.

Report On Business Plan for , a Retail

Superstore

(Based on the Study of CRM)

“Elegant (VII)”

Report

On

Customer Relationship Management

Course: 521

Topic: “Business Plan for , a Retail Superstore”

Prepared for:

Ali Mohammad Kawser

Lecturer

Department of Marketing

Faculty of Business of Studies

University of Dhaka

Prepared by:

“Elegant (VII)”

Section: A

Department of Marketing (14th)

Faculty of Business Studies

University of Dhaka

Date of Submission: 13th April, 2013 eng.

Group Profile:

“Elegant (VII)”

No. Name Roll Designation Remarks

1 Anjuman Ara 215 Member

2 Mohammed Saiful Islam Masud 221 Member

3 Md. Abdur Rakib 375 Member

4 Chowdhury Omor Faruque 377 Leader

5 Md. Al Amin 419 Member

6 Rumana 427 Member

7 Md. Moben Ahmed 526 Member

Chapter Questions:

Chapter 1 (Customer Relationship Management):

a) What is CRM?

b) What are the facets of CRM?

c) What are the important aspects of CRM in Marketing?

Chapter 2 (Rediscovering the Customer):

a) Why customer understanding is important?

b) What are the consumer sectors in Bangladesh?

c) Describe the bargaining power of buyer.

Chapter 3 (How to Measure Customer Relationship):

a) Why customer relationship measurement is important

b) Describe the market research process

c) Describe the types of survey

Chapter 4 (Customer Response):

a) What are the different patterns of customer response?

b) Describe the prerequisite of customer response.

c) Describe the response medium of customer.

Chapter 5 (Customer Satisfaction):

a) What are the factors affecting customer satisfaction?

b) What are the reasons behind customer satisfaction measurement?

c) How to promote customer satisfaction?

Chapter 6 (Loyalty and Customer Retention):

a) Briefly describe about customer loyalty and satisfaction

b) Briefly describe about customer satisfaction and loyalty.

c) What is the advantage of customer loyalty?

Chapter 7 (Complaint Management):

a) Why customer complaints? describe with example

b) Briefly describe customer complaint with example

c) Why complaints management necessary?

Chapter 8 (Service):

a) What is service?

b) Describe the types of service

c) What are the characteristic of service business?

Proposal on New Business Ideas:

Waste Management & Energy Recycling Services

Nationwide, many landfills are closing or exhausting their remaining capacity. Yet due to

environmental restrictions, zoning laws, and other regulatory and bureaucratic delays, pitifully

few new landfills are opening to offset the looming space crisis. Meanwhile, municipal waste

continues to flow in greater volume. Handling the nation's waste stream has become a major

problem for most municipalities. With more waste created daily, landfills nationwide are rapidly

facing a capacity crisis. Landfills are akin to owning a reverse gold mine. So, assistance in these

kinds of services will enlarge the beauty of our nation.

Sustainable Eco Ideas & Design Services

We have selected this service idea because of its potential and market growth opportunity. It is

estimated that real estate sector in Bangladesh is booming and it will continue to boom for

example, SAHARA has already planned to invest in Bangladesh. As a result, there is a potential

that such services will gain great market share in the real estate sector in Bangladesh. We are

basically providing two types of services. These are:

1. Idea development

2. Designing offices and apartments

Business Plan for “UNISTORE”

To introduce a new era of business module in Bangladesh, we 7 friends are going to establish a

superstore named “UNISTORE”, a unique, universal and versatile sales floor. It generally

provides almost every kind of consumer goods. To make it successful we have chosen both

developed and developing regions of Dhaka city to inaugurate 1 outlet initially. Our form of

organization will be general partnership.

Letter of Transmittal:

13th April, 2013 eng

Ali Mohammad Kawser

Lecturer

Department of Marketing

University of Dhaka

Dear Sir,

Here is the report on the “Business Plan for , a Retail Superstore” as part of our

study that you asked us to conduct on the basis of 3rd January, 2013 proposal of 3 business ideas.

Our study of preparing a complete business plan helped us know about a lot of information

regarding business start up & its planning, retail industry & superstore which is our chosen topic.

We have come to know various points of organizational structure, planning, situational analysis,

marketing strategies, financial analysis etc. that would help us further.

We appreciate your choosing business plan as or assignment topic. If you need any additional

research or assistance in the overview of our plan, please ask us.

Sincerely Yours,

“Elegant (VII)”

Section: A

Department of Marketing

Batch: 14th (MBA)

University of Dhaka

Table of Contents:

No. Particulars Page No.

Executive Summary X

1. The Organizational Plan 1

A Summary Description of the Business 2

B Products or Services 4

C Intellectual Property 6

D Location 7

E Legal Structure 7

F Management 8

G Personnel 12

H Accounting & Legal 13

I Insurance 14

J Security 14

2. The Marketing Plan 15

A Overview and Goals of Marketing Strategy 16

B Market Analysis 16

C Marketing Strategy 19

D Customer Service 22

E Implementation of Marketing Strategy 24

F Assessment of Marketing Effectiveness 25

3. Financial Documents 26

A Summary of Financial Needs 27

B Loan Fund and Dispersal Statement 27

C Pro Forma Cash Flow Statement (Budget) 28

D 3-Year Income Projection 29

E Projected Balance Sheet 30

F Break-Even Analysis 31

G Profit and Loss Statement (Income Statement) 32

H Balance Sheet 33

I Financial Statement Analysis 34

J Business Financial History 39

4. Supporting Documents 40

A Personal Resumes 41

B Owners’ Financial Statements 45

C Credit Reports 45

D Copies of Leases, Mortgages, Purchase Agreements, etc. 50

E Letters of Reference 52

F Contracts 53

G Other Legal Document 53

H Miscellaneous Documents 58

I Poster Ad of UNISTORE 59

J Presentation Slides 60

References 63

Executive Summary:

To introduce a new era of business module in Bangladesh, we 7 friends are going to establish a

retail superstore named , a unique, universal and versatile sales floor. It generally

provides almost every kind of consumer goods. To make it successful we have chosen both

developed and developing regions of Dhaka city but we will inaugurate 1 outlet initially. Our

form of organization will be general partnership.

Since we will pose general partnership we ourselves will serve every kind of management

functions. Besides, we are highly experienced and linked with various financial organizations

which will help us getting loan and monetary backup. We have a few other strengths which are

more enough to drive our weaknesses. Moreover, we have corporate lobbying so that we can

acquire strategic and competitive advantage.

On the other hand, we have a unique value proposition “Buy green, live green” so that customers

can use products in an environment friendly manner. We will not only sell quality products and

services but also values and trust. Thus, we would like to capture 22% market share within 2

years. We consider some of our basic characteristics as a criterion of becoming successful in the

market environment.

We are the first to start a superstore including almost all kinds of variety goods.

Almost every kind of consumer goods and services will be available in our sales floor.

E-Marketing (Electronic Marketing) system.

Skillful, devoted, friendly, and committed employees.

Strategic partnership with various banks, leasing companies and insurance companies.

Corporate lobbying which provides opportunity to supply materials for employees.

We shall require tk. 85.67 crore or 856.7 million tk. as our total cost of business set up. We shall

count on investors on our business & loans from various sources which will be paid in different

periods. Our business plan is focused on long term planning to capture a huge market share and

eventually become market leader and dominant in this sort of businesses.

Part 1: The Organizational Plan

A. Summary Description of the Business:

Our business is established mainly to provide consumer goods and services to people in more

comfortable way where they will be able to collect their any kinds of necessaries with the

assurance of quality and standard in an environment friendly manner.

We are following limited partnership business module which will be started officially from 1st

January, 2011.

Mission:

1. Short term goal (mission): “Buy green, live green”.

2. Long term goal (vision): To establish a market environment where customer will get

quality products & services at a reasonable price in an environment friendly manner.

Business Model: Our business model shows us unique from others in this industry. A

sample of our business model is given below:

Strategy:

1. Short Term Objectives: Within 2 years we want to capture 22% customer purchasing

from our super store providing product at comparatively cheaper price.

