company of women

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No Glass Ceiling – Just Blue Sky

No Glass Ceiling – Just Blue Sky

World Financial Group, Inc. (WFG) provides women – and all associates – with a business environment that is not business as usual. WFG has given people from all walks of life – from CPAs to stay-at-home moms – the opportunity to start a new career in the exciting world of financial services. At WFG there is no glass ceiling, just a wide-open, 100-percent equal opportunity to change your future.

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No Glass CeilingNo Glass CeilingUnlike traditional business where favoritism and office politics can determine advancement, World Financial Group puts you in control of your career. Recent statistics show that a startling disparity still exists between a woman’s success in business and that of her male colleagues, even though the workforce includes more women than ever before.

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Consider These Facts:Consider These Facts:Women make up more than half of the managerial and professional labor pool but account for just more than one percent of all Fortune 500 chief executives.1

1 Harvard Business Review, “Forethought: What’s Holding Women Back?” by Sheila Wellington, Marcia Brumit Kropf and Paulette R. Gerkovich, June 2003.

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Consider These Facts:Consider These Facts:American women make 85 percent of consumer purchases2 and more than 65 percent of women aged 18 and up are registered to vote3 YET: •Only 118 of the top 2,259 earners atFortune 500 companies are women.4

•On average 19 percent of women arepartners in public accounting firms.5 •Slightly more than 17 percent of partnersin America’s major law firms are women.6

2 The Six Costliest Mistakes You Can Make In Marketing to Women, Jan. 2003, Andrea Learned, Inc.com.3 Reported Voting and Registration, By Sex and Single Years of Age: Nov. 2000, U.S. Census Bureau, Feb. 27, 2002.4 2002 Catalyst Census of Women Corporate Officers and Top Earners in the Fortune 500, Catalyst, 2002.5 AICPA Work/Life and Women’s Initiatives 2004 Research: A Decade of Changes in the Accounting Profession: Workforce Trends and Human Capital

Practices, American Institute of Certified Public Accountants.6 Women and Attorneys of Color Continue to Make Small Gains at Large Law Firms, National Association for Law Placement (NALP), Nov. 17, 2005.

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Consider These Facts:Consider These Facts:With so many advances for women in the last several decades, what’s holding women back?

The answer is simple: the opportunity to succeed on a truly level playing field – an environment where performance not politics determines success. World Financial Group’s excellent support, training programs and hands-on mentoring approach to business can help you build a satisfying career in a gratifying team environment.

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WFG: A World Apart from Business as UsualWFG: A World Apart

from Business as UsualWhether you’re 23 or you’ve been out of the job market for 23 years, World Financial Group provides you with an equal opportunity for success. WFG doesn’t judge who you are now, only what you have the potential to become. Your ability to be coachable and your desire to learn are what can help make you a success.

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from Business as UsualThis empowering philosophy is just one of the unique strengths of the World Financial Group opportunity – and one of the many ways

WFG can help you shatter

the glass ceiling and

realize your full potential.

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from Business as Usual

Here are some more ways World Financial Group is a custom-made opportunity for women:•Feel good about what you do. Do you wake up every morning feeling like you are making difference? At World Financial Group, you can be part of a company championing a noble cause: helping people around the world achieve financial independence. As a WFG associate, you can help families plan for their financial futures while helping yourself and your family in the process. By sharing simple financial concepts and tools, you can help educate people about how money works and help put them on the road to a more secure tomorrow.

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Here are some more ways World Financial Group is a custom-made opportunity for women:•Be in business for yourself, but not by yourself. As a WFG associate, you own your own business but you are not in it alone. You are an independent business owner backed by the marketing and administrative muscle of WFG’s Executive Headquarters and the support of experienced field leaders who started where you are and have built their own businesses from the ground up.

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Here are some more ways World Financial Group is a custom-made opportunity for women:•Experience a mentoring business model in a team environment. When you join World Financial Group, you become part of a team of industry professionals – both women and men – who will act as mentors as you start your own WFG business. Having been where you are and having benefited from mentoring, WFG field leaders are committed to your success. But unlike other mentoring programs that end after the first few weeks, WFG field leader support never stops. Your field leaders are with you every step of the way as you build your business.

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Here are some more ways World Financial Group is a custom-made opportunity for women:•Build a career no matter what your background. Because WFG believes in the power of a person’s potential, people from all walks of life have become WFG associates. World Financial Group gives you the tools and training that can help you make the transition from flight attendant or stay-at-home mom to a financial services career.

