ACA Career Development System

1. ACA Career Development System WHERE BUILDING A BUSINESS AND LEAVING A LEGACY IS A REALITY!!!

2. ACA Career Development System AGENDA Introduce you to: American Classic Agency (ACA) Show you what we do Show you how we are paid here at ACA

3. ACA Career Development System Living the Dream with ACA Most people don’t want to change careers or start a new business. Most people don’t even want more money. However, what they search for is freedom and the things money can buy.

4. ACA Career Development System Many people love to dream; they are in search of a better quality of life. They want to take control of their future… …but OBSTACLES get in their way! • Not enough Capital! • No one to provide Leadership! • Security for my future? • What if I fail? • A marketable idea! • Don’t have much EXPERIENCE!

5. ACA Career Development System Albert Einstein 1879 – 1955 “Insanity: doing the same thing over and over again but expecting different results”

6. ACA Career Development System Did You Know? * There are approximately 75 million homeowners in the US. * Since 2007, approximately 5 million homes have foreclosed; 1 in 15. * There are approximately 2.3 million homeowners in the Maryland area. * Since 2007, approximately 150,000 homes have foreclosed; 1 in 15. * More than 15 million foreclosures are forecasted over the next 5 years. * This means that 1 in 5 homeowners in the US will have received at least 1 foreclosure notice. 58% of foreclosures occur because of a loss of income 13% of foreclosures occur because of a critical illness Sources: (1) United States Census Bureau; (2) United States Real Estate Data Services

7. ACA Career Development System What We Will Train You To Do The ACA Value Proposition

8. ACA Career Development System Quite Literally: Save the Financial Futures of American Families

9. ACA Career Development System Real Life Example John (Age 40, Sole Income Earner) Sue (Age 40, Stay-At-Home Mom) Two Children – Ryan & Jennifer $2000 Monthly Payment $200,000 Mortgage

10. ACA Career Development System Real Life Example John, Sue, Ryan, & Jennifer: Facing Financial Disaster Completely Unaware $2000 Monthly Payment $200,000 Mortgage

11. ACA Career Development System • Your Child’s World

12. $200,000 Life Policy Peace of mind for the new century! At age 65… TAX-FREE RETIREMENT SAVINGS $149,468 Terminal Illness (24 months) Up to $176,500 UPON DEATH Lump-Sum Benefit of $200,000 which can increase to $428,410+ by age 70 Chronic Illness ** Up to $4000 per month Critical Illness ** Up to $159,958 Disability ** Income up to $2000 per month Example: Male (age 35); VSNT; Option B; Provider Plan Receipt of any benefit will reduce future benefits available. ** LIFE EVENTS YOU WILL SURVIVE

13. ACA Career Development System A Revolutionary Solution Disability Income Money to help pay your bills Retirement Income Money for a secure retirement Accelerated Living Benefits Chronic, Critical, or Terminal Illness Riders Life Insurance Money for your family LIFE INSURANCE YOU DON’T HAVE TO DIE TO USE

14. ACA Career Development System TAXES INFLATION FINANCIAL INDEPENDENCE Emergency Funds Opportunities Retirement Investments LIFE INSURANCE

15. ACA Career Development System Smart Retirement Money Order Free money Tax-free money Tax-deferred money Taxable money

16. • Use of index like Standard and Poor’s 500 • Principal guaranteed against loss • NO FEES $115,500 Floor 5% $110,000 $110,000 “Cap” 17% 10% Floor $99,000 $100,000 10% Floor Keep in mind… If you received the 5% as shown in this example on the $99,000 you would have a total of $103,950. That is a $12,000 difference because of the guaranteed floor.

17. ACA Career Development System The Opportunity with ACA • You secure your future • Experienced agents train you • No inventory • Lead Program • No Territorial Restrictions • Unparalleled Leadership • No Major Investment • No Fees to Join American Classic Agency is a company that offers you a chance to build a legacy and a great lifestyle by being in business for yourself, not by yourself…we give all the support it requires to succeed.

18. ACA Career Development System ACA Philosophy “We are captains of our own destiny, creating our own opportunities, limited only by our own willingness to work hard and dream big.” ACA believes that the entrepreneurial spirit is alive and well in America and that good things come to those who work hard. To this end, ACA provides exceptional training, sales support, awesome rewards, and compensation.

