FINANCIAL INSTITUTIONS INFORMATION GUIDE

FINANCIAL INSTITUTIONS INFORMATION GUIDE

Mission Statement:To empower and give HOPE to everyone

from the financially secure to the financially distressed.

Dave Ramsey is a personal money management expert, an extremely popular national radio personality, and the best-selling author of The Total Money Makeover. In his latest book, a follow-up of his enormously successful New York Times best-sellers Financial Peace and More Than Enough, Ramsey exemplifies his life’s work of teaching others how to be financially responsible so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others.

Ramsey knows first-hand what financial peace means in his own life—living a true rags-to-riches-to-rags-to-riches story. By age 26 he had established a four-million-dollar real estate portfolio, only to lose it by age 30. He has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right—financially, emotionally and spiritually.

Ramsey offers life-changing financial advice as host of a nationally syndicated radio program, The Dave Ramsey Show, which is heard by more than three million listeners each week on more than 300 radio stations throughout the United States.

Ramsey is the creator of Financial Peace University (FPU), a 13-week program that helps people dump their debt, get control of their money, and learn new behaviors around money that are founded on commitment and accountability. More than half a million families have attended FPU classes at their workplace, church, military base, local nonprofit organization, community group or Spanish-speaking organization. The average family pays off $5,300 in debt and saves $2,700 in the first 91 days after beginning FPU and is completely out of debt, except for the mortgage, in 18 to 24 months.

Ramsey created a group of products in an effort to teach children about money before they have a chance to make mistakes. Financial Peace for the Next Generation is an all-inclusive school curriculum that is currently in more than 1,300 schools across the country. Financial Peace Jr. is an instructional kit designed to help parents teach their young children about working, saving, and giving their own money. Through Ramsey’s entertaining children’s book series, The Super Red Racer, Careless at the Carnival, The Big Birthday Surprise, My Fantastic Fieldtrip, A Special Thank You and Battle of the Chores, children learn about working, saving, giving, budgeting, integrity and debt.

Ramsey earned his B.S. degree in Finance and Real Estate from the University of Tennessee. A frequent speaker around the country at large-scale live events, Ramsey is a passionate and inspiring presenter who is at ease on both sides of the microphone. More than 400,000 people have attended Ramsey’s live events.

About the Founder of FPU

What Is FPU?

Financial Peace University is a personal money-management class that is held in community groups, workplaces, churches and military bases across the country. The class is taught by Dave Ramsey on DVD, followed by an engaging small group discussion. Your group will learn, laugh and maybe even cry a little as you work together to beat debt, build wealth, and totally change your family tree!

Lesson Length

The class will meet for two hours each week for 13 weeks. The first hour will present the video lesson and the second hour consists of a small group discussion. This personal interaction is invaluable in changing your group’s behavior with money.

Small Groups

Following the video, a volunteer hosts a small group discussion. It is in the small group discussion where genuine behavior change takes place. The group members encourage one another to apply the principles they are learning.

Together, the group works through the seven Baby Steps needed to walk in financial peace. The objective of the small group is not to pry into everyone’s business; it is simply to walk together as each family learns and applies the principles.

Personal finance is 80% behavior

and only 20% head knowledge.

What Is FPU?

Weekly Lessons

Together with your small group, you will cover these 13 important lessons:

1. Super Saving Common Sense for Your Dollars and Cents

2. Relating With Money Nerds and Free Spirits Unite!

3. Cash Flow Planning The Nuts and Bolts of Budgeting

4. Dumping Debt Breaking the Chains of Debt

5. Credit Sharks In Suits Understanding Credit Bureaus and Collection Practices

6. Buyer Beware The Power of Marketing on Your Buying Decisions

7. Clause and Effect The Role of Insurance in Your Financial Plan

8. That’s Not Good Enough! How to Buy Only Big, Big Bargains

9. Of Mice and Mutual Funds Understanding Investments

10. From Fruition to Tuition Planning for Retirement and College

11. Working In Your Strengths Careers and Extra Jobs

12. Real Estate and Mortgages Keeping the American Dream from Becoming a Nightmare

13. The Great Misunderstanding Unleashing the Power of Generous Giving

How will my community benefit from FPU?

The average family that completes FPU pays off $5,300 in debt and saves $2,700 •during the 13-week period. That’s an $8,000 total turnaround in just 91 days!

Financial stress is reduced, providing a greater sense of peace in the home, •workplace and community.

Couples begin to communicate about money, priorities, goals and more.•

Singles are empowered and encouraged to find accountability partners.•

Families are strengthened, as parents learn to teach their children how to handle •money responsibly at any age.

