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In-Reply-To: <82692DDC-95F5-47C1-B3C6-37D0C0D69F31@webhstech.com>
From: Ryan Wakim <ryanwakim@fortunemgmt.com>
Date: Thu, 20 Sep 2018 10:58:35 -0400
Message-ID: <CAMy_+=n83Sin+HjozY9H9_G4iTx_rCAfC7SNv=t-S-x0VfaWsg@mail.gmail.com>
Subject: Re: Bank Option
To: Geoff Lusty <geoffl@webhstech.com>
Cc: "Chris Farrugia, DDS" <info@smbdu.com>, Dave Novak <davenovak@webhstech.com>, 
	Amanda Cantelmi <amandac@webhstech.com>
Content-Type: multipart/alternative; boundary="0000000000009c0a5105764ec269"
 
 Content preview:  Geoff, I know I asked this before but I cant find the text/email.
    Where do we send the money? 3000 correct? Ryan J. Wakim, M.D. [image: http://www.fortunemgmt.com/Images_Content/Site1/Images/Layout/FM
 
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Geoff, I know I asked this before but I cant find the text/email. Where do
we send the money? 3000 correct?

Ryan J. Wakim, M.D.


[image:
http://www.fortunemgmt.com/Images_Content/Site1/Images/Layout/FM_Logo2.png]

*RYAN J. WAKIM, M.D.* *|*
* Managing Partner & Executive Coach for West Virginia & Columbus*

*MOBILE:* 304-280-7337
*OFFICE: *304-933-9123
*FAX:       *304-885-7555
*WEBSITE*: www.Fortunemgmt.com <http://www.fortunemgmt.com/westvirginia>
*FACEBOOK: *@FortunemgmtWV <https://www.facebook.com/fortunemgmtWV/>

CALL SCHEDULING <https://calendly.com/ryanwakim>

LISTEN TO OUR PODCAST <http://www.fortunemgmt.com/article.cfm?Cat=3D10>


This email, including any attachments hereto, is covered and protected by
the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510-2521,
and is legally privileged. This e-mail may also contain protected health
information which the wrongful disclosure or use thereof is prohibited 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 exclusive and
confidential use of the intended recipient indicated. If you are not the
intended recipient, any such disclosure, copying, use, or other
distributions of the information contained in this e-mail is strictly
prohibited. If you 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 copies made.


On Thu, Sep 20, 2018 at 10:49 AM Geoff Lusty <geoffl@webhstech.com> wrote:

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

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Content-Transfer-Encoding: quoted-printable

