1. USABG Eagle Division Total Protection Plus Appointment Setting

2. Fact-finding Questions TO QUALIFY: TO QUALIFY: Are you looking for coverage to begin right away? Are you looking for coverage to begin right away? What’s your situation? What’s your situation? Who are you insured with now? How long? Who are you insured with now? How long? Why now? Why now? Why did they buy a Health Plan? Why Life Insurance? Why did they buy a Health Plan? Why Life Insurance? If I could, Would you?? If I could, Would you?? TO QUOTE: TO QUOTE: How old are you? Spouse’s name and age? How old are you? Spouse’s name and age? How many dependent children will be covered? Their ages? How many dependent children will be covered? Their ages? Does anyone have any pre-existing health conditions? Does anyone have any pre-existing health conditions? Rx usage? Rx usage? Has anyone been hospitalized in the last 5 years? Has anyone been hospitalized in the last 5 years? Excluding wellness visits, does anyone go to the Doc more than 4 times a year? Excluding wellness visits, does anyone go to the Doc more than 4 times a year? Zip code? Zip code?

3. LEADS & TOOLS LEADS & TOOLS  LEADS 100 “B” Telemarketing Leads / Go Leads 100 “B” Telemarketing Leads / Go Leads 25 “A” Filtered Health Leads 25 “A” Filtered Health Leads  PHONES / INTERNET / HEADSET / LICENSE & APPT. FEES  IBOOMERANG GOLD Web conferencing tool + USABG Website Web conferencing tool + USABG Website Email Template Tool + Contact & Lead Management Tools Email Template Tool + Contact & Lead Management Tools  WEEKLY EXPENSES $450.00 $450.00

4. REASONABLE EXPECTATIONS REASONABLE EXPECTATIONS  “B” LEADS / GO LEADS 100 100 40% Contact Rate 40% Contact Rate 40 Contacts 40 Contacts  “A” LEADS 25 “A” Filtered Health Leads 25 “A” Filtered Health Leads 60% Contact Rate 60% Contact Rate 15 Contacts 15 Contacts  3 VERY GOOD PROSPECTS PER 25 CONTACTS  55 WEEKLY CONTACTS  55 / 25 = 2.2 X 3 = 6.6 X 50% = 3.2 SALES X $1,600 = $5,120  $5,120 -$500 = $4,620

5. How it’s good for you Today Associate Agent Level Commissions MY SALES IN SEPTEMBER MY SALES IN SEPTEMBER Health Insurance Health Insurance  $42,900 X 7% X 75%= $2,253 Accident Plans Accident Plans $4,200 X 28% X 75% = $882 $4,200 X 28% X 75% = $882_____________________________________________ Life & Critical Illness Insurance Life & Critical Illness Insurance $18,480 X 80% X 75% = $11,100 $18,480 X 80% X 75% = $11,100 Total = $14,235 Advance / $1,700 Tools / +$12,535 Total = $14,235 Advance / $1,700 Tools / +$12,535

6. Phone Script For “A” Leads Part #1 My Name is…Full Name With USABG My Name is…Full Name With USABG “You went on one of our websites looking for health insurance and your file was assigned to me. “You went on one of our websites looking for health insurance and your file was assigned to me. Are you looking for coverage to begin right away? Are you looking for coverage to begin right away? What is your situation? Why Now? What is your situation? Why Now? As you noticed from our website, we carry many companies, just in your zip I have 6 companies and over 300 options, which allows us to shop for you! How many of those options would you like to see?? As you noticed from our website, we carry many companies, just in your zip I have 6 companies and over 300 options, which allows us to shop for you! How many of those options would you like to see?? If I can solve your issues, can we do business?? If I can solve your issues, can we do business?? GO TO PART 2 !! GO TO PART 2 !!

