Vmdirect Compensation Plan

© VMdirect ® Compensation Plan v.3 090211

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Compensation Plan Details Table of Contents

I. 20% Personally Enrolled Commissions II. Tons of Performance Reward Bonuses III. Things You Need to Know


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I. 20% Personally Enrolled Commission

How far do you want to go?

There are 3 ways you can make money with VMdirect: through matrix commissions, retail sales and our generous

bonus programs.

You are equipped with the Current Commission Report (located in your VMdirect Virtual Admin Center) for step-by-

step details on all the milestones you need to hit, to put more money in your pocket. Use these tools – stay focused – and

don’t quit. That is the key to success.

VMdirect’s Compensation Program is a flexible 3x8 matrix which allows you to earn well below your 8th level and permits you to open additional legs upon advancement. You earn 20% commission of the subscription fee on each Personally Enrolled Retail Customer and VMdirect Affiliate’s monthly service level fee, every month! You and your Personally Enrolled Affiliates must be on the new Compensation Plan and at Fast Track Service Level or above. In addition, you and your upline are paid a matrix commission ranging from 2% to 5% of the Commissionable Volume (CV) from all your VMdirect Affiliates Service Level fees, and their Affiliates’ fees, and their helloWorld and eligible FirstStream customers’ fees. CV = @65% of the monthly subscription fee. Whether you earn 2% to 5% depends upon the level the VMdirect Affiliate resides within your business matrix. Let’s say you personally enrolled Sue, and she is on the 3rd level of your business matrix. Sue enrolls a customer. You will receive 3% of 65% (CV) of the Service Level fee.

100% of your helloWorld and eligible FirstStream Retail Customers’ Retail Volume is counted as Personal Business Volume (PBV+) and Group Business Volume (GBV), for purposes of Rank advancement volume qualifications. Web Affiliates do not count towards PBV or GBV. Retail Commissions are paid monthly directly on your VMdirect debit card, or via direct deposit.

Level 0 - YOU -

Level 1 2%

Level 2 3%

Level 3 - Sue 3%

Level 4 4%

Level 5 4%

Level 6 4%

Level 7 5%

Level 8 and beyond 5%

VMdirect Affiliates must have a minimum of one active helloWorld or FirstStream Retail Customer in order to earn Commissions and Bonuses. FirstStream Commissions are paid to eligible VMdirect Chief Executive Affiliates within the first 8 levels of the enroller tree.


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II. Tons of Performance Reward Bonuses

The VMdirect compensation plan is rich with performance reward bonuses so you’ll be surprised all along the way. It’s designed to reward you for all your customer acquisition, retention, and Rank achievements, big or small! Don’t try to memorize them all, just use these tools, focus on your milestones, and don’t quit. The rest will happen. That’s the key to VMdirect success.

$ Customer Bonus Pool is 2% of the company’s commissionable volume paid to qualifying VMdirect Affiliates every month. To earn one share in this bonus pool, a VMdirect Affiliate must have at least 10 helloWorld or FirstStream* Retail Customers enrolled with a Personal Customer Business Volume (PCBV) of 200+ in subscription fees paid collectively per month. VMdirect Affiliates may earn up to 30 shares in this bonus pool. *First Stream administrative and sub accounts count as one Retail account.

CB (Customer Bonus) Number of Personally

Enrolled New and/or Existing Customers

PCBV Number of Shares Earned

Total Number of Shares Earned

10+ Active Customers 200+ PCBV 1 1 15+ Active Customers 300+ PCBV 1 2 25+ Active Customers 500+ PCBV 3 5 50+ Active Customers 1,000+ PCBV 2 7 75+ Active Customers 1,500+ PCBV 2 9

100+ Active Customers 2,000+ PCBV 2 11 150+ Active Customers 3,750+ PCBV 4 15 200+ Active Customers 6,000+ PCBV 5 20 300+ Active Customers 10,000+ PCBV 10 30

$ Leadership Bonus Pool is 3% of the company’s Commissionable Volume paid to qualifying VMdirect Affiliates. To earn one share in this bonus pool, a VMdirect Affiliate must enroll 3 new VMdirect Affiliates in the commissionable (calendar) month (all of which must be at the Fast Track level or higher), and maintain them for 30 days. To qualify, the Affiliate must also have, at minimum, 3 helloWorld or FirstStream customers. VMdirect Affiliates may earn up to 30 shares in this bonus pool.

LB (Leadership Bonus)

Number of NEW Personally Enrolled Affiliates

Number of NEW Personally Enrolled Affiliates at Fast

Track or Higher Number of Personally Enrolled Customers

Total Shares Earned

3+ New Affiliates 3+ 3+ 1 6+ New Affiliates 6+ 3+ 2 12+ New Affiliates 12+ 3+ 4 18+ New Affiliates 18+ 3+ 8 25+ New Affiliates 25+ 3+ 12 50+ New Affiliates 50+ 3+ 20 100+ New Affiliates 100+ 3+ 30


