Legal Information

1) World Financial Group, Inc. (WFG or World Financial Group) is an independent marketing company whose affiliates offer life insurance and a broad array of financial products and services.

Though this material is intended for informational purposes only and is not intended to, nor should it be, construed as an offer or solicitation for the purchase or sale of any specific securities, financial services or other non-specified item, please be aware that securities products are sold by prospectuses (and only can be offered by a qualified registered representative), which contain more complete information about charges, limitations and expenses. Copies of specific product prospectuses and statements of additional information may be obtained by contacting your registered representative. Prospectuses should be read carefully and the charges, limitations and expenses should be carefully considered before investing or sending money.

Historical performance does not guarantee future investment results.

3) Many people have experienced various levels of success with World Financial Group, Inc. (WFG or World Financial Group). However, individual member experiences may vary.

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

United States of America

5) Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries.

Securities are offered through World Group Securities, Inc. (WGS or World Group Securities), Member FINRA/SIPC (http://www.finra.org).

Only those WFG Associates who are actively registered with World Group Securities, Inc. may offer securities-related products.

6) Order Routing

To access Pershing order routing percentages, please click on the PERSHING link below, then enter WORLD GROUP SECURITIES INC (using all caps) in the field titled "Enter Broker/Dealer's Full Name." Press ENTER or click the "Display" button. Following this, please click on the link WORLD GROUP SECURITIES INC located under the "Search Results" bar.

7) Investment Advisors International, Inc. (IAI) is an SEC registered investment advisor. In Ohio, Texas and Alabama, services are provided under the name of IAI Advisors International, Inc.

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

Securities offered through World Group Securities, Inc. (WGS), Member FINRA & SIPC.

Insurance products offered through World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries.

IAI, WFG, WGS and WFGIA are affiliated companies.

8) Investments in 529 college savings plans involve investment risks.  Although plans are established and maintained by states, the states do not provide guarantees against investment loss, except in certain very limited cases.  As with any investment in a mutual fund or other equity security, an investment in a 529 college savings plan can decrease in value.  Furthermore, although the past performance of available investment options in a 529 college savings plan may be one of several appropriate factors to consider in choosing an investment, such past performance is not necessarily indicative of how a particular investment vehicle will perform in the future.

The earnings portion of a non-qualified withdrawal is subject to federal income taxes and any applicable state income tax as well as an additional 10% federal tax.

Qualified expenses include tuition and fees, room and board, books and other supplies.

This information does not constitute tax advice. Please consult with your tax professional for specific information about your tax situation, including any state tax consequences of an investment.

This product is offered through securities registered representatives. An investor should consider the investment objectives, risk, and charges and expenses associated with municipal fund securities before investing. More Information about municipal fund securities is available in the issuer's official statement.

9) Policy loans & withdrawals will reduce the cash value & death benefit and loans are subject to interest charges.

Securities products are sold by prospectus which contain more complete information about charges, limitations and expenses. Copies of specific product prospectuses and statements of additional information may be obtained by contacting your registered representative. Prospectuses should be read carefully and the charges, limitations and expenses should be carefully considered before investing or sending money.

Certain events and distributions may be subject to taxation and individuals would be responsible for the appropriate liability. This piece provides general information regarding the Internal Revenue Code and does not take into consideration specific state laws. World Financial Group, Inc. and World Group Securities, Inc. do not provide tax advice and strongly recommend that clients consult a competent tax advisor concerning any tax issues relating to their investments.

Variable life insurance is sold by prospectus, which contains complete information on charges, expenses and tax consequences in relation to the policy. It should be read carefully and the charges, expenses and tax consequences should be carefully considered before investing or sending money. Both principal and yield of investment securities will fluctuate with changes in market conditions, and may be worth more or less than the original investment.

If tax-free loans are taken from a variable life insurance policy and the policy lapses, a taxable event may occur. Loans and withdrawals from the life insurance policies that are classified as modified endowment contracts may be subject to tax at the time the loan or withdrawal is made. Early withdrawal may be subject to surrender charges, and if taken prior to age 59 1/2 a 10%IRS penalty may apply. Withdrawals and loans have the effect of reducing the death benefit and cash surrender value of a policy.

