National Brokerage 1ClickCoverage Overview

1. National Brokerage 1ClickCoverage Overview

2. National Brokerage Overview • National Brokerage (“NB”) is an insurance and technology business headquartered in Boise, ID. • 1ClickCoverage.com is our web based insurance platform aimed at financial institutions. • NB has fifty employees and additional offices in Seattle, WA, Colorado Springs, CO, Pittsburgh, PA, Tampa, FL and Annapolis, MD. • NB represents 50+ life and annuity companies and has 5,000+ licensed agents. • NB distributes through independent brokerage agents, banks, credit unions, affinity groups and the web. • NB has a discrete technology group which it has built up to support its business since 1996. • Our platforms have 4,000+ current users, including a number of financial institutions, plus linkages into 40+ life insurance companies. • We also support Advanced Sales, Premium Financing & Bespoke Insurance Services.

3. How the 1Click Platform Works with You • Leveraging Affinity • Branded endorsement from your financial institution • Focus is on life insurance with exclusive product • Leveraging Online Capabilities and Touch-Points • Internet Focused: Capturing Customers who want to transact online • Online account access • Online bill pay • Online Quote Request • Electronic Feed • Leveraging Point of Sale and Service Interactions • Take ones and brochures • Collateral in “Welcome Kits” for new customers • Statement Stuffers • Engaged branch staff • Product Considerations • Optimum product selection for your customer demographics • Multi-Carrier vs. Single Carrier

4. 1Click PlatformProduct Range • Exclusive Online Term Life • $25,000 to $350,000 coverage • Real time underwriting, decision in <2 minutes • Exclusive Online Single Premium Whole Life • $10,000 to $200,000 premium, up to age 85 • Real time underwriting, decision in <2 minutes • Exclusive Accident Product with Optional Riders • Accident Insurance plus optional Hospital Indemnity, Critical Illness, AD&D, Final Expense • Guaranteed Issue (except Critical Illness Riders) • Quote & Underwrite Full Range of Term Life ($50,000 to $25m) • Motor Club • Multiple service levels and flexible pricing • RX Discount/Wellness Program • Coming Soon: • P&C Insurance: Home & Auto • Household Warranty Products • Loan Acceleration Program • Whole Life Insurance • Final Expense Insurance • Fixed Annuity • Healthcare products

5. The 1Click Platform • Everything is web based: the client or the bank can directly enter all details into a very user friendly set of screens for pre-screening. • If the initial determination is positive then an electronic application is instantly completed by our software and a simple electronic signature completes the submission. • The information is then processed real time through our underwriting engine where there will be MIB, RX and MVR record checks. This takes seconds. • If successful the customer/agent will be instantly notified and a secure link will be emailed to the customer to download the policy. • This all occurs in less than two minutes. • Depending on the premium payment method selected there will also be a real time premium debit and the policy will go inforce immediately.

6. 1Click Services • You dial up or down the level of service you require from 1Click based on what you prefer to do in-house or outsource. • Our clients range from existing full service insurance brokers to zero in-house insurance capability. • We can provide all insurance services if required, our services include: • Build business plan • Build out of web pages, quote screens and online application process • Work with your team to integrate platform into website(s) • Website branding. • Work with your team on platform rollout and campaign management • Provide marketing materials (electronic and print ready material) • Track and follow up on leads and drop offs. • Complete 1-800 support with our call center of licensed agents • We can do both inbound and outbound calling • Onsite & Remote Training Programs

7. The 1Click Product Advantage? • Simple product to explain • All technology can be embedded into your web site • Co-branding available: website, materials, customer service • Minimal training required for in-house personnel, no Underwriting or paper to manage • Instant Premium billing: faster commissions, less NTO challenges • Limited Roll Out • Allows online replacement of existing policy • Allows flexibility for client to select monthly draft date (where applicable) • No username/password required during enrolment process • No phone interview or tele-underwriting required • Policy is available to download/save/print immediately upon approval (Term & SPWL)

8. The Term Product • Term Life Insurance with 10, 15, 20 and 30 Year Term • Underwritten by National Life Group, an A rated company • Very Limited Distribution: No brokerage agents • Four underwriting classes: Preferred and Select both Tobacco and Non-Tobacco. • Face Amounts: $25,000 to $350,000 • Accelerated Death Benefit • All states, except NY • Preferred payment methods are Debit Card and electronic Bank Account Debits. • Monthly and annual billing options.

9. Examples of Pricing: Cost Per Month

10. 1Click Single Premium Whole Life • Underwritten by National Guardian Life Group, an A- rated company • Very Limited Distribution: No brokerage agents • Three underwriting classes: Preferred, Select and Tobacco. • Premiums allowed $10,000 to $200,000 (varies by age) • Face Amounts up to $400,000 • Terminal Illness Rider • All states, except NY • Check, Debit Card and electronic Bank Account Debits. • Real time electronic underwriting

11. 1Click Accident Protection • Underwritten by Life of the South, a member of the Fortegra group of companies (in some states underwritten by fellow affiliates Southern Financial, Bankers Life of Louisiana, Response Indemnity, California). • Base Product is Accident Expense Plan that pays up to $15,000 of benefit per calendar year. • Provides protection for accidents and unexpected illnesses so that bills can be paid while the family member recovers. • Additional optional rider coverage is available for: • Critical Illness Benefit: up to $25,000 lifetime coverage • Critical Illness Cancer Only Benefit:: up to $25,000 lifetime coverage • Accidental Death and Dismemberment : up to $100,000 coverage • Accidental Hospital Indemnity: $100 or $250 per day • Funeral and Bereavement Counseling : Up to $2,000 • Coverage is available for (i) Proposed Insured; (ii) Proposed Insured/Spouse; (iii) Family; (iv) Proposed Insured/Children. • Coverage available for all Adults 18 – 64 and Children 0 – 17 and Guaranteed Renewable to age 65 (premium rates may change during the renewal period)

12. Complete Agency Processing NB can provide a virtual agency to support all aspects of the program. As well as providing all of the front end web based systems National Brokerage provides a full back office support infrastructure. • All Web transactions automatically feed into our agency management system. • Our 1E system provides a complete CRM package to manage the life insurance program and full performance reporting in terms of application processing, policies issued, commissions and the status of inforce policies. • The system can also be used for lapse prevention with daily updates as to inforce status. • It also provides full campaign support (outbound calls, emails, mailers, etc.) for both new contacts and existing customers. • The system also allows complete commission transparency to track commissions back to individual sales.