)
BOBBIE PACHECQ DYER and
PATRICIA STALLWORTH, on behalf
)
)
of themselves and all others similarly
)
situated,
)
Case Number: C 13-2858
Complaint Filed: June 20,
2013
)
)
)
7
Plaintifls,
8
)
9
10
)
)
vs
)
WELLS FARGO BANK, N.A.,
)
)
12
PLAINTIFFS'ECOND AMENDED RULE 30th)f6) NOTICE OF TAKING
VIDEOTAPED DEPOSITION OF CORPORATE REPRESENTATIVE OF
DEFENDANT. DELLS FARGO BANK. NA,.
Paul Berkowitz, Esq.
Thomas Kaufman, Esq.
SHEPPARD, MULLIN, RICHTER 8i HAMPTON LLP
1901 Avenue of the Stars, Suite 1600
Los Angeles„California 90067-6055
18
21
22
Please take notice that, pursuant to Fed. R. Civ. P. 30(b)(6) and applicable law, the
videotaped deposition
of the Corporate Representative of Defendant, WELLS FARGO BANK,
N.A. will be taken on examination before an official authorized by Iaw to adm inister oaths,
commencing
25
at
9:00 a.m. on
January 15, 2014 in the offices of Lockridge Grindal Nauen
P.L.L.P„Suite 2200, 100%'ashington Avenue South, Minneapolis, Minnesota, 55401-2159,
612-3394900. This examination
27
or place to place until completed.
will be subject to continuance
or adjournment
from time to time
Demand is made that Defendant, %ELLS FARGO BANK,
more
of
its officers, directors,
managing
agents
NA.,
or other persons
duly designate
one ot
to testify on behalf ot
Defendant, %ELLS F~GO BANK, N.A., on the subject matters more fully described in Areas
of Inquiry,
attached as Exhibit
"A".
CERTIFICATE OF SERVICE
I hereby certify that on the 9th day
of January, 2014, I
PLAINTIFFS" RULE 30(b)(6) NOTICE GF TAKING
DEPOSITION
served the foregoing
OF CORPORATE
REPRESENTATIVE OF DEFENDANT, DELLS FARGO BANK, N.A. by transmitting
via E-
mail to all attorneys listed on the attached Service List.
10
lsi John Yanchunis
John A. Yanchunis {Pro Hac Vice) FL 324681
12
13
ivanchu nis&forthepeople.corn
Tamra Givens (Pendi ng Pro Hac Vice) FL 657638
tgivensforthepeonle.corn
16
MORGAN k MORGAN COMPLEX
LITIGATION GROUP
201 North Franklin Street, 7th Floor
Tampa, Florida 33602
Telephone (813) 223-5505
Facstmile (813) 223-5402
18
Clayeo C. Arnot, CA SBN 65070
carnold&iustice4vou.corn
Christine M. Doyle, CA SBN 106865
cdo vie(Riustice4vou.corn
14
19
21
CLAYEO C. ARNOLD
A PROFESSIONAL LA%
CORPORATION
865 Howe Avenue
Sacramento, California 95825
Telephone (916) 924-3100
Facsimile (916) 924-1829
Attorneysfor Plainttff and the Class
26
SERVICE LIST
SHEPPARD, MUM&, RICH~ k HAMPTGN I.LP
THGMAS
R. KAUF~ (CA S BN 177936)
fmanosheppardmullin.corn
tkau
a
PAUL BERKG%ITZ (CA SBN 251077)
pberkovutzosheppardmullin.corn
DANIELLE I LEVINE (CA SBN 280390)
dlevineosheppardmullin.corn
1901 Avenue of the Stars, Suite 1600
Los Angeles, California 900674055
Telephone (310) 228-3700
Facsimile (310)228-3701
Attorneys for Defendant
10
%ELLS FARGO BANK, N.A.
DEFINITIONS
12
13
The following definitions apply to this Notice
into each area of inquiry listed below.
of Deposition
and are deemed to be incorporated
"You," "your," "company," "%'elis Fargo"
and "Defendant" mean the defendant to
whom these requests are addressed, i.e. %'ELLS FARGO BANK, N.A., and any of
the defendant's directors, officers, sales agents, agents (including, but not limited to,
attorneys, accountants, consultants,
investment
advisors or bankers), employees,
representatives,
divisions, branches, subsidiaries, affiliates, and any other person
purporting to act on their behalf.
16
12
18
19
21
2.
"Plaintifls" shall mean BOBBIE PACHECO DYER and PATRICIA STALL%ORTH,
the Plaintiff's identified in the Amended Complaint filed in this case.
"Document" or "documents" shaU be interpreted in the broadest possible sense and
includes, without limitation, all written, recorded, printed, typed, transcribed, filmed,
digitized, or graphic matter and all other tangible things and media upon which any
handwriting,
electrostatic or other copy,
typing, printing, drawing, representation,
sound or video recording, inagnetic or electrical impulse,
visua1 reproduction
or
communication
is recorded, reproduced or represented, including, but not limited
to, each and any books, records, correspondence, reports, memoranda, electronic mail,
contracts,
tables, tabulations,
charts,
graphs,
diagrams,
plans„schedules,
appointment
books, calendars,
diaries„ time sheets, reports, studies, analyses,
drafts, telegrams, teletype or telecopy messages, files, telephone logs and messages,
checks, microfilms,
microfiche, pictures, photographs,
printouts„electronic data
compilations, tapes, diskettes, drives, removable media, notes, minutes or transcripts
of proceedings, included but not limited to, minutes of meetings, or other
communications
questionnaires,
of any type, including
inter- and intra- office communications,
surveys, charges, newspapers,
booklets, circulars, work papers,
bulletins„notices, instructions, resolutions, reports, records„papers, bills or invoices,
books of account, financial statements, working papers, deeds, loan agreements, notes,
ledgers„security agreements, financing statements„ tax returns, checks, receipts,
journals and data of every description and shall include each and any original
produced or reproduced by any method, all non-identical copies (whether different
from the original because of notes made in or attached to such copy, or otherwise),
an other data compilations from which information can be obtained {translated, if
necessary into usable form), and any preliminary versions, drafts or revisions of any
of the foregoing.
"All documents" shall mean every document, within the custody, possession or
control of you, your national, regional and local offices, and any of your attorneys,
representatives, employees, and/or agents, whether an original or copy, as defined
above, known to you and every such document or writing which you can locate or
discover by reasonably diligent efforts.
"Person" or "persons" means any natural person, business, proprietorship, public or
private corporation, company, firm, government or governmental partnership, trust,
joint venture, entity
(including
government
any
board,
agency
authority,
commission
or political subdivision or department thereof) or any other form of
businessor legal entity,organization„or association.
14
16
6.
17
"Correspondence" shall include any written letter, memo or note which hand was
delivered, mailed, transmitted
by fax machine, E-mail or other communication
system.
18
"Communicate"
or "communication" shall mean and include ever manner or
means of disclosure, transfer or exchange of information {in the form of facts, ideas,
inquiries or otherwise) whether orally or by document or whether face-to-face, by
telephone„ telecopier, mail, facsimile, personal delivery, overnight
delivery or
otherwise.
19
8.
"Including" shall mean "including, but not limited to," or "including, without
limitation," any examples which follow those phrases that are set forth to clarify the
request, definition or instruction.
"And" shall mean and/or. Note that the connectives "and" and "or" shaH be
construed
either disjunctively or conjunctively as necessary to bring within the scope of the
discovery request ail response that might otherwise be construed to be outside of its
scope.
and/or. Note that, the connectives "and" and "or" shall be construed
either disjunctively or conjunctively as necessary to bring within the scope ofthe
discovery request all response that might otherwise be construed to be outside of its
"Gr"
shaH mean
scope.
"Refer," "referring,"
"relate," "relating,"
"concern„" and "concerning"
in whole
mean
all
or'n
part,
explicitly or implicitly,
documents, as defined
compare, were received in conjunction with, or were generated as a result of the
subject matter of the request, including, but not limited to, all documents, as defined
above, which reflect, record, memorialize, discuss, describe, consider, concern,
constitute, embody, evaluate, analyze, review, report on, comment on, impinge upon
or impact the subject matter of the request,
above, which
12.
19
"Class" and "chss Members" shall mean the class as defined
case.
RELEVANT TIME PERIOD
12
13
in the complaint filed in this
Unless otherwise
stated, the relevant
time period for these Areas
of
Inquiry
is frorr,
January 2010 to the present.
AREAS OF INQUIRY
17
18
19
1.
The drafting
of
the incentive
compensation
plans or formuhs
Producing Branch Sales Managers and Home Mortgage Consultants,
including
which
apply
to
any amendmenL
or modifications to such compensation plans.
21
2.
The manner and method for determining
and calculating compensation
of Branch
22
Sales Managers and Home Mortgage Consultants,
including
the compensation
paid to Plaintiff's
23
to date, and your interpretation
of
any provision
24
Complaint as it relates to the method
26
of determining
of the contract attached to
the compensation
Branch Sales Managers and Home Mortgage Consultants.
the Arnenderl
to be paid to Producing
3.
1
plans or formulas foi
Any decisions to modify or alter the incentive compensation
Producing Branch Sales Managers and Home Mortgage Consultants.
4.
The manner
in
which
you
communicated,
distributed
or
disseminated
to
Producing Branch Sales Managers and Home Mortgage Consultants
the incentive compensation
plans or formulas
alterations,
for these positions, including
any amendments,
changes and/oi
modifications to such plans or formulas.
8
The process and system
Branch
Producing
12
13
compensation
Sales
Managers
in
and
and any response or resolution
place for handling
Home
Mortgage
complaints
Consultants
or inquiries
relating
from
to their
thereto, including disputes over compensation,
the
persons who are involved in handling, resolving or deciding those disputes and the manner and
method
by which such persons are compensated
inquiries
you have handled
Consultant
in which
and paid, and the number
a Producing Branch Sales Manager or Home Mortgage
chimed to have not bee n paid the proper rate of commission
Comphint and the outcome
of complaints oi
of each such
as alleged in the
complaint or inquiry.
18
6.
19
Any determination
made by you of the compensation
which may potentially
owed to all Producing Branch Sales Managers and Home Mortgage Consultants
Amended
21
22
Complaint filed in this case, including
be owed compensation,
manner
which
determinations,
such determinations.
of the
as alleged in the
individuals
who mal,
the amount which each such person might be owed„and the method oi
you used
in whole
your identification
be
to make
these determinations.
If
you
have
not made any such
or in part, the process or steps you would have to undertake to make
1Nelts Fargo Home Qoftgage
h
c
WOE
2
2011 tnCentive Cofnpensation Plan for
Home Mortgage Consultant
Wsgs Fargo Home Mortgage FWFfAI ar ihe 'Ernpfoyor'j Is sbangiy carnmgied h a phbasoPhy of psy for
performance. The Home Mortgage Consdlsnt Incentfve Pfsn ls desfgrsd ia mobvafe snd reward yaer conlnbu lan
~nd reinforce tho nood to moot fho risk snd campksnca accaurusbbby requirements of your asftfcn. As s
psrgclpent h lhe Horne Mcrtpsge Consuttanl (qgVIC'r Eynpfoyeo Incengva Plan ghe Pion'j yau vrgt be rewarded
for assisting end counsegng borrowers Ihet meal Wobs Fargo guldalnes end reguteiary roqukcrnarrts end far
msrkobng ond angfnsbng tughqudily loans ond lines. For purposes of lhis Plan, Webs Fargo a company shab bs
referred lo es "Wsgs
j
Fargo.'scffan
IL
EFFECTNE DATE OF THE PLAN
Tho Ran fs otfecbve for loans butt hew kcked Aprl 1. 2011 snd altar (lho Etrocliw Dots j. The ianna and
candaons af the Plan sro subject ta potfodk rovkrw and msy bs adjusted by wFIBA (seo 'Amendrnonl and
Tennlnsgon of the Ran h Sedfon Yl D.j
~
rebeds wFIgvrs axpcdsgane af the mortgsgoomdhg environment, The plan Is subject to chango at eny
Ilne sf he Employers sale cbscrekon. wFHM era conknus to monitor market conddlons during snd may madby any
of Iho
of tho Plan duo to the EmptayeA dstsrmeattan, that there is a signlcenl chango In tho martgsgo.
Isndhg snvianmsnt or for such other reasons oanslslonl with the spktl snd purpaso of Iho Plan,
Thkr plan
Sactfon III. EUGISJ LITT
Tean Members of Wobs Fargo Home Mortgage, a dtvtskfn of Webs Fargo Bank, If A. or of a psrbcipaling amfbaysr',
dsssfffed es Home 5hxt gage Ccnsullants vnlhin Netfonsl Consumer l.endhp ero sbgibls lo psrffcfpsfa In this Ron.
Other learn members ero obg Ibis to psrbdpels only sl tho dl sctsftan of the Erfacubw %ca President, Role 4 Net knel
Safes Manager, or other designated representative.
To bs eggfbfo far comps nsstfon under the Ran, yau must asbsty rlffrbmurn standards ard roqufnrra ants ss dct fcvth
In tho plan. Addibansby, yau must argues lo Wolfe Ferpab Code of Effrfcs end aashess CanducL Wobs Feign's
~rnpfaymsnt pofrcios, ond Ihs campbsnce and nsk
accountsbgity rsqutrornonts fur your positron.
indudlng, but nat smiled IO Campf isaac With Sb WF HM pal idee, ISWS, ruleS, Snd repuiaganb agpfkgbfe IO WHIM
bushsss scgvttfes ss s ccncgtfan procsdont ta earning compensation under tho Plan. Faburs to moot twomo
mhfnssn eland ards snd roquksmonts will squusfffy yau flam sarnhg camponsatlon under Iho Ran (unless
dekumkleb by WFHMj snd may result h correcbw scbon. Inckd fag bul not grnltsd to Insneckate
Iarmlnabcm of smpfoymonL Please refer lo tho
fbr Wolfe Fargo Teem Members for hfamaban about
Wells Fargo's employmenl pcdces, Ihe Coda af Ethics snd Sustness Conduct, end the Campfience snd Risk
Management Accounts bfity Palky.
~
msn~
~
Compliance with Lmvs and Governance
The d etennln ebon sad psyms nl of any Incengw carnpsnssgon und sr fhe Rsn fs subject Ia Ihe condnfons ond
reatrkbans Imposed under sppbcabfe laws, nbes end refpletlon1. A Partfdpant's rights I 0 ar facelpl af
under the Rsn mey be Imited, fredNlad, csnccfhd or recovered lo ensure campfktrme vrtth sI such
applicable laws. rules, rsgutsfbrts snd guidance Ihal msy be kfsusd themunder. In eddflkn, Ihs Plan Admhfstrsfar
sncgar WFHM (subiod to fho oulhanty of ho tlurnon Roscsfrcos Camrnllloo ot Webs Fargo's Board af Dfrocloa (fho
'H~& hss ths fub cgscrecansry authority to adjust ar emend s psrgdpsnrs fncentfve
or hconkve
payout under the Plan el sny time.
~tfan
city
BIT
()
'
~ ~
/5J.4n
psrbdprrririg smpfofsr means sny subidiary cviaht vvrturo Psrtnot af Wobs Fargo Horeo Ikvtgvgs, e dkihlon af Wsls Fargo
Bank, IfA, thol efects ta
h bur Ptsrc sut(oct lo he sppravsf af Vf ega Forgo Hcrns kkvtgsgs Fcr PLrpacov Cf biv Pfvn.
rgonrrfcss ta Enrpfaysr fnctfcss such psfbcfpsbng
gWOtf241tj
Page I cf t2
%F000522
I
!
~
e
Inccnsve compensetton svnrrds under Ihs Ptsn msy bs petd In the form of cash or equity, or ccrnbtnssoc
br yyFHIVfa dtsoregcn, TO
SXteni SN Or 8
Of Sn SWard WN be Pred In sq Vtty, the aqrdty 8Wrrrd Wis
under ths Vyrdis Fsrtpr N Company Long Tenn Nrcmngve CompemreNon Plan jtha
LTICP awards
SS
~
Ss
'LTI~
s~
Sereol,
bs made
sra
e~
condiyoned
to such terms snd conrgcons es
snd subject lo
8pprcvat ot the HIIC snd sre
by SS HRC sr SCCcroanoe WIS the prcvtstcns Of ihe LTICP 88 reseCIeCf In SS apptuXtbfe 8Wsrd agresman L
A. 08nerat. Emfxoyeo'8 total compensation shaN be orrprvred sourly of je) houdy pey frAdvesces on
Commissions), (b) ccmmtsstons, bonuses snd aSsr scantvss earned, if any. per Ftsn
fn excess of
sdvsrcss, snd jc) ovrxttrne premiums for ovsrtbne hours wonted In sccordsrros vvah sppgcatxs hrw.
t~,
For sN Plan provtsanvt„s basis potnt pbty) shag bs defsred ss ons one-hraxtrsdth
j1 bp e 0.0001 Or 0.01%).
of ons percent
provided Es;ployee as defies aN conrNNons snd rrv nynurn requfrem enls as sat torth br the ptsn. Nnd subject lo 8 N plan
terms, orxnrrdssfon creryt wW be granted on Ss Isat da} of Ihe mort S In whkh the loan scfuagy funds (l.e.
disbursement of funds lo Nre ctosingfsetifernent agent). Funded Rxrrrs wiil be reported in dotbrrs snd unN8 on Ihe
Adua! versus Plan (Avp) bmnch Profit snd loss jPAL) statement.
ho~
for aN hours earned.
worked snd oSw paid Nme, al ths hourly rais of pay sstsbsshed by WFHM
Employee vrfs be paid
troat bwe to Nme jbut vrfuch shag at 8N times equal or exceed the sppgcsble nanimum wage rsur), For purposes ct
sn
advance
898insl
Ihl8 Plan, aN hourly psy ls
and Perfbrm ance Scorecard Ccrnrnl asicns. end
mon arly commissions
also against aN brcsnttves Ihst Empoyss ts oservrfce sltglbla to earn under this Plan untsss otherwise spodgcafy
provided Nr the Emplr&ysa'8 Attachment A for specINc
As such, Em)Noyes's houdy pey is referred to 88
on Commissions, and unless othenvlse spscINcstfy provided fn lhe Employee'8 Atlschrnenl A, Employee
wtg saw corenisskxrs snd other Incsnaves under 088 Plsnonty to tha extant the gross earned incentive anlunts
exceed ths hourly pay Ihe Empbyse hes
fThe 0.5x overtbns premium WFMM pays Emfxoyae on hourfy
psy, hovrsver, ls not treated as an advance under ths Pian),
~
l~.
As used in Ibis pbrn, tncenNve'efers
Emptcyee ls aagfble under this Pum.
9.
Standard Commrsslon
to commlsrrbwrs.
bonrrres snd aN other Incsngve psymaras for which lhs
Include horxfy pay.
Incsnbves'o nol
Schedu/e,
Commission mte of pay under this Plan Is datelined by the type of reaidcntial morqptgo and Iha monSly funded
Vutume {dONer» '8 Or unky) Of reatdenaal rnCXtgage buxinaca SCCured by EmplOyee. CcmmisSen Credit shaN be
based on ths fog owing standard corrxnt stion schedule. subject lo say modicsUons set out ln Atlschmant A harelo,
which h Incorporated by reference, snd whkh msy bs smrrnded or modified by Employer si any tin e.
1. Gtandard
Commtssbn
Schedule
Ths Standard Commission Schedrxe determines Ihe commission rats based cn the Employee'8 mcnttcy fundrrd snd
referred doNar volume that funds gf funded snd rsiarred ulvts thai fund. The hiqher rslg derived from iha schedule
per usga M dotter volume applies.
The comrnlxsron rare rbr purchase loans snd regrrsrrcs foarrs Ix deierrrtked by fhs fgjgj Purch888 snd refinance
rfolrsr volume or unifx ltrrrrferr enrf assured Ihrrt fund by Emfrfoyee fn fhe morrlh.
Ths comml eaten rale Is 8ppliad lo tt'8 ended loan doNer volun
gadfhry'T)rffN
"'IBrtstg
8 to determine
"
I'.i59~nTiims
~
Commission credd.
1':Kh%d%6~CR%rrRI.% '..'-~A'Qtl'RbfgftaiFhp,j11 N ).
)- N.ktWRW:e "3 '.IN-e.:NNC~W.NN,a:9;. e,gjqfE
NN-e":e:.a.rN a.g-'a.NN:.a;a.if:,e,N'NN -» Ny;W-'h..m
.
1-8
7-9
10- 19
13 and shove
VI
.Se
$
g"R'vr
se-Itsrvtr ~sere 'sv re .re
43
80 - $899,999
9900.000-%1,399.999
81,400,GOO- $ 1/99,999
NL900.000 and
oi%.N '4 ''.Njjpj%nXn4:
~ 1%
e rt:rrvr)Fw
abae
These ttBBdilrd corrxr|issfon rates apply unbrxs 8 different,
dsscrsrsd berrvv sheN be according lo the provf~ below
~c
In
4tt
8
8
55
8
54
64
63
8
59
49
rats sppyas. commtccb& rata fcr sny Ioun types
lieu of Ihts Standard ccnvrissen scheduvr.
I
For psrpa««of dshrrnuWrg the purchase snd rsinancs rxrmrnhrshn rolK
~
wFHM lo wFHMrainoncad lasn commfrshn rxdes are ~ Nsl 43 bps.
- - — . - ~ Parlfoio Loans (sanded snd referred) ahsN be hchrded ln manthty funded doiior
(6)vahrme or unks,.
r
Brakarad Out Ia«rr {lunded end referred), and Canrtruathn leone Shai be enstuded fram nrOnthly IUnded daller
(5) vohmo ar unbs.
r
Rafsasfs to pragrara speciathds (Inctudng Corporate Connscion) shaibe hctuded In lhe monthly Nrndod doser
(5) vohrmo ar units. Referrals to program spsdslists count for carrsnbrsttxr crodNNsring on parsanal
banractiona
Rsfsnal doisr (6) vriumo snd unNs crxnt m the month that Ihe rsfsnal funds wih the pragmrn
spuctuisL
~
WaNs Fargo Hoes Equiy hens snd dnss of credit (Nrsded end referred) shel bs brcbded in 6 volume totals
based on the trNNra uliizsd balance
~
AN watts Fargo Home Equity hans funded and referred h the Nrsl
position (hclu ding Smart Psy Unos af Crorit)
~nsN be Inchxted h monthly hrndsd urut lalsts. AN other Wois Fatgo Home Equity hans end lines af crsrit
(funded snd rof«rod) shai bs excluded fram rxr8 htstr. Commlsshn roles on dress lass types ara describsd
br8aw.
walls Fargo Nsntr ralsrrst loons thol fund shsi hove a cammtsrhn rats of a rtat 43 bps.
credi psr loan oi $T00. Exctudes rsansncos wdhin srx (8) months
Marfrnura aommlalan arsdi per hsn of $ 10 000.
~
AN
Mrnhxsn commission
~
Ca lTlrrlfas hn Exs m
ptas.'e~'~~'~
i
8A Ni
l
«
hrny
88'.
N )6, k."0: 0
~+4''& ~'+'ltd~'% 8''ai"~Mr
8 O'II )6 %.
lf I
88
lusts
3
52IXI,NO
July
10
$hscooN
RFI$68rII
88
K'435'.Ri8$ .:xJf 5:%l
.A8 68'Ct'$--8$ ,'8$
. trnns,
vvlurnv 5 ')rrnv
$5aO.OOO
2
8
$1.0M.ON
2
5
2
Vvtvms
5
$250.000
$350,000
$M0.000
$3000N
"l3nns
%(NN'88
vcturrrs 5
2
$25).OO0
2
$253.0IXI
$503.000
5
2
'luigur4%'.8,".Kiterifitt)NNIN'.;NdrslgtrNNu
I ".n644g 'Ni~JSi%~88
Sr«4863 ton
63
~JrN
na
tres
&I bra
63 san
lf".4f~g~I1$
tnrn
i
i
63 bas
83 sas
43 ben
43 bps
r3bps
43 ben
%-Kniti
Nf
'6 6888
88f
';%-'
$t.df5
$ 8,050
58.560
'15.150
2.
ReAnonces wihln six (6) manths,
Emphyos wil nat bo eligible fcr cammisc on crrugt on the refinance of 8 a sxtsgng WF)68 laen thol arigina8y funded
toss lhsn three (3) months prior to the re An ance hmdvrg data cammisshnreto on e rainsnce of sn sxiring wFHhf
loon Ihat angfnatly funded fina (4) IO Shr (8) month S Paar IO Ihe refrrrsnCO furuing dots Shel be na greater 81en 25
bpe al lhs tundsd hsn vohsno. The m'etmum commission crsrit por lasn is nal provided hr rsinancss within six (6)
months.
3. Relsrsnces
wihin stx (8) months wilh s prs4ray penalty
Emphyos wli not be ot tglbte for commission credit on ths refinance of sn ordr Nng WFHM Ia«r thol
haa ann $IX (6) manurS pnOr ta the rOAnanCe hndhg date Vrhh 8 pra-pay psnatty.
~
~
~
~
~
~
~
funded
~
~
4. Spscbrt ty Rsinence Rates
~
~ly
(3) Stop rolinsrlced loan oonrrnadon clod 8 rates sra por Nla stand«d corrnnlc rhn rchsduh.
