application

American Income Life Insurance Company P.O. Box 2608 Waco, TX 76797 UNION OFFICE COPY APPLICATION FOR UNION MEMBERSHIP Last Name First Name HORN CHRISTIAN Middle Birth Name CHRISTIAN HORN Address: Street Name and Number, City, State, Zip Code Date of Birth 2524 FRISSE AVE , EVANSVILLE, IN 47714 07/01/2000 Social Security Number: Home Phone Cell Phone Sex Place of Birth *****0220 812-802-8913 812-802-8913 M COFFEEVILLE, KS I apply for membership in Local 277 of the Office & Professional Employees International Union and authorize such local to be my exclusive collective bargaining representative. Signature: X________________________ _ 07/27/2020 Date: (Month/Day/Year) ___________________________ Name: Last First HORN Middle CHRISTIAN UNION DUES CHECK-OFF AUTHORIZATION I authorize American Income Life Ins. Company to deduct the initiation fee and the monthly dues of Office and Professional Employees International Union Local 277 and send it to such local. This authorization shall be irrevocable for the term of applicable contract between the Union and the Company, or for one year, whichever is the lesser, and shall automatically renew for successive periods unless I gave written notice to the Company and the Union at least 60 days and not more than 75 days before any renewal date. UNION DUES ARE NOT DEDUCTIBLE AS CHARITABLE CONTRIBUTIONS FOR FEDERAL INCOME TAX PURPOSES. Signature X Date (mm/dd/yy) 07/27/2020 VOTE Deduction Authorization I hereby authorize American Income Life Insurance Company to deduct the following monthly and send it to the Office of Professional Employees International Union, Local 277. (Check One) _____$5_____$10_____$20_____$25_____ $50 $__________ (other) This amount will be forwarded for deposit with the J.B. Moss Voice of the Electorate (VOTE) Fund. I understand that the J.B. Moss Voice of the Electorate (VOTE) Committee will make political contributions and expenditures in connection with federal, state, and local elections, and that this voluntary authorization is in response to the fund-raising effort by OPEIU. This authorization may be revoked by me at any time by written notice to AIL and/or Office and Professional Employees International Union, Local 277, as applicable. _,965=51/6 %1=598 &9775==33A &98=;50>=598< Are Not Tax Deductible. CHRISTIAN HORN 07/27/2020 Printed Name_____________________________________________________________ Date: (Month/Day/Year) ____/____/______ Signature: ________________________________________________________________ (Except as prohibited or modified by state law, this authorization is applicable in all states) Revised 5/16 5.00 CHRISTIAN HORN *****0220 07/27/2020 EXPENSES The Agent shall be responsible for all expenses incurred in the production of insurance for the Company. The Agent shall, at her or his own expense, furnish her or his own: means of transportation; office or place of business; advertising materials, form letters, letterheads, and any other relevant items used in the solicitation of insurance for the Company. Any persons retained by the Agent to assist the Agent in the solicitation or sale of insurance s[T__ UX Tg g[X 8ZXagqf bja XkcXafX* The Agent shall be responsible to the Company for all loss and/or damage arising in any way from business done by and entrusted to her or him and shall indemnify, hold harmless, save and defend the Company from any and all expenses, costs, causes of action, losses or damages, \aV_hW\aZ TggbeaXlqf YXXf( \aVheeXW Ul g[X ;b`cTal Tf T eXfh_g bY Tal TVgf be b`\ff\baf bY g[X 8ZXag( \aV_hW\aZ haThg[be\mXW acts, fraud, or any breach of this Contract. ADVICE AND ASSISTANCE FROM OTHER AGENTS Experienced agents, including Supervising Agents, General Agents, Master General Agents, Regional General Agents and State General Agents, are available to assist the Agent with sales advice, and may recommend strategies to the Agent that could help the Agent become a more successful salesperson. Additionally, from time-to-time, optional training and/or sales meetings may be held by the State General Agent with whom the Agent is affiliated in order to acquaint the Agent with new products, discuss sales techniques, exchange ideas with other agents, and provide general sales support and motivation. The State General Agent may request that the Agent voluntarily provide information about her or his sales activities in order to help identify agents who could benefit from additional training or sales assistance. COMMISSIONS The commission for a given policy sold by the Agent is determined by the 8ZXagqf Vb``\ff\ba schedule in effect at the time the policy is issued and is subject to the following terms and conditions: (1) Commissions will be paid on premiums received by the Company for business produced by the Agent less any premiums returned to the Company unpaid or refunded to the insured. A commission is not earned unless and until premium is received by the Company. No commissions will be paid on premiums that are waived, or on extra premiums for hazards or physical conditions. Recognizing that the amoung bY g[X 8ZXagqf cebY\g be _bff \f fb_X_l WXcXaWXag hcba g[X 8ZXagqf WXZeXX bY f^\__ TaW XYYbeg( Vb``\ff\baf cT\W gb g[X 8ZXag Tee to be in full satisfaction of all claims upon the Company account for services or expenses under this Contract. (2) Subject to the terms of this Contract, including, but not limited to, paragraphs 3 and 4, below, commissions earned after termination of this ;bageTVg j\__ UX cT\W gb g[X 8ZXag ba_l \Y6 &T' g[X 8ZXagqf termination was not for cause; and (b) the Agent complies with all obligations under this ;bageTVg g[Tg Te\fX Yb__bj\aZ gXe`\aTg\ba( \aV_hW\aZ( Uhg abg _\`\gXW gb( g[X oUSE OF TRADEMARKS/CONFIDENTIAL INFORMATION/USE OF TRADE SECRETS.p (3) As set forth above, commissions are not earned by the Agent unless and until premiums are received by the Company. Solely for the benefit of the Agent, the Company may, at its sole discretion, pay the Agent commissions before they are earned (which commissions are referred to herein Tf o8WiTaVX ;b``\ff\bafp'* L[X ;b`cTal eXfXeiXf g[X e\Z[g gb fXg _\`\gf ba g[X T`bhag bY 8WiTaVX ;b``\ff\baf TaW gb V[TeZX \aterest and fees on Advance Commissions. Advance Commissions will be repaid by the Agent from the proceeds of commissions earned by the Agent following the ;b`cTalqf cTl`Xag bY g[X 8WiTaVX ;b``\ff\baf* L[X 8ZXag haWXefgTaWf TaW TZeXXf( [bjXiXe( g[Tg f[X be [X f[T__ UX eXdh\eXW gb repay these Advance Commissions even if the commissions actually earned by the Agent are not sufficient to repay the Company the full amount of the Advance Commissions, and even if the Company fails to make a demand for repayment of the Advance Commissions. The Agent further agrees to the following additional terms as a condition of her or his receipt of Advance Commissions: (a) 8WiTaVX ;b``\ff\baf j\__ UX geTV^XW ba g[X 8ZXagqf TVVbhag Ul g[X ;b`cTal7 (b) The Company may reduce or withhold entirely any commissions otherwise payable to the Agent until the Advance Commissions are fully repaid by the Agent, including, but not limited to, renewal commissions that have vested pursuant to this Contract; (c) The Agent understands and agrees that she or he is fully liable to the Company until the Advance Commissions are repaid in full and Yheg[Xe haWXefgTaWf TaW TZeXXf g[Tg g[X ;b`cTalqf e\Z[g gb eXVbiXe fhV[ 8WiTaVX ;b``\ff\baf \Y g[Xl TeX abg Yh__l eXcT\W \f Uased ba g[X ;b`cTalqf e\Z[g bY eXVbhc`Xag TaW TeX abg \a g[X aTgheX bY T fXg-off, since all such unpaid sums arise under this Contract; and (d) After termination of this Contract, with or without cause, any Advance Commissions that have not been fully repaid will be immediately repaid by the Agent. (4) The Agent shall not be entitled to receive renewal commissions until one (1) year after the effective date of this Contract. Thereafter, the 8ZXagqf e\Z[g gb eXVX\iX eXaXjT_ Vb``\ff\baf f[T__ iXfg \a TVVbeWTaVX j\g[ g[X ;b`cTalqf ha\ba TZeXX`Xag j\g[ GH=AM DbVT_ .33. L[X 8ZXagqf e\Z[g gb eXVX\iX iXfgXW renewal commissions, if any, shall immediately terminate without notice if: (a) all Advance Commissions have not been timely and Yh__l eXcT\W7 &U' g[\f ;bageTVg \f gXe`\aTgXW Ybe VThfX be WhX gb g[X 8ZXagqf violation of any provision of this Contract; and/or (c) in any calendar year following termination of this Contract the amount of such vested renewal commissions paid under this Contract is less than $150 (One Hundred and Fifty Dollars) per calendar quarter. At the option of the Company, payment of commissions may be held in abeyance for one hundred and eighty (180) days after termination of this Contract in order to determine the existence of any sums owed to the Company or any other Globe Life Family of Companies, which sums are to be recouped from commissions. If the Agent has a credit balance on an account with any Globe Life Family of Companies, the credit balance may be applied to satisfy any sums owed by the Agent to said affiliate(s). This Contract has the standard commission schedule (AGSTD) unless otherwise indicated. Commissions earned after the termination of this Contract shall be credited in accordance with the union agreement with OPEIU Local 277. '#-/0#&#32#-879=#.;9=<45=#(+'*(),# # USE OF TRADEMARKS/CONFIDENTIAL INFORMATION/USE OF TRADE SECRETS The Agent understands and agrees that during the course of her or his performance of this Contract, certain confidential and proprietary information, including trade secrets relating to the ;b`cTalqf policyholders, prospective customers, business and operations will be made TiT\_TU_X gb g[X 8ZXag &j[\V[ \aYbe`Tg\ba \f eXYXeeXW gb [XeX\a Tf o;baY\WXag\T_ AaYbe`Tg\bap'* L[X 8ZXag TZeXXf g[Tg f[X be he will not use this Confidential Information except in connection with the performance of her or his duties hereunder. The Agent further agrees not to disclose this Confidential Information to anyone other than employees of the Agent who have a need to know it, and