Revised 09/15 - ameriplanusa.com · Terminations ... CUSTOMER SERVICE. Bank & Credit Card...

Revised 09/15

Office Hours: Member and IBO Services:

Monday - Thursday 8:00 am - 5:00 pm (CST)

Friday 8:00 am - 4:00 pm (CST)

Administrative Offices:

Monday - Friday 9:00 am - 4:00 pm (CST)

Mailing Address:

5700 Democracy Drive Plano, Texas 75024

Contact Phone Numbers: Administrative Offices: 469-229-4500

Member Services: 469-229-4501, then option 2 in Dallas 800-647-8421 outside Dallas

IBO Services: 469-229-4501, then option 3

Bank & Credit Card Services: 469-229-4504 800-550-9726 outside Dallas

Application Fax: 469-229-4589

Sales Aids Orders Fax: 469-229-4588 (by credit card only)

Welcome to AmeriPlan® Corporation AmeriPlan® Corporation headquartered in Plano, Texas. We are a non-insurance, Discount Medical Plan Organization (DMPO). Our

plan includes Medical, Dental, Vision, Prescription and Chiropractic benefits. AmeriPlan® also has plans that include non-medicaldiscount services.

AmeriPlan® Corporation is the nation’s premier supplemental benefits company. We have an experienced staff dedicated tocustomer service, marketing and administration. Our commitment to service and quality is unequaled in the industry.

A network of Independent Business Owners (IBOs) market the AmeriPlan® benefit and discount programs and serve individuals,businesses and organizations across the United States. The staff of AmeriPlan® Corporation has the expertise to assist ourmembers in effectively utilizing the tremendous savings that the plans provide.

AmeriPlan® is a member in good standing of the Metropolitan Chamber of Commerce, the National Association of Dental Plans,and the Direct Selling Association (DSA).

OUR MISSION:• To provide high-quality, affordable benefits to the average American family.• To hold the well-being of our Members, IBOs, Service Providers, Staff and

Company in equal balance.• To foster an environment that promotes a spirit of cooperation, self-

improvement, leadership and genuine concern for each other.• To adhere to the highest standards of professionalism, service and leadership,

which will earn us the respect and praise of our industry while providingfinancial stability and independence to those who earn it.

OUR FOUNDERS:

CORPORATE INFORMATION:

DANIEL BLOOM

President &

Chief Operating Officer

DENNIS BLOOM

Chairman of the Board &

Chief Executive Officer

Amer i P l an ® I BO P o l i c i e s & P r o c e d u r e s 1

Table of ContentsEffective September 1, 2015

Definition of certain terms and conditions .............. 2Member/IBOApplications & Agreements ...................................................... 2

Payment Methods ...................................................................................... 2 IBO Identification Numbers ............................................................ 2 Bank & Credit Card Authorization.............................................. 2 Completion of Application .............................................................. 2 Received Dates of Application .................................................... 3 Signing Up as Corporation or Partnership .................... 3

Interest Associated with IBO Business .............................. 3

Terminations .............................................................................................. 4 Voluntary Termination ........................................................................ 4 Termination by AmeriPlan .............................................................. 4

Refunds .................................................................................................................... 4

Repurchases........................................................................................................ 5

Reinstatements .............................................................................................. 5

Membership Changes .................................................................... 5 Changing Status .......................................................................................... 5

Change of Address .................................................................................... 5

BIlling ................................................................................................................ 6 Returned Drafts .............................................................................................. 6 Credit Card Declines ................................................................................ 6 Change of Drafting Information .................................................. 6

Company List Bills ...................................................................................... 6

Provider Relations............................................................................................ 7 Provider Referrals ........................................................................................ 7

Provider Look-Ups ...................................................................................... 7

Regional Fee Schedule .......................................................................... 7

Out-of-Market Provider Referrals .............................................. 8

Provider Complaints ................................................................................ 8

Contacting Providers .............................................................................. 8

Sales Aids........................................................................................................ 8 How to Order .................................................................................................. 8 Shipments ............................................................................................................ 8

Orders to Hawaii............................................................................................ 8

Send Orders To................................................................................................ 8

Commissions, Advances, Overrides & Bonuses .. 8

Compensation Structure ............................................................ 9 Advances ................................................................................................................ 9 Pin Levels ................................................................................................................ 9 Overrides/Builders Bonus ................................................................ 10 Late List Bill Collections .................................................................... 12 Records & Reports .................................................................................... 12

AmeriPlan Group Division ........................................................12 Small Group Business............................................................................ 12

Advertising .............................................................................................. 14

Internet Advertising .............................................................................. 14 Corporate Approval ................................................................................ 14 Testimonials .................................................................................................... 14 Company Names, Trademarks & Logos .......................... 14 Public or Electronic Advertising Media............................ 14 Websites .............................................................................................................. 14 Internet Commerce Package (ICP) ........................................ 15 Alternate Websites .................................................................................. 15 Spamming ........................................................................................................ 16 On-Line Auctions........................................................................................ 16 Telephone Solicitation Restrictions...................................... 16

Outgoing Calls ............................................................................................ 16

Incoming Calls .............................................................................................. 17 Advertising Rules & Regulations ............................................ 18

Reproduction of Sales Materials .............................................. 19

Ethics .............................................................................................................. 19 Unethical Activity .................................................................................... 19

Phone Etiquette .......................................................................................... 20

General Provisions ............................................................................ 20 Minimum Age Requirements ...................................................... 20 Territorial Limits ........................................................................................ 20 Assigning/Purchasing/Selling an AmeriPlan® Business .. 20 Sample “Letter of Intent” ................................................................ 20

Amendments .......................................................................................... 21 Channels of Communication ...................................................... 21

No Income Representations ........................................................ 21

Changing a Sponsoring IBO ........................................................ 21

Presenting Programs to Prospects ...................................... 21

Disputes over Prospects .................................................................. 21

Multiple IBOs in a Household .................................................... 22 Stacking ................................................................................................................ 22

Cross-Recruiting ........................................................................................ 22

Affiliate Programs .................................................................................... 22

National Sales Director Agreement .................................... 22 Arbitration of Disputes ...................................................................... 22

General Contest Rules & Regulations .......................... 24

VERY IMPORTANT INFORMATION… PLEASE READ IMMEDIATELYPRE-PAID CREDIT CARDS (GIFT CARDS) /

PRE-PAID DEBIT CARDS see page 3 for more information

2 Amer i P l an ® I BO P o l i c i e s & P r o c e d u r e s

Definition of Certain Terms & Conditions When used by AmeriPlan® in any context these terms shall mean:

Active - an IBO Agreement and (if applicable) Sales Director Agreement that has not been terminated.

Bonus - Commission payment, from time to time, for achieving specific sales goals or amount of sales.

Team Residual (Builders Bonus) - the percentage Commission payable to qualifying Sales Directors based on Sales Group Monthly Revenue.

Business on the Books - money actually received from Active members and/or IBOs upon which an Active IBO/Sales Director receives recurring Commissions.

Cancellation - the voluntary or involuntary termination of the IBO Agreement and/or Sales Director Agreement

Chargeback - should a member cancel within a termination period or the member’s initial membership fee fail to be paid, AmeriPlan reserves the right to recover any Commission paid to the IBO/Sales Director on that membership.

Commission - encompasses all performance based compensation, including but not limited to, residuals, team residual, bonuses and contest winnings, payable to IBO/Sales Director.

Contest Winnings - compensation payable upon the occurrence of a specified event.

Independent Business Owner (“IBO”) - any person who has signed an IBO Agreement and it is Active.

IBO Agreement (formally known as “Broker Agreement”) - the initial contract between AmeriPlan® and any person who becomes an IBO.

IBO Manual - the most current version of the IBO Policies and Procedures Manual as published from time to time.

Lifetime - the period of time during which an IBO’s IBO Agreement and (if applicable) Sales Director Agreement is Active, AND there continues to be Business on the Books.

Personal Residual - the percentage Commission payable from the actual recurring receipt of money from Business on the Books.

Personal Sales Group - the members and/or IBOs personally signed up by IBO/Sales Director.

Qualified IBO - any independent business owner who has bought or sold a membership.

Qualified Sales Director - must have a minimum of $100 or more in monthly revenue each month and meet the pin level requrequirements for their current rank.

Sales Director Agreement - the contract between AmeriPlan® and a qualifying IBO.

Sales Group Monthly Revenue - recurring Business on the Books.

Vested - the right to receive Commission so long as the IBO Agreement and (if applicable) the Sales Director Agreement is active and there is Business on the Books.

The Business Relationship AmeriPlan IBOs are independent contractors and are not employees under any circumstance. IBOs are subject to the rules and policies set forth in the IBO Enrollment and Agreement, the current version of the Policies and Procedures Manual, and when applicable the IBO's Sales Director Agreement. Each of these agreements shall be read together as if they were incorporated into one agreement. In the event that there is a conflict of terms in the Policies and Procedures Manual and the IBO Enrollment and Agreement or the Sales Director Agreement, the terms contained in the most recent version of the PPM shall control.

Effect of Cancellation Cancellation of the IBO Agreement and/or the Sales Director Agreement, whether voluntary or involuntary, will result in the immediate termination of all obligations of AmeriPlan® to pay Commissions or provide any benefits.

Member/IBO Benefits Applications & Agreements

• DRAFTINGAll monthly Member and IBO fees, must be paid by credit card or debit card (except pre-paid credit cards). Such fees will bedrafted/charged on the 3rd or the 18th of each month.

Annual IBO Enrollment fees may be paid by credit card (except pre-paid credit cards) or bank draft. Initial Annual IBO Enrollmentfees are charged immediately. Renewal Annual IBO Enrollment fees are charged thereafter during the anniversary month ofenrollment.

If an IBO’s monthly personal residual and/or team residual is of an amount sufficient to cover their annual, IBO Annual EnrollmentFee, and/or Membership fee(s) (if any), such fees will be deducted from the IBOs personal residual and/or team residual instead ofbeing drafted from the IBOs bank account or charged to their credit card account. If an IBO’s personal residual and/or team residualis not sufficient to cover the above described fees, AmeriPlan® will draft/charge the IBOs account on the 3rd or 18th of each monthor month, whichever is applicable.

* Make sure all proper drafting information accompanies each application.

Payment Methods


• CASH TRANSACTIONS AmeriPlan® does not accept cash for any payments. AmeriPlan® is not responsible for lost cash.

