Billy Epperhart Annual Magazine: 2018 Edition

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Letter from Billy and Becky Dear Friends and Partners, 2018 was an incredible year. One thing I have been witnessing again and again is that it is God who gives us the power to get wealth. At my real estate conference this year, I had several testimonies from clients who had never owned real estate in their life. One man built a business of over 30 properties in just a year! What a blessing that was for him. :KHQ ZH VXUUHQGHU RXU ƓQDQFHV WR *RG DQG WUXVW +LP WR OHDG XV LQWR SURVSHULW\ ZH ZLOO JURZ +RZ GR \RX VXUUHQGHU \RXU ƓQDQFHV WR *RG" )LUVW \RX QHHG WR EH IDLWKIXO LQ \RXU tithing. 10% of what you make needs to be sowing back into the Kingdom of God. 2 Corinthians 9:6 says, “The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully.”

Of course, there are other ways to sow into the Kingdom as well. I want you to think of someone you know who might be struggling right now. Is there any way you can help them ƓQDQFLDOO\" 0D\EH \RX FDQ PDNH D GRQDWLRQ WR WKHP EX\ WKHP JURFHULHV RU VLPSO\ ZDWFK their kids. Jesus also declares in the Word: “Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me Ő 0DWWKHZ 7DNH WKRVH VPDOO VWHSV WRGD\ DQG , DP FRQƓGHQW WKDW ZKDW \RX JLYH *RG ZLOO EOHVV In Christ,

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Table of Contents Letter from Billy and Becky Epperhart ................................................................................. 4 +LJKOLJKWV WealthBuilders ....................................................................................................................... 8 10 Attributes of a Successful Entrepreneur ...................................................................... 10 .H\ 5HDO (VWDWH 3ULQFLSOHV <RX 0D\ +DYH )RUJRWWHQ Partner with WealthBuilders ............................................................................................... 14 3DUWQHU 6SRWOLJKW Tricord Global ...................................................................................................................... 16 Three Compelling Ways to Give Away Your Wealth ........................................................ 18 Social Impact Report ........................................................................................................... 20 Invest with Tricord Global .................................................................................................. 22 Investor Spotlight ............................................................................................................... 23 5R\DO 'RYH +RXVLQJ Teachings We Offer ............................................................................................................. 26 Closing Letter ....................................................................................................................... 28 0HHW WKH 7HDP Upcoming Events ................................................................................................................ 30

Publisher: WealthBuilders

Print Media Manager: Jordan Johnson Graphic Designer: Phoebe Rankin

Staff: Elizabeth Olson Marina Qualls Jordan Johnson Phoebe Rankin 2017 Annual Report 2018 Annual Magazine

2018 Highlights from: Billy Epperhart

2018 was a year where a lot of growth happened for me and my companies. We had the largest attendence of any event this year with my annual WealthBuilders Conference.

0\ 5HDO (VWDWH :RUNVKRS LQ 2FWREHU VROG out faster than any of our conferences, and the time we spent coaching these clients was unforgettable. Conferences help us connect with all of you, and are some of my favorite parts each year.

We are expanding our operations with Tricord Global into a new country: the Dominican Republic! If you don’t know, 7ULFRUG LV RXU PLFUR ORDQ QRQ SURƓW WKDW KHOSV those in developing nations access loan capital. We truly are expanding internationally, and I have you to thank for all of your support!

We are also working on individual projects around the globe, like in Sri Lanka. In 2019, ZH ODXQFKHG D *R)XQG0H IRU RQH RI RXU ORDQ clients in Uganda. We raised all of the money they needed to buy extra equipment, so thank you to everyone who donated and was able to be apart of an amazing venture.

Finally, I also have the opportunity to serve at Charis Bible College and Andrew Wommack Ministries. This year, I stepped into a new role, and I am excited for all the growth that is about to take place. God is working in Charis and Andrew, and I am glad that I can be along for the ride.

0\ PLVVLRQ LV ŏPDNLQJ VHQVH RI PDNLQJ money for making a difference”, and this year has been a huge year of teaching others and building the Kingdom of God. Thank you for being along for the ride. 2019, here we come!

