MISSION TO HELP PEOPLE FROM ALL WALKS OF LIFE BUILD A BETTER FUTURE

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2 MISSION TO HELP PEOPLE FROM ALL WALKS OF LIFE BUILD A BETTER FUTURE CONSIDER THESE THREE QUESTIONS: Do you know someone who could benefit from this message? Can this information help you, your family and your friends financially? Are you intrigued by this business?

3 STRENGTH World Financial Group, Inc. (WFG) is a part of the Aegon Group. Aegon is a global financial services organization that: Provides life insurance, pension solutions and asset management products in more than 25 markets across the globe. 1 Has a market capitalization of $17 billion as of March 31, Operates under the Transamerica brand in the United States, where Transamerica is among the top 10 largest providers of variable annuities, individual universal life, individual term life and equity-indexed universal life insurance. 1 COMPANY PRO- FILE 1 Aegon, Fact Sheet: Americas, May 2015, Fact-sheets/Fact-sheet-Americas.pdf.

4 2, 3 2, 3 STRENGTH IN SELECTION 2, 3 2, 3 Fixed Annuities Life Insurance Index Universal Life Long Term Care And much more... 2, 3 2, 3 2 Providers maintain current selling agreement (s) with World Financial Group Insurance Agency, Inc. (WFGIA) or its affiliated subsidiaries and/or Transamerica Financial Advisors, Inc. (TFA). Associates must be properly licensed and/or appointed to sell products from all providers listed. 3 Transamerica Premier Life Insurance Company, Transamerica Life Insurance Company, World Financial Group, Inc., and World Financial Group Insurance Agency, Inc. and its subsidiaries are affiliated companies. The full names, city and state locations of these entities are: Transamerica Premier Life Insurance Company, Cedar Rapids, Iowa; Transamerica Life Insurance Company, Cedar Rapids, Iowa; Pacific Life Insurance Company, Newport Beach, California; Voya Insurance and Annuity Company, Des Moines, Iowa; Nationwide Life Insurance Company, Columbus, Ohio

5 MISSION AND VISION NO FAMILY LEFT BEHIND FAMILY A FAMILY B MANY IN MIDDLE AMERICA $100k or less Have a Job 401K Plan Term Life Insurance Rent a Home Put money in the bank Credit Card Debt Minimal Tax Advantages No Advisor / No Plan Majority of the Population MANY IN WEALTHY AMERICA $250k or more Business Owners Permanent Life Insurance Home Owners Diversified Portfolio Debt Free Maximized Tax Advantages Have a Financial Professional Small % of the Population Most people don t plan to fail, they just fail to plan.

6 FINANCIAL CORNER STONES 1 PROTECTION 4 TAX ADVANTAGE FINANCIAL CORNER 2. STONES GROWTH 3 SAFETY

7 FINANCIAL FOUNDATION: PROPER PROTECTION 4 4 TAX ADVANTAGE 1 PROTECTION 2 GROWTH DISABILITY LONG TERM CARE RETIREMENT LIFE INSURANCE 3 SAFETY LIFE INSURANCE CAN HELP: WHAT TYPE OF INSURANCE IS RIGHT FOR YOU? Create living benefits Supplement retirement income Cover education expenses for your children Replace income for your dependents Pay final expenses Create an inheritance for your heirs Pay federal and state estate taxes Create a source of savings Provide funds for charitable contributions TERM Term life insurance policies provide coverage for a set period of time, or term, and do not have a cash element. Term policies are less expensive than permanent life policies that can build cash value over time. OR PERMANENT Permanent life insurance policies remain in effect until the insured s death, provided premium payments are paid. Many permanent life insurance policies also allow the policy owner to allocate net premiums to accounts that have the potential to grow over time. 4 Tax and/or legal advice not offered by World Financial Group, Inc., its affiliated companies nor its independent associates. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

8 1 PROTECTION COMPOUND INTEREST 4 TAX ADVANTAGE 2 GROWTH. 3 SAFETY RULE OF 72 5 The examples below show how much you can earn over time with an investment of $10,000 dollars at different rates of return starting at age 29. 1% 72 YEARS 4% 18 YEARS 6% 12 YEARS 10% 7.2 YEARS 29 $10, $20, $10, $20, $40, $10, $20, $40, $80, $10, $20, $40, $80, $160, $320, $640,000 5 The Rule 72 is a mathematical concept that approximates the number of years it will take to double the principal at a constant rate of return. The performance of investments fluctuates over time and, as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty. Additionally, there are no guarantees that any investment or savings program can outpace inflation. All figures are for illustrative purposes only and do not reflect an actual investment in any product.