<div dir=3D"ltr">Geoff, I know I asked this before but I cant find the text=
/email. Where do we send the money? 3000 correct?<div><br clear=3D"all"><di=
v><div dir=3D"ltr" class=3D"gmail_signature" data-smartmail=3D"gmail_signat=
ure"><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"l=
tr"><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"><d=
iv 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 style=3D"font-size:12.8px">=
<span style=3D"font-size:12.8px">Ryan J. Wakim, M.D.</span><br></div><div s=
tyle=3D"font-size:12.8px"><br></div><div style=3D"font-size:12.8px"><br></d=
iv><div><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr" style=3D"font-si=
ze:12.8px"><div><div style=3D"color:rgb(136,136,136)"><img alt=3D"http://ww=
w.fortunemgmt.com/Images_Content/Site1/Images/Layout/FM_Logo2.png" src=3D"h=
ttp://www.fortunemgmt.com/Images_Content/Site1/Images/Layout/FM_Logo2.png">=
<br><span style=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)">=C2=
=A0</i><i style=3D"color:rgb(11,83,148)">|</i><i><font color=3D"#000000">=
=C2=A0</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></span></div><div style=3D"font-size:12.8px;color:rgb(136=
,136,136)"><span style=3D"color:rgb(0,0,0)"><i>MOBILE:</i>=C2=A0</span>304-=
280-7337<span style=3D"color:rgb(0,0,0)"><br></span></div><span style=3D"fo=
nt-size:12.8px;color:rgb(136,136,136)"><div><span style=3D"color:rgb(0,0,25=
5)"><span style=3D"color:rgb(111,168,220)"><span style=3D"color:rgb(0,0,0)"=
><i>OFFICE: </i></span></span></span>304-933-9123</div></span></div></div><=
/div></div></div></div></div></div></div></div></div></div></div></div></di=
v></div></div></div></div></div></div></div></div></div><div><div dir=3D"lt=
r"><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"><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><div dir=3D"ltr"><div dir=
=3D"ltr"><div style=3D"text-align:left;color:rgb(136,136,136);font-size:12.=
8px"><span style=3D"color:rgb(0,0,255)"><span style=3D"color:rgb(111,168,22=
0)"><span style=3D"color:rgb(0,0,0)"><i>FAX: =C2=A0 =C2=A0 =C2=A0 </i></spa=
n></span></span>304-885-7555</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 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"><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"><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>:</span>=C2=A0<a href=3D"ht=
tp://www.fortunemgmt.com/westvirginia" target=3D"_blank">www.Fortunemgmt.co=
m</a></span></span></div><div style=3D"color:rgb(136,136,136);font-size:12.=
8px"><i style=3D"font-size:12.8px;color:rgb(0,0,0)">FACEBOOK:=C2=A0</i><spa=
n style=3D"color:rgb(0,0,255)"><span style=3D"color:rgb(111,168,220)"><a hr=
ef=3D"https://www.facebook.com/fortunemgmtWV/" target=3D"_blank">@Fortunemg=
mtWV</a></span></span></div><div style=3D"color:rgb(136,136,136);font-size:=
12.8px"><span style=3D"color:rgb(0,0,255)"><div style=3D"color: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" target=3D"_blank">C=
ALL SCHEDULING</a><br></div></span></div><div><br></div><div><a href=3D"htt=
p://www.fortunemgmt.com/article.cfm?Cat=3D10" style=3D"font-size:12.8px" ta=
rget=3D"_blank">LISTEN TO OUR PODCAST</a><span style=3D"color:rgb(255,255,2=
55);font-size:12.8px"><br></span></div><div style=3D"color:rgb(136,136,136)=
;font-size:12.8px"><br></div><div style=3D"font-size:12.8px;color:rgb(136,1=
36,136)"><span style=3D"color:rgb(0,0,255)"><span style=3D"color:rgb(111,16=
8,220)"><span></span><span></span><br></span></span></div><div style=3D"fon=
t-size:12.8px;color:rgb(136,136,136)"><span style=3D"color:rgb(34,34,34);fo=
nt-size:12.8px">This email, including any attachments hereto, is covered an=
d protected by the Electronic Communications Privacy Act, 18 U.S.C. Section=
s 2510-2521, and is legally privileged. This e-mail may also contain protec=
ted health information which the wrongful disclosure or use thereof is proh=
ibited 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=
 the intended recipient, any such disclosure, copying, use, or other distri=
