POWER UP + GROW + PROTECT

INTEGRITY with GFD | Re re Your WorriesA New Wealth Accumulation and Protection Solution For Business Owners

BusinessOwnersGuide

The Need For Better Options

Integrity Solution:

Accelerated Wealth Accumulation

Additional Life Insurance Protection

Significant Tax Advantages

Multiple Exit Strategies

Financial Legacy for Your Chosen Heirs

Main Challenges:

Not having enough money to last you and your family for the rest of your life.

Having to pay more taxes as your business grows and succeeds.

Realizing the true value you deserve from your business.

Rewarding your family in the event of your premature passing.

Current Retirement Planning Options May Fall Short

Limitations of Current Retirement Plans

Limits to Maximum

Contribution

401K

Expenses

Fiduciary Exposure

Tax Liabilities upon Withdrawal

in Retirement

Annual Administration

Costs

Discretionary Matching Costs

Need to Watch Trustee Fees

100% Funding by the Employer

Limits to Maximum

Contribution

Expenses

Tax Liabilities upon Withdrawal

in Retirement

SEP

• designed for a business owner: u zes the business en y as the founda on for wealth accumula on and growth

• to provide substan al funding right from the startto kick-start wealth accumula on

• to maximize life insurance benefits

• uses a • deposits the loan proceeds into a universal life

insurance policy to

• a weal• an efficient and cost-effec ve way of purchasing or

consolida ng life insurance• a powerful combina on of wealth accumula on and protec on.

Whom is It For?

What is Its Goal?

How Does It Work?

How is It Used?

What is the Process? • affordable, transparent and simple to implement• may be used as an add on to exis ng re rement plans

Integrity with Global Financial Distributors® (GFD)Make Future Contribu ons Work Today

Footnote: Global Financial Distributors® is a registered trademark of Entaire Global Intellectual Property Inc.

UP-FRONT FINANCING WEALTH ACCUMULATION EXIT STRATEGIES

The Loan:

Interest-Only

No Personal Guarantee

May or May Not Require Collateral

Renewable *

Call Protec on*

The interest payments on the loan may bto the business

The cash value of the policy grows tax-deferred. Tax-

Life Insurance Policy:

methods available

Has limited downside risk to theprincipal

Significant life insurance coverage

Flexible Exit Strategies:

Sale of the Business

Re rement Income

Genera onal Transfer

Death Benefit

*Consult Integrity contract rider regarding renewability and call protection. Riders are subject to state availability, certain limitations, and may require additional charges. See terms of the rider for full details. **(See “Disclaimer” page at the end of this presentation.) Each customer should make an independent evaluation or assessment of the transaction and should consult with his/her legal and/or tax advisor.

1. POWER UP 2. GROW + PROTECT 3. ENJOY

The Business receives a loan The loan principal is deposited into a Universal Life Policy

You create mul ple exit strategies

Integrity with GFD® – H o w It Works

Get a Significant Capital InfusionBusiness Owner Case Study: 50 year old Male, rated standard Re rement: 70 years old

1. Power Up: Up-Front Financing

Integrity with Leveraged Planning® Loan - Conversion Chart

Business Owner’s Current Annual Contribu on

The 20-Year Loan Amount Available Through Integrity with Entaire*

25,000 = 455,000

45,000 = 818,000

65,000 = 1,182,000

85,000 = 1,545,000

100,000 = 2,000,000

•You start with 15-20 times more funds than a traditional retirement plan participant•You only spend more if you wish to make more• Keep in mind that this is a loan and is encumbered until such time as the loan is repaid, which can be throughgenerational transfer, death or sale of the business.

Advantages:

Footnote: Leveraged Planning® is a registered trademark of Entaire Global Intellectual Property Inc.

Integrity with GFD® Retirement Program

401K IntegrityAnnual Contribu(Salary Deferrals and Profit Sharing)

16,500 0

Contribu n to “IRP” 0 685,000

Annual administra n expenses 8,500

Annual Net Contribu n/Cost 25,000 25,002

20-Year Total Contribu 330,000 685,000

20-Year Cost at Current Rates 500,000 500,040

20-Year Value (at 7.5% compounding rate of return on the Annual Net Contribu n)

768,111 1,794,210

Taxa n at 30% 230,433 N/A

Total 20-Year Value 537,678 1,794,210

Business Owner Case Study: Age: 50 years old Male, rated standard Retirement: 70 years old

Integrity Business Owner's initial contribution is equivalent to more than two times the 401k cumulative 20 year contribution.

•Minnesota Life Eclipse Indexed Life Product. Includes full funding of death benefits. This example is based on assump s and is being provided for informa alpurposes only. The amount of life insurance purchased affects the cash accumul on and dividend rates and therefore may not cover the interest on the loan.

The cash value of the policy will increase with the market without

essentially any downside risk to principal and prior period earnings.