2. Long Term Objectives: We want to establish our own agro based firm, agro based

product, from our own manufacturing firm so that we can meet our commitment at

reasonable price and high quality which will accelerate of our ultimate objective to be

a market leader in consumer goods.

Strategic Relationships:

1. We have current strategic relationships with Standard Chartered Bank, BRAC Bank,

DBBL, EBL, and HSBC. (Including 3% discount of credit card holder)

2. GP will pride low cost charge when using GP SIM in our internal connection.

3. AK firm supplies at low cost as we are regularly receiving supply from them.

SWOT Analysis:

1. Strengths:

a. We offer multiple category of product line.

b. We have enough sources to supply, pure product at low cost.

c. We will produce environmentally friendly product.

d. E-marketing

e. Every kinds of consumer product is available in one place

f. Skillful, devoted and committed employee.

g. Good relationship with suppliers.

h. Time saving.

2. Weaknesses:

a. Unfamiliar concept in Bangladesh.

b. Many alternatives exist to this concept.

c. Comparatively high cost.

d. Lack of large space at important location.

3. Opportunities:

a. Unavailability of super shop

b. Interest of large portion of customer.

c. Change in life style.

d. Good profit potential.

e. Increasing of new urban area.

4. Threats:

a. Political instability

b. Financial instability

c. Transportation problem

d. Power shortage that increase our cost

e. Established local market

f. Internal threat

g. Tendency to corrupt

h. Grapevine

B. Products or Services:

Sources: We will collect product from the following sources:

1. Suppliers

2. Own firm

3. Farmers

Types of Products and Services: Our stores feature wide, clean, brightly-lit aisles and

shelves stocked with a variety of quality, value-priced general merchandise, including:

1. Family Apparel

2. Healthy and Beauty aids

3. Electronics

4. Toys

5. Lawn and Garden items

6. Jewelry

7. Automotive Products

8. Home Furnishings

9. Hardware

10. Sporting goods

11. Pet supplies

12. House wares

13. Groceries:

Bakery Goods

Meat and Dairy products

Fresh produce

Dry goods and staples

Beverages

Deli Foods

Frozen Foods

Canned and Packaged Goods

Condiments and Spices

Household Supplies

14. Service Items:

Branded Fast Food Retail Shop / Restaurants

Portrait Studio and Photo Center

Pharmacy

Sports and Fitness

15. Market side Offerings: We will arrange some special market side offerings to gather

satisfaction from customers in the following way:

“Entries and Sides” inspired by classically trained chefs and ready to serve in

minutes.

An assortment of “Hot Foods” like pizzas, roasted chickens, soups and breads that

are fresh out of our oven.

Daily deliveries of fresh produce, meats and flowers for “Guaranteed Freshness”.

More than 300 “Natural and Organic” products throughout the entire store.

A vast assortment of “Fast Food Items” in a reasonable price.

Plus, all the “Grocery Brands” you want at low, low prices!

C. Intellectual Property:

We have our logo of UNISTORE which is our special trademark and it will differentiate

us from others. Our strategies and intellectual designs are also important that would not

be let to copy. In this regard, we will have copyrights on these facts. We have introduced

a few new ideas on which we will hold periodic patent.

Our Logo:

We will make registrations according to the rules of law with the supporting documents

for the above mentioned intellectual properties.

D. Location:

Locations & projected costs of our organization are given as the following:

No. Particulars Address Projected Cost

tk.(Yearly)

1 Corporate Office 32/2-A Shantinagor, Dhaka 20,00000

2 Outlet 1 Road No-05, House# 9, Block- C, Uttara,

Dhaka-1202

18,00000

E. Legal Structure:

We have formed our business as a partnership in accordance with the “Partnership Act 1932”.

We have selected general partnership criteria as our under partnership classification. Because it

has the following advantages which are often seen as positive attributes of being in a partnership:

Advantages of General Partnership Business:

1. Shared financial commitment.

2. Resources, expertise, and strengths can be pooled

3. There are limited startup costs.

4. There are few formalities in such kind of partnership.

5. Simple and inexpensive to create and operate

6. One big advantage of a general partnership is that you don't have to register with your

state and pay a fee, as you do to establish a corporation or limited liability company.

And because a general partnership is normally a “pass through" tax entity (the

partners, not the partnership, are taxed unless you specifically elect to be taxed like a

corporation) filing income tax returns is easy.

List of Owners & Corporate Officers:

No. Owners Corporate Officer

01 Md. Moben Ahmed Md. Moben Ahmed

02 Md. Al Amin Md. Al Amin

03 Chowdhury Omor Faruque Chowdhury Omor Faruque

04 Rumana Rumana

06 Mohammed Saiful Islam Masud Mohammed Saiful Islam Masud

06 Md. Abdur Rakib Md. Abdur Rakib

07 Anjuman Ara Anjuman Ara

F. Management:

List of Managers:

1. Moben Ahmed

2. Md. Al Amin

3. Chowdhury Omor Faruque

4. Mohammed Saiful Islam Masud

5. Rumana

6. Md. Abdur Rakib

7. Anjuman Ara

A management model is given in the following to illustrate the managers’ position and activities.

“Management Model”

Responsibilities & Abilities:

1. Md. Moben Ahmed (CEO):

a) Ability: He passed BBA, BCS from DU & MBA from Daffodil University in

America. Now, he is working as a Managing Sales Manager of reputed

Multinational Corporation of that state.

b) Responsibility: He will be responsible to coordinate all the department of the

organization including Finance, Accounting, and Management. He will evaluate

overall performance of the firm & take initiative to implement short-term goal of

the firm. He will try to take leadership in prominent association in Bangladesh.

Board of Directors

President

•Chowdhury Omor Faruque

Vice President

•Md. Al Amin

Cash Internal

Auditor

Md. Abdur

Rakib

Operations

Controller

Anjuman Ara

Financial

Controller

Rumana

Accounts

Controller

Md. Moben

Ahmed

SCM

Controller

Mohammed

Saiful Islam

Masud

He will also adopt strategic relationship with different financial organization to

acquire competitive advantages. He will also include himself with CSR.

2. Md. Al Amin (Head of Finance):

a) Ability: He completed his graduation from Dhaka University. He studied major in

Accounting and he is also a CA holder. Acting as an auditor.

b) Responsibility: He will deal with all financial activities of the firm. He will

prepare the short and long term budget. On the other hand he will acquire debt

and contact with various financial organizations. Besides, he will try to develop

strategic development of different organizations. Moreover, he will plan for the

distribution of financial resources in various departments of the company like

sales promotion, MIS, supply, inbound and outbound logistics, distribution etc.

short and long term objectives will be acquired by him. He will also be

responsible for accounting, cash management, and investment.

3. Mohammed Saiful Islam Masud (Head of SCM & Logistics):

a) Ability: He completed his graduation from Dhaka University & acquired SCM

degree from ISCEA, Bangladesh.

b) Responsibility: He will deal with all logistics activities of the firm. He will

prepare the short and long term budget & planning of supply chain activities. On

the other hand he will control the inventory managers & supervisors. Moreover,

he will try to develop strategic relationship with suppliers & dealers of different

organizations.

4. Chowdhury Omor Faruque (Head of Marketing):

a) Ability: BBA and MBA from Dhaka University. Working as a Lecturer at DU in

the Marketing Department.

b) Responsibility: He will cover all those areas related to the marketing functions of

getting consumer and clients to buy the products and services. Related areas are

new product development, promotion, distribution and pricing strategies.

5. Anjuman Ara (Head of Operation):

a) Ability: BBA and MBA from Dhaka University & acting as an Operation

Manager of GP.

b) Responsibility: Operation head is connected with creating and managing the

systems that creates product or service. Typical responsibilities include

production control, supply chain management, inventory control, plant layout, and

site selection.

