O

[Non-text portions of this message have been removed]

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FreedomTreeFinancial.com!! Call us toll-free for your health quote 877 - 369
-1889





       The FreedomTree Financial Group
       INFO@...
       Toll-free 877 369 1889
       International/Local +1 770 369 1889
       www.FreedomTreeFinancial.com






[Non-text portions of this message have been removed]

FreedomTreeFinancial.com
             To ensure delivery of our emails, please Add Us to your address
book. | To view this email as a web page, visit this link.

                   FreedomTree Financial: Short-term rates are steady. No need
for panic.


                             10/1/2008 This week One month ago One year ago
                             Wall Street Journal Prime Rate 5.00 5.00 7.75
                             Discount 2.25 2.25 5.25
                             Fed Funds rate 2.00 2.00 4.75
                             11th District cost of Funds 2.689 2.698 4.359
                  FreedomTree Financial
                         Toll-free +1.877.369.1889
                         Local/International +1.770.369.1889
                         or visit
                         www.FreedomTreeFinancial.com
                         Mon: 7:30 am - 7:00 pm
                         Tues: 7:30 am - 7:00 pm
                         Wed: 7:30 am - 7:00 pm
                         Thu: 7:30 am - 7:00 pm
                         Fri: 7:30 am - 5:00 pm
                         Sat: 10:00 am - 3:00 pm
                         Sun: Closed

                   Despite recent news reports, short term interest rates remain
steady. These rates are used to set credit card rates as well as adjustable rate
mortgages.
                     a.. Prime rate: The rate charged to the most creditworthy
individual or corporate borrower. This rate usually is paid in addition to a
fixed margin (say prime+4.0 percent). As prime varies your rate varies.

                     a.. Discount: This is the rate which makes headlines as the
Federal Reserve board meets every 14 weeks. It is the rate that the 12 Federal
Reserve banks charge commercial banks to borrow money. The lower the rate, the
more profits banks make in lending money to us unfortunate.

                     a.. Fed funds: This is the rate each commercial bank charges
each other for overnight loans and funds held at their respective Federal
Reserve district bank. Its British relative is the LIBOR rate has 1-month,
3-month, 6 month and 1-year tiers.

                     a.. 11th district cost of funds: The 11th district's savings
account rate which is used as benchmark for adjustable rate mortgages

                   As we weather the Wall Street mess, it is important to keep a
clear understanding of the American economic system. Unfortunately, not
including securities from our oversees neighbors, American securities are almost
completely unprofitable on a point-to-point basis beginning October 9, 2000
onward. We look forward to working with you and please visit
www.FreedomTreeFinancial.com to contact a broker.







[Non-text portions of this message have been removed]

FreedomTreeFinancial.com
             To ensure delivery of our emails, please Add Us to your address
book. | To view this email as a web page, visit this link.

                   FreedomTree Financial: Short-term rates are steady. No need
for panic.


                             10/1/2008 This week One month ago One year ago
                             Wall Street Journal Prime Rate 5.00 5.00 7.75
                             Discount 2.25 2.25 5.25
                             Fed Funds rate 2.00 2.00 4.75
                             11th District cost of Funds 2.689 2.698 4.359
                  FreedomTree Financial
                         Toll-free +1.877.369.1889
                         Local/International +1.770.369.1889
                         or visit
                         www.FreedomTreeFinancial.com
                         Mon: 7:30 am - 7:00 pm
                         Tues: 7:30 am - 7:00 pm
                         Wed: 7:30 am - 7:00 pm
                         Thu: 7:30 am - 7:00 pm
                         Fri: 7:30 am - 5:00 pm
                         Sat: 10:00 am - 3:00 pm
                         Sun: Closed

                   Despite recent news reports, short term interest rates remain
steady. These rates are used to set credit card rates as well as adjustable rate
mortgages.
                     a.. Prime rate: The rate charged to the most creditworthy
individual or corporate borrower. This rate usually is paid in addition to a
fixed margin (say prime+4.0 percent). As prime varies your rate varies.

                     a.. Discount: This is the rate which makes headlines as the
Federal Reserve board meets every 14 weeks. It is the rate that the 12 Federal
Reserve banks charge commercial banks to borrow money. The lower the rate, the
more profits banks make in lending money to us unfortunate.

                     a.. Fed funds: This is the rate each commercial bank charges
each other for overnight loans and funds held at their respective Federal
Reserve district bank. Its British relative is the LIBOR rate has 1-month,
3-month, 6 month and 1-year tiers.

                     a.. 11th district cost of funds: The 11th district's savings
account rate which is used as benchmark for adjustable rate mortgages

                   As we weather the Wall Street mess, it is important to keep a
clear understanding of the American economic system. Unfortunately, not
including securities from our oversees neighbors, American securities are almost
completely unprofitable on a point-to-point basis beginning October 9, 2000
onward. We look forward to working with you and please vist
www.FreedomTreeFinancial.com to contact a broker.







[Non-text portions of this message have been removed]

www.FreedomTreeFinancial.com
             To ensure delivery of our emails, please Add Us to your address
book. | To view this email as a web page, visit this link.

                   Turning the FIA world upside-down

                   www.FreedomTreeFinancial.com

                   How often do you find yourself in a "win-win" situation; where
it does't matter whether the outcome is good or bad, you benefit either way?

                   Introducing the Allianz Summit IISM Annuity, offering:

                     a.. Indexed interest for both positive and negative index
performance. In fact, the only way there wouldnt be an indexed interest credit
is if the blended index performance were exactly zero. This fixed annuity pays
credits based on the performance of the Dow Jones Industrial Average (35%),
Lehman Aggregate Bond (35%), EuroSTOXX 50 (20%), and Russell 20000 (10%). (see
pdf)!!!
                     b.. 100% "upside" participation rate, 10% "downside"
participation rate. If the Index nets negative, Allianz pay's 10% of that figure
(i.e -10 % for DJIA your account receives 1% credit for that five year period or
10% if index gained +10%) See performance for this annuity
                     c.. No caps, no upfront fees
                     d.. Immediate access to free withdrawals of up to 10% of
premium paid per year
                     e.. Lump-sum access after 10 years, prior to that a
surrender charge will apply.
                     f.. Flexible income options including lifetime income
                   Another first from Allianz, the annuity that turns the FIA
world "upside-down" by offering indexed interest regardless of whether the
blended index is "up" or "down."

                   See the view from the summit. For more information, call
877.369.1889 or local 770 369 1889.

