1. May 2007 Networked Insurance Agents Copyright 2007 Networked gives you the tools you need to make your Personal Lines business grow! Networked Insurance Personal Lines

2. May 2007 Networked Insurance Agents Copyright 2007

3. May 2007 Networked Insurance Agents Copyright 2007 Personal Lines Management   Scott SmithPersonal Lines Manager (530) 274-6981scott.smith@networkedins.com   Gina BajoneTeam Lead and PL Underwriter (530) 274-6923 gina.bajone@networkedins.com

4. May 2007 Networked Insurance Agents Copyright 2007 Personal Lines Underwriters  Erin Cummings Handles: TSVP Will Staffhorst (530) 274-6932erin.cummings@networkedins.com  Jeanine HaringHandles: TSVP Rocco DeMateis; Larry Oslie (530) 477-3938jeanine.haring@networkedins.com  Ashley Hearing Handles: TSVP: Texas; Apinya Nguy; Marcia Ruddick; Chris Decolati (530) 477-3905ashley.hearing@networkedins.com

5. May 2007 Networked Insurance Agents Copyright 2007 Personal Lines CSR’s  Sara Zahm Handles: Texas, N Central, Southeast territories (530) 274-6927sara.zahm@networkedins.com  Jackie Atkinson Handles: N Coast Bay and Rocky Mountain States (530)274-6985jackie.atkinson@networkedins.com  Amber Stone Handles: Orange and Nevada territories (530) 274-6978 amber.stone@networkedins.com  Lisa Lines Handles: C South Bay and Northwest territories (530) 274-6970 lisalines@networkedins.com

6. May 2007 Networked Insurance Agents Copyright 2007 NETWORKED MARKETS We give you access to name brand, customer recognized, competitively priced Carriers! Property   Chubb   Encompass   Met Life  Fireman’s Fund  Safeco  Kemper

7. May 2007 Networked Insurance Agents Copyright 2007 What can these Carriers do for you?   Do your clients need a quality/competitively priced HO3, HO4, HO6?   Networked recommends:   Encompass   Kemper   Met Life   Do you have a “High End” home you need to place?   Networked recommends:   Chubb   Fireman’s Fund

8. May 2007 Networked Insurance Agents Copyright 2007 How About Auto? Once again, Networked has access to Name Brand customer recognized, competitively priced Carriers   Encompass   Kemper   Chubb   Fireman’s Fund*  Safeco  Met Life Minimum pref. limits 50/100/50,000 * Need supporting home

9. May 2007 Networked Insurance Agents Copyright 2007 What other tools does Networked Personal Lines have in it’s tool box that will help me be successful?   Mobile Home/Manufactured Home/Modular Home – Foremost   Stand Alone Excess –RLI   Stand Alone in Home Business – RLI   Stand Alone Motorcycles – Foremost, Safeco   Stand Alone Watercraft – Safeco, Foremost, Chubb (min. $100,000 coverage)

10. May 2007 Networked Insurance Agents Copyright 2007 So, tell me more… …I like what I see!

11. May 2007 Networked Insurance Agents Copyright 2007 Chubb   Specializing in HV Property $500,000+. (Depending upon state and location, may go down as low as $300,000).With primary home will also consider Auto, Dwelling Fire, Watercraft & Excess   Expert home appraisals and loss control evaluation upon issuing of the Homeowners policies.   Deductible waived in the event of a loss exceeding $50,000   Customers enjoy superior claims service with maximum control over how, when, where and by whom property is replaced or repaired.   200% Extended Replacement Cost   All risk on contents when written in the Deluxe (HO-C) program

12. May 2007 Networked Insurance Agents Copyright 2007 Encompass Insurance Co  Package Policies preferred  A Package consists of the Auto & Primary Home (Homeowners, Condo Owners or Renters)  Package policies can also include Boat, Dwelling Fire, Motorcycle, Recreational Vehicles, Motor Homes and Excess Liability  All lines of business on one policy, one bill, one deductible, one installment fee.  Offers three levels of coverage: Special, Deluxe & Elite.  Aggregate Property Limits.  Will entertain family risks including youthful operators. **Lower commission paid on the vehicle the youthful is assigned to.  Credit for existing insurance.  Package discount is 12% off the home and 15% off the auto

13. May 2007 Networked Insurance Agents Copyright 2007 Encompass Sales Tips  Credit for existing insurance – Write the home or auto with current effective date and the remaining line with a future effective date (must be submitted at the same time).  Underwriting is once and done: The package is underwritten at the time it is submitted and not again when the second policy is effective.  Gaps are covered: If the client has a claim that exceeds their primary policy prior to the Encompass policy taking effect, Encompass will cover the difference. (If a covered peril)  Locked in rates: If the rates change before the second policy is effective the insured will continue to get the rate that was quoted.  Package discount is applied.