to take all necessary and reasonable action to insure and cause all such persons to protect the confidentiality of such Confidential Information and to insure compliance with the confidentiality obligations herein. Such Confidential Information includes, but is not limited to, any and all business information such as: (a) proprietary methods, techniques, and practices, financial data, plans and all other know-how and trade secrets of the Company which have not been published or W\fV_bfXW gb g[X ZXaXeT_ chU_\V7 &U' g[X ;b`cTalqf Uhf\aXff `Xg[bWf TaW ceTVg\VXf( \aV_hW\aZ ce\V\aZ `Xg[bWf( VbageTVg germs, commissions, bonus schedules and practices; (c) compilations of data or information, including policyholder information and records, g[X ;b`cTalqf Vhfgb`Xe _\fgf( _XTW lists and potential customer lists, CAS database information, and Impact application information; and (d) any other information not generally known to g[X chU_\V( \aV_hW\aZ( Uhg abg _\`\gXW gb( \aYbe`Tg\ba TUbhg g[X ;b`cTalqf cb_\Vl[b_WXef( TZXagf TaW TZXag VbageTVgf( [\XeTeVhies, operations, personnel, products, and trademarks or serviVXf( j[\V[( \Y `\fhfXW be W\fV_bfXW( Vbh_W TWiXefX_l TYYXVg g[X ;b`cTalqf Uhf\aXff TaW+be cebi\WX T competitive advantage to anyone using or obtaining such Confidential Information. During the term of this Contract, Company hereby grants to the Agent a non-exclusive, worldwide, non-sub-licensable, non-assignable license to use g[X ;b`cTalqf ;baY\WXag\T_ AaYbe`Tg\ba( geTWX`Te^f TaW _bZbf fb_X_l \a VbaaXVg\ba j\g[ 8ZXagqf jbe^ haWXe g[\f ;bageTVg* L[X 8ZXagqf _\VXafX gb hfX g[X ;b`cTalqf geTWX`Te^f TaW _bZbf terminates when this Contract terminates pursuant to the provisions of the Term and Termination provisions of this Contract. The Agent understands and agrees that the obligations of this section survive termination of this Contract. IMMUNITY NOTICE: 18 U.S.C. § 1833(b) states: o8a individual shall not be held criminally or civilly liable under any Federal or State trade secret law for the disclosure of a trade secret that (1) is made (a) in confidence to a Federal, State or local government official, either directly or indirectly, or to an attorney; and (b) solely for the purpose of reporting or investigating a suspected violation of law; or (2) is made in a complaint or other document filed in a lawsuit or other proceeding, if fhV[ Y\_\aZ \f `TWX haWXe fXT_*p 8VVbeW\aZ_l( g[X 8ZXag [Tf g[X e\Z[g gb W\fV_bfX \a VbaY\WXaVX trade secrets to Federal, State or local government officials, or to an attorney, for the sole purpose of reporting or participating in the investigation of a suspected violation of law. The Agent also has the right to disclose trade secrets in a document filed in a lawsuit or other proceeding, but only if the filing is made under seal and protected from public disclosure. Nothing in this Contract is intended to conflict with 18 U.S.C. § 1833(b) or create liability for disclosures of trade secrets that are expressly allowed by 18 U.S.C. § 1833(b). TERM AND TERMINATION OF CONTRACT Either party may terminate this Contract immediately for cause, including non-performance of any material provision, or if the other party violates any applicable law, insurance code, or regulation. In addition, either party may terminate this Contract without cause by giving g[\egl &/,' WTlfq je\ggXa notice. Any notice of termination of this Contract sent by the Agent to the Company shall be sent to: American Income Life Insurance Company; 1200 Wooded Acres Drive, Waco, Texas 76710; Attention: Agency Department. Notice of termination of this Contract, if sent by the Company to the Agent, \f XYYXVg\iX \Y `T\_XW gb g[X _Tfg TWWeXff Ybe g[X TZXag âbja Ul g[X ;b`cTalqf KXa\be N\VX HeXf\WXag bY 8ZXaVl( be \Y X`T\_Xd to the Agent at g[X 8ZXagqf _Tfg âbja X`T\_ TWWeXff ba Y\_X j\g[ g[X ;b`cTal* If the State General Agent to which the Agent is coded terminates its relationship with the Agent because the Agent has violated any applicable law, insurance code, or regulation, then this Contract will terminate immediately. If the State General Agent to which the Agent is coded terminates its relationship with the Agent for any other reason by giving the Agent thirty (30) days of written notice of same, then this Contract will terminate at the end of that thirty (30) days. L[\f ;bageTVg f[T__ gXe`\aTgX Thgb`Tg\VT__l \Y g[X 8ZXagqf _\VXafX&f' gb fX__ \afheTaVX \a g[X KgTgX&f' j[XeX g[X 8ZXag fX__f g[X ;b`cTalqf cebWhVgf is/are terminated, suspended or revoked, or if the Agent otherwise fails to maintain such license(s). 8YgXe gXe`\aTg\ba bY g[\f ;bageTVg( g[X 8ZXag j\__ aXiXe hfX g[X ;b`cTalqf Confidential Information, including trade secrets such as policyholder information and records, Company-provided union or credit union membership records, or other Company business records (such as lead return cards, referrals, policyholder lists, CAS database information, Impact application information, computer disks or other storage media, no matter how or when obtained, and whether prepared by the Company or the State General Agent or any other person) for any purpose, including, without limitation, for the purpose of soliciting the sale of insurance policies of the type offered for sale by the Company (e.g., life insurance policies, accidental death and dismemberment policies, cancer insurance policies and disability insurance policies) and/or for the purpose of replacing any insurance policy sold by the Company. Immediately upon termination of this Contract, all such records comprising Confidential Information shall be returned by the Agent via overnight courier, signature required, to the address then on file with the Department of Insurance at the time in the state where the 8ZXagqf TYY\_\TgXW KgTgX ?XaXeT_ 8ZXagqf bYY\VX \f _bVTgXW. All such records will be returned immediately as provided herein without the Agent retaining any copies. In the event the records comprising Confidential Information are returned to Agent as undeliverable, Agent is responsible to immediately return such records via overnight courier, signature required, to American Income Life Insurance Company, Attention: Agency Department, 1200 Wooded Acres Drive, Waco, Texas 76710. 8ZXag TZeXXf g[Tg \a g[X XiXag bY T UeXTV[ bY g[\f ;bageTVg j\g[ eXfcXVg gb g[X ;b`cTalqf ;baY\WXag\T_ AaYbe`Tg\ba( \aV_hW\aZ trademarks and trade secrets, an award of damages alone will not adequately compensate the Company and that immediate and irreparable injury will result and that ;b`cTal [Tf ab TWXdhTgX eX`XWl Tg _Tj fhV[ g[Tg 8ZXag TZeXXf g[Tg \a TWW\g\ba gb ;b`cTalqf e\Z[g bY TVg\ba Ybe WT`TZXf( ;b`cTny shall be entitled to injunctive relief for any violation. NON-COMPETITION For a period of two (2) years after termination of this Contract, the Agent shall not: (a) <\eXVg_l be \aW\eXVg_l VbagTVg g[X ;b`cTalqf cb_\Vl[b_WXef gb TggX`cg gb \aWhVX g[X` gb gXe`\aTgX g[X\e eXfcXVg\iX cb_\V\Xf br in any other way to injure the business or reputation of the Company. (#-/0#&#32#-879=#.;9=<45=#(+'*(),# # (b) Attempt to induce other agents of the Company to end their respective relationships with the Company, or to violate the terms or conditions of their respective contracts with the Company. Agent agrees that in the event of a breach of this Contract by Agent that an award of damages alone will not adequately compensate the Company and that immediate and irreparable harm will result and that the Company has no adequate remedy at law such that Agent agrees that in addition to g[X ;b`cTalqf e\Z[g bY TVg\ba Ybe WT`TZXf( ;b`cTal f[T__ T_fb UX Xag\g_XW gb \a]haVg\iX eX_\XY Ybe Tal i\b_Tg\ba* SEVERABILITY If any provision of this Contract should be determined to be invalid or otherwise unenforceable under applicable law, the remainder of this Contract shall not be affected thereby. DEPORTMENT The Agent shall immediately forfeit her or his right to receive any commissions due or to become due under this Contract or any other agreement with the Company if the Agent at any time, either before or after termination of this Contract: (1) wrongfully withholds any funds belonging to any applicant for insurance, a policyholder, or the Company; (2) induces any policyholder to lapse, relinquish or surrender a policy with the Company; (3) XaZTZXf \a Tal VbaWhVg j[\V[ Vbafg\ghgXf T `\fTccebce\Tg\ba bY g[X ;b`cTalqf Confidential Information, including without limitation any trade secret(s); or (4) in any other way breaches this Contract during its tenure or subsequent to its termination (including, but not limited to, a violation of those provisions of this Contract that survive the termination of this Contract). ARBITRATION In the event of any dispute or disagreement, whether arising out of or relating to this Contract or otherwise, that is not subject to or resolved by the grievance process set forth in the operative union agreement between the Company's State General Agents, the Company, and OPEIU Local 277, the Parties to the dispute shall use their best XYYbegf gb fXgg_X fhV[ W\fchgXf* oHTeg\Xfp \aV_hWXf g[X 8ZXag( g[X ;b`cTal &\aV_hW\aZ \gf cTeXag( Globe Life Inc.) and the State General Agent. To this effect, the Parties shall negotiate with each other in good faith to reach a just solution. The negotiation process is to be considered a settlement negotiation for the purpose of all state and federal rules protecting statements made during such conferences from later discovery or use in evidence. If the Parties do not reach a just solution by negotiation as described above, then upon written notice by one Party to another, all disputes, claims, questions and controversies of any kind or nature arising out of or relating to this Contract, any alleged violation of any state or federal statute, regulation, laj be beWXe bY Tal ^\aW( TaW+be g[X TZXagqf eX_Tg\baf[\c Tf Ta \aWXcXaWXag VbageTVgbe TaW abg Ta X`c_blXX &\aV_hW\aZ( j\g[bhg limitation, claims for wrongful termination, discrimination, wage-and-hour violations, or