Darholy Financial Services, LLC

1. 2010 Darholy Financial Services, LLC An Independent Insurance Marketing Company Who We Are Darholy Financial Services is an independent insurance marketing company affiliated with the best insurance companies available in the USA. This is a company that recognized financial land mines and offer solutions to our consuming public. One of our main focuses is to educate everyone about our comprehensive tax strategies. We offer savings plans that really work in minimizing and avoid taxation. In this company we will make sure everyone gets what they deserved as Clients and Agents alike. We have the best compensation system that really makes sense and it’s second to none. Our overall system is so easy and truly duplicable for our serious entrepreneurs. We enlighten, encourage and empower people in offering the best protection(s) they might need while they are saving for their future. In DFS, you have the freedom to run a company within a company. As a DFS Sales Associate, you are King, you are free, you are independent, you are your own boss, and you are a Business Owner. DFS’ ultimate goal is for everyone to “Dream Again” For Agent Use Only – Not For Use With The Public

2. 2010 Top Priority Business Ownership The Dream DFS Control your own destiny Unlimited Income The Ultimate Dream: To change your family’s DESTINY - By building Financial Independence in your life time, you influence your family’s lives for generations to come. -The Financial estate you build today gives future generations the kind of options for their lives that are only dreams for most people DFS DFS Financial Security To Live and enjoy life to its fullest Financial Freedom For Agent Use Only – Not For Use With The Public

3. 2010 Business Opportunity with leverage DFS * Great Products – Life Insurance, Final Expense, Cancer, Worksite UL2 and Health Insurance * Great Compensation – Traditional and Multi Pay System * Bonuses and Rewards * Non Captive – But Captivating * Profit Sharing * Turnkey System * Affiliated with solid and strong companies DFS For Agent Use Only – Not For Use With The Public

4. 2010 Affiliated Companies Conservative UL w/ two years Commission A Life and Health Insurance Company Life Options EIUL, Conseco Providence Worksite UL – Portable, GI or EIO, Cancer, Hospital, Accident, and Wage Guard Impaired Risks, Final Expense Guaranteed Issue and Term with ROP Cheapest Term – Full Underwriting 65 non-med to $250,000 – Big UL doubles your death benefit at the first 15 years. Full line living benefits and Plan Right GI CONSECO, LLC is The Right Partner to have As a One Complete Company Health Insurance Provider for Individual or Group SPWL with 10% bonus with no surrender charge and Non-Med Term Full line Living Benefits Annuity with 8% bonus and Long Term Care For Agent Use Only – Not For Use With The Public

5. 2010 Today’s Dilemmas • Average Americans lost at least 40-50% of their life savings in today’s market • 90% that owns a savings vehicle plan has no protection and subject to severe taxation • 90% that have life insurance has no “Living Benefits” • All of them dreamed to retire comfortably but most end up in nightmares in today’s market • Insurability and Unforeseen Illnesses Arise For Agent Use Only – Not For Use With The Public

6. 2010 How do you protect against an unforeseen illness? • Every 29 seconds; someone suffers from a coronary event. • Every 45 seconds; someone suffers a stroke. • 45% of heart attack victims are under age 45. • Men have a 1 in 2 risk and women have 1 in 3 of developing cancer in their lifetime. • At age 65 the odds are nearly one in two that you will require nursing home services for at least 2 ½ years • An extreme illness can cost well over $100,000 in out of pocket expenses. We Have The Solutions For Agent Use Only – Not For Use With The Public

7. 2010 DFS Offers all the keys of a life insurance • Tax Free Retirement Planning (Savings Vehicle) • Living Benefits – (Chronic, Critical and Terminal) • 3. Higher Cash Value Accumulation w/ Guarantees (Upside Potential with Downside Protection) • Non-Medical Term with ROP • Impaired Risks, Simplified and Guaranteed Issue • Long Term Care, Cancer, Accidents, Health Insurance, Nursing Home and Primary Insured Term Riders • Off setting bonuses from our carriers • Waiver and Return of all Premium • Accidental Death Benefit ( Most of the time it doubles your death benefit if you died accidentally) For Agent Use Only – Not For Use With The Public

8. 2010 = Protect yourself and your family while saving for the future Disability Retirement Income Terminal Chronic and Critical Illness Life Insurance Multiple Needs, One Combined, Affordable Solution Life Insurance You Don’t Have To Die To Use For Agent Use Only – Not For Use With The Public

