USING A SWISS INVESTMENT CONSULTANT
          
          
               The most practical way for North Americans to get
          information on Swiss annuities is to send a letter to a
          Swiss insurance broker specializing in foreign
          business.  This is because very few transactions can be
          concluded directly by foreigners either with a Swiss
          insurance company or with regular Swiss insurance
          agents.  They can legally handle the business, but they
          aren't used to it.
               JML Swiss Investment Counsellors is an independent
          group of financial advisors.  Since 1974 they have
          specialized in Swiss franc insurance, gold and selected
          Swiss bank managed investments for overseas and
          European clients.  To date the group is servicing
          nearly 16,000 clients worldwide with investments
          through JML of more than 1 billion Swiss francs.  Their
          services are free of charge to you because they are
          paid by the renowned companies with which you invest
          your money.  Their commissions and fees are standard,
          and all transactions are subject to strict regulation
          by the Swiss authorities.  JML represents the
          SwissPlus, BankSwiss, and GoldPlan programs discussed
          in this book.
               All of their staff are fluent in English, and
          understand the special concerns of the international
          investor.  They know about all the many little details
          that are critical to you as a non-Swiss investor, and
          have answers to your tax questions and other
          legalities.
          
               Contact:  Mr. Jurg Lattmann. 
                         JML Swiss Investment Counsellors AG
                         Germaniastrasse 55,   Dept. 212
                         8033 Zurich 
                         Switzerland
                         telephone (41-1) 363-2510 
                         fax: (41-1) 361-4074, attn: Dept. 212.
          
               When you contact JML, be sure to include, in
          addition to your name, address, and telephone number,
          your date of birth, marital status, citizenship, number
          of children and their ages, name of spouse, a clear
          definition of your financial objectives (possibly on
          what dollar amount you would like to invest), and
          whether the information is for a corporation or an
          individual, or both.