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May 2013 Compensation Plan

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Page 1: Compensation - Jafradownloads.jafrausa.com/pdfs/en/2013/may/may2013-CompPlan-en.p… · Compensation Plan. 2 Benefits By taking advantage of the opportunities for new Consultants,

May 2013

Compensation Plan

Page 2: Compensation - Jafradownloads.jafrausa.com/pdfs/en/2013/may/may2013-CompPlan-en.p… · Compensation Plan. 2 Benefits By taking advantage of the opportunities for new Consultants,

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Benefits By taking advantage of the opportunities for new Consultants, you’ll be on the road to a remarkable JAFRA career:

•Consultant Commission: 50% with first $300 Retail Order and all subsequent Orders in the month; 30% for any Order below $300. •A Word About Profit: As a JAFRA Consultant, you earn a substantial profit on the sale of JAFRA products to your clients. These products are available to you at the wholesale price. By reselling these products at the retail price, you can earn up to 100% profit!

•AnewConsultantmustsignJAFRA’sIndependentConsultantAgreement.Whenyousignuponline,theelectronicversionoftheIndependent ConsultantAgreementwillreplaceyoursignature.AllConsultantsmustabidebythepoliciesstatedintheIndependentConsultantAgreement.

Maintaining Consultant StatusA Consultant must place at least one Retail Order during a period of 12 months to remain eligible to place an order. Should more than 12 months lapse since the last Retail Order, the Consultant will be placed on Former status and will need to re-enroll with a purchase of a Business Kit to be eligible to place orders again. A Consultant is considered Active when she has placed a Retail Order in the last four consecutive calendar months.

Your JAFRA career begins with the decision to become a Consultant. JAFRA gives you everything you need – the tools, the support and the programs – it’s up to you to turn the key to build your successful future.

Consultant

AnotherwaytogrowyourbusinessandshareyourpassionforJAFRAisinvitingotherstojoinyou.Whenyouhelpthemsucceed,youwillall grow both personally and financially! As a Senior Consultant, you have an opportunity to enjoy the rewards of leadership while you are still a Consultant! Let your Sponsoring empower others AND put $$$$ in your hands as you build toward becoming a Manager!

Earn 5% Commission on your directly Sponsored Consultants

Qualify each month with:• Onepersonal$300ormoreRetailOrder• TwodirectlySponsoredConsultantswhoeachplacea

$300 or more Retail Order• TeamPaidWholesaleSalesof$500

NOTE:CommissionOverridesdoNOTgetpaidonthePersonalSales generated by the Senior Consultant.

@ 5%Senior Consultant

Keep building your Team and move up to Manager!

Senior Consultant

YOU

YOURDIRECTLYSPONSOREDCONSULTANTS

EARN5%

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Your sales and revenue are climbing as you and your Team build through consistent Sales and Sponsoring. You’re ready to put your business in the next gear on the road to success!

Benefits of promoting to Manager: 3 10% Commission Overrides onthemonthlyPaidWholesaleSalesgeneratedbyyou and your Consultants in your Central Branch.

3 $1,200 Potential Bonuses NewManager6MonthIncentiveProgram…earnupto $1,200 in Bonuses in your first six months.

Plus: 3 ManagerPin 3 Special Leader meetings. 3 PromotingLeaderBonus.Seepage21fordetails.

When you promote to Manager, you and your Team create a Central Branch.A Central Branch consists of a Manager and all of the Consultants directly or indirectly Sponsored by that Manager who have not promoted to Manager, as well as any Consultants reassigned to the Branch.

How to promote to Manager during the Qualifying Month: •PersonalRetailSalesof$300ormore. •4DirectlySponsoredConsultants,eachwithRetailSales

Order of $300 or more. •Achieve$1,200ormoreinPre-BranchPaidWholesaleSales.

APromotiontoManageriseffectiveonthe first day of the following month.

How you will be paid during the Qualification month when you promote:Youwillbepaid10%CommissionOverrideonPaidWholesaleSalesofDirectlySponsoredConsultantsPLUS10%CommissionOverrideonPaidWholesaleSalesgeneratedbythefirstlevelofIndirectlySponsoredConsultants.

ManagerCENTRAL

BRANCH

MANAGER

DIRECT CONSULTANTS

INDIRECT CONSULTANTS

Manager Pin

Note:WhentwoConsultantsinthesameLineageandBranchenter qualification to Manager in the same month, each Consultant needstoachievetheirgoalsindependently.(IfConsultantsAandBenter qualification and Consultant B was Sponsored by Consultant A, all sales and Consultants Sponsored directly and indirectly by Consultant B will not count towards Consultant A’s qualification.

WhenyoupromotetoManager,youreceivethiscontemporarylogo pin to reflect your success.

