Automated Underwriting JULY STUDY GROUP

Upcoming Calls Tech Talk September 4 at 10:00am CST Tech Talk SmartOffice and Outlook Calendars: Together At Last September 11 at 10:30am CST September 20 at 10:30am CST Study Group The Forgotten Asset

On the call Stoyan Petev Vice President of Advanced Design Steve Schreiber Assistant Vice President of Advanced Design

Agenda / Objective Review were to find valuable annuity information on FHC’s website (i.e. Annuity Rate watch Introduce Colorado Bankers and discuss what sets them apart

Annuity Rate Watch Demo Steve Schreiber Assistant Vice President of Advanced Design

Newest MYGA Addition - CBLA CBL – Colorado Bankers Life B++(Good) Rated 3, 5, 7 – Year Term eApp Available Issue Ages 0-90 No MVA 10% Free WD RMD Friendly Interest After 30-days, Annuitization After 12 mos 50% Nursing Home Waiver

Rates CBLA-3 – 3.10% CBLA-5 – 3.80% CBLA-7 – 4.10%

Compensation CBLA-3 – 1.75% (0-80) CBLA-5 – 2.50% (0-80)

Upcoming Calls Tech Talk September 4 at 10:00am CST Tech Talk SmartOffice and Outlook Calendars: Together At Last September 11 at 10:30am CST September 20 at 10:30am CST Study Group The Forgotten Asset

Thank you for the time!