Building Dreams, Creating Business Owners across America

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2 Building Dreams, Creating Business Owners across America On behalf of the directors, management, and staff here at American Financial Associates Inc., I would like to take this opportunity to welcome you to our team. People are what make this company great. Our mission is to offer you a wide array of superior products and services to meet all your needs as well as provide superior support and training to achieve your financial goals. Our goal is to offer you the necessary tools to grow and expand in every facet of your business development, with superior training, leads, and support. We consider you a valuable asset to our team and count it a privilege that you chose to work with us. We have an extensive history of supporting agents and agencies of all levels to achieve national growth. We recognize that as your business grows so will the needed support. We have developed many tools and a tremendous staff that is committed to supporting you in every facet of your journey. I know you are extremely excited about the opportunity here at AFA and we are extremely excited about working with you. If you have desire and dedication, we are committed to providing the turn-key system. Sincerely,

3 Getting Started at AFA 1) Fill out the AFA New Agent Form. Read and sign AFA Agent Agreement and AFA Agent Promotional Guidelines. When finished, return all three to your manager. If you are not currently Insurance licensed go to to get started. 2) Once you have completed step one, go to and sign up for AFA Back Office the cost is $39.95, or $69.95 per month, ask your manager for differences. You must be signed up for the AFA Back Office and have access to a computer to go through Training. 3) Go to login: afaagent Password: signmeup. Contract with Transamerica, Security National Life, United Home Life, Kemper Life,Gerber Life, and Family Life. You must attach a copy of your state insurance license, E & O Certificate (if needed), Anti-Money Laundering and voided check with each contract. When finished, return them to your manager. If you cannot contract with the carrier s listed above, contact your Manager for alternatives. Watch the Contracting Instructional Video under the Career tab, under Recruiting for instructions on how to complete correctly. ***If you do not have E & O insurance, you can purchase E & O liability insurance at: ***If you do not have a current Anti-Money Laundering Certification, dated within the last 12 months, go to choose "Marketing and Sales" user: aml password: course. Make sure to print or save your Certificate once completed. 4) Speak with your Manager to schedule and overview your AFA Training Modules. 5) HIGHLY suggested Lead Orders: Week 1 and 2: Order and pay for a minimum of 15 to 20 Telemarketed Leads. Week 3 and beyond: Order and pay for a minimum of 10 Telemarketed Leads. (May substitute Telemarketed leads with 1000 direct Mail Piece order), add internet aged leads and dialer program to increase weekly sales. 6) Most importantly, be prepared to make MORE MONEY than you ever have and have MORE fun doing it!

4 AFA New Agent Form Name Hire Date / / (Please Print) Street Address City State: Zip: Birthdate: / / Home Phone: Business Phone: Fax: Address: Website: Up Line Manager: Back Office Cost: Basic: $39.95 /month Plus: $54.95 /month Premier: $69.95 /month Commission Level: Type of agent: Health: Life: Received new agent hiring packet (yes or no) Health: Life: Both: Both: When finished, return to your manager.

5 AGENT AGREEMENT American Financial Associates, Inc Walden Office Square Suite 111 Schaumburg, Illinois This Agreement is entered into on this day of, 20, by and between American Financial Associates, Inc. and (the agent ). This Agreement is as of the compliance date of the privacy and Security Rule as defined herein. This agreement is made between the Agency and the Agent. The Agent shall be considered a Sub-Producer/Agent of the Agency. He or she shall act, and be treated accordingly. This agreement shall run for an indefinite period subject to termination at any time by either party. This Agreement will automatically be terminated upon cancellation of either party s state license. APPOINTMENT: The Agency appoints the Agent to solicit new agents as well as all forms of insurance and investment products, provided he or she is licensed for the type of coverage solicited. The Agent should act with the client s best interest when soliciting any of the products through American Financial Associates, Inc. The Agent further agrees to provide service to all clients he or she has solicited. COMPENSATION: All compensation from personal business or overrides from their sub-agents will be paid from each individual insurance company. If any individual insurance company is not able to pay direct or is not setup to pay direct, American Financial Associates, Inc. will process the carrier s compensation to the Agent. All compensation will be paid indefinitely unless the following conditions occur: 1. The Agent no longer maintains an insurance license 2. The Agent terminates or is terminated from this Agreement ERRORS & OMISSIONS COVERAGE: This coverage is required immediately for certain, but not all companies. The Agent must show proof of coverage from his or her E & O carrier of choice when requested by the Agency.