butions of the information contained in this e-mail is strictly prohibited.=
 If you are not the intended recipient, please immediately contact us by re=
ply e-mail or by phone, and erase this e-mail from your records and destroy=
 all copies made.</span><span style=3D"color:rgb(0,0,255)"><span style=3D"c=
olor:rgb(111,168,220)"><br></span></span></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></div></div></div></div></div></di=
v></div><br><input name=3D"virtru-metadata" type=3D"hidden" value=3D"{&quot=
;email-policy&quot;:{&quot;state&quot;:&quot;closed&quot;,&quot;expirationU=
nit&quot;:&quot;days&quot;,&quot;disableCopyPaste&quot;:false,&quot;disable=
Print&quot;:false,&quot;disableForwarding&quot;:false,&quot;expires&quot;:f=
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id&quot;:&quot;5&quot;,&quot;compose-window&quot;:{&quot;secure&quot;:false=
}}"></div><br><div class=3D"gmail_quote" style=3D""><div dir=3D"ltr">On Thu=
, Sep 20, 2018 at 10:49 AM Geoff Lusty &lt;<a href=3D"mailto:geoffl@webhste=
ch.com">geoffl@webhstech.com</a>&gt; wrote:<br></div><blockquote class=3D"g=
mail_quote" style=3D"margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-l=
eft:1ex"><div dir=3D"auto">=C2=A0Nerds!<br><br><div id=3D"m_535014106915661=
1649AppleMailSignature">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"_bl=
ank">info@smbdu.com</a>&gt; wrote:<br><br></div><blockquote type=3D"cite"><=
div>Thanks for confirming.=C2=A0 I arrived at the same conclusion.<div><br>=
</div><div>assuming: $3000/month overhead=C2=A0<div>assuming: 20 workdays a=
 month</div><div>=3D$150 per day 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></div><div>=3D0.76 claims per day</div><div><br=
></div><div>assuming: maximum 3 hours of work total in an OSA claim</div><d=
iv>=3D2.29 hours of work/day to produce that volume</div><div><br><div><br>=
<blockquote type=3D"cite"><div>On Sep 20, 2018, at 6:25 AM, Dave Novak &lt;=
<a href=3D"mailto:davenovak@webhstech.com" target=3D"_blank">davenovak@webh=
stech.com</a>&gt; wrote:</div><br class=3D"m_5350141069156611649Apple-inter=
change-newline"><div><div class=3D"m_5350141069156611649WordSection1" style=
=3D"font-family:Helvetica;font-size:12px;font-style:normal;font-variant-cap=
s:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-ind=
ent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decora=
tion:none"><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family=
:Calibri,sans-serif"><span style=3D"color:rgb(31,73,125)">Initially it look=
s like we would only need to average processing a little less than 1 sleep =
claim per day to break even.<u></u><u></u></span></div><div style=3D"margin=
:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span styl=
e=3D"color:rgb(31,73,125)"><u></u>=C2=A0<u></u></span></div><div style=3D"m=
argin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span=
 style=3D"color:rgb(31,73,125)">That is using our assumption of 4 claims/cl=
ient/month @ $ 2,200 paid on each and our rate of=C2=A0 8.90%. We would nee=
d 4 clients at those volumes. Our overhead that we would need to cover at t=
hat point would be approximately $ 3,000/month.<u></u><u></u></span></div><=
div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,san=
s-serif"><a name=3D"m_5350141069156611649__MailEndCompose"><span style=3D"c=
olor:rgb(31,73,125)"><u></u>=C2=A0<u></u></span></a></div><div><div style=
=3D"border-style:solid none none;border-top-width:1pt;border-top-color:rgb(=
225,225,225);padding:3pt 0in 0in"><div style=3D"margin:0in 0in 0.0001pt;fon=
t-size:11pt;font-family:Calibri,sans-serif"><b>From:</b><span class=3D"m_53=
50141069156611649Apple-converted-space">=C2=A0</span>Chris Farrugia, DDS [<=
a href=3D"mailto:info@smbdu.com" target=3D"_blank">mailto:info@smbdu.com</a=
>]<span class=3D"m_5350141069156611649Apple-converted-space">=C2=A0</span><=
br><b>Sent:</b><span class=3D"m_5350141069156611649Apple-converted-space">=
=C2=A0</span>Wednesday, September 19, 2018 8:03 PM<br><b>To:</b><span class=
=3D"m_5350141069156611649Apple-converted-space">=C2=A0</span>Dave Novak &lt=
