1. (insert name & title)

2. ZipApp ™, is SBLI’s streamlined drop ticket solution providing multicarrier quote access In just three simple steps, you can get business done (and get paid) faster No meddlesome paperwork, no paramed scheduling, no stress 2

3. ApplicInt –Founded in 2003 to provide better automation and technology for the insurance industry –Provides a unique multicarrier quote and drop ticket platform –Supports a streamlined end-to-end application process 3

4.  Completes Part 1 and 2 of the application packet  Captures signature(s): either voice, electronic or wet  Schedules exam  eSubmits application to SBLI  Application reviewed for underwriting decision  If approved, policy delivered Agent Fulfillment Center SBLI New Business  Selects product and rate class and provides a quote  Prepares client for interview with the fulfillment center and exam  Completes the ZipApp Ticket  Checks status 4

5.  Promote availability of ZipApp, your new multi- carrier quoting and drop ticket platform, to your agents  Watch your sales grow! Get Set Up Offer to Agents Watch the Business Flow  Contact ApplicInt to get set up and your personalized drop ticket link for your agency website 5

6.  Access ZipApp  SBLI Level Term: 10,15, 20, 25, or 30 years  SBLI Whole Life: Continuous and Limited Pay  Available for all states except New York and Montana  Enter the client’s information  Explain the next steps to the client outlining the fulfillment interview and paramedical exam process (vitals & specimens only)  All required fields must be completed  Ticket submitted to the fulfillment center Agent enters client information on ZipApp Licensed Agent determines product & rate class for client Tickets submitted electronically to fulfillment vendor 6

7.  Part 1 and Part 2 application packet completed and signatures (voice or electronic) captured  Exam (vitals and specimens only) scheduled at client’s preferred location (home, office, or fulfillment center branch office)  Application reviewed by SBLI Underwriting  Underwriting decision reached  Outcome communicated to Agency SBLI New Business Review Paramedical exam scheduled Telephone interview Submits application to SBLI Fulfillment vendor contacts client  Client contacted within 24 hours  Up to 5 additional follow-ups are attempted  Application packet sent to SBLI Underwriting 7

8. Existing Agency Onboarding* –Modify approved carriers within agency and user profiles by adding SBLI as a preferred carrier New Agency Onboarding* –Contact ApplicInt at (775) 525-5220 or calexander@Applicint- USA.com to request registrationcalexander@Applicint- USA.com –Registration completed and agency specific URL and icon provided –Communicate new ticket option to all your agents and brokers with our promotional materials *Single sign-on capability available. Contact Carrie Alexander, SVP Marketing at ApplicInt for further instructions. 8

9. Product Selection 9

10. The Quote Engine and Health Assessment ( via the Rate Analyzer if required) 10

11. Client Data Entry 11

12. Final Ticket Submission 12

13. Ticket Status Application Status 13

14. Video Support materials −GA/Producer Guide −Agent Promotional Materials −Quick Reference Guide −Client Preparation Guide −Paper Worksheet 14

15. Questions? eSubmission.requests@aglife.com For the education of producers/brokers only. Not for use with the public. The Savings Bank Life Insurance Company of Massachusetts, Woburn, MA. Products and features may not be available in all states. © 2015 All rights reserved. NAIC #70435-15-110/09/15