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PRIVACY POLICY — PROVENANT LIFE — EFFECTIVE DATE: JANUARY 1, 2026 — VERSION 1.0 — THIS PRIVACY POLICY CONSTITUTES A BINDING LEGAL AGREEMENT BETWEEN YOU AND PROVENANT LIFE GOVERNING THE COLLECTION, USE, STORAGE, DISCLOSURE, AND TRANSFER OF YOUR PERSONAL INFORMATION IN CONNECTION WITH YOUR USE OF THIS WEBSITE AND YOUR PARTICIPATION IN THE AGENT RECRUITING AND ONBOARDING PROCESS. BY ACCESSING OR USING THIS WEBSITE, SUBMITTING AN APPLICATION, OR OTHERWISE PROVIDING PERSONAL INFORMATION TO PROVENANT LIFE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS PRIVACY POLICY IN ITS ENTIRETY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, DO NOT ACCESS OR USE THIS WEBSITE OR SUBMIT ANY INFORMATION THROUGH ANY FORM OR CHANNEL ASSOCIATED WITH PROVENANT LIFE.

ARTICLE I — IDENTIFICATION OF DATA CONTROLLER AND SCOPE OF POLICY. 1.01 Identity of Data Controller. This website is operated by Provenant Life, a life insurance brokerage licensed to operate in the United States of America. References to "Provenant Life," "we," "us," or "our" throughout this Privacy Policy refer collectively to Provenant Life and its principals and managing agents. 1.02 Scope of Policy. This Privacy Policy applies to all Personal Information collected by Provenant Life through (a) this website and any web forms hosted thereon or linked therefrom; (b) email, text message, telephone, video call, or other electronic communications initiated by or with prospective or active agents; (c) third-party recruiting platforms, job boards, social media platforms, and referral sources through which prospective agents may submit applications or inquiries; (d) the agent onboarding, licensing, contracting, and appointment process; and (e) ongoing communications with contracted agents related to training, production, leads, compliance, and agency operations. 1.03 Definitions. As used in this Privacy Policy, the following terms have the meanings set forth below. "Personal Information" means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual. "Applicant" means any person who submits an application, inquiry, or other personal information through any channel operated by or associated with Provenant Life. "Agent" means any person who has entered into a written agency agreement with Provenant Life or who has been contracted as a result of an introduction by Provenant Life. "Carrier Partners" means licensed insurance carriers with whom Provenant Life agents may be appointed, including but not limited to American Amicable Life Insurance Company, Mutual of Omaha Insurance Company, Foresters Financial, American International Group, Inc. (AIG), Transamerica Life Insurance Company, SBLI USA Life Insurance Company, Inc., Liberty Bankers Life Insurance Company, and such additional carriers as may be added to our platform from time to time. "Processing" means any operation or set of operations performed on Personal Information, whether or not by automated means, including collection, recording, organization, structuring, storage, adaptation, alteration, retrieval, consultation, use, disclosure by transmission, dissemination, or otherwise making available, alignment, combination, restriction, erasure, or destruction. "Website" means the Provenant Life recruiting and informational website accessible via the applicable URL, including all pages, forms, embedded tools, and linked resources.

ARTICLE II — CATEGORIES OF PERSONAL INFORMATION COLLECTED. 2.01 Information Provided by Applicants and Agents. Provenant Life collects Personal Information that you voluntarily provide when you complete or submit any application, inquiry, onboarding form, or other submission through our Website or any associated platform. Such information may include, without limitation: (a) Full legal name, including any prior names or aliases used in professional or licensing contexts; (b) Current residential address, including street address, city, state, zip code, and county; (c) Email address, including both primary and secondary email addresses provided for business and personal use; (d) Telephone numbers, including mobile, home, and business phone numbers; (e) Date of birth and, where required for licensing or contracting purposes, Social Security Number or Individual Taxpayer Identification Number; (f) Current and prior employment history, including employer names, positions held, dates of employment, and reasons for separation; (g) Current insurance license status, including states of licensure, license numbers, license types, continuing education status, and appointment history; (h) Errors and Omissions (E&O) insurance coverage information, including carrier, policy number, coverage limits, and expiration date; (i) FINRA registration history, including any current or prior registrations, Series license numbers, and associated broker-dealer affiliations; (j) Regulatory action history, including any complaints, investigations, consent orders, license suspensions or revocations, fines, or other regulatory actions by any state insurance department, FINRA, the SEC, or any other regulatory body; (k) Bankruptcy history, including any prior or pending personal or business bankruptcy filings; (l) Criminal history, including any convictions, deferred adjudications, or pending criminal proceedings; (m) Social media profile links and handles, including LinkedIn, Facebook, Instagram, Twitter/X, and any other platforms used in a professional capacity; (n) Professional references, including names, contact information, and relationships; (o) Referral source information, including how you learned about Provenant Life; (p) Banking information, including the name of your financial institution, account type, routing number, and account number, where required for commission payment setup; (q) National Producer Number (NPN) assigned by the National Insurance Producer Registry (NIPR); (r) Contract and compensation preferences; and (s) Any other information you voluntarily provide in the course of your application, onboarding, or agency relationship. 2.02 Information Collected Automatically. When you access or use our Website, we may automatically collect certain technical and behavioral information, including without limitation: (a) Internet Protocol (IP) address; (b) Browser type, version, and language settings; (c) Operating system and device type; (d) Referring and exit URLs; (e) Pages viewed, features accessed, and time spent on each page; (f) Date and time of access; (g) Search terms entered into any search functionality on the Website; and (h) Clickstream data and interaction patterns. 2.03 Information from Third-Party Sources. Provenant Life may supplement the Personal Information you provide with information obtained from third-party sources, including without limitation: (a) Background check providers and consumer reporting agencies, subject to applicable law including the Fair Credit Reporting Act ("FCRA"); (b) State insurance department databases and license verification services, including the NIPR database; (c) FINRA BrokerCheck; (d) Court records databases; (e) Social media platforms and professional networking sites; (f) Job boards and recruiting platforms through which you may have submitted an application; and (g) Referral sources who have provided your contact information to Provenant Life.