Dave’s common-sense approach and entertaining presentation bring clarity to •important, but often overlooked, matters of personal finance.

Class members become more generous with their time and money as the stress of •financial insecurity is lifted.

New relationships are formed as the small group comes together to challenge •bad behaviors, support hurting families, encourage new beginnings, and celebrate victories.

The community will discover a safe harbor, where everyone can feel comfortable •being themselves, admitting their challenges, and revealing their weaknesses.

The Benefits of FPU

A safe harbor is where rest, repairand the restocking of provisions occurs

so that we can sail again.

What Others Are Saying About FPU

“Having supported FPU classes attended by thousands of people, we have found that FPU makes people smart about money. We offer products that are attractive to money-wise customers, so it has been a good match for Zion’s Bank.”

Don Milne, Zions Bank

“One of the wonderful benefits of offering Financial Peace University at our credit union was seeing the dramatic increase in our core deposits. As we saw the class participants learning the importance of an emergency fund, we began promoting emergency fund savings. Our deposits grew by $5 million during the three-month period! In fact, 200 new accounts were opened up just for the emergency fund savings. ”

Amy Petty, VP of Operations Allegiance Credit Union

“Financial Peace University has increased our relationship with our members. I think that they trust us more—they’ll ask us questions they probably wouldn’t ask other people.”

Melissa BrownHealthONE Federal Credit Union

Class Materials

Financial Peace University Membership Kit

Financial Peace University• Workbook – 13 life-changing lessons that walk you step by step through the FPU program.

Financial Peace CD Library• – Includes all 13 lessons, PLUS two bonus CDs—Dave’s Personal Testimony and The Best of The Dave Ramsey Show!

Budgeting Forms• – A complete set of reproducible monthly budgeting forms with full instructions and examples.

Financial Peace Envelope System• – Dave’s famous, easy-to-use cash management envelope system—a great tool to organize your money and stay on budget.

Financial Peace Revisited• Book – Over a million people have benefited from these solid financial principles of common-sense money management!

Two FPU Bonus CD-ROMs• – Financial calculators, money management forms and more! PLUS an extra disc to share with a friend!

Tip Cards• – A handy tip calculator with Dave’s Seven Baby Steps on the other side! PLUS we’ve included extras to give away!

Debit Card Holders• – Protects you and your card by reminding you that your financial peace depends on your behavior.

Financial Peace University Leadership Kit

The Leadership Kit includes one complete Membership Kit PLUS:

DVD Video Series• – Dave’s complete video library PLUS a promotional orientation DVD—everything you need to begin sharing FPU with your community!

FPU Coordinator Guide• – A step-by-step guide to assist you in leading the FPU small group sessions.

Promotional Brochures• – One set (50 count) of informative brochures that explain the benefits of FPU—a great resource to help publicize your upcoming class!

Much More• – When you register as an FPU coordinator, your benefits go beyond what’s included in this box! Go to daveramsey.com/fpu/coordinator to learn more!

Class Materials

Free Class Preview FAQ

1. How often do the classes meet?

There are 13 class sessions that meet one day per week.

2. How long is each class session?

• Wesuggesttwohoursforeachweeklysession.

• Part One presents the video teaching by Dave Ramsey to help you learn how to make wise decisions with your money.

• Part Two of each class session is a small group discussion in which the class members sit in a circle.

• Thesmallgroupdiscussionshelpyouimplementtheprinciplesintoyourdailylife.Group members hold each other accountable as you work together to achieve personal behavior change.

3. What is the average size of the class?

The video portion of the class is UNLIMITED. However, we recommend you break into small groups of 10-20 families for the small group time with a coordinator/small group facilitator for each group.

4. What happens if a class member misses one class? Can they make it up?

If a class member misses a class session, he or she can make up the lesson by borrowing the DVD from the class coordinator. Also, every FPU Membership Kit contains an audio CD library of all 13 lessons for review.

5. What is included in the FPU Membership Kit?

See Page 8 for a detailed list of components that comes with each Membership Kit.

6. Can I get CEU (Continuing Education Unit) credit for the class?

Yes! In many cases, FPU can award CEU credit to class graduates. Go to daveramsey.com for details.

Free Class Preview FAQ

7. What if people have a previous version of the FPU materials?

People with previous versions of FPU are considered Lifetime Members and may attend your class at no additional charge. If they would like to upgrade their materials, call your Advisor for details.