6. Rumana (Head of HRM):

a) Ability: BBA and MBA from Dhaka University in Management. Now working as

a General Manager of newly started company.

b) Responsibility: She will be responsible for recruitment and developing of

employees. Besides, he will be involved with HR planning, selecting employees,

training and development, designing compensation and benefit systems,

formulating performance and appraisal systems, and discharging of low

performing and problematic employees.

7. Md. Abdur Rakib (Head of Administration):

a) Ability: Passed BBA and MBA in Marketing from DU. Now acting as a head of

Administration of a Standard Chartered Bank Branch.

b) Responsibility: He will not be associated with any particular management

specially. Rather he will be responsible for dealing with administrative bodies,

political and social environments for example; press release and outward

activities.

Projected Salaries: Projected salaries for the managers are given as the following:

No. Designation Salaries

1 CEO 80000

2 Head of Finance 60000

3 Head of SCM & Logistics 60000

4 Head of Marketing 60000

5 Head of Operation 60000

6 Head of HRM 60000

7 Head of Administration 60000

Total= 380000

G. Personnel:

Number of Employees & Positions: Initially we will open 3 outlets and a corporate

office. These will require following number of employees:

No Position Individual Salary Number

1 Branch Manager 50000 3

2 Cashier 25000 18

3 Online Supplier Manager 40000 5

4 Online Salesperson 35000 60

5 Salespeople 15000 164

6 Security 8000 60

7 Carrier 8000-12000 50

Total 250

Qualifications:

1. Manager: BBA or MBA from any reputed public or private university. Marketing

students are highly encouraged here to apply. The applicant should have sound

communicating skill both in Bengali and English. Computer excellence is mandatory.

2. Cashier: BBA or MBA in Accounting from any reputed public or private university.

Besides, the applicant should have computer excellence.

3. Others: H.S.C or Degree passed from any discipline & must have good

communication skill.

Working Hours: Working hours for various personnel are shown as in the following

table:

No. Designation Working hours

01. Sales person 6

02. Sales people 8

03. Security 8

04. Carrier 8

Future Needs: Future needs of personnel is given below:

Year No. of Outlets No. of Personnel

2 5 450

3 8 700

4 12 1000

5 18 1250

H. Accounting & Legal:

Accounting: EDI (Electronic Data Interchanges) will be used for daily accounting

records. In this regard, we will use various financial accounting software and calculators.

Our Accounting Manager will deal as a tax accountant as well. On the other hand, our

Financial Manager will be responsible for the periodic financial statement analysis.

Legal: Our legal adviser will retain as an attorney for dealing our legal problems.

I. Insurance:

Kinds: We will simply carry on 3 types of insurance policies:

1. Fire Insurance

2. Property & Liability Insurance

3. Marine Insurance

Premium: Our calculated premium for the overall insurance policies will be tk. 2 million

per year.

Carrier: Our Accounting Manager will undertake the activities regarding insurance and

also act as a carrier for us.

J. Security:

Inventory and theft Control:

1. In case of inventory control, EDI system and inventory entry system will be

moderated by the Inventory Associates and Supervisors.

2. They will also moderate the theft of information both online and offline.

Related Costs: The following chart shows the project related costs:

Project Items Costs(tk.)

Software Developer 1200000

Web Page and LINK Development 300000

Other Activities 400000

Part 2: The Marketing Plan

A. Overview and Goals of Marketing Strategy:

We want to provide product to customer at reasonable price so that we can reach out goal to

establish a market environment where consumers will enjoy low cost product without sacrificing

quality so that we can reach our ultimate goals of becoming market leader.

Portfolio Analysis:

1. Star: We have identified our Uttara, branch as star with high growth and high market

share. In the next year, Banani, Baridhara and Dhanmondi branches will also be

counted as star. We need heavy investment to finance their rapid growth.

2. Cash Cow: Our Nikunjo, and Chittagong branches upcoming are identified as cash

cow with low growth and high share business or product. These established and

successful SBU’s need less investment to hold their market share. These branches

produce a lot of cash that we can use its bill and support other SUB’s.

3. Question Mark: Purbachal, Comilla, Rajshahi, and Sylhet upcoming branches are

identified as question mark with low share business unit is high growth market. These

branches require a lot of cash to hold share let increase it.

4. Dog: Our Lalbagh, Azimpur upcoming branches is identified as dog category which

generates enough cash to maintain them but don’t promise to be large source of cash.

B. Market Analysis:

Target Market:

1. Age: Under 6, 6-11, 12-19, 20-34, 35-49, 50-64, 65+

2. Occupation: Professional and Technical, Managers, Officials, Proprietors, Sales,

Supervisors, Farmers, Students, homemakers, Unemployed.

3. Social Class: lower-lower, lower-uppers, upper-uppers, working class, middle class,

upper middle class.

Competition:

1. Competitor: Agora, Nondon, Meena Bazar, PQS, Shwapno.

2. Strength and Weakness: Strengths and weaknesses of one of the above competitors,

AGORA is given below:

Agora:

Strength: Efficient website, brand image

Weakness: Insufficient cash booth, shortage of branch, lack of varieties,

infrastructural weakness

Market Trends:

1. Western

2. Expecting quality product at less price.

3. Tendency to save time.

4. Expecting on-line service.

5. Hassle free shopping.

6. DFS

Market Research: We have undertaken survey method under which we have prepared a

questionnaire, prepared a database analysis, and found results as given following:

Questionnaire

1. What are the factors which influence you to go to supershop?

a. Price b. Quantity c. Location d. Time

2. Are you satisfied with the existing shops in Bangladesh?

a. Yes b. No c. No comments

3. What types of products do you usually buy from supershop?

a. Baby food b. Confectionary c. Fresh items d. Clothes

4. Do you expect new combinations of products?

a. No b. Yes c. No comments

5. Which shop do you prefer most for shopping?

a. AGORA b. Nandon c. Shwapno d. Meena Bazar e. Others

6. How many specific shops do you prefer to go?

a. Only 1 b. 2 c. More than 2

7. Do you think supershop costs higher than traditional market?

a. Yes b. No c. No comments

8. Which type of e-marketing is more convenient to you?

a. Mobile b. Internet c. Online

9. Which types of payment do you prefer to do?

a. Cash b. Credit Card c. Debit Card d. E-card

10. What do you expect more from such kind of shop from your point of view?

……………………………………………………..

Database Analysis & Results: After surveying on 20person we have got the following

result:

1. 19% people go to such shops for the price factor, 21% for quantity, 35% for

location, and 45% for time.

2. 49% is not satisfied, 35% is satisfied, and 16% didn’t comment.

3. 25% buys baby food, 39% buys fresh items, 35% buys confectionary, and 11%

buys clothes.

4. Yes 88%, no 7%, & no comments 5%.

5. AGORA=45%, Nondon=28%, Meena Bazar=20%, Shwapno=5%, others=2%.

6. 1 store=52%, 2 store=41%, more than 2=7%.

7. Yes=57%, no=38%, no comments=5%.

8. Mobile=69%, internet=24%, online=7%.

9. Cash=70%, credit card=10%, debit card=20%.

C. Marketing Strategy:

General Description: We want to invest 30% money in our 1st year and 25% money in

our 2nd year promotional activities.

Year Particulars Amount (Million tk.) %

1st year Online 45 15%

Offline 265 85%

2nd Year Online 30 12%

Offline 220 88%

We want to get return a loss of tk. 22 million in online sector and tk. 57.5 million in offline.

Besides, we want to get return a profit of 15% on online promotion and 20% on offline

promotion and the amount is respectively 4.5 million and 44 million tk.

Method of Sales & Distribution: We want to sell our products by storing in our own

retail store which is located in different divisional cities of Bangladesh. We would like to

store imported and finished products in our warehouses which are located only in Dhaka

& Chittagong. We will distribute our products by mobile, internet, and website.

Packaging: We will introduce 4 types of packages for our different levels of customers

which are environment friendly.

1. Children: We have introduced new shopping bag for children. It will be colorfull &

cartoony design hopefully which will attract the children.

