a. There are no upfront costs or integration fees to refer travel insurance or damage protection products.

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1 GENERAL QUESTIONS 1. Are there any upfront costs? a. There are no upfront costs or integration fees to refer travel insurance or damage protection products. 2. Does it require a license? a. To receive referral fees on referred travel insurance policies, a property manager will be required to get their limited travel producer s license. This license requires no testing and many times can simply be acquired online by filling out a form and paying a fee. The rental guardian licensing team will assist you in this process. 3. How do I get paid when something is referred? a. Property Managers are billed at a Net Price and keep the remaining amount as the referral fee. For example, the Property Manager pays $19.50 for a $1,500 Damage Protection policy and charges the traveler $39. Hence, the referral fee is 50% (difference between $39 and $19.50). The Property Manager is billed for the Net Price amount and keeps the difference (which is the referral fee amount). 4. When can I start selling? a. Once you have signed the partnership agreements, selected the products in which you want to sell, and applied for your license, your account will be turned live. i. For Property Managers managing US based rentals, this process will take 5 to 7 days once all required information is received. ii. For Property Managers managing International or non-us based rentals, this process will take 14 to 21 days once all required information is received. 5. Does Rental Guardian offer any training on its supported programs? a. Yes, Rental Guardian offers a one-on-one training webinar with your team once a particular product has been selected. 6. How/when do I pay Rental Guardian? Do I pay for each policy, at end of month when? a. When setting up your account, we give you multiple options on how to set up your account. We prefer credit card and payment as each policy is referred, but we also understand that some states require monthly disbursement of funds towards travel insurance and damage protection products referred. In these cases, we do allow wire or check payment at the first of each month for products referred. 7. What is the typical cost to the traveler for each of the programs? a. Travel Insurance is 7% x the trip cost (this price cannot be adjusted). b. Accidental Rental Damage Protection has four suggested retail prices (but the cost can be adjusted at the discretion of the Property Manager: i. $1,500 coverage amount is $39. ii. $3,000 coverage amount is $59. iii. $5,000 coverage amount is $129. iv. $10,000 coverage amount is $ How do I know how many policies I have referred? a. Total policies referred can be monitored within the Rental Guardian Policy Manager platform. You will have access to three reports under the Reporting tab: Sales Report, Transaction Activity and Invoicing Detail.

2 9. I understand the net rate cost, but can I set the price either higher or lower should I choose to do so? a. This is a two part answer: i. In regards to Travel Insurance, the list price is a fixed 7% x Trip Cost (this is regulated by the Underwriters). The property manager does have the flexibility to define what is included within trip cost. ii. In regards to the Accidental Damage Protection, we do have Suggested Retail Prices, but the final selling price is up to the Property Manager. 10. Why is your Service Platform so valuable for Property Managers? a. The main advantages are Choice and Value. i. Our Platform puts the Property Managers in the prime position to advise their traveling guests on the best travel protection coverage for their particular travel needs. And, the programs offered by our Platform Partners have some of the very best coverage available anywhere, at highly competitive costs. ii. These advantages coupled with the Platform attributes of real time reporting via data feeds with your software providers, automated delivery of the coverage verification letters, online management of damage protection claims and a web based tool to manage all your protection products makes Rental Guardian a strong value proposition. TRAVEL INSURANCE QUESTIONS 11. My vacation rental company is considered a drive to destination. Should I still sell travel insurance? a. This is a common misconception that drive to destination travelers will not purchase travel insurance. In fact, some of our highest volume clients are along the North and South Carolina coasts. Some of the most common trip cancellation reasons include: i. Most claims (80%+) are filed because of an injury, illness or death to the leaseholder, traveling companions, family members, traveling companions family members or business partners. This is not related to being a drive to or fly to destination. ii. All Travel Insurance policies also include $25,000 in medical expense coverage and $1,000 in dental expense coverage while on your trip. iii. For coastal property managers, you should also always encourage your travelers to purchase Travel Insurance because of risk of hurricanes during hurricane season. iv. In all, there are 20+ unforeseen trip cancellation and interruption reasons that may occur. Review the Description of Coverage document from the particular Rental Guardian supported program for exact details. 12. When can I sell travel insurance? a. Travel insurance can be referred at three different times: i. At time of booking, ii. iii. On or before final payment, Up until 30 days before initial trip date. 1. Additionally, travel insurance can be referred to "last minute" bookings within the "30 day out provision" if it is at time of booking or with final payment. 13. Where do my travelers find their Policy ID numbers? a. Rental Guardian will send each traveler a Certificate Verification Letter via on behalf of the Underwriter for that particular program. This will contain the Policy ID, Claims

