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Delivery-date: Thu, 20 Sep 2018 10:12:15 -0500
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Subject: Re: Bank Option
From: Geoff Lusty <geoffl@webhstech.com>
In-Reply-To: <CAMy_+=n83Sin+HjozY9H9_G4iTx_rCAfC7SNv=t-S-x0VfaWsg@mail.gmail.com>
Date: Thu, 20 Sep 2018 11:11:23 -0400
Cc: "Chris Farrugia, DDS" <info@smbdu.com>,
 Dave Novak <davenovak@webhstech.com>,
 Amanda Cantelmi <amandac@webhstech.com>
Content-Transfer-Encoding: 7bit
Message-Id: <E8D3FA5A-064F-4222-A609-C18275A20CEA@webhstech.com>
References: <CAGJ=7XEqVP5Wi8DSzBRPFtzZAsWakotY4x+4nM1obcCgJTPYJw@mail.gmail.com> <00e501d43ed5$fd5d18c0$f8174a40$@webhstech.com> <DC78FC85-8C54-4767-9C84-6A95AA683A67@smbdu.com> <007301d45059$e99451b0$bcbcf510$@webhstech.com> <060F4C1B-E991-4A40-A43C-A3E182CDB0C0@smbdu.com> <000001d450e5$6b2819b0$41784d10$@webhstech.com> <AE8296F4-5D33-439F-9EA8-04EA8CEE72E3@smbdu.com> <82692DDC-95F5-47C1-B3C6-37D0C0D69F31@webhstech.com> <CAMy_+=n83Sin+HjozY9H9_G4iTx_rCAfC7SNv=t-S-x0VfaWsg@mail.gmail.com>
To: Ryan Wakim <ryanwakim@fortunemgmt.com>
 
 Content preview:  $3,500... send to our office 315 ninth street new brighton
    pa 15066 Thank you! Geoff Lusty [...] 
 
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$3,500... send to our office=20
315 ninth street new brighton pa 15066

Thank you!

Geoff Lusty

> On Sep 20, 2018, at 10:58 AM, Ryan Wakim <ryanwakim@fortunemgmt.com> wrote=
:
>=20
> Geoff, I know I asked this before but I cant find the text/email. Where do=
 we send the money? 3000 correct?
>=20
> Ryan J. Wakim, M.D.
>=20
>=20
>=20
>=20
> RYAN J. WAKIM, M.D. | Managing Partner & Executive Coach for West Virginia=
 & Columbus
>=20
> MOBILE: 304-280-7337
> OFFICE: 304-933-9123
> FAX:       304-885-7555
> WEBSITE: www.Fortunemgmt.com
> FACEBOOK: @FortunemgmtWV
>=20
> CALL SCHEDULING
>=20
> LISTEN TO OUR PODCAST
>=20
>=20
> This email, including any attachments hereto, is covered and protected by t=
he Electronic Communications Privacy Act, 18 U.S.C. Sections 2510-2521, and i=
s legally privileged. This e-mail may also contain protected health informat=
ion which the wrongful disclosure or use thereof is prohibited by the Health=
 Insurance Portability and Accountability Act, 42 U.S.C. Section 1320d-6. Th=
is e-mail and any attachments are only for the exclusive and confidential us=
e of the intended recipient indicated. If you are not the intended recipient=
, any such disclosure, copying, use, or other distributions of the informati=
on contained in this e-mail is strictly prohibited. If you are not the inten=
ded recipient, please immediately contact us by reply e-mail or by phone, an=
d erase this e-mail from your records and destroy all copies made.
>=20
>=20
>> On Thu, Sep 20, 2018 at 10:49 AM Geoff Lusty <geoffl@webhstech.com> wrote=
:
>>  Nerds!
>>=20
>> Geoff Lusty
>>=20
>>> On Sep 20, 2018, at 9:44 AM, Chris Farrugia, DDS <info@smbdu.com> wrote:=

>>>=20
>>> Thanks for confirming.  I arrived at the same conclusion.
>>>=20
>>> assuming: $3000/month overhead=20
>>> assuming: 20 workdays a month
>>> =3D$150 per day overhead
>>>=20
>>> assuming: $2200 average claim paid
>>> assuming: 8.9% rate
>>> =3D$195.80 fee earned
>>>=20
>>> =3D0.76 claims per day
>>>=20
>>> assuming: maximum 3 hours of work total in an OSA claim
>>> =3D2.29 hours of work/day to produce that volume
>>>=20
>>>=20
>>>> On Sep 20, 2018, at 6:25 AM, Dave Novak <davenovak@webhstech.com> wrote=
:
>>>>=20
>>>> Initially it looks like we would only need to average processing a litt=
le less than 1 sleep claim per day to break even.
