About Marsh U.S. Consumer

Marsh U.S. Consumer brokers and administers affinity insurance and membership product programs for its sponsoring organization clients and their constituents. Marsh U.S. Consumer's clients include employers, associations, franchisees, financial institutions, and other consumer-focused businesses. Marsh U.S. Consumer operates through Seabury & Smith, Inc., a subsidiary of Marsh, the world’s leading insurance broker and risk advisor. Marsh is a unit of Marsh & McLennan Companies (MMC), a global professional services firm with approximately 52,000 employees and annual revenue exceeding $10 billion. MMC’s Web Site is www.mmc.com. Marsh’s Web site is www.marsh.com.

Marsh is committed to setting the industry standard for ethical business practices and client service. To fulfill that commitment, we at Marsh U.S. Consumer pledge to: disclose our compensation from insurers and from other third parties; disclose our interests in and contractual relationships with insurers; receive no contingent compensation when representing our insured clients; and fully disclose to our clients all quotes and premium indications that we receive from insurers on our clients' behalf. More information about Marsh U.S. Consumer can be found at www.marsh.com.