Membership Information for the 2019 Million Dollar Round Table

ship Information for the 2019 Million Dollar Round Table Based on 2018 production Million Dollar Round Table 325 West Touhy Avenue, Park Ridge, Illinois USA Phone: +847.692.6378 Fax: +1 847.518.8921 Email: membership@mdrt.org

PLEASE NOTE Please note the following changes to previous versions of this document. Please discard any copies of this document that do not have the mark of Global 1/4/2018 at the foot of each page. The 2019 membership requirements have been determined. See page 3. The name of the product categories has been modified to Protection Products and Other Products. See page 4. The illustration for Protection Credit has been corrected. See page 9. The MDRT Annual Meeting will take place in June 2019. See page 10. The Asia Global Conference will take place in August/September 2019. See page 10. The U.S. Top of the Table Income requirement was corrected. See pages 3, 5, 14. Table of Contents Page I. Production Requirements ---------------------------------------------------------------------- 3 II. Eligibility ------------------------------------------------------------------------------------------ 4 III. Reporting ------------------------------------------------------------------------------------------ 5 IV. Additional Requirements ----------------------------------------------------------------------- 6 V. Clarifications -------------------------------------------------------------------------------------- 7 VI. Illustrations---------------------------------------------------------------------------------------- 9 VII. Meetings ------------------------------------------------------------------------------------------ 10 VIII. / Production Requirements By Country ------------------------ 11 IX. Income Production Requirements By Country ------------------------------------------- 13 Apply for 2019 membership online at https://my.mdrt.org/onlineshipapplication.aspx. Page 2 Global 1/4/2018

MEMBERSHIP INFORMATION FOR THE 2019 MILLION DOLLAR ROUND TABLE I. PRODUCTION REQUIREMENTS 1. Production Methods ship in the 2019 Round Table will be based on the following production methods: (See page 4 for products) /Fee Method A minimum of USD 96,000 of eligible commissions paid is required. Of this total, a minimum of USD 48,000 of paid commissions (50 percent of the requirement) must come from products listed in the Protection category. Method A minimum of USD 192,000 of eligible paid premium is required. Of this total, a minimum of USD 96,000 of premium (50 percent of the requirement) must come from products listed in the Protection category. Income Qualification Method A minimum of USD 166,000 in annual gross income from the sale of insurance and financial products is required. A minimum of USD 48,000 must be income from new business generated during the production year. Further, a minimum of USD 48,000 must be derived from income associated with products in the Protection category. It is possible that the same business, for example the sale of new life insurance policies, could satisfy both requirements. 3. Top of the Table & Method A minimum of USD 576,000 of eligible commissions paid or USD 1,152,000 of eligible paid premium. At least USD 48,000 of commission or USD 96,000 of premium (50 percent of the entry-level MDRT requirement) must come from products listed in the Protection category before an applicant can use any credit from policies listed under the Other Products category. Income Method A minimum of USD 996,000 of eligible annual gross income is required. The applicant must meet the minimums of USD 48,000 in new business and USD 48,000 in risk-protection business. Top of the Table Waivers Top of the Table members with a minimum of 10 years of Top of the Table membership who do not meet the required minimum production level may apply under the Top of the Table waiver provision, but must submit required Top of the Table dues. 2. Court of the Table & Method A minimum of USD 288,000 of eligible commissions paid or USD 576,000 of eligible paid premium is required. At least USD 48,000 of commission or USD 96,000 of premium (50 percent of the entry-level MDRT requirement) must come from products listed in the Protection category before an applicant can use any credit from policies listed under the Other Products category. Income Method A minimum of USD 498,000 of eligible annual gross income is required. The applicant must meet the minimums of USD 48,000 in new business and USD 48,000 in risk-protection business. Please note: Applicants may not combine production credit from the methods above to attain the minimum requirement. Applicants will be approved only under one method. The 2019 production requirements for applicants outside the United States are expressed in local currency. All commission, premium or income credit reported must be converted to U.S. dollars using the MDRT conversion factor listed at the end of this document. Page 3 Global 1/4/2018

4. Eligible Products and Credit RISK-PROTECTION PRODUCTS Products from life insurance companies /Fee Credit Credit Accidental death and dismemberment (individual) 100% of first year commission 100% of first year premium Critical illness (individual) 100% of first year commission 100% of first year premium Disability income contracts (individual) 100% of first year commission 100% of first year premium Life (individual) Up to annual premium/target premium 100% of first year commission 100% of first year premium Deposits in excess of annual/target 100% of commission paid 6% of excess premium premium/top up Single premium (whole life and investment) 100% of first year commission 6% of first year premium Short-term endowment rider (max 15 yrs) 100% of first year commission 6% of first year premium Long-term care (individual) 100% of first year commission 100% of first year premium Accidental death and dismemberment (group) 100% of first year commission 10% of first year premium Critical illness (group) 100% of first year commission 10% of