Hi, I'm Terry Newsome, Executive Vice President of Sales & Marketing for Personal Wealth Systems, Incorporated. I'd like to talk to you about a "System for Success" dedicated to helping you reduce your overhead, while increasing your income. Personal Wealth systems is a direct marketing company with a unique money saving benefits package that reduces the cost of virtually every product and service you buy up to 50% or more. PWS is also an Information Network that helps you achieve goals that range from increased financial know-how to a better memory. Last, but not least, PWS is a business of your own, that can help you escape the rat race and enjoy more free time than you've ever dreamed possible. What I want to do in this admittedly long letter I want to zero in on our exciting "Personal Wealth Savings Network". I want to- 1) Tell you how PWS can actually accomplish what we do for our members. 2) Explain how out optional Executive Compensation Plan works and... 3) Tell you how to obtain a valuable PWS membership at no cost to you. 4) Push, prod, and cajole you to take advantage of the enormous opportunity that lies before you right now. First, let's talk about how PWS can save you big money on 250,500+ products and services: We have an ever expanding national subscriber base which gives us enormous buying power. Buying power helps create lower prices for our subscribers, and it helps us create greater volume. Greater volume creates greater buying power, and you guessed it, this in turn helps create a greater subscriber base. The process just continues over and over again, making your PWS membership more valuable all the time. "PWS GIVES YOU REAL POWER." Some of the key benefits of buying power that are interesting to note: It gives us a chance to go direct to over 1,600 manufacturers and suppliers on your behalf and thus, you receive the lowest possible factory direct prices, plus home shopping convenience, toll-free ordering 24 hours a day / 365 days a year, superior service and (in most cases) automatic double-the-factory-warranties. On top of all that, our Buying Network guarantees you the lowest possible price, or they'll refund you double the difference in cash. There are numerous other benefits you receive due to our ever-expanding subscriber base: Just imagine going to a manufacturer to purchase a product for yourself. They would laugh at you if you asked them to extend their lowest possible, factory direct distributor price. But, if you told them that you had a large national customer base that may be wanting to buy from, too, they would pay much greater attention to you. And this is exactly how we are able to do what we do for our members. Our buying service is more than 30 years old and is one of the most beneficial buying and comparative shopping services available today. You can purchase items such as jewelry, power tools, furniture, electronics, selected clothing items, household items for the kitchen, bath, bedroom and more. Thousands of brand name items that you use every day. They are factory direct and delivered to your door with full, and as I mentioned earlier, DOUBLE the manufacturer's warranty. "TAP INTO A VAST NETWORK OF 250,750 PRODUCTS AND SERVICES..." There is an unlimited amount of products and services you can tap into, and as a PWS member, you have preferred status with just about all the suppliers and manufactures we work with. You're spared the hassle of looking for parking places and standing in lines. When you know what you want, shopping with the PWS Buying Service is as simple as calling a friend. Now, before you buy, just call the toll-free number for a price quote. The Buying Service is NOT in the business of trying to sell you anything. We shop for you and find you the best price on items you are looking for. Just call the 800 toll-free number with the make and model number of the item(s) you want. You'll be given a special members-only discounted price which included delivery to your home -- anywhere nationwide! "GET YOUR CAR, TRUCK OR VAN... AT BROKER PRICES." By using the PWS Buying Service, you can not only save money on your purchases, but you also save time... the time it takes going from store to store, trying to find the best deal on that new appliance, VCR, computer, sofa, dining room set, bedroom set, or whatever it is you may be seeking. You can also purchase new or pre-owned cars, trucks, at broker prices through the PWS Auto-Match services. Simply give us the make, model, color, and accessories list of the vehicle of your choice and our experienced Auto-Match broker will give you the best price available, plus we finance through one of America's largest credit unions and deliver right to your door. This is an unbelievable service for PWS subscribes ONLY. Many of our members have saved hundreds of dollars on their vehicles with Auto-Match. "DRIVE A NEW CAR EVERY SIX MONTHS..." You can also save on your next vehicle lease with the PWS Vehicle Leasing Program. How would you like to drive a new car every six months? This plan is perfect for people who 1) drive excessive miles, or 2) have a poor credit rating or driving record, or 3) just want to have a new vehicle to drive every six months without a long-term lease. Incidentally, you can also save up to 50% on your car accessories and auto parts with the PWS auto