2. Why Do We Need to Know More?  Nearly 90% of women will end up managing their finances alone 1  Among women older than 65, about 60% of them are divorced, widowed or never married 2  About 40% of women spend retirement alone 3  Approximately 4 in 10 marriages end in divorce 4 1. “Investing Wisely: What Women Need to Know,” by Kathleen Williams, April 24, 2011, http://www.womensmedia.com/money/274-investing-wisely-what-women-need-to-know.html. http://www.womensmedia.com/money/274-investing-wisely-what-women-need-to-know.html 2. “Take Charge of Your Own Security,” Kiplinger’s Personal Finance, February 2006. 3. “The Girl’s Guide to Retirement,” SmartMoney.com, Sept. 7, 2007; US Census, SSA. 4. www.divorcerate.org.www.divorcerate.org

3. Why Do We Need to Know More?  Each year the U.S. produces nearly 800,000 new widows 5  There are approximately some 11.3 million widows in the U.S., more than four times the number of widowers 5  About 75% of women are widowed at an average age of 56, and 1 in 4 of these women are broke within two months of being widowed 1 5. “True Love Means Planning Ahead,” by Robert Powell, Nov. 13, 2007, MarketWatch. 1. http://www.womensmedia.com/money/274-investing-wisely-what-women-need-to-know.html

4. Why Do We Need to Know More?  Of the 62 million salaried working women in the U.S., about less than half participate in a retirement plan 6  Women tend to invest more conservatively than men 6  In 2009, the average Social Security annual benefit received by women 65 and older was $12,155 compared to $15,620 for men 7  In 2006, for unmarried women including widows age 65 and older, Social Security comprised about 50% of their total income 7 6. “Women and Retirement Savings,” US Department of Labor, National Education Association. 7. “Social Security is Important to Women Fact Sheet,” www.ssa.gov/pressoffice/factsheets/women.htm.www.ssa.gov/pressoffice/factsheets/women.htm

5. Why Do We Need to Know More? Women have less retirement income than men: 8  A woman’s median Social Security income is approximately 70% of a man’s  Fewer women than men have pensions  Among those who work at or after age 65, women earn just about over one-half of what men earn  Women receive smaller income than men from assets, like interest and dividends “Millions of women are going to lose their standard of living unless they take hold of the situation.” 9 8. “Retirement Security: Women Face Challenges in Ensuring Financial Security in Retirement,” GAO Report to the Ranking Member, Special Committee on Aging, U.S. Senate, October 2007. 9. Cindy Hounsell, president, Women’s Institute for a Secure Retirement.

6. Why Do We Need to Know More? Approximately 87% of poverty- stricken elderly Americans are WOMEN 1 1. “Investing Wisely: What Women Need to Know,” by Kathleen Williams, April 24, 2011.

7. Why Do We Need to Know More? For women ages 18 – 64: 10 Approximately 1 in 3 has no wealth or negative wealth Have only about 36% as much wealth as men 10. Reuters: The Great Debate-Closing the wealth gap between men and women, http://blogs.reuters.com/great-debate/2010/01/28/closing-the-wealth-gap-between-men-and- women/.

8. To Sum It Up…  We make less money  We may experience interruptions or reductions in work history  We invest more conservatively  We save less for retirement  We have a lower net worth  We live longer  We rely more on Social Security

9. Basic Financial Concepts Managing Rate Of Return and Risk A one-time investment of $10,000 saved for 36 years. You can determine what kind of savings plan works best for you and your budget by using The Rule of 72 2 – dividing 72 by the interest rate to estimate the number of years it takes for your money to double. Age 4% Money doubles every 18 years 29 $10,000 47 $20,000 65 $40,000 Age 6% Money doubles every 12 years 29 $10,000 41 $20,000 53 $40,000 65 $80,000 Age 8% Money doubles every 9 years 29 $10,000 38 $20,000 47 $40,000 56 $80,000 65 $160,000 Age 12% Money doubles every 6 years 29 $10,000 35 $20,000 41 $40,000 47 $80,000 53 $160,000 59 $320,000 65 $640,000 All figures are for illustrative purposes only and do not reflect an actual investment in any product. Additionally, they do not reflect the performance risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performance. The Rule of 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.

10. Basic Financial Concepts Reduce the impact of taxes

11. Financial Fundamentals The Wealth Formula Money + Time +/- Interest - Inflation - Taxes Wealth This is a concept/goal developed by World Financial Group (WFG) for illustrative purposes only. In no way does this statement offer, guarantee or otherwise imply any financial gain or reward as a result of joining WFG. The term "wealth" is subjective and must be defined on an individual basis.