2. Women: For women, we have special shopping bag which have some tips for women

in recipe related perspective.

3. Men: For our men customer, we have shopping bag which have some beauty tips for

men.

Pricing: We planned to offer our products comparatively in lower price than our

competitors like AGORA, Nandon etc. to capture more than 25% market share from

them. From the next year, we will offer our products at the same price which our

competitors will hold. In this situation, we will follow overall cost leadership pricing

strategy. We want to create competitive advantages by reducing cost on supply,

promotion, distribution, and other promotional activities so that we can create

competitive positioning in the market.

Branding: Today branding has become so important that there is hardly anything that

has no brand identity. At the same time, consumers view it as an important part of the

product as it adds values to it & makes it unique. Besides, it can be said that customers

not only buy a product or service but also the brand with it. And that is why we have

chosen a brand name “UNISTORE”. We believe that this name is a unique and

distinctive one to attract potential customers and make them to be loyal.

Database Marketing: Each and every marketing transaction will be recorded in our

automatic database system which is so called EDI. From this system we could easily

understand our customers’ purchasing trends of different products.

Sales Strategies: We will maintain the following sales strategies:

1. Direct sales which will help us to reduce our costs.

2. Online selling will be an economical and convenient option too.

3. Mobile marketing can be a very convenient option as it has been so popular electronic

media at present.

Sales Incentives: The following sales incentives can be taken besides the sales strategies:

1. We will not charge for any kind of additional services we would provide.

2. We will give rebate to the customers who will purchase in account.

Advertising Strategies: Various types of advertising can be given in order to promote

our product to both potential customers and other elements of macro environment. These

are:

1. Traditional Media: Traditional media electronic and printing media for example; TV,

newspaper, article, journal, bill board etc.

2. Modern Media: Advertising has entered into a new era of media such as blogs on

facebook, ads on Bdjobs, Cellbazaar & other popular sites of Bangladeshi context etc.

Public Relations:

1. Online Presence: By social networks for example; Facebook, yahoo, Mig 33 etc.

2. Events: Social awareness programs like antidrug campaigning, antidowry program,

and environment friendly activities etc.

Networking: We will be the member of “Association of super store industry in

Bangladesh” (ASSIB). This will help us to network with other related company.

D. Customer Services:

Description of Customer Service Activities: We always believe “Customer is the key to

our success” & that is why give them the first priority in every respective decision. Such

priorities are

1. Arranging products in a disciplined manner/way: We will arrange our products in a

disciplined way so that customers don’t face any problem when they choose the

products. For example; we will divide our spaces in many parts like one part will be

displayed with fresh items, one will specify cosmetics and jewelries, one for children

and baby items etc.

2. Offering huge number of trolleys: A huge number of trolleys will be offered so that

customers can easily carry their loads easily.

3. Giving Product Number, Amount & Price: We will also give product code on the

body of our product so that customers can easily identify the price and if there is no

price written on the body of the productivity then by using a special machine which if

touches the product code will be able to show the price of the product.

4. Arranging 5/6 Cash Booths and Card Punch System: We will arrange 5/6 cash booths

so that no overflow of customer in the time of paying money & also to save the

valuable time of our customer.

5. Opening Complain Box: If customers have any complain against our products and

service they can drop it in the complain box without any hesitation. Besides, they can

give suggestions if they have. Thus, we could rectify our errors and provide the best

service we can.

6. Providing After Sales Services in Special Cases: When customers call on our number

and give any complain or demand any assistance regarding product after sales we will

try to satisfy them to our limits.

7. Automated Direction System: We will provide automated direction system for

searching specific product line or product.

Expected Outcomes of Achieving Excellence: To achieve excellence in case of

providing services to customers we will follow the following expected outcomes:

1. 24/7 online service will be provided by which customer can have their expected

product direct to home.

2. 5% discount will be held on the loyal customer.

3. Instant medical service will be ensured if anyone gets ill at our floor.

4. There will be space for children to play while parents could easily do their shopping.

5. Taking order for any foreign product by any customer which is not available here.

E. Implementation of Marketing Strategy:

To implement the marketing strategy there are a few strategies and functions needed to conduct

as given in following:

In-House Responsibilities: There are a few in-house responsibilities to perform. These

are,

1. We will maintain a friendly relation among our employees and with our customers.

2. We will make sure that our sales floor will be completely germs and pollution free

and any kind pollution like smoking is prohibited inside.

3. CCTV camera will be set for the outlet manager to conduct the whole sales floor

easily whether any kind of problems like corruption or misleading is happening or

not.

Out-Sourced Functions: Various out-sourced functions will be taken to attract the

customer and make them aware of it. These are,

1. Advertising in Prevailing TV Channels: As most number of people watches TV so it

is the best way to make people know about us via existing Bengali TV channels.

2. FM Radio: Now-a-days, FM is also an important media that we can also use for out-

sourced functions.

3. Newspaper, Journals, Articles: These are also important media for advertisement.

4. Leaflet: We will give our introduction to the public via leaflet.

5. Relation with Public Organization: We will obviously try to make relations with

many existing public organization such as CAB, NBR, EPB, Tax & Commission etc.

to get further help in many different situation.

F. Assessment of Marketing Effectiveness:

There are many existing companies which are dominating in the kind of service we are going to

provide in a few perspectives. We visited a few important corporate personnel of such companies

to have the following evaluations:

According to the M.D. of Agora: We visited the M.D. of Agora and showed him our pre

and post planning activities. He told us, “I really wonder and surprise to see how these

types of idea came to your mind which I have never thought neither I could in the future.

That sounds great.”

According to the Maghbazar Branch Manager of Meena Bazar: When we met Mr.

Shafiq, the Maghbazar branch Manager of Meena Bazar, he said, “It would be a very

good idea of opening a superstore in Bangladeshi context for the 1st time.”

According to Chief Marketing Executive of Shwapno: We went to Mirpur Circle-10

branch of Shwapno and luckily found Mr. Arafat Sani, the Chief of Marketing

Department of Shwapno. He is very friendly and agile in nature. We told him about our

strategies. He was surprised to know and wished us good luck.

Part 3: Financial Documents

A. Summary of Financial Needs:

There are various financial needs related and a summary of which is given below:

1. We will take loan for initial costs like opening branches, improving our marketing

database system, implementing distribution activities, making promotional activities,

improving customer services, operating activities and most importantly for investment in

our business.

2. We need tk. 856.7 million tk. for the initial year. We will obtain this amount from

Phoenix Finance, BSRS, Bangladesh Development Bank, IDLC, Lanka Bangla Finance,

Prime Finance Companies.

B. Loan Fund Dispersal Statement:

Our loan will be dispersed in the following way:

For opening outlet: 535.7 million tk.

Improving our marketing database system: 21 million tk.

Improving promotional activities: 150 million tk.

Investment for various activities: 150 million tk.

