ISSUE I THE NEW SMALL INSURANCE AGENCY PAGE 20 THE FUTURE IS BRIGHT ISSUE IV THE THOUSANDS OF DOLLARS YOU RE LEAVING ON THE TABLE PAGE 08

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1 PAGE 20 PAGE 20 PAGE 08 PAGE 18 PAGE 26 ISSUE I ISSUE II THE NEW SMALL INSURANCE AGENCY SALES 101 BEGINS FACE TO FACE DISASTER FEATURE PAGE 12 FIRE SAFETY PREVENTION THE FUTURE IS BRIGHT... COLD CALLS DIALING INTO YOUR POTENTIAL ISSUE III ISSUE IV ISSUE V BASHING THE COMPETITION DOES NOT GET BUSINESS THE THOUSANDS OF DOLLARS YOU RE LEAVING ON THE TABLE CLAIMS THE GOOD, THE BAD, AND THE UGLY MAKE MORE MONEY SUCCESS WITH SMART CHOICE STORM SEASON IS HERE ARE YOUR POLICYHOLDERS COVERED AND PREPARED? STRANGE CLAIMS WERE THEY COVERED? 2015 MEDIA KIT

2 WHY SMART CHOICE BONUS DISTRIBUTION Our marketing and sales teams use Smart Choice Magazine as their number one recruiting tool. In addition to the regular readers of our magazine, hundreds of agents and business owners outside the program receive our publication, giving your ad further reach within the industry. NATIONAL AWARENESS Smart Choice Magazine is mailed to agents across the United States. While some publications may charge you by region or state, you pay one fee for your advertisement to reach 42 different states and growing! LOW COST Smart Choice Magazine ad rates are half the cost of other national publications! READERSHIP Thousands of potential agents and Smart Choice company partners Smart Choice States Smart Choice has partnerships with some of the top names in the insurance industry, from smaller regional companies to nationwide insurance carriers. We are one of the nation s leading source of insurance carrier access assistance for independent insurance agents. Our readers range from California to the Carolinas, from two-to three person offices to agencies with several dozen producers. The majority of our readers are not only insurance agents, but small business owners and serve as their own: Accountants Human Resource Professionals Trainers Assistants Business Planners Technology Technicians Office Supply Providers Our readers look to Smart Choice Magazine for new products and services, business coaching, personal coaching, marketing tips, sales advice, inspiration and entrepreneurial assistance. 42 STATES NATIONWIDE 13,000 READERS 4,100 Independent Insurance Agents Selling $385 MILLION IN PREMIUM 4.9 MILLION CUSTOMERS SERVED

3 AD SPECS SMART CHOICE MAGAZINE Requirements for Digital Advertising Materials Double Page Spread File Formats: High-resolution press-ready PDF (preferred), Illustrator EPS, InDesign, or Photoshop TIFF or Jpeg. Color and grayscale images saved at a minimum resolution of 300 dpi at 100% of actual size. Vector or line art graphics set at a minimum of 600 dpi. Text in vector images (Illustrator) must be converted to paths or outlines to eliminate font problems. Save all images as EPS or TIFF only. All four-color artwork must be saved as CMYK format. Full page 1/3 square 1/2 H File Submission: Only send files to be used in your ad. Hi-resolution file with all fonts and graphics used should be included. Materials are due by the dates listed on 2012 Smart Choice Advertising Agreement. Smart Choice reserves the right to reject any materials submitted after that date, and is not responsible for associated printing errors. 1/3 V 2/3 V PDF File Construction Guidelines: Build pages to ad size and extend images 1/8 beyond trim if bleed is required. Include all fonts and linked graphics. Include fonts for all imported graphics or convert fonts to outlines. Do not embed ICC profiles within the ad or images. All colors must be set to CMYK unless spot colors are requested. Remove all unused colors. SPECIFICATIONS Trim Size Column Size, three per page Bleed Size Binding Keep live area at least.25 from trim 8.5 x x x11.25 saddle stitch All color images must be set to CMYK. RGB or LAB color is not allowed. All ads need a call to action and should reference the following: Please contact your Smart Choice state director for more information. Retention of Submitted Materials: Unless specifically requested, all materials will be held for 12 months and then discarded. MECHANICAL REQUIREMENTS Ad size Dimensions Double page spread 17 x11 Full page 8.5 x11 1/2 H 8.5 x5 1/3 V 2.25 x11 2/3 V 2.25 x11 1/3 square x5

