Half year program by IFJ Institut für Jungunternehmen

Supported by IFJ: Shavejack founder Thomas Sonderegger and Martina Waser with master turner Thomas Meier

STARTUP GUIDE STARTIMPULS 1st HALF YEAR 2020

YOUR COMPANY DREAMS COMES TRUE

CHANGE YOUR PERSPECTIVE. FOUND YOUR OWN COMPANY.

IFJ SUPPORTS YOU WITH YOUR FOUNDATION AND TO ACCOMPLISH MARKET SUCCESS. Every day, more than 50 people in Switzerland take the step into selfemployment. It takes courage and passion. We made it our mission to be a compass for these people on their way to independence. So as their idea grow, their company count one day as the foundation of the Swiss economy. Since 1989, IFJ the institute for young entrepreneurs has accompanied more than 125’000 company founders on their way to self-employment. Today, IFJ accompanies 20’000 startups in Switzerland annually with consulting, workshops, Businessplan Tools, Presentations, Events, Business softwares, funding programs and company foundations. Well–known partners such as bexio, Mobiliar, PostFinance and Swisscom as well as the public sector have been relying on the cooperation with the IFJ for years. This allows us to offer comprehensive startup support free of charge for founders in Switzerland. Find your support in the Startup Guide.

Supported by IFJ: Shavejack founder Thomas Sonderegger and Martina Waser with master turner Thomas Meier

Entrepreneurial regards, Simon May & André Brühlmann Management

SUCCESS CREATES TRUST. 125’000 FOUNDERS IN 30 YEARS. Since 1989 we have been supporting people in realizing their entrepreneurial dreams. We started with a mandate from a major bank to train, accompany and support people on their way to self-employment. Even today, renowned companies and the public sector are involved as partners of IFJ. Based on this business model, we can offer comprehensive startup support free of charge.

The past 30 years some of the most successful national funding programmes and services for startups have been emerged: • 2004 – Venturelab • 2007 – Venture Kick • 2009 – startwerk.ch • 2011 – TOP 100 Startups • 2012 – Online Incorporation Service • 2013 – businessplan.ch • 2016 – startup space

Starting up better for sure with startup package for young entrepreneurs

BELONG TO THE BEST SWISS STARTUPS THANKS TO OUR SUPPORT.

You have set up your own firm or are about to do so. While you take off as an entrepreneur, we take care of the insurance matters. Benefit from attractive premium reductions – a welcome financial relief in the initial phase of your business.

Beat Schillig, IFJ Founder & Chairman of the board

mobiliere.ch/jeunes-entreprises

004144

We will be glad to offer you personal advice.

ars of Two ye ount free acc ent m manage

WHAT IT NEEDS FOR A SUCCESSFUL COMPANY? Do you consider starting your own business with your idea? Or have you already decided? Then you are at the right place. We accompany you in your preparation and support you on the way to independence with advice and action. Attend our free courses in your region, order fact

ea d i y m I turn eality. into r Set up your business with us step by step.

sheets and checklists, get information from our IFJ startup blog or use our support team for advice. Use our national, free support offers and get yourself in the best shape for starting your new company.

PREPARE YOURSELF BEST WITH OUR INTENSIVE AND FREE COURSES.

Lilo BĂźnger, Courses & Coachings

Find out more at postfinance.ch/startuppackage

www.ifj.ch/inform

Get off to a flying start with the right communications solution.

LLC, SOLE PROPERIETORSHIP, LTD. OR COLLECTIVE PARTNERSHIP – FOUND EASY AND FREE. You’re ready to incorporate your new company? Clarify your questions around your company foundation with our experienced team or start directly with the online foundation service. Personal, friendly and competent. Our Team(s) accompany you through the entire founding process. Thanks to our popular online service, you can easily set up on your own or in a team your limited company, sole proprietorship or general partnership at any time.

10 years Swisscom StartUp

Our experts, lawyers and notaries take over the complete incorporation process for you.

PROFFESSIONAL SUPPORT RIGHT FROM THE START OF YOUR INCORPORATION PROCCESS

Danica Hafner, Head Legal Department

Ask our StartUp experts for advice with no obligation. 0800 782 788 More info at swisscom.ch/startup-benefit www.ifj.ch/incorporate

PROVEN ENTREPRENEURIAL TOOLS AND PROFITABLE STARTUP DEALS.

