Document:

Unique Underwriters, Inc.

Subscription Agreement

 

UNIQUE UNDERWRITERS, INC.

5650 Colleyville Blvd.

Colleyville TX 76034

 

Gentlemen:

 

You have informed the undersigned (the “Purchaser”) that
UNIQUE UNDERWRITERS,

INC., a Texas Corporation, (the “Company”) wishes to
raise a minimum of Fifty Thousand

Dollars ($50,000) and a maximum of One Hundred Thousand Dollars ($100,000)
from

various persons by selling up to 5,000,000 shares of the Company’s
Common Stock,

$0.001 par value (the “Shares”), at a price of One Dollar
($.02) per Share.

 

I have received, read, and understand the Limited Offering Memorandum
dated June 1,

2010 (the “Memorandum”). I further understand that my
rights and responsibilities as a

Purchaser will be governed by the terms and conditions of this Subscription
Agreement,

the Memorandum and the Shares (the “Share Documents”).
I understand that you will rely

on the following information to confirm that I am an “Accredited
Investor”, as defined in

Regulation D promulgated under the Securities Act of 1933, as amended
(the “Securities

Act”), or one of 35 Non-Accredited Investors that will be allowed
to purchase Shares in this

Offering (subject to Company approval), and that I am qualified to
be a Purchaser.

 

This Subscription Agreement is one of a number of such subscriptions
for Shares. By

signing this Subscription Agreement, I offer to purchase and subscribe
from the Company

the number of Shares set forth below on the terms specified herein.
The Company

reserves the right, in its complete discretion, to reject any subscription
offer or to reduce

the number of Shares allotted to me. If this offer is accepted, the
Company will execute a

copy of this Subscription Agreement and return it to me. I understand
that commencing on

the date of this Memorandum all funds received by the Company in
full payment of

subscriptions for Shares will be deposited in an escrow account.
The Company has set a

minimum offering proceeds figure of $50,000
for this Offering. The Company has

established an Investment Holding Account with (Chase Bank, Account
# 842036204), into

which the minimum offering proceeds will be placed. At least 2,500,000
Shares must be

sold for $50,000 before such proceeds will be released from the escrow
account and

utilized by the Company. After the minimum number of Shares are sold,
all proceeds from

the sale of Shares will be delivered directly to the Company and
be available for its use.

 

1. Accredited Investor. I am an Accredited Investor because I qualify
within one of the

following categories:

 

Please Check The Appropriate Category

_____ $1,000,000 Net Worth.

 

A natural person whose individual net worth, or joint net worth with
that person’s spouse,

at the time of his purchase exceeds $1,000,000.

______________

Purchaser’s Initials

 

_____ $200,000/$300,000 Income.

 

A natural person who had an individual income in excess of $200,000
(including

contributions to qualified employee benefit plans) or joint income
with such person’s

spouse in excess of $300,000 per year in each of the two most recent
years and who

reasonably expects to attain the same individual or joint levels
of income (including such

contributions) in the current year.

 

_____ Director or Officer of Issuer.

 

Any director or executive officer of the Company

_____ All Equity Owners In Entity Are Accredited.

 

An entity, (i.e. corporation, partnership, trust, IRA, etc.) in which
all of the equity owners

are Accredited Investors as defined herein.

_____ Corporation.

 

A corporation not formed for the specific purpose of acquiring the
Shares offered, with total

assets in excess of $5,000,000.

_____ Other Accredited Investor.

 

Any natural person or entity which qualifies as an Accredited Investor
pursuant to Rule

501(a) of Regulation D promulgated under the Act; specify basis for
qualification:

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

______One of 35 Non-Accredited Investors that may be allowed to invest
in the offering

 

2. Representations and Warranties. I represent and warrant to the
Company that:

(a) I (i) have adequate means of providing for my current needs and
possible

contingencies and I have no need for liquidity of my investment in
the Shares, (ii) can

bear the economic risk of losing the entire amount of my investment
in Shares, and (iii)

have such knowledge and experience that I am capable of evaluating
the relative risks and

merits of this investment; (iv) the purchase of Shares is consistent,
in both nature and

amount, with my overall investment program and financial condition.