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Star Qualifier Bonus ProgramFirst Time Managers are eligible to earn one of these Bonuses when they achieve one of the following sales levels during their Qualification Month:

Level One:

Earn a $150 Bonus*when you promote to Manager and achieve the following in your month of qualification:

3Pre-BranchPaidWholesaleSalesof$3,000-$4,999inTeam PaidWholesaleSales(PWS).

Level Two:

Earn a $500 Bonus*when you promote to Manager and achieve the following in your month of qualification:

3Pre-BranchPaidWholesaleSalesof$5,000ormoreinTeam PaidWholesaleSales(PWS).

Manager

* These are once-in-a-lifetime Bonuses. Not available to Re-qualifying Managers.

Qualify as a Star Manager and earn the Star Qualifier Bonus:

Maintain your Manager statusTo maintain your new level as Manager, you must achieve these monthly Central Branch Maintenance Requirements:

•PersonalcumulativeRetailSalesof$300ormore • Four(4)orderingConsultantsanywherewithinCentralBranch

who have $300 or more in cumulative Retail Sales*•CentralBranchPaidWholesaleSalesof$1,200ormore

* Does not include Manager’s Cumulative Retail Sales

GracePeriodopportunitiesapplytothistitle.Formoreinformationsee page 22.

Managers who do not meet the Central Branch Maintenance Requirements in the Evaluation Month will be evaluated as a Senior Consultant and paid as a Senior Consultant if they achieve those requirements.IfthoserequirementsarenotachievedtheyforfeitCommission payment, Manager Bonuses and any applicable bonuses.

Re-qualificationConsultants entering re-qualification to Manager need to meet the ManagerQualificationsonpage4. A Re-qualified Manager’s New Branch will include existing and new Consultants she Sponsored DirectlyorIndirectly,whoatthetimeofherre-qualification,holdthe title of Consultant and do not belong to a different Branch.

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GUIDELINES: •OnlyavailabletonewManagersthatqualifyforthefirsttime. •Eachmonthisindependentofthenext.Ifyoumissamonth you still qualify in the next month. •BrochuresandCatalogswilldropinthenextorderafterthe achievement •iPadswillbesentseparatelyafterachievement.

MOVEUPTO DM1

ANDINCREASEYOUR Central Branch

CommissionOVERRIDE TO 12%

AND: Accumulate $15,000 or more in Central Branch Paid Wholesale Sales in your first 6 months as a Manager and receive an iPad with keyboard.

ManagerNew Manager Bonus Program

Monthly:

Earn up to $1,200 in Bonuses plus 300 Product Catalogs and 300 Seasonal Brochures in your first 6 months as a Manager!

Earn a potential Bonus of $1,200 plus 600 pieces of literature:

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Total

*CBPW

Bonus

Product Catalogs

Seasonal Brochures

$2000+*CBPW

and CB MAINTENANCE

REQUIREMENTS

50ProductCatalogs+ +=

$200MONTHLYBONUS

50 SeasonalBrochures

$1,200

300

300

$2000+

$200

50

50

$2000+

$200

50

50

$2000+

$200

50

50

$2000+

$200

50

50

$2000+

$200

50

50

$2000+

$200

50

50

* These are once-in-a-lifetime Bonuses. Not available to Re-qualifying Managers.

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6%-7%

CENTRALBRANCH

LEVEL 1: DIRECTLY

PROMOTEDBRANCHES

Requirement: 1 Direct Branch

CENTRAL

DISTRICT

DM112%

Commission

Commission

The circles above represent a Central Branch.

When you promote to

District manager 1

You receive your Celebration

Locket with a #1 charm and

these purple crystals.

Open a new revenue channel by building a Central District,promotingaNewManager(Branch).It’slikeadding an extra engine.

Benefits of promoting to District Manager 1 312% Monthly Commission Overrides on the monthlyPaidWholesaleSalesgeneratedbyyouandyour Consultants in your Central Branch.

3 Promoting Leader Bonuses See page 20 for details.

Plus: 3District Manager Jewelry.

3 Special Leader meetings.

What is a Central District?A Central District consists of the Manager’s Central Branch plus alldirectly promoted Branches.

How to promote to District Manager 1 •Promote1DirectBranch. • PromotiontoDistrictManager1iseffectiveonthefirstday

of the following month.

Maintain your District Manager 1 statusTo maintain your new level as District Manager 1, you must achieve these monthly maintenance requirements:

1) Central Branch Maintenance • PersonalcumulativeRetailSalesof$300ormore• Four(4)orderingConsultantsanywherewithinCentralBranch

who have $300 or more in cumulative Retail Sales*• CentralBranchPaidWholesaleSalesof$1,200ormore

2) Central District Maintenance • MaintainyourdirectlypromotedBranch.

* Does not include Manager’s Cumulative Retail Sales

GracePeriodopportunitiesapplytothistitle.Formoreinformationsee page 22.

