1. The Revolution Striving to change what people think is possible. Revolutionizing an Industry 1

2. Our Two Great Passions 1. Help the consumer with our financial message 2. Help people build strong, enduring businesses that can provide a great quality of life 2

3. Our First Passion: Helping Families Financially in the Marketplace Under protected and living with too much debt Not saving, or if they are, not clearly understanding why, how much, or the ultimate goal Often just too busy and too distracted to stay on top of these things Don’t have a strategy, don’t make enough money, not sure what to do about it The Current Situation of Too Many Families: 3 3

4. The State of Our Industry 4 4 4 American Families: An underserved marketplace Business models of many financial companies are geared toward the more affluent Increasing need, not enough people to help

5. What We do for Families: We help people set goals and establish strategies to reach them Give a basic knowledge of the products that help these strategies work The foundation is simple and straightforward: Protection (Various Forms of Insurance) Debt Reduction/Elimination Short-Term Savings Long-Term Savings 5

6. A Different Way of Doing Business We believe in being respectful, not high pressure Our three step process: 1. No business is done on the first visit, build a relationship of trust, gather data/information 2. Input information into goal setting and projection software as needed, develop recommendations 3. Return with suitable strategies and solutions, complete paperwork and follow-up in all ways necessary 6

7. 12%Age 29 35 41 47 53 59 65 Money doubles every 6 years $10,000 $20,000 $40,000 $80,000 $160,000 $320,000 $640,000 $10,000 $20,000 $40,000 $80,000 29 41 53 65 6%Age Money doubles every 12 years 29 47 65 $10,000 $20,000 $40,000 Age4% Money doubles every 18 years The Rule of 72 You can determine what kind of savings plan works best for you and your budget by using The Rule of 72 1 – dividing 72 by the interest rate to estimate the number of years it takes for your money to double. 2 $10,000 $20,000 $40,000 $80,000 $160,000 29 38 47 56 65 8% Age Money doubles every 9 years 7 1.All figures are for illustrative purposes only and do not reflect an actual investment in any product. They do not reflect the performance risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performances. The Rule of 72 is a mathematical concept that approximates the number of years it would 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. Please note that high risk has been historically associated with high returns. 2.Tax and/or legal advice not offered by World Financial Group, Inc. or its affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

8. The Wealth Formula 3 When do we begin to become wealthy? The moment we decide it’s more important to save than it is to spend and we take action on our decision. Other than not saving at all, what is the next great obstacle to building wealth? Putting it off 8 1) 2) Income BorrowSpendDebt LT SavingsSavingsWEALTH IncomePOOR 3.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.

9. The High Cost of Procrastination An illustration 4 of the power of wasting time: Person A: Saves $5,000/yr in a Roth IRA for 40 years Person B: Saves $5,000/yr in a Roth IRA for 38 years Both : Earn a 10% average rate of return We might think the only difference is the $10,000 contribution for person B, but the loss is much more dramatic: Person A has:$2,212,963 Person B has:-$1,820,217 The Difference: $392,746 Person A has:$2,212,963 Person B has:-$1,820,217 The Difference: $392,746 9 4.All figures are for illustrative purposes only and do not reflect an actual investment in any product. They do not reflect the performance risks, expenses or charges associated with any actual investment. Past Performance is not an indication of future performance.

10. The High Cost of Procrastination 5 We just saw the two year loss is: $392,746 Per year the loss is:$196,373 Per month the loss is:$16,364 Per week the loss is:$4,091 Per day 6 the loss is:$818 Per hour 7 the loss is:$102 If you have a hole in your pocket, when do you sew it up? 5.All figures are for illustrative purposes only and do not reflect an actual investment in any product. They do not reflect the performance risks, expenses or charges associated with any actual investment. Past Performance is not an indication of future performance. 6.Assuming 20 working days per month 7.Assuming 8-hour workday 10

11. AEGON N.V. is an international life insurance, pension and investment group based in The Hague, The Netherlands. AEGON N.V. has businesses in more than 20 markets in the Americas, Europe and Asia. AEGON N.V. was ranked one of the worlds top companies in 2010 by Forbes in its annual ranking of the world’s biggest public companies. 8 an World Financial Group, Inc. company 8. Ranking issued April 21, 2010 based upon a composite score consisting of sales, after tax profits, market value and total assets.

12. Our Industry Support 12 We’re able to select quality products from these and other companies to help people reach their financial objectives. 9 9 9 10 WFG associates must be properly appointed, licensed and/or registered to do business with the above-listed companies. 9. Maintains current selling agreement(s) with World Financial Group Insurance Agency, Inc. (WFGIA). 10. Maintains current solicitation agreement(s) with Investment Advisors International, Inc. (IAI).

