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Compensation Disclosure

TO OUR CUSTOMERS AND FUTURE CUSTOMERS:

Information about how our compensation is earned

Thank you for your business. As your Independent Insurance Broker, we purchase insurance products and services on your behalf that are available, affordable, and understandable.

Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support and advocacy. When any issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest.

Consistent with industry practice we receive compensation ("commission") as part of your insurance premium or as a separate fee as agreed by you the customer. The range of compensation for each company and class of business varies. Specific details are fully available upon request.

If there is any material change that affects compensation arrangements, we will notify you.

Some of the insurers we represent may pay us additional commission which we refer to as contingent profit commissions. Payment of this contingent profit (not guaranteed) commission may depend on a combination of growth, profitability (loss ratio), total volume, retention and increased services that we provide on behalf of the Insurer for a designated period of time. Contingent profit commission is not guaranteed nor is it the same calculation for each company. For detailed information on contingent commission, please go to the individual company's website.