FORM 10-QSB

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

(Mark One)

[X]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
     ACT OF 1934

             For the quarterly period ended   September 30, 2002
                                              ------------------

                                       OR

[ ]  TRANSITION  REPORT  PURSUANT  TO  SECTION  13 OR  15(d)  OF THE  SECURITIES
     EXCHANGE ACT OF 1934



                         Commission file number 0-26461
                                                -------


                          GLOBAL VISION HOLDINGS, INC.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)


             NEVADA                                          58-2368425
  -------------------------------                      --------------------
  (State or other jurisdiction of                       (I.R.S. Employer
  incorporation or organization)                        Identification No.)


7825 Fay Avenue, Suite 200, La Jolla, CA                       92037
-------------------------------------------                  ----------
  (Address of principal executive offices)                   (Zip Code)


                                 (303) 683-6665
              -----------------------------------------------------
              (Registrant's telephone number, including area code)


                              SNELLING TRAVEL, INC.
                              4636 Village Drive,
                           Fernandina, Florida 32034
                                  FYE - 12/31
                     ---------------------------------------
                     (Former name, former address and former
                   fiscal year, if changed since last report)

     Indicate  by check mark  whether the  registrant  (1) has filed all reports
required to be filed by Section 13 or 15(d) of the  Securities  Exchange  Act of
1934  during  the  preceding  12 months  (or for such  shorter  period  that the
registrant was required to file such reports),  and (2) has been subject to such
filing requirements for the past 90 days.   Yes XX       No
                                                ---         ---
<PAGE>

                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
                   CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                           SEPTEMBER 30, 2002 AND 2001



<PAGE>


                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)


                          INDEX TO FINANCIAL STATEMENTS


             CONDENSED CONSOLIDATED FINANCIAL STATEMENTS - UNAUDITED


Balance Sheets as of September 30, 2002 (unaudited)....................    F-3

Statements of Operations for the Nine and Three Months
    Ended September 30, 2002 and 2001 (unaudited)
         - With Cumulative Totals Since Inception......................    F-4

Statements of Cash Flows for the Nine Months Ended
     September 30, 2002 and 2001 (unaudited)
         - With Cumulative Totals Since Inception......................    F-5

Notes to Unaudited Condensed Consolidated Financial Statements.........    F-6

<PAGE>

                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
                      CONDENSED CONSOLIDATED BALANCE SHEETS
                         SEPTEMBER 30, 2002 (UNAUDITED)


                                     ASSETS
                                     ------

Current Asset:
  Cash and cash equivalents                                        $    46,201
                                                                   -----------

    Total Current Asset                                                 46,201
                                                                   -----------


TOTAL ASSET                                                        $    46,201
                                                                   ===========


                 LIABILITIES AND STOCKHOLDERS' DEFICIT
                 -------------------------------------

LIABILITIES
Current Liabilities:
  Accounts payable and accrued expenses                            $   142,485
  Due to officers                                                       28,836
                                                                   -----------

      Total Current Liabilities                                        171,321
                                                                   -----------

      Total Liabilities                                                171,321
                                                                   -----------

STOCKHOLDERS' DEFICIT
  Common Stock, Class A, $.001 Par Value; 100,000,000 authorized
      and 32,442,248 issued and outstanding                             32,442
  Additional Paid-in Capital                                         2,216,386
  Deficit Accumulated During the Development Stage                  (2,373,948)
                                                                   -----------

      Total Stockholders' Deficit                                     (125,120)
                                                                   -----------


TOTAL LIABILITIES AND STOCKHOLDERS' DEFICIT                        $    46,201
                                                                   ===========

                     The accompanying notes are an integral
            part of the condensed consolidated financial statements

                                       F-3
<PAGE>

<TABLE>
                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
                 CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
   FOR THE NINE AND THREE MONTHS ENDED SEPTEMBER 30, 2002 AND 2001 (UNAUDITED)

