Bello/Sheehan

TextFIND
Business Plan

505 South Pugh Street

State College, PA 16801
814 – 321 – 5331

Audrey Sheehan Lauren

Bello
Aes5275@psu.edu
Lpb5014@psu.edu
April 13th, 2010

1|Page
Our mission is to bring direction and peace of mind to everyone in
the world, wherever you may be. If you have a phone, you are not
lost. We'll show you the way.

Table of Contents
I. Executive Summary……...
………………....…… 3

II. Introduction………………………....
…………… 3

III. Body……………………………………………
3-4

IV. Market………………………………………….
4-6

V. Market
Strategy………………………………..6-7

VI. Business………………………………………
….8

VII. Financials……………………………………...
9-11

VIII.Conclusion…………………………………..1
 Bello/Sheehan

IX. Bibliography…………………………………
…..12

Executive Summary
TextFIND is a service accessible via text message. We provide our
customers with reliable turn by turn directions as well as directory listed
phone numbers. Our goal is to create a reliable service at a lower price than
our competitors while aiming to provide the most accurate and up to date
information.
Our company strives to be the most reliable, economical, and
accessible service of its kind. We plan on achieving these goals by operating
at our most efficient point. We will do this by ensuring ethical and innovative
operating tactics. We will place our faith in our employees and value their
knowledge and experience with our service in order to create a successful
corporate environment.
As our mission statement illustrates, we want to bring direction and
peace of mind to everyone in the world. We strive to be as accurate as we
are cost effective, working hard to keep our customers satisfied and coming
back for more. Our purpose is to give people directions and other information
that is accurate, timely, and relevant. Through these actions I believe we at
TextFIND will create a successful and reliable business.

Introduction
Our mission is to bring direction and peace of mind to everyone in the

3|Page
world, wherever you may be. If you have a phone, you are not lost. We'll
show you the way. As a start up business in 2010, we can only hope that our
dependable attitude will lead our customer base towards loyalty and
dedication to our company.
Our goal is to outgrow our competitors and make use of our
competitive advantage of being inexpensive and accurate. TextFIND should
be able to thrive because of today’s continuous dependence on technology
to function in day to day society. Without directions or phone numbers
today’s world would be lost. By providing people with the easiest and most
effective way of receiving this data, we will be able to overcome the
competition and thrive as a business.

Body
Our business will primarily provide our customers with two services,
directions and phone numbers. There is no subscription necessary; users will
be charged for each individual use of our service, charged to their cell phone
carriers, who will in turn charge the customer. According to TIME, other text
messaging services, such as KGB, charge up to 50 cents per response.
TextFIND will find ways to cut costs and charge less than our competitors in
order to attract the market, which will include people in low income brackets.
Our directions will be sent in a turn by turn fashion, much like
MapQuest directions:

We will not provide customers with a visual map, as many of our customer’s
phones will not be capable of receiving images, and written directions are
much more convenient and easier to understand than maps. Users must
 Bello/Sheehan

simply text a start and end address and we will respond with easy turn by
turn directions.

For phone numbers, users must simply text the name of the phone
listing and the city and state in which it is located. We will respond directly
with the phone number, area code first. If users do not know the city and
state, our customer service department will make sure to help the customer
find the number in which they are looking for.

Overall at TextFIND we want customers to FIND what they are looking

for. We will do our best to help people feel safe and keep the stress of being
lost out of their way.

Market
The target market of TextFIND is primarily anyone with a cell phone.
Specifically, TextFIND will target those without smart phones who do not
have the ability to get direction and phone listing via a 3G network. By
targeting this group that does not have access to the internet over their cell
phones, we can provide them with the same reliable data those with 3G
access can access over the internet.

The target market of those without smart phones will include those in
low income brackets, senior citizens, and middle aged people with low
technological experience. The market will definitely exclude the business
class as well as college students and tech savvy middle age people. The
target market is people that do not have or bother to use current
technologies available for directions and phone listing and would like a
simpler way to get this information than dealing with road maps and
telephone books.

TextFIND is at a disadvantage in the current amount of people using

smartphones, shown in this graph:

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 Bello/Sheehan

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 Bello/Sheehan

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2222fdff0063fe2202558fdef7ff0abe8f8f5522228fffff2222fdff052222ffbe2248fdff028
0228ffaff02be2222fbff068f2255ff552248fd55133b228fffde2222deff3b229effff2222f
fbe2248faff012222fc55022f22befafffa220663beffff8f223bfd5506482255ffbe2255fef
f06be2255ff8f223bfd5506482255ffff2222feff025522befcff14ce9e8f632f2255ffff8f22
8fffffbe2255ffbe2248fdff06ae2255ffbe2255feff02be2255aeff0ae7c59e88888ff7ffc5
88c5feff018888feff02c588c5feff0bf7dec5be9e8888deffde88a6fdff07a688deffffa688
d6feff06f78888ffff8888fdff068888ffff8888f7feff06f78888ffff8888fdff058888ffde888f
fca6018888f6ff02eeceaefe8804deffff8888fdff068888ffffa688d6feff04f78888ffe7fe8
80297b6d6feff028888f7faff018888fdff06c588c5ffde889efdff05be88c5de888ffca605
8888ffff8888fdff00aefe8802a6c5eef7ff0adec5c5a68888c5ffff8888fdff058888ffde88
9efdff02be88c5faff02de8888fbff06c588a6ffa6889efda6139788c5ffee8888eeff9788
ceffff8888ffde889efaff018888fca6028f88defafffa8806aedeffffc58897fda6069e88a6f
fde88a6feff06de88a6ffc58897fda6069e88a6ffff8888feff02a688defcff14e7cec5ae8f
88a6ffffc588c5ffffde88a6ffde889efdff06d688a6ffde88a6feff02de88a6aeff0af3e2cec
2c2c5fcffe2c2e2feff01c2c2feff02e2c2e2feff0bfceee2decec2c2eeffeec2d2fdff07d2c2
eeffffd2c2ebfeff06fcc2c2ffffc2c2fdff06c2c2ffffc2c2fcfeff06fcc2c2ffffc2c2fdff05c2c2ff
eec2c5fcd201c2c2f6ff02f7e7d6fec204eeffffc2c2fdff06c2c2ffffd2c2ebfeff04fcc2c2fff
3fec202cadaebfeff02c2c2fcfaff01c2c2fdff06e2c2e2ffeec2cefdff05dec2e2eec2c5fcd
205c2c2ffffc2c2fdff00d6fec202d2e2f7f7ff0aeee2e2d2c2c2e2ffffc2c2fdff05c2c2ffeec
2cefdff02dec2e2faff02eec2c2fbff06e2c2d2ffd2c2cefdd213cac2e2fff7c2c2f7ffcac2e7
ffffc2c2ffeec2cefaff01c2c2fcd202c5c2eefafffac206d6eeffffe2c2cafdd206cec2d2ffee
c2d2feff06eec2d2ffe2c2cafdd206cec2d2ffffc2c2feff02d2c2eefcff14f3e7e2d6c5c2d2
ffffe2c2e2ffffeec2d2ffeec2cefdff06ebc2d2ffeec2d2feff02eec2d2b8ff03bcfbff02bebe
eefdff07be22228fff8f228ffeff012222feff068f228fffff9e2ffb2204beffbe2255fdff07552
2beffff5522befdff052222ffff2222fdff052222ffff2222fcff052222ffff2222fdff032222ffb
ef822faff02cebedefdff07de3b2263ffff2222fdff062222ffff5522befdff052222ffffae48f
d220448eeff2222f9ff012222fdff068f228fffbe2255fdff038f228fbef82203ffff2222fdff0
2ee722ffd22009efaff01ce3bfb22048fffff2222fdff052222ffbe2255fdff028f228ffaff02
be2222fbff04552280ff55f922088fffff63228fce222ffeff052222ffbe2255fafff82200bef
aff022222bef9ff008ff9220455ffbe2255feff04be2255ff8ff9220455ffff2222feff025522
befeff01ee55fb220e55ffff8f228fffffbe2255ffbe2255fdff06be2255ffbe2255feff02be2
255b2ff02dedef7fdff07de8888c5ffc588c5feff018888feff06c588c5ffffce8ffb8804deff

9|Page
de88a6fdff07a688deffffa688defdff058888ffff8888fdff058888ffff8888fcff058888ffff8
888fdff038888ffdef888faff02e7deeefdff07ee9788aeffff8888fdff068888ffffa688defdf
f058888ffffd69efd88049ef7ff8888f9ff018888fdff06c588c5ffde88a6fdff03c588c5def
88803ffff8888fdff02f7b68ffd8800cefaff01e797fb8804c5ffff8888fdff058888ffde88a6f
dff02c588c5faff02de8888fbff04a688beffa6f98808c5ffffae88c5e7888ffeff058888ffde
88a6fafff88800defaff028888def9ff00c5f98804a6ffde88a6feff04de88a6ffc5f98804a6
ffff8888feff02a688defeff01f7a6fb880ea6ffffc588c5ffffde88a6ffde88a6fdff06de88a6f
fde88a6feff02de88a6b2ff02eeeefcfdff07eec2c2e2ffe2c2e2feff01c2c2feff06e2c2e2ff
ffe7c5fbc204eeffeec2d2fdff07d2c2eeffffd2c2eefdff05c2c2ffffc2c2fdff05c2c2ffffc2c2
fcff05c2c2ffffc2c2fdff03c2c2ffeef8c2faff02f3eef7fdff07f7cac2d6ffffc2c2fdff06c2c2fff
fd2c2eefdff05c2c2ffffebcefdc204cefcffc2c2f9ff01c2c2fdff06e2c2e2ffeec2d2fdff03e2
c2e2eef8c203ffffc2c2fdff02fcdac5fdc200e7faff01f3cafbc204e2ffffc2c2fdff05c2c2ffe
ec2d2fdff02e2c2e2faff02eec2c2fbff04d2c2deffd2f9c208e2ffffd6c2e2f3c2c5feff05c2
c2ffeec2d2fafff8c200eefaff02c2c2eef9ff00e2f9c204d2ffeec2d2feff04eec2d2ffe2f9c
204d2ffffc2c2feff02d2c2eefeff01fcd2fbc20ed2ffffe2c2e2ffffeec2d2ffeec2d2fdff06ee
c2d2ffeec2d2feff02eec2d2b8ff03ecfbff0222229efcff0655228fff8f228ffeff012222feff
118f228fffee2f22729ebeee5522beffbe2255fdff075522beffff55229efeff06de222fffff2
222fdff062222ffff2222defeff06de2222ffff2222fdff052222ffbe223bf3ff02552272fcff0
68f2255ffff2222fdff062222ffff55229efeff02de222ffdff09de9e7222228fff2222defeff0
5de8fceff2222fdff068f228fffbe223bfdff0572228fbe223bf8ff012222faff04be8f3b222f
faff0c5522558fbede8f228fffff2222fdff052222ffce223bfdff0272228ffaff02be2222fcff
07ee22229eff55229ef8ff05ae223b722272feff052222ffbe223bfdff05be8fde2222def
3ff022222bef9ff028f2272f9ff02be2255feff06be2255ff8f2272f8ff012222feff025522b
efeff168f223b8fbecebe2255ffff8f228fffffbe2255ffbe223bfdff069e2255ffbe2255feff0
2be2255b2ff028888cefcff06a688c5ffc588c5feff018888feff11c588c5fff78f88b6cedef
7a688deffde88a6fdff07a688deffffa688cefeff06ee888fffff8888fdff068888ffff8888eef
eff06ee8888ffff8888fdff058888ffde8897f3ff02a688b6fcff06c588a6ffff8888fdff06888
8ffffa688cefeff02ee888ffdff09eeceb68888c5ff8888eefeff05eec5e7ff8888fdff06c588
c5ffde8897fdff05b688c5de8897f8ff018888faff04dec597888ffaff0ca688a6c5deeec5
88c5ffff8888fdff058888ffe78897fdff02b688c5faff02de8888fcff07f78888ceffa688cef
8ff05d68897b688b6feff058888ffde8897fdff05dec5ee8888eef3ff028888def9ff02c58
8b6f9ff02de88a6feff06de88a6ffc588b6f8ff018888feff02a688defeff16c58897c5dee7
de88a6ffffc588c5ffffde88a6ffde8897fdff06ce88a6ffde88a6feff02de88a6b2ff02c2c2
e7fcff06d2c2e2ffe2c2e2feff01c2c2feff11e2c2e2fffcc5c2dae7eefcd2c2eeffeec2d2fdf
f07d2c2eeffffd2c2e7feff06f7c2c5ffffc2c2fdff06c2c2ffffc2c2f7feff06f7c2c2ffffc2c2fdff
05c2c2ffeec2caf3ff02d2c2dafcff06e2c2d2ffffc2c2fdff06c2c2ffffd2c2e7feff02f7c2c5f
dff09f7e7dac2c2e2ffc2c2f7feff05f7e2f3ffc2c2fdff06e2c2e2ffeec2cafdff05dac2e2eec
2caf8ff01c2c2faff04eee2cac2c5faff0cd2c2d2e2eef7e2c2e2ffffc2c2fdff05c2c2fff3c2c
afdff02dac2e2faff02eec2c2fcff07fcc2c2e7ffd2c2e7f8ff05ebc2cadac2dafeff05c2c2ffe
ec2cafdff05eee2f7c2c2f7f3ff02c2c2eef9ff02e2c2daf9ff02eec2d2feff06eec2d2ffe2c2
daf8ff01c2c2feff02d2c2eefeff16e2c2cae2eef3eec2d2ffffe2c2e2ffffeec2d2ffeec2cafd
ff06e7c2d2ffeec2d2feff02eec2d2b8ff047ffbff03632248eefeff07ee2f229eff8f228ffeff
012222feff068f228fffbe2248feff07ce2222beffbe2255fdff075522beffff552255feff068
f2263ffff2222fdff062222ffff63228ffeff068f2255ffff2222fdff062222ffff2f22befeff02be
 Bello/Sheehan

