Your Practice Your Future Your Way

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1 Your Practice Your Future Your Way Hornor, Townsend & Kent, Inc. Your partner for sound financial solutions

2 Your Practice. Your Future. Your Way. Develop a practice that focuses on increasing productivity, client relationships, and ultimately, greater success. For nearly 45 years, Hornor, Townsend & Kent has been helping financial advisors and their clients establish and achieve their financial goals. You ll find all the products, services and tools you need to succeed through HTK. We draw on a vast array of resources to deliver: A full portfolio of products and services Professional and business development programs Leading technology Marketing tools Operational excellence Transition support Compliance support Make the move to HTK and benefit from all the resources and support you need to evolve your business and enhance your opportunities.

3 Enjoy Your Practice, Your Way with HTK We welcome your interest in Hornor, Townsend & Kent, Inc. (HTK) and hope you ll consider making the move to our producer-centric organization. Part of our commitment to operational excellence includes making it as easy as possible for you to assimilate to our firm. Our transition specialists are trained to make this process as smooth as possible with step-by-step guidance to help you: Address any questions or concerns you may have throughout the process Transfer your securities licenses to HTK Get re-appointed with the companies with which you re currently doing business* Leverage technology to help you move the business more effectively Become familiar as soon as possible with key HTK associates dedicated to supporting you * While HTK has a robust line-up of business agreements, we may not have agreements with every carrier/provider with whom you currently do business. Our product review committee meets quarterly to review requests for new agreements. Generally, a producer must have significant numbers of clients with a product sponsor for us to consider a new request.

4 Connect with HTK to Build, Manage and Grow Your Practice The traditional role of a life-based financial advisor has gradually evolved into today s holistic client advisor with access to an expanding array of products, services, strategies and solutions. As an integral part of Penn Mutual s Producer Value Commitment, HTK applies every resource to help you find opportunities to tie together life insurance, investing, advisory services and more. In addition, you receive topnotch marketing support including training programs, sales ideas, and newsletters that empower you to approach new markets and communicate with your clients more effectively. HTK connects producers with recognized industry experts and creates events especially designed to help you cultivate the investment side of your practice. As an HTK representative, you ll immediately benefit from the personal care and attention so often lacking in larger broker dealers. Our smaller size allows us to become more familiar with you and your practice so you re never just another number, but rather a valued client with direct access to our friendly and responsive staff.

5 Operational Excellence Strong Relationships with Industry Experts Hornor, Townsend and Kent, Inc. is committed to supporting your practice by delivering competitive products, as well as connecting you with top industry experts who can help grow your practice and strengthen client relationships. Because we believe a key to the success of any broker/dealer is the quality of its clearinghouse, we ve selected Pershing LLC, a BNY Mellon Company. Pershing offers an extensive array of securities trading, clearing, information management, products and services to help successfully position its customers in the marketplace. And, the Pershing facilities and technology are state-of-the-art, providing an efficient and protected operating environment. With its worldwide presence and framework of highly experienced professionals, Pershing has earned the reputation as an industry leader and supports more than 1,500 financial organizations internationally. We believe the value HTK representatives bring to their clients is strengthened by our relationship with Pershing.

6 Leading Technology and Tools HTK offers a state-of-the-art technology platform designed to help you grow and manage your business. Our tools are designed to integrate with our customer relationship management system for streamlined efficiency. HTK s NetX360 package provides you with easy access to client account information, order placement and quotes. You can tap into news and research, and access a variety of content from industry leaders. Depending on your needs, NetX360 offers a mobile app and a variety of upgrades. For consolidated account reporting, we rely on the WealthView application, powered by Albridge Solutions. WealthView has the ability to consolidate a client s insurance, annuity, investment and retirement plan data from over 2,000 financial institutions. You can quickly get online access to client portfolio information and produce and distribute a variety of reports. HTK has strategically selected Ebix SmartOffice as our client relationship management system. SmartOffice is much more than a way to manage your contacts; it gives you the information you need to address client or prospect needs quickly and easily. The system also helps you identify and organize marketing opportunities and track key client information for follow-up. You can flow your client information from WealthView seamlessly into SmartOffice schedules and alerts. Since both systems are web-based, client information is updated automatically and accessible anywhere. Other integrated tools available: Morningstar Advisor Workstation for detailed investment analysis Planning software support to help you target specific planning needs MarketingLibrary.net with pre-written, approved content for marketing purposes Website development through several approved vendors Laser App Software, the industry standard for form-filling software PaperClip and Docupace paperless solutions for improved document management and storage

