R2016-110 AUTHORIZING CITY MANAGER TO EXECUTE INSURANCE COVERAGE FOR PROPERTY, LIABILITY AND WORKERS COMPENSATION

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City Of Decatur Proposal Disclosures (Cont.) This data and the resulting analytical tools help us better understand the current marketplace, more accurately predict future trends and offer tailored solutions to our customers. The data may also be provided to insurers pursuant to consulting service agreements from which we earn fees. If you have specific questions about the compensation received by Gallagher and its affiliates in relation to your insurance placements, please contact your Gallagher representative for more details. In the event you wish to register a formal complaint regarding compensation Gallagher receives from insurers or third parties, please send an e-mail to Compensation_Complaints@ajg.com or send a letter to: Compliance Officer Arthur J. Gallagher&Co. Two Pierce Place, 20th Floor Itasca, IL 60143 TRIA/TRIPRA If this proposal contains options to purchase TRIA/TRIPRA coverage, the proposed TRIA/TRIPRA Disclaimer program may not cover all terrorism losses. While the amendments to TRIA eliminated the distinction between foreign and domestic acts of terrorism, a number of lines of coverage excluded under the amendments passed in 2005 remain excluded including commercial automobile, burglary and theft insurance; surety insurance, farm owners multiple perils and professionai liability(although directors and officers liability is specifically included). If such excluded coverages are required, we recommend that you consider purchasing a separate terrorism policy. Please note that a separate terrorism policy for these excluded coverages may be necessary to satisfy loan covenants or other contractual obligations. TRIPRA includes a$100 billion cap on insurers'aggregate liability. The TRIPRA program increases the amount needed in total losses by$20 million each calendar year before the TRIPRA program responds from the 2015 trigger of$100 million to$200 million by the year 2020. TRIPRA is set to expire on December 31, 2020. There is no certainty of extension, thus the coverage provided by your insurers may or may not extend beyond December 31, 2020. In the event you have loan covenants or other contractual obligations requiring that TRIA/TRIPRA be maintained throughout the duration of your policy period, we recommend that a separate"Stand Alone"terrorism policy be purchased to satisfy those obligations. Property These property values were obtained using a desktop Property Estimator software operated by non- Estimator appraisal professionals. These property values represent general estimates which are not to be Disclaimer considered a certified appraisal. These property values include generalities and assumptions that may produce inaccurate values for specific structures. Actuarial The information contained in this proposal is based on the historical loss experience and exposures Disclaimer provided to Arthur J. Gallagher Risk Management Services, Inc..This proposal is not an actuarial study. Should you wish to have this proposal reviewed by an independent actuary, we will be pleased to provide you with a listing of actuaries for your use. Arthur J.Uallagher Risk Management Services,Inc. 45