FSO Pricing

FINANCIAL SERVICES ONLINE, INC. PRICING SCHEDULE (Effective June 1, 1996)
FSO Web Site (The "Paperless Publisher")

Individual Memberships			Basic Monthly Membership Fee			Monthly Membership Fee with GrafixMaster
			$19.95			$23.95

Company Memberships	Agents Pay...	Company Purchases...	GrafixMaster Option...

Type of Plan	Basic Monthly Membership Fee ⁽¹⁾	Minimum Number of Monthly Memberships ⁽²⁾	Additional Monthly Charge per Membership

Level I	$18.95	10 at $17.05 each ($170.50/month)	$3.75
Level II	$17.95	25 at $16.15 each ($403.75/month)	$3.50
Level III	$16.95	50 at $15.25 each ($762.50/month)	$3.25
Level IV	$15.95	100 at $14.35 each ($1,435.00/month)	$3.00

⁽¹⁾Assumes payment by agents and billing by FSO. An additional discount is available if company pays

for memberships.

⁽²⁾Applies an additional 10% discount to the Basic Monthly Membership Fee.

Site License ⁽¹⁾

Size of Field Force⁽²⁾

Company Pays

200 - 499

$3,000 monthly

500 - 999

$4,500 monthly

1,000 - 2,999

$6,000 monthly

3,000 or more

$8,000 monthly

⁽¹⁾Without GrafixMaster. GrafixMaster quotes upon request.

⁽²⁾Defined as common and/or statutory employees in a sales capacity. Brokerage quotes on request.

Customized FSO Site (Optional)

One-Time Site Customization Fee ⁽¹⁾

Monthly Maintenance
Fee

$7,500

$500

⁽¹⁾To create a separate FSO "mirror" site (content and security), reprogram all hyperlinks, renumber sales-related content to reflect company's numbering system and customize all content menus as directed by company for compliance. There is an additional $25.00 per hour charge for specific company-requested content changes for other reasons.

To learn more about a Company Membership Plan or Site License, contact:
Bill O'Quin, CLU, ChFC at (817) 654-0997.

Marketing Intranet⁽¹⁾
For Standard Menu (see below)

Initial Set-Up Fee

Optional Annual Maintenance Fee ⁽²⁾

Additional Content

Monthly Maintenance Fee per Non-FSO Member ⁽³⁾

$3,000

$1,500

$25 per hour

$1.00

⁽¹⁾Requires purchase of a Company Membership or Site License.

⁽²⁾Applies if company elects to have FSO maintain its standard menu of company-specific content.

⁽³⁾Access to a secured company Web site is limited to the company's agents and employees; access can be set up as part of an FSO membership or independent of FSO membership, but hosted on our server, in which case the Monthly Maintenance Fee per Non-FSO Member applies (waived with Site License).

Standard "Marketing Intranet" Menu

Bulletin Board --Company announcements, sales ideas and other information of current interest.
Home Office Directory -- Telephone numbers and e-mail addresses of all key home office people.
Field Directory -- Mailing addresses, telephone numbers and e-mail addresses of all field users.
Underwriting Guidelines -- Medical requirements and underwriting tips.
Product Information -- Product updates and information on products, including current interest rates.
Forms -- Which ones to use for what.
Conference Qualifications -- Conference locations, highlights, qualification requirements, etc.
Company Calendar -- A schedule of company meetings, other important dates.
Policy Service Information -- How to service inforce business -- procedures, guidelines, etc.
Software Download -- Download policy illustration software.

The $3,000 development fee assumes that all of the above content is provided to FSO in M/S Word6 or ASCII. If in another format, an additional charge may be necessary

Other "Intranet" applications that could be included for an additional fee:

Field/Home Office Communications Center;
Downloading and printing of actual forms;
Downloading and printing of actual marketing and product brochures; and/or
Training and/or marketing programs, including an interactive testing and results-recording program for compliance purposes.

FSO Electronic Forms Distribution Option

Advantages:

Distributes company forms via the World Wide Web.

Field accesses and prints forms on demand from the company's private area within FSO or from the company's private Web site.

Provides a central source of current forms.

Easy to manage and update.

Would eliminate some or all of the current home office forms-related paper, printing and shipping costs, depending on the degree of implementation.

FSO Services:

Development of state-specific forms menus.

Conversion of forms to the Portable Document Format (PDF) and placing on Web server.

Linking of forms into state-specific menus.

Testing of state-specific forms delivery.

Replacing forms with updates/new editions.

Pricing (effective 2/1/96):

Implementation Fee per State-Specific Menu⁽¹⁾ :

Initial Implementation: $50 plus $5 per form on menu
Later Additions: $20 per form per menu

Annual Maintenance Fee⁽²⁾: 20% of Implementation Fee

⁽¹⁾Assumes forms are provided in a convertible software format (e.g., Word6, PageMaker, Quark)
⁽²⁾Includes replacing forms with updates/new editions and testing.

Example:

50 state-specific menus with an average of 25 forms per menu

Initial Implementation Fee:

$50 + ($5 x 25 forms) = $ 175 per state

x 50 states

$8,750 total

Annual Maintenance Fee:

$8,750 x 20% = $1,750

Site License ⁽¹⁾
Size of Field Force⁽²⁾	Company Pays
200 - 499	$3,000 monthly
500 - 999	$4,500 monthly
1,000 - 2,999	$6,000 monthly
3,000 or more	$8,000 monthly

Customized FSO Site (Optional)
One-Time Site Customization Fee ⁽¹⁾	Monthly Maintenance Fee
$7,500	$500

Initial Set-Up Fee	Optional Annual Maintenance Fee ⁽²⁾	Additional Content	Monthly Maintenance Fee per Non-FSO Member ⁽³⁾
$3,000	$1,500	$25 per hour	$1.00