TOTAL INSURANCE PLUS INFORMATION BROCHURE FOR NEW MEMBER PROSPECTS

1. TOTAL INSURANCE PLUSINFORMATION BROCHURE FOR NEW MEMBER PROSPECTS Agents Serving Agents Enhancing Results for Independent Agents TM TIP BUSINESS CONFIDENTIAL

2. Thanks for your interest! Thank you for your interest in the Total Insurance Plus Network. We know there are many options available to you for accessing carrier markets and revenue sharing agreements, and we think you’ll like our approach. As detailed in this Information e-Brochure, the TIP Network is designed to be straightforward in what we offer, open in our communications with Network Members, and continually seeking ways to improve results within your Agency – through improved revenues, service efficiency, shared knowledge from other Network Members, and more. We judge our success not by our profits, but by the profits and satisfaction of our Network Member Agencies . . . . yours!! As “Agents Serving Agents,” we’ll work hard to earn your respect and trust, and we look forward to you becoming a part of the Total Insurance Plus Member Network . . . . . we think you’ll like the results! The TOTAL INSURANCE PLUS Team TIP BUSINESS CONFIDENTIAL

3. About TIP Founded in 1998, TIP is an experienced Agency Enhancement Organization TIP is a network of successful, forward thinking insurance professionals with nearly $150,000,000 in annual premium volumes TIP’s PURPOSE • To serve Independent Agencies in their pursuit of financial stability, service excellence, and marketplace access / knowledge TIP’s STRATEGY • To enhance results for Independent Agents by making services and tools available to help improve Agency revenues, operations efficiency, service delivery, and leadership TIP’s VALUES • Integrity, value, service, trust, respect. TIP BUSINESS CONFIDENTIAL

4. TIP Services In view of industry trends in revenue distribution, a key component of TIP Services is aimed to enhance revenue. However, we also seek ways to expand our Services to meet other needs of your Agency. • REVENUE ENHANCEMENT • Access to favorable carrier contract rates; access to profit sharing through aggregation of premium volumes otherwise unavailable to a single agency • COLLECTIVE WISDOM • Access to Agency Owners in the TIP Network with years of experience handling unique risk situations and finding unique carrier markets • PREFERRED VENDOR DISCOUNTS • Access to “preferred pricing” for vendor products or services common among Network Members TIP BUSINESS CONFIDENTIAL

5. Value of Network Membership We recognize that value drives loyalty, and thus we seek to provide meaningful benefits for Network Members. • Remain independent • Receive 100% commissions direct from TIP Network carriers – your commissions are paid directly to you • Have access to TIP profit-sharing agreements *subject to a loss ratio capwith reasonable annual premiums • Minimize the risk exposure from catastrophic losses by reason of the geographic expanse and combined premium volumes of the TIP Network • Benefit from TIP’s preferred vendor relationships • Have access to a wider array of markets, thus enabling you to place more accounts • Gain value from a knowledge base of other TIP Agency Owners and Business Advisors TIP BUSINESS CONFIDENTIAL

6. Carrier Partners Aiming to provide you with access to a range of carriers for nearly any insurance need, TIP has contracts with some of the most financially stable and prestigious insurance companies world-wide. • TIP’s Network Carrier Portfolio currently includes the following premier carriers: Accident Fund All Risks AmWins Brokerage Builders Mutual Central Insurance CNA Insurance Donegal Employers Foremost Frankenmuth Mutual Guard Harford Mutual The Hartford Jackson Sumner Liberty Mutual Met Life National General Nationwide Philadelphia Safeco Insurance State Auto TIP Finance LLC* Tapco Travelers United Heartland Utica National *Special financing relationship with TIP Finance LLC through: Imperial PFS and Premium Assignment Corporation* TIP BUSINESS CONFIDENTIAL

7. Revenue Opportunities As a TIP Network Member, you may have access to revenue gains often unavailable to a single agency -- perhaps from higher contract rates, or from profit sharing with reasonable premium volume demands • Enhanced profit sharing income from TIP’s carrier relationships and aggregated premium volumes – profit sharing which is often not accessible to a single agency • New revenue streams or “bonus incentives” from TIP’s expanded carrier offerings and product offerings – with more carriers being added to the TIP Network and with new offerings being developed TIP BUSINESS CONFIDENTIAL

