BRP US Product Protection Program

US Product Protection Program

VSC, GAP, Tire & Wheel, and Theft protection across all US product lines

Prepared by Amynta Warranty Solutions

Total US Units

216,147

Projected Contracts

194,531

Overall Penetration

90.0%

Products Covered

4VSC, GAP, T&W, Theft

Executive Summary

Key program metrics and value drivers at a glance

4 Protection Products

VSC, GAP, Tire & Wheel, and Theft coverage across all eligible BRP product lines

400 Dealer Network

Phased enrollment over 18 months with dedicated onboarding support

194,531 Annual Contracts

Projected at base penetration rates across 216,147 total US units

90-Day Launch

Program goes live within 90-120 days with phased ramp to full production

5% YoY Growth

Year 3 projected at 214,471 contracts with compounding unit growth

90% Overall Penetration

Blended penetration across all product lines at base scenario targets

US Unit Volume by Product

Annual new + used unit sales across all BRP US product lines

Product	Full Name	New Units	Used Units	Total Units	% of Total
ATV	All-Terrain Vehicles	31,972	2,739	34,711	16.1%
SSV	Side-by-Side Vehicles	81,488	18,359	99,847	46.2%
PWC	Personal Watercraft	34,383	10,217	44,600	20.6%
SNOW	Snowmobiles	23,464	2,520	25,984	12.0%
3WV	3-Wheel Vehicles	9,219	1,786	11,005	5.1%
TOTAL		180,526	35,621	216,147	100%

Penetration Analysis by Product

Projected contracts and penetration rates at current target levels

Contracts by Product & Type

Penetration Rate by Product (%)

Contract Type Mix

VSC Penetration

30%

64,844 contracts

GAP Penetration

20%

43,229 contracts

T&W Penetration

20%

43,229 contracts

Theft Penetration

20%

43,229 contracts

Overall Penetration

90.0%

194,531 contracts

Product	Total Units	VSC Cts	GAP Cts	T&W Cts	Theft Cts	Total Cts	VSC Pen	GAP Pen	T&W Pen	Theft Pen	Overall Pen
ATV	34,711	10,413	6,942	6,942	6,942	31,239	30.0%	20.0%	20.0%	20.0%	90.0%
SSV	99,847	29,954	19,969	19,969	19,969	89,861	30.0%	20.0%	20.0%	20.0%	90.0%
PWC	44,600	13,380	8,920	8,920	8,920	40,140	30.0%	20.0%	20.0%	20.0%	90.0%
SNOW	25,984	7,795	5,197	5,197	5,197	23,386	30.0%	20.0%	20.0%	20.0%	90.0%
3WV	11,005	3,302	2,201	2,201	2,201	9,905	30.0%	20.0%	20.0%	20.0%	90.0%

Scenario Comparison

Conservative, Base, and Aggressive penetration scenarios

Conservative

VSC 20% | GAP 12% | T&W 12% | Theft 12%

Total Contracts

121,043

Overall Penetration

56.0%

VSC Contracts

43,229

Base

VSC 30% | GAP 20% | T&W 20% | Theft 20%

Total Contracts

194,531

Overall Penetration

90.0%

VSC Contracts

64,844

Aggressive

VSC 40% | GAP 28% | T&W 28% | Theft 28%

Total Contracts

268,022

Overall Penetration

124.0%

VSC Contracts

86,459

Dealer Enrollment Ramp

Target: 400 dealers over 18 months (22 new/month). 90-120 day lag to first production.

New Dealers / Month

First Production

Month 5

Full Network Active

Month 22

Contracts / Dealer / Mo

40.5

Contract Production Timeline

12-month ramp from program launch to full contract production

Launch Phase

Months 1-3

Setup & onboarding

Ramp Phase

Months 4-6

25% to 75% capacity

Full Production

Month 7+

100% capacity

Steady-State / Mo

16,211

contracts / month

Multi-Year Growth Projection

3-year outlook with 5% annual unit volume growth

Year	Growth	Units	Contracts	Pen %
Year 1	1.00x	216,147	194,531	90.0%
Year 2	1.05x	226,954	204,260	90.0%
Year 3	1.10x	238,302	214,471	90.0%

