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EXHIBIT 2
<br />BENEFIT FINANCIAL SERVICES GROUP
<br />FINANCIAL PLANNING AND CONSULTING AGREEMENT
<br />In connection with the agreement entered into on <<<DATE>>> between Benefit Financial Services Group, an SEC
<br />registered investment adviser having a principal mailing address of 2040 Main Street, Suite 720, Irvine, California 92614
<br />(the "PLANNER") and <<<EMPLOYER INFO>>>, whose mailing address is <<<ADDRESS>>> (the "EMPLOYER"), I,
<br /><<<EMPLOYEE NAME>>> (the "CLIENT"), as a prerequisite to receiving the services contemplated under the Agreement,
<br />acknowledge and agree to the following:
<br />PLANNER agrees to provide basic financial planning and consulting services to CLIENT. Per the terms of the Agreement
<br />described above, such services are to be provided only to the extent requested by CLIENT. CLIENT will not incur any
<br />separate or additional fee as a result of electing to receive the PLANNER's financial planning and consulting services.
<br />CLIENT acknowledges that recommendations provided by PLANNER are not endorsed or reviewed by EMPLOYER.
<br />PLANNER's financial planning and consulting services shall conclude upon PLANNER's communication of its
<br />recommendations to CLIENT. It is expressly understood by CLIENT that these services do not create an ongoing
<br />relationship between PLANNER and CLIENT.
<br />PLANNER will remain available to review and update any recommendations provided to CLIENT upon CLIENT's request.
<br />PLANNER's recommendations (i.e. investments, estate planning, retirement planning, taxes, insurance, etc.) shall be
<br />discussed by the PLANNER with CLIENT and may be implemented, at CLIENT's sole discretion, with the corresponding
<br />professional advisors (i.e. broker, accountant, attorney, etc.) of CLIENT's choosing. In respect to estate planning matters,
<br />PLANNER's role shall be that of a facilitator between CLIENT and CLIENT's corresponding professional advisors. No
<br />portion of PLANNER's services should be interpreted as legal or accounting advice. CLIENT should defer to CLIENT's
<br />attorney or accountant.
<br />CLIENT agrees to provide information and/or documentation requested by PLANNER as pertains to CLIENT's objectives,
<br />needs, and goals. PLANNER shall not be required to verify any information obtained from the CLIENT, CLIENT's attorney,
<br />accountant, or other professionals, and is expressly authorized to rely thereon. CLIENT is free at all times to accept or reject
<br />any recommendation from PLANNER, and CLIENT acknowledges that he has the sole authority with regard to the
<br />implementation, acceptance, or rejection of any recommendation or advice from PLANNER.
<br />CLIENT is free to obtain legal, accounting, and brokerage services from any professional source to implement the
<br />recommendations of PLANNER. CLIENT will retain absolute discretion over all implementation decisions.
<br />PLANNER's financial planning and consulting services do not include investment implementation, supervisory,
<br />management, or reporting services, nor the regular reviewing, updating, or monitoring of CLIENT's investment portfolio or
<br />financial plan. In the event CLIENT desires that PLANNER provide investment supervisory or management services,
<br />CLIENT may request that PLANNER do so under the terms of a separate Investment Advisory Agreement between
<br />PLANNER and the CLIENT, for which services PLANNER shall be paid a separate and additional fee.
<br />PLANNER, acting in good faith, shall not be liable for any action, omission, investment recommendation/decision, or loss in
<br />connection with its services. The federal and state securities laws impose liabilities under certain circumstances on persons
<br />who act in good faith, and therefore nothing herein shall in any way constitute a waiver or limitation of any rights which
<br />CLIENT may have under any federal or state securities laws, ERISA, or under the rules promulgated by the Employee
<br />Benefits Security Administration and/or the Department of Labor. In no event shall PLANNER be responsible to CLIENT for
<br />any special, indirect, incidental, exemplary, punitive, or consequential damages in connection with or otherwise arising out
<br />of this Agreement.
<br />CLIENT hereby acknowledges prior receipt of a copy of the PLANNER's written Disclosure Statement as set forth on Part
<br />2A of Form ADV and PLANNER's Privacy Notice.
<br />Subject to the conditions and exceptions noted below, and to the extent not inconsistent with applicable law, in the event of
<br />any dispute pertaining to PLANNER's services, both PLANNER and CLIENT agree to submit the dispute to arbitration in
<br />accordance with the auspices and rules of the American Arbitration Association ("AAA"), provided that the AAA accepts
<br />jurisdiction. PLANNER and CLIENT understand that such arbitration shall be final and binding, and that by agreeing to
<br />arbitration, both PLANNER and CLIENT are waiving their respective rights to seek remedies in court, including the right to
<br />a jury trial. CLIENT acknowledges that he/she/it has had a reasonable opportunity to review and consider this arbitration
<br />provision prior to execution.
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