SMALL BANKS HOLD THE REAL ANSWERS TO THE U.S QUESTION ON SOLVING DEBT CRISIS

With an Uncertain Market, the US needs to look toward the Middle-Market for an Economic Boost

FALL 2011                 FF10 Partners, LLC                 info@FF10Partners.com

With US governing bodies sealing our fate with the agreement of the debt ceiling, which ultimately led to the S&P dropping our credit score to AA+, the US needs to turn to the middle-market and small business sector to lead the charge and re-stabilize our economy.

In order for re-stabilization in the markets to take place, we need banks to revisit and restructure the lending process, so that business/potential owners can receive funds based on their operational expertise. Seeing that loans stand as the fundamental lever that drives an economy, business plans detailed with complete managerial schematics, backed with the proper personnel to carry out these functions is the most critical component.

Lending institutions need to take an intrinsic look into business operations and management in order to get a real understanding concerning projections for companies, as oppose to the false sense of stability which tax returns show. Understanding growth patterns, ever changing markets and consumer spending habits equates much more to the health and strength of a business as oppose to what a company was able to do in the past with a much different market scope. “Businesses are only as strong as their operation and management team. With that being said, these functions must be exercised on a consistent basis in order to capitalize on a business plan, no matter the sector or size of the company,” Andre Doyle, FF10 Partners, CEO. With banks looking at how the business will leverage its operations as oppose to an underwriter simply looking only at past numbers, we as a society can finally deal with the real issue of failed business, the implementation and execution of a well-defined business and operational plan.

THE ENTREPRENUER: BELIEF

Entrepreneurs are a necessity in any economic climate, especially the one that we currently face. These persons create job opportunities, which ultimately lead people to feel secure in their work. This creates an eco-system where consumers feel comfortable with making significant purchases. With persons borrowing and spending money, our economy becomes greater, which leads to stabilization in markets due to newly created jobs. This simple fact helps our economy become vaster, provides stable markets and introduces more jobs because people are spending more money and taking out more loans.

With created job numbers only totaling 18k in June of 2011, 16k for July, an unbelievable 0 in August and finally a bit of an upswing of 103k in September, it is no wonder why people stopped looking for job opportunities, when they can simply collect a government check and save themselves the embarrassment suffered when they are either rejected from a potential job or simply turned away because of job cuts.

Saying this, the middle-class citizen is often caught in a catch-22 because they cannot go out and capitalize on entrepreneurship due to the lack of loan opportunities. Unfortunately, this holds true no matter how good of an operational and managerial system they have put in place. This also holds true with gainful employment not being found because businesses are not able to expand, causing unemployment rates to soar.

OPPORTUNITIES: MIDDLE MARKET

FF10 Partners serves as a middle-market and small business savior. Through honing in on fundamentals of operations and management, FF10 helps to mitigate the risks that all small businesses face by honing in on strategic planning. By creating partnerships with already existing small businesses and helping to customize approaches for entrepreneurs to reach out to banks, FF10 helps keep hope alive for businesses that would otherwise be faced to file for bankruptcy, sale, face layoffs or completely close. Let’s face it, business owners are not union workers who are guaranteed 401k’s, pensions and other perks that come from working for a large corporation. They are the hardworking, private-sector individuals that our economy largely depends on in order to strengthen our market by applying for loans to grow the company which ultimately leads to the delivery of more jobs. In fact, small businesses account for more than 80% of created jobs in our market. With this being said, we need to look for ways to help those individuals who want to create opportunities for job hunters and market goods for potential consumers; not discourage potential and existing small business owners by not offering them operational or liquid injections to help strengthen net profits.

Additional to working with established firms who have successfully launched their businesses in their chosen field of niche passion, FF10 also facilitates an incubator program to help entrepreneurs get their new startups up and running. Management, financial planning and putting in play our investor resources are some of the many ways we can help spur economic growth. “FF10 reaches out to all people that have visions of growing a company centered on their passion(s) in life because great businesses start with organic ideas. Standard practice is understood that management and financial aspects of running a business thwart startups. Knowing this, our team has provided solutions in Pennsylvania, New Jersey and Florida for now, and we plan to expand the entrepreneur incubator program into most of North America by 2013. We are receiving solid feedback from persons regarding the program,” states Andre Doyle, FF10 Partners.

