RIC POLANSKY

RIC POLANSKY

Apartado 734, Mojacar Playa 04638, Almeria, España.
Tel: 34 950-478086 Fax: 34 950-478138 Mobile: 34 607-117174
E-Mail: ricp@bitmailer.net

Services

Polansky & Associates now offer a new service for shipping anything to anywhere in the world: DHL - World-wide Express. We can ship or receive any type of package for you internationally. This new service has been added because we listen to our customers' needs - thank-you for your feedback! Please stop by our offices to take advantage of this new service.

P. JOBY POLANSKY
Apartado #734, Mojácar Playa 04638,
Almería, España.
Tel: 34 (Spain) 950 (Almería) 478086 Fax: 478138
Mobile: (607) 088139
E-mail: joby@correo.com
http://www.mojacar.co.uk

An important message from Schneller Mojacar, S.L.

Dear Friend and Valued Client,

We have found it! After months of searching we've solved the riddle on how you can earn money while construction proceeds on your new home or apartment.

Our latest strategy was to figure out a way for your money to work for you while you wait for your home in the sun to be built. We have formed a new and powerful alliance with a major financier in Spain a group called Prosperity which is a subsidiary of the well known and respected British insurance company - STANDARD LIFE Insurance Group. Working together, this new partnership will allow us to market their latest product called "Standard Link". This product will benefit you in many ways.

The Standard Link product is a method of with withholding your periodic payments in an escrow account while at the same time your money earns a considerable yield for you while you wait for your new home or apartment.

Furthermore, Prosperity's long standing and well-established experience in dealing with real estate purchase finances, they will administer your account for you by dispersing each payment automatically (with your authorization of course), based on the stage of construction that your newly purchased property has reached.

How much will you make? You can take one of two routes with the Standard Link product: For one, you can opt for the guaranteed fixed rate of 5% option. Or you can take advantage of the variable interest rate, which can yield up to 15% during the course of construction (as of 11/7/00, currently it is 12%). You can even exercise a combination of the two. Even with the conservative fixed rate, you are beating any rate that you would get from a local bank by almost 0.5%.

This isn't the only benefit you can get. By signing up for this program, or if you have existing Prosperity insurance policies, you can derive additional discounts and specialized premiums, including life insurance. The whole process takes place with complete security from a reputable company. This is truly a "win-win" situation.

So why wait! If you are interested in more details and would like to take advantage of this special and lucrative opportunity to make your money work for you, please don't hesitate to let me know and I can provide you with the details.

With this I will close. In the interim, we will continue to look for more ways on how we can find improve our services, find beneficial programs, product discounts, and overall make seamless service for our clients. We hope that you will take advantage of this special opportunity to have your money work hard for you!

Sincerely,

Joby P.
P. Joby Polansky
Ric Polansky & Assoc.

PROFILE OF STANDARD INSURANCE GROUP.

Standard Life is the first mutual life insurer in Europe and one of the world leaders of life insurance and pensions.

Created in 1825 offer LIFE INSURANCE, PENSIONS PLANS, HEALTH INSURANCE AND many other products.

In 1997 STANDARD LIFE created their own bank to give a wide ice to clients. Net profits in 1998 1.178.000 millions.

In the last five years an average of 430.000 news policies a year and at the end of 1998 175.000 bank accounts.

PROSPERITY.

In 1993 STANDARD LIFE BANK acquired in Spain the Insurance Company Prosperity S.A.

There are 31 branches in the principal towns of provinces and 2.500 agents. From 2000 we plan to open 20 new offices and increase the number of agents.

Moreover have earned the maximum financial strength rating AAA from Moody´s and AAA rating from Standard & Poor´s.

PRODUCTS.

PROSPERITY S.A. LIFE INSURANCE AND PENSIONS.

v Saving plans : periodical and fixed. ( STANDARD LIFE)
v Temporary and removable ( LEADER LUXURY)
v Annual temporary.
v Full life.
v One off savings plans ( STANDARD GUARANTEED, STANDARD TOP AND REKORD)
v Group life insurance (GROUP LIFE, SCHOOL CENTER)
v Pensions plans and Investments ( GOLDEN PLAN PLUS, NEW BIG PLAN AND SUPER GOLDEN)
v Investments of fixed sums.
v Capital and interest.
v Schemes and pensions funds.

