Business Plan for Skin Care

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This Business Plan for a Skin Care 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 Skin Care
This Business Plan for a Skin Care 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 LOGO HERE

                            [Your Company Name]
                                  [Your Name] , Owner


                                  BUSINESS PLAN 20__




© Copyright 2012 Docstoc Inc.                           1
                                             Confidentiality Agreement

The undersigned reader acknowledges that the information provided by [Your Company Name] in this business
plan is confidential; therefore, reader agrees not to disclose it without the express written permission of [Your
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 [Your Company Name]

Upon request, this document is to be immediately returned to [Your 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 ..........................................................................................................................................2
   1.2 Mission ..............................................................................................................................................2
   1.3 Keys to Success .................................................................................................................................2
2.0 Company Summary ...............................................................................................................................2
   2.1 Company Ownership .........................................................................................................................2
   2.2 Start-up Summary ..............................................................................................................................2
      Table: Start-up .....................................................................................................................................3
3.0 Products .................................................................................................................................................4
4.0 Market Analysis Summary ....................................................................................................................4
   4.1 Market Segmentation.........................................................................................................................6
      Table: Market Analysis........................................................................................................................6
   4.2 Target Market Segment Strategy .......................................................................................................8
   4.3 Industry Analysis ...............................................................................................................................8
      4.3.1 Competition and Buying Patterns ...............................................................................................8
5.0 Strategy and Implementation Summary ................................................................................................9
   5.1 SWOT Analysis .................................................................................................................................9
      5.1.1 Strengths .....................................................................................................................................9
      5.1.2 Weaknesses.................................................................................................................................9
      5.1.3 Opportunities ............................................................................................................................10
      5.1.4 Threats ......................................................................................................................................10
   5.2 Competitive Edge ............................................................................................................................10
   5.3 Marketing Strategy ..........................................................................................................................10
   5.4 Sales Strategy...................................................................................................................................10
      5.4.1 Sales Forecast ...........................................................................................................................11
         Table: Sales Forecast ................................................................................................................11
   6.1 Personnel Plan .................................................................................................................................13
      Table: Personnel ................................................................................................................................13
7.0 Financial Plan ......................................................................................................................................14
   7.1 Start-up Funding ..............................................................................................................................14
      Table: Start-up Funding .....................................................................................................................14
   7.2 Important Assumptions....................................................................................................................15
   7.3 Projected Profit and Loss.................................................................................................................16
      Table: Profit and Loss........................................................................................................................16
   7.4 Projected Cash Flow ........................................................................................................................17
      Table: Cash Flow ...............................................................................................................................17
      Table: Balance Sheet .........................................................................................................................18
   7.7 Business Ratios ................................................................................................................................19
      Table: Ratios ......................................................................................................................................19




                                                                                                                                                    Page 1
                                      [Your Company Name]

1.0 Executive Summary

   INTRODUCTION

   [Your Company Name] is a provider of skin care products including exfoliators, cleansers and moisturizers.
    [Your Company Name] will sell its product line to boutique retail establishments, cosmetic outlets and through
   the Company's fully functional e-commerce website.

   [Your Name] has several years of experience in the skin care industry. She has worked as a skin care
   specialist for her own salon in [Your City] that she has established in [Year] . She has maintained her
   contacts in the industry and has several key contacts that have already agreed to aid in creating the branding
   and with the promotion of the new skin care line.

   EXAMPLE

   [Your Name] is a veteran beauty expert, skin care specialist and licensed esthetician who brings years of
   experience in organic skin care from New York's Madison Avenue to the beaches of Los Angeles. [Your
   Name] Skincare provides a wide range of comprehensive signature skin treatments at her exclusive skin
   care studio. She approaches every client's unique skin concerns with tailored treatments based on detailed
   skin analysis. Known for quick and consistent results, [Your Name] combines cutting-edge technology with a
   personable approach that makes her clients comfortable and confident. She is passionate about helping
   people change the way they think about and care for their skin. [Your Name] is also a well-known painter,
   walks to work every day and is truly a reflection of the spirit of her Venice neighborhood.

   THE MARKET

   The skin care industry is a multi-billion dollar business, estimated to be worth USD 43 billion per year. It has
   steadily grown in the past years, and is expected to grow 6.8% more this year. Europe and the US are the
   biggest markets of the industry, accounting for over 50% of global skin care sales.

   Much research and marketing are being poured into certain segments of the skin care industry. Recently,
   there has been a resurgence of natural/herbal products. Men who are becoming more aware about grooming
   are driving the men's skin care industry, which is rapidly growing as well.

   OPPORTUNITY

   The competitive advantage of [Your Company Name] is the consistent quality of the ingredients that are at
   the core of each product. The products will be tested locally with [Your Name] 's clientele, as she has
   been developing and establishing the customer satisfaction level demanded by [Your Company Name] .

   FINANCIAL PLAN

   [Your Name] is seeking investor funding in the amount of $X. The start-up expense for the [Your Company
   Name] is focused primarily on production of the product line, stability testing, branding and marketing
   campaigns.

