1. Full Circle Financial OSJ Retreat 2016

2. Agenda Home Office Updates DOL & Annuities
2016 Business Builders Conference/The Elite Summit

3. Leading Advice, Planning & Wealth Management Solution
Positioning to Be an Industry Leader
Delivering a Superior & Differentiated Value Proposition
Leading Advice, Planning & Wealth Management Solution
Improved Client Experience
Knowledge & Expertise
Trusted Products & Solutions
Platform & Operational Expertise
Talent, Planning Resources, Advisor-Centric Technology, Training, Engagement & Execution Are Essential Enablers
3 | For Internal Use Only

4. Leadership Team – Over 175 Years of Experience
Chris Flint
President and CEO
21 Years of Experience
Libet Anderson
Director of Advisory and Planning
24 Years of Experience
Steve Youhn
Chief Compliance Officer
22 Years of Experience
Timothy Vardaman Managing Director of Operations
20 Years of Experience
Blaine Miller
Chief Supervision Officer
15 Years of Experience
Rory Hartley
Managing Director of Protective Securities
35 Years of Experience
Darren Guerrera
Chief Financial Officer
Chris Shaw Chief Information Officer
4 | For Internal Use Only

5. DOL Decision – Existing Accounts
Decision: ProEquities will use the Transition Period rules under the Best Interest Contract (BIC) Exemption
While “Grandfathering” offers limited exemption from rule requirements on accounts open prior to 4/10/17, it does not cover compensation received from advice relating to subsequent investments after 4/10/17
To comply, ProEquities will send a “negative consent” letter to existing accounts informing them about the fiduciary rule and the firm’s plan to comply with BIC exemption
8 | For Internal Use Only

6. DOL Decision – Brokerage Activity
Decision: ProEquities will operate under the Best Interest Contract (BIC) Exemption
Compliance Requirements:
Draft BIC Exemption contract and amendment
Draft “Impartial Conduct Standards” (“ICS”) and create advisor ICS training and compliance program
Review compensation practices to ensure investment recommendations will not result in the receipt of compensation that is in excess of “reasonable compensation”
Evaluate universe of products to ensure compliance with ICS
Create BIC Initial Disclosure Statement and forms for Transaction/Web disclosures
List is not all-inclusive
9 | For Internal Use Only

7. DOL Decision – Brokerage Activity?
Level Comp
BICE
Rev Share
BICE Lite Fee-Based FIA’s

8. DOL Decision – Brokerage Activity
Fee Based VA’s
Compensation Options
Carrier adjusted
B/D adjusted
Fixed Index Annuities

9. DOL - Compliance Officer
Decision: ProEquities will hire a Compliance Officer dedicated to DOL Compliance
The BIC Exemption requires financial institutions to designate an employee to “address Material Conflicts of Interest and monitor Advisers‘ adherence to the Impartial Conduct Standards.”
Recruiting for this position is in process.
11 | For Internal Use Only

10. DOL Project Roadmap 2016 2018 Q3 2016 Activity
Resource Allocation
Complete
Implementation - Phase 1 Complete
Implementation - Phase 2 Complete
4/10/2017
1/1/2018
DOL Compliance Strategy
Complete
Transition Period Begins
Transition Period Ends
4/10/2017
Planning
Complete
1/1/2018
62 days
2016
May
Aug
Oct
2017
May
Aug
Nov
2018
171 days
Today
190 days
Planning Phase
5/19/2016 – Q3 2016
Implementation Phase 1
Q /10/2017
Implementation Phase 2
4/11/ /1/2018
12 | For Internal Use Only

11. Comments, Questions & Answers
24 | For Internal Use Only

12. 2016 Business Builders October 24-26 in Charlotte, NC
The Westin Charlotte
Online registration opens September 12
Multiple tracks
20 | For Internal Use Only

13. The elite Summit April 26-30, 2017 Los Cabos, Mexico
Exclusive, premier properties inside and outside the United States
Smaller, more intimate settings
Focus on relaxation, comradery, and optional activities
Find qualification guidelines on Advisor Portal under Training and Education > Events and Conferences > The Elite
Summit > The Elite Summit 2017 Qualification Rules
April 26-30, 2017
Los Cabos, Mexico
21 | For Internal Use Only

14. Thank you, and we appreciate you!

15. Compliance & Supervision
Licensing & Registration
Branch Examinations
Regulatory Exams
Anti-Money Laundering
New Business Submissions
Marketing & Advertising
Correspondence
Transaction Review
14 | For Internal Use Only