1. Independent Agency System: SEMCI and the

2. SEMCI and the Independent Agency System: Who Wins? Who Loses? National Grange Mutual Insurance Company, Old Dominion Insurance Company and Main Street America Assurance Company Maine to Florida Represented by 1,200 agents; over 500 Agent Locations in New York Written Premiums in excess of $700 million 80 Years of protecting Main Street Americans Firmly committed to the future of Independent Agency System

3. SEMCI and the Independent Agency System: Who Wins? Who Loses? Straight-Through Processing and You Our industry is well-positioned for this technology. The time is now. Where do we go from here?

4. SEMCI and the Independent Agency System: Who Wins? Who Loses? You Have What Customers Want, But … You must align with companies that are committed to integrating their technology with ACORD XML standards and with your agency management system.

5. SEMCI and the Independent Agency System: Who Wins? Who Loses? Todays Insurance Consumer The real-time revolution will enable independent agents and companies to provide immediate answers. –In short, real-time is quickly becoming a competitive necessity for our distribution system.

6. SEMCI and the Independent Agency System: Who Wins? Who Loses? The Time is Now More solutions for straight-through processing

7. SEMCI and the Independent Agency System: Who Wins? Who Loses? More Transactions The number of real-time inquiries and transactions are increasing by as much as 30% a month.

8. Where Do YOU Go From Here?

9. SEMCI and the Independent Agency System: Who Wins? Who Loses? Keep Up the Momentum Develop a technology strategy for your office and a plan to get there (ACORD, AUGIE, ACT, PIA & Trade Associations can help!) Stay Current with Your Agency Managements Systems Explore if Web-based agency management systems and ASP Solutions fit in your own agencys strategy. Companies must integrate their Web site products within your normal workflow.

10. SEMCI and the Independent Agency System: Who Wins? Who Loses? What Can YOU Do Now? Ask your carriers how they intend to integrate their technology with your management system. Align yourself with carriers that support your agencys brand and the Independent Agency System.

11. SEMCI and the Independent Agency System: Who Wins? Who Loses? The Ultimate Winner: The Consumer CSR has more time to help people. Less time waiting for answers to simple questions. More convenient services. Faster turnaround: policy inquiry, issuance, etc. Fewer policy errors. Increase in customer satisfaction.

12. SEMCI and the Independent Agency System: Who Wins? Who Loses? NGMs Commitment to SEMCI Applied – 2003 Real Time Interface Award ACORD – 2004 Business Integration and Certification of the Year Award Applied – 2004 Interface Best Practice ASCNET – U.S Download Carrier of the Year

13. SEMCI and the Independent Agency System: Who Wins? Who Loses? NGMs Commitment to SEMCI 2004 & 2005 CL BOP Quick Quote and New Business – Transformation Station – 2 nd Qtr 2004 AMS Transact Now – Billing and Claims Inquiry – 3 rd Qtr 2004 AMS AFW – PL Upload Nov. 2004 AMS Sagitta – PL Upload Jan. 2005 AMS – BOP/Contractors Upload 2 nd Qtr 2005 TS – Billing and Claims Inquiry 1 st Qtr 2005 TS – PL Upload 1 st Qtr 2005 CL Download – 3 rd Qtr 2005

14. Independent Agency System: SEMCI and the