User talk:SEDA BABY

Welcome!
Hello, SEDA BABY, and welcome to Wikipedia! I hope you like the place and decide to stay. Unfortunately, one or more of the pages you created, such as User:SEDA BABY, may not conform to some of Wikipedia's content policies and may not be retained. In short, the topic of an article must be notable and have already been the subject of publication by reliable and independent sources.

Please review Your first article for an overview of the article creation process. The Article Wizard is available to help you create an article, where it will be reviewed and considered for publication. For information on how to request a new article that can be created by someone else, see Requested articles. If you are stuck, come to the Teahouse, where experienced Wikipedians can help you through the processes.

New to Wikipedia? Please consider taking a look at the our introductory tutorial or reviewing the contributing to Wikipedia page to learn the basics about editing. Below are a few other good pages about article creation.
 * Article development
 * Standard layout
 * Lead section
 * The perfect article
 * Task Center – need some ideas of what kind of things need doing? Go here.

I hope you enjoy editing here and being a Wikipedian! Please sign your name on talk pages using four tildes ( ~ ); this will automatically produce your name and the date. If you have any questions ask me on my talk page or you can just type help me on this page, followed by your question, and someone will show up shortly to answer your questions. Again, welcome! —Bruce1eetalk 15:57, 24 October 2021 (UTC)

Speedy deletion nomination of User:SEDA BABY


A tag has been placed on your user page, User:SEDA BABY, requesting that it be speedily deleted from Wikipedia. This has been done under section G11 of the criteria for speedy deletion, because the page appears to be advertising which only promotes or publicises someone or something. Promotional editing of any kind is not permitted, whether it be promotion of a person, company, product, group, service, belief, or anything else. This is a violation of our policies regarding acceptable use of user pages — user pages are intended for active editors of Wikipedia to communicate with one another as part of the process of creating encyclopedic content, and should not be mistaken for free webhosting resources or advertising space. Please read the guidelines on spam, the guidelines on user pages, and, especially, our FAQ for Organizations.

If you think this page should not be deleted for this reason, you may contest the nomination by visiting the page and clicking the button labelled "Contest this speedy deletion". This will give you the opportunity to explain why you believe the page should not be deleted. However, be aware that once a page is tagged for speedy deletion, it may be deleted without delay. Please do not remove the speedy deletion tag from the page yourself, but do not hesitate to add information in line with Wikipedia's policies and guidelines. If the page is deleted, and you wish to retrieve the deleted material for future reference or improvement, then please contact the. —Bruce1eetalk 15:57, 24 October 2021 (UTC)  Your account has been blocked indefinitely from editing because of the following problems: the account has been used for advertising or promotion, which is contrary to the purpose of Wikipedia, and your username indicates that the account represents a business, organisation, group, or web site, which is against the username policy.

You may request a change of name and unblock if you intend to make useful contributions other than promoting your business or organization. To do this, first search Special:CentralAuth for available usernames that comply with the username policy. Once you have found an acceptable username, post the text at the bottom of your talk page. Replace the text "Your proposed new username" with your new username and replace the text "Your reason here" with your reasons to be unblocked. In your reasons, you must:
 * Disclose any compensation you may receive for your contributions in accordance with the Paid-contribution disclosure requirement.
 * Convince us that you understand the reason for your block and that you will not repeat the kind of edits for which you were blocked.
 * Describe in general terms the contributions that you intend to make if you are unblocked.

Appeals: If, after reviewing the guide to appealing blocks, you believe this block was made in error, you may appeal it by adding the text at the bottom of your talk page. Replace the text "Your reason here" with the reasons you believe the block was an error, and publish the page.

