Babb, Inc. dba Babb-Florida CONDO PRO  Presented by: Craig Holland, CAM, AAI President, Babb-Florida Community Associ

1. Babb, Inc. dba Babb-Florida CONDO PRO  Presented by: Craig Holland, CAM, AAI President, Babb-Florida Community Association Insurance Specialist Fort Myers Phone: 239-333-1320

2. Babb, Inc. Insurance History We are an independent insurance agency serving our clients for over 80 years. As one of the largest insurance agencies and third party administrators in the United States, we combine years of experience with leading-edge products and technology to provide exceptional service and value to our customers. Having relationships with nearly all of the insurance companies enables our product offering to include: Property and Casualty, Workers' Compensation, Medical, Life, Disability, Wellness Programs, Risk Management services for commercial and personal insurance and Surety. Our staff of 80 professionals will assist your association in meeting their objectives through solution-focused planning, loss prevention and day-to-day support aimed at reducing costs, increasing efficiently and improving your insurance program.

3. CONDO PRO… Scope of Services • Successful management of a Community Association's insurance program involves considerably more than policy placement… fiscal responsibility, education, administration, compliance and unit owner support are all essential parts of a successful, long-term strategy. • Annual Unit Owner Meeting • Annual Budget/Forecasting Meeting • Annual Loss control, On-Site Safety Review and Loss Analysis Report • All certificates called into Babb-Florida are done by 2:00 pm daily. • Educational Seminars • Quarterly Insurance Meetings with Board of Directors • Note: All certificate requests called into Babb, Inc. are done by 2:00 pm daily.

4. CONDO PRO - What You Get… • Quarterly Coverage Reviews • Discuss any changes to the exposure faced by your association and implement changes based on feedback. • Hold A "Press Conference" With Unit Owners… • This takes the angst out of the room. Most of the questions will be personal insurance related… not association based. No single event is more important as this one from an insurance broker viewpoint. This takes the "spotlight" off the CAM and the Board. The "shadowboard critic" will be briefly contained in this environment.

5. CONDO PRO - What You Get (Continued) • You will be assigned a Community Association Account Specialist (with dedicated back up) to interface directly with all carriers and provide the following services: • Marketing, proposals, day-to-day servicing, endorsements and changes in coverage across all lines of coverage. • Electronically store all written correspondence and paperwork. Good backup to CAM E&O coverage. • Claims and coverage advocacy. All of our accounts have digital photos with digital feed. Nothing eliminates a claim adjuster's argument better than showing how the building looked prior to the loss. • Community Association Account Specialist • Margaret (Lisa) Polite • 239-333-1320

6. CONDO PRO… Claims Unit • Through Babb-Florida's Condo Pro, you will be assigned an in-house Claims Coordinator to provide support, such as: • Your association Claims Coordinator will take your first notice of loss and submit to your carriers. Our Claims Adjusters speak "adjusterese" to conclude problematic bottlenecks. • Your association Claims Coordinator will then monitor the claims process through regular contact with the Claims Adjuster to ensure prompt and accurate handling of your claim until the claim is closed. • Community Association Account Specialist • Margaret (Lisa) Polite • 239-333-1320

7. CONDO PRO… Claims Unit (Continued) • We provide consulting services with regard to: • Subrogation Recovery • Investigation Rights • Claims Denial Rights • Mediation Representation • Full video feed and roughly seventy-five (75) digital photos are taken of all communities at the time of binding. The best hybrid solution to a claim adjustment dispute is to give the adjuster verifiable proof of how a building used to look. Nothing ends the negative feedback loop better than a burned CD with video feed and digital pictures you can physically give to an adjuster.

