Company Overview and oppurtunity for licensed agents and non-licensed agents.

1. Real Hope, Real Opportunity Real Freedom for Real People

2. Who is Helping Build Wealth? Representing multi-billion dollar companies who provide Safety, Security and Value to our clientele. National Financial Services Marketing Organization dedicated to providing outstanding products and services for the growing under-served middle American consumer. A highly trained and competent Sales, Sales Management and Administrative staff that can provide you with the Tools necessary to prepare for and protect your financial future.

3. To Help Build Wealth for the vast under-served middle American consumer by offering quality financial products and services. The Products and Services we offer are designed to help people properly protect their families, while helping them reach their financial goals and achieve their dreams. The HBW Vision

4. Then why is it that most Americans retire in poverty? It’s not what you earn that counts, it’s what you keep. The median annual income for those age 65 and older is just $16,770* * U.S. Department of Commerce, February 2008 You’ll Earn a Fortune in Your Lifetime Average Income Over 40 Years Lifetime Earnings $25,000 $1,000,000 $50,000 $2,000,000 $75,000 $3,000,000

5. $2,000 Invested @ 8% for 20 Years = $9,322 Minus $3,000 for a New Refrigerator = $6,322 Net Gain >> How Money Works Quiz: Three Refrigerators have a Guaranteed 20 Year Life Span. If price was not an issue, which one would you choose? Choice A Choice B Choice C Today’s Cost $1,000 $2,000 $3,000 Replacement Cost $3,000 FREE FREE + $3,000 Refund

6. How Money Works How Money Doubles... The Rule of 72 72 ÷ % = Years to Double Money For example, if a 30 year old person made a one-time deposit of $2,000 in an account at 3%, it would double every 24 years. At age 54 that person would have $4,000, and at age 78 they would have $8,000. By using the rule of 72 as a guide, you can determine about how many years it could take to double your money at a certain rate of return. Be sure to consider the impact of taxes. The rule of 72, by itself, does not distinguish between before-tax, after-tax, or deferred tax rates or returns.

7. How Money Works Let’s Compare Results! Consider the same 30 Year old Person, and the same $2,000 One-Time Deposit This illustration is for hypothetical purposes only and does not represent any specific investment. “ The most powerful force on Earth is the power of compound interest!” Albert Einstein 72 ÷ 12% = 6 Years Age 30: $2,000 Age 54: $4,000 Age 78: $8,000 72 ÷ 3% = 24 Years Age 30: $2,000 Age 42: $4,000 Age 54: $8,000 Age 66: $16, 000 Age 78: $32,000 72 ÷ 6% = 12 Years Age 30: $2,000 Age 36: $4,000 Age 42: $8,000 Age 48: $16,000 Age 54: $32,000 Age 60: $64,000 Age 66: $128,000 Age 72: $256,000 Age 78: $512,000

10. This illustration is for hypothetical purposes only and does not represent any specific investment. $350/Month $750/ Month $1,800/ Month $5,600/Month What Procrastination Costs You Assuming your goal is to accumulate $1,000,000 by age 65 Based on a 7.5% return

12. Example: A 35 year old Husband, his Wife and 2 Children Buy Term And Save The Difference * Based on the current rates available to HBW as of 9/1/2010 **Example of actual client. Actual case was written in 2007 That’s a monthly savings of $65.00! Invested @ 7.5% for 30 years = $86,700 Permanent Existing Policy** Husband $38,000 Wife $50,000 Children $50,000 Monthly Premium $130 Example 30 Year Term* $500,000 $250,000 $10,000 $65*

17. How Are You Doing? What are you doing to make the next five years better than the last five years? Are you satisfied with your job? ...with your opportunities to advance? ...with the money you make and save? ...with your standard of living? >>

20. Source: The Millionaire Mind, 2000 The Wealthy 1% Lottery / Inheritance 1% Physicians 9% Attorneys 10% CEOs / Presidents 16% Salespeople, Accountants, Teachers, Engineers, Architects, Housewives 32% Entrepreneurs 32%

22. Source US Census Bureau Historical & Projected US Population 160,000 Agents Pop. 297 Million Agents And Population Projection Pop. 420 Million 60,000 Agents Year 2010 Year 2050 In 1970 there was one life agent for every 800 people. Currently there is one life agent for every 1,856 people. Assuming the 2% annual decline from the past three decades will continue and the projected population growth, there would be only 60,000 agents and a US population of over 420 million people. That equates to one life agent for every 7000 people. This is a very exciting prospect when considering the financial services industry as a career.

25. $10,000 a Day for 31 Days = $310,000 or... A Penny a Day Doubled for 31 Days Going Into Business For Yourself Long Term Rewards vs. Instant Gratification >> 25 $167,772.16 26 $335,544.32 27 $671,088.64 28 $1,342,177.30 29 $2,684,354.60 30 $5,368,709.10 31 $10,737,418.20 1 $0.01 2 $0.02 3 $0.04 4 $0.08 5 $0.16 6 $0.32 7 $0.64 8 $1.28 9 $2.56 10 $5.12 11 $10.24 12 $20.48 13 $40.96 14 $81.92 15 $163.84 16 $327.68 17 $655.36 18 $1,310.72 19 $2,621.41 20 $5,242.88 21 $10,485.76 22 $20,971.52 23 $41,943.04 24 $83,886.08

26. The Power of Compounding People >> 9 27 81 243 729 2187 3 Level 2 1 4 2 8 3 16 4 32 5 64 6 128 7

28. Income Example With HBW AVP level 100%, Rep level 50% Life Policy: Male age 40 std. $350,000 female age 38 std. $250,000 = $712 x 4 = $2848 Premium Living Trust commission AVP 70%, Rep 35% of $500 Equity-Indexed Annuity $40,000 x 8% xAVP 90%, Rep 45% Income Example Helping two families per month, with just three of our eight lines of business! Line of Business Rep AVP Term Life $1424 $2848 Indexed Annuity ($40,000) $1440 $2880 Living Trust $350 $700 Total Per Month $3214 $6428

30. Real Hope, Real Opportunity, Real Freedom for Real People! Corporate Leadership At HBW our success is based on providing our representatives with the tools necessary to prosper in today’s ultra-competitive marketplace. Our business philosophies are based on honesty, integrity and hard work. Raymond Berry is a Hall of Fame Wide Receiver and 1985 NFL Coach of the Year. "If you are serious about winning, you should consider working with HBW because we are serious about winning too." HBW's goal is to develop the largest independent marketing organization in the financial services industry, by creating an environment that allows our associates unprecedented opportunity to excel and succeed. Barney Hellenbrand Raymond Berry Co-Founder & CEO Co-Founder & Honorary Chairman Dan Ward Co-Founder & COO

31. For A Motivated Person, HBW Is One Of The Great Business Opportunities in America