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Here are some more ways World Financial Group is a custom-made opportunity for women:•Determine your own success and compensation. Traditional barriers to advancement don’t exist here because promotions are based on performance. At World Financial Group, you never have to worry about being passed up for a promotion. When you meet promotion guidelines, you advance. It’s that simple. Your only competition is your will to win and your desire to make it happen.

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Here are some more ways World Financial Group is a custom-made opportunity for women:•Start a business without breaking the bank. Many women cite the ability to raise capital as one of primary obstacles to starting their own businesses – an obstacle that World Financial Group is dedicated to removing. For just $100, you can join WFG and be on your way to building your business.

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Here are some more ways World Financial Group is a custom-made opportunity for women:•Begin a career in an area tailored to a woman’s natural strengths. Research shows that female and male business owners have very different management styles. Women focus more on teamwork, seek more information when making decisions and are more likely to seek input from others.7 These strengths coupled with a woman’s ability to build and develop relationships are great skills to have in the service-oriented financial arena.

7 Center for Women’s Business Research, “Top Facts By Category, Leadership in Business and Community,” womensbusinessresearch.org, 2003

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Here are some more ways World Financial Group is a custom-made opportunity for women:•Test drive the opportunity. Unlike other businesses, you can start with WFG as a part-time twin career while keeping the security of your existing job. It’s virtually a risk-free chance to change your future.

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Here are some more ways World Financial Group is a custom-made opportunity for women:•Become a leader. As you build a business and build a team, you build your proficiency as a leader. And in turn, you can become a mentor to other women.

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Here are some more ways World Financial Group is a custom-made opportunity for women:•Experience the freedom of flexibility. A recent study found that women often start companies to better balance their work and family lives rather than to get rich.8 World Financial Group gives you the opportunity to build a career around your life rather than a life around your career.8 According to a Rochester Institute of Technology study cited in “Mars vs. Venus Extends to Entrepreneurs, Too,” USA Today, May 19, 2003.

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Women entrepreneurs generate nearly $2.3 trillion in revenues to the U.S. economy.10Women entrepreneurs generate nearly $2.3 trillion in revenues to the U.S. economy.10

Women-owned businesses are growing at twice the rate of all U.S. firms.9 Women-owned businesses are growing at twice the rate of all U.S. firms.9

One in every 11 adult women owns a business.10 One in every 11 adult women owns a business.10

More than 18 million workers are employed by a woman business owner.10 More than 18 million workers are employed by a woman business owner.10

One in five women-owned businesses is owned by one or more women of color.10One in five women-owned businesses is owned by one or more women of color.10

9 U.S. Department of Labor, 2003. 10 Center for Women’s Business Research, “Top 10 Facts About Women Business Owners,”

womensbusinessresearch.org, 2003

2011 The WFG Business Format System is the core set of principles of World Financial Group’s marketing system that helps an agent through the process of building a sales organization.

A Foundation for Success

A Foundation for Success

World Financial Group wants to see all of its associates succeed. That’s why WFG provides you with the corporate support you need to build a strong business, including: •The WFG Business Format System.11 Designed by experienced field leaders, the Business Format System is WFG’s exclusive step-by-step blueprint to help you build and grow your business.

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•The Strong relationships with some of the financial and insurance industry’s top product providers.

As a result of its affiliates

maintaining selling agreements12 with a

number of the industry’s leading companies, WFG helps associates provide choice to

clients.

12 Insurance products offered through World Financial Group Insurance Agency, Inc. (WFGIA). Securities products offered through WFG’s affiliate broker-dealer World Group Securities, Inc. (WGS or World Group Securities). Member FINRA/SIPC.

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•Power in your corner with AEGON.World Financial Group is a member of a respected corporate family – the AEGON Group. AEGON is one of the world’s leading insurance, pension and related financial services organizations with major operations in North America, Europe and Asia. As a member of the AEGON Group, World Financial Group, Inc. has numerous resources and efficiencies at its disposal to help the company – and in turn, its associates – maximize performance.

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NO GLASS CEILINGNO GLASS CEILING

•Training. Even if the only financial experience you have is managing your personal finances, World Financial Group offers a variety of training programs to ready you for your new career. WFG offers comprehensive training to help you get your insurance license and securities registration and get your business up and running.

2413 Broker-dealer services and securities offered through World Group Securities, Inc. Member FINRA/SIPC. Only registered representatives can sell securities products.

