GCG Capabilities and Bio

1. Capabilities Presentation Presented By: John Corbett Senior Employee Benefits Consultant 287846 03/2011

3. Specialists and Expertise Across Disciplines GCG experts keep current on financial products, tax laws, advanced concepts, and legislation that impacts our clients. Securities and Investment Advisory Services offered through Securian Financial Services, Inc., Member FINRA/SIPC . GCG Financial, Inc. and Securian Financial Services, Inc. operate under separate ownership. This information should not be considered as tax or legal advice. You should consult your tax and/ or legal advisor regarding your own situation.

4. GCG Clients The clients represented here are group benefits clients. They are not securities or investment advisory clients.

9. GCG’s Service Model We provide an outstanding service experience for each of our clients. Our advisors, specialists and support staff use GCG’s Service Model to assure that you receive independent expert advice backed by an ongoing plan of communication. Our dedicated teams are committed to your day-to-day needs, servicing your account effectively and successfully. 1. Goals. We will work together to discover the results that you would like to achieve. 2. Status. We gather the information necessary to understand your current plans, strategies and financial commitments. 3. Objectives. We quantify and prioritize each of the steps necessary to achieve your goals. 4. Recommendations. We develop and present a combination of ideas, products and services that are designed to meet your objectives. 5. Implementation. We work closely with you and, if appropriate, your other advisors to ensure successful execution of the recommendations. 6. Monitor and Review. We create a customized plan of communication that is designed to meet your information needs and assures that the implementation remains appropriate, effective and on target.

13. GCG’s Online Resource Tools

14. Custom Communications Our Benefit Education materials help you announce and explain how to use and get the most out of your company’s benefits plans and stay up to date on key issues.

16. John Corbett John joined the GCG Financial office in Denver, March of 2009 as a Senior Employee Benefits Consultant with over 13 years of industry experience. John is a licensed Life-Accident-Health agent whose focus is to drive the greatest value by discovering and negotiating the best insurance solutions matching his client's needs. Before coming to GCG, John founded Benelinx, Inc. a successful benefits brokerage firm in Colorado delivering insurance products to client groups of various sizes. As a former underwriter with CIGNA Healthcare, John brings his knowledge of risk management to his clients utilizing funding mechanisms in the Traditional Fully Insured, Minimum Premium and ASO environments. John, an Arizona native, obtained his Bachelor of Science Degree in Health & Human Services Administration from the University of Arizona while serving as an intern for the Arizona State Legislature's House of Representatives, Banking and Insurance Committee in 1996. Later, John obtained his Master's Degree in Business Administration from the Unviersity of Phoenix in 2003 while working with CIGNA Heatlhcare. Currently, John is a member of the Metro Denver Association of Health Underwriters, the Colorado Group Insurance Association, the Colorado Human Resource Association, Denver Metro Chamber of Commerce and South Denver Metro Chamber of Commerce. John is married to his wife Carri and lives in Denver, Colorado. John's greatest passion is giving back to his community. He has been a member of the Denver Active 20 30 Children's Foundation for over 7 years and has continued to play a leadership role within the organization including Christmas for Kids Chair, Denver Polo Classic Black Tie Chair, DA 20 30 Vice President and most recently the 2011 Schomp BMW Denver Polo Classic Chair. In 2010, John helped to raise over $900,000 to distribute to over 52 local children's charities for at risk youth.