EACH OF US IS, AT THIS VERY MOMENT, STANDING IN THE MIDDLE OF OUR OWN ACRES OF DIAMONDS.

— EARL NIGHTINGALE

USSELL CONWELL WAS A CIVIL

Re soldier who went on to become a

Baptist minister, philanthropist, lawyer

and writer. He is famous mostly for being

the founder and first president of Temple

University in Philadelphia, but he is also remembered for his oratory skills.

Conwell’s most famous essay, “Acres of Diamonds; was originally presented at a reunion of his old Union Army unit in the late 1800s. It was meant to be a one-off, but it was so popular that he delivered it on the lecture circuit more than 6,100 times before he died

= RogerSmith

in 1925. It was also published as a book. In fact, it is said that Conwell was able to establish Temple University as well as undertake many other civic projects from the income that he earned from this speech.

The central idea of the work is that one need not look elsewhere for opportunity, achievement, or fortune — the resources to achieve all good things are present in ones own community. This theme is developed by a story, credited by Conwell to an Arab guide, about a farmer who wanted to find diamonds so badly that he sold his property and went off in futile search for them.

While watering livestock one day in the stream that ran through the property, the new owner discovered some interesting black rocks in the water. He chose a handful from the many he found and brought them in the house to display on his mantel. Months passed until one day he invited a friend to dinner. The man took one look at those rocks and became very ex- cited — those black rocks were raw diamonds!

If only the first farmer had taken the time to study and learn what diamonds looked like in their rough state, and thoroughly explored the property before looking elsewhere, all of his wildest dreams would have come true.

The thing about this story that resonates with people is the idea that at any given time, each of us is standing in the middle of our own acres of diamonds. It has been said that if the other guy’s pasture appears to be greener than ours, its quite possible that it’s getting better care. If only we had the wisdom and patience

to explore our current situation, to explore ourselves, explore the people around us, we would most likely find the very resources we seek, whether human, financial or intangible — dig in your own backyard.

I don't think you'll find a better example of successful “diamond miners" than our SGAs of the Year, Rick Altig and Ilija Orlovic. Much can be said of the systems, programs and procedures they have developed over the years, many of which we have adapted for use com- panywide. But I'm convinced their greatest talent lies in recognizing and developing talent in others. That they are able to then teach others in their organization to do the same is something I wish I could bottle and sell. Fully 15 percent of the current SGA body owes its start to Altig-Orlovic, and many, many others have benefitted from their generous mentor- ing. Check out their story on PAGES 18-19.

Speaking of diamonds, in this issue, it is with pride that we also introduce the 2015 Executive Council (PAGE 16). Made up of top State General Agents (including our SGAs of the Year), the Council serves in an advisory capacity alongside our Executive Management team. The ideas and innovations put forth by these proven leaders help us plot and maintain our course and I’m excited to work with them.

Please join me in congratulating our SGAs of the Year and our new Executive Council. Ф

SPOTLIGHT

A monthly publication spotlighting top producers of American Income Life and National Income Life

Sam Yarbrough / syarbrough@ailife.com Leah Fry / Icfry@ailife.com Jonathan McGinnis / jpmcginnis@ailife.com

Mikailah Clark / miclark@ailife.com Maggie Hill / mmhill@ailife.com

Daniel Acton, Robyn Allen, Becky Brown Paula Clements, Wendy Copeland Karen Curtis, Lana Giebe, Angel Henderson Mary Lampert, Мийеса Moody-Yanez Luke Murphy, Pat Nevarez, Kristin Nichols Christina Pretzman, Tonia Stonum Brianna S. Taylor, Eric Villafranca Rhonda York

is 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.

254-761-6400

www.ailife.com www.nilife.com www.AlLLaptopOnDemand.com www.NILICOLaptopOnDemand.com www.ailacademy.com www.mylifeatail.com www.mylifeatnilico.com www.ailnews.com

www.ailife.com/recruiting

[ТАЙ MARCH 2015

VOL. 48 NO. 3

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.

Required Retention Rate

Effective Jan. 1, 2015, 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 Producers first nine months. The rates listed are for Spotlight recognition only.

70.0%

Retention: Netto Gross: 80%

Dates to Remember

eApp business and paper applications subject to the 7 day hold should be uploaded or sent to Home Office by Thursday 04/23 before 2:00 p.m. CST. Paper apps excluded from the 7 day hold and PR credits should be sent to Home Office by Tuesday 04/28. eApp business excluded from the 7 day hold should be uploaded by Thursday 04/30 before 2:00 p.m. CST to count for April production.

($2,730,057

in total bonuses were paid out this month by AIL and NILICO. For more information on the monthly bonuses, turn to Page 30-37.

Correction

On page 13 ofthe February issue of Spotlight, we omitted PR Director Laurie Onasch from the list of participants at the 2015 kick-off event at iFLY in Frisco, TX.

Promotion

Congratulations to Domenico. We wish him much success in his new position.

DOMENICO BERTINI Executive Vice President AIL/NILICO

*Look for the asterisk! 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 2016 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

five SAs, and the top ten Individual Producers, the top two PR Representatives from each category, and the top three PR Managers. View the 2015 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 El Conquistador Resort in Puerto Rico! The convention will be held May 22-25, 2016.

LOOK

FOR ME!

> Eligibility must occur in the 4th, 5th or 6th month of tenure. a full month of tenure regardless of whether agent codes on the Tenure month is determined by agent’s contract date (first first day of the month or last day of the month.

application date) with the Company. Hire/code month is Month > Agent must have minimum of 84% Net-to-Gross in month 4 - 6 One and based on date in the system. Contract month counts as *Qualifications and guidelines are on the ARC.

Jodie Bingham $1,250 Lamisha Readus $1,250 Rebecca Churray $500 Roger Rau $500 Gerald Bonaparte 1,250 Stephanie Reinke 1250 Patrick Connelly 500 Jamila Richardson 500 Joshua Boyce 1,250 Nsilo Reynolds 1,250 Valerie Cooper 500 Tutai Sadaraka 500 Daniela Carcamo-Mendez 1,250 Jeremy Rivers 1,250 Philip Csati 500 Leigh Schneider 500 Jasmine Choy 1,250 Frank Rodriguez 1,250 Deserick Davenport 500 Walter Scott 500 Cameron Colbert 1,250 Karan Rogers 1,250 Jeffrey Donnelly 500 Yana Shaw 500 Latanga Daniels 1,250 Mackenzie Rose 1,250 Julius Evers 500 Michael Shea 500 Madison Desmuke 1,250 Lindsay Sanchez 1,250 Thomas Festa 500 Bradley Shellgren 500 Jared Elrod 1,250 Lillian Schmidt 1,250 Douglass Floyd 500 Morgin Sheppard 500 Elijah Epps 1,250 Chad Sellers 1,250 Shelly Franklin 500 Christine Sobb 500 Ryan Ferris 1,250 James Sherwood 1,250 Gordon Fulton 500 Joshua Stone 500 Tammy Fletcher 1,250 Diana Sinohui-Garcia 1,250 Jon Gelhorn 500 Gavin Strombecky 500 Andrew Frilot 1,250 Jolene Smith 1250 Vrueschka Graham 500 Laurie Thacker 500 Emaly Galeano 1,250 Sandra Sobieski 1,250 Mchel Helgeson 500 Hateni Tohi 500 Dawn Gann 1,250 Derrick Springer 1,250 Brad Henry 500 Chad Vangils 500 Elizabeth Garcia 1,250 Michael Stafford 1,250 Christopher Hickok 500 Karmyn van Huizen 500 Martha Garcia 1,250 Brandon Stanley 1,250 Hannah Hinkle 500 Jessica Velazquez 500 Kevin Gill 1,250 David Stingl 1,250 Lanndria Horne 500 Deshay Ward 500 Randy Gill 1,250 Cassandra Stubblefield 1,250 Chufon Jackson 500 Steven Warner 500 David Golovin 1,250 Kenneth Sutton 1250 Amber Jeanne 500 Olesya Wegner 500 Riegel Gorali 1,250 Leopoldo Tabin 1,250 Michael Jones 500 Robert Weingrad 500 Thomas Greene 1,250 Craig Taylor 1,250 Aaron Kean 500 Christian West 500 William Hart 1,250 Matthew Vaupel 1,250 Jessica Kendall-DeGraves 500 Joshua West 500

NAME TOTAL МАМЕ TOTAL NAME: TOTALS NAME: TOTALS Casey Hayes 1,250 Daniel Wallace 1,250 Tyler Kuehn 500 Zachary Whipple 500 Michael Hinojosa 1,250 Sean Walsh 1,250 Cesar Leon 500 Jarek Wilson 500

Duke Adujones $1,500 Stephan Gustafson $1,500 Scott Mudrak $1,500 Tambra Smoot $1,500 Jessica Holman 1,250 Miles Washington 1,250 Michael Lessard 500 Jeffrey Witherall 500

Courtney Ahlers 1,500 Sina Heak 1,500 Serah Muhungura 1,500 Eric Spells 1,500 Chase Hrivnak 1,250 Devin Watts 1,250 Hannah Linderholm 500

Toniann Allen 1,500 Denise Hodges 1,500 Chauntel Nakata 1,500 Paula Stiefel 1,500 Sarah Hubbard 1,250 Cornelius Wilkins 1,250 Jimmy Lubin 500

Alexander M Baker 1,500 Dwight Holmes 1,500 Jeanpiero Nalband 1,500 Griffin Sutherland 1,500 Lamar Huntley 1,250 Tarnecia Williams 1,250 Bryan Maggard 500

Kyle Barter 1,500 Albert Hugar 1,500 Kerene Nash 1,500 Ileana Tatafu 1,500 Gabriela Johnson 1,250 Rodney Wilson 1,250 Jon-Michael Marino 500

Guitree Basdeo 1,500 Perenaise Hukehuke 1,500 Sione Nau 1,500 Jesse Thrash 1,500 Frank Kacvinsky III 1,250 Stephanie Wolfe 1,250 Anastasia Martens 500

Richard Bentley 1,500 Serena Johnson 1,500 Ikechukwu Nwaeze 1,500 Jason Tuttle 1,500 Stefano Kiniropoulos 1,250 Alia Aboulhosn 500 Glenn Martin 500

Oraefo Brown 1,500 Yuriy Kosovan 1,500 Adrian Ortiz 1,500 Clint Uwaine 1,500 Thor Kolemainen 1,250 Sarah Acker 500 Lauren Martin 500

Kayla Buttrey 1,500 Vanessa Lansaw 1,500 Keba Patterson 1,500 Reyna Valadez 1,500 David Lawton 1,250 Billie Albert 500 Elliott May 500

Brazos Campos 1,500 Kun Lee 1,500 Mary Perinpanayagam 1,500 Colleen Ware 1,500 Brian Lee 1,250 Dennis Allard 500 MaryBeth McCarter 500

Matthew Cessna 1,500 Jorge Leon 1,500 Amanda Peterson 1,500 Daphne Weber 1,500 Jeffrey Linsangan 1,250 Candice Anderson 500 Nigel McCowan 500

Derren Chapman 1,500 Alicia Lewis 1,500 Vellore Pillai 1,500 Paul White 1,500 Derrick Lyons 1,250 Jeremiah Anderson 500 Lenin McFarlane 500

Joshua Cohen 1,500 Jon Liguori 1,500 Abigail Plache 1,500 Shayla Williamson 1,500 Mason MacFarlane 1,250 Khevin Armelin 500 Brenda Medina 500

Courtney Davis 1500 Man Luc 1,500 Jezziashton Potter 1,500 Andrew Wilson 1,500 Deanna Odom 1,250 Daniel Autry 500 Terrell Milton 500

Peter Davis 1,500 Joseph Luminiello 1,500 Sasha Rehling 1,500 Isaac Alvarez 1250 Matti Ollila 1,250 Juan Baez 500 Kiara Mitchell 500

Jesse Deer 1500 Laura Mack 1,500 Belinda Rickles 1,500 Nayra Arroyo-Munoz 1,250 Kekoa Omo 1,250 Clement Biney 500 Risa Moniz 500

Latisha Dickens 1,500 Chantal Mallette 1,500 Appoline Ridore 1,500 Travis Barnes 1,250 David Owasi 1,250 Jessica Brewer 500 Pablo Montanez 500

Martyna Dudapasieka 1,500 Ashley McCall 1,500 William Robinson 1,500 Courtney Basil 1,250 Pyunghwa Park 1,250 Cristina Brooker 500 Yeng Moua 500

Joshua Egyud 1,500 Mark McGinnis 1,500 Mario Rodriguez 1,500 Collin Basmajian 1,250 Jesus Parra 1,250 Shannon Brown 500 Jackie Okimoto 500

Casey Finley 1,500 Patrick McGuigan 1,500 James Russell 1,500 Alexander Bayley 1,250 Andrea Parsons 1,250 Athea Buchanan 500 Danielle O'Neill 500

Derek Foore 1,500 Sunnie McRee 1,500 Sara Shelton 1,500 Adanech Beetem 1,250 Daniel Petruccello 1,250 David Buetow 500 Jennie Overbey 500

Briana Foster 1,500 Lydia Milligan 1,500 Jake Sherman 1,500 Jesse Benwell 1,250 Sherly Philippe 1,250 Kevin Carr 500 Denise Parson 500

Victoria Gonzales 1,500 Maria Montoya 1,500 Marissa Smith 1,500 Rebecca Benyo 1,250 Suzanna Prodan 1,250 Michael Casey 500 Jeremy Patko 500

Tashauna Graham 1,500 Brenden Mostoller 1,500 Takiyah Smith 1,500 John Bilinsky 1,250 Charles Raker 1,250 Sonja Christie 500 Sal Pena 500

ANNIVERSARIES

29 YEARS OF SERVICE Bill Verbeten, PR

25 YEARS OF SERVICE Brenda Di Somma, PR Kenneth Madden, AGT 24 YEARS OF SERVICE Roger Fung, SGA

Kelly McDonald, AGT

19 YEARS OF SERVICE Steven Engrav, RGA

17 YEARS OF SERVICE Randy Stockley, PR

16 YEARS OF SERVICE Bob Olson, SGA

15 YEARS OF SERVICE Rob Hay, SGA

14 YEARS OF SERVICE Scott Florin, AGT

Rebecca Klebsch, MGA Krista Thieme, RGA Benjamin Van Fossen, AGT 13 YEARS OF SERVICE Fran Christie, PR

John McGrath, RGA Herivelto Pereira, AGT

12 YEARS OF SERVICE Omar Hashimi, AGT Adam Kahn, AGT

11 YEARS OF SERVICE Mitch Duplantis, SGA Iryna Sushkova, AGT

10 YEARS OF SERVICE Andrea Yee, AGT

9 YEARS OF SERVICE Richard Carter, AGT

Matt Pflueger, RGA

John Sparby, RGA

8 YEARS OF SERVICE Alvin Hagens, AGT

Evan Holzhaver, RGA Dustin Klingebiel, AGT Emil Mohareb, GA

Tim O'Connor, PR Jonathan Russell, AGT Atta Saleh, RGA

7 YEARS OF SERVICE Daniel Johnson, AGT Peter Kwiatkowski, GA Jacqueline LaBlanc, AGT Brock Lampee, AGT

Gabriel Manzo, AGT Kimberly Riley, AGT Kristi Vang, AGT Bernard Weaver, PR

6 YEARS OF SERVICE Brandon Cooley, SGA Matthew Diulus, RGA Joseph Hedborn, AGT Donna LaMontagna, PR Melissa Lively, PR Jonathan Maust, RGA Nicole McCarthy, PR Lisa McGee, PR

Mark Neilson, AGT Scott Patterson, AGT Nicole Sanders, GA Tatiana Tiki Tikhonov, MGA Matthew Turnquist, RGA Afuiva Vaai, AGT Vatapvia Vavau, GA

