Qualification Requirements and Other Terms and Conditions

1. All advisors contracted with Equitable, with the exception of advisors employed by a National Account firm.

2. To receive a payment, an advisor must:
a) be properly licensed in the jurisdictions in which they carry on business;
b) be contracted with Equitable;
c) be in good standing with Equitable;
d) comply with all provincial and federal regulations; and
e) comply with applicable codes of conduct (including Equitable’s Advisor Code of Conduct), treating the client fairly obligations, and compensation and conflict of interest disclosure requirements.

3. Advisors are responsible for disclosing to clients any aspect of their participation in this sales campaign including conflict of interest and compensation disclosures.

4. Equitable reserves the right to determine in its sole and absolute discretion whether an advisor will receive a payment, regardless of satisfying the qualification requirements. The refusal to provide a payment or the option to chargeback the tiered amount paid as a bonus may occur for any reason whatsoever, including without limitation: compliance or conduct review or investigation; outstanding debt obligations; poor persistency prior to, during, or following the qualifying period; advisor not in good standing; non-compliance with legislation or Equitable rules and standards of ethics and conduct; failure to meet minimum persistency requirements; or if it would, in Equitable’s sole and absolute discretion, be inappropriate for the advisor to receive the payment.

5. All records with respect to qualification and eligibility are maintained by Equitable and are deemed to be accurate and conclusive. All decisions made by Equitable are final and binding.

6. Equitable reserves the right to amend, at any time and without notice, the qualification and eligibility requirements terms, or conditions of this sales campaign. Should a matter arise which is not addressed in this document, the decision of Equitable shall be final and binding.

7. The advisor will be responsible for reporting any income tax payable, if applicable.

8. Funds must be received in 2026 for deposits to be eligible for the 2026 bonus.

9. If Commissions are split on a policy, deposit credited toward each advisor will be in proportion to the commission split.

10. All surrenders are 100% attributable to the Advisor on Record at the time of surrender.

11. The bonus will be calculated and paid within 90 days following December 31, 2026. Delays may occur if Equitable is unable to confirm the required information from the advisor to pay the bonus.

12. Eligible program net deposits are deposits to contracts that fall within the criteria of Equitable’s standard contractual offering. Any exception request or special consideration outside of our standard offering are excluded from eligible deposits.

FOR ADVISOR USE ONLY

Past performance does not guarantee future performance. Any amount that is allocated to a segregated fund is invested at the risk of the contractholder(s) and may increase or decrease in value.