INCOME DISCLOSURE December, 2017

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1 INCENTIVE PLAN 2018

2 INCOME DISCLOSURE December, 2017 The Heart & Body Naturals ( HBN ) Income Opportunity is an exciting opportunity that rewards you for referring our products and for sponsoring other participants who do the same. This projected average income does not reflect the expenses associated with building an HBN business, as promotional and other miscellaneous expenses could exceed the commissions received. Although the opportunity is unlimited, individual results will vary depending on market conditions, commitment levels, and sales skills of each participant. Since HBN has recently launched, it lacks enough statistical data to prepare reliable income disclosures. The percentages presented on the next slide reflect estimates prepared by the company pending a more detailed survey to be conducted after its first year. Based on industry standards and company projections, the average annual gross revenue for a Heart & Body Naturals participant is projected to be anywhere between $500 and $2,000. There will certainly be participants who will earn less while others will earn much more. We re excited about the HBN Income Opportunity and we re confident it will provide you a solid foundation to help you achieve your financial goals. If income projections were presented to you prior to your enrollment, such projections are not necessarily representative of the income, if any, that you can or will earn through your participation in the Income Opportunity. These income projections should not be considered as guarantees or projections of your actual earnings or profits. Success with HBN results only from hard work, dedication, and leadership.

3 improving your health, increasing your energy, being able to spend more time doing things you love with the people you love, and best of all, imagine not having the stress and worry over bills and how to pay them.

4 MAKE MONEY TODAY Sign up for a Free Membership Joining Heart & Body Naturals is easy there are no registration or annual fees involved. And best of all, you can earn commissions and bonuses without having to personally purchase products. When you create a free Heart & Body Naturals account you can begin making money right away using our no-cost professional home business marketing systems. FREE TO JOIN & NO WEBSITE, MEMBERSHIP, OR ANNUAL FEES (Pay for products that you want to purchase.) EVERYONE STARTS AS A CUSTOMER (Love the products first!) DAILY COMMISSIONS THAT PAY IN REAL TIME (Need to pay the car payment tomorrow? Share product!) PayQuicker debit card ordered free of charge with daily commission deposits!

5 Retail Earn 50% of the Commissionable Volume (CV) on Retail orders placed on your free ShopHBN.com site. Fast Start Earn up to 30% on wholesale orders placed by your personally enrolled members during their first 90 days. STAR Earn additional $100 and $300 monthly bonuses. Quickly break even or get into profit with this bonus. 2x17 Matrix Earn up to $1.00 for every 50 CV order placed by members in your business, no matter who enrolled them. Dual Binary Earn 4%, 8%, or 12%, depending on your PV, when there is 200 CV in one leg and 200 CV in the other. Binary Match Earn up to 50% check match of the Binary Commissions on Executive Consultants in your enrollment tree, up to 7 generations deep. Rank Advancement Earn up to $190,000 in Rank Advancement Bonuses.

6 50% Retail Customer Bonus paid instantly When your customers purchase from your free retail e-commerce website, you earn 50% of the Commissionable Volume (CV) on their order. The Retail Customer Bonus is available to withdraw to your free debit card within minutes! Plus, you ll receive secure access to an online business management system. There Are No Requirements To Earn The Retail Customer Bonus Note: 50% of the CV is placed in your Binary Team.

7 The Retail Bonus allows you to earn 50% by simply sharing our life enhancing products. Don t want to build a team or downline? No problem!

8 Fast Start Bonus paid instantly 1 st Generation Consultant (or above) Earn up to 30% of the Commissionable Volume on Wholesale orders placed by personally enrolled Members during their first 3 months. 2 nd Generation Executive (or above) 3 rd Generation Bronze (or above) As you build a team, you can also qualify to earn the Fast Start Bonus (FSB) on the wholesale purchases of members enrolled by your personally enrolled team, up to 3 generations deep. Requirements: 1 st Generation: 25 PV, 1 Active Personally Enrolled Member 2 nd Generation: 25 PV, 2 Active Personally Enrolled Members with one on your left team and one on your right 3 rd Generation: 50 PV, 2 Active Personally Enrolled Executives with one on your left team and one on your right Note: 50% of the CV will automatically be placed in your Binary Team.

