Real Hope, Real OpportunityReal Freedom for Real

People

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.

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.

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

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 thoseage 65 and older is just $16,770*

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 thoseage 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 Average Income Over 40 YearsYears Lifetime EarningsLifetime Earnings

$25,000$25,000 $1,000,000$1,000,000

$50,000$50,000 $2,000,000$2,000,000

$75,000$75,000 $3,000,000$3,000,000

$2,000 Invested @ 8% for 20 Years = $9,322$2,000 Invested @ 8% for 20 Years = $9,322

Minus $3,000 for a New Refrigerator = $6,322 Net Gain >>Minus $3,000 for a New Refrigerator = $6,322 Net Gain >>

How Money Works

Quiz:

Three Refrigerators have a Three Refrigerators have a Guaranteed 20 Year Life Span. If Guaranteed 20 Year Life Span. If price was not an issue, which price was not an issue, which one would you choose?one would you choose?

Choice AChoice A Choice BChoice B Choice CChoice C

Today’s CostToday’s Cost $1,000$1,000 $2,000$2,000 $3,000$3,000

Replacement CostReplacement Cost $3,000$3,000 FREEFREEFREE + FREE + $3,000 $3,000 RefundRefund

How Money Works

How Money Doubles... The Rule of 72

72 ÷ % = Years to Double Money72 ÷ % = Years to Double MoneyFor 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.

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.

How Money WorksLet’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.

72 ÷ 12% = 6 Years

Age 30: $2,000

Age 54: $4,000

Age 78: $8,000Age 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: $32,000Age 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: $512,000Age 78: $512,000

“The most powerful force on Earthis the power of compound interest!”Albert Einstein

The Enemies of Wealth and Accumulation

• Procrastination

• Poor understanding of how money worksand the principles of compound interest

• Consumption Based Lifestyle

• High Personal Debt

• No Plan for the Future

• Not Properly Protecting What You Have>>

Procrastination

Most people don’t plan to fail: they simply fail to plan.

Procrastination is the mother of failure!

Procrastination

Most people don’t plan to fail: they simply fail to plan.

Procrastination is the mother of failure!

What is The Problem?

• Few people understand how money works

• We do what our financial institutions tell us to do

• Many people choose a consumption based lifestyle creating little savings and large debt

This illustration is for hypothetical purposes only and does not represent any specific investment.

$350/Mont

h

$350/Mont

h

$750/Month$750/Month

$1,800/

Month

$1,800/

Month

$5,600/Month$5,600/Month

What Procrastination Costs YouAssuming your goal is to accumulate $1,000,000 by age

65Assuming your goal is to accumulate $1,000,000 by age

65

Based on a 7.5% returnBased on a 7.5% return

Funny Banking

Would you open an account with these terms?Would you open an account with these terms?

•Bank keeps all deposits for the first two years

•After two years you will begin to earn 1%-4% interest

•There is an 8% penalty on withdrawals

• If you die, the bank keeps all your savings>>

Example: A 35 year old Husband, his Wife and 2 Children

* 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

That’s a monthly savings of $65.00!Invested @ 7.5% for 30 years = $86,700

Buy Term And Save The Difference

PermanentPermanentExisting Existing Policy**Policy**

HusbandHusband $38,000$38,000

WifeWife $50,000$50,000

ChildrenChildren $50,000$50,000

Monthly PremiumMonthly Premium $130$130

ExampleExample30 Year Term*30 Year Term*

$500,000$500,000

$250,000$250,000

$10,000$10,000

$65*$65*

Any Time a Loss of Income Would be Devastating!

If you’ve had your Life Insurance policy for morethan five years, you could easily be paying

30% to 70% more than you should be.

If you’ve had your Life Insurance policy for morethan five years, you could easily be paying

30% to 70% more than you should be.

Real Hope, Real Opportunity, Real Freedom for Real People!

When Is There A Need For Protection?

• Young Children• Dependents• High Debt• Home Mortgage

• Young Children• Dependents• High Debt• Home Mortgage

• Business Partnership• Tax Advantage

Accumulation• Estate• Wealth Transfer

We provide a Realistic, Affordable step-by-step plan to Help you Build Wealth

We provide a Realistic, Affordable step-by-step plan to Help you Build Wealth

• Family Protection

•Accumulation Vehicles

•A Personal Financial Game Plan to Help You Achieve Your Goals

• Family Protection

•Accumulation Vehicles

•A Personal Financial Game Plan to Help You Achieve Your Goals

We offer a free analysis of your financialsituation that covers these key areas:

We offer a free analysis of your financialsituation that covers these key areas:

Creating a plan that covers the important financial areas of your life would help you make better

decisions, wouldn’t you agree?

Creating a plan that covers the important financial areas of your life would help you make better

decisions, wouldn’t you agree?

HBW Puts It All TogetherHBW Puts It All Together

Ask yourself some important questions...

Where Do You Stand?

•Are you prepared for financial emergencies?

•Do you have a plan to eliminate debt?

•How much money will you need for retirement?

•Are you putting enough money away for retirement?

•Are you accomplishing your financial goals?

•Are you preparing for your children’s college?

•Are you properly protected against premature death?

•Are you happy with your present occupation? >>

Offering programs to maximize Family Protection,Reduce Debt and Accumulate Dollars

The HBW Game Plan

* Roth IRA’s.* Roth IRA’s.

Unique Low-CostTerm Life InsuranceUnique Low-CostTerm Life Insurance

Maximizing Family protection with minimal cash outlay creating more available accumulation dollars for a better future.

Maximizing Family protection with minimal cash outlay creating more available accumulation dollars for a better future.

Living TrustsLiving TrustsHelp clients create a plan, avoid Probate, keep their estates and assets private, and return full control of their assets.

