For use in Canada only

22Who We AreWho We Are

World Financial Group Insurance Agency of Canada World Financial Group Insurance Agency of Canada Inc., a life insurance agency, and WFG Securities of Inc., a life insurance agency, and WFG Securities of Canada Inc., a mutual fund dealer,Canada Inc., a mutual fund dealer,together form World Financialtogether form World FinancialGroup of Canada (WFG).Group of Canada (WFG).

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A financial services company A financial services company whose associates, through whose associates, through affiliated companies, offer a affiliated companies, offer a broad array of financial broad array of financial products and services. A products and services. A company built with your family company built with your family in mind that believes, with in mind that believes, with your help, we can achieve your help, we can achieve anything.anything.

33Who We AreWho We Are

Our Mission:Our Mission:To help families achieveTo help families achievefinancial independence.financial independence.

Our Vision:Our Vision:To build the world’s best and largest To build the world’s best and largest financial services marketing organization.financial services marketing organization.

Our System:Our System:Powerful proven solutions for buildingPowerful proven solutions for buildinga successful business.a successful business.

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AEGON N.V. AEGON N.V. is one ofis one ofthe world’s leading lifethe world’s leading lifeinsurance and pensioninsurance and pensiongroups, and a providergroups, and a providerof investment products.of investment products.

AEGON N.V.’s AEGON N.V.’s majormajoroperations are in the Unitedoperations are in the UnitedStates, the Netherlands and States, the Netherlands and the United Kingdom, and it is presentthe United Kingdom, and it is presentin a number of other countries includingin a number of other countries includingCanada, Hungary, Slovakia, Spain and Taiwan.Canada, Hungary, Slovakia, Spain and Taiwan.

AEGON N.V. AEGON N.V. was ranked one of the world’s top com-was ranked one of the world’s top com-panies in 2007 by panies in 2007 by ForbesForbes in its annual ranking of the in its annual ranking of the world’s biggest and most powerful public companies.world’s biggest and most powerful public companies.11

Building On StrengthBuilding On Strength

World Financial Group Insurance Agency of Canada Inc.

& WFG Securities of Canada Inc.–

companies

1 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 March 29, 2007 on Forbes.com.

55Strategic Alliances to BetterStrategic Alliances to Better

World Financial Group of Canada offers a diversified product portfolio World Financial Group of Canada offers a diversified product portfolio designed to meet the financial challenges of today’s consumers.designed to meet the financial challenges of today’s consumers.WFG and its affiliates are aligned with some of the most respected WFG and its affiliates are aligned with some of the most respected companies in the financial services industry. Products offered through companies in the financial services industry. Products offered through these alliances include:these alliances include:

2 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. Mutual Fund products and investments are sold by prospectus only and are not insured, may lose value and there is no bank guarantee.

3 Mortgage referrals offered through World Financial Group of Canada. WFG representatives do not offer legal or mortgage advice or provide mortgage documents. Consultation with a mortgage broker representative is recommended.

4 Maintains current selling agreements with World Financial Group Insurance Agency of Canada Inc.

Serve The Consumer Serve The Consumer

Mutual FundsMutual Funds22

AnnuitiesAnnuities22

Life InsuranceLife Insurance22

Critical Illness Insurance(Critical Illness Insurance(CICI))22

Disability Insurance(Disability Insurance(DIDI))22

Segregated FundsSegregated Funds22

Registered Retirement Savings PlansRegistered Retirement Savings Plans22

Educational Savings PlansEducational Savings Plans22

Product Providers include:Product Providers include:44

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Mortgage ReferralsMortgage Referrals33

66The PassionThe Passion

Driven by our passion, World Driven by our passion, World Financial Group of Canada is Financial Group of Canada is committed to:committed to:

Helping people who desire toHelping people who desire tohelp themselves. help themselves.

Reaching out to individuals and Reaching out to individuals and families from all walks of life who families from all walks of life who are overlooked by the financial are overlooked by the financial services industry. services industry.

Educating individuals, families and Educating individuals, families and business owners that the financial business owners that the financial choices they make today will be choices they make today will be critical in determining their critical in determining their financial futures.financial futures.

