ф onthly publication ee of American Income Life and National Income Life

Roger Smith

Chief Executive Officer AIL & NILICO

It’s Time

Each year at the Fall SGA Meeting, I announce the theme for the coming year. I usually open with a story that helps to segue into the theme and why I feel it's important to allow those words to direct us for the next 12 months.

This year I knew I had to cut to the chase. My perspective of time is changing; it’s possible that my 60th birthday, which we celebrated while we

were in Las Vegas, has made time seem more finite. Our theme for 2013 is 25 Time.”

Неге the thing about Iż Time: when it's spoken, something dramatic is going to happen. When Arnold Schwarzenegger says it, something is going to blow up. When Superman says it, he’s about to save the world. Something HUGE is about to happen... imminently. Not next month — not next week — not the day after tomorrow. Its Time now!

То paraphrase the playwright Arthur Miller, saying Tts Time” is like throwing a ticking time bomb through a window.

Let me give you a more personal example that most of us can relate to. Obviously, I'm talking from the perspective of a guy and a dad, so for the

women (especially moms) reading this, feel free to add a fist pump or an amen!

Here’s the thing: when your pregnant wife says, "Honey, it’s time," YOU GO NOW! Under no circumstances do you say, "Let me just finish lunch" or "Cant it wait ‘til the game is over?"

When she says, “7/2 Time,” you better be on your feet, suitcase in hand or youre going to be playing doctor! Something life changing is about to

happen and things will never be the same again. Ready or not.

That is where we are today.

Tm not saying that we are about to birth a baby. That's what Mr. Rapoport did when he founded American Income. I am saying that it's time our baby — the one we call American Income, National Income, Union Heritage — grows up to be the man or woman that it was meant to be!

At this time last year, I asked you to join me in taking a Leap of Faith. You responded by delivering a string of unprecedented record-breaking months. And you crushed it in October by making it the second largest month of the year and the best October in the history of our great company!

So far this year, you generated more than 3 times the number of referrals than we did in the entire year of 2011. Of course, the increased referrals produced more sales, more profit for you, more revenue for the Company and even more leads.

It all sounds pretty good, doesnt it? And it is, if you are looking at the accomplishments alone. But if you look at it with the idea of what "can be” in mind, then you start to understand the urgency.

And most importantly, we must operate from a position of strength to accomplish these ambitious goals.

The stronger we are, the greater the opportunity for all of us and the better we are positioned to empower even more people so they can create better lives for their families.

Iam always surprised that when a company announces they are creating 2,000 or 3,000 jobs, it's exciting news and people take note. It's time that American Income causes an effect on the economy. Instead of creating 2,000 or 3,000 jobs, how about if we create 20,000 or 30,000 jobs? Opportunity stands strong at American Income and I think 22 Time that we let the world know it.

'The more people we empower, the more we can do to help protect working families from financial hardship. /2 Time we made it our mission to protect the 36 million people in our demographic that studies say do not have enough life insurance to protect themselves and their families.

Its Time that we help ensure the children of working families have a real chance

to receive the higher education every child deserves and every parent wants.

The stronger we are, the more we can stand up to the injustices in this world and give a voice to those who have little or none.

The motivator Jim Rohn said, “Without a sense of urgency, desire loses it value.” Its Time to be driven by that sense of urgency. We cant be content to wait and see

what will happen. 22 Time for us to make the right things happen.

Its Time to push the limits of what we think we can do, how far we think we

can go. Its Time to recognize just how important this great company is.

Its Time to step up and create our destiny.

a News.Page

: spotlight

Published monthly by American Income Life Insurance Company for the dissemination of information to its Producers. Prior permission must be obtained from American Income for reproduction or other use of material herein.

Managing Editor Sam Yarbrough syarbrough@ailife.com

Writer & Copy Editor Leah Fry Icfry @ailife.com

Lead Designer Annalee MacFie amacfie @ ailife.com

Graphic Designer Jonathan McGinnis jpmcginnis@ailife.com

Multimedia Designer Curtis Kenney cekenney @ailife.com

Contributors Daniel Acton Becky Brown Karen Curtis Paula Clements Barbara DuPree Carrie Eckles Lana Giebe

Angel Henderson Mary Lampert Lisa LaValley Mufieca Moody- Yanez Pat Nevarez

Teri Porter

Amy Rivera Robyn Talley LaTonja Wilkerson Rhonda York

Home Office 254-761-6400

Web Sites www.ailife.com www.nilife.com aillaptopondemand.com www.ailacademy.com www.mylifeatail.com www.mylifeatnilico.com www.ailnews.com

Social Media www.twitter.com/AIL_NILICO E wwfacebook.com/AIL.NILICO www.youtube.com/AlLifeT V

Recruiting Support www.ailife.com/recruiting

© 2012 by American Income

sga career track New Markets Opening & Expanding

There is a growing need for ambitious leaders.

AIL/NILICO is looking for MGAs and GAs wanting to pursue the SGA Career Track. If you are interested, speak to your SGA, then send an email to: futuresga@ailife.com.

total bonuses paid out This month AIL and NILICO paid a total of $3,402,970 in bonuses. For more information on the monthly bonuses, turn to Page 32-37.

Total: $3,402,970

required retention rate

Effective Jan. 1, 2012, to be eligible for bonuses and be featured in Spotlight, Producers must meet the required Retention or the minimum Net to Gross. Net to Gross varies based on bonus guidelines and is used only during the Producer's first eight months. The rates listed below are for Spotlight recognition only.

Retention: 69.0% Net to Gross: 78%

dates to remember

eApp business and paper applications subject to the 7 day hold should be uploaded or sent to Home Office by Friday 12/21 before 2:00 P.M. CST. Paper apps for areas excluded from the 7 day hold and PR credits must be at HO by Thursday 12/27 to count for December production.

notes of Importance

To encourage self-employed PR Reps and PR Managers to save for retirement, AIL/NILICO offers an opportunity to receive matching bonus contribution funds into a qualified retirement account

based on years of service as a self-employed PR person. Review appropriate regulations for contributions in the UFCW 1518, OPEIU 277 and CEP 247 union agreements, since rules differ for U.S.

and Canada contributions. For more information, contact Wendy Copeland at wmcopeland@ailife.com.

) record breaker tor се)

Mark Neilson Personal Producer $95,151 Net ALP *Read more on page 15

* look for the asterisk

ll direct code training bonus

g pg. 04

Q3 contributions

pg. 13

leadership academy

pg. 16

closer to the heart

pg. 19

SGA meeting

pg. 20

LOOK FOR ME!

The asterisks, shown throughout the magazine, indicate that place will be a year-to-date award winner. The Producers, who will be recognized at the 2013 Awards Presentation, are: the top SGA from each category based on YTD First Six Month Objective Percentage plus YTD Net ALP growth percentage, the top two RGAs, the top five MGAs, the top five GAs, the top SA, and the top ten Individual Producers, the top two PR Representatives from each category, and the top three PR Managers. You can view the 2013 Convention Qualifications online at www.ailife.com or www.nilife.com. Check your production! If there is an asterisk by your position, you could be on your way to stay at the wonderful Hilton Riverside located

Life Insurance Company

in New Orleans, Louisiana! The convention will be held June 2-5, 2013. 02 Spotlight November 2012 ІШ It’s Time

Please Note: All qualifiers listed achieved at least $500 in bonus totals.

Contest ends December 31st, 2012. For full bonus details, visit www.ailife.com/arc/spotlight.aspx

GONTEST EXTENDED!

SA, Name Bonus SGA Nare Bonus SGA Name Bonus SGA Zachary Frentsos $1,992 Surace-Smith Ho Tran $1,074 Altig-Orlovic Steven Sparkes $649 Altig-Orlovic David Schanuel ,972 Dorian Oldham Kristopher Washington 1,070 Scott Sonnenberg Ronald To 643 Brian Traboulay Reuben Rios-Cruz ,914 Matt Henderson Bernadette Casciato 1,067 Simon Arias Rachel Arenas 638 Chad Deley Vatapuia Vavau ,871 Steve Friedlander Eluerecia Guzman 1,066 Maria Greene Musediq Abdul 635 Josh Chalom Michele Kirk 7851 Oldham-Bianchi Lora Beronja 1,061 Chris Hernandez Joseph Schneider 634 Cohen-Cohen Philip Roffi ‚844 Cindy Furer Antonio Reyes 1,021 Simon Arias Nathan Gay 630 Simon Arias Richard Nypower 7841 Altig-Orlovic Michael Turney 1,005 Sabrina Lloyd Tony Geer 624 Surace-Smith Tara Weisz ,186 Josh Chalom Brendyn Muise 993 Altig-Orlovic Christopher Earle 621 Williams-Zophin Scott Wheeler „781 Imran Satti Tiare Hubbard 987 Altig-Orlovic Tammy King 620 James Bailey Joseph Duran ,713 Бап Rubio Steven Stensrud 980 Altig-Orlovic Zbigniew Stankiewicz 619 Fred Hadayia e Christopher Kennedy „7166 Surace-Smith Jason Engelman 975 Jatoft-Foti Robert Gibson 617 Joseph Diecedue 5 Ф: Егіп Мооге ,750 Imran Satti Christopher Akins 972 Laura Fisher Hakan Ozalpasan 616 Cohen-Cohen EL Ж 7. . ЫР р Gretchen Spain ,738 Brandon Cooley William Cline 970 Mark Hancock Sara Gilley 615 Altig-Orlovic-Hay : SR 1 u Brandon Smith ,133 Bob Wingate Ofa Tavake 967 Steve Friedlander Melody Ferguson 615 Jeremy Welch Brandi Hershey ,725 Brandon Cooley Ryan Polz 955 Alt-Orl-Venekamp Anthony Ventura 611 Oldham-Bianchi ІШІ ШІ ШІМ TRADERS / Timothy Wilson ,706 Philip Prata Michelle Malinov 952 Giglione-Ackerman Hannah Foster-Blaszyk 610 Surace-Smith P T Yihao Chen ,653 Altig-Orlovic Prentiss Parker 952 Cohen-Cohen Larry Finch 604 Matthew Hogan Oscar Portillo ,646 Steve Greer Mike Bray 949 Imran Satti Ruben Santillana 602 Steve Friedlander Amanda Zophin ,645 Williams-Zophin Christopher Mendes 944 Giglione-Ackerman Antonio Evans 593 Chris Hernandez Stephanie Ellerton ,616 Richard Correa Arnaecia Alridge 937 Steve Greer Eric Trautloff 582 Cindy Furer Amie McCracken ,603 Richard Correa Ileana Rosas 926 Соһеп-Соһеп Paul Wood 582 Alex Roland Jean Joseph ,602 Williams-Zophin Angela Pronti 923 Surace-Smith Tay Krause 579 Javier Sandoval Denice Copp ,596 Imran Satti Daniel Doherty 923 Jeffery Thiel Matthew Porter 570 Altig-Orlovic Cory Hobbs ,567 Mark Hancock Michael Roe 915 Bob Wingate Mark Hileman 568 Desi Dimitrova Mir Khan ,563 Theodore Pappas Jorge Guerra 908 Giglione-Ackerman Shorne Brown 568 Fred Hadayia Maria Ramirez ,562 Bob Olson Duane Shaw 905 Sabrina Lloyd Austin Wallace 565 Simon Arias John Napiza ,561 Jatoft-Foti Theresa Perea 904 Desi Dimitrova Peter Mello 559 Cisco Perez Fuaifale Mauu ,550 Steve Friedlander Jaman Testerman 903 Cindy Furer Jodi Bohdal 558 Fred Hadayia Shelly Cullen ,510 Steve Friedlander Spencer Rowland 902 Altig-Orlovic Caleb Longley 558 Oldham-Bianchi Andy Jaikaran ,507 Matt Henderson Wendy Sotelo 894 Desi Dimitrova Carl Carlberg 557 Соһеп-Соһеп Michael Polakowski ,481 Simon Arias Richard Bell 888 Imran Satti Aldina DaRosa 554 Josh Chalom Taina Lameko 7481 Steve Friedlander Ronnie Patea 876 Steve Friedlander Hugh Thompson 554 Williams-Zophin Brian Allt 7470 Imran Satti Ronald Kutruff 874 Simon Arias Lynn Wojtowicz 553 Dorian Oldham ASHLEY ІШІН diii ШІН! ALBERT ҮШ | ROBERT ETE Davi guzman Jason Wilk 7450 Simon Arias James Summers 874 Theodore Pappas Philip Russo 549 Simon Arias Ashley Gregg „432 CunningmamdWeatherspon Nicole Sanders 871 Surace-Smith Melody Short 535 Travis Moody $6,134 $4,610 $4,431 $4,098 $3,933 Maren Conway 7430 Fred Hadayia Robert Martin 870 Dorian Oldham Ryan Leong 535 Jatoft-Foti Surace-Smith Surace-Smith Simon Arias Surace-Smith Surace-Smith Lawrence Reardon ,424 Simon Arias Caio Rosa 868 Williams-Zophin Steve Marker 534 Altig-Orlovic-Hay Kyle Lewicki ,417 Surace-Smith Alofi Suasua 862 Steve Friedlander Michael Gittleman 529 Philip Prata ШІ BONIS ШЫ October Bonus Payout $435 , 089 Cynthia Schneiderman 1,414 Sabrina Lloyd Joshua Davidson 860 Surace-Smith Alex Grakhov 529 Surace-Smith nee Melissa Quintal 7413 Joseph Diecedue James Kelly 856 Steve Friedlander Polina Philbin 528 Fred Hadayia October Bonus Qualifiers 711 Leah Stoltz ,813 Fred Hadayia Joy Nardone 847 Chris LaFond Michael Ludgate 526 Eric Neal 3 В David Frederick ,407 Mark Hancock Adrienne MacKay 842 Joseph Diecedue Starlet Luczon 524 Altig-Orlovic Name Bonus SGA Name Bonus SGA Gregory McDuffie 7405 Matthew Hogan Mark Gorman 841 Simon Arias Seth Reising 524 Tiffany Roland 1 Ashley Wenning $6,134 Surace-Smith 26 Unique Hunnicutt $2,444 Alex Roland Tevita Tupouniua ,405 Steve Friedlander Randy Ocampo 838 Altig-Orlovic Tilly Roebeck 523 Steve Friedlander Brian Jerome ,403 Williams-Zophin Tamara Hughes 827 Kevin Davis Orin Dutra 522 Altig-Orlovic 2 Adam Huck 4,610 Surace-Smith 27 Lawerence Smith 2,437 Steve Greer Christopher Buonanni 1,403 Matt Henderson Sione Maumau 826 Steve Friedlander Kenneth Jefferson 521 Bob Olson 3 Albert Serur 4,431 Simon Arias 28 Brodie Fischer 2,430 Imran Satti Jasmine Milton ,40 Bob Olson Charles Fischer 819 Simon Arias Marland Lout 517 Joseph Diecedue Jesse Spencer „400 Oldham-Bianchi Shaun Johnson 818 Chad Deley Leah Warner 514 Steve Greer 4 Robert Richman 4,098 Surace-Smith 29 John Galindo 2,401 David Hausman John Leggio ,393 Theodore Pappas Minh Phung 797 Scott Rehberg Corey Bryant 514 Tim McAdams А R А Juan Cardona 738 Bob Wingate Andrew McCarthy 797 Altig-Orlovic-Hay Alisha Armand 507 Theodore Pappas 5 David Guzman 3,933 Surace-Smith 30 Samuel Nudelman 2,399 Surace-Smith Robert Biser ,380 Surace-Smith Stephen Darrington 793 Surace-Smith Daniel Walton 507 Surace-Smith 6 Rajendra Narine 3,707 Giglione-Ackerman 31 Karolina Debek 2,381 Sabrina Lloyd Alexander Dorey 7376 Imran Satti Leslie Austin 791 Bob Wingate Kimball Sprague 506 Jeremy Harbin Larry Giddens 736 Steve Greer Erin Moyer 789 Giglione-Ackerman Matthew Crossman 506 Philip Prata 7 yle Wrobel 3,603 Cunningham-Weatherspoon 32 Eric Peyton 2,333 Surace-Smith Ronald Esmon ,346 Joseph Diecedue Ikani Fifita 786 Steve Friedlander Thaddeus Stansberry 501 Joseph Diecedue 8 Pamela Altman 3,535 Surace-Smith 33 Anthony Batista 2,308 Theodore Pappas Kate Daye 7319 Simon Arias John Sikora 780 David Hausman Michael Stewart 500 Altig-Orlovic Jordan Freeman 731 Steve Greer Michael Gerstein 776 Giglione-Ackerman 9 Ryan Fickert 3,393 Surace-Smith 34 Wendy Pierre 2,295 Williams-Zophin Justin Tyburski 7286 Simon Arias Peter Van Der Westhuizen 775 Richard Correa g 10 Andre McCallum 3,331 Surace-Smith 35 Jennifer Kinder 2,262 Dorian Oldham 1... pe 2... 2... a siii - ^ : 11 Michelle Crowe 3,210 Simon Arias 36 Paul DeRenzo 2,220 Simon Arias Tamoy Redwood 7250 Matt Henderson Charley Forshee 746 Jeremy Welch . Kardel Brooks ,249 Matthew Hogan Kelly Pilling 744 Slav Bitman " L 12 Aaron McLean 3,104 Imran Satti 37 Kyle Taylor 2,211 Travis Moody Marc Salvaggi ,243 Surace-Smith Lamin Jallow 744 Cisco Perez 13 Richard Whyte 3,044 Brian Traboulay 38 Erin Allen 2,202 Richard Correa x Bloor! оаза тоза Pon Ee DOVRETE ime Chris eee Isaac Hernandez ,233 Desi Dimitrova Phyo Phyo 738 David Hausman 14 Andria Standifer 2,966 Brandon Cooley 39 William Brookshire 2,167 Richard Correa Ryan Hernandez 7216 Bob Wingate Kristan McConnell 737 Matthew Hogan А i : Р : Sara Vaz ,211 Altig-Orlovic Kevin Grenoble 707 Simon Arias 15 Nicholas Moore 2,767 Oldham-Bianchi 40 Antonio Bond 2,150 Surace-Smith Devin Dingey ,207 Surace-Smith Jonathan Zyznar 701 Surace-Smith 16 Matthew Conrad 2,757 Surace-Smith 41 Catherine Gennaro 2,142 Theodore Pappas Cynthia Sittig ,199 Simon Arias Joshua Hill 700 Sabrina Lloyd Amelia Ropetikilifi ,194 Steve Friedlander Scott Davison 699 Steve Greer 17 Delilah Abuosba 2,710 Bob Olson 42 Shawn Donnelly 2,130 Laura Fisher Nadezhda Vitchev ,183 Cindy Furer Eric Hidy 694 Dorian Oldham ; А ; , Calvin Irving ;156 Theodore Pappas Thomas Tiller 686 Jeffery Thiel 18 Robert Burdi 2,703 Sabrina Lloyd 43 Valerie Cormier 2,118 Steve Greer Robe Peake ies murede-cSntth MiShasl Beunsld sae Conrado smith 19 Nicholas Powell 2,692 Altig-Orlovic 44 Christopher Vasu 2,116 Surace-Smith Gretchen Crady ;152 Chris Hernandez Tyler Stewart 681 Simon Arias А : А Ronald Baldwin ,151 Simon Arias Vicky Ducharme 680 Javier Sandoval 20 Derron Alexander 2,670 Theodore Pappas 45 Sokol Fazliu 2,104 Simon Arias Kevin Huber ,149 Eric Neal Jithin Thomas 677 Giglione-Ackerman 21 Darrell Asbell 2,669 Altig-Orlovic 46 Michael Shaba 2,081 Brian Traboulay Newman Hoverd ,141 Steve Friedlander London Burnett 676 Surace-Smith Billy Jones 7139 Scott Sonnenberg Ian Noble 672 Slav Bitman 22 Joshua Cosentino 2,577 Simon Arias 47 Dustin Brooks 2,065 Jeffery Thiel John Stankoski ,129 Simon Arias Donna Trotta 672 Theodore Pappas ° А j d ; : 4 Marcus Mood ,125 Matthew Hogan William Myatt 668 Brandon Codley 23 Konnor Wyly 2,544 Joseph Diecedue 48 Denise Hewison 2,042 РАВЗА с Kaitlyn i "121 Oldham-Bianchi Prank Cosas 657 Altig-Orlovic 24 Andrew Paogofie 2,493 Steve Friedlander 49 Michael Stuver 2,035 Surace-Smith, Hector Carrillo ;118 Brandon Cooley Zachary Santino 652 Oldham-Biancgi Е Priscilla Nelissen ,075 Desi Dimitrova Matthew Davidson 652 Matt Henderson 25 Brooke Spain 2,481 Brandon Cooley 50 Christopher Chovanec 2,001 Steve Greer Ashley Delevieleuse ,074 Philip Prata Trauja Purifoy 6529 Maxieiianegck Е m ? à e 04 Spotlight November 2012 ІШ It’s Time А * à i ° e e . ы б e e т е о 3 о % B e

