TITRES ET/OU INVESTISSEMENTS ET/OU CAPITAL ET/OU MARCHE BOURSIER ET/OU FONDS MUTUELS

SECURITIES & OR INVESTMENTS & OR CAPITAL & OR STOCK MARKET & OR MUTUAL FUNDS INSURANCE

Abrégé anglais

This is an Insurance Policy protecting the Securities Holder in the event of
loss due to
the declined Market Value of his/her Original Investment to be indemnified by
the
Insurance Company provided the premium was paid and the deductible was met.
This
innovative protection concept can be applicable to all Negotiable Securities
and
especially beneficial for Mutual Funds application.

Revendications

CLAIM
~ I Claim : This is an Insurance Policy protecting the
Securities holder in the event of loss due to declined Marked Value
of his/her Original Investment to be indemnified by the Insurance Company.
~ This innovative protection concept can be applicable to all
Negotiable Securities and especially beneficial for Mutual Funds
application.

Description

CA 02255289 1998-12-14
Abstract of the Disclosure
Mutual Funds Insurance
This is an Insurance Policy protec~ig~ Securities Holder in the event of toss
due to
the declined Market Value of his/her Origt estment to be indemnified by the
Insurance Company provided the premium was paid an eductible was met. This
innovative protection concept can be applicable to all Ne otiab ides and
especially benefrcial for Mutuat Fumts application.
*****************
The following information is intended for the purpose of ILLUSTRATION ONLY.
Subject to periodically
changes, numbers and percents adjustments including premium and
deductibles.Opposite version shall be
applied for puts ,short or sell orders. Subject to errors, omissions and is
NOT A SOLICITATION OR
GUARANTEE OF PRESENT OR FUTURE PERFORMANCE.
Hypotkesis of $10, 000 Investment
Investor's purchase $ 10,000.00 of Securities
Deductible.....10%..... .$ 1,000.00 (per Occurrence)
Insurance Premium $ 50.00 (0.5% Annual)
Coverage (risk) start at $ 8,950 .00 > At the money
Egamule
Market value of the securities
$ 9.000.00 and + ( no claims ) (10,000 - 1,000 deductible)
~ $ 8.999.99 or less If the "insured" (the investor) desires to close his/her
position, he/she will file a
"claim of loss" with the " Insurer" ( The Insurance Company) to whom they will
assign their
securities. The "Insurer" may dispose of those securities at their discretion
and in return the "
Insured "shall be indemnified for his/her loss.
(Stock Splits & Dividends shall be taken into account in adjusting the
original purchase price.)
~ Sales Commission paid to PRE-APPROVED SECURITIES BROKERS AND INTERNET DIRECT
ACCESS ( 2 % of Premium)in exchange they will be responsible to collect and
remit the Premium
within 3 working days (settlement day) and via interactive computer program
simultaneously provide
the " Insurer " with the following:
a ) Name of the Securities Broker
b) Name of the Insured (title holder of the Securities)
c) Symbol and Narne of the Exchange where the Securities are traded
e) Amount & units price per share
. The premium is paid in FULL, annually in advance, and is considered EARNED
immediately
without refund or proration .

CA 02255289 1998-12-14
Market Approach
By considering only the 5~/~ of the daily DOW BONES Volume
~ Daily volume.......................... ...600,000,000 Shares
Average price per share ....... ............. $20.00
~ 5% ( 600M x $ 20.00 x 5%)......$.600,000,000
~ Daily premium 600M x 0.5%....$ 3,000,000 or ............................$
720,000,000 ( 250 Days)
~ Commissions...... ( 2 %
).................................................................... $
14,400,000 Annual
~ Loss ( 80%) (VERY GENEROUS % OF LOSS)...........................$ 576,000
U00
Projected Net Annum ~peratin~ Revenue...,.:..:..... ....................$
I29,60U,U0~
Stop Loss, limit order, cover options , futures , etc. can not guarantee the
peace of mind or compete
with the cost of the premium involved. The Investors, especially with the
latest market's volatility , like
to limit their risk exposure . The potential is enormous. The marketability is
accessible to a11 Brokers,
investors and Exchanges Worldwide. ArouncLthe clock operation is necessary due
to variation of
business time zone. International Currencies cap be applied since the same
formula will be implemented .
Are we going to limit our self ? Lets explore the Universe ! ! l

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