Whats Your Dream?

Most people today dream of two things: to be nancially secure and to have a career or business they love. ese two dreams can be achieved together or independently, yet many people today nd themselves nancially overextended and stuck in a job they hate. ValuTeachers provides an opportunity to build a Company within a Company and achieve nancial independence!
Todays Financial Crisis
Whether its getting out of debt, saving for the future, or preparing for the unexpected, many of todays families face a serious nancial crisis. eyre living paycheck to paycheck, overloaded with debt and unable to save. Whats more, the people that often need the most nancial help cant get it. Many average families are simply ignored by the nancial services industry. ValuTeachers is special and I love it; I love what we do for people. There is nothing like it in the industry. It has given me the opportunity to have a successful second career and travel around the world. - Sam Reavis, NSD
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Savings and Retirement Crisis

Savings & Retirement Crisis

In a recent survey, 31% of workers said they determined how much they would need for retirement by simply guessing. USA Today, March 30, 2005 48% of people in the work force think theyll still be working at 65 or older. Money, February 2005 In 2006, Social Security was the largest source of income for those currently 65 and older, accounting for 39.8% of their income on average. Women received on average 47.8% of their income from Social Security while men received 34% on average. EBRI, December 12, 2007 e personal savings rate in the U.S. has fallen to a negative percent. at means people are spending more than they earn! Atlanta Journal-Constitution, Nov. 1, 2005 A 65 year old couple retiring today would need to set aside $300,000 to pay healthcare costs for a 20-year span. EBRI

Debt Crisis

Debt in the United States has doubled in the past ten years. USA Today, April 29, 2005 About 103 million Americans carried balances, averaging $9,312, on their credit cards at the end of last year. USA Today, July 29, 2005 Foreclosure lings reported in October 2007 were up 94% over the same period ending in October 2006. e national foreclosure rate for the month was one foreclosure ling for every 555 households. Realtytrac.com, November 29, 2007

spend more than they earn

e Boston Globe, January 25, 2005

40%

More than 1.5 million people sought personal bankruptcy protection in 2004. Kiplingers, July 2005

As Debt Goes Up, Savings Goes Down

$10k 8%

Looking for Solutions

People often nd themselves in a nancial crisis because the business world today provides less security than it once did. Too many people struggle to climb the corporate ladder, but end up languishing in dead-end jobs with meager pay. ey put in years at a company only to be laid o, downsized, or outsourced. Does the dream of being debt free, owning your own business and controlling your own destiny seem out of reach?
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$8k

$9,312

6%

7%

$6k

$4k

Debt: Average credit card debt per U.S. household

4%

$2k

2%

$2,966

Savings: Personal savings as a percentage of disposable income

-1.1%
90 95 00 05 90 95 00

Sources: USA Today, October 8, 2005; USA Today, July 13, 2004; Atlanta Journal-Constitution, November 1, 2005

It doesnt have to be. 3

Where Dreams Come True

At ValuTeachers, we oer the opportunity to make your dreams come true. You have the opportunity to go into business for yourself, without all the risks of going at it alone. We oer people the chance to attain those seemingly impossible dreams of owning their own business, to take control of their nancial destiny.
ValuTeachers Crusade
ValuTeachers helps people make and save money. While other nancial services companies often ignore average income consumers in favor of high net-worth clients, ValuTeachers helps families save for retirement. Our mission is to help middle America retire with nancial dignity. With ValuTeachers, by helping others, you help yourself. Youll learn more about how money works and have access to unlimited income. In todays world of layos and pay freezes, you can actually earn what you think youre worth, and have the opportunity to own your own business.

ValuTeachers has changed my life and given me a place where I can stretch my wings and soar to any height. The view is phenomenal and Ill never look back to the classroom or boardroom where I was held back because my drive was intimdating to my managers. My success has empowered my children as well. I am no longer just a dreamer because ValuTeachers has fullled many of my dreams! - Rosette Barner-Harris, NSD
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Who is

ValuTeachers?
Some people think all companies in the Financial Services sector are alike. However, ValuTeachers is a One of A Kind Company that makes an extraordinary dierence for school employees across our country. ValuTeachers has over 30 years of experience and commitment to educating school employees on the concepts and formulas to build a secure retirement. e basic principle to a secure retirement is taught to every client: Pay Yourself First with IRS approved pre-tax plans such as a 403b, 457, 401k, and/or IRA. ese saving opportunities have been available to educators and non-prot employees for over 50 years, yet only 27% of eligible employees participate in a retirement savings plan. Our Mission is crucial! ValuTeachers, a marketing company, recruits, trains, and builds leaders Nationally to educate the marketplace about State Retirement Systems, Social Security, emergency savings, the retirement income gap, and all of the critical components necessary to secure nancial dignity at retirement. ValuTeachers is Making A Dierence that is unparalleled in the 403b/457 marketplace.