2255faff038f222fcefdff11552272ffff2222deffff9e2222ffff552263feff068f2263ff8022
9efeff0672228fff55228ffeff05802272ff2222fdff118f228fffbe2222ceffffee2f22ceff2f2
2befeff06be2255ffff2222feff02ce3b3bfeff02de2222faff0c2222eeffffee3b228fffff222
2fdff0c2222ffff2f22beffffee2f228ffaff02be2222fcff0763222feeff8f2255fdff02552faef
eff042f222f22cefeff062222ffff2222befeff0548229e63228ffeff03ee2f3bdefaff022222
bef9ff03ce222feefeff068f228fffbe2255feff07be2255ffce222feefeff068f228fffff2222f
eff025522befeff025522aefeff11632255ffff8f228fffffbe2255ffff2f22befeff0655228fffb
e2255feff02be2255b2ff03ae889ef7feff07f78f88ceffc588c5feff018888feff06c588c5ff
de889efeff07e78888deffde88a6fdff07a688deffffa688a6feff06c588aeffff8888fdff068
888ffffae88c5feff06c588a6ffff8888fdff068888ffff8f88defeff02de88a6faff03c5888fe7
fdff11a688b6ffff8888eeffffce8888ffffa688aefeff06c588aeffbe88cefeff06b688c5ffa68
8c5feff05be88b6ff8888fdff11c588c5ffde8888e7fffff78f88e7ff8f88defeff06de88a6ffff
8888feff02e79797feff02ee8888faff0c8888f7fffff79788c5ffff8888fdff0c8888ffff8f88d
efffff78f88c5faff02de8888fcff07ae888ff7ffc588a6fdff02a68fd6feff048f888f88e7feff0
68888ffff8888defeff059e88ceae88c5feff03f78f97eefaff028888def9ff03e7888ff7feff
06c588c5ffde88a6feff07de88a6ffe7888ff7feff06c588c5ffff8888feff02a688defeff02a
688d6feff11ae88a6ffffc588c5ffffde88a6ffff8f88defeff06a688c5ffde88a6feff02de88a
6b2ff03d6c2cefcfeff07fcc5c2e7ffe2c2e2feff01c2c2feff06e2c2e2ffeec2cefeff07f3c2c
2eeffeec2d2fdff07d2c2eeffffd2c2d2feff06e2c2d6ffffc2c2fdff06c2c2ffffd6c2e2feff06e
2c2d2ffffc2c2fdff06c2c2ffffc5c2eefeff02eec2d2faff03e2c2c5f3fdff11d2c2daffffc2c2f
7ffffe7c2c2ffffd2c2d6feff06e2c2d6ffdec2e7feff06dac2e2ffd2c2e2feff05dec2daffc2c
2fdff11e2c2e2ffeec2c2f3fffffcc5c2f3ffc5c2eefeff06eec2d2ffffc2c2feff02f3cacafeff02f
7c2c2faff0cc2c2fcfffffccac2e2ffffc2c2fdff0cc2c2ffffc5c2eefffffcc5c2e2faff02eec2c2fc
ff07d6c2c5fcffe2c2d2fdff02d2c5ebfeff04c5c2c5c2f3feff06c2c2ffffc2c2eefeff05cec2e
7d6c2e2feff03fcc5caf7faff02c2c2eef9ff03f3c2c5fcfeff06e2c2e2ffeec2d2feff07eec2d
2fff3c2c5fcfeff06e2c2e2ffffc2c2feff02d2c2eefeff02d2c2ebfeff11d6c2d2ffffe2c2e2ffff
eec2d2ffffc5c2eefeff06d2c2e2ffeec2d2feff02eec2d2b8ff047ffbff0ebe22223b8fbe9e
3b222feeff8f228ffeff012222feff118f228fffce22228fbe8f2f2222beffbe2255fdff11552
280beff55222263be8f2222beffff2222fdff102222ffffae222280be802222aeffff2222fdf
f0c2222ffff80222f8fbe8f2f228ffaff36ee2f222f80beae552222beffff482248ae8f2f222
2ffff55222263be802222beff8f222f8fbe8f2f22beffae222280be8f2222beff2222fdff1b
8f228fffbe22222f9e9e482255ffff80222f8fbe8f2f228fffff2222fdff072f2255aeae6322
55faff0c2f2263be9e3b22228fffff2222fdff0c2222ffff8f222f8fae4822228ffaff02be222
2fe8f10803b2222aeffffde2f2255aeae55222feefeff038022223bfdff152222ffff80222f
8fbe63222feeae222272be9e3b2255f9ff022222bef8ff0c48223b9ebe722222beffbe2
255feff17be2255ffff48223b9ebe722222beffff22229eceff5522befeff21632248aeae5
5222255ffff8f2255beeebe2255ffff80222f8fae63222fdeffbe2255feff02be2255b2ff0e
de888897c5dece97888ff7ffc588c5feff018888feff11c588c5ffe78888c5dec58f8888de
ffde88a6fdff11a688bedeffa68888aedec58888deffff8888fdff108888ffffd68888bedeb
e8888d6ffff8888fdff0c8888ffffbe888fc5dec58f88c5faff36f78f888fbeded6a68888deff
ff9e889ed6c58f8888ffffa68888aedebe8888deffc5888fc5dec58f88deffd68888bedec
58888deff8888fdff1bc588c5ffde88888fcece9e88a6ffffbe888fc5dec58f88c5ffff8888f
dff078f88a6d6d6ae88a6faff0c8f88aedece978888c5ffff8888fdff0c8888ffffc5888fc5d
69e8888c5faff02de8888fec510be978888d6ffffee8f88a6d6d6a6888ff7feff03be8888

11 | P a g e
97fdff158888ffffbe888fc5deae888ff7d68888b6dece9788a6f9ff028888def8ff0c9e88
97cedeb68888deffde88a6feff17de88a6ffff9e8897cedeb68888deffff8888cee7ffa688
defeff21ae889ed6d6a68888a6ffffc588a6def7de88a6ffffbe888fc5d6ae888feeffde88
a6feff02de88a6b2ff0eeec2c2cae2eee7cac2c5fcffe2c2e2feff01c2c2feff11e2c2e2fff3
c2c2e2eee2c5c2c2eeffeec2d2fdff11d2c2deeeffd2c2c2d6eee2c2c2eeffffc2c2fdff10c
2c2ffffebc2c2deeedec2c2ebffffc2c2fdff0cc2c2ffffdec2c5e2eee2c5c2e2faff36fcc5c2c
5deeeebd2c2c2eeffffcec2ceebe2c5c2c2ffffd2c2c2d6eedec2c2eeffe2c2c5e2eee2c5c
2eeffebc2c2deeee2c2c2eeffc2c2fdff1be2c2e2ffeec2c2c5e7e7cec2d2ffffdec2c5e2ee
e2c5c2e2ffffc2c2fdff07c5c2d2ebebd6c2d2faff0cc5c2d6eee7cac2c2e2ffffc2c2fdff0cc
2c2ffffe2c2c5e2ebcec2c2e2faff02eec2c2fee210decac2c2ebfffff7c5c2d2ebebd2c2c5
fcfeff03dec2c2cafdff15c2c2ffffdec2c5e2eed6c2c5fcebc2c2daeee7cac2d2f9ff02c2c2
eef8ff0ccec2cae7eedac2c2eeffeec2d2feff17eec2d2ffffcec2cae7eedac2c2eeffffc2c2
e7f3ffd2c2eefeff21d6c2ceebebd2c2c2d2ffffe2c2d2eefceec2d2ffffdec2c5e2ebd6c2c
5f7ffeec2d2feff02eec2d2b8ff0401faff019e2ffc22063bceffff8f228ffeff012222feff058f
228fffff72fd22072f552280ffbe2255fdff008ffe2203de55222ffd22009efeff012222fdff
012222feff0080fc22008ffeff012222fdff012222feff0072fc220063f8ff01ce3bfc22012f
9efeff00aefd2207482222ffff55222ffd22009efeff0055fc220072feff0080fc22048fffff2
222fdff068f228fffbe222ffd220148eefeff0072fc220063feff012222fdff01ae2ffd22012f
cefaff009efc2206632248ffff2222fdff012222feff0072fd22022f228ffaff00befa22013b
aefdff01ce2ffd22012fbefdff03ce22228ffdff052222ffffee55fd22042fbeffff9efc220148
def9ff022222bef8ff01ee48fc22058fffffbe2255feff06be2255ffffee48fc22008ffeff0755
22223bff5522befeff01ce2ffd2205632222eeffbefe22079ebe2255ffffee55fd22062faef
fffbe2255feff02be2255b1ff01ce8ffc880697e7ffffc588c5feff018888feff05c588c5ffffb
6fd88078fa688beffde88a6fdff00c5fe8803eea6888ffd8800cefeff018888fdff018888fe
ff00befc8800c5feff018888fdff018888feff00b6fc8800aef8ff01e797fc88018fcefeff00d
6fd88079e8888ffffa6888ffd8800cefeff00a6fc8800b6feff00befc8804c5ffff8888fdff06
c588c5ffde888ffd88019ef7feff00b6fc8800aefeff018888fdff01d68ffd88018fe7faff00c
efc8806ae889effff8888fdff018888feff00b6fd88028f88c5faff00defa880197d6fdff01e
78ffd88018fdefdff03e78888c5fdff058888fffff7a6fd88048fdeffffcefc88019eeef9ff028
888def8ff01f79efc8805c5ffffde88a6feff06de88a6fffff79efc8800c5feff07a6888897ffa
688defeff01e78ffd8805ae8888f7ffdefe8807cede88a6fffff7a6fd88068fd6ffffde88a6f
eff02de88a6b1ff01e7c5fcc206caf3ffffe2c2e2feff01c2c2feff05e2c2e2ffffdafdc207c5d
2c2deffeec2d2fdff00e2fec203f7d2c2c5fdc200e7feff01c2c2fdff01c2c2feff00defcc20
0e2feff01c2c2fdff01c2c2feff00dafcc200d6f8ff01f3cafcc201c5e7feff00ebfdc207cec2
c2ffffd2c2c5fdc200e7feff00d2fcc200dafeff00defcc204e2ffffc2c2fdff06e2c2e2ffeec2
c5fdc201cefcfeff00dafcc200d6feff01c2c2fdff01ebc5fdc201c5f3faff00e7fcc206d6c2c
effffc2c2fdff01c2c2feff00dafdc202c5c2e2faff00eefac201caebfdff01f3c5fdc201c5eef
dff03f3c2c2e2fdff05c2c2fffffcd2fdc204c5eeffffe7fcc201cef7f9ff02c2c2eef8ff01fccef
cc205e2ffffeec2d2feff06eec2d2fffffccefcc200e2feff07d2c2c2caffd2c2eefeff01f3c5fd
c205d6c2c2fcffeefec207e7eec2d2fffffcd2fdc206c5ebffffeec2d2feff02eec2d2b8ff03f
2f9ff01eeaefe8f00befdff02debedefeff01bebefeff02debedefeff0bbe8f8f9eeeeebeceff
eebecefcff0a9e8f8fde5522ae9e8f8fdefdff01bebefdff01bebefdff00defe8f00defdff01b
ebefdff01bebefdff00cefe8f00cef5ff00befe8f01aeeefcff0fde8f8f9eeebebeffffcebeee9
e8f8fdefcff00befe8f00cefcff00defe8f00defeff01bebefdff0adebedeffeebecede8f8f9ef
 Bello/Sheehan