8. Board of Directors and Unit Owner Communication • Communication is essential to understanding the marketplace, insurance plan optimization and the overall success of the program. We provide resources that address the needs of your unit owners. • Annual Unit Owner Meetings. This meeting provides the opportunity to answer all unit owners' insurance questions. We also attend all BOD budget forecasting-based meetings, insurance being a key part of any condo budget. • Quarterly Newsletters • "Insuring the Condominium" Literature • Ability to Provide Volunteer Coverage for Unit Owners

9. Community Association Marketplace Property & Windstorm • Babb Carriers • American Capital Assurance Corporation  Great American Insurance Company • American Coastal Insurance Company Ironshore Insurance Company • American Strategic Insurance company Landmark Insurance • Arch Insurance Company Lexington (AIG) • Citizens Insurance company Mount Hawley Insurance Company • C.N.A. Philadelphia Insurance Company • Century Surety Rock Hill Insurance Company • Columbia Casualty Scottsdale Insurance Company • Companion Specialty Service Insurance Company • Empire Indemnity Sunshine State Insurance CompanyUnited National Insurance Sagamore Insurance Company • First Home Insurance company Western World Insurance Company • General Star Indemnity

10. Community Association Marketplace Directors & Officers, General Liability, Umbrella, Fidelity Bond & Equipment Breakdown • Babb-Florida Carriers: • Directors & Officers • American Home Insurance Company • Great American Insurance Company • Liberty Mutual • Travelers Casualty & Surety of America • Companion • General Liability • Auto Owners Insurance • Colony Insurance • Philadelphia Insurance company • Scottsdale Insurance company • Travelers Casualty & Surety of America • Western World Insurance Company • Companion • Umbrella • American Guarantee Insurance Company • Federal Insurance company • Great American Insurance Company • Mount Vernon fire Insurance • Philadelphia Insurance Company • Babb-Florida Carriers: • Fidelity Bond/Crime • Great American Insurance company • Hartford Fire Insurance Company • Old Republic Group • Travelers Casualty & Surety of America • Companion • Equipment Breakdown • Continental Casualty Company • Hartford Insurance • Travelers Indemnity • Workers' Compensation/volunteer Coverages • AmTrust • One Beacon Insurance Company • Mold Insurance • Sunshine State Insurance

11. Exclusive Flood Insurance Program • Florida Statute 626.572 Rebating; when allowed… • (1) No insurance agency agent shall rebate any portion of a commission except as follows: • (a) The rebate shall be available to all insureds in the same actuarial class. • (b) The rebate shall be in accordance with a rebating schedule filed by the agent with the insurer issuing the policy to which the rebate applies. • (c) The rebating schedule shall be uniformly applied in that all insureds who purchase the same policy through the agent or the same amount of insurance receive the same percentage rebate. • (d) Rebates shall not be given to an insured with respect to a policy purchased from an insurer that prohibits its agents from rebating commissions. • (e) The rebate schedule is prominently displayed in public view in the agent's place of doing business and a copy is available to insureds on request at no charge. • (f) The age, sex, place of residence, race, nationality, ethnic origin, marital status or occupation of the insured or location of the risk is not utilized in determining the percentage of the rebate or whether a rebate is available. • (2) The insurance agency agent shall maintain a copy of all rebate schedules of the most recent 5 years and their effective dates. • (3) No rebate shall be withheld or limited in amount based on factors which are unfairly discriminatory. • (4) No rebate shall be given which is not reflected on the rebate schedule. • (5) No rebate shall be refused or granted based upon the purchase or failure of the insured or applicant to purchase collateral business. • History.--ss. 52, 207, ch. 90-363, s. 4, ch. 91-429; s. 233, ch. 97-102; s. 19, ch. 2005-257. • 12% Rebate on National Flood Insurance Program Premiums. * • * Does not include taxes and fees. • Offered though Babb-Florida

12. Thank You! Consider Babb-Florida for condo, POA, CDD and HOA'S. We currently handle ninety-four (94) associations. This is all we do! Babb, Inc. has a CAM-based platform. We will never circumvent the CAM to the Board of Directors for a sales solicitation.