This document promotes a travel club called Holidays and Cash that allows members to earn cash rewards for booking travel through their portal and recommending the club to others. Members purchase a $240 annual "Privilege Pack" that provides travel discounts and the ability to earn rewards. The club uses a multi-level marketing structure where members can build teams and earn rewards from their team's bookings and pack purchases.

1. You could enjoy the holidays you dream of rather than the ones you afford? Enjoy dream holidays every year? Your dream vacations were paid for through a unique cash rewards program You could be on permanent vacation? What if…..?

2. You could earn a NEW weekly income stream? You could replace your current income & work from home OR anywhere you want? You could earn money even when you are NOT working? Let us show you how all this is possible! What if…..?

3. Exciting NEW International Club where members can ... Save money on the cost of future holidays and travel needs Save time trying to find the best travel deals online Receive cash rewards for recommending a great idea Qualify for luxury retreats in exotic locations Convert your spare time into a life changing weekly income Introducing Holidays and Cash

4. How do people become a member? You have to be introduced by another club member Just go their website and complete the online application Purchase a “Privilege Pack” FREE Membership comes with a “Privilege Pack” “ Privilege Pack” benefits are valid for 12 months Members can re-purchase a “Privilege Pack” each year

5. Online accommodation portal searching for deals around the globe Searches over 900,000’s discount hotel & resort deals Book flights to popular destinations Saves you time and money Special HOT DEALS for cruises, hotels, resorts & holiday packages A resource centre packed full of valuable travel information Team of professionals committed to search for more benefits for members! What benefits come with a Privilege Pack?

6. A privilege Pack costs only $240USD for 12 months of incredible benefits That’s less than $5USD a week! All benefits are available instantly once your purchase is approved And if you recommend these benefits you can earn some serious rewards! What does it cost to buy a Privilege Pack?

7. Holidays and Cash doesn’t use traditional marketing to introduce members Instead we use good old word of mouth and the internet! Membership grows when members introduce other members Holidays and Cash distributes 60% of it’s sales back to members as cash rewards Why does H&C pay cash rewards?

8. Rewards are paid when people you recommend purchase a “Privilege Pack” You can start earning cash rewards from team sales with as little as 2 sales Cash Rewards are calculated on weekly sales Members can earn weekly cash rewards & develop a serious income stream! Tell me more about the cash rewards?

9. Earn rewards by building 2 teams Each member is allocated 3 “Business Centres” (BC) that can earn rewards Each BC only has to develop 2 teams Software will automatically place your personally enrolled members in your team As you develop your team you can choose where you place your personal sales Our software systems tracks your personal introductions and team sales View your progress in the Rewards Program in your online Members Area

10. BC1 BC3 BC2 Everyone starts by personally introducing 2 members through BC1 (1 in left team & 1 in right team) You now become a BRONZE Qualified Member Joe BC1 Bob BC1 Joe BC2 Joe BC3 Bob BC3 Bob BC2 BC1 Become a BRONZE qualified member! BC2 BC3 Left Team Right Team

11. BC1 BC2 BC3 BC2 Kay Bob Upline (Members above you in the line of introduction) BC1 You are now a BRONZE qualified member with personal sales to Joe and Bob Upline spills over a member into your team Each Member is allocated 3 BCs BC1 now has 9 sales with 6 sales in left team and 3 sales in right team Upline spills over another member into your team Every time you create 9 NEW team sales with a 1:2 balance between each team it is called a CYCLE. Each week you are paid on the number of cycles earned that week! Don Joe Jill Jan Joe is now a BRONZE qualified member with personal sales to Don and Kay Joe Bob Bob is now a BRONZE qualified member with personal sales to Jan and Jill BRONZE Members Earn Rewards On Team Sales BC3 BC2 Left Team Right Team

12. BC1 BC2 Personally introduce 6* BRONZE members to become a SILVER qualified member & earn a 10% matching bonus on cycle income earned by ALL 3 BCs belonging to ALL members introduced by you * Must have minimum of 3 personally introduced BRONZE members in left team and 3 personally introduced BRONZE members in right team Left Team Right Team BC3 BC2 PE PE PE PE PE PE PE Become SILVER Member & Earn 10% Matching Royalty Income BC1 BC3 BC2

13. BC1 BC2 Left Team Right Team BC3 BC2 PE PE PE PE PE PE PE PE PE PE PE Personally introduce 10* BRONZE members to become a GOLD qualified member & earn a 20% matching bonus on cycle income earned by ALL 3 BCs belonging to ALL members introduced by you * Must have minimum of 5 personally introduced BRONZE members in left team and 5 personally introduced BRONZE members in right team Become GOLD Member & Earn 20% Matching Royalty Income BC1 BC3 BC2

14. All income examples above are in $USD. No guarantees of income are made! Example of 10% Matching Income Number Of Personally Introduced Bronze Members Group Volume Income For Each Personally Introduced Bronze Member Your Matching Bonus Income 1 500 50 2 2000 200 3 100 10 4 3000 300 5 750 75 6 300 30 Total 6,650 665

15. All income examples above are in $USD. No guarantees of income are made! Example of 20% Matching Income Number Of Personally Introduced Bronze Members Group Volume Income For Each Personally Introduced Bronze Member Your Matching Bonus Income 1 500 100 2 2000 400 3 100 20 4 3000 600 5 750 150 6 1000 200 7 400 80 8 0 0 9 2500 500 10 800 160 Total 11,050 2,210

