In connection with the sale or solicitation of offers to buy insurance, Representative agrees not to perform any unauthorized act on behalf of Osaic Institutions or any of its approved insurance carriers including, but not limited to, the following: make, waive, alter, modify or change any contract on behalf of Osaic Institutions or an insurance carrier; accept any check made payable to Representative or any other entity not entitled to receive such funds; endorse any check made payable to Osaic Institutions or an insurance carrier; waive or modify any policy or application provision, condition, or obligation; extend time for payment of any premium or past due premium; approve evidence of insurability; bind or otherwise commit Osaic Institutions or any insurance carrier to any risk beyond a carrier’s rules regarding Temporary Insurance Agreements and/or Conditional Receipts; or. In connection with each sale or solicitation of offers to buy securities or insurance products or to provide investment advisory services, Representative will deliver or cause to be delivered to the customer, in accordance with all applicable securities, investment advisory and insurance laws, rules and regulations, a current prospectus, offering memorandum, applicable Form ADV or such other documents that may be in effect and are required to be disclosed and Representative will make no representations to customers except as are contained in such prospectus, offering memorandum or other disclosure documents.