Exchange Club. We've also arranged discounts for you at Precision Tune, Meineke Muffler, Aamco Transmission, Jiffy Lube, and more. Plus, free tire repair anywhere in the USA with out toll-free, 24 hour service. IF YOU EAT, PAY VERY CLOSE ATTENTION: How would you like to cut your grocery bill in half and save up to $250 each month on the groceries you buy from your local supermarket? PWS is committed to providing every American superior quality food at unprecedented savings. Now you can save money every time you shop on brands you already buy. Every month, PWS gives you $250 in product refunds and grocery certificates you can use at your local grocery store. And unlike regular coupons you get in your newspaper that force you to take what the manufacturer wants you to buy, with the PWS coupon program, YOU select the coupons you want, need, and use for the brands you're already buying. "GROCERIES... BY MAIL?!" There's a way you can save even more... You can order brand name non-perishable grocery items at incredible LOW LOW prices -- and have them delivered to your door by UPS, frieght free -- with the PWS "Groceries by Mail" program. Almost 5 million Americans purchased food by mail last year, spending more than one BILLION dollars. As a PWS member, you are now able to take advantage of this fantastic time and money-saving service. You order direct from the warehouse, thereby eliminating the jobber, the wholesaler, and retailer plus the overwhelming cost of retail advertising (which eats up to 35% of your grocery dollars). If the prospect of cutting your food bill in half doesn't excite you, then consider the benefits of our Groceries by Mail service: * Order 24 hours a day from you home by phone, fax or mail. * No searching for parking places. * No waiting in check out lines. * No embarrassment using coupons (plus coupon values are automatically doubled.) * You can pay by personal check, money order, even credit card. * Plus, you can put your mind at ease with TRIPLE The Difference Price Protection: "YOU ARE GUARNATEED TO PAY THE LOWEST TOTAL FOOD BILL IN AMERICA OR YOU GET TRIPLE THE DIFFERENCE IN CASH." Not only that, you save on mouth-watering, 5-start restaurant-quality steaks, chops and sea food of your choice. Select from any of 14 Combo-Packs, delivered right to your home or business by overnight express. The average meal price on these gourmet delicacies is just $3! You can eat gourmet food... at "fast-food" prices! "THE MAIL ORDER DRUG STORE" The next service I want to share will you is our Mail Order Pharmacy program. Americans invest millions of dollars in pharmaceutical products each year, and most of us pay top dollar for them. Now you can receive up to 50% off both name brand and generic drugs simply by calling our toll free number. You items are shipped direct to your door. First time perscriptions require 10-14 working days, but refills take about 7-10 days. Even if you only use this service once or twice a year, it can be worth a great deal of savings to you. If you're fortunate and don't need to purchase any pharmaceutical products, think again: You can also purchase vitamins, anti-oxidents, and other supplements at deep, deep discounts. Incidentally, eyewear and hearing aids can be purchased at rock bottom prices, too. A letter from a happy PWS subscriber told us that they had saved over $700 on hearing aids thanks to our tremendous money saving service. "WHOLESALE LONG DISTANCE... AT&T FIBER OPTIC QUALITY" Next up in our long distance telephone service for residential or commercial use. PWS members have the lowest possible long distance phone rates in the nation. Thanks again to our buying power, you can save up to 35% or more on all your long distance calls. As our phone volume increases, our phone rate decreases! PWS subscribers pay just 12.9 cents a minute night or day for long-distance service via high-quality AT&T fiber optic network. Even the lowest long distance callers can save from $5 to $20 a month and businesses can also save tremendous amounts of money annually. Speaking of phone services, I want to talk to you about one of the HOTTEST new telecommunications services in the world. This is one of the greatest services you will ever use in connection with your telephone: "THE FREEDOM PHONE CARD: THE SINGLE MOST IMPORTANT TELECOMUNNICATIONS TOOL NEXT TO YOUR MODEM." PWS offers you a "Freedom Phone Card" that is absolutely essential in today's fast paced world. Your Freedom Phone Card allows you to call from anywhere in the world and includes a FREE voice mail box and fax service. An unbelievable service for PWS subscribers only! It is arguably the single most important telecommunication tool next to your modem. If you are in business for yourself or need the convenience of voice mail, you need the Freedom Phone Card. "HEALTH INSURANCE RATED `EXCELLENT' TO `SUPERIOR' BY INDEPENDENT RATING SERVICES." One of the most difficult services to save money on today, and one of the most important services today is health insurance. Most companies are finding it hard, if not impossible, to give their employees hospitalization and dental coverages because it's just too expensive. PWS comes to the rescue again, thanks to our buying power. PWS offers subscribes group hospitalization and dental rates that are tough to beat. Even though PWS is not