Less admin

If you want to go high, you have to plan your future success. This is especially important when setting up new companies. Precise bookkeeping, advice on legal issues, promising marketing and profitable customer acquisition are decisive for sustainable success.

Use our wide range of services and benefit from the know-how of our professionals. Expand your knowledge with our free courses and expert advice followed by networking, use various services and startup deals or become part of our top-class. Get started with us.

GET STARTED THANKS TO THE IFJ SUPPORT.

Raphael Huber, Business Solutions

The online desk for companies easygov.swiss

www.ifj.ch/get-started

STARTUP SPACE – WHERE NEW THINGS BEGIN. In the startup space we offer on 1’500m² not only innovative and modern workplaces and offices, but also enough space for seminars, meetings and events - next to the train station in Schlieren. www.startup-space.ch

THAT EXPECTS YOU epresentative offices and ›R individual workstations

› Meeting rooms with up to 16 seats

› Seminar and workshop rooms with up to 120 seats

› C omfortable lounges and a large terrace

Coworking workstations, offices and event rooms for you next to the train station in Schlieren.

› E very first friday of the month

our first friday community lunch

r wo rt h Vouche 0 0 CH F 2

You just founded a company: have you thought of everything? Professional risk check, especially for young entrepreneurs – free of charge for you! Voucher code IFJ2185 www.swisslife.ch/risk-check/en

LIVE YOUR DREAM

IFJ ACCOMPANIES YOU WITH ALL YOUR QUESTIONS ... OUR INCORPORATION SERVICE Checklists The accumulated knowledge of the IFJ the institute for young entrepreneurs for more than 30 years of startup support. Download for free. Legal forms We look forward to advising you on the right legal form for your business, whether 15 over the phone or in a personal consultation. Why not attend our course «How to start a company in Switzerland» for free and find out everything you need to know, with other prospective founders. IFJ BusinessPlan Tool We’ve developed the unique IFJ Business Plan Tool for this purpose, in collaboration with banks, investors and entrepreneurs. It guides you easily, step by step, through all the key points. At the press of a button, it creates a perfectly formatted business plan for you, including financial planning, in Word.

www.ifj.ch/inform

FOUND YOUR START UP

... ON THE WAY TO SELF-EMPLOYEMENT LLC, SOLE PROPERIETORSHIP, LTD. OR GENERAL PARTNERSHIP – FOUND EASY AND FREE Incorporation service Thanks to PostFinance and Swisscom, our incorporation is free of charge, and you will also enjoy special offers from well-known partners to help you get up and running. Incorporation process We will accompany you throughout the entire process – from initial quotation, to data entry, through to entering your company in the commercial register. You can do everything from your home, the incorporation takes only a short time. Personal consultation Let our startup experts clarify any questions you might have about setting up your new company, so you can get started calmly and confidently. Our experts will help you with advice and support.

www.ifj.ch/incorporate

BUSINESS TOOLS AND STARTUP DEALS Accounting bexio offers a comprehensive web solution for startups that automates your processes to their maximum, simplifying your everyday operations significantly. Legal services Our JurServices will ensure your business plans are in safe hands. You can enjoy as well the tried and tested services of our partner, Gründler + Partner Rechtsanwälte. Offers for startups Resources are usually stretched, especially in the early days of self-employment. So here are the best startup offers from our well-known partners to help you save money and keep costs low.

www.ifj.ch/get-started

VENTURELAB WORLD-CLASS STARTUPS SWISS MADE

Together with successful founders, leading academic and industry partners; Venturelab de-signs and operates programs to bring the best startup talents to the next level of develop-ment. Our core mission is to support entrepreneurs from start to successful financing and international growth.

VENTURE KICK CHF 5 MILLION SEED CAPITAL ANNUALLY FOR INNOVATIVE STARTUP PROJECTS Commissioned by Innosuisse, Venturelab executes the Innosuisse Start-up Training cour-ses, where industry-specific entrepreneurs and investors share their know-how with young entrepreneurs. All participants receive a personal coach. With Venture Leaders, we take the Swiss National Startup Teams to Silicon Valley, Boston, New York, China and Barcelona, supporting them on their global expansion path. We are also particularly proud of the suc-cess of our mandate to run the operations of the Venture Kick Foundation since its launch 11 years ago: Kicking 634 spin-off projects has resulted in 487 incorporated companies that have cumulatively raised CHF 2,5 billion of investment. Our team operates from our startup space in Zurich and offices in Lausanne and St Gallen. 75 of the TOP 100 Swiss Startups of 2018 have started with Venturelab: Abionic, Ava, Bcomp, BestMile, Climeworks, Flyability, InSphero, L.E.S.S., Lunaphore, MindMaze, Qualy-Sense, VirtaMed and many more.