WF)glt herr or a Freddie Msc to Frsddb Msc Rcdsf Rsbnsnce Mortgage rabnenced hsn caranirrhn credit
roles are per ths standard carrxnisshn schedule
WFHM loan of ~ Freddie Msc ia Frscktur Msn Rnisf
Morlpsgol Tluso (3) Stop Express rsAnencsd
hsn orrrvnlsshn credit rater «s psr tha stsndsnf carnmbsrfan schedule
Tradilhnsl Three (3) Step Express reilnsncsd loan cammlrnlon credil rates are s i st 43 bps.
TradNhnst Three (3) Step RalslTsrm Roll refrnsnced hsn canvnisshn credit rates ore 8 list 43
bpe.
Trsdbhnsl Throe (3) Step Cash Out Rsi rninanced lean cammlcrtcn crodi rains «s a Aat 43 bps.
WFHM loon af e Fonrfe Mss lo Fannie Mao Rai Plus
lasn camrnbrdan cradi rates ors per the
slQndsld cant rills shn sensa use
WFf+l loan ol s Fannie Mss to Fsrvus Mss DU Rsfi Plus rein«rand loan commission asdit mtcs are por the
Standard camrrlrrlan schedule
Non WFHM hsn of s Fsnrds Mss ta Fsncf s Mss DU Rsh Ptur rsansncsd hum carrvnlrsran crsrQ rates are par
ths standard carrrrntrnlon schedule
HARP Three
5. Davsmmsnt Loans (FHA/VA).
Cammtsshn crsdN rais on Government Loans ended by Ernphyes rhsi Ibiaw the standard cammtrrk«scheduln.
~arming
d.
Product Sst
camrntrrhn crscQ rale on hhn-Conforming loans funded by Employee shaA hihw lhs standard corrxnirsion
schsdue, There h na commirrhn credit on Ihe second nxxtgooe ol s DAP portion af s Sand La«1 under $25.000
In lass stxs,
(ot2) tl2011)
Prus 3 af 12
%'FOUOST4
t~
'f. Spechrt Housel
rats on
Secondary Msrkegng
Comm
~e.
~
~~~
(Scxxt Loans).
programs snd other special WFHM
as
by WF HhYs
(Federal, Stale or City Bend Programs,.atc.) xhaILba par tha slaadsnf comtnixxon
~
t Houtxng
8. Smkerad Gut Loans (Employer does not receive
Etacttve March t5, 20I t, Wacs Fargo Home Mortgage no
pr~s ann~
longer
wiN
agovr Retail 8rotrar Oul appNcsdcn s-
g. WeNs Fargo Home Equity Loans snd Unsx of CradiL
gw. Hon» Equity Loans
crecNI ttua on Hone Equity Loans funded by Employee sha5 foacvv the standard comm!salon schedufe.
Refinance cornrctsxton rais lo foNovr standard WFHMIo WFHM refinance schedule A mtnimutn commission creryt
per loan of $700. The minknurn applies in tots! for $70O fcr a combination of e fmt andfor second Home Equity
Lean snd LN».
Cornrnlxsioa
N.b. Home Equity Lines
The foaovrtng tenne apply Io Home Equrty Linea Of Credit, induding purchase money, raierierm refinsncss, snd each
out rafinences on Home Equg y Lhes, Srnah Pey Uncs, Srrxut FN LJr»s, Horne Equity Accounts, snd Horne Assai
Management Accounts.
Commission cred 5 svsil sbNI tv and rates
Etnpfoyae wINbe aygtbhr to rsceha cornrntsxton crsdN for Horne Equity Uncs of CrediL Ths cosmksxton credN rata
on Stand-alone Home Equity LN»a of Credg snd Simo Hc rxe Equity Lines of Credit Is par the shtndsrd comrntssfcn
schedule. Tt» commission credit rale on refinance br tot tax stwxlsrd WFHM tu W FHM ra Nnsnce scheduar.
Employee vrfl not be etrgtbxt for carnmtsrdon cravat on rncdftcegona, subordhattor», equity lines to emphases of
wells Fargo 8 Company, snd ragnancas cr sxtxNng Nnas of cradN vrtttun one year ot the ortghsl funding date. If 5»
amount of the reitnsncad line Is greater Nxtn the origina srncunt, then commission credit chaN be given on the
tncremanbd
amount only,
Extbnetad and
commtxxkrt credits
wNI be granted when tha Hams Equby Ltna cf Credit funds, Ttds estimate wif
be based on lha lnlgai UINrzdd bahuxxr orgy {thai ls, 5» enxxxd lhs borrouarr receives al tfoslAQ) Conxntssrons pxtd
on these ssdrnales ara tan!eave and not earned. Tha Nnet commission credit vrt5 bs based upon Ihe linet utN{ted
btdance on 0» Home Equily Lsur of Credit. The Nnsl uNtbxrd ba!ance (for purposes of corrxnlseon credg) shaN be
deterrnmed baaed on Ihe ending bsisnca ot the biiNng cygne st the end of the thxd month. If the change is aa
Ntcrease equal to or greeter than $5 000, then en upward comm!salon crxKNt sdjusbnent shag ba given based on the
anllra amount cd lhe Increase, If the change ts a decrease greater than or aquei io $ 5.600. then ihe estimated
Commtaxtcn Cradd Shaa be Sdjucted dtnvnWard by the SnNnr Srncunt Of the daCreaS«. Any utNIZed balanCe Change
Nud ls not at least $5,000 or greater does nol trigger a chmge in tha oomrnlsslen credit
An Inigal.
Nrxrt
cstinsted cornrnhsion credit
The ridnbnurn corntnNttxon credit on any line of crarNI hr $50 regardless of utf trad srnounl. Tt» rninlmum
cornndcxton credit on a purchase Sano Horne EquNy Une cf Credit ls $200 regardless of utftxod amount.
Ho three rnonlh review shag be comfdeted on badge loans, lot loans, and
Bmrncie
Ex
la
of fncr sass;
Jg,~+ ~Po
iniasl Transaction
(commission credit
advance)
Three month review
(Nnai comrrsxxlon
I
)
crarat crucutahon)
Tourt
~
$ I,000,000
Nt,ooc.OQQ,
5» hon;e
equity Nxed rais srnorNnng
NN~~sgfo~
7': 55sab&T 5 t
5750,000
$750,000 x 43 bpa e $3.225
$ 900@KI
$ I50,co0 x%3 bps ~
5045
$ 3,870
loan
~
of Oscrssxs;
'alFic4
EV51ft
Jnikal Traruurcdoo
,
NTIGG,GGQ..
BT50,000
51,000.000
5500,GGO
"
'CSr'ri%1M~rt
4750,GQQxd3 bps .53,225
(convntmkn crsdd
advance1
Yhnss month ravrsur
Oink cornmtwion
rxsdtt crdcrds5onj
Toutr
- 5750,000 ~
%250,$Xl x 43 bps =
5500,GOO
- II,DTS
~
$2,I50
tG. Watts Fargo Employee Loans (tndudes WFHM and Non-WFH+,
Commission rate for loans ortgkvxted by Employee far snqrlcyees of Wells Ftugo sngttes, inctucang
shaD be s Gat
35 basis prxnts ot the tunded toan volume, No overage or underage, other Ihsn the vvshr ed odgtnadon hre, fs sarnwtd on
Mse loans. Employees can eb5 ba directed Io the HOME Tsagn SGO phone number. There ls ~ Sat 10 bps prefer to refer
cornrnlsshn credh for loans retsrrad tlat fund Itvuugh ths ItOME Tssrn 500 phone nurrbsr. No ttsther commission rate
sdjusbnent tor WFHht to WFHM refinance hans. No further cone,lest rate sdfusbnent for Wells Fargo Sank tosn
rerenafs.
Employee's must refer 3-Slap Emptoyes Loans to the HOME Team fbr loan funccngs. Ttxs udt ensure proper tosn pricing
these loans. If Ihs Employee does assrnpt to orltpnals 3.step Ernfxoyse loans. then lhsrs wtD bs no onxrsaaron crude
on those hndlngs.
11. Premiere Asset Services Loans.
comrskraon rata fbr loans odgtnatad by Employee snd derived from referrals from premiere Asset ssfvtoes sha5 be
per Ihe slsndard commission crsdg scheduh.
12. Conskucdon Loan Express fCLX} Loana
rais st the constnrctlon Iosn chas shad be s
Cornmlsrdon
thd
25 bps,
No unit credil al conxbuctton cfose
Commtsxton cradil et the permanent loan funding s'util be scorxdwg tc the standard cornrnisshn schedule for that
praducL tsss shy cornrntsskxt credit given sl ranttrucfen kuxt close. Any cortstructton ongtnsGon fes cosscted ie
ethwed to be induded as revenue when deuumfntng Ihs Adjusted AII-tn Pace of the pernxtnera loan. Hawever, in no
xttusgon. csn ths conslnrdlon ongtnsaon revenue be sHowed for overage revenue exceeding 101,50 overall pdcing
(ratr
~
levels).
13. Bu5der Loans
Employees ars requksd to collect ths
Builder Best tes wtiNn 35 days of Ihe InCal lock dear. vtolailon of Ihe fee
cot krcgon pof cy could result in perfcxrnance counseling. sn informal or fonna I warning. and@r loss ot the right to
originate loans under fhs Buldaf Best Prcrgram.
Buader Loans wtat Extended Locks:
Employees sre rsquk ed to cotlscl Ihe Extended Lock fes viltvn 35 days of the inldsl lock dale, vlotsdon of ths fes
collection policy could resrst in performance counseling, sn ktforrnsf or fennel vrsrning, sndfor loss of the right to
ortgyrshr loans under the Exlandsd tock options.
Iq. Spsdal htadrsdng Programs snd Special Addendums.
conr6 sskrn rate for spectsl kans, nonstandard products snd unique srrsngsn'ants
applicable Program Guidelines.
15, Asxurrqxens
No padtctpstton
srd Bridge Loans.
by Employee except
as ssl
shalt be
sei
forth in the
forth in sppNcabte Pro@era Qukfsgnss.
1tL Accornrnodua on Loan+
No parGcips gun by Ejnptoyee unless Ihe teen cornea out of scoo rrtrnodakon status wiINn 90
days of loan fund vqt.
Comrnttudon credit wrD not be given urtiil Ihe loan comes oul of accomrrXxfathn stsiu S urdesa approved
by the
Regional Stdcs Manager.
~~d
~,
~ce
Upon request from Employee, snd subJect to wFHM's
wFHIA may elect to hire s Mongsge Axscctate to
assItt Errtproyss with securing rssldenG ~ I mortgage business. fn such a case,
shdi no longer be
kx cornrnhr dona
I ha cornrrtfxxion cr scat schadukr hrxsln. Ixa Instead vrl be stlgtble for rxxnrctsston credit
under one of Ihs Dvca schsdukrx sat forth on Ihs current Attachment 8, Compensation Plan Arnendmenl for Horns
Motfgsga Axxocfsts,
hereto snd incorporated by reference, as!I may bs amended or Irrodtsd by Employer
tram tyne to bms. The appkcsbt ~ cchsdukr shalt be ssi forth on Employee's Attachment A.
a~is
'or
~a~~
~yee
may spta ar chere s
As~Is and
af hrsrhsr aammtssuw evade vvtth en Associate, ya ths extenl that
»lyse 81 share dulac and spNI commf~ 8«m scatty tor eas» af
sdmlrdatra%on tha cammiss«tn sntatbe calculated under ths Employee'a Empbye»IQ num ber, sr«l tire camausstan
Assodeie sh»8 be renectad ss s hne item adjustmsnt an 8«r Em phys»'s
shan »faceted to lhs
report, Despite pvs
method„sny commhs««ts earned by the Mongage Assactste as a result
af ths cammtcsbn cfat I sty bs the Mortgage Accacis le's own esmt ngs snd the Assadst» shaN be
s for sa
psyma snd Incorn» taxes an those amaunbt. To bs sffecgve, eny agre»mani ta spth commissions behveen an
Ass oaale marl be ma morteilccd tn Alt»chant A tor the F mployes and the corn panes bon
Em~a and
Ptsn far at% IVta/lgsge Asco&kta.
tn eckgcan,
s Mortgage
~age
~
corn~
r~
18. Prefer 10 Refer.
Cammlcr4on credn an sny fasn res«red by Emffayse ar s prstyam SPsciefsrt ar an sny Iocm hwdsd by Employee
and dedved fram a referral earn a program specisgsl, shag be grsr ted fn accordance vvkh Ihe Prefer to Refer
compens»Non Ptsn Addendum attached hereto end Incoqtant ted by reference. as lt msy be emended or mod tyisd by
Ernpbysr fram Nme Ia Iims,
19. Commission Sharing I Commbrshn Splas.
In sny csea un»ra Employee agrees to chars or apgl commission credit on any Iosn Vlh ans ar more sttgibis
emfacaaes, btst comrrfsskcn cred8 to sll employees on that bsn shs8 nat »cased Ihs commission schedule sst forth
herein. Any commission shsruvg I spat csnnal exceed Ihe max commis+on level ln lot»i.
20. Reconcgbgon for Early psymenl Defaults.
Esmlng commissions ar other bcentlvss on a laen is sub)sct la the condition lhat the loan must not suyer en early
peyrneni default (EP 9).as determined by s sbc (8) month review. EPO Is delved es a borravtm nbtaty days
deturquent Wahat the irat SCC 18) manths at paymenta Canung dua. If the laen fa en EPD, then the CammISSICSC Credil
odg1nsgy grani ed vvgt bs adjusted dovrnwa rd by lhe enfbs amount of ihe commission rale of pay on thai particular
ban, sxdudtng EPD bans veth Ids events'his means that the comrrsssian cnsdit cvt8 be adjusted downward to
xsra bps for Ihs commt Mian rats af pay on Nurt particcdsr bsn.
appeals
C Personed Production Performance Scorecard Bonus
Tha Parfcvmance Scorecard Bonus wW consist of tvro abyrcbves: Customer I.oycfty Scares and initial Fga Qusaty
(IFG) Rating scores on personal praducgon. The performance scorecard vcl bs paid on semi-Annual'cores on
per%RMI praductbn volume vv8h no true-Up af bulldog.
'ivafe: The 8rst perfbrrnsncs psnod far 20r I rvr8 ce Jtpril fa Jcrne scares eppfrbd to April fa Arne Itrndrngc. Ths
second eerfarmance pen'od fbr 2ff I f tvf8 be July fa Dec»rober ccarae
fo tufy ta December fundings,
~
Ernpbyss must be employed by yVFHM ar sn aflifets an June 30 and December 31"lo be elfglble ta be
ccvtstdsred far Perfonnance
Bonus ss described belovr. If Employee is employed by VVFHM on ths
respec8vs dal»s abave bul nat covered by this Ptsn far the enlire pedannsnce period, rnplayss vval be considered
forihaperfarmancsscorecard
fadh ls Ih» Plan.
lf Employee
hss
s due.
Cus/amer I avnitv
Emplayrr;antstatuechsnyw
ptanprovlsionsssset
s commission credt
Scorned Bonus psy
Bonus athenvls
Bonusinacccrcencswththe
chattage (vs. hourly pay advances) on the 1lrst ar second performance
period, 'tyFHM rscsrvss the ttght la offset Rls shortage sgrunct ths psrfcsn"ance Scorecard
Scare Bonus
TIts customer I.oyat ty scare Banus la based an aa of ihe arsban ccs reccvved on ques uarta 4. 8. and 8 of the
custarnertayslty survey during tha perfcrmenca pedad as their personal production. If 50Vi or mars ot the
Employee's responses receive Sa an »8 three questions, than the Employee v88 be sf8Iibhr far s Customer I.ayslly
Scars Bonus. The Employee can alee qua iy far the Banus 8 ther scars an persancc pntduc fan is outperforrning
ths corrpsny average during 8» perfanrsncs period.
Psos 8 af 12
~
~
~'»
parf~
F~ ~ad
The Bonus is thme (3}bps an the
funded
drmr$ I the
padad.
shsN inckxfs purchase srul rsg vrxume, Caipcrsts ConnecNrxt vaktms, snd Home Equity leans snd lines af
Cf Sdg, Srokenad nut.loans srs sxtf~„snd Iasns refenedlo aihsr emproyaes
~
Srs~
~ons~
to s mbutraxn ccmnsauon level wrN be
tar sn sddrconsf three (3}bps bonus dudng Ihe
ihe msx
creds per krsn vill nol be stglbfs for sn sckssanst three
period. I.sana
bonus
during
lhs
performance period. Ttvs wN Incfuda kums schtsvmg ~ max comfraaaion credit when Ihe
(3}bpa
mactt@
snd pertormsncs scorecard bonus schievs the msx camml~n+ bonus credN in cambrnsson,
I.cans
sc~
performance
~akxr
Example
$ 1 5M lasn size st 53 bpa monthly commisiion creN = $9.%0.
$ 1.5 lean stxe St 9 bps ssmkennutN perfonnance scorecard bonus credit = $900
Monthly commtatson credit snd asrrs-annual bonus crstNI ~ $ 10,350 «t tctst
Tots i maX comrni asker + bonus Credit payout wid equal $ 10 000
The IFQ Score Bonus is based an sii af dar IFO tent scares Oncludes csnaalad snd denied loans} during ths
performance perkrd on (hair psrsanst praduaiarn. If BIW or mare Cf the Emptoyse's INes are scored in s "green
status, een the Employee wNI be eltgilrte for sn IFQ Scare Bonus during the performance penad on their personal
production. 0reen stslus shsN be commrxticsted in wriling by WF HM snd maybe rnadiked from Nrne ta Bme.
The Bonus 9 Ihree (3}bps on Nte Emfsoyse's funded vakxne tiur lag the performance pcdad. Idonthly tunded
vohane ahss include purchase snd refi vdume, Corporsle Cannactian vakane, snd Home Erpaty loans snd knaa of
creak, Brakered o4 loans sre excluded, and loans referred to other employees ere excluded,
laena trued~ ta S minimum samoa asian teual Witt ba Sbgtbte far Srl SddiNOnal three (3}bpa bOnuS dudng lhe
performance period. Loans achieving the msa convniaaion credit per loan wNI not bs elgibls for sn sddtgonst three
(3}bpa bonus during the psrfalmen cs Perod. This wgl intfude kxans achieving s max comrrNMkxt credit when the
mcmthiy cammiardon snd performance scorecard bonus schlevs ths msx conxniardon+ banus credd ln cambinalion.
Exsmpht:
$ 1BM lasn sits st 53 bps mcnNtty comrra asian crsdg u $9A50.
$ 1.5loan sixe st 5 bps semi-annual partormsrws acorecsnl bonus crs4t = $900
Morley commission credit snd aemtwnnusl cxxnmiaslen crsdN ar
Total msx Camnxsskxt + barents crsdd payout wtN squat $ 10,000
0.
$ 10,350 In total
Ovcraae end Vndaraaa.
1 Overage.
Overage ls defined ss Ihs amount ot rfkrcount end origins son fee paid et fundrng over ths discount snd orig%@dan
fee aulharixed by the Secondary Msrkesng Department st Nts Nms the test price on lhe loan is krakad in.
Empklyeee mey flat retauve S CammiSSOn, banua, Or alber Iieerdlve Credit baaed an the OVerage generated
psrhcular loan. This included tosna locked berars September 1, 2010.
On S
2. Underage.
Underage la defirted sa sny deBdt raaulsng from lhe dis'erence between tha company rnxhortzed discount snd
fes srxf Ihe discount snd arlglnsscn fee sctussycollatxed.
altgsuuioA
Emphases wrN nof be sub} act ia
generated on s psldcuhrr laen,
s commission, bonus, or other
inca ntkre creat ed}ustment baaed on Ihs underage
E. Cc mmiaatons snd Advance Calculate&n.
Hers Is an example af Nra atapa taker, ta oxnpanaats Ernplayaea on s monthly basis, This exsrppte iNuatratca only
how monthly camrrvaakrna sre handled snd does nol Irckahr bonuses ar other incentives.
~
~
Paautsr Haurtv pav
Employees wrs eam sn
paycheck The hourty rats
provided
Exsrnpkr: $ 12.06
$ 12.00 x 40 haunt
rata af psy for each hour vnxked. This wIN stew sa Ragucrr psy" on lhe Employee's
be sa eatatxiahad porn Nme la 1ma by the Emfxayer, in the ErrfNayer'a saic discretion,
equal or exceed 9;a mkdmum required by abtbt snd federal Isvr.
wiN
Nrat It ahoN ahvoya
rshr
a:
$180 pet
week of regular pay
Horne Btartsa pa CarsLd tars
2.
.
overtime Ptnr
Erntxoyses v»N eem 1.5x Ihe hourly rste ot p»y kx exch tnxrrhme haut worked. Thi» w6 show s»
s Employee'» psych»ck..
~
psy" on
Exempkx Eight (8) hour» averNrne
$ 12.00 x 1.5x 8» $ 144.00 per we ek af "av»rome psy"
3.
~e
att Comm t»starts
The IV»I 1X Ihe haurly rate af Pey earned far Sll hat»e Warturd and Cdhe I OS»I Nme t» en edve sac Sgtsn»t
ccxnrrN»txans, bonus»», end cxher Incentives. Ths sdrsxtxud 0.5x overtime prernkxti Is nat en sdvsncs.
40 hours regular+ eight (8) hours avarNme
$ 1200 x40 hours» $480 psr weekaf "rogtttsr
x 8»r $9&per week af »Irslght time O7 psy
$480» $96 ~ $576 edvenoa on camrnl»»ion», bonu»e», end other inc»nA»»
Ex»mptot
pxy'1200
Comrnt»»tons
Gm»» cnrrissians wtN be ceto»lated scconkng ia Ihe coma»'s»ton credil »checiuie end the loon» funded tn the
month. The sdvsnce wiN be subtrsclsd ta dstermee the net carnrni»»ians, tf the net comrrd»tdons are negative, that
dsgcN wlN be canted faIVrerd ss en sdvence »9»In»t gro»S Cammw»en in Ihe next month.
4
Examptrx $5,000 gross commissions far Inanlh
$ 1 920 regui»r pey for month ($480 x 4 week»)
$384»trsight Ume OT pay far month {$96 x 4 weaks)
$5,000 - $ t.92g - 5384 $2,896 comm t»»ton psysbl s
s
5.
Comrr»»»ion Overtime Psv
ErnfNoyees wgl skm be p ski en avergme premium on commissions. The nst cammisrions wNI be dvtdsd by latsl
hours for the month lo determine on haudy camel»sion rale. Emffaye»» wNI be pekf 0.6x that rate for sech overyrne
hour worked,
Exempkr". $2.696 commis»kxts peyebkt
. 'I92 tatsl his worked(4 weeks@48 hr» per week)
22 avsrhme hour» (& per week x 4 weeks)
$2,608 f 192 x 0.5 x 32 $224.67 ibr rrerdh
Monthlv Total:
81 Regular Psy: $ 1,920
B2 Overt»ns Psy. $575
S3 Conmi»»ion»; $2,898
94 OT Premium on Camrrf»»kxt»: $224.57
$5,415.87 tat»i rsanthly payment
ptee»e refer la the Teem N4»riher Handbook end FAQ document posted an Retax change centra) tar further detwts.
F, New Employee &tartan Options,
of Employer, one of Ihe»t»rt-up options below m»y bs »elected by the \" level
N Errxxayse Ic s new»mplayee
msrwger ~lh approval from the 2 lev»I men»ger. The optian»ei»ct»d wtN be in force iar s Nrrdtsd period af Nme
beginnir g wHh lhe Nrst dste of einfdayrnent. AN»tert~0 opbons rsquNo ep prov»i af the Regional Safe» Msneger snd
Sn eklen»tan may be grenled at the dhar»NOn Of the Regtanet Stse» Manager. Ekhar OpNOn, the guerardeed
sdver~ ar corrvrx»»ton»pNI, m»y bs reduced ar efminsted on s pra»pecsve assis st the»ots di»cr»gan of Bur
Employer. Any loans retN»tered eN»r Ihe sxpksllan ar terr»inrun of this Opthn sre»ubjecl ta the»tender d
ca rarnir»ian»chedukt »»I forth »bove.
1. Guar»ntoed
Corno»»don Advene»m»nt
oon rrx»»kxt edvenc»rn»rd in the kxrn of howty pey m»y be authorized for» Nrnilcd amount of tkne for
credrts sfe
new
e
Empt»e our~ Ihs Nfna Empxrfae Is r»ccfvtng ipux»ptosd ed v»noes, If the grass
Ie»» than the edv»nce», Ihe diffwsnce I» nal corded over i»ta ihe Iatowlng month s» requksd with nor tnel hourty
psy. Cuer»at»ed advene»» shaB typic»By be Nmkad ta Ihbtc n pey periods, et wtdch I»ne standard »omnia»»km
sdvwae prove»on» spplyper pten tenn»
A guereniaad
~an
~~
&ample:
~
~
~
~
IS Put orl
asrrfa }tvurr,
8 gualarrtead advance of $24 per
haul
NE~
C~ng
Sl hrrs on March 1
~
April
ef Ihs
has $3000 ln fyoss CO~crone an lMAS iundad in A/Larch, EmplbyaeWS receive Nut gusrantslKf
smersrL au. $1,820 par pay period essurrrlng ag hours per vraek er raugrfy $38@Din s typical mans,
Snd the remaining $840 rrafarenea Wif net be Carded uuar te afreet Cammkudena en April funding S.
lf Employee has $8,000 ln grass camrnkrabns an loans hrndcd in Aprk, Empbyae cl Ai recervs NI s guaranteed
advance amount, e.g $ 1,820 per pay petted assuming 40 hours per week er reugffy $3,840 in a lypicaf month,
and $1,180 ln nct cenvnfs arena
in May.
starung vr Msy, the advance ls no laager guaranteed snd. therefore. any ahanegss going krrvvanf betwson
grass commission and advances wiN bs cerned ever each mons unNI lksty recovered from commkrrriana,
bonuses, ar ether krcrvrtivaa unde. this Pkrn.
