Securian Financial Group

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We are Securian. We help people and businesses achieve financial security for the long run.

Securian is committed to the personal financial goals of our individual customers. We take a long-term approach to insurance, investment and retirement solutions through our affliates including Minnesota Life – a respected presence in the industry for more than a century.

• We’re strong. We are highly rated by the four independent rating organizations.

• We are accountable. We care about our customers, our associates and our community.

• We have a proven track record. Our company has succeeded through economic ups and downs for more than 135 years.

Numbers that mean something– Nearly 16 million customers depend on us to reach their financial goals.

– Over 5,000 associates and representatives in our St. Paul, Minnesota, headquarters and in sales offices throughout the country.

– Over $1.15 trillion of insurance in force – our pledge to protect customers when they need us most.

– Over $4.6 billion in statutory benefits paid to customers in 2015.

All statistics as of December 31, 2015, unless otherwise noted.

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$1.15 TRILLION insurance in force

5,000-PLUS associates and representatives

$4.6 BILLION in statutory benefits paid

Serving nearly 16 MILLION CUSTOMERS

{WE GO THE EXTRA MILE TO UNDERSTAND

the personal financial goals of our customers.

One of Securian’s buildings located in our downtown St. Paul headquarters.

Providing financial securitySINCE 1880

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A company aligned with each customerSecurian’s customer commitment dates back to our founding in 1880 as a mutual life insurance company. Today, our holding company structure:

• Offers insurance, investment and retirement solutions

through our subsidiaries.

• Provides the financial flexibility to help meet the long-term

needs of our customers.

• Reinforces our commitment to what counts. We are not

publicly traded and don’t have to answer to shareholders.

• Supports a long-term perspective. Customers are our

focus – not short-term, incremental returns.

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{ INTEGRITY – IT’S ONE OF OUR CORE VALUES.

And good for those we serve.

* CFG offers securities and investment advisory services through H. Beck, Inc. Member FINRA/SIPC.

**A New York authorized insurer.

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SECURIAN FINANCIAL SERVICESFinancial products and investment advisory services

SECURIAN TRUST COMPANYTrust services

CAPITAL FINANCIAL GROUP/H. BECK*Financial products and investment advisory services distributor

MINNESOTA LIFEIndividual and group life insurance, individual annuity and retirement plans

SECURIAN LIFE**Individual and group life insurance, and individual annuity

SECURIAN CASUALTY COMPANYProperty-casualty insurance products

ALLIED SOLUTIONSFinancial institution products and services distributor

AMERICAN MODERN LIFECredit life and disability products

SOUTHERN PIONEER LIFECredit life and disability products

ADVANTUS CAPITAL MANAGEMENTInvestment advisory services

PERSONAL FINANCE COMPANYConsumer finance products

ASSET ALLOCATION & MANAGEMENT COMPANY Insurance asset manager

}COMMITTED ASSOCIATES

putting customers first

TOP LEFT TO RIGHT:

James, Internal WholesalingJason, National Accounts

BOTTOM LEFT TO RIGHT:

Britany, Customer ServiceKyle, Application EngineeringNorma, Customer ServiceTodd, UnderwritingJeremy, Quantitative AnalysisMary, Client Relationships

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1 Based on client in-force retention.

2 Based on client assets under management retention.

3 Based on client premium retention.

4 Based on client retention.

All Statistics as of December 31, 2015, Source: Securian Financial Group 2015 Annual Report.

It’s not a shallow promise or lip service. In everything we do, we go the extra mile to fulfill our customers’ individual needs responsively.

We rank among the best in customer retention, a claim backed by high marks.

In 2015, we retained:

• 95 percent of our Individual Life Insurance clients1

• 94 percent of our Individual Annuity clients2

• 96 percent of our Retirement Plan clients2

• 97 percent of our Group Insurance clients3

• 99 percent of our Financial Institution

Group clients3

• 90 percent of our Advantus

Capital Management clients4

We listen, and we care.