                    (WITH CUMULATIVE TOTALS SINCE INCEPTION)
<CAPTION>


                                                      NINE MONTHS ENDED               THREE MONTHS ENDED
                                                 ----------------------------    ----------------------------    Cumulative
                                                 September 30,   September 30,   September 30,   September 30,   Totals Since
                                                    2002             2001           2002             2001         Inception
                                                 ------------    ------------    ------------    ------------    ------------
<S>                                              <C>             <C>             <C>             <C>             <C>

OPERATING REVENUES
  Revenue                                        $       --      $       --      $       --      $       --      $       --

COST OF SALES                                            --              --              --              --              --
                                                 ------------    ------------    ------------    ------------    ------------

GROSS PROFIT                                             --              --              --              --              --
                                                 ------------    ------------    ------------    ------------    ------------

OPERATING EXPENSES
   Consulting fees                                  2,220,000            --         2,220,000            --         2,220,000
   Professional fees and compensation expenses         14,138          17,316           7,500           5,867          96,119
   General and administrative expenses                  4,129           2,534           1,586           1,094          22,829
                                                 ------------    ------------    ------------    ------------    ------------
       Total Operating Expenses                     2,238,267          19,850       2,229,086           6,961       2,338,948
                                                 ------------    ------------    ------------    ------------    ------------

NET LOSS BEFORE PROVISION FOR INCOME TAXES         (2,238,267)        (19,850)     (2,229,086)         (6,961)     (2,338,948)
Provision for Income Taxes                            (35,000)           --           (35,000)           --           (35,000)
                                                 ------------    ------------    ------------    ------------    ------------

NET LOSS APPLICABLE TO COMMON SHARES             $ (2,273,267)   $    (19,850)   $ (2,264,086)   $     (6,961)   $ (2,373,948)
                                                 ============    ============    ============    ============    ============

NET LOSS PER BASIC AND DILUTED SHARES            $   (0.05807)   $   (0.00045)   $   (0.07518)   $   (0.00016)
                                                 ============    ============    ============    ============

WEIGHTED AVERAGE NUMBER OF COMMON
    SHARES OUTSTANDING                             39,146,077      44,225,000      30,115,261      44,225,000
                                                 ============    ============    ============    ============
</TABLE>

                     The accompanying notes are an integral
            part of the condensed consolidated financial statements.

                                       F-4
<PAGE>

<TABLE>
                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
                 CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
              FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2002 AND 2001
                                   (UNAUDITED)

                    (WITH CUMULATIVE TOTALS SINCE INCEPTION)
<CAPTION>

                                                                                             Cumulative
                                                                                            Totals Since
                                                                  2002           2001         Inception
                                                               -----------    -----------    -----------
<S>                                                            <C>            <C>            <C>
CASH FLOW FROM OPERATING ACTIVIITES
   Net loss                                                    $(2,273,267)   $   (19,850)   $(2,373,948)
                                                               -----------    -----------    -----------
   Adjustments to reconcile net loss to net cash provided by
     (used in) operating activities

     Common stock issued for services                            2,220,000           --        2,221,000
     Rent and salaries contributed by officer                        5,400          5,400         27,000
     Merger of Global Vision                                       (51,672)          --          (51,672)

  Changes in assets and liabilities
     Increase (decrease) in accounts payable and
       and accrued expenses                                        120,793          8,992        142,485
                                                               -----------    -----------    -----------
     Total adjustments                                           2,294,521         14,392      2,338,813
                                                               -----------    -----------    -----------

     Net cash provided by (used in) operating activities            21,254         (5,458)       (35,135)
                                                               -----------    -----------    -----------

CASH FLOWS FROM FINANCING ACTIVITIES
   Increase in amounts due to officers                              24,486           --           28,836
   Proceeds from issuance of common stock                             --             --           52,500
                                                               -----------    -----------    -----------

      Net cash provided by financing activities                     24,486           --           81,336
                                                               -----------    -----------    -----------