ARTICLE III — PURPOSES AND LEGAL BASIS FOR PROCESSING. 3.01 Primary Purposes. Provenant Life processes your Personal Information for the following primary purposes: (a) To receive, review, and evaluate your application for participation as an agent in the Provenant Life agency; (b) To communicate with you regarding your application status, scheduling, and next steps in the onboarding process; (c) To conduct background verification, license verification, and regulatory history review as part of the contracting and appointment process; (d) To facilitate your contracting and appointment with Carrier Partners; (e) To provision your access to the our CRM, training platform, lead systems, and other tools made available to contracted agents; (f) To provide you with training materials, scripts, product information, carrier updates, and other operational resources; (g) To administer the lead programs available to contracted agents, including tracking lead orders, costs, and credits; (h) To calculate, process, and pay commissions and bonuses in accordance with your agency agreement; (i) To maintain records required by applicable insurance regulations, including state insurance department requirements for agent records; (j) To respond to your inquiries, questions, and requests; (k) To verify your ongoing compliance with licensing, E&O, and continuing education requirements; and (l) To contact you regarding changes to our programs, carriers, compensation, or policies. 3.02 Secondary Purposes. Provenant Life may also process your Personal Information for the following secondary purposes: (a) To improve our recruiting processes, onboarding materials, training programs, and agency operations; (b) To analyze production data and trends for business planning purposes; (c) To comply with applicable laws, regulations, and legal processes; (d) To investigate and respond to complaints, disputes, or regulatory inquiries; (e) To protect the rights, property, and safety of Provenant Life, Carrier Partners, clients, and the public; and (f) To enforce our agency agreements and other contractual obligations.

ARTICLE IV — DISCLOSURE OF PERSONAL INFORMATION. 4.01 Disclosure for Operations. Provenant Life shares your Personal Information internally and with service providers as necessary to facilitate your contracting with Carrier Partners, provision platform access, conduct compliance reviews, and support agency operations. 4.02 Disclosure to Carrier Partners. If your application proceeds to the contracting stage, Provenant Life will share your Personal Information with Carrier Partners as required for licensing, appointment, and compliance purposes. Each Carrier Partner has its own background check, licensing verification, and appointment procedures, and receipt of your information does not guarantee appointment. Carrier Partners are independently responsible for their own privacy practices with respect to information they receive. 4.03 Disclosure to Background Check and Verification Providers. Provenant Life uses third-party background check providers and verification services to conduct the checks described in Section 2.03. These providers are authorized to use your Personal Information solely for the purpose of conducting the requested checks and are prohibited from using it for any other purpose. If background checks are conducted pursuant to the FCRA, you will receive separate notice and authorization forms as required by law. 4.04 Disclosure to Service Providers. Provenant Life may share your Personal Information with third-party service providers who assist us in operating our Website, delivering communications, processing payments, managing our CRM and technology infrastructure, and performing other business functions. Such service providers are authorized to use your Personal Information solely to perform the services contracted for and are prohibited from using it for any other purpose. Current categories of service providers include: (a) Email delivery and marketing automation platforms; (b) Scheduling and calendar management tools; (c) CRM and database management systems; (d) Document management and e-signature platforms; (e) Video conferencing and communication tools; (f) Payment processing and banking services; and (g) Website hosting and analytics providers. 4.05 Disclosure for Legal Compliance. Provenant Life may disclose your Personal Information as required by applicable law, regulation, or legal process, including in response to: (a) Subpoenas, court orders, or other legal process; (b) Requests from state insurance departments, the National Association of Insurance Commissioners (NAIC), FINRA, the SEC, the FTC, or other regulatory bodies; (c) Law enforcement requests made pursuant to applicable legal authority; and (d) Requirements under applicable state or federal insurance regulations governing the retention and disclosure of agent records. 4.06 Business Transfers. In the event of a merger, acquisition, consolidation, restructuring, sale of all or a portion of our assets, or other business transfer, your Personal Information may be transferred as part of such transaction. We will notify you of any such transfer and any material changes to this Privacy Policy that may result. 4.07 Consent-Based Disclosures. Provenant Life may disclose your Personal Information to third parties with your prior consent, which may be obtained through your agency agreement, a separate consent form, or an opt-in mechanism presented at the time of collection.

ARTICLE V — RETENTION OF PERSONAL INFORMATION. 5.01 General Retention Principles. Provenant Life retains your Personal Information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, enforce agreements, and protect our legitimate business interests. The appropriate retention period is determined by the nature of the information, the purpose for which it was collected, and applicable legal requirements. 5.02 Applicant Records. Personal Information collected from Applicants who do not proceed to contracting will be retained for a minimum of three (3) years from the date of application, or such longer period as may be required by applicable state insurance department regulations or other applicable law. We retain this information to maintain accurate historical records, comply with regulatory requirements, and avoid duplicate applications or solicitations. 5.03 Agent Records. Personal Information relating to contracted Agents will be retained for a minimum of seven (7) years following the termination of the agency relationship, or such longer period as may be required by applicable state insurance department regulations governing the retention of agent records. Certain records, including contracting documentation, appointment records, and commission histories, may be retained for longer periods as required by specific carrier or regulatory requirements. 5.04 Background Check Records. Background check results and related documentation are retained in accordance with applicable FCRA requirements and state law, typically for a minimum of seven (7) years. 5.05 Secure Destruction. Personal Information that is no longer needed for the purposes described in this Privacy Policy and that is not subject to a legal retention requirement will be securely destroyed or anonymized in accordance with industry-standard data security practices.

