my end-of-year thoughts turning to Roger and his legacy to American Income and Na- tional Income Life, as well as what lies ahead. The combination of the holidays and the end of another year tend to make us all a bit more thoughtful as we prepare our minds and hearts for a new year. I have been blessed to know Roger per- sonally and privileged to have had the ben- efit of his one-on-one mentorship, but long

before that, I looked up to and respected his :

position. I remember going on stage at Con-

OF A HERO

i vention as an MGA and whispering in his : : ear, “You don't know me, but someday you : will” That could have gone either way, but I : : worked very hard over the next several years | oak tree, but always knew how to make me : to earn the right to have him recognize me by | t paraphrase the Shaolin master from the old

; my accomplishments. : : Kung Fu TV show: When you can take the

When I became a State General Agent, I

: learned firsthand that Roger has a unique way | : of getting you to work harder and accomplish : : more than you would have if he hadn't had an : influence on you. John Maxwell says that great : leadership is influence; nothing more, nothing : less. No one can question Roger's influence on : > this Company or that he has earned the right : : to be called a great leader.

SUPPOSE IT'S NATURAL THAT I FIND | : the ability to recognize qualities in others they :

Another characteristic of a great leader is

: themselves do not see. That was certainly the ; : case when Roger first spoke to me about the : cess that would not have been possible without

: possibility of being his successor. I can't even

: those qualities! True, I had led a pretty suc- : cessful SGA office but, in my wildest dreams, ; never did I even consider that Id be offered the i : chance to lead this great, great company. I was : flattered, of course. I was also incredibly naïve ; about exactly what being CEO of AIL/NILICO : : actually entailed.

For the last two years, I have been Roger’s

: shadow as he generously and patiently poured

into me. He has been strong and firm like an

bend in the wind without breaking me. To

pebble from my hand, grasshopper, it will be time for you to lead. Roger has done an in-

: credible job of keeping me out of my comfort : zone which has given me the ability to lead ; with confidence.

Nobel Prize winner John Mather once said

: that a mentor enables a person to achieve, but : a hero shows what achievement looks like. By : this definition, I can certainly say that Roger

has been so much more than a mentor to me. He has led me and many others to levels of suc-

; his leadership. The culture of our Company, : be sure anybody else but Roger actually saw : the very foundation of who AIL/NILICO is : has shown the industry what achievement and

: success look like.

Roger, thanks for everything, but especial-

: ly for being a hero to us all. @

SPOTLIGHT

www.arc.ailife.com/arc/spotlight A monthly publication spotlighting top producers of American Income Life and National Income Life

MANAGING EDITOR

Sam Yarbrough / syarbrough@ailife.com

WRITER & COPY EDITOR Leah Fry / Icfry@ailife.com GRAPHIC DESIGNERS Mikailah Clark / mlclark@ailife.com Maggie Hill / mmhill@ailife.com Cal Slayton / cslayton@torchmarkcorp.com

CONTRIBUTORS Robyn Allen, Becky Brown Krystal Castro, Wendy Copeland Karen Curtis, Lana Giebe Angel Henderson, Tracy Hightower Mary Lampert, Jennifer Lavender Johnny Matthies, Chris Melton Muñeca Moody-Yanez Pat Nevarez, Christina Speasmaker Tonia Stonum, Andrew Wesolick Rhonda York

Spotlight 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.

HOME OFFICE 254-761-6400

WEBSITES www.ailife.com www.hilife.com

www.AlLLaptopOnDemand.com www.NILICOLaptopOnDemand.com www.ailacademy.com

SOCIAL MEDIA © www.twitter.com/AIL_NILICO E) www.facebook.com/AIL.NILICO CJ www.youtube.com/AILifeTV

RECRUITING SUPPORT

www.ailife.com/recruiting

ICO,

SGA Career Track New Markets Opening & Expanding!

ALLAJ DECEMBER 2017

b VOL. 50 NO. 12

$ 4 There is a growing need for ambitious leaders. AIL/NILICO is looking for MGAs and J 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, 2017, to be eligible for bonuses and be featured in Spotlight, Producers must meet the required Retention or the minimum Net to Gross. Net to Gross varies based on bonus guidelines and is used only during the Producer's first nine months. The rates listed are for Spotlight recognition only.

Dates to Remember

Retention: 72.0% Netto Gross: 80%

eApp business and paper applications subject to the 7 day hold should be uploaded or sent to Home Office by Wednesday 1/24 before 2:00 p.m. CST. Paper apps excluded from the 7 day hold and PR credits should be received at Home Office by Friday 1/27. eApp business excluded from the 7 day hold should be uploaded by Wednesday 1/31 before 2:00 p.m. CST

to count for January production.

eApp cutoff has been extended to 3:30 p.m. CST every Wednesday, Thursday, and last day of the calendar month to allow more business to load before the weekly advance and end-of-month AP&P cutoff. All other days of the week remain the standard 2:00 p.m. CST cutoff time.

($5,047,742

in total bonuses were paid out this month by AIL and NILICO. For more information on the monthly bonuses, turn to Page 34-41.

Record Breaker

E = X ABDELALKURDI

i-- Record breaker for shortest qualification P. duration for both 1 Million Dollar Club & 2 Million Dollar Club

Download the Spotlight App

A digital publication spotlighting top producers of 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 2018 Awards Presentation are: the top SGA from each category based on Performance Factor with 100% minimum, the top two RGAs, the top five MGAs, the top five GAs, the top five SAs, and the top ten Individual Producers, the top PR Representative from each category, and the top PR Manager from each category. View the 2018 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 Gaylord Palms Resort in Orlando! The convention will be held June 24-27, 2018.

Update

Close 7 to the Heðrt

1 m LAS VEGAS, NEVADA 2 MM ee Me ona 7 | | | ] AIL, in partnership with the Corey Neff SGA office, donated $5,000 to Three Square, U! Se RRaBa “eseeesienu a food bank that is part of the Feeding America network. Because of a local match-

ing sponsor, this donation was doubled, enough to provide 30,000 meals.

Corey presented the donation to Ryan Widdis, Development Officer of Three Square. He said the reason they chose to support this organization is, "Hunger is something that is often overlooked by those who aren't directly affected. Three Square distributes to all area food pantries; this ensures that all areas of our com-

E = a ee. ee ; | 3 i gs eser ca] munity are reached.” s à - ! | Three Square and Feeding America estimate the number of food-insecure persons

Current Contest Leaders zi 5 ; vx. T Ta in the Las Vegas area to be more than 279,000. Food insecurity occurs when people

aren't able to secure enough food for a healthy diet and active lifestyle, at some point during the year.

STATE GENERAL AGENTS

Zachary Hart $1,843,865 $712,713 38.7% Giglione-Ackerman $1,563,067 $270,514 17.3% Dustin Venekamp $443,922 $144,262 32.5% Hart-McCallum $322,350 $120,153 37.3% Johnson-Nelson $77,832 $23,864 30.7% Ryan Bisanz $29,792 $24,316 81.6%

MANAGING AGENTS PERSONAL PRODUCERS PUBLIC RELATIONS

Ryan Fickert 77 $655,491 Al Alkurdi $182,644 David Scalisi 193.13% Mark Dushaj 15 $353,864 Joshua Dishong $116,429 Malka Arony 170.27% DeAnthony Hartman 6 $54,408 Susan Bedrossian $113,453 Sue Akers 169.49% Alma Lozano 12 $48,430 Katie Massart $90,601 Elif Atici 350.37% ad idi 6 IE ee ae hae cum ui ira 3202596 Donation to The Youth Connection Donation to Life Challenge Ministries Adam Chesney 6 65,130 Muhammed Ashra 82,242 Randy Stockley 283.39% Dario Messina 3 $61,197 David Ruhara $81,663 Carmella Swanson 120.69% Priscila Gonzalez 1 $55,014 Michael van Delft $80,593 TROY. M l CH IGAN Chad Panzer $79,234 , Roghie Hassan Loo $73,820 Tre Jer $73,745 AIL, in partnership with the Zach Hart SGA office, donated $5,000 each to Life Challenge Ministries and The Youth Connection. m RE ee Life Challenge is a one-year, faith-based residential rehabilitation center for people struggling with drug, alcohol and other life-controlling ad- Ein ms dn dictions. According to Zach, "We chose this organization because they are based around something that we believe in strongly: second chances. Aecem dE $67,273 People make mistakes and they fall down but greatness is found in getting up over and over again until you succeed.’

The Youth Connection is dedicated to youth development programs including life skills training, career development, substance abuse preven- tion, nutrition and exercise, academic enrichment and more. “In 200 years it won't matter what car you drive or how much money you have; what

matters is making a difference in the lives of the people you touched,’ Zach explained. PLEASE NOTE: Alaska Six-Month Contest period is business or cards received and processed by Home Office between October 1, 2017 and March 31, 2018. Contest results show top people in each qualifying category. For full contest details and minimum production / original card requirements, visit arc.ailife.com or arc.nilife.com.

OF SERVICE

13 YEARS OF SERVICE Sue Akers, PR. 12 YEARS OF SERVICE Simon Arias, SGA Theodore Greer, AGT

STATE GENERAL AGENT Nicholas Moore

Nicholas Scordos

Syed Quadri

REGIONAL GENERAL AGENT Christopher Bennett

Alexandra Berberich

Joshua Dishong

Matthew Ficarra

Jacqueline Kabluyen

Garret Kun, AGT

Melissa Losk, AGT

11 YEARS OF SERVICE Alberto Alcala, MGA Mario Andres Chavez, GA Blake Higuchi, MGA

Erin Moyer, AGT

10 YEARS OF SERVICE Robin Denham, PR Jamison Weatherspoon, SGA 9 YEARS OF SERVICE William Charnow, AGT Hal Herman, MGA Joshua Olin, RGA

Joey Sales, AGT

Amr Shater, GA

8 YEARS OF SERVICE Jared Cleckner, MGA Amanda Cross, PR Alexandra Graham, RGA Christopher Hintz, RGA Bruce Tan, MGA

7 YEARS OF SERVICE Jose Carvajal, SGA Cameron Cimino, GA Nina Dolman, AGT

Michelle Martinez Aviles Mark Neilson

MASTER GENERAL AGENT David Chen

Deserick Davenport David Fiscu

Tony Geer

Joshua Goodman

Jon Houser

Glyn Hurst

Justin LoPatriello

Kevin Lowery

Haneefah Morehead David Orrico

Mike Paragiou

Daniel Pettit

Ronald Rivera

Juan Rivera

Antonio Evans, GÀ

Holland Harriss, PR

Andre Hawthorne, MGA Corey LaVigne, AGT Shahab Mahdavinejad, MGA Carmela Pellen, AGT Brandon Summerton, MGA Ashley Wenning, MGA

6 YEARS OF SERVICE John Conard, RGA

Nicki Griffiths, MGA

Robert Janev, RGA

Jean Joseph, MGA

Gregory McDuffie, SA David Rigney, MGA

Scott Wheeler, MGA

5 YEARS OF SERVICE Matthew Bogle, GA

Brent Bowling, GA

Corey Helly, RGA

Emily Heron, GA

Brittni Kwiecien, GA

Tasha Marker, AGT

John Nieves, MGA Christopher Rodriguez, MGA Joshua Rush, SA

Melinda Skinner

Jose Viramontes

60% GENERAL AGENT Jason Ashline

Lawrence G Dennis lonatan Fiscu

Mario Hajro

Avi Kauderer

Andres Morales

Lisa Mosley

Payam Sami

Benjamin Twerskoi

Tom Weller

Shantayia Williams 57.5% GENERAL AGENT Danyal Alian

Matthew Chen Mamdemba Faal

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a> > €

"Au wae ee. oe

Joseph Tomanovich, MGA 4 YEARS OF SERVICE, Azar Afnan, GA

Jordon Barron, MGA Evelin Castro-Sharif, AGT Shalom Chaimov, MGA Marc Demilia, AGT

Hugo A Flores, AGT

Irma Gallardo, AGT Tiffiney Harmouche, SA Jamil Harris, SGA

Travis Kovach, GA Anthony A Lopez, GA Badum Maaloo, AGT Daniel Martinsen, SA William Soulier, MGA Dominic Telymonde, MGA Paul Torman, SA

Jinelly Urena, RGA Alexander Wood, MGA

3 YEARS OF SERVICE Sarah Acker, GA Shannon Brown, AGT Athea Buchanan, SA

Eric Butt, GA Christopher Credle, MGA

Miguel Fajardo Doron Freud Hannah Holmes Christopher Jackson Michael Joseph Margaret Mixon Risa Moniz Dwayne Nabors Narciso Nieves Skay Nusenu Deborah Paredes Chelsea Peacock Aaron Piotrowski Aleksandra Rakovic Angela Rodriguez Heather R Smith Rosemary Soto Iffrah Tahir

FAUUWUCMSEOUMUAS

Deserick Davenport, MGA M'chel Helgeson, PR Christina Jauch, MGA Sergio Joaquin Haro, AGT Hannah Linderholm, MGA Sharon Manning, AGT Anastasia Martens, SA Glenn Martin, MGA Terrell Milton, AGT

Risa Moniz, GA

Jackie Okimoto, SA Roger Rau, GA

John Sloan, AGT

Michael Spann, AGT Michael Trinh, MGA Steven Warner, RGA Joshua West, MGA Zachary Whipple, GA Greta Wilson, AGT Jeffrey Witherall, GA

2 YEARS OF SERVICE Timothy Begley, SA Daniel Chousa, SA

Mark Dushaj, MGA Rawad Elghadban, SA Seth Frisby-Jack, SA

55% Heriberto LC Clark Lauren Delzeit! Tanya Dodson Paul Draper Xavier Eutsey Sarah Fulp Diana Karch Swann Moore Christopher Parker Elizabeth Posada Janaye Powers Brandon Robinson Charon Robinson Ethel Shields

Jacob Giangiuli, GA Charles Gotcher, AGT Sara Kamalvand, GA Vassilios Katos, AGT William Krekeler, SA Mark Lahijani, GA Pedro Lemos, MGA Kory Louvelle, AGT

Felipe Machado-Santanna, MGA

Monica McKinney, GA Jason McNett, AGT Hector Mendez, MGA Claire Morgan, AGT Mark Noel, SA

Michael Novosel, GA Eli Parra, SA

Reuben Paygai, GA Nada Pennington, AGT Zonia Ramirez, GA Johny Remy, AGT

Sara Rostamijalilian, MGA Del Roule, SA Leamber Saffold, SA Anthony Savinon, SA Sashia Veerman, GA Revawn Wilson, SA

1 YEAR OF SERVICE Allan Allas, SA

Zomai Apetor, SA Claudia Arango-Manley, AGT Mabel Balbuena, AGT Armando Benitez Ojeda, SA Bethelihem Beyene, SA Wadnerson Boileau, GA Andrea Borjas, SA Elijah Brown, SA

Jacob Brown, SA Rechel Brown, SA Carson Burrell, SA David Buttle, AGT Marina Capel, AGT Stephen Coons, GA Desmond Cowan, SA Eduardo Cruz, AGT Edwin Delgado, GA Debora Diaz, AGT Giovanni Diduro, SA Jeremy Doucet, AGT David Druetzler, SA Emin Efe, AGT

Barbara Escalante-Martinez, SA

Steven Feiler, AGT

Elena Flores, AGT Michael Foret, SA Stephen Fougere, AGT Rachel Fox, AGT Kimberly Free, GA Zane Garcia, MGA Richard Garcia Penaloza, AGT Pratibha Garud, GA Nicholas Glennon, SA Kanella Glimenakis, SA Enida Gobeljic, AGT Steven Green, SA Kareen Griffith, AGT Joseph Harnden, SA Colin Hill, SA

Mariah Himes, AGT Olja Holovcuk, SA Shavorne Hudson, AGT Albert Huff, SA

Darius Hunter, SA Barbara Isaac, AGT Matthew Japhet, GA Jamie Johnson, AGT Tyler A Johnson, AGT Jacqueline Kabluyen, MGA Tyson Kiertucki, AGT

John Kostek, SA

Cody Langston, MGA Bridget Lasley, SA Courtney Lavitch, SA Lisa Leathers, AGT Preston Lewis, SA Alexandra Lipari, SA Moraima Mariscal, AGT Jadwiga Martins, AGT Sarah-Jayne Mathieu, AGT Arynne McCarthy, SA Terell McDonald, SA Mary McMullin, GA Brandon Mendez, SA Dustin Nispel, AGT Dora Northcott, AGT Stefan Pavicevic, SA Clint Perry, SA Christopher Ramsay, AGT Robert Rangel, AGT Mizhraim Rivera, MGA Daniel Santistevan, SA John Santosuosso, SA Nathan Sanzo, AGT Joseph Schleicher, SA

Abigail Sewald-Naeser, AGT

atricia Santamarina -

"Y. Di

+ ? P NM ~ Thomas Wiechert - Revawn Wilson

Brandon Simmons, AGT Nicholas Sinishtaj, AGT Halima Smith, SA Robert L Stevens, SA Joseph Tchume, AGT Stephen Thomas, AGT Melinda Tolliver, AGT Eric Underwood, AGT Christian Williams, SA Tiffany V Williams, AGT Anastasia Wilson, AGT Braden Wiscombe, SA Kevin Wolfe, MGA Kelly Yingling, MGA

Crewe White

Susan Fuldauer

Vice President of

c Relations Field Operations

S WE CLOSE OUT 2017 AND LOOK : : ing a sense of outrage at injustice and assaults :

ahead to 2018, we begin the next chap- ter for AIL/NILICO. We will say fare- well to Roger Smith and wish him and his fam- ily many blessings as he enters his next chapter. Very intentionally and mindfully, Roger led us to growth during his time as CEO, beginning each year with a carefully crafted theme. We had LET'S RIDE, SHIFT, IT’S TIME, DO IT NOW, MAKE IT HAPPEN, MAKE A DIF- FERENCE, IMPACT, LEGACY ... and more. Roger has a keen intuition and knew just

the right theme to kick off each new year of :

growth. It's been Rogers intuitive, visionary leadership that grew AIL from $56.5 million in Net ALP written in 2000 to where we are now:

: approaching $250 million of Net ALP. His : vision for 10,000 agents has brought us from : : 1,400 agents in 2000 to more than 6,800 by the i : end of this year.