   There is great potential in making high profits within the first three years of operations. [Your Name] feels
   confident about her abilities, experience and her passion for skin care and giving back to the community by
   providing art kits for non-profit organizations, further cross-marketing the [Your Company Name] products
   and giving back to the community.




                                                                                                           Page 1
                                         [Your Company Name]

1.1 Objectives

   The objectives for [Your Company Name] are as follows:

      Achieve sales goal of $X during first year of operation.
      Achieve a regular customer base of 10 retail outlets as distributors of the products.
      Increase sales during the second year of operation.

1.2 Mission

   The      mission     of   [Your   Company      Name]     is    to   create result   oriented natural  and
   scientifically formulated products that heal, sooth, exfoliate and cleanse our customers' skin, increasing
   longevity and a youthful appearance. [Your Company Name] also intends to work closely with non-profit
   organizations by contributing packaged art kits while promoting the skin care product line.

1.3 Keys to Success

   1. Marketing power. [Your Company Name] needs to have the Company's products on the shelves with
      attractive packaging and enough marketing power to maintain a 5% or more market share, as measured
      by PC Data.
   2. Product quality and customer satisfaction. Everything [Your Company Name] sells is guaranteed, so the
      product has to do what is promised and well.
   3. Long-term customer satisfaction is critical to the skin care line's survival.
   4. The right management team with strong foundations in marketing, management, finance, and product
      development.
   5. Enough working capital to survive in the working-capital-intensive retail channel.

2.0 Company Summary

   [Your Company Name] is a provider of skin care products including serums, cleansers and moisturizers.
    [Your Company Name] will sell its product line to boutique retail establishments, cosmetic outlets and through
   the Company's fully functional e-commerce website.

   [Your Name] has been a practicing artist for many years and feels extremely passionate not only about the
   health and well-being of people and how they treat their skin, but also about how all can have a better
   influence in the world with their decisions and choices people make.

2.1 Company Ownership

   The Company is organized as an S-Corporation in the State of [Your State] as of 2011. It has operated as a
   sole-proprietorship from [Year] to 2011. [Your Company Name] is owned by Alexander Wagner.

2.2 Start-up Summary

   The start-up expense for the [Your Company Name] is focused primarily on production of the product line,
   stability testing, branding and marketing campaigns.

             The establishment of a corporate identity.
             The establishment of a location and place of doing business.
             Funding of working capital requirements, purchases of other equipment and assets deemed
              necessary for the principle operating activities of the company and additional capital raising
              alternatives.
             Initiation of Research and Development of existing and future products.

                                                                                                               Page 2
                          [Your Company Name]

Table: Start-up

Start-up

Requirements

Start-up Expenses
Legal                                           $0
Stationery etc.                                 $0
Insurance                                       $0
Rent                                            $0
Computer                                        $0
Other                                           $0
Total Start-up Expenses                         $0

Start-up Assets
Cash Required                                   $0
Other Current Assets                            $0
Long-term Assets                                $0
Total Assets                                    $0

Total Requirements                              $0




                                                     Page 3
                                       [Your Company Name]

3.0 Products

   The product line of [Your Company Name] is as follows:

      [Your Company Name]     Product
      [Your Company Name]     Product
      [Your Company Name]     Product
      [Your Company Name]     Product

   INSERT CONFIDENTIAL INFORMATION HERE

4.0 Market Analysis Summary

   The skin care industry is a multi-billion dollar business, estimated to be worth USD 43 billion per year. It has
   steadily grown in the past years, and is expected to grow 6.8% more this year. Europe and the US are the
   biggest markets of the industry, accounting for over 50% of global skin care sales.

   Much research and marketing are being poured into certain segments of the skin care industry. Recently,
   there has been a resurgence of natural/herbal products. Men who are becoming more aware about grooming
   are driving the men's skin care industry, which is rapidly growing as well.

   Commercially prepared skincare products sold to consumers include products for moisturizing and cleansing
   the face, hands and body, as well as products for combating the effects of aging on skin. The products come
   in wide variety of packaging and forms such as creams, serums and lotions. The skincare market can be
   broadly classified into the following definitions:

