1. CIC CIC Digital Transaction Management Digitizing the entire Process © 2014 CIC Confidential & Proprietary 1

2. CIC The Life of a Financial Advisor Yesterday, Today, Tomorrow © 2014 CIC Confidential & Proprietary 2

3. CIC 3 56 Years Old Selling Insurance and Annuities for 30 years Works from Home Seminars/Leads Kitchen Table Sales Very successful Not Technical Case Study

4. CIC © 2014 CIC Confidential & Proprietary 4 Best Case – 3 in person contacts Seminar First Meeting - Fill out paperwork and get signatures Third Meeting - Deliver policy Best Case

5. CIC © 2014 CIC Confidential & Proprietary 5 Typical Case– 6 Contacts Seminar First Meeting Second Meeting - Fill out paperwork and get signatures Call or Visit – gather additional information/signatures requested from wholesaler Call or Visit – gather additional information/signatures requested from carrier Last Meeting- Deliver policy Typical Case

6. CIC © 2014 CIC Confidential & Proprietary 6 How He Does It Today  Gets PDF’s by email  Keeps PDF on desktop  One 56 page PDF  Prints the entire package  Pulls out forms he does not need  Takes to client  Fills in by hand  Faxes and overnights to wholesaler

7. CIC © 2014 CIC Confidential & Proprietary 7 A Better Way  Log in to Laser App  Pick the forms needed  Pre fill known information from CRM  Complete app with validations in Laser App  Print and collect signatures  Forms with signatures overnighted

8. CIC © 2014 CIC Confidential & Proprietary 8 The Best Way  Log in to Laser App Anywhere  Pick the forms needed  Pre fill known information from CRM  Complete app in Laser App  eSignatures in person on mobile device or via secure link in email  No printing, no faxing, can gather additional signatures via email if needed Gets Paid Faster

9. CIC CIC Digital Transaction Management Digitizing the entire Process © 2014 CIC Confidential & Proprietary 9

10. CIC 10 Digital Transaction Management Workflow  Log in to Laser App Anywhere  Pick the forms needed  Pre fill known information from CRM  Complete app in Laser App  eSignatures in person on mobile device or via secure link in email  No printing, no faxing, can gather additional signatures via email if needed  Data back to B/D and Carrier via XML with eSigned Forms  eDelivery

11. CIC © 2014 CIC Confidential & Proprietary Digital Transaction Management Digital Transaction Management is a streamlined integrated document management and eSignature solution that is the ultimate endpoint in true straight-through processing to speed up closing business and to lower cost.

12. CIC How can one product solve for all DTM use cases?

13. CIC Integration Options with workflow for opt-out/cancel/rejected due to errors Screen text/Branding/workflow per LOB Workflow options – Delivery Method (Email, Face to Face, SMS, iSign Live, etc) – Consent options (I agree or signed consent) – Signing order (hierarchy of signers) – Batch Sign, Sign 1 document at a time – Order of Documents and required documents Actions on documents (consent, form fill, sign, review, eDeliver) Verification/Authentication (Full KBA, SMS Text pin code, Q&A, basic pin, SSO, etc.) Form filling and Affirmations Signature Display in form Expiration and reminder options 22 Email templates available to customize 16 Event notifications for API and workflow integration Download options and many, many, more options © 2014 CIC Confidential & Proprietary Over 400+ Standard Configuration Options

14. CIC Multiple Initiation Options: Signature Links Sent For Each Signer URL sent back to web site © 2014 CIC Confidential & Proprietary Email pick-up link SMS or QR Code Face to face signing Over 400+ Standard Configuration Options

15. CIC © 2014 CIC Confidential & Proprietary Click-Wrap iSign Live Mobile Signing on Any Device Batch Signing *Additional signature capture methods are supported including Signature Pads Over 400+ Standard Configuration Options

16. CIC © 2014 CIC Confidential & Proprietary iSign Live  Live co-browsing of the signature process Bi-directional communications between the server and the signer’s device  Desktop can view what the signer is seeing, including the signature being captured  Agents and call centers can have a visual into what the client is seeing and help them every step of the way Demo iSign Live Agents DesktopClients Desktop/Mobile Device

17. CIC Audit trail is stored in the industry standard XML format for compatibility with consuming systems. The audit trail contains all events while going through the signing ceremony. The XML is digitally signed to ensure its integrity. XML Report from XML SignatureOne Ceremony Server – Robust Audit Trail

18. CIC © 2014 CIC Confidential & Proprietary DTM

19. CIC Form Filling, eRouting and eSigning – Illustrations, policies, contracts, forms, New Account Opening Docs, Trading Authorizations… eDelivery – Policies, Confirms, Prospectuses, Tax Docs, Statements… Policy Servicing / Customer Service – Ad Hoc forms typically found on your client site for completion and Signature – Client Self Service Forms iSign Live – Call Centers, Agents that want to hand hold clients through the signing process © 2014 CIC Confidential & Proprietary19 Use Cases

20. CIC Value Proposition Provide a streamlined process to do business electronically. Cut cycle time from days to minutes. Eliminate lost or misplaced documents. Identify document errors through the eSign workflow and request correction through an opt out process thereby reducing delays and increased labor and operational costs. Reduce cost of labor associated with manually filing and storing documents. Re-purpose staff for more important tasks than help grow your business Platform also can be used for ePolicy delivery and policy changes Reduce costs typically associated with wet-signing documents, e.g. paper, copier rentals, toner, postal/Fed-Ex fees, etc. Ensure client privacy and secure sensitive information © 2014 CIC Confidential & Proprietary

21. CIC For more information or a personal demo please contact: Mark Nevins Vice President, Sales 650.802.7844 | mnevins@CIC.commnevins@CIC.com Brett Mendenhall Senior Director, Sales 1.650.802.7730 | bmendenhall@cic.combmendenhall@cic.com Contact Info

22. CIC © 2014 CIC Confidential & Proprietary 22

23. CIC © 2014 CIC Confidential & Proprietary Accelerating Business

24. CIC © 2014 CIC Confidential & Proprietary Accelerating Business

25. CIC © 2014 CIC Confidential & Proprietary Current Processes Printing Gathering signatures Faxing and overnighting Scanning Getting approvals Updating information Resigning Reprinting Rescanning Data Entry Most documents already exist electronically and can be distributed and reviewed on PC’s and Mobile devices.

26. CIC © 2014 CIC Confidential & Proprietary Accelerating Business Digital Transaction Management is a streamlined integrated document management and eSignature solution that is the ultimate endpoint in true straight-through processing to speed up closing business and to lower cost. Utilize eApp – Rules Based eSignature – In person, email, mobile Data Feeds – Directly into consuming system Workflow Review - Electronic Additional Requirements – Electronic Policy Delivery – Electronic