1. WORLD FINANCIAL GROUP Helping People Have Better Financial Futures
For Use in Canada Only

3. Getting Started We will cover the following points:1
Who we are and what we do 2
Our company is expanding and looking for good people. 3
Referrals - Our business is referral based. If you know someone who would value this information, or be a good fit for our company, maybe you could send them our way. 3

4. STRENGTH: Our Parent Company
AEGON N.V. is one of the world’s leading life insurance and pension groups, and a provider of investment products.1
150 years of providing financial peace of mind.1
In Forbes annual ranking of the top Global companies in terms of assets, AEGON was at $502-billion, CIBC $351-billion,
Apple $262-billion, IBM $117-billion, Wal-Mart $204-billion.2
Atlanta
With AEGON’s size and support World Financial Group is expanding.
Langley
Based on Aegon’s corporate website
The Forbes Global 2000 is based on a composite measure of sales, market value, asset and profits. According to Forbes 2000 Global Companies 2015 rankings,
Soccer
We are... an AEGON company.
Toronto
Gore
Jones
Johnson

5. Who Are We? World Financial Group (WFG)
A financial services company that offers a wide variety of financial products and services.
We believe every family needs to understand how money works. We work with many of the largest and most respected companies. WFG helps families achieve financial independence. 5

6. The Financial Challenges
Savings
The Canadian savings rate is 3.6% of household disposable income, compared to 19.9% in 1982.
- The Globe and Mail, March 2015
51% of Canadian employees are living paycheck to paycheck.
- The Canadian Payroll Association, September 2014
Debt
The average Canadian adult has consumer debt of $21,164, excluding mortgages.
CBC News, September 2015
Canadian families are $1.8 trillion in debt, of that $519 billion is consumer debt on things like credit cards.
CBC News, June 2015
45% of Canadians do not have any individual life insurance coverage in place.
LIMRA International
Almost half of Canadian households admit they would either have immediate trouble meeting everyday living expenses, or only be able to cover expenses for a few months if a primary wage earner died.
Protection 6

7. Winning The Money Game Put the rule of 72 to work for you!
You can determine what kind of savings plan works best for you and your budget by using the The Rule of 72.3 Divide 72 by the interest rate to estimate the number of years it takes for your money to double.
Age 4% 6% 8%
Age 12%
money doubles every 18 years
money doubles every 12 years
money doubles every 9 years
money doubles every 6 years 29
$10,000
29 $10,000 47
$20,000 41 38
35 $20,000 65
$40,000 53
41 $40,000
$80,000 56
47 $80,000
$160,000
53 $160,000
59 $320,000
65 $640,000
Put the rule of 72 to work for you!
3 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 flucuates over time and, as a result, the actual time it will take to 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. 7

8. MORTGAGE INSURANCE: Not Always a Sure Thing
1. Group Policy
The lender can change or cancel at their discretion.
Personal Life Insurance
1. Individual Policy
You own it and the rates are guaranteed.
2. Bank is the Beneficiary
The benefit is paid directly to the lender.
2. You Choose the Beneficiary
Your family chooses what to do with the benefit.
3. Decreasing Payout
The amount of coverage decreases as you pay down your principle.
3. Fixed Payout
Your payout will not decrease.
4. Tied to Your Mortgage
If you re-finance or move you will likely have to requalify for insurance.
4. Separate From Mortgage
If you move or re-finance your coverage is not affected.
5. Post-Claim Underwriting Usually underwritten at time of claim.
Source:
5. Upfront Underwriting
You will know upfront if you are covered. 8

9. Analyzing Cashflow
Living Expenses
Out of our cashflow we pay for living expenses, taxes and debt. We are told to put away 10%, but how many people
are really doing that these days? 1
Taxes
Debt
Savings
We work to free up cashflow through mortgage referrals, debt management, and possible tax savings. We then calculate your Financial Independance Number (FIN#) and put together a plan to help you achieve it. 2
FREE UP CASHFLOW
As independent brokers we source out the best products to implement that plan. The best part is, the companies we use 3
pay us at no cost to the family. 4
4 Commission amount may vary on product type and size of purchase. Income is earned from sales of World Financial Group authorized products and services. No income is earned for recruiting. All compensation plans subject to change. Associates of World Financial Group are independant contractors regardless of field title / designation. 9