      Facial cleansers remove the grease, dirt, oil and makeup collected in the pores of the skin by interacting
       with the moisture barrier in the skin's surface, altering the skin's pH. While the moisture barrier is a
       protective layer, which preserves water and natural oils to moisturize and maintain the smoothness and
       flexibility of the skin, pH level of the skin is critical in the proper functioning of the moisture barrier.
       Harsher cleansers tend to disrupt/damage the moisture barrier and affect the pH balance of the skin while
       milder products maintain a natural pH balance and are more sensitive to the skins layer.
      Facial moisturizers protect the skin's natural defenses against the environment while controlling moisture
       loss from the skin. Dry skin with low water content tends to fissure, which makes it prone to bacterial and
       fungal infection. By providing hydration to the skin, moisturizers prevent dryness leading to irritations,
       soreness and flakiness. In addition, moisturizers sooth and soften the skin, thereby reducing the impact of
       lines and wrinkles.
      Anti-aging preparations, or "treatment products," include hydrating creams, wrinkle reducers, eye creams,
       lift serums, and so on. They are used to mask or retard signs of aging, such as puffiness and crow's feet.
       Anti-aging products for both face and body are positioned on the benefits of preventing premature aging,
       reducing wrinkles or firming skin. The products normally come with standard moisturizing ingredients to
       soothe and soften the skin and specialty ingredients, to minimize wrinkles and replenish the skin. Some
       anti-aging products boost the rate of skin removal and help to slow the aging process. Products are also
       designed for certain areas of the skin, such as around the eyes.
      Hand and body lotions are similar to facial moisturizers but they are usually thicker and heavier in order to
       leave a more durable protective coating. Body moisturizers, particularly hand lotions, are often oil-based
       and water repellant, staying on even after being rinsed by water. These products help to hydrate the skin.

   Even During Recession Anti-Aging Skin Care Industry Has Record Setting Year in 2010

   This current recession has many people scrambling to make adjustments to their lifestyles and specifically
   where they spend their money. We have read of people spending less money at the supermarket, cutting
   back on certain foods to make ends meet. People are using their automobiles less so they can save o fuel
   and repairs; they are dining out less often too. The purchase of luxury items has all but ceased as people
                                                                                                            Page 4
                                   [Your Company Name]

reevaluate their spending habits. Instead of the movie, theater people will rent movies to watch at home,
subscriptions to newspapers and magazines are not renewed. Flea markets and online auctions do a brisk
business, and driving the same car for a couple extra years is common.

If you recognize yourself in any of these, you fall into the category of the average consumer during
recessionary times. All of the above tactics are used to save money and to maximize spending potential
beyond the norm.

Even though people in general have drastically cut back their spending, pinching pennies wherever they can,
Americans in particular are still making a point to spend their precious dollars on anti-aging lotions and
serums at phenomenal levels. Being broke is no reason to let yourself go in the appearance department,
people want to look good regardless of how tough economic times are. It makes them feel good about
themselves or at the very least, somewhat better, when evaluated against the trying times being experienced
globally.

Do not think the industry has not noticed this trend; they are quite in focus with the market and are still
developing novel product ideas as well as services to gratify what is obviously a voracious requirement from
consumers. Individuals are finding ways to wring a few extra bucks from already slender funds so they can
indulge themselves in these anti-aging products and services. These products make claims to be the pathway
to the fountain of youth and with so many baby boomers beginning to suffer the effects of age progression, it
makes them an easy target for many of these products. They may be headed to the poor house and getting
older but there is no reason to look aged and destitute.

The Mintel Market Research Company claims that the marketplace for anti-aging skin care has matured
swiftly over the last several years. Sales in the United States have risen thirteen percent between the years
[Year] and 2008, outselling the ordinary facial skin care market, which grew by only eleven percent during
that same time frame. Mintel firmly believes the market will continue to remain quite vigorous in the next five
years, expecting it to increase by a further twenty percent by the year 2013 alone. In 2008, anti-aging skin
care product purchases enjoyed sales of more than 1.6 billion dollars.

Obviously, people have their priorities straight during tough economic times. No matter how difficult things get
financially, one must always appear unscathed by the situation. This means looking good to those around
you. Many people also have been practicing anti-aging therapies for a number of years and consider it an
investment, one that they are unwilling to relinquish. To stop using certain products because of tough financial
times would mean potentially losing any age defying progress they have made to that point.

Sales of professional skin care products rebounded in Europe and the US in 2010, according to latest Kline
research.

While Japan remained flat with 0.1% growth, a rise in visits to professional outlets for skin care treatments
gave way to sales growth for the professional skin care products market in the US and Europe. According
Kline & Company’s recently released study, Europe posted a 3.0% increase in 2010, following a 3.3% decline
in 2009, and sales in the United States increased by 2.7% in 2010.

Medical care brands

Growth in the US was stimulated by brands of medical care providers, such as SkinMedica and
SkinCeuticals, which posted double-digit gains. Market leader Obagi, entrenched in the medical care
providers segment, and maintained its leading position in the U.S. market, experiencing a 13% sales gain for
the year. In Europe and Japan, Guinot was the leading brand in 2010.




                                                                                                        Page 5
                                      [Your Company Name]

   Sales channels

   Spas and salons remains the largest purchase channel in the United States, but Kline says their market share
   is declining due to stiff competition from other channels and a market increasingly focusing on facial
   treatments. Beauty institutes are the leaders in both Europe with 59% and Japan with nearly 68% of market
   share. Marketers also want to appeal to a wider group of consumers, such as teenagers, mature clients,
   pregnant women, and men, by expanding their portfolio with specifically targeted product lines.

   Introducing smaller sizes of products for retail to appeal to a more frugal consumer would be another strategy
   to consider, suggests Karen Doskow, Industry Manager at Kline’s Consumer Products Practice.

   Growth forecasts

   Over the next five years the market is expected to increase at a compound annual growth rate of 4.2% in
   Europe, 6.7% in the United States.