Behind Our MissionBehind Our Mission

77The PassionThe Passion

WFG empowers clients with the tools WFG empowers clients with the tools they need to help them make informed they need to help them make informed choices to meet today’s challenges of:choices to meet today’s challenges of:

Staggering consumer debtStaggering consumer debt

Poor savings habitsPoor savings habits

Alarming lack of education Alarming lack of education about financial fundamentalsabout financial fundamentals

Living dangerously aboveLiving dangerously aboveone’s meansone’s means

Insufficient insurance protectionInsufficient insurance protection

Behind Our MissionBehind Our Mission

88The Need ExistsThe Need Exists

World Financial Group of Canada is World Financial Group of Canada is positioned to help people take important positioned to help people take important steps toward their future and answer some steps toward their future and answer some of today’s most common questions:of today’s most common questions:

Will I ever be able to retire?Will I ever be able to retire?

How do I start saving and investing?How do I start saving and investing?

When can I buy a home?When can I buy a home?

How can I reduce debt?How can I reduce debt?

How can I protect my family?How can I protect my family?

How can I afford to give myHow can I afford to give mychild a good education?child a good education?

99Our SolutionOur Solution

5 The WFG Financial Dream Map is a suitability and needs analysis that is based upon information obtained from sources believed to be complete 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.

55Perf

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ceThe WFG Financial Dream Map™The WFG Financial Dream Map™

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Increase Cash Flow & Manage DebtIncrease Cash Flow & Manage DebtHow can I increase cash flowHow can I increase cash flowand better manage my debt?and better manage my debt?

How can I reduce my monthlyHow can I reduce my monthlyexpenses and increase myexpenses and increase mydiscretionary income?discretionary income?

For most families:For most families:House = Largest AssetHouse = Largest Asset

Mortgage = Largest LiabilityMortgage = Largest Liability

WFG associates through the mortgage referral program and other WFG associates through the mortgage referral program and other services may be equipped to help their clients address most debt services may be equipped to help their clients address most debt management needs.management needs.

Dreaming to Doing®Dreaming to Doing®WFG:WFG: Helping You Move fromHelping You Move from

1111WFG: Focus on FinancialWFG: Focus on Financial

Seven Keys to Investing in Your FutureSeven Keys to Investing in Your Future1.1. Professional Money ManagementProfessional Money Management

People lack the time, training and temperament.People lack the time, training and temperament.2.2. Wide DiversificationWide Diversification

A diverse investment plan can lower risk.A diverse investment plan can lower risk.3.3. Dollar Cost AveragingDollar Cost Averaging66

Take advantage of down markets.Take advantage of down markets.4.4. Long-term ThinkingLong-term Thinking

Focus on the long-term goal,Focus on the long-term goal,not short-term result.not short-term result.

5.5. Tax AdvantagesTax AdvantagesUnderstand tax advantage products.Understand tax advantage products.

6.6. ProtectionProtectionAn important part of planning for your An important part of planning for your financial future is protecting what you’ve built.financial future is protecting what you’ve built.

7.7. Goals & ObjectivesGoals & ObjectivesWFG: Your Dreams, Our Strategies™.WFG: Your Dreams, Our Strategies™.

FundamentalsFundamentals

6 Dollar Cost Averaging does not assure a profit or protect against a loss in a declining market. Such a plan involves continuous investment in securities regardless of fluctuating price levels. An investor should consider his financial abilities to continue his purchases through periods of low price levels.

7 Tax and/or legal advice not offered by World Financial Group Insurance Agency of Canada Inc., WFG Securities of Canada Inc.. or their affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

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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 728 to Work for YouYou 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.

BuildingBuildingFinancial IndependenceFinancial Independence

8 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 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.

$10,000$20,000$40,000$80,000

29415365

6%AgeMoney doubles every 12 years

$10,000$20,000$40,000$80,000

$160,000

2938475665

8%AgeMoney doubles every 9 years

12%Age

$10,000$20,000$40,000$80,000

$160,000$320,000$640,000

29354147535965

Money doubles every 6 years

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$10,000$20,000$40,000

Age 4%Money doubles every 18

years

1313of Investmentof InvestmentHistoricalHistoricalPerformancePerformanceMarkets 1940-2007Markets 1940-2007

©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.

