SHOPPING ANNUITY ASSESSMENT

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1 SHOPPING ANNUITY ASSESSMENT

2 TABLE OF CONTENTS I Shopping Annuity Overview II Where Does The Money Go? III Money Saved is Money Earned Assessment Exercise 1: Time Value RESOURCES Shopping Annuity Workbook Shopping Annuity Presentation Video Library Blogs Social Feed Contest IV Identifying Market America Exclusive Products I. Assessment Exercise 2: Market America Exclusive Brands II. Online Shopping Advisor #shoppingannuity V VI Identifying Where You Currently Shop I. Assessment Exercise 3: Regular Spending II. Assessment Exercise 4: SEASONAL Spending UnFranchise Annuity Monthly Projection I. Assessment Exercise 5: Projection VII Declaration ** Assessment Exercises are available in the Shopping Annuity Assessment Workbook ** All currency herein is quoted in U.S. dollars unless otherwise indicated. Canadian and Mexican Independent UnFranchise Owners should convert references of currency to Canadian dollars or Mexican pesos based on the consultant's location. Canadian and Mexican Independent UnFranchise Owner's commissions are converted weekly from U.S. dollars to their country currency. The conversion rate is the exchange rate published by The Wall Street Journal immediately preceding the commission process for each week (typically the Tuesday of the week that commission check is paid).

3 I SHOPPING ANNUITY OVERVIEW The Shopping Annuity is a revolutionary concept that helps smart shoppers convert their spending into earning through SHOP.COM. Unlike a typical annuity from a bank, you don t have to invest a massive sum of money to get started your investment is what you already spend on everyday purchases. Take the assessment and complete the exercises in the assessment workbook to determine your Shopping Annuity earning and savings potential. Converting your spending into earning with the Shopping Annuity is a simple process that you can perform, provided you understand the basic elements: Shopping, and an Annuity. Let s start with the term Annuity. An Annuity is a process by which a fixed payment is made to you at specified intervals for a specified length of time. For example: $1,500 every month for 20 years (240 payments). Now to fund the Annuity, you must contribute a very large, fixed sum payment before the monthly payments to you may begin. For example: $360,000 fixed sum payment to receive $1,500 per month for 20 years. The Shopping Annuity works exactly the same way, only with one major difference. The upfront fixed sum payment is not made by contributing MONEY, but it is made by contributing TIME. By contributing 8-15 hours per week (out of 168 available hours) for months, you create the fixed sum payment. The time spent in redirecting purchases through SHOP.COM where the Shopping Annuity is funded by the margins on the money already spent on products by you and those you lead to. This is accomplished through the SHOP.COM arrangement with sellers to track the sales and convert the profit margins into a social currency (BV & IBV) which accumulates into an account for you as well as 100% of anyone you lead to directly or indirectly. This social currency converts into a residual income at specific thresholds and is calculated weekly. To this end, the money you spend to live is working for you like an investment even after it is spent! Using 8-15 hours per week of discretionary time, performing four actions over a 2-3 year period, could result in a minimum of $1,500 per week or more forever! Market America is a product brokerage and internet marketing company that specializes in one-toone marketing and social shopping. Market America s number one selling product is its UnFranchise Business Development System. It is a system for entrepreneurs to create a significant, ongoing income, while providing consumers worldwide with a better way to shop. This system is fuelled by a Management Performance Compensation Plan (MPCP) that rewards each UnFranchise (UFO) for changing what they shop for and how they shop for it.

4 The Shopping Annuity begins with Completing the shopping annuity assessment: 1. take an inventory of all products your household is currently buying every 4-12 weeks, then identify Market America exclusive products that could replace them. UFOs are compensated from the Business Volume (BV) created for buying and using their own exclusive products. 2. For those products that can t be replaced, simply continue buying those same brands, but change how they are bought. Change from brick and mortar to click and order at the very same stores through your own SHOP.COM website. UFOs are compensated from the Internet Business Volume (IBV) and Cashback created for buying from the same stores through SHOP.COM vs. driving to the store or going directly to the store s website. 3. Identify two to eight individuals committed to improving their financial situation by performing these actions. Teach, manage and assist those individuals above in converting spending into earning by changing what they buy, and how they buy it. 4. Recommend Market America s exclusive products, the SHOP.COM experience, to individuals and build relationships to create lifetime value or future business partners (UFOs). UFOs are compensated by the IBV created by all purchases made from the SHOP.COM websites. These individuals earn Cashback on every purchase they make through your SHOP.COM website and Cashback from all purchases made by individuals they referred to your SHOP.COM website. The result of these four actions is the creation of a never-ending flow of BV and IBV to generate a significant, ongoing residual income and generate an immediate savings in true costs of $8,564 - $12,165 or more plus your households annual purchases. WHERE DOES The II THE MONEY GO? following is from the Bureau of Labor Statistics, Table 1400 Consumer Expenditures 2013, based on consumer unit This verifies, validates and substantiates how much money the average household suspends on shopping that could fund the Shopping Annuity to convert spending into earning. AVERAGE CONSUMER UNIT CHARACTERISTICS Income before taxes $63,784 Income after taxes $56,352 Total Average Annual Expenditures $51,100 Average number in consumer unit: People 2.5 Children under 18.6 Earners 1.3 Vehicles 1.9 Men 47 Women 53

