Brokers Alliance, Inc. MyAdvisorRetirement User Agreement

By agreeing to the MyAdvisorRetirement User Agreement relating to the access to MyAdvisorRetirement Intellectual Property, Life Insurance and Annuity Production, Carrier Contracts and Non-Competition (the "Agreement"), the undersigned licensed insurance producer ("Producer"), for himself or herself and for any agency through which the Producer does business, represents, warrants, acknowledges and agrees as follows:

I. Production

i. MyAdvisorRetirement will be made available at no monthly charge as long as the Producer settles a majority (51% or more) of the Producer's total Index Universal Life target premium through Brokers Alliance, Inc. every calendar quarter. "Total Index Universal Life target premium" means all first-year target premium on Index Universal Life policies written on the Producer's personal production in the quarter, through any carrier, marketing organization or direct appointment; "settles through Brokers Alliance, Inc." means placed and paid through a carrier contract held under Brokers Alliance, Inc.'s hierarchy. Annuity production is welcome and is reported in the Producer's quarterly update but does not count toward this requirement.

ii. New business must be submitted within 30 days of enrollment in the MyAdvisorRetirement program.

iii. Submitted business within the first 90 days of enrollment must show the Producer is on pace to meet the quarterly requirement in (I.i).

iv. If the requirement in (I.i) is not met at the end of six months from the time of enrollment, Brokers Alliance, Inc. may terminate the Producer from the MyAdvisorRetirement program upon written notice. The Producer may re-enroll with the written consent of Brokers Alliance, Inc.

v. Production is evaluated on a calendar quarterly basis against the carrier commission statements Brokers Alliance, Inc. receives. The Producer will receive an update from Brokers Alliance, Inc. by email, and by phone call where the update reports a shortfall, within 30 days after each quarter ends.

II. Required Carrier Contracts

i. The Producer is required to contract with the carrier(s) indicated in writing by the Producer's Brokers Alliance, Inc. Agent Relationship Manager at enrollment. Brokers Alliance, Inc. may request additional carrier contracts, in writing, where the Producer's clients need a product those carriers offer.

ii. Dual contracting will not be permitted for the carriers named under (II.i): the Producer holds the appointment with each of them through Brokers Alliance, Inc. only. Where the Producer holds an existing appointment with such a carrier through another organization, the Producer requests its release or cancellation and submits the confirmation to Brokers Alliance, Inc.

iii. Proof of the contract release request under (II.ii) must be submitted to Brokers Alliance, Inc. within 30 days of enrollment or of the written request under (II.i). Where a carrier declines or delays the release, the Producer tells Brokers Alliance, Inc. in writing and the parties agree a date; the delay is not a breach of this Agreement.

III. Non-Compete

i. Production from the required carrier contracts must be submitted to Brokers Alliance, Inc. when the sale results from the Producer's marketing with, or use of, MyAdvisorRetirement materials (including under the former names RetirementBrain and The Retirement ACE) or another Brokers Alliance, Inc. marketing brand named to the Producer in writing, with that client. This obligation applies during the Producer's enrollment and for 24 months after the Producer's last use of MyAdvisorRetirement materials, and only to sales that result from that use.

ii. Use of MyAdvisorRetirement intellectual property, including but not limited to sales tools, calculators, fact finders, needs analysis tools, agent training videos, consumer videos, customized presentations and seminars, is not permitted for sales outside of Brokers Alliance, Inc.

iii. A material breach of this Agreement by the Producer entitles Brokers Alliance, Inc. to terminate it upon written notice and to recover the actual damages the breach caused, including the compensation Brokers Alliance, Inc. would have received on business the Producer placed elsewhere in breach of (III.i). Commissions already earned and paid to the Producer on business properly submitted through Brokers Alliance, Inc. are not recoverable under this section.

iv. Brokers Alliance, Inc. may amend this Agreement by publishing the amended version and giving the Producer written notice at least 30 days before the amendment takes effect. A Producer who does not agree to an amendment may end enrollment by written notice before that date, and the earlier terms govern the business submitted before the end of enrollment. Continued use of MyAdvisorRetirement after the effective date of an amendment is acceptance of it.

IV. Definitions, Former Names and Prior Agreements

i. "MyAdvisorRetirement" means the retirement planning sales system, software, calculators, fact finders, needs analysis tools, training videos, consumer videos, customized presentations, seminars and related materials made available by Brokers Alliance, Inc. under that name, together with the same materials made available before the effective date of this Agreement under the name RetirementBrain. "MyAdvisorRetirement Intellectual Property" means all of the foregoing and the copyrights, trade secrets and trademarks of Brokers Alliance, Inc. in them, under each of those names, to the extent Brokers Alliance, Inc. owns or has licensed them.

ii. "The MyAdvisorRetirement program" means the producer program described in this Agreement, formerly called The Retirement ACE. A Producer enrolled in The Retirement ACE before the effective date of this Agreement is enrolled in the MyAdvisorRetirement program with the same enrollment date.

iii. Prior agreements. A RetirementBrain User Agreement signed before the effective date of this Agreement remains in force on its own terms until the Producer accepts this version; the change of the product's name is not an amendment of that agreement, and a reference in it to RetirementBrain, the RetirementBrain program, RetirementBrain Intellectual Property or The Retirement ACE identifies the same materials and program under their new names. The written notice of this version that Brokers Alliance, Inc. sends to each such Producer is the written notification of changes that Section III.iv of the earlier agreement provides for. The Producer is asked to accept this version at the next sign-in; on acceptance this version supersedes the earlier agreement, and the Producer's enrollment date and production history continue without interruption.

