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2. FIA is a One-Stop Financial Center, helping people take charge of their family’s future. 2 FIA helps bring Equity Indexed Products to middle America by helping clients make money when the stock market is up, never losing money when the market is down and accessing their money tax free at retirement. FIA offers a variety of insurance products such as indexed life, indexed annuities, term insurance and more. One-Stop Financial Center

3. Age 2% Money Doubles Every 36 Years 29 $100,000 65 $200,000 * These hypothetical examples are for illustrative purposes only and do not represent any particular investment vehicle. The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of return. The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty. The Rule of 72 Divide 72 by the interest rate to estimate the number of years it takes for your money to double. Age 8% Money Doubles Every 9 Years 29 $100,000 38 $200,000 47 $400,000 56 $800,000 65 $1,600,000 Age 10% Money Doubles Every 7.2 Years 29 $100,000 36.2 $200,000 43.4 $400,000 50.6 $800,000 57.8 $1,600,000 65 $3,200,000 The person with the most “doubles” wins. Average 401kActive Money ManagementIndexed Products * Average 401k taken from the book “The Great 401(k) Hoax” by William Wolman 3 Albert Einstein's 9 th Wonder: Compound Interest

4. Safety of Principal Fixed Products 1% to 4% Risk of Principal Variable Products Upside Potential Indexed Products 4 Types of Investments: TIC-TAC-TOE

5.  They are fixed interest rate products that earn interest based on the potential of an index  Protect your principle and earned interest from loss  Long term savings vehicles designed to accumulate cash on a tax deferred basis  Guarantee a lifetime of income. 5 What are Equity Indexed Products

6. $150,000 $140,000 $130,000 $120,000 $100,000 $160,000 $170,000 $90,000 $110,000 $100,000 Invested in 1997 Indexed AccountLarge Company Stocks Many people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both. 8/19978/19988/19998/20008/20018/20028/20038/20048/20058/20068/2007 11/2008 $149,937 $126,925 $139,237 $95,529 $115,449 $129,330 $117,435 $152,488 $133,977 $103,775 $96,845 $114,490 $122,504 $140,255 $155,476 $166,359 $150,073 $131,080 $107,000 $166,359 6 Indexed Products VS. Large Company Stock Protection & Potential

7.  People who are dissatisfied with interest from CDs or other fixed rate savings accounts  People who don’t have the time or temperament for the stock market  People who are tired of losing money in the stock market and want investments with guarantees to never lose money  Still would like to participate in the returns of the market without having any money actually in the market  People who want to grow & access their money tax free at retirement  People who want liquidity 7 When are Indexed Products Appropriate?

8. 1 Equity Indexed Annuity… $5,000 1 Equity Indexed Life… (year 1 only) $2,400 Annualized Income: $88,800 $7,400/mo. 8 Personal Production Compensation Equity Indexed Annuity income is based on a $100,000 account where Equity Indexed Annuity is paying 10% gross commission. Equity Indexed Life is based on client paying a $500 a month premium where CTP is $4,800. Hypothetical example.

9. Annualized Income: $301,920 9 Personal and Team Compensation Equity Indexed Annuity income is based on a $100,000 account where Equity Indexed Annuity is paying 10% gross commission. Equity Indexed Life is based on client paying a $500 a month premium where CTP is $4,800. Hypothetical example. Team overrides are based on a Division Director (64%) overriding a team of 5 agents where each agent is doing 1 transaction a month and is at an Intern level (40%). Commission level. 1 Equity Indexed Annuity $5,000 1 Equity Indexed Life $2,400 $7,400/ mo. Personal Production 5 Equity Indexed Annuity $12,000 5 Equity Indexed Life $5,760 $17,760/ mo. Team of 5 Agents