4.1 Market Segmentation

   [Your Company Name]will focus on two target market segments:

      Online Sales - Research shows that online consumers will spend $274 million dollars this coming holiday
       season per marketing trends reported by CosmeticsDesign.com.
      Storefront Sales - According to NPD, the total U.S. prestige beauty industry showed an increase of 4% in
       dollar sales in 2010 compared with 2009, after two consecutive years of decline.

   * NPD Group defines prestige beauty as products sold mainly in U.S. department stores.

Table: Market Analysis

Market Analysis
                                                Year 1     Year 2     Year 3     Year 4     Year 5
Potential Customers              Growth                                                                 CAGR
Skin Care Sales Online               5%      1,800,000     20,200     20,402     20,606     20,812     67.21%
Skin Care Sales Storefront           2%         36,000      4,080      4,162      4,245      4,330     41.11%
Total                            65.79%      1,836,000     24,280     24,564     24,851     25,142     65.79%




                                                                                                         Page 6
              [Your Company Name]


Market Analysis (Pie)




                              Skin Care Sales Online

                              Skin Care Sales Storefront




                                                           Page 7
                                        [Your Company Name]

4.2 Target Market Segment Strategy

    Skin care products dominate sales but herbal beauty products have been growing in popularity each year.

    There are 10,000 skin care product companies that are competing for market share among consumers. Most
    of these companies are regionally focused but 15% of these companies distribute their products nationally.
    This is compared to only 2,000 herbal beauty product companies. Most of these companies also only
    compete regionally though there are a handful (4%) that dominate the national market. As sales grow in
    herbal beauty product, more new companies will enter the marketplace.

    [Your Company Name] will focus on the small companies serving the West Coast regional market. Many of
    these smaller companies aggressively seek out new products that they can add to their product line. The cost
    of manufacturing all these items themselves is prohibitive so they contract with third party vendors to supply
    product.

    [Your Company Name] will also be actively pursuing licensing the product and branding to large high-end skin
    care companies exclusively.

4.3 Industry Analysis

    Technological advances utilizing drug discovery approaches such as high-throughput screening, animal
    model systems, nanotechnology and biochemical assays have helped create a new generation of
    scientifically advanced skin care and cosmetic products. Although these new products do not make drug
    claims, they rely on many of the same techniques to deliver ingredients. At the same time, advances in
    delivery technology have created new opportunities in the formulation of cosmeceuticals. They can now be
    administered through many routes by a variety of delivery systems.

    The skin care industry needs a facelift since the sales of facial moisturizers and sun care were flat and the
    hand and body lotion category declined. The R&D challenge is to develop the know-how to deliver active
    ingredients to skin while maintaining their maximum therapeutic effect. Technological advances utilizing drug
    discovery approaches such as high-through put screening, animal model systems, nanotechnology and
    biochemical assays has helped create a new generation of scientifically-advanced skin care and cosmetic
    products. Novel cosmeceutical ingredients are enjoying the "hot new and unique ingredients" status in a fairly
    mature U.S. skin care cosmetics industry. They are added in topical formulations before there is a solid body
    of scientific evidence to support their therapeutic performance. These new consumer-friendly ingredients are
    in products that mimic the effects of more drastic methods, such as dermabrasion and Botox.


4.3.1 Competition and Buying Patterns

    Quality and timeliness are the essential factors in being successful as a supplier to a skin care product
    company. This is especially true when the product is re-packaged as part of a gift basket or special
    promotion. A delay in delivery will impact the company's ability to meet delivery deadlines.

    Quality is also an important factor because word of mouth is one of the strongest marketing tools with skin
    care products. The local success of skin care product many times leads to a larger company procuring the
    product for their line.

    [Your Name] will sell her high quality skin care products at trade shows and beauty related conventions in
    the region for the next five years. The popularity and customer satisfaction of these products will be
    an important selling point when any major department store brand first approaches [Your Name]       about
    licensing her skin care products.



                                                                                                          Page 8
                                      [Your Company Name]

5.0 Strategy and Implementation Summary

   [Your Company Name] will focus first on building a client base with skin care spas and salons. [Your Name]
   and her trusted contacts and associates will be responsible for marketing the company's services to potential
   customers.

5.1 SWOT Analysis

   The following SWOT analysis captures the key strengths and weaknesses within the Company and describes
   the opportunities and threats facing [Your Company Name] .

5.1.1 Strengths

      Strong relationships with suppliers that offer credit arrangements, flexibility, and response to special
       product requirements.
   Excellent personalized customer service with distributors and online customers.
    Strong merchandising and product presentation.
   Good referral relationships with complementary vendors, public relations firms and some designers.
   In-store complementary products through [Your Company Name] , the salon, add interest, stability and
   revenue.

   High customer loyalty among repeat and high-dollar purchase customers.

5.1.2 Weaknesses

      Access to additional operating capital.
      Owner will be climbing the "retail experience curve."
      Challenges of the seasonality of the business.




