Complaint Review: Benefical Rubin & Rothman LLC

Subject: All bad debtors;
RE: Sallie Mae Inc., Rubin & Rothman LLC, Chrysler Motors Inc., United Resources Inc.,

This is the Business Proposal of the said company Ourway Or No Highway Towing & Trucking Services Inc. that I plan to operate, if upon approval of your firm to lend the money. I do apologize of all previous delay of payments,
recent judgments, credit histories. Once you review the said business proposal, Im quite sure youll be pleased with the said business proposed and with the cash projections. If possible, you can lend the inquired loan asked and pro rated with all debts, previous loans. Once you decide on a positive decision, then give me a call, e-mail as soon possible. This is our promissory note/letter to you and all debtors.

This company has been forming here in Rochester, N.Y. Since May 2002, with our own funds, until up to now.

I even do some job hunting, odds jobs, for people. To prevent any weakness, disputes, or misunderstanding, from management or from myself. As well to prevent any delayed payments due.

Sincerely yours, Ourway Or No Highway Towing & Trucking Services Inc.
Ourway or No Highway Towing & Trucking (Svc.) Services (Inc.)

Business Description;
Hauling, frozen and non- frozen commodities, and towing, automobiles and small trucks.

Present or Proposed location;
The location is out Rochester, N.Y.; and wherever we purchase a building, perhaps out of Geneva, N.Y.

Existing or Potential Customers;
The geographic area is all 52 states, plus Canada and Mexico. Most of potential customers or contracts are commercial commodities shippers. With the type of vehicle, that I have is a straight vehicle and that will only carried local to regional, up to 50 to 550 miles or sometimes better. The commercial vehicle (tractor) will be traveling up to 450 to unlimited miles.

History of Business;
Our company does not really have a history yet. However, with the hardcore training I have in the past, I have a complete knowledge of the business or how to knowledge of getting started and paid out there.
I started building my business in May of 2002 and I been going to several places asking questions about the transporting business. Trying to receive different Quotes from
Different companies.

Business Financial;
As Independent Contractor, we do not do all the work of getting contracts, the workloads or anything else. Most our work is done by a transportation broker, to concentrate on getting my company and the lender paid in full as quick as possible. In the first 3 years.
We will be independent owned and debt free. Our net worth potential is or can be ranging from $ 1 million to $ 60 millions dollars a year.

Market Analysis;
The potential customer (s) will be commodities shippers, independent shippers, and or international shippers, never individuals. The quantities are large, uncountable customers.
Most contracts are industry that needs immediate motor or private carriers. The business margins is high, at the rate 100 commodities shippers over 50 of them will call upon my or our company to carry their shipment. The majority of the time your transportation Broker (s) will supply your company with loads, services, ECT.
Our strategy is through Internet, word mouth, and by other independent driver (s).
By advertising and through several accredited schools, we did our research and founded that with the market steadying growing, we can employed up to 1 to 10 employees in the 1st year and in the 3rd year we be having up 25 to 50 employees. We believe that our company will be the 50th top companies in Fortune 500 magazine. We believe that, we

can produce the following; a good pay scale, health benefits, pay holiday, and then perhaps paid vacations to compare with the others competitors.

Services & Competition Analysis;

What make my services better than the competition; competition out there is stiff, because of the high volume of shippers and carriers in the market trends, out 100 private carriers and I myself (1) one of them, I will have a hard fight on my hands first of all.

First of all my services will be dependable, cheaper, and efficient due to a smaller commodity services making sure that the consumer is 100% satisfied, a personnel service that provides, as than the bigger motor carriers.

I will be doing 95% No Touch Service this way it a lower insurance cost to us, than the other competition. My policy the quicker the better and less hassle free unloading while we waiting in the dock, get on the cell phone places call to my transportation broker for the next load to fit or my load capacity, if Im not already loaded, to prevent a down cash flow well be also be doing towing and road service repairs to the private sectors of consumers. As you know the world has high volume of shippers and receivers, that without professional drivers we cannot really survive. Ourway or No Highway Towing & Trucking Services.

In this area there is a few competitor companies out there, some of them lease their company vehicle to you at 20% up to 40% deductions from your pay check, without the options of owning the vehicle that were leased, right here in New York State. When you trade it in for new model, they start over with fresh new payments, leaving you a bigger bill; in addition, you are their employee, and never owning the vehicle. That is the good strengths about leasing from a major motor carrier(s), but what happen if youre terminated, now youre stuck with bill and no work, no job, and no commercial vehicle, and your ex-employer will not pay the vehicle bill. Owning your own vehicle gives you a little more leave way, first of all, you can contract your vehicle to a major motor carrier, but youre not self employed, and most likely its stop the process of owning your own company.

