1. President/CEO ALEX ABUYUAN

2. The Interview Process This is the first step in a two step interview process You were identified either by resume or referral as a potential candidate for our program This first step is a business overview to go into detail about our company and the positions for which we are hiring The second step is for you to decide if you want to continue to be considered for a position and to schedule a final interview

3. Positions Personal Producer Sales – $20,000 to $40,000 Part-Time – $50,000 to $136,000 Full-Time First Year General Agent – $56,000 Override (Residual) Income Part-Time – $205,000 Override (Residual) Income Full-Time

4. Character Counts Looking for the right people that exhibit the character that embodies success in our system – High standard of Integrity Adding value to clients with their best interests in mind – Coachable Following a system of success – Work Ethic Working smart Result – Control of time – Control income – Positive Attitude

5. We are Problem Solvers Protecting Retirement Savings – Fixed Annuities Protect Homes/Lifestyle – Death & Disability Provide Tax Free Retirement Programs Market Viability $22 Trillion Transfer Of Wealth

6. Example Solutions Mortgage Protection Client – Mortgage: $125,000 30 year mortgage – Client: Male, 35 years old, non-smoker, takes high blood pressure medications and is an oral diabetic – Program: 30 year term program $125,000 level death benefit Return of Premium rider (refunds all premiums paid at end of term) $1250 disability program (pays mortgage payment if disabled) – Price: $65.53/Mo and with the return of premium will receive $23,508 at the end of the term – Agent Commission at 75% commission level: $590 Retirement Protection Client – Client has $250,000 in a 401K that he can roll into one of our annuities – One of our programs bonuses 10% to the client’s annuity account – Client receives credit for $275,000 deposited – Agent Commission: $17,500

7. Example Solutions Tax Free Retirement Client – Client: Male, 35 year old, physician seeking to retire tax free, good health profile – Puts in $20,670 per year into one of our Fixed Indexed Universal Life Programs for 30 years with a starting death benefit of $700,000 – Money grows tax free at a 7.75% interest rate average – By age 66 has $1,972,911 in his account value and $2,672,911 in life insurance death benefit for his family – He can take out $135,373 per year at age 65 for the rest of his life tax free no matter how long he lives – If he dies at age 82, he will pass on to his family $2,332,004 death benefit tax free – Agent Commission at 75% commission level: $15,503

8. Our Partner Companies We represent the top, grade A financial companies

9. 2002 Superior Performers 100 Sales Per Week / $9 Million Total Sales $3MM + $1MM + $500K + $250K + $100K + $ 50K + $1 - 50K $ 0 Legend Location of top agencies

10. 2010 Superior Performers 1900 Sales Per Week / $580 Million Total Sales Since 2002 Currently averaging 2300 sales per week – 40% higher since last year $3MM + $1MM + $500K + $250K + $100K + $ 50K + $1 - 50K $ 0 Legend Location of top agencies

11. Our Business System Our Marketing System to Identify the Client – NO COLD CALLING – Optional Lead program where our clients want to meet with us – Direct Mail, Internet, Tele-marketed, Call-in – Instantaneous delivery of leads to agents Our Sales System to Serve the Client – 45 minute, no pressure, one night close system – High closing rates in the home – 55% to 80% Our Support System to Serve the Agent – Comprehensive training and support program guaranteed to help you succeed if you use it

12. A Lead Example Qualified Mortgage Lead -They don’t shop on the internet - They don’t have a brother in the insurance business - They don’t stop by the local State Farm office -They don’t have someone to help them... -They want our help!

13. Personal Production income projections

14. Personal production – part time Two appointments per week – close 1 sale per week (Only selling mortgage protection - retirement protection or tax free retirement sales not included) – Average Sale: $755 Annualized Premium – $755 * 55% = $415/wk – Time Commitment: 5 hours/Wk Total Income – $415/wk * 48 weeks – $20,000 Annual Income 1 sale a week: $20,000 2 sales a week: $47,000+

15. Personal production – full time Ten appointments per week – close 5 sales per week (Only selling mortgage protection - retirement protection or tax free retirement sales not included) – Average Sale: $755 Annualized Premium * 5 Sales – $3,775 * 75% = $2,831/wk – Time Commitment: 25 hours/Wk Total Income – $2,831/wk * 48 weeks – $136,000 Annual Income

17. General Agent income projections

18. General Agent Position Description General Agent – Recruit part-time and full-time producers – Plug recruits into our licensing program – Plug licensed agents into our training program – Get the direct mentorship from the General Agent Develop the kind of “PERMANENT” income that goes beyond your own capacity to work – Doing the work ONCE and getting paid for it month after month, year after year – Break the trading hours for dollars cycle – What General Agents do in the insurance world to develop override income – Optional and can start with a small agency of a few people

19. Promotion Guidelines Contract LevelTitleIssued Paid Production Level 110%Master Manager$300,000 Annual Premium 3 Months 105%National Manager$200,000 Annual Premium 3 Months 100%Level 3 Manager$150,000 Annual Premium 3 Months 95%Level 2 Manager$100,000 Annual Premium 2 Months 90%Level 1 Manager$75,000 Annual Premium 2 Months 85%General Manager$50,000 Annual Premium 2 Months 80%Regional Manager$25,000 Annual Premium 2 Months 75%District Manager$15,000 Annual Premium 2 Months 70%Manager$10,000 Annual Premium 2 Months 65%Assistant Manager$5,000 Annual Premium 2 Months 60%Agent$2,500 Annual Premium 2 Months 55%New Agent

20. Agency Building – part time Total Agency Volume: $51,340/Mo General Manager 85% 55% 55% 0 Personal Production – 1 Sale Per Week – Average Sale $755 Annualized Premium – $755 * 85% = $642 – /wk Income Agency of 16 Part-timers – 16 x $755 (1 per wk) = $12,080 AP/wk – $12,080 * 30% = $3,624 – /wk Income Total Income – $642/wk * 48 weeks = $31,000 Personal – $3,624/wk * 48 weeks = $174,000 Override – $205,000 Annual Income

22. Next Step Decide if you want to continue with the interview process Set up the next interview with me – Alex Abuyuan – Contact my assistant Chandelle Young cyoung@abnfinancial.com – Copy my Email: alex@abnfinancial.com – Office phone: (937) 435-7540 Be prepared to discuss: – How your background and experience qualifies you to work with me – The position/s you seek – What your specific income goals are Short term (30 to 60 days) Long term