Policies & Procedures

POLICIES & PROCEDURES
SECTION 1
INTRODUCTION
1.1          Policies and Compensation Plan Incorporated into Associate Agreement
1.2          Changes to the Agreement
1.3          Policies and Provisions Severable
1.4          Waiver

SECTION 2
BECOMING AN ASSOCIATE
2.1          Requirements to Become an Associate
2.2          No Product Purchases Required
2.3          Associate Benefits
2.4          Term and Renewal of Your Independent VOYAGER Business

SECTION 3
OPERATING AN INDEPENDENT VOYAGER BUSINESS
3.1          Associate Created Marketing Methods and Tools
3.2          Advertising
3.2.1       General
3.2.2       Trademarks and Copyrights
3.2.3       Media and Media Inquiries
3.2.4       Unsolicited Email
3.2.5       Unsolicited Faxes
3.2.6       Telephone Directory Listings
3.3          Online Conduct
3.3.1       Associate Web Sites
3.3.2       VOYAGER Replicated Websites
3.3.3       Team Websites
3.3.4       Domain Names, email Addresses and Online Aliases
3.3.5       VOYAGER Hotlinks
3.3.6       Online Classifieds
3.3.7       eBay / Online Auctions
3.3.8       Online Retailing
3.3.9       Banner Advertising
3.3.10     Spam Linking
3.3.11     Digital Media Submission (YouTube, iTunes, PhotoBucket etc.)
3.3.12     Sponsored Links / Pay-Per-Click (PPC) Ads
3.3.13     Social Media
3.4          Business Entities
3.4.1       Changes to a Business Entity
3.5          Change of Sponsor
3.5.1       Misplacement
3.5.2      Upline Approval
3.5.3      Cancellation and Re-application
3.6         Waiver of Claims
3.7         Unauthorized Claims and Actions
3.7.1      Indemnification
3.7.2      Product Claims
3.7.3      Income Claims
3.8         Repackaging and Re-labeling Prohibited
3.9         Commercial Outlets
3.9.1      Family Owned Businesses
3.9.2      Large Retail and Distribution Companies
3.10       Trade Shows, Expositions and Other Sales Forums
3.11       Conflicts of Interest
3.11.1    Non-solicitation
3.11.2    Associate Participation in Other Direct Selling Programs
3.11.3    Confidential Information
3.12      Targeting Other Direct Sellers
3.13      Errors or Questions
3.14      Governmental Approval or Endorsement
3.15      Holding Applications or Orders
3.16      Income Taxes
3.17      Independent Contractor Status
3.18      Insurance
3.19     International Marketing
3.20     Excess Inventory and Bonus Buying
3.21      Adherence to Laws and Ordinances
3.22      One VOYAGER Business Per Associate and Per Household
3.23      Actions of Household Members or Affiliated Parties
3.24      Requests for Records
3.25      Roll-up of Marketing Organization
3.26      Sale, Transfer or Assignment of an Independent VOYAGER Business
3.27      Separation of a VOYAGER Business
3.28      Sponsoring
3.28.1   Sponsoring Online
3.29      Succession
3.29.1   Transfer Upon Death of an Associate
3.29.2  Transfer Upon Incapacitation of an Associate
3.30     Telemarketing Techniques
3.31      Back Office Access

SECTION 4
RESPONSIBILITIES OF ASSOCIATES
4.1       Change of Contact Information
4.2       Continuing Development Obligations
4.2.1    Ongoing Training
4.2.2    Increased Training Responsibilities
4.2.3    Ongoing Sales Responsibilities
4.3       Non-disparagement
4.4       Providing Documentation to Applicants

SECTION 5
SALES REQUIREMENTS
5.1       Product Sales
5.2       No Territory Restrictions
5.3       Sales Receipts

SECTION 6
BONUSES AND COMMISSIONS
6.1       Bonus and Commission Qualifications and Accrual
6.2       Adjustment to Bonuses and Commissions
6.2.1    Adjustments for Returned Products
6.2.2    Hard Copy Bonus and Commission Checks
6.3       Reports

SECTION 7
PRODUCT GUARANTEES, RETURNS AND INVENTORY REPURCHASE
7.1       Product Guarantee
7.2       Returns by Retail Customers
7.3       Return of Inventory and Sales Aids by Associates Upon Cancellation
7.3.1    Montana Residents
7.4       Procedures for All Returns

SECTION 8
DISPUTE RESOLUTION AND DISCIPLINARY PROCEEDINGS
8.1       Disciplinary Sanctions
8.2       Grievances and Complaints
8.3       Mediation
8.4       Arbitration
8.5       Governing Law, Jurisdiction and Venue
8.5.1    Louisiana Residents

SECTION 9
PAYMENT
9.1       Returned Checks
9.2       Restrictions on Third Party Use of Credit Cards and Checking Account Access
9.3       Sales Taxes

SECTION 10
INACTIVITY, RECLASSIFICATION, AND CANCELLATION
10.1      Effect of Cancellation
10.2      Cancellation Due to Inactivity
10.2.1   Failure to Meet Personal Volume (PV) Quota
10.2.2   Reclassification Following Cancellation Due to Inactivity
10.3      Involuntary Cancellation
10.4      Voluntary Cancellation
10.5      Non-renewal
10.6      Credit Card Charge-backs

SECTION 11
DEFINITIONS
SECTION 1 – INTRODUCTION
1.1 – Policies and Compensation Plan Incorporated into Associate Agreement
These Policies and Procedures, in their present form and as amended at the sole discretion of VOYAGER HEALTH TECHNOLOGIES CORP. (hereafter “VOYAGER” or the “Company”), are incorporated into, and form an integral part of, the VOYAGER Associate Agreement. Throughout these Policies, when the term “Agreement” is used, it collectively refers to the VOYAGER Associate Application and Agreement, these Policies and Procedures, the VOYAGER Compensation Plan, and the VOYAGER Business Entity Registration Form (if applicable). These documents are incorporated by reference into the VOYAGER Associate Agreement (all in their current form and as amended by VOYAGER).

1.2 – Changes to the Agreement
VOYAGER reserves the right to amend the Agreement and its prices in its sole and absolute discretion. By executing the Associate Agreement, an Associate agrees to abide by all amendments or modifications that VOYAGER elects to make. Amendments shall be effective 30 days after publication of notice that the Agreement has been modified, but amended policies shall not apply retroactively to conduct that occurred prior to the effective date of the amendment. Notification of amendments shall be published by one or more of the following methods: (1) posting on the Company’s official web site; (2) electronic mail (e-mail); (3) posting in Associates’ back-offices; (4) inclusion in Company periodicals; (5) inclusion in product orders or bonus checks; or (6) special mailings. The continuation of an Associate’s VOYAGER business or an Associate’s acceptance of bonuses or commissions constitutes acceptance of all amendments.

1.3 – Policies and Provisions Severable
If any provision of the Agreement, in its current form or as may be amended, is found to be invalid or unenforceable for any reason, only the invalid portion(s) of the provision shall be severed and the remaining terms and provisions shall remain in full force and effect. The severed provision, or portion thereof, shall be reformed to reflect the purpose of the provision as closely as possible.

1.4 – Waiver
The Company never gives up its right to insist on compliance with the Agreement and with the applicable laws governing the conduct of a business. No failure of VOYAGER to exercise any right or power under the Agreement or to insist upon strict compliance by an Associate with any obligation or provision of the Agreement, and no custom or practice of the parties at variance with the terms of the Agreement, shall constitute a waiver of VOYAGER’s right to demand exact compliance with the Agreement. The existence of any claim or cause of action of an Associate against VOYAGER shall not constitute a defense to VOYAGER’s enforcement of any term or provision of the Agreement.

SECTION 2 – BECOMING AN ASSOCIATE
2.1 – Requirements to Become an Associate
To become a VOYAGER Associate, each applicant must:

• Be at least 18 years of age;
• Reside in the United States, a U.S. Territory, or any country that VOYAGER has officially announced is open for business
• Have a valid Social Security or Federal Tax ID number
• Remit $25 Annual Renewable Web Fee
• Submit a properly completed Associate Application and Agreement to VOYAGER either in hard copy or online format.

2.2 – No Product Purchases Required
Except for the payment of the Annual Renewable Web fee for the Replicated Website, no person or entity is required to purchase VOYAGER products, services or sales aids, or to pay any charge or fee to become an Associate. The Company does require that each Associate pay the Annual Renewable Web fee for the Associate’s annual subscription to the VOYAGER Replicated Website. VOYAGER will refund these fees from any Associate who terminates his or her Associate Agreement pursuant to the terms of Section 7.3.

2.3 – Associate Benefits
Once an Associate Application and Agreement has been accepted by VOYAGER, the benefits of the Compensation Plan and the Associate Agreement are available to the new Associate. These benefits include the right to:

• Sell VOYAGER products
• Participate in the VOYAGER Compensation Plan (receive bonuses and commissions, if eligible)
• Sponsor other individuals as Preferred Customers or Associates into the VOYAGER business and thereby, build a Marketing Organization and progress through the VOYAGER Compensation Plan
• Receive periodic VOYAGER literature and other VOYAGER communications
• Participate in VOYAGER-sponsored support, service, training, motivational and recognition functions, upon payment of appropriate charges, if applicable
• Participate in promotional and incentive contests and programs sponsored by VOYAGER for its Associates

2.4 – Term and Renewal of Your Independent VOYAGER Business
The term of the Associate Agreement is one year from the date of its acceptance by VOYAGER (subject to prior termination or reclassification pursuant to Section 10). Associates must renew their Associate Agreement each year by paying the Annual Renewable Web fee of $35.00 on or before the anniversary date of their Associate Agreement. If the fee is not paid within 30 days after the expiration of the current term of the Associate Agreement, the Associate Agreement will be terminated. Associates may elect to utilize the Automatic Renewal Program (“ARP”). Under the ARP, the renewal fee will be charged to the Associate’s credit card on file with the Company. An Associate may elect to participate in ARP at enrollment.

SECTION 3 – OPERATING AN INDEPENDENT VOYAGER BUSINESS
3.1 – Associate Created Marketing Methods and Tools
Associates must adhere to the terms of the VOYAGER Compensation Plan as set forth in official VOYAGER literature. Associates shall not offer the VOYAGER opportunity through, or in combination with, any other system, program, sales tools, or method of marketing other than that specifically set forth in official VOYAGER literature. Associates shall not require or encourage other current or prospective Preferred Customers or Associates to execute any agreement or contract other than official VOYAGER agreements and contracts in order to become a VOYAGER Associate. Similarly, Associates shall not require or encourage other current or prospective Preferred Customers or Associates to make any purchase from, or payment to, any individual or other entity to participate in the VOYAGER Compensation Plan other than those purchases or payments identified as recommended or required in official VOYAGER literature.