>>>> =20
>>>> That is using our assumption of 4 claims/client/month @ $ 2,200 paid on=
 each and our rate of  8.90%. We would need 4 clients at those volumes. Our o=
verhead that we would need to cover at that point would be approximately $ 3=
,000/month.
>>>> =20
>>>> From: Chris Farrugia, DDS [mailto:info@smbdu.com]=20
>>>> Sent: Wednesday, September 19, 2018 8:03 PM
>>>> To: Dave Novak <davenovak@webhstech.com>
>>>> Cc: Geoff Lusty <geoffl@webhstech.com>; Amanda Cantelmi <amandac@webhst=
ech.com>; Ryan Wakim <ryanwakim@fortunemgmt.com>
>>>> Subject: Re: Bank Option
>>>> =20
>>>> With my practice I can calculate a daily break even point (overhead) fo=
r every workday which we used to develop daily production goals .... I'm won=
dering what ours will be when we start....
>>>>=20
>>>> Sent from Chris's Excellent iPhone
>>>>=20
>>>>=20
>>>>> On Sep 19, 2018, at 2:46 PM, Dave Novak <davenovak@webhstech.com> wrot=
e:
>>>>> Sorry Chris, not understanding your question fully=E2=80=A6
>>>>> =20
>>>>> Please give me a little more info on what end game you are going for a=
nd I can get that number for you.
>>>>> =20
>>>>> =20
>>>>> From: Chris Farrugia, DDS [mailto:info@smbdu.com]=20
>>>>> Sent: Wednesday, September 19, 2018 4:40 PM
>>>>> To: Geoff Lusty <geoffl@webhstech.com>
>>>>> Cc: Amanda Cantelmi <amandac@webhstech.com>; Dave Novak <davenovak@web=
hstech.com>; Ryan Wakim <ryanwakim@fortunemgmt.com>
>>>>> Subject: Re: Bank Option
>>>>> =20
>>>>> Dave, if we break the projected overhead down into a daily break even n=
umber.... what would that be?
>>>>> =20
>>>>>=20
>>>>> Sent from Chris's Excellent iPhone
>>>>>=20
>>>>>=20
>>>>>> On Aug 28, 2018, at 9:49 AM, Geoff Lusty <geoffl@webhstech.com> wrote=
:
>>>>>> I am 100% OK with that choice.
>>>>>> =20
>>>>>> One other option (which would make banking super simple for Amanda) i=
s if we chose First National Bank of PA (FNB).  That is the bank we use for H=
ST and we make daily deposits there (sometimes several trips). =20
>>>>>> =20
>>>>>> Either way, I am fine with either PNC or FNB.
>>>>>> =20
>>>>>> Geoff Lusty
>>>>>> Vice President =E2=80=93 HST
>>>>>> geoffl@webhstech.com
>>>>>> ph. (724) 304-4864
>>>>>> =20
>>>>>> From: Amanda Cantelmi <amandac@webhstech.com>=20
>>>>>> Sent: Tuesday, August 28, 2018 9:46 AM
>>>>>> To: Chris Farrugia, DDS <info@smbdu.com>; Dave Novak <davenovak@webhs=
tech.com>; Geoff Lusty <geoffl@webhstech.com>; Ryan Wakim <ryanwakim@fortune=
mgmt.com>
>>>>>> Subject: Bank Option
>>>>>> =20
>>>>>> Hi Everyone,
>>>>>> =20
>>>>>> After spending some time looking for a bank accessible to everyone, t=
he only option I came up with is PNC (Dave determined the same after doing h=
is own research).
>>>>>> =20
>>>>>> Chris - the nearest PNC branch to you is located about 25 mi west in O=
range Beach, AL.  Hopefully with all of the online and mobile banking capabi=
lities you will not have to make a special trip very often.
>>>>>> =20
>>>>>> Please let us know if anyone has any objections to using PNC as the o=
fficial bank of IPS/OSA.  If none, Geoff will establish an account this week=
.
>>>>>> =20
>>>>>>  =20
>>>>>> Amanda Cantelmi
>>>>>> Executive Assistant
>>>>>> =20
>>>>>> <image001.jpg>
>>>>>> 315 Ninth Street
>>>>>> New Brighton, PA 15066
>>>>>> Direct
>>>>>> : 724-906-4832
>>>>>> Toll Free: 800-372-7790 Ext. 24
>>>>>> =20
>>>>>> Confidentiality Notice: This e-mail message, including any attachment=
s, is for the sole use of the intended recipient(s) and may contain confiden=
tial and privileged information. Any unauthorized review, use, disclosure or=
 distribution is prohibited. If you are not the intended recipient, please c=
ontact the sender by reply e-mail and destroy all copies of the original mes=
sage.
