Gold Shield Home Protection, Inc. is an innovative home warranty company founded by real estate brokers.  The Company truly has an outside-of-the-box approach to the home warranty business.  Gold Shield has an unparalleled product offering, including a two year warranty for the price of one year. We also have guaranteed coverage that protects consumers from claims being denied on pre-existing conditions. Other coverages that are rare or e verxclusive to Gold Shield companies include above-ground swimming pool coverage, basement wall coverage and main drain coverage.

The current market conditions force Brokers to expand their business vertically with ancillary services to increase their profitability. Additionally, according to NAR surveys, consumers expect enhanced product offerings, such as a home warranty. That is why we specialize in home warranty joint ventures with real estate brokers.

A joint venture with Gold Shield Home Protection, Inc. is a low risk, high reward opportunity. Establishing a joint venture with Gold Shield Home Protection requires a minimal initial investment and will likely result in profits from $20,000 - $150,000 annually.

• Increased Profits

• Superior Warranty Offering

• Expansion of in-house product offering

• Input on claims management

• Additional brand exposure

• Additional agent marketing at no additional expense

• Customized product

• Competitive advantage

The Product

The product is unconditionally customizable to the preferences of the Broker, the demands of the local market and the expectations of your agent population. The Broker and the Gold Shield Executive Team will work together to determine the best product offering for your company and market. Below is an example of the coverage that can be customized into your product.

Central Heating System	Plumbing System	Electrical System
Garage Door Opener	Central Air Conditioning	Attic Fan
Garbage Disposal	Above Ground Pool	In Ground Pool
Washer/Dryer	Kitchen Stove	Oven Range
Septic System	Well Pump	Basement Walls
Door Bell	Burglar Alarm	Roof
Central Vacuum	Electric Air Cleaner	Sump Pump

These items can be packaged and offered as; or in conjunction with:

Seller Coverage:

Coverage offered during the listing period, typically free to the seller with a commitment to purchase the warranty for their buyer. It is most commonly less comprehensive than the buyer coverage. In most circumstances limitations including length of offering and occupancy are applicable.

Buyer Coverage:

Coverage offered to a home buyer that is typically for a period of one year following the settlement date.

2 Year Extended Warranty:

This is an optional feature that offers the home buyer a second year of coverage on the home's major systems. The systems must meet age, condition, and inspection requirements to qualify for the coverage.

Coverage Guarantee:

Most home warranties will not cover pre-existing conditions failing to provide the peace of mind that a home buyer expects with a home warranty. We offer an optional component that guarantees coverage if it is a covered item that passed inspection by an accredited home inspector.

The product is unconditionally customizable to the preferences of the Broker, the demands of the local market and the expectations of your agent population. The Broker and the Gold Shield Executive Team will work together to determine the best product offering for your company and market. Below is an example of the coverage that can be customized into your product.

Financials

RESPA regulations require each party of a joint venture to contribute an equal amount of capital proportionate to their ownership. The amount of capital required to start the joint venture depends largely on the choices of the brokers including the type of the contract that will be printed (size number of colors, etc.) other marketing materials selected for product launch (posters, banners, promotional materials, etc). State regulations are another variable in minimum start up costs.

Pro Forma

The warranty units sold are directly linked to the volume of the affiliated broker and the achieved capture rate. Our warranty joint ventures are profitable because most expenses are variable and the fixed expenses are minimal. Therefore, even with a small capture rate, a midsize to large brokerage will turn a considerable profit.

Below is a general range of profit levels based on one volume.

Rolling year icome Pro froma
Units Sold	100	250	400	550	600	750	1,000
Gross Income	45,000	112,500	180,000	247,500	270,000	337,000	450,000
Expenses
Claims Expense	9,450	23,625	37,800	51,975	56,700	70,875	94,500
Agent Fees	5,000	12,500	20,000	27,500	30,000	37,500	50,000
Advertising & Printing	400	1,000	1,600	2,200	2,400	3,000	4,000
Employee Compensation	9,000	22,500	36,000	49,500	54,000	67,500	90,000
Other Expenses	2,700	6,750	10,800	14,850	16,200	20,250	27,000
Total Expense	26,550	66,375	106,200	146,025	159,300	199,125	265,500
JV Net Income	18,450	46,125	73,800	101,475	110,700	138,375	184,500

Variable (can be modified by Broker)

Price Point: $450Claims Ratio 21%Agent Fee $50

It's easy! Gold Shield is prepared to make this a very simple process for the Broker and their Realtors. We could be selling your warranty in as little as 60 days.

Broker	Sign Operating Agreement
Gold Shield	File corporate documents with the State
Gold Shield	Open bank accounts with capital investment
Gold Shield	Obtain the proper bonds / fulfill other State requirements
Broker / Gold Shield	Product Discovery
Gold Shield	Product Development
Broker	Product Approval
Broker / Gold Shield	Product Launch Planning
Broker / Gold Shield	Product Launch

"My home warranty program is the simplest profit center I have ever had. We have increased our bottom line by over 10% for 6 consecutive years"

John Meesseman, CEO
GMAC Real Estate / The Kee Group

"Agents love this product because it carries our own name, offers superior service, and is backed by excellent marketing support. It's definitely given a boost to our company's bottom line."

Debbie Barnett
Broker / Owner
Tommie Raines, Inc.

"I'm excited about the chance to provide our agents a better product and increase our profits as well. The support from Gold Shield Home Protection has been great and the roll out was seamless."

Charles Blumenkuhl
Broker / Owner
Blue Realty GMAC

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