34 Years of Service Donald Spohn, PR 30 Years of Service Josh Chalom, SGA James Surace, SGA 29 Years of Service Don Foti, SGA Cindy Furer, SGA 26 Years of Service Mark Bleier, AGT Irene Rurycz, PR 25 Years of Service Billy Sauers, PR

24 Years of Service Erik Graham, MGA 21 Years of Service Rona Pileggi Spano, PR 19 Years of Service Robin Andrade, PR Chris LaFond, SGA 18 Years of Service Laurie Gruber, PR Laurie Onasch, PR 14 Years of Service Paul Rumbuc, SGA Scott Sonnenberg, SGA

13 Years of Service Mark Gagliardi, PR Al-Karim Walji, AGT 12 Years of Service Janice Dixon, AGT Sharone Manone, MGA Arthur Westergren, AGT 11 Years of Service Harold Canter, AGT

ohn Farley, AGT JT Tasker, PR Cynthia Wilhelmi, AGT 10 Years of Service Philip Currie, AGT Robert Dunn, MGA Ronald Friedlander, AGT Saeideh Nessar Ali, AGT 9 Years of Service Willie Hayden, AGT

Eric LaBossiere, MGA Maijargal Sukhbaatar, AGT 8 Years of Service Robert Appel, GA

Dawn LeBlanc, AGT Brandon Teter, RGA

1 Years of Service Steven Edgell, AGT Sabrina Lloyd, SGA Dennis Titcombe, AGT 6 Years of Service Noel Ables, MGA

Katy Hogge, PR Lorenzo Lameko, MGA Robert Webb, AGT

5 Years of Service Jennifer Holliday, AGT Kevin Holtz, GA

Karen Sessing, GA Amy Shui, AGT

Eric Trautloff, GA

4 Years of Service Andrew Aaron, RGA Justin Adams, RGA Rajeev Arora, AGT Frank Cousins, SA Diane Crawford, AGT Lori Dacyk, MGA

Dee Hettinger, PR Lacy Martin, PR Lleison Martinez, AGT John Passi, SA

PROMOTIONS

State General Agent Christine Judge

Chris Lussier Regional General Agent Syed Quadri

Samer Saati Samantha Sliger Krista Thieme

Brian Wilson

Master General Agent Ahmad Abdollahzadeh-Parsa Benjamin Ainscough Bobby Beatty Nicholas Clark Gian-Paolo Diberardo Alexander Dorey Aaron Garcia

Nicki Griffiths LaLitha Janardhanan Cameron Kline Alisha Kluttz

Lorenzo Lameko Jason Lassic

Amie McCracken

Joy Nardone

Daniel Rapp

Michael Romeo Rachel Wade

60% General Agent Jonathon Anderson William Brookshire Dustin Brooks Devon Chapman Robert Gibson James Harrison David Higa

Steven Huenergardt Tay Krause

Mary Reed

Keven Silvia

Andria Standifer James Speek 57.5% General Agent Lisa Balogh Melissa Beauchamp Tawana Boyd

Lewis Clack

Enero Cooper Alexandra Curtin Aja Devore

Mark Diebolt Nicole Epstein Jamie Gardner Jenna Grula

Daniel Jarach Jeffrey Layton

06 Spotlight November 2012 ІШ It’s Time

Christopher Madsen Joannabelle Magneson Chad McLaughlin Roberto Nieves

Alan Pazmoran

Wendy Pierre

Kelly Pilling

Marveliz Polanco Matthew Porter

Tamoy Redwood

Sean Velasquez Alireza Yaesubi

55% Supervising Agent Christopher Alderson David A Alvarez Dominic Bellamypama Carolyn Bishop Shawny Blankingship Marsha Bolden Maleah Bourda Gregory Brevelle Robert Burroughs Veronica Carrion Howard Cho Elizabeth Conley Fadi Farha

Scott Gardner Russell Holzer

Yadollah Pourjalali, GA Rob Speers, AGT Clinton Talbert, AGT Bruce Viaje, GA

3 Years of Service Adeyemi Akinade, MGA Derron Alexander, GA Scott Davis, SGA

Scott Davison, GA Mack Doby, RGA

Lee Fivenson, PR

Mark Glazer, GA Andrew Helgeson, MGA Nic lagulli, AGT

Robert Nolan, MGA Alicia Olson, AGT Sheree Risley-Aragon, AGT Jose Rubio, AGT Patrena Smith, PR

Ofa Tupouniua, MGA Ellen Weinstein, SA Cherri Xie, MGA

2 Years of Service Michele Angelini, AGT Christine Curran, MGA Devin Dingey, SA

Ryan Jacobs Kenneth Jefferson David Koons Minnie Lee Mynor Lemus Keith Liddell Daniel Maslanka Naven Mason Justin McDonald von Miller lenn Miller

Valeree Miller

Paul Nadelman Shawna Paramo-Laviolette Robert Park Carol Peel Tanya Potter Joe Ramirez Robert Rowell Sheryl Roy Shannon Ruffin Dustin Smith Michael Sudzina Erica Terneus Josh Tompkin Gabriel Tucker Autumn Turner Alfred Valencia

Lynn Doolittle, AGT Alexander Dorey, MGA Brian Giffin, SA

Brian Jerome, GA Armound Khodaverdi, AGT Sean Kiersztyn, GA Kody Kramme, MGA Lamar Livingston, AGT Chin Long, SA Olukushe Mason, AGT Julia Misluk, GA Antonio Monica, MGA Raphael Musto, GA Kelly Ryan, AGT Marc Salvaggi, 5

Senelinah Talamaivao, AGT Lisa Verlander, PR Markena Ward, AGT

Bobbi Wiatr, AGT

Emily Youngpeter, SA Amanda Zophin, GA

Jane Callies Katherine Campbell Martin Carbo Vincent Carll Jacqueline Castro Gavin Chung Oluwaseun Cole William Cole

Ryan Coleman Michael Coulthard Francisco Cuadra Donald Devoise

1 Year of Service

Jonathon Anderson, GA

Ronald Baldwin, SA Christine Barbour, GA Casey Cash, GA

Dutra, A Valen Eberhard, SA Lydia Ertle, SA Brodie Fischer, GA Justin Fisher, SA Kenneth Fredieu, AGT Angela Garnett, AGT Pamela Garrett, Michael Gerstei:

Р

Michael Dibona Patrick Dreelan Marcos Suna Jeffrey Edwa

Loretta Ekeroma Troy Elliot Joshua En

Richard Faller Brian Fleuridor Donald Frost

Aren Jackson — Jason Johnson Shawn Johnson Clarence Jones Devin Jump

Juan Justiniano Bheskar Kallicharan Jocelyn Kehr

Scott Kelley

Isaac Hernandez, GA Denise Hewison, SA Charles Hood, SA Nectaria Horos, AGT Adrian Johnson, SA Darryl Johnson, SA Jason Johnson, SA Emlen Kahoano, SA John Kaster, AGT Jonathan Laaker, MGA Minnie Lee, SA Gwendolyn Macool, AGT

ew Mar, GA Marchese, SA Claudine Fatima Martin, SA

Andrew McCarthy, SA Michael McPherson, SA Andrew Mela А William Myatt, Carlos Myers, SA Priscilla Nelissen, Lysa Nguyen, SA Stephen Norman, AGT Hakan Ozalpasan, SA Andrew Paogofie, SA Kershawn Payne, GA

Sharlene Key

Thomas King Id Knight ennifer Kopitski

Charmaine Lam Raymond Lau Angela Law Isha Lewis Joey Lin

Darryl Lockett Zepher Loesch Michael Lomas Nejala Mackey Anshul Malhotra Darrick Mallett John Malloy Kristopher Meal Daniel Melendez Dale Meyer David P Miller Nadia Million Jimmy Moore Jonathan Ng Brittney Nunn Jeanette Ortiz Philip Parrott Victoria Perea Tram Pham

Alan Pazmoran, GA Jeffrey Pearce, SA Cynthia Peterman, AGT Oscar Portillo, SA Lynne Porturas, AGT Robert Ringelsten, AGT Helena Ronci, SA Hector Sartori, AGT Joseph Schneider, GA Nir Sharon, AGT William Shockley, SA Leroy Simpson, SA Joseph Smith, SA

Lisa Smith, AGT Wendy Sotelo, SA Marcus Street, GA Janko Todorov, SA Joseph Walaan, GA Noah Waldman, SA Alexandra Wolter, SA

Christopher Lussier

October 29 Tennessee

Chris was recruited into the DiChiaro/Correa Agency in Denver in 2010 after responding to a Craig’s List ad. “Burned out on the cubicle environment,” Chris also had a desire to own his own business and to lead and grow his own team. He says he has a never-say-die attitude, a strong belief in Opportunity Unlimited and in himself. Chris and wife Jennifer live in Memphis with their children Soleil, Phoebe, Matthew, Genevieve, Cecilia and Timothy.

Chayna Phillips Michael Prestridge Alberto Puig

David Riddle Kenneth Rienth Kevin Rigney Raymond Ross Brian Rusk

Gian Shaw

Leroy Simpson Brien Standifer Kayla Stewart Christopher Straccialini Charlton Strickland Susan Stubbs Todd Taylor

Kevin Thomas

Kurt Thomas Leonard Transifguracion Christy Vadala Andrew Vankleeck Clarence Waller Sean Watkins Gjaison White

Terry Woods

November 1 St. Louis, MO

ago, but he is a 10-year veteran of the insurance industry. Nigel claims he had his Sights | set on the SGA position from Day One. He says that | American Income is one of the best kept secrets | there is in terms of the value of the opportunity, and

he looks forward to making that opportunity available

to more people. Nigel and wife Karen are the parents

of Ayden and Leslie.

It's Time Bl Spotlight November 2012 07

DOLLAR CLUB*^

Another champion, another milestone! Each champion will receive a bonus of $5,000 and the Million Dollar Club Award. Congratulations on your achievements.

$2 Milllion Club

Ruben Soberanes Jatoft-Foti Agency Contract Date 12/1/1998 Qualified October of 2012 $2,004,837 of Net ALP

Pul b y

— Outstanding Producers & PR Representatives:

, zu | e Cohen-Cohen 4th Qualification $78,264 Net ALP 83.1 Ret

Spotlight November 2012 В It’s Time

Karen McQuoid Friedlander Agency Contract Date 12/18/02 Qualified October of 2012 $1,011,490 of Net ALP

с: t

a Altig-Orlovic e 1st Qualification $137,036 Net ALP 81.6 Ret

Domenico Bertini

Vice President of

Y Field Operations

Time Waits for No One!

It's time... our time is now. Life will not wait, and neither will success. Let's not waste this short time we have trying to live someone else's life or achieve someone else's goals. Do not wait for January to start setting your 2013 goals — you need to start now. The only way you can beat time at its game is by anticipating it. By January, it will be too late. After the holidays, the weight of ordinary life will return on January 1st, and it will hold you back

from setting goals. You cannot wait for that to happen.

How clear do you see the road ahead of you in 2013? Are you letting your imagination drive your vision and therefore your goals for 2013? Albert Einstein once said that imagination is more important than knowledge because it tells us what can be and not what is. And what can be is what we need to guide our company into success in the years to come. Our future success hinges on what we believe we can achieve. $250 million was only the beginning of our “what can be;" it's time to move that up to $500 million!

ERES

&&Do not wait for January to start setting your 2013 goals — you need to start now. The only way you can beat time at its game

is by anticipating it. 77 E=)

C

Roghie Hassan Loo thought it possible to break $300,000 of

Net ALP in one year. Then came Ofa Tupouniua, who thought

it possible breaking Roghie's record, and she did just that. Tone Munro moved the competition to the stratosphere by breaking the $400,000 mark, and this year rumor has it that someone will make a new mark on Mars with over $500,000 of Net ALP.

See? The goal we set for 2014 was just the beginning of what can be. It's time, dear friends and associates, to take this company to the stratosphere and then Mars. Together we will accomplish all

we want and desire — the time is now!