9. 2010 Protection Against unpredictable market The fact is 30% of your hard earn dollar goes to pay taxes and 30.4% goes to pay interests. Where would you save the remainder? Upside Potential with Downside Protection – Indexed Universal Life 0 -3.1% ------------7 -11% ------------11 to no cap Bottom Cap Avg. Top Cap Savings Plan that is better than Bank savings accounts. S&P 500 IUL - Annuity Bank Savings Account Upside potential Downside Protection Guaranteed Non-Guaranteed Graphs are not an actual results. It is intended for hypothetical use only. For Agent Use Only – Not For Use With The Public

10. 2010 SPWL and Indexed Universal Life Protect your promises while you save Single Premium Whole Life SPWL /IUL VS Annuity CD/401K Tax Free Death Benefit Yes No No/No Living Benefit Yes Yes No/No Flexible Premium Yes Yes No/Yes Avoid Probate Yes Yes No/No Loan Privileges Yes Yes No/Yes Tax Deferred Growth Yes Yes No/Yes Bonus Available on Premium Yes Yes No/No Lifetime Income Option Yes Yes No/No Potential High Yields Yes Yes No/Yes Tax Free Distribution Yes No (unless it’s Roth IRA) No/No Protection From Creditors Yes Yes No/No For Agent Use Only – Not For Use With The Public

11. 2010 Tax-Free Retirement Tax now - tax later - tax free #1 Tax Trap For Agent Use Only – Not For Use With The Public

12. 2010 COMPENSATIONandPROMOTIONAL GUIDELINES on Traditional System Forester UHL IAP Sagicor LSW Managerial Promotion Is Through Duplication GA 80% SGA 85% NGA 90% SNGA 95% ENGA 100% Sales Manager – 75% 50,000 Annualized Premium Senior Agent – 70% All promotions – maximum credit for largest leg is 75%. GA – SNGA promoted to next level when you replace yourself. Rep to Sales manager – based on organization annualized premium. 50,000 Annualized Premium Non-Qualified DFS Sales Associate may share commissions with a licensed producer as a referral fee on a training sale. If the producer chooses to pay, the payment may not be conditioned on the purchase of insurance nor may the purchase of insurance be a factor used in determining the amount of the referral fee. Non-qualified producer must refrain from selling, solicit or negotiate the insurance being sold. Agent – 60% 10,000 Annualized Premium Representative – 50% Compensation shall be paid in accordance with the standard practices and procedures of the Company, which practices and procedures may be changed by the Company at any time . Table of First-Year-Commissions. This schedule is subject to change by the Company at any time.For Agents Use Only

13. 2010 ConsecoCompensation Grid Associate 40% 5-3 Associate Agent 50% 10-6 Senior Associate Agent 60% 25-10 Associate Manager 65% 50-20 Senior Associate Manager 70% 75-30 Multi Pay System All promotions – maximum credit for largest leg is 75%. Associate – ENGA promotional guidelines must be met in order for the promotion to take effect to the next level. Promotion is based on organization annualized premium and required recruits. Multi Pay starts at GA. GA 1st Non-Qualified DFS Sales Associate may share commissions with a licensed producer as a referral fee on a training sale. If the producer chooses to pay, the payment may not be conditioned on the purchase of insurance nor may the purchase of insurance be a factor used in determining the amount of the referral fee. Non-qualified producer must refrain from selling, solicit or negotiate the insurance being sold. GA 2nd GA 3rd GA 4th GA 5th GA 6th GA 7th GA 8th For Agent Use Only – Not For Use With The Public

14. 2010 The Power of Three Based on average sale of $2000/month net income You 3 sales a month = $6,000 Bring in three Avg. 20% Managerial Override 1 2 3 = $18,000 = $3,600 Each one does three sales a month Your Sales + Your Overrides = $9,600 monthly income EX: To Calculate a $200 a month premium at 60% $200 x 12 = $2400 x 60% = $1,440 DFS will Advance 100% For Agent Use Only – Not For Use With The Public

15. 2010 Caesars Palace Momentum builder reward Bring in 3 new paid sales associates to join the company receive one of the following services or cash for fun bonus. * Two nights 5 star Hotel Accommodation w/ Dinner for two * $199.99 Cash in or credit it to a new recruit * Two nights and three days escapade * Bed and Breakfast One Personal Video Montage ($300 value) * Hot Balloon Ride For Agent Use Only – Not For Use With The Public

16. 2010 How to Get Started • Provide Three Training Sales • Commit to the Power of Three • Get Licensed • Start-Up Kit (Pay 199.99 Application Fee) • Webpage (limited to Licensed Associates) • Tax-Free Retirement Book • DVD – Company Overview • Automatic Participation of the Award and Bonus Program • Work with your Managers • Utilize Our Website www.darholy.com and look for training dates and location, attend if possible. Download forms and register to join. For Agent Use Only – Not For Use With The Public

17. 2010 Thank You See You At The Top For Agent Use Only – Not For Use With The Public