OTC Markets Alternative Reporting
Issuer’s Initial Disclosure Obligations
[ X ] Quarterly Report For the Quarter Ending: 31 March 2011 [ ] Transition Report For the Transition Period from ____________ to ______________ Commission file № 000‐27831MUTUALOAN CORP.
(Exact Name of registrant as specified in it’s charter) Delaware (State or other jurisdiction of incorporation) 1375 Gateway, Blvd, Boyton Beach Florida (address of principal executive offices) * (IRS Identification Number) 33426 (Zip Code) Registrant’s telephone number: (561) 767‐4346 Securities: Title of Each Class: 1) Common 2) – end ‐ Name of Exchange registered on: NoneTable of contents: Item Page Part A – General Company Information 3 Item 1: Name of the Issuer (Inc. f.k.a.) 3 Item 2: The address of the issuer’s principal executive offices 3 Item 3: The jurisdiction and date of the issuer’s incorporation or organization 3 Part B – Share Structure 3 Item 4: The exact title and class of securities outstanding 3 Item 5: Par or stated value and description of the security 3 Item 6: The Number of shares of total amount of the securities outstanding for each class of securities authorized. 3 Item 7: The name and address of the transfer agent 3 Part C – Business Information 4 Item 8: The nature of the Issuer’s business 4 Item 9: The nature of products or services offered 5 Item 10: The nature and extent of the Issuer’s facilities 12 Part D – Management Structure and Financial Information 12 Item 11: The name of the chief executive officer, members of the board of directors, as well as control persons 12 Item 12: Financial information for the Issuer’s most recent fiscal period 12 Item 13: Similar financial information for such part of the two preceding fiscal years as the issuer of its predecessor have been in existence 22 Item 14: Beneficial owners 22 Item 15: The name, address, telephone number, and email address of each of the following providers that advise the issuer on matters relating to operations, business development and disclosure 22 Item 16: Management’s discussion and analysis or Plan of operation 23 Part E – Issuance History 24 Item 17: List of securities offerings and shares issued for services in the past two years 24 Part F – Exhibits 24 Item 18: Material Contracts 24 Item 19: Articles of Incorporation and Bylaws 24 Item 20: Purchase of equity securities by the Issuer and affiliated Purchasers 24 Item 21 Issuer’s certifications 24 Exhibit 1 – Nexus Business Solutions, Inc. Preliminary Business Plan 26
Part A – General Company Information Item 1: Name of the Issuer (including prior names) Mutualoan Corp., formerly known as (f.k.a.) Global Link Technologies, Inc. (Jan. 2009) Item 2: The address of the Issuer’s principal executive offices: 1375 Gateway Boulevard, Boyton Beach, Florida 33426
Tel (561) 767‐4346 x1661; fax (561) 767‐4347; www.mutualoans.com
Item 3: The Jurisdiction(s) and date of the Issuer’s incorporation or organization Mutualoan was incorporated in the State of Wyoming on 19 October 1995. Part B – Share Structure Item 4: The exact title and class of securities outstanding
Class Title CUSIP Symbol
1 Common Stock Common 62846T104 MUTA
‐end ‐ Item 5: Par or stated value and description of the security Class Par Value
Dividend Voting Preemption Conversion Liquidation Redemption Sinking
Fund
Common $0.001 N/A 1:1 none N/A N/A N/A N/A
‐end ‐ Item 6: The number of shares or total amount of the securities outstanding for each class of securities authorized Class Period End
Date Shares № of
authorized № of shares outstanding Freely tradable shares (public float) Total № of beneficial shareholders Total № of shareholders of record Common 31 March 2011 500,000,000 141,432 34,753 186 186 Item 7: The name and address of transfer agent X‐Pedited Transfer Corporation1 535 16th St Suite 810 1 X‐Pedited Transfer is in the process of dissolution and the Issuer will shortly be changing transfer agents.