--------------------------------------------------------------






       As with all rates, participation rates are subject to change at any time.
Guaranteed minimum "upside" participation rate is 25%, the guaranteed minimum
"downside" participation rate is 5%.

       Guarantees are backed by the financial strength and claims-paying ability
of Allianz Life Insurance Company of North America.

       This is an insurance product and not an investment. This product does not
participate directly in the market or the index. It is not possible to invest
directly in an index.

       Not FDIC insured • May lose value • No bank or credit union guarantee •
Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

       Products are issued by:
       Allianz Life Insurance Company of North America
       5701 Golden Hills Drive, Minneapolis, MN 55416-1297

       Made available through

       FreedomTree Financial
       www.FreedomTreeFinancial.com
       info@...
       The FreedomTree Financial Group
       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       CONFIDENTIALITY NOTICE: The information in this e-mail may be confidential
and may be legally privileged. It is intended only for the use of the
individual(s) named above. If you are the intended recipient, be aware that your
use of any confidential or personal information may be restricted by state and
federal privacy laws. If you, the reader of this message, are not the intended
recipient, you are hereby notified that you should not further disseminate,
distribute, or forward this e-mail. If you have received this e-mail in error,
please notify the sender and delete the message. Thank you.


       Product availability and features may vary by state.

       EFIX-1059
      C52340
       (9/2008)






[Non-text portions of this message have been removed]

FreedomTreeFinancial.com
             To ensure delivery of our emails, please Add Us to your address
book. | To view this email as a web page, visit this link.


             Dear Reader:

             With the recent news regarding financial markets and announcements
made by several firms, we want to share some information that you might find
helpful. First and foremost, we want you to know that your money is safe with
us, and we will always stand by our commitments to our policyholders. As
difficult as these times are for all of us, this is when we earn our keep - by
providing consumers with the protection and income they desire.



             FreedomTree Carrier Spotlight: Strength of Allianz

             A consistent long-term approach


             At Allianz Life Insurance Company of North America we follow a
conservative investment philosophy designed to weather the markets and diversify
risk regardless of conditions. One result of this philosophy is that our
sub-prime exposure is less than 1/10th of 1 percent of our investment portfolio.
We take a long-term approach, because we're committed to helping you meet your
long-term financial goals.

             Our investment management philosophy

               * We are confident in our investment portfolio, which consists
primarily of high-quality, investment-grade bonds.
               * The bonds are specifically matched to our policyholder
obligations while still providing a high degree of liquidity. You can be
confident in our ability to keep the promises we make to our policyholders.
               * We manage the portfolio to a credit quality of AA, or Very
Strong1, according to Standard & Poor's.

             Limited exposure to Lehman Brothers and AIG

               * Because of our diversification, the direct exposure that Allianz
Life Insurance Company of North America has to Lehman Brothers and AIG
represents about 1/2 of 1 percent of our assets under management. We are
confident in our ability to manage that risk regardless of what happens to
Lehman or AIG.
             Strength in numbers
             Here are some facts about Allianz Life and our parent company,
             Allianz SE:

               * According to Forbes, April 18, 2008, Allianz SE is the 14th
largest corporation in the world based on a composite of sales, profits, assets,
and market value.
               * Allianz Life has approximately $70 billion in assets under
management as of December 31, 2007, and we have a Standard & Poor's financial
strength rating of AA, or Very Strong1. This rating was most recently confirmed
September 1, 2008.

             The FreedomTree Financial Group
             info@...
             www.FreedomTreeFinancial.com
             The FreedomTree Financial Group
             Toll-free 1.877.369.1889 or locally +1 770 369 1889
             Fax ..678 490 2364

             As the situation warrants, we will continue to keep you informed.
But keep in mind that even as markets change, our approach to helping to
safeguard your financial future won't. We seek steady, reliable performance to
help you achieve your financial goals.
             1. This is the 4th highest of 21 possible ratings.

             Insurance and annuities are issued by Allianz Life Insurance Company
of North America. Guarantees are backed by the financial strength and
claims-paying ability of Allianz Life Insurance Company of North America and do
not apply to the performance of the variable subaccounts, which will fluctuate
with market conditions.












       EFIX-1126-A (9/2008)







[Non-text portions of this message have been removed]

We urgently need an optometrist and several eye care professionals for the Feb
medical trip to Honduras.  Read the below story to see what it will be like if
you decide to go.  See detailed note after the letter (and attached map)
 
Eye Care In PLP, Honduras
   I found out about IHS through E-Bay.  That's right-E-bay.  I'm an optometrist
living in Chicago and I had some old optometric instruments to sell.  A
gentleman named Charlie Brown asked me if the equipment was in good enough
working condition for a clinic in Honduras. I told him it was and asked if there
was a need for a volunteer optometrist.     
   Four months later I was in Puerto Lempira, Honduras and our team was seeing
90 patients a day!   The work was both tiring and gratifying.  The eye team
consisted of me and five other IHS volunteers, as well as 3 local translators
who willingly volunteered their time all day for two weeks.  We set up our eye
clinic in a defunct discotheque. We borrowed electricity from the next door
neighbor, by using several long extension cords hoisted over the fence.  
   Our living quarters were at the Catholic Church's dormatory.  The dorm type
room was modest but comfy with rows of beds.  It was shared by all the guys from
the eye team as well as the IHS surgery team who did their work at the local
hospital.   At the end of each day we had a chance to sit around and swap
individual stories about the day¢s work, as well as discuss with one another how
to make the next day better for our patients.  I was thankful to be taken under
the wing of veteran IHS volunteers like John and Karen Kirckof, John Pope, Drew
Mathews, Jack Riordan, John Wagner, Dr.Brown, Jim and JoAnn Prater, as well as
all of the others who made me feel like a welcome part of the team (Jane, Dick,
Emiley, Diana and Ricardito).
   Each morning and everyday after lunch we were met at our "Optica del
Discoteque" by at least 30 waiting patients.  We met some that had walked for
two days to get there!  The need for routine eye care was very apparent.   It
was amazing and inspiring to see the thousands of eyeglasses donated by the
Lions club "in action" at our little hub.  We ended up seeing about 750 patients
and giving out 1100 pairs of glasses.  For those who needed surgery, we had a
referral system worked out with Dr. Ponce who came to Puerto Lempira from La
Ceiba after we left. Thanks to him, his wife, and Dr. Marianne Serkland, 13
surgeries were performed from our referral base.
   I am very grateful to have formed close relationships with all of the
wonderful and gracious people on the IHS team.  We may come from different parts
of the country and different backgrounds, but we all have one thing in common: a
desire to help as many people as we can.  Meeting the IHS volunteers and seeing
the grateful look on all of the faces of the people we helped made traveling to
Honduras the most rewarding experience-clinical or otherwise-that I have had.
 
