FOREWORD

From this point forward Health Therapies, LLC. will be referred to as “Health Therapies” while Health Therapies, LLC. Independent Distributors will be referred to as “Distributor.”

These Policies and Procedures govern the way in which an affiliate conducts business with Health Therapies. These Policies and Procedures, along with the Affiliate Registration Form and Agreement, and the Compensation Plan (collectively referred to herein as the “Agreement”), such as may now exist or hereafter be amended, constitutes the complete and binding agreement and understanding between a Health Therapies Independent Affiliate and Health Therapies. Failure to comply with the provisions of any of these documents may result in the termination of the Agreement.

Should any portion of the Agreement, or any instrument published by Health Therapies be declared invalid in a court of jurisdiction, the balance of such rules, applications, or instrument shall remain in full force and effect.

Health Therapies is a direct selling company that markets its products through Independent Affiliates. It is important to understand that your success and the success of your fellow Affiliates depend on the integrity of the men and women who market Health Therapies products and services. The Agreement (as defined below) is made to clearly define the relationship between you and us, between you and your customers and between you and other Affiliates. Health Therapies or its subsidiaries is sometimes referred to as “the Company,” “we,” “us,” and “our,” and the Affiliate agreeing to the Terms and Conditions of the Affiliate Agreement is sometimes referred to as “you” and “your.”

These Policies and Procedures (sometimes herein referred to as the “Policies”), as currently stated and as amended from time to time, are incorporated into and form an integral part of the Affiliate Agreement. When the term “Agreement” is used herein, it collectively refers to the Health Therapies Affiliate Agreement, these Policies and Procedures, and the Health Therapies Compensation Plan. You have the responsibility to read, understand, and adhere to the most current version of these Policies and Procedures. When sponsoring a new Affiliate, you must ensure that he or she is provided with the opportunity to (1) review and understand the Terms and Conditions of the Agreement and (2) read and understand the Policies and Procedures and the Compensation Plan prior to enrolling as an Affiliate.

CODE OF ETHICS

As a Health Therapies Affiliate, I agree to abide by the following:

• I will be honest and truthful in all my activities, whether I sell Health Therapies products or sponsor others as Affiliates.
• I will present Health Therapies products and the Health Therapies marketing plan in an accurate and truthful manner and will make no claim other than those found in current Health Therapies literature.
• I will strive to ensure that my customers are satisfied with the Health Therapies products, with my service, and I will respect the privacy of my customers and Affiliates.
• I will do my best to build my Health Therapies business. I will not engage in activities that are harmful to Health Therapies or to any other Health Therapies Affiliate and will not make negative or derogatory remarks about other people, products, or organizations.
• I will uphold the Rules of Conduct and the Code of Ethics and observe total business ethics while conducting my business.

AUTHORITY CARD

All registered Health Therapies Affiliates will each be issued an Authority Card and upon receipt of the Authority Card, the Affiliate must forthwith affix his/her recent photograph (without any head/ face covering) measuring 3.8cm x 3.2cm (without white border) onto the said card. Any Authority Card without the Affiliate’s photograph shall not be valid and is deemed to be used without Health Therapies’ authority.

At all times when conducting any sales or negotiations, the Affiliate must have in his/her possession a valid Authority Card and must identify himself/herself with the valid Authority Card and National Registration Identification Card (NRIC).

HOURS OF CALL

Affiliates are not allowed to call on customers/prospects:

• On Sunday (in areas where Sunday is observed as a rest day).
• On Friday (in areas where Friday is observed as a rest day).
• On any public
• From 7:00 pm to 9:00 am daily on other days.
• The above hours of call do not apply if you have made an appointment and the customer has consented for you to call on him/her.
• Affiliate’s are strongly urged to always make appointments. Unless you have done so, do not attempt to conduct business at the prohibited hours of call.
• Indicate the purpose of your visit before entering a customer’s If the customer requests you to leave his/her premise, please do so. Do not persist in trying to convince or

push a sale. The customer has a right to make a complaint if you continue to insist that he/ she listens to you.

BUY BACK POLICY

Health Therapies accepts returns when the products were purchased directly from Health Therapies within 90 days and:

• The products returned must be in good, unused, resalable, still available in the current line, and having a minimum of 12 months before expiry date condition.
• All products returned must be backed by proof of purchase and must be accompanied by the Products/Goods Returned Form.
• Products returned will be valued at Affiliates price (minus the maximum percentage payout of compensation plan)
• A refund will then be issued based on the products returned value amount as stated above, and a 10% processing fee must be borne by the Affiliate.

AGAINST PYRAMID SELLING AND GET RICH SCHEME

All Health Therapies Affiliates are strictly prohibited from misrepresenting the opportunity plan as a “get- rich-quick” opportunity, and should not use fraud, coercion, harassment, or other means to force people to join as Affiliates’. Instead, they should focus their efforts on promoting the quality and features of the products.

Health Therapies Affiliates should ensure that facts, figures, or other information given out during presentations and seminars are completely true and accurate and should refrain from making any claims that they know may be untrue or liable to mislead. Similarly, they should not omit or disregard information that may be material.

For instance, if any Health Therapies Affiliates wishes to show prospective Affiliate’s the earning potential, they must keep past records of the maximum, minimum, mean, mode, and median earnings of the examples they wish to show.

As the only requirement for a prospective Affiliate to become an Affiliate of Health Therapies products is to request authorization from Health Therapies by completing an Affiliate Registration Form to signify his/her agreement to abide by the Rules of Conduct and the Code of Ethics, and the purchase of the Health Therapies starter kit.

THE RULES OF CONDUCT FOR HEALTH THERAPIES AFFILIATES

These Rules of Conduct define the rights, duties, and responsibilities of an Affiliate. While the Rules primarily define relationships between Health Therapies and Affiliates, they also concern relationships among Affiliates. The Rules are designed to promote harmony among Affiliate’s and to preserve the benefits available to all Affiliates under the Health Therapies Marketing Plan. In these Rules of Conduct, the following words have the following meanings, unless the context requires otherwise:

• “Code of Ethics” means the Health Therapies Code of Ethics as set out in the Health Therapies Rules of
• “Company/Health Therapies” means Health Therapies LLC 30 N Gould Street, Ste R. Sheridan, WY 82801.
• “Affiliate” means an Affiliate authorized by the Company to distribute Health Therapies
• “Health Therapies Marketing Plan” means the reward system Health Therapies uses to calculate and pay bonuses to its Affiliates.
• “Health Therapies products” means products marketed by Health Therapies and distributed by its Affiliates, and any such other products added thereto or deleted therefrom from time to time by Health Therapies.
• “Rules” means the Rules of Conduct for Health Therapies Affiliates.

AFFILIATE APPLICATION

To become an Affiliate of Health Therapies products, a prospective Affiliate must request authorization from the Company by completing an Affiliate Registration Form to signify his/her agreement to abide by the Rules of Conduct and Code of Ethics.

Any registered company or any person of 18 years and above (other than an undischarged bankrupt) can apply to be a Health Therapies Affiliate. The new Affiliate shall make a payment of $30 as the registration fee and for the purchase of a Starter Kit, the only purchase requirement imposed.

In the event an Affiliate’s spouse wishes to become an Affiliate, the spouse must be included in the Affiliate’s original registration form. However, only the Affiliate’s name will be used for bonuses/incentives and all correspondence. It is imperative that only this name (the Affiliate’s)

and not his/her spouse’s) and ID number be used for all Health Therapies forms and business transactions for accurate organizational records.

On the other hand, the spouse of an Affiliate may sign-up for a new distributorship. However, it must come under the wife’s or husband’s group. Spouses are strictly not allowed to register under a different group.

Affiliate’s may be granted to sole proprietorships, partnerships, and corporations. For such applications, a copy of the business registration or certificate of incorporation and a resolution duly signed by the partners or shareholders must be attached to the Affiliate Registration Form.

Submitted in the Affiliate Registration Form must be true and complete. Health Therapies reserves the right to terminate an Affiliate if false information has been given.

Your efforts to help others grow can become a part of your estate. Your Affiliate is willable.

to your heir. Should the beneficiary be under the age of 18, Health Therapies shall act as trustee until he/ she reaches the age of 18. Nomination of beneficiary is confined to members of the Affiliate’s immediate family only.

AUTHORIZATION OF DISTRIBUTORSHIP AND RENEWAL

An Affiliate’s authorization is valid from the date of registration (upon acceptance by Health Therapies). However, an Affiliate is required to pay their annual membership fee of $29.95 to maintain their distributorship throughout the year.

TRANSFER/RE-APPLICATION OF DISTRIBUTORSHIP

Health Therapies discourages transferring from one sponsor to another. Hence no transfer of distributorship from one sponsor to another is allowed. However, Health Therapies may allow a transfer if in its opinion, the Affiliate’s sponsor, or any of his/her up-line (the Affiliate’s sponsor’s sponsor or above) has caused or contributed to the request for transfer by failing to meet all or any of the responsibilities of an Affiliate or sponsor or if an injustice has been imposed upon the Affiliate. Nevertheless, the transfer shall be to a sponsor next in line.

An Affiliate who has been inactive (no monthly personal sales) for 6 or more consecutive months may, subject to prior written approval of Health Therapies, terminate his/her distributorship and re-apply to become a new Affiliate under a new sponsor. However, Health Therapies may waive this 6-month inactivity requirement if in its opinion, the Affiliate’s sponsor or any of his/her up-line (the Affiliate’s sponsor’s sponsor or above) has caused or contributed to the resignation by failing to meet all or any of the responsibilities of a Affiliate or sponsor, if an injustice has been imposed upon the Affiliate or if the Affiliate’s sponsor has breached any of the terms and conditions of these Rules or the Code of Ethics.

INDEPENDENT BUSINESS RELATIONSHIP

Each Affiliate is an independent businessperson whose success and failure depends on his/her own efforts. As such:

• An Affiliate shall not represent that he/she has any employment, agency, joint venture, or partnership relationship with Health Therapies, and shall make this clear in all dealings with customers.
• An Affiliate shall not make any warranty or representation or statement or do any other acts in the name of or on behalf of Health Therapies and shall not in any way pledge the credit of Health Therapies.
• An Affiliate does not have the authority or the power to bind Health Therapies to any obligations, or to contract in the name of Health Therapies of or on behalf of Health Therapies or create a liability against Health Therapies in any way or for any purpose.
• An Affiliate shall not use Health Therapies’ name, logos, slogans, trademarks, trade names, or any other intellectual property rights (“Trademark(s)”) without Health Therapies’ consent. No Affiliate may produce or procure from any source other than Health Therapies, any item upon which the Trademark(s) is imprinted on any Health Therapies products. No right, title, or interest in the Trademarks or the goodwill associated therewith shall accrue to an Affiliate pursuant to the distribution of Health Therapies products.
• An Affiliate shall promptly notify Health Therapies of any actual, threatened, or potential infringement of any of Health Therapies’ Trademarks, which come to the Affiliate’s attention, and shall do all such things and execute all such deeds and documents as are reasonably necessary to assist Health Therapies in any action which Health Therapies may in its absolute discretion take to prevent or stop such infringement.
• An Affiliate shall keep all records of total income earned during a year and shall be responsible to personally submit such records and income tax payments as required by law.

RESPONSIBILITIES OF AN AFFILIATE

Affiliates are not guaranteed any income or assured of success and an Affiliate will not gain any compensation from the simple recruitment of other An Affiliate. Success will only come from hard work and individual efforts accomplished by the sale of Health Therapies products and through the retail success of Health Therapies Affiliates sponsored. Under no circumstances shall Health Therapies be liable for any losses or claims of an Affiliate and/or his/her downlines which are in any way connected with Health Therapies products and/or the distribution thereof.

Retail and Affiliate prices of Health Therapies products are fixed by Health Therapies and the Affiliate shall not engage in price undercutting or overcharging. Therefore, Health Therapies products must be sold at the respective prices fixed by Health Therapies.

An Affiliate shall explain the directions for use and cautions specified on product labels during the presentation of those products.

An Affiliate shall not modify any of the Health Therapies products or their packaging or alter, remove, or tamper with any of the Trademarks, or numbers or other means of identification used on or in relation to the Health Therapies products.