;<a href=3D"mailto:davenovak@webhstech.com" target=3D"_blank">davenovak@web=
hstech.com</a>&gt;<br><b>Cc:</b><span class=3D"m_5350141069156611649Apple-c=
onverted-space">=C2=A0</span>Geoff Lusty &lt;<a href=3D"mailto:geoffl@webhs=
tech.com" target=3D"_blank">geoffl@webhstech.com</a>&gt;; Amanda Cantelmi &=
lt;<a href=3D"mailto:amandac@webhstech.com" target=3D"_blank">amandac@webhs=
tech.com</a>&gt;; Ryan Wakim &lt;<a href=3D"mailto:ryanwakim@fortunemgmt.co=
m" target=3D"_blank">ryanwakim@fortunemgmt.com</a>&gt;<br><b>Subject:</b><s=
pan class=3D"m_5350141069156611649Apple-converted-space">=C2=A0</span>Re: B=
ank Option<u></u><u></u></div></div></div><div style=3D"margin:0in 0in 0.00=
01pt;font-size:11pt;font-family:Calibri,sans-serif"><u></u>=C2=A0<u></u></d=
iv><p class=3D"MsoNormal" style=3D"margin:0in 0in 12pt;font-size:11pt;font-=
family:Calibri,sans-serif">With my practice I can calculate a daily break e=
ven point (overhead) for every workday which we used to develop daily produ=
ction goals .... I&#39;m wondering what ours will be when we start....<span=
 style=3D"font-size:12pt"><u></u><u></u></span></p><div><div style=3D"margi=
n:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">Sent from=
 Chris&#39;s Excellent iPhone<u></u><u></u></div></div><div><p class=3D"Mso=
Normal" style=3D"margin:0in 0in 12pt;font-size:11pt;font-family:Calibri,san=
s-serif"><br></p>On Sep 19, 2018, at 2:46 PM, Dave Novak &lt;<a href=3D"mai=
lto:davenovak@webhstech.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><blockquote style=3D"margin-top:5pt;margin-bottom:5pt" =
type=3D"cite"><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;fon=
t-family:Calibri,sans-serif"><span style=3D"color:rgb(31,73,125)">Sorry Chr=
is, not understanding your question fully=E2=80=A6</span><u></u><u></u></di=
v><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,=
sans-serif"><span style=3D"color:rgb(31,73,125)">=C2=A0</span><u></u><u></u=
></div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Cal=
ibri,sans-serif"><span style=3D"color:rgb(31,73,125)">Please give me a litt=
le more info on what end game you are going for and I can get that number f=
or you.</span><u></u><u></u></div><div style=3D"margin:0in 0in 0.0001pt;fon=
t-size:11pt;font-family:Calibri,sans-serif"><span style=3D"color:rgb(31,73,=
125)">=C2=A0</span><u></u><u></u></div><div style=3D"margin:0in 0in 0.0001p=
t;font-size:11pt;font-family:Calibri,sans-serif"><span style=3D"color:rgb(3=
1,73,125)">=C2=A0</span><u></u><u></u></div><div><div style=3D"border-style=
:solid none none;border-top-width:1pt;border-top-color:rgb(225,225,225);pad=
ding:3pt 0in 0in"><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font=
-family:Calibri,sans-serif"><b>From:</b><span class=3D"m_535014106915661164=
9Apple-converted-space">=C2=A0</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_53501410691566=
11649Apple-converted-space">=C2=A0</span><br><b>Sent:</b><span class=3D"m_5=
350141069156611649Apple-converted-space">=C2=A0</span>Wednesday, September =
19, 2018 4:40 PM<br><b>To:</b><span class=3D"m_5350141069156611649Apple-con=
verted-space">=C2=A0</span>Geoff Lusty &lt;<a href=3D"mailto:geoffl@webhste=
ch.com" style=3D"color:rgb(149,79,114);text-decoration:underline" target=3D=
"_blank">geoffl@webhstech.com</a>&gt;<br><b>Cc:</b><span class=3D"m_5350141=
069156611649Apple-converted-space">=C2=A0</span>Amanda Cantelmi &lt;<a href=
=3D"mailto:amandac@webhstech.com" style=3D"color:rgb(149,79,114);text-decor=
ation:underline" target=3D"_blank">amandac@webhstech.com</a>&gt;; Dave Nova=
k &lt;<a href=3D"mailto:davenovak@webhstech.com" style=3D"color:rgb(149,79,=
114);text-decoration:underline" target=3D"_blank">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" target=3D"_blank">ryan=
wakim@fortunemgmt.com</a>&gt;<br><b>Subject:</b><span class=3D"m_5350141069=
156611649Apple-converted-space">=C2=A0</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">=C2=A0<u></u><u></u></div><div style=3D"margin:0=
