Welcome ToWelcome To

A New World ofA New World of

OPPORTUNITYOPPORTUNITY

Seven Wealth Building Questions

And the answers that everyone should know.

What is important about money to you?

What’s Really New About Money?

Nothing much.

Just a different spin on same old ideas.

The airwaves are full of financial people.

Everyone has ideas on what you should do.

Each one of them wants you to pay them for their advice, their books or something.

The Industry Problem:Traditional financial institutions sell you products;they don’t provide you with a TOTAL SOLUTION.

Most People Don’t Plan to Fail, They Fail to Plan

The HBW Opportunity

Why Is Money Important to You?

Why Is Money Important to You?

Is money evil?

Will you be a part of the problem or a part of the solution?

What can money do for you that is important to you?

Life isn’t about money it’s about balance.

Does Money Have Wings?It does if you don’t control it.

Who is in charge of your money?

It’s not what you make that counts, it’s what you keep.

Learn to “Pay yourself first”.

In the Scriptures there is a promise made to the birds that God will “feed the sparrows”. The problem is He doesn’t

make it a practice to throw worms in their nests.

Financial Casualty Report

Retirement:

Insurance:

Debt:A tough 2005 law initially slashed the number of Bankruptcy filings, but the numbers are rising again; because the root causes of unpaid debt were never addressed.

Only 41% of adult Americans have individual life insurance. Many rely on group insurance, leaving them vulnerable if they lose their job.

Debt Source: MSN Money, September 2006 Insurance Source: LIMRA Report , 2005

Retirement Source: New York Times, March 13, 2005

Only fifty-percent of all workers participate in a retirement plan with their current employer.

To Plan or Not to Plan?

To Plan or Not to Plan?

Most people don’t plan to fail, they just fail to plan.

Your plan needs to be in writing.

Find a company or person you trust to help.

People who decide they want to be wealthy find ways and the time to

increase their earnings.

HBW Provides Solutions

Debt:

Insurance:

Retirement:

We show families how to accelerate and payoff their debts. Sometimes a mortgage refinance makes sense. Many times paying off debt requires additional household income.

We not only provide among the most competitive term insurance in the industry, we also offer long term care, critical care and estate planning products as well.

We look at the client’s whole picture and help them make smarter choices with their money. Focusing on short and long term needs increases chance of retirement success.

Now let’s take a look at the HBW opportunity.

Is Debt Bad?

Is Debt Bad?The borrower is servant to the lender.

Debt is “sold” to us from childhood up.

Prior to 1950 there was little or no debt.

Keys to managing your debt:

Knowing your “net worth”.

Maximizing Your Income Opportunities.

Having a spending plan and living by it.

Planned giving and saving.

Why Save Money?The Emergency Fund.

Retirement Fund.

Planned Purchases Fund.

Gifting to others.

Ideas to help you save:

• Save your change and dollar bills• Carefully consider every purchase.• Be grateful for what you do have.• Insure the Goose.• Understand the power of delayed gratification.

What Is The Greatest Financial Gift?

What Is The Greatest Financial Gift?

The Gift of Financial Knowledge.

First to your children.

To your Family.

To the community.

To the world.The wealthy have learned or been taught the principles of accumulating wealth and have

applied the principles to their life.

What kind of a world would we live in if more good people had money?

The wealthy have always understood the power of working together.

We have a community, the Helping Build Wealth

Opportunity to help America in these tough economic times.

In Today’s Economy…Ask Yourself• If you were to lose your job today, what would you have to fall back on for income? • If you keep your job

would learning about money and the right philosophies of money be beneficial to you?• Would saving money on

taxes and learning how to “make and save” more be of some interest to you?

•What are you doing now to accomplish these things?

• How would you like an extra $500 to $1,500 put

into your checking account every month?

If you could show people how to find a great and affordable mortgage anywhere in the U.S. would that

be a good thing?

Also, if you could help businesses obtain financing to grow their business would that also be a good thing?

Fidelity & Guaranty Life

INSURANCE

Who Does HBW Represent?

CHASE Home Loans

Community First

Wells Fargo

The HBW Mortgage ProgramMortgage Partner Offers

Ability to Lend in 50 States

Competitive Rates and Fees

Great Income to Originators

If it is cheaper, shorter and saves you money who

wouldn’t want to do it?