Denver, CO 80220 Part C – Business Information Item 8: The Nature of the Issuer’s Business This report on Initial Disclosure contains forward‐looking statements that are based on current expectations, estimates, forecasts and projections about the Company, us, our future performance, our beliefs and our Management's assumptions. In addition, other written or oral statements that constitute forward‐looking statements may be made by us or on our behalf. Words such as “expects,” “anticipates,” “targets,” “goals,” “projects,” “intends,” “plans,” “believes,” “seeks,” “estimates,” or variations of such words and similar expressions are intended to identify such forward‐looking statements. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions that are difficult to predict or assess. Therefore, actual outcomes and results may differ materially from what is expressed or forecast in such forward‐looking statements. Except as required under the federal securities laws and the rules and regulations of the SEC, we do not have any intention or obligation to update publicly any forward‐looking statements after the filing of this Initial Disclosure, whether as a result of new information, future events, changes in assumptions or otherwise. Unless the context otherwise requires, throughout this Initial Disclosure the words “Company,” “we,” “us” and “our” refer to MUTUALOAN CORP. and its consolidated subsidiaries. Mutualoan Corp. (f.k.a. Global Link Technologies [Jan. 2009]) was incorporated in Wyoming on 19 October 1995 with its fiscal year ending on 31 December. Neither Mutualoan nor Global Link has gone into bankruptcy, receivership, or any similar proceeding, and has not defaulted on any note, loan, lease, opr other indebtedness or financial arrangement requiring the Issuer to make payments, or material contract. Mutualoan completed a business combination with Great Leads Vacations, Inc. on or about June 2010. The business combination had several performance benchmarks, and neither party to the agreement has succeeded in fulfilling the performance initially intended. As a result, Mutualoan is currently contemplating finding a new business model to move forward with, which will probably entail another business combination. Currently, Great Leads Vacations, Inc. is mutually and amicably contemplated as being spun out, pursuant to rescission provisions in the combination agreement, upon such terms and conditions thereto, and upon timing that would mutually benefit and not disadvantage any party materially. Although several targets have been identified for a combination or acquisition, none, to date, have been fulfilled. No other material reclassification, merger, consolidation, or purchase or sale of any significant amount of asset(s) have taken place, nor has any material change in control taken place, nor any increase of 10% or more of any class of securities outstanding taken place. Mutualoan has not declared a stock dividend, recapitalized its stock, nor declared a stock dividend. Mutualoan does expect to spin off Leadbarrel, Inc. and combine with another operating business entity, although no firm commitments have been given. Mutualoan has not been delisted by any securities exchange or deleted from the OTCBB.
No legal proceedings are pending or threatened against Mutualoan, its Directors, officers, or affiliates. Mutualoan’s primary business, currently, is the lead generation business, primarily focused on vacation products. Specifically, Leadbarrel, Inc. , which did a business combination with Mutualoan, identifies persons who are willing to take a vacation in exchange for sales presentations by resort providers. Prior to the business combination with Great Vacation Leads, Inc. (n.k.a. Leadbarrel, Inc.), Mutualoan was not operational but had its agents attempting to secure lines of credit to commence operations. Mutualoan has a total of one employee, Brian Tompakov running the leads business line, and no less than three part‐time agents attempting to secure funding for operations of the Mutualoan business model. Mutualoan has been severely impacted by the economic conditions and financial regulations, which have stymied its efforts to have its business plan come to fruition. No law, rule, or regulation is known to have any impact on Leadbarrel, Inc. . Environmental concerns not expected to impact either group. Item 9: The nature of the products or services offered EXECUTIVE SUMMARY Leadbarrel, Inc., formally Great Vacation Leads, Inc., became effective in 2010 when management decided to broaden the scope of current business by expanding into multiple lead verticals. The vision of Leadbarrel, Inc. (LB) is to become the largest provider of real‐time Internet leads and call center leads to the travel, debt settlement, education, and mortgage industry. While most lead companies focus on generic leads. LB separates itself from the competition by being a supplier of both custom branded and non‐branded real‐time leads for clients. LB operates through LeadBarrel.com and Traveleads.org. Management of LB, brings to the table a wealth of knowledge, contacts, and experience in regards to the lead generation space and real‐time lead management. Being able to convert leads at a low acquisition cost is key. Through management’s extensive network of real‐time lead generators, publishers, programmers and utilization of top lead management software, LB is ahead of the curve. Most call centers spend their marketing budget on semi‐exclusive leads, leads bought through lead/list brokers at high prices, or lack the experience necessary to adjust quickly if there is ever a problem with a good lead provider. These methods are inefficient, and usually lead to high call center representative turnover due to lack of lead quality. For a call center, there are over 1000 Internet lead generators, networks, and brokers to negotiate through. Trying to discover the right lead source from LB’s competition will not only be difficult, it will be expensive and time consuming. LB takes over this problem for lead prospects, and provide custom real‐time lead solutions. LeadBarrel.com LeadBarrel.com, a Mutualoan company, is primed to be one of the largest online and offline lead generation agencies in the world. The website’s main focus consists primarily on the consumer travel, online education, debt settlement, and mortgage lead verticals. LeadBarrel.com’s dominant market position allows us to work directly with advertisers in these market sectors to optimize the products and services that are launched. Conversion rates, profitability, and sustainability are key to keeping valuable clients coming back for more
