YOUR DREAMS,YOUR DREAMS, OUR STRATEGIES OUR STRATEGIES®®

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 2009 by Forbes in its annual ranking of the world’s biggest and most powerful public companies.6

World Financial Group, Inc.World Financial Group, Inc.an company

6 The Forbes Global 2000 is a comprehensive list of the world’s biggest and most powerful companies based on a composite measure of sales, profits, assets and market value. As of April 8, 2009 on Forbes.com.

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Our Industry SupportOur Industry Support

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WFG associates must be properly appointed, licensed and/or registered to do business with the above-listed companies.7 Maintains current selling agreement(s) with World Financial Group Insurance Agency, Inc. (WFGIA).8 Maintains current solicitation agreement(s) with Investment Advisors International, Inc. (IAI).

We’re able to select quality products from these and other companies to help people reach their financial objectives.

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7 Ms7 Ms

• Mission• Man Power• Management System• Methods and Means• Materials• Money• Measure of success

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MissionMission

Leave No Family Behind

•Too much liabilities and debt•Under protect our family (Life, Long Term Care)•Constant changing of jobs•Living a long time with out enough income

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MissionMission

Leave No Family Behind

•Social Security: Year 1945 Employee vs. Retiree: 41.9 to 1 Year 2008 Employee vs. Retiree: 3.1 to 1

•Pension Plan Oct 2007 to Jan 2009, Defined Contribution Plan lost over

$1,000,000,000,000 (1 trillion dollars)

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The Board of Trustees of the Federal OASDI Trust Funds, March 28, 2008David M. Kinchen, Januarty 11, 2009. Losses from 401(k) Plans Make Bernie Madoff Look Like a Piker

MissionMission

Leave No Family Behind

•Inheritance: 2006 AARP (American Association of Retired Persons) says

only 19% of people received some type of inheritance •Saving

77 says they like to save 63% do not save enough

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John Gist and Carlos Figueiredo. May, 2006. In Their Dreams: What Will Boomers Inherit? Data Digest, AARP Pubic Policy InstitutePew Research Center. Januarty 24, 2007. We Try Hard. We Fail Short. Americans Assess Their Saving Habits.

MissionMission

Team F. I. R. S. T

Faith, Family, Friends, Finance, Fitness Integrity

ResponsibilitySelflessnessTrustworthy

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Man Power Man Power

Qualified the market (8 pointer)

•25 years old + •Married•Children•Homeowner

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• Good income• Dissatisfied• Ambitious • Business Minded

Man Power Man Power

Type of Personality

•S: Structural•T: Technical•A: Action•R: Relationship

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Management SystemManagement System

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Methods and MeansMethods and Means

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Field Training is the CORE of the business

Recruiting is the KEY to the business

MaterialsMaterials

• Presentation folder• Opportunity booklet• Transamerica Zack Jonson sheet• Merrill Lynch sheet• Sony Life sheet• Affiliated product provider• 84 years of market history • White paper with 2 pens

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MaterialsMaterials

• Material distribution online: 1) Wfg-online.com 2) Business Center 3) Distribution Center

• Material distribution in class: Trainings in class on Wednesday and Saturday Training in Convention of Champions in Las Vegas

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MoneyMoney

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9 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools.10 Commission amount may vary based on product type and size of purchase.11 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.12 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 2011, WFG Associate contract level of 35%, Senior Marketing Director contract level of 65%, Senior Marketing Director override level of 30%.

13 Associates of World Financial Group are independent contractors, regardless of field title/designation.14 Example assumes all Senior 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. Securities are offered through World Group

Securities, Inc. (WGS), Member FINRA/SIPC. Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries. WFG, WGS, 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.

Associate12,13

(Helps four families per month) $3,999 $47,988

The following example shows how helping one family results in $1,968 of commission paid to the field.9.10 For this example, the commission amount is based on an average Indexed Universal Life (IUL) insurance policy11 sale to a 40-year-old male who is contributing $200 per month to the IUL.

Per Month Per Year

Senior Marketing Director leading a five-person team12,13,14

• Only Senior Marketing Director’s team members14

help four families each per month $15,949 $191,388• Senior Marketing Director and each team member14

helps four families per month $23,137 $277,641

Senior Marketing Director12,13

(Helps four families per month) $7,188 $86,256

MoneyMoney

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TA35%

A45%

MD62%

SMD81%

3/3/30 5 Licensed Agents

Promote 1 Associates 1 Associates 1 Associates 40,000 Points in 3 mo.

i.e. ~15 team clients

10 Licensed Agents

Promote 1 Market Director 1 Associate 1 Associate

75,000 Points in 3 mo. i.e. ~30 team clients

MoneyMoney

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

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MoneyMoney

Timing is Everything

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15 About.com: Senior Living, Baby Boomers, October 2009.

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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 tonor 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 Build a Business You Can Be Proud OfProud Of

We work hard and have fun. We work hard and have fun. We believe in giving back.We believe in giving back.

Be a part of a history making company.Be a part of a history making company.

We work hard and have fun. We work hard and have fun. We believe in giving back.We believe in giving back.

Be a part of a history making company.Be a part of a history making company.

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We work hard and have fun. We work hard and have fun. We believe in giving back.We believe in giving back.

Be a part of a history making company.Be a part of a history making company.

We work hard and have fun. We work hard and have fun. We believe in giving back.We believe in giving back.

Be a part of a history making company.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 tonor 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 Build a Business You Can Be Proud OfProud Of

Measure of SuccessMeasure of Success

• Dan Charlier• Penney Ooi• Rich Thawley• Harinder Sukhija: Show income picture• Jaime Villalovos

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Measure of SuccessMeasure of Success

• 1st Step Start field training + Attend class training• 2nd Step Complete 3/3/30• 3rd Step Complete 52 hrs online class• 4th Step Complete your license test• 5th Step Let the pay check roll!

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