1. REQUIREMENTS TO BECOME AN INDEPENDENT AFFILIATE
Those applying to become Independent Affiliates must meet certain criteria prior to qualifying. Additionally, to become a successful MOR Vacations Independent Affiliate, it is highly recommended that all MOR Vacations Independent Affiliate applicants have a personal computer and email. All applicants must be the age of majority within the state which he/she resides. Applicant must then submit an official MOR Vacations Application online, which must be fully completed, including the applicant's social security number, and including the on-line acceptance of the Independent Affiliate Agreement and associated Policies & Procedures. Once the application is submitted, MOR Vacations will review the application and notify the applicant by email if their application has been accepted. Individuals who are married may each have their own Independent Affiliateship; however the partners cannot be sponsored in different organizational lines. One partner must be the sponsor of the other. Any attempts at dual-line sponsoring will result in termination by MOR Vacations. An individual MOR Vacations Independent Affiliate may change to a business entity Independent Affiliate by notifying MOR Vacations. MOR Vacations reserves the right to accept or reject anyone as an Independent Affiliate.

2. PARTNERSHIP OR CORPORATION REQUIREMENTS
Partnerships, Corporations or other business entities may become authorized MOR Vacations Independent Affiliates. A business entity which registers as MOR Vacations Independent Affiliate must include its Tax ID number, also called the Federal Employer's Identification Number (FEIN) on its application. If more than 50% of the ownership interest in the Independent Affiliate business entity changes, that shall be considered a transfer of the Independent Affiliateship, and subject to approval by MOR Vacations. MOR Vacations reserves the right to accept or reject any business entity as an Independent Affiliate.

3. TRANSFER OF MEMBERSHIP
Member may not transfer or sell said Membership for a period of 12 months. After the completion of the 12th month of Membership, member may transfer or sell their Membership by completing a Membership Transfer Form available on the MOR Vacations website. I understand that I must pay all required transfer fees, and that in order to transfer, all dues shall be current. I also understand that MOR Vacations will not resell or repurchase the Membership from or for member.

4. SPECIFIC MEMBERSHIP RESTRICTIONS AND CONDITIONS
a) AIRLINE RESERVATIONS - MOR Vacations is able to obtain airfares with no extra ticket fee surcharges. A reservation does not guarantee your airfare. Prices are only guaranteed when paid. Payment for airline tickets must be made by credit card or debit card. Under no circumstances will tickets be sent out on an open account. There are no rebates on airfare.
b) RESORT CONDOMINIUMS - MOR Vacations has availability of one or two bedroom units (larger units available at extra cost) of Resort condos worldwide. Inventory lists may be accessed at our website. Condos cost up to 85% off by the day or week, with hundreds of thousands of weeks to choose from. The inventory is available to you 24 hours a day on our website. Each link may operate slightly differently. VIP members have access to special requests or inventory not found on the website. If you are a VIP member in good standing your request may be faxed, mailed, or e-mailed to our office. Special requests must include three alternate locations and three alternate dates of travel in the event accommodations are not available on your requested date. To best serve you, allow 2 - 4 weeks for us to shop our many resources for your special request. These locations are not on a computer and require personal phone calls and negotiations by our agents to get you the best possible rate. Remember that you may request reservations or availability for a given resort area, but you may not request specific resorts. For instance, if you wish to go to the Disney World area, we may find availability in Orlando, Altamonte Springs or Kissimmee to fill your request. When placing a request for condominium accommodations, you must have a credit card available at the time of placing your order so that we may secure your space; otherwise it is subject to being bumped by the first monetarily secured reservation that comes in after yours. Your credit card will not be charged without your permission and confirmation. Due to their nature special requests generally cost more than the condos on the website. All special requests must be accompanied by a signed special request form faxed into our office. Once a reservation is booked there are no refunds.
c) DISCOUNT CAR RENTALS - The discounts enumerated in the agreement with car reservation agencies are off of their list prices. It is common place for such rental agencies to depart from listed rates to create their own city specials. In order to rent a car from any car rental company, you must present a valid driver's license, credit card and your membership card to the rental agent. Very few car rental companies will accept cash, and when they do, a large cash deposit will be needed. Many car companies do not accept debit cards. If a car Rental Company does accept a debit card, conditions are added to the reservation at the discretion of the car rental company.
d) CRUISES AND TOURS* - We are able to negotiate prices up to 50% off cruise lines. The further from cruise time, typically the cheaper the fares that companies quote on a direct basis for their product. Call the VIP booking phone number to get a quote and book. Any rebate that you may receive will take up to 30-90 days to process after you have traveled & will automatically be mailed to your address on file.
e) GOLF, RECREATION, AND SKI - Each online directory offers discounts of up to 50% on ski lift fees, green fees, and recreational activities, such as go-karts, putt-putt golf, etc. Follow the guidelines listed in the directory for usage.
f) HOTELS AND MOTELS - The hotels and motels that we have available for up to 65% discounts, off of the rack rates, are those that are located within the directory on our website. If a hotel/motel is filled, or expects to be filled, it may not accept discount reservations. The discount is off rack rates or standard room rates and does not apply to other discounts that the hotel or motel may offer, which may reduce the discount percentage. For Our VIP Members only; if you have any difficulty making reservations, please call our toll-free VIP number for assistance and we will make a call to that location, if necessary, should your privilege not be honored for any reason other than no vacancies.

