T.C. Septic Inc.

To Micheal Garnier:

T.C. Septic Inc at this time is stable enough in this industry with the knowledge and customer base to advance to a much more profitable company. We believe that with financial backup T.C. Septic Inc. will advance to the leading septic business in our area. We project by 2013 T.C. Septic Inc will be earning close to a half million dollars in this industry. With our marketing plan in place and a name in our community for over ten years, our portable toilets, tanker trailer, and our bio-green products that we will invest in will defiantly not be with regret. As of today we have produced a list of customers in the construction industry that will be in need of our portable toilets, City and County functions(such as the Fair and Markets) that will require portable toilets and fencing. I have contacted Liquid waste companies for sub hauling and Restaurants that will put our tanker trailer to work the day we purchase it. I have also made a list of customers in the unincorporated area of Solano County that asked to purchase bio safe septic products, and is waiting for a call to confirm. I would like to thank you in advance for taking the time to consider our company and look forward to hearing from you soon.

Respectfully,

Tennille DeLaTorreOperations ManagerT.C. Septic Inc.

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T.C. Septic Inc.

Table of Contents

1.0 Executive Summary………………………………………………………………….….….31.1 Mission Statement…………………………………………………………….…….31.2 Objective……………………………………………………………………….…....31.3 Keys to Success……………………………………………………………………..4

2.0 Company Background……………………………………………………….……….…....42.1 Company Financials………………………………………………………………..5

3.0 Management …………………………………………………………………………….....63.1 Management Team……………………………………………………………..….63.2 Resume………………………………………………………………………..…….7

4.0 Financial Plan………………………………………………………………….……..…….74.1 Financial Statement………………………………………………………..………84.2 Current list of Assets…………………………………………………..…...………94.3 Projected Income Charts……………………………………………………….…104.4 Projected Income Chart (monthly)……………………………………..………...10

Continued…………………………………………………………………………..114.5 Projected Financials.………………………………………………………………12

5.0 Capital Required…………………………………………………………………………...136.0 Marketing Plan……………………………………………………………………………..13

6.1 Marketing segment and strategy………………………………………………….136.2 Marketing Plan Analysis……………………………...…………..………………146.3 Competition…………………………………………………………...……………15

7.0 Location Analysis……………………………………………………………..……………15

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T.C. Septic Inc.

1.0 Executive Summary

T.C Septic Inc. is a Vacaville California Based septic company that strives to be unique and best overall in customer service in our area. T.C Septic is focusing on the septic industry with plans to help the planet by producing green products, Invest in a 5,000 gallon tanker truck, as well as expanding into Portable Toilet rentals with fencing. T.C Septic Inc. has chosen this diversity and expansion with knowledge of high demands in our area.

The Organization T.C. Septic is prided on the idea that customer service is our number one priority and that maintaining customer satisfaction is essential to the financial health of our organization.

MarketingT.C. Septic will be targeting five different area’s 1) Restaurants 2) Realtors 3) Construction Companies 4) Wineries 5) Residential. We will be marketing with Local Newspapers, Local Radio stations, and Yard signs.

ServicesOur goal is to ensure the complete satisfaction of every customer who contacts us, while offering knowledgeable and friendly service at competitive rates. Our hope is that our customers will feel confident in our ability to meet all of their expectations and know that they are always our number one priority.

Financials T.C. Septic projects our company being profitable with stable growth. Our revenue will be exceptional with a steady growth rate for the upcoming years. T.C Septic has always been a profitable company and now is ready to become the top rated company in our area with the expansion.

1.1 Mission

To provide the best quality service with keeping safety as our number 1 priority.

1.2 Objective

1. To fulfill our customers demand with top quality service2. To encourage customers to help protect our land and community3. To become the company that every one thinks of when they hear septic

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T.C. Septic Inc.

1.3 Keys to Success

Keys to Success and critical factors for the next year are:

1. Identify “Target Markets”2. Quality customer service3. Bio-Green Products

2.0 Company Background

T.C. Septic is locally owned and operated out of Vacaville, CA. We are Incorporated as an S-Class Corporation since July of 2000. The owner David Jr. started the septic business over 10 years ago, but has over 30 years experience in the septic industry. David Sr. Started T.C. Trucking in 1966, since then his two sons Danny and David Jr took over and made this company into T.C. Trucking and T.C. Septic. We are family oriented and strive to always improve our community. T.C. Septic Inc is members of the Chamber of Commerce and are rated an A-1 Business with the Better Business Bureau. David Jr. has:

a contractors License # 884206 and is currently bonded. Currently hold business licenses in the County of:

Solano Yolo Napa

Solano County liquid vehicle waste certification Motor Carrier Permit (for hire) CA #0087351 Alcohol and Drug testing certification DOT certified 2 million liability coverage

Strengths: Quality Work, Dependable, Reliable, good work ethics, in business for over ten years, customer relationships.