>>>=20

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<html><head><meta http-equiv=3D"content-type" content=3D"text/html; charset=3D=
utf-8"></head><body dir=3D"auto">$3,500... send to our office&nbsp;<div>315 n=
inth street new brighton pa 15066</div><div><br></div><div>Thank you!<br><br=
><div id=3D"AppleMailSignature">Geoff Lusty</div><div><br>On Sep 20, 2018, a=
t 10:58 AM, Ryan Wakim &lt;<a href=3D"mailto:ryanwakim@fortunemgmt.com">ryan=
wakim@fortunemgmt.com</a>&gt; wrote:<br><br></div><blockquote type=3D"cite">=
<div><div dir=3D"ltr">Geoff, I know I asked this before but I cant find the t=
ext/email. Where do we send the money? 3000 correct?<div><br clear=3D"all"><=
div><div dir=3D"ltr" class=3D"gmail_signature" data-smartmail=3D"gmail_signa=
ture"><div dir=3D"ltr"><div><div dir=3D"ltr"><div><div dir=3D"ltr"><div><div=
 dir=3D"ltr"><div><div dir=3D"ltr"><div><div dir=3D"ltr"><div><div dir=3D"lt=
r"><div><div dir=3D"ltr"><div><div dir=3D"ltr"><div><div dir=3D"ltr"><div><d=
iv dir=3D"ltr"><div><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div d=
ir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"lt=
r"><div dir=3D"ltr"><div dir=3D"ltr"><div style=3D"font-size:12.8px"><span s=
tyle=3D"font-size:12.8px">Ryan J. Wakim, M.D.</span><br></div><div style=3D"=
font-size:12.8px"><br></div><div style=3D"font-size:12.8px"><br></div><div><=
div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr" style=3D"font-size:12.8px"=
><div><div style=3D"color:rgb(136,136,136)"><img alt=3D"http://www.fortunemg=
mt.com/Images_Content/Site1/Images/Layout/FM_Logo2.png" src=3D"http://www.fo=
rtunemgmt.com/Images_Content/Site1/Images/Layout/FM_Logo2.png"><br><span sty=
le=3D"color:rgb(11,83,148)"><br></span></div><b><font color=3D"#0000ff">RYAN=
 J. WAKIM, M.D.</font></b><i style=3D"color:rgb(0,0,255)">&nbsp;</i><i style=
=3D"color:rgb(11,83,148)">|</i><i><font color=3D"#000000">&nbsp;</font><font=
 color=3D"#666666">Managing Partner &amp; Executive Coach for West Virginia &=
amp; Columbus</font><br></i></div><span style=3D"color:rgb(0,0,255)"><br></s=
pan></div><div style=3D"font-size:12.8px;color:rgb(136,136,136)"><span style=
=3D"color:rgb(0,0,0)"><i>MOBILE:</i>&nbsp;</span>304-280-7337<span style=3D"=
color:rgb(0,0,0)"><br></span></div><span style=3D"font-size:12.8px;color:rgb=
(136,136,136)"><div><span style=3D"color:rgb(0,0,255)"><span style=3D"color:=
rgb(111,168,220)"><span style=3D"color:rgb(0,0,0)"><i>OFFICE: </i></span></s=
pan></span>304-933-9123</div></span></div></div></div></div></div></div></di=
v></div></div></div></div></div></div></div></div></div></div></div></div></=
div></div></div></div></div><div><div dir=3D"ltr"><div><div dir=3D"ltr"><div=
><div dir=3D"ltr"><div><div dir=3D"ltr"><div><div dir=3D"ltr"><div><div dir=3D=
"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><d=
iv dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D=
"ltr"><div><div dir=3D"ltr"><div dir=3D"ltr"><div style=3D"text-align:left;c=
olor:rgb(136,136,136);font-size:12.8px"><span style=3D"color:rgb(0,0,255)"><=
span style=3D"color:rgb(111,168,220)"><span style=3D"color:rgb(0,0,0)"><i>FA=
X: &nbsp; &nbsp; &nbsp; </i></span></span></span>304-885-7555</div></div></d=
iv></div></div></div></div></div></div></div></div></div></div></div></div><=
/div></div></div></div></div></div></div></div></div></div><div><div dir=3D"=
ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><di=
v dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D=
"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><d=
iv dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div style=3D"color:rgb(136=
,136,136);font-size:12.8px"><span style=3D"color:rgb(0,0,255)"><span style=3D=
"color:rgb(111,168,220)"><span style=3D"color:rgb(0,0,0)"><i>WEBSITE</i>:</s=
pan>&nbsp;<a href=3D"http://www.fortunemgmt.com/westvirginia" target=3D"_bla=
nk">www.Fortunemgmt.com</a></span></span></div><div style=3D"color:rgb(136,1=
