Glenn Terry, Agency Vice President with HBW Insurance & Financial Services, Inc a National IMO looking for new and experienced insurance and financial service agents. Own your own book of business and build with a huge selection of carriers and products. NON-CAPTIVE. NEVER HAVE TO RECRUIT. HIGH COMPENSATION LEVELS.

1. Direct Recruiter: Glenn Terry, Agency Vice President www.glennterry.hbwinfo.com (661) 259-4960

2. Life Insurance American General ING Genworth West Coast Aviva Trans American Amicable OMFN* Exclusive term & save difference product Annualization available with all carriers All business qualifies for convention, base shop, EVP and NDA bonuses * OMFN life business does not count towards contests only promotions and production credit Life brokerage carriers for alternative rates if needed and business only counts for promotions and production credit American General, ING, AVIVA, Genworth Available Now Life Insurance

3. Annuity division Direct options Brokerage options RBC North American National Western Lincoln Financial Lafayette OMFN Great American AmerUs American Investors American Equity American General Allianz Creative Marketing LSW Principle ING Access Individually

4. Securities HBW Securities Variable Annuities Variable Universal Life Union Central Life Insurance Co. Transamerica / IDEX Sun Life Financial Security Benefit Life Prudential Pacific Life Nationwide Financial Midland National MetLife Investors Mass Mutual Lincoln National Lincoln Benefit Life John Hancock/Manulife Jefferson Pilot Jackson National Life Integrity Life ING-USA ING-Reliastar Hartford Life Genworth AXA Distributors Annuity Investors / Great American Ameritas Life Insurance Corp. Allianz Life AIG Sunamerica Company Western Reserve Life Protective Life Principal Financial Group Pacific Life Nationwide Life Midland National Life Lincoln Financial Group Lincoln Benefit Life Hartford Life Genworth Life American General Life Company

5. Securities Mutual Funds HBW Securities Variable Annuities Variable Universal Life College Savings Plans Van Kampen 529 Plan Scholar's Edge 529 Plan Scholar's Choice 529 Plan Putnam 529 Plan Pioneer Investments 529 Plan PIMCO Advisors/Allianz 529 Plan Pacific Life 529 Plan Oppenheimer Funds 529 Plan Nuveen Investments 529 Plan MOST Missouri 529 Plan MFS 529 Plan LoneStar 529 Plan John Hancock 529 Plan Iowa Advisor 529 Plan Hartford Funds 529 Plan Franklin Templeton 529 Plan Fidelity Advisor 529 Plan Columbia Funds 529 Plan CollegeChoice Advisor 529 Savings Plan Calvert Washington DC 529 Plan Bright Start College Savings Plan American Funds 529 Plan American Century 529 Plan AIM Investments 529 Plan Alliance Berstein 529 Plan Company

6. Securities Mutual Funds HBW Securities Variable Annuities Variable Universal Life College Savings Plans Mutual Funds Wells Real Estate Funds Virtus Mutual Funds Van Kampen Union Central Transamerica Retirement Services Transamerica Funds Timothy Funds Seligman Advisors / Riversource Investments Security Benefit Putnam Investments Pro Funds Principal Funds Pioneer Investments PIMCO Advisors/Allianz Pacific Life Pacific Capital Funds Oppenheimer Funds Distributors Nuveen Investments Nationwide Life MFS Funds Lord Abbett Group John Hancock Jensen Funds/Quasar US Bank JennisonDryden Jackson Funds Hartford Funds ING Funds Gabelli Enterprise Franklin Templeton First Trust Portfolios LP (UIT) First Investors Fidelity Advisor Funds Federated Funds Evergreen Funds Eaton Vance DWS Scudder Funds Dreyfus Investments Delaware Investments Davis Selected Advisors Columbia Funds Distributors Calvert Investments Calamos Investments American Growth Fund, Inc. American Funds American Century AIM Investments AIG SunAmerica Alliance Bernstein Company

7. LTC & DI Long Term Care options Disability Insurance options Pres- edential Lloyds of London Mutual of Omaha Fidelity Security Lafayette Illinois Mutual Mass Mutual Union Central Assurity MetLife Standard DIS Prudential Mutual of Omaha MetLife MedAmerica John Hancock Genworth LTCI Partners

8. Start earning income immediately with loans and debt program Mortgage division Loans in all 50 states with electronic 1003! No license required Plus our debt roll up program Help your clients buy a home and pay it off in 2/3 the time including other debts Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU

9. HBW associates Personally produce and override agents in all lines of business and in all 50 states The Freedom… Unlock your potential Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU

10. HBW associates Money , May 2005 Average household net worth Those who run their own business tend to build wealth faster than employees. Working For Yourself Pays Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU $742K $809K $1 Million $1.3 Million $151K $158K $183K $225K 1992 1995 1998 2001 Employed Self-Employed

11. HBW associates Average household net worth Those who run their own business tend to build wealth faster than employees. Working For Yourself Pays WORKING FOR YOURSELF - The average net worth of American families headed by a person that is an employee of a firm (i.e., not a business owner) is $352,000 . The average net worth of American families headed by a self-employed person is $1.96 million. This data is part of the 2007 Survey of Consumer Finances collected by the Federal Reserve and was released in June 2009 (source: Federal Reserve). IF YOU WANT TO BECOME FINANCIALLY INDEPENDENT YOU WANT TO WORK FOR YOURSELF BU NOT BY YOURSELF Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU

12. HBW associates Life - A Life - B Which life would you rather live? Enjoy the rest of your life! Average Retirement: 7 years School: 20 years Work hard for 5-10 years School: 20 years 40 years of work; 5-10 jobs, saving little $ Which Life Are You Living? Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU

13. HBW associates Hiring is vital to the Life Insurance industry now more than ever. The decline in numbers are directly related to the hiring efforts, or lack thereof, in today's Life Insurance companies. HBW's structure allows you to continue building your company and hiring representatives with unlimited potential. The "Company within a Company" principle. Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU Continues to recruit Reps and develop Agency Managers and AVP's and EVP's. Exec. Vice Pres. (EVP) Continues to recruit Reps and develop Agency Managers and AVP's and becomes… Agency Vice Pres. (AVP) Continues to recruit Reps and develop Agency Managers and becomes… Agency Manager Recruits other Reps and becomes… Representative Continues to recruit Reps and develop Agency Managers and AVP's, EVP's and NDA’s National Director of Agencies (NDA)

14. Team Building provides a constant source of New Prospects for continued sales and recruiting. HBW associates Until a New Hire is licensed and trained, a Training Manager is participating in every transaction with every New Hire within his/her team. Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU Training Manager New Agent Together Sale Sale Sale Sale & New Hire New Agent Sale & New Hire New Agent Top 25 List 5 Point People Married Children Homeowner Working Age 25-50 Top 25 List

15. HBW associates Where do your Best New Agents most often come from ? Fourth Level ! Locks in the upline recruits As a Training Manager, by properly training a front line recruit and working through their warm market, you are not only training them, you are helping build their team, while also making dozens of sales. Remember industry averages show that… The one who recruits the Most People …. Makes the Most $$$! Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU Top 25 List 5 Point People Married Children Homeowner Working Age 25-50 Sale Sale Sale Sale Sale Sale New Agent New Agent New Agent Best New Agent New Agent New Agent New Agent Training Manager

16. HBW associates Your Organization…… Training Managers should always be working with at least 5 Front Line new agents AT ALL TIMES. Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU New Agent Sale Sale New Agent Sale New Agent Training Manager New Agent New Agent New Agent New Agent New Agent

17. HBW associates Keep Building…… As Agents are licensed and trained and training New Agents themselves, Training Managers should continue to recruit new Front Line agents. As Agents become licensed and trained, override commissions begin to supplement their training commissions. Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU Sale Training Manager Sale New Agent New Agent New Agent Sale New Agent New Hire New Hire $$ Overrides $$ Overrides New Agent Licensed & Trained New Agent New Agent Licensed & Trained New Agent

18. HBW associates Becoming an AVP…… 1 to 2 year goal. Become AVP and $100,000 + Income. AVP’s, while building his/her management team, should continue to work with at least 5 Front Line new recruits. Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU Overrides $$$ Overrides $$$ Overrides $$$ New Recruit Sr Agency Manager New Recruit New Recruit Agency Manager New Recruit New Recruit Agency Manager New Recruit New Recruit Agency Manager New Recruit New Recruit Sale New Recruit Training Manager New Recruit New Recruit New Recruit Sr Agency Manager New Recruit New Recruit Agency Manager New Recruit New Recruit Agency Manager New Recruit New Recruit Agency Manager New Recruit New Recruit Sale New Recruit Training Manager. New Recruit New Recruit AVP New Recruit Sale New Recruit Training Manager New Recruit New Recruit

19. HBW associates Join HBW’s $100,000.00 Ring Earners Our Representatives Show It Best For A Motivated Person, HBW Is One Of The Greatest Business Opportunities In America Direct Recruiter: Glenn Terry, Agency Vice President www.glennterry.hbwinfo.com (661) 259-4960 Debt roll up program Mortgages Disability Insurance Long Term Care Investment Advisory Securities Fixed Annuities Life Insurance YOU