16. BC1 BC2 Left Team Right Team BC3 BC2 PE PE PE PE PE PE PE PE PE PE PE BC1 BC3 Kay Jill BC2 When you are a GOLD Qualified Member and BC1 earns $3,000* in a week you can build under & earn income from BC2 & BC3 This can substantially increase your earning capacity! * Qualification can be obtained by one time achievement of earning $3,000 in a week from combination of cycle payments plus matching bonuses Qualify To Earn From BC2 & BC3

17. Reward #3: Fast Start Bonus Pool Re ward s for personal sales of Privilege Packs Earn a reward with our “Fast Start” Bonus Pool $20 from every sale goes into a weekly bonus pool Make personal sales and earn a share of bonus pool Fast Start Bonus is paid in the week you achieve 3 personal sales Each time you make another 3 personal sales you earn another share of the pool

18. Reward #4: Luxury Leadership Retreats 5 day event held every 3 months with 3 month qualification period Holidays and Cash pays airfares, accommodation & many other expenses SILVER ranked members and above earn points for personal sales and team building Top point earners in 3 month qualifying period go to next event Live tally of top point earners is displayed in members area First qualification period ends Dec 31, 2008 First event is scheduled for March 2009

19. How to qualify for the Leadership Retreats Task Points Become a SILVER 18 Become a GOLD 30 Become a PLATINUM 40 Personally Introduce New Member 1 Personally Introduce BRONZE Qualified Member 3 Personally Introduce SILVER Qualified Member 18 Personally Introduce GOLD Qualified Member 30 Develop SILVER Qualified Member on level 2 12 Develop GOLD Qualified Member on level 2 20 Develop SILVER Qualified Member on level 3 6 Develop GOLD Qualified Member on level 3 10

20. $160 per sale is allocated towards the rewards program Team Sales Cycle Payouts & Matching Bonuses $100 per sale is allocated towards cycle payments $20 per sale is allocated towards matching royalty payments Cycle payment is for 9 team sales with 1/3 to 2/3 balance Maximum number of cycles paid per member is 250 cycles in a week per BC Fast Start Bonuses $20 per sale allocated to reward personal sales Leadership Events $20 per sale is allocated towards the leadership events Rewards Program Overview

21. Step 1: Make 2 personal sales to become BRONZE qualified member Step 2: Make your 3 rd personal sale to qualify for FAST START bonus pool Step 3: Teach your personally introduced members to duplicate this Step 4: Build blocks of 9 team sales to qualify for cycle payments Step 5: Become SILVER qualified and earn 10% matching bonuses Step 6: Become GOLD qualified and earn 20% matching bonuses Step 7: Become PLATINUM qualified - GOLD who has earned$3,000 once in a pay week Step 8: Start developing team sales under BC2 and BC3 and triple your cycle payments Follow a strategic plan for success!

22. How do I get paid the cash rewards? All member registers for a virtual online bank account called a eWallet Cash rewards are paid directly into your eWallet Rewards are paid to members eWallet typically 7 days after each weekly pay cycle Transfer funds internationally wallet to wallet inexpensively Money can be withdrawn from your eWallet by ... Wire transfer to your nominated bank account OR purchase our MasterCard Debit Card

23. Members can purchase a MasterCard Debit Card for $50 USD Funds in eWallet can be transferred to MasterCard Debit Card Funds transfers and balances can be performed easily online Ideal to book and pay for travel for those with NO credit card Transactions are private and confidential A MasterCard Debit Packed Full Of Features

24. Experienced management team with track record of success More than 30 years combined experience building international teams Experience working in senior management roles in international companies Internationally recognised trainers and presenters Well credentialed consultants in Direct Sales / Network Marketing Vast experience creating online marketing solutions Strategic partnerships to create long term success eWallet & Debit Card providers with extensive knowledge of our industry International travel suppliers with vast industry experience Acclaimed software developers who create user friendly solutions for members A company created for long term success!

25. Members receive a comprehensive marketing & resource centre Personal marketing website for promoting Holidays and Cash Members only Virtual Office packed full of training & educational materials Live & recorded online presentations to learn from the experts Regular updates with the hottest tips Live reports of your rewards earned to date Live reports of your team structure and status Instant notification of newly introduced members, reward payments & updates Promoting Holidays and Cash is so easy!

26. Holidays and Cash wants to create a global community Members can join from any country in the world Holidays and Cash ensures language is NOT a barrier Websites, updates, HELP DESK and tools will be multi-lingual Develop an international team online and offline Potential to earn rewards 24 hours a day even when you sleep Think global – think multi-lingual

27. HolidaysAndCash.com 4350 5674 9876 0023 Joe Travelsalot 11/2012 Travel Discounts 100,000’s Resorts & Hotels Online Booking Portals Hotels, resorts, cruises, flights 1 year unlimited access Debit Card Transfer funds online Low Fee Member 2 Member Can be used to book travel Personal marketing website Marketing tools & resources Live Online conferences Regular updates & promos Multi-lingual HELP DESK Promote to others Earn excellent income Global opportunity Travel is growth industry Comprehensive Training All this for only $240USD + $50USD for Debit Card Holidays and Cash Opportunity Overview

28. Go the Holidays and Cash website of the member who introduced you Click on SIGN UP and complete the online application Choose your payment method credit card AlertPay Pre-Paid Vouchers purchased through local payment agents transfer from another eWallet Start accessing the travel discounts and other benefits immediately Start promoting Holidays & Cash with your personal marketing website Becoming a member is so simple…

29. For More Information http://www.holidayandcash.co.za We are one of the fastest growing networks on the Holidays and Cash System and can help you upgrade your ratings!