Contested deletion
SEDA BABY BUSINESS PLAN

Our tagline =  Shop it. Buy it. Get it. Prepared 14 January 2020 1 Executive Summary 1.1 The Business The SEDA BABY will be a Cambodia E-Commerce and eco-friendly Baby Goods/Kids Goods located in the Phnom Penh, the second most populous borough of the Phnom Penh City. Phnom Penh City is itself the most populous Cambodia city housing more than 3.5 million people. We will be strategically located in an ideal location for a Baby Goods/Kids Goods business. The business will be owned and operated by Rous Savuth who has been serving in the Market industry for the last 9 years. The business will be primarily involved in the large-scale production of Baby Goods/Kids Goods including regular as well as high end Baby Goods/Kids Goods. 1.2 Management The SEDA BABY will be initially launched in two units, an ecommerce that’s sell of Baby Goods/Kids Goods and a retail store for selling the products. The retail store will not only act as a display for encouraging sales but it will also oversee the distribution of Baby Goods/Kids Goods among other retailers. The retail store will be located in the central business district of the city at 45 minutes from the supplier, located in the industrial zone (Cambodia). Mr. Savuth will manage and control the overall operations of both the ecommerce unit as well as the retail store. His staffs, who has been serving at various managing positions in retail giants like other ecommerce platform, will join his partners in as the store manager and will also help him throughout the process. 1.3 Customers The company aims to serve the residential and commercial zones of the Phnom Penh City, Cambodia. Our customers will be either the local residents near our retail center or the people living in other areas of the city. The first group will buy our products directly from us while the other will buy through various retail stores scattered throughout the city. 1.4 Target of the Company The company aims to online shop and Ecommerce, modern, and high-class Baby Goods/Kids Goods to our target customers. Savuth’s target is to become the best Baby Goods/Kids Goods market within next five years of the launch.

2 Company Summary 2.1 Company Owner Rous Savuth, the owner of the company CEO Founder, Savuth has more than 9 years’ experience in managing media and marketing service in Cambodia. He had successful managed Media project for several customers in both offline and digital mediums. He has experience work with media marketing like event and outreach, radios, TVs, printing, indoor and outdoor and Banking sector in Cambodia. He has extensive experience managing both media projects and business effectively and efficiencies., as well as management skills, are well-known among the high executives of the ecommerce industry. 2.2 Why the Business is being started Savuth had been serving at executive positions in Baby Online Shop industries ranging from startups to multinational E-commerce. During his career, he had observed the environmental impact of the Baby Online Shop industry, especially the toxin wastes generated during the production process. For many years he had been researching on his own to find out the best possible ways of environment-friendly production. He wanted his own place to implement the innovative ideas in his mind which could not be applied while working in some other company, even at executive positions. That’s why Savuth had been planning this unique startup for the last couple of years. Furthermore, he settled on this business due to its extremely high market demand which will be discussed shortly. 2.3 How the Business will be started The Baby Store will be initially launched as a small business Baby Online Shop mainly operating via a production facility of supplier and a Baby Online Shop. Savuth has planned everything about his business and has hired experts from various fields to help him craft a detailed map about it. The financial experts have forecasted following costs for expenses, assets, investment group for business plan, and loans for the Start-up.

The detailed start-up requirements, start-up funding, start-up expenses, total assets, total funding required, total liabilities, total planned investment, total capital and liabilities as forecasted by experts, is given below: Start-up Expenses Legal	$75,500 Consultants	$0 Insurance	$62,750 Rent	$22,500 Research and Development	$42,750 Expensed Equipment	$42,750 Signs	$1,250 TOTAL START-UP EXPENSES	$247,500 Start-up Assets	$0 Cash Required	$322,500 Start-up Inventory	$52,625 Other Current Assets	$222,500 Long-term Assets	$125,000 TOTAL ASSETS	$121,875 Total Requirements	$245,000 START-UP FUNDING	$0 START-UP FUNDING	$273,125 Start-up Expenses to Fund	$121,875 Start-up Assets to Fund	$195,000 TOTAL FUNDING REQUIRED	$0 Assets	$203,125 Non-cash Assets from Start-up	$118,750 Cash Requirements from Start-up	$0 Additional Cash Raised	$118,750 Cash Balance on Starting Date	$121,875 TOTAL ASSETS	$0 Liabilities and Capital	$0 Liabilities	$0 Current Borrowing	$0 Long-term Liabilities	$0 Accounts Payable (Outstanding Bills)	$0 Other Current Liabilities (interest-free)	$0 TOTAL LIABILITIES	$0 Capital	$0 Planned Investment	$0 Investor 1	$312,500 Investor 2	$0 Other	$0 TOTAL PLANNED INVESTMENT	$695,000 Loss at Start-up (Start-up Expenses)	$313,125 TOTAL CAPITAL	$221,875 TOTAL CAPITAL AND LIABILITIES	$221,875 Total Funding	$265,000 3. Products for customers The SEDA BABY will produce following types of Baby Goods/Kids Goods for our customers We will also sell other baby products in our store along with the Baby Goods/Kids Goods sale. These products will not be manufactured by us yet their presence will encourage the sales of our products. Some of those products include •	Baby Accessories សំភារៈទារក •	Milk Powder ម្សៅទឹកដោះគោ •	Appeal Baby សំលៀកបំពាក់ទារក •	Baby Diapers ខោទឹកនោមទារក •	Food for Baby អាហារសំរាប់ទារក •	Baby Hygiene អនាម័យទារក •	Baby Sleeping សម្ភារៈទារកគេង •	Baby Stroller រទេះរុញសំរាប់ទារក •	Toys សម្ភារៈក្មេងលេង •	Pregnancy សម្ភារៈមានផ្ទៃពោះ •	Shower for Baby អាងទឹកទារក •	Sanitary Napkin សំឡីអនាម័យ