District Manager 1 BuilD a celeBration necklace!

Add new charms and crystals as you are

promoted to each title within the District

Manager level.

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MOVEUPTO DM2

ANDINCREASEYOUR Central Branch

CommissionOVERRIDE TO 13%

District Manager 1 level who does not meet the Central Branch Maintenance requirements in the Evaluation Month will be evaluated as a Senior Consultant and paid as such if they achieve thoserequirements.IfthoserequirementsarenotmettheyforfeitCommission payment, Manager Bonuses and any applicable bonuses.

How you Earn Monthly Commissions with your Central District: • ForeverydirectlypromotedManager,you’llearn6%monthly CommissiononthePaidWholesaleSalesoftheirCentralBranch. • ForeverydirectlypromotedDistrictManagertoanAmbassador,

you’llearn7%monthlyCommissiononthePaidWholesaleSalesof their Central Branch.

Re-qualificationYou can re-qualify for this level by meeting the qualifications under ‘HowtoPromotetoDistrictManager1’mentionedonpage6.

District Manager 1

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You’re moving up fast, and adding New Branches to your Central District.

Benefits of promoting to District Manager 2 313% Monthly Commission Overrides on the monthlyPaidWholesaleSalesgeneratedbyyou and your Consultants in your Central Branch.

3 Promoting Leader Bonus See page 20 for details.

Plus: 3District Manager Jewelry. 3Special Leader meetings.

How to promote to District Manager 2 • Promote2DirectBranches. • PromotiontoDistrictManager2iseffectiveonthefirstdayof

the following month.

Maintain your District Manager 2 statusTo maintain your new level as District Manager 2, you must achieve these monthly maintenance requirements:

1) Central Branch Maintenance • PersonalcumulativeRetailSalesof$300ormore • Four(4)orderingConsultantsanywherewithinCentral

Branch who have $300 or more in cumulative Retail Sales* •CentralBranchPaidWholesaleSalesof$1,200ormore

2) Central District Maintenance • MaintainyourtwodirectlypromotedBranches. * Does not include Manager’s Cumulative Retail Sales

GracePeriodopportunitiesapplytothistitle.Formoreinformationsee page 22.

District Manager 2Commission

DM213%

7%-8%

3%

1%†

7%-8%

CENTRALBRANCH

LEVEL 1:DIRECTLY

PROMOTEDBRANCHES

LEVEL 2:1stLINEINDIRECT

BRANCHES

LEVEL 3:2ndLINEINDIRECT

BRANCHES

Requirement: 2 Direct Branches

Commission Commission

Commission

Commission

CENTRAL

DISTRICT

All circles represent a Central Branch.

When you promote to

District manager 2

You add a #2 charm and

these fuchsia crystals to

your Locket.

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Add Indirect Branches and earn more: • Earn3%CommissiononthePaidWholesaleSalesofallLevel2, 1stLineIndirectBranches. • Youearn1%CommissiononthePaidWholesaleSalesofall Level3,2ndLineIndirectBranches,whenyouhave3ormore

Direct Branches.

How deep do your Commissions go on Indirect Branches?The number of Levels for which a Leader is eligible to receive Commission Override is equal to the number of existing, directly promoted Branches, often referred to as the “Horizontal, Vertical” rule. Levels 3 and beyond are paid at 1%.

District Manager 2 level who does not meet the Central Branch Maintenance requirements in the Evaluation Month will be evaluated as a Senior Consultant and paid as such if achieving those requirements. IfthoserequirementsarenotmettheyforfeitCommission payment and any applicable bonuses.

Re-qualificationYou can re-qualify for this level by meeting the ‘How to PromotetoDistrictManager2’Qualificationsonpage8.

How you Earn Monthly Commissions with your Central District and Indirect Line Branches: • For every directly promoted Manager, you’ll earn 7% monthly CommissiononthePaidWholesaleSalesoftheirCentral Branch.

• Foreverydirectly promoted District Manager through Ambassador, you’ll earn 8% monthly Commission on the PaidWholesaleSalesoftheirCentralBranch.

District Manager 2

MOVEUPTO DM3

ANDINCREASEYOUR Central Branch

CommissionOVERRIDE TO 14%

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By now you’re a seasoned Leader and your sales revenue and personal income show it.

Benefits of promoting to District Manager 3 3 14% Monthly Commission Overrides onthemonthlyPaidWholesaleSalesgeneratedby you and your Consultants in your Central Branch.

3 Promoting Leader Bonus See page 20 for details. Plus: 3 District Manager Jewelry. 3 Special Leader meetings.

How to promote to District Manager 3 • Promote3DirectBranches. • Have$100,000inCentralDistrictPaidWholesale Sales(CDPWS)inthelasttwelvemonthsorsooner. • PromotiontoDistrictManager3iseffectiveonthe

first day of the following month.

