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									                           Policies and Procedures

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              4LIFE RESEARCH ™
                 EFFECTIVE July 1, 2009

       TABLE OF CONTENTS                             3. OPERATING A 4LIFE                        3.20. Errors or Questions
                                                                                                 3.21. Excess Inventory Purchases
                                                        BUSINESS (page 7)
                                                     3.1. Adherence to the 4Life Marketing and         Prohibited
       1. INTRODUCTION (page 3)
                                                          Compensation Plan                      3.22. Right of Publicity
       1.1. Policies Incorporated into Distributor
                                                     3.2. Advertising                            3.23. Governmental Approval or
            Application and Agreement
                                                     3.3. Participation in 4Life’s Corporate           Endorsement
       1.2. Purpose of Policies
                                                          Marketing Efforts                      3.24. Income Taxes
       1.3. Changes to the Distributor
                                                     3.4. Telemarketing Techniques               3.25. Independent Distributor Status
            Agreement, Policies and
                                                     3.5. Trademarks and Copyrights              3.26. International Marketing
            Procedures, or Marketing and
                                                     3.6. Media and Media Inquiries              3.27. Adherence to Laws and Ordinances
            Compensation Plan
                                                     3.7. Business Entities                      3.28. Compliance with Laws and Ethical
       1.4. Delays
                                                     3.8. Changes to the 4Life Business                Standards
       1.5. Policies and Provisions Severable
                                                     3.9. Addition of Co-Applicants              3.29. One 4Life Business Per Distributor
       1.6. Titles Not Substantive
                                                     3.10. Change of Sponsor                     3.30. Actions of Household Members or
       1.7. Waiver
                                                     3.11. Cancellation and Re-application             Affiliated Individuals
                                                     3.12. Indemnification for Unauthorized      3.31. Re-packaging and Re-labeling
       2. BECOMING A DISTRIBUTOR                                                                       Prohibited
       (page 5)                                            Claims and Actions
                                                     3.13. Product Claims                        3.32. Requests for Additional Records
       2.1. Requirements to Become a Distributor
                                                     3.14. Income Claims                         3.33. Roll-up of Marketing Organization
       2.2. Inventory and Distributor Kit
                                                     3.15. Commercial Outlets                    3.34. Sale, Transfer or Assignment of 4Life
       2.3. New Distributor Registration by
                                                     3.16. Trade Shows, Expositions and Other          Business
            Telephone, Facsimile or Internet
                                                           Sales Forums                          3.35. Separation of a 4Life Business
       2.4. Distributor Benefits
                                                     3.17. Conflicts of Interest /               3.36. Sponsoring
       2.5. Material and Subscription Fee
                                                           Nonsolicitation                       3.37. Transfer Upon Death of a Distributor
                                                     3.18. Downline Activity Reports             3.38. Transfer Upon Incapacitation of a
                                                     3.19. Cross-Sponsoring                            Distributor


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       4. RESPONSIBILITIES OF                     7. PRODUCT GUARANTEES,                       9.5. Payment and Shipping Deposits
          DISTRIBUTORS (page 20)                     RETURNS AND INVENTORY                     9.6. Insufficient Funds
       4.1. Change of Address or Telephone           REPURCHASE (page 24)                      9.7. Returned Checks
       4.2. Continuing Development Obligations    7.1. Product Guarantee                       9.8. Restrictions on Third Party Use of
            and Ongoing Training                  7.2. Returns by Distributors (Products            Credit Cards
       4.3. Increased Training Responsibilities        Returned by                                  and Checking Account Access
       4.4. Ongoing Sales Responsibilities             Personal Retail Customers)              9.9. Sales Taxes
       4.5. Non-disparagement                     7.3. Return of Inventory and Sales Aids by
       4.6. Providing Documentation to                 Distributors                            10. INACTIVITY AND
            Applicants                            7.4. Procedures for All Returns                  CANCELLATION -
       4.7. Reporting Policy Violations                                                            TERMINATION (page 30)
                                                  8. DISPUTE RESOLUTION                        10.1. Effect of Cancellation and
       5. SALES REQUIREMENTS                         AND DISCIPLINARY                                Termination
       (page 22)                                     PROCEEDINGS (page 26)                     10.2. Cancellation Due to Inactivity
       5.1. Product Sales                         8.1. Disciplinary Sanctions                  10.3. Involuntary Cancellation
       5.2. No Price or Territory Restrictions    8.2. Grievances and Complaints                     (Termination)
       5.3. Sales Receipts                        8.3. Appeals of Sanctions                    10.4. Voluntary Cancellation
                                                  8.4. Arbitration                             10.5. Non-continuation
       6. BONUSES AND                             8.5. Governing Law, Jurisdiction and
          COMMISSIONS (page 23)                        Venue                                   DEFINITIONS (page 32)
       6.1. Bonus and Commission Qualifications
       6.2. Adjustment to Bonuses and             9. ORDERING (page 28)
            Commissions for Returned Products     9.1. Purchasing 4Life Products
            and Services                          9.2. General Order Policies
       6.3. Unclaimed Commissions and Credits     9.3. Shipping and Backorder Policy
                                                  9.4. Confirmation of Order


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             1. INTRODUCTION

       1.1. POLICIES INCORPORATED                     sponsoring distributor to provide the most     1.3. CHANGES TO THE
            INTO DISTRIBUTOR                          current version of these Policies to the            DISTRIBUTOR
            APPLICATION AND                           applicant prior to his or her execution of          AGREEMENT, POLICIES
            AGREEMENT                                 the Distributor Agreement.                          AND PROCEDURES,
       These Policies and Procedures (“Policies”),                                                        OR MARKETING AND
       in their present form and as amended at the    1.2. PURPOSE OF POLICIES                            COMPENSATION PLAN
       sole discretion of 4Life Research USA, LLC     4Life distributors are required to comply      Because federal, state, and local laws,
       (hereafter “4Life” or the “Company”), are      with all of the Terms and Conditions set       as well as the business environment,
       incorporated into, and form an integral        forth in the Agreement which 4Life may         periodically change, 4Life reserves the
       part of, the 4Life Distributor Application     amend at its sole discretion from time to      right to amend the Agreement and the
       and Agreement (hereafter “Distributor          time, as well as all federal and state laws    prices in its 4Life Product Price List in its
       Agreement”). Throughout these Policies,        governing their 4Life business and their       sole and absolute discretion. By signing
       when the term “Agreement” is used, it          conduct. Because you may be unfamiliar         the Distributor Agreement, a distributor
       collectively refers to the 4Life Distributor   with many of these standards of practice,      agrees to abide by all amendments or
       Agreement, these Policies, and the 4Life       it is very important that you read and         modifications that 4Life elects to make.
       Marketing and Compensation Plan. These         abide by the Agreement. Please review          Notification of amendments shall appear
       documents are incorporated by reference        the information in these Policies carefully.   in Official 4Life Materials. Amendments
       into the Distributor Agreement (all in         They explain and govern the relationship       shall be effective upon publication in
       their current form and as amended by           between you, as an independent                 Official 4Life Materials, including but
       4Life). It is the responsibility of each       distributor, and the Company.                  not limited to, posting on 4Life.com,
       distributor to read, understand, adhere to,                                                   e-mail distribution, publication in 4Life’s
       and ensure that he or she is aware of and                                                     newsletter, product inserts, or any other
       operating under the most current version                                                      commercially reasonable method. The
       of these Policies. When sponsoring a new                                                      continuation of a distributor’s 4Life
       distributor, it is the responsibility of the                                                  business or a distributor’s acceptance
                                                                                                     of bonuses or commissions constitutes
                                                                                                     acceptance of any and all amendments.

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       1.4. DELAYS                                        1.6. TITLES NOT
       4Life shall not be responsible for delays and           SUBSTANTIVE
       failures in performance of its obligations         The titles and headings in the Agreement
       when performance is made commercially              are for reference purposes only, and do not
       impracticable due to circumstances beyond          constitute, and shall not be construed as,
       its reasonable control. This includes,             substantive terms of the Agreement.
       without limitation, strikes, labor difficulties,
       riot, war, fire, flood, death, curtailment of      1.7. WAIVER
       a party’s source of supply, or government          The Company never gives up its right to
       decrees or orders.                                 insist on compliance with the Agreement
                                                          and with the applicable laws governing
       1.5. POLICIES AND                                  the conduct of a business. No failure
            PROVISIONS SEVERABLE                          of 4Life to exercise any right or power
       If any provision of the Agreement, in its          under the Agreement or to insist upon
       current form or as may be amended, is              strict compliance by a distributor with any    it affect in any way the rights or obligations
       found to be invalid, or unenforceable for          obligation or provision of the Agreement,      of any other distributor. Nor shall any
       any reason, only the invalid portion(s)            and no custom or practice of the parties at    delay or omission by 4Life to exercise any
       of the provision shall be severed and              variance with the terms of the Agreement,      right arising from a breach affect or impair
       the remaining terms and provisions                 shall constitute a waiver of 4Life’s right     4Life’s rights as to that or any subsequent
       shall remain in full force and effect and          to demand exact compliance with the            breach.
       shall be construed as if such invalid, or          Agreement. Waiver by 4Life can be              The existence of any claim or cause of
       unenforceable provision never comprised a          effectuated only in writing by an authorized   action of a distributor against 4Life
       part of the Agreement.                             officer of the Company. 4Life’s waiver of      shall not constitute a defense to 4Life’s
                                                          any particular breach by a distributor shall   enforcement of any term or provision of
                                                          not affect or impair 4Life’s rights with       the Agreement.
                                                          respect to any subsequent breach, nor shall