: It is the steadfast belief and holding true : to the core values begun by Bernard Rapoport :

and carried on by Roger that sets us apart : from every other insurance company. Keep- :

* against workers’ rights, supporting fair wages : : and the importance of collective bargaining | : have kept us aligned with the labor movement : : and the working family agenda supported by : : labor and progressives. Always consistent in : : our message of “doing good for working fami- : : lies? Roger held fast to the legacy he inherited. : He never shied away from what this company : : stands for: walking pickets, speaking on be- : half of what's right for working families and | against the onslaught of attacks on working : : families over the years and, above all, giving | Í back to our communities. His leadership kept : AIL always at the ready to make lives better for |

: workers and their families through support for

public health care, living wage increases, the right for workers to organize, support for pub-

lic services to remain public — all good pol- : icies that support working families and keep

communities strong.

The transition of the legacy torch to Steve Greer will be seamless when it comes to the support for AILs public policy positions begun long ago and carried on by Roger. Steve has a tremendous understanding and vision for AILs place as a friend to labor, working families and positioning AIL as a corporation that brings a strong progressive voice of reason into these

: all-important conversations. While our past, : present and future path has been and is be-

ing created and driven by powerful, visionary

; leaders, it is incumbent on all of us to take the

lessons from the past and begin shaping the fu- ture. Our legacy will continue uninterrupted.

Together we are stronger and we say loud and clear: HERE WE COME! @

AIL Home Office’

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Food for Families

OR THE EIGHTH YEAR IN A ROW, AIL HOME Office employees participated in Food for Fami-

lies, the largest one-day food drive in Texas. AIL's

64,578 pounds was a huge part of the all-time record of 1,870,904 pounds of food collected this year (up 30,000 from the 2013 record). The food will be distrib- uted among nine food pantries in McLennan County

Food-raising events this year included the 3" Annual CanStruction competition, which always spawns creative participation among various de- partments in Waco. First place went to Customer Service with their Emerald City, and Agency Ad- ministration took 2^4 place with a castle. There

were t-shirt sales, a silent auction, food chal- lenge days, weekly luncheons and more, all of which benefitted the cause of eradicating hunger

in Central Texas.

This year's theme:

HUNGER IS COMING

Monique Safari Jeffrey von Kienast Yamid Mendoza Sanchez Gustavo Avila Nards Buncianu Young Lee

Narciso Nieves Alain Abaya Baldemar Barrera Brian Brantner Matthew Buttaro Bryanna Campos

Jeffrey Espinal Adam Kidikas Jeffrey Hudson Jeremy Engrav Muhammed Ashraf Landon Schlag Brandon Mogel Megan Johnson Alexander Johnston Azar Afnan

Mario Andres Chavez Edwin Delgado Steven Rios Timothy Stewart Mickey Adkins Taylor Black

Kristen Brown LaDelus Brown Brandon Crosby Bobby Davis

Ariel Demesa Anthony Ferraro Taurean Flournoy

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Theodore Pappas Michael Vasu Zachary Hart Chris Hernandez Theodore Pappas Richard Correa Chris Hernandez Michael Vasu Oldham-Gryska Zachary Hart Don Foti

Zachary Hart Sabrina Lloyd Laura Fisher Zachary Hart Giglione-Ackerman Michael Vasu Jeremy Welch Zachary Hart Jeremy Welch Giglione-Ackerman Laura Fisher

Kyle Johnson

Tiffany Carlson

Skylar Chauvin

Vanessa Cohen

Karen Salek-Cuzmar Gian-Paolo Diberardo

David Duddy

Keith Dymnioski

Shanita Ellmers

Barbara Escalante-Martinez Ashley Gallegos

Joseph Gojcaj Courtney Griggs

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Sina Heak Chirotam llokwu Joshua Jahnish-Maltese Ariana Jones Sara Kamalvand Andrea Kessler Karen Lamey Danielle Morales Dylan Murphy MandaleTolefree Jose Viramontes Eric Watson George Alamo Derron Alexander Hilary Arsenault Raymond Baham Sharon Barnes Steven Barton Kevin Butchino Candi Carlisle

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Alectra Kelley Orby Kelley Zachery Kertulis Joshua Lynch Connor McCollum Ronald McCormick Dario Messina Marta Muniz Carman Parker Aaron Patt Andrea Petty Aaron Piotrowski

Matthew Castelli Denis-Michael Catalano Stephen Coons Charisma Dezonie Rachel Elfenbein Cara Griffin-Locker Jackson Hamilton Evelyn Howell Andrew Hynan Jennifer Jaikes Carlin Kaufman Fran Kolos

Angela Landry Bryant Logan Thomas Longino Alipate Makaui Steve Marker Christopher Muraca Edmaggie Myrthil Brandon Neal Robert Nolan

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Matt Henderson John Young Jamison Weatherspoon Altig-Orlovic Simon Arias

Chris Hernandez Giglione-Ackerman Joseph Diecedue Philip Prata Michael Vasu

Steve Friedlander Altig-Orlovic Albert Serur Theodore Pappas Zachary Hart Zachary Hart Surace-Smith Giglione-Ackerman

Joseph Pizzoferrato Brandon Robinson Clayton Slaughter Paul Slusser

Evan VanErp Christopher Visnesky Colin Weathers

Celia Westrick Antoinette Williams

Anthony Padilla Jimez Parker

Minh Phung Alejandro Pineda Daisy Pyeatt Aleksandra Rakovic Roger Rau

Damion Rayam Joseph Rotolo Brandon Schweitzer Susan Scott Garrett Shelton Matthew Simon Anthony Theriault Arthur Trost

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Mark Dushaj Nicholas Engrav Matthew Tumquist Mahadai Kryshundayal Steven Baum

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Sean Velasquez Kelly Yingling Doreen Ryan-Foti Marian Sertler

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NEW ASSOCIATE

Paul Zuzick Jordon Barron Andrew Batten Andre Bent Jason Bratin Elyse Bryan Joshua Crisp Joshua Dishong Charles Ferrari Charley Forshee Roger Fung Jeffrey Hall DeAnthony Hartman Daniel Hartwig David Hausman Christopher Hintz Niclagulli

Marissa Cunningham

THE MINIMUMS FOR RECOGNITION ARE:

Laura Fisher Jeremy Welch Michael Vasu Bob Olson Simon Arias Souley Bah Zachary Hart Surace-Smith

Jeremy Welch Mathew Hart Albert Serur Zachary Hart Surace-Smith Giglione-Ackerman Altig-Orlovic

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Francis Ingulli Daniel GJohnson Paul Kelly

Patrick Knouse Morgan Lobello Saul Lopez

Alma Lozano Demitrius Lucas Melinda-Rae Lyse JanetQuintana Christopher Rodriguez Alex Roland

Sara Rostamijalilian Barbara Seyoum Trevor Tollefson Ashley Wenning Tyler Worstell

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RECRUITINGPROGRAM

TOP PAYOUTS

TOTAL PAYOUT: $487,265 TOTAL QUALIFIERS: 786

Elvis Tinaj

$8,530 Zachary Hart

NAME TOTAL Elvis Tinaj $ 8,530 Casey Jarratt 7,657 Joel Scullin 6,540 Mark Dresaj 5,776 Martin Sinishtaj 5,763 Christian Gojcaj 4,964 Joseph Gojcaj 4,765 Linda Lucaj 4,222 Samuel Boyle 44150 Jesus Romero Capote 4,071 Abraham Esquivel 4,034 Cody Mendez 3,824 Rennie Ayers 3,636 Kastriot Useni 3,551 Nikola Gjurashaj 3,411 Victoria Lammey 3,338 Nicholas Lantieri 3,330 Zachary Funkhouser 3,005 Mandeep Singh 3,000 Paul Vassallo 2,715 Shai Mate 2,562 Steven Templeton 2,451 Arturo 2,423 Rodriguez-Esparza

Mark Dresaj 2,250 Sanaz Mirza Baig 2,219 Kesia Shine 2/129 Aaron Lammey 2,110 Jacob Merrill 2,026 Marianne Rafeedie 2,000 Ransey Vazquez 1,914 Tiffany Beadnell 1,910 Nydia Ortiz 1,896 Emil Kirubaharan 1,886 Corey Lumley 1,730 Avery Hearn 1,721 Clint Perry 1,647 Scott Wheeler 1,600 Faamasinoga Eneliko 1,597 Alectra Kelley 1,576 Christopher McNulty 1,550 Luke Skotnicki 1,546 Celia Westrick 1,530

Casey Jarratt $7,657 Altig-Orlovic NAME TOTAL Russell Erhardt $ 1,514 Normita Armstrong 1,512 Denzel Covington 1,505 George Shafiek 1,496 Vanessa Forouzan 1,494 Ryan Misner 1,486 Patricia Contreras 1,471 Veronica Velez 1,458 Stefeny Butler 1,452 Walter Icaza 1,447 Ashley Hutson 1,447 Penny Davis 1,426 Jakendrick Kidd 1,417 Kendall Wilson 1,412 Keith Williams 1,396 Joel Hernandez 1,377 Wilnes Chery 1,367 Kyle Wagner 1,366 Renay Patterson 1,349 Sonja Monteiro 1,347 Noelia Capellan 1,325 Reid Certilman 1,310 Milija Perkovic 1,310 Rebekah Williams 1,307 Tates Megan 1,306 Vanvipha Sugai 1,297 Somaly Santos 1,287 Ernest Obidike 1,285 Michael Neuendorf 1,262 Daniel Walker 1,260 Ryan Ohm 1,241 Candace Minor 1,238 Robert Torres 1,237 Roscoe Melissa 1,235 Bethany White 1,222 Bethea Owens 1,216 David Carpenter 1,213 Robert Hooper 1,208 Jalyn Jones 1,204 Michael Carlson 1,203 Iris Saavedra 1,202 Li Esquivel Gutierrez 1,201 Loua Farunia 1,191

Joel Scullin

$6,540 Zachary Hart

NAME TOTAL Rani Simpson $ 1174 Seth Frisby-Jack 1174 Paige McCladdie 1158 Aaron Haynes 1157 Luis Ruiz 1154 Daniel J Johnson 1151 Bahram Firoozbakhsh 1145 Bencosme Mikhail 1137 Danh Bui 1136 King Haley 1133 Melaina Hughes 1132 India Carmon 1131 James Keefer 1131 Cullen Alaina M 1131 Jose Viramontes 1118 Jennifer Jaikes 1116 Emil Gamidov 1115 Patrick Rieger 1113 Maura Keaney 1111 Sebastian Correa 1109 Mendez

Sean Currie 1107 Jasmine Shoemate 1106 Daniel Rivero Basulto 1106 Tiffany Cynar 1101 Mack Hanna 1,099 Jules Julien 1,098 Patrick Radcliffe 1,098 Jeniffer Morales Soto 1,092 Valentina Martinez 1,089 Krystal Cox 1,088 Tyler Townsley 1,083 Courtney Knowles 1,080 Kevin Johnson 1,079 Monica Wyche 1,077 Mamdemba Faal 1,072 Drew Kier 1,069 Britton Costa 1,068 Michael Mandella 1,064 Jessica Mays 1,057 Narciso Nieves 1,047 Joshua Hammond 1,031 Francisco Vasquez 1,029

282

Mark Dresaj Martin Sinishtaj

$5,776

Zachary Hart

NAME

Skay Nusenu Brackin Flitton Nolan Krause Treasure Moore Corey Plemons Sara Rostamijalilian Edward Alao Nicholas Atallah Kristal Barlow Chelsey Claxton Marilyn Dodsworth Dominic Facchini Alexander Faneites Garcia

Danita George Baboo Gopaul Shanda Harrison Nathaniel Jackson Mohammad Khan Won Kwak

Erjon Muco

Irvin Santana Sarah Scheib Samantha Sosebee Melisssa Tellez Julia Thomas Stacy Tinsley Vincent Workman Matthew Blue Jeremy Mullins Sumedh Basani Elizabeth Vega Angeline Harper Frederick Cruess Amelia Moeaki Myaa Fallon

Angel Martinez Brenda Chavarria-Sanchez Lorena Avila

Abel Foronda Brian Loschiavo George Lahamedjian

TOTAL $ 1,029 1,027 1,024 1,018 1,007 1,001 1,000 1,000 1,000 1,000 1,000 1,000 1,000

1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 996 969 957 954 952 949 939 939 923 920

907 887 881 881

$5,763 Zachary Hart NAME TOTAL Kyla Greig $ 876 Diana Genao 875 Victor Beltran Calderon 870 Devin Husband 869 Jasmine Gomez 858 Christopher Botelho 856 Francisco Silva 854 Josh Bloomquist 854 Benjamin Varner 853 Trey Moran 851 Jason Holmberg 851 Antonio Flores 850 Alexander Rollo 837 Rex Munsey 832 David Staffiery 831 Regina Ipina 830 Michael Battaglio 828 Ashley Gallegos 828 Joseph McCallister 825 William Andes 823 Victor Ramos 821 Katrina Collie 808 Courtney Lavitch 806 James Marks 800 Janaye Powers 798 Shawntae Collins 798 Jennica Lindqvist 795 Dennis Young 793 Shelby McDowell 789 Aaron Chen 788 Raynaldo Lafontant 788 Ariel Demesa 781 London Burnett 779 Jordon Barron 770 Robert Kanaan 766 Carson Burrell 763 Sylvain Kalombo 762 Ross Ewen 752 Chad Harper 751 Quran Sims 750 James Blazek 749 Lidia Meglei 745 Niro Nazareno 744

NAME TOTAL NAME TOTAL NAME TOTAL NAME TOTAL NAME TOTAL @ Salanieta Ahlbrandt $ 742 Kenan Hyseni $ 663 Fredy Romero $ 622 Alexander Del Castillo $ 589 Derya Ekren $545 . Patrick Duray 741 Brian Traboulay 663 Alisha Anderton 622 Duane Shaw 588 Andrew David 544 1 3 Joseph Kanaan 734 Christina Jauch 660 Jeanette Ramirez 620 Taulant Bane 585 James Romero 538 Jayson Hofferek 726 Dustin Dunlap 659 Nathaniel Oliver 618 John Clark 585 Marie Campbell 538 Rosemary Soto 712 Logan Holle 657 Ala Awad 617 Tara Haughney 577 Tanis Williams 536 George O’Shea 708 Michael Clemente 654 Alma Lozano 614 Rechel Brown 575 Sean Gillespie 536 Michael McKiernan 703 Narciso Nieves 654 Jacqueline Nutt 614 Bradford DeLuca 573 Moises Galvan 531 Brian Cabral 702 Lincoln Dziekonski 653 Rodney Ward 607 Joseph Pizzoferrato 573 Zachery Kertulis 530 Brittni Kwiecien 700 Matthew Japhet 644 Kasali Kotun 605 Matthew Conrad 562 Hemerson Gonzalez 527 Jonathan Black 696 Corey Kmetz 643 Matelita Enosi 604 Marcus Piccirilli 561 Tara Haughney 524 Henry Johnson 694 Nicholas Gee 640 Carrie Padgett 603 Crystal Larkins 560 Lisbet Leal 520 David Fiscu 680 Austin Hamilton 640 Asia Rose 602 Blaine Cowart 558 Anna Irymesku 517 Richard Schoonover 672 Feleti Fatai 638 Jeramey Pitman 601 Francis Ingulli 553 Matthew Parks 513 Mallory Eggleton 668 Kelly Schoenherr 636 Michelle Marin 600 Sean Brannan 553 Minh Phung 511 Anthony Greco 668 Jakob Morris 631 Sabeenan Jeyaratnam 597 Troy Plummer 550 Ryan Gold 510 Tiffany 665 Dustin Mayfield 631 Richard Pazak 594 Luaao Leota 550 Derek Pratt 507 Babin-Washington Elizabeth Garcia 631 Leonard Swearingen 594 Sophony Jorvelus 549 Justin Sutton 500 Miguel Alvarenga 664 Timothy Lum 629 Carrisa Korres 591 Mary McMullin 548 TOTAL LEGACY RECRUITERS: 340 TOTAL LEGACY RECRUITS: 426 Yt M Aa d Ransey Vazquez Mark Dresaj Mandeep Singh Kendall Wilson Samuel Boyle 7 Recruits 6 Recruits 4 Recruits 4 Recruits 3 Recruits Bob Olson Zachary Hart Sabrina Lloyd Sabrina Lloyd Simon Arias NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS Ransey Vazquez 7i Kastriot Useni 3 Angela DeVivo 2 Raynaldo Lafontant 2 Johnny Ramos 2 Mark Dresaj 6 Paul Vassallo 3 Patrick Duray 2 Courtney Lavitch 2 David Robbins 2 Mandeep Singh 4 Scott Wheeler 3 Abraham Esquivel 2 Valentina Martinez 2 Jesus Romero 2 Kendall Wilson < Gregorio Albao 2 Antonio Flores 2 Michael McKiernan 2 Kimberly Salerno 2 Samuel Boyle 3 Miguel Alvarenga 2 Vanessa Forouzan 2 Samantha McKown 2 Susan Scott 2 Joshua Hammond 3 Tiffany Babin-Washington 2 Zachary Funkhouser 2 Christopher McNulty 2 Joel Scullin 2 Jennifer Jaikes 3 Jordon Barron 2 Nikola Gjurashaj 2 Sanaz Mirza Baig 2 Steven Templeton 2 Nicholas Lantieri 3 Michael Battaglio 2 Joseph Gojcaj 2 Niro Nazareno 2 Tyler Townsley 2 Cody Mendez 3 Reid Certilman 2 Baboo Gopaul 2 Carrie Padgett 2 Jose Viramontes 2 Iris Saavedra 3 Denzel Covington 2 Kyla Greig 2 Osiris Palma Quiroz 2 Kelly Schoenherr 3 Krystal Cox 2 Aaron Haynes 2 Richard Pazak 2 Rosemary Soto 3 Frederick Cruess 2 Walter Icaza 2 Jeramey Pitman 2 Justin Sutton 3 Tiffany Cynar 2 Aline Jacob 2 Joseph Pizzoferrato 2 TOTAL LEGACY RECRUITERS: 2,361 TOTAL LEGACY RECRUITS: 4,250

NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS Ransey Vazquez 66 Paul M Smith 11 Johnny Ramos 9 Cole Hatfield 8 Nikola Subotic 8 Michelle Martinez Aviles 22 Francisco Vasquez 11 David Staffiery 9 Joel Jesurun 8 Benjamin Varner 8 Kendall Wilson 17 Shawntae Collins 10 Bethany White 9 Michael Mandella 8 Antoinette Williams 8 David Carpenter 16 Walter Icaza 10 Diane Williams-Lewis 9 Michael McKiernan 8 Daryl Graham 12 Steven Rios 10 Josh Bloomquist 8 Richard Pazak 8 Stephanie Kell 12 Kierra Goodwin 9 Aaron Chen 8 Iris Saavedra 8 Gregorio Albao 11 Patrycja Grudzinska 9 Sheila Downey 8 Rosemary Soto 8

W By Incentive Structure Payout. Top Legacy Recruiting Agents listed earned st $500.

w By Number of Legacy Recruits. Top Legacy Recruiting Agents listed have at least 2 Legacy Recruits

€ Spotlight will picture the top 5 Legacy Recruiting Agents based on number of Legacy Recruits. In case of a tie, top Legacy Recruiting Agents will be determined by total Incentive Structure Payout as

long as minimum ntion/Net to Gross standards are met. * The number of YTD Legacy Recruits listed for Spotlight recognition may be different than the number of YTD Personal Recruits reported for Torchmark Achievement Award eligibility due to the counts

being calculated differently.