 

(b) The address set forth below is my true and correct residence,
and I have no intention

of becoming a resident of any other state or jurisdiction.

 

(c) I have not utilized the services of a “Purchaser Representative”
(as defined in

Regulation D promulgated under the Securities Act) because I am a
sophisticated,

experienced investor, capable of determining and understanding the
risks and merits of

this investment.

______________

Purchaser’s Initials

 

(d) I have received and read, and am familiar with the Share Documents,
including the

Memorandum and the forms of certificate for Shares. All documents,
records and books

pertaining to the Company and the Shares requested by me, including
all pertinent records

of the Company, financial and otherwise, have been made available
or delivered to me.

 

(e) I have had the opportunity to ask questions of and receive answers
from the

Company’s officers and representatives concerning the Company’s
affairs generally and

the terms and conditions of my proposed investment in the Shares.

 

(f) I understand the risks implicit in the business of the Company.
Among other things, I

understand that there can be no assurance that the Company will be
successful in

obtaining the funds necessary for its success. If only a fraction
of the maximum amount of

the Offering is raised, the Company may not be able to expand as
rapidly as anticipated,

and proceeds from this Offering may not be sufficient for the Company’s
long term needs.

 

(g) Other than as set forth in the Memorandum, no person or entity
has made any

representation or warranty whatsoever with respect to any matter
or thing concerning the

Company and this Offering, and I am purchasing the Shares based solely
upon my own

investigation and evaluation.

 

(h) I understand that no Shares have been registered under the Securities
Act, nor have

they been registered pursuant to the provisions of the securities
or other laws of applicable

jurisdictions.

 

(i) The Shares for which I subscribe are being acquired solely for
my own account, for

investment and are not being purchased with a view to or for their
resale or distribution. In

order to induce the Company to sell Shares to me, the Company will
have no obligation to

recognize the ownership, beneficial or otherwise, of the Shares by
anyone but me.

 

(j) I am aware of the following:

(i)The Shares are a speculative investment which
involves a high degree of

risk; and

(ii) My investment in the Shares is not readily
transferable; it may not be

possible for me to liquidate my investment.

(iii) The financial statements of the Company
have merely been compiled, and

have not been reviewed or audited.

(iv) There are substantial restrictions on the
transferability of the Shares

registered under the Securities Act; and

______________

Purchaser’s Initials

 

(v) No federal or state agency has made any finding or determination
as to the

fairness of the Shares for public investment nor any recommendation
or

endorsement of the Shares;

 

(k) Except as set forth in the Memorandum, none of the following
information has ever

been represented, guaranteed, or warranted to me expressly or by
implication, by any

broker, the Company, or agents or employees of the foregoing, or
by any other person:

(i) The appropriate or exact length of time that
I will be required to hold the Shares;

(ii) The percentage of profit and/or amount or
type of consideration, profit, or

loss to be realized, if any, as a result of an
investment in the Shares; or

(iii) That the past performance or experience
of the Company, or associates,

agents, affiliates, or employees of the Company
or any other person, will in any

way indicate or predict economic results in connection
with the purchase of

Shares;

(iv) The amount of dividends or distributions
that the Company will make;

(l) I have not distributed the Memorandum to anyone, no other person
has used the

Memorandum, and I have made no copies of the Memorandum; and

 

(m) I hereby agree to indemnify and hold harmless the Company, its
officers, directors,

and representatives from and against any and all liability, damage,
cost or expense,

including reasonable attorneys fees, incurred on account of or arising
out of:

(i) Any inaccuracy in the declarations, representations,
and warranties set forth

above;

(ii) The disposition of any of the Shares by
me which is contrary to the foregoing

declarations, representations, and warranties;
and

(iii) Any action, suit or proceeding based upon
(1) the claim that said

declarations, representations, or warranties
were inaccurate or misleading or

otherwise cause for obtaining damages or redress
from the Company; or (2) the

disposition of any of the Shares.