leads. Through our network of online and offline publishers, LeadBarrel delivers exactly the type of lead our clients need to meet their target client acquisition cost. We offer branded and non‐branded lead generation solutions, and all leads generated have real‐time deliverability capabilities. We offer exclusive and non‐ exclusive leads. LeadBarrel.com generates new clients from its website www.leadbarrel.com, referrals, tradeshows, and an outbound sales force. Traveleads.org The website Traveleads.org, is a division of Leadbarrel.com, and is one of the largest provider of Internet leads to the vacation call center industry. Currently there is little to no serious travel lead company competition advertised in this marketplace. Traveleads.org has established and maintained call center clientele since inception. It is clear that the marketplace has been desperate for a higher quality Internet real‐time lead generation product. Traveleads.org provides this product through branded and non‐branded lead generation. Call centers are continually striving to lower their client acquisition costs. Traveleads.org understands this, and only uses the top Internet publishers to generate the quality leads needed. In addition, Traveleads.org has future plans to offer a custom live transfer travel lead solution which will enable an even more qualified hot lead to its clients.Traveleads.org sales representatives are focusing on gaining new clientele in the mini‐ vacation, cruise, and timeshare sector. Traveleads.org generates new clients from its website www.traveleads.org, referrals, tradeshows, and an outbound sales force. Description Lead Generation and How Leads Are Generated LEAD GENERATION DEFINITION: A lead, in a marketing context, is a potential sales contact: an individual or organization that expresses an interest in your goods or services. Leads are typically obtained through the referral of an existing customer, or through a direct response to advertising/publicity. A company's marketing department is typically responsible for lead generation. Pursuing and closing leads normally falls to the company's sales department. For example, a vendor will display their wares at an industry trade show, hoping to attract the attention of qualified buyers attending the exhibit. Each inquiry for more vendor information would be a "lead," which might subsequently be developed into a sale. A company's lead generation efforts and its approach to dealing with leads can significantly impact its success in the marketplace. We can break down how leads are generated into two categories. They are online generation and offline generation. Online generation There are many ways to generate leads online. Each has its own formula that needs to be perfected in order to find the balance between quantity and quality. They are the following with description. 1. Proprietary Lead Portals : provides several ways for advertisers to put targeted offers in front of a buying consumer audience via a proprietary network of websites all specifically built for a broad or specific vertical.
Advertisers pay per generated lead on a cost per lead (the delivery of just the name and contact details) or cost per acquisition basis (an actual credit card paid transaction.) 2. Search engine optimization (SEO): is the process of improving the volume or quality of traffic to a website from search engines via "natural" or un‐paid ("organic" or "algorithmic") search results as opposed to search engine marketing (SEM) which deals with paid inclusion. Typically, the earlier (or higher) a site appears in the search results list, the more visitors it will receive from the search engine. SEO may target different kinds of search, including image search, local search, video search, and industry‐specific vertical search engines. This gives a web site web presence. As an Internet marketing strategy, SEO considers how search engines work and what people search for. Optimizing a website primarily involves editing its content and HTML and associated coding to both increase its relevance to specific keywords and to remove barriers to the indexing activities of search engines. The acronym "SEO" can refer to "search engine optimizers," a term adopted by an industry of consultants who carry out optimization projects on behalf of clients, and by employees who perform SEO services in‐house. Search engine optimizers may offer SEO as a stand‐alone service or as a part of a broader marketing campaign. Because effective SEO may require changes to the HTML source code of a site, SEO tactics may be incorporated into web site development and design. The term "search engine friendly" may be used to describe web site designs, menus, content management systems, images, videos, shopping carts, and other elements that have been optimized for the purpose of search engine exposure. Another class of techniques, known as black hat SEO or spamdexing, use methods such as link farms, keyword stuffing and article spinning that degrade both the relevance of search results and the user‐experience of search engines. Search engines look for sites that employ these techniques in order to remove them from their indices. 3. Pay Per Click: is an Internet advertising model used on websites, in which advertisers pay their host only when their ad is clicked. With search engines, advertisers typically bid on keyword phrases relevant to their target market. Content sites commonly charge a fixed price per click rather than use a bidding system. Cost per click (CPC) is the amount of money an advertiser pays search engines and other Internet publishers for a single click on its advertisement that brings one visitor to its website. In contrast to the generalized portal, which seeks to drive a high volume of traffic to one site, PPC implements so called affiliate model, that provides purchase opportunities wherever people may be surfing. It does this by offering financial incentives (in the form of a percentage of revenue) to affiliated partner sites. The affiliates provide purchase‐point click‐through to the merchant. It is a pay‐for‐performance model—if an affiliate does not generate sales, it represents no cost to the merchant. The affiliate model is inherently well‐suited to the web, which explains its popularity. Variations include, banner exchange, pay‐per‐click, and revenue sharing programs. Websites that utilize PPC ads will display an advertisement when a keyword query matches an advertiser's keyword list, or when a content site displays relevant content. Such advertisements are called sponsored links
or sponsored ads, and appear adjacent to or above organic results on search engine results pages, or anywhere a web developer chooses on a content site.
