Policies and Procedures:

The obligations and rights of all Greenwood Health Systems, Inc. Distributors are explained in this document.

By participating in the Greenwood Health Systems, Inc. Program, placing orders, referring others and/or accepting royalty/bonus checks, Distributors agree to be bound by these obligations, and agree to hold the Company harmless for anything they do which does not conform to these Policies and Procedures.

When a new Distributor is accepted into Greenwood Health Systems, Inc., they will choose a Distributor Username, which will be used for all transactions with Greenwood Health Systems, Inc.

Distributors also indemnify Greenwood Health Systems, Inc. for any possible damages that may result from any activities engaged in by them that do not conform to these policies and procedures.

Equal Opportunity:

Greenwood Health Systems, Inc. is open to people from all walks of life, regardless of sex, race, nationality, religious beliefs, political affiliations or age, as long as the applicant is at least 18 years of age, or of legal age in the state where they live, or is otherwise legally capable of entering into a contractual agreement.

Distributors:

Individuals may become Distributors by registering, placing their first product order, and providing the Company with their name, e-mail address and telephone number. Such registration with Greenwood Health Systems, Inc. may be by telephone, telefax, USPS or through the Internet.

Distributors may refer other individuals to Greenwood Health Systems, Inc. if they desire. However, in order to participate in the Company's Compensation Plan and earn royalties, bonuses, or any type of compensation, one must first qualify with a minimum AUTOSHIP order of product per month as determined by the then current and published Greenwood Health Systems, Inc. Compensation Plan.

All Distributors who choose to earn income by participating in the Company's Compensation Plan agree to abide by and be bound by these Policies and Procedures. Distributors must be of legal age in the state or country where they live.

Distributors must accept the Distributor Application and Agreement provided by the Company. They can then earn bonuses based on the volume of purchases made by other Distributors and/or Consumers they Sponsor directly and indirectly according to the Company's published Compensation Plan.

Distributors who request cancelation of their autoship order are immediately removed the matrix, have their Distributor status cancelled, and forfeit any accrued bonuses not yet paid to them.

Distributors who fail to make a monthly AUTOSHIP purchase will be notified that a second missed monthly AUTOSHIP purchase will result in cancellation of their Distributor position and any future possible income related to it. There is no minimum order requirement for Consumers in any one month. However, certain volume requirements as published in the Company's Compensation Plan are necessary for Distributors to receive the various royalties, bonuses and other forms of compensation.

Distributors are responsible for making certain that they order on or before the close of business, which is 2400hrs (GMT) or 1800hrs (CST) on the last business day of each month to qualify for bonuses.

Distributors are responsible for making certain that Greenwood Health Systems, Inc. receives good funds for that purchase.

If payment is made by debit or credit card and for any reason that payment is declined or rejected, the order cannot be processed and will not count toward qualification nor will compensation be paid on it.

Sponsor: Sponsor is the term used to define a Distributor who refers one or more individuals to Greenwood Health Systems, Inc. who then become Distributors.

The Sponsor is primarily responsible for ensuring their personally sponsored downline Distributors are properly trained with respect to the Greenwood Health Systems, Inc., Policies and Procedures, Compensation Plan, sound business practices and sales strategies on an on-going basis.

Sponsors must fulfill the obligation of performing a bona fide supervisory role in helping their sponsored Distributors develop their Greenwood Health Systems, Inc. business.
 

1. TERM OF REPRESENTATIVESHIP.

The initial term of Distributorship shall be INDEFINITE so long as they stay in good standing and active.

2. RELATIONSHIPS AND POSITIONS.

Each individual may hold ONE position. The position may be held as an individual, or in the form of a business entity such as a partnership, corporation, limited liability company, DBA or business trust, so long as they are in compliance with the laws of the jurisdiction in which that Distributor lives. While the company does not permit the practice of personal multiple positions, we understand that there are many who desire to have their families involved in this business with them and we have no restrictions on members of the same family each holding a single position each.

A. Death: Upon death or incapacity of the Distributor, his/her rights to bonuses and position, together with Distributorship responsibilities, shall pass to his/her legal successors in interest upon written request and approval by Greenwood Health Systems, Inc. Such permission shall not be unreasonably withheld.

