HEALTHCARE PRODUCT MARKETING AND ADVERTISING POLICY

All distributors promoting or offering FMA Benefits healthcare products are required to adhere to and comply with the following guidelines and all other provisions outlined in the Company's Policies and Procedures.

Distributors steps to introduce the Healthcare Product:

• 1. Make it clear that prospective customers must either be or become a Youngevity distributor to take advantage of the healthcare products and that the healthcare product is merely an optional benefit of status as a Youngevity distributor.
• 2. Direct prospective customers to the official healthcare website (list site URL) and tell them that as a Youngevity distributor, you are not qualified to give any sort of health benefit guidance other than to direct them to the website and let them come to their own judgment.
• 3. Encourage prospects to schedule an appointment with one of FMA Benefits' licensed agents for benefit counseling.
• 4. Utilize only pre-approved materials that describe the benefit, which may include electronic or mail communicators.

Distributors must not:

• 1. Hold themselves out as insurance agents or health benefits advisors or consultants, or as having any expertise in health benefits.
• 2. Provide information on plan designs, benefits, coverage options, or details to prospects. Simply refer them to the website and licensed individuals.
• 3. Solicit prospects through offers of remuneration, enticements, bribes, kickbacks, or incentives. Do not ask them or urge them to buy the product or to apply for the product.
• 4. Make promises concerning healthcare products, whether truthful and sincere or not, and certainly do not make any false, misleading, or deceptive promises concerning healthcare products.
• 5. Advise or recommend prospects to provide false information on healthcare applications to gain acceptance.
• 6. Recruit individuals who do not meet the qualifications to become a Youngevity Distributor.
• 7. Suggest or imply that prospects should cancel their existing healthcare coverage to enroll in any new healthcare plan.
• 8. Create websites, electronic media, or printed materials related to healthcare products.
• 9. Use unapproved marketing materials, including emails, mailers, advertisements, or flyers.
• 10. Engage in telephonic campaigns, utilize robo dialers, or employ marketing or telemarketing entities for such purposes.
• 11. Employ sales or marketing tactics of any kind.

Distributors found in violation of these policies and procedures may face suspension, revocation, or termination of their distributorship with Youngevity, and might also face penalties from state insurance regulators.