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Playing to Win

       2009 Compensation Plan Enhancements


                                                                      Slide 1 of 33
© 2007 Univera. All rights reserved.   Wednesday, December 31, 2008              1
*These figures are mathematical projections based on hypothetical, optimal conditions,
and should not be considered guarantees or projections of your actual earnings or
profits. Any representation or guarantee of earning, whether made by Univera or an
independent Univera Associate would be misleading. Success with Univera results
from successful sales efforts, which require hard work, diligence, and leadership. Your
success depends on how effectively you exercise these qualities. Note: 60% of all
Univera Associates earned between $34 USD and $830 USD from Jan. 2006 to Dec.
2006.




                                                                         Slide 2 of 33
even Rewards of Financial Renewal

 1.   Retail Commissions
 2.   Unilevel Pay
 3.   Generation Pay
 4.   Xcelerate Your Drive
 5.   Blue Diamond Pool
 6.   Incentives and Trips
 7.   Promotional Pay


                                    Slide 3 of 33
gnite Recruiting Presentation
                Four Points Covered in this Presentation:


                              2                     3
         1                                                      4
                       Rapid Rank          SKU Bonus
   Rapid Rank                                               Weekly Pay
                       Matching            Program
   Bonus
                       Bonus

 • More front-end money (SKU Bonuses)
 • Paid Faster (Weekly Pay)
 • Flexible 4x4 ROI Story (SKU Bonuses)
 • Stronger payout for new recruits
                                                        “Represents best
 • Stronger payout for leadership for performance
                                                        of the past and
 • Consistency, consistency, consistency                future combined.”
 • Simplicity
                                                                 Slide 4 of 33
1. Rapid Rank Bonus




                      Slide 5 of 33
apid Rank Bonus

Rapid Rank Bonus for ALL of 2009
 •   New Associates enrolled on or after November 23,
     2008
 •   Advance rank within scheduled timeframe
 •   Lucrative bonuses paid after two and four consecutive
     months
 •   Bonus amounts are accumulative




                                                   Slide 6 of 33
2nd                   4th         Potential
             Advancement
  Ranks                  consecutive          consecutive   Accumulative
              Schedule*
                           month                month          Bonus


                                                              $600
Bronze          Month 3           $200             $400

                                                             $3,000
Silver          Month 3           $400            $2,000

                                                             $8,000
Gold            Month 4          $1,000           $4,000

                                                            $18,000
Platinum        Month 8          $2,000           $8,000

                                                            $42,000
Diamond        Month 12          $4,000           $20,000


*Advancement Schedule means an Associate
must be one month rank qualified by that month.

                                                                Slide 7 of 33
Scenario #1- 3 Months to Bronze
   Month         Month 1     Month 2    Month 3 Month 4 Month 5 Month 6


   Rank         Associate   Executive   Bronze   Bronze    Bronze   Bronze

 Monthly
                  $50         $200       $400     $400      $400     $400
Commission
 Average
Rapid Rank                                                                    Total Six Month
                   $0          $0         $0      $200       $0      $400      Commission
  Bonus

Total Monthly
                                                                              $2,450
                  $50         $200       $400     $600      $400     $800
Commission
                                                                   us
                                                           $600 Bon
                                                                 sidual
                                                          $400 Re




                                                                             Slide 8 of 33
Scenario #2- 3 Months to Silver
   Month         Month 1    Month 2 Month 3 Month 4 Month 5 Month 6


   Rank         Executive   Bronze   Silver   Silver   Silver   Silver

 Monthly
                  $200       $400    $700     $700     $700     $700
Commission
 Average
Rapid Rank                                                               Total Six Month
                   $0         $0     $200     $400     $400     $2,000    Commission
  Bonus

Total Monthly
                                                                         $6,400
                  $200       $400    $900     $1,100   $1,100   $2,700
Commission
                                                               onus
                                                       $3,000 B
                                                                 ual
                                                        700 Resid
                                                       $




