Market Research Consultant Agreement

This agreement is entered into as of the ___ day of __________,20 12 by and between _______________________________located at:
_____________________________________________

(Hereinafter referred to as the “Manager”), and ______________________________________________

Located at ____________________________________(Hereinafter referred to as “Consultant”).

I. DUTIES AND RELATIONSHIP OF PARTIES:

a. Consultant shall be an independent contractor free to choose their own work hours and marketing territory. Consultant shall
not be considered an employee of Manager for Social Security, worker compensation, or other tax purposes.

b. Consultant agrees to use only those survey forms provided by the Manager.

c. Consultant understands that falsification of a survey by Consultant will result in immediate termination of this agreement.

d. Consultant understands that all surveys will be verified for accuracy with the participant.

e. Consultant agrees to complete a daily/weekly Activity Report accurately and deliver same to Manager each week.

II. COMPENSATION While this agreement is in force, the Manager will be responsible to pay the consultant $175.00 per week provided a
minimum of forty five surveys have been completed. A survey shall be considered complete if it meets all of the following criteria:

a. All questions as well as name of participant are completed in full.

b. Writing is in black ink and legible.

c. Participant’s business card or letterhead is stapled to the front upper left corner of survey form.

d. Participant is an owner or General Manager of the business.

e. Limit of one survey per business.

f. Participant verifies survey answers when survey is audited.

g. Participant signs survey.

h. Other survey criteria may be established by prior agreement between the Manager and Consultant.

III. CONFIDENTIALITY: Consultant understands and agrees that the survey contents, data, information on participants and the Manager’s
are not to be discussed or disseminated in whole or part with any outside party, recognizing that any such information is a valuable,
unique and special asset of the Manager. All Manage materials must be returned to Manager upon request.

IV. TERMINATION:

a. Either party may terminate this agreement at any time with notice.

b. Manager may terminate this agreement immediately with notice if Consultant breaches any terms or conditions of the
Agreement, becomes insolvent or deceased.

c. Upon termination, other than due to Paragraph 4b of the agreement, Consultant shall receive any unpaid commissions on
any survey subject to the terms of the Paragraph 2a-h.

V. AGREEMENT: This agreement represents the entire Agreement between parties and supersedes all previous Agreements, oral or
otherwise.

VI. ASSIGNMENT: No assignment of the Agreement can be made without written consent of both parties.

VII. THIS AGREEMENT shall by government by the laws of the state in which the Manager resides. If any provision of this Agreement is
unenforceable or invalid, the Agreement shall be ineffective only to the extent of such provision(s) and shall not affect the validity of
the remaining provisions.

IN WITNESS WHEREOF, the parties have signed this Agreement as of the above date.

_________________________________________   ______________________________________
For Manager Surveyor
 Survey System
Step 1:

The most critical item in this system is the survey person. The first step is to place an ad
in the Sunday Paper under part-time help. Sunday is the best day to get the response
desired.

SAMPLE AD

The first line in bold print: MARKET SURVEYS

The second line: Work four hours, four days per week,
Third line: talking to small businesses. No phoning, $175 per week.
Line four: (Phone number)

Step 2:

Record on your call sheets the names and information from each person who responded.

Step 3:

Make calls to interview respondents. Introduce yourself and identify the ad you are
calling about. Ask them why the ad was of interest to them and what are they looking for.
Ask them to tell you a little bit about themselves, work history, education background,
etc. (so that you can get an idea of their age and current circumstances without asking).
Tell them about the position. We survey small business owners. The survey consist of six
questions. The survey takes only 1 minute to complete ( read the survey). Explain what
will be required of them. The surveyor is required to obtain 45 surveys per week to
qualify for the $175 per week. Explain the procedure. Each surveyor is able to get 3
surveys in an hour. Working 4 hours a day will result in 12 surveys. Working 4 days a
week will result in 48 surveys. Ask them if they are capable of handling this position. Ask
them if it fits their schedule and circumstances.

