Welcome to R.J. Harding & Associates Empower Your Life!

1. About the Company

R.J. Harding & Associates The Consumer Protection Association is a nonprofit organization that that raises money to help Participants get out of debt and pay off their homes. The Consumer Protection Association makes monthly deposits into Security Escrow. Security Escrow, in turn, makes monthly deposits into Participants accounts on a Matching Dollar® basis. Security Escrow provides you an Administrative Support Team (AST), Personalized Reports, Optional Workshops, Matching Dollar® Programs, Debt Elimination, Tax Management Systems, Risk Management Systems, Automated Distributions, Tracking and Monitoring Systems and Integrated Resource Mgt. Strategies. R.J. Harding & Associates implements Matching Dollar® Programs and tailors your systems to fit your unique situation. Your Personal Service Consultant will help initiate your Matching Dollar® distribution and show you strategies to recapture lost dollars and maximize distributions into your account. Welcome

Mission Statement 1.Assist the Consumer Protection Association to equitably distribute matching dollar grants 2.To set up Participants, Automated Systems at Security Escrow. 3.To maximize Participants revenues by implementing Integrated Resource Management Strategies.

We Provide Solutions This tour will guide you through a variety of turnkey solutions to some harsh economic realities. First, let’s look at current trends…

Let’s look at what the Census Bureau shows us

After 40+ Years Of Working ! 93% Reliant On Government Programs! Out of 100 Men 1 Wealthy 4 Well Off 27 Dead 68 Dead Broke 68/73 = 93%

Why? Two Primary Reasons

1. No money to invest Traditional Approach- Diversified Investing $ 6% $ 9% $ 12% $ 15%

Solution Matching Dollar Grants/Debt Elimination Traditional Approach- Diversified Investing $ 6% $ 9% $ 12% $ 15%

Second Primary Reason 2. People lose their money Traditional Approach- Diversified Investing $ 6% $ 9% $ 12% $ 15%

a Matching Dollar® buffer to insulate investments? Traditional Approach- Diversified Investing $ 6% $ 9% $ 12% $ 15% What if there was…

Three Success Strategies Strategy 1 Strategy 1 Increase Your Cash Flow Strategy 2 Strategy 2 Automate Your Systems Strategy 3 Strategy 3 Implement Cash Acceleration Strategies

Strategy 1 Increasing Your Cash Flow

Strategy 1 Two Methods for Increasing Your Cash Flow: Two Methods for Increasing Your Cash Flow: A.Use Matching Dollar® Grants B.Implement Integrated Resource Mgt. Strategies

First Method Matching Dollar® Grants

You get to participate in the revenues! Matching Dollar Distributions… Your account will be set up within three business days. Your web page is set up at the same time. You should receive your first distribution within days. You control your money... you control your accounts.

Method 1- Matching Dollar® Grants 1.A savings account is set up at your bank. 2.Distributions are made into your account. 3.Distributions are made on a monthly basis.

Method 1- Matching Dollar® Grants Your accumulation account will determine your monthly distribution. To view your accumulation account… –Go to –Click Security Escrow –Enter your username and password. –Click on Accumulation Account.

Method 1- Matching Dollar® Grants You will see your: 1.Accumulation Points. 2.Projected Annual Matching Dollar® Distributions. 3.Projected Monthly Distributions. 4.Last distribution deposited into your account. Maximize your accumulation points! Your Personal Service Consultant will show you how.

Second Method Integrated Resource Mgt. Strategies Integrated Resource Mgt. Strategies

A well defined, integrated strategy can produce dramatic results! You could recapture thousands of dollars over your lifetime by implementing Integrated Resource Management Strategies. Example: If your projected Accumulation Account is equal to an equivalent value of $50, your Integrated Resource Systems could increase that to an equivalent value of $100,000!

How fast do you want to eliminate your debt? You can employ a traditional slow elimination approach to eliminate your debt or you can adopt a fast track program. You can take 30 years, 20 years, 10, 5 or even as quickly as one to two years. We have Cash Acceleration Programs for you.

You agree to pay the same amount each month (You don’t increase your payments). You agree to pay the same amount each month (You don’t increase your payments). Savings Account $2000 Bills $2000 You recapture lost dollars as you pay your bills!! In the process we show you how to recapture lost dollars!

Watch your debt go down each month! With Matching Dollar® Grants you will receive the satisfaction of watching your debt go down each month at an accelerated rate. Your Debt Elimination Analysis will determine how long it will take for you to eliminate your debt (including your mortgage).

Imagine recapturing all of your property taxes in your lifetime! Your Personal Service Consultant will show you how to effectively use your revenues and cutting edge strategies as he/she introduces you to your new Tax Management Systems (Phase 1)!

Imagine recapturing all of your insurance premiums in your lifetime! Your Personal Service Consultant will show you how to effectively use your revenues and cutting edge strategies as he/she introduces you to your new Risk Management Systems (Phase 1)!

Imagine a mortgage where your net payment goes down each month! Your Personal Service Consultant will show you how to qualify for Matching Dollar® Grants to eliminate your mortgage payment!

