1. September 2014 National Call With : Michael Attardo SVP, Operations Guest Speaker : Daniel Padgug, Managing Program Advisor

2. AUGUST ADC PRODUCER SUCCESS STORIES Kim D., AL222% Dorothy M., FL183% Patsy W., NC181% Kimball H., TN145% Gregory G., MI142% Jerry S., LA124% Mary W., TN114%

3. AUGUST ADC SUCCESS SPONSOR STORIES Juan G., FL183% Mark M., OH136% Steve B., NY136% Mary W., TN132% Richard A., NC124% Pamela W., TN114% Charles W., SC114% Allen L., MS103%

4. SEPTEMBER TEAM CALL FREE CARD WINNERS Glenn B, FL Michael O, OH Natasha L, LA Russ H, TN Sue G, AL

5. AUGUST NATIONAL CALL FREE CARD WINNERS Charles W., SC Mary E., L, DE

6. POTENTIAL 25 K FREE CARD WINNER  If you are a winner, please contact Diane Burgos at 888-311-6224 x 119 or via email at dburgos@nbbicard.com to claim your cards by 4PM EST tomorrow. 820194336

7. WELCOME 25 NEW REPS! April Moore, TX Clarence G., PA Deborah W., TX Feras K., AL Fernie O., TX Gwendoline M., CA Jada G., TX Joanne C., TN Johnny G., AL Joseph B., FL Keith M., NY Larry D., MI La-Tricia H., SC Madge C., AL Robert F., NJ Rolf T., NV Sandra M., NY Suzanne G., AL Timothy M., NJ Valerie D., IL Vivian R., NJ Von T., MD

9. WHAT MAKES THIS OPPORTUNITY SO SPECIAL?  I will briefly divide this into two categories which are:  1. “Standard” advantages of being an entrepreneur  2. Advantages specifically of being a rep for NBBI

10. “STANDARD” ADVANTAGES OF BEING AN ENTREPRENEUR  Be your own boss  Make your own hours  Can work from home, if you want  You determine your income  Paid what you are worth  No politics involved with being promoted  Freedoms in creating your own business  The pride of owning a business  Tax advantages of owning a business

11. ADVANTAGES SPECIFICALLY OF BEING A REP FOR NBBI  Don’t have to buy any “potions, lotions, pills, drinks etc. to qualify to get paid”  Many items are provided to the reps for free (plaques, card drawings, quarterly cookies, brochures, book club, branded cards, Dentachoice (for those that qualify,) performance award points for gifts, lifestyle program etc.)  Training….both “live” and recorded.  Daily support from headquarters with “real” people vs being transferred to a computer menu

12. ADVANTAGES SPECIFICALLY OF BEING A REP FOR NBBI (CONTINUED)  THE MORE YOU HELP OTHERS, THE MORE YOU GET PAID!

13. FIRST REP TO GET 500 ADC SCRIPTS IN ONE MONTH! “It was MUCH to my surprise that I got over the 500 script count mark so soon. I think what made it possible was my sense of urgency because even getting 500 by year- end is a challenge. My goal was to have it done by convention time so that gave me the motivation to work hard during the summer. I really didn’t do anything special that is all that noteworthy, I just upped my card distribution more than I would normally do during the summer. It was a combo of new & existing contacts. The timing worked out such that many of my existing contacts needed Rx cards at the time so I could have the conversation about the positive changes to the Rx card. “ Steve, CO CONGRATULATIONS!

14. THE CARD AND INSURANCE DEDUCTIBLES Persons who have insurance (prescription) deductibles who wish to use the discount card, may have to complete a form and submit any receipts for prescription fees to their insurance company so that it can be counted against their deductibles. However, although 99% of the insurance companies are good with this format, persons who wish to use the discount card should call their insurance companies and verify this before using the card.

15. ACA FACTS Acronyms: ACA = Affordable Care Act aka Obamacare CHIP = Children’s Health Insurance Program Open Enrollment for 2015 coverage starts November 15, 2014. Most people must have health coverage or pay a penalty.Most people must have health coverage or pay a penalty. If you don’t have coverage in 2014, you’ll pay a fee of either 1% of your income, or $95 per adult ($47.50 per child), whichever is higher. You'll pay the fee on your 2015 income taxes. Some people qualify for an exemption from the fee, based on income or other factors.

