“Making Property & Casualty Insurance… Simple” Wave Financial Partners, Inc. an Independent Property & Casualty Insurance Agency Auto / Home / Commercial

Our Mission: To provide the best possible solution for families and business owners to shop their Insurance, properly protect their assets, and save money.

Our Market: What do 300 million people in America have in common? They all want to save $ on Auto Insurance and Homeowners Insurance!

What’s more important than saving money…being properly insured! Coverage counseling: Comprehensive coverage Proper liability limits No gaps in coverage Our Value:

Our Goals: Help 1,000,000 families insure their assets with Property & Casualty Insurance! Develop 10,000 Marketing Directors

What we have to offer YOU: A Simple and Unique Business Opportunity:  Open your own Insurance Agency and tap into a $500+ billion Industry!  Earn commissions and renewals from your own “book of business”  Set your own hours and be your own boss  Expand nationally with no limits  Must be Properly Licensed

Wave Financial Partners A Full-Service Property & Casualty Insurance Agency Leadership: Leadership: Wave’s leadership team has the knowledge and talent to create a unique business opportunity and environment. We believe in empowering those around us to be the best that they can be and in serving others. Options: Options: As a full-service Independent Agency, we value our carrier partner relationships. We recognize that to serve our customers we must have the products and resources available to best suit their needs. Technology: Technology: We have created and implemented robust technology in the areas of customer development, agency management and commission systems that are unique in the industry. Service: Service: We have a team of experts that quote and service all lines of property & casualty insurance for you and your clients.

How does it work? Marketing Director :  You meet with prospective clients:  Complete the Preliminary Questionnaire  Enter their request into our on-line referral system  Attach the current declaration pages  Experienced professionals call your client, gather additional information, quote and bind coverage  Once issued, you receive 25% - 30% - 35% of the first term commissions and renewal commissions for the life of the client with Wave!  Commissions on all cross-sell products

How does it work? 5 step Referral Process: 1.Meet with prospective clients 2.Complete the Preliminary Questionnaire 3.Obtain copies of their current Declaration Pages 4.Enter their request into our on-line referral system 5.Follow up on referral progress in WaveTrack

Referral NameMD Name Referral Address X Referral Name ticket ; no accidents Client has a primary residence and 2 automobiles Referral Name X ABC Insurance CO$9,500 Barry Enterprises, Inc. Barry’s Burger Barn Barry Bolton Main Street, Denver, CO same $400,000 $600,000X 3,500 XX Casual restaurant serving hamburgers; beer & alcohol; delivery service.

User Name Password

Afternoons 1 pm – 5 pm Colorado 1111 Success Way Denver, CO Last Name First Name Pre-populated with your MD Name

Afternoons 1 pm – 5 pm Colorado 1111 Success Way Denver, CO Last Name First Name Client & close friend X If checked, will open additional questions

Referral Name Referral Name

1 ticket ; no accidents X X X

Afternoons 1 pm – 5 pm Colorado 1111 Success Way Denver, CO Last Name First Name Client & close friend X If checked, will open additional questions

X ABC Insurance CO $9,500 Barry Enterprises, Inc. Barry’s Burger Barn Main Street, Denver, CO same $400,000

$600,000 X 3,500 X X Casual restaurant serving hamburgers; beer & alcohol; delivery service. X

Afternoons 1 pm – 5 pm Colorado 1111 Success Way Denver, CO Last Name First Name Client & close friend X X This client is my neighbor. They have 3 auto’s, 1 home, 1 rental, and owns a business. Save Once saved, you will be able to attach Documents/Dec Pages and submit for Review.

Click Referral ID to open a saved referral and attach Declaration Pages

Click here to attach a file/declaration pages. Click “Upload” to add the file. Check to make sure all files have been added. Once your referral is complete, click “Submit”

Wave Solution Center

Click Referral ID to open any pending referral. You can create a new referral by clicking here. Check the status of all pending referrals. Once a referral is submitted and accepted, you will see it here

WaveTrack: Sample Click here to add a note

Who’s who in the Industry? 1.State Farm 2.AIG 3.Allstate 4.Liberty Mutual 5.Nationwide $49.3 billion $37.6 billion $27.6 billion $20.2 billion $16.1 billion

Who’s who in the Industry? 1.Travelers 2.Progressive 3.Hartford 4.Safeco 5.Metropolitan $22.1 billion $13.9 billion $11.5 billion $ 5.9 billion $ 3.0 billion