14 Eligibility/availability governed by governing plan documents.

Agent Services Corporate IntranetLicensing and commissions support Company WebsiteProfessional marketing materials Broker-Dealer Services13

Training EventsTechnology solutions Stock Option Program14

•Marketing and back office support from WFG’s national headquarters. More than 350 employees at WFG’s Executive World Headquarters go to work each day to help you build your business by offering:

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Women in World Financial Group’s

Executive Headquarters

experience the same empowering

philosophy as the company’s

independent business owners.

Women in World Financial Group’s

Executive Headquarters

experience the same empowering

philosophy as the company’s

independent business owners.

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Susan DaviesSenior Vice President of MarketingWorld Financial Group, Inc.

Susan DaviesSenior Vice President of MarketingWorld Financial Group, Inc.

If there is one woman at the headquarters that field associates know well, it’s Susan Davies. With the company for several years holding various positions, Susan is now the Senior Vice President of Marketing. In this role she oversees and has a major role in a variety of functions including associate contests, reward trips, company meetings, the annual convention, product provider relationships, communication and marketing materials,n agency relations and distribution. Additionally, Susan assists the Supervisory Board, oversees the use of La Salamandre – the company’s villa in St. Martin – and manages the company’s NASCAR relationship.

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Other High-Powered Headquarters Women Include:

Other High-Powered Headquarters Women Include:

Linda Bays Powers – Vice President of Communications and Publishing, WFG

Donnie Childers– Assistant Vice President of Business Support, WFG

Leesa Easley – Vice President & General Counsel, WFG

Freddie Maybury – Vice President of Commissions, WFG

Nancy Moate – Vice President & Controller, WFG /Vice President & CFO, WGS

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THE ENTERPRISING WOMENOF WORLD FINANCIAL GROUPTHE ENTERPRISING WOMEN

OF WORLD FINANCIAL GROUP

World Financial Group offers women an uncommon opportunity – a chance to change their future and build a business of their own. Here are some of the women of WFG who’ve moved from dreaming about a new career to doing something about it.

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Previous Career:Loan OfficerPrevious Career:Loan Officer

Penney OoiSanta Clara, CaliforniaPenney OoiSanta Clara, California

“I’ve always been a person who saw what they wanted in life and set out to achieve it. I grew up in Malaysia but came to the United States because I didn’t want the government or society telling me what I could be. When I worked in the mortgage industry and wanted to switch to financial services, I couldn’t find a company to sponsor me. Then I found World Financial Group. At WFG, I am in a nurturing environment where people encourage you and help you to succeed. With hard work and mentoring from both women and men, I was able to reach the highest field promotion level in the company. I love WFG because here everyone has the same opportunity to win.”

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Dina FlissBrookfield, WisconsinDina FlissBrookfield, Wisconsin

Previous Career:Financial ServicesPrevious Career:Financial Services

“Every World Financial Group associate is assigned a code number when they come on board. A computer tracks the production to that code number and doesn’t discern whether you are male or female, young or old, black or white. You do the production, you get paid and earn the promotion. Isn’t that the level playing field every person dreams of competing on?”

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Yvonne MeiSanta Clara, CaliforniaYvonne MeiSanta Clara, California

Previous Career:Flight AttendantPrevious Career:Flight Attendant

“When I first came to WFG, I had no experience and no capital to start a business. I was working as a flight attendant and my husband was working three jobs. Now my husband works with me full time. As business owners, we don’t have to worry about being laid off or salary cuts. We know with hard work we can continue having a bright future.”

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Jaime VillalovasTarzana, California

Jaime VillalovasTarzana, California

Previous Career:Health Club ManagerPrevious Career:Health Club Manager

“World Financial Group is an extraordinary business opportunity for all people, male or female, but especially for women. WFG gives women the ability to become business owners without having to produce large sums of capital to get their businesses off the ground. WFG also gives women – married women, single moms or single women – the opportunity to build a career around their lives. And finally, at WFG there is no ceiling, glass or otherwise, that can stop any woman from becoming the CEO of her very own profitable organization.”

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Ellen GaoAlhambra, CaliforniaEllen GaoAlhambra, California

Previous Career:Restaurant OwnerPrevious Career:Restaurant Owner

“As a woman working with World Financial Group, I feel so proud and so free. With WFG there is unlimited business building potential – there’s no glass ceiling. No matter how big you want to build your business, you can achieve it.”