36,136);font-size:12.8px"><i style=3D"font-size:12.8px;color:rgb(0,0,0)">FAC=
EBOOK:&nbsp;</i><span style=3D"color:rgb(0,0,255)"><span style=3D"color:rgb(=
111,168,220)"><a href=3D"https://www.facebook.com/fortunemgmtWV/" target=3D"=
_blank">@FortunemgmtWV</a></span></span></div><div style=3D"color:rgb(136,13=
6,136);font-size:12.8px"><span style=3D"color:rgb(0,0,255)"><div style=3D"co=
lor:rgb(136,136,136);font-size:12.8px"><br></div><div style=3D"color:rgb(136=
,136,136);font-size:12.8px"><a href=3D"https://calendly.com/ryanwakim" targe=
t=3D"_blank">CALL SCHEDULING</a><br></div></span></div><div><br></div><div><=
a href=3D"http://www.fortunemgmt.com/article.cfm?Cat=3D10" style=3D"font-siz=
e:12.8px" target=3D"_blank">LISTEN TO OUR PODCAST</a><span style=3D"color:rg=
b(255,255,255);font-size:12.8px"><br></span></div><div style=3D"color:rgb(13=
6,136,136);font-size:12.8px"><br></div><div style=3D"font-size:12.8px;color:=
rgb(136,136,136)"><span style=3D"color:rgb(0,0,255)"><span style=3D"color:rg=
b(111,168,220)"><span></span><span></span><br></span></span></div><div style=
=3D"font-size:12.8px;color:rgb(136,136,136)"><span style=3D"color:rgb(34,34,=
34);font-size:12.8px">This email, including any attachments hereto, is cover=
ed and protected by the Electronic Communications Privacy Act, 18 U.S.C. Sec=
tions 2510-2521, and is legally privileged. This e-mail may also contain pro=
tected health information which the wrongful disclosure or use thereof is pr=
ohibited by the Health Insurance Portability and Accountability Act, 42 U.S.=
C. Section 1320d-6. This e-mail and any attachments are only for the exclusi=
ve and confidential use of the intended recipient indicated. If you are not t=
he intended recipient, any such disclosure, copying, use, or other distribut=
ions of the information contained in this e-mail is strictly prohibited. If y=
ou are not the intended recipient, please immediately contact us by reply e-=
mail or by phone, and erase this e-mail from your records and destroy all co=
pies made.</span><span style=3D"color:rgb(0,0,255)"><span style=3D"color:rgb=
(111,168,220)"><br></span></span></div></div></div></div></div></div></div><=
/div></div></div></div></div></div></div></div></div></div></div></div></div=
></div></div></div></div></div></div></div></div></div></div></div></div><br=
><input name=3D"virtru-metadata" type=3D"hidden" value=3D"{&quot;email-polic=
y&quot;:{&quot;state&quot;:&quot;closed&quot;,&quot;expirationUnit&quot;:&qu=
ot;days&quot;,&quot;disableCopyPaste&quot;:false,&quot;disablePrint&quot;:fa=
lse,&quot;disableForwarding&quot;:false,&quot;expires&quot;:false,&quot;isMa=
naged&quot;:false},&quot;attachments&quot;:{},&quot;compose-id&quot;:&quot;5=
&quot;,&quot;compose-window&quot;:{&quot;secure&quot;:false}}"></div><br><di=
v class=3D"gmail_quote" style=3D""><div dir=3D"ltr">On Thu, Sep 20, 2018 at 1=
0:49 AM Geoff Lusty &lt;<a href=3D"mailto:geoffl@webhstech.com">geoffl@webhs=
tech.com</a>&gt; wrote:<br></div><blockquote class=3D"gmail_quote" style=3D"=
margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div dir=3D"a=
uto">&nbsp;Nerds!<br><br><div id=3D"m_5350141069156611649AppleMailSignature"=
>Geoff Lusty</div><div><br>On Sep 20, 2018, at 9:44 AM, Chris Farrugia, DDS &=
lt;<a href=3D"mailto:info@smbdu.com" target=3D"_blank">info@smbdu.com</a>&gt=
; wrote:<br><br></div><blockquote type=3D"cite"><div>Thanks for confirming.&=
nbsp; I arrived at the same conclusion.<div><br></div><div>assuming: $3000/m=
onth overhead&nbsp;<div>assuming: 20 workdays a month</div><div>=3D$150 per d=
ay overhead</div><div><br></div><div>assuming: $2200 average claim paid</div=
><div>assuming: 8.9% rate</div><div>=3D$195.80 fee earned</div><div><br></di=
v><div>=3D0.76 claims per day</div><div><br></div><div>assuming: maximum 3 h=
ours of work total in an OSA claim</div><div>=3D2.29 hours of work/day to pr=