NET INCREASE (DECREASE) IN
    CASH AND CASH EQUIVALENTS                                       45,740         (5,458)        46,201

CASH AND CASH EQUIVALENTS -
    BEGINNING OF PERIOD                                                461          5,811           --
                                                               -----------    -----------    -----------

CASH AND CASH EQUIVALENTS - END OF PERIOD                      $    46,201    $       353    $    46,201
                                                               ===========    ===========    ===========

SUPPLEMENTAL INFORMATION ON NONCASH ACTIVITIES:

      Common stock issued for services                         $ 2,220,000    $      --
                                                               ===========    ===========


</TABLE>

                     The accompanying notes are an integral
            part of the condensed consolidated financial statements.

                                       F-5
<PAGE>

                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                           SEPTEMBER 30, 2002 AND 2001


NOTE 1 -  ORGANIZATION AND BASIS OF PRESENTATION
          --------------------------------------

          The condensed  consolidated  unaudited  interim  financial  statements
          included  herein have been prepared,  without  audit,  pursuant to the
          rules and regulations of the Securities and Exchange  Commission.  The
          condensed consolidated financial statements and notes are presented as
          permitted  on Form 10-QSB and do not contain  information  included in
          Global  Vision  Holdings,   Inc.  (formerly   Snelling  Travel,   Inc.
          "Snelling"))  (the  "Company")  annual  statements and notes.  Certain
          information and footnote  disclosures  normally  included in financial
          statements prepared in accordance with accounting principles generally
          accepted  in the  United  States of  America  have been  condensed  or
          omitted pursuant to such rules and  regulations,  although the Company
          believes  that the  disclosures  are adequate to make the  information
          presented  not   misleading.   It  is  suggest  that  these  condensed
          consolidated  financial  statements  be read in  conjunction  with the
          December 31, 2001  audited  financial  statements  of Snelling and the
          accompanying notes thereto.  While management  believes the procedures
          followed  in  preparing   these   condensed   consolidated   financial
          statements  are  reasonable,  the  accuracy of the amounts are in some
          respects dependent upon the facts that will exist, and procedures that
          will be accomplished by the Company later in the year.

          These condensed  consolidated  unaudited financial  statements reflect
          all adjustments,  including normal recurring adjustments which, in the
          opinion  of   management,   are   necessary  to  present   fairly  the
          consolidated operations and cash flows for the periods presented.

          On December 15,  1997,  Snelling  was  incorporated  under the laws of
          Colorado.  Snelling's  primary  purpose  was to engage  in the  travel
          business,  specializing in adventure  travel within the United States,
          Canada, Mexico and the Caribbean.

          During August 1999,  Snelling filed a registration  statement with the
          U. S.  Securities  and  Exchange  Commission  on Form  10-SB,  thereby
          registering  its common  stock under the  Securities  Exchange  Act of
          1934, as amended.

          On July 29, 2002,  Snelling had a 1:100 reverse  stock split  reducing
          the number of issued and outstanding shares 43,782,752 to 442,248.

          On August 1, 2002 Snelling entered into an Agreement and Plan of Share
          Exchange (the "Share Exchange Agreement"),  which sets forth the terms
          and conditions of a proposed  business  combination of the Company and
          Global Vision, Inc., a California corporation ("Global").  Pursuant to
          the Share Exchange  Agreement,  Global  exchanged one hundred  percent
          (100%) of its issued  and  outstanding  shares for twenty six  million
          (26,000,000)  shares  of  Snelling,  with  Snelling  as the  surviving
          corporation.  Global as a result became a  wholly-owned  subsidiary of
          Snelling. The transaction was completed on August 15, 2002.

                                       F-6
<PAGE>


                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
        NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)
                           SEPTEMBER 30, 2002 AND 2001


NOTE 1-   ORGANIZATION AND BASIS OF PRESENTATION (CONTINUED)
          --------------------------------------

          Global was formed in January 1999 as a California corporation.  Global
          is a "3rd generation"  Internet  technology  company with two software
          systems that can help companies  doing business over the Internet with
          its  two  software  products:   the  Silverado  Intelligent  Web  Site
          Development System; and EBPP (Electronic Bill Presentment and Payment)
          System.