PROSPERITY S.A. OF GENERAL INSURANCES.

v Medical insurance (FIT BLUE )
v Funeral insurance ( SUNSET BLUE )
v Unemployment insurance (SALARY BLUE )
v Individual accident insurance (BLUE ACCIDENT)
v Group accident insurance ( BLUE ACCIDENT)
v Professional Insurance.

PROSPERITY S.A. FINANCIAL SERVICES S.A.

v Inversion funds in English Pounds ( UNIT TRUST)

STANDARD LINK.

We all make plans for the future and try to choose the most suitable solution for ourselves.
PROSPERITY offers you the best formula to fulfill them: STANDARD LINK.

STANDARD LINK is a flexible savings plan which gives you the freedom of building your own investment portfolio with maximum tax advantages with the freedom to access your savings at any time without having to cancel your policy.

v WHAT DOES IT GUARANTEE?

You will receive 100% of the accumulated fund in your Personal Unit Account if you survive to maturity.

In case of death, the beneficiaries will receive 100% of the above accumulated fund plus any additional life cover attaching.

v HOW DOES IT WORK.

With STANDARD LINK you are able to design your own structure of investments. You can choose to invest in a fixed income fund or in an equity fund or if you wish you can invest in both in any proportion.

This way, your investment can be designed to meet your needs or preferences an investor.
Moreover, at any moment whenever you wish, you can:

· Change of fund: to transfer partly or totally your accumulated balance from one fund to another ( the first two switches made within each calendar year are free) without any tax charge.

· Modify the composition of your investment: at any time, your new premiums and/or contributions can be altered to any proportion you indicated ( as many times as you wish free of charge)

v WHAT ADVANTAGES DOES STANDARD LINK OFFER ME?

· Great flexibility.- you establish the term, the amount of contributions and the frequency of payment ( monthly, quarterly, bi-annual or annually) you are also free to make additional contributions whenever you wish.

· Total liquidity.- after the first complete year, provided all premiums have been paid, you can have the total accumulated balance in your Unit Account, moreover, at any time, you may take partial withdrawals as many times as you wish provided that you leave al least 100.000 ptas, in the account without penalty in both cases.

· Excellent tax advantages.- in tax treatment is exceptional because it will only suffer taxation at the time you withdraw the whole or pat of your accumulated balance.
The switch from one fund to another is tax free.
Tax allowance of 10% in I.R.P.F. with a maximum of 50.000 ptas each year if the plan runs for 10 years or more.
Exemption from tax for the first 200.000 ptas in wealth increase if this is generated over a period of more than 2 years. The excess amount will be taxed at the fixed rate of 18%.

SURE OF SAVING TO PERIODIC COUSIN.

1.- SUPERGOLDEN. ( supplement for the jubilation)

· It guarantees obtained capital of the investment of the accumulated bottom and in the event of death 100% of the accumulated bottom was paid but capital hired provisions, coudins and voluntary contributions.
· Guaranteed interest (MIBOR less two points)
· Participation in benefits.
· Sure of minimum death of 1 million ptas.
· Value guaranteed starting from payment of the first receipt: paralization and rescue.
· Modalities:

Constant
Revelorizable to the 5 or 10% annual on the initial base.
· It admits sure complementary.

2.- GOLDEN PLAN PLUS ( to obtain capital or it produces to the jubilation)

· It guarantees obtain capital of the investment of the accumulated bottom and in the event of death 100% of the accumulated bottom was paid but hired capital ( provisions, cousins and voluntary contributions)
· Guaranteed interest annually ( legal Bank of Spain every year less two points)
· He/She doesn't have participation in benefits.
· Sure of minimum death of 1 million ptas.
· Value guaranteed: stop advance and rescue starting from the second year.
· It admits sure complementary.
· Modalities:

Constant
Revaluation at the 5 or 10% annual on the initial base.

