









                             MY OWN FINANCIAL CONSULTANT








                    This program licensed to:





          Your account number:  3144 0000 0000 0000 XXXX











                              Eastern Digital Resources
                                    P. O. Box 1451
                              Clearwater, SC  29822-1451






















                                  TABLE OF CONTENTS


          Before You Get Started                                       3

          Let's Talk About The Plan                                    4

          What To Do When You Get A Prospect                           5

          Installing The Program                                       6

          System Setup                                                 7

          Using MY OWN FINANCIAL CONSULTANT                            8

          Product Order Blank                                         40

          Dealer Sign-Up Sheet                                        41

          If You Have Problems                                        42
































                                          2








                             MY OWN FINANCIAL CONSULTANT

          (C) 1988  - Eastern Digital Resources  -  all rights reserved.

          This product may not legally be copied except under the terms and
          conditions stated herein.

          Hi.  We at Eastern Digital  Resources are proud to present MY OWN
          FINANCIAL  CONSULTANT.   Over  the past  10  years we  have spent
          THOUSANDS of dollars in advertising, trade shows, and direct mail
          campaigns  trying to get our  software into computer  stores.  We
          had little success  until we decided in early  1988 to go direct.
          You may have heard of the concept of "Shareware" in which you are
          encouraged to  use and copy  software packages for  your friends.
          The  enclosed   program  is  being  distributed   under  such  an
          arrangement.   If you use the  program and like it  please make a
          copy for a friend. 

          WHAT'S THE  CATCH?   There is none  unless you are  interested in
          making some  very BIG money.   The  program is yours,  no strings
          attached, to do with it as you please. 


                                     THE BUSINESS PLAN
                   (or How To Start Your Own Successful Software Business) 
           
          As we said earlier, we  have spent THOUSANDS trying to reach  you
          through retail distribution.   It  was only after  we decided  to
          pass  those dollars  on to  you in  commissions that  we realized
          success  in  distributing our  software.   This  is how  our plan
          works.  All of our software titles (now more than 30) sell for
          $25.00 per copy.   The copy you  have received contains a  serial
          number  reserved in  your  name.   If you  register your  copy by
          returning the enclosed registration  card along with your payment
          of $25.00  then we will  pay you a  commission of $5.00  for each
          copy  registered by those you distribute to.   But it doesn't end
          there.  When your friends give the program to others we'll pay
          you   a  $3.00   commission  on   each  of  those   second  level
          registrations,  a   $2.00   commission   on   the   third   level
          registrations  and  a  $1.00   commission  on  the  fourth  level
          registrations.

          (Each  person who  registers will  also receive  the  same offer.
          This is  NOT a pyramid  scheme.  IT  IS AN  INCREDIBLY SUCCESSFUL
          METHOD OF DISTRIBUTING OUR PRODUCTS WHILE REWARDING  YOU FOR YOUR
          PART IN MAKING IT A SUCCESS.) 
           
          Let's look at the numbers: 


          If  you register your copy and distribute it to 10 associates who

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          also   register,   we'll  pay   you   $50.00   ($5.00  times   10
          registrations).   You've already  doubled your investment  in the
          software, you have the  use of a good  software package, and  you
          have  the good feeling of  having helped 10  friends discover the
          package and started on their way to a successful business...
          Because...

          NOW YOU'RE IN  BUSINESS!  When each of your 10 friends distribute
          the program to 10 others, we'll pay them the $5.00 commission and
          we'll  pay  you $3.00  commission.   That  means $300.00  in your
          pocket. 
           
          The third level of distribution  when each of those 100  give the
          program  to 10 others pays  you a $2.00  commission or $2,000.00.
          (sounding better isn't it)? 
           
          Finally  the  fourth  level  will  pay  you  $1.00  per  copy  or
          potentially  $10,000.00.  Sounds  incredible doesn't it?   BUT IT
          WORKS!  It works for both of us.   By the time you have done your
          job, we will have paid you  a total commission of $11.00 per copy
          or  approximately 46%  of  the retail  price.   That's  the  same
          percentage we have  offered to  the computer  stores with  little
          success.  But  since we started this program in  1988 we have had
          phenominal success in dealing direct.


          The only question I have for you and my challenge is: 
           
          HOW  QUICKLY DO  YOU  WANT  TO  BE  SUCCESSFUL  IN  THE  SOFTWARE
          DISTRIBUTION BUSINESS? 
           
          If you don't  think the plan will work please  use the program as
          you'd like and pass it along to a  friend anyway.  You have three
          choices. You can: 
           
          1 - still get in later when you see his success. 
           
