PRESS RELEASE. Legal & General America 3275 Bennett Creek Avenue Frederick, MD 21704 FOR MORE INFORMATION, CONTACT: Grant Andrew Legal & General America 240.994.4636 FOR IMMEDIATE RELEASE

RAYMOND JAMES ADOPTS LEGAL & GENERAL AMERICA’S eDELIVERY OF LIFE POLICIES SOLD USING QUICK LIFE FROM CAPITAS AND INSURENOW FROM TIME, A CRUMP COMPANY. Urbana, MD, August 14, 2013 – An example of industry collaboration at its best, Legal & General America has implemented a complete policy eDelivery solution with Raymond James Financial Inc. through the Capitas Quick Life electronic sales platform and the InsureNOW electronic sales platform from TIME, a Crump company. The new eDelivery process gives clients life insurance policy coverage on average 18 calendar days faster than traditional application processing, facilitates payments of initial policy premiums online, and supports any policy changes during the delivery process electronically. According to Grant Andrew, VP of New Market Development, “Legal & General America is one of a very select group of carriers to bring this innovative process to the wirehouses. We might even be the first to issue an eDelivered policy in this market.” "E-delivery reinforces our commitment to industry-leading technology," says Bill Van Law, president of Raymond James Investment Advisors Division. "It’s one more example of how we support advisors within a client-first culture." Capitas Quick Life uses state of the art technology to process today’s fully underwritten business “as efficiently as any organization in the world,” says Pat Wedeking, president of Capitas Quick Life. “In addition, we have the technology to gather third party health information and develop true “straight through processes” with life insurance carriers like Legal & General America. We believe this process will revolutionize how life insurance is sold.” “For many years, we've provided Raymond James financial advisors with one of the easiest and fastest electronic solutions for processing life insurance through our InsureNOW platform. Our leading edge technology coupled with Legal and General America’s new capabilities enables firms such as Raymond James to process life insurance applications weeks faster than paper for their clients," says Bill Eberle, senior vice president, national accounts manager for TIME. The fully electronic application submission and policy issue process, when combined with Legal & General America’s website (LGAmerica.com), provides the client with a completely paperless life insurance transaction. The LGA website allows clients to make policy changes, make premium payments and see policy values and contracts online. Legal & General America life insurance products are issued by Banner Life Insurance Company, Urbana,

MD and William Penn Life Insurance Company of New York, Garden City, NY. Banner is licensed to do business in 49 states and District of Columbia. William Penn does business exclusively in New York; Banner does not solicit business there. 13-212

Legal & General America August 14, 2013 Page 2 About Legal & General America: Legal & General America is a subsidiary of Legal & General Group Plc, the tenth largest insurance company in the world based upon admitted assets. Legal & General America ranked fourth in the US based on new coverage issued in 2012. Its protection-based life insurance products are distributed solely through independent brokerage agencies. With impeccable financial strength ratings of A+ from AM Best, AA- from Standard and Poor’s and a Comdex score of 96, Banner and William Penn term life insurance rates are consistently among the lowest in the industry. About Raymond James Financial Inc: Raymond James is a diversified financial services holding company with subsidiaries engaged primarily in investment and financial planning, in addition to investment banking and asset management. Through its four broker/dealer subsidiaries, Raymond James Financial has more than 6,200 financial advisors serving more than 2.4 million accounts in more than 2,600 locations. Total client assets are approximately $413 billion. About Capitas Financial: Capitas Financial, Inc. is a life insurance brokerage company that operates at both the national and local levels, offering a superior portfolio of insurance products and services, a state-of-the-art case management system and an extensive national account market. Capitas has more than 165 sales professionals working throughout US and Puerto Rico. About Capitas Quick Life: Capitas Quick Life is a service of The Life Insurance Center. Since 1998 it has served over 500,000 clients. The Capitas Quick Life processing center performs all quality control, processing, requirement chasing and case management on the policies to get them in force most efficiently. A central dashboard allows advisors to refer clients, submit electronic applications, check case status, run reports, and communicate with their own dedicated Capitas Quick Life team. About TIME, a Crump Company: TIME is the planning and insurance consultant to financial advisor firms throughout the US and is a key brand of Crump Life Insurance Services, a prominent independent wholesale distributor of life insurance. TIME brings expertise in estate and tax planning, business planning, charitable planning, and life insurance to the clients of financial advisors. This partnership allows the financial advisor to provide a comprehensive process to their clients, without losing focus on their own area of specialty. TIME provides the advisor with a single resource for all of their planning and insurance needs. About InsureNOW: InsureNOW is a multi-carrier application launched by Crump Life Insurance Services. AppNOW (formerly Life Solutions) offers insurance producers maximum flexibility by integrating several tools into a single platform. The full-service option includes support from a service center team that interviews clients, obtains electronic signatures, schedules exams, and orders the initial attending physician statements. The program is mobile device compatible allowing producers to transact business on the go. Cases typically process 15 days faster than traditional methods.