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Subject: Re: Bank Option
From: Geoff Lusty <geoffl@webhstech.com>
In-Reply-To: <AE8296F4-5D33-439F-9EA8-04EA8CEE72E3@smbdu.com>
Date: Thu, 20 Sep 2018 10:49:20 -0400
Cc: Dave Novak <davenovak@webhstech.com>,
 Amanda Cantelmi <amandac@webhstech.com>,
 Ryan Wakim <ryanwakim@fortunemgmt.com>
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Message-Id: <82692DDC-95F5-47C1-B3C6-37D0C0D69F31@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>
To: "Chris Farrugia, DDS" <info@smbdu.com>
 
 Content preview:  Nerds! Geoff Lusty > On Sep 20, 2018, at 9:44 AM, Chris Farrugia,
    DDS <info@smbdu.com> wrote: > > Thanks for confirming. I arrived at the same
    conclusion. > > assuming: $3000/month overhead > assumin
 
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 Nerds!

Geoff Lusty

> 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 little=
 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 e=
ach and our rate of  8.90%. We would need 4 clients at those volumes. Our ov=
erhead 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@webhstec=
h.com>; Ryan Wakim <ryanwakim@fortunemgmt.com>
>> Subject: Re: Bank Option
>> =20
>> With my practice I can calculate a daily break even point (overhead) for e=
very workday which we used to develop daily production goals .... I'm wonder=
ing 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> wrote:=

>>> 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 and=
 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@webhs=
tech.com>; Ryan Wakim <ryanwakim@fortunemgmt.com>
>>> Subject: Re: Bank Option
>>> =20
>>> Dave, if we break the projected overhead down into a daily break even nu=
mber.... 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) is i=
f we chose First National Bank of PA (FNB).  That is the bank we use for HST=
 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@webhste=
ch.com>; Geoff Lusty <geoffl@webhstech.com>; Ryan Wakim <ryanwakim@fortunemg=
mt.com>
>>>> Subject: Bank Option
>>>> =20
>>>> Hi Everyone,
>>>> =20
>>>> After spending some time looking for a bank accessible to everyone, the=
 only option I came up with is PNC (Dave determined the same after doing his=
 own research).
>>>> =20
>>>> Chris - the nearest PNC branch to you is located about 25 mi west in Or=
ange Beach, AL.  Hopefully with all of the online and mobile banking capabil=
ities 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 off=
icial 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 attachments,=
 is for the sole use of the intended recipient(s) and may contain confidenti=
al and privileged information. Any unauthorized review, use, disclosure or d=
istribution is prohibited. If you are not the intended recipient, please con=
tact the sender by reply e-mail and destroy all copies of the original messa=
ge.
>=20

--Apple-Mail-46E846BA-E2A6-456E-ACE1-03163F062DDB
Content-Type: text/html;
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Content-Transfer-Encoding: quoted-printable

<html><head><meta http-equiv=3D"content-type" content=3D"text/html; charset=3D=
utf-8"></head><body dir=3D"auto">&nbsp;Nerds!<br><br><div id=3D"AppleMailSig=
nature">Geoff Lusty</div><div><br>On Sep 20, 2018, at 9:44 AM, Chris Farrugi=
a, DDS &lt;<a href=3D"mailto:info@smbdu.com">info@smbdu.com</a>&gt; wrote:<b=
r><br></div><blockquote type=3D"cite"><div><meta http-equiv=3D"Content-Type"=
 content=3D"text/html; charset=3Dutf-8">Thanks for confirming. &nbsp;I arriv=
ed at the same conclusion.<div class=3D""><br class=3D""></div><div class=3D=
"">assuming: $3000/month overhead&nbsp;<div class=3D"">assuming: 20 workdays=
