Presented by Art Varavadekar WorldWide Financial Group, Inc

1. F.R.P ProgramFinancial Resource ProgramforHealthcare, Manufacturing, Corporate &Small Business EmployersHelping your employees reach financial security Presented by Art Varavadekar WorldWide Financial Group, Inc

2. While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided with the understanding that WorldWide Financial Group is not rendering legal, accounting or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.

3. What is the F.R.P Program? • A worksite financial analysis program for employees • A valuable addition to your benefits package • A service offered with no out-of-pocket cost to you or your employees

4. Will your employees achieve the American dream? According to the Federal Reserve Board, in 2008 Americans amassed over $2.5 trillion dollars in personal consumer debt – an average of $8,565 per household. In the last 12 months, nearly 34 million Americans have been late making a credit card payment, and 18 million people have missed a payment entirely.* *National Foundation for Credit Counseling, 2009 Financial Literacy Survey, April 2009

5. Will your employees achieve the American dream?, continued For today’s 65-and-older population, average life expectancy for American men and women is 17 and 20 years, respectively. Thirty percent of all women and almost 20 percent of men age 65 can expect to reach 90 years old.* According to a recent study by the Society of Actuaries, 52 percent of women and 37 percent of men identify depleting their savings as a top retirement risk.* *Society of Actuaries Report Outlines Retirement Risks and Identifies Approaches to Manage Those Risks, May 19, 2008

6. The time to achieve financial security is now! Smooth the road to financial retirement by helping employees make educated choices. Savings are low. Consumer debt continues to rise.

8. Most are inadequately protected “Forty-eight million U.S. households say they don’t have enough life insurance.” Source: LIMRA International, U.S. Life Insurance Ownership Study, 2005 Source: Trends in Life Insurance Ownership Among U.S. Households, LIMRA, 2005 One rule of thumb for life insurance benefits is seven to 10 times your annual salary; however, life insurance benefits can be adjusted to fit your personal needs.

9. Americans want professional financial help, but don’t often get it. Over 40 percent of consumers feel they need more professional financial advice today (compared to three years ago). While they want to be educated, most consumers do not want to acquire the knowledge through traditional methods such as seminars and newsletters. They want advisors to teach them directly. Most consumers expect their advisors to help in retirement planning and monitoring progress toward achieving financial goals. Source: LIMRA, The Advisor for Life, The Use of Financial Advisors Through Life Stages Series, 2009

10. The solution Help increase employee productivity and your profitability by offering a comprehensive workplace financial program: “Three out of four employees said they would definitely or possibly use financial services if sponsored by their employer.” Source: ThePrincipal Financial Well-Being IndexSM,First Quarter, 2007

11. Many employees don’t understand or appreciate the value or cost of their benefits.As part of our analysis, we will review your current benefits package and emphasize the importance of those benefits and the cost to you, the employer, to provide them. We will also help your employees understand how they can maximize their benefits. What does this program offer?

12. Employee benefits area huge expense Small businesses have seen the cost of providing certain benefits to employees rise dramatically. In 2007, the cost of providing health insurance rose 15 percent, averaging $4,559 per employee. The cost of retirement and savings benefits increased 14 percent to $2,694 per employee. Source: U.S. Chamber Study Finds the Cost of Providing Employee Benefits Continues to Rise Sharply, March 25, 2009

13. TheF.R.P. Program Financial Analysis Tools: • Large group meeting • One-on-one meetings • From Here to SecuritySM • Financial Strategies

14. How will you, the employer, benefit? • Potential for increase in morale from a better understanding and appreciation for existing benefits. • Being able to offer an additional benefit to your employees at no out-of-pocket cost to you. • Potential for improved employee health, work performance and attendance.

15. How does WWFGI benefit? • Allows WWFGI to establish a valued relationship with you, the employer. • Allows WWFGI to build relationships and provides value to your employees over time. • If any products are purchased, the independent consultants get compensated by the companies whose products are purchased.

16. Where do we go from here? • We both sign the Employer Agreement. • Your Human Resources department gives us a list of employees and an overview of your benefit package. • We will provide you with a letter and brochure to put in payroll envelopes introducing the program. • We offer group presentations to introduce employees to the details of the program and emphasize the value of their existing benefits. • We offer to meet individually with any employee who would like to take advantage of our complimentary service.

17. Thank You! F.R.P The Financial Resource Program WorldWide Financial Group, Inc.