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World Financial Group:Who We AreWorld Financial Group:Who We AreAt World Financial Group of Canada* (WFG or World Financial Group)

you have the opportunity to:• Be in business for yourself but not by yourself.

• Represent hundreds of companies, not just one to the consumer.

• Learn from a leadership team with vast experience in the financial services industry.* World Financial Group is made up of World Financial Group Insurance Agency of Canada Inc., WFG Securities of Canada Inc., and World Financial Group, Inc.

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World Financial Group:Who We AreWorld Financial Group:Who We AreMade up of thousands of associates in Canada and the United States.• Helps middle income families and people

from all walks of life move toward financial independence.

• Has an exclusive broker-dealer, WFG Securities of Canada Inc.Works with more than40 fund companies and has more than 55,000 client accounts (securities and segregated fund clients).

4* 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. Published April 12, 2008 on Forbes.com.

WFG – A Member of the AEGON Group

WFG – A Member of the AEGON GroupWho is AEGON N.V.? • One of the world’s leading

life insurance and pension groups, and a provider of investment products.

• A company with major operations in the United States, the Netherlands and the United Kingdom. In addition, it is present in a number of other countries, including Canada, Hungary, Slovakia, Spain and Taiwan.

• Ranked one of the world’s top companies in 2008 by Forbes in its annual ranking of the world’s biggest and most powerful public companies.*

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What isWFG?What isWFG?Some traditional marketing approaches:

• Direct Marketing: Try to cold sell to people you don’t know.

• Retail Marketing:Draws people into location.

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What isWFG?What isWFG?WFG is a marketing company using relationship marketing principles.• Relationship Marketing:

Work with a system and warm market that refers you to other potential clients and/or associates.

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What Makes WFG Unique?What Makes WFG Unique?• A proven, duplicable business system

• Serving the under-served middle class

• Training provided free of charge or at low cost

• Leadership and promotions based on merit

• In the business of building people and helping families

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Why is WFGa Great Business Opportunity?

Why is WFGa Great Business Opportunity?• WFG’s business

model/system works.

• Innovative target market

• Minimal advertising and initial overhead expenses

• Twin-career approach*

• AEGON

* Part-time association is not allowed in some provinces.

What we doWhat We Do

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WhatWe DoWhatWe DoThe WFG Mission:• To help families achieve

financial independence.

How WFG Achieves its Mission:• Challenging people to

change their habits of spending and save/invest more.

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Following theScript of LifeFollowing theScript of LifeIf we track the life of average educated people, the financial script often goes like this:

The child goes to school, graduates, finds a job and soon has some money to spend. The young adult now can afford to rent an apartment, buy a TV set, new clothes, some furniture and, of course, a car. And now the bills begin to come in.

One day, the adult meets someone special, sparks fly, they fall in love and get married. For a while, life is blissful because two can live as cheaply as one. They now have two incomes, only one rent to pay, and they can afford to set a few dollars aside to buy the dream of all young couples, their own home.

They find their dream home, pull the money from savings and use it for a down payment on the house, and they now have a mortgage. Because they have a new house, they need new furnishings, so they find a furniture store that advertises those magic words, “No money down, easy monthly payments.”

From The CASHFLOW Quadrant, Robert T. Kiyosaki and Sharon Lechter, April 2000.

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Following theScript of Life (continued…)

Following theScript of Life (continued…)

Life is wonderful, and they throw a party to have all their friends over to see their new house, new car, new furniture and new toys. They are now deeply in debt for the rest of their lives. Then, the first child arrives.

The average, well-educated, hard-working couple, after drop-ping the child off at nursery school, must now put their nose to the grindstone and go to work. They become trapped by the need for job security simply because, on average, they are less than three months months away from financial bankruptcy.

From these people, you often hear,“I can’t afford to quit. I have bills to pay,” or a modification from a song from Snow White and the Seven Dwarfs, “I owe, I owe, so it’s off to work I go.”

From The CASHFLOW Quadrant, Robert T. Kiyosaki and Sharon Lechter, April 2000.

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• Have no plans for achieving goals

• Don’t understand how money works

• Earn low rates of return

• Pay too much tax

• Work for somebody else

• Live paycheck to paycheck

• Spend, not save their money

• Live on the edge

• Are caught in a high-interest debt trap

• Retire in poverty

• Plan for the future

• Put their money to work for them

• Consult a financial profess-ional about their money

• Save on taxes

• Own their own businesses

• Live a comfortable lifestyle

• Save their money

• Have an emergency fund

• Live debt-free

• Live their dreams

Most People:

A Fact of Life:How We Spend Our Money Matters

A Fact of Life:How We Spend Our Money Matters

Not Enough People:

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Developing a Financial StrategyDeveloping a Financial StrategyDeveloping a consistent, long-term financial strategy is important.

