In our continued effort to be completely transparent regarding all sources of revenue we receive, Fidelity Benefits & Insurance Services (FBIS) has implemented the following safeguards on your behalf:

• FBIS will provide immediate notification to all employee benefit companies (including health plans and healthcare entities) that we will no longer receive any compensation that is not fully disclosed on the annual Schedule A and Schedule C used to complete your Form 5500 Annual Return/Report of Employee Benefit Plan. Compensation is defined as commission, bonuses, overrides, contingency earnings and all other incentive based revenue such as growth and volume bonuses, performance bonuses and trips. In addition, there could be other definitions of compensation that would apply under governmental rules.
• Also, upon client and/or prospect request, FBIS will provide copies of all agreements between FBIS and the companies recommended by FBIS. This policy will be effective immediately and will apply to:
• All previous agreements and carrier affiliations involving FBIS and employees of FBIS.
• All current agreements and carrier affiliations involving FBIS and employees of FBIS.
• All future agreements and carrier affiliations involving FBIS and employees of FBIS.

Should you have any questions regarding any company and/or product recommended by FBIS, please contact us and we will forward the information for your review. Please note however, due to the competitive environment of our industry, we respectfully request that you not share our proprietary information with our competitors.

In closing, we sincerely appreciate your business and we want to thank you for understanding our need to be completely transparent on all of our recommendations. We would encourage you to receive the same offer from all other insurance providers.

P. Todd Dorton
President
tdorton@fbistx.com