Matt Gifford, Optometrist
PLP Eye team
 
***
Important note: IHS (International Health Services) hopes to send about 100
medical, eye care, surgical, and support people to Honduras from 13 Feb to 1
March, 2009  They will travel to small towns and villages where their care is
critically needed!  Many spouses and friends go, too.  If there is any way that
this may work for you, just give me a call and I will give you all the details
you need.  Do note that we are doing signups now as we are putting team rosters
together so we can see what supplies, gear, meds, and personal gear we need to
gather for our IHS container shipment the end of Dec.
 
Call me if you have any questions!  Karen and I were on Matt's eye team this Feb
and are signed up to go again.
 
Warm regards,
 
John Kirckof
IHS BOD
320-634-4386





[Non-text portions of this message have been removed]

www.FreedomTreeFinancial.com
             To ensure delivery of our emails, please Add Us to your address
book. | To view this email as a web page, visit this link.

                   Turning the FIA world upside-down

                   www.FreedomTreeFinancial.com

                   How often do you find yourself in a "win-win" situation; where
it does't matter whether the outcome is good or bad, you benefit either way?

                   Introducing the Allianz Summit IISM Annuity, offering:

                     a.. Indexed interest for both positive and negative index
performance. In fact, the only way there wouldnt be an indexed interest credit
is if the blended index performance were exactly zero. This fixed annuity pays
credits based on the performance of the Dow Jones Industrial Average (35%),
Lehman Aggregate Bond (35%), EuroSTOXX 50 (20%), and Russell 20000 (10%). (see
pdf)!!!
                     b.. 100% "upside" participation rate, 10% "downside"
participation rate. If the Index nets negative, Allianz pay's 10% of that figure
(i.e -10 % for DJIA your account receives 1% credit for that five year period or
10% if index gained +10%) See performance for this annuity
                     c.. No caps, no upfront fees
                     d.. Immediate access to free withdrawals of up to 10% of
premium paid per year
                     e.. Lump-sum access after 10 years, prior to that a
surrender charge will apply.
                     f.. Flexible income options including lifetime income
                   Another first from Allianz, the annuity that turns the FIA
world "upside-down" by offering indexed interest regardless of whether the
blended index is "up" or "down."

                   See the view from the summit. For more information, call
877.369.1889 or local 770 369 1889.

--------------------------------------------------------------






       As with all rates, participation rates are subject to change at any time.
Guaranteed minimum "upside" participation rate is 25%, the guaranteed minimum
"downside" participation rate is 5%.

       Guarantees are backed by the financial strength and claims-paying ability
of Allianz Life Insurance Company of North America.

       This is an insurance product and not an investment. This product does not
participate directly in the market or the index. It is not possible to invest
directly in an index.

       Not FDIC insured • May lose value • No bank or credit union guarantee •
Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

       Products are issued by:
       Allianz Life Insurance Company of North America
       5701 Golden Hills Drive, Minneapolis, MN 55416-1297

       Made available through

       FreedomTree Financial
       www.FreedomTreeFinancial.com
       info@...
       The FreedomTree Financial Group
       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       CONFIDENTIALITY NOTICE: The information in this e-mail may be confidential
and may be legally privileged. It is intended only for the use of the
individual(s) named above. If you are the intended recipient, be aware that your
use of any confidential or personal information may be restricted by state and
federal privacy laws. If you, the reader of this message, are not the intended
recipient, you are hereby notified that you should not further disseminate,
distribute, or forward this e-mail. If you have received this e-mail in error,
please notify the sender and delete the message. Thank you.


       Product availability and features may vary by state.

       EFIX-1059
      C52340
       (9/2008)






[Non-text portions of this message have been removed]

www.FreedomTreeFinancial.com
             To ensure delivery of our emails, please Add Us to your address
book. | To view this email as a web page, visit this link.

                   Turning the FIA world upside-down

                   www.FreedomTreeFinancial.com

                   How often do you find yourself in a "win-win" situation; where
it does't matter whether the outcome is good or bad, you benefit either way?

                   Introducing the Allianz Summit IISM Annuity, offering:

                     a.. Indexed interest for both positive and negative index
performance. In fact, the only way there wouldnt be an indexed interest credit
is if the blended index performance were exactly zero. This fixed annuity pays
credits based on the performance of the Dow Jones Industrial Average (35%),
Lehman Aggregate Bond (35%), EuroSTOXX 50 (20%), and Russell 20000 (10%). (see
pdf)!!!
                     b.. 100% "upside" participation rate, 10% "downside"
participation rate. If the Index nets negative, Allianz pay's 10% of that figure
(i.e -10 % for DJIA your account receives 1% credit for that five year period or
10% if index gained +10%) See performance for this annuity
                     c.. No caps, no upfront fees
                     d.. Immediate access to free withdrawals of up to 10% of
premium paid per year
                     e.. Lump-sum access after 10 years, prior to that a
surrender charge will apply.
                     f.. Flexible income options including lifetime income
                   Another first from Allianz, the annuity that turns the FIA
world "upside-down" by offering indexed interest regardless of whether the
blended index is "up" or "down."

                   See the view from the summit. For more information, call
877.369.1889 or local 770 369 1889.

--------------------------------------------------------------






       As with all rates, participation rates are subject to change at any time.
Guaranteed minimum "upside" participation rate is 25%, the guaranteed minimum
"downside" participation rate is 5%.

       Guarantees are backed by the financial strength and claims-paying ability
of Allianz Life Insurance Company of North America.

       This is an insurance product and not an investment. This product does not
participate directly in the market or the index. It is not possible to invest
directly in an index.

       Not FDIC insured • May lose value • No bank or credit union guarantee •
Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

       Products are issued by:
       Allianz Life Insurance Company of North America
       5701 Golden Hills Drive, Minneapolis, MN 55416-1297

       Made available through

       FreedomTree Financial
       www.FreedomTreeFinancial.com
       info@...
       The FreedomTree Financial Group
       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       CONFIDENTIALITY NOTICE: The information in this e-mail may be confidential
and may be legally privileged. It is intended only for the use of the
individual(s) named above. If you are the intended recipient, be aware that your
use of any confidential or personal information may be restricted by state and
federal privacy laws. If you, the reader of this message, are not the intended
recipient, you are hereby notified that you should not further disseminate,
distribute, or forward this e-mail. If you have received this e-mail in error,
please notify the sender and delete the message. Thank you.


