jm capital business plan

Strategic & Tactical Business Plan___________________________________________

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JM Capital

SSttrraatteeggiicc && TTaaccttiiccaall BBuussiinneessss PPllaann

FFoorr

JJMM CCaappiittaall

Planned location: Vienna Stock exchange building.

Vienna, Austria.


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JM Capital

EEXXEECCUUTTIIVVEE SSUUMMMMAARRYY

There is an opportunity in Vienna, Austria to establish an innovative successful offshore

investment banking operation. This will not be a savings bank but an investment bank.

Jussi Myllymaa recognizes this opportunity and has decided to go forward with his new

project named JM Capital. The investment bank will penetrate the market in the business

of operating an offshore investment banking system that provides a superior level of

service designed to exceed the return expectations of clients. He also recognizes the

opportunities for offering a consistent larger return on investments for those clients

willing to invest.. The bank will specialize in developing highly personalized services

based on a foundation of trust, shared values and the ability to identify profitable

investment opportunities while implementing proactive strategies in a timely and efficient

manner.

Understanding Why This Bank Will Be So Unique:

The idea of a secure offshore bank comes up when Swiss banks starting to close down

US Offshore clients accounts. Studying the International Banking law, I find solution for

the problem. It is possible to offer secure offshore banking any were in the World! Swiss

banks closed down US Accounts for more than 50 Billion USD. Totally there is more

than 200 Billion USD out there searching for a secure offshore heaven. We are happy to

get 0.5% of this to start with!

There has for years been a big need of a secure off-shore bank that can guarantee clients

funds transparency. Many organizations closed down various off-shore havens. This

make a big gap in the market. JM Capital can guarantee the off-shore security of each

clients accounts. JM Capital search for 25 Mio €uro, that will go to purchase other

existing operative small banks in strategically locations. With this banks in strategically

locations JM Capital can guarantee 100% off-shore safety. Each client will be registrated

in a country that is best for the client. A country that do not have OECD transparency

agreement with client’s country. All clients will officially be in a cloud. This cloud is

easy and fast to manage. Each change, and client will automatically be changed to other

more favor country. Client never needs to worry about any transparency agreements, or

organizations that want to see if he is a client, how much money he has, what interest rate

he has.

Other main thing is our service concept.

With this project we believe the time is over for people to lose time and money to go to a

bank. One of our commercial will be: Do you need to go to your bank? It’s raining and

hard wind. You get to the bank area in your car, were to find a parking place? Time is

running, now is the time for the meeting with the bank. Finally a place. You buy a ticket

for one hour. You run in the rain to the office. At the office is someone before you. You

need to wait.. Finally you get in….

Now back to the car, still raining. You have past the parking time. You get to you car,

and see the towing car hocking up your car.

What was your experience of the bank visit?


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JM Capital

JM Capital Banks local representative, who speak your languages, share your culture, and

comes when and where you want:

You call the representative, and book a time with him at your office. Representative

comes in time. You are little bit late because of earlier meeting. But the representative is

waiting. You invite the representative, and do your banking needs. When all is done,

Representative is very happy, and leaves you for now.

What was your experience of the banking this time?

All representatives will be background checked and tested for the work. All

representatives will when they passed the test receive an education for the work. And

finally they will go through training and final tests for the work. We will educate 4

continental leaders. They will then educate the country leaders. First we concentrate us

on Target countries and financial centers, like New York, USA. Shanghai, China.

London, UK. Frankfurt, Germany. Barcelona, Spain. Dubai, UAE, Sydney, Australia. In

these countries and more, we will have country leaders that will build up the

representative organization.

This will be one of the keys to success!!

Additional Services Offered By This Investment Bank:

International Off-shore Business Banking

Off-shore funds.

Fund management

Fast credits.

Commercial mortgages (only with +100 guarantees)

LC

BG

POF

CD

Jumbo CD

Exceptional Growth Will Yield Dramatic Investment Opportunities:

All area representatives will be on a generous but straight commission basis. Their

primary function will be finding and assisting substantial clients. This direct marketing

approach is ideally suited to an off shore investment banking operation. The first year

goes to build up the organization and the clients care, as well purchase of the financial

institutions and banks in strategically important locations. Second year goes to build up

representative network with continental leaders and country leaders. Client care will be

improved, and the investment platform will be operative and accessible for clients. Will

also concentrate on JM Capital image on the market. Third year build up representative


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JM Capital

network for institutional clients and companies. Improve the investment technology,

improve the representative service. Representatives will be at all worlds most important

financial centers, about 25 locations in the world. Look always at the possibility to

purchase other financial institutions around the world.

The founder operated a company mid 90s when he started from scratch and built

it up in 3 months to a company generating 50 000 € per month in revenue.. The

bank will operate worldwide through its worldwide representative network, and

office locations. The Bank worldwide HQ is going to be in Vienna, Austria. The

bank will hire the best managers on the market for to operate the bank.

JM Capital will serve its area of business working to make its lines more productive

while at the same time controlling expenses. The money required getting the company

organized has to be provided by the investor. To bring this company to the next level,

there will be an amount needed of 25 000 000 €uro in operating capital, which will come

as equity participation from an investor with an appreciation for a long term investment

relationship. The 25 000 000 € is the complete amount needed to open and operate this

business. The money will be allocated to take care of all the requirements. There will be

various purchases of financial institutions and operative small banks in strategically

locations around the world. Build up a worldwide network of representatives. Office and

IT equipments and technology for to operating the banks.