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2018 Annual Magazine 2017 Annual Report

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Making Sense of Making Money for Making a Difference

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Who We Are: :HDOWK%XLOGHUV LV WKH HGXFDWLRQ DUP RI RXU QRQ SURƓWV :H HGXFDWH &KULVWLDQ (QWUHSUHQHXUV across the world through seminars and conferences, as well as education materials. We produce audio and video teachings as well as books, manuals and workbooks to coach SHRSOH WKURXJK WKH DUHDV RI EXVLQHVV ƓQDQFH UHDO HVWDWH DQG PDNLQJ D NLQJGRP LPSDFW You are the heart of what we do.

Our Mission: To inspire and equip others to make sense of making money for making a difference for the purpose of transforming individuals, cities and nations.

Our Vision: To empower one million entrepreneurs globally by providing business training and the start up capital needed to build Christ centered enterprises throughout the world.

Our Plan: By providing training and capital to those in poverty, we empower them to break the cycle of poverty that they have been in for generations. This interruption of the poverty cycle enables their families, cities and nations to be transformed.

To learn more, go to www.billyepperhart.com/wealthbuilders

2018 Annual Magazine 2017 Annual Report

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10 Attributes of a Successful Entrepreneur by: Billy Epperhart

I’ve made a lot of mistakes in my years working as an entrepreneur, but those have led me to understand what sort of person it takes to be a successful entrepreneur.

The following attributes are not all things I innately was. I had to acquire some, while RWKHUV FDPH QDWXUDOO\ WR PH b Chances are, you have several of these DWWULEXWHV LQ \RX WRR +RSHIXOO\ WKLV OLVW ZLOO also inspire you to develop the whole set!

Remember that an entrepreneur is a person who perceives an opportunity and creates an organization to pursue it.

3. Doers Entrepreneurs move quickly to act on decisions. One of the secrets to success is to act even if it’s wrong. Now, obviously at the time you act, you don’t know it’s wrong, but that’s how you learn.

Just keep trying. Don’t jump with both eyes closed, but don’t fail to jump. Take action.

Some of the best ideas in the world are still in somebody’s notebook.

1. Dream

4. Determination

Successful entrepreneurs have a vision of the future and the ability to implement that vision. They are often the idea generators, but it’s important for every entrepreneur to set aside time to dream in general.

Entrepreneurs have a total commitment to the business. They have a don’t-quit attitude. They stand strong and work hard HYHQ ZKHQ WKLQJV JHW GLIƓFXOW %H WKH NLQG RI entrepreneur that looks at every option and keeps pushing ahead.

2. Decisiveness Entrepreneurs have the ability to synthesize data quickly and make a decision. At a certain point, the dream process has to end. /HW \RXUb\HV EH \HV DQG \RXU QR EH QR It’s okay to wait, and hover over a decision XQWLO \RXōYH ƓJXUHG RXW D GLUHFWLRQ 2QFH

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you make a decision, though, you can’t look back.

Don’t jump with both eyes closed, but don’t fail to jump.

5. Dedication Successful entrepreneurs have a blind ambition to succeed. They have a dedication that exists 24/7. Because entrepreneurs deal with ideas and possibilities so often, they have to be dedicated to the ideas they are pursuing.

Go and make things happen! Success will only come if you are willing to believe, if somewhat blindly, and to keep pushing forward.

6. Devotion Successful entrepreneurs love what they do.

They have passion. So work in an area that pushes your buttons and excites you. Even EHWWHU ƓQG DQ DUHD RU ƓHOG WKDW FRQWLQXDOO\ H[FLWHV \RX :KHQ \RX ƓQG SDVVLRQ WKHUHōV love and joy in what you’re doing. , ORYH ZKHQ ,ōP JLYHQbWKH RSSRUWXQLW\ WR teach or consult. That’s one of my highest levels of passion. After a time of trying things out, you’ll be able to identify what you can truly be devoted to.

7. Details Entrepreneurs know that in order to succeed they need to be involved in every detail of the business. Do not listen to people who tell you to take a step back in the beginning.

Successful entrepreneurs have a blind ambition to succeed.