 a month</div><div class=3D"">=3D$150 per day overhead</div><div class=3D"">=
<br class=3D""></div><div class=3D"">assuming: $2200 average claim paid</div=
><div class=3D"">assuming: 8.9% rate</div><div class=3D"">=3D$195.80 fee ear=
ned</div><div class=3D""><br class=3D""></div><div class=3D"">=3D0.76 claims=
 per day</div><div class=3D""><br class=3D""></div><div class=3D"">assuming:=
 maximum 3 hours of work total in an OSA claim</div><div class=3D"">=3D2.29 h=
ours of work/day to produce that volume</div><div class=3D""><br class=3D"">=
<div><br class=3D""><blockquote type=3D"cite" class=3D""><div class=3D"">On S=
ep 20, 2018, at 6:25 AM, Dave Novak &lt;<a href=3D"mailto:davenovak@webhstec=
h.com" class=3D"">davenovak@webhstech.com</a>&gt; wrote:</div><br class=3D"A=
pple-interchange-newline"><div class=3D""><div class=3D"WordSection1" style=3D=
"page: WordSection1; caret-color: rgb(0, 0, 0); font-family: Helvetica; font=
-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: nor=
mal; letter-spacing: normal; text-align: start; text-indent: 0px; text-trans=
form: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-widt=
h: 0px; text-decoration: none;"><div style=3D"margin: 0in 0in 0.0001pt; font=
-size: 11pt; font-family: Calibri, sans-serif;" class=3D""><span style=3D"co=
lor: rgb(31, 73, 125);" class=3D"">Initially it looks like we would only nee=
d to average processing a little less than 1 sleep claim per day to break ev=
en.<o:p class=3D""></o:p></span></div><div style=3D"margin: 0in 0in 0.0001pt=
; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D""><span style=
=3D"color: rgb(31, 73, 125);" class=3D""><o:p class=3D"">&nbsp;</o:p></span>=
</div><div style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: C=
alibri, sans-serif;" class=3D""><span style=3D"color: rgb(31, 73, 125);" cla=
ss=3D"">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 volum=
es. Our overhead that we would need to cover at that point would be approxim=
ately $ 3,000/month.<o:p class=3D""></o:p></span></div><div style=3D"margin:=
 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=
=3D""><a name=3D"_MailEndCompose" class=3D""><span style=3D"color: rgb(31, 7=
3, 125);" class=3D""><o:p class=3D"">&nbsp;</o:p></span></a></div><div class=
=3D""><div style=3D"border-style: solid none none; border-top-width: 1pt; bo=
rder-top-color: rgb(225, 225, 225); padding: 3pt 0in 0in;" class=3D""><div s=
tyle=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, san=
s-serif;" class=3D""><b class=3D"">From:</b><span class=3D"Apple-converted-s=
pace">&nbsp;</span>Chris Farrugia, DDS [<a href=3D"mailto:info@smbdu.com" cl=
ass=3D"">mailto:info@smbdu.com</a>]<span class=3D"Apple-converted-space">&nb=
sp;</span><br class=3D""><b class=3D"">Sent:</b><span class=3D"Apple-convert=
ed-space">&nbsp;</span>Wednesday, September 19, 2018 8:03 PM<br class=3D""><=
b class=3D"">To:</b><span class=3D"Apple-converted-space">&nbsp;</span>Dave N=
ovak &lt;<a href=3D"mailto:davenovak@webhstech.com" class=3D"">davenovak@web=
hstech.com</a>&gt;<br class=3D""><b class=3D"">Cc:</b><span class=3D"Apple-c=
onverted-space">&nbsp;</span>Geoff Lusty &lt;<a href=3D"mailto:geoffl@webhst=
ech.com" class=3D"">geoffl@webhstech.com</a>&gt;; Amanda Cantelmi &lt;<a hre=
f=3D"mailto:amandac@webhstech.com" class=3D"">amandac@webhstech.com</a>&gt;;=
 Ryan Wakim &lt;<a href=3D"mailto:ryanwakim@fortunemgmt.com" class=3D"">ryan=
wakim@fortunemgmt.com</a>&gt;<br class=3D""><b class=3D"">Subject:</b><span c=
lass=3D"Apple-converted-space">&nbsp;</span>Re: Bank Option<o:p class=3D""><=