This business is based on two vital components:

1. Excellent management that has a mastery of choosing the right product and the right

service at the right time with a mastery of knowing what its total market is and how to

keep gaining a greater share of that market.

2. Providing an excellent product or service that is not only well accepted now but also

whose acceptance and use will continue to grow at an accelerated rate into the future.

JM Capital will coordinate worker productivity with increasing market demand to ensure

continued company growth and development.

Its approach emphasizes the individual participation of every employee and member of

this organization and the total process of building the company to acquire an ever-

increasing market share. By guiding and helping employees with knowledge and

awareness, it will build a solid foundation for achieving its most ambitious goals. JM

Capital realizes that this is an ideal time to establish its business in this expanding


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JM Capital

industry and move forward in a steady progression over the next five years. Some of the

highlights of its strategy are here briefly summarized:

JM Capital has talent and experience that is superior for the marketplace.

Profitability is assured by its preparation of knowing what the market

requirements are presently and what the market requirements are to be in the next

several years.

With its strategy and budget in place, sales are expected to multiply rapidly and

the company expects to move in on the leaders in the industry.

OOBBJJEECCTTIIVVEESS

JM Capital has definite objectives in order to fulfill its desire to participate and achieve

an ever-growing market share of the exciting industry that it is entering. What follows is

a brief summary of the key objectives of JM Capital:

1. Penetrate the market in the business of establishing an unique offshore banking

system.

2. Develop employee capabilities to ensure a strong foundation for participation in a

rapidly growing company.

MMIISSSSIIOONN SSTTAATTEEMMEENNTT

JM Capital is a company that will strive to excel in the business of operating an offshore

banking system that provides a superior level of service designed to exceed the

expectations of clients. What makes JM Capital different and special is that giving

personal representative service at clients home or business, 24/7 Multilanguage’s client

service by phone, secure offshore banking.

KKEEYYSS TTOO SSUUCCCCEESSSS

JM Capital is confident of the following attributes that it demonstrates as keys to its

success:

1. Founder’s ability to recognize and define the best course of action

2. The consistent raising of productivity

3. Diligent effort to regularly lower overall cost

4. Recruitment of experienced and talented employees

5. Ability to effectively market what JM Capital provides


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JM Capital

CCOOMMPPAANNYY SSUUMMMMAARRYY

JM Capital will begin its operation in soon as possible. The inspiration for the company

was the realization that there is a need for a company that can provide highly

personalized services based on a foundation of trust, shared values and the ability to

identify profitable investment opportunities and implement proactive strategies in a

timely and efficient manner. The company will be headquartered on Vienna, Austria. Its

operations will expand internationally.

CCOOMMPPAANNYY OOWWNNEERRSSHHIIPP

JM Capital will be set up as a Corporation. The ownership is held by J M, and future

investor.

CCOOMMPPAANNYY HHIISSTTOORRYY

JM Capital is proud of the accomplishments of the people that have made up this

company. JM Capital is particularly proud of the fact that we are able to serve our clients

anywhere – in their homes, at their office or anywhere they choose to do business. The

company is also particularly proud of the fact that we possess a dedicated management

team that demonstrates honesty, integrity and professionalism in all aspects of operations.

SSTTAARRTT--UUPP SSUUMMMMAARRYY

The basic organization of JM Capital is due to the dedication of the founder of the

company. The money required getting the company organized and underway has been

provided by the investor of the company. To bring the company to the next level there

will be an amount needed of 25 000 000 € which will come as equity participation from

an investor with an appreciation for a long term investment relationship. The money will

be allocated to take care of all the requirements.

CCOOMMPPAANNYY LLOOCCAATTIIOONNSS AANNDD PPRREEMMIISSEESS

JM Capital will maintain its headquarters where its management staff will be located in

Vienna, Austria At no time will management allow a situation to exist where the

company is supporting locations or premises that are not absolutely essential to the most

effective operation of the company.


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JM Capital

PPRROODDUUCCTT DDEESSCCRRIIPPTTIIOONN

JM Capital is proud of its main product line and the features and benefits that make up its

attractiveness to this ever-growing market. The main features and benefits of its core

products to its customers include that we will establish a secure offshore banking system

with a unique personal service concept. As an International Business Bank one of the

main services will be to help clients to close business deals. With our future local

representative network we will get local help for our clients anywhere in the world.

Experience tell that many times local & international banks cannot help close down a

local deal because of many circumstances. Usually depend of small things like a LC or

BG for the client to close down the deal.

SSEERRVVIICCEE DDEESSCCRRIIPPTTIIOONN

JM Capital is proud of its main service line and the features and benefits that make up its

attractiveness to this ever-growing market. The main features and benefits of its main

service to its customers include that we provide a superior level of service designed to

exceed the expectations of our customers. Some of the strengths and capabilities of its

main service as it pertains to potential market, ease of administration and availability

include that we offer a courteous and knowledgeable staff of well trained personnel

dedicated to providing exceptional customer service. All our local representatives have

earlier experience of bank or financial institution work. Our service platform will be

much larger than only local representative services. We will have 24/7 telephone banking

services, Internet banking services, Client services. And our VIP department will always

Be open for VIP clients in all our offices.