 

(n) By entering into this Subscription Agreement, I acknowledge that
the Company is

relying on the truth and accuracy of my representations.

 

The foregoing representation and warranties are true and accurate
as of the date hereof,

shall be true and accurate as of the date of the delivery of the
funds to the Company and

shall survive such delivery. If, in any respect, such representations
and warranties are not

true and accurate prior to delivery of the funds, I will give written
notice of the fact to the

Company, specifying which representations and warranties are not
true and accurate and

the reasons therefore.

______________

Purchaser’s Initials

 

3. Transferability. I understand that I may sell or otherwise transfer
my Shares only if

registered under the Securities Act or I provide the Company with
an opinion of counsel

acceptable to the Company to the effect that such sale or other transfer
may be made in

absence of registration under the Securities Act. I have no right
to cause the Company to

register the Shares. Any certificates or other documents representing
my Shares will

contain a restrictive legend reflecting this restriction, and stop
transfer instructions will

apply to my Shares.

 

4. Indemnification. I understand the meaning and legal consequences
of the

representations and warranties contained in Paragraph 2 hereof, and
I will indemnify and

hold harmless the Company, its officers, directors, and representatives
involved in the

offer or sale of the Shares to me, as well as each of the managers
and representatives,

employees and agents and other controlling persons of each of them,
from and against

any and all loss, damage or liability due to or arising out of a
breach of any representation

or warranty of mine contained in this Subscription Agreement.

 

5. Revocation. I will not cancel, terminate or revoke this Subscription
Agreement or any

agreement made by me hereunder and this Subscription Agreement shall
survive my

death or disability.

 

6. Termination of Agreement. If this subscription is rejected by
the Company, then this

Subscription Agreement shall be null and void and of no further force
and effect, no party

shall have any rights against any other party hereunder, and the
Company shall promptly

return to me the funds delivered with this Subscription Agreement.

7. Miscellaneous.

 

(a) This Subscription Agreement shall be governed by and construed
in accordance with

the substantive law of the State of Texas.

 

(b) This Subscription Agreement constitutes the entire agreement
between the parties

hereto with respect to the subject matter hereof and may be amended
only in writing

and executed by all parties.

 

8. Ownership Information. Please print here the total number of Shares
to be purchased,

and the exact name(s) in which the Shares will be registered.

 

Total Shares:_________________

 

Name(s):_____________________________________________________________

_____ Single Person

_____ Husband and Wife, as community property

_____ Joint Tenants (with right of survivorship)

_____ Tenants in Common

_____ A Married Person as separate property

_____ Corporation or other organization

_____ A Partnership

_____ Trust

_____ IRA

______________

Purchaser’s Initials

 

_____ Tax-Qualified Retirement Plan

(i) Trustee(s)/ Custodian_________________________________________

(ii) Trust Date_________________________________________________

(iii) Name of Trust_____________________________________________

(iv) For the Benefit of___________________________________________

 

_____ Other:________________________________________________________

(please explain)

 

Social Security or Tax I.D.#:____________________________________________

Residence Address:

_____________________________________________________________________

Street Address

_____________________________________________________________________

City State Zip

Mailing Address: (Complete only if different from residence)

_____________________________________________________________________

 

Street Address (If P.O.Box, include address for surface delivery
if different than

residence)

_____________________________________________________________________

 

 

 

City State Zip

Phone Numbers

Home: (_______)_____________________

Business: (_______)___________________

Facsimile: (_______)___________________

______________

Purchaser’s Initials

 

9. Date and Signatures. Dated ______________________________, 2010.

 

Signatures Purchaser Name (Print)

____________________________ ____________________________

___________________________ ____________________________

 

(Each co-owner or joint owner must sign - Names must be signed exactly as listed

under “Purchaser Name”)

 

ACCEPTED:

Unique Underwriters, Inc.

