RENATUS MARKETING GUIDE IMA Guide

Contents Preface .......................................................................................................................................................... 4

Welcome ............................................................................................................................................... 4

Our Statement to You and Our Customers ........................................................................................... 5

The Company ........................................................................................................................................ 5

Company Philosophy and Operating Principles .................................................................................... 5

Independent Training Affiliates and/or Independent Marketing Affiliates .................................................. 6

Affiliation with the Company ................................................................................................................ 6

Independent Training/Independent Marketing Affiliates Financial Responsibility .............................. 6

Independent Training/Independent Marketing Affiliates Contact Obligations .................................... 6

Independent Training/Independent Marketing Affiliates Schedule and Management. ...................... 7

A-Team Responsibilities ........................................................................................................................ 7

Presentation Disclaimers ...................................................................................................................... 7

Sales Disclaimers ................................................................................................................................... 7

CONFIDENTIALITY OF PRIVATE INFORMATION ..................................................................................... 9

Refund Regulations Pertaining to the IMA. ........................................................................................ 10

Regulations Concerning Events. .......................................................................................................... 11

Improper Use of Signage ..................................................................................................................... 12

Delivery of Goods or Services: ............................................................................................................ 12

Seven Day Right of Rescission ............................................................................................................. 12

Complaint Resolution and Investigations ........................................................................................... 13

Independent Training/Independent Marketing Affiliate Principles: Company Conduct Expectations ...... 15

Misconduct ......................................................................................................................................... 16

Conflict of Interest .............................................................................................................................. 16

Independent Training/Independent Marketing Affiliate Status Changes .......................................... 18

Independent Training/Independent Marketing Affiliate Agreements and Entity Issues ........................... 21

Independent Training/Independent Marketing Affiliate Business Location and Name ..................... 21

Multiple Affiliate Entity Policy. ........................................................................................................... 21

Learning Partner Specification. ........................................................................................................... 21

Spouse IMA Regulations. .................................................................................................................... 22

Business Partner IMA Regulations. ..................................................................................................... 22

IMA Status Transfer. ........................................................................................................................... 22

Product Distribution Outside the Country .......................................................................................... 23

IMA Process to Resign. ........................................................................................................................ 23

IMA Re-Application Regulations. ........................................................................................................ 23

IMA Suspension and Termination. ...................................................................................................... 24

Notices. ............................................................................................................................................... 24

Business Partner IMA Regulations. ..................................................................................................... 24

General Product Disclaimer and Disclosure ................................................................................................ 25

No Personal Advice ............................................................................................................................. 25

Retail Sales .......................................................................................................................................... 26

Basic Sales Policies .............................................................................................................................. 26

Documentation and Records .............................................................................................................. 27

Renatus IMA Events .................................................................................................................................... 28

Advertising .......................................................................................................................................... 28

Local Market Advertising .................................................................................................................... 30

Approved Use of Logos and Intellectual Property .............................................................................. 30

Name Use ............................................................................................................................................ 30

Internet ............................................................................................................................................... 30

Literature ............................................................................................................................................ 31

Customer Solicitation .......................................................................................................................... 31

Anti-Spam/Bulk E-mail Policies ........................................................................................................... 32

Special and General Policies: Prohibited Practices, Activities and Representations .................................. 34

Use of Company Property. .................................................................................................................. 34

Cross Selling and Solicitation Prohibitions. ......................................................................................... 34

Co-Marketing. ..................................................................................................................................... 34

Agreements Foreign to the Company. ................................................................................................ 35

Proprietary Information. ..................................................................................................................... 35

Misrepresentation of the Company. ................................................................................................... 35

Affiliation with Trade Organizations. .................................................................................................. 35

Government Recognition. ................................................................................................................... 35

Financial Disclaimers ........................................................................................................................... 35

Display of Company Product Pricing. .................................................................................................. 35

Redistribution of Company Products. ................................................................................................. 36

Use of Name, Voice and Likeness ............................................................................................................... 38

Compensation and Commissions ................................................................................................................ 39

Guest Protections................................................................................................................................ 39

Calculations ......................................................................................................................................... 39

Commissions on Retail Sales ............................................................................................................... 40

Company Endorsed Financing ............................................................................................................. 40

Amending the Rules ............................................................................................................................ 41

Glossary and Terminology .......................................................................................................................... 42

Preface

Renatus (the Company) is proud to present you with this Independent Training Affiliate and/or Independent Marketing Affiliate Guide (the “Guide”). This Guide gives you a solid mix of practical information and specific Company policies, to help you understand how you can be effective in your role as an Independent Training Affiliate and/or Independent Marketing Affiliate, and allow you to conduct your activities with confidence. This Guide will also help you in your interactions with the customers you have and the relationships you build with them.

This Guide is designed to build on the information presented from one section to the next. Often information from one section has an impact on a subsequent section. We have found that information presented in a logical order strengthens understanding of the information, the impact on you, and the decisions you make.

At the end of this document, there is a glossary of terms to help you better understand the information presented in this guide.

This guide is incorporated by reference in the Independent Training Affiliate and/or Independent Marketing Affiliate Agreement.

Welcome This guide is intended to establish and clarify the specific rules for marketing Company products and explain how you are authorized and expected to sell those products to successfully meet the obligations of your contract. If you’re new, it’s a great way to pick up a lot of information about the Company, how it operates, and your place in it. If you’ve been around for a while, it’s a handy reference to Company policies and procedures.

The Company is responsible for the Guide content, and considers this Guide a proprietary document. It should not be shared with anyone without the express written consent of the Company. The Company has sole authority to make revisions to this document based on changes in federal, state, and local laws, Company general policy or operating procedural changes, and/or your recommendations.

When changes are deemed necessary, the Company will inform you through email and/or publication on the Company website. When conflicts arise between older and newer versions of policies, procedures, or guidelines, the latest versions will control. You are contractually obligated and responsible to read, understand, and adhere to this guide and all Company communications promptly after receipt.

You will receive a great deal of benefit in reading and understanding the Guide if you plan to become and/or, remain, successful in marketing the Company’s products. This Guide outlines specific requirements for Independent Training Affiliates and/or Independent Marketing Affiliates, Company product information, explanation of compensation plan, and a variety of other topics.

Our Statement to You and Our Customers The Company is a leader in providing comprehensive real estate investment education and providing additional tools and training to experienced investors to help them to reach their investing and financial goals. In addition to the educational opportunities available, the Company also offers students the opportunity to become Independent Training Affiliates and/or Independent Marketing Affiliates authorized to sell Company products.

The Company Renatus is a direct marketing company offering premier real estate education, participation in the real estate education, and an application for this knowledge to gain the confidence to invest in real estate. The Company allows Independent Training Affiliates and/or Independent Marketing Affiliates to sell Company products.

Renatus Education® has developed its own comprehensive, proprietary curriculum based on the same scientific principles of ISD (Instructional System Design) used by universities across the country. Instructors consist of hand-selected, experienced investors who offer students the most unique, on-point experiential real estate education available.

The Company is successful because its products and services target the consumer demand for:

• Confidence and trust in a management team that creates a community of like-minded individuals focused on a common goal, and operates in an ethical environment of mutual respect and trust.

• Profitable and stable investment strategies in real estate. • Additional sources of revenue. • The Company provides Independent Training Affiliates and/or Independent Marketing Affiliates

with the opportunity to market the Company’s products to others as a potential means of acquiring personal wealth.

In short, the Company markets excellent real estate educational products through a network of Independent Training Affiliates and/or Independent Marketing Affiliates who distribute the products and services to customers.

Company Philosophy and Operating Principles The Company’s general philosophy is that self-regulatory measures are preferable to the Company mandates. The Company encourages widespread use of sound business practices for its Independent Training Affiliates and/or Independent Marketing Affiliates. The Company conducts business in an ethical and credible manner and requires independent contractors to do the same when dealing with customers, each other, or the Company.

Independent Training Affiliates and/or Independent Marketing Affiliates

Affiliation with the Company Independent Training/Independent Marketing Affiliates Financial Responsibility Independent Training/Independent Marketing Affiliates Contact Obligations Independent Training/Independent Marketing Affiliates Schedule and Management. A-Team Responsibilities Presentation Disclaimers Sales Disclaimers CONFIDENTIALITY OF PRIVATE INFORMATION Refund Regulations Pertaining to the ITA/IMA Regulations Concerning Events Improper Use of Signage Delivery of Goods or Services Seven Day Right of Rescission Complain Resolution and Investigations

Affiliation with the Company Independent Training Affiliates and/or Independent Marketing Affiliates are not employees of the Company, nor directors, officers or owners; rather, they are independent contractors and, as such, shall not imply that they are employed by the Company, or that they represent the Company in any capacity other than that of an independent contractor, in any medium.

Independent Training Affiliates and/or Independent Marketing Affiliates Financial Responsibility Independent Training Affiliates and/or Independent Marketing Affiliates are responsible for all of their own taxes, including, but not limited to, income, social security, unemployment, and sales taxes. Independent Training Affiliates and/or Independent Marketing Affiliates shall also obtain, pay for, and maintain their own licenses, fees, insurance, and any other business expenses.

Independent Training Affiliates and/or Independent Marketing Affiliates Contact Obligations Independent Training Affiliates and/or Independent Marketing Affiliates, upon acceptance by the Company, shall agree to and shall at all times, provide the Company with a current e-mail address and mailing address. Independent Training Affiliates and/or Independent Marketing Affiliates who fail to provide the Company with a current e-mail address or remove themselves from the Company e-mail list(s) shall be terminated, lose all qualifications, and be subject to a six month waiting period before being allowed to rejoin Renatus as an Independent Training Affiliate and/or Independent Marketing Affiliate. Additionally, all Independent Training Affiliates and/or Independent Marketing Affiliates shall enter the Company’s e-mail address in their e-mail system address book. All students, Independent Training Affiliates and/or Independent Marketing Affiliates must have separate e-mail addresses. The Company does not allow shared e-mail accounts.

Independent Training Affiliates and/or Independent Marketing Affiliates Schedule and Management. Independent Training Affiliates and/or Independent Marketing Affiliates are expected to set and determine their own hours, level of effort, selling style, marketing plans, management methods, and planning.

A-Team Responsibilities All Independent Training Affiliates and/or Independent Marketing Affiliates are responsible for supervising, training, and supporting Independent Training Affiliates and/or Independent Marketing Affiliates in their sales organization. Independent Training Affiliates and/or Independent Marketing Affiliates shall maintain regular communication in support of their sales organization through written and verbal communications.

Presentation Disclaimers Only designated trainers are allowed to give sales and marketing presentations. When giving presentations or providing information about the Company sales program, Independent Training Affiliates and/or Independent Marketing Affiliates will make it clear that:

• Product purchases are not required of any potential Independent Training Affiliate and/or Independent Marketing Affiliate to participate in the Program

• No earnings of any amount are represented or guaranteed by the Company or its programs • No Independent Training Affiliate and/or Independent Marketing Affiliate is compensated for

enrolling others into the program • Retail selling is a requirement.