in 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 w=
ould that be?<u></u><u></u></div><div><p class=3D"MsoNormal" style=3D"margi=
n:0in 0in 12pt;font-size:11pt;font-family:Calibri,sans-serif">=C2=A0<u></u>=
<u></u></p><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-f=
amily:Calibri,sans-serif">Sent from Chris&#39;s Excellent iPhone<u></u><u><=
/u></div></div><div><p class=3D"MsoNormal" style=3D"margin:0in 0in 12pt;fon=
t-size:11pt;font-family:Calibri,sans-serif"><br></p>On Aug 28, 2018, at 9:4=
9 AM, Geoff Lusty &lt;<a href=3D"mailto:geoffl@webhstech.com" style=3D"colo=
r:rgb(149,79,114);text-decoration:underline" target=3D"_blank">geoffl@webhs=
tech.com</a>&gt; wrote:<u></u><u></u><p></p></div><blockquote style=3D"marg=
in-top:5pt;margin-bottom:5pt" type=3D"cite"><div><div style=3D"margin:0in 0=
in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">I am 100% OK wit=
h that choice.<u></u><u></u></div><div style=3D"margin:0in 0in 0.0001pt;fon=
t-size:11pt;font-family:Calibri,sans-serif">=C2=A0<u></u><u></u></div><div =
style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-se=
rif">One other option (which would make banking super simple for Amanda) is=
 if we chose First National Bank of PA (FNB).=C2=A0 That is the bank we use=
 for HST and we make daily deposits there (sometimes several trips).=C2=A0<=
span class=3D"m_5350141069156611649Apple-converted-space">=C2=A0</span><u><=
/u><u></u></div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-f=
amily:Calibri,sans-serif">=C2=A0<u></u><u></u></div><div style=3D"margin:0i=
n 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">Either way, I=
 am fine with either PNC or FNB.<u></u><u></u></div><div style=3D"margin:0i=
n 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">=C2=A0<u></u>=
<u></u></div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-fami=
ly:Calibri,sans-serif">Geoff Lusty<u></u><u></u></div><div style=3D"margin:=
0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">Vice Presid=
ent =E2=80=93 HST<u></u><u></u></div><div style=3D"margin:0in 0in 0.0001pt;=
font-size:11pt;font-family:Calibri,sans-serif"><a href=3D"mailto:geoffl@web=
hstech.com" style=3D"color:rgb(149,79,114);text-decoration:underline" targe=
t=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-f=
amily: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">=
=C2=A0<u></u><u></u></div><div style=3D"margin:0in 0in 0.0001pt;font-size:1=
1pt;font-family:Calibri,sans-serif"><b>From:</b><span class=3D"m_5350141069=
156611649Apple-converted-space">=C2=A0</span>Amanda Cantelmi &lt;<a href=3D=
"mailto:amandac@webhstech.com" style=3D"color:rgb(149,79,114);text-decorati=
on:underline" target=3D"_blank">amandac@webhstech.com</a>&gt;<span class=3D=
"m_5350141069156611649Apple-converted-space">=C2=A0</span><br><b>Sent:</b><=
span class=3D"m_5350141069156611649Apple-converted-space">=C2=A0</span>Tues=
day, August 28, 2018 9:46 AM<br><b>To:</b><span class=3D"m_5350141069156611=
649Apple-converted-space">=C2=A0</span>Chris Farrugia, DDS &lt;<a href=3D"m=
ailto:info@smbdu.com" style=3D"color:rgb(149,79,114);text-decoration:underl=
ine" target=3D"_blank">info@smbdu.com</a>&gt;; Dave Novak &lt;<a href=3D"ma=
ilto:davenovak@webhstech.com" style=3D"color:rgb(149,79,114);text-decoratio=
n:underline" target=3D"_blank">davenovak@webhstech.com</a>&gt;; Geoff Lusty=
 &lt;<a href=3D"mailto:geoffl@webhstech.com" style=3D"color:rgb(149,79,114)=
;text-decoration:underline" target=3D"_blank">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" target=3D"_blank">ryanwakim@for=
tunemgmt.com</a>&gt;<br><b>Subject:</b><span class=3D"m_5350141069156611649=
Apple-converted-space">=C2=A0</span>Bank Option<u></u><u></u></div><div sty=
le=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif=
">=C2=A0<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;font-family:Calib=
ri,sans-serif">=C2=A0<u></u><u></u></div></div><div><div style=3D"margin:0i=
n 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">After spendin=
g some time looking for a bank accessible to everyone, the only option I ca=
