Notice of Contingent Compensation Agreement

We engage in one or more of lines of business, including corporate and executive benefits. We are typically compensated through fees and commissions for services provided to clients. In addition to the standard commissions received for the services provided to you, we or our affiliates may earn additional compensation for our role in providing certain products and services to you under separate contracts with insurance companies and group benefits providers. Insurance companies and group benefits providers may pay us or our affiliates contingent compensation upon satisfaction of factors such as volume, persistency or profitability of the business placed with such insurance company or group benefits provider. In addition, such product and service providers may pay us or our affiliates fixed amounts related to the support of company conferences, conventions and other marketing efforts.