3.2 – Advertising
3.2.1 – General
All Associates shall safeguard and promote the good reputation of VOYAGER and its products. The marketing and promotion of VOYAGER, the VOYAGER opportunity, the Compensation Plan, and VOYAGER products must avoid all discourteous, deceptive, misleading, unethical or immoral conduct or practices.

To promote both the products and the tremendous opportunity VOYAGER offers, Associates may only use the sales tools and support materials produced by VOYAGER or that have been approved by VOYAGER. The Company has carefully designed its products, product labels, Compensation Plan, and promotional materials to ensure that they are promoted in a fair and truthful manner, that they are substantiated, and that the materials comply with the legal requirements of federal and state laws.

Accordingly, Associates may only advertise or promote their VOYAGER business using approved tools, templates or images acquired through VOYAGER. No approval is necessary to use these approved tools. If an Associate wishes to design his or her own online or offline marketing materials of any kind, the proposed designs must be submitted to the VOYAGER Associate Services Department at support@VoyagerHealth.com for consideration and inclusion in the template/image library. Unless the Associate receives specific written approval from VOYAGER to use such tools, the request shall be deemed denied. Go to the Template Library tab in your Replicated Website Back Office for guidelines and to access the library.

Associates may not sell sales aids to other VOYAGER Associates. Therefore, Associates who receive authorization from VOYAGER to produce their own sales aids may not sell such material to any other VOYAGER Associate. Associates may make approved material available to other Associates free of charge if they wish, but may not charge other VOYAGER Associates for the material.

VOYAGER further reserves the right to rescind approval for any sales tools, promotional materials, advertisements, or other literature, and Associates waive all claims for damages or remuneration arising from or relating to such rescission.

3.2.2 – Trademarks and Copyrights
The name of VOYAGER and other names as may be adopted by VOYAGER are proprietary trade names, trademarks and service marks of VOYAGER. As such, these marks are of great value to VOYAGER and are supplied to Associates for their use only in an expressly authorized manner. VOYAGER will not allow the use of its trade names, trademarks, designs, or symbols, or any derivatives of such marks, by any person, including VOYAGER Associates, in any unauthorized manner without its prior, written permission.

The content of all Company sponsored events is copyrighted material. Associates may not produce for sale or distribution any recorded Company events and speeches without written permission from VOYAGER. Nor may Associates reproduce for sale or for personal use any recording of Company-produced audio or video tape presentations.

As an independent Associate, you may use the VOYAGER name in the following manner:
Associate’s Name
Independent Voyager Health Technologies Associate

Example: Alice Smith
Independent Voyager Health Technologies Associate

Associates may not use the names “VOYAGER”, “VOYAGER HEALTH”, or “VOYAGER HEALTH TECHNOLOGIES”, or the names of any VOYAGER products, in any form in a team name, a tagline, a personal website address or extension, in an e-mail address, as a personal name, or as a nickname. Additionally, an Associate may only use the phrases “Independent Voyager Associate”, “Independent Voyager Health Associate”, or “Independent Voyager Health Technologies Associate” in telephone greetings or on an answering machine to clearly separate the Associate’s independent VOYAGER business from VOYAGER. For example, an Associate may not secure the domain name www.buyvoyager.com, www.buyvoyagerhealth.com, www.teamvoyager.com, or www.BuyV3.com. Nor may an Associate create an email address such as voyagersales@hotmail.com or voyagerhealthsales@hotmail.com.

If an Associate uses a VOYAGER logo in any communication, the Associate must use the Independent Associate version of the VOYAGER logo. The use of any other VOYAGER logo requires written approval. The following Independent Associate VOYAGER logo, which may be downloaded from the Associate’s Replicated Website Back Office, is approved for use:

3.2.3 – Media and Media Inquiries
Associates must not attempt to respond to media inquiries regarding VOYAGER, its products, or their independent VOYAGER business. All inquiries by any type of media must be immediately referred to VOYAGER’s Associate Services Department. This policy is designed to assure that accurate and consistent information is provided to the public as well as a proper public image.

3.2.4 – Unsolicited Email
VOYAGER does not permit Associates to send unsolicited commercial emails unless such emails strictly comply with applicable laws and regulations including, without limitation, the federal CAN SPAM Act. Any email sent by an Associate that promotes VOYAGER, the VOYAGER opportunity, or VOYAGER products must comply with the following:

• There must be a functioning return email address to the sender.
• There must be a notice in the email that advises the recipient that he or she may reply to the email, via the functioning return email address, to request that future email solicitations or correspondence not be sent to him or her (a functioning “opt-out” notice).
• The email must include the Associate’s physical mailing address.
• The email must clearly and conspicuously disclose that the message is an advertisement or solicitation.
• The use of deceptive subject lines and/or false header information is prohibited.
• All opt-out requests, whether received by email or regular mail, must be honored. If an Associate receives an opt-out request from a recipient of an email, the Associate must forward the opt-out request to the Company.

VOYAGER may periodically send commercial emails on behalf of Associates. By entering into the Associate Agreement, Associate agrees that the Company may send such emails and that the Associate’s physical and email addresses will be included in such emails as outlined above. Associates shall honor opt-out requests generated as a result of such emails sent by the Company.

3.2.5 – Unsolicited Faxes
Except as provided in this section, Associates may not use or transmit unsolicited faxes in connection with their VOYAGER businesses. The term “unsolicited faxes” means the transmission via telephone facsimile or computer of any material or information advertising or promoting VOYAGER, its products, its compensation plan or any other aspect of the company which is transmitted to any person, except that these terms do not include a fax: (a) to any person with that person’s prior express invitation or permission; or (b) to any person with whom the Associate has an established business or personal relationship. The term “established business or personal relationship” means a prior or existing relationship formed by a voluntary two way communication between an Associate and a person, on the basis of: (a) an inquiry, application, purchase or transaction by the person regarding products offered by such Associate; or (b) a personal or familial relationship, which relationship has not been previously terminated by either party.

3.2.6 – Telephone Directory Listings
Associates may list themselves as an “Independent Voyager Health Technologies Associate” in the white or yellow pages of the telephone directory, or with online directories, under their own name. No Associate may place telephone or online directory display ads using VOYAGER’s name or logo.

Associates may not answer the telephone by saying “Voyager”, “Voyager Health”, “Voyager Health Technologies”, or in any other manner that would lead the caller to believe that he or she has reached corporate offices of VOYAGER. If an Associate wishes to post his or her name in a telephone or online directory, it must be listed in the following format:

Associate’s Name
Independent Voyager Health Technologies Associate
3.3 – Online Conduct
3.3.1 – Associate Web Sites
Associates are provided with a replicated website by VOYAGER, from which they can take orders, enroll new Associates, and place customers on the Preferred Customer Auto-Ship program, as well as manage their VOYAGER business. Associates may use only replicated websites provided by VOYAGER to promote their VOYAGER business, and may not create their own websites to directly or indirectly promote VOYAGER’s products or the VOYAGER opportunity.

3.3.2 – VOYAGER Replicated Websites
With payment of the Annual Renewable Web Fee, Associates receive a VOYAGER Replicated Website subscription to facilitate online buying for their customers and enrollments of new Associates. Associates are solely responsible and liable for the content they add to their Replicated Websites and must regularly review the content to ensure it is accurate and relevant.

Associates may not alter the branding, artwork, look, or feel of their Replicated Website, and may not use their Replicated Website to promote, market or sell non-VOYAGER products or business opportunities. Specifically, an Associate may not alter the look (placement, sizing etc.) or functionality of the following:

• The VOYAGER Independent Associate Logo
• The Associate’s Name
• VOYAGER Corporate Website Redirect Button
• Artwork, logos, or graphics
• Original text
• Because Replicated Websites reside on the www.VoyagerHealth.com domain, VOYAGER reserves the right to receive analytics and information regarding the usage of your website.
• By default, an Associate’s VOYAGER Replicated Website URL is xxxxxx.VoyagerHealth.com.The Associate must change this default ID and choose a uniquely identifiable website name that cannot
• Be confused with other portions of the VOYAGER corporate website
• Confuse a reasonable person into thinking they have landed on a VOYAGER corporate page
• Be confused with any VOYAGER Team name
• Contain any discourteous, misleading, or offcolor words or phrases that may damage VOYAGER’s image.

3.3.3 – Team Websites
Associates may use team websites for the purposes of connecting, communicating, training, education and sharing best practices among team members. Because these sites may contain sensitive and Company-specific information, these team websites must be password protected and may only be shared with members of the Associate’s Marketing Organization.

3.3.4 – Domain Names, email Addresses and Online Aliases
Associates shall not use or register “VOYAGER”, “VOYAGERHEALTH”, “VOYAGERHEALTHTECHNOLOGIES”, or any of VOYAGER’s trademarks, product names, or any derivative thereof, for any Internet domain name, email address, or online aliases. Additionally, an Associate cannot use or register domain names, email addresses, and/or online aliases that could cause confusion, or be misleading or deceptive, in that they cause individuals to believe or assume the communication is from, or is the property of VOYAGER. Examples of the improper use of VOYAGER’s marks or names include, but are not limited to: TeamVoyager.com or BuyV3.com or VOYAGER appearing up as the sender of an email.

3.3.5 – VOYAGER Hotlinks
When directing readers to a VOYAGER Replicated Website it must be evident from a combination of the link and the surrounding context, to a reasonable reader that the link will be resolving to the site of an independent VOYAGER Associate. Attempts to mislead web traffic into believing they are going to a VOYAGER corporate site, when in fact they land at an Associate’s site will not be allowed. The determination as to what is misleading or what constitutes a reasonable reader will be at VOYAGER’s sole discretion.

3.3.6 – Online Classifieds
Associates may not use online classifieds (including Craigslist) to list, sell or retail specific VOYAGER products or product bundles. Associates may use online classifieds (including Craigslist) for prospecting, recruiting, sponsoring and informing the public about the VOYAGER business opportunity, provided VOYAGER-approved templates/images are used and absolutely no income claims or representations are made. These templates will identify the Associate as an Independent VOYAGER Associate. If a link or URL is provided, it must link to the Associate’s Replicated Website.

3.3.7 – eBay / Online Auctions
VOYAGER’s products may not be listed on eBay or other online auctions, nor may Associates enlist or knowingly allow a third party to sell VOYAGER products on eBay or other online auction.

3.3.8 – Online Retailing
Associates may not list or sell VOYAGER products on any online retail store or ecommerce site, nor may an Associate enlist or knowingly allow a third party to sell VOYAGER products on any online retail store or ecommerce site.

3.3.9 – Banner Advertising
Associates may place banner advertisements on a website provided the Associate uses VOYAGER approved templates and images. All banner advertisements must link to an Associate’s Replicated Website. Associates may not use blind ads (ads that do not disclose the identity of the (Company) or web pages that make product or income claims that are ultimately associated with VOYAGER products or the VOYAGER opportunity.