bff00cefe8f00cefdff01bebefcff05de9e8f8f9eeef8ff00defe8f07deffbebeffffbebefdff01
bebefdff06be8f8fbedebedefaff00eefbbe00defaff05ee9e8f8f9eeefbff02bebeeefdff01
bebefdff00cefe8f00eefdff00defe8f00aef7ff02bebeeef6ff00aefe8f00defeff02eebecef
eff02eebecefdff00aefe8f00defdff00eefe8f03ffcebeeefdff00eefe8f0dceffcebeeeffffbe
8f8fbeeebecefdff04ce8f8f9eeefeff02eebecefeff02eebeceb0ff01f7d6fec500defdff02e
edeeefeff01dedefeff02eedeeefeff0bdec5c5cef7f7dee7fff7dee7fcff0acec5c5eea688d
6cec5c5eefdff01dedefdff01dedefdff00eefec500eefdff01dedefdff01dedefdff00e7fec5
00e7f5ff00defec501d6f7fcff0feec5c5cef7dedeffffe7def7cec5c5eefcff00defec500e7f
cff00eefec500eefeff01dedefdff0aeedeeefff7dee7eec5c5cefbff00e7fec500e7fdff01d
edefcff05eecec5c5cef7f8ff00eefec507eeffdedeffffdedefdff01dedefdff06dec5c5deee
deeefaff00f7fbde00eefaff05f7cec5c5cef7fbff02dedef7fdff01dedefdff00e7fec500f7fd
ff00eefec500d6f7ff02dedef7f6ff00d6fec500eefeff02f7dee7feff02f7dee7fdff00d6fec5
00eefdff00f7fec503ffe7def7fdff00f7fec50de7ffe7def7ffffdec5c5def7dee7fdff04e7c5
c5cef7feff02f7dee7feff02f7dee7b0ff01fcebfee200eefdff02f7eef7feff01eeeefeff02f7e
ef7feff0beee2e2e7fcfceef3fffceef3fcff0ae7e2e2f7d2c2ebe7e2e2f7fdff01eeeefdff01e
eeefdff00f7fee200f7fdff01eeeefdff01eeeefdff00f3fee200f3f5ff00eefee201ebfcfcff0ff
7e2e2e7fceeeefffff3eefce7e2e2f7fcff00eefee200f3fcff00f7fee200f7feff01eeeefdff0a
f7eef7fffceef3f7e2e2e7fbff00f3fee200f3fdff01eeeefcff05f7e7e2e2e7fcf8ff00f7fee20
7f7ffeeeeffffeeeefdff01eeeefdff06eee2e2eef7eef7faff00fcfbee00f7faff05fce7e2e2e7
fcfbff02eeeefcfdff01eeeefdff00f3fee200fcfdff00f7fee200ebf7ff02eeeefcf6ff00ebfee2
00f7feff02fceef3feff02fceef3fdff00ebfee200f7fdff00fcfee203fff3eefcfdff00fcfee20df
3fff3eefcffffeee2e2eefceef3fdff04f3e2e2e7fcfeff02fceef3feff02fceef3b8ff0026c9ff02
5522be81ff81ff81ff9bff02a688de81ff81ff81ff9bff02d2c2ee81ff81ff81ffd3ff0026c9ff
025522be81ff81ff81ff9bff02a688de81ff81ff81ff9bff02d2c2ee81ff81ff81ffd3ff0026c9
ff028055ce81ff81ff81ff9bff02bea6e781ff81ff81ff9bff02ded2f381ff81ff81ffd3ff00188
1ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff8
1ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff8
1ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc
6ff011a8afffe01fdfffe01fbfffe01fefffe01fefffe01fefffe01f1fffe01fdfffe01fbfffe01fefffe
01fefffe01fefffe01f6ff0001fdff0201ff01fdff0001fcff0001faff0001fcff0201ff01f6fffd01
f9ff0001ecff0201ff0181ff81ffd0fffe01fdfffe01fbfffe01fefffe01fefffe01fefffe01f1fffe01
fdfffe01fbfffe01fefffe01fefffe01fefffe01f6ff0001fdff0201ff01fdff0001fcff0001faff000
1fcff0201ff01f6fffd01f9ff0001ecff0201ff0181ff81ffd0fffe01fdfffe01fbfffe01fefffe01fe
fffe01fefffe01f1fffe01fdfffe01fbfffe01fefffe01fefffe01fefffe01f6ff0001fdff0201ff01fdff
0001fcff0001faff0001fcff0201ff01f6fffd01f9ff0001ecff0201ff0181ffc7ff018c8bff0001
feff0301ffff01feff0001fdff0001feff0201ff01feff0201ff01feff0201ff01feff0001f3ff0001
feff0301ffff01feff0001fdff0001feff0201ff01feff0201ff01feff0201ff01feff0001f8ff0201
ff01feff0201ff01fdff010101feff010101faff0001faff0001f7ff0001fdff0001faff0001eaff
000181ff81ffd1ff0001feff0301ffff01feff0001fdff0001feff0201ff01feff0201ff01feff020
1ff01feff0001f3ff0001feff0301ffff01feff0001fdff0001feff0201ff01feff0201ff01feff020
1ff01feff0001f8ff0201ff01feff0201ff01fdff010101feff010101faff0001faff0001f7ff000
1fdff0001faff0001eaff000181ff81ffd1ff0001feff0301ffff01feff0001fdff0001feff0201ff
01feff0201ff01feff0201ff01feff0001f3ff0001feff0301ffff01feff0001fdff0001feff0201ff
01feff0201ff01feff0201ff01feff0001f8ff0201ff01feff0201ff01fdff010101feff010101fa

13 | P a g e
ff0001faff0001f7ff0001fdff0001faff0001eaff000181ffc7ff01ef8cff0001fcff0001fcff00
01f9ff0201ff01feff0201ff01feff0201ff01feff0001f4ff0001fcff0001fcff0001f9ff0201ff0
1feff0201ff01feff0201ff01feff0001f8ff0201ff01feff0201ff01fdff010101feff030101fffff
e010cffff01ff0101ffff01ff01fffffe01fcff0001fbff0001feff0501ff01ff0101fefffe01fefffe0
10bffff01ff01ff01ff01ff0101fefffe0105ff01ff01fffffe0181ff81ffe4ff0001fcff0001fcff00
01f9ff0201ff01feff0201ff01feff0201ff01feff0001f4ff0001fcff0001fcff0001f9ff0201ff0
1feff0201ff01feff0201ff01feff0001f8ff0201ff01feff0201ff01fdff010101feff030101fffff
e010cffff01ff0101ffff01ff01fffffe01fcff0001fbff0001feff0501ff01ff0101fefffe01fefffe0
10bffff01ff01ff01ff01ff0101fefffe0105ff01ff01fffffe0181ff81ffe4ff0001fcff0001fcff00
01f9ff0201ff01feff0201ff01feff0201ff01feff0001f4ff0001fcff0001fcff0001f9ff0201ff0
1feff0201ff01feff0201ff01feff0001f8ff0201ff01feff0201ff01fdff010101feff030101fffff
e010cffff01ff0101ffff01ff01fffffe01fcff0001fbff0001feff0501ff01ff0101fefffe01fefffe0
10bffff01ff01ff01ff01ff0101fefffe0105ff01ff01fffffe0181ffd9ff02018cff0001fcff0001f
cff0001f9ff0201ff01feff0201ff01feff0201fffffe01f3ff0001fcff0001fcff0001f9ff0201ff0
1feff0201ff01feff0201ff01feff0001f8ff0201ff01feff0201ff01fdff0801ff01ff01ff01ff01f
eff0c01ff0101ffff01ff01ff01ff01feff0001fcff010101fdff0001feff0801ff0101ffff01ff01f
eff0201ff01feff0e01ff0101ffff01ff0101ffff01ff01fefffe0102ffff01feff000181ff81ffe5ff0
001fcff0001fcff0001f9ff0201ff01feff0201ff01feff0201fffffe01f3ff0001fcff0001fcff000
1f9ff0201ff01feff0201ff01feff0201ff01feff0001f8ff0201ff01feff0201ff01fdff0801ff01f
f01ff01ff01feff0c01ff0101ffff01ff01ff01ff01feff0001fcff010101fdff0001feff0801ff010
1ffff01ff01feff0201ff01feff0e01ff0101ffff01ff0101ffff01ff01fefffe0102ffff01feff00018
1ff81ffe5ff0001fcff0001fcff0001f9ff0201ff01feff0201ff01feff0201fffffe01f3ff0001fcff
0001fcff0001f9ff0201ff01feff0201ff01feff0201ff01feff0001f8ff0201ff01feff0201ff01f
dff0801ff01ff01ff01ff01feff0c01ff0101ffff01ff01ff01ff01feff0001fcff010101fdff0001f
eff0801ff0101ffff01ff01feff0201ff01feff0e01ff0101ffff01ff0101ffff01ff01fefffe0102fff
f01feff000181ffdaff01e68cff0001fcff0001fdff0001f9ff0301ffff01feff0201ff01feff0201
ff01feff0001f4ff0001fcff0001fdff0001f9ff0301ffff01feff0201ff01feff0201fffffd01f9ff0
001feff0501ffff01ff01fdff0801ff01ff01ff01ff01feff0201ff01feff0501ff01ff01fffc01faff0
40101ffff01feff0201ff01feff0401ffff0101feff0001fcff0001feff0201ff01feff0101fffb01f
dff01010181ff81ffe3ff0001fcff0001fdff0001f9ff0301ffff01feff0201ff01feff0201ff01fe
ff0001f4ff0001fcff0001fdff0001f9ff0301ffff01feff0201ff01feff0201fffffd01f9ff0001fef
f0501ffff01ff01fdff0801ff01ff01ff01ff01feff0201ff01feff0501ff01ff01fffc01faff040101
ffff01feff0201ff01feff0401ffff0101feff0001fcff0001feff0201ff01feff0101fffb01fdff010
10181ff81ffe3ff0001fcff0001fdff0001f9ff0301ffff01feff0201ff01feff0201ff01feff0001
f4ff0001fcff0001fdff0001f9ff0301ffff01feff0201ff01feff0201fffffd01f9ff0001feff0501f
fff01ff01fdff0801ff01ff01ff01ff01feff0201ff01feff0501ff01ff01fffc01faff040101ffff01f
eff0201ff01feff0401ffff0101feff0001fcff0001feff0201ff01feff0101fffb01fdff01010181
ffd8ff01f58cff0601ffff0101ff01feff0001f9ff0001feff0001feff0201ff01feff0201ff01feff
0001fefffa01feff0601ffff0101ff01feff0001f9ff0001feff0001feff0201ff01feff0001fcff0
001f9fffc0104ffff01ff01fdff0801ff01ff01ff01ff01feff0201ff01feff0601ff01ff01ff01f4ff0
201ff01feff0201ff01feff0001fdff0301ffff01fcff0001feff0201ff01feff0201ff01fdff0001f
bff000181ff81ffe4ff0601ffff0101ff01feff0001f9ff0001feff0001feff0201ff01feff0201ff
01feff0001fefffa01feff0601ffff0101ff01feff0001f9ff0001feff0001feff0201ff01feff000
1fcff0001f9fffc0104ffff01ff01fdff0801ff01ff01ff01ff01feff0201ff01feff0601ff01ff01ff0
 Bello/Sheehan

