Reata Holdings

Time to Make the RIGHT Move.

CYPRESSFUNDING.COM 800.506.0602

CYPRESSFUNDING.COM

IRONWOODBROKERS.COM

800.506.0602 888.858.4766 www.reataholdings.net | 949-487-5223 info@reataholdings.net

IRONWOODBROKERS. 888.858.4766

www.reataholdings.net

www.cypressfunding.com 800-506-0602

www.ironwoodbrokers.com 888-858-4766

WELCOME WELCOME TO REATA It was another successful year for our companies and our customers. Our companies jointly originated over $165,000,000 in premium while we continue to make large strides toward automation and delivering a complete product to our clientele.

It is easy to think of our businesses as simply delivering products and services for independent retail agents, but our real value is in solving our customers problems and simplifying their lives. The insurance industry is changing by the day between technology and ever-changing market conditions. We anticipate the upcoming change and embrace it, especially when it means better serving our customers.

joining our group, their commitments to building lasting relationships with our clients, and tailoring services to meet their needs. I am very encouraged by our prospects for the future, which includes some upcoming exclusive products. The combination of our people, our culture, and commitment to service lead me to believe that almost anything is possible.

In closing, I want to thank our clients for their continued support of our businesses and, as always, look forward to our next opportunity.

John W. Ratliff, CEO As I look toward the future, I can’t help but get excited about the people that are

STATEMENTS OF PURPOSE VISION

Provide innovative products, services and strategic alliances for independent insurance professionals while maintaining integrity and profitability.

MISSION

Build lifelong customer relationships by providing solutions that exceed our customers’ expectations.

GOAL

Be the leader in every market we serve, to the benefit of our customers, employees and investors.

LEGACY

Be good people and do the right thing.

CYPRESSFUNDING.COM 800.506.0602

IRONWOODBROKERS.COM 888.858.4766

WHO WE ARE Reata Holdings is driven by a commitment for client satisfaction and development of products for insurance professionals. Our team is made up of talented and knowledgeable people with a commitment to bring value and build long lasting relationships with our clients.

Reata Holdings, Inc. was founded with a commitment to provide the highest level of service and products for the independent insurance professional.

Our companies are dedicated to providing products, tools, and services for retail insurance brokers.

We continue expanding with cutting edge technology and new products that solidify our role as a leader in the insurance industry.

Our companies enable your agency to gain a competitive advantage through access to our products and partners’ resources. Teaming up with other resources, products, and services allows you to grow and expand more quickly and efficiently.

We cannot thank our clients enough for their continued support or Reata Holdings, Inc.

CYPRESS PREMIUM FUNDING, INC. Cypress provides a complete premium financing solution while delivering a competitively priced product with the highest standards for service. We are able to finance B+ rated business with competitive down payments and payment terms up to 10 payments.

Premium financing is what we know best. It’s what we do.

ONLINE ACCOUNTS

FEE PROGRAMS

Recognizing the growing need for agents to have access 24 hours a day 7 days a week led to our Internet solution for our clients. With PBS, Cypress provides a large number of features, including detailed and summary account viewing information, broker reports such as missing policy numbers pending cancellations, cancellation holds and much more.

Cypress can customize a fee program that works for your agency.

With our online systems, fees can be generated by adjusting rates or choosing a specific plan. Plans range from a flat fee or percentage of the amount financed or premium.

ONLINE QUOTING PBS provides quotes over the Internet with the ability to electronically submit contracts. With PBS, agents and brokers can calculate and print finance contracts online from their web-browser without software installations. PBS provides a total web-based solution for on-line quoting.

CANCELLATION PREVENTION Time is money and we recognize that many insureds pay after the cancellation has been processed. We can fax or e-mail you the cancellation prevention report showing your accounts due to cancel.

PAY BY TELEPHONE

Your insured’s have the ability to make payments on-line.

These payment services provide professional on-screen confirmations with instant email transaction confirmations.

Payments may be made over the telephone by calling 800-506-0602. When Pay by Phone is used we produce an electronic check that will deduct payments directly from a checking or savings account. The payer’s bank routing and account numbers are required when making the payment by phone.

E-ALERT

AUTOMATIC PAYMENTS

ONLINE PAYMENTS

The E-ALERT is an additional reminder sent out via email to prevent account cancellations. This feature will notify both you and your client of the pending cancellation three days before the account is due to cancel. E-ALERT will include a direct link to our on-line payment screen and instructions on how to make a payment on-line or over the telephone.