3.- NEW BIG PLAN ( Constitute a guaranteed saving)

· It guarantees a capital more a participation in benefits, in the event of death pays the total of cousin more participation in benefits.
· Interest technical guaranteed 2,5% yearly.
· Modalities:

Constant.
Revaluation at the 5 or 10% annual on the initial base.
· Value guaranteed: reduction, rescue and advance starting from the first year.
· It admits sure complementary.

4. STANDARD LINK.

· It guarantees the payment of the accumulated bottom, in the event of death the following sum was paid: 100% of the accumulated bottom + 100% of the capital of accumulated death.
· The contract concluded to the 75 years.
· Maximum age of recruiting to the 74 years.
· The cousin dedicated to the saving will be able to be invested in two funds characteristics of the CO: RF and RV.
· He/She will be able to vary the investment percentage along the contract.
· He/She will be able to transfer part of the balance or the entirety of the investment among a bottom and other, two changes for gratuitous year.
· It allows partial rescue from the beginning of the policy maintaining a minimum balance of 100.000 ptas without penalizing some.
· It allows total rescue starting from the first year without any penalizing type.
· Recruiting modalities : Periodical and Unic.

5. - PLANS OF PENSIONS.

· I pay of the balance accumulated in the moment of the jubilation.
· Coverings addition ales : death and disability.
· Deduction of the contribution in the IRPF ( 20% of the sum of the net yields of the work or 1.100.000 ptas)
· Any recruiting age.

SURE COMPLEMENTARY.

· Absolute and permanent disability.
· Partial disability for accident
· Have an accident.
· Circulation accident.
· Death for indefatigable.
· Transitory compensation.
· Subsidy-hospitalization.
· Aesthetic surgery.
· Medical drop.
· Professional disability.

SURE OF SAVING TO UNIQUE COUSIN.

1.- PRODUCE INMEDIATE VITALICIAS.( Having capital wants a periodic cousin)

· It guarantees the payment of a conquered monthly rent while the insured lives.
· Interest guaranteed 2,5% participation in benefits.
· Modalities:

Constant.
Revaluation to 5 % annual on the initial base.
· Important fiscal advantages.

2.- PRODUCE DIFFERED VITALICIAS ( REKORD) ( Capacity of half and high agorro for high profitability)

· It guaranties to the expiration of the insurance the monthly payment of a rent vitalities, starting from that moment he/she will be able to opt for:

Monthly pay
He/She can rescue without penalization some of the established capital.
· Guaranteed interest notices the moment of the recruiting and he/she will stay unalterable during the duration of the contract.
· He/She is entitled to rescue.
· Sure of death (storm to unique or renewable storm)
· It admits sure complementary.
· Important fiscal advantages.
· Modalities:

Constant
Revaluation at the 5 or 10% annual on the initial base.

3. STANDARD GUARANTEED. ( People that want to invest without risk)

· It guarantees a profitability and it assures not to lose their investment.
· Reference index: IBEX 35.
· Recruiting to the discount.
· Sure complementary : sure or death.
· Guaranteed value: rescue starting from the first year.
· This product will be available in concrete campaigns.

4. STANDARD TOP.
· The characteristics are similar to those of STANDARD GUARANTEED contrary to the market index of reference that it will be in this case the EUROTOP 100.

INDIVIDUAL INSURANCE OF RISK.

1.RENEWABLE STORM.( For young people for their initial cost and it stops terms inconcretos)

· Capital for death for any cause.
· Recruiting for annuity extended up to 70 years of age.
· Modalities:

Leader.
Luxury ( it includes rescue for terminal illness)

2. ANNUAL STORM. ( Family forecast and covering of we lend)

· Capital for death for any cause.
· Recruiting for ; 5, 10, 20 and 25 years. Prorrogable maximum up to 70 years.
· Modalities:

Constant.
Revaluation to 5% ( so much of capital as of the cousins) and without new medical recognitions neither declarations of health.

3. STORM TO UNIQUE COUSIN WITH DISABILITY.( Short durations, concentrated obligations)

· Capital for death or absolute and permanent disability for any cause.
· Recruiting for 1,2,3,5 and 10 years, extended until 65 years.
· The cousin is only and you/he/she is paid in the mement of the formalization of the policy.
· It doesn't admit sure complementary.