/o:p></div></div></div><div style=3D"margin: 0in 0in 0.0001pt; font-size: 11=
pt; font-family: Calibri, sans-serif;" class=3D""><o:p class=3D"">&nbsp;</o:=
p></div><p class=3D"MsoNormal" style=3D"margin: 0in 0in 12pt; font-size: 11p=
t; font-family: Calibri, sans-serif;">With my practice I can calculate a dai=
ly break even point (overhead) for every workday which we used to develop da=
ily production goals .... I'm wondering what ours will be when we start....<=
span style=3D"font-size: 12pt;" class=3D""><o:p class=3D""></o:p></span></p>=
<div class=3D""><div style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; fon=
t-family: Calibri, sans-serif;" class=3D"">Sent from Chris's Excellent iPhon=
e<o:p class=3D""></o:p></div></div><div class=3D""><p class=3D"MsoNormal" st=
yle=3D"margin: 0in 0in 12pt; font-size: 11pt; font-family: Calibri, sans-ser=
if;"><br class=3D""></p>On Sep 19, 2018, at 2:46 PM, Dave Novak &lt;<a href=3D=
"mailto:davenovak@webhstech.com" style=3D"color: rgb(149, 79, 114); text-dec=
oration: underline;" class=3D"">davenovak@webhstech.com</a>&gt; wrote:<o:p c=
lass=3D""></o:p><p></p></div><blockquote style=3D"margin-top: 5pt; margin-bo=
ttom: 5pt;" class=3D"" type=3D"cite"><div class=3D""><div style=3D"margin: 0=
in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D=
""><span style=3D"color: rgb(31, 73, 125);" class=3D"">Sorry Chris, not unde=
rstanding your question fully=E2=80=A6</span><o:p class=3D""></o:p></div><di=
v style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, s=
ans-serif;" class=3D""><span style=3D"color: rgb(31, 73, 125);" class=3D"">&=
nbsp;</span><o:p class=3D""></o:p></div><div style=3D"margin: 0in 0in 0.0001=
pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D""><span sty=
le=3D"color: rgb(31, 73, 125);" class=3D"">Please give me a little more info=
 on what end game you are going for and I can get that number for you.</span=
><o:p class=3D""></o:p></div><div style=3D"margin: 0in 0in 0.0001pt; font-si=
ze: 11pt; font-family: Calibri, sans-serif;" class=3D""><span style=3D"color=
: rgb(31, 73, 125);" class=3D"">&nbsp;</span><o:p class=3D""></o:p></div><di=
v style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, s=
ans-serif;" class=3D""><span style=3D"color: rgb(31, 73, 125);" class=3D"">&=
nbsp;</span><o:p class=3D""></o:p></div><div class=3D""><div style=3D"border=
-style: solid none none; border-top-width: 1pt; border-top-color: rgb(225, 2=
25, 225); padding: 3pt 0in 0in;" class=3D""><div style=3D"margin: 0in 0in 0.=
0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D""><b cl=
ass=3D"">From:</b><span class=3D"Apple-converted-space">&nbsp;</span>Chris Fa=
rrugia, DDS [<a href=3D"mailto:info@smbdu.com" style=3D"color: rgb(149, 79, 1=
14); text-decoration: underline;" class=3D"">mailto:info@smbdu.com</a>]<span=
 class=3D"Apple-converted-space">&nbsp;</span><br class=3D""><b class=3D"">S=
ent:</b><span class=3D"Apple-converted-space">&nbsp;</span>Wednesday, Septem=
ber 19, 2018 4:40 PM<br class=3D""><b class=3D"">To:</b><span class=3D"Apple=
-converted-space">&nbsp;</span>Geoff Lusty &lt;<a href=3D"mailto:geoffl@webh=
stech.com" style=3D"color: rgb(149, 79, 114); text-decoration: underline;" c=
lass=3D"">geoffl@webhstech.com</a>&gt;<br class=3D""><b class=3D"">Cc:</b><s=
pan class=3D"Apple-converted-space">&nbsp;</span>Amanda Cantelmi &lt;<a href=
=3D"mailto:amandac@webhstech.com" style=3D"color: rgb(149, 79, 114); text-de=
coration: underline;" class=3D"">amandac@webhstech.com</a>&gt;; Dave Novak &=
lt;<a href=3D"mailto:davenovak@webhstech.com" style=3D"color: rgb(149, 79, 1=
14); text-decoration: underline;" class=3D"">davenovak@webhstech.com</a>&gt;=