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                2. BECOMING A

       2.1. REQUIREMENTS TO                            2.2. INVENTORY AND                             Agreement information over the telephone.
            BECOME A DISTRIBUTOR                            DISTRIBUTOR KIT                           An online, fax or original hard-copy of the
       To become a 4Life distributor, each             No person is required to purchase              Distributor Agreement must be received by
       applicant must:                                 4Life products or services to become a         the Company within thirty (30) days from
                                                       distributor. However, to familiarize new       the date of the telephone enrollment. If no
       • Be of the age of majority in his or her                                                      application is received, the new enrollee’s
                                                       distributors with 4Life products, services,
         state of residence;                                                                          Distributor Agreement will be cancelled.
                                                       sales techniques, sales aids, and other
       • Reside in the United States or other                                                         For purposes of the Agreement, signatures
                                                       matters, the purchase of a Distributor Kit
         countries which have been officially                                                         on applications submitted through these
                                                       is required. 4Life will repurchase Resalable
         opened by 4Life;                                                                             electronic methods shall be deemed original
                                                       kits from any distributor who terminates his
       • Have a valid Social Security Number or                                                       signatures. Faxed applications must include
                                                       or her Distributor Agreement pursuant to
         Federal Tax Identification Number;                                                           both the front and back of the Distributor
                                                       the terms in the “Return of Inventory and
       • Submit a properly completed and signed                                                       Agreement. Volume generated through
                                                       Sales Aids by Distributors” section of these
         Distributor Agreement to 4Life (the                                                          distributors enrolled over the telephone
         Company reserves the right to reject any                                                     will not count toward qualification, or for
         applications for new distributorships and                                                    contest purposes, if subsequently canceled
         Purchase a Distributor Kit.                   2.3. NEW DISTRIBUTOR
                                                            REGISTRATION BY                           for failure to submit an online, fax, or
       • A person who is recognized as a minor in                                                     original hard-copy Distributor Agreement
         his or her state of residence may not be           TELEPHONE, FACSIMILE
                                                            OR INTERNET                               as stated above.
         a 4Life distributor. Distributors shall not
         enroll or recruit minors into the 4Life       A Sponsor or the new distributor may call
                                                       the 4Life Corporate Offices during regular     2.4. DISTRIBUTOR BENEFITS
         program.                                                                                     Once a Distributor Agreement has been
                                                       business hours to receive a temporary
                                                       Distributor Identification Number. (See        accepted by 4Life, the benefits of the
                                                       the front of the Distributor Agreement for     Marketing and Compensation Plan and
                                                       telephone numbers.) The caller must be         the Distributor Agreement are available
                                                       able to provide all necessary Distributor      to the new distributor. These benefits


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       include the right to:                         2.5. MATERIAL AND
       • Purchase 4Life products and services at          SUBSCRIPTION FEE
         the wholesale price;                        The term of the Distributor Agreement is
       • Retail 4Life products or resell services,   one (1) year from the date of its acceptance
         which are described in the 4Life product    by 4Life. Distributors must renew their
         catalog, and profit from these sales;       Distributor Agreement each year by
       • Participate in the 4Life Marketing and      paying a material and subscription fee as
         Compensation Plan (receive bonuses and      determined by the Company on or before
         commissions, if eligible);                  the anniversary date of their Distributor
       • Sponsor other individuals as retail         Agreement. If the material and subscription
         customers or distributors into the 4Life    fee is not paid within thirty (30) days after
         business and thereby build a Marketing      the expiration of the current term of the
         Organization and progress through the       Distributor Agreement, the Distributor
         4Life Marketing and Compensation Plan;      Agreement may be canceled; however, in
       • Receive periodic 4Life literature and       the absence of extenuating circumstances,
         other 4Life communications;                 all agreements are renewed under the
       • Participate in 4Life-sponsored support      Automatic Material and Subscription Fee
         service training,                           Program (“AMSFP”). Under the AMSFP,
         motivational and recognition functions,     the material and subscription fee will be
         upon payment of                             deducted from the distributor’s bonus
         appropriate charges, if applicable; and     check for the anniversary month of the
       • Participate in promotional and incentive    Distributor Agreement. If the bonus check
         contests and programs sponsored by          does not have sufficient funds to cover the
         4Life for its distributors.                 material and subscription fee, a debit shall
                                                     remain against the distributor’s account
                                                     until such funds are available.


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                3. OPERATING A
                4LIFE BUSINESS

       3.1. ADHERENCE TO THE                            individual or other entity to participate in   Internet advertising), notwithstanding
            4LIFE MARKETING AND                         the 4Life Marketing and Compensation           distributors’ good intentions, they may
            COMPENSATION PLAN                           Plan other than those purchases or             unintentionally violate any number of
       Distributors must adhere to the terms of         payments identified as recommended or          statutes or regulations affecting a 4Life
       the 4Life Marketing and Compensation             required in Official 4Life Materials.          business. These violations, although they
       Plan as set forth in Official 4Life Materials.                                                  may be relatively few in number, could
       Distributors shall not offer the 4Life           3.2. ADVERTISING                               jeopardize the 4Life opportunity for all
       opportunity through, or in combination           All distributors shall safeguard and promote   distributors. Accordingly, distributors must
       with, any other system, program, or              the good reputation of 4Life and its           submit all written sales aids, promotional
       method of marketing other than that              products. The marketing and promotion of       materials, advertisements, websites and
       specifically stated in Official 4Life            4Life, the 4Life opportunity, the Marketing    other literature to the Company for
       Materials. Distributors shall not require        and Compensation Plan, and 4Life               Company’s approval prior to use. Unless
       or encourage other current or prospective        products and services shall be consistent      the distributor receives specific written
       customers or distributors to participate         with the public interest, and must avoid       approval to use the material, the request
       in 4Life in any manner that varies from          all discourteous, deceptive, misleading,       shall be deemed denied.
       the program as set forth in Official 4Life       unethical or immoral conduct or practices.
       Materials. Distributors shall not require        4Life specifically prohibits the use of mass   3.3. PARTICIPATION IN 4LIFE’S
       or encourage other current or prospective        unsolicited telephone autodialing, faxing,          CORPORATE MARKETING
       customers or distributors to execute any         e-mail (“spam”), and “boiler-room”                  EFFORTS
       agreement or contract other than official        telemarketing operations.                      4Life encourages distributor participation
       4Life agreements and contracts in order to       To promote both the products and the           in the Company’s marketing efforts and
       become a 4Life distributor.                      opportunity 4Life offers, distributors         distributors may submit their marketing
       Similarly, distributors shall not require or     must use the sales aids and support            ideas to the Company. Likewise,
       encourage other current or prospective           materials produced by 4Life. If 4Life          distributors are encouraged to participate
       customers or distributors to make any            distributors develop their own sales aids      in all Company-sponsored telephone calls
       purchase from, or payment to, any                and promotional materials (which includes      to interact and share ideas with Company


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       leadership as well as other distributors. All   trade names, trademarks and service          other manner that would lead the caller
       submissions to the Company, including           marks of 4Life. As such, these marks are     to believe that he or she has reached
       those coming by way of verbal participation     of great value to 4Life and are supplied     Corporate Offices of 4Life. Distributors
       in Company-sponsored telephone calls,           to distributors for their use only in an     may not produce for sale, or any other
       become the property of 4Life.                   expressly authorized manner. Use of the      purpose, any recorded Company events
       All Company-sponsored telephone calls are       4Life name or any form thereof, including    and speeches without written permission
       copyrighted material owned by 4Life and         their use as or within Internet domain       from 4Life; nor may distributors reproduce
       are intended for distributors’ individual       names, on any item not produced by the       for sale or for personal use any recording
       use. Any rebroadcast, reproduction or           Company is prohibited except as follows:     of Company-produced audio or video tape
       distribution of this copyrighted material                                                    presentations.
       without the express written consent of          Distributor’s Name                           In accordance with a distributor’s strict
       4Life is prohibited.                            Independent 4Life Research™ Distributor      adherence to the foregoing instruction
                                                                                                    on the use of 4Life’s trademarks, 4Life
       3.4. TELEMARKETING                              If a distributor uses the name 4Life         grants to each distributor so adhering, a
            TECHNIQUES                                 and/or any of 4Life’s products in his        nonexclusive license to use said marks. Said
       The use of any automated telephone              or her advertising, the distributor must     license may be revoked at any time at the
       solicitation equipment or “boiler-room”         identify the mark as the property of 4Life   discretion of 4Life.
       telemarketing operations in connection          Research USA, LLC. All distributors may
       with the marketing or promotion of              list themselves as an “Independent 4Life     3.6. MEDIA AND MEDIA
       4Life, its products or the opportunity, is      Research Distributor” in the white or             INQUIRIES
       prohibited.                                     yellow pages of the telephone directory      Distributors must not attempt to respond
                                                       under their own name. No distributor         to media inquiries regarding 4Life, its
       3.5. TRADEMARKS AND                             may place telephone directory display ads    products or services, or their independent
            COPYRIGHTS                                 using 4Life’s name or logo. Distributors     4Life business. All inquiries by any type
       The name of 4Life and other names as            may not answer the telephone by saying       of media must be immediately referred to
       may be adopted by 4Life are proprietary         “4Life”, “4Life Research”, or in any         4Life’s Corporate Offices.


