1. 3 Questions 1.Do you save money in the bank? Yes or No ____________ 2.Which Bank do you open the account with? MBB, CIMB, RHB, HSBC etc._____________ 3.Do you know what is the current bank interest rate?_____________

2. Saving A/C Bank Int.rates 0.25% RM1000 x 0.30% = RM 3 1 st Year RM 3,000 2 nd Year RM 3,000 3 rd Year RM 3,000 4 th Year RM 3,000 RM 60,000 RM 1,746 + RM 61,746 1 st Year RM 3,000  Nothing 2 nd Year RM 3,000  RM 1,800 3 rd Year RM 3,000  Nothing 4 th Year RM 3,000  RM 1,800 20 Year RM 60,000 + RM 16,200 RM 76,200 New phone Travel Saved --> RM 9 --> RM 18 --> RM 27 --> RM 36 20 Year + 5% = RM 85,000 Prucash A/C

3. RM3,000 RM1,800 RM3,000 RM1,800 RM3,000 RM1,800 Death /TPD + RM250 P.A RM30,000 RM70,000 + RM410 P.A RM70,000 RM170,000 + Dividend Waived 20 years

4. Simple Test  Able to make phone call.  Accept Rejection.  Allowed to entertain people idea.  Afford to go extra miles

5. Income & Reward Work 5 days 15 People appointment 2 Cases close / week RM 6000 / week x 40% commission RM 2,400 / week x 52 weeks = 1 st Year RM 125,000 = RM 250,000 in 2 years 3 Presentation = MONTHLY INCOME RM21,000 / month