POWER OF CHOICE Fixed Indexed Annuity Life Insurance

POWER OF CHOICE Fixed Indexed Annuity Life Insurance Long Term Care 2, 3 College Plans Indexed Universal Life 401(k) / IRA Rollovers Executive Bonus Plans And Much More… 2 Providers maintain current selling agreement (s) with World Financial Group Insurance Agency, Inc. (WFGIA) or its affiliated subsidiaries and/or Transamerica Financial Advisors, Inc. (TFA). Associates must be properly licensed and/or appointed to sell products from all providers listed. 3 Transamerica Premier Life Insurance Company, Transamerica Life Insurance Company, World Financial Group, Inc. , and World Financial Group Insurance Agency, Inc. and its subsidiaries are affiliated companies. The full names, city and state locations of these entities are: Transamerica Premier Life Insurance Company, Cedar Rapids, Iowa; Transamerica Life Insurance Company, Cedar Rapids, Iowa; Pacific Life Insurance Company, Newport Beach, California; Voya Insurance and Annuity Company, Des Moines, Iowa; Nationwide Life Insurance Company, Columbus, Ohio For internal use only. Not to be used with or distributed to the public.

3 RULES OF MONEY 1% 29 101 4 . 2 GROWTH TAX ADVANTAGE 3 SAFET Y COMPOUND INTEREST 5 RULE OF 72 1 PROTECTIO N The examples below show much you can earn over time with an investment of $10, 000 dollars at different rates of return starting at age 29. 72 years $10, 000 $20, 000 4% 29 47 65 18 years $10, 000 $20, 000 $40, 000 6% 29 41 53 65 12 years $10, 000 $20, 000 $40, 000 $80, 000 12% 29 35 41 47 53 59 65 6 years $10, 000 $20, 000 $40, 000 $80, 000 $160, 000 $320, 000 $640, 000 5 The Rule 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 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. All figures are for illustrative purposes only and do not reflect an actual investment in any product. For internal use only. Not to be used with or distributed to the public.

1 PROTECTIO N OPTIONS FOR YOUR MONEY 4 . 2 GROWTH TAX ADVANTAGE 3 SAFET Y THERE ARE VARIOUS WAYS TO INVEST YOUR MONEY. HERE, IN BROAD TERMS, ARE THREE OPTIONS: 6 FIXED VARIABLE INDEXED 7% 7% 6% 6% 5% 5% 5% 4% 4% 4% 3% 3% 3% 2% 2% 2% 1% 1% 1% 0% 0% 0% -1% -2% -3% -2% 13 2 4 56 78 91 01 1 12 13 -2% -3% HOW WOULD YOU LIKE YOUR MONEY TO GROW? 6 These graphs depict hypothetical scenarios and are not necessarily representative of how these investment types perform. For internal use only. Not to be used with or distributed to the public.

HOW 1 PROTECTIO N MONEY 4 . 2 GROWTH TAX ADVANTAGE GETS TAXED 7 3 SAFET Y REDUCE THE IMPACT OF TAXES 7 WHEN SAVING, YOU WANT TO BE SURE TO CONSIDER THE EFFECT THAT TAXES CAN HAVE ON YOUR INCOME. TAX NOW SAVINGS ACCOUNTS CERTIFICATES OF DEPOSIT (CDs) TAX LATER 401(K)s IRAs FIXED ANNUITIES SAVINGS BONDS TAX ADVANTAGED ROTH IRAs CASH ACCUMULATION IN AN INSURANCE POLICY 7 Tax and/or legal advice not offered by World Financial Group, Inc. , its affiliated companies nor its independent associates. Please consult with your personal tax professional or legal advisor further guidance on tax or legal matters. For internal use only. Not to be used with or distributed to the public.

401(k) / 403(b) / IRA QUALIFIED $$$ 59 1/2 72 RMD Up to 36% Up to 50% 10% CA PENALTY 3% Up to 49% IRS PENALTY Taxes and Penalties DEDUCTIONS $$$$$$ $$ $$ $ $ EXCISE TAX + TAXES For internal use only. Not to be used with or distributed to the public. TAXES

ROLLOVER (RETIREMENT INSURANCE) 401(k) 403(b) 457 IRA Indexed Growth IRA Control /Flexibility Possibility to Run Out PENSION No Control /Flexibility Never Run Out PENSION GUARANTEES RATE OF RETURN INDEXED STRATEGY PENSION LIKE *SIGNING BONUS* For internal use only. Not to be used with or distributed to the public. Fixed Indexed Annuity (Growth Focused Annuity) Control /Flexibility Never Run Out

INDEXED / UNIVERSAL LIFE CASH VALUE S&P 500 Protection Emergency Retirement College Savings DEATH BENEFIT Family / Estate I. U. L VS 401(k) + TERM No 59 ½ Rule No 72 RMD Rule No Losses No Taxes No Expiration 59 ½ Rule 72 RMD Rule Potential Losses Taxes Expiration For internal use only. Not to be used with or distributed to the public. 100% TAX FREE TERM 10 -20 -30 (90% EXPIRE) WHOLE LIFE 2 -3% UNIVERSAL LIFE 3 -4% I. U. L. 75%-15%

WFG FINANCIAL NEEDS ANALYSIS 1 CASH FLOW • • 2 EARN ADDITIONAL INCOME MANAGE EXPENSES EMERGENCY FUNDS • • PROTECTION 4 • • BUILDING WEALTH 5 SAVE 3 -6 MONTH INCOME PREPARE FOR UNEXPECTED EXPENSES • • 3 DEBT • • 6 CONSOLIDATE DEBT STRIVE TO ELIMINATE DEBT PROTECT AGAINST LOSS OF INCOME PROTECT FAMILY ASSETS STRIVE TO OUTPACE INFLATION & REDUCE TAXATION PROFESSIONAL MONEY MANAGEMENT PRESERVE WEALTH • • REDUCE TAXATION BUIDING A FAMILY LEGACY When investing, there are certain risks, fees and charges, and limitations that one must take into consideration. For internal use only. Not to be used with or distributed to the public.

REFERRAL AGENT PART-TIME TWIN CAREER FULL-TIME BROKER A 30% MD 50% SMD 85% ON AVERAGE $2, 000 ON AVERAGE $5, 000 $20, 000 + BONUSES For internal use only. Not to be used with or distributed to the public.

IUL (NEW MONEY) FIA (OLD MONEY) Protection Guarantees Emergency Rate of Return (10%) Retirement Plan Indexed Strategy College Plan Pension Like 4 LIFE Savings (12. 37%) 5% - 25% Bonus IUL Income FIA Income $1, 000 x 12 months $260, 000 (rollover) x 6% 12, 000 (points) x 85% SMD 15, 600 (points) X 69% SMD $10, 200 / month x 12 months $10, 764 / month X 12 months $122, 4000 / year $129, 168 / year $20, 964 / Month $251, 568 / Year For internal use only. Not to be used with or distributed to the public.