POWERFUL INSURANCE WITH POWERFUL PARTNERS

We Bring Solutions Who Are We Third eneration of amily wnership – Established in 1928 Third Generation of Family Ownership – Established in 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 Branch fficeCurrently 10 Remote Office Operations Company Philosophy – Local People Providing Local Service – Success Within a Branch Office Structure – Currently 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 perating 5 Separate Joint Venture Insurance Agencies with Real Estate Companies and Operating in Two States Real Estate Insurance Network RIN – Established 1998 – Currently Operating 5 Separate Joint Venture Insurance Agencies with Real Estate Companies and Operating in Two States 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 sales 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 sales

We Bring Solutions Existing Joint Ventures Branding

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 afte r 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 Company THE COMPANIES WE KEEP And many more National Insurance Companies

We Bring Solutions Our Value Contribution Fully-Operating Business Model From DAY ONE Agents specialize in different fields Personal, Commercial, Life, Health Agents specialize in different fields Personal, Commercial, Life, Health Agents act as insurance advisors Agents act as insurance advisors Needs focused selling Needs focused selling Accountability and Uniformity Accountability and Uniformity Sales and Marketing Management Sales and Marketing Management Preferred Insurance Company Contracts Preferred Insurance Company Contracts Focused Marketing Plan Focused Marketing Plan Back Office Support Back 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