                                                                         Slide 9 of 33
Scenario #3- 4 Months to Gold
             Month    Month    Month    Month    Month    Month    Month
  Month
               1        2        3        4        5        6        7

  Rank       Bronze   Silver   Silver   Gold     Gold      Gold     Gold

 Monthly
              $400    $700     $700     $1,800   $1,800   $1,800   $1,800
Commission
 Average
Rapid Rank                                                                   Total Seven Month
               $0     $200     $400     $400     $3,000     $0     $4,000       Commission
  Bonus
  Total
                                                                             $17,000
 Monthly      $400    $900     $1,100   $2,200   $4,800   $1,800   $5,800
Commission
                                                                    onus
                                                           $8,000 B
                                                                   esidual
                                                          $1,800 R




                                                                             Slide 10 of 33
Scenario #4- 8 Months to Platinum
   Month                     Month 8    Month 9    Month 10    Month 11


                Month 1 ~
   Rank                      Platinum   Platinum   Platinum    Platinum
                 Month 7
 Monthly
                              $4,500     $4,500     $4,500      $4,500
Commission
 Average        Advance to
                  Gold
Rapid Rank                                                                      Total 11 Month
                               $0        $2,000      $0         $8,000           Commission
  Bonus

Total Monthly
                                                                            $45,000
                              $4,500     $6,500     $4,500      $12,500
Commission
                                                                      Bonus
                                                              $18,000
                                                                        idual
                                                                ,500 Res
                                                              $4




                                                                          Slide 11 of 33
Scenario #5- 12 Months to Diamond
  Month                   Month 12   Month 13   Month 14    Month 15


             Month 1 ~
  Rank                    Diamond    Diamond    Diamond     Diamond
             Month 11
 Monthly
                          $15,000    $15,000    $15,000      $15,000
Commission
 Average     Advance to
              Platinum
Rapid Rank                                                                Total 15 Month
                            $0        $4,000      $0         $20,000       Commission
  Bonus
  Total
                                                                       $129,000
 Monthly                  $15,000    $19,000    $15,000      $35,000
Commission
                                                                    Bonus
                                                            $42,000
                                                                     sidual
                                                             5,000 Re
                                                           $1



                                                                         Slide 12 of 33
2. Rapid Rank Matching Bonus




                               Slide 13 of 33
apid Rank Matching Bonus

Rapid Rank Matching Bonus for ALL of 2009
 •   50% matching Rapid Rank Bonus paid to the Sponsor
 •   Associates enroll on or before December 31, 2008
 •   Sponsor a new Associate between November 23, 2008
     and December 31, 2009




                                                 Slide 14 of 33
You
     Sr. Associates or above




                                     You
Joe- Silver
                                     50% Matching
Rapid Rank Bonus
                                     Rapid Rank Bonus
$3,000
                                     $1,500


                                               Slide 15 of 33
You
     Sr. Associates or above




                                     You
Jane- Gold
                                     50% Matching
Rapid Rank Bonus
                                     Rapid Rank Bonus
$8,000
                                     $4,000




                                               Slide 16 of 33
You




4 Associates- Gold         You
Rapid Rank Bonus           50% Matching
$8,000                     Rapid Rank Bonus
                           $4,000 * 4 = $16,000

                                        Slide 17 of 33
3. SKU Bonus Program




                       Slide 18 of 33
KU Bonus Program




                         $50 Twin Pack Plus Two Bonus




  • Enroll on Convenience Plan prior to order
  • Program ends on December 31, 2009



                                                Slide 19 of 33
ompetitive Comparison #1



Enroll one on 100 BV:
  – Mona Vie $20
  – Noni     $24
  – Xango    $30
  – Univera $65 Associates
             $85 Advantage Customers




