Participating advisors must have a valid broker code with Canada Protection Plan and the broker code must remain in force and in good standing until the Loyalty Bonus Program (LBP) is paid out. Eligibility for the LBP is not transferable. The LBP is not a contractual obligation and Canada Protection Plan reserves the right to change it or cancel at its sole discretion. Cancellation of the LBP will not affect the entitlement of advisors to Bonus compensation earned prior to cancellation and not yet paid by Canada Protection Plan. Canada Protection Plan will set the amount of the Minimum NFYC to be entitled to the additional Bonus effective as of January 1 of each year. If in any calendar year an advisor receiving a LBP Bonus generates less than the Minimum NFYC, the advisor will no longer be entitled to a LBP Bonus. If in any subsequent year the advisor generates the Minimum NFYC for that year, he or she will be entitled to a LBP Bonus at the Bronze level. There will be no pro-rating of qualification requirements for advisors who contract with Canada Protection Plan during the qualification period. Qualification criteria cannot be transferred from one advisor to another. To qualify, there must be only one advisor submitting business per code. No credit split will be accepted. Where the involvement of an agent in a split case is solely to provide leads to another agent, Canada Protection Plan reserves the right to only pay the bonus to the writing agent. Canada Protection Plan reserves the right to charge back any loyalty bonus that has been paid on policies for which the commission has been charged back in the first two years. All eligible candidates must maintain an acceptable quality of existing business and follow industry and regulatory guidelines including full disclosure to their clients regarding participation in the Loyalty Bonus Program.

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