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Business plan

Name of the company/Project

Sun Tzu, a BI/AI technology platform

Name and surname of the entrepreneur

Jonathan Camilleri

Version/date

2.0 dated 21st June 2015

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Index

SYNTESIS 3

1. PROJECT COMPANY 3

1.1. Geographical context31.2. Identification of the main purchaseres/users 31.3. Analysis of competitors 3

2. PRODUCTS, SERVICES3

2.1. Products /services description 32.2. Products life circle 42.3. Possible intermediaries 4

3. MARKET 4

3.1. Market view 43.2. Marketing and sales plan 4

4. MOTIVATIONS 4

4.1. Main motivations in the startup company44.2. Potential difficulties 44.3. Start-up activity strategies 5

5. LOCATION / LOGISTICS 5

5.1. Domicile 55.2. Logistics / administration 5

6. SWOT ANALYSIS OF PROJECT COMPANY 5

6.1. Project company strong points 56.2. Project company weak points 56.3. Project company opportunites 56.4. Project company risks 6

7. 4P MIX ANALYSIS: PRODUCT, PRICE, LOCATION, PROMOTION6

7.1. 4P analysis regarding available resources 67.2. 4P analysis regarding the needs to respond to 6

8. FINANCES 6

8.1. Retrospective and starting framework 68.2. Future perspectives (incomes and expenditures) 6

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8.3. Financial plan for 2 years (no VAT and with break-even analysis) 7

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SYNTESIS

The business project involves the software development, management, maintenance and marketing of an information systems targeted to be used for corporate strategic management, both within the private and within the non-profit making sector, including the public sector, which indicates an increasing perception of the use of corporate standards to measure organizational performance and align strategy to tactical objectives, re-engineering the processes and resources as required to meet the original strategic objectives.

The software project will involve designing, development and deployment of the software within a hosted cloud service, and, reselling it through a subscription-based administration information system.

Reporting and analytic capabilities are planned to be included, in order to read 'big data' into aggregated reports in the form of dashboards and reports that can allow trend analysis of the external and internal factors which may affect strategic direction and alignment within an organization. These include political factors, environmental concerns, social responsibilities, technologies and their impact, legal aspects and the global influence of international diplomatic and trade agreements.

Strategic management analyzes the major initiatives taken by a company's top management on behalf of owners, involving resources and performance in internal and external environments.[1] It entails specifying the organization's mission, vision and objectives, developing policies and plans, often in terms of projects and programs, which are designed to achieve these objectives, and then allocating resources to implement the policies and plans, projects and programs1.

According to Johnson and Scholes (1993), it can be seen as a matter of organisational decision making within a social, political and cultural context.

A balanced scorecard is often used to evaluate the overall performance of

1 Excerpts taken from Wikipedia, throughout this document with the kind permission to reproduce granted under the Creative Commons Attribution ShareAlike 3.0.

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the business and its progress towards objectives. Recent studies and leading management theorists have advocated that strategy needs to start with stakeholders expectations and use a modified balanced scorecard which includes all stakeholders.

We are proposing to design and implement an information system which serves as a decision support system and an executive support system, reading information from various external and internal sources of information and populating a data warehouse which can be queried through dashboards, or programmatically.

The name of the system is Sun Tzu, named after a famous Chinese military strategist and believed to be the author of The Art of War, which has had a significant impact on Asian history. The trademark will be registered with the appropriate authorities.

We are seeking around 500,000 EUR up to 1M EUR as start-up capital for infrastructure, professional consultancy, technical consultancy, architecture and implementation and global marketing of the software product, as we seek to compete in a saturated ICT global market, and, considerable funding is required for brand-equity.

PROJECT COMPANY: Geographical context

We are aiming to start-up a company located in the European Union, with a high preference for the United Kingdom and Malta, however, we might develop business relationships for the purposes of marketing and distribution of the software when this has been developed to good quality standards which are fit for commercial release. However we are open to opening up business links even beyond the European Union, having done research on opening business in other parts of the world as well, that would certainly require extensive research into business and culture prior to opening up business.

Our services can potentially serve the needs of corporate customers and retail markets in the case of using computer retail outlets such as "computer shops" to make a household name of this venture.

We do not exclude making use of outsourcing, however, the entrepreneur hopes that this company will be a part of a group of companies that builds itself a brand name around the world as a multinational, with the possibility of merging with a larger IT giant in the long-term as this is the manner by which economies of scale are achieved in the technology industry, at least this is the manner by which big names have prospered.

