Business Plan for Traveling Eye Doctor Services

VIEWS: 157 PAGES: 33

This Business Plan for a Traveling Eye Doctor Services 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.

More Info
									Business Plan for Traveling
Eye Doctor Services
This Business Plan for a Traveling Eye Doctor Services 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.
                                [Company Name]
                                    [Address]

                                 [City, State ZIP]

                                Tel. XXX-XXX-XXXX

                                Fax. XXX-XXX-XXXX



                                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
                                                                                              Vincent White O.D. 2010

1.0 Executive Summary...................................................................................................................................1
   1.1 Objectives.............................................................................................................................................2
   1.2 Mission.................................................................................................................................................2
   1.3 Keys to Success....................................................................................................................................2
2.0 Company Summary...................................................................................................................................2
   2.1 Company Ownership .............................................................................................................................2
   2.2 Company History...................................................................................................................................2
3.0 Products ...................................................................................................................................................5
4.0 Market Analysis Summary..........................................................................................................................5
   4.1 Market Segmentation.............................................................................................................................6
      Table: Market Analysis ............................................................................................................................6
   4.2 Target Market Segment Strategy ............................................................................................................7
   4.3 Industry 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.......................................................................................................................................8
      5.3.1 Sales Forecast ...............................................................................................................................8
         Table: Sales Forecast .........................................................................................................................9
   5.4 Milestones ..........................................................................................................................................11
      Table: Milestones..................................................................................................................................11
6.0 Management Summary............................................................................................................................11
   6.1 Personnel Plan....................................................................................................................................11
      Table: Personnel...................................................................................................................................12
7.0 Financial Plan .........................................................................................................................................12
   7.1 Important Assumptions ........................................................................................................................12
   7.2 Break-even Analysis ............................................................................................................................12
      Table: Break-even Analysis ...................................................................................................................12
   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 ..................................................................................................................................20
   7.6 Business Ratios ..................................................................................................................................20
      Table: Ratios ........................................................................................................................................20
   APPENDIX
                                                        [Company Name]
                                                             2010


1.0 Executive Summary

    [Company Name] is a sole proprietorship company formed in Los Angeles County in 2006. Dr. White has served for many industry
    related committees, received many awards and has also been a sports consultant to the sports industry, including the L.A. Raiders,
    L.A. Lakers, UCLA and Pepperdine University football, baseball and volleyball teams as well as the California Angels.

    [Company Name] has been practicing optimology for 39 years and currently runs a medical office in Sherman Oaks, California in Los
    Angeles County. Dr. White provides exams and supplies to a vast variety of patients, including patients at assisted living and mental
    health facilities. [Company Name] also can remove foreign bodies and other ailments, prescribe antibiotic and glaucoma
    medications.

    The purpose of this plan is to attain grant funding in the amount of $300,000 to upgrade office and laboratory equipment, purchase
    inventory, expand the business and hire additional employees in order to better serve patients. [Company Name] also would like to
    expand services and supplies to the Cherokee Indian Nation in Texas and many other Indian reservations in the United States.

    [Company Name]

    [Address]

    [City, State ZIP]

    Tel. XXX-XXX-XXXX




                                        Highlights
     $600,000


     $500,000


     $400,000
                                                                                                  Sales

     $300,000                                                                                     Gross Margin

                                                                                                  Net Profit
     $200,000


     $100,000


            $0
                          2010                   2011                   2012




[Company Name]                                                                                                                 Page 1
                                                          [Company Name]
                                                               2010


1.1 Objectives

    The objectives for [Company Name] are:

    1. To attain upgraded equipment to better serve patients at assisted living and mental health facilities.

    2. To provide care to men, women and children that reside in nearby Indian reservations.

    3. To add additional medically trained personnel to assist in helping more patients in and out of the facility.

1.2 Mission

    [Company Name] seeks to better provide the field of ophthalmology with up-to-date equipment and supplies which will facilitate the
    treatment of ophthalmologic diseases and conditions. Close personal attention to each patient is essential to providing a quality
    experience for all patients.

1.3 Keys to Success

    Keys to success for [Company Name] will include:

    1.   Maintaining a reputable and untarnished reputation in the community.
    2.   Quality care.
    3.   Commitment to the success and happiness of patients and staff.
    4.   Flexible hours and accessibility.

2.0 Company Summary

    [Company Name] has been practicing optimology for 39 years and currently runs a medical office in Sherman Oaks, California in Los
    Angeles County. Dr. White provides exams and supplies to a vast variety of patients, including patients at assisted living and mental
    health facilities. [Company Name] also can remove foreign bodies and other ailments, prescribe antibiotic and glaucoma
    medications. The company also would like to provide these services and supplies to the Cherokee Indian Nation in Texas.

2.1 Company Ownership

    The company, [Company Name], is a sole proprietorship registered DBA by the owner in Los Angeles, California.

2.2 Company History

    [Company Name] has been practicing optimology for 39 years and currently runs a medical office in Sherman Oaks, California in Los
    Angeles County. Dr. White provides exams and supplies to a vast variety of patients, including patients at assisted living and mental
    health facilities. [Company Name] also can remove foreign bodies and other ailments, prescribe antibiotic and glaucoma
    medications. The company also would like to provide these services and supplies to the Cherokee Indian Nation in Texas.

    [Company Name] holds many industry related certifications and memberships, including but not limited to:

    MEMBERSHIPS

    1981 - Present - Allied Health Personnel for California Department of Education

    1979 - Present - Council on Sports Vision

    1974 - Present - International Orthokeratology


[Company Name]                                                                                                                 Page 2
                                                         [Company Name]
                                                              2010


    1972 - Present - College of Optometrists in Vision Development

    1971 - Present - California Optometric Association

    1967 - Present - American Optometric Association

    SPECIAL INTERESTS

    1999 - Present - Optometic Consultant for Childsight, a division of Helen Keller Worldwide

    1996 - Present - Optometric Consultant for LAUSD regarding preschool through high school patients

    1975 - 1985 - Vision screening and remediation for visually related learning disorders at the San Fernando Learning Skills Laboratory

    [Company Name] is a sole proprietorship company formed in Los Angeles County in 2006. Dr. White has served for many industry
    related committees, received many awards and has also been a sports consultant to the sports industry, including the L.A. Raiders,
    L.A. Lakers, UCLA and Pepperdine University football, baseball and volleyball teams as well as the California Angels.

