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<td ALIGN=CENTER BACKGROUND="http://www.otcjournal.com/news_images/lines.gif" NOSAVE><b><font face="Verdana"><font color="#660000">January
29 , 2002</font></font></b></td>
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<td ALIGN=CENTER BACKGROUND="http://www.otcjournal.com/news_images/lines.gif" NOSAVE><b><font face="Verdana"><font color="#660000">Volume
V, Issue 1</font></font></b></td>
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<td><font face="Verdana"><font size=-1>Email : <a href="mailto:info@otcjournal.com">info@otcjournal.com</a></font></font>
<br><b><font face="Verdana"><font size=-1>URL : <a href="http://www.otcjournal.com/">http://www.otcjournal.com</a></font></font></b>
<p><i><font face="Times New Roman, Times, serif"><font color="#660000"><font size=+2>To
NEW OTC Journal Members:</font></font></font></i>
<p><b><font face="Verdana"><font size=-1>Your name recently came
to us as a subscriber to on-line investment news letters. As such, we are
extending you a free subscription to the OTC Journal. <u>If you do not
wish to receive our FREE NEWSLETTER, simply follow the directions at the
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Please remove yourself if you do not wish to receive our newsletter
as it is not our intention to invade your privacy.</font></font></b>
<p><font face="Verdana"><font size=-1>You can always choose to have your
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<p><font face="Verdana"><font size=-1>The <b><a href="http://www.otcjournal.com">OTC
Journal</a></b> site is an investment portal with extremely unique investment
tools and resources. There is no charge for membership to the site.
Please visit our home page at <a href="http://www.otcjournal.com"><b>WWW.OTC
Journal.com</b>.</a></font></font>
<p><font face="Verdana"><font size=-1>The primary focus of the <b><a href="http://www.otcjournal.com">OTC
Journal</a></b> is to provide our members with information about publicly
traded small and micro cap companies that you won't read about in the main
stream Wall Street media. We identify these companies in their early
stage of development and provide you with as much information as possible
through our monthly e-mail company profiles. Updates and news releases
are provided via e-mail regularly for our members. If you have little
or no experience in investing in early stage company please take the time
to read our section entitled <b><a href="http://www.otcjournal.com/bigsix.html">Are
Microcaps For You?</a></b>, which can be found at our home page.</font></font>
<p><font face="Verdana"><font size=-1>Our best performing profile of 1999
was <b>NetSol International (NASDAQ: NTWK)</b>. We originally profiled
the company at <b>$3.88</b> on January 15, 1999. <b><u>The stock
hit a closing high of $75 in March of 2000 for an 1800% return.</u></b>
For our complete track record visit our <b><a href="http://www.otcjournal.com/profile_tracking.html">Profile
Tracking</a></b> button on our home page. Every edition we ever publish
is found in the <b><a href="http://www.otcjournal.com/archive.html">Archive
Section</a></b>.</font></font>
<p><font face="Verdana"><font size=-1>The following is a list of the features
that you will find at the <b><a href="http://www.otcjournal.com">OTC Journal
Home Page</a></b>.</font></font>
<ul>
<li>
<font face="Verdana"><font size=-1><b><a href="http://www.otcjournal.com/trading-alerts/">Trading
Alerts</a></b>- Short Term trading ideas with Entry Level, Target Price,
and Stop Loss. Excellent tool for short term trading ideas.</font></font></li>
<li>
<font face="Verdana"><font size=-1><b><a href="http://www.otcjournal.com/archive.html">E-Mail
Profiles</a></b> on Companies that we feel could provide you with <b><u>substantial
returns over a one to two year period of time</u></b>. <b><a href="http://listserv.otcjournal.com/otcjournal/20011105-1.html">Click
Here</a></b> to read our current profile.</font></font></li>
<li>
<font face="Verdana"><font size=-1><b><u><a href="http://www.otcjournal.com/ipo_alert.html">IPO
Alert-</a></u></b> This section is live and has a list of upcoming
IPOs that our members have the opportunity to participate in. The
section will have a list of upcoming <b>IPOs</b> and direct contact to
a stock broker that has shares allocated for our members.</font></font></li>
<li>
<font face="Verdana"><font size=-1><b><u><a href="http://www.otcjournal.com/profile_tracking.html">Profile
Performance Tracking</a></u></b>- Gives you up to the day price performance
of our profiled companies dating back to the beginning of 1999 based on
closing prices.</font></font></li>
<li>
<font face="Verdana"><font size=-1><b><u><a href="http://www.otcjournal.com/geist.html">Dr
Richard Geist's Column On the Psychology of Investing</a></u></b>-
Dr. Geist is a <b>Doctorate in Psychology from Harvard University</b> and
is an instructor in the department of Psychiatry at Harvard Medical School.