Annual Crediting

5%

$1,000,000

Annual Crediting

8%

$1,080,000

Market Down Turn- 8%

$993,660

Annual Crediting0%

$1,134,000

Needed to Catch Up14.12%

2. Grow and Protect: The Equity Indexed Universal Life Products*

*This is a hypothetical example. Past performance is not indicative of future results.

Integrity with GFD® Insurance Flagship Product Minnesota Life Eclipse Indexed Life – Historical Perspec ve*

Look-Back Periods Annual Return

15 years 8.85%

20 years 8.34%

25 years 8.95%

30 years 8.86%

Business Owner Case Study: 50 year old Male, rated standard Re rement: 70 years old

* Source: Hallett Financial Group, Inc., a Field Marketing Organization for Minnesota Life. Based on Minnesota Life Historical Compound Averages of S&P 500, using Dec.1980 through Dec. 2009 timeframes. The attainment of the presented rates of return is not guaranteed or implied.

Past performance is not indicative of future results.

Maximize Life Insurance Benefits

Personal Business

Survivorship Income Key Person Life Insurance

Paying Off Financial Liabilities

Buy-Sell Agreements

Retirement Income Succession Planning

Estate Planning

Additional Benefits:

1. The opportunity to consolidate your current life insurance policies and expenses.2. The ability to lock-in the initial life insurance benefits regardless of the changes

in your health conditions down the road.3. A more efficient and cost effective way to take care of your insurance needs.

1. Sale of Businessto a Third Party

2. Generational Transfer

3. Retirement

4. Life Insurance Death Benefit

Enjoy: EXIT Strategies

Integrity’s Unparalleled EXIT Strategies

1. SALE OF BUSINESS TO A THIRD PARTY

Flexible treatments for repayment of commercialloan to limit taxable impact to Business Owner.*

The original Business Owner now has access to life insurance cash value to borrow against and full use of the entire death benefit.

2. RETIREMENT

The loan can be paid off from the cash value of the policy or external funds.

The remaining policy cash value can be used in the form of loans with full access.

There is no penalty for accessing this option prior to 59.5 or after 70.5 years of age.

3. GENERATIONAL TRANSFER

The transaction may be considered a sale to a third party and enjoys the same treatment.

4. DEATH/DISABILITY OF THE BUSINESS OWNER

Death Benefit is used to retire the commercial loan.

The remainder is usually a tax-free benefit to the Business Owner’s beneficiary of choice.*

The plan can be structured to be self-completing.

* (See “Disclaimer” page at the end of this presentation.)

Integrity with GFD®Benefit Summary

Provides up-front funding to kick-start your wealth accelera on

process…

=• Your ini al contribu on is equivalent to almost 20 years of

contribu on in a tradi onal plan.

• Has the poten al to increase the value of your assets greatly.

Maximizes your life insurance benefits… =

• Protects your assets from market risks.• A more efficient and cost-effec ve way of buying life insurance.

Provides benefits on both business and personal levels…

=• Has the poten al to drama cally increase the value of business

upon its sale.• May be used as supplemental re rement income and/or financial

legacy for your beneficiaries.

Provides significant tax advantages…* =

• Has poten al opportunity for tax deduc bility, tax deferral andtax-free withdrawals.

Organized as a turn-key solu on… = • Requires minimum work on your part – we do the rest.

* (See “Disclaimer” page at the end of this presentation.)

Is This The Right Fit For You? A Typical Integrity with GFD® Client

Needs an efficient and cost-effec ve life insurance policy.

Has an average of a 15-20 year wealth accumula on me horizon.

Has a steady revenue stream and cash flow.

Has substan al tax planning concerns

May have the need for succession planning; buy-sell agreements and/or using the business to fund estate planning.

May have lending restric ons in the current credit environment andlimited flexibility to acquire money to finance growth.

Integrity with GFD®Easy Turn-Key Implementa on

To pre-qualify for the loan, fill out a standard Personal Informa on

Form.

Apply for a life insurance policy and

complete underwri ng documents.

Receive a formal loan offer with closing

documents.

The Lender Automatically Sends Funds to the Life Insurance Policy Carrier to Fund Your Policy.

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Disclaimer

The information contained herein has been prepared to assist interested parties in making their own evaluation and does not purport to contain all of the information that an interested party may desire. Information in this piece may be updated at any time without prior notice. Should there be any inconsistencies between this piece and the information produced by Integrity Business Solutions, LLC, the product’s architect, please refer to the Integrity Business Solutions’ material as the source copy. Past performance does not guarantee future returns.

Please be advised that this content is based on our general understanding of federal income tax rules for U.S. individuals and businesses and may not be relied upon. Clients should consult and rely exclusively upon their own tax and legal advisors. Integrity Business Solutions Provider LLC does not provide any legal or tax advice of any nature, nor is this document intended to do so. Accordingly, any tax information provided in this content is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.