C. Pro Forma Cash Flow Statement (Budget):

Pro forma cash flow statement for 3 years is given below:

Pro Forma Cash Flow Statement Particulars Year 1 Year 2 Year 3

Cash Received

Cash from Operations

Cash Sales 1,304 135 1,428

Subtotal Cash from Operations 1,304 1,357 1,428

Additional Cash Received

Sales Tax, VAT, HST/GST Received 0 0 0

New Current Borrowing 5 0 0

New Other Liabilities (interest-free) 0 0 0

New Long-term Liabilities 50 0 0

Sales of Other Current Assets 0 0 0

Sales of Long-term Assets 0 0 0

New Investment Received 54 0 0

Subtotal Cash Received 1,413 1,357 1,428

Expenditures Year 1 Year 2 Year 3

Expenditures from Operations

Cash Spending 111 125 130

Bill Payments 1,156 1,190 1,233

Subtotal Spent on Operations 1,267 1,316 1,363

Additional Cash Spent

Sales Tax, VAT, HST/GST Paid Out 0 0 0

Principal Repayment of Current Borrowing 0 7 15

Other Liabilities Principal Repayment 0 0 0

Long-term Liabilities Principal Repayment 0 5 10

Purchase Other Current Assets 0 0 0

Purchase Long-term Assets 0 0 0

Dividends 0 0 0

Subtotal Cash Spent 1,267 1,328 1,388

Net Cash Flow 145 29 40

Cash Balance 179 208 248

D. 3 Year Income Projection:

Income projections for 3 years is given below

Income Projection

Particulars Year 1 Year 2 Year 3

Sales 1,304 1,357 $1,428

Direct Cost of Sales 1,004 1,031 $1,071

Other Costs of Goods 0 0 0

Total Cost of Sales 1,004 1,031 1,071

Gross Margin 299 325 357

Gross Margin % 23.00% 24.00% 25.00%

Expenses

Payroll 111 125 130

Sales and Marketing and Other

Expenses

36 15 15

Depreciation 0 0 0

Leased equipment 0 0 0

Rent 60 65 68

Utilities 3 4 4

Insurance 7 7 7

Payroll Taxes 17 18 19

Other 15 10 10

Total Operating Expenses 249 245 254

Profit Before Interest and Taxes 50 80 102

EBITDA 50 80 102

Interest Expense 13 13 12

Taxes Incurred 10 19 27

Net Profit 25 46 63

Net Profit/Sales 1.95% 3.42% 4.43%

E. Projected Balance Sheet:

Projected balance sheet for 3 years is given below

Pro Forma Balance Sheet Particulars Year 1 Year 2 Year 3

Assets:

Current Assets

Cash 179 208 248

Inventory 122 97 102

Other Current Assets 8 8 8

Total Current Assets 309 313 358

Long-term Assets

Long-term Assets 8 8 8

Accumulated Depreciation 0 0 0

Total Long-term Assets 8 8 8

Total Assets 325 329 374

Liabilities and Capital Year 1 Year 2 Year 3

Current Liabilities

Accounts Payable 96 25 101

Current Borrowing 20 13 (2)

Other Current Liabilities 10 10 10

Subtotal Current Liabilities 126 118 109

Long-term Liabilities 125 20 10

Total Liabilities 251 186 228

Paid-in Capital 37 124 24

Retained Earnings (112) (86) (40)

Earnings 25 22 16

Total Capital 124 83 146

Total Liabilities and Capital 325 329 374

Net Worth 37 83 146

F. Break-Even Analysis:

Break-even analysis is a management control device that approximates how much you must sell

in order to cover your costs with no profit and no loss. Profit comes after break-even.

Profit depends on sales volume, selling price, and costs. Break-even analysis helps you to

estimate what a change in one or more of these factors will do to your profit. To figure it out,

fixed costs (like rent) must be separated from variable costs (like the cost of goods sold).

Break-Even analysis:

We will have an average monthly sales of 4 crore tk. which in turn will give a profit of 30%

on the sales deducting COGS, taxes & other costs that is 2 crore tk. monthly. So, the break–

even point will be,

Break Even Point = Fixed Costs / (Sales- variable costs)

= 535700000 / (480000000-321000000)

= 14 months = 1 year 2 months (approximately)

Chart: Break-even Analysis is analyzed in the following chart:

G. Profit and Loss Statement:

Profit and Loss Statement Particulars Taka

Sales 1,304

Direct Cost of Sales 1,004

Other Costs of Goods 0

Total Cost of Sales 1,004

Gross Margin 299

Gross Margin % 23.00%

Expenses

Payroll 111

Sales and Marketing and Other

Expenses

36

Depreciation 0

Leased equipment 0

Rent 60

Utilities 3

Insurance 7

Payroll Taxes 17

Other 15

Total Operating Expenses 249

Profit Before Interest and Taxes 50

EBITDA 50

Interest Expense 13

Taxes Incurred 10

Net Profit 25

Net Profit/Sales 1.95%

H. Balance Sheet:

Balance Sheet

December 31, 2010

Particulars Taka

Assets

Current assets:

Cash and cash equivalents

Receivables

Inventories

Prepaid expenses and other

Current assets of discounted operations

10

5

2

1

1

Total current assets

Property and equipment at cost:

Land

Buildings and improvements

Fixtures and equipment

Transportation equipment

19

20

15

5

17

Property and equipment, at cost

Less accumulated depreciation

12.5

18075

Property and equipment, net

Property under capital lease:

Property under capital lease

Less accumulated amortization

17.75

11.5

Property under capital lease, net

Goodwill

Other assets and deferred charges

13

17

2

Total assets 164

Liabilities and Shareholders’ Equity

Current liabilities:

Commercial paper

Accounts payable

Accrued income taxes

Long-term debt due within one year

Obligations under capital leases due within one year

Current liabilities of discounted operations

9

8.75

9.25

3.5

205

5

Total current liabilities

Long-term debt

Long-term obligations under capital leases

Deferred income taxes and other

Minority interest

Commitment and contingencies

Shareholders’ equity:

40

5

8.5

7.5

5

60

Preferred stock(tk.0.00 par value; 000 shares authorized,

none issued)

Common stock(tk.0.00 par value; 00,000 shares

authorized, 0,000 issued and outstanding at December

31,2010)

Capital in excess of par value

Retained earnings

Accumulated other comprehensive (loss) income

Total shareholders’ equity

Total Liabilities and Shareholders’ Equity

164

I. Financial Statement Analysis:

Ratio analysis:

1. Short-term Solvency or Liquidity:

Current ratio=current assets/ current liabilities

1st yr=309/251

=1.23

2nd

yr=313/186

=1.68

3rd

yr=358/109

=3.28

Quick ratio= (current asset- inventory)/ current liability

1st yr = (309-122)/251

=.75

2nd

yr= (313-97)/186

=1.16

3rd

yr= (358-102)/109

=2.34

Cash ratio= cash/ current liability

1st yr =179/251

=.71

2nd

yr=208/186

=1.11

3rd

yr=248/109

=2.28

Net working capital to total asset= net working capital/ total asset

1st yr=1230/309

=3.9

2nd

yr=1305/313

=4.16

3rd

yr=1405/318

=4.41

2. Long-term Solvency Ratio:

Total debt ratio= (total asset- total equity)/ total asset

1st yr = (325-124)/325

=.60

2nd

yr = (329-83)/329

=.75

3rd

yr = (374-146)/374

=.61

Long term debt ratio= long term debt/ (long term debt+ total equity)

1st yr= 125/ (125+124)

=.50

2nd

yr=20/ (20+83)

=.19

3rd

yr= 10/ (10+146)

=.06

Times interest earned ratio= EBIT/ interest

1st yr =.12/.03

= 4

2nd

yr = .24/.08

=3

3rd

yr = .39/.09

=4.33

Cash coverage ratio= (EBIT + depreciation)/ interest

1st yr =. (12+0)/.03

= 4

2nd

yr = (.24+0)/.08

=3

3rd

yr = (.39+0/.09

=4.33

3. Asset Management or Turnover Measurement:

Inventory turnover= cost of goods sold / inventory

1st yr= 1004/122

=8.2 times

2nd

yr =1031/ 97

=10.63 times

3rd

yr= 1071/ 102

= 10.5 times

Day’s sales inventory= 365 days/ inventory turnover

1st yr = 365/8.2

=45 days

2nd

yr= 365/ 10.63

=34 days

3rd

yr= 365/ 10.5

= 35 days

NWC turnover = sales/ NWC

1st yr= 1304/1230

=1.06

2nd

yr=1357/1305

=1.03

3rd

yr= 1428/1405

=1.02

Fixed asset turnover = sales/ net fixed asset

1st yr= 1304/80

=16.3

2nd

yr= 1031/ 80

=12.88

3rd

yr= 1428/80

=17.85

Total asset turnover= sales / total asset

1st yr= 1304/ 325

=4.01

2nd

yr = 1357/ 329

= 4.12

3rd

yr = 1428/ 374

=3.82

4. Profitability Measures:

Profit margin= net income / sales

1st

yr = 25/ 1304

=.02

2nd

yr= 46/1357

=.03

3rd

yr = 150/ 1428

= .10

Return on asset= net income/ total asset

= 25/325]