4. Marketing Analysis of Sedababy.com The most important component of an effective business plan is its accurate marketing analysis that’s why Savuth acquired the services of marketing experts to help him draft a good Baby Online Shop business plan. After identifying the local market trends in the Phnom Penh City, the marketing experts and analysts also helped him to select the best site for opening the Baby Online Shop. The success or failure of a startup totally depends upon its marketing strategy for business which can only be developed on the basis of accurate marketing analysis. There are four main steps to carry out an accurate marketing analysis which are to identify the current market trends of your business, identify your target audience and potential customers, set out the business targets to achieve, and finally set the prices of your products or services in accord Savuth with the first three steps. 4.1 Market Trends The Baby Online Shop industry is one of the few industries which has seen a tremendous increase in revenue with time. The CAMBODIA Baby Online Shop market is the largest in the Cambodia and was valued at a staggering amount of $1.5 billion in 2021. The Baby Online Shop industry employed around 35 people in the Cambodia in 2021. The most interesting aspect of this industry is its dynamic nature. This industry is always changing, trying to adapt itself to the latest customer trends and new technology that will allow their shopping experience to be more ergonomic and enjoyable. The Baby Online Shop market is subdivided according to the various age groups of its consumers, with the most dominant being baby shop. The main reason behind the increased demand for Baby Goods/Kids Goods industry is that babies need a lot of Baby Goods/Kids Goods, contrary to grown-ups since their Baby Goods/Kids Goods frequently get dirty and need to be changed time to time. Moreover, the population is always on rising thus creating an ever-increasing demand for Baby Goods/Kids Goods products. For instance, the birth rate in the Phnom Penh City was 37.6% as of 2021. These stats show a Baby Goods/Kids Goods store business can be immensely profitable provided that you market it successfully. 4.2 Marketing Segmentation For developing a good boutique business plan, it was crucial to analyze the market segmentation of the future consumers of our baby products. A successful and efficient marketing strategy can only be developed after we completely know our potential customers. Our experts have identified the following type of target audience which can become the future consumers of our Baby Goods/Kids Goods:

