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BOOMER NEWS Issue: 3 November 9th, 2015 Message from Presidential Diamond Sandy Durre This reminds me of Proverbs 23:7, "For as a man thinketh, so he is!" Those are some pretty powerful words! As you begin a NEW week, what are you focusing on? If it's negative, eliminate it. Fill it with something positive. You have a choice to think about whatever you want to think about. You are not a victim of your mind. It's a new week and therefore you get to start over. Take every opportunity this week to create opportunities for your self and your business. Success won't happen by chance, it only happens by choice. It requires day in and day out prioritizing your dreams! We can do this!!!!!

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BOOMER NEWSIssue: 3 November 9th, 2015

Message from Presidential Diamond Sandy Durre

This reminds me of Proverbs 23:7, "For as a man thinketh, so he is!" Those are some pretty powerful words!

As you begin a NEW week, what are you focusing on?If it's negative, eliminate it. Fill it with something positive. You have a choice

to think about whatever you want to think about. You are not a victim of your mind.

It's a new week and therefore you get to start over. Take every opportunity this week to create opportunities for your self and your business. Success

won't happen by chance, it only happens by choice. It requires day in and day out prioritizing your dreams!

We can do this!!!!!

WEEKLY CALLS & MONTHLY TRAINING EVENTS~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Nov, 3rd - 6pmWabash - see team page

~~~~~~~~~~ Nov, 22th - 2pm

Fort Wayne- see team page

Dec, 17th, 6pm Fort Wayne - see team page

CHRISTMAS PARTY

Jan 10th, 2pm Fort Wayne -see team page

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Weekly Boomer Team Call

Monday's 8:30pm est605-477-2100

1044901#

Sunday Corp CallFamily Call

10:00pm est(832) 225-5825,

Access Code 489675#

Monday Corp CallShow Me The Money!

9:00 pm est(832) 225-5825,

Access Code 489675#

Tuesday Corp CallFreedom and a Fresh Start!

9:00 pm est(832) 225-5825,

Access Code 489675#

TEAM SHOUT OUTI would like to shout out to Trisha Eckman she has helped me learn how to run my business and

is a great friend to have.-Tyanna Haines

Next shout out to Katie Grace. I did not know Katie before I started IT WORKS. This girl when we did the chili cook off we just had a blast and she makes me feel like we have known each other

for awhile.-Tyanna Haines

I would like to give a shout out to my upline Tina Aumsbaugh. She is so incredible and is always willing to help no matter time and situation. She keeps me on my toes. She's always motivating me

to strive harder to succeed to the highest of my abilities by giving me challenges and holding myself accountable. She's truly amazing and I wouldn't be where I am today enjoying every moment with my children if it wasn't for her. Thank you so much for every thing you do!!

I want to give Stephanie Burke a huge shout out. Sitting at training this month watching her and listening to her was so amazing. I cannot believe or even begin to explain how far this lady has

come since being with me on this awesome journey.Steph started out being this shy, insecure, lady who was so unsure of herself. And she has grown into this positive, confident, fearless leader who is leading her team straight to the top with her. I

love you Steph and I am so stinking proud of you and I love the strong beautiful wrap girl you now are. Thank you for finally letting your guard down and giving this business your all. You rock

sweetie. - Trisha Eckman

I want to tell Miss Nancy Coffman how much she inspires me and pushes me to be my best. This beautiful mind and soul is one of the most awesome people I know. Nancy is so selfless and it

shows in everything she does. When she called me after Christmas last year and said this wasn't for her I was crushed not only for myself but probably more for Nancy. I knew she needed this

company & her It Works family and I prayed a lot that she would find her way back to us.A couple of months ago my phone rang and it was Nancy telling me she wanted to join us again. I

can't tell you how happy I was to hear the news and to hear from her & to have my Nancy back.Nancy is pushing so hard & working her hardest to make things happen for her and her family. She is planting seeds like crazy and I know her garden is going to start sprouting one beautiful ~

rockin team. Keep doing your thing Nancy and more importantly keep being you. Love you babe, Trisha Eckman

Amanda Kimberly Amanda Bradley Amanda Lepera Amy Burchett Amy Monforton Anna Davis Audrey Bradley Autumn Wilson Beverly Radabaugh Brittany Ashcraft Bruce St.John Cammi Johnson Candie Petrie Danielle Cape Destinee Huff Diana Gardner Elaine Almeda Erica Smith Gina Kelly

Heather Born Hope HornJamie Hullender Janette Gross Jessica Forker Jessy YoungKim Wallack Kristie McClain Lauren Flotow Meghann Foust Misty Jimenez Paula Bailey Paula Monell Rachel Riley Rhonda Gillingham Rhonda Venegas Shawn hardtke S teve Blankenship Tanya WestTori Chandler

Follow Up! What, When & How!