BRP Sales Commissions

Set per-contract commission rates for BRP sales team compensation

Commission Rate per Contract

VSC

$100 /contract

GAP

$50 /contract

T&W

$50 /contract

Theft

$50 /contract

Monthly & Annualized Commission Revenue

Product	Rate	Monthly Contracts	Monthly Commission	Annual Contracts	Annual Commission
VSC	$100	5,404	$540,367	64,844	$6,484,400
GAP	$50	3,602	$180,121	43,229	$2,161,450
T&W	$50	3,602	$180,121	43,229	$2,161,450
Theft	$50	3,602	$180,121	43,229	$2,161,450
Total	--	16,211	$1,080,729	194,531	$12,968,750

Monthly Commission

$1,080,729

16,211 contracts/mo

Annual Commission

$12,968,750

194,531 contracts/yr

Per Dealer / Month

$2,702

40.5 contracts/dealer/mo

Per Dealer / Year

$32,422

across 400 dealers

BRP Profitability Forecast

Commission earnings tied to dealer enrollment ramp and contract production over 36 months

Year 1 Commissions

$2,161,450

32,422 contracts

Year 2 Commissions

$10,266,800

154,004 contracts

Year 3 Commissions

$12,968,400

194,532 contracts

3-Year Total

$25,396,650

380,958 total contracts

Steady-State Monthly Earnings

$1,080,700/month

Once all 400 dealers are producing (16,211 contracts/mo) at $100 VSC + $50 GAP + $50 T&W + $50 Theft per contract

Commission Earnings Curve

Monthly and cumulative commission revenue aligned to dealer rollout schedule

Monthly Commission by Product Type

Breakdown of VSC, GAP, and T&W commission earnings per month as dealers come online

Contracts Produced vs Dealers Onboarded

How contract volume scales as dealers move through onboarding and into production

Annual Summary & Per-Dealer Economics

Year	Contracts Sold	VSC Commission	GAP Commission	T&W Commission	Theft Commission	Total Commission	Avg/Month
Year 1	32,422	$1,080,700	$360,250	$360,250	$360,250	$2,161,450	$180,121
Year 2	154,004	$5,133,500	$1,711,100	$1,711,100	$1,711,100	$10,266,800	$855,567
Year 3	194,532	$6,484,800	$2,161,200	$2,161,200	$2,161,200	$12,968,400	$1,080,700
3-Year Total	380,958	$12,699,000	$4,232,550	$4,232,550	$4,232,550	$25,396,650	$705,463

Contracts / Dealer / Month

40.5

at steady state

Commission / Dealer / Month

$2,702

avg across all products

Commission / Dealer / Year

$32,422

at full production

Avg Commission / Contract

$66.67

blended across VSC/GAP/T&W/Theft

Program Costs & Investment

Transparent breakdown of platform, technology, and development costs for the BRP product protection program

PCMI Per-Contract Fee

per contract processed

PCMI System Fee

$7,000/mo

Absorbed by Amynta

Visor Analytics -- Build

$149,000

Absorbed by Amynta

Visor Analytics -- Front End

$114,000

Billable to BRP

Detailed Cost Breakdown

Vendor	Item	Rate	Quantity	Annual Cost	Billed To
PCMI	Per-contract processing fee	$4/contract	194,531 contracts/yr	$778,124	Per Contract
PCMI	TPA system / platform fee	$7,000/month	12 months	$84,000	Absorbed by Amynta
Visor Analytics	BRP product build-out -- dedicated resources	3 resources x $55/hr	1,500 hours	$149,000	Absorbed by Amynta
Visor Analytics	Custom front-end build for BRP	1 resource	Fixed project	$114,000	Billable to BRP
Total Program Investment				$1,125,124

Cost Allocation Summary

Absorbed by Amynta

$233,000

PCMI system fee$84,000/yr
Visor product build$149,000

Billable to BRP

$114,000

Custom front-end build$114,000

Per-Contract (Ongoing)

$4/contract

Annual estimate$778,124
Based on 194,531 contracts

PCMI Implementation Project Plan

Amynta Warranty Expansion -- System setup, integrations, and launch readiness for BRP product protection

Project Overview

Amynta Warranty (Warranty Solutions BRP) aims to expand beyond VSC and onboard additional products (Tire & Wheel, Paint/Fabric, GAP) into the PCMI environment, mirroring the Sym-Tech setup. The project covers system setup, integrations, adjudication configuration, reporting, and readiness for an August launch (conference target).

