Members of 1st Opulence Financial should be ever mindful that complete compliance with and observance of the Code of Ethics shall serve to promote the highest quality standards of our organization.  These standards will be beneficial to the public and the insurance and financial services profession.

Therefore, members shall:

1. Always place the best interests of their clients above their own direct or indirect interests.

2. Maintain the highest standards of professional competence and give the best possible advice to clients by seeking to maintain and improve professional knowledge, skills and

3. Hold in the strictest confidence and consider as privileged, all business and personal
information pertaining to their clients’ affairs.

4. Make full and adequate disclosure of all facts necessary to enable their clients to make
informed decisions.

5. Maintain personal conduct which will reflect favorably on the insurance and financial
services profession and 1st Opulence Financial and any of its subsidiaries.

6. Determine that any replacement of an insurance or financial product must be beneficial for
the client.

7. Abide by and conform to all provisions of the laws and regulations in the jurisdictions in
which they do business.