ARTICLE VI — COOKIES, TRACKING TECHNOLOGIES, AND ANALYTICS. 6.01 Cookies. Our Website uses cookies and similar tracking technologies to enhance your browsing experience, analyze Website traffic, and understand how visitors interact with our content. Cookies are small text files stored on your device by your browser. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until they expire or are deleted). 6.02 Types of Cookies. The cookies we use include: (a) Strictly necessary cookies, which are required for the operation of our Website and cannot be disabled; (b) Analytical and performance cookies, which allow us to count visits and traffic sources so we can measure and improve Website performance; (c) Functional cookies, which enable enhanced functionality and personalization; and (d) Targeting or advertising cookies, which may be set through our Website by third-party advertising partners. 6.03 Third-Party Analytics. We use third-party analytics services to help us understand Website traffic and usage patterns. These services may use cookies and similar technologies to collect information about your use of our Website. This information may be transmitted to and stored on servers in the United States or other countries. 6.04 Managing Cookies. You can manage your cookie preferences through your browser settings. Most browsers allow you to refuse cookies, delete existing cookies, and be notified when cookies are set. Please note that disabling certain cookies may affect the functionality of our Website. 6.05 Do Not Track. Some browsers include a Do Not Track ("DNT") feature that signals to websites that you do not wish to have your online activity tracked. Our Website does not currently respond to DNT signals, as there is no industry-wide standard for DNT compliance.

ARTICLE VII — DATA SECURITY. 7.01 Security Measures. Provenant Life implements and maintains administrative, technical, and physical security measures designed to protect your Personal Information from unauthorized access, disclosure, alteration, or destruction. These measures include, without limitation: (a) Encryption of data in transit using industry-standard protocols; (b) Access controls limiting access to Personal Information to personnel who need such access to perform their job functions; (c) Regular review and updating of security policies and procedures; (d) Employee training on data privacy and security practices; and (e) Third-party security assessments and penetration testing as appropriate. 7.02 No Absolute Security. No method of data transmission over the Internet or method of electronic storage is completely secure. While we strive to implement commercially reasonable security measures, we cannot guarantee the absolute security of your Personal Information. You should take precautions to protect the security of information you transmit to us, including not sharing login credentials and using secure network connections. 7.03 Breach Notification. In the event of a security breach that affects your Personal Information and triggers notification obligations under applicable state data breach notification law, we will notify you and applicable regulatory authorities in accordance with such law.

ARTICLE VIII — YOUR RIGHTS AND CHOICES. 8.01 State Privacy Rights. Depending on your state of residence, you may have certain rights regarding your Personal Information under applicable state privacy law. These rights may include the right to: (a) Know what Personal Information we have collected about you; (b) Request access to your Personal Information; (c) Request correction of inaccurate Personal Information; (d) Request deletion of your Personal Information, subject to applicable legal retention requirements; (e) Opt out of the sale or sharing of your Personal Information; (f) Non-discrimination for exercising your privacy rights; and (g) Receive a portable copy of your Personal Information in a readily usable format. 8.02 California Privacy Rights. If you are a California resident, you may have additional rights under the California Consumer Privacy Act ("CCPA") as amended by the California Privacy Rights Act ("CPRA"). Provenant Life does not sell your Personal Information as defined under the CCPA/CPRA. If you wish to exercise any CCPA/CPRA rights, please submit a request using the contact information in Article XII. 8.03 Other State Privacy Laws. Provenant Life acknowledges the existence of comprehensive privacy laws in various states, including but not limited to Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Texas (TDPSA), Florida (FDBR), and others that may be enacted. We are committed to honoring the rights of residents of those states to the extent applicable. 8.04 Marketing Opt-Out. You may opt out of receiving marketing communications from Provenant Life at any time by (a) following the unsubscribe instructions included in any marketing email you receive from us, or (b) submitting a written request to us using the contact information in Article XII. Please note that even if you opt out of marketing communications, we may continue to send you transactional, operational, and administrative communications related to your application or agency relationship. 8.05 Exercising Your Rights. To exercise any privacy right described in this Article, please submit a request using the contact information provided in Article XII. We will respond to verifiable requests within the timeframes required by applicable law, typically within forty-five (45) days of receipt. We may ask you to verify your identity before processing your request.

ARTICLE IX — CROSS-BORDER DATA TRANSFERS. 9.01 Transfer to the United States. Our Website is operated and our services are provided from the United States. If you are accessing our Website or submitting information from outside the United States, please be aware that your Personal Information will be transferred to, stored, and processed in the United States. By using our Website or submitting information to us, you consent to such transfer and acknowledge that the data protection laws of the United States may differ from those of your country of residence. 9.02 Canadian Applicants. If you are located in Canada and have submitted information to Provenant Life, you acknowledge that your Personal Information will be transferred to and processed in the United States. Provenant Life complies with the requirements of the Personal Information Protection and Electronic Documents Act ("PIPEDA") and applicable provincial privacy legislation, including the Personal Information Protection Act ("PIPA") in British Columbia and Alberta, to the extent applicable to cross-border data flows. 9.03 Adequacy and Safeguards. When transferring Personal Information across borders, Provenant Life implements appropriate safeguards consistent with applicable law.

ARTICLE X — CHILDREN'S PRIVACY. 10.01 Age Restriction. Our Website and services are intended exclusively for adults who are eligible to obtain and maintain insurance licenses in the United States. We do not knowingly collect, use, or disclose Personal Information from individuals under the age of eighteen (18). If you are under eighteen years of age, please do not access or use our Website or submit any information to us. 10.02 Inadvertent Collection. If we learn that we have inadvertently collected Personal Information from an individual under eighteen years of age, we will take prompt steps to delete such information from our records. If you believe we may have inadvertently collected information from a minor, please notify us using the contact information in Article XII.

ARTICLE XI — LINKS TO THIRD-PARTY WEBSITES AND SERVICES. 11.01 Third-Party Links. Our Website may contain links to third-party websites, platforms, and services, including but not limited to the our agent portal, TidyCal or similar scheduling tools, carrier websites, state insurance department websites, NIPR, FINRA BrokerCheck, and Xcel Solutions or similar prelicensing education providers. These links are provided for your convenience and do not constitute an endorsement or approval of such third-party sites or their content, products, or services. 11.02 No Responsibility for Third Parties. Provenant Life is not responsible for the privacy practices, security measures, data handling, or content of any third-party website or service. We encourage you to review the privacy policies and terms of use of any third-party sites you visit before providing any Personal Information.