5. MEMBERSHIP PURCHASE ACKNOWLEDGMENTS
Member agrees that they have purchased their Membership absent any duress or undue influence and that the Membership was not purchased for investment purposes, but rather for future and current recreational enjoyment for member and their family. Member freely entered into this contract and is of legal age and financial means to do so. Member realizes that Membership is not a timeshare or real estate transaction and that MOR Vacations is not an exchange organization, travel broker, travel consolidator, or buyers' club. All accommodations are made on a space-available basis and prices vary according to time, season, and location. Once a condo reservation is confirmed, there are no refunds or cancellations.

6. SPONSORSHIP
Active MOR Vacations Independent Affiliates may sponsor new potential Independent Affiliates anywhere within the United States or its Territories. Every MOR Vacations Independent Affiliate may choose its own sponsor when they initially apply for an Independent Affiliateship with MOR Vacations. Or in the event the applicant does not know any MOR Vacations Independent Affiliates, the company will assign one of its active Independent Affiliates. In the event that two Independent Affiliates claim to be the sponsors of the same new Independent Affiliate, MOR Vacations shall acknowledge the first application received at corporate headquarters. In the event of disputes, MOR Vacations reserves the right to make final decisions. Any cross sponsorship or cross recruiting is strictly prohibited within the MOR Vacations organization. Cross sponsorship and cross recruiting are the acts of recruiting, soliciting, or attempting to solicit Independent Affiliates or customers within another Independent Affiliates business organization into switching business organizations or recruiting, soliciting, or attempting to solicit Independent Affiliates of MOR Vacations into another business opportunity. There is no fee for joining MOR Vacations as an Independent Affiliate, however if an Independent Affiliate wishes to use the website without making a membership purchase an annual fee of $159.00 will be charged to cover the website setup and hosting fees for the year. This fee is waived for any Independent Affiliate who makes a personal purchase because website access and setup is already included in the price of membership. If an Independent Affiliate so chooses, they may retail the MOR Vacations products without use of the website and thereby avoid the $149 setup and hosting fee.

7. RESPONSIBILITY OF SPONSORS
All MOR Vacations Independent Affiliates have an obligation to help supervise and train the new Independent Affiliates that they sponsor. Sponsors are advisors and mentors to their new down-line Independent Affiliates. (Note: Down-line Independent Affiliates are defined as any Independent Affiliate that is directly sponsored by an up-line Independent Affiliate, or any other Independent Affiliate within a direct line to that Independent Affiliate.) As an Independent Affiliate with sponsored down-line Independent Affiliates, and their sponsored Independent Affiliates (your "sales organization"), you must maintain sufficient contact and communication with your sponsored Independent Affiliates to help them succeed in their business. This should include written correspondence, telephone contact, email contact, newsletters, personal meetings, and training sessions.