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                3. OPERATING A
                4LIFE BUSINESS

       3.7. BUSINESS ENTITIES                           3.8. CHANGES TO THE 4LIFE                     Federal Tax Identification Numbers and
       A corporation, partnership or trust                   BUSINESS                                 signatures. To prevent the circumvention
       (collectively referred to in this section as     Distributors must immediately notify          of the “Sale, Transfer or Assignment of
       a “Business Entity”) may apply to be a           4Life of all changes to the information       4Life Business” section (regarding transfers
       4Life distributor by submitting a 4Life          contained on his or her Distributor           and assignments of 4Life business), the
       Business Entity Information Form along           Agreement. Distributors may modify            original applicant must remain as a party
       with its Certificate of Incorporation,           their existing Distributor Agreement (i.e.,   to the original Distributor Agreement. If
       Articles of Organization, Partnership            change Social Security Number to Federal      the original distributor wants to terminate
       Agreement or trust documents (these              Tax Identification Number, or change          his or her relationship with the Company,
       documents are collectively referred to           the form of ownership from an individual      he or she must transfer or assign his or
       as the “Entity Documents”) to 4Life. A           proprietorship to a Business Entity owned     her business in accordance with the “Sale,
       4Life business may change its status under       by the distributor) by submitting a written   Transfer or Assignment of 4Life Business”
       the same Sponsor from an individual to a         request, a properly executed Distributor      section of these Policies. If this process is
       partnership, corporation or trust, or from       Agreement, and appropriate supporting         not followed, the business shall be cancelled
       one type of entity to another. To do so,         documentation. Each business will receive a   upon the withdrawal of the original
       the distributor(s) must provide the Entity       separate IRS Form 1099.                       distributor. All bonus and commission
       Documents to 4Life. The Distributor                                                            checks will be sent to the address of
       Application must be signed by all of the         3.9. ADDITION OF                              record of the original distributor. Please
       shareholders, partners or trustees. Members           CO-APPLICANTS                            note that the modifications permitted
       of the entity are jointly and severally liable   When adding a co-applicant (either an         within the scope of this paragraph do not
       for any indebtedness or other obligation to      individual or a business entity) to an        include a change of sponsorship. Changes
       4Life.                                           existing 4Life business, the Company          of sponsorship are addressed in “Change
                                                        requires a written request as well as a       of Sponsor” section of these Policies and
                                                        properly completed Distributor Agreement      Procedures.
                                                        containing the applicant’s and co-            There is a $25.00 fee for each change
                                                        applicant’s Social Security Numbers or        requested, which must be included with


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       the written request and the completed             or unethical sponsoring, a distributor        receipt of the Sponsorship Transfer
       Distributor Agreement. 4Life may, at its          may request that he or she be transferred     Forms by 4Life for processing and
       discretion, require notarized documents           to another organization with his or           verifying change requests. A transferring
       before implementing any changes to a              her entire Marketing Organization             distributor’s downline shall remain in
       4Life business. Please allow thirty (30) days     intact. All requests for transfer alleging    the original genealogy and shall not be
       after the receipt of the request by 4Life for     fraudulent enrollment practices shall be      moved with the transferring distributor;
       processing.                                       evaluated on a case by case basis, and        however, 4Life reserves the right to
                                                         must be submitted to the Company              make Downline genealogy changes at
       3.10. CHANGE OF SPONSOR                           in writing within sixty (60) days from        its discretion for reasonable business
       The transfer of a 4Life business from             the enrollment date. The request must         purposes.
       one Sponsor to another is rarely                  include a detailed description of why the
       permitted. Requests for change of                 distributor believes his or her enrollment   3.11. CANCELLATION AND
       sponsorship must be submitted in                  was fraudulently induced.                          RE-APPLICATION
       writing to 4Life’s Corporate Offices, and       • The distributor seeking to transfer          A distributor may legitimately change
       must include the reason for the transfer.         submits a properly completed and fully       organizations by voluntarily canceling his or
       Transfers will only be considered in the          executed Sponsorship Transfer Form           her 4Life business and remaining inactive
       following three (3) circumstances:                which includes the written approval          (i.e., no purchases of 4Life products for
                                                         of all parties whose income will be          resale, no sales of 4Life products, no
       • Within ten (10) days of the enrollment
                                                         immediately affected by the transfer.        sponsoring, no attendance at any 4Life
         date, the distributor seeking to
                                                         Photocopied or facsimile signatures are      functions, participation in any other form
         transfer submits a properly completed
                                                         not acceptable. All distributor signatures   of distributor activity, or operation of
         Sponsorship and Enroller Transfer
                                                         must be notarized. The distributor who       any other 4Life business) for six (6) full
         Form which includes the signature of
                                                         requests the transfer must submit a fee      calendar months. Following the six-month
         the distributor seeking to transfer, the
                                                         of $50.00 for administrative charges and     period of inactivity, the former distributor
         signature of the original Sponsor, and the
                                                         data processing. Transferring distributors   may reapply under a new Sponsor.
         signature of the original Enroller.
                                                         must allow thirty (30) days after the
       • In cases involving fraudulent inducement

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                3. OPERATING A
                4LIFE BUSINESS

                                                        diagnosis, mitigation or prevention of any       income claim or earnings representation.
       3.12. INDEMNIFICATION FOR                        diseases. Such statements can be perceived       Because 4Life distributors may not have
             UNAUTHORIZED CLAIMS                        as medical or drug claims.                       the data necessary to comply with the
             AND ACTIONS                                                                                 legal requirements for making income
       A distributor is fully responsible for all of    3.14. INCOME CLAIMS                              claims, a distributor, when presenting
       his or her verbal and/or written statements      In their enthusiasm to enroll prospective        or discussing the 4Life opportunity or
       made regarding 4Life products, services,         distributors, some distributors are              Marketing and Compensation Plan to a
       and the Marketing and Compensation               occasionally tempted to make income              prospective distributor, may not make
       Plan which are not expressly contained           claims or earnings representations to            income projections, income claims or
       in Official 4Life Materials. Distributors        demonstrate the inherent power of network        disclose his or her 4Life income (including
       agree to indemnify 4Life and hold it             marketing. This is counterproductive             the showing of checks, copies of checks or
       harmless from any and all liability including    because new distributors may become              bank statements).
       judgments, civil penalties, refunds, attorney    disappointed very quickly if their results are
       fees, court costs or lost business incurred      not as extensive or as rapid as the results      3.15. COMMERCIAL OUTLETS
       by 4Life as a result of the distributor’s        others have achieved. At 4Life, we firmly        4Life strongly encourages the retailing and
       unauthorized representations or actions.         believe that the 4Life income potential          selling of its products and services through
       This provision shall survive the cancellation    is great enough to be highly attractive,         person to person contact. However, the
       of a distributor’s Distributor Agreement.        without reporting the earnings of others.        Company recognizes that some distributors
                                                        While distributors may believe it beneficial     may find that selling products from small
       3.13. PRODUCT CLAIMS                             to provide copies of checks, or to disclose      retail outlets may be beneficial. Therefore,
       No claims as to any products offered by          the earnings of themselves or others, such       distributors may sell 4Life products in
       4Life may be made except those contained         approaches have legal consequences that          small, individually owned retail outlets.
       in Official 4Life Materials. In particular, no   can negatively impact 4Life as well as           4Life products may not be sold in
       distributor may make any claim that 4Life        the distributor making the claim unless          department stores, chain or franchised
       products are useful in the cure, treatment,      appropriate disclosures required by law are      retail outlets, mass merchandising outlets,
                                                        also made contemporaneously with the             or any retail location with two thousand


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       (2,000) square feet or more of retail          may not recruit other 4Life distributors          indirectly responds to an inquiry by a 4Life
       space. Distributors must obtain written        or customers for any other multilevel             distributor, this also constitutes recruiting.
       authorization from 4Life prior to selling      or network marketing business. During             Distributors may not display 4Life
       any 4Life products in a retail outlet, and     the term of this Agreement and, for a             products or services with any other non-
       4Life retains the discretion to restrict its   period of six (6) months following the            4Life products or services. If operating
       products from being sold in any retail         cancellation thereof, a distributor or            from a physical retail location, 4Life
       location which it does not deem acceptable.    former distributor may not recruit any            products or services must be displayed
                                                      4Life distributor or customer for another         separately from non-4Life products or
       3.16. TRADE SHOWS,                             multilevel marketing business. Because            services. Distributors may not offer the
             EXPOSITIONS AND                          network marketing is often conducted              4Life opportunity, products or services
             OTHER SALES FORUMS                       over the telephone and via the Internet           to prospective or existing customers or
       Distributors may display and/or sell 4Life     through networks of individuals spanning          distributors in conjunction with any non-
       products at trade shows and professional       the U.S. and internationally, any narrow          4Life program, opportunity, product or
       expositions. Distributors may not display      geographic limitation on the scope of this        service. Distributors may not offer any
       and/or sell 4Life products at swap meets,      non-solicitation policy would render it           non-4Life opportunity, products or services
       garage sales, flea markets, farmer’s markets   ineffective. Therefore, this policy shall apply   at any 4Life-related meeting, seminar or
       or Internet auction sites without the prior    to all countries where 4Life is officially        convention.
       written consent of the Company.                open for business. The term “recruit”
                                                      means actual or attempted solicitation,           3.18. DOWNLINE ACTIVITY
       3.17. CONFLICTS OF INTEREST                    enrollment, encouragement or effort to                  REPORTS
             / NONSOLICITATION                        influence in any way, either directly or          All Downline Activity Reports and
       4Life distributors are free to participate     through a third party, a 4Life distributor        the information contained therein are
       in other multilevel or network marketing       or customer to enroll or participate in           confidential and constitute proprietary
       business ventures or marketing                 another multilevel marketing, network             business trade secrets information
       opportunities. However, during the             marketing or direct sales opportunity. If the     belonging to 4Life. Downline Activity
       term of this Agreement, distributors           distributor or former distributor directly or     Reports are provided to distributors