CCOOMMPPEETTIITTIIVVEE CCOOMMPPAARRIISSOONN

JM Capital has done extensive research and investigation of all of the aspects of the

competitiveness of the existing market in which it will be participating. JM Capital

management team is fully aware of the major competitors who are:

UBS

Credit Suisse

RBS

JM Capital recognizes these major competitors as a prime focus because they have been

evaluated using criteria of price and value given. This company specifically knows that

the advantages that it has over its competition include that JM Capital provides a


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JM Capital

significantly large return on investment. The bank will specialize in developing highly

personalized services based on a foundation of trust, shared values and the ability to

identify profitable investment opportunities and implement proactive strategies in a

timely and efficient manner, together with a unique secure offshore banking system. This

study of its competition has given the company a mastery of the effects of regulatory

agencies, business share, pricing strategies, cut-throat or permissive posturing, as well as

strengths and weaknesses of the management teams who head up the companies that

make up the competition.

SSOOUURRCCIINNGG AANNDD FFUULLFFIILLLLMMEENNTT

JM Capital is totally prepared in the preparation for ease and completion of fulfillment

requirements. All aspects of fulfillment have been considered, evaluated and highlighted

for the purpose of assuring both customers and pertinent employees that fulfillment will

never be a major concern.

TTEECCHHNNOOLLOOGGYY

JM Capital has positioned itself in a way to take full advantage of all the technology

available for its particular industry. Management has determined that when necessary that

state of the art software and appropriate hardware will be implemented to assist all

employees in gaining maximum productivity. In particular, the company will be utilizing

accounting procedures both off-line and online to monitor weekly, monthly, quarterly and

annual results of all aspects of operations. JM Capital will always use the latest and most

productive technology, but with the main concentration on the individual and banks

security.

FFUUTTUURREE PPRROODDUUCCTTSS AANNDD FFUUTTUURREE SSEERRVVIICCEESS

JM Capital is currently using its experience and talent to position itself in future markets

with the appropriate future products and future services. Its current product and service

lines, which include operating an offshore banking service that provides a superior level

of service, are sufficient in today’s demanding market and will fare very well in future

years as well. In addition to this, the company is developing enhancements as well as

creating new products and services to keep its position in the marketplace ever

expanding. The International Business Bank will grow in to new technologies, new

countries. The local representative network will grow all over the world. Future plan is to

be a strong international business bank in China, India, Mena area, and Latin America.


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JM Capital

MMAARRKKEETT AANNAALLYYSSIISS SSUUMMMMAARRYY

JM Capital has done an exhaustive study of the state of its industry. This industry is one

of the most exciting industries in the World. It presents an ever increasing market, a very

healthy bottom line, and excellent opportunities for growth. The outside world demands

an offshore banking operation with persistent personnel who provide accurate and

reliable research to identify the safest and most profitable investment opportunities. JM

Capital has all this to offer and its management team will keep its finger on the pulse of

market demands. This industry is filling the needs of the consumer by helping people

manage their investments accordingly while circumventing costly taxation rules without

breaking the law. This is why JM Capital fits perfectly for meeting the demands of its

industry. The time and opportunity is now: Clients searching like never before after a

bank that do not have today’s banks problems with bad investments & credits. Also

clients want to get away from today’s tax raises and find better taxation solution.

MMAARRKKEETT SSEEGGMMEENNTTAATTIIOONN

JM Capital is very much aware of the importance of market analysis as it pertains to

market segmentation. At the current time management feels that in relationship to market

segmentation the market for JM Capital is very large and growing.

The reason for this conclusion in reference to market segmentation is after careful study

of its current and potential customer base. The company strongly feels that the market

requires an offshore banking operation with persistent personnel who provide accurate

and reliable research to identify the safest and most profitable investment opportunities.

By offering an experienced management team who possess the knowledge and awareness

to identify profitable investment opportunities and implement proactive strategies in a

timely and efficient manner, JM Capital should be able to capture its market.

TTAARRGGEETT MMAARRKKEETT AANNDD SSEEGGMMEENNTT SSTTRRAATTEEGGYY

JM Capital aims to understand each and every reason why a consumer buys a particular

product or service. In its total analysis there is a study of everything that affects a

person’s behavior, their cultural background, their economic status, their educational

background, as well as any and all factors that relate to their behavior. JM Capital also

considers that people overcome and change certain aspects of their background and as a

result develop a different behavior. The company not only seeks to become experts on

why customers buy but also what makes them buy now. JM Capital strives to target that

segment of the market that is in the ideal position to need its service, afford its service,

and be in a position to act on buying its service immediately. This company is always

able to determine these results from such sources as existing customers, suppliers,

bankers, trade groups, chamber of commerce, and industry trade journals.

Much thanks to our local representatives we will get the local knowledge of the market.

Each representative will also map each client’s needs. All this knowledge will help JM

Capital in target marketing for each client’s needs.


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JM Capital

MMAARRKKEETT NNEEEEDDSS

JM Capital evaluates its market primarily from the standpoint of what the needs are in

the market. For some years ago OECD tried to close down off-shore activity in the world.