Step 4:

Explain to them that you are doing phone interviews today and you will be calling them
Tuesday to arrange a personal interview. Thank them for responding to the ad.
 Step 5:

Ideal Surveyor Profile

The ideal surveyor needs supplemental income of about $175 per week and are able to
cover the areas you want worked. The surveyor must have good transportation (that means
a working car). If the surveyor needs more than $175 per week, then that becomes an
issue. As soon as they find something with more pay even if it is more hours, they are
gone. Look for those who meet the ideal profile best. (Women 55 to 70 who needs part
time work). Select six to eight people who best fit the ideal surveyor profile from the
phone interviews completed on Monday.

Step 6:

Interview Process

1. Call the six to eight you have chosen and schedule interviews.
2. Explain your position and the companies you represent. Attempt to get answers to
any questions that did not get answered in the original phone interview.
3. Demonstrate how to do a survey using them as the small business owner.
4. Ask how they feel about the survey.
5. Demonstrate again how to do the survey if necessary.
6. Ask them to demonstrate doing the survey with you as the small business owner.
Show them the script. Explain that there is no selling. They are being hired as a
surveyor only and are not required to explain any products.
7. Ask them if they are capable of doing this job.
8. Explain the requirements of the position and the pay as in Step 3.
9. Explain procedure for turning in surveys and getting paid: They will turn in
surveys on Friday. The following Friday when they turn in surveys they will be
paid $175 for the prior week. Thereafter, each Friday when they turn in surveys
they will be paid $175 for the prior week’s surveys.
10. After completing the interview, explain to them that you will be in contact
after you have completed all your interviews and made a choice.
11. Grade each interview on a score from one to ten. Select the one that you want
to hire. Call them and set an appointment to complete the necessary paperwork.
Provide them with 150 surveys, survey script and training. Have them practice
with you as the business owner. Roll play for a few minutes. Now give them a
map of the area you want them to work. Review procedures and guidelines for
survey turn-ins and pay.
12. Call the other candidates whom you had interviewed and tell them you have
filled the position but you would like to call them if additional openings become
available.
13. Daily follow up for the first week or two is important. You need to talk to them
each afternoon to help with problems, give support, and most importantly know
that surveys are being created.
 Step 7:

Working the Surveys/ Setting the Appointment

You now have your 45 surveys. Sort out the surveys that answered question number six
with a yes. These are the ones that you are going to call on in person.

On the back of the “YES” survey you will need to fill in the blanks. Note: The numbers
needed to fill the blanks are obtained from the ISM software illustration. Use the all age
illustration and include the 10% cost of living increase and MDIB (in Rider Data check
specify box) (WFPAR to be used in Florida) in the package. You are now prepared to
call on the person surveyed.

Step 8:

Making the call:

Enter the store or place of business. My name is (name). You were kind enough to
participate in a market research survey conducted by (name). You indicated on the survey
that you wanted to receive an estimate. I am stopping by to deliver it. If you are
interested, we can set an appointment. EXAMPLE :( Your age is 38 Male. If you were to
start saving $106 a month and continue saving until you were 65 years old, you could
have $342,253 in a cash accumulation account. This could provide a monthly income at
age 65 of $3850 every month for the rest of your life).

This is a unique cash accumulation plan. If you get hurt and can’t work, this would
probably be the first thing that you would stop paying, so if you qualify the plan provides
a disability benefit so that the $106 would be paid for you. The plan also provides a
college planning feature which helps your children who are academically qualified the
ability to go to the college of their choice.

Step 9:

Set the appointment:

If this looks interesting to you, I would like to make an appointment to come back. It will
take about 15 minutes to show you how the plan works and how I come up with these
numbers. (At this point you pull out your appointment book, set up an appointment with
them. Give them your business card and make sure that they make a note of the day and
time your appointment).
 Presentation
Page 1: AAGE/AAPE COVER PAGE

I represent the American Association of Government and Private Employees. Both are not-for-profit
associations. Their motto is “Where America Saves”. They were founded in 1990 with the objective to
help their members live better on their existing incomes through group purchasing power.