• PRE-PAID CREDIT CARDS (GIFT CARDS) / PRE-PAID DEBIT CARDS Pre-paid credit cards and pre-paid debit cards are not accepted by AmeriPlan® for any initial payments or any recurringdrafts for Members or IBOs. Upon receipt of a pre-paid credit card or pre-paid debit card, the application is placedinto a pending status. The application remains in a pending status until AmeriPlan® receives proper draftinginstructions (i.e. valid credit card or bank account information). An IBO submitting applications for Membersand/or IBOs using a pre-paid credit card or pre-paid debit card for payment is in violation of the AmeriPlan® IBOPolicies and may be subject to termination of their IBO/Sales Director contract with AmeriPlan®.

IBO Identification Numbers

The sponsoring IBO’s identification number assigned by AmeriPlan® must be included on all IBO Benefits and Membership BenefitsApplications/Agreements to ensure proper credit.

If AmeriPlan® cannot read the sponsoring IBO’s number; the sponsoring IBO does not receive credit for the application. Thesponsoring IBO’s number must be legible on each application.

IBOS MUST HAVE THEIR IBO IDENTIFICATION NUMBER READY AND AVAILABLE WHEN CALLING IBO OR CUSTOMER SERVICE.

Bank & Credit Card Authorizations The new Member or IBO must sign the application according to their chosen method of payment. The signature of the person who

is paying via debit card or credit card must be on the original application in the payment authorization area.

Completion of Application/Agreement It is extremely important to complete the IBO and Membership Applications/Agreements in their entirety. The applicant’s entire

physical address including apartment numbers, zip codes, phone numbers and the payment section must besubmitted. P.O. Boxes will not be accepted on IBO Agreements. Be sure to include the household members. If there is not enoughspace on the application for all household members, add any additional household members on a separate piece of paper andattach to the original application.

Accuracy of the information is critical. AmeriPlan® is not responsible for missing checks, material or any other mailed items due toincorrect address information. AmeriPlan® reserves the right to reject any incomplete agreements or applications.

Received Dates of Application

• IBO AND MEMBER BENEFIT APPLICATIONS

IBO and Member Applications/Agreements may be submitted in one of the following manners: To change from Member to IBO:

Mailed Applications ~ Must be received by 4:00 P.M. (CST) at AmeriPlan® Headquarters each and every business day to countfor that day’s business.*

Faxed Applications ~ Must be faxed and received by 4:00 P.M. (CST) at AmeriPlan® Headquarters each and every business dayto count for that day’s business.* (The ONLY phone number that receives faxed applications is 469-229-4589)

E-Commerce ~ Must be entered online before 5:00 P.M. (CST) each and every business day to count for that day’s business.You must receive confirmation that the application was accepted.*

WHEN YOU SUBMIT AN APPLICATION/AGREEMENT BY FAX OR E-COMMERCE, PLEASE DO NOT SEND THE HARD COPYTO AMERIPLAN® OR TRY TO RESUBMIT THE APPLICATION BY FAX OR E-COMMERCE. THIS CAUSES MULTIPLE DEBITS TOTHE APPLICANT’S FINANCIAL ACCOUNTS.

On all faxed applications/agreements, the sender assumes responsibility for the fax to be in readable condition. It is also theresponsibility of the sender (IBO) to see that the fax is successfully transmitted and received at AmeriPlan®. It is recommendedto use the downloadable application forms in the Online IBO Support area. The ONLY phone numbers that receive faxedapplications are 469-229-4589 and 469-229-4590. Faxed applications ARE NOT accepted using any other fax machine atAmeriPlan®.

* Business received on AmeriPlan® holidays will count as “received” on the next business day.


Signing Up as a Corporation or PartnershipAmeriPlan® accepts all IBO Agreements in the name of a corporation or partnership under the following conditions:

• The incorporation date of the applying corporation or partnership must be at least twelve (12) months prior to the date of the application. This rule does not apply when incorporating to purchase an existing Sales Directorship.

• The IBO Application/Agreement along with a copy of the corporate charter or partnership agreement must be submitted to:

AmeriPlan® Corporation Review Department

5700 Democracy Drive, Plano, Texas 75024

Attn: Daniel Bloom

• The Corporate IBO and its shareholders must comply with all AmeriPlan® policies and procedures.

• Each IBO Corporation or Partnership is entitled to one (1) household membership.

DO NOT GO ONLINE TO ENROLL AS A CORPORATION FOR A IBO. THIS APPLICATION WILL GO INTO PENDING UNTIL THE CORPORATE PAPER WORK IS RECEIVED.

Interest Associated with IBO Business Except as otherwise provided, all rights and interests associated with an IBO Agreement belong solely to the individual that signs the IBO

Application/Agreement and provides his/her Social Security number in conjunction therewith. All 1099 income earnings will be reportedin accordance with the above. A name (applicant spouse, partner, or otherwise), if entered below or next to an IBO applicant’s signatureor Social Security number, is only used for household membership and recognition purposes. The inclusion of such name and/or SocialSecurity number does not indicate a joint ownership or right of survivorship in any way. Joint ownership can only be accomplishedthrough Partnership or Corporate Agreement. If ownership by a corporation or partnership is desired, please refer to the above sectionfor details about signing up as a Corporation or Partnership for guidance.

If an IBO Agreement is in good standing, and the Agreement is in the name of an individual, upon death of the IBO, it will be passed onto the heir named in the will of the IBO. If the IBO dies intestate (without a will) the Agreement (business) will be distributed according tothe laws of the state of the IBO’s residence.

AmeriPlan® is not bound by any agreement, promise or representation, oral or otherwise, made prior to the acceptance of an IBOAgreement.

Termination

Voluntary Termination You may terminate your IBO Agreement and/or Sales Director Agreement at anytime by stating your termination request in writing

and mailing to: AmeriPlan® Bank and Credit Card Services, 5700 Democracy Drive, Plano, Texas 75024, or you may fax your writtentermination request to: 469-229-4595, or you may email your termination to [email protected]. AmeriPlan will not acceptterminations from anyone other than the terminating IBO/Sales Director, and attempts to terminate by phone will not be accepted.

Voluntary Termination of an IBO Agreement voids that agreement in its entirety and, consequently, terminates any related SalesDirector Agreement as well as any other Agreement that may exist between IBO/Sales Director and AmeriPlan®. When an IBO/SalesDirector terminates their IBO Agreement, IBO/Sales Director knowingly forfeits ALL rights to any future Commissions, including butnot limited to, advances, residuals, bonuses, and contest winnings arising from any agreement between IBO/Sales Director andAmeriPlan. In the event of a voluntary Termination, the Members and IBOs/Sales Directors enrolled by or down line to theTerminated IBO/Sales Director shall remain with AmeriPlan and AmeriPlan shall continue to pay Team Residual to eligible up lineIBO/Sales Directors at the appropriate level.

Termination by AmeriPlan® AmeriPlan® reserves the right to terminate any agreement with IBO/Sales Director with or without cause. Should AmeriPlan®

exercise its right to terminate its agreement with IBO/Sales Director, ALL obligations to pay future Commissions including but notlimited to, advances, residuals, bonuses, and contest winnings arising from the terminated IBO/Sales Director Agreement(s) ceaseimmediately. In the event of a Termination by Ameriplan, the Members and IBOs/Sales Directors enrolled by or down line to theTerminated IBO/Sales Director and all revenues generated thereby, shall be assigned to AmeriPlan. AmeriPlan shall continue to payTeam Residual to eligible up line IBO/Sales Directors at the appropriate level.


Refunds on Voluntary Terminations Any IBO may terminate their IBO Agreement and receive a full refund, of their Annual Enrollment Fee of $24.95, if AmeriPlan®

receives a written notice of termination within 3 days of the IBO applications receive date. Termination notifications may be sentby mail, fax or email, only by the IBO desiring to terminate their IBO agreement.

ALL IBO AGREEMENTS ARE ON AN ANNUAL BASIS.

Repurchases If you choose to terminate your IBO Agreement, upon request, AmeriPlan® will repurchase all unopened Sales Aids within six (6)

months from the date of Termination at 90% of the original cost. All Sales Aids presented for repurchase must be listed on thecurrent Sales Aids order form and in it’s original packaging. All unopened Sales Aids must be returned to AmeriPlan® Headquartersat 5700 Democracy Drive, Plano, Texas 75024.

Reinstatements A Member who wishes to reinstate their Membership within 6 months after termination may do so by notifying AmeriPlan® in

writing. They must submit the first month’s fees and supply current or credit card or debit card information. The registration fee isnot required in this instance. The reinstated membership is effective from the date received by AmeriPlan® and remain with theoriginal sponsoring IBOs.

An Ibo who has terminated their IBO agreement for any reason, including a downgrade, must remain cancelled for a full six (6)months or more before reinstating as an IBO.

If it has been six or more months since the Member or IBO Agreement termination, that Member or IBO must submit a new IBOapplication along with all fees, including registration and initial monthly fee.

When an IBO, whose IBO Agreement has been terminated for more than six months and has a balance due, and then decides toreinstate, they may do so, but all outstanding balances due will be forwarded to the new IBO Agreement.

An IBO that has terminated their IBO Agreement and desires to reinstate must do so as a new IBO participant and must re-qualifyfor each management level. Their original sales group cannot be reinstated. Terminated Sales Directors are given 30 days

IBO AGREEMENTS TERMINATED BY AMERIPLAN® FOR VIOLATIONS OF THE IBO AGREEMENT, IBO SALES DIRECTORAGREEMENT, OR THE IBO POLICIES AND PROCEDURES MANUAL ARE NOT ELIGIBLE FOR REINSTATEMENT.

Membership Changes

Changing Membership Plan Status Members may change the status of their membership to a different membership plan by notifying the AmeriPlan® Corporate Office

by email or letter. The membership fee is adjusted accordingly on the next draft date. New ID cards reflecting the change will beissued.

To change from Member to IBO:

• Complete the IBO Agreement.

• New drafting instructions must be included if the new IBO wishes to use a different account.

• A MEMBER MAY BE UPGRADED TO AN IBO BY ANY ACTIVE IBO. It is the responsibility of the enrolling IBO to discuss the businessopportunity with their members, if there is any interest. If a member is solicited as an IBO by another IBO – the enrolling IBO willlose that member from their downline and it will be transferred to the new enroller. Should this member be the qualifying “tagged’member of the original IBO that membership must be replaced in order to remain commission qualified.

• WHEN A MEMBER UPGRADES THEIR MEMBERSHIP THE SPONSORING IBO RECEIVES COMMISSIONS “AS-EARNED”. NO NEWADVANCE IS PAID TO THE SPONSORING IBO.

Membership Cancellation & Refund Policy

If you are not satisfied within 30 days of your activation date, you may cancel your membership by written request.

• By mail: AmeriPlan® Bank and Credit Card Department5700 Democracy Drive, Plano, Texas 75024.

