DISCLOSURE

William Gallagher Associates Insurance Brokers, Inc. (WGA) earns revenue in several forms. Remuneration may be received as standard commissions paid by an insurer for a risk/policy; fees paid by a client for services; investment income on premiums; fees paid for performance of technical or other services rendered; and in the form of contingent commissions or supplemental commissions paid by insurers based on volume, growth, profitability and other factors of business placed with that insurer. WGA is committed to providing details about any and all forms of our compensation to our clients upon request. If you have any questions regarding the nature or amount of the compensation earned by WGA on your account, please contact your Client Executive at WGA.