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JOY GAY

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JOYGAY@COX.NET

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(818) 757-7046

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21300 Victory Blvd Ste. 120

Woodland Hills, CA 91367

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WRL, Transamerica Life Insurance Company, World Financial Group, Inc., World Financial Group Insurance Agency, Inc. and its subsidiaries are affiliated companies.

The full names, city and state locations of these entities are: Western Reserve Life Assurance Co. of Ohio, Columbus, Ohio; Transamerica Life Insurance Company, Cedar Rapids, Iowa; Pacific Life Insurance Company, Newport Beach, California; ING USA Annuity and Life Insurance Company, Des Moines, IA; Nationwide Life Insurance Company, Columbus, Ohio; Jackson National Life Distributors, Lansing, MI.

* Tax and/or legal advice not offered by Provident Generation of America, WFG or its affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

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