          The "3rd generation"  features integrated Internet systems that enable
          more   effective   line-of-business   applications.    Building   "3rd
          generation"  Internet  systems will demand  integration  with existing
          operations and processes of business units. In the coming years,  most
          companies   will  integrate   their   Internet   presence  with  their
          mission-critical    line-of-business    processes.    Creating   these
          applications will be the most difficult  challenge Internet developers
          have yet to face.

          Global is still in the final phases of  developing  their  product and
          therefore is considered a development stage company.  Management is of
          the  belief  that  revenues  will be  generated  form  their  software
          packages early next year.

          Additionally,  on August  30,  2002 as a result of the Share  Exchange
          Agreement, the registrant,  Snelling Travel, Inc. has changed its name
          to Global  Vision  Holdings,  Inc. All matters of the share  exchange,
          including  the  name  change  was  approved  by  the  shareholders  of
          Snelling.


NOTE 2 -  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
          ------------------------------------------

          Principles of Consolidation
          ---------------------------

          The condensed  consolidated  financial statements include the accounts
          of the Company and all of its wholly owned subsidiary. All significant
          intercompany   accounts  and  transactions  have  been  eliminated  in
          consolidation.

          Development Stage Company
          -------------------------

          The Company is a development  stage  company.  The Company is devoting
          substantially  all of its efforts in enhancing  its computer  software
          packages for its new business venture, Global Vision, Inc. Global is a
          "3rd generation" Internet technology company with two software systems
          that can help companies do business over the Internet.

                                       F-7
<PAGE>


                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
        NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)
                           SEPTEMBER 30, 2002 AND 2001


NOTE 2 -  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
          ------------------------------------------

          Use of Estimates
          ----------------

          The preparation of financial  statements in conformity with accounting
          principles generally accepted in the United States of America requires
          management to make estimates and assumptions  that affect the reported
          amounts of assets and liabilities and disclosures of contingent assets
          and  liabilities  at the  date  of the  financial  statements  and the
          reported amounts of revenues and expenses during the reporting period.
          Actual results could differ from those estimates.

          Revenue and Cost Recognition
          ----------------------------

          Revenue,  when generated,  will be recorded on the accrual basis, when
          earned.  The Company upon the  combination  of Global is  anticipating
          earning revenue in the early part of next year.

          Cost is recorded on the accrual  basis as well,  when the services are
          incurred rather than paid for.

          Cash and Cash Equivalents
          -------------------------

          The Company  considers  all highly liquid debt  instruments  and other
          short-term  investments  with an initial  maturity of three  months or
          less to be cash equivalents.

          The Company  maintains  cash and cash  equivalent  balances at several
          financial  institutions  which  are  insured  by the  Federal  Deposit
          Insurance Corporation up to $100,000.

          Income Taxes
          ------------

          The income tax  benefit is  computed  on the pretax  loss based on the
          current tax law.  Deferred  income  taxes are  recognized  for the tax
          consequences  in future years of differences  between the tax basis of
          assets and liabilities and their financial  reporting  amounts at each
          year-end  based on  enacted  tax laws and  statutory  tax  rates.  The
          Company has recorded $35,000 for potential  payments for returns to be
          amended for prior years.


                                       F-8
<PAGE>


                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
        NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)
                           SEPTEMBER 30, 2002 AND 2001


NOTE 2-   SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
          ------------------------------------------

          Earnings (Loss) Per Share of Common Stock
          -----------------------------------------

          Historical  net income  (loss) per common share is computed  using the
          weighted average number of common shares outstanding. Diluted earnings
          per  share  (EPS)  includes  additional  dilution  from  common  stock
          equivalents,  such as stock issuable pursuant to the exercise of stock
          options and warrants.  Common stock  equivalents  were not included in
          the  computation  of  diluted  earnings  per  share  when the  Company
          reported a loss  because to do so would be  antidilutive  for  periods
          presented.

