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Business Plan for Stucco Tiles

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This Business Plan for a Stucco Tiles company allows entrepreneurs or business owners to create a comprehensive and professional business plan. This template form allows a business to outline the company's objectives and detail both current company information as well as any past performance. Companies should include a complete market analysis in their plan to help showcase why their business strategy will be effective in the market. Future company plans, including production targets, management strategy, and financial forecasting, should be used to demonstrate and confirm that the company's short-term and long-term objective can and will be met. This model plan can be customized to best fit the unique needs of any entrepreneur or owner that is seeking to create a strong business plan.

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									Business Plan for Stucco
Tiles
This Business Plan for a Stucco Tiles company allows entrepreneurs or business
owners to create a comprehensive and professional business plan. This template form
allows a business to outline the company's objectives and detail both current company
information as well as any past performance. Companies should include a complete
market analysis in their plan to help showcase why their business strategy will be
effective in the market. Future company plans, including production targets,
management strategy, and financial forecasting, should be used to demonstrate and
confirm that the company's short-term and long-term objective can and will be met. This
model plan can be customized to best fit the unique needs of any entrepreneur or owner
that is seeking to create a strong business plan.
                                   [Insert Image/logo]




                         Company name
                       Address/contact info



                                BUSINESS PLAN




© Copyright 2012 Docstoc Inc.                            1
                                                       Confidentiality Agreement

The undersigned reader acknowledges that the information provided by COMPANY NAME in this business plan is confidential; therefore,
reader agrees not to disclose it without the express written permission of COMPANY NAME.

It is acknowledged by reader that information to be furnished in this business plan is in all respects confidential in nature, other than
information which is in the public domain through other means and that any disclosure or use of same by reader may cause serious harm
or damage to COMPANY NAME.

Upon request, this document is to be immediately returned to COMPANY NAME.




___________________
Signature

___________________
Name (typed or printed)

___________________
Date

                                    This is a business plan. It does not imply an offering of securities.




© Copyright 2012 Docstoc Inc.                                                                                   2
                                                                        Table of Contents



1.0 Executive Summary................................................................................................................................................1
   1.1 Objectives ..........................................................................................................................................................1
   1.2 Mission...............................................................................................................................................................1
   1.3 Keys to Success.................................................................................................................................................1
2.0 Company Summary................................................................................................................................................2
   2.1 Company Ownership..........................................................................................................................................2
   2.2 Company History................................................................................................................................................2
      Table: Past Performance .....................................................................................................................................3
3.0 Services..................................................................................................................................................................4
4.0 Market Analysis Summary......................................................................................................................................5
   4.1 Market Segmentation .........................................................................................................................................5
      Table: Market Analysis ........................................................................................................................................6
   4.2 Target Market Segment Strategy .......................................................................................................................7
   4.3 Service Business Analysis .................................................................................................................................7
      4.3.1 Competition and Buying Patterns ...............................................................................................................7
5.0 Strategy and Implementation Summary .................................................................................................................7
   5.1 Competitive Edge...............................................................................................................................................8
   5.2 Marketing Strategy .............................................................................................................................................8
   5.3 Sales Strategy....................................................................................................................................................9
      5.3.1 Sales Forecast............................................................................................................................................9
         Table: Sales Forecast .....................................................................................................................................9
   5.4 Milestones........................................................................................................................................................11
      Table: Milestones...............................................................................................................................................11
6.0 Management Summary ........................................................................................................................................12
   6.1 Personnel Plan.................................................................................................................................................12
      Table: Personnel................................................................................................................................................12
7.0 Financial Plan.......................................................................................................................................................12
   7.1 Important Assumptions ....................................................................................................................................12
   7.2 Break-even Analysis ........................................................................................................................................12
      Table: Break-even Analysis ...............................................................................................................................13
   7.3 Projected Profit and Loss .................................................................................................................................14
      Table: Profit and Loss........................................................................................................................................14
   7.4 Projected Cash Flow ........................................................................................................................................17
      Table: Cash Flow...............................................................................................................................................17
   7.5     Projected Balance Sheet............................................................................................................................19
      Table: Balance Sheet ........................................................................................................................................19
   7.6 Business Ratios ...............................................................................................................................................21
      Table: Ratios......................................................................................................................................................21
Table: Sales Forecast...................................................................................................................................................1
Table: Personnel ..........................................................................................................................................................2
Table: Profit and Loss...................................................................................................................................................3
Table: Cash Flow..........................................................................................................................................................4
Table: Balance Sheet ...................................................................................................................................................5




                                                                                                                                                                   Page 1
                                                                            COMPANY NAME          2010


1.0 Executive Summary

    COMPANY NAME is a small size construction company. Over the past five years Stucco Stone Tile, Inc has been on the forefront of
    interior and exterior finishes, servicing across Idaho State. Utilizing a small size company it employs on average ten employees. The
    company's specialties include total finish detail such as stucco, EIFIS, tile, decorative stone, composite decking and more.
    COMPANY NAME plans to develop into the leading formwork-service provider for providing interior and exterior finish services.

    The purpose of this plan is to attain grant funding in the amount of $500,000 to upgrade equipment, hire new employees and launch a
    large scale advertising campaign.



                                        Highlights
      $1,400,000


      $1,200,000


      $1,000,000

                                                                                                   Sales
        $800,000
                                                                                                   Gross Margin
        $600,000                                                                                   Net Profit

        $400,000


        $200,000


                 $0
                           2010                    2011                   2012



1.1 Objectives

    COMPANY NAME. has the following objectives:

        Sales of $981,000 in 2011 and $1,324,688 in 2012

        Double current market share from 3% to 6% by 2012

        Diversify current marketing strategy to include radio ads, mailers, and a greater web presence

1.2 Mission

    The mission of COMPANY NAME is to become the leading contractor by providing the best quality services. Along with efficiently
    increasing and fairly serving the needs of its customers, COMPANY NAME seeks to accomplish this in the manner that contributes to
    the development and growth of its' employees and to the goals of locations and communities it operates.

