OTC Journal Newsletter
November 11, 1998 Volume I, Issue 11

Email : info@otcjournal.com
URL : http://www.otcjournal.com

To OTC Journal Subscribers:

Today we are announcing rules of our "On-Line Referral Program". The Contest will begin at 6:00 PM Pacific time, 9:00PM, eastern time this Friday, November 13th. We will be giving away $5,000 in prize money to the winners according to the following schedule:

1. 1st Place- $3,000
2. 2nd Place- $1,500
3. 3rd Place- $500

After 6:00 PM, Pacific Coast Time, subscribers of the OTC Journal Newsletter will be able to go to the home page of our site, and get assigned an ID Number which your referrals must use when subscribing. Each referral that comes in from your ID number will give you 1 point. At the end of the contest, the first place winner can redeem their points for $3,000, 2nd Place for $1,500, and third place for $500. Other prizes will be announced that participants can win. The contest will end at 11:59, PST, February 28, 1999. At this time, a new contest will begin, and participants with unredeemed points will move up the list. Point standings will be available on the site by ID number, and be updated dynamically.

Next month we will be introducing our On-Line Virtual Stock Picking Contest. $5,000 in prize money will be allocated for this contest also. Referrals that you bring to our newsletter now will be able to participate in the Virtual Stock Picking Game.

Sign up and start referring people, and you'll be on your way to winning the $3000 Grand Prize!

What is the "Referral Program" and why?

OTC Journal has implemented a unique "Referral Program" for all of our participants and newsletter subscribers. Participants will have the opportunity to accumulate points by referring new subscribers. When a new subscriber signs up for the newsletter with your ID, you are credited one (1) referral point. At the end of the contest period, cash and prizes will be disbursed according to the number of referrals.

We recognize the value and importance of our rapidly growing financial network, so we have added a fun feature to our forum for everyone to enjoy and help grow our financial network exponentially.

We also recognize the valuable participation in our forum by investors with a knowledgeable understanding of investing in stocks.

Word of mouth and referral still remains the fastest and most effective means of marketing. Rather than spend our hard earned dollars on banner ads, we have created a referral program that allows participants the opportunity to win cash and prizes for participating on our forum and by referring others to our online financial network.

When does the first contest begin and when does it end?
The first contest will begin at 6:00 pm (PST) on November 13, 1998. The first contest will end at 11:59 pm (PST) on February 28, 1999.

How do I win?
By being the person that gets the most people to subscribe using their referrer ID.

What do I get if I win?
OTC Journal has set aside a Grand Prize of $3000 for the participant with the most referrals. The second place participant will receive $1500, and the third place participant will receive $500.

How do I earn referral points?
Participants will accumulate points by referring new subscribers to the OTCJournal Newsletter. Refer a subscriber to the FREE OTC Journal Newsletter. When they sign up for their FREE subscription, have them include your referrer id number in the appropriate section located at the bottom of the sign up form and you will receive 1 referral point for each new referral.

Note: If you would like to include an easy to use link so that referrals don't have to memorize your ID, simply use the URL http://www.otcjournal.com/form.asp?refid=XXXX and substitute your ID for XXXX.

Why would I be disqualified or forfeit my points and standing?
Manually signing up someone for the OTC Journal Newsletter (the individual being referred must sign up on their own and include your referrer id number in the appropriate section). Signing up bogus email addresses. Any effort to circumvent the integrity of our referral program will result in immediate disqualification of offending parties.

How do I get my id number or what if I forget it?
Simply sign up for our free OTC Journal to automatically receive your personal referrer id number. After you sign up, come back to this page and enter your E-Mail address into the input box at the top of the page. If you have already signed up for the newsletter or have forgotten your referrer id number, scroll back to the top of the page and enter your E-Mail address to find out what your personal ID number is.

Want to see the current standings and how you fare?
There will be a page on our site where you can go the see the rankings by ID number. This page will update automatically as new subscribers are referred.

Rules to our Referral Program:

