1. November 2014 National Call Highlighting September/October Results Your Host: Michael Attardo, SVP Operations

2. September Top Producer Achievements ADC ProducersPercent Improvement from Prior Month Richard H., SC206% Larry M., TX176% Roy V., MS133% John D., AL132% Veronica M., AL117% Patricia H., MI105% Tammy A., MS102% Bob S., FL80% Jerry S., LA67% Richard A., NC54% Kimball H., TN48% Patsy W., NC38% Gregory G., MI34% Ruth G., AL28% Amy W., AZ18% CAP ProducersPercent Improvement from Prior Month Omar E., NJ48% William W., VA195%

3. September Top Sponsor Achievements ADC SponsorPercent Improvement from Prior Month Rhonda M., SC197% Virgie M., TX176% Allen L., MS105% Ruth G., AL98% Richard A., NC67% Mark M., OH51% Kim D., AL40% Walter L., TN36% Mary Pat W., TN36% Nehemiah T., MI33% Mark F., SC32% Charles W., SC19%

4. October Top Producer Achievements ADC ProducersPercent Improvement from Prior Month Diane H.,TX312% Mary E., L, 94% Darryl A., OH 81% Pat W., NC 58% Dorothy M., 42% Russ H., TN 39% CAP ProducersPercent Improvement from Prior Month Michael H., FL37% Veronica M., AL5% Doug W., NC4% Darryl A., OH4% Jerry S., LA4%

5. October Top Sponsor Achievements ADC SponsorPercent Improvement from Prior Month Robert B., TX312% Ainsworth M., MO81% Charles W., SC38% Mary Pat W., TN37% Ruth G., AL32% CAP SponsorPercent Improvement from Prior Month Danny P., FL12% Richard A., FL4% Ainsworth M., NC3% Charles W., SC2%

6. Let’s Give Away Some Free Cards! If your ID # is 820195284 congratulations you are a winner! Please contact Diane Burgos at 888-311- 6224 x 119 or via email at dburgos@nbbicard.com to claim your 10,000 FREE cards by 4PM EST tomorrow. Cards

7. September Team Call - Free Card Winners Russ H., TN Michael O., OH Natasha L., LA Sue G., AL Glenn B., FL

8. September National Call Card Winner Camden M., TX

9. October Team Call Free Card Winners Linda G. Monifa E. William P. Kristen D. Laurie P.

10. Welcome New Reps EbrimaJ., MI Adam K., UT RobertH., MD DonaldM., MN JerardoR., AL Gloria O., VA David H., KY Renee D., NJ SamuelI., TN PatriciaP., NY Lee K., HI Cory S., NC John R., IN Reps! Gale A., NJ KristenD., AL Glenn P., LA WilsonM., AK Barbara N., DE Harry R., OH Douglas C., CA GeorgeK., VA Charles G., WV Carla C., CA Mary Y., VA Susan B., NV RichardS., NY New Wayne S., NJ Lester H., NJ Stephanie C-H, CT Dave B., NJ WilliamB., NY Ann B., OH DamonH., IN David C., SC GeorgeH., FL Mae M., NY Kemo B., MI Jack G., CA Edwin M., PA 39

11. Leave Your Cards at Places Where People Take Multiple Medicines on a Regular Basis! Mental Health Clinics (Behavioral Health) Doctor’s Offices Clinics, Urgent Cares Community Action Agencies Social Service Agencies Home Health Agencies

12. America's Drug Card Pharmacy Report Every month you receive an email with a report that shows the pharmacies where your card was used in the preceding month. As your script counts increase, so will the pharmacies listed in the file. This information is helpful in determining if the participating pharmacies located in the areas where you distribute cards are processing scripts.

13. Let’s Give Away Some Free Cards! If your ID # is 820195213 congratulations you are a winner! Please contact Diane Burgos at 888-311- 6224 x 119 or via email at dburgos@nbbicard.com to claim your 10,000 FREE cards by 4PM EST tomorrow. Cards

14. Let’s go to New Orleans! As in past years, we continued with our theme WE ARE FAMILY, but this time with a twist - WE ARE FAMILY IN CHANGE! NBBi knows how to get a party started and this year was no different as we mingled on Thursday evening with “old” and “new” faces, the tone was set. Early the next morning we kicked off with an announcement that was joyfully received by all…

15. NEW COMPENSATION RATES! Every USA, CAP and ADC compensable script processed in 2015, under the new Bin Number 610709, will earn you $1.25! Every Rep who achieves: 500 compensable scripts, under the new Bin Number 610709 in one calendar month, by December 31st, 2014,; or Sponsors 10 new reps by December 31st, 2014, will receive $1.50 per compensable script under the new Bin Number 610709 for the 2015 calendar year!

16. Thanks to our Program Advisors for their informative Presentations Ruth G.How to Building a Successful Business Frank M.How to Handle Objections Joanne H.Precise Marketing Kim D.Thinking Outside the Box Ainsworth M.The Hispanic Market Daniel P.The Importance of Having a Supportive Partner These presentations are available in the back office under REP TOOLS > TRAINING TABS

17. Thinking Outside the Box I gave my accountant 800 drug cards to put in her newsletter for the information on taxes for next year. I don't have to ship or put in envelopes she does it all. She already shipped the cards before the end of the year. Debbie T.

18. What are your ideas? We want to hear from you! What other ideas can you share that will help get our cards into the hands of people ‘TAKING MULTIPLE MEDICATIONS ON A REGULAR BASIS’? TOGETHER EVERYONE ACHIEVES MORE!