3.3.10 – Spam Linking
Spam linking is defined as multiple consecutive submissions of the same or similar content into blogs, wikis, guest books, websites or other publicly accessible online discussion boards or forums and is not allowed. This includes blog spamming, blog comment spamming and/or spam dexing. Any comments that an Associate makes on blogs, forums, guest books etc. must be unique, informative and relevant.

3.3.11 – Digital Media Submission (YouTube, iTunes, PhotoBucket etc.)
Associates may upload, submit or publish VOYAGER-related video, audio or photo content that they develop and create so long as it aligns with VOYAGER values, contributes to the VOYAGER community greater good and is in compliance with these Policies and Procedures. All submissions must clearly identify the submitter as an Independent VOYAGER Associate in the content itself and in the content description tag, must comply with all copyright/legal requirements, and must state that the submitter is solely responsible for this content. Associates may not upload, submit or publish any content (video, audio, presentations or any computer files) received from VOYAGER or captured at official VOYAGER events or in buildings owned or operated by VOYAGER without prior written permission.

3.3.12 – Sponsored Links / Pay-Per-Click (PPC) Ads
Sponsored links or pay-per-click ads (PPC) are acceptable. The destination URL must be to the sponsoring Associate’s Replicated Website. The display URL must also be to the sponsoring Associate’s Replicated Website, and must not portray any URL that could lead the user to believe they are being directed to a VOYAGER Corporate site, or be inappropriate or misleading in any way.

3.3.13 – Social Media
Social Media may be used by Associates to share information about the VOYAGER opportunity and for prospecting and sponsoring. Social Media sites may not be used to sell or offer to sell specific VOYAGER products. Profiles an Associate generates in any social community where VOYAGER is discussed or mentioned must clearly identify the Associate as an Independent VOYAGER Associate, and when an Associate participates in those communities, Associates must avoid inappropriate conversations, comments, images, video, audio, applications or any other adult, profane, discriminatory or vulgar content. The determination of what is inappropriate is at VOYAGER’s sole discretion, and offending Associates will be subject to disciplinary action. Banner ads and images used on these sites must be current and must come from the VOYAGER approved library. If a link is provided, it must link to the posting Associate’s Replicated Website.

Associates may not use blog spam, spamdexing or any other mass-replicated methods to leave blog comments. Comments Associates create or leave must be useful, unique, relevant and specific to the blog’s article.

Associates who elect to use Social Media to promote their independent VOYAGER businesses must adhere to the Policies and Procedures in all respects the following Social Media rules:

Associates Are Responsible for Postings
Associates are personally responsible for their postings and all other online activity that relates to VOYAGER. Therefore, even if an Associate does not own or operate a blog or Social Media site, if an Associate posts to any such site that relates to VOYAGER or which can be traced to VOYAGER, the Associate is responsible for the posting. Associates are also responsible for postings which occur on any blog or Social Media site that the Associate owns, operates, or controls.

Identification as an Independent VOYAGER Associate
Associates must disclose their full names on all Social Media postings, and conspicuously identify themselves as independent VOYAGER Associates. Anonymous postings or use of an alias is prohibited.

Social Media as a Sales and Promotion Forum
Social Media sites are relationship-building sites. While building relationships is an important part of the sales process, Social Media sites may not be used as a direct medium for generating sales or explaining the VOYAGER income opportunity. Online sales may only be generated from an Associate’s VOYAGER Replicated Website. Likewise, Associates shall not use any Social Media site to explain the VOYAGER compensation plan or any component of the compensation plan.

Deceptive Postings
Postings that are false, misleading, or deceptive are prohibited. This includes, but is not limited to, false or deceptive postings relating to the VOYAGER income opportunity, VOYAGER’s products, and/or an Associate’s biographical information and credentials.

Use of Third Party Intellectual Property
If an Associate uses the trademarks, trade names, service marks, copyrights, or intellectual property of any third party in any posting, it is the Associate’s responsibility to ensure that he or she has received the proper license to use such intellectual property and pay the appropriate license fee. All third-party intellectual property must be properly referenced as the property of the third-party, and Associates must adhere to any restrictions and conditions that the owner of the intellectual property places on the use of its property.

Respecting Privacy
Associates must always respect the privacy of others in their postings. Associates must not engage in gossip or advance rumors about any individual, company, or competitive products or services. Associates may not list the names of other individuals or entities on their postings unless they have the written permission of the individual or entity that is the subject of their posting.

Professionalism
Associates must ensure that their postings are truthful and accurate. This requires that Associates fact-check all material they post online. Associates should also carefully check their postings for spelling, punctuation, and grammatical errors. Use of offensive language is prohibited.

Prohibited Postings
Associates may not make any postings, or link to any postings or other material that:

• Is sexually explicit, obscene, or pornographic
• Is offensive, profane, hateful, threatening, harmful, defamatory, libelous, harassing, or discriminatory (whether based on race, ethnicity, creed, religion, gender, sexual orientation, physical disability, or otherwise)
• Is graphically violent, including any violent video game images
• Is solicitous of any unlawful behavior
• Engages in personal attacks on any individual, group, or entity
• Is in violation of any intellectual property rights of the Company or any third party.

Responding to Negative Posts
Associates should not converse with anybody who places a negative post against the Associate, other independent Associates, or VOYAGER. Negative posts should be reported to the Company at AssociateServices@VoyagerHealth.com. Responding to such negative posts often simply fuels a discussion with someone carrying a grudge that does not hold themselves to the same high standards as VOYAGER, and therefore damages the reputation and goodwill of VOYAGER.

Social Media Sites with Website Like Features
Because some social media sites are particularly robust, the distinction between a social media site and a website may not be clear cut. VOYAGER therefore reserves the sole and exclusive right to classify certain social media sites as websites and require that Associates using, or who wish to use, such sites adhere to the Company’s policies relating to independent websites.

Cancellation of the Agreement
If an Associate’s VOYAGER Agreement is cancelled for any reason, the former Associate must discontinue using the VOYAGER name, and all of VOYAGER’s trademarks, trade names, service marks, and other intellectual property, and all derivatives of such marks and intellectual property, in any postings and all Social Media sites that the former Associate utilizes. If a former Associate posts on any Social Media site on which he or she previously identified himself or herself as an independent VOYAGER Associate, the former Associate must conspicuously disclose that he or she is no longer an independent VOYAGER Associate.

3.4 – Business Entities
A corporation, limited liability company (LLC), partnership or trust (collectively referred to in this section as a “Business Entity”) may apply to be a VOYAGER Associate by submitting an Associate Application and Agreement along with a properly completed Business Entity Registration Form. The Business Entity, as well as all shareholders, members, managers, partners, trustees, or other parties with any ownership interest in, or management responsibilities for, the Business Entity (collectively “Affiliated Parties”) are individually, jointly and severally liable for any indebtedness to VOYAGER, compliance with the VOYAGER Policies and Procedures, the VOYAGER Associate Agreement, and all other obligations to VOYAGER.

To prevent the circumvention of Sections 3.26 (regarding transfers and assignments of a VOYAGER business) and 3.5 (regarding Sponsorship Changes), if any Affiliated Party wants to terminate his or her relationship with the Business Entity or VOYAGER, the Affiliated Party must terminate his or her affiliation with the Business Entity, notify VOYAGER in writing that he or she has terminated his or her affiliation with the Business Entity, and must comply with the provisions of Section 3.26. In addition, the Affiliated Party foregoing his or her interest in the Business Entity may not participate in any other VOYAGER business for six consecutive calendar months in accordance with Section 3.5.3. If the Business
Entity wishes to bring on any new Affiliated Party, it must adhere to the requirements of Section 3.26. The modifications permitted within the scope of this Section do not include a change of sponsorship. Changes of sponsorship are addressed in Section 3.5, below. There is a $25.00 fee for each change requested, which must be included with the written request and the completed Associate Application and Agreement. VOYAGER may, at its discretion, require notarized documents before implementing any changes to a VOYAGER business. Please allow thirty (30) days after the receipt of the request by VOYAGER for processing.

3.4.1 – Changes to a Business Entity
Each Associate must immediately notify VOYAGER of all changes to type of business entity they utilize in operating their businesses and the addition or removal of business Affiliated Parties. A VOYAGER business may change its status under the same Sponsor from an individual to a Business Entity or from one type of Business Entity to another. There is a $25.00 fee for each change requested, which must be included with the written request and a new Associate Application and Agreement and Business Entity Registration Form.

3.5 – Change of Sponsor
VOYAGER strongly discourages changes in sponsorship. Accordingly, the transfer of a VOYAGER business from one Sponsor to another is rarely permitted. Requests for change of sponsorship must be submitted in writing to the Associate Services Department, and must include the reason for the transfer. Transfers will only be considered in the following three circumstances:

3.5.1 – Misplacement
In cases in which the new Associate is sponsored by someone other than the individual he or she was led to believe would be his or her Sponsor, an Associate may request that he or she be transferred to another organization with his or her entire Marketing Organization intact. Requests for transfer under this policy will be evaluated on a case-by-case basis and must be made within three days from the date of enrollment. The Associate requesting the change has the burden of proving that he or she was placed beneath the wrong sponsor. It is up to VOYAGER’s discretion whether the requested change will be implemented.

3.5.2 – Upline Approval
The Associate seeking to transfer submits a properly completed and fully executed Sponsorship Transfer Form which includes the written approval of all parties whose income will be affected by the transfer. Photocopied or facsimile signatures are not acceptable. All Associate signatures must be notarized. The Associate who requests the transfer must submit a fee of $150.00 for administrative charges and data processing. If the transferring Associate also wants to move any of the Associates in his or her Marketing Organization, each downline Associate must also obtain a properly completed Sponsorship Transfer Form and return it to VOYAGER with the $150.00 change fee (i.e., the transferring Associate and each Associate in his or her Marketing Organization multiplied by $150.00 is the cost to move a VOYAGER business.) Downline Associates will not be moved with the transferring Associate unless all of the requirements of this paragraph are met. Transferring Associates must allow thirty (30) days after the receipt of the Sponsorship Transfer Forms by VOYAGER for processing and verifying change requests.

3.5.3 – Cancellation and Re-application
An Associate may legitimately change organizations by voluntarily canceling his or her VOYAGER business and remaining inactive (i.e., no purchases of VOYAGER products for resale, no sales of VOYAGER products, no sponsoring, no attendance at any VOYAGER functions, no participation in any other form of Associate activity, no operation of any other VOYAGER business, and no income from the VOYAGER business) for six (6) full calendar months. Following the six month period of inactivity, the former Associate may reapply under a new Sponsor; however, the former Associate’s Marketing Organization will remain in the original line of sponsorship. VOYAGER will consider waiving the six month waiting period under exceptional circumstances. Such requests for waiver must be submitted to VOYAGER in writing.