8. When will the first class start?

The first class session usually takes place approximately two weeks after the final Free Class Preview session, which allows time to process the enrollments and ship all the class materials.

9. Can your class member get additional assistance if they need it?

For more detailed, complex assistance, Dave Ramsey Certified Counselors offer discounts for one-on-one counseling. To find a counselor in your area, go to daveramsey.com/fpu/counseling.

10. Who benefits from this program?

Everyone truly benefits from this program regardless of your age or income, and whether you are single, married or a single parent.

11. How much does this program cost?

Materials retail for $199. If 10 families sign up, the cost of each Membership Kit is discounted to $93 plus $5.95 shipping (a total of $98.95 per family).

12. Who can attend with my Financial Peace University membership?

Your spouse and teens living in the home may attend as one family unit.

13. Is there any refund if I do not like the program?

Our guarantee is simply this:

If you do it, it works! If you don’t do it, it won’t work!If you will work the program, you won’t want your money back!If you don’t work the program, you don’t get your money back!

IMPORTANT—READ CAREFULLY: A Financial Peace University (FPU) Coordinator can be a single individual, married couple or organization with a desire to help people. They are committed to providing a location and environment that is dedicated to empowering others to achieve financial contentment in their lives.

A Coordinator’s purpose is to fulfill the FPU mission statement: TO EMPOWER AND GIVE HOPE TO EVERYONE FROM THE FINANCIALLY SECURE TO THE FINANCIALLY DISTRESSED. FPU Coordinators are responsible for the organization, promotion, coordination and administration of Financial Peace University at the local community level.

This is an arrangement between the accepting Coordinator and The Lampo Group, Inc. (TLGI) for the public presentation and use of the video series titled Financial Peace University. The Financial Peace University series includes video lessons (Preview video and video lessons numbered 1 through 13), all course materials, and Coordinator Guide. The Coordinator agrees to exhibit for enrolled FPU MEMBERS ONLY, the Financial Peace University video series and provide support and encouragement to each family enrolled in the program.

Coordinator Qualifications: Coordinators must meet the following minimum requirements before any right to possess, view or present Financial Peace University will be granted.

1. If the Coordinator is employed or actively engaged for profit, directly or indirectly through family relationship or professional association, in any financial services industry, including but not limited to financial planning, insurance or securities, they cannot in any way approach class members with their services or products.

2. If the Coordinator is directly or indirectly associated with any “multi-level” or “network” marketing organizations, they cannot recruit or sell to Financial Peace University members.

3. The Coordinator cannot, in any way, nor for any reason, actively solicit business of any kind from Financial Peace University enrolled members.

4. A waiver can be granted under special circumstances if deemed appropriate.

The Coordinator agrees to continually comply with the above stated requirements in order to qualify as a licensed Coordinator. The Coordinator also agrees not to engage in any activity that may be perceived as a conflict of interest without first clearly identifying potential conflicts to The Lampo Group, Inc. and all FPU members who may be affected.

The Coordinator understands that The Lampo Group, Inc. holds itself and its team out to the community as God fearing people. Any misconduct that does not show the love of God or a life in accordance with Scripture, will be cause for immediate revocation of this license.

Copyright Notice: Financial Peace University (FPU) is protected in whole and in part by U.S. copyright laws and international treaty provisions. All title and copyrights in and to Financial Peace University, including but not limited to any images, photographs, animations, video, audio, music, text, electronic applications and accompanying printed materials incorporated into Financial Peace University and any copies of Financial Peace University are owned by The Lampo Group, Inc. No one, including the Coordinator, is authorized to copy any Financial Peace University audio, video, lesson or Coordinator materials without the prior consent of the FPU Director, a representative of The Lampo Group, Inc.

Licensing AgreementPlease read carefully, sign and return along with your Coordinator Application. Your application cannot be considered without this agreement. moc.yesmarevad

ECAEP.22.888 :enohpfax: 615.550.6290

The Lampo Group, Inc. Obligations: After the Coordinator sends into our office at least five (5) new paid enrolling family registrations, then TLGI will provide to the Coordinator, prior to their first class session, the following things:

1. Coordinator Guide.2. All tools and materials necessary in order to conduct a successful FPU program in your community.3. LIFETIME MEMBERSHIP into the FPU program.4. Ongoing toll-free telephone support to the Coordinator while they are conducting their classes.5. Replacing free of charge any materials that are damaged in shipping to the Coordinator, or which break

due to defect or wear under reasonable and normal usage.6. Ship all enrolled members’ FPU materials ordered by the Coordinator in a timely manner. Other than

damaged items, items returned are shipped at the Coordinator’s expense.7. TLGI will also periodically call an enrolled FPU member to survey the Coordinator’s operation of the FPU

program to ensure that the classes are going well for everyone.