081709 US ENG P&P.indd 13                                                                                                                        10/19/09 3:44 PM
                3. OPERATING A
                4LIFE BUSINESS

       in strictest confidence and are made           or in any manner attempt to influence         preceding six (6) calendar months,
       available to distributors for the sole         or induce any distributor or customer of      within a different line of sponsorship.
       purpose of assisting distributors in           4Life, to alter their business relationship   The use of a spouse’s or relative’s name,
       working with their respective Marketing        with 4Life;                                   trade names, DBAs, assumed names,
       Organizations in the development             • Use or disclose to any person,                corporations, partnerships, trusts, Federal
       of their 4Life business. Distributors          partnership, association, corporation or      Tax Identification Numbers or fictitious
       should use their Downline Activity             other entity any information contained in     identification numbers to circumvent this
       Reports to manage, motivate and                any Downline Activity Report;                 policy is prohibited. This policy shall not
       train their Downline distributors. The       • Upon demand by the Company, any               prohibit the transfer of a 4Life business
       distributor and 4Life agree that, but          current or former distributor will return     in accordance with the “Sale, Transfer or
       for this agreement of confidentiality          the original and all copies of Downline       Assignment of 4Life Business” section of
       and nondisclosure, 4Life would not             Activity Reports to the Company. The          these Policies and Procedures.
       provide Downline Activity Reports to           provisions of this policy shall survive
       the distributor. Accordingly, distributors     the termination or cancellation of a          3.20. ERRORS OR QUESTIONS
       shall not, on his or her own behalf,           distributor’s Distributor Agreement with      If a distributor has questions about
       or on behalf of any other person,              4Life.                                        or believes any errors have been made
       partnership, association, corporation or                                                     regarding commissions, bonuses, Downline
       other entity:                                3.19. CROSS-SPONSORING                          Activity Reports or charges, the distributor
       • Directly or indirectly disclose any        Actual or attempted cross-group                 must notify 4Life within sixty (60) days of
         information contained in any Downline      sponsoring is strictly prohibited. “Cross-      the date of the purported error or incident
         Activity Report to any third party;        group sponsoring” is defined as the             in question. 4Life will not be responsible
       • Use the information to compete with        enrollment, indirect or otherwise, of an        for any errors, omissions or problems not
         4Life or for any purpose other than        individual or entity that already has a         reported within sixty (60) days.
         promoting his or her 4Life business;       current customer number or Distributor
         recruit or solicit any distributor or      Agreement on file with 4Life, or who
         customer of 4Life listed on any report,    has had such an agreement within the


081709 US ENG P&P.indd 14                                                                                                                   10/19/09 3:44 PM
       3.21. EXCESS INVENTORY                          3.22. RIGHT OF PUBLICITY                      Internal Revenue Service. Each distributor
             PURCHASES PROHIBITED                      Distributors authorize 4Life to use their     is responsible for paying local, state and
       Distributors are not required to carry          name, photograph,                             federal taxes on any income generated
       inventory of products or sales aids.            personal story and/or likeness in the         as an independent distributor. If a 4Life
       Distributors who do so may find making          Company’s advertising and/or promotional      business is tax exempt, the Federal Tax
       retail sales and building a Marketing           materials and waive all claims for            Identification Number must be provided
       Organization somewhat easier because of         remuneration for such use.                    to 4Life.
       the decreased response time in fulfilling
       customer orders or in meeting a new             3.23. GOVERNMENTAL                            3.25. INDEPENDENT
       distributor’s needs. Each distributor must            APPROVAL OR                                   DISTRIBUTOR STATUS
       make his or her own decision with regard              ENDORSEMENT                             Distributors are independent distributors,
       to these matters. To ensure that distributors   Federal and state regulatory agencies         and are not purchasers of a franchise or
       are not encumbered with excess inventory        and/or officials do not approve or            a business opportunity. The agreement
       that they are unable to sell, such inventory    endorse any direct selling or network         between 4Life and its distributors does not
       may be returned to 4Life upon the               marketing companies or programs.              create an employer/employee relationship,
       distributor’s cancellation or termination       Therefore, distributors shall not represent   agency, partnership, or joint venture
       pursuant to the “Return of Inventory and        or imply that 4Life or its Marketing and      between the Company and the distributor.
       Sales Aids by Distributors” section of these    Compensation Plan have been “approved,”       A distributor shall not be treated as
       Policies.                                       “endorsed” or otherwise sanctioned by any     an employee for his or her services or
       4Life prohibits the purchase of products        government agency.                            for Federal or State tax purposes. All
       in unreasonable amounts solely for the                                                        distributors are responsible for paying
       purpose of qualifying for commissions,          3.24. INCOME TAXES                            local, state, and federal taxes due from all
       bonuses or advancement in the Marketing         Every year, 4Life will provide an IRS         compensation earned as a distributor of the
       and Compensation Plan. Distributors may         Form 1099 MISC (Non-employee                  Company. The distributor has no authority
       not purchase more inventory than they can       Compensation) earnings statement to           (express or implied), to bind the Company
       reasonably resell or consume in a month,        each U.S. resident as required by the         to any obligation. Each distributor shall
       nor may they encourage others to do so.

081709 US ENG P&P.indd 15                                                                                                                   10/19/09 3:44 PM
                3. OPERATING A
                4LIFE BUSINESS

       establish his or her own goals, hours and     Official Company Materials. No distributor       Department of 4Life. In many cases there
       methods of sale, so long as he or she         may sell, give, transfer, import, export or      are exceptions to the ordinance that apply
       complies with the terms of the Distributor    distribute 4Life products or sales aids in       to 4Life distributors.
       Agreement, these Policies, and applicable     any unauthorized country. In addition,
       laws.                                         no distributor may, in any unauthorized          3.28. COMPLIANCE WITH
                                                     country: (A) conduct sales, enrollment or              LAWS AND ETHICAL
       3.26. INTERNATIONAL                           training meetings; (B) enroll or attempt to            STANDARDS
             MARKETING                               enroll potential customers of distributors;      Distributors shall comply with all federal,
       Because of critical legal and tax             or (C) conduct any other activity for            state and local laws and regulations in the
       considerations, 4Life must limit the          the purpose of selling 4Life products,           conduct of their businesses. In connection
       resale of 4Life products and services, and    establishing a Marketing Organization, or        with the operation of a distributor’s 4Life
       the presentation of the 4Life business        promoting the 4Life opportunity.                 business, the violation of any law, or any
       opportunity to prospective customers and                                                       conduct that is unethical or, in 4Life’s
       distributors located within the United        3.27. ADHERENCE TO LAWS                          sole discretion, may tend to damage its
       States and U.S. Territories and other               AND ORDINANCES                             reputation or goodwill, shall be grounds for
       authorized countries. Moreover, allowing      Many cities and counties have laws               disciplinary action.
       a few distributors to conduct business in     regulating certain home-based businesses.
       markets not yet opened by 4Life would         In most cases these ordinances are not           3.29. ONE 4LIFE BUSINESS PER
       violate the concept of affording every        applicable to distributors because of                  DISTRIBUTOR
       distributor the equal opportunity to expand   the nature of their business. However,           A distributor may operate or have an
       internationally.                              distributors must obey those laws that do        ownership interest, legal or equitable, as a
       Accordingly, distributors are authorized      apply to them. If a city or county official      sole proprietorship, partner, shareholder,
       to sell 4Life products and services, and      tells a distributor that an ordinance applies    trustee, or beneficiary, in only one 4Life
       enroll customers or distributors only in      to him or her, the distributor shall be polite   business. No individual may have, operate
       the countries in which 4Life is authorized    and cooperative, and immediately send a          or receive compensation from more than
       to conduct business, as announced in          copy of the ordinance to the Compliance          one 4Life business. Individuals of the same