Q: What do we mean when we say follow up?

A: Follow up is when you call, text, email or Facebook messagesomeone after you have presented the products or business opp to.

Q: When do I followup?

A: Always use the ‘2’ rule- 2 days, then 2 weeks, then 2 months

Q: How do I followup?

A: It depends on if you are following yp from a party, a one on one or a lead you got from an event or blitz.....BUT You can call, TEXT or email and say… ( Hi____!!! This is Tina with It Works Global! We met at the Bridal Show and I remember

that you were interested in a WOW and Wine Night, let's go ahead and get that schedu;ed! I have November 8th at 6pm or November 14th at 2pm available, which one works best for you? )

If you call and they don’t answer the phone, leave a message and say (Hi! This is Tina with It Works and I was calling because I drew your name at the Bridal Expo! Contact me asap!)

If they do answer the phone, but are unsure about locking in a date, make sure you let them know that you have a pretty full schedule and that it would be best to go ahead and secure a date now and if they need to reschedule later that’s always an

option…There's a ton of scripts to use in the files tab on the team page...if you're new, make sure to utilize them!

THINGS TO REmEmBER: Try To AVOID the word party!Always give 2 different dates as an option, that way they feel like they have a choice..

Make sure you get the address where the session will take place and let them know they can friend you on Facebook and you can create a Facebook event for them to invite their guests too… also get their email so you can keep in contact that way

and send them details about the product.

Be you, sound confident and don't overthink it.

Never throw a lead away, unless they tell you to never contact them again.

If someone cancels on you, reschedule right then and there!!! Be polite and understanding.

The most important thing....SOUND EXCITED!!!!

OCTOBER PROMOTIONS

JENNIFER CASCIOKIERSTIN STAYNER

LISA CLINEADRIANA MENJIVAR

DESTINY ZUBERBOBBY CAMPBELLDEVLIN FOUBERT

TYANNA HAINESJENNIFER WELLS

CHRISTINA MELVINROSA CUELLAR MOLINA

TEAM SHOUT OUTS

I want to give a huge thank you to Katie Crace ~ xoxo!! She works so very hard everyday not only for her business but to help better our entire team. She is such a team player. She went above and beyond the call of duty this month. She tackled YouTube for me and is making it possible for us to have our very 1st live training here in little Wabash, IN. This not only helps me in a HUGE way but it helps us ALL. For those of us that have distributors out of state or not within driving distance, Katie made it possible for all of them to hop on and watch our training. This is so super amazing and I wanted to let you know Katie Crace I love and appreciate YOU, your handwork, your

I'd like to recognize Beverly Gervasi for being an amazing friend and business partner. She has stepped up to lead her team. She is a remarkable go getter and has supported each person on her

team. I am grateful for you girl. Without her I wouldn't be where I am today. She's a strong Emerald and set up for Diamond! I'm so proud of her and her accomplishments. It Works has brought our

friendship closer and to a whole notha level... Thank you Beverly I appreciate you! Your friend Lori Mathis

Rhonda Gillingham had just joined our team at the end of October and already rocking it out of the park! She started her LC quest long before her kit even arrived. I know she is RUBY bound here

shortly. I can't wait to see you get that $500 bonus! Keep doing what your doing Rhonda and never give up. Your team is here for you every step of the way. Your team is extremely proud of you! Your

friend Lori Mathis

Love to give a shoutout to my team side line sister Raquel Robbins. She works full time for corporate America, but don't let it get in the way of her business. she's always providing her home for our

meetings biweekly. Going the extra mile for our team. She's such am amazing friend. And I'm proud to say now a business partner. - Cheyanne Hunter

My shout out goes to Stephanie Carter Burke. She has been there to help me every step of the way and she won't let me give up. Nor do I want to. So I would like to give a shout out to Stephanie she's

an amazing lady. - Amy Burchett

I want to send a shoutout to my beautiful daughter Kierstin Stayner. For #1 a huge THANK YOU for getting me into It Works. And #2 because I'M PROUD OF YOU. she juggles full time nursing

school ,clinicals,a 9 month old baby, plus works at a nursing home and still finds time to make sure to get It Works in there.I watch her do it all and keep a smile on her face all the time. She is an amazing woman and I'm so proud to call her my daughter. Way to go girl. I love you. She is a true roll model

to many. Thank you Amy Monforton...