• By fax to: 469-229-4595.• By email to: [email protected]

You MUST include your member number with your written cancellation request.

AmeriPlan® will not collect additional membership fees once your cancellation request is processed.

Refunds: If you are not satisfied within 30 days of your activation date you may cancel and receive a refund of the membership fee paid. The one-time registration fee is Non-refundable. Please allow 30 days processing time for refunds. Cancellations received after the 30 day deadline will not be eligible for a refund.

AmeriPlan® is not responsible for money paid for healthcare services and products received from providers.

NO TELEPHONE CANCELLATION REQUESTS WILL BE ACCEPTED


Change of Address Your address may be changed online through the Member Portal. If you are having difficulty please call – IBO Services

469-229-4501, Option 3.

IBOS MUST HAVE THEIR IBO IDENTIFICATION NUMBER READY AND AVAILABLE WHEN CALLING IBO OR CUSTOMER SERVICE

Billing

Returned DraftsIf a Member or IBO fee draft is returned by the bank for INSUFFICIENT FUNDS, a letter or email is sent to the Member or IBOparticipant with instructions on how to remedy the account. If the bank draft is uncollectible a second time, the Member or IBOAgreement is Terminated. NO EXCEPTIONS.

If the draft is returned STOP PAYMENT, AUTHORIZATION REVOKED or DISPUTED for any reason, the member or IBO Agreement isTerminated immediately. This also includes STOP PAYMENT, AUTHORIZATION REVOKED or DISPUTED for any reason on anypurchase of sales aid items. NO EXCEPTIONS.

If a draft is returned for any other reason (account closed, refer to maker, invalid account, etc.) the Member or IBO Agreement isput on an “inactive” status and a letter is sent with instructions on how to bring the account current. During the inactive periodIBO Support Back Office is unavailable.

If a IBO participant is inactive due to a returned draft or check, any Commissions due on new business during the inactive periodare held and paid only when the IBO is returned to Active status. Inactive IBO participants may not use Commissions held duringperiods to make their account current. Their existing account must be corrected or new drafting provided.

Credit Card Declines If the initial Membership or IBO fee is declined, a letter or email is sent to the Member or IBO requesting new credit card or bank

draft information.

If an annual IBO renewal enrollment fee is declined the IBO is put on an inactive status and a letter or email is sent to the IBO whenthe credit card is attempted again. If the second charge is declined, the IBO Agreement is Terminated. NO EXCEPTIONS.

If a monthly Membership or IBO fee is declined the Membership or IBO participant is put on an inactive status and a letter or emailis sent notifying the Member or IBO when the credit card is attempted again. If this second charge is declined, the Member or IBOAgreement is Terminated. NO EXCEPTIONS.

If an IBO is inactive due to a declined credit card, any direct Commissions due on new business during the inactive period are heldand paid only when the IBO is returned to Active status. No bonuses will be held while an IBO is inactive and then later paid if theIBO is returned to Active status. IBOs may not use Commissions held during periods to make their account current. Their existingaccount must be corrected or new drafting provided.

Change of Payment Information If a Member or IBO wishes to change their payment information, they must send a fax or mail written notice of the change to

AmeriPlan®. The notice must include the Member’s or IBO’s Identification number, and the new draft/charge information.

Company List Bills

AmeriPlan® invoices a company on a monthly basis when there are five (5) or more employees participating in the program.

IBOs are required to complete and return the Employer Acceptance letter along with the applications for all participatingemployees and the appropriate initial membership fees. Each application must be signed by the employee requesting the plan. Itis at the IBO’s discretion to waive the registration fee on groups of five (5) or more employees. If the registration fee is waived, allCommissions are paid on an as-earned basis. For enrolled groups of 50 or more, Commissions are paid only on an as-earned basis,even if the one-time registration fee was collected.

A group consists of five (5) or more individuals with one common billing address. With certain restrictions, IBOs may submit agroup of 3 or 4 employees. The restriction is the company MUST submit payment by company bank draft or company credit cardONLY. No list billing is accepted for groups of less than five (5) employees.

Payment for any group must be made in one of the three (3) following forms: pre-printed company check, company bank draft, orcompany credit card. Personal checks or credit cards, Money Orders or Cashier’s Checks are not accepted for signing up groupbusiness. If a faxed copy of a pre-printed company check is submitted with the initial paperwork, the Bank Draft Authorizationportion of the Employer Acceptance Letter must be completed and signed before the account is drafted.

Group business is not active until the completed paperwork and full payment is received and verified.


Owners of companies may be an IBO on a list bill. Other employees of a list bill, wanting to become an IBO, must do so on theirown using their personal drafting information. All list bill statements are mailed by the 10th of each month and are due andpayable by the first day of the following month. If the 10th falls on a weekend or holiday, the billing statements are mailed the firstregular business day prior to the 10th.

If a company currently with AmeriPlan® wishes to add a new Member, the employee must complete and SIGN the new application.The company then prints the new Member’s name and monthly fee amount on the list bill of the month for which they arerequesting benefits. The new Member’s fee payment is then included in the check sent for that month, along with the attachedsigned application. Adding or deleting employees may be done through the group portal.

When the company has chosen the billing option of company credit card or bank draft, they add new Members by faxing the newsigned application to AmeriPlan®.

When a company that currently has a list bill with AmeriPlan® wishes to delete a member, the company draws a line through thecanceling Member’s name on the list bill and writes DELETE beside it. The monthly amount of that deleted Member is thensubtracted from the total payment for that month.

Deleted Members are removed from that month’s list bill and their benefits are available ONLY through the end of their coveredmonth. Deleted Members may continue benefits, on their own, outside of the employer group. They only need to submit theirdebit or credit card information to Bank and Credit Card Services.

To change the status of an employee currently signed up through a group, the company must submit a Change of Status Form.This is attached to a list bill payment or faxed to AmeriPlan®. Changes are effective upon receipt. Also, if these changes result in adifferent list billing total, the company must correct the invoice amount and check before submitting payment.

When a list bill company becomes 10 days past due, a letter is mailed to the sponsoring IBO notifying them that the list bill is 10 ormore days past due. If the account is not brought current by the date specified, the company and its employees become inactiveor Terminated. In some cases, a list bill company may have more than one IBO working with the Group. AmeriPlan® accepts newlist bill groups with up to three (3) IBOs. The IBO on the Employer Acceptance Letter is designated as the “achieving IBO”. Only the“achieving IBO” counts these list bill Members for pin level, contests, promotions. Only the list bill Members with the “achievingIBO’s” name and ID number on those applications count for such purposes. The “achieving IBO” and other IBO(s) sharing thebusiness are paid Commission only on those applications having their IBO names and ID numbers on them.

Provider Relations

Provider Referrals AmeriPlan® accepts medical, dental and chiropractic provider referrals from Members, IBOs or those considering membership. Each

referral must contain the patient’s name for each Provider referred. Referrals can be emailed to [email protected], faxed, ormailed to AmeriPlan®. If you send a referral via email, please state what type of doctor you are referring, with address and phonenumber.

Vision and Prescription referrals may also be sent to the Provider Relations Department. These referrals are forwarded to the respectivecompanies.

IBOs CANNOT UNDER ANY CIRCUMSTANCES SOLICIT A PROVIDER FOR AMERIPLAN®, OR LEAVE LITERATURE IN A PROSPECTIVEPROVIDER’S OFFICE.

Provider Look Ups Members or IBOs may contact Customer Service to request assistance in locating a network provider or they view providers on the

internet at www.ameriplanusa.com or savewithdiscounthealthcare.com.

Regional Fee Schedule AmeriPlan® has developed customized fee schedules for different regions. Note the correct fee schedules prior to signing up Members

in these areas.

Out-of-Market Provider Referrals If AmeriPlan® receives a Provider referral in a market where we are not currently operating, the referral is held until expansion plans

include that area.


Provider Complaints Provider complaints should be submitted in writing by the Member to the attention of the Provider Relations Problem Resolutionist at

AmeriPlan® Headquarters. All information in support of the complaint should be included, i.e., bills, statement of charges or othercorrespondence from the Provider.

All complaints are processed immediately and responded to in a timely manner.

PLEASE REFER A MEMBER WITH THESE COMPLAINTS TO AMERIPLAN®. IBOs CANNOT UNDER ANY CIRCUMSTANCES INTERVENEFOR A MEMBER AT A PROVIDER’S PLACE OF BUSINESS, INCLUDING TELEPHONE CALLS TO THE PROVIDER’S OFFICE.

AMERIPLAN® PROVIDERS MAY NOT SIGN UP AS AMERIPLAN® IBOs, AND AMERIPLAN® IBOs MAY NOT SIGN UP AS AMERIPLAN®PROVIDERS. NO EXCEPTIONS

Contacting Providers An IBO may only contact an AmeriPlan® Provider for professional services.

An IBO cannot attempt to recruit an AmeriPlan® Provider.

Sales Aids

AmeriPlan® materials, (which includes, but is not limited to, all Sales Aids and promotional materials) are under NO CIRCUMSTANCES,to be purchased and resold by any IBO.

To order Sales Aids:

• You may place your Sales Aids Order online through your back office. Verify all the required information and your shipping address(NO P.O. BOXES PLEASE.) A phone number where you can be reached during working hours will help us to process your ordermore quickly if we have to verify something on your order. If you don’t have access to the AmeriPlan Corporate Store you mayrequest a copy of the current Sales Aids Order Form by calling IBO support and ask that one be faxed or mailed to you.

• Faxed orders can only be accepted if payment is made by credit card.

• The Sales Aids Department cannot draft your bank account for payment.

• The Sales Aids Department does not keep your credit card information on file.

• Sales tax is calculated in accordance with the sales tax charged within the zip code of the shipping address. You may estimate 10%of the subtotal for shipping and handling charges, please remember this is only an estimate. The actual shipping charges willdepend on the weight of the order and the distance of the shipment. A $5 minimum will be applied for small orders.

Shipments Please allow 3 to 10 business days to receive your Sales Aid order after it has been received by AmeriPlan®. Sales Aid orders are

processed as they are received. SHIPMENTS CANNOT BE MADE TO P.O. BOXES.

Sales Aids Orders to Hawaii Please be aware that Sales Aids orders shipped to the state of Hawaii will cost more money. This is due to ground shipping services

not being available to this state.

Send Sales Aids Orders to: AmeriPlan®, 5700 Democracy Drive, Plano, Texas 75024, or fax to: 469-229-4588

Commissions, Advances, Overrides and Bonuses

IBO fees are renewed annually in all markets. That includes every state with the exception of the following states that AmeriPlan®chooses to not do business in: Alaska, Montana, North Dakota, Puerto Rico, South Dakota, Vermont and Wyoming. The annual feemust be paid in order to maintain an Active IBO status. No Commissions will be paid on the annual enrollment fee.