Now these large companies is targeting the same markets as I will, on where theyre have people calling them for loads delivered, and have stocks markets brokers, guiding their companies, which is their strengths, now their weakness is high volumes insurance brokers, a high overhead cost, several employees to get home. Our company does not have a high volume insurance cost, or high overhead, in the 1st year running.

Marketing Strategy;

Ourway or No Highway Towing & Trucking SVC (services) will operate as any other private and non- private motor carrier. Our strategy will be to operate at a lower efficient cost (per service) far from the rest of them out there, plus being a racial minority operating motor carrier, that will be in the top 50s of the most top trucking firms in the Fortune 500 magazine. That is our strengths first of all. Then most of our employees do not have to be trained to operate a straight commercial vehicle, in the first place, just simple road test to pass, well be operating tractor trailer trucks as well. In the five (5) year period well be looking for investors, becoming a dependable African American owned motor carrier company, the majority of the time, most shippers will contract us as their permanent carrier. Our services will be different only by having straight trucks, tow trucks and tractors, then the initiative road service that is provided, plus well be operating by cell phones services, and getting city, counties contracts.

Our competitors strengths are only that they are larger, more vehicles, more contracts, more employees and most of all are they have been in business longer than Ourway or No Highway Towing & Trucking SVC. Their weakness is that sometimes their payloads get there or not, due to more situations than any, and their other weakness is their services is not personal base business, with their customers, clients, employees. Ourway or No Highway Towing & Trucking SVC weakness is that we are brand new towing and trucking firm, were small towing and trucking company, a risk factor to banks, lenders, insurance companies, and the reason why we are risk factor to insurance companies, that we are new, to insured our vehicle(s). But once they see our name in their docks, roads and advertised, we believe that we will not have any complication. That when the adventure really starts.

Plus the competition have the technology, due to high volume of vehicles, their insurance cost is lower, their maintenances is lower, well be using each vehicle (s) 350,000 miles/3 years warranty from every vehicles, not waving any of them. Ourway or No Highway Towing & Trucking SVC, has its DBA and will be getting a federal trademark to prevent any complication or copy cats that is out there, only reason is because I develop Wal- Mart super shopping stores, didnt get the credit for it, nor gotten paid for it, right here in Rochester, N.Y. Ourway or No Highway Towing & Trucking SVC has been forming for (1) one year with a small budget, with can win determination (we wont loose), if by any chance after our attorney (s) does the search and do find out theres someone else out there with our name, then they are lying because I search the Internet already and found no one in May 2002, there is no one with the name, symbols (logos) as a towing 1st and trucking 2nd company. As we decused in the beginning, our policy will be a personnel base business (1st ) first of all, people attends to generate more business when youre personally friendly, dependable, neat , ambitious and to do more business with you than the larger companies, their employees just might be rude.

In the market trend, Ourway or No Highway Towing & Trucking SVC, will generate a cash flow lower than others, which means we will under bid in the (1st) first 6 months to (1) one year only because we are brand new, but eventually Ourway or No Highway Towing & Trucking SVC will up our raise our profit margins, and try to get more contracts, and whatever necessary to become a well known motor carrier with tractors and straights trucks, our towing division will also do the same. Well be purchasing a parking lot with 15th foot fence around it to protect our investments, our office in the 2 years period will be some constructional type trailer office building, until we have a gross revenue of $3.2 million dollars per year, we will promote by or threw the internet, all major online services, as we already did, we will also promote threw the local and non- local newspapers, and threw the Muslim Journal, Final Call newspapers, too, until we are well known threw the network(s). The competition had cut back on advertising threw these methods, the competition attitude is that we are the oldest and better, which makes most of them careless.

Objectives;

Ourway or No Highway Towing & Trucking (Svc.) Services, once we get the tools and equipments, our market strategy will start right away, without any delay. Being a mobile or rolling stock, well be concentrating on getting clients ASAP, on the road services and hauling materials. We will be hiring qualified drivers, the same day, once the equipment is in possession. Due to being a private motor carrier, the stability office structure is or will be one of those constructional type trailer office building, and a large parking lot. The market trend is unaccountable and we will not be in any complications whatsoever due to the outstanding high demands on the growth in the market trends on motor carriers and road services providers, that is needed. Ourway or No Highway Towing & Trucking SVC, will focus on having a dependable fleet of commercial vehicles (tractors, towing, straights trucks) and semi-qualify mechanics, to get the job done right away. Due to high volume of shippers that is now in demand, loads are moving everyday. The point is having this type of business, provides jobs, there isnt any other African Americans, that will take the advantage of operating this type of business in the (1st) first place, and the advantage of straight vehicles and tractors is mostly moving the loads, the reason behind the straight trucks, is loads are usually half full, about the size of a straight vehicle capacity payload. Straight vehicles is easier to maneuver anyway. Ourway or No Highway Towing & Trucking SVC, tow service divisions is our original plans in the (1st) place, only because people usually end up in a snow bank, but they call their self perfect drivers, plus AAA doesnt tow you from the expressway or highway to your destinations, no matter how you pay annually, they only tow you from exit to exit, then you got to call another tow vehicle. So I came up with the idea to do road repairs right on the spot, if it minor repairs, if not minor repairs well tow you from breakdown point to your personnel location regardless where, theyll tow you to garage ONLY. The payloads gross revenue ranges from $1000.00 to $7000.00 per payload per day, plus fuel cost, as well for all vehicles that this company provides.

