1. Critical Illness Virtual Enrollments To Quote & Enroll On-line, Ensure that the below is Completed First.  Appointment Paperwork Submitted (Issued in 7-10 Business Days).  Registered and/or Received Virtual Enrollments links. *Please Note* Individual CBS Writing Number is Not Required to Get Started. Writing Number is generated upon approval of first business. Need Help? Contact Us For Assistance – 1-888-455-7462 E-mail – Leo@cbsinsurance.net

2.  Agents Register for Individual Set of Enrollment Links.  Virtual links Should Be Utilized On ALL On-line C.I. Apps. LINK 1/STEP1 – For Quotes & Initial App: www.agentusername.virtualinsurance.net LINK 2/STEP2 – For App Completion & Upload: www.agentusername.virtualinsurance.net/admin Virtual Links are Utilized For Business Submission ONLY. For Policy/Commission Tracking, Contact CBS 1-888-455-7462 Always Utilize VirtualInsurance.net

3.  All Apps Start Here.  Utilize Personal Link - www.agentusername.virtualinsurance.net Quote Site Landing Page

4. Preparing A Quote  Be Precise – Accuracy Counts!  Legal Names Only.  E-mail IS Necessary.  Select Correct State.  12 MO Tobacco Look Back. (Applies to all Proposed Insureds)  Face Amount – Even Face Amount.  Money Purchase – Even Dollar Amount.  Face Amount Cannot Exceed 5X Household Income.  If No Income - $20 Max Premium. Non-Med Limits – 18-50: $125K – 50+: $100K *Note* List Bill requires Paper App – At least 3 to a group. Contact CBS for Help!

5. Summary of Benefits  Face Amounts are Fixed for Spouse & Child Riders. Click To Continue.

6. Proposed Insured Page  COMPLETE ALL FIELDS!  Social Security Required.  Physical Address Required - No P.O. Box!  Citizenship Y/N Question Must Be Answered.  State/Country of Birth Required.  Beneficiary Required – If None Available – Type ‘ESTATE ESTATE’ As First & Last Name.  If Client is a U.S. Permanent Resident: Contact CBS For Non-Citizen Instructions 1-888-455-7462  Non-Permanent Residents/Work Visa Residents Cannot Be Covered

7. Plan Information – Family Rider Page  Select Method of Payment - Follow Prompts.  If Payer Applies – Complete Fields.  If Adding Family – CLICK C.C.F.R.!  Complete ALL Additional Insured Fields When Adding Family.  Additional Benefit Rider – ALWAYS NO!  2 Auto Premium Loan/Withdrawal Questions - ALWAYS NO!

8. Medical Questions  Questions 1-8 Apply to ALL Proposed Insureds.  Tobacco question must correspond to how app was quoted.  Family History question applies to IMMEDIATE FAMILY (Mother, Father, Sibling) Diagnosed BEFORE age 60. Yes Answers – DETAILS!  Who Was Diagnosed?  What Condition?  Date of Diagnosis?  Medications?  Dr. Contact Info.

9. Method of Payment  Only Monthly Pay On-line – Other Pay Methods (I.E. Quarterly, Annual, etc.) Require Paper Apps. Contact CBS for info.  Payable via Monthly ACH Bank Draft or Credit Card. (VISA & MC ONLY for CC.)  Credit Cards are Charged Immediately!  Processing Credit Card Payments – Click ‘Pay Now’ ONCE! – Multiple Clicks = Multiple Charges!  If Payer Applies for ACH – Select & Follow Prompts.  ACH Bank Draft Allows Choice in Draft Date between 1-28 of Month. Date indicated becomes the set draft day for future months. First Debit Can be Postdated Up to 30 Days.  If No ACH Date Selected – Drafts On Approval.  Payment Can Be Bypassed and Completed Later Via Virtual Back Office.