Table: Past Performance

Past Performance
                                                                         2007                 2008                 2009
Sales                                                                $331,254             $349,665             $388,676
Gross Margin                                                         $331,254             $349,665             $388,676
Gross Margin %                                                       100.00%              100.00%              100.00%
Operating Expenses                                                   $267,656             $300,718             $299,926

Balance Sheet
                                                                        2007                     2008               2009

Current Assets
Cash                                                                       $0                   $0                   $0
Other Current Assets                                                  $20,000              $20,000              $20,000
Total Current Assets                                                  $20,000              $20,000              $20,000

Long-term Assets
Long-term Assets                                                     $140,000             $120,000             $100,000
Accumulated Depreciation                                               $1,000               $1,000               $1,000
Total Long-term Assets                                               $139,000             $119,000              $99,000

Total Assets                                                         $159,000             $139,000             $119,000




[Company Name]                                                                                                                  Page 3
                                                 [Company Name]
                                                      2010



Current Liabilities
Accounts Payable                                               $0                 $0          $3,000
Current Borrowing                                              $0                 $0              $0
Other Current Liabilities (interest free)                      $0                 $0              $0

Total Current Liabilities                                      $0                 $0          $3,000

Long-term Liabilities                                          $0                 $0              $0
Total Liabilities                                              $0                 $0          $3,000

Paid-in Capital                                                 $0                 $0          $0
Retained Earnings                                         $156,593          $141,076     $106,887
Earnings                                                    $2,407           ($2,076)      $9,113
Total Capital                                             $159,000          $139,000     $116,000

Total Capital and Liabilities                             $159,000          $139,000     $119,000

Other Inputs
Payment Days                                                    0                  0              0




                                       Past Performance
      $400,000

      $360,000

      $320,000

      $280,000
                                                                                        Sales
      $240,000

      $200,000                                                                          Gross

      $160,000                                                                          Net

      $120,000

       $80,000

       $40,000

             $0
                            2007               2008                  2009




[Company Name]                                                                                         Page 4
                                                          [Company Name]
                                                               2010


3.0 Products

    [Company Name] provides optometric services to the community by offering:

        Eye examinations
        Minor eye surgery
        Sports consulting
        Prescription of needed rated medications
        At home, assisted living and mental health facility visits

    [Company Name] offers comprehensive optometric services for both the residential and in-office patients.

4.0 Market Analysis Summary

    Optometry is a health care profession concerned with eyes and related structures, as well as vision, visual systems, and vision
    information processing in humans.

    Like most professions, optometry education, certification, and practice is regulated in most countries. Optometrists and optometry-
    related organizations interact with governmental agencies, other health care professionals, and the community to deliver eye and
    vision care. Optometrists are one of three eye care professionals, the others being ophthalmologists (medical doctors), and opticians.

    Many patients will be more concerned about diseases that affect vision than other, more lethal diseases when told that they may have
    an eye problem. Being deprived of sight can have a devastating effect on the psyche, as well as economic and social effects. Many
    blind individuals require significant assistance with activities of daily living and are often unable to continue gainful employment that
    might have previously been held while they could see. It is also well-known that serious diseases such as myasthenia gravis,
    diabetes, and atherosclerosis can show their first signs during an eye examination, well-before a patient experiences any symptoms.

    The maintenance of ocular health and correction of eye problems that decrease vision contribute greatly to the ability to appreciate
    the longer lifespan that all of medicine continues to allow. Given the importance of vision to quality of life, many optometrists consider
    their job to be rewarding, as they are often able to restore or improve a patient's sight.

    Los Angeles County (incorporated as the County of Los Angeles) is a county in California and is the most populous county in the
    United States. Figures from the U.S. Census Bureau give an estimated 2009 population of 9,848,011 residents, while the California
    Department of Finance lists a January 1, 2009, estimate of 10,393,185. The county seat is the city of Los Angeles, the largest city in
    California and the second-largest city in the United States.

    The county is home to 88 incorporated cities and many unincorporated areas. The southern portion is the most heavily urbanized area
    and is home to the vast majority of the population which lives along the Southern California coastline and the inland basins and
    valleys. The northern half is a large expanse of less-populated desert including the Santa Clarita Valley and the Antelope Valley,
    which encompasses the northeastern part of the county and is adjacent to Kern County. In between these portions of the county sit
    the San Gabriel Mountains and the vast wilderness known as the Angeles National Forest.

    The county is home to over a quarter of all California residents. One of the most diverse counties in the country, it holds most of the
    principal cities encompassing the Greater Los Angeles Area and is the core of the five counties that make up the area. In 2004, the
    county's population was larger than the individual populations of 42 states considered separately, and is more populous than the
    aggregate of the 11 least populous states. It is similar in land area to the state of Connecticut and in population to the state of
    Michigan within the United States, or similar in land area to Trinidad and Tobago and in population to Bolivia. If Los Angeles County
    were a nation, its GDP would be among the 20 largest countries in the world.

    As of the census of 2000, there were 9,519,338 people, 3,133,774 households, and 2,137,233 families residing in the county. The
    population density was 2,344 people per square mile (905/km²). There were 3,270,909 housing units at an average density of 806 per
    square mile (311/km²). The racial makeup of the county is 48.71% White[15] 11.0% African American, 0.81% Native American, 10.0%
    Asian, 0.28% Pacific Islander, 23.53% from other races, and 4.94% from two or more races. 44.56% of the population is Hispanic or
    Latino of any race. The largest ancestry groups are German (6%), Irish (5%), English (4%) and Italian (3%). 45.87% of the population


[Company Name]                                                                                                                      Page 5
                                                          [Company Name]
                                                               2010


     reported speaking English at home; 37.89% spoke Spanish as their first language, 2.22% Tagalog, 1.98% Chinese, 1.87% Korean,
     and 1.57% Armenian.

     Because the county is so populous, what is not so evident is that it has the largest Native American population of any county in the
     nation: according to the 2000 census, it has more than 153,550 people of indigenous descent. "The invisible population that is virtually
     ignored by the census is that of indigenous people from Mexico, Central and South America."