7. Phone Script For “A” Leads Part #2  MR. Or Mrs._______,  Let me tell you about my plan and why I think you owe it to your family to talk with me..Then you tell me.. YEA or NEA..FAIR ENOUGH?? My agency has seen over $1 billion in claims, so we know by experience how quick a “MEDICAL CRISIS” can become a “FINANCIAL DISASTER” That’s why we custom build A plan called “TOTAL PROTECTION PLUS” Our plan has 3 parts that are dedicated to ; Your Health, Your Paycheck, Your Savings and Your Lifestyle. My agency has seen over $1 billion in claims, so we know by experience how quick a “MEDICAL CRISIS” can become a “FINANCIAL DISASTER” That’s why we custom build A plan called “TOTAL PROTECTION PLUS” Our plan has 3 parts that are dedicated to ; Your Health, Your Paycheck, Your Savings and Your Lifestyle. UNLIMITED LIFETIME MAJOR MEDICAL BENEFITS UNLIMITED LIFETIME MAJOR MEDICAL BENEFITS Unlimited Dr Co-Pays + Unlimited Rx** + Unlimited Wellness All With No deductible And No Waiting Period Unlimited Dr Co-Pays + Unlimited Rx** + Unlimited Wellness All With No deductible And No Waiting PeriodPLUS 100% COVERAGE ON THESE CATASTROPHIC EVENTS Cancer + Heart + Stroke + Kidney Failure + Accidents PLUS INCOME REPLACEMENT SO BILLS AND LIVING EXPENSES CAN BE PAID FOR UP TO 24 MONTHS INCOME REPLACEMENT SO BILLS AND LIVING EXPENSES CAN BE PAID FOR UP TO 24 MONTHS What would be a good time to custom build your plan?? What would be a good time to custom build your plan??

8. Phone Script For “B” Leads Part #1 My Name is…Full Name With USABG My Name is…Full Name With USABG Because of healthcare reform I’m following up with folks that requested a quote with us for health insurance in the last 12 months. Because of healthcare reform I’m following up with folks that requested a quote with us for health insurance in the last 12 months. Because of reform..plans are much better.. benefit wise..and price wise! Because of reform..plans are much better.. benefit wise..and price wise! LET ME TELL YOU..GO TO PART 2 !! LET ME TELL YOU..GO TO PART 2 !! AFTER PART 2: AFTER PART 2: I would like to email you a info pack to review. then call you in 24 hours to set a time to custom build your plan, fair enough?? I would like to email you a info pack to review. then call you in 24 hours to set a time to custom build your plan, fair enough?? THEN EMAIL TEMPLATE.. CONFIRM THEY RECEIVED IT !! THEN EMAIL TEMPLATE.. CONFIRM THEY RECEIVED IT !!

9. Phone Script Part #2 “B” Leads  MR. Or Mrs._______,  Let me tell you about my plan and why I think you owe it to your family to talk with me..Then you tell me.. YEA or NEA..FAIR ENOUGH?? My agency has seen over $1 billion in claims, so we know by experience how quick a “MEDICAL CRISIS” can become a “FINANCIAL DISASTER” That’s why we custom build A plan called “TOTAL PROTECTION PLUS” Our plan has 3 parts that are dedicated to Your Health, Your Paycheck, Your Savings and Your Lifestyle. My agency has seen over $1 billion in claims, so we know by experience how quick a “MEDICAL CRISIS” can become a “FINANCIAL DISASTER” That’s why we custom build A plan called “TOTAL PROTECTION PLUS” Our plan has 3 parts that are dedicated to Your Health, Your Paycheck, Your Savings and Your Lifestyle. UNLIMITED LIFETIME MAJOR MEDICAL BENEFITS UNLIMITED LIFETIME MAJOR MEDICAL BENEFITSPLUS Unlimited Dr Co-Pays + Unlimited Rx** + Unlimited Wellness All With No deductible And No Waiting Period PLUS 100% COVERAGE ON THESE CATASTROPHIC EVENTS Cancer + Heart + Stroke + Kidney Failure + Accidents PLUS INCOME REPLACEMENT SO BILLS AND LIVING EXPENSES CAN BE PAID FOR UP TO 24 MONTHS I would like to email you a info pack to review. then call you in 24 hours to set a time to custom build your plan, fair enough??

10. USABG SOLUTIONS PLUS APPLICATION PROCESS GETTING STARTED ON AMERICA’S BEST HEALTH PLAN USABG SOLUTIONS PLUS APPLICATION PROCESS GETTING STARTED ON AMERICA’S BEST HEALTH PLAN  Customer Application Checklist  So that you can complete the application easily and completely, be sure you have the following information available or each person applying for coverage.  Birth Date  Your Social Security Number  Height/weight for each person  Information on current and past health insurance plans (if applicable)  Medical history, such as dates of diagnosis, treatment, dates of service, and current status  Prescription drug information such as: drug names, dosages, and date initially prescribed.  Physician/treatment facility contact information  Payment information: For credit card payments, we accept Visa and MasterCard; for automatic bank withdrawal, please have your bank account number and bank routing number

11. Contact Information David L. Collins USA Benefits Group David L. Collins USA Benefits Group Eagle Division Eagle Division dc@usabg.net dc@usabg.net dc@usabg.net http://www.dc-usabg.com http://www.dc-usabg.com http://www.dc-usabg.com