¹ Agency rules: We reserve the right to change the rules and/or qualifications due to influences of the DOL fiduciary rule. Six paid LIVES required to qualify. Please note that there will be no exceptions to the qualification rules. Other Notes: The producer must be in good standing with Concourse Financial Group Agency and all other carriers. Attendance is by invitation to producers only - no exceptions. Points earned are on paid business, are only as described above and hold no cash value. No buy-outs, alternatives or substitutions allowed. Producer will receive a 1099 at end of year for the trip. Times, dates, locations or qualification requirements may change without prior notice. Please note that the above qualifications are for independent producers only. Producers working at banks, other financial institutions and/or special groups may not be eligible and production requirements may vary. All producers in these channels should consult their insurance program manager and/or regional directors for trip eligibility and production requirements.

² Agency rules: No more than 25% of qualification points can come from disability products or traditional long-term care.

³ Securities rules: A qualifying Business Owner who also qualifies as a producing Financial Professional will be awarded a maximum of two invitations, plus guests. The qualification criteria (GDC required) may change during the year if changes to industry rules or regulations impact the qualification criteria. All qualifiers must be in good standing with Concourse Financial Group Securities, Inc. For the financial professional and guest, Concourse Financial Group Securities will arrange and pay for travel (reasonable airfare made in a timely manner as determined by Concourse Financial Group Securities or, if not airfare, mileage not to exceed the cost of airfare), transportation to and from the airport to the conference hotel on scheduled arrival/departure dates, conference meetings, scheduled conference meals, scheduled receptions, and reasonable baggage expenses (not to exceed a maximum of two (2) checked bags each for the advisor and guest). Invitations will be honored the duration of conference registration; invitations not accepted and registration not completed within the registration window will be void. For financial professional qualifiers, substitutions will not be allowed; an exception may be made in the case of an unlicensed Business Owner, whereby the Business Owner may nominate their substitute for Concourse Financial Group Securities’ approval. Concourse Financial Group Securities reserves the right to offer buy-in packages for the children of the qualifier. In accordance with Internal Revenue Service Code Section 1.74-1, the fair market value of the trip, for both the qualifier and guest, will be reported as income on the qualifier’s Form 1099.