oduce that volume</div><div><br><div><br><blockquote type=3D"cite"><div>On S=
ep 20, 2018, at 6:25 AM, Dave Novak &lt;<a href=3D"mailto:davenovak@webhstec=
h.com" target=3D"_blank">davenovak@webhstech.com</a>&gt; wrote:</div><br cla=
ss=3D"m_5350141069156611649Apple-interchange-newline"><div><div class=3D"m_5=
350141069156611649WordSection1" style=3D"font-family:Helvetica;font-size:12p=
x;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spaci=
ng:normal;text-align:start;text-indent:0px;text-transform:none;white-space:n=
ormal;word-spacing:0px;text-decoration:none"><div style=3D"margin:0in 0in 0.=
0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span style=3D"color:r=
gb(31,73,125)">Initially it looks like we would only need to average process=
ing a little less than 1 sleep claim per day to break even.<u></u><u></u></s=
pan></div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:C=
alibri,sans-serif"><span style=3D"color:rgb(31,73,125)"><u></u>&nbsp;<u></u>=
</span></div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-famil=
y:Calibri,sans-serif"><span style=3D"color:rgb(31,73,125)">That is using our=
 assumption of 4 claims/client/month @ $ 2,200 paid on each and our rate of&=
nbsp; 8.90%. We would need 4 clients at those volumes. Our overhead that we w=
ould need to cover at that point would be approximately $ 3,000/month.<u></u=
><u></u></span></div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;fo=
nt-family:Calibri,sans-serif"><a name=3D"m_5350141069156611649__MailEndCompo=
se"><span style=3D"color:rgb(31,73,125)"><u></u>&nbsp;<u></u></span></a></di=
v><div><div style=3D"border-style:solid none none;border-top-width:1pt;borde=
r-top-color:rgb(225,225,225);padding:3pt 0in 0in"><div style=3D"margin:0in 0=
in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><b>From:</b><span=
 class=3D"m_5350141069156611649Apple-converted-space">&nbsp;</span>Chris Far=
rugia, DDS [<a href=3D"mailto:info@smbdu.com" target=3D"_blank">mailto:info@=
smbdu.com</a>]<span class=3D"m_5350141069156611649Apple-converted-space">&nb=
sp;</span><br><b>Sent:</b><span class=3D"m_5350141069156611649Apple-converte=
d-space">&nbsp;</span>Wednesday, September 19, 2018 8:03 PM<br><b>To:</b><sp=
an class=3D"m_5350141069156611649Apple-converted-space">&nbsp;</span>Dave No=
vak &lt;<a href=3D"mailto:davenovak@webhstech.com" target=3D"_blank">davenov=
ak@webhstech.com</a>&gt;<br><b>Cc:</b><span class=3D"m_5350141069156611649Ap=
ple-converted-space">&nbsp;</span>Geoff Lusty &lt;<a href=3D"mailto:geoffl@w=
ebhstech.com" target=3D"_blank">geoffl@webhstech.com</a>&gt;; Amanda Cantelm=
i &lt;<a href=3D"mailto:amandac@webhstech.com" target=3D"_blank">amandac@web=
hstech.com</a>&gt;; Ryan Wakim &lt;<a href=3D"mailto:ryanwakim@fortunemgmt.c=
om" target=3D"_blank">ryanwakim@fortunemgmt.com</a>&gt;<br><b>Subject:</b><s=
pan class=3D"m_5350141069156611649Apple-converted-space">&nbsp;</span>Re: Ba=
nk Option<u></u><u></u></div></div></div><div style=3D"margin:0in 0in 0.0001=
pt;font-size:11pt;font-family:Calibri,sans-serif"><u></u>&nbsp;<u></u></div>=
<p class=3D"MsoNormal" style=3D"margin:0in 0in 12pt;font-size:11pt;font-fami=
ly:Calibri,sans-serif">With my practice I can calculate a daily break even p=
oint (overhead) for every workday which we used to develop daily production g=
oals .... I'm wondering what ours will be when we start....<span style=3D"fo=
nt-size:12pt"><u></u><u></u></span></p><div><div style=3D"margin:0in 0in 0.0=
001pt;font-size:11pt;font-family:Calibri,sans-serif">Sent from Chris's Excel=
lent iPhone<u></u><u></u></div></div><div><p class=3D"MsoNormal" style=3D"ma=
rgin:0in 0in 12pt;font-size:11pt;font-family:Calibri,sans-serif"><br></p>On S=
ep 19, 2018, at 2:46 PM, Dave Novak &lt;<a href=3D"mailto:davenovak@webhstec=
h.com" style=3D"color:rgb(149,79,114);text-decoration:underline" target=3D"_=
blank">davenovak@webhstech.com</a>&gt; wrote:<u></u><u></u><p></p></div><blo=