Although many PPC providers exist, Google AdWords, Yahoo! Search Marketing, and Bing adCenter are the three largest network operators, and all three operate under a bid‐based model. Cost per click (CPC) varies depending on the search engine and the level of competition for a particular keyword.
The PPC advertising model is open to abuse through click fraud, although Google and others have implemented automated systems to guard against abusive clicks by competitors or corrupt web developers. 4. Email Advertising: is a form of direct marketing which uses electronic mail as a means of communicating commercial or fundraising messages to an audience. In its broadest sense, every e‐mail sent to a potential or current customer could be considered e‐mail marketing. However, the term is usually used to refer to: • sending e‐mails with the purpose of enhancing the relationship of a merchant with its current or previous customers and to encourage customer loyalty and repeat business, • sending e‐mails with the purpose of acquiring new customers or convincing current customers to purchase something immediately, • adding advertisements to e‐mails sent by other companies to their customers, and • sending e‐mails over the Internet, as e‐mail did and does exist outside the Internet Researchers estimate that United States firms alone spent US$600 million on e‐mail marketing in 2008. 5. Online Internet Publishers: are companies specializing in lead generation and spend a great deal of money buying email, search, and banner traffic to drive potential leads to proprietary portals that they own. Using ads promoting information about products and services, potential leads arrive at these portals at which time they are required to fill out their full contact information. The lead prospects see a variety of different advertisements from all types of industries ‐ healthcare, auto, finance, and of course travel to name a few. The prospects then choose freely what advertisements they are interested in by opting into or filling out a custom form of each offer they want more information about. After they clicked on a offer or filled out a form, they then become a lead which will be delivered to an agency or client real‐time to email or a Contact Relationship Management Solution. Since each lead opts in, the Internet publishers capture the ip address of the computer each lead comes from, as well as the date and time of capture. This protects an outbound call center against having anyone complain against being on the Do Not Call List, because by opting in they have given a company permission to call. 6. Website Banner Advertisements: A web banner or banner ad is a form of advertising on the World Wide Web. This form of online advertising entails embedding an advertisement into a web page. It is intended to attract traffic to a website by linking to the website of the advertiser. The advertisement is constructed from an image (GIF, JPEG, PNG), JavaScript program or multimedia object employing technologies such as Java, Shockwave or Flash, often employing animation, sound, or video to maximize presence. Images are usually in a high‐aspect ratio shape (i.e. either wide and short, or tall and narrow) hence the reference to banners. These images are usually placed on web pages that have interesting content, such as a newspaper article or an opinion piece. Affiliates earn money usually on a CPC (cost per click) basis, for every unique user click on the ad, the affiliate earns money. The web banner is displayed when a web page that references the banner is loaded into a web browser. This event is known as an "impression". When the viewer clicks on the banner, the viewer is directed to the website advertised in the banner. This event is known as a "click through". In many cases, banners are delivered by a central ad server. When the advertiser scans their log files and detects that a web user has visited the advertiser's site from the content site by clicking on the banner ad, the advertiser sends the content provider some small amount of money (usually around five to ten US cents). This payback system is often how the content provider is able to
pay for the Internet access to supply the content in the first place. Usually though, advertisers use ad networks to serve their advertisements, resulting in a revshare system and higher quality ad placement. Web banners function the same way as traditional advertisements are intended to function: notifying consumers of the product or service and presenting reasons why the consumer should choose the product in question, although web banners differ in that the results for advertisement campaigns may be monitored real‐ time and may be targeted to the viewer's interests. Behavior is often tracked through the use of a click tag. Many web surfers regard these advertisements as highly annoying because they distract from a web page's actual content or waste bandwidth. (Of course, the purpose of the banner ad is to attract attention and many advertisers try to get attention to the advert by making them annoying. Without attracting attention it would provide no revenue for the advertiser or for the content provider.) Newer web browsers often include options to disable pop‐ups or block images from selected websites. Another way of avoiding banners is to use a proxy server that blocks them, such as Privoxy. 7. Blogs: A weblog, web log or simply a blog, is a web application which contains periodic time‐stamped posts on a common webpage. These posts are often but not necessarily in reverse chronological order. Such a website would typically be accessible to any Internet user. "Weblog" is a portmanteau of "web" and "log". The term "blog" came into common use as a way of avoiding confusion with the term server log. Blogs run from individual diaries to arms of political campaigns, media programs and corporations, and from the writing of one occasional author to the collaboration of a large community of writers. Many weblogs enable visitors to leave public comments, which can lead to a community of readers centered around the blog;
others are non‐interactive. The totality of weblogs or blog‐related websites is usually called the blogosphere.