3.6 – Waiver of Claims
In cases wherein the appropriate sponsorship change procedures have not been followed, and a downline organization has been developed in the second business developed by an Associate, VOYAGER reserves the sole and exclusive right to determine the final disposition of the downline organization. Resolving conflicts over the proper placement of a downline that has developed under an organization that has improperly switched sponsors is often extremely difficult. Therefore, ASSOCIATES WAIVE ANY AND ALL CLAIMS AGAINST VOYAGER, ITS OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, AND AGENTS THAT RELATE TO OR ARISE FROM VOYAGER’s DECISION REGARDING THE DISPOSITION OF ANY DOWNLINE ORGANIZATION THAT DEVELOPS BELOW AN ORGANIZATION THAT HAS IMPROPERLY CHANGED LINES OF SPONSORSHIP.

3.7 – Unauthorized Claims and Actions
3.7.1 – Indemnification
An Associate is fully responsible for all of his or her verbal and written statements made regarding VOYAGER products and the Compensation Plan which are not expressly contained in official VOYAGER materials. Associates agree to indemnify VOYAGER and VOYAGER’s directors, officers, employees, and agents, and hold them harmless from all liability including judgments, civil penalties, refunds, attorney fees, court costs, or lost business incurred by VOYAGER as a result of the Associate’s unauthorized representations or actions. This provision shall survive the termination of the Associate Agreement.

3.7.2 – Product Claims
No claims (which include personal testimonials) as to therapeutic, curative or beneficial properties of any products offered by VOYAGER may be made except those contained in official VOYAGER literature. In particular, no Associate may make any claim that VOYAGER products are useful in the cure, treatment, diagnosis, mitigation or prevention of any diseases.

3.7.3 – Income Claims
Because VOYAGER Associates do not have the data necessary to comply with the legal requirements for making income claims, an Associate, when presenting or discussing the VOYAGER opportunity or Compensation Plan to a prospective Associate, may not make income projections, income claims, or disclose his or her VOYAGER income (including, but not limited to, the showing of checks, copies of checks, bank statements, or tax records).

3.8 – Repackaging and Re-labeling Prohibited
VOYAGER products may only be sold in their original packaging. Associates may not repackage, re-label, or alter the labels on VOYAGER product. Tampering with labels/packaging could be a violation of federal and state laws, and may result in civil or criminal liability. Associates may affix a personalized sticker with the Associate’s personal/contact information to each product or product container, as long as this is done without removing existing labels or covering any text, graphics, or other material on the product label.

3.9 – Commercial Outlets
3.9.1 – Family Owned Businesses
We at VOYAGER understand that many Associates own and operate their own businesses, and that it may be very appropriate for that Associate to market the VOYAGER products to their customers. Hair Salons, small family-owned businesses of many types, doctors providing products to their patients, and countless other types of small wholly-owned family businesses will be allowed to market the VOYAGER products. A family sized retail establishment we define as having less than 4 locations. All marketing materials used to market the products in a small family-owned business must be only those materials provided by VOYAGER. The use of third party materials, in the display of the product, or the presentation of the business opportunity is strictly forbidden. Claims made in third party materials can incur liability upon VOYAGER when used in the presentation process.

3.9.2 – Large Retail and Distribution Companies
Associates may not sell VOYAGER products from a large commercial outlet, nor may Associates display or sell VOYAGER products or literature in any retail or service establishment through the utilization of the product(s) being put on retail shelves. The shelving of a product in a large regional or national store, and large retail outlets, such as Sam’s Club or Costco is prohibited. If you have any question as to whether VOYAGER considers the store to qualify, please assume it does not until you ask the Associate Services Department. Our goal is to prevent the marketing of VOYAGER products in such a way as to compete with the referral business model we are committed to protecting for the continuity of our Associate marketing team.

3.10 – Trade Shows, Expositions and Other Sales Forums
Associates may display and/or sell VOYAGER products at trade shows and professional expositions. Before submitting a deposit to the event promoter, Associates must contact the Associate Services Department in writing for conditional approval, as VOYAGER’s policy is to authorize only one VOYAGER business per event. Final approval will be granted to the first Associate who submits an official advertisement of the event, a copy of the contract signed by both the Associate and the event official, and a receipt indicating that a deposit for the booth has been paid. Approval is given only for the event specified. Any requests to participate in future events must again be submitted to the Associate Services Department. VOYAGER further reserves the right to refuse authorization to participate at any function which it does not deem a suitable forum for the promotion of its products or the VOYAGER opportunity. Approval will not be given for swap meets, garage sales, flea markets or farmer’s markets as these events are not conducive to the professional image VOYAGER wishes to portray.

3.11 – Conflicts of Interest
3.11.1 – Nonsolicitation
VOYAGER Associates are free to participate in other multilevel or network marketing business ventures or marketing opportunities (collectively “network marketing”). However, during the term of this Agreement, Associates may not directly or indirectly Recruit other VOYAGER Associates or Preferred Customers for any other network marketing business. Following the cancellation of an Associate’s independent Associate Agreement, and for a period of six calendar months thereafter, with the exception of those Associates and Preferred Customers who were personally sponsored by the former Associate, a former Associate may not Recruit any VOYAGER Associate or Preferred Customer for another network marketing business. Associates and the Company recognize that because network marketing is conducted through networks of independent contractors dispersed across the entire United States and internationally, and business is commonly conducted via the internet and telephone, an effort to narrowly limit the geographic scope of this non-solicitation provision would render it whollyineffective. Therefore, Associates and VOYAGER agree that this non-solicitation provision shall apply nationwide and to all international markets in which VOYAGER Associates are located.

The term “Recruit” means the actual or attempted sponsorship, solicitation, enrollment, encouragement, or effort to influence in any other way, either directly, indirectly, or through a third party, another VOYAGER Associate or Preferred Customer to enroll or participate in another multilevel marketing, network marketing or direct sales opportunity.

3.11.2 – Associate Participation in Other Direct Selling Programs
If an Associate is engaged in other non-VOYAGER direct selling programs, it is the responsibility of the Associate to ensure that his or her VOYAGER business is operated entirely separate and apart from any other program. To this end, the following must be adhered to:

• Associates must not sell, or attempt to sell, any competing non-VOYAGER products to VOYAGER Preferred Customers or Associates. Any product in the same generic categories as VOYAGER products is deemed to be competing, regardless of differences in cost, quality, ingredients, or other distinguishing factors.
• Associates shall not display VOYAGER promotional materials, sales aids, or products with or in the same location as any non-VOYAGER promotional materials, sales aids, products or services.
• Associates shall not offer the VOYAGER opportunity or products to prospective or existing Preferred Customers or Associates in conjunction with any non-VOYAGER program, opportunity, product or service.
• Associates may not offer any non-VOYAGER opportunity, products, services or opportunity at any VOYAGER-related meeting, seminar, convention, webinar, teleconference, or other function.

3.11.3 – Confidential Information
Confidential information includes, but is not limitedto, the identities of VOYAGER Preferred Customers and Associates, contact information of VOYAGER Preferred Customers and Associates, Associates’ personal and group volumes, and Associate rank and/or achievement levels. Confidential Information is, or may be available, to Associates in their respective back-offices. Associate access to such Confidential Information is password protected, is confidential, and constitutes proprietary information and business trade secrets belonging to VOYAGER. Such Confidential Information is provided to Associates in strictest confidence and is made available to Associates for the sole purpose of assisting Associates in working with their respective Marketing Organizations in the development of their VOYAGER business. Associates may use the Confidential Information to assist, motivate, and train their downline Associates, and for no other purpose. In so doing, an Associate may not disclose the Confidential Information to any third party, including, without limitation, his or her downline Associates. The Associate and VOYAGER agree that, but for this agreement of confidentiality and nondisclosure, VOYAGER would not provide Confidential Information to the Associate.

To protect the Confidential Information, an Associate shall not, on his or her own behalf, or on behalf of any other person, partnership, association, corporation or other entity:

• Directly or indirectly disclose any Confidential Information to any third party
• Directly or indirectly disclose the password or other access code to his or her back-office
• Use any Confidential Information to compete with VOYAGER or for any purpose other than promoting his or her VOYAGER business
• Recruit or solicit any Associate or Preferred Customer of VOYAGER listed on any report or in the Associate’s back-office, or in any manner attempt to influence or induce any Associate or Preferred Customer of VOYAGER, to alter their business relationship with VOYAGER.

3.12 – Targeting Other Direct Sellers
VOYAGER does not condone Associates specifically or consciously targeting the sales force of another direct sales company to sell VOYAGER products or to become Associates for VOYAGER, nor does VOYAGER condone Associates solicitation or enticement of members of the sales force of another direct sales company to violate the terms of their contract with such other company. Should Associates engage in such activity, they bear the risk of being sued by the other direct sales company. If any lawsuit, arbitration or mediation is brought against an Associate alleging that he or she engaged in inappropriate recruiting activity of its sales force or customers, VOYAGER will not pay any of Associate’s defense costs or legal fees, nor will VOYAGER indemnify the Associate for any judgment, award, or settlement.

3.13 – Errors or Questions
If an Associate has questions about or believes any errors have been made regarding commissions, bonuses, genealogy lists, or charges, the Associate must notify VOYAGER in writing within 60 days of the date of the purported error or incident in question. VOYAGER will not be responsible for any errors, omissions or problems not reported to the Company within 60 days.

3.14 – Governmental Approval or Endorsement
Neither federal nor state regulatory agencies or officials approve or endorse any direct selling or network marketing companies or programs. Therefore, Associates shall not represent or imply that VOYAGER or its Compensation Plan have been “approved,” “endorsed” or otherwise sanctioned by any government agency.

3.15 – Holding Applications or Orders
Associates must not manipulate enrollments of new applicants and purchases of products. All Associate Applications and Agreements, and product orders must be sent to VOYAGER within 72 hours from the time they are signed by an Associate or placed by a customer, respectively.

3.16 – Income Taxes
Each Associate is responsible for paying local, state and federal taxes on any income generated as an Independent Associate. If an Associate’s VOYAGER business is tax exempt, the Federal tax identification number must be provided to VOYAGER. Every year, VOYAGER will provide an IRS Form 1099 MISC (Non-employee Compensation) earnings statement to each U.S. resident who: 1) Had earnings of over $600 in the previous calendar year; or 2) Made purchases during the previous calendar year in excess of $5,000.

3.17 – Independent Contractor Status
Associates are independent contractors. The agreement between VOYAGER and its Associates does not create an employer/employee relationship, agency, partnership, or joint venture between the Company and the Associate. Associates shall not be treated as an employee for his or her services or for Federal or State tax purposes. All Associates are responsible for paying local, state, and federal taxes due from all compensation earned as an Associate of the Company. The Associate has no authority (expressed or implied), to bind the Company to any obligation. Each Associate shall establish his or her own goals, hours, and methods of sale, so long as he or she complies with the terms of the Associate Agreement, these Policies and Procedures, and applicable laws.

