Motivation of Direct Selling Experts

2016
more
opportunities
for serious
earnings

Meet - motivation course

2
Meet - motivation course
What is this?
Electronic course on the system of remuneration of the Direct Sales Expert.
Why do I need it?
To find out how the Direct Selling Expert can earn the maximum bonus.
What is waiting for me?
1. You will study slides with information
2. Pass the test
3. You will answer 80% of the test questions correctly and successfully complete the course.
(If not, see point 1).
In total, the course and test will take from 60 to 90 minutes.
How to pass the test the first time?
And if…
1. Arm yourself with a pen and notepad.
write down
2. Write down everything that is marked with a special “stamp”. It will be in!
test!
3. Use notes when testing!
? …will I start a course or test and then stop?
! You can pick up where you left off later.
? …I don’t pass the test the first time?
! Call your training officer or RAP to reschedule your course.
? …I will not take a course or test?
! You will find out what will happen to your bonus in this case from the tenth slide of this course =).

Motivation: pros and components

3
Motivation: pros and components
Pros:
Profitable!
∙
∙
Three levels of productivity bonuses,
Every six months - an opportunity to raise wages!
Reliably!
Comfortable!
etc.).
∙ Bonuses for loans and insurance increase,
Each employee is guaranteed earnings not lower than the minimum wage.
Only the segment of the product for which the loan is issued is important (mobile phone, clothes, etc.).
It is very easy to calculate the premium.
Two components of earning a Direct Sales Expert
Fixed
earnings
The salary is the same throughout Russia - 7,500 rubles.
+
The administrative premium may change every
six months is up to you.
Award for
sales
It consists of bonuses for: issuing loans,
insurance products, productivity, additional products,
focus product.
Paid monthly.

Fixed income - how to increase your level

4
Fixed income - how to increase your
level
Three levels of administrative bonus are introduced in the Bank from 01.05.2015:
1 - initial, 2 - average, 3 - maximum.
assigned
to whom
So employees
assigned
level
new employees
1 level
returned from maternity leave or transferred from the office
2 level
Quarterly
evaluated
productivity
employees
taken in the first month of the estimated quarter
or in the previous quarter
3 months
returned from maternity leave / transferred from the office in the first month
of the quarter being assessed or in the previous quarter
3 months
employees who were assessed 6 or more months ago
6 months
current employee level
fulfilled a higher standard
So changing
level by
evaluation results
These are the standards
estimates
fulfilled the standard of his level
did not meet the standard of his level
level
work experience ranges, months
assessment ranges, months
standard for the average number of contracts, pcs.
or the standard for the average amount of loans, thousand rubles
Write it down!
test!
It will be in
transition
month month new
admission score level
z.p.
for what period
evaluated
who is included in the evaluation
.
.
.
.
.
.
.
.
.
Example Graph Graph
by date of admission
1
2
3
+1
+1
*
*
*
*
*
-1
-1
1
until 3
3
>7
>200
2
from 3
3-6
>10
>300
3
from 6
6
>15
>450
Jan.
2016
Feb.
2016
March
2016
Apr.
2016
May
2016
June
2016
July
2016
Aug.
2016
sept.
2016
oct.
2016
but I.
2016
dec.
2016
Apr.
2016
May
2016
July
2016
Aug.
2016
oct.
2016
but I.
2016
Jan.
2016
Feb.
2016
Apr.
2016
May
2016

Loan premium

5
Loan premium
For each loan issued - a fixed amount.
See the sum in the reference table. Amount of remuneration
depends on:
loan term,
loan amount,
yield groups of the issued loan.
DOWNLOAD tables
Òàáëèöû
Tables will help
calculate
reward and for
credit and insurance
considering the level of arrears.
Separate table for each type of product:
household appliances and electronics
mobile phones and jewelry,
furniture, furs and clothes,
Write it down!
It will be in the test!
building materials and motor vehicles,
services,
general motivation.
Additional premium for a focus product
Reference: focus product
100 rubles for each sold focus product.
The focus product can be determined
on a monthly basis by the Director
consumer division
lending.
!
write down
in the test!
It will be
Information about the selected focus
product is communicated to employees for
2 days before the start of the promotion

Reward: sell Cash on card "Cash in 15 minutes_9" and "Cash in 15 minutes_10"