An Affiliate must not in any way misrepresent the quality or performance of Health Therapies products and must not make any claims other than those set out on product labels and brochures issued by Health Therapies and shall indemnify Health Therapies in respect of any costs or damages arising from such misrepresentation.

An Affiliate shall deliver to each customer at the time of sale a properly completed customer receipt. All contracts provided to a customer must comply with all relevant laws, regulations, and codes of practice.

No Health Therapies product or business aid can be sold at fairs, exhibitions, or any other similar events unless with prior written approval from Health Therapies.

An Affiliate shall promptly notify Health Therapies of any circumstances which may arise whereby the integrity or reputation of Health Therapies products or Health Therapies is threatened. In any such circumstances, the Affiliate shall cooperate fully with Health Therapies and undertake all reasonable instructions given by Health Therapies to limit any damage to Health Therapies and/or to Health Therapies products.

Affiliates are not allowed to be engaged in activities that are harmful to Health Therapies or to any other Health Therapies Affiliate and shall not make any negative or derogatory remarks about other Health Therapies Affiliates or Health Therapies.

Affiliates shall comply with all laws, regulations, and codes of practice applying to the operation of their distributorships and shall not engage in any activity that effects the interests, image, or reputation of Health Therapies.

RESPONSIBILITIES OF A SPONSOR

There is no ‘magic’ involved in the Health Therapies business or in any other business. Those who sponsor widely but who do not help those new Affiliate’s develop their business, achieve limited success. Therefore, a responsibility of sponsorship is to work with Affiliate’s sponsored, helping them learn the business and always encouraging them.

No Affiliate shall represent that there is an obligation to purchase products or that benefits may be derived solely from the purchase of products. Bonuses will only be realized through a Affiliates’s own retail sales of those whom the Affiliate’s has sponsored.

No Affiliate’s shall practice “forced,” “high pressure,” or “fraud” selling tactics, including offering lucky draws, the promise of free gifts, or discounts as an inducement to recruit other Affiliate’s into their network.

No Affiliate shall produce, sell, or distribute copies of literature or programs other than those provided by Health Therapies.

An Affiliate must maintain a professional relationship with his/her downlines (those whom he/she has personally sponsored and those who have been sponsored by his/her Affiliate’s), training and guiding them to build the business.

An Affiliate is required to encourage harmony in his/her network and thus, be responsible to settle any grievances, disputes, or qualms among his/her downlines and shall exercise due care and skill in all dealings with his/her downlines.

An Affiliate shall use his/her best endeavors to promote and develop the business of Health Therapies.

No Affiliates are allowed to entice other Health Therapies Affiliate’s to join another direct sales company.

SUPPLY OF PRODUCTS

Health Therapies may, at any time and at its sole discretion, stop the supply of Health Therapies product(s) or refuse to sell Health Therapies product(s) to any Health Therapies Affiliates without assigning any reasons thereto.

The determination of bonus is at the sole discretion of Health Therapies. Bonus periods are figured on a weekly or every four-week calendar basis and paid directly to qualified Affiliates.

Any dispute or discrepancy in the monthly bonus calculated, must be brought to the attention of Health Therapies in writing within 14 days from the date of bonus is issued, failing such monthly bonus calculated shall be deemed final and conclusive.

Health Therapies reserves the right to deduct all or part of the Affiliates bonus for settlement of any outstanding amount the Affiliate owes Health Therapies.

TERMINATION

Health Therapies may suspend (bonuses and any other incentives of the violating Affiliate shall be withheld during the period of suspension, when investigation of the violation is being carried out) or terminate without notice and with immediate effect, the distributorship of any Health Therapies Affiliate for any non-compliance, breach and/or violation of any of the Rules of Conduct and/or Code of Ethics or for any reason whatsoever.

If an Affiliate is found to be in non-compliance, breach and/or violation of any of the Rules and/ or Code of Ethics or for any reason whatsoever, the Affiliate shall not be entitled to any bonuses and/or other incentives as Health Therapies may in its sole discretion decide.

In addition to Health Therapies’ rights under Rules of Conduct, Health Therapies further reserves the right to take any other course of action against any Affiliate who has breached or violated any of the Rules of Conduct and/or Code of Ethics. Health Therapies shall not be liable for any amount whatsoever because of suspension or termination of the distributorship of an Affiliate in accordance with these Rules.

Affiliates shall (and where applicable shall procure its officers, employees, and agents to) keep confidential any confidential information that it may acquire in relation to Health Therapies and/or the distribution of Health Therapies products and/or in relation to the clients, business, or affairs of Health Therapies and shall not use or disclose such information except with the consent of Health Therapies. This obligation of confidentiality shall survive any termination of this Agreement.

 INDEMNITY

An Affiliate shall be liable for and shall fully indemnify and keep Health Therapies fully indemnified against any costs, liabilities, damages, losses, claims, actions, proceedings, or expenses arising out of or by reason of any breach by the Affiliate, its officers, servants and/or employees (if relevant) of the Rules of Conduct or the Code of Ethics or any default or negligence by the Affiliate, its officers, servants and/or employees (if relevant).

NOTICES

All communications, notices and facsimile transmissions sent pursuant to this Agreement shall be addressed to the address as set out in the Affiliate Registration Form, and shall be deemed properly given to the party on the 3rd day after the envelope containing the same was sent by registered or recorded delivery post or courier to that address or on the date of transmission by facsimile, as the case may be, provided in the case of the latter that a confirming copy is sent by registered or recorded delivery post or courier to that address within twenty-four (24) hours after transmission.

WAIVER

The failure of Health Therapies to exercise any right hereunder shall not be deemed to be a waiver of such right. Any waiver made in writing in respect of any breach of a provision hereof shall be valid but shall not be construed to be a waiver of any succeeding breach of such a provision or any other provision or a waiver of the provision itself.

SEVERANCE

The invalidity or unenforceability of any provision of these Rules shall not affect the validity or enforceability of any other provision, which shall remain in full force and effect.

EFFECTIVE DATE

These Rules take effect immediately (on Affiliate’s registration date), and all Affiliates are deemed to have notice of, and are bound by these Rules.

AMENDMENTS

Health Therapies shall be entitled at any time at its sole discretion to amend, alter, add, or delete any of the Rules of Conduct and Code of Ethics without giving any prior notice to the Affiliate’s, and all Affiliate’s shall be bound by such amendments to the Rules of Conduct and Code of Ethics.

Health Therapies shall keep at its head office a definitive and official copy of the Rules of Conducts as revised and modified or amended from time to time, and in the event of dispute as to the contents or import thereof, the official copy shall be the authentic text.

An Affiliate shall be deemed to have knowledge of all the Rules of Conduct for the time being in force and as amended from time to time, and as stated in the official copy of the Rules of Conduct aforesaid and it shall be incumbent upon the Affiliate to check the latest Rules of Conduct as set out in the official and definitive copy of the Rules of Conduct.

 LANGUAGE

For official interpretation purposes, the English language version of the Rules of Conduct will be used.

CORPORATE VISION STATEMENT

“Our vision has been to live in a world of minimized and managed inflammation, leading to improved health and prolonged useful life.”

BILL OF RIGHTS

Health Therapies entitles its representatives to the following:

• The right to Health Therapies’ continual
• The right to share your ideas with Corporate Executives.
• The right to participate in all the incentives Health Therapies
• The right to view all changes to Health Therapies’ Compensation
• The right to true ownership and protection of the Affiliate
• The right to be treated fairly and
• The right to be notified on all corporate policies by
• The right to earn residual income regardless of the level of
• The right to sponsor new Affiliates’s in any officially opened market
• The right to attend any corporate sponsored function

GLOBAL POLICY

 INEPENDENT AFFILIATE

INDEPENDENT CONTRACTOR STATUS

The Affiliate will not be treated as an employee for federal or state tax purposes.

All Affiliates are Independent Contractors engaged in their own separate business pursuits. Affiliates are not to be considered purchasers of a franchise, nor does the Agreement between Health Therapies and its Affiliates create an employer/employee relationship, agency, partnership, or joint venture. Affiliates are strictly prohibited from stating or implying, whether orally or in writing that their relationship is any other than as outlined above. Each Affiliate shall hold Health Therapies harmless from any claims, damages or liabilities arising out of the affiliates business practices.

Affiliates have no authority to bind Health Therapies to any obligation. Each Affiliate is encouraged to set up his/her own hours and to determine his/her own methods of sales if he/she complies with the terms of the Agreement.

BUSINESS CONDUCT

Affiliates will perform all their business activities in a professional and ethical manner, which will enhance the Affiliates reputation and the positive reputation of Health Therapies. Affiliates will not engage in any conduct that would negatively reflect on Health Therapies or any other Affiliates image.

Affiliates will be courteous and respectful of every person contacted including employees and executives of the corporate office of Health Therapies and will conduct their Affiliates status in a way as to respect the products and professionalism of Health Therapies and its other Affiliates. An Affiliate will under no circumstance disparage or infringe upon the Health Therapies name or reputation in connection with the marketing of Health Therapies products or misappropriate any confidential or proprietary information or trade secrets (including Affiliate name and address lists) for use by the Affiliate or others.

PRODUCT LIABILITY

Health Therapies supplier(s) maintain insurance to protect Health Therapies and its Independent Affiliates against product liability claims. The supplier’s insurance contains a “Vendor Endorsement” which extends coverage to Independent Affiliates, if they are marketing Health Therapies products in accordance with the company Policies and Procedures, product label(s), product literature as well as applicable laws and regulations.

NO PROTECTION FOR IMPROPER USE

An example of liability for improper use is a violation of the health claims restrictions or usage recommendations. Health Therapies supplier(s) insurance covers only those uses, and purposes specifically set forth on the container or in Health Therapies literature. An Affiliate who attempts to change or modify the label or packaging, who misrepresents the product(s) or who makes claims other than those set forth in Health Therapies literature is depriving himself/herself of the protection afforded by the Vendor Endorsement.

NO PURCHASE REQUIRED

No Affiliate is required to purchase any Health Therapies products, services, or programs.

AFFILIATE ENROLLMENT

Health Therapies provides the following fulfillment to its Affiliates; a personalized marketing website that includes web hosting. Health Therapies also provides a back office that enables the Affiliate to manage his/ her business, view online tools, review the calculation and payment of commissions, and access previous records of Affiliate purchases.

When the elects to enroll with the Health Therapies back office at a cost of twenty-nine dollars and ninety-five cents ($29.95 USD), the Affiliate will have unlimited access to his/her back office for one year. This amount includes a non-refundable set-up fee of ten dollars ($10.00 USD). The remaining amount of nineteen dollars and ninety-five cents ($19.95 USD) will be prorated over one year.

AFFILIATE RIGHTS

All Affiliates are authorized to sell Health Therapies products and to participate in the Health Therapies Compensation Plan. All Health Therapies Affiliates may sponsor new Affiliates.

LEGAL AGE

Affiliates must be of legal age in their country or state of residence to operate a Health Therapies entity.

MARRIED COUPLES

Each participant or legal entity is limited to one distributorship. Spouses may each have their own distributorship with Health Therapies. Spouses must be in the same line of sponsorship and a spouse may not be associated directly or indirectly with Affiliate positions in other downline organizations. The action of one spouse will be attributed to both spouses.

CORPORATIONS, PARTNERSHIPS AND TRUSTS

Corporations, limited liability companies, partnerships and/or trusts may become Affiliates ONLY when the completed Registration Form and Agreement is accompanied by notarized copies of the incorporation, articles of incorporation, articles of organization, partnership agreement or trust document or other charter or organic documents as filed with the state or organization (where applicable).

To ensure compliance with this Agreement, Affiliates must disclose a complete list of all directors, officers and shareholders involved in the corporation. That document is to be faxed or emailed to the Support Department of Health Therapies. Limited liability companies must disclose a complete list of all members, officers, and managers. Partnerships must disclose all general and limited partners. Trusts must disclose the trustee(s) and beneficiary/beneficiaries. Proof must be provided of a Federal Tax ID number and a copy of the annual certification from the Secretary of State issued in the state of incorporation, organization, and partnership registration. If any shareholder, partner, member, or manager of an affiliate is itself an entity, then the information required above for the Affiliate shall also be required for such shareholder, partner, member, or manager.

