Working with EMA Brokerage LLC Enterprise Version. This is intended for: For CEOs, CIOs, Line VPs of Home offices May be used for some strategic investors Used for first level meetings to introduce the company, value proposition and broad overview of our product EMA Brokerage LLC 1300 Route 73, Suite 306 Mount Laurel, NJ 08054 856-216-0211 Fax 855-267-5867

Interaction Model Interaction Chart Client Insurance EMA Producer Insurance Carriers Interaction Model

Delivery of Results Insurance Producer/EMA Team Commitment to Success Client Profile & Underwriting Producer Presentation Client Presentation Submit Application(s) Policy Placement Case Design

Delivery of Results Key Steps Goals Responsibility Key Deliverables Client Profile & Underwriting Producer Presentation Client Presentation Submit Application(s) Policy Placement Case Design Key Steps Complete Questionnaire Goals Gather information needed for informal/preliminary underwriting Responsibility Insurance Producer Key Deliverables List of doctors and signed HIPAA form

Delivery of Results Key Steps Goals Process Owner Key Deliverables EMA Client Profile & Underwriting Producer Presentation Client Presentation Submit Application(s) Policy Placement Case Design Key Steps Request Additional Information - Financial Data - Attending Physician Statements (APS) Package informal application Goals Leverage EMA’s relationships to obtain most favorable offers from insurance companies Protect Confidentiality of Clients Process Owner EMA Key Deliverables Financially Viable Offers

Delivery of Results Key Steps Goals Process Owner Key Deliverables EMA Client Profile & Underwriting Producer Presentation Client Presentation Submit Application(s) Policy Placement Case Design Key Steps Company responses summarized Present illustration comparisons Offers Pricing Rating Product/Company recommendation Goals Provide insurance producer with best approach Maximize client benefit Process Owner EMA Key Deliverables Comparison presentation Specifics of case design

Delivery of Results Key Steps Goals Key Deliverables Process Owner Client Profile & Underwriting Producer Presentation Client Presentation Submit Application(s) Policy Placement Case Design Key Steps Present Recommendations Complete application and collect signatures Balance of underwriting requirements requested Paramed Exam Inspection Report Goals Client Commitment to Insurance Solution Key Deliverables Completed application Process Owner Insurance Producer

Delivery of Results Key Steps Goals Process Owner Key Deliverables Client Profile & Underwriting Producer Presentation Client Presentation Submit Application(s) Policy Placement Case Design Key Steps Insurance producer delivers completed applications to EMA EMA identifies outstanding requirements Remaining data collected EMA provides periodic updates to producer Goals Streamline Execution of Policy Placement Process Keep Insurance Producer Informed Promptly Address Outstanding Issues Process Owner EMA Key Deliverables Communication between insurance carrier, EMA and insurance producer

Delivery of Results Key Steps Goals Process Owner Key Deliverables Client Profile & Underwriting Producer Presentation Client Presentation Submit Application(s) Policy Placement Case Design Key Steps Deliver Policy Collect Premium Execute Documents Goals Place policy in force Process Owner EMA Insurance Producer Key Deliverables Policy package Final delivery documents