1.3 Keys to Success

    1. Unparalleled service with a quick turnaround time

    2. Superior products
                                                                                                          COMPANY NAME        1
                                                                            COMPANY NAME          2010



    3. Competitive pricing

    4. Maintaining an exceptional track record and customer satisfaction

2.0 Company Summary

    COMPANY NAME is a small size construction company. Over the past five years COMPANY NAME has been on the forefront of
    interior and exterior finishes servicing clients across the State of Idaho. Utilizing a small size company, it employs on average ten
    employees. The employees' specialties include total finish detail such as stucco, EIFIS, tile, decorative stone, composite decking and
    more. The company plans to develop into the leading formwork-service provider for providing interior and exterior finish services.

    COMPANY NAME prides their ability to meet the latest innovative architectural designs and concept demands. The combined fifteen
    years of skills, knowledge and available resources and reputation for customer satisfaction makes COMPANY NAME the preferred
    support to contractor.

2.1 Company Ownership

    COMPANY NAME is an S-Corp with 100% ownership belonging to INSERT NAME.

2.2 Company History

    Over the past five years, COMPANY NAME has been on the forefront of interior and exterior finishes, servicing across Treasure
    Valley. The company is detail such as stucco, EIFS, tile, decorative stone, pre-cast, GFRC, fireproofing and fire caulking, composite
    decking, exterior sealants, joint caulking, waterproofing-above and below grade, flashings (including metal) and more.

    COMPANY NAME prides themselves in it’s' ability to meet the latest innovative architectural designs and concepts. The
    company's combined fifteen years of skills, knowledge, available resources and a reputation for customer satisfaction makes
    COMPANY NAME the preferred support to contractors.

    COMPANY NAME is proud of the company's reputation for quality and craftsmanship, a reputation that makes COMPANY NAME a
    trusted partner in today's construction industry. COMPANY NAME has become the leader in finish construction. The company would
    like the opportunity to apply its' experience, estimating, value engineering and quality workmanship on client's upcoming projects and
    look forward to a strong working relationship with new general contractors and owners.




                                                                                                         COMPANY NAME         2
                                                  COMPANY NAME   2010


Table: Past Performance

Past Performance
                                                  2007            2008              2009
Sales                                       $1,125,832      $1,120,262          $899,145
Gross Margin                                  $424,136        $439,774          $528,285
Gross Margin %                                 37.67%          39.26%            58.75%
Operating Expenses                            $920,435      $1,194,609          $835,620

Balance Sheet
                                                 2007            2008              2009

Current Assets
Cash                                          $69,834         $33,848                 $0
Other Current Assets                         $155,785        $155,785           $155,785
Total Current Assets                         $225,619        $189,633           $155,785

Long-term Assets
Long-term Assets                             $207,956        $222,314           $275,429
Accumulated Depreciation                       $5,600         $17,575             $9,638
Total Long-term Assets                       $202,356        $204,739           $265,791

Total Assets                                 $427,975        $394,372           $421,576

Current Liabilities
Accounts Payable                                   $0              $0                 $0
Current Borrowing                             $10,835        $108,241            $30,251
Other Current Liabilities (interest free)          $0              $0                 $0

Total Current Liabilities                     $10,835        $108,241            $30,251

Long-term Liabilities                        $117,689        $116,228           $112,155
Total Liabilities                            $128,524        $224,469           $142,406

Paid-in Capital                               $91,013         $35,761            $35,761
Retained Earnings                             $45,153         $56,846           $165,815
Earnings                                     $163,285         $77,296            $77,594
Total Capital                                $299,451        $169,903           $279,170

Total Capital and Liabilities                $427,975        $394,372           $421,576

Other Inputs
Payment Days                                       30              30                30




                                                                         COMPANY NAME      3
                                                                             COMPANY NAME          2010



                                       Past Performance
      $1,200,000


      $1,000,000


         $800,000
                                                                                                            Sales

         $600,000
                                                                                                            Gross

                                                                                                            Net
         $400,000


         $200,000


               $0
                             2007                      2008                      2009



3.0 Services

    COMPANY NAME provides services in the creation of high quality interior and exterior works such as:

Stucco                                     Stone                                        Tile (granite, ceramic, marble,
                                                                                        travertine)
Two coat system stucco                     Fireplace (inside, outside)                  Showers
Three coat system stucco                   Stone design                                 Kitchens
EFISE                                      Walls                                        Backsplash
Foam Detail                                Post light                                   Flooring
Two Color Coat                             Post boxes                                   Outside
Painting Stucco                                                                         Bathrooms
Texture Design                                                                          Counters


    COMPANY NAME offers major advances and complete adaptability, high strength-to-weight ratio, and all at cost-effective prices.
    Accident prevention is the cornerstone of the company's safety commitment. The company strives to eliminate foreseeable hazards
    which could result in personal injury or illness. COMPANY NAME focuses on health and safety and neither will be compromised for
    the cost or convenience. The company operates into two market segments. All the following products that COMPANY NAME offers
    apply to both marketing segment residential and commercial;

    Hard Coat Stucco: As an exterior cladding, stucco is cost-effective and tough enough to resist damage. That inherent toughness is
    beautifully complemented by the variety of colors and textures available. Color is determined by selecting cement and aggregate
    color, and quite often modified by adding mineral oxide pigments to the plaster mix. White Portland cement makes it possible to
    achieve the widest range of colors for the stucco finish, including bright white. Factory-prepared finish coat products, which are
    available in many areas, often contain white cement. These pre-pigmented, packaged cements offer ease of use for achieving the
    desired stucco color, but it’s also possible to add pre weighed mineral oxide pigments to the finish coat stucco during mixing.

    Stucco EFIS: Stucco E.I.F.S. is the exterior insulation and finish system (EIFS) or wall system that insulate from the exterior. When
    tested against brick, glass, stucco, concrete, wood and masonry, Stucco exterior insulation and finish systems (E.I.F.S.) achieved an
    84% higher R-value than the next best-performing cladding. The R-Value considers the thermal performance of the entire wall
    construction (material discontinuities and thermal bridging effects) and effects from transition details (areas such as windows, doors,


                                                                                                          COMPANY NAME         4
                                                                                COMPANY NAME          2010


    roof and floor lines). Performance and Value Homeowners seeking energy efficiency, performance and style from their home’s
    exterior have an all-inclusive option in Stucco E.I.F.S.