TEXT ALERTS Have a text reminder sent to your client (or your agency) three days prior to cancellation AND the day of cancellation with text alerts. The reminder will include our customer service 800 number for your convenience.

The automatic payment option will help to avoid late fees and allows your payment to be deducted directly from your checking or savings account.

WEB REPORTING In addition to the products and services offered, you also have access to: Printing of Insured’s Next Bill Online Marketing Features E-mail Confirmations Online Cancellation Holds Online Customer Service Request Convenient Funding

With our cutting edge technology and world class customer service we compliment your current agency services.

We like to say, “We make you look good.” Take full advantage of our above products.

Just complete the forms at the back of the brochure and we will take care of the rest.

CYPRESS PREMIUM FUNDING INC. www.cypressfunding.com | 800-506-0602 info@cypressfunding.com CYPRESSFUNDING.COM 800.506.0602

IRONWOODBROKERS.COM 888.858.4766

Did you know?

Cypress Premium Funding has experienced steady reliable growth and is poised to continue expanding into the future.

% Premium Growth Past & Projected

Historical

% Premium by Industry

Projected

Loans Past & Projected

Other General Liability

Health/Life

Auto/Trans portation

2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 Historical

Projected

E-Signature. Mobile.

Text Alerts. 24/7 Access.

Welcome to the Future of Premium Financing

Cypress provides a complete premium financing solution while delivering a competitively priced product with the highest standards for service. Our cutting edge technology combined with our commitment for client satisfaction provide a complete agency solution.

Cypress Premium Funding is licensed to fund loans in XX states, and positioned to provide the service and value that your agency needs. Call or visit us at www.cypressfunding.com today!

Eligible States

Eligible States Ineligible States

E-SUBMISSION  ELECTRONIC SIGNATURES  IMPROVED ONLINE QUOTING ADDITIONAL PREMIUM QUOTING  ONLINE E PAYMENT WIZARD  TEXT ALERT SCHEDULED REPORTING  CANCELLATION HOLD  FIRST PAYMENT INVOICING & COUPON 24/7 ACCESS TO NOTICE AND FORMS

DING.COM 0602

IRONWOOD

BROKERS & INSURANCE MARKETING Ironwood is an industry leader in the Insurance Wholesale marketplace.

We work for you and strive to provide quick and accurate quotes. Our experience and high standards for customer service affirm our commitment to offer cost effective and comprehensive solutions for a wide variety of workers comp risk.

Our strong markets and commitment to serving your agency builds a successful bond to help grow your business.

RELATIONSHIPS Our underwriters have extensive experience evaluating risks with strong negotiating skills dealing with carriers. Our numerous programs allow us to be positioned to provide competitive insurance solutions. Each of our carriers provide an area of expertise in their targeted industry.

Allow us to navigate the competitive and challenging arena of insurance for you.

WORKERS COMP HIGHLIGHTS

E&O PROGRAM FOR BROKERS & AGENTS

New Ventures Quotes

First Dollar Defense Included

Flexible Payment Plans

Defense Cost Outside the Limit

High Experience Mods

1m/1m up to 2m/4m

Large $100,000+ Accounts

$25k Electronic Media included (100k avail)

Deductible & Retro Options

1/2/3/6 yr Extended Reporting Period available

Development Tools

Minimum Premium $1,250

Lapse in Coverage

E&O SUBMISSIONS INCLUDE

Quick Turn Around Time Commission Options In-House Quoting with Select Carriers

WC SUBMISSIONS INCLUDE Acord 130 Supplemental Application 4 Years Current Valued Loss Runs 4 Years Historical Payroll

Agents E&O Application Loss Runs, if applicable

REAL ESTATE INVESTOR INSURANCE Real Estate Investor (REI) Insurance is ideal for investors with five or more homes in their rental portfolio who are looking to protect their properties with a single policy.

REAL ESTATE INVESTMENT SUBMISSIONS INCLUDE Real Estate Questionnaire Statement of Value (S.O.V) Spreadsheet

Ironwood makes each step of the Workers Compensation and E&O quote process easy and efficient for you. Ironwood works with multiple markets to deliver competitive quotes and options for your risks.

We offer solutions for both big and small accounts.

