Todd Ewert

Joseph Lovejoy

Small Business, CDLP & Group Benefits

FTC Company Compliance

2269 Lyell Avenue

Rochester , New York 14606

Phone (585)746-9274

Fax (585) 473-1419

[Landofopportunity@hotmail.com]{.underline}

[Upbizbuilders@aol.com]{.underline}

July 13, 2008

N.Y. State Comptroller

Dear Sir:

I was asked by the Town of Bristol Supervisor to put this formal
briefing together so that you may have a better understanding of what I
am trying to propose to the Town Boards and town citizens of Bristol,
Richmond, and Hopewell.

The towns all have an account set up by each Town Board in which the
funds were a result of increasing assessments to gain more tax money to
fund projects. I know that everyone states that taxes and assessments
are not related, but in fact if you truly look at the information that I
have provided with this letter you will see that they do go hand in
hand. For example: the Town of Richmond would like to build a new Town
Hall. They currently have in their account \$610,000.00 that was
accumulated over the last couple of years by collecting money from the
taxpayers. This money sits in an account waiting to be used to fund
projects. They have only accrued enough money to fund Phase 1 of the
project.

Their plan is to raise the assessments on property owners to provide
enough money to complete Phase 2 of the project. The taxpayers must vote
on this proposal to decide whether this is the right way to create the
funding for the project. The problem that we have is that if enough
money is not raised to do this, then the town will request for a bond to
pay for it. The longer the bond term, the lower the interest rate. Now a
new problem has arisen. The town must now pay for a bond in which they
must raise the money to pay for the bond and they will end up spending
at least 3 times more than what they had originally planned to spend so
that they may keep the interest rate down. It just keeps turning into a
snowball effect. I am sure that you understand where I am going with
this.

The Town of Bristol currently provided the funding of their new Town
Hall by using partial money out of their account and taking on a bond
that they currently owe \$900,000.00 and have a remaining 29 years left
to pay on it. The bond loans only provide a temporary solution for any
projects, because it is a simpler way of providing funding without
putting all the burden on the taxpayers right up front. But in
actuality, the terms of the bonds end up costing the taxpayers more in
the long term. The Town of Bristol still has other projects to be
completed but they must find a way of completing the projects without
putting the heavy burden on the towns people.

Each town you see runs into the same problems, and it only continues
year after year. Everything always seems to take a long time to get
resolved, and it usually always costs the taxpayers more and only adds
stress to the Town Board members trying to figure out a solution on how
to fix this problem. If you will take a moment to pay attention to what
I propose, you will then see what I have put together that can solve
problems for not only towns, but many other issues going on in our
States. Some towns find ways of eliminating their debt by cutting
spending, laying off workers, or by taking longer term bonds/loans out
to cut costs down.

I have invested into a company which allows me to operate as an
independent as long as I represent the two company's in a legal and
moral way. I have provided the information about these two entities that
merged together in July of 2003 enclosed in this packet. According to
the company, you cannot profit by paying for the services for another to
have. This would be an act of fraud, and would mean severe punishment.
But, the act of fraud is not being committed because the money in the
accounts to be used for the funding of the services plan for all has
been provided by the people for the people. It is a win situation for
all. As long as the Town Board members are willing to sign a

Todd Ewert

Joseph Lovejoy

Small Business, CDLP & Group Benefits

FTC Company Compliance

2269 Lyell Avenue

Rochester , New York 14606

Phone (585)746-9274

Fax (585) 473-1419

[Landofopportunity@hotmail.com]{.underline}

[Upbizbuilders@aol.com]{.underline}

waiver stating that they are willing to be vested in the companys; that
they will forfeit any money that they would receive and allow this money
to go into a charitable account for the townspeople; then the ongoing
issues that arise year after year can be resolved. The funds that are in
each towns accounts were provided by the taxpayers. This only means that
the taxpayers are using their own money in their account to provide the
funding for their own services.

The townspeople not only will provide themselves with protection from
anti-U.S. countries, but receive an equal justice benefits plan and
will. Those that could no longer afford a will, can now provide peace of
mind for their families. The money that was used up front out of the
account to provide for the first months memberships is replaced back
into the account, and the bonus money is deposited into the account the
following month on the 15^th^. This money is a one time payout that is
known as "Payed As Earned". Out of the bonus money, the remaining 11
months memberships can be funded by this. Now the taxpayers have
provided themselves with a benefits plan, extra money to provide funding
for projects in their towns without raising their assessments or taxes.
The employees of the towns will have equal representation as of those
who live in the town. No more bonds would need to be required to fund
projects and the extra funds can be used to pay off the old bonds. The
extra funds could be put into a "Jumbo" to earn interest which can
provide the funding for the renewal of the memberships come the 13^th^
month. By then, the commissions and bonus, plus cumulative overrides
would kick in again as a one time "Payed As Earned" plan.