I would like to give a shout out to you Sandy Durre for all of your hard work and dedication to our team. You are an inspiration to all of us. You inspire me everyday and have never given up on anyone.

You're a strong and motivated individual who will go far in this company.-Myra Kluesner

Shout out to Megan Dillion for helping me grow and get boxed in for Ruby! She will go Emerald this year I know it!

-Holly Salisbury

TEAM SHOUT OUTSHUGE SHOUTOUT to CHEYANNE HUNTER! Girl you are on fire!!! I am so

proud of how committed you are to your business and your excitement is absolutely contagious!!! You will be Executive this month with the way you've been working it!

Keep rocking out!!! - Tina Aumsbaugh

SHOUTOUT to my sister DESTINY ZUBER! You have been a leader since day 1 and I am so glad that you decided to join this business with me! You know what you need to

do to get things done and you do it! You're so independent and motivated and that right there is the type of person every one wants on their team! I have watched your

confidence grow tremendously in the past two months and that right there makes me so happy! I SEE A BRIGHT RED RUBY IN THE NEAR FUTURE!!!

Love you! - Tina Aumsbaugh

PAM NICHOLS! I love how you are always up for a challenge and how no matter what life throws at you, you never give up! I can't wait to see your Diamond promotion

happen!!! - Tina Aumsbaugh

STEPHANIE ROYER! You have such a huge heart and it shows! Your excitement about our products and how they have changed your life has and will take you far with

this business! Keep up the great work! NOVEMBER IS YOUR MONTH!! Tina Aumsbaugh

HOLLA to my girl HOLLY CRAFTON! You my friend are the true definition of no excuses!!! You are down there in Florida and you have not let that get in your way!

You're building a team and blowing up your volume!! I think you'll be checking that Executive promotion on very soon!!!

- Tina Aumsbaugh

APRIL MILLER!!! I just have to commend you for how dedicated you are to your business! You are the definition of a busy mom and you could have a ton of excuses why not to do this business, but you turn the excuses into the reasons WHY you incorporate

your business into your every day life and you make it work! I am so proud of you!! - Tina Aumsbaugh

CASSIE SWAIM! You have went through a surgery but yet you're still working the business like crazy ...just like you have done from the very beginning! I love how

motivated you are and how you really step up and dominate any challenge or task that is given to you!!! You go girl!!

- Tina Aumsbaugh

SAMANTHA FOX!!! My Cali girl!!! I just want to let you know that you have always made me proud! You are a real leader and you are going to have one heck of an amazing

November!!! - Tina Aumsbaugh

K.I.S.S (keep it simply silly)Great tips to help you SELL WRAP, BOOK PARTIES & SIGN CUSTOMERS

Do you need to sell wraps? Do you need the money for autoship.. try this.

http://youtu.be/73w5TpalaEs

1. Hey Nichole!! Can you do me a favor2. Sure Sandy what's up

3. I'm in need of before and after photos4. What kind of photo

5. My business is booming , and I need to show new photos - would you try one of my wraps, wear it 45 mins and send me before and afters?

6. I can do that, what do I need to do.7. I have my sample wraps on me, it's only $25 and I can't wait to see your result.!!!

Thanks for helping me!!!8 No problem

9. Can you meet me at 2 today?

Do you need parties? Try this...

http://youtu.be/4PKHdfxmp6g

1. Hey Nichole!! Can you do me a favor?2. Sure Sandy what's up

3. What are you doing on the 25th at 6pm?4. Nothing I know of why?

5. Do you think you could get 3-4 friends together? 6. I don't see why not, what's up.

7. I'm trying to grow my new business, and a girls night in will help.8 Sure let's do it.

9. Great!! Thank you I will call you with more info. You're the best!

Do you need customers/product testers? Try this..