Maintain your District Manager 3 statusTo maintain your new level as District Manager 3, you must achieve these monthly maintenance requirements:

1) Central Branch Maintenance •PersonalcumulativeRetailSalesof$300ormore •Four(4)orderingConsultantsanywherewithinCentral

Branch who have $300 or more in cumulative Retail Sales* •CentralBranchPaidWholesaleSalesof$1,200ormore

2) Central District Maintenance • MaintainyourthreedirectlypromotedBranchesand$100,000in CentralDistrictPaidWholesaleSalesinarollingtwelve-monthperiod.

* Does not include Manager’s Cumulative Retail Sales

GracePeriodopportunitiesapplytothistitle.Formoreinformationseepage 22.

District Manager 3CENTRALBRANCH

3%

1%

LEVEL 2:1stLINEINDIRECT

BRANCHES

LEVEL 3:2ndLINEINDIRECT

BRANCHES

LEVEL 1:DIRECTLY

PROMOTEDBRANCHES

Requirements: •3DirectBranches•$100,000in CDPWSinthelast 12 months or sooner

8%-9% 8%-9% 8%-9%Commission Commission Commission

Commission

Commission

CENTRAL

DISTRICT

Commission

DM314%

All circles represent a Central Branch.

When you promote to

District manager 3

Add a #3 charm and these clear

crystals to your Locket.

Your Celebration Necklace is now

complete with charms and crystals

from every level you’ve achieved.

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How deep do your Commissions go on Indirect Branches?The number of Levels for which a Leader is eligible to receive Commission Override is equal to the number of existing, directly promoted Branches, often referred to as the “Horizontal, Vertical” rule. Levels 3 and beyond are paid at 1%.

District Manager 3Re-qualificationYou can re-qualify for this level by meeting the ‘How to PromotetoDistrictManager3’Qualificationsonpage10.

How you Earn Monthly Commissions with your Central District and Indirect Line Branches: • For every directly promoted Manager, you’ll earn 8% monthly CommissiononthePaidWholesaleSalesoftheirCentral Branch.

• Foreverydirectly promoted District Manager through Ambassador, you’llearn9%monthlyCommissiononthePaidWholesaleSales of their Central Branch. Add Indirect Branches and earn more: • Earn3%CommissiononthePaidWholesaleSalesofallLevel2, 1stLineIndirectBranches. • Youearn1%CommissiononthePaidWholesaleSalesofall

Level3,2ndLineIndirectBranches.

District Manager 3 level who does not meet the Central Branch Maintenance requirements in the Evaluation Month will be evaluated as a Senior Consultant and paid as such if they achieve thoserequirements.IfthoserequirementsarenotmettheyforfeitCommission payment and any applicable bonuses.

MOVEUPTO DD1

ANDINCREASEYOUR Central Branch

CommissionOVERRIDE TO 15%

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District Director 1JAFRA rewards achievers like you, those at the District Director 1 level and above, with additional incentives to add new fuel to your drive for success.

Benefits of promoting to District Director 1 3 15% Monthly Commission Overrides on the monthlyPaidWholesaleSalesgeneratedbyyouandyour Consultants in your Central Branch. 3 Promoting Leader Bonus See page 20 for details. 3 Potential $300 Monthly Car Allowance See pages 21 for details. 3 Receive $112,500 in District Director Life Insurance

Plus: 3 LadiesinRedPinandDistrictDirectorLevel1Ring. 3 First Class mailing of all company publications

and communications. 3 Special Leader meetings.

How to promote to District Director 1 •Promote5DirectBranches. • Have$125,000inCentralDistrictPaidWholesale Sales(CDPWS)inthelast12monthsorsooner. • PromotiontoDistrictDirector1iseffectiveonthefirstday

of the following month.

Maintain your District Director 1 statusTo maintain your new level as District Director 1, you must achieve these monthly maintenance requirements:

1) Central Branch Maintenance •Be an Active Consultant+

•Four(4)orderingConsultantsanywherewithinCentralBranch who have $300 or more in cumulative Retail Sales*

•CentralBranchPaidWholesaleSalesof$1,200ormore

2) Central District Maintenance • MaintainyourfivedirectlypromotedBranchesand$125,000in CentralDistrictPaidWholesaleSalesin a rolling twelve-month period.

* Does not include Manager’s Cumulative Retail Sales

Reach the District Director level and become a member

of an elite group of Leaders, the “Ladies in Red.” This pin

signifies your membership and accomplishment!

Sparkle and shine with a meticulously crafted,

three-tiered 10K white goldring set that you build

as you promote to each title.

District Director 1

Receive a beautiful genuine amethyst ring.

+ An Active Consultant is a Consultant who has placed at least one Retail Order in the last four consecutive months.

GracePeriodopportunitiesapplytothistitle.Formoreinformation see page 22.