= .08 or 80%

2nd yr= 46/ 329

= .14 or 14%

3rd yr= 150/ 374

=40%

Retun on equity = net incom/ total equity

1st yr = 25/ 124

=.20 or 20%

2nd yr= 46/83

=.55 or 55%

3rd yr = 120/ 147

= .82 or 82%

J. Business Financial History:

We 7 friends met together 5 years ago. We studied together in the Dhaka University and joined

in different companies after the completion of BBA and MBA from there. We all live in Dhaka

except 3 of us came from rural areas to Dhaka city for studying. One of our friends lived in

America working in a multinational company there. He made a huge amount of capital and

resources. He had a desire to do something in Bangladesh. In this regard, he contacted with us

and we agreed on his proposal. Meanwhile, the rest 6 friends of us gathered a lot of capital to

bear our huge initial expenditure. Initially, we will start at Uttara & we shall remain within

Dhaka initially to support our financial background. After a year, when we were mentally and

financially ready to start our very first Superstore, we 7 friends gathered together and took the

initiative. Then we planned to open a corporate office and 1 superstore outlet in Uttara with huge

demand. This is how we get started with our business.

Part: 4 Supporting Documents

A. Personal Résumés:

A few personal resumes of the managers employed are given with details as the following:

Résumé

Moben Ahmed

Address: 18/A, Azimpur Road, Azimpur, Dhaka-1205

Contact: 01920196405, E-mail: ms.du.mkt@gmail.com

Objective

To be successful in every sphere of professional life and become a corporate leader.

Education

Year Degree Institution

1991 SSC H.A. School Dhaka

1993 HSC Dhaka City College

1999 BBA Dhaka University

2000 MBA Dhaka University

Work Experience

2001-2010, CEO, Lanka Bangla Bank Ltd, Dhaka Bank, Banani Branch

Volunteer Work

1997, Marketing Club, Department of Marketing, University of Dhaka

Languages

Official Bengali and English.

Interests and Activities

Travelling

Hobbies

Cricket, Football, Games, Watching Television, Listening to Songs

Computer Skills

Basic Ms. Office, Graphics and Internet

Résumé

Chowdhury Omor Faruque

Address: 18/A, Azimpur Road, Azimpur, Dhaka-1205

Phone: 01674135338, E-mail:omor173@yahoo.com

Objective

To be successful in every sphere of professional life and become a corporate leader.

Education

Year Degree Institution

1991 Dakhil Khilpara Darul Ulim

Alim Madrasha

1993 Alim Jamea Quasemia

1999 BBA Dhaka University

2000 MBA Dhaka University

Work Experience

2001-2010, Head of Marketing

Dhaka Bank

Banani Branch

Volunteer Work

1997, Marketing Club, Department of Marketing, University of Dhaka

Languages

Official Bengali and English.

Interests and Activities

Travelling

Hobbies

Cricket, Football, Games, Watching Television, Listening to Songs

Computer Skills

Basic Ms. Office, Graphics and Internet

Résumé

Md. Abdur Rakib

Address: 142/2, Adarshapolly, Ibrahimpur, Dhaka-1206

Phone: 01824022993, E-Mail: rakibrashed@gmail.com

Objective

To be successful in every sphere of professional life and become a corporate leader.

Education

Year Degree Institution

1992 SSC B.N. College Dhaka

1994 HSC Dhaka City College

2000 BBA Dhaka University

2001 MBA Dhaka University

Work Experience

2001-2010, Head of Administration, Standard Chartered Bank, Gulshan-1 Branch

Volunteer Work

1997, Marketing Club, Department of Marketing, University of Dhaka

Languages

Official Bengali and English.

Interests and Activities

Place your text here. Delete this text and heading if you don’t need them.

Hobbies

Cricket, Football, Games, Watching Television, Listening to Songs

Computer Skills

Basic Ms. Office, Graphics and Internet

Résumé

Md. Al Amin

Address: 4/5, Mayakanon, Dhaka-1214

Phone: 01921059571, E-mail: duamin_mkt@yahoo.com

Objective

To be successful in every sphere of professional life and become a corporate leader.

Education

Year Degree Institution

1992 SSC B.N. College Dhaka

1994 HSC Notre Dame College

2000 BBA Dhaka University

2001 MBA Dhaka University

Work Experience

2001-2010, Head of Administration, Standard Chartered Bank, Gulshan-1 Branch

Volunteer Work

1997, Marketing Club, Department of Marketing, University of Dhaka

Languages

Official Bengali and English.

Interests and Activities

Debating, Writing

Hobbies

Cricket, Football, Games, Watching Television, Listening to Songs

Computer Skills

Basic Ms. Office, Graphics and Internet

B. Owners’ Financial Statements:

No Name Amount Contributed (Million tk.)

1 Md. Moben Ahmed 50

2 Chowdhury Omor Faruque 25

3 Mohammed Saiful Islam Masud 25

4 Md. Al Amin 25

5 Rumana 25

6 Md. Abdur Rakib 25

7 Anjuman Ara 25

Total= 200

C. Credit Reports:

We have received credit of 400 million tk. From various sources. These are Phoenix

Finance, BSRS, Bangladesh Development Bank, IDLC, Lanka Bangla Finance, Prime

Finance Companies. We will require 250 million more to be invested.

No. Name of the Creditor Organization Loan Amount (million tk.)

1 Phoenix Finance 30

2 BSRS 120

3 Bangladesh Development Bank 40

4 IDLC 100

5 Lanka Bangla Finance 50

6 Prime Finance Companies 60

Total= 400

Bank Credit Report: A sample of bank loan contract is given below:

BANK LOAN CONTRACT

(For Medium or Short Term Working Capital Loan)

Loan No.: 6-031

Borrower: “UNISTORE”

Address: 19/1, Shanti Nagar, Dhaka-1213

Lender: Bangladesh Development Bank

Address: 58/c, Dilkusha Commercial Area, Dhaka-1200

According to applicable laws and regulations of the People’s Republic of Bangladesh, the

Borrower and Lender, after reaching an agreement through negotiations, hereby enter into this

contract pursuant to Borrower's application to Lender for a working capital loan (the "Loan")

Article 1. The Loan

1.1. Type of currency: Taka

1.2. Loan amount (full-form characters): One hundred million taka exactly. The actual principal

borrowed by Borrower shall be the number written on the financial voucher issued by Lender.

1.3. Loan term: March 13, 2013 to June 20, 2020

1.4. The Loan under this Loan Contract shall be solely for industrial/business use. Borrower shall

not divert the funds under this Loan Contract to any other purpose.

Article 2. Interest Rate and Interest Calculation

2.1. Interest rate: 4%, based on 30 days in a month and 360 days in a year.

2.2. During the term of this Loan Contract, interest may be changed as prescribed by the People's

Bank of China when said Bank adjusts its interest rate or rate calculation method, in which case

Borrower’s approval is not necessary.

2.3. The formula for calculating the interest is as follows: Interest on the loan = (the prescribed

interest rate under this Loan Contract) x (Loan amount) x (actual days of use), where actual days

of use are calculated from the day the Loan is issued.

2.4. Settlement of interest under this Loan Contract is to be calculated per month. The settlement

date is the 20th day of each month. All principal and interest shall be paid in full on the day the

term of the Loan expires.

Article 3. Release of funds under the Loan

3.1. Borrower may apply for release of funds under the Loan Contract, at one time or at different

times, within the fixed period, under Article 1.3 hereof. However, each time Borrower must

make the application to Lender at least 3 banking days in advance.

3.2. Lender shall have the right to examine the following issues before releasing funds under the

Loan and shall decide whether to release funds based on results of the examination:

(1) Whether Borrower has performed all legally-required procedures such as obtaining

government licenses, approvals and registration and other procedures Lender may require of

Borrower.