8. NETWORKING COOPERATION
It is to the advantage of MOR Vacations Independent Affiliates, as well as MOR Vacations, for Independent Affiliates to pro actively cooperate with each other for the mutual success of the entire MOR Vacations organization. MOR Vacations supports an environment of teamwork and cooperation.

9. TRANSFERS OF SPONSORSHIPS
MOR Vacations prohibits any transferring from one sponsorship to another. The integrity of the entire network organization is based on the strength of the structure within the network. The allowance of transfers will only be allowed under extreme circumstances and at the sole discretion of MOR Vacations. An Independent Affiliate will generally only be allowed to transfer sponsorship lines by way of written resignation to the company. Once resignation is accepted, the former Independent Affiliate may then choose to rejoin the network six (6) months later under a new sponsor. IMPORTANT: Independent Affiliates who choose to resign and return will not be allowed to transfer their downline or qualified position with them. In other words a resigning Independent Affiliate will start from the beginning as a new Independent Affiliate.

10. DEATH OF INDEPENDENT AFFILIATE
In the event of the death of an Independent Affiliate, the Independent Affiliate maintains his/her rights to commissions and their marketing position. These commissions, marketing position, as well as membership duties and responsibilities shall be passed to the successor in interest upon written notice to MOR Vacations. MOR Vacations requires a certificate of death and a certified copy of the will, trust or other device before the company may effect transfer of the deceased Independent Affiliate's membership to the named transferee. The successor Independent Affiliate shall be required to execute a new MOR Vacations application

11. SALE OF INDEPENDENT AFFILIATESHIP
Independent Affiliates are at liberty to sell or assign their Independent Affiliateships for the current marketable price at any time, however, such sale or assignment is subject to MOR Vacations' approval of the new owner, which shall not be unreasonably withheld, and subject to the receipt of a fully completed application by the new owner. MOR Vacations reserves all rights to accept or reject any agreements of sale or transfer based on qualifications of purchaser, misrepresentation by seller, or any other issues that may arise resulting in potential detriment to MOR Vacations.

12. REPRESENTATIONS BY INDEPENDENT AFFILIATES
Independent Affiliates are independent contractors, fully responsible for their own business procedures and are not to be considered purchasers of a franchise or employees of MOR Vacations. The agreement between MOR Vacations and its Independent Affiliates does not create an employer/employee relationship, agency, partnership or joint venture between MOR Vacations and the Independent Affiliates. Independent Affiliates must not represent themselves in any way, orally or in writing, as being an agent or employee of MOR Vacations. Independent Affiliates have no authority to bind MOR Vacations to any obligations. Each Independent Affiliate shall hold MOR Vacations harmless for any claims, damages or liabilities arising out of the Independent Affiliates own business practice. MOR Vacations will take aggressive action to insure that Independent Affiliates who violate this policy are immediately terminated. Independent Affiliates are responsible for any expenses which result from their business operations, including, but not limited to, advertising, taxes, fees, legal costs and shipping expenses. Independent Affiliates may not use the MOR Vacations name on any written or electronic forms or documents (e.g. stationery, bank checks, business signs, email) without stating "Independent Affiliate" in close proximity to the name MOR Vacations.

13. RETAIL SALES
MOR Vacations products may only be sold by authorized MOR Vacations Independent Affiliates. Independent Affiliates may sell only to retail customers for their personal use, not for resale to other consumers. MOR Vacations Independent Affiliates should explain to customers that if they wish to sell MOR Vacations products to others, they should elect to become an authorized MOR Vacations Independent Affiliate. The sale of MOR Vacation's products to retail customers is the foundation of MOR Vacations. The entire commission plan of MOR Vacations is a structure based upon volume of end-user sales by the individual Independent Affiliates, as well as their entire organization.

14. VACATION PACKAGE REGULATIONS
All travel requests must be called in by the actual Member, and must be authorized and signed off on by Member prior to any booking. Travel may be canceled or changed by a vendor or supplier, with no liability to MOR Vacations, and no refund allowable, other than the actual price paid by Member. MOR Vacations shall be free to add, subtract, or substitute any supplier, vendor, or inventory at their sole discretion, with no liability to Member. Membership is personal in nature and may be used for Member and immediate family; however, all reservations must be made by Member only.