We aim high and hope to reach glorious heights of business revenues with

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the continuous development, business growth and organizational re-structuring that is based on the philosophy of organizational learning. We are aware of the challenges of artificial intelligence, which are popularly outlined within Asimov's Three Laws of Robotics, and, we seek to use our marketing and sales campaign to create additional jobs in addition to the need for qualified technical support personnel to provide maintenance for the software itself.

PROJECT COMPANY: Identification of the main purchaseres/users

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In addition to our initial research that has involved availing from consultancy from "big four" firms and various entrepreneurs based both in Malta and in other European and non-European countries, we have continued to confirm that the most appropriate target sectors for the enterprise include companies offering corporate services, accountancy services, financial services, motion picture production, manufacturing and defence/security, and IT Services. The project was also endorsed by a high ranking government official Hon. Jose Herrera, Minister for the Economy Investment and Small business, who claimed that he was interested in this project, after having read the business plan.

Although the iGaming industry in Malta appears to be an attractive business-to-business market, we are only seeking to create a project where we create an application programming interface that allows people to donate winnings for philanthropic reasons to registered charity institutions, and, we are not seeking to compete directly within the iGaming industry, but rather to remain available for providing technology services should they be requested of us, and, to use the application programming interface as a way to allow iGaming operators to promote a socially responsible betting platform that allows their software developers to make use of existing programming functionality using programmable objects available through a web service. This would also re-assure the people who are betting that their winnings are actually being administratively channelled to registered charity institutions rather than being stolen by organizations who might steal the monies that were originally intended as a charity donation, as the risk of spam has multiplied in the last decade and research shows that many citizens are still gullible. We have named this project "DonateTo".

PROJECT COMPANY: Analysis of competitors

Industry leaders in big data include IBM, Intel, Hewlett Packard, Oracle, Teradata, Fujitsu, and others, whilst local IT industry leaders include Computime, Megabyte, Intercomp, and, Scan Computers (UK/Malta). Within the UK competition gets even more intense as the UK economy is a leader in electronic commerce and the majority of IT industry leaders have significant portions of their offices.

We believe that through the design of bespoke software that includes business intelligence based on industry research, best practices, and, continuous involvement of industry leaders, we are able to create a collaborative discussion within the industry that not only does not disrupt or cause disruptive competition, but seeks to merge and create business partnerships where we are not seen as competitors but as corporate services providers acting in the best interests of all the stakeholders involved in the initial analysis and design, that is then the basis for continuous improvement and integration of the software platform.

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PRODUCTS, SERVICES: Products /services description

The enterprise shall provide the following products and services through a team of computer experts who are experts in their area of technical know-how and business communication, and, we shall seek to provide the following services and products:

Import and export of computers, networking and computer equipment and accessories and installation/configuration services to personal and corporate customers, making use of electronic commerce, mobile commerce and other forms of intermediation to ship our products and services which are marketed at affordable prices within the global market. Training and other technology services in partnership with bigger IT companies will be considered.

Custom building of software mainly focusing on business enterprise software and customization of software that is provided including programming functionality with a view to customize the software based on the needs of corporate or personal clients.

PRODUCTS, SERVICES: Products life cycleSoftware products goes through typical life cycle of analysis, design, implementation, and, maintenance.

It is possible that a software product is phased out and re-designed after the expected decline in sales indicate that it might be losing market share, or alternatively re-branding and modification of the product itself is used by a team of intelligent software engineers to market the product using up-to-date features that continue to meet the changing information needs of the target industries and the original clients for whom the software was built, without excluding new ideas to make the product more appealing in view of acquired organizational knowledge, trends within the global market and the perceived or actual needs of new entrants within potential target markets as market research would indicate business feasibility to the enterprise.

The business process for procurement includes purchasing, possible modification based on the order made by the client and delivery.

PRODUCTS, SERVICES: Possible intermediaries

We are targeting to market our software product, Sun Tzu AI/BI through our

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own computer retail shops and by making use of existing retail outlets who would be willing to resell our product off the shelf, based on a business-to-business agreement where the reseller earns commission on sales or commission on introductions. This potentially makes the sales process repeatable as we endeavour to create the product training and other marketing material to enable sales and marketing agents to reach new potential clients who might be interested in acquiring our main software product or to avail from other IT/business consultancy services offered by the enterprise.