* All Commissions will accumulate until the balance exceeds $25.00.

The annual IBO fee will provide:

1) Three (3) personalized, e-commerce enabled websites

2) IBO back office for communications and management of your business

3) E-Kit – includes in IBO support, Includes all forms, brchures and training


In order to activate your IBO business an begin receiving Commissions the new IBO must buy or sell a new Membership, thismembership will be “tagged” as the activating membership and must remain active for the continuation of your right to receiveCommissions.

This ‘tagged’ membership also determines the commission rate you will receive on business you write. (see CompensationStructure section).

Example: You complete your IBO agreement with your first Annual Enrollment Fee. You sign as a new ‘Paid in Full’ member yourfriends, John and Jane Doe. As long as their account remains in good standing you will receive Commissions on any futuremembers at the rate of 40%.

If they, your ‘tagged’ account, should cancel their membership or become Inactive (their payment fails to clear) at any time duringthe month, you will have until the 10th day of the following month to replace or reactivate that ‘tagged’ account and receive yourearned commissions. If this is not accomplished on or before that date you are not Commission Qualified and any Commissionsduring that time period are forfeited.

Should the “tagged’ account be replaced or reactivated with a different type qualifying membership your Commission Rate will beeffected (see Compensation Structure section).

COMPENSATION STRUCTURE

As an IBO/Sales Director, your right to receive Commissions and AmeriPlan’s obligation to pay Commissions arise solely from theexpress language set forth in your IBO Agreement, the AmeriPlan® Policies and Procedures Manual currently in effect, and (ifapplicable) your Sales Director Agreement. IF FOR ANY REASON, YOUR IBO AGREEMENT OR SALES DIRECTOR AGREEMENT ISTERMINATED, YOUR RIGHT TO RECEIVE COMMISSIONS, INCLUDING BUT NOT LIMITED TO, ADVANCES, RESIDUALS, TEAMRESIDUALS, BONUSES AND CONTEST WINNINGS CEASES. Should there be a conflict between documents, the most current, postedversion of the Policies and Procedure Manual controls.

• Member Benefit Programs

All memberships will pay to the enroller first months commission of 40%. You will then receive a monthly residual commission of40% as long as the business is on the books.

IBOs are subject to a “Chargeback” of your Commissions if a member cancels within the termination period, as defined in theirmembership guide, and receives a refund of their membership fee or if a members initial payment does not clear their bank or isrefused by their credit card company.

• IBO Benefit Programs

IBO annual fees will not earn Commissions nor will they add to your monthly revenue. In addition, they will not count towardspromotions or contests. Commissions are paid on Membership Sales only.

• New commissions on business after September 1, 2015

Once the IBO agreement is signed the new IBO must buy or sell one of the AmeriPlan Lifestyle memberships. The commission onthis membership, whether bought or sold will be paid to the enroller of the $24.95 IBO. This membership will be ‘tagged’ as theactivating membership.

IBO ADVANCE COMMISSIONS FOR REGULAR MEMBERSHIPS

1st Qualified IBO Recruited That Month = $40.00 (4 month advance commission) 2nd Qualified IBO Recruited That Month = $50.00 (5 month advance commission) 3rd Qualified IBO Recruited That Month = $60.00 (6 month advance commission) 4th Qualified IBO Recruited That Month = $70.00 (7 month advance commission) 5th Qualified IBO Recruited That Month = $80.00 (8 month advance commission)6th – 10th Qualified IBO Recruited That Month = $90.00 (9 month advance commissions) 11th + Qualified IBO Recruited That Month = $100.00 (10 month advance commissions)

IBO ADVANCE COMMISSIONS FOR COMBO MEMBERSHIPS

1st Combo Qualified IBO Recruited Each Month = $64.00 (4 month advance commission) 2nd Combo Qualified IBO Recruited Each Month = $80.00 (5 month advance commission) 3rd Combo Qualified IBO Recruited Each Month = $96.00 (6 month advance commission) 4th Combo Qualified IBO Recruited Each Month = $112.00 (7 month advance commission) 5th Combo Qualified IBO Recruited Each Month = $128.00 (8 month advance commission)6th – 10th Combo Qualified IBO Recruited Each Month = $144.00 (9 month advance commissions)11th + Combo Qualified IBO Recruited Each Month = $160.00 (10 month advance commissions)


REGULAR NON-IBO MEMBERSHIP COMMISSIONS

1st Member Enrolled That Month = $20.00 (2 month advance commission)2nd Member Enrolled That Month = $30.00 (3 month advance commission)3rd Member Enrolled That Month = $40.00 (4 month advance commission)4th + Member Enrolled That Month = $50.00 (5 month advance commission)

COMBO NON-IBO MEMBERSHIP COMMISSIONS

1st Combo Member Enrolled Each Month = $32.00 (2 month advance commission)2nd Combo Member Enrolled Each Month = $48.00 (3 month advance commission)3rd Combo Member Enrolled Each Month = $64.00 (4 month advance commission)4th + Combo Member Enrolled Each Month = $80.00 (5 month advance commission)

IBOs will have the option of “turing off” advances and receive all upfront commissions “as earned”

NOTES: All IBO’s will have their membership grandfathered and remain at their current commission level. These IBO’s along with the existingPlatinum Freedom Pass IBO’s will be the only IBO’s earning at a 40% level on all business written.

*Reminder a downgrade at any time will require a six (6) month abstention.

ChargebacksAll unearned advance commissions will be subject to chargebacks. Chargebacks will be deducted from your personal residual commissions, iffunds are available. If there is not sufficient personal residual commissions to cover your chargebacks each month, then the deficient amountwill be deducted from your Team Residual Commissions* to a maximum of 25%. YOU WILL ALWAYS RECEIVE A MINIMUM OF 75% OF YOURTEAM RESIDUAL COMMISSIONS REGARDLESS OF THE AMOUNT OF YOUR CHARGEBACKS EACH MONTH.

Pin Levels Beginning September 1, 2015 to promote to Regional Sales Director an IBO must personally enroll 10 new members or 10 new Qualified

IBOs or any combination of members and qualified IBOs. Please note no points are awarded for an IBO Annual Enrollment Fee.

Senior Regional Sales Director (SRSD) - to attain SRSD you must be an Active Qualified RSD and must have at least three (3) Qualified firstlevel Active, RSDs.

Executive Sales Director (ESD) - to attain ESD you must be an Active Qualified SRSD and must have at least six (6) Qualified first level Active,RSD.

Senior Executive Sales Director (SESD) - to attain SESD you must be an Active Qualified ESD and must have at least nine (9) Qualified firstlevel Active, RSDs.

National Sales Director (NSD) - to attain NSD you must be an Active Qualified SESD and must have at least twelve (12) Qualified first levelActive, RSDs.

• Vice President Pin Levels:

To qualify to start on the “Journey to NVP” you must be an Active National Sales Director and a member of the President’s $50,000 Club.

Regional Vice President: Personally be a President’s $50,000 Club member and have two (2) President’s 25k club or higher members inyour first four levels. One (1) of the two must be on your first level.

Senior Regional Vice President: Personally be a President’s $50,000 Club member and have four (4) President’s 25k club or highermembers in your first four levels. One (1) of the four must be on your first level.

Executive Vice President: Personally be a President’s $50,000 Club member and have six (6) President’s 25k club or higher members inyour first four levels. Two (2) of the six must be on your first level.

Senior Executive Vice President: Personally be a President’s $50,000 Club member and have eight (8) President’s 25k club or highermembers in your first four levels. Two (2) of the eight must be on your first level.

National Vice President: Personally be a President’s $50,000 Club member with $10,000 in Personal MR and have:

Four (4) National Sales Directors on your first level, Three (3) National Sales Directors on your second level,Two (2) National Sales Directors on your third level andOne (1) National Sales Director on your fourth level.

New National Vice Presidents earn a 1% override on the 5th generation and below Sales Group Monthly Revenue. The 1% override pays downline to the 3rd generation of NVPs.


Team Residual (Builders Bonus) Regional Sales Director – 5% Commission on business of your first frontline RSD promoted – when your second frontline RSD is

promoted you will earn 10% Commission on your first and second RSDs

Senior Regional Sales Director - 15% Commission on 1st level Sales Group Monthly Revenue.

Executive Sales Director - 10% Commission on 2nd level Sales Group Monthly Revenue.

Senior Executive Sales Director - 5% Commission on 3rd level Sales Group Monthly Revenue.

National Sales Director - 3% Commission on 4th level Sales Group Monthly Revenue.

National Vice President - 1% Commission on 5th level and below (infinity) Sales Group Monthly Revenue. The 1% Commission ispaid downline to the third generation of NVPs.*

* Beginning with the third generation NVPs and below, the 1% override is not paid.

Builders Bonus are paid on the 18th of each month. However, in the event the 18th falls on a Saturday, Sunday, or holiday, BuildersBonus are paid on the following business day.

FAST TRACK PROGRAM Beginning September 1, 2015

When the new IBO has to their credit one hundred (100) RSD points , by enrolling 10 members or 10 qualified IBOs), within thirty(30) days or less from the IBO’s active date they are a Fast Track RSD. As a Fast Track RSD they will be prequalified for a Fast TrackBonus of $300.

Checks will be issued and mailed following verification and audit. The audit process may take up to 30 days to complete. AllBonus’ are subject to chargeback, including but not limited to, fraud, cancellations, return drafts and/or refunds.


Late List Bill Collections When a list bill pays their invoice within the month of the due date, the sponsoring IBO receives full Commission on the list bill.

If a list bill pays their invoice after the month of its due date, AmeriPlan® will pay full Commission on the list bill to the sponsoringIBO the following month after payment is received.

Records & Reports As an IBO, you truly are an Independent Business Owner, responsible for keeping records of your business income and expenses.

You may do this on your own, through a bookkeeper or a Certified Public Accountant. AmeriPlan® provides you with allinformation for verification of Commission and authorized deductions through your check details, in conjunction with both yourIncome and, Business Builder Bonus reports. At year-end we report to you and the Internal Revenue Service 1099 Income on an“actual” basis. This means all of your gross income less any charge-backs will be reported in the year it was actually “paid” to you,which may or may not be the year it was “earned”.

AmeriPlan® Group Division

Business Benefits – Group Sales All AmeriPlan® (full price only) memberships may be sold on a Group basis. AmeriPlan’s definition of a group is:

Five (5) or more employees/members in a group with a single payor. (Usually an employer)

No list billing will be accepted for groups of less than five (5) employees. With certain restrictions an IBO may submit a group of lessthan 5 employees. Those restrictions being, the company MUST submit payment by company bank draft or company credit cardONLY.

