Club BizsSmart. To Be A Successful Affiliate Of Our Flagship Miracle Moringa Product Requires 3 THINGS:

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1 Club BizsSmart Marketing Plan v SECTION 1: INTRODUCTION Miracle Tree Of Life! Congratulations! You have made the right choice by becoming a Club BizsSmart LLC Affiliate, and this is the first step to achieving the health and wealth that you have always desired! Our industry leading, lucrative marketing plan was designed to provide immediate income, as well as long term residual income to all of our Affiliates. In fact, when you see just how easy it is to advance in Rank, you may one day find yourself maximizing our Team Bonus commissions alone, at up to $3,000 per day! Combine that with our unique, one-of-a-kind, 100% pure, organic Jamaican Moringa product named Miracle Moringa, that was featured on TV and sold in over 60 countries since 2014, our unique Island Tea, a 100% RISK-FREE opportunity, and an experienced management team, you will soon realize why your timing for this unique opportunity could not be better! We pay out up to 60% commissions on all commissionable volume, and up to 86% commissions on UniMatrix Pack cycles! Please use this guide to familiarize yourself with our Marketing Plan so that you can start a successful journey with our amazing opportunity! To Be A Successful Affiliate Of Our Flagship Miracle Moringa Product Requires 3 THINGS: 1. Learn as much as possible about what makes Miracle Moringa a superior Moringa product! 2. Commit at least 3 months to Miralce Moringa usage, and share your experiences with everyone! 3. Share your website, documentary video, sizzle call and business cards with everyone you know! Club BizsSmart Affiliates can earn income 8 Powerful Ways: 3-Minute Recorded Message: TREE (8733) 1) Retail Profits (up to 100% profit per sale) 2) Fast Start Bonuses (up to $160 per sale) 3) Fast Start Coded Bonuses (up to $80 per sale) 4) Rank Advance Bonuses (up to $1,100 one time) 5) Team Bonus (up to $3,000 per day) 6) Team Matching Bonuses (up to 45% combined) 7) Monthly Lifestyle Bonus ($400 to $600 per month) 8) UniMatrix Bonus ($100 per 2x1 cycle)

2 1. Retail Profits (RP paid weekly) SECTION 2: 8 INCOME STREAMS Any Business Starter Pack purchase qualifies both Members and Affiliates to be able to purchase products at the lowest A/S & wholesale price! Retail sales allow Affiliates to purchase products at wholesale price, and sell at retail for an up to 25% profit per web order, or up to 100% per offline order! Offline Orders offer the largest retail profit potential when purchasing at wholesale, selling at retail, and keeping the difference. Web Orders pay out a flat retail commission per sale (per & FSCB rules) when an order is placed from own website. Affiliate Autoship Price/CV Preferred Customer Price/CV Retail Customer Price/CV Profit Per Web Order Profit Per Offline Order Profit Per Offline Bottle* Lowest Price Per Bottle $59.95/30 $69.95/35 $89.95/40 $20 $30 $30/$10 $59.95 $110.95/40 $129.95/60 $172.95/80 $40 $62 $34/$14 $55.47 $199.95/80 $239.95/100 $329.95/150 $80 $130 $40/$20 $49.98 $359.95/200 $439.95/200 $638.95/300 $160 $279 $45/$25 $44.99 * Profit Per Offline Order based on Retail/Preferred Customer price difference of profit per bottle or pack combo sold. 2. Fast Start Bonuses ( paid weekly) Fast Start Bonuses are paid out every time an Affiliate directly sells either a Business Starter Pack, or Preferred Customer or Retail Customer Order, which generates s of $10 to $120 per sale. On the first 2 direct sales made, Affiliates share 50% of the allocated with their direct Sponsor. For example, if the allocated on a 1 Bottle (Business Starter Pack) is $10, the Affiliate will earn $5 on their first 2 sales, and their direct Sponsor will also earn $5 on those same first 2 sales. Starting from Affiliate s 3 rd sale on, they will earn 100% of the allocated per direct sale, as well as Fast Start Coded Bonuses from Affiliates in their organization. 