19. Special Thanks to our Panel Reps Allen L.Success in Sponsoring Phil R. & Mary P.Custom Branding Panel Bobby S., Greg G., Darryl A. & Steve M.Top Rep Panel YOU ALL GET TENS!

20. BRAND EM! Custom Branding Panel Rep, Phil R., not only explained why branding is smart but while he was in New Orleans, he branded ten new accounts! Proving he is a Rising Star!

21. Branding - The Smart Option - Easy as 1,2,3! We cannot stress enough how “smart” it is to brand your accounts. Here are the benefits to them and to you: Benefits to them: 1.They can use the cards for advertising purposes by putting their logo or business information on one side of the card; 2.They can save money by using them as appt. cards; 3.They will create patient loyalty because you are helping them save money Benefits to you the Rep: 1.You don’t have to pay for the cards, we design, order and ship the cards directly to your account - saving you lots of money! 2.Insures no other cards will be distributed by this account; and 3.Ensures that this account remains yours as long as you service the account properly.

22. EXTRA INCOME AVENUE For those of you who might be interested in some extra revenue - we’d like to introduce Keystroke Guard and Keystroke Guard Mobile - available 1st quarter 2015 - they are the industry’s only patented security software, protecting online transactions, passwords, user credentials and access to sensitive data. Your clients (hospitals, clinics, doctors) will appreciate learning more about this product and its benefits. For more information: Terry Olivero - 888-311-6224 x 108

23. “Guess My Favorite Pass-time” Contest While at conference we had a contest. Congratulations to the 3 winners of 25,000 Free Cards: Phil R. Diego W. Cheryl D.

24. We had a Great time Tammy said I’m going home and put the cards in my car. Vera The 4th Annual Leader's Conference was the BEST YET! I think everyone had a really good time, and that each and every one of us learned something new to take our business to the next level! Kim LEADERS TALK… Just wanted to say that I thought this year's was by far the best one we've ever had, and this sentiment seems to have been echoed by several people I've spoken to. The best always. Danny We enjoyed the time as well. Looking forward to the coming changes and updates from the meeting, and implementing a few things we picked up. Todd Great, Great, Great conference. So informative, never boring. Everyone did a fantastic job and especially you guys who put this together. BIG KUDOS to all, Nicky There is much more of a "Family Feel.“ I personally enjoyed speaking with the reps that wanted my time one on one. Wow, such respect. Greg Thanks to all of you (the staff) It was a great time with my family. Diego & Beatriz There was a lot of interest expressed, and a lot of questions asked of me, after the panel presentation. I hope it stirred interest and creates a flood of branded card orders. I only managed to obtain branded orders for 10 locations in New Orleans while there, but I do have about 15 more to follow up on. Phil

25. Welcome to NOLA Ya’ll

31. At the KREWE OF BOO (that’s NOLA speak for Halloween Parade)

33. Getting some loot!

34. Gala Night…

37. Let’s Give Away Some Free Cards! If your ID # is 820195242 OR 970192073, congratulations you are a winner! Please contact Diane Burgos at 888-311-6224 x 119 or via email at dburgos@nbbicard.com to claim your 10,000 FREE cards by 4PM EST tomorrow. Cards

38. TESTIMONIAL MY CUSTOMER MS. DEB D CALLED ME LAST NIGHT FOR MORE CARDS. SHE HAS COPD AND NORMALLY HER COST IS $680.00. WITH MY CARD THE COST WAS $50.00. ALSO HER DAUGHTER WHO WAS SEVERELY BURNED IN AN ACCIDENT WAS PAYING $500.00 FOR HER PRESCRIPTIONS, AND WITH MY CARD THE COST WAS $65.00. IN ADDITION HER UNCLE SAVED CONSIDERABLY ON HIS PRESCRIPTIONS EVEN THO ON MEDICARE, BUT NO PRESCRIPTION DRUG COVERAGE. I'VE NEVER HAD A HAPPIER CUSTOMER. THEY HAD USED THE CARD FOR SOME TIME AND SHE TOLD ME DURING THIS TIME THEY HAD SAVED THOUSANDS OF DOLLARS. PAT W.

39. TESTIMONIAL I gave a casher at Cal Ranch an Americas Drug Card. She went to her sisters house to visit. Her sister son started to have seizures and they took him to the emergency room. His prescription was $200.00 they used the Americas Drug Card and it came to $28.00. When she told me what happened she started to cry. She said this card saved her sister sons life. So everyone in check out wanted a drug card. Debbie T

40. TESTIMONIAL “I want to let you know that I have rec’d your package and really I appreciate that. These card have been so helpful to our families who don’t have insurance. Thank you and have a wonderful holidays.” Ragheed R., World Relief Organization

41. YOU ARE SELF-EMPLOYED We occasionally receive calls from creditors seeking employment and/or income verification for our Reps. Please remember that you are not an employee of NBBI; you are a contractor for NBBI. As such, we should not be listed as an employer on any applications for credit. You are SELF-EMPLOYED and should be processed accordingly. Please do not list NBBI as an employer for any purposes.

42. What’s On Your Mind? 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

43. TEASER FOR DECEMBER CALL Tune in next month to find out how you can increase your down line and earning potential in 2015!

44. See You Next Time: December 30, 2014 From all of us at National Benefit Builders we would like to wish you and your family a very HAPPY THANKSGIVING Kevin, Barry, Ray, Michael and the Team!