                                                                                                        Page 9
                                       [Your Company Name]

5.1.3 Opportunities

       Growing market with a significant percentage of the target market still not knowing [Your Company Name]
        exists.
     Strategic alliances offering sources for referrals and joint marketing activities to extend the
        Company's reach.
     Promising activity from high levels of online skin care purchases.
     Increasing sales opportunities beyond a "100-mile" target area including several smaller beauty industry
        communities that have produced a faithful following of customers.
    Internet potential for selling products to other markets countrywide and overseas.

5.1.4 Threats

       The downturn in the economy has impacted store sales--stock market predictors correlate with store
        sales. It has not been good since 2008.
       Competition from a national brand already established; or a brand with greater financing or product
        resources could enter the market.
       Continued price pressure due to competition or the weakening market reducing contribution margins.
       Dramatic changes in production and manufacturing creates obsolete or less profitable inventory.

5.2 Competitive Edge

    The competitive advantage of [Your Company Name] is the consistent quality of the ingredients that are at
    the core of each product. The products will be tested locally with [Your Name] 's clientele, as she has
    been developing and establishing the customer satisfaction level demanded by [Your Company Name] .

5.3 Marketing Strategy

    [Your Name] will market the company's product line regionally and, more importantly, online. She will
    coordinate her fair participation with presentation meetings with public relations and product placement
    company representatives in the health and beauty industry. In addition she will regularly send free samples to
    her potential distributors so that they can experience the quality of her products first hand.

    [Your Name] will launch the [Your Company Name] website. The site will be designed to promote her
    products, list a calendar of her trade show appearances, and, initially, offer a selection or her most popular
    products for direct online sales. She will rely on the experts at http://redtettemer.com/ Internet and E-
    commerce consultants for the design, hosting, branding and search engine placement of the website.

5.4 Sales Strategy

    [Your Name] has several years of experience in the skin care industry. She has worked as a skin care
    specialist for her own salon in Venice Beach that she has established in 2006. She has maintained her
    contacts in the industry and has already several key contacts that have already agreed to aid in creating the
    branding and with the promotion of the new skin care line.

    [Your Name] will build on these successes and market her product line to boutique retail companies through
    a product placement and public relations agency.




                                                                                                         Page 10
                                       [Your Company Name]

5.4.1 Sales Forecast

    [Your Company Name] anticipates that sales will start quickly. The following sales forecast table and chart
    are for three years. Monthly figures for the first year are in the appendix.

Table: Sales Forecast

Sales Forecast
                                                               Year 1           Year 2           Year 3
Sales
Row 1                                                              $0               $0               $0
Row 2                                                              $0               $0               $0
Row 3                                                              $0               $0               $0
Total Sales                                                        $0               $0               $0


Direct Cost of Sales                                           Year 1           Year 2           Year 3
Row 1                                                              $0               $0               $0
Row 2                                                              $0               $0               $0
Row 3                                                              $0               $0               $0
Subtotal Direct Cost of Sales                                      $0               $0               $0




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                                      [Your Company Name]

6.0 Management Summary

   The Company recognizes that initially it will have management gaps. The Company is seeking to fill these
   positions, and should the Company requires the services of one or more of these positions, the Company will
   hire a consultant to fill the role of a virtual executive as the immediate need presents itself.

   [Your Name] , Founder and Principal

   [Your Name] is a veteran beauty expert, skin care specialist and licensed esthetician who brings years of
   experience in organic skin care from New York's Madison Avenue to the beaches of Los Angeles. [Your
   Name] Skincare provides a wide range of comprehensive signature skin treatments at her exclusive skin
   care studio. She approaches every client's unique skin concerns with tailored treatments based on detailed
   skin analysis. Known for quick and consistent results, Alexandra combines cutting-edge technology with a
   personable approach that makes her clients comfortable and confident. She is passionate about helping
   people change the way they think about and care for their skin. Alexandra is also a well-known painter, walks
   to work every day and is truly a reflection of the spirit of her Venice neighborhood.

   [Your Name] is also a talented and experienced artist. She trained at the Savannah College of Art and
   Design and earned her BFA of Printmaking and Sculpture at the University of Colorado. She has had her
   work exhibited in solo and group showings around the country. She has also participated in 2008 with
   Cambodia to Paint with children affected with HIV. Also in 2008, [Your Name] worked on a documentary on
   healing medicines of the Amazon Rainforest. She traveled extensively in Spain, Portugal, France, Greece,
   Italy, India, Nepal, South East Asia, and Central America.




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                                      [Your Company Name]

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.

Table: Personnel

Personnel Plan
                                                             Year 1             Year 2              Year 3
Name or Title or Group                                          $0                 $0                  $0
Name or Title or Group                                          $0                 $0                  $0
Name or Title or Group                                          $0                 $0                  $0
Total People                                                      0                  0                   0

Total Payroll                                                    $0                  $0                 $0




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                                            [Your Company Name]

7.0 Financial Plan

    The following topics cover the financial plan for [Your Company Name] . The tables show annual figures.
    Monthly numbers for the first year are in the appendix.

