Proctor Financial, Inc.

Proctor Financial Inc. (PFI) provides lender-placed hazard insurance products for borrower and bank-owned properties directly through financial institutions or indirectly through property and casualty insurance agents working with these entities.

Since the organization’s inception in 1884, PFI has maintained a solid reputation for developing innovative insurance solutions, such as pioneering the concept of lender-placed insurance (also called “force placed insurance” in some circles) in the 1970s. Working exclusively with six AM Best carriers rated “A-” or better, PFI partners with many lenders nationwide to offer competitive products and services geared toward specific business needs.

Today, PFI is a wholly-owned subsidiary of Brown & Brown, Inc., the seventh largest independent insurance intermediary in the United States. Listed on the New York Stock Exchange, Brown & Brown (BRO) is a $2.7 billion market cap company and part of the Standard & Poor’s Mid Cap 400 Index. Proctor Financial has partnered with financial institutions and property and casualty agents for more than 125 years – providing quality insurance products and technology-based administrative solutions to your clients. PFI appreciates your business and hopes you join our family if you presently don’t do business with us.

How PFI benefits insurance agents & their financial institution clients

• Competitive insurance programs and commissions
• Established exclusive relationships with multiple insurance carriers rated “A-” or better
• Experienced Sales and Customer Service staff dedicated to servicing your agency and clients
• Automated solutions for lender-placed insurance placement, notification, tracking and reporting
• Customized marketing materials including presentations and Request For Proposal (RFP) assistance
• Easy to work with – we value our partners

For more information, PFI encourages you to visit our website at www.pfic.com/programbusiness to learn more about our agent services. You also can contact PFI at 800.521.6800 or e-mail us at info@pfic.com.

Programs & Coverages

Mortgage Impairment - Errors & Omissions Insurance: Real Estate Tax Liability Insurance, Processing of Life/Disability Coverage, Title Insurance, Loss of VA, FHA, SBA, PMI Coverage

Excess Flood - Excess Insurance Over NFIP Limits: Building Insurance, Contents Insurance, Loss of Income (Including Extra Expense) Insurance

Bridge60® - Lender-Placed Flood Insurance

Outsourcing Solutions Insurance: Imaging Service Insurance, Residential Insurance Tracking Coverage, Commercial Insurance Tracking Coverage, IIM-Intelligent Insurance Manager® e-Client Portal, Management Report Insurance, Compliance Resource Insurance, Borrower Care Center Insurance, New Loan Setup Insurance, Loss Draft Processing Insurance, Quality Control Insurance, Escrow Service Insurance

MortgageGuard® - Lender-Placed Hazard Insurance

KwikRisk® - Hard-to-Place and Special-Needs Insurance: Vacant Residential and Commercial Building Insurance, Building Undergoing Repairs Insurance, Strip Mall Insurance, Warehouse Insurance, New Construction Insurance, 1 to 4 Family Dwelling Insurance, Commercial General Liability Insurance, Mercantile Insurance, Habitation and Contractor Insurance, Vacant Building Insurance, Vacant Land (up to 500 Acres) Insurance, Comprehensive Personal Liability Insurance

REO Guard® - Real Estate Owned Hazard Insurance

Portfolio Guard® - Blanket Hazard Insurance: First Mortgage Insurance, Second Mortgage Insurance, Home Equity Line of Credit (HELOC) Insurance, Individual Condominium Loan Insurance

EquiShield® - Blanket Home Equity & Second Mortgage Hazard Insurance: Second, Third, or Non-Purchase First Mortgage Insurance, Second Deed of Trust Insurance, Closed or Open-Ended Home Equity Loan or Consumer Lending Mortgage or Refinance Insurance