15. RETAIL SALES IN STORES OR OTHER OUTLETS
MOR Vacations products are not sold in stores or other outlets, and can only be sold by MOR Vacations Independent Affiliates to end-customers for their own use. However, official MOR Vacations literature, along with the Independent Affiliate's official MOR Vacations business card, may be displayed at a retail store or outlet. Sales of MOR Vacations products are also prohibited through on-line auctions, including, but not limited to, EBay. This policy is necessary to prevent "short selling" of the MOR Vacations products for purposes of qualification, and to protect the integrity of the entire organization.

16. UNETHICAL BEHAVIOR OR ACTIVITY
MOR Vacations Independent Affiliates will be immediately terminated, if, at the sole discretion of MOR Vacations, they are determined to be carrying out unprofessional or unethical marketing efforts or practices while representing the company.

17. REFUND POLICY
MOR Vacations provides a 100% refund policy, less shipping and handling, for three days after purchase of product by customers or Independent Affiliates (72 hours from date of purchase). Payment will be made directly to the purchaser upon return of the product in resalable condition within the timing allowed. If a sale is made by an Independent Affiliate direct to the customer, Independent Affiliate shall be responsible for insuring that the customer is informed of the refund/return policy. Independent Affiliate shall further be responsible for any refund on products sold directly to a customer. Any software product or downloaded product will not be eligible for refund at any point after the download has occurred. This "no refund" policy shall extend to password accessible items, once a password has been entered and access granted. This policy is necessary to prevent fraud and the theft of materials; it is intended to protect both the Company and the Independent Affiliates. Any other refunds may be made at the sole discretion of the MOR Vacations. Any purchase that is financed via a payment plan offered by MOR Vacations will have no refund rights whatsoever. Furthermore certain restrictions may apply to the delivery of portions of the product until such time as a good payment history has been established.

18. SEVENTY PERCENT (70%) RULE
At the present time MOR Vacations does not market any products that may be purchased in quantity for resale. If at such time products or services are added that may be inventoried by Independent Affiliates the following rule shall apply: When MOR Vacations Independent Affiliates order product, they must certify that they have sold at retail at least 70% of all prior product purchased. An Independent Affiliate will be allowed by MOR Vacations to purchase a reasonable amount of product for personal use and enjoyment as well as to be used as sales samples. The company will monitor compliance with this rule, and any fraudulent information supplied by the Independent Affiliate will be grounds for termination of the Independent Affiliateship. MOR Vacations strictly prohibits the purchase of products in unreasonable amounts solely for the purpose of qualifying for commissions or advancement within the compensation plan. All such forms of frontloading or stockpiling are strictly prohibited.

19. SALES TAX
All products may be subject to the sales tax in the state, county, or city that levies such a tax and in which a sale may occur. This tax should be calculated on the sale price of applicable purchases.

20. INDIVIDUAL TAXES
Each MOR Vacations Independent Affiliate is responsible for reporting and paying his/her taxes at the federal, state and local levels. At the end of the calendar year, for all Independent Affiliates earning $600.00 or more for the calendar year, MOR Vacations will send the Independent Affiliate and the Internal Revenue Service a 1099 form reporting the Independent Affiliate's annual income from MOR Vacations.

21. PROPRIETY NATURE OF DOWNLINE REPORTS
MOR Vacations may from time to time supply data processing information and reports to MOR Vacations Independent Affiliates concerning their down-line organizations. The Independent Affiliate agrees that such information is proprietary and confidential to both MOR Vacations and the individual Independent Affiliate, and is transmitted to the Independent Affiliate in confidence for his/her internal use while managing their business. The Independent Affiliate agrees that he/she will not disclose such information to any third party directly or indirectly, nor use the information to compete with MOR Vacations directly or indirectly. The Independent Affiliate and MOR Vacations agree that, but for this agreement of confidentiality and nondisclosure, MOR Vacations would not provide the above confidential information to the Independent Affiliate.