Nina Individual Business Technology

Securian is a broadly diversified financial services company built to succeed in many different environments.

• We offer insurance, investment and retirement solutions.

• We focus on the unique needs of our customers, offering personalized financial strategies that add value.

• We are a leader in several industry categories, demonstrating the trust we’ve earned from our customers.

A strong market presence

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INDIVIDUAL LIFE INSURANCECOMPANIES• Minnesota Life

• Securian Life

CLIENTS• Individuals

• Professionals

• Executives

• Business owners

STRENGTHS• Diverse insurance product

portfolio

• Personalized service backed by advanced technology

• Existing customers offered same products and features as new customers

PRODUCTS AND SERVICES• Fixed Universal Life

• Indexed Universal Life

• Survivorship Universal Life

• Term Life

• Variable Universal Life

• Whole Life

STAND-OUT STATS• Exceeded sales goals

for 8 consecutive years

• 90% customer satisfaction1

• 95% customer in force retention2

INDIVIDUAL ANNUITY

COMPANIES• Minnesota Life

• Securian Life

CLIENTS• Individual investors

STRENGTHS• Product portfolio offering

retirement accumulation and income solutions as unique as our customers

• Excellence in customer service

• Nurturing long-term relationships with our distributors, customers and associates

PRODUCTS AND SERVICES• Variable Annuities

• Fixed Annuities

• Income Annuities

STAND-OUT STATS• 95% customer satisfaction1

• 94% asset retention2

RETIREMENT PLANSCOMPANIES

• Minnesota Life

CLIENTS• Small- to large-sized employers

STRENGTHS• Customized plan design

• Open architecture and 3(21) investment platforms

• Comprehensive fiduciary support

• Third-party validation of conflict-free practices

• Industry-leading service

• Award-winning plan participant communications

PRODUCTS AND SERVICES• 401(k) Plans

• Profit Sharing Plans

• Defined Benefit Plans

• Cash Balance Plans

• Pension Risk Transfer

STAND-OUT STATS• 93% customer satisfaction1

• 96% asset retention2

• 88% recommendation rate3

• Sales results doubled in two years

• One of the nation’s largest universities has been our client since 1930

GROUP INSURANCECOMPANIES• Minnesota Life

• Securian Life

CLIENTS• Large public and

private employers

• Small public employers

STRENGTHS• Customized, comprehensive

group life insurance programs

• Flexible, innovative administrative capabilities

• Solutions for professional and executive groups

• Advanced enrollment, claims and service technology

• Industry-leading service

PRODUCTS AND SERVICES• Group Term Life

• Group Universal Life

• Group Variable Universal Life

• Group Critical Illness

• Group Accident

• Group Hospital Indemnity

• Accidental Death and Dismemberment

• Business Travel Accident

STAND-OUT STATS• One of the nation’s top five

group insurers4

• Underwrites 21 state plans

• 100% client satisfaction5

• 97% client premium retention2

• Clients include 21 of the Fortune 100 and 63 of the Fortune 500 companies

1 Customer satisfaction statistics are from 2015.2 Client retention statistics are from 2015.3 2015 PLANSPONSOR DC Survey.4 Direct group life insurance in force as of December 31, 2014 on a consolidated basis as

reported in the Annual Statement Policy Exhibit State Pages. Source: SNL Financial LC.5 Gestalt Inc., Client Satisfaction Study: Securian Group Insurance, October 2015.6 Based on Credit Life and Disability direct written premium from the 2015 CCIA Fact

Book of Credit-Related Insurance.7 Advantus Capital Management only.

