Suggested guidelines for service and compensation on business written through Ohio National Financial Services.

It is the intent of (adviser's Name) to assign Ohio National as a servicing agent. Commission-sharing is to be determined prior to the sale with licensed associates. Suggested guidelines for commission sharing:

1. Sale Initiated by Accountant – Agent involved with sale, application process and future service.

   50% Agent

   50% Accountant

2. Sale Initiated by Agent – Accountant assistance is critical to sale. Agent processes application and is responsible for future service.

   75% Agent

   25% Accountant

3. Sale Initiated & Taken to Near Completion by Agent – Accountant approval used to complement agent recommendations.

   90% Agent

   10% Accountant