All group business may be managed on-line once on the system. The client will have total access to add new/additional employeesand delete employees as well as manage the payment process.

Company List Bills

A small group consists of five to 500 employees/members, where AmeriPlan® is sending one monthly bill to the company and thecompany is submitting one payment. With certain restrictions, IBOs may submit a group of 3 or 4 employees. Those restrictionsbeing, the company MUST submit payment by company bank draft or company credit card ONLY. No list billing will be acceptedfor groups of less than five (5) employees. (See page 6 - company list bills)

• Company Membership

The following checklist describes all the paperwork needing to be completed before submitting a new group. Group business willnot become active until the date the completed paperwork and full payment is received and verified.

• Employer Acceptance Letter - completed and signed by an authorized company/group representative.

• Individual Application - Group - completed and signed by each employee, with their home address and phone number.

• Payment must be received in one of the following manners:

Check ~ This must be a pre-printed company check with the same company information as on the Employer Acceptance Letter.

Bank Draft ~ The Bank Draft Authorization portion of the Employer Acceptance Letter must be signed and a void copy of a pre-printed company check must be attached.

Credit Card ~ This must be a company credit card. No personal credit card will be accepted. A legible copy of the credit card mustaccompany the paperwork.

When an IBO personally signs up a new group with 5 to 50 members, the IBO has the option to waive the one time, per personregistration fee. If you waive the fee, you will be paid Commission on an As-Earned basis only. No advances will be paid.

When an IBO personally signs up a new group of 51 to 500 members, you will ONLY be paid As-Earned, whether you waive theregistration fee or not. No advances will be paid on this. In some cases small group businesses may have more than one IBOworking on them. AmeriPlan® accepts new small group business with up to three (3) IBOs. The IBO on the “Employer AcceptanceLetter” is designated as the “Achieving IBO”. Only the “Achieving IBO” may count these Members for pin level, contests, and/orpromotions. Only the members with the achieving IBO’s name and number on those applications count for such purposes. Theachieving IBO and other IBO(s) sharing the business are paid Commission on only those applications that have their IBO names andnumbers on the application.

Advertising

Internet Advertising The only approved Internet member advertising websites are www.ameriplanusa.com and savewithdisounthealthcare.com.

These web sites are approved in all states, in which AmeriPlan conducts business. All other websites must display a disclosure andlink, provided by AmeriPlan® Web Compliance, at the bottom of all web pages that mention AmeriPlan’s discount programs. Thelink must connect to the approved company sites listed above.

For more information, contact AmeriPlan® Sales Department at [email protected].

Company Approval AmeriPlan® must approve in writing all advertising copy including, but not limited to, using the AmeriPlan® name, trademark or

logo for any media including newspapers, posters, flyers, promotional items, etc. It is each IBO’s individual responsibility to obtainapproval from AmeriPlan® for any advertisement to be used. NO IBO SHOULD ACCEPT AD COPY FROM ANYONE AND ASSUMEIT HAS BEEN APPROVED.

FAILURE TO OBTAIN WRITTEN APPROVAL CAN RESULT IN TERMINATION OF THE IBO AGREEMENT.

Requests for approval are submitted by mail to the Corporate Sales Department exactly as it is to appear in the publication. Theapproval process takes approximately ten (10) business days. Once approved, AmeriPlan® notifies the IBO by phone, fax or e-mail.

Testimonials AmeriPlan® provides ALL testimonials. IBOs CANNOT provide testimonials to be distributed in any manner unless submitted to, and

approved by AmeriPlan®. Testimonials cannot include Provider names or locations.

Company Names, Trademarks & Logos AmeriPlan® employee names, corporate names, trademarks, and logos are proprietary and cannot be used in any manner,

including reproduction of literature or in any advertisement without prior written approval from AmeriPlan®. Any approved use ofsuch corporate names, trademarks or logos must indicate that the IBO is an Independent Business Owner of AmeriPlan®.Advertisements to attract IBO or business opportunity advertising must be run blind, i.e. without reference to AmeriPlan® unlessapproved by AmeriPlan®.

AmeriPlan® strictly prohibits the use of its corporate name, logo or trademark or any statements with respect to AmeriPlan®business or operations in any banking activity by an AmeriPlan® IBO.

VIOLATION OF THIS POLICY COULD RESULT IN THE TERMINATION OF THE IBOS AGREEMENT.

Public or Electronic Advertising Media All IBOs must be familiar with, and follow all local and state laws that govern advertising in their areas. AmeriPlan® strictly prohibits

IBOs attaching fliers, signs or other forms of advertisements on to or in public property. IBOs are not permitted to attachadvertisements to street signs, trees, park benches, or any other public property. Violations of this provision can subject the IBO tofines and or termination. Advertising in national publications cannot include any samples of our fee schedules and must also statethat AmeriPlan® does not conduct business in the states of Alaska, Montana, North Dakota, Puerto Rico, South Dakota, Vermont orWyoming.

Pop-up or banner advertising on the Internet is allowed only AFTER final advertising copy is approved by AmeriPlan®. Pop-upadvertising must not appear on ANY official AmeriPlan® websites (see listing under website section below). In most cases IBOsusing pop-up advertising employ the services of a third party vendor to make sure the pop-up ad appears on as many websites aspossible.

IBOs using pop-up advertising must provide a list of official AmeriPlan® websites to the vendor. It is the IBO’s responsibility toensure that the vendor takes the appropriate steps to prevent the pop-up ad from appearing on ANY official AmeriPlan® website.IBOs whose pop-up ads appear on ANY official AmeriPlan® website are subject to Termination of the Basic IBOs Agreement.

Websites Official websites currently owned and operated by AmeriPlan® include but are not limited to:

www.ameriplanusa.com – AmeriPlan® Corporate home page www.ameriplanusaprovidersearch.com – used to locate an AmeriPlan® provider and corresponding fee schedule www.deliveringonthepromise.com – AmeriPlan® combination application landing page savewithdiscounthealthcare.com – AmeriPlan® member application page ameriplanopportunity.com – AmeriPlan® IBO opportunity application page


www.ameriplanusa.com may be accessed by anyone knowing the domain address (URL); however, all IBO information regarding downline lookup

(genealogies),Team Residual Override Reports, account status, contests and incentives, activity calendar, schedule of events, bulletins, etc., will onlybe available at IBO Support.

AmeriPlan® IBOs may access IBO Support at the following URLs: www.ameriplanusa.com/ibo www.iboplus.com (click on IBO Support login) www.ameriplan.net

and your Make Money sites (click on IBO Support login) using their unique IBO ID#s and passwords.

IBOS MUST CHECK, AND AGREE TO, THEIR IBO SUPPORT SITE EVERY DAY TO REVIEW ANY AND ALL UPDATES, INCLUDING,BUT NOT LIMITED TO, FUTURE AMENDMENTS TO THE IBO POLICY AND PROCEDURE MANUAL.

Internet Commerce Package (ICP) An AmeriPlan® Independent Business Owner (IBO) who wishes to conduct business over the Internet for the purpose of enrolling

IBO Participants, or enrolling Members may do so through the use of the AmeriPlan® Internet Commerce Package, (ICP).

ICP consists of:

Personalized e-commerce enabled Membership application URLs: username.savewithdiscounthealthcare.com Business-building IBO recruiting URLs: username.ameriplanopportunity.com And a combination landing page: www.deliveringonthepromise.com/[username]

Modifications to the ICP websites can be made through online IBO Support. AmeriPlan® will provide the support for ICPs. Allquestions regarding an ICP site should be directed to AmeriPlan® IBO Services at 469-229-4501, option 3.

IBO ICP URLs cannot contain trademarks of AmeriPlan® or any other discount health card companies. IBOs are solely liable for anytrademark infringement of other discount health card companies.

Alternate Websites AmeriPlan® recognizes the significant role the Internet may play in building an IBO’s business and needs to ensure that this

resource accurately promotes AmeriPlan®, the IBO’s relationship with the company and the AmeriPlan® marketing philosophy.AmeriPlan® Corporation or AmeriPlan®-approved alternate websites are the only websites on the Internet that may use theAmeriPlan® Trademarks and/or Copyrighted materials including, but not limited to, names, slogans, logos, service marks and/ortrade names. An alternate website is any website used by an AmeriPlan® IBO to promote AmeriPlan® other than the AmeriPlan®Corporate sites.

In order for AmeriPlan® to comply with regulation requirements, AmeriPlan® will order non-compliant sites to adhere to itspublished policies or be removed from the Internet. AmeriPlan® will enforce this policy by taking legal steps to protect the use ofits intellectual property.

For this reason AmeriPlan® has issued the following guidelines regarding alternate websites to protect the AmeriPlan® professionalimage, promote consistency in the AmeriPlan® message and ensure that it is protected from unauthorized, untruthful, orexaggerated claims.

IBOs who use alternate websites, URLs, redirecting URLs and/or Meta tags which promote their business over the Internet throughthe use of trademarks of other discount health card companies, are solely liable for any infringement of such trademark. In addition,the IBO may be subject to termination. Website registration does not constitute approval of any trademark infringement. Also, ifyou are using images from an AmeriPlan® corporate website, please be aware that such images have not been authorized for third-party (your) use. In the event your use of such images causes damages or claims to AmeriPlan®, you agree to hold AmeriPlan®harmless and indemnify it from any damages and liabilities resulting from your use of the images.


AmeriPlan® reserves the right to refuse any site.

Any unauthorized site changes or violations of policy is cause for withdrawal of the approval.

For more information, see the Internet Marketing & Electronic Commerce Policies & Procedures Guide.

Spamming Spamming is a violation of state and federal laws. Spam is the indiscriminate mass posting and distribution of unsolicited

electronic messages over the Internet in an attempt to force the message on people who would not otherwise choose to receiveit. Upon review and proof of sufficient evidence of an IBO using spam techniques, an IBO can be immediately terminated forviolation of the AmeriPlan® anti-spamming policy.

Can-Spam Advertising of the AmeriPlan services or opportunity by sending e-mail messages to wireless devices without prior permission is

prohibited. This prohibited activity covers messages sent to cell phones if the message uses an Internet address that includes anInternet domain name.

Online Auctions AmeriPlan® IBOs cannot advertise AmeriPlan® services online for sale as an auction item. Listing or promoting AmeriPlan® services

for sale on an online auction constitutes a violation of AmeriPlan’s Internet Policy & Procedures.

