Make four sales a month $6,600 How could this part-time income change your life? Make one sale and save the money for retirement over 30 years: At 4% $1,145,181 At 8% $2,459,093 Where else can you make this much money part-time? *The above illustration shows hypothetical commissions earned by a PFA Associate at a SA contract at an average target premium per sale of $3,000.

Revolutionary Compensation Base Shop Builders Plan* You become a leader and team builder: Make four personal sales a month   $8,400 Hire three associates who each  make four sales per month   $5,400 Base Shop Income $13,800/mo QFD SA SA SA *The above illustration shows hypothetical commissions earned by a PFA leader at a QFD contract making four sales per month with three Senior Associates in his base shop at a SA contract. Each Associate is producing four sales per month at an average target premium per sale of $3,000.

Revolutionary Compensation Infinity Builders Plan* Hire six direct leaders: Lets assume each of those leaders build 3 leaders each. Base shop income $17,160 Six direct leaders with 3 leaders producing the same volume, four sales per month. $43,200 Total Income $60,360/mo RFD QFD QFD QFD QFD QFD QFD SA SA SA SA SA SA *The above illustration shows hypothetical commissions earned by a PFA Associate at a RFD contract with six direct leaders at a QFD contract with each of the six leaders having three associates at a SA contract. Each associate is producing four sales per month at an average target premium per sale of $3,000.

Recognition & Reward System PFA will recognize you with everything from custom watches to super bowl style rings to exclusive World Class Trips. Join PFA and See the World!

If you are like most people, you are ready to: Get Started Today If you are like most people, you are ready to: Take control of your time Get paid what you are worth Become your own boss Build financial independence for you and your family

Experience help you learn How to Win the Money GameSM. The Next Step • Sign up today • Meet with your Certified Field Trainer • Start building your business right away Let PFA’s Leadership & Experience help you learn How to Win the Money GameSM. Start today!

Leadership and experience to take LIFE to the next levelSM This material is for training purposes only and is intended solely for use in recruiting and training PFA’s marketing associates. PFA’s business opportunity is not a franchise nor is this material a solicitation to purchase a franchise or business opportunity. The terms: Business Opportunity, Business System, P2P Marketing SystemSM, Field Training Program and Business Management System are proprietary to PFA and are solely intended for use in internal training and refer to other materials and systems developed by PFA solely for use of its marketing associates. Compensation illustrations provided in these materials are based solely on the assumptions quoted therein and are not meant to represent typical or guaranteed compensation for any PFA marketing associate. Premier Financial Alliance, Inc. is an independent marketing organization and insurance agency which is licensed throughout the United States and Guam. PFA is licensed as PFA Financial and Insurance Services DBA in California and Premier Financial Alliance, Inc. in all other states which it conducts business. © Copyright 2012 PFA (Premier Financial Alliance, Inc.). 4411 Suwanee Dam Road Suite 720 Suwanee, GA 30024 phone: 770.271.0443 | www.pfaonline.com