OUR COMMITMENT TO OUR CUSTOMERS

To Our Valued Customers:

The Capacity Group's Mission is to provide our customers professional assistance in obtaining the insurance products and services needed by representing our customers' best interests. We enhance our customers' best interests by establishing a relationship of trust and full disclosure in helping our customers evaluate and obtain the insurance protection they need.

Recently, the insurance industry has been shocked by the way some companies have abused a well-known and acceptable industry practice in accepting contingent commission payments.

Because we take our commitment to our customers seriously in terms of building a high level of trust, we want to avoid even the appearance of any impropriety. In that spirit, we believe we are guided first and foremost by our customers' needs and our commitment to integrity in our business.

In fulfillment of our commitments to our customers, we will be guided by the following principles with respect to new and renewal business:

Our recommendations and solutions to our customers will result from our customer's best interest. There will be no conflicts between the interests of our customers and the interests of any other person.

We shall provide our customers with the proposals of the best available insurer which will be the most suitable insurer that is willing to provide the requested coverage for our customers taking into consideration the coverage to be provided service, financial security and price.

We shall always advise our customers to select the best available insurer.

We shall not provide our customers with false insurance premium quotes.

We shall not solicit noncompetitive premium quotes from insurers.

If we suggest multiple insurers, we will provide a concise description of the pros and cons of each insurer's quote based solely on our good faith evaluation of each of our customer's needs.

We shall always advise our customers to select the best available insurer from among multiple insurers if suggested to our customers.

We shall always take reasonable measures to obtain a quote from an insurer that we deem to be a best available insurer for our clients.

We will monitor these commitments by a series of internal controls, including regular compliance reviews and audits.

We will maintain a toll-free number to monitor any customer complaints relating to our failure to fulfill our commitments to you.