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$ Go Bronze Bonus! Go Bronze and receive a one time bonus based on 1% of the company’s entire Organizational Volume. This Bonus pool is shared amongst all new Bronzes. $ Go Silver Generation Bonus! Achieve the Title of Silver and you will now be eligible to earn an additional 2% on your matrix earnings starting at your 5th Level. You will continue to earn this bonus until you reach the 4th Level of the second Silver (or higher) below you. Reach the Title of Gold and you will extend your Silver Generation bonus one more generation. $ Go for the Gold Bonus! Go Gold and maintain Gold Title and higher and receive this bonus every month. This bonus is 3% of the entire company’s commissionable volume! $ Go Platinum Generation Bonus! Achieve the title of Platinum and, starting at your 6th Level you will be eligible to earn an additional 2% on your matrix earnings from that point. You will continue to earn this bonus until you reach the 5th Level of the second Platinum (or higher) below you. Reach the Title of Diamond and you’ll extend your Platinum Generation Bonus one more generation! $ Super G Bonus! When you reach Platinum you are now entitled to earn the Super G Bonus which will pay you an additional 2% on all your Personally Enrolled VMdirect Affiliates and their Personally Enrolled VMdirect Affiliates, and their Personally Enrolled VMdirect Affiliates, etc. from this point on for as long as you remain an active, qualifying Platinum. You will continue to earn Super G Commissions until someone in your Business Organization reaches Platinum. At this point, you will not earn any additional Super G Commissions, however you will continue to earn Super G on those VMdirect Affiliates up until this point. $ 1 Star Diamond Bonus Pool! The 1 Star Diamond Bonus Pool comprises 3% of company Commissionable Volume and is paid quarterly to all qualifying 1 Star Diamond Titled VMdirect Affiliates and higher. For every Diamond Star achieved, another share in this bonus pool is earned.

$ 3 Star Diamond Generation Bonus! Achieve 3 Star Diamond, and you will be eligible to earn an additional 1% on your matrix earnings from that point on starting at your 7th Level. You will continue to earn this bonus until you reach the 6th Level of the second 3 Star Diamond (or higher) below you. Go 4 Star Diamond and you’ll extend your 3 Star Diamond Generation Bonus one more 3 Star Diamond Generation.

$ Ambassador Promotional Bonus! Achieve the Title of Ambassador, maintain it for 12 months, and you will receive a one time payment of $250,000 USD! This bonus can only be earned one time and cannot be earned within the same 12 month period as the International Ambassador Bonus. $ International Ambassador Promotional Bonus! Achieve the Title of International Ambassador, maintain it for 12 months, and you will receive a one time payment of $500,000 USD! This bonus can only be earned one time and cannot be earned within the same 12 month period as the Ambassador Bonus.

VMdirect may offer other Promotional Bonuses from time to time. Promotional Bonuses are not to be considered a permanent part of the plan.


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$ Service Pack Bonus Program Paid in USD, this program generates one time commissions (as they are one time sales) to the Personal Enroller and 4 Bonuses to the Enroller’s Personal Enroller (or upline) through higher stages in the enrollment tree. There are five stages total. Commissions and Bonuses are paid on Service Pack upgrades. Commissions and Bonuses are paid weekly after the enrolled VMdirect Affiliate has remained in the Program for his initial 7-day period as VMdirect has a 7 day return policy. The various Titles and Ranks in the VMdirect Compensation Plan (Director, Bronze, Silver, Gold, etc.) have no relevance to the SPBP. Web Affiliates do not participate nor count as Stage qualifiers. To learn about the SPBP program, please visit your Virtual Admin Center and click on the ‘Compensation Plan’ link > SPBP Simplified.

III. Things You Need to Know All commissions worldwide are based on commissionable volume. All commission payouts are calculated on U.S. pricing in U.S. dollars (USD) and then converted to the currency of the country in which the Affiliate is doing business.

1. It is illegal for a promoter or a participant in a trading scheme to persuade anyone to make a payment by promising benefits from getting others to join a scheme. 2. Do not be misled by claims that high earnings are easily achieved. 3. Upon enrollment at the Fast Track level or above, you have 7 days in which to cancel and to receive a refund per the VMdirect Policies & Procedures. 4. Upon enrollment at the Basic level, you have 3 days in which to cancel and to receive a refund per the VMdirect Policies & Procedures.

If you are not active you FORFEIT ALL COMMISSIONS EARNED DURING YOUR INACTIVE PERIOD. If you do not have at least one Retail Customer in the calendar, commissionable month, you forfeit all commissions earned during that period. VMdirect recommends all Affiliates acquire and maintain at least 25 Retail Customers. VMdirect bills on the 10th and 20th of every month. If your VMdirect Affiliates and helloWorld Retail Customers enroll on or before the 14th of the month, they will be billed on the 10th of every following month. If they enrolled on the 15th or later, they will be billed on the 20th of every following month.


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UK SPBP DETAILS Affiliates in the UK must enroll at the Web Affiliate Pack, with the option to upgrade to the Basic Pack or Fast Track Pack in their initial enrollment transaction. UK Affiliates must wait 7 day before they can upgrade to the Chief Executive Pack.

GERMANY SPBP DETAILS In addition to meeting requirements of Section b 1 and 3, the following rules apply to all VMdirect Affiliates who are citizens residing in Germany. Affiliates based in Germany can only participate in the SPBP program Bonuses and Commissions at the Fast Track Level, regardless of their joining Service Pack Level, until they reach the paid rank of Director. Once this milestone is achieved, then Bonuses and Commissions in the SPBP are based on the Service Pack Level of entry. Affiliates based in Germany who join and remain at the Web Affiliate or Basic Service Levels can participate in the SPBP at the Fast Track payout level, once they reach the paid rank of Silver or higher. This rank must be maintained to continue earning Bonuses and Commissions.

If you have joined prior to August 8, 2008 and have not opted into the new compensation plan enhancements, click here. If you desire to upgrade, please email support through your Customer Support Center.

Vmdirect Compensation Plan

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