5 YEARS OF SERVICE Christine Augustus, AGT Randall Cook, SGA Adam Huck, GA

Tracy Lepore, AGT

Tina Phongsavath, RGA David Scalisi, PR

4 YEARS OF SERVICE Milena Arceo, GA Bernadette Casciato, AGT Mark Hart, AGT

Tracy Hayes, MGA

Eric Hidy, AGT

Tiare Hubbard, AGT Brian Hutchings, AGT Beau Locker, MGA Aaron Mclean, GA Janice Moseychuck, SA Erin Murray, SA

Richard Pazak, GA Christopher Phoenix, AGT Aaron Ralston, RGA Richard Rowe, AGT Brandon Schwed, MGA Jesse Spencer, MGA Eric Thompson, GA

Ho Tran, RGA

Sara Vaz, RGA

Bob Wingate, MGA

3 YEARS OF SERVICE

Sharon Barnes, GA Polyna Berlin, AGT Jessica Burrows, AGT Derrick Coates, AGT Antonio Davidson, AGT Christian Fahey, GA Bilal Farsakh, GA Yonique Gordon, GA Jeffrey Hapke, PR Dallas Johnson, SA Marlene King, AGT Ryan Landmark, AGT Xavier Maclartv, AGT Gabriela Mejia, AGT David Norman, AGT Cynthia Schneiderman, MGA Barbara Seyoum, GA Heather Stuart, AGT Les Swain, GA

2 YEARS OF SERVICE Collins Appiah, AGT Dominick Arduino, AGT Jesse Atatai, AGT Darrell Ballard, AGT Danielle Barker, MGA

Susan Bedrossian, MGA Tracie Bettencourt-Mejias, AGT Kyle Butler, SA

Marci Dowbor, AGT Bryon Eddinger, GA Brandon Edens, GA Danny Favreau, AGT Gregory Graham, GA Kasie Greenwalt, AGT Katalina Halaunga, SA Benita Jackson, SA Richard Kresge, SA Toriano Landau-Bogan, GA Teng Lim, MGA

David McCusker, RGA Stuart McKenzie, AGT Vincent Millsap, AGT Lisa Myrick, AGT — Gerald Norton, GA — Michael Nowak, SA- = Riley Peters, AGT Suzana Serratos, AGT Steven Sibelman, GA Cleopatra Sola, MGA Herbert Stell, GA

Danette St Marthe, AGT Ryan Тотајсік, GA Jameetri Washington, MGA 1 YEAR OF SERVICE Herbretta Abren, SA Yenisse Abreu Ramirez, SA Ivy Acosta, SA

Craig Arakawa, SA Andrea Arballo, AGT

Erik Arias, AGT

Nicholas Attwood, GA Maria Avila, SA

Rosette Berban, AGT Oscar Betancourt, GA Nicholas Bigec, AGT Derek Birch, AGT

Timothy Blackburn, SA Richard Bland, SA

Steven Boone, AGT Corey Borden, SA

se Matthew Brazeau, SA

- Janet Buckley, MGA — Shane Carlson, SA Allen Cerullo, SA

Elizabeth Chilson, SA

STATE GENERAL AGENT Michael Mandella

REGIONAL GENERAL AGENT

Michael Musso Ashlynn Orng

Krista Thieme

Bruce Viaje Emmanvel Villasenor Jennifer Youn MASTER GENERAL AGENT Christopher Botelho Jamie Brown Cameron Cimino Bryan Froneyberger Bradley Kampmeier Moli Kaufusi

Joseph Kleeb

Philip Kruger

Aaron McLean London Nelson

Phillip Perrin

Jillian Rooks

Kunlin Zou

60% GENERAL AGENT Cassondra Cantner

Larry Finch

Michael Joshua

Kyle Lewicki

Carmen Lindmark

Vinecia Moore

Todd Onstott

Michael Taylor

Tovaughna Tipton-Adams Ryan Tomajcik

James Urban

Heather VanHorn

57.5% GENERAL AGENT Christopher Asbury Richard Bland

Renada Bogan

Adam Boggs

Jeffrey Calvert

Pauline Cresswell Bryon Eddinger Marjorie Hansen Mark Harhager Solomone Havea Casey Hayes

Toriano Landau-Bogan Shawn Lewicki Anthony A Lopez Desiree Martin

Lineti Pasikala

Andrew R Richardson Edwin Rosa

Lara Wyatt

55% SUPERVISING AGENT Seneca Birchmore

Eric Boyer

Peter Cullinane

Heathre Depratt Dawn Eckelberry Alexander Eman Richard Gaffney Joshua Gassman Gary Gooden Jacob Hall

Yuriy Kosovan Lucas Larson Michael Lessard Hannah Linderholm Ashley McCall Kaytlyn McKay Kelly Nails Taylor Orona Delilah Outlaw Amanda Peterson Nadeem Qureshi Theresa Rhoden Paul Smith

Eric Spells

Anthony Stuertzel

Marlene Talamantes-Saucedo Tiffani Tavormina

Robert Weaver

Stephanie Wolfe

52.5% SUPERVISING AGENT Alia Aboulhosn

Duke Adujones

Michael Africh

Margarita E Aguila Campos Dennis Allard

Adanech Beetem

Christopher Bennett

Richard Berrett

Timothy Blackburn

Rhonda Brown

Ryan Burns

Racquel Castillo

Matthew Cessna

Christian Coates Joshua Cohen Darrell Cohn

Jolisa Collins Olivia Cunningham Donna Diehl Briana Foster Aryeh Freedman Richmond Gerrish Felix Gonzalez Meghan Grindy Malaysia Halley Kelly Hannan Daley Rachael Hicks Lamar Huntley Kathleen Johnson Austin Labor Joshua Latini Elizabeth Lemson Javier Lopez

Michael Loveall Man Luc Thomas Lyman

— — Marjorie Maguire Alipate Makaui Sela Mavae Laurie Mazza Joseph McCallister James Merriman James Miller Karen-Mosley Serah Muhungura Wilmer Munoz-Jimenez Sione Nau Tangataotivana Pasikala Keba Patterson Jodi Raymond Evdokia Reutov Jeremy Rivers Mario Rodriguez

Michael Cirelli, GA

Jahhad Crawley, SA

Aaron Crosby, AGT

Derek DeProspero, SA Michael De Sadeleer, SA Christopher Dicks, MGA Ryan Diederich, GA

Roger Drake, AGT

Orin Dutra, SA

Kofi Dwira, AGT

Shereen Elabasy, AGT Myaa Fallon, AGT

Jesus Figueroa, AGT

Thomas Fleming, AGT Chantel Floyd, SA

Phil Folkertsma, MGA — Nathan Friend, MGA Keegan Gallant, AGT-

Leah Geiser, GA - Gregory Giesler, AGT Alejandro Gonzales, AGT Venus Grier, AGT

Matthew Halbmaier, SA Bryan Hamrock, СА ер Fotuikamoana Havea, AGT”

Brandi Rule Mohammad Saatsaz Rose Satele

Leigh Schneider. Christopher Shuman Brian Stuckey

lleana Tatafu Coleman Thompson > Carissa Thorne Joseph Tountas AlisiTufua у Nauleni Tuionetoa Elba Vargas

Miles Washington Michelle Lee Watson Shayla Williamson Megan Winston Daniel Woodford Hanbo Xu

Christopher Haywood, SA lorena Herndon, SA Vanessa Ho, GA

Joe Islar, SA

Jayshaun Johnson, GA April Jones, AGT Matthew Koleszar, SA Lucas Larson, SA Wislaine Laurent, SA Brandon Leonardo, AGT Antoine Lutumba-Ntumba, AGT Carey Markoe, GA Reinaldo Martinez, GA Maria Mastrodimas, SA Hector Matos, AGT Matthew McCall, AGT Michael McClintock, AGT Mia Mitchell, AGT Christine Moore, GA

Bret Nilson, SA

Juan Olvera, GA

Rene Ortega, GA

Sarah Parnell-Jones, SA Shirley Patey, AGT

Ivonne Perez, SA

Asenati Potoae, AGT Janet Ramirez, AGT William Ridenour, SA Nichole Roderick, MA Rebecca Rozario, PR Chad Shanks, SA Kelly Silvia, SA

Judy Smith, SA

James Sodan, GA Holly Stave, AGT Robert Stevens, SA Robert Stritzinger, AGT Willie Tarr, AGT

Kay Teague, SA Verneice Thomas, SA Janet Tiatia, AGT Jenna Valentine-Thomas, GA Hailame Vea, AGT Allen Watson, MGA Lucretia Wesley, SA Kendall Wilson, AGT Kristen Woolley, SA Kyle Wrobel, MGA

Michael Mandella

Alabama February 25

Prior to joining AIL in 2005, Michael worked for a large financial institution, where he came to realize, “No matter how hard | worked, there was only so far | could go.” He uploaded his resume and the rest is history. He says he feels blessed to have had the influence and mentorship of four successful SGAs: Altig-Orlovic, Chris LaFond and Chris Hernandez. He believes his ability to think outside the box is his greatest asset when it comes to growing his

start-up Agency. Michael makes his home in Birmingham.

gle

Mat Hart California

Mat’s Agency had their BEST MONTH EVER $155,628 Net ALP in

February

Bill Myatt

Oklahoma

Bill’s Agency had their BEST MONTH EVER $46,610 Net ALP in

February

If you have

DISCIPLINE, DRIVE, and DETERMINATION...

NOTHING ·. IMPOSSIBLE.

LEADERSHIP ————

ACADEM

TOP LEADERS TAKE CENTER STAGE IN

MCKINNEY a

THE MCKINNEY CONFERENCE CENTER

hosted 22 attendees for Leadership 301,

affectionately known as Top Gun, on Tuesday,

March 17 and Wednesday, March 18.

Leadership 301 is finely tuned to the needs of MGAs and RGAs who are on track to become future SGAs. Material is presented by members of the Executive Management team, including Executive Vice President Domenico Bertini, Vice President of Recruiting Bo Gentile, Vice President of Quality Business Richard Meshulam and Vice President of Public Relations Field Operations Susan Fuldauer. Guest speaker SGA Philip Prata (Connecticut)

shared his wisdom on agent retention.

HERE ARE THE DATES FOR THE REMAINING LEADERSHIP ACADEMIES IN 2015:

Leadership 201 | August 17-19

Leadership 401 | Sept 1-2

Leadership 101 | Sept 21-23

Leadership 301 | Oct 13-14

If you are interested in attending, talk to your SGA.

DRIVES A LEGACY

Susan Fuldauer

Vice President of Public Relations Field Operations

OGETHER, YOU AND | ARE NOT

only the continuation of a legacy, but

the beginning of a legacy. That's a pow- erful statement. What we do together — our vision, goals and actions — will somehow be realized in the form of a legacy. Each of us sits in the driver’s seat, able to steer the direction in which our legacy goes.

Fortunately for all of us, we have a great legacy from which to build and continue. We share in one of the greatest legacies ever from a company whose passion and commitment to im- proving the lives of working families globally is unstoppable. It is up to us to live up to the legacy that has been left for us to continue to pass on. Every decision made, every sales call made, every picket line walked and Basket of Hope delivered, determines the future of our legacy.

Our PR team has been carrying on the vision and legacy of our founder, Bernard Rapaport, which continues under the leadership of Roger

Smith. Its not easy for working families today. The political majority leadership in North America does not favor the working family. Our legacy and vision continue to stand for the dignity, rights and voice of the working family. This is evident from the everyday actions that Team PR takes in support of working families, creating strong communities, and in the role the agencies play in that support.

On any given day, we can see PR in Action on a picket line supporting Steelworkers as they cry out for safer working conditions in the refineries, or standing on the street in Canada with Ontario Nurses as they strive for better pay and working conditions. Thousands of bottles of water, dozens of donuts, countless pieces of fried chicken and pizzas are delivered to work- ers taking a stand for what is right. But when our PR reps pick up a picket sign and walk in step with these workers, that’s when we continue the legacy of caring and making a difference.

For our agents at the kitchen table of these same workers, the legacy continues through the financial support and stability you provide with every application that is taken. Together we work to make our vision a reality and strengthen our legacy.

It matters that we stand with working fam- ilies both with the actions that Team PR takes and with the policies sold in the home. We

Above: Susan Fuldauer, Tim O'Connor and Int'l President of Roofers and Allied Workers, Kinsey Robinson (center) attended the Union Sports-

man's Alliance Conservation dinner in Dallas.

need to continue this partnership and respect for the worker so that the legacy thats been handed to us lives on. When we work together to continue this great legacy, we are creating our own individual legacy as well. You and I determine our personal legacies through our own vision. It is our choice as to what those legacies will be. Make a positive difference and you leave a positive legacy.

How will your vision, goals and actions drive our legacy? You decide. Ф

James T. Callahan General President, International Union of Operating Engineers

James T. Callahan is the General President of the International Union of Operating Engineers, a diversified trade union that represents about 400,000 operating engineers working as heavy equipment operators, mechanics and surveyors in the construction industry, and stationary engineers, who work in operations and maintenance in building and industrial complexes. IUOE also represents nurses and other health industry workers, public employees in a wide variety of occupations, and a number of job classifications in the petrochemical industry.

He was elected to a full term as General President at the 38th General Convention on April 28, 2013 after fulfilling the term of retired General President Vincent J. Giblin.

Callahan, a 34-year member and third generation operating engineer, moved up the union’s ranks from member to Shop Steward, Foreman, Trustee, and Business Representative to ultimately lead Local 15 in New York City as its 4th President and Business Manager in 2003.

Callahan began his career as an operating engineer in 1980. Proficient in all mechanical aspects of maintenance and repair, he was initiated as a shop mechanic in Local 15C. By 1993, he had worked his way up to maintenance foreman and was an integral part of the team that worked on the World Trade Center site in the aftermath of the terrorist bombing of the parking garage that killed and injured dozens of people.

Eight years later, as a local union Business Agent, Callahan found himself back at the World Trade Center. This time, he was one of the many operating engineers who responded immediately to the September 11 tragedy and he stayed on to work through the entire recovery effort at Ground Zero.

Callahan was elected to the AFL-CIO Executive Board in March 2012 and also serves on the AFL-CIO Executive Committee. In addition, he has been an Executive Board member of the New York City Building and Construction Trades Council, the New York City Central Labor Council, and the New York State AFL-CIO.

He and his wife, Fran, are the proud parents of three sons, James, lan and Patrick.

Harry Lombardo International President, Transport Workers Union of America, AFL-CIO

Harry Lombardo was elected International President at the 24th Constitutional Convention on September 24, 2013 after serving two terms as the International Executive Vice President. Since 2014 Lombardo has served as Vice President on the Executive Council of the AFL-CIO.

The native Philadelphian started with TWU Local 234 in 1972 as a car cleaner for SEPTA. He was promoted the following year to rail mechanic, and was named to his first union position, section officer, in 1974 at the Germantown depot.

Lombardo transferred to the Luzerne district and ran successfully for Chairman in 1977. He was named Business Agent in 1979 by then Local 234 President Merrill Cooper. At the time, he was the youngest Business Agent, 29 years old, in the Local’s history.

He was elected the Local’s Recording Secretary in 1983 as part of the Roger Tauss administration. He moved up to Executive Vice President in the following election, and was elevated to Local President in 1989 when Tauss was named to the International staff.

Lombardo served as Local President until 1996 when he was named to the International staff by then International President Sonny Hall. He was elected International Vice President in four consecutive Conventions.

During his tenure as Local 234 President, Lombardo negotiated a new pension formula for Local 234 members, resulting in a 100 percent increase in the value of the benefit. He also ran a two-week strike against SEPTA in 1995 to extract another pace-setting agreement for Philadelphia transit workers.

= PERSONAL RECRUITING

Unleash Your Career!

TOP PERSONAL RECRUITING AGENTS

Personal Recruiting provides opportunity for all Agents to earn an additional monthly income stream above and beyond regular recruiting efforts performed by Managing Agents!

