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Overview — Russell Bond & Co., Inc. Force Placed Insurance Russell Bond & Co., Inc. offers a dedicated Force Placed Insurance and Owned Real Estate program designed for insurers, credit unions, banks, mortgage bankers, loan servicers and other lenders who hold loans secured by real property. This program provides the insurance protections lenders need when borrowers default, properties become collateral, or lenders take ownership following foreclosure. Why this program Lenders face increased exposure when loans become non-performing or when collateral remains uninsured. Russell Bond’s program lets you place coverage that isolates those higher-hazard exposures from a lender’s standard property & casualty program, provides monthly reporting on uninsured properties, and helps your client track the costs of non-performing assets. Electronic, online reporting is available to streamline administration. Coverage highlights Coverage limits available up to $5,000,000 3-year policy terms available Force flood and General Liability options available All-risk perils available; flood and earthquake can be added where permitted* Available for residential, commercial, occupied, vacant properties and mobile homes Other types of collateral may be considered Deductibles vary by property type and vacancy status Minimum and deposit premium starting at $1,500 Monthly reporting of uninsured properties (including properties not in compliance with mortgage terms or those that have been foreclosed) Ideal accounts and appetite This program is a strong fit for agents placing accounts for: Community banks and national banks with REO exposure Credit unions and mortgage bankers managing loan portfolios Loan servicers tracking large numbers of mortgaged properties Clients with mixed portfolios — residential, commercial, vacant or occupied properties, and mobile homes Generally appropriate for standard to higher-risk lender exposures where the lender needs separate property protection for non-performing assets. The program can consider other collateral types on a case-by-case basis. Underwriting notes and minimums Limits, terms and deductibles are underwritten based on property type, vacancy status and loss history. Minimum and deposit premium typically start at $1,500; final premium is subject to underwriting. 3-year policies are available where appropriate. Note: Earthquake coverage is excluded for properties located in California. Territories Available in: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Example accounts You might have a community bank that has acquired several foreclosed single-family homes and needs property insurance and monthly reporting to monitor uninsured assets. You could place a portfolio for a mortgage servicer that requires force-placed flood coverage and GL exposure management for vacant commercial buildings pending disposition. Why place this business with Russell Bond & Co., Inc. Specialized programing for lender/REO exposures with flexible limits and multi-year terms. Ability to add force flood and General Liability where needed to protect lender interests. Electronic online reporting for portfolio-level visibility and monthly tracking of uninsured properties. Experienced underwriting team focused on lender needs — for program details and submissions contact Tony Ambrose and/or Ed Reilly. *Please note that earthquake is excluded on all properties located in California. Frequently Asked Questions What types of accounts are a good fit for this program?The program is geared toward lenders, loan servicers, banks, credit unions and mortgage bankers that need separate insurance for non-performing loans, REO properties or collateral that is uninsured. It fits residential and commercial properties, vacant and occupied buildings, and mobile homes. Are multi-year policies available?Yes. Russell Bond offers 3-year policy terms where appropriate; availability and underwriting requirements depend on the account and property exposures. Is flood or earthquake coverage available?All-risk policies can include flood and earthquake where offered, and force-placed flood options are available. Note that earthquake is excluded for properties located in California. What are the underwriting and reporting requirements?Underwriting varies by property type, vacancy and loss history. The program supports monthly reporting of uninsured properties and electronic online reporting to help lenders monitor non-performing assets. Minimum and deposit premium typically start at $1,500, with final terms set after underwriting. Need help placing an account? Connect with a market specialist.

COMMERCIAL AUTOMOBILE Overview of the Program From CMS, LLC When your direct markets fall short, CMS, LLC helps you place hard-to-place or underserved commercial auto risks. Backed by an A XII Best’s rated carrier and broad access to multiple markets, our Commercial Automobile Product provides flexible solutions for a wide range of transportation-related businesses. Whether you’re placing established fleets or new ventures, CMS offers tailored options and underwriting support to get your accounts bound quickly. Target Classes and Ideal Accounts This program writes a broad array of commercial auto exposures, including but not limited to: Non-emergency ambulette and medical transport services Limousine and chauffeur operations Airport and hotel shuttle operators Dump trucks, flatbed haulers, and oversized-load carriers Refuse haulers and mix-in transit vehicles Moving & storage companies Sand & gravel haulers Dry van fleets and motor truck cargo operators Special riggers and oversized load carriers Stand-alone auto physical damage (non-admitted placement available) While the core program is tailored to fleets of 10 units or more, CMS maintains additional market relationships to consider smaller fleets, single-unit operations, or brand-new businesses when appropriate. Coverage Highlights and Advantages Primary liability limits up to $1,000,000 CSL (select accounts considered up to $2,000,000) Vehicle physical damage capacity up to $25,000,000 Motor truck cargo limits customized to cargo type and exposure No maximum fleet size restrictions through available carriers Competitive commission structures offered to agency partners All new business submissions are accepted on standard ACORD applications. We combine rapid underwriting response with multi-market placement capabilities to help close business efficiently. Underwriting Notes The program’s core appetite favors fleets of 10 or more units; however, CMS leverages additional markets for smaller operations and single-unit risks. Each submission is evaluated on its own merits—complete ACORD applications, current loss runs, drivers’ MVRs, and vehicle schedules will speed review and placement. Territories and Availability This program is available in the following jurisdictions: AL, CA, CT, FL, GA, IL, KY, ME, MI, NH, NJ, NY, NC, PA, RI, SC, TN, TX, VT, VA, and DC. Why Work With CMS, LLC? CMS, LLC is a wholesale broker with deep commercial auto expertise and long-standing carrier relationships. Our strengths include multi-market access, flexible underwriting solutions for specialized exposures, and hands-on support to help agents place difficult accounts. We partner with agents to identify the best market for each risk rather than forcing one-size-fits-all placements. Example scenarios that fit the program: A regional sand-and-gravel hauler with a growing fleet that needs higher cargo limits and split liability/physical damage solutions. A newly launched non-emergency medical transport service seeking coverage for a small fleet while establishing safety and loss-control programs. Submission Contacts: Email: [email protected] or [email protected] Fax: (516) 799-8602 ACORD applications are acceptable. Let CMS put the pieces together for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for commercial auto accounts such as dump trucks, flatbed haulers, healthcare transport vehicles, limousines, cargo haulers, and other transportation-related businesses. We also review new ventures and smaller fleets through secondary markets. Is there a minimum fleet size requirement?The core program favors fleets of 10 units or more. That said, CMS has access to additional markets that can consider smaller operations and single-unit risks depending on the exposure and carrier appetite. Are ACORD applications accepted for submission?Yes. Please submit standard ACORD applications along with supporting documents (loss runs, driver MVRs, vehicle schedule) to expedite underwriting review. In which states is this program available?This program is available in AL, CA, CT, FL, GA, IL, KY, ME, MI, NH, NJ, NY, NC, PA, RI, SC, TN, TX, VT, VA, and DC. What are the available coverage limits?We offer primary liability limits up to $1,000,000 CSL (with select accounts considered up to $2,000,000), vehicle physical damage capacity up to $25,000,000, and motor truck cargo limits tailored to the type of cargo. Need help placing an account? Connect with a market specialist.