    The thermal efficiency of a Stucco EIFS system can translate into real home energy savings of anywhere from 20 to 40% annually.
    Stucco residential E.I.F.S. systems can be backed by a warranty as long as the standard mortgage (10 years).
    Stucco finishes can be colored and textured to accommodate any taste – from the contemporary look of stucco to conventional styles
    like brick and limestone.

    Masonry: Brick and stones create beautiful and unique exterior wall coverings. They are more expensive than most other exterior
    wall coverings, mainly because of high installation cost. For installation purposes a space must be kept between the masonry and
    interior wall surfaces, this space should contain insulation and a vapor barrier. Masonry exterior wall coverings are naturally highly
    resistant to fire, and are great sound insulators. These walls will help retain the house value due to high durability (i.e. – won’t develop
    as many cracks as stucco). Some drawbacks to using brick and stone are high cost and offer poor air insulation. Extra support is
    required to hold the masonry exterior covering securely in place above openings such as doors and windows.

    COMPANY NAME excels in complex custom installations for high-end residences and businesses as well as traditional homes. The
    company specializes in projects with demanding technical requirements using state-of-the-art materials to ensure durability and
    quality.

4.0 Market Analysis Summary

    Ada County is a county in the southwestern part of the U.S. state of Idaho. As of the 2008 Census, the county had a population of
    300,904 (2008 estimate: 380,920). The county seat and largest city is Boise. Other cities in the county with over 10,000 residents
    include Meridian, Eagle, Kuna, and Garden City. Ada County is by far the state's largest in population, containing almost one quarter
    of the state's residents, and contains its only county highway district; the Ada County Highway District (ACHD) has jurisdiction over all
    the local county and city streets, except for private roads and state roads.

    As of the census of 2008, there were 300,904 people, 113,408 households, and 77,344 families residing in the county. The population
    density was 285/mi² (110/km²). There were 118,516 housing units at an average density of 112/mi² (43/km²). The racial makeup of the
    county was 92.86% White, 0.65% Black or African American, 0.69% Native American, 1.74% Asian, 0.15% Pacific Islander, 1.67%
    from other races, and 2.24% from two or more races. Hispanic or Latino of any race was 4.48% of the population.

    There were 113,408 households out of which 36.20% had children under the age of 18 living with them, 55.10% were married couples
    living together, 9.40% had a female householder with no husband present, and 31.80% were non-families. 23.80% of all households
    were made up of individuals and 6.07% had someone living alone who was 65 years of age or older. The average household size was
    2.59 and the average family size was 3.11.

    In the county the population was spread out with 27.30% under the age of 18, 10.30% from 18 to 24, 32.50% from 25 to 44, 20.80%
    from 45 to 64, and 9.10% who were 65 years of age or older. The median age was 33 years. For every 100 females there were 100.6
    males. For every 100 females age 18 and over, there were 98.9 males.

    The median income for a household in the county was $46,140, and the median income for a family was $54,416. Males had a
    median income of $37,867 versus $26,453 for females. The per capita income for the county was $22,519. About 5.40% of families
    and 7.70% of the population were below the poverty line, including 9.20% of those under age 18 and 5.70% of those age 65 or over.

4.1 Market Segmentation

    The company's primary focus is on high-value homes within a 60 mile radius of its location, but can accommodate the needs of clients
    throughout all of the above-mentioned counties if the job is large enough and provides an adequate enough profit.




                                                                                                             COMPANY NAME           5
                                                                               COMPANY NAME           2010


Table: Market Analysis

Market Analysis




                                  2010             2011             2012             2013             2014




Potential                Growth                                                                                        CAGR
Customers




Ada County                  5%           380,920          399,966          419,964          440,962          463,010   5.00%




Canyon County               5%           179,381          188,350          197,768          207,656          218,039   5.00%




Total                    5.00%           560,301          588,316          617,732          648,618          681,049   5.00%




                              Market Analysis (Pie)




                                                                                                  Ada County

                                                                                                  Canyon County




                                                                                                             COMPANY NAME      6
                                                                                 COMPANY NAME           2010


4.2 Target Market Segment Strategy

    The company's choice of target markets is based on comprehensive experience within the construction industry coupled with an in-
    depth understanding of the customer's needs.

4.3 Service Business Analysis

    In the high-end residential construction industry the services provided by COMPANY NAME are a common necessity. As outlined in
    the market segmentation analysis there is large client pool that exists for these services.

    In this industry the service is two-fold. First, the client must make a decision on the product that is to be installed. This product is often
    times purchased from the company that will be providing the installation, fabrication, or remodel. Upon choosing the product, the client
    will have the appropriate service provided. This purchasing and then installation process makes it extremely important that companies
    such as COMPANY NAME can provide both the product and the services. Many of the companies COMPANY NAME competes with
    have satisfactory servicing ability, but lack the product availability. Likewise, there are also companies that focus on large quantities
    and varieties of product and lack the necessary servicing capabilities to maximize profit.

    COMPANY NAME has gained recognition in the industry for its unique variety of products and quality service. The company can
    essentially provide the customer a one-stop shop for tile and stone needs.

4.3.1 Competition and Buying Patterns

    COMPANY NAME industry clients are looking for the following when determining a company to provide tile and stone fabrication and
    installation:

        Product availability

        Quality service

        Quick turnaround time

        Price

        Proven track record

    The market segment on which the company focuses has clients that are building or remodeling residences that are high in value,
    making the above-mentioned key selling points even more important.

5.0 Strategy and Implementation Summary

    COMPANY NAME is requesting $500,000 in grant funding and intends to implement it in the following ways:

USE                                                                                                 COST
Building Expense                                                                                    $15,000
Purchase Equipment/ Expense                                                                         $200,000
Operating Costs                                                                                     $52,000
Inventory                                                                                           $60,000
Purchase Truck/ Auto Expense                                                                        $60,000
Advertisement/ Marketing                                                                            $70,000
TOTAL                                                                                               $457,000



                                                                                                               COMPANY NAME           7
                                                                            COMPANY NAME          2010


5.1 Competitive Edge

    COMPANY NAME seeks to further enhance their competitive edge by purchasing material processing equipment. This equipment will
    allow the company to take on more clients and maintain a quick turnaround time. COMPANY NAME will also be drastically increasing
    its marketing to reach a greater spectrum of clients.