5 Shopping Annuity assessment Consumer Units Sub Totals SHOPPING ANNUITY ITEMS PURCHASEABLE ON SHOP.COM FOOD 6,602 Food at Home 3,977 Cereals and bakery products 544 Cereals and cereal products 185 Bakery products 359 Meats, poultry, fish, and eggs 856 Beef 219 Pork 170 Poultry 170 Fish and Seafood 122 Processed Fruits 115 Processed Vegetables 130 Other food at home 1,412 Food away from home 2,625 Alcoholic Beverages 445 Housing 5,273 Maintenance, repairs, insurance, other expenses 1,182 Residential phone service, VOIP, and phone cards 358 Cellular phone service 913 Other household expenses 776 Household textiles 97 Furniture 382 Floor coverings 20 Major appliances 214 Small appliances, miscellaneous housewares 100 Miscellaneous household equipment 727 APPAREL AND SERVICES 1,604 TRANSPORTATION 835 Maintenance and repairs 835 HEALTHCARE 605 Drugs 470 Medical Supplies 135 ENTERTAINMENT 2,482 Fees and admissions 569 Audio and visual equipment and services 964 Pets, toys, hobbies, and playground equipment 596 Other entertainment supplies, equipment, and services 353 PERSONAL CARE PRODUCTS AND SERVICES 608 Reading 102 MISCELLANEOUS 645 Total Annual Regular Spending: $18,750 Total Monthly Regular Spending: $1,562 * Spending this amount of money, which represents the average spending for a household, exceeds the requirements for the shopping annuity bonus pool!

6 III MONEY SAVED IS MONEY EARNED Once we get our arms around what we spend on products, goods and services annually, we must factor in two major expenses associated with these purchases to determine how much we are spending. These two expenses are TIME and AUTO expenses. These two overlooked expenses can result in thousands of dollars extra added to the cost of your annual purchases. Just by Changing HOW you shop at stores you currently shop at will result in immediate savings. If you are a UFO building a BDC to $109,000/year or more, or you are currently earning the average income of $56,352, then that is the number that determines the value of your time. Money saved is money earned. Example 1 Example 2 Your Annual Income $109,000 $56,352 Hours worked per week What your time is worth per hour $52.40 $27.09 Number of times per week you take a trip to the store 4 4 Minutes spent driving per trip Cost of your time spent driving per year $6,358 $3,287 ASSESSMENT EXERCISE 1: TIME VALUE IN THE SHOPPING ANNUITY ASSESSMENT WORKBOOK Click on Tab Ex 1 Time Value Enter Your annual income in the first field Enter the number of times you take a trip to the store each week Enter the number of minutes spent on average per trip Click Enter and your results will automatically calculate Value of your time: + $1,627 (Avg.Wear & Tear) + $1,165 (Avg. Gas Savings) = YOUR TOTAL SAVINGS: IV IDENTIFYING MARKET AMERICA's EXCLUSIVE PRODUCTS A. Assessing Household Needs & Purchases The most important step in creating a Shopping Annuity is to take an inventory of all products your household is currently buying every 4 12 weeks, then identify Market America's exclusive products that could replace them. As a business owner, UFOs are compensated from the BV created for buying and using the products they sell and represent. It is imperative that we maximize the number of Market America branded products our household use. The number of products we use has a direct correlation to the number of products we will sell.

7 ASSESSMENT EXERCISE 2: MA BRANDS Click on Tab Ex 2- ma Brands Enter in numbers for the Household Survey Enter an x next to each product you take Click Calculate Potential for my Shopping Annuity Click Reset Workbook to start over B. Shopping Advisor The Shopping Advisor is a tool that automates and assists UFOs in identifying products, goods and services that they are currently buying on a regular basis to ensure they convert their spending into earning through their UnFranchise and SHOP.COM. The Shopping Advisor takes you on a tour of a virtual home to identify negative products (items not purchased through your UnFranchise Business or SHOP.COM) that can be turned into positive products by switching to Market America branded products or purchasing the same products through their SHOP.COM site. Complete the Shopping Advisor to obtain an accurate assessment of all the Market America exclusive branded products your household should be using every 4-12 weeks. Remember to consider the total demographics of your entire household while on tour of the virtual home. This is the most important step in creating a Market America Shopping Annuity, so allow yourself minutes to complete within the next hours. To get a general idea of what type of results (savings and compensation) you can expect, complete the following survey. V IDENTIFYING WHERE YOU CURRENTLY SHOP For those products that can t be replaced, simply continue buying those same brands, but change how they are bought. To earn IBV and CashBack and maximize turning Spending into Earning; change from Brick and Mortar to Click and Order. To ensure that you get the best deals on the products you are looking for and you always receive Cashback and IBV, you need to install ShopBuddy on every computer in your household. If someone in your household does not go to a store through you SHOP.COM site, ShopBuddy will alert them that cashback and IBV will not be earned if they continue to shop. The following breaks down the shopping events every household is presented with on an annual basis. Every UFO should create a my list on their SHOP.COM site with the stores they shop at by Season, Occasion, Project, Occurrence, and Product Category. The following will help you in the creation of these lists. ASSESSMENT EXERCISE 3: REGULAR SPENDING Click on Tab Ex 3- Regular Spending Take a look at the average monthly spending enter an estimate for your monthly spending in the My Monthly Spending column ASSESSMENT EXERCISE 3: ANNUAL SPENDING Click on Tab Ex 4- Annual Spending take a look at the spending that you may do throughout the year enter an estimate for each item in the Annual Spending Estimate column

