DEALER REVENUE PROGRAM

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1 DEALER REVENUE PROGRAM

2 DRIVING REVENUE TO YOUR DEALERSHIP Boat Dealers of America, Norman-Spencer Marine Insurance Services is a national leader of recreational marine insurance. Let us put a customer referral program in place for you to earn new revenue, and offer you access to our business insurance markets to save your already hard earned profits. As the only insurance agency endorsed by the Marine Retailers Association of the Americas since 1988, Norman-Spencer will provide you and your customers access to the nation s highest rated marine insurance programs and carriers. DRIVE REVENUE to your dealership through referrals. 3 Ways to Earn:» Non-Licensed. Earn a fee for each referral (Pay-Per-Lead)» Licensed. Earn new AND renewal commissions» Web-generated leads from your site Fast, Easy Turn-around Detailed Tracking and Payments Nationwide Availability In addition to our referral programs, you can SAVE REVENUE through our business insurance markets. Access to All Major Markets Expert Policy Analysis and Coverage Consultation Direct to You or Through Your Existing Broker Complete Commercial Insurance Products (Inventory, Repairs, Rental Watercraft, Marina Operations, and More) Please contact your National Sales Manager to learn more about our DEALER REVENUE and BUSINESS INSURANCE programs. T. Clarke Smith President, Marine Paul Sexton Vice President, Boat & Yacht norman-spencer.com/dealerrevenueprogram

3 DEALER REVENUE PROGRAM You can benefit from implementing a few steps into your daily processes to realize profits from insurance referrals. Whether you sell, service, or both you touch your customers. They all need insurance with very limited exceptions. They trust you with advice on what could be the largest investment in their life. Build a culture of insurance services for your buyers, endorse a partner, and realize profit opportunities that are likely walking out your door. Whether you choose a more traditional pay per lead program, or you choose to get an insurance license and share year after year, Norman-Spencer has a program that works for you. Here are some program highlights:» Only MRAA Endorsed Program Since 1988» 24/7 Quotes, Binds, Service» Nationwide Availability» Flexible and Specialized Compensation» Detailed Monthly Reports and Payments» In-House Claims Management» Ask Us About the Preferred Dealer Endorsement for Your Customers 3 EASY STEPS: Complete the FastFax Form (Include P.O.) Fax or it to Us We Do the Rest Generate Web Leads Get Paid. Ask us how! Norman-Spencer s program is the only insurance service that we use. They have unmatched services for dealers, their programs are the best I ve seen, and they take care of my customers And, at the end of the day, this program provides me with a revenue stream that I have never earned in the past. Martin Boyer, Austin Boats and Motors Any product or service that helps increase profits without any additional cost is always welcomed. What dealership couldn t use more customers and earn additional revenue in the process? John Irwin, Irwin Marine

4 HOW OUR INSURANCE REFERRAL PROGRAM WORKS ONCE YOU HAVE A COMMITMENT FROM YOUR BUYER... 1 STEP 1: Complete the FastFax form. 2 STEP 2: Fax it and the Purchase Order to OR Scan/ it to 3 STEP 3: You re done! Let your buyer know that we will contact them within 24 hours (usually the same day) to provide multiple coverage options and issue the appropriate policy. Need a different step to fit the needs of your operation? Done! Just let us know and we can tailor it to fit your needs. norman-spencer.com/dealerrevenueprogram

5 DEALER REVENUE BENEFITS HERE IS A FIVE YEAR LOOK Non-Licensed Year 1 Year 2 Year 3 Year 4 Year 5 Total Revenue Pay Per Lead Revenue $3,500 $3,500 $3,500 $3,500 $3,500 $17,500 Licensed Year 1 Year 2 Year 3 Year 4 Year 5 Total Revenue New Business Revenue $2,700 $2,700 $2,700 $2,700 $2,700 $13,500 Renewal Revenue $2,160 $3,888 $5,270 $6,376 $17,694 Total Revenue $2,700 $4,860 $6,588 $7,970 $9,076 $31,194 The above revenue schedule considers a projection of 100 sales annually; and Norman-Spencer s national averages for referral fees/commissions paid, closing rates, and insurance premiums. IMPORTANT NOTE: The revenue schedule above is an example only and is not a promise, representation, or guarantee as to the revenue a dealer may earn. The laws, fee amounts, and licensing requirements for referral programs vary state-to-state and along with business variables will affect the revenue a dealer may earn. Membership has its privileges. I just received my AquaPac referral check for $1,215. This came on the heels of the $640 check I received the month prior. after I was slow getting signed up on the program. Can t wait for next month s check! Easiest money you will make in this business! Rob Soucy, Port Harbor Marine YOUR BUYER S BENEFITS Norman-Spencer will provide your customers with the most cost effective watercraft insurance policies through the nation s leading specialty marine programs, some available ONLY through us. Our exclusive AquaPac and FishOn programs provide broad, affordable coverage that accommodates the full spectrum of boats; from personal watercraft, performance, large sail or power yachts, to professional and tournament anglers. Every policy is written to meet each customer s need.» Agreed Value Protection» Pollution Liability» Wreck Removal» Towing/Roadside Assistance» High Personal Effects Limits» Disappearing Deductible» Total Loss Replacement» Fishing Guides and Pro Anglers» Tournament Use Permitted» Rental Reimbursement» Guaranteed Repairs» Broad Navigation Discounts are available for experience, ownership history, licensed captains, safety equipment, safety groups and courses, multi policy, off season lay-up (without a coverage reduction), AND MORE