— By Number of Personal Recruits” *

Total Personal Recruiting Agents: 359 Total Personal Recruits: 447

FEBRUARY

February Total Payout: $271,220 February Total Qualifiers: 583

——

P XN James Miller Henrv Ingraham Fritznel Octave Orby Kelley Damaris Henderson 5 Recruits 5 Recruits 5 Recruits 4 Recruits 4 Recruits Roger Fung Williams-Zophin Williams-Zophin Surace-Smith Cohen-Cohen PERSONAL PERSONAL PERSONAL PERSONAL NAME RECRUITS NAME RECRUITS NAME RECRUITS NAME RECRUITS к> James Miller 5 Stephanie Moreno 3 Rubye Gillespie 2 Matthew Parks 2 - Henry Ingraham 5 John Nieves 3 Dennis Gray 2 Cyrlene Pereira 2 n Я А Fritznel Octave 5 Elaine O’Neill 3 Bobby Gujral 2 Ernest Powell 2 Moli Kaufusi Alex Kae Orby Kelley Albert Lau Monica Brown Orby Kelley 4 Alba Williams 3 Brandon Jones 2 Yvette Quintana 2 $4,535 $3,661 $3,486 $2,479 $2,445 Damaris Henderson 4 Joshua Acuay 2 Timothy Kieran 2 Molly Rea 2 Steve Friedlander Altig-Orlovic Surace-Smith Cohen-Cohen Dorian Brown Andrew Aaron 4 Victor Agurto 2 Aleksandr Kurpas 2 Appoline Ridore 2 Adeyemi Akinade 4 Ala Awad 2 Christopher Licata 2 Patrick Rieger 2 Edford Banuel 4 Ignacio Batrez 2 Amie McCracken 2 Carima Robinson 2 NAME TOTAL NAME TOTAL NAME TOTAL NAME TOTAL Zachary Vance 4 Seneca Birchmore 2 Lioder Metellus 2 Joshua Rush 2 Moli Kaufusi $4,535 Christopher Akins $1,098 Darron Hacker $740 Bill V Goswick $566 Justin Adams 3 Carl Boldon 2 Kyle Mitchell 2 Arien Seemann 2 Alex Kae 3,661 Michael Nowak 1,091 Michael C Williams 732 Jesse O Martin 564 Thomas Agee 3 Joseph Brice 2 James Moore 2 Christopher Shuman 2 Orby Kelley 3,486 John Nieves 1,076 Appoline Ridore 727 Christopher Licata 562 Christopher Asbury 3 Haydee Burrola 2 Patricia Nogueira 2 Eric Snyder 2 Albert Lau 2,479 Nicholas Moore 1,056 Breanna Washington 722 Christopher Esquer 560 Eugene Garcia 3 Christopher Clark 2 Juan Olvera 2 Monica Brown 2,445 Patricia Nogueira 1,054 Donte Hester 713 Trelonda Jackson-Lewis 558 Brad Henry 3 Maureen Cook 2 Robert Orlow 2 Brandon Schwed 2,220 Timothy Kieran 1,049 Tiffany Babin 707 Glenn Arakawa 557 Heidi Holt-Peel 3 Britton Costa 2 Delilah Outlaw 2 Jonathan Kinnard 2,192 Travis Picklesimer 1,043 Vincent Nicastro 704 Christopher Bingham 556 James Miller 2,062 Bobby Gujral 1,023 Julianne Scavo 701 Ala Awad 554 Humberto Quintero 2,057 Benjamin Edwards 1,023 Cedric Egbers 696 Molly Rea 551 Christopher Favor 2,022 Ignacio Batrez 1,019 Taneshia Solomon 694 Nicholas Prefontaine 551 Marc Salvaggi 1,989 Justin Adams 1,007 Heather Berg 694 Edward Crocker 550 Nicholas Scordos 1,946 Anthony Sambula 1,000 Demario Cooper 693 Manthajini Balendran 549 Samantha Sliger 1,803 Kyle Wrobel 993 Javier Lopez 677 Zachary Lakatos 549 Kevin Holtz 1,720 Trisha Seever 977 Henry Ingraham 674 Michele Werner 547 Christopher Rodriguez 1,699 Yvette Quintana 968 Christopher Pabon 670 Blake Bocci 541 Alexander Dorey 1,668 Taylor Foster 942 Oscar Betancourt 667 Samaiya Minor 540 Lori Dacyk 1,632 Tangataotiuana Pasikala 931 Angelique Lavaly 666 Daniel Kretsu 537 Ofa Tupouniua 1,612 Austin W Smith 930 Oliver Huerta-Gonzalez 662 Britton Costa 537 Brad Henry 1,607 Christopher Bentley 927 Elaine O'Neill 659 AshLynn Orng 535 A Е N T Joseph Mahnen 1,588 Melissa Quintal 907 John Conard 658 Anastasia Martens 531 Sebastian Kazek 1,564 Eugene Garcia 888 Troy Elliott 654 l-Perfection Harris 526 v Ronald Rivera 1,548 Sione Maumau 888 Joshua Acuay 639 Jonathan Black 526 = H Kade Beck 1,508 Kunlin Zou 877 Gabriel Reyes 629 Travis Kovach 525 By N umber of Personal Recruits Andrew Siebert 1,488 Steve Bryant 876 Eric Snyder 626 Lindsay Nielsen 524 Christopher Earle 1,465 Christopher Clark 859 David Rigney 624 John Russo 519 Dennis Guss 1,453 Dalton Geneser 858 Jack Vannice 623 Daryl Williams 508 epe е Matthew Parks 1,423 Anne Melville 850 Alyssa Cruz 621 Delilah Outlaw 507 YTD Total Personal Recruiti ng Agents: 498 YTD Total Personal Recruits: 687 Damaris Henderson 1,418 David Herman 844 Orby Kelley IV 618 Thomas Longino 507 Deante Young 1,321 Albert Serur 839 Cameron Colbert 615 Andrew Wilson 506 PERSONAL PERSONAL PERSONAL PERSONAL Colin Quigley 1,307 Pennie Jansik-Keller 836 Christopher Walsh 614 John McDougald 501 Adeyemi Akinade 1,305 Glaister Parke 819 Darrell Cohn 614 Seneca Birchmore 500 NAME RECRUITS NAME RECRUITS NAME RECRUITS NAME RECRUITS Nathan Knox 1,294 Erica Fitzsimmons 816 Emily Sutton 613 Fabiola Casillas Hurtado 500 Edford Banuel 8 Dennis Gray 4 Christopher Asbury 3 Elaine O’Neill 3 Bruce Viaje 1,275 Rita Haidinger 804 Daniel McGinley 610 Lindsay Clippinger 500 Andrew Aaron 7 Damaris Henderson 4 Clayton Blasa 3 Patrick Rieger 3 Ryan Folck 1,272 Jamie Cates 802 Janice Moseychuck 610 Maureen Cook 500 Brad Henry 6 Orby Kelley 4 Haydee Burrola 3 Samantha Sliger 3 Brandon Jones 1,271 Michel LaHaye 801 Scott Sonnenberg 609 O’Neil Cooper 500 Henry Ingraham 6 Stephanie Moreno 4 Devon Chapman 3 Kati Smith 3 Daren Davis 1,268 Kelsi Jewell 794 Melissa Chapman 608 Marvin Fox 500 Eugene Garcia 5 John Nieves 4 Darrell Cohn 3 Soonalote Taogaga 3 Rayleen Kama 1,264 Jameetri Washington 787 Fran Kolos 607 Richmond Gerrish 500 Bobby Gujral 5 Lori Sanders 4 Rita Haidinger 3 Ileana Tatafu 3 Nicholas Walsh 1,252 Ernest Patterson 771 Rosendo Anaya 607 Angelica Guzman 500 James Miller 5 Zachary Vance 4 Heidi Holt-Peel 3 Jimmy Tchen 3 Aaron Ralston 1,224 Tambra Smoot 770 Randall Durham 606 Felicia Irby 500 Fritznel Octave 5 Justin Adams 3 Morgan Lobello 3 Alba Williams 3 Victoria Ortiz Colin 1,223 Jeremy Gibson 770 Julian Tinamisan 606 Ray Loftan 500 Adeyemi Akinade 4 Thomas Agee 3 Sela Mavae 3 Kerlens LaRose 1,221 Loloahi Havea 769 Chrisdell Harris 602 Fritznel Octave 500 Taylor Foster 4 Corina Araujo 3 Amie McCracken 3 Victor Agurto 1175 Arien Seemann 757 Elaine Goodare 593 Verneshia Paige 500 Jonathan Seguin 1,158 Sanjae Watkis 756 Kaloni Tohi 590 Levi Parrish 500 Patrick Rieger 1,138 Ernest Powell 754 Onofre Toscano 584 Tiffany Porter 500 Rubye Gillespie 1,133 Alba Williams 750 Trevor Newell 580 Andrew Randall 500 Ileana Tatafu 1132 Ricardo Subero 748 Sunny Vong 578 Margaret Sears 500 Edford Banuel 1132 Larry Alexander 743 Lawerence Smith 574 James Swiontek 500 Peter Krzyzaniak 1129 Yana Shaw 742 Angela Chaulet-Fredrickson 571 Djurdjina Vucenovic 500 Yonique Gordon 1118 Corey Helly 741 William Hethcoat 571 Angela Wilson 500 Cornelius Jones 1,111 Soonalote Taogaga 741 Robert Tarrant 570 Lorena Barriere 1,099 Sela Mavae 741 Mavrick Fredericks 568 v Top Personal Recruiting Agents listed have at least 2 Personal Recruits

W Top Personal Recruiting Agents listed earned at least $500

@ Spotlight will picture the top 5 Personal Recruiting Agents based on number of Personal Recruits. In case of a tie, top Personal Recruiting Agents will be determined by total Incentive Structure Payout as long as minimum Retention/Net to Gross standards are met.

Nicholas Neari Ronald Lackey Marzuwoa Brown Stephanie Kell Taylor Black Jordon Graham Enrique Sandoval Elizabeth Chilson Samuel Geissinger Evdokia Reutov William Ridenour Griffin Sutherland

Christina Meyer Steven Rios Morgan Lobello Duane Shaw Oscar Betancourt Rene Ortega Amber Dregalla Alma Lozano Scott Montgomery Patrick Guthrie Jason Lee

Robert Schneiderman Andrzej Sertler Holly Lacey Jamal Simmons Gabriela Sime Marta Cunha Craig Ebinger Christian Fahey Ryan Feehan Tiffany Babin Michael Stuver Matthew Bogle Chelsie Young Juan Venegas Eric Thompson Brandon Edens Brianna Currv Jamie Cates

NNN NY NY WWW ww qd d

www qd A A A A AAAA HF HF WW WW їл ї\л ї\л л \л СУ СУ c o NI

Brandon Cooley Scott Rehberg Dorian Brown Joseph Diecedue Giglione-Ackerman Sabrina Lloyd Sabrina Lloyd Altig-Orlovic Altig-Orlovic Altig-Orlovic Altig-Orlovic Altig-Orlovic

Sabrina Lloyd Sabrina Lloyd Giglione-Ackerman Sabrina Lloyd

Bob Olson

Brandon Cooley Richard Correa Richard Correa

Don Foti

Mathew Hart Sabrina Lloyd Sabrina Lloyd Sabrina Lloyd Imran Satti Randall Cook

Laura Fisher Giglione-Ackerman Giglione-Ackerman Giglione-Ackerman Giglione-Ackerman Steve Greer Zachary Hart

Matt Henderson Sabrina Lloyd

Alex Roland Surace-Smith Simon Arias Dorian Brown Jared Cleckner

Edwin Rodriguez 2 Lucan Schmidt 2 Christian West 2 Chantel Floyd 2 Mchel Helgeson 2 Jesse Thrash 2 Tommell Rollins 2 Julianne Scavo 2 Roberta Whitman 2 Elliott Zettas 2 Denis-Michael Catalano 2 James Miller 2

Felicity Hammill James Harding Joshua Krueger Angela Bauer Patricia Cicerale John McDougald Dominic Telymonde Christine Barbour Magdnalene Franklin-Holmon Stephen Giddens James Lawson Joshua Crisp

Darcy Schrieber Rory Olson

3 Marie St Germain 3 Jeffrey Gilliana 3 Sandra Sandoval 3 Richard Pazak 3 Bilal Farsakh B Mir Khan 3 Kevin Kyler 5 Carey Markoe 3 Nacole Newbold 3 Daniel Walton 3 Christopher Earle 3 Christopher Bentley 2 Carlo Buhay 2 Bryon Eddinger 2 2

Devon Gillissie

Simon Arias Simon Arias Simon Arias Slav Bitman Cohen-Cohen Randall Cook Brandon Cooley Richard Correa Richard Correa Richard Correa Joseph Diecedue Roger Fung

Richard Correa Richard Correa Richard Correa Joseph Diecedue Giglione-Ackerman Giglione-Ackerman Giglione-Ackerman Steve Greer

Steve Greer

Steve Greer Zachary Hart Zachary Hart

Matt Henderson Kyle Johnson Sabrina Lloyd Sabrina Lloyd

Bob Olson Theodore Pappas Theodore Pappas Scott Rehberg Scott Rehberg Imran Satti Surace-Smith Williams-Zophin Altig-Orlovic Altig-Orlovic Altig-Orlovic Altig-Orlovic

Bill V Goswick Julian Tinamisan Adem Abdula Victor Agurto Christopher Pabon Paul Torman Arthur Menina Carmen Lindmark Kyle Mitchell Rohan Smith Takiyah Smith Mario Diaz-Rivera

Cindy Furer Cindy Furer Giglione-Ackerman Giglione-Ackerman Giglione-Ackerman Giglione-Ackerman Steve Greer Hancock-Taylor David Hausman David Hausman David Hausman Matt Henderson

Lea Jenkins Vincent Meyer Dianne Dedick William Katz Jeffrey Calvert

Juan Saldierna-Vera Omar Sanchez Abdelaziz Farsakh Darrious Polk Brendon Comeau Orby Kelley

NN NY NY ом ом ом S M NOM ом

en = M— Hu ———À

Dan Ikei 2 John Sola 2 Nicholas Walsh 2 Alix Albright 2 James DePetro 2 Daniel Dunham D Brian Gilmore 2 Phillip McElfresh 2 Aaron Parks 2 Michael Russin 2 Eric Snyder 2 Bernard Ballou 2 Lalitha Janardhanan 2 Shun Jackson 2 Armando Aiello 2 Delmy Diaz-Cervantes 2 Jerrard Brown 2 Torrey Hardy 2 Ramon Velasquez 2 Taylor Foster 2 Joshua Goodman 2 Amanda South 2 Vinecia Moore 2 Herbert Stell 2 Edwin Rosa 2 Alma Barriga-Gonzalez 2 Jeremy Gibson 2 Jessica Napiza 2 Meghan Modrak 2

Altig-Orlovic Altig-Orlovic Altig-Orlovic Simon Arias Simon Arias Simon Arias Simon Arias Simon Arias Simon Arias Simon Arias Simon Arias Slav Bitman Slav Bitman Dorian Brown Cohen-Cohen Cohen-Cohen Brandon Cooley Brandon Cooley Brandon Cooley Richard Correa Richard Correa Nigel Crowe James Cunningham Joseph Diecedue Laura Fisher Don Foti

Don Foti

Cindy Furer

Llesena Tejeda Darrin Roberts Jason Green Robert Nolan Michael Coulthard Amy Skalsky

Ryan Tomajcik Kascey Williamson Taurean Flournoy London Nelson

2 2 2 2 2 2 2 2 2 2 Jenna Valentine-Thomas 2 Heather Sons 2 Leah Geiser 2 Elias Boles 2 Kyle Schimizzi 2 James Sodan 2 Rebyka Moyer 2 ReynoldsAkuamoa 2 Alon Fischer 2 Christian LaBoy 2 Nicholas Lasala 2 Shahab Mahdavinejad 2 Bryan Juskiw 2 Christopher Kennedy 2 Anthony Theriault 2 Jocelyn Bolito 2

Matt Henderson Chris Hernandez Sabrina Lloyd Sabrina Lloyd Travis Moody Bob Olson

