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Networking Agreement

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NETWORKING AGREEMENT

This Networking Agreement (“Agreement”) is made and entered into by and between ________________________ , a financial institution (“FI”) and Securities America, Inc. (“SAI”) and Securities America Advisors, Inc. (“SAA”) (collectively SAI and SAA shall be referred to as “Securities America”). FI and Securities America shall be collectively referred to as the “Parties”.

WHEREAS, FI (which term shall include FI’s affiliates) is engaged in the business of commercial and consumer deposit taking and the provision of related financial services to their customers;

WHEREAS, FI is interested in providing its customers and the public with access to securities brokerage services, insurance products and advisory services to be provided by a third party (the “Financial Services”);

WHEREAS, SAI is a registered broker/dealer and insurance agency engaged in the business of offering, distributing and trading securities (“Brokerage Services”) and insurance products (“Insurance Services”) and SAA is a federally registered investment advisor in the business of providing advisory services (“Advisory Services”) through registered principals and representatives who are engaged by Securities America as independent contractors (a “Securities America Registered Representative” or, collectively, the “Securities America Representatives”);

WHEREAS, FI is interested in having Securities America operate one or more Branch Offices under a Registered Representative’s supervision on FI premises; and

WHEREAS, Securities America is willing to allow one or more Registered Representatives to operate his/her Securities America Branch Office on the premises of FI provided that FI agrees to comply with certain regulatory requirements and other terms of this Agreement.

NOW, THEREFORE, for good and valuable consideration and in

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