2

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.

4

1946 Present

Baby Boomer Lifespan

• More than 80 million people – born between 1946 and 1964 – are considered members of the Baby Boomer Generation.1 Generations X and Y –comprised of people born between 1965 and 1994 – make up 42% of the U.S. population.2

1 According to http://www.AARP.com, June 2004.

2 Michael Fleischner, “Marketing to Generation X and Y,” http://bigmarketing.wordpress.com/2007/01/30/marketing-to-generation-x-and-y/, Jan. 30, 2007.

Timing Is Everything

Toys Cars RetirementBaby Food Fast Food Real Estate

5

Building on Strength

– AEGON N.V. is one ofthe world’s leading life insurance and pension groups, and a provider of investment products.

– AEGON NV’s major operations are the United States, the Netherlands and the United Kingdom, and is present in a number of other countries including Canada, Hungary, Slovakia, Spain and Taiwan.

– AEGON N.V. was ranked one of the world’s top companies in 2009 by Forbes in its annual ranking of the world’s biggest and most powerful public companies.3

3 The Forbes Global 2000 is based on a composite measure of sales, market value, assets and profits. Market value as of February 28, 2007. Published March 29, 2007 on Forbes.com. 6

Who Are WE?

World Financial Group, Inc.Strategic Alliances to Serve Consumers

7

6 6

6 Maintains current selling agreement(s) with World Financial Group Insurance Agency, Inc. (WFGIA), and/or Transamerica Financial

Advisors 7

Who Are WE?

A company built with your family in mind that believes, with your help, we can achieve anything, including:

Our Vision:– To build the world’s best and largest

financial services marketing organization.

Our Mission:– To create financially independent families

positioned to realize their dreams.

Our System:– Powerful proven solutions for building

a successful business.

8

Who Are WE?

World Financial Group, Inc.

An Opportunity

A Movement

With Your Future in Mind

No Family Left Behind®

9

Our Passion:

World Financial Group is committed to

helping people make informed choices

toward overcoming today’s challenges of:

Staggering consumer debt– In 2008, studies show that as fewer Americans

were able to tap into their home equity, more of them turned to high interest credit cards to make ends meet. According to the U.S. Federal Reserve, total credit card debt in America reached $951.7 billion in 2008- up 8.2% from the year before- the highest amount ever recorded.4

4 Christian E. Weller, “Drowning in Debt,” Center of American Progress, May 2006.5 U.S. Department of Commerce, Bureau of Economic Analysis, Gross Domestic Product and

Corporate Outlays, Aug. 30, 2006. Domestic Product and Corporate Outlays, Aug. 30, 2006.

Helping People Move Forward

10

Poor savings habits– A survey prepared for the U.S.

National Foundation for Credit Counseling indicates while many Americans have spent less in 2009, due in large part to the economic downturn, that does not mean that they are saving more. Nearly a third of Americans have no savings outside retirement plans and one-third have not saved anything for retirement in past year.5

115 U.S. Department of Commerce, Bureau of Economic Analysis, Gross Domestic Product and

Corporate Outlays, Aug. 30, 2006. Domestic Product and Corporate Outlays, Aug. 30, 2006.

Helping People Move Forward

Our Passion:

Our Passion:

Alarming lack of educationabout financial fundamentals

– Only 42% of Americans surveyed by the National Foundation for Credit Counseling (NFCC) pay close attention to where their money goes average at best and only a few had attempted to enhance their understanding of how to manage their money.6

– The NFCC’s survey also found that less than a third of Americans know their credit scores. And although one free credit report is made available to them each year, 64% of Americans had not ordered their credit reports in the past year.6

6 Gregory Crawford and Vineeta Arnand, “Looming Pension Crisis Needs Creative Solutions,” Investment News, May 9, 2005.

7 Jack VanDerhei and John MacDonald, “Many Americans’ Retirement Hopes Are Filled with Holes,” 2006 Retirement Confidence Survey, Employee Benefit Research Institute, April 2006.

