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			 RMD Financial Corporation is a Colorado 
			based consulting firm. We are both innovative and contemporary in 
			our approach to business, financial and communications consulting. 
			Since 1989, RMD's clients have received a broad range of business, 
			financial, communications, and management consulting services and 
			related products. Our clients benefit from the management and 
			computer expertise that RMD's management team offers.  We are 
			very good at what we do and are proud of the quality of service we 
			provide. Mr. Daniel has seventeen years experience in commercial 
			leasing and lending in the Rocky Mountain Region. He has managed 
			commercial leasing/lending portfolios which range in size from $15 
			to $60 million dollars. As the senior credit officer for the 
			Colorado Region of a five billion dollar national company, Mr. 
			Daniel supervised a staff of twenty-five professionals in five 
			states. Mr. Daniel's extensive experience in the media includes both 
			radio and television where he hosted several talk shows that 
			addressed business and financial issues. Mr. Daniel received a 
			Bachelor of Science Degree in Computer System Design. 
			 
			 
			
			
			Industry Specific RFP and RFQ Structuring 
			Development and Packaging 
			
			
			The public sector's ability to solicit competitive and economically sound bids often depend on the agency's in-house expertise and technical support from one or more bidders.   The public sector's reliance on the expertise of competitors has and continues to create major creditability and competition conflicts.   Public sector agencies are now avoiding these problems by engaging industry specific RFP and RFQ  structuring firms. RMD Financial Corporation has established itself as an industry leader in this very specialized segment of the financial consulting market.   We have structured RFPs and RFQs for public sector agencies that control over 35% of Colorado's local public sector dollars.
  
			 
			
			
			Request for Proposal and Qualification Document Development 
			 
			
			The management at Denver Broncos Stadium requested that RMD develop and manage the Request for Proposal process and complete an in-depth financial and management analyses of bidders who were competing for the food and beverage concession.  The City's internal selection process was not affected by our analysis, as our role was to evaluate and rank the bidders for the management of the City.   MHS has an operating budget of $9 million, controls $125 million dollars in City assets and employs 175 people.
			  
			 
			 
			
			Airport Concession Proposal 
			Development and Packaging 
			
			
			RMD Financial Corporations 
			airport concession proposal development and packaging services 
			includes: an in-depth concession program analysis of each airport, 
			creation and implementation of a twelve to eighteen month airport 
			concession rollout strategy and the design of an airport specific 
			décor and menu plan. The most critical stage in the concession 
			development (new concession) process is the selection of each 
			airport, and concourse based upon the customer profile of each 
			firm. For example; you would not want to develop a Mont Blanc 
			store in a Southwest Airlines terminal. Simply stated, the key to 
			success as an international airport concessionaire is research and 
			preparation. Each new airport concession investor must fully 
			understand the economic and financial dynamics of each airports 
			concession program. The quality and scope of an airports concession 
			program can determine the success or failure of a concession 
			concept. Many airport concession managers lease too much concession 
			space considering the passenger traffic history of their airport. 
			The process of securing a new airport concession could take from one 
			to four months.  
			 
			 
			
			
			Acquisition of Airport Concessions
			 
			
			There are only two ways to become an 
			airport concessionaire; you either acquire (buyout) an existing 
			concession or become the selected vender in an open Request for 
			Proposals Process. Both the buyout and RFP process require the 
			approval of each airports property office. RMDs concession buyout 
			(acquisition) services include an in-depth concession program 
			analysis of selected airports. In fact, we are the only firm which 
			ranks the top 20 US airports based upon the performance of their 
			concession programs. Since September 11, 2001, the issue of pre or 
			post security concession locations has become a major consideration 
			for concessionaires. The process of acquiring an airport concession 
			could take from four to eight months.  
			 
			 
			
			
			Marketing of Airport Concessions 
			
			 Airport concessionaires decide to 
			sale their concession for a range of reasons including; retirement, 
			divorce, death, termination of a partnership, and failure of a 
			concession concept and others. RMD is the industry leader in the 
			marketing of airport concessions. With 35 concession locations, in 
			16 major airports we set the standard for the buyout and re-sale of 
			airport concessions. We have the resources, and experience to 
			establish the market value of each principals ownership interest 
			in business assets and lease rights in their international airport 
			concessions. The market value of each concession depends upon 
			whether it is a retail, service or food concept, the term of the 
			lease and several other factors. A concession which is designated a 
			Disadvantage Business Enterprise (dbe) location has a lower value 
			compared to a non-designated location. The value of a concession is 
			also impacted by the term, and structure of the concession 
			agreement; as well as other factors. The process of selling an 
			airport concession is complex and could take from 4 to 8 months.
			 
			 
			 
			
			
			Management Consulting Services 
			 
			
			
			RMDs management consulting services 
			range from business plan evaluation to financial packaging. RMD 
			utilizes its financial management expertise to assist its clients in 
			their development of sound financial and management structures. Our 
			consulting services are provided to both the public and private 
			sectors. Our firms computer related services includes systems 
			analysis, design, and upgrades. We provide specialized financial 
			management reporting and systems software. RMD is the industry 
			leader in the selling of ongoing businesses.  Business owners 
			decide to sell their company for a range of reasons from; 
			retirement, divorce, death, termination of a partnership, lifestyle 
			change, failure of a concession concept and others.   
			 
