PROFESSIONAL LIFE ADVISORS NETWORK, LTD. ("PLAN") IS AN INDEPENDENTORGANIZATION WHOSE AIM IS TO ENCOURAGE A HIGH STANDARD OF EXCELLENCEIN THE LIFE INSURANCE INDUSTRY. PLAN'S ACTIVITIES CONSIST OF WEEKLYWEBINARS AND BIANNUAL ON-SITE TRAINING PROGRAMS AIMED AT HELPING ITS MEMBERS BE MORE EFFECTIVE IN THEIR DAY-TO-DAY ACTIVITIES.