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2. WFG World Team Something to Believe In

3. We Need A Change! TIME FOR A CHANGE Financial Solutions for a Changing World There is a great need for a solution in the fast changing world to help families reach their goals for financial freedom. Times are uncertain. People are worried about their future. Consumers are hurting and more confused than ever. Higher debt, bankruptcy, poor savings, as well as job insecurity create a very stressful situation. The financial services industry, unfortunately, does not provide the answers.

4. Have Better Control. THE CURRENT INDUSTRY Debts Do you have any idea how much interest, fees and charges that you pay monthly to maintain this debt? Taking more and more money from your equity? Are you building more assets or more liabilities? HAVE YOU EVER EXPERIENCED ANY OF THE FOLLOWING... 1 Constantly living in debt? Mortgages offered through independent companies. WFG is not a mortgage broker or lender. 1 Being caught in an endless cycle of finance and refinance?

5. Don’t Gamble With Your Future! THE CURRENT INDUSTRY Investments / Savings Knowing why you save? Investing because someone told you to or because you knew how to do it. Getting your financial advice from an outside source? Sitting down with someone in the financial services industry to learn why and how to save and invest? HAVE YOU EVER EXPERIENCED ANY OF THE FOLLOWING... 2 Saving or investing at all? If so, what types of savings and investments did/ do you have? A magazine? TV show? Newspaper? In the U.S.: Securities offered through World Group Securities, Inc. (WGS or World Group Securities). Member NASD/SIPC. 2 In Canada.: Mutual funds and scholarship plans in Ontario are offered through WFG Securities of Canada Inc.

6. Protect Your Family. THE CURRENT INDUSTRY Insurance Not knowing if it provides proper protection for your family? Not knowing how long your policy will last? Not understanding your policies? Feeling that you didn’t get your money’s worth? HAVE YOU EVER EXPERIENCED ANY OF THE FOLLOWING... 3 Having an insurance policy without knowing what kind it is and how it works? In the U.S.: Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA). 3 In Canada.: Life Insurance and SEG funds offered through World Financial Group Insurance Agency of Canada, Inc.

7. Take Charge of Your Future. YOUR CURRENT SITUATION What is your current situation right now? Are you paid what you are worth? Are your children growing up and your parents growing old faster than you can provide for them? Do you feel your financial trap is affecting your family? Is life passing you by? Are you concerned about your job? Your career? Do you have problems paying your bills? Do you still have hope for a brighter day?

8. Build It Right. YOUR CURRENT SITUATION Imagine building a house without a blueprint. In addition, the mason, carpenter, plumber and electrician working on the house do not communicate with one another? Your retirement plan. Your children’s education. Paying off your house. Becoming debt free. Preparing for an emergency, loss of job or disaster. You need to have a financial services industry professional work with you to help determine the following financial solutions

9. Law of Decreasing Responsibility Wealth Law of Building Do you have any idea how money works THE FINANCIAL SOLUTION Most People Don’t Plan to Fail, They Just Fail To Plan. Most people know how to work for money, but don’t know how to make money work for them. THE X-CURVE GENERALLY LESS SECURE GENERALLY MORE SECURE YOUNGER OLDER Taking Care of Your Family Taking Care of Your Future This concept theorizes that a person’s responsibilities generally decrease and wealth generally increases over time.

10. Knowledge is Power. FINANCE 101 Building a Solid Financial Foundation 1. Understanding the fundamentals of: a) Investment b) Insurance c) Debt Management 2. Create and work toward a goal/plan 3. Implement your Financial Check-up

11. We Can Do It Together. THE SOLUTION COMPANY A Strong Relationship Work with you on a plan. Provide regular check-ups to help you reach your goals. Help you get into the financial services industry. Help train you in important aspects of financial services. Share valuable concepts and help you understand how money works. Help you with a new beginning towards financial independence. A. WE WANT TO BUILD A FINANCIAL RELATIONSHIP B. WE WANT TO BUILD A BUSINESS RELATIONSHIP Offer you the opportunity to build a big business in many cities and in different countries.

12. We are the WFG. We have been able to help thousands of associates take advantage of the WFG opportunity with a flexible time commitment and schedule. We have a proven system that helps you build a successful business. You are in business for yourself but not by yourself. We provide continuous training and support Earn income for today and build up income for tomorrow WE ARE WORLD FINANCIAL GROUP (WFG) WFG – A Member of the AEGON Group AEGON operated in many countries including Europe, Asia, U.S. and Canada. Our Goal is to become one of the largest financial services marketing companies in the U.S., Canada, and eventually, worldwide.

13. Innovation Meets Inspiration. OUR GOAL The New Industry We want to bulid 1 million business associates worldwide and revolutionize the financial service industry to solve the consumers financial dilemma of lack of understanding, planning and support. We want to restore trust back into the financial services industry by building a new industry where people can have confidence, belief and hope to plan for their future. Understanding Building Relationship

14. Financial Independence Is A Decision, Not A Dream. VISION OF A NEW INDUSTRY Next Steps Are you the right person for this New Industry? Complete a business review card. Make an appointment for more information.

15. We Can Make The Change! We Can Make A Difference!