ckquote style=3D"margin-top:5pt;margin-bottom:5pt" type=3D"cite"><div><div s=
tyle=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-seri=
f"><span style=3D"color:rgb(31,73,125)">Sorry Chris, not understanding your q=
uestion fully=E2=80=A6</span><u></u><u></u></div><div style=3D"margin:0in 0i=
n 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span style=3D"col=
or:rgb(31,73,125)">&nbsp;</span><u></u><u></u></div><div style=3D"margin:0in=
 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span style=3D"=
color:rgb(31,73,125)">Please give me a little more info on what end game you=
 are going for and I can get that number for you.</span><u></u><u></u></div>=
<div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,san=
s-serif"><span style=3D"color:rgb(31,73,125)">&nbsp;</span><u></u><u></u></d=
iv><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,=
sans-serif"><span style=3D"color:rgb(31,73,125)">&nbsp;</span><u></u><u></u>=
</div><div><div style=3D"border-style:solid none none;border-top-width:1pt;b=
order-top-color:rgb(225,225,225);padding:3pt 0in 0in"><div style=3D"margin:0=
in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><b>From:</b><=
span class=3D"m_5350141069156611649Apple-converted-space">&nbsp;</span>Chris=
 Farrugia, DDS [<a href=3D"mailto:info@smbdu.com" style=3D"color:rgb(149,79,=
114);text-decoration:underline" target=3D"_blank">mailto:info@smbdu.com</a>]=
<span class=3D"m_5350141069156611649Apple-converted-space">&nbsp;</span><br>=
<b>Sent:</b><span class=3D"m_5350141069156611649Apple-converted-space">&nbsp=
;</span>Wednesday, September 19, 2018 4:40 PM<br><b>To:</b><span class=3D"m_=
5350141069156611649Apple-converted-space">&nbsp;</span>Geoff Lusty &lt;<a hr=
ef=3D"mailto:geoffl@webhstech.com" style=3D"color:rgb(149,79,114);text-decor=
ation:underline" target=3D"_blank">geoffl@webhstech.com</a>&gt;<br><b>Cc:</b=
><span class=3D"m_5350141069156611649Apple-converted-space">&nbsp;</span>Ama=
nda Cantelmi &lt;<a href=3D"mailto:amandac@webhstech.com" style=3D"color:rgb=
(149,79,114);text-decoration:underline" target=3D"_blank">amandac@webhstech.=
com</a>&gt;; Dave Novak &lt;<a href=3D"mailto:davenovak@webhstech.com" style=
=3D"color:rgb(149,79,114);text-decoration:underline" target=3D"_blank">daven=
ovak@webhstech.com</a>&gt;; Ryan Wakim &lt;<a href=3D"mailto:ryanwakim@fortu=
nemgmt.com" style=3D"color:rgb(149,79,114);text-decoration:underline" target=
=3D"_blank">ryanwakim@fortunemgmt.com</a>&gt;<br><b>Subject:</b><span class=3D=
"m_5350141069156611649Apple-converted-space">&nbsp;</span>Re: Bank Option<u>=
</u><u></u></div></div></div><div style=3D"margin:0in 0in 0.0001pt;font-size=
:11pt;font-family:Calibri,sans-serif">&nbsp;<u></u><u></u></div><div style=3D=
"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">Dave=
, if we break the projected overhead down into a daily break even number....=
 what would that be?<u></u><u></u></div><div><p class=3D"MsoNormal" style=3D=
"margin:0in 0in 12pt;font-size:11pt;font-family:Calibri,sans-serif">&nbsp;<u=
></u><u></u></p><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;fo=
nt-family:Calibri,sans-serif">Sent from Chris's Excellent iPhone<u></u><u></=
u></div></div><div><p class=3D"MsoNormal" style=3D"margin:0in 0in 12pt;font-=
size:11pt;font-family:Calibri,sans-serif"><br></p>On Aug 28, 2018, at 9:49 A=
M, Geoff Lusty &lt;<a href=3D"mailto:geoffl@webhstech.com" style=3D"color:rg=
b(149,79,114);text-decoration:underline" target=3D"_blank">geoffl@webhstech.=
com</a>&gt; wrote:<u></u><u></u><p></p></div><blockquote style=3D"margin-top=
:5pt;margin-bottom:5pt" type=3D"cite"><div><div style=3D"margin:0in 0in 0.00=
01pt;font-size:11pt;font-family:Calibri,sans-serif">I am 100% OK with that c=
hoice.<u></u><u></u></div><div style=3D"margin:0in 0in 0.0001pt;font-size:11=
pt;font-family:Calibri,sans-serif">&nbsp;<u></u><u></u></div><div style=3D"m=
