President/CEO ALEX ABUYUAN

The Interview Process• This is the first step in a two step interview process

• You were identified either by resume or referral as a potential candidate for our program

• This first step is a business overview to go into detail about our company and the positions for which we are hiring

• The second step is for you to decide if you want to continue to be considered for a position and to schedule a final interview

Positions• Personal Producer Sales

– $20,000 to $40,000 Part-Time– $50,000 to $136,000 Full-Time First Year

• General Agent– $56,000 Override (Residual) Income Part-Time– $205,000 Override (Residual) Income Full-Time

Character Counts• Looking for the right people that exhibit the

character that embodies success in our system– High standard of Integrity

• Adding value to clients with their best interests in mind– Coachable

• Following a system of success– Work Ethic

• Working smart• Result

– Control of time– Control income

– Positive Attitude

We are Problem Solvers• Protecting Retirement Savings

– Fixed Annuities

• Protect Homes/Lifestyle– Death & Disability

• Provide Tax Free Retirement Programs

Market Viability

MiddleMarketAmerica

NextGeneration

$22 Trillion

TransferOf

Wealth

78 Million Baby

Boomers

Example Solutions

• Mortgage Protection Client – Mortgage: $125,000 30 year mortgage– Client: Male, 35 years old, non-smoker, takes high blood pressure

medications and is an oral diabetic– Program: 30 year term program

• $125,000 level death benefit• Return of Premium rider (refunds all premiums paid at end of term)• $1250 disability program (pays mortgage payment if disabled)

– Price: $65.53/Mo and with the return of premium will receive $23,508 at the end of the term

– Agent Commission at 75% commission level: $590• Retirement Protection Client

– Client has $250,000 in a 401K that he can roll into one of our annuities– One of our programs bonuses 10% to the client’s annuity account– Client receives credit for $275,000 deposited– Agent Commission: $17,500

Example Solutions

• Tax Free Retirement Client– Client: Male, 35 year old, physician seeking to retire tax free, good

health profile– Puts in $20,670 per year into one of our Fixed Indexed Universal Life

Programs for 30 years with a starting death benefit of $700,000– Money grows tax free at a 7.75% interest rate average– By age 66 has $1,972,911 in his account value and $2,672,911 in life

insurance death benefit for his family– He can take out $135,373 per year at age 65 for the rest of his life

tax free no matter how long he lives – If he dies at age 82, he will pass on to his family $2,332,004 death

benefit tax free– Agent Commission at 75% commission level: $15,503

Our Partner Companies

• We represent the top, grade A financial companies

2002 Superior Performers

• 100 Sales Per Week / $9 Million Total Sales

$3MM +

$1MM +

$500K +

$250K +

$100K +

$ 50K +

$1 - 50K

$ 0

Legend

Location of top agencies

2010 Superior Performers

• 1900 Sales Per Week / $580 Million Total Sales Since 2002• Currently averaging 2300 sales per week – 40% higher since

last year

$3MM +

$1MM +

$500K +

$250K +

$100K +

$ 50K +

$1 - 50K

$ 0

Legend

Location of top agencies

Our Business System

• Our Marketing System to Identify the Client– NO COLD CALLING– Optional Lead program where our clients want to meet with us– Direct Mail, Internet, Tele-marketed, Call-in– Instantaneous delivery of leads to agents

• Our Sales System to Serve the Client– 45 minute, no pressure, one night close system– High closing rates in the home – 55% to 80%

• Our Support System to Serve the Agent– Comprehensive training and support program guaranteed to help

you succeed if you use it

A Lead ExampleQualified Mortgage Lead-They don’t shop on the internet- They don’t have a brother in the insurance business- They don’t stop by the local State Farm office-They don’t have someone to help them . . .

-They want our help!

Personal Productionincome projections

Personal production – part

time• Two appointments per week – close 1 sale per week (Only selling mortgage protection - retirement protection or tax free retirement sales not included)

– Average Sale: $755 Annualized Premium– $755 * 55% = $415/wk– Time Commitment: 5 hours/Wk

• Total Income– $415/wk * 48 weeks– $20,000 Annual Income

• 1 sale a week: $20,000• 2 sales a week: $47,000+

Personal production – full

time• Ten appointments per week – close 5 sales per week (Only selling mortgage protection - retirement protection or tax free retirement sales not included)

– Average Sale: $755 Annualized Premium * 5 Sales– $3,775 * 75% = $2,831/wk– Time Commitment: 25 hours/Wk

• Total Income– $2,831/wk * 48 weeks– $136,000 Annual Income

General Agentincome projections

General Agent Position

Description• General Agent– Recruit part-time and full-time producers– Plug recruits into our licensing program– Plug licensed agents into our training program– Get the direct mentorship from the General Agent

• Develop the kind of “PERMANENT” income that goes beyond your own capacity to work– Doing the work ONCE and getting paid for it month after month,

year after year– Break the trading hours for dollars cycle– What General Agents do in the insurance world to develop

override income– Optional and can start with a small agency of a few people

Promotion Guidelines

Contract Level Title Issued Paid Production Level

110% Master Manager $300,000 Annual Premium 3 Months

105% National Manager $200,000 Annual Premium 3 Months

100% Level 3 Manager $150,000 Annual Premium 3 Months

95% Level 2 Manager $100,000 Annual Premium 2 Months

90% Level 1 Manager $75,000 Annual Premium 2 Months

85% General Manager $50,000 Annual Premium 2 Months

80% Regional Manager $25,000 Annual Premium 2 Months

75% District Manager $15,000 Annual Premium 2 Months

70% Manager $10,000 Annual Premium 2 Months

65% Assistant Manager $5,000 Annual Premium 2 Months

60% Agent $2,500 Annual Premium 2 Months

55% New Agent  

Agency Building – part time

Total Agency Volume: $51,340/Mo

General Manager85%

55%55%

0

• Personal Production– 1 Sale Per Week– Average Sale $755 Annualized Premium– $755 * 85% = $642– /wk Income

• Agency of 16 Part-timers– 16 x $755 (1 per wk) = $12,080 AP/wk– $12,080 * 30% = $3,624– /wk Income

• Total Income– $642/wk * 48 weeks = $31,000 Personal– $3,624/wk * 48 weeks = $174,000 Override– $205,000 Annual Income

Next Step• Decide if you want to continue with the interview process

• Set up the next interview with me – Alex Abuyuan– Contact my assistant Chandelle Young cyoung@abnfinancial.com– Copy my Email: alex@abnfinancial.com– Office phone: (937) 435-7540

• Be prepared to discuss:– How your background and experience qualifies you to work with

me– The position/s you seek– What your specific income goals are

• Short term (30 to 60 days)• Long term