          The following is a  reconciliation  of the  computation  for basic and
          diluted EPS:

                                                   September 30,   September 30,
                                                       2002            2001
                                                    -----------    -------------
          Net Loss                                 ($ 2,273,267)       ($19,850)

          Weighted-average common shares
            outstanding (Basic)                      39,146,077      44,225,000

          Weighted-average common stock equivalents:
                Stock options                               --              --
                Warrants                                    --              --

          Weighted-average common shares
              outstanding (Diluted)                  39,146,077      44,225,000

          Options and warrants  outstanding  to purchase stock were not included
          in the  computation of diluted EPS because  inclusion  would have been
          antidilutive.

          Software Development Costs
          --------------------------

          Software  development  costs  are  accounted  for in  accordance  with
          Statement  of Position  98-1,  "Software  Developed  or  Obtained  for
          Internal  Use".  Costs  incurred in a  preliminary  project  stage are
          expensed  as  incurred.  External  direct  costs,  payroll and payroll
          related costs for those directly  involved with a project and interest
          costs in  accordance  with the  provisions  of  Statement of Financial
          Accounting Standards (SFAS) No. 34, "Capitalization of Interest Cost",
          are  capitalized  during  the  application  development  stage.  Costs
          incurred during the  post-implementation/operation  stage are expensed
          as incurred.

                                       F-9
<PAGE>

                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
        NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)
                           SEPTEMBER 30, 2002 AND 2001



NOTE 2-   SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
          ------------------------------------------

          Fair Value of Financial Instruments
          -----------------------------------

          The carrying amount reported in the condensed  balance sheets for cash
          and  cash  equivalents  and  accounts  payable  and  accrued  expenses
          approximate fair value because of the immediate or short-term maturity
          of these financial instruments.

          Reclassifications
          -----------------

          Certain amounts for the nine months ended September 30, 2001 have been
          reclassified  to conform with the  presentation  of the  September 30,
          2002 amounts. The  reclassifications  have no effect on net income for
          the nine months ended September 30, 2001.

          Recent Accounting Pronouncements
          --------------------------------

          In June 1998, the Financial Accounting Standards Board issued SFAS No.
          133,  "Accounting for Derivative  Instruments and Hedging Activities".
          SFAS No. 133 requires companies to recognize all derivative  contracts
          as either  assets or  liabilities  in the balance sheet and to measure
          them at fair value. If certain conditions are met, a derivative may be
          specifically designated as a hedge, the objective of which is to match
          the timing of the gain or loss  recognition on the hedging  derivative
          with the  recognition  of (i) the  changes  in the  fair  value of the
          hedged asset or liability that are  attributable to the hedged risk or
          (ii) the earnings effect of the hedged forecasted  transaction.  For a
          derivative not designated as a hedging instrument, the gain or loss is
          recognized  in income in the period of change.  On June 30, 1999,  the
          FASB issued SFAS No. 137,  "Accounting for Derivative  Instruments and
          Hedging  Activities - Deferral of the Effective Date of FASB Statement
          No. 133". SFAS No. 133 as amended by SFAS No. 137 is effective for all
          fiscal quarters of fiscal years beginning after June 15, 2000. In June
          2000, the FASB issued SFAS No. 138, "Accounting for Certain Derivative
          Instruments and Certain Hedging  Activities".  SFAS No. 133 as amended
          by SFAS No. 137 and 138 is effective for all fiscal quarters of fiscal
          years  beginning after June 15, 2000. The Company has not entered into
          hedging activities.