Bob Olson Theodore Pappas Alex Roland Imran Satti Surace-Smith

Cindy Furer Steve Greer Zachary Hart Zachary Hart Chris Hernandez Chris Hernandez Chris Hernandez Chris Hernandez Kyle Johnson Kyle Johnson Kyle Johnson Travis Moody

Bill Myatt Durhon Oldham Durhon Oldham Durhon Oldham Bob Olson Theodore Pappas Theodore Pappas Theodore Pappas Theodore Pappas Theodore Pappas Surace-Smith Surace-Smith Surace-Smith Williams-Zophin

Zach Otto 18 Sabrina Lloyd Marian Sertler 15 Sabrina Lloyd Todd Glazer 8 Joseph Diecedue Christopher Rodriguez 8 Куе Johnson Robert Kanaan 8 Imran Satti Mark Dombrowski 7 Giglione-Ackerman Ryan Fickert 7 Zachary Hart Alex Torruella 7 Sabrina Lloyd Ransey Vazquez 7 BobOlson Corey Helly 6 Giglione-Ackerman Jameetri Washington 6 Steve Greer Kyle Wrobel 6 Mathew Hart Patrick Bendure 6 Surace-Smith Matthew Parks 6 Surace-Smith Michael Clemente 5 Simon Arias Monica Brown 5 Dorian Brown Brooke Spain 5 Brandon Cooley Erin Allen 5 Richard Correa Andrew McQuade 5 Richard Correa John Nieves 5 Richard Correa Matthew Turnquist 5 Richard Correa Brian Zuzick 5 Laura Fisher Harold Durana 5 Don Foti

Doreen Ryan-Foti

Craig Strompf

Michael Gerstein Corey Hallam

Cynthia Schneiderman Bobby Szwaja

Ala Awad

Ryan Stenglein

Jesse Rennich

Patrick Knouse

Maria Soliz

Sharif Grays

Jack Keiderling Taneshia Solomon Matthew Hogan Beau Locker

Chad Potts

Hal Herman Nicholas Moore Levar Morgan Minh Phung

5 5 5 5 5 5 5 4 4 4 4 Ryan Hall 4 4 4 4 4 4 4 4 4 4 4 Marcus Martin 3

Don Foti

Cindy Furer Giglione-Ackerman Giglione-Ackerman Sabrina Lloyd Theodore Pappas Alex Roland Altig-Orlovic Simon Arias

Slav Bitman Brandon Cooley Laura Fisher

Cindy Furer Giglione-Ackerman Steve Greer

Matt Henderson Matt Henderson Chris Hernandez Durhon Oldham Durhon Oldham Theodore Pappas Scott Rehberg Altig-Orlovic

Trevor Mayer 3 Altig-Orlovic Brandon Minor 3 Altig-Orlovic JosephTomanovich 3 Altig-Orlovic Justin Adams 3 Simon Arias Matthew Diulus 3 Simon Arias Antonio Reyes 3 Simon Arias Linda Eichelberger 3 Samantha Chui Herman Fennell 3 Samantha Chui Krista Thieme 3 Jared Cleckner Lorena Barriere 3 Cohen-Cohen Carlos Arballo 3 Brandon Cooley William Brookshire 3 Richard Correa Steve Svendson 3 Richard Correa Peter van der Westhuizen 3 Richard Correa Mark Kukielski 3 Nigel Crowe Anita Ferris 3 Steve Friedlander Karen McQuoid 3 Steve Friedlander Magda Figueiredo 3 Giglione-Ackerman Evan Holzhauer 3 Giglione-Ackerman Richard Barbour 3 Steve Greer

Ryan Giddens 3 Steve Greer Thomas Longino 3 Steve Greer Rodney Ward 3 Zachary Hart

Tom Weller Ibrahim Bah Shorne Brown Cara DeFiore Demitrius Lucas Jesse Spencer

Mathew Mealey Christina Barbee

David Schanuel

Matthew Wolfanger

Andre Bent Natalie Linker David Wang

Mohammed Moalawi

Nasr Quadri Syed Quadri Angel Patryluk Michael Denton David Rigney Arie Davis

КОО EO ЭХЭЛЖЭЭ ы OUT шог бм w w бо? Чэ? АЈ бо? шог ©) бш бог шр

Zachary Hart David Hausman David Hausman Chris Hernandez Kyle Johnson Stephen Jubrey Travis Moody

Bill Myatt

Dorian Oldham Durhon Oldham Bob Olson

Bob Olson

Bob Olson Theodore Pappas Theodore Pappas Theodore Pappas Byron Paz

Scott Rehberg Scott Rehberg Williams-Zophin

Robert Janev

38 Sabrina Lloyd

THE MINIMUMS FOR RECOGNITION ARE:

SA & GA

MGA RGA

Michael Laramie 18

CODE

Steve Greer

Corey Helly

16 Giglione-Ackerman

l "21612015 AIL/NILICO Executive Council held their first meeting of the _ $ 5 year March 2-March 15 at Dreams Las Mareas'imCosta Rica: тарыз ы. Б i s= This elite group of Agency leaders serves in an advisory capacity to і Executive Management toshelp guide our Company into the future.

Suggestions and recommendation from this meeting will be considered and will help determine the agenda for the Spring SGA meeting in Victoria, British Columbia March 30-April 2.

The Executive Council meets twice a year. Their next meeting will be held

С О U N С | Ё at the Fairmont Chateau Lake Louise in Alberta, Canada this September. Congratulations to the new Executive Council!

Update

Closer to the Heart

n Saturday, March 14, guests of American Income’s Executive Council meeting attendees visited a remote CECUDI in La Cruz, Costa Rica through our

partner organization, the Guanacaste Community Fund.

CECUDI (pronounced Se-KOO-dee) is a generic acronym for Centro de Cuido Diurno (literally ‘Day Care Center’). The former government of Costa Rica determined the need for such a child development

Executive Council Brings Closer to the Heart to Costa Rica

Д ee Пи Р?

center їп La Cruz, funded and built a beautiful facility. When the new government came to power, all funding was revoked, leaving the partially completed CECUDI with no support to operate in this remote and underserved area.

Thanks to the generosity of our meeting attendees, the CECUDI now has $12,950 to help fund their programs and operations for an entire year.

- Ш | = x Ё | | НЬ | | Ink PLAIINUM KULE Pays Big Dividends At Altig-Orlovie

e all know the Golden Rule: “Do unto others as you would have them do unto you.” At the Altig-Orlovic

organization, the Platinum Rule is the prime directive.

The market value of platinum is about three times as much per ounce as that of gold, which should tell you all you need to know about the leadership style of SGAs of the Year for 2014, Rick Altig and Ilija Orlovic.

The Platinum Rule goes a step beyond the Golden Rule by suggesting that we do more for others than we would have them do for According to Rick Altig, it is this philosophy to which their success in 2014 can be

attributed. ^We put people first better than ever before: more caring,

more sharing, more giving to all our associates throughout the United States and Canada."

But Rick and Ilija have refined the Platinum Rule even further than that — by encouraging a culture where you do unto others even better than they might dream possible for themselves. One of the great strengths throughout the Agency is the ability to identify and nurture talent. Consider this: at press time, more than 15 percent of the current SGA body came up through Altig-Orlovic, among them:

Chad Deley — “Ilija Orlovic saw more in me than I saw in myself.

His passion for helping each agent to get to their highest potential is unrivaled. Rick Altig is the consummate p sional, and has vision and purpose that raises him above his peers. He is one of those people

Roger Fung — “Rick is a true gentleman with vision and a passion to help people. He built a huge organization and yet you are touched by his

family values within it. Hija has the ability to see not only who you are

today, but who you can be tomorrow. Because of this ability, he is able to surround himself with some very talented people."

Mike Mandella = “Rick and Ilija saw me not for who I was, but for who I could become. They have set the bar for what is possible, not just in business, but in life. They are an inspiration."

Corey Neff ~ “Rick and Hija took me from a young adult, fresh out of college, not sure where I was going in life, to a professional, knowing that I found my last career here at AIL with Opportunity Unlimited. Altig-Orlovic has a vision and excitement that is unparalleled and I owe a lot of my success to their leadership and drive."

Brian Traboulay ~ “I was touched by the organization's core values

and integrity and I was drawn to the energy and synergy. For 21 years,

they have inspired me to be an honest man, devoted father, caring leader and just a good human being."

Rick and Ilija, congratulations on your achievement and thank you for your continued leadership.

201-

IGAS ORINE YEAR

Rick and Ша, congratulations and once again thank you for inspiring us by setting the bar, showing us what is possible, and defining how to dream big. What you both have meant to this Company cannot be put into words... so | will say “thank you,” and that | believe this award is well deserved! Congrats to you and your team for a great year! —Simon Arias

Rick and llija, congratulations on a great year! —Rich Correa

A huge congratulations to both of you, Rick and Ilija, on your amazing accomplishment! You have changed the lives of so many people, not only in your organization, but throughout this great Company. You are true trailblazers... your leadership and the example you set for others is one that will live on for generations to come. Congratulations to you and may many blessings continue to come your way.

—Laura Fisher

Rick and Ilija have been the top writers every year and they are both geniuses. If it wasn’t

for their leadership and ALP year after year,

AIL would not be the great Company it is. —Don Foti

you interact with and know you are better for the experience.”

In our lives we meet and try to be like others that are monumental in their accomplishments and endeavors. Rick and llija are two of the most influential people that | have been privileged to know and learn from. They are the role models that many should want to

be. It is special to be the SGAs of the Year.

Congratulations to you both! —Steve Friedlander

What can | say other than “first class?” Rick and ја continue to set ће pace and stretch the rest of us with their vision. They have constantly inspired me to become a better SGA through

their innovation, creativity, and enthusiasm.

Congratulations on an incredible year! —Steve Greer

Rick and Ша individually are extraordinary people. The combination of their talents and

character make them the best team | know.

| have known them and worked with them closely for 2O years now, and | am proud to have them as colleagues and grateful to call them my friends. They surround themselves with talent; the best part is that the talent likes to be around them.

—Chris LaFond

| believe what makes the human experience so wonderful is that we have been given a

choice to rise to our own levels of greatness.

Even though this choice has been granted to us by our Creator it is the understanding of

this that truly makes us become extraordinary.

Rick & Ша truly understand this. They choose to do more and think bigger, which ultimately makes them a special gift to this Company that should be cherished. They

are role models and leaders to so many.

Congratulations and thank you for choosing to live at a higher level and teaching all of us by example that we can always do more.

—Sabrina Lloyd

Rick and llija, you guys rock! Congratulations for a great year to two of the greatest

leaders our Company has ever known.

—Durhon Oldham

| want to congratulate the entire Altig/ Orlovic organization on a great year and being the MVPs of American Income Life and National Income Life. Rick, llija, Rob, and the entire Agency continue to show us what is possible as we grow as a Company. The Pappas Agency, the Pappas family, and myself look forward to seeing what new heights you can achieve as a team and also what we can achieve as a Company while we all work together to truly continue to grow Opportunity Unlimited. Congratulations! —Theo Pappas

Rick and 1 а, you are the Warren Buffett and Bill Gates of AIL to me, and two of the absolute all-time best leaders AIL has ever had. You have been at the top — the kings of the mountain — for three straight decades; 30 solid years of being looked up to. It's unprecedented and inspiring that you have been at the top that long. Congratulations on being $GAs of the Year. No one has ever done anything close to what your team has done. You have my deepest respect and admiration.

—Marcus Smith

| have personally witnessed half of the history of American Income Life and have never missed an SGA Meeting. | have met all of the Company's top SGA leaders during this time and | have to say | would be hard pressed to come up with anyone more significant to the building and growth of this Company than Rick Altig, and now Rick and Ша. We are blessed to have you both at AIL, and Nancy and | are blessed to have you and your wonderful wives as our friends.

—Jim Surace

Congrats Rick and 1 а! | can't think of anyone that deserves this award more than you guys. | respect and look up to both of you more than you know. Throughout my 23 years with this Company, | have always been in awe of what you have accomplished. You guys push the bar and allow all of us to realize that there isn’t any number or goal that can’t be reached. | wish you continued success. —Tom Williams