~
~on
earner!gags
Spat vpenRsgutrasenrFunrkng
Fer loan r sgislrsl!ens ubtakrad durtng Nre term of Ibis Optksr, the Empkryes's camrlfrslan rate shall be specillcd by
tha 1st tsvat manager on Empteyesb
A. aomrrusaicn credit at Ihe rate pacer'ed on the Attachment A
lean regisuadona obtakurd by Employee end accepted krto pracesrdng durkrg lhe month.
chaN ba given
An additional commission credN st Ihe rafa spectgsci cn lhs Attachment A shall ba given during lhe mcnth lhe tean
funda Irma Csee Shad aanVnkrabn Credit be gkran On Cradk~ Spppeagana. AN ban fypea that pay Outairfe Of the
standard Nanng structure are nat esgtble for ths Aegitrtratkrn/Funding
startup opuen.
2.
AN~
The fallowing ben f}pes ars sama, btrt nct aN, examples af loan types excluded fram this Open and commicsian
crerfrt shell bs given per standard Pan terms;
~
Watts Fargo ta Wcgs Fargo Ref}nance Loans
~
RekrkanshNr Product Loans
~
Watts Fargo Empkryee Loans
~
Referrals le Program Speciettsta (Prefer lo Refer) kvct&ing Corporale CcnnscQan and Prognun Connedian
s
Canceled Loans {If a lean cancels, the
cradd fmm ths sppgcstren wlN be adjustscf fram future
~saba
fundings)
Employee's asgSfkty for Ihu opaan ls condkioned on Employee continuing tn employment Nrraugh ths and of ths
lime perbd covered by the Gpuon. If Empbyae's smaloyrrsru ends far sny ressan tksfng lhe tenn of this Optian, sN
cemmtssiort credka shaN ba datarrrNnad par normal Plan Ierrrrs.
0.
Fee Co 8 ection. 8 is ths rsspeas Nasty et Ss Emplayss la cagact up-Nant Nrkd patty ta a a inc turkng, bul nol
ta, the appratrurt and credit report. Employee's commisakrn cra4I shaN be adjusted ta sccaurs fcr any
urea! krcted fees on canceled krsns (krckrtftrr 0 brckersd aul canceled loans), end denied bans unlace ths em pbyas
coaacts ai Issct $350 (higher in select oivaions and Rcgkrns) of eny Ihkd party fess awed an s given loan. If Iha
advances}
Empk;yes ceiiads el leasl $350 ln up-kent feea, Ihera wiN be ffO commis sran crerst sdgstment for any add kionst
uncrakrctcd fees an that particular loan.
Nrrutad
Secden V. PAYNEJVT ScffEDULZ
A Gsnsrat. subject te the ccvrvnkrsten
camnvcctans isss hourly pay
krndirtg of mertgags bans originated hy
scorecard sanua on penrenst praduckon
performance period.
racanctkacan process sel forth shove, net cammissbns {grass
shag be pod on Iha iasl pay perbd of each rnonlh based on the aclucl
Employee dudng Ihe previous mensr. Ths SamkAnnual Performance
chal be paid no later than 80 days fatbwing the end of Ihe semi-annual
8. Hcuflv f sv Is Fuilv Earnsti Ths fact sat hawty pay(Advancas Agskrs! camirÃsskfns} ls taken inlc sccaunl kt
calcu tsting nat canvrva slane/lncsntlves under thkl Plan ch8II rrot give Empldyer tha right ie recover any hardly pay
back kam any cmpbyce. Hourly pay is fusy vested when cerned snd is nol subject ta recapture by Empbycr under
sny ctrcumctanCCS.
e'er krcengves under Sts Plan, Q,s
Employee must be actively ernpkryed by Ways Fargo gvough the data
credit is granted and t rvaugh lhs
end ef Ihe applicable performance pedarr, unlace
kr this Hen or
expracshr
appose
tew. This ts sn express cenditkrn af esne ng Incacrrvarr under gus Pkrn, ii being cne purpose af this Plan io prevkfa
an IncecQva b the ErrTrbyce to r smafrr in empkrymsnt +ah Empkryar, This ccndiiian atua
Nre
Employee's engaktg Ieb rccpondblMcc wls respect to thtr
af Iasns enwrrlch ths Employee mey bs dygrbhr
lo receive cammkriiresFrncsnttvss.
As praAdcd b this Plan, sama cammkrafans and assr Incentives ara
wkan prkd, ar are subject ia sdfvcltnsrsc sRH Ilray ara paul when
or ether
these
hcsnttvua are advances af snscipaled wages and sre nel wages N,at ihe Employee has srunad, These advances
sre rrct earned ange after as adjurr trna nts provided far in this plan have been
e'~ Implemented, snd 0'w
ether terms and canrktbnc ef Ihe Plan have bean caNsNad.
C. When incentive Pavrnenta are Earned. Tc aam comirrtcuons, bonuses, ar
~a
~km
p~
r~dby
re~zes
ufo~
~,
~tc~s, be~, a~as
~ed
ps~
E~'s
A. wdhhoidino Texas Employer& shss deduct born eg
under Nve Pan sn srrcunt scsssary ta ssbsfy
federal, slats or local tsx withholding rsqukements. These aosgsocnsv4N be withheld born the
comperwsbon prkrr to payment.
B. Ma 6usrsntee of Emotavmont. Pergcipsban is gtkt Pion does nof conshhse s guaranies or conksct of
smff aym std wah WFHM, or psrbarpsyng employer. Such psrticipsban shsN fn na wsy interfere w'Ih eny ng Ms of
ar the terms snd
WFHM, or psrgcipodng smptoyor, to determine lhe derslkl of s psrvclpsnfs
shsN remain sn employs~it st sl! brass dunng Iha
candINcns Of such amp
Therefore, each
durstcn af emptcymsnt wsh Employer.
~.
~eni
E~
C. Plan Administration.
The Pion Administrator ie the EVP, Human Resources ks WFHM. Ths P ten Admintskstcr
to sdrrdntstor, Intorprol snd construe the tenne of lhe Plan, Ia stfsckstio the
purpose end spelt af the Plan. The plan Adlrsniskstor msy, st sny Nms, dtdsgots to other personnel such
recponsibitilias ss il considers to be eppraprkrte to Isctf tete Ihe deyM~ sdminislnstion af the Plan.
hes the
M cbsoedonsry
authority
termination
0,
Amendmsnt snd Tsfmhtstfon of the plan, The plan Adrrsrdskstor, wgh spprovst of iha Head ot wFHM, msy
emend, suspend or terminate Ihs Plan ot ony orna far any reason, wsh or wahaut Mice. Mo amendment,
susponstcm or tonhlnstlon of the plan shsN sdvorsdy affect Employee's commtctdonflncangve
poy Nomad imdof tha
af Ihs Plan.
PI so prior to ths stfective date af ths emandmenl, suspedan ar
E. Dispute ftesolut tan Process. Ths plan Ad&ntctrs tot hec lhs suthaaty to resolve ell issues snd cBcputss
rsmled ia ths Pfsn. If Employee bsSevss lhst his/her commisskmibonvs psy is incorrect, either by being overpaid or
undsrpskf, Employee must give written nalice af tat snor lo Ihs Plan Admkv'citator (or ks delegate i wahkt 50 days
shet EnTNoyee receives the carnmkrskrrtfbonus pey Erntdcyes believes to be incorrect. The notice shoukf inch@a
cslcuisbons or other rskrvsni Iscts supporting Ihs request fcr review. within 30 days, the pion Adrrsrdstrstor (or its
delegate} wIN rsvtsw the request io de harness If Ihere ls en errcr snd whether sn s djusim ant kt sppropdeie ta offset
he error. To lhe sxfsnl sn adjustment ls epplopdskt, ths adjustment will genersNy be made within 30 days follovring
are dstsfnsnetkul. AN dsosione by Ihe Plan Aclrninislretor wlN bs Nnsl, condvsIve end binding.
F. Attachment A, AN Attachment As sraaMne for eiectrorvc ussge snd sign aft. Fosow Instnrdions an Ihs
Atischmsru A websile for instructions snd fnrquentty asked quasaans fFAQ) The knk to lhs Allechmonl A's ku
htto.0bonusctwttmtsston.vrfhm.horriestead.wo
Nsfartto.ccrnfhaitto.as'he
Bonus Commisskst Accounting cuslamsr service no&or kc 515-2 I 3-2458.
}~~ml~i.
~~[@~~~8~~~~P~Wi%~M888--
~ P~8~
~8 ~
B
eavdIIy amrvr»aakwrcnwt»
E~fcr
hIrdsd leam for lhe
hakl
Ntnu Hire,
Transfer ln, OR
Pr atnot tan In
f57lproyee becomes 8 anhhpanr
aobaeauenf to Fust day of the
Ptas Ysed
~S ~
Transfer or Prarnatlan Oui
,
mph,
fwwuol
Pfan
(Ernfwoyss
part»dpapan due fa trna»far or
promohon lnla e nanehphm
poa»ton uIthvI Iahda Fsaga}
teretnadan af snfr»syrrshf. If. at
pre Ems af vorunrartr Sam«span,
leam member fc oftptwbihr
}
ass
Iosrs wNcn
fund UFsrsn awry
at~
loII
f88}
Employee Faraalna
tuwd» icavant ova Ptornsncs Scorecard Bones
util be swrswcled 88 gstlfft
ktrd scl loan
voamws ard coarse rscalvad through Ihs sttecdvs
data of lf w1dar cr pnwrcfbaa ol» of ~ poa»wwI
oau«ad by the Plan„asafact to Pion bursa.
~8
vFnh VVaga
Fargo far Ete ggrly gC) day pe»ad bgau»rg
lha tnmshw ar promotion.
camrraasian awdII kw
«»»ch toad g»ttsn 8»rty fK}
Ew mon»IIy
days agar tsar»nalian of amfdoyIasnl, or In
aoconlanoa vvsh atsas lew, No ccnwniaaion
cswwgt ahaf be asvwckd for losns vFNch lund
mare ttwn It»ay f30}days agar tbe dale af
tsrmlnsoan at employment
Nat obgItso fw Perform«co
coracanl Bonus d
Emt»ayoe ls nal smpbryed on Jsee 59 or
Decerobar Stu yI aooardIwxa wlh the plan tanna,
UF»aaa Employee Islirea tgsa 'fsadrarnanF
boknv.}
Vtslksrnerw'ssrnv.
Tertntnabon
Misconduct or cauaeInvoluntary
for
Faguie la theat mssnam alanabvda and
ngtulraInoid 8 dbqge4588 Employee fmm
sswI»ng campsrsadan under ggr plan. Na
mor»Ny commiauon crsdd ahdt be OFFanhd
for laena vd»ch kawf ln tha mar»h cf
~~
~
tanrdoadon.
Qualifying
Crea» ksvwa lha
g»f be
for gg}IB}
boded loan
volume snd »came twcetvvd camrosrwing
Inwnacsalaly upon tha attscbvs date at hwe.
ban»ter or promolicn yda an
~ub}act to Plan tenne.
days agar tnushw or PamotkwI out el 8
pcoilian covered by 8»r Pbwr, ar aI
w»th ands bnv, pmvkiad
8 hers
fEFFIP}oyae dfacanNgFoa Pfarr
penflcgseyon dua to vohat I sry
Raonwnanb
~~
Ebokle for mcn»IIy a«amia«an orrdlt
Egg»»e
b'aluntory Tertttlnattats
tar
Sa
pas»kws
lar
aI»»set lo pbwI towns.
Event Under
Salary Bontinusttan Poy
Plan
MOOBIty oonwstaalancIOFM wig bs
tar Iundsd laws based Fwl
thmugh Ba os»andar Iaoath that incbrdoa
erd af Employee'a nagca pena»
gws
Nat sdgIHO for P «farm snca Scoracsnl Sage 8
awa Employee N not cnw»aye 8 cn dune 30o or
BacenIhat M ln accantance vrsh 8Ia plane tents.
h
prorata chare oflhe Perfonnance Scorecard
Bonus v»8 ha aumntsd, If OFIy, hsaacl an aIE»»
acwwsa srd furggcgs gwougb the cakwwtor month
thd inokdas the and of Empiayae'a nodce period.
fgrnpbyse cfaoonl»IOas PIOFI
pardctparnwI chre to 8 Flue}Frying
aver» uortcr the yirF Ssfsry
Congnu»IIon Psy pfanin etfacf
Sr Iho bma ol the 8 IIanl}
088th or Rettremord-
Approved Leave
Ellgibts
fcw rrgwI»Ily
efgi58 hens
cornmbuuan
credit fcr
vrtdcb fund w»hin g»ny
T}0}
doya aller Employee ossa or Isfma-'o
camntlsdon cnggt abag be avrardad for
loans grach hsd more thsm Ihbly (50) days
anar CI8 date of death or rairrsmonL
Ps ymanl ndf be made lo Emptoyae, or
Ernptoyaa'a estate
Normal ocFIWIVaskwt crad», if «ny. pwr Plan
tdnI» wdt eon!baus chnng tha brave.
ved tor p}o ia rag der pay for tha
alsndsrd hears Emtiayso would have
vFUFkad It
warn Ig» uabIg tho PTCc
This amma» ia achencsd sgdrat 8IO
pef race
E~
corn~
oectf
Employee. Or Emf»oysa'8 estate, «d bs psd ~
pro-ala ah»Is at Ps Performance Scorecard
BonUa hsaad CFI Ihs acllrd paffonnwlcs gltaUgh
lha ard of ths calardsr marsh InwNch Employee
aura ar ratiIsa.
Efg»ahy for iha Psrlannence Scorecard Some
ba Favanfad, tl srry, baa8d an gcnrrs scales ard
tundwIgw during the
I»dad.
pa~
No mvect
ta lho pariamtwce Scorecard Bonus.
NFwmsf conwnbakwI
uvrwa writ aacfrgIa
I, 1 sty, par fnan
dIFwIg aponrvad pdd
Sais
wr»t
CW,
Forpurpacaa of Ihfc Ptag Re JI+lnerrl }8deFined 88 fhe Is!tran»finn of errtp}ayrrwsnt gff or rriach}rrg fhe'3 liar of gi
age SS wrth fg years OF aapdca, (w) 80 paint» fgrtfh ane pont cree}god far each completed ega year and ana pain/
alert»et} for each canIfye red }8ar of gorvrcaj or frrgag%l 55 with one coftplofod yoer of corvfce.
~ ~ ~~ ~
~
~, ftdsco~
For ptuposes of gris
or Cause means pj Employee's race+ of nofks of fe~watton by Errtpioyer
Fargo
srfsvrg from
f Employee's continued fsifrrre to subsfeniracy psribnn
s job rruses, ager nrcerpt of wnrren
"net(ca ftcvn Ernprrrrer of thb pertbrfnsitcs (series: 2)
coiritcbon of e crime
rffsrronasty or brat(cft
trust or money lsundenng,
Of S (stony, or commission of a crime cf any act that rnsrnrs
Sr a9gibre for era ptoyrnenf re(fr IVeA Fargo; 3) Era pfoyes'g violation of Ernpicyerb
fncrurgng, but nof ((mr)ed
's code cf Ethics and
to. rvefs
Informs ffon Sacurfry pobcy or contprlsnce snd Risc
Management Account sh'hfy Petr'cy; d viobtron cf statutory. roguio tory or any ether cornpfance raqsfrsrn ants
spptfcabfe to Ernpicyar1f business
5 8 braacfr of Ernptoyse s
rtgrs ament or Trade secrets
AgflNYAsnt Isfh
end ag erfvfn)sand shachrnents thanrro; snd/or 8) broidering loans outside of Errrptcyer or
ons of its at)(pares srrfnorrt Employer's Jrnowrerrge and approve(
j
~s's
in~
~ss
~s; j
j
Ernpkr~
~
gamrntsstons snd at(t(tLnges durfna short Term Dlssbrlihr(sfDE Employees sra snginta lo psnidpsts in tha
Wet(S Ferga 8 Company Shet( Tenn Oicabttrty Ran {Ihe "STD Rang Detailed STD Plan irdnrmallcn te aVSttabt S in
lhe Benslfts Sons for waifs Fargo foam
or by cstfing jasvs Management ai lhs HR service center, 877HRNE(.Ls (1-Sly&19-3552). Employee must use PTD lo cowt ths sTD plan's ssven~ ~ing period. Psy
received by Errptoyas tot this PTDvntt bs advanced sgaklet monthly commtsAÃls
For tha psrtod
httows:
~
~
~
~
irl vvhich
Employee receives bansfds one(sr tna sTD plan, monthly
ss
If Elnptoyae wwe vrorkjng
commission
erode vdt continue
ss
Total monthly oornniission credit rn(nus
total monthly standsrrt or gueranteecl advrtnca rnbttrs
sny intel monthly advance deficits
sr(usta commissions psystN
Then setrsrststy, sn added STD benetlt payment
Tha excess {ifany) nst cornrntsston credit kl pakt to Sa Embtoyea, in hn casa shae the employee be pakt toss 81arl
the ccfcvtotad STD bencfa tsvst each month vrhga on Approved baavo.
Evarnnta
- J~marv
Funrftnns- Fmclevee tares on Annrcvsd
Total Gross CornrntsrJons =
hourly pay advance e
monthly advance denck -"
cornrn'scions psynbts o
lnonlhly sTD bsnettt ~
To(st
Totst
Totst
Total
TOtet mcnthly COrnpancaliOn
Evarnnls
- Fsbrgsrv
save mid.lncnth
$5%0
4080 (psrfkd mor th)
$0
skeet
58.0S0
S(Q23 {psrgal STD benefit(or ths month}
$55}83 ftolsl nat comn1ia sion Snd STD ben rdrt)
(~t
e
'Based upcn covered pay of the
t
maximum
sos~)
$50000benelts bess for STD benrrft
F end(no s -Errotoves ls on leam for the
full
mcrnh:
Commission Credit =
52,000
$0 (no sork performed)
$0
commissions payable~
$2.000 (comm(sr'ens lsss advance)
Tots! monthly STD bene(it ~
83,8( 8'futt lnorvh of STD bsnset}
Total ssmsd inorehty compensation = 552(SS (tote( nat
and STD benet)
Total
Total
Total
Total
rnonthty advance
=
monthly advance dagcit =
saved upon covered pay cf lha
~s~
mtnrklvjrn
M0,000 ban afks base for STD benefit
"
'f
Wega Fargo Home Mortgage
Plan for
Hortte jttjortgage Coftsctjtftttt
29M jftcertthfe
~~
Corri~on
~
.
~s
}
consu Nants (the "Ran tt
The yifslls Fargo Home Mortgage krcdntivs compensation Piss far Home
snd rswsnl your canbNrvbans end Irdrrtbras ths hood to meet lhs Itctt snd campli sacs
ta
to pravkNAQ the best passible uustarner
saalsusbady requirements af yow pasrran. WFteh is
sxpen'once. As sn jtMC end psrdcipsnt In Ihs ptsn, yott srs expected to counsel bormwsrs an product apgans,
&ducats barrarvws an Nte tasA Ivcrcess. srtd provide Nrnsty end saaurals carnlnuntcagon throuQhaut process. You
WNI be rsvtsrdsd for OAQIASNAQ fllgh quaked loaAs end Nnes that meet Wsss Fargo Qvktssnss snd fsgulssoty
rsqulrsrnsnta Sou fCS delivering the heel passible custarnar SxpartaACe.
.
Horne
Far purposes of fhfs Plan, Wars Fargo Home Mortgage shell bs referred lo ss WFHM'r "Employer
ktartgege Caruruttsrrt shah be rsrsasct ta ss "HMC ar Ernprayrrs". Wsss Fwga 4 Company shss be referred to as
'Wells
Fertfo,'hs
Ran Is stfscttvs fcr hans that have funded Jsnrwry 1, Qof 2 ~ rrd slier (ths CNecove Dots"}. fhs terms end
of the Plan sre avb}sct io psrtadio revlsW Snd msy be adjusted by WFHhf. (See Amendment Nnd
of fhs Plan'n gscgon Vf D.}
caruNNanc
Tenntnsgon
The plan ls subject to chariots st eny
This plan rogscts wFHM's expectabons af the rrtortgsgo-kstcrng envitarunerrt
Nme st Nrs Qrnplayer's sole dl scrstbn. WFHM wtr canrrsrs lo monitor nrsrkst candc tons snd may modify any af lhe
provisions af tha Plan,
Qsagan N.
EUOlBIUA'ssm
Members al'WFHM, s divudon of Wage Fargo BNAA„MA, ot of s psrrcfpstlrig smpkrysr', cfossidsd es
corn
Bepkrysss vrkhtn Hodanat Consumer Lsrugng ore sgty'ble la panklpote in th's Plan. Cther loom members sre
erg NNe to psrtktpsts only st the dlscrsbon of the Barcurv» tdae pre&dent. Itshdl Ivatkrrurt sstes Manager, or other
designated rsprsssnolgvs
To be etlgtbkr for cwnpesss dart under Nre Rsn, you must ssgsfy lrdntrncan stsndwds snd requirements ss sst forth
in the Rsn. AddNtorudly, yau must sdhsrs to Hreys psrga c cocle a/Erhrbs srrd frtrsdrerts conduct, wsas Fargo's
srnplayrnsnt pctklss, snd lhs camprsnas encl risk management sccauntsbtrty raquivtrrruvcs for your pasINan,
inctursrff, but nat krnltsd to, corrptutnce vrrth NN pokokrs, Leva, rukrs, ond rsgutssans spprcsbto Ia wFHM bursas
scgvtges ss s canrNNan precedent lo earring carnpensatlon under tre PlsrL Failure to tneet grace minimum
standards snd Isquirerrrsnts WIII durqustdy yau from earning ccrrnpcrosNari under Ihs Pkrn (ussr SS Outurvrtse
detsrodned by WFHM} encl rosy rosuN In arradive scharr, Including, btN Aat NmBsd ta, immediate taimbtsttan of
please rrrfsr to Nra rrrrhaak Itrr Irwufs Fargo yearn ffumbsrs far lnfarrnssan sbaul wars Fargo's
srnpkrymsnt.
omptayrnsnt patlcer, the Cade af FNrics snd ttusinsss conduct, snd ths Carnpdonas snd Risk Msnsgsrrrent
Accarsrtstrsky PANcy.
Camp rsrce wgh Laws encl avsrrnsrco
Ths dot turrrnodon snd psymsnl of sny IACsnsvs
a+
ad to lha aoncN liana sruf
comps nasgon under lhs Rsn hr,
ssrtrictinns err peared undw sppkosble knvs, rules encl ~uhtiantr. A Pwt& pants lights to ar loastpt of
pensstkr n under Nur Pion may bs tensed, rrracfitted, crecslteef or recovered io ensure canrps ance whh sN such
spplicsbls lese, rules, rsgutst tons arrd Qukf ance thol may be tvsusd theta under. In sdrykm, ths Plan Administrator
sndrar WFHM (subject la ths sudrarby af Ihs Hurt'1 A ftasccsces Casrtntgse af Wells Fsrgcrs Sasrrf af Duectars (lhe
hes Nrs tutt drscnrsansry avthanty lo sdfust or emend s parsdpant's Acanave appartunhy ar Incsnyvs
psyaul uACkr the Plan st any Nrns
"H~}
~ce
Aparucipsnrs Incendvs apportunay under Nur pion may be adjusted ar dsrvsd, rsgsnpsss al rnsekng
rnasstsac, far unssdctsctary
or nan carrqdisrcs rvkh Or vs sdan at Wars &srga's
Code of Eitfas snd Burnout Conduct;
2.
~Nan
8~
pcrtcy, sndktr
Carapttsnce snd fttck Management AcaNsttsbtrty
~
~ ~
A psrrcbsdrvf
Patio.
~
~,
rrctcyvr rhstvrc srry subcl4cry orjcfru vesture pcttrsr af vfsrc Frrsa Hcvrra Ltcrtovge, s cdvtckrn cf vrsrc Fsrsa
tn tho phd, cusjvct ta Nrs
cf vrvttr Fhrtp tuvrur
Far purpavev uf NV4r pen,
such ssrocprrtng evifatera,
8srtk, IIA, that surete ta
la 'Enrparsr
(614tf2012}
p~~
Psos1 al tg
Hrvre
~
Ca~
w~ d~
....under
~
~
tfon thereof,
awards under SN pten msy be paid In the focw of cash or equhy, or s
WI or a poruon ot an sward wSI b» petd ln aqutty, ON squfcy sward wII bs rnsds
awscda
sra
TICP
CompansauonPten (ths
). I
gut Wells Fsrgo 5c Company I ong Term
condtoonect upon sncf subject lo oce spprovsl of the &Second are sub)sec to suctc terms snd ooncfttfons es spproM
by 9N Hftc tn accordance vath oN plovers of the I.TIcp ss re5scbsd in lhs appli csbuc award agreement,
bccen5ve oompencetion
bt
To th» ostent
"Lid
EnTuoyes's local oornpensstcon stw lt ba oocnprtsod solely of (s) houdy pey (Advances on
corrvntsstons), (b) cowrrfsstons. bonuses and other tncNnt was earned, 5 sny, per Rsn tenne, ln osocss of
~fvencass, and {o)ovar5me prswtums for overttms hours vcortcsd In accordance with applicable law.