Sales Disclaimers Independent Training Affiliates and/or Independent Marketing Affiliates shall not engage in deceptive selling practices of any kind or nature, high pressure sales tactics or any activity that can be construed or alleged as misleading to a customer or potential customer. Any Independent Training Affiliate and/or Independent Marketing Affiliate who receives any complaints alleging practices of this nature may be suspended or immediately terminated and all unpaid commissions and withheld reserves (if any) will be forfeited to the Company.

Independent Training Affiliates and/or Independent Marketing Affiliates shall at all times, represent products to customers honestly, fully disclosing product characteristics and how to use them. Independent Training Affiliates and/or Independent Marketing Affiliates shall not make claims concerning Company products and programs that are not made in official Company publications. Exaggerated or misleading claims about Company products and programs are also grounds for immediate termination. From time to time the Company may employ “mystery shoppers” to attend presentations and report back to the Company on the quality and accuracy of a sales presentation for the purpose of monitoring field sales practices and to assure compliance objectives are being maintained.

Independent Training Affiliates and/or Independent Marketing Affiliates will provide to each customer who makes a purchase, two (2) copies of an official Company Customer Receipt form, which contains all pertinent information (Independent Training Affiliate and/or Independent Marketing Affiliate name,

customer name, address, phone number, products purchased, quantity, purchase price, etc.) regarding each purchase. One copy identical to the receipts given to the customer shall be retained by the selling Independent Training Affiliate and/or Independent Marketing Affiliate and provided to the Company upon request. When providing the sales receipt copies to the purchaser, the selling Independent Training Affiliate and/or Independent Marketing Affiliate shall explain that a right of rescission to the purchaser.

This Purchase Agreement also includes the following statements that the customer confirms by signing the Purchase Agreement:

• No income or earnings claims or representations were made during the sales process, • No income or earnings guarantees were made relating to marketing the products or using them, • No investment payback period was discussed, promised or implied, • The product(s) purchased were chosen freely and without unreasonable pressure • No other agreements or understandings were signed or made orally to the purchaser outside of

the purchase documents provided by the Company to document the purchase of products by a Student.

No Independent Training Affiliate and/or Independent Marketing Affiliate may accept cash payments. Independent Training Affiliates and/or Independent Marketing Affiliates may accept a cashier’s check or money order for Company products only when the cashier’s check or money order is made out to Renatus. Cashier’s checks or money orders MUST be sent immediately (within 24 hours) to the Company by express mail. NEVER is an Independent Training Affiliate and/or Independent Marketing Affiliate to accept cash or funds made payable to anyone other than the Company.

Independent Training Affiliates and/or Independent Marketing Affiliates are responsible for returning any payment they have received immediately to customers who cancel their orders under the Purchaser’s Right to Cancel option prior to submittal of the order to the Company. If the purchaser exercises their right to cancel within their seven-day period, but after submission of funds to the Company, the Company will refund the purchase price and no commission will be paid.

Within 24 hours of a customer product purchase, Independent Training Affiliates and/or Independent Marketing Affiliates shall enter the order, remit any and all money collected; together with all applicable, completed purchase documents to the Company for the product that has been sold. Failure to do so may result, at the Company’s sole option, in disciplinary actions, including but not limited to termination of the Independent Training Affiliate’s and/or Independent Marketing Affiliate’s contract/agreement, and/or collections proceedings to recover the cost of the product together with all damages and collection costs including reasonable attorney fees.

Independent Training Affiliates and/or Independent Marketing Affiliates shall not accept down payments from non-financed purchasers. All non-financed sales must be paid in full at the time of purchase. Purchase price of product may not be less than Company wholesale price. Independent Training Affiliates and/or Independent Marketing Affiliates shall NEVER accept cash or funds made payable to anyone other than Renatus. Violation of this Company policy is grounds for immediate termination from the program and shall subject the Independent Training Affiliate and/or Independent Marketing Affiliate to collection efforts and or litigation for any and all damages.

If an Independent Training Affiliate and/or Independent Marketing Affiliate elects to add a Business Partner (including spouse), all partners shall be jointly and severally liable for the actions of the other partner(s). The Company reserves the right to approve or deny partner designations. If a partnership is dissolved in any way, the original Independent Training Affiliate and/or Independent Marketing Affiliate and/or the partner leaving the partnership must notify the Company in writing.

In the event that an ITA or IMA violates any of these rules and/or procedures and or any other policy of the Company, the Company, in its full discretion, may suspend or terminate the Independent Training Affiliate (ITA) and/or Independent Marketing Affiliate (IMA), order the ITA and /or the IMA to pay restitution for any damages the ITA and/or IMA has caused and or assess a fine against the ITA and/or the IMA (in any amount not to exceed $1,000.00). Failure to pay restitution assessed and or pay any fine assessed within 30 days is immediate grounds for suspension or termination.

• If the Company has determined, in its sole discretion, that a fine or restitution is due, the Company will attach the IMA’s commission account to recover the amounts assessed. In the event there are insufficient funds in the account to pay the assessment, the Company will invoice the IMA and continue to assess the commission account until the assessment has been paid in full. If the assessment is not paid in full within 30 days of the fine, the Company may suspend or terminate the IMA unless immediate payment is made by the IMA. In the event the IMA is terminated from the program, any pending commissions will be forfeited.

• If full payment has not been received after termination of the IMA has occurred, the unpaid balance will be deducted from the qualified Independent Marketing Affiliate (A-Team) of record for the Independent Training Affiliated and/or Independent Marketing Affiliate. (This bullet does not apply to Calendar Events where an event host cancels a published event and/or has double charged a guest and in either case needs to refund any monies collected)

• If full payment has not been received from the A-Team of record for the Independent Training Affiliate and/or Independent Marketing Affiliate, the remaining payment due will be deducted from the pending commission account of the Independent Regional Associate (IRA) of the Independent Training Affiliate and/or Independent Marketing Affiliate who incurred the original fee. If there are not enough pending commissions to cover the amount due, an invoice will be sent via email. If full payment is not received within 30 days of invoice, the IRA may be terminated from the program.

• If full payment has not been received from the IRA of the Independent Training Affiliate and/or Independent Marketing Affiliate who incurred the original fee, the remaining payment due will be deducted from the pending commission account of the Independent National Associate (INA). If there are not enough pending commissions to cover the amount due, an invoice will be sent via email. If full payment is not received within 30 days of invoice, the INA may be terminated from the program.

The Company retains sole authority to determine from whom to collect repayment from in the spirit of the terms of the agreement. The Company’s determination is definitive and final.

CONFIDENTIALITY OF PRIVATE INFORMATION Independent Training Affiliates and/or Independent Marketing Affiliates must take great care in protecting computerized and non-computerized (paper) storage of/and or appropriate use of customer purchase information Customer purchase information means sensitive, personal information that may

or may not be publicly available. In addition, an individual’s first name or first initial and last name in combination with any one or more of the following data elements is considered sensitive data when either the name or the data elements are not encrypted: (i) Social Security number; (ii) driver’s license number or identification card number or (iii) account number, credit or debit card number, in combination with any required security code, access code, or password that would permit access to an individual’s account. Any customer’s sensitive data and information includes both paper and/or electronic records.

Paper documents containing protected information should be kept in file cabinets, rooms or vaults that are locked and protected from fire. Paper documents that contain protected information are to be shredded at the time of disposal. All necessary precautions should be taken to maintain such information securely and limit access to such information only to those with a legitimate purpose and need. In addition, you should understand that you must take extreme care to ensure this security, and that you may personally bear the responsibility and liability for any breaches related to your storage of this information.

All Independent Training Affiliates and/or Independent Marketing Affiliates are bound by the Company’s Privacy Policy. In addition to the statements above, Independent Training Affiliates and/or Independent Marketing Affiliates are prohibited from any misuse of private information about customers or potential customers including, but not limited to: renting and or selling information to others, bartering information with others, using this information for gains related to the sale or purchase of other goods and services by the Independent Training Affiliate and/or Independent Marketing Affiliate, its affiliates, partners or Advisors.

All independent contractors (ITAs and IMAs) agree to indemnify, defend and hold the Company harmless from any and all claims and actions against the Company relating to the independent contractor’s violation of any state or federal privacy acts relating to the collection, use or disclosure of any customer or potential customer’s personal information.

Refund Regulations Pertaining to the IMA. Should the Company determine, in its sole discretion, that a refund must be issued to any customer for any reason, the Company shall notify, in writing, the Independent Marketing Affiliate who received the commission on the sale, that the refund is due. The Company may pay the refund to the customer, and the commission amount that was paid on the sale will be deducted from the pending commissions of the individual or individuals who were paid any commission for that sale. If the Independent Training Affiliates and/or Independent Marketing Affiliates who were paid any commissions on the sale do not have enough funds in their pending commission account, an invoice will be sent to the Independent Training Affiliates and/or Independent Marketing Affiliates via email stating the amounts due. No other commissions will be paid to the Independent Training Affiliates and/or Independent Marketing Affiliates until the full amount has been repaid. Any invoices issued for the repayment of commissions are due on receipt.

If repayment is not received in full within 30 days, the Independent Training Affiliate and/or Independent Marketing Affiliate will be terminated from the program. In the event that an Independent Training Affiliate and/or Independent Marketing Affiliate is terminated for non-payment, any unpaid current or pending commissions will be forfeited.

If full payment has not been received, the remaining payment due will be deducted from the pending commission account of the Independent Marketing Affiliate of record, hereby named “T-Team” of the Independent Training Affiliate and/or Independent Marketing Affiliate terminated for non-payment. In the event of multiple A-Team members, the A-Team will be determined by product sales. If there are not enough pending commissions to cover the amount due, an invoice will be sent via email. If full payment is not received within 30 days of invoice, the Independent Marketing Affiliate (A-Team) may be terminated from the program. The Company retains sole authority to determine from whom to collect repayment from in the spirit of the terms of the agreement. The Company’s determination is definitive and final.

Regulations Concerning Events. As an Independent Training Affiliates and/or Independent Marketing Affiliate, you may upon permission, post and manage events on the Renatus corporate calendar. Events held should be for marketing and training Renatus opportunities and products only. Guests may register for your events using the system designed and made available by the Company. Permission for each event must be provided by the Company. The Company reserves the right to remove any events and/or the ability to post events by any ITA/IMA, at any time and for any reason.

Payments collected from guests who register for events will be paid to the calendar event host within 2 weeks of the events end date, minus six (6) percent for processing fees, which will be deducted from the registration total by the Company. Payments will be processed in accordance with standard Renatus commission protocol.

Should the Company determine, in its sole discretion, that a refund must be issued to any customer or event guest for any reason, the Company shall notify, in writing, the Independent Training Affiliate and/or Independent Marketing Affiliate who hosted the event.

The Company may pay the refund to the customer or guest, and the refunded amount that was paid to the customer or guest will be deducted from the pending commissions of the individual or individuals who were paid any commission for that sale. If the Independent Training Affiliates and/or Independent Marketing Affiliates who were paid for the event registration do not have enough funds in their pending commission account, an invoice will be sent to the Independent Training Affiliates and/or Independent Marketing Affiliates via email stating the amounts due. No other commissions will be paid to the Independent Training Affiliates and/or Independent Marketing Affiliates until the full amount has been repaid. Any invoices issued for the repayment of commissions are due on receipt.