16. You’re considered covered if you have Medicare, Medicaid, CHIP, any job- based plan, any plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage.MedicareMedicaidCHIPjob- based planplan you bought yourselfCOBRAretiree coverageTRICARE, VA health coverage You can preview Marketplace health plans and prices available in your area by using a simple tool. It lets you see plans and estimates of the prices you pay without filling out an application. The prices shown reflect any lower costs you may be eligible for based on your income and household size. Click here: https://www.healthcare.gov/find- premium-estimates/https://www.healthcare.gov/find- premium-estimates/

17. TARGET THIS AGE GROUP Millennials, those who are 18 to 33 years old, born 1981– 1996, also are less likely than other age groups to own health, auto, life, homeowner’s, renter’s and disability insurance, according to the report. Some of the disparity can be attributed to living with their parents or having fewer assets to protect, insuranceQuotes.com said, but millennials appear to be under insured across all insurance lines.

18. MILLENNIALS UNDER INSURED COMPARED TO OTHER AGE GROUPS

19. While the uninsured rate has dropped to a record low of 13.4% nationwide, according to Gallup figures, rates differ dramatically across states. Here are the 10 states with the highest uninsured rates in the aftermath of health care reform implementation, according to WalletHub. 7 States were not included due to lack of data. Rank State PRE ACA % POST ACA % Differenc e 1Texas26.824.81-1.99 2Mississippi18.1121.463.34 3Louisiana22.4120.91-1.5 4Florida24.7319.61-5.12 5 New Mexico 24.2919.59-4.69 6 Nevada 26.5219.58-6.94 7 Alaska20.4819.86 -1.52 8 Oklahoma19.7618.33 -1.43 9 Wyoming18.9218.29 -0.63 10 Georgia21.66%18.16% -3.5

20. BUBBLE MAILERS Bubble 6*10 mailers / free shipping/ $71.99 for 400 envelopes Company: Cutting Edge Package Products: 330 Ryder Rd, Toledo, OH 43607 Product: 400 #0 ECO-LITE KRAFT BUBBLE MAILERS, 6" X 10", SELF SEAL WITH FREE SHIPPING!!!! Product Link: http://www.4bubble.com/catalogsearch/result/?q=400elfree Thank you Michael H.!

21. PLEASE …. Never tell any account, Hospitals, Urgent Care, Clinics or any and all existing accounts, that have existing supplies of CAP cards, USA cards and PET cards, that these cards are no longer good or obsolete and need replacing with the new cards.

22. ACRYLIC CARDHOLDER SALE! WE STILL HAVE SOME AVAILABLE!

23. ADC CARDHOLDERS THE ADC STANDS IN THE REGULAR Size ARE NOW AVAILABLE IN YOUR BACK OFFICE. THE MINI size WILL BE AVAILABLE BY THE END OF THE WEEK.

24. POTENTIAL 25 K FREE CARD WINNER  If you are a winner, please contact Diane Burgos at 888-311-6224 x 119 or via email at dburgos@nbbicard.com to claim your cards by 4PM EST tomorrow. 820194952

25. ADC MOBILE APP THE ADC MOBILE APP IS IN FOR FINAL REVIEW. IT WILL BE LAUNCHED AT THE CONVENTION.

26. DON’T FORGET… Any Rep, who has not met the qualification necessary to accrue $1.25 per compensable script for calendar year 2015, (500 scripts in any one month before the end of the year), but brings in 10 NEW Reps between now and the end of 2014, will be compensated: $1.25 per compensable script and.25 per down line compensable scripts for all of 2015.

27. WHERE NOT TO LEAVE CARDS At a cemetery…. Those folks probably don’t need meds.

28. If you have any topics that you would like me to speak on, please send them to Diane at dburgos@nbbicard.com. We will research the topic and include our findings in our next month’s call. dburgos@nbbicard.com WHAT’S ON YOUR MIND?

30. POTENTIAL 25 K FREE CARD WINNER  If you are a winner, please contact Diane Burgos at 888-311-6224 x 119 or via email at dburgos@nbbicard.com to claim your cards by 4PM EST tomorrow. 820194945