Please complete the broker profile at the back of the brochure and get started today.

IRONWOOD BROKERS & INSURANCE MARKETING www.ironwoodbrokers.com | 888-858-4766 info@ironwoodbrokers.com IRONWOODBROKERS.COM 888.858.4766

Did you know?

Ironwood Brokers and Insurance Marketing has continued to grow by providing an outstanding experience for our Broker’s and the Markets you want.

Top Industries

Top Class Codes

Construction Personal Care Transportation/Trucking Manufacturing Restaurants

9079 8827 7219 5446 9070

Restaurants Homemaker Services Trucking Firms Wallboard Application Residential Care for the Elderly

% Premium by Industry

Auto/Transportation Health/Life General Liability Other

% Bound Business Growth Past & Projected

2022

2021

2020

2019

2018

2017

2016

2015

2014

2013

2012

Historical

Projected

Over 600 Class Codes you need

Worker’s Compensation Coverage from Ironwood Brokers

12 of the top A-Rated Markets you want

Ironwood Brokers and Insurance Marketing is licensed to write in XX states. With our desirable markets, competitive pricing, and outstanding service, we have the coverage you need. From Worker’s Compensation to Professional Liability, Occupational Accident to Real Estate Investor Insurance, Ironwood is your preferred Wholesaler. Call or visit us at www.ironwoodbrokers.com today!

Eligible States

Eligible States Ineligible States

Over 600 WC Class Codes  In-house quoting on many programs  12 Highly Rated Markets Risk Management & Claims Services  Flexible Payment Plans  New Venture Quotes High Experience Mods  Lapse in Coverage  Brokers & Agents E&O  Real Estate Investor Insurance

IRONWOOD PRODUCTS Worker’s Compensation

Broker and Agent’s E&O Real Estate Investor Insurance Occupational Accident

IRONWOOD MARKETS Ironwood Brokers and Insurance Marketing is proud to work with these top rated carriers

Risk Management & Claims Services from

E-Signature. Mobile.

Brokers TextIronwood Alerts. 24/7 Access.

Loss Prevention and Claims Management Services offered through Ironwood are backed by the unmatched financial strength and expertise of our Insurance Carriers.

Ironwood provides end to end service and facilitation with our carriers for all of your policy service needs including: • Claims Services • Risk Management • Loss Control Recommendations

CLAIMS Each of our carriers provides an area of expertise in their targeted industry, and Ironwood’s friendly customer service staff is here to help you along the way.

Risk Management and Claim Services from Ironwood Brokers & Insurance Marketing make it easy to manage from anywhere

• • • • • • • • • • •

Liability Risk Consulting Safety Education and Training Job Hazard Analysis Comprehensive HR information Return to Work Programs Audit Management Tools Incident Tracking & Record Keeping Advanced Reporting Services 24/7 Online Real-Time Access Online Medical Provider Portal Aggressive Fraud Prevention

REATA HOLDLINGS CONTACT LIST Reata Corporate Offices

28202 Cabot Road Laguna Niguel, CA 92677 949-487-5223 info@reataholdings.net ď Ź

Reata Holdings John Ratliff

CEO & President

jratliff@reataholdings.net

Judy Bryant

Controller

Rudy Castro

Sr. Executive Vice President

jbryant@reataholdings.net rcastro@reataholdings.net

Al Herrera

Sr. Executive Vice President

aherrera@reataholdings.net

Leslie Ohs

Internal Marketing

lohs@cypressfunding.com

Terry Hill

Administrative Assistant

thill@reataholdings.net

Cypress Premium Funding

www.reataholdlings.net

Christina Castro

Vice President, Operations

ccastro@cypressfunding.com

Tosha Clemons

Accounting Supervisor

tclemons@cypressfunding.com

Terry Akroush

Loan Underwriter

takroush@cypressfunding.com

Ivana Gutierrez

Loan Underwriter

igutierrez@cypressfunding.com

Julie Cortina

Collections

jcortina@cypressfunding.com

Adriana Sierra

Customer Service

asierra@cypressfunding.com

Mailet Morales

Customer Service

mmorales@cypressfunding.com

Ashley Hennings

Receptionist

reception@cypressfunding.com

www.cypressfunding.com

REATA HOLDLINGS CONTACT LIST Cypress Premium Funding 1-800-506-0602 info@cypressfunding.com

