NATION’S ENROLLMENT SYSTEMS, LLC

Potentially affecting 45 million Employees Who is asking the VB question? LIMRA 2011 Report on VB Market 33%

INCREASE YOUR REVENUE 20 Life Group Benefit Annualized Premium Commission Rate Annualized Commission Critical Illness$1,26465%$822 Accident$1,32257%$754 Universal Life$3,12095%$2964 Total First Year$5,694$4,540 Assumes 30% participation. Average premium $317 Benefit Annualized Premium Commission Rate Annualized Commission PPO Health Plan$84,000$25 PEPM$6,000 Assumes 100% participation. Average premium $350

INCREASE YOUR REVENUE 100 Life Group Benefit Annualized Premium Commission Rate Annualized Commission Critical Illness$6,31865%$4,107 Accident$6,61057%$3,768 Universal Life$15,60095%$14,820 Total First Year$28,470$22,695 Assumes 30% participation. Average premium $317 Benefit Annualized Premium Commission Rate Annualized Commission PPO Health Plan$399,000$25 PEPM$28,500 Assumes 95% participation. Average premium $350

THE BOTTOM LINE  Protect your book of business  Solidify your client relationship  Experience revenue growth with existing book  Market penetration only 30%*  Voluntary marketing growing 12% annually*  Complete your menu of services Group Benefits + Voluntary Benefits = Revenue Growth

Services Overview Pre-Enrollment Services Implementation timeline Implementation call(s) Customized employee announcements Customized landing page to include product brochures and videos Online scheduling tool Enrollment Services Core and Voluntary products Group meetings Pre-populated forms (Accept/Decline then Sign) Face to face - individual information meetings Call center Benefit Administration platform Salaried benefit counselors/per diems Pre-Enrollment Services Implementation timeline Implementation call(s) Customized employee announcements Customized landing page to include product brochures and videos Online scheduling tool Enrollment Services Core and Voluntary products Group meetings Pre-populated forms (Accept/Decline then Sign) Face to face - individual information meetings Call center Benefit Administration platform Salaried benefit counselors/per diems

Administrative Services Designated Account Manager HR point of contact for coordination of new hires, billing assistance, terminations NEStracker - toll free customer service center Claims assistance/Policy inquiries and changes Assigned customer service representative Post enrollment status report Value added Services College Tuition Benefit Telemedicine 105 Plan administration Legal Shield Identity Theft 24 Emergency Service Benefit Statements Dependent Verification/Audits Administrative Services Designated Account Manager HR point of contact for coordination of new hires, billing assistance, terminations NEStracker - toll free customer service center Claims assistance/Policy inquiries and changes Assigned customer service representative Post enrollment status report Value added Services College Tuition Benefit Telemedicine 105 Plan administration Legal Shield Identity Theft 24 Emergency Service Benefit Statements Dependent Verification/Audits Services Overview, cont.

Task Date neededResponsibilityDate completed Implementation Final product decision By 9/5broker/ABC Company Completed employer paperwork By 9/12NES/broker/ABC Company Site locations with approx. # of employees & % of bilingual employees at each By 9/12broker/ABC Company Tentative enrollment schedule sent to Keenan/ABC Company for one on one site visits Sent by 9/19NES Approved final site schedule No later than 9/26broker/ABC Company Census received By 9/12broker/ABC Company All core/ancillary information sent to NES No later than 9/12broker Communications Employee announcement sent to client By 9/29NES/broker Client review and approval of communication By 10/3broker/ABC Company Communication announcement sent to employees Week of 10/6ABC Company Scheduling Toll free call in/Online scheduling tool open During the weeks of 10/13 & 10/20 NES One on One enrollment schedule confirmed and delivered to Keenan/ABC Company By 10/27NES Enrollment One on one on-site meetings During the weeks of 11/3 thru 11/17 NES Post Enrollment Deductions sent to client By 12/12NES Sample Timeline Client Name: ABC Company; Proposed Effective Date: January 1, 2015 Sample Timeline Client Name: ABC Company; Proposed Effective Date: January 1, 2015