If repayment is not received in full within 30 days, the Independent Training Affiliate and/or Independent Marketing Affiliate will be terminated from the program. In the event that an Independent Training Affiliate and/or Independent Marketing Affiliate is terminated for non-payment, any unpaid current or pending commissions will be forfeited.

The Company retains sole authority to determine from whom to collect repayment in the spirit of the terms of the agreement.

Improper use of signage Virtually all cities and municipalities have ordinances regarding signs placed within the city limits, whether they are in the ground, on trees or on buildings. Additionally, state departments have the same provisions affecting signage in the public right-of-way along freeways, highways and ramps.

All ITAs and IMAs are expected to know, understand and comply with these rules whenever placing any signage. If licenses or permits are required, ITAs and IMAs using signage are expected to: know they are needed, obtain them when required, and adhere to the specific rules associated with permits and licenses before placing any signage anywhere.

ITAs and IMAs placing signage without appropriate licenses or permits where required and or not in full compliance with rules governing signs they place will be fined by the Company in addition to paying the fine levied by the city, state department or municipality for placing the sign illegally.

In addition to the specific fine for illegal signage placement issued by the municipal authority, the following fines will be levied by the Company:

• First offense - a fine of $1,000 • Second offense - a fine of $2,000 • Third offense - a fine of $3,000

These fines will be assessed against the for the area where the fine originates for improper sign placement and are payable immediately. It is the responsibility of the to determine who within their sales organization may have actually committed the offense and collect reimbursement from them. This offense is grounds for termination from the program. The Company, in its full discretion, may suspend or terminate the ITA and/or the IMA and order the ITA and /or the IMA to pay restitution for any damages the ITA and / or the IMA has caused (without restriction as to amount assessed). Failure to pay restitution assessed and or pay any fine assessed within 30 days is grounds for suspension or termination.

Delivery of Goods or Services: All orders for products will be processed by the Independent Training Affiliate and/or Independent Marketing Affiliates within 24 hours of the sale. Shipments (if any) will be by common commercial carriers and delivery should be expected within 14 days of a completed order.

Seven Day Right of Rescission The Company offers a seven (7) calendar day right to cancel contracts to all customers. If the purchaser wishes to cancel any Purchase Agreement under the seven day right of rescission and the order has not been submitted to the Company, the Independent Training Affiliate and/or Independent Marketing Affiliate shall refund the purchase amount in full to the purchaser. In the event that the purchaser wishes to cancel the Agreement under the seven (7) day right of rescission and the order has been received by the Company, the Company will refund the monies collected to the purchaser. The right of rescission period cannot be waived. No refunds will be considered beyond these terms unless the Company determines in its sole discretion that a refund is due for cause or to protect the

Company. Refunds approved in these circumstances will be managed by the Company’s Compliance Office. Also in these

circumstances, the Independent Marketing Affiliate who received the commission on the product shall be required and obligated to repay the commission received on demand in accordance with the Company’s collections procedures as outlined in this Guide.

The Right to Rescind must be verbally explained to the customer at the time of the sale by the IMA AND the customer must receive two (2) copies of that notice that they have signed acknowledging that they understand the cancellation policy. The seven (7) day right to cancel begins when the signed contract has been received and verified by the Company.

Complaint Resolution and Investigations The Company will take such action and use such methods as it deems appropriate in handling compliance violations and contract violations, including but not limited to: consulting with the Independent Training Affiliate’s and/or Independent Marketing Affiliate’s leaders, issuing warnings, probation, suspension, or termination from the program for cause. Termination for cause shall be deemed an involuntary termination.

Independent Training Affiliates and/or Independent Marketing Affiliates who violate any applicable rule, law, ordinance or policy may be required by the Company to take measures to correct such violations, including the cancellation of advertising, restitution, refunding the customer, the destruction of unauthorized literature, the removal of offending signs, disconnecting phone numbers (without a forwarding order) tied to noncompliant advertising, and other remedies deemed appropriate and reasonable by the Company.

Company related services in these cases, such as Internet, website, and or email access may be terminated without notice. The violator’s Independent Training Affiliate and/or Independent Marketing Affiliate status may be suspended or their contract terminated. Violators will be liable for any damages sustained by the Company or other Independent Training Affiliates and/or Independent Marketing Affiliates as the result of violations, including attorney’s fees, arbitration and legal costs, and any other expenses.

By entering into Agreements with the Company that are subject to the IMA Guide, the contracting parties have given their consent to the Company to investigate and or mediate disputes involving Company rules, guidelines or policies and to make findings and render decisions that are binding on the offending party/parties.

This section was included in the Guide to acknowledge the Company’s right to address issues that may involve violations of contract terms between an Independent Training Affiliates and/or Independent Marketing Affiliates and the Company and/or a customer. This includes, but is not limited to, the right to investigate any alleged violations of ordinances, laws and regulations, and sales practices.

When a complaint is filed with the Company or an investigation is requested or determined by the Company to be necessary, the affected party/parties understand(s) and agree(s) that the Company will investigate to determine if there are violations of Company rules, policies or guidelines only. Disputes between customers, ITAs and IMAs will be investigated vigorously, but the Company will not mediate disputes between ITAs or IMAs. Additionally, the Company is not obligated to mediate or investigate any dispute arising out of a contract to which the Company is not a party.

Regardless of the nature or event that triggers an investigation by the Company, the Company may assess a fee in the amount of $500.00 against the party at fault (if any) at the conclusion of the investigation.

All Independent Training Affiliates and/or Independent Marketing Affiliates, active or inactive, past or present, agree that venue and jurisdiction for any or all actions shall be in the United States District Court for the District of Utah or in the Second Judicial District Court of Davis County, Utah, which courts shall have the exclusive jurisdiction to adjudicate the dispute and the claims asserted in the action. The Parties irrevocably submit themselves to, and consent to, the jurisdiction of these courts.

Independent Training Affiliate and/or Independent Marketing Affiliate Principles: Company Conduct Expectations

MISCONDUCT CONFLICT OF INTEREST

• Confidentiality • Competitive Relationship • Outside Work • Financial Interest • Family Members • Competitive Business • Non-Solicitation

INDEPENDENT TRAINING AFFILIATE AND/OR INDEPENDENT MARKETING AFFILIATE STATUS CHANGES

• Active Status • Inactive Status • Probationary Status • Suspension Status • Termination Status

As an Independent Training Affiliate and/or Independent Marketing Affiliate, we expect certain standards of conduct from you and expect you to:

• Be committed to customer satisfaction. • Be aware of and comply at all times with applicable laws, ordinances, and regulations that apply

to your activities as an Independent Training Affiliate and/or Independent Marketing Affiliate. • Be educated and informed in, as well as clearly, honestly, and accurately represent Company

products and services, and all of the terms and conditions associated with each product and or service.

• Communicate in a respectful and courteous manner. • Respond to inquiries and complaints in a constructive and timely fashion. • Adhere to the terms of your Independent Training Affiliate and/or Independent Marketing

Affiliate Agreement with the Company. • Maintain appropriate security policies and practices to safeguard customer privacy and

Company proprietary information. • Fulfill your obligation to train others. • Keep appointments you set with trainees, customers, or potential customers. • Give ample notice to the other party if you have to cancel or change an appointment. • Cooperate with Company management and your fellow Independent Training Affiliates and/or

Independent Marketing Affiliates. • Perform whatever you do while an Independent Training Affiliate and/or Independent

Marketing Affiliate in a strictly professional manner.

• Obey safety and health regulations. • Adhere to the Company’s rules, policies, and guidelines in all you do as an Independent Training

Affiliate and/or Independent Marketing Affiliate. • Protect the Company’s proprietary information. • Refrain from obscene and inflammatory language.

In addition to all requirements to conform sales efforts and general conduct to all federal, state and local laws and regulations, the terms of our agreement(s), and the specific rules and policies in this IMA Guide, each Renatus Independent Marketing Affiliate agrees to conduct himself or herself in a professional fashion and uphold the highest standards of ethics and decorum.

Misconduct The following activities are strictly prohibited and immediate disciplinary action, up to and including termination may result:

• Theft, inappropriate removal or possession of Company property, the property of its customers, or of fellow Independent Training Affiliates and/or Independent Marketing Affiliates. Falsification, alteration, or misuse of Company records or other documents, including purchase records and customer information.

• Possession, distribution, sale, transfer, or use of illegal drugs. • Sexual or other unlawful or unwelcome harassment of another Independent Training Affiliate

and/or Independent Marketing Affiliate, a customer, or anyone else on either the Company’s premises or in the presence of a customer or Independent Training Affiliate and/or Independent Marketing Affiliate.

• Possession of dangerous or unauthorized materials, such as explosives or firearms at any event related to the Company in any way.

• Unauthorized disclosure of the Company’s proprietary information. • Interfering with another Independent Training Affiliate and/or Independent Marketing Affiliate,

willfully restricting work output or encouraging others to do the same. • Threatening, intimidating, or coercing your fellow Independent Training Affiliates and/or

Independent Marketing Affiliates at any time, for any purpose. • Deliberately destroying or damaging Company property, tools, machines, equipment or the

property of fellow Independent Training Affiliates and/or Independent Marketing Affiliates in any manner.

• Willful falsification or misrepresentation of any data requested by the Company. • Engaging in or threatening acts of violence toward anyone. • Any willful action that endangers the life or safety of another person.

Conflict of Interest As a condition of being offered and retaining an Independent Training Affiliate and/or Independent Marketing Affiliate contract with the Company, we require that you do not engage in any activity outside the Company that might result in a conflict between your self-interest and the Company’s interest. Independent Affiliates are expected to observe the highest standards of ethics and good judgment in all of transactions relating to duties as a contracted representative, and to review any situation that may conflict with Company interests, or have the appearance of impropriety. If you are

unsure whether your actions may constitute a conflict of interest, or lead to a conflict of interest, please discuss the issue with your respective Independent Marketing Affiliate A-Team.

While it is not possible to list all possible conflicts of interest that could develop, some of the more common conflicts are as follows:

Confidentiality: The nature of your relationship with the Company necessitates frequent access to information that is considered confidential and/or proprietary. You may not disclose confidential information of any kind to anyone, except as specifically authorized or required in the course of daily business.

Competitive Relationship: You may not collaborate with competitors or their representatives for the purpose of establishing or maintaining prices at any particular level or collaborate with them in any way in the restraint of trade. You may not discuss or disclose prices or the methods used to establish prices, or terms and conditions of sales to any competitor or outside source at any time.

Outside Work: You may not accept employment (either directly or via a contract) with or perform services for our competitors, or with any individual or company that has substantial business dealings with us.

Financial Interest: You may not become financially involved or hold an interest in a company that either competes with us or has significant business dealings with us. (This does not mean that you can’t own stock in these companies, but it does mean you can’t own enough to where such ownership would influence your business decisions relating to your role with us. For example, ownership of less than one percent (1%) of the publicly traded stock of a corporation will not be considered a conflict.)

Family Members: If a member of your family engages in any of the conduct prohibited by any of the provisions of this policy noted above, it may create a conflict of interest for you. As soon as you learn of such conduct, you must inform the Company. (For the purpose of this policy, family members include your spouse or significant other, any close blood relation, or relation by marriage).