081709 US ENG P&P.indd 16                                                                                                                     10/19/09 3:44 PM
       family unit may each enter into or have         be deemed a violation by the entity, and        This fee covers the expense of mailing and
       an interest in their own separate 4Life         4Life may take disciplinary action against      time required to research files and make
       businesses, only if each subsequent family      the entity.                                     copies of the records.
       position is placed frontline to the first
       family member enrolled. A “family unit” is      3.31. REPACKAGING AND RE-                       3.33. ROLL-UP OF MARKETING
       defined as spouses and dependent children             LABELING PROHIBITED                             ORGANIZATION
       living at or doing business at the same         Distributors may not repackage, re-             Upon cancellation of a distributor, all
       address.                                        label, refill or alter the labels on any        individuals on the first level of the canceling
                                                       4Life products, information, materials or       distributor shall move into the vacated
       3.30. ACTIONS OF                                programs in any way. 4Life products must        position.
             HOUSEHOLD MEMBERS                         be sold in their original containers only.
             OR AFFILIATED                             Such re-labeling or repackaging would           3.34. SALE, TRANSFER OR
             INDIVIDUALS                               likely violate federal and state laws, which          ASSIGNMENT OF 4LIFE
       If any member of a distributor’s immediate      could result in severe criminal penalties.            BUSINESS
       household engages in any activity               You should also be aware that civil liability   Although a 4Life business is a privately
       which, if performed by the distributor          can arise when, as a consequence of the         owned, independently operated business,
       named on the application, would violate         repackaging or re-labeling of products, the     the sale, transfer or assignment of a
       any provision of the Agreement, such            persons using the products suffer any type      4Life business is subject to certain
       activity will be deemed a violation by the      of injury or their property is damaged.         limitations. Unless otherwise agreed to
       distributor and 4Life may take disciplinary                                                     in writing, if a distributor wishes to sell
       action pursuant to these Policies against       3.32. REQUESTS FOR                              his or her 4Life business, the following
       the named distributor. Similarly, if any              ADDITIONAL RECORDS                        criteria must be met:
       individual associated in any way with a         Any request from a distributor for
                                                                                                       • The distributor shall offer the Company
       corporation, partnership, trust or other        additional or replacement copies of
                                                                                                         the right of first refusal to purchase the
       entity (collectively “affiliated individual”)   invoices, applications or other records will
                                                                                                         business on the same terms as it would
       violates the Agreement, such action(s) will     require a fee of $1.00 per page per copy.
                                                                                                         be offered to any third party. If the

081709 US ENG P&P.indd 17                                                                                                                       10/19/09 3:44 PM
                3. OPERATING A
                4LIFE BUSINESS

         Company purchases the business, it is up        4Life business;                                their entire Marketing Organization
         to the Company’s discretion whether to        • Prior to offering a 4Life business for sale,   pursuant to the “Roll-Up of Marketing
         retain the business or allow a roll-up to       the selling distributor must notify 4Life’s    Organization” section of these Policies.
         occur;                                          Corporate Offices of his or her intent to      During the pendency of a divorce or
       • Protection of the existing line of              sell the 4Life business.                       entity dissolution, the parties must
         sponsorship must always be maintained                                                          adopt one of the following methods of
         so that the 4Life business continues to be    3.35. SEPARATION OF A 4LIFE                      operation:
         operated in that line of sponsorship;               BUSINESS                                   • One of the parties may, with written
       • A buyer or transferee must become             Distributors sometimes operate their               consent of the other(s), operate the
         a qualified 4Life distributor. If the         4Life businesses as husband-wife                   4Life business pursuant to an assignment
         buyer is an active 4Life distributor, he      partnerships, regular partnerships,                in writing whereby the relinquishing
         or she must first terminate his or her        corporations or trusts. At such time               spouse, shareholders, partners or trustees
         4Life business and remain inactive for        as a marriage may end in divorce, or               authorize 4Life to deal directly and
         six (6) full calendar months before           a corporation, partnership or trust                solely with the other spouse or non-
         becoming eligible for a purchase, transfer,   (the latter three entities are collectively        relinquishing shareholder, partner or
         assignment or acquisition of any interest     referred to herein as “entities”) may              trustee; or
         in the 4Life business;                        dissolve, arrangements must be made to           • The parties may continue to operate the
       • Before the sale, transfer or assignment       assure that any separation or division of          4Life business jointly, whereupon all
         can be finalized and approved by              the business is accomplished so as not to          compensation paid by 4Life will be paid
         4Life, any debt obligations the selling       adversely affect the interests and income          in the joint names of the distributors or
         distributor has with 4Life must be            of other businesses up or down the line            in the name of the entity to be divided
         satisfied;                                    of sponsorship. If the separating parties          as the parties may independently agree
       • The selling distributor must be in good       fail to provide for the best interests of          between themselves. If the parties elect
         standing and not in violation of any of       other distributors and the Company,                neither of the foregoing, 4Life will
         the terms of the Agreement in order to        4Life will involuntarily terminate the             continue to pay commissions to the same
         be eligible to sell, transfer or assign a     Distributor Agreement and roll-up


081709 US ENG P&P.indd 18                                                                                                                      10/19/09 3:44 PM
          individual(s) to whom commissions were           she is thereafter free to enroll under any   distributor or customer, the Company shall
          paid prior to the filing of the divorce          Sponsor of their choosing, and need not      regard the first application received by the
          or dissolution proceeding. Under                 wait six (6) months before reapplying. If    Company as controlling.
          no circumstances will the Marketing              a former entity affiliate has completely
          Organization of divorcing spouses or             relinquished all rights in his or her        3.37. TRANSFER UPON DEATH
          a dissolving business entity be divided.         original 4Life business, he or she must            OF A DISTRIBUTOR
          Similarly, under no circumstances will           remain inactive for six (6) full calendar    Upon the death of a distributor, his
          4Life split commission and bonus checks          months before becoming eligible for          or her business may be passed to
          between divorcing spouses or members             a purchase, transfer, assignment or          his or her heirs. Appropriate legal
          of dissolving entities. 4Life will recognize     acquisition of any interest in the 4Life     documentation must be submitted to
          only one Marketing Organization and              business or before re-applying. In           the Company to ensure the transfer
          will issue only one commission check             divorce and entity dissolution cases,        is proper. Accordingly, a distributor
          per 4Life business per commission                the relinquishing party(s) shall have no     should consult an attorney to assist
          cycle. Commission checks shall always            rights to any distributors in their former   him or her in the preparation of a will
          be issued to the same individual or              organization or to any former retail         or other testamentary instrument.
          entity. In the event that parties to             customer. They must develop the new          Whenever a 4Life business is transferred
          a divorce or dissolution proceeding              business in the same manner as would         by a will or other testamentary process,
          are unable to resolve a dispute over             any other new distributor.                   the beneficiary acquires the right to
          the disposition of commissions and                                                            collect all bonuses and commissions of
          ownership of the business within six (6)       3.36. SPONSORING                               the deceased distributor’s Marketing
          months following the divorce filing or         All Active Distributors in good standing       Organization provided the following
          institution of dissolution proceedings,        have the right to sponsor and enroll others    qualifications are met. The successor(s)
          the Distributor Agreement shall be             into 4Life. Each prospective customer or       must:
          involuntarily canceled. If a former spouse     distributor has the ultimate right to choose
                                                                                                        • Execute a Distributor Agreement;
          has completely relinquished all rights in      his or her own Sponsor. If two distributors
                                                                                                        • Provide an original death certificate and
          his or her original 4Life business, he or      claim to be the Sponsor of the same new
                                                                                                          a notarized copy of the will or other

081709 US ENG P&P.indd 19                                                                                                                       10/19/09 3:44 PM
                3. OPERATING A
                4LIFE BUSINESS

         instrument establishing the successor’s      right to administer the 4Life business;
         right to the 4Life business;                 and (3) a completed Distributor
       • Comply with terms and provisions of the      Agreement executed by the trustee. The
         Agreement;                                   trustee must then:
       • Meet all of the qualifications for the       • Execute a Distributor Agreement;
         deceased distributor’s status;               • Comply with terms and provisions of the
       • Form a business entity and acquire a           Agreement;
         Federal Tax Identification Number, if the    • Meet all of the qualifications for the
         business is bequeathed to or inherited         incapacitated distributor’s status.
         by joint heirs. 4Life will issue all bonus
         and commission checks and one IRS
         Form 1099 to the business entity.
         The heirs must provide 4Life with an
         address of record to which all bonus and
         commission checks will be sent.