7.1 Start-up Funding

    [Your Company Name] start-up costs are detailed above, in the Start-up Table. The following table shows
    how these start-up costs will be funded by investor capital.

Table: Start-up Funding

Start-up Funding
Start-up Expenses to Fund                                                                      $0
Start-up Assets to Fund                                                                        $0
Total Funding Required                                                                         $0

Assets
Non-cash Assets from Start-up                                                                  $0
Cash Requirements from Start-up                                                                $0
Additional Cash Raised                                                                         $0
Cash Balance on Starting Date                                                                  $0
Total Assets                                                                                   $0



Liabilities and Capital

Liabilities
Current Borrowing                                                                              $0
Long-term Liabilities                                                                          $0
Accounts Payable (Outstanding Bills)                                                           $0
Other Current Liabilities (interest-free)                                                      $0
Total Liabilities                                                                              $0

Capital

Planned Investment
Owner                                                                                          $0
Investor                                                                                       $0
Additional Investment Requirement                                                              $0
Total Planned Investment                                                                       $0

Loss at Start-up (Start-up Expenses)                                                           $0
Total Capital                                                                                  $0



Total Capital and Liabilities                                                                  $0


                                                                                                    Page 14
                                     [Your Company Name]

Total Funding                                                                                   $0

7.2 Important Assumptions

   The financial plan depends on important assumptions, most of which are shown in the following table. The
   key underlying assumptions are:

      [Your Company Name] assumes a slow-growth economy, without further recession.
      The Company assumes of course that there are no unforeseen changes in technology to make products
       immediately obsolete.
      [Your Company Name assumes access to equity capital and financing sufficient to maintain the financial
       plan as shown in the tables.




                                                                                                     Page 15
                                        [Your Company Name]

7.3 Projected Profit and Loss

    The following table and charts highlight the projected profit and loss for three years.

Table: Profit and Loss

Pro Forma Profit and Loss
                                                                      Year 1            Year 2     Year 3
Sales                                                                    $0                $0         $0
Direct Cost of Sales                                                     $0                $0         $0
Other Costs of Sales                                                     $0                $0         $0
Total Cost of Sales                                                      $0                $0         $0

Gross Margin                                                              $0                $0         $0
Gross Margin %                                                        0.00%             0.00%      0.00%



Expenses
Payroll                                                                   $0                  $0      $0
Marketing/Promotion                                                       $0                  $0      $0
Depreciation                                                              $0                  $0      $0
Rent                                                                      $0                  $0      $0
Utilities                                                                 $0                  $0      $0
Insurance                                                                 $0                  $0      $0
Payroll Taxes                                                             $0                  $0      $0
Other                                                                     $0                  $0      $0

Total Operating Expenses                                                  $0                  $0      $0

Profit Before Interest and Taxes                                          $0                  $0      $0
EBITDA                                                                    $0                  $0      $0
 Interest Expense                                                         $0                  $0      $0
 Taxes Incurred                                                           $0                  $0      $0

Net Profit                                                                $0                $0         $0
Net Profit/Sales                                                      0.00%             0.00%      0.00%




                                                                                                      Page 16
                                        [Your Company Name]

7.4 Projected Cash Flow

    The following table and chart highlights the projected cash flow for three years.

    New current assets acquired: 1000 units starting inventory

    New long-term assets acquired: Branding and website/e-commerce development

Table: Cash Flow

Pro Forma Cash Flow
                                                                      Year 1        Year 2   Year 3
Cash Received

Cash from Operations
Cash Sales                                                                $0            $0      $0
Subtotal Cash from Operations                                             $0            $0      $0

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                                                   $0            $0      $0
Subtotal Cash Received                                                    $0            $0      $0

Expenditures                                                          Year 1        Year 2   Year 3

Expenditures from Operations
Cash Spending                                                             $0            $0      $0
Bill Payments                                                             $0            $0      $0
Subtotal Spent on Operations                                              $0            $0      $0

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                                                       $0            $0      $0

Net Cash Flow                                                             $0            $0      $0
Cash Balance                                                              $0            $0      $0

                                                                                                      Page 17
                                        [Your Company Name]


7.5 Projected Balance Sheet

    The following table highlights the projected balance sheet for three years.

Table: Balance Sheet

Pro Forma Balance Sheet
                                                               Year 1             Year 2   Year 3
Assets

Current Assets
Cash                                                                $0               $0       $0
Other Current Assets                                                $0               $0       $0
Total Current Assets                                                $0               $0       $0

Long-term Assets
Long-term Assets                                                    $0               $0       $0
Accumulated Depreciation                                            $0               $0       $0
Total Long-term Assets                                              $0               $0       $0
Total Assets                                                        $0               $0       $0

Liabilities and Capital                                        Year 1             Year 2   Year 3

Current Liabilities
Accounts Payable                                                    $0               $0       $0
Current Borrowing                                                   $0               $0       $0
Other Current Liabilities                                           $0               $0       $0
Subtotal Current Liabilities                                        $0               $0       $0

Long-term Liabilities                                               $0               $0       $0
Total Liabilities                                                   $0               $0       $0

Paid-in Capital                                                     $0               $0       $0
Retained Earnings                                                   $0               $0       $0
Earnings                                                            $0               $0       $0
Total Capital                                                       $0               $0       $0
Total Liabilities and Capital                                       $0               $0       $0

Net Worth                                                           $0               $0       $0




                                                                                                    Page 18
                                     [Your Company Name]

7.7 Business Ratios

    Business ratios for the years of this plan are shown below. Industry profile ratios based on the Standard
    Industrial Classification (SIC) code 5122, Drug, Proprietaries, and Sundries, are shown for comparison.