13. Our Second Passion 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 Good economic timing A clear management philosophy and a capacity to do what’s right long term 13

14. The Power of a Simple System Building big and building fast requires simplicity Uncomplicated: For ease of duplication and rapid repetition Proven and effective Mentoring from experienced leadership Look at business success stories around us 14

15. Ways People Earn Money Hourly/salaried employee Work for yourself 15 Ideally we want to : Get in business with others, increase our income, save and earn a rate of return Business owner with employees/associates Investor: Your money makes money

16. Become a Business Owner in Financial Services Personal Activity (Work for Yourself) Override a Team (Business Owner) Renewals and Trails Save and compound your money Leave a generational legacy for your family “ I would rather earn 1% off of 100 people’s efforts than 100% of my own efforts.” – Jean Paul Getty, American Industrialist Our Way 16

17. Building Income 17 11.Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools. 12.Commission amount may vary based on product type and size of purchase. 13.Please be aware that insurance products are sold by prospectuses, which contain more information about the product’s fees, charges and limitations. Be certain to perform a thorough review of the entire prospectus. Historical performance does not guarantee future investment results. 14.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 Jan, 1, 2007, WFG Associate contract level of 35%, Qualified Marketing Director contract level of 65%, Qualified Marketing Director override level of 30%. 15.Associates of World Financial Group are independent contractors, regardless of field title/designation. 16.Example assumes all Qualified Marketing Director’s team members are at the Associate level. *World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer life insurance and a broad array of financial products and services. Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries. WFG and WFGIA are affiliated companies.Headquarters: 11315 Johns Creek Parkway, Duluth, GA 30097-1517, PO Box 100035, Duluth, GA 30096-9403. Phone: 770.453.9300. WorldFinancialGroup.com **Many people have experienced different levels of success with World Financial Group. However, individual member experiences may vary. This statement is not intended, 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. Associate 14,15 (Helps four families per month) $2,755$33,060 The following example shows how helping one family results in $1,968 of commission paid to the field. 11,12 For this example, the commission amount is based on an average Indexed Universal Life (IUL) insurance policy 13 sale to a 40-year-old male who is contributing $200 per month to the IUL. Per MonthPer Year Qualified Marketing Director leading a five-person team 14,15,16 Only Qualified Marketing Director’s team members 16 help four families each per month $11,808$141,696 Qualified Marketing Director and each team member 16 helps four families per month $16,924$203,088 Qualified Marketing Director 14,15 (Helps four families per month) $5,116$61,392

18. Timing is Everything 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. World Financial Group is that company. An estimated 77 million people – born between 1946 and 1964 – are considered members of the Baby Boomer Generation. 17 17.About.com: Senior Living, Baby Boomers, October 2009. 18

19. The Power of Timing Our world has dramatically changed Part-time opportunity/extra income is in much greater demand People want more control of their careers and income This is an excellent time to offer a quality business opportunity Make the most of this era 19

20. Our Management Philosophy: Stand for Something from the Beginning Business strength, like personal strength, begins with strong core values  Honesty, integrity, trustworthiness, dependability, respect  A vital question, can you be trusted? What is the ultimate reflection of character  How we treat other people  Learn to speak the language of EPR Treat others in business how you would want to be treated Be a personal example of being wise with your money Be optimistic, always look for the best Never stop dreaming about how much better life can be 20

21. 21 We work hard and have fun. We believe in giving back. Be a part of a history making company. We work hard and have fun. We believe in giving back. Be a part of a history making company. In order to qualify for participation in contests, and to receive prizes and awards, an individual must have an active membership in and be in good standing with World Financial Group and its affiliated companies. Many people have experienced various levels of success with World Financial Group. However, individual experiences may vary. This statement is not intended to nor does it represent that any current individual's results are representative of what all participants achieve when following the World Financial Group system. Build a Business You Can Be Proud Of

22. 22 Build a Business You Can Be Proud Of We work hard and have fun. We believe in giving back. Be a part of a history making company. We work hard and have fun. We believe in giving back. Be a part of a history making company. In order to qualify for participation in contests, and to receive prizes and awards, an individual must have an active membership in and be in good standing with World Financial Group and its affiliated companies. Many people have experienced various levels of success with World Financial Group. However, individual experiences may vary. This statement is not intended to nor does it represent that any current individual's results are representative of what all participants achieve when following the World Financial Group system.

23. Primary Reasons People Join Us Those who join our company seem to fall into one of these four categories: Part-Time – Like their job, need extra income Part-Time – “Plan B” backup, need extra income Part-Time – Dissatisfied, like to make a change Full-Time – Want to make a career change now 23

24. Take a Serious Look Next Steps: Pick up a packet Sit down within the next 24-48 hours with one of our leaders for a follow-up interview to see what significance today’s presentation may have for you 24

25. 25 World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer life insurance and a broad array of financial products and services. Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries. Investment advisory services offered through Investment Advisors International (IAI). In Ohio, Texas and Alabama, services are provided under the name of IAI Advisors International, Inc. WFG, WFGIA and IAI are affiliated companies. Headquarters: 11315 Johns Creek Parkway, Duluth, GA 30097-1517, PO Box 100035, Duluth, GA 30096-9403. Phone: 770.453.9300. WorldFinancialGroup.com World Financial Group and the World Financial Group logo are registered trademarks of World Financial Group, Inc. and are used with permission. All other trademarks used with permission. 2327/10.09