       3.38. TRANSFER UPON
       To effect a transfer of a 4Life business
       because of a distributor’s incapacity, the
       successor must provide the following
       to 4Life: (1) a notarized copy of an
       appointment as trustee; (2) a notarized
       copy of the trust document or other
       documentation establishing the trustee’s


081709 US ENG P&P.indd 20                                                                         10/19/09 3:44 PM
                                                                                                          4. RESPONSIBILITIES
                                                                                                           OF DISTRIBUTORS

       4.1. CHANGE OF ADDRESS OR                       supervision with the distributors in their      4.4. ONGOING SALES
            TELEPHONE                                  Marketing Organizations. Examples of                 RESPONSIBILITIES
       To ensure timely delivery of products,          such contact and supervision may include,       Regardless of their level of achievement,
       support materials and commission checks,        but are not limited to: newsletters, written    distributors have an ongoing obligation
       it is critically important that 4Life’s files   correspondence, personal meetings,              to continue to personally promote sales
       are current. Street addresses are required      telephone contact, voice mail, electronic       through the generation of new customers
       for shipping since UPS cannot deliver to        mail, and the accompaniment of Downline         and through servicing their existing
       a post office box. Distributors planning to     distributors to 4Life meetings, training        customers.
       move should send their new address and          sessions, and other functions. Upline
       telephone number to 4Life’s Corporate           distributors are also responsible to motivate   4.5. NONDISPARAGEMENT
       Offices to the attention of the Distributors    and train new distributors in 4Life product     4Life wants to provide its independent
       Services Department. To guarantee proper        knowledge, effective sales techniques, the      distributors with superior products,
       delivery, two (2) weeks advance notice          4Life Marketing and Compensation Plan,          compensation plan and service in the
       must be provided to 4Life on all changes.       and compliance with Company Policies.           industry. Accordingly, we value your
                                                                                                       constructive criticisms and comments.
       4.2. CONTINUING                                 4.3. INCREASED TRAINING                         All such comments should be submitted
            DEVELOPMENT                                     RESPONSIBILITIES                           in writing to 4Life’s Distributor Services
            OBLIGATIONS AND                            As distributors progress through the            Department. While 4Life welcomes
            ONGOING TRAINING                           various levels of leadership, they will         constructive input, negative comments and
       Any distributor who is the Sponsor or           become more experienced in sales                remarks made by distributors about the
       Enroller of another distributor must            techniques, product knowledge, and              Company, its products or compensation
       perform a bona fide supervisory function        understanding of the 4Life program. They        plan serve no purpose other than to sour
       to ensure that his or her Downline              will be called upon to share this knowledge     the enthusiasm of other 4Life distributors.
       is properly operating his or her 4Life          with lesser experienced distributors within     For this reason, and to set the proper
       business. Distributors must have ongoing        their Marketing Organization.                   example for their Downline Organization,
       contact, communication and management                                                           distributors must not disparage, demean


081709 US ENG P&P.indd 21                                                                                                                     10/19/09 3:44 PM

       or make negative remarks about 4Life,         the incident such as dates, number of
       other 4Life distributors, 4Life’s products,   occurrences, persons involved, and any
       the Marketing and Compensation Plan, or       supporting documentation should be
       4Life’s directors, officers or employees.     included in the report.

       4.6. PROVIDING
       Distributors must provide the most current
       version of the Policies and the Marketing
       and Compensation Plan to individuals
       whom they are sponsoring to become
       distributors before the applicant signs a
       Distributor Agreement. Additional copies
       of the Policies can be acquired from 4Life.

       Distributors observing a violation of the
       Policies by another distributor should
       submit a written report of the violation
       directly to the attention of the 4Life
       Compliance Department. Details of


081709 US ENG P&P.indd 22                                                                     10/19/09 3:44 PM
                                                                                     5. SALES

                            5.1. PRODUCT SALES                             price (“wholesale price” being defined as
                            The 4Life Marketing and Compensation           the amount of a single container of product
                            Plan is based upon the sale of 4Life           designated in the 4Life Product Price List
                            products and services to end consumers.        as published and modified from time to
                            Distributors must fulfill personal and         time) will be terminated, without any cure
                            Marketing Organization retail sales            period.
                            requirements (as well as meet other
                            responsibilities set forth in the Agreement)   5.3. SALES RECEIPTS
                            to be eligible for bonuses, commissions        If a distributor sells any 4Life product from
                            and advancement to higher levels of            his or her inventory, he or she must give
                            achievement. At least seventy percent (70%)    the customer a copy of a 4Life retail sales
                            of a distributor’s total monthly Personal      receipt at the time of the sale. Distributors
                            Life Point Volume must be sold to personal     must maintain all retail sales receipts for a
                            retail customers.                              period of two (2) years and furnish them to
                                                                           4Life at the Company’s request. Records
                            5.2. NO PRICE OR TERRITORY                     documenting the purchases of Distributors’
                                 RESTRICTIONS                              Preferred Customers will be maintained by
                            Distributors are not required to sell 4Life    4Life.
                            products at the suggested retail prices set
                            by 4Life on the 4Life Product Price List.
                            Distributors may sell 4Life products at any
                            price they choose. There are no exclusive
                            territories granted to anyone. No franchise
                            fees are required. Any distributor who
                            advertises and/or offers to sell 4Life brand
                            products at a price less than the wholesale


081709 US ENG P&P.indd 23                                                                                          10/19/09 3:44 PM
               6. BONUSES AND

       6.1. BONUS AND COMMISSION                    6.2. ADJUSTMENT TO                            6.3. UNCLAIMED
            QUALIFICATIONS                               BONUSES AND                                   COMMISSIONS AND
       A distributor must be active and in               COMMISSIONS FOR                               CREDITS
       compliance with the Agreement to qualify          RETURNED PRODUCTS                        Distributors must deposit or cash
       for bonuses and commissions. So long as a         AND SERVICES                             commission and bonus checks within six
       distributor complies with the terms of the   Distributors receive bonuses and              (6) months from their date of issuance. A
       Agreement, 4Life shall pay commissions       commissions based on the actual sales         check that remains uncashed after six (6)
       to such distributor in accordance with the   of products to end consumers. When a          months will be void. After a check has been
       Marketing and Compensation Plan. The         product is returned to 4Life for a refund     voided, 4Life will credit the distributor’s
       minimum amount for which 4Life will issue    or is repurchased by the Company, the         account. There shall be a $15.00 charge for
       a check is determined by the Company. If a   bonuses and commissions attributable to       such a transaction; plus a $10.00 monthly
       distributor’s bonuses and commissions do     the returned or repurchased product(s) will   maintenance fee. Any other issued credit
       not equal or exceed the minimum amount,      be deducted, in the month in which the        (other than a voided check) that remains
       the Company will accrue the commissions      refund is given or will be withheld from      unused after six (6) months will incur a
       and bonuses until they reach the minimum     any bonus, commission or other amount         $10.00 monthly maintenance fee.
       amount. A check will be issued once this     owed by the Company. Deductions will
       amount has been accrued.                     continue every pay period thereafter until
                                                    the commission is recovered from the
                                                    distributors who received bonuses and
                                                    commissions on the sales of the refunded


081709 US ENG P&P.indd 24                                                                                                               10/19/09 3:44 PM
                                                                                                           7. PRODUCT GUARANTEES,
                                                                                                           RETURNS AND INVENTORY

       7.1. PRODUCT GUARANTEE                           Distributors” section of these Policies, and   distributor may only return products and
       4Life offers a one hundred percent               the distributor’s Distributor Agreement        sales aids he or she personally purchased
       (100%) 30-day money back satisfaction            shall be canceled.                             from the Company under his or her
       guarantee (less shipping charges) to all                                                        Distributor Identification Number, and
       retail customers. If a customer purchased        7.2. RETURNS BY                                which are in Resalable condition. Upon
       a product from a 4Life distributor, the               DISTRIBUTORS                              receipt of the products and sales aids,
       customer must return the product to that              (PRODUCTS RETURNED                        the distributor will be reimbursed ninety
       distributor for a refund, replacement or              BY PERSONAL RETAIL                        percent (90%) of the net cost of the original
       exchange. If a customer purchased the                 CUSTOMERS)                                purchase price(s), less shipping charges. If
       product directly from the Company, the           If a personal retail customer returns a        the purchases were made through a credit
       product should be returned directly to the       product to the distributor from whom it        card, the refund will be credited back to
       Company.                                         was purchased, the distributor may return      the same account. The Company shall
       If a distributor is unsatisfied with any 4Life   it to the Company for an exchange or           deduct from the reimbursement paid to
       product purchased for personal use, the          replacement (the distributor returning         the distributor any commissions, bonuses,
       distributor may return the product within        the product is responsible for all shipping    rebates or other incentives received by the
       thirty (30) days from the date of purchase       charges).                                      distributor which were associated with the
       for a one hundred percent (100%) refund,                                                        merchandise that is returned.
       a replacement or exchange (less shipping         7.3. RETURN OF INVENTORY
       charges). This guarantee is limited to $300           AND SALES AIDS BY
       in any 12-month period. If a distributor              DISTRIBUTORS
       wishes to return merchandise exceeding           Upon cancellation of a distributor’s
       $300 in any 12-month period, the return          Distributor Agreement, the distributor may
       will be deemed an inventory repurchase           return inventory and sales aids purchased
       and the Company shall repurchase the             within one (1) year from the date of
       inventory pursuant to the terms in the           cancellation for a refund if he or she is
       “Return of Inventory and Sales Aids by           unable to sell or use the merchandise. A


081709 US ENG P&P.indd 25                                                                                                                      10/19/09 3:44 PM
            7. PRODUCT GUARANTEES,

       7.4. PROCEDURES FOR ALL                         shipping-collect packages. The risk of
            RETURNS                                    loss in shipping for returned product
       The following procedures apply to               shall be on the distributor. It is the sole
       all returns for refund, repurchase or           responsibility of the distributor to trace,
       exchange:                                       insure or otherwise confirm that the
                                                       Company has received the shipment. If
       • All merchandise must be returned by the       a distributor is returning merchandise to
         distributor or customer who purchased it      4Life that was returned to him or her by
         directly from 4Life.                          a personal retail customer, the product
       • All products to be returned must have         must be received by 4Life within ten (10)
         a Return Authorization Number which           days from the date on which the retail
         will be obtained by calling the Distributor   customer returned the merchandise to
         Services Department. This Return              the distributor, and must be accompanied
         Authorization Number must be written          by the sales receipt the distributor gave to
         on each carton returned. The return must      the customer at the time of the sale. No
         be accompanied by:                            refund or replacement of product will be
       • A copy of the original dated retail sales     made if the conditions of these rules are
         receipt (if product was returned to the       not met.
         distributor by a retail customer); and
       • The unused portion of the product in
         its original container. Proper shipping
         carton(s) and packing materials are to
         be used in packaging the product(s)
         being returned for replacement. All
         returns must be shipped to 4Life
         shipping pre-paid. 4Life does not accept