4 2015 RATE CARD SMART CHOICE MAGAZINE Smart Choice Magazine uses four-color processing only. All ad prices include each process color fee. Prices are per ad per issue. Premiums - Back Cover (+20%) - Inside Front Cover (+15%) - Inside Back Cover (+15%) - Center Spread (+15%) DISPLAY ADVERTISING FULL COLOR 1X 3X 6X DOUBLE PAGE SPREAD $5,728 $5,150 $4,880 FULL PAGE $2,864 $2,575 $2,440 1/2 HORIZONTAL $2,068 $1,859 $1,761 1/3 VERTICAL $1,482 $1,332 $1,262 2/3 VERTICAL $1,776 $1,776 $1,776 1/3 SQUARE $1,482 $1,332 $1,262 Deadlines Extensions granted for ad submissions are not subject to cancellation by the advertiser after the agreed upon date. All financial agreements must be honored by the closing date. ADVERTISING TERMS AND CONDITIONS The placement of advertising in Smart Choice Magazine at the request of an advertiser oradvertisingagency,ifany,constitutesanagreementbetweensmartchoice Magazine and the advertiser/advertising agency. Advertisers/advertising agencies agree to be bound by the published Smart Choice Magazine advertising rate schedule in effect at the time the advertisement is placed. All costs, including but not limited to reasonable attorneys fees and collection agency fees arising out of a breach of this agreement by the advertiser/advertising agency for non-payment of fees due or any other reason, shall be the responsibility of the advertiser/advertisingagency.smartchoice Magazine,advertiser/advertisingagency agree that this contract shall be subject to the laws and jurisdiction of the state of North Carolina. Publisher reserves right to refuse any advertising and shall be under no liability for failure for any cause to insert an advertisement. Smart Choice assumes all advertisements that it has accepted have been properly authorizedbytheadvertiserand/oragencyforpublicationoftheadvertisement sentire contents and subject matter thereof. In consideration of the publisher s acceptance of adsforpublication,theadvertiserand/oragency,jointlyandseverally,indemnifyandhold the publisher harmless from and against all claims, liabilities, lawsuits, actions, losses, damages, or expenses of any nature (including reasonable attorneys fees and the costs of defense) arising out of any acts or omissions in connection with the advertisement(s) published, including without limitation, actions, claims, or lawsuits for libel, violation of right of privacy, plagiarism and copyright infringement. Noconditions,printedorotherwise,appearingonthespaceorder,billinginstructionsor copyinstructionsthatconflictwiththepublisher sstatedpoliciesorbusinesspublications contract and copy regulations will be binding on the publisher. CLASSIFIED ADVERTISING FREQUENCY 1X 3X 6X PER COLUMN INCH $75.00 $42.00 $ COLUMN INCH $75.00 $42.00 $36.00 Total per contract $ $ COLUMN INCHES $ $63.00 $54.00 Total per contract $ $ COLUMN INCHES $ $84.00 $72.00 Total per contract $ $ COLUMN INCHES $ $ $ Total per contract $ $ COLUMN INCHES $ $ $ Total per contract $ $ COLUMN INCHES $ $ $ Total per contract $ $ COLUMN INCHES $ $ $ Total per contract $ $ COLUMN INCHES $ $ $ Total per contract $ $ COLUMN INCHES $ $ $ Total per contract $ $ WANT TO ADD COLOR? ADD 10% Send Advertising Materials to*: hmidgett@smartchoiceagents.com ext *if files are larger than 10MB please use WeTransfer.com to submit your artwork. Send or Fax Advertising Agreements to: Smart Choice Publications Atn: Jef Morgan 1589 Skeet Club Rd. #102-PMB349 High Point, NC fax jmorgan@smartchoiceagents.com

5 2015 EDITORIAL CALENDAR SMART CHOICE MAGAZINE ISSUE I Materials Due: 01/09/15 Publish Date: 02/06/15 Business Planning ISSUE II Materials Due: 03/13/15 Publish Date: 04/03/15 Commercial Lines ISSUE III Materials Due: 05/05/15 Publish Date: 06/05/15 Insurance Gaps ISSUE IV Materials Due: 07/17/15 Publish Date: 08/07/15 Annual Meeting Wrap-up ISSUE V Materials Due: 09/11/15 Publish Date: 10/02/15 Marketing ISSUE VI Materials Due: 11/13/15 Publish Date: 12/04/15 Year End Review / Benchmarks RECURRING FEATURES Strange Claims Top States Regional Focus

6 ONLINE ADVERTISING LEADERBOARD 728x90 pixels BOX A 180x150 pixels BOX B 180x150 pixels BOX C 180x150 pixels Smart Choice Magazine is excited to offer our partners a unique advertising opportunity. Broadcast your message to producing agents in the Smart Choice Agents Program when they receive their commission statements. Your ad will be linked to the URL of your choice and creative can be changed once a month. PRICING LEADERBOARD BOX A BOX B BOX C $1,000/net $500/net $475/net $450/net Pricing is per month. Space is offered on a first come first served basis. Each position comes with right of first refusal as part of an annual print program. For availability please contact: JEF MORGAN jmorgan@smartchoiceagents.com