LEGALY

MEMBERS

— By Number of Eligible Legacy Recruits*

Dustin Venekamp Imran Satti Altig-Orlovic Surace-Smith Altig-Orlovic Zachary Hart 16 Recruits 15 Recruits 10 Recruits 5 Recruits 5 Recruits 5 Recruits Gold Gold Silver Bronze Bronze Bronze P A Á = = y P = (^ No IN Ye ANS Dustin Venekamp Surace-Smith Altig-Orlovic Zachary Hart Ryan Giddens Simon Arias 6 Recruits 5 Recruits 5 Recruits 5 Recruits 5 Recruits 6 Recruits Bronze Bronze Bronze Bronze y Brónze Bronze P. «7 D > du ^ J = m 4 wal ele — 7 s. Nu y egacy Rec S CO ered eligible Dustin Venekamp Surace-Smith Sabrina Lloyd e SSGER A aerun I2 IBN £l 5 Recruits 5 Recruits 5 Recruits count towards qualification levels) when he/ Bronze Bronze Bronze she has submitted $2,000 Net ALP

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

Bob Olson Contracted 3/13/15 Qualified 11/30/17 $2,083,124 Net ALP

Oldham-Gryska Contracted 6/11/01 Qualified 11/30/17 $1,003,829 Net ALP

Johnson-Nelson Contracted 9/29/10 Qualified 11/30/17 $1,002,472 Net ALP

ol fl [21 A

WHY GO AT ALL? — JOE NAMATH

played all season (2017) and are now beginning the 2018 season. For those of us who are competitive (ALL of us), as the end

approached, we dug a little deeper, focused :

a little stronger, and summoned up all the remaining energy we had to finish strong. When you think ofthe most successful ath- letes, what most of us remember is how they finished, and that becomes their LEGACY. I want to take a moment to remember

ing played for. It was being played — and every : one of us gave 100% — for the Legacy of Roger:

Smith. As I typed this article, I can't deny that

— o cn. di d EXC. 7

: I got a lump in my throat thinking about the : : previous 17 years of working for Roger. For

: make for a great night of laughs with him. What was the goal of the season for Roger, | we now carry forward with us.

IF YOU AREN'T GOING ALL THE WAY, :

Are we digging as deep as we can? Are we leading as strongly as we can?

ia " 1 — ^ p h j pes

er — n WE =. pe AN A PA PN T€ - i à

i We need to look ahead and say “Here We : Come!” Our new CEO, Steve Greer, is al-

LEGACY

: many of you, it is even longer, and the stories : we could tell would be a best seller, or at worst, :

WANTS

Roger has been our quarterback for the last :

: 19 years, and I can't help but think that his re- :

Y THE TIME THIS ISSUE OF : cord of success is legacy building, in itself. But, : B Spotlight reaches you, we will have © Roger would tell you the legacy he wants to be : : remembered by is the legacy of his team: you, |

: the World's Greatest Sales Force, and his Home | : Office coaching staff in Waco and McKinney.

That legacy is about how no matter what the :

: a doubt about how we would all perform. His : : confidence in all of us is stronger today than it : : has ever been, and with that, I ask again: E Are we digging as deep as we can to carry | : his Legacy forward? i what the 2017 season for AIL/NILICO was be- :

TO BE REMEMBERED BY IS THE LEGACY OF HIS TEAM.’

: obstacle, or goal or vision was, there was never :

Are we leading as strongly as we can to ;

coach our teams to a victory?

Is every ounce of energy being poured out : : of us to impact the results?

| ready working hand-in-hand with every SGA office team to help AIL/NILICO reach our : goals in 2018! @

Dire il

s X

OM ee VR RE ian pny am

CAREER AGENTS

Write $93,000 of Net ALP as of December 31, 2018 AP&P Report. For Career Agents contracted less than one year,

the Net ALP will be prorated based on number of months contracted after the sixth month. Personal Producers can also qualify by writing $110,000 of Net Annualized Premium as of December 31, 2018 AP&P Report.

SUPERVISING AGENTS Write $93,000 of Personal Net ALP as of December 31, 2018 AP&P Report or write $155,000 of First Six Months Agent Production Net ALP, and have at least one active First Six Months Agent as of December 31, 2018. SAs can qualify on a pro-rated basis if contracted less than one year.

GENERAL AGENTS

Write $93,000 of Personal Net ALP as of December 31, 2018 AP&P Report or write $205,000 of First Six Months Agent Production Net ALP and have at least two active First Six Months Agents as of December 31, 2018. GAs can qualify on a pro-rated basis if contracted less than one year.

MASTER GENERAL AGENTS Write $350,000 of First Six Months Agent Production Net ALP as of December 31, 2018 AP&P Report. We will allow any combination of Personal and First Six Months Agent Production Net ALP that add up to the total requirement. Qualifying MGAs must also have at least four active First Six Months Agents as of December 31, 2018. Or write $93,000 of Personal Net ALP as of December 31, 2018 AP&P report and have at least 1 active SA/GA as of December 31, 2018. MGAs can qualify on a pro-rated basis if contracted less than one year.

REGIONAL GENERAL AGENTS

Must have two MGAs who qualify for Convention under

the MGA Agency production guidelines (not personal production), or may qualify as an MGA with his/her own MGA Agency production.

STATE GENERAL AGENTS

Must meet 10096 Performance Factor as of December 31, 2018.

MARKETING SPECIALISTS & PR REPRESENTATIVES

Obtain 17,500 card credits or #1 in Category (must meet 100% of Objective with minimum of 10,000 Card Credits). Rookie reps (reps with 2017 hire date) must obtain 13,000 card credits. Icebreaker (reps with 2018 hire date) must obtain 6,500 card credits. Qualification is based on cards generated in 2018. Original (ORIS and ADIs) will count as double credit.

_ CAESARS PALACE | LAS VEGAS

NOTES: The Net-to-Gross and retention rates

as shown on the qualifier’s December 2018 AP&P report will be used in determining qualification. All levels must meet appropriate Retention or Net to Gross requirements to qualify. Year-To-Date award winners must also have 80% Net-to-Gross (from AP&P report) or a 7396 retention rate to be eligible for recognition.

Qualifying for Convention entitles one to attend only if he or She is an active American Incomer or National Incomer at the time Convention is held. Qualifiers are not eligible for monetary compensation in lieu of the trip. No substitutions or transfers are permitted. Phone add-ons (WP or ADB) do not count toward convention qualification. Individuals on Red Watch cannot qualify for Convention. Expenditures for the Qualifier and the spouse/guest will be included in the qualifier's taxable income for the year. Qualifying Marketing Specialists will be required to have appropriate taxes deducted from payroll.

2018 BONUS QUALIFICATIONS

the WORLD’S GREATEST BONUS; bows based on gross ALP in the week as shown on their

weekly advance report. The bonus calculation is based on the Net ALP for the week. Agents must also have the required quality factor (retention or net-to-gross) to be eligible forthe bonus. Agents contracted more than twelve months with a minimum of $2,000 gross ALP can also receive a bonus increase based on their retention rate.

fth REINSTATEMENT BONUS, Agents receive 25% of the annualized premium as a bonus

Qn all life.cases recoded to a different Agent on bank draft with all back premiums collected. Returned items and lapses will be allowed to count as eligible cases. .

Tobe eligible forthe SA / GA DIRECT ASSOCIATE FIELD TRAINING BONUS,

the SA/GA must have the required number of direct new asSociates: The bonus will be calculated asa percentage of the total weekly World's Greatest Bonus earned by new associates in their first 180 days under an SA or GA. The SA/GA must have the required quality factor to be’eligible for the,bonus. SA/GA must have $3,000 of personal Net ALP in the prior month to be eligible for bonus in current month. + `

To be eligible for the SA/GA LEADERSHIP BONUS, the SA/GA must have the required number

of direct/indirect new associates. The bonus will be calculated as a percentage of the total weekly World's Greatest Bonus earned by post-six-month direct associates under an SA/GA, and indirect associates under a GA. The SA/GA must have the required quality factor to be eligible for the bonus. SA/GA must have $3,000 of personal Net ALP in the prior month to be eligible for bonus in current month: : j

To be eligible for the MGA LEADERSHIP BONUS, the MGA must have the required numbet of

new direct or indirect associates. The bonus will be calculated as a percentage of the total weekly World's Greatest Bonus earned by direct and indirect associates under an MGA. The MGA must have the required quality factor to be eligible for the bonus, and must promote one personto MGA per year or within one year of becoming an MGA to maintain eligibility for the Leadership Bonus:

the RGA BONUS i based on the Weekly Leadership Bonus earned by each MGA coded under the RGA. Based on

the number of MGAs coded under an RGA, the RGA is eligible for a weekly bonus equal to a percentage of the Leadership Bonus earned by the MGA. The RGA must have the required quality factor to be eligible for the bonus and must promote one person

to MGA under his/her personal MGA hierarchy or within one year of becoming an MGA to maintain eligibility for the RGA Bonus. RGAs are eligible for the bonus for as long as they continue to manage the MGA.

MI LLION DOLLAR CLUB members receive a bonus of $5,000 and an award if they produce $1 million

of Net ALP (from 1999 forward). $5,000 bonus will be increased $5,000 for each additional qualification.

PR PLATINUM CLUB members of the PR Team receive a $5,000 bonus and an award if they produce

250,000 leads. They also receive a $10,000 bonus and an award for 500,000 leads. Lead accumulations from 2006 forward.

FOUNDERS- CLUB y personal producers must meet $12,500 Net ALP per month for four consecutive months and 79.0% four month retention. Qualifiers must have eight full months tenure as an active producer. PR Reps and Marketing Specialists must reach 2,000 lead cards per month for four consecutive months. First Time qualifiers receive a $500 bonus and Founder’ Club ring. Subsequent qualifications will receive $500 and a diamond added to their Founder's Club Ring or a Founder's Club Ring for their Spouse. Current year qualifiers also have the privilege to arrive one day early for the next year's convention.

fo PRESIDENTS CLUB, personal producers must meet the minimum production of $150,000 of Net

ALP in the calendar year, with 80.0% four-month retention as of December 31, 2018. Qualifiers must have eight full months tenure as active producers. PR Reps must generate 27,000 lead cards in a calendar year to qualify for President's Club. The Marketing Specialist who generates the most lead cards in 2018 is also eligible. The Marketing Specialist must otherwise qualify for Convention to receive awards. First time qualifiers will receive a President’s Club ring or pendant and a $1,500 bonus. Subsequent qualifications will receive a diamond added to their ring (or pendant) or a President's Club ring (or pendant) for spouse. The $1,500 bonus will be increased $200 for each consecutive qualification. Qualifiers also have the privilege to arrive one day early to Convention.

NOTE: An associate is defined as a new agent who submits at least $1,000 Gross ALP contract-to-date.

*6 LEADERSHIP... s VISION co hich sights, th raising sta pesons PERFORMANCE toa H I G H E R standard, the building of a AMO EE us BEYOND.

AC AD E M — PETER DRUCKER

2018 LEADERSHIP ACADEMY DATES

Leadership Academy is your first step on the

road to a management career with American Income Life and National Income Life. Talk to your SGA about qualifications NOW as space is

limited and spots fill quickly.

LEADERSHIP 101: Fundamentals of Agency Building April 8-11

July 15-18

September 23-26

LEADERSHIP 201: Building for Ownership May 14-16

August 20-22

LEADERSHIP 301: Top Gun

February 12-14 September 17-19

LEADERSHIP 401: Results-Driven Leadership September 4-6

ongratulations on an amazing tenure

with AIL and NILICO! Your contribu-

tions have changed lives for the bet- ter for countless people, starting with me and my family. What’s even more incredible is that your legacy will only grow with all the future lives this company continues to impact. Thank you for all you've done and | wish you all the best as you write the next chapter of your life story! — David Ackerman

You've transformed American Income Life through your unwavering leadership and focus on growth. You had the vision for how great the company could become and you dedicated your career to making it a reality for each and every Agent, Manager, and SGA. Today we all experience an entirely new, brilliant version of Opportunity Unlimited, thanks to you. Enjoy your retirement and feel proud, as we do, that your legacy in AIL will live on forever. Have fun!

— Altig-Orlovic (Rick, Ilija, Rob, and James)

First and foremost, congratulations! More importantly, thank you for your leadership & especially for giving a

24-year-old kid from Youngstown the opportunity of a lifetime to become the youngest SGA at the time. You've left a legacy that will always be remembered. God Bless! — Simon Arias

At some point in everyone's life, in a time where it could possibly be the end of what’s supposed to be great, God sends one of his servants for resuscitation purposes. Thank you, Roger, for listening to your heart and following God’s order; several years ago, when | was at the end of my rope, you helped me tie another knot to hang on a little longer. You will forever have a place in my heart. Congratulations on your retirement. | hope you can now sit back and enjoy life, while watching us continue to live out your LEGACY. — Souley Bah

Thank you for building the kind of company we can all be proud of. Your legacy and contributions will live on forever. Happy retirement. — Ryan Bisanz

Where did time go? | have known you since the days when you were a 20-something young man with long bushy hair, running down the halls of 6404 Wilshire, to leading the company with ALP though trials and tribulations and

ultimately leading AIL to new heights, making it one of the top insurance companies around. | will forever cherish your friendship and leadership, and wish you all that your heart desires going into the yet-to-be-written next chapter in your life. Still sticking around! — David Cohen

| just want to thank you for your tremendous leader- ship and for showing me what a true leader is. You've inspired me in my career and in my personal life on so many levels and | can only hope to have a legacy as great as yours. God bless you and De in your retirement.

— Randall Cook

| want to personally thank you for being a servant leader. Not many CEOs go out of their way to know their per- sonnel, but | can say that you did and | will never for- get what you did for me. Congratulations on a job well done and | want to wish you well as you enter the next chapter of life. B would be very proud of how you car- ried the torch and I’m sure he's smiling down on you! — James Cunningham

Thank you, Roger, for your leadership, help, mentoring. You have truly made AIL an incredible business success testimonial that can be used in the business world of WOW! You and | have known each other for nearly 40 years. | have watched you move up from a producer to a CEO the old fashioned way which was commitment, dedica- tion, relentless hard work and persistence to reach your goals. We enjoyed special times with your wisdom and fun times where you brought us Kool and The Gang, Three Dog Night, and many other once-in-a-lifetime experiences which we will cherish forever. All of us in New Zealand will miss you. Enjoy, relax, do those Bucket List items that await you. God Bless you, Roger! — Steve Friedlander

Roger, you were with me on the hardest day of my life. You stood waiting for me and Sasha with a cast on your leg and with full open arms. You grabbed us close and whispered in my ear, "Remember, Cindy, we take care of our own.' That one sentence sums up your legacy to me. You stayed with us until that evening, then continued to call us every other day to see if we needed anything. You're a hero to my daughter and I'm filled with gratitude for all you've done for this company, our agency and my family. We wish you all the happiness in the world, good health and all the best that life has to offer. Remember, Roger, your legacy will live on forever since we will always take care of our own! — Cindy Furer

Thanks for the ride, Roger. | pray the best for you and your family as you enjoy your new life! — Eric Giglione

Congratulations, Roger, on a storybook ending and to a new best-seller starting! | consider myself blessed as l've had you in my life as a mentor, amazing leader, and friend to myself and so many for 18 years! | can live a million lives and never be able to thank you enough for the opportunity you have given me! All the love, faith, and success to you — we wish you welll — Zach Hart

Thank you so much for everything that you have helped to create and the opportunity that you have had such a huge impact on. | live thankful to God every day for the Legacy that you have passed on. Congratulations on your retirement! | hope you enjoy every single moment of it! — Nate Hunt

Under your leadership, | was able to experience some of the world. For those memories, | will be eternally grateful. From myself, Emily, Rachael, and our grandson Sage, we wish you nothing but the best in your retirement years. — Allan Jennings

Thank you, Roger, for your incredible leadership and dedication to AIL and for giving us a better and better opportunity unlimited every year! Congratulations on your well-earned retirement; you have earned every bit of it! — Steve Jubrey

| wish you all the best in wherever the future brings you. | trust you know that your life is guided and you will continue to be brought to many great places. When Mr. Rapoport entrusted you with his life’s work, | believe he knew what he was doing. | watched you through the years, leading the most unruly group of men and women, and you allowed us to be us. You allowed us the room to challenge ourselves and find our greatness. You allowed us to become great leaders ourselves in doing so. That says a whole lot about your leadership, and | will carry your legacy with me as | continue this journey with you and Mr. Rapoport in my heart. | promise that | will make you proud. With love and many blessings ... — Sabrina Lloyd

Amazing, amazing job, Roger; you are truly a legend. Funny thing is | didn’t know your story, or hear the majority of your accomplishments until | became an SGA myself. So going forward, | will make sure your story is told day in and day out so that people can be motivated and inspired like | was. | wish you nothing but the best, a relaxing but exciting retirement and many, many years of GREAT HEALTH. Stay true, Roger! — Andre McCallum

You have been a big part of the company. Your knowl- edge and years of experience have brought the Company to where it is today. Thank you for all the hard work! — Travis Moody

From the first time | met you at the Miami convention in 2011, I knew | was in amazing hands with the future of my career. Unlike so many people who hold positions of power, you knew exactly what everyone was going through since you went through it yourself and you never forgot where you came from. It was an honor being part of your legacy

and l'Il forever be grateful for the impact you have made on my family and me. — Nick Moore

It's been an absolute pleasure to have worked with you these last 14 years. What you brought as a leader, what you envisioned and gave to AIL has allowed me to have true Opportunity Unlimited and have my dreams come true. You are a true man of the Union movement and have delivered on all of your promises. It's now time for you to enjoy everything that you have built. | wish you all the best. Congrats Roger, enjoy your retirement. — Corey Neff

Mr. Smith, | would like to thank you for your years of service with American Income Life. Congratulations on your retirement and | wish you the best! Enjoy! — London Nelson

Man, have we been through a lot together since you took over AIL. | will never forget the “discussions” we had about the SGAs that | was working with as the first director. | never understood how you thought it made sense for me to try and work with EIGHTEEN of them, but it certainly opened my eyes to not only the SGA position, but also gave me insight into your world as the President and the pressures and responsibilities that come with that title. | also know that you were stepping into the shoes of a living legend. That takes a special kind of courage. You readily accepted the challenge and never looked back.