A. ttoneret,
For sl Pbrn ptovtctons, 9 basis poba
(1 bp 0,0001 Or QA31% j.
~
ss ona
shag ba defsted
onehundrscfth
ot ona percent
provxfsd Employee sstts5as s5 cond0ons and minsncsn requirements as set forth In ths plan,and subject to a5 plan
tarnN, commission credg vrf5 ba grsrdsd on lhe leal dsy og for ths month In which the loss sctuaIy funds (I e.
cgsbursament of fttnds to ths ctosingfsst5amant agent). Funded tosnswi5 ba reported ln dottars and un5s on ths
Actual versus Ran (Avp) branch Prof5 and Loss (PSI.) slotsmenl.
Employee ccII bs pstd hourly fcr sll hours worxad st ous hasty rats of psy sstsbtshsd by wpttht from ttm» lo time.
For purposes of Ibis ptsn, sfl hourly pay anci otfurr psuf Qrna (sg psuf Time Off, paid ttotdaya} le an advance
against monthly oomcntsstons snd Performance Scottsosrd genuses, snd stso against eg tnoentivcss that Erpptoyes Is
otnalvrtsa sllgAls to aaltl under lhls pxr n unless otharwls a spe eiNcstty prov@lad in ON Employee's Attscfxrumt A for
spacifio
As such, Employee's houdy pay snd assr pskt ime Is referred to ss Advsnoss on
cocnw Scalene, snd cmfess ottNrwfss spsoaicathf provtdecf in tha Employee's
A, EmptoycN wta sem
conxnlsstons and other Incentives under lhls plan only to the extent lhe gross sawed incentive amounts exceed the
houcly psy tha Employee has earned. The 0.5x vvsrtcvcr prsmhsn tffFHM pays Empxryss on hovcty psy, however, ls
sot becusd sa an 4A8AM under ON Plscl, end 1ncan5ves's used 4 tha Pfen doss nol refer Io hourly psy,
Icctuding ovsr5ms.
~,
A~
As Used In this Pion, 'hcentive'efers
Employee is a5glbls under this Rtat.
s.
standard Commission
to at( oorrmissions, bonuses and other btocmtfvs payments for which Iha
Schedule
Commhslon rafa ot psy under this Plan bc determined by the tspa of rscudsn5st mortgage snd Iha monthly fundocf
"
volume (dottocs "$ or cmasj of rastdanttst mortgage bustnass saccrrsct by Employee. cowwfsston orecbt shaft be
based cn tha fo5ovdng slsncfsnf oammisston schedcjts, ac+}act lo any modlIca5ons sat out st Attachment A hsralo,
whkh ls nccvpcsatsdby reference, snd which msy be swancfsd or modiaed by Em ptoysr st any 5me.
1.
Standard Commission Schedule
The standard Commlsafon Schedule cfstsnntnes lhe occtvrfcston rats boxed on Iha Employee's mordhly fUnded snd
refaneddotucr vctume 9Nthxutsgt tunctecf snd ncfarrad urvts that fund, whlchem is greeter. Ths hfaherrsie
derived bom ON schedUls psr Lsrits Q,dotsf voiurcla appfe%.
The cocnmtssion rais is applied Io ON funded toen dotter VO4rns to datsnnbN Occnnf Scion orscIt
'~~~~$
f~
) I"I ) cljt58f .R .ISSgnISLrfttcdl5; I:
+(Sf.W,a .4ft+g&j}f'.O'.0&'.IFWg~P5e a"
I '55 '~T)n%. R, I r
Y
55r Ilk'-'W 55
9'O'NN-NN'8
Ã'Itr I I %'4'c% R:.0'%.%'-'%I;.%~'g
05 IS
1-8
7-0
10- 12
I3 end
I %'% @'%%5 ftl
$0 $ttwt,999
'0QO,QQQ - $ 1PQQ,999
5 1,4QQ,QQQ- $1,509,999
~~
above
j
$ 1.9QQ.QQQ snd shove
Tb see standard
roles apply unfess
cfoecr Ised botovr ctuc5 be according lo ths
{014ff2612)
55
SN
43
%6lgc%dgk'rgti I'r.'%)j(fs)5 55
% '%IS'%.
55
8
~
St
0$
'
)
I
55
%'SI
yt
40
'
8
64
84
80
rate sppf as. Commtssusn rate for any loan types
be bnv in Seu ol uvs Stoncfcvd Comrnuw ton Schedule.
9 different,
p~ons
II 55
%%~
~
~
cammisskm rais;
For p«rposes of detannlrttng tha purchase snd
~
vrFtoJI to wFHMratrnascad roen carTTrntsrda/T rsttst ere 8 flat 43 bpa.
referred) shag be kududcd in nionthry funded
{6)vermeer unAhr.
paroatto bagats
loans shellac aactudad from mantrity tundad doser
~
Bras«red aut Teens (tundedend retsrradj, snd
($) valuate ar units.
~
Rstatrrsa ta praoiani apecttdtata gnduding Corporate Cannacyan) shel b» kictudsd in Ihe monthly f«ndad doter
($) volume ar units. Referrals ta ProtPTtm sPadeNsta Count fcr ccmmtaaton crtrtftt tterkig an Personal
transactions. Retsnat datisr ($) Trot«me and Txiits count in oie monlh lhst dia rsfsnet funda with the program
spear«fat.
W868 Fargo Horne Erpdty loans and tnas of credit (ttsidad snd rehirrsd) ahaN be Inckided in $ volume tat«Is
baaed on the births ullrtxad balance
a
AN W868 Fargo Home ETI«Ny taens hstdad end rstttrred in fhe first position. Shag be NTCtuded tn monthly funded
unit hANs. AN CNTar WsNs Fargo Home Equity loans snd tkTSS Of sredN (funded and referred) shaN ba sxckidcd
from unN totals. COTTSTThsian rates on These loan types ere descrNTad below.
~
All WaNa Fargo Bank rslsnsl loans that fund shsN tunis a coinr14ssktn rate af 8 Nst 43 bps.
Eaans transferred fram At/8 to f«nd wNh WFHM wiN /claw tha internal commission creTQ nde af 8 flat 43 bps.
~
Mirdmtxn commtaakxt ciarg I pat lasn of%700. Excttxkng oadeln fcfinencas wtoitn aix {6)TTToniha ss described
~erxf
~0an
bekrw.
MadmAn ccrranisskn cradN per
Commis«tan
"«"NN
)oat of $ 10,000.
ETTsmptsai
4l '" L":%T%'%' Q" %:N.r Rv'% O'".I':.R
Unka
'at«TTIS 6
{NTS'/«tunis $
$5i)0,0T30
2
0
$ 1,000,000
2
3
$200.0M
%1.900.000
6
$250,000
$260,000
$500,IQI
2
$300.0CO
10
X. Rett fiances wlNn
skt
4NIff'kX.e.'.I:~a .'~ f.-aZi:"X iN."RaÃ,.I+ Me
MN'e: a Irk~{„".N.",.4"+PA:g: gujjIN ) a.3ijt".%W
NI'o"to'N'
~'asc~~ %«oi '~ Tst~w, 2'x&."'&«fo'Itt'istcstrs&
vctiirris
Usita
2,
6,
2
I
3
$260,000
$2te,tXN
$500 OCO
5302NO
48 bps
48 baa
63 Cpa
63 bpa
63 bps
63 bps
tta bps
63 bpa
43 baa
43bpa
43 bpa
43
bps,
$4.676
SN.IOO
~660
$16.T50
(6) months.
Employee vnl not ba eggibts far continlssian credit an the refinance of en existing WFHMlaan that orfginaNy tundad
taas ihsn three (3) months pricr to the Tet!nance hrndkTO date. commission rate on 8 raNnenca ot sn adallng wFHM
taen that ottgktetty funded tour (4) lo six (6) melba prior ta the rsfktsnce fundktg dele ahsNbe no creator than 26
bps atlhe tundsd I«an Trah«TT«. Tha minimum commkialan credit per loall Is Tlat applicable ta rssnsnoes wrlhin six
(Oi months.
par~
3. R«Oneness wkhin skt (0) months with s lasnhaTAng 8
penahy
Employee woi nct be afigitha for cortxTsasian ctaTNI on Ihe retinsnce of an exlsivg wF HM loan that anginaNy funded
lass t harl six (0) months txror la ths ragsencs hinds'ais with 8rl/ kan ar Ihe cf cf sdN hsvkig ~ prepay penshy.
4. Specialty
~
*
Rahrtanca Rates
HARp Three (3) step reNnanced loan anTTni'aston credit rates arTT par Ihs stand anl commission schedule.
WFHM tasn af 8 FnsckNa Meats Frsddkt Msc ReNef RsNTTenca Mortgage rcNnancad Icon commission crarfN
tates ars psr the standard commission «chert«br wF HM kan of 8 Freddie Mac la Fr«delis Mec Raltef Refinance
Mcrtoagst Three (3) Slap Express relnencad toan costmhtdon credit rates are psr the standard commission
Sahairute
Trad rdanrrlThrae (3) step Express rattnanced taen corrxrtisalen credit rates era 8 fist 43 bps. {wFHM to wFHM
rafstancs)
Trsd5onst Thme (3) Btsp Rate/Tenn R86 refinanced tean commission crsd4 roles ai a 8 Nst 43 bps. (wpto4 la
rsNnsnce)
Trad@anat Three (3) step ceah Out RsN rsknancad lean cornrnaaion credit rstsa sr» 81st 43 bps. (wFHI4 ta
Vr FHM refirusice )
wFtod taan ate Fannie Mss lo Fsnrda llAse Reo plus monancad kuin carrimraakin credit rstaa ars per tte
standard camirxaatcn sd4rdukr
WFHM loan of 8 Farm«i Msa to Fsnrihr Mee DU Raft Plus rahnenced iasn commlaacn crerOt Tates sr« par NTe
Nsrtdard cc nrritaalan schedule
Man WFHM kent«T cf 8 Fsnnll ~ Msa te Fannie Mse {)VRsN pcs rsensnced laeri OITITTTTTT«kxr creed rates sia per
the staridard ooiirrirastan Scherruia
WFHTA
~
~
a
~
O. Hcn44inhrtnkTO
cornnita AÃi crsdN rats
Bst
cn ~TCTTTTing Loans tundsd by Empxtyae
atitdt krrrcw the xi aitdard aorrxnhston
y. Qpsshd
.
Housing
~
(Iand I.aensj.
pr~
aw snreuncsd by w FHM's
rate on spocbt HaurJng programs snd other cpa«yet wFHNI
sand programs, etc) chal be per khs standard
(Fadora/, sbde«w
Secondary kkancsdngkkwlxak/rwwd
schaduhr. There ls no commission crecNI an lhe second mortgage ol s GAP porgan of a Sand Loan under $2500Q
/n Iosn size.
carnnkMwon
c+
~sske--
schcwkwa.
Commis@fan credit rats an Horne EquNy leans II/ndad by Employee shsN fcfhw Ihs standard commission
fkafkuecs ccwrwnlsaton rate to Ndknw standard WFHkk Io WF Hkk tormen«e sahsdu/s. A mhlmum acmmkuuan ore«it
second
psr Home F quity loan af $700. Tharrknimcwn apples In kckat hw $700 fcr «ornbww/Qan ot a tbwk and/ar
Horne Equity loan snd Nns af cradN.
s
fhe falhwlng tenne apply to Hams Equly Nnes of crsdN, trdu«fng purchase money, rats/twwtn relnancos, snd cash
out telnsncss an Home Equity Nnss of crscNI, inducgng Hams Asset N/wr urgemenl Ac««nets.
~}on
Carnmjss/on crscll cnwtihrb/Nh'd rates
credit rska
Emfwayse wrIN be i@gibls to rscah/s cwwnwrkswlen cracNt Nr Horne Equgy Lines af creoL The
an Standalone Hams Equly Uncs of Crsdg and Sino Hams Equity Lees af Credit is lhs standard camndcshwn
~chsdute sw«opt thsk the commbshwt credit tale an lsgnsnce ls tha same ss Ihs VlFHM to WFHM /eftnsnce
schaduhr.
Ernptayoe wg nol bs algibla fcw ccwnrn/swfon crecNI an mackficalfens, suker6ns/tees, equity tirws lo employees af
Weks Fargo IL Company, and rafmsnaes af ewlsNng Itnss at crabs within one year af lhs ortglnsf funding dale. If ths
amount af the rennsnasa Nns is plaster than the artginal s/nount, than commbsion credit shall be gtwen an the
In«cemental amount only.
Ewnmstsd snd final commILdcn crsdns
An wwwst, essmatsd comm/salon ere«st
wiN be gfonrsd when Nwr Hams Equgy Ltno bt cra«NI funds. This ostinato wtk
belsncs only (Ihwk la. Ihe srrounf lhs'orroursr nrceh/as sl cdo wing), 'cwnmtsstons paid
an these asNmstes era tentsiiwe and nat asmscl. Tha Nnal ccwnmiwsion cweckt w/ki be based upon the fakk utNL«ed
begin«a an Ne Hone Equgy I/ns af Credit. The Nnol uNNzsd bolonc@(ftr Purposes of cnrwnisaoit credit} shak be
dstsmknsd based an the ending bairn«a of tns bk&g «yclw st Ihe snd of the «hid manlh. If the change ls an
Increase aquaf to or greater than $5000, than an upwnwd ccwrwnlswhm crocNI adjuskmcnt shaN be gh/en based an the
antis smocwn of ths wtcrswss. It the ahsnge ls s dac/esse greater Ihon ar equal to $5,000. than Ihs ssgrnstad
cammtwshrn «recit chal bs adjusted downward by the anlm wmounl af tha aecraewa. Any utkkzsd balance change
Ihkk ls not et least $5 090 cw greater does nat \riggar s change ln ths cornny salon crcdN.
be bnwwd an Iha
InNhk vNN2ad
r~
The minimum oamniwwirn cradll an any Nns of crscgt /s $50 repwdlecs of utkhed smaunL Iba minknum
Commhraton «wade an S Fur«ha%a QBla Horns Equ/ty Line Of Credg IS $ 20Q
af uNNZad SmaunL
Ewnznle of increase:
"WNo/INnltfti«fit
Irslst Transaction
(commission crsda
$ 1,000,000
advance)
Three month rawhnw
(thai commnrwicn
crsdl catcutwlan}
$ 1 INk0,000
'
'Bn/Bh«NF'
NT50,000
$900,000
'
.~'tkhinThiydtakm
5750k}GQ @ 43 bPs
w
m
'900,000 x 4$ bps a $4,320
($ 1,005 dttfenrnca j
To&
Pwtrw
4 ef 12
~~
$3925,
E~
of Decree&a;
EviPI
trdbrd
.
Ttwaacgrxo
-
Crlrnm~kc rE
$0PK,OGO
5TOOPQ
4TB0000&4326r& ~ 43p25
6 1,000,000
6600,000
4600.000- 5960,000 a
4250,000 x 43 bps =
(cornmts& ton crarat
cd~
Throe mongr rexhsw
tttnrd
'rxxgt
- P,075
32. 1 50
c&fcutagoa)
Total
g. Waas Fargo Employee Loans
conxrrl&sbn rats for k»r» odglneted by Empkrfae tor employees of wols Fargo antgfe&, brckrding wFHNIL &hei be'o Ibt
35ba&l& pobrtsot the tundad loon rotuee. Employe&a cxar atgt ba diradod to ths HQ4 Team 500 phono number. There
la a Nal 10 bp& pmfar to mr&r oommlsakrn aedlt krr loans ref&nod grat frxrd Nuough u» Hoh% Teem 800 phone number.
No Nrrgror commb&tcn rote oreustriisnt fbr wFHM to wF HM oofbrenr» loons. No further cornrn& Ion rate aguatment Ibr
W&N& Fargo Bank k»n referral &.
Employees must refer
ortglnal&
34tap
10. Plarr&ero
Employee Loan& to tho HoME Toom hr loon hrnrgnge. If tha Employee doe & attempt to
k»ns, Il»n N»raw&I be no oorrxnr&&bn credh on Inc&a IUndinys.
$4top
Errqrloyaa
As&or 0&nrice&
Lost».
ConmJsshn Iota for burr» ortgb»tsd by Employee and derhtod
par Nre standard oomml &&lan ared h &cheduta.
bream
rat&tel& Ircm Premhrra Asset S&rvk»e shall be
t t. Construcgcn Loan Expras& gUQ Loar»
ot tha con&uuodon k»rr ck»o ahal be ~ tlat 29 bpL No
Ger&mix&ton rata
urdt crorgt
at ccnsbucgon dose.
Carr&Iris&ton crorgt ot 0» perm&bent k»n Itxrdlng shaN be secor drng to Ihe standard cornrrx&&hn scharhfe f«r that
producL brea any corhmta&laa crbdit gbran al consbucttoii hon ck»krg.
12. Build« Lorara
Employ&co sm roqutrad bx cog&et Ihe Balder Baal fbe wfiNn 36 days of the tnhtrf kck date, vkrlagon of the foa
ccaodk» pogcy coukf I«&VII In pa oornance counaotbrtL an blforrnal or forrnal warning, andlor loss of tha rfght to
otgburte loans under lhe Builder Beet Program
Bugdor Loans with Exhsrdad Locks:
Empt&yeso ora roqvbod kr cog&et tha Extended Lock fao wIINn 35 days of Iho Int5el hack dale, xtot&gon of the laa
ccdscdon palky orxdd la&uk ln perlomumca coun&ra lng, an brfonnal or formal waning, sndk» Is&a of Ihe right to
ortgb»la loons under tbo Exlandod lock opbons.
13. Spedal
hhrrkeang
Pnrgron» and Sped&I Addondrxr».
srd product & and unique
Carrrrxt &alen rata far &Pedal loans,
~ppfcabhr
~~It
~tend
era ngen»rrt&
Shall bo &at fcrth
GUS&linea
h the .
tq. A&cwnpgona and Bridge Loans,
No porgdp&Uon by Employee except a & sat forth br appg cable Program Ouktslb» x.
15. Accomrnodagcn Loan&.
by Ernf&oyae urf s& & the loan conte& out cf arxxxnrnodsccn sbrtua within 00 days of k»n funcang.
Commhaon cr&CNI wg nol be given unbl the loon comas out of accommbdsbon status urdax& apprcW&d by tha
ft&gkx»t Sale& bien&ger.
No parltdpagon
te.
~go~i
Upon vrdunlory raquar& tram Employs&. and &ubjed to wFHhf& ccncanL WFHM rr»y ehrct to hiri a Mottgoge
A&sort&to Io ml&I Enrfrrryrra wah arrcurtng ro&snqat rncrtg&ga buf nax&. In such e caco, Ernpkryoe &has no
bs elgqdo fcr commission& under Iha commix&lan «adX &Oh&dura heroin. but instead wlf be &Nglblo for
canxnl &&km credi und«ono of 2» Nrmo &ch&dul&& &et forth on Iha currant Adochraont 8, Comp&a&agon Ran
Amondmonl for Home Mortgage A&&ochbr, alt&chad her&br and cooperated by rot«ence, e& It rosy bo amended or
morÃlad by Errqrloyar born Nma to Ifrne. The applicable &chackda &hoN be &at forth on
Aqechnr&nt A
'agar
E~'s
fOIINIttat2)
P&N&
$ &f I2
~~
~~
~
In edCIQcn, Employee may votuntarqy choose to apet or ahura s poruon of nlaiher comrnisaurn credit with sn
snd Elnpioyee agree to vcuuruaray share dudsa and spth
Ascorfats. To fhe echult that e Mortgage
aha5 be rudcuhrtect under the Emfuoytar's...,
th»rsrdrdytcc esca of adrayl~ntheocrqndcrdret
shsa ha
convria»on
ahura
vftocsted
to tha Mortgage
aa a tvra
ID
e»
number, and
Employee
55a accounbng rnestod, sny ocrqndauona nomad
colnrtyaclen reporL
rtcln adtuabnant oft fha
by Iha Mortgage Assoc}ata ss s rsvuri of Iha convnsvion split a ha Ihe Mortgage Acsodsta'a own esrrfngs and ths
fcr a5 payrott «rvf Incorqs ta»» on Qu»a amounts. To be sgecave, any voluntsrsy
Acsochrts ahs5 ba
sgreemant lo afaa commlsshu» behveen sn Enquoyee and Mortgage Assorts must be memoltahzed bt
Auachmarrt A for the Brrqaoyss end dur Componssson plan for the Mortgage Associate.
E~'s
re~
~a
fy. Prefer to Refer.
cornrqischrn credh on any 'knur referred by Eqqtoyee to enrrpar HMc or a program cpecfkllcL of orl sny loan funded
by Emfaoyee and derived from s refute hom enott»r HMC cr a program spechrlhrf, shaft ba granted br accordant»
with the Refer to Rater Conqral»agon Pbrn Addendum sgachod haralo and incorporatsct by reference, sa It msy ba
emended or mcdigad by graptayel from Qme io tbss.
18. Cornrntsslan Sharing f Corenhafon Bptds.
case Where Employee sgrsaa to share or spit oonvrf eaton rvorfd on sny loan vrlth ona or mars ctlgltde
arnpaqu»r, total commission credq to sa employees on 5»t foun csn exceed ter comrqhcton schedule set forlh
herein. Any commission char trrg 1 split csn sra»ad tha rnsv corvntcchrn level in total. Msu carom»sion apIII to the
rafardng tap la 54,600. Max cornnisaton spat Io the cfrvgr 5 rap ls $%,000.
In eny
E»rrnple;
53M Loss Sze
~
Rafentng Rap: 83M c 25 hpa prefer to Refer a Qy,600. Referral cornpancagon capped st $4,000,
Funrsng Rsp: 83M x 38 bpa {53bps standard Qering -25 bpa Prefer to Refer) ~ Qt t 400. Funding
cornponaatron capped et 50,000.
tg. Rsconc3'ar5on for Earty Paymaid Defauda.
Earning corraniaafons or ofhre Nconbvea cn e foun ia subject tu the condithn Oat the loan must not suffer an early
payment dsfar5 {KPD), sa dstarrrvnsd by a cirr {8)month reviser. EPG ic rhdlned ee a bonowsr nasty days
ds5nquara vrlthbr ger grat six (0) months ot payments cornhg dure It Iha loan is an EPD, 5»n the commhaton credit
on4naly granted vrIQ bs srguated downvrard by the angra amount of the cornrniaakut rata of pay on that pargcuhrr
tosn, eucfudfng EPD loans vrlth 'l)fe avenbr'. This means that the comeiacion credit wyt be adjusted downward to
xsro bps for Ihe cornrnerrfonrsta ot pay oh that partlcuhrr ban.
C, Personal Producdon Perfonnance Bcovacsrd Bonus
The Performance Bcoreclud Bonus wt5 corudst ol hvo ohfocuvac: Customer Loyalty Scores asd tnqbrl Ftte Chkalgy
{IFQ) Ragng Bcoras oh p»const Pruduchon. The Performance Scorecard wN bs pard on Bern)Annual acorsa on
ps)tuqt» producgon voiurqe vrghno tiuo4rp or ttue4fuaTt, The performance pcttoda ars January 1"through June
30 snd Aay1 through Dscsmhar 31".
hqnhnunt
Requirements.
Employee roust ha employed by Vt FHM or an afffhde on Ane 30 end Daocrnbor 3T io be eggible to be
coruddared fur Perfunr»ncs Scorecard Bonus aa described tuuovv lf Employee ia srzptoysd by WFHM on tha
raspecSve dates above bui not coven@ by thhr fqon for lha angra psribnr»nce perbd, Ernphqsa wIQ be considered
lor tns parlonnenca Scorecaro Bonus bl acccrdsnce with Rs
surh» chsnQoa pleo provtalor».
Emp~nt
If Emff oyae has ~ convnicaton Ivadit shortage
SCOreCard genus Pay Panud, yVF HM reaarVSC
Bonus ot4vwha dure
{vs, hourly psy advances) on sur 5rat cr second Performance
the right tO Otf@at Ihla ShOrtage against Ihe Pa durrn erg a SCOreCard
The Customer Loyalty Score Bonus Ia bsvad an alt of tha responses received on quesgons 4, 5, and 0 of the
customer loyal ty c covey dunng tns partout»nca panod on Ihelr peraontu produces n, If Qc'k or mora at the
Efn plop& e rsapcvNN% receive Bs on al thrll s gUSIL56 Fla, Blon fhe Emfuoyve wia bs sf gibls for' Cuctorr»r Loyally
Score Bonus. T)» Empto)ea can cfso qusfcy for the Bunt» 5 5ley score on panronaf
Ia ouipsrromvrq)
the company average during tha appucau» psrformanoa period.
p~
Page 5 of t2
~ ~
~an
'fhe Gonu¹ is gvce {3)bp¹ an ths Ernpbyss'¹ funded votrrns during bre spp scshkr psrbrmancs psdad, Manb¹y
funded volrxns, corporate
krnded vaxrme, snd Horns
klnded vaftxns shs5 I@duds
snd
vakr ms {a¹demanded hsnsin). Broksred aut bans...
Equity bane funded vakrms frrrd $frss of ared'yfzed
re
sre srxfudod, encl bans rcferred ta rxhw srr¹xa)ess sfs oxckldad.