7 A Full Portfolio of Products and Services Among our wide range of product offerings you re sure to find solutions to your clients goals, objectives, and risk tolerance, including insurance and investment products, brokerage accounts, variable life insurance and annuities, as well as fee-based advisory programs and alternative products. In addition, you can join forces with highly regarded third-party money managers that provide outstanding portfolio management to your clients while freeing up your time to focus on prospecting and cultivating relationships. You ll gain access to institutional-caliber research and expertise that s not only a value-add for clients, but can open new doors for your business. The information you need when you need it Sales Support Team our sales desk is staffed with highly trained associates dedicated to answering your questions, addressing your needs, and supporting your sales efforts relating to the many different products and services offered by HTK Field Service our dedicated team works with you to effectively respond to questions, concerns, and inquiries raised by clients about their investments, account status, pending and completed transactions, and more Featuring value-added, innovative programs from Penn Mutual that give you an edge: The Professional Advisors Alliance (PAA) Program a unique opportunity to form alliances with CPAs who want to grow their practices by offering financial services to their clients Small Business Program focuses on the distinct behaviors and attitudes of small business owners, key planning areas, and helpful insights of producers who successfully work this market myworth For Women Program offers educational resources and tools that encourage women to take charge of their financial futures and assess their value to home and family

8 Comprehensive Compliance Services HTK views Compliance as a competitive advantage. Our trained compliance associates are constantly reviewing and interpreting state and federal regulations, not only to ensure adherence to accepted market conduct standards, but also to protect you from inadvertent and potentially costly errors. We strive to be your on-call experts, so while we re busy monitoring and keeping abreast of the industry s constantly changing rules, you re better able to focus on servicing your clients. At HTK, our pro-active approach to compliance and our communication with field leaders and producers helps create better awareness and more importantly, prevent prospective problems from occurring.

9 Shaping Solutions Producers Advisory Council HTK is committed to staying in constant touch with our producers. The Producers Advisory Council (PAC) consists of successful, engaged producers who volunteer to work closely with the home office to ensure that the products, programs and services supported by the Producer Value Commitment are meeting your needs. The PAC assures your voice is continually being heard, and you ll benefit from open communication that can resolve issues and concerns more quickly. In addition, the PAC plays a key role in shaping what is ultimately delivered to producers and their clients. Recognition & Rewards HTK recognizes its top producers through the Summit, Peak and Alpine Programs, which reward outstanding producers with special benefits to help them grow their practices. Our recognition programs promote accomplishments and offer an exceptional opportunity for top level representatives to further develop their client relationships and increase their sales opportunities. The Summit Program is reserved for the top 10 producers annually. Summit Club producers receive additional privileges, on top of those associated with the Peak Program, including generous reimbursement of business expenses and a home office concierge service. SUMMIT PEAK The Peak Program supports top producers in three distinct areas, all designed to help grow their business: Recognition for outstanding achievements Valuable support to build their practices Networking opportunities with peers The Alpine Program is designed to assist highly productive producers in reaching the next level. The goal is for them to ultimately achieve membership in the Summit or Peak Programs within three years, using the tools and support this program provides. ALPINE

10 About The Penn Mutual Life Insurance Company Hornor, Townsend & Kent, Inc. is a wholly owned subsidiary of The Penn Mutual Life Insurance Company. Established in 1847, Penn Mutual is an original pioneer of mutual life insurance in America. The Company s success has been largely driven by its unwavering commitment to being a mutual company dedicated to serving its policyholders and making decisions in their best interests, as well as the financial professionals who serve them. Penn Mutual s reliable financial strength and security are largely based in an historically conservative, prudent approach to managing investments that helps mitigate the risk of market volatility. Penn Mutual s goal is to help financial professionals meet the unique and changing needs of their clients with a wide spectrum of life insurance solutions complimented by annuity and investment solutions. Working with Penn Mutual gives you all the advantages of working with a large mutual life insurance company but with the freedom to grow your business the way you desire.

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12 About HTK Hornor, Townsend & Kent, Inc. (HTK) is a full service broker-dealer offering a complete range of financial solutions, including investments, insurance, and annuities, to help meet the unique needs and goals of individuals, families and businesses through all of life s stages. At HTK, we believe there is no single factor more important than the value of strong personal relationships. We are committed to putting our clients on the right financial path, helping to manage risk, ensure financial protection and grow their wealth. For Broker/Dealer use only. Not approved for distribution to the public. Securities and investment advisory services offered through Hornor, Townsend & Kent, Inc. (HTK), Registered Investment Advisor, Member FINRA/SIPC, 600 Dresher Road, Suite C1C, Horsham, PA HTK is a wholly-owned subsidiary of the Penn Mutual Life Insurance Company. T3049-HTK 03/15 A3YK E3

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