14. May 2007 Networked Insurance Agents Copyright 2007 Fireman’s Fund   Specializing in HV Property $500,000+, Auto, Dwelling Fire, Watercraft & Excess   No Maximum Coverage A   200% Extended Replacement Cost   Need to Write Home to Write Auto   Send in Fireman’s Fund Location Approval Worksheet   Send an ACORD Application for Auto Quote   Subject to credit scoring on Home and Auto

15. May 2007 Networked Insurance Agents Copyright 2007Kemper Currently writing Auto, Home, Dwelling Fire, Umbrella and Recreational Vehicles Package discount available for Auto and Home policy with Kemper   Automobile:   All accounts subject to CLUE and MVR   At least one vehicle per policy must carry comprehensive, collision, and liability coverage   Maximum of 2 minor violations for a One Car account – ineligible if there are any major violations   Maximum of Two per driver, Three per household for Two Car account   Maximum of two per driver, Four per household for Three or More cars for minor violations   Homeowners:   Built within 40 years with proof of required updates to major systems. No unique architectural risks -OR-   Homes older than 40 years, but built in 1940 or later, with updates to HVAC, plumbing, roof and electrical within 15 years, Coverage A greater than or equal to $250,000 and PC 1-6.   No more than 1 loss within the last 5 years   Minimum $250 deductible for all forms   Dwelling Fire:   New business Dwelling Fire policies for one and two family dwellings are eligible for coverage.   Coverage for new Dwelling Fire policies with pre-1920 dates of construction must be referred to Underwriting prior to binding.   Applicants with prior declinations, cancellations or non-renewals for underwriting reasons by any other carrier are not eligible. Applicants with a lapse in coverage are not eligible.   Dwellings greater than 30 years old must have detailed updated plumbing, electric, and heat source, Heating units in service longer than 20 years are eligible with inspection/documentation of regular cleaning/service/replacement of worn parts. Roofs more than 20 years or Flat roofs are not eligible.   Properties that are vacant or for sale are not eligible, and rented homes must have an annual lease contract.   Risks under renovation are not eligible.

16. May 2007 Networked Insurance Agents Copyright 2007 Met Life   Currently offering Homeowners, Auto, Umbrella, Motorcycle and Recreational Vehicle coverage   Automobiles:   Prior approval required if:   Excluding a driver   Vehicles with symbols great than 27   Classic or Antique automobiles or motorcycles   Any policy to be bound with 2 or more theft/vandalism claims in the past 3 years   Homeowners:   Coverage A minimum $150,000 in Tier 1, $100,000 in Tier 2 and $75,000 in Tier 4 (rating system will automatically calculate the correct tier)   Some territories will have a mandatory Clause 1 (Wind/Hail) Deductible of $500 and others will have $1,000 or 1%, whichever is greater (rating system will automatically advise if this is a requirement)   Wood Roofs ineligible in all territories; Composition Roofs have a 10 year age maximum; Slate Roofs have a 40 year age maximum; Clay, Fiber Cement, Ceramic Tile and Metal Shingles have a 15 year age maximum   Package discount available – rating factor is about 10% on home and auto   Dwelling Fire Coverage not available in Texas at this time

17. May 2007 Networked Insurance Agents Copyright 2007 Safeco Homeowners   Highlights   Now available on NLinkPL   Most competitive Renters Policy rates in the state   Rates are very competitive in the Houston area   Eligibility and Rules   Appointed for both Tier 1 and Tier 2 Coastal Plans   Tier 1 consists of the following counties: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy and that portion of Harris County located inside the city limits and east of Highway 146 in LaPorte, Morgan’s Point, Pasadena, Seabrook and Shore Acres.   Tier 2 consists of the following counties: Bee, Brooks, Fort Bend, Goliad, Hardin, Hidalgo, Jackson, Jim Wells, Liberty, Live Oak, Orange, Victoria and Wharton.   Due to the high probability of catastrophic loss in the event of a hurricane or tropical storm, risks located in the following areas are unacceptable as new business:   All offshore islands   Any risk located within five miles of the coastline, intercoastal waterway or inland bays   All water claims must be approved by the company prior to binding and may require proof of remediation.   Deductibles   Offering deductible options from $500 to $10,000 for All Other Perils, Windstorm or Hail deductible options from 1%-5%. NOTE: A minimum 2 % windstorm or hail deductible is required for dwellings with wood roofs located outside of coastal tier 1. Dwellings located within coastal tier 1 must have the perils of windstorm or hail excluded.