s INDIVIDUALPRODUCERS

FEBRUARYPRODUCTION YTDPRODUCTION

E 7, г Е Rank Net ALP NTG RET MGA SGA Rank Net ALP NTG RET MGA SGA T ^ | 1 AliZaidi 527,625 95 Emmanuel Villasenor Brandon Cooley *1 Roghie Hassan Loo $50,029 83.8 Josh Chalom 1 2 James Keefer 27,016 79.1 Thomas Vena Simon Arias *2 James Keefer 43,654 79.1 Thomas Vena Simon Arias е2 З 3 Mark Lomonaco 25,000 74.6 Richard Mansfield Altig-Orlovic *3 Joseph Sarasin 40,462 86.9 Pamela Altman Surace-Smith 4 bh 1 4 Roghie Hassan Loo 24,919 83.8 Josh Chalom *4 Alvin Ali 38,688 86.6 Harold Durana Don Foti ALI ZAIDI JAMES KEEFER MARK LOMONACO ROGHIE HASSAN L00 5 Kaleiokamaile Viena 24,340 81.8 Jonathan Emura Altig-Orlovic *5 VanOrtega 38,249 80.1 Rafi Nawabi Altig-Orlovic PHOENIX, AZ PITTSBURGH, PA IDAHO FALLS, ID TORONTO, ON 6 VanOrtega 24,063 80.1 Rafi Nawabi Altig-Orlovic *6 Kaleiokamaile Viena 38,242 81.8 Jonathan Emura Altig-Orlovic 7 Alvin Ali 22,069 86.6 Harold Durana Don Foti *7 Ronald Rivera 37,776 94.3 Cohen-Cohen 8 Sean Grant 21,480 79.5 Melne Lewis Bob Olson 58 Lily Tchen 36,917 90.8 Cohen-Cohen 9 Kasali Kotun 20,165 75.8 Williams-Zophin *9 Mark Lomonaco 36,133 74.6 Richard Mansfield Altig-Orlovic 10 Joseph Sarasin 19,636 86.9 Pamela Altman Surace-Smith *10 Мах Quasem 36,056 94.6 Cohen-Cohen 11 Daniel Toshner 18,980 73.8 Joshua Olin Altig-Orlovic 11 Јоппі Ng 35,720 93.7 Hunter Houvener Altig-Orlovic > 12 Christopher Bennett 17,962 89 Ryan McIntosh Altig-Orlovic 12 Michael Moreno 34,997 86.9 Andrew McCarthy Altig-Orlovic KALEIOKAMAILEVIENA VAN ORTEGA ALVIN ALI SEAN GRANT 13 Guitree Basdeo 17,915 96 Noel Rose Williams-Zophin 13 Michael van Delft 34,208 88.3 Imran Satti AIEA, HI VANCOUVER, BC CONCORD, CA HAMMOND, IN 14 Shalom Chaimov 17,287 80.9 Syed Quadri Theodore Pappas 14 Philip Csati 33,835 95 Avi Kauderer Simon Arias 15 GianTrinidad 17,041 89.9 Bobby Gujral Altig-Orlovic 15 PaulSmith 33,537 82.5 Patrick Bendure Surace-Smith 16 Bechir Abboud 16,986 824 Bobby Gujral Altig-Orlovic 16 Ali Zaidi 32,529 95 Emmanuel Villasenor Brandon Cooley va 17 Angelique Piquion 16,468 97 Adeyemi Akinade Williams-Zophin 17 Dustin Dunbar 32,234 97.4 Altig-Orlovic 18 Beau Bequette 16,452 78.7 Jennifer Holliday Jeffery Thiel 18 Gary Gooden 30,977 744 Brandon Teter Jamison Weatherspoon 19 BentonTong 16,340 88.0 Cohen-Cohen 19 George Kamel 30,759 82.0 Patrick Bendure Surace-Smith 9 10 Iw 12 20 Lesina Ah Sue 16,291 85.0 Stephen Hill Steve Friedlander 20 Harvey Quinn 30,239 83.6 Matthew Wolfanger Durhon Oldham KASALI KOTUN JOSEPH SARASIN DANIEL TOSHNER CHRISTOPHER BENNETT 21 Tiffiney Harmouche 16,167 76.2 Nicholas Scordos Surace-Smith 21 Lesina Ah Sue 29,461 85.0 Stephen Hill Steve Friedlander MIAMI LAKES, FL CLEVELAND, OH SEATTLE, WA CHATTANOOGA, TN 22 Emil Mohareb 6,079 84.3 Atta Saleh Theodore Pappas 22 Kasali Kotun 28,859 75.8 Williams-Zophin 23 BruceTan 15,865 86.2 Christopher Clark Altig-Orlovic 23 Shalom Chaimov 28,694 80.9 Syed Quadri Theodore Pappas 24 Scott Hanna 5,751 71.2 Williams-Zophin 24 Martyna Dudapasieka 27,389 93 Marian Sertler Sabrina Lloyd 25 Dustin Dunbar 15,708 97.4 Altig-Orlovic 25 Orett Nelson 27,353 75.3 Josh Chalom 26 Michael van Delft 5,623 88.3 Imran Satti 26 Afuiva Vaai 27,011 70.5 Aaron Friedlander Steve Friedlander 27 Kehinda Pryor 5,580 72.5 Melne Lewis Bob Olson 27 Scott Hanna 27,008 71.2 Williams-Zophin 13 ) 14 15 28 Ruben Soberanes 5,294 72.5 Doreen Ryan-Foti Don Foti 28 Bechir Abboud 26,991 82.4 Altig-Orlovic GUITREE BASDEO SHALOM CHAIMOV GIAN TRINIDAD BECHIR ABBOUD 29 Gary Gooden 15,268 744 Brandon Teter Jamison Weatherspoon 29 Mike Allen 26,921 84.1 Mike Allen Travis Moody POMPANO BEACH, FL FLUSHING, NY SURREY, BC SURREY, BC 30 Jesusdieu Portilus 5,216 90.6 Fritznel Octave Williams-Zophin 30 Sherry Schick 26,776 844 John McGrath Altig-Orlovic " 31 Ronald Rivera 5,167 943 Cohen-Cohen 31 Beau Bequette 26,634 78.7 Jennifer Holliday Jeffery Thiel 32 Maren Conway 5,137 89.5 Marisa Willgruber David Hausman 32 Matt Flores 26,317 77.9 Cohen-Cohen 33 Joseph Hedborn 5,126 78.3 David Wang Bob Olson 33 BruceTan 26,294 86.2 Christopher Clark Altig-Orlovic 34 Sean Crampton 5,072 815 Sean Velasquez Cohen-Cohen 34 Chad Kaczinski 26,258 84 Cynthia Schneiderman Sabrina Lloyd x [1 35 Leon Green 4,883 100 Britton Costa Simon Arias 35 Raymond Angeles 26,247 84.8 Daven Hermosura Altig-Orlovic 17 | 18 19 20, Ч 36 Thomas Lafferty 4,842 71.3 Michael Clemente Simon Arias 36 Amy Shui 26,214 81.4 Giglione-Ackerman ANGELIQUE PIQUION BEAU BEQUETTE BENTON TONG LESINA AH SUE 37 Matthew Brazeau 4,700 73.1 Corey Cox Altig-Orlovic 37 Kehinda Pryor 25,631 72.5 Melne Lewis Bob Olson POMPANO BEACH, FL CREVE COEUR, MO LOS ANGELES, CA AUCKLAND, NZ 38 MaxQuasem 4,550 94.6 Cohen-Cohen 38 Ryan Vopat 25,304 93.6 Bradley Weigand Surace-Smith 39 Elizabeth Garcia 4,208 82 Zach Otto Sabrina Lloyd 39 Matthew Cessna 25,252 94 Justin Adams Simon Arias 40 Michelle Lee Watson 4,038 91 Noel Rose Williams-Zophin 40 Travis Picklesimer 25,133 84.9 Patrick Bendure Surace-Smith ICE B RE A KE RS 41 Jeffree Kawamoto 4,026 76.9 John Collins Altig-Orlovic 41 Mike Sukhbaatar 25,131 91.4 Daniel Umbertone 42 Matthew Cessna 3,975 94 Justin Adams Simon Arias 42 Jennifer Perez 25,071 76.8 Zach Otto Sabrina Lloyd 43 Darryl McCoy 13,964 92 Matthew Conrad Surace-Smith 43 Guitree Basdeo 25,037 96 Noel Rose Williams-Zophin 44 Riley Peters 3,946 774 Richard Mansfield Altig-Orlovic 44 James Alexander 24,754 83 Zach Otto Sabrina Lloyd 45 Katie Massart 13,917 88.4 John McGrath Altig-Orlovic 45 Riley Peters 24,549 774 Richard Mansfield Altig-Orlovic 46 George Kamel 3,914 82.0 Patrick Bendure Surace-Smith 46 Jonathan Emura 24,399 98 John Collins Altig-Orlovic 47 Sina Heak 3,800 95 Jeffrey Hall Chris La Fond 47 Erez Shabtay 24,353 90.2 Robert Hamilton Altig-Orlovic 48 Iman Chehli 3,732 90.4 Levar Morgan Theodore Pappas 48 Matthew Brazeau 24,344 73. Corey Cox Altig-Orlovic LEON GREEN KIMBERLY TAGLIAVIA LAURIE MAZZA 49 Deserick Davenport 13,653 97 Joshua Jackson Joseph Diecedue 49 Christopher Bennett 24242 89 Ryan McIntosh Altig-Orlovic PITTSBURGH, PA TROY, MI WARWICK, RI 50 Lee Jeffers 13,570 91.0 Altig-Orlovic 50 Jesusdieu Portilus 24,238 90.6 Fritznel Octave Williams-Zophin

An IceBreaker is a Producer who made his/her first sale in the last 2 calendar months. We will recognize all IceBreakers in the Top 20 Individual Producers list for the month, as well as the next Top 3 in this category.

ALL TIME RECORD: MARK NEILSON $159,402 Net ALP

ALL TIME RECORD: JOSHUA DISHONG $756,403 Net ALP

= SUPERVISINGAGENTS

FEBRUARYPRODUCTION YTDPRODUCTION

| © 7 Rank 1st 6 Mo Agt NetALP Ма RET MGA SGA Rank Ist 6 Mo Agt NetALP NTG ВЕТ MGA SGA | = © 1 Jenna Grula $41,429 $44,982 79.8 Matthew Diulus Simon Arias *1 Jenna Grula $75,182 $79,848 79.8 Matthew Diulus Simon Arias b Ї e ^ — 2 Christian West 35,176 49,283 99 Albert Serur Simon Arias *2 Zachary Lakatos 51,500 52,476 89 Kyle Wrobel Mathew Hart 1 2 4 3 Zachary Lakatos 33,487 34,349 89 Kyle Wrobel Mathew Hart *3 Emmanouil Paragiou 46,699 64,869 75.2 Nicholas Scordos Surace-Smith Hi -— 4 Julianne Scavo 32,201 35,144 78.1 Erin Allen Richard Correa *4 Julianne Scavo 45,604 55,083 78.1 Erin Allen Richard Correa eb ША кш WST ZACHAR TAD ш ши хир 5 Carrie Padgett 31,939 33,646 95 Adeyemi Akinade Williams-Zophin *5 Carrie Padgett 44,614 47,837 95 Adeyemi Akinade Williams-Zophin 6 Emmanouil Paragiou 25,145 37,876 75.2 Nicholas Scordos Surace-Smith 6 Paul Torman 43,779 56,223 73.8 Corey Hallam Giglione-Ackerman 7 Nicholas Neari 24,431 28,262 98 Brooke Spain Brandon Cooley 7 Christian West 42,600 63,231 99 Albert Serur Simon Arias 8 Kristina Moore 23,901 26,347 87 Melinda-Rae Lyse Altig-Orlovic 8 JasonSmith 41147 45,508 100 Ryan Giddens Steve Greer 9 JasonSmith 22,799 25,468 100 Ryan Giddens Steve Greer 9 Michael May 40,699 44,352 90 Avi Kauderer Simon Arias 10 Melinda Witkop 22,587 23,147 73.3 Steven King Zachary Hart 10 Kristina Moore 40,329 42,775 87 Melinda-Rae Lyse Altig-Orlovic 6 k 7 11 Casey Finley 21,907 30,557 99 Ryan Giddens Steve Greer 11 Огу Kelley 38,129 42,480 79.4 Patrick Bendure Surace-Smith 12 Abelaziz Farsakh 21,036 25,873 93 Mohammed Moalawi Theodore Pappas 12 KaylaTaylor 37,374 61,302 81.0 Charles Ferrari Simon Arias CARRIE PADGETT EMMANOUIL PARAGIOU NICHOLAS NEARI KRISTINA MOORE 13 Tiffiney Harmouche 20,727 37,710 76.4 Nicholas Scordos Surace-Smith 13 Tiffiney Harmouche 34,564 50,908 76.4 Nicholas Scordos Surace-Smith Pompano asaan E а ае ошо 14 Paul Torman 20,447 25,825 73.8 Corey Hallam Giglione-Ackerman 14 Elizabeth Tompkins 34,045 54,243 83.6 Robert L Smith Durhon Oldham 15 Jonathan Seguin 19,524 17,882 87 Zoltan Krecsko Brian Traboulay 15 Ronald Lackey 34,015 40,585 88 Minh Phung Scott Rehberg 16 George Kamel 19,253 39,646 81.9 Patrick Bendure Surace-Smith 16 Anna Pulit 33,854 34,174 96 Marian Sertler Sabrina Lloyd 17 Daniel Juskiw 18,957 27,946 100 David Guzman Surace-Smith 17 Heather Miller 32,894 33,631 77.0 Brian Welsh Simon Arias 18 Jordon Graham 18,722 18,957 99 Zach Otto Sabrina Lloyd 18 Abelaziz Farsakh 32,678 46,940 93 Mohammed Moalawi Theodore Pappas 19 Paul Linn 18,366 21,032 76.1 Britton Costa Simon Arias 19 Verniecia Shivers 32,313 36,875 89 Henry Ingraham Williams-Zophin 10 20 Ronald Lackey 17,712 23,055 88 Minh Phung Scott Rehberg 20 Casey Finley 31,558 44,200 99 Ryan Giddens Steve Greer Di тко ALL TIME RECORD: $286,210 1st 6 Mo Agt ALL TIME RECORD: $286,210 Net ALP — ALL TIME RECORD: $653,097 1st 6 Mo Agt ALL TIME RECORD: $959,675 Net ALP FEBRUARYPRODUCTION YTDPRODUCTION Rank 1st 6 Mo Agt NetALP МТС RET MGA SGA Rank Ist 6 Mo Agt NetALP МТС RET MGA SGA 1 Patrick Guthrie $80,568 $97,513 73.2 Kyle Wrobel Mathew Hart *1 Patrick Guthrie $163,727 $186,978 73.2 Kyle Wrobel Mathew Hart 2 Stephen Giddens 64,179 89,993 74.4 Ryan Giddens Steve Greer *2 Joshua Krueger 130,382 143,910 91 Erin Allen Richard Correa 4 3 Steven Rios 61,506 70,549 91 Marian Sertler Sabrina Lloyd *3 Stephen Giddens 127,947 170,156 744 Ryan Giddens Steve Greer Е 4 Joshua Krueger 52,474 61,309 91 Erin Allen Richard Correa *4 Andrzej Sertler 101,260 102,024 85 Marian Sertler Sabrina Lloyd aes UTHRIE шингэн DDENS но; шинэ VEGER 5 Andrzej Sertler 51,746 52,205 84 Marian Sertler Sabrina Lloyd *5 Daniel Walton 97,368 174,379 78.0 Patrick Bendure Surace-Smith 6 Joshua Crisp 46,510 46,510 88 Tom Weller Zachary Hart 6 Steven Rios 96,437 114,789 91 Marian Sertler Sabrina Lloyd 7 Micah Focken 46,205 45,005 76.2 Steven King Zachary Hart 7 Erin Moyer 91,943 134,055 745 Mark Beckford Slav Bitman 8 Bilal Farsakh 45,403 77,626 72.2 Mohammed Moalawi Theodore Pappas 8 James Sodan 80,247 107,261 97 Robert L Smith Durhon Oldham 9 James Sodan 44,823 63,378 97 Robert L Smith Durhon Oldham 9 _ Sokol Fazliu 79,363 92,647 79.7 Matthew Diulus Simon Arias 10 James Harding 44,820 59,190 92 Andrew McQuade Richard Correa 10 Robert Schneiderman 76,070 108,502 82 Cynthia Schneiderman Sabrina Lloyd 7 | 11 Erin Moyer 43,799 65,448 74.5 Mark Beckford Slav Bitman 11 James Harding 75,986 99,529 92 Andrew McQuade Richard Correa hu — Е 12 Daniel Walton 43,429 82,670 78.0 Patrick Bendure Surace-Smith 12 Dominic Telymonde 73,666 100,164 75.1 Evan Holzhauer Giglione-Ackerman JOSHUA CRISP MICAH FOCKEN BILAL FARSAKH 13 Ramon Velasquez 42,330 51,712 76.1 Emmanuel Villasenor Brandon Cooley 13 Michael Stuver 73,040 103,166 83 Ryan Fickert Zachary Hart HUM ade Pisa 14 Sokol Fazliu 41,758 48,160 79.7 Matthew Diulus Simon Arias 14 Bilal Farsakh 72,592 159,228 72.2 Mohammed Moalawi Theodore Pappas ta 15 Danlkei 41,167 41,167 95 Blake Higuchi Altig-Orlovic 15 Craig Ebinger 70,995 87,706 86 Michael Gerstein Giglione-Ackerman 16 Morgan Lobello 39,857 52,368 89 Corey Helly Giglione-Ackerman 16 James Cassie 69,644 70,771 93 Adeyemi Akinade Williams-Zophin 17 James Cassie 39,690 40,817 93 Adeyemi Akinade Williams-Zophin 17 Ramon Velasquez 68,312 78,437 76.1 Emmanuel Villasenor Brandon Cooley 18 Michael Stuver 38,141 52,799 83 Ryan Fickert Zachary Hart 18 Morgan Lobello 67,458 92,698 89 Corey Helly Giglione-Ackerman 19 Holly Lacey 36,355 41,265 86 Robert Kanaan Imran Satti 19 Danlkei 65,714 66,413 95 Blake Higuchi Altig-Orlovic 10 20 EricThompson 36,062 72,464 73.0 Matthew Parks Surace-Smith 20 Nacole Newbold 63,008 132,326 70.0 Robert Kanaan Imran Satti

.— JAMES HARDING

AURORA, CO

_ ALL TIME RECORD: $441,104 1st 6 Mo Agt ALL TIME RECORD: $624,474 Net ALP ALL TIME RECORD: $1,468,394 1st 6 Mo Agt ALL TIME RECORD: $2,262,883 Net ALP

MASTERGENERALAGENTS

FEBRUARYPRODUCTION

Rank 1st 6 Mo Agt Net ALP NTG RET SGA 1 Marian Sertler $138,473 $151,418 70.4 Sabrina Lloyd 2 Christopher Rodriguez 102,375 117,581 71.3 Kyle Johnson 3 Erin Allen 83,215 98,937 74.2 Richard Correa 4 Ryan Fickert 71,048 86,046 83 Zachary Hart 5 Patrick Bendure 68,209 206,396 86 Surace-Smith MARIAN SERTLER CHRISTOPHER RODRIGUEZ ERIN ALLEN RYAN FICKERT 6 TomWeller 65,591 71,013 80 Zachary Hart I ll шарах шаасан P 7 Robert L Smith 65,573 98,739 98 Durhon Oldham 8 Robert Kanaan 64,525 110,260 73.0 Imran Satti 9 Ryan Giddens 64,179 89,993 74.1 Steve Greer 10 Doreen Ryan-Foti 60,281 158,989 78.1 Don Foti 11 Matthew Conrad 58,432 79,328 72.2 Surace-Smith 12 Mark Dombrowski 57,658 65,169 718 Giglione-Ackerman 5 13 Оа Tupouniua 54,399 117,484 713 Steve Friedlander : 29. 14 Steven King 54,178 75,763 74.1 Zachary Hart PATRICK BENDURE TOM WELLER ROBERT L SMITH ROBERT KANAAN 15 Andrew McQuade 53,453 74,007 76.0 Richard Correa MBS ОП 221 шал KREJN 16 Michael Musso 49,972 95274 767 Williams-Zophin 17 Richard Correa 18 Joseph Diecedue 19 Samantha Chui Williams-Zophin