     There were 3,133,774 households out of which 36.80% had children under the age of 18 living with them, 47.6% were married
     couples living together, 14.7% had a female householder with no husband present, and 31.8% were non-families. 24.6% of all
     households were made up of individuals and 7.1% had someone living alone who was 65 years of age or older. The average
     household size was 2.98 and the average family size was 3.61.

     In the county the population was spread out with 28.0% under the age of 18, 10.3% from 18 to 24, 32.6% from 25 to 44, 19.4% from
     45 to 64, and 9.7% who were 65 years of age or older. The median age was 32 years. For every 100 females there were 97.7 males.
     For every 100 females age 18 and over, there were 95.0 males.

     The median income for a household in the county was $42,189, and the median income for a family was $46,452. Males had a
     median income of $36,299 versus $30,981 for females. The per capita income for the county was $20,683. There are 14.4% of
     families living below the poverty line and 17.9% of the population, including 24.2% of under 18 and 10.5% of those over 64.

4.1 Market Segmentation

     In Office Patients

     The bulk of the population, these patients seek out the highest quality care in optometry, typically regardless of price. Most patients
     realize the importance of their vision and will not take chances with respect to their sight.

     Outcall Patients

     These patients will primarily be targeted by [Company Name] as they are less capable of traveling due to illness, handicap or access
     to these services. These patients will be residing in assisted living, mental health or community facilities.

Table: Market Analysis

Market Analysis
                                                             2010             2011           2012             2013           2014
Potential Customers                       Growth                                                                                        CAGR
In Office Patients                          5%            900,000         945,000        992,250         1,041,863      1,093,956      5.00%
Outcall Patients                            5%            900,000         945,000        992,250         1,041,863      1,093,956      5.00%
Total                                    5.00%          1,800,000       1,890,000       1,984,500        2,083,726      2,187,912      5.00%




[Company Name]                                                                                                                       Page 6
                                                        [Company Name]
                                                             2010


                              Market Analysis (Pie)




                                                                                               In Office Patients

                                                                                               Outcall Patients




4.2 Target Market Segment Strategy

    [Name], O.D. will focus its marketing strategies on building market share among the outcall patients. For this customer
    segment, [Name], O.D. will offer a up-to-date equipment and supplies and travel to them which will help the patient to gain increased
    visual acuity with less of a risk of complications.

4.3 Industry Analysis

    This industry comprises establishments of health practitioners having the degree of O.D. (Doctor of optometry) primarily engaged in
    the independent practice of optometry. These practitioners provide eye examinations to determine visual acuity or the presence of
    vision problems and to prescribe eyeglasses, contact lenses and eye exercises. They operate private or group practices in their own
    offices (e.g., centers, clinics) or in the facilities of others, such as hospitals or HMO medical centers, and may also provide the same
    service as opticians, such as selling and fitting prescription eyeglasses and contact lenses.

4.3.1 Competition and Buying Patterns

    Establishing a market value for an optometric practice has long been a process cloaked in mystery for many optometric practitioners.
    The methods of many practice management specialists within the field differ greatly when assigning a value to a practice -- each has
    his "unique" formula. However, the demographics and personality characteristics of the optometric population are changing
    dramatically.

    Primarily, optometry has been revenue dependent upon the retail nature of our business, and although this still continues to be true,
    progressive practitioners report that an increasingly greater proportion of their revenues are currently generated from the provision of
    services. Practices have become more sophisticated in nature. In order to compete, optometrists have had to invest in their office
    infrastructure -- more investment in professional equipment, more continuing education and the increase of automating their office
    processes and lastly the additional costs that are commonly associated with keeping the appearance of the practice current and up to
    date.

5.0 Strategy and Implementation Summary

    The key element in [Company Name]'s strategy is to market its technology to both those performing the procedure as well as to those
    on which the procedure will be performed. Once research data and publicity have been generated, the sales force will step in to
    encourage the initial investment in the laser required for the procedure, creating a "demand push." After this investment has been
    made, a "demand pull" will be generated for the components required for institutions to perform the procedure.

[Company Name]                                                                                                                    Page 7
                                                        [Company Name]
                                                             2010


    Ophthalmologist training for the NICS procedure will be available at six sites throughout the U.S.: San Francisco, Boston, Atlanta,
    Philadelphia, Kansas City and Durham, NC. Each site will have in-depth training sessions led by a prominent ophthalmic surgeon.

    The sales team will begin with six seasoned sales personnel and swell to forty-four members by Year 5. The sales team will work
    closely with laser manufacturers in order to promote the technology to patients and surgeons.

    Those performing the procedure will be able to charge a premium for providing patients with access to this superior technology.

5.1 Competitive Edge

    [Company Name] seeks to establish a competitive edge in its new target market segment by increasing the level of customer contact
    and service that other competitors seem to oftentimes lack. Additionally, [Company Name] possesses the necessary skills to produce
    the high quality care and product that are needed in this field. The establishment of the previously mentioned work processes that will
    ensure greater service will strengthen the contacts that promote word of mouth marketing and networking.

5.2 Marketing Strategy

    The following sections detail the marketing strategy for [Company Name]

5.3 Sales Strategy

    Sales forecast is based on the existing client base of the expertise of the owner of the company and his ability to generate new sales
    based on his contacts. By bringing together Dr. [Name]'s experience and passion for helping the physically impaired, the company will
    be able to generate sales in both areas. Furthermore, the company's growing list of services will generate the growth the company
    needs to survive.

5.3.1 Sales Forecast

    As the following table shows, the company plans to deliver sales of approximately $515,548 in the first year, $531,016 in the second
    year, and $546,945 in the third year plan implementation.

    Los Angeles County (incorporated as the County of Los Angeles) is a county in California and is the most populous county in the
    United States. Figures from the U.S. Census Bureau give an estimated 2009 population of 9,848,011 residents, while the California
    Department of Finance lists a January 1, 2009, estimate of 10,393,185. The county seat is the city of Los Angeles, the largest city in
    California and the second-largest city in the United States.

    The county is home to 88 incorporated cities and many unincorporated areas. The southern portion is the most heavily urbanized area
    and is home to the vast majority of the population which lives along the Southern California coastline and the inland basins and
    valleys. The northern half is a large expanse of less-populated desert including the Santa Clarita Valley and the Antelope Valley,
    which encompasses the northeastern part of the county and is adjacent to Kern County. In between these portions of the county sit
    the San Gabriel Mountains and the vast wilderness known as the Angeles National Forest.




