1. Overview of the IDA Marketing Services Integrated Wealth Plan The Integrated Wealth Plan © IDA Marketing Services, Inc. All rights reserved. 11/2008

3. How to Get Started YOU Join IDA as a Certified Associate by purchasing the Fast Track Program for $499.95. Receive all future training and the Associate Business Kit for free. ( Plus become CAB qualified by creating 1 Personal Retail Sale. ) - or - Join IDA as an Associate by purchasing the Associate Business Kit for $99.95 and complete your training as you go. ( Plus become CAB qualified by creating 15 Personal Retail Sales. )

4. Becoming “CAB” Qualified YOU YOU Simply Enroll 1 Customer Qualify for the Customer Acquisition Bonus… “CAB” Plan YOU EARN $100 “CAB” Bonus Plus $100 “Fast Start” Bonus* $200 *Earn a Fast Start Bonus by becoming “CAB” qualified in the month of your enrollment or the next calendar month. YOU

5. Becoming a Certified Senior Associate You earn $100 CAB+$50 RSB * for CA 2 *Any CAB Qualified Associate is eligible to receive a one time $50 Enroller’s Retail Sale Bonus on each of their first two Personally Enrolled Associates or Certified Associates when they become CAB Qualified. CA 1 CA 2 CA 1 Personally Creates 1 Retail Sale and CA 1 earns a $200 Bonus ($100 CAB + $100 FSB) CA 2 Personally Creates 1 Retail Sale and CA 2 earns a $200 Bonus ($100 CAB + $100 FSB) YOU as a CAB Qualified CA You earn $100 CAB+$50 RSB * for CA 1

6. You Have Recovered Your Startup Costs Cost to Join IDA as a Certified Associate Total Earnings* Profit $499 $696 $197 * Assumes a total of three CDRP Plan 3 accounts (the Lump Sum Plan) have been established, thereby earning the highest available personal commission and assumes that the receiving Associate also qualified for a Fast Start Bonus, Enroller Bonus (for enrolling two new CAs in the same month) , Retail Sale Bonus (for two new CAs first Personal Retail Sales) and earned an additional 5% on his first Tier.

7. The Business Opportunity Success System Join IDA as a CA ($499.95) and create 1 Retail Sale Enroll two new CAs and help them each create 1 Personal Retail Sale Step 1 Step 2 You have just completed the two foundational steps of IDA’s Business Opportunity Success System™ (BOSS™).

8. The Product Plan The Product Pay Plan (Product Plan) Available to all Associates

10. Understanding the Product Plan The Product Plan – Personal Commissions at a glance Associates may earn personal commissions from $26 to $78 for establishing new CDRP accounts. IDA shares 80% of its gross revenue (or $260) from each new CDRP account with the field. Up to 30% of the $260 is paid to Associates in the form of personal commissions. Shared Revenue and Enhanced Shared Revenue Monthly Qualifications Associates earn Shared Revenue Plan 1 ($25 x 40 Months) earns (Plan 1 commissions paid on an earned basis over 12 months) CAs earn Enhanced Shared Revenue $26 (or 10% of Shared Revenue) $52 (or 20% of Shared Revenue) Plan 2 ($50 x 15 Months) earns (Plan 2 commissions paid on an earned basis over 6 months) $39 (or 15% of Shared Revenue) $65 (or 25% of Shared Revenue) Plan 3 ($650 x Lump Sum) earns (Plan 3 commissions paid on an earned basis over 1 month) $52 (or 20% of Shared Revenue) $78 (or 30% of Shared Revenue)

11. Understanding the Product Plan The Product Plan – Associate Ranks at a glance Now that you understand how Associates get paid for establishing new CDRP accounts, let’s look at the Associate ranks and titles that can be earned in the Product Plan. Associate Senior Associate Marketing Director Regional Marketing Director National Marketing Director

12. Understanding the Product Plan The Product Plan – Tiered Bonuses at a glance All Associates may earn tiered bonuses on the new CDRP accounts established by your personally enrolled Associates, and all of their Associates, and so on, to a depth of 9 Tiers. Associate Senior Associate Tier 1 5% 5% Tier 2 5% 5% Tier 3 5% Marketing Director 5% 5% 5% Tier 4 5% Tier 5 5% Regional Marketing Director 5% 5% 5% 5% 5% Tier 6 Tier 7 5% 5% National Marketing Director 5% 5% 5% 5% 5% 5% 5% Tier 8 Tier 9 5% 5%