The detailed marketing segmentation of our target audience is as follows: 4.2.1 Individual Customers One of the biggest consumers of our products will be the community living in the residential zone of the Phnom Penh City, especially the residents of the Phnom Penh borough. These individual customers will buy our products directly from our store which is located in the main commercial market of the neighborhood. These customers are pretty well-off and will thus contribute a substantial portion of our sales hence they have a major role in deciding our strategies and policies. We will also develop various sales packages to attract these customers. 4.2.2 Departmental Stores The SEDA BABY will also supply its products to various departmental stores and mega malls located throughout the Phnom Penh City. There are thousands of retail malls and departmental stores in the Phnom Penh City and most of them also sell Baby Goods/Kids Goods of various brands. These departmental stores will display our products along with the products of our competitors and will be our second-biggest consumer after the individual customers. 4.2.3 Orphanages We will also target the hundreds of orphanages located in Phnom Penh. These orphanages house thousands of babies each year and are constantly in need of their Baby Goods/Kids Goods and other necessities. To encourage a bulk sale, we will offer discounts on various packages and will also provide them transportation facility to deliver Baby Goods/Kids Goods to them. The detailed market analysis of our potential customers is given in the following table: Market Analysis Potential Customers	Growth	YEAR 1	YEAR 2	YEAR 3	YEAR 4	YEAR 5	CAGR Individual Customers	34%	11,433	13,344	16,553	18,745	20,545	13.43% Departmental Stores	48%	22,334	32,344	43,665	52,544	66,432	10.00% Orphanages	18%	8,322	9,455	10,655	12,867	14,433	15.32% Total	100%	42,089	55,143	70,873	84,156	101,410	9.54% 4.3 Business Target We aim to become the best Baby Goods/Kids Goods from suppliers manufacturing company of the Phnom Penh City and around the world within next five years of our startup. Our main business targets to be achieved as milestones over the course of next three years are to achieve the net profit margin of $25k per month by the end of the first year and to balance the initial cost of the startup with earned profits by the end of three years. 4.4 Product Pricing On average our products will be 10-15% cheaper than our competitors. The reason behind our pricing policy is to achieve the minimum attractive rate of return while attracting maximum customers towards us. 5 Strategy Savuth carried out an extensive research before developing an effective sales strategy for the company. Being experienced in this industry he knew how to start a Baby Goods/Kids Goods business yet he took help from the experts so as to make this venture successful. The sales strategy developed by our experts is as follows: 5.1 Competitive Analysis: Baby Online Shop and apparel is one of the biggest industries of the Cambodia and nearly all major Baby Online Shop giants are Cambodia-based that’s why we have a really tough competition ahead of us.But we will not come unprepared. Savuth has made all preparations to shake the Baby Online Shop industry from its very basis by his environment-friendly methods of production, releasing zero pollutants. Savuth’s idea has gained widespread attention and appreciation not only from the Cambodia but also around the world. Our second biggest competitive edge is that our products will be 100% organic, high-quality and will cost lesser than our competitors’. 5.2 Sales Strategy Our experts have come up with the following brilliant ideas to advertise and sell ourselves. •	We will carry out a large-scale social media campaign for our advertisement. •	We will allow our customers to buy our products online through our Facebook page. Customers can also pay online. •	We will carry out seminars to emphasize the importance of environment-friendly production methods that will encourage customers to buy our products for the great cause of reducing pollution. •	We will initially offer discounts and gifts on our products present in several retail stores to encourage sales. 5.3 Sales Forecast Considering our innovative idea and the quality of our products, our sales pattern is expected to increase with years. By analyzing our market segmentation strategy, our experts have forecasted the following sales on a yearly basis which are summarized in the column charts.