1f4ff0201ff01feff0201ff01feff0001fdff0301ffff01fcff0001feff0201ff01feff0201ff01fdff
0001fbff000181ff81ffe4ff0601ffff0101ff01feff0001f9ff0001feff0001feff0201ff01feff0
201ff01feff0001fefffa01feff0601ffff0101ff01feff0001f9ff0001feff0001feff0201ff01fef
f0001fcff0001f9fffc0104ffff01ff01fdff0801ff01ff01ff01ff01feff0201ff01feff0601ff01ff
01ff01f4ff0201ff01feff0201ff01feff0001fdff0301ffff01fcff0001feff0201ff01feff0201ff
01fdff0001fbff000181ffd9ff02198bff0001feff0001feff0001f9ff0001fdff0001feff0201f
f01feff0201ff01feff0001f3ff0001feff0001feff0001f9ff0001fdff0001feff0201ff01feff02
01ff01feff0001faff0001fcff0401ff01ff01fdff0801ffff01ffff01ff01feff0c01ff0101ffff01ff
01ff01ff01feff0001fdff0001fdff0e01ff01ffff0101ff0101ffff01ff01feff0201ff01feff0201f
f01feff0801ff0101ffff01ff01feff010101feff0001feff000181ff81ffe4ff0001feff0001feff
0001f9ff0001fdff0001feff0201ff01feff0201ff01feff0001f3ff0001feff0001feff0001f9ff
0001fdff0001feff0201ff01feff0201ff01feff0001faff0001fcff0401ff01ff01fdff0801ffff0
1ffff01ff01feff0c01ff0101ffff01ff01ff01ff01feff0001fdff0001fdff0e01ff01ffff0101ff010
1ffff01ff01feff0201ff01feff0201ff01feff0801ff0101ffff01ff01feff010101feff0001feff00
0181ff81ffe4ff0001feff0001feff0001f9ff0001fdff0001feff0201ff01feff0201ff01feff00
01f3ff0001feff0001feff0001f9ff0001fdff0001feff0201ff01feff0201ff01feff0001faff00
01fcff0401ff01ff01fdff0801ffff01ffff01ff01feff0c01ff0101ffff01ff01ff01ff01feff0001fdf
f0001fdff0e01ff01ffff0101ff0101ffff01ff01feff0201ff01feff0201ff01feff0801ff0101ffff
01ff01feff010101feff0001feff000181ffdaff01c88afffe0102ff01fffc01fdfffc0101fffffe0
1fefffe01fefffe01f1fffe0102ff01fffc01fdfffc0101fffffe01fefffe01fefffe01feff0001fdff00
01fcff0401ff01ff01fdff0801ffff01ffff01fffffe010cffff01ff0101ffff01ff01fffffe01fbfffd01f
eff080101ff01ff01ff0101fefffe01fefffe0102ffff01feff0501ff01ff0101fefffe0101ff01fdff
fe0181ff81ffe2fffe0102ff01fffc01fdfffc0101fffffe01fefffe01fefffe01f1fffe0102ff01fffc
01fdfffc0101fffffe01fefffe01fefffe01feff0001fdff0001fcff0401ff01ff01fdff0801ffff01fff
f01fffffe010cffff01ff0101ffff01ff01fffffe01fbfffd01feff080101ff01ff01ff0101fefffe01fe
fffe0102ffff01feff0501ff01ff0101fefffe0101ff01fdfffe0181ff81ffe2fffe0102ff01fffc01f
dfffc0101fffffe01fefffe01fefffe01f1fffe0102ff01fffc01fdfffc0101fffffe01fefffe01fefffe0
1feff0001fdff0001fcff0401ff01ff01fdff0801ffff01ffff01fffffe010cffff01ff0101ffff01ff01
fffffe01fbfffd01feff080101ff01ff01ff0101fefffe01fefffe0102ffff01feff0501ff01ff0101fe
fffe0101ff01fdfffe0181ffd9ff002081ffadff000181ff81ff81ff99ff000181ff81ff81ff99ff0
00181ff81ffedff002081ffadff000181ff81ff81ff99ff000181ff81ff81ff99ff000181ff81ffe
dff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff
81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff
81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff0059fbff010101fefffe0181ff81ff86ff0501
01ffff0101fdff0301ffff01a9ff010101fefffe0181ff81ff86ff050101ffff0101fdff0301ffff01
a9ff010101fefffe0181ff81ff86ff050101ffff0101fdff0301ffff01afff005ffcff0601ffff01ffff
0181ff81ff85ff0d01ffff0101ffff01ffff01ff0101a9ff0601ffff01ffff0181ff81ff85ff0d01ffff
0101ffff01ffff01ff0101a9ff0601ffff01ffff0181ff81ff85ff0d01ffff0101ffff01ffff01ff0101
aeff004df9ff0101fffe0181ff81ff83ff040101ffff01feff0201ff01a6ff0101fffe0181ff81ff8
3ff040101ffff01feff0201ff01a6ff0101fffe0181ff81ff83ff040101ffff01feff0201ff01aeff
0053faff0601ffff01ffff0181ff81ff85ff0501ff01ffff01fcff0001a7ff0601ffff01ffff0181ff81
ff85ff0501ff01ffff01fcff0001a7ff0601ffff01ffff0181ff81ff85ff0501ff01ffff01fcff0001ae
ff0053f9ff0001fdff000181ff81ff85ff0501ff01ffff01fdff0201ff01a7ff0001fdff000181ff8
1ff85ff0501ff01ffff01fdff0201ff01a7ff0001fdff000181ff81ff85ff0501ff01ffff01fdff020

15 | P a g e
1ff01afff0065fcff0801ffff01ff01ffff0181ff81ff86ff0601ffff01ffff01fdff030101ff01abff0
801ffff01ff01ffff0181ff81ff86ff0601ffff01ffff01fdff030101ff01abff0801ffff01ff01ffff01
81ff81ff86ff0601ffff01ffff01fdff030101ff01b0ff004afbff010101feff01010181ff81ff86f
ffa01fcff0201ff01a9ff010101feff01010181ff81ff86fffa01fcff0201ff01a9ff010101feff0
1010181ff81ff86fffa01fcff0201ff01afff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff8
1ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff8
1ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff00188
1ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff8
1ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff8
1ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc
6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff
81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff
81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff
81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff
81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff
001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff005681ff81ffb3ff0001feff01010
1fcff030101fffffe0102ffff0181ff81ff81ffadff0001feff010101fcff030101fffffe0102ffff0
181ff81ff81ffadff0001feff010101fcff030101fffffe0102ffff0181fffbff005f81ff81ffb4ff0
70101ffff01ffff01feff0a01ffff01ff01ff01ffff0181ff81ff81ffaeff070101ffff01ffff01feff0a
01ffff01ff01ff01ffff0181ff81ff81ffaeff070101ffff01ffff01feff0a01ffff01ff01ff01ffff0181
fffbff005681ff81ffb5ff0501ff01ffff01fbff0901ffff01ff01ff01ff0181ff81ff81ffaeff0501ff
01ffff01fbff0901ffff01ff01ff01ff0181ff81ff81ffaeff0501ff01ffff01fbff0901ffff01ff01ff0
1ff0181fffaff005081ff81ffb3ff0201fffffe01fcfffe0100fffe0100fffd0181ff81ff81ffafff02
01fffffe01fcfffe0100fffe0100fffd0181ff81ff81ffafff0201fffffe01fcfffe0100fffe0100fffd
0181fffdff005681ff81ffb3ff0601ffff01ffff01fbff0001fdff0401ff01ff0181ff81ff81ffafff0
601ffff01ffff01fbff0001fdff0401ff01ff0181ff81ff81ffafff0601ffff01ffff01fbff0001fdff04
01ff01ff0181fffdff006281ff81ffb3ff0601ffff01ffff01feff0301ffff01feff0501ffff01ff0181
ff81ff81ffafff0601ffff01ffff01feff0301ffff01feff0501ffff01ff0181ff81ff81ffafff0601ffff0
1ffff01feff0301ffff01feff0501ffff01ff0181fffdff005c81ff81ffb3ff0001feff010101feff03
01ff0101fdff0201fffffe0181ff81ff81ffafff0001feff010101feff0301ff0101fdff0201fffffe
0181ff81ff81ffafff0001feff010101feff0301ff0101fdff0201fffffe0181fffdff001881ff81ff
81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff
81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff
81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff0018
81ff81ff81ff81ff81ff81ff81ff81ff81ff81ff81ffc6ff001881ff81ff81ff81ff81ff81ff81ff81ff
81ff81ff81ffc6ff0032fbff010101feff01010181ff81ff81ff9fff010101feff01010181ff81ff
81ff9fff010101feff01010181ff81ff81ffa5ff0071fcff0801ffff01ff01ffff0181ff85ff0001fe
ff010101fbff020101fffe0102ffff0181ffb2ff0801ffff01ff01ffff0181ff85ff0001feff01010
1fbff020101fffe0102ffff0181ffb2ff0801ffff01ff01ffff0181ff85ff0001feff010101fbff020
101fffe0102ffff0181ffb7ff0079f9ff0501ff01ffff0181ff86ff070101ffff01ffff01fdff0901ff
ff0101ff01ffff0181ffafff0501ff01ffff0181ff86ff070101ffff01ffff01fdff0901ffff0101ff01f
fff01c6fffb8881fff0ff0501ff01ffff0181ff86ff070101ffff01ffff01fdff0901ffff0101ff01ffff
01c6fffb0081fff8ff0073faff0601ffff01ffff0181ff87ff0501ff01ffff01faff0801ffff0101ff01
ff0181ffafff0601ffff01ffff0181ff87ff0501ff01ffff01faff0801ffff0101ff01ff01c6fff98881
 Bello/Sheehan