8. Criteria for Network Membership Our Membership Criteria is designed to strengthen the quality of the Network – thereby enhancing TIP’s overall value to you, carriers, and other Network Members. • A consistent record of high moral and ethical standards • A stable financial company with a reputation for client service and value • Reasonable business volumes with TIP Network Carriers, and a willingness to grow those volumes through selection • Acceptable loss ratios which exhibit thoughtful risk analysis and underwriting TIP BUSINESS CONFIDENTIAL

9. Costs of Network Membership Because our primary goal is to serve Network Members rather than to accumulate wealth, our costs are low. For Network Members who join now, our costs are exceptionally low! • TIP entry fee --- $0 • TIP monthly Network Member fee --- $400 • TIP add-on fees and hidden costs --- $0 • Fees are due and payable at the beginning of each month • Network Membership fees begin at the start of the month following our acceptance of your Network Membership Application • We prefer to handle monthly billings and payments with a Bank Drafting Authorization TIP BUSINESS CONFIDENTIAL

10. Enrollment Process Our enrollment process is simple, yet meaningful in order to protect the overall value of Network Membership. • YOU prepare and submit a brief Network Membership Application • Current book of business with selected carriers, current loss ratios, other disclosures • WE will conduct a brief internal due diligence review of your Application • Network Membership will begin at the start of the month following our acceptance of your Network Membership Application • Participation in carrier appointments and annual profit sharing arrangements is governed by the schedule of each individual carrier – an earlier enrollment improves the chances for your earlier participation TIP BUSINESS CONFIDENTIAL

11. Why You Should Consider TIP • EXPANDED ACCESS TO CARRIER MARKETS. TIP helps its Network Members develop new or improved carrier relationships, often providing access to new carrier appointments with reasonable volume commitments. • INCREASED REVENUE AND PROFIT. TIP’s reputation and success has earned enhanced agreements with many Network Carriers, helping Network Members earn more revenue and more profit sharing. • NEGOTIATING LEVERAGE & LOW COST. TIP doesn’t own or manage your agency, yet you benefit from TIP’s leverage with carriers and with vendors which provide discounts for products and services. TIP doesn’t charge an entry fee, and you can terminate your TIP Membership with 15 days notice. • COLLECTIVE EXPERIENCES. The collective experiences of TIP’s Members is considerable with respect to unique risk situations and markets . . . and those experiences are willingly shared across the TIP Membership. TIP BUSINESS CONFIDENTIAL

12. TIP is not Simply an “Aggregator” • By choice, TIP IS NOT SIMPLY AN AGGREGATOR! • Our GOAL IS MEMBER SUCCESS --- not shareholder returns, notexecutive bonuses, not fancy overhead • Our ADDED VALUE IS FOUND IN BEING A CARRIER PARTNER to help achieve growth and profitability, not simply to negotiate a differing split of a fixed or eroding portfolio • We are an “INVITATION ONLY MEMBERSHIP” --- thus protecting quality which can, if not properly maintained, be diluted by simply focusing on growth in numbers TIP BUSINESS CONFIDENTIAL

13. Potential Benefits of TIP Membership The exact nature of benefits applicable and / or valuable to your Agency will vary by reason of the Agency’s current book of business, strategy, loss ratio performance, and more. The examples listed here are for examples only – each is legitimate and true, but each may not apply in the case of all Agencies. • Total Insurance Plus (TIP) has a successful track record as a network developer and aggregator, and it also has a record of negotiations yielding competitive commissions, premium volume commitments, and profit sharing incentives with its Carrier Network members. • TIP is owned by Independent Agents who themselves value and respect independence! As a result, TIP does NOT seek to manage, brand or otherwise control your agency in any sense. TIP BUSINESS CONFIDENTIAL

14. Potential Benefits of TIP Membership The exact nature of benefits applicable and / or valuable to your Agency will vary by reason of the Agency’s current book of business, strategy, loss ratio performance, and more. The examples listed here are for examples only – each is legitimate and true, but each may not apply in the case of all Agencies. • TIP’s business strategy is to serve independent agencies, not to accumulate wealth in support of corporate overhead or stockholder gains. As a result, the cost of Network Membership is low and the yield is high – our entry fee is ZERO, our monthly membership fee is $400 fixed for the duration of you uninterrupted membership, and our distribution of profit sharing incentives is 90% • As a TIP Network Member, you continue to receive 100% of your commissions direct from TIP’s Carrier Network – paid directly to you !! TIP BUSINESS CONFIDENTIAL