[Company Name]                                                                                                                   Page 8
                                [Company Name]
                                     2010


Table: Sales Forecast

Sales Forecast
                                        2010        2011       2012
Sales
Doctor Visits                        $231,995    $238,956   $246,124
Eyewear and Other Supplies           $283,553    $292,060   $300,821
Total Sales                          $515,548    $531,016   $546,945


Direct Cost of Sales                     2010        2011       2012
Auto Expense                          $22,692     $23,373    $24,074
Glasses, Lenses and Cases             $37,944     $39,082    $40,255
Glasses Laboratory                    $24,852     $25,598    $26,365
Subtotal Direct Cost of Sales         $85,488     $88,053    $90,694




[Company Name]                                                         Page 9
                                                                 [Company Name]
                                                                      2010




                                Sales Monthly
   $60,000


   $50,000


   $40,000

                                                                                        Doctor Visits
   $30,000
                                                                                        Eyewear and Other Supplies

   $20,000


   $10,000


       $0
                                                   Jul
              Jan

                    Feb

                          Mar

                                 Apr



                                             Jun




                                                                      Oct
                                       May




                                                         Aug

                                                               Sep



                                                                            Nov

                                                                                  Dec




                                Sales by Year

   $600,000


   $500,000


   $400,000
                                                                                        Doctor Visits

   $300,000                                                                             Eyewear and Other Supplies


   $200,000


   $100,000


        $0
                     2010                    2011                    2012




[Company Name]                                                                                                       Page 10
                                                          [Company Name]
                                                               2010


5.4 Milestones

    The following are the key milestones for the first year of operations:

    1.   Upgrading equipment to the newest standards in the industry.
    2.   Allowing a budget to travel to more patients in the Los Angeles area.
    3.   Having the inventory of eyewear, lenses and cases to reach the new demand.
    4.   Acquiring the office equipment and supplies needed.
    5.   All other first year milestones are currently on schedule in accordance to the business plan.

Table: Milestones

   Milestones

   Milestone                         Start Date            End Date            Budget                    Manager     Department
   Equipment                          7/1/2010           10/30/2010           $80,000                     [Name]         Owner
   Advertising                        7/1/2010           12/31/2010            $5,700                     [Name]         Owner
   Rent                               7/1/2010            6/30/2011           $30,000                     [Name]         Owner
   Inventory                          7/1/2010            11/1/2010           $25,000                     [Name]         Owner
   Travel                             7/1/2010           12/31/2010            $8,400                     [Name]         Owner
   Auto/Truck Expense                 7/1/2010            6/30/2010            $8,000                     [Name]         Owner

   Totals                                                                    $157,100


6.0 Management Summary

    The sole principal, [Company Name] has impeccable credentials in this industry. This will benefit [Company Name] in two ways:

    1.   Clients will be brought from previous patients, and
    2.   The experience each has will attract new patients.

    [Name] has extensive experience in practice, networking and management within the industry.

6.1 Personnel Plan

    The Personnel Plan chronicles the growth of the organization to approximately 3 employees in the first 3 years. Each year
    may require a few additional people besides those indicated, based on the growth of the company in accordance with the Business
    Plan.

    The company is seeking to have two administrative assistants at $40,000 a year in the first three years of the plan in addition to the
    salary designated for the doctor, [Name], O.D.




[Company Name]                                                                                                                Page 11
                                                       [Company Name]
                                                            2010


Table: Personnel

Personnel Plan
                                                             2010                          2011                           2012
Doctor                                                    $80,004                       $82,404                        $84,876
Administrative                                            $80,004                       $82,404                        $84,876
Total People                                                    3                             3                              3

Total Payroll                                            $160,008                      $164,808                       $169,752


7.0 Financial Plan

    [Company Name] expects to attain $300,000 in grant funding. This provides the bulk of the current financing required.

    The company's financial plan is based on conservative estimates and assumptions. [Company Name] will need to plan on initial
    investment to make the financials work.

7.1 Important Assumptions

    [Company Name] is assuming steady growth from good management, barring any unforeseen local or national disasters such as the
    economic slowdown seen by most of the country during the recession.
    The company is assuming adequate grant funding to sustain the company for the next three years.

7.2 Break-even Analysis

    The Break-even Analysis is based on the average of the first-year figures for total sales and by operating expenses. These
    conservative assumptions make for a more accurate estimate of real risk.

Table: Break-even Analysis

Break-even Analysis

Monthly Revenue Break-even                                                                                              $23,663

Assumptions:
Average Percent Variable Cost                                                                                              17%
Estimated Monthly Fixed Cost                                                                                            $23,662




[Company Name]                                                                                                              Page 12
                                                    [Company Name]
                                                         2010


                                          Break-even Analysis

    $12,000

     $8,000

     $4,000

         $0

    ($4,000)

    ($8,000)

   ($12,000)

   ($16,000)

   ($20,000)


               $0            $7,000          $14,000       $21,000       $28,000       $35,000
                    $4,000            $11,000       $18,000       $25,000       $32,000       $39,000




[Company Name]                                                                                          Page 13
                                                        [Company Name]
                                                             2010


7.3 Projected Profit and Loss

    As the Profit and Loss table shows, [Company Name] expects to continue its steady growth in profitability over the next three years of
    operations.