Table: Ratios

Ratio Analysis
                                                      Year 1       Year 2      Year 3      Industry Profile
Sales Growth                                            n.a.      20.00%      11.91%               -1.57%

Percent of Total Assets
Inventory                                            22.43%       17.81%      15.92%              38.44%
Other Current Assets                                  9.24%        7.01%       5.22%              21.51%
Total Current Assets                                 91.20%       93.67%      95.54%              87.99%
Long-term Assets                                      8.80%        6.33%       4.46%              12.01%
Total Assets                                        100.00%      100.00%     100.00%             100.00%

Current Liabilities                                  26.21%       14.08%      12.01%              46.90%
Long-term Liabilities                                11.87%        9.01%       6.71%              19.55%
Total Liabilities                                    38.08%       23.09%      18.72%              66.45%
Net Worth                                            61.92%       76.91%      81.28%              33.55%

Percent of Sales
Sales                                               100.00%      100.00%     100.00%             100.00%
Gross Margin                                         58.20%       58.20%      55.18%              27.77%
Selling, General & Administrative Expenses           41.73%       39.09%      41.11%              11.97%
Advertising Expenses                                  0.85%        0.88%       0.95%               0.45%
Profit Before Interest and Taxes                     15.43%       20.50%      19.68%               4.36%

Main Ratios
Current                                                 3.48         6.65        7.95                1.72
Quick                                                   2.62         5.39        6.63                0.90
Total Debt to Total Assets                           38.08%       23.09%      18.72%              66.45%
Pre-tax Return on Net Worth                          56.39%       55.61%      42.17%              32.29%
Pre-tax Return on Assets                             34.91%       42.77%      34.28%              10.83%




                                                                                                     Page 19
                            [Your Company Name]


Additional Ratios                     Year 1       Year 2     Year 3
Net Profit Margin                    10.44%       14.05%     13.51%     n.a
Return on Equity                     39.47%       38.93%     29.52%     n.a

Activity Ratios
Inventory Turnover                      6.00        5.11        5.45    n.a
Accounts Payable Turnover               8.25       12.17       12.17    n.a
Payment Days                              27          36          28    n.a
Total Asset Turnover                    2.34        2.13        1.78    n.a

Debt Ratios
Debt to Net Worth                       0.62        0.30        0.23    n.a
Current Liab. to Liab.                  0.69        0.61        0.64    n.a

Liquidity Ratios
Net Working Capital                 $273,738   $441,846     $622,588    n.a
Interest Coverage                      30.41      48.49        52.10    n.a

Additional Ratios
Assets to Sales                         0.43        0.47        0.56    n.a
Current Debt/Total Assets               26%         14%         12%     n.a
Acid Test                               2.62        5.39        6.63    n.a
Sales/Net Worth                         3.78        2.77        2.18    n.a
Dividend Payout                         0.00        0.00        0.00    n.a




                                                                       Page 20
                                                          Appendix

Table: Sales Forecast

Sales Forecast
                          Month   Month   Month   Month    Month     Month   Month   Month   Month   Month   Month   Month
                              1       2       3       4        5         6       7       8       9      10      11      12
Sales
Row 1                       $0      $0      $0      $0       $0        $0      $0      $0      $0      $0      $0      $0
Row 2                       $0      $0      $0      $0       $0        $0      $0      $0      $0      $0      $0      $0
Row 3                       $0      $0      $0      $0       $0        $0      $0      $0      $0      $0      $0      $0
Total Sales                 $0      $0      $0      $0       $0        $0      $0      $0      $0      $0      $0      $0

Direct Cost of Sales      Month   Month   Month   Month    Month     Month   Month   Month   Month   Month   Month   Month
                              1       2       3       4        5         6       7       8       9      10      11      12
Row 1                        $0      $0      $0      $0       $0        $0      $0      $0      $0      $0      $0      $0
Row 2                        $0      $0      $0      $0       $0        $0      $0      $0      $0      $0      $0      $0
Row 3                        $0      $0      $0      $0       $0        $0      $0      $0      $0      $0      $0      $0
Subtotal Direct Cost of      $0      $0      $0      $0       $0        $0      $0      $0      $0      $0      $0      $0
Sales