6 ADVERTISING & REPRESENTATIONS: The Agent shall use no advertising material, prospectus, proposal or representation, either in general or in relation to a particular policy of the Agency, unless furnished by or approved in writing by an Agency principal. Back Office: The Agent agrees to pay $39.95 per month, for the AFA Back Office, or $64.95 per month for the AFA Premier Back Office for the duration in which they are contracted through American Financial Associates, Inc. The cost of the AFA Back Office will include Multi Carrier Life quoting system, Recorded Training Modules, ongoing Training and Support,, company address Recruiting, Personalized Recruiting videos and discounted leads. The cost of the AFA Premier will include all of the above along with a complete CRM System, campaigns and replicated website. If the Agent decides to terminate the Back Office, the Agent must notify American Financial Associates, Inc. in writing 5 days prior to your billing cycle. There are no refunds for the Back Office. The Agent also agrees to pay an additional $25 for any return payments or insufficient funds notices issued on their payment method. The Agent also realizes that non-payment for the Back Office immediately cancels the Back Office which includes all the lead programs, and other programs provided to them through American Financial Associates, Inc. ASSIGNMENT: No assignment of this agreement or compensation hereunder will be allowed, unless approved by agency principal. INDEBTEDNESS: During active service or upon termination, the Agent is responsible for his or her portion (based on compensation level at time received) of any and all indebtedness caused by personal production, personal or business loans, persistency, death, disability, roll-up debit accounts from themselves or their sub agents, or any other cause. or any other cause. If a balance is not available through legal action, the Agent has thirty days from date of notice to pay the debt. If this debt has not been satisfied in a timely manner, the Agent agrees through this agreement to assign any and all future compensation until such a date that the indebtedness has been satisfied. The Agent may also make payments to the Agency providing the debt is satisfied within a 90-day period of time from the date notified. The Agency also reserves the right to place this assignment unto the estate of a Agent that has passed away.

7 TERMINATION: Either party may terminate this agreement with a thirty day written notice. All unpaid first year commissions and renewals will be paid directly by each carrier subject to each individual s contract provisions. TERMINATION FOR CAUSE: If the Agent is found to have intentionally misrepresented the products or services of any of the carriers or American Financial Associates, Inc. or if an agents sells any AFA exclusive discounted leads to other companies not through AFA, or if your lead persistency falls under 25%, you will be removed from the back office and this could be grounds for terminated. ENFORCEMENT: Should the enforcement of this contract be required, it is agreed that all costs (including legal) and or damages incurred to enforce the provisions of this agreement will be the sole responsibility of the party that is found to be at fault. RELEASES: All releases shall be granted after 15 days of a written request as long as the following occurs: 1. The Agents signs the AFA release agreement 2. There is no money owed to AFA from any agent charge backs or any debit roll-up. 3. There is no outstanding debit account with any carrier that cannot be paid off with current in force business.

8 AMENDMENTS: The Agency shall have the right to amend this Agreement or its provisions or terms of compensation, but such amendments shall not affect any rights accruing or compensation earned prior thereto. The amendments are deemed to be effective upon the date of written announcement. FAILURE TO COMPLY with any or all of the above conditions will result in immediate termination of this Agreement and the loss of any sub-agents that were requited by American Financial Associates, Inc under his or her hierarchy. IN WITNESS WHEREOF, I have affixed my signature this day of, 20. Agent Name PLEASE PRINT Signature of Agent Richard A. Duese (President) Date Robert E. Hardy (CMO) Date Name of Up-Line Manager Signature of Up-Line Manager

9 Suggested Weekly Schedule (For Maximum Results) Saturday: 9:00 am -1:00 pm or 4:30 pm -6:30 pm Phone. Goal: Minimum of 5 appointments, Goal is 8. (Saturday s and Monday s have proven to be the most effective phone days) Sunday: 6:00 pm AFA Transmittal to your manager Monday: Text Sales numbers to your manager by 9:00 am CST 8:00 am - 8:30 am Lead Preparation 8:30 am - 9:15 am Local Team Sales Meeting (Mandatory Meeting CST for Chicago Agents) 9:30 am - 10:00 am National Call (Mandatory Meeting CST) 10:00 am - 12:00 pm Phone appointment setting 12:00 pm -1:00 pm Lunch 1:00 pm - 8:00 pm Phone appointment setting 3:00 pm 3:30 pm Phone setting mentoring class 8:00 pm - 8:30 pm Do quotes Goal: 5 appointments each session, Total 10 appointments (Total for the week 15 appointments) Tuesday thru Friday: Text sales numbers to your manager by 9:00 am CST on Wednesday 8:00 am - 9:00 am Administrative work 9:00 am - 10:00 am Travel time 9:00 am 10:00 am Sales mentoring class 10:00 am - 11:00 am 11:30 am - 12:30 pm 1:00 pm - 2:00 pm 2:30 pm - 3:30 pm 4:00 pm - 5:00 pm 5:30 pm - 8:00 pm Phone as needed 8:00 pm - 8:30 pm Do quotes

10 Agent Starting Expectations * Submit a minimum of $1,000 Annualized Premium per Month. * Text Numbers on Monday and Wednesday morning by 9:00 am CST to your up-line manager. * Submit transmittal sheet to your up-line manager on either Saturday or Sunday before 6:00 pm CST. * Attend our Monday National Call at 9:00 am CST. Agent Name: Agent Signature: Date Note: Failure to comply with these expectations may result in termination of your back office and the loss of advanced commissions. Effective 30 days after hire.

