Thank you for your partnership. We had a great year in 2014 and look ahead to this year with much optimism.

Based on feedback from many of our agents, we are making changes to our recognition level qualifications which will be based on 2015 performance for implementation in 2016. These new thresholds for participation will only apply to new entrants to each category during the first two years after their effective date. After the two years, all participants will need to meet their respective qualifying thresholds.

Please take a moment to review the attached information which outlines this important change and the enhancements to our Co-op Advertising program. You will notice that the change to the Co-op Advertising program now includes a new component so that your excellent performance with Arbella will afford you the opportunity to earn even more monetary benefits in the form of a Marketing Allowance.

As always, if you need clarification, you may always call your Territory Manager or Steve Jacobs, Vice President of Sales and Marketing.

We work hard to recognize our partnership with a comprehensive benefit program for you. Best wishes for our continued success in the coming year.