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Dear [EMAIL PROTECTED]

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   <META NAME="Description" CONTENT="THE BEST OPPORTUNITY EVER! THE ULTIMATE 
INTERNATIONAL CURRENCY ACCESS SYSTEM. YOUR FUTURE WILL DEPEND ON YOUR ACTION TODAY. 
YOUR LIFE CAN BE POSITIVE AND REWARDING. YES! YOU CAN CHANGE YOUR LIFE!">
   <META NAME="KeyWords" CONTENT="OPPORTUNITY, BUSINESS OPPORTUNITY, FAST CASH, FAST 
MONEY, CREDIT CARD, MAIL ORDER, FIRST CLASS, NO. 1, EXTRA INCOME, VISA, A1">
   <TITLE>EXPRESSCASH - THE BEST OPPORTUNITY EVER!</TITLE>
</HEAD>
<BODY BACKGROUND="Leaves on the Side.gif">

<CENTER><B><I>THE BEST OPPORTUNITY EVER!</I></B></CENTER>

<CENTER> <B><I>THE ULTIMATE INTERNATIONAL CURRENCY ACCESS SYSTEM</I></B></CENTER>

<CENTER> </CENTER>

<CENTER><TABLE BORDER COLS=1 WIDTH="100%" BGCOLOR="#FFCC33" >
<TR>
<TD>
<CENTER><B><I><BLINK><FONT SIZE=+4>EXPRE$$CA$H GOLDCARD</FONT></BLINK></I></B></CENTER>
</TD>
</TR>
</TABLE></CENTER>
 
<BR>            
<B><I>FIND OUT HOW TO...</I></B>
<UL>
<LI>
<B><I>Access 1,000's in international currency daily, monthly or whenever
you feel like it! Whenever you you need cash, you just use a particular
accessing technique.</I></B></LI>

<LI>
<B><I>Receive FREE TRAVEL options around the world.</I></B></LI>

<LI>
<B><I>Gain access to guaranteed verifiable, legitimate and well capitalized
offshore lenders who will finance viable projects from $100,000 to $100
million and more.</I></B></LI>

<LI>
<B><I>Request cash grants from $5,000 and more for education, business
startup, research, financial assistance, etc.</I></B></LI>

<LI>
<B><I>Get your own private or corporate offshore VISA and/or MASTERCARD
and receive the secrets of how to legally gain electronic access to millions
worldwide.</I></B></LI>

<LI>
<B><I>Get bank to give you $50,000 - $500,000 and more.</I></B></LI>

<LI>
<B><I>Activate legal offshore trusts that protect your assets from those
who would want to take your hard earned money or tax you more than 
necessary.</I></B></LI>
</UL>
 
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<CENTER><B><I><FONT SIZE=+3>GUARANTEED ACCEPTANCE</FONT></I></B></CENTER>

<CENTER><B><I>0% INTEREST GOLDCARD, INSTANT $10,000 CREDIT LIMIT</I></B></CENTER>

<CENTER><B><I>NO CREDIT CHECK. NO COLLATERAL. NO CO-SIGNERS. NO WORK 
HISTORY</I></B></CENTER>

<CENTER><B><I><FONT SIZE=-1>ISSUED BY SWISS CREDIT & SAVINGS 
INSTITUTE</FONT></I></B></CENTER>

<CENTER> </CENTER>
</TD>
</TR>
</TABLE>
<B><I>Your future will depend on your action today. A lot of your old ways,
bills and habits can change. Your life can be positive and rewarding. YES!
YOU CAN CHANGE YOUR LIFE! All you need to do begin is activate your EXPRE$$CA$H
membership with its international money access privileges. Start this process
by reserving your EXPRE$$CA$H GOLDCARD today. We'll send you the card along
with an information package outlining amazing benefits.</I></B>
<BR> 
<TABLE BORDER COLS=1 WIDTH="100%" BGCOLOR="#FFCC00" >
<TR>
<TD><B><I>Yes! I want to reserve ___ EXPRE$$CA$H GOLDCARD @ USD$15.00 each.</I></B> 
<BR><B><I>Enclosed is my payment by Money Order made payable to PANTAI
VILLA MARKETING.</I></B> 
<BR><B><I>( Money Orders must be International, ask for one at your nearest
Post Office or Bank. )</I></B> 

<P><B><I>Send order to - PANTAI VILLA MARKETING, EXPRE$$CA$H GOLDCARD,
DEPT 101, P.O. BOX 12458,</I></B> 
<BR><B><I>                        
50778 KUALA LUMPUR, MALAYSIA.</I></B> 

<P><B><I>NAME :       
___________________________________________________________________________________</I></B> 

<P><B><I>ADDRESS : 
___________________________________________________________________________________</I></B> 

<P><B><I>                    
___________________________________________________________________________________</I></B> 