11 AFA SOCIAL MEDIA Facebook Like page: Facebook- AFA Winner's Group: Twitter: Linkedin:

12 Bronze: AFA Lead Ordering Guidelines Building Dreams, Creating Business Owners across America Week 1: 500 Consumer List. Total cost: $ Week 2: 100 Excel internet leads. Total cost: $ Week 3: 20 Live Transfers, 200 Consumer List. Total cost: $ Week 4: 20 Live Transfers, 200 Consumer List. Total cost: $ Week 5: 20 Live Transfers, *10 Telemarketed leads. Total cost: $ Week 6: 20 Live Transfers, *10 Telemarketed leads. Total cost: $ Week 7 and beyond: *15 Telemarketed leads. Total cost: $ (20 Transfers, and or 100 Consumer List as needed) Silver: Week 1: 20 Live Transfers, 500 Consumer List. Total cost: $ Week 2: 20 Live Transfers, 100 Excel leads. Total cost: $ Week 3: 20 Live Transfers, *10 Telemarketed leads. Total cost: $ Week 4: 20 Live Transfers, *10 Telemarketed leads. Total cost: $ Week 5 and Beyond: *15 Telemarketed leads. Total cost: $ (20 Transfers, and or 100 Consumer List as needed) Gold: Week 1: 20 Live Transfers, *15 Telemarketed leads, 500 Consumer List. Total cost: $ Week 2: 20 Live Transfers, *15 Telemarketed leads, 100 Excel leads. Total cost: $ Week 3: 20 Live Transfers, *15 Telemarketed leads. Total cost: $ Week 4: 20 Live Transfers, *15 Telemarketed leads. Total cost: $ Week 5 and Beyond: *15 Telemarketed leads. Total cost: $ (20 Transfers, and or 100 Consumer List as needed) *Telemarketed lead's price are base on Partner 2 at $17.00 per lead Live Transfers are not available in FL,MO,SD,SC,IN,MS, please exchange for a 200 name Consumer List.

13 AFA Lead Cost Life Insurance Leads: Final Expense: Dialer, Live Transfers: $2.99 cents per Transfer (Minimum 20 Transfers) Partner 1: Telemarketed, Voice recorded A Leads: Tier 1: $14.00, Tier 1A: $17.00, Tier 2: $19.00, Tier 3: $24.00 Partner 2: Telemarketed, Voice recorded A Leads: All States $17.00 Partner 3: Telemarketed, Voice recorded A Leads: All States $20.00 Partner 4: Telemarketed, Voice recorded-avatar A Leads: All States $13.50 B Leads, Telemarketed, 4 months to 1 year (Based on availability) $3.00 List, 100 Name Consumer List, (Ages 45-85, Income $50,000 and below): $10.00 Mortgage Protection: Partner 1: Telemarketed, Voice recorded A Leads: Tier 1: $24.00, Tier 1A: $27.00, Tier 2: $29.00, Tier 3: $34.00 List, 100 Name New Homeowners' List, (0-6 Months): $10.00 (These prices are based on the discounted lead price through the Back Office, and lists are scrubbed with the do not call list)

14 Life Insurance Leads Cont'd: AFA Lead Cost Term and Permanent: Partner 1: Telemarketed, Voice recorded A Leads: Tier 1: $14.00, Tier 1A: $17.00, Tier 2: $19.00, Tier 3: $24.00 Internet, 100 Excel Leads, ( days old): $30.00 Internet, 100 Excel Leads, (3-90 days old): $50.00 Internet, Shared Leads, Phone Verified: $5.00 Internet, Exclusive Leads, Phone Verified: $13.00 List, 100 Name Consumer List, (Ages 30-64, Income $50,000 and above): $10.00 Health Insurance Leads: Dental: TV, Exclusive Leads: $7.50 (These prices are based on the discounted lead price through the Back Office, and lists are scrubbed with the do not call list)