Todays Job Outlook Grim

Experts say that average white-collar pay raises 3.5% in 2004 and 3.5% predicted for 2005 are the lowest in almost three decades.
Parade, March 13, 2005

Nearly half of all Americans say theyre itching to leave their jobs. Some 40% are eager to start new jobs. Some 40% are eager to start their own businesses.
Money, February 2005

Department of Labor Jobs Report shows 2007 that was the weakest year for jobs growth in four years.
cnn.money.com, January 4, 2008

40%
want to start their own business

Part of a 157 year LEGACY...

LSW (Life Insurance Company of the Southwest) is a Dallas, Texas based national nancial services company. LSW specializes in the design, administration, and marketing of tax-deferred retirement vehicles. One of LSWs specialties is the 403(b) marketplace. LSW is a wholly owned subsidiary of National Life Insurance Company, a 157 year-old insurance company based in Montpelier, Vermont. National Life and all of its subsidiaries are jointly referred to as the National Life Group. Together, they have over $19 billion is assets and 728,000 policyholders. Companies of the National Life Group provide products available under Internal Revenue Code 403(b) to tailor make solutions to the needs of 403(b) policyholders. Since LSW began writing TSAs in 1985, it has consistently been in the forefront of the 403(b) market with innovative products, leading edge representative compensation and personal service. LSW is an authorized TSA provider for over 5,000 school districts, universities and not-for-prot organizations.

A Distribution Powerhouse
With support, ValuTeachers is poised for unprecedented expansion. ValuTeachers is creating more new independent business owners than ever before. Our school market is growing faster than we would have ever thought possible. However, we need more people who want a chance to change their Destiny forever!

Build Financial Independence

Build an income that compounds and increases yearly by 30 - 50% by maximizing the ValuTeachers system of building a large marketing organization. Expect a six gure income in three years or less with twenty associates on your team, and $500,000 income with 50 associates. However, if you are motivated and have the desire to be extraordinary, build a team with a hundred associates and earn a million dollars a year. ValuTeachers has given me the opportunity to create nancial security for myself and my family. What a great feeling...to know that I get up every morning and am in complete control of my own future. - Chase Christopher, SNSD
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ValuTeachers Success System

ValuTeachers specializes in meeting the retirement needs of the non-prot sector, most specically school employees. Our mission is simple yet profound. ValuTeachers is committed to helping every school employee Retire with Financial Dignity. Our System and delivery is unique and specialized within the industry. Our service is education, education, education. We do believe that knowledge brings power and ValuTeachers has empowered over 50,000 school employees to save and accumulate money to ll their income gap at retirement. We are determined to educate every eligible person. Our Mission Makes a Dierence.

No large capital investment required only $100 to get started No inventory to maintain You can own your ValuTeachers business Comprehensive training, marketing and operations support Build vested, recurring income

Start your business part-time No business experience or degree required Earn income while you learn Huge, untapped market An opportunity to reach the top Total exibility

A Better Way to Do Business

ValuTeachers is the ideal business opportunity for todays entrepreneurs. If youve ever dreamed of owning your own business, being your own boss, or a record career, take a closer look at ValuTeachers. Our success system allows you the freedom to build a business as YOU choose. Just compare.

Unique Business Model

ValuTeachers provides a builders opportunity that supports growth and development of a marketing organization. ValuTeachers partners with you to recruit, train, and develop as many leaders as possible to explode your business, your market and your income.

Leadership Training
e most crucial components to achieving success in American business today are support and a proven system for success. ValuTeachers provides tremendous leadership, continuous training, and access to successful business leaders who will mentor you while you achieve your dreams and goals.

Retirement Income Benet

Everyone wants nancial security that will support retirement, disability, or income to a beneciary. e ValuTeachers system provides leaders the opportunity to build an unlimited recurring income called residual income. Our concept pays our leaders to deliver quality product and great service year after year to our clients. e rewards for continued service are vested to you and your beneciary for life. In addition, our Estate Plan for builders is unparalleled in our industry. 7