; Ryan Wakim &lt;<a href=3D"mailto:ryanwakim@fortunemgmt.com" style=3D"color=
: rgb(149, 79, 114); text-decoration: underline;" class=3D"">ryanwakim@fortu=
nemgmt.com</a>&gt;<br class=3D""><b class=3D"">Subject:</b><span class=3D"Ap=
ple-converted-space">&nbsp;</span>Re: Bank Option<o:p class=3D""></o:p></div=
></div></div><div style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-f=
amily: Calibri, sans-serif;" class=3D"">&nbsp;<o:p class=3D""></o:p></div><d=
iv style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri,=
 sans-serif;" class=3D"">Dave, if we break the projected overhead down into a=
 daily break even number.... what would that be?<o:p class=3D""></o:p></div>=
<div class=3D""><p class=3D"MsoNormal" style=3D"margin: 0in 0in 12pt; font-s=
ize: 11pt; font-family: Calibri, sans-serif;">&nbsp;<o:p class=3D""></o:p></=
p><div class=3D""><div style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; f=
ont-family: Calibri, sans-serif;" class=3D"">Sent from Chris's Excellent iPh=
one<o:p class=3D""></o:p></div></div><div class=3D""><p class=3D"MsoNormal" s=
tyle=3D"margin: 0in 0in 12pt; font-size: 11pt; font-family: Calibri, sans-se=
rif;"><br class=3D""></p>On Aug 28, 2018, at 9:49 AM, Geoff Lusty &lt;<a hre=
f=3D"mailto:geoffl@webhstech.com" style=3D"color: rgb(149, 79, 114); text-de=
coration: underline;" class=3D"">geoffl@webhstech.com</a>&gt; wrote:<o:p cla=
ss=3D""></o:p><p></p></div><blockquote style=3D"margin-top: 5pt; margin-bott=
om: 5pt;" class=3D"" type=3D"cite"><div class=3D""><div style=3D"margin: 0in=
 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D"=
">I am 100% OK with that choice.<o:p class=3D""></o:p></div><div style=3D"ma=
rgin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" c=
lass=3D"">&nbsp;<o:p class=3D""></o:p></div><div style=3D"margin: 0in 0in 0.=
0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D"">One o=
ther option (which would make banking super simple for Amanda) is if we chos=
e First National Bank of PA (FNB).&nbsp; That is the bank we use for HST and=
 we make daily deposits there (sometimes several trips).&nbsp;<span class=3D=
"Apple-converted-space">&nbsp;</span><o:p class=3D""></o:p></div><div style=3D=
"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif=
;" class=3D"">&nbsp;<o:p class=3D""></o:p></div><div style=3D"margin: 0in 0i=
n 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D"">E=
ither way, I am fine with either PNC or FNB.<o:p class=3D""></o:p></div><div=
 style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, s=
ans-serif;" class=3D"">&nbsp;<o:p class=3D""></o:p></div><div style=3D"margi=
n: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" cla=
ss=3D"">Geoff Lusty<o:p class=3D""></o:p></div><div style=3D"margin: 0in 0in=
 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D"">Vi=
ce President =E2=80=93 HST<o:p class=3D""></o:p></div><div style=3D"margin: 0=
in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D=
""><a href=3D"mailto:geoffl@webhstech.com" style=3D"color: rgb(149, 79, 114)=
; text-decoration: underline;" class=3D""><span style=3D"color: blue;" class=
=3D"">geoffl@webhstech.com</span></a><o:p class=3D""></o:p></div><div style=3D=
"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif=
;" class=3D"">ph. (724) 304-4864<o:p class=3D""></o:p></div><div style=3D"ma=
rgin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" c=
lass=3D"">&nbsp;<o:p class=3D""></o:p></div><div style=3D"margin: 0in 0in 0.=
0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D""><b cl=
ass=3D"">From:</b><span class=3D"Apple-converted-space">&nbsp;</span>Amanda C=