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FINANCIAL INSTITUTION GROUPCOMPANIES

• Minnesota Life

• Securian Life

• Securian Casualty

• Allied Solutions

• American Modern Life

• Southern Pioneer Life

CLIENTS

• Banks and thrifts

• Credit unions

• Finance companies

• Mortgage lenders and servicers

• Other affinity groups

STRENGTHS

• Significant presence in large bank, credit union, community bank and finance company markets

• Comprehensive insurance, debt and loan protection product suites

• Customized product, marketing and financial solutions

• Full range of direct response, digital, point-of-sale and call center services

• Excellence in service and compliance

PRODUCTS AND SERVICES

• Accident and Sickness Protection

• Accidental Death and Dismemberment

• Collateral Protection

• Credit Life, Disability and Involuntary Unemployment

• Credit Property

• Debt Protection

• Guaranteed Asset Protection

• Loan Forms

• Mortgage Accidental Death, Disability and Life

• Term Life

• Vendor Single Interest

STAND-OUT STATS

• The nation’s third largest Credit Life and Disability insurer6

• 99% premium retention2

• 100% customer satisfaction1

WEALTH MANAGEMENT GROUPCOMPANIES• Securian Financial

Services

• Capital Financial Group/ H. Beck

• Securian Trust Company

CLIENTS• Individuals

• Professionals

• Executives

• Business owners

• Non-profits

STRENGTHS• Customized investment

portfolios

• Diversified investment approach

• Trust and Estate Planning expertise and capabilities

PRODUCTS AND SERVICES• Investment Advisory Services

• Brokerage Accounts

• Mutual Funds

• Trust Services

• Insurance and Annuities

• Customized Asset Management

STAND-OUT STATS• $308.6 million in

broker-dealer revenues

ASSET MANAGEMENTCOMPANIES• Advantus Capital

Management

• Asset Allocation & Management Company

CLIENTS• Corporations

• Endowments and foundations

• Insurance companies

• Mutual fund companies

• Pension plans

• Variable insurance providers

• 401(k) and related separate account platforms

STRENGTHS• Customized portfolios and superior client service

• Investment excellence founded on robust fundamental research

• Insights derived through collaboration of investment specialists across diverse strategies

• Risk management embedded throughout investment process

PRODUCTS AND SERVICES• General Account Management

• Institutional Separate Accounts

• Variable Insurance Trusts

• Mutual Funds

• Investment Styles and Capabilities

– Fixed Income– Real Estate Securities– Dividend Income– Private Placements– Alternatives– Convertibles– High Yield– Managed Volatility

• Commercial Mortgage Lending– Origination– Servicing

• Specialty Insurance Services

STAND-OUT STATS• $1.4 billion in sales7

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We are a strong financial services provider with a proven track record of focusing on the long-term needs of our individual customers.

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Securian Financial Group, Inc. www.securian.com

Insurance products are issued by Minnesota Life Insurance Company in all states except New York. In New York, products are issued by Securian Life Insurance Company, a New York authorized insurer. Both companies are headquartered in St. Paul, MN. Product availability and features may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues. Securities offered through Securian Financial Services, Inc. Member FINRA/SIPC. • 400 Robert Street North, St. Paul, MN 55101-2098 • 1-800-820-4205 ©2016 Securian Financial Group, Inc. All rights reserved.

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ABOUT THE COMPANY

Securian Financial Group, Inc. is the holding company parent of a group of companies that provide a broad range of financial services, including Minnesota Life Insurance Company; Advantus Capital Management, Inc.; Allied Solutions, LLC; American Modern Life Insurance Company; Asset Allocation & Management Company, LLC; Capital Financial Group/H. Beck, Inc.; Personal Finance Company, LLC; Securian Casualty Company; Securian Financial Services, Inc.; Securian Life Insurance Company; Securian Trust Company, N.A.; and Southern Pioneer Life Insurance Company.

For information about the rating agencies, visit securian.com/ratings.

For information on our financial strength, visit securian.com/financials.

Client satisfaction results are based on our customer surveys conducted in 2014-2015.

FOR INFORMATION CONTACT

Communications Securian Financial Group 400 Robert Street North St. Paul, Minnesota 55101-2098 651-665-3500 651-665-4128 fax

securian.com