1. THE WFG WEALTH CRUSADE (for broker/dealer use only, not for use with the public)

8. WHY THE WFG VUL CRUSADE? Why Variable Universal Life is the Most Powerful Financial Tool for Most of Your Clients?

34. Effects of “Target Premium” payment: Hypothetical Gross Rate of Return of 12%(a)

35. Effects of “Guideline Annual Premium” payment: (maximum you can pay without becoming MEC) Hypothetical Gross Rate of Return of 12%(a)

36. INVESTOR 1 $100,000 in a single investment earning 6% per year grows to: $429,187 INVESTOR 2 $100,000 in five investments; three yield poor results, but portfolio grows to: $624,422 $429,187 $100,000 -$20,000 $624,422 $340,001 $216,694 $67,727 $20,000 Investment is Compounded for 25 Years The hypothetical rates of returns shown are assumed on a $100,000 investment compounded for 25 years. These figures are for illustrative purposes only and do not represent the past or future performance of any actual investments. There’s no assurance that a diversified portfolio will achieve a better return than a non-diversified portfolio, many investors who use diversification seek to avoid volatility. VUL Sub-Accounts Diversification Example: 12% 10% 5% 0% Lose $100,000 ($20,000 in five investments)

41. WHY THE WFG MORTGAGE CRUSADE? Why is the Power Option Loan one of the Most Powerful Financial Tool for Most of Your Clients?