       Product availability and features may vary by state.

       EFIX-1059
      C52340
       (9/2008)






[Non-text portions of this message have been removed]

www.FreedomTreeFinancial.com
             To ensure delivery of our emails, please Add Us to your address
book. | To view this email as a web page, visit this link.

                   Turning the FIA world upside-down

                   www.FreedomTreeFinancial.com

                   How often do you find yourself in a "win-win" situation; where
it does't matter whether the outcome is good or bad, you benefit either way?

                   Introducing the Allianz Summit IISM Annuity, offering:

                     a.. Indexed interest for both positive and negative index
performance. In fact, the only way there wouldnt be an indexed interest credit
is if the blended index performance were exactly zero. This fixed annuity pays
credits based on the performance of the Dow Jones Industrial Average (35%),
Lehman Aggregate Bond (35%), EuroSTOXX 50 (20%), and Russell 20000 (10%). (see
pdf)!!!
                     b.. 100% "upside" participation rate, 10% "downside"
participation rate. If the Index nets negative, Allianz pay's 10% of that figure
(i.e -10 % for DJIA your account receives 1% credit for that five year period or
10% if index gained +10%) See performance for this annuity
                     c.. No caps, no upfront fees
                     d.. Immediate access to free withdrawals of up to 10% of
premium paid per year
                     e.. Lump-sum access after 10 years, prior to that a
surrender charge will apply.
                     f.. Flexible income options including lifetime income
                   Another first from Allianz, the annuity that turns the FIA
world "upside-down" by offering indexed interest regardless of whether the
blended index is "up" or "down."

                   See the view from the summit. For more information, call
877.369.1889 or local 770 369 1889.

--------------------------------------------------------------






       As with all rates, participation rates are subject to change at any time.
Guaranteed minimum "upside" participation rate is 25%, the guaranteed minimum
"downside" participation rate is 5%.

       Guarantees are backed by the financial strength and claims-paying ability
of Allianz Life Insurance Company of North America.

       This is an insurance product and not an investment. This product does not
participate directly in the market or the index. It is not possible to invest
directly in an index.

       Not FDIC insured • May lose value • No bank or credit union guarantee •
Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

       Products are issued by:
       Allianz Life Insurance Company of North America
       5701 Golden Hills Drive, Minneapolis, MN 55416-1297

       Made available through

       FreedomTree Financial
       www.FreedomTreeFinancial.com
       info@...
       The FreedomTree Financial Group
       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       CONFIDENTIALITY NOTICE: The information in this e-mail may be confidential
and may be legally privileged. It is intended only for the use of the
individual(s) named above. If you are the intended recipient, be aware that your
use of any confidential or personal information may be restricted by state and
federal privacy laws. If you, the reader of this message, are not the intended
recipient, you are hereby notified that you should not further disseminate,
distribute, or forward this e-mail. If you have received this e-mail in error,
please notify the sender and delete the message. Thank you.


       Product availability and features may vary by state.

       EFIX-1059
      C52340
       (9/2008)






[Non-text portions of this message have been removed]

www.FreedomTreeFinancial.com
             To ensure delivery of our emails, please Add Us to your address
book. | To view this email as a web page, visit this link.

                   Turning the FIA world upside-down

                   www.FreedomTreeFinancial.com

                   How often do you find yourself in a "win-win" situation; where
it does't matter whether the outcome is good or bad, you benefit either way?

                   Introducing the Allianz Summit IISM Annuity, offering:

                     a.. Indexed interest for both positive and negative index
performance. In fact, the only way there wouldnt be an indexed interest credit
is if the blended index performance were exactly zero. This fixed annuity pays
credits interest based on the performance of the Dow Jones Industrial Average
(35%), Lehman Aggregate Bond (35%), EuroSTOXX 50 (20%), and Russell 20000 (10%).
(see pdf)!!!
                     b.. 100% "upside" participation rate, 10% "downside"
participation rate. If the Index negative, Allianz pay's 10% of that figure (i.e
-10 % for DJIA your account receives 1% credit for that five year period or 10%
each index gained +10%) See performance for this annuity
                     c.. No caps, no upfront fees
                     d.. Immediate access to free withdrawals of up to 10% of
premium paid per year
                     e.. Lump-sum access after 10 years, prior to that a
surrender charge will apply.
                     f.. Flexible income options including lifetime income
                   Another first from Allianz, the annuity that turns the FIA
world "upside-down" by offering indexed interest regardless of whether the
blended index is "up" or "down."

                   See the view from the summit. For more information, call
877.369.1889 or local 770 369 1889.

--------------------------------------------------------------






       As with all rates, participation rates are subject to change at any time.
Guaranteed minimum "upside" participation rate is 25%, the guaranteed minimum
"downside" participation rate is 5%.

       Guarantees are backed by the financial strength and claims-paying ability
of Allianz Life Insurance Company of North America.

       This is an insurance product and not an investment. This product does not
participate directly in the market or the index. It is not possible to invest
directly in an index.

       Not FDIC insured • May lose value • No bank or credit union guarantee •
Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

       Products are issued by:
       Allianz Life Insurance Company of North America
       5701 Golden Hills Drive, Minneapolis, MN 55416-1297

       Made available through

       FreedomTree Financial
       www.FreedomTreeFinancial.com
       info@...
       The FreedomTree Financial Group
       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       CONFIDENTIALITY NOTICE: The information in this e-mail may be confidential
and may be legally privileged. It is intended only for the use of the
individual(s) named above. If you are the intended recipient, be aware that your
use of any confidential or personal information may be restricted by state and
federal privacy laws. If you, the reader of this message, are not the intended
recipient, you are hereby notified that you should not further disseminate,
distribute, or forward this e-mail. If you have received this e-mail in error,
please notify the sender and delete the message. Thank you.


       Product availability and features may vary by state.

       EFIX-1059
      C52340
       (9/2008)




[Non-text portions of this message have been removed]

www.FreedomTreeFinancial.com
             To ensure delivery of our emails, please Add Us to your address
book. | To view this email as a web page, visit this link.

                   Turning the FIA world upside-down

                   www.FreedomTreeFinancial.com

                   How often do you find yourself in a "win-win" situation; where
it does't matter whether the outcome is good or bad, you benefit either way?