Venture Kick was launched in 2007 with the vision to double the number of spin-offs at Swiss universities, to accelerate the time-to-market and to raise the attractiveness of these young companies to professional investors. Venture Kick helps highly innovative entrepreneurs from Swiss universities and institutes of higher learning with seed capital of up to CHF 150,000. These startup projects also benefit from business development workshops and an extensive investor network. Until now, 675 startups have benefited from the overall support of CHF 29,2 million.

The programme has contributed to the creation of around 7’000 new jobs for highly qualified people and to a financing volume of well over CHF 3,4 billion. 54 of the TOP 100 Swiss Startups 2019 started with Venture Kick, such as L.E.S.S., Uepaa, Flyability, Ava, Polyneuron Pharmaceuticals, Glycemicon and Lunaphore. The results show that the Swiss economy has benefited substantially from the Venture Kick approach. The Venture Kick initiative is financed by private foundations, companies and individuals: Gebert Rüf Stiftung, Ernst Göhner Stiftung, Hauser Stiftung, André Hoffmann, Hansjörg Wyss, Martin Haefner, Igor Fisch, ProTechno, ESA BIC Switzerland, Engagement Migros and Swisscom. www.venturekick.ch

www.venturelab.ch www.venturekick.ch www.venture-leaders.ch www.venturelab.ch/innosuisse

Top 100 Swiss Startup Award Winner Team 2019: Flyability AG

The Zurich based startup QualySense won the Venture Kick final.

START IMPULS CONFERENCES

EXCITING LECTURES AND NETWORKING

AARGAU FROM 6.30 PM TECHNOPARK AARGAU

BASEL FROM 6.30 PM LAUNCHLABS, HALLE 8

Florian Gautschi 062 835 24 40 florian.gautschi@ag.ch

Rahel Schneider 061 295 50 00 rahel.schneider@baselarea.swiss

MO, 27.01. ONLINE-MARKETING 101

MI, 08.04. VIDEO & CONTENT MARKETING: MIT GUTEN GESCHICHTEN ร BERZEUGEN

Lisa Ann Preuss, LA Preuss Consulting

DO, 26.03. SPECIAL EVENT STARTUPFORUM AARGAU (START 11:30) / BUSINESS SPEED DATING (START 10:30) 1

YOU ARE INTERESTED IN THE TRENDS IN MARKETING, SALES, COMMUNICATION, INTERNET, COMPANY FOUNDATION OR FINANCING? YOU LIKE TO HEAR SUCCESS STORIES AND WANT TO MEET PEOPLE WHO WRITE THEM? DO YOU WANT TO KEEP UP TO DATE WITH THE LATEST BUSINESS DEVELOPMENTS?

DO, 28.05. KALTAKQUISE: DU HAST 15 SEKUNDEN! Eric Bilang, Human Interact GmbH

OUR STARTIMPULSE OFFERS YOU EXACTLY THAT. MONTH FOR MONTH. Spezialanlass in Zusammenarbeit mit Aargau Services Standortfรถrderung an der AMA, Schachen, Aarau