15. Potential Benefits of TIP Membership The exact nature of benefits applicable and / or valuable to your Agency will vary by reason of the Agency’s current book of business, strategy, loss ratio performance, and more. The examples listed here are for examples only – each is legitimate and true, but each may not apply in the case of all Agencies. Many Network Members may --- • be able to gain access to a wider array of carrier markets not otherwise available to them currently • have access to Profit Sharing Incentives from selected carriers which do not widely offer such Incentives to smaller agencies • be more favorably viewed as to their premium volume commitments with selected carriers • have access to preferred TIP discounts for selected products and services helpful to their Agency’s success TIP BUSINESS CONFIDENTIAL

16. FAQ’s We invite your questions about Network Membership. Included here are some Frequently Asked Questions received from other Network Member prospects. • How often and when do I receive profit sharing incentives? • Most profit sharing agreements pay out annually, many based on calendar year results with payouts in March or April of the following year. As soon as TIP receives a profit sharing distribution, we promptly calculate and remit your payout without delay. • Does being a TIP Network Member restrict my activities with other networks? • We believe that working solely within the TIP Network will enhance the value of your membership, yet if there are reasons you prefer to work in other networks it is not prohibitive. TIP BUSINESS CONFIDENTIAL

17. FAQ’s continued • Does TIP have a Board of Directors, and do Network Members have an opportunity for input to the organization? • The nine Owner Member Agencies serve as the Board of Directors. Through both regular and ad hoc communications, TIP Network Members have an active level of input into TIP’s strategies, programs, and services. • Do I lose my contract with a carrier when I enroll with TIP for profit sharing? • NO. The Agency Agreement between your Agency and a carrier remains intact when you enroll with TIP. Solely for reporting and profit share purposes, you will be listed under TIP’s master code with any given carrier for profit share purposes. TIP BUSINESS CONFIDENTIAL

18. FAQ’s continued • How does my participation in TIP’s Profit Sharing Agreements work? • After your agency is accepted by one of the carriers with which TIP has a Profit Sharing Agreement, you are enrolled as a sub-code under that Agreement. When profit sharing distributions are received, you are then paid your share based on annual premium volumes and subject to a satisfactory loss ratio. • As an example, if TIP receives $50,000 in profit sharing from Carrier ABC, TIP withholds 10% of that amount as a Network Manager Fee and distributes the full remainder amount (in this example that being $45,000) to the Network Members. • If the annual premium volume of your agency is 12% of the total TIP annual premium volumes with that carrier, then you receive a 12% allocation of the TIP net annual profit sharing with that carrier, or in this example 12% times $45,000 = $5,400. • Profit sharing is available only for profitable books of business – currently a 70% one year Loss Ratio is our cap to be eligible for profit sharing, subject to annual adjustments by each individual Carrier relationship as warranted. TIP BUSINESS CONFIDENTIAL

19. FAQ’s continued • When writing business with TIP Network Carriers, are commission payments made through TIP and is TIP reflected on the Declarations Pages of my policy documents? • NO, 100% of all commission payments and reports are delivered directly by the carrier to your Agency; and NO, TIP’s name and brand are invisible to your policyholders – we work fully “behind the scenes,” it’s your business! • When can I enroll? • Network Membership Applications are now available and your Network Membership can begin in the month TIP approves your Application If you have additional questions or comments, please contact any of the TIP Owner Members listed on the following slide. TIP BUSINESS CONFIDENTIAL

20. Contact Us To become a TIP Network Member, contact any of the Owner Members listed below. MARK BREEDEN MARK RICE DON STROUD Breeden Insurance Callahan & Rice Insurance Hartsfield and Nash Insurance Lexington, NC Fayetteville, NC Wake Forest, NC 336-309-0530 910-484-6171919-556-3698 EMILY HODGES or JAY BRYAN or KEVIN STANBERRY or ALLISON WESTMORELAND JOSH CHAPPELL SCOTT STANBERRY Hodges Insurance Jennings Bryan–Chappell Insurance Stanberry Insurance Louisburg, NC Burlington, NC Sylva, NC 919-496-5155 336-227-7458 828-586-8926 DAVID PURINAI CHRIS PELNIK ROB SQUATRIGLIA MSH Insurance Pelnik Insurance Summit Insurance Rocky Mount, NC Cary, NC Huntersville, NC 252-446-7188 919-459-8000 704-659-2141 TIP BUSINESS CONFIDENTIAL