1. 1 For internal training use only. Not for dissemination to the public. Solving Clients’ Financial Needs For Internal Training Use Only — Not for Dissemination to the Public.

2. 2 For internal training use only. Not for dissemination to the public. Transactions that Bring Referrals ♪High dollar accounts ♪Multiple accounts ♪CD Keeps Renewing (no withdrawal made) ♪Deposit of large check drawn on different bank ♪Purchase of savings bond ♪New client to the branch “Annuity Referral Opportunity” “Annuity Referral Opportunity”

3. 3 For internal training use only. Not for dissemination to the public. Conversations that Bring Referrals ♪I hate tax season…paying Uncle Sam! ♪I’ll be retiring soon ♪I just turned 70! Seniors love to tell their age ♪I’m changing jobs ♪My spouse died ♪I just married (or will soon) ♪I’m getting a divorce ♪I have a new baby or grandbaby ♪I’m moving, especially if to retirement community ♪My CD is maturing “Annuity Referral Opportunity” “Annuity Referral Opportunity”

4. 4 For internal training use only. Not for dissemination to the public. Talk Track Cards for each Role  Teller  Platform Rep  Loan officer  Business Development Officer

5. 5 For internal training use only. Not for dissemination to the public. Why don’t we ask for referrals? Forget to ask What will my client think? Fear of Rejection

6. 6 For internal training use only. Not for dissemination to the public. Solving Clients’ Financial Needs

7. 7 For internal training use only. Not for dissemination to the public. Disclaimers American General Life Insurance Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc. AGLC103761 REV1210www.americangeneral.com