The successors must complete a new Distributor Application and Agreement Form and fulfill all responsibilities of the Position in so far as performing the duties of sponsorship in order to receive compensation as provided by the Company's Compensation Plan. The successor shall, thereafter, be entitled to all the rights and subject to all the obligations of any other Greenwood Health Systems, Inc. Distributor, as long as they continue to meet the requirements of the Company's Compensation Plan and continue complying with the Policies and Procedures of the Company. If the person inheriting a position of a deceased Distributor already has an Greenwood Health Systems, Inc. position, that person must agree to do their best to maintain the business activities in both positions.

B. Divorce: If a married couple becomes divorced, they must notify the Company regarding which of them will assume responsibility for and ownership of the position. The Company will simply continue bonus payments to the position, however it was previously registered with the Company, until proper legal notification is provided to the Company with proper legal documentation.

4. SPONSORING POLICY.

A. Compensation: Distributors are compensated based solely on the sales of products.

No compensation is made for the act of sponsoring new Distributors.

B. First Application: Distributors have the right to sponsor others. In addition, every person has the ultimate right to choose his or her own Sponsor. If two Distributors should claim to be Sponsors of the same new Distributor, Greenwood Health Systems, Inc. shall regard the first application received by the company as controlling. In the case of a dispute between Sponsors, the Company reserves the right to make the final decision as to who the Sponsor shall be, based on all the information available to the Company at the time. If additional information becomes available at a later date, the Company reserves the right to modify its decision.

C. Compliance: By the act of sponsoring new Distributors into Greenwood Health Systems, Inc., Distributors must make the commitment to be Sponsors. If the sponsoring Distributor fails to follow through and complete the duties of a Sponsor as outlined herein, the Company, at its discretion, reserves the right to revoke or suspend privileges of a Distributor to sponsor other Distributors.

D. Age: There is no limit as to the number of new Distributors that can be sponsored by any one individual. However, all individuals sponsored into Greenwood Health Systems, Inc. must be 18 years of age or of legal age in the state or country (jurisdiction) where they live, and be legally capable of entering into a contractual agreement.

E. Cross line Sponsoring: Cross line sponsoring is the act of offering products or the income opportunity of another company to a Distributor of Greenwood Health Systems, Inc. who is not personally sponsored by you. In addition, suggesting any Greenwood Health Systems, Inc. Distributor, or group of Distributors, change their sponsorship is also defined as cross line sponsoring.

Cross line sponsoring, or attempting to do so, is absolutely forbidden and is grounds for suspension or termination as an Greenwood Health Systems, Inc. Distributor.

F. International Sponsoring: As the Greenwood Health Systems, Inc. opportunity is only available in the USA, international sponsoring is not permitted.

Attempting to sponsor or sell products in other countries may be grounds for suspension or termination.

5. SALE OR TRANSFER OF POSITION.

Distributors may sell, assign, or transfer their position only upon the written approval of Greenwood Health Systems, Inc.. The Distributor must provide the Company with a completed Sale or Transfer of Position Form. The position must first be offered to the Representative's Sponsor. The Distributor being offered the position for sale shall have ten business days from receipt of the offer to respond. If the offer is not accepted, it must then be offered to the next active upline Distributor, one at a time beginning with the nearest Distributor, and progressing upline. Equal terms of sale, including the requested price and terms, must be offered in writing to all involved parties . If the position being sold is not purchased by an upline Distributor within the organization as described herein, then the position may be sold to a Distributor in a different line or to someone who is not a current Greenwood Health Systems, Inc. Distributor, who desires to become one. If the position is offered for sale to someone outside of the original line, it must be offered and sold for the same price and conditions as it was offered to the upline Distributors. If the selling Distributor decides to sell at a new price and/or with new conditions, the new price and conditions must first be offered to the existing upline Distributors in the order described above. If the position is sold to an existing Greenwood Health Systems, Inc. Distributor, the new owner must operate the newly acquired position as a separate business entity from his or her original position, or collapse, sell or otherwise legally transfer the original position or the position being acquired. In any event, the downline of either position will remain intact within, as it was originally.. Any compensation and recognition will be determined solely by the qualifications of each and every individual position.

6. CHANGING SPONSORS.

Changing Sponsors is NOT permitted except in the following circumstance.

1. Resigning from Greenwood Health Systems, Inc. entirely and waiting six months to re-apply under a new Sponsor. If you resign from the Company you will lose any downline you have built.

7. RIGHTS GRANTED.

Greenwood Health Systems, Inc. grants the Distributor a non-exclusive right upon the terms and conditions contained in this Agreement, to purchase products and promote and sell its products in the United States and other countries where Greenwood Health Systems, Inc. permits.