3.18 – Insurance
You may wish to arrange insurance coverage for your business. Your homeowner’s insurance policy does not cover business-related injuries or the theft of or damage to inventory or business equipment. Contact your insurance agent to make certain that your business property is protected. This can often be accomplished with a simple “Business Pursuit” endorsement attached to your present homeowner’s policy.

3.19 – International Marketing
Associates are authorized to sell VOYAGER products, and enroll Preferred Customers or Associates only in the countries in which VOYAGER is authorized to conduct business, as announced in official Company literature. VOYAGER products or sales aids may not be shipped into or sold in any foreign country. Associates may sell, give, transfer, or distribute VOYAGER products or sales aids only in their home country. In addition, no Associate may, in any unauthorized country: (a) conduct sales, enrollment or training meetings; (b) enroll or attempt to enroll potential Preferred Customers or Associates; or (c) conduct any other activity for the purpose of selling VOYAGER products, establishing a Marketing Organization, or promoting the VOYAGER opportunity.

3.20 – Excess Inventory and Bonus Buying
Associates must never purchase more products than they can reasonably use or sell to retail customers in a month, and must not influence or attempt to influence any other Associate to buy more products than they can reasonably use or sell to retail customers in a month. In addition, bonus buying is strictly prohibited. Bonus buying includes any mechanism or artifice to qualify for rank advancement, incentives, prizes, commissions or bonuses that is not driven by bona fide product purchases by end user consumers. Bonus buying includes, but is not limited to, purchasing products through a straw man or other artifice.

3.21 – Adherence to Laws and Ordinances
Associates shall comply with all federal, state, and local laws and regulations in the conduct of their businesses. Many cities and counties have laws regulating certain home-based businesses. In most cases these ordinances are not applicable to Associates because of the nature of their business. However, Associates must obey those laws that do apply to them. If a city or county official tells an Associate that an ordinance applies to him or her, the Associate shall be polite and cooperative, and immediately send a copy of the ordinance to the Compliance Department of VOYAGER.

3.22 – One VOYAGER Business Per Associate and Per Household
An Associate may operate or have an ownership interest, legal or equitable, as a sole proprietorship, partner, shareholder, trustee, or beneficiary, in only one VOYAGER business. No individual may have, operate or receive compensation from more than one VOYAGER business. Individuals of the same Household may not enter into or have an interest in more than one VOYAGER Business. A “Household” is defined as spouses and dependent children living at or doing business at the same address.

In order to maintain the integrity of the VOYAGER Compensation Plan, husbands and wives or common-law couples (collectively “spouses”) who wish to become VOYAGER Associates must be jointly sponsored as one VOYAGER business. Spouses, regardless of whether one or both are signatories to the Associate Application and Agreement, may not own or operate any other VOYAGER business, either individually or jointly, nor may they participate directly or indirectly (as a shareholder, partner, trustee, trust beneficiary, or have any other legal or equitable ownership) in the ownership or management of another VOYAGER business in any form.

An exception to the one business per Associate/ Household rule will be considered on a case by case basis. Requests for exceptions to policy must be submitted in writing to the Associate Services Department.

3.23 – Actions of Household Members or Affiliated Parties
If any member of an Associate’s immediate household engages in any activity which, if performed by the Associate, would violate any provision of the Agreement, such activity will be deemed a violation by the Associate and VOYAGER may take disciplinary action pursuant to these Policies and Procedures against the Associate. Similarly, if any individual associated in any way with a corporation, partnership, LLC, trust or other entity (collectively “Business Entity”) violates the Agreement, such action(s) will be deemed a violation by the Business Entity, and VOYAGER may take disciplinary action against the Business Entity. Likewise, if an Associate enrolls in VOYAGER as a Business Entity, each Affiliated Party of the Business Entity shall be personally and individually bound to, and must comply with, the terms and conditions of the Agreement.

3.24 – Requests for Records
Any request from an Associate for copies of invoices, applications, downline activity reports, or other records will require a fee of $1.00 per page per copy. This fee covers the expense of mailing and time required to research files and make copies of the records. VOYAGER will make every effort to supply these types of reports on the Associate’s Replicated Website Back Office to minimize the need for these requests.

3.25 – Roll-up of Marketing Organization
When a vacancy occurs in a Marketing Organization due to the termination of a VOYAGER business, each Associate in the first level immediately below the terminated Associate on the date of the cancellation will be moved to the first level (“front line”) of the terminated Associate’s sponsor. For example, if A sponsors B, and B sponsors C1, C2, and C3, if B terminates her business, C1, C2, and C3 will “roll-up” to A and become part of A’s first level.

3.26 – Sale, Transfer or Assignment of an Independent VOYAGER Business
Although a VOYAGER business is a privately owned and independently operated business, the sale, transfer or assignment of a VOYAGER business, and the sale, transfer, or assignment of an interest in a Business Entity that owns or operates a VOYAGER business, is subject to certain limitations. If an Associate wishes to sell his or her VOYAGER business, or interest in a Business Entity that owns or operates a VOYAGER business, the following criteria must be met:

• Protection of the existing line of sponsorship must always be maintained so that the VOYAGER business continues to be operated in that line of sponsorship.
• The buyer or transferee must become a qualified VOYAGER Associate. If the buyer is an active
  VOYAGER Associate, he or she must first terminate his or her VOYAGER business and wait six calendar months before acquiring any interest in a different VOYAGER business.
• Before the sale, transfer or assignment can be finalized and approved by VOYAGER, any debt obligations the selling party has with VOYAGER must be satisfied.
• The selling party must be in good standing and not in violation of any of the terms of the Agreement in order to be eligible to sell, transfer or assign a VOYAGER business.
• The business that is being sold must have achieved the Paid-As Rank of Executive Director (or higher) for a period of two consecutive pay periods prior to the date of the submission of the Sale/Transfer of VOYAGER Business form.

Prior to selling an independent VOYAGER business or Business Entity interest, the selling Associate must notify VOYAGER’s Associate Services Department of his or her intent to sell his or her VOYAGER business or Business Entity interest by submitting a Sale/Transfer of VOYAGER Business form together with the transfer fee of $150. The selling Associate must also receive written approval from the Associate Services Department before proceeding with the sale. No changes in line of sponsorship can result from the sale or transfer of a VOYAGER business.

3.27 – Separation of a VOYAGER Business
VOYAGER Associates sometimes operate their VOYAGER businesses as husband/wife partnerships, regular partnerships, LLCs, corporations, trusts, or other Business Entities. At such time as a marriage may end in divorce or a corporation, LLC, partnership, trust or other Business Entity may dissolve, arrangements must be made to assure that any separation or division of the business is accomplished so as not to adversely affect the interests and income of other businesses up or down the line of sponsorship.

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

• One of the parties may, with consent of the other(s), operate the VOYAGER business pursuant to an assignment in writing whereby the relinquishing spouse, shareholders, partners or trustees authorize VOYAGER to deal directly and solely with the other spouse or non-relinquishing shareholder, partner or trustee.
• The parties may continue to operate the VOYAGER business jointly on a “businessas- usual” basis, whereupon all compensation paid by VOYAGER will be paid according to the status quo as it existed prior to the divorce filing or dissolution proceedings. This is the default procedure if the parties do not agree on the format set forth above.
• Under no circumstances will the Marketing Organization of divorcing spouses or a dissolving business entity be divided. Similarly, under no circumstances will VOYAGER split commission and bonus checks between divorcing spouses or members of dissolving entities. VOYAGER will recognize only one Marketing Organization and will issue only one commission check per VOYAGER business per commission cycle. Commission checks shall always be issued to the same individual or entity. In the event that parties to a divorce or dissolution proceeding are unable to resolve a dispute over the disposition of commissions and ownership of the business in a timely fashion as determined by the Company, the Associate Agreement shall be involuntarily canceled.
• If a former spouse has completely relinquished all rights in the original VOYAGER business pursuant to a divorce, he or she is thereafter free to enroll under any sponsor of his or her choosing without waiting six calendar months. In the case of business entity dissolutions, the former partner, shareholder, member, or other entity affiliate who retains no interest in the business must wait six calendar months from the date of the final dissolution before re-enrolling as an Associate. In case, the former spouse or business affiliate shall have no rights to any Associates in their former Marketing Organization or to any former retail customer or Preferred Customer. They must develop the new business in the same manner as would any other new Associate.

3.28 – Sponsoring
All active Associates in good standing have the right to sponsor and enroll others into VOYAGER. Each prospective Associate has the ultimate right to choose his or her own Sponsor. If two Associates claim to be the Sponsor of the same new Associate the Company shall regard the first application received by the Company as controlling.

3.28.1 – Sponsoring Online
When sponsoring a new Associate through the online enrollment process, the Sponsor may assist the new applicant in filling out the enrollment materials. However, the applicant must personally review and agree to the online application and agreement, VOYAGER’s Policies and Procedures, and the VOYAGER Compensation Plan. The Sponsor may not fill out the online application and agreement on behalf of the applicant and agree to these materials on behalf of the applicant.

3.29 – Succession
Upon the death or incapacitation of an Associate, his or her business may be passed to his or her heirs. Appropriate legal documentation must be submitted to the Company to ensure the transfer is proper. Accordingly, an Associate should consult an attorney to assist him or her in the preparation of a will or other testamentary instrument. Whenever a VOYAGER business is transferred by a will or other testamentary process, the beneficiary acquires the right to collect all bonuses and commissions of the deceased Associate’s Marketing Organization provided the following qualifications are met. The successor(s) must:

• Execute an Associate Agreement
• Comply with terms and provisions of the Agreement
• Meet all of the qualifications for the deceased Associate’s status.

The devisee(s) must provide VOYAGER with an “address of record” to which all bonus and commission checks will be sent. If the business is bequeathed to joint devisees, they must form a business entity and acquire a Federal Taxpayer Identification Number. VOYAGER will issue all bonus and commission checks and one 1099 to the business entity.

3.29.1 – Transfer Upon Death of an Associate
To affect a testamentary transfer of a VOYAGER business, the executor of the estate must provide the following to VOYAGER: (1) an original death certificate; (2) certified letters testamentary or a letter of administration appointing an executor; and (3) written instructions from the authorized executor to VOYAGER specifying to whom the business and income should be transferred.

3.29.2 – Transfer Upon Incapacitation of an Associate
To effectuate a transfer of a VOYAGER business because of incapacity, the successor must provide the following to VOYAGER: (1) a notarized copy of an appointment as trustee; (2) a notarized copy of the trust document or other documentation establishing the trustee’s right to administer the VOYAGER business; and (3) a completed Associate Agreement executed by the trustee.