1414Distribution:Distribution:This illustration considers how much a person in the 22%This illustration considers how much a person in the 22%tax bracket could accumulate, depending on the distribution tax bracket could accumulate, depending on the distribution program chosen, if he or she were to save $5,000 a year program chosen, if he or she were to save $5,000 a year

With Your Best Interest In MindWith Your Best Interest In Mind

over 30 years at a 5- or 10-percent rate of return.9 Annual after-tax income reflects amount available without ever touching the principle.

9 Assumes 22% tax bracket. The rates of return chosen are for illustrative purposes only and should not be viewed as an indication of performance for any particular investment. Rate of return is a hypothetical example for illustrative purposes only and does not reflect the actual investment in any product. They do not reflect the performance risks, expenses or charges associated with any actual investment.

AT A 10% RATE OF RETURN (ROR)AT A 10% RATE OF RETURN (ROR)AT A 5% RATE OF RETURN (ROR)AT A 5% RATE OF RETURN (ROR)

$904,717.12

$904,717.12

$90,471.71/yr$90,471.71/yr

$904,717.12

$904,717.12

$70,567.94/yr

$70,567.94/yr

$588,641.58

$588,641.58

$45,914.04/yr$45,914.04/yr

$348,803.95

$348,803.95

$17,440.20/yr$17,440.20/yr

$348,803.95

$348,803.95

$13,603.35/yr$13,603.35/yr

$286,541.65$286,541.65

$11,175.12/yr$11,175.12/yr

1515Tax AdvantagesTax Advantages

Taxation: Potentially, the Taxation: Potentially, the Most Powerful Challenge Most Powerful Challenge Facing Your InvestmentsFacing Your Investments

You SPEND It THEY TAX IT

You SAVE It THEY TAX IT

You DIE THEY TAX IT

You EARN It THEY TAX IT

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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 isto begin saving now. The sooneryou begin, the less money you will need to put aside to create solid savings for your future. Following is an example of

monthly retirement savings required to reach a $1 million retirement goal with an interest rate of 8 percent, tax deferred.10

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 isto begin saving now. The sooneryou begin, the less money you will need to put aside to create solid savings for your future. Following is an example of

monthly retirement savings required to reach a $1 million retirement goal with an interest rate of 8 percent, tax deferred.10

10 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.

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15

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$286.45 /mo.

$5,466.09 /mo.

$2,889.85 /mo.

$1,697.73 /mo.

$1,051.50 /mo.

$670.98 /mo.

$435.94 /mo.

$13,609.73 $13,609.73 /mo.Put Time on Your Side. Get Started Now.Put Time on Your Side. Get Started Now.

The High Cost of Waiting The High Cost of Waiting Years Until RetirementYears Until Retirement

1717Consider Your OptionsConsider Your Options

Option 1Option 1 – Client – ClientIf you are satisfied with your career and discretionary If you are satisfied with your career and discretionary income, consider becoming a client.income, consider becoming a client.

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

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1818Consider Your OptionsConsider Your Options

Option 2Option 2 – Self-employed/Twin Career – Self-employed/Twin Career1111

Licensed, quality profession withLicensed, quality profession witha great training programa great training program

Earn supplemental incomeEarn supplemental incomethrough your personal effortsthrough your personal efforts

Control your timeControl your timeand create a careerand create a careeron your termson your terms

Potential positivePotential positivetax benefits oftax benefits ofself-employmentself-employment

11 Part-time/Twin-careers not available in all provinces.

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12 Eligibility/availability governed by governing plan documents.

Consider Your OptionsConsider Your Options

Option 3Option 3 – Business Owner – Business OwnerUsing our system, build a WFG businessUsing our system, build a WFG businessas big as your commitment and visionas big as your commitment and vision

Take advantage of a variety of incentives, including:Take advantage of a variety of incentives, including:

• Supervisory overridesSupervisory overrides• RenewalsRenewals• TrailsTrails• Bonus poolsBonus pools• Stock optionsStock options1212

• Entrepreneurial programEntrepreneurial program

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2020Building IncomeBuilding IncomeThe following example shows how helping one family results in $1,800 of The following example shows how helping one family results in $1,800 of commissioncommission1313 paid to the field. paid to the field. For this example, the commission amount is For this example, the commission amount is based on an average Universal Life (UL) insurance policybased on an average Universal Life (UL) insurance policy1414 sale to a 40- sale to a 40-year-old male who is contributing $150 per month to the UL.year-old male who is contributing $150 per month to the UL.