8. INDEPENDENT BUSINESS RELATIONSHIP.

A. Independent Distributors: Distributors are independent. They are not franchisees, joint ventures', partners, agents or employees of Greenwood Health Systems, Inc. Distributors are prohibited from stating or implying, orally or in writing, that they are franchisees, joint ventures', partners, agents or employees of Greenwood Health Systems, Inc. Distributors have no authority to bind Greenwood Health Systems, Inc. to any obligation.

B. Indemnification: Each and every Distributor agrees to indemnify and hold harmless Greenwood Health Systems, Inc., its officers, agents, and directors against any claim, demand, liability, loss, cost, or expense, including but not limited to attorney's fees, arising or alleged to arise in connection with the Distributor or any other Representative's Greenwood Health Systems, Inc. business.

C. Hours: Each Distributor is encouraged to establish their own hours and determine their own methods of sale, so long as the Distributor complies with Greenwood Health Systems, Inc. Policies and Procedures.

D. Volume: Distributors are encouraged to keep track of their actual personal volume during any given month and not rely solely on the monthly volume figures provided by Greenwood Health Systems, Inc. as a courtesy to all Distributors.

E. Receivables: Greenwood Health Systems, Inc. reserves the right to deduct any accounts receivable balances owed by Distributors to Greenwood Health Systems, Inc. from the Representative's bonus and/or commission checks.

F. Pricing: Greenwood Health Systems, Inc. product prices and shipping and handling charges are subject to change at any time at the sole discretion of the company.

9. REPRESENTATIONS MADE BY Distributors.

A. Income Claims: No false or misleading income projections, including those based solely on mathematical projections without regard to probable sale success, may be made to prospective Distributors.

B. Product Claims: Distributors can only make claims regarding the benefits of Greenwood Health Systems, Inc. Products that are acceptable to local and federal regulatory agencies including, but not limited to, the U.S. Food and Drug Administration and the Federal Trade Commission.

C. Direct Purchasing: All Greenwood Health Systems, Inc. Distributors can buy product directly from the Company.

Purchases made between Distributors in the field and not processed by Greenwood Health Systems, Inc. are not eligible for return to the Company and are not eligible for royalty overrides and are considered private transactions between the Distributors.

10. INCOME AND OTHER TAXES.

Distributors will not be treated as employees, franchisees, joint ventures', agents or partners, with respect to the Internal Revenue Code, Social Security Act, Federal Unemployment Acts, or any other federal, state, or local statute, ordinance, rule, or regulation.

Distributors are responsible for paying local, state, and federal taxes due on earnings from commissions generated from the sale of Greenwood Health Systems, Inc. products.

Distributors residing in the United States of America shall provide a valid SSN or EIN to become eligible for the payment of bonuses.

Any Distributor residing in the United States of America who fails to provide a valid SSN or EIN is automatically disqualified from receiving any and all bonuses.

All Distributors shall comply with all federal, state, and local statutes and regulations relating to the operation of their businesses. All are responsible for their own managerial decisions and expenditures, including all estimated income and self-employment taxes.

11. SALES TAXES.

Some Greenwood Health Systems, Inc. products may be subject to sales tax in certain states. The amount of sales tax, if any, varies from state to state and at different localities within states. In order to ensure that governmental satisfaction of state sales tax requirements are met, it is the policy of Greenwood Health Systems, Inc. to collect and remit all applicable sales tax. The amount of sales tax is based upon the product's price calculated at the local tax rate of the person to whom the products are being shipped. Distributors can recoup their prepaid sales tax at the time of sale, if and when they resell Greenwood Health Systems, Inc. products. Distributors who prefer to collect and remit sales tax themselves, must furnish Greenwood Health Systems, Inc. with a true and correct copy of their current state approved resale tax certificate showing their resale tax number along with any additional information required by the Company from time to time. In the absence of a bona fide resale tax certificate, Greenwood Health Systems, Inc. will continue to collect sales taxes until such time as a bona fide resale tax certificate is received.

12. SEVENTY PERCENT RULE.

The Company encourages retailing of products to other consumers. We do not allow front loading or excessive purchasing of inventory. In order to guard against such practices, Greenwood Health Systems, Inc. requires that by placing their orders, every Distributor certifies that they have sold or consumed at least 70% of the products contained in their prior orders.

