• The Winning Strategy
• Field Support
• The Challenge to Excel
• Top-Rated Carriers
• Life, Disability and Long Term Care
• Growth Through Integrity
• Equities
• Our Mission
• Annuities
• Our Plan
• Substandard & Exceptional Risk
• Our Leadership

There are three key components in our strategy for success - the producer, the carrier and the customer. At 3 Mark Financial, we're dedicated to successfully bringing these three groups together to help create substantial and lasting value for all.

• For producers, 3 Mark Financial supplies outstanding products, state-of-the-art Internet based information systems and unsurpassed underwriting expertise as well as sophisticated marketing, training and recruiting programs to effectively perform and grow in today's dynamic marketplace.
• For carriers, we are an ideal company with which to do business. Our base of producers, aggressive growth plan, proprietary agency management system, professionally staffed contracting, licensing and commission accounting departments, as well as technical support allow us to lower carrier costs by relieving administrative burdens.
• For customers, 3 Mark Financial offers multiple carriers with superior financial ratings* and extensive products as well as experienced industry professionals who specialize in tailoring products and services to best suit their needs.

Our winning combination of knowledge, skills and ability enhances all three critical components of our business so we can grow together and outperform the industry.

• With the marketplace becoming increasingly competitive, all financial services companies are in direct competition with one another, resulting in a challenge to be the leanest, most productive, most flexible and most innovative. To stay ahead, 3 Mark Financial constantly reviews the relationships between our business strategy, structure and systems to ensure that we are meeting the current and future needs of our business partners.
• The primary force of change is the continual advancement in technology. Simply put, technology makes it possible for the most ambitious, talented and resourceful companies to succeed and prosper. Recognizing this potential, 3 Mark has harnessed the power of technology to create value. For example, our extensive and organized Web site, www.3mark.com, offers many powerful online tools that can help supercharge a producer's productivity: a term life insurance quote service, a "fast quote" service for substandard business, lead generation and pre-approved direct-mail brochures to download, personalize and mail.
• 3 Mark Financial also recognizes the power in people. As part of our team, 3 Mark members have the opportunity to work with some of the nation's leading financial service professionals and profit from their technical, sales, managerial, investment and legal expertise. In addition, our field directors and affiliates provide personalized sales assistance that is second to none.

We're proud to be a company that does more than simply aggregate production. Here are some of the superior products and support services a producer can expect from 3 Mark Financial:

• Unique relationships with numerous life insurance carriers
• Assistance with product information, sales recommendations, case design and underwriting
• Training on new marketing concepts and related software
• Increased problem-solving capability as home-office liaison
• Advanced sales support for products such as 419 Welfare Benefit Plans, ESOPs, BOLI, COLI, Family-Limited Partnerships, Charitable Trusts and Estate Planning

• Multiple broker/dealers from which to choose
• Licensing assistance
• Extensive product portfolio: variable life insurance, variable annuities, mutual funds, limited partnerships and more
• Case consultation and product expertise
• Research and technical reports
• Investment advisory services
• Seminar selling programs
• Sponsored marketing programs

• Indexed annuities
• Multi-year interest rate guarantees
• Multiple bonus rates
• Multiple surrender period choices
• Competitive immediate annuities

• Experienced on-staff underwriter
• Expertise in large case preparation and presentation
• Extensive knowledge in impaired risk case approval
• Credibility and long-term relationships with carriers and reinsurers
• Short-stop multiple submissions of exceptional cases
• Online quote system via the Internet

3 Mark Financial's regional field directors and affiliates provide personalized assistance to help improve a producer's business with unmatched sales support and case consultation. After working with 3 Mark Financial, producers will be convinced that we are totally dedicated to enhancing their success.

In today's competitive environment, financial strength, claims-paying ability, ratings and carrier solvency cannot be underestimated.

3 Mark Financial only contracts with carriers that are among the strongest based on ratings by independent rating agencies*. In addition, we have an arsenal of marketing concepts and diversified products for today's dynamic marketplace.

3 Mark Financial brings the tools and resources needed to build one of the nation's finest networks of individual insurance and financial service professionals. Through a balanced program of sales development and growth through affiliates and acquisitions, we believe 3 Mark Financial is uniquely positioned for success. By attracting those professionals who are dedicated to serving their customers in the same quality manner that we serve ours, we set the standard by which independent insurance and financial services marketing organizations are judged.

We're excited about the future, and truly believe that change is inevitable but growth is optional.

To learn more about 3 Mark Financial, please call 888-533-6275.

Build a national, operations-centered marketing organization dedicated to delivering quality insurance and financial services to the marketplace while creating substantial and lasting value for everyone involved.

Execute a balanced strategy comprised of:
• External growth through an aggressive affiliation acquisition program that consolidates insurance and financial services marketing companies in target cities throughout the United States.
• Internal development by providing our business partners with financial resources, state-of-the-art information systems and sophisticated marketing, training and recruitment programs to gain a competitive edge.

Mr. Jerrell G. Clay, CLU

serves as CEO and as Chairman of the Board of Directors and is a cofounder of the Company. Mr. Clay is extremely knowledgeable in the affairs affecting the Company. His ability to focus on critical value-added developmental issues within limited time frames has been proven over his career and since the inception of 3 Mark. Since 1985, Mr. Clay has served as President of Protective Financial Services, Inc., one of the founding companies of 3 Mark. From 1962-1985, Mr. Clay held various positions within the insurance industry, including general agent, branch manager, vice president and branch agency director with a major life insurance company. Mr. Clay currently serves as a member of the Protective IMO Advisory Board; is a director of Avinci, Inc., a publicly traded company; and is the past President of the Houston Chapter of the Society of Financial Service Professionals. Mr. Clay is a Chartered Life Underwriter and a Registered Securities Principal.