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District Director 1

Add Indirect Branches and earn more: • Earn3%CommissiononthePaidWholesaleSalesofallLevel2,

1stLineIndirectBranches. • Youearn1%CommissiononthePaidWholesaleSalesofallLevel

3,2ndLineIndirectBranches.

How deep do your Commissions go on Indirect Branches?The number of Levels for which a Leader is eligible to receive Commission Override is equal to the number of existing, directly promoted Branches, often referred to as the “Horizontal, Vertical” rule. Levels 3 and beyond are paid at 1%.

District Director 1 level who does not meet the Central Branch Maintenance requirements in the Evaluation will be evaluated as a Senior Consultant and paid as such if they achieve those requirements.Ifthoserequirementsare not met they forfeit Commission payment and any applicable bonuses.

MOVEUPTO DD2

AND MORE REWARDS

CENTRALBRANCH

LEVEL 2:1stLINEINDIRECT

BRANCHES

LEVEL 3:2ndLINEINDIRECT

BRANCHES

LEVEL 1: DIRECTLY

PROMOTEDBRANCHES

3%

1%

Requirements: •5DirectBranches•$125,000inCDPWSinthe

last 12 months or sooner

Commission

Commission

8.5%-10.5% Commission

CENTRAL

DISTRICT

Commission

DD115%

All circles represent a Central Branch.

Re-qualificationYou can re-qualify for this level by meeting the ‘How to PromotetoDistrictDirector1’Qualificationsonpage12.

How you Earn Monthly Commissions with your Central District and Indirect Line Branches: • ForeverydirectlypromotedManager,you’llearn8.5%

monthlyCommissiononthePaidWholesaleSalesoftheirCentral Branch.

• ForeverydirectlypromotedDistrictManager,you’llearn9.5%monthlyCommissiononthePaidWholesaleSalesoftheir Central Branch.

• ForeverydirectlypromotedDistrictDirectororAmbassador,you’llearn10.5%monthlyCommissiononthePaidWholesaleSalesoftheirCentralBranch.

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You have built a dynamic group of women who are enjoying the JAFRA lifestyle. You have set an example of leadership for your Consultants and been rewarded with more Commissions, Bonuses and recognition. Keep up the momentum!

Benefits of promoting to District Director 2

3 15% Monthly Commission Overrides onthemonthlyPaidWholesaleSalesgeneratedby you and your Consultants in your Central Branch.

3 Promoting Leader Bonus See page 20 for details.

3Potential $350 Monthly Car Allowance See page 21 for details.

3 Receive $150,000 in District Director Life Insurance Plus: 3 District Director Level 2 Ring. 3 First Class mailing of all company publications and communications. 3 Special Leader meetings.

How to promote to District Director 2 • Promote7DirectBranches. • Have$200,000inCentralDistrictPaidWholesale Sales(CDPWS)inthelast12monthsorsooner. • PromotiontoDistrictDirector2iseffectiveonthefirstday of the following month.

Maintain District Director 2 statusTo maintain your new level as District Director 2, you must achieve these monthly maintenance requirements:

1) Central Branch Maintenance •BeanActiveConsultant+

•Four(4)orderingConsultantsanywherewithinCentralBranch who have $300 or more in cumulative Retail Sales*

•CentralBranchPaidWholesaleSalesof$1,200ormore2) Central District Maintenance • MaintainyoursevendirectlypromotedBranchesand$200,000in

CentralDistrictPaidWholesaleSalesinarolling12-monthperiod.

* Does not include Manager’s Cumulative Retail Sales

District Director 2

Sparkle and shine with a meticulously crafted,

three-tiered 10K white goldring set that you build

as you promote to each to each level in the

District Director Program.

District Director 2

Receive a gorgeous pink tourmaline ring.

+ An Active Consultant is a Consultant who has placed at least one Retail Order in the last four consecutive months.

GracePeriodopportunitiesapplytothistitle.Formoreinformationsee page 22.

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District Director 2

CENTRALBRANCH

LEVEL 2:1stLINEINDIRECT

BRANCHES

LEVEL 3:2ndLINEINDIRECT

BRANCHES

LEVEL 1:DIRECTLY

PROMOTEDBRANCHES

3%

1%

Re-qualificationYou can re-qualify for this level by meeting the ‘How to PromotetoDistrictDirector2’Qualificationsonpage15.

How you Earn Monthly Commissions with your Central District and Indirect Line Branches: • ForeverydirectlypromotedManager,you’llearn9% monthlyCommissiononthePaidWholesaleSalesof their Central Branch.

• Forevery directly promoted District Manager, you’ll earn 10%monthlyCommissiononthePaidWholesaleSalesof their Central Branch.

• Forevery directly promoted District Director or Ambassador you’llearn11%monthlyCommissiononthePaidWholesaleSales of their Central Branch.