(2) Whether a related guaranty contract is currently in effect.

3.3. Lender shall release funds at one time or at different times to Borrower according to the

Loan Voucher; and

3.4. The funds release date and amount shall be as recorded in the Loan Voucher.

Article 4. Repayment of the Loan:

4.1. The date of repayment of principal under this Loan Contract shall be as recorded in the Loan

Voucher.

4.2. Borrower shall repay the principal and interest under this Loan Contract in full on the due

date.

4.3. Borrower hereby irrevocably authorizes Lender, on the Lender's own initiative, to withdraw

funds from Borrower's deposit account with the Bank of Communications.

4.4. Borrower shall repay principal and interest in the currency provided in Article 1.1 above.

4.5. Borrower may repay the Loan in advance upon approval from Lender. Lender has the right

to collect the interest for the period between the date of the prepayment and the date of

repayment recorded in the Loan Voucher at the rate specified in this Loan Contract.

Article 5. Borrower's Declaration and Warranties

5.1. Borrower accepts and shall abide by Lender's business system, operational practices, and the

procedures under this Loan Contract.

5.2. Borrower warrants that it will cooperate with Lender on the supervision and inspection of

the use of the funds borrowed under this Loan Contract and of the business condition of

Borrower and that it will promptly provide all financial statements and related materials needed

by Lender, which Borrower warrants to be true, complete and accurate.

5.3. Borrower warrants that it will issue written notices to Lender upon occurrence or possible

occurrence of the following events within seven days thereof:

(1) Borrower's operational system or organizational form of property ownership is changed

materially, including, but not limited to, introducing the practice of contracting, conducting

leasing operations, entering into joint operations, restructuring equity, merging with

(acquiring) other entities, entering into a joint venture (cooperative arrangement), splitting into

separate entities, setting up a subsidiary, transferring title to property, reducing capital,

termination or dissolution and filing for bankruptcy;

(2) Borrower amends it articles of association, replaces its legal representative, reduces its

registered capital or makes material changes in its finances or personnel;

(3) Borrower sells, leases, transfers or otherwise disposes of all or part of its assets;

(4) Borrower provides a guaranty to a third party, which will have a material adverse effect

on its financial position or its ability to perform its obligations under this Loan Contract;

(5) Borrower is a party to a material legal suit or its main assets have been put under

property preservation or other orders;

(6) The financial position of Borrower has undergone a material change or the value of

collateral has been markedly reduced; and

(7) Borrower experiences other matters which will produce a material adverse effect on its

financial position or ability to repay its debt.

Article 6. Default Liability:

6.1. Lender will impose penalty interest and compounded interest according to the regulations of

the People's Bank of China in the event that Borrower has not fully repaid the principal or

interest under the Loan Contract in a timely manner, or fails to use the Loan's funds as provided

by this Loan Contract. The default interest rate for a foreign exchange loan shall be_____ over

and above the original interest rate.

6.2. For the recovery of the principal, interest, penalty interest, compounded interest and other

fees unpaid by Borrower, Borrower hereby irrevocably authorizes Lender to withdraw funds

from its account with the Bank of Communications.

Date of Signature: 13th March, 2013 eng.

Other Credit Reports:

We have contracted with the following organizations:

No. Name of Organization Types of Contract

1 Standard Chartered Bank Ltd. Credit card discount contract

2 BRAC Bank Ltd. Credit card discount contract

3 AB Firm Ltd. Consumer Supplier Contract

D. Copies of Leases, Mortgages, Purchase Agreements, etc.:

We have got lease and purchase agreements with a few leasing companies and suppliers. We

have prepared documents regarding these types of agreements. These are very much confidential

to our business. A sample of a lease agreement is given below:

Residential Rental / Lease Agreement:

Parties: Landlord: Bangladesh Govt.

Tenant(S): UNISTORE

Property Address: Shree Nagar, Gazipur

1. RENTAL AMOUNT: Commencing 13th

March, 2013 UNISTORE agrees to pay Bangladesh

Govt. the sum of 2 million tk. per month in advance on the last day of each calendar month. Said

rental payment shall be delivered by TENANT to LANDLORD or his designated agent to the

following location:

Rent must be actually received by LANDLORD, or designated agent, in order to be considered

in compliance with the terms of this agreement.

2. TERM: The premises are leased on the following lease term: From 2013 to 2020.

3. SECURITY DEPOSITS: TENANT shall deposit with landlord the sum of Tk. 5000000 as a

security deposit to secure TENANT'S faithful performance of the terms of this lease. The

security deposit shall not exceed two times the monthly rent. After all the TENANTS have

vacated, leaving the premises vacant, the LANDLORD may use the security deposit for the

cleaning of the premises, any unusual wear and tear to the premises or common areas, and any

rent or other amounts owed pursuant to the lease agreement.

TENANT may not use said deposit for rent owed during the term of the lease. Within 21 days of

the TENANT vacating the premises, LANDLORD shall furnish TENANT a written statement

indicating any amounts deducted from the security deposit and returning the balance to the

TENANT. If TENANT fails to furnish a forwarding address to LANDLORD, then LANDLORD

shall send said statement and any security deposit refund to the leased premises.

4. INITIAL PAYMENT: TENANT shall pay the first month rent of 500000and the security

deposit in the amount of Tk100000for a total of 500000. Said payment shall be made in the form

of cash or cashier's check and is all due prior to occupancy.

5. OCCUPANTS: The premises shall not be occupied by any person other than those designated

above as TENANT with the exception of the following named persons:

If LANDLORD, with written consent, allows for additional persons to occupy the premises, the

rent shall be increased by $100 for each such person. Any person staying 14 days cumulative or

longer, without the LANDLORD'S written consent, shall be considered as occupying the

premises in violation of this agreement.

6. SUBLETTING OR ASSIGNING: TENANT agrees not to assign or sublet the premises, or

any part thereof, without first obtaining written permission from LANDLORD.

No representation is made as to the legal validity or adequacy of this agreement. If you desire,

consult with an attorney before entering this agreement.

E. Letters of Reference:

A sample of a letter of reference made by Rumana forwarded to Md. Abdur Rakib is given as the

following:

Prospective Employer,

I have come to know about Md. Abdur Rakib graduate through his work experience with our

firm during the past summer, when he served as an Auditor Intern in our Dhaka office.

Rakib became immediately involved in the annual audit of Zephyr Megalithic, conducting much

of the accounting research required for the audit. In addition to gathering the financial

information, Tracy was instrumental in the development of the final certification report. Tracy

also participated in several other smaller audits, including her instrumental role in the quarterly

audit of One Bank, where she developed several Excel macros to audit the inputs. She later

further developed these macros for use in future audits, which we have integrated into our

Auditors Toolkit.

Tracy has shown the kind of initiative which is necessary to be successful over the long-term in

the public accounting field. She has excellent forensic accounting skills, yet remains focused on

the overall needs of the client. I believe she will be a strong Auditor and has an excellent future

in the public accounting field. She is a conscientious worker and has an excellent work ethic. We

would gladly have hired Tracy upon graduation if she were open to working in the Dhaka City

area.

I recommend Abdur Rakib to you without reservation. If you have any further questions with

regard to her background or qualifications, please do not hesitate to call me.

Sincerely,

Rumana

Rumana

Partner-in-Charge

F. Contracts:

We have completed Contracts with the following Bank and organization:

No. Name of Organization Types of Contract

1 Standard Chartered Bank Ltd. Credit card discount contract

2 BRAC Bank Ltd. Credit card discount contract

3 AB Firm Ltd. Consumer Supplier Contract

Besides this we will make a few other contracts too.

G. Other Legal Documents:

General Partnership Contract:

General Partnership Agreement

For

UNISTORE

Article 1. Definitions

Section 1.01. The below terms are to have the following meaning when used in this agreement:

a. "Agreement" shall mean this General Partnership Agreement, as amended from time to time.