3. Fast Start Coded Bonuses (FSCB paid weekly) Fast Start Coded Bonuses are paid out via a modified 2-up coded plan, which generates FSCBs of $5 to $60 per sale. Starting from an Affiliate s 3 rd direct sale on, 100% of the allocated is paid out to them, which also starts their first Payline of Fast Start Coded Bonuses, in which 50% of the FSCB on the first 2 direct sales made by any personally sponsored Payline Affiliate will pass up to their direct Sponsor, and the sponsored Affiliate will keep the other 50%. FSCBs are paid on a residual basis, on both one-time (new) and recurring (monthly) orders. For example, if an Affiliate sponsors a Preferred Customer or Retail Customer that orders every month, the sponsoring Affiliate will earn a FSCB every month (residually) on that sale. Domestic Business Starter Packs (One-Time) Price* CV 1 st Sale 2 nd Sale 3 rd + Sale FSCB 1 Bottle Moringa or 2 Packs Tea $ $5 $5 $10 (Copper Consultant) Pack** $ $7.50 $7.50 $15 (Silver Consultant) Pack** $ $10 $10 $20 (Platinum Consultant) Pack** $ $25 $25 $50

3 International Business Starter Packs (One-Time) Price* CV 1 st Sale 2 nd Sale 3 rd + Sale FSCB 1 Bottle Moringa or 2 Packs Tea $ $5 $5 $10 (Copper Consultant) Pack** $ $7.50 $7.50 $15 (Silver Consultant) Pack** $ $10 $10 $20 (Platinum Consultant) Pack** $ $25 $25 $50 *Price includes one-time $25 admin fee and shipping & handling per Business Starter Pack. Prices are subject to change. **These orders include a Qualified Rank status for 60 days from date of order. See minimum PV order requirement on page 6. Preferred Customer Pricing (Recurring) Price CV 1 st Sale 2 nd Sale 3 rd + Sale FSCB 1 Pack Island Tea $ $5 $5 $10 1 Bottle Miracle Moringa $ $5 $5 $10 2 Packs Island Tea $ $10 $10 $20 2 Bottles Miracle Moringa $ $10 $10 $20 4 Pack Island Tea $ $20 $20 $40 4 Bottles Miracle Moringa $ $20 $20 $40 8 Bottles Miracle Moringa $ $40 $40 $80 Retail Customer Pricing (Recurring) Price CV 1 st Sale 2 nd Sale 3 rd + Sale FSCB 1 Pack Island Tea $ $10 $10 $20 1 Bottle Miracle Moringa $ $10 $10 $20 2 Packs Island Tea $ $20 $20 $10 2 Bottles Miracle Moringa $ $20 $20 $40 4 Packs Island Tea $ $40 $40 $80 4 Bottles Miracle Moringa $ $40 $40 $80 8 Bottles Miracle Moringa $ $80 $80 $160 Note: First 2 sales may not always equate to the first 2 referrals. Computer will pass-up 50% of FSCB of first 2 sales made. 4. Rank Advance Bonuses (RAB paid monthly) There are four one-time Rank Advance Bonuses that pay out a cumulative total of $1,100. After Qualified Affiliate achieves RAB requirements, there is a one month hold to allow for Affiliate s minimum PV monthly order to process. After Affiliate s monthly order has been processed, RABs are paid out in accordance with the pay period. Personally sponsored Members or Customers that are inactive during the qualification period will not count towards this Bonus. There is no time limit to achieve RABs, but a Business Starter Pack purchase is required to participate in it. Rank Min PV Personal Referrals (Minimum Per Leg) One-Time RAB Combined RABs Combined With FSCBs And TBs** Silver* 30 5 (2 Left & 2 Right) $100 $100 $158 - $420 Platinum* (3 Left & 3 Right) $200 $300 $465 - $1,050 Gold (4 Left & 4 Right) $300 $600 $845 - $1,720 Diamond (5 Left & 5 Right) $500 $1,100 $1,440 - $2,650 *Silver & Platinum Starter Pack with Qualified Ranks do not apply to Rank Advance Bonuses. **Earnings potential based Business Packages purchased by directly sponsored Affiliates, and by building a balanced binary.