15 AFA Lead Cost Health Insurance Leads Cont'd: Under Age 18-64: Dialer, Live Transfers: $2.99 cents per Transfer (Minimum 20 Transfers) Internet, 100 Excel Leads, ( days old): $30.00 Internet, 100 Excel Leads, (3-90 days old): $50.00 Internet, Exclusive Leads, On and Off Exchange: $13.00 List, 100 Name Business List, (10 Employees and below): $10.00 Medicare Supplement 65+: Dialer, Live Transfers: $2.99 cents per Transfer (Minimum 20 Transfers) Internet, Exclusive Leads: $28.00 TV, Exclusive Leads: $15.00 List, 100 Name Consumer List, (Ages 65 and above, Income $50,000 and above): $10.00 (These prices are based on the discounted lead price through the Back Office, and lists are scrubbed with the do not call list)

16 Promotional Guidelines - Life Agent/Managers State Agency Manager: Minimum $1,500 submitted annualized premiums per week (6 app. monthly minimum) for 3 consecutive months with a total agency of 25,000 AV per week or equal AV points, see below. Promotion to this level also requires proven successful leadership and loyalty to AFA. (For additional details contact your National Marketing Manager) Sales Manager: Minimum $1,500 submitted annualized premiums per week (6 app. monthly minimum) for 3 consecutive months or equal AV points, see below. Senior Agent: Minimum $1,000 submitted annualized premiums per week (4 app. monthly minimum) for 3 consecutive months or equal AV points, see below. Agent: Get started creating an incredible career. Life business points are divided by 1, example 1000 Life AV = 1000 points Health business points are divided by 10, example 10,000 Health AV = 1000 points Supplemental business points are divided by 5, example 5,000 AV = 1000 points Annuity business points are multiplied by.05, example 20,000 AV = 1000 points Must maintain a minimum of 70% persistency Any client business resubmitted within 90 days will not be counted towards promotional productions If a sub agent gets promoted to your level and you are not promoted to the next level, that agent and their down line will be transferred to your up line manager Agent Signature

17 Income Possibilities With AFA AGENT APPS SOLD PER WEEK AVERAGE SALE $600 TOTAL AV TOTAL COMP 80% WEEKLY ADVANCE 75% TOTAL ANNUAL INCOME 48 WEEKS 1 $600 $480 $360 $23,040 2 $1,200 $960 $720 $46,080 3 $1,800 $1,440 $1,080 $69,120 4 $2,400 $1,920 $1,440 $92,160 5 $3,000 $2,400 $1,800 $115,200 6 $3,600 $2,880 $2,160 $138,240 7 $4,200 $3,360 $2,520 $161,280 8 $4,800 $3,840 $2,880 $184,320 9 $5,400 $4,320 $3,240 $207,360

18 Income Possibilities With AFA SENIOR AGENT APPS SOLD PER WEEK AVERAGE SALE $600 TOTAL AV TOTAL COMP 85% WEEKLY ADVANCE 75% TOTAL ANNUAL INCOME 48 WEEKS 1 $600 $510 $ $24,480 2 $1,200 $1,020 $765 $ $1,800 $1,530 $1, $73,440 4 $2,400 $2,040 $1,530 $97,920 5 $3,000 $2,550 $1, $122,440 6 $3,600 $3,060 $2,295 $146,880 7 $4,200 $3,570 $2, $171,360 8 $4,800 $4,080 $3,060 $195,840 9 $5,400 $4,590 $3, $220,320

19 Income Possibilities With AFA SALES MANAGER APPS SOLD PER WEEK AVERAGE SALE $600 TOTAL AV TOTAL COMP 90% WEEKLY ADVANCE 75% TOTAL ANNUAL INCOME 48 WEEKS 1 $600 $540 $405 $25,920 2 $1,200 $1,080 $810 $51,840 3 $1,800 $1,620 $1,215 $77,760 4 $2,400 $2,160 $1,620 $103,680 5 $3,000 $2,700 $2,025 $129,600 Group doing 5 apps with 5% Average override AVERAGE SALE $600 TOTAL AV 5% Override WEEKLY ADVANCE 75% TOTAL ANNUAL INCOME 3 Agents $9,000 $450 $ $151,200 5 Agents $15,000 $750 $ $165, Agents $30,000 $1,500 $1,125 $201,600

20 Income Possibilities With AFA STATE AGENCY MANAGER APPS SOLD PER WEEK AVERAGE SALE $600 TOTAL AV TOTAL COMP 95% WEEKLY ADVANCE 75% TOTAL ANNUAL INCOME 48 WEEKS 1 $600 $570 $ $27,360 2 $1,200 $1,140 $855 $54,720 3 $1,800 $1,710 $1, $82,080 4 $2,400 $2,280 $1,710 $109,440 5 $3,000 $2,850 $2,137.5 $136,800 Group doing 5 apps with 10% Average override AVERAGE SALE $600 TOTAL AV 10% Override WEEKLY ADVANCE 75% COMBINED ANNUAL INCOME 10 Agents $30,000 $3,000 $2,250 $280, Agents $60,000 $6,000 $4,500 $424, Agents $90,000 $9,000 $6,750 $568,800