Enrollment Application – Advisor 02b – Certification Program – EULA 001

© 2014 John Galt Institute, Inc. ALL RIGHTS RESERVED. No part of this program, including manuals, instructional materials, audios, videos, software, files, components or any other items contained herein may be reproduced, modified, reverse engineered, disseminated or transmitted for resale or use by any party without the expressed written permission of the author. Licensees are the sole authorized users of this information only. Licensees are authorized to use the information in this training program for his or her own new client acquisition efforts only. Licensees are not authorized to use the information in this training program to augment, build, expand or promote a sales distribution organization. Licensees are authorized to use the program's training materials on a “Per Seat” single user basis only in cooperation with John Galt Institute, Inc. business development programs, John Galt Institute, Inc's strategic alliance partners. The Author reserves the right to change or limit the use of this training program. All other sharing or reproduction or transmission, in any form or by any means, electronic or mechanical, including photocopying, recording or by any informational storage or retrieval system, is prohibited without express written permission from the author.

LEGAL NOTICES: While all attempts have been made to provide effective, verifiable information in this training program and its training material, neither the Author nor Vendor assumes any responsibility for errors, inaccuracies, or omissions. Any slights of people or organizations are unintentional. If advice concerning tax, legal, compliance, or related matters is needed, the services of a qualified professional should be sought. This training program is not a source of legal, regulatory compliance, or accounting information, and it should not be regarded as such. This training program is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that neither the Author nor Vendor is engaged in rendering legal, accounting or other professional service. If legal advice or other expert assistance is required, the services of a competent professional person should be sought. Due to the nature of the financial services industry and the rules regulating business activities in this field, some practices proposed in this training program may be prohibited in certain circumstances and locations. Since federal and local laws differ widely, as do codes of conduct for members of professional organizations and agencies, Licensee must accept full responsibility for determining the legality and/or ethical character of any and all business transactions and/or practices adopted and enacted in his or her particular field and geographic location, whether or not those transactions and/or practices are suggested, either directly or indirectly, in this training program. As with any business advice, Licensees are strongly encouraged to seek professional counsel before taking action. NOTE: No guarantees of income or profits are intended by this training program. Many variables affect each individual's results. Your results will vary from the examples given. The Author nor Vendor cannot and will not promise your personal success. Neither the Author nor Vendor has any control over what you may do or not do with this training program, and therefore cannot accept the responsibility for your actions or your results. You are the only one who can initiate the action in order to reap your own rewards! Any and all references to persons or businesses, whether living or dead, existing or defunct, is purely coincidental. Materials within this training program have been registered with any combination of, or all of, the following U.S. intellectual property offices: the U.S. Copyright Office, the U.S. Trademark Office and/or the U.S. Patent Office and are fully protected by U.S. law. Any violations will be prosecuted to the fullest extent of the law. You are not allowed to share or use your user name, password and or user account with anyone. Doing so is a violation of the End User License Agreement and will result in immediate termination of your use rights license and/or member account access. John Galt Institute, Inc. member site platform carefully tracks all user login activities, including computer IP addresses. Allowing unauthorized access to your user account may result in violations of Federal and/or State intellectual property laws. Intellectual property infringements can result in serious fines of as high a $150,000.00 per copyright infringement incident. Theft of trade secrets can result in fines of up to $250,000.00 per incident. All intellectual property rights violations will be pursued to the fullest extent of the law.