    The pricing for products and services provided by COMPANY NAME will be competitive with its competitors, but the company will be
    able to provide a more diverse product line and superior service. Additionally, COMPANY NAME has the experience, credibility, and
    loyal client base that will continue to give an additional competitive edge in the industry.

    In order for the company to succeed, it needs to work hard developing a sustainable competitive advantage. The important word is
    sustainability as temporary advantages can be gained in numerous ways. For example, a price reduction or a clever sales promotion
    would be an advantage to the company.

5.2 Marketing Strategy

    Reaching the right customers and choosing right communication channel is an essential function for COMPANY NAME An overall
    marketing plan for COMPANY NAME based on the following fundamentals:

         1.    Segmentation of the market planned to reach.
         2.    Distribution channel planned to reach market segments: public relations and promotions.
         3.    Share of the market expected to capture over a fixed period of time.

    Advertisement Objectives: COMPANY NAME is committed to an extensive promotional campaign. This will be done aggressively
    and on a broad scale. To accomplish initial sales goals, the company has implemented an effective promotional campaign to
    accomplish two primary objectives:

         1.    Attract a quality work force that has a desire to be successful.
         2.    Attract customers who will constantly look to COMPANY NAME for their construction projects.

    In addition, COMPANY NAME advertises in the yellow pages, newspapers, radio, and on billboards throughout the state.

    Promotion. In addition to standard advertisement practices, COMPANY NAME gains considerable recognition through these
    additional promotional mediums:

         1.    Caps and T-shirts.
         2.    Signs located strategically throughout the state.
         3.    Word of mouth from satisfied customers.

    Incentives. As an extra incentive for customers (and potential customers) to remember the name, COMPANY NAME plans to
    distribute coffee mugs, T-shirts, pens, and other advertising specialties with the company logo. This will be an ongoing program for
    the company when appropriate and where it is identified as beneficial.

    Public Relations: One of the most extensive channels for COMPANY NAME is Public Relations. Public relations is a primarily
    function to increase company market share and maintain a positive image, including handling or tackling unaffordable stories or
    events. As the company perceives it, publicity certainly is advertising but it’s also done by publicizing legitimate news. By alerting
    media about quality of the company's work and outstanding services provided, COMPANY NAME reaches people and at the same
    time increasing the market share.

    Brochures The objective of brochures is to portray the COMPANY NAME goals and products as an attractive functionality. It is also
        to show customers how to use the latest in technology as it relates to construction and building services.




                                                                                                         COMPANY NAME         8
                                                                           COMPANY NAME          2010


5.3 Sales Strategy

    COMPANY NAME sales strategy is to use a competitive pricing model, but maintain margins that allow ability to undercut the market
    when necessary.

5.3.1 Sales Forecast

    The following table outlines the sales forecast and costs of goods sold. The forecast is based on reasonable sales within this very
    large market. The rapid growth will be supported by both a recovering economy and by receipt of grant funding which will enable the
    company purchase the necessary material processing equipment. The equipment will allow the company to provide quick turnaround
    time on orders. Additionally, the funding will provide the necessary means to execute a marketing strategy that will greatly enhance
    the company’s exposure to prospective clients.

Table: Sales Forecast

Sales Forecast
                                                                    2010                      2011                     2012
Sales
Fabrication and Installation                                    $780,952                 $804,381                  $828,512

Stone Products                                                  $520,610                 $536,228                  $552,315
Total Sales                                                   $1,301,562               $1,340,609                $1,380,827

Direct Cost of Sales                                                2010                     2011                      2012
Supplies                                                        $372,811                 $383,995                  $395,515
Equipment                                                        $60,213                  $62,019                   $63,880
Subtotal Direct Cost of Sales                                   $433,024                 $446,014                  $459,395




                                                                                                        COMPANY NAME          9
                                                                                       COMPANY NAME     2010




                           Sales Monthly
$140,000


$120,000


$100,000


 $80,000                                                                                   Fabrication and Installation

                                                                                           Stone Products
 $60,000


 $40,000


 $20,000


      $0
                                                  Jul
             Jan

                   Feb

                         Mar

                                Apr



                                            Jun




                                                                     Oct
                                      May




                                                        Aug

                                                              Sep



                                                                           Nov

                                                                                 Dec




                               Sales by Year

$1,400,000


$1,200,000


$1,000,000

                                                                                           Fabrication and Installation
 $800,000
                                                                                           Stone Products
 $600,000


 $400,000


 $200,000


       $0
                     2010                   2011                    2012




                                                                                                               COMPANY NAME   10
                                                                             COMPANY NAME       2010


5.4 Milestones

    COMPANY NAME first milestone is to secure $500,000 in grant funding. The use of the funding is detailed in the Milestones Table.

    The company’s plan is to disperse the majority of the funds over the next two years to avoid the possibility of overspending in any
    area of expansion at one time. If COMPANY NAME’ exceeds its gross sales earlier than anticipated, it will invest the funds in the
    appropriate areas in advance in accordance to importance.

Table: Milestones

    Milestones

    Milestone                                    Start Date      End Date          Budget              Manager         Department

    Attain Grant Funding                         8/14/2010     11/15/2010                                                   Owner

    Program Software                             8/14/2010       12/1/2010          $5,000                                  Owner

    Hire Additional Employees                    8/14/2010       1/30/2011        $70,000                                   Owner

    Upgrade Equipment                            8/14/2010       1/30/2010       $200,000                                   Owner

    Expand Advertising Campaign                  8/14/2010       8/14/2011       $100,000                                   Owner

    Attain Shop Rental                           8/14/2010     12/31/2010           $9,600                                  Owner

    Inventory                                    8/14/2010     12/31/2010        $100,000                                   Owner

    Totals                                                                       $484,600




                                                     Milestones

                             Inventory


                    Attain Shop Rental


      Expand Advertising Campaign


                 Upgrade Equipment


         Hire Additional Employees


                    Program Software


                 Attain Grant Funding


                                                                           Jan FebMar AprMayJun Jul
                                         FebMar AprMayJun Jul AugSepOctNovDec `11




                                                                                                       COMPANY NAME         11
                                                                           COMPANY NAME           2010


6.0 Management Summary

    The management of COMPANY NAME is as follows:
    [INSERT MANAGERS]

6.1 Personnel Plan

    The following table is the personnel plan for COMPANY NAME.