in the insurance business, we are able to connect our subscribers with one of America's largest insurance groups, and the end result is the lowest, finest, hospital and dental plans possible. Rated "Excellent" to "Superior" by A.M. Best, the independent rating service for insurance companies, our insurance provider offers you he absolute best coverage for he money possible. Full details and rates are listed in the Savings Network Portfolio which you will receive when you become a subscriber. In addition to health insurance, as a PWS subscriber you'll have access to a term life insurance search service that can give you the lowest possible term insurance in America. If you are insurable, and want the best health and life insurance for the least amount of money, you need to become a PWS subscriber today! PWS subscribers are saving hundreds annually, and some are even saving hundreds each MONTH. If you are looking for the best possible insurance program for yourself, your family, or your business, a PWS subscription is the answer. GET LUXURY TRAVEL ACCOMDATIONS WHENEVER YOU TRAVEL... WITHOUT PAYING LUXURY PRICES. Do you travel for business or pleasure? If so, you're going to love what PWS has put together for you. PWS offers one of the finest travel and vacation programs in America. Get 50% off top-notch hotel and motel rooms nationwide with your special PWS membership. Receive first class treatment and lowest possible air, sea, and land travel arrangements when you use your PWS Travel Service. Call toll-free 24 hours to receive the guaranteed lowest air fares and rental cars, plus receive a 5% rebate after you have completed your flight. How would you like to stay at a luxurious condominium resort for less than you would expect to pay for a hotel room? We have the finest resort condo program in America, special cruise packages, and much, much more. Our Travel Service can save travelers from $100 to $300 per month, and business travelers can save up to $500 per month. "WOULD YOU LIKE TO OWN YOUR HOME 6-10 YEARS SOONER... AND PAY THOUSANDS LESS?" How does saving up to $100,000 or more on your current home mortgage sound to you? Too good to be true? Not with the PWS Mortgage "Terminator" program. Our fully accredited and FDIC approved program can save you tens of thousands of dollars in interest charges over the life of your mortgage, and it will n not cost you any more than you are currently paying. This vitally important program can help you pay off your home mortgage 6-10 years sooner and increase your net worth with the extra cash you save on your loan. If you are a home owner, this service can save you an average of $5,000 a year over a 20 year period. "ULTRA LOW INTEREST VISA AND PERSONAL LOANS... HIGH YIELDING CHECKING AND INVESTMENT RATES." Speaking of finances, as a PWS subscriber you can save $100's with the strongest, safest rated credit union in America today. Working with Omni Community Federal Credit Union, you get UNION low rates on VISA, auto and personal loans, as well as high-yielding checking, savings, CD and money market rates. In addition to the many thousands of products and service you are able to tap into as a PWS Subscriber, you will also receive our fine monthly publication, Personal Wealth News Magazine, which offers valuable insight on health, finance, and personal development, that can help you feel better, look better, make more money and keep more money. Contributing writers include well known health specialists, world renowned sales and marketing professionals, sales trainers, and successful business entrepreneurs. Plus, as an added bonus, in your magazine you also get... "$200 IN PRODUCT AND SERVICE REBATES AND DISCOUNTS" As Gary told you in his letter, PWS is your key to savings, knowledge, and financial success. Is knowledge important today? You bet it is. What PWS offers you in this area, besides our monthly magazine, is tremendous: Many people purchase audio and video tapes, books, business manuals, and other training programs every day. As a PWS Subscriber, you can purchase these items for up to 50% off the retail price. We carry the highly acclaimed Nightengale-Conant and Lean, Inc. products, as well as many fine, top of the line how-to, self-improvement products. Now, you can save hundreds of dollars a year on these products as a PWS subscriber. "I'M AFRAID YOU WOULDN'T HAVE THE DISK SPACE!..." This list of services isn't complete. There's even more. I wish I had time to go over all that PWS has to offer, but I'm afraid you wouldn't have the disk space! New items are constantly being added to this mind-boggling list. Right now, you need to know how you can make money with PWS, too. And, as promised, I'm going to tell you how you can receive your very own Personal Wealth Systems Savings Network Subscription -- month after month -- at no cost to you what-so-ever. As you've already learned from the small sampling of services I've shared with you, this program can literally save you thousands of dollars a year. That's why people from all walks of life... housewifes, doctors, lawyers, college students, mechanics, and sales people are taking advantage of PWS, and gladly paying our low monthly fee of just $49. That's just $1.61 a day, a ridiculously low investment for the sheer value you receive. IF YOU ONLY USE 20% OF OUR SERVICES, YOU