          2 -  Or you can register  the one program you  received and watch
          your business grow slowly. 
           
          3 - Or  you can order a  dozen titles ($300.00  total investment)
          and watch your business explode. 
           
          You can use  Visa or Master Card to order  and register your copy
          if you'd like.  Return  the enclosed order blank which is  in the
          manual.

          Our guarantee to you.   This is not a get-rich-quick scheme  or a
          come-on.   We will continue to be  successful only so long as you
          are.   If at any time  in the future, you feel  that the programs
          are  not  as   represented,  that  you  have  not   received  the

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          commissions expected, or that the sales plan itself is not
          viable, simply  return your original diskettes and we will refund
          IN FULL all of the  money you have paid less the  amounts already
          paid  to you in commissions.  All commissions are calculated from
          the first day of the  month to the last day of the  month and are
          paid to you by the 15th of the following month.

                                    EASTERN DIGITAL RESOURCES
                                          P. O. BOX 1451
                                    CLEARWATER, SC  29822-1451

          To order call TEL       1-803-593-0870
                        FAX       1-803-593-4522


                                About Shareware                          
                  
            
          'Shareware' is  a relatively  new means of  software distribution
          with  several  advantages  to you  the  consumer.    The complete
          package including the instruction manual is contained on a single
          diskette which may  be freely  copied and distributed.   Word  of
          mouth provides a more accurate and less expensive way of making a
          product known than magazine advertisements, and the savings keeps
          your final cost for software down. 
           
          Shareware  does  not  mean  'public  domain'.    Distribution  is
          permitted only if the  package stays intact; all files  should be
          passed on in unmodified form. 
           
          You can obtain  the current copy release of this  program for $10
          or  a registered  package  for $25.    Registration provides  the
          following benefits: 
           
                      1. A current version of the software, 
                      2. a mail-in card for a future version of the
                         software 
                      3. a commission each time someone registers from 
                         one of your copies, 
                      4. telephone support for your technical questions. 
           
          To register, phone 803-593-0870 or mail payment to: 
           
                              Eastern Digital Resources 
                              P. O. Box 1451 
                              N. Augusta, SC 29841 
                    
                    COD's, are welcome

                    South Carolina residents please add 5% sales tax 
           

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                    Please include the registration number from the lower 
                    left of the program's initial display so that we can 
                    reimburse the person from whom your copy originated. 

















































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                                BEFORE YOU GET STARTED


               The diskette which you  have received should not be  used as
          your working  diskette.  You should  first make a copy  of it, or
          install it on your hard disk before using the program.

               Welcome aboard.  We look forward to working with you on this
          project.    Be  sure  to  include  your  account  number  on  all
          correspondence.  This  number is used to  make sure that you  and
          your  sponsor  and  those you  sponsor  each  receive  the proper
          credit.  Your number consists of the following parts:

          AAAA-BBBB-CCCC

          The AAAA tells us who your first level sponsor is, the BBBB, your
          second level sponsor, and the CCCC, your unique number.   Thus if
          your number is:

          2543-4501-2455

          Dealers  #2543,  and #4501  will  each  receive their  respective
          commissions  for your work.  Each first level recruit you sponsor
          should receive your last 4  numbers as their first four,  0000 as
          their second four and 0001, 0002, etc, as their third four.  Each
          second level you recruit will receive your first four, the second
          four  from  the person  you have  recruited,  and the  third four
          numbers will be assigned uniquely to that person.

          The  reason we  are  going into  the  detail of  explaining  this
          numbering  system is  to encourage  you and  make it  as easy  as
          possible to  recruit new  dealers.   You can make  a copy  of the
          enclosed  diskette, give  someone  their number,  and they're  in
          business.    They can  start  to  work  immediately  while  their
          paperwork  is  being processed  by  us  here at  Eastern  Digital
          Resources.   Their  processing fee  of  $25.00 MUST  be  received
          however  before any  commissions  for  sale  of product  will  be
          disbursed.














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                              LET'S TALK ABOUT THE PLAN

          As our  dealers are  finding to  their delight,  it really is  to
          their advantage to sponsor  others as agressively and  quickly as
          possible.  Here are some ideas.

          Place classified ads in local shoppers.  These will normally only
          cost a few dollars  and will get a 10  to 1 return for  the first
          level inquiries with  usually 2 or 3 dealers being  signed.  This
          means  that  if the  ad costs  you  $2.50, you  can realistically
          expect about $25.00 to $30.00 to be received at $2.00 per inquiry
          and to  have about $50.00 to $75.00 to follow as you sign several
          from the initial 15 or so inquiries.

