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<br />2025 Arthur J. Gallagher & Co <br /> <br />Gallagher is pleased to submit this proposal to you. While this proposal is not meant to constitute a formal offer, acceptance, or <br />contract, notwithstanding anything to the contrary contained in the proposal, Gallagher is submitting this proposal with the <br />understanding the parties would negotiate and sign a contract containing terms and conditions that are mutually acceptable to both <br />parties. <br />This material was created to provide accurate and reliable information on the subjects covered by should not be regarded as a <br />complete analysis of these subjects. It is not to provide specific legal, tax or other professional advice. The services of an appropriate <br />professional should be sought regarding your individual situation. <br />Consulting and insurance brokerage services to be provided by Gallagher Benefit Services, Inc. and/or its affiliate Gallagher Benefit <br />Services (Canada) Group Inc. Gallagher Benefit Services, Inc., a non-investment firm and subsidiary of Arthur J. Gallagher & Co., is a <br />licensed insurance agency that does business in California as “Gallagher Benefit Services of California Insurance Services” and in <br />Massachusetts as “Gallagher Benefit Insurance Services. <br />ajg.com The Gallagher Way. Since 1927.