fff2ff0601ffff01ffff0181ff87ff0501ff01ffff01faff0801ffff0101ff01ff01c6fff90081fff9ff0
06df9ff0501ff01ffff0181ff85ff0201fffffe01fcff0201fffffd0100fffd0181ffb1ff0501ff01ff
ff0181ff85ff0201fffffe01fcff0201fffffd0100fffd01c9fff98881fff1ff0501ff01ffff0181ff85
ff0201fffffe01fcff0201fffffd0100fffd01c9fff90081fff9ff0085fcff0801ffff01ff01ffff0181f
f85ff0601ffff01ffff01fdff0301ffff01feff0401ff01ff0181ffb4ff0801ffff01ff01ffff0181ff85
ff0601ffff01ffff01fdff0301ffff01feff0401ff01ff01c9fff98881fff4ff0801ffff01ff01ffff018
1ff85ff0601ffff01ffff01fdff0301ffff01feff0401ff01ff01c9fff90081fff9ff007cfbff030101f
ffffe0181ff84ff0601ffff01ffff01fdff0b01ffff01ffff01ffff01ff0181ffb3ff030101fffffe0181f
f84ff0601ffff01ffff01fdff0b01ffff01ffff01ffff01ff01cffff38881fff3ff030101fffffe0181ff8
4ff0601ffff01ffff01fdff0b01ffff01ffff01ffff01ff01cffff30081fff9ff006781ff81fff7ff0001f
eff010101feff0401ffff0101feff0201fffffe0181ff81ff81ffafff0001feff010101feff0401ffff
0101feff0201fffffe01d6ffec8881ff81ff81ffefff0001feff010101feff0401ffff0101feff020
1fffffe01d6ffec0081fff9ff002681ff81ff81ff81ff81ff81ffd3fff288fcfff98881ff81ff81ffb4f
ff200fcfff90081fff9ff001e81ff81ff81ff81ff81ff81ffdafff28881ff81ff81ffa7fff20081ffe5f
f001e81ff81ff81ff81ff81ff81ffe1fff28881ff81ff81ffa7fff20081ffdeff001e81ff81ff81ff8
1ff81ff81ffe6fff48881ff81ff81ffa5fff40081ffd7ff001e81ff81ff81ff81ff81ff81ffecfff588
81ff81ff81ffa4fff50081ffd0ff001e81ff81ff81ff81ff81ff81fff1fff58881ff81ff81ffa4fff50
081ffcbff002481ff81ff81ff81ff81ff87fffb88f6fff68881ff81ff81ffb4fffb00f6fff60081ffc5
ff002481ff81ff81ff81ff81ff88fffa88fcfff58881ff81ff81ffb0fffa00fcfff50081ffc0ff001c8
1ff81ff81ff81ff81ff88ffee8881ff81ff81ffabffee0081ffbbff001c81ff81ff81ff81ff81ff88ff
f48881ff81ff81ffa5fff40081ffb5ff001c81ff81ff81ff81ff81ff8afff78881ff81ff81ffa2fff70
081ffb0ff001c81ff81ff81ff81ff81ff8efff48881ff81ff81ffa5fff40081ffafff002481ff81ff8
1ff81ff81ff91fff98800fffa8881ff81ff81ffa8fff90000fffa0081ffafff001c81ff81ff81ff81ff
81ff95fff98881ff81ff81ffa0fff90081ffa3ff005681ffbfff0001fcff0001fdfffe0100fffe010
2ffff0181ff81ff81ffadff0001fcff0001fdfffe0100fffe0102ffff01d9fff88881ff81ff81ffdeff
0001fcff0001fdfffe0100fffe0102ffff01d9fff80081ffa0ff005f81ffc0ff010101fdff010101
fdff0001feff0501ff01ffff0181ff81ff81ffaeff010101fdff010101fdff0001feff0501ff01ffff
01dcfff98881ff81ff81ffdbff010101fdff010101fdff0001feff0501ff01ffff01dcfff90081ff9
cff006281ffc1ff0201ff01feff0201ff01fefffe0106ffff01ff01ff0181ff81ff81ffaeff0201ff0
1feff0201ff01fefffe0106ffff01ff01ff01dffff98881ff81ff81ffd8ff0201ff01feff0201ff01fe
fffe0106ffff01ff01ff01dffff90081ff98ff005981ffbfff0001feff0201ff01fbff0101fffe0100f
ffd0181ff81ff81ffafff0001feff0201ff01fbff0101fffe0100fffd01e5fff98881ff81ff81ffd3ff
0001feff0201ff01fbff0101fffe0100fffd01e5fff90081ff95ff005c81ffbfff0601ffff01ffff01
fbff0001fdff0401ff01ff0181ff81ff81ffafff0601ffff01ffff01fbff0001fdff0401ff01ff01e8ff
fa8881ff81ff81ffcfff0601ffff01ffff01fbff0001fdff0401ff01ff01e8fffa0081ff91ff006281f
fbfff0201fffffc0105ffff01ffff01feff0501ffff01ff0181ff81ff81ffafff0201fffffc0105ffff01fff
f01feff0501ffff01ff01ecfff98881ff81ff81ffccff0201fffffc0105ffff01ffff01feff0501ffff01f
f01ecfff90081ff8eff008981ffbfff0001fcff0601ff01ffff0101fdff0201fffffe0181ffd0ff020
1fffffe01feff0301ffff0181ff81ffedff0001fcff0601ff01ffff0101fdff0201fffffe01effff9888
1ffeaff0201fffffe01feff0301ffff0181ff81ffedff0001fcff0601ff01ffff0101fdff0201fffffe0
1effff90081ffeaff0201fffffe01feff0301ffff01afff004981ff81ff81fff8ff040101ffff01fdff0
301ff010181ff81ffc7fff98881ffe7ff040101ffff01fdff0301ff010181ff81ffc7fff90081ffe7
ff040101ffff01fdff0301ff0101aeff004381ff81ff81fff7ff0101fffe01fdff0201ff0181ff81ff
cafff98881ffe3ff0101fffe01fdff0201ff0181ff81ffcafff90081ffe3ff0101fffe01fdff0201ff

17 | P a g e
01aeff004381ff81ff81fff7ff0501ff01ffff01fcff000181ff81ffcdfffa8881ffdfff0501ff01ffff
01fcff000181ff81ffcdfffa0081ffdfff0501ff01ffff01fcff0001aeff004c81ff81ffb0ffe900e
0ff0001fdff0001fdff0201ff0181ff81ffd2fff98895ffe988e0ff0001fdff0001fdff0201ff01
81ff81ffd2fff90095ffe9c2e0ff0001fdff0001fdff0201ff01afff005281ff81ffb0ffe900e0ff
0501ff01ffff01fdff030101ff0181ff81ffd6fff98892ffe988e0ff0501ff01ffff01fdff030101f
f0181ff81ffd6fff90092ffe9c2e0ff0501ff01ffff01fdff030101ff01b0ff004c81ff81ffb0ffe9
00e0ff0401ffff0101fcff0201ff0181ff81ffd9fff9888effe988e0ff0401ffff0101fcff0201ff0
181ff81ffd9fff9008effe9c2e0ff0401ffff0101fcff0201ff01afff002a81ff81ffb0ffe90081ff
81ffb9fffa88fdfff9888bffe98881ff81ffb9fffa00fdfff9008bffe9c281ff002a81ff81ffb0ffe
90081ff81ffb9fffa8800fffa8887ffe98881ff81ffb9fffa0000fffa0087ffe9c281ff003dfbff0
10101fefffe0181ff81ffbeffe90081fffbff010101fefffe0181ffc7fff58884ffe98881fffbff01
0101fefffe0181ffc7fff50084ffe9c281ff0040fcff0601ffff01ffff0181ff81ffbcffe90081fffc
ff0601ffff01ffff0181ffc5fff88881ffe98881fffcff0601ffff01ffff0181ffc5fff80081ffe9c28
1ff003df9ff0101fffe0181ff81ffbdffe90081fff9ff0101fffe0181ffc9fff78881ff01ffffe988
81fff9ff0101fffe0181ffc9fff70081ff01ffffe9c281ff0046faff0601ffff01ffff0181ff81ffbeff
e90081fffaff0601ffff01ffff0181ffcdfff48881ff01ffffe98881fffaff0601ffff01ffff0181ffcdf
ff40081ff01ffffe9c281ff004afaff0001fcff000181ff81ffbeffe90081fffaff0001fcff00018
1ffd1fff98801fffffa8881ff01ffffe98881fffaff0001fcff000181ffd1fff90001fffffa0081ff01
ffffe9c281ff0047fbff0001feff0301ffff0181ff81ffbeffe90081fffbff0001feff0301ffff0181
ffd5fff88881fff3ffe98881fffbff0001feff0301ffff0181ffd5fff80081fff3ffe9c281ff0041fcf
ffd0103ffff010181ff81ffbdffe90081fffcfffd0103ffff010181ffd7fff98881ffefffe98881fff
cfffd0103ffff010181ffd7fff90081ffefffe9c281ff006288ff0001feff010101fcff030101ffff
fe0102ffff0181ffbeffe90081ff88ff0001feff010101fcff030101fffffe0102ffff01dcfff9888
1ffebffe98881ff88ff0001feff010101fcff030101fffffe0102ffff01dcfff90081ffebffe9c28
1ff006b89ff070101ffff01ffff01feff0a01ffff01ff01ff01ffff0181ffbeffe90081ff89ff07010
1ffff01ffff01feff0a01ffff01ff01ff01ffff01dffff98881ffe8ffe98881ff89ff070101ffff01ffff0
1feff0a01ffff01ff01ff01ffff01dffff90081ffe8ffe9c281ff00658aff0201ff01fcff0001feff0
901ffff01ff01ff01ff0181ffbdffe90081ff8aff0201ff01fcff0001feff0901ffff01ff01ff01ff01
e2fff98881ffe4ffe98881ff8aff0201ff01fcff0001feff0901ffff01ff01ff01ff01e2fff90081ff
e4ffe9c281ff006588ff0001fdff0001fcff030101fffffe0100fffd0189ffe900d0ffe90081ff
88ff0001fdff0001fcff030101fffffe0100fffd01e9fff888aaffe988d0ffe98881ff88ff0001f
dff0001fcff030101fffffe0100fffd01e9fff800aaffe9c2d0ffe9c281ff006b88ff0001feff00
01fcff0301ffff01fdff0401ff01ff0189ffe900d0ffe90081ff88ff0001feff0001fcff0301ffff0
1fdff0401ff01ff01ecfff988a6ffe988d0ffe98881ff88ff0001feff0001fcff0301ffff01fdff04
01ff01ff01ecfff900a6ffe9c2d0ffe9c281ff006b88ff0301ffff01fbff0301ffff01feff0501ffff
01ff0189ffe900d0ffe90081ff88ff0301ffff01fbff0301ffff01feff0501ffff01ff01effffa88a2
ffe988d0ffe98881ff88ff0301ffff01fbff0301ffff01feff0501ffff01ff01effffa00a2ffe9c2d0
ffe9c281ff006b88ff0201fffffd0105ff01ffff0101fdff0201fffffe0189ffe900d0ffe90081ff
88ff0201fffffd0105ff01ffff0101fdff0201fffffe01f2fffa889fffe988d0ffe98881ff88ff0201
fffffd0105ff01ffff0101fdff0201fffffe01f2fffa009fffe9c2d0ffe9c281ff002e81ff81fff9ffe
900d0ffe90081ff81ffe5fffa889cffe988d0ffe98881ff81ffe5fffa009cffe9c2d0ffe9c281ff
002e81ff81fff9ffe900d0ffe90081ff81ffe8fffa8899ffe988d0ffe98881ff81ffe8fffa0099ff
e9c2d0ffe9c281ff002e81ff81fff9ffe900d0ffe90081ff81ffecfff98896ffe988d0ffe98881
ff81ffecfff90096ffe9c2d0ffe9c281ff002e81ff81fff9ffe900d0ffe90081ff81ffeffff98893f
 Bello/Sheehan