When a large amount of activity, information and opinion erupts around a particular subject or controversy in the blogosphere, it is commonly called a blogstorm or blog swarm. The format of weblogs varies, from simple bullet lists of hyperlinks, to article summaries with user‐provided comments and ratings. Individual weblog entries are almost always date and time‐stamped, with the newest post at the top of the page. Because links are so important to weblogs, most blogs have a way of archiving older entries and generating a static address for individual entries; this static link is referred to as a permalink. The latest headlines, with hyperlinks and summaries, are offered in weblogs in the RSS or Atom XML format, to be read with a feed reader. A weblog is edited, organized and published often through a content management system or CMS. 8. Social Networking: is a term that describes use of social networks, online communities, blogs, wikis or any other online collaborative media for marketing, sales, public relations and customer service. Common social media marketing tools include Twitter, LinkedIn, Facebook, Flickr, Wikipedia, Orkut and YouTube. In the context of internet marketing, social media refers to a collective group of web properties whose content is primarily published by users, not direct employees of the property (e.g., the vast majority of video on YouTube is published by non‐YouTube employees). 9. Affiliate Networks: is an Internet‐based marketing practice in which a business rewards one or more affiliates for each visitor or customer brought about by the affiliate's marketing efforts. It is an application of crowdsourcing. Examples include rewards sites, where users are rewarded with cash or gifts, for the completion of an offer, and the referral of others to the site. The affiliate marketing industry has four core players: the merchant (also known as 'retailer' or 'brand'), the network, the publisher (also known as 'the affiliate') and the customer. The market has grown in complexity to
warrant a secondary tier of players, including affiliate management agencies, super‐affiliates and specialized third parties vendors. Affiliate marketing overlaps with other Internet marketing methods to some degree, because affiliates often use regular advertising methods. Those methods include organic search engine optimization, paid search engine marketing, e‐mail marketing, and in some sense display advertising. On the other hand, affiliates sometimes use less orthodox techniques, such as publishing reviews of products or services offered by a partner. 10. Affiliate Programs: using one website to drive traffic to another—is a form of online marketing, which is frequently overlooked by advertisers. While search engines, e‐mail, and website syndication capture much of the attention of online retailers, affiliate marketing carries a much lower profile. Still, affiliates continue to play a significant role in e‐retailers' marketing strategies. Offline Lead Generation Live Phone Lead Transfer Division Using a combination of a predictive dialer call center solution and an overseas outsourced call center solution, management will generate custom live transfer leads for the education, debt settlement, mortgage, and travel lead vertical. Management has consulted with some of the current leaders in the call center space, and is confident that a high volume of live leads can be generated and sold for a profit. A pre‐screened custom real‐ time live lead is considered the best type of lead for any sales organization. From this fact alone, it is possible to charge high prices for leads generated by the division in order to meet profitability goals for LeadBarrel and acquisition costs goals for the client. Competitive pricing will be determined from the ability to generate a certain volume of leads/day for each custom campaign. Scaling up or down for any campaign will be determined each day from the Live Phone Lead Transfer Division Sales Manager whom will be monitoring all campaigns each business day from the Internet and with the current client base. The goal of this division is to continually grab market share through a full commission sales force, tradeshows, networking, and a website. Direct Mail Division Using data from LeadBarrels existing database of over 100 million recent opt in records with full contact information and data cards from trusted data management companies, management will provide targeted direct mail data solutions to companies who need them. Having the advantage of owning data will allow LeadBarrel to be very competitive with pricing compared to most companies. LeadBarrel also has significant large printing relationships with two companies out of New York and Dallas who consistently deal with fortune 500 companies for their printing needs. LeadBarrel can outsource printing and fulfillment needs for our client to these firms if need be.