3.30 – Telemarketing Techniques
The Federal Trade Commission and the Federal Communications Commission each have laws that restrict telemarketing practices. Both federal agencies (as well as a number of states) have “do not call” regulations as part of their telemarketing laws. Although VOYAGER does not consider Associates to be “telemarketers” in the traditional sense of the word, these government regulations broadly define the term “telemarketer” and “telemarketing” so that your inadvertent action of calling someone whose telephone number is listed on the federal “do not call” registry could cause you to violate the law.

Moreover, these regulations must not be taken lightly, as they carry significant penalties.
Therefore, Associates must not engage in telemarketing in the operation of their VOYAGER businesses. The term “telemarketing” means the placing of one or more telephone calls to an individual or entity to induce the purchase of a VOYAGER product, or to recruit them for the VOYAGER opportunity. “Cold calls” made to prospective customers or Associates that promote either VOYAGER’s products or the VOYAGER opportunity constitute telemarketing and are prohibited. However, a telephone call(s) placed to a prospective customer or Associate (a “prospect”) is permissible under the following situations:

• If the Associate has an established business relationship with the prospect. An “established business relationship” is a relationship between an Associate and a prospect based on the prospect’s purchase, rental, or lease of goods or services from the Associate, or a financial transaction between the prospect and the Associate, within the eighteen (18) months immediately preceding the date of a telephone call to induce the prospect’s purchase of a product or service.
• In response to a prospect’s personal inquiry or application regarding a product or service offered by the Associate, within the three (3) months immediately preceding the date of such a call.
• If the Associate receives written and signed permission from the prospect authorizing the Associate to call. The authorization must specify the telephone number(s) which the Associate is authorized to call.
• If the prospect is a family member, a personal friend, or an acquaintance. An “acquaintance” is someone with whom an Associate has at least a recent first-hand relationship within the preceding three months. Bear in mind, however, that if an Associate engages in “card collecting” with everyone the Associate meets and subsequently calling them, the FTC may consider this a form of telemarketing that is not subject to this exemption. Thus, if an Associate engages in calling “acquaintances,” the Associate must make such calls on an occasional basis only and not make this a routine practice.

Associates shall not use automatic telephone dialing systems or software relative to the operation of their VOYAGER businesses. Nor may Associates place or initiate any outbound telephone call to any person that delivers any pre-recorded message (a “robocall”) regarding the VOYAGER products or opportunity.

3.31 – Back Office Access
VOYAGER makes online back offices available to its Associates. Back offices provide Associates access to confidential and proprietary information that may be used solely and exclusively to promote the development of an Associate’s VOYAGER business and to increase sales of VOYAGER products. However, access to a back office is a privilege, and not a right. VOYAGER reserves the right to deny Associates’ access to the back office at its sole discretion.

SECTION 4 – RESPONSIBILITIES OF ASSOCIATES
4.1 – Change of Contact Information
To ensure timely delivery of products, support materials, commissions, and tax documents, it is important that the VOYAGER’s files are current. Street addresses are required for shipping. Associates planning to change any of their contact information or move must update their contact information via the Back Office function of the Associate’s replicated VOYAGER website or send their new contact information to VOYAGER’s Corporate Offices to the attention of the Associate Services Department. To guarantee proper delivery, two weeks advance notice must be provided to VOYAGER on all changes.

4.2 – Continuing Development Obligations
4.2.1 – Ongoing Training
Any Associate who sponsors another Associate into VOYAGER must perform a bona fide assistance and training function to ensure that his or her downline is properly operating his or her VOYAGER business. Associates must have ongoing contact and communication with the Associates in their Marketing Organizations. Examples of such contact and communication may include, but are not limited to: newsletters, written correspondence, personal meetings, telephone contact, voice mail, electronic mail, and the accompaniment of downline Associates to VOYAGER meetings, training sessions, and other functions. Upline Associates are also responsible to motivate and train new Associates in VOYAGER product knowledge, effective sales techniques, the VOYAGER Compensation Plan, and compliance with Company Policies and Procedures. Communication with and the training of downline Associates must not, however, violate Sections 3.1, 3.2, and/or 3.3 (regarding the development of Associate-produced sales aids and promotional materials).

Associates should monitor the Associates in their Marketing Organizations to guard against downline Associates making improper product or business claims, or engaging in any illegal or inappropriate conduct.

4.2.2 – Increased Training Responsibilities
As Associates progress through the various levels of leadership, they will become more experienced in sales techniques, product knowledge, and understanding of the VOYAGER program. They will be called upon to share this knowledge with lesser experienced Associates within their Marketing Organization.

4.2.3 – Ongoing Sales Responsibilities
Regardless of their level of achievement, Associates have an ongoing obligation to continue to personally promote sales through the generation of new customers and through servicing their existing customers.

4.3 – Nondisparagement
VOYAGER values constructive criticisms and comments from Associates. All such comments should be submitted in writing to the Associate Services Department. While VOYAGER welcomes constructive input, negative comments and remarks made in the field by Associates about the Company, its products, or Compensation Plan serve no purpose other than to sour the enthusiasm of other VOYAGER Associates. For this reason, and to set the proper example for their Marketing Organizations, Associates must not disparage, demean, or make negative remarks about VOYAGER, other VOYAGER Associates, VOYAGER’s products, the Compensation Plan, or VOYAGER’s directors, officers, or employees.

4.4 – Providing Documentation to Applicants
Associates must provide the most current version of the Policies and Procedures and the Compensation Plan to individuals whom they are sponsoring to become Associates before the applicant signs an Associate Agreement, or ensure that such individuals have online access to these materials. Additional copies of Policies and Procedures and the Compensation Plan can be downloaded from VOYAGER’s website.

SECTION 5 – SALES REQUIREMENTS
5.1 – Product Sales
The VOYAGER Compensation Plan is based on the sale of VOYAGER products to end consumers. Associates must fulfill Personal and Group Volume requirements (as well as meet other responsibilities set forth in the Agreement) to be eligible for bonuses, commissions and advancement to higher levels of achievement. In order to be eligible for commissions and bonuses, Associates must satisfy the Personal Volume and Group Volume requirements associated with their rank as specified in the VOYAGER Compensation Plan. “Personal Volume” includes purchases made by the Associate and purchases made by the Associate’s personal customers. Group Volume shall include the total Personal Volume of all Associates in his or her Marketing Organization, but shall not include the Associate’s Personal Volume.

5.2 – No Territory Restrictions
There are no exclusive territories granted to anyone.

5.3 – Sales Receipts
All Associates must provide their retail customers with a copy of an official VOYAGER sales receipt at the time of the sale. These receipts set forth the Customer Satisfaction Guarantee as well as any consumer protection rights afforded by federal or state law. Associates must maintain all retail sales receipts for a period of two years and furnish them to VOYAGER at the Company’s request. Records documenting the purchases of Associates’ Preferred Customers will be maintained by VOYAGER.

Remember that customers must receive a copy of the sales receipt. In addition, Associates must orally inform the buyer of his or her cancellation rights.

SECTION 6 – BONUSES AND COMMISSIONS
6.1 – Bonus and Commission Qualifications and Accrual
An Associate must be active and in compliance with the Agreement to qualify for bonuses and commissions. So long as an Associate complies with the terms of the Agreement, VOYAGER shall pay commissions to such Associate in accordance with the Compensation Plan. The minimum amount for which VOYAGER will issue a commission is $20.00. If an Associate’s bonuses and commissions do not equal or exceed $20.00, the Company will accrue the commissions and bonuses until they total $20.00. Payment will be issued once $20.00 has been accrued.

Notwithstanding the foregoing, all commissions, bonuses or other compensation owed an Associate, regardless of the amount accrued, will be paid at the end of each fiscal year or upon the termination of an Associate’s Associate Agreement.

6.2 – Adjustment to Bonuses and Commissions
6.2.1 – Adjustments for Returned Products
Associates receive bonuses and commissions based on the actual sales of VOYAGER products to end consumers. When a product is returned to VOYAGER for a refund, the bonuses and commissions attributable to the returned or repurchased product will be deducted, in the month in which the refund is given, and continuing every pay period thereafter until the bonuses and commissions are recovered, from the Associates who received bonuses and commissions on the sales of the refunded product.

6.2.2 – Hard Copy Bonus and Commission Checks
The Company pays commissions and bonuses via direct deposit into Associates’ bank accounts or via direct payment onto a Company provided debit card. There is no charge for direct deposits. An Associate may request payment by hard-copy check. In that event, the Company will deduct a $5.00 processing fee from each hard-copy check issued to the Associate.

6.3 – Reports
All information provided by VOYAGER in downline activity reports, including but not limited to personal and group volume (or any part thereof), and downline sponsoring activity is believed to be accurate and reliable. Nevertheless, due to various factors including but not limited to the inherent possibility of human, digital, and mechanical error; the accuracy, completeness, and timeliness of orders; denial of credit card and electronic check payments; returned products; credit card and electronic check charge backs; the information is not guaranteed by VOYAGER or any persons creating or transmitting the information.

ALL PERSONAL AND GROUP VOLUME INFORMATION IS PROVIDED “AS IS” WITHOUT WARRANTIES, EXPRESS OR IMPLIED, OR REPRESENTATIONS OF ANY KIND WHATSOEVER. IN PARTICULAR BUT WITHOUT LIMITATION THERE SHALL BE NO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE, OR NON‑INFRINGEMENT. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, VOYAGER AND/OR OTHER PERSONS CREATING OR TRANSMITTING THE INFORMATION WILL IN NO EVENT BE LIABLE TO ANY ASSOCIATE OR ANYONE ELSE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES THAT ARISE OUT OF THE USE OF OR ACCESS TO PERSONAL AND/ OR GROUP VOLUME INFORMATION (INCLUDING BUT NOT LIMITED TO LOST PROFITS, BONUSES, OR COMMISSIONS, LOSS OF OPPORTUNITY, AND DAMAGES THAT MAY RESULT FROM INACCURACY, INCOMPLETENESS, INCONVENIENCE, DELAY, OR LOSS OF THE USE OF THE INFORMATION), EVEN IF VOYAGER OR OTHER PERSONS CREATING OR TRANSMITTING THE INFORMATION SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, VOYAGER OR OTHER PERSONS CREATING OR TRANSMITTING THE INFORMATION SHALL HAVE NO RESPONSIBILITY OR LIABILITY TO YOU OR ANYONE ELSE UNDER ANY TORT, CONTRACT, NEGLIGENCE, STRICT LIABILITY, PRODUCTS LIABILITY OR OTHER THEORY WITH RESPECT TO ANY SUBJECT MATTER OF THIS AGREEMENT OR TERMS AND CONDITIONS RELATED THERETO.