3 information, Policy specifics, complete Description of Coverage and the 24/7 Emergency Services information. 14. How do travelers file a claim for Travel Insurance? a. Filing a claim is very simple. Travelers will refer to their specific coverage ed to them and call the toll-free claims number listed in the . The two primary claims number for the Rental Guardian preferred providers is as follows: i. Royal Adventure Travel Protection (underwritten by Jubilee at Lloyd s) ii. Modern Voyage Travel Protection (underwritten by American Modern) Is there a minimum trip cost amount for someone to purchase travel insurance? a. The minimum trip cost where a traveler can purchase travel insurance is $200 (cost of trip/booking). For this example, the travel insurance policy would cost $ Is there any real, practical difference to the Property Manager between Rental Guardian's supported standard travel insurance programs and its surplus lines travel insurance programs? a. Our Recommended Platform Provider participant, licensed agency PAC7, tells us: "Standard" and "Surplus" has to do with how Insurance Underwriters register their programs with various state agencies. Some of the most widespread home and travel insurance programs are either Standard or Surplus. b. The Royal Adventure Travel Protection program, underwritten by Jubilee at Lloyd's, is a surplus lines insurance program. This program offers unique coverage features not available in other programs including no aggregate limits on hurricanes and extended school year coverage. The Royal Adventure Travel Protection program is a sound choice for both US and non-us residents traveling to mountain, coastal, and other vacation destinations in the United States. c. The Modern Voyage Travel Protection program, underwritten by American Modern Home Insurance Company, is a standard lines insurance program which is filed individually in each of the 50 states. Modern Voyage Travel Protection features automatic coverage for pre-paid non-refundable greens-fees and ski-lift tickets, making it a terrific fit for golf vacation packages, ski resorts and other vacation destinations for US residents traveling both in the US and abroad. d. Rental Guardian's supported program underwriters are financially strong. Jubilee at Lloyd's enjoys an A+ rating from Standard & Poor's, and American Modern receives A+ rating from A.M. Best rating agency. e. And all of our supported programs offer superior coverage, superior customer service, and are competitively priced. The added value of our software delivery platform helps you create happier customers, an enhanced reputation, and an improved bottom line. 17. How is Travel Insurance cancellations and modifications handled? a. Coverage Cancellation Guidelines i. Most Coverage has a 10 day Free Look and may be canceled within that period (check your State's guidelines for specific rules). The Booking Date (Purchase Date) plus 10 (days) is used to calculate the Cancellation Period. ii. After the Cancellation Period there are no refunds. b. Coverage Modification Guidelines i. All Modifiable Fields, Booking Number, Booking Total, Location, Start Date and End Date, may be modified at any time prior to the Effective Date (Start Date) of the coverage, after Effective Date the following rules apply:

4 ii. Booking Number: May be edited until the End Date. Facilitates the change of Booking Number. iii. Booking Total: May increase in value, but not decrease. Facilitates the increase of Coverage amount. iv. Start Date: May be edited until the Start Date. Facilitates the movement of Coverage period. v. End Date: May be edited until the End Date. Facilitates the extension of Coverage. vi. Location: May be edited until the End Date. Facilitates the movement of properties. c. After the Termination Date (End Date) Coverage cannot be modified. If additional coverage is required, new Coverage must be purchased. ACCIDENTAL DAMAGE PROTECTION QUESTIONS 18. What are the advantages of leaving a Security Deposit Required / Credit Card on file type program and going to an Accidental Rental Damage Protection program? a. The operational advantages of adopting an Accidental Rental Damage Protection program are many. Here are just a few: i. Eliminates any disputes with your travelers over who was or was not responsible for damages. Also eliminate disputes for those property managers who keep credit cards on fire. ii. Property Manager receives 50% referral fees per coverage issued managing a program you previously were paid nothing to manage. iii. You will be opening a true protection coverage product backed by an "A" rated Underwriter for accidental damages that may occur. iv. Property Managers can manage all claims from our web based Policy Manager dashboard. v. Many times, Property Managers see additional bookings when adopting an Accidental Rental Damage Protection program because travelers equate the security deposit as part of the cost, even when they get this money returned in most cases. 19. Is there more than one dollar amount / coverage option I can implement for the Accidental Rental Damage Protection program? a. Yes, you actually have four dollar amount coverage options you can select for your travelers. i. These include: $1,500, $3,000, $5,000 & $10,000 coverage amounts. ii. Typically, Property Managers will select a particular amount and make it mandatory or opt-out for their complete inventory. 20. How do I file a claim for damage? a. Filing a claim for damage is simple at Rental Guardian. Login to your Policy Manager account and simply lookup the policy and click the Claims tab then select the Open New Claim button. From here, simple follow the onscreen directions. 21. How long do I have to file a claim? a. You have a total of 60 days for the entire process. b. Specifically, you have 15 days initially after check-out to notify the Underwriter about the claim. c. You then you have an additional 45 days to take a picture of the damage and get a receipt or quote to replace or repair the damage. Once these items are uploaded to Policy Manager, the claim is then processed.