MANAGEMENT BIOGRAPHIES JASON KUMPF, President Having over ten years of international experience in business development, sales, marketing and consulting across a wide range of industries, ranging from Finance to Telecom, Jason brings a unique prospective and creative background to the table. Having worked as an Investment Advisor in Europe while finishing his double major in Accounting & Finance, with a Minor in Marketing, Jason moved back to the US and worked as the sales manager for the small business Internet division of the global telecommunications firm, Primus Telecommunication. After quadrupling sales there, Jason then moved on to one of the largest telecommunication conglomerates, America Movil & Telmex, owned by the 3rd richest man in the world, Carlos Slim, to whom he reported to directly. Along the way, he was instrumental in growing the $80Million dollar telecom firm into over $1Billion dollars in revenue, leading and implementing almost every major initiative while at the company. BRIAN TOMPAKOV, Consultant After earning a Bachelors Degree in Business Administration and Minor in Mass Communications from the University of Florida in 1999, Brian spent 3 years working as a Financial Advisor for Morgan Stanley. He was consistently recognized in the top 1% for like tenured advisors throughout the firm where he managed over $22 million in assets for clientele. Brian’s entrepreneurial spirit was launched in 2001 when he founded his first Internet lead agency, Tompakov Capital, Inc. Brian turned $4,000.00 into $260,000 profits his first year. After operating a few years successfully in a number of lead verticals, Brian then decided to pursue a great opportunity that was extended by AMR Capital, LLC. Brian was trained as a proprietary trader for AMR’s #1 trading office. Brian left AMR voluntarily after realizing his true passion was not trading, but building companies. In January 2007, Brian founded BRT Capital, Inc., a company dealing in venture capital. In March 2008, BRT Capital founded Traveleads.org, a Internet travel lead generation agency with $5000.00 investment capital. After a combined 22 months in business, Traveleads.org has generated over $400,000 in profits yielding a great return for shareholders, and is positioned to become the largest travel lead agency in the world. JOSH FERTEL, SALES MANAGER Mr. Fertel has a been in sales for the last 17 years and has consistently increased volume and profitability in every venue that he has been. Mr. Fertel worked for 3 separate divisions of Toyota, and served as the general sales manager increasing sales volume by 68% in already mature divisions. While working with Toyota of Hollywood, Mr. Fertel increased volume so significantly, that the division went from 27th in the country to 2nd in largest volume in the United States. Mr. Fertel holds a B.S. from SUNY Buffalo.
Item 10: The nature and extent of the Issuer’s facilities Mutualoan has nominal business facilities, equipment, and assets. Part D – Management Structure and Financial Information Item 11: The name of the chief executive officer, members of the Board of Directors, as well as the control persons.
Name Position Age Board Memberships,
other affiliations Compensation Ownership
Brian
Tompakov2 Chief Executive Officer ? Chairman of the Board of MUTA, no other affiliations None 51% of common shares
No family relations within the company are known to exist, nor are any related persons3 involved. Item 12 – Financial Information for the Issuer’s most recent fiscal period 2 Brian Tompakov has not been involved in any material legal proceedings. (non‐material example: traffic violations, etc.) 3 Related persons – Director, Officer, nominee for Director, or beneficial owner of more then 5% of any class of securities, immediate family members of any such person, and any person (other than a tenant or employee) sharing the household of such person.
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H99+/9+%)&+9&H*/3/,*30&Q+3+%=%/+)Item 13 – Similar financial information for such part of the two preceding fiscal years as the issuer or its predecessor has been in existence Incorporated from prior filings by reference. Item 14 – Beneficial Owners NAME OWNERSHIP Cede & Co. P.O.B. Bowling Green Station New York, NY 10004 14,385 Linda Hawk 211 Kirkwood Court Sugarland, Texas 77478 22,549 Mutualoan Corp. ℅ Peter Camitiello, Esq. Rarter Krinsky & Drogin, LLP 1350 Broadway, New York, New York 10018 72,235 Item 15 – Contact information for material advisors 15.1 Investment Bankers ‐ N/A 15.2 Promoters ‐ N/A 15.3 Counsel ‐ Marshal Shichtman & Associates, P.C. One Old Country Road STE 360 Carle Place, New York 11514 (516) 741‐5222 15.4 Accountant or Auditors ‐ N/A 15.5 Public Relations ‐ N/A 15.6 Investor Relations ‐ N/A 15.7 Other Relations ‐ N/A