9. Dollars Entrepreneurs know that while money is not the only motivation, they will be rewarded for their efforts if they are successful. For most entrepreneurs in the world, I know it’s often a high motivation.

Interestingly, I notice that new entrepreneurs are dedicated to social issues. The new social entrepreneurs in the world aren’t just concerned about what they can have, but what others can have as well.

10. Distribute Well-rounded, successful entrepreneurs know that they cannot do it alone. They are willing to share their success with those who help a lot of other people succeed as well.

They’re invested in pouring into others and developing a successful, cultural climate!

Get dirty in every area. You won’t like every area, but you’ve got to learn and get a pulse on your organization.

8. Destiny Entrepreneurs want to be in charge of their own destiny. They have a strong desire to be independent. You’ve got to have that sense of destiny and what you want in your life.

This is what will keep you pushing forward.

2018 Annual Magazine 2017 Annual Report 11

3 Key Real Estate Principles You May Have Forgotten by: Billy Epperhart

Whether you’ve been a real estate investor for a lifetime or just a few months, it can be all too easy to put your head down, bulldoze ahead, and forget some key principles. There is nothing easy about real estate investing.

It’s risky to put money into this business. And yet, the wealth-building potential is amazing.

I encourage you to keep pursuing real HVWDWH LQYHVWLQJ +RZHYHU SOHDVH GR VR with caution. Please build your business on several foundational real estate principles.

I’ve listed some of the key principles below.

1.) Look at the accumulation of wealth as a virtue ,I \RX DUH IXQFWLRQLQJ ZLWK 0RQH\ 0DVWHU\ principles at the forefront, an accumulation process will begin to occur in your life.

Simply said, if you are thinking properly, managing correctly, and stewarding honestly, you will naturally begin to accumulate wealth. It’s important to keep in mind that this is not the accumulation of wealth for wealth’s sake, but to partner with God for transformation in cities and nations.

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Remember that it is God who gives us the SRZHU WR JDWKHU ZHDOWK +H LV RXU 0DVWHU :H DUH KHUH WR VHUYH +LP DQG LQ WKH SURFHVV RI serving God, we can and should become the master of our money.

We do not need to be afraid of building wealth when God is the one empowering us to do so.

It is God who gives us the power to gather wealth.

What does this have to do with real HVWDWH LQYHVWLQJ" 3XUVXH WKH EXLOGLQJ RI \RXU LQYHVWPHQW EXVLQHVV 0DNH ULVN\ decisions with wisdom. Build wealth. But always keep in mind why you are doing DQ\ RI WKHVH WKLQJV DQ\ZD\ )RU \RXUVHOI" I hope not.

2.) Never underestimate the power of investing in yourself

with your beliefs – it’s time to remember this principles and put it into practice.

, DP DVNHG DOO WKH WLPH ŏ+RZ GR , JHW VWDUWHG LQ WKH UHDO HVWDWH EXVLQHVV"Ő 7KDW DQVZHU is easy. You begin by investing in yourself.

Spend a portion of your start-up money on obtaining knowledge you do not have.

Consumer debt is an impasse in your ability to increase your wealth and succeed as a UHDO HVWDWH LQYHVWRU +RQHVWO\ \RXōUH RQO\ building someone else’s wealth when you’re paying interest on consumer debt.

Attend seminars. Or purchase audio or video programs on subjects related to EXLOGLQJ D UHDO HVWDWH EXVLQHVV $OVR ƓQG the right people with which to associate.

Being around people who are further down the road than you are can broaden your knowledge and understanding of the business.

Think on this principle and take action often.

Fight to avoid any and all debt. This will keep you in a position to build wealth and succeed.

Remember this key principles: part of obtaining knowledge is becoming educated enough just so you know the right questions to ask. Think about it. If you attended a weekend seminar about real estate next ZHHN ZRXOG \RX NQRZ ZKDW WR DVN"

You know the basics of the real estate business. You may even know more than you think. But if you aren’t remembering foundational principles like the ones mentioned above, it’s time to hit pause and go back to the basics.

As you build your business, be wise. After all, building wealth is a virtue – not to be taken lightly!