first year premium Disability income contracts (group) 100% of first year commission 10% of first year premium Life (group) 100% of first year commission 10% of first year premium Long-term care (group) 100% of first year commission 10% of first year premium Annuities (individual and group) 100% of all commissions 6% of new money invested Single premium and/or short-term endowment (max 100% of first year commission 6% of first year premium 15 yrs.) OTHER PRODUCTS Products /Fee Credit Credit Health care (individual) 100% of first year commission 100% of first year premium Health care (group) 100% of first year commission 10% of first year premium Mutual funds 100% of all commissions/fee 6% of new money invested Securities 100% of commission/fee on new 6% of new money invested money invested Wrap accounts/asset management accounts 100% of all commissions/fee 6% of new money invested Financial Planning Fees/Fees for Advice 100% of the net fee 100% of the gross fee II. ELIGIBILITY 1. Qualification Overview First-time applicants for MDRT must use either the commission or premium methods to demonstrate qualification for membership. (See chart on page 5.) Any individual with prior MDRT membership is eligible to apply using the income qualification method. 2. MDRT Status Designations Each MDRT status designation is granted for one year only. All members must apply every year to continue their affiliation with MDRT. Qualifying An individual who is a first-time applicant becomes a Qualifying (Q) member when his/her application papers are approved. Until the 10 th year of membership is attained, the member will be a Qualifying member. Qualifying And Life An individual becomes a Qualifying and Life (QL) member when approved for the 10 th year of membership. The year or years during which Provisional Applicant status was/were held are counted. Qualifying and Life status is maintained in future years by submitting an application each year, including certifying letter(s) demonstrating qualifying production or by attesting to having met current minimum production levels, and by paying the required dues. Life After Qualifying and Life membership has been attained, Applicants for Life status will declare that they did not meet the production requirement, but still wish to continue their MDRT membership. Life members must annually submit an application and pay dues. Page 4 Global 1/4/2018

COMMISSION PREMIUM Type Protection MDRT COT TOT MDRT COT TOT Total Protection Total Protection Total Type Protection Total Protection Total Protection Production $48,000 $96,000 $48,000 $288,000 $48,000 $576,000 Production $96,000 $192,000 $96,000 $576,000 $96,000 $1,152,000 1st-Time Required Required Required 1st-Time Required Required Required Signed by Company Company Company Signed by Company Company Company 2-10 Year Required Required Required 2-10 Year Required Required Required Signed by Company Company Company Signed by Company Company Company 11+ Year Not Required Required if less Required if less 11+ Year Total Not Required Required if less Required if less than 10 COT than 10 TOT than 10 COT than 10 TOT Signed by Not Required Company Company Signed by Not Required Company Company Type New Business INCOME MDRT COT TOT Protection Total New Business Protection Total New Business Protection Production $48,000 $48,000 $166,000 $48,000 $48,000 $498,000 $48,000 $48,000 $996,000 1st-Time Not Eligible Not Eligible Not Eligible Signed by 2-10 Year Required Required Required Signed by Self-signed Self-signed Self-signed 11+ Year Not Required Required if less than 10 COT Required if less than 10 TOT Signed by Not Required Self-signed Self-signed Total III. REPORTING 1. Verifying Production And Verification First-time applicants must apply using ONLY the commission or premium methods and supply a certifying letter(s) with third party verification. Those applying for Qualifying membership (years two through 10) may submit the customary certifying with third party verification for commission or premium or submit a self-signed certifying letter and attach supporting documents for the income qualification method as outlined above. may be completed by a representative of the company/broker dealer/brokerage agency, a Certified Public Accountant (or equivalent), or a representative of the applicant's personal agency/corporation or office. Income Verification Verification of eligible production under the income qualification method will be accomplished via a certifying letter signed by the applicant. All applications submitted under the income method are subject to a random production verification audit at a later date. If selected, the individual will need to supply supporting documents, such as commission statements, that verify the amounts claimed. Other acceptable supporting documents would be a statement of income signed by a representative of the company/broker dealer/brokerage agency, a Certified Public Accountant (or equivalent), or a representative of the applicant s personal agency/corporation/office. Tax documents may also be used. Page 5 Global 1/4/2018

Simplified Reporting for Qualifying & Life and Life s Once eligibility for Life status has been attained, members who have achieved Qualifying and Life or Life status are eligible to submit an application each year, including certifying letter(s) demonstrating qualifying production or by attesting to having met current minimum production levels, and by paying the required dues. Proof of production (i.e. certifying or commission/income documents) will not be required beginning in the eleventh year. Applicants for Life status will declare that they did not meet the production requirement, but still wish to continue their MDRT membership. 2. Court of the Table Applicants must continue to submit proof of production via certifying letter(s) until achieving 10 years of membership at the higher level. They may declare their eligibility without certifying or income documents when applying for the eleventh year of membership at Court of the Table level. 