Looks like they was on the head, closing down many Swiss banks off-shore clients

accounts. According to some news there was more than 100 Billion USD floating around,

searching for new off-shore havens. Still other banks cannot guarantee for 100% sure that

their clients’ accounts will not be transparent for anyone that request it. Requestor can be

so called government representative or fake representative that act in some governments

or tax office name.

JM Capital solution is what market need right now. Market and clients need a 100% non

transparent account system. Client can be 100% sure that no other than with clients

authority can see client’s accounts.

Markets need also our new service concept. The time is over for clients to waste time in a

bank. We want to bring the bank to the client. The markets need a new more profitable

way of banking. Something that is profitable for the bank and the client. Today clients

pay for International banks big palaces. We do not believe in big palaces, we believe that

if client get the personal service in clients place, time, and languages is more profitable

for the client and the bank. Client do not need to waste time on go to a bank, and bank do

not need to waste clients money on big bank palaces.

Market need a new way of financial thinking. A bank is for the client, not the client is for

the bank. We want to give the best possible personal service to our clients, in the bank, on

the field, and at the clients place ore only on the phone. We want clients can reach our

client center 24/7 all days a year. Most time is only a easy technical question to serve

clients more and better. More telephone lines, and some more people to answer. Today’s

banks have build a network of answering machines. In our bank we do not want any

answering machine never talked to any of our clients. This is market needs!

Today’s bank crisis have created a new market need. Clients all over the world search for

a new bank that do not have today’s banks problems. We have seen proof of this during

the end of the 2011. JM Capital got: Jumbo CD requests, deposit & fund management

requests for a total of 9 000 000 000 €uros. This proof that market need JM Capital and

now.


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JM Capital

MMAARRKKEETT TTRREENNDDSS

JM Capital will watch all market trends. The bank system is created so it is very easy to

change the structure of the system to a new or changed market trend. It is very important

to stay ahead of others in trends. We also want to create new market trends, like our new

service concept. JM Capital will always monitor the market and specially OECD and

New Basel agreements. JM Capital will always stay on the top of the situation, and

always have a second and third solution ready for an impact.

MMAARRKKEETT GGRROOWWTTHH

JM Capital recognizes that it is participating in a very large industry with a great growth

rate. Its projected growth will be set at a rate greater than the industry average. The

implementation of its business strategy will lend itself to fast paced development and

dominance of a significant market share. First year will go to build up the organization

and international representative network. In the beginning of first year JM Capital will

have a light organization. The management team will come in on second half of the

operative year. International representative networks country leaders will be ready

educated and in place at the end of the first operative year.

IINNDDUUSSTTRRYY && BBUUSSIINNEESSSS AANNAALLYYSSIISS

((PPRROODDUUCCTTSS && SSEERRVVIICCEESS))

JM Capital timing for this project is now better than ever. The worlds globalization and

more and more countries coming in on an international business market. Brazil was

before a poor country, and now one of the leaders in the world. China had a closed wall

that have been opened for international business.. This is only a few examples. Crisis hit

Businesses and companies with new fees and taxes. There is a Hugh need of an Secure

International Off-shore Business Bank. Our 3 year goal is to get 1% off the off-shore

market.

IINNDDUUSSTTRRYY && BBUUSSIINNEESSSS PPAARRTTIICCIIPPAANNTTSS

((PPRROODDUUCCTTSS && SSEERRVVIICCEESS))

Industry and business participants include such companies as UBS, and Credit Suisse,

The primary weaknesses are that some of these other companies operate under the

direction of very large bureaucracies. JM Capital on the other hand, operates in an

advantageously different manner as outlined by offering a streamlined operation that is

successful based on the efficiency of the management teams knowledge of the industry,

along with a strong leader team a keen ability to lead JM Capital in a profitable way, and

implement proactive strategies in a timely and efficient manner. JM Capital will offer the


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JM Capital

best possible tax solution, tailor made for each clients need. Clients will benefit from a

clean bank with no bad investments & credits in the back that clients need to pay for.

We will be able to offer some of markets best rates in deposits (Jumbo CD), and fund

managements.

DDIISSTTRRIIBBUUTTIINNGG AA PPRROODDUUCCTT && SSEERRVVIICCEE

JJMM CCaappiittaall BBaannkk ddiissttrriibbuuttiioonn wwiillll bbee bbootthh ttrraaddiittiioonnaall aanndd nnoonnttrraaddiittiioonnaall.. JJMM CCaappiittaall wwiillll

ooppeenn uupp bbaannkk aanndd ffiinnaanncciiaall iinnssttiittuuttiioonnss iinn ssttrraatteeggiiccaallllyy ppllaacceess aarroouunndd tthhee wwoorrlldd.. TThhiiss

ppllaacceess wwiillll wwoorrkk iinn ttrraaddiittiioonnaall wwaayy aass aa nnoorrmmaall bbaannkk ooffffiiccee.. CClliieenntt ccaann ddoo tthheeiirr bbaannkkiinngg

nneeeeddss iinn oonnee ooff tthheessee ooffffiicceess.. OOffffiicceess wwiillll bbee llooccaatteedd iinn EEuurrooppee,, AAssiiaa,, LLaattiinn AAmmeerriiccaa //