Table: Personnel

Personnel Plan
                                                               2010                        2011                        2012
Construction Labor                                          $60,000                     $61,800                     $63,654

Management                                                 $132,060                    $136,022                   $140,102
Total People                                                      9                          10                         12

Total Payroll                                              $192,060                    $197,822                   $203,756


7.0 Financial Plan

    COMPANY NAME premier element in the financing plan is initiating, maintaining, and improving the factors that create, stabilize, and
    increase the company’s cash flow.

    1.    The company must be persistent with inventory management.
    2.    The company must manage operations costs to avoid increases in monthly breakeven levels.
    3.    The company must monitor results of grant investment to determine new areas in the business to implement profits for
         continuous company growth.

7.1 Important Assumptions

    COMPANY NAME does not intend to use additional bank financing that will require interest but will instead use grant funding to
    purchase new equipment and more inventories to provide the means for expansion.

7.2 Break-even Analysis

    The Break-even Analysis is based on the average of the first-year figures for total sales by units and by operating expenses. These
    are presented as per-unit revenue, per-unit cost and fixed costs. These conservative assumptions make for a more accurate estimate
    of real risk.




                                                                                                         COMPANY NAME         12
                                                                         COMPANY NAME       2010


Table: Break-even Analysis

Break-even Analysis

Monthly Revenue Break-even                                                                                 $32,263


Assumptions:
Average Percent Variable Cost                                                                                 33%

Estimated Monthly Fixed Cost                                                                               $21,529




                                             Break-even Analysis
       $16,000

       $12,000

        $8,000

        $4,000

            $0

       ($4,000)

       ($8,000)

      ($12,000)

      ($16,000)

      ($20,000)

                   $0             $10,000       $20,000       $30,000       $40,000       $50,000
                         $5,000          $15,000       $25,000       $35,000       $45,000       $55,000




                                                                                                   COMPANY NAME      13
                                                                            COMPANY NAME   2010


7.3 Projected Profit and Loss

    Month-by-month assumptions for profit and loss are included in the appendix.

Table: Profit and Loss

Pro Forma Profit and Loss
                                                                     2010                2011               2012
Sales                                                          $1,301,562          $1,340,609         $1,380,827
Direct Cost of Sales                                             $433,024            $446,014           $459,395
Other Costs of Sales                                                   $0                  $0                 $0
Total Cost of Sales                                              $433,024            $446,014           $459,395

Gross Margin                                                    $868,538            $894,595            $921,432
Gross Margin %                                                   66.73%              66.73%              66.73%


Expenses
Payroll                                                         $192,060            $197,822            $203,756
Marketing/Promotion                                               $6,504              $6,699              $6,900
Depreciation                                                          $0                  $0                  $0
Rent                                                              $3,492              $3,597              $3,705
Utilities                                                         $2,316              $2,385              $2,457
Insurance                                                        $17,844             $18,379             $18,931
Legal                                                             $1,181              $1,216              $1,253
Auto/Truck Expense                                               $33,576             $34,583             $35,621
Office Supplies                                                   $1,380              $1,421              $1,464

Total Operating Expenses                                        $258,353            $266,102            $274,087

Profit Before Interest and Taxes                                $610,185            $628,493            $647,345

EBITDA                                                          $610,185            $628,493            $647,345
 Interest Expense                                                $13,773             $12,946             $12,084
 Taxes Incurred                                                 $178,924            $184,664            $190,578

Net Profit                                                      $417,488            $430,883            $444,683
Net Profit/Sales                                                 32.08%              32.14%              32.20%




                                                                                                  COMPANY NAME     14
                                                            COMPANY NAME     2010



                                    Profit Monthly

$50,000

$45,000

$40,000

$35,000

$30,000

$25,000

$20,000

$15,000

$10,000

 $5,000

    $0
           Jan   Feb   Mar   Apr   May   Jun    Jul   Aug    Sep    Oct    Nov   Dec




                                    Profit Yearly


$450,000

$400,000

$350,000

$300,000

$250,000

$200,000

$150,000

$100,000

 $50,000

     $0
                   2010                  2011                      2012




                                                                                    COMPANY NAME   15
                                                               COMPANY NAME     2010



                                Gross Margin Monthly
$100,000

 $90,000

 $80,000

 $70,000

 $60,000

 $50,000

 $40,000

 $30,000

 $20,000

 $10,000

      $0
             Jan   Feb   Mar   Apr   May   Jun     Jul   Aug     Sep   Oct    Nov   Dec




                                 Gross Margin Yearly


$1,000,000

 $900,000

 $800,000

 $700,000

 $600,000
 $500,000

 $400,000

 $300,000

 $200,000

 $100,000

       $0
                     2010                   2011                       2012




                                                                                       COMPANY NAME   16
                                                                       COMPANY NAME     2010


7.4 Projected Cash Flow

    The following chart and table show the projected cash flow for COMPANY NAME.

Table: Cash Flow

Pro Forma Cash Flow
                                                                       2010             2011              2012
Cash Received

Cash from Operations
Cash Sales                                                       $1,301,562        $1,340,609        $1,380,827
Subtotal Cash from Operations                                    $1,301,562        $1,340,609        $1,380,827

Additional Cash Received
Sales Tax, VAT, HST/GST Received                                         $0                $0                $0
New Current Borrowing                                                    $0                $0                $0
New Other Liabilities (interest-free)                                    $0                $0                $0
New Long-term Liabilities                                                $0                $0                $0
Sales of Other Current Assets                                            $0                $0                $0
Sales of Long-term Assets                                                $0                $0                $0
New Investment Received                                            $500,000                $0                $0
Subtotal Cash Received                                           $1,801,562        $1,340,609        $1,380,827

Expenditures                                                           2010             2011              2012

Expenditures from Operations
Cash Spending                                                      $192,060         $197,822          $203,756
Bill Payments                                                      $623,092         $722,314          $730,704
Subtotal Spent on Operations                                       $815,152         $920,136          $934,460

Additional Cash Spent
Sales Tax, VAT, HST/GST Paid Out                                         $0               $0                $0
Principal Repayment of Current Borrowing                             $3,024           $3,024            $3,024

Other Liabilities Principal Repayment                                    $0               $0                $0
Long-term Liabilities Principal Repayment                            $5,604           $5,604            $5,604

