CONTENTs E-1 E-1 E-2 E-3 E-5 E-9 E-37. business development plan. Welcome To CNI Great Family. Distinctive Features Of CNI Business Development Plan

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2 E - 0 CONTENTs E-1 E-1 E-2 Welcome To CNI Great Family Distinctive Features Of CNI Business Development Plan Promotion System E-3 How The Accumulative Promotion Value (PV) Plan Works From Distributor To Agency Manager E-5 E-9 E-37 How To Be Promoted From Agency Manager To Crown Diamond Agency Manager Bonuses And Incentives Key To Success

3 E - 1 WELCOME TO CNI GREAT FAMILY CNI welcomes you with open arms and offers you an exciting opportunity to change your whole life. The CNI Business Development Plan have helped thousands of distributors fullfil their dreams! You will be rewarded by the sales and services effort you put in. The reward may be multiple the effort you expend. Needless to say, your passive income earnings would depend on the size and productivity of your network. As your network grows and duplicated so will your earnings, stability and endurance. 1) DISTINCTIVE FEATURES OF cni fair Your status in CNI is not judged by early or late affiliation. Perhaps you wonder what benefits you could earn since there are thousands of CNI distributors before you. Our answer is there are plenty, because our system is such that an earlier or later affiliation is not the key criteria as to how much you can achieve in CNI. As long as you are willing to exert your best, be diligent and passionate about the Wellness business, you can always excel, lead and reap more benefits PRACTICAL The reward will exceed the effort you expend. What a normal working class earns is very limited and sometimes uncertain regardless of how much effort they put into their job. CNI Business Development Plan is extraordinary and exciting. As long as you exert your best, CNI Business Development Plan will reward you with a passive income, a balanced lifestyle and make your dreams come true. ACCUMULATIVE We ensure every effort you make is rewarded. In this system, no effort goes to waste. CNI Business Development Plan permits you to accumulate every point you make over any period of time. This ensures your promotion and gives you an appropriate income. PROFIT-SHARING The spirit of CNI Business Development Plan lies in its profit sharing system. Every month, CNI allocates a certain percentage of its monthly turnover to qualified distributors. The greater your productivity, the greater your reward will be. It is as if you are a shareholder of the company.

4 E - 2 2) promotion system Crown Diamond Agency Manager Asset Incentive Fund Achiever Distributor Double Diamond Agency Manager Asset Incentive Fund Achiever Ruby Agency Manager Agency Manager Sepervisor Emerald Agency Manager Pearl Agency Manager PS = 200PV, PGS = 2,000PV Direct AM GGS = 3AM x 7,000 PV OR 4AM x 5,000 PV PS = 200PV, PGS = 2,000PV Direct AM GGS = 3AM x 2,000 PV PS = 200PV, PGS = 500PV Direct AM GGS = 5AM x 45,000 PV Min. 400,000GPV & monthly bonus RM15,000 PS = 200PV, PGS = 500PV Direct AM GGS = 4AM x 30,000 PV Min. 150,000GPV & monthly bonus RM10,000 Diamond Agency Manager PS = 200PV, PGS = 500PV Direct AM GGS = 4AM x 20,000 PV PS = 200PV, PGS = 2,000PV Direct AM GGS = 4AM x 10,000 PV Achieve PGS 6,000PGPV in a month or Accumulate Personal Group Sales 10,000PV and achieve PGS2,000PGPV in the qualifying month 5,000PV Accumulative Personal Group Sales Purchase Business Kit / Accumulative Personal Group Sales PV Agency Manager To Million Diamond s Pins Recognition From The Company Distributor Level Leader Level Executive Level Note: MP RP BV PV PSPV PGPV GGPV PS PGS GGS CNI or the Company Member Price Retail Price Bonus Value Promotion Value Personal Sales PV Personal Group PV Gross Group PV Personal Sales Personal Group Sales, the aggregate sales of a distributor and his/her downline excluding agency manager rank and above and their respective downlines Gross Group Sales, aggregate sales of a distributor and all his/her downline including agency manager rank and above and their respective downlines CNI Enterprise (M) Sdn Bhd

5 E - 3 3) HOW THE ACCUMULATIVE PROMOTION VALUE (PV) Plan WORKS FROM DISTRIBUTOR TO AGENCY MANAGER QUALIFICATION / REQUIREMENT PERSONAL SALES PERSONAL GROUP SALES RANK IN THE NEXT MONTH 100PV Achieve 6,000PGPV within one month, Agency Manager (Fast Track) or Accumulate 10,000PV and achieve 2,000PGPV Agency Manager for the particular month 100PV Accumulate 5,000PV & above Supervisor 100PV Accumulate 1PV - 4,999PV Distributor A) Achieve Agency Manager Rank by Fast Track Method YOU PS:300PV A B C PS:2000PV PS:2000PV PS:2000PV YOU achieved PGPV 6300 within 1 month, therefore you will be promoted to Agency Manager in the following month. B) Achieve Agency Manager rank by accumulating 10,000PV and maintaining 2000PGPV for a particular month First Month YOU 300PV A B C 300PV 300PV 300PV YOU + A + B + C = 300PV + 300PV + 300PV + 300PV = 1,200PV YOU are an active distributor in the 1st month

6 E - 4 Second Month YOU 300PV 300PV 300PV 300PV A B C A1 A2 A3 B1 B2 B3 C1 C2 C3 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV YOU + Group A + Group B + Group C = 300PV + 1,200PV + 1,200PV + 1,200PV = 3,900PV 3,900 PV (Second Month) + 1,200PV (First Month) = 5,100PV YOUR accumulative Personal Group Sales reaches 5,000PV & above. Therefore, YOU are promoted to Supervisor in the following month. Third Month YOU 500PV A 500PV B 500PV C 500PV D 500PV A1 A2 A3 A4 B1 B2 B3 B4 C1 C2 C3 C4 D1 D2 D3 D4 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV 300PV YOU + Group A + Group B + Group C + Group D = 500PV + 1,700PV + 1,700PV + 1,700PV + 1,700PV = 7,300PV 7,300PV (Third Month) + 5,100PV (First & Second Month) = 12,400PV Accumulated Group Sales reaches 12,400PV and your Personal Group Sales in the current month reaches 2,000PGPV and above. Therefore, YOU will be promoted to Agency Manager in the following month (the Fourth Month).

7 E - 5 4) HOW TO BE PROMOTED FROM AGENCY MANAGER TO CROWN DIAMOND AGENCY MANAGER Gross Group sales of requirements Promoted respective direct am PS PGS 5AM x 45,000PV & 200PV 500PGPV Crown Diamond Agency Manager CDAM Min. 400,000GPV & * (note 3) monthly bonus RM15,000 4AM x 30,000PV & 200PV 500PGPV Double Diamond Agency Manager DDAM Min. 150,000GPV & * (note 3) monthly bonus RM10,000 4AM x 20,000PV 200PV 500PGPV Diamond Agency Manager DAM 4AM x 10,000PV 200PV 2,000PGPV Emerald Agency Manager EAM 3AM x 7,000PV / 200PV 2,000PGPV Pearl Agency Manager PAM 4AM x 5,000PV 3AM x 2,000PV 200PV 2,000PGPV Ruby Agency Manager RAM Note: 1. Promotion will be from rank to rank, one rank at a time. 2. Rank promotion starting from RAM to DAM. One month qualification required. Promoted rank effective in the following month. 3. DDAM & CDAM Rank promotion: a) Qualification to be achieved in any 3 months within a period of 5 consecutive months before being promoted. b) Comply with Asset Incentive Fund requirements and the Rules & Regulation related to DDAM & CDAM. 4. Qualification must be maintained every month.

8 E - 6 A) RUBY AGENCY MANAGER (3AM x 2,000PV) YOU AM A AM B AM C AM 2,000PV 2,000PV 2,000PV YOU are an Agency Manager and YOU have 3 valid direct Agency Managers with Gross Group Sales 2,000PV each and YOU maintain Personal Sales 200PV and Personal Group Sales of 2,000PGPV. If the above is maintained for one month, you will be promoted to Ruby Agency Manager (RAM) in the following month. B) PEARL AGENCY MANAGER (3AM x 7,000PV or 4AM x 5,000PV) There are two ways of being promoted from a Ruby Agency Manager to Pearl Agency Manager. 1) having 3 valid direct Agency Manager each with Gross Group Sales of 7,000PV YOU RAM A AM B AM C AM 7,000PV 7,000PV 7,000PV 2) having 4 valid direct Agency Manager each with Gross Group Sales of 5,000PV YOU RAM A AM B AM C AM D AM 5,000PV 5,000PV 5,000PV 5,000PV YOU are a Ruby Agency Manager and YOU have 3 valid direct Agency Managers with Gross Group Sales 7,000PV each or 4 valid direct Agency Manager with Gross Group Sales of 5,000PV each, and YOU maintain Personal Sales of 200PV and Personal Group Sales of 2,000PGPV. If the above is maintained for one month you will be promoted to Pearl Agency Manager (PAM) in the following month.