4 5. Team Bonus (TB paid weekly) The Team Bonus pays out up to $3,000 per day (based on Rank), 7 days per week, via a 1:1 binary system. Each time there is a sale on the left team and sale on the right team, a Team Bonus of 30%* of the CV is paid out on the lesser volume leg, as long as there is 30 CV minimum. Equal CV from the greater volume leg is deducted after payout and will carry over into the following day. The Team Bonus alone has the potential to payout up to $90,000 per month! Rank Personal Referrals (Minimum Per Leg) TB Percent TB Percent* Daily Cap Monthly Potential Annual Potential Affiliate 1 (Left or Right) N/A N/A N/A Varies Varies Copper 2 (1 Left & 1 Right) 20% 30% $300 $9,000 $109,500 Silver 5 (2 Left & 2 Right) 25% 30% $600 $18,000 $219,000 Platinum 10 (3 Left & 3 Right) 25% 30% $1,000 $30,000 $365,000 Gold 15 (4 Left & 4 Right) 30% 30% $2,000 $60,000 $780,000 Diamond 20 (5 Left & 5 Right) 30% 30% $3,000 $90,000 $1,095,000 *30% is an introductory payout during prelaunch. Regular payout will start at 20% of LVL and increase to 30%, based on Rank. Team Bonus Income Example: In the above example, there is 2,500 CV on the left leg, and 2,000 CV on the right leg, which means the CV has generated up to $600 in Team Bonus commissions to be paid out, based on Rank as follows: Copper = $300 commission (this is the daily max at this Rank; remaining CV will carry over) Silver or Platinum = $600 commission Gold or Diamond = $600 commission 6. Team Matching Bonuses (TMB paid weekly) Team Matching Bonuses pay out a total of up to 45%, spread on up to 4 generations of depth, on the daily Team Bonus incomes of all Qualified Affiliates within a Qualified Affiliate s entire organization. Match Generation will determine how much and how many generations a Qualified Affiliate is qualified to earn on. There are no leg requirements. For example, if a Qualified Affiliate personally sponsor s 10 Members (on either team), then they will earn the maximum potential payout of a total of 45%, spread over 4 generations of Team Matching Bonuses, with no daily income cap!

5 Biz Match Generation Personal Referrals* (Minimum Per Leg) Gen 1 Gen 2 Gen 3 Gen 4 Combined Percentage Biz Match 1 1 (Left or Right) 10% 10% Biz Match 2 2 (1 Left & 1 Right) 20% 20% Biz Match 4 5 (2 Left & 2 Right) 20% 10% 30% Biz Match 6 10 (3 Left & 3 Right) 20% 10% 5% 35% Biz Match 8 15 (4 Left & 4 Right) 20% 10% 10% 40% Biz Match (5 Left & 5 Right) 20% 10% 10% 5% 45% *Personal referrals must maintain Active status each month. Customers do not count for Team Matching Bonuses requirement. 7. Monthly Lifestyle Bonus (MLB paid monthly) The Monthly Lifestyle Bonus pays out $400 to $600 per month, after a Silver or higher Ranked Active Affiliate has met and maintained the minimum monthly requirements. To achieve the $400 Silver Monthly Lifestyle Bonus requires a Member to purchase any Business Starter Pack, personally sponsor 5 Active Members (to reach Silver Consultant Rank), and commit to at least a 30 CV monthly autoship (which upgrades status to Active ). As soon as the 5 sponsored Active Members each sponsor 5 Active Members that each commit to at least a 30 CV monthly autoship, a team of 30 Active Affiliates would have been created and will generate a Silver Monthly Lifestyle Bonus of $400 per month. When combined with a balanced (TB) binary (@ 30% LVL) and TMBs, the minimum projected income is about $526 per month! There is no time limit to achieve this Bonus, and it will be paid out one month following the month of qualification, on the 2nd pay period.