ALL TIME RECORD: $438,277 1st 6 Mo Agt ALL TIME RECORD: $723,872 Net ALP

э ж-4

RYAN GIDDENS HOUSTON, TX

DOREEN RYAN-FOTI CONCORD, CA

REGIONALGENERALAGENTS

Pm шет

FEBRUARYPRODUCTION

Rank 1516 Mo Agt Net ALP NTG RET SGA

1 Joshua Dishong $280,375 $397,250 723 Zachary Hart 2 MichaelLaramie 205,571 288,322 72.6 Steve Greer 3 ThomasVena 192,431 351,898 72.6 Simon Arias 1 4 Matthew Turnquist 189,603 256,539 77.0 Richard Correa 5 Matthew Parks 177,043 340,441 75.0 Surace-Smith JOSHUA DISHONG MICHAEL LARAMIE THOMAS VENA 6 Corey Helly 168,725 225,080 705 Giglione-Ackerman TROY, MI HOUSTON, TX PITTSBURGH, PA 7 Matthew Diulus 165,062 247,234 70.0 Simon Arias 8 Brett Gryska 159,826 402,839 76.2 Durhon Oldham 9 Andrew McQuade 154,158 235,359 72.3 Richard Correa 10 Christopher Rodriguez 135,203 156,753 72.0 Kyle Johnson

ALL TIME RECORD: $980,159 1st 6 Mo Agt ALL TIME RECORD: $1,435,508 Net ALP

MATTHEW PARKS CLEVELAND, OH

MATTHEW TURNQUIST AURORA, CO

Steve Svendson 49,231 95,265 70.2 Todd Glazer 48,861 81,261 70.2 Herman Fennell 48,540 56,443 70.7 20 Arie Davis 46,977 85,817 717 i : - 10 UM ,

YTDPRODUCTION

Rank 1st 6 Mo Agt Net ALP NTG RET SGA *1 Marian Sertler $242,701 $292,474 70.4 Sabrina Lloyd *2 Christopher Rodriguez 174,555 202,427 713 Kyle Johnson *3 Erin Allen 172,728 200,972 74.2 Richard Correa *4 Nicholas Moore 152,075 336,130 74.7 Durhon Oldham 55 Patrick Bendure 147,068 413,525 86 Surace-Smith 6 Robert Kanaan 132,784 211,963 73.0 Imran Satti 7 Ryan Fickert 128,549 163,979 83 Zachary Hart 8 Ryan Giddens 127,947 170,156 74.1 Steve Greer 9 Matthew Conrad 127,477 154,732 72.2 Surace-Smith 10 Ryan Hall 120,832 174,976 7221 Laura Fisher 11 Bobby Szwaja 111,908 212,569 71.0 Theodore Pappas 12 Doreen Ryan-Foti 107,272 283,008 78.1 Don Foti 13 Matthew Diulus 105,379 156,599 73.6 Simon Arias 14 Patrick Knouse 94,796 155,061 71.8 Slav Bitman 15 Mark Dombrowski 93,770 110,655 71.8 Giglione-Ackerman 16 Matthew Hogan 91,243 62,846 99 Matt Henderson 17 Mark Beckford 90,678 148,785 71.6 Slav Bitman 18 Tom Weller 87,596 88,615 80 Zachary Hart 19 Alexander Dorey 84,209 118,738 72.1 Imran Satti 20 Herman Fennell 83,158 97,871 70.7 Samantha Chui

ALL TIME RECORD: STEPHEN HILL $2,476,896 1st 6 Mo Agt ALL TIME RECORD: $4,468,285 Net ALP

YTDPRODUCTION

Rank 1st 6 Mo Agt Net ALP NTG RET SGA *1 ThomasVena $431,554 $720,521 72.6 Simon Arias 52 Matthew Parks 367,765 620,019 75.0 Surace-Smith 3 Michael Laramie 356,414 511,250 72.6 Steve Greer 4 Matthew Turnquist 347,825 463,753 77.0 Richard Correra 5 Brett Gryska 324,992 779,900 76.2 Durhon Oldham 6 Corey Helly 287,516 393,212 70.5 Giglione-Ackerman 7 Matthew Diulus 286,917 426,055 70.0 Simon Arias 8 Joshua Dishong 280,375 397,300 72.3 Zachary Hart 9 Andrew McQuade 249,735 406,579 72.3 Richard Correra 10 Patrick Bendure 246,507 706,761 75.0 Surace-Smith

ALL TIME RECORD: $5,230,627 1st 6 Mo Agt ALL TIME RECORD: $8,242,209 Net ALP

STATEGE EX ALAGENTS

FEBRUARYPRODUCTION

Category NTG RET Ist 6 Mo Agt Ist 6 Mo Obj 06 1516 Мо 00) %NetALPGrowth Performance Factor t | Durhon Oldham 76.3 $159,827 $227,000 70.4 20.7 91.1 l| Steve Greer 73.5 $259,808 $133,500 194.6 53.8 248.4 Richard Correa 74.1 289,390 183,500 157.7 370 194.7 Williams-Zophin 73.7 236,232 183,500 128.7 45.7 174.5 Chris Hernandez 71.5 177,394 183,500 96.7 18.5 115.1 lll Zachary Hart 83 $274,939 $130,000 211.5 85.7 297.2 Slav Bitman 73.0 87,103 90,000 96.8 39.1 135.9 IV Jamison Weatherspoon 91 $62,692 $67,000 93.6 36.4 130.0 V James Cunningham 94 $79,733 $57,000 139.9 115.6 255.5 VI: Kyle Johnson 71.5 $131,515 $44,500 295.5 230.5 526.0 Scott Rehberg 75.5 89,232 40,000 223.1 72.5 295.5 DURHON OLDHAM STEVE GREER ZACHARY HART Samantha Chui 71.6 75,208 41,500 181.2 102.9 284.2 VII Eric Cochran 79.3 $65,725 $32,500 202.2 66.3 268.6 Jared Cleckner 75.6 38,473 27,000 142.5 94.4 236.9 Bill Myatt 90 29,197 30,000 97.3 83.1 180.4 Daniel Umbertone 93 39,644 37,000 107.1 17.9 125.0 VIII Byron Paz 73.1 $26,856 $25,000 107.4 424.6 532.1 Mitch Duplantis 70.0 55,518 25,000 222.1 21.6 243.7 Randall Cook 78.7 23,532 17,000 138.4 N/A N/A

YTDPRODUCTION

Category NTG RET 1st 6 Mo Agt 1st 6 Mo Obj 961516 Мо 00) %NetALPGrowth ^ Performance Factor t

E: І Altig-Orlovic 77.2 $1,620,431 $1,934,000 83.8 16.2 100.0

l| Steve Greer 73.5 $454,176 $267,000 170.1 60.5 230.6

JAMISON WEATHERSPOON JAM ES Cu N N l NG HAM KYLE 10 Н N 50 N Richard Correa 74.1 512,240 367,000 139.6 19.3 158.9 Williams-Zophin 73.7 391,519 367,000 106.7 22.8 129.5

lll Zachary Hart 83 $442,782 $260,000 170.3 73.4 243.7

Laura Fisher 73.1 240,705 180,000 133.7 17.1 150.8

Slav Bitman 73.0 184,937 180,000 102.7 42.2 144.9

V James Cunningham 94 $159,187 $114,000 139.6 97.7 237.3

VI. Kyle Johnson 71.5 $217,333 $89,000 244.2 200.1 444.3

Scott Rehberg 75.5 159,685 80,000 199.6 93.4 293.0

Samantha Chui 716 135,901 83,000 163.7 102.9 266.7

VII Eric Cochran 79.3 $117,497 $65,000 180.8 51.0 231.8

Jared Cleckner 75.6 62,453 54,000 115.7 82.1 197.8

Bill Myatt 90 49,698 60,000 82.8 58.0 140.9

1 VIII Byron Paz 73.1 $90,633 $50,000 181.3 254.8 436.1 - Mitch Duplantis 70.0 105,617 50,000 211.2 26.7 237.9

ERIC COCHRAN BYRON PAZ Randall Cook 78.7 31,301 34,000 92.1 N/A N/A

t Performance Factor = % Net ALP Growth + 96 1st 6 Mo Obj

Spotlight recognizes State General Agents in Categories ЕМ! with minimum 10% growth and 80% of First Six Month Net ALP Objective; SGAs with less than 12 months tenure in CAT I-VIII will be ranked with 100% of objective or above and are not eligible for YTD awards; and the top Net ALP Producer in both the Start-Up and Rookie Categories. YTD Winners for Categories l-VIII will be recognized at Convention by adding both their YTD Growth % and their YTD F6 Net ALP Obj and the YTD Spotlight number may not necessarily reflect that computation. SGAs <13 months will only be recognized by 80% or better of F6 month agent production.

PUBLICRELATIONS

CATEGORY |

EAO

CHUCK HILL

LODI, CA

VIKI FARR

CANTON, MI

CATEGORY III

CATEGORY ІІ

STEVE SANCHEZ

PEMBROKE PINES, FL

CATEGORY IV

DAVID SCALISI

ROCHESTER, NY

1 SANDY KNAPP LAURIE GRUBER ANNA GUIDO ROHRER LORI VAUGHN NEENAH, WI HAMMOND, WI DAYTON, OH PORTLAND, OR 1ST SIGNED TG

cc - = 25 = с FEE, cc = - = lh [= e

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REBECCA ROZARIO ANGELA WALLER CHUCK HILL

MISSISSUAGA, ON PITTSBURGH, PA LODI, CA

FEBRUARYBONUSES

Sue Akers

Ken Altizer Robin Andrade Malka Arony Lisa Bennett Gabriela Berloni

Lou Nell Busby Fran Christie Cheryl Cook Amanda Cross Travis Daniels Robin Denham

Brenda Di Somma Darrell Dorey Vivian Dwyer

Viki Farr

Mark Flemm Mark Gagliardi Susan Gilbert Laurie Gruber Anna Guido Rohrer Jeffrey Hapke Jerry Hartnett Krissa Hensley

Brett Hulme Sandy Knapp Shane Knowles Cynthia Kunce Donna LaMontagna Timothy Leary Larry Lozano Lacy Martin Nicole McCarthy Erin McKee Kevin McKeen George Murry

Tim O’Connor Steve Orcherton Kathy Pappas Rona Pileggi Spano Janis Pitts

Cas Robinson Chas Robinson Gary Rothman Irene Rurycz David Scalisi William Slocum Mario Soljan

Donald Spohn Jennifer Sprout Jessica Treybick

Leo VanDenBussche Lori Vaughn

Bill Verbeten

Al Wall

Angela Waller

Lisa West

FEBRUARYPRODUCTION

Category Rank Production in Cards Location/Manager

1 1 Chuck Hill 10,821 NorCal & Reno/Jason Beckman

2 VikiFarr 2,883 MI/Beth Farm 3 RonaPileggi Spano 2,090 Chicago/Dawn Trudden 4 Donald Spohn 1,804 OH/Judy Spade 5 Jessica Treybick 1,759 NY City/Brian Ryan

11 1 Steve Sanchez 1,292 S FL/Billy Sauers 2 David Scalisi 1,212 NY State/J T Tasker 3 Brett Hulme 1,100 GA/John Keliher 4 Lacy Martin 1,060 Houston/Christa Davis 5 Jeffrey Hapke 1,041 PA/Katherine Pratt

lll 1 Sandy Knapp 1,802 WI/Amanda Mlinaz 2 Laurie Gruber 1,465 WI/Amanda Mlinaz 3 Mario Soljan 684 NZ/Steve Friedlander 4 Leo VanDenBussche 572 MB/Jackie Lowe 5 Paul Winslow 560 St Louis/Cindy Cleary

IV 1 Anna Guido Rohrer 2,615 S OH/Tami Williams 2 Lori Vaughn 1,089 OR/Shannon Bennett 3 Steve Orcherton 1,057 BC/Jackie Lowe 4 Amanda Cross 973 KY/Tami Williams 5 Dee Hettinger 896 KS & NW MO/Cindy Cleary

ROOKIE 1 Angela Waller 795 PA/Katherine Pratt

ALL TIME PR CARD PRODUCTION RECORD: 18,960 CARDS

FEBRUARYMANAGERS

Rank Card Growth Director 1 Chuck Hill 6,212 Jason Beckman 2 Judy Spade 4,395 Michelle Baxter 3 Amanda Mlinaz 1,785 Laurie Onasch 4 Carmella Stroud 828 Jason Beckman 5 Brian Ryan 736 Michelle Baxter

YTDPRODUCTION

Category Rank Production in Cards Location/Manager

151 Chuck Hill 11,018 NorCal & Reno/Jason Beckman *2 Rona Pileggi Spano 5,080 Chicago/Dawn Trudden 3 Malka Arony 4,894 AZ/Maureen Roberts 4 Viki Farr 4,876 MI/Beth Farm 5 Larry Lozano 3,399 NorCal & Reno/Chuck Hill ll *1 Jeffrey Hapke 2,728 PA/Katherine Pratt *2 Robin Andrade 1,821 Mass & RI/Rosanna Gill 3 Lacy Martin 1,645 Houston/Christa Davis 4 David Scalisi 1431 NY State/J T Tasker 5 Brett Hulme 1,400 GA/John Keliher Ill *1 Laurie Gruber 2,207 WI/Amanda Mlinaz *2 SandyKnapp 2,198 WI/Amanda Mlinaz 3 LeoVanDenBussche 1,876 MB/Jackie Lowe 4 Shannon Bennett 1357 WA/Jason Beckman 5 Mario Soljan 1,351 NZ/Steve Friedlander IV *1 Anna Guido Rohrer 3,206 S OH/Tami Williams *2 Amanda Cross 1,822 KY/Tami Williams 3 Tim O'Connor 1,631 OK/Christa Davis 4 Dee Hettinger 1281 KS & NW MO/Cindy Cleary 5 Lori Vaughn 1,265 OR/Shannon Bennett

ALL TIME PR CARD PRODUCTION RECORD: DENISE BOWYER 61,879 CARDS

YTDMANAGERS

Rank Card Growth Director

*1 Amanda Mlinaz 2,235 Laurie Onasch

*2 Maureen Roberts 1,845 Jason Beckman

*3 ChuckHill 843 Jason Beckman 4 JudySpade 546 Michelle Baxter 5 BethFarm 165 Patti Morgan

PUBLIC RELATIONS CATEGORIES ARE AS FOLLOWS:

CATEGORY POPULATION ROOKIE: 1 over 11,000,000 2 8,000,000 to 10,999,000 ICEBREAKER: Reps with 2015 Hire Date 3 5,000,000 to 7,999,999 4 Under 5,000,000

Reps with 2014 Hire Date

PR MANAGER: Overall card growth at the end of the current month over previous year.