13. PAYMENT OF COMMISSIONS / BONUSES.

A. Definitions: Distributors are compensated, with basic commissions, for the sale of Greenwood Health Systems, Inc. products in their organization. These commissions can be earned based on the specifications of the Greenwood Health Systems, Inc. Compensation Plan.

B. Special Programs: Greenwood Health Systems, Inc. may offer special programs from time to time, that may become a part of the basic Compensation Plan or remain as extras, either optional or obligatory. To participate in these special programs and the compensation that may result, Distributors must comply with the requirements of each individual program.

C. Special Privileged Compensation: Services and Programs: Distributors are qualified to receive compensation based on the basic Compensation Plan by complying with the Policies and Procedures of Greenwood Health Systems, Inc. and meeting the volume and activity requirements of the Compensation Plan. However, additional bonuses and other forms of compensation may be made available based on certain specific requirements. These bonuses and services relate to the serious business builder and are considered privileged. For Distributors to receive these privileged bonuses requires special agreement between Greenwood Health Systems, Inc. and the Distributor, and may include special caveats such as non-compete clauses.

D. Monthly: All Commissions and achievement levels are calculated on a calendar or monthly basis. It is the responsibility of the Distributor to have placed all their orders that they wish to have credited to any given month's business by the end of the last business day of that month. It is also their responsibility to make certain that bona fide payment is made at the same time. Credit card payments and electronic check transfers that cannot be processed due to lack of funds cannot be accepted and will result in the order not being credited.

E. Check Dates: Commission checks that amount to twenty dollars or more are mailed by the Company, or direct deposited into the designated account of the Distributors no later than the tenth business day of the month following the month in which those commissions were earned. For example, commissions earned during the month of August are paid on the tenth business day of September. The exact business day depends on the year, including allowances for legal holidays. Other special bonuses are mailed according to the specifications of the Company's Compensation Plan.

F. Bonus Check Cashing: Bonus Checks received by Distributors are good and payable for ninety days from the date they are written and are automatically voided after ninety days.

14. DISPLAY AND USE OF NAME.

A. Advertising: The name Greenwood Health Systems, Inc. and the names of Greenwood Health Systems, Inc. products are trademarks of Greenwood Health Systems, Inc. Only the Company is authorized to produce and market products and literature under these trademarks. Use of the Greenwood Health Systems, Inc. name on items not produced by Greenwood Health Systems, Inc. must be accompanied with the Representative's Name and "Distributor" and must comply with Company Policies.

B. Literature and Sales Literature: Distributors are requested to submit proposed literature to the Company for approval.

C. Print Advertising: Greenwood Health Systems, Inc. Distributors shall only advertise Greenwood Health Systems, Inc. products or the Company's Compensation Plan consistent with the policies of the Company. Distributors agree to make no false or fraudulent representation about Greenwood Health Systems, Inc., the products, the compensation plan, or income earning potentials.

D. Blind Ads: As a Distributor of Greenwood Health Systems, Inc. you are not restricted from promoting your business in any legal manner, and may advertise without approval from Greenwood Health Systems, Inc. by using "blind ads." Blind ads are any written, video, or audio advertisements that do not use the Greenwood Health Systems, Inc. names or trademarks. Still these ads must be honest, ethical and comply with local, state and federal guidelines.

15. TELEPHONE USAGE.

A. Telephone Solicitation: The use of the Greenwood Health Systems, Inc. name or copyright may not be made with automatic calling devices or "boiler room" operations either to solicit new Distributors or retail customers.

B. Telephone Answering: A Distributor shall not answer the telephone with simply Greenwood Health Systems, Inc. or in any manner that gives the impression that the caller has reached an official Greenwood Health Systems, Inc. Office.

16. LABELING AND PACKAGING.

17. TRADE SHOWS.

18. THE INTERNET.

No Distributor may set up any type of web site that mentions (or links to) Greenwood Health Systems, Inc. unless all material used on that site has been previously approved by Greenwood Health Systems, Inc.. No Representative's web site may give the impression to one using the Internet that they have reached the Greenwood Health Systems, Inc. corporate web site.

The use of "SPAM" as a marketing practice is not tolerated. Greenwood Health Systems, Inc. is committed to permission-based email marketing practices, and as a result has established a ZERO-tolerance Anti-Spam Policy. Any Distributor who is shown to be using ANY form of SPAM to promote our company, products or opportunity will have their distributorship immediately cancelled.