19. ACA Career Development System Agent Investors Holding Company 22 Years AIHC 1990 American Classic Agency 17 Years ACA 1995 Building a Legacy

20. ACA Career Development System ACA National Headquarters ATP Tour Building Ponte Vedra Beach, Florida

21. ACA Career Development System The ACA Leadership Team Jerry Policastro President & CEO Agent Investors Holding Company American Classic Agency Rick Sielicki President American Classic Reinsurance CFO Agent Investor’s Holding Company

22. ACA Career Development System “Strategic Partnerships” Our Main Providers Mutual of Omaha Americo National Life / LSW Lincoln Heritage

23. ACA Career Development System Infrastructure AIHC “The Agent’s Company” Marketing Management & Support Administrative Services American Classic Reinsurance American Classic Securities Creative Marketing & Communications Lead Generation

24. ACA Career Development System COMPENSATION

25. ACA Career Development System BUILDER LEVELS The Builder’s Route Executive National Marketing Director ………………………..…....................... 122.5% plus bonuses Senior National Marketing Director…………………………..……........................ 121% plus bonuses National Marketing Director…………………………..………..………………... 118.5% plus bonuses Executive Field Marketing Director…………………………..…………………… 116% plus bonuses Senior Field Marketing Director………..……………………..…………………… 114% plus bonuses Executive Regional Director……………………………………..………………… 109% plus bonuses Senior Regional Marketing Director…………………………..…………………… 106% plus bonuses Regional Marketing Director…………………………………...………………….. 103% plus bonuses Executive Agency Marketing Director……….……………..……………………… 100% plus bonuses Senior Agency Marketing Director…………………………..……………………… 95% plus bonuses Agency Marketing Director………………………………………..………………... 90% plus bonuses Deputy Agency Marketing Director…………………………..…………………….. 85% plus bonuses Provisional Agency Marketing Director……….…………..……………………....... 80% plus bonuses District Manager…………………………..………………………………................ 75% plus bonuses Manager…………………………………………………………….……..………… 70% plus bonuses Assistant Manager………………………………………..…………..……………... 65% plus bonuses Senior Agent ………………………………………………………………………... 60% plus bonuses Agent ……………………………………………………………………………….. 55% plus bonuses Associate Producer ………………………………………………………………..... 50% plus bonuses

26. Deputy Agency Marketing Director Your income for the month is $10,200 85% Helped 5 Families $1,200 $2,100 $1,800 55% $3,300 50% $3,000 65% $3,900 Helped 5 Families Helped 5 Families Helped 5 Families *Helping a family in these example results in $100/month premium. Your results may vary

27. Agency Marketing Director Your income for the month is $20,400 90% Helped 5 Families $4,800 $8,400 Income for the month is $4,200 Income for the month is $7,800 $7,200 Income for the month is $5,400 Helped 5 Families Helped 5 Families 70% 60% 55% Helped 5 Families $300 $300 $1200 $1200 $300 $1200 $600 $600 $600 50% $3,000 50% $3,000 50% $3,000 50% $3,000 50% 50% $3,000 50% $3,000 50% $3,000 50% $3,000 $3,000 Helped 5 Families Helped 5 Families Helped 5 Families Helped 5 Families Helped 5 Families Helped 5 Families Helped 5 Families Helped 5 Families Helped 5 Families *Helping a family in these example results in $100/month premium. Your results may vary

28. ACA Career Development System Monthly Bonuses ACA Monthly Bonus Pools HUNDRED$ of THOUSAND$ of DOLLAR$ PAID ANNUALLY • Personal Production • Base Shop Production • Hierarchy Production

29. ACA Career Development System SO WHERE IS THE MONEY? • INVESTING IN MARYLAND'S ECONOMY • Life insurance companies invest approximately $90 billion of their assets in Maryland’s economy. • About $70 billion of this investment is in stocks and bonds that help finance business development, job creation, and services in the state. • Life insurers provide $10 billion in mortgage loans on farm, residential, and commercial properties, and own $140 million in real property in Maryland. • Life Insurance Carriers 1 • Life Insurance Agencies 2 • Life Insurance Agents 3 • ACROSS AMERICA • 75 million American families depend on life insurance industry products to protect their financial and retirement security. • The life insurance industry generates approximately 2.5 million jobs in the U.S., including direct employees, those who sell life insurance products, and non-insurance jobs supported by the industry. • Since 2009, life insurers provided payments in excess of $594 billion, helping families guarantee long-term financial security now and in retirement. • With 91 percent of the industry's $5 trillion assets invested in the U.S. economy, life insurers are one of the largest sources of investment capital in the nation. • Source: ACLI calculations based on National Association of Insurance Commissioners (NAIC) 2009 annual statement data

32. ACA Career Development System American Classic Reinsurance Co. Equity you control ! Chartered Exclusively to Provide Agent Reinsurance Opportunities to Independent Agents

33. ACA Career Development System Agent Incentives GOLD DIAMONDS CASH BONUSES STOCK CONTESTS TRIPS

34. ACA Career Development System The Year of Expansion 2013 ACA – Compensation Package At Least 10 Plus Ways to Get Paid at ACA First Year Commissions Renewals Generational Overrides Trips PAR Bonus LSW * Submit Advances * Stock Options * Personal Bonus Pool * Base Shop Bonus Pool * Hierarchy Bonus Pool * Reinsurance * * Qualification Needed

35. ACA Career Development System You have found what you are looking for at ACA!!! • Get paid what you are really worth! • Create a better quality of life! • Build true financial freedom for your family! • Have total control of your time!