			 
			
			
			Valuation of Airport Concessions 
			 
			
			
			Business valuation is a process and a set of procedures used to estimate the economic value of an owners interest in a business.  Each business valuation is used by financial market participants to determine the price they are willing to pay or receive to perfect a sale of a business. In addition to estimating the selling price of a business, the same valuation tools are often used by business appraisers to resolve disputes related to estate and gift taxation, divorce litigation, allocate business purchase price among business assets, establish a formula for estimating the value of partners' ownership interest for buy-sell agreements, and many other business and legal purposes.  All airport concession leases decline in value monthly. This is due to the fact that each firm, which acquires an existing concession location must be able to recover its investment (acquisition, build out cost and generate an acceptable ROI during the remaining term of the existing lease. In fact, most existing concessions with less than 3 months before they expire have limited value; if no renewal or extension is secured.    
			 
			
			
			Asset Acquisition Cost Analysis  
			 
			
			The 
			public sector invests substantial dollars in the acquisition of 
			operating equipment (computers, copiers, vehicles, communications 
			and video products) that is acquired via lease and/or finance 
			options. Such lease or finance vehicles include funding costs that 
			are considered high by the public sector. Hence, the public sectors 
			asset acquisition cost for such operating equipment is high. We 
			conducted an analysis for a public sector agency that was paying 
			16.75% to acquire a fleet of vehicles (purchase price $1,000,000) at 
			a time when the agencys tax exempt cost of funds was 5.65%. 
			Simply stated, we provide public sector administrators with the 
			financial expertise to negotiate the most financially sound 
			acquisition structure possible. We can assist administrators as they 
			negotiate the purchase of new equipment or restructure existing 
			lease or finance transactions.  
			 
			 
			
			
			Industry Specific RFP Structuring
			 
			
			
			The public sectors ability to solicit 
			competitive and economically sound bids often depends on the agencys 
			in-house expertise and technical support from one or more bidders. 
			The public sectors reliance on the expertise of competitors has and 
			continues to create major creditability and competition conflicts. 
			Public sector agencies are now avoiding these problems by engaging 
			industry specific RFP structuring firms. We have structured RFPs 
			for public sector agencies that control over 35% of Colorados local 
			public sector dollars.  Financial and Management of Proposals 
			RMD Financial Corporation has provided professional and impartial 
			financial and management evaluations of proposals for the public and 
			private sector since 1989. The financial and management strengths of 
			each bidder are evaluated and compared to the other bidders in the 
			pool. The task is to award the project to the bidder that provides 
			the most economically sound bid and has the greatest probability of 
			becoming a successful vendor.  
			 
			 
			
			
			Website Developing and Marketing 
			 
			
			The Internet has opened a whole new 
			world of opportunity for all of us. With the vast amount of 
			information available at your fingertips, it has never been easier 
			to communicate your message to the world. A website will enable you 
			to create your own business on the World Wide Web. Your business may 
			be as simple or dynamic as you'd like and is only limited by your 
			imagination. RMD will assist you in developing a professional web 
			site.  
			 
			 
			
			
			Internet Marketing   
			
			The Internet has opened a whole New 
			World of opportunity for even the smallest business owner. There are 
			countless numbers of new self-made millionaires that achieved their 
			newfound success on the Internet. These new millionaires are no 
			different from you and me. They started their Internet businesses 
			from the ground up, found a niche and built their success one day at 
			a time.  
			 
			 
			
			
			Outstanding Achievements and National 
			Recognition 
			
			RMD Financial Corporation is recognized 
			nationally as an expert in international airport concession 
			marketing and management as noted in articles in the following 
			publications:  
			
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				Retail World Airport News 
				  
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				The Denver Post   
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				The Rocky Mountain News 
				  
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				The Denver Business Journal 
				  
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				United Press International (UPI)
				  
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				Colorado Business Journal 
				  
			 
			
			Since 1989 RMD as been recognized as a 
			leader in the small and minority business communities:  
			
				- 
				
				The US Small Business 
				Administration recognized RMD as the Small Business Advocate of 
				the Year in 1996.   
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				Colorado Governor Dick Lamm 
				recognized RMD for its outstanding service to the Colorado 
				business community.   
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				Colorado Governor Roy Romer 
				recognized RMD for its outstanding service to the Colorado 
				business community.   
				- 
				
				Pat Schroeder of the U. S. House of 
				Representatives recognized RMD for its outstanding service to 
				the Colorado business community.   
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				Denver Mayor W. E. Webb recognized 
				RMD for its outstanding service to the Denver business 
				community.   
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				The Colorado Black Chamber of 
				Commerce recognized RMD for its outstanding service to the 
				Colorado black business community.   
			 
			
			A synopsis of RMD's public and private 
			sector projects will be provided upon request.  
			
			Mission Statement 
			
			 RMD's mission is to provide its 
			public and private sector clients with the products and services 
			they need to insure their long term success. 
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