(1) A licensee shall maintain not less than one (1) office in the state.
(2) Each office of a licensee, whether within or outside of the state, shall be located in a place that is reasonably accessible to the public.
(3) A licensee shall maintain at each of its offices personnel who are competent to conduct the business of the office.
(4) Upon written notice to and consent from the commissioner, a licensee may establish, relocate or close an office, except that no consent shall be required if the licensee is well capitalized.