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LEGACY LIFE FINANCIAL GROUP — NON-DISCLOSURE & NON-SOLICITATION AGREEMENT

This Non-Disclosure and Non-Solicitation Agreement ("Agreement") is entered into as of the date signed below, by and between Legacy Life Financial Group, LLC ("LLFG" or "the Company") and the undersigned independent agent ("Agent").

1. Confidential Information

Agent acknowledges that during the course of their relationship with LLFG, they will have access to confidential and proprietary information, including but not limited to:

1. Client leads, prospect lists, and customer data (names, contact information, policy details, financial information)
2. Proprietary sales processes, scripts, training materials, and methodologies
3. Commission structures, compensation plans, override schedules, and bonus programs
4. Internal business systems, CRM data, portal access credentials, and technology platforms
5. Team structures, agent rosters, hierarchy data, and organizational information
6. Marketing strategies, carrier relationships, and partnership agreements
7. Financial records, production reports, and internal performance metrics

2. Non-Disclosure Obligations

Agent agrees to hold all Confidential Information in strict confidence and shall not, without prior written consent of LLFG:

1. Disclose any Confidential Information to any third party
2. Use any Confidential Information for any purpose other than performing duties for LLFG
3. Copy, reproduce, or distribute any Confidential Information
4. Remove or transfer any Confidential Information from LLFG systems upon departure

3. Non-Solicitation of Agents

For a period of twenty-four (24) months following the termination of Agent's relationship with LLFG, for any reason, Agent shall not directly or indirectly:

1. Solicit, recruit, or attempt to recruit any current LLFG agent, manager, executive, or independent contractor to leave LLFG or join another organization
2. Encourage, induce, or facilitate the departure of any LLFG team member
3. Hire or engage any individual who was an LLFG agent within the 12 months preceding Agent's departure
4. Contact LLFG agents for the purpose of offering competing business opportunities

4. Non-Solicitation of Clients

For a period of twenty-four (24) months following departure, Agent shall not:

1. Solicit, contact, or service any client whose relationship originated through LLFG
2. Use LLFG client data to generate business for any competing organization
3. Interfere with any existing LLFG client relationships

5. Regulatory Compliance

Agent agrees to comply with all applicable federal, state, and local laws, regulations, and licensing requirements, including insurance licensing regulations, anti-fraud statutes, privacy laws, and all carrier compliance guidelines.

6. Return of Materials

Upon termination, Agent shall immediately return all LLFG property, including documents, electronic files, portal credentials, marketing materials, and any copies thereof.

7. Remedies

Agent acknowledges that a breach would cause irreparable harm. LLFG shall be entitled to seek injunctive relief, specific performance, and monetary damages, including reasonable attorney's fees and legal costs.

8. Survival

The obligations set forth in this Agreement shall survive termination for the applicable periods specified herein.

LEGACY LIFE FINANCIAL GROUP — DEBT ROLLUP & FINANCIAL RESPONSIBILITY AGREEMENT

This Debt Rollup and Financial Responsibility Agreement ("Agreement") is entered into as of the date signed below, by and between Legacy Life Financial Group, LLC ("LLFG") and the undersigned independent agent ("Agent").

1. Chargeback Responsibility

Agent acknowledges and agrees that they are personally responsible for all chargebacks resulting from policies written by Agent that lapse, cancel, or are returned within the applicable chargeback window (typically 9-12 months, as determined by each carrier). When an advanced commission is paid on a policy that subsequently lapses, the corresponding chargeback amount becomes a debt owed by the Agent to LLFG.

2. Debt Rollup Mechanism

Any unpaid chargeback balances will be aggregated into a "Debt Rollup" balance. This balance:

1. Accrues from the date of each individual chargeback
2. Will be deducted from future commission payments until fully repaid
3. Must be repaid in full before any commission advances are resumed
4. Carries forward across commission periods until resolved
5. Commission levels may decrease up to a maximum of 10% from the agent's highest production month if current monthly production declines

3. Team-Level Debt Responsibility

For Agents holding a Manager role or above, the Debt Rollup balance may include chargebacks attributed to their downline agents when those agents are unable to cover their own chargeback obligations. The upline Manager's override commissions will be applied to cover any shortfall.

4. Obligation Upon Departure

Agent must resolve all outstanding Debt Rollup balances in full prior to or upon termination of their relationship with LLFG. Specifically:

1. All outstanding chargeback debt must be paid in full before the Agent's final separation from LLFG
2. LLFG reserves the right to withhold any final commission payments to offset outstanding debt
3. If outstanding debt exceeds final commission payments, Agent agrees to remit the remaining balance within thirty (30) days of departure

5. Legal Repercussions for Unpaid Debt

Failure to satisfy outstanding Debt Rollup obligations will result in legal action. Agent acknowledges and agrees that:

1. LLFG may pursue civil litigation to recover all unpaid debt balances
2. Agent will be responsible for the full debt amount plus all reasonable attorney's fees, court costs, collection costs, and related legal expenses incurred by LLFG
3. LLFG may report unpaid debts to collections agencies and credit bureaus
4. Interest may accrue on unpaid balances at the maximum rate permitted by applicable law
5. Agent waives any right to contest the validity of the debt arising from verified chargebacks

6. Acknowledgment of Financial Risk

Agent acknowledges that the insurance business involves inherent financial risk, including the possibility of policy lapses and resulting chargebacks. Agent accepts this risk and agrees to manage their book of business responsibly to minimize chargeback exposure.

7. Governing Law

This Agreement shall be governed by the laws of the state in which the Agent is primarily licensed. Any disputes shall be resolved through binding arbitration or in the appropriate court of jurisdiction.