6
Cash on card premium is divided into 3 parts:
2 month - payment of 1 part of the premium + POS premium for the 1st
calendar month.
3 month - payment of 2 parts of the bonus + bonus for
Life, Un, Combo insurances (taking into account the Fpd7+ indicator).
4th month - payment of the 3rd part of the premium (taking into account the indicator
Spd7+).
Premium payment example
1
2
3
4
month month month month
Payment of motivation Cash on Card
Penalties for Cash on card
Payment of motivation for insurance by Cash on
card
1 part 2 part 3 part
+
+
Accounting for quality indicators
Accounting for Fpd for insurance
+
Accounting for the Fpd indicator to motivate Cash on Card
+
Accounting for the Spd indicator to motivate Cash on Card
!
+
Cash on card premium payout scheme
"Cash in 15 minutes_9" "Cash in 15 minutes_10"
1 month
2 month
3 month
4 month
(sale)
50%
25%
25%
When calculating the premium, the system is taken into account
stipulated penalties for delay Cash
on Card for previous sales periods.
Penalties deducted from total POS+ premium
Cash on Card.
If the amount of the fine exceeds the amount
earned, no bonus is paid.
When calculating the premium, the system of stipulated penalties for the delay of Cash on Card on previous
sales periods.

Detailed motivation for CASH ON CARD №9

7

payments)
Check rub.
Month term.
high
30 - 40 thousand rubles.
40-50 thousand rubles
50 - 80 thousand rubles.
80 - 100 thousand rubles.
12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24
330
430
690
920
440
570
920 1,230 610
790 1,270 1,690 880 1,140 1,850 2,460

life
Un
Combo
180
60
270
230
80
350
380
130
570
500
170
760
240
80
360
310
100
470
500
170
760
670
220
1,010
330
110
500
430
140
640
690
920
230
310
1,040 1,390
480
160
720
620
210
940
1,010 1,340
340
450
1,510 2,020

1 part bonus
part 2 bonus
3 part bonus
170
80
80
220
110
100
350
170
170
460
230
230
220
110
110
290
140
140
460
230
230
620
310
300
310
150
150
400
200
190
640
320
310
850
420
420
440
220
220
570
290
280
930
460
460
1230
620
610
850
440
570
930
1230

FPD penalty
170
220
350
460
220
290
460
620
310
400
640
Description SOS #9
!
The tariff "Cash in 15 minutes_№9" can be issued in all CCCs except for 25 CCCs participating in the pilot,
at the tariff "Cash in 15 minutes_№10".

Detailed motivation for CASH ON CARD №10

8
REMUNERATION FOR THE SALE OF CASH on CARD LOANS (total amount in rubles for each loan without dividing by
payments)
Check rub.
30 - 40 thousand rubles.
40-50 thousand rubles
50 - 80 thousand rubles.
80 - 100 thousand rubles.
Month term. 12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24
High 230
300
480
640
310
400
640
860
430
550
890 1,180 620
800 1,300 1,720
REMUNERATION FOR SALES OF INSURANCE PRODUCTS (amount in rubles for each product)
life
Un
Combo
130
40
190
160
60
250
270
90
400
350
120
530
170
60
250
220
70
330
350
120
530
470
150
710
230
80
350
300
100
450
480
160
730
640
220
970
340
110
500
430
150
660
710
940
240
320
1,060 1,410
DISTRIBUTION OF REMUNERATION FOR THE SALE OF CASH on CARD LOANS (amount in rubles for each credit) BY PARTS OF PAYMENTS
1 part bonus
part 2 bonus
3 part bonus
120
60
50
150
80
70
240
120
120
320
160
160
160
80
70
200
100
100
320
160
160
430
220
210
220
110
100
280
140
130
450
220
220
590
300
290
310
160
150
400
200
200
650
330
320
860
430
430
590
310
400
650
860
SIZES OF FINES FOR DELAYED CASH on CARD LOANS (amount in rubles for each loan)
FPD penalty
120
150
240
320
160
200
320
430
220
280
450
Ñïèñîê ÊÊÎ
!
Registration of the tariff "Cash in 15 minutes_№10" can be issued only in 25 cash registers participating in
pilot, while the tariff "Cash in 15 minutes_№9" is forbidden to be selected, there will be a refusal.