Method 2- Integrated Resource Mgt. Strategies Use Matching Dollar® strategies to: 1.Accelerate Debt Elimination 2.Accelerate Mortgage Elimination 3.Implement Risk Management Programs 4.Implement Tax Management Programs Look at the potential…

Your Comprehensive Analysis is a touch away... Several projections await your evaluation. Your first analysis is a sample only and therefore only approximate information is needed. Your Personal Service Consultant will guide you and provide you your username and password.

Method 2- Integrated Resource Mgt. Strategies To view your interactive analysis: 1.Go to 2.Click Security Escrow 3.Enter your username and password.

Method 2- Integrated Resource Mgt. Strategies You will see your analysis for: 1.Debt Elimination. 2.Tax Management Program (Phase 1). 3.Risk Management Program (Phase 1). 4.Mortgage Acceleration (Matching Dollar® Grants)

Strategy 2 Automate Your Systems

Tracking & Monitoring Systems You will keep in touch with and control your accounts and systems through your very own web page which comes complete with your own Tracking & Monitoring Systems. A Personal Service Consultant will provide you with your username and password. Keep in mind… you control your money… you control your systems.

Strategy 2- Automated Systems We Provide Turn Key Solutions YOUR WEB SITE WILL GIVE YOU POWER TO… Control your money. Control your systems. Accelerate your cash flow. Maximize your matching dollar distributions

Strategy 2- Automated Systems Your automated systems will provide you: 1.Peace of mind. 2.Security and safety of using your own bank 3.Automated Systems to guarantee implementation. 4.Direct Matching Dollar® deposits into your account. Plus… A Personal Service Consultant will guide you along the way.

Strategy 3 Implement Cash Acceleration Systems

Strategy 3- Implement Cash Acceleration Systems We want your account to grow as fast as possible... Therefore, you will have options designed to most benefit your individual situation. You have the flexibility to use revenues, systems and strategies in a variety of choices… all with your very own bank!

Strategy 3- Implement Cash Acceleration Systems You will be impressed how quickly you can increase your cash acceleration systems. No Selling - No Recruiting - No Networking If you would like to refer us to someone… Your Personal Service Consultant will show you how you could get paid up to 30 years for referrals!

LOKO At All We Do Review

Accelerate Cash Flow Receive Matching Dollar Grants We Teach You How To Recapture Lost Dollars

A Personal Service Consultant Automated Systems We Provide You High Level Security An Administrative Support Team

Increasing Matching Dollar Distributions? Decreasing Debt Structure Recapture Insurance Premiums/Taxes? Would You Like…

A Personal Service Consultant Automated Systems We Provide You High Level Security An Administrative Support Team

What Will It Cost You?

If we can recapture $10,000 or more over time… It only costs $89.00! Otherwise, its free! What Will It Cost You?

Ask your Personal Service Consultant What Will It Cost You? about your 60 day free look!

Don’t Let Your Ship Get Away

How do you recapture all of your property taxes over your lifetime? Your Personal Service Consultant will assist Security Escrow in setting up your Tax Management Program.

Steps to setting up a Tax Management Program: 1. Set up a Tax Management Savings Account at your bank. Make certain it is a federally insured bank. Divide your annual property taxes by 12. Make monthly deposits into the Tax Management Account. Your Personal Service Consultant will show you how to acquire interest yields comparable to CD rates. Projections are at 2.4%.

Steps to setting up a Tax Management Program: 7. Set up annual auto pay system. Place annual interest into your Power Account. Create an analysis projecting number of years to recapture 100% of property taxes. Review your analysis to determine the number of years to recapture 100% of your property taxes. Direct any inquiries to your Personal Service Consultant. These projections are assumptions only and are not, nor are intended to be guarantees. Consult with your Financial Advisor/Professional before making any financial decisions.

How do you recapture all of your property and casualty insurance premiums over your lifetime; without- A. Increasing your premiums. B. Increasing your risk exposure. C. Changing insurance companies? Your Personal Service Consultant will assist Security Escrow in setting up your Risk Management Program.

Steps to setting up a Risk Management Program: Set up a Risk Management Savings Account and your bank. Make certain it is a federally insured bank. Divide your annual premium by 12. Make monthly deposits into the Risk Management Account. Place interest earnings into your Power Account. Your Personal Service Consultant will show you how to maximize your results.

Steps to setting up a Risk Management Program: Determine date and amount of premium payments. Set up an auto pay system. Determine if your homeowner/auto insurance deductible is $500. Allow your power account to reach $500. Increase your deductible to $1000. Create auto pay system to pay $500 in the event of a claim. Your annual payments into your Risk Management Account remains the same.

Steps to setting up a Tax Management Program: 14. The amount of insurance premium going to your insurance company should be reduced by approximately 10%. Place the difference in premium (savings from reduced premium) into your savings account (Power Account). Create an analysis to determine how many years to recapture 100% of premium- assuming one claim every five years. Create an analysis to determine how many years to recapture 100% of premium with no claims. Review your analysis to determine the number of years to recapture 100% of your premium. Direct any inquiries to your Personal Service Consultant. These projections are assumptions only and are not, nor are intended to be guarantees. Consult with your Financial Advisor/Professional before making any financial decisions.