antelmi &lt;<a href=3D"mailto:amandac@webhstech.com" style=3D"color: rgb(149=
, 79, 114); text-decoration: underline;" class=3D"">amandac@webhstech.com</a=
>&gt;<span class=3D"Apple-converted-space">&nbsp;</span><br class=3D""><b cl=
ass=3D"">Sent:</b><span class=3D"Apple-converted-space">&nbsp;</span>Tuesday=
, August 28, 2018 9:46 AM<br class=3D""><b class=3D"">To:</b><span class=3D"=
Apple-converted-space">&nbsp;</span>Chris Farrugia, DDS &lt;<a href=3D"mailt=
o:info@smbdu.com" style=3D"color: rgb(149, 79, 114); text-decoration: underl=
ine;" class=3D"">info@smbdu.com</a>&gt;; Dave Novak &lt;<a href=3D"mailto:da=
venovak@webhstech.com" style=3D"color: rgb(149, 79, 114); text-decoration: u=
nderline;" class=3D"">davenovak@webhstech.com</a>&gt;; Geoff Lusty &lt;<a hr=
ef=3D"mailto:geoffl@webhstech.com" style=3D"color: rgb(149, 79, 114); text-d=
ecoration: underline;" class=3D"">geoffl@webhstech.com</a>&gt;; Ryan Wakim &=
lt;<a href=3D"mailto:ryanwakim@fortunemgmt.com" style=3D"color: rgb(149, 79,=
 114); text-decoration: underline;" class=3D"">ryanwakim@fortunemgmt.com</a>=
&gt;<br class=3D""><b class=3D"">Subject:</b><span class=3D"Apple-converted-=
space">&nbsp;</span>Bank Option<o:p class=3D""></o:p></div><div style=3D"mar=
gin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" c=
lass=3D"">&nbsp;<o:p class=3D""></o:p></div><div class=3D""><div style=3D"ma=
rgin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" c=
lass=3D"">Hi Everyone,<o:p class=3D""></o:p></div><div class=3D""><div style=
=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-se=
rif;" class=3D"">&nbsp;<o:p class=3D""></o:p></div></div><div class=3D""><di=
v style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, s=
ans-serif;" class=3D"">After spending some time looking for a bank accessibl=
e to everyone, the only option I came up with is PNC (Dave determined the sa=
me after doing his own research).<o:p class=3D""></o:p></div></div><div clas=
s=3D""><div style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family:=
 Calibri, sans-serif;" class=3D"">&nbsp;<o:p class=3D""></o:p></div></div><d=
iv class=3D""><div style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-=
family: Calibri, sans-serif;" class=3D"">Chris - the nearest PNC branch to y=
ou is located about 25 mi west in Orange Beach, AL.&nbsp; Hopefully with all=
 of the online and mobile banking capabilities you will not have to make a s=
pecial trip very often.<o:p class=3D""></o:p></div></div><div class=3D""><di=
v style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, s=
ans-serif;" class=3D"">&nbsp;<o:p class=3D""></o:p></div></div><div class=3D=
""><div style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Cal=
ibri, sans-serif;" class=3D"">Please let us know if anyone has any objection=
s to using PNC as the official bank of IPS/OSA.&nbsp; If none, Geoff will es=
tablish an account this week.<o:p class=3D""></o:p></div></div><div class=3D=
""><div style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Cal=
ibri, sans-serif;" class=3D"">&nbsp;<o:p class=3D""></o:p></div></div><div c=
lass=3D""><div style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-fami=
ly: Calibri, sans-serif;" class=3D"">&nbsp;&nbsp;<o:p class=3D""></o:p></div=
></div><div class=3D""><div class=3D""><div class=3D""><div class=3D""><div c=
lass=3D""><div class=3D""><div class=3D""><div class=3D""><div class=3D""><d=
iv class=3D""><div class=3D""><div class=3D""><div style=3D"margin: 0in 0in 0=
.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D""><b c=
lass=3D""><span style=3D"font-size: 13.5pt; font-family: &quot;Trebuchet MS&=