9 FIRST ORDERS Other Companies Plus HBN Fast Starts Are Paid On Orders For 3 Months!

10 STAR Bonus paid monthly The STAR Bonus allows the Consultant to not only break-even but to get in profit quickly, with the ability to earn an additional $400 monthly bonus with a team of only 20 members. Use/Sell retail 100 PV during the month. Paid to you when you have four 1 st generation members who use/sell retail 100 PV during the month. Paid to you when you have sixteen 2 nd generation members who use/sell retail 100 PV during the month. What Would an Additional $ Every Month Mean To You? Requirements: 100 PV, 4 Active 1 st Generation Members with 100 PV, 16 active 2 nd Generation with 100 PV

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12 Dual Matrix paid every friday Heart & Body Naturals is the only company offering an all-in-one Matrix & Binary opportunity. Earn both bonuses at the same time on the same organization! RANK LEVEL POTENTIAL PER LEVEL Member 1 $2 2 $4 3 $8 Consultant 4 $16 5 $32 6 $64 7 $128 Executive 8 $256 Bronze 9 $512 Silver 10 $1,024 Gold 11 $2,048 Platinum 12 $4,096 Pearl 13 $8,192 Sapphire 14 $16,384 Ruby 15 $32,768 Emerald 16 $65,536 Diamond 17 $131,072 Dynamically Compressed Requirements: 25 PV, earn $0.25 per 50 PV order placed below you. Number of levels earned is determined by rank. 50 PV, earn $1.00 per 50 PV order placed below you. Number of levels earned is determined by rank. The Dual Matrix Bonus is Paid Every Friday. Yes, You Can Earn This Bonus 52 Times a Year!

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14 Dual Binary paid daily Heart & Body Naturals Dual Binary is one of the most aggressive and fairest binary plans in the Direct Sales industry. Not only do you earn on the Dual Matrix bonus on your binary team but you are also paid up to 12% on your pay leg, and it is paid Dual Infinity Binary to you instantly, as soon as you have 200 CV in one leg and 200 CV on the other Requirements: 25 PV 50 PV 100 PV with absolutely NO FLUSHING!

15 LEFT LEG RIGHT LEG LEVEL 1 POTENTIAL EARNINGS 2 $24 3 $ $ $ $ $1, $3, $6, $12,264

16 Binary Match Commissions paid daily GENERATION BRONZE SILVER GOLD PLATINUM PEARL SAPPHIRE RUBY EMERALD DIAMOND 1 10% 15% 20% 20% 20% 20% 30% 40% 50% 2 5% 5% 5% 5% 5% 5% 3 5% 5% 5% 5% 5% 4 5% 5% 5% 5% 5 5% 5% 5% 6 5% 5% 7 5% The Heart & Body Naturals Matching Bonus allows you to earn two different powerful matching bonuses in your enrollment tree. First, you earn up to a 50% match on the Binary earnings of all of your personally enrolled members. Second, as your business grows and you advance in rank you can earn a 5% match on the Binary earnings of members in your enrollment tree up to seven generations deep.

17 RANK # OF PAYOUTS AMOUNT PER PAYOUT TOTAL PAYOUT Pearl 10 $500 $5,000 Sapphire 10 $1,000 $10,000 Ruby 10 $2,500 $25,000 Emerald 10 $5,000 $50,000 Diamond 10 $10,000 $100,000 Rank Advancement paid in 10 monthly increments As your business grows and you reach the rank of Pearl (or above), you qualify for the Rank Advancement Bonus, split into 10 monthly payments while rank is maintained!

18 SHARING IS AS EASY AS Heart & Body Naturals Gift Card Marketing Program can create the additional income and give you the time freedom you and your family need and want. If you can give away gift cards you can be successful with Heart & Body Naturals! Gift cards do the introduction. Products do the selling. Our automated system does the follow-up! Enroll a New Member with a Value Pack and Earn up to $65 in Fast Start Bonuses! GIVE $25 EARN UP TO $65

19 YOU CAN EARN EVERY STEP OF THE WAY Start Making Money Today! You Earn You Earn You Earn You Earn As people sample our life-changing products formulated to support health & wellness As your team purchases Gift Cards to share with potential Customers and Members When you enroll a new Customer who wants to purchase products When you enroll a new Member who wants to hand out gift cards too When You Are A Partner Member, The Gift Cards Are FREE Give them to people you may or may not know, and when the cards are redeemed YOU MAKE MONEY