Add Indirect Branches and earn more: • Earn3%CommissiononthePaidWholesaleSalesofallLevel2, 1stLineIndirectBranches. • Youearn1%CommissiononthePaidWholesaleSalesofall Level3,2ndLineIndirectBranches.

How deep do your Commissions go on Indirect Branches?The number of Levels for which a Leader is eligible to receive Commission Override is equal to the number of existing, directly promoted Branches, often referred to as the “Horizontal, Vertical” rule. Levels 3 and beyond are paid at 1%.

District Director 2 level who does not meet the Central Branch Maintenance requirements in the Evaluation month will be evaluated as a Senior Consultant and paid as such if they achievethoserequirements.Ifthoserequirements are not met they forfeit Commission payment and any applicable bonuses.

Requirements: •7DirectBranches•$200,000inCDPWSin the

last 12 months or sooner

Commission

Commission

9%-11% Commission

CENTRAL

DISTRICT

Commission

DD215%

All circles represent a Central Branch.

MOVEUPTO DD3

ANDINCREASEYOUR Central Branch

CommissionOVERRIDE TO 16%

+ An Active Consultant is a Consultant who has placed at least one Retail Order in the last four consecutive months.

GracePeriodopportunitiesapplytothistitle.Formoreinformationsee page 22.

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You are on your way to the top of JAFRA’s career path.

Benefits of promoting to District Director 3

3 16% Monthly Commission Overrides onthemonthlyPaidWholesaleSalesgeneratedby you and your Consultants in your Central Branch. 3 Promoting Leader Bonus See page 20 for details. 3 Potential $400 Monthly Car Allowance See page 21 for details. 3 Receive $187,500 in District Director Life Insurance

Plus: 3 District Director Level 3 Ring. 3 First Class mailing of all company publications and communications. 3 Special Leader meetings.

How to promote to District Director 3 • Promote10DirectBranches. • Have$300,000inCentralDistrictPaidWholesale Sales(CDPWS)inthelast12monthsorsooner. • PromotiontoDistrictDistrict3iseffectiveonthefirstday of the following month.

Maintain your District Director 3 statusTo maintain your new level as District Director 3, you must achieve these monthly maintenance requirements:

1) Central Branch Maintenance •BeanActiveConsultant+

•Four(4)orderingConsultantsanywherewithinCentralBranch who have $300 or more in cumulative Retail Sales*

•CentralBranchPaidWholesaleSalesof$1,200ormore

2) Central District Maintenance • Maintain your 10 directly promoted Branches and $300,000 in Central

DistrictPaidWholesaleSalesinarollingtwelve-monthperiod.

* Does not include Manager’s Cumulative Retail Sales

+ An Active Consultant is a Consultant who has placed at least one Retail Order in the last four consecutive months.

GracePeriodopportunitiesapplytothistitle.Formoreinformationseepage 22.

District Director 3

Sparkle and shine with a meticulously crafted,

three-tiered 10K white goldring set that you build

as you promote to each to each level in the

District Director Program.

District Director 3

Complete your ring set with a brilliant genuine diamond ring.

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Commission

DD316%

CENTRALBRANCH

LEVEL 2:1stLINEINDIRECT

BRANCHES

LEVEL 3:2ndLINEINDIRECT

BRANCHES

LEVEL 1:DIRECTLY

PROMOTEDBRANCHES

District Director 3

Re-qualificationYou can re-qualify for this level by meeting the ‘How to PromotetoDistrictDirector3Qualifications’onpage16.

How you Earn Monthly Commissions with your Central District and Indirect Line Branches: • ForeverydirectlypromotedManager,you’llearn9.5%monthly

CommissiononthePaidWholesaleSalesoftheirCentralBranch.

• Forevery directly promoted District Manager, you’ll earn 10.5% monthlyCommissiononthePaidWholesaleSalesoftheir Central Branch.

• Foreverydirectly promoted District Director or Ambassador, you’llearn11.5%monthlyCommissiononthePaidWholesaleSales of their Central Branch.

Add Indirect Branches and earn more: • Earn3%CommissiononthePaidWholesaleSalesofallLevel2, 1stLineIndirectBranches. • Youearn1%CommissiononthePaidWholesaleSalesofall Level3,2ndLineIndirectBranches.

How deep do your Commissions go on Indirect Branches?The number of Levels for which a Leader is eligible to receive Commission Override is equal to the number of existing, directly promoted Branches, often referred to as the “Horizontal, Vertical” rule. Levels 3 and beyond are paid at 1%.

District Director 3 level who does not meet the Central Branch Maintenance requirements in the Evaluation month will be evaluated as a Senior Consultant and paid as such if they achieve those requirements. IfthoserequirementsarenotmettheyforfeitCommission payment and any applicable bonuses.