9 E - 7 C) EMERALD AGENCY MANAGER (4AM x 10,000PV) YOU PAM A AM B AM C AM D AM 10,000PV 10,000PV 10,000PV 10,000PV If you maintain Personal Sales of 200PV and Personal Group Sales of 2,000PGPV and 4 valid direct Agency Managers with Gross Group Sales of 10,000PV each for one month, YOU will be promoted to Emerald Agency Manager (EAM) in the following month. D) DIAMOND AGENCY MANAGER (4AM x 20,000PV) YOU EAM A AM B AM C AM D AM 20,000PV 20,000PV 20,000PV 20,000PV If you maintain Personal Sales of 200PV and Personal Group Sales of 2,000PGPV and 4 valid direct Agency Managers with Gross Group Sales not less than 20,000PV each for one month, YOU will be promoted to Diamond Agency Manager (DAM) in the following month.

10 E - 8 E) DOUBLE DIAMOND AGENCY MANAGER (ASSET INCENTIVE FUND ACHIEVER) (4AM x 30,000PV & MiniMum Gross Group Sales of 150,000GPV & Monthly Bonus In Excess Of RM10,000) YOU DAM A AM B AM C AM D AM 30,000PV 30,000PV 30,000PV 30,000PV If you maintain Personal Sales of 200PV and Personal Group Sales of 500PGPV and 4 valid direct Agency Managers each with Gross Group Sales not less than 30,000PV each and own Gross Group Sales not less than 150,000GPV and monthly income in excess of RM10,000, within 3 months out of 5 consecutive months YOU will be promoted to Double Diamond Agency Manager (as Asset Fund Achiever) after due recognition by the Company. Company will only recognise a Double Diamond Agency Manager (Asset Fund Achiever) if he is able to maintain the qualification criteria to the satisfaction of the Company prior to due recognition. Due recognition shall be accorded by Pin Recognition or announcement by the Company or by written confirmation. Accordingly notwithstanding that the qualification criteria for Double Diamond Agency Manager has been attained, a Diamond Agency Manager will remain as Diamond Agency Manager until due recognition by the Company as aforesaid. F) CROWN DIAMOND AGENCY MANAGER ( 5AM X 45,000PV & MAINTAIN MINIMUM GROSS GROUP SALES OF 400,000PV & MONTHLY BONUS IN EXCESS OF RM15,000) YOU DDAM A AM B AM C AM D AM E AM 45,000PV 45,000PV 45,000PV 45,000PV 45,000PV Within 3 months out of 5 consecutive months, if you maintain Personal Sales of 200PV and Personal Group Sales of 500 PGPV and 5 valid direct Agency Manager each with Gross Group Sales not less than 45,000PV each, your own Gross Group Sales not less than 400,000PV and also monthly income in excess of RM15,000, YOU will be promoted to Crown Diamond Agency Manager after due recognition by the Company. The Crown Diamond Agency Manager rank is the most prestigious rank and the Company will only recognise a Crown Diamond Agency Manager if he is able to maintain the qualification criteria to the satisfaction of the Company prior to due recognition. Due recognition shall be accorded by Pin Recognition or announcement by the Company or by written confirmation. Accordingly notwithstanding that the qualification criteria for Crown Diamond Agency Manager has been attained, a Double Diamond Agency Manager will remain as Double Diamond Agency Manager until due recognition by the Company as aforesaid.

11 E - 9 5) BONUSES & INCENTIVES CNI allocates bonuses as high as 66.75% and many other incentives for all its distributors. Bonuses A. Retail Profit 15% - 40% B. Performance Bonus up to 40% C. Leadership Bonus 14% D. Top Personal Group Sales Award 2% E. Executive Bonus 3.75% F. Executive Development Bonus* 1% G. Car Incentive Fund 3% + RM8,888 (2nd Car Fund) H. Asset Incentive Fund 2% + RM30,000 (2nd Asset Fund) + RM 50,000 (3rd Asset Fund) I. Crown Diamond Agency Manager Bonus 1% Incentives J. Overseas Trips K. Children Education Incentive L. Promotion Certificate M. Pin Recognition N. CNI NEWS Recognition O. Leadership Travel Seminar P. Executive Round Table Q. Bussiness Education System (BES) R. Others (Campaign, Promotion, Incentive) * Effective 1st Jan 2015, Executive Development Bonus 1 % will be added as part of the Business Development Plan payout.

12 E - 10 A) 15-40% RETAIL PROFIT A CNI distributor will make a retail profit of 15-40% being the difference between the Retail Price (RP) and the Member Price (MP). Example 1 Well3 Product A Retail Price (RP) = RM158.00(WM) Member Price (MP) = RM119.00(WM) Nett Profit = RM39.00 Percentage = ± 33% Example 2 Well3 Product B Retail Price (RP) = RM144.00(WM) Member Price Price (MP) = RM120.00(WM) Nett Profit = RM24.00 Percentage = 20% PV BV MP RP PV BV MP RP (PROMOTION VALUE) (BONUS VALUE) (MEMBER PRICE) (RETAIL PRICE) Used as a gauge for Used to calculate bonus Discounted price for Product s retail price promotion and (subject to change distributors (Each qualification for bonus according to current product purchased product pricing) carries certain PV and BV)

13 E - 11 B) PERFORMANCE BONUS UP TO 40% All Distributors will have the opportunity to enjoy up to 40% Performance Bonus. Performance Bonus Calculation Chart Rank For The Current Month Qualification/Maintain Personal Sales (PSPV) Personal Sales + Roll up BV Points for Bonus Calculation Personal Sales + Roll up BV from Your Qualified Distributors to Supervisor G. 1 G. 2 G. 3 G. 4 G. 5 AM & above 100 PV 10% 6% 6% 6% 6% 6% Supervisor 100 PV 10% 5% 5% 5% 5% Distributor 100 PV 10% 4% 4% 4% G : Generation AM : Agency Manager Note : The calculation of Performance Bonus is based on your current month s rank. In CNI s Business Development Plan, a Bonus Value (BV) system is applied. In other words, your income in this plan depends on the amount of BV you achieve each month.

14 E Advantages From The Performance Bonus: 1. All distributors have the opportunity to obtain up to 40% Performance Bonus. Each point value of Performance Bonus is RM1.00 (only applicable to Performance Bonus). 2. Qualified distributors (who maintain 100PSPV) are still entitled to Performance Bonus even though they are in the same rank as their downline. Example (1) if you re a new distributor and maintain personal sales 100PV, you can enjoy benefits from 3 generations: 4% each, Example (2) both you and your downline are promoted as Supervisor simultaneously, you are still entitled to enjoy the benefit from 4 generations: 5% each. Example 1 Example 2 YOU Distributor X 10% YOU Supervisor x 10% N1 New distributor X 4% A1 Supervisor x 5% N2 New distributor X 4% A2 Supervisor x 5% N3 New distributor X 4% A3 Supervisor x 5% A4 Supervisor x 5% 3. Uplines can obtain BV from their downlines if the downlines do not fulfil the Personal Sales 100PV requirement. Example (3), your downline is an ordinary distributor who only maintains Personal Sales 90PV then he/she would not enjoy Performance Bonus because he/she has not fulfilled Personal Sales 100PV requirement. Therefore, his/her BV (bonus value) will be rolled up to you. However, your downline s 90PV will be accumulated for his/her promotion. Example (4) Your Supervisor downline could not enjoy the Performance Bonus because he/she does not fulfilled personal sales 100PV requirement. In this case, his/her BV will be rolled up to you. However, your downline s PV can still be accumulated for his/her rank promotion. Example 3 Example 4 YOU Supervisor YOU Supervisor BV Roll Up BV Roll Up D Distributor (Personal Sales 90PV) A Supervisor (Personal Sales 40PV )

15 E - 13 Performance Bonus Calculation Example 1 : Supervisor YOU A1 A2 A3 A4 Supervisor 500BV Distributor D 50BV Supervisor 1,900BV Supervisor 3,000BV Supervisor 4,000BV Distributor 5,000BV 550BV X 10% = 55 points (500BV + 50BV) 1,900BV X 5% = 95 points 3,000BV X 5% = 150 points 4,000BV X 5% = 200 points 5,000BV X 5% = 250 points Total Points = 750 points X RM1.00 (Performance Bonus Point Value) YOUR Performance Bonus (Supervisor) = RM Example 2 : Agency Manager YOU AM 500BV 500BV X 10% = 50 points A1 A2 A3 Distributor Supervisor 30,000BV Supervisor 30,000BV X 6% = 1,800 points Total Points YOUR Performance Bonus (Agency Manager) = 1,850 points X RM1.00 (Performance Bonus Point Value) = RM1,850.00

16 E - 14 C) 14% LEADERSHIP BONUS A distributor once promoted to Agency Manager and above will have the opportunity to enjoy the 14% Leadership Bonus. Rank i ii iii Rate for Calculating Leadership Bonus Points Qualification / Maintain Personal Personal Group Sales From Your Qualified AM Personal Personal Direct Am Group Sales Group Sales Gross Group Sales Sales G.1 G.2 G.3 G.4 G.5 G.6 G.7 CDAM 200 PV 500PGPV 5AM x 45,000PV 10% 9% 8% 7% 6% 5% 4% 3% & Min. GGS 400,000PV DDAM 200 PV 500PGPV 4AM x 30,000PV 10% 9% 8% 7% 6% 5% 4% 3% & Min. GGS 150,000PV DAM 200 PV 500PGPV 4AM x 20,000PV 10% 9% 8% 7% 6% 5% 4% 3% EAM 200 PV 2,000PGPV 4AM x 10,000PV 10% 8% 7% 6% 5% 4% 3% PAM* 200 PV 2,000PGPV 3AM x 7,000PV/ 10% 7% 6% 5% 4% 3% 4AM x 5,000PV RAM* 200 PV 2,000PGPV 3AM x 2,000PV 10% 6% 5% 4% 3% AM 200 PV 2,000PGPV N/A 10% 5% 4% 3% AM : Agency Manager RAM : Ruby Agency Manager PAM : Pearl Agency Manager EAM : Emerald Agency Manager DAM : Diamond Agency Manager DDAM : Double Diamond Agency Manager CDAM : Crown Diamond Agency Manager Note: 1. Qualification needs to be maintained every month to be eligible for 14% Leadership Bonus. 2. Where the distributor of the rank set out in Column 1 achieves the qualification set out against the rank in Column II, the distributor shall be eligible for the rate of bonus set out in Column III against that rank. 3. Where the distributor of the rank set out in Column I fails to achieve the qualification set out against the rank in Column II, the distributor shall not be eligible for the bonus set out against his rank but shall only be eligible for the rate of bonus set out in Column III matching the qualification / performance achieved by the distributor under Column II. * Personal Group Sales 5,000PGPV can be accepted as 1 qualified direct AM for RAM and PAM's bonus calculation only.

17 E advantages of the 14% Leadership Bonus: 1. Up to 14% Leadership Bonus is allocated from the Company s Monthly Total Valid Sales (BV). Çompany will calculate the Leadership Bonus Point value each month before distributing the bonus to all agency managers and above according to their total points. The point value normally differs from month to month. 2. After you are promoted to an Agency Manager with the fulfilled requirement, you will be able to enjoy the Leadership Bonus. 10% of the Personal Group Sales points will be calculated in the Leadership Bonus. 3. The higher your rank, the more generation benefits you are entitled to enjoy. For example, as an Agency Manager, you may enjoy benefits from 3 generations, i.e. 5%,4% and 3%. If you are a Diamond AM, you will reap benefits from 7 generations, i.e. 9%, 8%, 7%, 6%, 5%, 4%, and 3%. 14% Leadership Bonus Illustration: Company s Total Valid Sales (BV) for the month = 10,000,000BV 14% of Company s Valid Sales (BV) for the month = RM1,400,000 Total Leadership Bonus Points of all qualified AM rank and above = 4,000,000 points for the month Leadership Bonus Point Value for the month = RM0.35 per point (RM1,400,000 / 4,000,000 points) Calculation Example: Pearl Agency Manager YOU PAM 5,000PGBV X 10% = 500 points A1 AM 45,000PGBV X 7% = 3,150 points A2 AM 48,000PGBV X 6% = 2,880 points A3 AM 130,200PGBV X 5% = 6,510 points A4 AM 30,000PGBV X 4% = 1,200 points A5 AM 42,000PGBV X 3% = 1,260 points Total Points = 15,500 points X RM0.35 (Leadership Bonus Point Value) YOUR Leadership Bonus (Pearl AM) = RM5,425

18 E - 16 D) 2% TOP PERSONAL GROUP SALES AWARD When you are an Agency Manager and above, by achieving Personal Sales 200PV and every Personal Group Sales of 5,000PGPV with 1,500PV non-coffee products, you will be entitled to 1 unit of Top Personal Group Sales Award. Next 1,500PV non-coffee products entitles you to an additional 1 unit (Limited to maximum 2 units for every PGS 5,000PV). Example: No. PGPV non-coffee (PGPV) Top Performance Bonus Unit 1 5,000 Less than 1,500 Nil 2 5,000 1,500-2,999 1 unit 3 5,000 3,000 and above 2 units (maximum) 4 10,000 Less than 1,500 Nil 5 10,000 1,500-2,999 1 unit 6 10,000 3,000-4,499 2 units 7. 10,000 4,500-5,999 3 units 8. 10,000 6,000 and above 4 units (maximum) 9. and so on every 5000PGPV : 2 units Maximum Note: The value of each unit Top Personal Group Sales Award will be determined by dividing 2% of the Company s total valid sales (BV) with the total number of units for the month. The maximum value per unit shall be determined at the discretion of the Company from time to time. Calculation Example: Company s Total Valid Sales (BV) for the month = 10,000,000BV 2% of Company s Valid Sales (BV) for the month = RM200,000 Total Units of all qualified AM rank and above for the month = 800 units Value per Unit for the month (RM200,000 / 800 units) = RM250 Based on the above illustration, if YOU are an Agency Manager with Personal Sales of 200PV and Personal Group Sales of 10,000PGPV with 6,000PV non-coffee product (equivalent to 4 units), YOUR Top Personal Group Sales Award is 4 x RM250 = RM1,000

19 E - 17 E) 3.75% EXECUTIVE BONUS CNI offers the 3.75% Executive Bonus exclusively to Ruby, Pearl, Emerald, Diamond,Double Diamond Agency Managers and Crown Diamond Agency Managers every month as follows. i ii iii Rank Qualification / Maintain Pesonal Personal Direct AM's Sales Group Sales Gross Group Sales Maximum Executive Bonus CDAM 200PV 500PGPV 5AM x 45,000PV & RM15, ,000GPV DDAM 200PV 500PGPV 4AM x 30,000PV & RM10, ,000GPV DAM 200PV 500PGPV 4AM x 20,000PV RM5,000 EAM 200PV 2,000PGPV 4AM x 10,000PV RM4,000 PAM 200PV 2,000PGPV 3AM x 7,000PV / RM3,000 4AM x 5,000PV RAM 200PV 2,000PGPV 3AM x 2,000PV RM2,000 Illustration: Company s Total Valid Sales (BV) for the month = 10,000,000BV 3.75% of Company s Valid Sales (BV) for the month = RM375,000 Total Leadership Bonus Points of all qualified RAM and above for the month = 3,750,000 points Value per Executive Point for the month (RM375,000 / 3,750,000 points) = RM0.10 per point Based on the above illustration, if YOU are a Double Diamond Agency Manager and have 80,000 Leadership Bonus Points, it means you will also have 80,000 Executive Bonus Points and your 3.75% Executive Bonus will be 80,000 x 0.10 = RM8, Note: Qualification needs to be maintained every month to be eligible for 3.75% Executive Bonus.

20 E - 18 F) 1% EXECUTIVE DEVELOPMENT BONUS 1% of Company s Total Valid Sales (BV) will be allocated as Executive Development Bonus for Executive Rank level distributors and above (based on Effective rank) Rank Personal Sales Personal Group Direct AM Gross Executive Development (PV) sales (PGPV) Group Sales (PV) Points per month CDAM 300PV 500PGPV 5AM x 45,000PV 20 DDAM 300PV 500PGPV 4AM x 40,000PV 16 DAM 300PV 500PGPV 4AM x 25,000PV 12 EAM 300PV 2,000PGPV 4AM x 10,000PV 8 PAM 300PV 2,000PGPV 3AM x 10,000PV 4 RAM 300PV 2,000PGPV 3AM x 5,000PV 2 Illustration: Company s Total Valid Sales (BV) for the month = 10,000,000BV 1% of Company s Valid Sales (BV) for the month = RM100,000 Total points (6 months) earned by all qualified executive level members = 1250 points Value per point = RM80 Based on the above illustration, if you are a Double Diamond Agency Manager and have accumulated 96 Executive development Points in 6 months time, your Executive Development Bonus for the 6 months will be 96 points x RM80 = RM7680 Note: 1. Qualifications needs to be maintained every month to be eligible for the Executive Development Bonus. 2. Points will be earned based on actual effective rank maintained. 3. The 1% Executive Development Incentive will be calculated every 6 months. Jan to June bonus will be calculated and paid in June bonus. Whereas July to December bonus will be calculated and paid in December bonus.

21 E - 19 G) 3% Car Incentive Fund + RM8,888 3% Car Incentive Fund is a special privilege for Pearl Agency Managers and above. Type Qualifying Criteria Maintenance 1st Car Fund 2nd Car Fund + cash incentive RM8,888 1) 200PV Personal Sales, 2) 2,000PGPV Personal Group Sales, 3) 3 direct Agency Manager each of whom must achieve 7,000PV Gross Group Sales; or 4 direct Agency Manager each of whom must achieve 5,000PV Gross Group Sales, 4) Applicant s own Gross Group Sales 50,000GPV & above 1) 200PV Personal Sales, 2) 500PGPV Personal Group Sales, 3) 4 direct Agency Manager each of whom must achieve 25,000PV Gross Group Sales; 4) Applicant s own Gross Group Sales 120,000GPV & above Note: If you achieve 2nd Car Fund, you re eligible to receive cash incentive RM8,888(limited to once per person) Must maintain the 1st Car Fund Qualifying Criteria monthly, entitle to maximum RM3,000 per month Must maintain the 2nd Car Fund conditions monthly, entitle to maximum RM5,000 per month 3rd Car Fund 1) 200PV Personal Sales, 2) 500PGPV Personal Group Sales, 3) 4 direct Agency Manager each of whom must achieve 50,000PV Gross Group Sales OR 5 direct Agency Manager each of whom must achieve 45,000PV Gross Group Sales 4) Applicant s own Gross Group Sales 300,000GPV & above Must maintain the 3rd Car Fund conditions monthly, entitle to maximum RM5,000 per month Notes: To qualify for the Car Incentive Fund a distributor must achieve the Car Fund Qualifying Criteria in 3 months out of 5 consecutive months and have complied with the Car Incentive Fund Rules.

22 E - 20 Common Qualifying Criteria applicable for First, Second and Third Car Incentive Fund 1. All applicants and Car Fund achievers shall be governed by and shall have to comply with the Car Incentive Fund Rules to enjoy the Car Incentive Fund. 2. An applicant for the Car Incentive Fund must read the terms of the Car Incentive Fund Rules carefully before embarking on his/her quest to qualify for the same. 3. A Car Fund Achiever is required to continuously maintain the qualifying criteria and comply with the Car Incentive Fund Rules to be eligible to continuously enjoy the Car Incentive Fund. Hence he/she must be vigilant of any variation or amendments to the qualifying criteria or Car Incentive Fund Rules. 4. All sales, whether personal sales or group sales must satisfy and fulfill all conditions stipulated by the Company from time to time. The Company shall be entitled at its absolute discretion to amend, vary or substitute the stipulated conditions at any time and from time to time as the Company deems fit. 5. Any amendments, variation, addition or subsitution to the qualifying criteria and / or the conditions stipulated by the Company shall be binding on all Car Fund Achievers and all Car Fund achievers are required to comply and maintain such amended, varied or substituted criteria to continue enjoying the Car Incentive Fund. 6. The Company may announce the qualifying criteria and / or the stipulated conditions and any amendments, variations or substitution thereto in the CNI NEWS or CNI Express. However it shall be the duty and obligation of the Applicant and all Car Fund Achievers to check and confirm the latest applicable conditions or qualifying criteria with the Company.

23 E % Car Incentive Fund Calculation Example: Company s Monthly Total Valid Sales (BV) for the month : 10,000,000BV 3% Car Incentive Fund (10,000,000BV X 3%) for the month : RM300,000 Total Leadership Bonus Points of all qualified Car Fund Achievers for the month : 1,200,000 points Value Per Point for the month (RM300,000 / 1,200,000 points) : RM0.25 If YOU are a Pearl Agency Manager and YOU achieve 12,000 points, therefore YOUR Car Incentive Fund is 12,000 X RM0.25 =RM3,000. The maximum sum of the 1st Car Incentive Fund is RM3,000 per month, 2nd & 3rd Car Incentive Fund is RM5,000 per month. The sum set aside for the Car Incentive Fund shall be distributed to all qualified distributors. Therefore the amount received depends on the Company s valid sales, the number of qualified distributors and the leadership bonus points obtained. Luxury Car Maintenance Fund Double Diamond Agency Managers and Crown Diamond Agency Manager may enjoy the Luxury Car Maintenance Fund of RM5,000 maximum per month if he/she fulfils all of the following requirements: i) he/she must have qualified for the 1st, 2nd and 3rd Car Incentive Fund; ii) iii) iv) the Total Entitlement for the First, Second and Third Car Incentive Fund must have been fully disbursed; he/she must maintain Personal Sales of 200PV and Personal Group Sales of 500PGPV; he/she must have 4 valid direct Agency Managers with Gross Group Sales of 50,000PV and own Gross Group Sales 300,000GPV OR 5 valid direct Agency Managers with Gross Group Sales of 45,000PV and own Gross Group Sales 400,000GPV v) all sales must be in accordance with the conditions stipulated by the Company from time to time; vi) sales have not been achieved through dishonest means or through Buy-Up or Stock-Up or through manipulation of sales or manipulation of its downline or through breach of the distributor s Rules and Regulations or the DC Rules and Regulations or the SP Rules and Regulations.

24 E - 22 Car Incentive Fund Rules 1) A distributor must first submit an application to the Customer Services & Sales Support Department (CSS) indicating his intention to qualify as a Car Fund Achiever at least 3 months before his/her proposed commencement period to achieve the qualifying criteria necessary to be a Car Fund Achiever. No application for the 2nd Car Incentive Fund shall be entertained unless the 1st Car Incentive Fund has been fully or substantially disbursed and no application for the 3rd Car Incentive Fund shall be entertained unless the 2nd Car Incentive Fund has been fully or substantially disbursed. The Company may in its absolute discretion and on a case by case basis allow an application for the 2nd or 3rd Car Incentive Fund to be made if the prior Car Incentive Fund has been substantially disbursed subject to the distributor complying with all terms and conditions as the Company may impose. 2) Prior written approval from the Company must be obtained before a distributor starts his/her plan to achieve the qualification required. The Company has the sole and absolute discretion not to approve the distributor s application if it is of the opinion that the distributor is not ready or is not a suitable candidate to apply for the Car Incentive Fund. 3) A distributor who achieves all qualifying criteria but who has not obtained the written approval of the Company shall not be entitled to the Car Incentive Fund and will not be recognised as a Car Fund Achiever. 4) 3% from the Company s monthly total valid sales (BV) will be used to compute the value of the points for each month s car incentive fund. 5) The amount which may be paid to a Car Fund Achiever in any one month shall be determined by the number of points obtained by him/her under the Leadership Bonus points subject to a maximum sum of RM3, per month for the First Car Incentive Fund and maximum RM5, per month for the Second and Third Car Incentive Fund provided always that the Car Fund Achiever maintains the qualification criteria and subject always to the rules herein. For the purposes of the Car Incentive Fund each point shall carry a value determined by the Company in accordance with the formulae prescribed by the Company from time to time. Accordingly the amount which may be paid to a Car Fund Achiever may vary from month to month depending on the number of points obtained by him/her under the Leadership Bonus points. 6) The maximum period for payment of the First Car Incentive Fund is 60 months and for the Second Car Incentive Fund the maximum period is 80 months and for the Third Car Incentive Fund the maximum period is 100 months. 7) If the Total Entitlement for the First Car Incentive Fund computed in the manner set out in Rule 9 below has not been fully disbursed to the Car Fund Achiever within the 60 months period aforesaid in Rule 6 above the period of payment set out in Rule 6 above may be extended by the Company for a further period calculated using the formula as follows ( the Extended Period ) :- A = B - C D Where : A = Extended Period (in months) B = Total Entitlement C = RM180, D = RM3,000.00

25 E ) The Car Incentive Fund shall cease to be payable to the Car Fund Achiever upon expiry of the period aforesaid in Rule 6 above or the Extended Period aforesaid in Rule 7 above as the case may be or upon the Total Entitlement having been fully disbursed or upon the termination of the distributor s appointment whichever is the earlier. 9) The Total Entitlement shall be computed based on 30 times the average of 3 months bonus ( the Average Bonus ) earned within the stipulated 5 consecutive months qualifying period plus an additional 20% of the computed amount subject to a maximum RM300, for the First Car Incentive Fund and RM400, for the Second Car Incentive Fund and RM500, for the Third Car Incentive Fund. 10) The Total Entitlement represents the maximum aggregate amount which a Car Fund Achiever may enjoy within the stipulated period subject to the rules herein and the qualifying criteria and on no account whatsoever shall it be construed that the Car Fund Achiever is absolutely entitled to payment of the Total Entitlement or the unutilised portion thereof. 10A) The cash incentive of RM8,888/- payable under the 2nd Car Incentive Fund shall be paid at the expiry of three (3) months after the distributor has qualified for the 2nd Car Incentive Fund subject always that Company shall be entitled to withhold payment of the said cash incentive and other benefits or payment notwithstanding the expiry of the three (3) months period aforesaid if the Company in its absolute discretion require further time to determine whether the distributor has qualified for the 2nd Car Incentive Fund through Buy UP or Stock Up or manipulation of sales or manipulation of his downline or through breach of the Distributor Rules & Regulations or the DC Rules & Regulations or the SP Rules & Regulations or through dishonest means. 11) The Company shall be entitled at any time to cancel or withdraw or suspend and/or recover the cash incentive and/or the Car Incentive Fund and/or recompute the Total Entitlement in the event the Company is of the opinion that the qualification for the Car Fund Incentive has been achieved or maintained by the distributor or Car Fund Achiever through dishonest means or through Buy-Up or Stock-Up or through manipulation of sales or manipulation of its downline or through breach of the Distributor s Rules and Regulations or the DC Rules and Regulations or the SP Rules and Regulations. For the avoidance of doubt notwithstanding that the qualification criteria may have been attained/achieved by the distributor or Car Fund Achiever the Company shall be entitled to withhold or not award/grant the cash incentive and/or the Car Incentive Fund to the distributor or Car Fund Achiever if any of the events set out in Rule 12 below shall occur. 12) It shall be deemed that a distributor or Car Fund Achiever has qualified for the Car Incentive Fund through Buy-Up or Stock-Up or manipulation of sales or manipulation of its downline or through breach of the Distributor s Rules and Regulations or the DC Rules and Regulations or the SP Rules and Regulations to qualify or maintain the qualification for the Car Incentive Fund if at any time after having qualified for the Car Incentive Fund: (a) the bonus drops by more than 30% (or such percentage as the Company may stipulate from time to time) of the Average Bonus; or (b) the Personal Sales or Personal Group Sales drop by more than 30% (or such percentage as the Company may stipulate from time to time) of the average Personal Sales or Personal Group Sales for the 3-qualifying months 13) The Company shall not be required or obliged to take action against the distributor or Car Fund Achiever immediately if the bonus or Personal Sales or Personal Group Sales drops by more than 30% or such other percentage as the Company may stipulate from time to time as aforesaid and any failure or delay by the Company in taking action against the distributor or Car Fund Achiever shall not be construed or deemed to be acquiescence or waiver on part of the Company to suspend, withdraw or recover the Car Incentive Fund from the distributor or Car Fund Achiever or to recompute the Total Entitlement.

26 E ) Without prejudice to the Company s powers under Rule 11 above and without prejudice to Rule 12 above in the event the bonus or the Personal Sales or Personal Group Sales drop by more than 30% or such percentage as the Company may from time to time stipulate as aforesaid :- (a) the Total Entitlement shall be recalculated in the manner prescribed in Rule 9 above using the average of the lowest bonus earned for any 3 months (not necessarily consecutive) after the distributor qualifies for the Car Incentive Fund in substitution of the Average Bonus; and (b) any overpayment to the distributor which may arise after such adjustment shall be a debt due from the distributor to the Company and may be set off by the Company against any bonus or incentives or benefits due to the distributor. 15) The sales of coffee products : (a) must not exceed 70% of the Gross Group Sales of the distributor or such other percentage as the Company may from time to time stipulate; and (b) must not exceed 70% of the Gross Group Sales of two or more direct qualifying Agency Managers.The Company shall also be entitled from time to time to include or exclude the sales or any proportion of sales of any product from the computation of the sales required to qualify for the Car Incentive Fund. 16) The Company shall have the absolute right and discretion to grant any distributor the Car Incentive Fund notwithstanding that the qualifying criteria has not been fulfilled and the Company shall also have the absolute right and discretion not to grant any distributor the Car Incentive Fund notwithstanding that the qualifying criteria have been fulfilled. 17) Where having qualified for the Car Incentive Fund a distributor fails to comply with the Post Qualification Procedures within such time as the Company may permit or may stipulate from time to time it shall be deemed that the distributor has relinquish his/her entitlement to the Car Incentive Fund and the distributor s qualification for the Car Incentive Fund shall automatically lapse and the distributor shall be required to resubmit his application afresh if he/she intends to requalify for the Car Incentive Fund. 18) Car Incentive Fund Rules (Revised) is prepared in Bahasa Malaysia, English and Mandarin and if there is a dispute between these version the English version shall prevail. (Rev03/04/2012)

27 E - 25 H) 2% Asset Incentive Fund + RM30,000 + RM50,000 The 2% Asset Incentive Fund is a special privilege for Diamond Agency Managers to achieve. 2% Asset Incentive Fund Type 1st Asset Fund Qualifying Criteria 1) 200PV Personal Sales, 2) 500PGPV Personal Group Sales, 3) 4 direct Agency Manager each of whom must achieve 30,000PV Gross Group Sales, 4) Applicant s own Gross Group Sales 150,000GPV & above 5) Monthly bonus RM10,000 & above Maintenance Must maintain the 1st Asset Fund Qualifying Criteria monthly, entitle to maximum RM5,000 per month 2nd Asset Fund + cash incentive RM30,000 1) 200PV Personal Sales, 2) 500PGPV Personal Group Sales, 3) 4 direct Agency Manager each of whom must achieve 45,000PV Gross Group Sales; 4) Applicant s own Gross Group Sales 300,000GPV & above Note: If you achieve 2nd Asset Fund, you re eligible to receive cash incentive RM30,000 (limited to once per person) Must maintain the 2nd Asset Fund conditions monthly, entitle to maximum RM10,000 per month 3rd Asset Fund + cash incentive RM50,000 1) 200PV Personal Sales, 2) 500PGPV Personal Group Sales, 3) 4 direct Agency Manager each of whom must achieve 60,000PV Gross Group Sales OR 5 direct Agency Manager each of whom must achieve 45,000PV Gross Group Sales 4) Applicant s own Gross Group Sales 500,000GPV & above Note: If you achieve 3rd Asset Fund, you re eligible to receive cash incentive RM50,000 (limited to once per person) Must maintain the 3rd Asset Fund conditions monthly, entitle to maximum RM10,000 per month Notes: 1) To qualify for the Asset Incentive Fund a distributor must achieve Asset Fund Qualifying Criteria in 3 months out of 5 consecutive months and have complied with the Asset Incentive Fund Rules. 2) To qualify for the cash incentive of RM30,000 and RM50,000 under the 2nd & 3rd Asset Incentive Fund respectively, a distributor must maintain the respective Asset Fund Qualifying Criteria for 9 out of 12 months for the first 12 months from the date of qualification and a further 9 out of 12 months for the second 12 months from the date of qualification.

28 E - 26 Common Qualifying Criteria applicable for First, Second and Third Asset Incentive Fund 1. All applicants and Asset Fund achievers shall be governed by and shall have to comply with the Asset Incentive Fund Rules to enjoy the Asset Incentive Fund. 2. An applicant for the Asset Incentive Fund must read the terms of the Asset Incentive Fund Rules carefully before embarking on his/her quest to qualify for the same. 3. Asset Fund Achiever is required to continuously maintain the qualifying criteria and comply with the Asset Incentive Fund Rules to be eligible to continuously enjoy the Asset Incentive Fund. Hence he/she must be vigilant of any variation or amendments to the qualifying criteria or Asset Incentive Fund Rules. 4. All sales, whether personal sales or group sales must satisfy and fulfill all conditions stipulated by the Company from time to time. The Company shall be entitled at its absolute discretion to amend, vary or substitute the stipulated conditions at any time and from time to time as the Company deems fit. 5. Any amendments, variation, addition or subsitution to the qualifying criteria and / or the conditions stipulated by the Company shall be binding on all Asset Fund Achievers and all Asset Fund achievers are required to comply and maintain such amended, varied or substituted criteria to continue enjoying the Asset Incentive Fund. 6. The Company may announce the qualifying criteria and / or the stipulated conditions and any amendments, variations or substitution thereto in the CNI NEWS or CNI Express. However it shall be the duty and obligation of the Applicant and all Car Fund Achievers to check and confirm the latest applicable conditions or qualifying criteria with the Company.

29 E % Asset Incentive Fund Calculation Example Company s Monthly Total Valid Sales (BV) for the month : 10,000,000BV 2% Asset Incentive Fund (10,000,000BV X 2%) for the month : RM200,000 Total Leadership Bonus Points of all qualified Asset Fund Achievers for the month : 500,000 points Value Per Point for the month (RM200,000 / 500,000 points) : RM0.40 1) If YOU are a Double Diamond Agency Manager and YOU achieve 12,500 points, therefore YOUR Asset Incentive Fund is 12,500 X RM0.40 =RM5,000. 2) The maximum sum of the 1st Asset Incentive Fund is RM5,000, 2nd and 3rd is RM10,000 per month. The sum set aside for the Asset Incentive Fund shall be distributed to all qualified distributors. Therefore the amount received depends on the Company s sales, the number of qualified distributors and the leadership bonus points obtained. Luxury Asset Maintenance Fund Double Diamond Agency Managers and Crown Diamond Agency Managers may enjoy the Luxury Asset Maintenance Fund of RM5,000 maximum per month if he/she fulfils all of the following requirements: i) he/she must have qualified for the First, Second and Third Asset Incentive Fund; ii) iii) iv) the Total Entitlement for the First, Second and Third Asset Incentive Fund must have been fully disbursed; he/she must maintain Personal Sales of 200PV and Personal Group Sales of 500PGPV; he/she must have 4 valid direct Agency Managers with Gross Group Sales of 60,000PV and own Gross Group Sales 500,000GPV OR 5 valid direct Agency Managers with Gross Group Sales of 45,000PV and own Gross Group Sales 400,000GPV. v) all sales must be in accordance with the conditions stipulated by the Company from time to time; vi) sales have not been achieved through dishonest means or through Buy-Up or Stock-Up or through manipulation of sales or manipulation of its downline or through breach of the distributor s Rules and Regulations or the DC Rules and Regulations or the SP Rules and Regulations.

30 E - 28 Asset INCENTIVE FUND RULES 1) A distributor must first submit an application to the Customer Services & Sales Support Department (CSS) indicating his intention to qualify as a Asset Fund Achiever at least 3 months before his/her proposed commencement period to achieve the qualification necessary to be a Asset Fund Achiever to enjoy the Asset Incentive Fund. No application for the 2nd Asset Incentive Fund shall be entertained unless the 1st, Asset Incentive Fund has been fully or substantially disbursed. No application for the 3rd Asset Incentive Fund shall be entertained unless the 2nd Asset Incentive Fund has been fully or substantially disbursed or the distributor has applied for and the Company has approved the distributor s application to cancel the 2nd Asset Incentive Fund. 2) Prior written approval from the Company must be obtained before a distributor starts his/her plan to achieve the qualification required. The Company has the sole and absolute discretion not to approve the distributor s application if it is of the opinion that the distributor is not ready or is not a suitable candidate to apply for the Asset Incentive Fund. 3) A distributor who achieves all qualifying criteria but who has not obtained the written approval of the Company shall not be entitled to the Asset Incentive Fund and will not be recognised as a Asset Fund Achiever. 4) 2% from the Company s monthly total valid sales (BV) will be used to compute the value of the points of the Asset Incentive Fund every month. 5) The amount which may be paid to a Asset Fund Achiever in any one month shall be determined by the number of point obtained by him/her under the Leadership Bonus points subject to a maximum sum of RM5,000 for first Asset fund, or RM10,000 for second and third Asset Fund per month provided always that the Asset Fund Achiever maintains the qualification criteria and subject always to the rules herein. For the purposes of the Asset Incentive Fund each point shall carry a value determined by the Company in accordance with the formulae prescribed by the Company from time to time. Accordingly the amount which may be paid to a Asset Fund Achiever may vary from month to month depending on the number of points obtained by him/her under the Leadership Bonus points. 6) The maximum period for payment of the First Asset Incentive Fund is 15 years and for the Second Asset Incentive Fund the maximum period is 20 years and for the Third Asset Incentive Fund the maximum period is 25 years. 7) The Asset Incentive Fund shall cease to be payable to the Asset Fund Achiever upon expiry of the period aforesaid in Rule 6 above or upon the Total Entitlement having been fully disbursed or upon the termination of the distributor s appointment whichever is the earlier. 8) The Total Entitlement shall be computed based on 30 times the average of 3 months bonus ( the Average Bonus ) earned within the stipulated 5 consecutive months qualifying period plus an additional 20% of the computed amount subject to a maximum RM900, for the First Asset Incentive Fund and RM1,200, for the Second Asset Incentive Fund and RM1,500, for the Third Asset Incentive Fund. 9) The Total Entitlement represents the maximum aggregate amount which a Asset Fund Achiever may enjoy within the stipulated period subject to the rules herein and the qualifying criteria and on no account whatsoever shall it be construed that the Asset Fund Achiever is absolutely entitled to payment of the Total Entitlement or the unutilised portion thereof. 9A) Subject to the distrubutor having achieved the necessary qualifying criteria the cash incentive of RM30,000/- and RM50,000/- payable under the 2nd Asset Incentive Fund and 3rd Asset Incentive Fund respectively shall be paid at the expiry of Twenty four (24) months after the distributor has qualified for the 2nd Asset Incentive Fund or the 3rd Asset Incentive Fund, as the case may be subject always that Company shall be entitled to withhold payment of the said cash incentive and other benefits or payments if the Company in its absolute discretion require further time to determine whether the distributor has qualified for the Asset Incentive Fund through Buy UP or Stock Up or manipulation of sales or manipulation of his downline or through breach of the Distributor Rules & Regulations or the DC Rules & Regulations or the SP Rules & Regulations or through dishonest means.

31 E ) The Company shall be entitled at any time to suspend to cancel or withdraw and/or recover the cash incentive and/or the Asset Incentive Fund and/or re-compute the Total Entitlement in the event the Company is of the opinion that the qualification for the Asset Fund Incentive has been achieved or maintained by the distributor or Asset Fund Achiever through dishonest means or through Buy-Up or Stock-Up or through manipulation of sales or manipulation of its downline or through breach of the Distributor s Rules and Regulations or the DC Rules and Regulations or the SP Rules and Regulations. For the avoidance of doubt notwithstanding that the qualification criteria may have been attained/ achieved by the distributor or Asset Fund Achiever the Company shall be entitled to withhold or not award/grant the cash incentive and/or the Asset Incentive Fund to the distributor or Asset Fund Achiever if any of the events set out in Rule 11 below shall occur. 11) It shall be deemed that a distributor or Asset Fund Achiever has qualified for the Asset Incentive Fund through Buy-Up or Stock-Up or manipulation of sales or manipulation of its downline or through breach of the Distributor s Rules and Regulations or the DC Rules and Regulations or the SP Rules and Regulations to qualify or maintain the qualification for the Asset Incentive Fund if at any time after having qualified for the Asset Incentive Fund: (a) the bonus drops by more than 30% (or such percentage as the Company may stipulate from time to time) of the Average Bonus; or (b) the Personal Sales or Personal Group Sales drop by more than 30% (or such percentage as the Company may stipulate from time to time) of the average Personal Sales or Personal Group Sales for the 3-qualifying months. 12) The Company shall not be required or obliged to take action against the distributor or Asset Fund Achiever immediately if the bonus or Personal Sales or Personal Group Sales drops by more than 30% or such other percentage as the Company may stipulate from time to time as aforesaid and any failure or delay by the Company in taking action against the distributor or Asset Fund Achiever shall not be construed or deemed to be acquiescence or waiver on part of the Company to suspend, withdraw or recover the Asset Incentive Fund from the distributor or Asset Fund Achiever or to re-compute the Total Entitlement. 13) Without prejudice to the Company s powers under Rule 10 above and without prejudice to Rule 11 above in the event the bonus or the Personal Sales or Personal Group Sales drop by more than 30% or such percentage as the Company may from time to time stipulate as aforesaid :- (a) the Total Entitlement shall be recalculated in the manner prescribed in Rule 8 above using the average of the lowest bonus earned for any 3 months (not necessarily consecutive) after the distributor qualifies for the Asset Incentive Fund in substitution of the Average Bonus; and (b) any overpayment to the distributor which may arise after such adjustment shall be a debt due from the distributor to the Company and may be set off by the Company against any bonus or incentives or benefits due to the distributor.

32 E ) The sales of coffee products must not : (a) exceed 70% of the Gross Group Sales of the distributor or such other percentage as the Company may from time to time stipulate; and (b) must not account for 70% or more of the Gross Group Sales of two or more direct qualifying Agency Managers. The Company shall also be entitled from time to time to include or exclude the sales or any proportion of sales of any product from the computation of the sales required to qualify for the Asset Incentive Fund. 15) The Company shall have the absolute right and discretion to grant any distributor the Asset Incentive Fund notwithstanding that the qualifying criteria has not been fulfilled and the Company shall also have the absolute right and discretion not to grant any distributor the Asset Incentive Fund notwithstanding that the qualifying criteria have been fulfilled. 16) Where having qualified for the Asset Incentive Fund a distributor fails to comply with the Post Qualification Procedures within such time as the Company may permit or may stipulate from time to time it shall be deemed that the distributor has relinquish his/her entitlement for the Asset Incentive Fund and the distributor s qualification for the Asset Incentive Fund shall automatically lapse and the distributor shall be required to resubmit his application afresh if he intends to requalify for the Asset Incentive Fund. 17) Asset Incentive Fund Rules is prepared in Bahasa Malaysia, English and Mandarin and if there is a dispute between these version, the English version shall prevail. (Rev03/04/2012)

33 E - 31 I) 1% CROWN DIAMOND AGENCY MANAGER BONUS A Double Diamond Agency Manager (DDAM) can strive to move forward to Crown Diamond Agency Manager by achieving the following criteria: Rank Personal Sales Personal Group Direct AM's Gross Maintenance Sales Group Sales Crown Diamond 200PV 500PGPV 5AM X 45,000 PV & Monthly Agency Manager GPV 400,000 Notes: 1. To qualify for the Crown Diamond Agency Manager bonus, a distributor must achieve the Crown Diamond Agency Manager bonus criteria in 3 months out of 5 consecutive months and have complied with the relevant terms and conditions. 2. Percentage of sales of coffee must not exceed 30% of the Gross group Sales. 3. The amount which may be paid to a Crown Diamond Agency Manager as his Crown Diamond Agency Manager Bonus in any one month shall be determined by the number of points obtained by him/her under the Leadership Bonus points subject to a maximum sum of RM10,000 per month. Terms and Conditions: 1. Prior written approval from the Company must be obtained before a distributor starts his/her plan to achieve the qualification required. The Company has the sole and absolute discretion not to approve the distributor s application if it is of the opinion that the distributor is not ready or is not a suitable candidate to qualify for the Crown Diamond Agency Manager rank. 2. A distributor who achieve all qualifying criteria but who has not obtained the written approval of the Company will not be recognised as a Crown Diamond Agency Manager. 3. The Company shall be entitled at its absolute discretion to amend, vary, add or substitute any of the qualifying criteria at any time and from time to time and such amendments, variations, additions or substitute would be announced via CNI News or CNI Express. 4. Any amendments, variations, additions or substitution to the qualifying criteria and / or the conditions stipulated by the Company shall be binding on all Crown Diamond Agency Manager and all Crown Diamond Agency Managers are required to comply and maintain such amended, varied or substituted criteria to continue enjoying the Crown Diamond Agency Manager Bonus. 5. The Company may announce the qualifying criteria and / or the stipulated conditions and any amendments, variations, additions or substitution thereto in the CNI News or CNI Express. However it shall be duty and obligation of the Applicant and all Crown Diamond Agency Managers to check and confirm the latest applicable conditions and qualifying criteria with the Company.

34 E - 32 J) OVERSEAS TRIP After being promoted to an Executive rank Leader, you will stand a chance to go on an overseas trip. Ruby Agency Managers (RAM) will have the opportunity to visit Indonesia; Pearl Agency Mangers (PAM) to Mecca (for Muslim) / Hong Kong (non-muslim); Emerald Agency Managers (EAM) to China whereas Diamonds (DAM) and Double Diamond Agency Managers (DDAM), and Crown Diamond Agency Manager (CDAM) have the opportunity to go on a world tour. Overseas Trip Rank Qualification Incentive Trip 1) 200PV Personal Sales RAM 2) 2,000PGPV Personal Group Sales Indonesia 3) 3 valid direct Agency Managers each with Gross Group Sales of 2,000PV 1) 200PV Personal Sales PAM 2) 2,000PGPV Personal Group Sales Umrah Package (Muslim) 3) 3 valid direct Agency Managers each with Gross Group Sales of 7,000PV or 4 valid direct Agency Managers each with Gross Group Sales of 5,000PV Hong Kong or India (Non-Muslim) 1) 200PV Personal Sales EAM 2) 2,000PGPV Personal Group Sales China 3) 4 Direct Agency Managers each with Gross Group Sales of 10,000PV 1) 200PV Personal Sales DAM 2) 500PGPV Personal Group Sales 1st Executive Round Table 3) 4 valid direct Agency Managers each with Overseas Trip Gross Group Sales of 20,000PV

35 E - 33 Rank Qualification Incentive Trip 1) 200PV Personal Sales DDAM & 2) 500PGPV Personal Group Sales 2nd Executive Round CDAM 3) 4 Direct Agency Managers each with Table Overseas Trip Gross Group Sales of 30,000PV 4) Minimum Gross Group Sales 150,000GPV 1) 200PV Personal Sales 2) 500PGPV Personal Group Sales 3rd Executive Round 3) 4 Direct Agency Managers each with Table Overseas Trip Gross Group Sales of 40,000PV 4) minimum own Gross Group Sales 200,000GPV 1) 200PV Personal Sales 2) 500PGPV Personal Group Sales 4th Executive Round 3) 4 Direct Agency Managers each with Table Overseas Trip Gross Group Sales of 50,000PV 4) minimum own Gross Group Sales 300,000GPV 1) 200PV Personal Sales 2) 500PGPV Personal Group Sales 5th Executive Round 3) 4 Direct Agency Managers each with Table Overseas Trip Gross Group Sales of 60,000PV 4) minimum own Gross Group Sales 300,000GPV 1) 200PV Personal Sales 2) 500PGPV Personal Group Sales 6th Executive Round 3) 4 Direct Agnecy Managers each with Table Overseas Trip Gross Group Sales of 70,000PV 4) minimum own Gross Group Sales 500,000GPV DDAM and CDAM who can maintain qualification for the 6th Executive Round Table Overseas Trip within 9 months out of 12 consecutive months shall be invited to the 7th Executive Round Table Overseas Trip subject that if the Company does not organize any Executive Round Table Overseas Trip for that particular year the DDAM and CDAM shall not be entitled to any compensation or payment whatsoever 7th Executive Round Table Overseas Trip

36 E - 34 Note: 1. Overseas trip qualification must achieve within 3 months out of 5 consecutive months (including the month of rank promotion). 2. For Executive Round Table overseas trip (2), Muslim distributors can choose to go for Haji Package with condition the requirement must be achieved within 4 months out of 5 consecutive months. 3. All sales, whether Personal Sales or Group Sales must satisfy and fulfil all conditions stipulated by the Company from time to time. The Company shall be entitled at its absolute discretion to amend; vary or substitute the stipulated conditions at any time and from time to time as the Company deems fit. 4. A distributor shall be entitled to only one Executive Round Table Overseas Trip in any one calendar year notwithstanding that he may have qulified for more than one Executive Round Table Overseas Trip in that calendar year. 5. Note 4 above shall not apply for the 1st and 2nd Executive Round Table Overseas Trip. Rules And Conditions For Overseas Trip 1) A distributor must achieve the relevant qualification and maintain 14% Leadership bonus in any 6 months within a period of 12 consecutive months before being invited by the Company to participate in any of the overseas trip. 2) Participation in the overseas trip is by invitation of the Company only and is not transferable. 3) Any invitation extended to a distributor may be cancelled or withdrawn at any time prior to departure if in the opinion of the Company: (a) the presence of the distributor is undesirable; or (b) a show cause letter has been issued to the distributor; or (c) the distributor s appointment has been teminated or suspended for any reason whatsoever; or (d) The distributor fails to qualify for the 14% Leadership Bonus within three (3) months immediately preceding the month of departure for the trip; or (e) the qualification for the overseas trip has been achieved or maintained by the distributor through dishonest means or through Buy-Up or Stock-Up or through manipulation of sales or manipulation of its downline or through breach of the Distributor s Rules and Regulations or the DC Rules and Regulations or the SP Rules and Regulations. It shall be deemed that a distributor has qualified for the overseas trip through Buy-Up or Stock-Up or manipulation of sales or manipulation of its downline or through breach of the Distributor s Rules and Regulations or the DC Rules and Regulations or the SP Rules and Regulations to qualify for the overseas trip if at any time after having qualified for the overseas trip: (i) the bonus drops by more than 30% (or such percentage as the Company may stipulate from time to time) of the 3 qualifying months; or (ii) the Personal Sales or Personal Group Sales drop by more than 30% (or such percentage as the Company may stipulate from time to time) of the average Personal Sales or Personal Group Sales for the 3-qualifying months.