Weakness: small company, fuel prices, family relationships

Opportunities: Invest, Expand, and offer stability and strength in our family business

Threats: Competition, Winter Months

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T.C. Septic Inc.

2.1 Company financials (current)

Profit & Loss

January through December 2009

Jan-Dec 09

Ordinary Income/Expense

Total Job Income 289,653.63

Cost of goods soldEquipment rental for jobs 184.50 Job materials purchased 10,633.10Sub contractors expense 9,565.69Tools and small equipment 270.31

Total COGS 19,838.60

Gross Profit 179,815.03

ExpenseAdvertising 5,858.56Auto and Truck Expenses 1,367.68Bank Service Charges 122.44Business Licenses and Permits 1,231.00Waste Discharge Fee’s 8,961.60DMV 3512.00Drug Testing 99.00Fines 658.95Fuel 27,130.72Garbage 830.96Insurance Expense 13,109.81

Medical 75.00

Office Supplies 60.00Professional Fee’s 574.00Rent Expense 18,935.68Repairs & Maintenance 16,092.79Telephone Expense 5,116.70Utilities 4,335.92Total Expense 111,480.25

Net Ordinary Income 68,334.78 Other Income and Expense

Sales Tax 105.53Other Expenses

Brokers Fee 84.72

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T.C. Septic Inc.

Total Other Expense 84.72

Net Income 65,324.59

3.0 Management Team

T.C Septic management team includes David Welch who has owned and operated this company for over ten years with great knowledge with experience in this industry for over 30 years. Tennille DeLaTorre is the operations manager whom is highly educated with great customer service, They are the best in this field and make a great team.

3.1 Management Team

CEO-David WelchOperations Manager-Tennille

Field Manager-Dom Jones Dispatch-Jamicia Jones

Laborer Driver

CEO is overall responsible for the company. The duties and responsibilities are to handle the day in and day out operations but not limited to the jobs as described above.

Operations Manager is directly responsible for all the administrative and financial reports that occur on a daily basis. Also, is responsible for all the employees as stated above.

Field Manager - is responsible for all the laborers and oversees all the jobs that have been assigned to him.

Laborer - under the direct supervision of the field manager, job description, includes but is not limited to digging, cleaning shop area including the yard to the shop

Dispatch - handles all incoming and out going phone calls. They are the direct link to all communications to and from the job site. Directly supervises all drivers.

Driver is responsible for the transportation of receiving and transporting all waste material to the proper site for disposal.

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T.C. Septic Inc.

3.2 Resume

Tennille DeLaTorre 5874 LeisureTown Rd Vacaville, CA. 95688

Qualifications Working knowledge of managing a small businessLeadership experienceComputer Skills – MS Word, Excel, and More

Professional 1996-Current T.C.Septic Vacaville, CAExperience Director of Operations

3/1990 to Current – Provide direction and supervision for the day to day functioning of all operations. Direct supervision of all employees. Develop and implement new policies and procedures, Oversight of human resources. Stand in for CEO in his absence.

1980 to 1990 (Office Manager) – Oversight of all business functions including but not limited to accounts payable, accounts receivable, payroll, human resources, contracts, audits, insurance and supervision of administrative personnel.

Education 1985 – 1990 Sac State Sacramento, CA

BA Degree – Business Graduated with honors(3.9 GPA)

Additional January 2003Computer Courses – MS Word, MS Excel

4.0Financial Plan

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T.C. Septic Inc.

T.C Septic is currently and has been a profitable business since it opened their doors. This company only has three other liabilities and those include, Mortgage on our commercial land, and two leases not to exceed $50,000.T.C. Septic is hoping to raise $200,000 for the purpose of obtaining 50-100 portable toilets with fencing, a 5,000 gallon tanker trailer, and green products for our customers.