CCaarriibbbbeeaann.. TThhiiss llooccaattiioonnss wwiillll wwoorrkk iinn ttrraaddiittiioonnaall bbaannkk wwaayy.. NNoonnttrraaddiittiioonnaall wwiillll bbee oouurr

rreepprreesseennttaattiivvee nneettwwoorrkk aarroouunndd tthhee wwoorrlldd.. RReepprreesseennttaattiivveess wwiillll ffuunnccttiioonn aass aannyy nnoorrmmaall

bbaannkk,, tthheeyy wwiillll nnoott bbrriinngg mmoonneeyy aanndd ccooiinnss ttoo tthhee cclliieenntt.. BBuutt aallll iimmppoorrttaanntt bbaannkkiinngg nneeeeddss

ccaann bbee ddoonnee wwiitthh aa rreepprreesseennttaattiivvee.. RReepprreesseennttaattiivvee wwiillll bbee iinnsstteeaadd ooff tthhee bbaannkk cclliieenntt

sseerrvviiccee ppeerrssoonn.. CCoouunnttrryy mmaannaaggeerr wwiillll bbee aass bbaannkkss ccoouunnttrryy//aarreeaa mmaannaaggeerr.. WWee wwiillll aallssoo

hhaavvee iinntteerrnneett//tteelleepphhoonnee//mmoobbiillee//ffaaxx bbaannkkiinngg.. IInntteerrnneett aanndd mmoobbiillee bbaannkkiinngg ssyysstteemm wwiillll bbee

iinntteerrnneett bbaasseedd.. TTeelleepphhoonnee bbaannkkiinngg wwiillll aallwwaayyss bbee ppeerrssoonnaall tteelleepphhoonnee sseerrvviiccee.. VVIIPPss

cclliieennttss ggeett tthheeiirr oowwnn nnuummbbeerr llooccaall oorr ffrreeee ooff cchhaarrggee nnuummbbeerr ttoo ccaallll..

WWee bbeelliieevvee tthhaatt wwiitthh aa ppeerrssoonnaall sseerrvviiccee iitt wwiillll bbee eeaassiieerr ttoo ggeett oouutt wwiitthh oouurr pprroodduuccttss aanndd

sseerrvviicceess ttoo tthhee cclliieennttss.. TThhee sseerrvviiccee ccaann bbee ppeerrssoonnaallllyy eexxppllaaiinneedd,, aanndd mmaannyy ttiimmeess tteesstteedd oonn

tthhee ppllaaccee..

CCOOMMPPEETTIITTIIOONN AANNDD BBUUYYIINNGG PPAATTTTEERRNNSS

JM Capital Believe that with a excellent service and secure product will the one that keep

ahead of the competitors.

JM Capital on the cutting edge of continuously competing on a favorable basis. Such

things as inventory control, source of components, fast turnover, production schedules,

all contribute to a healthy aspect of competing with other companies.

MMAAIINN CCOOMMPPEETTIITTOORRSS

JM Capital recognizes the following main competitors that affect its industry. JM

Capital has chosen them because of their level of participation, stability, and marketing.

The main competitors are:

UBS

HSBC

Credit Suisse


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JM Capital

SSTTRRAATTEEGGYY AANNDD IIMMPPLLEEMMEENNTTAATTIIOONN

JM Capital centers its strategy on the premise that the company resonates with the

consumer because it offers a secure offshore banking system that will be registered in

various secure offshore countries. Always keeping that in mind, it has its management

constantly focus on productivity being high and of course expenses remaining very low.

JM Capital is diligent in dissecting every aspect of this business to make each component

productive and contributive to the goal of a highly profitable relationship with its

customers.

SSTTRRAATTEEGGYY PPYYRRAAMMIIDD

JM Capital knows that it’s wise to understand the framework from initial goal back to the

essential implementation. The purpose of the pyramid here is to place at the very top an

individual emphasis that is the focus of a strategy for the company, such as introduction

of a new product line. Picture if you will, the next level down the individual actions or

tactics necessary to implement the emphasis or strategy. Finally, at the bottom of its

pyramid are the individual programs necessary to support any and all actions that

contribute to achieving the emphasis or goal. JM Capital wants to highlight that it is not

only adhering to its understanding of the strategy pyramid, but that it also monitors

everything in the process which leads to a logical whole plan.

VVAALLUUEE PPRROOPPOOSSIITTIIOONN

JM Capital adheres to value-based marketing in its conceptual outlook. The value-based

benefits of the company that it strives for consumers to acknowledge include that it

provides a significantly large return on investment. In this way JM Capital is very

sensitive to the communication of what it is proposing to its customers as well as living

up to the promise behind what it does. The company demonstrates that it backs up what it

does with a 100% customer satisfaction attitude.

CCOOMMPPEETTIITTIIVVEE EEDDGGEE

JM Capital is decisive about staying ahead of its competition. The company knows that

this is an everyday every hour re-evaluation of what is going on in its marketplace. Its

current key advantages in relationship to competitive edge include that we possess a

dedicated management team that demonstrates honesty, integrity and professionalism in

all aspects of operations. All of our business associates are carefully prescreened to

ensure the highest standard of quality that is necessary to do business with us. Every

transaction and decision is made with the highest level of integrity and ethics, giving us

the leading edge against our competitors.


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JM Capital

MMAARRKKEETTIINNGG SSTTRRAATTEEGGYY

JM Capital is aware of all of the different choices in relationship to marketing strategy.