22. AMENDMENTS
MOR Vacations expressly reserves the right to alter or amend wholesale prices, product availability and/or formulation, policies and procedures, and the compensation plan. Such amendments are automatically incorporated as part of the agreement between MOR Vacations and the Independent Affiliate when published in official company literature.

23. PRODUCT AND INCOME CLAIMS
MOR Vacations Independent Affiliates shall not make false nor fraudulent representations about the company, its products, services, compensation plan or earnings potential. This includes the showing of checks, statement of earnings, or potential earnings. One person's earnings may not be typical of another's earnings; therefore, no income claims are allowable. In addition, Independent Affiliates shall not make any claims for or about MOR Vacations products which are not supported by facts contained in official company literature or on the company website.

24. INDEPENDENT AFFILIATE CHANGE OF ADDRESS
MOR Vacations Independent Affiliates shall be responsible for immediately reporting any change of their contact information to MOR Vacations.

25. RESIGNATION OF AN INDEPENDENT AFFILIATE
Independent Affiliates have the right to terminate their agreement at any time and for any reason, or without reason, and without penalty, by giving written or email notice to MOR Vacations at its principal place of business. Upon receipt of the notice, all rights to commissions, position, and wholesale purchases shall immediately cease, and the Independent Affiliate shall no longer be entitled to advertise, sell, or promote MOR Vacations products. The former Independent Affiliate's down-line shall be transferred to his/her sponsor. Resigning Independent Affiliates are not eligible to be sponsored into MOR Vacations again for a period of six (6) months following the date of termination.

26. DORMANCY BY INACTIVITY
After nine (9) months of consecutive inactivity, a MOR Vacations Independent Affiliate will be classified as dormant. Inactivity shall be defined as a period in which no retail sales are made by or made within an Independent Affiliate's downline organization.

27. TERMINATION OF INDEPENDENT AFFILIATE MEMBERSHIP
MOR Vacations reserves the right to terminate any Independent Affiliate at any time, or suspend said Independent Affiliate for a probationary period, when it is determined that the Independent Affiliate has violated the provisions of the Independent Affiliate Agreement, including the provisions of these Policies and Procedures as they now exist or may be amended, or the provisions of applicable laws and standards of fair dealing. Upon such a termination, the company shall notify the Independent Affiliate by mail at the latest address listed with the company. The terminated Independent Affiliate shall immediately cease representing himself/herself as a MOR Vacations Independent Affiliate, and will not be allowed to become a MOR Vacations Independent Affiliate again in the future. Where applicable state law on termination of an Independent Affiliate is inconsistent with company policy, such state law termination procedures shall be in force. If the Independent Affiliate wishes to appeal the termination, MOR Vacations must receive the appeal, in writing, within fifteen (15) days from the date of mailing of the company's termination letter. If the appeal is not received with the 15 day period, the termination will be automatically deemed final. If the Independent Affiliate files a timely appeal of termination, MOR Vacations will review and reconsider the termination, consider any other appropriate action and notify the Independent Affiliate of its decision. The decision of the company will be final and subject to no further review. In the event that the termination is not rescinded, the termination will be effective as of the date of the company's original termination notice. Upon termination of an Independent Affiliate, all rights to commissions, position, and wholesale purchase rights cease. The terminated Independent Affiliate will not be eligible for future sponsorship.

28. INDEPENDENT AFFILIATE ADVERTISING
Because MOR Vacations Independent Affiliates are independent contractors, they may promote their business in any legal and ethical manner, and may advertise without company approval, provided that they do not use the corporate name, logo or trademarks. Notwithstanding, any MOR Vacations Independent Affiliate advertisement which utilizes the MOR Vacations name, logo or trademarks, must also clearly state, in close proximity to the MOR Vacations name, logo or trademarks, the words "Independent Affiliate". MOR Vacations Independent Affiliates shall not answer their phone, nor carry on phone or email discussions, in any manner that would give callers reason to believe that they have reached, or are talking to, the corporate offices of MOR Vacations. Only an official MOR Vacations website, as provided by MOR Vacations to the Independent Affiliate, shall be used by the Independent Affiliate to carry on his/her business selling MOR Vacations products. The MOR Vacations website shall not be altered, nor linked to other websites which may contain information or statements regarding MOR Vacations products which in themselves would be a violation of these Policies and Procedures.