13. Understanding the Product Plan The Product Plan – Enroller Bonuses at a glance The Product Plan also pays “Enroller Bonuses” to qualified Associates and may pay an additional 5% (of Shared Revenue) on all of your 1st and 2nd Tier Associates. Enroller Bonuses are “in addition” to the 1st and 2nd Tiered Bonuses! Associates qualify monthly for Enroller Bonuses by creating a minimum of two (2) Associate Points in the same month. Associate Senior Associate 1st Tier E-1 5% E-1 5% 2nd Tier E-2 5% E-2 5% Marketing Director E-1 5% E-2 5% Regional Marketing Director N/A N/A National Marketing Director N/A N/A At the two highest ranks, RMD and NMD, the 5% Enroller Bonuses have been reallocated as Tiered Bonuses on Tiers 6 through 9, allowing Associates to earn 5% through nine tiers, earning on many more Associates instead of just a few.

14. Summary of the Product Plan Associate Senior Associate Marketing Director Regional Marketing Director National Marketing Director Personal Commissions Certified Associates CDRP Plans $52 Plan 1 ($25 x 40 months = $1000 (no discount) Associates $26 $65 Plan 2 ($50 x 15 months = $750 (25% discount) $39 $78 Plan 3 ($650 x 1 month = $650 (35% discount) $52 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% Tiered Bonuses Enroller Bonuses E-1 5% E-1 5% E-1 5% N / A N / A E-2 5% E-2 5% E-2 5% N / A N / A

15. The CAB Plan The Customer Acquisition Bonus Plan (CAB Plan) For CAB Qualified Associates Only

16. Understanding the CAB Plan The Customer Acquisition Bonus Plan – at a glance There are 5 Ranks (or Titles) in the CAB Plan and they are the same ranks that are in the Product Plan. In the CAB Plan, the 5 Ranks correspond to the five Coded Business Centers that you will create in the CAB Plan as you build your IDA Business. For example, your “Certified Marketing Director” Business Center would be your third business center in the CAB Plan. Certified Associate Certified Senior Associate Certified Marketing Director Regional Marketing Director National Marketing Director Business Center 1 Business Center 2 Business Center 3 Business Center 4 Business Center 5

17. Understanding the CAB Plan The Customer Acquisition Bonus Plan – at a glance Depending on your rank, every time you “personally enroll” a new CA into a Business Center, you will earn the corresponding CAB once the new CA qualifies by creating 1 Personal Retail Sale. You will earn the following CABs in each Business Center… Certified Associate Certified Senior Associate Certified Marketing Director Regional Marketing Director National Marketing Director Business Center 1 Business Center 2 Business Center 3 Business Center 4 Business Center 5 $100 $150 $175 $200 $250 Personal Customer Acquisition Bonuses (CABs) on all “personally enrolled” CAs

18. Understanding the CAB Plan Enroller Check Match Bonuses – at a glance In addition to the CABs that you may earn, you will also earn “Enroller Check Match Bonuses” on all of your “personally enrolled” CAs. This means that, when your personally enrolled CAs earn CABs, you will receive a “Check Match Bonus” accordingly. Certified Associate Certified Senior Associate Certified Marketing Director Regional Marketing Director National Marketing Director Business Center 1 Business Center 2 Business Center 3 Business Center 4 Business Center 5 Enroller Check Match Bonuses on all “personally enrolled” CAs 20% CAs 1 and 2 10% 14% 17% 20% On all CAs

19. Understanding the CAB Plan Differential Bonuses – at a glance In addition to the CABs and Check Match Bonuses you may earn on your personally enrolled CAs… You may also earn “Differential Bonuses” on all of your indirectly enrolled CAs when they qualify by creating 1 Personal Retail Sale. Certified Associate Certified Senior Associate Certified Marketing Director Regional Marketing Director National Marketing Director Business Center 1 Business Center 2 Business Center 3 Business Center 4 Business Center 5 Differential Bonuses (DBs) on all your “indirectly enrolled” CAs N/A $50 $75 $100 $150