Additional motivation for CASH ON CARD No. 9 and No. 10

9
Additional motivation for
CASH ON CARD №9 and №10
EARN MORE!
Get paid for every card sold!
200 r.
More
200 000 rubles
+
From 4 credits
cash on card
=
for each loan
Cash in 15 minutes_9"
150 r.
for each loan
Cash in 15 minutes_10"
Notes:
It is important to fulfill both conditions (both the amount and the number of cards) in a month.
200,000 includes only Cash on card "Cash in 15 minutes_9" or
"Cash in 15 minutes_10" depending on the place where the product was issued.
The bonus is paid for all Cash on card credits issued during the month!
Add. the bonus is paid along with the total EPG POS premium.

10. Premium: earn on insurance and extra. products

10
Insurance premium
The amount depends on the term and amount of the loan, as well as on the number of insurances.
See the sum in the reference table.
When selling two insurances: work and health, customer safety and premium -
maximum.
Bonus for additional products
"Purchase Protection"
"Multi-protection"
Write it down!
It will be in
test!
.
Item Amount
Bonus
From 0 rub. - 2,999 rubles.
0 rub.
From 3,000 rubles -10,000 rubles
60 rub.
From 10 001 rub.-20 000 rub.
120 rub.
From 20 001 rub.
180 rub.
50r.
.
"Protection of your belongings!"
"Save what's precious!"
"NPF"
.
For clients whose age at the time of execution of the GPT Agreement is less than 20 and
more than 49 years no remuneration is paid.
!
Bonus
When selling two insurances, the bonus may be higher.
For example, the premium: for life insurance - 175 rubles, from job loss - 90 rubles,
when they are sold at the same time, the premium is 300 rubles instead of 265.
50 r.
50r.
200 rub.

11. Bonus: How to Earn a Productivity Bonus

11
Bonus: How to Earn a Productivity Bonus
The bank will additionally pay for your productivity* at the end of each month,
starting from the third month of work of the Direct Sales Expert in the Bank.
Bonus for
productivity Loan amount (POS+CoC)) or
Quantity
credit
contracts
Bonus 1
More than 350,000 rubles.
More than 10 pcs.
Bonus 2
More than 500,000 rubles.
More than 15 pcs.
Bonus 3
More than 650,000 rubles.
More than 20 pcs.
*Check with the manager for the size of the bonus.
Behind
It would write!
go away
in tes
those!

12. Late: How to keep your premium

12
Delay is the absence of money on the client's account on the due date of payment before 24:00.
taken into account if payment is not received
within 7 days from the date of withdrawal
starts counting for a newbie
first payment
in the first month
from the second month of work,

second payment
in the second month
from the third month of work,
before that - the average result of KKO
third payment
in the third month
from the fourth month of work,
so far not taken into account.
Write it down! skip rate
test!
It will be in
FPD7+
SPD7+
TPD7+
.
.
.
reasons for delay
Client forgetfulness.
how to save premium
Place the payment schedule as the first sheet in the package of documents
client.
Fill in the "e-mail" field when applying for a loan
(customer will receive payment reminder)
Long-term transfer of funds through the selected
customer payment channel.
Circle the recommended payment dates in the payment schedule.
Borrower dishonesty.
Carefully check the documents of the client and his personal data.
The delay factor affects:
Write it down!
It will be in those
ste!
Loan premium
Premium for the focus product (multiplied by the overdue factor for the focus product).
Premium for insurance and additional products.
Productivity bonus.
!
In short: customers pay - the premium grows. Do not pay - decreases.
A detailed calculation of the overdue coefficient is given in the reference tables that you downloaded earlier.

13. Guaranteed Newbie Bonus

13
Guaranteed Newbie Bonus
At OTP Bank, the minimum bonus for the first and second months of work is 3,000 rubles.
The premium is paid immediately at the end of the reporting period.
If an employee has worked for less than a full month, the guaranteed bonus is paid according to the amount actually worked.
time.
Write it down!
It will be in
test!
Worked for a full month.