Begin your quest by obtaining knowledge and learn the method, processes, and systems of the business. Following this principle will pay for itself again and again.

You can never invest in yourself too much, I believe.

You begin by investing in yourself.

3.) Learn to hate consumer debt I hope you already hate consumer debt. But if you don’t – or if your actions don’t line up 2018 Annual Magazine 2017 Annual Report 13

Partner with Us Our mission is to train 100,000 entrepreneurs in the United States 1,000,000 entrepreneurs worldwide.

This doesn’t have to happen without you.

Your Partnership Helps: - Broaden the mission to coach, teach, and train entrepreneurs in the areas of wealthbuilding.

- Promote global community through WealthBuilders & Tricord Global projects.

- Provide comprehensive educational resources.

- Further our reach in international impact through Tricord Global efforts.

- Empower our team to carry out the mission of making sense of making money for making a difference.

As a Partner, you Receive: - A quarterly gift from Billy and Becky.

- Quarterly prayer calls and support.

- Priority seating at our workshops and conferences.

- Private meet and greet with Billy and Becky at our annual WealthBuilders conference.

To Partner:

Fill out the envelope that was inserted into this magazine and send it back to us!

You can also partner online at www.billyepperhart.com/donate

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Partner Spotlight Larry and Laverne Dowden When we understood the impact the ministry was having, we wanted to share in that. Partnering offered us that opportunity and to help make an impact in people’s lives and for the Kingdom. God is good!

Doing business God’s way opens up endless possibilities, rewards and a life that reflects Kingdom principles in action.

Connie and David Moore I had Billy as a teacher in Business School at Charis Bible College and started going to the WealthBuilders Conferences. We have seen the love Billy & Becky have for people and how they are changing the world, so we wanted to be a part of this.

Jay and Carol Tracy We have sat under the teaching of many great ministries for decades, but BIlly is the first teacher that actually gave us the WRROV DQG WDXJKW XV DERXW KRZ WR EXLOG ZHDOWK +LV WHDFKLQJ about building wealth through real estate has empowered us to move forward in that realm. We want to sow into a ministry that we not only learn from, but that is involved in empowering and teaching people around the world to prosper. What Bill and Becky are doing through Tricord Global is changing the world and we want to be part of that.

Tanya Rodriguez Partnering with WealthBuilders has been key in giving me techniques and strategies to go to new levels in my life.

I attended the 2018 WealthBuilders conference and was greatly impacted by the tremendous Kingdom Leadership that spoke. Not only was I empowered and inspired but the team released valuable and practical information to coach us into success.

Annual Report 20182017 Annual Magazine

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Over half of the global population dwells in a poverty-stricken environment where human suffering abounds. The need is great, but those with a heart to make a difference can change the world.

The mission of Tricord Global is to provide microcredit (small loans) to the poor in developing nations, empowering them to move out of poverty and into productivity and prosperity. Our operational model shall follow the proven best-business practices of the PLFUR ƓQDQFH LQGXVWU\ DV ZHOO DV HQGHDYRULQJ WR ŏSLJJ\ EDFNŐ RQ WKH H[LVWLQJ LQIUDVWUXFWXUH RI PLVVLRQDO PLQGHG QRQ SURƓWV 7KLV SDUWQHUVKLS DSSURDFK DOORZV XV WR PRUH HIIHFWLYHO\ impact families and entire communities, while at the same time help strengthen those mission organizations. The “business-as-mission” philosophy of Tricord is to function LQ D PDQQHU WKDW QRW RQO\ SUHVHUYHV LQYHVWRU DQG GRQRU FDSLWDO DQG DFKLHYHV ƓQDQFLDO sustainability, but does so without compromising our commitment to physical, spiritual, and social transformation.

7KH $GYDQWDJH RI 0LFURƓQDQFH 2YHU 'RQDWLRQV +DYH \RX HYHU KHDUG WKH SDUDEOH WKDW JRHV ŏLI \RX JLYH D PDQ D ƓVK \RX IHHG KLP IRU D GD\ ,I \RX WHDFK D PDQ WR ƓVK \RX IHHG KLP IRU WKH UHVW RI KLV OLIHŐ" Well, that’s what we believe here at Tricord, and that’s why we provide loans instead of charity. When you give a dollar, \RX KHOS RQH SHUVRQ RQH WLPH +RZHYHU ZKHQ \RX OHQG D GROODU DW D VXVWDLQDEOH UDWH RI interest, you can impact a whole community, or even a whole nation!