Competitive Business: You agree that for the term of this Agreement and for a period of twelve months following the termination or expiration of this Agreement, in Your assigned territory or any geographical area(s) in which you have actively marketed for the Company, in the year preceding termination of this Agreement, You will not: (i) directly or indirectly engage in any Competitive Business; (ii) market or sell any similar product or similar service (other than Company products and services) to any Renatus™ students; or, (iii) sell real estate investment education or real estate clubs or memberships. You also agree that the length of time in this Section will be tolled for any period during which are in breach of the covenants or any other period during which Company seeks to enforce this Agreement. “Actively Marketed” for purposes of this Agreement is defined as any activity in which You have solicited sales of any product or service offered by the Company during the term of this Agreement or any prior agreement with the Company. A “Competitive Business” is defined as anyone who offers educational programs or courses in Entrepreneurial Studies, Training and Education, Real Estate education similar to

those offered by the Company. “Directly or indirectly engaging in any Competitive Business” means (i) engaging in a Competitive Business as owner, partner, or agent; (ii) becoming an officer, director, employee or independent contractor to any third party that is engaged in a Competitive Business; or (iii) soliciting any customer of the Company for the benefit of a third party that is engaged in a Competitive Business. Nothing in this Agreement prohibits You from marketing or selling any product or service that is not offered by a Competitive Business, provided however, that You do so individually and without the assistance of any person under contract with the Company; and that, in connection with any such sale or marketing endeavor, You notify Your customer in writing that the product or service is not associated with the Company in any way and You are not representing the Company in Your sales and/or marketing activity. Applicant also understands and agrees that Renatus strongly discourages the sale of non-Renatus products to other Renatus customers because of the confidential nature of the customer’s name. Ignorance of this position by Renatus and abuse of customer’s names for the purpose of cross marketing can be grounds for immediate termination. The Parties have attempted in this Section to limit Your right to compete only to the extent necessary to protect the Company from unfair competition. Therefore, we agree that if the scope of enforceability of this Section is disputed at any time by You, a court or arbitrator, as the case may be, may modify the geographic scope or duration of this Section to the extent that it deems necessary to make such provision enforceable under applicable law. In addition, the Company reserves the right to reduce the geographic scope or duration of this Section without Your consent, at any time or times, effective immediately upon notice to You.

Non-Solicitation: During the term of this Agreement and for a period of twelve months following the termination or expiration of this Agreement, You will not solicit, employ, seek to employ or contract any person you Actively Marketed; any Company employee; or, any of the Company’s Independent Training Affiliates, Independent Marketing Affiliates, Independent Regional Associates, or Independent National Associates who are within your sales organization within the Company, or with whom You have had an ongoing relationship or with whom You entered into any business transaction during the one year preceding the termination or expiration of this Agreement, to offer, market or sell any products or services similar to the products or services offered by the Company or to join or participate in any club or organization which offers or sells similar products and services. You also agree that the length of time in this Section will be tolled for any period during which You are in breach of the covenants or any other period during which the Company seeks to enforce this Agreement. The Parties have attempted in this Section to limit Your right to solicit only to the extent necessary to protect the Company from unfair competition. Therefore, we agree that if the scope of enforceability of this Section is disputed at any time by You, a court or arbitrator, as the case may be, may modify the geographic scope or duration of this Section to the extent that it deems necessary to make such provision enforceable under applicable law. In addition, the Company reserves the right to reduce the geographic scope or duration of this Section without Your consent, at any time or times, effective immediately upon notice to you.

Independent Training Affiliate and/or Independent Marketing Affiliate Status Changes Certain events can affect the status of an Independent Training Affiliate and/or Independent Marketing Affiliate and their authorization to market Company products. There are five possible statuses for an Independent Training Affiliate and/or Independent Marketing Affiliate:

1. Active 2. Inactive 3. Probation 4. Suspension 5. Termination

Active Status: An Active Independent Training Affiliate and/or Independent Marketing Affiliate has:

1. paid all required fees 2. completed all required Agreements 3. logged into their Renatus Business Center within thirty (30) days

Inactive Status: An Independent Training Affiliate and/or Independent Marketing Affiliate becomes inactive when he or she has:

1. not paid all required fees 2. not completed all required Agreements 3. not logged into their Renatus Business Center within thirty (30) days

Note: All Independent Training Affiliates and/or Independent Marketing Affiliates may be required to take an annual compliance test on or before the annual renewal of their Independent Training Affiliate or Independent Marketing Affiliate contract. If administered, the compliance test will be made available electronically to all Independent Training Affiliates and/or Independent Marketing Affiliates in their electronic Business Center on an annual basis.

Inactive status is a serious situation and calls for immediate attention. Anyone on inactive status forfeits commissions, and is barred from distributing Company products. If inactive for thirty-two days, the Independent Training Affiliate and/or Independent Marketing Affiliate will be placed on probation.

Probationary Status: This is a warning status to inactive Independent Training Affiliates and/or Independent Marketing Affiliates and for Independent Training Affiliates and/or Independent Marketing Affiliates who have violated policies.

Inactivity: If inactivity continues beyond forty-five days, you will receive another notice letter that you have fifteen days to remedy this situation. If you remedy the situation, you will remain on probation for three months. If you fail to remedy this situation you will be placed on termination status.

Policy Violation: If violation of policies continues at all beyond being notified that you are in violation of said policies, you will be moved to termination status.

Suspension Status: An Independent Training Affiliate and/or Independent Marketing Affiliate may be suspended if, at any time, the Company, upon information and belief and in its sole discretion, believes that an Independent Training Affiliate and/or Independent Marketing Affiliate has violated his or her contract, Company rules and guidelines, laws or ordinances, or if it is brought to the attention of the Company that the

Independent Training Affiliate and/or Independent Marketing Affiliate has defaulted on a loan in which the Company is a direct beneficiary.

While in a suspension status, any commissions due to the Independent Marketing Affiliate will be frozen and the Independent Training Affiliate and/or Independent Marketing Affiliate will be prohibited from selling or marketing Company products pending completion of an investigation by the Company’s compliance officer. Independent Training Affiliates and/or Independent Marketing Affiliates agree to be bound by the Company’s decision.

Termination Status: An Independent Training Affiliate and/or Independent Marketing Affiliate will be terminated for any issue directly related to a specific violation of his or her contract, a Company policy, and/or other applicable law, ordinance or regulation. An Independent Training Affiliate and/or Independent Marketing Affiliate may also be terminated for an extended period of inactivity. Terminated Independent Training Affiliates and/or Independent Marketing Affiliates are not entitled to receive pending or future commissions. Upon termination, a letter is issued to the Independent Training Affiliate and/or Independent Marketing Affiliate advising him or her that he or she is no longer authorized to sell Renatus products and services and that he or she has forfeited any pending or future commissions from active customers as well as all training qualifications.

Independent Training Affiliate and/or Independent Marketing Affiliate Agreements and Entity Issues

Independent Training Affiliate and/or Independent Marketing Affiliate Business Location and Name. Multiple Affiliate Entity Policy. Learning Partner Specification. Spouse IMA Regulations. Business Partner IMA Regulations. IMA Status Transfer. Product Distribution Outside the Country. IMA Process to Resign. IMA Re-Application Regulations. IMA Suspension and Termination. Notices. Business Partner IMA Regulations.

Independent Training Affiliate and/or Independent Marketing Affiliate Business Location and Name All Independent Training Affiliates and/or Independent Marketing Affiliates operating through a business or corporate form must be authorized to do business in the state where they are conducting sales and marketing activities and must maintain the business entity in good standing in the appropriate jurisdiction. All individual members or owners of the business entity are responsible for all obligations of that entity. The Company reserves the right to approve or disapprove any Independent Training Affiliate’s and/or Independent Marketing Affiliate’s choice of business name and URL for websites associated with the business or the Company’s products.

Using Renatus, or any other derivative of the Company name in your URL is strictly prohibited.

Multiple Affiliate Entity Policy. No individual shall have any interest in or be a part of more than one Independent Training Affiliate and/or Independent Marketing Affiliate entity at any time without prior written approval by the Company.

Learning Partner Specification. If desired, a Learning Partner can be specified. A Learning Partner is someone who is given the opportunity to share in the online education provided by the Company. In a Learning

Partnership a Primary and a Secondary Student must be designated. The Primary Student will be responsible for the account and its maintenance. The Secondary Student will receive their own business center so that they may view the education purchased. The Secondary Student will be allowed to participate in live recordings with the Primary Student providing that the Primary Student’s educational purchase allows for live recording attendance. The Company is not responsible for any disputes between

the Primary and the Secondary Students. Should such a dispute arise the Primary Student is the holder of the contract and as such has full control over the account. The designated Primary Student is recognized as the education holder and may therefore receive customer service assistance. The Primary student may only specify one Learning partner to become the Secondary Student. This Learning Partnership is permanent and cannot be changed unless the Secondary Student buys their own equivalent education package. or if the Primary Student If a Secondary wishes to become an Independent Training Affiliate and/or Independent Marketing Affiliate they can only do so as a business partner of the Primary Student.

Spouse IMA Regulations. Husbands and wives must be part of the same Independent Training Affiliate and/or Independent

Marketing Affiliate entity, unless two existing Independent Training Affiliates and/or

Independent Marketing Affiliates marry, in which case they may maintain separate Independent Training Affiliate and/or Independent Marketing Affiliate Agreements. In the case of spouses sharing the same Independent Training Affiliate and/or Independent Marketing Affiliate entity, both individuals must be named on the IMA Agreement (as “Primary” plus “Partner”).

Business Partner IMA Regulations. All individuals acting as Business Partners in the capacity of an Independent Training Affiliate and/or Independent Marketing Affiliate must sign the Independent Training Affiliate and/or Independent Marketing Affiliate Agreement in conjunction with the Business Partner

Addendum. If a Primary IMA wishes to add a Partner/Partners to their Independent Training Affiliate and/or Independent Marketing Affiliate Agreement at any time, he or she can make designations in the online Business Center. The Company will provide the partner(s) with the appropriate Agreements via email to complete the process.

IMA Status Transfer. Upon the death of an Independent Training Affiliate and/or Independent Marketing Affiliate, rights will be transferred in accordance with law. Successor Independent Training Affiliates and/or Independent Marketing Affiliates must comply with the program requirements. Written approval of all sales or transfers must be obtained from the Company and the successor Independent Training Affiliate and/or Independent Marketing Affiliate must execute the then current Independent Training Affiliate and/or Independent Marketing Affiliate contract. Such approval will not be unreasonably withheld. Existing Independent Training Affiliates and/or Independent Marketing Affiliates who transfer their rights must resign and complete a period of six months of total inactivity and non-participation relating to the Company’s programs. A Certificate of Inactivity shall be submitted to the Company at the end of the six-month period. In all cases, the Company must approve the transfer of any Independent Training Affiliate and/or Independent Marketing Affiliate rights under the terms of the Independent Training Affiliate and/or Independent Marketing Affiliate authorization and/or any other situation where an Independent Training Affiliate’s and/or Independent Marketing Affiliate’s rights will be transferred. Upon Company approval, transferee must execute the then current Independent Training Affiliate and/or Independent Marketing Affiliate Agreement.