4. CAPITAL AND IT PRODUCES.( To maintain family purchasing power)

· Capital for death or permanent absolute disability for any cause.
· In the event of catastrophe the rent was paid by installments vancidas ( duration of the rent 2 or 5 years extended until 70 years)

5. WHOLE LIFE.( Permanent covering to their family in an indefinite way)

· Capital for death for any cause.
· Value of rescue and of reductions, participations in benefit.
· Modalities:
Unique pay
Cousin vitalicias
Cousin storm.

SURE COMPLEMENTARY.

· Absolute and permanent disability.
· Partial disability for accident.
· Have an accident.
· Circulation accident.
· Death for indefatigable.
· Transitory compensation.
· Subsidy-hospitalization.
· Aesthetic surgery.
· Medical drop.
· Professional disability.

GENERAL INSURANCE. RANGE BLUE.

1. INDIVIDUAL INSURANCE OF ACCIDENTS (BLUE ACCIDENT)

· It guarantees derived compensation of corporal accident.
· Recruiting age up to 64 years.
· Modalities:

Included professional risk- itinere.
Extra professional.
Covering 24 hours.

· Coverings:

Death : advance for burial gasos and advance payment taxes.
Permanent disability ( modalities: 100%. 225% and 325%)
· Complementary coverings:

Disability absolut(50%)
Gran disability (100%)
Disability storm ( frank of 3,7,15, or 30 days)
Death and disability for circulation accident.
Death for indefatigable.
Death married.
Death for accident aviation.
Death for aggression.
Subsidio hospitalization.
Cirugía aesthetics.
Transitory compensation.
Daños for aggression.
Burial expense.
Help for studies.
Displacement expense.
Assit abroad ( transfer national and international)

2. COLLECTIVE INSURANCE OF ACCIDENTS ( BLUE ACCIDENT)

· Community minimum three people.
· It guarantees derived compensation of corporal accident.
· Modalities:

Included professional risk- itinere.
Extra professional.
Covering 24 hours.
· Coverings:

Death: advance for burial expenses and advance payment taxes.
Permanent invalidity ( modalities:100%, 225% and 325%)
· Complementary coverings:

Absolute disability (50%)
Great disability( 100%)
Temporary disability ( frank: 3,7,15 or 30 days)
Death and disability for circulation accident.
Death for indefatiggable.
Death both spouses.
Invalidity both spouses.
Death for accident aviation.
Death for aggression.
Subsidio hospitalization.
Cirugía aesthetics.
Transitory compensation.
Daños for aggression.
Expens burial.
Help for studies.
Expenses displacement.
Assit abroad ( tranlated national and international)

3. SURE OF HE/SHE HAS AN ACCIDENT FOR AGREEMENT ( BLUE ACCIDENT)

· It guarantees derived compensation of corporal accident.stablished capital according to social agreements ( managers and unions)
· Recruiting age: labor age and that they figure detailed in the TC 2.
· Coverings:

Work accident.
Professional illnes.
Accident no laboral.
Illnes commom.
Death natural.
· Insurable guarantees:

Death.
Permanent inavility.
Expense burial.
Subsidio, help or aid for death.
Expenses of cadaver transfer.
Other guarantee ( disability, storm, etc)

PROSPERITY
Standard Insurance Group

- STANDARD LINK-

We all make plans for the future and try to choose the most suitable solution for ourselves.

PROSPERITY offers you the best formula to fulfil them: STANDARD LINK - "An ideal Solution."

STANDARD LINK is a flexible savings plan, which gives you the freedom of bui1ding your own investment portfolio with maximum tax advantages with the freedom to access your savings at any time without having to cancel your policy.

· WHAT DOES IT GUARANTEE?

You will receive 100% of the accumulated fund in your Personal Unit Account if you survive to maturity.

In case of death, the beneficiaries will receive 100% of the above the accumulated fund plus any additional life cover attaching.

· HOW DOES IT WORK?

With STANDARD LINK you are able to design your own structure of investments. You can choose to invest in a fixed income fund or in an equity fund or if you wish you can invest in both in any proportion.

This way, your investment can be designed to meet your needs or preferences as an investor.