One of the wisest decisions | ever witnessed you make was in humbling yourself and creating the Executive Advisory Council. The best leaders are those who understand that they don't have all of the answers and seek the advice of the talented people they have surrounded themselves with. | was honored to be a part of that first Council meeting and | truly believe that in that decision, you put the com- pany on its current path of greatness. Congratulations on your retirement. You are departing on top, the company is dramatically better now than when you took it over, and you have left it in strong and capable hands. Don’t know how a man can ask for much more than that on his way out the door! Enjoy the sunsets. — Durhon Oldham & Brett Gryska

Much appreciation for all your leadership and dedication to all of us. | have been honored to be part of your SGA body for the last 15 years. You will be missed. Wishing you success in the next new chapter of your life. If you are ever headed to Chicago, please reach out. We would love to have a visit with you. Thank you! — Bob Olson

| want to take this opportunity to express my gratitude to you for allowing me to be an SGA. Your advice still rings in my ears when you promoted me. You are a true inspiration to me. | wish you health and happiness in your retirement! — Byron Paz

Congrats on your second retirement — first as an SGA and now as CEO! You have been the granddaddy of the Company ever since | have been with it, and you have made an impact. — Cisco Perez

You have truly touched the lives of so many including myself. In the short amount of time I’ve had getting to know you, | can truly see the kind of man you are, and the man | aspire to become in life and for this company. All | can say is thank you, and | wish you happiness and love. — Chad Potts

Mr. Smith, it is an honor to have been chosen to be a SGA while you were our CEO. | have been with AIL for 10 won- derful years, and | have seen what we have accomplished under your great and wise leadership. As you embark in this new journey, you will always be remembered and ad- mired by thousands of people whose lives you influenced for the better. | thank you very much for your legacy and support. May God bless you and your beautiful family al- ways. Enjoy the fruits of your hard work and dedication for decades. — Beto Quintero

Thank you — enjoy! — Robert Smith

Congratulations, Roger, on your retirement. Words cannot express enough the gratitude | have for your leadership. At my first convention in 2002, you rolled out the goal to take AIL to $75 million. Your vision & drive took us far beyond that. You have not only changed my life with the opportunity, but many others. The legacy you have built is a legacy that will forever be remembered. Enjoy your retirement! — Kris Thieme

Congratulations on your retirement! Thanks for all you have done & God bless! — Danny Umbertone

Congratulations on an amazing career that has spanned over four decades. In your time as the CEO of American Income Life, of which | have been part for well over half, | have seen this Company make dreams come true and change lives from the inside out. It is because of your commitment and dedication to Bernard's dream and your intrepid leadership style that we have been able to break records and help more agents and policyholders than ever. I'll be forever impacted for having gotten to see you lead and you've left your mark on this Company in a way that will allow your legacy to live on forever. | wish you many happy, healthy, and joy-filled years in your retirement, and | hope that | can do my part in keeping your dream for this Company alive. Thank you! — Mike Vasu

Thank you for your investment and belief in all of us. Your unselfish efforts have created so many blessed people at American Income Life. We are all thriving on the legacy you have given us, and our families will benefit for mul- tiple generations. We appreciate you. Please find peace and enjoy your retirement. You deserve it. Now it is our turn to pass success along to the next generation. — Dustin Venekamp

You have the ability to make one statement last a life- time! You’ve created an amazing impact and changed the lives of many who have never met you personally. That's the dream of legacy! | am honored and blessed to have been led by you. Congratulations and may God bless you in the next chapter of your life. Thank you for providing and growing such an incredible opportunity! — Jamison Weatherspoon

My sincere THANK YOU, Roger. Your leadership and vision will leave a permanent legacy with American Income Life. The definition of a great leader is not how great he or she is, but how great they make others! You are the defini- tion of that leadership. You have created a lasting and indelible mark on AIL. Your leadership and vision will last forever in the leaders that you have created. We, as the SGA body, thank you and will forever be grateful to you. — John Young

a INDIVIDUALPRODUCERS

NOVEMBER YTD

Rank NetALP NTG RET MGA SGA Rank NetALP NTG RET MGA SGA 1 AlAlkurdi $83,589 81.5 David Wang Bob Olson *1 AlAlkurdi $838,027 81.5 David Wang Bob Olson 2 Milija Perkovic 62,000 93 Darcy Schrieber Zachary Hart *2 Michael van Delft 444,061 87.6 Scott Wheeler Imran Satti 3 Roghie Hassan Loo 47,375 80.3 Roghie Hassan Loo Josh Chalom *3 Roghie Hassan Loo 374,480 80.3 Roghie Hassan Loo Josh Chalom 4 Susan Bedrossian 45,492 83.2 Begona Patino-Lopez Cisco Perez *4 Katie Massart 353,481 91.8 John M McGrath Altig-Orlovic 2 5 David Ruhara 42,123 84.6 Richard Gerrish Laura Fisher *5 Mike Sukhbaatar 316,188 92.1 Daniel Umbertone AL ALKURDI MILIJA PERKOVIC ROGHIE HASSAN L00 SUSAN BEDROSSIAN 6 Muhammed Ashraf 37,186 85.9 MahadaiKryshundayal Theodore Pappas *6 Bryan Juskiw 312,498 77.5 Daniel Hartwig Surace-Smith LOMBARD, IL TROY, MI TORONTO, ON WARWICK, RI 7 Jacqueline Kabluyen 35,107 80.9 Mark Nielson Altig-Orlovic *7 Oleg Novitchii 312,333 82.2 Matthew Parks Surace-Smith B Uu 8 Jordon Graham 34,401 81.9 RobertJanev Sabrina Lloyd *8 Jacqueline Kabluyen 271747 80.9 Mark Nielson Altig-Orlovic & 9 Alesandra Nicaj 33,467 95 Mark Dushaj Zachary Hart *9 Brooklyn Mims 269,675 734 Moswen Taylor : 10 Michael van Delft 32,629 87.6 Scott Wheeler Imran Satti *10 Crystal Larkins 268,408 84.8 Jacqueline Kabluyen Altig-Orlovic y 11 Crystal Larkins 31,954 84.8 Mark Nielson Altig-Orlovic 11 Jordon Graham 262,714 81.9 Zach Otto Sabrina Lloyd 12 Katie Massart 29,678 91.8 John M McGrath Altig-Orlovic 12 Joshua Dishong 259,766 89.7 Joshua Dishong Surace-Smith è Ty] i 13 Ngan Pham 29,322 85.4 Ikram Al-Shobaki Byron Paz 13 Ryan Vance 258,871 93.3 Marc Salvaggi Surace-Smith 4 6 i Tu 7 \ 8 , 14 Bryan Juskiw 28,791 77.5 Daniel Hartwig Surace-Smith 14 Kevin Ishikane 250,563 764 Blake Higuchi Altig-Orlovic DAVID RUHARA MUHAMMED ASHRAF JACQUELINE KABLUYEN JORDON GRAHAM a 15 Mohamad Raychouni 28,262 100 Mark Dushaj Zachary Hart 15 Joey Kennedy 250,236 82.5 AshLynn Orng Altig-Orlovic cee gi me MEE 16 Aleksander Prela 27900 89 Mark Dushaj Zachary Hart 16 Priscila Gonzalez 241,143 789 Mark Nielson Altig-Orlovic Y N. z 17 Blake Tomblin 27,413 87.7 Tyler Worstell Simon Arias 17 Brian Cabral 237,695 85.3 Sara Vaz Altig-Orlovic s 18 MackHanna 27,252 97 DeAnthony Hartman Zachary Hart 18 David Ruhara 237,344 84.6 Richmond Gerrish Laura Fisher 19 Oleg Novitchii 27,097 82.2 Matthew Parks Surace-Smith 19 Muhammed Ashraf 236,796 85.9 Mahadai Kryshundayal Theodore Pappas P | J 20 Cleopatra Sola 24,488 87.6 Blake Higuchi Altig-Orlovic 20 Johnathon Bogoslowski 236,595 78.8 Sara Vaz Altig-Orlovic ] 21 John Vacca 24,344 83.8 — Thomas Vena Simon Arias 21 Max Quasem 222,942 88.3 Cohen-Cohen 10 11 A 12 22 Mike Reed 24,339 77.4 Christopher Hintz Altig-Orlovic 22 Diana Al Ali 222,795 79.0 Yussuf El-Zein Altig-Orlovic Sas i 23 Ryan Vance 23,758 93.3 Marc Salvaggi Surace-Smith 23 Kenan Hyseni 216,111 78.7 Sara Vaz Altig-Orlovic pe NRA NICAJ CL NOELT EU E SART 24 Priscila Gonzalez 23,452 78.9 Mark Nielson Altig-Orlovic 24 Richard Carter 213,927 94.7 Nicholas Lorence Altig-Orlovic & 25 Alectra Kelley 23436 | 95 Sara Rostamijalilian Altig-Orlovic 25 Cory Cannataro 209,596 837 Dominic Telymonde Giglione-Ackerman 26 Adem Abdula 23,282 840 Corey Helly Giglione-Ackerman 26 Meardey Kim 205,570 81.6 Yussuf El-Zein Altig-Orlovic 27 Mike Sukhbaatar 23,034 92.1 Daniel Umbertone 27 Susan Bedrossian 200,435 83.2 Begona Patino-Lopez Cisco Perez r1 28 Larry Carlson 22847] 100 Mark Dushaj Zachary Hart 28 Alvin Ali 199,870 77.2 Doreen Ryan-Foti Don Foti 29 Daniel J Johnson 22,845 80.9 Mark Nielson Altig-Orlovic 29 Matthew Zang 198,241 86.3 Ryan Stenglein Altig-Orlovic 30 Cameron Ashcroft 22,742 80.2 Patrick Knouse Slav Bitman 30 Benjamin Ainscough 195,556 86.5 Troy Plummer Altig-Orlovic 13 16 31 Gian Trinidad 21,162 81.6 Bobby Gujral Altig-Orlovic 31 Lily Sakai 195,439 88.7 Cohen-Cohen NGAN PHAM BRYAN JUSKIW MOHAMAD RAYCHOUNI ALEKSANDER PRELA 32 Alvin Ali 21,117 77.2 Doreen Ryan-Foti Don Foti 32 Joseph Sarasin 192,530 814 George Kamel Surace-Smith OAKVILLE, ON COLUMBUS, OH TROY, MI TROY, MI 33 Joseph Sarasin 20,709 814 George Kamel Surace-Smith 33 Kevin Gillum 188,201 913 MarcSalvaggi Surace-Smith | & 34 Judith Nevarez 20342 — 96 Carlos Arballo Dustin Venekamp 34 Daniel Prinzo 187,354 88.8 — MarcSalvaggi Surace-Smith 35 Brian Cabral 20,141 85.3 Sara Vaz Altig-Orlovic 35 Tina Nelson 182,483 94.9 Tina Nelson Johnson-Nelson 36 Aryeh Freedman 19,373 79.9 Reynolds Akuamoa Theodore Pappas 36 Ross Ewen 179,668 84.6 Kevin Holtz 37 Trenton Miller 19,076 85 Mark Nielson Altig-Orlovic 37 TinaJanti 179,151 88.3 Mark Nielson Altig-Orlovic 38 Kashala Guiden 18,754 82.5 Zach Otto Sabrina Lloyd 38 Mark Lomonaco 176,902 81.2 Richard Mansfield Altig-Orlovic 39 Tyler Schroeder 18748 100 Jason Green Hart-McCallum 39 Alan Sedaghat 172,617 88.3 Bobby Gujral Altig-Orlovic ^ a 40 Joey Kennedy 18,560 825 Ashlynn Orng Altig-Orlovic 40 Brock Lampee 171,625 89.4 Dustin Dunbar Dustin Venekamp gs orca Ee OVER CELA 41 Abraham Mogilevsky 18,334 814 Bobby Szwaja Theodore Pappas 41 Michael Botond 171,264 818 Alex Kae Altig-Orlovic i 42 Elhanan Sing 18269 91 Scott Wheeler Imran Satti 42 Mike Reed 170,838 77.4 Christopher Hintz Altig-Orlovic 43 Veronica Bradford 18215 100 Iris Saavedra-Garcia Don Foti 43 Gian Trinidad 170,384 81.6 Harjeet Rana Altig-Orlovic N 44 lan Pickett 18,191 85.5 Shai Mate Altig-Orlovic 44 Joachim Jean 170,068 81.2 Ryan Hall Laura Fisher = 45 Ruben Soberanes 18,113 83.1 Doreen Ryan-Foti Don Foti 45 Alex Gonzales 167,793 823 Edward Nguyen Mathew Hart NE. " os ; 46 Tisha Joyner 18,030 97 Patrick Knouse Slav Bitman 46 Yadollah Pourjalali 166,853 85.2 Cohen-Cohen <L 47 Luis Miranda 17,911 74.9 Beau Locker Matt Henderson 47 Candace Dillon 163,697 83.7 Melinda-Rae Lyse Altig-Orlovic =e ! 48 Erikka Michaels 17,715 724 Joshua Olin Altig-Orlovic 48 gor Melcharek 163,529 90.1 Josh Olin Altig-Orlovic ca ` 49 Scott Florin 17,678 89.5 Darcy Schrieber Zachary Hart 49 Ricardo Benson 161,464 82.7 Marc Salvaggi Surace-Smith EL 50 Joseph Schleicher 17,593 89.9 Britton Costa Simon Arias 50 Jason Isanberg 161,271 75.1 Andy Dorf Theodore Pappas VJ ALECTRA KELLEY LARRY CARLSON JUDITH NEVAREZ — ANCHORAGE,AK TROY, MI PHOENIX, AZ

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: $173,887 Net ALP

ALL TIME RECORD: $779,641 Net ALP — AL ALKURDI

SUPERVISINGAGENTS A

DARIO MESSINA

TROY, MI

5 TAULANT BANE

CLEVELAND, OH

JOSEPH GOJCAJ

TROY, MI

PATRICIA CONTRERAS

MIAMI, FL

9 N GJON LJULJDURAJ TROY, MI

MARK DARLING

WEXFORD, PA

AARON PATT

TROY, MI

JONATHAN DAAL

AUCKLAND, NZ

GENERALAGENTS

JEFFREY HUDSON

ADAM CHESNEY

TROY, MI

i on”

JOSEPH MCCALLISTER WEXFORD, PA

TINA JANTI SAN JOSE, CA

7 X

RENEE CUNNINGHAM EARTH CITY, MO

JOSHUA LOWMAN

WEXFORD, PA

A BARNEY BROWNER

EARTH CITY, MO

4 LANDON SCHLAG

AURORA, CO

8 i EDWIN DELGADO

TROY, MI

NOVEMBER

Rank

Dario Messina Joseph Gojcaj Mark Darling Joshua Lowman Taulant Bane Patricia Contreras Aaron Patt

Barney Browner

wo on A uU d» WN =

Gjon Ljuljduraj

E [-J

Jonathan Daal

11 Elvis Tinaj

12 Michael van Delft 13 James Sherwood 14 Sierra Healy

15 Karen Salek-Cuzmar 16 Clayton Slaughter 17 Zachery Kertulis

18 Jacob Kieffer

19 Colton Gould

20 Narcis Buncianu

ALL TIME RECORDS: $268,100 1st 6 Mo Agt — JEFFREY HUDSON | $268,100 Net ALP — JEFFREY HUDSON

NOVEMBER

Rank

Jeffrey Hudson Adam Chesney Tina Janti

Landon Schlag Ariana Jones Joseph McCallister Renee Cunningham Edwin Delgado

wo on OU d WN =

Luaao Leota 10 Adam Kidikas 11 Robert Adrahtas 12 Oleg Novitchii 13 Steven Rios

14 Matthew Simon 15 Lindsey Dettwiller 16 Sherly Philippe 17 Sylvain Kalombo 18 Alipate Makaui 19 Derek Foore

20 Nacole Newbold

ALL TIME RECORDS: $393,567 1st 6 Mo Agt — MEGAN JOHNSON | $437,263 Net ALP — MEGAN JOHNSON

Ist 6 Mo Agt

$84,754 76,195 45,002 32,253 28,012 27,683 27,093 26,665 25,462 24,881 24,594 24,000 23,235 23,234 21,986 21,953 20,896 20,779 20,507 20,405

1st 6 Mo Agt

$220,992 122,260 68,022 55,508 49,953 44,818 43,059 42,416 37,664 37,144 36,272 34,350 32,474 32,357 32,179 31,462 30,840 30,389 29,905 29,652

