Charter Financial Management Company, Inc. specializes in the Merger and Acquisition of small to middle market companies with annual revenues from $500,000 to $20 million. We develop business strategies for the development and management of a business ……to….. the succession and exit strategies for the Founders.

Charter Financial’s primary services include:

• Seller Representation
• Buyer Representation
• Succession Planning
• Due Diligence and Investigation Analysis
• Business Valuation

When engaging Charter Financial’s professional investment advisors and financial consultants, every Buyer and Seller should consider that a BUSINESS VALUATION will establish reasonable valuation ranges with Key Valuation Factors. Every Business Valuation relies on the evaluation of each business’ accounting integrity, sales trends and market niches. When evaluating the Fair Market Valuation of any business opportunity, Charter Financial is contracted to complete a Business Valuation of a specific Business Opportunity, Charter Financial will analyze:

• History/trend of Gross Sales Revenues
• Three to five years of Financial Statements (Balance Sheets and Profit and Loss Statements) and Tax Returns
• Review and evaluation of Key Personnel resumes; proprietary business processes; Organizational Development issues;
• Process Improvement issues; Internal and External Succession Planning
• Differentiating between Operational Expenses and Discretionary Expenses
• Analysis of Market Share and the Ease of entry into new markets
• Defining your Competiitors and what are their strengths and weaknesses
• Industry Trends and Growth of your business within these trends
• Unique Assets and Qualities of your business (Key Personnel, Knowledge base; Competitive Advantages; Proprietary Equipment and Software and Patents; Location and Facilities; Motivation and Flexibility of partners)
• Financial Trends with Returns of Investment (ROI) and Future Profits
• Comparable Sales Data of other comparable businesses which have sold within immediate neighborhood and national marketplace

Reasons for buying or selling your Investment Opportunity with the Professional Assistance of Chater Financial Management Company’s Professional Intermediaries:

• Confidentiality: We screen and qualify potential buyers or sellers prior to disclosing the identity of the Seller or Buyer
• Competition: We create Buyer or Seller competition to achieve the best price and terms of sales conditions
• Minimal Distraction: We allow our buyers and sellers to continue to operate their businesses during the sales transaction
• Insulate Buyer or Seller from Emotional Involvement: We provide each Buyer or Seller with privacies from unreasonable or inflexible negotiations, taking away all emotional involvement and personal considerations.

Charter Financial’s Merger and Acquisition Process for preparing to Sell a Business Opportunity is comparable for Purchasing a Business Opportunity

WEEK ONE (for both Buyers and Sellers):

1. Understand Business and its unique business opportunity
2. Understand motivation of Shareholder to sell; and Succession Objectives
3. Understand future motivation of New Buyer to purchase or Seller to sell business opportunity
4. Complete Due Diligence of Financial Statements and Tax Returns and all financial documentation
5. Interviews of Key Personnel including accounting staff, professional CPAs and Business Attorneys
6. Analyze and define Sales Expectation and End Results with Shareholders and Executive Management
7. Consult with Management and correct existing corporate, legal, accounting, Human Resource documentation utilizing Charter Financial’s professional advisors or Company’s Key Consultants
8. Determine Valuation of Bu

WEEK TWO (for Buying Business Opportunity)

1. Determine Valuation of Business
2. Prepare Purchase Agreement and Addendums; Execution and Acceptance
3. Schedule onsite Due Diligence and Investigation Processes
4. Prepare Purchase and Escrow Closing Program; Open escrow
5. Initiate and secure financing for acquisition with both financial institutions and private investment groups
6. Prepare Credit Memos and Loan Documentation for Charter Financial’s correspondent 89 community banks, which may finance the acquisition of this Business Opportunity
7. Secure Financial Alternatives
8. Prepare Management Transaction; Merger/Acquisition Interviews with Key Personnel and staff
9. Complete HR processes
10. Implement Management Process

WEEK TWO (for Selling Business Opportunity):

1. Prepare drafts of Sales and Marketing Brochures
2. Prepare Marketing Strategies and Sales Program in association with Charter Financial and its alliance of Marketing Partners
3. Investigate and determine future financing programs and investment opportunities for Seller and Buyer
4. Develop Legal Documentation for Stock Sale; Asset Sale; Settlement and Escrow Sale; Bulk Sale; Agreements of Sale; Non-Competition Agreements;
5. Establish Expectation Schedules for Sale of Business Opportunity
6. Contract for the Valuation of the Business utilizing Professional Appraisers and Investment Analysis of Charter Financial
7. Establish Weekly Management meeting schedule to discuss Sales and Marketing process; and other Marketing issues

WEEK THREE (for Selling Business Opportunity):

1. Implement Sales and Marketing Program
2. Print and produce Disclosure Documentation for distribution to potential qualified Buyers
3. List Business Opportunities with 13 national Multiple Listing Bureaus
4. Solicit Industry Specialists and Brokers who are included within multiple alliances with Charter Financial, to participate in the Marketing Program
5. Develop and Implement personalize Sales Letters soliciting existing industry players, introducing business opportunities to them on a “confidential restricted knowledge” basis

WEEK FOUR to NINE (for Selling Business Opportunity)

1. Implement Sales and Marketing Program
2. Secure qualified Buyer
3. Prepare Purchase and Escrow Closing Program; Open escrow
4. Initiate and secure financing for acquisition with both financial institutions and private investment groups
5. Prepare Credit Memos and Loan Documentation for Charter Financial’s correspondent 89 community banks, which may finance the acquisition of this Business Opportunity
6. Secure Financial Alternatives
7. Close Escrow; Transfer Cash and Loan Proceeds; Payoff Liabilities
8. Prepare Management Transaction; Merger/Acquisition Interviews with Key Personnel and staff
9. Complete HR processing; Payroll transactions; Insurance Policies transferred
10. Implement Management Process and Exit Strategies