Loan¹ busd-up to ~ rrdntnrum canvr¹¹¹bn lsvst @lb bs ekgkrls far sn sddtyonxl lhrss {3)bps bonus dun'ng the
perforrr¹rrrcs psrkxf. Loans schkrving Ihs msx canxrris¹frxr cr¹d8 pw bsn wgt nat ba cttgibte tar «n sdd5onsl ysee
{3)bp¹ bonus during gut parfamsrnce parod, This wlN Inckrde bans schfeviny s rs¹x corrvnk cion crsd)i when the
mardhty carrrmrx¹lan snd perfarrurncs xaorscsrct bonu¹ schfsvs the msx rrorrvnkrxbn+ bonus crsdrt fn aamxkuruon.
Exsrnpkr:
$ 1.5Mbsn size st 53bp¹ monthly cwnrnlxxion
$1 5M ben ¹txe st 5 bp¹ ¹smbsnnuet
crsdtt = $0.450.
~wras
scorscsr¹ bonu¹ erode
rr
Morru¹y carnrnkrskrn orwtit snd ¹em&nrxud banus crsds ~ $16,350 in total
Total msx corrxnk¹fan + banu¹ crsr8t payout vvf squat $ I 6,000
$000
The IFQ Score Bonu¹ kr bs¹sd an ¹$ af ihe IPQ tool ¹corsf {Induds¹ csncxfed sad denied Iasns) during the
performance perbd an yurx par¹onrd productkrn. ft
more af Ihe Ernpbyes'¹ Ba¹ sre scored h 6 green"
¹tshrs, bren Ihs Employee Wl be shybts lor sn IFQ Scare Borxl¹ during ths perhrnrance period an their par¹anst
Qresn stxfu¹ ¹hsl bs carnrnurdcated ln wdgng by WFHM snd maybe modilsd bom grna ta erne.
!K'r
.
The yanu¹ fs Ihrss {3}bps arl 6re Employee'¹ funded vokxns during lhs spplicsbls parfarrnsncs psrbd. Monthly
hxrdsd vahxns shrdt lnOtuds plrrchsxe end lel ftrndsrl vakttns, Galpar¹te Collnsc6cn funded vOIvms, snd Horrre
Equky loans funded vctrxns snd gne¹ of rxsryf raft Ized balance vokxns {s¹described herein). Brokered out Iasnx
srs excluded, end bans referred to athw srnpbysss sre sxcfUdsd. ~
Loans tucd.up ta a rnkdnxxrl ccrnmkurbn tsvsl will bs eltgbkr for sn sddt5anrd three {3)bps bonu¹ dudny the
performance prrred. Loans chHrovtng the msx commkurkra arsdtt psr loan wy nol be ostyble kx sn sddxlonsl throe
{3)bps banu¹ during Ihs perfalrnsrxxr pwlad. This wf8 fndude bans schfsvkry 8 msx cornrnlxxfon credy when the
monthly commbxfan snd psrfcnnsnce scorecard bona¹ schtsvs fhs msx carnrnfxrdan+ bonus credit in corninslian,
1~
bsn xlzs st 83 bpx monttdy comrrxx¹bn credit = 59,%xi.
$1 5M ben size st 8 bps serai-srlusl performance scoiscsrd bans¹ cisdg c $000
Exemple: $
Mar¹hfy.~ian
Total msx comrnls¹fan
credit end xwnrennurd carnrniw ion credit ~ $10,350 kt totst
e banu¹ crsd8 payout wy equal $10,000
snd Advance Cstcutsttorr.
Commts¹lorrs
Hats I¹ sn rorsmpls of Ihs
haw monlhly carrvnt¹¹bn¹
¹tsp¹ taken to cstrxdste compsn¹sgon an s mordhly bsx!¹. This
are hsnrssd encl dos¹ not Inrdude bonuses ar other bcenlivs¹
sxsrnpkr fturdrots¹ only
'I. Rsautxr Hauriv Psv
Empbyxs¹ wfb ssm sn hourly rats Of psy far sech hour worked. Thkr vugg xhavv a¹ Regukrt Pay an the Empiayss'¹
paycheck Ths haurty rskr wts be ss established bom time fa 8ms by ths Employer, In Ike Empbyar" sale dl¹creten.
¹
Exsrnpkr'12 00 hwAg rsfe
$ I2.to x 40 hours s $480 psr vrssk af tstpksr p¹y
2.
Ovwxms Psv
E mpbysas wis exm 1 Sx ths houny nrle af psy kx sech orertfrns hour worked. This
sn Ernpby¹a'¹ paycheck.
Exsrnpkr; Eight
{8)hour¹
witt
xhavr
s¹ 'Qvsrtkrle Psl'n
a@sr%ms
$ 1 2,00 x 1.5 x 8 ~ 8 f44.00 psr week of 'overtime pay"
3,
rxdvsnce an Cammf¹ttan¹
Ths II'¹I I xtho hourly rsur of pay orrrfwd far
carrvnkrxbnx, bonuxrr¹. snd other
snd aulof paid
xrc~.¹8The sdt$woad
5cnrd OW avorgrns
harxx
Exemple: 4l hours regular+ slgrrt {8)hews ovsrbms
$ 1200 x ¹0 hours $t 80 psr vrs¹k ot 'rsgrxsr pay
$1HS x 8 = $96 prrr vrrrvk af xrrofgt¹ dms OT psy
$480+ $86 s $5)6 ¹dVWCS On Canxrtf¹¹bnx, banu¹SX, Snd ayr¹r
Irnrr fs sn edvsrxxr sgalnllt
prsrnkrrn I¹ not sn advance.
¹
inaenIIV¹X
4. Gtmmtss»ns
sfl be cskxlsfsd according tn tha cottmlaxion wadg achedukt snd ths k»ns funtted in ka
.The «dvtetcs vrtk bs ssbtrechtd to dasnnine lhs nat cottvnktetona. If ihe nat ccrtvtv'aston« ste negative,
dc«dt vrg be cat turd torvrstd as en edvtstco against gmaa correnl tuuon ln Os next ntonth.
Otoax txttntnisskons
monbL
oat-
Example: $ 5,M0 gross commttatons fw month
$ 1,$20 regular pay for month {$4tgi x 4 vresks)
$284 ctnsght gnw OT pay fnr n»nth {$M x 4 tvsaks)
$5,000 $1,020 - $384 & $2,808 commission payable
&staple: $7 898 colvnttsktna payable
48 hm per vveek)
192 total hts vtcrked {4vveeke
$2 ovettkt» hours {8psr steak x 4 vveeka)
$25987 192 x 0.8 x $2 = $224.87 for monO
6
Monthtv Tokttt
Retndsr Psy: $1,920
ft2 Ovettltna Pay; $678
't1
$8 Cornrntsskttta'. $2,898
84 OT Pramktm on CornttNsxhns: $22487
$$,418.87 tntsi monthly psyrsont
Please refer to the Tean Msmbat Hancltook snd FAQ docen»nt potttad on ftstsl Change Central for further dtdals.
E.
fttmt Ettetnvaa
~
St«trio Oogonc,
II Employee Is s nevt sntploysaof Ernfdoyot, ona of 8» ststbup opgoro bekvt nuty be
by iha 1 level
manager udlh approval ftctn ths 2 lovel manager. The nylon selected vtl be tn furca for a limited period of kms
bcginrung vnfh 8» 5rttt day vrotked. Al aisttwp opbona tequke apptovsl of he Regkx»l 8alss Manager and an
extension msy be granted st the dlMtetton of lhs Region«I Salsa Manager. Eilhsr opkon, lhe guaranteed advance
or commfsaian spgt, n»y be reduced or etlmk»ted on a perspective basis at tha acta dtca «ban of Ihs Employer.
Any la»ns egal«red «get the atkrkstion or lennlnalcn ol hts Option era sub)ect to lha standard txtmmiseon
schattute aat lcrth above.
t.
Guaranteed Commtsakxt Advancement
A gutttantaed otntnktxktn advancement in 8» fntnt of Itottty pay tnsy be aulteraed fw s limited atrxwnt of tithe ktr
a nsvt Enkxoyea. Qurtng tha tvtvt F tsp»yee is tecslving gtstsrsaett advances, $ the gross commlatdon crohts are
ktas 8»n 0» advances& 8» dtdtvsnca ia not confed ovsf ktto 8» ftgowltl9 lnnnlh as tee)Usted viith normal hourly
pay. Guaranteed sdvtstcss shtN typlcsly bs lknlad lo thittsan psy psttodtt, st vttsch Ume standstd ktcentive pay
advance prtntts'et» apply par Plan ktnns.
Example:
~
Employee Is put on
~
s guaranteed «dr«neo ot $24 psr hour corntnencfng at hite on March 1 gvough Apt N of the
sattts year.
If Emptoyt» hea $$,36 in gross comtntss'ena on bans funded in Match, Etnflcyse vrIN tactNvs lha guaranteed
advance amtrted, s 9, $ 1,920 Pttr psy period «turundng 40 hours par vrtrttk or roughly $3@40in a typtcet murtth,
and fna tarnslnAg $ 840 difference vrll not be corti«dover to ogset comtn»clone on Apn1 turxttttgs,
lf Empkvtee has%8,{N0 In gross oonvnhsks» antenna funded in Aprl, Employee chal receive ths guaranteed
advance sttxtunt, e.g. $ 1.820 pst psy period staurntng 40 hours pst vtsek or roughly $3,&0 In s typical month,
and $ 1,180 in nsl ccmmktaior» gtLtr{ In May.
stater» kt May, the advtrnce ts no longer guaranteed amf, Suttsktte, any shortages going fonvsrd bohvasn
«no advances vtN be canted over esch meth untl kttty tttcovvrsd ttcrn commixtxonh
tfoss
bonustta, or clhar
under Itaa Plan.
cumin
I~
2. Cctttttttxctcn
~kshxVF~
8fftt Upon
Fot k»n tsgtcksdona obtained dutktg 8» t»rtn of thta Optktn, Oa Empoysa'a commtcaktn rata chal bs coact%ad by
the 1st tevol
on Empxtyoa'a Attachment A. Concdxaktn credit at fhe toto spec%cd on fhs Attsctvttant*
shaN bs gtvsn on tttodgsga kutn rsgbtttsttontt obtained by Ernfsoyss snd sccepktd irdo ptoceaaktg duting the tnonth.
ctetct st tha tate sparkled on gttt
An
A «tutti be gktsn dutktg the monst the loan
Ntnds. kt no case shatl comm'arden wadI ba given on credit~ appScettotvt, Al ktsn types tt»t pay outside of lhe
ctsndant Natktg structtes sre nol all@to for the fteghttadcnt punting tttsttup oplon.
~cr
~ttt corn~
~nt
~
af foen types smvJdsd from this Dpgan snd cammarscut
The lcgawlng fasn types sre corno, but nal sit,
crerkt shs9 be gnsrn per rusndsrd phn terms:
v- Vasss Forgo ta V/sgs Forgo fbrfursncs Loons
fsstsganshNI Product Loans
trysss Forgo Employee Loons
ConnecHan snd pragrsm Connscnon
kr Refer) tnctuatng
Referrals ta Protpsrn Spsctstfsts
~
Csncekscf Loans ftf s lasn cenoshL the aarnrah4rfan crsdrl ham the sppthatfoa wiN bs sdusted tram hdure
fundtngs)
..
~ter
~
Emptayss's esgrbstty er this opaan fs cond@oned an Empkryss meUnufng in emptayrnsnt through ths end of the
Nrne period covered by the Cpgon, If Employee's smptopnant ends lor any reason during trur term af this Dptkrn, eN
cammlstuon crsdds shsN bs dstsnnasd psr nannsl ptsn terms.
hesf~,
s
but not
F. Fee Cagectlan. 5 is ths rsspansgNNtyof the Employee ta aagert up front ffdrd party
Nm5sd Io, Ihe epprsissf snd credit rsporL Employee scfmcsrfedges lhsl frsturs to cagect fs wNNd vkustian af the
uncoNected
fees an
eN
crecg shsN be srtjusted la account far sny end
Ernplayer pal lay. Employee's
~km
canceled Itums (tnchsftng browed oui csnatvsd tosnst, end denied loons.
Sscdan V.
PAYNrKIVT UCHECIINE
~}
~
I
A. Usnsrsi. Subiect lo ths commission rsconalgsgan pracsss sst forth above, nst commissions gross
shell be psfd on lhe lest psy period af each rnoruh based on Iho actual
cornndssrans kuur hourly psy
fundkrg of rnartgege bans originated by Employee during ths previous month The gern4%ntuef Psfbrrnonce
scorecard genus on personal
inel or advances) shalt bs paid no kdsr then fg days fbsawfng the snd of
Uur MAll
sf&Vol psrfcrnlwrcs
8. If our lv Psv )s Fugv
pertocL
~s
on Carwnisstans) is taken into account h
Earned, The feat lhst hourly psy
under this pion shsN not give Ernfuoysr Nut ngnt to recover sny hourly psy
krsng net cammuworuutncsndves
beck from sny smpfajee. Hourly pey is fogy vested when darned snd ls nru suhfecl lo recapture by Enppaysr tsufsr
sny ctrcum usllcllk
YyfLen.lacentIVs Psvmsnts sfs Earned. To sam cornrrisslana, bonuses, or other ncsantfvss unaer this Pfsn, the
Ersplayes roust be ecthcly rntuayed oy vvetts Fargo through lhe date commission credit Is grsnled end through lhc
snd of thur sppycsble porfirnwre period, ttnfess olherwfss eqxestNy provided fn this Pten al rsttutrsd by sppccsbt a
bnv. This is en turpress condigos of earring tncengvcs undor this Ptsn, it being ans purpose of thhr Pion ta provide
sn incentive lo tho Employee to remskt st ernptoyrnsnt vvhh Employer, This condNlan also rscogtuzes the
Employee's ongoing Jab rsspansfb55fss with respect ta the ckrsfng of lowe an which the Employee may bs sfghfs
'!o rocstvs camrAlsskÃw~ss.
As provided Nt thfs PtofL saner amrnlssions snd other lrlcsnsvas ere ssdmstas
to safu&nents after they srs pskl. vyhen pskt, those consnhrsfons, bonuses, or alber
when paid, ar sre
incenkvss srs advances af erufdpstsd wages end we notwsgss thol ths Errrpkryss hss ssrnsd. Those advances
srs not cerned un'Jl sf!sr sil sdtustmsnts provided far ln this plan hsvs bees ctucutshrd sad implemented, snd the
other terms snd aanargans af the pl en hove been ssdsgetL
C.
~
Secffon
VL ADkOPd SyyfAyfohf
~~
p~
~na
Taxes, -Ernfdoysr fhsti dsduot gom sf
or UFors Irrr ntthhrr rang nrquirenusrts. These
pnor lo peymsrd.
A. yyithhotdbid
fedw st,
UIUIO
&hist smorsd ISXessory to Sngshf
wf I be wghnskf h'om Ihe Ernfsoyes's
under this
pa~
kI this pkrn does not conasbrts e guarantee of contract of
tso ffoarantaa ot Efnoknrmsfd.
atnpfoymars wnh w FHM, cr psrtldpsting arnfdoysl. Such partajwQe shall ln no wsy kderfare wkh sny Irghts of
yrFH)rt, or pankf pssngemploysr, to dstsnrfrvr the duratkn of s oarscipanys ernployrnant or Ihe arrme and
condisons of such mpkryment. Therefore, each Employee shag Fsmakr an smptoyaeat wgt st sl tlrnss durtns tha
durstton of UFFPIoymant whn Emfaoyrs,
8
C. plan Admlnlstraffon. The ptsn Admkrtsfrstor is lha EVp, lhsnsn Resources for VIIFHM. The plan Adminbtrstor
has the fus durcresoruuy Uueurrdy io sdmtnkrter, Interpret and const~ Iha terms of tha ptsn. The ptan
Administrator may, st ony gms,
to o@er personnel such rssponslbutlas as If considers to b» approprhrto to
tecskste Iha Qaytwdsy sdtnkrbtr assn of lha Plan.
d~
0, Amendment snd Termination nl ths plan, The p!an Adtnjnfstrrdor, wgh spprovsf ot the Head of WFHM, msy
emend, suspend or tarmhate Ihs Hen at any dme for any reason, wgh or without noiioe, No amendment,
suspension or tanntnagon ot the Rsn shsf advorsrdy affect Employee's commtsstonr)ncsntlvs pay earned under the
Ptsn prior to tha effective dsfa of tha Ienrsrdnent, suspension or errnlnetkFn of tha Pisa
F fNsouto Rcsotugon process. The pish Admtntstlatcr has fha stshonty Io Fasolva all Issues snd dlspulss
Io gre plan. If Erspioyea begeves thsf
convnissloNbcnus or other bc'andyo pay is ncorrect, either by
being over pakf or underpaid, Employee ntust give vrigtsn notice of tha Furor lo tha Plsfl AdnllnlstrNor (or Its
«wegsts) wIINn 80 days aller Employee receives tha trtcenbve pay Einplofsa belavas Io be inconacf. The nolico
Should include crdcvlasons or ogler relevant facts, suppons1Q Ihe request for tavkrw. wtthtn gg ds)e, the ptsn
AdmintrfrakvF fur its delegate) wf I revkrw ths request Io dsarrnV'ne If Secs kr an anor arvf whatiuu Un Udfmtrnent Ia
~ppopptate to otfset fha «ror. To tha ax!ant an edtustrnard is appropriate, the sdjusbneni vdf genersgy ba made
wtthkr 39 days fotkrwtng the detarvnrnoAon.
Al dechuons by ths Pbrn Adminlstndor wW ba Anal, conclusive and
her
~Ukdsd
binrang.
F. Attachment A
As Asaohrnant As ma on Rna for akrrsronkr usagi afvf sign off: Fosow fnabucdons on the
nl A wabstta tor Instructions andbaquendy asked rfuesyons fFAQ). The link to ths Alhrchmant A's kr.
htto:Flbonu scommlsske vrthm.hornastcod.wollsfruno.cornr
The f)onus Cornmnrshn
Accounttng cue@mar service number ls;
815-21&245'age
lg of 12
QQa
Hove Igr»,
I:~
~
:=IMP~=,~I.=,=-„.dtp~~fg
pavud nacuh,
Brpfuyoat t»camas a pwtbyr«u
~rdraogusat b flat day rd the
Ptsn Ya«I
Tr»nslar or Pyornotfon f2ut
~
ca» 0 trsnwlar
portta)»treat
,
I
iub
scuds'
sorgaj
Ran
~
~
rvg
Saamconl Sanus
hnvsru tha F
be ewwdsdbr ggh8) alghb funded loan
tsau«vulva»
b)igdle br munauy caavcusaion credu tor
~trghb b«» wbah bed vwgin uraty fM)
sut af e
days assr tmrwt««
paaruan Cavarvd by uvs Pla, » n
wiuvs»le bw, tuwvhtsd
Brpcayae rsmeaw wnduyvd «tui ursus
pbrga far Ihe tirgf Qt)) day pened bkweg
Pcunadrm
lho Irsnotvr
~
a nanoduQA
wtuun Wads
t»saran
CC
a
oral ocul»aaivad ccvamondng
arcaedudoty upon lhe artschvo usb at Hnc
trswctar ar tuumathm huo en ahgttdo passion,
~ ubfoal ta Plan bow.
C»dC hrvr«d g» P«br»unco Caracard thvu»
vdt he awarded Iar gggb) drghle funded ban
atbaaus
schema and ace»a n»srvucr uvaugh
dab ar honor««prancNcn aut af s pawtcm
cavvrsd hy the faun, svafwu ta plan Ianna.
Empbyso ronlQfas ettlayoctl wN1 wd» Fargo tar
g» seadareuaf t»rfalut«»e padad tatbwing d»
l»
~~
tr«uter ca peseta.
~
~
~c
Plan
partta)»derv abo b vrdaaary
Nrrattaa of srrydsyrr»rrt. Ir.
d» ursa af vahvrl»y
lao» mamtwr ts sdgtHs Ar
btbumant, see
fEmpbyss
J
~
t2uallfytng
d
for
Event ifndov
sabay Conunuatlon Pay
Plan
i
annvunadm
w~
tsuaoa Empbyao murws.
d ampbymanL
Ap pravcld Lsnve
Paid Tbne 12ff
f01tg 112012)
(sce
~rsmcnt'sbrv)
f«p~
Fadurs lamest rnytnusu standards and
tequiornanb Scquaeba Empbyse fram
~amhg aampvvvwuan under lha Avn. No
nvaruHy wurvshabn cv»N shel bo awsnbd
Iac bans whbh fund ln gm cratuh d
brmsvctlarc
Hat skgguo
scorecard Beaus if
Iho Bnftayee+ rad emplayed on tune 30" ar
wlh u» Pbno lsnso.
tkwwnber 51 in
Bphb
A tawvvua «hara st Iha Psrlarm «we Scarocw rd
8anua wta bo ewwdad, if any. t»ssd anb8gt)
~cares and landings hmugh II» calendar month
nauce parka.
that lndudes Ihe ond at
tra nuvvhly eammhsian cradu
br
keno wHah lund walcn uhty I30)
dsya al«u» end d Ihs Bnployca'a tuclce
~hdhte
pened
afacardinvec Pfan
fwvrrnhvitcvr chw la a puou)urg
avunr tsrdar the nac defray
Cotuvurottan Pey Prwr ar onbcf
~I theow ar u» avwrd
Ossth ar Rattrernerrt
~
~
Bnsbyae io rwt oraprsyvu an June sg ar
1u lt
wlh g» ipm tenn
%Hoon»sf'cyavv,
Involuntary Termtnagan
fdloaancfuct
,
Etphb tra manauy cammtsdan snab br
cdglara bw» wHch tusd wSHn tHny I20)
of ompbya»nh ar b
wuh ate» lmv. No cccrurvsdan
aredl shag bo awarded far bane stAA led
meso lhan dirty f38) days al«g» dsb ol
days agar
b usrvdam,
crack bwsrd g» psrbrtr»rrc»
8ccrus wil bs awarded br IKgtd aggbb
bsuad Irvm vduma enu occaaa rasahrod
vt bcfaodtataty»lOn tl ~ ~ Itaaaue dote
af eanatuf ar
yao dw f)btouffauo
aaaabn. sutfact ra Pbn4m»,
Mat elgrbo lar Porbnncmce Scorecard 8aaue d
8drNcf
Vatunbuy Tarndnsdan
..~
fcv'naN
br maauuy carr»scales crud I
a»dad bene br Ihe paoabn laAlfar urs
Etbuua
Btgtda br masm fr sam»balan crsdh br
sggttte bccw «Hch tund wlHn ufrly f2g)
days all«Kmpbyse csea ru rein».'a
crmr~rcsbn anirst «»s ha uwasucd I
bsna which fund swuw than aurty Pl) days
atter Iho da4 at death or rwhvowru.
paymard wtl ba made Ia Bntcayaa, cr
Bnalawh sauna.
Haeaat a»rvrvoaian craurt, l any, psr Pion
br»a wal canon|» duryrg aw leave.
~
Pay racorvrd br PTO is regular twy for ths
~Isadora hours Brdfayee aautf have
wcvhad it
wave nat cnbg the Pf0.
)Hs onvaau is «fvenced Sgolrwt lm
corn»iso'nn cractc Normal caenucauur
credtt, lt sny. par Pan t«n» w8 cangnuo
duirna scanned add arne alt.
"
~'s
~
~
~
~
Eapbyeac cr Kmpbyoo s osb4, lHI be prod a
share at uw Paannoruw
8anus based and» gggtg) scares and Iunutngs
Ihmugh the asct
d ma ccuondar
march tn vouch
dka sr ra
area.'ligfvby
tsr lhe Psrlarrsanca
8asua wil
oworuvd It srrr, baawt aw fdhutr vauroc and
tundrpo dura» S» parkcra esca parbd,
hw
No inpaat lathe Perfonnance gaaraaaru genus,
Psga 11 at 12
WFOOOS44
credited
f~
R~f
'For~oaf
rrtth f 0
sge dd
~
this&en
fed~ neth»
of empb~nt sderrsechfng the esdforaf (f)
years or service, tt(t ffp points (with one pahf crerfited ibr escn aunp(efed sge year end one prv'rd
pier af servjce
cantarefed yser of canvass, or ftt0 sge ftfi sdh eri
M «sch
sub~I
'Rv purpoves af thfs rrtert @&conduct mesne
Ernpfayee's race fpf of noffce ol term'nothn tiy En$ ifa)or srfcfng
penbrm Employee 'h pdr duriss, seer rscsfpt of watt en nodce
f) Employs s's canftnuerf thfture to
ronvtcttcri of e crime that Errrpfayer rthf craw s rogues
issues yj
ttorn Ernproyer of the
rerrnfrwrfan or sn sct ar amtrsfon that Employer determines rsnrfers mppu)ree unbandsbie; 3) Entpro)osb vrorstfan
poscws krcftnynt$ buf nof limited tcL ytrsrrs Fsrtfo's code of Etfscs snd sostness conduct, fnnnmsfficvi
ay
S»aunty Paftay Or CarnP4enCO Snd itfrfr ii4enefternent ACCOunfe biQ)r Pafiayf 4) Vfaietfan al Stefufary, fufetaiary Or any
other comptfcrice requfrsrnsnsr sppftcsbfe to Empfoyerb tcrsdress scfivftfcs; dj s frresch or Ernpsryee b Ernukupnenf
Agrserrnrnf or Trade Secrets Agrsernerd srlth Ernpfaysr end off srrfvbif» snd attachments thereto; sndfor 5) broireifng
fosns oufsfde of Ernpfoyer or cne of Ss sfffffstes vcthouf Erryrtoyer s finovdeage snd siaprovsl
egotist
~'s
p~a
/tarn
~s
commissions hnd sdvsnces durlno short Tenn Dtssbttrtv (STD). EmptayseiL sre etlgRde ta participate in ths
Wells forgo 5 Compsny Short Term Otssbtiny plan (the 'STO ptsn"), Getsttsd STO ptsn infarrnsdan ts evsitehte in
lhe Ssnettts 8aofr for tryetfs paya Tssm tsrvnbers or by crtdng Leave hhrnsgement st the Hft 8srvtae center, SyyHRVf ELLS (1-57?&79.355r). Employee must use Pl'0 to cover the STO Ptsn's ssvsrHtsy Vretttitg Period. Psy
rscehrsd by Employee hir this Pf wd be advanced
monthly commissions ss it Employee were working.