iv. Marks. MYADVISORRETIREMENT (United States trademark application pending) and RETIREMENTBRAIN, a name Brokers Alliance, Inc. has used for this product since its launch and claims as an unregistered mark, and the related logos, are trademarks of Brokers Alliance, Inc. No right to use them is granted by this Agreement beyond the use of the MyAdvisorRetirement materials for sales submitted through Brokers Alliance, Inc. as Section III provides. LIFEBRAIN and the LifeBrain marks belong to InstaBrain, Inc. and are not part of MyAdvisorRetirement.

V. Acceptance and Version

i. This is version 2 of the agreement, effective on the date stated below. It replaces the RetirementBrain User Agreement last revised in June 2020 for every Producer who accepts it; a Producer who has not yet accepted it remains bound by the earlier agreement as Section IV.iii provides.

ii. The Producer accepts this Agreement by signing it, or by clicking to accept it where the full text is presented at sign-up or sign-in to MyAdvisorRetirement and the Producer separately confirms having read Sections I.i (the production requirement), III.i (the non-compete) and III.iii (remedies). Brokers Alliance, Inc. keeps a record of each acceptance with its version, date, the Producer's identity and the method of acceptance, and gives the Producer a copy on request.

VI. The Software, Quotes and Professional Responsibility

i. MyAdvisorRetirement is a sales and planning tool for licensed insurance producers. It does not provide legal, tax, investment or insurance advice, and nothing it produces is a recommendation by Brokers Alliance, Inc. to any consumer.

ii. Carrier rates, product features, illustrations and underwriting guidelines shown in MyAdvisorRetirement come from the carriers and change without notice. No output of MyAdvisorRetirement is an offer of coverage, a guarantee of premium or eligibility, or a carrier-approved illustration. Before presenting any output to a consumer the Producer verifies it against the carrier's current rates or illustration system, and the Producer alone is responsible for the suitability of any recommendation, for the accuracy of what is presented, and for compliance with the insurance laws of each state in which the Producer acts.

iii. MyAdvisorRetirement is provided as is. Brokers Alliance, Inc. makes no warranty of accuracy, completeness, availability or fitness for a purpose, and its aggregate liability to the Producer under this Agreement is limited to one thousand U.S. dollars (US $1,000), except for liability arising from its gross negligence or willful misconduct. Brokers Alliance, Inc. is not liable for indirect, special or consequential damages. The Producer indemnifies Brokers Alliance, Inc. against claims that arise from the Producer's use of MyAdvisorRetirement outputs with consumers in breach of this Section.

iv. Access to MyAdvisorRetirement ends with the Producer's enrollment. For 30 days after that the Producer may export the Producer's own client records from the system; Brokers Alliance, Inc. may delete them after that period, except what the law requires it to keep.

VII. Privacy and Consumer Information

i. The Producer enters consumer information into MyAdvisorRetirement under the laws that govern the Producer, including the Gramm-Leach-Bliley Act, HIPAA where it applies, state insurance privacy rules and state privacy statutes, with the consumer's authorization to enter it and to have it transmitted to the carriers and other parties involved in a quote or an application. MyAdvisorRetirement is not directed to children under 13 and no account may be opened or used by anyone under 18; information about a minor may be entered only to quote or apply for coverage on that minor's life at the request of a parent or guardian.

ii. Brokers Alliance, Inc. processes the consumer information the Producer enters only to provide MyAdvisorRetirement and as the Producer directs, does not sell it, does not share it for cross-context behavioral advertising, and handles it as described in the MyAdvisorRetirement Privacy Policy published at https://myadvisorretirement.ai/privacy, which is part of this Agreement. Brokers Alliance, Inc. forwards to the Producer within five business days any request it receives from a consumer about information the Producer entered, assists the Producer in answering it within the time the law allows, and notifies the Producer without unreasonable delay of any security incident affecting that information.

VIII. Governing Law, Disputes and General Terms

i. This Agreement is governed by the laws of the State of Arizona without regard to its conflict-of-laws rules. The parties submit to the exclusive jurisdiction of the state and federal courts located in Maricopa County, Arizona, for any dispute arising from this Agreement or the Producer's use of MyAdvisorRetirement; the parties have not agreed to arbitrate. Either party may seek equitable relief from a court of competent jurisdiction to prevent a breach of Section III.

ii. This Agreement, with the documents it incorporates, is the entire agreement between the parties about MyAdvisorRetirement and does not change the Producer's carrier contracts or the Producer's separate agreements with Brokers Alliance, Inc. If a provision is held unenforceable it is read as narrowly as needed and the rest stands. Sections III, IV, VI, VII and VIII survive the end of enrollment. Notices to the Producer go to the e-mail address of the Producer's account; notices to Brokers Alliance, Inc. go to Brokers Alliance, Inc., P.O. Box 17634, Fountain Hills, AZ 85269, or by e-mail at support@myadvisorretirement.ai (the address stated at https://myadvisorretirement.ai/terms).

Effective date: 10-21-26 (the RetirementBrain cutover day)

Version: 2 (2026-10-17.2)