 

By:________________________________ Dated:______________________, 2010

Samuel Wolfe

Chief Executive Officer

______________

Purchaser’s52675
(05/09) AGENT AGREEMENT WITH AMERICO LIFE, INC. AFFILIATES SMC-010100 (05/09) 

 1.
COMPANY-REPRESENTATIVE RELATIONSHIP 

 Each
of Americo Financial Life and Annuity Insurance Company, Great Southern Life Insurance Company, The Ohio State Life Insurance
Company, and any other companies as may be designated from time to time, (individually and collectively, the Company, we, us or
our) appoints you as its agent/broker (Agent, you or your) to represent us in connection with our life insurance, annuities, riders
and other contracts (our policies), in accordance with this AGREEMENT. You may be appointed by any of the Companies upon acceptance
by an authorized representative of the companies. Americo Financial Life and Annuity Insurance Company, The College Life Insurance
Company of America, Great Southern Life Insurance Company, and The Ohio State Life Insurance Company, however, are separate companies.
Your right to do business in any state is contingent upon your being licensed and actually appointed by the Company in that state.
You are deemed to have a separate contract enforceable by and against each of the Companies by whom you are appointed. Reference
to “the Company” herein means the applicable appointing company(s). This Agreement supersedes any prior contracts
or agreements between you and any of the Companies named above. 

 2.
AGENT RIGHTS AND RESPONSIBILITIES 

   

 a.
INDEPENDENCE.  As an independent contractor, you are free to exercise your discretion and judgment as to time, place,
and means of performing all acts hereunder. Nothing in this AGREEMENT is intended to create a relationship of employer and employee
between you and us. 

 b.
TERRITORY.  You have no exclusive territories. Your territory is any state in which both you and the Company are authorized
to do business. 

 c.
AUTHORITY.  We authorize you, subject to the provisions of this AGREEMENT: 

 一   
to solicit applications for policies described in the SCHEDULE OF COMMISSIONS and promptly to forward the applications to us for
our consideration, 

 一   
to collect the full initial premium in a form payable directly to the company for policies to be issued and promptly to submit
all premium collected to the Company, 

 一   
to deliver policies in accordance with any delivery requirements of the Company on a timely basis, and 

 一   
to make reasonable efforts to maintain the Company’s policies in force and to provide reasonable assistance to the Company’s
policyholders. 

 d.
COMMISSIONS. 

 一   
Agent’s Commissions. We will pay you, as full compensation for all services rendered and expenses incurred by you, first
year and renewal commissions, at the rates provided and subject to the terms and conditions contained in the SCHEDULE OF COMMISSIONS,
provided to you from time to time. The SCHEDULE OF COMMISSIONS may be changed, effective upon mailing written notice to you by
the Company, and any subsequent applications solicited by you shall be affected by such change. These commissions will accrue
on premiums paid in cash to us for policies issued from applications procured by you while this AGREEMENT is in effect. Any compensation
payable will be subject to the minimum amounts in place from time to time by the Company. 

 一   
General Agent’s (agents with hierarchy) Commissions. The Company will directly pay commissions to your agents according
to the applicable Agreement and SCHEDULE OF COMMISSIONS. By making such payments, the Company will discharge our obligations to
you and your agents to the extent of such payments. To the extent commissions vest under this AGREEMENT and the Agent Agreements
of your agents, there will be no reversion to you of commissions due your agents. All override commissions due you on policies
sold by your agents prior to the date of termination will become non-vested if your AGREEMENT is terminated for cause. Commissions
will continue to be paid until the total commissions earned annually amount to less than$500.00, at which point no further commissions
will be due or payable. Any compensation payable will be subject to the minimum amounts in place from time to time by the Company.