reporting period
For example, in a month
Earned
more
minimum premium
September:
22 working days
Worked out:
Minimum:
premium:
22 days
3,000 / 22 * ​​22 = 3,000 rubles
Earned for September:
Payable October 5th:
3 500 rubles
3 000 rubles
The remaining 500 rubles will be given to the expert along with the main prize!
Earned
less
minimum premium.
Earned immediately after closing
reporting period
For example, in a month
September:
22 working days
Worked out:
Minimum:
premium:
15 days
3,000 / 22 * ​​15 = 2,045 rubles
Earned for September:
Payable October 5th:
2 500 rubles
$2,045
The Expert Advisor will receive the remaining 455 rubles together with the main prize!
Paid 3,000 rubles immediately after closing
reporting period
A lifting bonus is paid according to the number of worked
days immediately after the end of the reporting period
For example, in a month
For example, in a month
September:
22 working days
Worked out:
Minimum:
premium:
22 days
3,000 / 22 * ​​22 = 3,000 rubles
Earned for September:
Payable October 5th:
!
Worked for less than a month.
2 000 rubles
3 000 rubles
September:
Worked out:
Minimum:
premium:
Earned for September:
Payable October 5th:
22 working days
15 days
3,000 / 22 * ​​15 = 2,045 rubles
1 100 rubles
$2,045
The minimum bonus is set in the first 2 months, no performance bonus is paid.
From the third month, the premium is paid on a general basis. This includes performance bonuses.

14. Important points

14
Important Points
Payout threshold -
4 000 rubles
Minimum wage guaranteed
Quality is important
sell insurance
Productivity Bonus
- from the third month
Minimum premium for
newcomer
Write it down!
It will be in
test!
If the premium of a Direct Sales Expert working for more than two months is less than 4,000 rubles, the premium is not
paid.
At the same time, according to the conditions of motivation, it is really easy to earn 4,000 rubles.
Important: when calculating the minimum bonus, the productivity bonus is not taken into account. Productivity Bonus
paid separately, regardless of the achievement of the payout threshold.
If the total monthly payments to the Direct Sales Expert (fixed part + bonus) are less than the minimum wage in
region of his work, for example, as a result of a sick leave, the Bank pays the amount missing to the minimum wage in
premium account immediately at the end of the reporting period. If in the next month after the surcharge the employee does not
earned a bonus, then nothing is deducted from him either in this or in subsequent months. Supplement to minimum wage
paid immediately at the end of the reporting period.
If the total volume of POS and Cash on Card loans is at the “Preferential” tariff for a calendar month with registration
life and health insurance of the borrower by specialist less than 30% or if the total volume of POS and CoC loans
"Preferential" for a calendar month with insurance of the borrower's Financial risks less than 10% of
total volume of POS and CoC "Preferential" credits by specialist for a calendar month, total premium for
the sale of insurance products and additional insurance products is not paid (30% is considered
weighted average by the sum of sales volumes of POS and CoC "Preferential" loans).
If the client refused life and health insurance and financial risks within a calendar month
more than 20% of the total volume of loans issued (POS + CoC) the premium for the sale of insurance products is not
paid!
If the cancellation of insurance for the previous month is more than (total for Life and Un) 30%, then the premium for the next
insurance premium is not paid.
The performance bonus begins to be paid starting from the third month of the Direct Sales Expert in
bank. This rule does not apply to employees transferred from other positions in the Bank.
The minimum bonus for the first and second months of work is 3,000 rubles. Premium paid
immediately after the end of the reporting period. If an employee has worked for less than a month, a guaranteed bonus
paid according to the days worked.
The minimum bonus is set for the first 2 months of employment with the Bank and does not apply to
employees transferred from other positions in the Bank. From the third month, the premium is paid on general
grounds.
Maximum Maximum amount monthly bonus is 100,000 rubles.
premium

