An Important Notice Regarding Compensation
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As a subsidiary of National Financial Partners Corp ("NFP"), FBD Consulting, Inc. is a member of a financial services network containing approximately 140 owned firms and approximately 185 affiliated firms. Firms within the NFP network engage in one or more of its primary lines of business, which include corporate and executive benefits and property and casualty insurance brokerage. These firms, including ours, may earn additional compensation pursuant to contingent compensation arrangements. In addition to the standard commissions received for the services provided to you, we, NFP 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/or group benefits providers. Insurance companies and/or group benefits providers may pay us, NFP 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, NFP or our affiliates fixed amounts related to the support of NFP company conferences, conventions and other marketing efforts. If you are interested in receiving additional information on any of the matters discussed above, please contact Michelle Dortch, Senior Vice President of Group Benefits, at (913) 319-8817. As always, we value your business and appreciate the opportunity to provide you insurance and benefit services.

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