It's Time Ё Spotlight November 2012 09

" ooo

SA

NAME # SGA NAME # SGA NAME # SGA NAME # SGA NAME # SGA NAME # SGA NAME # SGA Caio Rosa 5 Williams-Zophin Patrick Seawright 2 Altig-Orlovic Christopher Mendes2 Giglione-Ackerman Тау Krause 2 Javier Sandoval Тап Noble 2 Slav Bitman Zbigniew Stankiewicz 2 Fred Hadayia Alon Fischer 2 ‘Theodore Pappas Alfred Huggins 4 Mark Beckford Manuel Marte 2 Altig-Orlovic-Hay Jason Levasseur 2 Maria Greene Mike Bray 2 Imran Satti Timothy Watson 2 Slav Bitman Donald Dowbor 2 Mark Hancock Ashley Delevieleuse 2 Philip Prata Darwin Roman 4 Gevorg Yanukyan Andrew McCarthy 2 Altig-Orlovic-Hay Valerie Cormier 2 Steve Greer Michelle Anderson 2 Surace-Smith Alan Pazmoran 2 Josh Chalom Cory Hobbs 2 Mark Hancock Timothy Wilson 2 Philip Prata Justin Tyburski 3 Simon Arias Evan Kendall 2 Simon Arias Ibrahim Bah 2 Fred Hadayia Edward Atkinson 2 Surace-Smith Tleana Rosas 2 Cohen-Cohen Andrew Mar 2 David Hausman Minh Phung 2 Scott Rehberg Barbara Seyoum 3 Samantha Chui Austin Wallace 2 Simon Arias Terrence Williams 2 Fred Hadayia Robert Biser 2 Surace-Smith Gian-Paolo Diberardo 2 Brandon Cooley Amr Shater 2 David Hausman Unique Hunnicutt 2 Alex Roland Christian Adkins 3 Cumingham-Wetthespon Donald Wilds 2 Simon Arias Kimball Sprague 2 Jeremy Harbin Devin Dingey 2 Surace-Smith Gilbert Martinez 2 Brandon Cooley Kierra Goodwin 2 Greg Henderson Fred Goetz 2 Dan Rubio Ashley Gregg 3 Cumingham4 Thomas Hanford 2 Mark Beckford Andjela Avram 2 Matt Henderson Zachary Frentsos 2 Surace-Smith Brooke Spain 2 Brandon Cooley Chad McLaughlin 2 Matt Henderson Prabesh Shakya 2 Dan Rubio Shaun Johnson 3 Chad Deley Teaunna Lester 2 Samantha Chui Gretchen Crady 2 Chris Hernandez Adam Huck 2 Surace-Smith Katharine Myers 2 Richard Correa Chad Potts 2 Chris Hernandez DeAnthony Hartman 2 Paul Rumbuc Marva Lumar 3 Joseph Diecedue William Brookshire 2 Richard Correa Corey Moore 2 Chris Hernandez Daniel Johnson 2 Surace-Smith Russell Trujillo 2 Richard Correa Milena Arceo 2 Jatoft-Foti Denice Copp 2 Imran Satti Wendy Sotelo 3 Desi Dimitrova Amie McCracken 2 Richard Correa Victoria Wippich 2 Chris Hernandez Kyle Lewicki 2 Surace-Smith Kayla McIver 2 Chad Deley Mario Chavez 2 Jatoft-Foti Brodie Fischer 2 Imran Satti Daniel Alvarado 3 Steve Greer Benjamin Rexroth 2 CunninghamWeahespom Danae Manwill 2 Jatoft-Foti Robert Richman 2 Surace-Smith Robert Gibson 2 Joseph Diecedue Harold Durana 2 Jatoft-Foti Aaron McLean 2 Imran Satti Andrzej Sertler 3 Sabrina Lloyd Tia Willoughby 2 i Devon Chapman 2 Michael LiBassi Michael Stuver 2 Surace-Smith Mark Hileman 2 Desi Dimitrova Ryan Leong 2 Jatoft-Foti T J Rowell 2 Scott Sonnenberg David Schanuel 3 Dorian Oldham Xander Davis 2 Chad Deley Joshua Hill 2 Sabrina Lloyd James Thompson 2 Surace-Smith Priscilla Nelissen 2 Desi Dimitrova Tatjana Tikhonov 2 Jatoft-Foti London Burnett 2 Surace-Smith James Summers 3 ‘Theodore Pappas Megan Herickhoff 2 Chad Deley Duane Shaw 2 Sabrina Lloyd Christopher Vasu 2 Surace-Smith Jack Wang 2 Desi Dimitrova Joshua Franco 2 Chris LaFond Keith Coscia 2 Surace-Smith Christian Ortiz 3 Philip Prata Maleah Bourda 2 Joseph Diecedue Corey Bryant 2 Tim McAdams Jacob Raine 2 Jeremy Welch Jose Carvajal 2 Laura Fisher Kasie Greenwalt 2 Michael LiBassi Andre McCallum 2 Surace-Smith O Paul Wood 3 Alex Roland Erin Triche 2 Joseph Diecedue Eric Hidy 2 Dorian Oldham Donald Snyder 2 Jeremy Welch Shawn Donnelly 2 Laura Fisher Robert Martin 2 Dorian Oldham Daniel Doherty 2 Jeffery Thiel Pamela Altman 3 Surace-Smith Christopher Akins 2 Laura Fisher Jeffrey MacBain 2 Oldham-Bianchi Lewis Clack 2 Williams-Zophin Tere Diamond 2 Steve Friedlander Jesse Spencer 2 Oldham-Bianchi Christopher Chunn 2 Jeremy Welch Thomas Tiller 3 Jeffery Thiel Tilly Roebeck 2 Steve Friedlander Nicholas Triantafyllidis 2 Philip Prata Xavier MacLarty 2 Williams-Zophin Jaman Testerman 2 Cindy Furer Carissa Van Wagenen 2 Oldham-Bianchi Christopher Earle 2 — Williams-Zophin Richard Whyte 3 Brian Traboulay Alofi Suasua 2 Steve Friedlander Steve James 2 Tiffany Roland Hugh Thompson 2 Williams-Zophin Ashlee Hutchins 2 Giglione-Ackerman Samotta McKeever 2 Bob Olson Wendy Pierre 2 Williams-Zophin Katelyn Bailey 2 Altig-Orlovic Altaf Drew 2 Giglione-Ackerman Keith Allen 2 Раш Rumbuc Scott Davison 2 Steve Greer Richard Pazak 2 Bob Olson Melanie Hail 2 Bob Wingate Scott Schwartzkopf 2 Altig-Orlovic Michael McPherson2 Giglione-Ackerman Aaron Dupras 2 Раш Rumbuc Rolando Vega 2 Steve Greer Derron Alexander 2 Theodore Pappas Jeremy Hernandez 2 Bob Wingate О МАМЕ # SGA NAME # SGA NAME # SGA NAME # SGA NAME # SGA NAME # SGA NAME # SGA NAME # SGA Tevita Tupouniua 8 Steve Friedlander Kevin Holtz 5 Surace-Smith Ashley Wenning 4 Surace-Smith Carlos Otero-Villalba 3 Ман Henderson Brett Gryska 15 Oldham-Bianchi Patrick Rieger 6 Altig-Orlovic Chad Panzer 4 Brandon Cooley Phillip Rigoli 3 Laura Fisher Anita Ferris 7 Steve Friedlander Josh Wheeler 5 Surace-Smith Dustin Brooks 4 Jeffery Thiel Reuben Rios-Cruz 3 Matt Henderson Jason Bratin 13 Theodore Pappas David Thornton 6 Altig-Orlovic I-Perfection Harris 4 ComirghamWeahasomn | Sara Welch 3 Steve Friedlander Jean Joseph 6 Williams-Zophin Paul DeRenzo 4 Simon Arias Melissa Beauchamp 3 Altig-Orlovic John Napiza 3 Jatoft-Foti Doreen Ryan-Foti 12 Jatoft-Foti Cameron Cimino 6 Simon Arias Jonathan Laaker 4 — CunnnghamWéahasoon Craig Strompf 3 Cindy Furer Darrell Asbell 5 Altig-Orlovic Antonio Reyes 4 Simon Arias Nicholas Powell 3 Altig-Orlovic Kyle Taylor 3 Travis Moody Raymond Risucci 12 Dorian Oldham Brian Sundberg 6 Chad Deley Sean O'Reilly 4 Cumingham-Weathaspoon | Alexandra Graham 3 Fred Hadayia Joseph Shanks 5 Altig-Orlovic Albert Serur 4 Simon Arias "Tyler Stewart 3 Simon Arias Kevin Huber 3 Eric Neal Matthew Diulus 11 Simon Arias Jack Keiderling 6 Giglione-Ackerman Andrew Pratt 4 Weahaspon Marisa Willgruber 3 Fred Hadayia Aaron Dunlap 5 Simon Arias Tammy King 4 James Bailey Kelly Pilling 3 Slav Bitman Kaitlyn Good 3 Oldham-Bianchi Zachary Hart 11 Surace-Smith Richard Barbour 6 Steve Greer Jesse Remby 4 Scott Davis Kody Karhliker 3 Jeremy Harbin Aaron Haynes 5 Simon Arias William Myatt 4 Brandon Cooley Preeti Sahgal 3 Josh Chalom Michael Hicks 3 Oldham-Bianchi Justin Adams 10 Simon Arias Samuel Cohen 6 Fred Hadayia Eric LaBossiere 4 Chad Deley Sharon Brenner 3 David Hausman Drew Frazier 5 Slav Bitman Peter Van Der Westhuizen 4 Richard Correa Tara Weisz 3 Josh Chalom Brian Hutchings 3 Oldham-Bianchi Mack Doby 10 Joseph Diecedue Brent Arbour 6 Cisco Perez Joshua Jackson 4 Joseph Diecedue Antonio Monica 3 David Hausman Brandi Hershey 5 Brandon Cooley Todd Glazer 4 Joseph Diecedue Hector Carrillo 3 Brandon Cooley George Baumberger3 Theodore Pappas Stephen Jubrey 10 Oldham-Bianchi Elias Hazen 6 Surace-Smith Stephen Hill 4 Steve Friedlander Cara DeFiore 3 Chris Hernandez Joseph Hagerman 5 Jeremy Harbin Thaddeus Stansberry4 Joseph Diecedue Preston Turner 3 Richard Correa Danielle Arena 3 Cisco Perez Steven D Cox 9 Steve Friedlander Caleb Douce 6 Jeffery Thiel Paul Kelly 4 Steve Friedlander Rebecca Klebsch 3 Chris Hernandez Jennifer Kinder 5 Dorian Oldham Jorge Guerra 4 Giglione-Ackerman Kyle Wrobel 3 Cunningham? David Rigney 3 Scott Rehberg Robert Janev 9 Sabrina Lloyd Adeyemi Akinade 6 — Williams-Zophin Magda Figueiredo 4 Giglione-Ackerman Richard Johnson 3 Matthew Hogan Mark Glazer 5 ‘Theodore Pappas Eluerecia Guzman 4 Maria Greene Lindsay Gjerde 3 Chad Deley Patrick O’Brien 3 Paul Rumbuc Ala Awad 9 Alex Roland Patrick Knouse 5 James Bailey Carl Nazaire 4 Giglione-Ackerman Sarai Castanon 3 Jatoft-Foti Zaid Jian 5 Alex Roland Mark Danner 4 Steve Greer Konnor Wyly 3 Joseph Diecedue Ronald Kent 3 Scott Sonnenberg Joshua Olin 8 Altig-Orlovic Cole Murphy 5 James Bailey Michael Laramie 4 Steve Greer Timothy Kieran 3 Chris LaFond Ryan Fickert 5 Surace-Smith Karolina Debek 4 Sabrina Lloyd Isaac Hernandez 3 Desi Dimitrova Kristopher Washington З Scott Sonnenberg Ryan Hall 8 Laura Fisher Christine Weatherspoon 5 Mark Beckford Souleymane Bah 4 Fred Hadayia Jake Yagjian 3 Chris LaFond David Guzman 5 Surace-Smith Thomas Kijanowski 4 Sabrina Lloyd Darren Danico 3 Laura Fisher Matthew Conrad 3 Surace-Smith Ofa Tupouniua 8 Steve Friedlander Kellen Cuttance 5 Slav Bitman Vance Rountree 4 Matt Henderson Brian Wilson 3 Michael LiBassi Cynthia Schneiderman4 Sabrina Lloyd Jonathan Santiago 3 Laura Fisher Anthony Theriault 3 Surace-Smith Matthew Girard 8 Maria Greene Dmitriy Kagan 5 Slav Bitman James Allen 4 Travis Moody Cherie Adams 3 Bob Olson Jacqueline Kosalek 4 Oldham-Bianchi Ruben Santillana 3 Steve Friedlander Daniel Walton 3 Surace-Smith Kenneth Greer 8 Steve Greer Herman Fennell 5 Samantha Chui Bryan Peters 4 Eric Neal George Rosicky 3 Bob Olson Elaine Kulawiak 4 Oldham-Bianchi Michael Gerstein 3 Giglione-Ackerman Ryan Hernandez 3 Bob Wingate Melne Lewis 8 Bob Olson Andrew McQuade 5 Richard Correa Levar Morgan 4 ‘Theodore Pappas David Wang 3 Bob Olson Reynolds Akuamoa 4 Theodore Pappas Erin Moyer 3 Giglione-Ackerman Brandon Smith 3 Bob Wingate Mathew Hart 8 Surace-Smith John Ophals 5 i Ryan O'Malley 4 Imran Satti Syed Quadri 3 Theodore Pappas Christopher Newman 4 Surace-Smith Roosevelt Wilson 3 Giglione-Ackerman Casey Cash 2 Altig-Orlovic Nigel Crowe 8 Williams-Zophin Brian Schreiter 5 Joseph Diecedue Aaron Ralston 4 Jeremy Welch Bobby Szwaja 3 Theodore Pappas Nicole Sanders 4 Surace-Smith Nicole Conrad 3 Fred Hadayia Aja DeVore 2 Altig-Orlovic Jonathan Maust 7 Altig-Orlovic-Hay Juan De la Cruz 5 Desi Dimitrova John Reeves 4 Jeremy Welch Joshua Bloomquist 3 Tiffany Roland Antonio Davidson 3 Mark Hancock Shaun McDonald 2 Altig-Orlovic Thomas Vena 7 Simon Arias Evan Holzhauer 5 Giglione-Ackerman Henry Ingraham 4 Williams-Zophin Kingsley Tazinya 3 Dan Rubio Shawn Wildman 3 Jeremy Harbin Kendra Orng 2 Altig-Orlovic Jordan Chalom 7 Josh Chalom Mark Corkrean 5 Steve Greer Kyle Johnson 4 Williams-Zophin Steven King 3 Paul Rumbuc Christopher Buonanni З Matt Henderson Levi Stearns 2 Altig-Orlovic Byron Paz 7 Josh Chalom Moswen Taylor 5 Mark Hancock Luay Ghawi 3 Altig-Orlovic Rodney Ward 3 Paul Rumbuc Brandon Summerton 2 Altig-Orlovic Jared Cleckner 7 Brandon Cooley Dorian Brown 5 Matt Henderson Natalie Wagner 3 Altig-Orlovic Michael Lipetri 3 Javier Sandoval Ho Tran 2 Altig-Orlovic Alfred Taren 7 Desi Dimitrova Humberto Quintero 5 Matt Henderson Daniel Bauer 3 Simon Arias Robert Kanaan 3 Imran баса Arthur McDonald 2 Altig-Orlovic-Hay Mavrick Fredericks 7 — Giglione-Ackerman Robert Shafer 5 Scott Rehberg Aaron Parks 3 Simon Arias Haoyu Xu 3 Imran Satti Karen Cheng 2 Simon Arias Richard Nicholson 7 Jeremy Harbin Darcy Schrieber 5 Paul Rumbuc Randy Teyssier 3 Simon Arias Angel Sanchez 3 Scott Sonnenberg Charles Diulus 2 Simon Arias Zach Otto 7 Sabrina Lloyd Dustin Dunlap 5 Surace-Smith Rachel Stanhope 3 Егіс Cochran Christopher McMenomy З Jeffery Thiel Mark Gorman 2 Simon Arias Marian Sertler 7 Sabrina Lloyd Robert Dunn 5 Surace-Smith Marko Jankovic 3 Cohen-Cohen Fritznel Octave 3 Williams-Zophin Michael Lindsey 2 Simon Arias Mark Kukielski 7 Eric Neal Darron Hacker 5 Surace-Smith Corey Neff 3 Brandon Cooley Denise Berrios 3 Bob Wingate Raphael Musto 2 Simon Arias Daniel Hartwig 7 Surace-Smith Nicholas Zangardi 5 — Surace-Smith Jimmy Tchen 3 Brandon Cooley Manuel Chavez 3 Bob Wingate Matthew Parks 7 Surace-Smith Daniel Rapp 5 Jeffery Thiel Krista Thieme 3 Brandon Cooley Dustin Rushin 3 Bob Wingate б Noel Rose 7 Williams-Zophin Ryan Bisanz 5 Brian Traboulay Kyle Klipp 3 Richard Correa Emmanuel Villasenor 7 Bob Wingate Andrew Aaron 4 Altig-Orlovic Richard Lyddon 3 Richard Correa Q Melvin Arritt 6 Altig-Orlovic Michael Clemente 4 Simon Arias Patrick Cotton 3 Chad Deley C Nicholas Lorence 6 Altig-Orlovic Phillip Jenkins 4 Slav Bitman Ricardo Grandt 3 Laura Fisher NAME # SGA NAME # SGA NAME # SGA Q Q Bo Gentile 34 Williams-Zophin Patrick Bendure 33 Surace-Smith Michael Vasu 27 Surace-Smith

GA continued

Ca

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e O

It's Time Й Spotlight November 2012 11 |

O

= ОИК

i Susan Fuldauer

! Vice President of Public Relations Field Operations

Its Time...

As the end of 2012 nears, we are finishing up what should be a year of positive lead growth for Team PR.

Getting here took a Leap of Faith and a commitment from the field and executive management team to provide the tools and incentives to move PR from good to better along the road to greatness. Now it is time to reflect on the year that is behind us in order to prepare for the year ahead.

The demand for leads is ever-increasing. Our agency partners show no sign of slowing down and 2013 should be another record-breaking year. It is imperative that Team PR step up to the challenges that 2013 will bring. Now is the time to create the plan for the work to be done that will result in solidifying our current relationships and prospecting for new relationships. It’s much like the old Girl Scout song some of you may remember: “Make new

friends, but keep the old. One is silver and the other gold.”