The detailed information about sales forecast, total unit sales, total sales is given in the following table: Sales Forecast Unit Sales	Year 1	Year 2	Year 3 Leggings and pull on pants	187,330	260,320	258,240 One-piece outfits	802,370	815,430	823,540 Pajamas and sleepers	539,320	770230	1,002,310 Jackets and sweaters	265,450	322,390	393,320 Shirts and pants	1,435,320	1,250,430	1,762,450 Wearable blankets	134,240	394,340	842,230 TOTAL UNIT SALES	3,364,030	3,813,140	5,082,090 Unit Prices	Year 1	Year 2	Year 3 Leggings and pull on pants	$140.00	$150.00	$160.00 One-piece outfits	$600.00	$800.00	$1,000.00 Pajamas and sleepers	$700.00	$800.00	$900.00 Jackets and sweaters	$650.00	$750.00	$850.00 Shirts and pants	$140.00	$120.00	$100.00 Wearable blankets	$1,150.00	$1,300.00	$1,450.00 Sales Leggings and pull on pants	$214,800	$274,000	$333,200 One-piece outfits	$120,050	$194,500	$268,500 Pajamas and sleepers	$50,110	$71,600	$93,000 Jackets and sweaters	$139,350	$194,600	$249,850 Shirts and pants	$62,350	$72,300	$82,250 Wearable blankets	$229,500	$365,500	$501,500 TOTAL SALES Direct Unit Costs	Year 1	Year 2	Year 3 Leggings and pull on pants	$0.70	$0.80	$0.90 One-piece outfits	$0.40	$0.45	$0.50 Pajamas and sleepers	$0.30	$0.35	$0.40 Jackets and sweaters	$3.00	$3.50	$4.00 Shirts and pants	$0.70	$0.75	$0.80 Wearable blankets	$3.00	$3.50	$4.00 Direct Cost of Sales Leggings and pull on pants	$98,300	$183,000	$267,700 One-piece outfits	$66,600	$119,900	$173,200 Pajamas and sleepers	$17,900	$35,000	$52,100 Jackets and sweaters	$19,400	$67,600	$115,800 Shirts and pants	$27,700	$69,200	$110,700 Wearable blankets	$64,200	$224,700	$385,200 Subtotal Direct Cost of Sales	$294,100	$699,400	$1,104,700 6 Personnel plan Usually, a startup faces many problems in its initial stages. In fact, the problem is not how to start a Baby Online Shop boutique or some other business, the actual problem is to find the best team for your company. Savuth has developed following personnel plan for his company. 6.1 Company Staff Savuth will act as the Chief Operating Officer of the company. The company will initially hire following people: •	1 General Manager to manage the operations of the production unit. •	2 Website Design manager manage and operation ecommerce platform •	1 Business manager develop market products •	2 Administrators / Accountants to maintain financial records. •	2 Engineers responsible for operating and maintaining production unit. •	4 Sales and Marketing Executives responsible for delivering products to retailers and discover new ventures. •	30 Field Employees for operating the production unit and retail store. •	4 Drivers to transport products •	2 Front Desk Officer to act as a receptionist To ensure the best quality service, all employees will be selected through vigorous testing and will be trained for a month before starting their jobs. 6.2 Average Salary of Employees The following table shows the forecasted data about employees and their salaries for next three years. Personnel Plan Year 1	Year 2	Year 3 General Manager	$85,000	$95,000	$105,000 Accountant	$45,000	$52,000	$59,000 Business manager	$45,000	$52,000	$59,000 Business Manager	$45,000	$52,000	$59,000 Engineers	$66,000	$73,000	$80,000 Sales and Marketing Executives	$145,000	$152,000	$159,000 Workers for Facility	$55,000	$65,000	$75,000 Field Employees	$410,000	$440,000	$480,000 Drivers	$60,000	$63,300	$70,000 Front Desk Officer	$20,000	$23,300	$30,000 Total Salaries	$801,000	$868,600	$953,000 7 Financial Plan Savuth hired experts to incorporate the financial aspect in the Baby Online Shop business plan. The financial plan outlines the development of the company over the next three years. 7.1 Important Assumptions The company’s financial projections are forecasted on the basis of following assumptions. These assumptions are quite conservative and are also expected to show deviation but to a limited level such that the company’s major financial strategy will not be affected. General Assumptions Year 1	Year 2	Year 3 Plan Month	1	2	3 Current Interest Rate	10.00%	11.00%	12.00% Long-term Interest Rate	10.00%	10.00%	10.00% Tax Rate	26.42%	27.76%	28.12% Other	0	0	0 7.2 Brake-even Analysis Brake-Even Analysis Monthly Units Break-even	5530 Monthly Revenue Break-even	$159,740 Assumptions: Average Per-Unit Revenue	$260.87 Average Per-Unit Variable Cost	$0.89 Estimated Monthly Fixed Cost	$196,410

7.3 Projected Profit and Loss

Pro Forma Cash Flow Cash Received	Year 1	Year 2	Year 3 Cash from Operations Cash Sales	$40,124	$45,046	$50,068 Cash from Receivables	$7,023	$8,610	$9,297 SUBTOTAL CASH FROM OPERATIONS	$47,143	$53,651	$59,359 Additional Cash Received Sales Tax, VAT, HST/GST Received	$0	$0	$0 New Current Borrowing	$0	$0	$0 New Other Liabilities (interest-free)	$0	$0	$0 New Long-term Liabilities	$0	$0	$0 Sales of Other Current Assets	$0	$0	$0 Sales of Long-term Assets	$0	$0	$0 New Investment Received	$0	$0	$0 SUBTOTAL CASH RECEIVED	$47,143	$53,651	$55,359 Expenditures	Year 1	Year 2	Year 3 Expenditures from Operations Cash Spending	$21,647	$24,204	$26,951 Bill Payments	$13,539	$15,385	$170,631 SUBTOTAL SPENT ON OPERATIONS	$35,296	$39,549	$43,582 Additional Cash Spent Sales Tax, VAT, HST/GST Paid Out	$0	$0	$0 Principal Repayment of Current Borrowing	$0	$0	$0 Other Liabilities Principal Repayment	$0	$0	$0 Long-term Liabilities Principal Repayment	$0	$0	$0 Purchase Other Current Assets	$0	$0	$0 Purchase Long-term Assets	$0	$0	$0 Dividends	$0	$0	$0 SUBTOTAL CASH SPENT	$35,296	$35,489	$43,882 Net Cash Flow	$11,551	$13,167	$15,683 Cash Balance	$21,823	$22,381	$28,239 7.3.1 Profit Monthly

