1. Three Industries. Three Opportunities. ERS Summit - Core Leadership Meeting Date: 1/4/14 © 2013 ERS LIFE LLC | For Training Purpose Only

2. Client’s Value Proposition Client Real Estate InsuranceMortgage

3. Broker’s Value Proposition The Traditional BrokerTop Producers Broker License Brick & Mortar Admin/Staff Back office Liability Trials & Errors Capital & Time

4. The Comp Plan War Traditional Agency3X3 System ReMax C.B., The ABC “Keller Williams” Primerica, WFG PFA, FEG, FFS, FRA Elite R. E. Elite Mortgage ERS Life Stair Steps | MLM © 2013 ERS LIFE LLC | For Training Purpose Only

5. Bottom Line, the Goal is… 100 Agents $100,000 100 X $1000 = $100,000 Broker $1,200,000 $100,000 X 12 Months = $1,200,000 © 2013 ERS LIFE LLC | For Training Purpose Only

6. The Science of ERS ERS HQ OaklandFairfield San Francisco Artesia Las Vegas

8. ERS Associate’s Value Proposition ERS MembersTop Producers Leverage License 50+ Branch Offices Collaborative Network Admin/Staff Back office Matching Contract Residual Income Ownership Leads © 2013 ERS LIFE LLC | For Training Purpose Only

9. ERS’s Value Proposition For Agents Match Contract (%) Team Building/ Brokerage within a Brokerage Profit Sharing/Equity Partnership Coming Soon - Leads ERS CVSDOSCMSFOAKSACNVNYNJTXFL You

10. ERS’s Value Proposition For Agents Match Contract (%) Team Building/ Brokerage within a Brokerage Profit Sharing/Equity Partnership Coming Soon - Leads ERS 25%10%25% You $500 $450

11. ERS’s Value Proposition For Agents Match Contract (%) Team Building/ Brokerage within a Brokerage Profit Sharing/Equity Partnership Coming Soon - Leads ERS 75% 25% 50% 10% 75%50%75%50% 75% You $1500 -$500 =$1000 $2250 -$450 =$1800

12. A Unique Opportunity Branch Owner Realtor Mortgage Agent Insurance Agent A Team 10 Key Leaders ERS Associate Traditional Agency Building a MLM Model Support/Admin Office Broker

13. Elite “San Diego” Owner ERS HQ Owner (Costa Mesa) Financing Builder Processing Audit/Accounting Training/ Licensing Your ERS Network Elite “San Francisco” Owner Elite “New York” Owner Build Your ERS Branch Office! Powered by ERS Platform Build Your ERS Branch Office! Powered by ERS Platform “Long-term expansion and growth will be obtained through strategic alliances, referrals from the existing network, and a comprehensive marketing program.”  No Major Investment  No Loss of Job Security  No Inventory  No Accounting  Unlimited Territory  Unlimited Opportunity  No License Required (Real Estate & Mortgage Side) “ It’s about working smarter, not harder. ”

14. ERS Associate’s Value Proposition ERS MembersTop Producers Leverage License 50+ Branch Offices Collaborative Network Admin/Staff Back office Matching Contract Residual Income Ownership Leads © 2013 ERS LIFE LLC | For Training Purpose Only

15. Running a Licensing Factory “One Agent at a Time” Business Owner ERS Acadamy Licensed Agent © 2013 ERS LIFE LLC | For Training Purpose Only

16. STEP 1A: Product of a Product Non-License Agent ERS Academy =Reimbursement Program Non-License Agent ERS Academy =Reimbursement Program Fast Track Program Licensed Already Track

17. Step 1B: Fast Track Program Insurance 3/3/30 Fast Start 3 Sales (Average $250 month) 3 Recruits 30 days Promotion: 70% Writing Contract 5/5/50 Fast Start 5 Sales (Average $250 month) 5 Recruits 50 days Promotion: 70% Writing Contract Real Estate & Mortgage Real Estate Fast Track Earn While You Learn. Be a T.C. For The Deal Mortgage (BDR) Fast Track Earn While You Learn. Be a T.C. For The Deal © 2013 ERS LIFE LLC | For Training Purpose Only

18. Step 2: Build a List Your 10 Key Leaders 1.90 Days Madman Cycle 2.21 Personal Recruits 3.Have 500+ Agents (80/20 Rule) = 100 Agents 1 Team had 30 Licensed Agents ERNIE’S TEAM 21 Personal Recruits

19. Your 10 Key Leaders (A Team)

20. STEP 3: Launch Yourself Certified Field Trainer Program TrainerTrainee 1) Experienced trainer 2) Reimbursement Program 3) Help Trainee to Recruit 1) Experienced trainer 2) Reimbursement Program 3) Help Trainee to Recruit 1)Get train by the best. 2)Get a higher contract! 3)Internal Sale 1)Get train by the best. 2)Get a higher contract! 3)Internal Sale

21. Step 4: Plug In… Your Factory Plugin MeetingProduct Training EBO Advance Training ProducerBrokerBuilder Super Saturday Training New Guests © 2013 ERS LIFE LLC | For Training Purpose Only

22. Hybrid Broker’s Value Proposition Big Boys Franchise Model One Stop Shop Mom & Pop Brokerage

23. Hybrid Broker’s Value Proposition A System to Grow (Agents Placement) Nationwide Network (50+ and growing) Mortgage Operation Insurance Operation (Wholesale Contract) Marketing/Training Support Leads Generation The Big Boys 200 to 500 agents The Contender 100 Agents Mom & Pop

24. The Critical Mass Harvard University Said when a MLM company “reach what is called "critical mass", (sales go vertical right off the graph)” When the company reaches "critical mass", distributors automatically experience a ten fold increase in their earnings. In other words, $1,000 per month becomes $10,000 per month. This is the reason for getting involved on the "ground floor" so you will experience the benefits of explosion growth..

25. Thank you! © 2013 ERS LIFE LLC | For Training Purpose Only