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

Canada

11) Canadian associates affiliated with World Financial Group Insurance Agency of Canada Inc. and WFG Securities of Canada Inc.

12) World Financial Group Insurance Agency of Canada Inc. offers life insurance and SEG funds. Mutual funds, and Scholarship Plans in Ontario , are offered through WFG Securities of Canada Inc. Headquarters: 3700 Steeles Avenue W., Suite 400 , Vaughan , ON L4L 8M9 . Phone: 905.265.9005. Fax: 905.265.9044

13) Mutual Funds, and scholarship plans in Ontario , are offered through WFG Securities of Canada Inc., a member of IFIC and MFDA. Life and SEG funds offered through World Financial Group Insurance Agency of Canada Inc. Mutual fund products and investments are sold by prospectus only and are not insured, may lose value and there is no bank guarantee.

World Financial Group Insurance Agency of Canada Inc. and WFG Securities of Canada Inc. are members of the World Financial Group, Global Headquarters – Johns Creek , Georgia .

Copyright & Legal Information

World Financial Group, Inc. and World Group Securities, Inc., and their affiliated companies, provide this site and related services subject to your compliance with the terms and conditions set forth below. Please read the following information carefully:

1) Copyright Information.

All pages within this Internet site ("Site") are the property of World Financial Group, Inc. (WFG) and/or its affiliates. No portion of the materials on these pages may be reprinted or republished in any form without the express written permission of WFG.

2) Trademark Notice.

WFG trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Site, are trademarks of World Financial Group, Inc. or AEGON Asset Management Services, Inc. (collectively "WFG") in the U.S. and/or other countries. All other trademarks, service marks and logos used in this Site are trademarks, service marks or logos of their respective owners. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of WFG or such third party that may own other trademarks displayed on the Site. Your misuse of the Trademarks displayed on the Site, or any other content on the Site is strictly prohibited. You are also advised that WFG will aggressively enforce its intellectual property rights to the fullest extent of the law.

3) Warranty Disclaimer.

This site, including any content or information contained within it or any Site-related service, is provided "as is" with no representations or warranties of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. You assume total responsibility and risk for your use of this Site and Site-related services. WFG, its affiliates and its sponsors are neither responsible nor liable for any direct, indirect, incidental, consequential special, punitive, exemplary or other damages arising out of or relating in any way to the Site, Site-related services and/or content or information contained within the Site. Your sole remedy for dissatisfaction with the Site and/or Site-related services is to stop using the Site and/or those services. Although WFG attempts to ensure the integrity and accuracy of the Site, they make no guarantees whatsoever as to the correctness or accuracy of the Site. It is possible that the Site could include inaccuracies or errors, and that unauthorized additions, deletions and alterations could be made to the Site by third parties. In the event that an inaccuracy arises, please inform WFG so that it can be corrected.

4) Miscellaneous.

This Agreement is entered into in the State of Georgia and shall be governed by and construed in accordance with the laws of the State of Georgia , exclusive of its choice of law rules. Each party to this Agreement submits to the exclusive jurisdiction of the state and federal courts sitting in the County of Fulton in the State of Georgia , and waives any jurisdictional, venue, or inconvenient forum objections to such courts. In any action to enforce this Agreement, the prevailing party will be entitled to costs and attorneys fees. In the event that any of the provisions of this Agreement are held by a court or other tribunal of competent jurisdiction to be unenforceable, such provisions shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect. This Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto are expressly canceled. WFG may modify the terms of this Agreement by posting notice of such modification on a page of the Site entitled "Legal Notices" or "Legal Information" (or similar title) before the modification takes place.

Please consider the Investment objectives, risks, charges and expenses associated with 529 plan investments before investing. Contact your financial advisor for an official statement, which contains this and other important information. Read it carefully before investing. You should consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program.