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Previous Career:Student & WaitressPrevious Career:Student & Waitress

“I love working at WFG as a woman because it has forced me to become one tough cookie. There is no situation I cannot handle now. My confidence grows every single day. This opportunity has allowed me to become a woman and a role model leading a life that people want to emulate.”

Jessica LancasterPomona, California

Jessica LancasterPomona, California

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GraceAntares Portland, ORPrevious Career:Real Estate

SaraBlatt Encino, CAPrevious Career: Advertising Director

MarcyBlochowiakDuluth, GAPrevious Career: Flight Attendant

LindyButler-ClarkPortland, ORPrevious Career:Banking

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ConnieChenSanta Clara, CAPrevious Career:Researcher/Engineer

SiuCheungMcLean, VAPrevious Career:Restaurant Owner & Real EstateBroker Beverly

FecundoBurr Ridge, ILPrevious Career:Nurse

JuliaCarlsonNewport, ORPrevious Career:Banking

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LeilaGharacheEncino, CAPrevious Career:Music Promotions

JudithFernandesShorewood, ILPrevious Career:Phys Ed Teacher

LouiseHaagOrange, CAPrevious Career:Dental PracticeManager

DianneGarciaCerritos, CAPrevious Career:Registered Nurse

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NancyKimLos Angeles, CAPrevious Career:Mortgage Industry

MichelleHoOrange, CAPrevious Career:Financial Services

MaryKajoyanAnaheim, CAPrevious Career:Business Owner

BernadetteKimEdinburg, TXPrevious Career:Registered Nurse

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DanaLiRockville, MDPrevious Career:Business

LydiaLegaspiAnaheim, CAPrevious Career:Laboratory Scientist

LauraLuongAnaheim, CAPrevious Career:Accounting

NoelleKimDuluth, GAPrevious Career:Marketing

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YvonneMillionGarden Grove, CAPrevious Career:Sales Representative

KayMatsuiHonolulu, HIPrevious Career:Loan Officer

May JeanMelchorOntario, CAPrevious Career:Assistant Controller

BethMaddatuSan Jose, CAPrevious Career:Private Banker

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SandraMoralesHouston, TXPrevious Career:Critical Care Nurse

PenneyOoiSanta Clara, CAPrevious Career:Loan Officer

LisaPanasLong Beach, CAPrevious Career:Computer Consultant

LilyOuAlhambra, CAPrevious Career:Manager

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JenniferTangNew York, NYPrevious Career:Public Accountant

HannaSegalSherman Oaks, CAPrevious Career:Mortgage Broker & Realtor

CynthiaPulverOrem, UTPrevious Career:Grocery StoreManager Racquel

RamlalSilver Springs, MDPrevious Career:Pharmacy Tech

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KathrynWangBurlingame, CAPrevious Career:Computer Sales/Special Ed. TeacherCarla

Zevnik-SeufzerMenomonee Falls, WIPrevious Career:Teacher & ChildCare Provider

TessVilloriaRichardson, TXPrevious Career:Registered Nurse

StacyVolpeThe Woodlands, TXPrevious Career:Insurance

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“It’s never too late to

be what you might have been.”– Famous female author

George Eliot

“It’s never too late to

be what you might have been.”– Famous female author

George Eliot

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So why wait another minute? With all of the support and training available, what have you got to lose?

When you consider the opportunity available to you through World Financial Group, you can see it’s a great place to grow not only as a professional woman, but also as an entrepreneur and a leader. Let WFG help you move from dreaming to doing™ today.We look forward to working with you.

So why wait another minute? With all of the support and training available, what have you got to lose?

When you consider the opportunity available to you through World Financial Group, you can see it’s a great place to grow not only as a professional woman, but also as an entrepreneur and a leader. Let WFG help you move from dreaming to doing™ today.We look forward to working with you.

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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.

World Financial Group, Inc. (WFG or World Financial Group) is a financial services

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.

Insurance products are offered throughWorld Financial Group Insurance Agency, Inc.

(WFGIA)

WFG, WGS, 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

©2003 World Financial Group, Inc. Printed in the USA 0940m/11.06

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.

World Financial Group, Inc. (WFG or World Financial Group) is a financial services

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.

Insurance products are offered throughWorld Financial Group Insurance Agency, Inc.

(WFGIA)

WFG, WGS, 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

©2003 World Financial Group, Inc. Printed in the USA 0940m/11.06

company of women

Documents

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