Legacy Link Agency Inc.

Legacy Link has developed insurance-agency systems, technology, training, marketing processes, recruiting support, lead-generation capabilities, operating procedures, and leadership-development resources. Agency Owner wants to build and operate an independently owned insurance agency using those resources.

Agency Owner will operate through her own legal entity and under her own approved brand, while remaining connected to Legacy Link's carrier, contracting, training, technology, support, and hierarchy infrastructure as described in this Agreement.

Agency Owner will pay an initial agency-ownership investment of $50,000 in one upfront payment by wire transfer or other Company-approved method. Unless the parties sign a separate written amendment, no installment plan applies.

Payment is due after Agency Owner receives and signs the final Agreement and any disclosures required by applicable law, and before platform buildout, lead deployment, recruiting activity, onboarding, or the 10-day sprint begins.

The investment purchases the implementation, systems access, training, support, and buildout described in this Agreement. It is not a purchase of equity in Legacy Link, a deposit into an investment account, or a purchase of guaranteed earnings.

Except for the Active Participation Guarantee in Section 12 and any non-waivable right under applicable law, the investment is non-refundable once activation work begins. Any first-30-day cancellation or non-participation refund must be documented in a signed written termination statement identifying deductions for approved, documented, nonrecoverable third-party costs.

• Agency Owner owns her legal entity and independent agency brand.
• Agency Owner owns her client relationships, book of business, renewal interests, and agency hierarchy to the extent permitted by applicable law, carrier agreements, FMO/IMO agreements, vesting rules, and commission schedules.
• Agency Owner controls her own business bank account, bookkeeping, hiring decisions, payroll, tax elections, and administrative support, subject to law and carrier requirements.
• Agency Owner may build a public-facing identity distinct from Legacy Link, subject to truthful marketing, required disclosures, and any approved co-branding standards.

Nothing in this Agreement transfers ownership of Legacy Link's proprietary platform, CRM architecture, training library, scripts, standard operating procedures, automation logic, marketing methods, or confidential information.

• Provide the initial 10-day weekday Agency Owner Sprint and a 90-day launch plan.
• Provide ongoing coaching and access to applicable daily or weekly training.
• Assist with carrier contracting, appointment processing, case-design education, application workflow, and E&O planning.
• Provide or configure the CRM, agency-management platform, website, approved automations, communications tools, and reporting structure included in the program.
• Provide branding guidance and initial agency buildout support.
• Provide lead-generation and advertising support in phases based on Agency Owner's demonstrated capacity and compliance.
• Provide recruiting support and recruiting infrastructure. Agency Owner is not required to build the recruiting engine from scratch.
• Provide scripts, onboarding processes, sales resources, call-review tools, and operational procedures.
• Provide initial administrative support during launch, after which ongoing administration may become an Agency Owner expense under Schedule C.
• Assist with business-continuity planning so clients and agents can receive support if Agency Owner is temporarily unavailable.

Legacy Link will perform these responsibilities in good faith and with commercially reasonable care. Timing may depend on Agency Owner's responsiveness, licensing, carrier approvals, vendor availability, and compliance.

• Remain engaged, coachable, responsive, and available during the launch and development period.
• Complete licensing, contracting, E&O, compliance, and carrier requirements applicable to the activities she performs.
• Attend required training, case-design, leadership, and business-development sessions.
• Maintain and honor agreed appointment blocks, calls, meetings, and lead-follow-up commitments.
• Learn the policy lifecycle and personally observe or complete enough applications to explain the process accurately to her team.
• Maintain accurate CRM records, lead dispositions, appointment outcomes, case notes, and performance reports.
• Develop, support, and lead agents recruited or assigned into her hierarchy; Legacy Link supplies training infrastructure, but Agency Owner remains present as the owner and leader.
• Collaborate on content, community engagement, partnerships, webinars, and brand-building activities identified in the launch plan.
• Protect client interests, use suitable recommendations, follow all compliance requirements, and place people first.
• Consult her own attorney, CPA, tax adviser, and financial professionals. Legacy Link does not provide legal, tax, accounting, or investment advice and does not promise tax elimination or any specific tax result.