2012 was a year of renewed PR Leadership Development, contests that challenged us to leave our comfort zones, and a look into profitability of our groups. Our expectations rose, inspections became the norm and activity increased. Empowering individuals is the new culture.

PR will continue to Rise and find new connections to our working families. It's Time we touched more and more families. /25 Time we prepare to move a little more outside of our comfort zones. I¢s Time we take advantage of our opportunity and meet the needs of our partners. Setting our goals, activity and plan in motion now will determine our success as we enter 2013. The work that is being done now will determine the tone and push for the new year.

12 Spotlight November 2012 ІШ It’s Time

It’s Time that we move to the next level of quality lead generation. Team PR 2013 is developing a strategy to do just that. It will take the

entire team’s resolve to be focused and relentless in our pursuit of new markets and sustaining our current relationships. 1-2 Time to make the move. You decide if you are on the Rise with Team PR or simply going to be status quo, which, by the way, is unacceptable!

$25,000 L.A. County Federation of Labor - Prop 32 member communication 25,000 — Unity Convention 2012 - For the Super-O-Rama 10,000 — American Sustainable Business Council - Sponsor of the Summit for a Sustainable Economy and Legacy Reception 10,000 — ВСТО - Sponsorship of the ВСТО 2012 PLA/CWA Conference 10,000 — CMRAVE - In support of Helmet to Hardhats 5,000 — American Labor Museum - іп support of the Botto House National Landmark 5,000 — Beaver Area Heritage Foundation - In support of the Beaver Station Multi-Use Cultural and Event Center 5,000 — Campaign for Migrant Workers Justice - For supporting migrant farm workers in the Deep South

UFCW Golden State 8 - Diamond Sponsor for Golf Tournament

3,500 — Senders Communications Group - Ad

2,664 — IBT 42 - Vote ‘No’ on Prop 32 Buttons

2,600 — Teamsters Joint Council 7 - Gold Sponsor for Golf Tournament

2,500 — Contra Costa County AFL-CIO, Central Labor

Council - Dinner and Ad

New Jersey Credit Union League - Convention

S agramento Central Labor Council, AFL-CIO - Labor

Dinner and Ad

EECA Joint Council 25 - Raffle Prizes for

Charitable Trust’s All-Charity Event

1,725 — Arizona Building Trades - Golf Tournament and Ad

1,700 — Nova Scotia Federation of Labor - Alex “Sugarcamp” MacDonald Golf Tournament

1,500 — Maryland State & Washington DC Building and Construction Trades Council - Silver Sponsor for Conference

1,500 — Ohio AFL-CIO - Ad & Convention

1,500 UFCW 135 - Golf Tournament

1 JFC\ ournament and Donation for

7 33 - Golf

ИЕМЕ Event

1,500 — UFCW 23 - Scholarship

1,500 — разріпотоп State Labor Council, AFL-CIO - Silver

r Golf Tournament and Poker Run

1,100 AN Dis trict Lodge 190 - Tee Sponsor for Golf Tournament

1,023 — ILWU 142 - Door Prizes for State Convention and Labor Day Events

1,000 — Hall of Fame Central Labor Council, AFL-CIO- —

Scholarships

1,000 Шіпоі AFL-CIO - Шепайоп, for Labor and Politics Event

1,000. a Labor | ration - Operation Freedom

1,000 — New Rd States Pipetrades Association - Convention 1,000 — New Hampshire Snowmobile Association - New Hampshire Grass Drags Event Sponsorship

$5,000 5,000 3,000 2,800 2,500 2,400

900

$1,000 1,000

1,000 1,000

850 850 800

800 785

780 750

750

750 700

658

650 630 600

600 600 600 600 600 600 600 600

600

American Income & National Income

Children's National Medical Center/Dr. Bear's Closet - For providing items to patients and stocking playrooms

Texas AFL-CIO Scholarship Fund

The Newspaper Guild Freedom Award Fund - Patron supporter at the event

Int'| Brotherhood of Teamsters - Teamsters Women's Conference

DC Employment Justice Center - Friend level sponsor at the Labor Day Breakfast 2012

Guide Dogs of America - 32nd Annual Charity Banquet and golf tournament

Americans For Democratic Action - Two tickets and a half page ad for the 65th Annual Awards Banquet

Top Contributions of Centralized PR

New Mexico Federation of Labor AFL-CIO - Convention & Labor Day Picnic Sponsorship

Ohio State Building and Construction Trades Council - Convention

Teamsters Joint Council 32 - Convention

Union Sportsmen Alliance - Dallas Area Conservation Dinner

Laborers District Council - Raffle Prizes for Golf Outing

LIUNA Ontario Provincial District Council - Golf Tournament

Alberta Building Trades - Brunch Sponsor for Conference

UFCW 1546 - Golf Tournament

San Diego and Imperial Counties Labor Council, AFL-CIO - Breakfast and Ad

Houston Chapter of Credit Unions - Vendor Night Alaska AFL-CIO - Prize Sponsor for Sporting Clay Shoot

Credit Union Executive Society, Michigan - Conference

Minnesota United Snowmobilers Assoc - Scholarship Cosmetology Association of Nova Scotia - Prize Sponsor for General Meeting

National Fraternal Order of Police - Fall Board Meeting a 5 Conference

Utah AFL-CIO - Conference

Teamsters Hispanic Caucus Florida Chapter - Ad CJA 45 - Pin Flag Sponsor and Dinner Ticket for Golf Tournatment

IBT CA State Cannery Council - Conference Missouri AFL-CIO - Convention

Northeastern Illinois Federation of Labor - Ad SEIU 73 - Picnic Sponsorhsip

St. Joseph College Seminary - Dinner and Ad Tavern League of Wisconsin - Convention

UFCW 1995 - Gold Sponsor for Golf Tournament United Farm Workers of America - Sponsor for 50th Anniversary Concert Series

United Steelworkers of America Distict 1 - Poker Ru Sponsorship benefiting strike ind laic

It's Time

Spotlight November 2012

PERSONAL RECRUIT

- PRODUCTION BONUS —

4.90

Tevita Tupouniua Devon Chapman Aaron Haynes David Rigney Donald Snyder Derek Combs Andy Jaikaran Ruben Santillana Kirsten Anderson Aaron Dunlap Christopher Kennedy Richard Scofield Bobby Beatty Blake Handrick Cameron Moore Rami Tannenbaum Cliff Bonny Roghie Hassan Loo Jesse Remby

October Bonus Payout:

With the holidays right around the corner, who couldn't use an extra $5,000? Work fast to “hire” 3 personal recruits who achieve the production objectives by December 3171. Your recruits have until March 31, 2013 to reach the production objectives, make it your goal to collect the bonus in time to be a holiday hero!

14 Spotlight November 2012 В It’s Time

Remember, a personal recruit can be a personal acquaintance, friend, family. neighbor, bartender, waitress, mall worker, the guy behind you at the convenience store, or recruits from unique or special recruiting efforts and referrals from in-home recruiting on the laptop.

bubo ie

й

ongratulations to Mark Neilson of the Altig-Orlovic Agencies for breaking the all-time single month record for individual net ALP by writing $95,151 in October 2012.

Mark's achievement was accomplished by careful execution of a plan he had been developing for months. He started with leads and then, after building a large referral base, relied solely on referrals. Mark hired a booker to ensure he had 10 appointments each day. He conducted more than 100 presentations and had a whopping 70% closing ratio.

Increased activity and working referral leads effectively were the keys to Mark's record-breaking month.

^| really just wanted to see what | am capable of doing? He credits extensive planning and his reliance on referrals for this success. He says calling on referrals he collected in a timely manner made his achievement much easier.

Leadership Academy Dates Announced for Q1 2013

The Home Office has released Leadership Academy dates for the First Quarter of 2013:

Leadership 101 — January 21-25 Leadership 201 — February 26-March 1

Last year saw capacity crowds at several Leadership Academy sessions, so if you are interested in attending, talk to your SGA now to ensure you get a place in the session of your choice.

Leadership Academy is the first step on the path to management at American Income and National Income. Not only will you be trained by proven leaders, but you will develop friendships that will last a lifetime.

Here's what previous attendees say about their experience:

"Leadership Academy has changed my life. My mission is to recruit talented people to AIL so that | can continue the legacy and give others a chance to be an agency builder themselves. Thank you for giving me this opportunity."

"Extremely thankful for the opportunity to attend. It is a great program that shed light on a bigger picture and created a

“| believe the real difference between focus and drive to aspire towards."

success and failure in a corporation "Leadership Academy was one of the best experiences | have

can be very often traced to the ever had, and | am honored to be one of the few selected to question of how well the organization attend. It was awesome to hear strategies from some of the brings out the great energies and 41 Бард

z n talents of its people. “Leadership Academy is the best thing for anyone in — Thomas J. Watson, Jr. management to attend. | learned so much in a short time.”

16 Spotlight November 2012 ІШ It’s Time For further inspiration, visit www. ailacademy.com.

- Lead

rship

a nio

Larry Strong

Vice President of Agency Leadership Development

Plenty of Time?

Ticking away tbe moments That make up a dull day Fritter and waste the hours

In an off-hand way

Kicking around on a piece of ground In your home town Waiting for someone or something

5 5

To show уои the way

Tired of lying in the sunshine Staying home to watch the rain You are young and life is long And there is time to kill today

And then the one day you find Ten years have got behind you No one told you when to run

You missed the starting gun E 5

— “Time” by Roger Waters, David Gilmour, Nick Mason, and Richard Wright (Pink Floyd) from the 1973 album “Dark Side of the Moon”

The average American lives 78.3 years. That is about 29,000 days, 684,000 hours and 42,000,000 minutes, give or take... and counting... The one thing we are afforded in life that we can never get back once it

is gone is time. So, IT’S TIME to make sure I dont waste any more time.

IT’S TIME to make sure I have a pretty decent understanding of my purpose for living.

IT’S TIME to make sure I tell whomever I am supposed to tell today that they are important and valuable to me.

IT’S TIME to take a personal inventory of whom I may have hurt or

harmed in some way and make appropriate amends as much as possible. IT’S TIME to be grateful.

IT’S TIME to do what people recommend — stop and smell the roses. IT’S TIME to remember to think before I act or speak.

IT’S TIME to understand there is a difference between what is really important and all the stuff that just seems important.

IT'S TIME to remind myself that it isn't about me.

IT’S TIME to remember how fragile this life is.

IT’S TIME to realize that when the time comes, people will be thinking about whether what the person giving our eulogy is saying about us actually lines up with the person we were and what we did. IT’S TIME to realize that REAL POWER is leaving something on

the table just because I can.

IT’S TIME TO COME UP WITH A LIST OF WHAT REALLY MATTERS.

Last, IT’S TIME to ask ourselves if we are taking full and complete advantage of Opportunity Unlimited. We are constantly working on becoming a better company, but, the last time I looked, we are still a company where someone can choose to become an Agent, Manager or PR Rep and have a positive, life-changing experience while building a lasting career and legacy with us.

That’s time well spent.

Stay Strong! Lead on!

It's Time Ё Spotlight November 2012 17

L1

Did the paparazzi snap a photo of you at Convention or Leadership Academy? Don't worry, before US Weekly or Star magazine were able to publish an AIL Exposé, we were able to upload the photos to the OFFICIAL American Income Life Insurance Company Flickr page for you to enjoy.

" Flickr is a popular photo hosting website that

ж”” does not require you to create an account to view and download photos. Use these photos for Facebook or LinkedIn, or simply to relive your experience in the spotlight.

Don't forget to share your photos with friends, family, and recruits — it’s all about selling AIL’s Opportunity Unlimited!

AIL photos are now on Flickr!

RE

e’re excited to announce that American Income We Insurance Company is now on Pinterest!

The AIL Ladies Pinterest page is a fun way for the women of AIL to network together and INSPIRE each other by sharing tips, tricks, and creative ideas. Together we can brainstorm how to meet our personal and professional goals and represent our Company proudly.

Fashion trends for the field? Check. Recipes for girls on the go? We've got'em. Inspirational quotes, travel tips, and fitness routines? Look no further! The AIL Ladies Pinterest page is a fun, fresh, feminine outlet for the Agents, GAs, SAs, MGAs, RGAs, SGAs, wives, sisters, mothers, and daughters of American Income Life Insurance Company.

Ladies, the men may outnumber us in the field, but we've got two things they don't — Pinterest and GIRL POWER!!! Spread the word to any AIL ladies who want to join in on the fun.

5

to the Heart т

AIL/NILICO SGAs, members of our PR and Home Office management teams, and their guests participated in a volunteer project at Clean the World Las Vegas Recycling Operations Center on Wednesday, November 14.

Ever wonder what happens to the literally TONS of those partially used little bars of soap and bottles of shampoo, conditioner, body wash and lotions from hotels around the world? Clean the World partners with hotels to collect, purify and recycle them, and distribute them to homeless shelters and areas where hygiene has been compromised by poverty or natural disasters. Soap saves millions of lives a year - especially children under the age of five - from death due to completely preventable hygiene related illnesses such as pneumonia and diarrheal disease.

Our group was divided into two shifts, during which participants sorted the items into huge bins under the direction of volunteer coordinator

Shae Hagen. The products are then shipped to Clean the World's headquarters and processing center in Orlando, Florida. According to the center's director, Kevin Williams, they are trying to raise enough money to purchase $80,000 worth of recycling equipment for the Las Vegas location, which will save approximately $40,000 in shipping costs to Orlando each month.

Roger Smith presented Clean the World with checks from the SGAs which, when added to partial matching funds from Torchmark, will total more than $13,800 (so far!) toward the purchase of the needed equipment.

If you wish to donate to this innovative and worthy cause, please send your check payable to “Clean the World” to the Home Office, attention Ginny Crow.

Soap Bottles 4,255 pounds total

22,693 soap bars sorted helping 4,539 individuals

It’s Time Spotlight November 2012

T3 TINI

2012 NOVEMBER

The Fall 2012 SGA meeting was held November 11-14 at the Venetian/Palazzo in Las Vegas. As is our tradition, CEO Roger Smith kicked off the meeting Monday morning by announcing our theme for 2013: It's Time. Roger explained that when you say the words “It’s Time,” you know something important and life changing is going to happen imminently, and that is where we, as a Company, stand today.

President Scott Smith announced the winners of the Bernie Mac contest, who received custom-inscribed baseball bats. Also announced were the winners of the Turf Wars production contest. Each competing Agency received a memento plaque/frame that featured a photo of each pairing. Trash talk and competitive banter were exchanged, but it was all in good fun.

High-energy breakout sessions focused on how to use laptop metrics effectively, the proper way to collect and run referrals, and methods to increase activity.

Retired SGAs Joe Manone and Marc Zipper were guest speakers who talked about “Living the Dream," and how much more valuable Opportunity Unlimited is now than in the past.

A party and roast was held on Tuesday evening in honor of Roger's 60th birthday. OPEIU President Mike Goodwin, in town on union business, stopped by to convey birthday wishes. He also thanked the SGA body for their ongoing support of Labor.

On Wednesday, SGAs, PR management and Home Office staff and their guests rolled up their sleeves for a Closer to the Heart volunteer activity at Clean the World's Las Vegas Operation Center (see page 19).

