Distributors and retailers of 401k services to small business

BUSINESS ALLIANCE PROGRAMS

The Retail Distribution Partner Program

for 401(k) Easy Online run-it-yourself 401k plans

Retail Distribution Partners receive $150 per qualifying 401k Easy Online purchase -- plus the customer gets a $50 rebate

The Program, for retailers and distributors of products and services for small businesses, is flexible

It's easy for purchases to be "qualified"

Retail Distribution Partner eligibility requirements

Retail Distribution Partner "responsibilities"

401k Easy Online Retail Distribution Partner Program Application

[topic 1]

Any 401k Easy Online customer who lists your company as "How did you hear about us?" source when ordering 401k Easy Online can earn your company money!

-- Your company earns $150.00 for each qualifying purchase of 401k Easy Online that named your company as the "How did you hear about us?" source when ordering.

-- The customer qualifies for a $50 rebate on the purchase at the same time.

Your company can handle the order or you can have us do it. Either way, qualified purchases earn your company the full $150 commission and the customer the full $50 rebate.

-- Your company must be registered with us as a Retail Distribution Partner when we receive the order for your company to be eligible for Retail Distribution Partner income. Register today!

Please note: If you are an NASD Registered Representative or other government-regulated person or entity enjoined from collecting unregulated commissions, you cannot participate in this program -- but take a look at our Product Tie-in Program.

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[topic 2]

401k Easy Online is a combination product (the prototype 401k plan and master 401k plan administration software) and service (customization of the plan and software to the customer's needs and specifications).

-- Some customers know exactly what they want in their 401k plan and can complete our plan order form in its entirety without any assistance.

-- Some customers, especially those starting up their first 401k plan, need assistance in choosing between various customization choices (such as investment choice or whether or not to allow for 401k loans).

-- Some customers want to convert existing 401k plans into 401k Easy Online self-service 401k plans; their current plan specifications may or may not be directly transferable into 401k Easy Online.

In other words, writing up orders for 401k Easy Online can require anything from very little knowledge of 401k plans and 401k Easy Online to a fair level of expertise on the subjects. We let each of our Retail Distribution Partners decide how much 401k Easy Online order-taking responsibility they'd like to assume:

-- Refer potential customers to our website and have us take it from there.
Retail Distribution Partners can choose to simply refer potential clients to our website (or give them our phone number) and let us take it from there. This means the bulk of the work is on us -- yet the Retail Distribution Partner still receives the full $150 commission.

-- Have your staff take 401k Easy Online orders, but refer any questions or help requests to us.
Retail Distribution Partners can choose to have their staff write up orders as completely as they can, then refer any questions the customer has about plan customization items to us. You can use our plan order form (or a similar version of your own); it allows customers to submit the information they're sure of while requesting help with plan customization options about which they're undecided.

-- Have 401k Easy Online certified personnel handle the orders in-house.
Our certified Consultants help customers with their 401k Easy Online orders. Retail Distribution Partners can choose to hire such personnel (or have some of their own staff go through the certification process) to keep the entire ordering process in-house. We reserve the right, however, to review all orders before fulfilling the actual plan and software customizations

-- Use 401k Easy Online order forms and marketing materials -- free of charge.
To facilitate our Retail Distribution Partners in their marketing and selling of 401k Easy Online, we gladly supply them with 401k Easy Online logo and ad materials as well as electronic submission 401k Easy Online plan order forms for inclusion in their websites; hard-copy order forms are also available. All our 401k Easy Online order forms are designed to save processing staff time, gather all information needed to customize the client's plan and plan administration software, and give the customer the ability to request help with specific areas of customization.

No matter what approach or combination of approaches a Retail Distribution Partner chooses for order-taking fulfillment, Retail Distribution Partners earn the full $150 commission and the customer the full $50 rebate on all qualified orders.

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[topic 3]

Three conditions need to all be met for an order to earn your company the $150 Retail Distribution Partner commission and your customer the $50 401k Easy Online rebate:

-- Your company must be named as the referral source at the time the order is placed.
The customer must name your company as the "How did you hear about us?" source when ordering 401k Easy Online through us, or we have to receive the order for 401k Easy Online (via fax, mail or electronic submission) through your company. Please see above for order processing options within the Retail Distribution Partner Program.

-- The order has been paid in full.
Pension Services Corporation must receive full, valid payment for an order before any referral commission or customer rebate will be paid on the order.

-- 60 days have passed since the order was processed, and the product has not been returned for any reason.
Any order or plan canceled or refunded within the initial 60 days will not generate any referral commission nor customer rebate.

Please see the Retail Distribution Partner Program Agreement for complete details on qualified purchases.

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[topic 4]

To qualify for the Retail Distribution Partner Program, your company must meet the following requirements.

-- For retailers and distributors only
The 401(k) Easy Retail Distribution Partner Program is for retailers and distributors of products and services of interest to small businesses and small business owners and managers. If your company is not a major retailer or distributor, you should look into our standard Referral Partner Program, which pays a $100 commission per qualified referral; the commission can alternatively be given to the customer as a customer rebate. The standard Referral Partner Program is for individuals and small businesses.