 一             
e. LICENSING. You are responsible for all initial licensing fees and all applicable license renewal fees. We will pay the
fee for your initial resident appointment. You will bear the cost of any nonresident appointment fees. 

 一             
f. OTHER EXPENSES. The Company will provide you with application forms, medical examination forms and the various papers
necessary to write and service policies. You will be responsible for all other business expenses. 

 一             
g. ADVERTISING AND SALES PROMOTION. We will furnish to you all advertising materials, circulars and other Company printed
sales matter. We will consider your suggestions for specialized solicitation material, but none may be used without our prior
written approval. You will, at all times, comply with applicable state laws and regulations. 

 一             
 h. REGULAR STATEMENTS. On a prompt and timely basis, we will make available to you statements of your earnings, commission
advances, charges and reductions or repayments of indebtedness, in written or electronic format at the company’s discretion.
The Company must be notified in writing of any disputed amounts or transactions within ninety (90) days of the transaction date.
No amounts or transactions may be disputed more than ninety (90) days after the transaction date.   

   

   

  SMC-010100
(05/09) 

   

 i.
GENERAL AGENT RIGHTS AND RESPONSIBILITIES.  If a General Agent, you have the following additional rights and responsibilities
to: 

 一   
solicit applications for policies described in the SCHEDULE OF COMMISSIONS through your agents appointed with our approval, 

 一   
recruit agents to solicit applications for policies, 

 一   
exercise proper supervision to assure the faithful performance by your agents of their Agent Agreements, 

 一   
provide training and support to your agents, and 

 一   
repay in full amounts owed the Company by your agents upon demand by the Company. You are responsible for collecting from your
agents. 

 一             
j. MONEY LAUNDERING. We are in compliance with United States laws concerning fraud and money laundering. We expect you
to be aware of those laws relating to money laundering, and to comply with them as well. Such laws include, but are not limited
to, the International Money Laundering Abatement and Anti-Terrorism Financing Act of 2001 (Title III of the USA PATRIOT Act).
We expect you to adhere to the Company’s Anti-Money Laundering (AML) guidelines; gather the necessary information needed
to confirm the identity of applicants for the Company’s products; complete the AML training required by the Company and
immediately report suspected AML-related activity to the Company’s AML officer. 

   

 3.
COMPANY RIGHTS AND RESPONSIBILITIES 

   

 a.
RESERVATION OF AUTHORITY.  The Company reserves and retains the exclusive authority to, and your authority does not
permit you to: 

 1.
make, alter or discharge any contract to which the Company is a party, 

 2.
waive or modify any terms, rates, conditions or limitations of any policy, 

 3.
approve evidence of insurability, or bind or commit the Company on any risk, or in any manner except as outlined in the Conditional
Receipt, 

 4.
deliver any policy where the health of the proposed insured at the time of the delivery is other than as stated in the application
for insurance, 

 5.
collect any premiums after the initial premium without prior written approval from the Company, 

 6.
extend the time for any premium payment, or reinstate any lapsed policy, 

 7.
adjust or settle any claim, unless specifically directed by the Company, 

 8.
solicit applications in any state or jurisdiction without a valid insurance license for such solicitation, 

 9.
enter into any legal proceedings pertaining to the Company’s business, except as noted in paragraph 4.e., or 4.l.3, 

 10.
exercise any authority on our behalf, other than as authorized by paragraph 2., 

 11.
publish or circulate any advertisements, sales literature, illustrations or other printed materials referring to the Company or
its products or officers without the company’s prior written consent, and 

 12.
incur any expenses in our name, without prior written approval. 

 13.
approve or disapprove any of your agents. The Company’s approval will be evidenced by our entering into an Agent Agreement
with each of your agents. 

