Ramesh has held a life license for $20$ years. His sister, Ramona, runs the office, and often files the paperwork, but is not licensed. He focuses on selling insurance to his community exclusively and is well known and respected in this community as he is very helpful and approachable. He often helps them fill out the necessary forms. He has been accused by the Financial Services Commission of Ontario of fronting. Which of the following describes the violation that Ramesh must have committed?