                                       Slide 20 of 33
ompetitive Comparison #2



Enroll four earn more:
  – Mona Vie $80
  – Noni     $96
  – Xango    $120
  – Univera $260 Associates
             $340 Advantage Customers




                                        Slide 21 of 33
Example -                              You
Enroll four on CP with a
Twin Pack Plus Two




                                                                 = 750 GV




                                        Return on Your Investment (ROI):
How to Get Started:
                                        Unilevel Pay                     $ 60.00
Twin Pack Plus Two           $149.85
                                        Twin Pack Plus Two Bonus    ++ $200.00
Getting Started Kit        + $ 40.00
                                        Return                    $260.00
Investment $189.85
               +


                                                                   Slide 22 of 33
KU Bonus Program


                           $ 20 – 10 Gifting Pack Bonus
                           $ 60 – 30 Gifting Pack Bonus
                           $180 – 60 Gifting Pack Bonus


 • Enroll on Convenience Plan prior to order
 • Program ends on December 31, 2009




                                                 Slide 23 of 33
Example -
                                   You
Enroll four on CP, purchase a
Twin Pack Plus Two, and a 10
Gifting Pack



                                                             = 1,150 GV




                                    Return on Your Investment (ROI):
How to Get Started:
                                    Unilevel Pay                     $ 60.00
Twin Pack Plus Two       $149.85
                                    Twin Pack Plus Two Bonus         $200.00
10 Gifting Pack          $125.00
                                                                 +
                                    10 Gifting Pack Bonus        + $ 80.00
Getting Started Kit    + $ 40.00
                                    Return                    $358.00
Investment $314.85          +


                                                               Slide 24 of 33
Example -
                                    You
Enroll four on CP, purchase a
Twin Pack Plus Two, and a 30
Gifting Pack



                                                              = 1,750 GV




                                     Return on Your Investment (ROI):
How to Get Started:
                                     Unilevel Pay                     $120.00
Twin Pack Plus Two        $149.85
                                     Twin Pack Plus Two Bonus         $200.00
30 Gifting Pack           $350.00
                                                                  + $240.00
                                                                  +
                                     30 Gifting Pack Bonus
                        + $ 40.00
Getting Started Kit
                                     Return                    $560.00
                             +
Investment $538.85
                                                                Slide 25 of 33
Example -
                                    You
Enroll four on CP, purchase a
Twin Pack Plus Two, and a 60
Gifting Pack



                                                              = 2,850 GV




How to Get Started:                  Return on Your Investment (ROI):
Twin Pack Plus Two        $149.85    Unilevel Pay                     $180.00
60 Gifting Pack           $750.00    Twin Pack Plus Two Bonus         $200.00
                                                                  ++ $720.00
Getting Started Kit     + $ 40.00    60 Gifting Pack Bonus
                             +
Investment $939.85                   Return                  $1100.00
                                                                Slide 26 of 33
KU Bonus Program




                           $120 Ultimate Renewal Pack




  • Enroll on Convenience Plan prior to order
  • Program ends on December 31, 2009



                                                Slide 27 of 33
Example -
                                    You
Enroll four on CP, purchase a
Twin Pack Plus Two, 60 Gifting
Pack, and Ultimate Renewal
Pack




                                                             = 4,850 GV


                                     Return on Your Investment (ROI):
How to Get Started:
                                     Unilevel Pay                     $360.00
Twin Pack Plus Two        $149.85
                                     Generation Pay                   $120.00
60 Gifting Pack           $750.00
                                     Twin Pack Plus Two Bonus         $200.00
Ultimate Renewal Pack     $499.00
                                     60 Gifting Pack Bonus        + $720.00
Getting Started Kit     + $ 40.00
                                     Ultimate Renewal Pack Bonus + $480.00
                             +
                                     Return                  $1880.00
Investment $1438.85
                                                                Slide 28 of 33
4. Weekly Pay