http://youtu.be/kFlD9OZ45YI

1. Hey Nichole!! Can you do me a favor?2. Sure Sandy what's up

3. I just started a new business!!!4. Really, Congratulations5. Thanks! I do need help.6. What can I do to help?

7. I need 4 product testers - 4 people that will try something for 90 days and track results with story or photos. I don't want to break the bank, we can find the right fit, can you help?

8 Sure let's do it. 9. Great!! Thank you I will call you so we can find the right fit!! You're the best!

For product testers text, send it to them and even if you get the 4 you keep saying you need 4 because we all know people drop off. And this is part of Step #2 in the Steps To Success

SHOUT OUTS Kierstin Stayner- Girl, you came into this business fired up and strong! You have never missed an Autoshipment or a chance to be a

Qualified Leg! That being said you have taught and lead your team to do the same and I am so proud of how hard you have been working to DOUBLE your efforts and I cannot wait to announce your Ruby this month! I know you will make it happen!!!!

Congratulations on your Executive Promotion!! You deserve it! - Stevie Christian

Amanda Hippenhammer- Amanda, you have worked very hard to put yourself out there and be creative! Your social media and technical knowledge is through the roof and you ALWAYS make sure to post your 2-3 posts a day and now doing the Pinned Posts we started last month on top of that! I cannot wait to announce your Executive and Ruby Promotions, Amanda! I know it has been hard staying positive and always believing IT WILL WORK but you never ever give up and I'm so blessed to have you on this journey with

me! - Stevie Christian

Maria Gross- My girl Maria, you have had your struggles, you have had a rough past few months and lady you have never once given up on your dreams! Maria, keep working hard because it is starting to pay off little bit by little bit! You WILL be Executive this month and I cannot wait to announce it because that day I will be shedding tears of joy for you my dear!! I believe in you 100% and I have no

doubt in my mind or in my heart that you will be an Ambassador Black Diamond one day! - Stevie Christian

Nicole and Venessa Perkins- Momma/Daughter Dream Team right here has been ROCKING OUT some awesome events this past month!! You ladies are incredible and I'm so blessed to have such hard working individuals with me! These events are going to start

paying off VERY soon! Book those parties and wrap appointments and your December checks will be beautiful! So proud of you both!! - Stevie Christian

Jacque Herman- My dear, you came back in with a BANG!! Seriously, I don't even know what happened all I know is I'm pretty positive I will be announcing not one but TWO promotions for you this month! You have been collecting Wrap Cash like CRAZY

and enrolled your very first distributor Danielle in the month of October. Danielle is on her way into the 400 club already and I'm just baffled by your leadership and your passion already in this business! Keep doing what you're doing because it's about to be an amazing

month for you and your growing team!! So proud of you, Cousin!!! - Stevie Christian

I would like to give a shout out to Heather Haynes....Heather has took of running in her first month and is structured for her first promotion of many!!! She is taking control and owning her business. I have no doubt that she will be one to watch and we will be

celebrating many promotions for!! Heather your drive is contagious and I am so happy that you have chose to take this crazy journey with me!! -Jen Wells

SHOUT OUT....to my whole team...upline, downline and sideline..i want to thank all of you for trusting in me and loving what you do! I am where I am in this company because of all of you!! -Jen Wells

First, to you, Sandy. For making me want to push harder, and do better in this business. And for taking the chance on me. You're incredible, and I love how your energy is so contagious. I am so thankful I met you and that you're my sponsor. - Andrea Johnson

Second, to everyone in my group who has made me feel welcome, and encouraged. I honestly have my doubts about myself, and become incredibly frustrated when I don't accomplish my goals as quickly as I want. And their support means the world to me.

-- Andrea Johnson

Third, to Spencer Herbst. She is amazing. Every time I have a question, she helps me. I am honestly a person who is scared to ask questions, I am always afraid of people thinking I'm ignorant or of annoying them. And with Spencer, I don't have that fear. She explains whatever answer I need, and always offers to help me. And is inspiring to me as well. And I really want to reach at least

Executive this month for myself, and so she can become Ruby.- Andrea Johnson

Thank you, so much. Not only to you, but everyone. I love this team, and these ladies.