Independent Training Affiliates and/or Independent Marketing Affiliates who wish to voluntarily transfer their Independent Training Affiliate and/or Independent Marketing Affiliate rights to another individual must execute a transfer Agreement provided by the Company. Purchasers of an existing IMA’s business must be from within the active Renatus Community and they must be qualified at the same, or greater product categories as the party wishing to transfer their business. All requests for the transfer of an Independent Training Affiliate and/or Independent Marketing

Affiliate status must be reviewed and approved by the Company. For permission to transfer your Independent Training Affiliate and/or Independent Marketing Affiliate status, you must forward a letter of intention to the Company, indicating your wish to transfer your status and identify the transferee. The Company will send all needed documentation to the transferor and the transferee for mutual completion, before the transfer process can begin. For additional information, contact Customer Care at CustomerService@MyRenatus.com or 801-701-7337.

The Independent Training Affiliate and/or Independent Marketing Affiliate status will not be considered transferred until it is acknowledged by the Company. The Company charges a minimum $1,000 fee to process any transfer. The minimum $1,000 fee is to be submitted with the request to transfer the Independent Training Affiliate and/or Independent Marketing Affiliate status to another Independent Training Affiliate and/or Independent Marketing Affiliate or entity. Companies or partnerships that have a change of ownership greater than twenty percent (20%), which shall be treated as a transfer, must obtain pre-approval by the Company of such change in ownership. Any new owners/stockholders must comply with the terms of the Independent Training Affiliate and/or Independent Marketing Affiliate Agreement and all Company policies, procedures and guidelines and will be required to execute whatever documents deemed necessary by the Company to bind them to that requirement.

Failure to properly transfer status or ownership as described in this section shall be grounds for immediate termination of the transferring Party and the person(s) and or entity to which the transfer has been made without the Company’s consent.

Product Distribution Outside the Country Individuals around the world are welcome to participate in our online classes with the understanding that our educational product is US based and is specific to the US Real Estate Market. Such a disclaimer must be verbally stated to the customer prior to purchase.

IMA Process to Resign. Independent Training Affiliates and/or Independent Marketing Affiliates and Business Partners may resign by giving written notice to the Company at its principal business address.

IMA Re-Application Regulations. Independent Training Affiliates and/or Independent Marketing Affiliates, and Business Partners, who transfer their business, fail to renew, or who re-sign, must wait for a minimum period of six months prior to re-applying to become an Independent Training Affiliate and/or Independent Marketing Affiliate. Independent Training Affiliates and/or Independent Marketing Affiliates who re-apply will be considered new Independent Training Affiliates and/or Independent Marketing Affiliates and must complete the regular training and qualification process as a new Independent Training Affiliate and/or Independent Marketing Affiliate.

IMA Suspension and Termination. The Company may suspend or terminate Independent Training Affiliate and/or Independent Marketing Affiliate authorization at any time for cause. Such termination is effective upon the Company’s providing written notice to the Independent Training Affiliate and/or Independent Marketing Affiliate or by depositing notice thereof in the United States mail, addressed to the Independent Training Affiliate and/or Independent Marketing Affiliate at the last address provided to the Company by the Independent Training Affiliate and/or Independent Marketing Affiliate. If an Independent Training Affiliate and/or Independent Marketing Affiliate is terminated by the Company, all current, pending and potential commissions, deposits and other items of a material interest to the terminated Independent Training Affiliate and/or Independent Marketing Affiliate shall be forfeited to the Company.

Notices. Any notices by the Company shall be deemed to have been delivered when the Company has deposited them in the United States Mail, addressed to the Independent Training Affiliate and/or Independent Marketing Affiliate at the last address provided the Company by the Independent Training Affiliate and/or Independent Marketing Affiliate.

Business Partner IMA Regulations. All Business Partners are considered to be acting in the capacity of the Independent Training Affiliate and/or Independent Marketing Affiliate they partner with, and therefore, all the same rules, regulations, policies, and procedures that apply to ITAs and IMAs apply in equal force to Business Partners.

General Product Disclaimer and Disclosure

NO PERSONAL ADVICE RETAIL SALES BASIC SALES POLICIES

• You can set your own retail price. • Make the customer aware of the Purchaser’s Right to Cancel Notice. • If you sell any product, you must submit an electronic Purchase Agreement to the

Company. • Taxes. • Fulfill ing product. • Discounts. • Individual / Bulk purchases for resale.

DOCUMENTATION AND RECORDS

All products and the content of the products sold by the Company through its distribution methods and structures are provided for educational or informational use only.

Renatus markets and sells tuition packages for educational classes relating to real estate investing and other topics. Renatus is not an accredited educational institution.

The Company and Renatus Education intend that all end users conduct their own evaluation of specific market conditions relative to their own particular financial circumstances before attempting to apply any of the information provided to any specific investment opportunity. We suggest all Students consult an appropriate professional regarding the applicability of any information contained in any product with respect to their specific situation.

From time to time, products and/or programs of other independent companies are provided to Company customers. The terms of participation for these products or programs is controlled by independent companies and not by the Company.

No Personal Advice The information contained in or made available through the products themselves and/or the Accelerated Investor Training programs of any level (including but not limited to information contained on message boards, in text files, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial or legal or tax matters. We and our licensors or suppliers make no representations or warranties concerning any of the information offered or provided within or through those sources. Renatus and or its assigns and their employees, agents, affiliates, distributors, and/or representatives will not be liable for any consequential, special, exemplary losses that may be alleged as a result of any product purchase, product misuse, or failure to use product within the specified time period, including, but not limited to economic loss.

Retail Sales Independent Training Affiliates and/or Independent Marketing Affiliates will focus entirely on selling Company products to their customers, individually or in groups. Independent Training Affiliates and/or Independent Marketing Affiliates only earn commissions when products are sold. As an Independent Marketing Affiliate, for example, you have the ability to set the product price for the products for which you have been qualified. The difference between your sales price and the Company’s established wholesale price will be paid to you in the form of a commission payment when you are eligible to receive commissions. Independent Marketing Affiliates may not discount the sales price below the wholesale cost of the product or service.

Basic Sales Policies You can set your own retail price.

No one is allowed to regulate the price at which you may sell Company products. However, advertising is strictly regulated and all Independent Training Affiliates and/or Independent Marketing Affiliates advertising must be in strict accordance with published advertising guidelines.

Make the customer aware of the Purchaser’s Right to Cancel Notice. Federal and most state regulations require that customers be given two completed copies of this notice if the sale is for more than $25 and is not made at a regular place of business. The Company approved Purchase Agreement is an online form designed to provide the appropriate copies to the customer. A mail order or telephone sale to someone’s home falls under these regulations in most states. You must ensure that each Purchaser is informed of his right to cancel, and executes the purchase document appropriately indicating he/she understands their right to cancel. You ensure that the Customer understands the right to cancel form must be used to cancel the transaction within the rescission period.

All product sales require an electronic Purchase Agreement to be submitted to the Company.

It must be completed and submitted online, and signed by the customer as required. The Company must receive this Agreement and payment through one of the Company’s approved payment methods before the order will be completed. Approved payments are VISA,

MasterCard, Discover, American Express, qualified funds (cashier’s check) or wire transfer to the Company’s bank account.

Taxes. As an Independent Training Affiliate/Independent Marketing Affiliate, if you are required by local State regulations to pay sales tax you are responsible for the collection and remittance of those taxes to the proper taxing authorities.

Fulfilling product. Within 24 hours of receiving an order, you must be in receipt of the customer’s cashier’s check paid to the Company, have the customer’s credit card information and expressed authorization to use it, or confirmation of a wire transfer submitted by the customer to the Company. You must also submit the completed electronic Purchase Agreement to the Company.

Discounts. Occasionally, a customer will purchase multiple products. If you offer a discount in price to the customer for a package sale, it is up to you, as the selling Independent Training Affiliate and/or Independent Marketing Affiliate, to absorb any discounts offered. Any discounted pricing reduces the commission earned by the selling Independent Marketing Affiliate. Independent Training Affiliates and/or Independent Marketing Affiliates may not discount any products below the Company wholesale price. Independent Training Affiliates and/or Independent Marketing Affiliates who are not qualified at the product category for the product being sold may not offer discounts on products without expressed consent by his or her A-Team for that particular product category.

Individual / Bulk purchases for resale. The Company will not sell products individually or in bulk to ITAs or IMAs for resale to others, nor will the Company sell individual or bulk products to ITAs or IMAs at discounts that are intended for resale by the ITA or IMA. ITAs and IMAs are prohibited from reselling any products purchased from the Company or from warehousing products for resale.

Documentation and Records Documents you generate or collect are your business records. Be aware that there are business and tax requirements for record retention that may apply to these documents. Additionally, some of the documents you generate that relate to the Company must be retained as well. File copies of documents falling into these general categories should be completely executed, dated appropriately and kept in a safe place.

Renatus IMA Events

Advertising Local Market Advertising Approved Use of Logos and Intellectual Property Name Use Internet Literature Customer Solicitation Anti-Spam/Bulk Email Policies

Renatus aids in the promotion and management of IMA-sponsored events across the country through a Web site calendar system, C.A.M.S.™ (Customer Advanced Management System). From posting the event to collecting fees to tracking guest attendance and providing post-event reports, the system is designed to maintain professionalism and provide the tools for effective event management. IMAs must use C.A.M.S.™ for events promoting Renatus. Further, any event fees collected or to be collected for events promoting Renatus must be done through C.A.M.S.™ unless approved in advance to be done in another manner.

Advertising One of the ways the Company protects its good name and the opportunity it provides to Independent Training Affiliates and/or Independent Marketing Affiliates everywhere, is to strictly control the advertising, literature, and media used to promote or explain the Company’s products. To accomplish this, the Company has instituted rules covering these areas. Violation of these rules can result in disciplinary action up to, and including, termination as an Independent Training Affiliate and/or Independent Marketing Affiliate, along with damages and civil penalties.

Following are guidelines that apply to every Independent Training Affiliate and/or Independent Marketing Affiliate.

You must always follow the Company’s compliance guidelines on any solicitation, advertisement, flyer, website, email, etc. that represents Renatus, even when the Renatus name is not mentioned initially or explicitly. Independent Training Affiliates and/or Independent Marketing Affiliates shall at all times, represent products to customers honestly, fully disclosing product characteristics and how to use them. Independent Training Affiliates and/or Independent Marketing Affiliates shall not make claims concerning Company products and programs that are not made in official Company publications. Exaggerated or misleading claims about Company products and programs are also grounds for immediate termination.

The Company reserves the right to review materials on a random basis and in its sole discretion determine if the advertising materials meet Company standards. When it is determined that the materials do not meet Company standards as outlined in the IMA Guide, the materials must be immediately removed from use. Failure to remove materials and cease other advertising activities not in compliance can result in fines and termination.

A few good rules and guidelines to follow are:

• If you can't say/print a statement or make a claim "directly" (through Renatus branded material), then you can't say/print it "indirectly" (through generic material) when the generic material leads to Renatus.

