Services provided by Creative Business Solutions

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=160 BGCOLOR="#9999CC" TEXT="#080000"> <div> <B><IMG SRC="27de9a00.jpg" border=0 width="233" height="160" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"><IMG SRC="27f6f550.jpg" border=0 width="623" height="85" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> </td> </tr><tr> <td valign="top" width=156 BGCOLOR="#9999CC" TEXT="#080000"> <div> <A HREF="index.htm" TARGET="_top" TITLE="Welcome to Creative Business Solutions"><U><IMG SRC="1e77c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A><A HREF="http://www.webbuildersolution.com/websites/22986/3.htm" TARGET="_top" TITLE="http://www.webbuildersolution.com/websit"><U><IMG SRC="1e87c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A><A HREF="http://www.webbuildersolution.com/websites/22986/4.htm" TARGET="_top" TITLE="http://www.webbuildersolution.com/websit"><U><IMG SRC="1e97c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A><A HREF="http://www.webbuildersolution.com/websites/22986/5.htm" TARGET="_top" TITLE="http://www.webbuildersolution.com/websit"><U><IMG SRC="1ea7c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A><A HREF="http://www.webbuildersolution.com/websites/22986/10.htm" TARGET="_top" TITLE="http://www.webbuildersolution.com/websit"><U><IMG SRC="1eb7c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A><A HREF="http://www.webbuildersolution.com/websites/22986/11.htm" TARGET="_top" TITLE="http://www.webbuildersolution.com/websit"><U><IMG SRC="1ec7c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A><A HREF="http://www.webbuildersolution.com/websites/22986/13.htm" TARGET="_top" TITLE="http://www.webbuildersolution.com/websit"><U><IMG SRC="1ed7c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A><A HREF="http://www.webbuildersolution.com/websites/22986/14.htm" TARGET="_top" TITLE="http://www.webbuildersolution.com/websit"><U><IMG SRC="1ee7c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <A HREF="ajs_profile.htm" TARGET="_top" TITLE="AJ Pelletier Profile"><U><IMG SRC="1ef7c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A><A HREF="map.htm" TARGET="_top" TITLE="Map to Creative Business Solutions"><U><IMG SRC="1f07c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A><A HREF="id24.htm" TARGET="_top" TITLE="Reply page "><U><IMG SRC="2217c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A><A HREF="history_of_cbs.htm" TARGET="_top" TITLE="History of Creative Business Solutions"><U><B><IMG SRC="2227c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><A HREF="http://cbssatx.us/consult/" TARGET="_top" TITLE="http://cbssatx.us/consult/"><U><B><IMG SRC="2237c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><A HREF="http://cbssatx.us/consultvet/" TARGET="_top" TITLE="http://cbssatx.us/consultvet/"><U><B><IMG SRC="2bc7a170.gif" border=0 width="122" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><A HREF="http://www.webbuildersolution.com/websites/22986/13.htm" TARGET="_top" TITLE="http://www.webbuildersolution.com/websit"><U><B><IMG SRC="2247c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><A HREF="http://cbssatx.us/consultirs/" TARGET="_top" TITLE="http://cbssatx.us/consultirs/"><U><B><IMG SRC="2267c170.gif" border=0 width="124" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><A HREF="cat_page.htm" TARGET="_top" TITLE="Feline Office Friends"><U><B><IMG SRC="2627d170.gif" border=0 width="125" height="23" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> </td> <td valign="top" height=320 BGCOLOR="#000000" TEXT="#F7F7FF"> <div> <I><B>Services provided by Creative Business Solutions</B></I></div> <div> <B><IMG SRC="1555c0c0.gif" border=0 width="604" height="12" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> <B><IMG SRC="158ad800.gif" border=0 width="173" height="128" ALIGN="LEFT" HSPACE="0" VSPACE="5"></B></div> <div> <TABLE BORDER="2" CELLPADDING="0" CELLSPACING="5" WIDTH="506" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="LEFT" HSPACE="0" VSPACE="0" BGCOLOR=#888888 > <tR> <tD VALIGN=CENTER HEIGHT= 114 WIDTH="490"><div> <I><B>With the high cost of doing business today, small and medium-sized business owners are increasingly aware of the benefits of timely financial information to their operations and livelihoods. As specialists in small business, Creative Business Solutions provides these regular monthly services:</B></I></div> <bR> </tD> </tR> </TABLE></div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Business Consultation</B></FONT> <B>. . . the backbone of all the CBS services. A personal discussion of your financial statements or other business matters is available when you need it, and the advise is as close as your phone or a no cost office visit.