Similarly, when you give charitably, you create dependence on your benevolence. When you provide a loan, you encourage indepence so they can help themselves while helping others.

7KURXJK 7ULFRUG *OREDO PHQ DQG ZRPHQ DUH SURYLGHG VPDOO PLFURƓQDQFH ORDQV 7KH\ DUH given the proper business training and encouragement to make their businesses sucessful.

7KLV LV WKH VDPH WHDFKLQJV ZH SURYLGH DW :HDOWK%XLOGHUV EXW LV PDGH VSHFLƓF WR WKHLU GHYHOoping needs. With a successful business, individual lives, families, communities and nations will be changed.

2017 Annual Report 17 2018 Annual Magazine

3 Compelling Reasons to Give Away Your Wealth by: Billy Epperhart

I want you to build large amounts of wealth and experience true success. I do! But I don’t want you to build wealth just for the sake of EHLQJ ZHDOWK\ , ZDQW \RX WR DFKLHYH ƓQDQFLDO security because money opens doors and enables you to give away your wealth.

If you come from a Christian perspective like , GR WKHQ \RX NQRZ WKDW -HVXV LQVWUXFWHG +LV disciples to go into the world and preach the Gospel of the Kingdom all over the PDS ,I ZH DUH +LV GLVFLSOHV ZH QHHG WR DVN ourselves an important question: Are we really preaching the Gospel of the Kingdom ZLWK RXU OLYHV" $UH ZH UHDOO\ LQYHVWLQJ LQ city and nation transformation - not just HPRWLRQDOO\ RU PHQWDOO\ EXW ƓQDQFLDOO\" The reality is that Jesus did not come to the earth so that you and I could be a big GHDO +H FDPH VR WKDW \RX DQG , FRXOG KDYH an impact on the world, by causing the kingdoms of the world to become more like the Kingdom of God. Wealth allows us to join in this sacred mission. What an honor, ULJKW" 18

In reality, there are about one hundred reasons to give away your wealth. And once you’ve reached the Third X, you’ll have an DEXQGDQFH WR JLYH 6R ZK\ VKRXOG \RX GR LW" Why should you not just save your money for a rainy day - or as an inheritance for your kids DQG JUDQGNLGV" <RX FDQ $QG \RX VKRXOG But you should also give away in excess. +HUHōV ZK\

1. You Need to Master Your Money Simply put, when we steward what God has given us, we master our money. I’m sure you’ve heard of lottery winners losing all of their money in a short span of time. This is because they were not careful with what they’d been given, so they lost it. They did not master their money - the money was master over the lottery winner!

An amazing thing happens when you learn to master your money - more and more will be given to you. You will be entrusted to steward more of God’s good gifts because you acted with wisdom, patience, and selfcontrol. Then, you get the opportunity to

bless more people because you will have more to give away.

I strongly urge you to master your money.

Don’t let it become master over you. Giving away your excess is an excellent way to show that you have control over where your ƓQDQFHV XOWLPDWHO\ JR

2. You Need to be a Part of City & Nation Transformation Oral Roberts said, “Whoever controls the ƓQDQFHV RI D FLW\ RU QDWLRQ ZLOO FRQWURO WKH spiritual climate as well.” I think this quote is incredible. It means that you and I have the opportunity to make a massive impact not only physically and environmentally, but spiritually as well. If we provide for the basic needs of a community, then the hearts of the people will be ready for deeper spiritual truth. This is how the gospel goes forth!

It wasn’t until I started visiting third world countries and investing money there that I realized how we as the church in America are holing up. We’re not living what we preach.

Instead, we’re hoping that someone else will do the work. Let me tell you - no one else is going to do the job God has for you.

You need to be a huge part of city and nation transformation around the world. Your money will make a difference.

like businessmen and women to make a huge difference in the world. In fact, just the opposite! God needs smart businessmen to PDNH ZLVH ƓQDQFLDO GHFLVLRQV WR EHVW LPSDFW the world for the Kingdom.