15. Important points

15
Important Points
"Other"
not paid
Courses are important
Tariff
Write it down!
It will be in
test!
When applying for a loan, choose the correct category of goods. Siebel lists all possible
product categories. Category "Other" will not be paid.
If a direct sales expert does not take LMS courses or avoids participating in trainings, he may be
deprived of the bonus by decision of the Director of the RC.
The “Preferential” tariff belongs to the Low yield group. Motivation is calculated by the overall motivation.
Dynamic
1. Motivation is determined according to the rate of the product and its relation to the rate ranges by groups
profitability.
2. There will be a standard calculation of motivation for the product, taking into account the categories of goods sold.
Agreement status
The premium is calculated strictly for contracts with the "Open" status.
Closed contracts/refunds will not be paid.
NPF
Protection
purchases
TPD7+
The bonus is calculated strictly according to the agreements accepted by the NPF, drawn up by the Expert in the reporting period.
period (1 calendar month). Contracts are taken into account according to the login assigned to the Direct Sales Expert.
For each agreement accepted by the NPF, the motivation is 200 rubles.
For each contract not accepted, an amount of 50 rubles is deducted from the motivation. To unaccepted treaties
include: contracts with errors, duplicate contracts, contracts for which the call was made
client and received a negative conclusion on the consent of the execution of the contract.
For clients whose age at the time of execution of the GPT Agreement is less than 20 and more than 49 years old
remuneration is not paid.
The bonus is not paid if:
1. The expert groups the goods in the check into one item in order to reach the threshold of the amount and quantity
more than three cases.
2. The expert does not prescribe the correct name and type of goods and the number of these cases is more than three.
IMPORTANT!!! Issued policies for goods worth less than 3,000 rubles are not paid!
For the employee for the 4th and subsequent months of his work in the Bank, the coefficient of deviation from
TPD7+ level. If the TPD7+ level for an employee is equal to or higher than the planned value for CCC, the bonus for the employee
paid at the discretion of the KCO Manager and the Director of the RC.

16. Frequently Asked Questions

16
FAQ
Write it down!
It will be in
test!
How is the issuance on credit of several goods of different categories and different
cost?
How is the issuance of a loan of several goods of different categories and
the same cost?
If an employee of OTP Bank is transferred to the position of Direct Sales Expert,
whether he is paid a guaranteed minimum premium and how it is paid
performance bonus?
If the full early repayment of the loan occurred in the first month, will it
considered a waiver of insurance? Will it increase the percentage of contracts with
insurance waivers?
When evaluating employees, are the standards in levels the same for the region and the center?
If the Direct Sales Expert is at the first salary level, can
does he get a third level productivity bonus?
How is it determined which yield group a loan product belongs to?
What happens if the Direct Sales Expert chooses the wrong one when applying for a loan?
product category?
The loan will be paid according to the category of the most expensive product in
check.
For a riskier (lower paying) category of goods included
in a check. If a fur coat and a ring of the same value are sold, payment will be
by ring category - Cell phones and Jewelry.
From the first month, the transferred employee is paid a bonus for
productivity, guaranteed minimum bonus is not
paid.
At full early repayment in the first month the client
pays for insurance. In fact, there was a refusal of insurance,
which has been framed. Yes, it will worsen the bounce rate.
Yes.
The performance bonus does not depend on the level of salary at which
the employee is located. If an employee issued > 20kd or > 650t.r, he
will receive a bonus for productivity of the third level.
Products are assigned to yield groups by Head Office.
Up-to-date information is available in the Direct Sales Expert folder.
The payment of the loan depends on the category, so each loan will
be checked for compliance with the product category. The bank will ask
customers, request information about the goods sold from partners and
use other verification methods.
In case of malicious misrepresentation of the category, the employee will be deprived
award, the question of his dismissal will also be raised.

17. Examples of premium calculation

18. The premium depends only on you!

18
The prize is up to you!
Examples of loans/loans
Insurance
Motivation
Product
Term,
months
Category
credit
product
Sum
loan
Life
Job
1
Kitchen set
24
Average
110
000.00 rub.
+
-
RUB 5,125.00
RUB 1,280.00
2
Mobile phone
14
Extra
26
000.00 rub.
+
+
RUB 1,200.00
295.00 rub.
3
Fridge
21
Average
27
000.00 rub.
+
-
RUB 1,285.00
RUB 320.00
4
Scooter
21
Average
18
000.00 rub.
+
+
730.00 rub.
310.00 rub.
5
Driving instruction
14
Average
21
000.00 rub.
+
+
RUB 955.00
405.00 rub.
6
Wrist watch
18
Extra
16
000.00 rub.
+
+
RUB 850.00
210.00 rub.
Total:
For a loan
RUB 10,145.00
For insurance
RUB 2,820.00
RUB 12,965.00