Stefan Huber, StoryUp GmbH

MI, 17.06. NEUKUNDEN ZUM NULLTARIF Hans Peter Frei, The Sales Results Company

BERN FROM 6.30 PM WELLE 7

GENÈVE FROM 6.30 PM FER GENÈVE

GRAUBÜNDEN FROM 6.30 PM HTW CHUR

LAUSANNE FROM 6.30 PM CVCI

Stephan Jossen 031 389 76 59 stephan.jossen@mobiliar

Douglas Finazzi 021 533 09 87 douglas.finazzi@ifj.ch

Michael Forster +41 81 286 24 09 michael.forster@htwchur.ch

Douglas Finazzi 021 533 09 87 douglas.finazzi@ifj.ch

DO, 09.01. INSTAGRAM LEICHT GEMACHT

DO, 23.01. RÉUSSIR SES VENTES DANS UNE JEUNE ENTREPRISE

DO, 09.01. SPECIAL EVENT4 TOPKMU-ZMORGA: DIE GUTEN VORSÄTZE FÜR 2020 GLEICH ANPACKEN UND UMSETZEN

DO, 06.02. LE RÔLE DE LA GOUVERNANCE DANS LA VALORISATION DE L’ENTREPRISE

Janaina Von Moos

Pierre Maréchal, Strategic Sales SA

MI, 25.03. VERGISS PREISDRUCK UND RABATTE Martin Aue, Marketlink Consulting GmbH

MI, 13.05. SPECIAL EVENT GUTE IDEEN WERDEN GEKLAUT: SO SCHÜZT DU DICH! 2

Matthias Käch, IGE Institut für Geistiges Eigentum

DI, 10.03. DEVENIR L’ATHLÈTE DE SA VIE

Jean-Luc Cheneaux, Kellerhahls Carrard

DI, 17.03. SPECIAL EVENT5 VIDEO & CONTENT MARKETING: MIT GUTEN GESCHICHTEN ÜBERZEUGEN

Soraya Francisco, Studio SoHam

Stefan Huber, StoryUp GmbH

DI, 14.04. SPECIAL EVENT3 PITCH’N’BAR – GENÈVE

DI, 02.06. SPECIAL EVENT6 STARTUP FORUM GRAUBÜNDEN 2020 (START 17:00) / BUSINESS SPEED DATING (START 16:00)

DI, 25.02. APPRENDRE À SE DECONNECTER EST DEVENU AUSSI IMPORTANT QUE D’APPRENDRE À SE CONNECTER Frank Leuser, Indépendant

Spezialanlass in Zusammenarbeit mit CSEM

und dem KMU-Zentrum Graubünden

Spezialanlass in Zusammenarbeit mit dem Amt

Spezialanlass in Zusammenarbeit mit dem Wirtschaftsraum Thun im Kino Rex, Aaraustrasse 21, Thun

Occasion spéciale en collaboration

avec la Fondetec

für Wirtschaft und Tourismus Graubünden, der FH GR sowie dem KMU-Zentrum Graubünden

Spezialanlass in Zusammenarbeit mit dem Amt

für Wirtschaft und Tourismus Graubünden und der FH GR an der FH GR, Aula, Pulvermühlestrasse 57, Chur

You will first have an interesting short presentation and then you get the opportunity to exchange ideas, make new contacts and maintain existing ones at the aperitif.

DI, 03.03. SPECIAL EVENT7 PITCH’N’BAR – FOOD & HOSPITALITY EHL

LUZERN FROM 6.30 PM TECHNOPARK LUZERN

NEUCHÂTEL FROM 6.30 PM COWORKING NEUCHÂTEL

DI, 24.03. SPECIAL EVENT8 PITCH’N’BAR – DURABILITÉ UNIL

Ilona Cools 041 455 20 33 ilona.cools@technopark-luzern.ch

Douglas Finazzi 021 533 09 87 douglas.finazzi@ifj.ch

DI, 26.05. 5 CLÉS POUR ENTREPRENDRE

DO, 04.06. COMMENT DÉVELOPPER SA PRÉSENCE SUR GOOGLE MAP ?

MO, 03.02. VERKAUFEN ZWEITER ORDNUNG

DI, 12.05. SPECIAL EVENT9 PITCH'N'BAR – NEUCHATEL

Christophe Subilla, Indépendant

Jörg Hilber, MY MASTERPLAN

Dolores Gédet, Evergreen Coaching

EXPAND YOUR KNOW-HOW WITH OUR STARTIMPULSE PRESENTATIONS.