Project Objectives

Establish a TPA code for Amynta within the PCMI environment

Enable additional products beyond VSC (Tire & Wheel, Paint/Fabric, GAP)

Implement support for Powersports, ATVs, and Watercraft (no automotive)

Support split adjudication with Amynta continuing to adjudicate ~1k claims/month

Connect to Lightspeed and other menu systems, with required API integrations

Enable reporting pipelines for contract and claims data

Prepare the environment for August release with testing completed beforehand

Secure executive approval from Jeff Town

In Scope

New product configuration (T&W, Paint/Fab, GAP)
Environment setup & TPA code creation
Contract and claim workflows (split adjudication)
Menu integrations (Lightspeed + potential others)
API requirements definition and connectivity
Data pipeline setup for reporting (contracts & claims)
Testing (UAT, regression, integration)

Out of Scope (for now)

Contract migration (needs are unknown)
Reinsurance reporting (explicitly not required)
Automotive product types

Project Phases

Phase 1: Discovery & Requirements

Feb -- Early March

Owners: CSM (Rocky), Amynta Ops, Product, Engineering

Define detailed product requirements for each new product line
Confirm adjudication flow, volumes, SLAs
Gather API/menu integration requirements (Lightspeed specifics)
Identify reporting requirements for claims & contract data
Determine whether contract migration is required
Document all business & technical requirements

Phase 2: Environment & Configuration

March -- April

Owners: Product Configuration, Engineering

Create TPA code in Amynta Warranty environment
Set up PCMI environment to mirror Sym-Tech configuration
Configure new product offerings
Validate OEM-owned unit handling (25% volume)
Configure split adjudication rules

Phase 3: Integrations

April -- May

Owners: Engineering, API Team, Menu Integration Team

Scope & document Lightspeed and other menu integrations
Define API calls needed for contract creation, rates, eligibility, etc.
Engineering builds or configures API connectors
Amynta testing of menu workflows

Phase 4: Reporting & Data Pipeline

May

Owners: Data Engineering, Reporting/Analytics

Build contract & claims reporting pipelines
Validate extract formats, cadence, and delivery
Ensure split adjudication reporting flows correctly

Phase 5: Testing & Validation

June -- July

Owners: QA, Amynta UAT Team, CSM Oversight

Internal QA of configuration & integrations
Amynta UAT across all product lines
Performance testing for ~4k contracts/mo and ~1k claims/mo
Validate menu integration end-to-end
Validate reporting accuracy and completeness

Phase 6: Deployment & Launch

Late July -- August

Owners: Product, Engineering, Amynta Leadership, CSM

Final production configuration
Deployment of integrations
Go-live checklist review
Jeff Town final signoff
Launch aligned with August conference timeline

Milestones

Milestone	Target Date	Status
Requirements completed	Early March	In Progress
TPA code + environment configured	April	Upcoming
Integration setup complete	May	Upcoming
Reporting pipeline validated	May	Upcoming
UAT complete	July	Upcoming
Executive signoff (Jeff Town)	Late July	Upcoming
Go-live	August (Conference)	Target

Dependencies

API documentation and integration requirements from Lightspeed
Amynta confirmation on contract migration
Product availability and configuration rules for new offerings
Data engineering bandwidth for pipelines
Executive approval from Jeff Town

Risks & Mitigations

Contract migration unexpectedly required

Start scoping early; plan contingency window

Menu integration/API complexity

Early engagement with Lightspeed; begin design in April

High UAT volume near deadline

Schedule UAT in waves and enforce entry criteria

Timeline reliance on August conference

Build two-week buffer before conference date

Next Steps

1Validate this project plan with Amynta + internal teams

2Complete and sign Statement of Work

3Schedule requirements discovery sessions

4Identify tech owners for API and menu integrations

5Confirm contract migration needs ASAP

Visor Analytics Implementation Project Plan

PCRS Admin Platform + Frontend Dealer Portal -- 19-Week Program at $55/hr Blended Rate (April 7 - August 15, 2026)

Project Overview

Visor Analytics will deliver a comprehensive F&I product protection platform for BRP, consisting of two parallel workstreams: PCRS Admin Platform configuration for 5 products (VSC New, VSC Used, Tire & Wheel, GAP, Theft) and a Simple Frontend Dealer Portal for MVP quote functionality. Target completion: August 8-15, 2026 for BRP Club / Dealer Show.