Money is tight, but rates are low. Traditional Mortgages

take time due to all paperwork requirements and

documentation.

Mortgages offered through The Victory Financial GroupLLC contracted with HBW Insurance & Financial Services, Inc.

For Training Purposes Only

10%

11%

12%

13%

14%

15%

1980 1985 1990 1995 2000 2005

US Consumer Debt Burden

Current 13.9%

US Debt Burden from 1980 - 2006As A Percentage of Household Net Worth

Source: Federal Reserve 2006

Credit card lending nearly quadrupled between 1990 and 2003, from $173 billion to $683 billion.

MSN MoneySeptember, 2006

If you could show families or individuals how to significantly reduce their debt, pay off their mortgage

faster and possibly save thousands of dollars in interest, do you think they might be interested?

Can you think of anyone who wouldn’t be? Why?

Here is what the Wealth Building Tool can do.

Save over $200,000 in interest and cut over 17 years off your time in debt. Can you get excited about this?

At a cost of only $99 it’s a No-Brainer!!

Helping Build Wealth/Cimarron Software Solutions

HBW Insurance & Financial Services, Inc. and Cimarron software offer debt reduction tools.

Here it is in a “nutshell”.

A helping Hand

A Place where experts show and teach you how to cut your tax bill while making and saving more money. A Place to support you and help you to become wealthy.

A computer based program that will take the exact same money you are spending now, that will show you exactly how to pay off

your bills in record time. Saving you thousands in interest.

The ability to help families with mortgages anywhere in the U.S. and also help businesses

with commercial loans.

If you could do this and have the opportunity to make as much as $500 to $1,500 per month and more, all we ask is, can you work a

minimum of 6 hours per month and do you have your own computer with high speed internet service?

The Economy is sinking in America!

Your friends, neighbors and relatives are going down with the ship and you can choose to be part of the problem

or part of the solution.

How would you like a Stimulus Package All Your Own?

We have the Answer:

The Helping Build Wealth Opportunity. Our Crusade: Save America and Make Money!

Which two ways to earn income appeal to you the most?

BUSINESSOwns a system. Has others working for them. Unlimited income potential via manufacturing, marketing, etc.

INVESTOR

Has money working for them. Enjoys complete freedom and lives the dream.

Four Ways To Earn Income

EMPLOYEE

Has a job. Income based on position, not the person.

SELF EMPLOYED

Owns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson.

Income Potential

How much can you make?

Ideas to Save and Make More

$24-$48 per Wealth Building Tool

$400-$550 avg. on $200k loan

Growth Income Potential

4 WBT + 1 Loan = $496.00 Per month

Move up to next level and make

4 WBT +1 Loan = $544.00 Per month

Associate Overrides 3 Associates who do 4-1 = $336.00Total $880.00 Per Mo. part time.

You want more?Move up to our

Top Non-Licensed Associate level:

4 WBT +1 Loan = $718.00 Per Month Associate Overrides

8 Associates doing the same = $1,584.00Total $2,302.00 Per Mo. part time.

Additional Income Opportunities for those who wish to become licensed financial professionals.

Results may vary depending upon various factors and there is no guarantee that these income results will be reached.

It’s Simple and it’s Easy

$148.99 to join. No monthly fees, no auto ship.$99.00 goes to Cimarron Software to purchase your own Wealth Building Tool for one year.$49.99 goes to Helping Build Wealth to manage and pay commissions and provide the mortgage program.Cost to join is a business expense.

What Makes Us Different?Only One Way and One Price to Join.

No monthly fees or required monthly purchases.

No Risks, you don’t have to quit your regular job, your cost to join includes the price of the WBT for

debt reduction, we will train you.

Opportunity to get licensed and make more than what is shown, but it is never required.

Develop your own wealth building plan with professional advice with no fees.

Now, who is serious about becoming wealthy?

(We need your registration to keep track of attendees whether you are interested or not.)

Ok, what do I do next?

The first step in any journey is always the

hardest.Why would you deny yourself the

opportunity help America and make money doing it?

Get the paperwork completed and start your business.

Join HBW’s $100,000.00 Ring Earners

Our Representatives Show It BestFor A Motivated Person, HBW Is One Of The For A Motivated Person, HBW Is One Of The Greatest Business Opportunities In AmericaGreatest Business Opportunities In America