Alliance Benefit Group Licensees

 An Alliance Benefit Group Licensee will not knowingly direct market its services to the clients of any other Alliance Benefit Group 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 Alliance Benefit Group 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 Alliance Benefit Group Licensee.

 An Alliance Benefit Group Licensee is obligated to notify any other Alliance Benefit Group 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 Alliance Benefit Group Licensee and express a desire to work directly with such Licensee, it is the obligation of that Alliance Benefit Group Licensee to notify the outside advisor that he has a client in jeopardy.