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lmportant Disclosures <br />IMPORTANT: The proposal and/or any executive summaries outline certain terms and conditions of the <br />surety program proposed by the insurers, based on the information provided by your company. We make no <br />warranties with respect to policy limits or coverage considerations of the carrier. <br />Compensation Disclosure <br />1. Gallagher Companies are primarily compensated from the usual and customary commissions, fees or, <br />where permitted, a combination of both, for brokerage and servicing of insurance policies, annuity <br />contracts, guarantee contracts and surety bonds (collectively "insurance coverages") handled for a <br />client's account, which may vary based on market conditions and the insurance product placed for <br />the client. <br />2. ln placing, renewing, consulting on or servicing your lnsurance coverages, Gallagher companies may <br />participate in contingent and supplemental commission arrangements with intermediaries and <br />insurance companies that provide for additional compensation if certain underwriting, profitability, <br />volume or retention goals are achieved. Such goals are typically based on the total amount of certain <br />insurance coverages placed by Gallagher with the insurance company, not on an individual policy <br />basis. As a result, Gallagher may be considered to have an incentive to place your insurance <br />coverages with a pafiicular insurance company. lf you do not wish to have your commercial <br />insurance placement included in consideration for additional compansation, contact your producer <br />or service team for an Opt-out form. <br />3. Gallagher Companies may receive investment income on fiduciary funds temporarily held by them, <br />or from obtaining or generating premium finance quotes, unless prohibited by law. <br />4. Gallagher Companies may also access or have an ownership interest in other facilities, including <br />wholesalers, reinsurance intermediaries, captive managers, underwriting managers and others that <br />act as intermediaries for both Gallagher and other brokers in the insurance marl<etplace some of <br />which may earn and retain customary brokerage commission and fees for their work. <br />lf you have specific questions about any compensation received by Gallagher and its affiliates in relation to <br />your insurance placements, please contact your Gallagher representative for more details, <br />ln the event you wish to register a formal cornplaint regarding compensation Gallagher receives from <br />insurers or third-parties, please contact Gallagher via e-mail at Compensation*Complaints@ajg.com or by <br />regular mail at: <br />Chief Compliance Officer <br />Ga llagher Global Brokerage <br />Arthur J, Gallagher & Co. <br />2850 Golf Rd, <br />Rolling Meadows, lL 60008