Don't forget, you can download It's Time 2013 wallpaper for your desktop

or mobile device from the Agency Resource Center: www.ailife.com/arc/marketing.aspx

20 Spotlight November 2012 В /t's Time

October Production

eo

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50. e ALL TIME RECORD: MARK NEILSON $95,151 Net ALP HOT

o Е G

2

Mark Neilson

Theresa Bellajaro David Broughton Bruce Tan Samson Adelufosi Jennifer Holliday Ryan Kendl Melinda Kinsey Carmela Pellen Casey Sperzel Richard Luzaich Jamie Winters Lafi Papalii Miranda Mortensen Darwin Roman Lamar Livingston Benjamin Ainscough Michelle Anderson Corey LaVigne Laurie Taylor Bradley Weigand Samy Jacques Amy Shui

Angel Patryluk Matthew Vowell Roosevelt Jeanty Steven Sparkes Prokopios Verros Mary Maida Fujii Lawrence Hauck Matt Flores

$95,151 56,453 37,051 25,812 25,771 25,309 25,023 24,469 23,605 23,566 23,167 23,073 22,597 22,002 21,916 20,636 20,321 19,803 19,310 18,890 18,724 18,312 18,027 17,927 17,874 17,709 17,601 17,222 16,935 16,890 16,536 16,156 16,086 15,973 15,872 15,864 15,863 15,701 15,621 15,528 15,237 15,169 15,130 15,032 14,958 14,955 14,749 14,489 14,397 14,298

Net to Gross

91

99

100

100

88

95

100

93

96

86 96

100

о о 3 Rue Retention о о

82.7 94.9 83.1 70.9 79.9 83.7 71.9 87.3 70.3

75.6

87.8

89.0 70.9 97.7 76.8 78.1

87.6 86.1 89.9 79.2

88.7 71.1 96.2

88.6 93.8

79.3 75.9

84.6

85.7 81.6 85.1

82.7 77.5

79.3 87.5 69.5

< (9) =

Nicholas Lorence Bobby Gujral James Keefer John McGrath

Zachary Hart Byron Paz Joshua Olin Erik Graham

Doreen Ryan-Foti Matthew Diulus Doreen Ryan-Foti Elias Hazen

Haoyu Xu

Zachary Hart Christopher Williams John McGrath Roger Fung

Christopher Clark Robert Kanaan Christopher Clark

Nicholas Lorence Daniel Hartwig

James Allen

Aaron Parks

Mark Neilson

Daniel Hartwig Bobby Gujral Daniel Hartwig

Justin Adams Bradley Weigand Samy Jacques

Byron Paz

Brett Gryska Henry Ingraham Randolph Souliers Robert Janev Steven Cox

Matt Flores

< [9] o

Altig-Orlovic Altig-Orlovic Simon Arias Altig-Orlovic Cohen-Cohen Surace-Smith Josh Chalom Altig-Orlovic Cohen-Cohen Cohen-Cohen Jatoft-Foti Simon Arias Jatoft-Foti Surace-Smith Imran Satti Surace-Smith Simon Arias Altig-Orlovic Altig-Orlovic Cohen-Cohen Altig-Orlovic Imran Satti Altig-Orlovic Giglione-Ackerman Jeffery Thiel Altig-Orlovic Surace-Smith Dorian Oldham Travis Moody Altig-Orlovic Simon Arias Steve Friedlander Altig-Orlovic Gevorg Yanukyan Surace-Smith Altig-Orlovic Surace-Smith Eric Cochran Simon Arias Surace-Smith Williams-Zophin Giglione-Ackerman Josh Chalom Oldham-Bianchi Williams-Zophin Altig-Orlovic Sabrina Lloyd Steve Friedlander Steve Friedlander Jatoft-Foti

11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. 37. 38. 39. 40. 41. 42. 43. 44. 45. 46. 47. 48. 49. 50. ALL TIME RECORD: TONE MUNRO $477,360 Net ALP

-

YTD Production

Roghie Hassan Loo Ronald Rivera Roosevelt Jeanty Richard Luzaich Tone Munro

Bruce Tan

Erez Shabtay

Amy Shui

Michael Burningham Brian Gilmore Maijargal Sukhbaatar Samvel Tigranyan Samson Adelufosi Matt Flores

Bradley Weigand Ruben Soberanes Joey Kennedy Casey Sperzel Justin Germany Andrew Sunkin Timothy Cruise Mark Bleier Dominic Okonta Alex Gonzales Ross Ewen

Jeffrey Pearce Mark Lomonaco Steven Stensrud Corey LaVigne Adam Kahn

Robert Ulreich Scott Hanna Faleuseni Maumau Eugene Kashkin Brock Lampee Maria Diringer Nicholas Moore Chad Davis

Lora Beronja Christopher Williams

$438,073 232,795 218,154 216,430 207,326 197,711 194,607 192,459 192,199 181,275 173,641 158,738 157,362 157,104 147,796 147,517 145,947 144,605 140,510 139,243 137,272 130,485 121,112 120,889 118,947 117,560 117,061 116,429 114,215 113,228 113,151 112,111 106,668 106,379 104,529 104,355 103,956 103,850 102,784 101,479 99,786 99,543 98,751 98,503 97,899 97,372 97,050 96,666 96,657 95,478

Net to Gross

83

95

EE Retenti E B. etention

83.7 94.9 81.6 76.8 76.6 77.2 87.3 79.2 79.9 83.1 82.7 96.2 79.1 87.6 84.5 85.1 87.0 82.7 92.2 75.6 86.1 69.5 85.7 75.6 76.5 71.1 76.4 84.4 77.5 83.1 75.3 72.6 78.9 79.1

70.9 84.6 70.3 95.9 71.4

90.9 85.4 81.5 76.0 87.8 87.6 89.0

< (9) =

Bobby Gujral Zachary Hart Joshua Olin John McGrath Nicholas Lorence

Fritznel Octave Ofa Tupouniua

Nicholas Lorence Byron Paz

Henry Ingraham

Christopher Clark Cherri Xie

Richard Mansfield James Keefer

Erik Graham

Matt Flores Bradley Weigand Doreen Ryan-Foti Ashlynn Orng James Allen Justin Germany Jason Bratin

Rebecca Klebsch Syed Quadri Joshua Olin

Sara Welch Michael Burningham John McGrath

Doreen Ryan-Foti

Ofa Tupouniua Bobby Gujral

David Wang

Michael Romeo Haoyu Xu

Darren Miller Christopher Williams

< [9] o

Altig-Orlovic Surace-Smith Altig-Orlovic Altig-Orlovic Altig-Orlovic Cohen-Cohen Williams-Zophin Steve Friedlander Cohen-Cohen Altig-Orlovic Josh Chalom Cohen-Cohen Williams-Zophin Altig-Orlovic Steve Friedlander Altig-Orlovic Altig-Orlovic Giglione-Ackerman Altig-Orlovic Simon Arias Christine Judge Cohen-Cohen Giglione-Ackerman Jatoft-Foti Surace-Smith Jatoft-Foti Altig-Orlovic Travis Moody Dan Rubio Theodore Pappas Altig-Orlovic Chris Hernandez Theodore Pappas Jatoft-Foti

Scott Rehberg Steve Friedlander Altig-Orlovic Altig-Orlovic

Eric Cochran Jatoft-Foti Jatoft-Foti Williams-Zophin Steve Friedlander Altig-Orlovic Tiffany Roland Bob Olson Oldham-Bianchi Imran Satti

Chris Hernandez

Simon Arias

24 a

October Production YTD Production

2 А 2 А 3 5 5 3 с 8 2 2 d 2 2 dc | 1. Michelle Crowe $44,406 $44,570 79.8 Justin Adams Simon Arias *1. Denise Hewison $264,202 $313,232 78.9 Zachary Hart Surace-Smith | 2. Robert Richman 43,157 43,857 80 Matthew Parks Surace-Smith 2. Nicholas Moore 216,784 408,357 75.1 Michael Romeo . Oldham-Bianchi | 3. Denise Hewison 39,828 47,808 78.9 Zachary Hart Surace-Smith 3. Adam Huck 198,671 237,231 77.5 Zachary Hart Surace-Smith | 4. Christopher Vasu 37,182 39,097 87 Nicholas Zangardi Surace-Smith 4. Edward Atkinson 193,336 241,787 82.4 Elias Hazen Surace-Smith 5. Adam Huck 36,713 51,387 77.5 Zachary Hart Surace-Smith 5. Ronnie Patea 184,497 219,566 70.3 Stephen Hill Steve Friedlander 6. Rajendra Narine 35,418 34,814 87 Carl Nazaire Giglione-Ackerman 6. Michelle Crowe 172,239 205,813 79.8 Justin Adams Simon Arias | 7. Nicholas Moore 33,435 45,217 75.1 Michael Romeo . Oldham-Bianchi 7. Zachary Frentsos 171,832 190,869 75.2 Robert Dunn Surace-Smith 8. Pamela Altman 32,418 37,559 76.4 Elias Hazen Surace-Smith 8. Marc Salvaggi 155,700 189,038 73.9 Matthew Parks — Surace-Smith | 9. Michael Stuver 32,126 31,502 88 Zachary Hart Surace-Smith 9. Pamela Altman 154,762 213,484 76.4 Elias Hazen Surace-Smith 10. Devin Dingey 31,691 37,967 96 Dustin Dunlap Surace-Smith 10. Lawrence Reardon 146,498 188,017 80.1 Thomas Vena Simon Arias

ALL TIME RECORD: $286,210 1st Six Mo Agt ALL TIME RECORD: $653,097 1st Six Mo Agt ALL TIME RECORD: $286,210 Net ALP ALL TIME RECORD: $959,675 Net ALP

October Production ! YTD Production 2 2 2 2 £ б 5 £ 5 8 2 2 d 3 2.0 1. David Guzman $128,187 $163,103 84 Zachary Hart Surace-Smith *1. David Guzman $704,343 $875,339 84 Zachary Hart Surace-Smith 2. Josh Wheeler 91,523 110,642 77.8 Robert Dunn Surace-Smith *2. Matthew Conrad 599,542 859,261 80.1 Matthew Parks Surace-Smith 3. Nicole Sanders 78,938 117,100 72.5 Matthew Parks Surace-Smith *8. Nicole Sanders 528,815 826,482 72.5 Matthew Parks Surace-Smith 4. Ashley Wenning 72,437 82,608 81.0 Daniel Hartwig Surace-Smith *4. Anthony Theriault 394,509 550,006 79.9 Zachary Hart Surace-Smith 5. Tevita Tupouniua 65,172 82,787 76.8 Оға Tupouniua Steve Friedlander *5. London Burnett 394,499 589,937 69.5 Mathew Hart Surace-Smith 6. Ryan Fickert 65,024 73,993 81 Dustin Dunlap — Surace-Smith 6. Tevita Tupouniua 382,793 668,500 76.8 OfaTupouniua Steve Friedlander 7. Jennifer Kinder 63,569 75,064 71.6 Raymond Risucci Dorian Oldham 7. Louis Giogaia 380,589 534,833 88 Levar Morgan Theodore Pappas 8. Matthew Conrad 60,146 95,998 80.1 Matthew Parks Surace-Smith 8. Josh Wheeler 365,034 399,865 77.8 Robert Dunn Surace-Smith 9. London Burnett 59,637 97,878 69.5 Mathew Hart Surace-Smith 9. Elaine Kulawiak 346,133 507,264 75.7 Brett Gryska Oldham-Bianchi 10. Andre McCallum 55,269 94,820 77.8 Daniel Hartwig Surace-Smith 10. Vatapuia Vavau 345,772 404,983 81.6 Lucky Faaitiiti Steve Friedlander 11. Anthony Theriault 50,249 69,887 79.9 Zachary Hart Surace-Smith 11. Kevin Holtz 342,937 477,723 70.3 Nicholas Zangardi Surace-Smith 12. Mark Glazer 49,219 65,334 73.1 Jason Bratin Theodore Pappas | 12. Zachary Santino 336,041 476,643 74.7 Stephen Jubrey Oldham-Bianchi 13. Tyler Stewart 48,320 179,370 80.7 Aaron Parks Simon Arias | 13. Tyler Stewart 334,952 478,826 80.7 Aaron Parks Simon Arias 14. Timothy Wilson 45,467 48,377 73.5 Ryan Wilson Philip Prata Er Ryan Fickert 331,783 425,277 81 Dustin Dunlap Surace-Smith 15. Jacqueline Kosalek 45,261 50,970 77.3 Brett Gryska Oldham-Bianchi Й 15. Timothy Wilson 314,181 336,447 73.5 Ryan Wilson Philip Prata 16. Daniel Walton 44,919 73,178 78.0 Zachary Hart Surace-Smith | 16. Daniel Walton 313,592 473,466 78.0 Zachary Hart Surace-Smith 17. Vatapuia Vavau 43,782 52,656 81.6 Lucky Faaitiiti Steve Friedlander 3 17. Jennifer Kinder 302,527 377,403 71.6 Raymond Risucci Dorian Oldham 18. Sokol Fazliu 42,982 56,961 79.6 James Keefer Simon Arias | 18. William Myatt 296,825 382,073 76.2 Chad Panzer Brandon Cooley 19. Keith Coscia 42,847 43,528 86 Darron Hacker — Surace-Smith 19. Anita Ferris 295,016 411,295 82.8 Steven Cox Steve Friedlander 20. Aldina DaRosa 42,725 47,424 84.2 Byron Paz Josh Chalom 20. Mark Glazer 280,175 408,240 73.1 Jason Bratin Theodore Pappas

ALL TIME RECORD: $441,104 1st Six Mo Agt | ALL TIME RECORD: $1,468,394 1st Six Mo Agt

«| ALL TIME RECORD: $624,474 Net ALP | ALL TIME RECORD: $2,262,883 Net ALP

October Production Y YTD Production

2 А 2 А о о о о = [©] = [©] == à = < Е б Е < с 2 2 2 2 j 2 E: 2 2 | 1. Zachary Hart $226,139 $328,571 77.6 Surace-Smith | *1. Zachary Hart $1,709,346 $2,460,355 77.6 Surace-Smith l 2. Matthew Parks 139,084 213,091 75.4 Surace-Smith | *2. Matthew Parks 1,190,655 1,833,295 75.4 Surace-Smith | 3. Daniel Hartwig 126,223 222,468 76.3 Surace-Smith | *3. Justin Adams 1,132,321 1,518,958 69.8 Simon Arias | 4. Jason Bratin 114,234 143,529 69.0 Theodore Pappas | *4. Jason Bratin 952,977 1,437,314 69.0 Theodore Pappas | 5. Stephen Hill 113,282 208,504 69.5 Steve Friedlander | *5. Mathew Hart 950,481 1,378,551 70.2 Surace-Smith 4 6. Mathew Hart 104,407 151,754 70.2 Surace-Smith | 6. Stephen Jubrey 918,631 1,758,792 77.9 Oldham-Bianchi ] 7. Brett Gryska 103,627 191,739 73.7 Oldham-Bianchi 9 7. Matthew Diulus 898,306 1,370,360 69.6 Simon Arias 3 8. Raymond Risucci 101,173 126,786 76.3 Dorian Oldham | 8. Ofa Tupouniua 829,611 1,223,330 72.2 Steve Friedlander | 9. OfaTupouniua 86,107 111,042 72.2 Steve Friedlander | o. Stephen Hill 788,445 1,439,388 69.5 Steve Friedlander f 10. Stephen Jubrey 85,492 168,743 77.9 Oldham-Bianchi | 10. Brett Gryska 718,483 1,319,378 73.7 Oldham-Bianchi | 11. Justin Adams 82,234 137,082 69.8 Simon Arias | 11. Samuel Cohen 674,937 1,266,628 72.8 Fred Hadayia | 12. Thomas Vena 80,634 119,140 76.1 Simon Arias | 12. Robert Kanaan 633,063 933,051 72.6 Imran Satti | 13. Robert Dunn 80,203 128,827 77.1 Surace-Smith | 13. Doreen Ryan-Foti 618,742 2,005,606 72.5 Jatoft-Foti | 14. Elias Hazen 77,059 114,452 77.6 Surace-Smith | 14. Daniel Hartwig 619,566 1,084,876 76.3 Surace-Smith | 15. Robert Kanaan 76,108 127,979 72.6 Imran Satti | 15. Raymond Risucci 602,270 832,594 76.3 Dorian Oldham | 16. Mack Doby 74,936 76,175 77.6 Joseph Diecedue | 16. Elias Hazen 599,965 909,720 77.6 Surace-Smith | 17. Ryan Bisanz 73,114 121,122 73.5 Brian Traboulay | 17. Robert Dunn 584,552 828,053 77.1 Surace-Smith | 18. Вугоп Ра2 71,398 125,604 78.7 Josh Chalom | 18. Thomas Vena 553,085 813,604 76.1 Simon Arias | 19. George Noujaim 66,148 80,814 84.0 Philip Prata | 19. Michael Romeo 533,360 1,012,712 77.6 Oldham-Bianchi | 20. Dustin Dunlap 65,904 77,900 75.5 Surace-Smith 20. Randy Teyssier 525,268 765,383 75.7 Simon Arias ALL TIME RECORD: $438,277 1st Six Mo Agt ) ALL TIME RECORD: STEPHEN HILL $2,476,896 1st Six Мо Agt ALL TIME RECORD: $723,872 Net ALP | ALL TIME RECORD: $4,468,285 Net ALP

Е E å ае? 7 Тее? Е - - S А - = "^ g J J - е Е J g J и T g Е E T C - ; T E E ^

October Production Eo YTD Production

1st Six Mo Agt Net to Gross Retention

1st Six Mo Agt Net to Gross Retention

1. Patrick Bendure $532,667 $792,160 75.4 Surace-Smith *1. Patrick Bendure $3,842,207 $5,679,979 75.4 Surace-Smith 2. Michael Vasu 420,286 656,422 73.5 Surace-Smith *2. Michael Vasu 3,459,944 5,321,680 73.5 Surace-Smith 3. Thomas Vena 303,714 503,950 73.5 Simon Arias 3. Thomas Vena 3,372,054 5,020,372 73.5 Simon Arias 4. BoGentile 235,049 380,365 71.4 Williams-Zophin 4. Justin Adams 2,498,230 3,557,548 70.6 Simon Arias 5. Justin Adams 230,230 378,694 70.6 Simon Arias 5. BoGentile 2,485,595 3,958,714 71.4 Williams-Zophin 6. Brett Gryska 182,118 352,426 75.8 | Oldham-Bianchi 6. Brett Gryska 2,095,176 3,775,839 75.8 Oldham-Bianchi 7. Robert Janev 169,562 226,800 69.6 Sabrina Lloyd 7. Stephen Hill 1,836,571 2,749,378 72.9 Steve Friedlander 8. Раш Kelly 147,382 233,967 80.8 Steve Friedlander 8. Samuel Cohen 1,397,401 2,414,857 73.8 Fred Hadayia 9. Stephen Hill 141,619 242,828 72.9 Steve Friedlander 9. Robert Janev 1,275,747 1,574,013 69.6 Sabrina Lloyd

