1. TEXAS NEXUS * Just click mouse or keyboard to move onto next slide

2. Corporate Structure There are two facets to our business: Sales & Marketing Sales & Marketing Product Design & Development Product Design & Development

3. Our Company History & Who We Are The Sales and Marketing Side The Sales and Marketing Side Texas Nexus Texas Nexus Founded in 2006, San Antonio, TX Founded in 2006, San Antonio, TX We are a sister company to Pinnacle Brokerage Firm, HQ in Houston, TX We are a sister company to Pinnacle Brokerage Firm, HQ in Houston, TX One of the fastest growing divisions for Pinnacle Brokerage Firm One of the fastest growing divisions for Pinnacle Brokerage Firm Account for over 1.8 million in NAP since our inception, with over 30% growth every year. Account for over 1.8 million in NAP since our inception, with over 30% growth every year. Currently represented by agents in San Antonio, Corpus Christi, El Paso, Houston, and The Rio Grande Valley Currently represented by agents in San Antonio, Corpus Christi, El Paso, Houston, and The Rio Grande Valley

4. Our Company History & Who We Are Our Partner Pinnacle Brokerage Firm Our Partner Pinnacle Brokerage Firm Founded in 2002, HQ in Houston, TX Founded in 2002, HQ in Houston, TX The largest, fastest growing & most profitable of the 20+ brokerage companies that sell the products we do The largest, fastest growing & most profitable of the 20+ brokerage companies that sell the products we do Account for 36% of all business sold for our underwriter Account for 36% of all business sold for our underwriter

5. Product and Development Side Family Heritage Family Heritage Founded by Howard Lewis and Jerry Grabowski Founded by Howard Lewis and Jerry Grabowski Founded in 1989 Founded in 1989 Headquartered in Cleveland, Ohio Headquartered in Cleveland, Ohio Over $100 Million in Assets Over $100 Million in Assets Over $1 Billion in Receivables Over $1 Billion in Receivables

6. The Products We Sell Supplemental Health Benefits Supplemental Health Benefits We pay our policy holders, not doctors & hospitals We pay our policy holders, not doctors & hospitals The key difference that sets us apart from the competition in the supplemental marketplace is the RETURN OF PREMIUM feature on our products. The key difference that sets us apart from the competition in the supplemental marketplace is the RETURN OF PREMIUM feature on our products. This means if our clients never get sick or hurt, all of their payments go into a savings plan. After the state appointed time (usually retirement age), all of their premiums are refunded. This means if our clients never get sick or hurt, all of their payments go into a savings plan. After the state appointed time (usually retirement age), all of their premiums are refunded. Here are the different types of coverage we offer. Here are the different types of coverage we offer. 1. Cancer4. Intensive Care 2. Heart and Stroke5. Accident 3. Hospital Indemnity6. Life

7. Why We Sell Supplemental In a word: Persistency Life Insurance: 2 – 4 years Life Insurance: 2 – 4 years Cancer Insurance: 5 – 7 years Cancer Insurance: 5 – 7 years Cancer Insurance w/ROP: 16 years Cancer Insurance w/ROP: 16 years

8. Who We Sell To Our Target Markets are: Small & Medium Businesses Small & Medium Businesses Individuals & Families Individuals & Families Referrals Referrals

9. How We Sell Our Products Our Prospecting Methods: Our Prospecting Methods: We teach our sales force a strict referral based method called Pre-Approach. We teach our sales force a strict referral based method called Pre-Approach. After that, 70% to 80% of your sales should come from warm calls & referrals. After that, 70% to 80% of your sales should come from warm calls & referrals.

10. Is This Business A Good Fit For Me? If you are motivated, results-driven and energetic, Texas Nexus is the place for you. If you are motivated, results-driven and energetic, Texas Nexus is the place for you. We Offer : We Offer : Great Pay Plans Stock Options Lifetime Renewals Cash Bonuses Incredible Travel Incentives

11. The Product Presentation The product presentation that follows is set up as you would present it to a Business Owner or Family. It takes about 10 minutes to explain in person. The product presentation that follows is set up as you would present it to a Business Owner or Family. It takes about 10 minutes to explain in person. Ask yourself Three Questions Ask yourself Three Questions Do I think its a good product? Do I think its a good product? Could I learn to present it? Could I learn to present it? Out of 30 presentations per week, how many would apply for coverage? Out of 30 presentations per week, how many would apply for coverage?

30. Why We Do So Well Our average plan sells for only $63.00 a month or $750.00 a year ________________________________________ The key to success is consistent activity. The key to success is consistent activity. Present to Business Owners and Families Present to Business Owners and Families 8 Hours per day 5 Days a week 8 Hours per day 5 Days a week 6 Presentations per day 6 Presentations per day

31. First Year Commissions The average yearly premium is $750.00. The average yearly premium is $750.00. Our sales professionals will see 6 prospects per day or 30 per week. Our sales professionals will see 6 prospects per day or 30 per week. The average first year sales professional will sell an average of 6 policies per week. The average first year sales professional will sell an average of 6 policies per week. Our sales professionals earn 30% commission on the annual premium sold for the first 12 months. Our sales professionals earn 30% commission on the annual premium sold for the first 12 months.