Helping People Move Forward

12

Our Passion:

8 Acording to the American Bankruptcy Institute based on data from the National Bankruptcy Research Center, http://www.abiworld.org/AM/Template.cfm?Section=/CM/ContentDisplay.cfm&CONTENTID=50271, January 3, 2008.

9 Jessica Bennett, “United We Owe: Plastic Predicament,” Newsweek, www.msnbc.msn.com, August 18, 2006.

Helping People Move Forward

Living dangerously above one’s means

– U.S. non-business bankruptcy filings for the 12-month period ending June 30, 2009 totaled more than 1.2 million nationwide, an increase of 34% from the same time last year.7 The sharp rise has been attributed to a heavy consumer debt load made worse by the home mortgage crisis.

13

Our Passion:

Insufficient insurance protection– Many U.S. households continue to be

underinsured with one third of American adults carrying no life insurance at all.8

– Only 41% of adult Americans have individual life insurance. Many rely on insurance provided by their employers, leaving many employees without coverage if they were to lose or change their jobs.9

9 Jessica Bennett, “United We Owe: Plastic Predicament,” Newsweek, www.msnbc.msn.com, August 18, 2006.

Helping People Move Forward

14

The WFG Financial Dream MapTM 10

10 The WFG Financial Dream Map™ is a suitability and needs analysis developed by World Financial Group. The analysis is based upon information obtained from sources believed to be reliable and accurate. However, discuss any legal, tax or financial matter with the appropriate professional. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any specific security or financial service.

15

Financial Concepts

Develop a clear picture of where you want to go.

Set Goals.

Design a program to outpace inflation and reduce taxation.

• Put the Rule of 7211 to Work for You

• You can determine what kind of savings plan works best for you and your

budget by using The Rule of 72 – dividing 72 by the interest rate to estimate

the number of years it takes for your money to double.

11All 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.

The High Cost of Waiting

17

40

35

30

25

20

15

10

5

$286.45/mo.

$13,609.73/mo.

$5,466.09/mo.

$2,889.85/mo.

$1,697.73/mo.

$1,051.50/mo.

$670.98/mo.

$435.94/mo.

Years Until Retirement Time can be your worst enemy or your greatest

ally. No matter where you are in life, the key to

building an asset accumulation program is to

begin saving now. The sooner you begin, the

less money you will need to put aside to create

solid savings for your future.

The following is an example of monthly

retirement savings required to reach a $1

million retirement goal with an interest rate of

8%, tax deferred.11

11 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.

A Solution:

The World Financial

Group Opportunity

Put Time On Your Side. Get Started Now.

17

WFG: An Uncommon Opportunity

Why People Don’t Take Action

Fear of failure

Loss of income stability

No proven system

or product

Lack of Capital

How WFG Helps You Get There

WFG helps you succeed by providing you

access to tools, training and mentoring from leaders who have made it in our business.

Start with WFG part-time and keep the security

of your existing job while starting your WFG

business.

WFG, through its affiliated companies, offers

financial services needed by all families and provides a business system for you to follow.

Get started with WFG for a minimal start-up

cost.18

Building Income through

World Financial Group offers an excellent income opportunity, whether you’re looking at the business as a twin career or a full-time commitment.The following example shows how helping one family results in a $2,808 commission paid to the field.12,13 For this example, the commission amount is based on an average Index Universal Life (IUL) Insurance Policy sale to a 40-year-old male who is contributing $185 per month to the IUL.

12 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools13 Commission amount may vary based on product type and size of purchase.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%, Senior Marketing Director contract level of 65%, Senior Marketing Director override level of 30%.

15 Associates of World Financial Group are independent contractors, regardless of field title/designation. Many people have experienced different levels of success with World Financial Group. However, individual member experiences may vary. This statement is not intended to, 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. Rresults are representative of what all participants achieve when following the World Financial Group system.

