Earning With AmeriPlan® Is Simple As ABC

Here's a brief overview of the generous AmeriPlan® Compensation Plan (as of January 2003)

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Pin Level Program & Incentive Plan
(Effective January 1, 2003)

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DEFINITIONS:

Active - Any person or legal entity that holds a member, Broker Benefits or Sales Director agreement and is current on their fee payment.

Advance - The commission paid upon activation of new business received, for example, Broker Benefits or member applications. Brokers may elect to receive commissions on an Advance or "As-Earned" basis. Checks are issued daily.

"As-Earned" (member) - No Advance commission is paid. Brokers receive 30% residual commissions each month.

"As-Earned" (Broker) - All Broker Benefits Advances (60%/$21) are paid monthly for 5, 12 or 22 months. Thereafter, the Broker is paid 30% residual commission each month.

AmeriPlan University^TM - Comprehensive educational program for AmeriPlan® Brokers.

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Broker types:

Basic Broker ($95)
Enrolls as a Broker but does not elect AmeriPlan University™ or the APP PAK

Basic Broker with AU (AmeriPlan University™)($295)

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Down Line - A Broker's personally enrolled Brokers, their personally enrolled Brokers, their personally enrolled Brokers and so on to infinity.

Enrolling Broker - A Broker who personally enrolls a member or Broker into the Benefits program.

First Level - Personally enrolled Brokers and personally enrolled members.

Management Levels - The six Sales Director Pin Level positions - RSD, SRSD, ESD, SESD, NSD and NVP.

Overrides - Commissions paid to up line Sales Directors; a specified percentage of Sales Group Monthly Revenue."Paid-As" - Required status maintained by Sales Directors to receive Overrides and RSD Commissions.

RSD Commissions - Commissions paid to the first up line Sales Director (if qualified) of the enrolling Broker. RSD Commissions are paid at the time a new Broker Benefits application is activated. A qualified Sales Director, regardless of Pin Level, must be a "Paid-As" RSD.

Sales Group Monthly Revenue (SGMR) - Total monthly Broker and member Benefits fees paid by individuals in a sales group.

Up Line - A Broker's enrolling Broker, their enrolling Broker, their enrolling Broker and so on to infinity.

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Pin Level Program
(Effective January 1, 2003)

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HOW TO BE PROMOTED:

A special lapel pin designates each level of achievement as Brokers progress through the Pin Level Program.

In order to be promoted to a new Pin Level a Broker must be active. Additionally, all down line Brokers and members required to promote to a Pin Level must be active. Once a Pin Level is achieved, the Broker is always recognized at that level

RSD=Regional Sales Director

Personally enroll 4 new active, First Level Brokers and 6 new active, First Level members to achieve Regional Sales Director. RSDs receive the RSD Pin along with a Sales Director Contract that is 100% vest­ed, willable and sellable.

SRSD=Senior Regional Sales Director

Develop 3 First Level, "Paid-As" RSDs to promote to SRSD and receive the SRSD Pi e. A "Paid-As" RSD is personally active and has 4 active, First Level Brokers and 6 active, First Level members.

ESD=Executive Sales Director

Develop 1 First Level, "Paid-As" SRSD to promote to ESD and receive the ESD Pin. A "Paid-As" SRSD is personally active and has 3 First Level, "Paid-As" RSDs OR $1,000 in Personal Sales Group Monthly Revenue.

SESD=Senior Executive Sales Director

Develop 2 First Level, "Paid-As" SRSDs to promote to SESD and receive the SESD Pin.

NSD=National Sales Director

Develop 3 First Level, "Paid-As" SRSDs to promote to NSD and receive the NSD Pin.

NVP=National Vice President

Develop your down line organization to include:

=> Four (4) First Level, "Paid-As" NSDs; and

=> Three (3) Second Level, "Paid-As" NSDs; and

=> Two (2) Third Level, "Paid-As" NSDs; and

=> One (1) Fourth Level, "Paid-As" NSD; and

=> $15,000 in Personal Sales Group Monthly Revenue.

* An SRSD's, ESD's, SESD's or NSD's Personal Sales Group Monthly Revenue may be used to MAINTAIN their "Paid-As" status, but not to promote themselves to a new Pin Level

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Incentive Plan
(Effective January 1, 2003)

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ADVANCES:

Members

Brokers receive a 30% level residual commission for enrolling new members. Brokers may receive 6 or 12 month Advances depending on whether the new member pays monthly or quarterly/annually. Brokers also may elect to receive commissions on member enrollments "As-Earned."

Brokers Benefits

Brokers can earn Advances according to the enrollment level of their personally enrolled Brokers.

Brokers will receive Advances for personally enrolling new Brokers as follows:

• Basic Broker ($95)
  • $100 Advance
• Basic Broker with AU ($295)
  • $250 Advance

All Advances are "paid off" at $21 monthly (60%) until the total Advance amount is paid back. Thereafter, Brokers are paid residual commission of $10.50 monthly (30%).

Brokers who elect to be paid "As-Earned" (i.e., not to receive 100% of Advances up front) instead receive a $21 Advance commission (60%) each month until the Advance amounts ($100 or$250) they elected not to receive are paid by the company. Thereafter, Brokers are paid residual commission of $10.50 monthly (30%).

RSD COMMISSIONS

Sales Directors (RSD, SRSD, ESD, SESD, NSD, NVP) can earn RSD Commissions when they are the first up line Sales Director of a Broker who enrolls a new Broker. The Sales Director also must be a "Paid­As" RSD when the new Broker Benefits application is activated.

All RSD Commissions are "paid off' over the same time period as the corresponding Broker Benefits Advance (5, 12 or 22 months).