Operations;

In the 1st 3 years we'll be operating as a small independent company we already have benefits, and our drivers is or will be qualified with all requirements. Ourway or No Highway Towing & Trucking Services office space in the beginning stages will operate out of an office facility by simple constructions sites trailer type building. Then eventually a larger building, zoning is a key factor, will be relocating out in Geneva, N.Y. to an empty lot, to rebuild a new facility. The type of equipment required is a simple refrigerator straight truck at (1st) first with the intentional price of the original loan, grants or finances provided. Then we will purchase more straight trucks, then once the straight trucks makes the loan, grants, then we will purchase (2) two tractor trucks, the same year.

The purchase of the tractor (trailer models) trucks is providing longer distances services, larger loads. Then in the meanwhile we will be purchasing used two (2) more vehicles to provide our road services, as we originally planned. Our towing services is not like the others, either rain, sleet, snow or shine, we will do the minor repairs, on the road, in which other towing companies will not make any attempts to do any repairs, whatsoever, they make their money towing you to the mechanic's garage.

Organization and Management;

The secretary will be running or managing Ourway Or No Highway Towing & Trucking office, her key job description will be as if as if she owned the company herself and she will be the receptionist, until we get larger in size by clients, and customers, then we'll be hiring a qualified secretary or send her to school. The transportation broker will be contracted to our company as he's needed, more fleet of commercial vehicles. My job description is, 1st of all I am the owner and will not be acting as an owner operator, I will do the job interviews, paperwork, and all necessary needs to keep my company up and running. There will not be any weakness in management whatsoever and as for incentive programs, bonuses, the only program we will have is employee of the month, recognition is better than any incentive programs, perhaps as the company gets larger.

Timing;
Ourway or No Highway Towing & Trucking Services- SVC, is being new in the market trends, as we grow larger, we will grow in profits 1st of all and 2nd we will improve our company policies. Our market strategies are to stay a float, and to stay as a personal base business, using the road services as a major part of our company. As our clients list grows we will be hiring new mechanics, our drivers will be coming from a credited school and pass a DNA drug tests to be hired with our company, people that had or have habits either stop showing up for work or some type of a mishaps, DNA drug test is a proven factor show how long ago the individual had any type of drugs. This way we keep our slogan "Dependable To The Finish". As the workforces changes such as the rumors of turning the transportation business by the polictitians to monorail systems by 2012 -2015 is just a myths, It's impossible!!! It will not work, who will unload, make inner city deliveries, who will be the carrier. As Ourway or No Highway Towing & Trucking Services business grows, we will have our own payroll department, instead personnel checks writing, our inspection station, our towing division will be equipped with essential tools to do proper repairs on the road. In our facility we will do oil changes, all tires repairs, lube jobs, tune up's nothing more.

Financial Information;
Cash flow projections, please referred to Cash flow projections chart (handwritten chart).

Exhibits/ Appendices;
This section is for basically to show promotional events, office supplies ECT. At trade shows, we will show up once. Only to seek qualified drivers, seek investors. This the of Ourway or No Highway Towing & Trucking Services SVC,Inc. business and if by any chance you have any questions, concerns or need help to make a sure decision do not hesitate to contact us in person by telephone, letters, or e-mail. No rejections, No excuses decision you make sure you contact us, Have Great Day!!

We will also contact you in 15-30 days on sending the request, telephone calls or ECT.

Thank You.

Ourway or No Highway Towing & Trucking Services SVC
Todd E. Jenkins Sr. Hisham Sabrii
(585) 325-3299 Home
(585) 234-9171 Business
(585) 309-1826 cell phone

Financial potential loan is $45,000.00 up to $250,000.00
What we will be offering is 0.5% up to 45% on all gross revenue incomes, before taxes.
4.25% on all Commercial Business Bank(s) Accounts. Thank you and do call us to go over our plans.