Exhibit 3- Comparison16LOCKTON COMPANIES |Property – Renewal Summary
20LOCKTON COMPANIES |Property - MarketingMarket Line of Business ResponseAFM (Incumbent) PropertyQuotedAIG PropertyDeclined to quote - Appetite for this risk would be on a quota share (layered) program, typically in the excess position.QBE PropertyDeclined to quote – aggregation of values and wind/hail exposure is not in appetite.Zurich PropertyDeclined to quote –class of business and CAT Peril exposure is not in appetite.Travelers PropertyDeclined to quote –has looked at the City of Denton Property program before and is unable to compete with AFM’s pricing. Aggregation of risk and $500M blanket limit presents challenges.