4.1 Financial Statement

ASSETS Amount LIABILITIES AmountCash in this Bank 12,000 Accounts Payable  Cash in other Banks (Detail)    Savings 6,000 Notes Payable to this Bank 0           Notes Payable to Others (Sched. 7) 0    Income Taxes Payable 0Accounts Receivable 47,000        Other Taxes Payable 0Notes Receivable (Schedule 1) 0    Mortgages & Deeds of Trust Owned (Schedule 2) 0    Securities Owned (Schedule 3) Fidelity 8,000 Loans on Life Insurance (Sched. 4) 0

Cash Surrender Value of Life Insurance (Schedule 4) 75,000 Mortgages on Liens or Real Estate (Sched. 6) 125,000Real Estate (Schedule 5) 300,000 Installment Contracts Payable  Automobiles (Description and Value)   Financial Pacific 20,0002000 Ford F250 17,000 Sterns Bank 23,0002005 Nissan Quest 31,000 Other Liabilities (Detail) 0       Personal Property 58,000    see attched document for details             Other Assets (Detail)   TOTAL LIABILITIES: 168,000           NET WORTH: 386,000

TOTAL ASSETS: $554,000 TOTAL $554,000ANNUAL INCOME Amount ANNUAL EXPENDITURES Amount

Annual Gross Income 250,000 Property Taxes/Assessments 3,000    Income and Other Taxes 8,000Dividends x Mortgage Payments & Interest xInterest x Other Contract Payments AMERICAN GEN. 6,960Rentals 36,000 Insurance 3,000  x Living Expenses 6,000       

  Alimony, child support/maint. x

  Other x

     

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T.C. Septic Inc.

Other      

     TOTAL INCOME $286,000 TOTAL EXPENDITURES $26,960

4.2 Current List of Assets

EQUIPMENT EST. VALUE

1994 FORD PUMP TRUCK $30,000 D1

1993 WHGM WGM $35,000 D2

1989 PETERBILT 379 $15,000 D9

1991 PETERBILT 357 $20,000 D10

2000 PETERBILT 379 $60,000 D11

2000 TRAILMAX TRAILER $15,000

1991 RELIANCE TRAILER $15,000

1983 STAR TRAILER $15,000

CAT 257B $20,000

CAT BACKHOE $50,000

LOADER $18,000

FORD UTILITY TRUCK $15,000

$308,000

Property

Office/Land $1.3 Million

Tools and Supplies

Power tools $200,000

Shop Machinery $150,000

Supplies $100,000

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T.C. Septic Inc.

$450,000

T.C. Septic Total list of assets: $1,758,000.

4.3Projected Income chart Green-Income

Blue-profit

20112012

2013

0123456789

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4.4 Projected Income by Month chart for 2011

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T.C. Septic Inc.

January

February

March

AprilMay June

July

August

Septem

ber

October

November

December-5000

0

5000

10000

15000

20000

25000

30000

35000

40000

45000

T.C. Septic Projected 2011

IncomeProfit2

continued

January -1112 9287 8,175February -1393 11063 9,670March 1594 8428 10,022April 20087 7403 27,490May 13343 4289 17,632June 30020 11858 41,878July 14748 19340 34,888

August 4930 5426 10,356Septembe

r 8031 17319 25,35011

T.C. Septic Inc.

October 4922 16296 11,374Novembe

r 25387 14906 40,293Decembe

r 812 9627 9,627

ProfitExpens

eIncom

e

4.5 Projected Financials at a glance for 2011-2013 Ordinary Income/Expense

2011 2012 2013 Total Job IncomeBackhoe/Tractor Work 630 1,330 3,215.00Septic 240,633 354,716 477,485.00Portable Toilets 3,415 5,037 8,512.00

Total $244,678.00 $361,083.00 489,212.00

Cost of goods soldEquipment rental for jobs 0 0 0 Job materials purchased 20,562.00 22.932.00 26,000.00

Sub contractors expense 12,640.00 3,291.00 10,000.00Salary 0 5,360.00 30,000.00

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T.C. Septic Inc.

Total COGS 33,202.00 21,583.00 66,000.00

Gross Profit 211,476.00 339,500.00 423,212.00

ExpenseAdvertising 2,174.00 9,000.00 6,000.00 Auto and Truck Expenses 1,367.68 1,000.00 1,000.00Bank Service Charges 122.44 200.00 200.00Business Lisences and Permits 7,232.00 1,500.00 3,801.00Waste Discharge Fee’s 6,800.00 13,045.00 15,000.00DMV 7,535.00 9,647.00 6,700.00Drug Testing 99.00 99.00 99.00Fines 10.00 881.00 1,000.00Fuel 29,386.00 46,000.00 61,000.00Garbage 830.96 1,000.00 1,000.00Insurance Expense 14,746.00 22,000.00 24,000.00 Medical 75.00 200.00 200.00Office Supplies 1,591.00 2,000.00 3,500.00Professional Fee’s 574.00 500.00 500.00Rent Expense 19,601.00 19,024.00 19,396.00Repairs & Maintenance 2,937.00 5,242.00 10,000.00Telephone Expense 3,054.00 6,000.00 7,800.00Utilities 2,450.00 2,000.00 2,700.00Total Expense 100,585.08 139,338.00 163,896.00

