General Information:

General Information: Direct Mail: Cost is 42c each with a minimum order of 1,000 pieces totaling $420.00 per thousand Turnaround time from the time I place the order until the response cards come back is approximately 4 6 weeks Each lead order comes with a mailing list that is loaded in the agents M&O website and is there s forever (this is included in the $420.00 price ) The Lead Card that is having the most success is the Retirement Check List (formerly known as the Senior 0806) Appointment Program: Cost is 42c each with a minimum order of 1,000 pieces totaling $420.00 per thousand The cost of the Telemarketer is NOT included in the $420.00 price this is negotiated between the Telemarketer and the agent. The Telemarketer works independent of M&O Turnaround time from the time I place the order until the response cards come back is approximately 4 6 weeks Each lead order comes with a mailing list that is loaded in the agents M&O website and is there s forever (this is included in the $420.00 price) Blitz Bonanza: Costs $1.60 per contact (no minimum, maximum of 800 contacts) Creates 3 communication events for each contact Contact list has 75 people Split into groups of 15 Campaign will run for 7 weeks Bonus Lead Program 50 Free Bonus Leads after the 50 Free Leads, the cost is.04c each The list is 100% cold calls. The list is obtained from a variety of different means.a few examples are: o Individuals who might have refinanced their home recently o Individuals who returned a warranty card Bonus leads are emailed to your agents on an Excel Spreadsheet and the MC is cc:ed on the email Bonus Lead Kit is ordered from Supply and will be sent to your agent regular mail If your agent chooses to mail a compliant flyer, located at Z:\Compliant Marketing Pieces\Flyers\Editable Versions of Flyers to their 50 bonus leads, they will NOT receive the Annuity & You or The LTC & You Brochures or the Bonus Lead Kit

M&O Lead Generation Programs Direct Mail Looking for a low cost way to connect with prospects? M&O s direct mail program allows you to access the mailers and list from a variety of vendors in one convenient place, while leveraging out quantity discount-. Want to design a mail piece of your own? No problem; we can help you get this done as well. And, all lead orders are loaded into our interactive web based management system, providing the ultimate in lead control and management. Appointment Program Ready to work! Looking for 12 to 20 appointments each week? The M&O Marketing Appointment Program is a systemized plan built to provide qualified producers with a consistent income stream through marketing to clients in their homes. This program unites the key elements necessary for success into a seamless, all encompassing sales and marketing system. These key elements include intense hands-on sales and product training, lead generation, telemarketing and advanced data management. If you are ready for a challenge, than this may be the program for you. Combine Direct Mail and Appointment Program to get Perfect Prospects Perfect Prospects is an appointment setting system that gives producers the opportunity to meet appointments on a regular basis, without having to do all the work themselves. This is a form of 1 stop shopping. This program combines ordering leads with a highly trained telemarketer to help you maximize your business and give you the time you need to meet with potential clients. Blitz Bonanza Blitz Bonanza is a marketing program designed to get you in contact with your current database through 3 different means in rapid succession. Sent in batches of 15, week one we ll send a newsletter, week two we ll follow-up with a letter, and week three will be a personal phone call from you. The intent is to get you back in contact with your clients in order to set up reviews and write additional business. Bonus Lead Program How do we spell FREE LEADS? M&O Marketing s Bonus Lead program affords M&O producers with a systemized way to build their client base and sales at a minimal cost. Producers in the program receive 50 FREE Bonus Leads that include the prospect s name, address and phone number (scrubbed against the National Do Not Call Registry). In addition, participants will also receive their choice of 50 Annuity and You brochures or LTC and You brochures with each bonus lead order also at no cost. And if that wasn t enough, your agents can choose to mail one of our compliant flyers in place of the Annuity and You or LTC and You brochures And, if this still is not enough, each agent entering the program and receiving the free brochures (Not Flyers) will get a Free Bonus Leads Sales Kit, including scripts and training CD s to help them maximize the sales from this program.. For complete information regarding these programs Contact your M&O Marketing consultant today at 800-228-5964