quot;, sans-serif; color: rgb(116, 27, 71);" class=3D"">Amanda Cantelmi</spa=
n></b><o:p class=3D""></o:p></div></div><div class=3D""><div style=3D"margin=
: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" clas=
s=3D""><span style=3D"font-size: 10pt; font-family: Verdana, sans-serif; col=
or: rgb(116, 27, 71);" class=3D"">Executive Assistant</span><o:p class=3D"">=
</o:p></div></div><div class=3D""><div style=3D"margin: 0in 0in 0.0001pt; fo=
nt-size: 11pt; font-family: Calibri, sans-serif;" class=3D"">&nbsp;<o:p clas=
s=3D""></o:p></div></div><div class=3D""><div class=3D""><div class=3D""><di=
v style=3D"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, s=
ans-serif;" class=3D""><b class=3D""><span style=3D"font-size: 12pt; font-fa=
mily: Verdana, sans-serif; color: rgb(39, 78, 19); border: 1pt solid windowt=
ext; padding: 0in;" class=3D"">&lt;image001.jpg&gt;</span></b><o:p class=3D"=
"></o:p></div></div><div class=3D""><div style=3D"margin: 0in 0in 0.0001pt; f=
ont-size: 11pt; font-family: Calibri, sans-serif;" class=3D""><b class=3D"">=
<span style=3D"font-size: 9.5pt; font-family: Verdana, sans-serif; color: rg=
b(116, 27, 71);" class=3D"">315 Ninth Street</span></b><o:p class=3D""></o:p=
></div></div><div class=3D""><div style=3D"margin: 0in 0in 0.0001pt; font-si=
ze: 11pt; font-family: Calibri, sans-serif;" class=3D""><b class=3D""><span s=
tyle=3D"font-size: 9.5pt; font-family: Verdana, sans-serif; color: rgb(116, 2=
7, 71);" class=3D"">New Brighton, PA 15066</span></b><o:p class=3D""></o:p><=
/div></div><div class=3D""><div class=3D""><div style=3D"margin: 0in 0in 0.0=
001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D""><span s=
tyle=3D"font-size: 9.5pt; font-family: Verdana, sans-serif;" class=3D"">Dire=
ct</span><o:p class=3D""></o:p></div></div><div style=3D"margin: 0in 0in 0.0=
001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D""><span s=
tyle=3D"font-size: 9.5pt; font-family: Verdana, sans-serif;" class=3D"">:</s=
pan><span style=3D"font-size: 9.5pt;" class=3D""><span class=3D"Apple-conver=
ted-space">&nbsp;</span></span><span style=3D"font-size: 9.5pt; font-family:=
 Verdana, sans-serif;" class=3D"">724-906-4832</span><o:p class=3D""></o:p><=
/div></div><div class=3D""><div class=3D""><div style=3D"margin: 0in 0in 0.0=
001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D""><span s=
tyle=3D"font-size: 10pt; font-family: Verdana, sans-serif;" class=3D"">Toll =
Free:<b class=3D"">&nbsp;</b>800-372-7790&nbsp;Ext. 24</span><o:p class=3D""=
></o:p></div></div></div></div><div class=3D""><div class=3D""><div style=3D=
"margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif=
;" class=3D""><span style=3D"font-size: 9.5pt;" class=3D"">&nbsp;</span><o:p=
 class=3D""></o:p></div></div></div><div class=3D""><div style=3D"margin: 0i=
n 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=3D=
""><span style=3D"font-size: 9.5pt; font-family: Verdana, sans-serif;" class=
=3D"">Confidentiality Notice: This e-mail message, including any attachments=
, is for the sole use of the intended recipient(s) and may contain confident=
ial and privileged information. Any unauthorized review, use, disclosure or d=
istribution is prohibited. If you are not the intended recipient, please con=
tact the sender by reply e-mail and destroy all copies of the original messa=
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</div></div></div></div></div></blockquote></div></div></blockquote></div></=
div></blockquote></div><br class=3D""></div></div></div></blockquote></body>=
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