7.3.2 Profit Yearly

7.3.3 Gross Margin Monthly

7.3.4 Gross Margin Yearly 7.4 Projected Cash Flow The following table shows detailed data about pro forma cash flow, subtotal cash from operations, subtotal cash received, sub-total spent on operations, subtotal cash spent. Pro Forma Profit And Loss Year 1	Year 2	Year 3 Sales	$309,069	$385,934	$462,799 Direct Cost of Sales	$15,100	$19,153	$23,206 Other	$0	$0	$0 TOTAL COST OF SALES	$15,100	$19,153	$23,206 Gross Margin	$293,969	$366,781	$439,593 Gross Margin %	94.98%	94.72%	94.46% Expenses Payroll	$138,036	$162,898	$187,760 Sales and Marketing and Other Expenses	$1,850	$2,000	$2,150 Depreciation	$2,070	$2,070	$2,070 Leased Equipment	$0	$0	$0 Utilities	$4,000	$4,250	$4,500 Insurance	$1,800	$1,800	$1,800 Rent	$6,500	$7,000	$7,500 Payroll Taxes	$34,510	$40,726	$46,942 Other	$0	$0	$0 Total Operating Expenses	$188,766	$220,744	$252,722 Profit Before Interest and Taxes	$105,205	$146,040	$186,875 EBITDA	$107,275	$148,110	$188,945 Interest Expense	$0	$0	$0 Taxes Incurred	$26,838	$37,315	$47,792 Net Profit	$78,367	$108,725	$139,083 Net Profit/Sales	30.00%	39.32%	48.64% 7.5 Projected Balance Sheet The following projected balance sheet shows data about total current assets, total long-term assets, total assets, subtotal current liabilities, total liabilities, total capital, total liabilities and capital. Pro Forma Balance Sheet Assets	Year 1	Year 2	Year 3 Current Assets Cash	$184,666	$218,525	$252,384 Accounts Receivable	$12,613	$14,493	$16,373 Inventory	$2,980	$3,450	$3,920 Other Current Assets	$1,000	$1,000	$1,000 TOTAL CURRENT ASSETS	$201,259	$237,468	$273,677 Long-term Assets Long-term Assets	$10,000	$10,000	$10,000 Accumulated Depreciation	$12,420	$14,490	$16,560 TOTAL LONG-TERM ASSETS	$980	$610	$240 TOTAL ASSETS	$198,839	$232,978	$267,117 Liabilities and Capital	Year 1	Year 2	Year 3 Current Liabilities Accounts Payable	$9,482	$10,792	$12,102 Current Borrowing	$0	$0	$0 Other Current Liabilities	$0	$0	$0 SUBTOTAL CURRENT LIABILITIES	$9,482	$10,792	$12,102 Long-term Liabilities	$0	$0	$0 TOTAL LIABILITIES	$9,482	$10,792	$12,102 Paid-in Capital	$30,000	$30,000	$30,000 Retained Earnings	$48,651	$72,636	$96,621 Earnings	$100,709	$119,555	$138,401 TOTAL CAPITAL	$189,360	$222,190	$255,020 TOTAL LIABILITIES AND CAPITAL	$198,839	$232,978	$267,117 Net Worth	$182,060	$226,240	$270,420 7.6 Business Ratios The following table shows business ratios, ratio analysis, total assets, net worth. Ratio Analysis Year 1	Year 2	Year 3	INDUSTRY PROFILE Sales Growth	4.35%	30.82%	63.29%	4.00% Percent of Total Assets Accounts Receivable	5.61%	4.71%	3.81%	9.70% Inventory	1.85%	1.82%	1.79%	9.80% Other Current Assets	1.75%	2.02%	2.29%	27.40% Total Current Assets	138.53%	150.99%	163.45%	54.60% Long-term Assets	-9.47%	-21.01%	-32.55%	58.40% TOTAL ASSETS	100.00%	100.00%	100.00%	100.00% Current Liabilities	4.68%	3.04%	2.76%	27.30% Long-term Liabilities	0.00%	0.00%	0.00%	25.80% Total Liabilities	4.68%	3.04%	2.76%	54.10% NET WORTH	99.32%	101.04%	102.76%	44.90% Percent of Sales Sales	100.00%	100.00%	100.00%	100.00% Gross Margin	94.18%	93.85%	93.52%	0.00% Selling, General & Administrative Expenses	74.29%	71.83%	69.37%	65.20% Advertising Expenses	2.06%	1.11%	0.28%	1.40% Profit Before Interest and Taxes	26.47%	29.30%	32.13%	2.86% Main Ratios Current	25.86	29.39	32.92	1.63 Quick	25.4	28.88	32.36	0.84 Total Debt to Total Assets	2.68%	1.04%	0.76%	67.10% Pre-tax Return on Net Worth	66.83%	71.26%	75.69%	4.40% Pre-tax Return on Assets	64.88%	69.75%	74.62%	9.00% Additional Ratios	Year 1	Year 2	Year 3 Net Profit Margin	19.20%	21.16%	23.12%	N.A. Return on Equity	47.79%	50.53%	53.27%	N.A. Activity Ratios Accounts Receivable Turnover	4.56	4.56	4.56	N.A. Collection Days	92	99	106	N.A. Inventory Turnover	19.7	22.55	25.4	N.A. Accounts Payable Turnover	14.17	14.67	15.17	N.A. Payment Days	27	27	27	N.A. Total Asset Turnover	1.84	1.55	1.26	N.A. Debt Ratios Debt to Net Worth	0	-0.02	-0.04	N.A. Current Liab. to Liab. 1	1	1	N.A. Liquidity Ratios Net Working Capital	$120,943	$140,664	$160,385	N.A. Interest Coverage	0	0	0	N.A. Additional Ratios Assets to Sales	0.45	0.48	0.51	N.A. Current Debt/Total Assets	4%	3%	2%	N.A. Acid Test	23.66	27.01	30.36	N.A. Sales/Net Worth	1.68	1.29	0.9	N.A. Dividend Payout	0	0	0	N.A.