12. The Effect of Taxes and Inflation EXAMPLE 1: If you save…………….$100.00 at 3% Interest……….. + $3.00 Pay Tax at 25%............- $.75 (Combined Fed & State) Net After Tax………... $102.25 Inflation at 3.5%........ - $3.50 Impact……………………. $98.75 (Valuation after tax & inflation) EXAMPLE 1: If you save…………….$100.00 at 3% Interest……….. + $3.00 Pay Tax at 25%............- $.75 (Combined Fed & State) Net After Tax………... $102.25 Inflation at 3.5%........ - $3.50 Impact……………………. $98.75 (Valuation after tax & inflation) EXAMPLE 2: If you save…………….$100.00 at 5% Interest………... +$5.00 Pay Tax at 25%........... -$1.25 (Combined Fed & State) Net After Tax………... $103.75 Inflation at 3.5%......... -$3.50 Impact………………….. $100.25 (Valuation after tax & inflation) EXAMPLE 2: If you save…………….$100.00 at 5% Interest………... +$5.00 Pay Tax at 25%........... -$1.25 (Combined Fed & State) Net After Tax………... $103.75 Inflation at 3.5%......... -$3.50 Impact………………….. $100.25 (Valuation after tax & inflation) All figures are for illustrative purposes only and do not reflect an actual investment in any product. Additionally, they do not reflect the performance, risks, expenses or charges associated with any actual investment. Actual results may vary.

13. The Impact of Losses

14. Revolution Financial Management is positioned to help individuals and families make informed choices and take steps toward achieving financial independence. Financial Needs Analysis When investing, there are certain risks, fees and charges, and limitations that one must take into consideration. The suitability and needs analysis was created by World Financial Group. The analysis is based upon information obtained from sources believed to be reliable and accurate. However, 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. CASH FLOW Earn additional income Manage expenses EMERGENCY FUND Save three to six months’ income Prepare for emergency expenses ASSET ACCUMULATION Outpace inflation/minimize taxation Professional money management ESTATE PRESERVATION Reduce estate taxes Build a family legacy PROPER PROTECTION Protect against loss of income Protect family assets DEBT MANAGEMENT Consolidated debt Strive to eliminate debt FINANCIAL NEEDS ANALYSIS

15. Women Have the Power: Blazing a New Trail  Women are becoming the nation’s job-creation engine, starting new businesses and stimulating new jobs at a rate that outdistances their male counterparts 11  About 10.1 million firms are majority-owned by women 12  Women entrepreneurs generate nearly $3 trillion in revenues to the U.S. economy 13  About one in five firms with revenue of $1 million or more is women-owned 12 11. “Women-owned Businesses: America’s New Job Creation Engine,” Forbes.com, Jan. 12, 2010. 12. Center for Women’s Business Research: “Key Facts About Women-Owned Businesses, ”womensbusinesscenter.org, 2008-2009. 13. Center for Women’s Business Research: “The Economic Impact of Women-Owned Business in the United States,” October 2009.

16. Women Have the Power: Blazing a New Trail If U.S. - based women-owned businesses were their own country, they would have about the 5 th largest GDP in the world, trailing closely behind Germany, and ahead of countries including France, United Kingdom and Italy. 13 13. Center for Women’s Business Research: “The Economic Impact of Women-Owned Business in the United States,” October 2009.

17. More Women Advisors Needed  Based on a survey of women investors, they feel underserved by the financial services industry, with more than approximately 70% expressing dissatisfaction with the service they are getting 14  Between 70% and 80% of advisors are men, and many veterans have built their careers serving a mostly male clientele 15 14. “Leveling the Playing Field: Upgrading the Wealth Management Experience for Women,” The Boston Consulting Group, July 2010. 15. “Why Women Get a Raw Deal on Retirement,” Smart Money, Wall Street Journal, October 2010.

18. Welcome to Your Future “It’s never too late to be what you might have been.” - Famous female author George Eliot (Mary Anne Evans)

19. Helping people build strong, enduring businesses To create a quality opportunity, it is critical to have: Dramatic market need A simple, effective business system Powerful compensation Great timing Strong core values Our Second Passion

20. Building big and building fast requires simplicity No experience required Proven and effective Mentoring from experienced leadership Look at business success stories around us Our Second Passion

21. Become a Business Owner in Financial Services “I would rather earn 1% of 100 people’s efforts than 100% of my own efforts.” - J. Paul Getty, American Industrialist How We Do It: Personal Activity (Work for Yourself) Override a Team (Business Owner) Renewals and Trails (Residual Income) Save and compound your money Leave a generational legacy for your family Powerful Compensation