Net Ordinary Income 110,890.92 200,162.00 259,316.00Other Income and Expense

Sales Tax 285.15 420.59 710.75Other Expenses

Legal Fee’s 2,275.00 250.00 250.00Brokers Fee 2,346.00 5,966.00 12,000.00

Total Other Expense 4,906.15 7,057.18 12,960.75

Net Income 105,984.77 183,104.82 246,355.25

5.0 Capital Required

T.C. Septic will be needing $200,000 in order to become an even more profitable company. Our company is well know and a well established Business as it is and will have no problems repaying the loan, as you are well aware from earlier findings T.C. Septic makes well over their margin and takes pride in everything that they do. Here is the list of Items we will need to obtain and move forward with our plan.

100 Portable Toilets $7,000.00Truck & Tank for pumping $50,000.00Fencing for rentals $100,000.00Bio-Green Product $43,000.00

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T.C. Septic Inc.

6.0 Marketing PlanT.C. Septic Inc. has an opportunity to entrench its competitive position in the septic industry market by selectively focusing on certain major target areas. Our company has already had experience in servicing such clients and we believe that there is a growing demand for reliable septic service solutions in this customer segment.

6.1Marketing Segment and strategy

T.C Septic Inc. will focus on its marketing budget on a selected few targets that will help strengthen the company’s reputation of a reliable septic service and will generate favorable referrals. The market segmentation is divided into the leading target markets. All marketing strategies will include an add in the local newspapers, and yard signs posted in town and in the country.

The local newspapers that will we target for advertisement space are:

The Daily Republic The Vallejo Times-Herald The Reporter The Winters Express The Daily Democrat The Napa Registrar

The cost of this space varies with each newspaper, however the average is close to $60 to $100 a month for a small add in the business section. The yard signs will be posted in the busy intersections in town and the entrances and exits in the country. The yard signs will include our name and number with some of the major services that we provide. The cost for the yard signs are $7 each and we will obtain 50 every three months for a total of $350 every three months, $1400 a year.

The division below reflects the differences in marketing strategy that will be used to target each different market.

Restaurants: Send a Brochure/Flyer

Realtors: Email a Brochure/Flyer to the Realtors association to email to all realtors in Solano, Napa, and Yolo County.

Construction: send flyer with our trucking rates, along with our low flat rate prices

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T.C. Septic Inc.

Vineyards: send mailer or flyer

Residentials: send mailers with coupons and brochures

6.2 Marketing Plan Analysis

This Market analysis chart is T.C Septic Inc. expected growth from 2010 to 2013

Market Analysis Chart:

Target Growth 2010 2011 2012 2013

Restaurants 10.00 % 56,000 61,600 67,760 74,536

Realtors 8.00 % 32,000 34,560 37,325 40,311

Construction Company 10.00 % 188,000 206,800 227,480 250,228

Wineries 15.00 % 13,000 14,950 17,193 19,772

Unincorporated 20.00 % 50,000 60,000 72,000 86,400

Total 0.12 % 339,000 377,910 421,758 471,247

6.3 Competition

Competitive threats come from one other septic company in the Solano County area. There are 4 other septic companies in Yolo and Napa County, and a few that come from the greater Sacramento area that really cannot compete in this area with our prices since they are so far out of the area. In Solano County alone there are 10,500 residential homes that have septic systems.

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T.C. Septic Inc.

Well over a thousand restaurants in our area, over sixty Vineyards and thousands of realtors and construction companies that could use our services.

7.0 Location Analysis

T.C. Septic Inc. is located in the rural part of Solano County right in the middle of the Counties that we serve. We currently have two dump sites. 1)Oakland(EBMUD) which is 45 minutes from site that we will travel only with the large tankers to dump large quantity for less dump fee’s 2) Vacaville(Easterly Waste Water Treatment Plant.)10 minutes from site where we will only dump smaller quantity.

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T.C. Septic Inc.

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