Dr. Geist's recommendations have been featured in <i>Business Week, Fortune
Magazine, Bull and Bear, and The Wall Street Journal. </i> His
market commentary and thoughts on the psychology of investing have also
been quoted in <i>Barron's, Harvard Magazine, Financial Planning Magazine,
Forbes, New York Times, and USA Today; and he has appeared on CNN, CNBC,
PBS, and Bloomberg Television. </i> Dr. Geist has also been a special
guest on Louis Rukeyser's Wall Street Week. <b><a href="http://www.otcjournal.com/geist.html">Click
Here</a></b> to go to the archive of columns.</font></font></li>
<li>
<font face="Verdana"><font size=-1><b><a href="http://www.otcjournal.com/testimon.html">Testimonial
Section</a></b>- Read comments from our long term members.</font></font></li>
</ul>
<font face="Verdana"><font size=-1>However, the major theme of our newsletter
will continue to be ideas in small and microcap stocks which we believe
have the potential to provide outstanding returns for investors with a
one to two year investment horizon.</font></font>
<br>
<hr WIDTH="100%"><font face="Verdana"><font size=-1>This category of stocks
is very risky, and you should never invest more money than you can afford
to lose. In addition, you should make an effort to verify through
third party sources any claims that we make about the companies that we
represent.</font></font>
<br>
<hr WIDTH="100%">
<br><font face="Verdana"><font size=-1>The OTC Journal is a proud partner
of the <a href="http://www.swingwire.com/cgi-bin/account.cgi?referrer=10007&jumppage=index.html">SwingWire.com
Online Investment Community</a>. A next generation <b>Online Analyst Exchange</b>
providing Members the ability to search, review, track and monitor some
of the <b><u>Internet's best Online CAs (CyberAnalysts)</u></b>. Members
have the opportunity to potentially achieve <font color="#009900">higher
returns</font> by viewing <font color="#009900">top performing portfolios</font>
and receiving real-time alerts from favorite CAs. </font></font>
<p><font face="Verdana"><font size=-1><a href="http://www.swingwire.com/cgi-bin/account.cgi?referrer=10007&jumppage=index.html">SwingWire.com</a>
also has a lucrative incentive model for experienced investors and traders
who consistently outperform the market. Share market ideas with other like-minded
investors, establish a proven track record, provide insightful commentary,
attract followers and ultimately become one of the Internet's highest paid
and most sought after CyberAnalysts! </font></font>
<p><font face="Verdana"><font size=-1><a href="http://www.swingwire.com/cgi-bin/account.cgi?referrer=10007&jumppage=index.html">Click
here to receive your FREE 30-Day Trial Membership with no further obligation.
Sign Up Today! </a></font></font>
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<td><font face="Verdana"><font size=-2>The OTCjournal.com Newsletter is
an independent electronic publication committed to providing our readers
with factual information on selected publicly traded companies. All
companies are chosen on the basis of certain financial analysis and other
pertinent criteria with a view toward maximizing the upside potential
for investors while minimizing the downside risk, whenever possible.
Moreover, as detailed below, this publication accepts compensation from
certain of the companies which it features. Likewise, this newsletter
is owned by MarketByte, LLC. To the degrees enumerated herein,
this newsletter should not be regarded as an independent publication.</font></font>
<p><font face="Verdana"><font size=-2><a href="http://www.otcjournal.com/disclaimer.html">Click
Here</a> to view our compensation on every company we have ever covered,
or visit the following web address: <a href="http://www.otcjournal.com/disclaimer.html">http://www.otcjournal.com/disclaimer.html</a>
for our full profiles and <a href="http://www.otcjournal.com/trading-alerts/disclaimer.html">http://www.otcjournal.com/trading-alerts/disclaimer.html</a>
for Trading Alerts.</font></font>
<p><font face="Verdana"><font size=-2>All statements and expressions are
the sole opinions of the editors and are subject to change without
notice. A profile, description, or other mention of a company in the newsletter
is neither an offer nor solicitation to buy or sell any securities
mentioned. While we believe all sources of information to be factual and
reliable, in no way do we represent or guarantee the accuracy thereof,
nor the statements made herein.</font></font>
<p><font face="Verdana"><font size=-2>The editor, members of the editor's
family, and/or entities with which they are affiliated, are forbidden
by company policy to own, buy, sell or otherwise trade stock for their
own benefit in the companies who appear in the publication. unless specifically
disclosed in the newsletter.</font></font>
<p><font face="Verdana"><font size=-2>The profiles, critiques, and other
editorial content of the OTCjournal.com may contain forward-looking statements
relating to the expected capabilities of the companies mentioned herein.</font></font>
<p><font face="Verdana"><font size=-2>THE READER SHOULD VERIFY ALL CLAIMS
AND DO THEIR OWN DUE DILIGENCE BEFORE INVESTING IN ANY SECURITIES MENTIONED.
INVESTING IN SECURITIES IS SPECULATIVE AND CARRIES A HIGH DEGREE
OF RISK. THE INFORMATION FOUND IN THIS PROFILE IS PROTECTED BY THE COPYRIGHT
LAWS OF THE UNITED STATES AND MAY NOT BE COPIED, OR REPRODUCED IN ANY WAY
WITHOUT THE EXPRESSED, WRITTEN CONSENT OF THE EDITORS OF OTCjournal.com.</font></font>
<p><font face="Verdana"><font size=-2>We encourage our readers to invest
carefully and read the investor information available at the web sites
of the Securities and Exchange Commission ("SEC") at <a href="http://www.sec.gov/">http://www.sec.gov</a>and/or
the National Association of Securities Dealers ("NASD") at <a href="http://www.nasd.com/">http://www.nasd.com</a>.
We also strongly recommend that you read the SEC advisory to investors
concerning Internet Stock Fraud, which can be found at <a href="http://www.sec.gov/consumer/cyberfr.htm">http://www.sec.gov/consumer/cyberfr.htm</a>.
Readers can review all public filings by companies at the SEC's EDGAR page.
The NASD has published information on how to invest carefully at its web
site.</font></font>
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