Portfolio is one of the nation's largest and oldest managers of reinsurance and risk-transfer programs for automobile dealers. Our business approach is unique.Portfolio is distinguished by offering its dealers true 100% ownership of the reinsurance company, which delivers to them 100% of the underwriting profits and investment income. This business model means we honor the dealer's rights of ownership, and have set up our company to protect those rights. Portfolio is structured and managed to give every available benefit to the dealer.We are a partner, not just a provider.In the dealership Portfolio provides an up-to-date array of reinsurable products- vehicle service contracts, dealer warranties, GAP, maintenance plans, appearance protection, lease protection, anti-theft, and other ownership protection products- to enable the dealer to create the best mix to serve the local market while growing his or her reinsurance or risk-transfer company.One of the company's singular achievements is having successfully defended its clients during the 2002-2004 IRS investigation into dealer reinsurance. The result was two Technical Advice Memoranda that vindicated the Portfolio approach of strict accounting standards with impeccable documentation. No other company can claim this.Portfolio is the best choice for dealers and agents who want integrity, expertise, and profitability in the growth of their businesses.Company InformationPortfolio Services Limited, Inc., Express Systems, Inc. and Portfolio SE, Inc. are wholly owned subsidiaries of Portfolio Holding, Inc. They serve as the administrator and/or obligor for a variety of aftermarket products. Portfolio Services Limited, Inc., California DBA Portfolio Insurance Services, Inc. #OI81316Portfolio SE, Inc., FL License #3186514651 Dallas Parkway Suite 502Dallas, TX 75254 Express Systems Inc., California DBA Express Systems Insurance Services #OF8441425541 Commercentre Drive Suite 100Lake Forest, CA 92630

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