MARKET: Market view

The IT industry is highly saturated, and competitive, but nevertheless has not failed to impress business advisors with record profits and business growth, as the products themselves remain within reachable prices particularly with the popularity of cloud services - except for those clients who prefer to have a standalone implementation housed within their own data centre as this option is also possible in the design of our software product.

We target mainly corporate clients to take up the flagship product i.e. Sun Tzu AI/BI, however, we do not exclude developing mobile sub-set prototypes with the intention to use them as social media marketing platforms for smart phones having different platforms including Android, Apple IOS and possibly others that we are yet to discover in our research.

Unfortunately the dot-com bubble has taught IT entrepreneurs not to forget the essentials of marketing based on creating feasible and realistic expectations from the market, and, that aiming too high has to be taken in a prudent series of steps leading to prudent and slow business growth.

MARKET: Marketing and sales plan

We are targeting to approach large corporates engaging them with the notion of contributing to their requirements from a business intelligence and artificial intelligence platform, and, at the same time investing in its development as

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the end product is targeted to meet their specific business needs.

We are also targeting to avail from technology products that are available off-the-shelf in order to engage business and personal customers as we sell day-to-day computer items for cash or 'quasi-cash' with minimum terms of credit.

MOTIVATIONS: Main motivations in the startup companyWe are aiming to achieve business growth in a steady fashion, starting from a business that can offer products on the shelf of any retail store, and, further expanding into custom software development as we develop our flagship product, Sun Tzu AI/BI.

This will increase our technical expertise, organizational knowledge, and, is hoped to achieve business growth and expertise in the IT fields of business intelligence, artificial intelligence and business reporting that appears to have a speculatively optimistic demand according to research based on industry reports.

We also hope to create career opportunities for computer professionals and professionals-to-be which gives them the opportunity to work within an enterprise that provides a long-term career and a stepping stone for junior technical advisors who might want to work for our firm as their summer internship.

MOTIVATIONS: Potential difficultiesCompetition is intense, particularly if we consider the business intelligence market, however, artificial intelligence is only optimally catered for by "big boys" within the international field, and we are thus optimistic in our ability to build business partnerships to support our competitors rather than to attempt to engage in competition wars, as we are aware of the difficulty posed by market barriers created by the existing entrepreneurs themselves and those which are yet to create considerable market presence to be considered a threat within the local and the global markets.

Unfortunately, even local entrepreneurs use strategies that deteriorate competition, and, quoting a company entrepreneur "a small fish does not dictate terms and conditions to a big fish", that appears to highlight their power-centered approach to gaining market share. They tend to use strategies which can be compared to making unfair offers to their providers, in order to remain in a more advantageous position within the market. We are re-assured by local competitors that they are not threatened by the presence of this product in the local market at least in the business research done so far.

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We are slowly gaining a bad reputation of playing "big boy" games, even though our enterprises are noticeably smaller than those in Italy and the United Kingdom, and, thus this forms the basis of my desire not to collaborate with Maltese based entrepreneurs, as I have slowly lost my trust in the authenticity of their proposals, having done business research over a number of years, as a business student with the London School of Economics and Political Sciences. Nevertheless I am willing to attempt to build profitable and mutually convenient win-to-win relationships with industry leaders who want to avail from the services that I am willing to offer including taking on outsourcing of some of the services that they might yet not cater for in a professional manner.

IT outsourcing has in fact been penetrated by many foreign-based and local-based investors in the Maltese islands and beyond, and there appears to be further business opportunities as many clients seek the services of professional providers who can service their computer-based needs upon request and in a professional manner. Larger IT firms are in a stronger position to maintain market share and we seek to compete and collaborate to achieve synergies and to be able to provide software that can be sold without having an undesirable impact that may be seen as a threat. Authorities intervene when there are cases of unfair competition, however business strategies such as mergers and acquisitions are still legitimate business strategies adopted by the larger IT firms.

The Government of Malta and its authorities adopt a good blend of controlled regulations without intervening in unnecessary or unethical negotiation with the business leaders, as the current public sector administration has declared itself publicly to be "business friendly" and therefore one expects bureaucracy to leave less impact on business entrepreneurs and business entrepreneurs are increasingly expected to abide with legislation and corporate social responsibilities as their business strategies and policies have to be kept current with the times.

