1. Becoming THE Resource for Your Clients Who is Summit Consolidated Group January 19, 2009

2. Summit Consolidated Group SCG is a multi-disciplinary group of companies that provide clients and their advisors with expertise and support in a variety of competencies ranging from insurance to employee/corporate benefits to HR support. SCGs goal is to become the advisors primary support resource in support of their markets abilities to save time, save money and reduce risk. The One Stop Shop concept is real and is called The Summit Resource Center

3. Retail Product and Services Group Medical Group Ancillary Worksite Products Corporate Retirement Plans Corporate Deferred Compensation Plans P&C (Personal, Commercial, W-C) Mortgage Financing Human Resource Services Benefit Administration & Management Services Wealth Management Executive Benefits & Individual Insurance Products

4. Advisor/Broker/Affiliate Services: Strategic &Tactical Business Planning Business Intelligence Marketing & Market Development Branding and Co-Branding Operational (Process and Procedure) Financial Accounting and Reporting Technology and Efficiency Tools Compliance and Legal Assistance Real Estate and Capital Acquisition Training and Development Succession Planning and Implementation

5. 5 Facilitate Manage Consult

6. M & A Services TelaMedicine Web Dependent Eligibility Audit Financial Outsourcing Consulting Services HR Administration Benefit Communications Benefit Administration

7. Property Casualty Voluntary Benefits Retirement Services Wealth Management Estate Planning Individual Insurance Services Succession Planning Group Medical Executive Benefits Group Ancillary

8. Benefit Administration Web Dependent Eligibility Audit FSA HRA HSA Case & Disease Management Claims Administration Cobra Administration Wellness Culture Cafeteria Plan Administration Consolidated Billing Leave Management FMLA

9. Summit Core Competencies 9

10. Group Medical & Ancillary Self funded Medical -- Alternative Financing 401(k) -- Retirement Plans Voluntary Products -- Worksite Purchases Individual Insurance Products & Services Wealth Management -- Investments Information Technology Family Office HR Management & Services Payroll Legal - Compliance Tax Planning Mergers & Acquisitions -- JVs - P.E. – V.C. Real Estate Mortgages -- Personal & Business Property & Casualty, Ins. WIP Summit Consolidated Group Resource Center Big Picture View Distribution Driven – Relationship Managers & Specialists

11. The Value of Leverage Through our broad service model and partnering culture each of you can leverage your relationship in a way that will.... Broaden Your Proven Services Enhance Your Client Relationships Improve Your Client Retention Insulate Your Clients from Competitors Diversify Your Revenue Sources Open New Opportunities..... without distracting you from your core business.

12. Questions ????