ARTICLE XII — CONTACT INFORMATION AND REQUESTS. 12.01 How to Contact Us. If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please submit your inquiry through the application and contact form available on this Website. Please include your full name, the email address you used when submitting your application or inquiry, and a clear description of your question, concern, or request. We endeavor to respond to all privacy inquiries within thirty (30) calendar days. 12.02 Regulatory Complaints. Nothing in this Privacy Policy limits your right to file a complaint with any applicable privacy regulatory authority. In the United States, you may file privacy-related complaints with your applicable state Attorney General or with the Federal Trade Commission. Provenant Life encourages you to contact us directly in the first instance so that any concern may be investigated and, where appropriate, resolved before regulatory involvement.

ARTICLE XIII — UPDATES TO THIS PRIVACY POLICY. 13.01 Right to Modify. Provenant Life reserves the right to modify, amend, supplement, or restate this Privacy Policy at any time in its sole and absolute discretion. Modified versions of this Privacy Policy will be posted on our Website with an updated effective date. 13.02 Notice of Material Changes. If we make material changes to this Privacy Policy that affect how we collect, use, or disclose your Personal Information, we will provide notice of such changes through our Website or by email to the address on file for contracted Agents, where practicable. Your continued use of our Website or your continued participation as an Agent following the posting of a modified Privacy Policy constitutes your acceptance of the modified Privacy Policy. 13.03 Your Responsibility. It is your sole responsibility to review this Privacy Policy periodically for updates and to understand any changes that may affect you.

ARTICLE XIV — INSURANCE REGULATORY COMPLIANCE. 14.01 State Insurance Department Requirements. Provenant Life operates within the regulatory framework established by state insurance departments across the United States. The collection, use, and retention of agent Personal Information is subject to applicable state insurance regulations, including requirements governing background checks, licensing verification, appointment records, and the maintenance of agent files. This Privacy Policy is intended to be consistent with all applicable insurance regulatory requirements, and in the event of any conflict between this Privacy Policy and applicable insurance regulatory requirements, the applicable regulatory requirements shall control. 14.02 FCRA Compliance. To the extent that Provenant Life uses consumer reports or investigative consumer reports as defined under the Fair Credit Reporting Act ("FCRA") in connection with the evaluation of agent applications, Provenant Life complies with all applicable FCRA requirements, including the provision of required disclosures and authorization forms, the provision of adverse action notices where applicable, and the maintenance of procedures to ensure the accuracy and integrity of consumer report information. 14.03 GLBA Compliance. To the extent that Provenant Life is subject to the privacy provisions of the Gramm-Leach-Bliley Act ("GLBA") in connection with its operations as a life insurance brokerage, Provenant Life maintains policies and procedures designed to protect the security and confidentiality of nonpublic personal information in compliance with GLBA requirements and applicable state insurance privacy regulations implementing GLBA.

ARTICLE XV — MISCELLANEOUS PROVISIONS. 15.01 Severability. If any provision of this Privacy Policy is found to be unlawful, void, or for any reason unenforceable, that provision will be deemed severable from this Privacy Policy and will not affect the validity and enforceability of any remaining provisions. 15.02 Waiver. No failure or delay by Provenant Life in exercising any right or remedy under this Privacy Policy will operate as a waiver of such right or remedy. No single or partial exercise of any right or remedy will preclude any other or further exercise of such right or remedy or the exercise of any other right or remedy. 15.03 Entire Agreement. This Privacy Policy, together with our Terms of Use and any agency agreement you have entered into with Provenant Life, constitutes the entire agreement between you and Provenant Life with respect to the privacy of your Personal Information and supersedes all prior and contemporaneous agreements, representations, and understandings with respect to such subject matter. 15.04 Governing Law. This Privacy Policy is governed by and construed in accordance with the laws of the state in which Provenant Life is principally operated, without regard to its conflict of law provisions. 15.05 Contact. Provenant Life — Effective: January 1, 2026 — Version 1.0 — This Policy supersedes all prior versions — Submit all privacy inquiries through the Website contact form.

Provenant Life · Partner Agency of Effective: January 1, 2026 · Version 1.0 · This Policy supersedes all prior versions · Submit all privacy inquiries through the Website contact form.

TERMS OF USE — PROVENANT LIFE — EFFECTIVE DATE: JANUARY 1, 2026 — VERSION 1.0 — PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE ACCESSING OR USING THIS WEBSITE. BY ACCESSING OR USING THIS WEBSITE, SUBMITTING AN APPLICATION, INQUIRY, OR ANY OTHER INFORMATION, OR OTHERWISE ENGAGING WITH PROVENANT LIFE IN CONNECTION WITH YOUR INTEREST IN BECOMING A LICENSED INSURANCE AGENT, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE, OUR PRIVACY POLICY, AND ALL APPLICABLE AGENCY AGREEMENTS AND CARRIER CONTRACTS, EACH OF WHICH IS INCORPORATED HEREIN BY REFERENCE AND CONSTITUTES PART OF A BINDING LEGAL AGREEMENT BETWEEN YOU AND PROVENANT LIFE. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS OR USE THIS WEBSITE OR SUBMIT ANY INFORMATION TO PROVENANT LIFE.

