Matthew Megabucks

Chief Financial Officer

Uber Lenders, Inc.

999 South I-10, Ste 201

Baton Rouge, LA78080

August 3, 2010

Dear Mr. Megabucks:

In follow-up to our recent phone conversation, please find the enclosed copy of my business plan for Baton Rouge Acupuncture and Women’s Health.

Baton Rouge Acupuncture and Women’s Health is an acupuncture and Chinese medical clinic specializing in women’s health and fertility issues. We believe we are well positioned to succeed in this field because

We are the only oriental medical provider specializing in women’s health care.

We have the only ABORM certified practitioner in the state.

Baton Rouge is the central location for women’s reproductive health in the Southeastern region of the United States.

We are currently seeking financing in the amount of $47,000 as start up capital and operating expenses for the first year of service.

I will call you again in several days after you have had a chance to read and review my/our plan. In the meantime, please do not hesitate to give me/us a call if you have any questions about anything in my/our plan.

Yours,

Mary Magnolia

(225) 555-5555

Confidentiality & Nondisclosure Agreement

WHEREAS, Baton Rouge Acupuncture and Women’s Health, located at 6471 Perkins Road, Suite 300, Baton Rouge LA 70808, agrees to furnish ______certain confidential, proprietary information or intellectual property relating to ideas, inventions, or products for the purposes of determining an interest in developing, manufacturing, selling, and/or joint venturing;

WHEREAS, ______agrees to review, examine, inspect or obtain such confidential information only for the purposes described above, and to otherwise hold such information confidential pursuant to the terms of this Agreement.

BE IT KNOWN, that Baton Rouge Acupuncture and Women’s Health has or shall furnish to ______certain confidential information and may further allow ______the right to discuss or interview representatives of Baton Rouge Acupuncture and Women’s Health on the following conditions:

1. ______agrees to hold confidential or proprietary information or trade secrets ("confidential information") in trust and confidence and agrees that it shall be used only for the contemplated purposes, shall not be used for any other purpose, or disclosed to any third party.

2. No copies will be made or retained of any written information or prototypes supplied without the express permission of Baton Rouge Acupuncture and Women’s Health, its officers, or legal representatives.

3. At the conclusion of any discussions, or upon demand by Baton Rouge Acupuncture and Women’s Health, all confidential information, including prototypes, written notes, photographs, sketches, models, memoranda, or notes taken shall be returned to Baton Rouge Acupuncture and Women’s Health.

4. Confidential information shall not be disclosed to any employee, consultant, or third party unless they agree to execute and be bound by the terms of this Agreement, and have been approved by Baton Rouge Acupuncture and Women’s Health.

5. This Agreement and its validity, construction, and effect shall be governed by the laws of the State of Louisiana.

AGREED AND ACCEPTED BY:

______

Date:______

Witness:______

Baton Rouge Acupuncture and Women’s Health

Business Plan

August 10, 2009

Contact:

Mary Magnolia

Owner and CEO

6471 Perkins Rd, Ste 300

Baton RougeLA70808

(225) 555-5555

Table of Contents

Executive Summary

Business Concept

Current Situation

Key Success Factors

Current Financial Needs

Vision Statement

Milestones

Marketing Analysis

General Healthcare Overview and changes in the Market

Market Segment Analysis

Target Market

Customer Characteristics

Customer Needs

Competitive Analysis

Industry overview

Nature of competition

Changes in the industry

Opportunities

Threats & risks

Strategic Planning and Services

Sales and Marketing

Marketing Strategy

Operations

Key Personnel

Organizational Structure

Customer Service and Support

Insurance

Licenses

Financial Management Plan

Capital Equipment and Supply list (start-up budget)

Start-up cost Worksheet

Operating budget and Proforma Profit and Loss Statement

Appendices

Research references

Demographic maps for area served

Executive Summary

Business Concept

Baton Rouge Acupuncture and Women’s Health is an acupuncture and Chinese medical clinic in Baton Rouge, Louisiana. Baton Rouge Acupuncture and Women’s Health targets women of reproductive and menopausal age. Weprovide acupuncture and Chinese herbal treatment for women with reproductive health issues, expectant mothers, and women with gynecological problems. Other services available at our clinic include Reiki, Shiatsu massage, Tai Chi, Qigong and Yoga classes, and wellness classes. In addition, we sell a full line of Evergreen Chinese herbal products.