Because of its research and recommendations from management it has chosen to market

what it does through online Internet exposure, industry conferences, informational

brochures, outside sales calls, meetings with prospective clients, industry contacts, and by

worldwide representatives. It has chosen this strategy because costs are minimal,

effectiveness is extremely high and branding recognition is enhanced.

PPOOSSIITTIIOONNIINNGG SSTTAATTEEMMEENNTT

JM Capital takes the position that its primary focus of what it does in the marketplace is

to provide a superior level of service designed to exceed the expectations of clients. This

is how JM Capital distinguishes itself in the marketplace.

PPRRIICCIINNGG SSTTRRAATTEEGGYY

JM Capital has after careful consideration decided to align its pricing at a lower level in

comparison to its competition. This fits in perfectly with where the company sees itself

positioned in the total marketplace and communication with its customer base as far as

getting appropriate value and still maintaining sufficient motivation for high volume.

PPRROOMMOOTTIIOONN SSTTRRAATTEEGGYY

The management of JM Capital believes very strongly in press releases to significantly

get the word out of the value of what it does. This will always be a focus of its promotion

efforts. However, though this is a crucial part, this is only one part of its promotion

strategy. On a consistent basis the company will be promoting what it does through

online Internet exposure, industry conferences, informational brochures, outside sales

calls, meetings with prospective clients, industry contacts, and by word of mouth. This

along with all the individual selling efforts of its staff demonstrates a dynamic way for it

to build the penetration of what it does in the marketplace.

DDIISSTTRRIIBBUUTTIIOONN SSTTRRAATTEEGGYY

JM Capital focuses on all three aspects of distribution concerns, that is, coverage, control

and costs. These aspects can all be complex. JM Capital is certain that it has made the

wisest decision in relationship to its coverage and control and cost for its distribution

strategy. The coverage and control that it’s striving for is achieved by its various

marketing programs. Its cost structure is geared to enhance its distribution based upon its

positioning in the marketplace.


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JM Capital

MMAARRKKEETTIINNGG PPRROOGGRRAAMMSS

JM Capital knows that in reference to its marketing programs it needs to tell an excellent

story. Its story is compelling, detailed and highlights many of its capabilities. The

company knows that its consumers hear its voice loud and clear through every aspect of

the company, staff, reputation, and quality control. JM Capital strives to be indispensable

to the consumer. Its marketing programs work to identify this company, highlight

competitive advantages, show appreciation for customer feedback, take advantage of

marketing resources, and demonstrate that the company is knowledgeable, energetic, and

enthusiastic. Marketing strategy will be cost effective. And for that use much of the cheap

but effective ways of marketing and free marketing, as social networks like Linkedin with

over 50 Million companies, Twitter, and other social media. JM Capital also have direct

contact to over 1000 investors around the world. JM Capital will come out with press

releases on regular basis, and keep close contact with media..

SSAALLEESS SSTTRRAATTEEGGYY

As stated earlier, JM Capital is currently focusing its sales strategy on the

implementation of marketing programs, which include online Internet exposure, industry

conferences, informational brochures, outside sales calls, meetings with prospective

clients, industry contacts, and by word of mouth, and its worldwide representative

service.

SSAALLEESS FFOORREECCAASSTT

JM Capital has developed a method for not only developing its sales forecast but also the

ability to stand behind the numbers. The company has determined that based on its

distribution resources, competitive advantages and sound financial analysis, that it

expects to do the following sales over the first year : 10 000 000 €uro.; the next year :500

000 000 €uro.; and over the following year : 1 000 000 000 €uro.

This company knows fully well that in order to make its business plan happen, everything

has to make sense. At JM Capital, the company is grounded in reality in making

reasonable assumptions that it feels very confident it can accomplish. Its strategies are

state of the art, clear, and precise.

SSAALLEESS PPRROOGGRRAAMMSS

JM Capital has sales programs that assure that its revenue forecasts are realized

completely and on schedule. The persons on its dedicated management team directly

responsible for sales performance are the management team. To make this real the

company has set deadlines with amounts as well as budget restrictions for a highly

profitable sales program. With its comprehensive marketing program and competitive

positioning, JM Capital is confident in concrete terms to see its sales milestones and

deadlines become realities. JM Capital Bank offices in strategically location together

with a increasing network of representatives, first in Strategically important financial


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JM Capital

centers in the world, and later on in strategically important wealthy individual locations

in Monaco, Marbella, Barcelona, London, Manhattan New York, Hong kong, Shanghai,

Tokyo, Dubai and more..

SSTTRRAATTEEGGIICC AALLLLIIAANNCCEESS

JM Capital is constantly working to build a network of key individuals and companies

that work as alliances to accomplish its major strategies. The company management is

strongly encouraged to develop relationships with any and all individuals that may have a

favorable relationship with any of its working teams. These alliances are to strengthen

and broaden the foundation of the company and the assurance that its market share and

profitability will continually increase. JM Capital will have a partner program for future

partners that will collaborate and bring in clients,,

EEXXPPLLAAIINNEEDD MMIILLEESSTTOONNEESS

JM Capital is very pleased with the accomplishments of the company and the participants

of the company. The company is very proud of its loyal wonderful staff and the staff’s

dedication to reach all forecasts and milestones on which the staff sets its course. The

goals for the company include securing the financing required to establish the operation,

establishing a solid client base, and reaching the total sales projected.