any other claim based on an alleged employment relationship), regardless of whether they are brought by or against the Company, the Agent, or the State General Agent, except a dispute relating to the enforceability of this agreement to arbitrate, shall be submitted to binding arbitration under the substantive rules of the Federal Arbitration Act &o>88p'( gb UX TW`\a\fgXeXW Ul g[X 8`Xe\VTa 8eU\geTg\ba 8ffbV\Tg\ba &o888p' \a TVVbeWTaVX j\g[ \gf ;b``XeV\T_ Jh_Xf g[Xa \a Xffect. The arbitration shall take place in the AAA office closest to the domicile of the Agent. The Company shall pay any AAA filing, administrative, and arbitrator fee(s). Arbitration shall be on an individual, not a class, collective, representative, or private attorney general basis. If waiver as to class action claims is deemed unenforceable, the parties do not agree to class arbitration and any class action claims must proceed in court. If waiver as to collective, representative, or private attorney general claims is deemed unenforceable, any such claims must proceed in court, and must be stayed while any remaining claims are arbitrated on an individual basis. The arbitrator shall have the power to award any relief that would otherwise be available in court, including TggbeaXlqf YXXf \Y permitted by statute, injunctive or other equ\gTU_X eX_\XY* L[X TeU\geTgbeqf Y\aW\aZf TaW TjTeW f[T__ UX Y\aT_ TaW U\aW\aZ on the Parties and their beneficiaries, successors, assigns, or anyone claiming an interest in the Contract. Any court having jurisdiction may enter judgment on the award rendered by the arbitrator(s). The parties acknowledge that this Contract involves interstate commerce, and all issues relating to arbitration or the enforceability of this agreement to arbitrate shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. Aside from issues relating to arbitration or the enforceability of this agreement to arbitrate, all issues relating to any dispute, claim, or controversy arising out of or relating to this Contract shall be governed by and decided in accordance with the internal laws of the State of Texas, without regard to its choice-of-law rules. RELATIONSHIP The Agent is an independent contractor to the fullest extent permitted by law, and will not be treated as an employee with respect to services performed under this Contract, including for Federal and State tax purposes. The Agent has no fixed hours and is free to choose the time and manner in which services are performed. The Agent shall not represent or imply that the Agent is an officer of the Company or a person having general authority to transact business for the Company. As an independent contractor, the Agent is not eligible for unemployment benefits or jbe^Xeqf Vb`cXafTg\ba* PROTECTED HEALTH INFORMATION The Agent understands and agrees that while performing her or his obligations under this Contract, she or he may receive information about \aW\i\WhT_f be Xag\g\Xf j[b Xaeb__( Tcc_l Ybe be cheV[TfX g[X ;b`cTalqf \afheTaVX( j[\V[ \aYbe`Tg\ba \f WXY\aXW Tf oHebgXVgXW @XT_g[ AaYbe`Tg\bap under the privacy reZh_Tg\baf \ffhXW haWXe g[X @XT_g[ AafheTaVX HbegTU\_\gl TaW 8VVbhagTU\_\gl 8Vg bY -552 &o@AH88p' TaW+be oFbachU_\V HXefbaT_ AaYbe`Tg\bap haWXe g[X ?eT``-Leach-9_\_Xl 8Vg &o?D98p' TaW \gf \`c_X`Xag\aZ eXZh_Tg\baf &Vb__XVg\iX_l( g[\f \aYbe`Tg\ba \f [XeX\a eXferred to as oHebgXVgXW AaYbe`Tg\bap be oHAp'* L[X 8ZXag TZeXXf g[Tg f[X be [X j\__ Tg T__ g\`Xf Vb`c_l j\g[ g[X ;b`cTalqf cb_\V\Xf eXZTeWing the treatment of such HA &[XeX\aTYgXe o;b`cTal Hb_\V\Xfp'* AY g[X 8ZXag UXVb`Xf TjTeX bY Tal hfX be W\fV_bfheX bY HA g[Tg \f abg cXe`\ggXW Ul g[X ;b`cTalqf Hb_\V\Xf and/or HIPAA and/or the GLBA, the Agent shall immediately report such incident to the Company and cooperate fully with the Company to fulfill any resulting legal obligations. The Agent understands and agrees that the obligations contained herein survive termination of this Contract. NO WAIVER No provision of this Contract shall be waived nor any rule or procedure of the Company become inapplicable merely because the Company has failed to enforce it previously. )#-/0#&#32#-879=#.;9=<45=#(+'*(),# # ENTIRE AGREEMENT This Contract, the Special Notice Acknowledgment attached hereto as Exhibit A, and the applicable commission schedules represent the entire understanding of the parties with respect to the subject matter hereof and supersedes and terminates any prior or contemporaneous agreements, whether written or oral, in which the Agent and the Company are Parties except as described in this paragraph. This Contract can only be amended in a writing executed by Company and Agent. Notwithstanding the execution of any subsequent contracts between Company and Agent, in the XiXag g[X 8ZXagqf Vb``\ff\ba fV[XWh_X changes and she or he remains an Agent of the Company, insurance policies previously issued by the Company under the existing commission structure then in effect under the prior agent contract shall remain and any new policy of insurance issued by the Company after the effective date of any subsequent agent contract will have the commission payable to the Agent by the Company based on the commission schedule then in effect at the time of issuance of the policy of insurance. NONASSIGNABLE No benefit or right under this Contract may be assigned without the consent of the Company. REQUIREMENT OF WRITING All agreements must be in writing. No promise or understanding shall be enforceable unless made in writing. I HEREBY ACKNOWLEDGE THAT I HAVE READ THE FOREGOING CONTRACT IN ITS ENTIRETY, INCLUDING THE ARBITRATION PROVISION, THE SPECIAL NOTICE ACKNOWLEDGEMENT ATTACHED HERETO AS EXHIBIT A, AND AGREE TO ALL CONTRACT TERMS. THIS CONTRACT SHALL NOT BECOME EFFECTIVE UNLESS AND UNTIL THE COMPANY AND THE APPLICABLE STATE GENERAL AGENT SIGN BELOW. 07/27/2020 This Contract is signed (Date) _____________________________________. (Agent Printed Name) CHRISTIAN HORN ____________________________________________________________ (Agent Signature Name) ____________________________________________________________ (State General Agent Printed Name) WEST JOSHUA J ____________________________________________________________ (State General Agent Signature Name) ____________________________________________________________ By (Proxy Printed Name) ____________________________________________________________ By (Proxy Signature Name) ____________________________________________________________ AMERICAN INCOME LIFE INSURANCE COMPANY This Contract is effective (Date) ___________________________________. By (Printed Name) ____________________________________________________________ By (Signature Name) ____________________________________________________________ COMMISSION SCHEDULE INSTRUCTIONS ____ 50% Career Agent ____ 67.5% Career Agent ____ 77.5% Career Agent ____ 60% Standard Career Agent ____ 70% Career Agent ____ 80% Career Agent ____ 62.5% Career Agent ____ 72.5% Career Agent ____ 90% Career Agent ____ 65% Career Agent ____ 75% Career Agent ____ 100% Career Agent **Career Agent automatic contract progression is outlined in the OPEIU Local 227 Agent/PR collective agreement *#-/0#&#32#-879=#.;9=<45=#(+'*(),# # ## ## ## ## HIERARCHY INSTRUCTIONS (please print) Level Contract Percent Name SGA WEST JOSHUA J RGA ADAM KIDIKAS MGA TYLER BOULDEN GA MOHAMED SHOGAR AGENT 50.00% # # # # # # # # # # # # # +#-/0#&#32#-879=#.;9=<45=#(+'*(),# # CHRISTIAN HORN # SPECIAL NOTICE ACKNOWLEDGEMENT EXHIBIT A I understand and acknowledge the following: 1. 8URPW_ [S N \[XVPeU[XQR^ [^ N\\XVPNZ` Ya_` OR YNQR \NeNOXR `[ 6YR^VPNZ >ZP[YR @VSR >Z_a^NZPR 8[Y\NZe $ÙR g8[Y\NZeh% and never to me. 2. I may not cash or deposit any check made payable to the Company. 3. I may not contract for any purchase in the name of the Company. 4. I may not sign any lease or incur any obligation in the name of the Company. 5. I understand that I will not be an employee of the Company; rather, I will be an independent contractor of the Company. 6. I will be paid on a commission basis only and I will receive a Form 1099 for the commissions that I am paid. The Company will not withhold taxes or social security from my commission payments. I am responsible for paying all of my own taxes, including social security payments. 7. > NY Z[` RXVTVOXR S[^ aZRY\X[eYRZ` ORZRSV`_ [^ c[^WRî_ compensation. 8. I am responsible for maintaining any separate office(s) in which I work, and I must furnish my own equipment, materials, and supplies (other than State- and/or Company-approved forms). I will incur and be responsible for the expenses related to my work, and expect to have recurring business liabilities and obligations. At my sole discretion and expense, I can hire one or more assistants to work for my business. I recognize that neither the Company nor the State General Agent will reimburse me for any expenses I incur in doing my business. Because the success or failure of my business will depend on the relationship of my business receipts (commission income) to expenditures, I may realize a profit or suffer a loss under my written contract(s) to perform services for the Company. 9. I alone will control the manner and means of my work. I will set my own work schedule, and I will be free to choose the manner in which my work is performed. I understand that I am free to pursue other non-insurance-related business ventures while contracted with the Company. 10. I understand that from time to time, the Company or the State General Agent may make available to me training and/or sales meetings to introduce new products, offer assistance in maximizing my sales, and provide information regarding compliance with federal or state law pertaining to the sale of insurance. 11. I understand that my State General Agent may make sales leads available to me. However, I further understand that I have no right or guarantee to receive any leads at all. I understand that I am responsible for generating my own leads and/or referrals for potential customers. 