<P><B><I>* For your convenient please print this 
copy.                                                                  
ALL RIGHTS RESERVED </I></B></TD>
</TR>
</TABLE>
 
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<CENTER> </CENTER>

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<TR>
<TD>
<CENTER><B><BLINK><FONT COLOR="#FFFFFF"><FONT SIZE=+3>INTERNATIONAL <I>VISA
</I>APPLICATION REQUEST</FONT></FONT></BLINK></B></CENTER>

<CENTER><B><BLINK><FONT COLOR="#FFFFFF"><FONT SIZE=+1>EVERYONE ELIGIBLE!
APPLY TODAY!</FONT></FONT></BLINK></B></CENTER>

<CENTER> </CENTER>
</TD>
</TR>
</TABLE>

<CENTER><I><FONT SIZE=+4>VISA</FONT></I></CENTER>

<TABLE BORDER COLS=1 WIDTH="100%" >
<TR>
<TD BGCOLOR="#FFCC00"> 
<BR> 
<BR> </TD>
</TR>
</TABLE>
<B>At  Pantai Villa Marketing, we have a special program that makes
it easier to apply and qualify for your own <I>VISA</I></B>
<BR><B>credit card, regardless of your past credit experience. This can
provide you with the conveniences of shopping without to carry a lot of
cash, making airline and hotel reservations. Apply today, if you meet these
requirements:</B>
<UL>
<LI>
<B>You have a permanent source of income.</B></LI>

<LI>
<B>You have a bank account in your name.</B></LI>

<LI>
<B>You have residential address.</B></LI>

<LI>
<B>You had no bankruptcy within the last 6 month.</B></LI>

<LI>
<B>You are willing to secure your credit card with a certificate of deposit
or a savings account with the financial institution which will be issuing
you <I>VISA </I>credit card.</B></LI>
</UL>
 
<TABLE BORDER COLS=1 WIDTH="100%" BGCOLOR="#000000" >
<TR>
<TD>
<CENTER><B><FONT COLOR="#FFFFFF">FEE MUST BE ENCLOSED FOR 
PROCESSING</FONT></B></CENTER>

<CENTER><B><FONT COLOR="#FFFFFF">if you are denied approval for a <I>VISA</I>
credit card, you will receive a full refund.</FONT></B></CENTER>
</TD>
</TR>
</TABLE>
 
<TABLE BORDER COLS=1 WIDTH="100%" BGCOLOR="#FFCC00" >
<TR>
<TD><B>INDICATE CREDIT LIMIT DESIRED ( in increments of USD$500 )</B> 
<BR><B>MINIMUM CREDIT LIMIT IS USD$1,000,00 MAXIMUM USD$5,000,00.</B> 

<P><B>CREDIT LIMIT DESIRED -</B> 
<BR> 
<BR><B>Enclose processing fee USD$39.00.</B> 
<BR><B>Enclosed is my payment by Money Order made payable to PANTAI VILLA
MARKETING.</B> 
<BR><B>( Money Orders must be International, ask for one at your nearest
Post Office or Bank. )</B> 

<P><B>Send order to - PANTAI VILLA MARKETING, <I>VISA </I>INTERNATIONAL,
DEPT 201, P.O. BOX 12458,</B> 
<BR><B>                         
50778 KUALA LUMPUR, MALAYSIA.</B> 

<P><B>NAME :       
___________________________________________________________________________________</B> 

<P><B>ADDRESS : 
___________________________________________________________________________________</B> 

<P><B>                    
___________________________________________________________________________________</B> 

<P><B>When you submit this application request form, Pantai Villa Marketing
(PVM) will assist you in acquiring a <I>VISA</I> credit from a financial
institution chosen at the discretion of PVM. Once your application request
has been approved and processed, PVM will have rendered you the service
which you are requesting. If the financial institution denies you a <I>VISA
</I>credit card, PVM will issue you a full refund of the fee required to
process this form, provided that you meet the requirements stated herein
and that you send PVM a copy of a denial letter. PVM is independent of
the financial institution which will be issuing your credit card; the cardholder's
agreement will be you and the financial institution.</B> 

<P><B>I CERTIFY THAT I MEET THE REQUIREMENTS STATED ABOVE AND THAT I HAVE
READ AND AGREE TO THE NOTICE ON ABOVE.</B> 

<P><B>SIGNATURE :                                                                      
DATE:</B> 
<BR> 
<TABLE BORDER COLS=1 WIDTH="100%" BGCOLOR="#000000" >
<TR>
<TD>
<CENTER><B><FONT COLOR="#FFFFFF">SIGNATURE IS REQUIRED TO COMPLETE THIS
FORM.</FONT></B></CENTER>
</TD>
</TR>
</TABLE>
<B>* For your convenient please print this 
copy.                                                                  
ALL RIGHTS RESERVED</B></TD>
</TR>
</TABLE>

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