1For 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.

2For 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”

3For 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”

4For internal training use only. Not for dissemination to the public.

Talk Track Cards for each Role

Teller Platform Rep Loan officer Business Development Officer

5For internal training use only. Not for dissemination to the public.

Why don’t we ask for referrals?

Forget to askWhat will my client think? Fear of Rejection

6For internal training use only. Not for dissemination to the public.

Solving Clients’ Financial Needs

7For 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 REV1210