18. May 2007 Networked Insurance Agents Copyright 2007 Safeco Home (Continued) Limits, Increased Limits & Decreased Limits   Offering Liability Coverage up to $500,000 and Medical Payments Coverage up to $10,000   Minimum Contents for one and two unit dwellings is 40% and 20% for three and four unit dwellings   Will write Secondary residences as long as Safeco insures the Primary residence   Dwelling Fire product not available at this time   All Homeowners policies are required to have the Full Value on Personal Property and Extended Dwelling Coverage where available. No Course of Construction policy available   Loss Assessments Coverage limits available up to $50,000   Account Credit for having Safeco Auto – 10%   Burglar Alarm Credit – 5% for Local Alarm, 6% for Police Station Alarm and 10% Central Station Alarm   Hail Resistive Roofing Credit – Credit will apply for residential roof coverings meeting the impact resistance testing criteria for U.L. Standard 2218. A valid certificate of installation must be provided by the installer of the roof covering. All information on the certificate must be completed and signed by the individual responsible for the installation.   Newer Home Credit – Dwellings are eligible for a premium credit if they are less than 7 years old.   Wood Roofs are OK; however, a 20% surcharge will be applied to the Base Premium of a dwelling with a wood roof. In addition, homes with wood roofs require a minimum 2% windstorm or hail deductible

19. May 2007 Networked Insurance Agents Copyright 2007

20. May 2007 Networked Insurance Agents Copyright 2007 How do I bind a Personal Lines Account? VERY IMPORTANT:   Our carriers do not allow us to extend binding authority to our affiliates.   In order to expedite binding of your submission please follow these instructions carefully.   To request binding fax or email a completed submission to Networked (please note we treat all applications as bind requests). Please do not send applications for pre-approval.   Within 24 hours you will receive an acknowledgement letter

21. May 2007 Networked Insurance Agents Copyright 2007 How do I bind a Personal Lines Account Continued….   Once the underwriter reviews the account you will then receive one of the following within 24 hours.   A Confirmation of Coverage if the submission is complete and the risk qualifies. **Please note coverage is not bound until you receive a confirmation of coverage from Networked.   An Additional Information Memo if the submission is incomplete. **Please note Networked will not bind coverage until all information is received and the effective date will be determined once submission is complete   A Declination Letter if the risk is unacceptable. **Please note another carrier will be offered if one is available

22. May 2007 Networked Insurance Agents Copyright 2007 How to complete an Auto submission:   Completed Accord Auto Application   Prior Dec Page –   Copy of Agent’s Quote Supplemental Forms/Items:   Signed UM Form – May be carrier specific   Proof for a not-at-fault accident (i.e. Police Report or letter of experience)   Company Specific Supplemental   Signed Driver’s Exclusion

23. May 2007 Networked Insurance Agents Copyright 2007 How to complete a Home submission   Completed Acord Application   Replacement Cost Estimator   Agents Copy of the quote Supplemental Forms:   Older Home Questionnaire – Company Specific   Wood Stove Questionnaire – Company Specific   Photos (if applicable)

24. May 2007 Networked Insurance Agents Copyright 2007 Do you have difficulty placing rural homeowners?  High value dwellings  Protection class 9 or 10  Large 4-legged pets  Animals boarded on premises  Too many acres for personal lines Contact our Agribusiness Unit who can place these accounts with mainstream markets and broad homeowners coverage forms. agribusiness_submissions@networkedins.com or call David Lundy (530) 274-6952 or Rebecca Donahue (530) 274-6951

25. May 2007 Networked Insurance Agents Copyright 2007 Escrow Closes Networked understands the urgency of escrow closes. We have implemented the following for your convenience:   Fax in a complete submission noting on the cover page that this is an escrow close. If you have scanning capabilities you can email the submission directly to the underwriter to help expedite the procedure.   Once faxed, contact the underwriter who will be handling the account to let them know you have sent in an escrow close and give the clients name.   The underwriter will work that account first and contact you immediately to advise if an EOI can be issued or if additional information is needed. **Please note Networked does not require signatures to bind coverage for escrow closes**

26. May 2007 Networked Insurance Agents Copyright 2007   Please mail all originals and down payment to our office within 7 days of receipt of the confirmation of coverage.   Please note since Networked holds the carrier appointment our affiliates are unable to contact the carriers directly. For any questions about a risk please contact your designated underwriter. Final Step…

27. May 2007 Networked Insurance Agents Copyright 2007 THANK YOU! We appreciate your business!