20. Understanding the CAB Plan Differential Bonuses – at a glance You may earn “Differential Bonuses” on all of your indirectly enrolled CAs FOR AN INFINITE DEPTH AND AN INFINITE WIDTH Certified Associate Certified Senior Associate Certified Marketing Director Regional Marketing Director National Marketing Director Business Center 1 Business Center 2 Business Center 3 Business Center 4 Business Center 5 Differential Bonuses (DBs) on all your “indirectly enrolled” CAs N/A $50 $75 $100 $150

21. Summary of the CAB Plan     Certified Associate Certified Senior Associate Certified Marketing Director Regional Marketing Director National Marketing Director Business Center 1 Business Center 2 Business Center 3 Business Center 4 Business Center 5 Personal Customer Acquisition Bonuses (CABs) on all your “ personally enrolled ” CAs $100 CAB $150 CAB $175 CAB $200 CAB $250 CAB Differential Bonuses (DBs) on all your “ indirectly enrolled ” CAs N/A $50 DB $75 DB $100 DB $150 DB 20% CAs 1 and 2 10% 14% 17% 20% Enroller Check Match Bonuses on all “ personally enrolled ” CAs

22. The Bonus Pools The Bonus Pools Available to all Qualifying Associates

24. Understanding the Bonus Pools The CDRP Builder’s Pool – at a glance The CDRP Builder’s Pool Funded by 2% of all national CDRP sales Pays all Associates* Who create 3 or more CDRP sales in the same month (3 sales earns 1 share, 4 sales earns 2 shares, etc.) Paid The CDRP Builder’s Pool Bonus is paid to all Qualifying and active Associates quarterly. * Associates must be personally active in order to earn CDRP Builder’s Pool bonuses. See the Integrated Wealth Plan Retail for a detailed explanation of the Personally Active Requirements.

25. Understanding the Bonus Pools The CA Builder’s Pool – at a glance The CA Builder’s Pool Funded by $25 from every new CA enrollment Pays all Associates* Who enroll 3 or more CAs in the same month (3 new CAs earns 1 share, 4 new CAs earns 2 shares, etc.) Paid The CA Builder’s Pool Bonus is paid to all Qualifying and active Associates quarterly. * Associates must be personally active and meet or maintain appropriate Retail Sale requirements in order to earn CA Builder’s Pool bonuses. See the Integrated Wealth Plan Retail for a detailed explanation of the Personally Active and “CDRP Retail Sale Requirements.

27. Let’s Review… The IDA Integrated Wealth Plan Summary The Product Plan, CAB Plan, and the Bonus Pools… 1. Personal CABs (from $100 at the CA rank to $250 at the NMD rank) 2. Check Match Bonuses (10% to 20% Check Match on personally enrolled CAs) 3. Differential Bonuses (from $50 at the CSA rank to $150 at the NMD rank) The CAB Plan – Available to Certified Associates Only 1. Personal Commissions of $26 to $78 for personally establishing new CDRPs 2. Tiered Bonuses of $13 paid through 9 Tiers (5% of Shared Revenue) 3. Enroller Bonuses of $13 applied to first two Tiers (5% of Shared Revenue) The Product Plan – Available to all Associates 1. CDRP Builder’s Pool (2% of National Sales divided among top CDRP producers) 2. CA Builder’s Pool ($25 from every CA enrollment divided among top CA enrollers) 3. National Leadership Pool (4% of National Sales divided among top IDA Leaders) The Bonus Pools – Available to all Qualifying Associates

28. Let’s Review… The IDA Business Opportunity Success System (BOSS) Step 1 – Join IDA as a Certified Associate ($499.95) and become CAB Qualified by creating1 Personal Retail Sale. Step 2 – Enroll two new Certified Associates and help them become CAB Qualified by creating1 Personal Retail Sale each. The BOSS can be duplicated over and over, and in your CAB Business Centers, to an unlimited width and depth. * Assumes Associate has achieved Fast Start Bonus. YOU CA CA 1 CA 2 1 PRS $200 * 1 PRS $200 * $150 $150