19. Algorithm for calculating the premium

19
Payroll preparation
1
2
3
Add up the credit bonuses and the insurance bonuses.
Add the bonus for additional products to the result.
Multiply the result by the arrears rate factor.
4
Multiply the bonus for the focus product by the overdue rate factor for the focus product and add to the amount
received above.
5
If you work for the first month and your bonus is less than 3,000 rubles (based on a full month), the calculated amount is
3,000 (if you worked for less than a month, proportionally less).
6
If you have been working for more than two months and your bonus is less than 4,000 rubles, the calculated amount is 0.
7
If you work for more than two months, a productivity bonus corresponding to your volume or number of CA
multiply by the overdue factor and add to the amount obtained above.
8
If in the previous month there was an additional payment up to the minimum wage, it is deducted from the premium. If the amount of the premium is not enough, the premium
equals 0.
9
10
Add your salary and administrative bonus to the amount received.
If the amount received is less than the minimum wage in your area, the calculated amount is equal to the minimum wage.

20. The formula for calculating the premium

20
Premium formula
Taking into account the coefficient of the level of delay
SALARY
admin.
premium
BONUS
(POS+CoC)
on the main
products
BONUS for
Add.
Products*
BONUS for
Insurance
BONUS for
FOCAL
product
BONUS for
OPS
BONUS for
productivity
Surcharge
minimum wage
Lifting
BONUS
CUT-OFF LEVEL*
You need to collect at least 4000 rubles
FIXED
PART
VARIABLE PART
For example:
An employee has been working at the Bank for 7 months in Moscow (already without "lifting").
Sales employee:
Name
loan
Sum
credit,
rub.
Yield
Term
loan
Insurance
product
Add. insurance
product
Friendly
16 000
light
6
-
Save what's dear
-
Your choice
60 000
Low+
24
Life
-
Favorite
number
150 000
light
24
Life,
Job
-
110 000
Extra
24
Job
Save what's dear
-
70 000
Average
10
Life,
Job
-
Standard
F.P.
20-10-10
Productivity Bonus
Salary
admin.
premium
NPF
1 level, in this
KCO =
2000 rubles
7 000 rub.
10 000
rub.
200 rub
Overdue ratio for POS loans, Insurance products, Additional products,
Last month's productivity = 0.8
Overdue ratio for Focus Product = 0.6
We believe:
*Minimum bonus
* Under add. products means those products that are tied to a loan, such as: Save Expensive, Multiprotection,
Purchase Protection and Protection of Your Items!!!

21. Premium calculation example

21
Premium calculation example
STEP 1
STEP 2
STEP 3
STEP 4
STEP 5
STEP 6
STEP 7
STEP 8
POS LOAN PREMIUM
INSURANCE PREMIUM
8 965 rubles
2 970 r.
RESULT OF STEP 1
PRIZE FOR ADDITIONAL PRODUCTS
$11,935
1 200 rubles
RESULT OF STEP 2
LEVEL OF DUE
13 135 rubles
0,8
FOCUS AWARD
PRODUCT
LEVEL OF DUE
RESULT OF STEP 3
RESULT OF STEP 5
100 r.
10 508 rubles
RESULT OF STEP 5
$10,568
0,6
60 rubles
PRODUCTIVITY BONUS
2 000 rubles
SALARY
ADMINISTRATIVE PRIZE
7 500 rubles
10 000 rubles
RESULT OF STEP 6
RESULT OF STEP 7
$12,568
17 500 rubles
11 935 rubles
13 135 rubles
10 508 rubles
60 rubles
10 568 rubles
12 568 rubles
17 500 rubles
30 068 rubles

22. Additional motivation Stand Alone

Even more
prizes!

23.

Additional motivation Stand Alone
23
Motivation is calculated for actual paid policies (products) in reporting period equal
one calendar month.
For issued products, for which payment was not made in the system during the reporting period, the agent is not motivated
paid.
Penalties on returned policies (products) are deducted by the Agent from the amount of the total premium.
Penalties are deducted from the calculation of the premium for the second and subsequent reporting periods.
Increased motivation is paid from the 4th policy and for all subsequent ones sold.
Amount of remuneration
Penalties for each returned
product
Basic / economy option
(policy 600/700 rubles)
From 2 policies sold:
From 4 policies sold:
150 rub.
200 rub.
100 r.
Optimal/Standard
option (policy 1,000/1,500 rubles)
From 2 policies sold:
From 4 policies sold:
250 rub.
300 rub.
200 r
Premium/Premium
option (policy 1,500/2,500 rubles)
From 2 policies sold:
From 4 policies sold:
350 rub.
500 rub.
250 r
!
When selling one policy, the premium is not paid!
If the policy is not paid, the expert will not receive the premium!

