In order to place the insurance requested, your agency/brokerage and/or 1Fort may charge additional fees for services that may include but are not limited to performing risk analyses, comparing policies, processing submissions, processing payments, communication expenses, inspections, working with underwriters on the coverage proposal, issuing policies, or servicing the policy after issuance. Third-party inspection or other fees may be separately itemized upon request. If you, the "Insured," recommend an inspection company, we will endeavor to determine if it is approved by the insurer. To the extent you, the Insured, pay your agency/brokerage and/or 1Fort a fee for services, we represent the Insured in performing those services. Our fees are fully earned and nonrefundable, except when required by applicable law. Our fees apply to new policies, renewal policies, endorsements, and certificates. Fees applicable to each renewal, endorsement, and certificate will be outlined in the quotes, proposals, or invoices. In the event that the premium is adjusted upward, our fees are also adjustable and will be collected against any additional premium. The fees charged by us do not obligate you, the Insured, to purchase the proposed insurance or the insurer to bind the proposed insurance. Our fees are not determined by the insurer. This fee authorization shall remain operative until terminated by written notice.

Depending upon the insurer involved with your placement, we may also receive a commission from the insurer. We may also have an agreement with the insurer we are proposing for this placement that may pay us future additional compensation, including performance-based or contingent revenue. This compensation is in addition to any fees and/or commissions that we have agreed to accept for placing this insurance. This compensation could be based on formulas that consider the volume of business placed with the insurer, the profitability of that business, how much of the business is retained for the insurer's account each year, and potentially other factors. The agreements between your agency/brokerage and/or 1Fort and the applicable insurer frequently consider total eligible premium from all clients placed during a calendar year, and any incentive or contingent compensation is often received at a future date, including potentially after the end of the following calendar year. Because of variables in these agreements, we often have no accurate way at the time of placement to determine the amount of any additional compensation that might be attributable to any Insured's placement.The broker or producer with the direct relationship with you, the Insured, must comply with all applicable laws and regulations related to disclosure of compensation, including disclosure of potential incentive or contingent compensation, the criteria for receiving such compensation, and informing the Insured that it may request more information about producer or broker compensation that might be paid in connection with the Insured's placement.

We may also earn investment income, including interest, on premiums and other funds temporarily held in bank accounts as fiduciary funds, as well as compensation as a broker, consulting manager, reinsurance intermediary, premium finance company, claims adjuster, consultant, or service provider. If you need additional information about the compensation arrangements for services we provide, please contact your representative.

Unless this quote is amended or withdrawn, it is valid for 30 days from the date shown above, or the proposed effective date, whichever is earlier. This quote can be amended or withdrawn at any time prior to acceptance by the Insured. If the quote included with this letter provides otherwise, or in any way conflicts with this letter, the terms of the quote shall govern and control. You are entitled to obtain and keep a completed copy of this disclosure and any broker fee agreement you sign. If you would like additional information about the compensation to be received by us or the broker with whom you have a direct relationship, please contact your broker or contact@1fort.com.

The undersigned authorized representative of the applicant authorizes your agency/brokerage and/or 1Fort to receive all communications from the applicable insurer on behalf of the applicant and relay such communications to the applicant. Further, the undersigned authorized representative of the applicant acknowledges that your agency/brokerage and/or 1Fort is authorized to, on behalf of the applicant, create and manage access to insurer portals (subject to such insurer's terms of service), maintain the relevant login information, access such portals, pay premiums to the insurer, access policy information and underlying documentation, and initiate cancellation of the insurance coverage, as applicable, subject to applicable law.

You agree to receive insurance-related communications and use an electronic signature for all documents related to your insurance policy, including (but not limited to) any legal notices or disclosures, via electronic means, in accordance with 1Fort's electronic signature and disclosure policy. You can withdraw your consent at any time. Please review 1Fort's privacy policy, which governs your use of 1Fort's products and services. By signing this Insurance Proposal, the undersigned agrees that they have read 1Fort's electronic signature and disclosure policy and privacy policy.

Payment of premium does not, by itself, guarantee coverage; coverage is effective only if and when the insurer confirms binding. The insurer may rescind or change terms at its discretion, and such actions are outside of our control. In the event of any discrepancy between this proposal and the insurer's quotation or policy, the insurer's documents shall govern.