For agent use only. See back for details. By invitation orrecommendation from Financial Markets, Inc. only. Minimum of 12 paid policies. Agent must have at least an 80% placement ratio. Quali�cation period: January 16, 2018 through January 15, 2019. Points vary by carrier and product. See complete points schedule at tinyurl.com/2018fmiAgentPointAwards

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FinancialMarkets, Inc.

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300,000 POINTS

2019 MINI Hardtop 4 Door

The 2019 Mini Hardtop 4-Door is a small, two-door hatchback geared at people who want a vehicle with nostalgic styling and a fun, sporty nature. The MINI Hardtop features distinct British craftsmanship paired with world-class engineering, and is built to �t a slightly fuller life, with more legroom and storage space – all while retaining its compact only parking access. A perky 134-hp 1.5-liter turbo three-cylinder strikes a balance between fun and frugality with either the standard six-speed manual or optional paddle-shifted six-speed automatic. The 4-Door model means easy rear seat access. Good cabin tech o�erings prove useful for daily driving, and the Mini Connected app adds a dose of fun.

The MINI Hardtop is powered by a MINI TwinPower Turbo engine, and is loaded with premium features, ferocious handling, and is built for sharing. Or for having a little more MINI all to yourself.

Royal Caribbean®5-Night Western Caribbean Cruise

Monday, April 1, 2019 - Saturday, April 6, 2019If you are looking for adventure, you’ll �nd it on Royal Caribbean’s Independence of the Seas®. This ship features 10 pools and whirlpools, 22 bars, clubs and lounges and 273 slot machines. Outside you can climb to the top of the ship on the rock wall or you can ‘hang ten’ on the FlowRider surf simulator. For a di�erent kind of adventure, get in a round at the full-sized onboard boxing ring, or chill around the ice-skating rink. Enjoy exciting onboard entertainment including ice skating and aqua shows, live music, dancing, parades, pool parties, karaoke and more. Every minute on the Independence of the Seas® is a thrill!

VIP Producer President’s ClubPoints Required

Accommodations

COMP ExcursionsSpecial Dinner

Airfare

60,000$1000 Airfare Voucher

90,000

Included

Producer’s Club30,000

--

Standard

--

Length of Stay 5 Nights

1 O�-Ship Excursion

5 Nights 5 NightsOcean View Balcony Suite

$1500 Airfare Voucher

----

1 O�-Ship Excursion

EARN POINTS WITH YOUR

PAID POLICIESfmiAgent

2018POINT AWARDS

QUALIFICATION PERIOD: JAN. 16, 2018 THROUGH JAN. 15, 2019

Points System

Quali�cation Guidelines and Point System

Terms and Conditions

Royal Caribbean Cruise Terms and Conditions

2019 MINI Hardtop 4-Door Terms and Conditions

View point details for each available product by visiting tinyurl.com/2018fmiAgentPointAwards

• For agent use only.• By invitation or recommendation from Financial Markets, Inc. only.• Business that will be credited includes fully commissionable business placed and paid through Financial Markets, Inc. during the quali�cation period. Certain plans may not be eligible.• Business written on the agent or family members will not be eligible.• The points can be a combination of Life, Annuity and Health premiums. Please see the points applicable to each individual policy for calculation.• All policies must be issued, e�ective and paid no later than January 15, 2019.• General Agents may not qualify unless pre-arranged in writing prior to contest.• Agent may qualify only once.• Agent must be in good standing with Financial Markets, Inc. at time of redemption (i.e. must be currently contracted with companies from which quali�cation points are derived and actively producing business. No outstanding debit balance allowed).• Business must be issued and placed. Canceled and lapsed business will not be considered for Quali�cation Points.• Contest credit dependent upon federal and state regulations.• Excess premium (premium beyond target) on Universal Life business or other similar contracts will not receive any Quali�cation Points.• Payroll deduction business Quali�cation Points will be determined on a case-by-case basis.• Quali�cation Points will not be credited for subsequent annuity premiums.• Quali�cation Points are not redeemable for cash or other remuneration.• Quali�cation Points cannot be transferred.• This is a voluntary program; additional restrictions may apply. • A 1099 will be issued to all quali�ers for the fair market value of the items.• Points will be redeemed at one time at the end of the quali�cation period, which is January 15, 2019.• Financial Markets, Inc. reserves the right to modify any quali�cation requirement at its discretion without notice.• NO EXCEPTIONS TO CONTEST QUALIFICATIONS AND GUIDELINES WILL BE CONSIDERED.

• This is a voluntary function; consequently, travel restrictions may apply. • A 1099 will be issued to all producers for the fair market value of the trip.• Agent and one guest may attend; guest may not be another licensed agent unless a spouse.• Trip date: Monday, April 1, 2019 to Saturday, April 6, 2019.• Travel arrangements to and from cruise ship are the responsibility of the qualifying agent.• Producer’s Club: Five night stay in a standard room onboard the cruise ship.• VIP Producer’s Club: Five night stay in an ocean-view room onboard the cruise ship. Financial Markets, Inc. will provide one complimentary o�-ship excursion per agent and guest.• President’s Club: Five night stay in a balcony suite onboard the cruise ship with one evening of special dining. Financial Markets, Inc. will provide one complimentary o�-ship excursion per agent and guest.• In cooperation with a third party, Financial Markets, Inc. is unable to make any modi�cations to the incentives guidelines.

• Maximum value $25,000 including taxes and registration fees. • If dealer stock is not available, a cash equivalent will be presented in lieu of the 2019 MINI Hardtop 4-Door.• A 1099 will be issued to all quali�ers for the fair market value of the item. • MINI or any a�liates of Bavarian Motor Works (BMW) is not a sponsor or partner of Financial Markets, Inc. • MINI logo is a registered trademark of Bavarian Motor Works (BMW).

• Minimum of 12 paid policies.• Agent must have at least an 80% placement ratio.• Quali�cation Period: January 16, 2018 through January 15, 2019.• Points vary by carrier and product.

• All points earned per product will be combined at the end of the quali�cation period for a �nal total.

• For complete points schedule, visit: tinyurl.com/2018fmiAgentPointAwards

Royal Caribbean CruiseProducer’s Club

Points Required

Premium necessary to earn above points (any combination)

30,000 60,000 300,000

2019MINI Hardtop 4-Door

Points and Premium Requirements

Premier Carriers - Life Premium

Traditional Annuity Premium

LTC, CI, and DI Premium

Medicare Supplement Premium

MYG Annuity Premium

Other Carriers - Life Premium

$30,000

$1,000,000

$75,000

$250,000

$2,000,000

$60,000

$60,000

$2,000,000

$150,000

$500,000

$4,000,000

$120,000

$300,000

$10,000,000

$750,000

$2,500,000

$20,000,000

$600,000

Royal Caribbean CruiseVIP Club

Average Points Needed EachMonth to Achieve Goal 2,500 5,000 25,000

Royal Caribbean CruisePresident’s Club

90,000

7,500

$90,000

$3,000,000

$225,000

$750,000

$6,000,000

$180,000