3. Top of the Table Applicants must continue to submit proof of production via certifying letter(s) until achieving 10 years of membership at the higher level. They may declare their eligibility without certifying or income documents when applying for the eleventh year of membership at Top of the Table level. 4. Application Forms Applications for 2019 MDRT membership will automatically be sent in November 2018 to all 2018 and 2017 MDRT members. Others may request an application by phone, fax or through the MDRT Web site at www.mdrt.org. 5. Letters A certifying letter signed by an official from the company an applicant is using for MDRT qualification is required when applying under the commission or premium method. Otherwise, the application will be considered incomplete and membership may be denied. These companies may include life insurance companies, agencies, brokerage companies, broker/dealers, banks or mutual fund companies. Also acceptable would be a certifying letter completed by a representative of the company/broker dealer/brokerage agency, a Certified Public Accountant (or equivalent), or a representative of the applicant's personal agency/corporation or office. A Certified Public Accountant (CPA) or the equivalent may sign certifying for financial planning fees/fees for advice that are paid directly to the producer when applying under the commission or premium method. Brokerage companies are defined as third party wholesalers of insurance and investment products that are provided to agents on behalf of insurance and investment companies. Should an applicant be an official of a brokerage company, the product provider who pays the commissions must sign the certifying letter unless applying under the income qualification method. Income certifying are self-reported, signed by the applicant. If selected for a production verification audit, the individual will need to supply supporting documents to verify the amounts claimed, such as: commission statements a statement of income signed by a representative of the company/broker dealer/ brokerage agency, a Certified Public Accountant (or equivalent), or a representative of the applicant s personal agency/corporation/office Tax documents 6. Honor Roll Individuals who have reported at least 15 years of Qualifying membership shall be designated as members of the Honor Roll. IV. ADDITIONAL REQUIREMENTS 1. Professional Association ship Requirement When applying for MDRT membership, applicants from the countries listed below must be members in good standing of an association that meets all of the following criteria: (A list of associations that meet the criteria may be found Web site at https://www.mdrt.org/membership/requirements/ ) The association must be an individual membership organization, open to participation without regard to company affiliation, one of the focuses of which is insurance or financial services. The association must have been in existence at least two years and must have 100 or more members. The association must be a nonprofit organization. The association must have a code of ethics and an effective means of dealing with breaches of its code. ship in an association is required of applicants from the following countries: Australia Ireland Philippines Bahamas Israel Singapore Canada Jamaica Thailand Greece Japan Trinidad & Tobago Hong Kong Malaysia United States New Zealand 2. Annual ship Dues: USD TBD Required dues, completed application and other required forms must be postmarked on or before March 1, 2019. Applications postmarked after March 1 will be considered only if accompanied by an additional fee of USD 200. 3. Court of the Table Dues: USD TBD In addition to remitting regular MDRT dues, a Court of the Table applicant must remit the required Court of the Table dues. 4. Top of the Table Dues: USD TBD In addition to remitting regular MDRT membership dues, a Top of the Table applicant must remit the required Top of the Table dues. Top of the Table membership dues includes Court of the Table dues. 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5. Life, Reduced Dues: USD TBD Life members who meet all four of the criteria below are eligible to pay a reduced dues amount. Those eligible for reduced dues are not required to be members of a professional association. a Life or a Qualifying & Life member, and applying as a Life member, and 65 years of age by December 31, 2018 and have either 25 years of membership OR 20 years of membership with production Online payment options are now available. For more information, please refer to your 2019 ship application. 6. Disability Waiver Life members who have been declared totally disabled for six consecutive months during 2018 may petition for a waiver of payment of dues for the 2019 Table. A disability petition form and doctor s statement must be submitted by March 1, 2019, with the membership application. Each petition will be judged on its own merit. Those approved for the disability waiver are not required to be members of a professional association. 7. Former Life Options Former Life and Qualifying & Life members who wish to rejoin MDRT have two options: Option One: They may choose not to pay back dues for the years missed and submit the current minimum production and current membership dues with their application. Their member status will revert to Qualifying and they must again fulfill the requirements to attain Life or Qualifying & Life status, which includes accumulating an additional 9 years of Qualifying membership. Option Two: They may retain Life or Qualifying & Life member status by paying back dues for the number of years missed, not to exceed a maximum of five years, and by meeting the then current requirements for Life membership. The maximum number of years for which back dues may be required will be reduced to three years if the member submits qualifying production for the current year. The amount of back dues will be based upon the current dues at the time of reinstatement. Please note: Payment of back dues does not provide