Table: Profit and Loss

Pro Forma Profit and Loss
                                                                            2010                  2011                 2012
Sales                                                                   $515,548              $531,016             $546,945
Direct Cost of Sales                                                     $85,488               $88,053              $90,694
Other                                                                         $0                    $0                   $0
Total Cost of Sales                                                      $85,488               $88,053              $90,694

Gross Margin                                                            $430,060              $442,963             $456,251
Gross Margin %                                                           83.42%                83.42%               83.42%


Expenses
Payroll                                                                 $160,008              $164,808             $169,752
Sales and Marketing and Other Expenses                                        $0                    $0                   $0

Depreciation                                                               $1,200               $1,188               $1,176
Rent                                                                      $47,184              $48,560              $50,058
Telephone                                                                  $6,624               $6,823               $7,027
Utilities                                                                  $6,120               $6,304               $6,493
Office Expense                                                            $22,656              $23,336              $24,036
Advertising                                                                $5,772               $5,945               $6,124
Billing Company                                                            $5,856               $6,032               $6,213
Insurance                                                                 $23,100              $23,793              $24,507
Legal/Professional Fees                                                    $5,424               $5,586               $5,754

Total Operating Expenses                                                $283,944              $292,375             $301,140

Profit Before Interest and Taxes                                        $146,116              $150,588             $155,111
EBITDA                                                                  $147,316              $151,776             $156,287
 Interest Expense                                                             $0                    $0                   $0
 Taxes Incurred                                                          $36,614               $37,647              $39,424

Net Profit                                                              $109,502              $112,941             $115,687
Net Profit/Sales                                                         21.24%                21.27%               21.15%




[Company Name]                                                                                                                Page 14
                                            [Company Name]
                                                 2010


                                       Profit Monthly
   $18,000

   $16,000

   $14,000

   $12,000

   $10,000

    $8,000

    $6,000

    $4,000

    $2,000

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




                                       Profit Yearly


   $120,000


   $100,000


    $80,000


    $60,000


    $40,000


    $20,000


        $0
                      2010                  2011                     2012




[Company Name]                                                                          Page 15
                                              [Company Name]
                                                   2010


                                  Gross Margin 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




                                      Gross Margin Yearly


   $500,000

   $450,000

   $400,000
   $350,000

   $300,000

   $250,000

   $200,000

   $150,000
   $100,000

    $50,000

        $0
                      2010                    2011                     2012




[Company Name]                                                                            Page 16
                                                        [Company Name]
                                                             2010


7.4 Projected Cash Flow

    Important points to note in Projected Cash Flow are as follows:

        In Year 1 of the business plan, the company expects to attain grant funding in the amount of $300,000.
        The company plans to purchase updated equipment for the practice to better service patients.
        The company plans to keep inventory in stock to drastically cut down on wait-time for glasses, contacts, cases and other
         supplies.

Table: Cash Flow

Pro Forma Cash Flow
                                                                           2010                 2011                2012
Cash Received

Cash from Operations
Cash Sales                                                             $515,548             $531,016            $546,945
Subtotal Cash from Operations                                          $515,548             $531,016            $546,945

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                                                $300,000                   $0                  $0
Subtotal Cash Received                                                 $815,548             $531,016            $546,945

Expenditures                                                               2010                 2011                2012

Expenditures from Operations
Cash Spending                                                          $160,008             $164,808            $169,752
Bill Payments                                                          $225,382             $253,816            $259,652
Subtotal Spent on Operations                                           $385,390             $418,624            $429,404

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

Other Liabilities Principal Repayment                                        $0                   $0                  $0
Long-term Liabilities Principal Repayment                                    $0                   $0                  $0

Purchase Other Current Assets                                                $0                   $0                  $0
Purchase Long-term Assets                                                    $0                   $0                  $0
Dividends                                                                    $0                   $0                  $0
Subtotal Cash Spent                                                    $385,390             $418,624            $429,404

Net Cash Flow                                                          $430,158             $112,392            $117,541
Cash Balance                                                           $430,158             $542,550            $660,091




[Company Name]                                                                                                        Page 17
                                                    [Company Name]
                                                         2010


                                       Cash
   $440,000

   $400,000

   $360,000

   $320,000

   $280,000

   $240,000                                                                           Net Cash Flow

   $200,000                                                                           Cash Balance
   $160,000

   $120,000

    $80,000

    $40,000

        $0
                                                  Jul
              Jan

                    Feb

                          Mar

                                Apr




                                            Jun




                                                                    Oct
                                      May




                                                        Aug

                                                              Sep




                                                                          Nov

                                                                                Dec




[Company Name]                                                                                        Page 18
                                                     [Company Name]
                                                          2010


Table: Balance Sheet

7.5 Projected Balance Sheet

    The following table presents the Balance Sheet for [Company Name]

Table: Balance Sheet

Pro Forma Balance Sheet
                                                                    2010      2011       2012
Assets

Current Assets
Cash                                                            $430,158   $542,550   $660,091
Other Current Assets                                             $20,000    $20,000    $20,000
Total Current Assets                                            $450,158   $562,550   $680,091

Long-term Assets
Long-term Assets                                                $100,000   $100,000   $100,000
Accumulated Depreciation                                          $2,200     $3,388     $4,564
Total Long-term Assets                                           $97,800    $96,612    $95,436
Total Assets                                                    $547,958   $659,162   $775,527

Liabilities and Capital                                             2010      2011       2012

Current Liabilities
Accounts Payable                                                 $22,456    $20,719    $21,397
Current Borrowing                                                     $0         $0         $0
Other Current Liabilities                                             $0         $0         $0
Subtotal Current Liabilities                                     $22,456    $20,719    $21,397

Long-term Liabilities                                                 $0         $0         $0
Total Liabilities                                                $22,456    $20,719    $21,397

Paid-in Capital                                                 $300,000   $300,000   $300,000
Retained Earnings                                               $116,000   $225,502   $338,443
Earnings                                                        $109,502   $112,941   $115,687
Total Capital                                                   $525,502   $638,443   $754,130
Total Liabilities and Capital                                   $547,958   $659,162   $775,527

Net Worth                                                       $525,502   $638,443   $754,130




[Company Name]                                                                             Page 19
                                                        [Company Name]
                                                             2010


7.6 Business Ratios

    The following table presents important ratios from the Offices of Optometrists industry, as determined by the Standard Industry
    Classification (SIC) Index code 8042.

