1. Completed: February 2005 Prepared exclusively for: Conducted by BusinessWeek Research Services Member Profile Survey: Beta Gamma Sigma Honor Society

2. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 2 Table of Contents Objectives Methodology BGS Membership and Demographics Respondents Profile Strong Need For Better Programs or Services Prioritizing Life Values Members Rely on Media For Information Whats Being Read in Magazines/Newspapers Number of Trips Taken Engaged in Civic Responsibilities Active Club Participants Purchasing Power Online Shopping Attitudes and Beliefs What Signals Success Commitment Summary Questionnaire

3. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 3 Research Objectives To learn about members experiences with Beta Gamma Sigma Honor Society To determine which products or services are most beneficial to BGS members To learn who our members are To find out about their lifestyle To determine how success is defined among our members To find out what members are committed to

4. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 4 Methodology Sample was selected from Beta Gamma Sigmas e-mail database. Random sample of 20,000 members were invited to participate in an online survey on January 31, 2005. By February 14, 2005 a total of 1,544 surveys were completed for a response rate of 8%. Members were offered a chance to win one of two $500 American Express Gift Cheques. All fieldwork and data tabulations were conducted by InsightExpress, an independent market research firm.

5. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 5 BGS Membership & Demographics A More Affluent Constituent Member of Beta Gamma Sigma Honor Society BGS2004 MembersMMR Male:62%50% Female:38%50% Average age:40 yrs47 yrs Average HHI:$147K$135K Postgraduate study/degree76%20% Top Management22%15% Business decision makers57%45% Survey Demos vs. 2004 MMR* Bases: Respondents=1543; Financial Contribution=1497 Beta Gamma Sigma Respondents/Members Source: BusinessWeek Research Services/InsightExpress; *2004 Mendelsohn Affluent Survey (HHI $75,000+); ** Less than 1% Made Financial Contribution to Beta Gamma Sigma Honor Society

6. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 6 $100 – $249.9 million $50 – $99.9 million $250 – $499.9 million $500 – $999.9 million $1 – $1.9 billion $2 billion or more Under $10 million $10 – $49.9 million Respondent Profile Bases: Job Title=1395; Employee Size=1381; Sales Revenue=1260 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/Insight Express 0 - 99100 - 9991,000+ Job Title Employee Size Sales Revenue Senior Executive Education Professional Consultant Other AccountantGen. Mgr./ Group/Div Dir/ Dept Mgr./ Supervisor Average Sales Revenue $816,685,119

7. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 7 Investment Profile Bases: Securities Own=1544; Number of Transactions=1471; Net Worth=1378 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/Insight Express Securities Own Number of Securities Transactions Net Worth Mutual funds Company stock U.S Government bonds NoneState/ city/ tax-free bonds Other corporate stock CDsCorporate bonds 1 - 45 - 9 25 or more 10 - 24None Under $100,000 $100,000 – $249,999 $250,000 – $499,999 $500,000 – $999,999 $1 million – $1.9 million $2 million or more Average Net Worth $821,825

8. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 8 Strong Need For Better Programs/Services Base: Members=1500 Beta Gamma Sigma Members Source: BusinessWeek Research Services/Insight Express Used or participated in any program64% Visit BetaNet, Beta Gamma Sigmas website45% CareerCentral On-Line Job Board22% Alumni Chapter events in your area14% Collegiate Chapter events at your school12% Financial contributor to Societys programs9% Corporate partnerships benefits (i.e. discount programs)2% Scholarship recipient2% Student Leadership Forum / National Seminar1% Have not participated in any of the above36% Program Have Used Or Participated In Job search/employee recruitment matching56% Networking54% Special discounts on services/products42% Leadership/professional development/ CEU programs39% Career assistance programs37% Information source on timely business topics36% Mentoring opportunities28% Special discounts/opportunities for educational or licensing review program26% Educational travel23% None of the above7% Programs That Would Be More Beneficial

9. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 9 Prioritizing Life Values Company Has Code of Ethical Behavior % citing 3 Personal responsibility77% Respect for other people66% The work ethic50% Good citizenship27% Tolerance of people who are different27% Concern for the less fortunate23% Respect for the law19% Respect for authority6% Most Important Values Bases: Important Values=1543; Have Code of Ethical Behavior=1527; Experienced Conflict=1535 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/InsightExpress Ever Experienced Conflict Between Your Personal Values and Employee Expectations

10. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 10 Members Rely On Media For Information Bases: Read Regularly=1543; Spent Hours Online=1540 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/Insight Express Read 3 out of every 4 issues The Wall Street Journal30% BusinessWeek20% The Economist11% Fortune10% Forbes8% Harvard Business Review7% Financial Times4% Business 2.04% None of the above48% Publications Read Regularly Does not include reading/replying to e-mail Less than 1 hour a week4% 1 to 2 hours a week15% 3 to 4 hours a week21% 5 to 9 hours a week24% 10 to 14 hours a week16% 15 to 19 hours a week6% 20 hours or more a week14% Average number of hours8.4 Number of Hours Spend Online

11. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 11 Whats Being Read In Magazines/Newspapers Future trends87% Personal finance84% Economic trends/analyses84% New products79% Business management strategies78% Investment/finance76% Science, medicine, health73% Government action/policies73% Leisure time/lifestyle73% Industry forecasts73% Company performance72% Business finance71% Consumer advice70% High/Moderate Interest Base:1537 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/Insight Express Work/family issues68% Information technology68% Education66% Politics65% International business65% Career planning64% Profiles of business leaders60% E-commerce/business60% Profiles of entrepreneurs55% Small business53% Marketing/selling52% Executive education46% Business schools/colleges45%

12. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 12 Number Of Trips Taken Base: 1539; *less than 1% Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/InsightExpress Business TripsLeisure Trips One trip14%22% Two trips13%21% Three trips7%13% Four trips7%9% Five to nine trips12%11% Ten to fourteen trips6%1% Fifteen to nineteen trips2%0%* Twenty or more trips6%0%* None34%23% Average number of trips3.92.5

13. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 13 Engaged In Civic Responsibilities Any participation77% Involved, served or active in a religious organization34% Gave a speech or addressed a public meeting33% Wrote or e-mailed a public official30% Worked 10 or more hours a month for a non-political charitable organization23% Took an active role in a civic or social issue21% Served on a charitable or other board of directors20% Wrote or e-mailed a newspaper or magazine editor19% Wrote an article or book for publication16% Served on your own companys board of directors8% Actively worked for a political party or candidate7% Ran for public office1% None of the above23% Base: 1543 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/InsightExpress

14. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 14 Active Club Participants Base: 1543 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/InsightExpress Belong to any club/organization88% Professional association58% University alumni club48% Health club, fitness center, gym48% Civic organization16% Country club7% Golf club7% Tennis or racquet club6% Boat or yacht club3% None of the above12%

15. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 15 Potential Purchasing Power Base: 1528 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/InsightExpress Once a More thanOnce aEveryEveryEveryNever month or moreonce a monthmonth2-3 months4-5 months6 monthsshop for Clothes and apparel40%16%24%28%12%17%3% Computer products20%8%12%18%14%37%10% Consumer electronics18%7%11%20%14%39%9% Sporting goods12%4%8%19%13%32%24% Toys and video games11%4%7%12%7%23%46% Financial services10%4%6%11%8%35%36% Home furnishings9%3%6%16%13%46%16% Travel packages8%3%5%11%10%35%36% Home appliances5%1%4%9%10%52%24% Jewelry4%1%3%8%7%40%39% Photographic equipment4%1%3%7%8%42%39% Automobiles2%1%1%3%2%51%41%

16. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 16 Online Shopping Comfort with purchasing over the internet Bases: Comfort with Online Shopping=1537; Spending Forecast:=1531 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/InsightExpress 2005 online spending forecast over 2004 Very Comfortable 66% Somewhat Comfortable 28% Not comfortable - 4% I dont purchase items online - 1% Increase 54% Stay the same as last year 40% Decrease - 3% Do not know - 3%

17. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 17 Attitudes and Beliefs Beta Gamma Sigma members agree… I am very good at managing money89% I like doing things that are new and different83% I prefer products that offer the latest in new technology72% My friends or associates often ask for my advice in financial matters64% People often come to me for advice about computers and technology59% I take a great deal of pride in my vehicle55% I buy the same technology brands for home that I use at work43% I prefer driving a luxury vehicle42% Options on a car impress me42% You can tell a lot about someone by the car they drive41% I like to show off my taste and style35% I keep up with the latest advances in automobile technology34% I follow the latest trends and fashions34% Friends and family think of me as someone who knows a great deal about autos28% I find advertising for financial services to be interesting25% Money is the best measure of success22% Agree Completely / Agree Somewhat Base: 1523 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/InsightExpress

18. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 18 Attitudes and Beliefs Beta Gamma Sigma members agree… It's important to me that salespeople be knowledgeable about the products they sell96% I put a lot of time and energy into my career88% It's nearly always worth paying extra for quality goods85% I buy based on quality, not price81% I continue to take training and courses to advance my career80% I like being in charge of a group80% I often seek the advice of others before making a purchase74% I am very competitive when it comes to my career72% I am willing to pay more for a product that is environmentally safe70% I enjoy entertaining people in my home69% I always check the ingredients and nutritional content of food products before I buy them64% I would like to spend a year or more in a foreign country61% I enjoy taking risks61% I usually like to wait until other people have things before I try them myself53% Brand name is the best indication of quality42% I'm always one of the first of my friends to try new products or services39% Agree Completely / Agree Somewhat Base: 1520 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/InsightExpress

19. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 19 What Signals Success in the minds of Beta Gamma Sigma members Successfully balancing work and home life88% Having a satisfying personal life87% Being well rounded85% Appearing confident83% Respecting the ideas of others81% Appearing highly motivated77% Appearing happy74% Presenting a professional appearance74% Having a sense of spiritual well-being70% Appearing healthy/fit70% Being involved in one's community58% Being well-dressed49% Having a high net worth48% Having an active social life45% Taking vacations43% Being in touch with current trends43% Living in an affluent neighborhood38% Using the latest technology31% 5 = Very strongly signals success; 1 = Does not at all signal success Base: 1513 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/InsightExpress

20. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 20 Commitment Beta Gamma Sigma members are motivated by… Providing for myself/my family93% Enjoying life88% Maintaining the respect of my peers85% Staying well-informed84% Maintaining good health83% Being a good manager/leader82% Projecting a positive outlook82% Helping others77% Creating more freedom to do what I want to do76% Making the most out of my leisure time74% Advancing my career74% Pursuing personal interests/hobbies72% Earning money69% Minimizing the stress in my life67% Planning for the future of my estate62% Rewarding myself for success56% 5 = Extremely committed; 1 = Not at all committed Base: 1507 Beta Gamma Sigma Respondents Source: BusinessWeek Research Services/InsightExpress

21. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 21 Summary Virtually all (97%) respondents are members of Beta Gamma Sigma Honor Society. Only two percent were unsure of their membership status. Members say providing job search/employee recruitment matching (56%), networking (54%) and special discounts (42%), among others, would make their lifetime membership more beneficial than the current offerings. Two-thirds of BGS members have used or participated in one or more programs or services offered by BGS. One out of five BGS member made financial contributions to the society in the past years. Personal responsibility (77%), respect for other people (66%) and work ethic (50%) are the three most important values BGS members hold themselves accountable for. Seven out of ten say their employer has a Code of Ethical Behavior program and two out of five have experienced a conflict between their personal values and expectations made by their employer. BGS members spend, on average, 8.4 hours online a week (excluding reading or replying to emails). They regularly read several business publications, including The Wall Street Journal, BusinessWeek and The Economist and whats being read are information on future trends, personal finance, economic trends/analyses, new products and business management strategies. continued…

22. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 22 Summary BGS members are always on the go, whether its traveling for business (3.9 average trips) or leisure (2.5 average trips), whether they are involved with religious organizations (34%), giving speeches or addressing public meetings (33%), writing to public officials (30%), or belonging to professional associations (58%), university alumni clubs (48%) or health clubs/fitness center/ gym (48%). Three out of five (61%) BGS members are frequent shoppers having shopped once a month or more. More than half who shop for cars or home appliances do so every 6 months. The majority (94%) are comfortable with shopping online and more than half (54%) say they plan to increase their online spending while 40% say their spending will be the same as last year. BGS members show a willingness to try new things, to manage their career aspirations and their finances. BGS members say being balanced, having a satisfying personal life, appearing confident and motivated are stronger signals of success than wealth alone. Providing for themselves/family, enjoying life and maintaining the respect of their peers is just as important to BGS members as earning money. continued…

23. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 23 Summary BGS members are young (average age 40); hold higher degrees (76% have masters degree or better) and are highly affluent (average HHI $147,477). In fact, BGS members average household income is 9% higher than the average affluent household. One out of five BGS members hold the title of senior executive (22%) and more than half (56%) work for a large company who have an average gross sales of nearly $820 million. The majority (93%) of BGS members currently own investments including mutual funds, corporate stocks, and money market funds. Three out of four made one or more security transactions in the last 12 months, making on average, 11.4 transactions. BGS members average net worth is valued at $822K.

24. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 24 Questionnaire Are you a member of Beta Gamma Sigma Honor Society? Have you used or participated in any of the following Beta Sigma Honor Society programs? (Select all that apply) My lifetime membership in Beta Gamma Sigma could be more beneficial to me by providing: (Select all that apply) Have you made any financial contributions to Beta Gamma Sigma Honor Society in the past years? Below is a list of values that some people may feel are important. Which three are most important to you? (Select up to 3) Does your employer have a Code of Ethical Behavior that employees must adhere to? Have your ever encountered a conflict between your personal values and expectations/requests made by your employer? Which of the following publications do you read on a regular basis, that is, 3 out of every 4 issues? (Select all that apply) Approximately, how much time do you spend on the internet or online? Please do not include the time you spend reading or replying to e-mail. We are interested in knowing how much time you spend at various websites. How much of an interest are the following topics to you when reading magazines and/or newspapers? (Select one for each topic) How many trips have you taken on commercial airlines for business in the past 12 months? How many trips have you taken on commercial airlines for vacation/pleasure in the past 12 months? Which of the following activities did you, yourself engage in during the past 12 months? (Select all that apply) In which of the following types of clubs do you or other household members currently have a personal, family or company membership? (Select all that apply) How frequently do you shop or look into the potential purchase of the following products? How comfortable are you in purchasing products and/or services over the Internet?

25. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 25 Questionnaire Do you think the amount of money you spend online in 2005 will increase, decrease, or stay the same in comparison to 2004? We are interested in your attitudes toward technology, personal finance, cars and fashion. Please indicate how much do you agree or disagree with the following statements. We are interested in your attitudes about products, services and your lifestyle. Please indicate how much you agree or disagree with each of the following statements. Please rate each of the following items on how strongly you believe/feel they signal success. 5 = Very strongly signals success;1 = Does not at all signal success Please indicate how committed you are to each of the following activities. 5 = Extremely committed; 1 = Not at all committed What is your gender? What is your age? What is the highest level of education that you have attained? What was your area of concentration while attending business school? Do you live in the United States? In which state do you currently live? In which postal code do you reside in? In what region do you currently live? Including yourself, how many members are there in your household?

26. Beta Gamma Sigma Member Profile Conducted in February 2005 Prepared Exclusively for Beta Gamma Sigma 26 Questionnaire Approximately, what do anticipate your total household income to be in 2004 before taxes? (Please include income from all sources, such as wages, salary, bonuses, share of profits, interest, rental, etc., including your personal income and income from other household members.) Dollars should be U.S. equivalent. What is your current employment status? What is the nature of your employer's business? If you are self-employed, please indicate the nature of your business. (Select all that apply) Which of the following best describes your job title? Approximately, how many employees are there in your entire company or firm, including those in all plants, branches, divisions and subsidiaries worldwide? Approximately, what were the total gross sales or revenues in 2004 of your entire company, including all plants, branches, divisions, and subsidiaries? Dollars should be U.S. equivalent. Do you suggest, recommend, evaluate, or approve the final purchase or lease of the Which of the following investments or assets do you or other members of your household now own? (Select all that apply) How many security transactions, did you and other household members conduct in the past 12 months? (Count each buy or sell order as a separate transaction and include all stocks, commodity or bond transactions.) What is your approximate total household net worth? (Please include assets such as investments, cash value of insurance, value of your home(s), bank accounts, jewelry, autos, real estate, vested value in pension plans, and all other valuables owned by you and other household members minus all liabilities.) Dollars should be U.S. equivalent.