          In December 1999, the Securities and Exchange  Commission issued Staff
          Accounting Bulletin ("SAB") No. 101, "Revenue Recognition in Financial
          Statements." SAB 101 provides  guidance for revenue  recognition under
          certain  circumstances,  and is effective  during the first quarter of
          fiscal year 2001. SAB 101 is not expected to have a material effect on
          our consolidated  results of operations,  financial  position and cash
          flows.

                                      F-10
<PAGE>


                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
        NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)
                           SEPTEMBER 30, 2002 AND 2001



NOTE 2 -  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
          ------------------------------------------

          Recent Accounting Pronouncements (Continued)
          --------------------------------------------

          On March 16, 2000,  the  Emerging  Issues Task Force issued EITF 99-19
          "Recording  Revenue  as a  Principal  versus  Net as an  Agent"  which
          addresses the issue of how and when revenues should be recognized on a
          Gross or Net method as the title  implies.  The  emerging  Issues Task
          Force has not  reached  a  consensus  but  sites SEC Staff  Accounting
          Bulletin  101. EITF 99-19 does not affect our  consolidated  financial
          statements.

          On July 20,  2000,  the  Emerging  Issues Task Force issued EITF 00-14
          "Accounting For Certain Sales Incentives" which establishes accounting
          and reporting  requirements  for sales  incentives  such as discounts,
          coupons, rebates and free products or services. Generally,  reductions
          in or refunds of a selling  price should be  classified as a reduction
          in  revenue.  For  SEC  registrants,  the  implementation  date is the
          beginning of the fourth quarter after the registrant's fiscal year end
          December  15,  1999.  EITF  00-14  does not  affect  our  consolidated
          financial statements.

          In June 2001,  the FASB issued  Statement  No. 142 "Goodwill and Other
          Intangible Assets".  This Statement addresses financial accounting and
          reporting  for  acquired  goodwill  and other  intangible  assets  and
          supersedes  APB Opinion No. 17,  Intangible  Assets.  It addresses how
          intangible  assets that are acquired  individually  or with a group of
          other assets (but not those acquired in a business combination) should
          be accounted for in financial statements upon their acquisition.  This
          Statement  also  addresses  how goodwill and other  intangible  assets
          should be accounted for after they have been  initially  recognized in
          the financial  statements.  This  statement has been  considered  when
          determining impairment of goodwill in certain transactions.

NOTE 3-   RELATED PARTY TRANSACTIONS
          --------------------------

          The Company has non-interest bearing amounts due to/from officers.  At
          September 30, 2002, the amount outstanding to the officers is $28,836.
          This amount is anticipated to be paid back during the fiscal year.

NOTE 4-   STOCKHOLDERS' (DEFICIT)
          -----------------------

          The Company as of September 30, 2002, has 100,000,000 shares of common
          stock authorized and 32,442,248 issued and outstanding.  The par value
          of the Company's common stock is $.001.

                                      F-11
<PAGE>


                          GLOBAL VISION HOLDINGS, INC.
                        (FORMERLY SNELLING TRAVEL, INC.)
                          (A DEVELOPMENT STAGE COMPANY)
        NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)
                           SEPTEMBER 30, 2002 AND 2001



NOTE 4-  STOCKHOLDERS' (DEFICIT) (CONTINUED)
         -----------------------

          In December 1999, the Board of Directors  authorized a twenty-nine for
          one stock split of Snelling's common stock.

          On July 29, 2002, the Board of Directors  authorized a reverse one for
          one-hundred stock split of Snelling's common stock.

          On August 15, 2002,  the Company  registered  6,000,000  shares of S-8
          stock,  which were issued as compensation  and consulting  expenses to
          various  consultants  and  employees  in  conjunction  with the  Share
          Exchange  Agreement.  The fair value of the 6,000,000 shares of common
          stock was $0.37 per share as  determined  by the value the shares were
          currently  being  traded at.  This  value,  $2,220,000  was charged to
          expense in the quarter ended September 30, 2002.

          Snelling  exchanged  20,000,000  shares of common stock for 26,000,000
          shares of Global as part of the  Share  Exchange  Agreement  effective
          August 15, 2002.