                   Introducing the Allianz Summit IISM Annuity, offering:

                     a.. Indexed interest for both positive and negative index
performance. In fact, the only way there wouldnt be an indexed interest credit
is if the blended index performance were exactly zero. This fixed annuity pays
credits interest based on the performance of the Dow Jones Industrial Average
(35%), Lehman Aggregate Bond (35%), EuroSTOXX 50 (20%), and Russell 20000 (10%).
(see pdf)!!!
                     b.. 100% "upside" participation rate, 10% "downside"
participation rate. If the Index negative, Allianz pay's 10% of that figure (i.e
-10 % for DJIA your account receives 1% credit for that five year period or 10%
each index gained +10%) See performance for this annuity
                     c.. No caps, no upfront fees
                     d.. Immediate access to free withdrawals of up to 10% of
premium paid per year
                     e.. Lump-sum access after 10 years, prior to that a
surrender charge will apply.
                     f.. Flexible income options including lifetime income
                   Another first from Allianz, the annuity that turns the FIA
world "upside-down" by offering indexed interest regardless of whether the
blended index is "up" or "down."

                   See the view from the summit. For more information, call
877.369.1889 or local 770 369 1889.

--------------------------------------------------------------






       As with all rates, participation rates are subject to change at any time.
Guaranteed minimum "upside" participation rate is 25%, the guaranteed minimum
"downside" participation rate is 5%.

       Guarantees are backed by the financial strength and claims-paying ability
of Allianz Life Insurance Company of North America.

       This is an insurance product and not an investment. This product does not
participate directly in the market or the index. It is not possible to invest
directly in an index.

       Not FDIC insured • May lose value • No bank or credit union guarantee •
Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

       Products are issued by:
       Allianz Life Insurance Company of North America
       5701 Golden Hills Drive, Minneapolis, MN 55416-1297

       Made available through

       FreedomTree Financial
       www.FreedomTreeFinancial.com
       info@...
       The FreedomTree Financial Group
       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       CONFIDENTIALITY NOTICE: The information in this e-mail may be confidential
and may be legally privileged. It is intended only for the use of the
individual(s) named above. If you are the intended recipient, be aware that your
use of any confidential or personal information may be restricted by state and
federal privacy laws. If you, the reader of this message, are not the intended
recipient, you are hereby notified that you should not further disseminate,
distribute, or forward this e-mail. If you have received this e-mail in error,
please notify the sender and delete the message. Thank you.


       Product availability and features may vary by state.

       EFIX-1059
      C52340
       (9/2008)




[Non-text portions of this message have been removed]

Getting Financial Services got easier
       To ensure delivery of our emails, please Add Us to your address book. | To
view this email as a web page, visit this link.

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             We're continuously working to offer the best services to you the
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             Towards a fair and balanced business argument-we lead with kindness,
respect for history, a pledge for the preservation of culture, review of
research, an understanding of ethics and law, sound economic practices and
truth.

             take a look at the most recent enhancements!

             Dear Reader:

             My name is Jermaine Spence, and I am a Financial sales consultant
with the FreedomTree Financial Group of Atlanta. I hope you take a moment to
browse the information below.

             An Atlanta -based operation, FreedomTree Financial assists
individuals and small businesses in obtaining financial products. With our award
winning trading platform, we have access to over 6000 stocks and funds as well
as retirement calculators and financial planning tools. Thanks for making us An
Investor's FirstChoice.

             Business and Institutional Services

             -Group Benefits


                    401k & Group Plans


                    Group Insurance offered through Blue Cross / Blue Shield ING,
MetLife and many others

             -Investment Banking

             -Voluntary Benefits are 100% employee-funded which are great for new
and growing companies!

             -Lending - Ask about lines of credit and merchant cash advance
programs

             Individuals

             -Investments


                    Individual Accounts, including IRA and 529's


                    Mutual Funds
                    Managed Money
                    Stock Trader Services

             -Insurance


                    Annuities


                    Life Insurance
                    Long-Term Care
                    Disability
                    Health

             We provide free comparison quotes to help you find the lowest cost
carrier!

             -Planning

                    Financial Planning

                    Estate Planning

             -Mortgages

                    Mortgages and Planning

             To contact a sales consultant visit
http://www.freedomtreefinancial.com TODAY!!!

             With All Best Wishes

             Your team at
             The FreedomTree Financial Group
             info@...
             The FreedomTree Financial Group
             Toll-free 1.877.369.1889 or locally +1 770 369 1889
             Fax ..678 490 2364


























       Mutual funds, variable annuities and variable life products may be offered
only to persons in the United States and by way of a prospectus. This website
should not be considered a solicitation or offering of any investment products
or services to investors residing outside of the United States.

       Financial sales consultant of and securities offered through FreedomTree
Mutual Funds and Asset Management, LLC. Insurance offered through FreedomTree
Financial. Mortgages and lending services offered through FreedomTree Mortgage &
Lending, An Equal Opportunity lender.

       FreedomTree Mutual Funds and Asset Management, LLC., FreedomTree Mortgage
and Lending, and FreedomTree Financial are fully owned by The FreedomTree
Financial Group .

       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       www.FreedomTreeFinancial.com

       CONFIDENTIALITY NOTICE:
       The information in this e-mail may be confidential and may be legally
privileged. It is intended only for the use of the individual(s) named above. If
you are the intended recipient, be aware that your use of any confidential or
personal information may be restricted by state and federal privacy laws. If
you, the reader of this message, are not the intended recipient, you are hereby
notified that you should not further disseminate, distribute, or forward this
e-mail. If you have received this e-mail in error, please notify the sender and
delete the message. Thank you.

       To ensure delivery of our emails, please Add Us to your address book. | To
unsubscribe, 1) PRESS REPLY and send a blank email or 2) send an email to
Unsubscribe. If option 2 is chosen, you must reference the email address or
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       YFX253 (5/2007)



[Non-text portions of this message have been removed]

Getting Financial Services got easier
       To ensure delivery of our emails, please Add Us to your address book. | To
view this email as a web page, visit this link.

               www.FreedomTreeFinancial.com

             We're continuously working to offer the best services to you the
client, our most valued asset...

             Towards a fair and balanced business argument-we lead with kindness,
respect for history, a pledge for the preservation of culture, review of
research, an understanding of ethics and law, sound economic practices and
truth.

             take a look at the most recent enhancements!

             Dear Reader:

             My name is Jermaine Spence, and I am a Financial sales consultant
with the FreedomTree Financial Group of Atlanta. I hope you take a moment to
browse the information below.

             An Atlanta -based operation, FreedomTree Financial assists
individuals and small businesses in obtaining financial products. With our award
winning trading platform, we have access to over 6000 stocks and funds as well
as retirement calculators and financial planning tools. Thanks for making us An
Investor's FirstChoice.