Net ALP

$80,239 76,195 42,561 36,621 29,109 31,863 28,007 34,258 24,178 37,909 32,301 56,629 29,163 24,057 37,198 30,947 24,578 24,148 20,507 20,405

Net ALP

$215,751 128,684 164,221 80,899 59,783 41,698 66,693 49,834 49,942 50,361 41,011 63,00 47,883 38,561 38,340 50,651 84,95 58,542 66,706 75,824

NTG

96 94

NTG

94 96

RET

80.2

79.2 73.3 83.8

79.5 80.0

77.3

87.6 75.6 83.2 73.2 75.1 85.2

91.0

RET

80.8 82.9 100.0

82.0 75.6

80.6 75.6 79.0 83.7 72.9 74.5 84.6 724 844 89.7 85.3 85.9

MGA

Mark Dushaj Mark Dushaj Britton Costa Alix Albright Matthew Parks Walter Icaza Lamar Livingston Jason Green Mark Dushaj Anita Ferris Darcy Schrieber Scott Wheeler

Daniel Hartwig

Beau Locker Andrew Batten Marc Salvaggi Sokol Fazliu Alex Smith Mark Dushaj

MGA

Mark Dushaj Darcy Schrieber Mark Neilson Matthew Turnquist Jason Bratin Britton Costa Jason Green Lamar Livingston Anita Ferris Joshua West Duane Shaw Matthew Parks Marian Sertler Peter Kwiatkowski Dustin Dunlap Kerlens LaRose Elyse Bryan

Paul Kelly

Marc Salvaggi

Scott Wheeler

SGA

Zachary Hart Zachary Hart Simon Arias Simon Arias Surace-Smith Beto Quintero Zach Hart Hart-McCallum Zachary Hart Steve Friedlander Zachary Hart Imran Satti Surace-Smith Dorian Oldham Matt Henderson Michael Vasu Surace-Smith Simon Arias Altig-Orlovic Zachary Hart

SGA

Zachary Hart Zachary Hart Altig-Orlovic Richard Correa Simon Arias Simon Arias Hart-McCallum Zach Hart Steve Friedlander Michael Vasu Sabrina Lloyd Surace-Smith Sabrina Lloyd Chris Hernandez Surace-Smith Matt Henderson Souley Bah

Steve Friedlander Surace-Smith

Imran Satti

YTD

Rank PT #2 eel

Joshua Lowman Joseph Gojcaj Brooke Bogs Dario Messina Clayton Slaughter Antoinette Williams Shane Valentine Ronald McCormick Justin Allain

James Sherwood Aaron Patt

Kenan Hyseni Christopher Visnesky Daniel LaFontaine Mark Darling

Ryan Vance

Mathieu Cook

Derek Woo

Bryan Hip-Kam

Cristian Alaimo

ALL TIME RECORDS: $593,315 1st 6 Mo Agt — PATRYCJA GRUDZINSKA | $659,568 Net ALP — GEORGE KAMEL

YTD

Rank

E m2 53 *4

Megan Johnson Jeffrey Hudson Adam Chesney Brent Bowling Eric Thompson Andrew Hynan Derek Foore Adam Kidikas Robert Adrahtas Joseph McCallister Tina Janti

Landon Schlag Eric Snyder

Dean Gushi

Carlo Buhay Danielle Morales Oleg Novitchii Joseph Kanaan Deonte Jones

Azar Afnan

ALL TIME RECORDS: $1,565,713 1st 6 Mo Agt — MEGAN JOHNSON | $1,751,795 Net ALP — BRENT BOWLING

1st 6 Mo Agt

$260,002 257,466 253,398 251,313 244,977 237,313 214,116 210,071 206,653 163,823 60,708 57,806 56,233 143,236 141,236 38,684 32,118 24,071 122,606 119,953

1st 6 Mo Agt

$2,035,593 988,007 686,094 640,633 520,778 443,281 407,150 400,603 380,771 376,994 356,591 350,898 350,146 338,861 335,903 329,706 320,045 317,916 314,934 306,580

Net ALP

$291,871 266,780 277,931 314,447 272,702 249,493 229,223 239,061 314,023 400,523 194,144 333,546 205,165 182,433 169,045 442,215 132,118 128,183 148,171 130,651

Net ALP

$2,259,927 1,012,720 787,960 1,925,185 1,103,967 803,727 1,105,558 564,206 400,386 474,656 803,690 466,699 405,631 533,969 1,152,310 451,204 806,021 692,984 585,992 579,775

NTG

RET

73.3

74.8 80.2 75.1 734

75.2 84.0 75.6 79.5 80.2 744 72.3 79.2 90.1 72.2 75.8 83.3

RET

72.5 80.8 82.9 83.5 82.7 80.6 85.3 75.6 79.0 75.6 100.0

83.1 78.9 80.4 79.7 83.7 714 75.0 734

MGA

Alix Albright Mark Dushaj Michael Laramie Mark Dushaj Andrew Batten Ernest Powell Matthew Diulus Joshua Crisp

Jesse Benwell Daniel Hartwig Lamar Livingston Sara Vaz

Aaron Parks Melinda-Rae Lyse Britton Costa

Marc Salvaggi Christopher Bentley Bobby Gujral Aaron Chen

Zach Otto

MGA

Mark Dushaj Darcy Schrieber Marc Salvaggi Matthew Parks Ryan Stenglein Marc Salvaggi Joshua West Duane Shaw Britton Costa Mark Neilson Matthew Turnquist Matthew Diulus Dan Ikei

Sara Vaz

David Hausman Matthew Parks Robert Kanaan Darcy Schrieber Rodney Ward

SGA

Simon Arias Zachary Hart Michael Vasu Zachary Hart Michael Vasu Michael Vasu Simon Arias Zachary Hart Imran Satti Surace-Smith Zach Hart Altig-Orlovic Simon Arias Altig-Orlovic Simon Arias Surace-Smith Altig-Orlovic Altig-Orlovic Altig-Orlovic Sabrina Lloyd

SGA

Michael Vasu Zachary Hart Zachary Hart Surace-Smith Surace-Smith Altig-Orlovic Surace-Smith Michael Vasu Sabrina Lloyd Simon Arias Altig-Orlovic Richard Correa Simon Arias Altig-Orlovic Altig-Orlovic Giglione-Ackerman Surace-Smith Imran Satti Zachary Hart Zachary Hart

MASTERGENERALAGENTS

MARK DUSHAJ

TROY, MI

MATTHEW TURNQUIST

AURORA, CO

2 DARCY SCHRIEBER

TROY, MI

6 | MARK NEILSON

MILPITAS, CA

ANITA FERRIS

AUCKLAND, NZ

(CUT WEN $ 5

aM 3 Fi MARC SALVAGGI

CLEVELAND, OH

REYNOLDS AKUAMOA

FLUSHING, NY

Eam

! À

0 Y PATRICK KNOUSE

RALEIGH, NC

y JASON GREEN

EARTH CITY, MO

JAKE YAGJIAN

WILMINGTON, MA

REGIONALGENERALAGENTS

RYAN FICKERT

TROY, MI

MATTHEW DIULUS

WEXFORD, PA

MATTHEW TURNQUIST

AURORA, CO

MATTHEW PARKS

CLEVELAND, OH

DARCY SCHRIEBER

NOVEMBER

Rank

Mark Dushaj

Darcy Schrieber Marc Salvaggi Jason Green Matthew Turnquist Mark Neilson Reynolds Akuamoa Jake Yagjian

wo On Qu d WN =

Anita Ferris

10 Patrick Knouse 11 Robert Kanaan 12 Brian Schreiter 13 Jason Bratin

14 Sean Velasquez 15 David Carpenter 16 Britton Costa

17 Matthew Parks 18 Duane Shaw

19 Joshua Dishong 20 DeAnthony Hartman

NOVEMBER

Rank

Ryan Fickert Matthew Diulus Darcy Schrieber Matthew Turnquist Matthew Parks Patrick Bendure Thomas Vena

Corey Helly

wo on nu A UN =

Robert Janev

= ©

Robert Kanaan

1st 6 Mo Agt

$217,730 169,724 82,757 75,058 69,326 68,254 64,496 62,556 61,486 54,537 52,072 51,455 49,953 47,337 46,634 45,618 44,448 44,186 44,129 44,020

Net ALP NTG RET $209,630 79.3 204,130 76.4 167,159 84.8 117,550 78.0 115,557 73.7 161,434 79.2 100,070 72.0 93,922 76.6 83,336 78.2 90,371 72.6 106,615 78.1 82,291 74.5 62,372 84.3 145,474 75.8 70,491 87 71,943 75.0 147,022 83.2 48,925 712 141,504 83.4 43,352 72.4

SGA

Zachary Hart Zachary Hart Surace-Smith Hart-McCallum Richard Correa Altig-Orlovic Theodore Pappas Albert Serur Steve Friedlander Slav Bitman Imran Satti

Joseph Diecedue Simon Arias Cohen-Cohen Dustin Venekamp Simon Arias Surace-Smith Sabrina Lloyd Surace-Smith Zachary Hart

ALL TIME RECORDS: $393,922 1st 6 Mo Agt | $611,151 Net ALP

1st 6 Mo Agt

$507,049 195,387 189,311 178,404 171,424 131,595 117,777 108,100 106,887 100,666

Net ALP

$635,200 327,305 231,670 350,038 485,230 360,454 262,419 278,191 228,639 232,279

NTG RET

74.6 72.9 75.7 76.8 84.2 82.1 76.0 734 72.1 80.8

SGA

Zachary Hart Simon Arias Zachary Hart Richard Correa Surace-Smith Surace-Smith Simon Arias Giglione-Ackerman Sabrina Lloyd

Imran Satti

ALL TIME RECORDS: $669,441 1st 6 Mo Agt — ROBERT JANEV | $1,054,102 Net ALP — MATTHEW PARKS

YTD

Rank

*1 x2 *3

Marc Salvaggi Mark Dushaj Matthew Parks Mark Neilson Daniel Hartwig Darcy Schrieber Andrew Wagner Joshua Krueger Zach Otto

Tyler Worstell Matthew Turnquist Elias Boles

Patrycja Grudzinska Brian Zuzick

Ryan Stenglein Britton Costa Joshua Crisp

Ryan Wilson Matthew Diulus

Steven King

1st 6 Mo Agt

$1,222,786 1,111,571 995,172 815,584 791,138 742,400 694,429 651,261 566,699 556,217 551,044 532,337 521,784 521,427 518,974 509,939 499,059 498,256 479,171 478,908

Net ALP

$3,512,939 1,316,054 2,197,073 1,648,547 2,783,758 1,183,691 1,178,870 951,854 1,488,889 974,675 894,223 912,098 691,607 1,059,597 1,530,240 734,204 695,878 1,322,617 742,592 1,010,976

NTG RET

84.8 79.3 83.2 79.2 80.6 76.4 74.6 79.6 77.0 75.4 73.7 76.6 79.6 78.2 81.2 75.0 7315 78.9 75.0 72.0

SGA

Surace-Smith Zachary Hart Surace-Smith Altig-Orlovic Surace-Smith Zachary Hart Oldham-Gryska Richard Correa Sabrina Lloyd Simon Arias Richard Correa Oldham-Gryska Sabrina Lloyd Laura Fisher Altig-Orlovic Simon Arias Zachary Hart Philip Prata Simon Arias

Zachary Hart

ALL TIME RECORDS: $2,554,545 1st 6 Mo Agt — MARIAN SERTLER | $3,470,564 Net ALP — PATRICK BENDURE

YTD

Rank

Ryan Fickert Michael Laramie Matthew Parks Matthew Diulus Matthew Turnquist Corey Helly

Robert Janev Patrick Bendure Marc Salvaggi

Thomas Vena

1st 6 Mo Agt

$4,083,101 3,181,658 2,990,162 2,288,669 2,155,279 1,920,142 1,895,776 1,885,761 1,489,281 1,389,271

Net ALP

$6,133,525 4,505,935 8,029,742 3,719,516 3,521,320 3,236,269 3,289,447 5,544,060 4,155,463 3,059,579

NTG RET

74.6 72.1 842 72.9 76.8 734 72.1 82.1 84.0 76.0

SGA

Zachary Hart Michael Vasu Surace-Smith Simon Arias Richard Correa Giglione-Ackerman Sabrina Lloyd Surace-Smith Surace-Smith

Simon Arias

ALL TIME RECORDS: $5,230,627 1st 6 Mo Agt | $7,822,932 Net ALP

x STATEGENERALAGENTS

NOVEMBER

ZACHARY HART

DUSTIN VENEKAMP

vet

JAMISON WEATHERSPOON

SLAV BITMAN

v VIE (^ | BYRON PAZ SOULEY BAH NICK MOORE V (0 — —— Vil TOPPERFORMANCEFACTOR P» vill IX X NICK MOORE _ SOULEY BAH HART-MCCALLUM Category X Category IX Category VI 281.3% Performance Factor 199.6% Performance Factor 167% Performance Factor

Top three every month by performance factor.

Category

Surace-Smith Zachary Hart Altig-Orlovic Simon Arias Michael Vasu Richard Correa Cohen-Cohen Dustin Venekamp Matt Henderson Cindy Furer Mathew Hart Jamison Weatherspoon Albert Serur Hart-McCallum Jeremy Welch Byron Paz Allan Jennings Moswen Taylor Travis Moody Erin Allen Johnson-Nelson Greg Graham Souley Bah Nick Moore

Ryan Bisanz

98.5

90.4 104.7

922 142.9 108.2 106.1 122.7 117.9 167.0 134.1 101.0 199.6 81.3 152.1 1243 103.9

113.5 94.1 93.7 90.8 97.6 93.9 93.5

155.4

105.0 932 91.1 90.9

101.3

130.3 923

1322

103.0 92.1 91.8

104.8

103.6

102.2

157.6

268.7

110.5

t Performance factor = (96 F6 Mo Obj + 96 P6 Mo Obj) + 2

Spotlight recognizes State General Agents in Categories I-X and Start-Up with minimum 90% Performance Factor with retention or net to gross standard. YTD Winners for Categories I-X and Start-Up will be recognized at Convention by highest Performance Factor in excess of 100% and the YTD Spotlight number may not necessarily reflect that computation. SGAs must be in their current category a minimum of 6 months to compete for YTD awards.

F6M

$579,322 249,144 $187,791 215,527 $159,998 163,391 $101,635 $102,822 92,494 $186,290 $32,776 58,228 $43,216 $36,536 43,276 28,368 32,797

F6M

$5,364,112 5,079,501 13,129,197 5,794,273 $4,166,336 3,014,651 1,590,060 $1,902,336 1,802,857 $652,162 999,862 979,441 $809,910 $513,309 666,776 $695,893 565,380 465,983 456,940 $419,261 247,128 278,655 $326,489 $63,533 429,145

F6MObj %F6M Obj

$435,000 474,000 $169,000 303,000 $135,000 200,000 $123,000 $95,000 73,000 $113,000 $49,000 61,000 $32,000 $8,500 32,000 13,000 32,000

133.2 52.6 111.1 71.1 118.5 81.7 82.6 108.2 126.7 164.9 66.9 95.5 135.0 429.8 135.2 218.2 102.5

FGMObj %F6M Obj

$5,060,000 4,785,000 13,965,000 6,721,000 $3,399,000 3,333,000 1,859,000 $1,485,000 2,200,000 $671,000 1,485,000 1,353,000 $803,000 $421,000 1,089,000 $539,000 704,000 726,000 517,000 $759,000 204,000 329,000 $224,000 $17,000 352,000

106.0 106.2 94.0 86.2 122.6 90.4 85.5 128.1 81.9 97.2 67.3 724 100.9 121.9 61.2 129.1 80.3 64.2 88.4 55.2 121.1 84.7 145.8 373.7 121.9

P6M

$217,637 394,980 $345,891 200,380 $209,116 171,022 $120,587 $135,890 93,744 $175,931 $94,590 70,317 $63,376 $22,581 37,180 6,685 23,153

P6M

$10,363,375 3,077,717 23,458,380 5,981,662 $2,188,553 1,896,264 3,925,459 $2,511,933 1,789,676 $1,345,517 1,389,217 1,119,384 $961,553 $604,787 393,874 $699,076 774,518 633,620 805,858 $305,657 299,746 318,185 $311,685 $55,623 239,660

P6MObj %P6M Obj

$341,000 63.8 308,000 128.2 $352,000 98.3 177,000 113.2 $125,000 167.3 127,000 134.7 $93,000 129.7 $99,000 137.3 86,000 109.0 $104,000 169.2 $47,000 201.3 66,000 106.5 $24,000 264.1 $17,000 132.8 22,000 169.0 22,000 30.4 22,000 105.2

P6MObj %P6M Obj

$8,569,000 3,751,000 82.1 25,142,000 93.3 6,270,000 95.4 $3,014,000 72.6 1,947,000 97.4 3,872,000 101.4 $1,375,000 182.7 1,397,000 128.1 $1,507,000 89.3 1,210,000 114.8 1,023,000 109.4 $946,000 101.6 $436,000 138.7 319,000 123.5 $517,000 135.2 616,000 125.7 528,000 120.0 847,000 95.1 $198,000 154.4 348,000 86.1 266,000 119.6 $184,000 169.4 $34,000 163.6 242,000 99.0

NetALP % Growth

$796,959 644,124 $533,681 415,907 $369,114 334,413 $222,223 $238,712 186,239 $362,221 $127,367 128,545 $106,592 $59,117 80,456 35,053 55,951

Net ALP

120.9 $15,727,487

8,157,218 36,587,577 11,775,936

$6,354,889

4,910,915

5,515,518

$4,414,270

3,592,534

$1,997,680

2,389,079

2,098,824

$1,771,463 $1,118,097

1,060,650

$1,394,969

1,339,898

1,099,603

1,262,799

$724,918

546,874 596,840 $638,174 $119,156 668,805

6.0 10.4 21.4 -10.4 33.7 9.4 -2.1 34.6 22 146.7 9.5 24.4 134.3

1,386.5

403.1 N/A 819.7

% Growth

32.9 15.1 13.0

2.2 16.0 8.0 12.2

88.2 17.6

10.5

5.7 19

19.6

27.1 -3.2

64.2 27.1

3.6 13.3 -4.5 -A3 19.6

262.4 661.7 1442

NTG

89 93

NTG

92 83 89 93

RET

74.9 74.6 79.3 76.4 75.8 72.6 76.1 74.1 713

74.0 76.5

718

75.9

RET

83.5 74.9 78.2 714 72.5 76.4 79.3 75.8 72.6 76.2 77.1 76.1 713

75.1 74.0 79.6 743 80.6 72.6

71.8

PUBLICRELATIONS

CATEGORY | CATEGORY II

CATEGORY III

MALKA ARONY JESSICA TREYBICK GEORGE FARENTHOLD DAVID SCALISI KRISSA HENSLEY TIMOTHY LEARY CAVE CREEK, AZ POUGHKEEPSIE, NY WASHINGTON, DC MANLIUS, NY TOLEDO, OH BUFFALO, NY CATEGORY IV CATEGORY V CATEGORY VI pe PEEL — [n A We

2 1 SUE AKERS LACY MARTIN RANDY STOCKLEY MICHAEL COOPER STEPHANIE BAUMANN COUNCIL BLUFFS, IA HUNTSVILLE, TX TWILLINGATE, NL DES MOINES, IA SPOKANE, WA CATEGORY VII CATEGORY VIII

2) 2 DIANNA LUEKE ELIF ATICI KATY HOGGE LISA QUEENER BUFORD, GA RICHMOND HILL, ON CENTERVILLE, UT SUMMERSVILLE, WV v7? CATEGORYI CATEGORY II CATEGORY III LLJ - WW = f = = a. if 1 1 e BRIAN RYAN CARMELLA SWANSON JT TASKER — MORTON, PA SANTA MARGARITA, CA N CHILI, NY

PUBLIC RELATIONS CATEGORIES ARE AS FOLLOWS

DEE HETTINGER

WICHITA, KS

Rep Categories I-VIII assigned using average of leads generated last 3 years. For Reps with less than 3 years of service, 425 cards per month was applied for months with no production unless the average of their

actual production was higher. To be recognized at Convention, Rep must meet minimum 8096 of Objective.

