Table of Contents

• Business Overview
• Purpose of Funds
• Team Overview
• Mission and Vision Statements
• Marketing
• Loan Request
• Repayment
• Projected Revenue, Expenses and Cash Flows

Business Overview

is a multi-channel concept [Date of Establishment, combining a wholesale distribution network with a retail strategy, e-commerce, and a consumer catalogue. The face of retailing is changing. will occupy a unique market position. No other brand offers a specialty line that includes skin care, cosmetics, fitness apparel and accessories. However, within each category significant brands do exist. represents quality in skin care, fitness apparel and accessories. We will accomplish this using high quality manufacturing and research, a creative marketing program, and a comprehensive distribution network using both brick and mortar retail outlets, internet presence, and a consumer catalogue.

is a company that has created a brand concept consisting of both skin care and athletic apparel utilizing multiple channels of distribution. We are seeking recurring investment to fund the growth of the brand, and position the company for an IPO. The plan that follows explains our market, our value proposition and our market segmentation strategy.

Purpose of Funds

The business plan looking fund of .The loan will be in two parts, the first of which is for equipment, furnishings, and initial promotional efforts. That loan is to be amortized monthly for four years and collateralized by initial and hereinafter-acquired equipment and furnishings. The balance, , is to be a revolving line of credit collateralized by all other assets of the firm and necessary personal assets held outside the firm.

Team Overview

President and CEO:

has over 30 years of retail experience. During his career he has successfully held senior management positions with several major retailers.

He planned and managed the development of the in-line retail stores now open in Los Angeles, Seattle and Boston. In addition, he coordinated the development of the organizational structure and rollout strategy for this business.

Senior Financial Advisor:

Highly motivated senior financial advisor with a strong background of 15 years successfully implementing wealth management, risk management, investment and financial strategies to achieve individual and business success. Built exceptional prospecting skills and found new ways to develop my client base outside of traditional cold calling by developing a highly personalized approach, focusing on community networking face to face meetings, onsite visits.

Mission and Vision Statements

Our target customers (vs. end user) for wholesale distribution will be resellers who recognize the needs of this consumer and who she identifies with. We have used the term resellers because they will not be limited to retailers. We will reach the consumer through four distinct reseller channels.

Marketing

will develop our market position by combining a retail strategy that includes a day spa with a wholesale distribution strategy. will acquire the validity afforded the spa brands and access to broad distribution. skin care and cosmetic products will offer therapeutic benefits to the user based upon the principles of Thalasso therapy in our water line and Botanical treatments in our earth line. Our color cosmetics will be mineral based and provide the user with esthetic benefits while nourishing the skin. In addition to providing retail appropriate packaging we will develop bulk sizes for distribution within the spa trade.

is estimated that the female population will grow at a rate of 5.18% annually from 2000 to 2025 (source: the U.S. census bureau). This data is for the entire United States. Of the 33,642,000 women represented between the ages of 25 and 65 who attended college, 29,293,000 (87%) reside in major CMSA’s.

Most day spas use generic products and do not have the ability to develop a private label line. The apparel and accessory lines will combine the newest in technical fabrics with fit specifications that allow the wearer full range of movement.

LOAN REQUEST

Our total projected budget for the is

#	Expense	Budgeted Cost
1	Lease
2	Construction/Renovation
3	License fee
4	Equipment

Repayment

We are asking for an amount of as a loan. It will be repaid over at a rate of interest, making payments of .

Projections

Other Documentation attached to this request includes income and cash flow projections for the Cosmetics Manufacturing and alternative operational structures in the event our projections.