Access to and use of VOYAGER’s online and telephone reporting services and your reliance upon such information is at your own risk. All such information is provided to you “as is”. If you are dissatisfied with the accuracy or quality of the information, your sole and exclusive remedy is to discontinue use of and access to VOYAGER’s online and telephone reporting services and your reliance upon the information.

SECTION 7 – PRODUCT GUARANTEES, RETURNS AND INVENTORY REPURCHASE
7.1 – Product Guarantee
VOYAGER offers a 100% 30-day money-back satisfaction guarantee (less shipping charges) to all Preferred Customers, retail customers, and Associates. If an Associate returns merchandise exceeding $220 for a refund in any 12 consecutive month period, the request will constitute the Associate’s voluntary cancellation of his or her Associate Agreement, and the refund will be processed as an inventory repurchase pursuant to Section 7.3.

7.2 – Returns by Retail Customers
A retail customer is a customer who purchases VOYAGER products from an Associate’s inventory. VOYAGER offers, through its Associates, a 100% 30-day money-back guarantee to all retail customers. Every Associate is bound to honor the retail customer guarantee. If, for any reason, a retail customer is dissatisfied with any VOYAGER product, the retail customer may return the unused portion of the product to the Associate from whom it was purchased, within 30 days, for a replacement, exchange or a full refund of the purchase price (less shipping costs).

The following provision sets forth the minimum refund permitted by law to a retail customer:

A retail customer who makes a purchase of $25.00 or more has three business days (72 hours, excluding Sundays and legal holidays) after the sale or execution of a contract to cancel the order and receive a full refund consistent with the cancellation notice on the order form or sales receipt (5 days for Alaska residents). When an Associate makes a sale or takes an order from a retail customer who cancels or requests a refund within the 72 hour period, the Associate must promptly refund the customer’s money as long as the products are returned to the Associate in substantially as good condition as when received (5 days for Alaska residents). Associates must orally inform customers of their right to rescind a purchase or an order within 72 hours (5 days for Alaska residents), and ensure that the date of the order or purchase is entered on the order form. All retail customers must be provided with a copy of an official VOYAGER sales receipt at the time of the sale. The back of the receipt provides the customer with written notice of his or her rights to cancel the sales agreement.

7.3 – Return of Inventory and Sales Aids by
Associates Upon Cancellation Upon cancellation of an Associate’s Agreement, the Associate may return products and sales aids for a refund. In order to receive a refund from VOYAGER pursuant to this policy, the following requirements must be met:

• The items being returned must have been personally purchased by the Associate from VOYAGER (purchases from other Associates or third parties are not subject to refund)
• The items must be in Resalable condition (see Definition of “Resalable” below)
• The items must have been purchased from VOYAGER within one year prior to the date of cancellation.

Upon receipt of Resalable products and sales aids, the Associate will be reimbursed 90% of the net cost of the original purchase price(s). Shipping charges incurred by an Associate when the products or sales aids were purchased will not be refunded. If the purchases were made through a credit card, the refund will be credited back to the same account. If an Associate was paid a bonus or commission based on a product(s) that he or she purchased, and such product(s) is subsequently returned for a refund, the bonus and/or commissions that were paid to the Associate based on that product purchase will be deducted from the amount of the refund.

Products and Sales aids shall be deemed “Resalable” if each of the following elements is satisfied: 1) they are unopened and unused; 2) packaging and labeling has not been altered or damaged; 3) they are in a condition such that it is a commercially reasonable practice within the trade to sell the merchandise at full price; and 4) they are returned to VOYAGER within one year from the date of purchase. Any merchandise that is clearly identified at the time of sale as nonreturnable, discontinued, or as a seasonal item, shall not be Resalable.

7.3.1 – Montana Residents
A Montana resident may cancel his or her Associate Agreement within 15 days from the date of enrollment and receive a full refund of the Annual Renewable Web fee paid at enrollment.

7.4 – Procedures for All Returns
The following procedures apply to all returns for refund, repurchase, or exchange:

• All merchandise must be returned by the Associate or customer who purchased it directly from VOYAGER.
• All products to be returned must have a Return Authorization Number which is obtained by calling the Associate Services Department. This Return Authorization Number must be written on each carton returned.
• The return is accompanied by the original packing slip, a completed and signed Product Return Form, and the unused portion of the product in its original container.
• Proper shipping carton(s) and packing materials are to be used in packaging the product(s) being returned for replacement, and the best and most economical means of shipping is suggested. All returns must be shipped to VOYAGER shipping pre-paid. VOYAGER does not accept shipping-collect packages. The risk of loss in shipping for returned product shall be on the Associate. If returned product is not received by the Company’s Distribution Center, it is the responsibility of the Associate to trace the shipment.
• If an Associate is returning merchandise to VOYAGER that was returned to him or her by a personal retail customer, the product must be received by VOYAGER within ten (10) days from the date on which the retail customer returned the merchandise to the Associate, and must be accompanied by the sales receipt the Associate gave to the customer at the time of the sale.

No refund or replacement of product will be made if the conditions of these rules are not met.

SECTION 8 – DISPUTE RESOLUTION AND DISCIPLINARY PROCEEDINGS
8.1 – Disciplinary Sanctions
Violation of the Agreement, these Policies and Procedures, violation of any common law duty, including but not limited to any applicable duty of loyalty, any illegal, fraudulent, deceptive or unethical business conduct, or any act or omission by an Associate that, in the sole discretion of the Company may damage its reputation or goodwill (such damaging act or omission need not be related to the Associate’s VOYAGER business), may result, at VOYAGER’s discretion, in one or more of the following corrective measures:

• Issuance of a written warning or admonition
• Requiring the Associate to take immediate corrective measures
• Imposition of a fine, which may be withheld from bonus and commission checks
• Loss of rights to one or more bonus and commission checks
• VOYAGER may withhold from an Associate all or part of the Associate’s bonuses and commissions during the period that VOYAGER is investigating any conduct allegedly violative of the Agreement. If an Associate’s business is canceled for disciplinary reasons, the Associate will not be entitled to recover any commissions withheld during the investigation period
• Suspension of the individual’s Associate Agreement for one or more pay periods
• Involuntary termination of the offender’s Associate Agreement
• Suspension and/or termination of the offending Associate’s VOYAGER website or website access
• Any other measure expressly allowed within any provision of the Agreement or which VOYAGER deems practicable to implement and appropriate to equitably resolve injuries caused partially or exclusively by the Associate’s policy violation or contractual breach.

In situations deemed appropriate by VOYAGER, the Company may institute legal proceedings for monetary and/or equitable relief.

8.2 – Grievances and Complaints
When an Associate has a grievance or complaint with another Associate regarding any practice or conduct in relationship to their respective VOYAGER businesses, the complaining Associate should first report the problem to his or her Sponsor who should review the matter and try to resolve it with the other party’s upline sponsor. If the matter involves interpretation or violation of Company policy, it must be reported in writing to the Associate Services Department at the Company. The Associate Services Department will review the facts and resolve it.

8.3 – Mediation
Prior to instituting an arbitration as provided in Section 8.4 below, the parties shall meet in good faith and attempt to resolve any dispute arising from or relating to the Agreement through non-binding mediation. One individual who is mutually acceptable to the parties shall be appointed as mediator. The mediation shall occur within 60 days from the date on which the mediator is appointed. The mediator’s fees and costs, as well as the costs of holding and conducting the mediation, shall be divided equally between the parties. Each party shall pay its portion of the anticipated shared fees and costs at least 10 days in advance of the mediation. Each party shall pay its own attorneys fees, costs, and individual expenses associated with conducting and attending the mediation. Mediation shall be held in Las Vegas, Nevada and shall last no more than two business days.

8.4 – Arbitration
If mediation is unsuccessful, any controversy or claim arising out of or relating to the Agreement, or the breach thereof, shall be settled by arbitration. The Parties waive all rights to trial by jury or to any court. The arbitration shall be filed with, and administered by, the American Arbitration Association (“AAA”) in accordance with the AAA’s Commercial Arbitration Rules and Mediation Procedures, which are available at the AAA’s website at www.adr.org. Copies of the AAA’s Commercial Arbitration Rules and Mediation Procedures will also be emailed to Distributors upon request to VOYAGER’s Associate Support Department. Notwithstanding the rules of the AAA, the following shall apply to all Arbitration actions:

• The Federal Rules of Evidence shall apply in all cases
• The parties shall be entitled to all discovery rights permitted by the Federal Rules of Civil Procedure
• The parties shall be entitled to bring motions under Rules 12 and/or 56 of the Federal Rules of Civil Procedure
• The arbitration shall occur within 180 days from the date on which the arbitrator is appointed, and shall last no more than five business days
• The parties shall be allotted equal time to present their respective cases, including cross-examination.

All arbitration proceedings shall be held in Las Vegas, Nevada. There shall be one arbitrator selected from the panel that the Alternate Dispute Resolution service provides. Each party to the arbitration shall be responsible for its own costs and expenses of arbitration, including legal and filing fees. The decision of the arbitrator shall be final and binding on the parties and may, if necessary, be reduced to a judgment in any court of competent jurisdiction. This agreement to arbitrate shall survive the cancellation or termination of the Agreement.

The parties and the arbitrator shall maintain the confidentiality of the entire arbitration process and shall not disclose to any person not directly involved in the arbitration process:

• The substance of, or basis for, the controversy, dispute, or claim
• The content of any testimony or other evidence presented at an arbitration hearing or obtained through discovery in arbitration
• The terms or amount of any arbitration award
• The rulings of the arbitrator on the procedural and/or substantive issues involved in the case.

Notwithstanding the foregoing, nothing in these Policies and Procedures shall prevent either party from applying to and obtaining from any court to which the parties have consented to jurisdiction as set forth in Distributor Agreement Terms and Conditions a temporary restraining order, preliminary or permanent injunction, or other equitable relief available to safeguard and protect its trade secret and intellectual property rights, including but not limited to enforcement of its rights under the nonsolicitation provision of the Agreement.

8.5 – Governing Law, Jurisdiction and Venue
Jurisdiction and venue of any matter not subject to arbitration shall reside exclusively in Clark County, State of Nevada. The Federal Arbitration Act shall govern all matters relating to arbitration. The law of the State of Nevada shall govern all other matters relating to or arising from the Agreement.

8.5.1 – Louisiana Residents
Notwithstanding the foregoing, and the mediation and arbitration provisions in Sections 8.3 and 8.4, residents of the State of Louisiana shall be entitled to bring an action against VOYAGER in their home forum and pursuant to Louisiana law.

SECTION 9 – PAYMENT
9.1 – Returned Checks
All checks returned by an Associate’s bank for insufficient funds will be re-submitted for payment. A $25.00 returned check fee will be charged to the account of the Associate. After receiving a returned check from a customer or an Associate, all future orders must be paid by Credit Card, money order or cashier’s check. Any outstanding balance owed to VOYAGER by an Associate for NSF checks and returned check fees will be withheld from subsequent bonus and commission checks.