24.

Additional motivation Stand Alone,
reference information
24
Bonus for the sale of products separately from the credit (SA), does not relate to the main motivation and does not
affect the cutoff level.
Bonus earned for selling Stand Alone is added to the total bonus earned!
For example, for a month you earned 30,068 rubles (Salary + Admin. bonus + Bonus for sales), to this amount
the bonus for SA will be added - 14,000 rubles, total = 30,068 + 14,000 = 44,068 rubles!
Pay attention to the action of increased motivation, it is applied if the employee has sold
more than 4 policies inclusive.
If 1 stop tick (basic) and 3 Childhood under protection (1 optimal and 2 premium) are sold, as a result, to the main
bonuses will be added 1500 rubles!
1. For 1 stop tick (basic) -
-200 r.
2. For 1 optimal "Childhood under protection"
-300 r.
3. For 2 Premium "Childhood under protection"
-500 * 2 \u003d 1000 rubles.
. How much will I earn if I sell 2 policies of different tariffs?
For example: 1 policy "Childhood under protection" was sold for 600 rubles and 1 "House under protection" for 1,500 rubles,
total = 150 +350=500 rubles to the main prize!

In general, the whole point is in the title. I'll start from afar. I have to cooperate with this bank, because my wage is charged through this bank, therefore, I have a card of this bank, Gold Crown. A card is a tin, I have never seen such a thing in any bank. In order for the money to be on the card, you must first transfer it there (through an ATM), and then only withdraw it. No stores work with this card, so cashless payments are not possible with it. It's okay. I'll get to the point.

I have relatives abroad, sometimes they transfer transfers, their bank there cooperates with our OTP-bank. Okay, I didn't have any problems with translations. This time I came, as usual, to receive a transfer. They asked for a passport (nothing special), the girl studied something for a long time in my, apparently, personal business, clarified that I had a loan (yes, I had to contact this bank, because there was no other in the chain store), some loan offers said, I said, I'm not interested. Then she dug up my SNILS in my passport, and began to drive it into the database, well, okay, that means they need it, since I'm a client of their bank. Then I started again to drive something into my computer, I thought, well, when will they give me the papers to receive the transfer. Then she began to print a bunch of papers. It seemed very strange. Further, he says: "You will receive an SMS now, you dictate it to me", ok, maybe new rules (a message about the transfer usually comes to the phone), I come, I dictate. Although I began to guess about the purpose of this SMS.

Then she shoves me all these pieces of paper and says: "Here, sign here, here and there." I say: “What is this and why?”, She: “this is a statement about the transition to the NPF VTB, you have a pension in state fund, but I need to transfer to a non-state one. "I was shocked, I began to say that my pension funds had long been transferred to a non-state PF, and I was not going to transfer from there. She began to say what a wonderful pension fund it is, what healthy interest rates there are, I have already become lose her temper, said that I would not be translated, and let him cancel everything there.The girl was confused, apparently, she did not expect that people were not stupid after all, put these papers aside and, finally, began to translate.

And what is the result? The next day, an SMS arrives that my application has still been submitted to this pension, so that they can be sorted out. I began to look for the phone number of this fund, found it, called, saying how the application was submitted without my consent and my signature? The guy muttered something that, they say, in the bank, apparently, they issued me, then he said that the application would be withdrawn, and I would not be transferred anywhere. Of course, this arbitrariness plunged me into shock. Of course, I imagine that for each client attracted to the fund they receive some kind of gingerbread, but in such a brazen way. Arbitrariness, in a word!

Yes, I have repeatedly witnessed a rude attitude towards customers, so I do not recommend this bank ((

Until December 31, 2015, citizens of the Russian Federation need to decide on the choice of the amount of contributions to their future pension, and in this regard, the demand for professional advice on choosing an NPF (non-state pension fund) and the procedure for transferring to it is increasing. Given the increased demand for data OTP services The Bank expands the geography of cooperation with OAO NPF LUKOIL-GARANT, which is a partner of the bank at POS-sales points. Pilot project with the Fund was launched in August 2015 in 10 credit and cash offices, and since October their number is about 50.