Purchase Other Current Assets                                      $100,000               $0                $0
Purchase Long-term Assets                                          $200,000               $0                $0
Dividends                                                                $0               $0                $0
Subtotal Cash Spent                                              $1,123,780         $928,764          $943,088

Net Cash Flow                                                      $677,782          $411,845          $437,739
Cash Balance                                                       $677,782        $1,089,628        $1,527,366




                                                                                                COMPANY NAME      17
                                                                         COMPANY NAME   2010



                                     Cash
$1,000,000


 $800,000


 $600,000

                                                                                        Net Cash Flow
 $400,000
                                                                                        Cash Balance
 $200,000


       $0


($200,000)
                                                 Jul
             Jan




                               Apr




                                           Jun
                   Feb

                         Mar




                                                                   Oct
                                     May




                                                       Aug

                                                             Sep




                                                                         Nov

                                                                               Dec




                                                                                               COMPANY NAME   18
                                                                           COMPANY NAME          2010


7.5 Projected Balance Sheet

    1.   The Projected Balance Sheet for COMPANY NAME is quite solid.
    2.   There is no trouble projected to meet any of the set obligations.
    3.   All goals the company has specified for achievement are being tracked for completion.

Table: Balance Sheet

Pro Forma Balance Sheet

                                                            2010                    2011                   2012

Assets




Current Assets

Cash                                                   $677,782               $1,089,628            $1,527,366

Other Current Assets                                   $255,785                $255,785                 $255,785

Total Current Assets                                   $933,567               $1,345,413            $1,783,151




Long-term Assets

Long-term Assets                                       $475,429                $475,429                 $475,429

Accumulated Depreciation                                  $9,638                  $9,638                  $9,638

Total Long-term Assets                                 $465,791                $465,791                 $465,791

Total Assets                                          $1,399,358              $1,811,204            $2,248,942




                                                                                                        COMPANY NAME   19
                                             COMPANY NAME   2010




Liabilities and Capital              2010          2011               2012




Current Liabilities

Accounts Payable                  $68,922        $58,513            $60,196

Current Borrowing                 $27,227        $24,203            $21,179

Other Current Liabilities              $0            $0                 $0

Subtotal Current Liabilities      $96,149        $82,716            $81,375




Long-term Liabilities            $106,551       $100,947            $95,343


Total Liabilities                $202,700       $183,663           $176,718




Paid-in Capital                  $535,761       $535,761           $535,761



Retained Earnings                $243,409       $660,897       $1,091,780



Earnings                         $417,488       $430,883           $444,683


Total Capital                   $1,196,658    $1,627,541       $2,072,224



Total Liabilities and Capital   $1,399,358    $1,811,204       $2,248,942




Net Worth                       $1,196,658    $1,627,541       $2,072,224


                                                                   COMPANY NAME   20
                                                                              COMPANY NAME          2010



7.6 Business Ratios

    Business ratios for the years of this plan are shown below. Industry profile ratios based on the Standard Industrial Classification (SIC)
    code 152139, Remodeling and Repairing Building Contractors, are shown for comparison.

Table: Ratios

Ratio Analysis
                                                              2010               2011               2012      Industry Profile

Sales Growth                                                44.76%              3.00%             3.00%               -2.88%

Percent of Total Assets
Other Current Assets                                       18.28%             14.12%             11.37%              26.36%
Total Current Assets                                       66.71%             74.28%             79.29%              77.28%
Long-term Assets                                           33.29%             25.72%             20.71%              22.72%
Total Assets                                              100.00%            100.00%            100.00%             100.00%

Current Liabilities                                          6.87%             4.57%              3.62%               43.77%
Long-term Liabilities                                        7.61%             5.57%              4.24%               12.37%
Total Liabilities                                           14.49%            10.14%              7.86%               56.14%
Net Worth                                                   85.51%            89.86%             92.14%               43.86%

Percent of Sales
Sales                                                     100.00%            100.00%            100.00%             100.00%
Gross Margin                                               66.73%             66.73%             66.73%              16.71%
Selling, General & Administrative Expenses                 34.65%             34.59%             34.53%               5.14%

Advertising Expenses                                         0.50%             0.50%              0.50%                0.23%
Profit Before Interest and Taxes                            46.88%            46.88%             46.88%                0.96%

Main Ratios
Current                                                        9.71             16.27              21.91                 1.60
Quick                                                          9.71             16.27              21.91                 0.58
Total Debt to Total Assets                                  14.49%            10.14%              7.86%               58.63%
Pre-tax Return on Net Worth                                 49.84%            37.82%             30.66%                4.89%
Pre-tax Return on Assets                                    42.62%            33.99%             28.25%                2.02%

Additional Ratios                                             2010              2011               2012
Net Profit Margin                                           32.08%            32.14%             32.20%                   n.a
Return on Equity                                            34.89%            26.47%             21.46%                   n.a




                                                                                                           COMPANY NAME          21
                                         COMPANY NAME     2010




Activity Ratios
Accounts Payable Turnover      10.04        12.17        12.17            n.a
Payment Days                      27           33           30            n.a
Total Asset Turnover            0.93         0.74         0.61            n.a

Debt Ratios
Debt to Net Worth               0.17         0.11         0.09            n.a
Current Liab. to Liab.          0.47         0.45         0.46            n.a

Liquidity Ratios
Net Working Capital         $837,418   $1,262,697   $1,701,776            n.a
Interest Coverage              44.30        48.55        53.57            n.a

Additional Ratios
Assets to Sales                 1.08         1.35         1.63            n.a
Current Debt/Total Assets        7%           5%           4%             n.a
Acid Test                       9.71        16.27        21.91            n.a
Sales/Net Worth                 1.09         0.82         0.67            n.a
Dividend Payout                 0.00         0.00         0.00            n.a




                                                                 COMPANY NAME   22
                                                                           Appendix

Table: Sales Forecast

Sales Forecast
                                   Jan       Feb       Mar       Apr       May        Jun          Jul       Aug        Sep         Oct       Nov        Dec
Sales
Fabrication and Installation    $49,063   $51,516   $54,092   $56,797   $59,637    $62,619    $65,750     $69,038    $72,490    $76,114    $79,920    $83,916
Stone Products                  $32,708   $34,343   $36,060   $37,863   $39,756    $41,744    $43,831     $46,023    $48,324    $50,740    $53,277    $55,941
Total Sales                     $81,771   $85,859   $90,152   $94,660   $99,393   $104,363   $109,581    $115,061   $120,814   $126,854   $133,197   $139,857