9 1 PROTECTION OPTIONS FOR YOUR MONEY 4 TAX ADVANTAGE 2 GROWTH 3 SAFETY THERE ARE VARIOUS WAYS TO INVEST YOUR MONEY. HERE, IN BROAD TERMS, ARE THREE OPTIONS: 6 FIXED VARIABLE INDEXED 7% 7% 5% 4% 3% 2% 1% 0% 6% 5% 4% 3% 2% 1% 0% 6% 5% 4% 3% 2% 1% 0% -1% -1% % -2% -2% -2% -3% -3% HOW WOULD YOU LIKE YOUR MONEY TO GROW? 6 These graphs depict hypothetical scenarios and are not necessarily representative of how these investment types perform.

10 RISK 4 TAX ADVANTAGE 1 PROTECTION 2 GROWTH 3 SAFETY MARKET RISK THE IMPACT OF LOSSES It hurts more than you think. If you lose 50% of $100, what rate of return does it take to get back to $100? A 50% gain only gets you back to $75. $100 $50 $50 A 100% gain is required to fully recover a 50% loss. 50% 50% 100% $50 $75 $100

11 HOW MONEY GETS TAXED 7 4 TAX ADVANTAGE 1 PROTECTION 3 SAFETY 2 GROWTH REDUCE THE IMPACT OF TAXES 7 WHEN SAVING, YOU WANT TO BE SURE TO CONSIDER THE EFFECT THAT TAXES CAN HAVE ON YOUR INCOME. TAX NOW TAX LATER TAX ADVANTAGED SAVINGS ACCOUNTS CERTIFICATES OF DEPOSIT (CDs) 401(K)s IRAs FIXED ANNUTITES SAVINGS BONDS ROTH IRAs CASH ACCUMULATION IN AN INSURANCE POLICY 7 Tax and/or legal advice not offered by World Financial Group, Inc., its affiliated companies nor its independent associates. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

12 WFG FINANCIAL NEED ANALYSIS THE 6 STEPS TO FINANCIAL INDEPENDENCE 8 1 CASH FLOW 4 Earn additional income. Manage expenses. PROPER PROTECTION Protect against loss of income. Protect family assets. 2 EMERGENCY FUND 5 Save 3-6 months income. Prepare for unexpected expenses. BUILD WEALTH Strive to outpace inflation & reduce taxes. Professional money management. 3 DEBT MANAGEMENT 6 Consolidate debt. Strive to eliminate debt. PRESERVE WEALTH Reduce taxation. Build a family legacy. When investing, there are certain risks, fees and charges, and limitations that one must take into consideration. 8 The WFG Financial Needs Analysis, developed by World Financial Group, is based on the accuracy and completeness of the data provided by the client. The analysis uses sources that are believed to be reliable and accurate, although they are not guaranteed. Discuss any legal, tax or financial matter with the appropriate professional. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any specific security or financial service.

13 TIMING IS EVERYTHING BABY BOOMER GENERATION BABY FOOD FAST FOOD REAL STATE 78 million people born during the post WWII Baby Boom, roughly 9 during the years 1946 to TOYS CARS RETIREMENT 1946 PRESENT If you would like a chance to be wealthy in your lifetime, wouldn t it make sense to be in the right place at the right time? GENERATION X AND MILLENNIALS 112 million people born between 1965 and 1994 which make up 41% of the U.S. 9, 10 population. Nearly HALF of all existing financial advisors are over the age of THE STATE OF THE INDUSTRY 55 and... Nearly 1/3 will RETIRE over the next decade 11 Leaving an estimated shortfall of 200,000 advisors by the year Generations X,Y, Z and the Others, William J. Schroer, The Social Librarian, October 2015, 10 Figuring Out Boomers, Gens X and Y, John Ha, Reliableplant.com, Sept Number of U.S. financial advisors fell for fifth straight year: report, Reuters, Feb. 11, Advisors slow to train successors, Andrew Osterland, CNBC.com, May 1, 2014

14 A UNIQUE BUSINESS PLATFORM No Financial Services Experience Necessary Test Drive the Opportunity: Start Part-time No Time Clock Unlimited Earning Potential Leadership Development & Mentoring Business Model Strength on Your Side The Power of Choice Business Expansion The WFG Business System Equal Opportunity for All A Diverse Field Force Growing the Underserved Market The Company Financial Needs Analysis Affiliated Companies World-class Recognition and Events Technology and Business Tools The need has never been greater. Now, more than ever, people need WFG.

