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Business: Worldwide Financial Holdings, Inc.
OTC BB Symbol (Pink Sheets): WWFI
Common Shares Outstanding: 2.2 Million
Float : 1.5 million of which most in our opinion is very tightly held

972 N. 1430 W.
Orem, UT 84057
USA
Phone: [phone]
Company Website: " http://www.synergyworldwide.net "

PROFILE: http://www.stoxfiles.com/wwfi.htm
Considerations
Based on the recent interview with Kevin Griffith of WWFI, we feel
confident that he is an experienced and goal oriented business man. WWFI
just announced late last week their new focus is in the Wireless
Technology arena. WWFI's goal will be to stay under the radar and be the
rural communities "highspeed" access of choice. While the big boys compete
and continue to grab the large market, WWFI will slowly peck away at the
smaller market. When the "big boys" are done with capturing their large
market or phase 1 of their marketing efforts, then will then attempt phase
2 which is the rural or small communities. This is where WWFI will have
the upper hand and hopefully a large enough piece of the "pie" that they
have something of value or to bargain with the larger competitors. Just
because a person or business is located on the outskirts of a city area,
it should not mean they can't have access to high speed internet. With
competitive prices and great service...WWFI will focus on making rural
America happy.

About the Company:

Worldwide Financial Holdings, Inc. is a holding company, incorporated
under the laws of the State of Delaware in June 1988 as Zephyr Associates,
Inc. Zephyr became a Nevada corporation in June 1999 and changed its name
to Worldwide Financial Holdings, Inc. Effective September1999, Worldwide
acquired all of the outstanding equity ownership of Synergy Worldwide,
Inc., a Utah corporation. Except for periods prior to 1991, Zephyrhad no
material operations until its acquisition of Synergy.

The transaction between Synergy Worldwide, Inc. and the publicly traded
company involved the following elements:

*** The owners of Synergy Worldwide transferred to the publicly traded
company all of their interests in Synergy Worldwide, which resulted in
Synergy Worldwide becoming a wholly-owned subsidiary of the publicly
traded company;
*** The publicly traded company issued 7,200,000shares of its common
stock to the former owners of Synergy Worldwide, which resulted in these
persons owning approximately 60% of the common stock of the publicly
traded company outstanding upon completion of the transaction; and
*** The management of Synergy Worldwide became themanagement of the
publicly traded company.
For accounting and other financial reportingpurposes, the combination of
Synergy Worldwide with the publicly traded company has been treated as an
" reverse merger. " Under this treatment:
*** The post-combination company has been treatedas a continuation of
Synergy Worldwide rather than a continuation of the publicly traded
company; and
*** The transaction has been treated as the issuance of common stock
in Synergy Worldwide for the net monetary assets ofthe publicly traded
company accompanied by a recapitalization. In view of the foregoing, the
financial statements for Worldwide do not include the results of the
publicly traded company for any period prior to the combination.

On June 1, 1999, the former board of directors of Worldwide authorized a
1000-to-1 reverse stock split, and on or about July1, 1999 authorized an
additional 2-to-1 reverse stock split. All information in this disclosure
document gives retroactive effect to these stock splits.

About Synergy Worldwide Inc.
Synergy Worldwide, Inc. is a Utah corporation established in March 1999.
It is a direct marketing company involved in the distribution and sale of
high quality nutritional, personal care and other products. Synergy was
founded in 1999 for the purpose of creating, developing and expanding
direct marketing businesses internationally, with an initial emphasis on
Japan. Synergy's founders had extensive experience in the direct marketing
industry, and especially the international aspects thereof, having
developed and expanded similar businesses in Japan, the United States,
Russia and other republics of the former Soviet Union.
Synergy's founders made a decision to introduce their own branded products
to be distributed through its sales network rather than continue working
through other distributors and companies. Synergy's product philosophy has
been to introduce its own branded products, using contract manufacturers,
and innovative products that are specifically designed for a network
marketing distribution channel. We commenced operations in Japan in March
of 1999, in South Korea in May of 2000, in Taiwan in June of 2000, and in
Hong Kong in July of 2000. As of July 1, 2000, we have approximately
26,000independent distributors, of which approximately 15,000 are in Japan.


News Release 12-14-00

WorldWide Financial Holdings Announces Focus on Wireless Technology

December 14, 2000
OREM, Utah, Dec 14, 2000 /PRNewswire via COMTEX/ -- After identifying
and
evaluating potential business prospects, acquisitions, and/or mergers,
WorldWide Financial Holdings, Inc. (OTC: WWFI) today announced that it has
identified the application and use of cutting-edge technology available in
the field of wireless data products as part of its ongoing effort to
promote the opportunities and future interests of the company.
Initial research into the wireless data products arena has identified
specifications that the company anticipates will result in the deployment
of a direct sequence spread spectrum radio that will operate in the
licensed free band of the frequency spectrum. The anticipated data
throughput of such a system will provide significant speed increases for
those living in markets that are presently underserved by existing
products and service providers.
Specifically, this defined technology implementation calls for high
reliability, over greater distances, with superior capabilities in
multi-path resolution by the receiver, and antenna technology selection
presently unavailable in prospective markets. The company anticipates
implementing standard network interfaces within the planned radio for
adaptation into current network protocols and Internet applications.
In addition, WWFI anticipates that it will be able to deploy and obtain a
greater level of integration within its planned technology solution so as
to support data throughput speeds that are significantly higher than
generally available in underserved markets.
WWFI also understands that the technology deployed in such a system
must
be user-friendly, with Internet-based communications protocols integrated
so as to be transparent to end-users. Durability and immunity to adverse
environmental conditions for both the radio and antenna will also be
significant factors in the design and deployment of such a system.
In connection with its new focus, WWFI has identified and targeted
potential key members of an executive team, strategic advisory board and
new board members with significant experience in relevant industries to
help drive the future success of the company.
Further information pertaining to WWFI's future plans, technology, and
executive management will be forthcoming. For additional information on
today's announcement, interested parties are invited to contact Dan
Higginson at WorldWide Financial Holdings, Inc. at 801-431-7600.
Note: This news release may include statements which constitute
forward-looking statements. Please be cautioned that any such
forward-looking statements are not guarantees of future performance and
involve significant risks and uncertainties. Actual results may vary
materially from those in the forward-looking statements.

SOURCE WorldWide Financial Holdings, Inc.

CONTACT: Dan Higginson of WorldWide Financial Holdings, Inc.,
801-431-7600 (WWFI)
========================================================
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