0
Far ths period ln which Employee receives bsnents under dw STG ptsn, manthiy commission
credit
witt
continue
ss
follows
~
Tatd mrethty convstssion credit minus
total monthly standard or guaranteed advance rnfrius
eny tobd monthly advance deficits
ettusts commhrsions psysbls
~
Then separately. sn sctfed STD bensfk payment
~
~
The sxctnts (lf sny) nst colnlntsrlort crsdd ttt pstd to ths Eniptoyss. tn ho cdss shstt ths smptoyss be pwd toss Ihsn
ths calculated 5'TG benefit level each ncinth wNta on Approved Lsava
Firsrnote
Total
Total
Tolsl
Total
Total
- Jsnusrv
- Ernatovco
Fund thos
Qross Commissions
hourly psy saver
e
sdvrvics doled
commissions psysote =
benefit =
STO
monthly
TOtal monthly
Cam paneatlOn
&
e
'Bawd upon covored psy at ths
orwlb-F
Total
Tatst
Total
Taint
Totsl
Total
INU
$5,000
$800 tpstttst march)
$0
$4,040 (coinmtsdons icos advance)
St A@3'partlet STD benefit for ths month)
$5,80$ (tctst net commission snd STG bcnefh)
ce-
monthly
Fllhdh
nuodmum
$50,000 beneath bess tcr STD benefit
IN~lltl
~lltlOHNII
Commission Cied tt -"
nsnithty advance
ones on Acaravsd Lssvo rnid-month:
$2,NO
$0 (no
e
moirthty advance deficit =
Carcmtcetane pefshie~
mondcy STO bene%i=
earned nunlhty compensation
Based upon covered psy af die
$0
=
hiartt
IUI
pcrbnnel
ONh:
j
$2,000 (commissions tees edvsncs)
$3,845 (lub month of STD benefit)
$5 t)45 (tatst net commie snd STD berwfit)
msidmurn
$ 60,000 beneffs bose for STG bsrwM
Fargo Home Mortgage
INeNa
f'AIILI)
ITO.,YV
Ago
20% Ifgcentttre
Com peftaatlon Platy for
Branch Satea N attagey - Prortucfng
Sectfoe I, PIIRpoSC
~
~- ~
Tha thirds Fargo Homo Mortgage su»nave ccngrensedcn plan Ior thanch safes rerffsre {grs 'ptary) le designed
to mode»le wrd reward your corsrgrugcns snd rotdorce Ihs feadkr meal Ore rhk snd oorcpthrnce acccatn{aQlly
As s Stench
gta bool posebhc custom«
rectcsraments of your posiean uuFHM le cerers ass to "lo oounoct oonrouwus snd fgdce yo» menage cm
sahe Manager and poryctpsrs tn grs pten, you ws
end
occurs«consramkegon
and
porlds
gmsiy
on
bran
feecesa.
lha
poducf a»done, sctucsto
presses 'youw5 be nnnectMIbr orfgfnatsrg encl maneghg HMcs ther odgtrste Isgh cfuaey lo«e eod ares grot
tho beet poecgde uatocmer cpanorincca
meat Wale Fargo Iudlinss and grudshry tscpsreraants and tu
~
E~.
~
Fer purposes ol des Bert wrds Fargo Horne Modgsge eh»ebs retorted to os 'wp HM'r 'Enfdoyer". ttench safes
Wass Fargo 4 Company shul be refaned to ea 'Wage Fargo!
Man»dr» shel be art»sad lc as
Soclon
a
EFPECTTtrt GATE OP TIIK PIAff
Tho Pion Io sit»clue fcr bono that lava 4ndod daawy t. 2C12 end stt«{tha 'Effech» Outre Tha Isnrre and
ccndgons of gra Plan srs euttect lo psrtucdc revtrw snd noy be oc}uehxl by WFHM. (Sss 'Arnwrdmant and
Tnnaaoegcn of Sur Ften tr Socdcn
Dy
8
TNo Plan redact» WFIgfrs ererectsgoce of gut rnodgegebrndfng envtanrncmL The Plan {ssubNud Io change
wptdd atl condnuo to moracr rnarbet canctthns and rosy rngrgty any
~ma sl Ihs Enykyef s sotr
pcwls lone of gra plan.
caser~
el eny
of the
~s
Teart Ltembers of wFI4A. ~ dutsbN ot wsgs Fargo Esrtc, NA, or of a psrtktpsttng ecnployar', ctrssyfad ea
In gfa Ftsr. other town mersbws sr»
Emfdoysas wlMn Nsdonsl consumer Lencgog ear cdgsr to to
~Igsdo lo ssscoat ~ oner al ths decretonof Isa Esecudrabtcs prsddsnL fbual re»sorus gatac Msnrrgar, or oturr
ecigraacd rofaassraat)va.
~~ ~
~
~ ~
~
~ ~
AtM
Isndsrda snd racyrberaents os sst lÃlh
To bo egggdo Ibr compenesllcn und«ge phm, yrN rrrust asdsiy
gur plan. Add glonoly, yos or»st scgrwa lo Halt Fr»gab Gods ot Elf&a and tfustrsss candu+ wsls Fargo's
~ counlaQly rwtubernonte he your pc»Mon,
~+plop'«S poldas, erd tha corsegance and riot
wth sl patches, laws. rutra, end reacted one apfdcsble lo WFHM bustrrae
fncfucSng, bed not trr4ed «r,
acdvtsss oe ~ canddcn
to sanded ccsnpensolloa undrf lra Flan. Fatura lo meet these ntttnuls
under the Ran (urtecs thtorviss
stsrufards sns rscscssrnrmteuts cctusrsy you from ssndng
detwrntred ty WFHM) snd may roe»I tr
scgon, Ina4dlng, bul nut Imgsd lo. tnrurcgsla
cf
ampteysrsrs. pesos ratrr to sro Mencgocfc fbr Htcss Fargo raanr Mamtuus tu odrnsdcn saocawess Forger s
and tho Compliance end Idea Management
~ mployment a»tees, Ihs Coda ol 8Nos wd Bustrosa
Accourdsbflty Patcy.
~~nant
~.~~
tt
~
~~
~
utth Lan% »cd Govarruuaa
Comps«rce
and payment Of eny InCeraha Cumpaaeegcn
Plan le Sutteol IO Ihe
The v —.
and
oasththure imposed under
brws, riess snd Ia+JfalenL A petsdpsnyo rtgrte t) or receipt of compenmgon
cmuer lhe pbrn may be ImuocL moclsd, Nuagsd Or
lo ensue Ooluplooce wsn og such
lowe,
rufso, raguh gore end gubtsnoe drat msy bo he»ed tare cmdor. In oculxn. Ihs Ran A dmlnhtrator crusts WFHM
ccrorra'oe of welo Forgo'a go»el d srscrore {tha 'HRcT) hso s»
Is»bract to 0» ausrorcy ot sw He»non
grs dhcragcnsry suthorky to acljuet or emend ~
or bc»cthe payout under the plan
~I cny tyne.
un'ra
~
~
p~a
urruru Ihe Phn msy be wffucted cc dsnfod. regrucfbse uf moedng pe.
A Pw9dpsrt'e hcarehe
noes»utes, krr Neststsctory psrfornaroc or rolHKlmplurncrc atgt or urotsson of well Fargo's;
of
Eddas
Cede
snd
gcurtrese
ConducC
t.
2.
Irdonnsthn
Pathy. sndfbr
conyrlance and ftas
Acccurgabgty po6cy.
M~
~ ~~
~
~„~
~
A soar»saws crrcwrw eoow
os»recrr «has wrewo sonorr of woec I'ego rroroo Ir ooacoo, ~ eaccroo cr wells Forso
aouc. rrA* sac orocro to
h ao arse orators ro «o oreowoc sr vireo carlo frame ccocrs are. sar puryaocs or eh pare
to
tuacao sucs p=
grto trrrrr
li
Sago
I or I l
sornca shoo arsr -
6Z
Clean
AN
~
fggn@oant conucu
Re pcuctad
process
~
~
v
.
ot Intara ard Vvc»ct,
of 5» borvca flan ars auh)act bc
cornpanccrcta
rcuycga
~
~anL
Eccamph» of ocAcomm that vcocAd raaul tin
tn~
secdecclse ln bce canegava assn of aonvcA Idvntsvcd In 5»
ot nfaacta tggnftosnt
(ltd) ka s cartsbc bncnch
a bonus
~
Rtca Itavvcw.
tbench )sate Radon
gcccnctc
yt
5»
vcatancc» of fraud vssttn 5»
span of con1rcl.
to yvFHM hu dneaa
P etlure of 5» manager tons»ply wgh VVPHL1 pcAkfoa hws, ndcs, and rogcAegor»
scriAgaa„or
Fatbacr to lnvaal gi's srd lsactvs known bsbrncea ofnorvoonfclance ccghtn 5» manager'a span of contrcf.
ln 5» event lhat cne of 5»ae bcaucca occcarecL gec racra arvf cftcc»vctaroaa vroutd ha researches amt avbrvced In
contuncdon cvgh Hc»»n ffccacuroc», concpgarcs, and oguc consol iuncthna, The Noel bcvcua bnpact cvocsd be
detarmuvcd al rnsncoarnanya discrascn
tro»cgvs cocepanaayon swans under ths Ran may ba prfd In ths form of cash or equity, or s coac idnsttorc thereof, tn
dbccvepcn. Yo 5» ever nt ol or s porttoa of an avaccd vrtg be pcdd!n actuby, gro equay cacrard vAN be made
LT)CP tnvsrda sre
undorthe)Abc)a Fargo g Company (on() Tenntnoenths Coapcnaagon Phtn(guc
colvttgonad upcft snd auh)oc( to the approved of tho HRC Ircd Brs cub)oct to such tarrra end ondbiona ea sppmvad
by 5» HT)C bt aocord»xe vAth the prodabcc» of the LT)CP sa resectad In tha appgcabbr swart agrearnenL
vf Hbf'a
L~
Sccgon fK COQPENMTTQf
A gttggt). compenasdon shel be compdaod of a asbcry aet by ths
~
~
v
~
Pe~
Employer tuuv the heowing
mpacvcrca:
htondf y Cornrrfaattnt
Personal oddudrvc
Scomcacd ttorar,
htcvuhly Vcfun» Dventde;
Qcacdarty Purdlsaa 8oncac snd
genus.
Street 4 Indbect Report perfonnance
~d
pot sg Ran provlatcna, s basta pdnt
(1 hp a D.DN)t or {LOs%).
TTgr
) chas be dagnad sa or» or»-nuncvackh cf ons percent
ccndlbona snd rlfnbnccn ractulrscnentc sa aat forth In 5» Plan, and auh(oct to el pbcn
he grsrsad frc It» month In vAAch 5» loan actually funcbr (I a. cthtburaenvcrs of hvvta to
svc doctnglvaotam ant agvng. Funded loena vctg be repoccad In dohcra encl ucctbc on Iha Actual varaua Plan {AVP)
brccndc Progl end 4aca (PAL) atatarnanL
pnrAdod Employee aathgea
terna, cornndvcAon craca
NN
vAN
Inc»rgva raecra lo conanladona,
Employee Iv dtgtbte undec thbc Ran.
Aa uaad bt thh pbvn,
bcvcucea, and ab ott»r bccsratvs Iacymanta hrr which ths
(L Standard Convnhatott Scheduta.
comrdaalon rata of pay under thh ptcn Ia detarmb»d by gra type cd acsldenttat rnortgoge and tt» rnorshty grndact
volume (do)eve'v oruffbr) ofrsvttandal mortgage uaatfvaa asccasd by Employee. convnhabN crsdh shay be
baaed on 5» to NovAng atanctard ccannf caton echactubr, actr)aca to any mocslicagorcc acct out tn Attachment A hereto,
vAach ta trvcorporatad by ncfcwanca, arxl cvhtch tray he amended or rnoclcod by Ecvfuorer at any tyne.
E~'
The gbcnderd Coarmlscdon Schacbss Nccsrmbcea 5» comrcbrfon rale baaed on 5»
rnctnthty ended and
referred doser vcAume oat 4nctt rc funded and ckvracf ca@& that funcL Afct»var Ia greater. Tho IAohsr rata ctvrtvvd
tram 5» aohadcde pccr catta gt soarer vokrna apfftea.
,
Qs cprnfstsstgnmsa&
r
055dbd Io the(ungag btsrt tfofbtr tcrb500
'%5%lflngo
gysgmyercwor
c(
'i+
J
1
';
tf(/CD~
srrvttrrc~
f .,4 ~'
r 5
r'~M
'nr
40
60
~~
sboua,
~
~J
.5Tc(bT;.
~wjgc J
rrCCm0dt) %}ntst
'5
gf /00,0IN-QI,QMI,NQQ
Qf.g(OAXO snd
onrn
.. gglf~;,
C
NNNPe - Qt.dgg,ggg
1$ snd abcwe
comodatbn.cfadl.
MpRp w
. '5-
'
gg. NQQQ,Ngt
d
y-g
10-12
b otenntfm
02
'.J.
&
~u
n
0
4Q
d
54
0
0
04
dg
T}rcea atandrsd conrmtrahm rates apply unbes 0 dNenn4 specsb tale apples. Gonmscsion mls br sny ben types
deeafhd bakes shall ba ccwcgflgt b lha
babel b Nau ot thb Standard Commlscbn Schacbfe,
For parpoeae of detormtntng Ibo
ond mlnsnce ccsnmhsbn rois:
ban atmndsslon tabs aa 0 IO 43 bps.
portbgo IJ)sne (Imded ond mfsnad) shel bo Inotudwf b mengdy funced dodec (I) voime 'or unba.
- bans shel be euctudod flom mcngdy lmdod dogsr
rcurored out bans (bnded snd starred), snd ~
(I) volume or units.
Rosenrle to progrmn apecfetbts (bafucdng
Car utwdim) shol be Incided b the rnontHy IIrnded dolsr
(I) volume unde. efarrats lo pmgrem epacfsfhb Nsrrd br cortsntssbn cradb sadng on psrscntd
~
~
~
WFIQN
~
b WFHII +%rued
a
(I) mime
~
he rslbnst ftrnds wflh gra program
spectaNsl,
Wegs Fmgo Hams Equby bans and Nnos of crodl (heated snd refensct) shes hs Incided tn wdume a}tats
based on gto)nltfal uOtod balance.
Al waifs Fargo frame gqulty bene lrndsd and rafarmd b tha Nrsl 'pos}gon, shel be bctuded h monthly tundad
ratb islets. AI other Welh Frugo Horne Equgy hens snd boos of rsedN (bndsd end rofomxl) shel be asrsudsd
born ung tctstL cccrsnbcbnrstaa on these bmt types srs
bcbw.
AN wetb Fargo 8ank ratsnat bens gwt fund shel hcnm 0 comminbn rale of ~ flel43bps.
AN pmgmm ccnneclbn (yudcdlng corporate onnnacfbn) referral bans Ihsl I(rod shel turva 0 ccrnrnlsabn rats
ot ~ Nrd 46 bpa.
toens transferred Iom JVs to bnd wlb WF)dt wg hftocr Iho Internet cnrrunhslan crecN rats ot s liat 45 bpe.
hgntmcsn conushtebn crorgl pef ben o(gygtb Eocbcgng coftstn fadnsncwc sagkl Str (6) 11XNlbs as dascrRled
betwr.
Ibcrdmum cornngsrson crergt per bRI of $t 0,(O).
trorNm:Nuns.
Referral doser
and unls courl In the month grat
~
~
~
n
~
~
~
~
I
:~~;&'~M~ %&a~ep 6-~::~-%,C
..--.'i.k%~M@4':4~'gk~N@l
commtsston FJcsrrsrlos:
-
Pe4
Ianr
June
Jurr
.era..tJdrcco~
&
I
Unus,
4
I
I
0
5
I
IO
Vusrms
I
55re.000
It,oeo,oco
5200AOO
51,%otwo
rrmsrm t8
'}ntc
I
~
Vutueo
'
I
5250.0rd
5250.000
5500.0ca
5
I
~
i
5500090
~AVON
'l
mvas'rtsr.'sarraar nat
t}r Sa
Vcuene I
2
5250000
2
5HOJ}o}
5
50eoJ}00
2
5500000
kgfg
P
'~
~nnnrt p~
~
2. Rst!aeneas
gr w
.~
40 tnrc
cs sac
0S ten
4S les
cs tcw
5C
59 sec
OS turn
ss ops
CS Sac
$0,NO
53 sus
45 bwr
l
cs tca
die
sdsso
515.150
wtbtn sbr (6) nxmgrs
Employee wll not bs sggbte br cccnmtastun cl8ctg on lha
of sn co4ctcrg wFIgd loan Inst crtgbsly yurtded
lass then three (2) monsrs prior to be efinonco func5ng dsla cornrntmton nrle on ~ ragnsnca or sn
sr(sang WF}QI
loon awt ortgbvdty funded four (4) ln sts (0) mon so prbr to sro rolnenco
buusng date chad be rct greater thon 26 bps
ot tha tunaact bsn
The mbgmcsn ocrlcrf sctcn crtstl per loss h not gppucobte Io agnsncss wtsrto sts (0)
lllonthe.
vol~
X Rclnoncae
wghtn stc (I})mongrs ucg} a loan hwnng 0 pe-pay
penaly
Ernpbyee wtN nol be elgble br commlssbn erst% on Ih 0 rebnsnca of an crdstbtg WF)gd ban that orlglnsly hrndcct
loss turn six ftf) rncngts prtcc b gw mlnenco Irnrftng dele wNh sny bsn or Ine d
heutng e prwpsy penally.
cM
(otarl}20'l2}
presS cf 14
~
Ragnance Rphta
HARp Ttsaa
atop r«an«need bsn cornnu«sbn ararat rates sm pw ihe «rend«id camey««bn «chedcfa.
loaner«nmi««bn credg
vYFHM loan of a Freddie Macle fy«ddt ktsc Regaf Retyience Marti}age
rates are par lhe at«ndwd oonnvnlsebn «chadul s WFHM ban of s Freddie Msc Ic Frsdiqa Msc Regef Retinrinca
hkstoeoar Ttiras {3}step Eripre««rein«need ben c««««a««ion crsda r«isa are par tha «kmdsrd oornmki«ton
«eh«du is
~ Th«rgtbnsl Three {I}
gtep Sqisa«agnencad ben corned«ebn crscHretee «m a get @3 hgs. {IArF}qf ts WF}IM
Ifnsncst
«Trsdktcnel Three Q 8lsp Rstsff wm Rail rtlnancad ban corn+i««bn cisdq rale« wa ~ 5«l d3 bpL prFH M to
wt-HM roan«neo)
«Tsdhkkist 'three {)}Step Cath Qul Roti regtsncad ben commission cmdg ad«a sra a gst 15 bp«. {WFHM to
+
~
WFHM~ }
s
iPIFHMban Of 5 Fanrle Meets Fannie MSS Reg Ptua raqnanead ben Colnni««bn Cradg mica Sra Par Ita
slsndent mtnsr1«sbn «eh«dub
wFHM lean of s F sr«de Llso io Fermi« Msa DU Rsg ptus ranancod bsn currents«bn rrodti ireisr srs per the
«tendon} cemnfaabnachodukt
Hon WFHM ban cf s Fannie Msa te F«rods Mas t}U Reg plus roan«need tosn car«mls«km credit saks ois psr
Oie «le«dard «ammo«ten schedule
~n
8.
Govemrnsnt
t.esne {FHAA/A).
wedq rate on Qoren«nant I orms IJndad by Ernpbyas shah foaoiir Iha «tend«el crmsnisdon
8. IfunConfonntng
~
~
Pmduct gol
conines«bn crscgt nd son Ho+C«nfoming teens funded by Employee shel fotber the atandsnf cc« imt««bn
y. Spactd Houelrtf Plottrsms {Send tosn«).
bn rate en Bpocktf }busbg Programs «net other «peclal WFHM progrsni«sa
by WFHhf «
Second my kiaraaBrq} f}spark««mt {Fedaref,gbte or city Sond programs, etc) ahai be psr tha standard commtaabn
«scend
There
nu
comrnkr«bn
clocft
unl
and
irotume
crsda)
cn
the
ts
Inongsge of a ttAp portbn
gndurgng
~eh«duke
ot a Send Lsen undor 556,000 ln bon at«a,
8. Wefe
gx.
Fartfo Home Equtq Loans end Linea of CredL
Horne Equiy loans
Crone««bn cradB rata on Home Equiy bans fundsdhy Empbyas «h«5 folk«i tha «lend«id amino«bosch«dub.
R«gi«nce cornnikr«bn rats to frfbrr «tend«id IAPHM le WFHM rope«neo «chsdde. A nunknure commis«ion creed
pw Hwna Equity lusn at 5200. The rradnssn sppis« tn total for 5200 br a cc«stan«con ef e F«at «ndkrr second
Homo Equtty bsn snd Ibe of cretan
The tcarndng teria« apply to Home Equhy Ines ef credit, tncbrang purchase money, rskrhsnn r«an«ncaa, snd cash
out regna«oar on Horse Eouhy Ibss ot crccft, indudinq Home A«sst M«nogement Accoimts.
Cr«nisi««bn crorat sv«5«ht5hr snd rsirsr
Employee i«lf hs sag ibi« to rscaius consnl««bn cree% for Home Equky Lbes of Crack. The comnds«bn crerat rale
on 8tsnd sbne Homo Equity Una«of Crsdq snd qkso Home Equqy Una«ef Cmett I« tha «isndenf cornrni««ton
achetaeo except gist Ite mrna«««on cr«dg rate on m5nsnco b Ihe asnm ae ihs wF tgd lo wFHMrsgnsnco
erhsraae.
Employee sat nol be ~ Igibie br oorrerrf««bn crsdq on modybwbnf, «ubont|urfon«, equity Ines b employee«of
Wsls F aran I, Comeeny, snd refinance«of rnd«Sng ines of crsda iratitn ons year of ihs crlokist br@ling d«ts. If lhs
since«a ot tha i«an«ncaa Ine tr grower lhsn tha original runount. Asn cornmhdon erode «hsq ba giiren on Ihe
Increment«t «meum only.
tu«rch S«a« I«gr
-
P~ .
WF000549
Ettti atcd and
~
oonsdstkxv crates
I»
lUndL This estbnrts wl5
Itomo Equly Ltr» of Credt I»arne
An hlbd. eshrvNad comndsston crorN villbs granted when
Osroowrsc rocatvss at ctostvt0 Corrsrdukas paid
be based on gro IniIsl ulxsd bskdce ordy {Ieth. Qra amrxmt
Isntoyvo «xf not earned. Ths Ind comrnfasknt aa4I vvt$ bo based txxxt gr ~ Inst ubtcrod
on trace «unnatos
Iten» Eautly Una of Ctadb, Tho Ilnal ulrodbatsnoo (ftrr purposes of comrnhakxt crach) shel be
balance tat
change Is sri
dat«rnbrad basa4 tm Ihe andsvg bstsnoa af lvo bgltlg cydo st tho ond ol gl4 thirrt rsor4v. 5
en upnord ocmndsaton rxrx4 or$ uotment she& Iw ghen booed on 0»
Increase aqurt to or greater than $
aetirrtatod
~ntya amounl of 0» Increase. 5 pe change ts o deeense greeter 0»n or equal Io 563Ko.
conertsskrn crtvdt shel bs «$ ustod downnsrd by tho erato amount of Iw decrsoaa Any usttsd txuonca chango
Ihst ts not Isect $5,IXN or Qrcalaf does not Irlggar e chango Irv gto oolnrntaslon clsdtL
I»
m
I»
se
5.00'sm
4
Tbe mtntrstss convrdaskxt rrsr4 on any Ins of crerI ts $50 regar4ess of st%cad smounL Tho e&nxm ccnsntulon
orodb on a purchase Nne Home Eru4y Lho ol Credt te $500 regnbees of ulled srnounb
~m 4
~~~ms&
$
ExrrnEI7 of
(commission cradt
advance)
Ttvoa month rovtsvv
(Inst
crscyt
Totrd
~)
~ioo
Example of 71vyogay.