9.2 – Restrictions on Third Party Use of Credit Cards and Checking Account Access
An Associate shall not permit other Associates or customers to use his or her credit card, or permit debits to his or her checking accounts, to enroll or to make purchases from the Company.

9.3 – Sales Taxes
VOYAGER is required to charge sales taxes on all purchases made by Associates and Preferred Customers, and remit the taxes charged to the respective states. Accordingly, VOYAGER will collect and remit sales taxes on behalf of Associates, based on the wholesale price of the products, according to applicable tax rates in the state or province to which the shipment is destined. If an Associate has submitted, and VOYAGER has accepted, a current Sales Tax Exemption Certificate and Sales Tax Registration License, sales taxes will not be added to the invoice and the responsibility of collecting and remitting sales taxes to the appropriate authorities shall be on the Associate. Exemption from the payment of sales tax is applicable only to orders which are shipped to a state for which the proper tax exemption papers have been filed and accepted. Applicable sales taxes will be charged on orders that are drop-shipped to another state. Any sales tax exemption accepted by VOYAGER is not retroactive.

SECTION 10 – INACTIVITY, RECLASSIFICATION, AND CANCELLATION
10.1 – Effect of Cancellation
So long as an Associate remains active and complies with the terms of the Associate Agreement and these Policies and Procedures, VOYAGER shall pay commissions to such Associate in accordance with the Compensation Plan. An Associate’s bonuses and commissions constitute the entire consideration for the Associate’s efforts in generating sales and all activities related to generating sales (including building a Marketing Organization). Following an Associate’s non-renewal of his or her Associate Agreement, cancellation for inactivity, or voluntary or involuntary cancellation of his or her Associate Agreement (all of these methods are collectively referred to as “cancellation”), the former Associate shall have no right, title, claim or interest to the Marketing Organization which he or she operated, or any commission or bonus from the sales generated by the organization. An Associate whose business is cancelled will lose all rights as an Associate. This includes the right to sell VOYAGER products and services and the right to receive future commissions, bonuses, or other income resulting from the sales and other activities of the Associate’s former Marketing Organization. In the event of cancellation, Associates agree to waive all rights they may have, including but not limited to property rights, to their former Marketing Organization and to any bonuses, commissions or other remuneration derived from the sales and other activities of his or her former Marketing Organization.

Following an Associate’s cancellation of his or her Associate Agreement, the former Associate shall not hold himself or herself out as a VOYAGER Associate and shall not have the right to sell VOYAGER products or services. An Associate whose Associate Agreement is canceled shall receive commissions and bonuses only for the last full pay period he or she was active prior to cancellation (less any amounts withheld during an investigation preceding an involuntary cancellation).

10.2 – Cancellation Due to Inactivity
10.2.1 – Failure to Meet Personal Volume (PV) Quota
If an Associate fails to personally generate at least 40 PV during one month of the preceding 12 consecutive months, the Associate Agreement shall be canceled for inactivity.

10.2.2 – Reclassification Following Cancellation Due to Inactivity
If an Associate’s Agreement is cancelled due to inactivity and he or she is on the Company’s Associate Auto-Ship program, the Auto-Ship Agreement shall remain in force and the former Associate shall be reclassified as a Preferred Customer. Such former Associate will be entitled to continue purchasing products directly from the company at the discounted Preferred Customer prices. There is no charge for such a former Associate to re-enroll as an Associate if he or she does so within six months of the date of cancellation due to inactivity.

10.3 – Involuntary Cancellation
An Associate’s violation of any of the terms of the Agreement, including any amendments that may be made by VOYAGER in its sole discretion, may result in any of the sanctions listed in Section 8.1, including the involuntary cancellation of his or her Associate Agreement. Cancellation shall be effective on the date on which written notice is mailed, emailed, faxed, or delivered to an express courier, to the Associate’s last known address, email address, or fax number, or to his or her attorney, or when the Associate receives actual notice of cancellation, whichever occurs first.

VOYAGER reserves the right to terminate all Associate Agreements upon thirty (30) days written notice in the event that it elects to: (1) cease business operations; (2) dissolve as a corporate entity; or (3) terminate distribution of its products via direct selling.

10.4 – Voluntary Cancellation
A participant in this network marketing plan has a right to cancel at any time, regardless of reason. Cancellation must be submitted in writing to the Company at its principal business address. The written notice must include the Associate’s signature, printed name, address, and Associate I.D. Number.

In addition to written cancellation, Associates who have consented to Electronic Contracting will cancel their Associate Agreement should they withdraw their consent to contract electronically.

If an Associate is on the Company’s Associate Auto- Ship program, the Associate’s Auto-Ship Agreement shall continue in force and the former Associate shall be reclassified as a Preferred Customer, unless the Associate also specifically requests that his or her Auto-Ship Agreement also be canceled.

10.5 – Non-renewal
An Associate may also voluntarily cancel his or her Associate Agreement by failing to renew the Agreement on its anniversary date. The Company may also elect not to renew an Associate’s Agreement upon its anniversary date.

10.6 – Credit Card Chargebacks
If an Associate contacts his or her credit card company and attempts to charge back any product purchase from the Company, such action shall be deemed a voluntary cancellation of the Associate Agreement by the Associate. If the Associate also has an Auto-Ship Agreement with VOYAGER, the charge back shall also be deemed the voluntary cancellation of the Associate’s AutoShip Agreement. Similarly, if a Preferred Customer contacts his or her credit card company and attempts to charge back a purchase made by credit card, such action will be deemed the voluntary cancellation of the Preferred Customer Purchase Agreement.

SECTION 11 – DEFINITIONS
Active Rank — The term “active rank” refers to the current rank of an Associate, as determined by the VOYAGER Compensation Plan, for any pay period. To be considered “active” relative to a particular rank, an Associate must meet the criteria set forth in the VOYAGER Compensation Plan for his or her respective rank. (See the definition of “Rank” below.)

Affiliated Party — A shareholder, member, partner, manager, trustee, or other parties with any ownership interest in, or management responsibilities for, a Business Entity.

Agreement — The contract between the Company and each Associate includes the Associate Application and Agreement, the VOYAGER Policies and Procedures, the VOYAGER Compensation Plan, and the Business Entity Registration Form (where appropriate), all in their current form and as amended by VOYAGER in its sole discretion. These documents are collectively referred to as the “Agreement.”

Cancel — The termination of an Associate’s business. Cancellation may be either voluntary, involuntary, through non-renewal or inactivity.

Customer — As used herein the term “customer” refers collectively to Preferred Customers and Retail Customers. (See the definitions of “Preferred Customer” and “Retail Customer” below). Downline Leg — Each one of the individuals enrolled immediately underneath you and their respective Marketing Organizations represents one “downline leg” or “leg” in your Marketing Organization.

Group Volume — The commissionable value of VOYAGER products sold by an Associate’s Marketing Organization. Group Volume does not include the Personal Volume of the subject Associate. Sales aids have no Sales Volume.

Household — Spouses, heads-of-household, and dependent family members residing in the same residence.

Immediate Household — Spouses, heads-ofhousehold, and dependent family members residing in the same residence.

Level — The layers of downline Preferred Customers and Associates in a particular Associate’s Marketing Organization. This term refers to the relationship of an Associate relative to a particular upline Associate, determined by the number of Associates between them who are related by sponsorship. For example, if A sponsors B, who sponsors C, who sponsors D, who sponsors E, then E is on A’s fourth level.

Marketing Organization — All Associates sponsored below a particular Associate.

Official VOYAGER Material — Literature, audio or video tapes, websites, and other materials developed, printed, published and/or distributed by VOYAGER to Associates.

Paid-As Rank — The term “Paid-As Rank” refers to the current rank of an Associate, as determined by the VOYAGER Compensation Plan, for any pay period. (See the definition of “Rank” below.)

Personal Production — Moving VOYAGER products to an end consumer for actual use.

Personal Volume (PV) — The commissionable value of VOYAGER products purchased by: (1) an Associate; and (2) the Associate’s personal customers who are on the AutoShip program (Preferred Customers) or who purchase from the Associate’s VOYAGER replicated website.

Preferred Customer — A customer who is enrolled in the VOYAGER AutoShip program for the automatic monthly purchase of VOYAGER products.

Qualified Associate — An Associate who has generated at least 40 PV in sales in at least one month during a rolling 12 month period.

Rank — The “title” that an Associate holds pursuant to the VOYAGER Compensation Plan. “Title Rank” refers to the highest rank an Associate has achieved in the VOYAGER compensation plan at any time. “Paid-As Rank” refers to the rank at which an Associate is qualified to earn commissions and bonuses during the current pay period.

Recruit — For purposes of VOYAGER’s Conflict of Interest Policy (Section 3.11), the term “Recruit” means the actual or attempted sponsorship, solicitation, enrollment, encouragement, or effort to influence in any other way, either directly, indirectly, or through a third party, another VOYAGER Associate or Preferred Customer to enroll or participate in another multilevel marketing, network marketing or direct sales opportunity.

Replicated Website — A website provided by VOYAGER to Associates which utilizes website templates developed by VOYAGER. There is an Annual Renewable Web Fee that must be paid for the Replicated Website.

Resalable — Products and Sales aids shall be deemed “Resalable” if each of the following elements is satisfied: 1) they are unopened and unused; 2) packaging and labeling has not been altered or damaged; 3) they are in a condition such that it is a commercially reasonable practice within the trade to sell the merchandise at full price; and 4) they are returned to VOYAGER within one year from the date of purchase. Any merchandise that is clearly identified at the time of sale as nonreturnable, discontinued, or as a seasonal item, shall not be Resalable.

Retail Customer — An individual or entity that purchases VOYAGER products from an Associate, but who is not an Associate, or an immediate household family member of an Associate.

Retail Sales — Sales to Retail Customers and Preferred Customers. An Associate’s personal purchases from VOYAGER are not Retail Sales. Roll-Up — The method by which a vacancy in a Marketing Organization left by an Associate whose Associate Agreement has been canceled is filled. Social Media — Any type of online media that invites, expedites or permits conversation, comment, rating, and/or user generated content, as opposed to traditional media, which delivers content but does not allow readers/viewers/listeners to participate in the creation or development of content, or the comment or response to content. Examples of Social Media include, but are not limited to, blogs, FaceBook, MySpace, Twitter, LinkedIn, Delicious, and YouTube.

Sponsor — An Associate who enrolls a Preferred Customer or another Associate into the Company, and is listed as the Sponsor on the Associate Application and Agreement. The act of enrolling others and training them to become Associates is called “sponsoring.”

Upline — This term refers to the Associate or Associates above a particular Associate in a sponsorship line up to the Company. Conversely stated, it is the line of sponsors that links any particular Associate to the Company.

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