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  1. APP FRM                                                           --------------------------------------------------------------------------------| MEMORANDUM                                  XYZ BUSINESS INC                 ||------------------------------------------------------------------------------|| REFER              | DATE             | INITIATOR                    | ENCL  ||   TO:              |                  |                              |       ||------------------------------------------------------------------------------||                                       | CC                                   ||   TO:                                 |                                      ||                                       |                                      ||                                       |                                      ||                                       |                                      ||                                       |                                      ||                                       |                                      || FROM:                                 |--------------------------------------||                                       | SIGNATURE                            ||                                       |                                      ||------------------------------------------------------------------------------|| SUBJ:                                                                        ||                                                                              ||------------------------------------------------------------------------------||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                                              ||                                                             -----------------||                                                            | PAGE     OF     |-------------------------------------------------------------------------------------------------------||------------------------------------------------------------------------------------------------------||