12. I understand that the Company maintains the ultimate right to approve or disapprove any application and/or potential customer. I will be responsible for the satisfactory completion of the services for which I am contracted, and I will be liable for failure to satisfactorily complete the services. I will be responsible to the Company for all loss or damage arising from business done by and entrusted to me and I shall indemnify and hold harmless the Company from any and all expenses, costs, causes of action, loss or damages resulting from any fraudulent or unauthorized acts or omissions. 13. I will maintain the proper insurance license required to do business and will adhere to all state and federal laws and regulations applicable to insurance sales activity. I understand all customer leads and policyholder information and records are Company trade secrets, and are considered confidential and private and will not use them for anything other than Company business. 14. I will adhere to all State, Federal, and/or Provincial laws regarding privacy of consumer and/or policyholder information and records. I will take all appropriate and necessary steps to protect and safeguard the privacy and confidentiality of consumer and/or policyholder data to which I have access, regardless of the source of such data. I will comply with Company guidelines and contract requirements respecting the maintenance, return, and destruction of consumer- and policyholder-related records, including, but not limited to, business records, policyholder records, CAS records, lead records, and records concerning prospects or organization memberships. Signature X _________________________________ &#-/0#&#32#-879=#.;9=<45=#(+'*(),# # Date (mm/dd/yy) 07/27/2020 ________________________________ CODE OF ETHICS FOR LIFE INSURANCE AGENTS OF AIL I. An agent who holds a life insurance license shall not contravene or fail to comply with the following Code of Ethics in respect of the sale or service of life insurance. DUTY OF CARE 1. Make a diligent and businesslike effort to learn the information about a client that is pertinent to his or her insurance needs, including information about the client’s objectives and financial circumstances. 2. Put the interests of a client ahead of the agent’s own direct or indirect interests. 3. Provide a quality of service at least equal to that which is generally expected of a competent agent in a like situation. 4. The Company discourages replacement of insurance policies both internally (another AIL policy) and externally (through another insurance company). Do not replace an existing policy unless replacement is clearly in the best interest of the client and writing an additional policy is not an option. The agent is always required to comply with replacement laws and regulations of the state in which the replacement is being written. CONFIDENTIALITY 5. Use best efforts to obtain sensitive information about a person directly from the person. 6. Advise a client that the agent has solicited information about the client from another source, if this is the case. 7. Advise a client as to the purposes for which personal information is being or was collected and any changes in such purposes. 8. Protect personal information with security safeguards appropriate to the sensitivity of the information. 9. Only disclose information about a client, an insured or a person whose life is to be or is insured, (i) to an insurer on an application for insurance, or (ii) when authorized by the person to whom the information relates. 10. Advise a client that, (i) information that the client authorizes to be released to a central information bureau may be stored by the bureau and accessed by another insurer with the client’s subsequent authorization, (ii) and authorizing an insurer to collect information about the client from other sources may affect the underwriting decision by the insurer. DISCLOSURE 11. Present accurately, honestly, completely and in plain language all facts reasonably available to the agent that are necessary to enable a client to make an informed decision about his or her insurance needs. 12. Advise a client that all information provided to an insurer must be accurate and complete and that failure to provide accurate and complete information could invalidate a policy. 13. Inform an insured, at the time a contract of insurance is delivered, of any significant differences between the policy applied for and the policy issued by the insurer. 1 II. An agent who holds a life insurance license shall not engage in the following activities: 1. Holding out, directly or indirectly, by representation or omission, in a way that is misleading about the life insurance services that the agent can provide. 2. Misrepresenting his or her training, qualifications or skills. 3. Making any false or misleading statement or representation in the course of selling or servicing an insurance policy. 4. Using methods of solicitation or advertising that are misleading as to the terms, benefits or investment risks, if any, of any insurance policy. 5. Inducing or attempting to induce, directly or indirectly, a client to replace any contract of insurance unless, having regard to the specific circumstances of the client, the replacement is in the best interests of the client. 6. Engaging in the indiscriminate replacement of life insurance contracts or adopting as a sales strategy any plan involving the indiscriminate replacement of life insurance contracts. 7. Using coercion or undue influence in order to control, direct or secure insurance business. 8. Taking advantage of a client if the agent knows or ought to know that the client is unable to understand the character, nature, language or effect of the transaction or proposed transaction. 9. Using unfair or deceptive means to collect personal information. 10. Submitting information on behalf of a client on an application for insurance knowing that the applicant or a person whose life is to be insured has misrepresented or failed to provide to the insurer information that is requested by the insurer. 11. Failing to deliver to an insured in a timely manner an insurance policy and any related documents received from an insurer subject to any conditions specified by the insurer. **Missouri Agents – are required to review the State of Missouri rule CSR 400-5.200 Deceptive Practices or Misrepresentations in the Solicitation of Life Insurance (attached) 2 0/fice & Pro/eddiona/ Cmp/oyeed J nternaliona/ Union, cfoca/ 277 AFL-CIO, CLC 641 N. Cherry Lane • Fort Worth, Texas 76108 Tel: 817-246-4981 • Fax: 817-246-2940 /Jechy J!. Jurner Jinda {]onzafez {]e~ President, Bus. Mgr. Sec.-Treas., Assist. Bus. Rep. Vice President J Patlan March 15, 2016 All Agents , Marketing Specialists, & Public Relations Representatives American Income Life Insurance Company/State General Agents of AIL National Income Life Insurance Company/State General Agents of NILICO Subject: OPEIU J. B. Moss Voice of the Electorate Fund (VOTE) Dear Members & Friends: Local 277 urges you to consider contributing to the OPEIU JB Moss Voice of the Electorate Fund . JB Moss VOTE is a political action fund that is supported by voluntary contributions from Office & Professional Employees International Union members from all across the United States. These voluntary donations make possible contributions to candidates who have demonstrated support for working families and of labor friendly legislation . At a time when labor is under attack from so many directions, it is more important than ever that we give back to the labor movement that is the foundation of our collective success. Through this process, the solitary voice of one can be heard as a collective dynamic voice that levels the playing field in the political process for working families . When the labor movement succeeds, so do you as a Union member. Union membership ensures good benefits and good jobs for you and your family through collective bargaining . Again , we urge you to contribute to the OPEIU JB Moss VOTE fund in order to help elect candidates and influence legislation that will benefit working families that have made this country so strong . In Solidarity, Becky L. President Business Manager BLT:ma opeiu277 afl-cio Affiliated with Southwestern Education Conference -Texas State AFL-CIO -Tarrant, McLennan and Dallas Central Labor Councils ~· GROUP LIFE BENEFICIARY DESIGNATION I understand as long as I am qualified to receive additional commissions toward my health insurance coverage, I will be provided with $20,000 for group life coverage. Below is my beneficiary designation for the coverage if eligible: Name Relationship to me MOM AMBER BEAN Signature X Date (mm/dd/yy) 07/27/2020 American Income Life Insurance Company Executive Office: P.O. Box 2608, Waco, Texas 76797 (254) 761-6400 PERSONAL INFORMATION Name: Last HORN First CHRISTIAN Middle Birth Name CHRISTIAN HORN Address: Street Name and Number, City, State, ZIP 2524 FRISSE AVE , EVANSVILLE, IN 47714 Social Security Number *****0220 Date of Birth 07/01/2000 Home Phone 812-802-8913 Work Phone 812-802-8913 6SQY_g^ ?UOQY^Q $ Agency Name WEST JOSHUA J How long at current address? Previous address: Sex M Country Born In (Us, Canada, NZ, etc) USA Email Address CHRISTIAN.KANSAS@GMAIL.COM 4 YEARS Street, City, State, Zip 0 How long at previous address? YES NO Do you have an automobile? ! ! YES NO Do you currently hold an insurance license? Make/Model 9]UaQ]g^ ?UOQY^Q $ CHEVY/IMPALA 7720337705 YES NO Have you ever held an insurance license? ! ! Have you ever been refused, or had suspended or revoked, an insurance license? YES NO Have you ever been charged with, or convicted of, a misdemeanor or felony? YES NO ! ! >R eJQ^f' []ZaUPQ ;c[WMYM_UZY MYP 8Z`]_ 9ZO`XQY_M_UZY ! ! YES NO Has your application for bond ever been declined? ! ! >R eJQ^f' SUaQ 9M_Q MYP ;c[WMYM_UZY >R eJQ^f' SUaQ 9M_Q MYP ;c[WMYM_UZY ! ! How did you