Build a Dream Business

ValuTeachers oers the ideal business opportunity. You have the freedom to build a business how you choose, with no restrictions on your earnings potential. Whether you want to earn a little extra money part-time, or own your own business.
The Part-Time Answer
At ValuTeachers, you can keep your full-time job while starting your own business part-time. Maybe youre looking for some extra income or just want to see if ValuTeachers is the right opportunity for you. No matter what your nancial goals, a part-time income at ValuTeachers can make a big dierence to your family. Whether your dreams are big or small, ValuTeachers can help you make them come true. Take a look at how starting part-time can help you earn extra money each month. As a result of my relationship with Valuteachers, I am realizing my dreams through a six gure income, trips around the world, and retirement security through residual income. My wife Julie has been able to retire, assist me in the business, and accompany me on our travels. - Ken Love, NSD
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A. You are a Part-Time VTC doing 6 Personal apps/month. Your Monthly Personal Business $ 1,080 Total Annual Income $12,960 B. You are a Part-Time VTC doing 6 Personal apps/month. You also override 8 Reps writing 32 apps/month. Your Monthly Personal Business $ 1,080 Your Monthly Override Business $ 960 Total Annual Income $24,480

Build a Team
As you build your ValuTeachers business, you also have the opportunity to build your team and earn overrides. Take a look at how you can build your business even further as a part-timer.

You are a Full-Time DMD doing 10 Personal apps/month. You are also overriding 3 Part-Time VTC Teams for a total of 72 apps/month. Your Monthly Personal Business $ 2,100 Your Monthly Override Business $ 2,160 Your Monthly Renewals from Part-Time $ 612 Total Monthly Income $ 4,872 Total Annual Income $ 58,464

Transition to Full-Time Regional Leader

As you continue to build a team and expand your ValuTeachers business, you may decide to quit your regular job and become a full-time ValuTeachers representative. When you advance to the RMD level, you also have the opportunity to earn bonuses. See how much you can earn each year as an RMD.

You are a Full-Time RMD doing 5 Personal apps/month. You are also overriding 3 DMD Teams. Your Monthly Personal Business $ 1,350 Your Monthly Override Business $ 8,280 Your Monthly Renewals $ 1,278 Total Monthly Income $ 10,908 Total Annual Income $ 130,896

Build a Business and Work Toward the Estate Plan

With ValuTeachers, you have the opportunity to own your own business. As you continue to advance, your opportunity to grow is unlimited! You can advance other full-time RMDs on your team and earn more bonuses and overrides as you build an even bigger team. See how much you can earn as you build a business and work toward the Estate Plan.

You are an NSD managing your Team. You are overriding 2 RMD Teams and 3 Direct DMD Teams. Your Monthly Override Business $ 23,340 Your Monthly Renewals $ 4,167 Total Monthly Income $ 27,507 Total Annual Income $ 330,084
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Your Success is Our Goal

At ValuTeachers you have a support system of destiny. Youre in business FOR yourself but not BY yourself. Where else can you nd such a large support system devoted to helping YOU?

Where Ordinary People Do Extraordinary Things

Whats your dream? Is it to start a new career? Make some extra money? Try something dierent? ese people started with a dream and theyve changed their lives in the process. ValuTeachers is a place where, with hard work, anyone can make their dreams come true. ese people didnt want something for nothing. ey just wanted a chance. When they discovered ValuTeachers, they decided to go for it. Today, they are building the kind of security for their families that they never dreamed possible. With commitment and hard work, so can you.

Since ValuTeachers has become a part of our lives, we not only have helped ourselves nancially but we have been able to help numerous friends and former colleagues to start down the path to nancial security by providing sound, ethical retirement education. - Janice Hancock, DMD & Bob Hancock, RMD
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Make a Dierence
Our representatives come from all walks of life. eyre coaches and educators, health care workers and entrepreneurs, managers and nancial services professionals. But they all have two things in common: the desire to Make a Dierence and a Desire to Dream. Meet some of ValuTeachers SIX FIGURE leaders:

Former occupation: Plant manager

Ken Love, NSD

Former occupation: State Treasury Department

Sam Reavis, NSD

Chase Christopher, SNSD Etter Lee-Randall, NSD

Former occupation: Educator Former occupation: Educator

Owen Roberts, NSD

Former occupation: Financial analyst

Matt Bradshaw, SNSD

Former occupation: Educator

Denise Smith, NSD

Former occupation: PTA advocate

Roger Walker, NSD

Former occupation: Chemical sales

John Monahan, NSD

Former occupation: Educator and coach

Rosette B.-Harris, NSD

Former occupation: Corporate manager

Steve & Cathy Jahr, NSD Benjie MacNabb, NSD Ernestine McWherter, NSD Gary Johnson, NSD
Former occupation: Educators Former occupation: Financial services Former occupation: School superintendent Former occupation: Principal

Susan Simpson, NSD

Former occupation: Educator

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ValuTeachers is looking for people who want something better for their lives. People who want to dream again. People who want to control their own destiny.

Start Living Your Dream Life Today

www.valuteachers.com
For internal use only. Not to be distributed to the public. ACDKO0108