Per Month Per Year

Associate14,15

helps four families per month $3,999 $47,988

Senior Marketing Director14,15

helps four families per month $7,188 $86,256

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World Financial Group12

Building Income through

12 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools13 Commission amount may vary based on product type and size of purchase.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%, Senior Marketing Director contract level of 65%, Senior Marketing Director override level of 30%.

15 Associates of World Financial Group are independent contractors, regardless of field title/designation.16 Example assumes all Marketing Director’s team members are at the Associate level.

Many people have experienced different levels of success with World Financial Group. However, individual member experiences may vary. This statement is not intended to, 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. Results are representative of what all participants achieve when following the World Financial Group system.

World Financial Group offers an excellent income opportunity, whether you’re looking at the business as a twin career or a full-time commitment.The following example shows how helping one family results in a $2,808 commission paid to the field.12,13 For this example, the commission amount is based on an average Index Universal Life (IUL) Insurance Policy sale to a 40-year-old male who is contributing $185 per month to the IUL.

World Financial Group12

Per Month Per YearSenior Marketing Directorwith a five-person team14,15,16

Only Senior Marketing Director’s team members16 helps four families per month

Senior Marketing Director and each teammembers16 helps four families per month

$23,137 $277,644

$15,949 $191,388

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PeopleAll contests, awards and related promotional criteria, events and designations are offered by or through World Financial Group, Inc. (WFG) and/or Transamerica Financial Advisors. (TFA). In order to qualify, an individual must be a member in good standing of WFG and TFA, if applicable.

Many people have experienced various levels of success with World Financial Group. However, individual member experiences may vary. This statement is not intended to 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.

The WFG Environment allows ordinarypeople to achieve extraordinary things.

The WFG Environment allows ordinarypeople to achieve extraordinary things.

RewardsAll contests, awards and related promotional criteria, events and designations are offered by or through World Financial Group, Inc. (WFG) and/or Transamerica Financial Advisors (TFA). In order to qualify, an individual must be a member in good standing of WFG and TFA, if applicable.

Many people have experienced various levels of success with World Financial Group. However, individual member experiences may vary. This statement is not intended to 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.

The WFG Environment allows ordinarypeople to achieve extraordinary things.

RecognitionAll contests, awards and related promotional criteria, events and designations are offered by or through World Financial Group, Inc. (WFG) and/or Transamerica Financial Advisors (TFA). In order to qualify, an individual must be a member in good standing of WFG and TFA if applicable.

Many people have experienced various levels of success with World Financial Group. However, individual member experiences may vary. This statement is not intended to 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.

Consider Your Options

Option 1 –Client

– If you are satisfied with your career and discretionary income, consider becoming a client.

– Take advantage of WFG’s strategies to help move toward financial independence.

24

Consider Your Options

Option 2 –Self-employed/Twin Career

– Licensed, quality professionwith a great training program

– Earn supplemental incomethrough your personal effort

– Control your time and createa career on your terms

– Potential positive tax benefitsof self-employment

25

Consider Your Options

Option 3 –Business Owner

– Using our system, build a WFG business as big as your commitment and vision

– Take advantage of a variety of incentives, including:

• Renewals • Trails

• Bonus pools • Stock options17

• Entrepreneurial program

17 Eligibility/availability governed by governing plan documents. 26

27

Take the Next Step

World Financial Group –Helping You Move from Dreaming to Doing®

When You Act On It

Set up a follow-up interview in the next 24 to 48 hours.

A Good OpportunityOnly Becomes Great

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 Transamerica Financial Advisors. (TFA),

Member FINRA/SIPC.

Insurance products are offered through World Financial Group Insurance Agency, Inc.

(WFGIA) or its subsidiaries.

WFG, TFA, 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

©2007 World Financial Group, Inc. Printed in the USA 1751/3.08