credit for member year(s) missed. V. CLARIFICATIONS 1. Eligible s, Fees Production credit (for commissions) will be based on eligible commissions received during 2018. Credit may include either earned or advanced (annualized) commissions or both. Advanced (annualized) or earned commissions must be paid to the applicant in 2018 to be eligible for MDRT credit. Please note: s paid on a levelized basis may be reported using the present value of up to the first five years' commission discounted at 10 percent per year, not to exceed 55 percent of first-year premium. Annualized commissions may be reported for credit if paid, but any chargeback of annualized commissions in a subsequent production year will result in a reduction of that year's production credit. If commissions are paid as earned, a policy effective in 2017 may result in production credit for 2018. The policy must be in force on December 31, 2017 but is not required to be in force as of December 31, 2018. credit for pensions is based on the product used to fund the pension (life insurance, annuities, mutual funds, etc.) which determines whether it receives Protection or Other Products credit. s that are part of a deferred compensation program may be claimed up front for MDRT credit, provided that they are not claimed again in later years. Life insurance policies that exceed the annual premium or target premium are eligible for credit. First year commission credit may be given Protection category for the commission paid on the amount up to the annual/target premium. If the annual/target premium is exceeded, (sometimes referred to as a top up ) commission credit may be given in the Protection category for the commission paid on the amount that exceeded the annual/target premium. Override commissions, training allowances, bonuses and other sales or expense allowances do not qualify under the commission/premium method. Fees paid for the placement of a product are eligible for credit toward the commission requirement, as are asset management fees for mutual funds and wrap/asset management accounts. The type of product placed determines the type of credit the product receives ( Protection or Other). Financial Planning Fees/Fees for Advice are eligible for Other Products credit for the net fee paid to the agent/advisor. Fees must be documented by certifying letter signed by a company official, a broker dealer official, or a Certified Public Accountant (or equivalent) for qualifying members. Group health insurance commissions are eligible in the first year of the policy only. Additions to the group policy in subsequent years are not eligible for credit. Single premium and/or short-term endowment commissions are only eligible in the first year of the policy. Short-term endowment riders (max 15 years) to life insurance policies are eligible for 100 percent of first-year commissions in the Protection category. Long-term endowment commissions are only eligible in the first year of the policy. Long-term endowment riders (16 or more years) to life insurance policies are eligible for 100 percent of first-year commissions in the Protection category. For additional information, contact: Million Dollar Round Table Services Department 325 West Touhy Avenue Park Ridge, IL 60068 USA Phone: +1 847.692.6378 Fax: +1 847.518.8921 Web site: https://www.mdrt.org E-mail: membership@mdrt.org Page 7 Global 1/4/2018

2. Eligible Production credit (for premium) will be based on eligible premium paid or new money invested during 2018. Please note: If commissions are paid as earned, premium credit should be given only for the amount of premium actually received during the production year. If commissions are annualized, the premium credit should also be annualized. Any chargeback of annualized commissions should also result in a reduction of that year's premium credit. A policy that becomes effective in 2017 may result in production credit for the amount of premium paid or new money invested during 2018. Life insurance policies that exceed the annual premium or target premium are eligible for credit. First year premium credit may be given in the Protection category up to the amount of the annual/target premium. If the annual/target premium is exceeded, (sometimes referred to as a top up ) premium credit may be given in the Protection category for 6 percent of the amount that exceeded the annual/target premium. Financial Planning Fees/Fees for Advice are eligible for Other Products credit for the gross fee paid to the company, broker dealer or individual agent/advisor. Fees must be documented by certifying letter signed by a company official, a broker dealer official, or a Certified Public Accountant (or equivalent) for qualifying members. Group health insurance premium is eligible for credit in the first year of the policy only. Additions to the group policy in subsequent years are not eligible for credit. Single premium and/or short-term endowment premium is only eligible in the first year of the policy. Short-term endowment riders (max 15 years) to life insurance policies are eligible for 6 percent of first year premium credit. Long-term endowment premium is only eligible in the first year of the policy. Long-term endowment riders (16 or more years) to life insurance policies are eligible for 100 percent of first-year premium credit in the Protection category. credit for pensions is based on the product used to fund the pension (life insurance, annuities, mutual funds, etc.) which determines whether it receives Protection or Other Products credit. 