Acupuncture is a growing modality of health care in the United States. More than three million Americans used acupuncture in 2006 according the National Health Interview Society and number of acupuncture clients increased by one million people between 2002 and 2007. Another growing health industry is ART or Assistive Reproductive Technology, which is the use of technology to assist women who want to build families, but have difficulty getting pregnant and/or carrying a child to term. In vitro fertilization, IVF, is the most common technology used in the field. IVF is expensive and the chances of getting pregnant are low. Only 26% of women achieve a viable pregnancy with IVF alone. The use of acupuncture and Chinese herbs in combination with IVF dramatically improves the chances of a successful pregnancy. Studies show that when a woman uses acupuncture in addition to IVF the chances for a viable pregnancy rise to 42%. When IVF therapy is combined with both acupuncture and Chinese herbs, those chances rise to a minimum of 60%. This is not a small market: 9.3 million American women currently use assistive reproductive therapy (mostly IVF) in order to conceive a child according to the NationalCenter for Health Statistics.

Women who have difficulty conceiving often have difficulty carrying a child to term as well. Chinese herbs and acupuncture also assist in preventing miscarriage. Chinese medicine has also been used for centuries to manage or prevent symptoms of pregnancy such as morning sickness, gestational diabetes, and pre-eclampsia, back pain, constipation, hemorrhoids, management of fibroids, and low birth weight. It is also an excellent choice for the treatment of post-partum depression and exhaustion.

Chinese medicine is also extremely effective for general women’s health issues such as gynecological disorders and as a complementary therapy for women facing uterine, ovarian and breast cancer. Acupuncture and herbs also treat symptoms of menopause including hot flashes, night sweats, and poor sleep.

While there are several acupuncture clinics in the Baton Rouge, none specialize in women’s health. The CEO, Mary Magnolia, received her DOM (Doctor of Oriental Medicine) from Yo San University in California in reproductive medicine and am a board certified member of ABORM (American Board of Oriental Reproductive Medicine), signifying that she is specially trained in acupuncture reproductive medicine. Baton Rouge Acupuncture and Women’s Health is open three nights per week and one weekend per month for the convenience of working women. The clinic also offers walk-in appointments on Wednesdays and sliding scale treatments on Thursdays. The clinic has a well stocked Chinese herbal pharmacy and a variety of healing modalities.

Our intention is that Baton Rouge Acupuncture and Women’s Health will become the premier women’s health acupuncture clinic in Baton Rouge, expanding to 3 acupuncturists and one full time desk staff in the next five years and earning $300,000 per annum before taxes.

Current Situation

We are a start-up, incorporated in the State of Louisiana on August 31, 2010. The principals owner isMary Magnolia, the owner and CEO. Her experience and training positions the company to meet an emerging, under-served need for acupuncture and Chinese medicine in the field of women’s reproductive and general health. We are currently engaged in building out the clinic spaced needed and have leased the space for 2 years with right of first refusal and a further 1 year option. We areseeking additional capital to purchase furniture and pay for marketing. The major challenges we face before beginning operations are purchasing remaining furniture, supplies, and insurance. We plan to begin business on December 1, 2010.

Key Success Factors

The success of my company will be largely due to service, marketing, location and hours, and proven clinical benefits of acupuncture for women.

Superior service
We offer early morning, evening and limited weekend clinic hours to serve patients. Evening and early morning appointments are available three days per week, walk-in appointments are available Wednesdays, weekend appointments available one weekend per month and sliding scale payments Thursdays are all designed to make acupuncture available for as many people in the community as possible.

Excellent marketing and advertising
We have dedicated a large portion of my monthly budget to advertising and have a marketing evaluation plan in place to ensure advertising and marketing dollars are spent most effectively.