LICENSING AND PARTNERING

In order to apply these practices, FF10 Partners relies on partnerships and licensing as oppose to franchising for several different reasons. These reasons are because franchising is extremely liquid and capital sensitive. This means, franchisors standard is only to look for individuals who have a net income of at least $150k and have access to a minimum of $100k in liquid. The reality is that most American’s simply do not have that type of capital to start operations, nor the money to continue to feed a business that is in growth mode. Also, franchisor’s hold and can exercise “the first right of refusal.” This means, that even if you meet their minimum requirements, they can still reject you as a holder of their trademark for whatever reason they so desire. This also means they can take your trademark at any time without providing understanding and getting an individual franchisee’s consent.

By licensing and/or partnering with an operational and management company such as FF10 Partners, you ensure that your ideas are still going to be heard and potentially used; you minimize the capital you will have to raise yourself in order to see significant returns, you get to leverage some of your shortcomings in order to simply focus on your niche talent or you take a backseat and become a hands-off point holder. This also allows you to be coached by seasoned veterans of business operations which can serve as an invaluable lesson and with the partnering concept in place; you are able to reach a larger target market, ultimately allowing your brand to become more recognizable.

Restructuring Your Entity through FF10 Operations

Restructuring business policies and methodologies can be a time-consuming task. That being said, it may be the best option for your business if you have a distressed asset or are headed towards bankruptcy.

Restructuring business policies and methodologies means taking a closer look at how you do business and seeing what changes can be made. By examining at every aspect of your business, you may discover many easily implemented, cost-saving adjustments. Restructuring business policies and methodologies will increase the productivity and efficiency of your organization’s current business practices.

Strategy and Implementation Summary

The FF10 growth strategy will require a cut to the current divisions inside the organization and a restructuring of the company. Without the benefits of the restructuring process, it is likely that your business will stagnate, please keep in mind, however, that the process of restructuring is not without risk. In response to today’s retail and economic environment, the current business practice foundation will be slightly adjusted.

There will be two phases of restructuring the company. First, changes will be implemented in the current location prior to FF10 entering the doors. Secondly, in order to build and strengthen customers’ emotional attachment to the company, the brand must be revamped.

                                         Transformation into Corporate Style of Management

Overcoming the issue of total owner involvement in the business is a vital part of growth for any small business owner today. FF10 Partners’ subsidiaries function under “centralized" management with Andre Doyle and Burton Hamilton heading strategies. This management style allows for partnerships with pre-existing organizations and new businesses the ability to operate soundly without the owner being in the business 60+ hours a week.

Positioning through New Brand Development

The current small business branding strategy cannot support the next level of growth. The brand does not appeal to an increasing demographic in the target area. But changing the brand does not mean disregarding the existing value of the company (credibility, integrity, hybrid of traditional and technology).

FF10’s research executives have suggested that there are several reasons a small business should change their brand image. There is little to no brand recognition and potential customers are not clear about the message behind the brand. Another reason for brand evaluation is that the market for the company's product has changed dramatically. Even a slight shift in market conditions can necessitate a branding reevaluation to remain competitive.

A revised brand messaging will convey the company’s seriousness in increasing its value in serving the customers. Some of the characteristics of the new brand will reflect the sense of:

Sophistication

Globalization

Professionalism

Respect

Contemporary

Economical

Strategy Pyramid

Organizational restructuring is the greatest challenge in the growth plan. The current management culture is centered on an absentee model, and as a consequence, workers are less likely to contribute to the overall performance of the company. Although this has given the current owners flexibility, this style of management has limited the company's growth.

Prior to FF10 implementation, we will recruit and hire only the premier workforce, placing the recent hires and retained employees in strategic positions, resulting in the creation of accountability in the company’s performance. Ongoing, we must continue to invest in increasing the competency of your employees through various onsite seminars taught by FF10, relating to sales efficiencies and competencies. Through the development of corporate culture, the entity will become a professional company dedicated to good governance and will one day yield greater performance.

The brand re-development will include an emphasis on its new marketing campaign. The emotionally charged marketing campaign will appeal to the savvy generation of today. The now formed company should shift its perception from being the higher end facility toward being the facility that understands and cares for the community during tough economical times. This will be done by implementing a mission that resonates in the community and is followed by owners, operators, workers and patrons alike. This will happen immediately with entry of management group.