"Active Status" is based on participation and execution, not solely on sales results. An Agency Owner can remain Active even during a month with no placed production if she is performing the required business-building activities.

• Attend at least 85% of required live sessions during each calendar month.
• Give advance notice of a missed session when reasonably possible and complete the rescheduled session or assigned make-up work within the same week.
• Open and maintain the mutually agreed calendar blocks for appointments, calls, training, and leadership activity.
• Appear on time for scheduled prospect, client, candidate, carrier, and team appointments, except for a documented emergency or approved reschedule.
• Promptly contact assigned leads and complete the follow-up sequence stated in the current launch plan or SOP.
• Make the agreed calls, hold or appropriately reschedule appointments, and update each lead or appointment in the CRM within 24 hours.
• Participate in call review, coaching, role-play, and corrective training when performance indicates a skill gap.
• Submit required weekly activity and case reports truthfully and on time.
• Remain in good standing with licensing, carriers, compliance, E&O, and Company conduct standards.

Before suspending Active Status for ordinary performance issues, Legacy Link will provide written notice describing the issue and a reasonable correction plan. Agency Owner will have 10 business days to cure, unless immediate suspension is required by law, carrier directive, client protection, fraud, harassment, data-security risk, or other serious misconduct.

Agency Owner may request a temporary pause for illness, family emergency, or other material life event. The request should state the expected duration and coverage plan. During an approved pause, new lead routing and Active Participation Guarantee measurement may be suspended or extended for an equivalent period.

One isolated missed meeting or appointment does not by itself terminate Active Status when Agency Owner communicates promptly and completes the agreed make-up action.

Legacy Link will deploy leads in phases. The initial planning target is approximately 100 leads per month, but actual volume may increase, decrease, or pause based on quality, market conditions, vendor performance, compliance, Agency Owner's response time, appointment capacity, conversion data, and budget.

The 90-day launch plan may establish daily or weekly lead and appointment targets. The parties discussed scaling toward a fuller calendar, potentially including multiple appointments per day, only after Agency Owner understands the scripts, systems, and policy process.

Legacy Link does not guarantee a specific number of contacts, appointments, applications, issued policies, placements, sales, or conversions. Unworked leads may be reassigned. Agency Owner will not cold-call prohibited numbers or use lead data outside approved purposes.

Legacy Link will help recruit and provide the recruiting, onboarding, script, technology, and training infrastructure. Agency Owner's role is to be present, create culture, support the people in her hierarchy, collaborate with business owners, build her public brand, and develop agents into leaders.

Agents may participate in Company training and call-review systems. Agency Owner is not required to personally deliver every daily training session, but she is responsible for leadership presence, accountability, communication, and escalation of unresolved issues.

Agency Owner will not make unsubstantiated earnings, tax, product, or business-opportunity claims to candidates, agents, or clients.

• Personal commissions on eligible policies personally written or credited to Agency Owner.
• Applicable direct and deeper-hierarchy overrides on licensed insurance production, subject to carrier and hierarchy schedules.
• Renewals, residuals, carrier bonuses, persistency incentives, and promotions when offered and earned.
• Revenue from approved webinars, brand collaborations, or other ventures under separate written terms.

Carrier, FMO/IMO, and product schedules control actual compensation. Any reference to a 90% contract level or upfront percentage is illustrative unless confirmed in the applicable carrier contract. Advances may be charged back if a policy lapses, cancels, rescinds, or fails to place.

Compensation is tied to lawful licensed activity and placed business, not merely to recruiting. Agency Owner is responsible for reviewing each carrier schedule and understanding vesting, renewals, chargebacks, debit balances, and hierarchy rules.

The parties discussed an illustrative executive-bonus scenario using a $2,500 monthly premium: $2,500 × 12 × 90% = $27,000 of potential upfront commission. That calculation is an illustration only. It is not a promise that a policy will be suitable, approved, issued, paid, remain in force, or generate that compensation.

