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The Financial State of the Nation

Do you see yourself in any of these numbers?

$54,000 Average household debt1

38% Percentage of Americans who don’t save anything for retirement2

72% Percentage of workers who do not have access to a defined benefit plan, i.e. pension3

2034 The expected depletion date of the trust funds that support Social Security4

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The State of the IndustryIf so, you’re not alone. There are thousands of people who are underserved or overlooked by the financial services industry – many of them being middle-income families – and who may not be properly prepared for retirement. The financial services industry itself, however, may not be prepared to meet this growing need. In fact:

THE FINANCIAL INDUSTRY

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The State of the Industry

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The SolutionWe offer you a chance to build a financial services business that can take advantage of this industry’s growth potential.

Our solution offers:• A platform that helps you build a financial

services business

• A match up field training program so you can learn from other Transamerica Financial Advisor (TFA) Representatives

• Start part time, and then go full time when this business is right for you

• Administrative and back office support from the TFA and WFG home office including licensing, commission payments, and provider agreements. This support lets you focus on what matters most: your business

We’re building the largest financial services distribution network to serve the millions of people who are underserved or overlooked by the financial services industry.

There has never been a better time to join the financial services industry.

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CompensationAs a representative with Transamerica Financial Advisors, your compensation is based on:

Personal IncomeWhen you help families and write new business you earn a commission. As you reach certain preset levels, your commission percentage increases. You can reach out to anyone who has a need — there are no limits to the number of clients you can serve.

* Certain restrictions apply.** Field force refers to all associates of World Financial Group, Inc.

Agency IncomeAs you grow your business you have the opportunity to mentor and coach Representatives. As these Representatives write new business, you earn a portion of the overall commissions.

Expansion IncomeThere are no geographic territories to limit your growth, you can expand anywhere in the United States and certain U.S. territories.* With this growth there is potential to earn income from the teams you develop.

Bonus IncomeQualified leaders can earn a pro-rata share of an override on the entire field force.** Your portion of the bonus can grow based on your organization’s production and increase your earning potential.

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Recurring IncomeA big step in your professional growth is becoming an Investment Advisor Representative (IAR). As an IAR, through the use of approved third-party money managers, you can offer professional money management to your clients, which can provide you with recurring income.

The following chart is an example of the Assets Placed Under Management (APUM) growth and increase in fees paid to an Investment Advisor Representative annually when the APUM grows at a rate of 8%, compounded annually, after 10 and 20 years.*

Clients APUM SMD Recurring Income**

APUM after 10 yrs. at 8% return

SMD Annual Income

at year 10APUM after 20 yrs.

at 8% returnSMD Annual

Income at year 20

Client A $520,000 $3,177 $1,154,213 $6,447 $2,561,937 $12,685

Client B $25,000 $161 $55,491 $357 $123,170 $793

Client C $50,000 $322 $110,982 $714 $246,340 $1,585

Client D $150,000 $965 $332,946 $2,135 $739,020 $4,335

Client E $2,500,000 $12,431 $5,549,101 $24,917 $12,317,007 $52,632

Client F $3,500,000 $16,526 $7,768,741 $34,007 $17,243,810 $72,807

Client G $75,000 $483 $166,473 $1,071 $369,510 $2,311

Client H $3,500,000 $16,526 $7,768,741 $34,007 $17,243,810 $72,807

Total $10,320,000 $50,591 $22,906,687 $103,655 $50,844,605 $219,954

SMD Personal $10,320,000 $50,591 $22,906,687 $103,655 $50,844,605 $219,954

* APUM after 10 and 20 years assumes an 8% annual compounded rate of return net of fees and assumes no taxes, fees or additional contributions. The investment is compounded annually. The chart shown is hypothetical and is not intended to represent a typical case. Both return and principal value of investments will fluctuate over time. It is unlikely that any one rate of return will be sustained over time. Fluctuations in value will affect the income paid to an IAR.

** Recurring income is payable annually at .0099% of the total APUM times the .65% SMD payout. The example shown is hypothetical.