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                                                                                                      8. DISPUTE RESOLUTION AND
                                                                                                      DISCIPLINARY PROCEEDINGS

       8.1. DISCIPLINARY                             • Suspension of the individual’s Distributor   8.3. APPEALS OF SANCTIONS
            SANCTIONS                                  Agreement for one or more pay periods;       Following the issuance of a sanction
       Violation of the Agreement, these             • Involuntary cancellation of the offender’s   (other than a suspension pending an
       Policies, or any illegal, fraudulent,           Distributor Agreement;                       investigation), the disciplined distributor
       deceptive or unethical business conduct       • Any other measure expressly allowed          may appeal the sanction to the Company.
       by a distributor may result, at 4Life’s         within any provision of the Agreement        The distributor’s appeal must be in writing
       discretion, in one or more of the               or which 4Life deems practicable to          and received by 4Life’s Compliance
       following corrective measures:                  implement and appropriate to equitably       Department within fifteen (15) days from
                                                       resolve injuries caused partially or         the date of 4Life’s sanction notice. If the
       • Issuance of a written warning or              exclusively by the distributor’s Policy      appeal is not received by 4Life within the
         admonition;                                   violation or contractual breach; and/or      fifteen (15) day period, the sanction will
       • Requiring the distributor to take           • In situations deemed appropriate by          be final. The distributor must submit all
         immediate corrective measures;                4Life, the Company may institute legal       supporting documentation with his or her
       • Loss of privileges, including but not         proceedings for monetary and/or              appeal correspondence and specify in full
         limited to loss of voicemail privileges;      equitable relief.                            detail the reasons why he or she believes
       • Loss of rights to one or more bonus and
                                                                                                    the Company’s initial determination was
         commission checks;                          8.2. GRIEVANCES AND                            erroneous. If the distributor files a timely
       • 4Life may withhold from a distributor
                                                          COMPLAINTS                                appeal of the sanction, the Company will
         all or part of the distributor’s bonuses
                                                     When a distributor has a grievance or          review and reconsider the cancellation,
         and commissions during the period
                                                     complaint with another distributor             consider any other appropriate action
         that 4Life is investigating any conduct
                                                     regarding any practice or conduct in           and notify the distributor in writing of its
         allegedly violative of the Agreement.
                                                     relationship to their respective 4Life         decision.
         If a distributor’s business is canceled
                                                     businesses, the complaining distributor
         for disciplinary reasons, the distributor
                                                     should report, in writing, to the
         will not be entitled to recover any
                                                     Compliance Department at the Company.
         commissions withheld during the
         investigation period;

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       8.4. ARBITRATION                                 Each party to the arbitration shall be          8.5. GOVERNING LAW,
       Any legal cause of action arising out of or      responsible for its own costs and expenses           JURISDICTION AND
       relating to the Agreement, or the breach         of arbitration, including legal and filing           VENUE
       thereof, shall be settled by arbitration         fees. The decision of the arbitrator shall be   Jurisdiction and venue of any matter not
       administered by the American Arbitration         final and binding on the parties and may,       subject to arbitration shall reside in Salt
       Association under its Commercial                 if necessary, be reduced to a judgment in       Lake County or Utah County, State of
       Arbitration Rules, and judgment on the           any court of competent jurisdiction. This       Utah, unless the laws of the state in which
       award rendered by the arbitrator may be          agreement to arbitration shall survive          a distributor resides expressly require the
       entered in any court having jurisdiction         any termination or expiration of the            application of its laws, in which case that
       thereof. Distributors waive all rights to        Agreement.                                      state’s law shall govern all issues relating
       trial by jury or to any court. All arbitration   Nothing in the Agreement shall prevent          to jurisdiction and venue. The Federal
       proceedings shall be held in Salt Lake           4Life from applying to and obtaining            Arbitration Act shall govern all matters
       County, Utah, unless the laws of the state       from any court having jurisdiction a writ       relating to arbitration. The laws of the
       in which a distributor resides expressly         of attachment, a temporary injunction,          State of Utah shall govern all other matters
       require the application of its laws, in which    preliminary injunction, permanent               relating to or arising from the Agreement
       case the arbitration shall be held in the        injunction or other relief available to         unless the laws of the state in which a
       capital city of that state.                      safeguard and protect 4Life’s interest prior    distributor resides expressly require the
       All parties shall be entitled to all discovery   to, during or following the filing of any       application of its laws.
       rights pursuant to the Federal Rules             arbitration or other proceeding or pending
       of Civil Procedure. There shall be one           the rendition of a decision or award in
       arbitrator, an attorney at law, who shall        connection with any arbitration or other
       have expertise in business law transactions      proceeding.
       with a strong preference being an attorney
       knowledgeable in the direct selling
       industry, selected from the panel that
       the American Arbitration Panel provides.


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                                                                                                                 9. ORDERING

       9.1. PURCHASING 4LIFE                           9.3. SHIPPING AND                              bonuses withheld in a subsequent month in
            PRODUCTS                                        BACKORDER POLICY                          which the refund is issued.
       Each distributor should purchase his            4Life will normally ship products within
       or her products directly from 4Life. If         one (1) day from the date on which it          9.4. CONFIRMATION OF
       a distributor purchases products from           receives an order. 4Life will expeditiously         ORDER
       another distributor or any other source,        ship any part of an order currently in         A distributor and/or recipient of an order
       the purchasing distributor will not receive     stock. If, however, an ordered item is out-    must confirm that the product received
       the Personal Life Point Volume associated       of-stock, it will be placed on backorder       matches the product listed on the shipping
       with that purchase. Purchases made from         and sent when 4Life receives additional        invoice, and is free of damage. Failure to
       authorized LP Centers are excepted from         inventory. Distributors will be charged        notify 4Life of any shipping discrepancy or
       this policy.                                    and given Personal Life Point Volume           damage within thirty (30) days of shipment
                                                       on backordered items unless notified on        will cancel a distributor’s right to request a
       9.2. GENERAL ORDER POLICIES                     the invoice that the product has been          correction.
       On mail orders with invalid or incorrect        discontinued. 4Life will notify distributors
       payment, 4Life will attempt to contact the      and customers if items are backordered         9.5. PAYMENT AND SHIPPING
       distributor by phone, and/or mail to try to     and are not expected to ship within thirty          DEPOSITS
       obtain another payment. If these attempts       (30) days from the date of the order.          No monies should be paid to or accepted
       are unsuccessful after five (5) working days,   An estimated shipping date will also be        by a distributor for a sale to a personal retail
       the order will be returned unprocessed.         provided. Backordered items may be             customer except at the time of product
       No C.O.D. orders will be accepted. 4Life        canceled upon a distributor’s request.         delivery. Distributors should not accept
       maintains no minimum order requirements.        Distributors may request a refund, credit      monies from retail customers to be held for
       Orders for products and sales aids may be       on account, or replacement merchandise         deposit in anticipation of future deliveries.
       combined.                                       for canceled backorders. If a refund is
                                                       requested, the distributor’s Personal Life     9.6. INSUFFICIENT FUNDS
                                                       Point Volume will be decreased by the          It is the responsibility of each distributor
                                                       amount of the refund in the month and          to ensure that there are sufficient funds


081709 US ENG P&P.indd 29                                                                                                                       10/19/09 3:44 PM
                   9. ORDERING

       or credit available in his or her account to    9.8. RESTRICTIONS ON THIRD                     remitting sales taxes to the appropriate
       cover the monthly Autoship order. 4Life              PARTY USE OF CREDIT                       authorities shall be that of the distributor.
       is not required to contact distributors              CARDS AND CHECKING                        Exemption from the payment of sales
       in regard to orders canceled due to                  ACCOUNT ACCESS                            tax is applicable only to orders which are
       insufficient funds or credit. This may result   Distributors shall not permit other            shipped to a state for which the proper
       in a distributor’s failure to meet his or her   distributors or customers to use his or        tax exemption papers have been filed and
       Personal Life Point Volume requirements         her credit card, or permit debits to their     accepted. Applicable sales taxes will be
       for the month.                                  checking accounts, to enroll or to make        charged on orders that are drop-shipped
                                                       purchases from the Company.                    to another state. Any sales tax exemption
       9.7. RETURNED CHECKS                                                                           accepted by 4Life is not retroactive.
       All checks returned by a distributor’s bank     9.9. SALES TAXES
       for insufficient funds will be re-submitted     By virtue of its business operations,
       for payment. A $25.00 returned check            4Life is required to charge sales taxes on
       fee will be charged to the account of the       all purchases made by distributors and
       distributor. After receiving a returned check   customers, and remit the taxes charged to
       from a customer or a distributor, all future    the respective states. Accordingly, 4Life
       orders must be paid by credit card, money       will collect and remit sales taxes on behalf
       order or cashier’s check. Any outstanding       of distributors, based on the suggested
       balance owed to 4Life by a distributor for      retail price of the products, according to
       NSF checks and returned check fees may          applicable tax rates in the state to which
       be withheld from subsequent bonus and           the shipment is destined. If a distributor
       commission checks or collected in any           has submitted, and 4Life has accepted, a
       other manner deemed appropriate by 4Life.       current Sales Tax Exemption Certificate
       Reinstatement of payment by check shall be      and Sales Tax Registration License, sales
       at the discretion of 4Life.                     taxes will not be added to the invoice
                                                       and the responsibility of collecting and