6 Silver Monthly Lifestyle Bonus Income Example: Participate In The $500 Club With A Team Of 30 Affiliates To achieve the $600 Platinum Monthly Lifestyle Bonus requires a Member to purchase any Business Starter Pack, personally sponsor 10 Active Members (to reach "Platinum Consultant Rank), and commit to at least a 30 CV monthly autoship (which upgrades status to Active ). As soon as the 8 of the 10 sponsored Active Members each sponsor 5 Active Members that each commit to at least a 30 CV monthly autoship, a team of 50 Active Affiliates would have been created and will generate a "Platinum" Monthly Lifestyle Bonus of $600 per month. When combined with a balanced (TB) binary (@ 30% LVL) and TMBs, the minimum projected income is about $853 per month! There is no time limit to achieve this Bonus, and it will be paid out one month following the month of qualification, on the 2nd pay period. 8. UniMatrix Bonus (UMB paid weekly) The UniMatrix Bonus is a completely optional part of the Marketing Plan that is a 2x1 Forced Matrix structure that pays out 78% - 86% with no breakage. A one-time UniMatrix Pack purchase allows a Member to earn cycle commissions up to 30 times ($3,000) per day. There is no autoship or monthly order requirement to maintain Active status, and there is no sponsoring required to cycle. A UniMatrix Pack purchase also creates a Free Consultant position in the Team Bonus structure. There are 4 UniMatrix Packs to choose from, ranging in price from $140 to $180, with each paying out $100 per cycle. After every cycle, your position will re-enter into the next open spot of your Sponsor s 2x1 Forced Matrix, and includes access to 100 digital health & fitness MRR ebooks. Upgrading to a Business Starter Pack is only required to advance in Rank. UniMatrix Pack Name 2x1 UniMatrix Packs & Cycles Chart UniMatrix Pack Content UniMatrix Pack Cost UniMatrix Cycle Pay $/% 1 (Starter Tea) 2 Packs of Island Tea (USA) $140 $100 / 86% 2 (Starter Tea) 2 Packs of Island Tea (Int l) $160 $100 / 82% 3 (Starter Combo) 1 Miracle Moringa & 1 Island Tea (USA) $150 $100 / 84% 4 (Starter Combo) 1 Miracle Moringa & 1 Island Tea (Int l) $180 $100 / 78% *UniMatrix Packs can be purchased separately of Business Starter Packs, but only allow Affiliates to earn UniMatrix Bonuses. Your "Rank" will determine how many times per day you can cycle. For example, a "Copper" Affiliate can cycle up to 5 TIMES PER DAY, which is equal to up to $500 PER DAY! Sponsorship of a Member with a UniMatrix Pack order only will not count towards Rank Advancement; only Business Starter Pack orders are applied to Rank Advancement. Additionally, Members with UniMatrix Pack orders can purchase additional products at wholesale or autoship prices.

7 2x1 UniMatrix Daily Cycle Requirements Rank Personal Referrals (Minimum Per Leg) Cycles Per Day Maximum Daily Potential Affiliate 1 (Left or Right) 3 $300 Copper 2 (1 Left & 1 Right) 5 $500 Silver 5 (2 Left & 2 Right) 10 $1,000 Platinum 10 (3 Left & 3 Right) 15 $1,500 Gold 15 (4 Left & 4 Right) 20 $2,000 Diamond 20 (5 Left & 5 Right) 30 $3,000 SECTION 3: COMPENSATION PLAN SUMMARY The following chart summarizes what minimum requirements you will need to achieve in order to both qualify for and maintain certain Ranks. Rank Min PV Personal Referrals (Minimum Per Leg) Fast Start Coded RAB Team Matching Bonuses TB Daily Cap Monthly Lifestyle UniMatrix Bonus Affiliate 30 PV 1 (Left or Right) N/A N/A 10% N/A N/A 3 Cycles Copper 30 PV 2 (1 Left & 1 Right) N/A N/A 20% $300 N/A 5 Cycles Silver 30 PV 5 (2 Left & 2 Right) Yes $100 20%, 10% $600 $300* 10 Cycles Platinum 30 PV 10 (3 Left & 3 Right) Yes $200 20%, 10%, 10%, 5% $1,000 $500* 15 Cycles Gold 30 PV 15 (4 Left & 4 Right) Yes $300 20%, 10%, 10%, 5% $2,000 $500* 20 Cycles Diamond 60 PV 20 (5 Left & 5 Right) Yes $500 20%, 10%, 10%, 5% $3,000 $500* 30 Cycles *Must first meet minimum Monthly Lifestyle Bonus requirements to qualify the 2 nd Friday of following month. SECTION 4: SHOW ME THE MONEY!!! The following chart depicts how many recurring 30 CV orders (at 30% payout) you would need each month on your LVL to achieve your monthly income goal from TB earnings, and does not include other parts of the Marketing Plan, though your Rank will determine the daily cap. Monthly Income Goals Chart Monthly Income Goal Min Rank 1 Product (30 CV) 2 Products (40 CV) 4 Products (80 CV) 8 Products (200 CV) $500 Copper $2,500 Copper $5,000 Copper $10,000 Silver 1, $25,000 Platinum 2,778 2,084 1, $50,000 Gold 5,556 4,167 2, If your primary goal is to only earn income from the UniMatrix Bonus, then being that your rank will determine the amount of times you can Cycle daily, even at the Affiliate rank, you could earn up to $300 per day, which is $2,100 per week, or $109,500 per year, per Business Center! Being each household can register up to 3 Business Centers, your potential is tripled!

