2. 1 EXIT NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Custom GrowthCV sm Universal Life Insurance Designed for Cash Value Growth!

3. 2 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Disclosures These disclosures apply to this presentation in its entirety Custom GrowthCV is issued on policy form series LS166. Accelerated Benefit Endorsement is issued on form series LR352A, Accidental Death Benefit Rider is issued on form series LR370A, Children’s Term Rider is issued on form series LR372A, Chronic Illness Accelerated Benefit Rider (In Minnesota, Accelerated Benefit Rider for Continuous Confinement) is issued on form series LR450A, Guaranteed Insurability Rider is issued on form series LR373A, Waiver of Monthly Deductions Rider is issued on form series LR416A; or state variation by North American Company for Life and Health Insurance, Executive Office: Chicago, IL 60607. Products, features or riders, endorsements or issues ages may not be available in all jurisdictions. Limitations or restrictions may apply.

4. 3 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Focus Designed to provide long term cash value accumulation via all-pay, short-pay, or single-pay. Flexible Product features

5. 4 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Basics Minimum Face = $25,000 (including top class) Issue Age = 15days to 75 years (age last birthday) No charges or premium payments after age 100 Banded –$25,000 to $99,999 –$100,000 to $999,999 –$1,000,000+

6. 5 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Marketable Features Conditionally Guaranteed Interest Bonus –1% in years 11-20 –1.15% in years 21+ Net zero cost loan on full loan value (yrs 6+) Waiver of Surrender Charge option Table shaving option Conditionally Guaranteed Premium bonus years 11-15

7. 6 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Waiver of Surrender Charge Male, Age 55, Super Preferred NT, $250,000 death benefit, assumes 5% interest and current assumptions $20,000 lump sum and $5,000 premiums years 1-15 YearCash value without option Cash value with option Cash value percent change 1$14,013$23,578+68 5$35,058$42,608+22 10$66,982$70,443+5 20$161,066$150,732-6 30$279,209$256,972-8 Age 100$661,881$609,905-8 Target Premium$5,285$3,277 Waiver of Surrender Charge Option available for an additional charge of $.04 -.06 per $1,000 per month, depending on issue age.

8. 7 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Table Shaving Up to $5mil ages 0-75 Table ratings up to table 4 regardless of cause 50male, 5’10” 290 pounds = Standard! 65female, adult onset 10year insulin dependent diabetic good control = Standard! 65male, mild CAD, 1 vessel angioplasty 2 years ago = Standard! When a person applies for life insurance coverage, his or her health is evaluated and a corresponding underwriting rating is applied. This product’s table shaving features allow certain substandard underwriting rates (known as "table ratings") to be improved to a "standard" rating. A "standard" rating generally indicates average health and involves a lower life insurance premium than do substandard ratings.

9. 8 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Conditionally Guaranteed Premium Bonus Target premium $1,000 Paid premium: $800/yr Premium Years 1-10$800 Average Paid Premium (800 x 10/10) $800 Premium Bonus Cap (120% x $1,000) $1,200 Premium Bonus $800 is less than premium bonus cap $800 Credited to account value in years 11-15 20% x 800 $160 No Loans or Withdrawal can be taken

10. 9 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Interest rate rise in years 11-20 and 21+ The information presented is hypothetical and not intended to project investment results. Illustration is not complete unless all pages are included.

11. 10 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT More attractive features Chronic Illness Accelerated Benefit Rider Age last birthday Automatic Distribution Option Attractive target premiums with 2-year rolling targets Over loan protection benefit GPT or CVAT

12. 11 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Markets Business –Key Person –Buy Sell –Executive Bonus 1035 exchanges Juveniles Possible rated clients Retirement funding Annuity Max Excess Funding with cash value growth an objective Potential substandard risks

13. 12 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Retirement Supplement Tips and Considerations Typically solve for minimum DB and max income. Consider Waiver of Surrender Charge Option Consider Increasing or Level death benefit option Consider GPT or CVAT

14. 13 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Strong Targets Conditionally guaranteed Interest and Premium Bonuses Guaranteed surrender value Retirement Income stream The information presented is hypothetical and not intended to project investment results. Illustration is not complete unless all pages are included.

15. 14 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT OR…. More protection during working years Higher Targets Larger Conditionally guaranteed Premium Bonus Retirement Income stream The information presented is hypothetical and not intended to project investment results. Illustration is not complete unless all pages are included.

16. 15 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Annuity Maximization Transferring values in short time frame to life insurance Balanced goal of death benefit and access to cash value Consider funding with 5-pay SPIA (single premium immediate annuity) Remember Rapid Request!

17. 16 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Table 4 shaved to standard Leveraged death benefit Access to cash values Conditionally guaranteed Premium and Interest bonuses Chronic Illness Accelerated Benefit Rider The information presented is hypothetical and not intended to project investment results. Illustration is not complete unless all pages are included.

18. 17 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT When to use? For non-indexed UL cash value growth For over-funding, short funding, or lump sum cases When guaranteed death benefit not needed For possibly rated cases For early cash value For juveniles

19. 18 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT What next? Familiarize yourself with the product –Marketing Guide PR-1130 –@ A Glance PR-604 Update software and run some illustrations Discover sales opportunities Build the case GROW your sales!

20. 19 NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Click here to end EXIT Sales Support 800-800-3656, ext. 10411 salessupport@nacolah.com