COLUMBIAN FINANCIAL GROUP Why Do Business with CFG? Shaded text wrapped around a corner (Basic) To reproduce the effects on this slide, do the following: On the Insert tab, in the Text group, click Text Box, and then on the slide, drag to draw the text box. On the Home tab, in the Slides group, click Layout, and then click Blank. Enter text in the text box, select the text, and then on the Home tab, in the Font group, select Haettenschweiler from the Font list, and then select 24 from the Font Size list. On the Home tab, in the Paragraph group, click Center to center the text on the slide. Select the text. Under Drawing Tools, on the Format tab, in the WordArt Styles group, click the arrow next to Text Fill, point to Gradient, and click More Gradients. Drag the pink diamond adjustment handle (at the left side of the text box) to adjust the amount of text warp. Select the text box. Under Drawing Tools, on the Format tab, in the WordArt Styles group, click Text Effects, point to Transform, and then under Warp click Triangle Up (first row, third option from the left). In the Format Text Effects dialog box, click Text Fill in the left pane, select Gradient fill in the right pane, and then do the following: Click the button next to Direction, and then click Linear Right (first row, fourth option from the left). In the Type list, select Linear. In the Angle box, enter 0°. Under Gradient stops, click Add gradient stop or Remove gradient stop until five stops appear in the slider. Also under Gradient stops, customize the gradient stops that you added as follows: Select the first stop in the slider, and then do the following: Click the button next to Color, and then under Theme Colors click Blue, Accent 1, Lighter 60% (third row, fifth option from the left). In the Position box, enter 0%. Select the next stop in the slider, and then do the following: Click the button next to Color, and then under Theme Colors click Blue, Accent 1, Lighter 80% (second row, fifth option from the left). In the Position box, enter 17%. Click the button next to Color, and then under Theme Colors click White, Background 1 (first row, first option from the left). In the Position box, enter 50%. Select the last stop in the slider, and then do the following: Click the button next to Color, and then under Theme Colors click Blue, Accent 1, Lighter 40% (fourth row, fifth option from the left). In the Position box, enter 51%. Click the button next to Color, and then under Theme Colors click Blue, Accent 1, Darker 25% (fifth row, fifth option from the left). In the Position box, enter 100%. Under Drawing Tools, on the Format tab, in the WordArt Styles group, click Text Effects, point to Reflection, and then under Reflection Variations click Tight Reflection, touching (first row, first option from the left). To reproduce the background on this slide, do the following: Right-click the slide background area, and then click Format Background. In the Format Background dialog box, click Fill in the left pane, select Gradient fill in the right pane, and then do the following: Click the button next to Direction, and then click Linear Down (first row, second option from the left). Under Gradient stops, click Add gradient stop or Remove gradient stop until two stops appear in the slider In the Position box, enter 64%. Click the button next to Color, and then under Theme Colors click Black, Text 1 (first row, second option from the left). New York

Columbian Mutual Life Insurance Company Home Office located in Binghamton, NY Been in business for over 130 years Niche Market Focus Simplified issue life insurance for senior market Competitive fully underwritten life insurance for low to middle income families

Ease of Doing Business Columbian makes it easy to get started, easy to get your business issued and easy to get paid. Appointment with 1st App - No E&O requirement Simplified Issue Business Quick Pay Commissions Telephone Sales on Select Products under $35,000 Plans for All Ages All Needs Final Expense Electronic Application

Simplified Issue Products Market Features Advantages Dignified Choice – Classic Series Ages 25-75 $2,500-$35,000 Senior Final Expense Accidental, Children’s Term Riders Simplified Issue, Full or Modified Benefit Whole Life Guaranteed Issue Whole Life Ages 50-75 $2,500-$25,000 Final Expense 3 Year Modified Benefit No health questions TermLife Ages 18-65 $25,000-$200,000 Family Business 15, 20 or 30 Year 50% Return of Premium ADB, WOP, Children’s Term Riders Simplified Issue Guaranteed premiums for 15, 20, or 30 years

Fully Underwritten Products Market Features/Riders Advantages Stellar Solutions Universal Life Ages 0-80 $25,000-$10,000,000 Family Business ADB, Children’s Term, Other Insured, Primary Insured, Waiver of Monthly Deduction Fully Underwritten Flexible Premium Adjustable Benefit Flagship $20,000-$10,000,000 ADB, Children’s Term, 10 Year Level Term, WOP Riders Preferred Class Available Life Paid Up at 90 High cash values New Century Classic $35,001-$10,000,000 Family, Business ADB, Children’s Term Insurance, Other Insured Term, WOP Whole Life ParMaster $20,000-$99,999 ADB, Children’s Term, Level Term to Age 65, Other Insured, WOP No policy fee TermLine Ages 20-65 $200,001-$10,000,000 10, 15 or 20 Year Guaranteed premiums for 10 years

CFG Website - Online Resources Access the following with no log in required: Printable forms Electronic supply order forms Illustration/Proposal Software and Calculators Product training and sales training videos

Go to www.cfglife.com and click on Producer Login CFG Partners Website Go to www.cfglife.com and click on Producer Login Click Login to Partners Website

Keep Current Via Email Alerts Receive instant notifications when: Application is received, forwarded to underwriting, declined, withdrawn, postponed, modified, or closed incomplete Policy is issued Initial premium is returned Policy is placed on EFT EFT premium is returned unpaid Policy goes on Automatic Premium Loan status Policy is in danger of lapsing Case is pre-active Policy is not taken due to outstanding requirements Policyowner has requested cancellation

Incentives Exciting Sales Conferences Premium Rewards Program Family Solutions: The Ritz-Carlton, Washington DC – 2018 Final Expense: The Ritz-Carlton, Half Moon Bay CA – 2018 Premium Rewards Program (Removed REAP)

CFG – We’re Here For You Full portfolio of products Simplified issue expertise Direct access to underwriters Dedicated sales support team Clean business issued in as little as one day on simplified issue products Commissions paid daily on select products Commission advances on monthly EFT business for approved agents Online resources Email alerts Exciting incentives

Columbian Mutual Life Insurance Company Home Office: Binghamton, NY • Administrative Service Office: Binghamton, NY For use in New York only. Refers to Policy/Rider Forms 1F156A, 1F158A, 1F159A, 1H884A, 1H885, 1H864 and 1H865.