10. Stephen Jubrey 140,081 259,811 77.9 Oldham-Bianchi 10. Stephen Jubrey 1,271,583 2,457,914 77.9 Oldham-Bianchi

ALL TIME RECORD: TAINA LAMEKO $5,230,627 1st Six Mo Agt ALL TIME RECORD: $8,242,209 Net ALP

ALL TIME RECORD: $980,159 1st Six Mo Agt ALL TIME RECORD: $1,435,508 Net ALP

— Category Net to Gross Retention 1st Six Mo % of 1st Six Mo Obj Performance Factor (% Net ALP Growth + % 1st 6mo Obj}

Simon Arias $561,961 $347,000 Surace-Smith 952,954 510,000 Williams-Zophin 235,055 225,000 Oldham-Bianchi 257,867 282,000

Fred Hadayia $156,994 $158,000 Bob Olson 157,813 182,000 Giglione-Ackerman 162,729 185,000

Steve Greer $189,488 $139,000 Imran Satti 159,248 147,000 Matt Henderson 163,006 139,000 Chris Hernandez 107,373 134,000 David Hausman 111,430 130,000

Laura Fisher 76.5 $112,431 $113,000 99

Sabrina Lloyd 69.8 $169,563 $104,000 163 Joseph Diecedue 75.6 173,500 104,000 167

VI Brandon Cooley 76.2 $172,838 $143,000 121 VII Philip Prata 75.9 $115,974 $80,000 145 VIII Jeremy Welch 74.7 $98,792 $70,000 141

Net to Gross Performance

96 of 1st Six Factor

— Category Retention 1st Six Mo 1st Six Mo Mo Obj (% Net ALP Growth + % 1st 6mo Obj}

Simon Arias $6,267,634 $3,470,000 Surace-Smith 7,297,810 5,100,000 Williams-Zophin 2,478,734 2,250,000 Oldham-Bianchi 3,148,318 2,820,000 Theodore Pappas $2,318,525 $2,170,000 Fred Hadayia 1,710,195 1,580,000 Bob Olson 1,707,777 1,820,000 Giglione-Ackerman 1,599,195 1,850,000

Steve Greer $1,838,840 $1,390,000 Matt Henderson 1,454,790 1,390,000 Imran Satti 1,390,324 1,470,000 Chris Hernandez 1,087,842 1,273,000

Slav Bitman 75.5 $1,187,543 $1,130,000 105

Sabrina Lloyd 69.8 $1,279,715 $1,040,000 123 Joseph Diecedue 75.6 1,197,138 1,040,000 115

VI Brandon Cooley 76.2 $1,436,642 $1,322,000 109 VII Philip Prata 75.9 $834,055 $800,000 104 Vill Jeremy Welch 74.7 $923,692 $700,000 132

Top Rookies Top Start-Up

Net to Gross а Net to Gross

Rookie Cunningham-Weatherspoon $150,550 Й Rookie Cunningham-Weatherspoon $1,333,024 Alex Roland 147,216 8 Alex Roland 1,230,472 Dorian Oldham 146,836 Dorian Oldham 1,089,053 James Bailey 46,868 8 James Bailey 444,085

Javier Sandoval $43,663 7 Jason Adamo $433,474

Scott Davis 43,570 Samantha Chui 327,164

Samantha Chui 34,046 Javier Sandoval 275,517

Jason Adamo 28,443 Scott Davis 112,538 28 Gevorg Yanukyan 23,458

30

Rookie

d 4 IceBreaker

Rookie

47!

October Production

Category

Chuck Hill

Mark Gagliardi

Al Wall Susan Gilbert Larry Lozano

Maureen Roberts Robin Andrade

Marlene Alen

Holland Harriss

Shelly Korb

David Blaisdell

Cheryl Cook Patrena Smith Jodi Oleson Robin Denham Paul Winslow Darrell Dorey

Elizabeth Reyer-Corley

Ken Altizer Dion Dizon

IceBreaker Dion Dizon

азса

October Results

Cindy Cleary Jason Beckman Beth Farm Susan Kelleher Katherine Kidder

YTD Results

Susan Kelleher Jacqueline deVooght

Cindy Cleary

Dawn Trudden JT Tasker

Elizabeth Reyer-Corley

Nor CA & Reno/ Larry Strong Nor CA & Reno/ Chuck Hill Toronto / Debbie Enstedt Chicago / Dawn Trudden

Nor CA & Reno / Chuck Hill NY State / T J Tasker

Mass & RI / Susan Kelleher Southern FL / Steve Sanchez Southern FL / Steve Sanchez GA / John Keliher

TN & SW NC / Beth Farm РА / Katherine Kidder

CT & W MA/ Susan Kelleher WI / Laurie Onasch

KS & NW MO / Cindy Cleary St Louis / Cindy Cleary Maritimes / Debbie Enstedt MS / Cindy Cleary

WV / Michelle Baxter

НІ / Daryl Barnett

MS / Cindy Cleary

НІ / Daryl Barnett

Director

Patti Morgan Patti Morgan Patti Morgan Laurie Onasch Denise Gilbert

Director

Laurie Onasch Debbie Enstedt Patti Morgan Denise Gilbert Billy Sauers

Category Production

Mark Gagliardi 22,168 Nor CA & Reno / Chuck Hill Malka Arony 20,943 AZ / Tim Farr Chuck Hill 19,513 Nor CA / Larry Strong

Rona Pileggi Spano 19,346 Chicago / Dawn Trudden

Brenda Di Somma 18,775 NJ / Brian Ryan

Robin Andrade 20,704 Mass & RI / Susan Kelleher Erica Dalager 8,784 MN / Laurie Onasch

J T Tasker 8,583 NY State / Billy Sauers Maureen Roberts 8,475 NY State / J T Tasker

David Scalisi 8,447 NY State / J T Tasker Katherine Kidder 12,826 РА / Denise Gilbert

Julia DiBartolomeo 11,509 AZ / Malka Arony

Tamara Williams 11,439 IN / Michelle Baxter

Mario Soljan 11,332 NZ / Steve Friedlander David Blaisdell 7,905 TN & SW NC / Beth Farm Paul Winslow 17,864 St Louis / Cindy Cleary Ken Altizer 17,185 WV / Michelle Baxter Darrell Dorey 10,902 Maritimes / Debbie Enstedt Shane Knowles 10,021 ME & NH / Susan Kelleher Anna Guido-Rohrer 9,945 Southern OH / Michelle Baxter

ел e. 9, 5494 2a a ел *a-. 2a. 52,2, 20. 28, “өл ^04 ^02 “өл?6л2ел 02, 0a On, (ga €

Sue Akers Laurie Gruber Amanda Mlinaz Jaime Starcheski

Marlene Alen Anna Guido-Rohrer Pater Nielsen Sarah Thompson-Dufrechou

Ken Altizer Holland Harriss Tim O'Connor Jessica Treybick

Robin Andrade Jenny Hearns Jodi Oleson Leo VanDenBussche

William Bell Shad Henderson Steve Orcherton Bill Verbeten

Gabriela Berloni Krissa Hensley Kathleen Pappas John Wagner

David Blaisdell Dee Hettinger Nicole Pate Jace Wainwright

Manon Brulotte Charles Hill Elizabeth Reyer-Corley Al Wall

Lou Nell Busby Brett Hulme Maureen Roberts Bernard Weaver

Fran Christie Sandra Knapp Cas Robinson Paul Winslow

Cheryl Cook Marilyn Kohlhase Chas Robinson

Christa Davis Michelle Korb Irene Rurycz

Robin Denham Timothy Leary Nicole Schneider

Brenda Di Somma Tracy Little Crystal Senour > Julia DiBartolomeo Jacqueline Lowe William Slocum 3 Dion Dizon Larry Lozano Patrena Smith

Darrell Dorey Lacy Martin John Smyth

Vivian Dwyer Carol Matthai Mario Soljan

Lee Fivenson Erin McKee Rona Spano

Mark Gagliardi Mary McPherson Jennifer Sprout

Susan Gilbert Thomas Meadows Christina Stableford

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Qualifier Bonus Qualifier Bonus Qualifier Qualifier Bonus Qualifier Bonus

32 Spotlight November 2012 lli It’s Time

= | Nicholas Moore $1,377 Joy Horcajo $1,236 Kenneth D Johnson $1,121 Bryan Bustos $1,006 Nathen Causman $937 Cm (| || М mI ^ Sharon Nigota 1,376 Jeanette Ortiz 1,231 Jennifer Wehrle 1,121 Dwayne Hargrove 1,006 John Del Bianco 934 1 = — - a г — гет — Um р Levi Stearns 1,275 LaTonya Tucker 1,230 Katherine Campbell 1,120 Evergreen Am 1,005 Natalia Tahana 933 = ТЕЕ L——1 Е Jacqueline McHugh 1,374 Corey Hallam 1,230 Luz Torres 1,116 Jason Faflik 1,004 Vanessa Arnett 932 Afuiva Vaai 1,370 Lawrence Broussard 1,230 Cherie Mohn 1,115 Dennis Perry 1,004 Kascey Williamson 931 Muhammad Zulfiqar 1,369 Michael Brunello 1,228 Brooke Beeman 1,115 Victor Rodos 1,004 Joseph Chighizola 928 Qualifier Amount SGA Qualifier Amount Stephen Staats 1,367 John Rowe 1,222 Lesina Ah Sue 1:112 Anita Ferris 1,003 Lee Jeffers 927 А В s қ Yuridia Stoffa 1,360 Daniel Maslanka 1,220 Tasha Tucker 1:112 Howard Dotson 1,003 Leandro Silva 924 Mark Neilson $16,474 Altig-Orlovic Ronald Rivera $5,025 Cohen-Cohen Dominic Okonta 1,359 Darlene Downey 1,219 Charles Ferrari 1,111 Jaman Testerman 1,003 Amr Shater 923 Alan Sedaghat 12,913 Altig-Orlovic Daniel Toshner 4,632 Altig-Orlovic Benjamin Miller 1,359 Teresa Daveiga 1,216 Lockert Johnson 1,110 Nicole Brown 1,002 Mariama Kandeh 922 к A ; : Pedro Claro 1357 Casey Cash 1,213 Dawn Bonnell 1,110 Joshua Bugbee 1,002 Sheree Norman 918 Brian Gilmore 8,670 Simon Arias Max Quasem 4,295 Cohen-Cohen Louis Anderson 1,356 Daniel Collett 1,213 Gregory Reinbold 1,108 William Charnow 1,001 Richard Humphrey 917 Roghie Hassan Loo 6,072 Josh Chalom Chad Davis 4,274 Imran Satti 5d 1 en — d is T Ue eR. Xe 2. 2. , en re pe

