1. Is Your Mortgage & Lifestyle Totally Protected?

2. Who is USA Benefits Group? About the Company  USA Benefits Group is a nationwide network of health and life insurance professionals that have been serving small business owners and the self-employed since 1988.  Non-captive agents working for you, not the insurance company  26 years of Health and Life Insurance Specialization  A+ rating with the Better Business Bureau  Representing top-rated companies as determined by A.M. Best About Your Agent  USA Benefits Group Eagle Division Manager since 2003  4000 Customers  16 Third Generation Families  CHU certified since 1998  37 Years Of Providing insurance Solutions For The Question: “Are You Totally Protected” “Are You Totally Protected” David L. Collins Executive VP David L. Collins Executive VPUSABG

3. We cover everything that affects your mortgage USA BENEFITS GROUP EAGLE DIVISION Providing Insurance Solutions for 37 Years We cover everything that affects your mortgage STABILITY & SECURITY WITH USABG EAGLE DIVISIONSTABILITY & SECURITY WITH USABG EAGLE DIVISION –Nationwide network of insurance professionals serving home owners since 1977. –37 years of providing mortgage protection solutions for the WHAT IF of life! –Over $550 million in business, while insuring 100,000 thousand mortgages and lifestyles –We have witnessed over a billion dollars in mortgage claims. We know what you need to protect your mortgage and lifestyle TOTAL MORTGAGE PROTECTION PLUS FAMILY SECURITYTOTAL MORTGAGE PROTECTION PLUS FAMILY SECURITY –We cover everything that affects your mortgage –Die before the end of your mortgage –Have a Critical Illness Event –Cancer + Accident + Heart + Stroke –Have a accident disability –Live to the end of your mortgage

4. Total Mortgage Protection Plus It’s Not Always The Other Guy! #1 Cause Of Foreclosures And Bankruptcies  CANCER EVERY 24 SECONDS –55% Of All Hospital Admissions –I in 2 males + 1 in 3 females –Average recovery 14 months –6 Times More Likely Than Dying  CORONARY ILLNESSES EVERY 29 SECONDS –1.2 million heart attacks & 800,000 surgeries per year –10% Of All Hospital Admissions –Average Recovery 8 To 10 Months –6 Times More Likely Than Dying  ACCIDENTS –There is over 20 million accidents every year –14% Of All Hospital Admissions –Average recovery 8 months –5 Times More Likely Than Dying

5. Dying Is Not The Greatest Risk To Your Mortgage  68% of all hospital confinements are related to the 3 most common critical illnesses  SIX TIMES MORE LIKELY THAN DYING  WE WOULD PAY $50,000 ON DIAGNOSIS  WOULD PAY MEDICAL EXPENSES  WOULD PAY MORTGAE PAYMENT  WOULD PAY LIVING EXPENSES  14% of all hospital confinements are related to disabilities from accidental injuries.  FIVE TIMES MORE LIKELY THAN DYING  WE WOULD PAY THE MORTGAGE FOR 24 MONTHS  IF THE ACCIDENT INVOLVES MAJOR BURNS OR PARALYSIS WE WOULD ALSO PAY $50,000 ON DIAGNOSIS *82% Heart Stroke Cancer Accidents All other procedures and surgeries STATISTICS FOR HOSPITAL CONFINEMENTS *AMERICAN HOSPITAL ASSOCIATION

6. 80% USE UP ALL THEIR LIFE SAVINGS What if this happened to you? 80% USE UP ALL THEIR LIFE SAVINGS What would you do? Average out of pocket, $16,500 THESE CLAIMS ARE ALL MY CUSTOMERS THESE CLAIMS ARE ALL MY CUSTOMERS  BREAST CANCER / $414,137  10 MONTHS OF LOST INCOME  Received $50,000 On Diagnoses  HEART ATTACK WITH SURGERY / $243,000 Bill  13 MONTHS OF LOST INCOME  Received $50,000 On Diagnoses  ACCIDENT WITH 7 SURGERIES / $393,000 Bill  24 MONTHS OF LOST INCOME  90 Day Wait. Received $2,200 Monthly For 21 Months  OUR GOALS ARE SIMPLE, PROTECT THE MORTGAGE  Pay The Mortgage Payment On Critical Illnesses And Accidents  Pay Bills On Critical Illnesses  Pay All Out Of Pocket Cost On Your Major Medical  Pay Off Mortgage If You Die  Return Your Premium, If You Do Not

7. USABG Mortgage Protection Plus If Cancer Or An Accident Was In Your Future Which Plan Would You Prefer ?? DEATH AND CI EVENTS Mortgage Protection Plus IF YOU DIE We Pay Off Mortgage + CRITICAL ILLNESS We Pay $50,000 Cash CRITICAL ILLNESS We Pay $50,000 Cash+ ACCIDENT DISABILITY We Pay Payment + IF YOU LIVE Return Of Premium Standard Protection IF YOU DIE We Pay Off Mortgage + CRITICAL ILLNESS We Pay $25,000 Cash CRITICAL ILLNESS We Pay $25,000 Cash CRITICAL ILLNESS DEATH BENEFIT ACCIDENT DISABILITY Return Of Premium

8. FOUR BENEFIT PLAN YOU COULD DIE We would pay off the mortgage YOU COULD HAVE CANCER 4 times more likely than dying We would pay $50,000 HEART ATTACK 3 times more likely than dying We would pay $50,000 YOU COULD HAVE AN ACCIDENT 3 times more likely than dying 90 Day Wait $1,500 Disability For 24 Months YOU COULD LIVE TO TERM We Would Return Your Premium TOTAL PROTECTION PLUS USA BENEFITS GROUP TOTAL MORTGAGE PROTECTION PLUS Will Schroer Family / 73160 / 42 &39 $150,000 30 Year Mortgage / $1,300 Payment $151 ($54,360 Deposit) TOTAL PROTECTION PLAN TWO BENEFIT PLAN YOU COULD DIE We would pay off the mortgage YOU COULD HAVE CANCER 6 times more likely than dying We would pay $25,000 YOU COULD HAVE A HEART ATTACK 6 times more likely than dying We would pay $25,000 $109 ($39,230 Bill) USABG EAGLE DIVISION OUR GOALS ARE VERY SIMPLE PAY THE BILLS 100% A Check is Better.. Than A Get Well Card PROVIDE INCOME + YOU RECOVER A Check is Better.. Than A Get Well Card