Requirements: •10DirectBranches•$300,000inCDPWSin the

last 12 months or sooner

9.5%-11.5% Commission

3%

1%

Commission

Commission

MOVE TO AMBASSADOR

ANDINCREASEYOUR Central Branch

CommissionOVERRIDE TO 17%

CENTRAL

DISTRICT

All circles represent a Central Branch.

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18

movaDo Watch

The Movado Watch is as

timeless as your opportunity!

It features a mother-of-pearl

museum dial surrounded by

sparkling diamonds.

amBassaDor pin

Step into this elite circle of

achievers and receive this exquisite

white gold pin, encircled with

genuine rubies as a symbol of your

outstanding success.

Benefits of promoting to Ambassador 3 Eligible for Mercedes-Benz® E350 or ML350 SUV See page 21 for details. 3 17% Monthly Commission Overrides onthemonthlyPaidWholesaleSalesgeneratedby you and your Consultants in your Central Branch. 3 Promoting Leader Bonuses See page 20 for details. 3 Receive $225,000 in Ambassador Life Insurance

Plus:

3 AmbassadorPinandMovadoWatch. 3 First Class mailing of all company publications and communications. 3 Special Leader Meetings.

How to promote to Ambassador •Promote15DirectBranches. • Have$450,000inCentralDistrictPaidWholesale Sales(CDPWS)inthelast12monthsorsooner. • PromotiontoAmbassadoriseffectiveonthefirstdayofthe

following month.

Maintain your Ambassador statusTo maintain your new level as Ambassador, you must achieve these monthly maintenance requirements:

1) Central Branch Maintenance •BeanActiveConsultant+

•Four(4)orderingConsultantsanywherewithinCentralBranch who have $300 or more in cumulative Retail Sales*

•CentralBranchPaidWholesaleSalesof$1,200ormore

2) Central District Maintenance •Maintainyour15directlypromotedBranchesand$450,000in CentralDistrictPaidWholesaleSalesinarolling12-monthperiod.

* Does not include Manager’s Cumulative Retail Sales

+ An Active Consultant is a Consultant who has placed at least one Retail Order in the last four consecutive months.

GracePeriodopportunitiesapplytothistitle.Formoreinformation see page 22.

Through your sharing and leadership, everyone on your Team can enjoy increased personal growth and earnings on their path to financial freedom!

Ambassador

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19

Re-qualificationYou can re-qualify for this level by meeting the ‘How to PromotetoAmbassador’Qualificationsonpage18.

How you Earn Monthly Commissions with your Central District and Indirect Line Branches: • ForeverydirectlypromotedManager,you’llearn11.5%monthly

CommissiononthePaidWholesaleSalesoftheirCentralBranch.

• ForeverydirectlypromotedDistrictManager,you’llearn12.5%monthlyCommissiononthePaidWholesaleSalesoftheirCentral Branch.

• ForeverydirectlypromotedDistrictDirectororAmbassador,you’llearn13.5%monthlyCommissiononthePaidWholesaleSalesoftheir Central Branch.

CENTRALBRANCH

LEVEL 2:1stLINEINDIRECT

BRANCHES

LEVEL 3:2ndLINEINDIRECT

BRANCHES

LEVEL 1:DIRECTLY

PROMOTEDBRANCHES

11.5% - 13.5% Commission

3%

1%

Commission

Commission

Add Indirect Branches and earn more: • Earn3%CommissiononthePaidWholesaleSalesofallLevel2,

1stLineIndirectBranches. • Youearn1%CommissiononthePaidWholesaleSalesofallLevel

3,2ndLineIndirectBranches.

How deep do your Commissions go on Indirect Branches?The number of Levels for which a Leader is eligible to receive Commission Override is equal to the number of existing, directly promoted Branches, often referred to as the “Horizontal, Vertical” rule. Levels 3 and beyond are paid at 1%.

Ambassador level who does not meet the Central Branch Maintenance requirements in the Evaluation Month will be evaluated as a Senior Consultant and paid as such if they achieve those requirements. IfthoserequirementsarenotmettheyforfeitCommissionpaymentand any applicable bonuses.

Requirements: •15DirectBranches•$450,000inCDPWSin the

last 12 months or sooner

CENTRAL

DISTRICT

All circles represent a Central Branch.

Central BranchCommission

AMBASSADOR17%

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20

Promoting Leader BonusEarn a $100 cash bonus every month your New Manager qualifies fortheNewManager6-MonthIncentiveProgramBonusduringher first six months as a New Manager.

WhenyournewManagerachievesCentralBranchRequirementswithCentralBranchPaidWholesaleSalesof$2,000ormore,youasthePromotingLeaderwillreceive$100CashBonusaslongasyou also achieve your Central Branch Requirements.