DO, 25.06. L'AVENIR DE LA DISTRIBUTION À L'ÈRE DE LA TRANSITION DIGITALE

DI, 28.04. DIE MAGIE EINES PERFEKTEN GEDÄCHTNISSES

Thomas Baillod, Trade Academy

Gregor Staub, mega memory Gedächtnistraining

Joana Hahn, Events

Occasion spéciale en collaboration avec l’Ecole Hotelière de Lausanne

Occasion spéciale en collaboration avec l’Université de Lausanne

Occasion spéciale en collaboration avec Microcity

SOLOTHURN FROM 6.30 PM H4 HOTEL SOLOTHURN

ST. GALLEN FROM 6.30 PM EINSTEIN CONGRESS

THURGAU FROM 6.30 PM RATHAUS

WINTERTHUR FROM 6.30 PM TECHNOPARK WINTERTHUR

Adriana Gubler 032 627 94 11 adriana.gubler@awa.so.ch

Joana Hahn 071 242 98 98 joana.hahn@ifj.ch

Tiziana Ferigutti 071 622 19 19 info@startnetzwerk.ch

Manuela Holzer 058 934 75 30 xhoz@zhaw.ch

MO, 23.03. SPECIAL EVENT10 PR IST TOT – LANG LEBE PR!

DI, 14.01. ERFOLGSGESCHICHTEN MIT GOOGLE

DO, 02.04. WAS DU ZUM MARKENRECHT WISSEN MUSST

DI, 04.02. SPECIAL EVENT14 KALTAKQUISE: DU HAST 15 SEKUNDEN!

Pascal Schläpfer, netpulse

Sebastian Saissi, freigutpartners IP Law Firm

Eric Bilang, Human Interact GmbH

MI, 26.02. WANN DIR MENSCHEN WIRKLICH ZUHÖREN

MO, 29.06. PR IST TOT – LANG LEBE PR!

MI, 29.04. FEHLER IM AUFBAU EINES STARTUPS - UND WIE MAN SIE VERMEIDET

Brigitte Kaps, Rent a PR

MO, 18.05. SPECIAL EVENT ONLINE-MARKETING 101

Lisa-Ann Preuss, LA Preuss Consulting

Brigitte Kaps, Rent a PR

Christian Busenhart, Auftrittstrainer

Joel Ben Hamida, bexio AG

MO, 16.03. TYPISCHE FRAGEN ZUR GRÜNDUNG VOM ANWALT ERKLÄRT Fabian Mörtl, Gründler + Partner Rechtsanwälte AG

FR, 01.05. SPECIAL EVENT12 STARTUP FORUM ST. GALLEN @ RHEMA (START 12:00) / BUSINESS SPEED DATING (START 11:00) DI, 23.06. SPECIAL EVENT13 DAS LINKEDIN ABC Janaina Von Moos

Spezialanlass in Zusammenarbeit mit der Wirtschafsförderung des Kanton Solothurn

Spezialanlass in Zusammenarbeit mit der Wirtschafsförderung des Kanton Solothurn im FHNW Campuls, Riggenbachstrasse 16, Olten 12 Spezialanlass in Zusammenarbeit mit dem Amt für Wirtschaft und Arbeit St.Gallen und PostFinance, RHEMA, Allmendplatz, Rheintal-Halle 4, Oberreitstr. 55, Altstätten 11

Spezialanlass in Zusammenarbeit mit Startfeld

Spezialanlass in Zusammenarbeit mit Swico

ZUG FROM 6.30 PM BOSSARD ARENA

ZÜRICH FROM 6.30 PM STARTUP SPACE

Albina Begic 041 710 99 39 albina.begic@technologieforumzug.ch

Albert Schweizer 044 738 15 06 albert.schweizer@schlieren.zh.ch

MO, 02.03. NEUKUNDEN ZUM NULLTARIF 28

Hans Peter Frei, The Sales Results Company

DI, 07.04. SPECIAL EVENT TAG DES GRÜNDENS ZUG (START 08:30 UHR)

DI, 05.05. «LIEBER TRAUM, DU KANNST MICH MAL!» Daniel Enz, enz coaching für Verkauf & Kommunikation

MO, 13.01. SPECIAL EVENT16 E-COMMERCE UND ONLINEHANDEL IM BERMUDA-DREIECK Stephan Pua, scp factory GmbH

DI, 28.01. DER PREIS MACHT SCHWEISS Daniel Enz, enz coaching für Verkauf & Kommunikation

MO, 17.02. DIE MAGIE EINES PERFEKTEN GEDÄCHTNISSES Gregor Staub, mega memory Gedächtnistraining

DI, 03.03. MARKETING IS THE KEY TO SUCCESS Roman Probst, MARKETING-PRobst GmbH in Englisch