081709 US ENG P&P.indd 30                                                                                                                       10/19/09 3:44 PM
                                                                                                            10. INACTIVITY AND

       10.1. EFFECT OF                                  Organization. Distributors waive any            Organization. Therefore, distributors who
             CANCELLATION AND                           and all rights, including, but not limited      personally produce less than the required
             TERMINATION                                to, property rights, in the Marketing           Personal Life Point Volume as specified in
       So long as a distributor remains active and      Organization which they may have had.           the 4Life Marketing and Compensation
       complies with the terms of the Distributor       Following a distributor’s cancellation of his   Plan for any pay period will not receive a
       Agreement and these Policies, 4Life shall        or her Distributor Agreement, the former        commission for the sales generated through
       pay commissions to such distributor              distributor shall not hold himself or herself   their Marketing Organization for that pay
       in accordance with the Marketing and             out as a 4Life distributor and shall not have   period. If a distributor has not fulfilled
       Compensation Plan. A distributor’s               the right to sell 4Life products or services.   his or her personal sales requirements for
       bonuses and commissions constitute the           A distributor whose Distributor Agreement       a period of six (6) consecutive calendar
       entire consideration for the distributor’s       is cancelled shall receive commissions and      months (and thus becomes “inactive”),
       efforts in generating sales and all activities   bonuses only for the last full pay period he    his or her Distributor Agreement shall be
       related to generating sales (including,          or she worked prior to cancellation (less any   canceled for inactivity on the day following
       but not limited to, building a Marketing         amounts withheld during an investigation        the last day of the sixth month of inactivity.
       Organization). Following a distributor’s         preceding an involuntary cancellation).         Written confirmation of the cancellation
       non-continuation of his or her Distributor                                                       will not be provided by 4Life.
       Agreement, cancellation for inactivity,          10.2. CANCELLATION DUE TO
       or voluntary or involuntary cancellation               INACTIVITY                                10.3. INVOLUNTARY
       (termination) of his or her Distributor          It is the distributor’s responsibility to             CANCELLATION
       Agreement (all of these methods are              lead his or her Marketing Organization                (TERMINATION)
       collectively referred to as “Cancellation”),     with the proper example in personal             A distributor’s violation of any of the
       the former distributor shall have no right,      production of sales to end consumers.           terms of the Agreement, including
       title, claim or interest to the Downline         Without this proper example and                 any amendments that may be made by
       Marketing Organization which he or she           leadership, the distributor will lose his or    4Life in its sole discretion, may result
       operated, or any commission or bonus             her right to receive commissions from sales     in any of the sanctions listed in the
       from the sales generated by the Marketing        generated through his or her Marketing          Agreement, including, but not limited


081709 US ENG P&P.indd 31                                                                                                                          10/19/09 3:44 PM
            10. INACTIVITY AND

       to, the involuntary cancellation of his or     will also be canceled. If he or she wishes
       her Distributor Agreement. Cancellation        to remain an Autoship customer, he or she
       shall be effective on the date on which        must contact 4Life’s Distributor Services
       written notice is mailed, faxed or delivered   Department to establish a customer
       to an express courier, addressed to the        account.
       distributor’s last known address or that of
       his or her attorney, or when the distributor   10.5. NON-CONTINUATION
       receives actual notice of cancellation,        A distributor may also voluntarily cancel his
       whichever occurs first. 4Life reserves the     or her Distributor Agreement by failing to
       right to withhold and/or permanently           pay the material and subscription fee on the
       retain funds and prevent any roll-up           Agreement on its anniversary date.
       depending on the individual circumstances
       surrounding each case.

       10.4. VOLUNTARY
       A participant in this multilevel marketing
       plan has a right to cancel at any time,
       regardless of reason. Cancellation must be
       submitted in writing to the Company at
       its principal business address. The written
       notice must include the distributor’s
       signature, printed name, address and
       Distributor Identification Number. If
       a canceling distributor is also on the
       Autoship program, his or her Autoship


081709 US ENG P&P.indd 32                                                                             10/19/09 3:44 PM

       4LIFE                                          AUTOSHIP CUSTOMER                               Marketing Organization. This report
       The term “4Life” as it is used throughout      A customer who has executed a 4Life             contains confidential and trade secret
       the Agreement means 4Life Research USA,        Customer Agreement and who agrees               information which is proprietary to 4Life.
       LLC.                                           to purchase a specified package of 4Life
                                                      products and services each calendar month.      ENROLLER
       ACTIVE DISTRIBUTOR                                                                             A distributor who personally recruits
       A distributor who satisfies the                COMMISSIONABLE                                  another distributor and places the new
       minimum Personal Life Point Volume             PRODUCTS/SERVICES                               distributor in his or her Downline. The
       requirements, as set forth in the 4Life        All 4Life products and services on which        Enroller of a new distributor may also be
       Marketing and Compensation Plan, to            commissions and bonuses are paid.               the new distributor’s Sponsor.
       ensure that a Distributor Agreement            Distributor Kits and sales aids are not
       remains in force.                              commissionable products.                        GROUP LIFE POINT VOLUME
                                                                                                      The commissionable value of 4Life
       AGREEMENT                                      COMPANY                                         products generated by a distributor’s
       The contract between the Company and           The term “Company” as it is used                Marketing Organization. Group Life
       each distributor includes the Distributor      throughout the Agreement means 4Life            Point Volume includes the Personal Life
       Agreement, the 4Life Policies and              Research USA, LLC.                              Point Volume of the subject distributor.
       Procedures, and the 4Life Marketing and                                                        (Distributor Kits and sales aids have no Life
       Compensation Plan, all in their current        DOWNLINE                                        Point Volume.)
       form and as amended by 4Life in its sole       See “Marketing Organization.”
       discretion. These documents are collectively                                                   IMMEDIATE HOUSEHOLD
       referred to as the “Agreement.”                DOWNLINE ACTIVITY REPORT                        Heads of household and dependent family
                                                      A monthly report generated by 4Life             members residing in the same house.
                                                      that provides critical data relating to the
                                                      identities of distributors, sales information
                                                      and enrollment activity of each distributor’s


081709 US ENG P&P.indd 33                                                                                                                     10/19/09 3:44 PM

       LEVEL                                          MARKETING ORGANIZATION                         criteria set forth in the 4Life Marketing and
       The layers of downline customers and           Customers and distributors below a             Compensation Plan for his or her respective
       distributors in a particular distributor’s     particular distributor.                        rank.
       Marketing Organization. This term
       refers to the relationship of a distributor    OFFICIAL 4LIFE MATERIALS                       RESALABLE
       relative to a particular upline distributor,   Literature, audio or video tapes, and other    Products and sales aids are “Resalable” if
       determined by the number of distributors       materials developed, printed, published        each of the following elements are satisfied:
       between them who are related by                and/or distributed by 4Life to distributors.   (1) they are unopened and unused; (2)
       sponsorship. For example, if A sponsors                                                       packaging and labeling has not been
       B, who sponsors C, who sponsors D, who         PERSONAL LIFE POINT                            altered or damaged; (3) the product and
       sponsors E, then E is on A’s fourth level.     VOLUME                                         packaging are in a condition such that it is a
                                                      The commissionable value of services and       commercially reasonable practice within the
       LIFE POINTS                                    products sold in a volume period: (1) by       trade to sell the merchandise at full price;
       Every commissionable 4Life product             the Company to a distributor; and (2) by       (4) products are returned to 4Life within
       is assigned a point value. Distributor         the Company to the distributor’s personally    one (1) year from the date of purchase; (5)
       commissions are based on the total point       enrolled direct and Autoship customers.        the product expiration date has not elapsed.
       value of products sold by each distributor                                                    Any merchandise that was identified
       and his or her Marketing Organization.         QUALIFIED RANK                                 at the time of sale as non-returnable,
                                                      The term “Qualified Rank” refers               discontinued, or as a seasonal item, shall
       LINE                                           the current rank of a distributor, as          not be resalable.
       Also called leg. A part of your Downline       determined by the 4Life Marketing and
       that starts with someone sponsored by you      Compensation Plan, for any volume period.      SPONSOR
       and continues below that sponsorship.          To be considered “Qualified” relative to a     The distributor who is your direct upline.
                                                      particular rank, a distributor must meet the   The Sponsor of a new distributor may also
                                                                                                     be the new distributor’s Enroller.


081709 US ENG P&P.indd 34                                                                                                                     10/19/09 3:44 PM

081709 US ENG P&P.indd 35   10/19/09 3:44 PM
                                           9850 South 300 West
                                             Sandy, UT 84070

                            Item# 80524 v.081709 ©2009 4Life Research USA, LLC

081709 US ENG P&P.indd 36                                                        10/19/09 3:44 PM

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