Item 16 – Management’s Discussion and Analysis or Plan of Operation Our merger and acquisition activity also increased as we were continuing our due diligence of our acquisition, THE LICE COMPANY. This Boynton Beach, Florida based business that has a unique method of eliminating Lice in children’s hair, genital crabs in adults, Scabies, and bed bugs. The company’s estimated growth of 100% (not verified) from last year’s sales has alluded to tremendous upside and momentum moving into 2011. The father and son team are in the process of patenting the homeopathic product, which is a completely natural formula made with organic products that exterminates Lice. We anticipate that this will provide the MUTA shareholders with potential upside in asset value, acquired at a discounted level. We are currently in talks with the company and looking to have acquisition completed no later than the second quarter of 2011. MUTA currently is in talks with an investor who is looking to infuse $250,000 of equity funding to allow us not only to acquire The lice company, but also provide the necessary operating capital to grow their operations. We are in negotiations with the investors and are also hoping to close funding in the second quarter of 2011. Upon us completing a feasibility study on business model, underlying business, and completion of due diligence, we have started looking into expanding into vertical integration of homeopathic products, such as a insect repellent, which is a repellent that we can redistribute through The lice company’s distribution channels, that they have already set up. We have also engaged in further talks with county schools, summer camps and other relevant areas to redistribute the product. We have also realized the marketing side of The lice company’s business has to be built out, which will result in a lower cost per sale. Our primary concern is management and the infrastructure which we feel will require substantial capital and organizational reorganization. We have conducted extensive due diligence and are attempting to determine if the valuations we are looking for are fiscally realistic, and have a high probability of successful implementation. We suspect The lice company needs more funding than we initially estimated after our accounting firm has examined the The lice company financials thoroughly. We have also determined that we would have to place a more aggressive management team to deliver the results we need for our shareholders to achieve an acceptable ROI. We have also engaged in discussions with Nexus Business Solutions, Inc. Nexus Business Solutions, Inc. is an internet‐based company that utilizes different internet marketing strategies to capture targeted buyer data and use that data to generate revenues through both affiliate marketing and lead generation sales. There is an incredibly growing demand from companies to specifically target market their consumers and the internet has been the tool that allows advertising companies to do that. Nexus Business Solutions plans to build out different web properties that meet the search needs of people for specific areas and have those individuals whom are searching to allow outside companies to contact them. Nexus Business Solutions will then be able to create a revenue stream from both a lead generation and affiliate marketing strategy. Nexus Business Solutions, Inc. is attempting to bring about a fundamental change in the strategic mindset concerning how services, information and products are marketed and distributed. The company is specifically designed to thrive in any regional marketplace, where an organization’s actions directly affect both its cost structure and its value proposition to consumers. Their unique methodologies generate significant cost savings
by greatly reducing the factors which generate material price thresholds. Buyer value is directly lifted by creating innovative and unique elements to promote industry competition and give the respective constituent companies a competitive edge . It is expected that over time, costs will be reduced even further as economies of scale take effect, due to the high sales volumes that this superior value is expected to generate. With that being said, we have entered into a preliminary agreement to acquire Nexus Business Solution for $100,000 in cash and 10 million shares. The final agreement is expected to be drafted and laid out for investors in the second quarter of 2011. There is an attached business plan for review. We will also integrate management as agreed. Company counsel is determine what type of registration will be required for us. We are currently looking at Super 8k. This will also be outlined in the second quarter of 2011. Part E – Issuance History Item 17 – List all securities offerings or shares issued for services in the past two years None Part F – Material Contracts Item 18 – Material Contracts None Item 19 – Articles of Incorporation and bylaws Incorporated by reference from prior filings. Item 20 – Purchases of equity securities by the issuer and affiliated purchasers None Item 21 – Issuer’s Certifications I, Brian Tompakov, certify that: 1. I have reviewed this Second Quarter Initial Disclosure Statement of Mutualoan; 2. Based on my knowledge, this disclosure statement does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this disclosure statement; and 3. Based on my knowledge, the financial statements, and other financial information included or incorporated by reference in this disclosure statement, fairly present in all material respects the financial condition, results of operation and cash flows of the issuer as of, and for, the periods presented in this disclosure statement.
Date: 25 May 2011 Exhibit 1 – Nexus Business Solutions, Inc. Preliminary Business Plan
Nexus Business Solutions, Inc.