Here are three financial concepts WFG uses to help people move from dreaming to doing™:• The Law of Building Equity

• The Rule of 72

• Dollar Cost Averaging

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TheLaw of Building Equity

TheLaw of Building EquityA concept that theorizes a person’s responsibilities generally decrease and wealth generally increases over time.

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Rule of 72:How Compound Interest Works

Rule of 72:How Compound Interest WorksObjective:To help determine how many years it would take to double initial savings or investments, dividing 72 by the interest rate.

Goal:To outpace inflation and reduce taxation.

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Dollar CostAveragingDollar CostAveraging

* The investor outcome is a hypothetical example for illustrative purposes only and does not reflect the actual investment in any product. Therefore, the outcome does not reflect risks, expenses or charges associated with any actual investment.

Objective:A strategy to systematically purchase shares of a securities product to help offset investment risk in a fluctuating market.

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©2008 Morningstar, Inc. All rights reserved. Used with permission. Note: This chart does not reflect past or future performance of any specific product. The graph illustrates the hypothetical growth of a $1 investment in five asset classes, as well as inflation. (Data: January 1940 – Deccember 2007) This chart is for illustrative purposes only and is not indicative of any investment. The data assumes reinvestment of all income and does not account for taxes or transaction costs. The average return represents a compound annual return. Government bonds and Treasury bills are guaranteed by the full faith and credit of the Canadian government as to the timely payment of principal and interest, while stocks are not guaranteed and have been more volatile than the other asset classes. International investments involve special risks such as fluctuations in currency, foreign taxation, economic and political risks, and differences in accounting and financial standards. U.S. large stocks are represented by the Standard & Poor’s 500®, which is an unmanaged group of securities and considered to be representative of the stock market in general and U.S. small stocks are represented by the fifth capitalization quintile of stocks on the NYSE for 1940–1981 and the performance of the Dimensional Fund Advisors, Inc. (DFA) U.S. Micro Cap Portfolio thereafter. Canadian stocks are represented by a Morningstar-calculated total return series extrapolated from the S&P/TSX Composite Index capital appreciation series through January 1956 and the S&P/TSX Composite Index total return series thereafter. Canadian bonds are represented by a Morningstar-calculated total return series for 10+ year Bank of Canada bond yield until August 1976, the Scotia Capital 10+ year governent bond until December 2006 and the Citigroup Canada 10+ year government bond thereafter, Treasury bills by a Morningstar-calculated total return series for 90-day Bank of Canada Treasury bill yield until January 1953 and the TSX DEX 91-day Treasury bill thereafter, and Canadian inflation by the Consumer Price Index from Statistics Canada. An investment cannot be made directly in an index. All values presented herein are in Canadian dollars.

HYPOTHETICAL VALUE OF $1 INVESTED AT YEAR-END 1929

Historical Performance ofInvestment Markets

Historical Performance ofInvestment MarketsCanadian Market Perspective: 1929 - 2007

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InvestmentFundamentalsInvestmentFundamentalsApply the Rulesfor Investing:• Invest consistently.

• Diversify/spread out the risk in your portfolio.

• Invest long term.

HOW WE DO IT

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TheBusiness Format System

TheBusiness Format System“To build a big team, you need to have a system.”

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TheBusiness PipelineTheBusiness Pipeline

Lifestyle11Make Contact• Schedule appointments• Unscheduled drop-bys

2 Corporate Overview• Disturb & Intrigue

4 AMA6 AssociateField TrainingProgram

7 Sales

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Prospecting/Referrals• Your 100 name

list• Top 25 list from

associates• 10 referrals from

each client

1 Invitation or

Presentation

• Schedule appointments

• Unscheduled drop-bys

3 CashFlow

10QMDInterview• Membership agreement• Top 25 Prospect List• Personal financial review• Top three invited to next meeting

5 Licensed & RegisteredAssociates

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TheBusiness PipelineTheBusiness PipelineFundamentals of the System:• Target Market List

• Associate Field Training

• Big Events

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What isa Target Market List?

What isa Target Market List?According to The Business Format System training manual, the Prospect List is a list of people who may or may not join you. The Prospect List is where it all begins. The secret of a jumpstart lies in the Prospect List.

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The Psychology BehindThe Prospect ListThe Psychology BehindThe Prospect ListWhen developing a Prospect List, focus your attention on:• Gaining spousal support.

• Meeting with clients and spouses in their home, instead of the office.

• Gathering as many names as possible, of at least 100 people to start, then qualify the Top 25 prospects.

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Qualifying YourProspect ListQualifying YourProspect List1. 25+ years old

2. Married

3. Dependent children

4. Homeowner

5. Solid business/career background

6. $40,000+ household income

7. Dissatisfied with theircurrent situation

8. Entrepreneurial minded

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Field Training helps get a new associate off to a fast start and spurs duplication. When a new associate is trained properly, that person will duplicate what you do.

