Nominated for EY Entrepreneur of the Year

1. Virtual Financial Group (VFG) Nominated for EY Entrepreneur of the Year Fresh off VFG's ground-breaking 3D online 1st annual convention and impressive first year growth, the company has been recognized for true innovation and success with a prestigious EY Entrepreneur of the Year nomination. Fresh off VFG’s ground-breaking 3D online 1st annual convention and impressive first year growth, the company has been recognized for true innovation and success with a prestigious EY Entrepreneur of the Year nomination. The award program is recognized as one of the most prestigious business award programs in the country, the EY Entrepreneur Of The Year awards celebrate the country’s most innovative business leaders and is hosted by EY (formerly Ernst and Young) for over 25 years. When you listen to what the judges are looking for in companies “It sounds like the VFG story: Challenging the Status Quo with Disruptive Business Practice Innovation, Executing on a Vision and Making things happen by Acting on Current Technologies and Changes in a New Digital Marketplace. Showing Perseverance in the face of the challenges, Building & Growing a Company of Durability & Substance and Helping to Change the landscape by Setting a New Standard.” says Mike Hinsvark 29 Yr Industry Veteran and Co-founder of VFG. Virtual Financial Group celebrated their first year success and launched 2015 with an All Star cast of industry leaders in their revolutionary 3D online Virtual Convention Center. Attendees and speakers at this premier event included cutting edge technology companies, renowned authors, marketing mavericks and industry legends. Speakers and contributors at VFG’s Virtual Conventions have included Tim Wallace CEO ipipeline, Lisa Farrell CMO 6connex, Patrick Kelly author “The Retirement

2. Miracle”, Rick Rood CEO The Contact System, Ryan Tenbrink CEO Sales Team Sites and Steve Johnson IUL Agent Software. Product provider companies represented included industry giants Transamerica, Nationwide, and VOYA (formerly ING). Notable speakers also Included Don Hinsvark Captain US Navy Seal Retired, Joe Dipalo (CEO WFG) with the keynote address delivered by VFG’s own legendary distribution builder Rich Thawley (Transamerica/WFG). In the deeply rooted Trillion Dollar industry of Life Insurance and retirement planning, change comes infrequently and often grudgingly slow. Steeped in tradition and a tendency for the status quo, the massive industry is shrinking at an alarming rate and faces a crisis to grow distribution and replace agents lost to turnover and retirement. Virtual Financial Group VFG has broken the code on this industry-wide dilemma with a decidedly fresh solution. As with most industry revolutions in the past 20 years, the solution is via technology. VFG ‘s proprietary high tech platform, cutting edge tools and unique online model is a true game changer in the world of financial services distribution building. "Working 'virtually', whether it be from a home office or while on vacation, is one of the new freedoms we can all experience. And from a business perspective, no longer do we have to maintain high overhead costs for buildings or transportation. The VFG model becomes a 'win-win' for agents and industry alike," says Chris Delfino, a 26-year industry veteran and Co-founder of VFG. The online model is well suited to today’s ever busy consumers, agents of every experience level and the industry’s quest for efficiency.Technology is integrated at all levels of the operation from marketing, recruitment and training to online sales presentations and eApps, adding speed and sizzle to an industry often viewed as antiquated. The high tech elements bring the once out-dated processes in alignment with the use of technology eagerly adopted by many consumers and industries during the past decade. VFG with its revolutionary assembly line process or "Tier System" allows a new type of individual to enter into the lucrative financial services field on a full or part time basis. While potentially lucrative, industry can be daunting for new agents and a tedious

3. learning curve faces many. By dividing tasks into marketing functions and management then delegating the sales process to experienced financial consultants the new agents roles are simplified. They can rapidly become Licensed "Virtual Internet Marketers" and focus on simply driving Internet traffic. Using a revolutionary online marketing system and automated follow up tools this fast track allows faster start up, shorter learning curve and opens the door to many who may otherwise be left behind. Additionally the model allows for rapid nationwide expansion and market reach with minimal costs instead of the high overhead slow growth brick and mortar approach. While the traditional industry has concentrated it's efforts on the wealthy, VFG is focused on the middle class (Who need the advise the most) Most experts agree we face a retirement crisis in America. At a time when pension plans, retirement funds, are either non-existent or not delivering as promised; Many Americans do not have enough time left or money to save to build a sufficient nest egg and will need to either continue to work through retirement or start a small business to be able to enjoy retirement. VFG offers the business, products, solutions and the delivery systemto help millions of American's get back on track retire with dignity.