Coordinator Restrictions and Limitations:1. The Coordinator may not pose as a teacher or instructor of the FPU program.2. The Coordinator must clearly identify himself or herself as the Host and Facilitator of the program.3. They must have at least five new paid enrolling family units in their class before the first class session

begins. This is to ensure the success of the Discussion and Accountability Group sessions. 4. The Coordinator may not enter into any arrangements or make any representation or pledge which may infer

liability or cause financial responsibility on behalf of TLGI or FPU, its suppliers, employees or assignees.5. The coordinator understands that as a licensee of Financial Peace University by The Lampo Group, Inc.,

he/she may be privy to confidential financial and personal details of FPU members in their class. The Coordinator pledges 100% confidentiality on such matters.

6. Coordinator will not divulge any FPU member information to outside parties other than TLGI phone advisors or counselors, without the particular FPU member’s consent by written authorization.

7. The Coordinator will follow the FPU program process as described in the Financial Peace University Coordinator Guide. The Coordinator may not change or modify the way the FPU program is presented or conducted without the prior express written consent of TLGI.

8. The Coordinator may not edit, transfer to another format, add to, or alter in any way the Financial Peace University videos or any of the FPU materials.

9. The Coordinator cannot recommend and may not accept financial forms other than those approved for use in Financial Peace University.

Ordering FPU Membership Materials: The Coordinator agrees to send into TLGI the entire enrollment fee for each family unit or individual enrolling in the program. Each enrollment is normally $199 per family unit, unless otherwise announced. Spouse and teenage children who are living with their parents may share materials and attend free.

1. A family unit is defined as a single adult individual, married couple, or engaged couple who has set a date for getting married within one year of their enrollment.

2. A married couple is defined as a male and female joined in accordance with the state laws of Tennessee.

ALL COORDINATORS ARE VOLUNTEERS:1. There is no licensing fee involved in becoming an FPU Coordinator.2. The Coordinator fully understands that he or she will not receive any financial compensation from The

Lampo Group, Inc. for each family unit enrolling in FPU.3. The Coordinator is a volunteer who is involved with the program to help empower their community and help

serve local families.

Duration of License: The license provided by this arrangement is perpetual unless the Coordinator does not maintain a Financial Peace University class for six consecutive months or violates any of the provisions of this license arrangement, including but not limited to failure to return materials or funds due TLGI promptly. Failure to comply with any of the terms and conditions of this license arrangement will automatically cause immediate revocation of all rights and privileges granted herein.

Termination: Without prejudice to any other rights, The Lampo Group, Inc. may revoke this license arrangement, canceling all rights and privileges granted herein. In addition, The Lampo Group, Inc. may at its discretion commence civil action seeking fines, attorneys’ fees, injunctive relief, and in appropriate circumstances, seek criminal prosecution with all reasonable legal and attorneys’ fees to be paid by the Coordinator. The Coordinator may terminate this arrangement with 90 days written notice.

Non-Compete Clause: Upon termination of this licensing arrangement by either party, the Coordinator agrees not to remove or reproduce materials or information from The Lampo Group, Inc. or Financial Peace University, as this information is copyrighted material. The Coordinator further agrees not to use the proprietary processed or concepts developed by The Lampo Group, Inc. or Financial Peace University to compete in any way for two years after the termination of this license arrangement.

General Information: This Coordinator License Arrangement shall be construed, interpreted and governed by the laws of the state of Tennessee. This license arrangement and any waiver(s) attached constitutes the full and complete arrangement binding the parties and will be enforced to the full extent permitted under applicable law. TLGI retains all rights not specifically granted herein. If any provision is declared invalid or unenforceable, all remaining provisions will nevertheless remain in effect.

Coordinator Signature: _______________________________________________________________________

(Please Print Name) ___________________________________________ Date Signed: ___________________

Physical Address: ___________________________________________________________________________

Mailing Address: ___________________________________________________________________________

__________________________________________________________________________________________

Home Phone Number: ________________________________________________________________________

Approved By: _______________________________________ Date Received in Office: __________________The Lampo Group, Inc.

PLEASE MAIL THIS TO: THE LAMPO GROUP, INC. c/o Adam Duncan 1749 Mallory Lane, Suite 100 Brentwood, TN 37027

FINANCIAL PEACE UNIVERSITY

888.22.PEACE • daveramsey.com