$500 billion+ Industry 1.State Farm 2.AIG 3.Allstate 4.Liberty Mutual 5.Nationwide Total: $149 billion Captive/Direct Independent $22 billion $13 billion $11 billion $ 6 billion $ 3 billion Total: $55 billion 1.Travelers 2.Progressive 3.Hartford 4.Safeco 5.Metropolitan $49 billion $37 billion $27 billion $20 billion $16 billion 70% 30%

$500 billion+ Industry 1.State Farm 2.AIG 3.Allstate 4.Liberty Mutual 5.Nationwide Total: $149 billion Captive/Direct Independent $200 billion shift in Premiums $22 billion $13 billion $11 billion $ 6 billion $ 3 billion Total: $55 billion 1.Travelers 2.Progressive 3.Hartford 4.Safeco 5.Metropolitan $49 billion $37 billion $27 billion $20 billion $16 billion 70% 30%

Captive (vs) Independent

There are two basic ways that Insurance Agents do business: 1. As a Captive Agent or 2. Totally Independent

Captive Agent: As a Captive Agent, you are typically contracted with one company. You build a book of business inside their walls using their proprietary products and administrative resources. Advantages Training / Support Name Recognition Disadvantages Limited product offering Difficult to remain competitive Captive (vs) Independent

Independent Agent: As an Independent Agent, you have the ability to be contracted with multiple carriers and the freedom to own and operate your own agency. Advantages Competitive pricing Long Term client base Disadvantages Difficult to obtain top contracts Expensive Mgt Systems Captive (vs) Independent

Wave Financial Partners: As a Wave Partner, you have the best of both! You can be Independent without being by yourself. Competitive products, world-class service, and the freedom to own and operate your own business. Advantages Competitive pricing Long Term client base Advantages Top contracts Freedom & Independence Solution:

How do I Get Paid? 25% - 30% - 35% 5% - 1% - 1% Refer a Client: Refer an Agent: New Business & Renewals …Build a Team of Agents Build a Clientele… New Business & Renewals Ex: $3,000 premium X 15% = $450 $450 X 25% = $ $450 X 30% = $ $450 X 35% = $157.50

How Do I Get Paid? $5,000 - $24,999 Referring Clients: 25% 30% 35% Client Income: (highest 12 months) (highest 12 months) MD Commission: (new business & renewals) $0 - $4,999 $25,000 + Tier: (promotion level) (promotion level) Platinum Gold Silver Client Income is income derived from personal referrals. Once MD is promoted to a new Tier Level, all future new business and renewals will be paid at the new Tier level. Tier levels and qualification subject to change. All entities or persons must be properly licensed.

How Do I Get Paid? Level 2 Referring Marketing Directors: 5% 1% MD Level: (to Sponsor MD) (to Sponsor MD) MD Commission: (new business & renewals) Level 1 Level 3 Tier: (promotion level) (promotion level) VP Executive Partner Total Income is income derived from personal referrals & commissions received from direct recruited MDs. Once MD is promoted to a new Tier Level, all future new business and renewals will be paid at the new Tier level. Tier levels and qualification subject to change. All entities or persons must be properly licensed.

Become a Marketing Director: Obtain P&C Licensing WFP: 50 new families per year (4 per month) X $3,000 annual premiums = $150,000 premiums Avg. Gross Commission: 15% = $22,500 Silver Silver: 25% = $5,625 Gold Gold: 30% = $6,750 Platinum Platinum: 35% = $7,875 Silver Year 1: Income Potential: = $5,625 Silver Gold Year 2: Income Potential: = $13,500 Gold Gold Year 3: Income Potential: = $20,250 Gold Platinum Year 4: Income Potential: = $29,250 Platinum Platinum Year 5: Income Potential: = $39,375 Platinum *The earnings projections shown above are based upon new business from 50 clients per year paying an average of $3,000 in premiums and a 100% retention rate. Actual earnings will be lower based on actual retention rates. The above figures should not be considered as guarantees or projections of actual earnings. Promotion Tier Levels subject to change. What about Me? Mary: Financial Professional Experience: 12 years Current Income: $100,000 Offering: Life Insurance, Estate Planning, Investments and Annuities Client Base: 500 families

Become a Marketing Director: Obtain P&C Licensing WFP: 200 new families per year (16 per month) X $3,000 annual premiums = $600,000 premiums Avg. Gross Commission: 15% = $90,000 Silver Silver: 25% = $22,500 Gold Gold: 30% = $27,000 Platinum Platinum: 35% = $31,500 Silver/Gold/Platinum Year 1: Income Potential: = $25,000 Silver/Gold/Platinum Platinum Year 2: Income Potential: = $62,500 Platinum Platinum Year 3: Income Potential: = $94,500 Platinum Platinum Year 4: Income Potential: = $126,000 Platinum Platinum Year 5: Income Potential: = $157,500 Platinum *The earnings projections shown above are based upon new business from 50 clients per year paying an average of $3,000 in premiums and a 100% retention rate. Actual earnings will be lower based on actual retention rates. The above figures should not be considered as guarantees or projections of actual earnings. Promotion Tier Levels subject to change. What about Me? Mary: Financial Professional Experience: 12 years Current Income: $100,000 Offering: Life Insurance, Estate Planning, Investments and Annuities Client Base: 500 families

