Renewal Commission Reward Plan

Effective Date: May 1, 2026

Last Updated: April 14, 2026

1. Introduction

This Renewal Commission Reward Plan (the "Renewal Plan") is an independent compensation plan established on top of the Affiliate & Referral Program Regular Plan. It is designed to reward Affiliates for fostering long-term Member retention and actively supporting their downline organizations to renew their Plans.

All capitalized terms used in this Renewal Commission Reward Plan (including in the recitals) or in any notice given under or in connection with this Plan have the same meaning as those defined in the Good Driver Mutuality Club Terms and Conditions and the Affiliate & Referral Program, unless expressly defined otherwise herein.

2. Transition and Expiration of Legacy Renewal Rewards

To streamline the compensation structure and ensure fairness across all Affiliate levels, the legacy renewal reward mechanisms must be transitioned:

1. Repeal of Legacy Rules: Effective on May 1, 2026 (the "Effective Date"), the legacy renewal reward rules, specifically Section 5.1.2 (Plan Renewal Rewards) of the Affiliate & Referral Program Regular Plan, will be permanently terminated and repealed.

2. Invalidation of Prior Arrangements: Any prior special renewal Rewards arrangements tailored for L8 and L9 Affiliates (e.g., searching up the invitation relationship chain for the "nearest" L8 or L9) are entirely removed and invalidated as of the Effective Date.

3. No Grandfathering for Legacy Rules: Following the Effective Date, no new renewal rewards shall be issued or calculated based on the repealed legacy rules. All Plan renewals occurring on or after May 1, 2026, shall be exclusively governed by the commission schedule set forth in this Renewal Plan.

3. Definitions and Core Principles of the Renewal Commission

The core mechanism of this Renewal Plan utilizes standard generational structures.

1. Physical Generation: refers to the exact, unadjusted generational placement of a downline Member within an Affiliate's organization, based on the locked invitation relationship chain. The renewal commission is paid based on the Plans held by the Members in these respective generations.

   1. Generation 1: A Member directly referred by the Affiliate.

   2. Generation 2: A Member directly referred by a Generation 1.

   3. Generation 3 to Generation 7: Subsequent generations of members flowing downward in the exact same manner.

2. Paid-as Title: the title basis that the Promoter’s commissions will be calculated and paid.

3. No Dynamic Compression: Renewal commissions are paid strictly based on the Generation as defined above. There is no dynamic compression. By way of illustration, if an intermediate Promoter or Affiliate is Inactive, Suspended, Frozen, or fails to meet the Paid-as Title requirement to receive a commission for a specific generation, that specific portion of the commission is forfeited and will not roll up or compress to the next qualified upline Affiliate.

4. Commission Trigger and Reward Base

1. Triggering Event: A renewal commission is triggered instantly when a Plan's Service Fee is successfully paid for any renewal term (e.g., 1st renewal, 2nd renewal, and all subsequent renewals).

2. Reward Calculation: The renewal commission amount is calculated by multiplying the "Quote Amount" (the Reward Base) of the specific Plan at the exact time of its renewal by the applicable percentage set forth in Section 5.

5. Renewal Commission Schedule

An Affiliate must achieve and maintain a minimum Paid-as Title of Level 2 (L2) to be eligible for any renewal commissions. Based on the Affiliate's current Paid-as Title, they are entitled to receive a percentage of the Quote Amount for renewed Plans of the applicable Generations, according to the following schedule:

6. Reward Distribution and Account Status Requirements

1. Instant Accrual: Provided the Affiliate is not currently in a "Suspended" or "Frozen" status (as defined by the Affiliate & Referral Program Regular Plan), the earned renewal commissions will be instantly credited to the Affiliate's Withdrawable Balance upon the successful payment of the renewing Plan's Service Fee.

2. Compliance Maintenance: If the Affiliate's account is under Suspension or their rewards are Frozen at the time a downline Member renews, the Renewal Commission for that specific transaction is permanently forfeited and cannot be retroactively claimed once the Affiliate restores their standing.