About 13 years ago talk began about how pension plans were disappearing and social security
was going broke, people needed to do something for their own for retirement. Members asked the
Associations to develop a plan that could be used to help fund their retirement. The Associations
went to Interstate Specialty Marketing, Inc. (ISM), a national financial service company, to put
such a plan together. Knowing that no one company could provide such a plan, ISM forged an
alliance of companies. ISM used its expertise to build and maintain an alliance of companies to
meet the criteria which the Association’s members wanted in their plan. Today this plan,
FREEDOMFLEX, is an exclusive membership benefit. This means that you or your family
cannot receive this benefit unless you are a member. It only cost $1 a month to become a member
and you will be joining thousands of members who participate in this plan and thousands who are
joining every year.

Page 2: American Dream

The American Dream is, of course, that each person achieves financial independence and enjoys
the good life. (Review the top of the page and cover each item at the bottom of the page).
According to Investor’s Business Daily, January 25, 2005 and The Bureau of Economic Analysis,
2006, much emphasis is placed on saving enough money for a comfortable retirement income.
When you factor in the potential cost of health care, you could arrive at retirement’s door short of
what you’ll need. There used to be an old saying, “The only guarantees in life are death and taxes”.
Now there is one more, “If you don’t save enough money and you live a long time you will be old
and broke”. In February of 2012 the Associated Press, Fox News, and others reported that Baby
Boomers were going to have to work until they drop because they did not save and accumulate
enough money so they could retire and maintain their standard of living.

Page 3: Small Investors Get No Respect on Wall Street

Now there is an alternative to our program. You could call a financial planner and tell him you
would like to save $106 a month toward your retirement. The problem is he would probably laugh
at you or hang up. He simply can’t make any money on $106 a month. Now if you have $20,000 he
might be interested.

According to USA Today, “Small Investors Get No Respect”. If you have a $1,000.000 Vanguard
will treat you with kid gloves. If you walk in with $10,000 they will give you a guy at the other end
of the phone. If you walk in with a $1,000 they will tell you to go someplace else. According to
this article, to open an account at Merrill Lynch you need a $100,000. So the small investor really
hasn't got many options.
 Page 4: “Americans Finally Need to Save for their Retirement”

This news article just reinforces the problem. The bottom part is a little scary. Here is a 50 year-
old who is worried about his pension and his social security.

Page 5: Alliance of Companies

ISM was asked by the Associations to design a plan for it members that would provide
them with the ingredients that they wanted and needed and to help them accumulate
money for retirement. ISM is a national financial services firm that designs products and
services for group and individual insurance, asset allocation, money for college, and
money for retirement. ISM is a member of the National Association of Student Financial
Aid Administrators.

ISM Administrators- Licensed and Bonded Third Party Administrator.

Fidelity Security Life Insurance Company is an “A-” rated by A.M. Best with over
$400,000,000 in assets and $7.5 billion of life insurance in force.

Reassurance Company of Hannover is one of the top five largest reinsurance companies
in the world.

American Business Bank is our custodial bank.

Franklin Templeton is one of the many investment companies servicing our members.

Page 6: Six Features a Sound Financial Plan Must Have

When the Associations surveyed its members and asked them what they wanted in a plan
to help them with their retirement, these six features were the most important to them.

Now the real question is why don’t people do this? (Note: number 6 is the number “1”
feature they want. The Retirement Income Calculator can be used to give them this
feature. )

Page 7: Five Reasons People Fail Financially

There are really five reasons, the main one is procrastination. I meant to do it. I am going to do
it. My dad told me to do it when I was 20 years old. I'll get around to it. I have had 35 to 40
people say to me, (name), this is a terrific program and I really want to get involved with it and
$106 is not a lot of money. Here is my problem, I’ve got a few things that I need to clean up,
and I should have that all done within 60 days. If you will give me your business card I'll call
you in 60 days and we will go ahead and fill out the

paperwork, because I really want to do this. Guess how many people have called me?
(Dramatic pause) Not one, that's procrastination.
 Page 8: Savings Tips

First of all it's up to you to provide for your financial future, not the government, our employers,
or anybody else.