Shareholders, members, partners, beneficiaries and trustees, directors, and officers as applicable, agree to remain personally liable to Health Therapies and bound by all Policies and Procedures. A completed “Operating Under a Business Name” or DBA (Doing Business As) form must be on file with Health Therapies. In any Affiliate position involving the efforts of more than one individual, whether as a corporation, partnership or trust, the actions of one participant shall reflect on the distributorship. If one member is found to have violated the Terms and Conditions of the Policies and Procedures of Health Therapies then the distributorship, will be in violation.

FICTITIOUS AND/OR ASSUMED NAMES

A person or entity may not sign-up for as an Affiliate  using a fictitious or assumed name or use the identity of another person or entities that will not be associated with the Affiliate position. No one may enter a Social Security Number or Tax Identification Number that was not assigned to the primary individual or entity on the distributorship.

TAX IDENTIFICATION NUMBER

All U.S. Affiliates are required by federal law to obtain a Social Security Number or Federal Identification Number and have it on file with Health Therapies. Health Therapies will use this number for all government reporting purposes.

TAXATION

Affiliates will be treated as Independent Contractors for all federal and/or state tax purposes.

As Independent Contractors, Affiliates will not be treated as employees, franchisees, joint ventures, partners, or agents with respect to the Internal Revenue Code, Social Security Act, Federal Unemployment Act, State Unemployment Act, or any other federal, state, or local statute, ordinance, rule, or regulation.

LEGAL COMPLIANCE

All Affiliates shall comply with all federal and state statutes and regulations and local ordinances and regulations concerning the operation of his/her business. All Affiliates are responsible.

for their own managerial decisions and expenditures, including all estimated income and self- employment taxes. At the end of each calendar year, Health Therapies will issue an IRS Form 1099 Misc. for non-employee compensation for Affiliates as required (at the time of this printing the law requires 1099’s only for annual income earned above six hundred dollars ($600.00) within a calendar year).

Since Affiliates are not Health Therapies employees, Health Therapies is not responsible for payment or co-payment of any employee benefits.

NO EXCLUSIVE TERRITORIES

There are no exclusive territories for recruiting purposes, nor shall any Affiliate imply or state that he/she has any exclusive territory rights. There are no geographic limitations on Affiliate sponsoring except in those foreign countries that have not officially been opened by Health Therapies.

INTERNATIONAL MARKETING

Health Therapies owns the worldwide distribution rights to the Health Therapies products and opportunity. We may elect to open certain countries from time to time and will grant Affiliates limited rights to sponsor in those countries. Affiliates shall not sponsor outside of our Opened Countries. To preserve our rights, Affiliates may never secure or attempt to secure approval for Health Therapies products or business practices, or internet domain names, or establish any kind of business or governmental contract on behalf of the Company.

Health Therapies operates under one of two (2) models in those countries in which we have chosen to conduct business:

• On the Ground (OTG). This is a fully operational business model. Products are properly labeled and legalized for resale in the country. Marketing material specific to the country is available for Affiliate residing in that country.
• Not For Resale (NFR). This is a business model of limited activity. Residents of an approved NFR market may enroll to purchase product for personal consumption/use only. They

may not sell, distribute, or gift the product in any way to persons outside their household. They purchase product from our U.S. or designated office and may receive bonuses in U.S. currency where allowable by law. They may furthermore sponsor and enroll other residents of an Opened Country, including both NFR and OTG countries.

To sponsor outside of your home country of enrollment, your distributorship must be in good standing; you must request, read, and comply with the Policies and Procedures and such other guides as we may have available for the Opened Country.

Affiliates compliance with this protects Health Therapies, and our collective ability to conduct business in selected countries. Violation of these policies may result in governmental regulatory action which may include severe fines, confiscation of property, closure of business operations, or even imprisonment.

Therefore, Affiliates may not engage in blind prospecting without prior written approval. Many countries have strict privacy laws that forbid blind solicitations. Also, many local laws forbid advertising for leads.

Affiliates shall not distribute Health Therapies sales tools which have not been approved for the country in which it is intended. Promotional statements from one country’s literature may not be appropriate or legal in another.

OTHER SERVICES AND PRODUCTS

Affiliates are not restricted from selling the services and products of other companies during the term of the Affiliates Agreement. However direct or indirect promotion of those products and services to Health Therapies Affiliates is limited to those personally sponsored. An Affiliate found in violation of this rule risks the loss of buying privileges, possible suspension and/or termination of the Agreement and from participating in the Health Therapies Compensation Plan, in addition to other remedies too which Health Therapies may be entitled.

CROSSLINE RECRUITING

Recruiting others directly or indirectly whether through written, spoken, or implied means from one Health Therapies Affiliate organization to another is strictly prohibited.

REPRESENTATION OF GOVERNMENT ENDORSEMENTS

Federal and state regulatory agencies rarely approve or endorse direct selling programs or products. The FDA does not approve cosmetic or health related products, other than certifying that the products incorporate safe ingredients. Therefore, Affiliates may not represent directly or indirectly that the Health Therapies marketing program or products have been approved/reviewed/endorsed or otherwise backed by any governmental agency.

MEDICAL TREATMENT, APPROVAL AND THERAPY

Affiliates understand that they will not say directly or indirectly that any Health Therapies product is FDA approved, or discuss or suggest that any diagnosis, evaluation, prognosis, description, treatment, therapy, or management or remedy of illness, ailment or disease can be improved by consumption or application of the product. Affiliates understand that Health Therapies products are not offered, intended, or considered as medicinal treatment of any disorder or disease, either mental or physical.

SPONSORSHIP & TRAINING AND TERMS OF TERMINATION

SPONSORING

Affiliates are entitled to sponsor other Affiliates in the United States, its territories and other countries as officially opened by Health Therapies into the Health Therapies program. However, Affiliates are compensated only for the generation of sales of products, not for sponsoring new Affiliates into the program.

SALE/TRANSFER OF DISTRIBUTORSHIP

A distributorship may be sold or transferred to a non-Affiliate only following a period of six (6) months of the origination date. A completed and notarized Sales/Transfer form is to be submitted to the Support Department. When such transfer/sales are approved, and accepted, any volume previously accumulated will be removed.

The Company discourages the sale of distributorships and the transfer of partial interest in distributorships and prohibits the practice of partnerships as a subterfuge for transferring interest in distributorships. If a Affiliate wishes to sell, transfer, or assign (hereinafter in this “sell” if used as a verb and “sale” if used as a noun) his or her whole or partial interests in a Health Therapies distributorship the following criteria must be met:

• The distributorship being sold must be an active distributorship for a minimum of six (6) months immediately prior to the time the request for sale is made.
• The acquiring Affiliate may not currently have a Beneficial Interest in a distributorship or have had a Beneficial Interest in a distributorship within the preceding six (6) months.
• The selling Affiliate may not reapply to become an Affiliate for a period of not less than six (6) months.

The Company has the right to amend this rule at its sole discretion.

MULTIPLE APPLICATIONS

If one applicant submits multiple Registration Forms and Agreement Forms listing multiple sponsors, only the first completed form to be received by Health Therapies will be accepted. Health Therapies reserves the right, at its sole discretion, to make the final decision with respect to all such disputes.

PLACEMENT CHANGES/CORRECTIONS

Placement changes/corrections may be requested within a period of three (3) days from the date of enrollment. Such adjustments require written permission directed to the Support Department submitted from the personal back office of the sponsor, as well as the Affiliate to be moved, and in some cases the up-line Affiliate.

SPONSOR CORRECTION

Sponsor changes are not permitted. However, sponsor corrections can be made if they are reported to the Support Department within a period of three (3) business days. Sponsor corrections must be requested from the Affiliate back office of the current (original) sponsor, stating the reason that the correction needs to be made.

ACQUISITION OF BUSINESS

An Affiliate desiring to acquire another Affiliate’s business must first terminate his/her Affiliate status and wait a period of six (6) months from the date of the resignation notice, before becoming eligible for such a purchase. All such transactions must be fully disclosed through the completion of a Sales/Transfer form submitted to Health Therapies Support Department and is subject to approval by the Company.

ADDING OF CO-APPLICANTS

When adding a co-applicant (either an individual or a business entity) to an existing distributorship, Health Therapies requires a fully executed Co-Applicant Form to be submitted. The original applicant must remain a party to the original Registration Form and Agreement. If the original Affiliate wants to terminate his/her Affiliate relationship with Health Therapies, he/she must do so in accordance with Health Therapies policy. If this is not followed, the business shall be terminated upon withdrawal of the original Affiliate. All bonus and commission checks will be sent to the address on record on the distributorship. A co-applicant may not, under any circumstance, be party to any other distributorship. Note that the modification permitted within the scope of this paragraph does not include change in sponsorship.

PERSONAL INFORMATION

Personal information such as the Affiliate back-office password, the Affiliatess address, telephone number, etc. will be treated as confidential and will not be shared with any other person(s) outside of Health Therapies, unless required by law. In the event of an emergency, the inquiring party may contact Health Therapies Support Department who will advise the Affiliate that someone is attempting to contact him/her.

TRAINING REQUIREMENT

Affiliates are required to assure the adequate training of Affiliates they sponsor. “Adequate training” shall include, but is not limited to, education regarding the Policies and Procedures, Compensation Plan, product information, sound business practices, sales strategies, and ethical business behavior. A sponsor must maintain an ongoing, professional leadership association with Affiliates in his/her organization and must fulfill the obligation of performing a bona fide supervisory, sales or distributive function on the sale or delivery of product and services to the ultimate consumer.

RESIGNATION

Any Affiliate may voluntarily resign his/her Affiliate status by failing to renew when required, or by sending a written notice to the Health Therapies Support Department. Resignation is in effect upon receipt of such notice. An Affiliate  who resigns his/her distributorship may not reapply either individually or have financial interests in any other Affiliate entity for a period of six (6) months from the date of resignation.

SUSPENSION

Health Therapies reserves the right to suspend any Affiliate position at any time for cause when it is determined that the Affiliate has violated the provisions of the Agreement as they might be amended or the provisions of the applicable laws and standards for fair dealing. Health Therapies shall make such involuntary suspension at its discretion. Health Therapies will notify the Affiliate either by postal delivery or email sent to the latest address listed with Health Therapies for the Affiliate. In the event of a suspension a Affiliate agrees to immediately cease representing himself/herself as an Affiliate for Health Therapies.

During the investigation period of the suspension, any commissions, overrides or bonuses which may be due, will be held in abeyance by Health Therapies pending resolution. Should the infraction be deemed unsubstantiated, or the appeal evaluated and accepted by Health Therapies, the suspension shall be lifted and any commissions, overrides or bonuses will be credited to the distributorship. During the applicable suspension period, Health Therapies products and services may be purchased by the suspended Affiliate at the Affiliates’ cost. However, the suspended Affiliate does not have the right to represent himself/herself as an Affiliate, promote his/her Affiliate business or the products during the applicable suspension period. In any instance where applicable law is inconsistent with or requires additional or other action than set forth in the foregoing, such procedure shall automatically be amended to conform to compliance for the residents of that state.

If an Affiliate is suspended for wrongdoing for a determined period, he or she will not be entitled to earn commissions or overrides for the period of the suspension.

TERMINATION

An Affiliate may be terminated for violating any of the terms of the Agreement. Notice of the termination, citing the reason(s) for the action, shall be provided in writing to the Affiliate and delivered either through postal delivery or email. Termination shall be effective as set forth therein, if a timely appeal is not provided by the Affiliate in accordance with the appeal procedure set forth below.

If Health Therapies deems it necessary to terminate an individual’s Affiliate position, the termination would render the terms of the Agreement between Health Therapies and that individual null and void.

APPEAL

A suspended or terminated Affiliate may appeal the action by submitting a letter to the Compliance Department of Health Therapies stating the grounds of appeal. (Note: No telephone calls will be accepted under any circumstances). Health Therapies must receive the letter of appeal within ten (10) business days of the date of such notice. If Health Therapies has not received the letter of appeal by the deadline date, the involuntary suspension or termination shall automatically become final.

