POWERFUL INSURANCE WITH POWERFUL PARTNERS

POWERFUL INSURANCE WITH POWERFUL PARTNERS

REAL ESTATE INSURANCE NETWORK

RIN

We Bring Solutions

Who Are We• Third Third Generation of eneration of Family amily Ownership – Established in 1928wnership – Established in 1928. Has Operated an

Insurance Agency Within the Culture of a Real Estate and Investments Firm for over 83 Years.

• Company Philosophy – Local People Providing Local Service – Success Company Philosophy – Local People Providing Local Service – Success Within a Branch Branch Officeffice Structure – Currently 10 Remote Office OperationsCurrently 10 Remote Office Operations

• Norton Agency Insurance – 70 Employees - $55,000,000 Premium Volume –Norton Agency Insurance – 70 Employees - $55,000,000 Premium Volume –

• Real Estate Insurance Network RIN – Established 1998 – Currently Real Estate Insurance Network RIN – Established 1998 – Currently Operating 5 perating 5 Separate Joint Venture Insurance Agencies with Real Estate Companies and Separate Joint Venture Insurance Agencies with Real Estate Companies and Operating in Two StatesOperating in Two States

• Part of a State Wide Buying Group, Georgia Agency Partners, giving us clout and Part of a State Wide Buying Group, Georgia Agency Partners, giving us clout and buying power with our companies. Collectively GAP is over $350 million in salesbuying power with our companies. Collectively GAP is over $350 million in sales

We Bring Solutions

Existing Joint VenturesBranding

Core Philosophy

For over 83 years, The Norton Agency has built its business by meeting the needs of our clients one at a time. Today, as

one of the largest independently owned insurance agencies in the state, we continue the philosophy of our founder, W

L Norton, to be good stewards to our clients and our community by following the guiding principles of service

and integrity that this company was built upon.

We Bring Solutions

Operations

• RIN provides immediate access to numerous national and regional insurance companies, giving the Joint Venture a very broad range of insurance products and services for sale

• A qualified and seasoned staff of agents, representing The Joint Venture by Name work directly with leads generated from Our Partner to provide quality , sound advice on which insurance products best fit the clients needs

• Fee agreement with RIN pays for hiring/training of sales agents, SALES, MARKETING and OPERATION management, and total policyholder services after the sale

• Service Center operations handle all daily customer service and policy holder service, so as part of the service agreement additional support staff is not a burden on the Joint Venture Agency

We Bring Solutions

Insurance CompanyTHE COMPANIES WE KEEP

And many more National Insurance CompaniesAnd many more National Insurance Companies

We Bring Solutions

Our Value Contribution

Fully-Operating Business Model From DAY ONEFully-Operating Business Model From DAY ONE

• Agents specialize in different fields Agents specialize in different fields Personal, Commercial, Life, HealthPersonal, Commercial, Life, Health

• Agents act as insurance advisorsAgents act as insurance advisors

• Needs focused sellingNeeds focused selling

• Accountability and UniformityAccountability and Uniformity

• Sales and Marketing ManagementSales and Marketing Management

• Preferred Insurance Company ContractsPreferred Insurance Company Contracts

• Focused Marketing PlanFocused Marketing Plan

• Back Office SupportBack Office Support

We Bring Solutions

Our Opportunity

• Consistently Interface with Clients Through Professional and Informative Marketing Pieces

• Provide On-Going Customer Service After The Sale with Uniform Branding Focus

• Create Full Circle referrals back as Client Needs Change

• The RIN Agency provides the insurance component in a Family of Services or One Stop Shopping concept for Real Estate brokerage, mortgage, insurance and title/closing arrangements

• The RIN Agency builds EQUITY

We Bring Solutions

Legal Structure

Each Joint Venture is a unique and separate operating entity sharing profit and equity appreciation at a 50/50 interest

Norton Agency Insurance provides sales management, marketing services, new sales development support and policyholder services under a separate agreement

RIN/Norton maintains all necessary software licenses, insurance company contracts and provides an insurance agency data management system and technical support

We Bring Solutions

Financial/Equity

Joint Venture LLC formed with 50–50 Ownership Interest – Partnership capital required for start up & early operating cash

The RIN process establishes and operates profitable agencies with an excellent return on equity

Joint Venture Agency value increases as commission income increases – Annual new policy sales plus existing policies renewed. An internal buy-out formula values the agency at 1.5 X revenue