Second and this is one of the keys to our program and why it is successful. The discipline to
save is essential. On the 1st, 5th, 10th, 15, or 20th of the month, which ever you choose, the $106
is going to come out of your checking account. You are never going to see it so you can't spend
it, every month you are doing something for your retirement. The discipline is really essential.

Third, big savings start with small steps. Little amounts saved consistently will grow to a
substantial nest egg as we have already shown you with the example page. Now why should you
get into this program now? Let me show you.

Page 9: Effect of Inflation

Let's say that you are living on $3,000 a month and you are going to retire in 30 years. Using
the fundamental rules of financial planning, you will take 70% of the $3000 which is $2100,
apply an inflation factor, example of 4 percent inflation to $2100 a month. Thirty ( 30 ) years
from now will need to be $8287 per month to maintain your current standard of living. Use
Retirement Income Calculator.

Page 10: Eight Ways to Accumulate

Here are some alternate ways that you could go about doing something for your retirement. This
chart demonstrates the power of time and compounding. Let's take a passbook savings account
at 1%. If you put $1,000 per year in it for ten years, you would have $10,567. You put in
$10,000 so for a ten year investment you would have earned $567 return. I am afraid that is
probably not going to work for you. What do you think? Now you can see that at 12% or 15%
how dramatically time and compounding can affect your money accumulation. According to the
Investor’s Business Daily, the Bureau of Economic Analysis, and InvestorsFriend.com, the Dow
Jones Industrial Average has returned an average of 11% the past 30 years ending 12/31/2010.
The Dallas Morning News in 2008 reported that the Templeton Growth Fund as averaged 13.5%
since its inception in 1954. What type of growth rate would you hope to achieve?

Page 11: Accumulation Examples for FREEDOMFLEX

A 30-year-old female asked me to illustrate what FREEDOMFLEX could do for her. She
chose to save $106 per month, which included the Association dues of $1 per month and
an administration fee of $5 per month, and the 2nd year option to redirect her growth side
to an alternate cash accumulation account such as a mutual fund. In addition, we used the
option to increase her savings by 10% per year in the 2nd through the 10th year and
contribute to age 65 with all money going to the growth side beginning in the 11th year.
Assuming a 13.5% return she could have $527,655 at age 65. Many of us won’t be
retiring at age 65. If she chose to let her account grow until she is age 68, she could have
$771,503. That’s the power of time and compounding. She could take an interest only
option beginning at age 65 of $5936 per month over 30 years of retirement for a total
benefit payout of $2,664,656. This means that for every $1 she put into the plan she got
back $128.57.

Page 12: Paper Talk

Use the Flow Chart in the Brochure

With FREEDOMFLEX you only have to contribute for 10 years. First year in the
program, you will contribute $1,200. Of that $1,200, approximately $600 of that is going
to provide for your benefits and approximately $600 will go into your endowment also
referred to as a time deposit. This approximately $600 endows at the end of the 10th year
at 260% of its original value or $1560. This is equivalent to an annual growth rate of over
10% interest per year and under current tax law it is income tax free. It is only payable if
you have maintained your plan for 10 years. If you stop your plan any time during the
first 10 years, you could lose all or part of this endowment.