 14.
terminate any of your agents, according to the applicable provisions of their Agent Agreements, 

 15.
assess you for your agents’ unpaid charges, fees and other amounts as specified in our Agent Agreement and our rules and
regulations, and 

 16.
demand repayment of any indebtedness to the Company by you or your agents at any time. 

 b.
RESERVATION OF RIGHTS.  With reasonable notice to you, we specifically reserve the right to: 

 一   
discontinue or withdraw any policy from any state, 

 一   
modify or amend any policy or its premium rates, 

 一   
determine maximum and minimum limits on any policy, 

 一   
modify or change the conditions or terms under which any policy may be offered, 

 一   
implement and modify any rules and regulations of the Company, 

 一   
cease doing business in any state or geographically defined area, 

 一   
modify any SCHEDULE OF COMMISSIONS and, 

 一   
make periodic revisions to this AGREEMENT and addendum or addenda thereto. 

 一             
c. SECURED OBLIGATIONS. In order to secure the full and prompt payment of any and all indebtedness due from you or your
agents to us or guaranteed by you, the Company will have a security interest and first lien on any monies due at any time under
the SCHEDULE OF COMMISSIONS or any applicable addendum. In addition to any statutory or other legal basis, the Company will have
the right of offset and, at any time, may deduct from any monies, or other rights due you, such indebtedness together with interest
at the maximum rate allowed by the law of your state and any attorneys’ fees and collection costs incurred by us. Any compensation
due to you from any of our companies listed in Paragraph 1 above is subject to a similar security interest and may be offset against
any indebtedness owed by you to any of our companies listed in Paragraph 1. 

 一             
d. INDEBTEDNESS. In accordance with the terms of this AGREEMENT, you are responsible for the indebtedness of your agents.
Upon termination of this AGREEMENT for any reason, the entire amount of all monies due from you, and any and all of your agents,
will be immediately due and payable on demand, and you are responsible for assuring that the debt is repaid in full. This does
not waive the Company’s right to request payment on demand of any indebtedness, at any time, that is due and payable to
the Company. 

   

       

       

    

   

 52675
(05/09) SMC-010100 (05/09) 

   

 e.
RULES AND REGULATIONS.  The Company has the right to make and modify rules and regulations governing the issuance of
its policies, the administration of this AGREEMENT and such other matters as the Company deems appropriate to further define the
responsibilities and obligations of the parties. We will promptly provide you with such rules and regulations and any modifications. 

 f.
MATERIALS AND RECORDS.  All materials and their content which we provide you such as programs, manuals, tapes, guidelines,
diskettes or any other information pertaining to our products, will remain our sole and exclusive property, and will be used only
in the solicitation of applications for Company policies and may not be used for any other purpose without our prior written approval.
Upon termination of this AGREEMENT, you will return to the Company, at the Company’s expense, all unused materials bearing
the Company’s name or logo, including, but not limited to, forms, letterhead, and business cards. 

 g.
ASSIGNMENT.  No assignment of this AGREEMENT or of any compensation due or to become due will be valid unless approved
in advance in writing by the Company. Any assignment will be subject to the first lien and right of offset of the Company under
paragraph 3.c., above. 

 h.
AUDIT.  Your accounts, ledgers, correspondence and other records pertaining to this AGREEMENT shall, at all times, be
open to inspection and audit by authorized representatives of the Company or any of its reinsurers, regardless of any termination
of this AGREEMENT. 