19. CHANGES IN POLICY.

Greenwood Health Systems, Inc. expressly reserves the right to alter or amend product prices, Policies and Procedures, and the Compensation Plan. Upon notification to the general Distributorship, any amendments are automatically incorporated as part of the agreement between Greenwood Health Systems, Inc. and its Distributors.

20. CANCELLATION, RESIGNATION AND TERMINATION.

A. Voluntary Cancellation:

Distributors may voluntarily terminate their Distributorship status at any time by sending a signed resignation notice to Greenwood Health Systems, Inc.. Distributors who have resigned may not reapply for Distributorship for a period of six calendar months.

Distributors acknowledge that any attempt to "Chargeback" their credit card to illegally obtain refunds they are not entitled to shall be subject to both criminal and civil prosecution under the applicable fraud laws and agrees to pay damages to Greenwood Health Systems, Inc. and any and all legal fees incurred by Greenwood Health Systems, Inc. in the enforcement of these rights.

B. Involuntary Cancellation:

Greenwood Health Systems, Inc. reserves the right to terminate any Distributor who violates any of the terms of the Distributors Application and Agreement, Policies and Procedures, or for any other just cause deemed not in the best interest of the Company or it's Distributorship. Involuntary termination is effective when the formal written notice is mailed by certified mail with return receipt requested to the Distributors current address as shown on Greenwood Health Systems, Inc. records, or when the Distributor receives actual notice, whichever occurs first. If a terminated Distributor reapplies, the Company has sole discretion whether the application is approved.

C. Appeal:

A terminated Distributor may appeal their termination by submitting a letter of appeal that states the grounds for their appeal. This letter must be received by Greenwood Health Systems, Inc. within fifteen days of the date of the mailing of the original termination notice from Greenwood Health Systems, Inc.. If Greenwood Health Systems, Inc. has not received a letter of appeal within fifteen days, the termination shall automatically become final. If the Distributor desires, he or she may file an appeal for reconsideration, and must file their appeal before submitting to binding arbitration regarding the termination. If the Distributor files a timely appeal, it will be reviewed and the termination reconsidered by an impartial appeals panel established by the Company, and the Distributor will be notified of the decision. The decision of the panel shall be final and subject to no further review. If the appeal is denied, the termination shall remain in effect as of the date of the Greenwood Health Systems, Inc. original termination notice.

D. Effect of Termination:

Voluntary or Involuntary termination will result in the Representative's loss of the rights to their sponsored downline organization and their status in Greenwood Health Systems, Inc.. The downline organization then moves upline to the next active Sponsor in the terminated Representative's upline and remains there whether or not the terminated or terminating Distributor subsequently reenters the Company's Compensation Plan. This holds true unless the Distributor has successfully appealed an involuntary termination.

The terminated Distributor agrees to immediately cease representing themselves as a Distributor. Should a terminated Distributor continue to represent themselves as a Greenwood Health Systems, Inc. Distributor, they will be subject to legal action.

21. RETURN POLICY.

Product Guarantee / Refund Policy:

Preferred or Retail Customers: Greenwood Health Systems, Inc. offers a thirty-day (30 day) money-back guarantee on products sold to non-Distributors, excluding shipping and handling charges. Every Greenwood Health Systems, Inc. Distributor is responsible for honoring this guarantee.

Distributors: If a Distributor is dissatisfied with their FIRST ORDER of any Greenwood Health Systems, Inc. product under the Company's guarantee policy, he or she may return it to Greenwood Health Systems, Inc. within 30 days from the date of purchase for either credit or refund of the purchase price, excluding commissions paid, shipping charges and handling fees.

If a Distributor receives a defective product, they may return it for an exchange.

Any Distributor returning any FIRST ORDER and requesting a refund (as opposed to an exchange product) for whatever reason shall be given a full refund excluding commissions paid, shipping charges and handling fees, if such order is returned within the 30 days of purchase. Once the applicable refund has been paid to the distributor, the distributor shall be permanently removed from our database, and shall not be eligible to rejoin or make any further product purchases at any time. 

22. LEAD ASSIGNMENT POLICY.

Greenwood Health Systems, Inc. reserves the right to make final determinations with respect to distribution or retention of company generated leads.

23. METHOD OF PAYMENT.

Greenwood Health Systems, Inc. will accept payment in United States funds by Check, Money Order, Cashier's Check, VISA, MasterCard, Discover Card. Each order must have its own individual payment.