Core Values

Administrative Excellence

We irrepressibly chase ongoing improvement and excellence in contract law, civil law, real estate processes, and technology, and characterize success by establishing building blocks of tradition.

Purpose and Focus

We believe in having purpose for our company and care about applying focus to every task, both for our team at FF10 Partners and those in our extended community.

Balanced Workplace

We believe in building a balanced workplace and in making smart management decisions. During any workday we believe that there is a “building block of tradition” and a most excellent way of doing things, and we endeavor to reach them.

Education and Learning from Mistakes

We maintain inquisitiveness towards the world and as with our Academy, “where learning is a way of life and life is learning”. We believe in persisting self-improvement and developing our own leadership skills.

Integrity

We conduct ourselves with adamant integrity and sincerity as individuals, as groups, and as a corporation. We strive to gain good standing with others, as to secure long-term personal and business relationships.

FF10 Partners Property Management

Overview

At FF10 Partners, we express who we are as an organization through our guiding principle, our mission, and our core values. Developed over time, each represents a philosophy or goal that is intrinsically important to the organization.

Our guiding principle is "A Building Block Of Tradition" This means doing what is best for our staff members, customers, business partners, and communities for the long term, and believing that "right" answers exist. It also means measuring our success, not merely in financial terms, but by how consistently we act according to this principle. Our mission and core values express what "A Building Block Of

Tradition" means in our day-to-day work.

Our mission articulates our goals as a company and how we go about achieving them. Our core values set out the principles that define who we are and how we work together. We invite you to explore these two different ways of understanding FF10 Partners Property Management

Mission

Our chief aim is to change the world by accelerating the pace of discovery, innovation, development in engineering and real estate.

We strive to be the leading worldwide property Management Company and purveyor of creative financing. Our business activities are characterized by quality, innovation, and integrity; competitive awareness; administrative excellence; and exceptional service to our customers.

We foster an enjoyable, energetic, team oriented, and equal work environment that nurtures individual growth, performance, loyalty, detail oriented; embraces diversity; promotes leadership and creativity; shares responsibility and rewards excellence.

 FF10 PARTNERS, LLC©2011

ABE Construction Corporation

“Where Excellence Meets Discipline”

Mission

To create an environment where excellence meets discipline so we can sustain an overall operation where the complete project meets and exceeds the expectations and needs of the customer. We strive to provide a low cost, quality, safe, diverse and environmentally friendly ecosystem to build and develop the best properties, buildings, and landscapes. Ensuring quality and safety means that we are paying attention to the needs of society with an intrinsic focus on the future. We will work in a timely fashion to reinforce our commitment to being fiscally responsible, furthering our agenda of excellence meeting discipline. Successfully filling this void is something that we take very seriously and we commit to a life of learning and a steadfast approach to innovation and technology. The possibilities are endless when effective management and solid engineering can happen in tandem with our core values. Through our values, we have the ability to focus on what is needed, how to apply what is needed, and when to apply the necessary ingredients to do the job at hand.

Core Values

Excellence – excelling in the field of construction takes a team dedicated to keeping the promise of excellence – to uphold the standards day in and day out that will give our company the foundation needed to host, deliver, and maintain successful business operations.

Discipline – steady focus is what keeps us on the cutting edge, by channeling our efforts in a clear and consistent manner; we can count on much needed organizational flexibility in today’s environment.

Technology – utilizing the most appropriate technology ensures we maintain a competitive stance in this industry. Much has changed, and much will change in the future.

Innovation – executing on new and timely ideas is what it takes to deliver inventions to this sector; our belief system is that we can be creative.

Fiscal Conservatism - By making sure we are spending in the areas of research and development, top Project Managers, and investing in strategic partnerships, we will ensure the longevity our company needs to sustain the winning ingredients for the future.

ef

Eminent Fitness

Thank you for taking the time to thoroughly examine Eminent Fitness Coaching. I sincerely hope that you come to find that we at EF are built and based on integrity that carries throughout our company and is the ultimate fundamental lever that harnesses all of our ongoing initiatives.

Based out of Charlotte, NC, we are currently applying community outreach programs throughout the Central PA area in order to make this a place that promotes health & wellness. With a rising rate of obesity in Central PA, we find it relevant to communicate to reach each person in the community to become more proactive with issues of health.

