| 
  The 
                  International Drug Development Association's 
                  'Pay-As-You-Use' Credit System.
 
 'PAY-AS-YOU-USE'
 BONUS PRE-PAYMENT 
                  GROWTH SYSTEM
 for multiple small purchases
  Ever 
                  wanted to buy drug development know-how or state-of-the-art 
                  innovative or generic data on a regular basis but have been 
                  put off by membership fees, contracts, and the high cost of 
                  making small know-how transactions using international credit 
                  cards or bank checks?
 PAY-AS-YOU-USE is designed for regular clients, subscribers 
                  or users who make small monthly purchases in the region of $100 
                  to $500, and wish to save the high administrative costs of multiple 
                  credit card transactions. It is also designed for large purchases 
                  giving up to 50% added value to your purchase.
 
 PAY-AS-YOU-USE service is 
                  like an electronic telephone card, allowing you to 'Save-as-you-Pay'. 
                  You buy your credit and use it on small purchases over an unlimited 
                  period of time.
 You can purchase various 
                  levels, either $500 ; $750 or $1000 of e-credit. Your actual 
                  purchase value in goods grows to $550 ; $825 or $1100 respectively.
 or
 $5000 ; $10 000 or $15 000 of e-credit. Your actual purchase 
                  value in goods grows to $5500 ; $12 000 or $20 000 respectively. 
                  Larger prepayment amounts and extra value up to 50% bonus may 
                  be obtained by contacting IAGIM Association
  PAY-AS-YOU-USE 
                  is a surprisingly easy way to get your own drug development 
                  know-how quickly and rapidly Online in electronic PDF format. 
                  What's more it puts you in total control of what you want to 
                  spend and when you want to spend it!
 There's no contract to 
                  sign, no monthly bills or statements and no commitment. Everything 
                  is controlled in one simple electronic credit - It is designed 
                  to buy many small technology items over a long period for regular 
                  online clients. It cannot be used for purchases over $250.
 
 HOW DOES IT WORK?
 PAY-AS-YOU-USE puts you in control of how much you spend. Just 
                  pay for technology development, data, SOPs, protocols, assays 
                  or publications by buying credit points or future top-ups.
 To make life even easier 
                  you can choose to top-up over our 24 hour e-mail HOTLINE.
 
                   
                    | STEP 
                        1. | Fax 
                        or e-mail - Name, Cedit Card number & Expiry date 
                        on company letterhead. State your credit maximum required 
                        (either $500, $750 or $1000 etc.) For larger amounts use 
                        a check. |   
                    |  |  |   
                    | STEP 
                        2. | IAGIM 
                        faxes you your Pay-As-You-Use number and your purchasing 
                        credit immediately grows by an extra 10% - 33% - 50% in 
                        added bonus value.  |   
                    |  |  |   
                    | STEP 
                        3. | Purchase 
                        your requirement for immediate electronic PDF delivery. 
                        That's all - and top-up your credit anytime when it is 
                        used up.
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                   Designed for the purchase of any 
                    Drug Development Data or Locum International Publication (Print 
                    & Electronic) between $500 and $15 000 for regular customers.
 
 Purchase credit amount in advance and obtain extra bonus value.The 
                    more you purchase the greater the extra value. Receive up 
                    to a maximum of 50% additional purchasing power.
 
 Allows you to purchase just one minor item (say a $50 SOP) 
                    or a major CMC without the expense of preparing international 
                    checks or credit card hassles. thus avoiding administrative 
                    costs and obtaining up to 50% in additional R&D value.
 
 Unused credit is valid indefinitely and fully transferable 
                    to any local or overseas company.
 
 
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