   

 4.
RIGHTS AND RESPONSIBILITIES OF BOTH PARTIES 

   

 a.
RECORDS.  Both parties will keep proper records, as necessary, relating to the business transacted under this AGREEMENT.
Both parties reserve the right, during regular business hours, to review and make copies of these records. Upon request, both
parties will account for all business materials relating to the other party’s business. 

 b.
CONDUCT OF BUSINESS.  Both parties will conduct their activities as authorized and contemplated by this AGREEMENT in
accordance with applicable laws and regulations. Both parties agree to treat each other on a fair and equitable basis in all dealings. 

 c.
SUPERVISION.  You will supervise your employees and agents who solicit and process applications for our insurance policies
as provided in this AGREEMENT and will cause them to comply with all rules, regulations, and obligations imposed on you. The Company
agrees to treat them as fairly and equitably as we treat you. 

 d.
INDEMNIFICATION.  Each party is responsible to the other for its acts or omissions and the acts or omissions of its
employees and agents. Each party will indemnify and hold the other harmless from any loss or expenses (including attorneys’
fees and collection costs) resulting from any acts or omissions of its employees or agents. This shall include any monetary fines
or forfeitures, and associated administrative costs, imposed by any federal or state regulatory body by way of administrative
order or consent order or decree. Since the Company may be entering into Agent Agreements with your agents, you are responsible
for and will indemnify the Company for any acts or omissions of your agents to the same extent as for your personal acts. The
company reserves the right to withhold any amounts due from you under this paragraph from commissions payable to you. 

 e.
COOPERATION.  Both parties will fully cooperate with each other in any state or federal regulatory investigations or
proceedings, any matters of litigation, or any matters pertaining to policyholders, customers, claimants, or agents of the Company,
to the extent that they are related to matters pertaining to this AGREEMENT. 

 f.
SERVICE.  Both parties will provide prompt and professional service to our policyholders. By accepting compensation
for the policies sold, you acknowledge that the actual policies sold and in force are the property of the Company. As such, you
will not take any actions that suggest to, or encourage the policyholder to, surrender, lapse, or replace the policy or to cease
premium payments. Any such activity gives us the right to terminate this AGREEMENT for cause. Such termination shall not be considered
a waiver of the Company’s right to seek damages arising from your conduct. 

 g.
ORAL REPRESENTATIONS.  Both parties confirm that no oral promises or representations exist which are not included in
this AGREEMENT. 

 h.
CONTRACT RIGHTS.  Both parties recognize the rights of Independent Marketing Organizations and General Agents to all
of their contracted agents, provided that such contracted agents have written new business for the Company during the six-month
period immediately preceding a request to transfer the agent to another organization. If agents contracted by an Independent Marketing
Organization or General Agent have written new business for the Company during the six-month period immediately preceding a request
to transfer the agent to another organization, no transfer will be allowed without the prior written release by the current organization.
Any debt that may exist at the time of such transfer, shall transfer with the agent, and the new organization shall bear liability
for such indebtedness. 

 i.
TERMINATION WITHOUT CAUSE.  Termination under this clause will not impair any contractual rights to commissions under
the terms of the SCHEDULE OF COMMISSIONS. This AGREEMENT may be terminated without cause as follows: 

 一   
by either party giving written notice, mailed or delivered to the other party’s last known address within the timeframe
required by the law of your state. In the absence of any statutory requirement to the contrary, termination shall be effective
upon the date of the written notice of termination, 

 一   
upon your failure to provide us with a current resident mailing address, whether or not required by state law, 

 一   
upon your failure to produce an adequate volume of business, or to maintain an in-force persistency or policy placement rate acceptable
to the Company. 

   

       

       

    

   

 52675
(05/09) 

   

 j.
AUTOMATIC TERMINATION.  Termination under this clause will not impair any contractual rights to commissions under the
terms of the SCHEDULE OF COMMISSIONS. This AGREEMENT will automatically be terminated as follows: 

 一   
when you die, file for bankruptcy, or give an assignment for the benefit of creditors, if you are an individual, 

 一   
upon the dissolution, bankruptcy, insolvency or assignment for the benefit of creditors, if you are a partnership or corporation,

 一   
upon the death of one or more partners, if you are a partnership, 

 一   
upon your failure to acquire or continuously maintain all licenses required by law, 

 一   
upon the termination of the Agent Agreement of your General Agent or Independent Marketing Organization, 

