    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.