"Capital Account" shall mean the account established for each Partner on the books of the

Partnership, reflecting such Partner's capital contribution, plus such Partner's share of Partnership

profits, less such Partner's share of Partnership losses, less any distributions by the Partnership to

such Partner.

b. "Partners" shall initially refer to Joe and Bob . This list of persons who are Partners of this

Partnership may, in the future, be amended in accordance with the provisions of this Agreement.

c. "Partnership interest" shall mean all of a Partner's rights possessed or accruing to a Partner

under this Agreement including (but not limited to) his or her capital account, rights in the profits

of the Partnership, and voting rights but not including any rights said Partner may possess as a

lender to the Partnership under any loan agreement entered into between the Partner and the

Partnership.

d. "Vote of the Partners" shall mean one based upon each partner having one vote with each

vote having equal weight. Unless stated elsewhere in the agreement, a Majority Vote of the

Partners is required for passage of any matter before the partners for consideration.

e. "Majority Vote of the Partners" shall mean a block of votes of the partners collectively

constituting more than fifty (50) percent of the eligible partner votes (whether or not said votes

are actually cast).

f. "Supermajority Vote of the Partners" shall mean a block of votes of the partners

collectively constituting more than sixty−six (66) percent of the eligible partner votes (whether

or not said votes are actually cast).

Article 2. Purpose / Prefatory Information

Section 2.01. Name of Partnership. The name of the Partnership shall be UNISTORE

Partnership Agreement, a partnership organized under the laws of People’s Republic of

Bangladesh. The laws of the State of California shall control the operation and interpretation of

this agreement.

Section 2.02. Purpose of Partnership. The Partnership shall engage in the following business:

Sell T-shirts at rock concerts. The Partnership may also engage in any activities that are related,

complimentary or incidental to this business purpose.

Section 2.03. Duration. This partnership is an "at−will" partnership that does not have a definite

term.

Section 2.04. Principal Place of Business. The principal place of business of the partnership shall

be in a location to be determined by a Vote of the Partners.

Article 3. The Partners

Section 3.01. The initial Partners of the Partnership and their required initial capital

contributions are as the following examples:

Partner Name Initial Capital Contribution

Joe $ 100

Bob $ 100

Section 3.02. Admission of new Partners. Unless prohibited elsewhere in this Agreement,

additional Partners may be admitted upon a Supermajority Vote of the Partners. Admission of

new Partners shall not constitute an event of dissolution of this partnership. Furthermore,

admission of any new Partner shall be contingent upon the prospective new Partner agreeing to,

and executing, this partnership agreement (as modified at the time of admission).

Section 3.03. Actions by the Partners; Meetings; Quorum. The Partners may take any action

requiring a vote of the partners through a meeting in person, by proxy, or without a meeting by

written resolution in accordance with this Section. Meetings of Partners may be conducted in

person or by telephone conference.

a. To be effective, a partner resolution shall require the signature and assent of the same

percentage or number of Partners as that required had the action which is the subject of the

resolution been voted upon in a meeting of the Partners.

b. A voting proxy given by a Partner to another person must be in writing. In no instance

where action is authorized by written resolution shall it be required that a meeting of Partners is

called or prior notice of the action be given; however, upon passage, a copy of the resolution of

the Partners shall be sent promptly to all Partners and filed with the partnership records.

c. A meetings of Partners may be called by any Partner, or Partners, individually or

collectively holding a 25% or more interest in the profits of the Partnership. When a meeting of

the Partners has been called, seven (7) days advance written notice shall be given to all Partners.

Notice of a meeting called for hereunder may be made by standard U.S. mail, electronic mail, or

facsimile transmission and shall contain the time, place, and purpose of such meeting. A quorum

for any action to be taken at a meeting of Partners shall be present (in person, via telephone, or

by proxy) shall be Partners collectively holding more than 60% of the outstanding votes of the

Partnership. Any Partner may through a written instrument waive the right to receive prior notice

of a meeting of the Partners as described herein.

Section 3.04. Partners who are not individuals. Each Partner who is an artificial entity or

otherwise not an individual hereby represents and warrants to the Partnership (and all other

Partners) that such Partner is:

(a) Duly incorporated or formed (as the case may be), (b) validly existing and in good standing

under the laws of the jurisdiction of its incorporation or formation, and (c) has full power and

authority to execute this Agreement and to perform its obligations hereunder.

Section 3.05. Access to Books and Records of the Partnership. Each partner shall have the right

personally, or through designation of an agent, to inspect and review the books and records of the

partnership during normal business hours. Upon the written demand by a Partner to inspect and

review the books and records of the partnership made to the custodian of said books and records,

the partnership shall make said books and records available for inspection and review within five

(5) business days of receipt of the written demand.

Section 3.06. Nothing in this Agreement shall prevent a Partner from loaning money to the

Partnership on a promissory note or similar evidence of indebtedness for a reasonable rate of

interest. Any Partner investing money shall have the same rights & risks regarding the loan as

would any person or entity making the loan who was not a member of the Partnership.

Section 3.07. Transaction of Business with Partnership. A Partner may transact other business

with the Partnership. If any Partner transacts business with the Partnership, that Partner shall

have the same rights and obligations with respect thereto as a person who is not a Partner. Any

Partner who has a financial interest involved in any transaction with the Partnership, shall

disclose such financial interest to all Partners by use of a written report given to all Partners,

indicating all relevant facts of such financial interest involved. A copy of such report shall be

maintained in the Partnership records.

Section 3.08. Tax Matters Partner. Joe is hereby designated as the Partnership's "Tax Matters

Partner" under Section 6231(a)(7) of the Internal Revenue Code of 1986, as amended (the

"Code"), and shall have all the powers and responsibilities of such position as provided in the

Code and the Treasury Regulations there under.

The Partnership may remove or replace the Tax Matters Partner by a vote of the partners.

Article 4. Management Of Partnership Affairs

Section 4.01. Ordinary Business Activities of the Partnership. All Partners of the Partnership

shall share in management of the Ordinary Business Activities of the Partnership; however, all

activities of the Partnership that are outside of the Ordinary Business Activities of the

Partnership shall be conducted only through a Vote of the Partners and not through the action of

a single Partner acting individually. "Ordinary Business Activities of the Partnership" shall mean

the normal day−to−day business activities of the Partnership and exclude activities involving

decisions that could potentially have a substantial current or future impact upon Partnership

assets, debts, income, or expenses.

Section 4.02. Regardless of whether or not they shall be considered outside the "Ordinary

Business Activities of the Partnership", the following activities of the Partnership shall be

conducted only through a Vote of the Partners and not through the action of a single Partner

acting individually:

a. The hiring or firing of Partnership employees;

b. Incurrence of any expense in excess of 10000;

c. Purchase of any asset or inventory with a value in excess of 10000;

d. Entering into any lease with annual payments in excess of 10000;

e. Entering into any loan agreement or debt to or from the Partnership in excess of 10000; and

f. Entering into any contract with a monetary value in excess of 10000.

H. Miscellaneous Documents:

Cost Analysis Document: Here are a few comparisons of consumer items in the market.

Name of Food Items Average Price Price of UNISTORE

Beef 280 275

Chicken (Broiler) 220 217

Egg (Dozen) 84 82

Rice 44 42

Onion 35 32

Chilli 80 80

Sugar 56 56

Location Plan: We have planned our location in such a way that we can capture the most

number of customers. The location plan for our 3 outlets and 1 corporate office is as

follows:

No. Particulars Address Projected Cost

tk.(Yearly)

1 Corporate Office 32/2-A Shantinagor, Dhaka 20,00000

2 Outlet Road No-05, House# 9, Block- C, Uttara,

Dhaka-1202

18,00000

I. Poster Ad of UNISTORE:

J. Presentation Slides:

References:

www.google.com

www.walmart.com

www.yahoo.com

www.wikipedia.org

Corporate Financial Management by Hisrich

Introduction to Business by Skinner

Principles of Marketing by Philip Kotler & Gary Armstrong

Principles of Accounting by Kieso & Kimmel