3. Eligible Income Production credit is based on annual gross income paid during 2018. Please note: See chart on page 4 for eligible products. Under this model, income is defined as first-year, trail and renewal commissions, as well as fees for product placement, asset management fees and fees for advice. Other production-based compensation, such as salaries and production-based bonuses, are also eligible for credit. Income contributed as part of a deferred compensation plan is eligible for credit. Credit should be taken during the production year when the deferred income was earned. Override commissions are eligible only for personal production. Income considered INELIGIBLE for MDRT credit includes: Training bonuses/allowances Sales/expense allowances Overrides derived from the production of others. Non-cash compensation, such as incentive trips Income from property and casualty insurance and general insurance (fire, home, auto, etc.) Income from the sale of mortgages. Life settlements Money market accounts 4. Credit for Coverage Written on the Applicant, Spouse or Dependents Any business written on the applicant, applicant s spouse or dependents may not exceed a maximum of 5 percent of the current year's MDRT production requirement (USD 4,800 eligible commissions or USD 9,600 of eligible premium or USD 8,300 of eligible income) if any of the premiums are paid, directly or indirectly, by the applicant or spouse. 5. Replacements Credit for individual life insurance policies may be claimed only for the amount of first-year commissions or premium on the new policy that exceeds the first-year commissions or premium for the policy being replaced. If the amount is not known, then the amount of commissions being replaced shall be calculated by multiplying the current commission times the appropriate premium for the policy being replaced. credit can be determined by subtracting the replaced premium from the new premium. Conversion of a permanent product to a permanent product is to be treated as a replacement for MDRT purposes. This applies only to replacement of individual life insurance policies. 6. Definitions And Interpretations Business Paid for and Underwritten Business to be credited shall be paid for during the MDRT qualification period (January 1 through December 31). Business shall be considered to have been paid for as of the date when the coverage first became fully effective with home office approval from the standpoint of payment of the claim (regardless of company practice or the distance between home and field office). However, no credit shall be allowed until the home office has finally accepted the premium and also until the first-year commissions have been paid or credited to the agent's account without any right reserved to the insurance company to recover same, except in case of recall under the contestable provisions of the contract. On joint, partnership, corporate and/or brokerage business, MDRT credit shall be given for only that portion of the business on which the applicant has been compensated, either by first-year commission or the equivalent. Health Insurance Includes policies that relate to the health of the body. Dental, vision, etc., are eligible for credit. See page 4 for specifics. Page 8 Global 1/4/2018

6. Definitions and Interpretations (Cont d) Policy and Case Definitions A policy shall be defined as an individual contract covering one or more lives as contrasted with a group policy, a pension, profit sharing trust or a salary savings plan. Under a qualified pension or profit sharing trust or a salary savings plan, each individual policy shall count as one (1) policy for the purpose of computing total eligible policies. For purposes of production, an employer-sponsored group life plan, franchise life plan and group annuity plan and mutual fund transaction with one (1) investor shall be considered one (1) case regardless of the number of lives or funds involved. VI. ILLUSTRATIONS In Force Requirement Credited business shall include only business which has not been terminated on or before the last day of the MDRT qualification period (December 31) except for business terminated by death or term conversion. Securities Includes stocks, bonds or other equities. See page 4 for specifics. Clarification of Protection and Other Products Credit At least one-half (50 percent) of the production requirement must come from products listed in the Protection category. (See section I, 4) This serves as a threshold that must be crossed before an applicant can use any credit from the Other Products category. Once crossing the threshold, applicants may use all of the credits from Other Products category to meet the MDRT requirement. The 2019 commission requirement for is USD 96,000. To qualify, the applicant must submit a minimum of USD 48,000 in commission from products listed in the Protection category. Example 1 Eligible for MDRT membership Applicant total Protection 48,000 Applicant total Other Products 100,000 Total MDRT commission credit 148,000 Example 2 NOT eligible for MDRT membership Applicant total Protection 47,999 Applicant total Other Products 100,000 Total MDRT commission credit 47,999 Please note: The 50 percent threshold applies regardless of whether commission or premium is used to qualify for membership. Clarification of Income Qualification A minimum of USD 166,000 in annual gross income from the sale of insurance and financial products is required. A minimum of USD 48,000 must be income from new business generated during the production year. Further, a minimum of USD 48,000 must be derived from income associated with Protection Products. It is possible that the same business, for example the sale of new life insurance policies, could satisfy both requirements. (See Example 2 below.) ELIGIBLE for MDRT membership Example 1 Applicant annual gross income 166,000 Applicant total new business 48,000 Applicant total Protection Products 48,000 Example 2 Applicant annual gross income 166,000 Applicant total new business from Protection Products * 48,000 *Satisfies both new business and risk-protection products minimums. NOT Eligible for MDRT membership Example 3 Applicant annual gross income 166,000 Applicant total new business 47,999 Applicant total Protection Products 48,000 Example 4 Applicant annual gross income 166,000 Applicant total new business 48,000 Applicant total Protection Products 47,999 Page 9 Global 1/4/2018

