ributions, or requirements pertaining to withholdings, levied of fixed, by any city, state, or federal governmental agency.

9. EXPENSES AND BENEFITS

• 9.1. Franchisee will incur its own expenses related to a business computer and software, printer, mobile phone, internet access, meals and entertainment, travel, automobile and mileage. Franchisee will pay its own mailings and correspondence.

• 9.2. Franchisee is required to have a business computer. Focus CFO does not require a specific brand or model of business computer, other hardware or Internet provider. However, Focus CFO requires the business computer meet minimum specifications as determined by Focus CFO's IT provider. High-speed internet access for Franchisee's home office is strongly recommended.

• 9.3. Franchisee is required to pay a recurring IT Services fee as outlined in Attachment G.

• 9.4. Franchisee shall provide its own transportation to and from networking and prospect/client meetings.

• 9.5. Focus CFO will provide Franchisee with five (5) Focus CFO branded shirts, or upon request, the applicable number of Focus CFO logo pins which can be attached to clothing. These should be worn to all group marketing events and to meetings with

• potential or new clients. Franchisee can purchase additional Focus CFO branded items from one of Focus CFO's authorized vendors at costs ranging from $30 to $150 per item.

• 9.6. Franchisee may be required to incur costs to attend required training as set forth in Section 7 and in the accompanying Attachment C.

10. LIABILITY INSURANCE; INDEMNIFICATION

• 10.1. Business Insurance Coverage. Focus CFO will provide Franchisee with reasonable business insurance coverage (general liability, crime, and employment practices), subject to standard limitations and indemnification provisions for a professional service business and Franchisee's ongoing compliance with Focus CFO's policies and standard operating procedures. Franchisee acknowledges and agrees that Focus CFO does not represent or warrant that such insurance coverage is adequate to protect Franchisee and nothing in this Agreement restricts Franchisee from obtaining its own insurance. This business insurance coverage extends only to the Area President of the Franchisee's business entity. It does not extend to other Support Resources of the Franchisee's business entity. Franchisee shall be responsible for ensuring it has all appropriate insurance in place to cover the services performed by all Support Resources of Franchisee. Focus CFO may provide Franchisee with, in writing, minimum insurance requirements for Support Resources of Franchisee that Franchisee must follow. Focus CFO shall be named as an additional insured on the Franchisee's insurance policy.
• 10.2. Business Insurance Renewal. As part the annual renewal process of the Business Insurance Coverage set forth in Section 10.1, Franchisee is required to sign an annual statement prior to the annual renewal each year certifying that Franchisee is in compliance with Focus CFO's policies and procedures and disclosing any known circumstances that could result in a legal claim against Focus CFO, which could then lead to a potential insurance claim. Franchisee will comply with this requirement within thirty (30) days of Focus CFO's request each year.
• 10.3. Indemnification. Focus CFO will indemnify Franchisee for judgments, settlements, penalties, fines or expenses incurred in a proceeding to which Franchisee is a party because Franchisee is or was serving as an Area President of Focus CFO, unless the underlying claim is a result or related to an Adverse Event as defined below. Any indemnification required or authorized under this Section will be recoverable only out of the assets of Focus CFO. No Focus CFO affiliate will have any liability with respect thereto. No member, director, manager, officer, franchisee or licensee of Focus CFO or any Focus CFO affiliate will have any personal liability with respect thereto.
• 10.4. Adverse Event Defined.

Source: Item 23 — Receipts (FDD pages 37–126)