THE RETAIL PROGRAM - START UP AGENCY 36-month new agent financial support program that rewards high levels of performance

WHAT IT MEANS TO BE AN EXCLUSIVE AGENT

Farmers support and products, acquisition opportunities, bonuses and incentives, and more

AGENT APPOINTMENT AGREEMENT

Business that is not acceptable to Farmers or eligible for placement through Kraft Lake can be placed outside NUMEROUS INCENTIVES AND BONUS OPPORTUNITIES INCLUDING* Growth bonuses for Personal Lines, Commercial, and Life Achievement Clubs, including Topper Club and Presidents Council Trips to the Farmers Insurance Open Other bonuses and incentives for performance as a Farmers agent OPPORTUNITY TO PARTICIPATE IN OUR PROTÉGÉ AGENCY PRODUCER PROGRAM* Agents may receive up to $25,000 for any Protégé Agency Producer who produces $100,000 in applicable NB premium within 12 months and becomes a Farmers agent SERVICE AND COMMISSION RIGHTS** Opportunity to sell service and commission rights on the open market Ability to purchase service and commission rights of another Farmers agent CONTRACT VALUE OPPORTUNITY** Farmers support and products, acquisition opportunities, bonuses and incentives, and more

*Incentives and bonus opportunities subject to change at any time and may not be available to all agents **Refer to agent appointment agreement for more information

FIVE RETAIL BONUS OPPORTUNITIES

• $10,000 Agency Start-Up Bonus for establishment of branded office location
• $300 Monthly Marketing Bonus for up to 36 months
• Bonus on net NB commissions earned while on Reserve agent program*
• Monthly Bonus Program based on net NB commissions for up to 36 months
• Annual Bonus Program based on net NB commissions for up to 3 years

*This one-time bonus also applies to the Associate agent program

OTHER KEY PROGRAM BENEFITS

• Retail bonuses are all non-repayable and in addition to commissions
• Bonuses are paid monthly per the established schedules and guidelines
• Production requirements reset each quarter and year
• Additional bonus opportunities following completion of the Retail Program
• New agent training program from the University of Farmers®