Slide1: Welcome Please turn off all cell phones or put them in silent mode


Slide2: “Your Dream Is Our Passion” John Chubirko - Founder American Benefits Company


American Benefits Company: Was founded by John Chubirko and Kevin McEachern Is a powerful membership driven national company based in Charlotte, North Carolina. Was developed with a group of veteran entrepreneurs in network marketing providing more than 50 years of combined experience. Is built on the concept of identifying the financial barriers of the American people, and providing them solutions, support, and services necessary to succeed in life. American Benefits Company


Slide4: There are over 300 million people in America today and 95% are financially stressed WHY? Lack of money Debt Rising cost of living Taxes Poor credit Financial Stress is the #1 Problem in America *U.S. Census Bureau


Problems with Income : Problems with Income People do not earn enough money! They… Work a typical second job Work 40-60 hours for 40 years Cap at a maximum pay scale Retire poor Upper-to-higher income bracket Make $60,000 or more in annual income Live above their means Mismanage their funds Do not plan for retirement


Overpaying Taxes Americans consistently over pay their TAXES!: Overpaying Taxes Americans consistently over pay their TAXES! More than 32% of income goes to taxes Gross $5,416 Per Month STATE 5416 X 7.5% = - 406 FICA 5416 X 7.65 % = - 414 FED 5416 X19.7% = -1067 Take Home Income $3,528 A Household Earning $65,000 Per Year For example: *Based on North Carolina State taxes


Problems with Debt: Problems with Debt The Average Consumer Pays $800 - $1500 per month in interest Could pay $1,000,000 in interest in their lifetime Has an average household credit card debt of $7,500 Leaves debt as a burden to their children


Slide8: Lack of Investments Americans save less than 2% of their income! 95% of Americans 65 and older have less than $5,000 in savings & investments! Most Americans will retire dependent on the government, family, or charity!


Slide9: Where am I today? Where do I want to be tomorrow? How will I get there? Ask yourself this… Most people struggle to overcome their financial obstacles…


Do You…: Do You… want to increase your income? want to reduce your taxes? want to pay off all your debt? want to pay off your home in 3-8 years? want to retire with more money? want financial freedom?


If you answered YES to any of the previous questions…: If you answered YES to any of the previous questions… Think about this!


If American Benefits Company can show you how to overcome these financial obstacles ... : If American Benefits Company can show you how to overcome these financial obstacles ... Lack of Money Taxes Debt Poor Credit Would you like to know more?


Slide13: We offer our members a powerful and easy-to-follow FINANCIAL SYSTEM that is proven to set you on your way to success. As a member you will learn how to: Increase Income – Start generating unlimited income through American Benefits Company business opportunity today! Reduce Taxes – Did you know that the average employee has only seven tax deductions, whereas the business owner has over 400? Eliminate Debt – Eliminate all debt (including your HOME) within 3-8 years, without borrowing more money and creating more debt, which allows you to accelerate your investments. American Benefits Company Financial System


As a member you have access to over 30 benefits of services and products to create more cash savings and improve the quality of life for you and your family.: As a member you have access to over 30 benefits of services and products to create more cash savings and improve the quality of life for you and your family. American Benefits Company


Professionally Designed Web Site: Professionally Designed Web Site Promote Your Business 24 Hours a Day Member Benefits Include: Free Web Site Free Web Hosting Complete Access to your Back Office Participate in Company’s Online Marketing Campaigns


Slide16: Are Low Credit Scores Affecting You? Free Credit Correction Manual How to order your free credit report How to read your credit report Sample letters Complete follow up program Special Member Rates on Full Service and Support Programs Legacy Legal… Credit and Debt Services An in-depth analysis of your credit report Identify damaging items on your report Create a plan of action to increase your credit score Help you clarify your financial goals Free Online Coaching Course! Under the supervision of Corporate Attorneys


Slide17: American Benefits Company - Business Line of Credit Acquire Up To $500,000 in Business Financing 100% UNSECURED! Loan Does Not Go Against PERSONAL CREDIT Up to $500,000 for businesses over 2 years. $100,000 for a startup! (1day to 2 years) No collateral required Revolving line of credit Pay interest only on the funds borrowed Get your money in up to 15 to 17 business days! Requirements: Must be incorporated or LLC 675 or higher on all three personal credit reports 2 years personal tax returns to prove income 2 years business tax returns


Slide18: Travel Services American Benefits Company Travel Center Reservations - Hotel Discounts - Auto Rentals Travel with American Benefits Company online Earn Commission (personal or referral) Exclusive Travel Discounts: Save up to 15% on Airfare … up to 30% on Hotel & Car Rentals Huge savings on cruises, tours, land and family packages Just click, pack & GO! NEW - Exclusive Savings! Vacation Discounts - Up to 50% Off *Personalized Travel Counselors Specialty Honeymoon & Romantic Travel Division Visa and Passport Services Quality-Controlled Error Free Reservations VIP Traveler Profiles Vacation Motor Home Rentals - Cruise America Motor Home Holidays!