It is envisaged that a fine balance between a controlled economy and a liberalized market is hard to achieve and this requires the management team to constantly review its strategies, tactics and day to day operations and align them to the needs of the market, without foregoing necessary change management processes. Our view is to become self reliant to the point that we can move between one jurisdiction and another with little effort as we expand our marketing plan, however we do recognize that it is human to abide by norms of stability in order to keep professionals employed in permanent jobs that provide an attractive workplace for people to stick with for a number of years, with an underlying assumption of business continuity. Nevertheless software projects are commonly seen to last a number of years, and, therefore the software management arm of our firm must strive to develop innovative products that the market is willing to purchase, thus contributing to our bottom line, essentially.

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It is noteworthy that Internet connectivity does not reach all potential customers and therefore we hope to make use of personal selling and to collaborate with existing technology partners that are working on the expansion for the provision of Internet infrastructure even in under-developed countries.

We feel that expanding our business scope to include Internet services would require additional capital investment that would be part of a different business plan, and, we are only willing to engage in discussions with existing internet service providers as far as Internet service provision goes, also in view of various technical limitations - such as the proliferation of IoT and IpV6 are concerned which appear to be still being discussed by the authorities that set the standards for the Internet itself. The current policies set by the European Banking Authority and the Malta Financial Services Authority which are prudish against the use of virtual currencies might further decrease opportunity for cross-border trade over the Internet.

We would not be surprised if someone comes up with Internet 2.0 as an alternative to the existing network that is based on ARPANET, however, we do not consider this to be a penetrable business that aligns with our scope at this point in time.

MOTIVATIONS: Start-up activity strategiesWe intended to find suitable business partners who are willing to invest suitable capital in our enterprise that allows us a "slow but sure" business growth, although this is considered a luxury that only "big boy" firms can afford in the opinion of business consultants who focus on providing consultancy to retail firms in the Maltese islands. This is the reason for seeking foreign markets to ship our various products and to outsource our services abroad as similar IT firms based in Malta (and abroad) have done.

LOCATION / LOGISTICS: Domicile

Our products and services will be available to all international markets, particularly in countries where there is a high level of computer literacy and where computer accessories are considered consumer goods, although we are more than happy to take advantage of the advantageous customs tariffs (TARIC) made available for trade within countries within the European Union to enhance the economic cycle of consumption.

We are currently considering the Republic of Malta or the United Kingdom as the basis for starting a company, notwithstanding having reviewed the considerable taxation in both countries, which are higher than that in Montenegro, that is reported to have a corporate income tax rate of 9%.

See https://www.gov.uk/government/organisations/hm-revenue-customs, and, http://mfsa.com.mt for relevant information on opening business in the United

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Kingdom and within the Republic of Malta.

Notwithstanding that Singapore is rated as the topmost business destination for opening business in various business circles, we still have not carried out sufficient business research to enable us to start-up companies immediately.

We are also open to consider having business partners, particularly for business venture, venture capital and marketing and distribution in any part of the commercialized and industrialized world (and beyond, as some companies regularly send spacecraft for outer-space voyages).

Although the saying goes that there is no place like home, we do hope to expand business in different jurisdictions should our flagship product indicate potential business opportunities beyond the shores, as this will increase our business expertise dealing in international markets and different jurisdictions. Nevertheless we hope to do this very prudently, as business research precedes any opening of a business.

LOCATION / LOGISTICS: Logistics / administrationAdministration of logistics such as preparation of merchandise, checking of imports as they are received, packaging of products which are not already in a package for preparation shall occur at the office from which they are shipped. Software does not require extensive packaging that cannot be provided through service providers already available in most industrialized countries, including the Republic of Malta.

Preparation of advertising material, design of artwork and marketing material and its publishing are thought to be made by any advertising agency who understands the business concept and is able to transform the concept into printable material or material that is available on the world wide web. We might make use of other forms of advertising in the future as well, not at all discounting a heavy use of social media marketing due to the ease of use and reachability of social networks.

SWOT ANALYSIS OF PROJECT COMPANY: Project company strong points IT industry makes year on year multi-billion revenues and the expansion

of the industry globally and particularly in India as one of the preferred outsourcing providers for various other countries provides and optimistic promise for business opportunity that is available to start-ups which are seeking not to compete solely on retail products but also through innovation and "big data" software that caters for a selective niche of business customers willing to engage in having the advantage of the first mover.