Ben: Real Estate Agent / Mortgage Broker Experience: 5 years Current Income: $80,000 Goal: Supplement his income by offering additional products to serve his clients needs Center of Influence: 1,000 business professionals Referring MD’s? Recruiting other Marketing Directors: WFP: Refer 5 New Marketing Directors 50 new clients annually X $3,000 annual premiums = $150,000 premiums X 5 MD’s = $750,000 (direct) Avg. Gross Commission: 15% = $112,500 Partner Partner: 5% = 5 Marketing Directors Executive Executive: 1% = 10 Marketing Directors VP VP: 1% = 20 Marketing Directors Year 1: Income Potential: = $12,375 Year 2: Income Potential: = $24,750 Year 3: Income Potential: = $37,125 Year 4: Income Potential: = $49,500 Year 5: Income Potential: = $61,875 * The earnings projections shown above are based upon the enrollment of 5 new marketing directors who each generate new business from 50 clients paying an average of $3000 in annual premiums and a 100% retention rate. Actual earnings will be lower based on actual retention rates. The above figures should not be considered as guarantees or projections of actual earnings. Promotion Tier Levels subject to change.

Ben: Real Estate Agent / Mortgage Broker Experience: 5 years Current Income: $80,000 Goal: Supplement his income by offering additional products to serve his clients needs Center of Influence: 1,000 business professionals Referring MD’s? Recruiting other Marketing Directors: WFP: Refer 20 New Marketing Directors 50 new clients annually X $3,000 annual premiums = $150,000 premiums X 20 MD’s = $3 mil (direct) Avg. Gross Commission: 15% = $450,000 Partner Partner: 5% = 20 Marketing Directors Executive Executive: 1% = 60 Marketing Directors VP VP: 1% = 120 Marketing Directors Year 1: Income Potential: = $63,000 Year 2: Income Potential: = $126,000 Year 3: Income Potential: = $189,000 Year 4: Income Potential: = $252,000 Year 5: Income Potential: = $315,000 * The earnings projections shown above are based upon the enrollment of 5 new marketing directors who each generate new business from 50 clients paying an average of $3000 in annual premiums and a 100% retention rate. Actual earnings will be lower based on actual retention rates. The above figures should not be considered as guarantees or projections of actual earnings. Promotion Tier Levels subject to change.

Products Available Auto – Home – Umbrella - Renters – Landlord RV’s – Classic Auto’s – Motorcycles Personal Lines: Commercial Lines: Property - General Liability – Workers Comp Commercial Auto

Carriers:

How to get started? Complete the Marketing Director Application: $99 Get properly licensed in each State of production Enter Referrals: Get Paid!!! Recruit & train other Marketing Directors Get Paid on their closed referrals!!! Build a Clientele: Build a Business:

(866) 341-WAVE (9283) Dave Kevelighan – Direct: Auto / Home / Commercial Thank You Wave Financial Partners, Inc.

Wave Financial Partners A Full-Service Property & Casualty Insurance Agency Education: Education: Shopping for P&C insurance can be a daunting task. It requires searching the market and determining which is the best option for you. Wave’s experienced team of experts guide you through the process and educate you about policy benefits and cost saving opportunities. Options: Options: As a full-service Independent Agency, Wave values its carrier partner relationships. We recognize that to properly serve our customers, we must have the products and resources available to best suit their needs. Technology: Technology: Wave uses state-of-the-art technology and systems that enable us to shop coverage options for new customers, while also receiving a daily upload and download of detailed policy information for all of our existing customers. These systems make shopping for P&C insurance simple for you the customer. Service: Service: Wave has a team of experts that quote and service all lines of property & casualty insurance for both your current and future needs.

Wave Financial Partners A Full-Service Property & Casualty Insurance Agency Leadership: Over 100 years combined experience Access: Independent Agency with over 35 top-rated companies Service: Licensed professionals quote and service all lines of property & casualty insurance for you and your clients.

Wave is a referral based marketing program designed to provide options for Financial Professionals; including Financial Advisors – Life & Health Insurance Agents – Real Estate Professionals – CPAs, and other professionals to refer a full range of competitively priced and value based property & casualty insurance services to their clients. Our Uniqueness: