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1. Official TFI Compensation Plan
We have created the most simple, powerful
and equitable compensation plan in the
world for our distributors. Best of all,
commissions run in real-time; no more
waiting months for your residuals!
Our customers have a powerful, built-in
referral benefit of 10% on every customer
they refer.
Our combined distributor compensation and
referral rewards for our customers makes us
the fastest growing communications and
financial services company in the world.
Effective July 1, 2009
CP-070922

2. Compensation Summary
COMMISSIONS & HIGHLIGHTS
• The Unilevel • 5% Leadership Pool • Volume Bonuses • 65% Payout Guarantee
• Personal Customer • Customer Accumulated • MBZ Car Program • Distributor Rights:
Signup Bonus (PCSB) Revenue Bonus (CARB) Comp plan can’t change
• Incentives & rewards
8.
The Stairway to Financial Freedom Star Infinity
Our business is simple:
To Qualify:
• Give away $1 free samples to customers 7. •FLD: 8
Star Premier •PCMR: $399
• Follow up; customers can sign up for Free •GV 500k
To Qualify: Earnings:
• Grow your worldwide customer and 6. •FLD: 7 •Level 1: 10%
distributor base in order to increase your Star Executive •PCMR: $299 •Level 2: 5%
rank and your commissions Earnings: •Level 3: 10%
To Qualify: •Level 1: 10% •Level 4: 5%
5. •FLD: 6 •Level 2: 5% •Level 5: 5%
Plug into TFI’s system: it’s Star Director •PCMR: $249 •Level 3: 10% •Level 6: 5%
called The Path to Success Earnings: •Level 4: 5% •Level 7: 5%
To Qualify: •Level 5: 5% •Infinity: 2%
(You can find it in your Back Office) •Level 1: 10%
4. •FLD: 5 •Level 6: 5% •PCSB: +10%
•Level 2: 5%
Star Manager •PCMR: $199 •Level 7: 5% •CARB
•Level 3: 10%
Earnings: •Level 4: 5% •PCSB: +10%
To Qualify: •Level 5: 5% •CARB
•Level 1: 10%
3. •FLD: 4 •Level 2: 5% •Level 6: 5%
Star •PCMR: $149 •Level 3: 10% •PCSB: +10%
Earnings: •Level 4: 5% •CARB
To Qualify: •Level 5: 5%
•Level 1: 10%
2. •FLD: 3
•Level 2: 5% •PCSB: +10%
Team Starter •PCMR: $99 •Level 3: 10% •CARB
Earnings: •Level 4: 5%
To Qualify: •Level 1: 10% •PCSB: +10%
1. •FLD: 2 •Level 2: 5% •CARB
Associate •PCMR: $49 •Level 3: 10%
•PCSB: +10% All distributors participate in:
To Qualify: Earnings:
•Level 1: 10% •CARB • 5% Leadership Pool: awarded at 3k in Volume
•FLD: 0
•Level 2: 5% • Volume Bonuses: $100, $1k, $10k, $20k, $50k & $100k
•PCMR: $0
•CARB • Mercedes Benz Car Program: C-Class and S-Class
Earnings:
•Level 1: 10% All customers earn:
•CARB • 10% of all revenue on everyone they refer; paid as service credits
• See page 5 for definitions of FLD & PCMR and compensation plan details on the following pages for PCSB and CARB
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3. Simple & Equitable
The Key to Success in TFI is to become a STAR and
help everyone on your team to become STARS as well!
The Unilevel
At the heart of TFI’s compensation plan is The Unilevel.
It is elegant in its simplicity, powerful in it’s payout and very easy to explain.
Level Payout FLD PCMR Rank
1 10% No requirements No requirements Associate
2 5% 2 $49.00 Team Starter
3 10% 3 $99.00 STAR
4 5% 4 $149.00 Star Manager
5 5% 5 $199.00 Star Director
6 5% 6 $249.00 Star Executive
7 5% 7 $299.00 Star Premier
Infinity 2% 8 $399.00 Star Infinity*
TFI pays out all revenue to distributors through The Unilevel, including all membership fees,
usage from calls, text message charges and money transfer fees. The Unilevel commissions
are calculated real-time and are paid daily! Unlike other companies where you may wait
months for your residuals, there is no waiting for your commissions!
What do customers get if they make referrals?
Distributors earn commissions and customers earn 10% as credits!
Simply stated, TFI customers earn 10% of all of the revenue of other customers they refer!
It’s a powerful, built-in incentive for our customers to make referrals and grow TFI!
For example, any customer who refers a Premium customer to TFI would earn:
• 10% of the monthly service fee of their referral, in this example $2.50 (10% of 24.99)
• This would be credited to the Membership account of the referrer
• 10% of all the Talk, Text and Send revenue of their referral
• This would be credited to the Load account of the referrer
So, make sure you tell your customers to make as many referrals as they can!
(See page 5 for details on Membership and Load accounts)
• FLD = Front Line Distributors; means total active distributors on your Front Line
• PCMR = Personal Customer Membership Revenue; means collected membership revenue from personal (Front Line) customers
• *To qualify for Star Infinity, you must have 500,000 GV with no more than 170,000 from any leg. Paid on 3 generations.
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4. It’s all about Volume
Personal Customer Signup Bonus (PCSB)
Increase your level 1 commission from 10% to 20% on customer signups!
Extra incentives await distributors who reach the rank of STAR! All TFI distributors with
ranks of STAR and above, earn an extra 10% on all of the signup fees of their customers.
For example, if you are a STAR or above:
• Signup a Premium customer and in addition to the 10% ($2.50) that you would earn from
Level 1 commissions, you would earn an additional 10% in PCSB, for a total of $5.
Customer Accumulated Revenue Bonuses (CARB)
Energize your income with CARB’s!
Each month TFI announces the values for the CARB Bonuses. CARB’s are special bonuses
paid to new distributors for the accumulated customer revenue that they generate within a
given time period. There may be multiple CARB’s. Look in your back office for the monthly
announcement of CARB’s!!
Volume Achievement Bonuses
It’s all about growing your volume!
TFI offers you big incentives to build volume. These bonuses are paid out after you build and
maintain the following volume thresholds for 4 consecutive weeks:
# Pool To earn bonus:
Volume Chart Units time from enroll
Bonus
3k 3,000 GV, no more than 1,000 counted from any leg 1 anytime $100
30k 30,000 GV, no more than 10,000 counted from any leg 2 anytime $1,000
100k 100,000 GV, no more than 34,000 counted from any leg 3 anytime $10,000
200k 200,000 GV, no more than 67,000 counted from any leg 4 anytime $20,000
500k 500,000 GV, no more than 170,000 counted from any leg 5 anytime $50,000
1m 1,000,000 GV, no more than 340,000 counted from any leg 6 anytime $100,000
*GV= Group Volume is made up of all the monthly membership fees of
every member downline from you in your organization
Earn them all: $181,100
Leadership 5% Pool
Earn your share of 5% of all company volume: It pays to be a Leader!
All TFI distributors who achieve 3k in volume (see chart above) automatically earn one unit
in the Leadership Pool. This pool is comprised of 5% of all customer revenue from the entire
company and is calculated and paid daily. As you increase your volume, you can earn more
units in this pool up to a maximum of 6 units. See the Volume Chart above.
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5. Get into the drivers seat!
$700 USD per
month C-Class
allowance at 30k
in volume
$1,500 USD per
month S-Class
allowance at 100k
in volume
TFI Mercedes Benz Program
Drive a TFI C-Class or S-Class MBZ on us!
TFI distributors who achieve at least 30k in volume are eligible for enrollment in the TFI
Mercedes Benz Program. TFI pays a monthly allowance of $700 USD toward a new
Mercedes C-Class for distributors at the 30k volume level. For TFI distributors who prefer an
S-Class or SL-Class, they have the option of waiting until they have achieved the 100k
volume level in order to qualify for a $1,500 USD allowance. See the Volume Chart on page
3 for 30k and 100k volume level requirements.
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6. DRA, disclosure, schedules
Distributor Rights Agreement
TFI Distributors are protected by the DRA: the compensation plan can not change. The
company reserves the right to adjust qualifications so long as they are made easier and to
adjust commissions so long as they are increased and to add new commissions.
Guaranteed 65% Payout
We are very proud to guaranty that TFI pays out 65% of all customer revenue to its
distributors, nothing more and nothing less.
Commission Payout Schedule
Commissions are calculated real-time and reflected in the Back Office as “Daily Accruing
Commissions” and once per day are posted to your Commission account. Every Friday
commissions are moved from your commissions account to your Wallet, one week in
arrears. Direct Deposit & Paycard transactions are generated on weekdays at 10 AM PST.
Please note that your bank controls when they reflect Direct Deposits as available to you.
Income Disclosure
The examples, charts, diagrams and compensation elements in this document are intended
for explanation purposes only and are not a guarantee of any income. TFI does not make
any representations of income guarantees that are not the result of successful sales volume
nor does the company allow any distributor to make income claims or guarantees. Like any
independent business, successful results are a result of hard work, diligence and leadership.
Your success will be dependent upon how you exercise these qualities.
Policies & Procedures
Please read TFI’s entire Policies & Procedures document located in your back office. The
following are some high-level policies for you to keep in mind:
1. Money transfer limits: TFI members are limited to sending or receiving the following
amounts from or to their wallets to or from other members: $500 per day, $2,500 per
week and $5,000 per month. These limits are in place to maintain compliance with
international rules and laws governing money transfer. These limitations do not affect
your ability to move any commissions you have earned from your wallet to your
personal bank account through TFI Direct Deposit or Paycard.
2. Customer refund policy: Telfund stands behind its services with a 30-day money back
guarantee. If for any reason a customer is not satisfied with our services, they can
contact customer service, cancel their membership and receive a full refund less any
discounts and commissions earned. Any commissions paid on cancelled memberships
will be reversed.
For complete details please see the Telfund Policies & Procedures manual located in the
Back Office. 5

7. Definitions
Personal Volume or “PV”
PV represents the value of a members monthly membership; it is the total value of all
monthly membership revenue for a given member. For example:
• A Premium member’s PV is 25 because their monthly charge is $24.99 USD
• A distributor who is a Premium member has a PV of 100 because Premium is 25
and distributor monthly fees are $75 USD
Group Volume or “GV”
GV represents the sum of all member PV below you from all levels. GV does not include
your PV.
PCMR – Personal Customer Membership Revenue
Represents the sum of your personal or front line customers’ PV.
FLD – Front Line Distributors
Represents the number of Active distributors you have on your front line.
Accounts
All members have four accounts:
• Load Account: this is where the costs of Talk and Text services are tracked for you
• 1: Load Account must be “loaded” with funds in order to function
• 2: Load Account can be in any currency TFI offers
• Membership Account: this is where membership charges are tracked
• 1: Monthly fees for service are tracked here
• 2: Membership Account can be in any currency TFI offers
• Commission Account: this is where commissions are tracked
• 1: Real time commissions accrue in the Back Office and post to the Commission
Account once per day
• 2: The Commission Account posts to the Wallet every Friday, one week in arrears
• 3: Commission Accounts have no function for Customer members
• 4: Commissions are always earned in USD
• Wallet: this is your cash account in TFI, sort of like a bank account
• 1: Send transactions are tracked here
• 2: Commissions post here once per week
• 3: You can send money from your Wallet to other members wallets & load accounts
• 4: If you have set up Direct Deposit (in the Back Office under “My Settings”) you can
transfer funds out to your regular bank account or out to a TFI pay card
• 5: Your Wallet is always tracked in USD
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