TaskResponsible Individual(s)Assigned ToDate Due Complete Prospect Stage Prospect reviewed with Nation’s All Proposal geneerated, product information, underwriting documents etc delievered to FNB NES Sales/Account manager Details on core and platform collected NES Sales Case Sold General Employer paperwork completed and submitted to carrier NES Sales/Account Manager Letter of Understanding signed NES Account Manager Commission split/fees identified NES Sales/FNB Implementation Call Set with FNB Begin weekly meetings with appropriate parties-distribute notes and upkeep timeline All Team Members on project Set up carrier billing call (if applicable) NES Account Manager CTB and carrier case #'s assigned NES Account Manager Obtain census from client NES Account Manager If core, obtain all plan designs, rates, etc. – submit workbook and review with FNB/Client NES Sales/Account Manager Determine method of scheduling mtgs/Enrollment Conditions – Introduce Enrollment Coordinator NES Order supplies NES Account Manager Reenrollment frequency NES Nation’s Enrollment Systems, LLC Sample Implementation Checklist

Enrollment Set Up Finalize group mtgs, individual mtgs, call center and/or self service schedule NES Enrollment Coordinator Staff Enrollers NES Enrollment Coordinator Confirm Enrollers are licensed and appointed NES Enrollment Coordinator All necessary materials/equipment delivered to Enrollers NES Enrollment Coordinator Enroller training NES Enrollment Coordinator IT Set Up NES Enrollment Coordinator Make sure technology implementation package sent to Client NES IT rep Contact necessary Carriers for file feed set up NES IT rep Build scheduling tool if applicable NES IT rep Build case on platform or carrier software NES IT rep All Enrollers have passwords assigned and access to platform NES Enrollment Coordinator Create employee letter NES Account Manager Create blasts/Marketing materials NES Account Manager Create landing page NES IT Rep Posters sent NES Account Manager Enrollment/Post Enrollment Responsible for enrollers sync daily and reporting NES Enrollment Coordinator Coordinating any cleanup of enrollment NES Payroll deductions to client NES Account Manager Client survey sent to client NES Account Manager Broker summary sent to FNB NES Account Manager Sample Implementation Checklist, continued

Nation’s Enrollment Systems Letter of Agreement Date Dear XXX, Thank you for your decision to work with Nations Enrollment Systems for your comprehensive employee benefits program. We look forward to working with you to make this enrollment a success for you and your employees. To ensure we meet your expectations, this letter sets out the next steps we have discussed for the successful implementation of your program. Please review it carefully. If it accurately addresses what we have discussed and you agree to it, please sign a copy and return it to me so that I may continue the implementation planning. For this enrollment, Nations will provide the following services, which will start on (date):  Guarantee Issue during initial enrollment (based on evidence of insurability; subject to the conditions of the formal underwriting offer)  Standard product brochure(s) with standard rate inserts  Standard pre-enrollment announcement (letter, )  Scheduled enrollment call center  Onsite benefits specialists at most locations to assist with enrollment  In turn, you have agreed to the following conditions for the enrollment:  Implementation of the Allstate Benefits products on payroll deduction  Active decision making process for all employees with no less than 70% engagement  If this meets with your approval, please sign your acknowledgement below and return a copy of this letter to me. Thank you for this opportunity to be of service to you and your employees. Agreed and accepted by the following authorized signers: ___________________________ Company XXX Scott Reynolds Company Nations Enrollment Systems 7/30/2014

CUSTOM WEBSITE

ONLINE ENROLLMENT SCHEDULING NES provides online scheduling for employee benefit meetings

NEStracker Every customer service call is logged and tracked in the NEStracker system.

DEPENDENT AUDIT

BENEFIT STATEMENTS

BENEFIT STATEMENTS (CONT.)

COLLEGE TUITION BENEFIT