MMAANNAAGGEEMMEENNTT SSUUMMMMAARRYY

Management is the core and nucleus of any organization. It’s not just personnel and

individuals’ resumes but so much more that encompasses vision, talent, harmony, beliefs,

and commitment. JM Capital management team provide all the talent necessary to

complete every aspect of this business plan. Management team will be on place at second

part of the first operative year. JM Capital have very strong and competitive people ready

to step on-board.

OORRGGAANNIIZZAATTIIOONNAALL SSTTRRUUCCTTUURREE

JM Capital knows how important the organizational structure is to the success of a

company. Each position with this company has a detailed job description as well as a

defined relationship to the whole. At the very head of the company is J M. That position

holds the title of Founder. The other key executives and their positions are A., President,

and B Vice President. From other management positions to department heads, to first line

implementation staffs, the structure of the organization is detailed and complete.

Authority is properly positioned to achieve maximum effectiveness of each

organizational structure. Be cost of the sensitivity of this project more names cannot be

provided in this Business plan.


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JM Capital

MMAANNAAGGEEMMEENNTT TTEEAAMM

What follow are the top positions of JM Capital, and a brief description of their duties

and responsibilities as it pertains to the successful management and development of this

company’s goals.

The management team of 5 professionals will be in place at second half of the operational

year. Total the bank will start with a professional crew of +40 persons. All have at least

+10 years experience of their position.

MMAANNAAGGEEMMEENNTT TTEEAAMM GGAAPPSS

JM Capital recognizes that in any growing company often times management personnel

have to wear more than one hat. As a result often times a gap or gaps may exist until the

company is developed enough to have a specific person for every task required. JM

Capital currently has everything covered and feels very confident that each task is

assigned to a very competent member of its management team. The company will always

be sensitive to this issue and prevent any weakness by having and planning a contingency

program that overlaps job responsibilities.JM Capital will also get local management

people from purchased financial institutions and banks in strategic important locations.

This will together create locally and internationally strong leader team

PPEERRSSOONNNNEELL PPLLAANN

JM Capital defines its total work force to protect the success of its business plan. All

aspects of the business have been sufficiently analyzed to determine each and every

position required to run a fully functioning operation that can complete all of the

strategies and programs to be undertaken.

FFIINNAANNCCIIAALL PPLLAANN

JM Capital has developed its financial plan with the awareness that cash and the bottom

line are key components of any successful company. Revenues for the company will

come from charges and fees generated from operating an offshore investment bank. The

opportunity to increase revenues is being fully taken advantage of as outlined in its

overall marketing strategy. To assure that bottom line adequately follows increases in

revenue every cure possible is being taken to control all areas of expenses and overhead.

The basis of its financial plan is solid growth, increase in revenues, and controlled

expenses.


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JM Capital

IIMMPPOORRTTAANNTT AASSSSUUMMPPTTIIOONNSS

JM Capital makes every effort not to assume any aspect of its operation other than

having hard factual data to back up any forecast. The entire management team is

constantly reminded to base all programs on highly researched statistical information

with the slightest possible margin of variation. One of the reasons that the leadership of

JM Capital chose the industry that it is in was to minimize as many variables in the

business community as possible. The JM Capital project has already registries

international clients, that are ready to come on-board as clients.

KKEEYY FFIINNAANNCCIIAALL IINNDDIICCAATTOORRSS

JM Capital recognizes that the most important financial indicators are cash and bottom

line. This company will be constantly monitoring the flow of revenue to the company as

well as the expense requirements that deplete the company of its cash. JM Capital will

always try to improve the ratio of revenue and expenses to generate a healthier bottom

line in addition to a more healthy cash base. One of the key factors for growth will be our

unique service concept, and world most secure off-shore bank. The first year goes to

build up the organization, and the second and third year will be profitable. First goal is

that investor get invested capital back soonest as possible.

EEXXPPLLAANNAATTIIOONN OOFF BBRREEAAKK--EEVVEENN AANNAALLYYSSIISS

This is critical in a breakeven analysis; you can't calculate likely revenues if you don't

know what the unit price will be. Unit price refers to the amount you plan to charge

customers to buy a single unit of your product. A Bank take money deposits, and offer

investments and credits. A bank does not sale a specific product. Therefore we will leave

this part.

EEXXPPLLAAIINNEEDD PPRROOJJEECCTTEEDD PPRROOFFIITT AANNDD LLOOSSSS

JM Capital sales are forecasted to be increasing on a regular basis. Gross margin is also

expected to increase on a regular basis. Breaking down the profit and loss projections and

monitoring them on a regular basis is essential to the foundation of the company. Unlike

other investments JM Capital is a bank, not a factory. A possibility for a negative result is

much smaller than in a example a fabric. Office will be rented. Other financial

institutions and banks that we will purchase have their offices, and in most cases deposits

from their clients. Our representative network will work as living offices around the

world. More profit and less risk when the biggest part of the worldwide organization is

without offices. With a worldwide economical light organization the possible losses is

non..


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JM Capital

EEXXPPLLAAIINNEEDD PPRROOJJEECCTTEEDD CCAASSHH FFLLOOWW

As stated earlier, JM Capital will focus its attention on bottom line and cash. Its projected

cash flow is very positive. With forecasted increasing revenues and controls on overhead

and expenses it will look to see an increasing bottom line as well as increasing cash.