8 SECTION 5: GLOSSARY & RANK REQUIREMENTS Before starting your Club BizsSmart business, it is very important that you familiarize yourself with terms listed in the glossary that will be used throughout this document to better understand, as well as to be able to eventually maximize the Marketing Plan. Here are common terms you will need to know as you build your Club BizsSmart business: Active: A Member or Affiliate that has purchased at least 30 PV of product in a 30 day period via an autoship order, or by having directly sponsored at least 1 Retail Customer or Preferred Customer with a minimum 30 PV order each month. Account: A maximum of 3 accounts per household is permitted, with each having its own unique SSN, TIN, or EIN. This applies to both the Team Bonus and UniMatrix Marketing Plans. Affiliate: A Member that has referred at least 1 Active Member. Affiliates can earn FSCBs on Business Starter Packs and Retail Customer Orders. No purchase is required to be an Affiliate. Autoship (A/S): This enables Members, Affiliates, and Customers to automatically and conveniently receive a monthly shipment of product, without the need to place re orders (hassle free). It also helps Members and Affiliates to easily qualify for commissions in the compensation plan. Binary: The Team Bonus structure is based on a binary plan structure. Therefore, whenever the term binary is used, it is describing both the Team Bonus and Team Matching Bonuses. Cap/Max: Either term signifies the max daily earnings potential a Qualified Affiliate can achieve in the TB (binary), based on their Rank, e.g. a Consultant with a qualified Rank of Diamond can earn up to $3,000 per day. Carry Over: This is non-paid commissionable volume that will accumulate and be paid out during the next Pay Period. Commission Qualified (CQ): An Affiliate of any Rank that has met the minimum requirements to earn commissions. Commissionable Volume (CV): This is the accumulation of total sales volume generated from both an Affiliate s organization and spillover, and is what commission payouts are based on. Consultant: This is another description of an Affiliate, and is even used when an Affiliate joins for free, e.g. Free Consultant (is a position that is valid for 60 days from registration date). Cut-Off Period: CV is accumulated in real-time and calculated by 12:00 AM EST every day. Cycle: In the UniMatrix Bonus, a Cycle occurs whenever 2 sales fall underneath a Business Center position, resulting in a commissions of $100, $300, $600 or $1,000. Free Consultant: This option allows a Member to earn 2 of 8 ways (Fast Start Bonuses & Fast Start Coded Bonuses). Grace Period: All Members and Affiliates will be given a 5-day grace period to maintain Active status after exceeding 30 days from previous order, to either direct purchase, or refer a customer that directly purchases at least 30 PV of product. Greater Volume Leg (GVL): Also sometimes referred to as the Strong Leg or Power Leg, is the Team that has the greatest amount of CV every 24 hours. Any CV amount in your GVL that is greater than the LVL amount for a 24-hour period carries over to the same leg for the following day. Holding Period: There is a 2-week hold on all commissions, except the one-time Rank Advance Bonuses, which require a 1-month hold. Therefore, all commissions on new sales are paid out the third Friday after date of registration, then every week thereafter.