Manager Categories I-Ill assigned using average of lead production last 3 years for their respective territories. To be recognized at Convention, Manager must meet minimum 80% of Objective.

INDIVIDUAL REPS: NOVEMBER

Category Rank Cards | 1 Malka Arony 5,294 2 Jessica Treybick 2,623 3 David Blaisdell 2,531 l| 1 GeorgeFarenthold 2,572 2 David Scalisi 2,250 3 LoriVaughn 2,297 Ill 1 Krissa Hensley 1,544 2 Timothy Leary 1,423 3 Donna LaMontagna 1,386 IV 1 Sue Akers 2,239 2 Lacy Martin 1,702 3 Tony Anderson 1323 V 1 Randy Stockley 1,934 2 Michael Cooper 1,378 3 Steve Sanchez 993 Vi 1 Stephanie Baumann 2,067 2 DeeHettinger 1,481 3 Carl Zablotny 1177 Vil 1 Dianna Lueke 1,306 2 Elif Atici 1,272 3 Ralph Beard 938 Vill 1 KatyHogge 1277 2 LisaQueener 297 3 Kevin McKeen 882 Rookie 1 Stephanie Baumann 2,067 IceBreaker — 1 Lisa Queener 297

e 33 INDIVIDUAL REPS: YTD Obj % Obj Category Rank Cards Obj % Obj 2,792 189.6 | *1 Malka Arony 38,953 30,712 126.8 1,644 159.5 2 Brenda Di Somma 24,276 19,966 121.6 2,146 117.9 3 Robin Andrade 23,606 24,663 95.7 1,138 226.0 l| *1 DavidScalisi 22,054 12,484 176.7 1,135 198.2 2 LoriVaughn 20,711 12,872 160.9 1,170 196.3 3 George Farenthold 16,111 12,515 128.7 973 158.7 l| *1 Tim O'Connor 16,278 12,080 134.8 1,039 137.0 2 Leo VanDenBussche 13,201 10,858 121.6 1,022 135.6 3 Gary Rothman 11,049 10,922 101.2 882 253.9 IV *1 Lisa Bennett 12,555 9,733 129.0 876 194.3 2 Sue Akers 12,307 9,704 126.8 940 140.7 3 Lacy Martin 11,388 9,634 118.2 782 247.3 V *1 Michael Cooper 12,550 8,582 146.2 780 176.7 2 Lou Nell Busby 11347 8,471 134.0 833 119.2 Stephen Matous 10,932 9,208 1187 669 309.0 VI *1 Dee Hettinger 9,801 7,856 124.8 714 207.4 2 Lisa West 9,258 7,424 124.7 675 174.4 3 Carl Zablotny 8,856 7,425 1193 551 237.0 Vil *1 Sarah Thomson-Dufrechou 8,445 6,865 123.0 545 233.4 2 Ralph Beard 5,912 5,674 104.2 516 181.8 3 Dianna Lueke 5,952 6,061 98.2 479 266.6 Vill *1 Rebecca Klebsch 10,872 5,346 203.4 124 239.5 2 Katy Hogge 8,622 5,268 163.7 461 191.4 3 Kevin McKeen 7,806 5,073 153.9 669 309.0 T TAG ALLTIME RECORD: 61,879 Cards — DENISE BOWYER

ALL TIME RECORD: 18,960 Cards

MANAGERS: NOVEMBER

Category Rank Cards | 1 Brian Ryan 7,827 2 Cindy Cleary 5,830 l| 1 Carmella Swanson 8,850 2 John Keliher 6,332 Il 1 JTTasker 4,722 2 Billy Sauers 4,062

MALKA ARONY

CAVE CREEK, AZ

MANAGERS: YTD

Obj % Obj Category Rank Cards Obj % Obj 7,576 103.3 | *1 Cindy Cleary 76,007 64,252 118.3 5,841 99.8 2 Beth Farm 64,623 70,211 92.0 5,713 154.9 l| *1 Christa Davis 55,119 51,832 106.3 5,228 121.1 2 Carmella Swanson 62,709 62,842 99.8 4,121 114.6 l| *1 JT Tasker 54,582 45,335 120.4 4,005 101.4 2 Amanda Mlinaz 30,410 31,442 96.7

MALKA ARONY @ BRENDA DI SOMMA ROBIN ANDRADE

38,953 24,276 23,606

TIE

$16,124

—

Bob Olson

Al Alkurdi

atie Massart

Milija Perkovic

avid Ruhara acqueline Kabluyen Muhammed Ashraf oghie Hassan Loo yan Vance

Crystal Larkins

iana Al Ali

ordon Graham riscila Gonzalez Michael van Delft Alesandra Nicaj Blake Tomblin Chad Panzer gan Pham evin Gillum Alan Sedaghat ohn Vacca Brian Cabra Aleksander Prela Mike Sukhbaatar Gian Trinidad Adem Abdula ack Hanna an Picket ania Salas Hurtado Abraham Mogilevsky Hany Mikhail Mohamad Raychouni Brooklyn Mims Candace Dillon

erek Woo

Cameron Ashcroft Alex Gonzales

Lily Sakai

yan Misner

Mike Reed

aniel Souza

i Young Kim

Carl Isidore

aylorr Nathaniel Matthew Zang renton Miller

Larry Carlson

$] 3,555 3,540 3,531 3,493 3,449 3,394 3,376 3363 3,326 3311 3,279 3,273 3,194 3,180 3,150 3,026 3,019 3,017 3,013 3,001 2,984 2,957 2,955 2,889 2,867 2,850 2,845 2,802 2,801 2,800 2,793 2,792 2,782 2,762 2,757 2,748 2,747 2,728 2,684 2,669 2,663 2,656 2,645 2,641 2,634 2,597

* ,

Katie Sod

$10,825 Altig-Orlovic

aniel J Johnson ichard Carter Max Quasem Alectra Kelley ason Isanberg wight Dube hillip Waisman yla Greig oseph Schleicher Andy Dorf Michael Hel Luc Do Alvin Ali ohn Lamere Meardey Kim yan Fogel Andrew Leah Cody Langston ashala Guiden Sylvain Kalombo an Rouleau onathan Black avid Staffiery udith oseph Delaura Samuel Boyle Cathy Dishong ake Murphy Gerardo Gonzalez iberto Carreno Aryeh Freedman ark Lahijani Aljban Jashari hyo Phyo eaghan Krecsko Elhanan Sing yler Schroeder rek Ljucovic ichael Scatena aulant Bane anjana Chopra Stanis Moanda ichael Botond ary Franklin Virakbot Oung Jovanie Scarlett

ner

revor Ba ahmatu Omid

aryl Gra Veronica

Quinn All

anie! Eric Rodri oss Ewel

ames Sn

Hamza A

Sam Char amaris

Arynne Cathleen Chaunte!

ristina Harvey Q Gary Bias Charles R ina Bo

Mark Disl

Alex Miller Matias Orrego

TIL PERKOVIG

$10,057 Zachary Hart

iley $

llah Romal

Sacramento Juarez

ham Bradford

isha Joyner

esse Wise

Hunter Welty Michael Bess Craley

guez n

Luis Miranda anielle Montgomery

ipes

Christopher Leasure Steve Hartman acob Brown Valentino Kalaj

om Weller Christopher Lighty

Christopher Botelho

n rejo

aniel Prinzo obert Ensign

cCarthy Hairston akata

ustin Vincke

andy Souliers Michael Battaglio imothy Copenhaver oachim

uinn

oy hdady

KIN

athalie onathan

anzki Drummond

2,209 2,208 2,200 2,186 2,185 2,180 2,174 2,157 2,155 2,154 2,151 2,143 2,135 2,132 2,130 2,123 2,120 2,119 2,116 2,114 2,093 2,087 2,058 2,054 2,046 2,042 2,040 2,025 2,016 2,016 2,006 2,006 2,002 2,000 1,998 1,985 1,972 1,971 1,968 1,967 1,967 1,962 1,944 1,942 1,941 1,941

^ Son --

DAVID RUHARA

$9,030

Laura Fisher

Jacob Schiaffino Aubrey Kettle

Abena Edwards

Stuart Pagan

Cristobal Tello Alderete urt Overy

Christian Gojcaj

Omar Hashimi Samson Adelufosi

yan Dean anner Duy ulianne Scavo William Sukhenko eau Bequette Orett Nelson Andrew Ball essy Girard oah Bor Valentina Gojcaj Sean Sparkman ellie Patterson jouglas Clarke ca Gordon-White eter Kaplanis oaquin Santos lenny Alvarez awid Liniewski anya Sutton

isa Moniz Austin Smith ose Rubio hilomene Tshimbolela onald Devoise

agdish Sukhu

Gregory Soto oseph Grider Michael Shaba Valencia Ulaj ablo Zetina Shelby Urban Brandon Dusevic inga Filipiak esus Tolentino Casey Jarratt

ia Ghandour Brandon Minor

1937 1932 1911 1,909 1,908 1,901 1,899 1,880 1,879 1,867 1,865 1,864 1,862 1,858 1,858 1,856 1,850 1,849 1,847 1,844 1,826 1,826 1,825 1,823 1,822 1,819 1,819 1,815 1,810 1,809 1,809 1,797 1,794 1,794 1,794 1,793 1,786 1,780 1,780 1,771 1,771 1,768 1,754 1,752 1,750 1,749

Steven Valentim $

ayne McWilliams Alexander Pham ablo Solis Manique Sala ugan

elly Schoenherr Corey Lumley

Lee van Delft oger Fung Cashona Lavergne Alan De Freitas anuel Diaz

Sarah Herbold Evelyn Juarez ichael Desharnais Angelique Piquion Eric LaBossiere

Lucy White Claudia Jacquet ulian Dickinson William Parmeter Zachary Young Aaron Parsons Eric Salado mmacula Didier Omar Billy Bradley Christiansen ean Etahe Limongo Christopher Montbriand icholas Gojcaj Octavio Villa Ellen Schultz Andrew Bishop Andrew Brown Eddie Beleshi ohnathon Bogoslowski Ashley Rust Vasu Patha wanna Tucker Andrew George ebecca Perez ichard Sparkman Mohammad Alalol essica Rosenberg ames McCormick

À f

1,746 1,745 1,743 1,739 1,737 1,733 1,730 1,727 1,725 1,722 1,721 1,699 1,698 1,694 1,689 1,688 1,687 1,684 1,676 1,673 1,670 1,669 1,666 1,666 1,664 1,661 1,659 1,658 1,656 1,654 1,653 1,645 1,643 1,640 1,638 1,632 1,626 1,624 1,623 1,622 1,622 1,620 1,619 1,618 1,614 1,608

$8,545 Altig-Orlovic

$ 1,608 Timothy Silva 1,602 Matthew Hopkins 1,602 Payam Sami 1,592 Kory Louvelle 1,589 Angela Black 1,588 Jesinthan Jeyanthiran 1,588 Braden Hale 1,588 Audrey De La Rosa Carrascal 1,587 Farnaz Fotovat Ahmadi 1,578 Dwayne Nabors 1,576 Amber Fitzmartin 1,575 Lionel Njeukam 1,574 Taqgee Shaheen Khabir 1,572 Jacob Vargas 1,567 lsaiah Bruce 1,559 PhiPhan 1,557 LC Clark 1,548 Daniel Dobyns 1,545 Matthew Wilson 1,543 Dana Velez 1,543 Massoud Vaziri ichael Tolman 1,534 Aaron Chen Tennison Mather 1,533 Bilal Farsakh Anthony Giangarra 1,524 Rhonda Marlnee Stacey Moss 1,524 Paolo D'Andrea Ricardo Benson 1,521 Darrell Sarmiento Stephane Masyn 1,517 Kemberly Sousa arjorie Hutton 1,515 Belaid Belkaid Veronica Coval 1,514 Jedidiah Tropkoff Curtis White 1,514 Amandeep Gill Moraima Mariscal 1,511 Zachary Button yan Bevan 1,511 Anthony Ferraro evin Butchino 1,510 Logan Akers athieu Cook 1,506 Carolyn George Matthew Russell 1,506 Michelle Caouette ustin Allain 1,505 Dylan Murphy Steven Counts 1,505 SaydHopiane ordan Wall 1,504 Yairaniz Figueroa-Ruiz ichael Glynn 1,501 Craig Strompf arc Demilia 1,496 Deborah Karunaratne herese Bolese 1495 Evett Bryan ichael LaPerche 1,495 Devin Husband Bennett Williams 1,492 Funmilola Elumade anh Bui 1,489 Brittany Ketner randon Robinson 1487 Phillip Ray Gloria Mendoza 1486 Ethan Barnt atthew Castelli 1,483 Rose Nelson ony Georges 1,481 Landon Schlag Christabel Ornelas 1481 Richard Whyte Hayden Hill 1,480 Jordan Warner Venita Allen 1,475 Anastasia Martens evin Davis 1463 Danita George Colleen Simental 1,463 Lawrence Wise LaKienya Carson aniel Deufel Carla Brown Luis Suarez Ethan Dewyer aynaldo Lafontant Brian Schmitz Henry Gedeon Brody Maughan-Evanson Christopher Morrison

ram Al-Shobaki anelle Dutra

oel Trask aul Dak

1459 1,446 1,445 1,429 1,424 1,421 1,420 1,417 1,412 1,406 1,404 1,400 1,398 1,395 1,393 1,392 1,389 1,388 1,384 1,378 1,373 1,370 1,369 1,368 1,366 1,364 1,362 1,362 1,361 1,360 1,358 1,355 1,354 1,352 1,350 1,348 1,348 1,347 1,345 1341 1,341 1,338 1,336 1,333 1,332 1,329 1,328 1,328

1,318

Sebastian Correa Mende avid Watkins

yan Arno

ulia Marti james So

ndraj Kala enay Pat Leonardo

aniel Jus "

Fran Nucu oshua We: yler Town

Aaron Medina

ns an r erson erez iw

th Dymnioski

ovic st sley

Shalom Chaimov

avid Rob

homas W Aref Sayeg

yan Ohm

yron Bish

Eri Anthony C

William

anda atie Tu

Clint Perry

Victoria La

jacob Bazi

Marcia McDuff Maria Avila

aul Wilson icholas Martocci Hector Bustamante emesghen Sta urissa Keys oel Jesurun

ins

Emily Reyes arred Spanbauer

iechert h

fa)

oseph Corwin anel Wilder Evelyn Howell ka Torres

hirico

Giovanni Diduro arker Felicia Steele lomingo Rojas athan Hepner cCarty

ohn-Ryan Goguen chelle Schmidt

rystina Romero Padilla Steven Sparkes ert Trypus

mmey

Alan Rosenberg Emily Browning

net

atthew Roebke onald Rivera

1,302 1,300 1,300 1,299 1,298 1,298 1,297 1,296 1,295 1,295 1,292 1,289 1,285 1,284 1,282 1,282 1,280 1,274 1,271 1,270 1,267 1,267 1,265 1,261 1,259 1,258 1,255 1,254 1,254 1,254 1,251 1,249 1,249 1,248 1,246 1,245 1,245 1,243 1,241 1,239 1,237 1,236 1,235 1,235 1,234 1,232 1,232 1,232 1,232 1,229 1,227 1,225 1,224 1,224