37 E ) Where such invitation is cancelled or withdrawn the distributor shall not be entitled to any form of compensation or damages whatsoever and the distributor shall not be entitled to any reimbursement for any expenses incurred in anticipation of the overseas trip on any account whatsoever. 5) A distributor must first qualify for the overseas trip in respect of his preceding rank before being eligible to qualify and participate in the overseas trip for his current rank. As an illustration, an Emerald Agency Manager who has not qualified for the China trip and who is promoted to a Diamond Agency Manager is required to first fulfil the Emerald Agency Manager qualification for the China trip before being eligible for the Executive Round Table Overseas Trip for Diamond Agency Manager. 6) A distributor invited to an overseas trip for two is only permitted to bring along his nominated spouse. The Company has the right to request for the marriage certificate or other proof of marriage from the distributor and where the distributor fails or is unable to furnish the Company with the marriage certificate or other proof of marriage acceptable to the Company within the time stipulated by the Company, the Company shall be entitled not to permit the spouse to accompany the distributor on the overseas trip. 7) Where the distributor is unable to participate in the overseas trip he/she shall notify the Company in writing within a reasonable time prior to travel arrangement being made by the Company stating the reasons and requesting that his participation in the overseas trip be postponed. The Company shall have the absolute right to grant or reject the distributor s application for postponement. 8) Where the Company does not accede to the distributor s request for the postponement of the overseas trip it shall notify the distributor of its decision and if the distributor refuses or fails to participate in the overseas trip at the scheduled time. It shall be deemed that the distributor has utilised the overseas trip. For the avoidance of doubt no other overseas trip in replacement will be offered to the distributor and no compensation will be made to the distributor. 9) The overseas trip is not exchangeable for cash or kind and no compensation whatsoever shall be paid by the Company to the distributor where the distributor fails or is unable or is prohibited from participating in the overseas trip at the scheduled time for any reason whatsoever or is deemed to have rejected the overseas trip as aforesaid. 10) The distributor and/or his/her spouse participates in the overseas trip on his/her own risk and the Company shall not be liable to the distributor and/or his/her spouse for any injury or damage to person or property on any account whatsoever. 11) The rules and conditions governing overseas trip may be amended at any time and from time to time by the Company. (REV03/04/2012)

38 E - 36 K) CHILDREN EDUCATION INCENTIVE The Children Education Incentive is offered annually and exclusively to CNI distributors children who obtains excellent examination results. This reflects CNI s firm commitment to education. You may enjoy this benefit as soon as you join in as a distributor. L) PROMOTION CERTIFICATE Once you are promoted as a Agency Manager and above, you will be acknowledged with a Promotion Certificate as a token of appreciation. A promotion certificate will be presented to you every time you are promoted to a higher rank. M) PIN RECOGNITION The Company will organise a Pin Recognition Ceremony at such time as it deems fit in recognition of the promotion of Agency Managers and above. Should the Agency Manager and above cease to be a distributor of the Company prior to the Pin recognition Ceremony no such award would be accorded to the Agency Manager and above. The recognition of Supervisor rank will be organised by their uplines. N) CNI NEWS RECOGNITION When you are promoted to Agency Manager, Ruby, Pearl, Emerald and Diamond Agency Manager, your photo will be published in the Company s monthly in-house magazine, CNI NEWS, as a form of recognition. For Million Diamond Agency Managers, CNI will publish their photos on the cover of CNI NEWS as the highest form of recognition. O) LEADERSHIP TRAVEL SEMINAR Agency Manager and above have the opportunity to participate in the Leadership Travel Seminar which provides an opportunity to rest and relax locally or abroad with his/her spouse. A sweet reward indeed for achieving a set target. The Leadership Travel Seminar is by invitation only and subject to fulfilment of qualification criteria set by the company from time to time. The Company may in its absolute discretion pay a distributor such sum as it deems fit in lieu of participation in the Leadership Travel Seminar. P) executive round table CONFERENCE When you are promoted to Executive Leader you have the opportunity to be invited to attend the Executive Round Table to work hand in hand with the Company to expand your group and to achieve greater goals to lead you to the top in your career with the company. The Executive Round Table is by invitation only and is subject to fulfilment of qualification criteria set by the Company from time to time.

39 E - 37 Q) BUSINESS EDUCATION SYSTEM (BES) - KEY TO SUCCESS CNI s Business Development Plan requires dedication to Sales and Service, Sponsoring, Schooling and Follow-Up, System and Duplication. All these three principles need to be applied continuously by all distributors at all rank. Guided by these principles, a distributor starts with selling products to relatives and friends and sponsors downlines based on CNI s system. CNI stands by your side by providing product guarantee and enriching training to enhance your confidence in developing CNI business. (a) SALES AND SERVICE (1) A sale is an achievement. The bigger your sales, the higher your achievement and income. (2) Service enables you to enjoy a lasting success with CNI business. (3) Sales and service complements each other and are inseparable. (4) 5 important steps for a successful sales and service: I) Positive Attitude Selling is meant for customers to enjoy better products with higher quality II) Be a 100% User Your first customer is yourself. You need to try the products yourself to know their benefits and efficacy, thus increasing your self-confidence and winning your customers trust. III) Enhance Product Knowledge Product knowledge is crucial in convincing customers to use the products promoted to them. To be a professional distributor, you need to continuously acquire product knowledge and updates. IV) Always Be Prepared With Sales Aid And Supply Always be prepared anytime, anywhere to sell. A detailed information about products helps customers to familiarise with the products you re promoting. Product supply on the other hand, helps you to make instant sales. V) After Sales Service Provides the only channel to build a continuous relationship with your customers who are also your potential prospects. Therefore, after sales service is an important key to success.

40 E - 38 (b) SPONSORING, SCHOOLING & FOLLOW-UP (1) Direct selling potential knows no limits or boundaries. The success of direct selling depends on network success and network is based on sponsoring. (2) Follow-up will determine your success in tapping your network s potential. (3) Follow-up and sponsoring are inter-dependable and inseparable. (4) 6 important steps to successful sponsoring and follow-ups: I) Positive Attitude Sponsoring aims to share CNI business with your friends and relatives. II) Be A Dream Seller Sell dreams. Every one has his/her own unfulfilled dreams. Sponsoring is the first spark in realising an unfulfilled dream. III) Get To Know Direct Selling, Get To Know CNI Your success in sponsoring depends on your confidence in direct selling. Confidence is built on your 100% understanding of the direct selling business and CNI. IV) Instantly Invite Prospects To Attend BOS (Business Opportunity Seminar) BOS has been proven as the most effective sponsoring platform. V) Always Be Prepared With A Business Kit Every individual is your prospect. Bring along a Business Kit with you everywhere and introduce CNI to every one around you every day. VI) Follow-Up Help To Maintain Relationship With Your Downlines Follow-up help to maintain continuous relationship with your downlines is the initial stage towards nurturing them to become leaders. Continuous follow-up is the only way for you to expand you network s unlimited potential. (c) SYSTEM AND DUPLICATION (1) CNI s Business Education System (BES) reveals the experience of CNI s distinguished distributors. (2) Your success depends on your network success. Apply 100% CNI System to achieve big success and to realise your dreams in a shorter period. (3) System and duplication are inter-related and become dysfunctional without one another. (4) 4 crucial steps towards effective system and duplication: (I) Attitude: Believe with all your heart that CNI Business Education System is the most effective educational module in guiding you to become a visionary and charismatic professional distributor. (II) Ensure that you and your downlines attend every meeting and training held by CNI. (III) Apply and use what you have acquired to expand your CNI business. (IV) Be determined and continue to apply the System methods in the duplication process. You will find a lasting success in CNI business.

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