1. Frank Codina , NSD, OSJ, CPN Regional Vice President Registered Representative

2. THERE IS A STORM BREWING ON THE HORIZON Retirement Rollovers Mortgages Life Insurance Long Term Care Debt Crisis

3. There is a Debt & Savings Crisis in our Country Debt Goes Up Average credit card debt per U.S. household: Savings Go Down Personal saving as a percentage of disposable personal income: 7% -1.1% $9,312 $2,966 8% 4% ‘ 90 ‘ 95 ‘ 00 ‘ 05

4. There is Also a Retirement Crisis on the Horizon Almost half of all workers think they’ll still be working at age 65 or older! 1 2. USA Today, March 30, 2005 Almost one-third of workers said they determined how much they would need for retirement by guessing. 2 Now more than ever, people are worried about their retirement as Social Security issues are on TV and radio on a daily basis. 1. Money, February 2005

5. There is Currently a Protection Crisis in America Experts recommend coverage of 8 - 12 times your annual income. 1 2. National Underwriter, September 20, 2004 3. National Underwriter, April 25, 2005 Without adequate life insurance, many families will experience financial devastation upon the death of a loved one. 1. Kiplinger’s, January 2005 59% of households have no individual life insurance at all. 44% of households believe they need more life insurance. 3 59% of households have no individual life insurance at all. 2

6. The Wall Street Journal, February 17, 2005 Why is this happening? “… more and more agents prefer to focus on the affluent market than on the middle market…” “ The ‘need’ in the middle-income markets, however, greatly exceeds the industry’s capacity to adequately serve these markets.” The Middle Income Market Is Being Ignored!

8. Example: The Martin family - $10,000 401K to IRA Rollover $300,000 $150,000 $50,000 12% 3% Age: 45 Age: 55 Age: 65 $10,000 Rate of Return $359,496 $108,925 $33,003 $24,568 $18,207 $13,493 Age: 35

9. Example: The Martin family – Life insurance protection Before: After: 3 times the coverage for $99 LESS per month! Husband $150,000 Premium $200/month Wife $150,000 Husband $500,000 Premium $101/month Wife $400,000

10. Example: The Martin family – Investing the $99 in a ROTH-IRA $300,000 $50,000 12% Age: 45 Age: 55 Age: 65 Rate of Return $708,957 $207,841 $56,005 Age: 35 $10,000 plus $99 per month!

11. Promote Education Plans

14. Example: The Martin family – Debt elimination solution By enrolling in our Biweekly Equity Builder Program ($655 every two weeks) this family would pay off the loan in 20 years instead of 25. By teaching them how to invest $500 each month (automatically) into an emergency account that would grow to over $386,000 over those same 20 years. With this SOLUTION, by age 55 this family would be totally debt-free and have accumulated over $386,000!!!

15. Example: The Martin family – Building their Financial House $708,000 in retirement savings & $386,000 in emergency fund Total liquid net worth: $1,094,000 by age 65 Before After Life Insurance Coverage: $150,000 cash value policy on him $150,000 cash value policy on her Total coverage: $300,000 Cost per month: $200 Life Insurance Coverage: $500,000 term policy on him $400,000 term policy on her Total coverage: $900,000 Cost per month: $101 Debt Situation: Monthly debt payments : $2,199 On debt of: $32,157 (credit cards) and a $145,000 mortgage Term remaining to pay off: 25 years Emergency account: CREDIT CARDS Debt Solution: Loan payment : $1,309 On debt of: $180,000 Monthly debt savings: $890! Completely debt-free: 20 years Emergency account: $500/month Savings Style: Total savings: $10,000 Monthly savings: $0 (no financial direction) Savings Strategy: Roll-over $10,000 + add $99 to a ROTH-IRA account + $75 a month for an Education Savings Account

17. Products and services that people need and want Legal Insurance Mortgage Refinance and 2 nd Mortgages Long-Term Care Insurance Personal Loans 401K Programs New Home Loans Life Insurance Variable Annuities Mutual Funds, IRAs & Education Savings Accounts