Location
Our clinic is centrally located between women’s health care centers and health care providers. Our sponsoring physician, Dr. Stella Passmore, offices within 2 miles of this location, making it an easy commute for clients between our clinic and hers.

Clinical results

Women who have difficulty conceiving have a far higher success rate for conception when combining assisted reproductive technologies with Chinese acupuncture and herbs. In vitro fertilization (IVF) is the most common of these technologies. When used alone IVF results in a 26% success rate. When used with acupuncture the rate of successful conception is 42%. When IVF is used in conjunction with both acupuncture and Chinese herbs the success rate is a minimum of 60%.
Chinese medicine improves the function of the ovaries, regulates the hormones, increases blood flow to the uterus (which in turn provides a thicker lining and more hospitable environment for the embryo), helps prevent early uterine contractions and lessens the side effects of the drugs used in IVF therapy.
Chinese medicine also reduces stress, regulates the patient’s immune system, and decreases the chance of miscarriage. Herbs and acupuncture can also assist the male partner by improving semen to create better quality and quantity of viable embryos.
In the later stages of pregnancy acupuncture can also be used to turn a breech baby into normal birth position and induce labor in a women that is overdue. Both of these can reduce the chance of C-section.
Breast cancer patients have a better rate of recovery and survival when acupuncture is combined with traditional Western treatment.
Gynecological problems, ranging from difficult menstrual cycles to PMS, respond positively to Chinese medical therapies resulting in significant reduction of pain and better emotional response.
Chinese medicine treats the symptoms of menopausal women effectively and naturally by alleviating hot flashes, insomnia, depression, and dryness thus eliminating the need for HRT (hormone replacement therapy) which has been associated with increased risk for breast, uterine and ovarian cancers.

Board certification
Mary Magnolia, DOM L.AC, is an ABORM certified (American Board of Oriental Reproductive Medicine) practitioner, signifying that she has received specific training in reproductive medicine.

Limited competition
There are no other acupuncture practitioners in the Baton Rouge are specializing in women’s health and reproductive medicine. We are building relationships with several women’s health physicians in order to serve a broad range of women seeking gynecological and reproductive care.

Current Financial Needs

In order to effectively launch the business, we project a total need for $57,000 in start-up financing. Principal uses of these funds are to purchase remaining furniture and supplies, fund advertising and marketing efforts in the greater Baton Rouge area, and to supply operating capital during the first year of operation. To date, we have raised $10,000 from the company founder and supporters. The additional funding needed is $47,000. We project the company will be profitable by October of 2011, 11 months after opening.

Vision Statement

Ourvision of the company in five years is that it will include three ABORM certified acu-therapists and two front office personnel. We will have spacious officesnear Western reproductive and woman-centered practices. We will have an expanded herbal pharmacy capable dispensing customized formulas in raw, powder and pill form, tinctures, and commercial patents. We will provide further Tai Chi, Qigong and Yoga classes and seminars in a studio space which can be rented in off hours by local instructors for movement and meditation classes. This integrated setting will take into account each patient’s situation and whole being. In five years, our clinic will be recognized as the premier alternative health care clinic in reproductive and woman-centered services, grossing $360,000 per year.

Milestones

The following are target dates.

Complete business plan
April 2010
Complete final drafts of all marketing and promotional material
June 2010
Arrange financing
August 2010
Begin service
December 1, 2010
Reach break-even point
October 2011

Marketing Analysis

General Healthcare Overview and changes in the Market

Overall Americans spend over $2.2 trillion on healthcare as of 2007 according to the Centers for Medicare and Medicaid Services (CMS). This figure represents about 16.2% of the GDP and is equal to each individual spending just under $7,500. These figures have risen from 1970 levels of individual spending of $356. Projected spending for the year 2016 will bring the individual spending to $12,782. Individual spending is quite skewed. The top 50% spend over 96% of total expenditures. This fact indicates that people with some money are willing to spend it on healthcare. According to the California Healthcare Foundation 2006 statistics, private out of pocket payments make up 12% of total expenditure.

