Which one (1) of the following practices is NOT considered to be "misconduct"? OA) The use of an illustration circular or memorandum that is incomplete and does not clearly represent the terms, benefits or advantages of any policy. OB) The use of any incomplete comparison of any policy or contract of the insurance with that of another insurer for the purpose of inducing an insured to lapse, forfeit or surrender a policy or contract. OC) Quoting an insurance premium to a policy holder or prospective policy holder that is less than a competitor's quotation with the intention of influencing the placing of an insurance policy or renewal. OD) Holding himself/herself out, or advertising, or carrying on business in any other manner than the name in which the firm is registered.

Which one (1) of the following practices is NOT considered to be "misconduct"? OA) The use of an illustration circular or memorandum that is incomplete and does not clearly represent the terms, benefits or advantages of any policy. OB) The use of any incomplete comparison of any policy or contract of the insurance with that of another insurer for the purpose of inducing an insured to lapse, forfeit or surrender a policy or contract. OC) Quoting an insurance premium to a policy holder or prospective policy holder that is less than a competitor's quotation with the intention of influencing the placing of an insurance policy or renewal. OD) Holding himself/herself out, or advertising, or carrying on business in any other manner than the name in which the firm is registered.