29. Understanding How the CAB Works… Adam still collects a 20% Check Match Bonus on Beth and Carl but also collects a 20% Check Match Bonus on all “personally enrolled” CAs for life. Julie and Kyle each enroll two CAs (that qualify) and Adam earns a $150 DB from J1 – K2, and everyone below them, to infinity! Holly and Ian each enroll two CAs (that qualify) and Adam earns a $100 DB from H1 – I2, and everyone below them, to infinity! Beth and Carl each enroll two CAs (that qualify) and Adam’s upline earns DBs from B1 – C2, and everyone below them, to infinity. CA (Business Center 1) SA (Business Center 2) MD (Business Center 3) RMD (Business Center 4) NMD (Business Center 5) Adam joins IDA as a CA ($499.95) opening his “CA Business Center” and “ qualifies” by creating 1 Personal RS earning a $100 CAB Adam opens his second Business Center— his “CSA Business Center” enrolling Dawn and Ed CAB is now = $150 Adam opens his third Business Center— his “CMD Business Center” enrolling Faye and Glenn CAB is now = $175 Adam enrolls Beth and Carl Adam enrolls Dawn and Ed Adam enrolls Faye and Glenn Beth Carl B1 B2 C1 C2 Adam earns a $100 CAB on Beth and Carl when they qualify ($200) Adam earns a $150 CAB on Dawn and Ed when they qualify ($300) Adam earns a $175 CAB on Faye and Glenn when they qualify ($350) Dawn and Ed each enroll two CAs (that qualify) and Adam earns a $50 DB from D1 – E2, and everyone below them, to infinity! Adam collects a 20% Check Match Bonus on his first two “personally enrolled” CAs, Beth and Carl, for life. Adam still collects a 20% Check Match Bonus on Beth and Carl but now collects 10% on “personally enrolled” CAs, Dawn and Ed, for life. And because Beth and Carl “qualified” as CAs by creating 1 Personal RS …Adam is now promoted to CSA When Adam’s “organization” has created 100 Active CDRP Accounts, Adam is promoted to CMD When Adam’s “organization” has created10,000 Active CDRP Accounts, Adam qualifies for the “Annuity for Life” Program Dawn Ed D1 D2 E1 E2 Faye Glenn Faye and Glenn each enroll two CAs (that qualify) and Adam earns a $75 DB from F1 – G2, and everyone below them, to infinity! F1 F2 G1 G2 Adam still collects a 20% Check Match Bonus on Beth and Carl but now collects 14% on “personally enrolled” CAs Dawn, Ed, Faye and Glenn, for life. When Adam’s “organization” has created 500 Active CDRP Accounts, Adam is promoted to RMD Adam opens his fourth Business Center— his “RMD Business Center” enrolling Holly and Ian CAB is now = $200 Adam enrolls Holly and Ian Holly Ian Adam earns a $200 CAB on Holly and Ian when they qualify ($400) H1 H2 I1 I2 Adam still collects a 20% Check Match Bonus on Beth and Carl but now collects 17% on “personally enrolled” CAs Dawn, Ed, Faye, Glenn, Holly, and Ian, for life. When Adam’s “organization” has created 2500 Active CDRP Accounts, Adam is promoted to NMD Adam opens his fifth Business Center— his “NMD Business Center” enrolling Julie and Kyle CAB is now = $250 Adam enrolls Julie and Kyle Julie Kyle Adam earns a $250 CAB on Julie and Kyle when they qualify ($500) J1 J2 K1 K2

30. The IDA Annuity for Life Plan The IDA Annuity for Life Plan – at a glance The Annuity for Life Plan is a special program available to Associates who go above and beyond the personal and organizational performance required to achieve the rank of National Marketing Director. The Annuity for Life Plan can provide true “walk away” income allowing the Associate to effectively retire from their IDA Business…yet still receive a substantial income stream from the organization they build and the business that they create.

31. The IDA Annuity for Life Plan Overview of the IDA Annuity for Life Plan… The three positions beyond that of National Marketing Director which are eligible to earn annuity income streams for life are: Executive Marketing Director, Senior Executive Marketing Director, and Vice President. For those who qualify, the Annuity for Life can provide income streams of… … without requiring the Associate to continue producing or building an organization, providing a true “walk away” income stream. IDA is the only networking opportunity that offers a true retirement income stream to its Associates. *Subject to plan qualifications and limitations. Executive Marketing Director $40,000* Senior Executive Marketing Director $100,000* Vice President $200,000*

32. Conclusion Conclusion of the Integrated Wealth Plan Overview This concludes the overview of the IDA Integrated Wealth Plan. For more information on the IWP, or the IDA Business Opportunity, please contact the IDA Representative who referred you to this website or this presentation. Thank you for your time and attention. “ IDA…Helping people work smarter…not harder!” ™ © IDA Marketing Services, Inc. All rights reserved. 09/2008