Aegon Analyst & Investor Conference

Diversified funding supports strong mortgage origination capabilities Competitive advantages: . Strong position with Independent Financial Advisors Straight through processing Nominal mortgage amounts per FY 2015 (in EUR billion) ~6* Comments EGON Bank knab • Mostly short interest rate reset periods • Offering products to clients on both sides of the balance sheet • Leading mid-office capabilities Active in all maturities • One IT platform ~62 RMBS - Saecure program • Funding diversification Origination vehicle AEGON • ~8 Asset Management Aegon Hypotheken** Fee business • ~112 Life & Pension • Non-life * Bank with RMBS, Saecure 13 NHG and covered bonds 14 ** Mortgage origination vehicle since 2011. Aegon Levensverzekering (Aegon Life) was the origination vehicle prior to that • Full risk transfer Attractive fee business Long-dated assets Good match against liabilities Mostly variable rate mortgages Supports investment income Aegon Analyst & Investor Conference

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