The business model is flexible and promises a wide range of typical products and services offered within the IT industry, which makes it easier for the brand to reach visibility as cusotmers' expectations might have been standardized in the European Union.

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SWOT ANALYSIS OF PROJECT COMPANY: Project company weak points Competition might be tough as we fear that competitors seek to create

market barriers to new entrants, however we hope to compete in a fair level playing field in a manner that attempts to engage competitors as potential business partners avoiding those which have exclusive agreements for particular brands, as these might be monitored by authorities that monitor unfair market competition practices. A list of competitors can be drawn from business research firms, such as Gartner and detailed competitor analysis would entail professional market research to be commissioned.

Investors need to engage in a strong belief that short term profits might be smaller than long-term profitablity if they persist in expecting high-paying dividends since the year of inception and therefore we would like to follow the business strategies used by Amazon and Google to have the opportunity to create and tap markets which go beyond the typical retail markets through continuous research and innovation. We are effectively forecasting a payback period that might extend beyond the second year of operation for Sun Tzu BI/AI the flagship software product, however this is a common business model in software production, the problem is the drive for cash that some shareholders have that lead them to engage in practices that might deteriorate the financial performance of a company if they are not knowledgeable investors or have been informed sufficiently of the consequences of the investment. A survey amongst investors has to be carried out prior to an initial public offering and other forms of capital financing.

SWOT ANALYSIS OF PROJECT COMPANY: Project company opportunities

Corporate services are increasingly popular as many companies seek to make the best use of analysed information as they can interpret it to actionable strategies, and, we are aiming to provide a software platform that allows their analysts to store, retrieve and query information using various ready-made interfaces and application programming interfaces that allow for object-based programming retrieving information from the platform. It also allows the user of information to make the best possible use of the latest data mining and querying techniques, thereby increasing job opportunities or opportunities for IT outsourcing within the same companies that require this technology which in turn allows the companies to publicly claim that they are increasing and creating job opportunities for professionals. We are also considering the possibility of having the clients agree to sharing information on an aggregate basis in a similar manner that business research firms collect business

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information from their customers and translate it to reports which are then sold again to industry leaders.

Artificial intelligence does not necessarily replace the human, however, it is our belief that if artificial intelligence is programmed using established mathematical models, there is a higher probability of intelligence that can be programmed and reprogrammed as the machine learns new patterns of knowledge acquisition and translation of that knowledge to analysis or else reporting it.

SWOT ANALYSIS OF PROJECT COMPANY: Project company risks

High dependence on the flagship product Sun Tzu AI/BI, which creates the impetus of brand building to pilot test the market. This in itself needs considerable capital funding.

Business risks include market barriers to entry, generation of leads and translating leads to sales, this depends on the skill of the marketing team, demand in the market and the disposability of income to purchase the products and services that we have to offer.

4P ANALYSIS REGARDING AVAILABLE RESOURCESProduct

All customers will pick and choose the product or service of their choice when reviewing our promotional material and when discussing their needs with our helpful sales team. The sales team will be briefed with product updates and provided with samples that they can distribute to customers, including a free trial version of the Sun Tzu AI/BI platform which would be a minimal sub-set of functionality that allows the user to interact with the software platform.

Place Products and services shall be marketed through personal selling, e-

commerce and other advertising means along with contacting existing retail shops asking them to put our software product on their shelves.

Price Products that are imported are sold on a mark-up basis. Sun Tzu BI/AI will be available on a subscription based model and it is

planned to be installed on the cloud. A standalone version shall be available for clients who prefer not to use cloud services, at a higher installation price, which is based on cost + mark-up.

Promotion Advertising shall include electronic commerce, mobile commerce, SMS

marketing, participation in trade fairs, and, placing our products and services on shelves of computer shops based on commission agreement.

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4P ANALYSIS REGARDING THE NEEDS TO RESPOND TO Product

Computer equipment and accessories such as computers, peripherals, laptops etc respond to our addiction for technology and the typical need to use the latest version of the smartphone, it is usually not a necessity although students and people who regularly use computers consider computer equipment a basic need these days.

Sun Tzu AI/BI meets the need for intelligent analysis of information where you do not have to be a mathematician to read simplified information that can be interpreted by a literate business executive with degree level or diploma level business knowledge to understand the business terminology.