Holly Simpson Kaylee Kielczewski Calvin Irving Vishwanath Sankaran Chelsea D Smith Wislaine Laurent Chad McLaughlin Ameliza Bantugan arciso Nieves onstantina Skalkos Emmanuel Fedna essica Boswell Virgile Audibert immy Lu aymond Lau Albert Olesko Benjamin Walker Mark Tusing Analilia Peraza Brielle Killian areem Davis Shontay Thomas Barney Browner aren Fleming Andre Dumas Gerald Dodson William Bryant jasmine Harron Surajit Khanna Mubeen Hussain joshua Jahnish-Maltese Casey Defibaugh aim Abdulahad ason Garland onathan Growe aul Rhoton

avid Eggleton Celinda Flores

ibor Simon Zoltan Krecsko Chelia Norberg Cameron Cimino oanna Hansen Asad Ahmed effrey Witherall ara Haughney Alexis Tran Christopher Bungay Alex Shand

andy Bentley john Nell

Carrisa Korres atalie Soboleva Alejandro Salazar

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

1222 1221 1221 1217 1217 1215 1213 1212 1,209 1,209 1,208 1,208 1,206 1,205 1,203 1,203 1,202 1,202 1,201 1,199 1,196 1,196 1,195 1,195 1,194 1,194 1,193 1,191 1,190 1,190 1,190 1,190 1,189 1,188 1,187 1,187 1,186 1,182 1,181 1,180 1,172 1,166 1,166 1,164 1,163 1,163 1,161 1,160 1,160 1,153 1,147 1,145 1,141 1,141

atrick Locke

Sina Heak Christopher Payne Cory Cannataro ameel Pleasant ina Dolman ocelyn Appleton oxanna Lugo-Cuevas Corey Fjerstad evin Kirubaharan essica D Smith Latora Arceneaux erya Ekren Benjamin Sager Hazem Aboueldahab Louis Thacker Michal Green Carmen Arroyo earlysa Johnson Stella Roznovan ennifer Wall Lucas Bauer

ave Blaye ennifer Wehrle ydia Ortiz

Eldine Mpanzu acob Garza Spencer Owens enan Hyseni Maddeson Coder aitlyn Everts enjamin Twerskoi Vanessa Siebold yan Lucido Stephen Fougere enjamin Ainscough ark Patterson Adam Ziac

Shane Van Heerden ichael Trinh

Ann Marie Taylor ose 0 Garcia

aidi Gaci

evin Amador ashan Brown ireille Laventure Aman Singh

enzel Banford ary Robinson Colin Ghee eShawn Price Joshua Hammond Stevie Young Jason Pavunkovic

1,138 1,131 1,129 1,128 1,127 1,122 1,118 1,118 1,116 1,115 1,114 1,114 1,114 1,112 1,112 1111 1,109 1,108 1,107 1,106 1,104 1,103 1,102 1,102 1,099 1,098 1,096 1,096 1,092 1,089 1,086 1,082 1,081 1,079 1,077 1,074 1,074 1,072 1,071 1,071 1,070 1,070 1,068 1,067 1,065 1,065 1,065 1,060 1,058 1,058 1,057 1,056 1,056 1,055

ahdi Wade anya Kuzmenko on Golin Shehariah Goodman Allen Landeen atrick Bolton ason Gomez Charles Powers aniel Kim Shaun Race Maurice Coleman ichael Jenkins onathan Giaco Geddes Robinson Lisa Peralta Cameron Bloomer ames Clark Jr ustin Nispel Sanaz Mirza Baig ony Almeida aphne Williams athan Petersen aniel Pettit oseph Elliott enna Danielli Berline Belton Laurence Moore Bartosz Smolenski yan Locke astriot Useni achel Westman roy Quintal

eodore Ryan Shari Turner oseph Massucci acques Jean-Francois ia Mitchel Ashleigh Broussard iad Trigo Moradnia Shonda Lewis erek Sandilands Shjondel Curtis Renee Cunningham elissa Los anielle Williams Brendan Bradfield jason Lasure aniel Franke Betsy Adney ennifer Hackett Arik Robinson rendel Taylor Obed Hernandez evon Green

£o

1,054 1,053 1,048 1,048 1,045 1,043 1,043 1,043 1,042 1,041 1,041 1,041 1,039 1,039 1,035 1,035 1,034 1,034 1,034 1,034 1,034 1,033 1,030 1,029 1,028 1,028 1,028 1,027 1,024 1,022 1,021 1,020 1,019 1,018 1,018 1,015 1,014 1,014 1,012 1,012 1,010 1,010 1,009 1,009 1,004 1,004 1,003 1,001 1,001 1,001

Scott Hannon

ctoria Varney Gabriela Reyna oshua Rosen

omie Murphy Carlos Garcia

Adam Chesney Laurekins Pardovani Carl Cadet

Zachary Pim

Latoya Smith dTimler

avid Melendrez omas Ivezaj Omeda Swinemar Sumedh Basani onald Woody Pedro Guerrero srael Taylor Alexander Del Castillo anielle Euell

Avery Allmond

oseph Ardoin

aniel Rocha

Ashley Silva Young Lee Malissa Nunes

Aleshia Warner

Sunnie McRee

errius Taylor

Matthew Cessna

avid Basnett

heodoros Morisis

Evelin Castro-Sharif ulina Quessa

Aziz Farsakh

achel Seddon

oshua Arsenault

oshua Chalman

Shelbi Sofranko

ailah Hester

Stephan Dolic

alia Simon

orette Thomas Montoya rittany Knox

elvin Lanier

Harry Springer

adine Jean-Gilles

ayla Mumford

Mandale Tolefree

[=]

SLCADOKSHIABO

$46,586

Altig-Orlovic

S| 46,586 44,786 42,709 36,685 28,966 24,736 19,591 19,159 19,112 19,065 18,327 16,873 16,807 16,315 15,872 15,542 14,425 14,395 14,240 13,828 13,615 13,181 13,108 12,929 12,689 12,490 12,206 12,178 11,688 11,662 11381 11361 10,797 10,558 10,481 10,388 10,376

9,938 9,842 9,732 9,684 9,567 9,520 9,487 9,405 9,269

ark Neilson

arc Salvaggi

ark Dushaj

Darcy Schrieber

obert Kanaan

atthew Parks

Sara Vaz

Doreen Ryan-Foti

yan Stenglein

Elyse Bryan

Sean Velasquez

Blake Higuchi

avid Wang

Shahab Mahdavinejad

Bobby Gujral

jason Green

Bobby Szwaja

Britton Costa

atrick Knouse

Scott Wheeler

eynolds Akuamoa

Brian Zuzick

Jonni Ng

aniel Hartwig

Elias Boles

Edward Nguyen

Zach Otto atthew Turnquist ina Janti

ake Yagjian

Christopher Hintz

Joshua Crisp

Ernest Powell

elinda-Rae Lyse

John M McGrath

jason Bratin

Corey Helly

Dominic Telymonde

George Kamel

Christopher Botelho

ark Beckford

Steven King

ichael Musso

Begona Patino-Lopez

Yemi Akinade

Jeffrey Hudson

$| 9210 9,022 8,959 8,942

$44,786 Surace-Smith

Andrew Wagner ustin Dunlap icholas Scordos yler Worstell Daniel G Johnson ahadai Kryshundayal Harold Durana

Jeffery Thiel

Josh Bloomquist Kyle Lewicki

organ Lobello

ina Boghdady Matthew Conrad asr Quadri

Brent Bowling Joshua Krueger Beau Locker eaghan Krecsko William Robinson chmond Gerrish London Burnett Anita Ferris Andrew McQuade icholas Lorence Glenn Martin Joshua West Eugene Garcia

aul Kelly Joshua Dishong oger Fung Brandon Summerton Chad McLaughlin Alex Roland

Janet Quintana Fritznel Octave Walter Icaza George O'Shea erek Foore AshLynn Orng Lorena Barriere DeAnthony Hartman uane Shaw Corey Hallam Justin Adams Carlo Buhay ichard Mansfield

$| 5,780 5,780 5,767 5,764 5,726 5,598 5,537 5,519 5,481 5,463 5,443 5,359 5,349 5,336 5,327 5,303 5,259 5,246 5,108 5,086 5,086 5,076 5,051 4,970 4,945 4,915 4,864 4,861 4,785 4,763 4,743 4,674 4,636 4,621 4,593 4,520 4417 4,407 4,397 4,378 4371 4363 4,310 4,178 4,158 4141

$42,709 Zachary Hart

Kimberly Hamilton $ atthew Diulus

Ashley Flood

Lamar Livingston

Alex Kae yan McIntosh ustin Dunbar ic lagulli Alix Albright yan Wilson Shai Mate atrick Stenglein Jesse Benwell acqueline Kabluyen Bruce Viaje

ichael Mandella Jonathan Emura Atta Saleh Alma Lozano Demitrius Lucas Jessica Wilhite Cara DeFiore aul Samra Stephen Giddens Jeffrey Hall atricia Cicerale Brian Schreiter ichael DeGiovanni acole Newbold Jesus Parra

Chris La Fond Shalom Chaimov aul M Smith

Sokol Fazliu

Yuriy Kosovan Andre Hawthorne ichael Russin Joshua Randolph Jordan Reinhold Carlos Arballo

Aden Schrock

Alon Fischer Anthony Theriault Peter Gabranski Craig Strompf Daven Hermosura

Dhd

DARCY SCHRIGBER

eter Kwiatkowski Gregory Sampat Jonathan L Jones ichael Clemente ablo De La Cruz Jinelly Urena eserick Davenport ravis Stucki

ichael Gerstein Charles Ferrari odney Ward Emma Sermos Elvis Durakovic Hirenkumar Patel Joseph Kanaan Kanon McGee Sylvain Kalombo Francis Ingulli John Sparby atthew Cartwright Andrew Hynan an Ikei Arman Masomzadeh Aaron Friedlander Levar Morgan ichael Stuver Juan Rivera Joshua Yurinko Sean Sparkman Joy Vann-Austin allory Eggleton ike Paragiou oghie Hassan Loo Christina Jauch Liam Flaherty homas Huynh Saul Lopez homas Longino avid Higa Laura Dennee David Rigney Alan Fricke Joseph Tomanovich Kay Pomroy ia Mitchell Anthony Greco

$36,685 Zachary Hart

$| 3,053 2,991

icholas Engrav

Dana Black

2,955 Pedro Lemos

2,911 Rita Haidinger

2,898 Samy Jacques

2,884 Alex Paguio

2,878 Paul Zuzick

2,857 John Ophals

2,850 Natalie Linker

2,833 Phillip Waisman 2,827 Troy Plummer

2,825 Ryan Misner

2,812 Alexandra Berberich 2,799 Duni Olusegun

2,782 Rex Munsey

2,778 Gevorg Yanukyan 2,697 Christina Meyer 2,686 Aaron Chen

2,628 Rachel Brown

atrick Duray

obert Park

2,571 Hunter Houvener 2,556 Christopher Rodriguez 2,538 Eric Salado

2,536 Shane Cabral

Aziz Farsakh

ames Cassie

Deana Plaster

aul Rojas

atrycja Grudzinska Alberto Alcala

Aaron Lammey

Jenna Grula arisa Willgruber Andrew Chambers Jorge Guerra ravis Picklesimer David Hefflin

Bilal Farsakh Brandon Minor egan Johnson Steve Bryant atthew Cessna Jesse Spencer Jessica Santamarina Dwayne Nabors

$| 2,258 2,234 2,213 2,209 2,197 2,196 2,185 2,182 2,145 2,136 2,128 2,119 2,077 2,070 2,065 2,041 2,038 2,022 2,015 2,013 2,008 2,006 2,005 1,984 1,982 1,968 1,967 1,966 1,964 1,956 1,943 1,920 1,900 1,881 1,867 1,865 1,853 1,829 1,824 1,791 1,787 1,770 1,765 1,759 1,752 1,746

$28,966 Imran Satti

$ 1,746 Jason Holmberg 1,737 Oscar Cardoza 1,723 Bryant Logan 1,713 Jacob M Davis 1,701 William Tompkins 1,691 Iris Saavedra 1,682 Devin Adams 1,669 Tanner Duy 1,668 Karen Lamey 1,660 Rupinder Toor 1,623 Paul Streater 1,622 Daryl Graham 1,608 Daniel Dunham 1,607 Ariana Jones 1,554 Calvin Shaw 1,552 Patrick Rieger 1,546 Steven Warner 1,544 Christopher Bennett 1,541 Justin LoPatriello 1,540 Evan Holzhauer 1,537 Jeremy Rivers 1,537 Harjeet Rana eter Cappuccio 1,533 ReneeCunningham John Conard 1,527 Michelle Martinez Aviles ade Beck 1,514 Lindsey Dettwiller elisa Rodriguez 1,512 Nicole Sanders ravis Vaughn 1,505 Young Lee Anthony Ferraro 1,489 Ryan Tomajcik evin Davis 1,487 Jamell Ramsay ucker Gregor 1,480 Bernard Ballou risten Brown 1477 Bryan Juskiw ario Hajro 1475 Brett Maurice EricThompson 1,463 Luaao Leota George Bort 1452 Michael CWilliams Amr Shater 1451 Tony Geer auri Ramirez 1,449. Joshua Reyes James Tolley 1,419 David Herchick Edmaggie Myrthil David Hausman atrick Guthrie Steve Hartman Kevin Appasamy Oleg Novitchii avid Staffiery icardo Subero Calvin Irving enno Glick Aaron Haynes Herman Fennell Fran Kolos Erica Robertson Joseph McCallister Samuel Cohen Belaid Belkaid Alexander Johnston Andrea Petty David Nham Adem Abdula imothy Bugge ravis Kovach Kerlens LaRose Lynn Jenkins Bradley Bidner Andre Bent Joshua Goodman Jeramey Pitman Omar Billy Cody Langston

Landon Schlag erron Alexander Alifonzo Garcia Brandon Crosby Lalitha Janardhanan James Harding Charley Forshee Evan Donoghue enelope King Daniel Charron Jessica St Pierre aurean Flournoy ark Tusing

Cory Cannataro Arthur Mdntyre Zoltan Krecsko ack Doby inh Phung Joshua Bacchus

Angel Martinez Christopher Buttacavoli James Keefer aylorr Nathaniel David Duddy William Soulier Christopher McFoy athaniel Oliver Edwin Delgado uhammed Ashraf aurice Coleman Allan Allas

Alta Herpel

Lara Wyatt

Justin Allain

icah Focken obert R Hamilton Jamie Winters

1,149 1,149 1,138 1,138 1,104 1,098 1,097 1,086 1,082 1,082 1,067 1,065 1,061 1,055 1,051 1,045 1,044 1,033 1,033 1,032 1,031 1,030 1,013 1,012 1,010 1,003

974

Jordon Barron $ Alejandro Pineda

va Plummer

elinda Skinner ansey Vazquez Brenda Fox

Yamid Mendoza Sanchez iffany Fallow atthew Castelli Karen Salek-Cuzmar Angela Landry Angela Rodriguez Eric Watson

Connor McCollum Yihsin Huang William Parmeter Shanita Ellmers Jordan Lacy

Derya Ekren

Eric Peyton

Cara Griffin-Locker ario Andres Chavez Francesca Veltri

ara Haughney atthew Blue Garrett Shelton

Eric Snyder Alexander Galindo Venita Allen

Steven Baum Johnny Ramos Clayton Slaughter Amanda Peterson Sina Heak

Adam Kidikas Javier G Diaz

Steven Barton

892

877 874

856 851

Emil Mohareb David Basnett artha Zelaya Aaron Cooper Jennifer Jaikes abitha McDermid Christopher L Clark asey L White

yan Witham Joseph Sarasin Jaclyn West

Deonte Jones Armando Benitez Ojeda revor Mayer Cristina Fox

Barbara Seyoum Abraham Weissman Jennifer Reed ichard Millington jatthew Russell Alain Abaya

aniel Walton Justin Hermann Jimez Parker onique Safari Vanessa Cohen Jose Viramontes Damaris Henderson Jason von Rosenberg Brandon Neal

ylan Johnson aniel Martinsen Akshay Toora

obin Gonzalez Brandon Haley Bryanna Campos Christopher Dicks

iffiney Harmouche ickey Adkins Kevin Wolfe Sean Hansen Joshua Lowman aynaldo Lafontant ichelle Olivo Adrain Alfred Dean Gushi ichael Sherwood ichard Pazak Arthur Trost Dashan Brown Stefan Johannsson Bradley Jensen ames Sherwood oger Rau ickoy Hylton Victoria Varney Shayla Williamson Stephanie Lovins andale Tolefree atthew Ficarra ichelle Fong athan Doyle Andrea Kessler Jorge Leon Antonio Evans Jessica Vaughn Dylan Murphy Samantha Ralston Shiv Patel Matthew Simon Southern Foster Corey Cox Anthony Ferguson Avi Kauderer

525 519 514 513 504 502

olly Simpson achel Elfenbein Taylor Black Rubin Chaimov Skylar Chauvin Azar Afnan Zachery Kertulis Chirotam llokwu Elliot Rush Alipate Makaui Joseph Miller Ashley Wenning Omar Fernandez Kevin Lowery Alma Lopez George Shafiek Kastriot Useni Joseph Schleicher Gerard Armstrong Hayden Hill Stephanie Harris Blake Dempsey Antonio Flores Sean Thormann Kimberly Tagliavia oberto Navarro Samuel Barriere Devon Chapman aisy Pyeatt heodore Ryan icholas Deliberto

H R

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A Sayo DIRCCT CODE FIELD STRAINS BONUS Q

-—

DIT ME PATRICK BBNOURE QUA CHESTGY

$46,010 $25,481 $19,021 $14,289 $12,586 $11,997 $8,717 $6,650 Zachary Hart Surace-Smith Surace-Smith Zachary Hart Zachary Hart Zachary Hart Altig-Orlovic Simon Arias