                Slide 29 of 33
eekly Pay on SKU Bonuses


• $50   Twin Pack Plus Two Bonus
• $20 – 10 Gifting Pack Bonus
• $60 – 30 Gifting Pack Bonus
• $180 – 60 Gifting Pack Bonus
• $120 – Ultimate Renewal Pack Bonus




                                       Slide 30 of 33
eekly Pay – Sponsor Qualification



  • Must have 100 BV each month
  • Must have an active Convenience Plan during the
    month you earn weekly pay




                    Checks mailed every Friday

                                                 Slide 31 of 33
*These figures are mathematical projections based on hypothetical, optimal conditions,
and should not be considered guarantees or projections of your actual earnings or
profits. Any representation or guarantee of earning, whether made by Univera or an
independent Univera Associate would be misleading. Success with Univera results
from successful sales efforts, which require hard work, diligence, and leadership. Your
success depends on how effectively you exercise these qualities. Note: 60% of all
Univera Associates earned between $34 USD and $830 USD from Jan. 2006 to Dec.
2006.




                                                                         Slide 32 of 33
Slide 33 of 33

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Univera 2009 Promotions

  • 1. Playing to Win 2009 Compensation Plan Enhancements Slide 1 of 33 © 2007 Univera. All rights reserved. Wednesday, December 31, 2008 1
  • 2. *These figures are mathematical projections based on hypothetical, optimal conditions, and should not be considered guarantees or projections of your actual earnings or profits. Any representation or guarantee of earning, whether made by Univera or an independent Univera Associate would be misleading. Success with Univera results from successful sales efforts, which require hard work, diligence, and leadership. Your success depends on how effectively you exercise these qualities. Note: 60% of all Univera Associates earned between $34 USD and $830 USD from Jan. 2006 to Dec. 2006. Slide 2 of 33
  • 3. even Rewards of Financial Renewal 1. Retail Commissions 2. Unilevel Pay 3. Generation Pay 4. Xcelerate Your Drive 5. Blue Diamond Pool 6. Incentives and Trips 7. Promotional Pay Slide 3 of 33
  • 4. gnite Recruiting Presentation Four Points Covered in this Presentation: 2 3 1 4 Rapid Rank SKU Bonus Rapid Rank Weekly Pay Matching Program Bonus Bonus • More front-end money (SKU Bonuses) • Paid Faster (Weekly Pay) • Flexible 4x4 ROI Story (SKU Bonuses) • Stronger payout for new recruits “Represents best • Stronger payout for leadership for performance of the past and • Consistency, consistency, consistency future combined.” • Simplicity Slide 4 of 33
  • 5. 1. Rapid Rank Bonus Slide 5 of 33
  • 6. apid Rank Bonus Rapid Rank Bonus for ALL of 2009 • New Associates enrolled on or after November 23, 2008 • Advance rank within scheduled timeframe • Lucrative bonuses paid after two and four consecutive months • Bonus amounts are accumulative Slide 6 of 33
  • 7. 2nd 4th Potential Advancement Ranks consecutive consecutive Accumulative Schedule* month month Bonus $600 Bronze Month 3 $200 $400 $3,000 Silver Month 3 $400 $2,000 $8,000 Gold Month 4 $1,000 $4,000 $18,000 Platinum Month 8 $2,000 $8,000 $42,000 Diamond Month 12 $4,000 $20,000 *Advancement Schedule means an Associate must be one month rank qualified by that month. Slide 7 of 33
