What are the specific obligations of Annex Brands franchisees regarding insurance, as detailed in Item 9?

ach policy.

If Franchisee fails or refuses to acquire and maintain insurance coverage conforming to the standards and limits prescribed by Franchisor, or to furnish satisfactory evidence of his, her or their insurance coverage, at its option and in addition to its other rights and remedies under this Agreement, Franchisor may but is not required to obtain, through agents and insurance companies of Franchisor's choosing, such insurance coverage on behalf of Franchisee as is necessary to meet Franchisor's standards. Franchisee will fully cooperate with Franchisor in its effort to obtain such insurance policies, will promptly execute all forms or instruments required to obtain any such insurance and will allow any inspections of the Center which are required to obtain the insurance. Payments for such insurance will be borne by Franchisee, and Franchisee expressly agrees to pay the required premiums or to reimburse Franchisor, on demand, any costs and premiums incurred by Franchisor. Nothing contained in this Agreement will be construed or deemed to impose any duty or obligation upon Franchisor to obtain or maintain any specific forms, kinds or amounts of insurance for or on behalf of Franchisee.

Failure by Franchisee to purchase or maintain any insurance required by this Agreement, or failure to reimburse Franchisor for its purchase of such insurance on behalf of Franchisee, will constitute a material default of this Agreement which, unless waived by Franchisor, will entitle Franchisor to terminate the Franchise in accordance with Subsection 15.B of this Agreement.

In addition to carrying insurance coverage, as described elsewhere in this Agreement, Franchisee agrees to participate in any group-wide or other then-current Franchisor-sponsored transit insurance program regarding small parcel, freight or transit damage and related risks, and Franchisee agrees to pay fully and timely all premiums assessed for such transit insurance program.

J. FRANCHISOR CUSTOMER REFERRALS AND OTHER PROGRAMS.

1. Franchisor or its affiliates may choose to periodically offer Franchisee franchisor customer referrals, which may include business accounts, national accounts, work orders for products or services, and other fulfillment business. If Franchisee is willing and able to service a franchisor customer referral within its Protected Area in the manner and timeframe specified, and for the price that Franchisor has quoted Franchisee (which price will be less than the total price being paid by the customer), Franchisee may accept the franchisor customer referral

and perform the work according to the specifications agreed to in advance. If Franchisee is not in compliance with this Agreement or any other agreement between Franchisee and Franchisor or any of its affiliates, if Franchisee refuses a franchisor customer referral, or if Franchisor reasonably believes that Franchisee is unable to service a franchisor customer referral (including because Franchisee does not have the capability or resources, or is otherwise ineligible), Franchisor may service such franchisor customer referral itself, or through another Center or Commercial Logistics Center, an affiliated business, or a third party, regardless of where the customer is located and without any liability to Franchisee.

• 1. Franchisor may require Franchisee to participate in any system-wide transportation programs, which may include an international ocean program, in which Franchisor internally books international ocean shipments with the shipping lines, provides appropriate documentation, collects payments from customers, pays shipping lines, and completes transactions with Centers. Franchisee agrees to execute the then-current documents that may be necessary to participate in these system-wide programs, such as Attachment 7 for the international ocean program. Franchisor may charge a fee to the extent that it supplies or administers any such program.
• K. CO-BRANDING.