If an Affiliate files a timely appeal, Health Therapies will, at its sole discretion, review and notify the Affiliate of its decision. The decision of Health Therapies shall be final and will not be subject to further review.

If the appeal is denied based upon the documentation and evidence presented against the Affiliate, the suspension or termination shall remain in effect as of the date of Health Therapies’ original notice.

SUCCESSION

Notwithstanding any other provisions of this, upon the death of an Affiliate, the Affiliate entity shall pass to his/her successor in interest as provided by law. However, Health Therapies will not recognize such transfers until the successor in interest has submitted a completed Sales/Transfer form to Health Therapies Support Department, together with certified copies of the death certificate and will, trust or other instrument and executed Sale/Transfer form. The successor shall thereafter be entitled to all the rights and subject to all the obligations as any other Affiliate. In addition, the successor in interest must be of legal age in his/her country of residence.

DIVORCE OR DISSOLUTION

During the pendency of divorce or entity dissolution, both parties must adopt one of the following methods of operation:

• One of the parties may, with written consent of the other(s), operate the Health Therapies business whereby the relinquishing spouse, shareholders, members, partners or trustees authorize Health Therapies to deal directly and solely with the other spouse or non-relinquishing shareholder, partner, or trustee.
• The parties may continue to operate the Health Therapies business jointly on a business-as-usual basis, whereby all compensation paid by Health Therapies will be paid in the joint names of the Affiliates, or on the names of the entity to be divided as the parties may independently agree between themselves.
• Under no circumstance will Health Therapies split commissions and bonus checks between divorcing spouses or members of dissolving entities. Health Therapies will recognize only one (1) downline organization and will issue only one (1) commission check per Health Therapies business, per commission cycle. Commission checks shall always be issued to the same individual or entity. If parties of a divorce or dissolution proceedings are unable to resolve a dispute over the disposition of commissions and ownership of the business, the Agreement shall be involuntarily cancelled.

If a former spouse or former entity affiliate has completely relinquished all rights to his/her original Health Therapies business he/she is therefore free to enroll under any sponsor of his/her choosing, so long as he/she meets the waiting period set forth by Health Therapies. In such case, however, the former spouse or party shall have no rights to any Affiliare in his/her organization or any former Affiliate.

CHANGES IN FORM OF BUSINESS ENTITY

An Affiliate that is a Business Entity and desires to change to another type of Business Entity may do so if the equity ownership in the Business Entity does not change. All Equity holders of the former Legal Entity must confirm with a notarized or other form of authentication signature that they agree to the change. Also, a new Affiliate Agreement must be submitted by the new Business Entity. Members of the former Business Entity are jointly and severally liable for any indebtedness or other obligations to Health Therapies.

CONFIDENTIALITY AGREEMENT

Affiliates may gain access to confidential information through the Health Therapies website. Specifically, without limiting the foregoing, the information contained in any genealogical or downline report provided or accessible to an Affiliate by Health Therapies is proprietary and confidential belonging to and owned by Health Therapies and is transmitted or available to the Affiliate in strict confidence. The Affiliate agrees that he/she will not disclose any such confidential or proprietary information to any third party directly or indirectly or use the information to compete with Health Therapies. This information is to be used only for the promotion of the Health Therapies program. The Affiliate and Health Therapies agree that without this agreement of confidentiality and non-disclosure, Health Therapies would not provide the information or make it accessible to the Affiliate. Any Affiliate who is found, or reported to be in violation of this rule, may not only risk the loss of buying privileges, but possible suspension from participating in the Compensation Plan, and termination of the Agreement, and Health Therapies may fully seek injunctive relief and/or remedy for damages that the law allows. It is agreed that this provision shall survive the termination or expiration of this Agreement.

PRODUCT TESTIMONIALS

Any Affiliate is encouraged to share his/her excitement as the result of product consumption and use. Health Therapies reserves the right to use statements and photographs, voluntarily submitted to its Support Department from Affiliates and customers in its promotional material without any financial or other compensation. Upon signing the Agreement, each Affiliates agrees to release his/her testimony by Health Therapies.

TARGETING OTHER DIRECT SELLERS

Affiliates agree to refrain from systematically targeting members of another Network Marketing business to be a Health Therapies Affiliate, this includes, but is not limited to any Amway Distributor. If any lawsuit, arbitration, or mediation is brought against any Affiliate alleging that he or she engaged in such prohibited activity, he or she shall indemnify Health Therapies against all claims, actions, suits, and demands arising from or related to the systematic targeting.

VENDOR CONFIDENTIALITY

Health Therapies business relationship with its vendors, manufacturers, and suppliers are confidential. A Affiliate shall not contact, directly or indirectly, speak to, or communicate with any representative or any supplier, manufacturer, or vendor except at a Health Therapies sponsored event at which the representative is present at the request of Health Therapies.

 TRADEMARK, LITERATURE AND ADVERTISING

 TRADEMARK

The name of Health Therapies, and the name of all the Health Therapies products, services and programs are the trademark of and owned by Health Therapies. Only Health Therapies is authorized to produce and market products and literature under these trademarks. This includes but is not limited to slides, overheads, brochures, videos, domain addresses, email addresses, and other training and/or marketing materials and all promotional materials such as but not limited to t-shirts, caps, pins, magnetic signs, etc. Use of the Health Therapies name on any item not produced or authorized by Health Therapies is prohibited, except in the manner described below:

Mary Jones – Health Therapies Independent Affiliate OR Health Therapies Independent Contractor

Note: No other variation may be used to describe the Affiliates association with Health Therapies.

 YELLOW AND WHITE PAGE LISTINGS

Affiliates are not permitted to use the Health Therapies trade name in advertising their telephone and fax numbers in the white or yellow pages of the telephone book or on the Internet telephone directory without identifying themselves as Independent Affiliates or Independent Contractors.

 “TOLL FREE” TELEPHONE NUMBER LISTINGS

Health Therapies Affiliates are not permitted to list their “toll free” telephone numbers under the Health Therapies trade name without first submitting a request to the Support Department for approval. If approval is obtained for a toll-free listing, it must be stated in the following manner:

John Jones – Health Therapies Independent Affiliate OR John Jones Independent Contractor Note: No other variation may be used to describe the Affiliates association with Health Therapies.

 IMPRINTED CHECKS

Health Therapies Affiliates are not permitted to use the Health Therapies trade name or any of its trademarks on their business or personal checking accounts.

 IMPRINTED BUSINESS CARDS OR LETTERHEADS

Health Therapies Independent Affiliates are not permitted to create their own business cards or letterhead graphics of the Health Therapies name and/or trademark. Only approved Health Therapies versions and wording are permitted.

 COMPANY LITERATURE

Only official Health Therapies literature may be used in presenting Health Therapies products and/or the Health Therapies Compensation Plan. Company literature may not be duplicated or reprinted without prior written permission from Health Therapies which may be obtained through email communication, mail or fax directed to the Compliance Department. Banners, trade show materials, and other related promotional material must be approved in advance and in writing by Health Therapies. Items on the Corporate website and the replicating Affiliate website may be downloaded for promotional purposes.

 ADVERTISING

Only Company approved materials may be used in the placement of any advertising in any print, radio, television, Internet, electronic, or another media. No person shall use the Health Therapies name, logos, trademarks, or copyrighted material in any advertising nor produced by Health Therapies or without express written permission from the Compliance Department of Health Therapies. For approval, mail, fax or email a copy of the proposed advertising material to the Support Department or the Compliance

Department. Include a description of the placement (publication, month, year, etc.). Health Therapies will email, mail or fax edits/approvals with an approval code. Approval codes must be visible on the lower right-hand side of any approved material. Once approval is obtained, no text may be amended or changed. If any change is made whatsoever, the new material must be submitted for approval. Allow approximately forty-eight (48) hours from receipt for processing.

 OPPORTUNITY CLAIMS

The terms that an Affiliate uses when discussing the Health Therapies program are critical. Improper use of terms or the use of improper terms can create a situation that is in violation of regulatory standards, when in fact the proper discussion of the programs reflects the full and complete compliance with all standards. It is the responsibility of all Affiliates to fully understand these differences to avoid suspension or termination for false representation or operation of their distributorship.

 BUSINESS OPPORTUNITY SPECIFIC CLAIMS

The word “fee” should never be used to describe Health Therapies products – regardless of how they are obtained. The only “fee” is for the fully replicable website and business management back office. There is no fee for products, but rather a purchase price set to reflect the true wholesale and retail value of the product.

 INTERNET AND WEBSITE POLICY

A Health Therapies Affiliate may promote his/her Affiliate business through Health Therapies’ replicating website only. The website links seamlessly to the official Health Therapies website giving the Affiliate a professional and Health Therapies-approved presence on the Internet. No Affiliate may independently design a website that uses the names, logos, or products descriptions of Health Therapies, or otherwise promotes (directly or indirectly) Health Therapies products, or the Compensation Program. Affiliates may not advertise or promote their Affiliate business or Health Therapies’ business, product or marketing plan or use Health Therapies’ name in any electronic media or transmission, including on the Internet via website, or otherwise without the prior written approval of the Compliance Department of Health Therapies, which approval may be withheld at its sole discretion. If written approval is given, Affiliatess must abide by the guidelines set forth by Health Therapies, including but not limited to the following:

• Affiliates shall not make offers or solicitations in the guise of research, surveys, or informal communication, when the real intent is to sell products or services or sponsor Affilaites.
• Affiliates operating on-line websites, whether they collect personal information from individual consumers, shall disclose to the consumer in a prominent place on the website how the consumer information will be used.
• Affiliates sharing personal information collected online shall provide individual consumers with an opportunity to prohibit the dissemination of such information, and if any consumer requests that his or her personal information not be shared, Affiliates shall refrain from sharing such information.
• Affiliates shall provide individual consumers the option to terminate any further communication between the Affiliates and the consumer and if any consumer requests that an Affiliate cease communication, the Affiliate shall immediately stop communicating upon such request.
• Affiliates must abide by all laws and regulations regarding electronic communications; (f) Affiliates may not distribute content by use of the distribution lists or to any person who has not given specific permission to be included in such process; spamming or distribution of chain letters or junk mail is not allowed.

(g)    Affiliates may not distribute content that is unlawful, harassing, libelous, slanderous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable material, or which could give rise to civil liability, or otherwise violate any applicable local, state, national or international law or regulation, and (Health Therapies) Affiliates may not directly or indirectly, send bulk unsolicited emails to persons with whom he or she has not had had prior or existing personal or business relationship.

The following statements must be included in each Affiliate’s website:

“Statements made in this publication have not been evaluated by the U.S. Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease.”

“As with any weight management or supplementation program, consult your healthcare provider before beginning any regimen, particularly if you have any existing health concerns. Always read and follow label directions.”

“The earnings and weight loss results mentioned in this publication may not be representative of your results. Your results as a Health Therapies Affiliates depend on your individual effort and enterprise.”

“Product, company and marketing information and photos are copyrighted by Health Therapies and used with permission.”

 DOMAIN NAMES

Affiliates may not use or attempt to register any Health Therapies trade names, trademarks, service marks, product names, the Company name, or any derivative thereof, for any Internet domain name.

 BLOGS, CHAT ROOMS, SOCIAL NETWORKS, AND OTHER ONLINE FORUMS

Affiliates who wish to employ the use of blogs, chat rooms, and social networks to promote their Health Therapies Affiliate business may do so under certain conditions only. Affiliates may post their Health Therapies official website or replicating website for visitors to go to. No other product or service may be promoted or discussed in conjunction with, nor may any comparisons be made concerning other products, their ingredients, effectiveness, etc. in connection with Health Therapies. Affiliates may not make claims of any nature whatsoever concerning Health Therapies products or Affiliates business. Only statements made in official Company Material may be used to promote products or the Affiliate opportunity. Affiliates may list local Affiliate meetings and any corporate events to which visitors would be welcome.