  • 8. Scenario #1- 3 Months to Bronze Month Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Rank Associate Executive Bronze Bronze Bronze Bronze Monthly $50 $200 $400 $400 $400 $400 Commission Average Rapid Rank Total Six Month $0 $0 $0 $200 $0 $400 Commission Bonus Total Monthly $2,450 $50 $200 $400 $600 $400 $800 Commission us $600 Bon sidual $400 Re Slide 8 of 33
  • 9. Scenario #2- 3 Months to Silver Month Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Rank Executive Bronze Silver Silver Silver Silver Monthly $200 $400 $700 $700 $700 $700 Commission Average Rapid Rank Total Six Month $0 $0 $200 $400 $400 $2,000 Commission Bonus Total Monthly $6,400 $200 $400 $900 $1,100 $1,100 $2,700 Commission onus $3,000 B ual 700 Resid $ Slide 9 of 33
  • 10. Scenario #3- 4 Months to Gold Month Month Month Month Month Month Month Month 1 2 3 4 5 6 7 Rank Bronze Silver Silver Gold Gold Gold Gold Monthly $400 $700 $700 $1,800 $1,800 $1,800 $1,800 Commission Average Rapid Rank Total Seven Month $0 $200 $400 $400 $3,000 $0 $4,000 Commission Bonus Total $17,000 Monthly $400 $900 $1,100 $2,200 $4,800 $1,800 $5,800 Commission onus $8,000 B esidual $1,800 R Slide 10 of 33
  • 11. Scenario #4- 8 Months to Platinum Month Month 8 Month 9 Month 10 Month 11 Month 1 ~ Rank Platinum Platinum Platinum Platinum Month 7 Monthly $4,500 $4,500 $4,500 $4,500 Commission Average Advance to Gold Rapid Rank Total 11 Month $0 $2,000 $0 $8,000 Commission Bonus Total Monthly $45,000 $4,500 $6,500 $4,500 $12,500 Commission Bonus $18,000 idual ,500 Res $4 Slide 11 of 33
  • 12. Scenario #5- 12 Months to Diamond Month Month 12 Month 13 Month 14 Month 15 Month 1 ~ Rank Diamond Diamond Diamond Diamond Month 11 Monthly $15,000 $15,000 $15,000 $15,000 Commission Average Advance to Platinum Rapid Rank Total 15 Month $0 $4,000 $0 $20,000 Commission Bonus Total $129,000 Monthly $15,000 $19,000 $15,000 $35,000 Commission Bonus $42,000 sidual 5,000 Re $1 Slide 12 of 33
  • 13. 2. Rapid Rank Matching Bonus Slide 13 of 33
  • 14. apid Rank Matching Bonus Rapid Rank Matching Bonus for ALL of 2009 • 50% matching Rapid Rank Bonus paid to the Sponsor • Associates enroll on or before December 31, 2008 • Sponsor a new Associate between November 23, 2008 and December 31, 2009 Slide 14 of 33
  • 15. You Sr. Associates or above You Joe- Silver 50% Matching Rapid Rank Bonus Rapid Rank Bonus $3,000 $1,500 Slide 15 of 33
  • 16. You Sr. Associates or above You Jane- Gold 50% Matching Rapid Rank Bonus Rapid Rank Bonus $8,000 $4,000 Slide 16 of 33
  • 17. You 4 Associates- Gold You Rapid Rank Bonus 50% Matching $8,000 Rapid Rank Bonus $4,000 * 4 = $16,000 Slide 17 of 33
  • 18. 3. SKU Bonus Program Slide 18 of 33
  • 19. KU Bonus Program $50 Twin Pack Plus Two Bonus • Enroll on Convenience Plan prior to order • Program ends on December 31, 2009 Slide 19 of 33
  • 20. ompetitive Comparison #1 Enroll one on 100 BV: – Mona Vie $20 – Noni $24 – Xango $30 – Univera $65 Associates $85 Advantage Customers Slide 20 of 33
  • 21. ompetitive Comparison #2 Enroll four earn more: – Mona Vie $80 – Noni $96 – Xango $120 – Univera $260 Associates $340 Advantage Customers Slide 21 of 33
