American Agent Network LLC d/b/a US Business Network ("USBN") • Principal Address: 100 North Park Center E, Ste 125, Alpharetta, GA 30022.
Joining USBN as an affiliate partner is completely free ($0 fee) and no purchase is ever required to join, remain active, qualify for commissions, or achieve rank promotions.
Independent Contractor Affiliate Agreement
Single combined document package incorporating Exhibit 1 and Exhibit 2.
1. Purpose; Multiple Products and Services
1.1 Company markets and sells books, programs, coaching, consulting, advisory memberships, and other products/services designated from time to time ("Offerings"). Some Offerings are provided directly by Company; others are provided by third-party vendors, partners, carriers, lenders, or service providers ("Providers").
1.2 Affiliate wishes to promote Offerings as an independent contractor affiliate and to receive commissions according to Company’s published compensation plan.
1.3 Company may add, change, or discontinue Offerings and Providers at any time. This Agreement covers all authorized Offerings without requiring a new contract for each.
2. Application; Acceptance; Free to Join
2.1 Submitting an application or signed Agreement does not guarantee acceptance. Company may accept or reject any applicant in its discretion.
2.2 Affiliate may not promote Offerings, use Company trademarks, or represent affiliation until written approval is issued.
2.3 Entering this Agreement will not violate any third-party non-solicit or contract obligations.
2.4 Joining is Free: There is no fee to apply, join, or stay an affiliate. Affiliate does not have to buy any Offering, starter kit, training, materials, or other product to qualify for commissions or earn rank. Purchases are entirely optional.
2A. Company Support & Training
2A.1 Services Provided: At no charge, Company provides tracking links, checkout forms, marketing materials, delivery of coaching Offerings, commission statements, activity logging tools, and optional email support.
2A.2 Offerings Promoted: Commissionable Offerings include 10P Coaching Programs (Discovery Call, 10P Blueprint Intensive, Advisory Board membership), Your KeyCard household safety app, and Business Financing with ROK. Don Martin's book is not commissionable. Wellthcare is governed separately.
2A.3 Orientation & Compliance: Company offers free online orientation and legal marketing compliance rules (truthful claims, no income claims, email/SMS guidelines).
3. Independent Contractor Status
3.1 Affiliate is an independent contractor, not an employee, partner, joint venturer, or agent of Company.
3.2 No Employment Benefits: Affiliate is not entitled to employee benefits, unemployment insurance, workers' compensation, or paid leave.
3.3 Control & Expenses: Affiliate controls their own methods, schedule, and tools, and pays all marketing, software, and travel expenses.
3.4 No Quotas & No Territory: Company does not require minimum sales quotas, work hours, or geographic restrictions.
5A. Provider Relationships & Direct Point of Contact
Company holds agreements with Providers (such as ROK Financial) and is responsible to them. Affiliates route USBN customer inquiries, escalations, and compensation questions directly through Company, avoiding direct circumvention or diversion of referred accounts.
6. Compensation & Override Structure
Affiliate’s sole compensation consists of commissions and overrides described in Exhibit 1 (Compensation Calculator / Commission Schedule), based on Gross Commissionable Income (GCI), Gross Selling Commission (GSC), Net Distributable Income (NDI), and 5 depth override seats: Associate (A), Marketing Director (MD), Regional Marketing Director (RMD), Senior Field Chairman (SFC), and Executive Field Chairman (EFC).
11. Term & Termination
Either party may terminate this Agreement without cause upon 15 days' written notice (or immediately for cause). Upon termination, earned undisputed commissions through the termination date are paid under Section 11.6.
13. Dispute Resolution & Governing Law
Governed by the laws of the State of Georgia. Exclusive venue sits in state or federal courts in Forsyth County, Georgia or Northern District of Georgia.
Compensation Calculator & Commission Schedule
Effective Date: Oct 8, 2026. Official GCI bases and 5-level NDI depth overrides.
• GCI = Gross Commissionable Income (set by Company in advance per Offering)
• GSC = Gross Selling Commission paid to the Associate who made the personal sale (Default: 50% of GCI)
• NDI = Net Distributable Income override pool for filled upline seats = GCI − GSC (Default: 50% of GCI)
1. Upline Override Depth Split (% of NDI)
| Override Depth Seat | Title Label on Seat | Share of NDI Pool (%) |
|---|---|---|
| Level 1 (L1) | Associate Level (A) | 40% of NDI |
| Level 2 (L2) | Marketing Director (MD) | 25% of NDI |
| Level 3 (L3) | Regional Marketing Director (RMD) | 15% of NDI |
| Level 4 (L4) | Senior Field Chairman (SFC) | 12% of NDI |
| Level 5 (L5) | Executive Field Chairman (EFC) | 8% of NDI |
*Breakage: If an upline depth seat is vacant, the share is retained by Company and does not roll up to other seats.