COULD EASILY SAVE OVER $150 EACH AND EVERY MONTH. I think you're beginning to see by what we have covered in this letter, that the savings you can realize as a PWS subscriber far outweigh your investment. If you added up the figures on the services we have covered so far, your savings would be well over $5,000 a year or over $450 a month. If you only took advantage of 20% of our services, you could easily save over $150 per month. Frankly, every day you're not a PWS subscriber is costing you money. In fact, it doesn't cost to be a PWS subscriber; it PAYS!!! But, how would you like to receive this great program, and have access to all the PWS products and services, plus receive $250 in free name brand grocery coupons and hundreds of dollars in product refunds, without paying one red cent for your subscription? ...Plus a way for you to make thousands of dollars each month with our optional Executive Compensation Plan. Gary wanted to make sure you were given the opportunity to not only save tremendous amounts of money, but to make money with this program as well. He also wanted a way for you to receive all the great benefits at virtually no cost to you. Now it's possible to make a fabulous income by simply sharing PWS with others. Once you begin saving money on your groceries, long distance phone bill, car, purchase, gift items, health insurance, your home mortgage, pharmacy items, electronics, or your next vacation or business trip, it will be very easy to tell everyone you know about your PWS subscription benefits. In fact, you'll be excited about showing them just how much money you're actually saving! And, of course, they will want to know how they can receive the same benefits you're getting. So how do you get started making money with PWS? Simply become an Independent Personal Wealth Consultant, (at no additional charge). You just complete the separate consultant agreement form (JOINPWS.DOC), read the company policy and procedures for consultants, and you're in business for yourself... but not by yourself! As a consultant, you're placed in the company computers and are now eligible to earn commissions and bonuses as an active Consultant everytime you share PWS with someone. Huge retail profits are possible, and you could build a significant sales organization that could make you a substantial amount of money each and every month for the rest of your life. Virtually anyone can be successful with this program, which means added success for you, because you can build your success on the success of others, a unique idea that in recent years has made PWS one of the Top 20 "fastest growing privately held enterprises" in Florida according to the Jacksonville Business Journal. Share PWS with a friend and receive a $30.00 Fast-Start Bonus and $30.00 each and every month your first personally enrolled subscriber remains active. And, you get a $30.00 Fast-Start Bonus for very subscriber you share PWS with! You also get $23 a month from your second personally enrolled, active subscriber. That's $53 each month from referring just two people to PWS! This will more than cover your own personal subscription, and actually puts you in a PROFIT mode. With your third subscription sale, you will receive another one-time $30.00 Fast Start Bonus, and then a $3.00 monthly commission beginning the second month that your subscriber is active. There is no limit to how many subscription sales a PWS Consultant can make, plus with just three personally enrolled active subscribers, you will be paid monthly overrides through three levels of subscriptions and you have achieved "Executive" status. Your first two subscription sales more than covers the cost of your own monthly subscription, which was the goal Gary had in mind for everyone. This one feature alone makes the PWS Executive Compensation Plan extremely exciting and appealing, but it is only the tip of the iceberg. The company pays a whopping $23 dollars on qualified active subscribers on your third level! So let's summarize before going on: If you enroll three subscribers, and those three do the same, and those three also do the same, you're making an extra $657 per month which is several thousand dollars annually! (For all you mathematics aficionados, it works out like this: Level One... 3 x $3 ea. = $9 per month, Level Two... 9 x $3 ea. = $27 per month, Level Three... 27 x $23 ea. = $621 per month.) "YOU CAN POTENTIALLY MAKE THOUSANDS OF DOLLARS A YEAR FOR THE REST OF YOUR LIFE..." You can potentially make thousand of dollars a year with just 3 personally enrolled subscribers and just 39 subscribers total... enroll just 10 or more and your monthly income can increase dramatically! Imagine what your income would be with 10 more subscribers each... the income is truly exciting. Any income you make is completely dependent upon your desire and committment. As you continue to build your PWS business, your income continues to increase. For example, consultants may earn monthly commissions through SIX LEVELS of active subscribers in their organization just by achieving "Diamond" status: Diamond Executive: Five personally enrolled active Executive Consultants (remember, you reach Executive status by enrolling three individuals). Double Diamond Executive: Ten personally enrolled active Executive Consultants. Triple Diamond: Fifteen