NOTE 5-   GOING CONCERN

          As  shown  in  the  accompanying   condensed   consolidated  financial
          statements, the Company has incurred net losses since inception and is
          in the development stage and has not recorded revenues.  Management is
          confident that the merger of Global will result in  profitability  for
          the Company,  however,  there is no guarantee whether the Company will
          be able to complete  transactions  and generate  enough revenue and/or
          raise capital to support  those  operations.  This raises  substantial
          doubt about the Company's ability to continue as a going concern.

          The  condensed  consolidated  financial  statements do not include any
          adjustments that might result from the outcome of these uncertainties.

                                      F-12
<PAGE>

ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION

Introduction

     The following discussion and analysis highlights the financial position of
Global Vision  Holdings,  Inc. ("us" or the "Company") at September 30, 2002 and
compared  to year end  December  31, 2001 and plan of  operations  for the three
month periods ended  September,  2002 and 2001, and the period from inception to
September 30, 2002.  This  discussion and analysis should be read in conjunction
with the  financial  statements  and  discussion  and analysis  contained in our
Annual  Report on Form 10-KSB for the year ended  December 31,  2001.  Financial
information contained in this report is condensed and un-audited.

     Certain  statements  contained  herein and subsequent  oral  statements may
contain  "forward  looking   statements"  within  the  meaning  of  the  Private
Securities  Litigation Reform Act of 1995. Such  forward-looking  statements are
identified by words such as "intends,"  "anticipates,"  "hopes," and  "expects,"
among  others,  and  include,  without  limitation,   statements  regarding  the
Company's   plan  of  business   operations,   anticipated   revenues,   related
expenditures  and the results of any business  transactions.  Factors that could
cause actual results to differ materially include,  among others, the following:
acceptability  of the Company's  services in the retail  market  place,  general
economic conditions,  political and economic conditions in the United States and
abroad and  decisions of third  parties.  Most of these  factors are outside the
control of the Company.  Investors are  cautioned  not to put undue  reliance on
forward-looking   statements.   Except  as  otherwise   required  by  applicable
securities  statutes  or  regulations,  the  Company  disclaims  any  intent  or
obligation to update  publicly these forward  looking  statements,  whether as a
result of new information, future events or otherwise.

Plan of Operation

     At  September  30, 2002,  the Company  remained in the  development  stage,
having no  revenue  from  operations.  Receipt  of  revenue  by the  Company  is
dependent on the success of its  marketing  efforts.  In May 2002,  prior to the
merger,  Global had signed a Letter of Intent with AIC,  Inc., a  Virginia-based
financial services provider, to create business software applications to support
the marketing activities of AIC and its marketing partners.

AIC provides  insurance,  investment,  and financial services to banks and their
customers  and  has  marketing   agreements   with  several   financial   groups
representing  several hundred small to medium sized banks located throughout the
east coast and the  Southeast.  AIC stated its  partner  banks seek a  Web-based
marketing   distribution   network  that  integrates  insurance  and  investment
processes  with  its  existing  banking  operations  for  them to  operate  more
effectively, and help compete with big banks for market share.

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<PAGE>


The Company  expects a contract  with AIC to be executed in the forth quarter of
2002.  Once the  contract  is  consummated,  the  Company is  expected to create
database  connected  Internet and intranet Web sites to assist the marketing and
sales  activities  of the  banks.  The  Company  will  then be  able  to  derive
transaction  fees as well as monthly  subscription-based  service  fees from the
bank employees and broker/dealer agents using the network applications.  AIC and
the Company expect to finalize the contract in the fourth quarter of 2002.

The Company  believes  subscription-based  service fee revenue model is a viable
approach for the Company's near term and longer-term  profitability  and revenue
growth.  Therefore,  the Company  places its utmost  priority in the  successful
closure of the joint venture with AIC and the subsequent  implementation  of the
marketing distribution network for the banks.