MDRT Meetings - Mark Your Calendars! MDRT Annual Meeting* June 2019 TBA, USA Asia Global Conference* August/September 2019 TBA Top of the Table Annual Meeting* 25 28 September 2019 Austin, Texas, USA EDGE Meeting* November 2019 TBA, USA *Attendance at the MDRT Annual Meeting, Asia Global Conference, Top of the Table Annual Meeting and EDGE Meeting are open to approved members of the 2019 Table and requires payment of separate registration fees. Visit www.mdrt.org or contact MDRT at +1 847.692.6378 or email to meetings@mdrt.org for meeting information or for exhibitor and sponsorship opportunities. Page 10 Global 1/4/2018

COMMISSION AND PREMIUM PRODUCTION REQUIREMENTS FOR MEMBERSHIP IN THE 2019 MILLION DOLLAR ROUND TABLE Based on 2018 Production, Expressed in Local Currency Production credit must be reported in U.S. dollars on Letters (Local currency divided by the conversion/standardization factor = MDRT requirement in U.S. dollars) Production requirements are set independently for each country. Conversion/standardization factors have no relationship to currency exchange rates and are used only to standardize MDRT processing. (For a complete list of country requirements, see the MDRT web site at https://www.mdrt.org/membership/requirements/.) Country MDRT COT TOT Conv Factor MDRT COT TOT Conv Factor Angola 53,700 161,100 322,200 0.5593 107,400 322,200 644,400 0.5593 Anguilla 106,500 319,500 639,000 1.1093 213,000 639,000 1,278,000 1.1093 Antigua 160,600 481,800 963,600 1.6729 321,200 963,600 1,927,200 1.6729 Argentina 222,200 666,600 1,333,200 2.3145 444,400 1,333,200 2,666,400 2.3145 Armenia 16,500,800 49,502,400 99,004,800 171.8833 33,001,600 99,004,800 198,009,600 171.8833 Aruba 121,000 363,000 726,000 1.2604 242,000 726,000 1,452,000 1.2604 Australia 135,600 406,800 813,600 1.4125 271,200 813,600 1,627,200 1.4125 Azerbaijan 24,300 72,900 145,800 0.2531 48,600 145,800 291,600 0.2531 Bahamas 80,200 240,600 481,200 0.8354 160,400 481,200 962,400 0.8354 Bahrain 23,000 69,000 138,000 0.2395 46,000 138,000 276,000 0.2395 Bangladesh 2,140,900 6,422,700 12,845,400 22.3010 4,281,800 12,845,400 25,690,800 22.3010 Barbados 125,400 376,200 752,400 1.3062 250,800 752,400 1,504,800 1.306200 Belarus 140,059,400 420,178,200 840,356,400 1,458.9520 280,118,800 840,356,400 1,680,712,800 1458.9520 Belgium 78,800 236,400 472,800 0.8208 157,600 472,800 945,600 0.8208 Belize 95,200 285,600 571,200 0.9916 190,400 571,200 1,142,400 0.9916 Bermuda 145,000 435,000 870,000 1.5104 290,000 870,000 1,740,000 1.5104 Bolivia 240,400 721,200 1,442,400 2.5041 480,800 1,442,400 2,884,800 2.5041 Bosnia-Herzegovina 67,400 202,200 404,400 0.7020 134,800 404,400 808,800 0.7020 Botswana 254,300 762,900 1,525,800 2.6489 508,600 1,525,800 3,051,600 2.6489 Brazil 181,700 545,100 1,090,200 1.8927 545,100 1,635,300 3,270,600 2.8390 British Virgin Islands 96,000 288,000 576,000 1.0000 192,000 576,000 1,152,000 1.0000 Brunei 59,800 179,400 358,800 0.6229 179,400 538,200 1,076,400 0.9343 Bulgaria 61,000 183,000 366,000 0.6354 122,000 366,000 732,000 0.6354 Cambodia 74,884,900 224,654,700 449,309,400 780.0510 299,539,600 898,618,800 1,797,237,600 1560.1020 Canada 116,200 348,600 697,200 1.2104 232,400 697,200 1,394,400 1.2104 Cayman Islands 65,500 196,500 393,000 0.6822 131,000 393,000 786,000 0.6822 Channel Islands 66,600 199,800 399,600 0.6937 133,200 399,600 799,200 0.6937 Chile 31,824,000 95,472,000 190,944,000 331.5000 63,648,000 190,944,000 381,888,000 331.5000 Colombia 84,255,300 252,765,900 505,531,800 877.6593 168,510,600 505,531,800 1,011,063,600 877.6593 Costa Rica 26,812,000 80,436,000 160,872,000 279.2916 53,624,000 160,872,000 321,744,000 279.2916 Croatia 344,200 1,032,600 2,065,200 3.5854 688,400 2,065,200 4,130,400 3.5854 Curacao 72,400 217,200 434,400 0.7541 144,800 434,400 868,800 0.7541 Cyprus 40,400 121,200 242,400 0.4208 80,800 242,400 484,800 0.4208 Czech Republic 1,259,900 3,779,700 7,559,400 13.1239 2,519,800 7,559,400 15,118,800 13.1239 Denmark 699,100 2,097,300 4,194,600 7.2822 1,398,200 4,194,600 8,389,200 7.2822 Dominica 128,100 384,300 768,600 1.3343 256,200 768,600 1,537,200 1.3343 Dominican Republic 1,284,800 3,854,400 7,708,800 13.3833 2,569,600 7,708,800 15,417,600 13.3833 Ecuador 44,900 134,700 269,400 0.4677 89,800 269,400 538,800 0.4677 Egypt 138,100 414,300 828,600 1.4385 414,300 1,242,900 2,485,800 2.1578 El Salvador 46,400 139,200 278,400 0.4833 92,800 278,400 556,800 0.4833 Estonia 50,300 150,900 301,800 0.5239 100,600 301,800 603,600 0.5239 Fiji 76,000 228,000 456,000 0.7916 152,000 456,000 912,000 0.7916 France 78,600 235,800 471,600 0.8187 157,200 471,600 943,200 0.8187 Georgia 68,800 206,400 412,800 0.7166 137,600 412,800 825,600 0.7166 Germany 75,200 225,600 451,200 0.7833 150,400 451,200 902,400 0.7833 Ghana 60,400 181,200 362,400 0.6291 120,800 362,400 724,800 0.6291 Gibraltar 54,900 164,700 329,400 0.5718 109,800 329,400 658,800 0.5718 Greece 57,500 172,500 345,000 0.5989 115,000 345,000 690,000 0.5989 Grenada 170,700 512,100 1,024,200 1.7781 341,400 1,024,200 2,048,400 1.7781 Guatemala 340,000 1,020,000 2,040,000 3.5416 680,000 2,040,000 4,080,000 3.5416 Guyana 8,812,500 26,437,500 52,875,000 91.7968 17,625,000 52,875,000 105,750,000 91.7968 Honduras 875,800 2,627,400 5,254,800 9.1229 1,751,600 5,254,800 10,509,600 9.1229 Hong Kong SAR 528,300 1,584,900 3,169,800 5.5031 2,113,200 6,339,600 12,679,200 11.0062 Hungary 12,265,800 36,797,400 73,594,800 127.7687 24,531,600 73,594,800 147,189,600 127.7687 India 934,400 2,803,200 5,606,400 9.7333 3,737,600 11,212,800 22,425,600 19.4666 Indonesia 276,280,500 828,841,500 1,657,683,000 2,877.9218 552,561,000 1,657,683,000 3,315,366,000 2877.9218 Ireland 79,900 239,700 479,400 0.8322 159,800 479,400 958,800 0.8322 Isle of Man 66,600 199,800 399,600 0.6937 133,200 399,600 799,200 0.6937 Israel 340,500 1,021,500 2,043,000 3.5468 681,000 2,043,000 4,086,000 3.5468 Italy 71,400 214,200 428,400 0.7437 142,800 428,400 856,800 0.7437 Page 11 Global 1/4/2018