WORLDS ШИ BONUS

$1,194 1,192 1,192 1,191 1,189 1,188 1,185 1,184 1,182 1,181

^ kb PN | | l 1,181 i 4 l tan Е ) t Jh 1,180 (ШИШ ШЇЇ ҮЙ ЇЇ ТЇШЇ ШИ JOSEPH ШИМ esse Coatne Kelly 1,176 L Ross E 1,175 $5,465 $5,211 $5,151 $5,021 $4,913 1,510 1,173 Altig-Orlovic Josh Chalom Brandon Cooley Don Foti Surace-Smith 1,506 1,166 \ 1,501 1,166 1,500 1,164 1,498 1,163 February Bonus Payout: $1,362,640 n ын February Bonus Qualifiers: 1,593 1,491 1,153 1,491 1,153 1488 Vici 1,150 1,487 1,149 $2,687 $2,115 $1,816 1,486 1,144 2,650 2,094 1,813 1,485 1,141 2,595 2,088 1,810 1,485 1,139 2,594 2,086 1,790 1,484 1,138 2,563 2,074 | 1,789 1,482 1,133 2,561 2,072 1,786 1,481 1,132 2,538 2,055 1,771 1,480 1,131 2,513 2,053 1,771 1,476 1,131 2,509 2,029 1,761 1,474 1,129 2,509 2,019 1,758 1,474 1,127 2,505 2,018 1,753 1,470 1,125 2,504 2,017 1,750 1,467 1,125 2,503 2,011 1,749 1,466 1,122 2,488 2,009 1,743 1,462 1,114 2,473 1,982 1,737 1,455 1,104 2,461 1,980 1,725 1,455 1,103 2,427 1,972 1,725 1,448 1,092 2,426 1,968 1,713 1,442 1,091 -Gonzalez 2,421 1,962 1,708 1,440 1,090 2,402 1,933 1,696 1,439 1,088 2,394 1,933 1,695 1,438 1,088 2,378 1,933 1,683 1,431 1,085 2,369 1,919 J 1,678 1,429 1,083 2,360 1,918 | 1,667 1,426 1,083 2,360 1,908 1,636 1,421 1,082 2,350 1,907 1,630 1,416 1,080 2,334 1,905 1,629 1,413 1,079 2,329 1,901 1,629 1,409 1,078 2,320 1,897 1,625 1,409 1,077 2,307 1,886 1,625 1,404 1,076 2,266 1,876 1,624 1,404 1,075 2,246 1,870 1,623 1,403 1,075 2,234 1,866 1,620 1,401 1,071 2,230 1,860 1,616 1,396 1,070 2,228 1,859 1,606 1,394 1,069 2,183 1,833 1,605 1,393 1,066 2,180 1,832 1,605 1,390 1,066 2,177 1,831 1,603 1,389 1,065 2,150 1,821 1,601 1,389 1,064 D 2,150 1,817 1,599 1,385 1,062 2,149 1,817 1,593 1,382 1,059 2,129 1,817 1,590 Ji 1,374 1,053

$1,053 1,050 1,044 1,042 1,041 1,040 1,039 1,039 1,037 1,037

1,034 5

1,030 1,026 1,024 1,022 1,022 1,021 1,015 1,012 1,010 1,008 1,007 1,006 1,005 1,003 1,003 1,002 1,001 997 997 993 992 990 990 988 985 985 984 983 983 982 981 980 980 980 978 978 976

974 Jos

972 970 967 964 962 960 958 957

954 |

950 950 946 945 945 944 941 940 939

TIR TRIER

$938 938 937 937 932 932 930 930 921 921 915 913 912 910 907 905 904 903 903 902 902 902 899 899 898 898 897 892 892 891 886 886 886 882 882 882 880 879 878 877 876 876 874 873 873 870 866 866 863 863 861 860 856 856

ravis Kovach Carly Ferraro Daniel Martinsen Gordon Fulton oshua Nymon Gary Slocum Daniel Phares Karan Rogers Victor Agurto Edward DeFurio Lisa Martin atthew Zang Charles Belt Elba Vargas Brunette Marthone Kimberly Wilkerson aren Davis Kimberly Alston

Steve Svendson

aul Torman ohammed Moalawi Courtney Basil Catherine Edwards Kamal Tayyib

Ashley Bodnar Stephanie Kell

Sean Walsh

Dawn Eckelberry

Lee van Delft

Alma Lozano

yler Harrington

icole Harrell

arrin Roberts

odi Raymond

Scott Swint

ustin Germany

Erin Murray

Ela Anae-Ah Sue Donrie Purcell

athan Duram Anthony Sava

oshua Stone

acKenzie Stahn

thew Kurey

iurka de Armas-Duran hilip Roffi

Aleksandra Wojtach chel Helgeson

effery Johnson

Kelly Hickethier

oberto Navarro

eana Plaster

ouglas Lloyd

Victoria Varney

$855 853 852

227

Michael Loveall Milena Arceo

ared Elrod Malaysia Halley Deante Young asaki Are

Eric Thompson Sathnarine Kumar ichard Waldo homas King

ohn Bilinsky

ana Winn

Lamar Huntley Charles Raker

ony Geer

Bradley Christiansen Brenna Jensen homas Agee Howard Dotson адие! Mallett Marcus Smith

eria Afuamua

Ben Greenhood Zachary Whipple Brian Wallace anya Dodson onathan Emura uben Santillana Soonalote Taogaga Felix Gonzalez Laura McCurry Oscar Carter

Alix Albright Anthony Vaughn rine Andersen Dilushi Perera Kristi Vang

Victoria Perea

obin Delahoussaye Yevgeniy Miroshnikov Daniel Lopez

Hugo Flores Michael McClintock Lonny Goodman atalie Soboleva Samaiya Minor Braden Buck Melissa Losk

Samy Jacques Dorothy Niederer Candice Anderson Casey Hayes Kandace Johnson Hall Kaitlin Lazar

BONUSCONTINUGD —— I

$786 785 783 782 782 782 776 775 773 773 772 711 770 770 769 767 764 764 761

Stephan Gustafson eter Davis Conrad Nieh

odd Jones Vanessa Carrillo Kathleen Johnson ax Myers

Ethan Goodare ario Rodriguez Ashley McCall Clint Uwaine Kevin Carr

andy 0'Campo chad Sellers Andrew Severson enis Snyder Vicki Schettler inzhou Zhao onathon Hitt amaar Jones Brett Surgener on Liguori Vanessa Delery oshua Egyud aven Goodrum Audrey Wirt Anthony Stephens oberta Whitman Andrew Wilson Amanda Zophin Ulrich Jansen Christian Hedgepath uke Adujones Kade Beck ebecca Benyo oseph Frankine Leopoldo Tabin Brendon Schryer Shannon Brown honda Brown Brodie Fischer Kevin Holtz oshua Connors Sonia Tyner

saac Alvarez eghan Grindy onathan Frigola atricia Lee effrey Spanaus Shelia Smith Derek Foore Chufon Jackson April Anderson aria Fe Abad-Barte

$721 717 717 716 716 716 716 716 712 712 712 711 711 710 709 709 708 707 707 705 704 704 703 703 695 694 694 693 686 683 683 682 682 682 681 681 677 677 676 675

Marc Thebeau Demmerick Stevenson Luke Biereonwu

Kim Co

Erin Nicole

ате!! Ramsay Slavita Hut

Glenn Martin

rishia Gaines

Oleg Novitchii

yler McKnight ennifer Molitor jackie Okimoto

Lisa Wasmund

Sierra Healy O'Neil Cooper Michael Schumacher oseph A Harris

on Gelhorn

onathan Makemda Collin Miles

oshua Rush

iffany Babin

Shelby Huff

oe Simoneau

arc Demilia

Alisha Anderton ordan Howard elinda-Rae Lyse Karmyn van Huizen Alex Giddings

Frank Guarascio Christopher Hamilton Angelique Lavaly iara Jeffreys Brandon Leonardo essica Brewer

Eric Dollar Stephanie Burns adira John Lakiethra Jordan ichard Jones silo Reynolds ames Miller olyna Berlin oleen Bray anice Harrington Carson Bickert Mack Hanna Andrea Yee Loraine Patterson eer Shmelzer ikki Sievers David Norman

$655 Brittany Intharaphet 655 Cuauhtemoc Santamaria 654 Youhao Sun 653 Brittinee Ridenour 653 Kyle Fletcher 652 Shelby Schwab 650 Kierra Goodwin 650 Tasha Tucker 650 Amr Shater 648 Patty Davis 643 Sheyla Flores 643 Delevan Roy 641 Aaron Casby 641 Kushinga Baudi 640 Denise Hodges 640 Anacleto Arevalo 639 Brandon Miller 639 Edward Crocker 638 Nadezhda Vitchev 638 Sione Nau 637 Anita Ferris 637 Andrew Costello 635 Robert Harris 634 James Bailey 633 Jesse Thrash 633 Sylvia Urquidez 631 Michael Donahue 629 Renada Bogan 628 Constance Tuiteleleapaga 628 Judy Dawson 627 Yuridia Stoffa 627 Kenyatta McConico 626 Taylor Orona 625 Zachary Lakatos 624 Mikola Askew 624 Chad Price 623 Brighton Layton 623 Chijioke Madugwulike 623 Lisa Richardson 622 Steven Bensinger 622 Matthew Vaupel 621 Avalon McLeod 621 Aaron Haynes 618 Hugo Santos-Suarez 617 Wislaine Laurent 617 Ryan Witham 617 Glenda Crump 616 Ricardo Garavito 616 Shainna Grant 616 Jennifer Holliday 615 Gordon Biggums 615 VeniLosano 615 Olesya Wegner 613 Wendy Sotelo

Garret Kun

Carly Mitchell Alejandro Anderson ravis White

avier Diaz

im Hintze

Ashley Watson Diana Vedock Donna Glende Deshay Ward

yan Feehan euben Vincent Alex Bosse Lisa Woodson jasmine Thompson Anthony Demeo Codey Frantz Adam Huck ebecca Kuefler Adam Pottebaum

Anthony Theriault Chantal Mallette Heulett Suggs Haydn Daniel Griffin Sutherland oyce Lemar Crystal Triplett Daniel Ball Ailepata Tavelu Billy Meyer Daniel Dunham Christopher Hickok Keshira Wynn Steven Mason Kelsi Jewel G 5 D

enn Arakawa erena Johnson avid Golovin

ark Bleier Dianna Hernandez Shane Ramage ichael Cirelli Bryant Kyle

ames Reddick Daniel Wallace aula Jaime-Agramon Sandra Sobieski essica Napiza Belinda Rickles

WGB recognition is based on $1,500 weekly ALP minimum achievement level

Grant Myers Collins Appiah Kelly Marceniuk errard Brown Sergi Ruiz

ay Vance

ichael Mallia Chantel Floyd

ohn Cochrane obin Sloan

ames Shelton Caroline Mikhail atthew Obringer Arthur Sigler

Olga Tsymbal

ikki Crosby onica Medina Collin Basmajian immy Lubin Arthur Menina oshua West Audrey Kersey Adrian Ortiz Adam Mosbacker Ashley Ruhl Amber Jeanne ichelle Seaman Lamisha Readus ill Pope ames Harding achael Hicks Lige Li Donald Felix Stephen Parent icardo Benson aul Cossier

Gail Bauman Lenin McFarlane Beth Blumershine Alvin Massenburg Branden Griffin Walter Mardis Sherwood Brown icardo Subero егету Rivers riscila Gonzalez Frederick Noel icky Mizell Andrew McCarthy ason Tuttle Feltus McKowen hillip Luci Ernest Patterson

on-Michael Marino

$515

515 515 512 510 509 508 508 508 507 507 507 507 506 506 504 503 502 502 501 501 501 500 500 500 500