             Business and Institutional Services

             -Group Benefits


                    401k & Group Plans


                    Group Insurance offered through Blue Cross / Blue Shield ING,
MetLife and many others

             -Investment Banking

             -Voluntary Benefits are 100% employee-funded which are great for new
and growing companies!

             -Lending - Ask about lines of credit and merchant cash advance
programs

             Individuals

             -Investments


                    Individual Accounts, including IRA and 529's


                    Mutual Funds
                    Managed Money
                    Stock Trader Services

             -Insurance


                    Annuities


                    Life Insurance
                    Long-Term Care
                    Disability
                    Health

             We provide free comparison quotes to help you find the lowest cost
carrier!

             -Planning

                    Financial Planning

                    Estate Planning

             -Mortgages

                    Mortgages and Planning

             To contact a sales consultant visit
http://www.freedomtreefinancial.com TODAY!!!

             With All Best Wishes

             Your team at
             The FreedomTree Financial Group
             info@...
             The FreedomTree Financial Group
             Toll-free 1.877.369.1889 or locally +1 770 369 1889
             Fax ..678 490 2364


























       Mutual funds, variable annuities and variable life products may be offered
only to persons in the United States and by way of a prospectus. This website
should not be considered a solicitation or offering of any investment products
or services to investors residing outside of the United States.

       Financial sales consultant of and securities offered through FreedomTree
Mutual Funds and Asset Management, LLC. Insurance offered through FreedomTree
Financial. Mortgages and lending services offered through FreedomTree Mortgage &
Lending, An Equal Opportunity lender.

       FreedomTree Mutual Funds and Asset Management, LLC., FreedomTree Mortgage
and Lending, and FreedomTree Financial are fully owned by The FreedomTree
Financial Group .

       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       www.FreedomTreeFinancial.com

       CONFIDENTIALITY NOTICE:
       The information in this e-mail may be confidential and may be legally
privileged. It is intended only for the use of the individual(s) named above. If
you are the intended recipient, be aware that your use of any confidential or
personal information may be restricted by state and federal privacy laws. If
you, the reader of this message, are not the intended recipient, you are hereby
notified that you should not further disseminate, distribute, or forward this
e-mail. If you have received this e-mail in error, please notify the sender and
delete the message. Thank you.

       To ensure delivery of our emails, please Add Us to your address book. | To
unsubscribe, 1) PRESS REPLY and send a blank email or 2) send an email to
Unsubscribe. If option 2 is chosen, you must reference the email address or
group/listserv to which this advertisement was sent.

       YFX253 (5/2007)



[Non-text portions of this message have been removed]

Getting Financial Services got easier
       To ensure delivery of our emails, please Add Us to your address book. | To
view this email as a web page, visit this link.

               www.FreedomTreeFinancial.com

             We're continuously working to offer the best services to you the
client, our most valued asset...

             Towards a fair and balanced business argument-we lead with kindness,
respect for history, a pledge for the preservation of culture, review of
research, an understanding of ethics and law, sound economic practices and
truth.

             take a look at the most recent enhancements!

             Dear Reader:

             My name is Jermaine Spence, and I am a Financial sales consultant
with the FreedomTree Financial Group of Atlanta. I hope you take a moment to
browse the information below.

             An Atlanta -based operation, FreedomTree Financial assists
individuals and small businesses in obtaining financial products. With our award
winning trading platform, we have access to over 6000 stocks and funds as well
as retirement calculators and financial planning tools. Thanks for making us An
Investor's FirstChoice.

             Business and Institutional Services

             -Group Benefits


                    401k & Group Plans


                    Group Insurance offered through Blue Cross / Blue Shield ING,
MetLife and many others

             -Investment Banking

             -Voluntary Benefits are 100% employee-funded which are great for new
and growing companies!

             -Lending - Ask about lines of credit and merchant cash advance
programs

             Individuals

             -Investments


                    Individual Accounts, including IRA and 529's


                    Mutual Funds
                    Managed Money
                    Stock Trader Services

             -Insurance


                    Annuities


                    Life Insurance
                    Long-Term Care
                    Disability
                    Health

             We provide free comparison quotes to help you find the lowest cost
carrier!

             -Planning

                    Financial Planning

                    Estate Planning

             -Mortgages

                    Mortgages and Planning

             To contact a sales consultant visit
http://www.freedomtreefinancial.com TODAY!!!

             With All Best Wishes

             Your team at
             The FreedomTree Financial Group
             info@...
             The FreedomTree Financial Group
             Toll-free 1.877.369.1889 or locally +1 770 369 1889
             Fax ..678 490 2364


























       Mutual funds, variable annuities and variable life products may be offered
only to persons in the United States and by way of a prospectus. This website
should not be considered a solicitation or offering of any investment products
or services to investors residing outside of the United States.

       Financial sales consultant of and securities offered through FreedomTree
Mutual Funds and Asset Management, LLC. Insurance offered through FreedomTree
Financial. Mortgages and lending services offered through FreedomTree Mortgage &
Lending, An Equal Opportunity lender.

       FreedomTree Mutual Funds and Asset Management, LLC., FreedomTree Mortgage
and Lending, and FreedomTree Financial are fully owned by The FreedomTree
Financial Group .

       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       www.FreedomTreeFinancial.com

       CONFIDENTIALITY NOTICE:
       The information in this e-mail may be confidential and may be legally
privileged. It is intended only for the use of the individual(s) named above. If
you are the intended recipient, be aware that your use of any confidential or
personal information may be restricted by state and federal privacy laws. If
you, the reader of this message, are not the intended recipient, you are hereby
notified that you should not further disseminate, distribute, or forward this
e-mail. If you have received this e-mail in error, please notify the sender and
delete the message. Thank you.

       To ensure delivery of our emails, please Add Us to your address book. | To
unsubscribe, 1) PRESS REPLY and send a blank email or 2) send an email to
Unsubscribe. If option 2 is chosen, you must reference the email address or
group/listserv to which this advertisement was sent.

       YFX253 (5/2007)



[Non-text portions of this message have been removed]

Getting Financial Services got easier
       To ensure delivery of our emails, please Add Us to your address book. | To
view this email as a web page, visit this link.

               www.FreedomTreeFinancial.com

             We're continuously working to offer the best services to you the
client, our most valued asset...

             Towards a fair and balanced business argument-we lead with kindness,
respect for history, a pledge for the preservation of culture, review of
research, an understanding of ethics and law, sound economic practices and
truth.

             take a look at the most recent enhancements!

             Dear Reader:

             My name is Jermaine Spence, and I am a Financial sales consultant
with the FreedomTree Financial Group of Atlanta. I hope you take a moment to
browse the information below.

