To Our Valued Clients: BNC is compensated for its work and services in several ways. Commission can be calculated as a percentage of the premium collected by the insurer, in which case it is paid to us by the insurer. Additionally, we may charge broker and/or service fees in certain instances, which are fully disclosed to our clients via a fee agreement.  BNC may also receive compensation from insurers and/or insurance intermediaries, which could be contingent on volume, profitability or other factors pursuant to agreements we may have with them. BNC is known for its high standards of integrity. We value the long standing relationships we've built with our clients and the trust they place in us every day. Please don't hesitate to contact us with any questions or concerns you may have regarding this information. Sincerely, BNC Insurance Agency, Inc. Brian M. Colby Principal