Page 13: Option Letter

At the end of your first year, you will receive an option letter from ISM Administrators.
(Read the first paragraph). Beginning in the second year of your plan you have the
opportunity to choose how your money grows. You have three options. The first option is
a guaranteed account which is a Flexible Premium Annuity. The guaranteed minimum
interest credited is 4% and the current rate is declared at the beginning of each calendar
year. This year the current rate is _____%. This money grows tax deferred and is
available to you with no sales or surrender charges. In other words you can take your
money out any time you want and put money in any time you want. This account can act
as a passbook savings or CD for your money. You can use this account as an emergency
fund. Option two allows you to redirect your money from the guaranteed account to an
account where you may get a higher rate of return. We have been using the 13.5% return
as the example you selected from the eight ways to accumulate calculator. If you select
this option you will receive a prospectus kit directly from the mutual fund companies.
Either way you go, you get to choose. You can also do a combination.

ISM Administrators will EFT ( electronic fund transfer ) either your checking account or
savings account on one of the following dates, which ever you choose, 1st, 5th, 10th, 15th,
20th, for the $106 per month.
 At the end of the first year you will receive the option letter as we discussed. In the 5th
year you will receive another option allowing you to adjust your final expense benefit and
at the end of ten years you will get another option letter reminding you of your different
options at that time. (See the FREEDOMFLEX Brochure) That pretty much gives you the
entire program folks and if you are sincere and you want to do something for your future
this is an excellent opportunity to do so without putting a real cramp on your budget.
Shall we enroll you in the program? (When you enroll somebody in the program, be sure
and leave them the FREEDOMFLEX Brochure which reads," Financial Freedom" at the
top and explains the plan and or give them the FREEDOMFLEX DVD or the link to our
YouTube video. Give them your business card and tell them you will be delivering their
paperwork in about 2 to 3 weeks).

Page 14: College Planning

I would now like to give you a brief summary of our College planning division.

Page 15: Application for Services

When your student reaches mid-junior year in high school, you will use this form (go
over Application for Services form) and include your check for $65. That is all the money
that you will ever pay.

Page 16: Welcome Letter

Once you send this application in, you will receive three sets of paperwork. First is your
Federal Student Aid Program application. This is an essential form. Second, is the
student profile form. This gives you the types of financial aid available from online
services. It also helps to gather current information on awards. Third, is the college
career explanation profile which helps identify colleges best suited to the student’s
career choices and needs. Once you receive these forms, fill them out and send them
back to ISM. You will receive a three-ring binder that contains all the information that
was available for your student.

Page 17: 3 Ways To Pay For College Education

Will this program work? Is it for real? There is approximately seven billion dollars
available in scholarships and grants, of which 6.6 billion go unclaimed, simply because
you never knew about them. We will search for Federal Grants, Pell Grants, Work Study
Programs, college and state parallel programs, Perkins loans, and Stanford loans. We will
do all the research for the student, coming up with the best possibilities available.
 Page 18: FAFSA Form Front Page
(Agent must obtain current form and insert)

Here is an example of a FAFSA form which is a critical form to complete. The parent
fills in the purple section, the child fills in the green section. It is seven pages long and
there is a time table for submission After completing this form send it to ISM. ISM will
review the form to make sure that is it been filled out correctly.

Page 19: Money for College

Using an example that your child decides to go toPurdue. Purdue costs about $30,000 a
year. Now between scholarships, grants, and other programs we came up with $20,000 in
grants and scholarships but we are still $10,000 short. If they are academically accepted
and meet the qualifications of the Higher Education Act of 1965. The US government
will provide the child and parents a loan commitment for the funds necessary to pay for
the college of choice.
 Survey System Check List

1. Survey System Document: Includes: Step by Step

Instructions on How to hire surveyor. Scripted
Presentation and Survey System Checklist

2. Flip Chart Presentation

3. Call Log Form

4. Survey Script

5. Market Research Survey with estimate page on back

6. Hiring papers

.
 N ASSOC
I CA IA
ER

TI
AM

ON
PR

ES

VA E
Y
I

TE O
EMPL

“Where America Saves”

NOT FOR PROFIT MISSOURI CORPORATIONS
Unaffiliated with the Federal Government
Copyright AAGE/AAPE 2011,
All Rights Reserved
 ISM ALLIANCE
ISM, having produced more than $10 billion in life insurance and annuity business through
its thousands of representatives, would rank among the highest producing companies in the
life insurance industry. ISM’s outstanding track record and sales and marketing expertise
make it the driving force within this Alliance of Companies.