Ironwood Brokers

1-888-858-4766 info@ironwoodbrokers.com

Ironwood Brokers and Insurance Marketing Michelle Newsom

Vice President, Operations mnewsom@ironwoodbrokers.com

Ryan Mueller

Operations Manager

rmueller@ironwoodbrokers.com

Camie Ramey

Marketing Specialist

cramey@ironwoodbrokers.com

Carol Martinez

Policy Service Rep.

cmartinez@ironwoodbrokers.com

Karina Giron

Submission Clerk

kgiron@ironwoodbrokers.com

Eugene Man

Marketing Assistant

eman@ironwoodbrokers.com

General & Correspondence Contacts Submissions Inbox

appps@ironwoodbrokers.com

E&O Submissions Inbox

eoapps@ironwoodbrokers.com

Policy Service Inbox

policyservice@ironwoodbrokers.com

www.ironwoodbrokers.com

John likes this format – he wants the names / pictures linked to the Person’s profile on our website (Reata Holdings / About Us) This is from the website www.pipelinedeals.com/about Meet the team

Board of Directors

MEET THE REATA HOLDLINGS TEAM Reata Holdings & Corporate Executives John Ratliff hails from Ft. Worth Texas. After obtaining his Bachelor Of Science Degree from The University of North Texas in Denton, Texas, Mr. Ratliff moved to London England to work for Nelson Hurst & Marsh as a Lloyds of London Broker. He worked in the Special Risk Division specializing in large property line slips, long haul transportation, Special Event coverage and Kidnap Insurance.

Upon his return from England, Mr. Ratliff joined the Rigg Group and started a retail division specializing in mass solicitation of mobile home insurance and was involved in writing insurance for the long haul trucking accounts. The majority of the John Ratliff premium was financed which led to an interest in becoming involved in premium CEO financing. Mr. Ratliff relocated from Texas to Newport Beach California in 1995 where he started to build what would become one of California’s largest privately held premium finance companies.

He is the founder of Reata Holdings, Inc. and its subsidiaries. RHI owns and operates companies specializing in products and services for the commercial insurance industry field. Growth is driven by the recruitment of employees who are creative and competent and acquisition of existing firms that fold into our existing infrastructure and culture. Mr. Ratliff serves as a board member of the Beach Cities YMCA and Vice Chairman of the California Premium Finance Association. In addition he is actively involved in various state wide insurance associations. Mr. Ratliff enjoys spending time with his family, playing golf, traveling and attending sporting events.

Judy Bryant joined Reata Holdings in 2010 and brings with her over 30 years of experience in the Accounting field, having spent the last 17 years focused on the insurance industry. Judy has worked for both private and publicly traded companies and has held positions of increasing responsibility throughout her career prior to joining Reata. Most recently, Judy was the Controller for a large insurance wholesale company, that also owned a premium finance company.

Mrs. Bryant oversees all companies within Reata and is responsible for developing the company’s operating profit, cash flow analysis, budgets and its external and internal financial reporting. Judy grew up in Westchester, California and later moved to Yorba Linda to raise her family. She enjoys spending her free time with her family, her two children and her 5 grandchildren.

Judy Bryant Controller

Terry Hill joined Reata Holdings in 2017 and supports the Reata Executive Staff, reporting directly to John Ratliff. Terry bring several years of financial management experience as well as operational experience to the team, and helps manage and organize projects, reports, and events for Reata.

Terry is married and lives in Laguna Niguel, and enjoys spending her time outside the office with her husband and her two daughters.

Terry Hill

Administrative Assistant

MEET THE REATA HOLDLINGS TEAM Reata Holdings & Corporate Executives

Rudy Castro Sr. Executive VP

Rudy Castro is the Sr. Executive Vice President for Reata Holdings. Mr. Castro brings 21 years of experience in sales and marketing. He started his career in sales with Coca Cola Enterprises and moved to the finance industry in 2004 eventually finding his niche in the insurance industry. He manages his own book of over 50 million in yearly sales and also leads a tightly focused group of salespeople. He concentrates on prospect and client development. In addition, he is responsible for targeting new business campaigns and growing the current market segments for Cypress Premium Funding and Ironwood Brokers, both owned by Reata Holdings, Inc. Mr. Castro serves on the Advisory Board of Reata and assists in corporate strategy, brand management, acquisitions and corporate alliances for Reata Holdings Inc. Mr. Castro grew up in Santa Ana, California but currently resides in Mission Viejo with his wife and four children. In his free time, he enjoys traveling, attending sporting events and of course spending time with his beautiful family. He attributes his successes both professionally and personally to hard work and a passion for everything he does.

