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A Company of DestinyA Company of Destiny

Our MissionTo create wealth for familiesWhether 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 SystemThe vehicle that will allow us to succeedThe FFS Business Building System gives our leaders a proven, predictable, and profitable turnkey plan for building and running a successful business.

Our VisionTo lead the 21st century financial revolutionFFS 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.

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Problems FacingAmericans Today

Problems FacingAmericans TodayDebt 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.

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

Insurance

Savings/ Investments

Living Expenses

Consumer Debt 21% Mortgage 21%

Taxes 28%

What did the 5 financially successful Americans do differently?

The GreatConsumer DilemmaThe GreatConsumer Dilemma

PROCRASTINATIONThe Convenient Time ~~~ Does It Ever Come?

• WE’RE 25 …we can’t accumulate money now..we’re just getting started and we don’t make a lot yet..we’re entitled to a little fun while we’re young..besides we’ve got plenty of time

• WE’RE 35 …our family is growing..our mortgage payments are big..once the children are older it will cost less… then we’ll begin to invest.. We can’t put aside a penny now.

• WE’RE 45 …the children are in college and it’s all we can do to pay their expense.. it seems to be the most expensive time in our lives.

• WE’RE 55 …we know we should invest, but things aren’t as easy as they used to be. At our age it’s tough to start new careers or get a better job…we’ll have to sit tight now and maybe we’ll catch a break.

• WE’RE 65 …who us? Sure investing is a great idea, but we’re 65 and Social Security doesn’t go very far.. We should have started Years ago but it’s too late now!

•YOU CAN’T START SOONER THAN NOW!

Use for recruiting purposes only.

TIC-TAC-TOETIC-TAC-TOE

Safety ofPrincipal

Fixed Products

1% to 3%

Risk ofPrincipal

EquityProducts

UpsidePotential

IndexedProducts

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$150,000

$140,000

$130,000

$120,000

$100,000

$160,000

$170,000

$90,000

$110,000

$100,000 Invested in 1997

Indexed AccountLarge Company Stocks

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

Secret #1: Never Lose Money

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

Protection & PotentialMany people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both.

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Compound Interest-The Rule of 72Simply 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 $160,00065 $160,000

47 $80,00056 $80,00065 $80,000

41 $40,00047 $40,00053 $40,000

35 $20,00038 $20,00041 $20,000

29 $10,00029 $10,00029 $10,000

Money doubles every 6 years

Money doubles every 9 yearsMoney 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, 20062 Ibeatmybank.com/see_how_it_s_done.html

Secret #2:Compound

Interest

Secret #2:Compound

Interest

A.Lower?

B.Same?C.Highe

r?

Will Future Tax Rates Likely Be:

Secret #3: Tax

Advantages

Secret #3: Tax

Advantages

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Tax Deferred

Accumulation

TaxFree

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

Secret #3: Tax Advantages

Secret #3: Tax Advantages

Life Insurance - You don’t have to die

to use -

Life Insurance - You don’t have to die

to use -

Missed Fortune VideoDouglas Andrew

• FIXED ANNUITY – Declared interest rate, more like a bank

• INDEXED ANNUITY –A fixed annuity that earns a minimum interest rate and offers the potential for excess interest based on the performance of an index.

• VARIABLE ANNUITY –Like a mutual fund. Most of the investment return (risk) passed to investor

Types of Annuity

Types of Annuity

•Add 10% Premium Bonus on all 1st year premiums•Contract Value

– Upside Gain Potential (cap 30%)– No Downside Risk

• Income Account Value– Guaranteed Lifetime Income Benefit Rider earning 8% for the next 20 years compounded

Indexed AnnuityIndexed Annuity

Indexed AnnuityNews

Indexed AnnuityNews

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FFS offers you a risk-free opportunity tobuild a business of your own with…• No Major Investment• No Franchise Fees• No Loss of Job Security• No Experience Required

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.

Lifestyle ChangeLifestyle Change

• No Inventory• Unlimited Territory• Unlimited Opportunity

The FFS opportunity is for everyone:• Part-time Second Income Earner• Personal Producer• Business Builder

Be in business for yourself not by yourself.

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Recognition andReward SystemRecognition andReward System

Join First Financial Security, and see the world!

FFS will recognize our greatest leaders with everything

from custom diamond-studded promotion pins, Super-Bowl

type rings and world-class trips to the destinations of the

rich and famous.

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.

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Equity Sharing PlanEquity Sharing Plan

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

• Join FFS - $125 one time membership fee• Pre-Licensing Class

– Fees: $160 (including training book & CDs)– 2 days class (8 hours/per day in VA & MD)

• Life & Annuity Exam– Fees: $58 (VA)

• Life License– Fees: $15 (VA)– 2 years renewal

• Criminal Record Check– Fees: $15 (VA)

• Purchase E&O Insurance (Requirement)• Anti-Money Laundering for Insurance Producers

– Online Course– Cost: Free

• Appointed with FFS and Insurance Companies by:– Login: www.FirstFinancialSecurity.com

Get Started Now!Get Started Now!