Restrictions on Telephone Solicitation Federal and state laws restrict the use of telephone equipment for advertising AmeriPlan® member benefits and business

opportunity and prohibit certain unsolicited telephone calls and wireless text messaging regarding AmeriPlan® member benefitsand business opportunity. AmeriPlan® charges back to the offending IBO any costs or expenses paid or incurred by AmeriPlan® asa result of any violation of this telephone solicitation policy. This chargeback policy is strictly enforced.

• ROBO DIALING, FAX BLAST, TEXTING AND AUTO-DIAL ADVERTISING IS PROHIBITED

• TELEPHONE CALLS TO TELEPHONE NUMBERS ON A DO NOT CALL LIST:

Federal and State DO NOT CALL laws restrict unsolicited telephone sales calls to persons who have registered their telephonenumber on a Federal or State DO NOT CALL list. It is a violation of law to call any person on a DO NOT CALL list for the purposeof soliciting the sale of an AmeriPlan® membership or recruiting an IBO. Violations of the Federal DO NOT CALL list can result infines starting at $11,000. Any IBO that solicits any person for their AmeriPlan® business by making telephone calls to numbers ona DO NOT CALL list is subject to immediate terminates of the Basic IBOs Agreement.

• TELEPHONE NUMBER DATABASE It is the responsibility of the IBO to obtain written verification that the telephone number is NOT registered on a DO NOT CALL list,

prior to making an unsolicited telephone call to any person for the purpose of soliciting business. DO NOT CALL telephonenumbers can be checked through you state government office or the National Do Not Call site.

Outgoing Calls • PROHIBITED UNSOLICITED CALLS Unsolicited calls to a person on a DO NOT CALL list maintained by a government agency or AmeriPlan® may ONLY be made if

AmeriPlan® (1) has received an express signed written consent that clearly states that such person has authorized an AmeriPlan®IBO to call about an AmeriPlan® Member benefit plan or an unsolicited consent to call about the AmeriPlan® opportunity andidentifies the phone number that may be called, or (2) AmeriPlan® has an established business relationship with the person, andthat person has not stated to any AmeriPlan® IBO that they do not want to receive calls from an AmeriPlan® IBO. An establishedbusiness relationship is that person’s purchase of the AmeriPlan® Member benefits plan within the last 18 months, or the personhas made an inquiry regarding AmeriPlan’s Member benefits plan within three months prior to the call.

• REQUIRED DISCLOSURES

If the number called is a person NOT registered on a DO NOT CALL list, the IBO must make clear and understandable thedisclosures to the person called regarding AmeriPlan’s Member benefits and/or business opportunity.

It is a violation of federal law for an AmeriPlan® IBO to make an unsolicited call to any private residence or wireless telephonein the United States using an automatic dialing machine to deliver an artificial or pre-recorded voice or text advertising messageor using a facsimile machine or service computer to send advertising. This prohibited activity includes text messages andshort message service (SMS) messages sent to a wireless phone number. The law gives the receiver of the unsolicited callthe right to legally collect up to $1,500 for each call, text or facsimile received. Any IBO who advertises their AmeriPlan®business using any of these prohibited telephone solicitation methods is subject to immediate termination.


• CALL SOLICITING MEMBERSHIP If the number called is for the purpose of soliciting a person to become a Member, the required disclosures the IBO must make

during the phone call are all of the statements set forth in the AmeriPlan® membership application brochure, including but notlimited to, the monthly recurring cost of the plan and the 30-day satisfaction guarantee. The IBO must state the membershipagreement is for a one (1) year period, but may be terminated on 30 days written notice and there are no refunds.

• CALLS SOLICITING BUSINESS OPPORTUNITY

If the number called is for the purpose of soliciting a person to become an IBO participant, the sponsoring IBO must disclose duringthe phone call all of the terms and conditions set forth on the front and back of the Basic IBO agreement, including but not limitedto, the annual recurring enrollment fee. The sponsoring IBO must state that the Basic IBOs Agreement is for a one (1) year period,but may be terminated on 30 days written notice and there are no refunds.

• REQUEST TO BE PUT ON DO NOT CALL LIST If a person is called whose number is NOT on a DO NOT CALL list and that person tells you to put their name and telephone

number on the AmeriPlan® DO NOT CALL list, the IBO must immediately report such person’s name and telephone number toAmeriPlan® through their IBO Support website.

• AUTHORIZATION FOR CREDIT CARD OR BANK DRAFT When a verbal authorization is obtained to charge a credit card or draft a bank account, the sponsoring IBO must obtain at least

one of the following forms of authorization:

• Written signature on a Member or IBO application/agreement, by fax or mail or

• A tape recording of the authorization clearly stating the person’s identity, authorization, date, amount, bank name,account/routing number and that the charges/drafts are recurring monthly on the 3rd or 18th of each month.

• TIMES FOR PERMITTED CALLS Calls to persons NOT on a DO NOT CALL LIST or permitted calls to a person on a DO NOT CALL LIST must be made between 8:00

AM and 9:00 PM local time at the called person’s location. Some states have more restrictive hours during which calls can be made.It is the responsibility of the IBO to determine the permitted hours of the state being called.

• CALLER ID All telephone calls must be made with a caller identification service that allows the receiver of the call to display, at the time of the

call, the telephone number and (where available) the name of the person calling.

• REQUIRED RECORD KEEPING For telephone solicitations to persons NOT on a DO NOT CALL LIST or permitted calls to persons on a DO NOT CALL LIST, it is the

responsibility of each IBO to keep the following records for 24 months from the date of the call:

• The name and address of each customer, the AmeriPlan® services purchased, the date of which such services are purchased,and the amount paid for the services.

• The name, address, and telephone number of each person directly involved in telephone sales.

• All written or recorded authorizations for ACH or credit/debit card transactions.

• Exception to DO NOT CALL Rule: The only exception to the DO NOT CALL LIST laws are telephone calls in which the sale isnot completed and no payment authorization is obtained until you make a face-to-face sales presentation to the prospectiveMember or IBO.

A WORD OF CAUTION: Most people do not know that this is an exception to the DO NOT CALL list law, and will most likely claim aviolation for the call. Because of this, it is strongly advised for each IBO to record each telephone call. Doing this serves as evidencethat an attempt was made to set an appointment for a face-to-face sales presentation, and that an attempt to sell over thetelephone was not made.

Incoming Calls • CALLS IN RESPONSE TO ADVERTISING FOR BUSINESS OPPORTUNITY The DO NOT CALL laws prohibit an AmeriPlan® IBO from receiving a telephone call from a person, who is registered on a DO NOT

CALL list, in response to an advertisement in any media including direct mail relating to recruiting, becoming an IBO, or thebusiness opportunity of AmeriPlan®. Direct mail includes fax transmissions and e-mail on the Internet.

THIS LAW APPLIES UNLESS AN EXISTING BUSINESS RELATIONSHIP IS ALREADY ESTABLISHED.

• LEADS Prospecting websites or print advertising collateral needs to contain the following opt-in language: (Press radio button or sign return card.)

I AGREE: If I am on a National or State DO NOT CALL LIST, by submitting my contact information which


includes my telephone number, you are authorized to contact me by telephone at that number regarding the AmeriPlan® BusinessOpportunity for the three (3) month period following date of this consent.

• CALLS IN RESPONSE TO ADVERTISING FOR MEMBERSHIP An IBO can receive a telephone call from a person in response to an advertisement in any media, except direct mail, for membership

for AmeriPlan® discount plan, provided all the disclosures discussed above are made during the phone call.

• CALLS IN RESPONSE TO DIRECT MAIL FOR MEMBERSHIP An IBO can receive a telephone call from a person in response to a direct mail advertisement for membership in the AmeriPlan®

discount benefit as long as the mailing clearly states the required disclosure described above.

• UPSELL DURING MEMBERSHIP CALL An IBO receiving a call about membership is prohibited from attempting to upsell such person to the AmeriPlan® business

opportunity.

Advertising Rules & Regulations

AmeriPlan’s policy is very specific in these matters.

FAILURE TO COMPLY WITH THESE POLICIES CAN RESULT IN TERMINATION OF THE IBO BENEFITS AGREEMENT.

AmeriPlan® strictly prohibits the use of the following words (and/or derivatives thereof) and phrases in any type of advertisements*:

Agency (no acceptable replacement)

Benefits (“Programs” is an acceptable replacement.)

Broker (“IBO” or “Independent Business Owner” is an acceptable replacement.)

Comprehensive/Major Medical (no acceptable replacement)

Copay (the phrase “Member pays all healthcare provider fees” is an acceptable replacement)

Copayments (the phrase “Member pays all healthcare provider fees” is an acceptable replacement)

Coverage (“Program” is an acceptable replacement)

Covers (“Includes” is an acceptable replacement)

Enroll (“Sign Up” is an acceptable replacement)

Enroller (“IBO” is an acceptable replacement)

Enrollment (“Member application” is an acceptable replacement)

Guaranteed Issue (the phrase “Membership fee guaranteed for two years” is an acceptable replacement)

Health Plan (“Health Program” is an acceptable replacement)

Insurance (“Discount Programs” is an acceptable replacement.)

No claim forms (“No paperwork” is an acceptable replacement.)

No deductibles (“Instant savings” is an acceptable replacement.)

Only National Discount Eyewear Plan endorsed by the Opticians Association of America

(no acceptable replacement)

PAO or Provider Access Organization (“DMPO” or “Discount Medical Plan Organization” is an acceptablereplacement)

PPO or Provider Preferred Organization (“DMPO” or “Discount Medical Plan Organization” is an acceptablereplacement)

Pre-existing conditions (the phrase “Most ongoing dental/medical problems are accepted” an acceptablereplacement)

Policy (“membership” is an acceptable replacement.)

Premium (“Membership fee” is an acceptable replacement)

USA (Please remove “USA” from everywhere “AmeriPlan® USA” is used, there is no acceptable replacement.)

* OR ANY OTHER WORD(s) OR PHRASE(s) THAT COULD REASONABLY MISLEAD A PERSON INTO BELIEVING THAT A DISCOUNTPLAN OFFERED BY AMERIPLAN® IS INSURANCE.


Reproduction of Sales Materials IBOs can promote their business in any legal or ethical manner as long as the AmeriPlan® name or logo is not used without prior

written authorization. No reproduction of AmeriPlan® literature or material is allowed. Only original Sales Aids materials purchasedfrom AmeriPlan® are accepted.

ALL AMERIPLAN® LITERATURE AND SALES AIDS ARE COPYRIGHTED AND CANNOT BE DUPLICATED IN ANY FORM WITHOUTEXPRESS WRITTEN

CONSENT FROM AMERIPLAN®.

IBOs CANNOT REPACKAGE, RELABEL OR RESELL FOR PROFIT ANY AMERIPLAN® SALES AIDS.

