The document summarizes a business opportunity with a company called IDA that markets a Collision Deductible Reserve Plan (CDRP) to help consumers save money on auto insurance. IDA provides both a service to consumers through the CDRP and a multi-level marketing opportunity for associates to earn commissions and bonuses by enrolling customers and building a sales team. Associates can work the business part-time with minimal costs and have potential to earn thousands of dollars per month or more by becoming a top leader in the company.

1. Business Opportunity “ Helping people save money…helping people make money!” ™

3. The average credit card interest rate is 12.29% with many rates exceeding 21.90%.

4. Americans have an average of only $620 in their checking accounts. 1. U.S. News and World Report, “ The End of Credit Card Consumerism ," August, 2008. DEBT IN AMERICA

6. IDA has proven industry management, leadership, and advisory team that includes Fortune 500 industry leaders. INTRODUCING IDA

13. $1,000 Reserve fund is available from day one! Plan 1 Plan 2 Plan 3 $25 per month x 40 months = $1000 ( no discount) $50 per month x 15 months = $750 ( 25% discount ) $650 lump sum x 1 month = $650 ( 35% discount ) CDRP FUNDING OPTIONS

16. One of the highest compensation packages in the networking industry

17. A HUGE national marketplace…over 150 Million Households

18. A proven leadership team that includes Fortune 500 executives

19. No full-time commitment or loss of job security

22. The Product Pay Plan pays ALL Associates three ways: Personal Commissions $26 to $78 for creating new CDRP Accounts; All active Certified Associates earn personal commissions for enrolling new CDRP Accounts. 1 Overrides 5% (or $13) through nine tiers; Depending upon rank, Associates can earn overrides on their organization to a depth of nine tiers. 2 Enroller Bonuses An additional 5% (or $13) on 1 st and 2 nd tiers; Associates who qualify each month, can earn an additional 5% (or $13) on their first and second tiers. 3 THE PRODUCT PLAN

23. The Customer Acquisition Bonus Plan pays CAB Qualified Associates three ways: Personal Customer Acquisition Bonuses $100 to $250 on personally enrolled Associates CAB Qualified Associates can earn Personal Customer Acquisition Bonuses when they and their personally enrolled Associates become CAB Qualified. 4 Check Match Bonuses 10% to 20% on all personally enrolled Associates CAB Qualified Associates can earn Check Match Bonuses based upon the CAB Checks of their personally enrolled Associates. 5 Differential Bonuses $50 to $150 on all indirectly enrolled Associates CAB Qualified Associates can earn Differential Bonuses when their indirectly enrolled Associates become CAB Qualified. Differential Bonuses may be earned to an infinite depth. 6 THE CAB PLAN

24. IDA has three industry leading bonus pools. They are: The CDRP Builder’s Pool – rewarding the top CDRP producers Funded by 2% of national CDRP sales Available to ALL qualifying Associates regardless of rank. 7 The CA Builder’s Pool – rewarding the top CA enrollers Funded by $25 from every new Certified Associate enrollment Available to ALL qualifying Associates regardless of rank. 8 The National Leadership Pool Funded by 4% of national CDRP sales Available to the top leaders in IDA. 9 THE BONUS POOLS

25. IDA also has the industry’s FIRST PENSION PLAN –providing true “walk away” income! $40,000 per year – Annuity for life! Available for all qualifying Executive Marketing Directors 10 $100,000 per year – Annuity for life! Available for all qualifying Senior Executive Marketing Directors 11 $200,000 per year – Annuity for life! Available for all qualifying Vice Presidents 12 THE ANNUITY FOR LIFE PLANS

26. Senior Associate 1 3 100 500 2,500 10,000 25,000 50,000 Total Active Group CDRP Accounts (Lifetime Accounts) $15,000 $40,000 $75,000 $150,000 $225,000 $350,000 $500,000+ Associate Regional Marketing Director National Marketing Director Executive Marketing Director Senior Executive Marketing Director Vice President $200,000 Annuity $100,000 Annuity $40,000 Annuity $800 Car Allowance Annual Income Potential $3,000 A SA MD RMD NMD SEMD VP NMD Marketing Director EARNING POTENTIAL

28. Summary: Join, make one sale, recruit two who each make one sale. A SYSTEM FOR SUCCESS

29. Become “CAB” Qualified Become a Certified Associate 1 CDRP Simply Enroll 1 Customer YOU EARN $100 “CAB” Bonus and YOU EARN $100 “Fast Start” Bonus* $200 YOU BUSINESS OPPORTUNITY SUCCESS SYSTEM ( BOSS )

30. The BOSS in action! As a new Certified Associate 1. Create one new retail sale 2. Personally enroll two new CAs 3. Your new CA’s create one sale each CONGRATULATIONS! You are now a Senior Associate earning you over $640 1 CDRP $150 $150 And CA 1 Earns $200 BONUS (if Fast Start also) And CA 1 Earns $200 BONUS (if Fast Start also) 1 CDRP 1 CDRP YOU CA 1 CA 2 PROMOTE TO CERTIFIED SENIOR ASSOCIATE