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<br />Exhibit B <br /> <br />Compensation Disclosure <br /> <br />TIle following compensation disclosures must be utilized in insurance <br />proposals by Brown t/lrougl1 its Retail Agents to its Florida policyl1olders. <br />All italicized language below is for informational purposes only and sl1all <br />not be incorporated witl1in tile text of tile compensation disclosures to <br />Florida policyflOlders. <br /> <br />The following is required in all insurance coverage proposals from Brown Ihrough <br />its Retail Agents to its Flol/(Ia policyholders <br /> <br />Compensation, In addition to the commissions or fees received by us for <br />assistance with the placement, servicing, claims handling, or renewal of your <br />insurance coverages, other parties. such as excess and surplus lines brokers, <br />wholesale brokers, reinsurance intermediaries. underwriting managers and <br />similar parties, some of which may be owned in whole or in part by Brown & <br />Brown, Inc" may also receive compensation for tlleir role in providing insurance <br />products or services to you pursuant to their separate contracts Witll insurance or <br />reinsurance carriers, That compensation is derived from your premium <br />payments, Additionally, it is possible that we, or our corporate parents or <br />affiliates, may receive contingent payments or allowances from insurers based <br />on factors which are not client,specific, such as the performance and/or size of <br />an overall book of business produced with an insurer, We generally do not know <br />if such a contingent payment will be made by a particular insurer, or the amount <br />of any such contingent payments, until the underwriting year is closed, That <br />compensation is partially derived from your premium dollars, after being <br />combined (or "pooled") with the premium dollars of other insureds that have <br />purchased similar types of coverage, We may also receive invitations to <br />programs sponsored and paid for by insurance carriers to inform brokers <br />regarding their products and services, including possible participation in <br />company-sponsored events such as trips, seminars, and advisory council <br />meetings, based upon the total volume of business placed Witll the carrier you <br />select. We may, on occasion, receive loans or credit from insurance companies, <br />Additionally, in the ordinary course of our business, we may receive and retain <br />interest on premiums you pay from the date we receive tllemuntil the date of <br />premiums are remitted to the insurance company or intermediary, In the event <br />that we assist with placement and other details of arranging for the financing of <br />YOllr insurance premium, we may also receive a fee from tile premium finance I <br />~ol!:l.e..a.'1.L___,___,__n ___ _~I <br />