Sales Directors earn RSD Commissions when a new Broker enrolls one of the following three ways:

• Basic Broker ($95)
  • $25 RSD Commission
  Basic Broker with AU ($295)
  • $100 RSD Commission

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Overrides
(Effective January 1, 2003)

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OVERRIDES:

Overrides are paid to qualified SRSDs, ESDs, SESDs, NSDs and NVPs according to three criteria:

Promotion to the appropriate Pin Level; and Meeting applicable "Paid-As" requirements; and

Submission of at least one active Broker or one active member on their First Level each calendar month.

Override percentages are as follows:

SRSD=Senior Regional Sales Director - 15% Override on First Level Sales Group Monthly Revenue (SGMR)

ESD=Executive Sales Director - 15% First Level PLUS 10% Override on Second Level SGMR

SESD=Senior Executive Sales Director - 15% First Level, 10% Second Level PLUS 5% Override on Third Level SGMR

NSD=National Sales Director - 15% First Level, 10% Second Level, 5% Third Level PLUS 3% Override on Fourth Level SGMR

NVP=National Vice President - 15% First Level, 10% Second Level, 5% Third Level, 3% Fourth Level PLUS 1% Override on Fifth Level SGMR to the next downline NVP

"Paid-As" requirements must be met in order to receive Overrides and RSD Commissions as follows:

RSD - Four (4) active, First Level Brokers and six (6) active, First Level members

SRSD - Three (3) First Level, "Paid-As" RSDs OR $1,000 in Personal Sales Group Monthly Revenue (SGMR)

ESD - One (1) First Level, "Paid-As" SRSD OR $2,000 in Personal SGMR

SESD - Two (2) First Level, "Paid-As" SRSDs OR $3,000 in Personal SGMR

NSD - Three (3) First Level, "Paid-As" SRSDs OR $4,000 in Personal SGMR

NVP - Same as NVP Pin Level promotion requirements

Important Note on Charge Backs:

If a Broker cancels prior to the time an Advance or RSD Commission is fully "paid off", the remaining balance due is charged back to the earning Broker(s) in equal parts over a six-month period.

Broker charge backs are divided into two types: "Current" (Trust Account) and "Pending Adjustments." Current charge backs are due for repayment in the current month. Pending Adjustment charge backs are owed to the company in future months, but are not yet current.

Brokers electing Advances or receiving RSD Commissions receive them in full (less any Current Trust balance) unless the amount of charge backs in a Broker's Pending Adjustments account is greater than $1,000. In that event, Broker Advances/RSD Commissions are split, with 50% applied to reduce the Pending Adjustments account balance, and 50% paid to the earning Broker (less any Current Trust balance).

Any time the Pending Adjustments charge back account balance is less than $1,000, the Advances/RSD Commissions are paid in full to the Broker (less any Current Trust balance).

Note: Residual commissions and Builders Bonus are always applied to a Broker's Current Trust balance, regardless of the amount owed.

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Examples Of How The Pay Plan Works
(Effective January 1, 2003)

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Broker A enrolls Broker B @ $295 and elects to receive the $250 Broker Benefits Advance.

Scenario 1.

Broker A has a zero balance in both the Pending Adjustments charge back account and the Current Trust account. Broker A receives the full Advance - $250.

Scenario 2.

Broker A has a Pending Adjustments charge back account balance of $1400 at the time Broker B is activated. Broker A's Current Trust account balance is zero. Of the $250 Advance, $125 (50%) is used to reduce the Pending Adjustments charge back account balance as follows: $1400 - $125 = $1275. The Broker receives the remainder of the Advance - $125 (50%).

Scenario 3.

Broker A's Pending Adjustment charge back account has a balance of $1100 at the time Broker B is activated. Broker A's Current Trust account has a balance of $40. Of the $250 Advance, $125 (50%) is used to reduce the Pending Adjustment charge back account balance as follows: $1100 - $125 = $975. The remaining portion of the Advance of $125 (50%) is used to reduce the Current Trust account balance as follows: $125 - $40 (Current Trust account balance) = $85. Broker A receives the remainder of the Advance - $85.

Scenario 4.

Broker A's Pending Adjustment charge back account has a balance of $200 at the time Broker B is activated. Broker A's Current Trust account balance is $60. Of the $250 Advance, $60 is used to reduce the Current Trust account balance to zero. Broker A receives the remainder of the Advance as follows: $250 - $60 = $190.

Broker A enrolls Broker B @ $295 and elects "As-Earned."

Broker A has a $1200 Pending Adjustment charge back balance and a $40 Current Trust balance. The first month "As-Earned" Advance commission is $21. Of the $21, $10.50 (50%) is used to reduce the Pending Adjustment charge back balance as follows: $1200 - $10.50 = $1189.50. The remaining $10.50 (50%) is used to reduce the Current Trust balance as follows: $40 - $10.50 = $29.50. Thereafter, the monthly "As-Earned" Advance commission of $21 is used to reduce the remaining Current Trust account balance until it reaches zero.

As you can see from the above examples, earning money with AmeriPlan® is FAST and Simple As ABC! With the AmeriPlan® advance commissions option, many new Brokers can be receiving thousands of dollars within their first month!

Note how AmeriPlan® pays YOU first! Even in the unlikely event a new Member or new Broker opts out of AmeriPlan® (which is rare with our high retention rates), the earning Broker DOES NOT pay back all advances immediately ...AmeriPlan® makes it easy by recovering unearned advances through an easy and affordable installment process.

YOUR success is important to AmeriPlan® and your sponsor!

If you have any questions regarding your best strategies for earning a generous residual income that keeps growing and growing, month after month, year after year, be sure to contact the Broker who sent you this link. He/She will be happy to help you get your Residual Income Strategy set up and earning you a generous income today!

Here's To YOUR Success The Simple As ABC Way!