NEW DISTRIBUTORS : DO NOT GO TO PAYONEER!!! This program is for international distributors ONLY!!! If you accidently signed up for this card, make sure that you call PAYONEER's customer service 1-800-251-2521 to cancel the card. You need to make sure you to go www.myitworkspay.com to set up your account and signe up for the direct deposit.

PAYONEER has tons of fees. The only fees you should be paying is a monthly $2 maintenance fee and a $1 transfer fee to your account when we are paid from It Works! Global.

TEAM SHOUT OUTDestiny Zuber- She is always building up the confidence of everyone on our team. -Tosha Fay

Jamie Matthews - She is ALWAYS adding people and reaching out to make that personal connection to bring in LC'S and Book parties. -Tosha Fay

Kim Wallack - She is CONSTANTLY blitzing she always has our products out on her desk and telling people about them. -Tosha Fay

Brittany Ashcraft - She is new, but is so excited and is always giving us new ideas to advertise and help get our name out there. -Tosha Fay

Tori Chandler- She is balance in nursing school, 2 kids, my brother (lol), & is pumped about this company. Her enthusiasm is something we need to bottle and sell! -Tosha Fay

Tina Aumsbaugh- She is so supportive and is always there for everyone helping them to learn this business and work it.-Tosha Fay

Trisha Eckman - She is a huge cheerleader giving shout outs and really just bringing the whole group up. -Tosha Fay

Gina Finch- This one is personal and Gina is always handing out the tricks of the trade to our group and letting us know she thinks we are doing amazing. Telling us to never give up! -Tosha Fay

Raquel Robbins- what is there not to say about Raquel honestly. She is the definition of never giving up and constantly working her business. -Tosha Fay

Cheyanne Hunter - That girl is on fire for our company and it shows in all she does. She is am inspiration to us all.-Tosha Fay

And last, but most definitely not least...

You Sandy, this group thrives off of you. From tips, to posts of the day, to moral support, to just guiding us with your experience and always letting us know the sky is the limit and we can do it. I am truly thankful for a leader like you!

-Tosha Fay

My team sister and upline Tara Kahn has been my cheerleader extraordinaire and we've been holding each other accountable. I could not keep pushing forward without her and our upline Lannette Klahn-Bickel. They are my

sounding boards, my confidantes and I love checking in with them every day! - Sunshyne Kersker

I wanna give a shout out to Katie Crace and Trisha Eckman. Both of these ladies have been huge inspirations to me from the start. They always give the best advise and they have been nothing but helpful the entire time. Thanks Katie for

introducing me to this life changing business and for helping me grow and being such a great leader. And thank you Trisha for making me feel like I matter and for always listening when I need something! You have both inspired me,

probably even when you didn't realize it so thank you so much for making me feel like I can talk to you about anything. I love how easy it is to talk to you and not feel judged or disappointing. I'll always be grateful for you both!! - Breanna

Lutton

This contest is all about us having ALL HANDS ON DECK and DOUBLING DOWN!I am so excited about this contest, it’s going to help all of you increase you’re income just in time for Christmas!!

Everything you are doing in the month of November IS the last check before CHRISTMAS!!!Here are the rules, everything you do from the list needs to be tracked and logged by you and sent to me on

NOVEMBER 30TH by 12:01 am est.

In order for this to work, you will NEED and WANT to work with your TEAMS

VIDEO: https://youtu.be/EbHcUCcWpeA

*400 PVB Club (80BV autoship must run in November)*800 PVB Club (80BV autoship must run in November)

*Double Your October Volume (look up your October volume under Performance Overview)

POINTS: FSQ any DT on your team = 1pt

Complete your Steps to Success = 2pts(80BV autoship, 4LCs & 3DTs)

Christmas Packs/ for every 5 sold = 1ptBook and complete 2 parties in November = 3pts

(photos required)Attend Team Trainings = 2pts

(photos & date required)New LCs = 2pts

(record ID & name)New DTs = 2pts

(record ID & name)

PRIZES:400 Club – 2 Winners = $50 each

800 Club – 2 Winners = $100 eachDouble Volume – 1 Winners = $100

Total Points – 1 Winner = $100

* You can win more then one of these prizes*

ALL INFO NEEDS EMAILED TO ME AT : [email protected] Winners will be announced on December 8th, 2015

*I have the right to change this contest at anytime*

GOOD LUCK AND LET’S ROCK OUT THIS MONTH!!