Place It is our philosophy to engage in soft selling as this is seen to be polite

and a prudent manner of approaching new customers.Price

Products and services which have a tariff that is published can be reviewed by authorities and customers prior to making an order.

A subscription based model allows for a lower cost of purchase of a software product, and, allow the enterprise to create a dependency between the client and the enterprise where the client becomes engaged and locked in to the technology offered by the enterprise. Thus the enterprise will operate in a professional manner that respects de minimis confidentiality, privacy and data integrity for the data that is hosted and processed on behalf of its clients.

Promotion Advertising shall include electronic commerce, mobile commerce, sms

marketing, participation in trade fairs, and, placing our products and services on shelves of computer shops based on commission agreement.

FINANCES: Retrospective and starting frameworkWe are looking for an initial 500,000 EUR up to 1M EUR in funding to help us through the seeding of the enterprise and to have sufficient reserves to pay the running costs and to cater for contingencies.

We might also avail from banking facilities in times where the cash flow is negative and these can be supported through the services made available by financial institutions in the short term usually for about 1-2 months.

FINANCES: Future perspectives (incomes and expenditures)2014 2015 2016 2017 2018

Sales500,000.00

€500,000.00

€750,000.00

€712,500.00

€ 900000Variable -500,000.00 -500,000.00 -500,000.00 -500,000.00 -500000

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costs € € € €

Profit 0.00 € 0.00 €250,000.00

€212,500.00

€400,000.00

€Tax (35%) 0 0 -87500 -74375 -140000Net profit 0 0 162500 138125 260000

End of life between 2017 and 2018 before major upgrade.

The above are the sales forecasts for Sun Tzu BI/AI in EURO and are based on a corporate income tax rate of 35%. Nevertheless we plan to include shareholding in EURO, USD and GBP for foreign investors who which to retain capital in these currencies, and, subject to the approval of the company-listing authorities.

FINANCES: Financial plan for 2 years (no VAT and with break-even)Project: Development of strategic information system Yearly operating costsEmployment costs 200,000.00 € Gross salaries estimated at

around €20,000 for every professional yearly excluding performance bonuses and these might be reviewed according to labour market rates, based on good performance.

Job descriptions are to be

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drawn up.Water and electricity 1,300.00 €Audit fees 2,000.00 €Stationery and office equipment 600.00 €Communication expenses 2,500.00 €Travelling expenses 5,000.00 €Insurance on building and professional indemnity 500 €Sub-contracting 100,000 €Business partnerships and branding 50,000.00 €Health and safety 1,000.00 €Training and certification 50,000.00 €ComplianceOther research costs Not yet estimatedSubscriptions 500.00 €Accounting and administration 30,000.00 €Certification Not yet estimatedCopyright Not yet estimatedHosting €1,000.00

Servers for development €5,000.00

Doubtful debts (20%)

Research indicates that late payment are still a current business risk which can have a considerable influence on the cash flow of the organization, thus creating further reliance on facilities provided at the discretion of financial institutions, law firms and specialized agencies in certain cases.

Software licenses Not yet estimated

Project management theory prescribes that initial estimates can vary by +/- 50% on project-based software development projects, due to the software development lifecycle model being used.

Pricing €5,000 per installation excluding customizationBreakeven 100 Copies (est.)Target market management consultancy worldwide

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Appendix A: Target customersCompany Location Industry Relationship

(blank if there is no business relationship)

Foster Clarks Limited

UB50, Industrial Estate, San Gwann SGN 3000, Malta, EUROPA

Tel: ++356 2279 0000

Malta, EUROPA Manufacturing

All local banks and other companies with industries that will be analyzed further.

See www.financemalta.org, we will robocall and make appointments with corporates interested in investing in this venture and in participating in its analysis.

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Appendix B: Competition[ all IT Providers] and this requires a professional market research to be carried out, planned to be done post-funding.

Appendix C: Organigram

Chief Executive Officer may be supervised either by a Chairperson or else through the services provided by the audit firm that offers professional audit services – that includes IT Audit and financial audit - to our organization, and, since the CEO is thought to be the founder of the company, we will review top management contracts on a five yearly basis or have them independently reviewed by a professional management consultancy firm.

Office AdministrationSoftware Architecture and Development

Business and Marketing Operations

Chief Executive Officer