Xv's@yk AP$ 5L'tftyr@:
tdtat Taaenncacn
(ccssmtsston crtrdt
advance)
Throe month revtevv
(Inst comsdssion
credl catcubgord
Tchd
~
I,DNL000
473
~fs$
$
$ 1.009,000
$900.000
Srttol Tronsochrn
7&tLOCO
3~
$000.000 x Ca bps
($1pS5
t
~
$7~000 x C I bpe = $
C~
~$
uC(xhn%8iSX WBi5fihcaiv'Ir,''vT(db%GcrnhtsEdti~
51,000,000
$7&0+IN
$7&OAXO x a3 bys ~ $5575
~
IL Wrdspargo Estptoyeo Loans
Czxnrntadon rsla kv learn dgtnstad by Employee for
ot ygrds Fargo onwtes, tnctudng WFHM, shall be a Ial
35 bath potrrts of Ihe hnded krsn volume. Empkryoos erst sdt be dbeotsd Io
HCN5 Teen 000 phone nurr4er. Ttere
ts o Iat 10 bcs txsbrr to refer crxrstdsstcn credt for b»ns referred Ivct kvvd Ixough Iw HOME Toom 000 phone rusnhsr.
t4o lather ccxrsnbatos rate ru$ ustmerc tor wFHll to wFHII regnonoa loans, Ho further commtuirxv rais adjustmont Ior
Wak Forgo Sank toss raburvt«
I»
~
~
Employees must rater 3 Stop Employee L rusts lo Iho HO&IE Torso for tean bxrdngs.
Employee keno, Ihsn h«e vdl be no ocrnmfsston orocN on Ihoao
I the Employee
10, Promkxo Ataat Son&ceo Lots».
Coovmhstonrsta ku hare originated by Employee nnd derived ttorn raf«rats hrxn Premkxo Aust
par the standard comsdsslon credl sctledute,
11 Cnncbur4on Losrt Express (C1X|Lowe
Coismtraton reta al tho crxvtsuctton toss ctoaa sfx4 ho
e fkd 25 bpL
No ur4 CAKR
tk»s attempt lo
Service shab be
sl consiruclon ctosa.
Corvmtsston acct sl he porn»nant bran kxxttng shat be sccordkxi lo Ihe standard commlestcn schedule Inr thol
product, last any corrvrssske cre4I given et conetructlontoan ctoing
12. HuMor Leore
Emptoyass ara rarptrad te redact iha gustier gest tse
ccdoctton poky could resuN h
orkpnata teens ontsf ye 8140or baal piogmnL
~
~
parterre«vco~,
vvshvv
«t
36 days of svs Inlsst suer cats, Itoiascvv ct tte Ios
bdormst or Iwmal tremble, anchor tou of the right lo
QuWsr Loans v4h
Looter,
Emptoyaaa «a required to ct4oct gvv Extended Lock fse v4htn 30 days of
tnxiat kxtt dais, vktsson ol Iho Iaa
co4actton pofcy oaid rasud ln performance corvrsafng, on informal or funest vvandny. oocyor icos ot the dghi to
hase under Iha RXhndad kch CI4One.
se
51
Speckd bbukoprg Progrsrss ond 0pectst Addsndumh
Commlssbn rota for spodel teens,norvvtsrvdard
prodrcts arvt unktue snsngsrnonts
a ptdcobta Program uktsttnee.
(oINrgot tI
patte o N 'la
vhaI be sat kxih In iha
I snchauutvtP-
~
mroaesSO
15. Arnmmmodahm
Ho
~hm
Commhaton
~ ~.
E~
th&4.
~.
un{sea lhs loan comes aut at scccrrmradathm atshra vrNfn 50 days af tean
hy ihe
crsrN wN not he tpven un@ the loan comas oui of ecoammodeaon status un{see
tsytcnetf Safes
by
~
Upon Vahrrtary raamat fmm Employee, and Sub{eat tOVIR4ya CantenL WFHM may SNICI ta htra a ktartgaye
AalcxBlte to anal%i Elplofee rrtth eecratng eddlsnthd lnol1gags hunkie ca. tn such csarc Employee shag no frmger
vrN be ellgttf e Nrr comncrnfon
hs sfggrta for camrra«arne under An cornmtaaurn crsaN schedut» heron, hut
cmdl under ona af Ae Nasa fahs4Atsa sel Nrrth on yre crarent Aaachmaat 8, corrprmaagan plan Arnendmsel rar
Home Mortgage Asaodats, ahsched hereto and Incorporate hy reference„aa N mey be «nonded or mad6sd try
ntnurysr ham fmn Io Sms. Tha appNcehfa cahcduts shak be set forth on Kmtdayorra Aaedwnrd A.
s
tn «hktton. Emfharas may funtarfy choose to soll or sham a pargon of tfsrher comraforyrn oadl st th an
Aarerfrda. To Ae «rtsra Aat e Mortgage Arsoctrde encl Employee agree Io vekratargy ah«s dulsa and soll
canrmt«dans, then cohdy for sass of edmhrhtrethrn Nre canwnhaion shsN be calculated under Ae Emptoyse'a
rnffoyaa ID ruaranrr, and the canmrkratan share abocaled ta the Mortgage Accartato ahaN be mkocfsd sa ~ Nrre Nom
sryrstmant on Iha Emptoyae's canaohstan repeL Dsspga thh ccouunUng mehod, any cammlsruona asmsd hy the
sa a maul ef ihe aranndsetrm spN wIhe Aa Mortgage Aaaaohrte'a arm eamfnys and the
Mortgage
Aaacrtas shay bs reopens{Ma for al poyral and hcams hates an therm «aounlm Ta ho asecavrL sny
ggsarnam Io apNI camfataahma behlwrn an Emptayrm orcf Mortgage Aaaocfste must ba rne otettced ka Ahachnnrd
A far Ihe Employee snd lhs Compansstfan Phm far Ihs Mortgage Aaaortets.
~
~
~e
a~
17. pronrr to Refer,
lo anoAsr HMC or a program spnclsysL or on sny fowl hrrdsd
Cornmtastan crerN on any lomr ratarrnd hy
hy Employee and dsrtvsd ham o rafanat Nam anoonrr Hhg; or a pragrara apsclakaL ahol he yrersad tn
mph ths prefer to ftefer compenaagan plan ddoaoaam altarfrsd berate snd Incorporated by rafemncs, aa racy he
amended ar roorykod by Employer fram Nma lo Nmo,
l
15. Commtcatcn Shadny1Cammiss! on SPIN+
ln any caco whats Emphyse agrees to share ar acyl corrrrrhahm cradl on any Icon arhh ona ar mons okyhfo
employees, tatd caemhshn crsrkt Io ay ~ array«rs on dnt non can eccasd As cammlsrhrn schs4ro sat forA
hslatrL Any ccmmhslan ahadny 1apN can m(cead Ihe m«r aommhaforr level hr totaL Mart
epN la As
mfsrrtng rep fa 54+5k Mart cammta curn cpN Io the jrnalny rep ls $5,000.
~ton
Erramptm
$3M Lose She
fteferdny Aap: 33M a Nb bps Pre hrr to fksfer ~ STS00. Its hrrrrd compsncstton capped st NC000.
hPO Standard tf«fng -53 hPa Prefer ta fkrdar) ~ y11r{00. Fundtny
carnpencaaan cappea st 35,000.
Punrfrrg IISP; 53M X 30 boa
15.
gl
~yon
far E'arly Paymenl Dafouln.
Ercrhrg canaalsstors or other Incerahes on a taan M cub{act lo Nrs candtaan that tha form musl not suffer sn srnty
payment dotsu5 {EPDI, as detarmhurd hy a akr {SjrnrrIA rsw'ew. EPD h dahned aa a hcnowor nhurty deya
druarrtusrk wahtn Aa Cod sh {ajncrome of paymenla comtny dus. If Aa IoNl ls an EPD, ann the cnrnrrraoion cradh
orfgfnat ty graraed wN hs adturda 5 dorrnrrerd hy Iha sabre amourf or the tomrrrsdon mta of pay on that particular
tare, sech@flog EpD learn rrNr Isa avanta 1har rnsarra that lhs cammtaa urn crsd5 wN ho odfrofnd nrrnraard ta
asm hpa for tha commhatan rate af pay on that aagcc4ar lwrlL
.
C. Preearret predacean Performance Scorecard Sanua
Ths pe rhnurnce caracara genus wN candel of tao h{ecurss. crart«ner Lorahy Scores snd Intyet Fke t3uatrry
{fPDIfkckng Scores rat poraonnt producthnc 'Aw Parhwmancs Scamcsrd artk be psM on Semr Ant uet a+res an
peraauut paduchobn vokrmc vrgh re yupup or uad-arrrL Ths parfanrmncs peAxlc ara Jsrarery I"
trmo
30P and tuty I" Nwough December
~lr
3I,
6~ac
~
~
~
must bs amprryad by yyFHM or sn artglata an June 30" and December 31"ta be
Io hs
far performance scorecard sanda aa daarakred beta@. If EmfNof as h cropped hy yuytpr an tha roapeccrs dates
shura hul nat cavamd by Ihla P tan he oar sacra prrhrrmnrrm psrtad, ErnfJoyes wg hs ronctdered for lhe
Performance Rcomcrrd Bonus ln accent ance vrhlr the
Status
Pten provldonL
~nt
~~~~ ~
Salas Assodstsa,
Bonus la not eltghrhr Io ha spN vvbh
Asy sggthhr cosecant Bonua quaMsdhy aNvsr gvs surdor m ssrdoA Nsuangs
Ths
ccm~
oa
~ntaf.
Its adfurc splits hr other HMCs„
folovr Ae standard momhiy
vvft
~
~
The cgsbsnar Loyagy score Bbnttt ls baaed ort ag of the response racotvsd an qgasgona4, 0, and 0 of yts
customer loysgy survey durfng the ssfonnnance period on Noir personal podgcgon. If gtN or mere of Ihs
Ernptoysa'a responses rscdvs gs on ss ovvra questhma, then ths Employee wll he aggbhhrr s uwstorsei Loverly
Is oulpmformlng gut
scant Bonua The Empofss cmt also qutply tor the Bofors y their scars oo personal
conpany average during lhe appl tcstde psrtorotanca pedod.
+
perfonnance pwfod. MonOly
The Bonus Is three
hpa on!he Employee'a hrndod vrdums during Ihe
hmdcd volume shag induce purchase sndmg ttjndsd vohsre. Cmporals Connscitonhrndsd volume. snd Home
Equay Ioovs funded vahsns snd Nnas of ararat ugttsad hstsnra votrsna (es d soothed heroine Bnksrsd out loans srs
~octrdsrL end brans rshvrad hl other smploymm sla ejrcftdscL
~
Loans trued.gp lo a ninanum aornmhtdon hrvsl vrN ha sgggds Ihr an sddghvud Ihrsa fy) hps bonus dudng Iha
performance ported. Loans scHeHng Nst msu commhudtn crsdg per hutn wN sot hs osghts tor sn sdrp annot gvse
pf bps bonus dudng lhe tnufarmsncs partotL Tide vrN tncfude ttmns at&saving a mac comsdsdcn crsdN vrhsn
bongo aahtava Iha mao Carnndaatan+ banua CreCN tn Ccinhhallsn.
mangrp Ccmnfaalan aof perhnntmse
ss
Exemplar 81,5M hen SICO al 85 bpa mangily COrnmtaatcn Crodg n gg,abtt
$1,5M hvan doe st 0 bps ssmt-srnust perfonnance corocard banus crsdg ~ ggto
Monthly comnfsdan crsdh and sartaonnust bonus crsdt» 510,350to itsst
mss ccnvnhslcn+ bangs crsdg psyoul utg squat 810,050
Tel
The IP 0 SCOre Bonus M beaed On ag Of Ihe IP 0 IOOI SCOrea gnrjudaa Canasiad Snd dented IOSno) during tha
pa fonnanca podod on gnrh personal producUoa lf 80th or mere cf Nsr Empfoyoo's Ifas are scored fn a
ourn the Employee wgt he stghfa fores IFR score Bonus dunng iha performance petted crr their personal
pnxlucdon. Green slshn story hs convnuntcsicd Nt vvrtuna by vlFHM sn@ maybe modlqad from gms io arne.
"groan'wus,
~
Ths Bonus ts thme 9) iqrs an Nut Em ptoyee'a Led+I vohsns dgrbqt Iha sfadcsMa performance perfotL Monthly
funded vs@ms jrtng hnfude purctvno and rahhtndsd vohvns, corps|ate connamlan funded volume. and Home
Equgy kutns funded vokvoo and Itnes at oodtt utNcad htfance vs bane (ss described nanun1. Brcttsiad out Mana sra
sxchrdad. and loam mtorrad la other
are sscfudorl
Lonvt uuarpup lou ndnbuum rammiadon taval Mf bo oggltte for an oddahnst thee p) bps bangs during gm
psrtomsrnce padod. Loans aeNerrg Nut max comndsshat cntdg par «ron utg std ha agggps htr sn addghuad Buss
hps brulUs durulg Nlo prufcnnancn pnruld This vvg hc44$ horns sdkwblg a mns commhst(Ãl cnKNI who@ Nvr
nxmthly comrHsdon and parfonrumcs acrvscsrd bonua addevs Ihe mart rnrsmisacn & bonus crsdif rn comhturgon
+
Evsmpla
813@/ hen skrs st 85 bps monthly comnfsston crvdtt ~ NIL+%.
81.8M tean dce rd 0 bps ssnd-annuvf performance mcrmoud bonus cradN ~ NNO0
hhmgfy rcnvrtmbmcradq nnd acm4snnust mrmmhdon crodN ~ Nt
Total rsmt comrrfsaton + bonus crstgt pofogt vrf I squat gtgp@
Etnpavfss
rsovWlng
wiN
be
~
to mostvs
salary, Nre
egttthw
s Wvrcshty
g~
In tutrd
as pc|send prckeson. &ah the Krnftovvn already
to mcsfvs s bkvvsady fsgttw or ggsrsnhed
s inorthty onvvfass/oncrsdq
wgt nrd
bs
ogg his
~
E~,~
~
~
~ ~.~~ ~~
corsmtsston drsrv,
the stsrcgp cpaon boavvr rosy ha
by Ihe 1"level mrvcrgar wtgt
vrg be in truce fora
The
pedod of lhns bsghratg vrtm the Nrst day
spoon mquuss sppmvsl nt ym ttsghnst Sstss
snd an mnonaor, may hs grsnhuf st
the tgtcrts lan of!he ftegbnst Salsa
Ttur
rrury ho educed or
on a Ivor pecyve hash si Iha
sais dscnH on af ihs Employer. Any Icons rs
ahsr the ntrphs san or hvmhsgon of this rattan snr suhjsd to
ths stmvhud comrntsdon sdwduts sst form above.
lt Employee
B a nsvr
~ pprovst imrn Set
vvonrstL Ths
tcl ewtot st
of
lovel nmnsgsr.
~
~
~
~
~~t
rag~UpcutR~Furcgng
Conor{aston SPIN
Fac tash
tats kudt hs
by
Nte hnn of les {}pubs, gs Ernfsayssfsccunr~
As tk loved munsgor on ErRuoycuvs peechnwnt A. Cosvnhsurn cnrdI st As rsso spakttod on Sur Attuchnwnt R
snd et@opted ytht ptacemng dUing the morsIL
ahudnsd hy
shel hs Slush an tnalgtsgs hen
A shsIhe shan rbstng the month ths laen
canurNskcn cntcgt et Nro tats spscitsd on Ihs
fin
sppsaunans.
pN IMn types tturt poy Ouuuds of %le
ommrtssklan
crsrst
hi
an
vudhoaty
llturh
given
tunss. In ns ceio
iuutup aplfun
stsndant Nertng ssucture its not sgssfa fcv Nts Rsglibulutupuncung
tsg~
~
The hsawfng fosn types we srusa, bk nut sg, exrun plse ot hen lypei suchdsd porn sts Qpuorl snd ccrnrnlsdan
orsdb shkt be given psr stends nf Bsn tonne
~
Loans ruyuucsng rsdnsncs wtgun sbc {gt months)
wsbs Forgo to wells Fargo
~
Rstsgonthlp Praduk Leone
e Wugs Forgo Kmplayee Loons
e Referral ta Program gpeatehlu {Prefer ls Refel) ICchrdytg Calparete CrutneC{tan Snd Pragrem Cruuteagan
Canaeted Launc {tfS burn Cergebr, Sur Camrntualan Crods tram lhe SPfdaudanWIN be Sdtuetau Irtrn MWe
~s
hndhgs}
eNSNdtty for Sss Qpgon Is condbfonsd an Eruphvtes eonlhdrp bl mppbtrnsnt through Nre snd ot the
swe pe dad covered by tur Gphan. If Kmphryeds emtoyynnsnl ends for any reason durvtg %e tenn of thor opgon,
canunlwdon cledNs ihsN be dksnntned psr normal Ptsn lees.
sN
~
F. Fse cattsctton.
It h lhe rusoansMIy of the Ewptsyso to colbrct up4anl IHrd party fees cnfudbby, bul nai Nmgsd
uppruhel snd crcdh rsparL Emtdaysu scbnawfsdgss Ihk figure la calect fs e vrgyut vlasdon of Ihe Employer
Emphym'a
ccnuntsrtan
oedg shsN be ed{usted ta account for iny end sN mxgeelsd fees on csncsbrd burns
pcgcy.
loons), ind denied ianna
{jnctucgng bnderud aut
hc
Nur
Llanthfv Volruno O}vsrrtdo. Ersrbtpce Is sights ta ssm s maNy ovinlds bonus an lhs ttrndsd vabune of
stgtbts skes of employees reporNng cyrucsy la Employee c}vsntds rats shss hs dstsrrnlned sech norah by Ihs total
blench Cast Psr Loan {CPL)snd sccongng lo Nur Srthwbrg
hrunchmanttfy Srnded ungs end Ar
R
yes~to
t&M}{%%'».~~NliffNReP."~'{
-%22'-I"",NS-
NK|~KS~40~4'{I-'4~%gekP%6%]
'~'m~tureedtouest'ttse
isirry-us: rue grudteesu ejtrng)AOI
ua srsrie
ev-
e 25
Sg 42
2
Tarot Itnb
I
~
c~
2
4
2
6
thur crech{s}I+ludo funded unbs cutgbunsdhy sf!bible colas employee raper&5 ulrsagy ind budracyy lo Ai
EIIlplof so snd Sur Etnftoyas'I
praducttcn.
gpsdsl unI orsdN2yf ruhs ers ss lbllaws:
~
Koch purchase unb cours ei ruur {t}.Koch rail uns caunt
~
Each pcshv fo refer tstcntds 'lo stnpbycM urho ere nct tn
e
~
~
QPJ
Era/&yes's tcunouy shel bo cm dtsd
ss ans {t)
unb.
caruruuceruuperm uuuvr rturN be crucscact ei ane {l}unb ln 1he monA Iho canurudhn ursa funds wxt «ne {1}
ung tn lhe mortA As permansrd losrl htnds,
Losni refsnudta Ar Corporate Ccruuugan ptsdanu ihiN l» crichsd si one {I}urdL
Hams goosy hons fundlkt ss e Ibk deed truk purchses mortgage vrII hi crsdrurd ei ons {f)unN. tco unhs wlN
bi aroched far any alber Hami Kauhy hens ar Itnss of crarNL
tto ungs tvtf bs c/NBod for I!uborsd out ktsns.
If lwa or naca sshur rptayees sptt curnrntuvbrn one lain, ths unit tall bs crscstcu htr yur solos
tncgcetsd ei Ihs primary Hcrns Morta sgs Consugont on sur burrc Ths unh crscft chas nat bu ipth
cast per
~
ss ans {I).
Nrs
~. ~~ ~'S~
~
Loan Includes direct snd tuytbnsnt msurnss. erect snd fufIINmsnt supsnce ls aoftned os:
4 c}vururns {nk bututsng roses or SMs} u sszursts h Tsuuu u Tarsi No+carnp Kvpsnso {lnebauc
kc.). duos rud
ar carrvntmton
t}suucss
I
Fugt vaunt cast tdocshuut
CPL perfarrnanCO
li rnaSVCred
ii S rabup
af ig the brunan{CS) SS bXlteked
Cn Nur
jgISCIVaant fL
~
(hrs!«do Caaadsgon
Ths avordds rum at»g (ro spp4rt Ia If» martHY
tunrfmf v04lla of
ellggjfa sated af redy 'Iholo smpbrieso reportng
stomach.
Formrmapla, if Emttayoe hes a Salas piano«sr rfect rspcrL Ihen Ernptoyve le agtybhr lo esm
on
but
net
Iho
hmded vopnoe of lhs altos nqdayeos raper«ng
of
g»
Baden
Idanegsr
volm»
4ndsd
«»
lo Isa Safes Manager. btarrydy 4aded vabraa at snpticyes'd dtrord rsporh shag frrrhrdopu!chase and mg vabrne.
Srobarad md loans and Enqdoycira
Corporate Carrnectlon volume, and Hmae Equgy hens end Ihee
outride tbe nnpbryaa'a bmtbny ma
personal y«nose«one mo aacLrdmf, and low» refwred to
~
stree«y to
ovensto on
Ya»~ fteronrlrsdanor
Alho end of hs
CPL rCaavnn A k Sl
plan year, 1hs ever«de ws bs recant«ad baaed on
branch(s«L
1.
Madmum
Reqyaaaents.
~
he
~
lhal yesapodsts cpL level for he
~~
for the YomEmployee nwst be employed by yvFHM or sn ssdete an otacamber 31"lo be egglbtv lo ba
by vYFHN ee Ihel dme but nat covered by thta Hen
~nd ttecancssson ea descrhed brdrw. It Enfdoyse re
br Ihe Ycanend itscancgagan to accordance wgh he
hr hs engm calendar year, Empbyee wR be
'Empbryn»m smsra chan«em'ron pravtdane aa am err% lnhe pmn.
year~
~
Ihe Yasaend
Detonrdnlng
~gao
IL hen ha Ennttoyas shag ba adg«do fcr an adrjgcnal ovsnQe
vma patd Column A cd ca The adckcnst overrHe wig be equal ta ur ~ tundad
va4!ne la that aaanh muNpbed by the rssvmnce br lhe ccturan A and reise br he ung ge! sctdevad hei mrmh.
rmxncgagon Othe unit Uw'.
Hats hara b no
lf sva
cpL taeug corresponds Io Crtunm
fram any prior menthe the
year~
s
year~ CPL revug aonsapondc lo Column A, henha E!nphqnm shall accrue oa ovanlde dahcg gars sny
rateL The dsgcg w% bs squat lama hcvded vo4ms @hat manh
many» the Ernpbfee waa fvdd crdumn
mu«thdd by ho dllfsmra» In ho Cafrrrvr A snd S else hhe un« gar ortrb!ved ihsl month. Hate «»rs la no yew.
~nd raconcf ladon al Ihe unb ger. The averdde deddl wig be an uneorned advance ihst vN be sub«acted from any
rmnatnbrg usetarty vFM saws far wrtch Enqdayae Is oyphle. and any mmshlng dogdt shag be corded knwred and
aubysctod from sny q!»dsdy vFM So!aureole Ihe fdla4ng pbtn yea; 'fho ovenido de«Stol»g nol bs subbsctad
baao salary, mcnNy ovenfde or cammlerdcn peymrvda.
tram
If the
s
prtar
~'a
Ecarn ala:
Branch arhhnvre yr»send CPL of gJgg end ls agggda for Cohmn B rates hrr
4
'vv
'~
2
i~;st!F"LIE
..
2 r'Ltg'I
.& .
"mare ev aE'%$7: vw.'W Is~'Jr'.vr!r~ ea; ec .Irrrvlhc.svv
I
Jen 1 Oct 31
lg bce
0 fAI
lwr I -Nav30
ygbte
2
2(A)
Oec
Jwr t - Gsc 31
S l5I
Td bca
-
Oct
Hov
'
al
mace
'
fqg«ii i.'0~4IPOI-'j$
vvvwv'Fl&
3 1st
tv~'.av.'throat".w
dtSI
'
3%1
0
In Ihe evsrnpte, «» manager ta alptble far on ad«sand ovsrdde far 3» mo!ahs ot October end Hovembar. The
add«coat waukl be 3 ape on October Itraded vrdurna ond 2 cps an Hovambe r pr ndvd vckvarL whgs ihe rearm(to la
pm«ed la he «rH «voe mange. an acbrd racmrc«agon would apply Ia each month d iho pbm year (co!nn»scrag
Ap!y 1) lhe n»nsperwsa pekl Cotuarn A raise,
H. tdonthIv vshme override gmrt4l a oattan. tf Emfdoyes fa a naw empt oyes af Emppryer, lho ftagkaal sales
Manager may aopmvs s guaranteed vctu!ei over«de. Gusranleadvahrne ovsrnds vheg Irplc&y be 3!naca Ia rknvty
dsfv, sl whrch lane vtsnrtanl vo4ars avsnlde prowskuw epfty per ptan lerma.
for s trnged armrunt of Erne for a nmv Bmnch grdce llano«or ed fcgorm: A
guvrsmeed overrate shat be oalrwrr aa a narvreovervhi ~ reanssy va4me cvenare wr»reby Employee rvcsrvm awt
amount wrdchla the tpevtvr ot ho hro, dansant vctrrne cvwrlde as vm forh above, or he
rncnhty
ovoadda, he ascend pot pssad ol each march.
he ttrvtard votarae orenlde Ia leva han he guerardaed rrrarrlde,
rggemnca
nal
confed
ha
ia
over Inio he fagmvjng monSL
h tprtrsrdead ovsetfs d»g be au@orbed
~
I
p~
~
2nd pdymonl of 3» gt»!anteed vcfraas override thai bo made on 3!a second pay polfod ot ths rncnh
E!vpbyevrv start dais ae a smncn Sdea Manager. h srcardsnca wRhhe
payment scherhde
lar voklra ave!lido,
Hras
hat the
he
Peda 10 ar rd
WFO(f D555
For Esrsnnkc
~o ~~
'mpioyoo fs pul frs 5 gubisnfeecficfursa ovdrrfdo of BIN frr mordh papsQi ths tse))isy polod of each
'onsrrn¹ng February t of An csrsponoslkw plan Ysok. If chrfinp fho
Iha Ibst dace moner or
moner of
swndod vckons ovaolde le 5200, Emtdoyee wly rscahe dm gmalsr gcmrsntaadmongsy
Fobnwry.