 ELECTRONIC ADVERTISING

Affiliates may not sell, market, or promote the Company’s business, marketing plan, products or services on eBay, Facebook, Amazon, Etsy, Myspace, Craigslist, or any other business Internet site except as detailed under the preceding paragraph. Affiliates shall not make offers or solicitations in the guise of research, surveys, or informal communication, when the real intent is to sell products or services or sponsor Affiliates. If personal information is collected on-line, the Affiliates must provide individual consumers with an opportunity to prohibit the dissemination of such information, and if any consumer requests that his or her personal information not be shared, Affiliates shall refrain from sharing such information. Affiliates shall provide individual consumers the option to terminate any further communication between them and the consumer, and if any consumer requests that he or she wishes to cease communication, the Affiliates shall immediately stop communicating upon such request. It is important that all Affiliates abide by all laws and regulations regarding electronic communications.

 OTHER SALES MEDIA

Health Therapies products may not be sold or promoted through catalogs or other mass sales mediums such as magazines, infomercials, television, radio, or other related sales media, unless approved by the Company.

 E-MAIL AND NEWSGROUP MARKETING

Affiliates emailing or employing other services to email unsolicited and unapproved email flyers are fully responsible for all information regarding the product and marketing program which is not expressly contained in advertising and promotional material supplied directly by Health Therapies. “Spamming” as well as telephoning or faxing without consent in compliance with various laws is strictly prohibited. Other than what is provided by the Company, Health Therapies must approve, in writing, all information representing Health Therapies and/or its products. Affiliates shall not defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as the rights of privacy and publicity) of others. Affiliates shall not publish, post, upload, distribute, or communicate any inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful topic, name, material or information.

Affiliates shall not advertise or offer to sell any goods or services for any commercial purpose or conduct or forward surveys, contests, pyramid schemes or chain letters. Users of the Health Therapies website will not participate in any activity that will restrict or inhibit any other user from using and enjoying the website.

 AUCTION SALES

Affiliates may not sell Health Therapies products via live, silent, Internet or any other type of auctions even if offered at the Affiliates suggested retail price.

 TRADE SHOWS

With written authorization from Health Therapies, Affiliates may display Company products and opportunity at trade shows. Request for participation in trade shows must be received in writing by Health Therapies

at least two (2) weeks prior to the show. Written authorization from Health Therapies must be received before participating in such events. Company products and opportunity are the only products and opportunity that may be offered in the trade show booth. Only Company approved marketing materials may be displayed or distributed.

 GENERIC BUSINESS ADVERTISEMENTS

Affiliates may not imply that a job, position, salary, or any type of employment is being offered to generate business. No advertisement may promote, represent, or imply salaried positions, management positions, hourly wages, full or part time employment, or guaranteed incomes. The Health Therapies opportunity is not employment and may not be presented as such. Terms such as “manager trainee”, “management position available”, “travel provided”, “call for interview”, “position available”, “now hiring”, and other misleading statements are not allowed. No specific income may be promised or implied and any reference to compensation must use the word “bonuses” to indicate the independent contractor status of Affiliates.

 INCOME CLAIMS

Affiliates may not display, in any manner for recruiting purposes or any other reason, their own or anyone else’s commission checks or make specific income claims or representations.

 MEDIA INTERVIEWS

Affiliates are prohibited from granting radio, television, newspaper, tabloid or magazine interviews or using public appearances, public engagements, or making any type of statement to the public media to publicize Health Therapies, its products or their individual Health Therapies business without express, prior written approval from Health Therapies which can reasonably be withheld. All media contacts and inquiries must be coordinated through Health Therapies and must contain a complete description of the interview format and venue.

 ENDORSEMENTS

No endorsements by any Health Therapies officers or administrators or third parties may be alleged, except as expressly communicated in Health Therapies literature and communications.

 INDEPENDENT COMMUNICATIONS

Affiliates as independent contractors are encouraged to distribute information and direction to their respective downline organizations. Health Therapies encourages the prudent distribution of newsletters, training manuals and workshops, and other organizations programs. However, Affiliates must identify and distinguish between personal communication and the official communication of Health Therapies and must comply with these policies.

 AFFILIATE TRAINING

Affiliates are responsible for participation in the training of the Affiliates they sponsor. Training assistance is provided in Health Therapies literature and in additional training tools as well as on the Internet. Further, Affiliates may attend local and regional training workshops for Affiliates.

 AFFILATE SERVICES

Health Therapies provides every Affiliate who generates any income as a Health Therapies Affiliate with management and training communications, timely delivery of products and sales materials, and access on the Internet to reports of sales made by their sales organization for the calendar period in which commissions and overrides are earned and paid.

 RE-PACKAGING PROHIBITED

The repackaging of Health Therapies products for resale is strictly prohibited under any circumstance.

 PROMOTIONAL ITEMS

Affiliate and Affiliate groups may desire to create promotional items such as t-shirts, hats, bags, cups, etc. to show unity and to promote their Affiliate business. Prior to the creation of such items, a request must be submitted to the Company for approval of any material that incorporates and uses any trademarks and copyrights owned by Health Therapies. No promotional item as described above, or any others may be created for sale and only a limited quantity will be permitted. Health Therapies reserves the right to deny any request for the creation and use of such items.

 RECORDINGS

Affiliates shall not produce or reproduce Health Therapies produced audio or video taped materials detailing the Health Therapies opportunity or products. Affiliates shall not audiotape any Health Therapies function.

TELEPHONE ANSWERING

Affiliates may not answer the telephone or create recordings saying “Health Therapies” or in any manner that could lead the caller to believe that he or she has reached the Corporate Offices of Health Therapies.

 LIMITATION OF PRODUCT WARRANTIES

Affiliates may make no claim, representation or warranty concerning any product or service of the Company, except those expressly approved in writing by the Company or contained in official Health Therapies materials. Except as expressly stated herein, the company makes no warranty or representation, express or implied, as to the merchantability or fitness for a particular purpose, workmanship or any other warranty arising by law, statute, usage of trade or course of dealing concerning any product or service purchased from or through the Company. To the maximum extent permitted by applicable law, all such products and services are provided ‘as is,’ ‘with all faults,’ and ‘as available’.

 LIABILITY

Violation of any of the Policies & Procedures may be grounds for suspension and/or termination of that individual’s distributorship. The violator also may be subject to civil or criminal liability resulting from violation of the Affiliate Agreement, the Code of Professional Ethics, the Policies and Procedures of Health Therapies, or state or federal law. Additionally, Health Therapies may withhold payment to any Health Therapies Affiliate to offset any damages suffered by Health Therapies as a result of a Affiliate’s violation of the Affiliate Agreement, the Code of Professional Ethics, the Policies and Procedures of Health Therapies, or state or federal law.

 OPPORTUNITY REPRESENTATIONS

No Affiliate shall engage in any deceptive, false, misleading, unethical, or unlawful consumer or recruiting practice. Affiliates shall ensure that no statements, advertisements, promises, testimonials, or other representations are likely to mislead consumers or prospective Affiliates. Information provided by Affiliates concerning the opportunity and/or participation of the

Affiliates in the Health Therapies opportunity shall be accurate, complete, and not likely to mislead potential recruits. Affilaites shall not make any factual representations to prospective Affiliates that cannot be verified. In particular, Affiliates shall not misrepresent the rank of position they have achieved as an Independent Affiliate in the Health Therapies opportunity, examples of which include, but are not limited to: inclusion of a rank to which you have not achieved in advertising material, either written, verbal, or digital; use of that denote corporate affiliation of some kind, use of titles that have not been bestowed pursuant to the Health Therapies compensation plan.

 PAYMENT OF BONUSES AND OVERRIDES

 AFFILIATE APPLICATION AND AGREEMENT

Bonuses and overrides cannot be paid until a completed Affiliate Registration Form and Agreement has been received and accepted by Health Therapies through the Internet. Bonuses are paid ONLY on the sale of Health Therapies products. No bonuses are paid on the purchase of any sales materials, sales aids or for the recruitment of Affiliates.

 COMMISSION PAYMENTS

The minimum amount of payment of commissions is $25.00 US (twenty-five dollars) or as mandated in any foreign country. If the earned amount is less than that amount, it will be accumulated until such time that the amount exceeds $25.00 US (twenty-five dollars).

 PURCHASE AND SALE OF PRODUCTS

 NO PURCHASE REQUIRED TO BECOME A HEALTH THERAPIES AFFILIATE

No product purchase is required to become a Health Therapies Affiliate. Health Therapies Affiliates are entitled to purchase products from Health Therapies at a discounted price.

 STOCKPILING PROHIBITED

The success of Health Therapies depends upon retail sales to the ultimate consumer; therefore, all forms of stockpiling are discouraged. Health Therapies recognizes that Affiliatess may wish to purchase certain products in reasonable quantities for their own use, for inventory purposes and for the purpose of provisioning new Affiliates as they are sponsored. However, Health Therapies strictly prohibits the purchase of products solely to qualify for advancement in the Compensation Plan.

 INACTIVE AFFILIATE POSITIONS

Any Affiliate position that has not been activated within a period of 14 (fourteen) days from the enrollment date with paid product order(s) and/or back-office service will be considered voluntarily resigned and will not be eligible for reinstatement later. In addition, inactive positions, showing no orders with BV and no back-office service will be terminated by Health Therapies after 90 (ninety) days from the inactive date.

 BACK ORDER

Should any product or sales material be unavailable for any period, Health Therapies Affiliates will be given the option of placing the order and waiting for availability or canceling the order with full reimbursement without penalties until those items are ready for shipping.

 SEVENTY PERCENT RULE

To qualify for commissions and overrides, the Affiliate certifies with the purchase of product that he/she has sold to retail customers and/or has consumed seventy percent (70%) of all products previously purchased. This is known in the industry as the “Seventy Percent Rule”.

Note: Affiliates placing telephone or mail orders are equally required to comply with this rule and will be asked by the order processor or will be required to confirm by signature to verify compliance.

 RETAIL SALES REQUIRED

To qualify for any compensation payable under the Health Therapies Compensation Plan, an Affiliate  must certify, by completion of the Retail Sales Rule Compliance Form, that he/she has made at least one (1) retail sale to five (5) different retail customers in the calendar month in which commissions or bonuses are earned. The compliance form must be received by Health Therapies no later than the fifth (5th) day following each calendar period, if Health Therapies takes measures to confirm that the requisite retail sales have occurred.

 ONLINE RETAIL CUSTOMER PROGRAM

Health Therapies Affiliates in eligible countries may participate in the Online Retail Customer Program and have the ability to direct his or her customers to the Retail Shopping Cart web site to make product purchases. The Online Retail Customer Program allows the retail customer to purchase directly from Health Therapies, which affords the Affiliate the opportunity to earn commissions from his or her retail sales with the freedom of not having to maintain inventory.

Because Health Therapies offers a 90 (ninety) day money-back guarantee to retail customers, there will be a thirty-five (35) day period from the date of each sale for commissions to be earned, ensuring an appropriate timeframe for customer returns. Should a customer elect to return a Health Therapies product purchase, no commissions will be earned.

Health Therapies shall not be responsible for failure to perform hereunder if such breach of performance is caused by any circumstance of Force Majeure, being reasons beyond the reasonable control of Health Therapies. This includes, but is not restricted to, Acts of God, fire, flood, earthquakes, equipment failure, supplier problems, war, acts of terrorism, vandalism, criminal activities and the like. In such event Health Therapies will be relieved of its obligation to perform until a reasonable period has expired following the end of the circumstance or Force Majeure.

 DIRECT PURCHASE

Health Therapies Affiliates may purchase needed product directly from Health Therapies. If an Affiliate obtains product from his/her sponsor or upline Affiliate’s personal inventory, and a replacement product is not placed through Health Therapies, the commissions associated with the purchase will be attributed to the sponsor or upline.

 CREDIT CARD PURCHASES

Credit card purchases may only be made by the individual whose name and address are on the credit card. Any Affiliate who uses another individual’s credit card to pay for purchases risks having his/her Distributorship placed on suspension pending investigation and resolution of any complaints regarding unauthorized charges. Health Therapies considers such transactions fraudulent and will report them to the proper authorities for settlement.