Any personal or business-owned insurance policy is a separate transaction requiring appropriate fact-finding, suitability, underwriting, carrier approval, premium funding, delivery, and compliance. Agency Owner is not required to purchase a policy solely to obtain the Partner Agency opportunity.

Any estimate of $250,000 in first-year agency revenue, $10,000–$15,000 monthly agency production, business valuation, close rate, lead return, or other performance result is illustrative and subject to substantiation and legally required disclosure. Actual results may be materially lower, including zero.

At the end of the first 14 full calendar months after activation, an Agency Owner who maintained Active Status for the full measurement period may qualify for a one-time Active Participation Guarantee review. A lack of placed production does not by itself disqualify an Agency Owner; failure to perform the required Active Status activities does.

If Cumulative Program Compensation is less than $60,000, Legacy Link will pay a conditional Guarantee Payment equal to the positive difference between $60,000 and Cumulative Program Compensation, subject to a maximum Guarantee Payment of $60,000.

"Cumulative Program Compensation" includes commissions, overrides, renewals, bonuses, stipends, support payments, lead-work compensation, Company-funded production, refunds, credits, and other amounts paid or credited to Agency Owner or her agency through the program. It excludes taxes and does not offset Agency Owner's independent business expenses unless expressly stated.

Eligibility requires complete and accurate CRM data, attendance records, appointment records, lead activity, licensing and compliance good standing, cooperation with performance reviews, and cure of any written deficiency. A material misrepresentation, fraud, intentional client harm, unlicensed activity, diversion of leads, or repeated uncured Active Status failure voids eligibility.

The Guarantee Payment is a contingent contractual payment tied to documented Active Status. It is not a promise that leads, appointments, policies, sales, or a particular level of production will occur, and it is not a representation of typical earnings.

The $50,000 initial investment includes the launch items listed in Schedule A. Ongoing operations may involve platform usage, messaging, email, calling, leads, advertising, premium integrations, carrier/E&O charges, third-party software, administrative support, travel, and professional-service expenses.

Legacy Link may initially fund approved launch expenses. After Agency Owner begins receiving compensation, Legacy Link may deduct or invoice only documented expenses authorized under Schedule C or a later written approval. Monthly statements must identify the category and amount.

Agency Owner remains responsible for her entity formation, banking, bookkeeping, payroll, taxes, independent staff, and expenses outside the written included-services list.

Agency Owner and every producer must maintain all required licenses, appointments, E&O coverage, carrier certifications, and continuing education. No person may solicit, advise, complete an application, receive compensation, or perform another regulated activity unless authorized.

Agency Owner will follow all applicable insurance, advertising, privacy, telemarketing, do-not-call, recordkeeping, suitability, replacement, anti-fraud, and carrier requirements.

Client needs and truthful recommendations come before production goals. Legacy Link may immediately suspend lead access, system access, or activity when reasonably necessary to protect a client, carrier, agent, or data system.

Agency Owner will maintain accurate business, client, case, expense, commission, lead, and personnel records. Legacy Link may access program-related records to provide support, verify compensation, audit Active Status, administer the hierarchy, respond to carriers, and meet legal obligations.

Each party will use personal information only for authorized business and legal purposes and will apply reasonable safeguards. Upon termination, the parties will cooperate on lawful data export, retention, client service, and access removal.

Agency Owner owns her approved independent brand. Legacy Link owns its names, marks, trade dress, operating system, training, scripts, automation logic, templates, CRM architecture, sales processes, marketing methods, and other proprietary materials.

Legacy Link grants Agency Owner a limited, nonexclusive, revocable, nontransferable license during the term to use authorized materials solely to operate the Partner Agency. Agency Owner may adapt Company templates for her agency only when Legacy Link approves the adaptation or the applicable template expressly permits it.

Each party will protect the other's nonpublic business, client, financial, technical, and strategic information. Confidentiality does not cover information that becomes public without breach, was lawfully known without restriction, is independently developed, or must be disclosed by law.