I need give a shout out to Rhonda Venegas! Her and I have run into each other a few times at several vendor events. She couldn't help it any longer she joined our team and in less then a month she just signed her first distributor!!! I am so proud of her

and I know she is going to far!! Keep up the amazing work girl!!! - Sandy Durre

Oh Paula Monell what can I say about this amazing lady!! I have only known her for 10 days and I already love her!! She's got 6 customers in the system already and is on fire!! Her energy is contagious and she is on a mission to hit the 60 customer club!!! I

know she will make it happen, Paula has an amazing support system with her family!!!! -Sandy Durre

When I asked Chelsy-Ann Hartman if she was ready to be a leader, she doubted herself! It wasn't until her husband told her she could do it and that he believed her

that she said she was ready to go! I am so proud of her!! She's been really stepping up and leading her girls. Chelsy-Ann this is the beginning of something big for you! I'm

so blessed to have you on our team!! - Sandy Durre

Spencer Herbst girl!! WOW ! What can I say! You really are coming into your own with your team and your business. You told me last week that you just need and

wanted someone to lead, and that is just what you are doing! I've never seen someone so passionate about something the way you are. I feel that big things are in the works for you and your family, I see it!!! I feel it!! Keep it up girl!!! You are on your way! -

Sandy Durre

I need to take a minute to talk about Jacqualine Ethridge! This girl she has been so fired up since the day she joined the team. Her and her husband Brent have been out

there talking to everyone know!! She has told me that Brent WILL hit Ruby this month and that she going to hit Executive! I have no doubt that this is going to

happen! I love they are pushing hard to make a difference for their families lives!! I know that she is going to be a great leader and change a lot of lives around her.

- Sandy Durre

I want to give out a shout out to my sideline sister, Gina Finch. She's a source of constant encouragement to me and I LOVE seeing her action on our team page..just

her hunger for learning everything thing she can inspires me. - Teresa Jayne

FILLING OUR BUCKETS ACROSS THE COUNTRY

COMPLIANCE UPDATE - EFECTIVE IMMEDIATELY When you talk about product results or post Before and After photographs, be sure they are compliant!

You must have written permission from the person in the photograph to post their picture. This written permission must be provided to It Works! Compliance by doing the following:

Please print out the below statement and have the person in the photograph sign it.I expressly consent for [insert Distributor name] to use my Before and After pictures for advertising and marketing purposes. I understand and agree that these pictures will be public, posted on social media sites and likely will be re-posted.

Signed,_____________________.

Scan the document.Email the signed document, including the Before and After photographs, to: testimonials@itworksglobal. com.

You must also include this Product Disclaimer statement on any Before and After photographs, depending on product and country:

ALL MARKETS:Before and After (Ultimate Body Applicator™) - Individual results can and will vary. These results are not necessarily

representative of all those who use our products. These results can only occur when the participant uses a regimen consisting of the Ultimate Body Applicator, It Works! dietary supplements, physical activity, and a reasonable diet.

It Works! cosmetic products are purely cosmetic in nature and do not claim to cure/treat/prevent any skin & hair related disorders. If you are allergic to any ingredients listed, or are under treatment/medication for your skin,

please consult with your physician prior to use.

US: Before and After (Supplements) - Individual results can and will vary. These results are not necessarily representative of all those

who use our products. These descriptions are not intended to make claims that these products can be used to diagnose, treat, cure,

mitigate or prevent any disease. These claims have not been clinically proven or evaluated by the FDA.

Anytime you post about money, income earned, or lifestyles, you must include the Income Disclosure Statement. The Income

Disclosure Statement is located in the Documents Library section of your eSuite, under the Training and Business Building section. If uploading multiple photographs, or an image that has a dollar

amount, you must either add the Income Disclosure Statement as a picture or, at minimum, add it as an image along with the photo.

(You can create a new tab on your Facebook page to store the picture, then every time you make a statement regarding income

you can add that picture to the post.) The Income Disclosure Statement is available as a .pdf and a .jpg in eSuite so that you

should be able to use it wherever needed.

For example:“Hey Guys, I made my $500 this month just by following the Steps

to Success!” (plus post image below)