29. PRODUCT ORDERING, DELIVERY AND PAYMENT METHODS
MOR Vacations Independent Affiliates are not required to maintain a supply of product inventory for resale. All orders are placed on-line by the authorized MOR Vacations Independent Affiliate using the MOR Vacations website. The retail customer or Independent Affiliate can use any major credit, debit card, or e-check as payment.   Personal checks can be processed electronically by MOR Vacations.  MOR Vacations does accept business checks, however, business checks are to be mailed in to the corporate offices. Products are shipped from MOR Vacations directly to the customer as soon as their payment has been authorized. Alternatively, the Independent Affiliate can pay for the customer's order, and then be reimbursed directly by the customer. MOR Vacations provides the Independent Affiliate access to on-line reports that summarize the Independent Affiliate's sales activity and commissions.

30. UNAUTHORIZED PURCHASES
MOR Vacations will immediately terminate any Independent Affiliate who fraudulently attempts to create bogus sales transactions for purposes of getting around the 70% rule, or meeting sales commission goals, or for any other reason. Offenders shall also be subject to possible legal action.

31. BONUSES AND COMMISSIONS
MOR Vacations, LLC pays commissions daily and typically makes them available for electronic payment 5 days after the commissions are earned. An Independent Affiliate must review his/her commissions and report any errors or discrepancies to MOR Vacations, LLC within three (3) days from the date of the commission. Errors or discrepancies which are not brought to MOR Vacations, LLC's attention within the three-day period will be deemed waived by the Independent Affiliate. Independent Affiliates receive bonuses and commissions based on the actual sales of products to end consumers. When a product is returned to MOR Vacations, LLC for a refund, the Sales Bonuses, Commissions, and sales achievements attributable to the returned or repurchased product(s) will be deducted from the Independent Affiliate personal sales totals. This reduction will occur promptly following the date that the product was returned or repurchased. Independent Affiliate's must collect commission and bonus payments within six (6) months of their available date. Payments that remain uncollected after six months may be voided. Independent Affiliates who opt to finance their membership and do not make their scheduled monthly installments will forfeit any commissions due to them until their membership status is in good standing. Furthermore, MOR Vacations, LLC will apply any commissions generated by the Independent Affiliate; to their delinquent account until it is found in good standing.  When payment is received for a MORVacations, LLC membership and the payment is less than the full retail price and the processing fees displayed on the MORVacations.com website, the difference will be subtracted from the commissions due to the MOR Vacations, LLC Independent Affiliate who sponsored that particular sale. 
32. WAIVER;
Any waiver of any provision of these Policies and Procedures by MOR Vacations does not constitute a waiver of either the entire Policies and Procedures or even the same provision at a different time. MOR Vacations may at any time insist upon complete compliance with all of the terms and conditions of the Independent Affiliate Agreement and these Policies and Procedures.

33. GOVERNING LAWS
These policies and procedures are reasonably related to the laws of the State of Nevada and shall be governed in all respects thereby. The parties agree that exclusive jurisdiction and venue shall be in Douglas County, Nevada.

34. INVALIDITY OF ANY PARAGRAPH
Should any portion of these Policies and Procedures, of the Independent Affiliates Application and Agreement, or any other instruments referred to herein or issued by the company be declared invalid by a court of competent jurisdiction, the balance of such rules, applications, or instruments shall remain in full force and effect.

35. SANCTIONS AND ENFORCEMENT ACTION
Any Independent Affiliate who violates these Policies and Procedures jeopardizes the integrity and standing of all Independent Affiliates.
The company reserves the right to revoke the status of Independent Affiliates, or place violators on probation for a period which may delay their eligibility for advancement in the marketing plan. It is for the benefit of everyone that every Independent Affiliate abides by the letter and spirit of these Policies and Procedures.

36. NOTICES TO MOR Vacations: Any notice to MOR Vacations should be sent to the corporate offices at:
 

MOR Vacations LLC,
123 South Brown Street,
Rhinelander, WI 54501