Table: Ratios

Ratio Analysis
                                                               2010               2011               2012        Industry Profile
Sales Growth                                                  0.00%              3.00%              3.00%                 6.56%

Percent of Total Assets
Other Current Assets                                         0.00%              0.00%               0.00%                49.80%
Total Current Assets                                       100.07%            100.14%             100.12%                69.75%
Long-term Assets                                            -0.07%             -0.14%              -0.12%                30.25%
Total Assets                                               100.00%            100.00%             100.00%               100.00%

Current Liabilities                                           1.38%              1.19%              0.75%                25.18%
Long-term Liabilities                                         0.00%              0.00%              0.00%                25.78%
Total Liabilities                                             1.38%              1.19%              0.75%                50.96%
Net Worth                                                    98.62%             98.81%             99.25%                49.04%

Percent of Sales
Sales                                                      100.00%            100.00%             100.00%               100.00%
Gross Margin                                                83.42%             83.42%              83.42%               100.00%
Selling, General & Administrative Expenses                   0.00%            270.33%             131.95%                65.09%

Advertising Expenses                                          0.00%             45.91%             18.45%                 2.37%
Profit Before Interest and Taxes                             28.34%             28.36%             28.36%                 4.99%

Main Ratios
Current                                                        72.73              84.25             133.81                  1.83
Quick                                                          72.73              84.25             133.81                  1.29
Total Debt to Total Assets                                    1.38%              1.19%              0.75%                63.67%
Pre-tax Return on Net Worth                                   9.08%              8.74%              5.47%                28.45%
Pre-tax Return on Assets                                      8.95%              8.64%              5.42%                10.34%




[Company Name]                                                                                                                 Page 20
                            [Company Name]
                                 2010



Additional Ratios                2010         2011         2012
Net Profit Margin              21.24%       21.27%       21.15%    n.a
Return on Equity                6.80%        6.56%        4.08%    n.a

Activity Ratios
Accounts Payable Turnover        10.90        12.17        12.17   n.a
Payment Days                        27           31           30   n.a
Total Asset Turnover              0.32         0.30         0.19   n.a

Debt Ratios
Debt to Net Worth                 0.01         0.01         0.01   n.a
Current Liab. to Liab.            1.00         1.00         1.00   n.a

Liquidity Ratios
Net Working Capital         $1,610,702   $1,724,831   $2,841,694   n.a
Interest Coverage                 0.00         0.00         0.00   n.a

Additional Ratios
Assets to Sales                   3.17         3.28        5.23    n.a
Current Debt/Total Assets          1%           1%          1%     n.a
Acid Test                        72.73        84.25      133.81    n.a
Sales/Net Worth                   0.32         0.31        0.19    n.a
Dividend Payout                   0.00         0.00        0.00    n.a




[Company Name]                                                      Page 21
                                                                         Appendix

Table: Sales Forecast

Sales Forecast
                                        Jan       Feb       Mar       Apr       May       Jun         Jul      Aug       Sep       Oct       Nov       Dec
Sales
Doctor Visits                   0%   $14,575   $15,304   $16,069   $16,872   $17,716   $18,602   $19,532    $20,509   $21,534   $22,611   $23,742   $24,929
Eyewear and Other Supplies      0%   $17,814   $18,705   $19,640   $20,622   $21,653   $22,736   $23,873    $25,067   $26,320   $27,636   $29,018   $30,469
Total Sales                          $32,389   $34,009   $35,709   $37,494   $39,369   $41,338   $43,405    $45,576   $47,854   $50,247   $52,760   $55,398

Direct Cost of Sales                     Jan       Feb       Mar       Apr      May        Jun        Jul       Aug       Sep       Oct       Nov       Dec
Auto Expense                    0%    $1,891    $1,891    $1,891    $1,891    $1,891    $1,891    $1,891     $1,891    $1,891    $1,891    $1,891    $1,891
Glasses, Lenses and Cases       0%    $3,162    $3,162    $3,162    $3,162    $3,162    $3,162    $3,162     $3,162    $3,162    $3,162    $3,162    $3,162
Glasses Laboratory              0%    $2,071    $2,071    $2,071    $2,071    $2,071    $2,071    $2,071     $2,071    $2,071    $2,071    $2,071    $2,071
Subtotal Direct Cost of Sales         $7,124    $7,124    $7,124    $7,124    $7,124    $7,124    $7,124     $7,124    $7,124    $7,124    $7,124    $7,124




                                                                                                                                                       Page 1
                                                                  Appendix

Table: Personnel

Personnel Plan
                           Jan       Feb       Mar       Apr       May       Jun        Jul      Aug       Sep       Oct       Nov       Dec
Doctor             0%    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667
Administrative     0%    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667    $6,667
Total People                 3         3         3         3         3         3         3         3         3         3         3         3


Total Payroll           $13,334   $13,334   $13,334   $13,334   $13,334   $13,334   $13,334   $13,334   $13,334   $13,334   $13,334   $13,334




                                                                                                                                       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                                          $32,389   $34,009   $35,709   $37,494   $39,369   $41,338   $43,405    $45,576   $47,854   $50,247   $52,760   $55,398
Direct Cost of Sales                            $7,124    $7,124    $7,124    $7,124    $7,124    $7,124    $7,124     $7,124    $7,124    $7,124    $7,124    $7,124
Other                                               $0        $0        $0        $0        $0        $0        $0         $0        $0        $0        $0        $0
Total Cost of Sales                             $7,124    $7,124    $7,124    $7,124    $7,124    $7,124    $7,124     $7,124    $7,124    $7,124    $7,124    $7,124

Gross Margin                                   $25,265   $26,885   $28,585   $30,370   $32,245   $34,214   $36,281    $38,452   $40,730   $43,123   $45,636   $48,274
Gross Margin %                                 78.00%    79.05%    80.05%    81.00%    81.90%    82.77%    83.59%     84.37%    85.11%    85.82%    86.50%    87.14%


Expenses
Payroll                                        $13,334   $13,334   $13,334   $13,334   $13,334   $13,334   $13,334    $13,334   $13,334   $13,334   $13,334   $13,334
Sales and Marketing and Other Expenses              $0        $0        $0        $0        $0        $0        $0         $0        $0        $0        $0        $0
Depreciation                                        $0        $0        $0        $0        $0        $0        $0         $0        $0        $0        $0    $1,200
Rent                                            $3,932    $3,932    $3,932    $3,932    $3,932    $3,932    $3,932     $3,932    $3,932    $3,932    $3,932    $3,932
Telephone                                         $552      $552      $552      $552      $552      $552      $552       $552      $552      $552      $552      $552
Utilities                                         $510      $510      $510      $510      $510      $510      $510       $510      $510      $510      $510      $510
Office Expense                                  $1,888    $1,888    $1,888    $1,888    $1,888    $1,888    $1,888     $1,888    $1,888    $1,888    $1,888    $1,888
Advertising                              15%      $481      $481      $481      $481      $481      $481      $481       $481      $481      $481      $481      $481
Billing Company                          15%      $488      $488      $488      $488      $488      $488      $488       $488      $488      $488      $488      $488
Insurance                                15%    $1,925    $1,925    $1,925    $1,925    $1,925    $1,925    $1,925     $1,925    $1,925    $1,925    $1,925    $1,925
Legal/Professional Fees                           $452      $452      $452      $452      $452      $452      $452       $452      $452      $452      $452      $452