By being able to tie health education with events in persons specific communities, individuals will feed off of the connection to their neighbor and help one another become success stories in regards to wellness management.

Eminent Fitness will deliver messaging of wellness through community bulletins, email blasts to Township workers and hold community events and activities. This will all be done to raise awareness of obesity rates, healthier eating habits as well as how to become more environmentally friendly.

In closing, I would like to thank you for your interest and ongoing commitment to our company. Eminent Fitness is vigorously working to emerge as community friendly health expert by continually redefining our operations and management strategies. We will continue to put our best efforts forward in order to secure the best strategies for your community.

Andre Doyle

Chief Executive Officer

the philosophy

we at EF are here to assist you in developing a healthier, smarter LIFESTYLE change. we believe a PARTNERSHIP is the only way true changes will occur inside and outside of your body. our philosophy is simple; 'what you get out of things is based on what you put into them.' we have created a simple plan that will have a strong impact on your HEALTH and WELLNESS if you use the TOOLS in which we provide. you are the only person who can truly find your inner EMINENCE, we just want to help point you in the right direction. so cheers, this lifestyle change is dedicated to YOU!

THE FUTURE

As we head into 2012 there are a few indicators we take note of. Staring with agriculture and finishing with services. The proliferation of business concepts and ideas are among us. More and more we can elevate ourselves with knowledge that was not available before.

As knowledge floodgates open, the expansion of ideas and innovation is soon to follow. Agriculture, otherwise known as the energy sector shows great business promise as a global food crisis is crippling whole societies by the thousands. Famine has taken root in various countries spanning from Africa to the U.S. In order to help spur new food growth, organizations will need to jump in head first and allocate resources to deal with this problem. The issue then is seen being food shortage with financial speculators as the catalysts for such turmoil. We need to shift some power back into the hands of the people. How do we do this? This is capable through the concept of Micro-farming.

The convenience of shopping at your local grocer won't change. Consumers will still want to access products through stores. However the change would be that now you could stop at your local community store to purchase fresh food at a discount. The food (vegetables, fruits, nuts, etc) would be grown locally at the community farm or at the actual homes of community members. The problem is further analyzed through the effects of empowerment. Empowering the community by teaching farming techniques is the fastest way to encourage healthy living, family work programs, and environmental awareness.

Burton Hamilton, Chairman

FF10 Partners, LLC

Why are Brazil, Russia, India and China leading the way for Economic Growth?

Will the US be out Dueled and Dethroned by Emerging Economic Powers?

Harrisburg, Pa- January 20, 2011- In 2003, Goldman Sachs, a cutting edge consulting firm prophesized about economic growth in Brazil, Russia, India and China. This report suggested that these countries would harness the fastest growing economies over the next 50 years and could perhaps surpass the US in organic generated revenue that would propel them to overtake the US as global economic leader.

With these countries well developed strategies of manufacturing, agriculture and service sectors, as well as their government’s leadership and handle on inflation, surpassing current global titans could very well be eminent.

The BRIC (name given to these four emerging countries when they agreed upon an alliance) has transcended from underprivileged, uncertain economic third world countries, to major players on a global scope. This is largely the result of current financial leading countries outsourcing operations in these areas to cut cost. Many experts believe that these mechanisms have now caused uncertain futures in the leading economies and monumental growth in these surging countries.

The US needs to truly ride the wave in which the emerging international market is shaping itself to become, and make sure alliances are set in place with these future titans in order to ensure the well-being of the State. Currently, China stands as the benefactor and debt collector of the majority of the US trillion dollar tabs, which the treasury continues to run up. Many of these concerns front lined the open discussion which President Obama and President Hu discussed in their most recent talks at the White House.

As global citizens, we must understand that even though some countries have a) been seeing an influx in capital dumped into their economy and/or b) surging markets look promising; these countries are still far too immature be able to handle the constant ups and downs felt by the market flow. This means countries such as India, although looking promising to the on-looker, are still not set-up with complete economic overrides incase an imbalance happens in the market, such as the recent recession that happened in the US and was felt by the world. “Being ill-equipped for these sudden fluctuations could result in these countries becoming oversaturated, under prepared and ultimately could be economic death to investors. We need to continue to develop these areas by investing, but tread lightly and diversify our investments in more than just one of these emerging markets, Andre Doyle CEO, FF10 Partners.”