CONFIDENTIALITY: It is understood and agreed to under this Confidentiality & Non-Disclosure provision of the Agreement (the “Agreement”), John Galt Institute, Inc. (the “Discloser(s)”) will exchange with the Licensee (Recipient) certain information that is considered confidential. To ensure the protection of such information and in consideration of the agreement to exchange said information, the parties agree as follows: The confidential information to be disclosed by Discloser under this Agreement (“Confidential Information”) can be described as and includes: Technical and business information relating to Discloser’s proprietary ideas, patentable ideas copyrights and/or trade secrets, existing and/or contemplated products and services, software, training materials, audios, videos, schematics, research and development, production, costs, profit and margin information, finances and financial projections, customers, clients, marketing, and current or future business plans and models, regardless of whether such information is designated as “Confidential Information” at the time of its disclosure. In addition to the above, Confidential Information shall also include, and the Recipient shall have a duty to protect, other confidential and/or sensitive information which is (a) disclosed by Discloser in writing and marked as confidential (or with other similar designation) at the time of disclosure; and/or (b) disclosed by Discloser in any other manner and identified as confidential at the time of disclosure and is also summarized and designated as confidential in a written memorandum delivered to Recipient within thirty (30) days of the disclosure. Recipient shall use the Confidential Information only for his or her own enrollment evaluation and/or new client acquisition efforts only. The Confidential Information may not be used by the Recipient to augment, build, expand or promote a sales distribution organization accept in partnership with John Galt Institute, Inc. business development programs, or John Galt Institute, Inc's strategic alliance partners only. The materials, ideas, concepts, trade secrets, components and intellectual properties in this program are authorized for access by the Recipient only and may not be shared with anyone anywhere in any named or anonymous capacity. Recipient understands that the materials, ideas, concepts, trade secrets, components and intellectual properties in this program are properties protected and secured by various intellectual property laws, specifically but not limited to U.S. and International Copyright law and/or U.S. and International Patent Law and/or U.S. and International Trade Secrets Law. Recipient understands that as a matter of Federal, State and International law, intellectual property law supersede the rights and authority of any and all internal and/or external corporate and/or regulatory compliance policy. Recipient understands that it shall limit disclosure of Confidential Information to its own immediate in office support staff and/or employees having a need to know and shall not disclose Confidential Information to any third party (whether an individual, corporation, or other entity) without the prior written consent of Discloser, and that any unauthorized disclosure may constitute violation(s) of U.S. and International Copyright law, U.S. and International Patent Law and U.S. and International Trade Secrets Law and this agreement. Recipient shall have satisfied its obligations under this paragraph if it takes affirmative measures to ensure compliance with these confidentiality obligations. This Agreement imposes no obligation upon Recipient with respect to any Confidential Information (a) that was in Recipient’s possession before receipt from Discloser; (b) is or becomes a matter of public knowledge through no fault of Recipient; (c) is rightfully received by Recipient from a third party not owing a duty of confidentiality to the Discloser; (d) is disclosed without a duty of confidentiality to a third party by, or with the authorization of, Discloser; or (e) is independently developed by Recipient. Discloser warrants that he/she has the right to make the disclosures under this Agreement. This Agreement shall not be construed as creating, conveying, transferring, granting or conferring upon the Recipient any rights or authority in or to the information exchanged, except the limited right to use Confidential Information as specified in this agreement. Neither party has an obligation under this Agreement to purchase any service, goods, or intangibles from the other party. Discloser may, at its sole discretion, using its own information, offer such products and/or services for sale and modify them or discontinue sale at any time. Furthermore, both parties acknowledge and agree that the exchange of information under this Agreement shall not commit or bind either party to any present or future contractual relationship (except as specifically stated herein), nor shall the exchange of information be construed as an inducement to act or not to act in any given manner. Neither party shall be liable to the other in any manner whatsoever for any decisions, obligations, costs or expenses incurred, changes in business practices, plans, organization, products, services, or otherwise, based on either party’s decision to use or rely on any information exchanged under this Agreement. If there is a breach or threatened breach of any provision of this Agreement, it is agreed and understood that Discloser shall have adequate remedy in money or other damages and/or accordingly shall be entitled to injunctive relief; provided however, no specification in this Agreement of any particular remedy shall be construed as a waiver or prohibition of any other remedies in the event of a breach or threatened breach of this Agreement. This Agreement states the entire Confidentiality agreement between the parties concerning the disclosure of Confidential Information and supersedes any prior agreements, understandings, or representations with respect thereto. Any addition or modification to this Agreement must be made in writing and signed by authorized representatives of both parties.

NON-COMPETITION: It is understood and agreed to under this Non-Compete Provision of the Agreement (the “Agreement”), John Galt Institute, Inc owns and operates Estate Transformation the Advanced Estate Management Platform (the “Owner(s) & Operator(s)”) and will exchange with the Licensee (Recipient) certain information, business methods and intellectual properties that are considered proprietary to the Owner(s) & Operator(s) and that the Licensee (Recipient) shall not engage in Competition with the Owner(s) & Operator(s) for a period of 10 years following the date hereof. “Competition” shall mean engaging in any activity for, or being otherwise affiliated with, a Competitor of the Owner(s) & Operator(s) Advanced Estate Management Platform or any subsidiary or affiliate, whether directly or indirectly, as an employee, consultant, principal, agent, officer, director, partner, shareholder (except as a less than one percent shareholder of a publicly traded company) or otherwise. “Competitor” shall mean an entity or enterprise whose business is in direct Advanced Estate Management Platform competition with the business of the Owner(s) & Operator(s) which distributes, supports and operates its Advanced Estate Management Platform, platform components and services to financial services companies, entities, financial advisors and insurance agents globally. In addition to all other remedies provided for herein, the Licensee (Recipient) agrees that if the Licensee (Recipient) shall violate any of the provisions of this agreement, the Owner(s) & Operator(s) shall be entitled to an accounting and repayment of all profits, compensation, remuneration or other benefits that Licensee (Recipient) may realize arising from or related to any such violation. The Parties agree and acknowledge that the duration, scope and geographic area of the covenant not to compete described in this agreement are, fair, reasonable and necessary in order to protect the good will and other legitimate interests of the Owner(s) & Operator(s), that these obligations do not prevent the Licensee (Recipient) from practicing its normal business operations. If, however, for any reason any court determines under applicable law that the provisions in this agreement pertaining to duration, scope and geographic area in relation to non-competition are too broad or otherwise unreasonable, that the consideration provided for hereunder is inadequate or that the Licensee (Recipient) has been prevented unlawfully from practicing its normal business operations (together, such provisions being hereinafter referred to as “Restrictions”), such Restrictions shall be interpreted, modified or rewritten, and such court is hereby requested and authorized by the Parties to revise the Restrictions, to include the maximum Restrictions as are valid and enforceable under applicable law.

