Premium Finance Guidelines - Perpetual Wealth System - 2023

AIG Allianz Nationwide National Life Group Products Available IUL/SIUL IUL IUL IUL/SIUL Issue Age Limits No older than age 70 Ages 18-60 No older than age 75 No older than age 70 Minimum Net Worth $5,000,000 $5,000,000 $10,000,000 $5,000,000 ($2,500,000 for ages 25-50) Minimum Liquid Net Worth Sufficient liquidity to pay for credit and intrest rate fluctuations and an exit strategy No Specified Minimum No specified Minimum Sufficient liquidity to pay for/contribute to premium payements and intrest Minimum Annual Income $150,000 No Specified Minimum $250,000 $150,000 for the past 2 years. (Age 25-50 with a min. net worth of $2.5 million: $250,000 for 2 years) Minimum Face Amount N/A N/A N/A N/A U.S. Citizenship Required Yes Yes No, but nonpermanent residents must have a nexus with the USA with $10 million in long term U.S.-based assets. No, but foreign nationals are required to fullfill certain criteria U.S. Ownership Required Yes Yes Yes Yes Interest Accrual Allowed No Yes No Yes, if net worth is $5,000,000 or greater Early Cash Value Rider Available Yes Yes Yes Yes Full Recourse Required Yes Yes Yes Yes Loan Spread Requirement No Specified Requirement No Specified Requirement No specified Requirement No Specified Requirement MEC Allowed No No No No Minimum Loan Duration No Specified Limits No Specified Limits No Specified Limits No Specified Limits Loan Term Sheet Required Yes Yes Yes Yes Third Party Financials Required Yes Yes Yes Yes Two Years Tax Returns Yes Yes Yes Yes

Products Available IUL All Fixed Permanent Products IUL IUL and SIUL Issue Age Limits No Specified Age Limit 30-70 Age 70 Less than age 80, but 70+ requires aditional review Minimum Net Worth $5,000,000 $5,000,000 $5,000,000 (consider $2.5 million under age 50) $10,000,000 Minimum Liquid Net Worth No Specified Minimum Enough to support the minimum annual premium, which should not exceed more than 40% of income No Specified Minimum 20% of net worth liquid Minimum Annual Income No Specified Minimum $250,000 $200,000 Income must equate to 20% of premiums borrowed Minimum Face Amount No Specified Minimum $2,000,000 No Specified Minimum No Specified Minimum U.S. Citizenship Required No Specified Requirement No, but special criteria apply to foreign nationals No, but foreign nationals are held to certain specified criteria. Yes U.S. Ownership Required Not Specified Requirement Yes Yes Yes Interest Accrual Allowed Typically intrest is not accrued, but there is limited consideration for some deferral Yes, up to 10 years for domestic clients with a net worth of 10 million or greater No Yes Early Cash Value Rider Not Specified Yes Yes Yes Full Recourse Required Yes Yes Yes Yes Loan Spread Requirement Not Specified Not exeeding U.S. Treasury CMT or SOFR + 3.5% or Prime + 2.5% No Specified Requirement No Specified Requirement MEC Allowed No No No No Minimum Loan Duration No Speciifiec Minimum 3 years -- shorter durations considered for insured with net worths of $10 million or greater 3 years No Specified Minimum Loan Term Sheet Required Yes Yes Yes Yes Third Party Financials Required Yes Yes Yes Yes Two Years Tax Returns Yes Yes Yes Yes

Securian Products Available All Fixed Permanent Insurance Policies and IULs Issue Age Limits Under age 70 Minimum Net Worth $5,000,000 Minimum Liquid Net Worth Minimum of 10% of total loan amount Minimum Annual Income Sufficient income to support lifestyle Minimum Face Amount No Specified Minimum U.S. Citizenship Required Not Specified U.S. Ownership Required Not Specified Interest Accrual Allowed Not Specified Early Cash Value Rider Available Yes, but SVEAs and BVEAs are not eligible to be added to policies Full Recourse Required Yes Loan Spread Requirement No Specified Requirement MEC Allowed No Minimum Loan Duration No Specified Minimum Loan Term Sheet Required Yes Third Party Financials Required Yes Two Years Tax Returns Yes