This restriction includes, but is not limited to, photocopies, graphic reproduction, translated verbiage and copy taken in part and/orout of context. IBOs cannot state or imply that AmeriPlan® approves or endorses any privately produced motivational literature ortraining materials used within their own organization. IBOs can promote AmeriPlan® with the condition that the programs are notshown or displayed with any other products that are sold via network marketing or that may conflict with AmeriPlan® programs.

Ethics

IBOs/Sales Directors must comply with all federal, state and municipal laws relating to independent contractor businesses, and notengage in any unlawful or illegal trade practices or business activity. IBOs/Sales Directors are expected to conduct their businessin a manner that reflects the highest standards of honesty, integrity, and responsibility toward customers, fellow IBOs/SalesDirectors, AmeriPlan® and its staff.

Unethical Activitiy AmeriPlan® does not permit its IBOs/Sales Directors to participate in any activity that is unethical, and intercedes when unethical

behavior is evident. At its sole discretion, AmeriPlan® will determine whether certain activities are unethical, and if certain activitiesare determined to be unethical, AmeriPlan may, at its sole discretion, Terminate the IBO’s/Sales Director’s Agreement(s), thusending the IBO’s/Sales Director’s right to receive Commissions including but not limited to, advances, residuals, builder’s bonus,bonuses and contest winnings.

Examples of unethical activity include, but are not limited to:

• Any use of the AmeriPlan® name, logo, or trademark without prior written authorization relating to advertisementfor signing up IBOs and signing up Members.

• Any use of the AmeriPlan® name, logo, or trademark in any banking activity (i.e. credit card or bank accounts).

• Writing bad checks to AmeriPlan®.

• Unauthorized use of a credit card.

• Misrepresenting AmeriPlan®.

• Misuse of the AmeriPlan® name or misuse of the efforts of corporate personnel.

• Engaging in any deceptive or unlawful activity.

• Unauthorized duplication of AmeriPlan® literature.

• Failure to submit advertisements or proprietary sales material bearing the AmeriPlan® name for approval prior topublication.

• Any use of the AmeriPlan® name or logo in print or electronic media advertising.

• Soliciting AmeriPlan® employees, IBOs or Members to other direct sales or network marketing organizations, and/orconducting these activities in the offices/meeting locations of AmeriPlan®, or in close proximity of said places.

• Fraudulent alterations of a sponsoring IBO’s numbers on a Member application or Basic IBOs Agreement.

• Delayed submission of a Member or IBO application for any reason.

• Soliciting existing clients of any Provider in or near their place of business.

• Contacting a Provider or Provider’s employees for any reason other than for personal services as a patient.

• Soliciting AmeriPlan® employees to become AmeriPlan® IBOs.

• Directly or indirectly soliciting existing AmeriPlan® Members or IBOs with any other product or service without priorwritten consent from AmeriPlan®. (This provision excludes insurance agents from selling other health benefits to their clients.)

• Any activity that AmeriPlan, in its sole discretion, deems to be contrary to the spirit of the terms and conditions setforth in the IBO Agreement, the version of the AmeriPlan Policies and Procedures Manual then in effect, and/or (ifapplicable) the Sales Directors Agreement.


Dear AmeriPlan®:

The purpose of this letter is to notify you of my wish to sell my

Sales Directorship and to request that you initiate the ten day

notiÞcation period with all of my upline Sales Directors.

Regards,

Your Name123 Any StreetAnyville, ST 00000

Dear AmeriPlan®:

The purpose of this letter is to notify you of my wish to sell my

Sales Directorship and to request that you initiate the ten day

notiÞcation period with all of my upline Sales Directors.

Regards,

Your Name123 Any StreetAnyville, ST 00000

Phone Etiquette When calling the AmeriPlan® Headquarters Office in Plano, Texas, IBO/Customer Service is called at 469-229-4501. If the main

AmeriPlan® Corporate Office phone number is called by an existing IBO, the receptionist directs the call to IBO/Customer Service.The receptionist’s primary duty is to answer and direct Customer Service calls to the appropriate departments.

When a call is made to IBO/Customer Service, the following information is needed to expedite the call:

• IBO number

• The IBO/Member number or name of the person in question

• Verification of address, phone number and the last four digits of the bank account or credit card number (this is done for protectionpurposes).

General Provisions

Minimum Age An IBO must be at least 18 years of age.

Territorial Limits AmeriPlan® recognizes no exclusive territories. Therefore, IBOs are not limited in conducting business in any state or markets

(opened) by AmeriPlan®. All states (except Alaska, Montana, North Dakota, Puerto Rico, South Dakota, Vermont and Wyoming) areopen for Medical, Dental, Vision, Prescription and Chiropractic.

Assigning/Purchasing/Selling and AmeriPlan Business Sales Directors may assign, purchase or sell their AmeriPlan® business. AmeriPlan® reserves the right to approve the final outcome

on all assignment, purchasing, and selling of AmeriPlan® businesses.

Procedure for selling a Sales Directorship

1. Sales Directors wanting to offer their Directorship for sale must notify AmeriPlan® in writing (refer to sample letter).

2. Once AmeriPlan® receives a letter of intent to sell, AmeriPlan® notifies all of the selling Director’s direct upline Sales Directors.The direct upline Sales Directors have ten days from the date of the notification letter to contact the selling Director if theychoose to make an offer. The selling Director can sell to any existing Sales Director in their upline that has the same pin levelor above with AmeriPlan’s approval.

3. The purchasing Sales Director is required to incorporate (this is the only exception to the 12-month incorporation date policy) thepurchased Directorship, and then apply for and receive an Employer Identification Number (EIN) by completing a copy of theIRS form SS-4.

4. The sale is consummated when a copy of the Letter of Agreement is signed by both seller and buyer, and submitted toAmeriPlan® with a copy of the completed Form SS-4. A check for $100 made payable to AmeriPlan® (a Sales Directorship transferfee), along with drafting authorization/credit card information from the buyer for the acquired Directorship should also beincluded.

5. The purchasing Sales Director is not allowed to sign up any new IBOs or Members into the acquired Sales Director’s first level.All future activities must be generated by the existing IBOs in the acquired Sales Group after it has been purchased.


Amendments

IN ORDER TO MAINTAIN A VIABLE MARKETING COMPANY, AMERIPLAN® SPECIFICALLY RESERVES THE RIGHT TO MAKE ANYAMENDMENTS OR ADJUSTMENTS IT DEEMS NECESSARY WITH RESPECT TO THE RULES, REGULATIONS, POLICIES,PROCEDURES, COMPENSATION PLAN AND/OR PRICING. ANY CHANGES WILL BE INCORPORATED AS PART OF THE POLICIESAND PROCEDURES MANUAL AND/OR ALL AGREEMENTS BETWEEN AMERIPLAN® AND ITS IBOs.

Channels of Communication It is the responsibility of the IBO to answer all questions asked by their downline IBOs. In the event the question cannot be

answered at this level, the question should be directed to the next upline IBO. From there, any unanswered questions should bedirected to AmeriPlan® IBO Services. This system of communication is established to allow efficient corporate operations. Pleasefollow this procedure.

RSD Roll-Ups In keeping with our philosophy of rewarding leadership, AmeriPlan® has a qualification period for Regional Sales Director. In order

to maintain the integrity of an IBO’s management team and sales group, the following applies: When an IBO promotes to RegionalSales Director prior to their upline IBO, the upline IBO is given 45 days from the Regional Sales Director promotion date to qualifyas a Regional Sales Director themselves. Accomplishing this keeps the new Regional Sales Director within the same downline. If thisis not accomplished within the 45 day period, the new Regional Sales Director rolls up to the next available Sales Director. RSD Roll-ups do not count for contests. Be aware the business that rolls – up will include the $24.95 IBO Annual Enrollments and thequalifying memberships associated with them. These must be replaced in order for the original enroller to be CommissionQualified.

Senior RSD Roll-Ups AmeriPlan® also has a qualification period for Senior Regional Sales Director. In order to maintain the integrity of an IBO’s

management team and sales group, the following applies: When a Regional Sales Director promotes to Senior Regional SalesDirector prior to their upline IBO, the upline IBO is given 90 days to qualify as a Senior Regional Sales Director. Accomplishing thiskeeps the new Senior Regional Sales Director within the same downline. If this is not accomplished within the 90-day period, thenew Senior Regional Sales Director rolls up to the next available Senior Regional Sales Director or above. SRSD roll ups do not countfor contests. Be aware the business that rolls – up will include the $24.95 IBO Annual Enrollments and the qualifying membershipsassociated with them. These must be replaced in order for the original enroller to be Commission Qualified.

No Income Representations Actual or potential income representations or claims regarding the AmeriPlan® program are strictly prohibited.

Changing Sponsoring IBO Changing your sponsoring IBO is not allowed. AmeriPlan® believes it necessary to preserve the security of every IBO’s business as

well as the relationships IBOs have worked to build with their sales organizations.

IBOs wishing to change sponsoring IBOs must voluntarily cancel and then remain out of AmeriPlan® for at least six (6) months fromtheir terminates date before re-joining under a different IBO. IBOs exercising this option must pay all applicable fees, including theone time registration fee, as if joining as an AmeriPlan® IBO for the first time.

Additionally, any outstanding liability from their previous IBO account must be paid.

Presenting AmeriPlan’s Program to Prospects When offering AmeriPlan’s programs to prospective IBO participants or Members, you must present each program in its entirety, without

omission, distortion or misrepresentation. Any additional offers, representations or agreements made by an IBO in connection withAmeriPlan® programs are prohibited and may result in termination of the IBOs Agreement.

Disputes over Prospects A prospect has the right to choose their sponsoring IBO. Occasionally, one or more individuals may attempt to sign up the same

prospect, resulting in a dispute. In some cases, IBOs who believe they have successfully signed up a prospect may discover thatthe prospect is signed up under a different sponsoring IBO.

AmeriPlan® processes all applications as received, in the order received, whether by mail, facsimile, or Internet. Once theapplication has been entered into the AmeriPlan® system, the sponsoring IBO cannot be changed. If two or more applications arereceived for one prospect, the one received and processed first is recognized. AmeriPlan® does not mediate any dispute arisingover recruiting rights.

No IBO may have managerial or operational interest, nor derive any benefit directly or indirectly from any IBO under a differentsponsoring IBO than the one assigned when the IBO initially signed up with AmeriPlan®.


Multiple IBOs in a Household When an IBO’s spouse, child, parent or other household resident wants to also become an AmeriPlan IBO and is living in either the

same or a separate household, they must sign up under the same sponsoring IBO as the existing IBO.

