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CONTENTS <br />Section 1— Introduction ............................................. <br />Page 2 <br />Section 2 — Historical Development ................................... <br />Page 2 <br />Section 3 — CHIP General Concept .................................. <br />Page 2 <br />Section 4 — Implementation Strategy ................................. <br />Page 4 <br />Section 5 — Marketing CHIP ......................................... <br />Page 6 <br />— Section 6 — Results and Expectations ................................. <br />Page 6 <br />Section 7 — CHIP Benefits .......................... <br />................ Page 7 <br />Section 8 — Home Safety and Securely Analysis Program .............. Page 8 <br />Section 9 — Legal Matters .............................. I ........ I .... Page 11 <br />Section 10 — Income Formula ........................................ Page 12 <br />Section 11— Risk Management Aspects of CHIP ...................... Page 13 <br />Section 12 — Cooperative Insurance Marketing Associates, Inc.......... Page 14 <br />Section 13—Summary .............. Page 15 <br />................................ <br />