ISM Administrators services tens of thousands of policy/certificate holders, collecting

premiums and remitting funds to insurance companies and financial institutions on behalf of
its clients and Association members.

Fidelity Security Life Insurance Company (FSL) is a life insurance member of the Fidelity
Security Group, along with American Service Life Insurance Company. It is licensed in all
states except New York. FSL has over $700 million in assets and $7.5 billion of life insurance
in force. FSL is A- rated (Excellent) by A.M. Best.

The American Associations of Government/Private Employees are not-for-profit

associations and are designed to help their members save money. Since 1990, each of the
benefits has featured cost savings for both services and discounts on purchases made by their
members. The lists of benefits are comprehensive and easy to use and accessible by a toll-
free number.

Reassurance Company of Hannover with its corporate headquarters in Hannover,

Germany, is one of the largest reinsurance companies in the world. Its A.M. Best rating is A
(Superior), with over $49 billion in assets, and millions in cash and other bank deposits.
Hannover brings uncommon financial strength to the Alliance of Companies.
Six Features A Sound Financial
Plan Must Have
A plan to achieve the American Dream of financial freedom
should have the following six elements:

1. Easy to start, easy to keep, and easy to

understand!

2. Affordable!

3. Have favorable tax consequences!

4. Have high growth rates with a mixture of

guarantees!

5. Self complete in the event of disability or

premature death!

6. Tell you how much money you'll need at retirement

and how much you need to save each month in
order to reach that goal!
 Five Reasons
People Fail Financially

1. Financial Procrastination

2. No Financial Goals

3. No Financial Plan

4. Improper Use Of Tax Laws

5. Overspending Income
Effect Of Inflation On Future Income Needs
MONTHLY
INCOME Amount Needed In Future To Match Desired Income
DESIRED
IN TODAY'S PERCENT OF
DOLLARS INFLATION 10 YEARS 20 YEARS 30 YEARS 40 YEARS 45 YEARS
$1,500 2% $1,828 $2,229 $2,717 $3,312 $3,657
3% $2,016 $2,709 $3,641 $4,893 $5,672
4% $2,220 $3,287 $4,865 $7,202 $8,762
5% $2,443 $3,980 $6,483 $10,560 $13,478
6% $2,686 $4,811 $8,615 $15,429 $20,647

$2,000 2% $2,438 $2,972 $3,623 $4,416 $4,876

3% $2,688 $3,612 $4,855 $6,524 $7,563
4% $2,960 $4,382 $6,487 $9,602 $11,682
5% $3,258 $5,307 $8,644 $14,080 $17,970
6% $3,582 $6,414 $11,487 $20,571 $27,529

$2,500 2% $3,047 $3,715 $4,528 $5,520 $6,095

3% $3,360 $4,515 $6,068 $8,155 $9,454
4% $3,701 $5,478 $8,108 $12,003 $14,603
5% $4,072 $6,633 $10,805 $17,600 $22,463
6% $4,477 $8,018 $14,359 $25,714 $34,412

$3,000 2% $3,657 $4,458 $5,434 $6,624 $7,314

3% $4,032 $5,418 $7,282 $9,786 $11,345
4% $4,441 $6,573 $9,730 $14,403 $17,524
5% $4,887 $7,960 $12,966 $21,120 $26,955
6% $5,373 $9,621 $17,230 $30,857 $41,294

$4,000 2% $4,876 $5,944 $7,245 $8,832 $9,751

3% $5,376 $7,224 $9,709 $13,048 $15,126
4% $5,921 $8,764 $12,974 $19,204 $23,365
5% $6,516 $10,613 $17,288 $28,160 $35,940
6% $7,163 $12,829 $22,974 $41,143 $55,058

