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DocuSign Envelope ID:A4C366A3-F5D9-473B-9218-AF49BCCA02E0 <br /> W1 I S <br /> W1IIPLACE, a proprietary online tool, provides Willis brokers with access to global <br /> placement information so that we can seek to develop solutions for you with appropriate <br /> markets at competitive prices and terms. Some insurers pay Willis a fee for annual <br /> reporting on their book of business. Some of these insurers also pay Willis an additional <br /> fee for more detailed reporting on placements matched through the Wi1IPLACE system. <br /> Any insurer payments related to the Wi1IPLACE system will not increase the cost of your <br /> insurance. <br /> Willis develops panels of insurers in certain market segments. Participating insurers are <br /> reviewed on a variety of factors. Commission rates on panel placements may be higher <br /> than rates paid on business placed outside of the panel process. Willis discloses its <br /> commission rates to clients on quotes obtained through the panel process prior to binding <br /> the coverage. In some instances, insurers pay an administration fee to participate in the <br /> panel process, or for additional reporting. Your Willis broker will provide you with <br /> additional information on Willis Panels upon request. <br /> Where permitted by applicable law, Willis may assess a policy service fee. The fee is on <br /> a per-policy basis and is calculated on the premium amount. The policy service fee is <br /> compensation to Willis for such value-added services and resources including dedicated <br /> industry practices, technical resources, placement support and our strategic outcomes <br /> practices. The fee is not required by any insurer or regulator, nor is it included in the <br /> premium charged. It will be listed separately on your invoice. It is not necessary to <br /> procure a policy to obtain many of these and other services on a consultancy basis for a <br /> separate fee. <br /> In some cases the use of a wholesale broker may be beneficial to you. We will not <br /> directly or indirectly place or renew your insurance business through a wholesale broker <br /> unless we first disclose to you in writing any compensation we or our corporate parents, <br /> subsidiaries or affiliates will receive as a result. <br /> If wholesalers, underwriting managers or managing general agents have a role in <br /> providing insurance products and services to you, they will also earn and retain <br /> compensation for their role in providing those products and services. If any such parties <br /> are corporate parents, subsidiaries or affiliates of ours, any compensation we or our <br /> corporate parents, subsidiaries or affiliates will receive will be included in the total <br /> compensation we disclose to you. If such parties are not affiliated with us, and if you <br /> desire more information regarding the compensation those parties will receive, please <br /> contact us and we will assist you in obtaining this information. <br /> In the ordinary course of business we may also receive and retain interest on premiums <br /> you pay from the date we receive the funds until we pay them to the insurers or their <br /> intermediaries, or until we return them to you after we receive such funds. <br /> Commission schedules and other compensation arrangements related to our services on <br /> your behalf may change over time and may not always be congruent with your specific <br /> US Retail Conditions Page 5 of 10 30 July 2014 <br />