; ; ; " ; effrey Hoffman ; ebastian Horruitiner n aymond Ross " umberto Contreras-Suarez 1, e er Katie Massart 5,650 Altig-Orlovic Ryan Kendl 4165 Altig-Orlovic Ryan Ward 1,342 Joshua Galdston 1,210 Christopher Thomas 1,100 Hinemoa Munro 1,000 ee Duval 915 Kevin Haines 1,341 Brandon Summerton 1,209 Faaumatausaga Lealaiauloto 1,100 Crystal Reeves 999 Adan Jimenez 914 е Im jx m ie: David Ramirez 1,339 Marcus Street 1,202 Taina Lameko 1,097 Preeti Sahgal 999 Paul Villar 914 Qualifier Bonus Qualifier Bonus Qualifier Bonus Qualifier Bonus Qualifier Bonus Oluwaseun Cole 1,338 Dorothy Niederer 1,202 Paul Basek 1,095 Tenisha Seny 998 Michelle Savage-Cooke 912 Charles Shafor 1:329 Phillip Wallace 1,202 Elliott Johnson 1,094 Luke Edwin 995 Randolph Souliers 911 Britton Costa $4,121 Michael Burningham 92,375 Anthony Stephens $1,935 Bernardo Lopez $1,719 Richard Scofield $1,520 Sean Grant 1,327 Kim Scott 1,201 Oscar Flores-Najarro 1,093 Jennifer Kopitski 994 Marcus Shorts 911 Amy Shui 4,104 Kelly McDonald 2,349 Omar Haskin: 1,926 Kyle Vangenne 1,714 Maria Santiago 1,520 Janson Bennett 1,326 Atatui Tavake 1,200 Cindy Rodriguez 1,092 Ritia Tokahere 989 Jason Johnson 911 Samson Adelufosi 4,085 Michelle Anderson 2,339 Karen McQuoid 1,905 Rory Larkin 1,713 Sonia Tyner 1,519 Charles Moore 1,326 Tilly Roebeck 1,200 Eric Caldwell 1,092 Mohammed Haroon 989 John Holstein 910 Angel Arista 4,064 Helen Taylor 2,337 Andrew боа 1,895 Thor Simon 1,709 Ross Ewen 1,518 Nicholas Walsh 1,320 Josh Tompkin 1,198 Anaya Clark-Hart 1,089 Matthew Caternolo 984 Mark Streeter 909 Christopher Williams 4,008 Todd Homer 2,276 Stephanie Novel 1,894 Samvel Tigranyan 1,708 Jason South 1,511 Mohammed Moalawi 1,319 James MacMillan 1,195 Maxx Schumann 1,087 Sharlene Key 983 Dylan Suagee 908 Ruben Soberanes 3,969 Levi Wright 2,227 Dean Jensen 1,883 Thomas VanOsdol 1,706 Caleb Longley 1,506 Matthew Horgan 1,319 Lindsey Swanke 1,193 Chena Blair 1,086 Maria Diringer 983 Mark Diebolt 906 Lily Tchen 3,931 Samy Jacques 2,214 Charles Liscomb 1,881 Zachary Bailiff 1,706 Jemima Mozard 1,502 Kyle Glott р 1,312 Whitney Williams 1,193 Brian Dunphy 1,086 Kaitlin Connolly 982 Bryan Blust 906 Erez Shabtay 3,801 Benjamin Jobe 2,205 Dunia Carrion-Lachy 1,879 Massoud Vaziri 1,701 Jeffrey Kosek 1,501 Donavan Smith 1,312 Timothy Frederick 1,190 Erin Moyer 1,086 Debra Guay 982 Hakan Ozalpasan 904 Joshua Dishong 3,754 Nicholas Triantafyllidis 2,173 Prokopios Verros 1,869 Sean Hansen 1,701 Jinzhou Zhao 1,501 Sheryl Roy 1,310 John Leggio 1,188 Donald Swartwood 1,082 Caitlin Herlihy . 981 Sean Riley 903 Adam Kahn 3,721 Matthew Vowell 2,172 Al-Karim Walji 1,850 Travis Kajiwara 1,695 Donte Grant 1,499 Brittany Long 1,305 Helen Davidson 1,187 Ryan Jacobs 1,078 Alexandra Hilario 980 Maria Magallon 903 Brice Tan 3,713 Peter Lludousele 2,170 Mohammed Ashrak 1,846 Odilia Goulart 1,692 Robert Раі 1,498 Marc Montecalvo 1,304 Lineti Makaafi 1,184 Cole Baker 1,077 Anthony Ventura 979 Michaela Williamson 902 George Lahamedjian 3,600 Joseph Podrasky 2,167 Peter Kaplanis 1,845 Joey Kennedy 1,688 Paul Kelly 1,496 Michael Rodriguez 1,301 Timothy E Smith 1,180 Michael Coulthard 1,076 Maryam Alajoom 978 Frank Colletti 902 Bradley Weigand 3,527 Danielle Jankowski 2,159 Lacee Port 1,840 Seth Reising 1,685 Chris Chase 1,487 Ryan Coleman 1,301 Ashley Clement 1,176 David Grovu 1,074 ‘Tara Kraus 977 William Cassity 902 Jennifer Holliday 3,485 Mynor Lemus 2,138 Bice amine 1,837 Alex Merveus 1,675 Maia Aleon 1,483 Blanche Harris 1,297 Dameian Dowell 1,175 Floyd Musgrave 1,072 Matt Flores 976 Terry Rosebrock 901 Nicole Randazzio 3,298 Michael Poaps 2,134 Kirsten Anderson 1,825 Larry Gatt 1,663 Dustin Dunbar 1,482 Daniel Crichton 1,293 Israel J oseph 1,173 ‘Tyler Milliken 1,068 Ryan Landmark 974 Virginia Lee 899 Carmela Pellen 3,259 Christene MacAloney 2,130 Kyle Larimore 1,823 Amy Pierson 1,660 Samneang Prom 1,471 Tram Pham 1,289 Cynthia Mohler 1,170 Gilana Smith 1,068 Aren Jackson 971 Kory Allenbaugh 898 Richard Luzaich 3,203 Peter Noel 2,116 Tracy Long 1,820 Epenesa Frost 1,659 Orett Nelson 1,470 David Darienzo 1,289 Jarieu Bayoh 1,168 Brian Rusk 1,066 Roberto Navarro 971 Joshua P Cook 897 Tom Weller 3,161 Ryan Leong 2,112 Dawn Selden 1,807 Cheryl Memory 1,658 Jaison Gallagher 1,470 David C Jackson 1,288 Jordan Albright 1,167 Carrie Burgess 1,066 Lisa Kahan 971 Тап Panter 897 Lamar Livingston 3,151 Juana Robinson 2,111 Benton Tong 1,803 Raymon Reynolds 1,637 Alberto Puig 1,469 Kimberly Yarbrough 1,287 Gretchen Spain 1,167 Melvin Arritt 1,065 Kenneth Rienth 971 Majid Shiraz 896 Angel Patryluk 2,884 James Rappold 2,101 Tom Morrell 1,803 Musediq Abdul 1,633 John Nasti 1,465 Marian Aboud 1,286 Glaister Parke 1,165 Tony Geer . 1,060 Linda Byas 968 Cristi Huffman 896 Corey LaVigne 2,829 Bernadette Casciato 2,092 Kelly Hassert 1,802 Eugene Borcan 1,632 Jerry Johnston 1,463 Derick Kerr . 1,281 Krystal Gordon 1,160 Shannon Neville 1,059 Arie Davis , 967 Steven Rotherforth 894 artnet 2,796 Sally Wilson 2,078 Kurt Kohles 1,800 dunque 1,632 Steven Sparkes 1,463 Edward Defurio 1,279 Brittany Sykes 1,159 Lalofau Faaitiiti 1,059 Fariba Darvishzadeh 965 Janel Wilder 894 Benjamin Ainscough 2,750 Justin Fisher 2,077 Zbigniew Stankiewicz 1,797 Meakie Grice 1,626 Milton Alexander 1,462 Jonathan Hobbs 1,278 Bryan Czajkowski 1,158 Thomas Abalos . 1,057 Debbie Hardy 961 Ryan Polz 894 Kelly Roschbach 2,727 Connie Reichard 2,057 Trevor Mayer 1,793 Jason Levasseur 1,617 Violetta Goldman 1,461 David Blystone 1,276 Brian Tamburlin 1,157 Benjamin Mancillas 1,056 Shenelle Abraham 961 Cindi Walker . 893 Melinda Kinsey 2,692 Tina Phongsavath 2,055 Alex Gonzales 1,789 Melody McCrea 1,611 Leslie Моно 1,461 Dakota Little 1,272 David O'Neil 1,155 Joseph Hedborn 1,054 Gregory Johnson 960 Carmenlita Green-Harris 893 Jeffrey Pearce 2,690 Zepher Loesch 2,051 Jeremiah Wiskeman 1,789 Amandeep Gill 1,605 Joseph Sarasin 1,448 Benjamin Gilbert 1,269 Michelle Castaneda 1,154 Chandra Estus . 1,053 Rita Charles 960 Martha Miller 892 Mark Lomonaco 2,625 Corey Smith 2,045 Jane Callies 1,786 Fritznel Octave 1,597 Natasha Waltenbaugh 1,440 Les Swain 1,268 Agatha Safford 1,153 ‘Thomas Tulowiecki 1,051 James Dockrill 958 Christopher Velazquez 891 Lora Beronja 2,610 Kasali Конт 2,044 Joshua Lenix 1,780 Susan daCiruz 1,593 Damon McCall 1,435 Justin Germany 1,268 Paramjit Sangha 1,153 DeAnthony Hartman 1,047 Kennethia Walker 956 Dennis Titcombe 890 David Broughton 2,566 Richard Carter 2,043 Katina Scarbro 1,778 Bilal Farsakh 1,589 James Aalders 1,432 Jahara Lewis 1,265 Dennis Munro 1,152 Evelyn Gutierrez 1,047 Gregory McDuffie 955 Carlee Richards 886 Roosevelt Jeanty 2,564 Faamanu Vau 2,026 Christopher Weglarz 1,777 Jeffrey Shoemaker 1,577 Allison Hanson 1,424 Lewis Clack 1,265 I ieh Mantolino 1,152 Ryan Boomer 1,044 Jose Carvajal 954 Freida Yakubov . 882 Scott Hanna 2,555 Christine Augustus 2,018 Denis Snyder 1471 Lynn Doolittle 1,574 Yadollah Pourjalali 1,423 Ernest Jones 1,263 Justin McDonald 1,150 Ashley Vickers 1,044 Michelle Burkhardt 953 Theresalee Aupouri 881 Erin Allen 2,547 Teo Underhill 2,012 Rennie Slone 1,771 Samuel Vasquez 1,573 Jeff Rouse 1,420 Blake Berry 1,263 Andrew Fiander 1,150 Vakhtang Nazaryan 1,043 Liliya Hrabar 952 Faleuseni Maumau 878 Jesusdieu Portilus 2,538 Nigel Hales 1,997 Bernard Oliphant 1,771 Edward Hardy 1,570 Cody Self 1,419 Robert Ulreich 1,261 Beau Springer 1,147 Fetongi Finau 1,041 Anshul Malhotra 952 William Aden 877 Mark Bleier 2,534 Thomas King 1,996 Melissa Losk 1,765 Visesio Setefano 1,560 Minnie Lee 1,415 Justin Tyburski 1,254 E ата Mattingly 1,147 Angela Willis 1,041 Adam Field 952 Alma Castillo TM 875 Steven Stensrud 2,529 Mario Chavez 1,996 Dustin Klingebiel 1,763 Jodi Bohdal 1,559 Marko Brkovic 1,413 Alex Rozotto 1,252 Kevin Ihomas 1,147 Pamela Hacker 1,039 Scott Remmey 950 Christopher Straccialini 874 Jesse Wise 2,529 Daniel Armstrong 1,986 Lleison Martinez 1,756 Ronald Knight 1,558 Beth. Snow: 1,404 Michelle McCampbell 1,252 Cassandra Brooks 1,143 Otis Ambrose 1,039 Raymond Angeles 950 Ronald Washington 874 Michael van Delft 2,517 Mercedes Ayala 1,980 Stephen Darrington 1,753 Gary Gooden 1,557 Amelia Ropetikilifi 1,401 Marino Baca 1,252 Andrew Angleton 1,139 Lawrence Reardon 1,035 Michael Sudzina 949 David Miller 873 Tone Munro 2517 Maren Conway 1,977 Jamie Winters 1,750 Derrick Wright 1,556 Ronald Rowe 1,397 Michael Erhardt 1,251 Alleyson Murray 1,135 Willie Hayden 1,024 Janice Moseychuck 946 Katharine Myers 873 Maijargal Sukhbaatar 2,469 Christopher Cannon 1,962 Denville Loney 1,732 Ellen Schultz 1,556 Roberto Nieves 1,395 John Sparby 1,251 Donald Devoise 1,134 Ryan Ballard 1,022 William Brookshire 944 Alieu Drammeh 873 Liliana Avila 2,449 Janelle Price 1,955 Patrick Rieger 1,730 Kevin Ishikane 1,556 Logan Morris 1,395 Codey Kinemond 1,247 Sherry Schick 1,133 Jasphur Montgomery 1,021 Melissa Russell 944 Melody Short 873 Yvette Nelson 2,438 Elaine Коа 1,955 Theresa Bellajaro 1,730 Kaitlyn Good 1,556 Joseph Cost 1,394 Bradley Kampmeier 1,246 Camilo Jimenez-Lozano 1,131 Ricardo Garavito 1,017 Jeffrey Cook 944 Nina Dolman 872 Casey Sperzel 2,403 Anthony Sava 1,952 David Norman 1,729 John Salvaggi 1,553 Betty Hewlett 1,393 Gregory Roller 1,245 Clarence Waller 1,130 Sanel Hadzisakovic 1,016 Joseph Vasquez 943 Robert Recker 872 Darwin Roman 2,396 Miranda Mortensen 1,950 Andrew Melanson 1,727 Brock Taylor 1,548 Gregory Wolfe 1,389 Carly Ferraro 1,242 Yolette Mompoint 1,126 Jonathan Kitzmiller 1,013 Kayla Pecora 942 James Gallo 871 Laurie Taylor 2,395 Jamie Perse 1,947 Nichet Mayo 1,727 Thomas Crutcher 1,547 Michael Johansen 1,385 Shome Brown 1,240 Michael Schumacher 1,126 Martin Carbo 1,013 Robert Simmen 941 James С Smith 871 Mary Maida Fujii 2,391 Michael Stover 1,945 Dawn LeBlanc 1,722 Eric Thompson 1,526 Jogina Green 1,383 Elizabeth Staley 1,239 Raquel Hall р 1,124 Alfredo Hung-Lam 1,011 Noel Blair . 941 Aaron Garcia 870 Lafi Papalii 2,388 Ala Awad 1,942 Brandon Marshall 1,721 Victor Restrepo 1,523 Jeremy Broumpton 1,382 Pamela Wollenberg 1,238 Timothy Cruise 1,123 Shakadria Harold 1,011 Sonia Ramirez 938 Natalie Soboleva 869

It's Time Bl Spotlight November 2012 33

Qualifier

Patricia G Lee Christina Paepaega Tammy Griswold Rachel Balasingam Annabelle Laxamana Eddie Dhillon Susan Stubbs Richard Smith Daniel Fifita

Jean Joseph

Jeffrey MacBain Troy Heiser

Billy Jones

Jessica Siet

Debra Krebs Darryl Lockett Fuaifale Mauu Tyler Stewart Matthew Query Manuel Franco Victor Rosario Lindsay Hunt Fiavaai Pereira Endrakial Johnson Andria Standifer Elizabeth Hodgson Alexandra Curtin James Glenellen Sofia Valji

Rangi Tata

Kayla Crosser Gary Brown

Israel Wizenfeld Katherine Boggan Tyler McKnight Christopher Alderson Kyle Jefferson Daniel Labbato Douglas Zigby Gregory Demuesy Mason Bartlett Soa Fasi

Robert Schmidt Casey Mason Patricia Nurse

Jose Guerreiro Paavo Cymanow Curt Snow Stephen Andrus Hugh Thompson Iman Masboob David Polk

Steven Lipton Amanda Smith Barbara Stillwell Jason Hollingsworth Tony Laulu William Potter Demetrius Broussard Devin Jump

John Snelson

Isha Lewis

Fadi Farha

Jesus Lora

Ronald Kutruff Louis Kasibante Isaiah Curry Maxwell Nudelman Shaquita Taylor Zachary Locuson

Marcus Howard

Bonus

799 798 798 797 797

ШІ sm Qualifier

Kingsley Tazinya Natain Stam Vaimalaala Taufa Steven Levin Kevin Ristau

Vu Phan

Gary Bowen Dane Vanessen Bruce Viaje Kathryn Holder Carlos Arballo Fito Jean-Louis Videl Seymour Naguib Elcure Ronald Baldwin Ho Tran

Jera Daye Derrick Coates Heather Trehan Brien Standifer Luther Saylor Devon Miller Kyle Bennett Seselo Asitomani Elizabeth Berres Stephen Gross Joseph Carter Elyse Bryan Stephanie Giordano Andrew Mackmin Blake Toland

Shawna Paramo-Laviolette

William Foote Alexarissa Milner Joyce Gay

Katie Cetina Joshua Burda Laura Thornton Robert Jimenez

Hilary Giallourakis

Christian Aguilar-Johnson

Alireza Yaesubi Michael Dibona Joseph Cruickshank Henry Fornet David Guns

Alofi Suasua Marva Lumar Garret Kun Robert Burroughs Aden Schrock Juan Justiniano Andrzej Sertler Corinne Bradley Anand Jailall Corey Bryant Marsha Bolden Johnny Maynard Andrea Barenholtz Keneti Samaivao Lisa Armour Patrick Fowler Komlavi Amouzou Gregory Davis Omar Alvizar Carly Burns

Jan Brenton

Devin Adams David Riddle Thomas Boudreaux Unique Hunnicutt

34 Spotlight November 2012 В It’s Time

Bonus

$796 796 795 795 794 794 793 793 793 793 792 792 792 792 791 790 788 786 786 785 784 784 783 783 780 779 779 778 776 776 776 774 774 773 773 772 771 771 770 770 770 769 768 765 765 765 764 764 763 762 762 761 760 760 760 760 759 759 758 758 758 758 756 759 752 751 749 748 746 746 745

Qualifier

Melissa Nutall Matthew Benjamin Gjergji Zemblaku Maureen Moors Darnelle Keala Falina Long Stephen Giddens Andrea Hatcher Mike Hudnall Charles Fadumiye Candice Williamson Jun Ma

Steve Marker

Anne Strayer

Corey Moore Mickenzie Linse Wanda Elder Aldina DaRosa

Fari Darvishzadeh Ronald Beckerson

Erica Terneus

Manehunga Ropetiiupeli

Jose Ayala Clarence Jones Katherine Lorenz Veselin Filchev Ty Daniels Talitha Ehrlich Sani Masuini Andrew Papile Shawny Blankingship Abiola Siwoniku Mikhail Mishkov Rafael Solorzano Gabriel Feldmann John Ladner Devin Dingey Jovan Garcia Genesisjane Hall Patrick Guthrie Maria Hinojosa Thomas Tiller Jason Roark Michael Ludgate Michelle Wieland Michel LaHaye Gina Lopez-Velasquez Austin Wallace Jennifer Sustache Robert Drake Alexandra Rojas Geraldine Kern

R Jordan Gracie-Kennaley

Liam Flaherty Ortlanique Bodie Oscar Ortiz

Tony Pencil

Hoang Nguyen Leah Warner

Lucas Wood Andrew Van Kleeck James Kelly

Peter Mello Jennifer Young Bettie Wallace-Moore Tameia Wright Thomas Wooden James Thompson Andrew Wagner James Gilbert Cherylece Watkins

Bonus

$744 744 744 741 741 740 740 738 737 737 734 733 733 732 731 731 731 730 729 729 728 727 725 725 724 724 720 719 719 719 719 717 717 717 715 713 711 710 710 710 709 707 707 706 704 704 704 704 703 702 702 701 701 701 700 700 700 699 699 698 696 695 694 694 694 693 691 689 688 687 686

Qualifier

Susan Vickers Antonio Bond Joshua Franco Erich Bassett Larry Giddens Darrel DeBerry Joey Lin

Andrew Bayang David Koons Soonalote Taogaga Kathryn Marcella Amandeep Singh Cherie Wihapi Ann Doolin Rosina Okusi Linda Jackson Nicholas Powell Scott Chaya Charles Hobbs Charles Hudson Kayla Buster Charles Belt Justina Toomata Benito Menchaca Keven Silvia Chayna Phillips Jordan Loftus James Williams Gabriel Sheshka Ciciley Rainey Matthew Furay Robinson Parramejia George Babish Leslie Austin Michelle Roberts Bryan Gaxiola Tiffinyann Shim Shirley Johnson Debra Hunter Katrina Sheldon Kim Vance Andrew Whitely Autumn Turner Naven Mason Wendy Rodriguez Latasha Hicks Mele Mafi Shannon Ruffin Courtney Coleman Donna Pilon Todd Taylor Isaiah Terrell Russell Holzer Pamala McMillan Nicholas Hodgkiss Kevin DeGoey Desseire Fahie Lyman Bateman Scott Florin Bryant Ortiz Tara Manning Roger Wilson Jacob Kieffer Tamoy Redwood Carolyn Havens Jeffrey Edwards Elizabeth Conley Keavin Kirby Tasheda Adams Tatjana Tikhonov Samantha Mullery

Bonus

Qualifier Bonus

David Alvarez $620 Michael Shaba 620 Deborah Steele 620 Cynthia Wilhelmi 619 Evan Wicklund 618 Nicholas Indykzapka 618 Kelly Wilkerson 617 Christopher Harden 615 Donald Fogleman 614 Christopher Chovanec 613 David Schanuel 612 Serafi Tagaloa 609 Matthew Bitler 606 Marco Kiefer 606 Renee Taylor 606 Belinda Rodriguez 604 Malki Brown 603 Jeffrey Gregory 602 Nicholas Barton 601 Scott Swint 601 Blanca Villa 601 Michael Roe 600 Jacob Raine 600 Bradley Pierson 600 Matthew Elmore 599 Joseph Tuley 598 Ryan Greene 597 Joshua Brown 596 Theresa Hargette 594 Karen Sessing 594 Kelsy Horn 593 Sandra Linse 593 Brittney Nunn 592 Jeannette Rodriguez 592 Eugene Kashkin 591 Benjamin Van Fossen 590 William L Brown 589 Brian Hutchings 588 James Cohen 588 Kevin Lewis 587 Ryan Feehan 587 Gregory Carlson 586 'Tara Beach 586 Shanna Charles 586 Theodore Dyck 585 Sean Watkins 584 Leonardo Silva 584 Gregory Hayman 584 Charles Diulus 583 Eric Ramos 582 Andrew Poindexter 582 Dominic DePompei 582 Ronald Kent 582 Collin Cambridge 582 Donald Lowe 581 Christian Kabera 581 Amy Tucker 581 "Terence Moore 580 Frederick Feldtmann 580 Daniel Vilain 579 Lisset Melendez 577 David Fehr 277 Andrea Petti 576 Nicole Rex 576 Glenda Crump 575 Pamela Jenkins 574 Godfrey Goodrich 574 James Harrison 574 John Graves 573 Ebenezer Asabere 573 Scott Schwartzkopf 573

DERIN ІШ

LAG i

Qualifier

Tiqua Anderson Elton Chilcote Mark Phipps Scott Eigenbauer Perla Castro-Hart Maria Esposito Launyae Haynes Elsa Dumlao Ronald Rennich Adam Mehra Sofia Moreira Stacy Deurlein John Franklin Sergio Suarez Michael Sobel Ryan Gorman Zulfikar Bhukera Mark Harhager Yihao Chen Jerome Harrison Michael Sandoval Beatriz Noriega Jacqueline Reim Michael Ayala Theodore Schramm Carolyn Benko Jenny Alvarez