22. YOUR EARNING POTENTIAL An Excellent Income Opportunity The following example shows how helping a family results in a $2,808 commission paid to the field, with the commission based on an average policy sale to a 40-year-old person who is contributing $185 per month to the policy. Associate (Helps four families per month) Senior Marketing Director (Helps four families per month) Senior Marketing Director leading a five- person team Only Senior Marketing Director’s associates Help four families each per month Senior Marking Director and each member Of the organization help four families per month 9,10 9,10,11 11 Per Month Per Year $3,999$47,988 $7,188$86,256 $15,949 $191,388 $23,137$277,644

23. GREAT TIMING The Retirement Boom Has Arrived! Per Year Now, more than ever, the market is ripe for change – to be led by a visionary financial services company that is forward-looking and knows what consumers need and want before they know it themselves. Revolution Financial Management is that company. An estimated 77 million people – born between 1946 and 1964 – are considered members of the Baby Boomer Generation. BABY BOOMER LIFESPAN 1946 PRESENT Baby Food Toys Fast Food Cars Real Estate Retirement 12

24. Standing for something: Business strength, like personal strength, begins with strong core values. Honesty, integrity, trustworthiness, dependability, respect. A vital question: Can you be trusted? Be a personal example of being wise with your money. What is the ultimate reflection of character? How we treat people. Teamwork. “The greatest compliment you can receive in leadership is, ‘They taught me principles, that, when I applied them, my life improved.’” – Rich Thawley Core Values

25. FAITH, FAMILY, BUSINESS We want our associates’ families to be supported and involved in the business. It’s important to have teamwork both at home and at work. We believe that involving family helps create a more positive environment. Our associates are encouraged to always be positive and to never give up on their dreams.

26. SHARPENING THE SAW RECOGNIZING YOUR ACHIEVEMENTS

27. We work hard and have fun Be a part of a history-making company We believe in giving back A Business You Can Be Proud Of

28. REASONS TO GET STARTED Typically, people who are considering becoming an associate with our company look to do so: Part Time - Like their job, need extra income - “Plan B” backup, need extra income - Dissatisfied, want to make a change Full Time - Want to make a career change now

29. TAKE A SERIOUS LOOK  Who do you know that could benefit from our message?  Could this information help my family or me financially?  Am I interested by this opportunity?  In the next one to two days, meet with an associate for a follow-up meeting.  When you set an appointment with an associate, please keep it. Remember the three questions we started with: Next steps

30. “We need leaders with vision, to help people with dreams… together, we can make a difference!”

31. 1 This is a concept/goal developed by Revolution Financial Management (RFM), for illustrative purposes only. In no way does this statement offer, guarantee or otherwise imply any financial gain or reward as a result of joining WFG. The term "wealth" is subjective and must be defined on an individual basis. 2 All figures are for illustrative purposes only and do not reflect an actual investment in any product. Additionally, they do not reflect the performance risks, taxes, expenses or charges associated with any actual investment, which would lower performance. This illustration is not an indication or guarantee of future performance. Contributions are made at the end of the period. 3. Tax and/or legal advice is not offered by associates of Revolution Financial Management or by associates of World Financial Group, Inc. and its affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters. 4WFG associates must be properly appointed, licensed and/or securities registered to do business with the below-listed companies. 5 WRL, Transamerica Life Insurance Company, World Financial Group, Inc., World Financial Group Insurance Agency, Inc. and its subsidiaries are affiliated companies. 7 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools. 8 Commission amount may vary based on product type and size of purchase. This example is based on a Western Reserve Life Indexed Universal Life Insurance Policy. 9 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 World Financial Group authorized products and services. No income is earned for recruiting. See the current World Financial Group Field Manual for compensation percentages on all diversified product lines. All compensation plans subject to change. Promotional criteria/designations are determined and offered by or through World Financial Group. Personal percentages earned on products may vary based on promotional level with WFG. As of Feb. 1, 2011, WFG Associate contract level of 35.6%, Senior Marketing Director contract level of 64%,Senior Marketing Director override level of 28.4%. 10 Associates of World Financial Group are independent contractors, regardless of field title/ designation. 11 Example assumes all Senior Marketing Director’s team members are at the Associate level. 12 The raw data for the information on this slide can be found on http://www.census.gov/popest/data/national/totals/pre-- ‐ 1980/tables/popclockest.txt The raw data then was extracted and summed to produce these figures. Revolution Financial Management is a financial services marketing company that is associated with World Financial Group, Inc. 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). WFG and WFGIA are affiliated companies. Revolution Financial Management Headquarters: 28632 Roadside Dr. Suite 240, Agoura Hills, CA 91301. Phone: 818.879-9514. WFG and WFGIA Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097-1517. Phone: 770.453.9300. WorldFinancialGroup.com World Financial Group and the World Financial Group logo are trademarks of World Financial Group. For use in the United States only. Revolution Financial Management 28632 Roadside Drive Suite 240 Agoura Hills, CA 91301 Phone: 818-879-9514