• When using the Renatus name, product information, etc., you must clearly identify yourself as an Independent Training Affiliate and/or Independent Marketing Affiliate of Renatus, authorized to distribute Renatus products. The following statement should be used:

o <IMA NAME> is an authorized, Independent Training Affiliate and/or Independent Marketing Affiliate of Renatus, offering (or distributing) the following products: (approved product descriptions may follow)

• Always use a licensing statement on each page where Renatus name, logos, product descriptions, etc. are to appear:

o <IMA NAME> is an authorized, Independent Training Affiliate and/or Independent Marketing Affiliate of Renatus. The Renatus logo, Company Name, and Products, used in any and all forms are service marks and Intellectual Property owned by Renatus and licensed to <IMA NAME> and may not be duplicated without the express written permission of Renatus.

• Never make or imply guarantees of results or quality. Use only statements that can be proven. e.g. “Renatus is one of the world’s premier providers of real estate education”; but it can’t be stated that we are THE world’s premier provider…

• Renatus reserves the right to approve or disapprove any Independent Training Affiliate and/or Independent Marketing Affiliate’s choice of business name and URL for websites associated with the business or the Company’s products.

• Independent Training Affiliates and/or Independent Marketing Affiliates may not duplicate (i.e. photocopy printed materials or digitally copy audio or video files) marketing materials offered for sale by the Company.

• Independent Training Affiliates and/or Independent Marketing Affiliates cannot copy graphics, (including, but not limited to: logos, images, photographs) from any Renatus website for any use (printed documents or items, websites or replicas of any type).

• When advertising the Renatus Accelerated Investor Training program, always add a disclaimer: o DISCLAIMER: Accelerated Investor Training program curriculum, content, presentation

design and format are proprietary products of Renatus Education™ (RE), distributed exclusively by Renatus™ through its proprietary system. RE offers a unique “Learn to Earn” training and educational program designed specifically for real estate investors. RE does not offer accredited undergraduate or graduate programs.

• Never exaggerate income or make false claims about results. If an income or investment results example is used, a disclaimer must follow:

o NOTE: Any income representations that may be contained in this brochure are the unique results of the individuals making the representations. You may not achieve the same results. The success or failure of investments depends of market conditions, individual investor’s skill, and individual financial circumstances. Some people may make money. Other people may lose money. Because all investments involve risks that vary

depending on individual circumstances, we do not make any predictions or guarantees as to the results you will obtain.

• Never represent yourself as an employee of the Company, or anything other than an independent contractor.

• Never sell an Accelerated Investor Training program tuition package based solely on a specific instructor. The following disclaimer should always be used when instructors’ names are included to describe the Accelerated Investor Training program tuition product:

o DISCLAIMER: As with any Accelerated Investor Training program, courses and instructors may be added, changed, or removed from time to time. The Company prides itself in offering superior content delivered by effective, well-trained instructors. Company reserves the right to make replacements or substitutions as it deems necessary to ensure the quality and effectiveness of its Accelerated Investor Training programs. Such substitutions or replacements are not grounds for a refund of the purchase price.

Local Market Advertising All area advertising, including classified ads, space ads, billboards, radio or TV ads, faxes, and internet ads must use unchanged Company materials, or strictly follow the Company Advertising Guidelines, using logos and other intellectual property provided by Renatus in the online Business Center. No display ads are allowed in the phone directory.

Approved Use of Logos and Intellectual Property To obtain logos and other Intellectual Property of Renatus, you must log on to the IMA Business Center, (www.MyRenatus.com) and agree to the terms and conditions of these guidelines. Logos downloaded for use by ITAs and or IMAs must be used in strict compliance with graphic standards that have been developed by the Company. These standards cover placement, sizing and coloration amongst other requirements. Contact the Marketing Department for a complete list of the graphic standards that apply to the use of downloaded graphics.

Name Use Independent Training Affiliates and/or Independent Marketing Affiliates (as appropriate) are only allowed to use the Company name, in correspondence that does not describe Company products or programs, in the following manner:

Renatus Independent Training Affiliate and/or Independent Marketing Affiliate (Independent Training Affiliate and/or Independent Marketing Affiliate’s name) or (Independent Training Affiliate and/or Independent Marketing Affiliate’s name) Renatus Independent Training Affiliate and/or Independent Marketing Affiliate No Independent Associate may answer their telephones “Renatus,” or in any other way imply that they are the Company.

Internet Use of the Company names, logos, trademarks, copy written materials, intellectual properties on the Internet and links to the Company Independent Training Affiliate and/or Independent Marketing Affiliate web sites, are strictly regulated. These rules apply:

1. When using the Company names, logos, trademarks, copyrighted materials, and intellectual properties on a web site, the Independent Training Affiliate and/or Independent Marketing Affiliate must:

a. Clearly identify themselves as an Independent Training Affiliate and/or Independent 2. Marketing Affiliate of Renatus

a. Follow all Company Advertising Guidelines b. Use only graphics that are provided by Renatus or its approved vendors c. Not directly copy graphics from a Renatus website or literature to use on an ITA and or

IMA website 3. No Independent Training Affiliate and/or Independent Marketing Affiliate or other party may

link an unapproved web site to an approved Company or IMA web site. 4. No Independent Training Affiliate and/or Independent Marketing Affiliate may send unsolicited

commercial e-mail (SPAM) at any time. Doing so may subject the Independent Training Affiliate and/or Independent Marketing Affiliate to disciplinary action, fines, removal from the program, and other penalties.

5. No Independent Training Affiliate and/or Independent Marketing Affiliate web site may contain ANY income claims, income charts, and/or implied guarantees of income, misrepresentations of products, services, or unwarranted use of the word “free.”

6. Additional information regarding advertising policies is available from the Company’s Marketing Department.

Literature Independent Training Affiliates and/or Independent Marketing Affiliates shall not purchase, use, promote, or produce materials of any kind using the Company’s names, products, programs, trademarks, copyrights, or otherwise protected materials, unless those materials are purchased (licensed to the Independent Training Affiliate and/or Independent Marketing Affiliate for their use) from the Company or provided by the Company in their online Business Center, or are purchased from an approved vendor with such clearance. This also includes faxes, websites, and e-mail. The Company also has relationships with vendors and others who have allowed the Company to use their Intellectual Property. Independent Training Affiliates and/or Independent Marketing Affiliates are not allowed to use the Intellectual Property of a Company vendor or strategic partner without their express written consent (a copy of which must be received by the Company before the Intellectual Property is actually used).

Any exceptions must be reviewed by the Company and approved in writing prior to use, or purchased from an approved vendor who has had their materials reviewed and authorized by the Company. This includes promotional items, and any other thing that can be linked to the Company.

Customer Solicitation As an Independent Training Affiliate and/or Independent Marketing Affiliate, you are fully responsible for the electronic messages you send to your customers and potential customers. However, sending unsolicited e mail (AKA Spam) is against Company policy. Sending misleading or fraudulent e-mail is both against Company policy and against the law.

Use of the Renatus Intellectual Property specifically in an e-mail body sent to a non-Renatus list is prohibited. Only e-mail recipients who have specifically requested information about Renatus should receive e-mails bearing the Renatus name or product descriptions.

The Company may terminate your Agreement with the Company if you:

1. Send unsolicited e-mail or faxes; or 2. Hijack a mail server relay; or 3. Distribute illegal information or materials; or 4. Forge or omit header information; or 5. Put false or misleading information in the subject line; or 6. Send e-mail with contents that are false or misleading; or 7. Make statements about results or earnings potential; or 8. Use the Company logo, name or any other branded identification of the Company without

following Company Advertising Guidelines; 9. Use other Company’s or individual’s protected Intellectual Property (trade names, logos or

protected images or text) without following Company Advertising Guidelines; or 10. Fail to provide a reasonable means for unsubscribing from your lists. 11. Use advertising or marketing methods that are against state or federal laws.

a. Use of an auto-dialer, pre-recorded message or telefax for the purpose of a commercial solicitation is prohibited. It is the responsibility of the Independent Training Affiliate and/or Independent Marketing Affiliate to maintain knowledge of the “Do Not Call” registry to assure that people on that list are not called in any manner for the purpose of a solicitation.

Spamming is prohibited. Renatus prohibits transmission, distribution or delivery of any unsolicited bulk or unsolicited commercial e-mail ("Spam"). Any mass e-mailings used to promote a website hosted by Renatus or one which contains the Renatus Intellectual Property (both referred to as “Renatus websites”) must conform to the following bulk email policies:

Anti-Spam/Bulk E-mail Policies The marketing of Renatus websites is strictly prohibited if done through the transmission of unsolicited bulk e-mail (UBE). In other words, the bulk e-mailing must be pursuant to a prior business relationship with the e-mail recipient, including but not limited to having obtained their e-mail address through a verifiable opt-in procedure.

We also strictly prohibit marketing of Renatus websites by the transmission of e-mail that makes use of or contains invalid or forged headers, invalid or non-existent domain names or other means of deceptive addressing (counterfeit e-mail).

We also strictly prohibit marketing of Renatus websites by the transmission of e-mail that is relayed from any third party's mail servers without the permission of that third party, or which employs similar techniques to hide or obscure the source of the e-mail. The transmission of unsolicited bulk e-mail, including the transmission of counterfeit e-mail, may result in civil and criminal penalties against the sender under applicable federal and/or state law.

All Renatus Independent Training Affiliates and/or Independent Marketing Affiliates are responsible for maintaining knowledge of and are required to abide by the federal anti-spam legislation (officially known as the Controlling the Assault of Non- Solicited Pornography and Marketing Act of 2003 or the CAN-SPAM Act of 2003) that became effective JANUARY 1, 2004. Despite its name, the legislation impacts all "commercial" e-mail (both solicited and unsolicited), imposing certain requirements on senders of such e-mail.

At time of printing, details available at: http://www.spamlaws.com/federal/108s877.html

Special and General Policies: Prohibited Practices, Activities and Representations

SPECIAL AND GENERAL POLICIES: PROHIBITED PRACTICES, ACTIVITIES AND REPRESENTATIONS

Use of Company Property. Cross Selling and Solicitation Prohibitions. Co-Marketing. Agreements Foreign to the Company. Proprietary Information. Misrepresentation of the Company. Affiliation with Trade Organizations. Government Recognition. Financial Disclaimers Display of Company Product Pricing. Redistribution of Company Products.

Use of Company Property. Independent Training Affiliates and/or Independent Marketing Affiliates shall not purchase, use, promote, or produce materials of any kind using the Company’s names, products, programs, trademarks, copyrights, or otherwise protected materials, unless those materials are purchased (licensed to the Independent Training Affiliate and/or Independent Marketing Affiliate for their use) from the Company or provided by the Company in their online Business Center, or are purchased from an approved vendor with such clearance.

Cross Selling and Solicitation Prohibitions. Independent Training Affiliates and/or Independent Marketing Affiliates shall not engage in selling or recruiting activities (cross selling or soliciting) relating to non-Company products or programs of any kind or type with other Independent Training Affiliates and/or Independent Marketing Affiliates or customers or potential customers, nor attempt to induce Independent Training Affiliates and/or Independent Marketing Affiliates to terminate their agreement(s) with the Company and or contract with a different Company, program, or group. This rule shall apply during the entire term of an individual’s or entity’s contract and for a period of twelve (12) months thereafter.

