Disclosure Of Compensation Agreements

Dale Group, Inc. (“Dale”) secures and otherwise facilitates the purchase of insurance coverage for its policyholder clients from a variety of insurance carriers and group benefits providers (collectively “carriers”) and sometimes engages the services of other entities in connection with the issuance of such coverage. In most instances, Dale is primarily compensated for the insurance brokerage services that it provides to its policyholder clients through commission payments that are based on the premium charged, and paid for, by the issuing market for each policy secured for Dale’s clients. The percentage of these commissions varies by market and policy type.

In addition, Dale has entered into contingent compensation arrangements with markets based on circumstances, including without limitation, the overall volume of premiums paid to or policies issued by or through a particular market for Dale’s clients; the overall growth, persistency and/or retention of the premiums paid by Dale’s clients to or through a particular market; and, in certain cases, the profitability of the total premium (i.e., claims history on the coverage) paid by Dale’s clients to or through a particular market.

Any documentation currently in Dale’s possession evidencing Dale’s current compensation agreements with the aforementioned carriers is available for all policyholders’ review at Dale’s offices; however, if those policyholders or their representatives have any additional questions or require any other information regarding any of the compensation received by Dale for any its insurance brokerage services, please do not hesitate for contact your account executive.