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World Financial Group, Inc. (WFG or World Financial Group) is an independent marketing company whose affiliates offer life insurance and a broad array of financial products and services. Securities are offered through World Group Securities, Inc. (WGS or World Group Securities), Member FINRA/SIPC (http://www.finra.org ). Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) WFG , WGS , WFGIA are affiliated companies. Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097-1517, PO Box 100035, Duluth, GA 30096-9403. Phone: 770.453.9300. WorldFinancialGroup.com

All associates of World Financial Group are independent contractors, regardless of field title/designation. Many people have experienced various levels of success with World Financial Group. However, individual experiences may vary. This statement is not intended to nor does it represent that any current individual's results are representative of what all participants achieve when following the World Financial Group system. All contests, awards and related promotional criteria, events and designations are offered by or through World Financial Group, Inc. (WFG) and/or World Group Securities, Inc. (WGS). In order to qualify, an individual must be a member in good standing of WFG and WGS, if applicable.