Reach a Broader Consumer Base with Quantum AutoSM June, 2007

The Market Opportunity The auto market is large, but experiencing slow growth Over 230 million passenger vehicles and almost 200 million drivers in the U.S. Private passenger vehicle insurance is a $170+ billion annual premium market. Competition is intensifying for customers with a focus on competitive pricing Increases in advertising and direct mail is drives shopping and switching carriers. Insurance costs are rising as vehicles become more complex and costly to repair Physical and bodily damage claims are rising It has never been more important to price individuals accurately so that they get the right rate for their perceived risk The right price for your individual risk

Quantum Auto Features & Benefits Reaches a larger market through expanded underwriting guidelines and more sophisticated pricing. Offers competitive pricing at each stage of a driver’s life. 50 Tiers Factors for every drivers age Monthly aging of claim history Automated underwriting process with no tiers to remember and fewer referrals to underwriting. Account Discount which applies to all product lines (e.g. Home, Condo, Tenant, Boat, HomeSaver, PAF, PLUS, Flood). Easy to quote and issue on ATLAS3, few additional fields to input. Multi-variate pricing sophistication uses a mix of rating variables to determine the right price, making it less likely that one single variable will make the quote uncompetitive.

Quantum Auto Keeps Your Customers Satisfied We look at many factors in determining risk so we can offer better rates, pricing each customer individually. Quantum Auto is designed to accommodate a wide range of drivers and driving records. Built in Quantum Auto credits and discounts can be enhanced by factors like: Insuring more than one car with Travelers Insuring multiple policies or the entire account with Travelers Maintaining a clean driving record Demonstrating a good student status Installing safety and anti-theft devices in your automobile

Tips for Growing your business with Quantum Auto Compete against the Direct carriers by investing in customer acquisition programs and offering multiple products. Develop partnerships with people and organizations that can deliver leads. Develop integrated marketing campaign using more media: email, print, direct mail, website, tradeshows, local events. Examine your book of business for niche opportunities (e.g. mono-line Home). Emphasize the unique protection that customers get in dealing with an independent agent, don’t just sell on price. Take advantage of a positive claim experience and ask for a referral. Strengthen your referral program. Always ask for a referral at point of sale and as a follow-up contact. Identify young drivers who will be laving their parents policies and continue the customer lifecycle. To understand how to best utilize our many marketing tools and resources to help you grow, contact your PI Sales Executive today!

Use Reference Tools to Promote Quantum Auto Tent Card This tent card is a great desktop reference with important quoting tips.

Use Consumer Brochures to Promote Quantum Auto PL-12311 (regular version) PL-13203 (slim Jim version) Offers high-level overview of Travelers Auto Insurance Highlights benefits of Quantum Auto and working with an independent agent. Tips for Use Leverage centers of influence relationships with car dealerships, loan officers and banks (they can present the brochure to potential customers during transactions that involve insurance). Include this brochure in annual mailers to customers in preparation for account reviews.

Use Advertising to Promote Quantum Auto Customizable Ad (on Agent HQ) Available with 6 different images to appeal to a wide range of consumers. Agents can customize with their logo and contact information and print free of charge! Tips for Use Advertise in local publications, newspapers and magazines.

Use Advertising to Promote Quantum Auto Drop Ad Available with 6 different images to appeal to a wide range of consumers. Agents can customize with their logo and contact information and print free of charge! Tips for Use Use in local publications (insert into newspapers) to advertise agency. Use as handouts at local events. Work with local car dealers, loan officers and backs to have the drop ad included in informational packets. Use drop ad in direct mail campaigns – tri-fold it and send it to prospects in the mail. Place the ads on the windshields of cars parked at local events.

Use Electronic Brochures to Promote Quantum Auto Electronic brochures make it easy to send product information via email. It’s also fast and free! This brochure is customizable with your agency information. Tips for Use Send to potential or existing customers via email. Use with online auto insurance quotes or proposals. Post the brochure on agency Web site.

Use Advertising Inserts to Promote Quantum Auto Available with 6 different images to appeal to a wide range of consumers. Agents can customize with their logo and contact information and print free of charge! Tips for Use Use in direct mail marketing packets such as "Valpak.“ Visit www.valpak.com for more details.

Use Posters to Promote Quantum Auto Available with 6 different images to appeal to a wide range of consumers. Agents can customize with their logo and contact information and print free of charge! The designs mirror the Advertising Inserts, as well as the Print Ads and FSIs, making it easy to execute a professional-looking marketing campaign with a consistent look and message. Tips for Use Hang in your agency waiting area. Hang in local car dealerships.

Use Email to Promote Quantum Auto ePostcards Does your agency collect customer email addresses? Customize with a choice of four images and four different messages. No postage needed and setting up the message is quick and easy! And free of charge! Tips for Use Use the “Thank You” template to welcome new customers for all lines of business. Account Round Home Send these postcards to existing Travelers customers to let them know they can save if they insure their home and auto together! Account Review This postcard can be used with existing customers to remind them of the importance of an annual insurance review.

Visit insynchtools.com today Your one-stop-shop for all Travelers sales and marketing tools. Free & customizable for your agency! Advertising PR Direct Mail Referral Programs Lead Generation E-cards E-brochures Retention Tools Rounding Tools