personally enrolled active Executive Consultants. As a Diamond Executive, you earn $1 on levels 4, 5, and 6 if you have met your personally sponsored active requirements, plus a P.V. (Personal sales Volume) of $150. As a Double Diamond Executive, you earn $1 on levels 4,5, and $2 on all active subscribers on level 6. Same PV as above. As a Triple Diamond Executive, you earn $1 on levels 4 and 5, and $3 on all active subscribers on level 6. Same PV as mentioned above as well. "TO RECAP... SIX LEVELS 6% EACH, AND AS HIGH 10% AS YOUR BUSINESS GROWS." If any of this is confusing to you, contact the Personal Wealth Consultant whose name appears at the beginning of this presentation. He or she is already familiar with the PWS concepts and can answer any questions you may have. You can also contact Christopher Parks, the presentation author at his Internet address: "crispark@pipeline.com". LUXURY CAR PROGRAM... To aid Consultants in building their PWS business career, we offer a tremendous opportunity to earn an extra monthly benefit when you reach Executive status in the form of a separate "car allowance" ranging from $50 to $200 per month based upon your total group volume. And keep in mind, you've reached Executive level just by enrolling three active subscribers. That's a realistic goal, isn't it? As you reach Diamond Executive status, it gets even better! Diamonds can earn from $500 to $1,000 per month towards the purchase or lease of a luxury automobile of their choice... plus, substantial one-time cash awards for those who reach Double Diamond or Triple Diamond Executive status. PWS also offers an exclusive annual corporate performance bonus for all Diamond Executives and above. A percentage of the PWS corporate product sales is set aside and s divided among all qualified Diamond Executives annually. As the company product sales and volume increase, the corporate performance bonus also increases, assuring our Diamond Executives an even greater opportunity to build their personal wealth. This "share the wealth" concept creates synergy, and the desire to help everyone succeed, no matter whose organization a consultant is in. Two personally enrolled active subscribers is a very simple, and realistic goal for all PWS consultants. This makes it possible for your millions to own a valuable PWS subscription... and just think what it can do for you if you are building your own PWS business. It helps to ensure your success, and it's a powerful tool for building -- and profiting from -- a large successful PWS organization that could make you more money in one month than most professionals earn in an entire year. Saving money AND making money has never been so easy, or so much fun! There has never been a better time in our history for you to become a PWS subscriber, and a Personal Wealth Consultant is perfect. PWS went from a dream around a dining room table to 9-year-old, multi-million dollar corporation that has captured the imagination of thousands of Americans. We achieved success with a simple formula: Savings + Knowledge = Financial Success That formula built a company. The PWS Savings Network and Benefits Portfolio means continued savings. The PWS Information Network means continued learning, and the PWS Executive Compensation Plan means continued earnings. Our success is largely due to helping others achieve the same dream that Gary and Jeanne Haiser have. We'll help you succeed, with all the products, services, tools, and training you deserve and expect from a company that has built a solid reputation since 1985 for honesty, integrity, and genuine savings to its Subscribers, Customers, and Consultants. The support of a rock-solid, debt-free company like Personal Wealth Systems, Inc. is rare in today's marketplace. The committment of every member of our headquarters staff is to make sure every PWS Subscriber, Customer, Consultant receives the best service and support possible. Now it's your move... Stop throwing away your hard-earned money and become a PWS Subscriber today. Get started now on saving money n virtually everything you purchase. Take full advantage of the PWS buying power. Lower your overhead and increase your income at the same time by becoming a PWS Subscriber and Independent Consultant. Find out all the exciting ways this program can help you to escape the rat race, and make you more money and enjoy more free time than you've ever dreamed possible. Take control of your personal and financial future TODAY. Contact the Personal Wealth Consultant who gave you this disk to find out how easy it is to get started. Or, simply fill out the subscriber and consultant applications, and mail or fax them to our home office here in Florida. When we receive and accept your Subscriber application, you'll be sent (via 2nd Day Air) our beautiful Savings & Information Network Benefits Portfolio, loaded with money saving services that you can begin to use immediately, reducing your present overhead by hundreds of dollars each month. You'll also receive $250 in Grocery Coupons and hundreds of dollars in "FREE" refunds on products you already use. You can't lose with PWS -- that's our promise, and our goal for you and millions of people all over this great country. Yours For Success, Terry Newsome Executive V.P. of Sales & Marketing Personal Wealth Systems, Incorporated.