The Independent Advantage® Loan Program is pleased to announce a special subscription offer to Independent Insurance Agencies. Our program is an online, consumer loan program that will have your agency in the consumer and commercial loan business almost immediately! This program is available today and is currently serving agencies throughout the U.S.A.; adding profit to their bottom lines and helping them retain and expand their customer base!

Your agency can provide customers with quality products, competitive rates and fast loan decisions.
Products include: automobile, boat, RV, personal installment and home improvement loans.

Adding to this already great news is just how easy it is to become an Independent Advantage Program Subscriber. Here is all you need to do:

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1. Return the signed Gold Program Subscription Agreement.
2. Return the W-9 Form which allows Independent Financial Services, Inc. to pay you an ASP fee.
3. Include a copy of your agency Resident License or Individual Producers License (specific to all the states in which your agency does business).
4. Complete the Online Consumer Loan Training tutorial.

The online program is very simple and it works today! Here's how....

Following the steps above will license your agency to use The Independent Advantage® browser based loan application software and services. Utilizing the IFS technology, you submit consumer loan requests to our banking partners via the Internet. Your agency's loan decisions are posted at the Online Loan Center (your management system) after underwriting decisioning (typically within one hour). When a loan is approved, IFS will process the documents for a small transaction fee and deliver them to your office via overnight service.

Fees and Income Opportunity...

Fees are paid monthly based on your closed loan production and provides a great source of non-insurance income. Now you can profit from non-revenue-producing tasks such as policy changes, and administration of such. These daily tasks provide a tremendous in-house lead source for making new and re-finance loans.

Partnerships...

The Independent Advantage® consumer and commercial loan products are provided through a network of both regional and national bank partnerships. Through this established network, The Independent Advantage on-line loan program is able to offer to both you and your clients some of the most competitive consumer and commercial loan products available.

IFS also has relationships with several major financial institutions to provide competitive non-prime loan products. Commercial loans and equipment leasing programs are also available to your commercial customers. In fact, we can offer your agency financing packages for computer system upgrades on software, hardware and office equipment purchases.

The Payoff...

Let's review this minimum risk and maximum return proposition:

You can turn your independent insurance agency into a one-stop shopping center for asset protection and financial management. Through proper utilization of this program, you can expect:

• Increased customer retention and residual income by providing access to loan products
• Increased agency income from the ASP fees you earn through this program
• Increased profits without adding overhead expenses to manage the program
• Increased customer base by providing loan access to insurance sales prospects
• Increased insurance sales by saving customers money through competitive loan products
• Improved employee retention, at minimal cost, through incentive payments for CSR's

IFS is proud to provide it's members with our user friendly, loan system. You can now level the competitive playing field in today's market of cross selling and homogenization of financial services, which has been infiltrated by financial service consultants across the board of business professionals. We know your agency's potential of becoming the best in town!

The Independent Advantage® Loan Program is a great way of assuring your agency's success for many years to come, while providing advantages in a rapidly changing industry. We look forward to you becoming a Subscriber, and a friend! Should you have any questions, please call us toll-free at 1-888-437-8721.

Best Regards,

Matthew L. Herriott

Vice President