ARTICLE I — ACCEPTANCE, MODIFICATION, AND INTERPRETATION. 1.01 Acceptance of Terms. By accessing, browsing, or using this Website in any manner, you irrevocably accept and agree to be bound by these Terms of Use. This acceptance is effective as of the first date on which you access or use this Website or submit any information to Provenant Life. 1.02 Modification of Terms. Provenant Life reserves the right to modify, amend, supplement, or restate these Terms of Use at any time in its sole and absolute discretion, without prior notice to you, except as may be required by applicable law. Modified Terms will be posted on this Website with an updated effective date. Your continued use of this Website following the posting of any modifications constitutes your irrevocable acceptance of the modified Terms. It is your sole responsibility to review these Terms periodically for changes. 1.03 Entire Agreement. These Terms of Use, together with our Privacy Policy and any agency agreement or carrier contract you enter into in connection with your participation as an agent, constitute the entire and exclusive agreement between you and Provenant Life with respect to your use of this Website and your engagement with our recruiting and onboarding process, and supersede all prior and contemporaneous agreements, representations, warranties, and understandings, whether written or oral, with respect to such subject matter. 1.04 Definitions. "Website" means the Provenant Life recruiting and informational website, including all pages, forms, embedded tools, and linked resources. "Company" means Provenant Life and its principals and managing agents. "Carrier Partners" means the licensed insurance carriers available for agent appointment, as described in these Terms and in separate carrier contracting materials. "Applicant" means any person who submits an application, inquiry, or other information through this Website or any associated channel. "Agent" means any person who has entered into a written agency agreement with Provenant Life and/or been contracted. "Lead Programs" means the paid lead and leads-at-cost programs described on this Website and in greater detail in separate program materials. "Independent Contractor" has the meaning ascribed to it in Article IV. 1.05 Interpretation. Headings are for convenience only and shall not affect the interpretation of these Terms. The use of "including" means including without limitation.

ARTICLE II — DESCRIPTION OF WEBSITE AND SERVICES. 2.01 Nature of Website. This Website is operated by Provenant Life for the purpose of informing prospective insurance agents about the opportunity to join Provenant Life as independent contractors, providing information about our lead programs, training systems, carrier access, and compensation structure, and facilitating the initial stages of the application and onboarding process. The Website is not intended to constitute an offer of employment or a guarantee of any particular income or business outcome. 2.02 Not Legal Advice. Nothing on this Website constitutes legal, tax, financial, compliance, or regulatory advice. All information provided on this Website regarding insurance licensing, carrier contracting, regulatory compliance, and compensation is for general informational purposes only. You are solely responsible for understanding and complying with all applicable insurance laws and regulations in your state(s) of licensure. Consult qualified legal, tax, and compliance professionals regarding your individual circumstances. 2.03 Not an Employment Offer. Nothing on this Website constitutes an offer of employment, a promise of employment, or a guarantee of any particular business arrangement. All agents who participate with Provenant Life do so as independent contractors pursuant to written agency agreements. Your submission of an application does not create any employment, agency, partnership, joint venture, or other legal relationship between you and Provenant Life until a written agency agreement has been fully executed by both parties. 2.04 Information Accuracy. Provenant Life makes reasonable efforts to ensure that the information on this Website is accurate and current. However, we make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any information on the Website. Compensation figures, income examples, and production statistics are provided for illustrative purposes only and do not constitute guarantees of specific results. Carrier availability, product portfolios, and commission structures are subject to change without notice. 2.05 Website Availability. Provenant Life does not guarantee that this Website will be available at all times or that access will be uninterrupted. We reserve the right to suspend, modify, or discontinue this Website or any portion thereof at any time without notice.

ARTICLE III — AUTHORIZED USE OF WEBSITE. 3.01 License to Use. Subject to your compliance with these Terms, Provenant Life grants you a limited, non-exclusive, non-transferable, revocable license to access and use this Website for the sole purpose of evaluating the opportunity to join Provenant Life as an independent contractor agent and, if applicable, submitting an application for such participation. 3.02 Prohibited Uses. You agree that you will not, and will not permit any third party to: (a) Use this Website for any purpose that is unlawful, deceptive, fraudulent, or harmful; (b) Submit false, misleading, or inaccurate information through any form or application on this Website; (c) Impersonate any person or entity, or falsely state or misrepresent your identity, qualifications, or affiliation with any person or entity; (d) Attempt to gain unauthorized access to any portion of this Website or any system, network, or database connected to this Website; (e) Use any automated means, including bots, scrapers, crawlers, or data mining tools, to access, collect, or extract information from this Website without our express written permission; (f) Introduce any virus, malware, ransomware, Trojan horse, or other harmful code or software to this Website or any connected system; (g) Interfere with or disrupt the integrity, performance, or operation of this Website or any connected system; (h) Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any software underlying this Website; (i) Use this Website to transmit any unsolicited commercial communications, spam, or chain letters; (j) Reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any content from this Website without our express written permission; (k) Remove, alter, or obscure any copyright, trademark, or other proprietary rights notices on this Website; (l) Use this Website to defame, harass, threaten, or intimidate any person or entity; (m) Use this Website in any manner that violates the rights of any third party, including intellectual property rights, privacy rights, or contractual rights; or (n) Use this Website to recruit agents for any agency other than Provenant Life, to solicit Provenant Life agents on behalf of any competing organization, or to misappropriate any proprietary information, scripts, training materials, or business processes of Provenant Life. 3.03 Monitoring. Provenant Life reserves the right, but is not obligated, to monitor your use of this Website and to investigate any suspected violation of these Terms. We reserve the right to take any action we deem appropriate in response to any actual or suspected violation, including blocking access to the Website.