10. Basic Financial Concepts
HOME
RESPs
RRSPs
NON-REG
TFSA
INSURANCE
Protection Lower Cost Tax Shelter
gov’t grants
Get Working Harder
Contribution Limit
% Debt
Alternative
Full Tax
Half Tax
No Tax
No Tax
HOME RESPs RRSPs
We can refer people to mortgage specialists to possibly get a lower rate and consolidate debts. We help families save for their child’s education and get available grants from the government.
We look at different options to get them working harder. The benefit is you get a tax deduction upfront, but the downside is the full tax when you take the money out.
When set up properly, you can pay half the tax on the way out. In retirement, would you want to pay full tax or half tax?
This is an investment strategy people can use to build a tax free retirement.
We make sure a family is properly protected, and if they qualify, set up an Insured Retirement Plan.
NON-REG
TFSA INSURANCE
Do you think people are taking advantage of ALL of the concepts and strategies available?
What we can do at the end, is gather some information and put a plan together to show you how these concepts and strategies could work in your situation. Does that make sense? 10

11. The Opportunity Is there a need for what we do?
Based on what we have already covered, would you agree that almost everyone needs what we do?
Can I do this part time?
Yes, start with WFG part-time a few hours a week and keep the security of your existing job. 5
Does it require a lot of capital?
Get started for a minimal amount.
Can I do this?
WFG helps you succeed by providing access to tools, training and mentoring from successful people in our business. We teach you through hands-on training and also provide a business system for you to follow.
Can I make money?
Yes. There are a wide variety of people in WFG who have become financially successful. 6
Part-time program not available in all provinces.
Many people have experienced various levels of success with World Financial Group. However, individual member experience may vary. This statement is not intended to nor does it represent that any current member’s individual results are representative of what all participants achieve when following the World Financial Group system. 11

12. Compensation Package Agent 7,11 Broker 8, 12
Real Estate
Licensed Trained Sells homes
Recruits Trains
Provides office
World Financial Group
Licensed Trained Part-time
~ $1,000 / family9,10 Promotion
~ $1500/family
Agency Owner12
$ 2,000 / family10
x4 families / mth
$ 8,000
+ 5,000 overrides (5 x $1000)10,13
$ 13,000 / mth
In order to sell securities or insurance products, an associate must be qualified and licensed with WFG Securities of Canada Inc. and/or World Financial Group Insurance Agency of Canada Inc.
Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools.
Commission amount may vary based on product type and size of purchase. This example is based on a Transamerica Life Canada UL policy (PRFL1).
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 2015, WFG Associate contract level of 36%, Marketing Director contract level of 51%, Senior Marketing Director contract level of 66%, Senior Marketing Director override level of 30%.
Associates of World Financial Group are independent contractors, regardless of field title/designation. 12 Senior Marketing Director.
13 Example assumes all Senior Marketing Director’s team members are at the Associate level.
* Many people have experienced different levels of success with World Financial Group. However, individual member experiences may vary. This is not intended to, nor does it, represent that any current member’s individual results are representative of what all participants achieve when following the World Financial Group system. 12

13. Rewards & Recognition

14. Explore the Business/Career Opportunity
Consider Your Options 1
Financial Check-Up
Review your current financial situation (or get a second opinion)
Learn how our concepts and strategies can help you
Implement a plan to become financially independent
Explore the Business/Career Opportunity
Take a look at our part-time14 training program
Gain valuable financial knowledge
Earn additional income helping others
Control your time and work for yourself
Build a WFG business that supports the lifestyle you want 2 3
Both
Which area piques the most interest, the flnancial side, the business side or
both? Who comes to mind that needs to see what we do?
14 Part-time program not available in all provinces. 14

15. Financial independence
isn’t a dream,
it’s a decision. 15

16. World Financial Group Insurance Agency of Canada Inc
World Financial Group Insurance Agency of Canada Inc. offers life insurance and SEG funds. Mutual funds, and Scholarship Plans in select provinces, are offered through WFG Securities of Canada Inc. Headquarters: 3700 Steeles Avenue W., Suite 400, Vaughan, ON L4L 8K8. Phone: Fax:
For use in Canada only.
©2012 World Financial Group, Inc.
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