32. GROSS INCOME EARNINGS EXAMPLE 1 sale a day = $65,000.00 2 sales a day = $130,000.00

33. Renewal Commissions Beginning with the second year, you will be paid a renewal commission for every active policy. Beginning with the second year, you will be paid a renewal commission for every active policy. Full vesting after only five years locks you into a permanent income, regardless of your future affiliation with Family Heritage. Full vesting after only five years locks you into a permanent income, regardless of your future affiliation with Family Heritage. Yr.2 =50% Yr.3 =60% Yr.4 =70% Yr.5 =100% Your lifetime renewal commission is 2% for the life of each policy sold. Your lifetime renewal commission is 2% for the life of each policy sold.

34. Renewal Earnings Example 1 sale a day = $38,000.00 2 sales a day = $76,000.00 Your renewals are paid out over the life of the policies sold.

35. Company Incentives Quarterly Cash Bonuses Quarterly Cash Bonuses Monthly Cash Bonuses Monthly Cash Bonuses 2 Company Meetings A Year At Vacation Destinations 2 Company Meetings A Year At Vacation Destinations 2 Incentive Trips A Year To Amazing And Fun Destinations 2 Incentive Trips A Year To Amazing And Fun Destinations Company Stock Company Stock Stock Dividends Stock Dividends

36. Leadership & Management Income Our Leaders earn a 5% first year commission on the total first year annual premium produced by their team. Our Leaders earn a 5% first year commission on the total first year annual premium produced by their team. Our Leaders also earn a 1% lifetime renewal commission on those premiums from month 13 forward. Our Leaders also earn a 1% lifetime renewal commission on those premiums from month 13 forward. A 5 person team that sells one app a day each will bring in a Leader an additional $50,000.00 a year in first year earnings as well as an additional $88,000.00 a year in lifetime renewal earnings. A 5 person team that sells one app a day each will bring in a Leader an additional $50,000.00 a year in first year earnings as well as an additional $88,000.00 a year in lifetime renewal earnings.

37. Company Stock Options Every time a Sales Professional sells one application they earn one: Every time a Sales Professional sells one application they earn one: Pre-IPO Stock Option FHL Stock has grown at a rate of approximately FHL Stock has grown at a rate of approximately 28% a year for the past 17 years All Option Holders also receive a All Option Holders also receive a Cash Bonus (Dividend) FHL Equity Bonuses have grown over: 20% a year for the past 16 years

38. What It Takes To Get Started What It Takes To Get Started 1 st You must obtain a Life, Accident and Health Insurance License in your home state. Depending on the state you live in, the cost for licensing will range from $200 - $250. 1 st You must obtain a Life, Accident and Health Insurance License in your home state. Depending on the state you live in, the cost for licensing will range from $200 - $250. We can also reimburse your license fees after you write your first 60 apps! 2 nd You must attend our Corporate Sales School training program. It lasts 1 week. We pay your airfare and lodging expenses while you are there. 2 nd You must attend our Corporate Sales School training program. It lasts 1 week. We pay your airfare and lodging expenses while you are there. This is where we will teach you everything you need to know in order to do well in our business.

39. What It Takes To Get Started 3 rd Once out of training class, you will then be in a 2 week detailed Field Training program. This is where you will be accompanied in the field, by an experienced sales trainer to help you get up and going. 3 rd Once out of training class, you will then be in a 2 week detailed Field Training program. This is where you will be accompanied in the field, by an experienced sales trainer to help you get up and going. 4 th The turn around time for your first paycheck is about 2 weeks from the time you start your pre-license training class. 4 th The turn around time for your first paycheck is about 2 weeks from the time you start your pre-license training class.

40. 3 Questions And Answers To Ask In Order To Work With TEXAS NEXUS 1.Have you ever been convicted of, plead guilty or no contest to a felony? 1.Have you ever been convicted of, plead guilty or no contest to a felony? Must be No 2.Is minimal travel a possibility for you? 2.Is minimal travel a possibility for you? Must be Yes 3.What is the time frame for you in starting a new career? 3.What is the time frame for you in starting a new career? Must be less than 1 month

41. Where Do You Stand? What appeals to you the most about our Opportunity? What appeals to you the most about our Opportunity? On a Scale of 1 to 10 : How interested are you in being considered for a position with Texas Nexus? On a Scale of 1 to 10 : How interested are you in being considered for a position with Texas Nexus? If you are at an 8 or higher then you are definitely a candidate for us to talk with.

42. Its That Simple Thats the job in a Nutshell. Thats the job in a Nutshell. If you are definitely interested in pursuing a career with Texas Nexus, please make sure to contact us our contact information on our websites contact page If you are definitely interested in pursuing a career with Texas Nexus, please make sure to contact us our contact information on our websites contact page www.texas-nexus.com www.texas-nexus.com So, Goodbye for now! Have a Fantastic Day! So, Goodbye for now! Have a Fantastic Day!