Al Herrera is the Sr. Executive Vice President for Cypress Premium Funding, Inc. Mr. Herrera has over 25 years of experience in premium financing. Mr. Herrera has spent his entire career in both premium financing and insurance underwriting developing relationships with independent retail insurance brokers. He oversees the California Region north of Orange County. Mr. Herrera serves on the Advisory Board of Reata and assists in corporate strategy, brand management, acquisitions and corporate alliances for Reata.

Mr. Herrera grew up in Los Angeles California and studied insurance at University of California Los Angeles. Mr. Herrera started his insurance career with the Hartford Insurance Group as a regional underwriter. He moved through positions of increasing responsibility with company such as CNA, TransAmerica Insurance Group, California Indemnity, and IBEX Financial before joining Reata Holdings in 2008.

Al Herrera Sr. Executive VP

Leslie Ohs joined Reata Holdings in 2015 and brings over 14 years of sales experience to her role. Ms. Ohs leverages her sales background to generate new opportunities for Reata Holdings through lead-generation and handles new broker appointments for Cypress Premium Funding.

Outside of the office, Leslie enjoys going to the beach, yoga, and vacationing in Hawaii.

Leslie Ohs Internal Marketing

MEET THE REATA HOLDLINGS TEAM Cypress Premium Funding Mrs. Castro has over 10 years experience in the premium finance industry. She was past operations manager for a finance company with over $90,000,000 in originations. She has overseen collection and underwriting departments in prior positions.

Her emphasis on client satisfaction and creating products results in a better product for Cypress. She is a proven contributor with hands on experience and results that count.

Christina Castro VP of Operations

Tosha Clemons Accounting

Mrs. Castro grew up in Santa Ana California and after graduation from Saddleback High School attended Orange Coast College. She enjoys traveling and spending time with her family.

Terry Akroush

Loan Underwriter

Adriana Sierra

Customer Service

Ivanna Gutierrez Loan Underwriter

Mailet Morales

Customer Service

Julie Cortina Collections

Ashley Hennings Receptionist

MEET THE REATA HOLDLINGS TEAM Ironwood Brokers and Insurance Marketing Michelle Newsom has been a member of Ironwood since its’ inception. She brings a unique vision to Ironwood with a commitment of delivering a competitive product with high standards for customer service and client satisfaction. Ms Newsom began her insurance career nine years ago and works in all aspects of business including sales, customer service, operations and risk management. In addition Ms Newsom takes significant responsibility for workers compensation underwriting and oversees the in house underwriting for the entire state of California.

Michelle Newsom VP of Operations

Ms Newsom grew up in Palmdale California and before entering into the insurance industry was a Fine Arts dealer in her family owned business. Ms Newsom enjoys traveling and spending quality time with her son.

Ryan Mueller comes to Ironwood with a background in Multi-Unit Business and Operations Management and has held roles of progressively increasing responsibility over the past 18 years.

Ryan Mueller

During his career, Mr. Mueller has previously worked for privately held firms, as well as two Fortune 500 companies where he has experience leading operational and cross-functional teams. His focus has been to support and drive top-line sales, and protect the bottom line by implementing efficiencies in operations to increase his business unit’s profitability.

Operations Mr. Mueller Manager holds an M.B.A.

and Bachelor’s Degree in Business Administration and is an active Alumnus participating in student-mentoring for Cal State University Fullerton’s Center of Excellence for Entrepreneurship. In this volunteer role, Mr. Mueller mentors student-groups with New Venture Creation Projects, Student-led Consulting Projects, and development of Business Plans & Strategy.

Outside of the office, Mr. Mueller enjoys spending time with his wife, son and extended family, traveling, golfing, sport-shooting, and outdoor activities.

Camie Ramey Marketing Specialist

Carol Martinez

Karina Giron

Policy Service Representative Submission Clerk

Eugene Man Marketing Assistant

A word from our clients‌

Professional Liability Coverage Broker’s and Agent’s E&O

Ironwood Broker’s has got you covered.

THANK YOU. REATA Holdings thanks the men and women currently serving our country and all of our veterans of our armed forces and our first responders.