fe988d0ffe98881ff81ffeffff90093ffe9c2d0ffe9c281ff002e81ff81fff9ffe900d0ffe90081
ff81fff2fffa888fffe988d0ffe98881ff81fff2fffa008fffe9c2d0ffe9c281ff002e81ff81fff9ffe
900d0ffe90081ff81fff5fffa888cffe988d0ffe98881ff81fff5fffa008cffe9c2d0ffe9c281ff0
03281ff81fff9ffe900d0ffe90081ff82fffa88fdfffb8889ffe988d0ffe98881ff82fffa00fdfff
b0089ffe9c2d0ffe9c281ff003281ff81fff9ffe900d0ffe90081ff82fffa8800fffb8886ffe98
8d0ffe98881ff82fffa0000fffb0086ffe9c2d0ffe9c281ff002a81ff81fff9ffe900d0ffe9008
1ff82fff58884ffe988d0ffe98881ff82fff50084ffe9c2d0ffe9c281ff002a81ff81fff9ffe900
d0ffe90081ff82fff88881ffe988d0ffe98881ff82fff80081ffe9c2d0ffe9c281ff003081ff81
fff9ffe900d0ffe90081ff83fff98881ff01ffffe988d0ffe98881ff83fff90081ff01ffffe9c2d0f
fe9c281ff003081ff81fff9ffe900d0ffe90081ff85fff78881ff01ffffe988d0ffe98881ff85fff
70081ff01ffffe9c2d0ffe9c281ff003081ff81fff9ffe900d0ffe90081ff88fff48881ff01ffffe
988d0ffe98881ff88fff40081ff01ffffe9c2d0ffe9c281ff002e81ff81fff9ffe900d0ffe9008
1ff8afffb8881fff6ffe988d0ffe98881ff8afffb0081fff6ffe9c2d0ffe9c281ff002e81ff81fff9
ffe900d0ffe90081ff8dfffb8881fff3ffe988d0ffe98881ff8dfffb0081fff3ffe9c2d0ffe9c28
1ff002e81ff81fff9ffe900d0ffe90081ff8ffffb8881fff1ffe988d0ffe98881ff8ffffb0081fff1f
fe9c2d0ffe9c281ff002e81ff81fff9ffe900d0ffe90081ff91fffc8881ffeeffe988d0ffe9888
1ff91fffc0081ffeeffe9c2d0ffe9c281ff003481ffc2ffe800d1ffe900d0ffe90081ff94fffb88
b5ffe888d1ffe988d0ffe98881ff94fffb00b5ffe8c2d1ffe9c2d0ffe9c281ff003481ffc2ffe
800d1ffe900d0ffe90081ff96fffb88b3ffe888d1ffe988d0ffe98881ff96fffb00b3ffe8c2d1
ffe9c2d0ffe9c281ff003481ffc2ffe800d1ffe900d0ffe90081ff98fffc88b0ffe888d1ffe98
8d0ffe98881ff98fffc00b0ffe8c2d1ffe9c2d0ffe9c281ff003481ffc2ffe800d1ffe900d0ffe
90081ff9bfffb88aeffe888d1ffe988d0ffe98881ff9bfffb00aeffe8c2d1ffe9c2d0ffe9c281
ff003481ffc2ffe800d1ffe900d0ffe90081ff9dfffb88acffe888d1ffe988d0ffe98881ff9dff
fb00acffe8c2d1ffe9c2d0ffe9c281ff003481ffc2ffe800d1ffe900d0ffe90081ff9ffffc88a9
ffe888d1ffe988d0ffe98881ff9ffffc00a9ffe8c2d1ffe9c2d0ffe9c281ff003481ffc2ffe800
d1ffe900d0ffe90081ffa2fffb88a7ffe888d1ffe988d0ffe98881ffa2fffb00a7ffe8c2d1ffe9
c2d0ffe9c281ff0052fbff010101feff01010181ffcfffe800d1ffe900d0ffe90081fffbff0101
01feff010101b1fffb88a5ffe888d1ffe988d0ffe98881fffbff010101feff010101b1fffb00a
5ffe8c2d1ffe9c2d0ffe9c281ff0098fcff0801ffff01ff01ffff01dfff0001feff010101fcff0301
01fffffe0102ffff0187ffe800d1ffe900d0ffe90081fffcff0801ffff01ff01ffff01dfff0001feff0
10101fcff030101fffffe0102ffff01ebfffc88a2ffe888d1ffe988d0ffe98881fffcff0801ffff0
1ff01ffff01dfff0001feff010101fcff030101fffffe0102ffff01ebfffc00a2ffe8c2d1ffe9c2d0
ffe9c281ff0098f9ff0501ff01ffff01e0ff070101ffff01ffff01feff0a01ffff01ff01ff01ffff0187
ffe800d1ffe900d0ffe90081fff9ff0501ff01ffff01e0ff070101ffff01ffff01feff0a01ffff01ff0
1ff01ffff01edfffc88a0ffe888d1ffe988d0ffe98881fff9ff0501ff01ffff01e0ff070101ffff01
ffff01feff0a01ffff01ff01ff01ffff01edfffc00a0ffe8c2d1ffe9c2d0ffe9c281ff0092faff0601
ffff01ffff01e1ff0801ff01ffff01ffff01fbff0601ff01ff01ff0186ffe800d1ffe900d0ffe90081f
ffaff0601ffff01ffff01e1ff0801ff01ffff01ffff01fbff0601ff01ff01ff01eefffc889effe888d1ff
e988d0ffe98881fffaff0601ffff01ffff01e1ff0801ff01ffff01ffff01fbff0601ff01ff01ff01eeff
fc009effe8c2d1ffe9c2d0ffe9c281ff0095faff0601ffff01ffff01dfff0601ffff01ffff01fdff03
0101fffffe0100fffd0189ffe800d1ffe900d0ffe90081fffaff0601ffff01ffff01dfff0601ffff01
ffff01fdff030101fffffe0100fffd01f3fffc889cffe888d1ffe988d0ffe98881fffaff0601ffff01
ffff01dfff0601ffff01ffff01fdff030101fffffe0100fffd01f3fffc009cffe8c2d1ffe9c2d0ffe9c
281ff0095fbff0001feff0301ffff01dfff0601ffff01ffff01fbff0001fdff0401ff01ff0189ffe80

19 | P a g e
 0d1ffe900d0ffe90081fffbff0001feff0301ffff01dfff0601ffff01ffff01fbff0001fdff0401ff0
1ff01f5fffc889affe888d1ffe988d0ffe98881fffbff0001feff0301ffff01dfff0601ffff01ffff0
1fbff0001fdff0401ff01ff01f5fffc009affe8c2d1ffe9c2d0ffe9c281ff0098fcfffd0100fffe0
1deff0601ffff01ffff01feff0301ffff01feff0501ffff01ff0189ffe800d1ffe900d0ffe90081fff
cfffd0100fffe01deff0601ffff01ffff01feff0301ffff01feff0501ffff01ff01f7fffc8898ffe888d
1ffe988d0ffe98881fffcfffd0100fffe01deff0601ffff01ffff01feff0301ffff01feff0501ffff01f
f01f7fffc0098ffe8c2d1ffe9c2d0ffe9c281ff007ad1ff0001feff080101ffff01ffff0101fdff0
201fffffe0189ffe800d1ffe900d0ffe90081ffd1ff0001feff080101ffff01ffff0101fdff0201f
ffffe01fafffb8896ffe888d1ffe988d0ffe98881ffd1ff0001feff080101ffff01ffff0101fdff02
01fffffe01fafffb0096ffe8c2d1ffe9c2d0ffe9c281ff003481ffc2ffe800d1ffe900d0ffe900
81ffb5fffb8894ffe888d1ffe988d0ffe98881ffb5fffb0094ffe8c2d1ffe9c2d0ffe9c281ff00
3481ffc2ffe800d1ffe900d0ffe90081ffb7fffc8891ffe888d1ffe988d0ffe98881ffb7fffc00
91ffe8c2d1ffe9c2d0ffe9c281ff003481ffc2ffe800d1ffe900d0ffe90081ffb9fffc888fffe8
88d1ffe988d0ffe98881ffb9fffc008fffe8c2d1ffe9c2d0ffe9c281ff003481ffc2ffe800d1ff
e900d0ffe90081ffbbfffc888dffe888d1ffe988d0ffe98881ffbbfffc008dffe8c2d1ffe9c2d
0ffe9c281ff003481ffc2ffe800d1ffe900d0ffe90081ffbefffb888bffe888d1ffe988d0ffe9
8881ffbefffb008bffe8c2d1ffe9c2d0ffe9c281ff003e8affe900d1ffe800d1ffe900d0ffe9
0081ffc0fffb88d1ffe988d1ffe888d1ffe988d0ffe98881ffc0fffb00d1ffe9c2d1ffe8c2d1ff
e9c2d0ffe9c281ff00488affe900d1ffe800d1ffe900d0ffe90081ffcbfffa8801fffffc88ceff
e988d1ffe888d1ffe988d0ffe98881ffcbfffa0001fffffc00ceffe9c2d1ffe8c2d1ffe9c2d0ff
e9c281ff003e8affe900d1ffe800d1ffe900d0ffe90081ffcbfff588ccffe988d1ffe888d1ffe
988d0ffe98881ffcbfff500ccffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff003e8affe900d1ffe8
00d1ffe900d0ffe90081ffcbfff788caffe988d1ffe888d1ffe988d0ffe98881ffcbfff700caff
e9c2d1ffe8c2d1ffe9c2d0ffe9c281ff003e8affe900d1ffe800d1ffe900d0ffe90081ffcbfff
988c8ffe988d1ffe888d1ffe988d0ffe98881ffcbfff900c8ffe9c2d1ffe8c2d1ffe9c2d0ffe9
c281ff003e8affe900d1ffe800d1ffe900d0ffe90081ffcbfffa88c7ffe988d1ffe888d1ffe9
88d0ffe98881ffcbfffa00c7ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff006b8affe900d1ffe80
0d1ffe900d0ffe900e0ff0401ffff0101fdff0301ffff0181fff9fffa88c7ffe988d1ffe888d1ffe
988d0ffe988e0ff0401ffff0101fdff0301ffff0181fff9fffa00c7ffe9c2d1ffe8c2d1ffe9c2d0f
fe9c2e0ff0401ffff0101fdff0301ffff01afff006e8affe900d1ffe800d1ffe900d0ffe900e1ff
0c0101ff01ffff01ffff01ff010181fff8fffa88c7ffe988d1ffe888d1ffe988d0ffe988e1ff0c0
101ff01ffff01ffff01ff010181fff8fffa00c7ffe9c2d1ffe8c2d1ffe9c2d0ffe9c2e1ff0c0101ff
01ffff01ffff01ff0101aeff00638affe900d1ffe800d1ffe900d0ffe900e0ff0501ff01ffff01fe
ff0201ff0181ffb7ffe988d1ffe888d1ffe988d0ffe988e0ff0501ff01ffff01feff0201ff0181ff
b7ffe9c2d1ffe8c2d1ffe9c2d0ffe9c2e0ff0501ff01ffff01feff0201ff01aeff005d8affe900
d1ffe800d1ffe900d0ffe900e0ff0501ff01ffff01fcff000181ffb7ffe988d1ffe888d1ffe988
d0ffe988e0ff0501ff01ffff01fcff000181ffb7ffe9c2d1ffe8c2d1ffe9c2d0ffe9c2e0ff0501f
f01ffff01fcff0001aeff00638affe900d1ffe800d1ffe900d0ffe900e0ff0501ff01ffff01fdff0
201ff0181ffb8ffe988d1ffe888d1ffe988d0ffe988e0ff0501ff01ffff01fdff0201ff0181ffb8
ffe9c2d1ffe8c2d1ffe9c2d0ffe9c2e0ff0501ff01ffff01fdff0201ff01afff00668affe900d1ff
e800d1ffe900d0ffe900e0ff0501ff01ffff01fdff030101ff0181ffb9ffe988d1ffe888d1ffe9
88d0ffe988e0ff0501ff01ffff01fdff030101ff0181ffb9ffe9c2d1ffe8c2d1ffe9c2d0ffe9c2
e0ff0501ff01ffff01fdff030101ff01b0ff005d8affe900d1ffe800d1ffe900d0ffe900e0ff01
01fffe01fcff0201ff0181ffb8ffe988d1ffe888d1ffe988d0ffe988e0ff0101fffe01fcff0201f
 Bello/Sheehan

f0181ffb8ffe9c2d1ffe8c2d1ffe9c2d0ffe9c2e0ff0101fffe01fcff0201ff01afff00368affe9
00d1ffe800d1ffe900d0ffe90081ff8affe988d1ffe888d1ffe988d0ffe98881ff8affe9c2d1
ffe8c2d1ffe9c2d0ffe9c281ff00368affe900d1ffe800d1ffe900d0ffe90081ff8affe988d1
ffe888d1ffe988d0ffe98881ff8affe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff00368affe900d1f
fe800d1ffe900d0ffe90081ff8affe988d1ffe888d1ffe988d0ffe98881ff8affe9c2d1ffe8c
2d1ffe9c2d0ffe9c281ff00368affe900d1ffe800d1ffe900d0ffe90081ff8affe988d1ffe88
8d1ffe988d0ffe98881ff8affe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff00368affe900d1ffe80
0d1ffe900d0ffe90081ff8affe988d1ffe888d1ffe988d0ffe98881ff8affe9c2d1ffe8c2d1ff
e9c2d0ffe9c281ff00368affe900d1ffe800d1ffe900d0ffe90081ff8affe988d1ffe888d1ff
e988d0ffe98881ff8affe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff00368affe900d1ffe800d1ff
e900d0ffe90081ff8affe988d1ffe888d1ffe988d0ffe98881ff8affe9c2d1ffe8c2d1ffe9c2
d0ffe9c281ff00368affe900d1ffe800d1ffe900d0ffe90081ff8affe988d1ffe888d1ffe988
d0ffe98881ff8affe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff00368affe900d1ffe800d1ffe900
d0ffe90081ff8affe988d1ffe888d1ffe988d0ffe98881ff8affe9c2d1ffe8c2d1ffe9c2d0ffe
9c281ff00368affe900d1ffe800d1ffe900d0ffe90081ff8affe988d1ffe888d1ffe988d0ffe
98881ff8affe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff00368affe900d1ffe800d1ffe900d0ffe
90081ff8affe988d1ffe888d1ffe988d0ffe98881ff8affe9c2d1ffe8c2d1ffe9c2d0ffe9c28
1ff00368affe900d1ffe800d1ffe900d0ffe90081ff8affe988d1ffe888d1ffe988d0ffe9888
1ff8affe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff004efaff0001fefffe0198ffe900d1ffe800d1f
fe900d0ffe90081fffaff0001fefffe0198ffe988d1ffe888d1ffe988d0ffe98881fffaff0001f
efffe0198ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff0051fbff010101feff000196ffe900d1ff
e800d1ffe900d0ffe90081fffbff010101feff000196ffe988d1ffe888d1ffe988d0ffe98881
fffbff010101feff000196ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff005afaff0201fffffe01e0ff
e800d1ffe900d1ffe800d1ffe900d0ffe90081fffaff0201fffffe01e0ffe888d1ffe988d1ffe
888d1ffe988d0ffe98881fffaff0201fffffe01e0ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c
281ff0060faff0601ffff01ffff01e1ffe800d1ffe900d1ffe800d1ffe900d0ffe90081fffaff06
01ffff01ffff01e1ffe888d1ffe988d1ffe888d1ffe988d0ffe98881fffaff0601ffff01ffff01e1f
fe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff005afaff0001fcff0001e1ffe800d1ffe900
d1ffe800d1ffe900d0ffe90081fffaff0001fcff0001e1ffe888d1ffe988d1ffe888d1ffe988d
0ffe98881fffaff0001fcff0001e1ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff0060faff
0601ffff01ffff01e1ffe800d1ffe900d1ffe800d1ffe900d0ffe90081fffaff0601ffff01ffff01
e1ffe888d1ffe988d1ffe888d1ffe988d0ffe98881fffaff0601ffff01ffff01e1ffe8c2d1ffe9c
2d1ffe8c2d1ffe9c2d0ffe9c281ff005dfaff0001feff010101e0ffe800d1ffe900d1ffe800d
1ffe900d0ffe90081fffaff0001feff010101e0ffe888d1ffe988d1ffe888d1ffe988d0ffe988
81fffaff0001feff010101e0ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff0042d3ffe80
0d1ffe900d1ffe800d1ffe900d0ffe90081ffd3ffe888d1ffe988d1ffe888d1ffe988d0ffe98
881ffd3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff0042d3ffe800d1ffe900d1ffe80
0d1ffe900d0ffe90081ffd3ffe888d1ffe988d1ffe888d1ffe988d0ffe98881ffd3ffe8c2d1ff
e9c2d1ffe8c2d1ffe9c2d0ffe9c281ff0042d3ffe800d1ffe900d1ffe800d1ffe900d0ffe90
081ffd3ffe888d1ffe988d1ffe888d1ffe988d0ffe98881ffd3ffe8c2d1ffe9c2d1ffe8c2d1ff
e9c2d0ffe9c281ff0042d3ffe800d1ffe900d1ffe800d1ffe900d0ffe90081ffd3ffe888d1ff
e988d1ffe888d1ffe988d0ffe98881ffd3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff
0042d3ffe800d1ffe900d1ffe800d1ffe900d0ffe90081ffd3ffe888d1ffe988d1ffe888d1ff
e988d0ffe98881ffd3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff0042d3ffe800d1ff