hear about this opportunity? ' ' ' ' ' ' ' RMS (7) Personal Recruit (8) Newspaper Ad (1) College Recruitment (6) Personal Acquaintances (0) Friends (0) Family (0) ' ' ' ' ' ' ' Retail/Service Industry (0) Random Introduction (0) Friends and Family Event (0) In-Home Laptop Referral (0) Career Fairs (0) Internet Postings (0) Other (0) (Please Specify) __________________________ Give the names and addresses of two references (not relatives) that have known you for at least one year. Name: AMBER BEAN Address: EVANSVILLE,IN Name: Address: I have also signed the Consumer Notification and Consumer Authorization form. Signature of Applicant X Date (mm/dd/yy) 07/27/2020 American Income Life Insurance Company Executive Office: P.O. Box 2608, Waco, Texas 76797 (254) 761-6400 Name: Last HORN First CHRISTIAN Middle EMPLOYMENT (Minimum of Five Years Listing Present Employer First) If more space is needed, please use back of form or attach an additional page & employment & unemployed & school From JUL/2015 To JUL/2020 Company Address CHICK'FIL'A EVANSVILLE Type of Business Position FOOD SERVICE TEAM LEAD Your duties MANAGE TEAM AND CUSTOMER SERVICE & employment & unemployed & school From Salary 0 Phone N/A Reason for leaving: BETTER OPPORTUNITY To Salary Company Address Phone Type of Business Position Reason for leaving: Your duties & employment & unemployed & school From Company Address Phone Type of Business Position Reason for leaving: To Salary Your duties EDUCATION AND ACTIVITIES SCHOOL ADDRESS MAJOR Degree, Diploma, License or Certificate Conferred DATES ATTENDED High School College Other Other special knowledge, skills or qualifications: Special training and recognition, including Military, individual courses, Adult Education, awards, professional designations or certificates: Hobbies or other activities: FAMILY INFORMATION NAMES OF YOUR FAMILY MEMBERS DATE OF BIRTH SPOUSE: CHILD: CHILD: CHILD: CHILD: BUTZXK_X 7RUQT^RKSY2 7RUQT^KW In case of emergency notify: Name AMBER BEAN In case of emergency notify: Name 3JJWKXX Phone Address EVANSVILLE Phone (812)589-8993 Address Phone American Income Life Insurance Company Executive Office: P.O. Box 2608, Waco, Texas 76797 (254) 761-6400 & employment & unemployed & school From Company Address Phone Type of Business Position Reason for leaving: To Salary Your duties & employment & unemployed & school From Company Address Phone Type of Business Position Reason for leaving: To Salary Your duties & employment & unemployed & school From Company Address Phone Type of Business Position Reason for leaving: To Salary Your duties & employment & unemployed & school From Company Address Phone Type of Business Position Reason for leaving: To Salary Your duties & employment & unemployed & school From Company Address Phone Type of Business Position Reason for leaving: To Salary Your duties & employment & unemployed & school From Company Address Phone Type of Business Position Reason for leaving: Your duties To Salary #!" ?ad_!!!! %JWh*!GahW_TWd!.,-3& =WbSdf_W`f!aX!fZW!LdWSegdk!! B`fWd`S^!JWhW`gW!KWdh[UW! %+26+45!,03!&'71'8+3! #*+/5-,-)'5-0/!$6.(+3!'/*!"+35-,-)'5-0/ ;Q^M!9WZU!\W!\PM!! ZMY]M[\MZ'!7W!VW\! [MVL!\W!\PM!=CD' "!;W!\W!333"+01"*.2#&.0-'$!NWZ!QV[\Z]K\QWV[!IVL!\PM!TI\M[\!QVNWZUI\QWV' )!!GS_W!%Se!eZai`!a`!kagd![Ùa_W!fSj!dWfgd`&*!GS_W![e!dWcg[dWV!a`!fZ[e!^[`W7!Va!àf!^WShW!fZ[e!^[`W!T^S`]* CHRISTIAN HORN BZQV\!WZ!\aXM'! KWW!DXMKQNQK!=V[\Z]K\QWV[!a`!bSYW!/* *!!;ge[`Wee!`S_W+V[edWYSdVWV!W`f[fk!`S_W(![X!V[XXWdW`f!Xda_!STahW ,!!>jW_bf[aè!%UaVWe!Sbb^k!a`^k!fa! UWdfS[`!W`f[f[We(!àf![`V[h[VgSê7!eWW! [èfdgUf[aè!a`!bSYW!/&6 +!!<ZWU]!Sbbdabd[SfW!Taj!Xad!XWVWdS^!fSj!U^See[X[USf[a`!aX!fZW!bWdea`!iZaeW!`S_W![e!W`fWdWV!a`!^[`W!-*!<ZWU]!a`^k!WVM!aX!fZW! Xa^âi[`Y!eWhW`!TajWe*! 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[`Xad_Sf[a`* American Income Life Insurance Company Executive Office: P.O. Box 2608, Waco, Texas 76797 (254) 761-6400 CONSUMER NOTIFICATION AND AUTHORIZATION This is to be used to inform you that a consumer report or an investigative consumer report is being obtained from a consumer reporting agency, and an agent search done through Vector One, for the purpose of evaluating you for contract, promotion, re-assignment, or retention as an agent or public relations person. This report may contain information bearing on your credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living from public record sources or through personal interviews with your neighbors, friends, or associates. You may also have a right to request additional disclosures regarding the nature and scope of the investigation. I certify that my answers are true and complete to the best of my knowledge. I AUTHORIZE ANY CONSUMER REPORTING AGENCY, or any other organization, or person having knowledge of my character, reputation and financial position to give American Income Life Insurance Company and NXW FKKNPNFXJW $_XMJ 5SQTFR]`% FR] FRI FPP WYHM NRKSVQFXNSR( ; YRIJVWXFRI XMFX XMJ NRKSVQFXNSR SGXFNned by use of this authorization will be used by the Company to determine eligibility for agent appointments, and for other business purposes in connection with our relationship. I hereby release the above parties from all liability for any damage that may ensue from furnishing any information in response to this authorization. I give my consent to American Income Life Insurance Company to perform periodic criminal and credit history background checks in any state, including Georgia, prior to, and up to, termination of my appointment with American Income Life Insurance Company and its affiliates. I understand that any information obtained will not be released by Company or its affiliates to any person or organization except to persons or organizations performing business or legal services in connection herewith. However, American Income Life Insurance Company may release such information to any of its affiliates in connection with my request for an appointment with such affiliate(s). I know that I may request to receive a copy of this authorization and the report. I understand and agree that a photographic copy of this Authorization shall be valid as the original. Signature CHRISTIAN HORN Print Name 07/01/2000 Date of Birth (for identification purposes only) *****0220 Social Security Number (for identification purposes only) If name changed (through marriage or otherwise) print former name here 07/27/2020 Signature Date ! Hifmx0Gligo#Ekirx2Ekirg}#Eyxlsvm~exmsr#Jsvq# @GEUPS! <OG! <QGSCUKPOT&! 882! FDC! @GEUPS! <OG! $EPMMGEUKWGMZ! XKUJ! KUT! CHHKMKCUGT&! "@GEUPS! <OG"%! NCOCIGT! 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It violates the law and will not be tolerated. Agents, State General Agents or others who are affiliated with or conduct business with American Income Life may have their relations with the company severed if they commit acts of sexual harassment. Sexual harassment includes making sexual activity a condition or requirement of a person's work, whether this is done directly or indirectly. It also includes any unwelcome sexual advances, offensive teasing or jokes, intimidation, humiliation, sexually suggestive comments or pictures, or unwelcome touching, or a hostile work environment. "Unwelcome" means when you know or should know that a person will find the conduct to be undesirable or offensive. It certainly includes when the person says or indicates through his or her actions that the conduct is undesirable. "Stop" means stop and "no" means no. This policy is in effect at all times and in all places where agents or others who are affiliated with American Income Life are present or where American Income Life's business is being conducted. If you feel that you have been subjected to or have observed an act of sexual harassment, you should immediately report such occurrence to your supervisor, office manager, the State General Agent, or if you would prefer, to Tyler Turner, OPEIU Local 277 President and Senior Business Representative at tyler@opeiu277.org or (817) 246-4981. A prompt investigation will be conducted. Efforts will be made to preserve as much confidentiality as can be achieved under the circumstances. You will be protected from any retaliation or adverse action based on any report you make in good faith. If it is determined that sexual harassment has occurred, appropriate steps will be taken to end the harassment, provide appropriate assistance or counseling to the victim, prevent the misconduct from recurring and impose appropriate disciplinary or other action against the perpetrator. # Globe Life Family of Companies Social Media and Digital Asset Policy Summary For Independent Contractors We understand as an independent contractor with American Income Life Insurance Company and National Income Life Insurance Company you may be eager to identify yourself as a part of the American Income Life and National Income Life organization online and on Social Media. Doing so, can be a positive way to connect with customers and potential recruits. The Social Media and Digital Policy are here to serve as a guide to ensure there is no confusion or misrepresentation of American Income Life. As an Agent, you must identify yourself with your name when posting on the internet. You are not a Company spokesperson; therefore you must make clear that you are speaking for yourself. You can use wording like "The postings on this site are my own and do not necessarily represent the position, strategy or opinions of my workplace." You are personally responsible for the content you publish online. Use common sense and remember that the internet never forgets and never deletes. When unsure please contact our Social Media department for guidance. Do not comment on customer related matters or internal organizational matters related to your Agency online. Never use racial slurs, personal insults, or obscenities. Give proper consideration for others' privacy and most definitely for topics that are considered objectionable