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Complete Tax Planning and Preparation of Tax Records</B></FONT> <B>. . . federal, state and local taxes, covering sales tax and unemployment tax, Social security taxes, income taxes and franchise taxes too, if applicable - we prepare and maintain whatever is necessary to protect your interests, save you time and provide them to you for your review prior to filing date.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Monthly Operating Statements</B> </FONT><B>. . . </B><B>a monthly breakdown of sales, cost of sales and expenses (profit and loss) for the previous month, and a total for all the months of the year to date. Percentages for both helps you compare performance to the year to date and spot problem areas so you can take immediat</B>e action.<FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" > </FONT></div> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Operating Statement and Performance Graphs</B></FONT><B> </B><B>. . .</B><B> each month you will receive comprehensive operating Statement Performance Graphs developed from the financial information in your business operating statement to give you a concise visual picture of business trends. The line graph presents a two-year comparison of sales for the current year and previous year. The pie chart shows fiscal year to date expenses, and the bar graph presents your total sales, expenses and profit margin for the year in a monthly breakdown.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" > </FONT></div> <DIV ALIGN="LEFT"></DIV> <div> <IMG SRC="19e2e2e0.gif" border=0 width="46" height="46" ALIGN="RIGHT" HSPACE="0" VSPACE="0"></div> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Payroll Register</B></FONT> <B>. . . </B><B>payroll and tax information on every employee.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Balance Sheet </B></FONT><B>. . .</B><B> it summarizes your total business assets, liabilities and net worth at a given point in time so you can make decisions about capital expenditures, or how to improve profits.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Bank Reconciliation</B></FONT><B> </B><B>. . .</B><B> a proving out of the bank's figures with your checkbook balance each month to ensure you are working with the correct total.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Detail General Ledger</B></FONT> <B>. . .</B><B> a record of the dates, check numbers, payees and amounts of all expenses within each of your business accounts for the month and year to date.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> <div> <B>PLUS ADDITIONAL SERVICES</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" > </FONT></div> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Comparative Operating Statement</B></FONT> <B>. . . </B><B>to budget or prior year with variances shown for both, and for the month and year to date.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Financial Ratio Analysis</B></FONT><B> </B><B>. . .</B><B> a method of analyzing important relationships such as rate of inventory turnover, aging of accounts receivable and working capital. A managerial tool that keeps you in control of your business plan.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Payroll Check Writing </B></FONT><B>. . . </B><B>fast, efficient and trouble-free, our payroll check writing service produces professional, computer-generated checks, plus provides a management analysis by pay period and year to date. With CBS, payroll is no longer a tedious process but a smooth function of your business.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Loan Application and Business Planning</B></FONT> <B>. . . </B><B>our exclusive LoanAssurance Application provides you with a detailed, organized and clear business plan and/or loan application. It's a great way to put forth a strong business image as you plan for your future financial needs.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> <div> <FONT SIZE="4" COLOR="#FFFFFF" FACE="ARIAL" ><B>Accounts Receivable and Collection System</B></FONT><B> </B><B>. . . </B><B>if you extend credit to your customers, we prepare all journals with charges and credits posted, customer statements with advertising messages and second requests, a summary of delinquent accounts - color coded for ease of evaluating your customers, and a sales analysis. Have interest automatically charged to past-due customer balances. Everything is handled with computer accuracy, reliability and economy.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Arial" ><B> </B></FONT></div> <bR> </td> </tr></table></body>