National Brokerage 1ClickCoverage Overview

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.

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 Affinity marketing to existing customers. The strength of affinity to your institution drives higher response and purchase rates through all distribution channels. 3

1Click Platform Product 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 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

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.

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

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)

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.

Examples of Pricing: Cost Per Month Male 35 Non-Smoker Preferred Male 35 Smoker Select Female 35 Non-Smoker Preferred Female 35 Smoker Select $75,000 10 Year Term $15.84 $31.54 $14.41 $26.90 $350,000 10 Year Term $41.55 $110.34 $34.86 $89.32 $75,000 20 Year Term $18.84 $40.02 $16.66 $34.13 $350,000 20 Year Term $55.56 $154.61 $45.37 $122.45 $75,000 30 Year Term $22.32 $52.01 $19.32 $42.46 $350,000 30 Year Term $71.49 $205.57 $57.47 $160.67

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

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)

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.