or inflammatory, such as religion and politics. Think about the possible consequences of your posting. It could result in lost sales, negative personal and Company reputation issues, and even legal consequences. Never give out personal information about customers or other associates of the Company. Make sure you are always honest and accurate when posting information online. If you make a mistake, correct it quickly. You r un uthor z d to t Com ny tr m rked m nd og onl unle you have been granted permission by the Company. You must adhere to all to Advertising Gui s" w n using th Com ny m rks. Th Com ny og m y not b t r d n ny w y. Any violations or perceived violations of the Social Media and Digital Policy should be reported to socialmedia@globe.life. The Company will investigate and respond to all reports of violations of this Policy. I acknowledge and agree to the Globe Life Family of Companies' Social Media and Digital Policy. CHRISTIAN HORN Printed Name Signature Updated Social Media Policy for Independent Contractors 77 form 08/2019 07/27/2020 Date Globe Life Family of Companies Social Media and Digital Asset Policy For Independent Contractors Globe Life Inc. and its affiliate companies (American Income Life Insurance Company, National Income Life Insurance Company, Globe Life And Accident Insurance Company, Liberty National Life Insurance Company, United American Insurance Company, First United American Life Insurance Company, and Family Heritage Life Insurance Company) (individually and collectively, the "Company") take no position on your individual decision to start or maintain a blog or participate in other social media activities. However, it is the right and duty of the Company to protect itself from unauthorized disclosure of information, and to safeguard its reputation and brands. The Social Media and Digital Asset Policy of Globe Life Inc. and its affiliates (the "Policy") includes guidelines for Company-authorized social networking, personal social networking, and local digital content. Please also see the Com ny Social Media Guidelines and Social Media Etiquette. General Provisions "Social Media Communication" includes blogging, video postings, Wiki postings, Facebook, Twitter, LinkedIn, Flickr, Google+, Tumblr, Pinterest, Snapchat, Instagram, chat rooms, online journals, diaries, personal newsletters, etc. Unless specifically authorized, independent contractors are restricted from speaking on behalf of Globe Life Inc. or any of its affiliates. Independent contractors may not publicly disclose, by way of Social Media Communication or otherwise, nonpublic information regarding t Com ny c um r , custom r , products, employees or independent contractors. Independent contractors are expected to prot ct th Com ny pr vacy, as well as the privacy of its employees, independent contractors, consumers, and customers, and they are prohibited from disclosing personal, proprietary and nonpublic information to which they may have access. Monitoring of Electronic Facilities Independent contractors are cautioned that they should have no expectation of privacy using the Internet. Independent contractor postings can be reviewed by anyone, including other independent contractors, consumers, customers and others associated with the Company. Globe Life Inc. and its affiliates reserve the right to monitor and review comments or discussions about the Company, its employees and independent contractors, consumers, customers and the industry, including products and competitors, posted on the Internet by anyone, including its independent contractors. Confidential Information ur nt to t ir r ct ve contr ct , t Com ny nt contr ctor r obl g t d to maintain the confidentiality of trade secrets and private or confidential information of the Company and/or its consumers, customers, business associates, employees, independent contractors and/or others who are associated with or work on behalf of the Company. This may include information regarding the development of systems, processes, products, know-how and technology. Do not post internal reports, policies, procedures or other internal business-related confidential communications. Notwithstanding anything to the contrary herein, you may be entitled to immunity and protection from retaliation under the Defend Trade Secrets Act of 2016 Updated Social Media Policy for Independent Contractors 77 form 08/2019 for disclosing a trade secret under certain limited circumstances, as set forth in the Globe Life Inc. Code of Business Conduct and Ethics as adopted by the various Globe Life Family of Companies. Be Honest and Accurate Make sure you are always honest and accurate when posting information or news in your Social Media Communication, and if you make a mistake, correct it quickly. Be open about any previous posts you have altered. Remember that the Internet archives almost everything; therefore, even deleted postings can be searched. Never post derogatory comments or rumors about the Company, past or present employees, other independent contractors, members, consumers, customers, business associates and/or other people associated with or working on behalf of the Company. Avoid Harmful or Rude Behaviors Independent contractors should refrain from rudeness or unprofessional behavior toward a consumer or customer, or anyone who is in contact with the Company. Independent contractors should not be discourteous or disrespectful to a consumer or customer or any member of the public while representing the Company. Each independent contractor is expected to work in a cooperative manner with consumers, customers, Company personnel, other independent contractors, and others associated with or working on behalf of the Company. Comments About the Company Do not cr t nk rom your blog, w t or ot r c tworking sit to t Com ny website(s) without identifying yourself as an independent contractor for the Company. Express only your personal opinions. Never represent yourself as a spokesperson for the Company. If the Company is a subject of the Social Media Communication you are creating, be clear and open about the fact that you are an independent contractor for the Company and make it clear that your views do not represent those of the Company, fellow independent contractors, Company personnel, consumers, customers, business associates and/or others associated with or working on behalf of the Company. If you do publish a blog or post online related to the work you do or subjects associated with the Company, make it clear that you are not speaking on behalf of the Company, and include a disclaimer such as "The postings on this site are my own and do not necessarily reflect the views of the Company." Offensive or Inappropriate Social Media Communication Independent contractors are strongly cautioned against creating or disseminating Social Media Communication that is discriminatory, harassing, intimidating, threatening, lewd, offensive, coercive, abusive, demeaning or otherwise unprofessional towards the Company or its employees, consumers, customers, business associates, or others who are associated with or work on behalf of the Company. Use of the Company's Trademarks Globe Life Inc. and its affiliates own trademarks for their various and respective corporate and product names and logos. An independent contractor of t Com ny trademarked names and logos in t nd nt contr ctor oc Medi Communic t on, marketing, recruiting and training materials (collectively, "Independent Contractor Materials") is rm bl only by w y of t Com ny gr nt of a license to the independent contractor authorizing such use. The Company reserves the right to review and approve any and all use of Updated Social Media Policy for Independent Contractors 77 form 08/2019 its names and logos in Independent Contractor Materials prior to such use. With regard to names and logos associated specifically with Globe Life Inc., absent express authorization from the Company, independent contractors are not authorized to use the Globe Life Inc. "globe" logo in Independent Contractor Materials, and may only use the Globe Life Inc. name or derivations thereof (e.g., Globe Life Incorporated, Globe Life, GLI, etc.) when same are used to reference that Globe Life Inc. is the parent company of a given affiliate (e.g., "American Income Life Insurance Company is a wholly owned subsidiary of Globe Life Inc."). Independent Contractor Materials should never state or suggest that the nt contr ctor or t nt contr ctor agency office is owned by or directly associated with Globe Life Inc. and/or any of its affiliates. Rather, Independent Contractor Materials should clearly identify the independent contractor and/or the independent contr ctor agency office. t Advert ng Gui s" h r n. Local Digital Media By agreement with its independent contractors who own and operate one or more agency offices, the Company assists in the creation and maintenance of Internet microsites related to those contr cto respective offices. Such microsites help to promote brand consistency and generate positive online reputation. The Company authorizes independent contractors who own and r t on or mor g ncy o c to cc t Com ny Hearsay Social account in order to manage their respective offices' Social Media Communication. As a guideline, the Company provides preapproved content in the Hearsay Social Content Library for use by such independent contractors. In the interest of reputation management and branding consistency, agency office business pages should use the Com ny recommended naming scheme and brand graphics. Th Com ny var logos may not be altered and used on local digital media. Advertising Guidelines "Advertising" means any material, whether digital or otherwise, that is used to promote interest in the Company or its products. Independent contractors are ncour d to t Com ny preapproved advertising materials to assist with prospecting efforts. These preapproved advertising materials