1. An introduction to Aegon January 2013

2. 2 History ◄1900 Followed by years of international expansion Joint ventures & partnerships AEGON’S HISTORY dates back to the first half of the 19 th century in the U.K. and Providian in the U.S. in Hungary Állami Biztosító ASIA AEGON-CNOOC (2003), AEGON Religare (2008) and AEGON Sony Life (2009) EUROPE Partnerships with 5 Spanish savings banks and with La Mondiale in France Hungary springboard to further expansion in 5 other CEE countries AMERICAS Partnerships in Brazil and Mexico 19001980198320002012 Nationwide Towarzystwo Ubezpieczen na Zycie S.A. in Poland in 2005

3. 3 Aegon at a glance 25,000 EMPLOYEES 1 PENSIONS ASSET MANAGEMENT 47 million CUSTOMERS +20 markets THROUGHOUT THE AMERICAS, EUROPE AND ASIA Life insurance Revenues in 2011 EUR 29 billion Underlying earnings before tax in 2011 EUR 1.5 billion Revenue-generating investments EUR 463 billion 1 1) As per September 30, 2012

4. 4 AEGON’s international presence

5. 5 A clear purpose... We exist to help people take responsibility for their financial future

6. 6 Providing products and services across the customer’s life cycle Accumulation At & After Retirement Assets Age Working life Retirement Purchase of house Protection Customer need Product Channel ProtectionAccumulationAt & After Retirement  Protect property, wealth, family  Life; non life & health in selected markets  Agents, brokers, banks, direct/online  Financial confidence, long term ROI  Pensions, savings, investments  Brokers, consultants, salesforce, online  Money, health, family  Variable annuity, wealth transfer, LTC  Agents, brokers, banks, direct/online

7. 7 Our products and services have never been more needed Increasing longevity and aging populations Financial market volatility Reduced safety net from government, employers and family Demographic and economic uncertainties People need to take their own responsibility Need for financial guarantees Need for accumulation products Need for long-term protection Opportunity to help fulfill financial needs Providing peace of mind =

8. 8 We will become a leader in all our chosen markets

9. 9 Realizing ambition to become a leader in all our chosen markets  Highest customer loyalty score among relevant peers through: ► Excellent products and services ► Good market conduct ► Enabled & engaged employees with customer centric mindset Most recommended  Leader in our chosen markets ► Maintain strong positions in protection in established markets ► Grow accumulation and At & After Retirement in established markets ► Grow protection and accumulation in developing markets  Leadership in technology driven distribution  Risk & capital profile allowing Aegon to act counter cyclical  Trusted products and services  Responsible approach to investments  “Building better communities”

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