ARTICLE IV — INDEPENDENT CONTRACTOR RELATIONSHIP. 4.01 Nature of Relationship. All agents who participate with Provenant Life do so as independent contractors, not as employees, partners, joint venturers, or agents of Provenant Life for any purpose other than as expressly set forth in the applicable agency agreement. Nothing in these Terms of Use, in any communication from Provenant Life, or on this Website creates or is intended to create an employer-employee relationship, a partnership, a joint venture, or any other business relationship between you and Provenant Life. 4.02 Independent Contractor Obligations. As an independent contractor, you are solely responsible for: (a) Obtaining, maintaining, and renewing all required insurance licenses in all states in which you conduct insurance activities, including payment of all associated fees; (b) Maintaining active Errors and Omissions (E&O) insurance coverage at levels required by your agency agreement and applicable carrier requirements; (c) Paying all applicable federal, state, and local taxes on income earned through your agency activities, including self-employment taxes; (d) Complying with all applicable state and federal insurance laws and regulations, including laws governing marketing, advertising, disclosure, suitability, and consumer protection; (e) Maintaining the confidentiality of client information in accordance with applicable privacy laws and insurance regulations; (f) Managing your own business expenses, including the costs of leads under the leads-at-cost program; and (g) Complying with all carrier requirements, guidelines, and contractual obligations applicable to your appointments. 4.03 No Exclusivity. Unless otherwise specified in a written agency agreement signed by both parties, your participation with Provenant Life does not preclude you from maintaining other insurance licenses or agency relationships, provided such relationships do not involve the use of Provenant Life or Provenant Life proprietary materials, client information, or carrier relationships in an unauthorized manner. 4.04 Book of Business Ownership. Subject to applicable carrier contracts, state regulations, and your agency agreement, agents retain ownership of the book of business they develop through properly contracted carriers. Provenant Life does not assert ownership over policies written by agents through their independently contracted carrier appointments, subject to any limitations or conditions set forth in the applicable agency agreement. Nothing in these Terms modifies or supersedes any provision of a signed agency agreement.

ARTICLE V — LEAD PROGRAMS. 5.01 General Description. Provenant Life offers two lead programs to contracted agents: (a) a paid lead program available to agents working the estate planning market, under which Provenant Life covers the cost of leads upfront as described in program materials; and (b) a leads-at-cost program available to agents working other markets, under which agents pay the actual cost of leads without markup. 5.02 Program Terms Subject to Change. The specific terms of the Lead Programs, including lead costs, geographic availability, lead types, exclusivity, sharing arrangements, and quality standards, are described in separate program materials provided during the onboarding process and are subject to change at any time without prior notice. Information about Lead Programs on this Website is for general informational purposes only and does not constitute a binding commitment regarding specific lead terms, availability, or quality. 5.03 No Guarantee of Lead Quality or Conversion. Provenant Life make no representations or warranties regarding the quality, accuracy, exclusivity, or convertibility of any leads provided through the Lead Programs. Actual conversion rates depend on numerous factors outside our control, including market conditions, consumer interest, your sales skills, carrier product availability, and underwriting outcomes. Past conversion rates achieved by other agents do not predict your results. 5.04 Lead Costs and Payment. All lead costs under the leads-at-cost program are the sole responsibility of the agent. Failure to pay for ordered leads in a timely manner may result in suspension of Lead Program access and other remedies available under the agency agreement. 5.05 Disputes Regarding Leads. Any disputes regarding lead quality, billing, or program terms must be raised in writing within the timeframe specified in the applicable Lead Program materials. Failure to raise a dispute within the applicable timeframe shall constitute acceptance of the lead and any associated charges.

ARTICLE VI — TRAINING AND ONBOARDING PROGRAM. 6.01 Description of Training Program. Provenant Life offers a structured onboarding training program designed to prepare newly contracted agents for active production. The training program includes carrier training, product knowledge, call and script training, application submission procedures, and ongoing weekly training sessions with active producers. 6.02 No Guarantee of Training Outcomes. Participation in the training program does not guarantee that you will become a successful producing agent or that you will achieve any particular production level or income. The effectiveness of training depends on numerous factors, including your prior experience, aptitude, effort, and commitment. 6.03 Intellectual Property of Training Materials. All training materials, scripts, call guides, product presentations, CRM configurations, and other materials provided to agents through the Provenant Life onboarding program and our platform are the proprietary intellectual property of Provenant Life. These materials are licensed to you solely for use in connection with your authorized insurance activities as a contracted agent. You may not share, reproduce, distribute, sell, or transfer these materials to any person or entity without express written permission from Provenant Life. Upon termination of your agency relationship, you must promptly cease all use of and, upon request, return or destroy all proprietary materials. 6.04 Platform Access. Access to the our CRM, training platform, and other technology tools is subject to the terms and conditions of applicable carrier platforms. Provenant Life makes no representations regarding the availability, functionality, or security of third-party platforms. Access may be suspended or revoked at any time in accordance with the applicable platform terms or your agency agreement.

ARTICLE VII — EARNINGS REPRESENTATIONS AND INCOME DISCLOSURES. 7.01 Nature of Earnings Information. This Website may include references to income potential, production ranges, and examples of earnings achieved by agents in the Provenant Life network. All such information is provided for illustrative purposes only and does not constitute a guarantee of any particular income level or business outcome. 7.02 Individual Results Vary Significantly. Actual earnings as a licensed insurance agent depend on a wide range of factors entirely outside the control of Provenant Life, including without limitation: (a) Your prior sales experience and skills; (b) The number of hours you devote to your insurance activities; (c) Your ability to convert leads into applications and issued policies; (d) The geographic market in which you operate; (e) Market conditions and consumer demand for insurance products; (f) Carrier underwriting standards and approval rates; (g) Policy persistency and chargeback rates; (h) Your ability to maintain active licensure and carrier appointments; (i) Your ability to build and maintain a personal client base; (j) Economic conditions generally; and (k) Your personal financial management and business operations. 7.03 No Guarantee of Income. There is no guarantee of income as an insurance agent. The life insurance industry involves real business risk, including the possibility of earning little or no income. Provenant Life make no representations that any agent will achieve any particular level of production or income. Past results of other agents do not predict your future results. You should conduct your own due diligence and consult independent financial and business advisors before making a decision to enter the insurance industry or join any agency. 7.04 FTC and State Disclosure Compliance. Provenant Life is committed to compliance with Federal Trade Commission guidelines regarding income and earnings representations and with applicable state insurance department regulations regarding agent recruiting disclosures. Nothing in these Terms limits your right to receive accurate income disclosure information upon request.