argin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">One ot=
her option (which would make banking super simple for Amanda) is if we chose=
 First National Bank of PA (FNB).&nbsp; That is the bank we use for HST and w=
e make daily deposits there (sometimes several trips).&nbsp;<span class=3D"m=
_5350141069156611649Apple-converted-space">&nbsp;</span><u></u><u></u></div>=
<div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,san=
s-serif">&nbsp;<u></u><u></u></div><div style=3D"margin:0in 0in 0.0001pt;fon=
t-size:11pt;font-family:Calibri,sans-serif">Either way, I am fine with eithe=
r PNC or FNB.<u></u><u></u></div><div style=3D"margin:0in 0in 0.0001pt;font-=
size:11pt;font-family:Calibri,sans-serif">&nbsp;<u></u><u></u></div><div sty=
le=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"=
>Geoff Lusty<u></u><u></u></div><div style=3D"margin:0in 0in 0.0001pt;font-s=
ize:11pt;font-family:Calibri,sans-serif">Vice President =E2=80=93 HST<u></u>=
<u></u></div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-famil=
y:Calibri,sans-serif"><a href=3D"mailto:geoffl@webhstech.com" style=3D"color=
:rgb(149,79,114);text-decoration:underline" target=3D"_blank"><span style=3D=
"color:blue">geoffl@webhstech.com</span></a><u></u><u></u></div><div style=3D=
"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">ph. (=
724) 304-4864<u></u><u></u></div><div style=3D"margin:0in 0in 0.0001pt;font-=
size:11pt;font-family:Calibri,sans-serif">&nbsp;<u></u><u></u></div><div sty=
le=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"=
><b>From:</b><span class=3D"m_5350141069156611649Apple-converted-space">&nbs=
p;</span>Amanda Cantelmi &lt;<a href=3D"mailto:amandac@webhstech.com" style=3D=
"color:rgb(149,79,114);text-decoration:underline" target=3D"_blank">amandac@=
webhstech.com</a>&gt;<span class=3D"m_5350141069156611649Apple-converted-spa=
ce">&nbsp;</span><br><b>Sent:</b><span class=3D"m_5350141069156611649Apple-c=
onverted-space">&nbsp;</span>Tuesday, August 28, 2018 9:46 AM<br><b>To:</b><=
span class=3D"m_5350141069156611649Apple-converted-space">&nbsp;</span>Chris=
 Farrugia, DDS &lt;<a href=3D"mailto:info@smbdu.com" style=3D"color:rgb(149,=
79,114);text-decoration:underline" target=3D"_blank">info@smbdu.com</a>&gt;;=
 Dave Novak &lt;<a href=3D"mailto:davenovak@webhstech.com" style=3D"color:rg=
b(149,79,114);text-decoration:underline" target=3D"_blank">davenovak@webhste=
ch.com</a>&gt;; Geoff Lusty &lt;<a href=3D"mailto:geoffl@webhstech.com" styl=
e=3D"color:rgb(149,79,114);text-decoration:underline" target=3D"_blank">geof=
fl@webhstech.com</a>&gt;; Ryan Wakim &lt;<a href=3D"mailto:ryanwakim@fortune=
mgmt.com" style=3D"color:rgb(149,79,114);text-decoration:underline" target=3D=
"_blank">ryanwakim@fortunemgmt.com</a>&gt;<br><b>Subject:</b><span class=3D"=
m_5350141069156611649Apple-converted-space">&nbsp;</span>Bank Option<u></u><=
u></u></div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family=
:Calibri,sans-serif">&nbsp;<u></u><u></u></div><div><div style=3D"margin:0in=
 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">Hi Everyone,<u>=
</u><u></u></div><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;f=
ont-family:Calibri,sans-serif">&nbsp;<u></u><u></u></div></div><div><div sty=
le=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"=
>After spending some time looking for a bank accessible to everyone, the onl=
y option I came up with is PNC (Dave determined the same after doing his own=
 research).<u></u><u></u></div></div><div><div style=3D"margin:0in 0in 0.000=
1pt;font-size:11pt;font-family:Calibri,sans-serif">&nbsp;<u></u><u></u></div=
></div><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family=
:Calibri,sans-serif">Chris - the nearest PNC branch to you is located about 2=
5 mi west in Orange Beach, AL.&nbsp; Hopefully with all of the online and mo=
bile banking capabilities you will not have to make a special trip very ofte=