Total Operating Expenses                       $23,562   $23,562   $23,562   $23,562   $23,562   $23,562   $23,562    $23,562   $23,562   $23,562   $23,562   $24,762

Profit Before Interest and Taxes                $1,703    $3,323    $5,023    $6,808    $8,683   $10,652   $12,719    $14,890   $17,168   $19,561   $22,074   $23,512
EBITDA                                          $1,703    $3,323    $5,023    $6,808    $8,683   $10,652   $12,719    $14,890   $17,168   $19,561   $22,074   $24,712
 Interest Expense                                   $0        $0        $0        $0        $0        $0        $0         $0        $0        $0        $0        $0
 Taxes Incurred                                   $511      $831    $1,256    $1,702    $2,171    $2,663    $3,180     $3,723    $4,292    $4,890    $5,519    $5,878

Net Profit                                      $1,192    $2,492    $3,767    $5,106    $6,512    $7,989    $9,539    $11,168   $12,876   $14,671   $16,556   $17,634
Net Profit/Sales                                3.68%     7.33%    10.55%    13.62%    16.54%    19.33%    21.98%     24.50%    26.91%    29.20%    31.38%    31.83%




                                                                                                                                                                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                                          $32,389   $34,009   $35,709   $37,494   $39,369   $41,338   $43,405   $45,576    $47,854    $50,247    $52,760    $55,398
Subtotal Cash from Operations                       $32,389   $34,009   $35,709   $37,494   $39,369   $41,338   $43,405   $45,576    $47,854    $50,247    $52,760    $55,398

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   $300,000         $0         $0         $0
Subtotal Cash Received                              $32,389   $34,009   $35,709   $37,494   $39,369   $41,338   $43,405   $45,576   $347,854    $50,247    $52,760    $55,398

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

Expenditures from Operations
Cash Spending                                       $13,334   $13,334   $13,334   $13,334   $13,334   $13,334   $13,334   $13,334    $13,334    $13,334    $13,334    $13,334
Bill Payments                                        $3,595   $17,874   $18,197   $18,623   $19,070   $19,539   $20,032   $20,550    $21,093    $21,664    $22,263    $22,882
Subtotal Spent on Operations                        $16,929   $31,208   $31,531   $31,957   $32,404   $32,873   $33,366   $33,884    $34,427    $34,998    $35,597    $36,216

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 Borrowing                 $0        $0        $0        $0        $0        $0        $0        $0         $0         $0         $0         $0
Other Liabilities Principal Repayment                    $0        $0        $0        $0        $0        $0        $0        $0         $0         $0         $0         $0
Long-term Liabilities Principal Repayment                $0        $0        $0        $0        $0        $0        $0        $0         $0         $0         $0         $0
Purchase Other Current Assets                            $0        $0        $0        $0        $0        $0        $0        $0         $0         $0         $0         $0
Purchase Long-term Assets                                $0        $0        $0        $0        $0        $0        $0        $0         $0         $0         $0         $0
Dividends                                                $0        $0        $0        $0        $0        $0        $0        $0         $0         $0         $0         $0
Subtotal Cash Spent                                 $16,929   $31,208   $31,531   $31,957   $32,404   $32,873   $33,366   $33,884    $34,427    $34,998    $35,597    $36,216

Net Cash Flow                                       $15,460    $2,801    $4,178    $5,537    $6,965    $8,465   $10,039   $11,692   $313,427    $15,249    $17,163    $19,182
Cash Balance                                        $15,460   $18,261   $22,439   $27,976   $34,942   $43,407   $53,445   $65,138   $378,564   $393,813   $410,976   $430,158




                                                                                                                                                                         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    $15,460    $18,261    $22,439    $27,976    $34,942    $43,407    $53,445    $65,138   $378,564   $393,813   $410,976   $430,158
Other Current Assets                      $20,000    $20,000    $20,000    $20,000    $20,000    $20,000    $20,000    $20,000    $20,000    $20,000    $20,000    $20,000    $20,000
Total Current Assets                      $20,000    $35,460    $38,261    $42,439    $47,976    $54,942    $63,407    $73,445    $85,138   $398,564   $413,813   $430,976   $450,158

Long-term Assets
Long-term Assets                     $100,000       $100,000   $100,000   $100,000   $100,000   $100,000   $100,000   $100,000   $100,000   $100,000   $100,000   $100,000   $100,000
Accumulated Depreciation               $1,000         $1,000     $1,000     $1,000     $1,000     $1,000     $1,000     $1,000     $1,000     $1,000     $1,000     $1,000     $2,200
Total Long-term Assets                $99,000        $99,000    $99,000    $99,000    $99,000    $99,000    $99,000    $99,000    $99,000    $99,000    $99,000    $99,000    $97,800
Total Assets                         $119,000       $134,460   $137,261   $141,439   $146,976   $153,942   $162,407   $172,445   $184,138   $497,564   $512,813   $529,976   $547,958

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

Current Liabilities
Accounts Payable                           $3,000    $17,267    $17,577    $17,987    $18,419    $18,872    $19,348    $19,847    $20,372    $20,923    $21,501    $22,108    $22,456
Current Borrowing                              $0         $0         $0         $0         $0         $0         $0         $0         $0         $0         $0         $0         $0
Other Current Liabilities                      $0         $0         $0         $0         $0         $0         $0         $0         $0         $0         $0         $0         $0
Subtotal Current Liabilities               $3,000    $17,267    $17,577    $17,987    $18,419    $18,872    $19,348    $19,847    $20,372    $20,923    $21,501    $22,108    $22,456

Long-term Liabilities                          $0         $0         $0         $0         $0         $0         $0         $0         $0         $0         $0         $0         $0
Total Liabilities                          $3,000    $17,267    $17,577    $17,987    $18,419    $18,872    $19,348    $19,847    $20,372    $20,923    $21,501    $22,108    $22,456

