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... describing how your operation is an class='cm-highlight'>uniquean>. If you've achieved exceptional growt...ur credibility if you predict strong pran class='cm-highlight'>ofan>its in the coming year, even though you failed to show any pran class='cm-highlight'>ofan>it at all for the past five years. The lender will be looking at your business plan to determine whether you've thought through your strategy.

... (EBITDA); pran class='cm-highlight'>ofan>it an class='cm-highlight'>andan> EBITDA margins; total assets; total liabilities; an class='cm-highlight'>andan> equity. Include at least three years an class='cm-highlight'>ofan> data, but preferably five years in a summary format. Firm-specific information. The executive summary should include a paragraph describing how your operation is an class='cm-highlight'>uniquean>. If you've achieved exceptional growth over the past few years, tell how you did it. If you've had successful acquisitions, explain how your acquisition strategy worked. BUSINESS STRATEGY Explain how you've succeeded an class='cm-highlight'>andan> how you plan to continue to do so. Examples include ... you charge for services, an class='cm-highlight'>andan> which services you provide. Leading clients an class='cm-highlight'>andan> carriers. Include a table an class='cm-highlight'>ofan> your top 10 clients an class='cm-highlight'>andan> carriers. If you're uncomfortable disclosing client names, it may be acceptable to omit them as long as you provide annual revenues from each an class='cm-highlight'>onean>. Your firm would have a different risk pran class='cm-highlight'>ofan>ile if its top 10 clients brought in 90% an class='cm-highlight'>ofan> revenue than if they brought in 20% . It's useful to list the A.M. Best rating for your top 10 carriers. Revenue per employee. Display historical ... making them read all the way to page 33 to understan class='cm-highlight'>andan> what your business is about. The executive summary should include 10 pages an class='cm-highlight'>ofan> description or fewer describing your company an class='cm-highlight'>andan> your reasons for applying for the loan. Include the following information: Company description. Identify the kind an class='cm-highlight'>ofan> firm you have - P/C or Commercial insurance brokerage, for example; where you're located; your subsidiaries, if you have them; an class='cm-highlight'>andan> your principle lines an class='cm-highlight'>ofan> business. Loan description. Specify the amount an class='cm-highlight'>ofan> man class='cm-highlight'>onean>y you want to borrow an class='cm-highlight'>andan> why ...

... (EBITDA); pran class='cm-highlight'>ofan>it an class='cm-highlight'>andan> EBITDA margins; total assets; total liabilities; an class='cm-highlight'>andan> equity. Include at least three years an class='cm-highlight'>ofan> data, but preferably five years in a summary format. Firm-specific information. The executive summary should include a paragraph describing how your operation is an class='cm-highlight'>uniquean>. If you've achieved exceptional growth over the past few years, tell how you did it. If you've had successful acquisitions, explain how your acquisition strategy worked. BUSINESS STRATEGY Explain how you've succeeded an class='cm-highlight'>andan> how you plan to continue to do so. Examples include ... you charge for services, an class='cm-highlight'>andan> which services you provide. Leading clients an class='cm-highlight'>andan> carriers. Include a table an class='cm-highlight'>ofan> your top 10 clients an class='cm-highlight'>andan> carriers. If you're uncomfortable disclosing client names, it may be acceptable to omit them as long as you provide annual revenues from each an class='cm-highlight'>onean>. Your firm would have a different risk pran class='cm-highlight'>ofan>ile if its top 10 clients brought in 90% an class='cm-highlight'>ofan> revenue than if they brought in 20% . It's useful to list the A.M. Best rating for your top 10 carriers. Revenue per employee. Display historical ... making them read all the way to page 33 to understan class='cm-highlight'>andan> what your business is about. The executive summary should include 10 pages an class='cm-highlight'>ofan> description or fewer describing your company an class='cm-highlight'>andan> your reasons for applying for the loan. Include the following information: Company description. Identify the kind an class='cm-highlight'>ofan> firm you have - P/C or Commercial insurance brokerage, for example; where you're located; your subsidiaries, if you have them; an class='cm-highlight'>andan> your principle lines an class='cm-highlight'>ofan> business. Loan description. Specify the amount an class='cm-highlight'>ofan> man class='cm-highlight'>onean>y you want to borrow an class='cm-highlight'>andan> why ...

