WFG Compensation Schedules: U.S. & Puerto Rico Effective 2/1/2011 Alternative Field Title

Training Associate Associate Senior Associate Senior Marketing Director

Level

All Variable Products1 & IAI

Fixed Products Other1

WRL FGIUL & 20-and 30-Year Term1,2

Product Payout %3

Product Payout $

1 10 15 20

25% 35% (10%) 45% (10%) 65% (20%)

25% 35% (10%) 45% (10%) 65% (20%)

23.7% 35.6% (11.9%) 43.5% (7.9%) 64.0% (20.5%)

30 45 (15) 55 (10) 81 (26)

$660 $991 ($331) $1,211 ($220) $1,781 ($570)

65%

65%

64%

81

$1,781

10% 5% 3% 2% 1% 0.5%

12% 6% 4% 3% 1.5% 1%

13.4% 6.3% 4.0% 2.4% 1.6% 0.8%

17 8 5 3 2 1

$373 $175 $111 $67 $45 $22

21.5%

27.5%

28.5%

36

$793

5.75%

7.5%

7.5%

9.5

$209

100.00%

100.00%

100.00%

126.5

$2,783

Total Base Shop 1st Generation 2nd Generation 3rd Generation 4th Generation 5th Generation 6th Generation

25 30 35 40 45 50

Total Generational Overrides BOS2 BOM2 OSJ2

71 72 73

Total Supervisory Overrides2 Bonus Pools TOTAL

Compensation Example WRL GIUL - $2,200 Annual Target Premium

1.25% 5.50% 1.00%

7.75% 87

1 Percentages for 1st Year, Excess, Renewals and Trails. 2 All supervisory overrides and supervisory positions listed are attainable only by registered representatives. Commissions earned on variable business only. 3 T his example only applies to fixed WRL products that pay 126.5 to the field, including FGIUL (Bands 1, 2 & 3) and 20/30 year fixed. For example, at Level 20/Senior Marketing Director (SMD) the product payout % is calculated by multiplying 64 x 126.5 = 81. WRL FEB II pays 126.5 points, but according to the Variable Products 100% schedule. The World Financial Group Commission Schedule, Compensation System/Program and Promotion Guidelines are subject to change at any time. ©2011 World Financial Group, Inc.

For Internal Use Only.

2543A/3.11