Country MDRT COT TOT Conv Factor MDRT COT TOT Conv Factor Jamaica West Indies 4,170,300 12,510,900 25,021,800 43.4406 8,340,600 25,021,800 50,043,600 43.4406 Japan 10,880,000 32,640,000 65,280,000 113.3333 32,640,000 97,920,000 195,840,000 170.0000 Jordan 23,200 69,600 139,200 0.2416 46,400 139,200 278,400 0.2416 Kazakhstan 5,097,900 15,293,700 30,587,400 53.1031 10,195,800 30,587,400 61,174,800 53.1031 Kenya 3,119,200 9,357,600 18,715,200 32.4916 6,238,400 18,715,200 37,430,400 32.4916 Kuwait 24,800 74,400 148,800 0.2583 49,600 148,800 297,600 0.2583 Latvia 34,300 102,900 205,800 0.3572 68,600 205,800 411,600 0.3572 Lebanon 112,330,600 336,991,800 673,983,600 1,170.1104 224,661,200 673,983,600 1,347,967,200 1170.1104 Lithuania 116,100 348,300 696,600 1.2093 232,200 696,600 1,393,200 1.2093 Luxembourg 85,600 256,800 513,600 0.8916 171,200 513,600 1,027,200 0.8916 Macau 386,900 1,160,700 2,321,400 4.0302 1,547,600 4,642,800 9,285,600 8.0604 Macedonia 1,760,100 5,280,300 10,560,600 18.3343 3,520,200 10,560,600 21,121,200 18.3343 Malaysia 145,400 436,200 872,400 1.5145 436,200 1,308,600 2,617,200 2.2718 Malta 25,300 75,900 151,800 0.2635 50,600 151,800 303,600 0.2635 Mauritius 1,464,600 4,393,800 8,787,600 15.2562 2,929,200 8,787,600 17,575,200 15.2562 Mexico 713,800 2,141,400 4,282,800 7.4354 1,427,600 4,282,800 8,565,600 7.4354 Montenegro 5,900 17,700 35,400 0.0614 11,800 35,400 70,800 0.0614 Montserrat 74,200 222,600 445,200 0.7729 148,400 445,200 890,400 0.7729 Mozambique 1,475,800 4,427,400 8,854,800 15.3729 2,951,600 8,854,800 17,709,600 15.3729 Namibia 431,400 1,294,200 2,588,400 4.4937 862,800 2,588,400 5,176,800 4.4937 Nepal 1,342,500 4,027,500 8,055,000 13.9843 4,027,500 12,082,500 24,165,000 20.9765 Netherlands 78,600 235,800 471,600 0.8187 157,200 471,600 943,200 0.8187 New Zealand 140,300 420,900 841,800 1.4614 280,600 841,800 1,683,600 1.4614 Nicaragua 948,800 2,846,400 5,692,800 9.8833 1,897,600 5,692,800 11,385,600 9.8833 Nigeria 5,660,300 16,980,900 33,961,800 58.9614 11,320,600 33,961,800 67,923,600 58.9614 Norway 838,700 2,516,100 5,032,200 8.7364 1,677,400 5,032,200 10,064,400 8.7364 Oman 16,600 49,800 99,600 0.1729 33,200 99,600 199,200 0.1729 P.R. China 201,900 605,700 1,211,400 2.1031 605,700 1,817,100 3,634,200 3.1546 Pakistan 1,676,700 5,030,100 10,060,200 17.4656 3,353,400 10,060,200 20,120,400 17.4656 Panama 49,600 148,800 297,600 0.5166 99,200 297,600 595,200 0.5166 Peru 138,100 414,300 828,600 1.4385 276,200 828,600 1,657,200 1.4385 Philippines 1,301,800 3,905,400 7,810,800 13.5604 2,603,600 7,810,800 15,621,600 13.5604 Poland 172,300 516,900 1,033,800 1.7947 344,600 1,033,800 2,067,600 1.7947 Portugal 58,100 174,300 348,600 0.6052 174,300 522,900 1,045,800 0.9078 Qatar 206,100 618,300 1,236,600 2.1468 412,200 1,236,600 2,473,200 2.1468 Republic of Korea 75,274,000 225,822,000 451,644,000 784.1041 188,185,000 564,555,000 1,129,110,000 980.1302 Romania 137,600 412,800 825,600 1.4333 275,200 825,600 1,651,200 1.4333 Russia 1,263,700 3,791,100 7,582,200 13.1635 3,159,302 9,477,905 18,955,810 16.4546 Saudi Arabia 240,400 721,200 1,442,400 2.5041 480,800 1,442,400 2,884,800 2.5041 Serbia 2,986,400 8,959,200 17,918,400 31.1083 5,972,800 17,918,400 35,836,800 31.1083 Singapore 115,800 347,400 694,800 1.2062 347,400 1,042,200 2,084,400 1.8093 Slovakia 50,800 152,400 304,800 0.5291 101,600 304,800 609,600 0.5291 Slovenia 64,400 193,200 386,400 0.6708 128,800 386,400 772,800 0.6708 South Africa 286,600 859,800 1,719,600 2.9854 573,200 1,719,600 3,439,200 2.9854 Spain 66,400 199,200 398,400 0.6916 132,800 398,400 796,800 0.6916 Sri Lanka 2,655,200 7,965,600 15,931,200 27.6583 5,310,400 15,931,200 31,862,400 27.6583 St Kitts and Nevis 165,400 496,200 992,400 1.7229 330,800 992,400 1,984,800 1.7229 St Lucia 171,000 513,000 1,026,000 1.7812 342,000 1,026,000 2,052,000 1.7812 St Maarten 72,400 217,200 434,400 0.7541 144,800 434,400 868,800 0.7541 St Vincent 158,500 475,500 951,000 1.6510 317,000 951,000 1,902,000 1.6510 Suriname 17,054,300 51,162,900 102,325,800 177.6489 34,108,600 102,325,800 204,651,600 177.6489 Sweden 877,700 2,633,100 5,266,200 9.1427 1,755,400 5,266,200 10,532,400 9.1427 Switzerland 123,500 370,500 741,000 1.2864 247,000 741,000 1,482,000 1.2864 Taiwan R.O.C. 1,739,900 5,219,700 10,439,400 18.1239 3,479,800 10,439,400 20,878,800 18.1239 Thailand 1,114,300 3,342,900 6,685,800 11.6072 2,228,600 6,685,800 13,371,600 11.6072 Tonga 127,800 383,400 766,800 1.3312 255,600 766,800 1,533,600 1.3312 Trinidad & Tobago 379,600 1,138,800 2,277,600 3.9541 759,200 2,277,600 4,555,200 3.9541 Turkey 77,800 233,400 466,800 0.8104 155,600 466,800 933,600 0.8104 Turks & Caicos 105,600 316,800 633,600 1.1000 211,200 633,600 1,267,200 1.1000 UK 60,700 182,100 364,200 0.6322 121,400 364,200 728,400 0.6322 Ukraine 220,100 660,300 1,320,600 2.2927 440,200 1,320,600 2,641,200 2.2927 United Arab Emirates 282,700 848,100 1,696,200 2.9447 565,400 1,696,200 3,392,400 2.9447 United States 96,000 288,000 576,000 1.0000 192,000 576,000 1,152,000 1.0000 Uruguay 1,205,900 3,617,700 7,235,400 12.5614 2,411,800 7,235,400 14,470,800 12.5614 Venezuela 109,726,600 329,179,800 658,359,600 1,142.9854 219,453,200 658,359,600 1,316,719,200 1142.9854 Vietnam 339,234,600 1,017,703,800 2,035,407,600 3,533.6937 678,469,200 2,035,407,600 4,070,815,200 3533.6937 Zambia 224,700 674,100 1,348,200 2.3406 449,400 1,348,200 2,696,400 2.3406 Zimbabwe 1,374,700 4,124,100 8,248,200 14.3197 2,749,400 8,248,200 16,496,400 14.3197 Page 12 Global 1/4/2018