5 22. I am a marketing agent (or real estate broker) and work directly with the homeowner or property owner. How would I handle damage claims? a. Independent marketing/booking agents and real estate brokers will collect the information on the damage claim (description of damage, picture of damage and receipt or quote to replace or repair damage) from the homeowner. Once the homeowner sends this information to the booking agent or real estate broker, the booking agent or broker will then login to the Rental Guardian Policy Manager and upload the information they received. Once uploaded to the system, claims are typically processed in 15 days once all the information is received. 23. If I do file a claim, does Rental Guardian s supported Damage Protection Underwriters send an estimator to the property, or do they have predetermined amounts for compensation? a. One of the unique characteristics of Rental Guardian s supported Damage Protection programs is that they pay true Replacement Cost vs. Actual Cash Value (or depreciated value). The main pieces of information needed to file a claim are: a description of the damage, a picture or pictures of the damage and a receipt or quote. We depend on the property manager to give us an accurate account of the damage and a receipt or quote on what it takes to replace or repair this damage. The Underwriter pays out on this supplied information. 24. How long does it take for damage claims to be fully processed and money received? a. Once all information is received for a damage claim, the checks are typically processed in 10 to 15 days. 25. I am worried that guests may be more reckless if they think they have a damage waiver to pay for broken items. What is your experience with this? a. This is a popular questions for first time Damage Protection users. This has simply been found to be completely not true. Travelers are going to be inherently what they are (good or bad). In approximately 98% of the time, it is accidental damage and the policy will cover the damage. In those rare 2% cases, it is usually gross negligence and the traveler will owe damages regardless. b. Further, the ability to keep 50% of the $39 for the $1500 coverage or 50% of the $59 for the $3000 coverage vs. managing a labor intensive program without any reimbursement or referral fee is a strong case for any business owner. c. Lastly, in our discussions with property managers across the country, we have always found that once they switch from a security deposit program to a non-refundable damage protection program, they never switch back. This is the most telling sign that the Damage Protection program is a better way to operate your business. 26. How are Rental Damage Protection cancellations and modifications handled? a. Rental Damage Protection Purchase Guidelines i. Rental Damage Protection must be purchased prior to occupancy. b. Coverage Cancellation Guidelines i. Most Coverage has a 10 day Free Look and may be canceled within that period (check your State's guidelines for specific rules). The Booking Date (Purchase Date) plus 10 (days) is used to calculate the Cancellation Period. ii. After the Cancellation Period there are no refunds. c. Coverage Modification Guidelines i. All Modifiable Fields, Booking Number, Booking Total, Location, Start Date and End Date, may be modified at any time prior to the Effective Date (Start Date) of the coverage, after Effective Date the following rules apply: ii. Booking Number: May be edited until the End Date. Facilitates the change of Booking Number.

6 iii. Booking Total: May increase in value, but not decrease. Facilitates the increase of Coverage amount. iv. Start Date: May be edited until the Start Date. Facilitates the movement of Coverage period. v. End Date: May be edited until the End Date. Facilitates the extension of Coverage. vi. Location: May be edited until the End Date. Facilitates the movement of properties. d. After the Termination Date (End Date) Coverage cannot be modified. If additional coverage is required, new Coverage must be purchased.