ARTICLE VIII — INTELLECTUAL PROPERTY. 8.01 Ownership. All content on this Website, including without limitation text, graphics, logos, images, photographs, audio clips, video clips, data compilations, and software, is the property of Provenant Life, or their respective content providers and is protected by applicable United States and international copyright, trademark, trade secret, and other intellectual property laws. 8.02 Limited License. Provenant Life grants you a limited, non-exclusive, non-transferable license to access and view the content on this Website for your personal, non-commercial use in connection with evaluating the Provenant Life agent opportunity. No other license is granted, expressed or implied. 8.03 Restrictions. You may not: (a) Copy, reproduce, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any Website content for any other purpose without the prior written permission of Provenant Life; (b) Modify or create derivative works based on the Website or any content thereon; (c) Use any Provenant Life trademark, service mark, trade name, or logo without express written permission; or (d) Frame or embed this Website or any portion thereof within any other website or application. 8.04 Agent-Generated Content. If you submit any content to Provenant Life, including through application forms, emails, or other communications, you grant Provenant Life a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, adapt, publish, and display such content in connection with our business operations. You represent and warrant that you have all rights necessary to grant this license and that your submission does not infringe any third-party rights.

ARTICLE IX — DISCLAIMERS OF WARRANTIES. 9.01 General Disclaimer. THIS WEBSITE AND ALL CONTENT, INFORMATION, MATERIALS, AND SERVICES AVAILABLE THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PROVENANT LIFE AND ITS AFFILIATES, PRINCIPALS, AGENTS, OFFICERS, DIRECTORS, AND EMPLOYEES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY. 9.02 No Warranty of Results. PROVENANT LIFE DOES NOT WARRANT THAT THIS WEBSITE WILL BE AVAILABLE AT ALL TIMES, THAT ACCESS WILL BE UNINTERRUPTED, THAT THE WEBSITE WILL BE FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, OR THAT ANY PARTICULAR RESULT OR OUTCOME WILL BE ACHIEVED THROUGH YOUR PARTICIPATION AS AN AGENT. 9.03 No Warranty of Regulatory Compliance. PROVENANT LIFE DOES NOT WARRANT THAT YOUR PARTICIPATION AS AN AGENT WILL COMPLY WITH ALL APPLICABLE LAWS AND REGULATIONS IN YOUR JURISDICTION. YOU ARE SOLELY RESPONSIBLE FOR ENSURING YOUR OWN LEGAL AND REGULATORY COMPLIANCE. 9.04 Third-Party Content. PROVENANT LIFE DOES NOT ENDORSE, WARRANT, OR ASSUME ANY RESPONSIBILITY FOR ANY THIRD-PARTY WEBSITE, PLATFORM, PRODUCT, OR SERVICE LINKED TO OR REFERENCED ON THIS WEBSITE.

ARTICLE X — LIMITATION OF LIABILITY. 10.01 Exclusion of Consequential Damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PROVENANT LIFE OR ANY OF ITS AFFILIATES, PRINCIPALS, AGENTS, OFFICERS, DIRECTORS, EMPLOYEES, OR CONTRACTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR SIMILAR DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST REVENUE, LOSS OF BUSINESS OPPORTUNITY, LOSS OF GOODWILL, DATA LOSS, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THIS WEBSITE, YOUR APPLICATION TO OR PARTICIPATION AS AN AGENT, OR THE LEAD PROGRAMS, TRAINING, OR OTHER SERVICES DESCRIBED ON THIS WEBSITE, EVEN IF PROVENANT LIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 10.02 Cap on Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF PROVENANT LIFE AND ITS AFFILIATES FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR YOUR USE OF THIS WEBSITE SHALL BE ZERO DOLLARS ($0.00). IN JURISDICTIONS WHERE COMPLETE EXCLUSION OF MONETARY LIABILITY IS NOT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF PROVENANT LIFE AND ITS AFFILIATES SHALL BE LIMITED TO THE MINIMUM AMOUNT REQUIRED BY APPLICABLE LAW IN THAT JURISDICTION. 10.03 Essential Basis. THE LIMITATIONS OF LIABILITY IN THIS ARTICLE X REFLECT A REASONABLE ALLOCATION OF RISK AND ARE A FUNDAMENTAL BASIS OF THE AGREEMENT BETWEEN YOU AND PROVENANT LIFE. PROVENANT LIFE WOULD NOT BE ABLE TO PROVIDE THIS WEBSITE OR THE INFORMATION AND SERVICES DESCRIBED HEREON ON AN ECONOMICALLY VIABLE BASIS WITHOUT SUCH LIMITATIONS.

ARTICLE XI — INDEMNIFICATION. 11.01 Your Indemnification Obligations. You agree to defend, indemnify, and hold harmless Provenant Life, and their respective affiliates, principals, managing agents, officers, directors, employees, contractors, and successors from and against any and all claims, actions, suits, proceedings, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to: (a) Your use of or access to this Website; (b) Your violation of these Terms of Use; (c) Your violation of any applicable law, regulation, or third-party right, including insurance regulations, consumer protection laws, privacy laws, and intellectual property rights; (d) Any false, inaccurate, or misleading information submitted by you through any application, form, or communication; (e) Your activities as an agent, including any claim by a client or prospective client arising from your conduct; (f) Your failure to maintain required licensure, E&O coverage, or carrier appointments; or (g) Any dispute between you and any third party related to your activities as an agent. 11.02 Cooperation. Provenant Life reserves the right to assume exclusive control and direction of the defense of any matter subject to indemnification by you. You agree to cooperate fully with Provenant Life in such defense and to not settle any such claim without the prior written consent of Provenant Life.