                                                                                                                             Page 1
                                                     Appendix

Table: Personnel

Personnel Plan
                         Month   Month   Month   Month   Month   Month   Month   Month   Month   Month   Month   Month
                             1       2       3       4       5       6       7       8       9      10      11      12
Name or Title or Group      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Name or Title or Group      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Name or Title or Group      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Total People                 0       0       0       0       0       0       0       0       0       0       0       0

Total Payroll              $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0




                                                                                                                         Page 2
                                                                   Appendix

Table: Profit and Loss

Pro Forma Profit
and Loss
                               Month    Month    Month    Month     Month     Month    Month    Month    Month    Month    Month    Month
                                   1        2        3        4         5         6        7        8        9       10       11       12
Sales                             $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Direct Cost of Sales              $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Other Costs of                    $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Sales
Total Cost of Sales               $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0

Gross Margin                       $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Gross Margin %                 0.00%    0.00%    0.00%    0.00%     0.00%     0.00%    0.00%    0.00%    0.00%    0.00%    0.00%    0.00%


Expenses
Payroll                           $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Marketing/Promotio                $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
n
Depreciation                      $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Rent                              $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Utilities                         $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Insurance                         $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Payroll Taxes            15%      $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Other                             $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0

Total Operating                   $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Expenses

Profit Before                     $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Interest and Taxes
EBITDA                            $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
 Interest Expense                 $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
 Taxes Incurred                   $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0

Net Profit                         $0       $0       $0       $0        $0        $0       $0       $0       $0       $0       $0       $0
Net Profit/Sales               0.00%    0.00%    0.00%    0.00%     0.00%     0.00%    0.00%    0.00%    0.00%    0.00%    0.00%    0.00%




                                                                                                                                      Page 3
                                                                      Appendix

Table: Cash Flow

Pro Forma Cash Flow
                                      Month   Month   Month   Month     Month    Month   Month   Month   Month   Month   Month   Month
                                          1       2       3       4         5        6       7       8       9      10      11      12
Cash Received

Cash from Operations
Cash Sales                              $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Subtotal Cash from                      $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Operations

Additional Cash Received
Sales Tax, VAT, HST/GST       0.00%     $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Received
New Current Borrowing                   $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
New Other Liabilities                   $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
(interest-free)
New Long-term Liabilities               $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Sales of Other Current                  $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Assets
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      $0      $0
Subtotal Cash Received                  $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0

Expenditures                          Month   Month   Month   Month     Month    Month   Month   Month   Month   Month   Month   Month
                                          1       2       3       4         5        6       7       8       9      10      11      12

Expenditures from
Operations
Cash Spending                           $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Bill Payments                           $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Subtotal Spent on                       $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Operations

Additional Cash Spent
Sales Tax, VAT, HST/GST                 $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Paid Out
Principal Repayment of                  $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Current Borrowing
Other Liabilities Principal             $0      $0      $0      $0         $0      $0      $0      $0      $0      $0      $0      $0
Repayment
                                                                                                                                         Page 4
                                             Appendix

Long-term Liabilities    $0   $0   $0   $0        $0    $0   $0   $0   $0   $0   $0   $0
Principal Repayment
Purchase Other Current   $0   $0   $0   $0        $0    $0   $0   $0   $0   $0   $0   $0
Assets
Purchase Long-term       $0   $0   $0   $0        $0    $0   $0   $0   $0   $0   $0   $0
Assets
Dividends                $0   $0   $0   $0        $0    $0   $0   $0   $0   $0   $0   $0
Subtotal Cash Spent      $0   $0   $0   $0        $0    $0   $0   $0   $0   $0   $0   $0

Net Cash Flow            $0   $0   $0   $0        $0    $0   $0   $0   $0   $0   $0   $0
Cash Balance             $0   $0   $0   $0        $0    $0   $0   $0   $0   $0   $0   $0




                                                                                           Page 5
                                                                      Appendix

Table: Balance Sheet

Pro Forma Balance
Sheet
                                          Month   Month   Month   Month   Month   Month   Month   Month   Month   Month   Month   Month
                                              1       2       3       4       5       6       7       8       9      10      11      12
Assets                    Starting
                          Balances

Current Assets
Cash                                 $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Other Current Assets                 $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Total Current Assets                 $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0

Long-term Assets
Long-term Assets                     $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Accumulated                          $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Depreciation
Total Long-term Assets               $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Total Assets                         $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0

Liabilities and Capital                   Month   Month   Month   Month   Month   Month   Month   Month   Month   Month   Month   Month
                                              1       2       3       4       5       6       7       8       9      10      11      12

Current Liabilities
Accounts Payable                     $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Current Borrowing                    $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Other Current                        $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Liabilities
Subtotal Current                     $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Liabilities

Long-term Liabilities                $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Total Liabilities                    $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0

Paid-in Capital                      $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Retained Earnings                    $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Earnings                             $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Total Capital                        $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Total Liabilities and                $0     $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0      $0
Capital

                                                                                                                                          Page 6
                                 Appendix

Net Worth   $0   $0   $0   $0   $0     $0   $0   $0   $0   $0   $0   $0   $0




                                                                               Page 7
                                                               Appendix

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