As a unique bank that offers unique personal service and security in the market, JM

Capital will make a big success.

EEXXPPLLAAIINNEEDD LLOONNGG--TTEERRMM PPLLAANNSS

JM Capital believes that its long-term prospects for a very successful company are

excellent. The industry chosen and the strong foundation of the company lend itself to

nothing but positive results in the long-term future. With a market sensitive management

team and excellent systems in place to monitor competitive shifts or changes JM Capital

is ideally positioned to continue its successful plan on through the next decade.

JM Capital will work for to be one of the top business banks in the world. JM Capital

will build up a worldwide representative organization with Continental and country

managers. We believe that future clients want to be served, not to serve. The bank comes

to the client, not client to the bank. Off-course in our strategically bank offices around the

world, is possible to do traditional banking in a office. The future will be a strong client’s

representative organization around the world. Future of banking is less money and more

paper, Clients go to the bank to fill in paper, Our representatives will take care of that.

Future is more credit/debit/cash cards, and less cash.. The JM Capital will build forward

to get more international and more secure. We will build up the organization in today’s

and future countries where business flow, as: Latin America, China, African countries, &

Asia.

WWEEBB PPLLAANN SSUUMMMMAARRYY

JM Capital observes the increasing importance of the Internet in all that the worldwide

web encompasses. This company not only is a participant in the worldwide web but also

with its management team will continually strive to have a competitive edge by a

significant presence and plans for exposure on the worldwide web. Because of the ever-

increasing sophistication of the worldwide clients and the ever-increasing participation on

the Internet by the worldwide clients, JM Capital will apply all of its resources to be the

industry leader in utilization of the Internet and social media..


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JM Capital

WWEEBB MMAARRKKEETTIINNGG SSTTRRAATTEEGGYY

JM Capital recognizes that there are many parts to a company success and its

involvement in the Internet. The first part is a fully functioning presentable web site that

resonates with the consumer and the personnel of the company. To that end, the

management team has assigned the evolving development and maintenance of the web

site for JM Capital. The second part is a concerted program of search engine optimization

to assure that penetration of the marketplace is vast and consistent. Association of

company identity and web site presence shall be an integral part of all company

promotional activities and materials. The third part is to utilize the company web site in

all aspects of sales processing and customer service. The fourth part is to utilize all

capabilities on the worldwide web for company banking, training, and procedures. In the

future as video conferencing and other technologies become commonplace and developed

for the worldwide web, the company shall be among the first to participate. Also JM

Capital see the important to be in all bigger international social media, and in various

main languages. JM Capital will have a special International team that work only with

the web marketing and social media.

DDEEVVEELLOOPPMMEENNTT RREEQQUUIIRREEMMEENNTTSS

JM Capital sees that the expertise of someone involved with the worldwide web is very

specific. The management team is committed to providing ongoing training for those

members of the company directly associated with the development of its website, the

implementation of search engine optimization, and the adaptability for customer service

and other procedures utilizing the world-wide web. In addition to ongoing training, the

company will commit an appropriate amount of company resources sensitive to revenues

generated by the web site presence. In addition, as it relates to productivity personnel will

have access to computer capabilities that tie in the web presence with all of its internal

company workings. The development of these programs will be the direct responsibility

of an assigned person from its management team.


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JM Capital

Profit & Loss Statement JM Capital

Category First year Second year Third year

Revenue

Gross Sales 10 000 000 500 000 000 1 000 000 000

Less Charge Backs, Returns & Neg. Adjs. 25 000 000 -15 000 000 0

Net Sales 0

Less Cost Of Sales (Costs outside below.) 0 0 0

Gross Profit - 15 000 000 485 000 000 1 000 000 000

Operating Expenses

Expenses:

Salaries and Wages 2 000 000 10 000 000 15 000 000

Commissions and Shared Revenues 150,000 1 500 000 3 000 000

Payroll Taxes 0 2 000 000 3 000 000

Advertising and Marketing 1 500 000 3 000 000 5 000 000

Promotions and Various Events 1 000 000 3 000 000 5 000 000

Total Sales Expenses 4 650 000 19 500 000 31 000 000

Admin. & General Expenses:

Rent(Including all furnishings, phones, etc.) 500 000 3 000 000 5 000 000

Office Supplies (IT) 1 000 000 1 000 000 1 000 000

Telephone 30,000 150 000 500 000

Utilities 60,000 100 000 500 000

Licenses, Membership Costs & Dues 150,000 200 000 300 000

Legal & Accounting 1 000,000 3 000 000 5 000 000

Miscellaneous 1,000,000 2 000 000 3 000 000

Automobile and Travel Expenses 500 000 1 000 000 2 000 000

Entertainment 50 000 100 000 150 000

Total Admin. & General Expenses 4 290 000 10 550 000 17 450 000

Total Operating Expenses 19 290 000 30 050 000 48 450 000

Profits Or (Losses)

Operating Profit or (Loss) -19 290 000 454 950 000 951 550 000

Adj. For Other Income (Interest Inc., etc.) 0 10 000 000 100 000 000

Net Income or (Loss) Before Taxes -19 290 000 464 950 000 1 051 550 000

Income Taxes 0 80 000 000 200 000 000

Net Inc. or (Loss) After Taxes -19 290 000 384 950 000 851 550 000

jm capital business plan

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