Annuity Lead Mailing Order Form SAN #for the National Do Not Call Registry : ( Required) Today s Date: Zip codes In order of preference Cost Per Piece Mailer Name 1 2 3 4 5 42 = Retiree Checklist (0806) Elder Law Update (0304) 42 = Overpaying Taxes LTC Linked Benefit Mailer 2011 Important Retiree Info Piece: Per card costs include Lead Card, Printing, Postage, and the Mailing list! Please note: Each card selected should be thoroughly reviewed by you to make sure it complies with your current state laws List Criteria 6 Age Range: **Income Range: 7 Home Owners Only (no renters): Yes No 8 Other Instructions: 9 Special Notes: 10 **The Income Range provided by list vendors is the least dependable of all of the criteria and only helps to refine the list For more accurate results, it is important that you know the basic financial dynamics of your chosen zip codes. 11 12 --- There is a Minimum Order of 1,000 pieces per card, per mailing --- Lead Piece Quantity: x Price per card cents = (Quantity x Price Per Lead) = $ Lead Piece Quantity: x Price per card cents = (Quantity x Price Per Lead) = $ Method of Payment: Credit Card (amount to be charged) $ Total Due: $ Check (made payable to M&O Marketing ) $ Total Payment: $ (Mail checks to: M&O Marketing; Attention Leads; 4000 Town Center; 11 th Floor; Southfield, MI 48075) Credit Card Information: Circle One: VISA Master Card PREPAID ORDERS MAY BE RETURNED BY FAX TO 248-784 -1430 First Middle Last Billing Address: Phone Cell Address 1 Address 2 City State Zip Credit Card Number Expiration: Month Year I am using M&O Marketing as a company to order lead mailings on my behalf. I understand that M&O Marketing is not responsible for the quality of the lead mailing, or the resulting rate of leads return. I know that lead rate returns are not guaranteed. I acknowledge my agreement to the above outlined terms, and give my authorization to place this order as defined, by signing below. I have either enclosed a check or money order, or have provided my credit card information above, as payment for this lead mailing order. ALL LEAD ORDERS MUST BE SIGNED Signature M & O Annuity Leads 3-31-10 4000 Town Center 11 th Floor Southfield, Michigan 48075 800-228-5964 Fax 248-784-1430 www.mandomarketing.com

REQUEST FOR INFORMATION For FREE information regarding these important elder law changes, return this postage-paid card today. (Area code and phone number ensures proper routing.) Signature Age Spouse s Age Phone EP1.19P11F IMPORTANT UPDATE IMPORTANT NON-GOVERNMENTAL DOCUMENT ENCLOSED OPEN IMMEDIATELY - DO NOT DELAY To Open This Side - Slide Finger Under Edge IMPORTANT UPDATE

IMPORTANT UPDATE Congress has legislation that standardizes entitlement provisions for persons 60 and over. These laws provide the following benefits: Potentially reduce or avoid probate costs and estate taxes. Potentially reduce or avoid income taxes on investments and social security income. Exempt assets from collection by government or nursing home if you become ill. (varies by State) Have higher growth potential than traditional savings vehicles with no downside market risk to principal. AS A U.S. CITIZEN AGE 60 AND OVER, YOU MAY NOW LEARN HOW TO QUALIFY WITHOUT ANY COST OR OBLIGATION UNDER FEDERAL AND STATE LAW. your immediate response is required Not intended to provide, and should not be relied upon for tax advice. Respond and learn how life insurance or annuities can be used in various planning strategies for retirement. IRAs are already tax-deferred under current tax law. 13609-2 037039. Not affiliated with any government agency. NATIONAL PROCESSING CENTER

IMPORTANT UPDATE There is legislation that standardizes entitlement provisions for persons age 60 and over. These Legislative Changes Provide The Following Benefits: Potentially reduce or avoid probate costs and estate taxes Potentially reduce or avoid income taxes on investments and social security income Exempt assets from collection by government or nursing home if you become ill. (Varies by state) Have higher growth potential than traditional savings vehicles with no downside market risk to principal For FREE hard facts and straight answers regarding how these important changes can affect you and your heirs...complete and return this postage-paid card within 5 days! THERE IS NO COST OR OBLIGATION! Signature Your Age Spouse s Age Phone Not intended to provide, and should not be relied upon for tax advice. Respond and learn how life insurance or annuities can be used in various planning strategies for retirement. IRAs are already tax-deferred under current tax law. 13609-2 037039. Not affiliated with any government agency. WIP-EPMO3.1

Attention: IRA/401(k) and CD Owners **INCREASED INTEREST RATE EARNINGS** GUARANTEED Interest Rate of up to 3.5% PLUS Long-Term Care Benefits Did you know: the annual cost of a nursing home room is $67,525 according to a 2009 Survey of National Nursing Care Statistics? Medicare was not designed to cover these and other expenses. s. And you do not want to burden your family with your medical care. So why not earn more interest and make sure your longterm medical care needs are paid for? There plans available with guaranteed 3.5% interest est rates with life are insurance and long term care benefits. If you do not need the benefits, get all your money back with interest., SIMPLY COMPLETE 031001000101 NAME ( ) 031001 000101 9 T1 P1 ****************ECRLOT **C-004 Mr John Doe AGE SPOUSE S AGE 7101 Chase Oaks Blvd Plano, TX 75025-5908 You may be contacted by a licensed insurance agent. LC11G99F Not affiliated with any government agency. LC11G99F

