Comprehensive and Detailed In-Depth Explanation: Ethical misconduct for insurance representatives is governed by the Distribution Act (Sections 16-18) and the Chambre de la securite financiere (CSF) Code of Ethics. Option B-depositing client funds into a personal business account-violates the requirement to use a separate trust account for client premiums (Distribution Act, Section 52), constituting misappropriation and breaching fiduciary duty. Option A (business card) is permissible marketing. Option C (reimbursement for training costs) is acceptable if disclosed and reasonable. Option D (low-value pen) aligns with CSF rules on minor gifts. The Ethics and Professional Practice manual prohibits commingling client funds with personal accounts, making B the clear misconduct.
References: Distribution Act, Section 52; CSF Code of Ethics; Ethics and Professional Practice (Civil Law) Manual, Section on Handling Client Funds.