n.<u></u><u></u></div></div><div><div style=3D"margin:0in 0in 0.0001pt;font-=
size:11pt;font-family:Calibri,sans-serif">&nbsp;<u></u><u></u></div></div><d=
iv><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,=
sans-serif">Please let us know if anyone has any objections to using PNC as t=
he official bank of IPS/OSA.&nbsp; If none, Geoff will establish an account t=
his week.<u></u><u></u></div></div><div><div style=3D"margin:0in 0in 0.0001p=
t;font-size:11pt;font-family:Calibri,sans-serif">&nbsp;<u></u><u></u></div><=
/div><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:C=
alibri,sans-serif">&nbsp;&nbsp;<u></u><u></u></div></div><div><div><div><div=
><div><div><div><div><div><div><div><div><div style=3D"margin:0in 0in 0.0001=
pt;font-size:11pt;font-family:Calibri,sans-serif"><b><span style=3D"font-siz=
e:13.5pt;font-family:&quot;Trebuchet MS&quot;,sans-serif;color:rgb(116,27,71=
)">Amanda Cantelmi</span></b><u></u><u></u></div></div><div><div style=3D"ma=
rgin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span s=
tyle=3D"font-size:10pt;font-family:Verdana,sans-serif;color:rgb(116,27,71)">=
Executive Assistant</span><u></u><u></u></div></div><div><div style=3D"margi=
n:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">&nbsp;<u><=
/u><u></u></div></div><div><div><div><div style=3D"margin:0in 0in 0.0001pt;f=
ont-size:11pt;font-family:Calibri,sans-serif"><b><span style=3D"font-size:12=
pt;font-family:Verdana,sans-serif;color:rgb(39,78,19);border:1pt solid windo=
wtext;padding:0in">&lt;image001.jpg&gt;</span></b><u></u><u></u></div></div>=
<div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibr=
i,sans-serif"><b><span style=3D"font-size:9.5pt;font-family:Verdana,sans-ser=
if;color:rgb(116,27,71)">315 Ninth Street</span></b><u></u><u></u></div></di=
v><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Cali=
bri,sans-serif"><b><span style=3D"font-size:9.5pt;font-family:Verdana,sans-s=
erif;color:rgb(116,27,71)">New Brighton, PA 15066</span></b><u></u><u></u></=
div></div><div><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;fon=
t-family:Calibri,sans-serif"><span style=3D"font-size:9.5pt;font-family:Verd=
ana,sans-serif">Direct</span><u></u><u></u></div></div><div style=3D"margin:=
0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span style=3D=
"font-size:9.5pt;font-family:Verdana,sans-serif">:</span><span style=3D"font=
-size:9.5pt"><span class=3D"m_5350141069156611649Apple-converted-space">&nbs=
p;</span></span><span style=3D"font-size:9.5pt;font-family:Verdana,sans-seri=
f">724-906-4832</span><u></u><u></u></div></div><div><div><div style=3D"marg=
in:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span sty=
le=3D"font-size:10pt;font-family:Verdana,sans-serif">Toll Free:<b>&nbsp;</b>=
800-372-7790&nbsp;Ext. 24</span><u></u><u></u></div></div></div></div><div><=
div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri=
,sans-serif"><span style=3D"font-size:9.5pt">&nbsp;</span><u></u><u></u></di=
v></div></div><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font=
-family:Calibri,sans-serif"><span style=3D"font-size:9.5pt;font-family:Verda=
na,sans-serif">Confidentiality Notice: This e-mail message, including any at=
tachments, is for the sole use of the intended recipient(s) and may contain c=
onfidential and privileged information. Any unauthorized review, use, disclo=
sure or distribution is prohibited. If you are not the intended recipient, p=
lease contact the sender by reply e-mail and destroy all copies of the origi=
nal message.</span></div></div></div></div></div></div></div></div></div></d=
iv></div></div></div></div></div></div></blockquote></div></div></blockquote=
></div></div></blockquote></div><br></div></div></div></blockquote></div></b=
lockquote></div></div>
</div></blockquote></div></body></html>=

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