1. Freedom’s General Overview Founded in 1986 Owner operated, privately held One of the largest Independent Direct Mailers Direct Marketing focused and passionate about it! Direct mail expertise embedded in all disciplines within the company “Under one Roof” Turn key solutions Redundant Nationwide platform Technology driven campaign management Member of PIMA, ICMG, ABIA Awarded JP Morgan Chase “Vendor of the year” in 2005 Awarded IBM “Direct Mail Pioneer” in 2006 2007 Recipient Silver, Bronze & Pewter Gold Ink Awards 2008 Recipient of Silver Gold Ink Awards 2008 FSC certification 6 Billion Mailed 03 04 05 06 07 99% On Time Delivery!

2. Freedom’s 4 Strategic Locations Milton, WI Aurora, IL Grand Prairie, TX Ontario, CA Over 1 million Square Feet under roof!

3. Historically direct mail Production Lettershop and Distribution/Mailing has been highly fragmented Printing Lettershop Imaging Mailing Creative List Mgmt and hygiene Envelopes Multiple Steps Multiple vendors Additional packaging Additional fuel Additional waste Additional freight Additional time Additional cost Typical Schedule 14-28 days

4. Freedom’s model Embraces Supply Chain Efficiencies All capabilities under one roof Data Processing, List hygiene, Printing, Imaging, Lettershop, Commingling, Mailing Manage Imaging and versioning complexity at low cost Optimize Postal Efficiencies for all campaign sizes Highly targeted POD and VDP with distribution efficiencies Manage campaigns with greater complexities, Smaller targeted quantities at Lower cost and in Less time Typical Schedule 5-14 days Creative Formats List Mgmt and hygiene Imaging Envelopes Printing Postal Optimization Lettershop Data Processing

5. With New York Life Affinity Partners… Worked with NYLife Creative Agency upfront to insure the Master Template captured greatest amount of production and distribution efficiencies Utilized Digital Asset Management System for Kitchen sink Template –Contained NY Life compliance variables…already pre-approved General State disclosures and NYL specific state requirements Royalty language, domestic partner The 4 NOTS - GLB (financial institution clients) Plan benefits (i.e. Underwriting limit max $1MM, $2MM - termination age) Grace period – pay your premiums… within the grace period OR the end of the grace period. Where marketed – excluded states or addition jurisdictions (PR and Canada) –Client look and feel requirements –Logos, specific fonts, customized messaging Created a cost efficient Manufacturing Mailing and Distribution plan –Components of package print and image in line –Time frame for production of packages has been compressed –Mailings utilize commingling…postage savings is significant!

6. NYL Logo here Variable Fields

7. Variable by State Acknowledgement of State information

8. Postage and freight are not “givens” anymore, even with smaller, targeted affinity programs… The Right Infrastructure and Technology can save pennies off of every package: Lettershop/Mailer SCF BMC ADC Local Entry DDU In Home Every time your mail touches a postal site you lose discounts and add time 1-2 days 2-3 days 1-2 days Total of 8-14 days

9. NY Life takes advantage of skipping entry points to gain postal savings and time advantage Reviewing and understanding your Postal and Freight plan should be part of the total discussion as you review package requirements: Lettershop/Mailer SCF BMC ADC Local Entry DDU In Home 1-2 days 2-3 days 1-2 days Total of 3-5 days, Scale Regionalization Commingling Strategic Load planning Strategic Format Selection Data and List Hygiene Reduction of “Waste Mail” All Make a Difference

10. There is still so much that we plan to do! Increase use of variability and “relevancy” for affinity partners…in a cost efficient manner Looking at multi-channel approach to drive greater application completion percentage –VDP –Web –Test new formats Utilize existing Technology and Tools that Streamline Management of Program –Manage greater amount of variables and imaging requirements With limited resources –Scalable for hundreds+ of affinity partners –Online Campaign Management and Proofing