can be used immediately, thus maximizing efficiency. Preapproved advertising materials that are manipulated, altered or modified in any manner become unique advertising materials that must be reviewed and approved by the Company prior to use. If you choose to create your own advertising materials, you must follow this Policy and other Company guidelines, including t Com ny dvert sing ubm on r quirem nt K p n mind t t some advertising requires state approval, which can take 90 days or more to obtain. Independent contractors who own and operate one or more agency offices are responsible for reviewing advertising materials created by the independent contractors in those respective offices in order to ensure that they comply with this Policy. Such advertising materials must comply w th thi ol cy nd ot r gui ound on t Com ny g ncy o c -facing website, and must be submitted to the Company for its review and approval prior to use. Reporting Violations The Company requests and strongly urges independent contractors to report any violations, rc v d viol t or bl viol t of thi ol cy to t Com ny oc Medi Committee (socialmedia@globe.life). Updated Social Media Policy for Independent Contractors 77 form 08/2019 Corrective Actions for Violations The Company will investigate and respond to all reports of violations of this Policy and other related policies. Violation of this Policy will result in disciplinary action, up to and including immediate contract termination pursuant to the terms of the contract. Discipline or contract termination will be determined based on the nature and factors of the Social Media Communication and/or Independent Contractor Materials in question. CHRISTIAN HORN Name (Printed) 07/27/2020 Signature Updated Social Media Policy for Independent Contractors 77 form 08/2019 Date American Income Life Insurance Company Executive Office: P.O. Box 2608, Waco, Texas 76702 (254) 761-6400 Agent Acceptable Use Agreement We recognize that Agents collect and possess Company and Customer information in both electronic and paper forms in order to sell new business and service existing policyholders. Where approved for use by the Company, agents need to be able to utilize computers, mobile devices, applications, and other technology to access, collect, process, store, or modify the information necessary for you to perform your contractual responsibilities. Malicious organizations are constantly exploring avenues of attack against all types of businesses, including insurance companies. The type of information regularly collected from customers (personal information, health information, credit card or bank account numbers, etc.) is highly attractive to hackers, since it is easy to sell for a profit. Agents play an important role in the Company's information security and risk minimization efforts due to the nature of our business. Prioritizing the protection of this confidential information is critical to providing prospective and current customers with a much-needed sense of security and is vital to your efforts to acquire and retain business. Reducing threats to the confidentiality, integrity, and availability of Company information will also enable the Company and its agents to continue to operate effectively and efficiently. Your steadfast attention to, and compliance with, the following minimum information security requirements is necessary to ensure our joint success in this regard. Minimum Information Security & Risk Mitigation Requirements 1. Utilize the following password safeguards to prevent individuals from improperly accessing Company information: a. "Complex" or "strong" passwords should be used to access the Company's computer networks: i. Passwords should be at least 8 characters long. ii. Passwords should not be recognizable "dictionary" words. iii. Passwords should consist of a combination of UPPERCASE characters, lowercase characters, numbers, and special characters (!@#$%"&*). iv. Common passwords (such as an uppercase character followed by six lowercase characters and a special character) should be avoided. b. Passwords should be kept private and not shared with anyone. c. At least every 90 days, passwords should be changed on any devices used to access, collect, process, store, or modify Company information. d. The same passwords should not be used for both work and personal items, like one's bank account, social media account, personal email or online shopping, or for multiple work items. 2. Maintain updated anti-malware/anti-virus software on any laptop or computer used to access, collect, process, store, or modify Company information. Updated Agent Acceptable Use Agreement 66 form 08/2019 3. When any device used to conduct Company business or used to access Company information is lost or stolen, notify the Company immediately at 469.617.4949 or via email at soc@globe.life, to enable us to respond quickly and protect against the potential loss of confidential information. 4. We recommend not opening any emails, providing log-in information to any websites, or clicking on any internet links that look suspicious or are potentially inappropriate or malicious. If this occurs on any device used to access Company information, contact the Company immediately at 469.617.4949 or via email at soc@globe.life for assistance and guidance. Please also forward any suspicious emails to soc@globe.life. 5. Only send by email as much Private Information (PI) as is required to complete any of your contractual responsibilities. PI includes, but is not limited to, names, addresses, phone numbers, dates of birth, Social Security numbers, payment card information, financial information, and medical information. 6. Do not leave any documents with Company information or devices used to conduct Company business unattended in public places (i.e. in vehicles, public areas, airports, etc.). For example, do not leave any such documents or devices in your car during hours in which you are not making sales or service calls representing the Company. 7. Log out of any applications, websites, or systems used to access, collect, process, store, or modify Company information and lock (i.e. password protect, place a PIN or code on, etc.) any such device when no longer in use. 8. Properly store, secure and dispose of all Company information assets, including personal information of any prospective or current customers (i.e. PII, protected health information, or financial information) in accordance with applicable state and federal laws and regulations. 9. In the event of suspected or actual unauthorized access, use, or disclosure of Company information, agents are expected to cooperate fully with Company personnel during any investigations reasonably deemed necessary by the Company. Full cooperation includes, but is not limited to, allowing the Company access to any devices used by the agent to conduct Company business, regardless of whether the device is owned by the agent or the Company. We will make reasonable efforts to ensure the privacy of the agent during any such investigation. 10. When using public Wi-Fi, verify, if possible, the name of the network with the establishment providing the Wi-Fi connection. If logging into websites that access or utilize our customer's private information, only use public Wi-Fi as much as is required to complete your contractual responsibilities. If it is necessary for you to use public Wi-Fi on a regular basis, please contact the Company at the above-listed phone number or email address for more information on how to do this safely. 11. Securely wipe any personal device you have used to store or access Company information before reuse or disposal. Updated Agent Acceptable Use Agreement 66 form 08/2019 Acknowledgement CHRISTIAN HORN I,____________________[printed name], acknowledge that I have read and agree to comply with the above minimum information security requirements, for which I am responsible as an agent contracted with the Company. I understand that if I violate a provision of this agreement, I may be subject to appropriate disciplinary action, up to and including termination of my relationship with American Income Life Insurance Company. Signature:____________________________ 07/27/2020 Date:_________________ Updated Agent Acceptable Use Agreement 66 form 08/2019 FAIR CREDIT REPORTING ACT Disclosure Statement and Authorization DISCLOSURE STATEMENT In connection with your application for and or continued appointment with 'eYV n<`âR_jo() eYV <`âR_j ^Rj `SeRZ_ consumer reports and/or investigative consumer reports 'eYV nJVa`cedo(+ B_ T`__VTeZ`_ hZeY eYV Reports, the Company may inquire into your consumer credit history, education, professional licensing, criminal history, driving history, character, abilities, work habits, mode of living, residency, immigration status, general reputation, personal characteristics, performance, experience, reasons for termination of past employment and other qualities pertinent to your qualifications for appointment. If the Company should obtain information bearing on your credit worthiness, credit standing or credit capacity for reasons other than as required by law, then the Company will use such credit information to evaluate whether you would present an unacceptable risk of theft or other dishonest behavior in the appointment for which you are being evaluated. The Company will not use the report in violation of any Federal or State equal opportunity laws or regulations. AMERICAN INCOME LIFE INSURANCE COMPANY Under the Fair Credit Reporting Act, the Company is required to inform you if an offer of appointment is withheld due in whole or in part, to information contained in the Reports and, if you request in writing within a reasonable period of time after receipt of this notice, the Company will provide you a copy of the Reports. If an adverse action is taken during your appointment, up to and including termination from appointment, due in whole or in