          Share the plan with friends and co-workers.  This is probably the
          quickest  way to build your organization.  Many times however, it
          is  difficult  to  get  friends  excited  unless  they  see  YOUR
          excitement and success.

          Share the plan at your local computer club.  This will generate a
          lot of excitement and should get a  lot of local interest created
          quickly.   The  same cautions  that are  listed in  the paragraph
          above apply however.  It is also to your advantage to recuit each
          of these people as your first level recruits.  Setting some up as
          first  level and others as  second level will  lessen your income
          SIGNIFICANTLY if your first level people are lazy and your second
          level people become agressive.   It is best for all concerned  if
          you  allow  each  person  to  achieve  their  own  objectives and
          encourage them to create their own organization.

          Place  ads in national magazines.   This can  be quite expensive,
          but it also pays  off in a VERY BIG  WAY.  You must be  sure that
          you are ready to handle the volume of responses.   Most magazines
          have lead times from 1 to 3 months and  a 4 to 6 time run minimum
          and you must pay for the  ad up front.  This means that  you will
          have about three times the individual ad cost tied up for several
          months before  you see any return.  If you can afford to make the
          plunge, by all means go ahead.   While we can make no guarantees,
          you  should  expect to  get  inquiries up  to  3  percent of  the
          circulation of  the magazine.   For a magazine  such as Nuts  and
          Volts with  45,000  circulation,  you  may receive  750  to  1000
          inquiries!

          Direct unsolicited mailing of the  business plan gets very little
          response.   Our tests have shown  a loss on the  cost of printing
          and postage every time we have tried this method.






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                          WHAT TO DO WHEN YOU GET A PROSPECT

          New dealers and requests can be handled in several ways.

          1. You can have the person fill out a copy of the form for dealer
          sign-ups and submit the form  to us along with their $25.00.   We
          will return their materials and they're ready to go.   You can go
          ahead and make  a copy  of the program  diskette immediately  and
          assign them a number.

          2. You  can direct inquiries  and orders to  us here  directly as
          EDR.   This  method may  be  your best  way  of dealing  with  ad
          response without having  to get  too involved yourself.   If  you
          have someone respond in  this manner, you must have  the response
          addressed in the following manner in order to get proper credit.

                              Eastern Digital Resources
                              Dept. XXXX
                              P. O. Box 1451
                              Clearwater, SC  29822-1451

          You should substitute the last four digits of your account number
          for the letters  XXXX.  We will then apply  all responses to your
          organization  as  first level  recruits under  you.   This  is an
          acceptable  method of  addressing as  far as  the Post  Office is
          concerned,  and our  people know  to direct  the response  to the
          proper place.


          PLEASE DON'T GIVE XXXX AS YOUR DEPARTMENT NUMBER.  We are getting
          them on a right regular basis now and have no way  of knowing who
          to apply the  credit to.  We  appreciate the extra income  folks,
          but somebody is missing out on the effects of their advertising!

          We  are also  set up  to handle  toll-free orders  and VISA  / MC
          requests.  You will not be charged for these services.  We CANNOT
          handle  original  inquiries  for  information  on  our  toll-free
          number.  Do not include that number in ads for information.

            The ad  to listed below  has been our  most effective to  date.
          You may use the exact wording or something similar.

          HELP  WANTED: If  you own  a computer,  you can  earn earn  up to
          $300.00  per week distributing software in your area.  Send $2.00
          and SASE for details. EDR  - Dept. XXXX - Box 1451  - Clearwater,
          SC  29822-1451.

          Why  the 2 bucks?   Quite simply,  it's our way  of filtering the
          inquiries for those who are most likely to respond.  Our test ads
          without  the 2 bucks got  hundreds of inquiries  and virtually no
          follow  through.  You will have your hands full responding to the

                                          9








          ones who are interested enough to include the 2 bucks.  Nobody is
          going to  get rich  stuffing envelopes  at 2 bucks,  but it  will
          basically  cover your  advertising costs  and give  you a  little
          pocket change for your trouble.

          Once again,  welcome.  We look forward to working with you and to
          a long profitable relationship for both of us.













































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                                INSTALLING THE PROGRAM

          The  diskette which you have received should  not be used as your
          working diskette.  You should first make a copy of it, or install
          it on your hard disk before using the program.