Slide19: Family Legal Plan Free Initial phone consultations for each new legal matter (no time limit) Free Initial face-to-face consultations for each new legal matter (no time limit) Free Review of independent legal documents Free Simple Will for you and your family, updated annually Free Living will Free Assistance in solving problems with government programs (INS and Welfare) Free Letter writing (one per legal matter) Discounts For Commonly Used Legal Services Legal Services Special Member Rate Non-member Rate Traffic Ticket Defense $ 89.00 $199.00 Chapter 7 Bankruptcy $750.00 $3,000.00 Non-Support (Spouse/Child) $275.00 $1,490.00 Simple Divorce $275.00 $1,100.00 Real Estate Closing $250.00 $675.00 Regular Incorporation $295.00 $585.00


Slide20: Emergency Roadside Assistance Free Towing Service Free Lockout Service Free Car Start Service Free Flat Tire Service Free Out of Fuel Service Free Car Stuck Service Auto Purchasing - Fleet Pricing on Auto Purchases for members Exclusive Member Discounts on Auto Rental Discounts Maaco® Auto Painting and Bodyworks Discount Tire Co. Inc. Tires & Rims JIFFY LUBE® Meineke® Repair Services


Slide21: Identity Theft Protection ($25,000 Per Policy Period) Highly trained Identity Theft Specialists 24/7 ID Theft Claims Income Protection ($500 Lost Wages for 4 Weeks) Computer Physical Damage and Software Virus Coverage Expense Reimbursement Mortgage Concierge Service We offer Low Rate loan programs Refinancing Home Equity Loans Second Mortgages New Home Loans Member Benefits Include: $500 Discount Off Closing Cost Tax Review Services - Stop Overpaying Your Taxes!!! Get A FREE 2nd Opinion!


Slide22: Health Services Canadian/International Pharmacy Save up to 65% on your prescriptions and more! Hearing Services Save 50% - 60% off manufacturers suggested retail pricing! Dentist.net Biblical Counseling “Healing Hearts and Lives Through The Power of God’s Word” Free 30 minute counseling session by phone. Help with a wide range of problems Referral to community resources. Crisis Counseling MotherNature.com Receive a special 12% savings on already low prices! Business Services Merchant Accounts FREE QuickBooks Pro 2007 (with account) Check Verification Own A Business… Avoid Bad Checks! ACH Electronic Funds Transfers Check by Phone Recurring Billing Online Gateway FREE Bad Check Collection Receive 100% of the Face Value of the NSF Check USA Today Advertising Save up to 25% off of USA Today newspaper - No contracts - No minimums Shipping Services Overnight Letters DHL, Express Air Freight, Yellow Freight, and more… Shopping Services Floral Savings - Receive a 10% discount with a 100% satisfaction guarantee. Gifts are delivered across the street or around the world. Carpet Savings - Save at least 50% on carpets for your home or office Shop Till You Drop - Save 10% to 50% on over 300,000 brand name items Moving Savings - Get a 45% discount on North American Van Lines on storage in transit Mega Mall - Over 300 other great stores at your fingertips Theme Park Discounts - Many families are taking budget-minded vacations and saving a few extra dollars. Member Discount Club - Attractions – Amusement Parks – Hotel Other Member Discount Services


Our membership program offers these benefits and much more for only… $99.95 Per Month: Our membership program offers these benefits and much more for only… $99.95 Per Month Financial Comparison Monthly Auto Club $ 13.00 Legal Services $ 25.00+ Replicating Web Site $ 19.95 Credit Correction Services $ 59.00+ Discounts on Shopping $ 139.00+ Identity Theft Protection $ 12.95 Prescription Card $ 45.00+ Travel $ 50.00 Totals $363.90+ There is a one time $50 setup fee when you join. $3.33 Per Day


Slide24: INCOME OPPORTUNITY!!