$5,000 2% $6,095 $7,430 $9,057 $11,040 $12,189

3% $6,720 $9,031 $12,136 $16,310 $18,908
4% $7,401 $10,956 $16,217 $24,005 $29,206
5% $8,144 $13,266 $21,610 $35,200 $44,925
6% $8,954 $16,036 $28,717 $51,429 $68,823

$6,000 2% $7,314 $8,916 $10,868 $13,248 $14,627

3% $8,063 $10,837 $14,564 $19,572 $22,690
4% $8,881 $13,147 $19,460 $28,806 $35,047
5% $9,773 $15,920 $25,932 $42,240 $53,910
6% $10,745 $19,243 $34,461 $61,714 $82,588

Plus, Once You Do Retire, The Inflationary Spiral Does Not Stop!

Copyright Interstate Specialty Marketing, Inc. 2011, All Rights Reserved.

 Comparing Eight Ways To Accumulate Wealth
This Chart Demonstrates The Effect Of Time And Compounding At Various Rates
And Is Based On A 30 Year Old Person Setting Aside $1000 Per Year, For Ten Years.

PIGGY PASSBOOK TAX FREE TAX DEF TAX DEF TAX DEF STOCK STOCK
BANK SAVINGS BONDS ANNUITY ANNUITY ANNUITY MARKET MARKET
YR 0.00% 1.00% 3.50% 4.00% 6.50% 8.14% 12.00% 15.00%
1 $1,000 $1,010 $1,035 $1,040 $1,065 $1,081 $1,120 $1,150
2 $2,000 $2,030 $2,106 $2,122 $2,199 $2,251 $2,374 $2,473
3 $3,000 $3,060 $3,215 $3,246 $3,407 $3,515 $3,779 $3,993
4 $4,000 $4,101 $4,362 $4,416 $4,694 $4,883 $5,353 $5,742
5 $5,000 $5,152 $5,550 $5,633 $6,064 $6,362 $7,115 $7,754
6 $6,000 $6,213 $6,779 $6,898 $7,523 $7,961 $9,089 $10,067
7 $7,000 $7,286 $8,052 $8,214 $9,077 $9,691 $11,300 $12,727
8 $8,000 $8,369 $9,368 $9,583 $10,732 $11,561 $13,776 $15,786
9 $9,000 $9,462 $10,731 $11,006 $12,494 $13,583 $16,549 $19,304
10 $10,000 $10,100 $12,142 $12,486 $14,372 $15,770 $19,655 $23,349
11 $10,000 $10,201 $12,567 $12,986 $15,306 $17,054 $22,013 $26,852
12 $10,000 $10,303 $13,007 $13,505 $16,301 $18,442 $24,655 $30,879
13 $10,000 $10,406 $13,462 $14,045 $17,360 $19,943 $27,613 $35,511
14 $10,000 $10,510 $13,933 $14,607 $18,489 $21,567 $30,927 $40,838
15 $10,000 $10,615 $14,421 $15,192 $19,690 $23,322 $34,638 $46,964
16 $10,000 $10,721 $14,926 $15,799 $20,970 $25,221 $38,795 $54,008
17 $10,000 $10,829 $15,448 $16,431 $22,333 $27,274 $43,450 $62,110
18 $10,000 $10,937 $15,989 $17,088 $23,785 $29,494 $48,664 $71,426
19 $10,000 $11,046 $16,548 $17,772 $25,331 $31,895 $54,504 $82,140
20 $10,000 $11,157 $17,127 $18,483 $26,977 $34,491 $61,044 $94,461
21 $10,000 $11,268 $17,727 $19,222 $28,731 $37,298 $68,369 $108,630
22 $10,000 $11,381 $18,347 $19,991 $30,598 $40,334 $76,574 $124,924
23 $10,000 $11,495 $18,990 $20,791 $32,587 $43,618 $85,763 $143,663
24 $10,000 $11,610 $19,654 $21,622 $34,706 $47,168 $96,054 $165,213
25 $10,000 $11,726 $20,342 $22,487 $36,961 $51,008 $107,581 $189,994
26 $10,000 $11,843 $21,054 $23,387 $39,364 $55,160 $120,490 $218,494
27 $10,000 $11,961 $21,791 $24,322 $41,923 $59,650 $134,949 $251,268
28 $10,000 $12,081 $22,554 $25,295 $44,647 $64,505 $151,143 $288,958
29 $10,000 $12,202 $23,343 $26,307 $47,550 $69,756 $169,280 $332,302
30 $10,000 $12,324 $24,160 $27,359 $50,640 $75,434 $189,594 $382,147
31 $10,000 $12,447 $25,006 $28,453 $53,932 $81,574 $212,345 $439,469
32 $10,000 $12,571 $25,881 $29,592 $57,437 $88,215 $237,827 $505,389
33 $10,000 $12,697 $26,787 $30,775 $61,171 $95,395 $266,366 $581,198
34 $10,000 $12,824 $27,724 $32,006 $65,147 $103,160 $298,330 $668,377
35 $10,000 $12,952 $28,695 $33,287 $69,382 $111,558 $334,129 $768,634