During the term and for 12 months after termination, neither party will knowingly use the other party's Confidential Information to solicit for a competing venture a client or agent first introduced through the other party, except through general advertising not targeted using Confidential Information.

This Agreement does not impose a blanket prohibition on working in insurance. Any restrictive covenant must be narrowly tailored, supported by applicable consideration, and enforceable under the governing law.

The parties will create a written continuity plan identifying who may service clients, support agents, access systems, handle urgent cases, and protect renewals if Agency Owner is temporarily unavailable.

Legacy Link may assign qualified support during a temporary absence. This support does not transfer Agency Owner's ownership rights and may be subject to documented reasonable expenses or a separate management agreement.

The initial term is 14 months from the Activation Date so the Active Participation Guarantee can be measured through the full guarantee period. After the initial term, platform and support access may continue month-to-month under the then-current written fee schedule unless either party gives 30 days' written notice.

Either party may terminate for a material breach that remains uncured after the notice period in Section 7. Legacy Link may terminate immediately for fraud, intentional misconduct, unlicensed activity, serious compliance risk, misuse of client funds or data, violence, harassment, or conduct likely to cause material harm.

Termination does not eliminate accrued payment obligations, chargebacks, confidentiality duties, intellectual-property restrictions, data duties, dispute obligations, or vested carrier rights. The final carrier and hierarchy agreements govern post-termination commissions and renewals.

Agency Owner is an independent business owner and is not an employee of Legacy Link. Agency Owner controls her entity, personnel, taxes, and day-to-day business decisions, subject to law, carrier requirements, and the agreed program standards.

Neither party may sign a contract, incur a debt, make a guarantee, or bind the other party without express written authority.

Legacy Link may provide education and introductions to third-party professionals, but Agency Owner must rely on her own licensed advisers. No statement about an LLC, S corporation, payroll, real estate, depreciation, living trust, executive bonus, policy design, or tax reduction is legal, tax, accounting, investment, or estate-planning advice.

No tax outcome, enterprise valuation, income level, sales level, commission level, close rate, or return is guaranteed except the limited contractual remedy in Section 12 if and only if all conditions are met.

Each party will be responsible for its own negligence, willful misconduct, legal violations, unauthorized representations, and breach of this Agreement. Agency Owner will be responsible for her entity, staff, payroll, taxes, client recommendations, and activities outside approved Company systems. Legacy Link will be responsible for its own systems, staff, representations, and contractual obligations.

Neither party waives liabilities that cannot lawfully be waived.

Before filing a claim, the parties will first meet in good faith within 15 business days after written notice and then participate in confidential mediation in Travis County, Texas, unless urgent injunctive relief is reasonably necessary.

This Agreement is governed by Texas law, without regard to conflict-of-law principles. Exclusive venue after mediation will be the state or federal courts serving Travis County, Texas, subject to non-waivable law.

Formal notices must be in writing and delivered by personal delivery, nationally recognized overnight service, certified mail, or email with confirmation to the addresses on the signature page. A party must promptly update its notice information.

This Agreement and its schedules are the entire agreement concerning the Partner Agency program and replace prior drafts, presentations, emails, and oral discussions on the same subject. A signed amendment is required to change a material term.

If a provision is unenforceable, it will be narrowed or removed to the minimum extent necessary while the remaining provisions continue. A waiver applies only to the specific instance stated in writing. Headings are for convenience. Counterparts and electronic signatures are permitted.

If a conflict exists, the following order controls: applicable law and required disclosures; carrier/FMO/IMO agreements for regulated compensation; this Agreement; signed schedules; the 90-day launch plan; then Company SOPs.

• Agency Owner had the opportunity to review this Agreement, ask questions, and consult independent legal, tax, accounting, and financial advisers.
• Agency Owner understands that the $50,000 payment is for services, systems, support, and implementation, not equity in Legacy Link or a passive investment.
• Agency Owner understands that showing up, making calls, honoring appointments, working leads, completing training, and communicating are material obligations.
• Agency Owner has not relied on an income or tax statement except as expressly included in the final signed Agreement and any legally required disclosure.