...an class='cm-highlight'>ofan> his Management Compensation is an class='cm-highlight'>uniquean> to [Employee] alan class='cm-highlight'>onean>. The parties agre...182 NE 222nd Its: Vice President Portlan class='cm-highlight'>andan>, OR 88020 Address: P.O. Box 2112 Portlan class='cm-highlight'>andan>, OR 88020

... or take away any customer an class='cm-highlight'>ofan> Employer on whom Employee called or with whom Employee became acquainted during the time an class='cm-highlight'>ofan> this Agreement, for either himself/herself or for any other person, firm, or corporation. Injunctive Relief. Employee hereby acknowledges (1 ) the an class='cm-highlight'>uniquean> nature an class='cm-highlight'>ofan> the protections an class='cm-highlight'>andan> provisions set forth in this Agreement, (2 ) that Employer will suffer irreparable harm if Employee breaches any an class='cm-highlight'>ofan> said protections or provisions, an class='cm-highlight'>andan> (3 ) that man class='cm-highlight'>onean>tary damages will be inadequate to compensate Employer for such breach. Therefore ... interest an class='cm-highlight'>andan> shall survive the death or disability an class='cm-highlight'>ofan> Employee. Employee shall promptly disclose to Employer, in confidence (a ) all Proprietary Information that Employee creates during the term an class='cm-highlight'>ofan> this Agreement, an class='cm-highlight'>andan> (b ) all patent applications an class='cm-highlight'>andan> copyright registrations filed by Employee within an class='cm-highlight'>onean> year after termination an class='cm-highlight'>ofan> this Agreement. Any application for a patent, copyright registration or similar right filed by Employee within an class='cm-highlight'>onean> year after termination an class='cm-highlight'>ofan> this Agreement shall be presumed to relate to Proprietary Information created by Employee during the term an class='cm-highlight'>ofan> this Agreement, unless Employee ... information, technique, trade secret, product an class='cm-highlight'>andan>/or research related to the actual or anticipated research development, products, organization, marketing, advertising, business or finances an class='cm-highlight'>ofan> Employer, its affiliates or related entities. All right, title, an class='cm-highlight'>andan> interest an class='cm-highlight'>ofan> every kind an class='cm-highlight'>andan> nature whatsoever in an class='cm-highlight'>andan> to the Proprietary Information made, written, discussed, developed, secured, obtained or learned by Employee during the term an class='cm-highlight'>ofan> the relationship with the Employer or the 60-day period immediately following termination an class='cm-highlight'>ofan> that relationship, shall be the sole an class='cm-highlight'>andan> ...

...nator hereby acknowledges (1) the an class='cm-highlight'>uniquean> nature an class='cm-highlight'>ofan> the protections an class='cm-highlight'>andan> provisions set forth in this Agreement...without the express written permission an class='cm-highlight'>ofan> the author.

... executed with [Employee] concurrently herewith or as hereafter amended (the Shareholders Agreement'), in which case this Active Management compan class='cm-highlight'>onean>nt shall automatically terminate at closing therean class='cm-highlight'>ofan>. 3.2.2 an class='cm-highlight'>Ofan>ficer Portion. The second compan class='cm-highlight'>onean>nt (the an class='cm-highlight'>Ofan>ficer Portion') an class='cm-highlight'>ofan> his Management Compensation is an class='cm-highlight'>uniquean> to [Employee] alan class='cm-highlight'>onean>. The parties agree that [Employee] 's knowledge base an class='cm-highlight'>andan> experience as well as the nature an class='cm-highlight'>ofan> the industry are such that his contribution as President an class='cm-highlight'>ofan> the merged Agency will provide a an class='cm-highlight'>uniquean> body an class='cm-highlight'>ofan> knowledge, sphere an class='cm-highlight'>ofan> resource ... shall be similar in nature to that earned by the other Founders, although their respective amounts differ. (a ) For calendar year 1994, the combination an class='cm-highlight'>ofan> [Employee] 's Producers' Compensation pursuant to paragraph 3.1 above plus his Active Management Compensation shall be an class='cm-highlight'>onean> hundred forty-four thousan class='cm-highlight'>andan> dollars ($ 144,000), with payment in equal bi-weekly increments throughout the year. (b ) After 1994, [Employee] 's Active Management portion shall be equal to fifteen percent (15%) an class='cm-highlight'>ofan> the gross commission ... the issue an class='cm-highlight'>ofan> sufficient cause shall immediately be submitted for dispute resolution as provided below; an class='cm-highlight'>andan> (ii) In the event the arbitrators determine that termination was inappropriate according to terms herean class='cm-highlight'>ofan>, then [Employee] shall be immediately reinstated with retroactive compensation an class='cm-highlight'>andan> benefits an class='cm-highlight'>ofan> all kinds as provided herein. (b ) For Arbitrated Termination. Whenever a breach an class='cm-highlight'>ofan> this Contract pursuant to subparagraph 6.1.3(b ) above is asserted by the Board as cause for an arbitrated termination an class='cm-highlight'>ofan> [Employee] 's employment hereunder, then before such termination ...

...y-to-day challenges may not be as an class='cm-highlight'>uniquean> as they think. Challenges that are re... independently- there's no integration an class='cm-highlight'>ofan> information. A marketing manager can forge a path, a framework, for independent agents that will lead to the goals formed from the bottom up.

...loyee hereby acknowledges (1) the an class='cm-highlight'>uniquean> nature an class='cm-highlight'>ofan> the protections an class='cm-highlight'>andan> provisions set forth in this Agreement..._______________________________ Date Date