TOTALS IF THIS PERSON WERE TO CONTINUE MAKING $1,000 ANNUAL CONTRIBUTIONS TO AGE 65:
$35,000 $42,077 $69,008 $76,598 $132,097 $192,249 $483,463 $1,013,346

The stock market performance figures shown are averages, and not based upon any particular investment. This is prepared for
illustrative and educational purposes and is not a solicitation or an offer to participate in any investment. As of January 2011 the above
past performance figures and interest rates are consistent with those published in media available to the general public.

Copyright Interstate Speciality Marketing, Inc. 2011, All rights reserved.

 3 Ways to Pay for a
College Education
Assets
• Money you have saved and accumulated
• Start saving now
• Money you take from your paycheck

Free money / other people’s money

• Member of the “Lucky Parent” Club — 1% of all students
• Scholarships and Grants from private sector
$7 billion available — $6.6 billion unclaimed
over 400,000 sources available
• Federal Grants (complicated process — must qualify on a needs
basis)
• Pell Grants
• SEOG
• Work Study
• College & State Parallel Program

Borrowed Money
76% of students who attend college pay their way by loans.
• Perkins Loan
• Stafford Loan (Subsidized)
• Stafford Loan (Unsubsidized)
• Parent PLUS Loans
• Private

Copyright Interstate Specialty Marketing, Inc. 2011, All Rights Reserved.

Page 5
 Market Research
Survey
1 YES/NO Do you feel confident that Social Security will provide you
with a secure retirement?

2 YES/NO Are you interested in accumulating cash for your future?

3 YES/NO Are you currently involved in a savings program such as;

__ IRA __ 401k __ Life Insurance __ Savings (bank account)

4 YES/NO What amount of cash would you like to have available at

retirement?

__ $100,000 __ $250,000 __ $500,000 __ $750,000

5 YES/NO In order to reach this financial goal, what would you be willing to
save?

__ $15 per week __ $20 per week __ $25 per week __ $30 per week

6 YES/NO By the way, would it be alright if we dropped of an estimate page?

Surveyed by: ___________________________ Date: ___/___/___ Time:

Name of business: ____________________________________________________

Name of owner/manager (print): ________________________________ Age: _____

Signature: ______________________________________________ M/F

Must staple business card to survey for verification purposes

Name ___________________
Address _________________
City ____________________
Phone __________________

CASH ACCUMULATION PLAN

• Not like a CD or IRA…

o Your money is available any time with no penalties!

• If you are hurt and can’t work…

o The plan provides disability insurance

• Assist all academically qualified students in going to the college

of choice!

Retirement example @ $100 per month:

Your age is _______. At age 65 your nest egg $___________

If you don’t touch your nest egg, your monthly income for the rest of
your life could be:

$___________________

Your future financial security made easy