             An Atlanta -based operation, FreedomTree Financial assists
individuals and small businesses in obtaining financial products. With our award
winning trading platform, we have access to over 6000 stocks and funds as well
as retirement calculators and financial planning tools. Thanks for making us An
Investor's FirstChoice.

             Business and Institutional Services

             -Group Benefits


                    401k & Group Plans


                    Group Insurance offered through Blue Cross / Blue Shield ING,
MetLife and many others

             -Investment Banking

             -Voluntary Benefits are 100% employee-funded which are great for new
and growing companies!

             -Lending - Ask about lines of credit and merchant cash advance
programs

             Individuals

             -Investments


                    Individual Accounts, including IRA and 529's


                    Mutual Funds
                    Managed Money
                    Stock Trader Services

             -Insurance


                    Annuities


                    Life Insurance
                    Long-Term Care
                    Disability
                    Health

             We provide free comparison quotes to help you find the lowest cost
carrier!

             -Planning

                    Financial Planning

                    Estate Planning

             -Mortgages

                    Mortgages and Planning

             To contact an sales consultant visit
http://www.freedomtreefinancial.com TODAY!!!

             With All Best Wishes

             Your team at
             The FreedomTree Financial Group
             info@...
             The FreedomTree Financial Group
             Toll-free 1.877.369.1889 or locally +1 770 369 1889
             Fax ..678 490 2364


























       Mutual funds, variable annuities and variable life products may be offered
only to persons in the United States and by way of a prospectus. This website
should not be considered a solicitation or offering of any investment products
or services to investors residing outside of the United States.

       Financial sales consultant of and securities offered through FreedomTree
Mutual Funds and Asset Management, LLC. Mortgages and lending services offered
through FreedomTree Mortgage & Lending, An Equal Opportunity lender.

       FreedomTree Mutual Funds and Asset Management, LLC., FreedomTree Mortgage
and Lending, and FreedomTree Financial are fully owned by The FreedomTree
Financial Group of Spence-Lingo & Company, Ltd.

       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       www.FreedomTreeFinancial.com

       CONFIDENTIALITY NOTICE:
       The information in this e-mail may be confidential and may be legally
privileged. It is intended only for the use of the individual(s) named above. If
you are the intended recipient, be aware that your use of any confidential or
personal information may be restricted by state and federal privacy laws. If
you, the reader of this message, are not the intended recipient, you are hereby
notified that you should not further disseminate, distribute, or forward this
e-mail. If you have received this e-mail in error, please notify the sender and
delete the message. Thank you.

       To ensure delivery of our emails, please Add Us to your address book. | To
unsubscribe, 1) PRESS REPLY and send a blank email or 2) send an email to
Unsubscribe. If option 2 is chosen, you must reference the email address or
group/listserv to which this advertisement was sent.

       YFX253 (5/2007)



[Non-text portions of this message have been removed]

Getting Financial Services got easier
       To ensure delivery of our emails, please Add Us to your address book. | To
view this email as a web page, visit this link.

               www.FreedomTreeFinancial.com

             We're continuously working to offer the best services to you the
client, our most valued asset...

             take a look at the most recent enhancements!

             Dear Reader:

             My name is Jermaine Spence, and I am a Financial sales consultant
with the FreedomTree Financial Group of Atlanta. I hope you take a moment to
browse the information below.

             An Atlanta -based operation, FreedomTree Financial assists
individuals and small businesses in obtaining financial products. With our award
winning trading platform, we have access to over 6000 stocks and funds as well
as retirement calculators and financial planning tools. Thanks for making us An
Investor's FirstChoice.

             Business and Institutional Services

             -Group Benefits


                    401k & Group Plans


                    Group Insurance offered through Blue Cross / Blue Shield ING,
MetLife and many others

             -Investment Banking

             -Voluntary Benefits are 100% employee-funded which are great for new
and growing companies!

             -Lending - Ask about lines of credit and merchant cash advance
programs

             Individuals

             -Investments


                    Individual Accounts, including IRA and 529's


                    Mutual Funds
                    Managed Money
                    Stock Trader Services

             -Insurance


                    Annuities


                    Life Insurance
                    Long-Term Care
                    Disability
                    Health

               We provide free comparison quotes to help you find the lowest cost
carrier!

             -Planning

                    Financial Planning

                    Estate Planning

             -Mortgages

                    Mortgages and Planning

             To contact an sales consultant visit
http://www.freedomtreefinancial.com TODAY!!!

             With All Best Wishes

             Your team at
             The FreedomTree Financial Group
             info@...
             The FreedomTree Financial Group
             Toll-free 1.877.369.1889 or locally +1 770 369 1889
             Fax ..678 490 2364

























       Mutual funds, variable annuities and variable life products may be offered
only to persons in the United States and by way of a prospectus. This website
should not be considered a solicitation or offering of any investment products
or services to investors residing outside of the United States.

       Financial sales consultant of and securities offered through FreedomTree
Mutual Funds and Asset Management, LLC. Mortgages and lending services offered
through FreedomTree Mortgage & Lending, An Equal Opportunity lender.

       FreedomTree Mutual Funds and Asset Management, LLC., FreedomTree Mortgage
and Lending, and FreedomTree Financial are fully owned by The FreedomTree
Financial Group of Spence-Lingo & Company, Ltd.

       Toll-free 1.877.369.1889 or locally +1 770 369 1889

       www.FreedomTreeFinancial.com

       CONFIDENTIALITY NOTICE:
       The information in this e-mail may be confidential and may be legally
privileged. It is intended only for the use of the individual(s) named above. If
you are the intended recipient, be aware that your use of any confidential or
personal information may be restricted by state and federal privacy laws. If
you, the reader of this message, are not the intended recipient, you are hereby
notified that you should not further disseminate, distribute, or forward this
e-mail. If you have received this e-mail in error, please notify the sender and
delete the message. Thank you.

       To ensure delivery of our emails, please Add Us to your address book. | To
unsubscribe, 1) PRESS REPLY and send a blank email or 2) send an email to
Unsubscribe. If option 2 is chosen, you must reference the email address or
group/listserv to which this advertisement was sent.

       YFX253 (5/2007)



[Non-text portions of this message have been removed]

Open your account today 877.369.1889!!!