C G

K A K

аша Stiefe ebb Lyons

avid Buechler lireza Yaesubi

eresa Lubrani

ryan Hamrock

uan Nunez

renna Schmidt obert Weingrad erivelto Pereira dam Fox

enifer O'Reilly homas Yarbrough

olly Henson

ustin Diaz

ark Vancosky hristina Miller erald Bonaparte

ristine Cuesta

arod Bordynoski

icholas Jac ati Smith ndrea Parsons

ymberly Littlejohn

hauna Hannemann

ark McGinnis

auline Cresswell $1,044 Craig Ebinger $750 Erin Nicole $552 Robert Chun 1,580 Adam Stowe 1,038 Tyler Worstell 750 Polina Philbin 550 Jacob Gill 1,577 Britton Costa 1,025 Taylor Blac 747 Yussuf Elzein 550 William Hoffman 1,557 Gabriel Feldmann 1,004 Horan 739 Lori Dacyk 550 Тогіапо Landau-Bogan 1,525 Holly Lacey 1,000 Micah Focken 725 Casey Finley 550 James Pierce 1,513 Chelsie Young 1,000 James Harding 720 Patrick Duray 550 Anna Pulit і g 1,499 Shelly Stambach 1,000 Kevin Kyler 719 Erica Fitzsimmons 550 Anthony Sava 1,495 Christopher Earle 1,000 Zachary Lakatos 713 Jamie Winters 550 Jennifer VanKerckvoorde 1,488 Natalie Soboleva 1,000 Kyle Lewicki 700 Allison Cole 544 Anthony Theriault 1,470 Muhammed Ashraf 1,000 Kristina Moore 700 Justin Diaz 543 Cleopatra Sola 1,451 Pamela Altman 988 Patricia Cicerale 700 Damaris Henderson 539 Jamey Haugen a was А a — 1,450 Matthew Cartwright 981 Stephen Giddens 700 Nickoy Hylton 539 Donald Dowbor ЮМ! $ ТШ PATRICK DR ROBERT Kanal CHRISTOPHER RODRIGUEZ 1,420 Allen Watson 975 Bradley Kampmeier 700 Brett Maurice 538 Nicholas Lasala 1,408 Lawerence Smith 975 John McDougald 700 Jonathan Seguin 531 Christopher Kennedy $22,342 $21,150 $20,039 $14,581 $14,340 1,388 Amber Dregalla 971 Badum Maaloo 700 Daniel Toshner 525 Victor Agurto Sabrina Lloyd Sabrina Lloyd Surace-Smith Imran Satti Kyle Johnson 1,385 Timothy Kieran 970 Michael Shaba 700 Kimberly Wenzel 525 Michael Cardoso 1,380 Joseph Kleeb 965 DeAnthonv Hartman 698 Bruce Viaje 525 Michael Coulthard 1,373 Anita Ferris 962 Ryan McIntosh 694 Kascey Williamson 525 Brittney Hawley 1,360 Ashleigh Sweezo 960 George O'Shea 690 Kade Beck 525 Slavita Hut б 1,357 Jonathan Maust 950 Sokol Fazliu 680 Heather Miller 525 Oleg Novitchii February Bonus Payout E $1 Л 54,808 1,355 Thomas Soloweyko 950 Rory Olson 679 Sebastian Kazek 525 Richard Pazak February Bonus Qualifiers: 965 1,344 Bryan Juskiw 950 Kayla Taylor 675 Torrey Hardy 525 Levi Porto 1,344 Alta Herpel 950 Elizabeth Tompkins 675 Lara Wyatt 525 Joshua Rauser 1,340 John Young 950 Michael Williams Jr 663 Dexter Phillip 525 Preston Schmidli 1,332 Atta Saleh 938 Jenna Valentine-Thomas 660 Patricia Fifer 525 Jason von Rosenberg $22,342 Zach Otto $6,521 Ala Awad $3,803 Mark Hileman $2,406 Јаке Yagjian 1,328 Richard Barbour 925 Ronald Lackey 653 Joel Johnson 519 Marta Cunha 21,150 Marian Sertler 6,360 Blake Higuchi 3,687 Matthew Hogan 2,401 Jack Keiderling 1,318 Charley Forshee 925 Emmanouil Paragiou 650 Adem Abdula 519 Oliver Nivaud 20,039 Patrick Bendure 6,278 Emmanuel Villasenor 3,684 Krista Thieme 2,393 Trevor Mayer 1,300 Jenna Grula 925 Herbert Stell 650 Lea Jenkins 513 Edwin Rosa 14,581 Robert Kanaan 6,150 Nicholas Scordos 3,593 John Collins 2,389 Amy Baird 1,300 Michael Russin 919 Alex Kae 650 Vinecia Moore 500 George Connell 14,340 Christopher Rodriguez 6,108 Mark Beckford 3,573 David Rigney 2,315 Taneshia Solomon 1,275 James DePetro 913 Taurean Flournoy 650 Dorothy Niederer 500 Tiffiney Harmouche 14,248 Doreen Ryan-Foti 6,056 John Conard 3,531 Patrick Stenglein 2,275 John Sparby 1,263 Veronica Carrion 913 Jeffrey Gilliana 650 Kelsey Roth 500 Billijo Hawkins 11,603 Erin Allen 5,800 Michael Gerstein 3,505 Drew Sharp 2,275 Joshua Krueger 1,263 London Nelson 913 Jamal Simmons 650 Marie St Germain 500 Kerlens LaRose 11,324 Ryan Ficker 5,616 Jesse Rennich 3,492 Souleymane Bah 2,275 Andrzej Sertler 1,261 Demitrius Lucas 913 Michael Stuver 650 Paul Torman 500 Luaao Leota 11,302 Nicholas Moore 5,612 Adeyemi Akinade 3,365 Rita Haidinger 2,241 Natalie Linker 1,260 Ashley Wenning 900 Pablo De La Cruz 638 Grant Myers 500 Denville Loney 10,445 (fa Tupouniua 5,601 Matthew Turnquist 3,362 Maria Soliz 2,220 John Leggio 1,256 Eric Thompson 900 Carrie Padgett 625 Alix Albright 500 Thomas Longino 10,246 Steve Svendson 5,483 Evan Holzhauer 3,335 Ryan Wilson 2,197 Joshua Cosentino 1,250 Brent Bowling 882 Troy Plummer 625 Patrice Amador 500 Lisa Richardson 10,101 Hal Herman 5,434 Sean Velasquez 3,293 Charles Ferrari 2,138 Daniel Walton 1,250 James Sodan 881 Ramon Velasquez 625 Shelley Duck 500 Benjamin Roman 9,860 Kyle Wrobe 5,413 Patrick Knouse 3,260 Sharif Grays 2,134 Melinda-Rae lyse 1,225 Christian West 875 Nicholas Neari 625 Tarek Elabasy 500 Jason Smith 9,477 Jordan Chalom 5,383 Ransey Vazquez 3,255 Robert Wright 2,085 Shore Brown 1,219 Jean Joseph 863 Jonathan Hobbs 625 Chantel Floyd 500 Angela Torres 9,248 Harold Durana 5,357 Henry Ingraham 3,216 Alexandra Graham 2,075 Patrick Guthrie 1,209 Albert Lau 856 David Thornton 623 Ivonne Goodwin 500 Heather Watts 9,147 Mohammed Moalawi 5,321 Craig Strompf 3,135 Dustin Dunlap 2,075 Nacole Newbold 1,200 Mike lade 850 Robert Drake 613 Kenneth Gipson 500 Melinda Witkop 9,078 Steven King 5,317 Levar Morgan 3,127 Minh Phung 2,075 Duane Shaw 1,200 Dominic Telymonde 850 Niclagulli 613 Geddes Robinson 8,975 Matthew Parks 5,311 Brooke Spain 3,101 Matthew Conrad 2,053 Min Jiang 1,200 Juan Venegas 846 Randy O'Campo 602 Spencer Rowland 8,933 Matthew Diulus 5,231 David Wang 3,092 Dean Jensen 2,053 Darrell Asbell 1,190 Reynolds Akuamoa 838 Alma Lozano 600 Alvin Ali 8,861 Marc Salvaggi 5,146 Melne Lewis 3,082 Zoltan Krecsko 2,050 Christina Meyer 1,188 Dan Ikei 830 Benito Menchaca 600 Janet Buckley 8,694 David Guzman 5,053 Ryan Stenglein 3,060 Kenneth Greer 2,022 Nicholas Engrav 1,161 Melissa Quintal 825 Mark Glazer 600 Cameron Cimino 8,592 Syed Quadri 5,016 Noel Rose 3,050 Porter Balke 2,005 Carl Carlberg 1,150 Daniel Dunham 818 Burnette Hughes 600 Brendon Comeau 8,526 Robert | Smith 4,997 Stephen Jeung 3,043 Michelle Crowe 1,995 Ashlynn Orng 1,150 Tyler McKnight 813 Gregory Graham 600 Paul Cossier 8,398 Bobby Szwaja 4,905 Kody Kramme 3,040 Peter van der Westhuizen 1,950 Robert Schneiderman 1,143 Phillip McElfresh 813 Antonio Ramirez 600 Jordan Kness 8,359 Jameetri Washington 4,631 Herman Fennell 3,026 David Schanuel 1,913 Bilal Farsakh 1,138 John McGrath 800 Katelyn Anderson 600 Kyle Mitchell 8,232 Ryan Giddens 4,564 Christopher Hintz 3,024 Paul Samra 1,831 Lorena Barriere 1,125 Alon Fischer 800 Aldina DaRosa 600 Jamie Schulz 8,201 Michael Musso 4,458 Avi Kauderer 2,947 Tina Phongsavath 1,830 Brandon Minor 1,118 Peter McEnaney 800 Jennifer Holliday 600 Verniecia Shivers 8,079 Ryan Bisanz 4,428 (had Potts 2,922 Mark Kukielski 1,830 Gevorg Yanukyan 1,106 Lalitha Janardhanan 794 Jonathan Phillips 597 Jessica Santamarina 7,959 Mark Dombrowski 4,416 Matthew Wolfanger 2,828 Ariana Jones 1,822 Jeffrey Ha 1,100 Delmy Diaz-Cervantes 784 Scott Davison 594 Matthew Bogle 7,864 Ryan Hall 4,393 Raymond Risucci 2,812 Jinelly Urena 1,819 Scott Montgomery 1,100 Andre Hawthorne 775 Matthew Bell 588 Jorge Alvarez 7,657 Corey Hallam 4,312 Thomas Vena 2,804 Timothy Wilson 1,818 Raf Nawabi 1,089 Alberto Alcala 775 Christian Fahey 588 Brandon Jones 7,541 Daniel Hartwig 4,242 Brian Zuzick 2,751 Magda Figueiredo 1,788 Jillian Rooks 1,088 Ryan Feehan 775 Jeremy Gibson 588 Moli Kaufusi 7,532 Todd Glazer 4,227 Christopher Akins 2,727 Samuel Cohen 1,777 Tara Weisz 1,088 Carey Markoe 775 Menno Glick 575 Javier Diaz 7,528 Justin Adams 4,116 Сага DeFiore 2,636 Beau Locker 1744 Erin Moyer 1,083 Susan Bedrossian 775 Оту Kelley 575 Jordon Graham 7,499 Cynthia Schneiderman 4,097 London Burnett 2,622 SaraVaz 1,725 Ari Bykofsky 1,082 Timothy Buckner 775 Peter Kwiatkowski 575 Joseph Tomanovich 7,313 Andrew McQuade 4,070 Rodney Ward 2,595 Jessica Wilhite 1,713 Mir Khan 1,075 Morgan Lobello 769 Nikolas Moreschi 571 Michael Mandella 7,282 Bobby Gujral 3,982 Alexander Dorey 2,567 Linda Eichelberger 1,705 Tim McAdams 1,075 Julianne Scavo 763 Taylor Foster 569 Christopher Murray 7,019 Joshua Jackson 3,916 Devon Chapman 2,515 Albert Serur 1,688 Steven Rios 1,063 Armando Aiello 763 Rene Ortega 563 Shiwa Hollingsworth 6,970 Arie Davis 3,895 Angel Patryluk 2,514 O'Neil Cooper 1,656 Joshua Crisp 1,063 Jamie Cates 750 Brian Gilmore 560 Gabriela Sime 6,736 Michael Clemente 3,891 Michael Denton 2,446 Duni Olusegun 1,625 Joseph Quattrochi 1,050 Mack Doby 750 Tucker Gregor 556 Kunlin Zou 6,720 Nasr Quadri 3,869 Marisa Willgruber 2,441 William Brookshire 1,624 Michael Vasu 1,050 Abdelaziz Farsakh 750 Angelique Lavaly 555 JonniNg 6,575 Corey Helly 3,852 Liam Flaherty 2,436 Robert Hamilton 1,604 Shawn Horton 1,050 George Kamel 750 Jessica Napiza 552 Christine Jesoraldo

uM DIREGISGODEJHI ELOZTRAMITJIBOMUS:

$5,285 Brandon Cooley

$5,285 Ramon Velasquez 4,144 Carrie Padgett 3,743 Christina Meyer 3,732 Joshua Krueger 3,070 Micah Focken 2,765 Andrzej Sertler 2,683 Joshua Crisp 2,278 Michael Stuver 2,231 Delmy Diaz-Cervantes 2,228 Michael May 2,092 Christian Fahey 1,988 Michael Russin 1,964 Jonathan Seguin 1,907 Pauline Cresswell 1,905 Verniecia Shivers 1,858 Tiffiney Harmouche 1,836 Abdelaziz Farsakh 1,755 Julianne Scavo 1,747 Jonathan Hobbs 1,740 Dan kei 1,639 Eric Thompson 1,637 Christian West 1,582 Angelique Lavaly 1,484 Steven Rios

1,449 Jason von Rosenberg 1,422 Jeremy Gibson

i A

ШИН ИШИП

$4,144

Williams-Zophin

FEBRUARY BONUS LEADERS |

$1,406 1,372 1,365 1,338 1,323 1,307 1,286 1,276 1,258 1,256 1,248 1,239 1,211 1,195 1,172 1,101 1,089 1,070 1,069 1,064 1,057 1,053 1,053 1,001 970 931

Menno Glick Mack Doby

Brett Maurice Michael Licata aylor Black Slavita Hut Zachary Lakatos yle Lewicki George Kamel atrick Guthrie aul Torman Steaphen Richardson rian Gilmore rendon Comeau Enrique Sandoval oseph McCallister atelyn Anderson illi Jo Hawkins Kelvin Fernandez icholas Neari ablo De La Cruz Matthew Caternolo ascey Williamson aylor Foster Michael Coulthard Kevin Kyler

CHRISTINA MAYAR

$3,743 Sabrina Lloyd

JOSHUQ ШШ

$3,732 Richard Correa

February Bont |

February Bonus Quali

ames Sodan

Peter Kwiatkowski Christopher Pabon Duane Shaw

Lalitha Janardhanan Dominic Telymonde Kristina Moore ebecca Warrington Chantel Floyd

enna Grula

obert Schneiderman Ernest Patterson Samuel Geissinger Melissa Foy

edro Vazquez Armenteros onald Lackey Glenn Hampton Denville Loney Melinda Witkop Adam Boggs

homas Molinski Kerlens LaRose Edward Crocker

ohn McDougald Christopher Asbury ames Harding

: ` Wa ШШ

$3,070 2асһагу Нагї

ordon Graham Casey Hayes Emmanouil Paragiou elores Aguilera Carey Markoe

Eric Credle

Erin Moyer

enna McGowan imothy Jones Veronica Carrion Luaao Leota

awei Liu

hillip McElfresh iffani Ronda

arek Elabasy

Alvin Ali Matthew E Smith erek DeProspero ory Olson Vincent Nicastro George Connell Nic lagulli

Ceaser Silva uan Venegas

— bu g JOSEPH B SMITH $1,875

Simon Arias

bd ШШШ

$1,517 Соһеп-Соһеп

$3,431 Don Foti

$1,401 Surace-Smith

February Bonus !

February Bonus Quali

$3,431 Sami Mogannam $1,057 Joseph Faisant $721 O'Neil Cooper 1,875 JosephB Smith 964 Tracie Bettencourt-Mejias 700 Christian Ortiz 1,517 Ronald Rivera 905 Mitchell Look 691 Vanina Strickland 1,401 Bradley Weigand 801 Benton Tong 638 Matt Flores 1,253 Herivelto Pereira 773 Maria Ramirez 590 Richard Walus 1,166 Loraine Patterson 722 Timothy Byrnes 565 Nadira John

WORLD'S GREATEST LEADERSHIP

$1,154,808

SA/GATRAINING $167,943

$1,362,640

All qualifiers listed achieved at least $500 in bonus totals

$562 558 520 518 517

ШЇ PEREIRA

$1,253 Don Foti

Dason Phaul Max Quasem Corey LaVigne Douglas Zigby Mike Allen

2,730,057

REINSTATEMENT

Let’s talk about the challenges you face 39 every day you are out in the field: no-shows,

“one-leggers” (when only one of two decision

makers is available), can't afford it, or want to think about it. Are these controllable activities?

Most likely not. If you plan your week with the

** DOLLAR CLUB

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

things you can control, good things can hap- pen. What can you control? You can control scheduling appointments, seeing people, i.e., door knocks, asking for referrals and asking for the sale. Outside of your attitude, those are the main things you control. If you do enough of these controllable activities, fluctuation in your paychecks will be minimal.

How much planning goes in your week? Do you set your schedule like a job or a career/ business owner? Are you relentless in your approach to have the best week possible? Are you doing door knocks between appointments and/or no-shows? Are you re-scheduling the

appointments you couldn't get to for the next

field day? Do you have a minimum of 6-8 pre- sets coming in to phone night?

Altig-Orlovic Agency Steve Friedlander Agency Zachary Hart Agency

Contract Date 04/09/05 Contract Date 02/12/09 Contract Date 03/28/01

, cn Qualified February of 2015 Qualified February of 2015 Qualified February of 2015 Aw $1,006,403 of Net ALP $1,006,313 of Net ALP $1,003,407 of Net ALP to control your life. Do you realize a baseball

> A i player fails 7 out of 10 times he is up at the

bud ү 1 plate, but is considered a Hall of Fame caliber

р, ^as, rd player? The difference is that he is up at the

a Cy : oe plate taking swings for success. That is the A - activity you control!

А =. л What's the adversity you face if you don't

а =й = a have the activity you need to have a successful

A week2 Lack of chance to sit in front of people

Sometimes all the challenges and adversitv you face is on you. You cannot allow setbacks

Michael van Delft

Imran Satti

4th Qualification $99,271 Net ALP 88.3 Ret

that need insurance. Less chances to make a sale. ч On \ф., ч

February Qualifiers — Outstanding Producers & PR Representatives:

Dustin Dunbar

Altig-Orlovic

8th Qualification $88,351 Net ALP 97.4 Ret

ro.

Lesina Ah Sue

Steve Friedlander 6th Qualification 1 $70,185 Net ALP

8 .-

George Kamel

Surace-Smith 2nd Qualification $67,782 Net ALP

Steve Kafkis

O ONE EVER SAID THE LIFE IN- surance business was easy. If it was

easy, everyone would do it, or they

would pay you minimum wage to do it. We have to convince someone to buy something they cant touch or feel. As we all know, we dont just sell products to people; truly, what we do is sell peace of mind. It's peace of mind that the family will be taken care of during the most difficult, emotional and financial times. This is why we get paid so well.

Like I said, it's still not easy. It's all in the mindset with which you approach this that can make it easy or difficult. You decide.

For the last 20 years I have been in the business, I have never considered myself a salesperson. I have always considered myself a consultant, an advisor to the client. Do you consider a doctor a salesperson? If not, why? There is a transaction being done every mo- ment you are in a doctor's office, but you don't see it or pay attention to it. Why? Because the doctor is trying to find out what's wrong with you so he can fix the problem. Well, we do the same thing. We do fact finding so we can properly diagnose a client's situation and come up with a solution to fix the gaping holes that exist in their financial plan.

So with that said, I consider ourselves to be doctors too. I believe there are 4 kinds of doctors out there: there is your medical doctor, your tax doctor, your legal doctor and your in- surance doctor. But if something catastrophic happens, we are the only ones that will bring a check; everyone else will give you a bill... this is the power of what we do!

Minimal chances to make the income you need.

Why do this to yourself when you can have a higher probability to control the situa- tion? The biggest mistake agents make is when they have a good production week with less activity... and think they can do it again the following week. That’s the kiss of death in our business. 'The constant always needs to be the things you can control, not the shortcut you want to take to being successful. There is no substitute for hard work. Hard work pays off in the long run. There are no shortcuts to success. If there are, they are short-lived, as we all have seen in the past.

Theres more than half the year left to make a great impact for ourselves and the cV Company toward the goal of $200 million ALP. Lets make a commitment to give 110 percent in what we do to be successful. It's up to us to control our own destiny by doing the things we ultimately control to have the success we all believe we deserve! e