Co-Marketing. The Company strictly prohibits the co-marketing of any other business, product or service, seminar or program in conjunction with the Renatus Opportunity and products. This limitation applies to all promotional activities including but not limited to: marketing materials, events, presentations, verbal solicitations etc. In addition, the Company prohibits the use of unapproved speakers or presenters at any Company related event unless they have been contracted by the Company to appear and the content of their materials and information has been approved by the Company. Approvals for this type of activity take 30 days from the receipt of all relevant information regarding the individual and/or organization and the content of the information they may present.

Agreements Foreign to the Company. Independent Training Affiliates and/or Independent Marketing Affiliates shall not use any agreements other than those provided by the Company relating to the purchase of Company products. Specifically prohibited, either written or orally, are understandings that any purchase of a Company product is not refundable and the use of any agreements where down payments and time payments are made to the Independent Training Affiliate and/or Independent Marketing Affiliate for a Company product.

Proprietary Information. Independent Training Affiliates and/or Independent Marketing Affiliates receiving organizational reports and mailing lists by any means, electronic, or otherwise, from the Company shall not use them other than for Company related business. Independent Training Affiliates and/or Independent Marketing Affiliates acknowledge and agree that all such information is the proprietary and confidential information of the Company, that it is transmitted to the Independent Training Affiliate and/or Independent Marketing Affiliate in strictest confidence, and that, but for this Agreement of confidentiality, the Company would not provide this information to the Independent Training Affiliates and/or Independent Marketing Affiliates.

Misrepresentation of the Company. No Independent Training Affiliate and/or Independent Marketing Affiliate shall attempt to represent or act as a spokesperson for the Company, its products or programs, in any way, including to or through any media, or any other person, agency, or entity.

Affiliation with Trade Organizations. No Independent Training Affiliate and/or Independent Marketing Affiliate shall join any trade organization, Chamber of Commerce or Better Business Bureau using the Company’s name as a part of their membership identification. Similarly, no Independent Training Affiliate and/or Independent Marketing Affiliate shall incorporate or form any business entity or design and utilize any email/web addresses or Yellow page ads using the Company’s name or any portion of the Company’s name as a part of their entity name, email/web addresses or Yellow page ads.

Government Recognition. Independent Training Affiliates and/or Independent Marketing Affiliates shall not represent that any governmental unit, agency, or official has reviewed or approved the Company’s program, rules, or materials.

Financial Disclaimers Independent Training Affiliates and/or Independent Marketing Affiliates shall not exaggerate the opportunities provided by the Company, nor will they make untrue, deceptive, or misleading statements. If financial examples, extrapolations, or geometric progressions are given, the phrase “Some Independent Training Affiliates and/or Independent Marketing Affiliates will earn no money at all in this program” must be clearly stated.

Display of Company Product Pricing. Independent Training Affiliates and/or Independent Marketing Affiliates shall not display, or cause to be displayed, Company product prices in any public place or retail establishment without the express written consent of the establishment (a copy of which must be on file with the Company) and the

Company prior to posting the product and/or sale prices. Unless an Independent Training Affiliate and/or Independent Marketing Affiliate conducts a business in their own retail establishment in the normal course of their business, the Company expects that Independent Training Affiliate and/or Independent Marketing Affiliates will conduct their Renatus activities separate from any such establishments.

Redistribution of Company Products. Independent Training Affiliates and/or Independent Marketing Affiliates shall not re-label or repackage Company products or sell them in conjunction or in combination with other or competing products. Independent Training Affiliates and/or Independent Marketing Affiliates shall not duplicate or reproduce any materials or products available through the Company for any reason or purpose without the express written consent of the Company. Independent Training Affiliates and/or Independent Marketing Affiliates shall not represent directly or indirectly that they are the owner or provider of the products or programs that are offered by the Company at any time or in any manner.

1. Independent Training Affiliates and/or Independent Marketing Affiliates shall not combine parts of the Company qualification program or retail marketing opportunity with any other programs, or represent any such other programs as Renatus plans or programs or plans or programs authorized or endorsed by the Company.

2. Independent Training Affiliates and/or Independent Marketing Affiliates shall not engage in any unlawful or deceptive practices. Independent Training Affiliates and/or Independent Marketing Affiliates shall not conduct any activity that requires a registration, license, insurance or permit(s) without first obtaining said registration, license, insurance or permit(s) in a timely manner.

3. Independent Training Affiliates and/or Independent Marketing Affiliates shall not modify or change the Company’s approved product presentations.

4. Independent Training Affiliates and/or Independent Marketing Affiliates shall not arbitrarily modify or change the Company’s programs or opportunities and they shall not promote or endorse modified or changed programs to any other Independent Training Affiliate and/or Independent Marketing Affiliate.

5. Independent Training Affiliates and/or Independent Marketing Affiliates shall not prohibit or restrict any other Independent Training Affiliate and/or Independent Marketing Affiliate from advertising and or marketing Company products or expanding their customer base as long as they are doing so in accordance with Company policy.

6. Any incomes earned as Independent Marketing Affiliate marketing Company authorized products are earned only through individual effort, producing successful retail product sales. Results vary.

7. The Company does not provide nor does it collaborate in the preparation of a “seller assisted marketing plan”. Independent Training Affiliates and/or Independent Marketing Affiliates are independent contractors. They are responsible for establishing their own marketing plans, setting their own work hours and schedules. The Company never asks customers or Independent Training Affiliates and/or Independent Marketing Affiliates to make financial commitments based on a presumption that the commitment will produce any result, either beneficial or detrimental, to the individual.

8. No person can "buy" a qualified position or pay money for the right to be able to earn commissions. All product category qualifications are earned through successful completion of training, testing and retail sales.

9. No one is paid for recruiting. Any amount of income that may be realized by an Independent Marketing Affiliate is the result of successful retail sales activity only.

10. No commissions are projected or guaranteed. The Company does not represent that anyone will be successful, regardless of the effort or individual’s efforts to be successful marketing the products or programs offered by Company, or that any level of success will result from participation.

11. Deceptive sales practices are forbidden. The Company at all times prohibits any practice that would deceive or mislead any customer or potential customer or Independent Training Affiliate and/or Independent Marketing Affiliate in the program.

12. Exaggerated claims and promises are deceptive and NOT allowed. Exaggerating the possible results of participation or inflating or misrepresenting the truth is unnecessary and prohibited.

13. Disclaimers are required in ALL presentations. These disclaimers must be included in EVERY marketing opportunity presentation. EACH OF THESE STATEMENTS MUST BE MADE AT ANY PRESENTATION. NONE ARE TO BE OMITTED. a. No incomes, profits or gains are represented or guaranteed in any amount for any

customer or Independent Marketing Affiliate. b. Some Independent Marketing Affiliates will earn no commissions at all in this program. c. No person earns any commission for enrolling others in the program. d. No purchase of any product is required for participation in the program. e. This program is not endorsed by any agency: federal, state, or local or in any country or

by an institution of higher learning. f. All numerical examples are for illustrative and explanatory purposes and do not imply

any specific results will be achieved. g. Any personal experiences shared are unique to the individuals sharing them, are not

typical and should not be presented as assurances of success for any customer or Independent Marketing Affiliate. Results of participation will vary widely.

Use of Name, Voice and Likeness

The Company may take photographs or make audio/video recordings at Company events or programs. Independent Training Affiliates and/or Independent Marketing Affiliates agree that for the consideration Independent Training Affiliates and/or Independent Marketing Affiliates have received as part of their authorization, the Company can perpetually use the Independent Training Affiliate’s and/or Independent Marketing Affiliate’s name and likeness (both photographs and audio/video) in Company promotional materials and or products, without any additional permission from Independent Training Affiliate and/or Independent Marketing Affiliate and without additional fees or consideration being due to Independent Training Affiliate and/or Independent Marketing Affiliate.

Compensation and Commissions

Guest Protections Calculations Commissions on Retail Sales Company Endorsed Financing Current Products Amending the Rules

Independent Training Affiliates or Independent Marketing Affiliates are encouraged to work with guests on the path to becoming customers. Renatus events are tools to help the guest progress. Events are powerful in helping guests realize the potential of the Renatus opportunity. As an assurance the guests will work with the Independent Training Affiliate or Independent Marketing Affiliate that invited them to the event, Renatus has created a protection period.

Guest Protections As guests attend meetings, the Independent Training Affiliate or Independent Marketing Affiliate is afforded a protection period. The protection period is a period of time in which only the inviting ITA or IMA can register their guest for an event. This allows the ITA or IMA to work with their guest on the path to becoming a customer without fear of other ITA or IMA’s taking their guest. Protection periods vary depending on the event that the guest attends.

Protection Periods are based on event attendance and are as follows:

• Event Walk Up – 14 days • Recorded Webinar/Conference Call – 14 days • Live Webinar/Conference Call – 30 days • Live Event – 90 days

Purchase date versus process date affects the commission calculation that is payable on any scheduled ‘pay date.’ The purchase date is defined as the date a purchase transaction is electronically completed and signed by the purchaser. The seven day right of rescission begins when the before mentioned signature has been verified by the Company. The process date is defined as the date the order process is completed, the customer’s information has been entered into the Company’s business records, the customer’s payment has cleared and been deposited in the Company’s account(s), and the seven day Right of Rescission has passed without the customer exercising the rescission within that seven-day period.

Calculations You have the ability to sell any product for which you are qualified at the retail price of your choosing provided that the Company receives the established wholesale price. The difference between the retail price and the wholesale price is the seller’s commission on the sale. For instance, if you sell a product at the Company’s established wholesale price, no commission will be earned. Any product sold above the

wholesale price will generate a commission generally equal to the retail sales price less the Company established wholesale price.

A retail sale is a sale to anyone who pays a retail price for the product.

Commissions on Retail Sales All sales are retail sales. No person will receive commissions on the sale of any product until they have executed an Independent Marketing Affiliate Agreement. Independent Training Affiliates must work and participate with their designated A-Team to complete successful sales to achieve qualification. Upon completion of all qualification requirements, the Independent Marketing Affiliate must pass a qualification exam. The exam is accessed by logging into the Business Center. The Independent Marketing Affiliate will not be considered qualified until he or she passes the exam, and any commissions earned will be held pending a passing score. Any commissions pending for any reason for sixty (60) days or more will be forfeited. Once qualified, an Independent Marketing Affiliate may establish his own sales price without restriction, and begins earning commissions with the first sale in a product category.

The Company must receive the wholesale price indicated in the chart below. The difference between the wholesale price and the price that the Independent Training Affiliate and/or Independent Marketing Affiliate chooses to sell the product for is the amount of commission earned by the selling Independent Marketing Affiliate. The schedule below displays MSRP, wholesale price and the amount of commission earned if the product is sold at MSRP.

Company Endorsed Financing In an effort to allow more customers access to the education, the company endorsed a 3rd party financing company, Universal Guardian Acceptance (UGA). All products purchased with UGA financing require a minimum 20% down payment; commissions are adjusted accordingly.

UGA retains the option of buying the contracts before the first payment is made by the customer. When UGA buys a contracts, the pay 70% of the value. The company collects the remaining balance owed and pays the rest to the ITA/IMA.

When contracts are not purchased but sent to billing, the company pays regular commissions as often as the customer makes payments.