                   Account Transfer Form - New Account Form1 - or toll-free
877.369.1889/+1770.369.1889








             1 ALL ACCOUNT APPLICATIONS MUST INCLUDE ORIGINAL SIGNATURES AND BE
MAILED TO P.O. BOX 4421 Atlanta, GA 30302. TO FUND YOUR ACCOUNT VIA ACH DEPOSITS
or CHECK PLEASE CALL 877.369.1889 or +1.770.369.1889.

             www.FreedomTreeFinancial.com or Complete your application

             This email can be viewed as a webpage.



[Non-text portions of this message have been removed]

hi,
I am trying to locate BE-16 by Beverly Johnson frames.
See photo in group photo area.
Please contact me if you have them.
Thanks
barbara.mcmullen@...

Open your account today 877.369.1889!!!

                   Account Transfer Form - New Account Form1 - or toll-free
877.369.1889/+1770.369.1889








             1 ALL ACCOUNT APPLICATIONS MUST INCLUDE ORIGINAL SIGNATURES AND BE
MAILED TO P.O. BOX 4421 Atlanta, GA 30302. TO FUND YOUR ACCOUNT VIA ACH DEPOSITS
or CHECK PLEASE CALL 877.369.1889 or +1.770.369.1889.

             www.FreedomTreeFinancial.com or Complete your application

             This email can be viewed as a webpage.



[Non-text portions of this message have been removed]

To all ODs & Eye Care professionals and other medical folks….  We really do need
your help in Feb !!  Look at Cheryl’s note below that shows how few medical
people we have signed up (we need about 95 - 100 people).  If you or a colleague
can go this time, we would appreciate getting your application soon.   Without
you we may have to cancel a team. Besides the 6 clinic and 2 surgery teams, we
want to have 2 or 3 eye teams, minimum.  Call or e-mail us if you need to.  If
you recently sent in your application, Thanks !!  (applications at:
www.IHSofMN.org)
 
After the deadline (1 Oct) we will only take applications for teams that have
empty positions. Note attachements!
 
John K
320-634-4386

--- On Thu, 9/4/08, Cheryl Schraeder <cschraeder@...> wrote:

Here is where we are for February... if you or someone you know is thinking of
going... please send in those applications.   That October 1 deadline will be
here before you know it.   We are at 26 days away from the deadline.


 
We have 35 applications which include the following:
    1  -  CRNA
    3  -  Dentists
    1  -  MD - Urology surgeon
    4  -  Pharmacists
    2  -  Nurses (1 OR)
    2  -  Translators
 
There are several general helpers and radio folks.
 
Just an FYI  -  David Ashby has requested a work team for Helping Honduras Kids,
too.
 
Cheryl
 
Cheryl Schraeder
(952) 996-0977
cschraeder@...




[Non-text portions of this message have been removed]

Open your account today 877.369.1889!!!

                   Account Transfer Form - New Account Form1 - or toll-free
877.369.1889/+1770.369.1889








             1 ALL ACCOUNT APPLICATIONS MUST INCLUDE ORIGINAL SIGNATURES AND BE
MAILED TO P.O. BOX 4421 Atlanta, GA 30302. TO FUND YOUR ACCOUNT VIA ACH DEPOSITS
or CHECK PLEASE CALL 877.369.1889 or +1.770.369.1889.

             www.FreedomTreeFinancial.com or Complete your application

             This email can be viewed as a webpage.



[Non-text portions of this message have been removed]

Hello,
I have found a website, where Doctor, Physician and Nurse Jobs available.

http://www.thecertifications.com/DoctorJobs


Regards,
Kate

I would like to invite you to join my circle of frends,Check my album here:
http://clarkdsey.zoomshare.com/files/album.htm

If you are wondering about the idea of going to Honduras to help do eye care and
glasses, read this story to the end! (See team map, too)
***************************************
 
Eye Care In PUERTO LEMPIRA, HONDURAS
by Matt Gifford, Optometrist

I found out about IHS (International Health Services) through E-bay. That's
right-E-bay.  I am an optometrist living in Chicago and I had some old
optometric instruments to sell.  A gentleman named Charlie Brown asked me if the
equipment was in good enough working condition for a clinic in Honduras.   I
told him it was and asked if there was a need for a volunteer optometrist.  Four
months later my team was in PLP (Puerto Lempira), Honduras seeing 90 patients a
day!  The work was grueling but extremely gratifying.
 
The eye team consisted of me and five other IHS volunteers, as well as 3 local
translators who willingly volunteered their time all day for two weeks.  We set
up our eye clinic in a defunct discotheque.  We borrowed electricity from the
next door neighbor by using several long extension cords hoisted over the fence,
which worked out quite well.
 
Our living quarters were at a nearby church building.  The large dorm type room
was modest but comfy with rows of beds and a room where we were served home
cooked type meals that were actually very good.  These facilities were shared by
all the members of our eye team as well as the IHS surgery team who did their
work at the local hospital.  At the end of each day we had a chance to sit
around and swap individual stories about the day¢s work, as well as discuss with
one another how to make the next day better for our patients.  I was thankful to
be taken under the wing of veteran IHS volunteers like John and Karen Kirckof,
John Pope, Drew Mathews, Jack Riordan, John Wagner, Dr. Rod Brown, Jim and JoAnn
Prater, as well as all of the others who made me feel like a welcome part of the
team (Jane, Dick, Emiley, Diana, and Ricardito).
 
Each morning and everyday after lunch we were met at our "Optica del Discoteque"
by at least 30 waiting patients.  Our assessment team methodically took charge
of the patients to give each a good evaluation.  We met some that had walked for
two days to get there!  The need for routine eye care was very apparent.  It was
amazing and inspiring to see the thousands of eyeglasses donated by the Lions
club "in action" at our little hub.  We ended up seeing about 750 patients and
giving out 1100 pairs of glasses.  For those who needed surgery, we had a
referral system worked out with Dr. Ponce who came to Puerto Lempira from La
Ceiba after we left.  Thanks to him, his wife, and Dr. Marianne Serkland, 13
surgeries were performed from our referral base.
 
I am very grateful to have formed close relationships with all of the wonderful
and gracious people on the IHS team.  We may come from different parts of the
globe and different backgrounds, but we all have one thing in common: a desire
to help as many people as we can.   Meeting the IHS volunteers and seeing the
grateful look on all of the faces of the people we helped made traveling to
Honduras the most rewarding experience-clinical or otherwise-that I have had.
M.G.
 
Contact info:
John Kirckof
IHS Board of Dir.
320-634-4386
JMKKEK@...
 
Matt Gifford, Optometrist
312-432-1890

Important note!:  Teams are being formed right now for the Feb, 2009 medical
trip.  There are many openings for you, spouses, & friends to go.




[Non-text portions of this message have been removed]