Direct Cost of Sales                Jan       Feb       Mar       Apr      May         Jun         Jul        Aug        Sep        Oct        Nov        Dec
Supplies                        $26,269   $27,057   $27,869   $28,705   $29,566    $30,453    $31,367     $32,308    $33,277    $34,275    $35,303    $36,362
Equipment                        $4,243    $4,370    $4,501    $4,636    $4,775     $4,918     $5,066      $5,218     $5,375     $5,536     $5,702     $5,873
Subtotal Direct Cost of Sales   $30,512   $31,427   $32,370   $33,341   $34,341    $35,371    $36,433     $37,526    $38,652    $39,811    $41,005    $42,235




                                                                                                                                                            Page 1
                                                                 Appendix

Table: Personnel

Personnel Plan
                        Jan       Feb       Mar       Apr       May       Jun        Jul      Aug       Sep       Oct       Nov       Dec
Construction Labor    $5,000    $5,000    $5,000    $5,000    $5,000    $5,000    $5,000    $5,000    $5,000    $5,000    $5,000    $5,000
Management           $11,005   $11,005   $11,005   $11,005   $11,005   $11,005   $11,005   $11,005   $11,005   $11,005   $11,005   $11,005
Total People              9         9         9         9         9         9         9         9         9         9         9         9


Total Payroll        $16,005   $16,005   $16,005   $16,005   $16,005   $16,005   $16,005   $16,005   $16,005   $16,005   $16,005   $16,005




                                                                                                                                             Page 2
                                                                                   Appendix

Table: Profit and Loss

Pro Forma Profit and Loss
                                             Jan       Feb       Mar       Apr      May         Jun         Jul        Aug        Sep        Oct        Nov        Dec
Sales                                    $81,771   $85,859   $90,152   $94,660   $99,393   $104,363   $109,581    $115,061   $120,814   $126,854   $133,197   $139,857
Direct Cost of Sales                     $30,512   $31,427   $32,370   $33,341   $34,341    $35,371    $36,433     $37,526    $38,652    $39,811    $41,005    $42,235
Other Costs of Sales                          $0        $0        $0        $0        $0         $0         $0          $0         $0         $0         $0         $0
Total Cost of Sales                      $30,512   $31,427   $32,370   $33,341   $34,341    $35,371    $36,433     $37,526    $38,652    $39,811    $41,005    $42,235

Gross Margin                             $51,259   $54,432   $57,782   $61,319   $65,052    $68,992    $73,148     $77,535    $82,162    $87,043    $92,192    $97,622
Gross Margin %                           62.69%    63.40%    64.09%    64.78%    65.45%     66.11%     66.75%      67.39%     68.01%     68.62%     69.21%     69.80%


Expenses
Payroll                                  $16,005   $16,005   $16,005   $16,005   $16,005    $16,005    $16,005     $16,005    $16,005    $16,005    $16,005    $16,005
Marketing/Promotion                         $542      $542      $542      $542      $542       $542       $542        $542       $542       $542       $542       $542
Depreciation                                  $0        $0        $0        $0        $0         $0         $0          $0         $0         $0         $0         $0
Rent                                        $291      $291      $291      $291      $291       $291       $291        $291       $291       $291       $291       $291
Utilities                                   $193      $193      $193      $193      $193       $193       $193        $193       $193       $193       $193       $193
Insurance                                 $1,487    $1,487    $1,487    $1,487    $1,487     $1,487     $1,487      $1,487     $1,487     $1,487     $1,487     $1,487
Legal                              15%        $0        $0        $0    $1,181        $0         $0         $0          $0         $0         $0         $0         $0
Auto/Truck Expense                 15%    $2,798    $2,798    $2,798    $2,798    $2,798     $2,798     $2,798      $2,798     $2,798     $2,798     $2,798     $2,798
Office Supplies                             $115      $115      $115      $115      $115       $115       $115        $115       $115       $115       $115       $115

Total Operating Expenses                 $21,431   $21,431   $21,431   $22,612   $21,431    $21,431    $21,431     $21,431    $21,431    $21,431    $21,431    $21,431

Profit Before Interest and Taxes         $29,828   $33,001   $36,351   $38,707   $43,621    $47,561    $51,717     $56,104    $60,731    $65,612    $70,761    $76,191
EBITDA                                   $29,828   $33,001   $36,351   $38,707   $43,621    $47,561    $51,717     $56,104    $60,731    $65,612    $70,761    $76,191
 Interest Expense                         $1,181    $1,175    $1,169    $1,163    $1,157     $1,151     $1,145      $1,139     $1,133     $1,127     $1,121     $1,115
 Taxes Incurred                           $8,594    $9,548   $10,555   $11,263   $12,739    $13,923    $15,172     $16,490    $17,879    $19,346    $20,892    $22,523

Net Profit                               $20,053   $22,278   $24,628   $26,281   $29,725    $32,487    $35,401     $38,476    $41,719    $45,140    $48,748    $52,553
Net Profit/Sales                         24.52%    25.95%    27.32%    27.76%    29.91%     31.13%     32.31%      33.44%     34.53%     35.58%     36.60%     37.58%




                                                                                                                                                                         Page 3
                                                                                  Appendix

Table: Cash Flow

Pro Forma Cash Flow
                                                   Jan       Feb        Mar         Apr       May        Jun         Jul       Aug        Sep         Oct       Nov          Dec
Cash Received

Cash from Operations
Cash Sales                                      $81,771   $85,859    $90,152    $94,660    $99,393   $104,363   $109,581   $115,061   $120,814   $126,854   $133,197    $139,857
Subtotal Cash from Operations                   $81,771   $85,859    $90,152    $94,660    $99,393   $104,363   $109,581   $115,061   $120,814   $126,854   $133,197    $139,857