Smocrd ot gÃKL 5 Enrdoyoa'o alandanl vcksrw ovonde 4 55I)d'or gw rncnlh of Morctc Employee shel mc¹ve the
5500 slsndsnl ovsrdds payaQS pw ascend psy ps doc of April Swnkw tn Mey. Ihe ovsntde is no longer guaronlood
revots bach Io lbo ¹sndod vctumo ovonfds ond Rs v
smh
v por iqsn IormL
Iho~
I,
~
j
I2usrhntr pun'.haoo Unit I Purchasa vniumo Bonus.
p1odded s+blhy trill ~ ars moL Empkryrm sho5 bs oggkds to receive s poscs¹sge of the brsnchss'cksne
sg¹nst Ihe pofannersw d yw branctvw os kvgc¹ed on Empt eyes's Atlackinod A,
~
55nksum Roplrwnods.
Emftoyes must bs employed hy YJFlbf or an sBBsts on March 21-".Juno 3IF', Baptonbsr 30 snd ecernhru 51 fo
bs opygde lo be onstdsn¹ hr Rro tusrtedy Pund1~ Unk) Ahchaso Voksss Bonus (Taqtwso Ban~(krtgst
50% payout) sa dsecrkwd b¹or. Enpkrycw must be oopkrfed by VfFHM or an SRNoW on pacsmhar 2 t to t»
~ROWS io bo
for km year~ bue up {Rnal BNL jayccs) of 51~ purctwss Bonus,
Enqdoyeo ls omtdoyr¹
by uvp HM on Ihe rospocdvo dales above but nol covood by Ihk pion kv gw antko calendar querier, Employee vrki
bo considered for gw Quarlody Pur¹urre Bonus ln occontsrco rlh tw 'Enqdsymsnt BI¹us Changes Pum
paHslare as sel forgt h Iho ptoc
1
prcrvkh¹ oqptssty crssrw wo ttrl os Ql krrh, lEmfdoyoo chsR bs slshts to rscskm ~ poundage of itw branch(os)
voiioe as ce4mlnHby Ihe scheckde prcsddod dier end
performance d the branch(es) as hdkssed on
Emokryoe' Agachmenl A Psrtonnancs b msosurad as a Iobup of SR yre branch(as) )sgsh¹ m4 up gcstL
ls
If Employee two alr Incsndvs poy 1/sch shcrtooo on Iho lnti Purchase Bonus poy twdod br Iho fusd pbrn yoru. 5ro
shansgo shel ba an otrancs psymsrs, end wFHLl rssovss Ihe dgtd Io offset thts advance agakwt liw trust
Purchase Bonus onount Rsr dro Phm Yssr
Purchase unit end purchase vo4ma for purposes of dsknmksng Empbyoc's Purchase Bonus shag be doknod so
ks¹ branch vokmrs (In¹uding parson¹ pnxhctw, chroous and kskrors report hsvdngs). Purchase unit snd purchase
vokrnw v4I bo sskststsd by yw Fkwncs 0~marl for tw Cons mr»sscn Flan Year.
~
Tha
Bonus h dsfnnrllnod by srou¹ pcschaso IKtt or purchsrr volans thshsr of purchase
volvnr) farina bnrnch(ss) snd the lo0owlry bonus schodtso
;
20-55 unhs or 55NM
- $1RNRSl
50 ~ opurtwor,
Bffgltl- 52499MLI
2 bps
S bns
or purctl sso
jt
50 unks+or
I
525MM+
5 bus
Hoke Rooutis ~ ro cumutssvo Yft) roscSIS. For mamp4 kqr tier of 5 bpv ls 150 vnka sftsr
05 results, and 050 urSW assr CS rovuhs,
~~
MARI
02 nrsuks,
2yb unks sksr
~s
Empkrysa w8 bo skg Efa fo oorl Rtty psrcod (syt() of Eoqhryads pcssnysl quanoty purchase borsst bosad orl yasrts.date produqpcsr rssulo Ihroush the snd of gro hns day cf sos asunder Cosrisrs sndng on tune MF ond
suotsmhar
an4 vns be okgibkr io sam one hundrsct pvrcsnl (1 ccrjL) ol iho
Insvnckd qusnnrty
bonus bas«t on
pmducgon resuke tscush!he snd ot the bsd dsy of Ihs c¹sndar quater
~ndtng on ocornbsr 3t .
~,
yosr~
~
~
Ths
bonus shel be kuodup sl yw snd ot each
querier based on the year.toddle purdurso
rssukc. If dw purchase Bema sua board an ynsr todatsmsutts ls gmsrar own acsstl purchase Bonus paid crouch
uw snd of yw os!ender cpnrrtsr. Ihon yro
purctwso Bonus Cfue shelbo paid no lstar hcn 00 days fdkrvrkvl
5» and cd Ihs csisndsr 1pwdsr. If yw sctuol ptschssa Bonus pakl fs grerser than the ptschsss Bonus, for vrtfch
Ernpkqnw Is sfgtkls, based on tw
rrwuks. Ihsn any oscars shel ba an adnrrsw lhoi stwk ba cordsd
fcrvranl ts 8o foyorrfng quoter snd lrtrach¹ from any fvturo purchase Bosus urcy gw ortho advance ls
Any edvsnrr mrnakllng ot phn year sns r% bo carded ovsr lo Ibe nsrs p\o1 year old subtmctsd Rani lrkas
Purchase Bccosea
yar~
f01 sruko IS)
psas ft sr 15
~.
Bwcn pshs Hot - PnrCrvo'nl
%Vj0005$6
t.
{greet S indirect ftsaort
Pa~tea
Bc~
Bonus,
~
scaraowd Boriua vrw aons4t ofhvo btscyvsw
Lorcvty Scores and ln54l Fge Quagty
5pet) ICsung Scores on olracc 5 bvyrad rspwta. Tha psaraasnco Scnrscwd vCII bo pHd cvt qcaurarly scores on
direct snd hvgrsct report srducdckn volcano wytr ns truocar or sue4eva
The pcvconnwuN
MIOICsan Itscscbwnanta
3t,
.
tuna 3cf', Soptemkw 30 snd Dacsmhsr gsa
Employee musl bs amphryed by vvFHM or a1 astlaca on Leach
Io bs oonvkhaad for Podonwwos Sccvasard Bonus sa dcocvgr wt ba4vr. tf Employee ts smphryad bythrFHM on gur
sspocuve dates above but not corwad by 514 plan ior lha angra pwfonaanco pwtod, Enrphrycw arll ba ccnsctwed
for Iho pwfonrwnce cooacasnl Bonus in accoafsnca vith the 'Emp4ymant Status changes plan provts4na ss sat
fwth 4 Chs Plarl.
cuccomsf Lovsllv Sacra Bonus
The cuatcmw Loysgy score Bonus 4 based on f5 of gal raspsnsos rocaHod cst quasgons s, 5, ands of Iho
uasarnasr loysgy survey durhg Iha paracnnsnco period on lw Emfaoyas's personal producEon, dhacL end bvgnrot
rsporla If IN% or mors ot the Errtgoyes's pwvonsl oxccbco, cgrscc, snd bagrect report responses receive 5s on sg
Itvsa quaagcns. Ihsn Iha Employee vrs bo sggtbhr hrr a customw t.orshy Soars Bonus Ibr tha pedonmwrce psnocL
The Enagoyee can also quwffy grr the bonus If gvrb score sn pwccnsl Orducgson, dhacL snd Indbact reports ls
avwage dunng Iha pw'latlnwae psr4cL
ougraraurnfng Ihs
~
Tha bonus ls ww {s)bp on aa E mpvrrsa's rgract snd lngact raporbr 4adao volume during Ihe psrfcvmsnca pored.
Monthly hrndod vduma shel sufuds pumhsso snd rag hndad vcdrvna, Corpcvsta connocgsn fund ed volume, and
Honle btusy loans graded vo4ma Nld grise of clocsl Ulllhsd balance vohaaa {ssdascdbsdhsncfn). BrolNsd out
personal Isnsacccms sre sacsahvL N1d loans referred to Napioyasa oulshhr 51o Emp4yos'a
4ara Nld
Isrckory
~'s
Na
cvcckldscL
The IFQ scars genus is baswl on all of Iha IFQ grot scenes {Mudss csncatad snd ctsood loans) during tho
perhrnanca parhd os ths Errployos's porsonst Ctuc541L diNCI, and hd Vsct reports. If gff)L or mora of the 54s of
Iho Step)eyes's personal producgon, cgrscL end lncsard reports ara sosrscl 51 e glvory alahrs, than lha Emp4yso vrN
be elglblo for sn IF0 Score Bonus IN 5N pwgrrmanca pcdocL chaon stshs shat be commun@sard br vrrgtng by
VVFHM and maybe lnodgsd hom 6ma io cane.
'fha bonus ls cna {c)hp on 5N Erap4rss's dirsct snd tasrsct resorts'vncfsdvs4rna during the pa fonnsnce pwhcL
Monthly lunged vctcvna shag Induda purchase and reg funded vctcano, Ccvporals Connocgon IUnd sd voturncL and
Home Equip loans 4nd ad v64ma snd snas ol credg csgtcsd bstsnca vo4rse {ps dascrtbwt hash). Brotcarad out
4ons and Elnployss's pwscnal
aro cuc4dwL and burns referred lo amplo}ass ouhtda No Emp4yss's
INrgory aro sÃc4docL
fr~a
Sscffon V. PAYlifENT SCff Ef)ULE
~
A ttsnoraL Comrn4a41N
stvrg ba paid cvr Iha last pay pwlod of each monlh baswt on ths schrat functng sf
mortgage loans by Emparyaa dudng gur pnrvtoua monlh. Tha SarrkAnnual Pwfonnarvs Scorecwd Bonus on
psrRxwl producgon shag bs patd no tslar gun OQ days fof f7wtng Iho acct of 5N pwflxnlanca parlocL Monthly volume
ovsrdde shag bo pcud Nk ION pay psnod of each raonst bcaad N1 ulo schist Lrtcgng of lnortgsgs Icons by asglblo
ss4s
ntporgng cgrscsty to Employee during the prav4us month. Ths YON~ ovwncta Roconctlsthrl
paystso no later thwl gg days hors Iho snd of Iha p4n yvar. Quartwty Purohase Bonus ctus, 5 any, INN Smounls
paid In drsvv par plan leone, shsliba prkf no 4tsr Ihan to days 45ovrlng 5N end of gvr psrrorrcanca perlocL Tha
Qusrtarty Psrfcln1snco ccoracod Bonus cn cgrsct and bvgroct ropor4 production shag ba pahf no 4tar gwn 50 days
hctovcng 5N snd of lha parfonnwxo panwL
4
%F06{)597
~~ ~
~
E~~ s~
~
I,
~
when lncandvs Pavrnsrne ere Earned To sara
bonuses, or ottus
under gda Ran. lbs.
Emtdoyae rruet be acguaty
by Iffsita Forgo fhrough tha data
crsdb fe granted snd
ths
snd ef the spy%cable perbvrmerme period, unlace cAerwtm wcpreeety provkfed ln Ale Plan or requked by sppgoebt»
herr. Tfds Is an a%presa
of ssmhQ tncwgvaa undre ttda fqtel, Nba@gone purpose of Itda plan lo provide sn
Incardhm ls Nw
No mrnan fn
wIA Ernpfoyev. TNs cond@an «feo recogntras Nur Eraptoyse'a
ongeng)ob mepon~a wlgt respect le Aa closing ofk»ns on whtch As Ervfuoyea may ha afglbla to racefvs
rummlasfansdrusedhrsa.
Aa provkkrd In Nfa Pion, tuwm
end other krcengves era eedrnalsa when pal@
or are aubfect lo
attar they am paid. when pekl, Aoas commheona, bonuses, or oAar InnstUIvse afa
ddvennra of
waosa and wa aol wsgaa trwt pw Employee haa canted. Tteee tvhmncaa eve nol earned
untg ager stt fugukrnorda provktsd for ln Ate Plan tuwa bean
and trnplamantsct, snd ths other farms and
c~ton
rtar~a
~ento
any~
conrggons of As Plan have bass eedrukrd,
A. Yyithhokttno Yovee. Efepkryar chait deduct flora ON peymenh under gee phln en amount ecoea5ary to satisfy
hrdersl, state or local toe wknnoidhg mqubementa
Theve ohilgsQona wtk he vfthheki bom the Enqdoyew'a
compeneagon prior lo paymonh
8. Ite tbuerantse of Erne~
pargdpaycn In NNa plan doss not coneuhfe s guararnae or conbscf of
smtuoymenl wah yuFHM. or pordcbragng snpkrfsr. such parBctpegcn a hat h no wwy Interfere with any rights of
Vfptfbt, or pergcbnryng ersfduyer, to dsterrntna ths duragon of a portkdpsnfa ampyyntud or the terms anti oondtfots
of such amploynwnL Therefore, each Ernpkryse aha N rsrnaln an amp@yea-stag at aN times dunng the du@dion of
amp ioymenl with Emfdofar.
~
c. plan Administration. The pkrn Adrnhlebatslla tns Evp. Human Iqasouroea for yyprt M. Ths plan Adrakdetndor
hss gw fug &aecresonsry augustly to adndniker, ktesrtvel end mneauo the tonne of gur ptsn, The plan Adrnkdeastor
msy, et any N~ dehlgslo to other poraonnaf such raspoaearcftoa sa N conetdarl to tte approprbus lo
ths
day.toeiey adndnteba don of ths Plan,
~
9.
Anrandmant end Tannkwffcn of the Ptm. The Plan Adndnhhstor, wbh approvaf of Ae Head of WFHNN, may
envwxk suspend or tenntnet ~ Aa pkm al any Nme tur any reeve, wlA or wllhoul nodes. Iqo amendment, auepankon
of kvmvraaon of tha plan ahab adveraky affect Era pkryeda oommlesloNlrcandva pay earned under tna plan poor to
the etfocgve dots of gw smendrnank
or lennkatton of Ihs P lsn.
E. f)taouts
ftesofution Process. Tha Plan Adrknhtrator heath! suAorfty to raeotvs eg ieeuas arid dtaputea
nrhrrod to Ihe plan. NEmptcyes begovae grat htwher rvunnhvkxvbonua
or olherllcanAw pay te thconiect, either by
befog overpaid or underfwtd. Em pkryee muol Ntve wriban ncdca of the anor to tha Phn Adrnkdekafor (or bo rfetegka)
wntfn dg deye attw 6mpbyew receives Ae Inasndvs pay Employee betknres to be Incan vct. The nodes ehoukt
tnc4dp cstcufadoaa or other nkvag facts sup porgng ths request for review, yybhh 00,{faye, Nrs phil Arbntrfatrstor
(or its dkegsbr) vfg review Aa raquoel to determine It Ihore ls an enor and whether sn tuqustmsnt la approfefala to
oifeel Nw enor. To the ovkue an arNusbnent le spproprhh, Nra adjuslment wfg gonsrsay ba made wynkt dg days
*bowing %e dotsnrdnelke, Alt odalcna hy Aa ptan Adrakdacstor wNI be Nnal, anctuelvo and tdrcÃnp.
F, Adachrvent A,
Atlachraanl
hite rirro
AN
Agachnvrnt
Aa om on-Nno for etocbonk ueoga and sign off. Pogovr Ineuucg ore on tho
and baqusnay asked quealorw (FAG). Ths Nnk to Ihs Acecrereat A'a bc
h wabaN e for tnttucdona
a et on.wrhmsreneelead
wege feroo.curry
The genus comrnleekrn Accounlbg cualomar aervbe number
Ic d1LN)d-yedd.
EV ay
llew tdto.
~1~~~
CB
gf..~ III')ll,
CP
~~ n) N %.tff »B Sc 'W:4P'
~
~
EIINO, «ra«ahly ananhah» en»h ha
Paaknn odfda itttds Fargcd
ample)oarsmen»
taadtd leans hc'Ihs pack»n hyd ha y»
Inonth, aub)sct Io PI«i 4nsa
Ttbt¹fsr h, 0)E
pot1l
Premed)on ln
thnnkuno boaacoaa a r
at that dsp ef Sa
Pptn ya«f
ot P¹tmotfcnf Ckft
T~
dftccrndnree Phrt
t»nab»dan des ta tcsndot sr
aoonatt»
pdosraroktatt
~
Ef able for rnanhlycacwnkrtkrn craft) for
~aa44 Ianna wikh hmd wbdn cary C)O)
daye a4a hsnetar srpnanath» n» V S
poalhec enter«i hy Ihs PI«h or In
wkh
Fags tar 4»
alfie hat prccnaee
«nphywf wsrlacm
yyrty f)0) day p«lent kaknrbs
tntna¹r or pntmayan.
~ ~~ ~
fcr
Ettybar kc mani@yearn«ncchar««la
~ IINa leone whkh kmd wahhr yuny IM)
~ayaoh«4«uaakr» Of a
---- wkh atda law. Its w~
«4
~p
Td
'Er
a¹to¹
~4nkwaa.
hs
Vcoon¹u¹s ptas
thais yshadart
Sanyndk¹ofa a r 4 Est
he Stet at caiarhry
Bt tfifrrM". R ttl Bt
thar% loved he Pwawa«n» ennacora beaut
«S he seceded let IOBIS eagkrk 4nded lees
aaho» old aooros lwsMI cccfansnctfQ
inmactawtt span he astcyus dals et has, penvar
to
or perecthrn hhr en ayakte poddae,
Crack Inwact Ihe P«f¹maaca Bcarec«d
8¹ sa
vS be awwda4 tw yakty) eny44 hmchd hroc
Mrheaa aad oc«% tacehed Oasuyh ISO a¹ccdro
c cul et s paewarc
do4 V uonatv « i
csacred by Ihe pine, suttect lo P4n leans.
Eafaoroe»morn «npnrye4wlh yndh F«ge yrr
Ihs nstonrnN pef4nnaaos p«fod otoasdnft Ikr
nlcnay«C
kanefar
¹
y chfect to hsnattr4 «sda Invcod ho Porto« «»e
w y«nw wil ba sverde4 4r Sdtty) stable
hlndwl kaa satan» and access touched
spall ylo aafÃllts dms of
~
~
hda y» lsl.atkdtaa podyeL
henttat K
~ lb)act ts Phn tetma
Pha atkhis he Perfonnaaco Sc«scant Scnue N
Empbrrea b aat «splayed an Aa» 3d'ar
plaeleerw
unlo» Ernpkan» tales. (See
h~wsry»
J
arech shall he «e«dad tor 4ancwhkh keel
rnaca than Inly tag) days attar I» dale of
ot accptapnocL
~sloar
4¹srnaak eee Tbt¹snwnC
bshe. I
fnuctuntnfy Term)nabs» for
kttseomtuct
FalcNIO meal adntlutn hlaoccdc and
Hol sigNO lnl p«tcamance ba«nance Borne Nd»
Eapkvjm it nct onpkted nn tur» If'' st
Ctuakfftnb Kuant itndat
Salary Conbnuobon Poy
Pfsn
lnr
Eay ate lar maathrt
~table lease whtch hmd wthtr holy)to)
date once I» ond af hs EmphrrcVO r»yco
~
4«n
«embay
it at)pbta St
~«ec¹
peded.
Plan
udOab»km ca» to e uadfrfls
~rwd cotter the p)P bakry
cheat»a«st Jeep plcnfnedcct
~I Ihe Sns style ararat
Onadt
or ttobfcsr»nP
Apprcnled Leave
~
~
~
twaacemeate Eccta¹Bm Encphyto lram
~andny oarnponaayan und«ha p4n. No
ccats anal ao mrcnfod
lnsnyuy
lar Iaeaa whtch hndtnlha oranh V
talma»tata
tNcemh«)ta h
~
wahine
A pncae4 chare v Ihe pars»a«u» Sa«nacrd
Sara» wd aa nacudacl k any. snead on yNS)
econ» and kcVICta thnwgh y» cehndar lnonh
that arckdae Iho en4 et mptsyoaa nake p«tad,
ar Empkeaa's oatate. «S he p«d a plo.
rata choo v I» perknaenca bcnracnnt bema
baaed an s ytkad accuse and htuynya Ihrcwgh
Ihc and ei ha aaknasr moran In vtuch Empt»
dha ca
Elgtte 4r mash k
amdt hr
saoh¹ lease whkh 4ad «char aasy f3o)
4 eye aller Emphryee daa ca rettea, tta
aelealce tradk shay he avaatcd ha lear»
whkh 4 ed mcus Ihan hiiy fga) dale ek«
y» date at death cr IH»rn«L paya»m ws
ba n»do IO Emnanuth Ca Enatrtae'a ae¹O.
ttannst
«vdl, y anr. Iar Pisa
4«» rda cardnae dudny n» leave.
acchrrs¹
Pay»cased na PTO 4 ra«acr Pry lcu
~tanawu howe kayaryaa well acne
tta rapan Ia O» Pamanwwnhwmc«d
wart»4
N Empltyao
Thk osauet
ware nal letty aw
4 adroaed
agchst
he
the
8«» bnna,
$
lehea.'tgbyty
for yal Pe rlomc
I
im»
~
Saws wk
ant, hated on SCES) eccaac «al
bacynye danny Ihs p«fam»ac» padad.
~a oversea,
tea»a
Pf O.
ccedw riess¹ cNINOA
ctacS, y any, per Phn 4tms s¹cerfyncw
dwgct aopmcepoatt Sne oy
Pago
Ia el ty
WFM0559
~ ~~
~ .~ ~ ~,~~~
FCV'~ Of «V« &~«s dcdned ep he le n~g e S
Ydyeer«of««rctcch Pj ss potstd j4ll one pdbd ciidtted br««Cb
aaoh ~a '~ poor erson«cab a t«S a«w «$ acth coca
FS«rh
For purposes oyftdofrtarh
Of
~~
y
~
Ofterleydhkg
camptsted
«gaper
yaer of sanfccL
4» Oerttar Cd@ ipe Q WNI
«ndqnd poht dredgedibr
mon» Q Empfdpoes mcctbt cyncdtc» of Icnntatfcn by Encotcpef ertchs thun t)
Ernpbcpae'«««be«cad fhbrro le «Id»Nrctfctfy fnnfonn Ernphcyea's)aa I«cd«eh «hey rscmpd of wrgten noose snm
Emfdsya oflha frcufbcn»nao issuae; bp Gcqphcywe'e aawk5m ot e sr«no Ref
cectu«we
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withe ttbbla htt s tice Iota
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nkwtw lamas a oprovod Ioave.
hsvo,
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'For pcvpaass of ttcfs plan, tlat vernant ia dchrad sa the tsntdnnttcvc af nrptoynmnt offer machtng ftts esttthr af aye 55 wytt
to tests of satvfcrr, pj ty potitts tirttn one pottt atsdtsd tbr sash corcpsttad ege year snd one posit ctedtted tbr
each ccrnptcted yswr of wn4eg ¹'ap age tta whb anp ovnptbhtd yasr af ca@fee.
Far ctrpooas ofgita Ran,
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tdfsccnctucd or cease means
Emptcyes's mcefpt of noyes of fsnnhrrtttan hy Etnptayor srtatny
I) Eunptcryaab canynu¹t AAro to aubctcntfoty perform Ernpfotos's job doyen, aPer tscs Ipt ot wrttcmnoyce
frets Ertifcoyorof Ihe perlbnnancottsoes; zp Emluayesb canvtctan of s crtns Ivatvtng dtohonosty or hmscfr af intat
arntcney foundering,
nf a felony, or oommftcdur of s ciftno af any ect Ibst mabro Empties btetpMe far
hcvn
etnptoyrnont wyh yyabt Forge; ST Empfoyaeb vtatattanof
pntctea fnctucdng, but nat rbnftod lo, NsCs
Fsrya's cacb af Etbfcs snd thndnesa condltct fnfhnnstiaa soctrrfty paftcy or cantpysrse snd lttah
Itsneg ament
caooodtrbdty Fattcy; q vtctattan of afshihuy. myutshuyor sny ather carnptsncs rsctuftemanta spptcshfo to
@nptoyai's huatnuts scttvtyoct @»bvsoctt af Emptoyaoh Entttoycnotd Aymamanl or Trade 6'screlc Ayrs¹n std vith
Empteyw'nd ag echfbttr smf stledunenhi ytetstcX SncAtr ftt baaerhrgyrrrrs acitttdo af Etnptaysr orans of tfs
oyttstss vtartrcwt
pnd approval
~~
comrnloslcns snd salaries duihto snon Term Dlsnbtslv tBTDg. Kmphcyeac are aogada la psrdctpale vt Ihs wobc
Fargo s camp any short Tsso Dtaebtfcly plan yhe 'sTD ptacf L Dered STD ptsII rAcrrdtlce Ia svstabls ln the
ttanattc ttnoa for tarota Fargo Tacan ahunbats or by cshhig Leave hlsnegarrvrrt sl tie HII Satvlca Constr. 8TfHRvvELLs tl syy~-tdyf),
ntdayvtc musl uaa pTole covsr Ihs ttfD Phtn's cavan day weeny parhciL
For the pouted fn whtcti Ehc phrtse recdvos be aetio undhr gw BTD pts n, mant Icy ca nmloslan cracnt sttt curlicue.
Than separately s STD benatI poymsnL
Iattot tta lc)