If the customer goes delinquent with UGA, any pending commissions to the customer are automatically held and are subject to the regular policies surrounding held commissions. Should the account go to collections, all commissions cease immediately.

Current products and Commission Chart: Effective Date: January 1st, 2015

Product MSRP Wholesale Sales Commission Essentials $1,997 $997 $1,000

AIT Advanced $5,997 $2,997 $3,000 AIT Xtream Plus $17,997 $8,997 $9,000

*For Coaching Upgrade purchases, the ITA/IMA being paid is the seller of the original Coaching product as opposed to who was actually paid on the original Coaching product sale.

Amending the Rules The Company can and will amend these rules from time to time. It is the responsibility of all Independent Training Affiliates and/or Independent Marketing Affiliates to maintain and provide the Company with an active and functioning e-mail address and to check the Company’s website and the Independent Training Affiliate’s and/or Independent Marketing Affiliate’s electronic Business Center periodically for these changes and amendments.

All amendments to rules, guidelines, policies, and/or commission schedules take effect immediately and without notice upon publication on the Company’s website and/or in the Independent Training Affiliate’s and/or Independent Marketing Affiliate’s electronic Business Center and/or in a Company newsletter, bulletin, or other publication, such as Fax-On-Demand, and will be binding on all Independent Training Affiliates and/or Independent Marketing Affiliates who continue in the program after the publication date.

Glossary and Terminology

The following definitions will help you understand this Guide and the Company’s rules, policies or procedures by establishing the meaning of key terms and basic terminology.

Qualification: A designation given to Independent Training Affiliates indicating that they have successfully completed sales and product training. Upon qualification, the Independent Training Affiliate becomes an Independent Marketing Affiliate and is eligible to earn commissions for successful sales of Company product.

Deceptive Advertising: Although stated throughout this Guide as a prohibition when advertising, making presentations or talking with potential customers, there are some specific practices that are forbidden and are grounds for immediate termination and restitution to individuals that may have been damaged by the prohibited acts or behavior. These specific acts include, but are not limited to:

Soliciting potential customers by falsely representing that employment is being offered is deceptive. In particular, advertising on internet sites (Monster.com as an example) for ‘sales representatives’ is deceptive unless you are offering a bona fide employment relationship to the individuals that respond to the advertisement.

All customers of the Company are retail customers first and (for those who have entered the marketing training program) independent contractors second.

There is no other relationship unless you, as an IMA, are offering legitimate employment to an individual and will pay a wage to that individual, supervise the individual and generally control all aspects of their services.

1. Making deceptive earnings references or claims 2. Implying either in advertising, writing or orally that any possible earnings results are guaranteed,

fast, and easy or occur within a defined or implied time period.

President’s Advisory Committee Member: A PAC Member is an Independent Marketing Affiliate. The term PAC Member is used to indicate a leadership role among the Independent Training Affiliate and/or Independent Marketing Affiliates but the term is in no way meant to imply that the President’s Advisory Committee Member is an employee or agent of the Company. PAC Members have demonstrated the desire to make Renatus a full-time career and have committed their full-time efforts to marketing Company products. They have considerable experience in marketing and sales success, and have demonstrated leadership capabilities. This individual builds, leads, and supports a sales organization made up of Independent Training Affiliates, and Independent Marketing Affiliates within the company and monitors performance standards. PAC Members are also responsible for the management and enforcement of this Guide.

Independent Marketing Affiliate (IMA): An Independent Marketing Affiliate is an individual who enters into a contract with the Company to sell its products. All Independent Marketing Affiliates must be eighteen years of age or older.

Independent Training Affiliates are trained by an Independent Marketing Affiliate to market Company products. Their primary objective is to develop a customer base. They may do so utilizing any Company approved advertising or product marketing materials. Independent Training Affiliates and/or Independent Marketing Affiliates may gather customers anywhere they choose within the United States of America and/or its territories.

Independent Training Affiliate (ITA): An Independent Training Affiliate is an individual that has signed an Independent Training Affiliate Agreement with the Company. This Agreement sets out the conditions that apply to the individual during the qualification training process. All Independent Marketing Affiliates must be eighteen years of age or older. Independent Training Affiliates are trained by an Independent Marketing Affiliate to market Company products. Their primary objective is to develop a customer base. They may do so utilizing any Company approved advertising or product marketing materials. Upon successful completion of all the qualification requirements the individual will become an Independent Marketing Affiliate and be eligible to receive commissions for retail sales they make. The steps to qualification are described in the Compensation Plan document, available in the online Business Center.

Inactive Status: A serious situation which calls for immediate attention. Anyone on inactive status forfeits commissions, and is barred from selling Company products.

Renatus™: Renatus is a trade name for Renatus, LLC and is referred to in this Guide as “Renatus”, and or “Company”. The Company is an experienced marketing and distribution company which has the exclusive license to distribute the Renatus Education® educational products. The Company is responsible for developing and maintaining a nationwide sales force.

Renatus Education®: Renatus Education® is an educational company dedicated to developing proprietary educational materials and systems. Renatus Education® has licensed its proprietary product to the Company.

Partner: There are two different types of Partners: Business Partners and Learning Partners.

Business Partner: A Business Partner is a person who has signed and agreed to the terms and conditions applicable to Independent Training Affiliate and/or Independent Marketing Affiliate Agreements and has agreed to be bound by all of the same obligations as the primary business contact. All Business Partners must sign a Company provided Agreement to become recognized as a Business Partner.

Learning Partner: A Learning Partner is a person designated by a student to share in the education program with them. Learning Partner designations are not reversible and can only be changed through the following exceptions: 1.) The learning partner purchases an educational product of their own, 2.) The educational product owned by the primary, expires and the Primary Education Holder acquires the continuing education program.

Probationary Status: This is a warning status to inactive ITAs and IMAs. If inactivity continues past forty-five days, you will receive another notice letter that you have fifteen days remaining to remedy this situation. If you remedy the situation, you will remain on probation for three months. If you fail to remedy this situation you will be terminated.

Process Date: The date the order process is completed, the customer’s information has been entered into the Company’s business records, the customer’s payment has cleared and been deposited in the Company’s account(s), and the seven day Right of Rescission has passed without the customer exercising the rescission within that seven-day period.

Product Category: A designation of convenience that separates products into categories based on the product characteristics. Current product categories are Essentials Courses and Accelerated Investor Training Packages (Advanced/Premium Plus/Xtream Plus). Refer to the Company’s Compensation Plan document for further details.

Purchase Date: The date a purchase transaction is electronically completed and signed by the purchaser, said signature has been verified by the Company, and payment has been received by the Company.

Suspension Status: An Independent Training Affiliate and/or Independent Marketing Affiliate may be suspended if, at any time, the Company, upon information and belief and in its sole discretion, believes that an Independent Training Affiliate and/or Independent Marketing Affiliate has violated his or her Agreement, Company rules and guidelines, and or laws or ordinances. While in a suspension status, any commissions due to the Independent Training Affiliate and/or Independent Marketing Affiliate will be frozen and the Independent Training Affiliate and/or Independent Marketing Affiliate will be prohibited from selling or marketing Company products pending completion of an investigation by the Company’s compliance officer. Independent Training Affiliates and/or Independent Marketing Affiliates agree to be bound by the Company’s decision.

If it is brought to the attention of the Company that the Independent Training Affiliate and/or Independent Marketing Affiliate has defaulted on a loan in which the Company is a direct beneficiary, after 10 days of delinquency, said Independent Training Affiliate and/or Independent Marketing Affiliate will be placed in Suspension Status.

Seven Day Right of Rescission: A “cooling off” period that applies to all purchases. The Company extends this consumer benefit to all customers. As defined, the seven (7) day period ends at midnight of the seventh calendar day following the consummation (signed purchase agreement and funds received by the Company) of the transaction.

Student: A retail customer/purchaser of Company products.

Termination Status: An Independent Training Affiliate and/or Independent Marketing Affiliate will be terminated for any issue directly related to a specific violation of his or her agreement, a clear Company policy, and/or other applicable law, ordinance or regulation. An Independent Training Affiliate and/or Independent Marketing Affiliate may also be terminated for an extended period of inactivity. Terminated IMAs are not entitled to receive pending or future commissions. Upon termination, a letter is issued to the Independent Training Affiliate and/or Independent Marketing Affiliate advising him or her that he or she is no longer authorized to sell Company products and services and that he or she has forfeited any pending or future commissions from active customers as well as all training qualifications.

Terms, Conditions, Disclaimers, and Disclosures: Important information applicable to the purchase and use of products distributed by Company and/or benefits included with a particular purchase.

Training Sale: A successful retail sale by an Independent Training Affiliate or an Independent Marketing Affiliate, to a customer of a product from one of the product categories where the Independent Marketing Affiliate is not yet qualified.

Static Timelines 7 days –

• Right of rescission

10 days –

• As delinquent with UGA before marked as suspended in system (suspended withholds commissions, and while suspended the system won’t recognize first purchase as a first purchase)

12 days –

• After order’s rescission period begins before commissions payout (7-day rescission, beginning at verification of signature, +5-day wait)

14 days –

• Protection for walkups • Protection for guest attending pre-recorded webinar/conference call • The farthest date that you can register a guest for a free event

30 days –

• Commission held for inactive login (IMA hasn’t logged in or done anything in their Business Center for the last 30 days, as per clause in their IMA agreement)

• Protection on guest for attending live webinar/conference call

60 days –

• Before any held commissions are forfeited and lost forever

90 days –

• Protection issued for guests who were registered in advance for an event using the calendar system and have been checked in by the event host.

• The farthest date that you can register a guest for a paid event

6 Months –

• An IMA must sit out of the company before being able to sign-up under someone else. (Loses down line and qualification progress)

• Email history viewable in the Business Center

12 Months –

• IMA contract length • Essentials redemption • AIT advanced redemption • Minimum continued education payment length • AIT Xtream Plus redemption

Other Timelines: Protection for guests up until the date of the paid event. If the protection on a guest is already longer than that date, the longer date stays.

## Days + 15 Days – UGA Monthly payments will pay the 15th of the following month.

• Example: Payments collected on Oct 1st will pay out Nov 15th. Payments collected on Oct 27th will also pay out Nov 15th. But payments collected on Nov 1st will pay out Dec 15th

Every 60 minutes (or so)

• Orders are completed and moved along in the system. o Example: If a customer has all the funds in for an order, and 7 days has already passed

for the right of rescission, and we’re just waiting for a signature, and the customer signs at 3:33PM, the order won’t move along, and in this case complete, until 4:00PM.

• Pending UGA applications are sent to UGA.

• Subscriptions that have elapsed are charged o Business Builder o National o Continued Education

Every Few Hours (or so)

• Signatures are verified by Customer Service • Calendar events are verified by Customer Service • Continued education documents are verified by Customer Service

12 Hours (or so) –

• UGA accounts are checked for delinquency.

Every Day – UGA accounts are imported to update delinquency/collections.

Legal Advice: You understand that you can rely upon the advice of attorneys of your own choice, concerning the legal and tax consequences, if any, of this Guide; that you read all of the terms of this Guide, and that you fully understand and voluntarily accept the terms of this Guide.