Whoever controls the ƓQDQFHV RI D FLW\ RU QDWLRQ will control the spiritual climate as well.

You can make an annual return on investing in social causes. It’s called social impact investing. You simply reallocate some of your assets to invest in social causes. This is what , GR WKURXJK P\ QRQ SURƓW 7ULFRUG *OREDO Now here’s the thing: you don’t do it for the money. You do it because it offers aid and empowerment to the people you’re helping.

It empowers them instead of just enabling them. What a gift to give a community of people who need a second chance!

Ultimately, building wealth should never be about becoming a Scrooge and hoarding your money. It should be about impacting the Kingdom and changing the world for the EHWWHU 'R \RX DJUHH" , KRSH VR /HWōV EH D group of people who gives away our wealth for the Kingdom!

3. You Need to Continue Making Smart Business Decisions If you are in a position to give away your wealth, then I know you’ve made some great business decisions in your lifetime.

1RZ WKDW \RX DUH ƓQDQFLDOO\ VHFXUH DQG DEOH to give money away, you can continue to make wise decisions that will impact you, your family, and the whole world in positive ways. I don’t think you need to stop thinking 20182017 Annual Magazine Annual Report 19

Social Impact Report The money that is invested into Tricord Global is used to provide loan capital to those in developing nations. In this annual report, I want to highlight some amazing social impact stories.

Our loan clients truly are changing their communities, and you are making an impact in all the nations.

We have clients who want to boost their business, some who need to pay for their children’s school fees, and some that want to open or expand schools and churches. Every story is different, and that is part of what I love the most. I hope you enjoy reading these incredible social impact stories!

Kawmpe Decoriuos Primary School /RDQ $PRXQW 86' 38,700) Purpose of the loan: School construction No. of Employees: 37 Impact: The School has given jobs to 37 formal staffs and more than 20 casual laborers. In addition to educating more than 600 pupils of the community.

Dr. Kiyimba Joseph (ABA Foundation) Loan Amount: 27,000,000 (USD 69,660) 3XUSRVH 0RQH\ WR FOHDU WD[HV IRU KLV container having donations for orphaned children of ABA Foundation No. of Employees: Over 10 ,PSDFW 0DQ\ OLYHV KDYH EHHQ GUDZQ WR Christ through preaching and catering for the vulnerable children.

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Wasswa Birgwa /RDQ $PRXQW 86'

3XUSRVH 7R ƓQLVK UHQRYDWLQJ KLV EHDFK 1R RI (PSOR\HHV Impact: On top of giving employment to the people Nature Green Beach, acts as refreshment center, and stress reliever to the people who visit it.

Baguma Robert Loan Amount: 4,000,000 (1,111 USD) 3XUSRVH $VVHW ƓQDQFLQJ Impact: The client has been living in a one room house with six family members. This loan helped him complete building more rooms in his house.

Glory of Christ Church Loan Amount: 17,000,000 (USD 4,718) Purpose: To purchase church land.

No. of Employees: 10 teachers Impact: The church has provided educational services to the community and surrounding areas. There are around 200 pupils.

2017 Annual Report 21 2018 Annual Magazine

Invest with Tricord Your investment helps: -Pull God’s people out of poverty &UHDWH ƓQDQFLDO LQGHSHQGHQFH -Provide comprehensive educational resources -Build the national economy of nations around the world -Empower the next generation through schools, churches, and other resources.

Opening February 15th, 2019 (one month only) June 15th, 2019 (one month only) If you are interested in investing with Tricord, email: contact@tricordglobal.com or call (720) 989-0222

Economically Inactive -Under the Poverty Line -No forseeable way out -Usually unemployed, making little money

Economically Active -Working their way out of poverty -Creating income streams for themselves -Able to provide for their family

Economically Empowered -Employing others in their community -Owning businesses -Economically saavy -Improving local economy

Tricord works with two seperate institutions: The Glory SAACO, a credit union, and Glotrans, a bank. The credit union provides smaller loans to get people out of poverty and into entrepreneurship. We realized that after our clients had successfully gone through the microƓQDQFH SURJUDP DQG ZHUH HFRQRPLFDOO\ DFWLYH they craved more. They wanted to be economically empowered, so we partnered with a bank to give larger loans and greater opportunities.