24. CHANGE OF ADDRESS, NAME, STATUS.

Report all changes of address, personal name, marital status, or other pertinent information to Greenwood Health Systems, Inc. as soon as possible after the change. Changes must be provided to the Company in writing to avoid mistakes and so that proper verification can be established.

25. SHIPPING.

Greenwood Health Systems, Inc. normally ships products by The USPS Priority Mail Service. At discretion of the Company, different shippers may be selected from time to time.

26. GENERAL PROVISIONS.

A. Record Keeping: Greenwood Health Systems, Inc. encourages Distributors to keep accurate records of all their business activities.

B. Government Endorsement: Greenwood Health Systems, Inc. abides by all rules and regulations of each state and federal government with regard to the operation of network marketing companies. However, federal and state regulatory agencies do not specifically approve or endorse any direct selling programs. Therefore, Distributors may not represent or imply, directly or indirectly, that the Greenwood Health Systems, Inc. program has any specific endorsement by any governmental agency.

C. Non-Waiver Provision: Failure of Greenwood Health Systems, Inc. to exercise any rights stated in the Policies and Procedures, Compensation Plan, Representative's Application and Agreement, Terms of Sale, or to insist upon strict compliance by a Distributor with any obligation or provision herein, shall not constitute a waiver of the Company's right to demand exact compliance herewith. Waiver by Greenwood Health Systems, Inc. can be effected only in writing by an authorized officer of Greenwood Health Systems, Inc.. Any Greenwood Health Systems, Inc. waiver of any particular default by a Distributor shall not affect or impair the Company's rights with respect to any subsequent default, nor shall it affect in any way the rights or obligations of any other Distributor. Nor shall any delay or omission by Greenwood Health Systems, Inc. to exercise any right arising from default affect or impair the Company's rights as to that or any subsequent default.

D. Jurisdiction and Venue: This agreement is governed by the laws of the State of Kansas and the parties agree that any claim, dispute or other difference shall be resolved by binding arbitration pursuant to the Commercial Arbitration Rules of the American Arbitration Association with arbitration to occur at a location selected by Greenwood Health Systems, Inc. Louisiana residents may choose venue in state or federal court in Louisiana, or arbitration in New Orleans. This Agreement is binding upon the successors and assigns of both parties.

E. Entire Agreement: This statement of Policies and Procedures is incorporated into the Distributor Application and Agreement and constitutes the entire agreement of the parties regarding their business relationship.

27. PASSWORDS.

Any passwords given to Distributors to enable such Distributors to access areas of either the Greenwood Health Systems, Inc. web site, the Distributors Backroom web site or any other site so designated by the company are for the exclusive use of that Distributor. These passwords are not to be given to any other person at any time. Failure to abide by this, or attempting to do so, is absolutely forbidden and is grounds for suspension or termination as a Greenwood Health Systems, Inc. Distributor.

28. CREDIT CARD CHARGES AND CREDIT CARD FRAUD PENALTIES.

Buyer warrants that he or she is over 18 years of age, not subject to the Child Online Privacy Act, of legal age to enter into contractual agreements in the state in which he is present when he makes this purchase, and is the true and authorized owner of the credit card used to make this purchase. Any Buyer who violates any of these requirements may be liable for civil or criminal prosecution and agrees to pay liquidated damages of an amount the equivalent of US$10,000 per fraudulent transaction, plus actual damages, and agrees that all information collected by this website may be used for prosecution and may be turned over to law enforcement agencies or to credit card companies and merchant service providers.

If the true and/or authorized owner of the credit card attempts to commit fraud upon the Seller, he authorizes each and every credit card company or merchant service provider to disclose to the Seller all information that could be construed as proof of credit card fraud.

Any Buyer who attempts to perpetrate a fraud upon Seller involving the use of a credit card herewith gives authorization for the Seller to access all credit information about the Buyer from credit reporting agencies and also authorizes the Seller to discover all relevant information from any source about the fraudulent practices of the Buyer and to reveal such information to credit reporting agencies, credit card companies, merchant service providers, and law enforcement agencies.

Buyer agrees that if he uses trickery to receive more than one refund, or if he causes a fraudulent dispute claim that results in a chargeback against the Seller's account, that the Seller is authorized to re-charge the Buyer's credit card that was used for the original purchase to the extent that will make the Seller whole.

Buyer agrees to, in addition to actual damages, pay to the Seller liquidated damages of an amount equivalent to US$10,000 for every separate fraudulent action Buyer commits.

29. ETHICAL BUSINESS PRACTICES.