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Management is pivoting from a traditional human-driven model to a 'true choice' platform, allowing clients to transact fully digitally, partially digitally, or via human agents.

The rollout of Digital Agent 2.0 in Texas for auto and homeowners products is a strategic response to fragmented online shopping experiences and carrier demand for high-quality underwriting data.

New business commission growth of 29% was driven by the rapid scaling of the enterprise sales team and improved productivity across corporate and franchise channels.

Geographic diversification is accelerating, with over half of corporate agents now located outside of Texas in new 'talent incubator' offices like Seattle and Nashville.

AI initiatives, including the 'Lilly' virtual assistant, are now resolving approximately 19% of inbound calls, allowing the service organization to reallocate 40 full-time employees to higher-value tasks.

The franchise model is shifting toward larger, more productive agencies, evidenced by a 13% to 18% year-over-year increase in producers per franchise location.

Management attributes the current stock price to 'market dislocation' and has aggressively repurchased shares, bringing the total share count below its IPO level.

Core revenue growth is expected to accelerate in the second half of the year as improving client retention begins to outpace the impact of year-over-year premium changes and pricing impacts.

Management expects to achieve at least 86% client retention during the year, supported by a stabilizing product market and specific internal retention initiatives.

The Digital Agent platform is expected to begin contributing meaningful revenue in the second half of the year as it integrates more deeply with enterprise partners.

Full-year 2026 guidance assumes contingent commissions will remain between 60 and 85 basis points of total written premiums, pending weather-related underwriting performance.

Corporate offices will continue to serve as a primary pipeline for franchise ownership, with a target of transitioning approximately 10% of corporate agents to franchise owners annually.

A $4.0 million recovery of previously unpaid renewal commissions in Q2 2025 creates a difficult year-over-year comparison for the upcoming second quarter core revenue growth.

The Net Promoter Score (NPS) has declined due to industry-wide price increases, which management views as a reflection of general consumer sentiment rather than service quality.

Franchise consolidation resulted in 63 agencies merging into larger entities during the quarter, a deliberate strategy to improve ecosystem health and scale.

G&A expenses in Q1 were impacted by a $1.5 million timing shift for a major franchise conference that occurred in Q2 during the prior year.

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Management noted that carriers have indicated a willingness to pay outsized compensation in the digital channel due to the high quality of integrated partner data.

The platform currently features four auto carriers, with plans to add more as the company focuses on improving digital conversion rates in Texas before expanding to other states.

The moat is built on national scale combined with local expertise, allowing the company to handle complex risks across 50 states that automated competitors cannot.

Management emphasized that their ability to offer a 'choice' model for both product and transaction method (digital vs. human) is currently unique in the industry.

Productivity increases are driven by agencies hiring more producers and adopting sophisticated management infrastructures used by the top-performing half of the franchise community.

The company aims to reach an average of 5 producers per franchise to achieve optimal scale and operational efficiency.

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