BECOME SOMETHING MORE.

BECOME SOMETHING MORE.

1 BECOME A MEMBER OF THE DRESSANDER BHC TEAM We are a growing and innovative financial services company looking to add energetic and talented employees to our team. n We are a top-10 financial marketing organization. n We have produced $1 billion in premium each year for the past four years. n We operate on a foundation of integrity consistently doing the right thing for both our advisors and employees. n We partner with over 3,000 independent producers and financial advisors and represent more than 40 leading annuity and life insurance companies. Dressander BHC is committed to understanding and meeting independent agents and financial advisors needs. We have a 30+ year history of providing innovative and effective solutions and services to increase their annuity and life insurance business. We provide access to the top contracts in the industry then ignite their businesses by adding lead-generation tools, marketing programs and business building systems. We provide all of the tools and resources advisors need to establish and run successful businesses.

WHAT IS AN FMO? A financial marketing organization (FMO) markets, sells and distributes insurance products such as annuities and life insurance. FMOs are a middleman distribution system for the insurance marketplace. The insurance carrier creates, registers and underwrites the insurance product and the FMO distributes and wholesales the products to independent insurance producers and financial advisors.

PATRICK WEHRLY 3 WHAT MAKES US DIFFERENT FROM OTHER FMOs? Our business depends on strong, mutually beneficial relationships with advisors and carriers. We seek to deeply understand the people we deal with, anticipate their needs, and aim to exceed their expectations. n We lead the industry in providing an extensive array of marketing programs and systems to grow advisors businesses from prospecting programs to selling solutions to business-building events we provide advisors with solutions for foundational and continued success. n We host two off-site business-building and networking events each year for our advisors one event is held in the Chicagoland area and the other in a beautiful, warm-weather location during the winter season. Our Marketing Consultants can qualify to attend these events alongside their advisors. n We regularly thank and reward our top advisors by providing marketing reimbursement dollars and a unique deferred compensation program to help them build their retirement savings. Twenty five hundred your name here Guaranteed every month for life! 2,500 00 It is not how much money you have at retirement, it is how much income you can receive for life from your retirement accounts. WWW.RETAINYOURGAINS.COM STUDENT WORKBOOK STARTER KIT

Dressander BHC represents more than 40 annuity and life insurance companies and can give advisors access to the top contracts in the industry.

5 UNLEASH YOUR TALENTS Our employees receive significant training and education to perform their jobs effectively. We encourage and support them to continue developing their skills. We pay for our Marketing Consultants to obtain their life and health licenses, and as appropriate, obtain FINRA-securities licenses. We provide sales coaching from both internal and external experts. We have a highly competitive compensation plan, based on base salary and bonuses, as well as full-employee benefits including a 401(k) plan. Plus, there are numerous opportunities for employees to increase their annual income by: n Participating in DBHC contests throughout the year n Achieving milestones on our escalating revenue grid n Earning end-of-year bonuses n Qualifying to attend incentive trips hosted by carriers We provide our Marketing Consultants with the tools and resources they need to be successful. At the foundation of their success is the access they have to our large advisor lead database and our multi-faceted lead generation system. Specialty Divisions DBHC Life Insurance Division is a full-capacity unit that assists with longterm care solutions, estate planning and traditional life insurance needs. This division provides value to advisors by providing case design, supplemental income strategies, illustration assistance, and case management oversight. DBHC Advisory Network is dedicated to working with broker-dealers and registered representatives to meet the retirement needs of their clients. We are the leaders of digital wholesaling to registered reps and provide high-touch support, training and service through webinars, videos, DBHC University and online tools. The wholesalers and management team supporting this division are all FINRA-securities licensed.

OUR HISTORY TWO GREAT COMPANIES TOGETHER ONE POWERFUL FMO

7 Dressander and Associates In 1977, Virgil Dressander founded Dressander and Associates, a life insurance FMO with the mission to help agents turn their dreams into realities. As the company grew and prospered, his sons, Mike and Cam, joined the business and continued to build the company s reputation as an FMO based on the foundation of integrity and strong relationships. In the mid-1990s, the leadership trio added fixed annuity products to their business mix, anticipating the growing need for this product solution among the aging baby boomer population. Together, Virgil and his sons built the company into one of the largest FMOs in the country. BHC Marketing Founded in 1988, BHC Marketing was known in the industry for providing independent insurance agents with an abundance of value-added programs to get them in front of more qualified prospects and close more business. BHC was one of the first FMOs to offer brand-building tools such as customizable websites, newsletters and direct mail. Dressander BHC (DBHC) Futurity First Financial Corporation (FFFC) purchased Dressander and Associates and BHC Marketing in 2010. The two companies operated sideby-side until July 2013, when they formally merged together into one powerful FMO. DBHC is a leader in the fixed annuity industry and provides secure retirement solutions to clients nationwide. Futurity First Financial Corporation (FFFC) FFFC is a rapidly growing independent distribution company focusing on the sale of annuities, life insurance and other financial products. They are a fast-paced office, backed by a private equity firm, Aquiline Capital Partners.

9 OUR OFFICE LOCATIONS OFFER SOMETHING FOR EVERYONE Naperville, Illinois Naperville is a thriving suburb of Chicago. In recent years, it s been ranked as the second-best place to live in the United States by Money magazine, first on the list of best cities for early retirement by Kiplinger and one of the nation s safest cities by USAToday. Dressander BHC recently moved to a completely renovated 5,000 square foot office space in Naperville. The Woodlands, Texas The Woodlands is located 28 miles north of Houston and is a suburban development with many large corporate campuses. The Woodlands offers many entertainment venues including over 150 restaurants, a publicly accessible waterway and numerous music venues. Each of the "villages" in The Woodlands has its own shopping center with a core grocery store and shops, banks, gas, and restaurants. Hartford, Connecticut Hartford is nicknamed the "Insurance Capital of the World" and is one of the oldest cities in the United States. Hartford is home to the nation's oldest public art museum, the Wadsworth Atheneum; the oldest public park, Bushnell Park; the oldest continuously published newspaper, The Hartford Courant. It is also a center for medical care, research, and education. Several world-class institutions are located in Hartford, including Trinity College.

11 OUR TEAM KNOWS HOW TO HAVE FUN! Being a part of the high-energy, fast-paced team of DBHC is not all work we make time for fun. Employees regularly engage in different outside events and activities planned and sponsored by the company.

13 JOIN US! Contact Jeff Grockowski, National Recruiting Director 190 Trumbull Street, Suite 203 Hartford, CT 06103 Office: 860-724-4508 Cell: 954-629-2888 Fax: 860-403-0362 meetdbhc.com jeffgrockowski@dbhc.com

To learn more about Dressander BHC and becoming part of our team, check us out at meetdbhc.com.