 一             
k. TERMINATION FOR CAUSE. This AGREEMENT may be terminated for cause as follows, if you: 

 一             
1. withhold any funds, commissions, overrides or any other compensation payable that rightfully should have been transmitted to
an agent of the Company, 

 一             
2. withhold any premium, receipts, documents, correspondence, or any other funds that rightfully should have been transmitted
to the Company, 

 一             
3. fail to promptly return any property belonging to us when requested to do so, 

 一             
4. have a final judgment of felony conviction involving dishonesty or breach of trust, or any offense under Title 18 U.S. Code,
Sec.1033, 

 一             
5. hold a license that is revoked or suspended in any state or jurisdiction, 

 一             
6. have a required bond refused or cancelled, 

 一             
7. misrepresent any of our products or services, 

 一             
8. misrepresent or omit any material information on an application for, or reinstatement of, our policy, 

 一             
9. commit or attempt to commit fraud, against us or a policyholder, 

 一             
10. fail to comply with material terms of this AGREEMENT, or our stated rules and regulations, cause or attempt to cause employees
or agents of ours to discontinue their association with us, 

 一             
11. cause or attempt to cause any policyholder of the Company to discontinue any policy, or discontinue contributions to any annuity
contract, or 

 一             
12. falsify or alter material information provided to us, or fail to provide any material information to us upon request. 

   

 Upon
termination for cause, you will have no further rights under this AGREEMENT to any commissions, commission overrides or other
compensation otherwise payable under the terms of this AGREEMENT and the SCHEDULE OF COMMISSIONS. A termination for cause will
be effective upon your conviction of a felony or any crime under Title 18 U.S. Code, Sec. 1033, or revocation of your license
to sell insurance, or upon the Company sending you a written notice of termination which specifies one or more of the above reasons
for termination for cause. 

 l.
FINAL ACCOUNTING, PAYMENT OBLIGATIONS AND RECOVERY RIGHTS. 

 一   
Upon termination of the Agent Agreement of any of your agents for cause or without cause, the entire amount of all monies due
from such terminated agents, will be immediately due and payable on demand, and you will be responsible for repayment of such
debt in full. Such responsibility will include the indebtedness of all agents that you receive an override on, recruit to solicit
policies on behalf of the Company, or where you have guaranteed the indebtedness. 

 一   
Upon termination of this AGREEMENT for any reason, the entire amount of all monies due from you, and any and all of your agents,
will be immediately due and payable on demand, and you are responsible for assuring that the debt is repaid in full. This does
not waive the Company’s right to request payment on demand of any indebtedness, at any time, that is due and payable to
the Company. 

 一   
You have the right to recover from your agents amounts owed to you by your agents under the terms of this AGREEMENT, together
with interest, all costs of collection, and attorney’s fees. 

 一             
m. NON-WAIVER. Forbearance by either party to insist upon the performance of any provisions of this AGREEMENT, at any time,
or under any circumstances, will not constitute a waiver of the right to demand performance at any future time. 

   

 5.
GENERAL PROVISIONS 

   

 a.
This AGREEMENT is governed by the laws of the State of Texas. The parties hereby submit to the jurisdiction of, and waive any
venue objections against, the United States District Court for the Northern District of Texas and the trial courts of the State
of Texas and consent to the personal jurisdiction of such courts for purposes of this agreement. This AGREEMENT, together with
the Agent/Agency Application contemporaneously submitted to the Company and the attached SCHEDULE OF COMMISSIONS and the ADDENDUM(S)
applicable to this AGREEMENT, constitute the entire agreement of the parties, will be effective on the date accepted by the Company
and will supersede any prior agreements, and may only be modified in writing. 

 b.
A writing, notice, consent and/or approval wherever required in this Agreement may be on paper or via electronic means and shall
be delivered to the address last given by a Party to the other Party. Each of the Parties expressly consents to electronic notice
and approval in any form received and acknowledged by a reply.

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