Here are some of the benefits you will enjoy as anAmerican Benefits Company Associate : Here are some of the benefits you will enjoy as an American Benefits Company Associate Work From Home!  Unlimited Income Opportunity!  Bonuses!   Weekly Commissions!  Monthly Residual Income!


Here’s Our Simple Plan: Here’s Our Simple Plan An individual can join our American Benefits Company team, for as little as $99.95 per month. There is a one-time setup fee of $50 when you join. American Benefits Company's Associates receive a fifty dollar ($50) up front commission for every member you personally sponsor. American Benefits Company's Associates receive a monthly residual income of twelve dollars ($12) per Associate, unlimited width through five levels. NO INCOME QUALIFICATIONS!!! NO CHARGE BACKS!!!


Here’s How It Works: Here’s How It Works SPONSOR ONLY 5 MEMBERS You receive $250.00 ($50 commission X 5) Residual Income = $60.00 Per Month (5 x $12) NOW help your 5 do the same and see what happens… Bronze Associate Level (1)


Silver Associate Level (2) : Residual Monthly Bronze Level – 5 Members x $12 = $60 $60.00 Silver Level will have 25 Members x $12 = $300 You Have Earned $360.00 Total Per Month True Residual Income = (30 Members x $12) And….. Silver Associate Level (2) Teach each Bronze Associate how to enroll 5 new Members each (Silver level must be maintained for 30 days) For as long as they have a membership and you keep your membership active…


Slide29: (Gold level must be maintained for 30 days) For as long as they have a membership and you keep your membership active… Gold Associate Level (3) Show each Silver Associate how to enroll 5 new Members each Residual Monthly Total Bronze Level – 5 Members x $12 = $60 $60.00 Silver Level – 25 Members x $12 = $300 $360.00 Gold Level will have 125 Members x $12 = $1,500 You Have Earned $1,860.00 Total Per Month True Residual Income = (155 Members x $12) You now qualify for Group Health Insurance


Slide30: Platinum Associate Level (4) Show each Gold Associate how to enroll 5 new Members each… $9,360.00 Total Per Month True Residual Income = (780 Members x $12) Residual Monthly Total Bronze Level – 5 Members x $12 = $60 $60.00 Silver Level – 25 Members x $12 = $300 $360.00 Gold Level – 125 Members x $12 = $1,500 $1,860.00 Platinum Level will have 625 Members x $12 = $7,500 You Have Earned (Platinum level must be maintained for 30 days) For as long as they have a membership and you keep your membership active…


Slide31: Diamond Associate Level (5) Show each Platinum Associate how to enroll 5 new Members each… Residual Monthly Total Bronze Level – 5 Members x $12 = $60 $60.00 Silver Level – 25 Members x $12 = $300 $360.00 Gold Level – 125 Members x $12 = $1,500 $1,860.00 Platinum Level – 625 Members x $12 = $7,500 $9,360.00 Diamond Level will have 3,125 Members x $12 = $37,500 That’s $46,860.00 Per Month True Residual Income = (3,905 Members x $12) Wait……………………………………..… There's More!!! For as long as they have a membership and you keep your membership active… (Diamond level must be maintained for 30 days)


Congratulations! : Congratulations! A New Car! OF YOUR CHOICE up to $60,000.00 (Title Included)


Slide33: Associate Associate Associate Associate Associate Members Members Members Members Members We showed you how to get to the Diamond Level with our Model of five. What would happen if you went wide? Every person that you sponsor front line to you that builds their business with the model of five, you would earn $9,372.


Slide34: Level 6 Level 7 Level 8 Level 9 Unlimited You will earn $1.00 for every active member after your 5th level until the next Associate in your organization becomes a DIAMOND associate. After you are a qualified Diamond Associate you get an


American Benefits Company, Inc. Business Summary – You Receive…: American Benefits Company, Inc. Business Summary – You Receive…


Slide36: $3.33 Per Day $3.33 Per Day Your Choice!


Slide37: Ask Yourself These Simple Questions… “Discipline is doing what you must do to have the things you say you want to have.” Joyce Meyer Are you getting paid what you are really worth? Is your employer using you to fulfill his dreams? Are you teachable and willing to follow our proven Financial Success guide?


Slide38: Make Your Dream A Reality! “YOUR DREAM IS OUR PASSION”