          To make a copy using 1 drive:

          Power up  your system  using your  DOS boot  diskette.   Type the
          following:

          DISKCOPY A: A:          Press ENTER

          The system will prompt you to  place the SOURCE disk in DRIVE A:.
          Place the DIALIT diskette you have received in drive A: and press
          ENTER.  When prompted, replace the diskette with a fresh diskette
          and the system will complete the copy.

          If you receive the error message,  BAD COMMAND OR FILE NAME,  you
          must  find a copy of  your DOS diskette  which contains DISKCOPY.
          Place this diskette in drive and repeat the process above.


          To make a copy using 2 drives

          DISKCOPY A: B:

          The system will prompt you to place the SOURCE disk  in DRIVE A:.
          and the  TARGET disk in DRIVE  B:.  Place the  CHAPS diskette you
          have received  in drive A:  and a  new diskette in  drive B:  and
          press ENTER.  The system will complete the copy.


          To install MY OWN FINANCIAL CONSULTANT on your hard disk:

          INSTALL C:

          If you  want to install the  program on any drive  other than C:,
          you  should  substitute the  letter  designation  after the  word
          INSTALL.

          The install program  will create  a directory on  your hard  disk
          called MOFC.

          To start the program:

          CD\MOFC         press ENTER

          MENU            press ENTER



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                                    OVERVIEW 
           
           
           
          Welcome to MY OWN FINANCIAL CONSULTANT.  This program
          incorporates state of the art programming technique with the
          IBM-PC micro-computer to bring you the finest program of its kind
          available today.  MOFC is designed to provide advice and help for
          comparing different rates for loans and depreciation procedures
          for acquiring assets.  MOFC consists of several modules each of
          which interrelate to provide a complete system. 
           
          Mortgage Rate Comparisons
          Quick Display of Amortization Schedule
          Printout of Complete Amortization Schedule
          Compound Interest Calculations
          Straight Line Depreciation
          Sum of the Years Depreciation
          Double Declining Balance Depreciation
          Loan Analysis


          MOFC is designed to operate on the IBM-PC XT or compatible with
          512K of internal memory and a narrow carriage printer.




























                                          12








                                 DEALER SIGN-UP SHEET

          The new dealer sign-up  fee is $25.00 and  includes 1 program  of
          your choice.  This fee covers the cost of the  manual and program
          and also  helps  to offset  the  cost of  distribution.   To  get
          started, send your check to:

                     Eastern Digital Resources
                     P. O. Box 1451
                     Clearwater, SC  29822-1451

          COD, Visa and Master Charge are accepted, and you can phone  your
          order toll free at 1-803-593-0870.  Fax # is 1-803-593-4522.
          =================================================================
          Name ______________________________      Sponsor's Acct. #

          Addr ______________________________      __________________

          City ______________________ ST ____  Zip __________

          Phone _____________________  I need 5 1/4 _____  3.5 ____ disks

          Yes, I'm  ready to go  to work.   Please forward the  program and
          manual and register me as a dealer.  I understand that the $25.00
          dollars  I have enclosed is fully refundable within 30 days (less
          any amounts already paid to me  in commission) if I decide not to
          pursue  this opportunity.    To  be  eligible  for  a  refund,  I
          understand  that I must return  all manuals and  software which I
          have  received and destroy any  copies made by  me.  I understand
          and agree  that it is in my best interest and obligation to share
          this plan with others and I  will be compensated for each package
          registered by those I  distribute to as detailed in  the attached
          business plan.

          PLEASE INITIAL AND SIGN BELOW:

          ______  I  understand  and  agree  that  I  am  a   self-employed
          contractor  to  Eastern  Digital   Resources  and  that  all  tax
          liabilities   arising   from  payments   received   will  be   my
          responsibility.

          Signed :________________________________

          Date   :________________________________

          S.S.#  :________________________________






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                                 IF YOU HAVE PROBLEMS

          We hope  that we  have addressed  all of  the questions that  may
          arise  in using  the program.   If  you have  a problem  however,
          please  submit  a  written  explanation  of  the  problem to  our
          attention.

          If the  problem is of such  a nature that you  cannot work around
          it,  we can provide  limited telephone  support at  the following
          numbers:

          9:00 AM to 6:00 PM EDT   1-803-593-0870

          FAX anytime              1-803-593-4522

          Ask  for John Rigdon when you call.   If I am unavailable, please
          leave your number and the best time to return the call.

          Any ideas you have for enhancing the functionality of the program
          should  also be submitted in writing.  We will carefully consider
          all recommendations.































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