9 Inactive: This occurs whenever a Member, Customer or Affiliate has not placed an order within a 4 week period. Lesser Volume Leg (LVL): Also sometimes referred to as the Pay Leg, is the Team that has the lowest amount of CV every 24 hours. The total CV on the LVL is used for Team Bonuses calculations every day, which is then paid out weekly, every Friday. Member: A person that purchases any Business Starter Pack. Organization: Also sometimes referred to as a Downline, this is the sales team directly connected to an Affiliate and does not include spillover. This is sometimes referred to as a Personal Enrollment Team or Unilevel Team. Payline: This is a term used to describe the direct sales that entitle you to earn unlimited Fast Start Coded Bonuses, which starts with your 3 rd direct sale. Pay Period: Pay period is Sunday to Sunday at midnight EST. Commissions are paid out every week on Friday after Holding Period, with a $20 minimum pay out. Ewallet balance resets every Monday. Preferred Customer (PC): A person that orders any product at a discounted price through the monthly autoship program. They must be on autoship to receive this preferred pricing. Personal Volume (PV): This is the sales volume of your personal purchases, and those of your Retail Customers and Preferred Customers, which is used for calculating commissions. Points Reset: The reset of CV means the sales volume is removed and non-calculated for commissions if an Affiliate does not have an active 30 CV autoship, manual order, or one personally sponsored active Retail Customer or Preferred Customer within the required period of 60 days from last date of order. Qualified Affiliate (QA): An Active Affiliate that has referred at least 2 Active Members, and placed one on the left team and one on the right team. This also promotes the Affiliate to the first Rank of Copper Consultant. Rank: A designation that, once achieved and maintained, will allow the qualified Affiliate to earn higher daily income in the TB (binary). There are currently 5 Consultant Ranks that a qualified Affiliate can achieve: Copper Consultant, Silver Consultant, Platinum Consultant, Gold Consultant, and Diamond Consultant. Retail Customer (RC): A person that orders any product from a Member s or Affiliate s personal inventory, or from their personalized 24/7 ecommerce website at full retail price. Spillover: This occurs when a Member s or Affiliate s TB (binary) or 2x1 UniMatrix Business Center receives sales from above the Member s or Affiliates own organization. Sponsor: A Member that has referred at least 1 Member becomes the permanent Sponsor of that Member. Team: Sometimes referred to as a leg, represents both the left and right side of a Member s or Affiliate s TB (binary) organization. Upgrade: Customers and Free Members can upgrade to Affiliate status by purchasing any Business Starter Pack. Upline: This is the hierarchy of Members and Affiliates directly above each Member s and Affiliate s organization. With Club BizsSmart and Miracle Moringa, You Can Earn Up To $3,000 Per Day! Red Mud (RM) has a solid concentration in the range of 10-30%, ph (alkalinity) in the range of 13, and a high ionic strength. A chemical analysis would reveal that RM contains silica, aluminum, iron, calcium, titanium, as well as an array of [rare earth minerals]. And this is why we have chosen Jamaica to grow our organic products you'll notice by its taste and texture the difference it makes within seven days. Joe Stephens & Mike Major, "Miracle Moringa" Founders

10 *** DISCLAIMERS *** EARNINGS DISCLAIMER Club BizsSmart LLC has made every effort to accurately represent its compensation plan and overall business opportunity, as presented in this material. Club BizsSmart LLC pays out a commission on every sale pursuant to the compensation plan. No commissions are paid for the recruitment of others. However, individual results can vary, and will be based on an individual's ability, experience, dedication, and level of desire. There are no specific guarantees concerning the level of success that anyone may experience. There are no specific guarantees, promises or assurances that examples of past earnings can be duplicated in the future. Club BizsSmart LLC does not offer investment or tax advice. Check with your accountant, lawyer or professional advisor before acting on this or any information. Users of Club BizsSmart LLC products and services are advised to do their own due diligence when it comes to making business decisions. Club BizsSmart LLC hereby disclaim any personal liability (tangible and intangible), or loss or risk incurred as a consequence of the use and application, either directly or indirectly, of any advice, information or methods presented herein. Neither the information, nor any opinion contained within this document constitutes a solicitation or offer by Club BizsSmart LLC, or its officers, partners, Members, customers, or affiliates to buy or sell any securities, options, or other financial instruments. FDA DISCLAIMER These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure or prevent any disease. Prior to using these products, download the Supplement Facts on JamaicaMoringa.com site, and take them to your physician for approval. DO NOT assume that just because you purchased similar supplements in the past, they will have the same effect. DO NOT experiment with dosages. Take only as directed under the supervision of a Physician. Club