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Investor Spotlight Linda Lida , ƓUVW HQFRXQWHUHG %LOO\ (SSHUKDUW DW WKH %XVLQHVV 6XPPLW DW &KDULV %LEOH &ROOHJH LQ When he introduced the opportunity with Tricord Global, I immediately recognized it as exactly the type of investment I had been looking for. The concept of a “hand up not a hand out” has been a lifetime motto for me. Tricord was doing on an international scale what I had been attempting to accomplish in just a few individual lives. Wow, was I thinking too small.

Not only was Tricord changing lives, but it’s an opportunity that gives back so the cycle can continue, unlike organizations that must be continually fed. And unexpectedly, I have reaped so many personal rewards just being in association with this amazing organization with its amazing people. Billy and Becky walk their talk, and the Lord is blessing the world through them, and I am blessed to be a part of what they are doing. !

-DQH %XWWHUƓHOG I heard about Billy through Charis Bible College. We attended a meeting for Tricord Global. I decided to invest with Tricord because Tricord has the highest interest going that is safe and is also a ministry. We wanted to help people lift themselves out of poverty instead of just a handout. This helps people to learn and grow a business.

2017 Annual Report 23 2018 Annual Magazine

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Royal Dove Housing - Uganda, Africa At Tricord, we always say that we want to give a hand up, not a hand out. We believe in the power of micro-finance loans to change lives because it teaches clients how to build a livelihood of their own.

One of our best clients is Dorothy, and she received a loan for herself. After she had learned the ins and outs of paying the loan back, saving money, and running a business, she decided she was ready to start one of her own.

Uganda is a unique place because historically, there has been an upper class of wealthy citizens and a lower class of the extremely poor. Because of microfinance loans, and other circumstances, it has developed quite a strong middle class. This is a huge development for the country, but it can make things difficult.

Dorothy noticed that there is housing for both the upper class and the lower class, but there is a shortage of housing for the middle class.

There really are just the two extremes existing in the country. +HU PLVVLRQ ZLWK 5R\DO 'RYH +RXVLQJ LV WR create a community of housing for those in the rising middle class of Uganda. This will ensure better quality of life for all those around.

Tricord has helped her and her business partner with a loan so that they can start building this community.

Ugandans, and those in developing nations all across the world, have such a hunger for knowledge. Dorothy is one of the most successful real estate students that I have had, and she lives in Africa! Who would have WKRXJKW" Stories like Dorothy’s always remind me that LQ WKH HQG ZH DUH DOO UHDOO\ WKH VDPH +HU work ethic and thirst for knowledge is what catapulted her to success with her business.

She doesn’t just want to build a business, though. She truly wants to help her community. It is people like Dorothy who are going to change her country. We can see the shift happening already.

That is the mission and the story of Tricord Global. A loan from us will help one person build their business, pay for their kids’ school, RU KHOS WKHP EX\ QHHGHG PDWHULDOV +RZHYHU the ripple effect of that one loan is enormous.

Families and generations will be impacted by a single loan, and that is how we bring the Kingdom of God to Earth. We elevate the PXQGDQH WR WKH +RO\ Both David and I are so proud of Dorothy DQG 5R\DO 'RYH +RXVLQJ :H DUH VR KRQRUHG that we get to be a part of their story through Tricord, and we know that our investors feel the same way.

One of the things that truly struck David Briggs (co-founder of Tricord Global) and I was Dorothy’s willingness to learn. She actually worked as an accountant for us before she went off on this business venture.

2017 Annual Report 2018 Annual Magazine

Teachings We Offer

Money Mastery

%LOO\ōV QHZ 0RQH\ 0DVWHU\ ERRN combines all of his teaching on ZHDOWKEXLOGLQJ +H ZLOO WHDFK \RX KRZ to get out of debt, how to build passive income, the laws of wealth, and Billy’s WUDGHPDUNHG 7ULSOH ; )DFWRU +H ZLOO DOVR WHDFK \RX KRZ WR UHDFK ƓQDQFLDO freedom through real estate, stocks & business.