DO, 19.03. SPECIAL EVENT17 DIE 7 TODSÜNDEN DER DIGITALISIERUNG

Daniel Niklaus, Netlive

MO, 06.04. SPECIAL EVENT18 WANN DIR MENSCHEN WIRKLICH ZUHÖREN

Christian Busenhart, Auftrittstrainer

MI, 20.05. SPECIAL EVENT19 PF LAB HOT EVENT

Spezialanlass in Zusammenarbeit mit dem

Kanton Zug, tfz und zinno im «im dreiklang», Bahnhofstrasse 5, Steinhausen S pezialanlass in Zusammenarbeit mit Acin S pezialanlass in Zusammenarbeit mit Start

16 17

Smart Schlieren

Spezialanlass in Zusammenarbeit mit

Swico

Spezialanlass in Zusammenarbeit mit

PF Lab

Spezialanlass in Zusammenarbeit mit

Netpulse und Flyeralarm

Christian Busenhart, Auftrittstrainer

DI, 26.05. SPECIAL EVENT20 ERFOLGSGESCHICHTEN MIT GOOGLE

Pascal Schläpfer, netpulse

MO, 08.06. DIE 5 GRUNDSÄTZE ERFOLGREICHER NEUKUNDENGEWINNUNG

Jörg Hilber, MY MASTERPLAN

DO, 25.06. NETWORKING GRILL EVENT (START 17:00 UHR)

«Thanks to our partnership with IFJ, startups can benefit from our combined expertise. bexio is a tool that enables start-ups to take control of their business from the very beginning. Together with IFJ as our strong partner, I’m delighted to help young entrepreneurs maximize the growth of their startup business.» Jeremias Meier, bexio

«Our collaboration with the IFJ is an important contribution to strengthenig Switzerland’s position not only as a centre for work, but particularly as a center of thought: the networking platform provided by STARTIMPULSE events with the regional centers promotes values that are also core values of our company.» Stephan Jossen, die Mobiliar

IFJ Institut für Jungunternehmen AG Schützengasse 10 9000 St. Gallen startup space Wiesenstrasse 5 8952 Schlieren

«PostFinance supports the interest of founders with conviction. That has led to our partnership with IFJ Institut für Jungunternehmen. Together with the IFJ, we develop special offer for startups.» Dennis Lengacher, PostFinance

EPFL Innovation Park Bâtiment C 1015 Lausanne Deutschschweiz +41 (0)71 242 98 98 Romandie +41 (0)21 533 09 81 ifj.ch startwerk.ch businessplan.ch startup-space.ch

«We share and support the commitment of IFJ Institut für Jungunternehmen in the promotion of entrepreneurship in Switzerland. This shared the commitment has led to the emergence of a long-standing partnership geared towards helping as many startups as possible.» Roger Wüthrich-Hasenböhler, Swisscom

IFJ Institut für Jungunternehmen AG Support Center Schützengasse 10 9000 St. Gallen

WE AND OUR PREMIUM PARTNERS

I ncoporation a sole proprietorship, general p artnership, PLC or LLC Personal consolation

INCOPORATE FOR FREE

Postal Code / City Phone E-Mail

Name

Company / Project

Web

S wiss Life: free risk consultation worth CHF 200.– Volvo Car Rent: CHF 200.– discount on your first month’s rental Asendia/Post: Vouchers for worldwide shipments worth CHF 200.–

Street / Number

F LYERALARM: 15% off your first order Google: CHF 100.– voucher for AdWords Swico: Membership for ICT startups Innovator: Free annual subscription worth CHF 28.–

INFORM WITHOUT OBLIGATION

ie Post: Up to 20% discount D on the dispatch of unad dressed promotional mailings S -GE: Free initial telephone consultation on your inter nationalization issues netpulse: Website incl. text and photos at startup price

ccounting solution A Legal services C ourses for statups Conferences with networking Join the TOP 100 startups in Switzerland C HF 150’000 startup capital for project at Swiss university

GET STARTED

First ame

b exio: Try business software for 30 days free of charge la Mobilière: Premium discounts P ostFinance: Free start-up offer Swisscom: Our StartUp offer will help you on your way

EXCLUSIVE STARTUP DEALS FROM THE IFJ-PARTNERS

E stablishing a business cours Businessplan Basic course I FJ BusinessPlan Tool Workshops & Coaching for innovative Startup Talents

INFORM

SEND IN YOUR REPLY CARD FREE OF CHARGE AND REQUEST INFORMATION WITHOUT OBLIGATION.