  • 22. Example - You Enroll four on CP with a Twin Pack Plus Two = 750 GV Return on Your Investment (ROI): How to Get Started: Unilevel Pay $ 60.00 Twin Pack Plus Two $149.85 Twin Pack Plus Two Bonus ++ $200.00 Getting Started Kit + $ 40.00 Return $260.00 Investment $189.85 + Slide 22 of 33
  • 23. KU Bonus Program $ 20 – 10 Gifting Pack Bonus $ 60 – 30 Gifting Pack Bonus $180 – 60 Gifting Pack Bonus • Enroll on Convenience Plan prior to order • Program ends on December 31, 2009 Slide 23 of 33
  • 24. Example - You Enroll four on CP, purchase a Twin Pack Plus Two, and a 10 Gifting Pack = 1,150 GV Return on Your Investment (ROI): How to Get Started: Unilevel Pay $ 60.00 Twin Pack Plus Two $149.85 Twin Pack Plus Two Bonus $200.00 10 Gifting Pack $125.00 + 10 Gifting Pack Bonus + $ 80.00 Getting Started Kit + $ 40.00 Return $358.00 Investment $314.85 + Slide 24 of 33
  • 25. Example - You Enroll four on CP, purchase a Twin Pack Plus Two, and a 30 Gifting Pack = 1,750 GV Return on Your Investment (ROI): How to Get Started: Unilevel Pay $120.00 Twin Pack Plus Two $149.85 Twin Pack Plus Two Bonus $200.00 30 Gifting Pack $350.00 + $240.00 + 30 Gifting Pack Bonus + $ 40.00 Getting Started Kit Return $560.00 + Investment $538.85 Slide 25 of 33
  • 26. Example - You Enroll four on CP, purchase a Twin Pack Plus Two, and a 60 Gifting Pack = 2,850 GV How to Get Started: Return on Your Investment (ROI): Twin Pack Plus Two $149.85 Unilevel Pay $180.00 60 Gifting Pack $750.00 Twin Pack Plus Two Bonus $200.00 ++ $720.00 Getting Started Kit + $ 40.00 60 Gifting Pack Bonus + Investment $939.85 Return $1100.00 Slide 26 of 33
  • 27. KU Bonus Program $120 Ultimate Renewal Pack • Enroll on Convenience Plan prior to order • Program ends on December 31, 2009 Slide 27 of 33
  • 28. Example - You Enroll four on CP, purchase a Twin Pack Plus Two, 60 Gifting Pack, and Ultimate Renewal Pack = 4,850 GV Return on Your Investment (ROI): How to Get Started: Unilevel Pay $360.00 Twin Pack Plus Two $149.85 Generation Pay $120.00 60 Gifting Pack $750.00 Twin Pack Plus Two Bonus $200.00 Ultimate Renewal Pack $499.00 60 Gifting Pack Bonus + $720.00 Getting Started Kit + $ 40.00 Ultimate Renewal Pack Bonus + $480.00 + Return $1880.00 Investment $1438.85 Slide 28 of 33
  • 29. 4. Weekly Pay Slide 29 of 33
  • 30. eekly Pay on SKU Bonuses • $50 Twin Pack Plus Two Bonus • $20 – 10 Gifting Pack Bonus • $60 – 30 Gifting Pack Bonus • $180 – 60 Gifting Pack Bonus • $120 – Ultimate Renewal Pack Bonus Slide 30 of 33
  • 31. eekly Pay – Sponsor Qualification • Must have 100 BV each month • Must have an active Convenience Plan during the month you earn weekly pay Checks mailed every Friday Slide 31 of 33
  • 32. *These figures are mathematical projections based on hypothetical, optimal conditions, and should not be considered guarantees or projections of your actual earnings or profits. Any representation or guarantee of earning, whether made by Univera or an independent Univera Associate would be misleading. Success with Univera results from successful sales efforts, which require hard work, diligence, and leadership. Your success depends on how effectively you exercise these qualities. Note: 60% of all Univera Associates earned between $34 USD and $830 USD from Jan. 2006 to Dec. 2006. Slide 32 of 33