$ 46,010 Ryan Fickert $ 4,569 Evan Holzhauer $ 2,284 Ryan Wilson $ 1,569 Patrick Rieger $ 969 Sokol Fazliu $ 621 Menno Glick $ 14,289 Adam Chesney $ 2,150 Adam Kidikas $ 1,496 Sherry Schick $ 1,187 Brooke Bogs $ 923 Alexis Tran $ 784 Scott Bollwage 25,481 Matthew Parks 4,524 Michael Laramie 2,249 Morgan Lobello 1,531 MarcSalvaggi 968 Stephen Giddens 618 Brandon Minor 12,586 Dario Messina 2,139 Chirotam llokwu 1,493 Dale Canterbury 1,179 Payam Sami 920 Trenton Miller 777 Antonio Evans 19,021 Patrick Bendure 4,033 Corey Helly 2,239 Ryan Stenglein 1,528 Darcy Schrieber 937 David Nham 618 Ryan Mcintosh 11,997 Joseph Gojcaj 2,132 Aleksandra Rakovic 1,486 James Sherwood 1,160 Lars Olivan 920 Muhammed Ashraf 777 Steven Barton 14,587 Levar Morgan 3,893 Brandon Summerton 2,137 Brett MacCannell 1,516 Trevor Mayer 881 DuniOlusegun 617 AlexKae 8,717 Tina Janti 2,078 Joseph Kanaan 1,467 Jarred Spanbauer 1,148 Zachery Nelson 915 Sina Heak 773 Emil Gamidov 13,717 Matthew Diulus 3,577 John Conard 2,131 Bobby Gujral 1,490 Joshua Olin 856 Dustin Dunbar 611 Michael Musso 6,650 Mark Darling 2,070 Barkley Collinson 1461 Emil Kirubaharan 1,146 Alipate Makaui 915 Daniel Prinzo 772 Jakob Morris 11,097 Steven Redd 3,520 Beau Locker 2,129 Jinelly Urena 1,391 Blake Higuchi 781 Levi Porto 570 Alex Roland 5,530 Amber Fitzmartin 2,038 Avery Hearn 1,454 Matthew Buttaro 1,144 Kelly Meier 911 Shayla Williamson 758 Keith Doran 11,040 Salman Satti 3,509 Jake Yagjian 2,121 Chris La Fond 1,316 Samantha Ralston 771 Samuel Cohen 569 Dustin Holtz 4,253 Jeffrey Espinal 2,029 Moises Galvan 1,453 Matthew Blue 1,142 Kemberly Sousa 907 Raynaldo Lafontant 754 Alexander Rollo 10,336 Nicholas Lorence 3,258 Steven King 2,112 Michael Gerstein 1,276 Ricardo Subero 742 Syed Quadri 531 Michelle Martinez Aviles 3,729 Priscila Gonzalez 2,015 Sierra Healy 1,449 Carson Burrell 1,131 Kristen Brown 905 Alexander Johnston 754 RichardTabanji 9,203 Thomas Vena 3,229 RandyTeyssier 2,104 Andrew Batten 1241 Martha Zelaya 741 Britton Costa 522 Jordan Chalom 3,641 Gian-Paolo Diberardo 1,998 Michelle Olivo 1,42 Charles Giaquinto 1,125 Christa Bartol 903 JuanRamos 753 Colin Weathers 8,888 Christopher Hintz 2,791 SeanVelasquez 2,104 Kevin Appasamy 1,214 Rita Haidinger 739 Michael Cirelli 504 Nasr Quadri 3,620 Robert Adrahtas 1,971 Colin Quigley 1,40 Marcus Piccirilli 1,106 Fredy Romero 893 Aaron Dupras 751 Nathaniel Newberry 8,359 Ryan Hal 2,684 Luay Ghawi 2,100 Paul Kelly 1,151 Brian Zuzick 715 Shai Mate 3,603 Ariana Jones 1,936 Timothy Stewart 1,30 Justin Diaz 1,103 Kristina Joachim 887 Heather R Smith 751 Olja Holovcuk 8,358 Matthew Turnquist 2,509 Patrick Knouse 2,088 Doreen Ryan-Foti 1,113 Stephanie Lovins 698 Nikola Subotic 3,556 Landon Schlag 1,925 Trevor Bailey 1,22 louis Thacker 1,092 Joseph Rotolo 885 Mary Franklin 750 Nina Blackmon 7,687 Robert Kanaan 2,462 Daniel Hartwig 2,082 Steven Engrav 1,096 Andrew McQuade 684 Stephen Jeung 3,258 Joel Trask 1,915 Joshua Yurinko 1412 Michael McKiernan 1,077 Alexander Pham 885 Mariam Shahid 744 Paul Vassallo 7,102 Justin Adams 2,385 Mathew Mealey 2,060 John Ophals 1,067 Harold Durana 661 Marissa Cunningham 3,222 Lindsey Dettwiller 1,909 Karen Salek-Cuzmar 1,407 Rubin Chaimov 1,076 Carla Fortner 882 Bretta-Jean Cahela 742 Katrina Collie 6,034 Robert Janev 2,308 Patrick Stenglein 1,969 Brian Schreiter 1,030 John Sparby 654 |-Perfection Harris 3,107 Sylvain Kalombo 1,901 Lidia Meglei 1,03 Jeffery Roland 1,073 Buffey Kunkle 881 Oleg Novitchii 739 Charles Carroll 5,243 Hunter Houvener 2,290 Troy Plummer 1,883 Michael Clemente 983 Magda Figueiredo 654 Charley Forshee 3,088 Evelyn Howell 1,854 Rovena Lulgjuraj 1,398 Melisa Rodriguez 1,073 Ronald McCormick 879 John Clark 730 Tiffiney Harmouche 3,076 Joshua Lowman 1,837 Phillip Waisman 1,396 Skay Nusenu 1,071 Susan Bedrossian 874 Noel Bonomi 728 Bobby Davis 3,061 Barney Browner 1,814 Philip Eggleton 1,389 Jonathan Black 1,069 Alisha Anderton 867 Dean Gushi 727 Wilnes Chery 2,952 Elvis Tinaj 1,799 Michael Jennings 1,381 Kierra Goodwin 1,067 Laronne Gwynn 859 Janay Kitchen 724 Victor Ramirez 2,855 Michael van Delft 1279 Marta Muniz 1,373 Kimberly Free 1,064 Micah Focken 857 Aaron Piotrowski 724 Connor McCollum 2,837 Aaron Patt 1,761 Cyan Kissinger 1,371 Michelle Fong 1,064 Jesus Tolentino 857 Braden Wiscombe 720 LaDelus Brown 2,809 Joseph Wilson 1,728 Anna Pidlypchak 1,371 Awa Babou 1,060 Travis Johnson 856 Michael Novosel 720 Aaron Parsons 2,808 Dashan Brown 1,725 Kerry Zorns 1,359 Jladleeters 1,050 Kalen Dugan 854 Azar Afnan 716 Dustin Grubbs 2,794 Jonathan Daal 1,720 Cristian Alaimo 1,357 Matthew Roebke 1,037 John Santosuosso 854 Kempton Perry 715 Hubert Brown 2,768 Clint Perry 1,717 Rosemary Soto 1,354 Ashley Hutson 1,036 Paul Maria 853 Devon Chapman 712 EricButt 2,679 Zachery Kertulis 1,689 Halima Smith 1,339 Ryan Bevan 1,036 Holly Bonhorst 850 Michael Foret 708 /lata Titova 2,675 Narcis Buncianu 1,682 Desarae Freeman 1,330 Donte Grant 1,035 Jadwiga Martins 846 Timothy Wilson 705 JamesSnipes 2,668 Patricia Contreras 1,672 Filiberto Carreno 1,328 Colette Valrie 1,019 Emmanuel Fedna 846 Haneefah Morehead 704 Marques Holmes 2,567 Travis Vaughn 1,668 Joseph Jacob 1,326 Joshua Lynch 1,013 Jason Holmberg 844 Jackson Hamilton 698 Abel Gamo 2,549 Laron Epps 1,666 Ashley Gallegos 1,324 Jessica St Pierre 1,013 Taurean Flournoy 835 Armando Aiello 694 Shelby Justice 2,486 Todd Riescher 1,665 Christopher Ross 1,320 Brian Brantner 1,011 Paul Slusser 832 Jared Guglielmino 692 Yamid Mendoza Sanchez 2,475 Daisy Pyeatt 1,662 Roberto Navarro 1,319 Sean Gillespie 1,011 Won Kwak 822 Gerilyn Bertoli 687 Donald Stone 2,461 Kyra Hopkins 1,644 Victoria Varney 1,293 Alan Arellano 1,008 Monica McKinney 821 Evett Bryan 682 Elizabeth Vega 2,460 Clayton Slaughter 1,636 Kasey L White 1,273 Steven Rios 1,004 Michelle Soto 814 Skylar Chauvin 682 Angel Martinez 2,454 Maurice Coleman 1,618 Megan Connors 1,270 Reese Turner 996 Dwayne Nabors 813 Jacob Brown 681 Patrick Ngangyou 2,379 Renee Cunningham 1,616 Danielle Morales 1,269 SeanSparkman 996 Benjamin Twerskoi 811 Jeffrey von Kienast Tchounchui 2,338 Ryan Ohm 1,602 Ebuwa Otagho 1,268 Hannah Holmes 994 Alejandro Pineda 810 Luaao Leota 679 Claudia Jacquet 2,324 Jacob Kieffer 1,595 Elizabeth Trotter 1,264 Derek Pratt 974 Michelle Caouette 805 Kevin Kondrad 675 Michael Sherwood 2,308 Taulant Bane 1,591 Bryan Hip-Kam 1,263 Narciso Nieves 971 Karen Davis 803 Drew Kier 675 Andrew Severson 2,233 Joshua Jahnish-Maltese 1,588 Luke Skotnicki 1,262 Adriana Aboulwafa 958 Angela Waller 799 Antoinette Williams 656 Arthur Trost 2,205 Taylorr Nathaniel 1,580 Tanya Sutton 1,254 Aden Schrock 958 Brian Schmitz 799 Tyson Kiertucki 656 Evelyn Juarez 2,195 Justin Allain 1,578 Adrain Alfred 1,237 DeShannon Boyd 957 Jasmine Rosario 798 Brandon Crosby 654 Teresa Lampasona 2,194 Doron Freud 1,550 Donald Devoise 1,231 Joshua Hammond 955 Juan Montana 797 Edward Rangel 654 Eric Watson 2,194 Colton Gould 1,538 Bradford DeLuca 1,225 Brandon Haley 950 Daniel Chousa 797 James McCormick 654 Miguel Fajardo 2,159 Jose Viramontes 1,527 Chelsea Peacock 1,207 Derek Woo 936 Austin Timmons 786 Mary McMullin 654 Nathaniel Oliver 2,159 Shane Valentine 1,527 Donald Gregoire 1,202 Sarah Williams 932 Nathan Doyle 785 Haydn Daniel 653 Riche Haye

d >< wd

» LBS LE NICHOLAS GSP JOSPH B SMITH MITCHELL LOOK $5,484 $3,814 $2,520 $2,000 $1,655 Don Foti Sabrina Lloyd Simon Arias Surace-Smith Albert Serur

NOVEMBER BONUS LEADERS | PAYOUT: $59,793 | QUALIFIERS: 160

$ 651 Cameron Cimino $ 622 Caitlin Crowley $ 597 Gerard Armstrong $ 576 Zachary Whipple $ 546 Leonel Lazcano $ 516 Seth Frisby-Jack $ 5,484 Sami Mogannam $ 1,637 Bradley Weigand $ 1,087 Paul Helling $ 719 Nikki Crosby $ 555 Lisa Phillips $ 541 Arthur Westergren

651 Bryon Eddinger 620 Alectra Kelley 597 Calvin Irving 576 Sabeenan Jeyaratnam 546 Joseph Schleicher 515 Hilary Arsenault 3,814 Nicholas Gasparro 1,381 Dason Phaul 1,018 Dawid Liniewski 716 Lenora Blackstone 552 Aldina DaRosa 536 Stacey Cofer

646 Thomas Farrell 618 Cedrick Edwards 593 Francesca Veltri 569 Cristina Fox 543 Bryan Salvadore 515 Kanella Glimenakis 2,520 Joseph B Smith 1,363 Ashley Bodnar 940 Abena Edwards 675 Maria Ramirez 550 Susan Bergh 511 lily Sakai

646 Alexandra Longo 614 Stephen Coons 590 Brandon Foster 566 Ryan Friebis 539 Tabitha McDermid 511 Deonte Jones 2,000 Mitchell Look 1,206 Bryan Czajkowski 787 Joseph Faisant 615 Wislaine Laurent 549 Christopher Chovanec 505 Scott Dillingham

645 Daniel Foore 612 Mario Hajro 590 Iffrah Tahir 566 Wadnerson Boileau 537 Joseph Harnden 507 Tomarus Burks 1,655 Maurice Baritz 1,162 Nabil Spahi 757 Laurekins Pardovani 594 Glyn Hurst 547 Muhammed Ashraf

642 Keona France 610 Richard Millington 589 Kerry Matthews 557 Sarah Gilmore 535 Karla Stewart 501 Rahmatullah Romal

640 Carrie Padgett 609 Anthony Theriault 588 Travis Kovach 553 Thomas Longino 533 Diane Stevenson Omid

640 Clifton Henry 608 Ariel Demesa 588 Daniel Charron 553 Jordan Warner 533 Corey Plemons

637 Candy Henderson 605 Gustavo Avila 584 Allan Allas 552 Leon Keith 531 Darius Rowan

633 Bethany Evans 604 Corinne Gamble 582 Tamara Harvey 552 Manale Elawad 528 Young Lee

628 Tara Haughney 603 (andi Carlisle 578 Barbara 548 Kamal Tayyib 526 Vanessa Cohen

625 Ekaterina Andreeva 600 Anthony Watson Escalante-Martinez 547 Kevin Butchino 516 Austin Hamilton

BONUS TOTAL:

$5,047,742

WORLD'S GREATEST LEADERSHIP RGA LEADERSHIP SA/GA TRAINING REINSTATEMENT

$2,092,849 $1,984,720 $363,462 $546,918 $59,793

All qualifiers listed achieved at least $500 in bonus totals | WGB qualifiers achieved at least $1000 in bonus totals

^ November Qualifiers-

Outstanding Producers & PR Representatives:

Al Alkurdi Priscila Gonzalez Kevin Gillum Bob Olson Altig-Orlovic Surace-Smith

5 Qualifications 3 Qualifications 1 Qualification $347,944 Net ALP $142,311 Net ALP $93,495 Net ALP 81.5 RET = 78.9 RET 91.3 RET

Scott Florin Tiffiney Harmouche Paul Smith Zachary Hart Surace-Smith Surace-Smith

1 Qualification 1 Qualification 6 Qualifications $70,645 Net ALP $60,792 Net ALP $57,736 Net ALP 89.5 RET 83.7 RET 89.4 RET

Jose Rubio Malka Arony David Scalisi Altig-Orlovic Arizona New York State

1 Qualification 7 Qualifications 1 Qualification $54,509 Net ALP 29,551 Cards 11,664 Cards 82.7 RET

DIRECTORS — — OF THE MO NI TUI

PR Director of the Month —1

Sales Directors of the Month

IN - M ——- = ——

! Jason Beckman = 4 Jason met 123.12% of Objective during November 2017.

over November 2016. over November 2016.

Murray ‘| Renee “Horowitz Jeffries Recruiting Training

Murray had 96.48% growth Renee had 16.42% growth

Roger Smith Chief Executive Officer AIL Agency Division

HOW LUCKY | AM TO HAVE SOMETHING THAT MAKES SAYING GOODBYE SO HARD. — A.A. MILNE

HAVE SAT FOR WEEKS TRYING TO FIG- |: out what to say that is befitting the

last time I will be addressing you as CEO of American Income and National Income Life. Each time I wrote something, it ended up sounding more like a eulogy at my funeral than some last inspiring words.

I thought about telling you my life story again; how I was on the streets of LA by the time I was 15, finally got my GED, married, and divorced, all before the age of 18. I've talk- ed about the odds of me finding any success in life being about nil. I finally decided to keep this short and sweet by sharing 4 or 5 life les- sons that, hopefully, will help find the truest version of success for you.

LESSON NUMBER 1: WHATEVER IS HAPPENING IN YOUR LIFE RIGHT NOW ISN’T AS GOOD OR BAD AS IT SEEMS. The good times dont last forever; thank God the bad times don't either. That's just life being life. I remember how tough that was for me when I first started as an agent. Id have a great day, close everybody I talked to, and then the next day couldn't close anybody for the life of me. It's one thing to tell yourself it's a num-

bers game. It's another thing when you have to pay the bills and you're in one of those cant- close-a-thing weeks. It all evens out.

LESSON NUMBER 2: DON’T REACT.

Former Torchmark CEO Mark McAndrew first taught me this life lesson after I had writ- ten a scathing email in the heat of the moment

RESPOND,

and pressed Send. Mark helped me realize it doesn't take any effort to react, to do whatever comes to mind and press Send. But an effective response to a circumstance takes intelligent thinking, planning and diplomacy. I know this is easier said than done, but it is essential to success.

LESSON NUMBER 3: COMMUNICATE, COMMUNICATE, COMMUNICATE.

I don't care whether were talking about your spouse, kids, friends, people you work for, people you work with, people who work for you — every conflict you have ever had, and are going to have, can be traced back to either avoiding communication, or not com- municating in the right manner.

How you say what you want to express is often more important than the actual content. Spend time thinking about what you want to communicate, then spend even more time thinking about the best way to say it.

LESSON NUMBER 4: BE VISIONARY.

See where you want to be, then formulate and implement a plan to get there. As a lead- er, I have said this over and over. Recently, my pastor delivered a message about having a vi- sion of what you want your relationship with God to look like; what you want your marriage to look like, etc., and putting a plan in place to make it happen. As long as I have been preach-

-THE LAST-

HURRAH

ing visons and plans, never once did it occur to me to apply it to the most important relation- ships in my life. Be visionary in ALL aspects of your life.

LESSON NUMBER 5: STOP BEING THE VICTIM.

When things arent going the way you planned, its easy to look around and find a million reasons why. But believing you've been wronged or that some external force is against you is allowing somebody or something other than you dictate what direction your career is going to go. Don't relinquish the power that Opportunity Unlimited has given you! It's easy not to be accountable and play the victim. Find a way to tackle obstacles so they will make you stronger. Being a victor feels a whole lot better than being a victim.

When I look back at my 43-year career I cant help but count my blessings. I was blessed to have great mentors and great people to work with. I am blessed to have a wonderful wife who has brought God into my life as well as 5 wonderful kids and a grandchild that I truly cherish. I am blessed that my mom got to see her son as a successful businessman before she died. I have been blessed financially beyond my wildest dreams. But the blessing that allows me to start the next part of my life is Steve and David who believe they have a calling just as I did. It is THAT blessing which allows me to believe not that the company can't live with- out me, but that it WILL continue to prosper without me.

It has been an honor leading this great Company, and it has been an honor leading (as B would have put it) the World's Greatest Sales Force! Q