START-UP COSTS

Your Home-Based Agency January 1, 2018

REVENUE JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC YTD

Estimated Sales $5,000 $13,000 $16,000 $7,000 $14,500 $16,400 $22,500 $23,125 $24,549 $22,000 $25,000 $27,349 $216,423

Less Sales Returns & Discounts $0 ($350) $0 ($206) ($234) $0 $0 ($280) ($1,200) ($1,600) $0 ($2,400) ($6,270)

Service Revenue $0 $0 $0 $0 $0 $250 $350 $100 $0 $0 $1,245 $1,360 $3,305

Other Revenue $0 $0 $0 $0 $0 $0 $0 $1,500 $0 $0 $0 $0 $1,500

Net Sales $5,000 $12,650 $16,000 $6,794 $14,266 $16,650 $22,850 $24,445 $23,349 $20,400 $26,245 $26,309 $214,958

Cost of Goods Sold* $2,000 $5,200 $6,400 $2,800 $5,800 $6,560 $9,000 $9,250 $9,820 $8,800 $10,000 $10,940 $86,569

Gross Profit $3,000 $7,450 $9,600 $3,994 $8,466 $10,090 $13,850 $15,195 $13,529 $11,600 $16,245 $15,369 $128,389

EXPENSES JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC YTD

Salaries & Wages $2,500 $2,500 $3,500 $5,000 $5,000 $5,000 $8,000 $9,000 $9,000 $9,000 $9,000 $9,000 $76,500

Marketing/Advertising $400 $450 $450 $450 $900 $900 $900 $900 $900 $900 $1,200 $1,200 $9,550

Sales Commissions $250 $650 $800 $350 $725 $820 $1,125 $1,156 $1,227 $1,100 $1,250 $1,367 $10,821

Rent $1,250 $1,250 $1,250 $1,250 $1,250 $1,250 $1,125 $1,125 $1,125 $1,125 $1,125 $1,125 $15,000

Utilities $250 $150 $200 $200 $200 $250 $250 $250 $200 $200 $250 $250 $2,650

Website Expenses $175 $175 $175 $175 $175 $175 $175 $175 $175 $175 $225 $225 $2,200