Under no circumstance will any Affiliate or charge back any credit card purchases. Any Affiliate who does so will immediately lose all credit card ordering privileges until the charges are replaced with certified funds. If an erroneous charge is applied to an Affiliates credit card, the Affiliate should immediately contact the Support Department of Health Therapies to initiate an investigation and resolution.

 COMMISSION ADJUSTMENTS

Any upline Affiliate affected by returned products to Health Therapies will accordingly be subject to adjustments in his/or her commissions, overrides and bonus accounts, personal volume, etc. based upon all commissions and bonuses paid on the returned product.

 BONUS BUYING

Bonus buying includes (1) the enrollment of an individual or entity as an Health Therapies Affiliate without the knowledge of and/or execution of an Affiliate  Agreement by such individual or entity, (2) the fraudulent enrollment of an individual or entity as an Affiliate; (3) the enrollment or attempted enrollment of non-existent individuals or entities as Affiliates (phantoms), or (4) the use of a credit card on behalf of an affiliate  when the Affiliate is not the account holder of such a credit card. Bonus buying constitutes a material breach of these Policies and Procedures and is strictly prohibited.

 PAYMENT OPTIONS

Purchases may be paid by credit card only.

 SUBSCRIPTION

Affiliate authorizes Health Therapies to debit the credit card account indicated in this web form for the noted amount on the schedule indicated. This payment is for recurring Health Therapies product subscription. Affiliate understands that Health Therapies offers a 90-day money-back guarantee to retail customers for returns, refunds, and cancellations. There will be a thirty-five (35) day period from the date of each sale for commissions to be earned, ensuring an appropriate timeframe for customer returns. Should a customer elect to return a Health Therapies product purchase, no commissions will be earned. Affiliate understands that this authorization will remain in effect until the schedule end date, or until the Affiliate cancels it in writing, whichever comes first, and the Affiliate agrees to notify the business in writing of any changes in their account information or termination of this authorization at least 15 days prior to the next billing date. If the above noted payment date falls on a weekend or holiday, the Affiliate understands that the payment may be executed on the next business day.

The Affiliate certifies that they are an authorized user of the credit card used and that they will not dispute the payment with their credit card company, so long as the transaction corresponds to the terms indicated in this web form.

 SHIPPING COSTS

It is the ordering Affiliate’s sole responsibility to indicate (a) method and means of shipping, and (b) destination address. The methods available are stated on each order form and on the Health Therapies website along with prepaid costs. Shipping costs will be automatically calculated.

The method of shipping packages will be determined by Health Therapies based upon various factors such as weight and destination unless there are specific shipping instructions made by the Affiliate.

Note: Should the receiving party of an order shipped from Health Therapies refuse delivery, the shipment is then returned to Health Therapies, and the ordering Affiliate’s status will be made ‘inactive’ pending resolution of the delivery refusal. Return delivery charges will be deducted from the Affiliates account.

 RETURNED PACKAGES

If a package is returned due to a Affiliate’s error, or if the package was not picked up in a timely manner and therefore returned, Health Therapies will charge the Affiliate a re-shipping fee.

 TIMELY PRODUCT AND MATERIAL DELIVERY

Upon clearance of payment, Health Therapies processes for shipment the product(s) and material(s) selected. If an item is temporarily unavailable due to high demand, the consignee will be notified by way of the packing slip included with the shipment. Should a back order occur, the item(s) will be shipped as soon as available, usually within ten (10) days of the date the original order and payment were received.

 SPECIAL ORDERS

Health Therapies will not ‘hold’ orders or delay shipments of products that have been processed. Once payment has been received, all orders must be released for shipping.

 DAMAGED GOODS

The shipping company is responsible for damage, which occurs after it takes physical custody of the goods. A Affiliate who receives damaged goods should follow this procedure:

• Accept delivery
• Before the driver leaves, document on the delivery receipt the number of boxes, which appear to be damaged.
• Save the damaged product and box(es) for inspection by the shipping
• Make an appointment with the shipping company to have the damaged goods
• File a claim with the shipping
• Notify the customer service department of Health Therapies.

 SHORT SHIPMENTS

Health Therapies takes pride in fulfilling orders in an accurate and timely manner. However, in those rare instances where errors may occur, a correction will be handled quickly to avoid further delay to the recipient. Affiliates are provided with a period of five (5) business days following receipt of shipment to report any shortages. Once notified and verified, Health Therapies will ship missing items to the address on the original order.

 PRICE CHANGES

All Health Therapies products and literature prices are subject to change without prior notice.

 SUGGESTED RETAIL PRICING

Health Therapies provides a suggested retail price as a guideline. Health Therapies Independent Affiliates may sell Health Therapies products at whatever price they and their customers agree upon, however, an Affiliate is not permitted to advertise any price below Health Therapies suggested retail price. This includes but is not limited to ‘free’ products or any other special pricing that would fall below the SRP. No Health Therapies product may be offered along with the products of any other company.

 RECEIPTS: RETAIL PRICING

Health Therapies Affiliates will provide all retail customers of Health Therapies products with printed sales receipts. Affiliates who order through the Internet for their customers will receive an email confirmation of acceptance in addition to the packing slip, which will be inside the package.

 SALES TAX

For purchases made from Health Therapies, Health Therapies collects and remits applicable state and local taxes, which may be due on the suggested retail price of those products and/or materials, which are subject to tax. The applicable rate of tax due is based upon the address to which the product and/or sales material is to be delivered.

For Affiliates who possess a current Sales Tax Exemption Certificate (STEC): Please refer to the laws of the state in which your certificate was issued to obtain information on how to submit a sales tax refund request, if applicable.

 RETAIL STORES

Health Therapies is a direct sales company. Our success is based upon our AFFILIATES selling directly (one- on-one) to the consumer, in a personal and caring manner. To maintain this personal contact with our customers, and to provide equal opportunity to all Affiliates to sell Health Therapies products to consumers, Health Therapies places certain restrictions on the sales of its products to or through commercial establishments. Distribution of products is not permitted through chain stores. Health Therapies determines chain stores to be any retail establishment with more than three (3) separate locations.

Health Therapies products offered in retail establishments must be sold at the Affiliate SRP (Suggested Retail Price).

Health Therapies will be the sole judge of whether a commercial enterprise violates the policies, spirit or intent of its guidelines and reserves the right to modify, amend or rescind its approval as current business conditions may dictate.

 CONSIGNMENT

To protect the Health Therapies business and the integrity of the Company, Health Therapies products may not be delivered to another party on consignment. Only authorized Health Therapies Affiliates may sell Health Therapies products to an outside party.

Health Therapies will not ship products on consignment to any Health Therapies Affiliate.

 RETAIL GUARANTEE AND REFUND POLICY

 RETAIL CUSTOMER RETURNS

Health Therapies offers a 90 (ninety) day 100% (one hundred percent) unconditional money back guarantee on products to all retail customers, less shipping charges for online sales. Every Health Therapies Affiliate is bound by his/her Agreement and the Policies and Procedures to honor this guarantee. Prior to the completion of any retail sale a Affiliate must make a verbal disclosure of the right to cancel. If a retail customer is dissatisfied with any Health Therapies product for any reason, then the retail customer may return the unused portion of the product to the AFFILIATE from whom it was originally purchased within 90 (ninety) days for either a replacement, exchange for another product or a full refund of the purchase price of the product.

Health Therapies will replace the returned product to the Affiliate providing the following steps and conditions are met:

The Health Therapies Support Department is notified of a pending retail customer return.

The Affiliate through who it was originally purchased returns the product to Health Therapies as instructed by the Support Department.

The product is received by Health Therapies within fifteen (15) days from the return date to the Affiliate.

The return is accompanied by the following:

• A signed statement from the retail customer identifying the reason for the return and including*:
  • a dated copy of the original retail sales receipt
  • the product has received from the retail customer
  • the name, address, and telephone number of the retail customer

Proper shipping carton(s) and packing material are to be used in packaging the product(s) being returned for replacement, and the best and most economical means of shipping is suggested. Health Therapies will pay the cost of shipping replacement product(s) to the Affiliate. Health Therapies will not refund to any Affiliate, the purchase price of any retail customer returns, and no replacement products will be released if the conditions of the rule are not met.

Retail sales return requests must be clearly written with complete details (name, address, telephone number, email, if available, and any other information which would allow Health Therapies to verify the sale and subsequent return.) Unverifiable retail sales cannot be replaced. Falsified information could lead to further investigation and possible suspension of distributorship.

 RETURN PRODUCT AUTHORIZATION

Before any product may be returned to Health Therapies, whether it is a shipping error, retail customer return, damaged products or resignation, the Affiliate must contact the Health Therapies Support Department either by fax, postal delivery, or email to obtain a Return Merchandise Authorization Number (RMA). Any package received without such identification clearly visible on the package exterior will be refused.

 QUALITY CONTROL (QC)

Health Therapies will replace, within ninety (90) days of purchase any product found to be defective. However, no product(s) should be returned to Health Therapies prior to the approval to do so from the Support Department, whether through telephone, fax, or email request. To assure that replacement product will be issued, strict compliance to the following procedure is required:

• A written replacement request must be submitted, stating the reason for the request, and accompanied by verification of payment and a copy of the Product Order form and packing slip.
• Upon notification Health Therapies will instruct the Affiliate where to ship product and will issue an RMA (Return Authorization Number), which must be clearly written on the exterior of the returned package. Upon receipt and verification Health Therapies will ship out replacement product(s).

RESIGNATION RETURNS

If the Affiliate has purchased products for inventory purposes or sale aids while the Agreement was in effect, all product in a CURRENTLY MARKETABLE, REUSABLE AND RESALABLE condition which have been purchased within twelve (12) months** shall be repurchased subject to compliance with the Seventy Percent Rule (see 5.5. Purchase and Sale of Products). The repurchase shall be at a price of not less than ninety percent (90%) of the original net cost to the participant, minus any freight charges and commissions paid to the Affiliate.

Note: This can only offset commissions earned because of the product return. Any such requests will be considered a resignation of the distributorship.

If inventory is returned that does not meet the above conditions for return, such merchandise will be held for a period of ninety (90) days during which time the Affiliate has the right to request return of those items. Affiliates will pay for all shipping charges. Should this request not be received by the Support Department of Health Therapies in the time noted above, Health Therapies reserves the right to destroy such inventory without further compensation to that Affiliate. To ensure that a refund is issued in a timely manner, the following steps should be followed:

• A written request must be submitted, either by fax or email to Health Therapies Support Department, clearly citing the reason for the resignation and for the return of product and/or sales materials.
• Upon receipt of the proper information, Health Therapies will instruct the Affiliate where to ship the products along with an RMA (Return Merchandise Authorization), which must be clearly visible on the exterior of the (Any return without this information visible on the outside of the package will be refused without exception). Health Therapies will issue the refund within approximately thirty (30) days from the date of receipt of the authorized merchandise.
• The Affiliate assumes the cost of shipping any merchandise to Health Therapies.
• The Affiliate assumes responsibility for packing and shipping products back in a manner that will ensure that it is received in a timely manner and with minimal
• Refunds will be issued in the same manner that payment was received. This means that if a credit card was used initially, the reimbursement will be issued back to that same credit card.

** The permissible return period will vary according to country and state laws.

 UNAUTHORIZED RETURNS

Should a Affiliate refuse delivery of any Health Therapies shipment or request to return any previously purchased product for a refund, such request will be deemed as a voluntary resignation.

 BUYER’S RIGHT TO CANCEL

Federal law empowers a buyer to cancel certain sales without penalty prior to midnight of the third (3rd) business day following the transaction. This rule covers retail consumer sales of twenty-five dollars ($25.00) or more that occurs away from the retailer’s main office. In addition, the Affiliate must orally inform the buyer of the three (3) day right to cancel at the time the buyer signs the contract of sales or purchase of goods.

 EXCHANGES

Health Therapies will not accept product exchanges from Affiliates.

 AFFILIATE RESPONSIBILITY

If a retail customer mails or delivers to a Affiliate valid notice of cancellation prior to midnight on the third (3rd) business day after ordering or purchasing product, it must be honored by the Affiliate. If a buyer has taken delivery of any goods, that product must be returned, along with the notice, in as good a condition as when delivered. Within ten (10) business days after receiving the notice, the Affiliate must refund all payment made under the contract of sale.

