COMPENSATION POLICY

Your agent/broker provides services in the preparation, processing, presentation and administration of our premium finance agreements. Such services include, but are not limited to submitting the premium finance contract for quotation, remitting executed agreements to us, collecting down payments, monitoring the impact of notices we issue and acting as an intermediary between you and us. We may compensate your agent/broker for the time and expense incurred to perform these services. We may also purchase or otherwise acquire premium finance agreements directly from your agent/broker or through an entity affiliated with your agent/broker.

Depending on what is permitted by law, compensation may take varying forms, including, but not limited to, a percentage of the premium financed, a percent of the total premium underwritten, a fixed annual amount, a fixed amount per contract, or a percentage of the finance charge.

PRIVACY POLICY

Our decision to finance your premium is based on several criteria, including our relationship with your agent/broker, the financial strength of the insurance carrier that writes the underlying policies we take as collateral, the earnings provisions on your policies, and your financial strength.

As part of the underwriting process, we collect as much information as possible about you and your transaction, some of which may be publicly available. We contract with third-party service providers who supply us with information regarding your credit and payment history and overall financial condition.

We may collect the following nonpublic personal and non-personal information about you:

Information we receive from you on premium finance agreements or other forms;

Information you share with your agent or broker;

Information about your transactions with us, our affiliates or others; and

Information we receive from a consumer-reporting agency.