END USER LICENSE AGREEMENT: Under this End User License Agreement (the “Agreement”), John Galt Institute, Inc. (the “Author”) grants to the user (the “Licensee”) a non-exclusive and non-transferable preview license (the “License”) through John Galt Institute, Inc (the “Vendor”), to preview the business development materials (the “Materials”). “Materials” may include any instructional information, supportive materials, audios, software, marketing materials or any other items contained herein Estate Transformation's advanced coaching program. Title, copyright, intellectual property rights and distribution rights of the Materials remain exclusively with the Author and or Vendor. Intellectual property rights include the look and feel of the Materials, the business methods outlined therein, and any accompanying Materials. This Agreement constitutes a license for individual preview use only and is not in any way a transfer of ownership or use rights to the Materials. The Materials may be only be previewed by the licensee for his or her own potential new client acquisition efforts. The Materials may not be used by the licensee to augment, build, expand or promote a sales distribution organization. These materials are authorized for preview use by the licensee only and may not be shared with anyone. The rights and obligations of this Agreement are personal preview rights granted to the Licensee only. The Licensee may not transfer or assign any of the rights or obligations granted under this Agreement to any other person or legal entity. The Licensee may not disseminate or make available the Materials for use by one or more third parties. The Materials may not be modified, reverse-engineered, or copied in any manner through current or future available technologies. The Licensee nor any of Licensee’s business entities may not use the Materials to develop for his/her personal use or for distribution a competing version of the materials. The Licensee nor any of Licensee’s business entities may not develop a competing product. The Licensee nor any of Licensee’s business entities may not promote, offer for distribution or sell a product under this Agreement. Failure to comply with any of the terms under the Preview License section will be considered a material breach of this Agreement. The original preview user account registration created by Licensee will constitute the entire consideration for this Agreement. The preview Materials are provided by the Vendor and accepted by the Licensee “as is”. Neither the Author nor Vendor assumes any Liability in the preview use of the Materials. Neither the Author nor Vendor will be liable for any general, special, incidental or consequential damages including, but not limited to, loss of production, loss of profits, loss of revenue, loss of data, or any other business, regulatory or economic disadvantage suffered by the Licensee arising out of the preview use or failure to preview the Materials. Neither the Author nor Vendor make any warranty expressed or implied regarding the fitness of the preview Materials for a particular purpose or that the Materials will be suitable or appropriate for the specific requirements of the Licensee. The Author warrants and represents that it is the copyright and intellectual property rights holder of the Materials. The term of this End User License Agreement will begin on Acceptance and is perpetual. This Agreement will be terminated and the Preview License forfeited where the Licensee has failed to comply with any of the terms of this Agreement or is in breach of this Agreement. On termination of this Agreement for any reason, the Licensee will lose Preview Module access privileges. The Author and Vendor will be free of liability to the Licensee where the Author or Vendor is prevented from executing its obligations under this Agreement in whole or in part due to Force Majeure, such as earthquake, typhoon, flood, fire, and war or any other unforeseen and uncontrollable event where the Author or Vendor has taken any and all appropriate action to mitigate such an event. The Parties to this Agreement submit to the jurisdiction of the courts of the State of Wyoming for the enforcement of this Agreement or any arbitration award or decision arising from this Agreement. This Agreement will be enforced or construed according to the laws of the State of Wyoming. This Agreement can only be modified in writing signed by both the Author and the Licensee. This Agreement does not create or imply any relationship in agency or partnership between the Vendor and the Licensee. Headings are inserted for the convenience of the parties only and are not to be considered when interpreting this Agreement. Words in the singular mean and include the plural and vice versa. Words in the masculine gender include the feminine gender and vice versa. Words in the neuter gender include the masculine gender and the feminine gender and vice versa. If any term, covenant, condition or provision of this Agreement is held by a court of competent jurisdiction to be invalid, void or unenforceable, it is the parties' intent that such provision be reduced in scope by the court only to the extent deemed necessary by that court to render the provision reasonable and enforceable and the remainder of the provisions of this Agreement will in no way be affected, impaired or invalidated as a result. This Agreement contains the entire agreement between the parties. All understandings have been included in this Agreement. Representations which may have been made by any party to this Agreement may in some way be inconsistent with this final written Agreement. All such statements are declared to be of no value in this Agreement. Only the digitally signed and authorized terms of this Agreement will bind the parties. This Agreement and the terms and conditions contained in this Agreement apply to and are binding upon the Vendor's successors and assigns. All notices to the Author or Vendor under this Agreement are to be provided at the following address: John Galt Institute, Inc., 1712 Pioneer Ave., Suite , Cheyenne, WY 82001.

WHEREFORE, the Recipient Licensee acknowledge that they have read and understand these Agreements and voluntarily accept the duties and obligations set forth herein as digitally authorized and signed below: (copies of which will be emailed to Recipient Licensee)