Per Month Per YearAssociate14,15 $2,520 $30,240(Helps four families per month)

Qualified Marketing Director16,17 $4,680 $56,160(Helps four families per month)

Per Month Per YearAssociate14,15 $2,520 $30,240(Helps four families per month)

Qualified Marketing Director16,17 $4,680 $56,160(Helps four families per month)

13 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools.14 Commission amount may vary based on product type and size of purchase.15 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.

16 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%.

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

throughthroughWorld Financial Group13 World Financial Group13

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16 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%.

17 Associates of World Financial Group are independent contractors, regardless of field title/designation. 18 Example assumes all Qualified Marketing Director’s team members are at the Associate level.

Qualified Marketing Director with a five-person team16,17,18

Per Month Per YearOnly Qualified Marketing Director’s team $10,800 $129,600members18 helps four families per month

Only Qualified Marketing Director’s and each $15,480 $185,760team members18 help four families per month

Qualified Marketing Director with a five-person team16,17,18

Per Month Per YearOnly Qualified Marketing Director’s team $10,800 $129,600members18 helps four families per month

Only Qualified Marketing Director’s and each $15,480 $185,760team members18 help four families per month

throughthroughBuilding IncomeBuilding IncomeThe following example shows how helping one family results in $1,800 of The following example shows how helping one family results in $1,800 of commissioncommission1313 paid to the field. paid to the field.12,1312,13 For this example, the commission For this example, the commission amount is based on an average Universal Life (UL) insurance policyamount is based on an average Universal Life (UL) insurance policy1414 sale sale to a 40-year-old male who is contributing $150 per month to the UL.to a 40-year-old male who is contributing $150 per month to the UL.

World Financial Group13 World Financial Group13

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The WFG environment allows ordinary people to achieve extraordinary things.

The WFG environment allows ordinary people to achieve extraordinary things.

WFG Recognition & Rewards:WFG Recognition & Rewards:PeoplePeople

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.

2323WFG Recognition & Rewards:WFG Recognition & Rewards:RewardsRewards

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.

2424WFG Recognition & Rewards:WFG Recognition & Rewards:RecognitionRecognition

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.

2525Take the Next StepTake the Next StepThree major reasons to choose WFG:Three major reasons to choose WFG:

A tremendous marketplace existsA tremendous marketplace existsfor WFG’s services.for WFG’s services.Income earning potential asIncome earning potential asan associate.an associate.Opportunity to help others whileOpportunity to help others whilehelping yourself and your family.helping yourself and your family.

Now the time has come to …Now the time has come to …Decide which options are Decide which options are right for you.right for you.Pick up additional information.Pick up additional information.Set up a follow-up interview andSet up a follow-up interview andget your questions answered inget your questions answered inthe next 24 to 48 hours.the next 24 to 48 hours.

A GOOD OPPORTUNITY

ONLY BECOMES GREATWHEN YOU ACT ON IT.

ONLY BECOMES GREATWHEN YOU ACT ON IT.

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World Financial Group Insurance Agency of Canada Inc. offers life insurance and World Financial Group Insurance Agency of Canada Inc. offers life insurance and SEG funds. Mutual funds, and Scholarship Plans in select provinces, are offered SEG funds. Mutual funds, and Scholarship Plans in select provinces, are offered through WFG Securities of Canada Inc. Headquarters: 3700 Steeles Avenue W., through WFG Securities of Canada Inc. Headquarters: 3700 Steeles Avenue W.,

Suite 400, Vaughan, ON L4L 8M9. Suite 400, Vaughan, ON L4L 8M9.

Phone: 905.265.9005. Fax: 905.265.9044Phone: 905.265.9005. Fax: 905.265.9044

©2008 World Financial Group, Inc.©2008 World Financial Group, Inc. Printed in Canada 0664CN-m/5.08 Printed in Canada 0664CN-m/5.08