Should a retail customer contact Health Therapies Support concerning the refusal of a Affiliate to issue the appropriate refund in the time indicated, that Affiliate will be subject to suspension of Distributorship pending resolution of the complaint.

 GENERAL PROVISIONS

  RECORD KEEPING

Health Therapies encourages all its Affiliates to maintain complete and accurate records of their business transactions. Health Therapies may exercise its option to request records relating to retail sales or other matters as described herein or as required by applicable law.

 AMENDMENTS

To maintain a viable Marketing Program in changing economic conditions and/or to comply with changes to federal, state, or local laws, Health Therapies at its discretion reserves the right to amend the Policies and Procedures as set forth therein, its Affiliates prices or suggested retail prices, product availability and formulations, and Compensation Plan, as it deems appropriate without prior notice. Such Policies and Procedures and Compensation Plan modifications and all changes thereto, shall become a binding part of the Agreement upon publication on the official Health Therapies website. It is the Affiliates responsibility to stay abreast of current and updated information and Health Therapies is in no way liable for any Affiliates ignorance of the correct and current information if he or she fails to do so. In the event of any conflict between the Agreement and any such amendment, the amendment shall prevail. If Company brochures, product catalogs, price lists, literature, website, fax on demand information, etc. are revised; only the most current version is authorized for use by Health Therapies Affiliates.

 NON-WAIVER PROVISIONS

No failure of Health Therapies to exercise any power under these Policies and Procedures or to insist on strict compliance by a Affiliate with any obligation or provision herein, and no custom or practice of the parties at variance with these Policies and Procedures, shall constitute a waiver of Health Therapies right to demand exact compliance with these Policies and Procedures. Waiver by Health Therapies can be affected only in writing by an authorized officer of Health Therapies.

Health Therapies’ waiver of any default by a Affiliate shall not affect or impair Health Therapies’ right with respect to any subsequent default, nor shall it affect in any way the right or obligation of any other Affiliate, nor shall any delay or omission by Health Therapies to exercise any right arising from default, affect or impair Health Therapies’ right as to that, or any subsequent default.

CERTAIN RESIDENTS ONLY

The following only applies to Affiliates who are residents of Georgia, Louisiana, Massachusetts, Wyoming, Montana, and other states that may specifically require the following: A Affiliate in a multilevel marketing plan has the right to cancel at any time regardless of reason. Cancellation must be submitted in writing either by postal delivery, fax or through email. This is an Affiliate Marketing Project not Multi-Level Marketing.

If the Affiliate has purchased a product or paid for administrative services while this Agreement was in effect, taking into consideration any sales made by or through such Affiliate prior to the notification to Health Therapies of the election to cancel, Health Therapies shall repurchase all unencumbered product in a reasonable resalable or reusable condition which was acquired by the Affiliate from Health Therapies. Such repurchase shall be at a price of no less than ninety percent (90%) of the original cost minus any freight charges and commissions paid to that Affiliate.

The repayment of all administrative fees and services shall be at not less than ninety percent (90%) of the cost to the Affiliate of such fees and services and shall reflect all administrative services that have not, at the time of resignation, been provided to the Affiliate. Health Therapies shall further refund not less than ninety percent (90%) of the cost to the Affiliate of any other consideration paid by the Affiliate to participate in the program. The Affiliate will be held responsible for all shipping expenses incurred in returning sales aids or products to Health Therapies.

 REPORTING POLICY VIOLATIONS

Affiliates observing a policy violation by another Affiliate should submit a written report of the violation to the Compliance Department of Health Therapies by email. Such documents must bear the writer’s signature and Affiliate’s Personal Identification Number. Anonymous complaints will not be accepted.

Note: No telephone calls will be accepted in such matters, as documentation must be presented in writing, both from the complaining parties and ultimately from the individual(s) cited for policy

violation. Details of the incident such as dates, number of occurrences, persons involved, witnesses and any other supporting documentation should be included in the report.

 ARBITRATION

All disputes and claims relating to Health Therapies, the Agreement, or its products, the rights and obligations of an Affiliate  of Health Therapies, or any claims or causes of actions relating to the performance of either a Affiliate or Health Therapies under the Agreement, and/or a Affiliate’s purchase of products shall be settled totally and finally by arbitration in the state of California, or such other location as Health Therapies prescribes, in accordance with the Federal Arbitration Act, and the Commercial Arbitration Rules of the American Arbitration Association. There shall be one (1) arbitrator, an attorney at law, who shall have expertise in business law transactions with preference being an attorney knowledgeable in the direct selling industry, selected from a panel, which the American Arbitration Association approves. Each party to the arbitration shall be responsible for its own costs and expenses of arbitration, including legal and filing fees. If a Affiliate files a claim or counterclaim against Health Therapies, an Affiliate  shall do so on an individual basis and not with any other Affiliates or as part of a class action. The decision of the arbitrator shall be final and binding on the parties and may, if necessary, be reduced to a judgment in any court of competent jurisdiction. This agreement for arbitration shall survive any termination or expiration of the Agreement.

Notwithstanding the foregoing, the arbitration shall have no jurisdiction over disputes relating to the ownership, validity or registration or any mark of other intellectual property or proprietary confidential information of Health Therapies, without Health Therapies’ written consent. Health Therapies may seek any applicable remedy in any applicable forum with respect to these disputes and with respect to money owing to Health Therapies. In addition to monetary damages, Health Therapies may obtain injunctive relief against a Affiliate in violation of the Agreement, and for any violation of misuses of Health Therapies trademark, copyright, or confidential information policies.

Nothing in these Policies and Procedures shall prevent us from terminating the Affiliate Agreement or applying to and obtaining from any court having jurisdiction a writ attachment, a temporary injunction, preliminary injunction, permanent injunction, or other relief available to safeguard and protect our interest prior to, during or following the filing of any arbitration or other proceedings or pending the rendition of a decision or award in connection with any arbitration or other legal proceedings.

The existence of any claim or cause of action of an Affiliate against Health Therapies, whether predicated on the Agreement or otherwise, shall not constitute a defense to Health Therapies enforcement of the covenants and agreements contained in the Agreement.

 PROCESS AND POWER

The arbitration shall be conducted in accordance with these Policies and Rules. The arbitration and all proceedings associated therein are private proceedings and not subject to any public right of access. The arbitrator shall have the authority to enter appropriate protective orders to preserve the confidentiality of the proceedings and information exchanged in discovery. The arbitrator shall have the authority, power, and jurisdiction to grant both legal and equitable relief, including temporary, preliminary, and permanent injunctive relief. The arbitrator shall also have authority to determine whether any issue is subject to arbitration under the Agreement. The decision of the arbitrator shall be final and binding on the parties and may, if need be, be reduced to a judgment

in any court of competent jurisdiction. At the request of any party, the arbitrator shall make and provide the parties written findings of fact and conclusion or law. This agreement to arbitration shall survive any termination or expiration of the Agreement.

 COSTS

The parties shall equally share the assessed costs associated with the arbitration, including all arbitrator fees, providing however, that the prevailing party in any appeal to the Appeals Panel shall be entitled to recover its share of the costs of such appeal from the non-prevailing party. The parties shall each bear their own attorney fees in connection with the arbitration and any appeal, irrespective of which party prevails and any demand or request for such fees.

Notwithstanding the foregoing, the arbitrator shall have no jurisdiction over disputes relating to the ownership, validity, use of registration of any Proprietary Mark or other intellectual property or Confidential Information of the Company without the Company’s prior written consent. The Company may seek any applicable remedy on any applicable forum with respect to these disputes. Nothing contained herein shall be deemed to give the arbitrator any authority, power or right to alter, change, amend, modify, add to, or to subtract from any of the provisions of the Policies and Procedures, Compensation Plan or the Affiliate Agreement.

 NO LIABILITY

Health Therapies is not responsible for interrupted, inaccessible, or unavailable networks, servers, satellites, Internet service providers, web sites, or other connections; or for miscommunications, failed, jumbled, scrambled, delayed, or misdirected computer, telephone or cable transmissions; or for any technician malfunctions, failures or difficulties. To the extent permitted by law, Health Therapies shall not be liable for and each Affiliate releases Health Therapies from, and waives all claims for any loss of profits, indirect, direct, special or consequential damages or any other loss incurred or suffered by an Affiliate as a result of (a) the breach by an Affiliate of the Affiliate Agreement and/or the Terms and Conditions of the Policies and Procedures; (b) the operation of the Affiliates business; (c) any incorrect or wrong data or information provided by the Affiliates; or (d) the failure to provide any information or data necessary for the Company to operate its business, including, without limitation, the enrollment and acceptance of an Affiliate into the Compensation Plan or the payment of commissions and bonuses.

 ENTIRE AGREEMENT

This Agreement (comprised of these Policies and Procedures, the Affiliate Registration Form and Agreement and the Compensation Plan) as may exist or hereafter be amended, constitutes the entire agreement of the parties regarding their relationship, the subject matter hereof and related hereto.

 SEVERABILITY

If under any applicable and binding law or rule of any applicable jurisdiction, any provision of the Agreement, including these Policies and Procedures, or any specification, standard or operating procedure which Health Therapies has prescribed is held to be invalid or unenforceable, Health Therapies shall have the right to modify the invalid or unenforceable provision, specification, standard operating procedure, or any portion thereof to the extent required to be valid and enforceable. An Affiliate shall be bound by any such modification. The modification will be effective in the jurisdiction on which it is required.

 LIMITATION OF DAMAGES

To the extent allowed by law, Health Therapies and its affiliates, officers, directors, employees and other Affilaites shall not be liable for and each Affiliate hereby releases the foregoing from, and waives any claim for loss of profit, incidental, special, consequential or exemplary damages, which may arise out of any claim whatsoever relating to Health Therapies’ performance, non-performance, act or omission with respect to the business relationship or other matter between the Affiliate and Health Therapies whether in contract, tort or strict liability. Furthermore, it is agreed that any damage to the Affiliate shall not exceed and is hereby expressly limited to, the amount of unsold Health Therapies product owned by the Affiliate, which was directly purchased thereby from Health Therapies and any commissions or bonuses due.

 INDEMNITY AGREEMENT

Each and every Affiliate agrees to indemnify and hold harmless Health Therapies, its shareholders, officers, directors, employees, agents and successors in interest from and against any claim, demand, liability, loss, cost or expense including, but not limited to, court cots and attorney’s fees, asserted against, suffered or incurred by any of them, directly or indirectly, arising out of, or in any way related to or connected with, allegedly or otherwise, the Affiliate’s (a) activities as an Affiliate;

(b) breach of the terms of the Affiliate Agreement or these Policies and Procedures; and/or (c) violation of or failure to comply with any applicable federal, state, or local law or regulation.

 FORCE MAJEURE

Health Therapies shall not be responsible for delays or failure in performance caused by circumstances beyond a party’s control, such as strokes, labor difficulties, fire, war, government decrees or orders or curtailment of a party’s usual source of supply.

 GOVERNING LAW

The Affiliate Agreement and these Policies and Procedures shall be governed by the laws of the state of California.

The State of California is the place of origin of the Agreement and venue where the Company accepted the offer of an applicant to become a Affiliate. The Agreement is governed by and to be construed in accordance with the laws of the State of California without reference to the conflict of laws principles thereof, and the arbitration provisions herein are governed by the Commercial

Arbitration Rules of the American Arbitration Association (the “Rules”), except as such requirements may be specifically varied and modified by the terms set for herein. You submit to the arbitral jurisdiction set forth therein and, with respect to any matters not determined by or subject to arbitration to the personal jurisdiction of the state and deferral courts within the state of California.

 PRIVACY POLICY

Privacy Policy Effective January 2, 2017

This Privacy Policy (“Privacy Policy”) is associated with a website owned by Health Therapies, LLC. (“Health Therapies”) includes numerous product marketing Websites (the “Websites”). The Privacy Policy is in effect for all Websites owned and operated by Health Therapies, LLC. By using any of the Websites, you signify that you have read, understand, and agree to be bound by this Privacy Policy. This policy applies to all online communication with Websites owned by Health Therapies, LLC. or its affiliated companies. When you provide us with online information through any of the Websites, we respect your privacy. It is important for you to understand what information we collect about you during your visit and what we do with that information. Your visit to any of our websites is subject to this Privacy Policy and our Terms and Conditions.