me 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 0.0001pt;font-si=
ze:11pt;font-family:Calibri,sans-serif">=C2=A0<u></u><u></u></div></div><di=
v><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 25 mi we=
st in Orange Beach, AL.=C2=A0 Hopefully with all of the online and mobile b=
anking capabilities you will not have to make a special trip very often.<u>=
</u><u></u></div></div><div><div style=3D"margin:0in 0in 0.0001pt;font-size=
:11pt;font-family:Calibri,sans-serif">=C2=A0<u></u><u></u></div></div><div>=
<div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sa=
ns-serif">Please let us know if anyone has any objections to using PNC as t=
he official bank of IPS/OSA.=C2=A0 If none, Geoff will establish an account=
 this week.<u></u><u></u></div></div><div><div style=3D"margin:0in 0in 0.00=
01pt;font-size:11pt;font-family:Calibri,sans-serif">=C2=A0<u></u><u></u></d=
iv></div><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-fam=
ily:Calibri,sans-serif">=C2=A0=C2=A0<u></u><u></u></div></div><div><div><di=
v><div><div><div><div><div><div><div><div><div><div style=3D"margin:0in 0in=
 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><b><span style=3D"=
font-size: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 s=
tyle=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-ser=
if"><span style=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 s=
tyle=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-ser=
if">=C2=A0<u></u><u></u></div></div><div><div><div><div style=3D"margin:0in=
 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><b><span style=
=3D"font-size:12pt;font-family:Verdana,sans-serif;color:rgb(39,78,19);borde=
r:1pt solid windowtext;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:Calibri,sans-serif"><b><span style=3D"font-size:9.5pt;font-fam=
ily:Verdana,sans-serif;color:rgb(116,27,71)">315 Ninth Street</span></b><u>=
</u><u></u></div></div><div><div style=3D"margin:0in 0in 0.0001pt;font-size=
:11pt;font-family:Calibri,sans-serif"><b><span style=3D"font-size:9.5pt;fon=
t-family:Verdana,sans-serif;color:rgb(116,27,71)">New Brighton, PA 15066</s=
pan></b><u></u><u></u></div></div><div><div><div style=3D"margin:0in 0in 0.=
0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span style=3D"font-s=
ize:9.5pt;font-family:Verdana,sans-serif">Direct</span><u></u><u></u></div>=
</div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-family:Cali=
bri,sans-serif"><span style=3D"font-size:9.5pt;font-family:Verdana,sans-ser=
if">:</span><span style=3D"font-size:9.5pt"><span class=3D"m_53501410691566=
11649Apple-converted-space">=C2=A0</span></span><span style=3D"font-size:9.=
5pt;font-family:Verdana,sans-serif">724-906-4832</span><u></u><u></u></div>=
</div><div><div><div style=3D"margin:0in 0in 0.0001pt;font-size:11pt;font-f=
amily:Calibri,sans-serif"><span style=3D"font-size:10pt;font-family:Verdana=
,sans-serif">Toll Free:<b>=C2=A0</b>800-372-7790=C2=A0Ext. 24</span><u></u>=
<u></u></div></div></div></div><div><div><div style=3D"margin:0in 0in 0.000=
1pt;font-size:11pt;font-family:Calibri,sans-serif"><span style=3D"font-size=
:9.5pt">=C2=A0</span><u></u><u></u></div></div></div><div><div style=3D"mar=
gin:0in 0in 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span s=
tyle=3D"font-size:9.5pt;font-family:Verdana,sans-serif">Confidentiality Not=
ice: This e-mail message, including any attachments, is for the sole use of=
 the intended recipient(s) and may contain confidential and privileged info=
rmation. Any unauthorized review, use, disclosure or distribution is prohib=
ited. If you are not the intended recipient, please contact the sender by r=
eply e-mail and destroy all copies of the original message.</span></div></d=
iv></div></div></div></div></div></div></div></div></div></div></div></div>=
</div></div></blockquote></div></div></blockquote></div></div></blockquote>=
</div><br></div></div></div></blockquote></div></blockquote></div></div>

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