Additional Cash Received
Sales Tax, VAT, HST/GST Received        0.00%        $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0          $0
New Current Borrowing                                $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0          $0
New Other Liabilities (interest-free)                $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0          $0
New Long-term Liabilities                            $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0          $0
Sales of Other Current Assets                        $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0          $0
Sales of Long-term Assets                            $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0          $0
New Investment Received                              $0        $0         $0         $0         $0         $0         $0         $0         $0         $0   $500,000          $0
Subtotal Cash Received                          $81,771   $85,859    $90,152    $94,660    $99,393   $104,363   $109,581   $115,061   $120,814   $126,854   $633,197    $139,857

Expenditures                                       Jan       Feb        Mar         Apr       May        Jun         Jul       Aug        Sep         Oct       Nov          Dec

Expenditures from Operations
Cash Spending                                   $16,005   $16,005    $16,005    $16,005    $16,005    $16,005    $16,005    $16,005    $16,005    $16,005    $16,005     $16,005
Bill Payments                                    $1,524   $45,775    $47,640    $49,615    $52,417    $53,737    $55,948    $58,256    $60,664    $63,178    $65,801     $68,539
Subtotal Spent on Operations                    $17,529   $61,780    $63,645    $65,620    $68,422    $69,742    $71,953    $74,261    $76,669    $79,183    $81,806     $84,544

Additional Cash Spent
Sales Tax, VAT, HST/GST Paid Out                    $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0           $0
Principal Repayment of Current                    $252      $252       $252       $252       $252       $252       $252       $252       $252       $252       $252         $252
Borrowing
Other Liabilities Principal Repayment               $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0           $0
Long-term Liabilities Principal                   $467      $467       $467       $467       $467       $467       $467       $467       $467       $467       $467         $467
Repayment
Purchase Other Current Assets                        $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0    $100,000
Purchase Long-term Assets                            $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0    $200,000
Dividends                                            $0        $0         $0         $0         $0         $0         $0         $0         $0         $0         $0          $0
Subtotal Cash Spent                             $18,248   $62,499    $64,364    $66,339    $69,141    $70,461    $72,672    $74,980    $77,388    $79,902    $82,525    $385,263

Net Cash Flow                                   $63,523   $23,360    $25,788    $28,321    $30,252    $33,902    $36,909    $40,081    $43,426    $46,952   $550,672   ($245,406)
Cash Balance                                    $63,523   $86,883   $112,671   $140,992   $171,244   $205,147   $242,056   $282,137   $325,563   $372,516   $923,188     $677,782



                                                                                                                                                                        Page 4
                                                                                  Appendix

Table: Balance Sheet

Pro Forma Balance
Sheet
                                                Jan        Feb        Mar         Apr       May        Jun         Jul       Aug        Sep         Oct         Nov          Dec
Assets                      Starting
                            Balances

Current Assets
Cash                                   $0    $63,523    $86,883   $112,671   $140,992   $171,244   $205,147   $242,056   $282,137   $325,563   $372,516     $923,188    $677,782
Other Current Assets             $155,785   $155,785   $155,785   $155,785   $155,785   $155,785   $155,785   $155,785   $155,785   $155,785   $155,785     $155,785    $255,785
Total Current Assets             $155,785   $219,308   $242,668   $268,456   $296,777   $327,029   $360,932   $397,841   $437,922   $481,348   $528,301   $1,078,973    $933,567

Long-term Assets
Long-term Assets                 $275,429   $275,429   $275,429   $275,429   $275,429   $275,429   $275,429   $275,429   $275,429   $275,429   $275,429    $275,429     $475,429
Accumulated                        $9,638     $9,638     $9,638     $9,638     $9,638     $9,638     $9,638     $9,638     $9,638     $9,638     $9,638      $9,638       $9,638
Depreciation
Total Long-term Assets           $265,791   $265,791   $265,791   $265,791   $265,791   $265,791   $265,791   $265,791   $265,791   $265,791   $265,791     $265,791     $465,791
Total Assets                     $421,576   $485,099   $508,459   $534,247   $562,568   $592,820   $626,723   $663,632   $703,713   $747,139   $794,092   $1,344,764   $1,399,358

Liabilities and Capital                         Jan        Feb        Mar         Apr       May        Jun         Jul       Aug        Sep         Oct         Nov          Dec

Current Liabilities
Accounts Payable                       $0    $44,189    $45,990    $47,869    $50,628    $51,874    $54,008    $56,236    $58,561    $60,987    $63,519     $66,162      $68,922
Current Borrowing                 $30,251    $29,999    $29,747    $29,495    $29,243    $28,991    $28,739    $28,487    $28,235    $27,983    $27,731     $27,479      $27,227
Other Current Liabilities              $0         $0         $0         $0         $0         $0         $0         $0         $0         $0         $0          $0           $0
Subtotal Current                  $30,251    $74,188    $75,737    $77,364    $79,871    $80,865    $82,747    $84,723    $86,796    $88,970    $91,250     $93,641      $96,149
Liabilities

Long-term Liabilities            $112,155   $111,688   $111,221   $110,754   $110,287   $109,820   $109,353   $108,886   $108,419   $107,952   $107,485    $107,018     $106,551
Total Liabilities                $142,406   $185,876   $186,958   $188,118   $190,158   $190,685   $192,100   $193,609   $195,215   $196,922   $198,735    $200,659     $202,700

Paid-in Capital                   $35,761    $35,761    $35,761    $35,761    $35,761    $35,761    $35,761    $35,761    $35,761    $35,761    $35,761     $535,761     $535,761
Retained Earnings                $165,815   $243,409   $243,409   $243,409   $243,409   $243,409   $243,409   $243,409   $243,409   $243,409   $243,409     $243,409     $243,409
Earnings                          $77,594    $20,053    $42,331    $66,959    $93,240   $122,965   $155,452   $190,853   $229,328   $271,047   $316,187     $364,935     $417,488
Total Capital                    $279,170   $299,223   $321,501   $346,129   $372,410   $402,135   $434,622   $470,023   $508,498   $550,217   $595,357   $1,144,105   $1,196,658
Total Liabilities and            $421,576   $485,099   $508,459   $534,247   $562,568   $592,820   $626,723   $663,632   $703,713   $747,139   $794,092   $1,344,764   $1,399,358
Capital

Net Worth                        $279,170   $299,223   $321,501   $346,129   $372,410   $402,135   $434,622   $470,023   $508,498   $550,217   $595,357   $1,144,105   $1,196,658




                                                                                                                                                                         Page 5
                                                               Appendix

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