part, to information contained in the Reports and, if you request in writing within a reasonable period of time after receipt of notice of adverse action, the Company will provide you a copy of the Reports. The Company can be contacted by mail at PO BOX 2608 WACO, TX 76702 , and the Company can be contacted by phone at 254-761-6400 . You may request more information about the nature and scope of any investigative consumer reports, and the contact information of any consumer reporting agencies from whom the Company obtains your background reports, by contacting the Company. A summary of your rights under the Fair Credit Reporting Act, and additional state law notices as required, are also being provided to you below with this Disclosure Statement and Authorization. Please complete and sign the Authorization and Release below, authorizing any party including, but not limited to, employers, law enforcement agencies, state agencies, institutions and private information bureaus or repositories, to furnish any or all of the information described above. Upon your request, a copy of this Authorization will be provided to you. '(,*#&#-+#+# AUTHORIZATION AND ACKNOWLEDGMENT I acknowledge receipt of the Disclosure Statement regarding consumer and/or investigative reports and the Summary of Your Rights Under the Fair Credit Reporting Act and certify that I have read and understand both of the documents. I voluntarily and knowingly authorize the Company or its authorized agents, for appointment purposes only, to obtain consumer reports or investigative consumer reports as part of the process of my applying for appointment. I understand that if the Company appoints me or contracts for my services, my consent will apply, and the Company may obtain Reports, throughout my appointment. I understand that Reports may include information about my prior employment or military record, education, credit worthiness and history, character, general reputation, personal characteristics, criminal record, and mode of living. I understand that this information may be obtained through a variety of sources, including, but not limited to, public records, educational institutions, financial institutions, credit bureaus, and personal interviews with my current and former employers, friends, neighbors and associates. I understand that upon written request to the Company, I will be informed whether a Report was requested and given information as to the nature and scope of the Report. I hereby authorize AMERICAN INCOME LIFE INSURANCE COMPANY to perform criminal and credit history background checks in any state, including Georgia, prior to and up to, termination of my appointment with AMERICAN INCOME LIFE INSURANCE COMPANY and its affiliates. I request any current or former employer, educational institution, law enforcement department or agency, court, credit bureau, financial institution, licensing agency, governmental agency including the U.S. Armed Forces, or other individuals, organizations and sources to release and furnish any and all information on me that is requested by the Company and/or other consumer reporting agencies hired by the Company. A photocopy of this authorization shall have the same force and effect as the original and shall be valid for this and any future reports or updates that may be requested. I agree to assist and cooperate with eYV <`âR_jpd Z_gVdeZXReZ`_ `W ^j SRT\Xc`f_U) Z_T]fUZ_X ac`gZUZ_X R]] eYV _VTVddRcj U`Tfments requested by the Company. California applicants only: By signing below, you also acknowledge receipt of A Summary of Your Rights Under the Provisions of California Civil Code Section 1786.22. New York applicants only: By signing below, you also acknowledge receipt of Article 23-A of the New York Correction Law. Washington State applicants only: By signing below, you also acknowledge receipt of A Summary of Your Rights Under the Washington Fair Credit Reporting Act. For California, Minnesota, and Oklahoma applicants only: Please check the appropriate box to indicate if you would like to receive a copy of your consumer report and/or investigative consumer report free of charge if one is obtained by the Company. & & Yes No 07/27/2020 Signature of Applicant Date '(,*#'#-+#+# Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. l You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment m or to take another adverse action against you m must tell you, and must give you the name, address, and phone number of the agency that provided the information. l You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting age_Tj 'j`fc nWZ]V UZdT]`dfcVo(+ Q`f hZ]] SV cVbfZcVU e` ac`gZUV proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: l a person has taken adverse action against you because of information in your credit report; l you are the victim of identity theft and place a fraud alert in your file; l your file contains inaccurate information as a result of fraud; l you are on public assistance; l you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. l You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. l You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. l Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. l Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '(,*#(#-+#+# l Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. l You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore. l BQV ODPY NLOLU [RSHTFSHHPHG\ QIIHST QI FSHGLU DPG LPTVSDPFH YQV JHU EDTHG QP LPIQSODULQP in your credit report. M_d`]ZTZeVU nacVdTcVV_VUo `WWVcd W`c TcVUZe R_U Z_dfcR_TV ^fde Z_T]fUV R toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-5OPTOUT (1-888-567-8688). l You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. l Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact: TYPE OF BUSINESS: 1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates. CONTACT: a. Consumer Financial Protection Bureau 1700 G Street, N.W. Washington, DC 20552 b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB: b. Federal Trade Commission: Consumer Response Center m FCRA Washington, DC 20580 (877) 382-4357 2. To the extent not included in item 1 above: a. National banks, federal savings associations, and a. Office of the Comptroller of the Currency federal branches and federal agencies of foreign Customer Assistance Group banks 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050 b. State member banks, branches and agencies of b. Federal Reserve Consumer Help Center foreign banks (other than federal branches, federal P.O. Box 1200 agencies, and Insured State Branches of Foreign Minneapolis, MN 55480 Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act '(,*#)#-+#+# c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106 d. Federal Credit Union d. National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 1775 Duke Street Alexandria, VA 22314 Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590 Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423 Nearest Packers and Stockyards Administration area supervisor Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, S.W., 8th Floor Washington, DC 20416 Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090 FTC Regional Office for region in which the creditor operates or Federal Trade Commission: Consumer Response Center m FCRA Washington, DC 20580 (877) 382-4357 3. Air carriers 4. Creditors Subject to the Surface Transportation Board 5. Creditors Subject to the Packers and Stockyards Act, 1921 6. Small Business Investment Companies 7. Brokers and Dealers 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations 9. Retailers, Finance Companies, and All Other Creditors Not Listed Above '(,*#*#-+#+# ADDITIONAL STATE LAW NOTICES If you are a Maine, Massachusetts, New York, Oregon or Washington State applicant or contractor, please also note: Maine applicants only: You have the right, upon request, to be informed of whether an investigative consumer report was requested from a consumer reporting agency, and if one was requested, the name and address of the consumer reporting agency furnishing the report. You may request and receive from the Company within five business days of our receipt of your request, the name, address and telephone number of the nearest unit designated to handle inquiries for the consumer reporting agency issuing an investigative consumer report concerning you. You also have the right, under Maine law, to request and promptly receive from all such agencies copies of any such reports. Massachusetts applicants only: If the Company requests an investigative consumer report from a consumer reporting agency, you have the right, upon written request, to a copy of the report. New York applicants only: You have the right, upon request, to be informed of whether or not a consumer report was requested from a consumer reporting agency. If a consumer report is requested, you will be provided with the name and address of the consumer reporting agency furnishing the report. You may inspect and receive a copy of the report by contacting that agency. Oregon applicants only: Information describing your rights under federal and Oregon law regarding consumer identity theft protection, the storage and disposal of your credit information, and remedies available should you suspect or find that the Company has not maintained secured records is available to you upon request. Washington State applicants only: If the Company requests an investigative consumer report from a consumer reporting agency, you have the right, upon written request made within a reasonable period of time after your receipt of this disclosure, to receive a complete and accurate disclosure of the nature and scope of the investigation requested by the Company. You also have the right to request from the consumer reporting agency a written summary of your rights and remedies under the Washington Fair Credit Reporting Act. '(,*#+#-+#+#

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