Moreover, at any moment whenever you wish, you can:

· Change of fund; to transfer partly or totally your accumulated balance from one fund to another (the first two switches made within each calendar year are free) without any tax charge.
· Modify the composition of your investment: at any time, your new premiums and/or contributions can be altered to any proportion you indicate (as many times as you wish free of charge).

In your Personal Unit Account all your contributions will be invested directly into the plan (1% is for the constitution of additional life cover) and all movements or transactions which take place in your contract will be recorded.

Your contributions will purchase units, which will be invested from day one.

· WILL MY INVESTMENT ALWAYS BE UPDATED?

Your investment will always be up to date since the contributions can be revalued, annually and, over all, because the income generated is automatically reinvested, thus; increasing the number of units which are accumulated to that which you already have in your Personal Unit Account.

· WHAT ADVANTAGES DOES STANDARD LINK OFFER ME?

Great Flexibility...

You establish the term, the amount of contributions and the frequency of payment (monthly, quarterly, BI-annually or annually) you are also free to make additional contributions whenever you wish.

The amount of the contributions can be varied or be suspended for a while and they can be started again whenever it is convenient for you.

Moreover, you will be able to switch your fund and modify the composition of your new investment whenever you wish.

Total Liquidity...

After the first complete year, provided all premiums have been paid, you can have the total accumulated balance in your Unit Account. Moreover, at any time, you may take the partial withdrawals as many times as you wish provided that you leave at least 100,000 Ptas in the account without penalty in bath cases.

High Return...

Your money (whether regular or single premium) will be invested in any of the two internal funds of the Company (fixed income and equity) which are managed by a team investment professionals. They invest directly into the principal bonds and equities in the Spanish financial markets in order to diversify risk and to obtain the maximum return for your investment.

Excellent Tax Advantages...

· Its tax treatment is exceptional because it will only suffer taxation at the time you withdraw the whole or part of your accumulated balance.

· The switch from one fund to another is tax free.

· Tax allowance of 10% in I.R.P.F. with a maximum of 5O,OOO Ptas each year if the Plan runs for 10 years or more.

· Exemption from tax for the first 200,000 Ptas. in wealth increase if this is generated over a period of more than 2 years. The excess amount will be taxed at the fixed rate off 18%.

· Exemption from taxes if the total amount of the transactions, which generate the wealth, increase in the calendar year is not more than 500.000 Ptas.

· It is not subject to 18% retention against interest.

· Free of the 6% tax over premiums or single contributions.

Complementary Protection...

You will be covered with Life Assurance, which guarantees an additional capital sum proportional to your investment.

Regular and clear information...

· Frequent information: Each time a switch or change in the composition of your investment takes place.

· Half-yearly Individual Unit Account statement with up to date information on your investment.

Tax Free
switch from one fund to another
first 200.000 Ptas (2 years and a day)
partial surrenders lower than 500.000 Ptas

10% tax allowance in I.R.P.F. of the contributions made

No 18% retention of interest

· AND WITH PROSPERITY'S GUARANTEE

At all times you have and solvency of PROSPERTY, S.A. DE SEGUROS DE VIDA Y PENSIONES whose totally paid up capital is 6000 million Ptas. and of STANDARD LIFE who wholly and unconditionally owns Prosperity. Standard Life was established more than 170 years go and have earned the maximum financial strength rating "Aaa" from Moody's, and an "AAA" rating from Standard & Poor's. The group managed assets of 14 billion Ptas. at the end of 1997.
BLUE CHIP STANDARD GUARANTEED

Policy Holder:

Age: years.

Single Premium: pts.

Duration: 3'5 year's obligatory

Date of commencement: 27/02/1998

GUARANTEED FOR NO CAPITAL LOSS

95% of single premium.

100% of the capital gain based on the Spanish blue-ship IBEX-35 calculated monthly with a reference date of 28/02/1998.

FREE LIFE INSURANCE FOR THE CAPITAL AMOUNT INVESTED

(Proportional as per age and investment) - Ptas.

Polansky & Associates now offer a new service for shipping anything to anywhere in Spain, Urgently: NACEX - Express Service. We can ship or receive any type of package fro you domestically. This brand new service has been added because we listen to our customers' needs - thank-you for your feedback! Please stop by our offices to take advantage of this new service.