Home to spectacular white sand beaches and 80-degree days, Aruba is a little slice of tropical heaven. This 70 square mile island is surprisingly dry

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2 Home to spectacular white sand beaches and 80-degree days, Aruba is a little slice of tropical heaven. This 70 square mile island is surprisingly dry with rare rainy days. Explore miles of beautiful beaches scattering the exotic island which have been named some of the best in the world, or ponder the most recognizable Aruban icon, the gracefully chiseled Divi-divi trees trickled across the island. Don t miss out on the opportunity to experience Arikok National Park where you will find dramatic rock formations, natural bridges, and a wide range of wildlife. The most amazing natural feature in Arikok is Conchi, a natural and secluded swimming pool made of a volcanic rock wall.

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5 Awarded the AAA Three Diamond Award, the Riu Palace sits on the shores of beautiful Palm Beach. Discover the endless opportunity for relaxation and adventure at the best all-inclusive resort in Aruba. In addition to the island, the Riu Palace s all-inclusive package provides the best entertainment and activities. Spend time in the hotel s two freshwater swimming pools, Jacuzzi, sauna, gym, solarium-terrace, health and beauty spa, or just relax at the beach. Enjoy a wide range of cuisines found in the restaurants and bars on-site or try your luck gambling the night away in Riu Palace s casino. As an added bonus, broaden your horizons by discovering the countless activities and dining options just a few feet away. As a guest of the Riu Palace Hotel, you will have privileges and full access to the adults only Riu Palace Antillas Hotel located next door.

6 Enjoy the perfect balance of elegance and comfort in your ocean view guest room. These stunning guest rooms have an unlimited amount of noteworthy features and astounding services such as turndown service and 24-hour room service. All guest rooms offer the following amenities:

7 Riu Palace Hotel is all-inclusive 24 hours a day, including the room service. All meals and snacks are included as well as most drinks. Enjoy a wide range of cuisine dishes to fulfill anyone s palate. From buffets to live cooking stations, the hotel has many dining options. Included in your stay are unlimited local and imported beverages, drink service at the pool, and minibar and regularly restocked liquor dispenser in the guest rooms. Casino drinks are excluded from the all-inclusive package. - Buffet restaurant with terrace - Fusion restaurant - Japanese restaurant - Italian restaurant - Poolside grill and steakhouse with terrace - Lobby bar - Bar with terrace - Bar (not included in all-inclusive) - Bar (opened 24 hours) - Poolside bar with swim-up bar Keep in mind, restaurants have a specific dress code. Some restaurants require reservations.

8 As one of the more developed islands in the Caribbean, Aruba has plenty to do by offering sunbathing, dinner shows, cabarets, countryside excursions, great restaurants, windsurfing, waterskiing, and high-stake gambling at the casinos along the beaches. Aruba has a number of colorful and unique shopping centers for the island shoppers including the Royal Plaza Mall and the Holland Aruba Mall. Below are just a few sightseeing and recreational opportunities:

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10 The following are monthly agent goals to keep you on track for MDRT, Honor Club, Vanguard Club and President s Club levels. Honor Vanguard President's My Net My Net 2017 MDRT Club Club Club My Issued New (NAFYC) (NAFYC) (NAFYC) (NAFYC) (NAFYC) Apps Members January $7,917 $4,833 $3,833 $2,417 February $15,834 $9,667 $7,667 $4,833 March $23,751 $14,500 $11,500 $7,250 April $31,668 $19,333 $15,333 $9,666 May $39,585 $24,167 $19,167 $12,082 June $47,502 $29,000 $23,000 $14,499 July $55,419 $33,833 $26,833 $16,915 August $63,336 $38,667 $30,667 $19,331 September $71,253 $43,500 $34,500 $21,748 October $79,170 $48,333 $38,333 $24,164 November $87,087 $53,167 $42,167 $26,580 December $95,000 $58,000 $46,000 $29,000

11 MDRT Club Level: $95,000 / 52 weeks = $1,827 commissions per week (plus bonuses) Sell to three people each week willing to spend $23.07 in premium per week for insurance. Honor Club Level: $58,000 / 52 weeks = $1,115 commissions per week (plus bonuses) Sell to three people each week willing to spend $14.08 in premium per week for insurance. Vanguard Club Level: $46,000 / 52 weeks = $885 commissions per week (plus bonuses) Sell to three people each week willing to spend $11.17 in premium per week for insurance. President s Club Level: $29,000 / 52 weeks = $558 commissions per week (plus bonuses) Sell to three people each week willing to spend $7.04 in premium per week for insurance.