2. Product GCI & Exact Commission Schedule
| Offering | Customer Price | GCI Basis ($) | Seller GSC ($) | L1–L5 Depth Overrides ($) |
|---|---|---|---|---|
| God's Blueprint Book | Amazon Retail | None ($0) | $0.00 | Not commissionable. |
| Discovery Call | $197 | $29.55 (15%) | $14.78 | L1 $5.91 • L2 $3.69 • L3 $2.21 • L4 $1.77 • L5 $1.18 |
| 10P Intensive (with Discovery Credit) | $800 net | $120.00 (15%) | $60.00 | L1 $24.00 • L2 $15.00 • L3 $9.00 • L4 $7.20 • L5 $4.80 |
| 10P Intensive (Full Price) | $997 | $149.55 (15%) | $74.78 | L1 $29.91 • L2 $18.69 • L3 $11.21 • L4 $8.97 • L5 $5.98 |
| Advisory Board Membership | $497 / month | $74.55 / mo (15%) | $37.28 / mo | L1 $14.91 • L2 $9.31 • L3 $5.59 • L4 $4.47 • L5 $2.98 / mo |
| Your KeyCard (Initial App) | $97 / year | $27.00 | $27.00 (100%) | Flat to seller. No overrides on initial payment. |
| Your KeyCard (Annual Renewal) | $97 / year | $27.00 | $13.50 (50%) | L1 $5.40 • L2 $3.37 • L3 $2.02 • L4 $1.62 • L5 $1.08 |
| Business Financing with ROK | Per Lender Loan | Compensation received from ROK | 50% of GCI | Normal 5-level override plan paid after USBN receives ROK funds. |
3. Override Conditions & Outside Customer Rules
• Rule 1 (Customer Sales Ratio): To receive monthly overrides, at least 50% of GCI from personal sales in the preceding 90 days must originate from Outside Customers.
• Rule 2 (Outside Customer Overrides): Overrides are paid exclusively on Outside Customer transactions. On Partner Buyer transactions, seller receives GSC and NDI is retained by Company.
• Active Participation: To earn an override, the affiliate must have completed at least 1 Qualifying Activity (personal Outside Customer sale, training downline, customer support, or event presentation) within the trailing 90 days.
Promotion Qualifications Guide & Rank Rules
Achievement ranks are based on trailing 12-month Rank PCI from personal Outside Customer sales.
Two Tracks Kept Separate: Override depth (who sits in L1–L5 seats) pays overrides under Exhibit 1. Achievement rank provides title recognition and leadership eligibility. Title names are used for both as labels, but rank promotion does not alter override depth seats or change payout percentages.
Rank Thresholds (Trailing 12-Month Rank PCI)
| Rank Code | Official Title | Trailing 12-Month Rank PCI ($) | Approx. Client Journeys / Year* |
|---|---|---|---|
| A | Associate Level | $0 – $2,499 | Default upon written approval |
| MD | Marketing Director | $2,500 – $7,499 | At least 9 full client journeys |
| RMD | Regional Marketing Director | $7,500 – $19,999 | At least 26 full client journeys |
| SFC | Senior Field Chairman | $20,000 – $49,999 | At least 68 full client journeys |
| EFC | Executive Field Chairman | $50,000+ | At least 168 full client journeys |
• Official reviews take place twice per year on January 1 and July 1.
• Lookback Window: Trailing 12 months of Rank PCI ending December 31 and June 30.
• Demotion Rule: An affiliate is demoted only if Rank PCI falls below threshold at two consecutive official reviews. One missed window does not result in demotion.
Agent Compensation Plan & Super Agent Incentive
Simplified Issue Life Insurance compensation plan, chargeback escrow reserve, and Addendum A incentive.
1. Agent Production Tiers & Overrides
| Level | Title | Personal Monthly Premium | Commission Rate | Downline Overrides | Monthly Agency Volume |
|---|---|---|---|---|---|
| Level 1 | Associate | $2,500 | 50% | — | N/A |
| Level 2 | Senior Associate | $5,000 | 55% | 5% on L1 | $30,000 |
| Level 3 | Manager | $7,500 | 60% | 10% on L1 • 5% on L2 | $74,000 |
| Level 4 | Senior Manager | $10,000 | 65% | 15% on L1 • 10% on L2 • 5% on L3 | $118,000 |
| Level 5 | Director | $15,000 | 70% | 20% on L1 • 15% on L2 • 10% on L3 • 10% on L4 | $200,000 |
2. Chargeback Escrow Reserve
To protect against chargebacks, 20% of commissions are placed into escrow until a $3,000 reserve is built. Once met, 100% of commissions are paid directly. Any chargebacks are recovered from the escrow reserve rather than future paychecks.
ADDENDUM A: Super Agent Recruiter Incentive Program
• Super Agent Qualification: Any newly recruited agent who writes $10,000+ in issued-and-paid premium within their first 60 days.
• Recruiter Reward: A Level 1 Associate recruiter receives a temporary 15% override (equivalent to L4 override) on that Super Agent's production for 90 calendar days.
• Agency Promotion: The Super Agent's production volume also counts toward the recruiter's agency volume promotion to earn permanent higher tiers.