In the fourth quarter of 2002,  another  important Company objective is to start
the  building  of a strong  and  effective  management  team for the  day-to-day
administration  and  operation  of the  Company.  The Company will also start to
expand its marketing effort of offering  Internet and  intranet-based  marketing
and sales applications to small businesses in different vertical markets.

On a longer-term and lesser priority than short-term  revenue  generation basis,
the Company,  through Global of California,  had earlier  acquired the marketing
rights  to a SMMC  (Secure  Multi-Media  Card)  technology  developed  by Nippon
Columbia  (a  Hitachi  company)  on  behalf  of an  alliance  of major  Japanese
electronics  manufacturers.  The Company, in the foreseeable future,  intends to
spent  effort  and  continue  the  plans  of  fusing  banking  and  wireless  by
conceptualizing and developing joint ventures on a range of systems that utilize
the SMMC chip.

                                       14
<PAGE>


                                   SIGNATURES

     Pursuant  to the  requirements  of  Section  13 or 15(d) of the  Securities
Exchange Act of 1934, the Registrant has duly caused this report to be signed on
its behalf by the undersigned thereunto duly authorized.


                                                    Global Vision Holdings, Inc.

Date  November 19, 2002
      -----------------

                                                    By: /s/ Jack Chang
                                                        ----------------------
                                                        Jack Chang, President
                                                        and Director

                                       15
<PAGE>


                                  CERTIFICATION


     I, Jack Chang, Chief Executive Officer and Chief Financial Officer, certify
that:

     1. I have  reviewed this  quarterly  report on Form 10-QSB of Global Vision
Holdings, Inc.

     2. Based on my knowledge, this quarterly report does not contain any untrue
statement of a material fact or omit to state a material fact  necessary to make
the statements made, in light of circumstances  under which such statements were
made,  not  misleading  with  respect  to the period  covered by this  quarterly
report; and

     3. Based on my knowledge,  the financial  statements,  and other  financial
information  included in this quarterly  report,  fairly present in all material
respects the financial  condition,  results of operations  and cash flows of the
registrant as of, and for, the periods presented in this quarterly report.

     4. The  Company's  other  certifying  officers  and I are  responsible  for
establishing and maintaining  disclosure  controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for the Company and have:

          a) designed  such  disclosure  controls and  procedures to ensure that
     Material  information  relating to the Company,  including its consolidated
     subsidiaries,  is  made  known  to  us by  others  within  those  entities,
     particularly  during  the period in which  this  quarterly  report is being
     prepared;

          b) evaluated the  effectiveness of the Company's  disclosure  controls
     and procedures as of a date within 90 days prior to the filing date of this
     quarterly report (the "Evaluation Date"); and

          c)  presented  in this  quarterly  report  our  conclusions  about the
     effectiveness  of the  disclosure  controls  and  procedures  based  on our
     evaluation as of the Evaluation Date;

     5. The Company's other certifying  officers and I have disclosed,  based on
our most recent evaluation, to the Company's auditors and the audit committee of
Company's board of directors (or persons performing the equivalent functions);

                                       16
<PAGE>


          a) all significant deficiencies in the design or operation of internal
     controls  which could  adversely  affect the  Company's  ability to record,
     process,  summarize and report  financial data and have  identified for the
     Company's auditors any material weaknesses in internal controls; and

          b) any fraud,  whether or not material,  that  involves  management or
     other  employees  who have a  significant  role in the  Company's  internal
     controls; and

     6. The Company's  other  certifying  officers and I have  indicated in this
quarterly  report  whether or not there  were  significant  changes in  internal
controls or in other factors that could  significantly  affect internal controls
subsequent to the date of our most recent  evaluation,  including any corrective
actions with regard to significant deficiencies and material weaknesses.


Dated:  November 19, 2002                /s/ Jack Chang
                                         ---------------------------------------
                                         Jack Chang, Chief Executive Officer
                                         and Chief Financial Officer

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