6 MRAA REWARDS BENEFITS For MRAA members, Norman-Spencer s program benefits continue. As the only endorsed insurance provider for the MRAA, we provide members only benefits including coverage enhancements, business policy analysis, profit generators, service revenues, and educational seminars. It s the only program of its kind in the recreational marine insurance industry. Boat & Yacht Insurance Benefits This flagship MRAA benefit provides market-leading protection for your buyers while driving service business back to your dealership. Coverage enhancements, provided at no additional cost to customers of MRAA dealers, include:» MRAA Preferred Repair Deductible. Reduced by HALF for repairs made at your facility.» Repairs made by your shop are guaranteed as long as the customer has an AquaPac policy.» Total Loss Replacement for boats new to 4 years old; and you get the first opportunity to provide the replacement if there is a total loss.» No depreciation on most parts up to 10 years old means reduced negotiation on estimates, and a seamless claims process.» Rental Reimbursement, Hurricane Haul Out, increased limits for Towing/Emergency Assistance, and more. Business Insurance Benefits We specifically tailor coverage to meet the needs of dealers at the lowest possible price. We save boat dealers money every day through our access to all major markets, some of which provide MRAA specific coverage enhancements, and are only available through Norman- Spencer. In fact, one MRAA member has saved more than $350,000 in insurance costs. Regardless if you decide to place your business insurance through Norman-Spencer, let us analyze your current policy provisions, coverage and pricing. We will determine if there are savings available to you, while ensuring that you have the proper protection needed in today s insurance marketplace. Not a Member? Ask us how to sign up. Visit and click JOIN NOW at the bottom of the page to get access to all of the MRAA Rewards member benefits. Additional MRAA Rewards Benefits Members of the MRAA have access to even more benefits through the Rewards Program. And it s a growing list. The number of member benefits has more than doubled in a very short period of time, and more are in the works. The MRAA Rewards Program comes with a guarantee that your investment in membership will return a far greater value than the membership dues. Along with the recreational marine insurance benefits, take a look at what else is available to members:» Certified Pre-Owned» F&I Outsourcing» Warranty Processing» Market Penetration Reports» Profit Production Package» Online Dashboards» Customer Satisfaction Tools» Marketing Solutions» Management Groups» Annual Conference» Regional Conferences» Scholarships» Government Relations» Bearings Newsletter» Health Insurance norman-spencer.com/dealerrevenueprogram

7 SAVE BUSINESS INSURANCE REVENUE BUSINESS INSURANCE PROGRAM In addition to the dealer revenue program, you can access our business insurance markets and save your already hard earned profits. Since 1982 Norman-Spencer Marine Insurance Services has provided business insurance and risk management services to marine retailers across the country. From our beginning, we have been the endorsed agent for the MRAA providing the same services to its members. LINES OF COVERAGE AVAILABLE:» Dealer Inventory» Personal Use» Loaner Programs» Owned Watercraft» Rental Boats» General Liability (Including Product Liability)» Protection & Indemnity (P&I)» Piers, Wharves & Docks» Marina Operator Legal Liability (MOLL)» Property» Inland Marine» Commercial Auto» Umbrella» Workers Compensation ELIGIBLE CLASSES:» Boat Dealers» Marinas» Rental Operations» Repair» Artisans» Manufacturers» Charter Operations» Tugs & Barges» Recreational Marine Related Distributors Since 1998, Skipper Bud s has trusted Norman-Spencer Marine with our insurance needs. Every boat dealer should take the time to discuss their insurance needs with them. Michael Pretasky, Owner

8 EAST NORMAN-SPENCER AGENCY 8075 WASHINGTON VILLAGE DRIVE DAYTON, OHIO WEST NORMAN-SPENCER AGENCY 501 WEST WEBER AVE, SUITE 300B STOCKTON, CALIFORNIA IMPORTANT NOTE: Available coverages vary from state to state, and are subject to policy terms and conditions. Product features may not be available for all risks or coverage selections. Reading the Insurance policy is an important part of knowing the coverage provided. In California: Norman-Spencer Insurance Agency License #0B64551

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