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 Alliance Benefit Group® Licensees

An Alliance Benefit Group® Licensee will not knowingly direct market its services to the clients of any other ABG®Licensee without such Licensee's express permissions.

An Alliance Benefit Group®  Licensee will not provide a quote or bid for services either directly or through an outside advisor for the client of any other ABG®  Licensee without such Licensee's express permission.

Alliance Benefit Group® Licensees may openly compete for the business of any prospect which is not  currently a client of any ABG®  Licensee.

An Alliance Benefit Group®  Licensee is obligated to notify any other ABG®  Licensee whose client it has learned is in jeopardy.

Outside Advisors

An  Alliance Benefit Group®  Licensee will not directly market its services to a current client brought to it by an outside advisor without such advisor's express permission.

Should a current client brought to an Alliance Benefit Group®  Licensee by an outside advisor contact the ABG®  Licensee and express a desire to work directly with such Licensee, it is the obligation of that ABG® Licensee to notify the outside advisor that he has a client in jeopardy.