Mr. Bill Propper

serves as 3 Mark's President and is a member of 3 Mark’s Board of Directors. Mr. Propper began his career in the insurance industry as a producer in 1985. In 1987, he joined Protective Financial Services, an original founding organization of 3 Mark Financial. In his years with the organization, Mr. Propper has served as a General Agent, Unit Manager, Regional Manager, Regional Vice-President, Chief Sales Officer, and ultimately his current position of President. As the primary contact for 3 Mark's carrier partners, he is responsible for coordinating all sales and marketing efforts throughout the organization. Mr. Propper also serves as the OSJ for one of 3 Mark's Broker Dealers, ProEquities. He is a Registered Principle, a Registered Investment Advisor, and serves on the Management Advisory Council of Protective Life, Industrial Alliance Pacific, and ProEquities.

Mr. Mark Williams

serves as Vice President of Sales. Mr. Williams began his career in 1985 with Protective Financial Services, Inc. (PFS) where he became the first Vice-President of Marketing. As PFS grew to a statewide, then national concern, 3 Mark Financial, Inc. was born. He served 3 Mark Financial as a Field Director, Regional Director, Vice President of Marketing, and now Vice-President of Sales. Mr. Williams' responsibilities include the attraction and development of new distribution, as well as the development of existing distribution. Mr. Williams prides himself on relationship building and communication. His hobbies are photography, painting, golf, and travel.

Mr. David Royse

serves as Vice President of Underwriting for the Exceptional Risk and Application Processing Divisions. Mr. Royse joins 3 Mark with over 8 years New Business and Large Case Underwriting Experience. Prior to joining 3 Mark, he worked as a Large Case and exceptional Risk Underwriter with Protective Life and AIG/American General. In addition to being well respected throughout the industry as a creative Underwriter, he has served in a variety of roles as a consultant and manager of New Business Operations. In these roles, he was able to effectively assist in the introduction of many new processes aimed at improving customer service and reducing costs. These include: front-end imaging, automated work-flow distribution and the development of a Tele-Underwriting Unit. Mr. Royse holds a Bachelor of Business Administration from University of Houston and is actively involved in many Underwriting organizations.

Mr. Glen Clay

serves as Vice President and Chief Information Officer. Mr. Clay joined Protective Financial Services, Inc. (PFS) in 1985, now 3 Mark Financial, Inc. He has over 23 years of management and marketing administration experience, specializing in information technology. He is responsible for directing the evolution of 3 Mark's client/server and networking implementations, software and web application development, and the overall architecture of 3 Mark's technology infrastructure. He is responsible for aligning information technologies and the 3 Mark business goals by planning, directing and managing a wide variety of strategic technology initiatives. Some of these initiatives have included 3 Mark's proprietary client/server web enabled agency management system and proprietary Internet term life insurance quoting engine. Mr. Clay has dedicated his career to the advancement of technological services in the insurance industry.

Ms. Sandra J. Robertson

serves as Vice President of Equities. Ms. Robertson has a BS degree in Business Administration from Jacksonville University, Jacksonville, FL. Has six (6) years of experience in the design, IRS submission, and administration of private pension and profit-sharing plans. She spent eleven (11) years as an escrow officer with an independent title company in Fort Walton Beach, Florida. Ms. Robertson joined Protective Financial Services, Inc. in August, 1989 and has served in various capacities from contracting to bookkeeping and commission accounting. She currently oversees the functions of 3 Mark Financial’s various Broker Dealer affiliations and is a Registered Principal for ProEquities, Inc.

Mrs. Betsy Riley

serves as 3 Mark’s Chief Financial Officer and is a member of 3 Mark’s Board of Directors. Mrs. Riley also serves as the Financial and Operations Principal in 3 Mark’s broker dealer, 3 Mark Equities, Inc. Mrs. Riley is a CPA with over 18 years combined experience in public accounting and industry. She is also a Registered Principal, holding her Series 7, 24, 63 and 28 licenses. Past positions have been: Senior Manager at Arthur Andersen LLP specializing in various industry consolidation transactions (including public offerings), and Senior Manager at KPMG LLP specializing in banking and financial services clients. Current duties include, monthly financial reporting, trustee function for the 3 Mark 401(k) program, treasury management, shareholder relations, compliance management for 3 Mark’s broker dealer and coordination and supervision of financial statement audits.

Mr. Damon La Tanzi

serves as Vice President of Marketing, where he is responsible for developing and implementing the company’s marketing efforts. Additionally, he also oversees 3 Mark’s Premium Finance Division. His past responsibilities have included overseeing 3 Mark’s Annuity Division, acting as a Designated Principal for ProEquities, as well as marketing other insurance products and services. Mr. La Tanzi has 12 years of marketing and management experience in the insurance and financial services industries, the last 4 of which have been spent with 3 Mark. He holds Series 7, 24, 63, 65 and life/health licenses. Mr. La Tanzi graduated from Yale University with B.A.’s in Economics and Philosophy.