2. A Company of Destiny Our Mission To create wealth for families Whether the goal is, saving for retirement, protecting your family or building tremendous wealth, FFS is totally committed to helping you make your dreams come true. Our System The vehicle that will allow us to succeed The FFS Business Building System gives our leaders a proven, predictable, and profitable turnkey plan for building and running a successful business. Our Vision To lead the 21 st century financial revolution FFS is determined to improve the saving habits of today’s families by bringing them the latest in financial services concepts and products. This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.

3. Problems Facing Americans Today Debt Trap U.S. consumer debt has doubled over the past ten years, with the average debt at $18,700 per U.S. household [excluding mortgages]; bankruptcy filings are estimated to have topped 1.8 million in 2005. 1 Lack of Security If you died tomorrow, your family could face financial devastation. The average death claim paid by the insurance industry in 1999 was $15,130. 3 Poor Savings Habits Today, savings rates are at their lowest levels since the Great Depression. For the first time since 1933, savings rates fell into negative territory at -0.5% in 2005. Americans either dipped into savings or increased their borrowing. 2 Retirement Woes Most Americans retire in poverty. According to the U.S. Census Bureau, 73.8% of Americans 65 and older retire on a combined income of private pension and Social Security of $10,000 or less a year. 4 1 Timothy Egan, “Debtors in Rush to Bankruptcy as Change Nears”, The New York Times Online, August 21, 2005. 2 Martin Crustinger, “Savings Rates at Lowest Levels Since 1933”, Associated Press, January 30, 2006. 3 Statistical Compilation of Annual Statement Information for Life/Health Insurance Companies in 1999* NAIC, 2000 4 Social Security Administration, 1996. Use for recruiting purposes only. Rising Cost of Living If you and your spouse earn $100,000 a year and want to retire in 18 years, with average inflation of 4%, you will need a little more than $200,000 a year to equal your current income of $100,000. Without the proper financial knowledge and tools, many families have given up on their dreams and feel that their financial future is hopeless.

4. Tracking 100 Americans from age 25 to 65 … 36 will be dead … 54 will be DEAD BROKE … 5 will still be working … 4 will be financially secure and 1 will be Financially Independent Where does your money go? The Facts Of Life What did the 5 financially successful Americans do differently? The Great Consumer Dilemma Insurance Savings/ Investments Living Expenses Consumer Debt 21% Mortgage 21% Taxes 28%

6. Use for recruiting purposes only. TIC-TAC-TOE Safety of Principal Fixed Products 1% to 3% Risk of Principal Equity Products Upside Potential Indexed Products

7. $100,000 Invested in 1997 This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only. The above graph is for recruiting purposes only and does not reflect any particular product or investment. Index Account assumes annual point to point with a 7% cap. Large company stock numbers provided by Yahoo Finance and calculated by FFS. Results may vary. Secret #1: Never Lose Money Protection & Potential Many people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both. $150,000 $140,000 $130,000 $120,000 $100,000 $160,000 $170,000 $90,000 $110,000 Indexed Account Large Company Stocks 8/1997 8/1998 8/1999 8/2000 8/2001 8/2002 8/2003 8/2004 8/2005 8/2006 8/2007 8/2008 8/2009 $149,937 $126,925 $139,237 $95,529 $115,449 $117,435 $129,330 $152,488 $133,977 $103,775 $134,631 $105,012 $114,490 $122,504 $122,504 $140,255 $155,476 $166,359 $150,073 $131,080 $107,000 $166,359

8. Secret #2: Compound Interest Compound Interest-The Rule of 72 Simply divide the number 72 by your expected rate of return to determine the number of years it will take your money to double. 65 $640,000 59 $320,000 53 $160,000 65 $160,000 47 $80,000 56 $80,000 65 $80,000 41 $40,000 47 $40,000 53 $40,000 35 $20,000 38 $20,000 41 $20,000 29 $10,000 29 $10,000 29 $10,000 Money doubles every 6 years Money doubles every 9 years Money doubles every 12 years Age 12% Age 8% Age 6% 65 $40,000 47 $20,000 29 $10,000 Money doubles every 18 years Age 4% “ The most powerful force in the universe is compound interest.” 1 - Albert Einstein "The person that understands compound interest will earn it. The person that does not will pay it!“ 2 - Albert Einstein 1 richnow.wordpress.com Secrets of the rich revealed, Don’t ignore The power of Compound Interest, Dec.6, 2006 2 Ibeatmybank.com/see_how_it_s_done.html

11. Secret #3: Tax Advantages Tax Deferred Accumulation Tax Free Distribution Tax Deductible Contribution Which would you choose? You can only get two of the three! FFS nor any of its associates offer tax advice. Please consult with your tax professional. Use for recruiting purposes only. Maximize Your Tax Advantages

12. Life Insurance - You don’t have to die to use -

13. Missed Fortune Video Douglas Andrew

16. Indexed Annuity News

19. Equity Sharing Plan

20. Let’s Show The Money How Much Do You Want to Make?