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<br />n Lincoln <br /> <br />Financial Group@ <br /> <br />Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. <br /> <br />February 9, 2009 <br /> <br />The Lincoln National Life <br />Insurance Company <br />8801 Indian Hills Drive <br />Omaha, NE 68114-4066 <br />toll free (800) 423-2765 <br />www.LFG.com <br /> <br />Brown & Brown Inc <br />5900 N Andrews Ave #401 <br />Fort Lauderdale, FL 33309 <br /> <br />RE: City of Sunny Isles Beach <br /> <br />Dear Samantha: <br /> <br />This letter and the enclosed exhibits set out our proposal for the above group. The rates are based on those <br />benefits shown in the proposal using standard benefit provisions. <br /> <br />The Dental rates include a graded 10% commission schedule. You may be eligible for the group broker bonus <br />program in effect for the plan year. If you need additional information to satisfy any applicable producer <br />disclosure obligations, please contact me. <br /> <br />Lincoln Financial Group requires all producers receiving quotes for the purpose of soliciting, negotiating or <br />selling group insurance products hold valid licenses, as required by state regulations, and obtain all necessary <br />appointments with Lincoln Financial Group prior to the solicitation or sale of group insurance. <br /> <br />For appointment forms, please access our Web site at www.LFG.com. The Application for Licensing <br />Appointment can be printed, completed and returned to the address contained in the form. If you do not have <br />access to our Web site, please contact the Licensing Department at bplicensing@LFG.com. <br /> <br />I appreciate the opportunity to bid on this group. If you have questions about the plan or would like to review <br />some alternate quotes, please call me. I look forward to writing this case for you. <br /> <br />Sincerely, <br /> <br />Chad Gracy <br />Marketing Representative <br /> <br />Enclosure <br />