Deliverable 1

$149,600

PCRS Admin Platform (19 wks)

Deliverable 2

$116,160

Frontend Dealer Portal (14 wks)

Project Management

$41,800

Full-time PM (19 wks)

Grand Total

$307,560

5,592 hours @ $55/hr

Deliverable 1: PCRS Admin Platform — F&I Product Setup (5 Products) · 19-Week Envelope

#	Work Item / Phase	Role (× Count)	Weeks	Total Hrs	Cost	Notes
Phase 1A: Requirements, Data Table Validation & PCRS Access (Wk 1-2 · Apr 7-18)
1	Requirements gathering — validate Amynta data tables, rate structures, tier logic, forms, loss codes; PCRS sandbox access	Business Analyst × 2	2	160	$8,800	CRITICAL: Validates data tables are clean before Phase 1B
Phase 1B: PCRS Product Deployment — 5 Products Sequential (Wk 3-17 · Apr 21 → Aug 1)
2	Product 1: VSC (New) · Wk 3-5 · Apr 21 → May 9	Business Analyst × 2	3	240	$13,200	Install rates/forms, class/tier, loss codes, cancel rules
3	Product 2: VSC (Used) · Wk 6-8 · May 12 → May 30	Business Analyst × 2	3	240	$13,200	Delta config from New; used-vehicle specifics
4	Product 3: Tire & Wheel · Wk 9-11 · Jun 2 → Jun 20	Business Analyst × 2	3	240	$13,200	T&W-specific rate tables, coverage terms
5	Product 4: GAP · Wk 12-14 · Jun 23 → Jul 11	Business Analyst × 2	3	240	$13,200	GAP eligibility, LTV rules, state regulations
6	Product 5: Theft · Wk 15-17 · Jul 14 → Aug 1	Business Analyst × 2	3	240	$13,200	Theft product config, claims loss codes
QA: Starts After 1st Product Deploy — 2 QA Through End (Wk 5-19 · May 5 → Aug 15)
7	QA validation — each product tested as deployed; overlaps 1B, continues through 1C	QA Analyst × 2	15	1,200	$66,000	E2E: rates, eligibility, cancel, loss codes × 5 products
Phase 1C: Final UAT & Cross-Product Regression (Wk 18-19 · Aug 4-15)
8	BA final validation, cross-product regression & UAT support (all 5 products)	Business Analyst × 2	2	160	$8,800	Compress to 1 wk to land Aug 8 if QA clean
DELIVERABLE 1 SUBTOTAL · 19 Weeks				2,720	$149,600	2 BA full 19 wks + 2 QA 15 wks

Deliverable 2: Simple Frontend Dealer Portal · 14 Weeks Parallel to D1 · Apr 7 → Jul 11