15 COMPENSATION 1 PERSONAL INCOME When you help families and write new business you earn a commission. As you reach certain preset levels, your commission percentage increases. You can reach out to anyone who has a need; there are no limits to the number of clients you can serve. 2 AGENCY INCOME As you grow your business you have the opportunity to mentor and coach associates. As these associates write new business, you earn a portion of the overall commissions. YOUR EARNING POTENTIAL WFG offers an excellent income opportunity. The following example shows how helping a family results in a $2,400 commission paid to the field, with the commission based on an average life insurance policy sale to a 40-year-old 13, 14, 15 male who is contributing $200 per month to the policy. PER MONTH PER YEAR Associate (Helps four families per month) 16 $4,320 $51,840 Senior Marketing Director (Helps four families per month) 16, 17 $7,680 $92,160 Override (Managing a 5 person team, each helping 4 clients per month) 17 $16,800 $201, Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools. 14 Commission amount may vary based on product type and size of purchase. 15 This is a hypothetical scenario for illustrative purposes only. There is no assurance that these results can or will be achieved. Income is earned from sales of WFG authorized products and services. No income is earned for recruiting. See the current WFG Field Manual for compensation percentages on all diversified product lines. All compensation plans subject to change. Advancement criteria/designations are determined and offered by or through WFG. Personal percentages earned on products may vary based on advancement level with WFG. WFG Associate contract level of 36%, Senior Marketing Director contract level of 64%, Senior Marketing Director override level of 28%. 16 Associates of WFG are independent contractors, regardless of field title/designation. 17 Example assumes all SMD s team members are at the Associate level.

16 COMPENSATION 3 EXPANSION INCOME There are no geographic territories to limit your growth, you can expand anywhere in the United States and certain U.S. territories.with this growth there is potential to earn income from the teams you develop. 4 BONUS INCOME Qualified leaders can earn a pro-rata share of an override on the entire field force. Your portion of the bonus can grow based on your organization s production and increase your earning potential. 5 RECURRING INCOME A big step in your professional growth is becoming an Investment Advisor Representative (IAR). As an IAR, through the use of approved third-party money managers, you can offer professional money management to your clients, which can provide you with recurring income. The following are the average and highest earning for a rolling 12-month period through March 15, 2015 for North American associates who held life, securities, and/or investment advisory licenses. 18 LEVEL AVERAGE HIGHEST SMD (Life and Securities Licensed) $68,945 $593,328 SMD (Life, Securities and Advisory Licensed) $81,865 $908,932 EMD $210,441 $1,100,503 CEO MD $472,194 $1,907,697 EVC $1,220,588 >$10 million 18 Average and highest earnings as of March 15, With the exception of the EVC highest earnings, all numbers are rounded to the nearest dollar.

17 RECOGNITION WHEN YOU FEEL GOOD YOU DO GOOD. RINGS AND WATCHES PLAQUES AND TROPHIES LEADERSHIP NETWORKS TRIPS FORBES MAGAZINE

18 NEXT STEPS Who do you know who could benefit from our message? Could this information help you or your family financially? Are you intrigued by this business? CONSIDER WFG Let s review the three questions we asked you to consider when contemplating a career with WFG. CLIENTS Get your complimentary financial needs analysis. BUSINESS PART TIME FULL TIME You like their current jobs but would like to earn extra income. You are frustrated or dissatisfied with where you are in their career/life, and would like more control over their time and income. You feel less secure or have recently lost a job, and are looking for options. You are looking to change careers or want to own a business.

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20 World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer a broad array of financial products and services. Insurance products offered through World Financial Group Insurance Agency, Inc.(WFGIA), World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., World Financial Group Insurance Agency of Wyoming, Inc., World Financial Insurance Agency, Inc. and/or WFG Insurance Agency of Puerto Rico, Inc. WFG, WFGIA are affiliated companies. WFG and WFGIA Headquarters: Johns Creek Parkway, Johns Creek, GA Phone: A/1.16