COSWAY.COM.MY

Working Towards Your Financial Freedom With COSWAY

Set Your Efforts To 3 Main Activities:

Using COSWAY Products yourself

Promoting COSWAY products to others

Introducing new members into COSWAY

You Will Be Rewarded In The Following Profitable Ways:

•	Retail Profit	•	Branch Bonus
•	Personal Silver Bonus	•	Silver Incentive
•	Gold Bonus	•	Gold Incentive
•	Group Development Bonus	•	Leadership Development Bonus

Retail Profit

You will enjoy Retail Profit from your N and T product category purchases simply by using your Redemption Point (RP) for a discount off the catalogue price.

Product Category	Member's Discounts off Catalogue Price
N product T product	20% 15%

All prices stated in the catalogue are for N products, except where indicated with [T]. Prices of Promotional [P] and Special [S] products are net prices as stated, with no further discount.

Example: How to calculate Retail Profit
Catalogue Price	Product Category	Discount with RP	Your Cost Price	Your Retail Profit
RM10.00	N	20%	RM8.00	RM2.00
RM10.00	T	15%	RM 8.50	RM 1.50

Apart from Retail Profit, you will also earn various bonuses and incentives from the total Cosway product sales volume achieved by you and your group each month.

Silver Volume (SV) & Gold Volume (GV)

Every Cosway product sale you and your group make generates 2 types of volume - SV and GV, which are used for the calculation of various bonuses and incentives for you and your group.

Product Category	SV	GV
N T P S	30% of N Sales (25% N Sales with RP)	100% of N Sales (50% N Sales with RP)
	30% of T Sales (20% T Sales with RP)	30% of T Sales (20% T Sales with RP)
	25% of P Sales	10% of P Sales
	10% of S Sales	10% of S Sales

Affiliate Programs
Apart from the purchase or sale of Cosway products, SV can also be generated from transactions using the eCosway Co-Branded Credit Card (eCC), eCosway Co-Branded Prepaid Card (ePC) and from other affiliate programmes. The list of affiliate programmes may change from time to time.

SV obtained from these programmes will be considered for calculation of all bonuses and incentives, except Personal Silver Bonus (PSB).

The eCosway Co-Branded Cards

"If you can pay for it with your eCosway co-branded card, you can profit from it!"

* Shopping & Dining Out * Entertainments * Vacations *
*Phone & Electricity Bills * Insurance Premiums *

Anything you pay for with this card anywhere in the world will generate SV for your Cosway bonus and incentive calculations. When you participate in the affiliate programmes or shop at eCosway Partner Merchants using the eCosway Co-Branded cards, your SV will be much higher!

eTransfer

This is a unique feature which allows members or downlines who are also active in eCosway to generate SV / GV from the sales volume (eV) generated in eCosway. With eTransfer, 10% of the eV (multiplied by USD to RM exchange rate) generated in eCosway account will be included for the calculation of Cosway bonuses and incentives (except PSB).

To enjoy eTransfer, you would have to be a registered member of Cosway for at least 3 months, e.g. if you joined in May, your first eTransfer would be in July.

Contribution of your eV via eTransfer into Cosway for bonus and incentive calculations is based on your eV generated in the preceding month.

EXAMPLE: How eTransfer Works
Your Network	SV	GV	eV	eTransfer SV	eTransfer GV	Total SV	Total GV
YOU Line A Line B Line C	2,000 3,000 5,000	2,000 2,000 3,000	1,000 2,000 3,000	320 640 960	320 640 960	2,320 3,640 5960	2,320 2,640 3960

	Monthly Requirements
1.	50 Qualification Volume (QV) - For ALL bonuses and incentives
2.	75 Qualification Volume (QV) - For ALL Bonuses and incentives plus eTransfer
3.	A minimum transaction of RM300 from either eCC ,ePC, or any other affiliate programmes, or from a combination of these programmes to qualify for SV generated from these programmes.

Qualification Volume (QV)

One QV is generated for each SV you achieve from the purchase or sale of Cosway products. QV is used only for bonus and incentive qualification.

Product Category	Sales Volume (RM)	SV	QV (1SV=1QV)
N T P S	100 100 100 100	30 30 25 10	30 30 25 10

QV Reserve

QV is reserve helps you qualify in certain months when you need QV for your bonuses and incentives but you have insufficient or no QV. This QV in reserve will be deducted only when it is needed for the monthly bonuses and incentives (and if applicable, eTransfer) that you qualify for. If you do not qualify for any bonus and incentive for a certain month, no QV in reserve will be deducted for that month.

If you qualify: After you fulfill the qualification requirement for that month, any excess QV you have will be kept in reserve to help you qualify in future months.

If you don't qualify: Any QV that you have accumulated will be kept in reserve to help you qualify in future months.

(Please note that you are allowed to only carry forward a maximum of 50 QV each month).

EXAMPLE: How QV Reserve Works
Month	SV & GV from Personal Sales	SV passed up	Eligible for PSB	Eligible for GB, GDB, BB, SI, GI and/or LDB	QV from Personal Sales (1SV=1QV)	QV Used for Qualification	QV to go into Reserve	QV Balance in Reserve for future month's Qualification
January February March April May	30 SV, 100 GV 80 SV, 50 GV 0 150 SV, 50 GV 30 SV, 10 GV	- - 60¹ 30¹ -	No Yes Yes Yes No	No² Yes³ No² Yes³ Yes³	30 80 0 150 30	- 50 0 50 50	30 30 0 50 0	30 60 60 110 90


	¹	SV passed up from downline members who do not qualify for Personal Silver Bonus
	²	Assuming your network does not have enough SV / GV
	³	Assuming your network has generated the required SV / GV
		Maximum QV allowed to go into reserve per month = 50 QV