•ThereisnolimittothenumberofNewManagersonwhichyoucan earn a Leader Bonus. •BonustobepaidonfirsttimeManagerPromotionsonly. •PromotingLeaderandnewManagermustbothachieveCentralBranch Requirements to earn the Bonuses. •EachmonthisindependentofthenextandthePromotingLeaderis required to achieve her Central Branch Requirements to receive this bonus each month. •PromotingManagerbonusisavailableforthefirst6monthsofthe your new Managers’ promotion period.

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21

Car ProgramDistrict Directors will receive a Car Allowance Bonus every month they achieve all Central District and Central Branch Requirementsfortheircorrespondingtitle.WhenaDistrictDirectorreceivesagraceperiodtheCarAllowanceBonuswillbeforfeited for that month. District Director must maintain the highest paid title achieved since February 1, 2012 to be eligible for this Bonus.

District Directors

Title Bonus

District Director 1 $300

District Director 2 $350

District Director 3 $400

luxury DeserveD the amBassaDor merceDes-Benz®

car program

A Mercedes-Benz® signifies status, class

and style and is the perfect reflection of your

achievement. As an Ambassador, you will

have the opportunity to drive a

Mercedes-Benz® based on your performance.

Ambassadors will receive a two year lease of a silver Mercedes-Benz® E350 or ML350 SUV. Ambassadors will receive their vehicle lease upon promotion to paid title of Ambassador. Leader needs to maintain a paid title of Ambassador at least one month out of a rolling 8 month period in order to keep her car. Car Benefit choice is for a minimum 2 year period. Lease will be renewed every two years. Ambassador may opt to forego the Car Benefit and receive $600 per month Car Allowance Bonus Benefit provided each monthAmbassadormaintainstheAmbassadorpaytitlewithnoCentralBranchand/CentralDistrictGracePeriods.

Ambassadors

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22

Grace PeriodsLeaders are given opportunities to maintain their titles when, in a given month, Maintenance Requirements in the Central Branchand/orCentralDistrictarenotmet.TheseopportunitiesarereferredtoasGracePeriods.GracePeriodsareassignedas follows:

CENTRAL BRANCh (CB) GRACE PERIODS: MANAGERS-AMBASSADORS

ACentralBranchGracePeriodisassignedwhenthefollowingmonthlyCentralBranchMaintenancerequirementsarenotmet: • PersonalRetailOrderof$300(Mgrs-DM3s).DistrictDirectorandAmbassadorlevelsareexemptfromthisrequirement. • 4ActiveConsultantUnits.*4orderingConsultantsanywherewithinCentralBranchwhohave$300ormoreincumulative

Retail Sales. • CentralBranchPaidWholesaleSalesof$1,200ormore.

Leaders who do not meet the Central Branch Maintenance Requirements will be assigned a grace period. The Leader will be evaluatedasaSeniorConsultantandpaidasaSeniorConsultantiftheyachievethoserequirements.Ifthoserequirementsarenot achieved they forfeit Commission payment and all applicable bonuses.

LeadersaregiventhreeCentralBranchGracePeriodopportunitiesinarolling12-monthperiod.IfafourthGracePeriodisassigned in the same rolling 12-month period, the Leader is demoted to Consultant status and loses all her direct and indirect Branches.

CENTRAL DISTRICT (CD) GRACE PERIODS: DM3-AMBASSADOR

CentralDistrictGracePeriodsareassignedwhenthefollowingCentralDistrictMaintenancerequirementsarenotmetoneachof the following levels:

IfaDistrictManager3,DistrictDirectororAmbassadormisseseitherorbothofherCentralDistrictrequirements,i.e.,numberofDirectBranchesorCentralDistrictPaidWholesaleSalesinherlastrolling12-monthperiod,shewillbeassignedaCentralDistrictGracePeriod,andwillreceiveherCommissionOverridecheck.

DistrictManager3s,DistrictDirectorsandAmbassadorsaregiventhreeCentralDistrictGracePeriodopportunitiesinarolling12-monthperiod.IfafourthGracePeriodisassignedinthesamerolling12-monthperiod,theyarereevaluatedandarereassigned to the level that corresponds with their Central District activity. This activity is determined by the number of Direct BranchesandtheamountofCentralDistrictPaidWholesaleSalesachievedintheirlast12-monthrollingperiod.

*ActiveConsultantUnitiscomposedofaConsultant(regardlessofstatus)withintheCentralBranchthattheManagersponsoreddirectlyandindirectly.InheritedConsultantswhosesponsoringuplineisinanotherBranchwillalsoconstituteaConsultantUnit.AConsultantUnitisdefinedasActivewhenthereisatleastoneConsultantintheConsultantUnitgenerating$300ormoreincumulativePersonalRetailOrdersingivenmonth

Direct Branches Rolling12MonthCDPWS

DM3 3 $ 100,000DD1 5 $ 125,000DD2 7 $ 200,000DD3 10 $ 300,000

AMBASSADOR 15 $450,000

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