Ksenia Poloterova, Head of Project Development and Business Analysis Department, OTP Bank:

Andrey Miroshnichenko, Director of the Directorate for Work with Institutional Agents OAO NPF LUKOIL-GARANT:

OAO NPF LUKOIL-GARANT(License of the Bank of Russia No. 432 dated May 20, 2014, unlimited) is one of the largest non-state pension funds in the country. As of June 30, 2015, the total pension assets of the Fund exceed 232 billion rubles, of which 210.5 billion rubles. — pension savings and 21.7 billion rubles. — pension reserves. Number of insured persons OAO NPF LUKOIL-GARANT is more than 3.2 million people. In 2014 NPF "LUKOIL-GARANT" successfully passed the corporatization procedure and audited by the Bank of Russia. In January 2015, the Fund was one of the first to become a participant in the system of guaranteeing the rights of insured persons, which is administered by the Deposit Insurance Agency. Thus, the pension savings of clients OAO NPF LUKOIL-GARANT received additional guarantees from the state. The stability of the Fund is regularly confirmed by high ratings from leading rating agencies. In June 2015, the National Rating Agency assigned OAO NPF LUKOIL-GARANT reliability rating at the level of "AAA" (maximum reliability).

The problem of the discrepancy between human desires and possibilities concerns not only young people. At the moment, there is a possibility of obtaining a loan for pensioners. What kind of pension program does OTP offer?

Terms of consumer credit for pensioners

The OTP lending program is available to all pensioners whose age has not exceeded 65 years. In this case, the age at the time of repayment of the loan is taken into account. Loan users with a good reputation and timely payers are provided with a preferential rate "Friends of the People" This product is distinguished by even more favorable conditions and reduced interest rates. The amount of interest on the standard tariff varies within 14.9-46.2% per year. This indicator is influenced by the following factors:

• requested amount;
• loan terms;
• user category, etc.

General terms consumer credit look like this:

To qualify for this loan, the borrower must:

• be a citizen of the Russian Federation;
• at the time of repayment of the loan to be no older than 65 years;
• have a permanent registration on the territory of the OTP;
• receive a pension based on age, disability or length of service;
• have the relevant documents.

Additionally, you can take out pension insurance.

Cooperation between OTP and NPF "Lukoil-Garant"

OTP Bank cooperates with non-state pension fund under the name "Lukoil-Garant". The two companies are working together to improve pension plans insurance. Their project makes the transfer of the funded part of the pension more accessible. Thanks to this, you can contact any of the local representative offices of the bank and conclude an agreement on compulsory pension insurance.

The fund that these two structures formed has been active since 1994 and has more than 62 billion rubles at its disposal. The NPF client base includes 1.9 million Russian citizens. More than 1.5 million of them entrusted the fund with the accumulation of a part of their labor pension.

For the entire period of active work, the NPF has paid about 3.8 billion pensions.

Lukoil-Garant has its representative offices in 55 regions of the Russian Federation.

Obtaining a loan for pensioners in OTP

Representatives of OTP have established a special program for lending to clients of retirement age. Since payers in this category, as a rule, have an impeccable reputation, the bank does not set high requirements or difficult conditions when cooperating with them. Therefore, all the documents that pensioners need to get a loan from OTP are a passport and a pension certificate.

If the pensioner is still working and has two sources of official income (pension and salary), bank representatives will take this into account when deriving the terms of the loan. Income statements do not need to be collected, information on income is formed from the words of the borrowers. At the bank, an employee of the local branch will talk to you, after which you will need to wait 15 minutes for an answer.

OTP Bank does not issue loans for any purpose. You may be asked about it during paperwork, but no one will strictly monitor the compliance of your promises with actions. At the end of the registration, you will be given a mandatory payment schedule. In fact, you will need to pay off the debt in installments every month.

Loan repayment in OTP

Loan can be returned different ways, among which:

1. Electronic system in operators' offices. Take your passport and contract with you. Please note that the funds in this case will be credited to the account within five working days.
2. Replenishment of the account in the representative office or ATM OTP. You will need a contract and a passport. This method guarantees the immediate receipt of funds.
3. Transfer from another bank account. You need to have access to the bank's Internet platform for the card to which the salary or pension is credited. This method implies the transfer of funds within 5 days.

Until recently, there were no banks providing credit programs for pensioners. OTP Bank has developed a special system of lending to this segment of the population with soft conditions and a low credit rate.