ORGANIZATION PLAN SUMMARY Nexus Business Solutions, Inc. is an internet‐based company that utilizes different internet marketing strategies to capture targeted buyer data and use that data to generate revenues through both affiliate marketing and lead generation sales. There is an incredibly growing demand from companies to target market their consumers and the internet has been the tool that allows advertising companies to do that. Nexus Business Solutions plans to build out different web properties that meet the search needs of people for specific areas and have those individuals whom are searching to allow outside companies to contact them. Nexus Business Solutions will then be able to create a revenue stream from both a lead generation and affiliate marketing strategy. Nexus Business Solutions, Inc. is bringing about a fundamental change in the strategic mindset concerning how services, information and products are marketed and distributed. The company is specifically designed to thrive in any region or marketplace, where an organization’s actions directly affect both its cost structure and its value proposition to consumers. Our unique methodologies generate amazing cost savings by greatly reducing the factors upon which an industry must compete. Buyer value is directly lifted by raising and creating elements that the industry has never before offered. Over time, costs are reduced even further as scale economies kick in, due to the high sales volumes that this superior value generates. Among the largest challenges facing businesses in our marketplace are: ◊ Lead generation and customer acquisition is expensive and difficult ◊ Companies are not versed well in customer retention ◊ Conversion ratios are abysmal ◊ Business Intelligence is severely lacking ◊ Customer trust is very difficult to achieve ◊ Customer loyalty, engagement, and the bottom‐line are suffering ◊ Cross‐selling opportunities are minimized if available at all Companies constantly spend millions of dollars trying to bring different services, products, and their customers together. The current methods that are attempting to bridge the gap in this effort are anything but efficient, more specifically businesses have been unable to effectively address these lost dollars and opportunities. The short‐term goals of Nexus Business Solutions, Inc. are to create websites that meet two criteria: 1) An industry or idea that demonstrates a large amount of search traffic and thus a demand for information on the topic and 2) An industry or idea where companies could capitalize on those searchers demands for products related to that particular industry or idea; These websites will include blogging and expert analysis on a particular topic and the opportunity for the searcher to gain more information by downloading white papers. In order to obtain this level of information, the individual would need to input their information, including, but not limited to: their name, email address, zip code and Date‐of‐Birth. With this information, NBS can then create an affiliate marketing campaign around this data or sell the leads to a procuring party. In the initial stage, NBS will create web properties in five different industries that meet the above criteria.
The long‐term goal for Nexus Business Solutions, Inc. is to become a large‐scale publisher of highly‐targeted information and leads. With the emergence of internet giants like Facebook, Groupon, and Google, marketing companies have made a tremendous push to be able to demographically target potential customers and also be able to quantify results. With the internet’s ability to track traffic patterns of potential customers, companies no longer need to advertise on a billboard or magazine page in hopes of getting exposure. The current trends are to know exactly how many people have viewed your ad, exactly how many showed interest in your ad (clicked on an ad) and exactly how many people took action specifically on that particular ad or did they buy what I’m selling them. In addition, a publishing company such as Nexus Business Solutions will be able to know those consumers’ buying habits and interests, so that future advertisers do not have to waste time or money on consumers that would most likely not be interested in their products or services. Many companies are slow to adapt to the evolution of business and this creates a tremendous advantage for a company such as Nexus Business Solutions, Inc. The bloodline of a company is its ability to attract and convert business, and therefore many companies are willing to spend a large portion of their budget doing just this. NBS will be able to accommodate the needs of these companies that do not have either the knowledge or budget to explore and execute this type of marketing program. For instance, if we create a blog or white paper about what the latest trends in running are and we have 20,000 readers register to read this article, we know that these people have shown an interest in running. If we then approach Nike about their new running shoe line and they inform us that they are looking for names of people between the ages of 25‐45 that run, NBS can be pretty sure that they can draw from our database of names that registered to read our information on running to accommodate Nike’s demands. This biggest threat that faces Nexus Business Solutions is the quickly changing and evolving marketplace. It is because of this, that NBS will put considerable resources and following internet marketing trends and will therefore be on the forefront of these trends. SERVICES Nexus Business Solutions will consist of a multiple revenue stream approach. The initial revenue stream will be from purchasing the white papers on the subject where the customer will gain unpublished information on whatever industry or idea they are looking for. Upon the reader registering with NBS, they will be able to download a white paper from their email that will include this proprietary information they are looking for. Once the reader has input their information, they will have agreed to get notified by our partners. These “partners” would be the companies such as Nike in the aforementioned example. With this lead, we have a more segmented, highly targeted lead. Since Nexus Business Solutions will be running offers in different market segments, we can correlate and partner with companies in similar industries that are looking for these customer types. Through these strategic partnerships Nexus Business Solutions can sell this data directly to the partners, can customize a premium campaign for the partner, or work through multiple affiliate networks such as Commission Junction or LinkShare to create custom publishing campaigns for larger partners such as a Target, WalMart, and Sports Authority. By taking this approach, Nexus Business Solutions is able to find people that are interested in a specific area and therefore NBS is able to sell that person’s information to multiple partners. If we look back to our runner example, we would not have to stop at marketing Nike’s shoes to them. There may be a 5k race in Orlando that is looking to promote its event and may ask us to market to people that have an interest in running within 200 miles of Orlando or a product like Everstride that is a lubricant that runners use to avoid chaffing in their inner‐thighs and chest. To the viewpoint of the researcher, they will be happy as marketing will be unobtrusive and will bring new products and events that they have demonstrated interest in to the forefront.