INCOME PRODUCTION REQUIREMENTS FOR MEMBERSHIP IN THE 2019 MILLION DOLLAR ROUND TABLE Based on 2018 Production, Expressed in Local Currency Production credit must be reported in U.S. dollars on certifying Production requirements are set independently for each country. Conversion (Conv) factors have no relationship to currency exchange rates and are used only to standardize MDRT processing. (Local currency divided by the income conversion = U.S.MDRT requirement) Qualification under this method is based on a requirement of USD 166,000 in annual gross income from insurance and financial products. A minimum of USD 48,000 must be income from new business generated during the production year. Further, a minimum of USD 48,000 must be derived from income associated with Protection Products. (For a complete list of country requirements, see the MDRT website at https://www.mdrt.org/membership/requirements/.) Country MDRT Income COT Income TOT Income Income Conv Factor Angola 92,900 278,700 557,400 0.5596 Anguilla 184,200 552,600 1,105,200 1.1096 Antigua 277,800 833,400 1,666,800 1.6734 Argentina 384,400 1,153,200 2,306,400 2.3156 Armenia 28,546,400 85,639,200 171,278,400 171.9662 Aruba 209,300 627,900 1,255,800 1.2608 Australia 234,600 703,800 1,407,600 1.4132 Azerbaijan 42,000 126,000 252,000 0.2530 Bahamas 138,700 416,100 832,200 0.8355 Bahrain 39,800 119,400 238,800 0.2397 Bangladesh 3,703,800 11,111,400 22,222,800 22.3120 Barbados 216,900 650,700 1,301,400 1.3066 Belarus 242,302,800 726,908,400 1,453,816,800 1459.6554 Belgium 136,300 408,900 817,800 0.8210 Belize 164,700 494,100 988,200 0.9921 Bermuda 250,900 752,700 1,505,400 1.5114 Bolivia 415,900 1,247,700 2,495,400 2.5054 Bosnia-Herzegovina 116,600 349,800 699,600 0.7024 Botswana 439,900 1,319,700 2,639,400 2.6500 Brazil 314,300 942,900 1,885,800 1.8933 British Virgin Islands 166,100 498,300 996,600 1.0006 Brunei 103,500 310,500 621,000 0.6234 Bulgaria 105,500 316,500 633,000 0.6355 Cambodia 129,550,900 388,652,700 777,305,400 780.4271 Canada 201,000 603,000 1,206,000 1.2108 Cayman Islands 113,300 339,900 679,800 0.6825 Channel Islands 115,200 345,600 691,200 0.6939 Chile 55,055,500 165,166,500 330,333,000 331.6596 Colombia 145,761,700 437,285,100 874,570,200 878.0825 Costa Rica 46,384,800 139,154,400 278,308,800 279.4265 Croatia 595,500 1,786,500 3,573,000 3.5873 Curacao 125,300 375,900 751,800 0.7548 Cyprus 69,900 209,700 419,400 0.4210 Czech Republic 2,179,600 6,538,800 13,077,600 13.1301 Denmark 1,208,900 3,626,700 7,253,400 7.2825 Dominica 221,600 664,800 1,329,600 1.3349 Dominican Republic 2,222,700 6,668,100 13,336,200 13.3897 Ecuador 77,700 233,100 466,200 0.4680 Egypt 238,900 716,700 1,433,400 1.4391 El Salvador 80,300 240,900 481,800 0.4837 Estonia 87,000 261,000 522,000 0.5240 Fiji 131,500 394,500 789,000 0.7921 France 136,000 408,000 816,000 0.8192 Georgia 119,000 357,000 714,000 0.7168 Germany 130,100 390,300 780,600 0.7837 Ghana 104,500 313,500 627,000 0.6295 Gibraltar 95,000 285,000 570,000 0.5722 Greece 99,500 298,500 597,000 0.5993 Grenada 295,300 885,900 1,771,800 1.7789 Guatemala 588,200 1,764,600 3,529,200 3.5433 Guyana 15,245,600 45,736,800 91,473,600 91.8409 Honduras 1,515,100 4,545,300 9,090,600 9.1271 Hong Kong SAR 914,000 2,742,000 5,484,000 5.5060 Hungary 21,219,800 63,659,400 127,318,800 127.8301 India 1,616,500 4,849,500 9,699,000 9.7379 Indonesia 477,965,300 1,433,895,900 2,867,791,800 2879.3090 Ireland 138,200 414,600 829,200 0.8325 Isle of Man 115,200 345,600 691,200 0.6939 Israel 589,100 1,767,300 3,534,600 3.5487 Italy 123,500 370,500 741,000 0.7439 Jamaica West Indies 7,214,600 21,643,800 43,287,600 43.4614 Japan 18,822,400 56,467,200 112,934,400 113.3879 Page 13 Global 1/4/2018

Country MDRT Income COT Income TOT Income Income Conv Factor Jordan 40,100 120,300 240,600 0.2415 Kazakhstan 8,819,400 26,458,200 52,916,400 53.1289 Kenya 5,396,200 16,188,600 32,377,200 32.5072 Kuwait 42,900 128,700 257,400 0.2584 Latvia 59,300 177,900 355,800 0.3572 Lebanon 194,331,900 582,995,700 1,165,991,400 1170.6740 Lithuania 200,900 602,700 1,205,400 1.2102 Luxembourg 148,100 444,300 888,600 0.8921 Macau 669,300 2,007,900 4,015,800 4.0319 Macedonia 3,045,000 9,135,000 18,270,000 18.3433 Malaysia 251,500 754,500 1,509,000 1.5150 Malta 43,800 131,400 262,800 0.2638 Mauritius 2,533,800 7,601,400 15,202,800 15.2638 Mexico 1,234,900 3,704,700 7,409,400 7.4391 Montenegro 10,200 30,600 61,200 0.0614 Montserrat 128,400 385,200 770,400 0.7734 Mozambique 2,553,100 7,659,300 15,318,600 15.3801 Namibia 746,300 2,238,900 4,477,800 4.4957 Nepal 2,322,500 6,967,500 13,935,000 13.9909 Netherlands 136,000 408,000 816,000 0.8192 New Zealand 242,700 728,100 1,456,200 1.4620 Nicaragua 1,641,400 4,924,200 9,848,400 9.8879 Nigeria 9,792,300 29,376,900 58,753,800 58.9897 Norway 1,451,000 4,353,000 8,706,000 8.7409 Oman 28,700 86,100 172,200 0.1728 P.R. China 349,300 1,047,900 2,095,800 2.1042 Pakistan 2,900,700 8,702,100 17,404,200 17.4740 Panama 85,800 257,400 514,800 0.5168 Peru 238,900 716,700 1,433,400 1.4391 Philippines 2,252,100 6,756,300 13,512,600 13.5668 Poland 298,100 894,300 1,788,600 1.7957 Portugal 100,500 301,500 603,000 0.6054 Qatar 356,600 1,069,800 2,139,600 2.1481 Republic of Korea 130,224,000 390,672,000 781,344,000 784.4819 Romania 238,000 714,000 1,428,000 1.4337 Russia 2,186,200 6,558,600 13,117,200 13.1698 Saudi Arabia 415,900 1,247,700 2,495,400 2.5054 Serbia 5,166,500 15,499,500 30,999,000 31.1234 Singapore 200,300 600,900 1,201,800 1.2066 Slovakia 87,900 263,700 527,400 0.5295 Slovenia 111,400 334,200 668,400 0.6710 South Africa 495,800 1,487,400 2,974,800 2.9867 Spain 114,900 344,700 689,400 0.6921 Sri Lanka 4,593,500 13,780,500 27,561,000 27.6716 St Kitts and Nevis 286,100 858,300 1,716,600 1.7234 St Lucia 295,800 887,400 1,774,800 1.7819 St Maarten 125,300 375,900 751,800 0.7548 St Vincent 274,200 822,600 1,645,200 1.6518 Suriname 29,503,900 88,511,700 177,023,400 177.7343 Sweden 1,518,400 4,555,200 9,110,400 9.1469 Switzerland 213,700 641,100 1,282,200 1.2873 Taiwan R.O.C. 3,010,000 9,030,000 18,060,000 18.1325 Thailand 1,927,700 5,783,100 11,566,200 11.6126 Tonga 221,100 663,300 1,326,600 1.3319 Trinidad & Tobago 656,700 1,970,100 3,940,200 3.9560 Turkey 134,600 403,800 807,600 0.8108 Turks & Caicos 182,700 548,100 1,096,200 1.1006 UK 105,000 315,000 630,000 0.6325 Ukraine 380,800 1,142,400 2,284,800 2.2939 United Arab Emirates 489,100 1,467,300 2,934,600 2.9463 United States 166,000 498,000 996,000 1.0000 Uruguay 2,086,200 6,258,600 12,517,200 12.5674 Venezuela 189,827,000 569,481,000 1,138,962,000 1143.5361 Vietnam 586,875,900 1,760,627,700 3,521,255,400 3535.3969 Zambia 388,700 1,166,100 2,332,200 2.3415 Zimbabwe 2,378,200 7,134,600 14,269,200 14.3265 Page 14 Global 1/4/2018