BizsSmart LLC assumes no responsibility for the improper use of and self-diagnosis and/or treatment using these products. Club BizsSmart LLC products should not be confused with prescription medicine. Club BizsSmart LLC products should not be used as a substitute for medically supervised therapy. If you suspect you suffer from clinical deficiencies, consult a licensed, qualified medical doctor. It is important that you understand why no claims can be made about the products you order from Club BizsSmart LLC, and we cannot suggest the use of any product that will effect a cure or affect a symptom/ailment. Before starting a dietary supplement, it's always wise to check with a medical doctor. It is especially important for people who are: pregnant or breast feeding, chronically ill, elderly, under 18, or taking prescriptions or over-the-counter medicines. Certain supplements can boost blood levels of certain drugs to dangerous levels. None of the products or information available to the public are intended to be a treatment protocol for any disease state, but rather are offered to provide information and choices regarding nutritional support for various health concerns. None of the information is intended to be an enticement to purchase and may not be construed as medical advice or instruction. No action should be taken solely on its content; regardless of the perceived scientific merit, instead readers should consult health care professionals on any matter related to their health. The information obtained from referenced materials are believed to be accurate, as presented by their respective authors, but Club BizsSmart LLC assumes no liability for any personal interpretation. Readers, previous and future customers who fail to consult their Physicians prior to the purchase and subsequent use of any product, assume the risk of any adverse effects. The use of any nutritional supplement for any reason, other than to increase dietary intake levels of specific nutrients, is neither, implied nor advocated by Club BizsSmart LLC. Most nutritional products are concentrated nutrients typically found in a well designed dietary profile and as such provide the body with recognized essential nutrients and other nutritional elements believed to benefit tissue building/repair and metabolic function. For any suspected or known illness or health concern, always consult with your physician or health care provider prior to the purchase or use of any nutritional product. Club BizsSmart LLC have attempted to present information from the literature, books and other references as well as information about our products as accurately as possible, but you should be aware that the Food and Drug Administration has not approved or evaluated all of the information contained in the literature or on this site. Any literature reference or direct link to a specific product is for your information or convenience and may not be construed as an enticement to purchase and further is not intended or implied to be used in the mitigation, diagnoses, treatment, cure, or prevention of any disease.

11 TESTIMONIALS DISCLAIMER In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing within this document are actually received via text, audio or video submission. They are individual experiences, reflecting real life experiences of those who have used the Club BizsSmart LLC products and/or services in some way or another. However, they are individual results, and results will vary. Club BizsSmart LLC does not claim that they are typical results that customers will generally achieve. The testimonials are not necessarily representative of all of those who will use the Club BizsSmart LLC products and/or services. The testimonials displayed (text, audio and/or video) are given verbatim, except for correction of grammatical or typing errors. Some have been shortened. In other words, not the whole message received by the testimonial writer is displayed, when it seemed lengthy or not the whole testimonial seemed relevant for the general public. Club BizsSmart LLC is not responsible for any of the opinions or comments listed in this document. Club BizsSmart LLC is not a forum for testimonials, however, provides testimonials as a means for new customers to share their experiences with one another. GENERAL DISCLAIMER This document has been prepared solely for informational purposes, and is not an offer to buy or sell or a solicitation of an offer to buy or sell any security, product, service or investment. The opinions expressed within this document do not constitute investment advice, and independent advice should be sought where appropriate by a duly licensed professional. It is also suggested that you do your own research to find out if the products and/or services offered are legal within your jurisdiction. The information provided within this document is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Club BizsSmart LLC, its officers, partners, Members, customers, or affiliates to any registration requirement within such jurisdiction or country. Participation in Club BizsSmart LLC is void where prohibited by law. Neither the information, nor any opinion contained within this document constitutes a solicitation or offer by Club BizsSmart LLC, or its officers, partners, Members, customers, or affiliates to buy or sell any securities, futures, options, or other financial instruments, or to provide any investment or tax advice or service.