Paid-in Capital                            $0             $0         $0         $0         $0         $0         $0         $0         $0   $300,000   $300,000   $300,000   $300,000
Retained Earnings                    $106,887       $116,000   $116,000   $116,000   $116,000   $116,000   $116,000   $116,000   $116,000   $116,000   $116,000   $116,000   $116,000
Earnings                               $9,113         $1,192     $3,684     $7,452    $12,558    $19,070    $27,059    $36,598    $47,766    $60,642    $75,312    $91,868   $109,502
Total Capital                        $116,000       $117,192   $119,684   $123,452   $128,558   $135,070   $143,059   $152,598   $163,766   $476,642   $491,312   $507,868   $525,502
Total Liabilities and                $119,000       $134,460   $137,261   $141,439   $146,976   $153,942   $162,407   $172,445   $184,138   $497,564   $512,813   $529,976   $547,958
Capital

Net Worth                            $116,000       $117,192   $119,684   $123,452   $128,558   $135,070   $143,059   $152,598   $163,766   $476,642   $491,312   $507,868   $525,502




                                                                                                                                                                             Page 5
                                                               Appendix

INFORMATION AND FORMS ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND
INCLUDING WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, OR FITNESS
FOR ANY PARTICULAR PURPOSE. IN NO EVENT SHALL DOCSTOC, INC., OR ITS AGENTS, OFFICERS, ATTORNEYS,
ETC., BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF
PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION) ARISING OUT OF THE USE OF OR INABILITY TO USE
THE MATERIALS, EVEN IF DOCSTOC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. They are for
guidance and should be modified by you or your attorney to meet your specific needs and the laws of your state or jurisdiction. Use at
your own risk. Docstoc® is NOT providing legal or any other kind of advice and is not creating or entering into an Attorney-Client
relationship. The information, reports, and forms are not a substitute for the advice of your own attorney. The law is a personal matter
and no general information or forms or like the kind Docstoc provides can always correctly fit every circumstance.

Note: Carefully read and follow the Instructions and Comments contained in this document for your customization to suit your specific
circumstances and requirements. You will want to delete the Instructions and Comments from open bracket (“[“) to close bracket (“]”)
after reading and following them. You (or your attorney) may want to make additional modifications to meet your specific needs and the
laws of your state. The Instructions and Comments are not a substitute for the advice of your own attorney.

◊ Where within this document you see this symbol: ◊ or an instruction states “Insert any number you choose◊,” or something similar, or
there is a blank for the user to complete, please note that although Docstoc believes the information or number may be any that the user
chooses, and that there is no law governing what the information or number should be, you might want to verify this, including by
consulting with your own attorney practicing in your state. Because the law is different from jurisdiction to jurisdiction and the laws are
subject to change, Docstoc cannot guarantee—and disclaims all guarantees—that it is correct for the information or number to be
anything that the user chooses.

The information, forms, instructions, tips, comments, decision tree alternatives and choices, reports, and services in and through Docstoc
are not legal advice, but are general information / forms on general issues often encountered designed to help Docstoc users, members,
purchasers, and subscribers address their own needs. But information, including tips, general forms, instructions, comments, decision
tree alternatives and choices, and reports, no matter how seemingly customized to conform to the laws and regulations applicable to you,
is not the same as legal advice, which may be the specific application of laws and regulations by lawyers licensed to practice law in your
state to the specific circumstances and needs of individuals and entities. Some states, counties, municipalities, and other governmental
divisions, have highly specific laws and regulations, and our information / forms / reports may not take all those specific laws and
regulations into consideration, although we tried to do so.

Docstoc is not a law firm and the employees and contractors (including attorneys, if any) of Docstoc are not acting as your attorneys, and
none of them are a substitute for the advice of your own attorney licensed to practice law in your state. The employees or contractors of
Docstoc, who wrote or modified any form, instructions, tips, comments, decision tree alternatives and choices, and reports, are NOT
providing legal or any other kind of advice and are not creating or entering into an Attorney-Client relationship. Any such form,
instruction, tips, comments, decision tree alternatives and choices, and reports were most likely NOT prepared or reviewed by an
attorney licensed to practice law in your state, and, therefore, the employees or contractors could not provide you with legal advice even
if they or Docstoc wanted to. Even though we take every reasonable effort to attempt to make sure our information / forms / reports are
accurate, up to-date, and useful, we recommend that you consult a lawyer licensed to practice law in your state if you want professional
assurance that our information, forms, instructions, tips, comments, decision tree alternatives and choices, and reports; your
interpretation of it or them; and the information and input that you provide are appropriate to your particular situation. Application of
these general principles and wording to particular circumstances should be done by a lawyer who has consulted with you in confidence,
learned all relevant information, and explored various options. Before acting on these general principles and general wording, you might
want to hire a lawyer licensed to practice law in the jurisdiction to which your question pertains. The information, forms, instructions,
tips, comments, decision tree alternatives and choices, and reports, available on and through Docstoc are not legal advice and are not
guaranteed to be correct, complete, accurate, or up-to-date. Because the law is different from jurisdiction to jurisdiction, they are subject
to changes, and there are varying interpretations and applications by different courts and governmental and administrative bodies, and
Docstoc cannot guarantee—and disclaims all guarantees—that the information, forms, and reports on or through the site and services are
completely current or accurate. Please further note that laws change and are regularly amended; therefore, the provisions, names, and
section numbers of statutes, codes, or regulations, and the types of permits or licenses within any forms or reports, may not be 100%
correct, as they may be partially or wholly out of date and some relevant ones may have been omitted or misinterpreted.
Docstoc is not permitted to engage in the practice of law. Docstoc is prohibited from providing any kind of advice, explanation,
opinion, or recommendation to a consumer about possible legal rights, remedies, defenses, options, selection, or completion of
forms or strategies.
Communications between you and Docstoc may be protected by our Privacy Policy (http://premium.docstoc.com/privacypolicy), but are
NOT protected by the attorney-client privilege or work product doctrine since Docstoc is not a law firm and is not providing legal
advice. No Docstoc employee, contractor, or attorney is authorized to provide you with any advice about what information
(again, which includes forms) to use or how to use or complete it or them.

Entire      document        copyright       ©       Docstoc®,        Inc.,      2010       -      2013        All      Right       Reserved




                                                                                                                                   Page 6
                                                               Appendix


								
To top