Field Training helps new associates become:• Field friendly from the outset

• Knowledgeable about the WFGOpportunity immediately

• Confident about field work once theyare licensed and registered

• Ready to produce by learning and observing presentations during the Field Training Program*

Fast Startwith Field TrainingFast Startwith Field Training

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“BFS Builder”The Business Pipeline Builder

“BFS Builder”The Business Pipeline BuilderMindset Behind the Business Pipeline• Recruiting Mentality

Prospecting• Builder’s MindsetBusiness Pipeline

• Meeting MentalityDirector of Motivation

• Leading by ExampleManage Activities/Focus on Results

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How to GetLicensedHow to GetLicensedFirst Priority:• Register for LLQP

• Take insurance licensing and securities registration exams while building your team.

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What it Means to be a“BFS Builder”What it Means to be a“BFS Builder”Purpose: To make a difference for families.Goal: To have a Builder’s mindset.

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The “BFS”Mindset & TrainingThe “BFS”Mindset & Training• Ultimate Goal:

Become the leader of thousands

• Be part of a winning team by building bigger together

• The bigger you are the more coachable you should be

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The “BFS”BuilderThe “BFS”BuilderLast but not least, to become a BFS Builder, you need:• An excellent understanding of

The Business Pipeline.Lifestyle11Make Contact

• Schedule appointments• Unscheduled drop-bys

2 Corporate Overview• Disturb & Intrigue

4 AMA6 AssociateField TrainingProgram

7 Sales9

Prospecting/Referrals• Your 100 name list• Top 25 list from

associates• 10 referrals from

each client

1 QMDInterview• Membership agreement• Top 25 Prospect List• Personal financial review• Top three invited to next meeting

5Invitation or

Presentation• Schedule

appointments• Unscheduled

drop-bys

3 CashFlow

10Licensed & RegisteredAssociates

8

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The following example shows how helping one family results in $1,613 of commission paid to the field.1,2 For this example, the commission amount is based on an average Indexed Universal Life (IUL) insurance policy3 sale to a 40-year-old male who is contributing $160 per month to the IUL.

Per MonthPer YearAssociate4,5

(Helps four families per month) $2,258$27,096

Qualified Marketing Director4,5

(Helps four families per month) $4,193$50,316

Per MonthPer YearAssociate4,5

(Helps four families per month) $2,258$27,096

Qualified Marketing Director4,5

(Helps four families per month) $4,193$50,3161 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools.2 Commission amount may vary based on product type and size of purchase.3 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.

4 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%, Qualified Marketing Director contract level of 65%, Qualified Marketing Director override level of 30%.

5 Associates of World Financial Group are independent contractors, regardless of field title/designation.

WFGCompensationWFGCompensation

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The following example shows how helping one family results in $1,613 of commission paid to the field.1,2 For this example, the commission amount is based on an average Indexed Universal Life (IUL) insurance policy3 sale to a 40-year-old male who is contributing $160 per month to the IUL.

Qualified Marketing Director with a five-person team4,5,6

Per MonthPer Year

Only Qualified Marketing Director’s team members5

(Helps four families per month) $9,678$116,136Qualified Marketing Director and each team member5

(Helps four families per month) $13,871$166,452

Qualified Marketing Director with a five-person team4,5,6

Per MonthPer Year

Only Qualified Marketing Director’s team members5

(Helps four families per month) $9,678$116,136Qualified Marketing Director and each team member5

(Helps four families per month) $13,871$166,4521 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools.2 Commission amount may vary based on product type and size of purchase.3 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.4 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%, Qualified Marketing Director contract level of 65%, Qualified Marketing Director override level of 30%.

5 Associates of World Financial Group are independent contractors, regardless of field title/designation.6 Example assumes all Qualified Marketing Director 痴 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.

WFGCompensationWFGCompensation

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The WFG environment allows ordinary people to achieve

extraordinary things.

The WFG environment allows ordinary people to achieve

extraordinary things.

In order to qualify for participation in contests, and to receive prizes and awards, an individual must 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 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 NextBig EventThe NextBig Event

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Next StepsNext Steps

2. Get Ready for NextBusiness Format School

2. Get Ready for NextBusiness Format School

1. Register for LLQPand Qualify for NextBig Training Event

1. Register for LLQPand Qualify for NextBig Training Event

In order to qualify for participation in contests, and to receive prizes and awards, an individual must 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 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.Mutual funds, and scholarship plans in select provinces, are offered through WFG Securities of Canada Inc., a member of IFIC and MFDA. Life insurance and SEG funds offered through World Financial Group Insurance Agency of Canada Inc. Headquarters: 3700 Steeles Avenue W., Suite 400, Vaughan, ON L4L 8M9. Phone: 905.265.9005. Fax: 905.265.9044©2008 World Financial Group, Inc. 0889-1mCN/8.08Printed in the USA For use in Canada only.