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Qualifier

Bonus

Bonus

Qualifier Bonus Leya Kirchstein $554 Andy Jaikaran 554 Andrew Cavicchi 554 Veronica Stirl 553 Paul Cherry 552 Nicholas Rogers 551 Frank Lynch 548 Charles Hood 548 John Conard 547 James Gehlke 546 Ross Budweg 546 Awan Jackson 545 Kyle Connolly 544 Christine Jesoraldo 542 Hunter Houvener 541 Erin Murray 541 Kevin Holloran 540 Arnold Iacoviello 539 James Johns 537 Pemehine Muliaga 537 Raymond Scaramuzzino 537 Elyse Sargent 537 Keith Simmons 537 Andrew Barendt 536 Renada Bogan 535 Daniel Jarach 534 Nathan Casey 534

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Qualifier

John Donovan Melanie Hail Joannabelle Magneson Forrest Parton Jacqueline Castro Vereisha Lindsay Daniel Melendez Adeyemi Akinade Brandon Luloff Douglas Dockery Kelsey Berg

Betty Gengler Stephen Almon Sandra Cardena-Molina Tiffani Fanning Amanda Hogan Imakulata Fatialofa Rory Olson Rachael Valentine Kevin Grenoble Matthew Sanchez Carol Jensen Edward Littell Papa Faaui

Daniel Phares Nicholas Buzzell

Albert Kauderer

Qualifier

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Bonus

Qualifier Bonus Kenneth Sandusky $516 Kimberly Shanks 515 Jeremiah Hayes 515 Krysta McFarland 515 Anthony Wright 515 Daniel Hurley 514 Misili Filoa 514 Alan Lyons 512 Daniel Posner 511 Donald Wetzel 511 William Eger 511 Heather Harris 511 Calvin Irving 510 Regan Vorndran 510 Timothy Taylor 509 Jeremy Parks 508 Ruben Cordova 508 Eugene Nawracaj 507 Julie Frias 507 Harrynarine Ramoutar 507 Joan Clarkin 507 Daren Wooten 507 Claire Entenmann 507 Michael Dwyer 506 Gregory Cooper 506 Robert McGrath 506 Lisa Smith 506

Qualifier Bonus Gregory Ahkuoi $506 Bruce Mainprice 506 Jennifer Range 506 Ryan Rushworth 506 Michele Insinna 505 Phillip Williams 505 Scott Gardner 504 James Hines 503 Caio Rosa 503 Jessica Rights 502 Deann Dunn 501 John Reynolds 501 Philip Parrott 500

Peter Kaplanis Fritznel Octave Tabita Neukirch

$764 723 686

Qualifier Bonus Cedric Heath $673 Benton Tong 672 Daniel Pinschmidt 666

Stephen Liberto David Ramirez

Nicole Conley

$619 586 582

Qualifier Bonus Lily Tchen $504 Dustin Henderscheid 496 Lorena Barriere 433

It’s Time

Qualifier Bonus

Tracy Lepore $432 Samuel Vasquez 417 David Higa 414

Spotlight November 2012

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Brett Gryska Robert Kanaan Samuel Cohen Nicholas Lorence Robert Dunn Mathew Hart Ryan Bisanz Raymond Risucci Elias Hazen Byron Paz

Jason Bratin Steven Cox

Ofa Tupouniua Michael Laramie Brian Welsh Aaron Parks Ala Awad Bobby Gujral Michael Romeo George Noujaim Joshua Olin Emmanuel Villasenor John McGrath Nicholas Zangardi Joshua Jackson Haoyu Xu Mark Corkrean Krista Thieme Syed Quadri Bobby Szwaja Henry Ingraham Kenneth Greer

Dustin Dunlap Michael Clemente Mack Doby Jordan Chalom Craig Strompf Ryan Hall

Maria Willgruber Andrew McQuade Lucky Faaitiiti Nigel Crowe

Ryan O'Malley Cameron Cimino Matthew Girard Randy Teyssier

Spotlight November 2012

$22,118 21,830 20,165 19,579 19,259 18,776 17,679 17,528 16,777 16,373 16,242 15,681 15,654 15,521 15,015 13,827 13,498 13,482 12,506 12,178 12,010 11,961 11,830 11,453 11,426 11,380 11,284 10,629 10,588 10,541 10,511 10,119 9,972 9,821 9,793 9,770 9,463 9,352 8,968 8,865 8,660 8,122 8,074 7,677 7,598 7,562

Carl Nazaire Ransey Vazquez Mitch Duplantis Melne Lewis Zach Otto Humberto Quintero Kasali Kotun Matthew Turnquist Levar Morgan Moswen Taylor Jake Yagjian Adeyemi Akinade Mark Kukielski Sara Welch

Cara DeFiore Erik Boyd

Darron Hacker Marko Jankovic Noel Rose

Steven King

Nasr Quadri Corey Neff Christopher Hintz Richard Johnson Richard Barbour Marian Sertler Mavrick Fredericks Sebastian Kazek Dorian Brown Robert Shafer Ryan Wilson

Dan Nebraski Ashley Wenning Angel Sanchez Jack Keiderling Bryon Welch Magda Figueiredo Paul Samra

Atta Saleh

Jared Cleckner James Allen Alfred Taren Roger Fung Darcy Schrieber Richard Henry Brent Arbour

It's Time

Bonus Qualifier Qualifier Bonus $7,492 Caleb Douce $4,121 Brandon Teter $2,662 7,470 Jessica Wilhite 4,040 Kyle Johnson 2,648 7,433 Brian Schreiter 3,949 Carlo Bonifazi 2,644 7,193 Scott Kim 3,924 Kevin Appasamy 2,621 7,188 Cherri Xie 3,880 Brian Sundberg 2,597 7,055 Kellen Cuttance 3,865 Carl Smith 2,567 7,005 Evan Holzhauer 3,810 Ross Budweg 2,559 6,924 Randall Cook 3,763 Heather Leitch 2,487 6,881 Blake Higuchi 3,761 Darren Miller 2,475 6,803 John Hancock 3,738 Sonny Gurney 2,440 6,730 Fritznel Octave 3,735. Joshua Bloomquist 2,426 6,336 Kiet Truong 3,656 John Reeves 2,414 6,305 Jessica Santamarina 3,521 Sean O'Reilly 2,401 6,299 Chris Lussier 3,401 Dustin Rushin 2,401 6,235 Gregory VanSuch 3,378 Denise Hewison 2,388 6,146 Christopher Favor 3,360 I-Perfection Harris 2,371 6,125 Hunter Houvener 3,329 John Napiza 2,340 6,056 "Travis Brock 3,326 Natalie Wagner 2,315 6,041 Stephen Jeung 3,314 Nicholas Moore 2,295 5,980 Souleymane Bah 3,251 Daniel Rapp 2,285 5,934 Andre McCallum 3,247 Ryan Fickert 2,259 5,822 Antonio Monica 3,242 Andrew Pratt 2,245 5,645 Jesse Remby 3,182 Brodie Fischer 2,227 5,645 David Wang 3,171 Luay Ghawi 2,220 5,528 Matt Pflueger 3,125: Evan Wicklund 2,176 5,504 Dustin Dunbar 3,097 Cherie Adams 2,142 5,373 Cole Murphy 3,089 Andrew Aaron 2,140 5,346 Chad Panzer 3,053 Rodney Ward 2,129 5,317 Eric LaBossiere 3,048 London Burnett 2,123 4,885 Mercedes Lloyd 3,016 Alexander Dorey 2,097 4,766 Mary-Delores Ayarzagoiia 3,014 Josh Wheeler 2,064 4,735 Rita Haidinger 2917 Aaron Ralston 2,055 4,664 Brian Wilson 2,874 Brian АШ 2,054 4,630 David Guzman 2,864 Tevita Tupouniua 2,053 4,600 Casey Kunash 2,851 Vatapuia Vavau 2,049 4,583 Sharif Grays 2,850 Robert Richman 2,049 4,436 Kyle Klipp 2,831 Matthew Conrad 2,020 4,422 Charles Diulus 2,816 Joshua Goodman 2,001 4,410 Denise Berrios 2,808 John Ophals 1,992 4,404 Albert Serur 2,803 Herman Fennell 1,986 4,338 Mark Neilson 2,785 Anita Ferris 1,951 4,280 Kathryn Chaisson 2,771 Nicole Sanders 1,906 4,188 Adam Huck 2,753 Troy Plummer 1,892 4,184 William Parmeter 2,753 Christopher McMenomy 1,889 4,142 Michelle Crowe 2,727 Jonathan Maust 1,871 4,125 Sokol Fazliu 2,708 Rajendra Narine 1,854

Alexandra Graham Christopher Vasu Tina Phongsavath Kyle Wrobel Crystal Lynch Pamela Altman Christopher Osborn Richard Whyte Ryan McIntosh Tarisa Tooke Antonio Bond Andria Standifer Hal Herman Shelly Cullen Scott Wheeler Konnor Wyly Ashley Delevieleuse Thomas Soloweyko Jodi Bohdal Kaitlyn Good Aaron McLean Ryan Tucker Unique Hunnicutt Antonio Reyes Anthony Batista James Raymond Jonathan Emura Emil Mohareb Wendy Pierre Alberto Alcala Tyler Stewart Ricardo Grandt Patrick Knouse Aldina DaRosa Catherine Gennaro Robert Biser

Jesse Spencer Samantha Sliger Andre Hawthorne Robert Burdi Delilah Abuosba Reuben Rios-Cruz Jennifer Kinder Andrew Paogofie Amr Shater Darrell Asbell

$1,838 1,830 1,830 1,827 1,813 1,797 1,778 1,752 1,745 1,716 1,670 1,663 1,649 1,645 1,643 1,638 1,632 1,612 1,592 1,580 1,552 1,530 1,526 1,517 1,501 1,486 1,476 1,453 1,452 1,447 1,442 1,436 1,432 1,419 1,410 1,409 1,398 1,397 1,371 1,370 1,369 1,367 1,366 1,365 1,356 1,351

Qualifier Bonus Sharon Brenner $1,346 Ruben Santillana 1,346 Nicholas Powell 1,346 Hector Carrillo 1,346 Richard Nypower 1,344 Zbigniew Stankiewicz 1,329 Karolina Debek 1,323 Raymond Ochoa 1,301 Joshua Cosentino 1,289 William Brookshire 1,282 Kyle Taylor 1,279 Mike Hudnall 1.277 Stacey Davis 1,262 Brooke Spain 1241 Lawerence Smith 1,219 David Iriye 1,207 Samuel Nudelman 1,199 Zachary Frentsos 1,185 Bryan Peters 1,178 Sommer Daves 1,177 Derron Alexander 1,176 Eric Peyton 1,166 Raymond Angeles 1,161 Patrice Amador 1,149 Erin Allen 1,145 Harold Durana 1,137 Shawn Donnelly 1,134 Joshua Davidson 1,132 Dustin Brooks 1,128 Rebecca Klebsch 1,117 Paul Kelly 1,100 Michael Stuver 1,095 Peter Van Der Westhuizen 1,074 Valerie Cormier 1,059 Lawrence Reardon 1,053 David Schanuel 1,040 Jean Joseph 1,036 Christopher Chovanec 1,034 Cameron Moore 1,033 Aiman Mousa 1,020 Ryan Hernandez 1,014

Qualifier

Lorenzo Lameko Keith Coscia Matthew Lukesh Yolanda Richardson Gian-Paolo Diberardo Maren Conway Brandi Hershey

John Galindo Christopher Kennedy

Patrick Donovan

Lamine Diakhate Steve Svendson Michael Lipetri Alex Hernandez Melinda-Rae Lyse Alisha Armand Amelia Ropetikilifi Caleb Longley John Velardo Devin Dingey Marc Salvaggi Daniel Umbertone Philip Walters Kristan McConnell Amie McCracken Charles Fischer Michele Kirk Antonio Evans Alvin Hagens William Myatt Michael Williams Larry Giddens Jenna Grula Timothy Wilson Scott Patterson Erin Moore

Kevin Huber Justin Tyburski Jason Wilk

Joseph Duran

Isaac Hernandez

World's Greatest $1,607,482

Bonus

$1,011 1,008 1,005 1,001 999 995 994 993 992 989 986 981 976 974 973 971 969 966 965 963 955 947 945 945 944 929 925 916 915 905 902 900 898 894 892 892 889 887 887 887 885

Qualifier

Maria Ramirez Matthew Cosic Irvin Johnson Gretchen Spain Sarai Castanon Brandon Smith Andre Bent

Carissa Van Wagenen AshLynn Orng James Summers Jonathan Beaird Mathew Mealey Yihao Chen

Philip Roffi Christine Judge Ronald Kutruff Joel Moran

Tamoy Redwood Michael Polakowski Debbie Ezernack Stephanie Ellerton Prentiss Parker Cory Hobbs Christopher Earle Mir Khan

Denice Copp Mohammed Moalawi Amanda Zophin Thomas Tiller Kristopher Washington Fuaifale Mauu Oscar Portillo

Ronnie Patea

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Tanner Daves Andy Jaikaran Charles Ferrari Michael Turney Taina Lameko Joy Nardone Tere Diamond

Dwelyn Smith

Reinstatement

$40,524

Elaine Kulawiak Shorne Brown

Ho Tran

Cynthia Schneiderman Ashley Gregg Jasmine Milton Eluerecia Guzman Melissa Quintal Dmitriy Kagan David Frederick Derek Franc Tamara Hughes Alex Grakhov John Leggio Dennis Urbanowski Debra Hunter Juan Cardona David Thornton John Serrano Robert Drake Mark Glazer Christopher Follestad Rachel Wade Barry Dillah Ronald Esmon Daniel Bernard Jordan Freeman Nadezhda Vitchev Trevor Mayer

Kate Daye

Tkani Fifita Russell Trujillo Paul DeRenzo Billy Northington Stephen Darrington Kardel Brooks Zakaria Elasri Edona Hughes John Stankoski Daniel Bauer Zachary Santino

5

BONIS: ONE

$3,402,970

All qualifiers listed achieved at least $500 in bonus totals

It’s Time

Qualifier

Tiare Hubbard Sara Vaz

Ryan Stenglein Cynthia Sittig Joseph Schneider Robert Nolan Aaron Haynes Eric Trautloff Robert Gibson Calvin Irving Gretchen Crady Ronald Baldwin Jacqueline Kosalek Leah Stoltz Mikhail Mishkov Newman Hoverd Billy Jones Bernadette Casciato Alon Fischer Tony Geer Marcus Moody Jorge Guerra Scott Davison Lora Beronja Robert Martin Priscilla Nelissen Minh Phung

Erik Graham Reynolds Akuamoa John McCreary Mark Gorman Chad Potts Gregory McDuffie Matthew Willrodt Steven Stensrud Bryan Blust

Brian Jerome

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Spotlight November 2012

ittsburgh Post- "e Workplaces 2012.” ung

Scott Smith

President & Chief Marketing Officer

T: A d

MIND - GUTS - HEART Planning for 2013

This is the time of year to talk about your strategy for 2013. Without a plan, very few people achieve success. Without a plan, very few people make their destination.

There are three separate and distinct parts of who you are that play vital

roles in your success. They are your mind, your guts and your heart.

Do you know what you want? Here is where your MIND comes in. You must use your brains to come up with a realistic and achievable plan that, with proper execution, can be accomplished. Most people really

don’t know what they want. Until you actually write it down, it’s just a dream. Once you write your goals and dreams down, you have to start

to put that picture in your mind every day. You've written it down, you are visualizing, it then becomes time to take action!

You must believe anything is possible. If you don't believe it's possible for you, what are the chances it will happen? At the SGA Meeting,

I mentioned that people who call me with ideas are generally those with growth, but people who aren't growing generally call me with excuses. Stop making excuses and start believing in what's possible for you. The one thing that people who enjoy success have is belief in what can be!

Don't be limited by past performance. Every day is a new day to make a difference. We can't look back to the past and wonder “what if.” All you have is the present moment. Make a difference today, and today will take care of the week, the week the month, the month the year... and the year the career.

Tend to the details. We don't always see the immediate results of what we just did. You have to execute the little things knowing that they will pay dividends in the long run. A small amount of money invested on a regular basis grows to a fortune after a number of years. Let the power of the little decisions and choices you make every day work for you.

Have tbe GUTS to stick to your plan. 'The toughest step to take is... the next one. Sometimes the next step is the wrong one, but you

EM XN

With retired SGA Joe Manone

don't realize until after you take action. Learn from it. It's okay to make mistakes. The people who make the most mistakes generally get the most accomplished. Those who fail a lot are likely to have

a lot more success. Why? They are taking more action. They are putting themselves out there. They are willing to take chances. You must be willing to fail.

Finally, have the HEART to love those you are providing leadership

to; or to love those who are providing leadership to you. When you truly care about the people with whom you have surrounded yourself, the power of emotion can drive you like nothing else. If you don’t care about the people around you until knowing their failure will cause YOU pain, then you can never achieve your full potential.

The heart drives more plans to fruition than any other factor.

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It's Time Ё Spotlight November 2012 39

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