#	Work Item / Phase	Role	Weeks	Total Hrs	Cost	Notes
Phase 2A: Design, Architecture & UX (Wk 1-3 · Apr 7-25)
9	UX/UI design & wireframes	UI/UX Designer	3	108	$5,940	Dealer portal wireframes, BRP branding, responsive
10	Architecture & tech stack selection	Overall Tech Lead	2	40	$2,200	Angular/.NET stack, API design, auth model
11	Requirements & user stories	Business Analyst	3	90	$4,950	Feature specs, acceptance criteria for MVP quote flow
Phase 2B: Frontend Build + PCRS API Integration (Wk 3-10 · Apr 21 → Jun 13)
12	Angular frontend development	Angular Lead	8	320	$17,600	Core quote flow, product selection, rate display, auth
13	Angular frontend development	Angular Developer 1	8	320	$17,600	UI components, forms, data binding, responsive layout
14	PCRS eRating API integration	.NET Lead	6	216	$11,880	API auth, rate collection for 5 products, error handling
15	.NET backend services	.NET Developer 1	6	216	$11,880	Middleware, data mapping, session management
16	API endpoint — BEST handoff for non-qualifying deals	.NET Developer 2	3	90	$4,950	Handoff to BEST via API endpoint
Phase 2C: QA, UAT & Demo Prep (Wk 9-14 · Jun 2 → Jul 11)
17	QA testing — frontend + API E2E	QA Lead	6	216	$11,880	E2E: quote flow, PCRS round-trip, BEST handoff, regression
18	QA execution & defect tracking	QA Engineer (Mid)	6	216	$11,880	Test execution, defect logging, retest cycles
19	BA — UAT support & demo prep	Business Analyst	4	80	$4,400	UAT coordination, demo script, showcase walkthrough
20	Angular bug fixes & polish	Angular Lead	3	120	$6,600	Post-QA fixes, UX polish, performance optimization
21	Infrastructure & deployment	Infra/DevOps Engineer	4	80	$4,400	Prod deploy, SSL, DNS, monitoring, CI/CD
DELIVERABLE 2 SUBTOTAL · 14 Weeks				2,112	$116,160	MVP quote portal + PCRS bridge + BEST API

Project Management — Full-Time, Spans D1 & D2 (19 Weeks · Apr 7 → Aug 15)

#	Work Item	Role	Weeks	Total Hrs	Cost	Notes
PROJECT MANAGEMENT — Full-Time, Spans D1 & D2 (19 Weeks · Apr 7 → Aug 15)
22	Program Manager — full-time governance, Amynta coordination, BRP stakeholders, D1+D2 sprint mgmt, risk tracking, status reporting	Project Manager	19	760	$41,800	Full-time: 2 parallel workstreams + vendor coordination
PM SUBTOTAL				760	$41,800	Full-time PM across both deliverables
GRAND TOTAL — VISOR ESTIMATE ($55/hr Blended)				5,592	$307,560	All @ $55/hr blended · Apr 7 → Aug 15

Incremental Deliverables & Milestones (April → August)

Week / Date	Milestone
Wk 2 · Apr 18	Requirements sign-off; data tables validated; PCRS access confirmed
Wk 3 · Apr 21	D2 frontend build kicks off (parallel to D1)
Wk 5 · May 9	Product 1 (VSC New) deployed in PCRS — 1st tangible deliverable
Wk 5 · May 5	QA begins — validates Product 1 while Product 2 config starts
Wk 8 · May 30	Product 2 (VSC Used) deployed in PCRS
Wk 10 · Jun 13	D2 frontend core build complete; enters QA phase
Wk 11 · Jun 20	Product 3 (Tire & Wheel) deployed in PCRS
Wk 14 · Jul 11	Product 4 (GAP) deployed · D2 frontend delivered (UAT complete)
Wk 17 · Aug 1	Product 5 (Theft) deployed — All 5 products configured in PCRS
Wk 18-19 · Aug 4-15	Final cross-product UAT, regression & showcase prep
Aug 8-15	PHASE 1 COMPLETE — Ready for BRP Club / Dealer Show

Key Assumptions & Dependencies

ALL RATES AT $55/HR BLENDED per VISOR MSA — no role-specific rate variation
START DATE: April 7, 2026. TARGET: August 8-15, 2026 (19-week program)
BIG ASSUMPTION: Amynta provides ALL data tables in clean, loadable format BEFORE Wk 3. Phase 1A (Wk 1-2) explicitly validates this — catches data quality issues at Wk 2, not Wk 10
5 products deployed SEQUENTIALLY: 3 wks each. QA starts after 1st product deploy, runs continuously
BAs assigned full 19 wks — flex between config support, QA gap resolution, and UAT
D1 and D2 run IN PARALLEL with independent resources. PM is FULL-TIME spanning both
Frontend scope = MVP quote portal ONLY: quote + rate display + BEST API handoff for non-qualifying deals
DMS (Lightspeed) integration is NOT ESTIMATED and NOT IN SCOPE — manual data entry assumed for Phase 1
August showcase = pilot/demo with select dealers, not full production rollout
Excludes: Infobus bridge, payment calculator, SAP/Snowflake, claims, eSign, DMS integration — Phase 2+