Also, now that the memberships are renewed again, the company provides a
residual to be payed out on the 15^th^ month of every year as long as
the memberships keep a 100% persistency rating. Now you have new money
on the table to be used to fund projects. The memberships are willable,
so now there will be a constant residual year after year. The town could
benefit more and hopefully create a new tax write off. The state could
work together with a township now by allowing a tax break because the
town did not require any funding from the state. This means that the
state could use the extra funding for another problem within the state.
The ironic part of this idea that will work is that the towns are
looking to build town halls for a better justice system. Not only does
the state look good as far as it's numbers and fixing problems within
it's parameters, but the towns look good and it promotes the company
too. Now more people are aware of what is available for them out there.
The economy needs improvement, consumer spending is down and the overall
consumer confidence is hurting, however; with this plan you will see the
economy improve; jobs will not be lost, and tourism is increased
providing wealth for a business in our region. And as I reiterate this,
our State becomes one of the most viable places to live in.

Here are the figures: The Bookkeeper receives a legal plan membership &
I.D. Theft plan & enrolls into the company to become an Associate. This
person then enrolls 29 town employees under them to become Associates
with a 2 plan membership. The total cost for this is: \$3,988.50 . The
Bookkeeper now becomes a Sr. Associate and will receive a commission of
\$2,514.05 . These 29 people will then enroll 38 people each under them
with a 2 plan. The cost for 1,102 plans= \$37,412.90 . These 29 people
now become Executive Directors and will receive a commission and bonus
of \$11,556.16 . The plan is now complete and the Sr. Associate now can
receive a 1 time bonus total of \$708,500.00. All the money will be paid
out on the 15^th^ of the following month. The upfront cost for the first
month totals= \$41,401.40 .

Todd Ewert

Joseph Lovejoy

Small Business, CDLP & Group Benefits

FTC Company Compliance

2269 Lyell Avenue

Rochester , New York 14606

Phone (585)746-9274

Fax (585) 473-1419

[Landofopportunity@hotmail.com]{.underline}

[Upbizbuilders@aol.com]{.underline}

The money that would be receivable totals=\$1,046,142.69. Out of the
receivables you must then pay for 11 months of memberships for all 1,132
people which totals=\$422,745.40. The total amounts for the plan to work
total=\$464,146.80. Receivables=\$1,046,142.69 -
\$464,146.80=\$581,995.89 positive revenue. Take \$581,995.89 and put
this into a 364 day "Jumbo" and receive an extra \$18,000.00 in interest
based around a 3% interest plan. Now repeat the plan over again for the
following year. On the 13^th^ month, when you renew the memberships,
residual will now kick in on the 15^th^ month providing an extra
\$46,412.00 a year as long as the membership renewals remain at 100%
persistency. The total amount after the 15^th^ month for the first year
will = roughly: \$646,407.89. The numbers will grow higher year after
year, and the more memberships there are, the higher the gross revenue
is.

Please contact me directly to discuss the above listed figures and
determine the best plan for the towns prior to each towns voting date.
We need to implement this plan as soon as possible to help prevent the
towns from wasting more money. The company reserves the right to
eliminate the bonus of \$708,500.00 when they feel it is no longer
needed to stimulate growth. The Town of Richmond is having their vote on
Tuesday July 15^th^ , 2008 at 7:00 p.m. I know that this is a short
timeline, but knowing that the plan I have created will work; we could
propose this idea to function before any existing plans progress. This
plan can be instituted and completed within a week from the start of
inception. Let's make this happen as soon as possible to create a
positive attitude for all. If you refer to the Town of Richmond's
recorded meeting minutes, you will see that the attendance was that of 5
people and one person was stated as saying that " anything that happens
would be an improvement to the town ".

It's pretty sad to see that there is a low morale and that almost nobody
cares what happens in our towns or states. We should be proud to be
Americans and take pride in what we stand for; " The land of the free
and home of the brave. " I could go on with more motto's, but I feel
that now is not the right time until once the issues that we are
addressing can be fixed; we can then feel proud to proclaim once again
what this land was founded on. You may reach me directly at
585-746-9274.

Sincerely,

Todd Ewert