21 | P a g e
e900d1ffe800d1ffe900d0ffe90081ffd3ffe888d1ffe988d1ffe888d1ffe988d0ffe98881ff
d3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff0042d3ffe800d1ffe900d1ffe800d1ff
e900d0ffe90081ffd3ffe888d1ffe988d1ffe888d1ffe988d0ffe98881ffd3ffe8c2d1ffe9c2
d1ffe8c2d1ffe9c2d0ffe9c281ff006cd3ffe800d1ffe900d1ffe800d1ffe900d0fffd000101
01fe00010101fb000001fb0081ffd3ffe888d1ffe988d1ffe888d1ffe988d0fffd88010101
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0010001000001fd00010101fb0081ffd3ffe888d1ffe988d1ffe888d1ffe988d0fffe8808
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c20801c2c201c201c2c201fdc2010101fbc281ff0066d3ffe800d1ffe900d1ffe800d1ffe
900d0fffb0002010001fb0002010001fb0081ffd3ffe888d1ffe988d1ffe888d1ffe988d0f
ffb8802018801fb8802018801fb8881ffd3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0fffbc202
01c201fbc20201c201fbc281ff0066d3ffe800d1ffe900d1ffe800d1ffe900d0fffc000201
0000fe01fb000001fb0081ffd3ffe888d1ffe988d1ffe888d1ffe988d0fffc8802018888fe
01fb880001fb8881ffd3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0fffcc20201c2c2fe01fbc20
001fbc281ff006fd3ffe800d1ffe900d1ffe800d1ffe900d0fffd000001fe000301000001f
c000001fb0081ffd3ffe888d1ffe988d1ffe888d1ffe988d0fffd880001fe880301888801f
c880001fb8881ffd3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0fffdc20001fec20301c2c201fc
c20001fbc281ff006fd3ffe800d1ffe900d1ffe800d1ffe900d0fffe000001fd0003010000
01fc000001fb0081ffd3ffe888d1ffe988d1ffe888d1ffe988d0fffe880001fd8803018888
01fc880001fb8881ffd3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0fffec20001fdc20301c2c20
1fcc20001fbc281ff0072d3ffe800d1ffe900d1ffe800d1ffe900d0fffe00fd01030000010
1fe000301000001fb0081ffd3ffe888d1ffe988d1ffe888d1ffe988d0fffe88fd010388880
101fe880301888801fb8881ffd3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0fffec2fd0103c2c2
0101fec20301c2c201fbc281ff0042d3ffe800d1ffe900d1ffe800d1ffe900d0ffe90081ff
d3ffe888d1ffe988d1ffe888d1ffe988d0ffe98881ffd3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2
d0ffe9c281ff006cd3ffe800d1ffe900d1ffe800d1fffc00010101fc000001fd00010101fc
00d0ffe90081ffd3ffe888d1ffe988d1ffe888d1fffc88010101fc880001fd88010101fc88
d0ffe98881ffd3ffe8c2d1ffe9c2d1ffe8c2d1fffcc2010101fcc20001fdc2010101fcc2d0ff
e9c281ff007bd3ffe800d1ffe900d1ffe800d1fffd000301000001fe00010101fe0003010
00001fd00d0ffe90081ffd3ffe888d1ffe988d1ffe888d1fffd880301888801fe88010101f
e880301888801fd88d0ffe98881ffd3ffe8c2d1ffe9c2d1ffe8c2d1fffdc20301c2c201fec
2010101fec20301c2c201fdc2d0ffe9c281ff0074d3ffe800d1ffe900d1ffe800d1fffa000
5010000010001fb000001fd00d0ffe900b3ff01eee6a3ffe888d1ffe988d1ffe888d1fffa
8805018888018801fb880001fd88d0ffe988b3ff01eee6a3ffe8c2d1ffe9c2d1ffe8c2d1f
ffac20501c2c201c201fbc20001fdc2d0ffe9c2b3ff01eee6d1ff009ed3ffe800d1ffe900d
1ffe800d1fffb000001fe0002010001fc000001fc00d0ffe900c7ff0073fe010073fbff01d
d01faff01b473a3ffe888d1ffe988d1ffe888d1fffb880001fe8802018801fc880001fc88d
0ffe988c7ff0073fe010073fbff01dd01faff01b473a3ffe8c2d1ffe9c2d1ffe8c2d1fffbc20
001fec20201c201fcc20001fcc2d0ffe9c2c7ff0073fe010073fbff01dd01faff01b473d1ff
00bfd3ffe800d1ffe900d1ffe800d1fffc000001fe000301000001fd000001fb00d0ffe90
0daffef0003ffffdd01feff0fe66d0188ff8f0173cf3a0188ffffb473a3ffe888d1ffe988d1ffe
888d1fffc880001fe880301888801fd880001fb88d0ffe988daffef8803ffffdd01feff0fe6
6d0188ff8f0173cf3a0188ffffb473a3ffe8c2d1ffe9c2d1ffe8c2d1fffcc20001fec20301c2
 Bello/Sheehan

c201fdc20001fbc2d0ffe9c2daffefc203ffffdd01feff0fe66d0188ff940173cf3a0188ffffb
473d1ff00b6d3ffe800d1ffe900d1ffe800d1fffd000001fd00fc0102000001fa00d0ffe90
0daffef0003ffffdd01feff0f8f8fff52b4dd01ffeecfa401eeffb473a3ffe888d1ffe988d1ffe8
88d1fffd880001fd88fc0102888801fa88d0ffe988daffef8803ffffdd01feff0f8f8fff52b4d
d01ffeecfa401eeffb473a3ffe8c2d1ffe9c2d1ffe8c2d1fffdc20001fdc2fc0102c2c201fac
2d0ffe9c2daffefc203ffffdd01feff0f9494ff52b4dd01ffeecfa401eeffb473d1ff00b9d3ffe
800d1ffe900d1ffe800d1fffd00fd01fd000301000100fd01fd00d0ffe900daffef0003ffff
dd01feff0f888fff6db4dd01ff8f88dd01ddffb473a3ffe888d1ffe988d1ffe888d1fffd88fd
01fd880301880188fd01fd88d0ffe988daffef8803ffffdd01feff0f888fff6db4dd01ff8f88
dd01ddffb473a3ffe8c2d1ffe9c2d1ffe8c2d1fffdc2fd01fdc20301c201c2fd01fdc2d0ffe
9c2daffefc203ffffdd01feff0f8894ff6db4dd01ff9488dd01ddffb473d1ff0092d3ffe800d
1ffe900d1ffe800d1ffe900d0ffe900daffef0003ffffdd01feff0fe63a7352eee63a73b43a
8f01ddffb473a3ffe888d1ffe988d1ffe888d1ffe988d0ffe988daffef8803ffffdd01feff0fe
63a7352eee63a73b43a8f01ddffb473a3ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c2daf
fefc203ffffdd01feff0fe63a7352eee63a73b43a9401ddffb473d1ff004ad3ffe800d1ffe9
00d1ffe800d1ffe900d0ffe900daffef008cffe888d1ffe988d1ffe888d1ffe988d0ffe988d
affef888cffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c2daffefc2baff0042d3ffe800d1ffe90
0d1ffe800d1ffe900d0ffe90081ffd3ffe888d1ffe988d1ffe888d1ffe988d0ffe98881ffd3f
fe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff0069d3ffe800d1ffe900d1fffc00010101f
e000001f9000001fc00d1ffe900d0ffe90081ffd3ffe888d1ffe988d1fffc88010101fe880
001f9880001fc88d1ffe988d0ffe98881ffd3ffe8c2d1ffe9c2d1fffcc2010101fec20001f9
c20001fcc2d1ffe9c2d0ffe9c281ff0089d3ffe800d1ffe900d1fffd00060100000100010
1fa00010101fc00d1ffe900d0ffe900c5ff01ddeee5ff01eee6afffe888d1ffe988d1fffd88
0601888801880101fa88010101fc88d1ffe988d0ffe988c5ff01ddeee5ff01eee6afffe8c
2d1ffe9c2d1fffdc20601c2c201c20101fac2010101fcc2d1ffe9c2d0ffe9c2c5ff01ddeee
5ff01eee6ddff009bd3ffe800d1ffe900d1fffa000301010001fb0002010001fc00d1ffe9
00d0ffe900c7ff04e63a7352b4efff01dd01faff01b473afffe888d1ffe988d1fffa8803010
18801fb8802018801fc88d1ffe988d0ffe988c7ff04e63a7352b4efff01dd01faff01b473
afffe8c2d1ffe9c2d1fffac2030101c201fbc20201c201fcc2d1ffe9c2d0ffe9c2c7ff04e63
a7352b4efff01dd01faff01b473ddff010dd3ffe800d1ffe900d1fffb000001fe000001fb0
002010001fc00d1ffe900d0ffe900c7ff33b452ddffeeffcf885252a43ab4ffcf3a0188ffcf
8f88e68f0173cf885252eeffb4526d52eee66d0188ffcf886d52eeffee736d73c1ffe888d
1ffe988d1fffb880001fe880001fb8802018801fc88d1ffe988d0ffe988c7ff33b452ddffe
effcf885252a43ab4ffcf3a0188ffcf8f88e68f0173cf885252eeffb4526d52eee66d0188f
fcf886d52eeffee736d73c1ffe8c2d1ffe9c2d1fffbc20001fec20001fbc20201c201fcc2d
1ffe9c2d0ffe9c2c7ff33b452ddffeeffcf885252a43ab4ffcf3a0188ffcf9488e6940173cf8
85252eeffb4526d52eee66d0188ffcf886d52eeffee736d73efff0113d3ffe800d1ffe900
d1fffc000001fd000001fc000301000001fc00d1ffe900d0ffe900c7ff34e652013acfffb4
6dee01cfb473ffeecfa401eeb452ddffdd01ffb46dff6db4ffb46dff6db48f8fff52b4b46dff
6db4ff8f6db401ddc2ffe888d1ffe988d1fffc880001fd880001fc880301888801fc88d1ff
e988d0ffe988c7ff34e652013acfffb46dee01cfb473ffeecfa401eeb452ddffdd01ffb46d
ff6db4ffb46dff6db48f8fff52b4b46dff6db4ff8f6db401ddc2ffe8c2d1ffe9c2d1fffcc2000
1fdc20001fcc20301c2c201fcc2d1ffe9c2d0ffe9c2c7ff34e652013acfffb46dee01cfb47
3ffeecfa401eeb452ddffdd01ffb46dff6db4ffb46dff6db49494ff52b4b46dff6db4ff946d