Stacking “Stacking” occurs when an IBO assigns Members or IBOs they have personally signed up under another IBO. Stacking is done for

purposes that may include, but are not limited to promotion, monetary gain and qualification for awards or contests.

Signing up new IBOs and Members results from development of a personal, professional relationship based on trust between thesponsoring IBO and the prospect. Stacking constitutes a breach of that trust.

Further, stacking is a violation of AmeriPlan’s policies and procedures and is strongly discouraged. When discovered, anyapplications found to have been “stacked” are disqualified for any promotion, awards, contest or bonuses. Additionally, IBOs, whoin the company’s sole judgment are found stacking are subject to termination of the IBO and /or Sales Director AgreementAgreement (if Sales Director Agreement).

Cross-Recruiting IBOS/SALES DIRECTORS CANNOT SIGN UP OR ATTEMPT TO SIGN UP ANOTHER AMERIPLAN® IBO INTO OTHER NETWORK

MARKETING COMPANY, BUSINESSES OR OPPORTUNITY. IN ADDITION, NO IBO/SALES DIRECTOR CAN BENEFIT FROM ORPARTICIPATE IN, DIRECTLY OR INDIRECTLY, ANY ACTION THAT ATTEMPTS TO SIGN UP OR CAUSES ANOTHER IBO TO BESPONSORED THROUGH SOMEONE ELSE INTO ANOTHER NETWORK MARKETING COMPANY, BUSINESSES OROPPORTUNITY. AN IMPORTANT INVESTMENT IS MADE WHEN SPONSORING OCCURS, THUS FORMING A VALUABLEBUSINESS RELATIONSHIP BETWEEN IBOS/SALES DIRECTORS (AS WELL AS A VALUABLE BUSINESS RELATIONSHIP BETWEENIBOS/SALES DIRECTORS AND THE COMPANY). AMERIPLAN® HAS THE RESPONSIBILITY TO PROTECT THESE RELATIONSHIPSAND REGARDS CROSS-RECRUITING AS GROUNDS FOR IMMEDIATE TERMINATION OF THE IBO’S/SALES DIRECTOR’SAGREEMENT(S), THUS ENDING THE IBO’S/SALES DIRECTOR’S RIGHT TO RECEIVE COMMISSIONS, INCLUDING BUT NOTLIMITED TO, ADVANCES, RESIDUALS, TEAM RESIDUAL, BONUSES AND CONTEST WINNINGS. ADDITIONALLY, THEMEMBERS AND IBOS/SALES DIRECTORS ENROLLED BY OR DOWN LINE TO THE TERMINATED IBO/SALES DIRECTOR AND ALLREVENUES GENERATED THEREBY, SHALL BE ASSIGNED TO AMERIPLAN. AMERIPLAN SHALL CONTINUE TO PAY BUILDERSBONUS TO ELIGIBLE UP LINE IBO/SALES DIRECTORS AT THE APPROPRIATE LEVEL.

Affiliate Programs AmeriPlan® Independent Business Owners (IBOs) can approach other AmeriPlan® IBOs on their first level about affiliate programs

that sell business-building products or services (example: leads, auto-responders, services, materials).

These IBOs cannot receive monetary compensation (cash or any item negotiable or convertible into cash) from the sponsors or othersassociated with these programs. IBOs can receive non-monetary compensation, such as products or services in kind; however,these cannot be converted into cash. Violation of this policy can, at AmeriPlan’s discretion, result in termination of the IBO BenefitsAgreement.

National Sales Director Agreement All Sales Directors, upon promotion to National Sales Director, agree to not participate or engage in any business that, in the sole

opinion of AmeriPlan®, is competitive with AmeriPlan®, without the prior written consent of the Chief Executive Officer or Presidentof AmeriPlan®. Participation in a competitive endeavor without prior written consent from the Chief Executive Officer or Presidentof AmeriPlan shall be grounds for the immediate Termination of the offending IBO’s/Sales Director’s Agreements, thus ending theIBO’s/Sales Director’s right to receive Commissions, including but not limited to, advances, residuals, team residual, bonuses andcontest winnings. Additionally, the Members and IBOs/Sales Directors enrolled by or down line to the Terminated IBO/SalesDirector and all revenues generated thereby, shall be assigned to AmeriPlan.

Arbitration of Disputes Any issue, dispute, claim or controversy (collectively, the "Claim") between AmeriPlan or any officer, director, employee, manager,

member, affiliate, legal counsel and/or advisor of AmeriPlan and IBO /Sales Director, arising out of or relating to the Policies andProcedures Manual then in effect, the IBO and/or Sales Director Agreements or any of the other documents, shall be resolved bybinding arbitration at the AmeriPlan headquarters in Plano, Texas. The Claim shall be governed by the laws of the State of Texas.

(a) A party alleging a Claim shall send to the party against whom the Claim is asserted a written notice of its intention to submit theClaim to confidential and binding arbitration (the "Demand") under the Commercial Rules of Arbitration of the AmericanArbitration Association (AAA). The Demand shall be sent to the other party no later than ten (10) business days prior to filing theDemand with the AAA office authorized to administer the arbitration.

(b) A total of three arbitrators shall be appointed to resolve the Claim in accordance with this paragraph. Within 15 days afterconfirmation of notice of filing of the Demand is sent by the AAA to the parties, the parties filing a Claim and the parties againstwhom the Claim is asserted, shall each appoint one arbitrator, and the two arbitrators so chosen shall select a third arbitrator within15 days of the expiration of the 15-day period. Each arbitrator shall have at least 10 years of experience in an industry or professionrelated to the subject matter involved in the Claim, and all arbitration proceedings shall be held, and a transcribed record shall beprepared, in English. No party involved in the arbitration shall have the right to conduct discovery of the other (except as thearbitrators may so order on the application of another party), but shall furnish to the arbitrators such information as the arbitratorsmay reasonably request. The arbitrators shall send the award in writing to the parties within one (1) year from the date of theselection of the third arbitrator, or such later date as the parties may agree upon in writing. All parties to the arbitration shall beartheir own expenses of the arbitration, including those relating to the arbitrators, attorney's fees, experts and presentation of proofwith respect to the Claim.


(c) Any award granted by the arbitrators shall not include factual findings and legal reasoning.

(d) Following the entry of any award granted by the arbitrators, a party may move to confirm the award in any court having jurisdiction.Should the award be confirmed by a court of competent jurisdiction, the right of either party to appeal confirmation of the award shallbe governed by the provisions of the Federal Arbitration Act.

(e) Nothing in this Agreement shall limit a party's ability to seek injunctive relief in a court of competent jurisdiction.

(f) Any award granted by the arbitrators against AmeriPlan shall be satisfied no later than 10 years from the date of such award.

(g) Any award to an IBO/Sales Director through the arbitration process will be strictly limited to the complaining IBO’s/Sales Director’sactual damages. Under no circumstances will AmeriPlan be held responsible for punitive damages and/or any extra-contractualdamages and/or consequential damages. Furthermore, parties agree that the Arbitration Tribunal has the authority to awardcompensatory damages ONLY.

(h) Parties agree that a material breach occurs if a party circumvents this Arbitration Provision by seeking remedies through a court oflaw. In such instance, the breaching party shall bare all costs of court, attorneys’ fees, and any other fees arising from the breach, untilthe Claim conforms to terms of this Arbitration provision.

(i) As a condition precedent to filing a Claim under this Arbitration Provision, Claimant is required to deposit $25,000.00 cash into anescrow account designated and controlled by the AAA. Respondent is also required to deposit $25,000.00 into the same escrow accountand the total amount of the deposited escrow funds shall be applied to the costs of the arbitrators.

(j) Any modification of this agreement to arbitrate shall not apply retroactively to a Claim of which AmeriPlan had notice on the day ofthe amendment.

(k) Any termination of this agreement to arbitrate shall not be effective until 10 days after reasonable notice of termination is given toIBO or as to Claims which arose prior to the date of termination.

Severability

If any provision of this Policies and Procedures Manual is held to be unenforceable, theunenforceability of such provision shall not be held to invalidate any other provision in thisPolicies and Procedures Manual.


General Contest Rules & Regulations1. All applications must be submitted in one of the following manners: • Mailed Applications - Must be received by 4:00 P.M. (CST) at AmeriPlan® on the final business day of the contest.* • Faxed Applications - Must be faxed and received by 4:00 P.M. (CST) at AmeriPlan® on the final business day of the

contest.* • E-Commerce - Must be entered online before 5:00 P.M. (CST) on the final business day of contest. You must receive

confirmation that the application is accepted.* * Business received on AmeriPlan® holidays counts as “received” on the next business day.

2. Applications must be active accounts when the contest period ends in order to count for the contest.

3. Applications pending due to declined credit cards, incomplete applications, no drafting information, no money sent,bad account numbers, or any other reason that delays processing, do not count toward the contest.

4. Applications sent in without a sponsoring IBO number or an illegible IBO number do not count for the contest.

5. Postmark dates are not used for qualification deadlines. ALL APPLICATIONS MUST BE PHYSICALLY RECEIVED ATAMERIPLAN® .

6. Upgrades and reinstatements do not count for the contest. An upgrade is an existing Member upgrading to an IBO.A reinstatement is any terminated Member or IBO that reinstates within six (6) months of their termination date.Downgraded IBOs to Members also do not count under any circumstances.

7. IBOs cannot re-assign any active Members or IBOs in their personal downline to other downline IBOs for any reason.Once the application is received and processed by AmeriPlan®, the sponsoring IBO on the application is not,UNDER ANY CIRCUMSTANCES, changed.

8. AmeriPlan® may hold any prize money until all business is verified as good business. If business used to win acontest does not stay active for a minimum of six (6) months, AmeriPlan® reserves the right to chargeback allprize monies paid out or the monetary equivalent of prizes won.

9. When contest winners either have an inactive status or debt liability, they receive the prize money less any moneydue.

10. IBOs acting in any unethical manner can be disqualified from the contest at any time by AmeriPlan®.

11. Rollups do not count for any contest.

12. Stacking is prohibited and against company policy. When discovered, it disqualifies those applications fromcounting toward any awards, contests or bonuses. Stacking is defined as assigning Members or IBOs that youhave personally signed up under another IBO.

13. Member(s) paid for by other Members do not count for contests and promotions.

14. Members of a list bill not assigned to the “IBO of Record” do not count for contests or promotions.

15. Any commissions or bonuses paid for new business that is activated, but then cancels and receives a full refund, willbe charged back 100% to the sponsoring IBO or any IBO who receives compensation for the piece of n ewbusiness. This also applies to any disputed credit card refund that was made but not due to any action or no-action on the part of AmeriPlan.


© 2015. AmeriPlan® Corporation. All rights reserved.

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