20 Lavender, Lemon, Peppermint, Tea Tree, Tri Remedy, Frankincense, Trauma Relief, Breathe, Dygest, and Protector in a convenient travel case + 12 Virtual Gift Cards Mind, Body, Soul (3 of each) and Shot Glasses (3) + 12 Virtual Gift Cards Slimmer (3), VitaliTEA (3), and Slimmer 7-Day Trial (3) + 12 Virtual Gift Cards Six bottles of 500 mg Hemp Herbals Drops + 12 Virtual Gift Cards When You Purchase a Value Pack & Maintain a 100 CV Monthly Auto-Delivery You Earn an Additional 10% Fast Start Bonus (total of 30%) on all orders placed by your personally enrolled during their first 90 days, receive 10 FREE Gift Cards every month to use in building your business, and our office staff will call your potential customers!

21 UPGRADE TO A PARTNER MEMBERSHIP Maximize Your Success & Income Upgrading To PARTNER Is Easy Simply Purchase Any HBN Value Pack & Maintain A Monthly 100 PV Auto-Delivery Order

22 GETTING STARTED Starting As A Customer Or Home Business Has Never Been Easier!! Safe, clean, quality products you will love, partnered with the Incentive Plan you deserve! Simply choose the level of participation that best fits your goals.

23 CONTACT YOUR CONSULTANT NO RISK

24 TERMS TO KNOW C COMMISSIONABLE VOLUME (CV) The internal currency attached to every product. When product is sold, volume is generated. Earning qualification, commissions, and bonuses are directly related to volume. Fifty percent (50%) of the Commissionable Volume on Fast Start Bonus eligible orders and Retail Customer Bonus orders will be placed in your Dual Binary Team Volume. A ACTIVE Use/sell retail a minimum of 25 PV every 30 days. CONSULTANT Someone who has completed a free online enrollment, has 25 Personal Volume (PV), and one active personally enrolled member. B BINARY Type of Incentive Plan where Consultants have only two front-line Consultants. When a Consultant sponsors more than two people, the D DYNAMIC COMPRESSION When a member is not eligible to earn a bonus or commission it will compress up and pay to the next qualified member. additional members are placed at levels below others under the sponsoring Consultant. BRONZE CONSULTANT A Bronze Consultant is someone who is active and has two personally enrolled Executive Consultants, one in each leg. E EXECUTIVE CONSULTANT An Executive Consultant is someone who is active and has two personally enrolled active members, with one placed on the left leg and one placed on the right leg.

25 TERMS TO KNOW P PERSONAL GROUP VOLUME (PGV) The total of commissionable volume under your personally enrolled. PERSONAL VOLUME (PV) Combined total of personal purchases + Retail Customer purchases. G GENERATION A Generation is when someone is tied to you through personal enrollment. For example, you enroll John. He is your 1 st generation. John enrolls Sue. She is your 2 nd generation. The Heart & Body Naturals Incentive Plan pays up to 3 generations of Customer Sales Bonus and up to 7 generations of Binary Match Commissions. T TEAM COMMISSION When you have 200 CV on your left and 200 CV on your right, you cycle and earn a Team Commission of 4%, 8%, or 12%. M MATRIX Type of Incentive Plan that has a set width and depth. It is by this width and depth that Members are paid. The Heart & Body Naturals Incentive Plan is a 2x17 Matrix.

26 RANK QUALIFIERS As you build your Heart & Body Naturals business, you ll rise through the ranks and further expand your earning potential. Rank achievement depends on the time and effort you put into your business, and rewards you at each level. RANK PERSONAL VOLUME PERSONALLY ENROLLED ACTIVE PERSONALLY ENROLLED EXECUTIVES Consultant Executive 25 Bronze 50 Silver 50 Gold 50 Platinum 50 Pearl 50 2 (1 in each leg) 0 2 (1 in each leg) 4 (1 in each leg) 8 (2 in each leg) 12 (3 in each leg) 12 (3 in each leg) PERSONAL RANK Executive Executive Executive Executive PERSONALLY ENROLLED PLATINUMS TEAM COMMISSION Platinum 30 Sapphire 50 Platinum 1 60 Ruby 50 Platinum Emerald 50 Platinum Diamond 50 Platinum 6 500