8 Stores by Category OTHER SERVICES Foreign Travel SHOP.COM Travel Sandals Luxury IHG Marriot Hotel & Resort Cheap Caribbean.com Cell-Phone Services boost Mobile AT&T Unlimited Cellular - OneCart LODGING & FOOD SERVICE Restaurant Meals restaurant.com Hotels SHOP.COM Travel Marriot Hotel & Resort Hyatt Hotels & Resort IHG Pets entirely Pets OneCart upco Pet Supplies Wag.com petco petsmart Movie Theaters Fandango MOTOR VEHICLES Accessories / Parts tool King OneCart AutoZone Advanced Auto Parts Tires tire Rack discount Tires GOODS Pharmaceuticals Drugstore.com Walgreens Household Cleaning Supplies SNAP Market America Hoover irobot Personal Care Philosophy Brookstone, OneCart Tobacco Thompson Cigar Gotham Cigar Games, Toys, Hobbies Toys R Us GameStop HobbieTron.com Jewelry Loren Jewels Beadaholique OneCart Kay Jewelers Watches NYWatchStore OneCart Fossil Martian Watches- OneCart Shinola Film / Photo Supplies CVS Best Buy Adorama Camera Cannon USA, Inc RECREATION TVs SHOP.COM DIRECT TigerDirect, OneCart Best Buy Musical Instruments Cascio Interstate Music Guitar Center Crystalcello Musical Inst. Bicycles Outlet Stores OneCart REI Competitive Cyclist FOOD Poultry/Beef/Veal/ Seafood American Beef D artagnan Omaha Steaks Lobster Gram Sugar / Sweets Hershey Store David s Cookies OneCart SHOP.COM Groceries Fresh Fruit Harry & David Cherry Moon Farms Baskets Wine Naked Wines Wine.com Cost Plus World Market CLOTHING Women s Clothing Luxury Lane OneCart Macy s JC Penny Express.com Men's Clothing SuitBargains.com OneCart Macy s Shoes New Balance Shoe Metro OneCart ALDO Children s Clothing Carters The Children s Place OshKosh B Gosh BunnyBerry OneCart FURNISHINGS Furniture cymax Stores OneCart carolina Char & Table OneCart home Decorations Collection crate & Barrel Appliances Sears home Depot best Buy AJ Madison Dishes cooking.com OneCart Wedgewood royal Doulton Tools Tool King OneCart Sears Home Depot Tractor Supply Co. Outdoor Equipment Tractor Supplu Co. gardener s Supply Co. home Depot VI UNFRANCHISE ANNUITY MONTHLY PROJECTION As you fund your Shopping Annuity, your monthly BV and IBV will grow. The following exercise will help you to calculate: 1. Current RESIDUAL INCOME FROM BV and IBV 2. projected RESIDUAL INCOME FROM BV and IBV ASSESSMENT EXERCISE 5: PROJECTIONS Click on Tab Ex 5- Projections Insert your Organizational Average Monthly BV and IBV for the respective BDCs. enter your Personal Monthly Average BV/IBV that will be used to calculate organizational projections Insert the number of Active UFOs in the respective Organization of your BDCs. Insert the number of Completed Assessments by UFOs in your respective organizations. insert the number of Projected Assessments to be completed by UFOs in your respective organizations

9 VII DECLARATION "I am in agreement with the declaration, principals, concepts and fundamental truths set forth in the Shopping Annuity Assessment. I am committed to executing all of the activities contained within the Shopping Annuity Assessment as a demonstration of my commitment. Completing the Shopping Annuity Assessment activities qualifies me as a Shopping Annuity Policy Member. This entitles me to utilize the Referral Tracking System and to earn on the social currency created from converting spending into a residual income in accordance to the rules and regulations of the MPCP. Membership requires satisfying minimum activities published quarterly, and entitles me to exclusive offers, deals, consulting services and participation in incentives. I agree to practice the Shopping Annuity Members Creed. Date: Signature : UnFranchise Owner & Shopping Annuity Consultant Signature : Market America & SHOP.COM, President & CEO

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