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The contents of this site, including but not limited to the text and images herein and their arrangement, are copyright ©1997-2012 by Clark & Lavey Benefits Solutions, Inc. ("Clark & Lavey"), 7 Henry Clay Drive, Merrimack NH 03054-4847. All Rights Reserved.

Clark & Lavey hereby authorizes you to copy and display the content herein, but only for your personal or informational and non-commercial use. However, the content herein shall not be copied or posted in any network computer or broadcast in any media. Any copy you make must include this copyright notice. Limited quotations from the content are permitted if attribution to Clark & Lavey is included, but you may not copy or display for redistribution to third parties for commercial purposes any portion of the content without the prior written permission of Clark & Lavey. No modifications of the content may be made.

Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright (except as expressly provided above), or other proprietary rights of Clark & Lavey or of any third party.

Trademarks
Clark & Lavey and the Clark & Lavey logo are registered trademarks of Clark & Lavey.

Content
Clark & Lavey makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind.

CLARK & LAVEY HAS NOT MADE AND DOES NOT MAKE ANY WARRANTY OF ANY KIND WHATEVER, EXPRESS OR IMPLIED, WITH RESPECT TO THE CONTENTS OF THIS SITE; AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE ARE HEREBY DISCLAIMED BY CLARK & LAVEY. CLARK & LAVEY WILL NOT BE LIABLE TO ANYONE WITH RESPECT TO ANY DAMAGES, LOSS OR CLAIM WHATSOEVER, NO MATTER HOW OCCASIONED, IN CONNECTION WITH ACCESS TO OR USE OF THE CONTENTS OF THIS SITE. IN NO EVENT SHALL CLARK & LAVEY BE LIABLE FOR ANY SPECIAL, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION INCLUDING BUT NOT LIMITED TO CONTRACT OR NEGLIGENCE OR OTHER TORTIOUS ACTIONS, ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING OR DISPLAY OF THE CONTENT.

While Clark & Lavey believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and Clark & Lavey does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Clark & Lavey may make changes in the products, services and information described herein, however, Clark & Lavey makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Links to Other Sites Some of the sites listed as links herein are not under the control of Clark & Lavey. Accordingly, Clark & Lavey makes no representations whatsoever concerning the content of those sites. The fact that Clark & Lavey has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by Clark & Lavey with respect to such site, its owners or its providers. Clark & Lavey is providing these links only as a convenience to you. Clark & Lavey has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and Clark & Lavey cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

Fee/Commission Disclosure
Subsidiaries of Clark & Lavey Benefits Solutions receive revenue in several forms. For its insurance companies, premium is received on which underwriting and investment income is realized. For the subsidiaries of Clark & Lavey., which provide insurance and reinsurance brokerage, risk management, underwriting management, captive management and benefits consulting, remuneration may be received as commissions paid by an insurer; fees paid by a client in lieu of, or in addition to, commissions; and investment income on premiums, claim payments, and return premiums temporarily held as fiduciary funds. In certain circumstances, one or more of these subsidiaries may also receive compensation in the following forms: commissions or fees paid to reinsurance brokerage or captive management companies for placement or management of reinsurance of a client's risk; commissions paid to excess and surplus lines brokerages ; commissions paid to a managing general agent to whom a risk has been referred for placement; contingent commissions paid by an insurer based on aggregate loss experience; overrides paid by an insurer/reinsurer based on services performed and the volume of business placed with the insurer/reinsurer; fees paid for premium financing; and fees paid for performance of technical or other services.


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