1. How To Enter:
   No purchase necessary. Must be 18 years of age or older at the time of entry. Program begins at 6:00 pm (PST) on November 13, 1998 and will end at 11:59 pm (PST) on February 28, 1999. To enter the Referral Program, visit the OTC Journal web site at http://www.otcjournal.com/form.asp and complete the Free OTC Journal Newsletter form. You will be asked to provide your first and last name, complete address, city, state, zip code, daytime telephone number, and e-mail address. You must include your first name, last name, and e-mail address for your on-line entry to be valid. Limit one (1) entry per person and e-mail address. Subsequent entries will be automatically disqualified. No responsibility is assumed by OTC Journal for any computer, on-line, telephone, human error or technical malfunctions that may occur. All entries become the property of OTC Journal.
2. Joining the Referral Program:
   Participants may enter at any time following the start of the Referral Program start date. OTC Journal will not research any inquiries made by participants.
3. Point Redemption:
   OTC Journal will make available cash and prizes for participants to redeem their accumulated points towards. No substitution, transfer, or assignment of cash or prize permitted, except that OTC Journal reserves the right to substitute a prize of equal or greater value in the event an offered prize is unavailable.
4. Eligibility:
   This program is open to anyone 18 years of age or older at the time of entry. Void where prohibited by law. Employees of OTC Journal, its affiliates, parent, subsidiaries, advertising and promotional agencies and the immediate family members of each are not eligible.
5. General Conditions:
   Referral Program entrants agree to be bound by the terms of these official rules and by the decisions of OTC Journal which are final and binding on all matters pertaining to this Referral Program. This Program is governed by the laws of the United States. All federal, state, and local laws and regulations apply. All taxes on the prize and merchandise are the sole responsibility of the redeemers. The merchandise will be awarded and the winners will be notified via e-mail (if applicable), phone call, or U.S. mail within approximately three days of the winner being chosen. Return of any prize or merchandise notification as undeliverable may result in forfeiture of prize, merchandise, and redeemed points. Entrants further grant to OTC Journal the right to use and publish their proper name and state of residence online, in print and in any other media in connection with the Program. Acceptance of a prize or merchandise constitutes permission for OTC Journal to use names and likenesses for advertising and promotional purposes without additional compensation unless prohibited by law. By entering, participants release and hold harmless OTC Journal, its parent, subsidiaries, affiliates, directors, officers, employees and agents from any and all liability or any injuries, loss or damage of any kind arising from or in connection with this Program or any prize accepted.
6. Internet:
   If for any reason the Internet portion of the program is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of OTC Journal which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Program, OTC Journal reserves the right at its sole discretion, to disqualify any individual who tampers with the entry process, and to cancel, terminate, modify or suspend the Program. OTC Journal assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries. OTC Journal is not responsible for any problems or technical malfunction of any telephone network or lines, computer on-line systems, servers, or providers, computer equipment, software, failure of any e-mail or entry to be received by OTC Journal on account of technical problems, human error or traffic congestion on the Internet or at any Web site, or any combination thereof, including any injury or damage to participant's or any other person's computer related to or resulting from participation or downloading any materials in this Program. CAUTION: ANY ATTEMPT BY A PARTICIPANT TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROGRAM IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PARTICIPANT TO THE FULLEST EXTENT PERMITTED BY LAW. In the event of a dispute, entries made by Internet will be declared made by the authorized account holder of the e-mail address submitted at time of entry. "Authorized account holder" is defined as the natural person who is assigned to an e-mail address by an Internet access provider, on-line service provider or other organization (e.g., business, educational, institution, etc.) that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address.
7. Winners List:
   The names of the prize winners may be posted on the OTC Journal web site at http://www.otcjournal.com.
8. Sponsor(s):
   The Sponsor of the "Referral Program" is OTC Journal.

DISCLAIMER

The OTCJournal.com Newsletter is an independent electronic publication committed to providing our readers with factual information on selected publicly traded companies. All companies are chosen on the basis of certain financial analysis and other pertinent criteria with a view toward maximizing the upside potential for investors while minimizing the downside risk, whenever possible. All statements and expressions are the sole opinions of the editors and are subject to change without notice. This profile is neither an offer nor solicitation to buy or sell any securities mentioned. While we believe all sources of information to be factual and reliable, in no way do we represent or guarantee the accuracy thereof, nor the statements made herein. The editor, members of the editor's family, and/or entities with which they are affiliated, may own stock in and have other financial dealings with the companies who appear in the publication. The OTCJournal.com critiques may contain forward looking statements relating to the expected capabilities of the companies mentioned herein.

THE READER SHOULD VERIFY ALL CLAIMS AND DO THEIR OWN DUE DILIGENCE BEFORE INVESTING IN ANY SECURITIES MENTIONED. INVESTING IN SECURITIES IS SPECULATIVE AND CARRIES A HIGH DEGREE OF RISK. THE INFORMATION FOUND IN THIS PROFILE IS PROTECTED BY THE COPYRIGHT LAWS OF THE UNITED STATES AND MAY NOT BE COPIED, OR REPRODUCED IN ANY WAY WITHOUT THE EXPRESSED, WRITTEN CONSENT OF THE EDITORS OF OTCJOURNAL.com.

We encourage our readers to verify all information that they find on this site with the Securities and Exchange Commission ("SEC") at http://www.sec.gov and/or the National Association of Securities Dealers ("NASD") at http://www.nasd.com. Readers can review all public filings by companies at the SEC's EDGAR page. The NASD has published information on how to invest carefully at its website.