IMPORTANT INFORMATION: TAX INCREASE ON SOCIAL SECURITY INCOME DID YOU KNOW THAT 85% OF SOCIAL SECURITY INCOME COULD BE TAXED? THIS COULD SIGNIFICANTLY IMPACT YOU AND YOUR PLAN FOR RETIREMENT! THE GOOD NEWS IS THAT THERE IS AN INSURANCE PRODUCT THAT WILL ALLOW YOU TO POSSIBLY REDUCE OR ELIMINATE THE TAX ON YOUR SOCIAL SECURITY INCOME. FOR FREE HARD FACTS AND STRAIGHT ANSWERS ON HOW TO POSSIBLY REDUCE OR STOP PAYING TAX ON SOCIAL SECURITY INCOME, RETURN RN THIS POSTAGE-PAID CARD TODAY. RESPOND AND LEARN HOW LIFE INSURANCE OR ANNUITIES CAN BE USED IN VARIOUS PLANNING STRATEGIES ES FOR RETIREMENT. 000000000000 NAME ( ) PHONE AGE SPOUSE S AGE Samp 9 T1 P1 ****************ECRLOT* * * * * * * * * * * * * * * **C-004* 0 Mr John Doe 7101 1 Chase Oaks Blvd Plano, TX 75025-5908 5 5 0 Not affiliated with Social Security or any government agency. 18223-210241 CU53P99F

PROGRAM: Blitz Bonanza DESCRIPTION: Rapid mail campaign WHO IS THIS PROGRAM FOR? M&O Marketing Program Info Sheet Line of Business: Annuities, Life, and/or LTC Production Level: Any Communication Goal: Rapid Contact with each client Frequency: Can make 15 phone calls per week to client list Marketing Type: Direct Mail and Phone Database Management: Clients in ClickAway or Excel spreadsheet Contact Type: Current/Former clients or personal lead list WHAT IS THIS PROGRAM? Costs $1.60 per contact (no minimum, maximum of 800 contacts) Creates 3 communication events for each contact o 1 st Communication Personalized client newsletter Seasonal newsletter Includes your contact information, your picture(optional), and a corner for your personal message Features tips for the season, financial facts, puzzles, and more o 2 nd Communication Personalized follow up letter o 3 rd Communication Individual phone call Master list of clients is broken into smaller lists of 15, each list will be contacted by following example schedule below Contact list has 75 people Split into groups of 15 Campaign will run for 7 weeks as follows: Week 1 Week 2 Week 3 Week 4 Week 5 Week 6 Week 7 Group A Newsletter Letter Phone Group B Newsletter Letter Phone Group C Newsletter Letter Phone Group D Newsletter Letter Phone Group E Newsletter Letter Phone WHAT ARE THE EXPECTATIONS OF THIS PROGRAM? Of the Producer Send your contact list to M&O as an Excel spreadsheet Must allow for 2 weeks from entrance to program for first newsletter sent Contact 15 clients by phone each week according to the schedule as emailed Able to pre pay based on contact list May not add contacts once program has begun Notify marketer on any returned items (bad or changed addresses) Of M&O Marketing Weekly emails to producer identifying pieces mailed that week and list to call Print and mail all pieces by Friday of each week Maintain master contact list Provide content for: newsletter, follow up letter, and follow up phone call script

BONUS LEADS ORDER FORM Agent Name: Nat l Sales Director: Address: City: State: Zip: Date Enrollment approved: SAN # Lead Request Date: 1st Other: (fill in qualifying app info below) Qualified apps: Date Written App 1 App 2 App 3 App 4 App 5 App 6 Type (LTC, Life. SPIA, EIA, Deferred, etc.) Client: Amount: Carrier: PART ONE: Please choose one personalized flyer from those listed below. These will be sent to the bonus lead list on your behalf. Time Is Money Flyer Fireproof Flyer Tax Deferral Flyer New Math Flyer Roller Coaster Flyer Guar. Income Flyer PART TWO: Please fill in the 50 FREE LEAD request details. This is the list your personalized flyers will be mailed to. Additionally, you are expected to call and follow up with the list after your mailing. We ve provided a phone script to use as well. Zip Code(s) listed in order of preference: Demographics Requested: Age Range: Income Range: Gender: M F Both Additional: 800-228-5964 4000 Town Center, 11 th Floor Southfield, Michigan 48075 www.mandomarketing.com

OR:instead of flyers choose whether you d like The Annuities& You or the Long Term Care&You brocue. You may order 50 free of charge for each qualifying application listed on the reverse side. These brochures will be mailed directly to you. Annuities & You Quantity: Long Term Care & You Quantity Have you written 6 or more qualified applications? No Yes If yes, you are eligible for preferred agent status and to receive your brochures personalized, which includes your photo (optional), contact information and biography. (Preferred agent status is reached only after 6 Qualified Applications see Information sheet for complete details). If you answered yes to the above question, please fill out the biography sheet below. AGENT BIO Family Info (marriage, children, etc): Education: Community Involvement/Hobbies: Awards/Recognition: Work History: Other Notable Accomplishments: Member Approval Signature: Date: PLEASE FAX COMPLETED, SIGNED FORM TO: M&O Leads Department 248 784 1427 800-228-5964 4000 Town Center, 11 th Floor Southfield, Michigan 48075 www.mandomarketing.com