Help clients create a plan, avoid Probate, keep their estates and assets private, and return full control of their assets.

Debt ReductionDebt ReductionSave thousands of dollars in interest and eliminate years of payments with our innovative approach to debt reduction.

Save thousands of dollars in interest and eliminate years of payments with our innovative approach to debt reduction.

• Tax Deferred Growth

• Diversification

• Federal Income Tax Free Withdrawals*

• Minimize Estate Probate Issues

• Tax Deferred Growth

• Diversification

• Federal Income Tax Free Withdrawals*

• Minimize Estate Probate Issues

Tax-Advantage Products& Accumulation Vehicles*

Tax-Advantage Products& Accumulation Vehicles*

Helping Build Wealth using…

Helping Build Wealth using…

How Are You Doing?

What are you doing to make the next five yearsbetter than the last five years?

What are you doing to make the next five yearsbetter than the last five years?

Are you satisfied with your job?Are you satisfied with your job?

...with your opportunities to advance?

...with the money you make and save?

...with your standard of living?

>>

How Do You Plan To ChangeThe Quality of Your Life?

• LotteryLottery

• Your JobYour Job

• InheritanceInheritance

• New Business New Business OpportunityOpportunity

>>

We’ve All Heard...

• ““Get a Degree.”Get a Degree.”

• ““Work Hard.”Work Hard.”

• ““Don’t Rock the Boat.”Don’t Rock the Boat.”

• ““Get With a Good Get With a Good Company.”Company.”

• ““We Will Take Care of You.”We Will Take Care of You.”>>

Source: The Millionaire Mind, 2000

The Wealthy 1%

Lottery / InheritanceLottery / Inheritance 1%1%

PhysiciansPhysicians 9%9%

AttorneysAttorneys 10%10%

CEOs / PresidentsCEOs / Presidents 16%16%

Salespeople, Accountants, Salespeople, Accountants, Teachers, Engineers,Teachers, Engineers,

Architects, HousewivesArchitects, Housewives32%32%

EntrepreneursEntrepreneurs 32%32%

At HBW, You Get the Best of All Worlds• Very Competitive Products that Help Build Wealth

• Great Opportunity to Help Others

• Part or Full-Time Business With No Pressure to go Full-Time

• Immediate and Residual Income Passable to Qualified Heirs

• Be Part of a Winning Team!

• Step-by-Step System for Success

• Recognition, Trips, Incentives, and More!

• Huge Untapped Market>>

Source US Census Bureau Historical & Projected US Population

160,000

Agents

160,000

Agents

Pop. 297 Million

Pop. 297 Million

Agents And Population Projection

Pop. 420 MillionPop. 420 Million

60,000 Agents60,000 Agents

Year 2010Year 2010

Year 2050Year 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.

• Am I making all the money I really want to make?

• If my income stopped tomorrow, what would happen?

• Is it important to build security with a business of my own?

• Am I ready to take charge of my financial future?

Four Important Questions

>>

The Three Ways To Make Money

1.Work for Yourself

2.Compound Your Money

3.Compound Your Effort

Only One Has Unlimited Potential

>>

$10,000 a Day for 31 Days = $310,000

or...A Penny a Day Doubled for 31 Days

$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

2525 $167,772.16$167,772.16

2626 $335,544.32$335,544.32

2727 $671,088.64$671,088.64

2828 $1,342,177.30$1,342,177.30

2929 $2,684,354.60$2,684,354.60

3030 $5,368,709.10$5,368,709.10

3131 $10,737,418.2$10,737,418.200

11 $0.01$0.01

22 $0.02$0.02

33 $0.04$0.04

44 $0.08$0.08

55 $0.16$0.16

66 $0.32$0.32

77 $0.64$0.64

88 $1.28$1.28

99 $2.56$2.56

1100

$5.12$5.12

1111

$10.24$10.24

1122

$20.48$20.48

1133

$40.96$40.96

1144

$81.92$81.92

1155

$163.84$163.84

1166

$327.68$327.68

1717 $655.36$655.36

1818 $1,310.72$1,310.72

1919 $2,621.41$2,621.41

2020 $5,242.88$5,242.88

2121 $10,485.7$10,485.766

2222 $20,971.5$20,971.522

2323 $41,943.0$41,943.044

2424 $83,886.0$83,886.088

>>

99

2727

8181

243243

729729

21872187

33

The Power of Compounding People

LevelLevel

22 11

44 22

88 33

1616 44

3232 55

6464 66

128128 77 >>

Eight Distinct Businesses

• Life Insurance

• Fixed and Indexed Annuities

• Debt Reduction Program

• Living Trusts

• Life Insurance

• Fixed and Indexed Annuities

• Debt Reduction Program

• Living Trusts

• Securities

• Investment Advisory

• Long Term Care Insurance

• Disability Insurance

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%

Line of BusinessLine of Business RepRep AVPAVP

Term LifeTerm Life $1424$1424 $2848$2848

Indexed Annuity ($40,000)Indexed Annuity ($40,000) $1440$1440 $2880$2880

Living TrustLiving Trust $350$350 $700$700

Total Per MonthTotal Per Month $3214$3214 $6428$6428

Income Example Helping two families per month,with just three of our eight lines of business!

Income Example Helping two families per month,with just three of our eight lines of business!

HBW Is Looking For Individuals Who...

•Who Would Like to Become Financially Independent

•Who Have Good Work Habits

•Who Are Coachable

•Who Will Follow A Proven System For Success

>>

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 HellenbrandBarney Hellenbrand Raymond Berry Raymond Berry

Co-Founder & CEOCo-Founder &

Honorary Chairman

Dan Ward Dan Ward

Co-Founder & COO

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

America

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

America