ions. Once the transaction is near completion, the employee will have had the time to make an educated guess on what additional services the customer may prefer. Therefore, the Tag-On process will be more inviting to the customer and will increase new product sales. Having successfully completed the new product referral, frontline employee satisfaction will substantially increase. Demographic information will be obtained through application forms for new customers and through surveys or old application forms for existing customers.Addressing the weak areas of our employee perceptions will increase overall employee satisfaction and not jeopardize long term profits. Besides employee perceptions, employee survey results must also be addressed. From 1994 to 1995, our recognition, reward, and advancement structures took the biggest hits. We will continue to offer employee incentives through the SSE Plan, but the payout will increase by 25% and a point for each referral will be given as well. In addition, the frontline employees will receive the incentive reward only after selling one product during either the morning or afternoon. The employee will be eligible for a total of two incentive rewards per day. Employee recognition will become one of the top five job responsibilities for our management. Management will monitor SSE Plan payout and point allocations to determine monthly and quarterly leaders. The top three leaders per term will be eligible for additional cash or prize rewards. Increasing our employee initiatives will increase their motivation to satisfy customer demands. It will ultimately drive employee satisfaction, reduce employee defection and increase earnings.We will continue to monitor customer and employee satisfaction through corporate surveys. The customer survey will not change, however, the content of the employee survey and administration frequency will change. In order to ensure high completion rates, al...