                      SAVVY WORLD TRAVELERS, INC.

                               Who We Are 
             

      Savvy World Travelers, Incorporated, is a travel club which
      offers its members a full year of savings on airfare, hotels, 
      rental cars, condo's, cruises, and international travel.  We 
      also operate a 24 hour menu-driven hotline offering additional 
      discounts on travel. There is a double your money back guarentee
      savings on your long distance phone bill, international debit card 
      and many more benefits of membership.

      Owing to our large membership base, and the fact that every-
      thing in travel is based on volume, we are able to provide 
      discounts that the individual could never get on their own.

      
      All of the agents that work with us are liscensed and bonded to        
      protect our members.  We monitor our agencies daily for accuracy 
      of information, speediness of service, and promptness of delivery 
      of documents and tickets.
        



                      A Letter From The President
     


       Dear Member, 
       
       Welcome to SAVVY WORLD TRAVELERS, INC.. There are two rules of thumb 
       that experienced travelers know for certain...
          
       
            RULE #1:  Everything in travel is subject to change...airfares, 
                      departure times, dates, rates, names and even ownership 
                      of hotels. 
       
            RULE #2:  Everything in travel is subject to conditions and 
                      restrictions. You can be certain that if you those 
                      unbelievable deals you see advertised will amount to
                      nothing more than averages prices, once all the fine
                      print is disclosed.

       We have compiled this travel membership with these truths in mind, and
       we're very excited to have the new ability to bring you our travel
       information in the online arena, fresh from our main office.

       As you will see, travel can be both enjoyable and at the same time 
       affordable if you understand its nature and follow a few simple rules. 
       We like to think of it as being "SAVVY". On behalf of all of us at 
       Savvy World Travelers, we welcome you as a member and pledge to do 
       everything we can to make your association with us worth far more than 
       you expected.

       
       Sincerely,

       Patty Simpkins  
       President
       Savvy World Travelers, Incorporated