10. Application Disclosures  Scroll Through & Continue When Ready.  City & State must match Client’s Residency & State Selected on Quote Page

11. Client E-Signature  Agent Cannot Sign For Client!  Client must be Present or on Screen Sharing Program.  If Screen Sharing – Program Must Allow Option To Hand Over Controls! If Not – E-mail for Signature.  Signature Can be Bypassed & Collected from Virtual Back Office by sending E- mail to Client.  Client will review information and Click ‘Sign’ to apply E-Signature & Continue.

12. Step 1 of 2 Complete – Proceed to Back Office.  App is Not Complete - Always Proceed to Back Office After This Page!  App Still Requires Agent Signature & Upload to Underwriters.  Click to Access Virtual Back Office – OR – Exit and Type virtualinsurance.net/admin link.  If Client E-Signature was skipped – Back Office Steps will help collect the signature via E-mail to Client.

13. Step 2 of 2 – Virtual Back Office  Back Office is Accessed via Agent’s Link 2 - www.agentusername.virtualinsurance.net/admin Steps to Complete  Click – List Policies  Click – Clients Name  Follow Instructions – Repeat Until UPLOAD!

14. List Policies Page Status Legend  “C”: Client Signed  “A”: Agent Signed  “U”: Uploaded to CBL  “$”: Client paid by credit card  “P”: Payer Signed (If Applicable) Steps to Complete  Click – List Policies  Click – Clients Name  Follow Instructions – Repeat Until UPLOAD!

15. Back Office Client Page  ALWAYS Comply With Green Sentence Instruction! It’s there to HELP! Steps to Complete  Click – List Policies  Click – Clients Name  Follow Green Sentence Instructions – REPEAT Until UPLOAD!

16. App Review & Agent Report  Review app, click ‘Next’ to proceed. Do this until Agent Report Page Appears.  Complete Agent Report Accordingly – Answers do NOT affect Underwriting – For Home Office Use Only.  From Agent Report, continue until Back Office Home Page.

17. Back Office E-Signature Steps to Complete  Click – List Policies  Click – Clients Name  Follow Green Sentence Instructions – REPEAT Until UPLOAD!  Agent/Client/Payer Can All Apply E-Signature Through Repetition of This Step.

18. Final Step – UPLOAD! Steps to Complete  Click – List Policies  Click – Clients Name  Follow Green Sentence Instructions – REPEAT Until UPLOAD!  Once All Requirements are met, Green Sentence is replaced By UPLOAD to CBL Button – CLICK TO UPLOAD APP TO UNDERWRITERS!  APP IS INCOMPLETE UNTIL UPLOADED! CONGRATULATIONS! App is Complete!

19. Avoid Common Errors! Errors = Amendments. Amendments can lead to N.T.O. N.T.O. = CHARGEBACKS!  Select Correct State on Quote Screen.  Tobacco Question – Applies to ALL Proposed Insured’s – 12 MO Look back.  Provide Complete PHYSICAL Address – P.O. Box Not Acceptable.  Verify SSN – Input Accurately!  State/Country of Birth MUST be Answered. If born outside of U.S. Indicate COUNTRY/NOT CONTINENT!  ACH Draft Date – Can Postdate up to 30 Days, between 1-28 of Month.  Provide Beneficiary – If None Available – Type: ESTATE ESTATE as First/Last Name.  Adding Family Rider? MUST CHECK C.C.F.R. Box to Provide Additional Proposed Insureds.  Medical Questions Yes Answers Require DETAILS: Who is answering Yes, What Condition, Date of Diagnosis, Medications, Dr. Contact info.  Credit Cards – Click Pay Now ONCE!

20. Thank You – Good Selling! Questions? We’re Here to Help! CBS Insurance - Agent Services P.O. Box 50145 Phoenix, AZ 85076 Toll Free: 1-888-455-7462 Fax: 480-706-4507 Leo D. Barrera – Marketing Director – Leo@cbsinsurance.net Laurie Lunsford – Office Manager – Laurie@cbsinsurance.net Dearborn National (Client Services) – 1-800-367-7814