Acupuncture services falls under the broad scope of Complementary and Alternative Medicine (CAM). According to the National Institutes of Health (NIH) in 2007, Americans spent over $33.9 billion in out of pocket payments on CAM services. These services account for 11.2% of out of pocket payments and 1.5% of total healthcare expenditures. The total amount spent on CAM practitioners of 2007 was $11.9 billion. These practitioners included chiropractors, acupuncturists, massage therapists, and others. 38% of adults and 12% of children used some form of CAM services in 2007 according to the NIH report. Of interest, acupuncture visits have risen from 1997 levels of 27 visits per 1000 adults to 79 visits per 1000 adults in 2007. This is an increase of almost 3 times in 10 years. This data indicates that acupuncture, which has less than 4 decades of practice in the United States, is increasing in volume and acceptance as a viable form of CAM therapy. Acupuncture will also continue to grow and capture a larger portion of the CAM market income as well, as more and more people turn to CAM therapies to fill the gaps left by and dis-satisfaction in traditional western healthcare.

Market Segment Analysis

The success of our business relies on the trends in the specific segment market of treatment of infertility. This market is comprised of women in the age range of 15 to 44 years old. According to the Centers for Disease Control and Prevention (CDC), the following statistics relate to infertility in the United States:

Number of women aged 15-44 with impaired fecundity: 7.3 million

Percent of women aged 15-44 with impaired fecundity: 11.8%

Number of married women aged 15-44 that are infertile: 2.1 million

Percent of married women aged 15-44 that are infertile: 7.4%

Number of women aged 15-44 who have ever used infertility services: 7.3 million

Baton Rouge is unique in that this segment of the population is well represented. Baton Rouge has a women’s specific hospital and an In Vitro-Fertilization (IVF) clinic which serves the Baton Rouge, New Orleans, the whole state of Louisiana, and surrounding states areas. This is a huge market resource.

Acupuncture assistance in IVF process is seeing a tremendous growth in the US. The board specialization in women’s reproductive health was created with the founding of the ABORM certification speaks to that demand and success. Many acupuncture fertility clinics have been created through out the country and are very successful. These clinics have finally found a way to integrate acupuncture with western medical services in a non-threatening and supportive way. Given the effectiveness of acupuncture to assist the IVF procedure, the large un-served market and demand, and the clinical experience and specialization we are offering, the Baton Rouge Acupuncture and Women’s Health Clinic should be very successful. As one happy and successful IVF/acupuncture patient noted: “With over 1 billion people, the Chinese must know something about fertility.”

Target Market

Our target market is all females age 14 and up. We will serve the Baton Rouge area, but our unique fertility support services will attract a larger portion of the population beyond Baton Rouge area, which will travel to us to receive these specific treatments along with the related western fertility treatments. Along with fertility support, we will offer a full range of services specific to women’s health issues such as treatment for menstrual irregularity, menopause, hormone imbalances, general reproductive health and overall wellness and quality of life support. Although we are specialized in infertility support, our clinic will be advertised and promoted as a women’s wellness center to expand our market to include all women in the area. Our specific target population is white, middle to upper ranges of income, females, in age from 38 to 55. This target market fits the profile described by the NIH CAM report as the leading out-of-pocket spenders in the CAM market. Our clinic has been strategically located in an area, which fits this target market profile. Our clinic is also conveniently located near related Western Medical offices and hospitals, which are commonly used by our target market.

Customer Characteristics

A day in the life of our average customer is very full and hurried. She has many responsibilities and demands for her time and attention. She is married, has a full time career, has community or church service work, and is struggling to make it in these trying economic times. She does the best she can to take care of herself, but seems to be falling further and further behind in meeting her life goals of starting a family and having a full time career. She is highly educated and motivated, yet seems unable to put all the pieces together. She is health conscious. She eats healthy foods. She exercises regularly. She does what she can to support her health, but her health seems to slowly be getting worse. Somewhere, in the back of her mind she feels something is wrong. She just can’t identify what to change or how to find that peace and satisfaction that escapes her.