12 Field Representative Qualifications Must qualify for MDRT with a minimum of 55 net issued applications and $95,000 issued NAFYC (Net Annualized First Year Commissions). Field Representative Awards Attend President s Conference April 22 26, 2018, and spend four nights in Noord, Aruba, at the Hotel Riu Palace. A special dinner with the President. A special Master s MDRT Club award. A charm representing the trip as a keepsake. First time qualifiers will receive a charm bracelet with the charm. A tie tack matching the charm representing the trip as a keepsake. Photo inclusion on the Home Office Wall of Fame. Master s Club blazer (first time qualifiers). Master s Club prestigious watch. Taxable if not NMB logoed. A cash bonus of $100 with 40 net new members. This bonus will be subject to income taxes. Field Representative Qualifications A minimum of 55 net issued applications and $58,000 issued NAFYC (Net Annualized First Year Commissions). Field Representative Awards Attend President s Conference April 22 26, 2018, and spend four nights in Noord, Aruba, at the Hotel Riu Palace. A special dinner with the President. A special Master s Honor Club award. A charm representing the trip as a keepsake. First time qualifiers will receive a charm bracelet with the charm. A tie tack matching the charm representing the trip as a keepsake. Photo inclusion on the Home Office Wall of Fame. Master s Club blazer (first time qualifiers). Master s Club luxury briefcase. Taxable if not NMB logoed. A cash bonus of $100 with 40 net new members. This bonus will be subject to income taxes.

13 Field Representative Qualifications A minimum of 55 net issued applications with $46,000 issued NAFYC (Net Annualized First Year Commissions). Field Representative Awards Attend President s Conference April 22 26, 2018, and spend four nights in Noord, Aruba, at the Hotel Riu Palace. A special dinner with the President. A special Master s Vanguard Club award. A charm representing the trip as a keepsake. First time qualifiers will receive a charm bracelet with the charm. A tie tack matching the charm representing the trip as a keepsake. Master s Club blazer (first time qualifiers). A cash bonus of $100 with 40 net new members. This bonus will be subject to income taxes. Field Representative Qualifications A minimum of 24 net issued applications with $29,000 issued NAFYC (Net Annualized First Year Commissions). Field Representative Awards Attend President s Conference April 22 26, 2018, and spend four nights in Noord, Aruba, at the Hotel Riu Palace. A special President s Club award. A charm representing the trip as a keepsake. First time qualifiers will receive a charm bracelet with the charm. A tie tack matching the charm representing the trip as a keepsake. A cash bonus of $100 with 40 net new members. This bonus will be subject to income taxes.

14 A Full Time or Independent Field Representative with a hire date ten or less months prior to January 1, 2018, can qualify for this President s Conference at President s Club Level with the following qualifications: a minimum of $25,000 issued NAFYC and 24 net issued applications. A field representative with a hire date eleven or twelve months prior to January 1, 2018, can qualify for this President s Conference (President s Club Level) at a pro-rated amount shown below. Month Started FT/Independent Minimum Net Issued Applications Minimum Net Issued NAFYC January 24 $28,000 February 24 $26,500 March December 24 $25,000 Field Representative Awards Attend President s Conference April 22 26, 2018, and spend four nights in Noord, Aruba, at the Hotel Riu Palace. A charm representing the trip as a keepsake. First time qualifiers will receive a charm bracelet with the charm. A tie tack matching the charm representing the trip as a keepsake. A cash bonus of $100 with 40 net new members. This bonus will be subject to income taxes.

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16 The qualification period for the 2018 President s Conference includes net issued business produced during a twelve-month period from January 1, 2017, through December 31, An additional seven days will be given at the beginning of January 2018 to tighten up loose ends from the end of the year. Monthly reports will be sent to you, showing your accumulated NAFYC, applications and new member totals for NMB business. All qualifiers must be licensed and in good standing with NMB at the time of the Conference to receive any awards. A qualified representative who cannot attend the Conference may be paid a cash reward, provided that their absence has been approved in writing by the Home Office Rules Committee. In addition, the cash reward amount will be determined by the Home Office Rules Committee. This will be reported on your tax form at year-end. Issued business includes all business issued during the qualifying period less chargebacks. Eligible annuity business includes deposits into a newly issued annuity, originally written by that same agent, in its first policy year. Deposits made into an in force annuity after its first policy anniversary are not credited for President s Conference. ALL TAX-QUALIFIED ANNUITIES ARE EXCLUDED FROM PRESIDENT S CONFERENCE. Annuity rollovers must be received in the Home Office and applied to the policy by the end of the qualification date to be credited. Annualized net first year commission levels include first year commissions only on Life policies. No renewal or excess Universal Life commissions will count for qualification levels. Any chargebacks of first year commissions will be subtracted from business issued. Annuity commission will count as earned and credited to the agent s account. The official report showing eligible credit is the President s Conference Report, which will be supplied to you on a monthly basis. The sources of the data for this report are the Net Issued Business Report and the Qualified Annuity Report, which is subtracted from the Net Issued Business Report numbers. However, these reports show only NMB business. For Full Time Field Representatives, the year-end report will include Corporate Agency (NMB Brokerage) commission. For Independent Field Representatives, please note that all qualification trip levels are established on base level net annualized commissions, not actual earned commissions. Commissions earned on approved business issued through Corporate Agency (NMB Brokerage) is credited as follows: a maximum of $3,000 Net Earned First Year Commission (NEFYC) can be used in addition to NMB business to meet any qualification level, except for the MDRT level. Corporate Agency business is NOT eligible at the MDRT level. ALL TAX- QUALIFIED ANNUITIES ARE EXCLUDED FROM CORPORATE AGENCY BUSINESS. A minimum of 24 net issued qualified applications is required. Dual Benefit Universal Life applications count as two applications. Increases in base coverage of $10,000 or more (credited to the agent) count as an application.

