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COMPENSATION DISCLOSURE NOTICE
for Regions Insurance Group, Inc. and its Affiliates and Subsidiaries

Regions Insurance values the relationships we have with our clients and insurance companies, and we want to make sure you understand how we are compensated. Accordingly, we may have a specific agreement to receive compensation or fees from our client for services rendered. We can also receive compensation from an insurance company, its parent, affiliate or other party in the form of commissions, which are calculated as a percentage of the premium paid to the carrier that our agency represents. This commission payment reflects the fact that we provide services to our clients on behalf of the insurance company. If an intermediary, such as an excess and surplus lines broker, wholesale broker or similar organization is used in the placement of or service to your account, we may receive compensation from the intermediary or an insurance company. This could also include compensation paid to or by intermediaries and insurance companies that are affiliated with or owned by Regions Insurance, Inc. or Regions Insurance Group, Inc.

We may also receive additional compensation from some insurance companies based on incentive or contingent criteria such as the amount of our total premium written with an insurance company, underwriting profitability, or other factors. We generally do not know, nor does the insurance company know, the amount of such payments, if any, until the underwriting year is closed. At your request, we will be pleased to supply further details of any type of compensation that relates to your account.

You may pay your premium in full upon placement of your insurance, finance your premium through a financial institution of your choice, pay your premium on an installment basis with your insurance company, or we may assist you in financing your premium through a premium finance company. In the event that we assist you in arranging for the financing of your premium, we may receive a fee or other compensation from the premium finance company. If the insurance premium is paid to or collected by our agency, we may receive investment income on that premium while it is in our bank account. If you have any questions regarding compensation related to your account, please do not hesitate to contact your account representative or our corporate office.

© 2014 Regions Financial Corp. All rights reserved.