ARTICLE XII — GOVERNING LAW, DISPUTE RESOLUTION, AND ARBITRATION. 12.01 Governing Law. These Terms of Use and any dispute arising hereunder shall be governed by and construed in accordance with the laws of the state in which Provenant Life is principally operated, without regard to its conflict of law provisions, except to the extent that federal law applies. 12.02 Informal Resolution. Before initiating any formal dispute resolution process, you agree to contact Provenant Life in writing through the Website contact form and to engage in good-faith efforts to resolve the dispute informally for a period of not less than sixty (60) calendar days from the date of your written notice. 12.03 Binding Arbitration. Subject to Section 12.04, any dispute, claim, or controversy arising out of or relating to these Terms of Use, your use of this Website, or your participation as an agent that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules then in effect. The arbitration shall take place in the state in which Provenant Life is principally operated, unless the parties mutually agree to a different location or to conduct the arbitration by video conference. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. 12.04 Class Action Waiver. YOU AND PROVENANT LIFE EACH WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION PROCEEDING IN CONNECTION WITH ANY DISPUTE ARISING OUT OF OR RELATING TO THESE TERMS OF USE. ALL DISPUTES MUST BE BROUGHT IN THE RESPECTIVE PARTY'S INDIVIDUAL CAPACITY AND NOT AS A CLASS MEMBER OR PLAINTIFF IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. 12.05 Exceptions to Arbitration. Notwithstanding Section 12.03, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent actual or threatened misappropriation of intellectual property, breach of confidentiality obligations, or other irreparable harm. 12.06 Limitation Period. Any claim or cause of action arising out of or related to these Terms of Use or your use of this Website must be filed within one (1) year after the claim or cause of action arose, regardless of any statute of limitations that would otherwise apply. Any claim not filed within this period is permanently barred.

ARTICLE XIII — REGULATORY COMPLIANCE AND INSURANCE LAWS. 13.01 State Insurance Regulation. Your participation as an agent is subject to all applicable state insurance laws and regulations, including but not limited to laws governing licensing, appointments, advertising, marketing, suitability, disclosures, anti-replacement rules, rebating prohibitions, and market conduct standards. Provenant Life provides general compliance guidance through training and program materials, but you are solely responsible for understanding and complying with the specific regulatory requirements applicable to your license, your market, and your activities. 13.02 TCPA Compliance. To the extent that your activities as an agent involve telephone marketing, text messaging, or other electronic communications with consumers, you are solely responsible for complying with the Telephone Consumer Protection Act ("TCPA"), 47 U.S.C. § 227, and all implementing regulations, including requirements regarding prior express written consent, National Do Not Call Registry compliance, and restrictions on automated dialing equipment and pre-recorded messages. Provenant Life provides leads and contact information for insurance marketing purposes but makes no representations regarding the TCPA compliance status of specific leads. You must conduct your own TCPA due diligence before contacting any lead. 13.03 Anti-Money Laundering. To the extent applicable, agents are responsible for complying with all applicable anti-money laundering laws and regulations and must complete required AML training as prescribed by their Carrier Partners. 13.04 FINRA and Securities Regulations. If you hold any FINRA registrations or securities licenses, you are solely responsible for maintaining compliance with all applicable FINRA rules and SEC regulations. Provenant Life does not supervise or take responsibility for securities activities.

ARTICLE XIV — TERMINATION AND SUSPENSION. 14.01 Termination by Provenant Life. Provenant Life reserves the right to terminate or suspend your access to this Website, your application process, or your agency relationship at any time and for any reason or no reason, with or without notice and with or without cause, including without limitation if Provenant Life determines in its sole discretion that you have violated these Terms of Use, your agency agreement, applicable law, or any carrier requirement. 14.02 Termination by You. You may terminate your agency relationship with Provenant Life at any time upon written notice to Provenant Life, subject to the terms and conditions of your agency agreement. Termination of your agency relationship does not release you from any obligations that accrued prior to termination or that survive termination by their nature, including obligations regarding intellectual property, confidentiality, non-solicitation, and indemnification. 14.03 Effect of Termination. Upon termination of your agency relationship for any reason: (a) All licenses granted to you under these Terms and your agency agreement terminate immediately; (b) You must promptly cease all use of Provenant Life proprietary materials and return or destroy all such materials upon request; (c) Access to our platform and all associated tools will be revoked; and (d) Any outstanding commission obligations shall be addressed in accordance with your agency agreement and applicable carrier contracts. 14.04 Survival. The following provisions shall survive the termination or expiration of these Terms of Use for any reason: Articles I, VIII, IX, X, XI, XII, and XIV, and any other provisions that by their nature should survive.

ARTICLE XV — MISCELLANEOUS PROVISIONS. 15.01 Severability. If any provision of these Terms of Use is found to be unlawful, void, or unenforceable for any reason, that provision will be deemed severable from these Terms and will not affect the validity and enforceability of any remaining provisions. 15.02 Waiver. No failure or delay by Provenant Life in exercising any right or remedy under these Terms shall constitute a waiver of such right or remedy. No single or partial exercise of any right or remedy shall preclude any other or further exercise thereof or the exercise of any other right or remedy. 15.03 Assignment. You may not assign or transfer any of your rights or obligations under these Terms without the prior written consent of Provenant Life. Provenant Life may assign these Terms and any rights or obligations hereunder without restriction. 15.04 Notices. All notices from you to Provenant Life must be submitted through the Website contact form. Notices from Provenant Life to you may be provided by email to the address on file, by posting to this Website, or by other means permitted under applicable law. 15.05 Force Majeure. Provenant Life shall not be liable for any failure or delay in performance arising from causes beyond its reasonable control, including acts of God, natural disasters, government actions, telecommunications failures, or other events beyond our reasonable control. 15.06 No Third-Party Beneficiaries. These Terms of Use are for the sole benefit of Provenant Life and you. Nothing in these Terms, express or implied, is intended to or shall confer upon any other person or entity any legal or equitable right, benefit, or remedy of any nature whatsoever. 15.07 Headings. Section headings are for convenience only and shall not affect the interpretation of these Terms. 15.08 Contact. For questions regarding these Terms of Use, please submit an inquiry through the Website contact form. Provenant Life — Effective: January 1, 2026 — Version 1.0 — This document supersedes all prior versions.

Provenant Life · Partner Agency of Effective: January 1, 2026 · Version 1.0 · This document supersedes all prior versions · Submit all inquiries through the Website contact form.