23 | P a g e
b401ddf0ff010ad3ffe800d1ffe900d1fffd000001fc000001fc00fc01fd00d1ffe900d0ffe
900c7ff34d6ffff6d73ffb473ff01ddb473ff8f88dd01ddb473ffffdd01ffb473ff6db4ffb473
ff73b4888fff6db4b473ff73b4ff8888ddddeec2ffe888d1ffe988d1fffd880001fc880001f
c88fc01fd88d1ffe988d0ffe988c7ff34d6ffff6d73ffb473ff01ddb473ff8f88dd01ddb473f
fffdd01ffb473ff6db4ffb473ff73b4888fff6db4b473ff73b4ff8888ddddeec2ffe8c2d1ffe9
c2d1fffdc20001fcc20001fcc2fc01fdc2d1ffe9c2d0ffe9c2c7ff34d6ffff6d73ffb473ff01d
db473ff9488dd01ddb473ffffdd01ffb473ff6db4ffb473ff73b48894ff6db4b473ff73b4ff
8888ddddeef0ff0131faff0001feff010101e0ffe800d1ffe900d1fffd00fd0102000001fe0
00001fd000001fc00d1ffe900d0ffe900c7ff348f016d3ae6ffb473ff01ddb473ffb43a8f0
1ddb473ffffe63a73b4526d52eeffb473ff73b4e63a7352eeb473ff73b4ffe6527352e6e
9ff0001feff010101e0ffe888d1ffe988d1fffd88fd0102888801fe880001fd880001fc88d
1ffe988d0ffe988c7ff348f016d3ae6ffb473ff01ddb473ffb43a8f01ddb473ffffe63a73b4
526d52eeffb473ff73b4e63a7352eeb473ff73b4ffe6527352e6e9ff0001feff010101e0f
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d0ffe988adff01ddcfd0ff0601ffff01ffff01e1ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c2a
dff01ddcfd7ff0060faff0601ffff01ffff01e1ffe800d1ffe900d1ffe800d1ffe900d0ffe9008
1fffaff0601ffff01ffff01e1ffe888d1ffe988d1ffe888d1ffe988d0ffe98881fffaff0601ffff01
ffff01e1ffe8c2d1ffe9c2d1ffe8c2d1ffe9c2d0ffe9c281ff00cefaff0601ffff01ffff01e1ffe8
00d1fffc000001fe00010101fc00010101fb00d1ffe800d1ffe900d0ffe900c5ff01ddeefa
ff01eee6f0ff03eee6eee6eaff03ddffeee6f1ff0601ffff01ffff01e1ffe888d1fffc880001fe8
8010101fc88010101fb88d1ffe888d1ffe988d0ffe988c5ff01ddeefaff01eee6f0ff03eee
6eee6eaff03ddffeee6f1ff0601ffff01ffff01e1ffe8c2d1fffcc20001fec2010101fcc20101
01fbc2d1ffe8c2d1ffe9c2d0ffe9c2c5ff01ddeefaff01eee6f0ff03eee6eee6eaff03ddffee
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001fc00d1ffe800d1ffe900d0ffe900c7ff04e63a7352b4fbff01b473f0ff03ddcfb473ebff
048f8fffddcff1ff0601ffff01ffff01e1ffe888d1fffd88070101888801888801fe88030188
8801fc88d1ffe888d1ffe988d0ffe988c7ff04e63a7352b4fbff01b473f0ff03ddcfb473ebf
f048f8fffddcff1ff0601ffff01ffff01e1ffe8c2d1fffdc2070101c2c201c2c201fec20301c2c
201fcc2d1ffe8c2d1ffe9c

“In the past year alone, the total number of smartphone subscribers
increased 72% quarter-over-quarter, growing from 15 million subscribers in
Q2 2008 to 26 million in Q2 2009” (nielsenwire). With these stats, it is easy
to see that the target market is shrinking faster and faster.

In order to overcome this, we will need to specifically target

demographic groups that tend to veer away from smartphones, illustrated in
this graphic:
 Bello/Sheehan

According to nielsonwire, “While smartphone usage is shifting from purely

business use to both personal and business use, owners are still two times
more likely to own a smart phone for business usage only. Smartphone
owners continue to be predominantly male, are 65% more likely than the
average mobile subscriber to be between the ages of 25-34, and nearly two
times as likely to make more than $100,000 a year.” These demographics
give us a great insight into our market, being the opposite of the smartphone
market. With these facts, we will work to penetrate the lower income, female
and very young/old cell phone carriers markets.

Overall, our target market should not be too difficult to reach. These groups
of people who do not use smartphones are usually looking for easy answers
to their questions, which we at TextFIND will make simple to attain.

Market Strategy
As previously determined, we will be marketing our services to senior
citizens, low income tax payers, and middle aged consumers with a low
technological experience. By targeting such a market we believe we can
offer a sense of security to cell phone users who perhaps aren't as tech-
savvy as smart phone carriers, or perhaps simply cannot afford the luxuries
of a smart phone with a 3G network. We intend to market our services as a
low cost alternative to the internet rivalry of MapQuest. We simply will allow
customers to TextFIND an address to their intended destination and within

25 | P a g e
seconds a response text message with a phone number, detailed directions
including miles as well as estimated time will be sent to the individuals’ cell
phone.
In order to properly market our services we first will identify our
distribution channels. Being a startup business with a limited amount of cash
we thought it would be best to sell our product by direct marketing. Direct
marketing will allow TextFIND to discover early on if there is in fact a large
market for our service, how we can increase our market segment as well as
give us a chance to answer any uncertainties potential consumers may have
about the service. With direct marketing, we will focus specifically on
telemarketing, face-to-face marketing as well as direct-response marketing.
These three distribution channels are all ideal for TextFIND due to their low
cost combined with obtaining data that is relevant and reliable
To clearly understand our marketing strategy, we thought it was best
to use the principles of a marketing mix, which focuses on the four P’s; place,
pricing, product, and promotion. As discussed above, we will distribute
(place) our product with the help of direct marketing. TextFIND will use the
method of penetration pricing to gain customers. Penetration pricing entails
our company to initially price our services low in order to hopefully gain
significant market share. Once gaining a large market, we would have the
opportunity to introduce complimentary products to expand our business.
For TextFIND to be a success, we must properly differentiate our services.
Therefore we will emphasize the simplicity of TextFIND and our affordable
rates. Finally as a start up business, we simply plan to promote our services
by individual and mass communications with emphasis on the importance of
word of mouth from potential customers as well as placing ads in both local
and national newspapers.

Marketing Mix: 4 P’s

 Bello/Sheehan

Product : Price :
Product Differentiation
Penetration Pricing
We hope to gain customers by explaining the
We will offer TextFIND at a relatively low
benefits as well as the ease of use of entry price to attract new customers .
TextFIND compared to the complicated
applications of a smart phone .

Target Audience :

Senior Citizens
Low Income Tax Payers
Middle Aged Adults with limited
technological experience

Place : Promotion :

Direct Sales Individual Communication

Telemarketing Ex) Word of Mouth , Telemarketing
Direct Response Mass Communication
Face -to-Face Ex) Newspaper advertisement

Business
TextFIND is a business solely designed around the customer
themselves. The customer directly influences the terms and strategies of the
company. TextFIND is hoping to provide peace of mind to customers when

27 | P a g e
they find themselves lost on the road without a sense of direction. We are
hoping to bring customers to their destination through a simple text
message that perhaps in the long run will save them both time and
aggravation. In order for our company to be both profitable and functional,
we must foster a great understanding on strategic management. Therefore
when analyzing our company and data, we thought it was practical to
develop a SWOT Analysis. A SWOT Analysis will allow us to manage,
evaluate, brainstorm, review, and strategize our company on an ongoing
basis, making updates and changes when need be. With the SWOT Analysis,
we were able to scan the potential internal and external environment of
TextFIND. The internal environment is composed of analyzing the strengths
and weaknesses of the company, while the external company was
responsible for acknowledging opportunities and threats.

SWOT Analysis
Strengths Weaknesses

In
te
rn
al
E
n • Low C ost Product
v
ir · N o substitute available to cell phone users · N ew company , therefore w eak brand name
o
n
m
w ithout a 3 G netw ork · Lack of access to large commercial
· Strong management distribution channels
en
t

Opportunities Threats

E
x
te
rn
al
E · Gain strong customer relationships due to
n
v direct sales and marketing
· Smartphone w ith 3 G netw orks
ir · Potential to increase TextFIN D aw areness
· Population is increasingly becoming tech -
o
n · Expand on distribution channels
savy
m
en
t

Financials
As a new start up business, we believe the best way to finance
 Bello/Sheehan

TextFIND was through debt-financing. The first reason we chose debt

financing was so we can maintain ownership of our business. Although we
are obligated to make the contracted payments on time, we essentially have
the right to uphold our business as we see fit. The second reason for
choosing debt-financing was due to their attractive tax deductions. With
debt- financing, we are required to pay the agreed upon principal of the loan
plus interest payments but are not required to make any payments based on
the future potential profit of the company.
Since our company just began on April 1 2010, an income statement,
balance sheet and statement of cash flows would not provide relevant or
reliable information. However we had enough financial data to produce an
excel worksheet of TextFIND start-up expenses. The start-expense worksheet
walks you through the expenses incurred to begin our company.

Startup Expenses
TextFIND
Sources of Capital

Owners' Investment (name and

percent ownership)
$
Lauren Bello 5,000
5,0
Audrey Sheehan 00
$
Total Investment 10,000

Bank Loans
$
Barlow Bank 12,000
$
Total Bank Loans 12,000

Other Loans
$
Family Loan 1,500
$
Total Other Loans 1,500

Startup Expenses

Capital Equipment List

$
Furniture 1,000
7
Equipment 00
Fixtures 3

29 | P a g e
 50
4
Machinery 50

Other -
$
Total Capital Equipment 2,500

Location and Admin Expenses

$
Rental 1,500
9
Utility deposits 50
6
Legal and accounting fees 75
1
Prepaid insurance 00
1
Pre-opening salaries 5
Total Location and Admin $
Expenses 3,240

Opening Inventory
$
Office Misc. 585
$
Total Inventory 585

Advertising and Promotional

Expenses
$
Advertising 250

Signage -
1
Printing 25
Total Advertising/Promotional $
Expenses 375

Other Expenses
$
Billings 130
$
Total Other Expenses 130

$
Reserve for Contingencies 360

Summary Statement

Sources of Capital
$
Owners' and other investments 10,000
 Bello/Sheehan

12,0
Bank loans 00
1,5
Other loans 00
$
Total Source of Funds 23,500

Startup Expenses
2,5
Capital equipment 00
3,2
Location/administration expenses 40
3
Advertising/promotional expenses 75
1
Other expenses 30
3
Contingency fund 60
$
Total Startup Expenses 6,605

Security and Collateral for Loan

Proposal
Collateral for Loans Value Description
$
Real estate vacation condominium
25,000

Owners
Lauren Bello
Audrey Sheehan

Loan Guarantors (other than

owners)
Barlow Bank
Donna Bello

Conclusion
TextFIND is hoping to become one of the best customer service
providers to cell phone users today. We firmly believe our business plan
outlines our current initiatives and goals to produce a profitable company
with an ever increasing market share. TextFIND has produced a solid
marketing strategy which we believe will lead us to opportunities and growth
in the future. Although we consider ourselves optimists for our current
business venture, we are aware of the ever increasing world of technology
we live in and therefore are determined to make the necessary adjustment
to our company to keep TextFIND sustainable.
By incorporating a SWOT Analysis into the functions of TextFIND, we
believe we will be able to overcome any weaknesses and threats to our
company, by having already projected them ourselves. We plan to work all
day every day, with a profound focus on what future may bring and how
31 | P a g e
TextFIND can forever adapt.

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