 INFORMATION COLLECTED

You may browse our websites without providing any personal information. If you decide to place an order, we will ask you for your name, delivery and billing address, phone number(s), email address, credit card number and its expiration date. If you choose to register to become a Affiliate with Health Therapies, we may ask you for information such as your contact information (e.g., name, e-mail address and mailing address), or birth date. When you submit your personal identifiable information on one of the Websites, you are giving your consent to the collection, use and disclosure of your personal information as set forth in this Privacy Policy. We may also collect, store, or accumulate certain non-personally identifiable information concerning your use of this Website, such as information regarding which of our pages are most popular, your IP address, browser, city, time zone, referring URL, and operating system. Information gathered may be used in aggregate form for internal business purposes, such as generating statistics, developing marketing plans, customizing content, and improving the Website. We may share or transfer any non-personally identifiable information with or to our affiliates, licensees, and partners. All our Websites are intended for adults. We do not knowingly collect personal information from children under the age of 13. However, if the parent or guardian of a child under 13 believes that the child has provided us with personally identifiable information, the parent or guardian of that child should contact us at support@HealthTherapies4u.com if they want this information deleted from our files, so that it is not in retrievable form. If we otherwise obtain knowledge that we have personally identifiable information about a child under 13 in retrievable form in our files, we will delete that information from our existing files so that it is not retrievable.

 PROTECTION OF PERSONAL INFORMATION

Health Therapies, LLC. may use the information that you provide to fulfill your request for a product, information, or other service, or respond to an email or other request, as well as to create and deliver to your communications containing product information, usage tips or promotions, help improve our website or services, or customize visitors’ experience at our website. Health Therapies may also use your personally identifiable information to send you information about business opportunities, products, services, and special offers. However, we want to communicate with you via email correspondence only if you want to hear from us. If for any reason, you no longer wish to receive email messages from Health Therapies, please unsubscribe in your back office, or via the unsubscribe link provided at the bottom of the email announcement. Please note, if you opt not to receive marketing emails from Health Therapies, you may still receive “Transactional” email messages regarding your order (i.e., order confirmation, shipping information, customer service notifications, etc.) If you have questions or concerns regarding this statement, contact us at support@healththerapies4u.com We may contract with companies or individuals to provide certain services including email and hosting services, credit card processing, shipping, data management, surveys and marketing, promotional services, etc.

We call them our Service Providers. We may share personally identifiable information with Service Providers solely as appropriate for them to perform their functions, but they may not use such information for any other purpose. We do not share your credit card or other account information with unaffiliated third parties unless necessary to fulfill our responsibilities including, but not limited to, delivering a product or service that you order.

Finally, Health Therapies, LLC. may disclose personal information in special cases: (1) when we have reason to believe that disclosing this information is necessary to identify, contact, or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) the rights of Health Therapies or to anyone that could be harmed by such activities; (2) when we believe in good faith that the law requires it; (3) to any third party who may acquire Health Therapies; and (4) in situations involving threats to the physical safety of any person.

 ENSURING YOUR SECURITY

We use Secure Sockets Layer (SSL), an advanced security protocol that protects your credit card information and ensures secure online ordering. SSL Internet connections are encrypted, and thus protect all credit card ordering information, including your name, address, and credit card number, so it cannot be read in transit. We use secure technology, privacy protection controls, and restrictions on employee access, to safeguard your personal information. Please note, however, that although we employ industry-standard security measures to safeguard the security of your personal information, no transmissions made on or through the Internet are guaranteed to be secure.

EXTERNAL WEBSITES

Our website may offer links to and from other third-party sites. Other sites have their own policies regarding privacy. If you visit one of these sites, you may want to review the privacy policy on that site.

 INTERNATIONAL USERS

Like almost every website, our websites may be accessed by an international audience. By visiting our websites and providing us with data, you acknowledge and agree that your personal information may be processed for the purposes identified in this policy. In addition, such data may be stored on servers located outside your resident jurisdiction and in jurisdictions which may have less stringent privacy practices than your own. By providing us with your data, you consent to the transfer of such data.

 YOUR CALIFORNIA PRIVACY RIGHTS

California Civil Code Section 1798.83 permits customers of Health Therapies who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding twelve calendar months. If you are a California resident and would like to make such a request, please submit your request in writing to support@healththerapies4u.com.

 CHANGES TO POLICY

We may revise this Privacy Policy from time to time. If we decide to change our Privacy Policy, we will post the revised policy here. As we may make changes at any time without notifying you, we suggest that you periodically consult this Privacy Policy. Your continued use of the Website after the changes are posted constitutes your agreement to the changes, both regarding information we have previously collected from you and regarding information we collect from you in the future. If you do not agree to the changes, please discontinue your use of our website.

 TERMS AND CONDITIONS

 ACCEPTANCE OF TERMS

The use of this Website or any other site owned or maintained by Health Therapies, LLC. (“Company”) is governed by the policies, terms and conditions set forth below. Please read them carefully. Your use of this site signifies your acceptance of the terms and conditions set forth below. Your order placed on this site signifies your acceptance of the terms and conditions set forth below.

 PAYMENT METHODS

We accept credit and debit cards:

• Visa
• MasterCard
• Discover

When placing an order online, you will need:

The address the card’s statement is sent to (billing address).

The card number and expiration date.

The 3 or 4-digit code found only on the card (CVV2 code).

Credit card orders can be placed online over our 128-bit Secure Socket layer encrypted connection.

 HEALTHTHERAPIES4US.COM IS THE OFFICIAL ONLINE STORE FOR HEALTH  THERAPIES AND ITS AFFILIATES

Under this agreement, the payment processing services for goods and/or services purchased on this website are provided by Global Payroll Gateway (GPG) on behalf of Health Therapies Global, depending on the type of payment method used for the purchase of the goods and/or services. In the event, you choose to pay with credit card and the payment will be processed by a U.S.A. or European Acquirer, these terms are an agreement between you and GPG.

For any other type of purchases, these terms are an agreement between you and Health Therapies, LLC. and goods and/or services will be delivered by Health Therapies, LLC. directly.

Health Therapies, LLC. is a Wyoming Corporation at 21 West Main Street, Freehold New Jersey 07728 E-Mail: support@healththerapies4u.com.

 SHIPPING POLICIES

Company ships orders via UPS and local courier depending on the location of the shipment and order placement. Depending on product availability, orders are usually processed for shipment within 3 to 5 business days. Accurate shipping address and phone number are required. Your signature may be required for delivery.

 DELIVERY CONFIRMATION

Because many instances may occur at your delivery address that is beyond our control, you agree that any delivery confirmation provided by the carrier is deemed sufficient proof of delivery to the card holder, even without a signature.

RETURN AND CANCELLATION POLICY

Health Therapies offers a 90 (ninety) day 100% (one hundred percent) unconditional money back guarantee on products to all retail customers, less shipping charges for online sales. Refund policies for Members vary by region. Please see Health Therapies Policies and Procedures for Member refund policies in your region. To return a product for a refund you will need to obtain a Return Merchandise Authorization (RMA) number by contacting the customer support department at support@healththerapies4u.com Refunds will be issued to the same credit card that was charged when ordering the product. Shipping charges and return shipping charges are not refundable in any case. Company is not responsible for lost or stolen items. We recommend all returned items to be sent using some type of delivery confirmation system to ensure proper delivery.

 CHARGEBACK POLICY

All references to a “chargeback” refer to a reversal of a credit/debit card charge placed on Health Therapies. com. There is no reason for a chargeback to ever be filed. If a credit is due, simply contact us, and we will gladly issue it. If you feel that your credit/debit card was used fraudulently on HealthTherapies.com, please contact us at support@healththerapies4u.com for immediate resolution.

THIRD PARTY INTERACTIONS

During use of the Website, you may enter correspondence with, purchase goods and/or services from, or participate in promotions of advertisers or sponsors showing their goods and/or services through the Website. Any such activity, and any terms, conditions, warranties, or representations associated with such activity, is solely between you and the applicable third-party. Company shall have no liability, obligation, or responsibility for any such correspondence, purchase or promotion between you and any such third party. Company does not endorse any sites on the Internet that are linked through its website. Company provides these links to you only as a matter of convenience, and in no event, shall Company be responsible for any content, products, or other materials on or available from such sites. Company provides products to you pursuant to the terms and conditions of this Agreement. You recognize, however, that certain third-party providers of ancillary software, hardware or services may require your agreement to additional or different license or other terms prior to your use of or access to such software, hardware or services.

 ORDERING DISCLAIMER

Your electronic order confirmation, or any form of confirmation, does not signify our acceptance of your order. Company reserves the right to accept or deny shipment to anyone for any reason. Company reserves the right to require additional information before processing any order. If an order appears fraudulent in any way, Company reserves the right to cancel the order, notify the card holder and the proper authorities.

 NOTICE

Company may give notice by means of a general notice on the HealthTherapies.com Website, electronic mail to your e-mail address on record in Company’s account information, or by written communication sent by first class mail or prepaid post to your address on record in Company’s account information. Such notice shall be deemed to have been given upon the expiration of 48 hours after mailing or posting (if sent by first class mail or pre-paid post) or 24 hours after sending (if sent by e-mail). You may give notice to Company (such notice shall be deemed given when received by Company) at any time by any of the following: letter delivered by a nationally recognized overnight delivery service or first-class postage prepaid mail to Company at the following address: 21 West Main St., Freehold, New Jersey, USA, 07728 in either case, addressed to the attention of: Health Therapies General Counsel.

 MODIFICATION TO TERMS

Company reserves the right to modify the terms and conditions of this Agreement or its policies relating to its products and services at any time, effective upon posting of an updated version of this Agreement on the HealthTherapies.com Website. You are responsible for regularly reviewing this Agreement.

Continued use of the Service after any such changes shall constitute your consent to such changes.

 GENERAL

With respect to U.S. Customers, this Agreement shall be governed by Wyoming law and controlling United States federal law, without regard to the choice or conflicts of law provisions of any jurisdiction, and any disputes, actions, claims or causes of action arising out of or in connection with this Agreement or the Service shall be subject to the exclusive jurisdiction of the state and federal courts located in Wyoming. If any provision of this Agreement is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the invalid or unenforceable provision(s), with all other provisions remaining in full force and effect. No joint venture, partnership, employment, or agency relationship exists between you and Company because of this agreement or use of this Website.

The failure of Company to enforce any right or provision in this Agreement shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Company in writing.

This Agreement, together with any applicable Form and policies, comprises the entire agreement between you and Company, and supersedes all prior or contemporaneous negotiations, discussions, or agreements, whether written or oral, between the parties regarding the subject matter contained herein.

 DEFINITIONS

As used in this Agreement and in any Order Forms now or hereafter associated herewith: “Agreement” means these online terms of use, any Order Forms, whether written or submitted online via the HealthTherapies.com Website, and any materials available on the Company Website specifically incorporated by reference herein, as such materials, including the terms of this Agreement, may

be updated by Company from time to time in its sole discretion; “Effective Date” means the earlier of either the date this Agreement is accepted by selecting the “I Accept” option presented on the screen after this Agreement is displayed, the Effective date on the subscription form or the date you begin purchasing products from this site; “Order Form(s)” means the form evidencing your purchase from this site and any subsequent order forms submitted online or in written form, all such Order Form to be incorporated into and to become a part of this Agreement (in the event of any conflict between the terms of this Agreement and the terms of any such Order Form, the terms of this Agreement shall prevail); “Company” means collectively Health Therapies, LLC., a corporation organized and existing under the laws of the State of California doing business as “HealthTherapies.com” and having an office at 21 West Main Street, Freehold, New Jersey 07728 together with its officers, directors, shareholders, employees, agents and affiliated companies.

 QUESTIONS OR ADDITIONAL INFORMATION

If you have questions regarding this Agreement or wish to obtain additional information, please send an e-mail to support@healththerapies4u.com.