In this series, we offer...

• Book • Workbook • DVD Teaching • Audio Teaching • Online Course

Business Mastery

As a serial entrepreneur with several successful business ventures in his portfolio, Billy Epperhart has the know-how when it comes to business. In this series, Billy teaches his trademarked Triple “X” Factor, the Laws of Wealth, and how to create canvases that will set your business up for success.

In this series, we offer…

• 0DQXDO • Video Teaching • Audio Teaching • Online Course

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Organizational Mastery

With effective tips, tricks and guidelines as well as helpful tools and resources, Billy Epperhart shows you how to transform \RXUVHOI LQWR DQ HIIHFWLYH /HDGHU 0DQDJHU +\EULG 7KLV ZLOO UHYROXWLRQL]H \RXU EXVLQHVV as you learn how to create and implement systems, manage work and lead your people.

In this series, we offer...

• Workbook • DVD Teaching • Audio Teaching • Online Course

Change Mastery

When I was in high school, it was an “in” thing to sneak up on someone and punch them in the arm with your PLGGOH ƓQJHU EHQW RYHU LQWR D SRLQWHG SRVLWLRQ ,W ZRXOG cause the muscle in the arm to form a bump and twitch uncontrollably. We called this “frogging”. Life has a way of “frogging” us. I wrote this book to help you navigate change, and to learn how to handle when life “frogs” us.

In this series, we offer...

• Book • 0DQXDO • DVD Teaching • Audio Teaching • Online Course

Real Estate Mastery

Through years of study and real world experience, Billy Epperhart has developed methods that can teach you how to become independently wealthy through real estate investing. This package provides you with in-depth, practical steps not available on any teaching in the market WRGD\ <RX ZLOO ƓQG VHFUHWV PHWKRGV DQG the general know-how to give you an inside track to becoming successful in real estate investing.

In this series, we offer...

• 0DQXDO • DVD Teaching • Audio Teaching • Online Course

2017 Annual Report 27 2018 Annual Magazine

Closing Letter I hope you have enjoyed this look back at what 2018 has brought us here at WealthBuilders and Tricrod Global. God has blessed us immensely, and we wouldn’t be anywhere without you and your support.

I know that 2019 will be bigger and better than ever! We are hoping to double our attendance at our annual WealthBuilders conference. This event will empower Christian entrepreneurs in the areas of business, real estate, and social impact! We have some high powered speakers joining us, and I hope you will, too! For more information on any of our events, and to register, visit www.billyepperhart.com/events. :KHQ %HFN\ DQG , SUD\ HYHU\ PRUQLQJ ZH SUD\ IRU VHYHQ VSHFLƓF WKLQJV 2QH RI WKRVH WKLQJV is supernatural favor. As we are gearing up for a new year, we have been praying supernatural favor over WealthBuilders and Tricord Global. We are also praying favor over you. $V DOZD\V LI \RX KDYH DQ\ SUD\HU UHTXHVWV SOHDVH FDOO RXU RIƓFH DW

Again, thank you for your support. Becky and I are praying for you all everyday.

Blessings, Billy and Becky Epperhart

P.S. If you do feel led to partner, give or invest, you can visit www.billyepperhart.com/donate

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Meet the Team David Briggs | Co-founder of Tricord Global

Marina Qualls | Executive Assistant

(720) 436-0640| marina@billyepperhart.com

Jordan Johnson | Marketing Manager (720) 989-0224 | jordan@billyepperhart.com

Lilly Unger | Director of Investor Relations (720) 989-0222 | lilly@billyepperhart.com

Phoebe Rankin | Lead Graphic Designer (720) 989-0218 | phoebe@billyepperhart.com

Elizabeth Olson | Administrative Assistant (720) 416-4600 | elizabeth@billyepperhart.com

2018 Annual Magazine 2017 Annual Report 29

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Upcoming Events

2018 Annual Magazine 2017 Annual Report 31

6 4XHEHF 6W 6XLWH % Greenwood Village, CO 80111 www.billyepperhart.com