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page 2 <br /> • 2 ) The primary market area for our business will consist of <br /> the cities of Elk River, Ramsey and Otsego. We will <br /> provide home delivery, take-out, and dine-in services . <br /> One of our major objectives is to become involved with <br /> the local youth sports programs , inasmuch as we will be <br /> able to provide adequate banquet facilities for team and <br /> family get-togethers. <br /> 3 ) Current competition consists of: ( a ) Pizza Hut, whose <br /> menu consists basically of pizza and spagetti dishes <br /> using primarily pre-made ingredients . Services include <br /> dine-in, take-out and delivery, but no banquet <br /> facilities; (b) Domino' s Pizza, whose business is <br /> strictly pizza delivery or take-out; ( c) Broadway Bar & <br /> Pizza, providing a varied menu including pizzas, but <br /> very little, if any, pasta dishes . Services include <br /> dine-in or take-out, but no home delivery; also has a <br /> bar atmosphere not suitable for youngsters. <br /> 4 ) To profile our customers is difficult because they <br /> encompass children and adults of all age groups, but our <br /> intent is to provide a family dining atmosphere and <br /> serve Italian-style food at competitive prices, with an <br /> emphasis on banquets for youth groups, family <br /> get-togethers , business luncheons, and the like, and <br /> • offering discounted meals for senior citizens . <br /> COLLATERAL <br /> At the present time, we are willing to pledge equity <br /> in our home in Ramsey as collateral on this loan. <br /> • <br />