Average Earnings*

Level Average Highest

SMD (Life and Securities Licensed) $68,945 $593,328

SMD (Life, Securities and Advisory Licensed) $81,865 $908,932

EMD $210,441 $1,100,503

CEO MD $472,194 $1,907,697

EVC $1,220,588 >$10 million

7 *Average and highest earnings as of March 15, 2015. With the exception of the EVC highest earnings, all numbers are rounded to the nearest dollar.

Our Success

*Information listed for number of years as a Registered Representative and total Registered Representatives on a team as of May 29, 2015

Dan & Christine Charlier Beverly Hills, CA

• Prev. Career: U.S. Marine • 17 years as a Registered Representative • 117 Registered Representatives • $1 million+ Earner

Brian & Mary Loiseau Denver, CO

• Prev. Career: CPA • 16 years as a Registered Representative • 124 Registered Representatives • $500,000+ Earner

Jaime & Shawn Villalovos Agoura Hills, CA

• Prev. Career: Health Club Manager • 15 years as a Registered Representative • 178 Registered Representatives • $1 million+ Earner

We have many success stories among our Representatives:*

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Our Success

9 *Information listed for number of years as a Registered Representative and total Registered Representatives on a team as of May 29, 2015

Xuan & Hoa Nguyen San Jose, CA

• Prev. Career: Social Worker • 24 years as a Registered Representative • 1,321 Registered Representatives • $10 million+ Earner

Penny Ooi & Benjamin Eeo Pleasanton, CA

• Prev. Career: Loan Officer • 21 years as a Registered Representative • 232 Registered Representatives • $3 million+ Earner

Bill & Peggy Mitchell Cincinnati, OH

• Prev. Career: Engineering & Financial Services • 23 years as a Registered Representative • 570 Registered Representatives • $1 million+ Earner

It’s Your TimeWhy choose TFA?The power of the Transamerica brand

Representatives from all walks of life helping families from all walks of life

A leading independent broker-dealer with most number of women Representatives*

As an independent Representative you have the ability to provide clients with the resources of a large corporation but with the choice of products and services from multiple well known providers in the industry

Excellent income earning potential

You’re in charge: create your own work/life balance

Opportunity to help others while helping yourself and your family

The need has never been greater nor the timing better

Next StepsDecide if this is the right option for you

Pick up additional information about us

Set an appointment within the next 24 – 48 hours to follow up on this opportunity and have any questions answered

* “The independent broker-dealers with the most female advisers,” InvestmentNews, April 29, 2015, http://www.investmentnews.com/section/broker-dealer-data-rankings?U=custom&F=frps 10

World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer a broad array of financial products and services.

Securities and Investment Advisory Services offered through Transamerica Financial Advisors, Inc. (TFA), Transamerica Financial Group Division - Member FINRA, SIPC, and Registered Investment Advisor. Non-securities products and services are not offered through TFA.

WFG and TFA are affiliated companies.

WFG Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097-1517. Phone: 770.453.9300

TFA Headquarters: 570 Carillon Parkway, St. Petersburg, FL 33716. Phone: 800.322.7161

©2015 Transamerica Financial Advisors, Inc. TFG2970/6.15

1 Credit Card Debt Statistics, Statistic Brain Research Institute, statisticbrain.com, July 12, 2014.

2 Retirement Statistics, Statistic Brain Research Institute, April 8, 2015, www.statisticbrain.com/retirement-statistics/

3 Retirement benefits: Access, participation, and take –up rates, Employee Benefits Survey, Bureau of Labor Statistics, http://www.bls.gov/ncs/ebs/benefits/2014/ownership/civilian/table02a.htm.

4 Status of the Social Security and Medicare Programs, A Summary of the 2014 Annual Reports, Social Security and Medicare Boards of Trustees.

5 “Number of U.S. financial advisors fell for fifth straight year: report”, Reuters, Feb. 11, 2015.

6 Advisors slow to train successors, Andrew Osterland, CNBC.com, May 1, 2014.