17 All tax-qualified annuities are excluded from President s Conference entirely. These specific annuities will not count towards issued business, Corporate Agency business, application count, Fast Start Credit, Take Two Credit, or new member qualifications. GrandStart policies do not count towards application count nor towards new member President s Conference totals. However, GrandStarts will only count as new members in the Take Two Credit promotion. To promote a fast start to the production year, additional commission credit will be given on NMB business issued during the first quarter. These additional commissions will not be paid, but rather used only as credit towards qualifications for President s Conference. Fast Start commission credit will NOT count towards any other incentive promotion or program. Monthly reports will be sent to you showing your actual accumulated NAFYC and your Fast Start Credit commissions. Business issued in January, February and March will receive total credit of 120% of normal commissions. There is no Fast Start Credit on Corporate Agency (NMB Brokerage) business. To promote a great production year and to encourage agents to actively seek new members, an additional $250 commission credit will be given on each new member issued during the second, third and fourth quarter. These additional commissions will not be paid, but rather used only as credit towards qualifications for President s Conference. The Take Two commission credit will NOT count towards any other incentive promotion or program. GrandStart policies will be counted as new members for Take Two ONLY, but will earn $125 commission credit for each new member. Monthly reports will be sent to you showing your actual accumulated NAFYC and your Take Two Credit commissions. There is no Take Two Credit on Corporate Agency (NMB Brokerage) business. A cash bonus is available for agents who produce a minimum of 40 net issued NMB new members. See qualifications for details. A new member is a person who was not previously insured under a NMB individual or dual life policy within the last 36 months. Both insureds on a Dual Benefit Universal Life application count as new members if they both qualify according to the above definition. The MDRT mandates qualification rules to earn their award. Among those rules are the required commission levels and the requirement that credited commissions be on issued business. To qualify for the MDRT Club for this President s Conference, you must meet MDRT qualifications with NMB business ONLY. In addition, you must meet the net application requirements of 55 to qualify for this club. It is possible and has occurred to meet MDRT qualification levels with NMB business, Corporate Agency business and business from another company (Independents); however, ONLY NMB s total commission will determine the MDRT Club award.

18 Any Full Time Field Representative who has achieved at least 20 years of service with National Mutual Benefit and has qualified for a minimum of 20 President s Conferences, will be able to qualify for this conference with a minimum of 25 net issued applications. Full Time Field Representatives must qualify at the same NAFYC levels as established each year for each President s Conference category. Representatives qualifying for more than one club category will receive the highest club award only. If trip is not all-inclusive, additional cash bonuses will be included in the qualification level awards. For all-inclusive trips, additional cash bonuses are not distributed. For trips where travel is not included, travel allowances will be incorporated in the qualification levels. When airfare is included, travel allowances are not distributed. In either case, airfare will be booked by NMB. The 2018 trip is all-inclusive with airfare provided. Cash payments representing bonuses are taxable as ordinary income. This will be reported on your tax form at year-end. Any travel or food expenses that are not provided by NMB or in the trip package are the responsibility of the qualifier. This includes costs related to airport transfers or automobile and travel expenses if driving to the conference from the qualifier s home. Souvenirs and gifts are NOT eligible expenses. At the conclusion of the conference, costs related to transportation home from the conference are likewise the responsibility of the qualifier. The qualifier has the responsibility of submitting eligible expenses to the Home Office Accounting Department to offset a portion of the travel allowance (if applicable) by June 1, The excess over approved eligible expenses will be subject to income taxes. The 2018 trip is allinclusive with airfare provided so there should not be any eligible expenses. The Home Office Rules Committee reserves the right to interpret the rules of this contest, which is an incentive contest and not a contractual right. In addition, the Home Office Rules Committee reserves the right to make final decisions regarding any award winner.

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20 Agent Guide For internal use only.