-- For marketing and selling 401k Easy Online under the brand name "401k Easy Online" only
If your company is interested in marketing and selling 401k Easy Online under your own brand name, please contact us about a VAR/OEM Partner arrangement.

-- 100-order-a-year minimum requirement
To qualify as a Retail Distribution Partner and earn the $150 commission per qualified referral plus qualify the customer for the $50 rebate, you must be the referral source for at least 100 companies a year that adopt 401k Easy Online. These customers can be starting their first 401k plan or having us convert an existing 401k plan into a 401k Easy Online self-service 401k plan.

Until you reach the 100-referral-per-year minimum, your company will be considered a standard Referral Partner; certain exceptions may be made. Standard Referral Partners earn a $100 commission per qualified referral, which can alternatively be given to the customer as a 401k Easy Online rebate.

-- Carryover membership in the Program
Once you have qualified as a Retail Distribution Partner, you don't have to re-qualify with each new year: Retail Distribution Partners automatically remain in the program (earning the full $150 per referral commission and qualifying customers for the $50 rebate) so long as the company continues to meet the 100 order minimum by the end of each year. Certain exceptions may apply.

-- Please read the 401k Easy Online Retail Distribution Partner Program Agreement for complete details.

Due to conflicts with NASD regulations, the Retail Distribution Partner Program is NOT open to NASD-registered persons or entities — but our Product Tie-in Program and standard Referral Partner Program are.

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[topic 5]

The only real responsibility a Retail Distribution Partner has is to meet the 100-order-per-year requirement. Other than that, the program is very flexible. Contact us and tell us what's ideal for your company.

-- Retail Distribution Partners don't need any 401k expertise.
You don't need any 401k expertise to be a 401(k) Easy Retail Distribution Partner. Just send people to our website or, with our permission, copy pertinent sections to a 401k Easy Online section of your website!

-- We'll help you as much or as little as you like with order-taking responsibilities.
Retail Distribution Partners define the level of control they want over order processing. If you want to use our 401k expertise, fine. If you want to have your own people handle everything that's OK, too (so long as the order falls within our quality control standards and the customer is happy!).

The more your company knows about 401k Easy Online, the more prepared it is to sell the product.

-- Visit our website's 401k Easy Online In Brief section for highlights of 401k Easy Online. The Features and Functionality, Pricing and Price Comparisons, and Investments sections expand on important points made within the 401k Easy Online In Brief… section.

-- Take the online demo tour for an overview of the 401k Easy Online system; it can be especially useful if you have even a vague familiarity with or understanding of running a 401k plan.

-- The online demo provides the ultimate hands-on product test. The demo is a fully functioning version of the 401k Easy Online software customized for a fictitious company plan. You can explore the software's capabilities on your own or via a guided tour conducted by one of our product representatives.

-- Please read the Retail Distribution Partner Program Agreement for complete details on the program. If you have any questions, please contact us.

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[topic 6]

To become a 401(k) Easy Retail Distribution Partner and earn $150 for EACH qualified 401k Easy Online purchase (while earning your customer a $50 rebate on that purchase)...

-- First, read the 401(k) Easy Retail Distribution Partner Program Agreement.
All Retail Distribution Partner applicants must agree to the terms of the Agreement for their Retail Distribution Partner Applications to be acceptable.

-- Second, submit your 401(k) Easy Retail Distribution Partner Program Application (below).
As soon as your completed application has been processed, you'll receive an e-mail confirmation (or other) that you have been added to our Retail Distribution Partner Program and are eligible for the rights and benefits thereof. Once you receive this written confirmation, your company is eligible to earn referral commissions (and your customers are eligible to receive the $50 rebate on 401k Easy Online).

-- If you later decide you want to change any aspect of your Application...
If you later decide you want to change any aspect of your Application, please contact us IN WRITING (e-mail transmission OK). Any change to your Application will not become effective, however, until we notify you of its acceptance in writing.

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[topic 7] 401(k) Easy Retail Distribution Partner Program Application
Company name:
Type of business:
Contact person:
E-mail:
Phone:	-
Fax:	-
Mailing address:
City:
State:
Zip:
Website address:
Order processing:	How do you wish to handle orders for 401k Easy Online? Have Pension Services Corporation handle all orders (e.gs., link order requests from your company website directly to the 401k Easy Online website's plan order form, or transfer incoming calls directly to our ordering department) Handle initial order (customer name, plan size, etc.) then forward the order to Pension Services Corporation for completion of plan customization designations. Handle all orders internally, including 401k-related questions. No Pension Services Corporation personnel or consultants will interact or communicate with the purchaser. Other: Please contact to discuss.
Retail Distribution Partner Terms Agreement:	I, the applicant in this Retail Distribution Partner Application, hereby accept the terms of the 401(k) Easy Retail Distribution Partner Program Agreement* on this day of , .*

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