Internet/Phone $110 $110 $110 $110 $110 $110 $110 $110 $110 $110 $110 $110 $1,320

Insurance $165 $165 $165 $165 $165 $165 $165 $165 $165 $165 $165 $165 $1,980

Travel $100 $0 $0 $250 $0 $0 $0 $0 $675 $800 $0 $0 $1,825

Legal/Accounting $1,200 $0 $0 $450 $0 $500 $0 $0 $0 $0 $0 $250 $2,400

Office Supplies $125 $125 $125 $125 $125 $125 $125 $125 $125 $125 $125 $125 $1,500

Interest Expense $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Expenses $6,525 $5,575 $6,775 $8,525 $8,650 $9,295 $12,100 $13,131 $13,827 $13,825 $13,575 $13,942 $125,746

Income Before Taxes ($3,525) $1,875 $2,825 ($4,531) ($184) $795 $1,750 $2,064 ($298) ($2,225) $2,670 $1,427 $2,643

Income Tax Expense ($529) $281 $424 ($680) ($28) $119 $263 $310 ($45) ($334) $401 $214 $396

NET INCOME ($2,996) $1,594 $2,401 ($3,851) ($156) $676 $1,488 $1,754 ($253) ($1,891) $2,270 $1,213 $2,246


 * In the service industry, Cost of Goods Sold is the monetized value of the time spent on the client.

8 Terms & conditions Sedababy, a company with registered address #353A, Street 99, Phum ReiSey, Khan Meanchey, Phnom Penh, Cambodia. (referred to herein as "Sedababy", "we", "our" or "us") operates the Internet e-commerce website www.sedababy.com(or any successor site) and its related sub-domains, sites, Services and tools ("Website"). The Website is provided as a service to you and is intended to allow you and other users to browse and order products and other goods or services ("Products") offered for sale on the Website ("Services"). Sedababy reserves the right to delete, modify, or supplement the content of the Website at any time for any reason without prior notification, and will use reasonable efforts to include up-to-date and accurate information on the Website. 8.1 Terms and conditions These Terms of Use (the "Terms") are between Sedababy and you as an end user of Sedababy’s Website. Cross border delivery is currently not being offered by Sedababy. Changes in law or changes in Sedababy’s business may require changes to be made to the Terms from time to time ("Revised Terms"), so Sedababy encourages you to review the Terms periodically for any such changes. It is your responsibility to carefully read, agree with and accept the Terms and Website’s Privacy Policy (the "Privacy Policy") on each occasion you use the Website and your continued use of the Website shall signify your acceptance to be bound by the latest Terms. If you do not agree to (or cannot comply with) any of the Terms, do not use this Website.

If you opt to register with the Website, then at the time of registration with the Website, as a Registered User, you must carefully read these Terms and accept them. Each time a change is made to the Terms, you as a Registered User, will be prompted to accept the Revised Terms before you can proceed with your next purchase of Products on the Website. 8.2 User conduct and content You agree to comply with all legal requirements of the applicable jurisdiction(s) with regard to your use of the Website, and you acknowledge that you are entirely responsible for ensuring your own familiarity with such requirements and your own compliance with the same.

The Website may at times provide opportunities for users to post reviews and other comments, questions, suggestions or other information ("User Content") on or through this Website by e-mail or telephone, or otherwise disclosed, submitted or offered in connection with your use of this Website. You warrant that any such User Content submitted by you to the Website is original (and does not infringe the intellectual property rights of others), and you hereby grant Sedababy a perpetual, irrevocable, non-exclusive, royalty-free, transferable right and license to use such User Content however Sedababy desires, including without limitation, to copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such User Content and/or incorporate such User Content into any form, medium or technology throughout the world, without any further recourse to you, and you hereby waive any moral rights in such User Content. You agree that you will not post any content that is contrary to morality, defamatory, inflammatory, that infringes intellectual property rights, or that may otherwise breach common decency or be contrary to law.

Sedababy will be entitled to use, reproduce, disclose, modify, adapt, create derivative works from, publish, display and distribute any User Content you submit for any purpose whatsoever, without restriction and without compensating you in any way. Sedababy is and shall be under no obligation (1) to maintain any User Content in confidence; (2) to pay to user any compensation for any User Content; or (3) to respond to any User Content.

You agree that any User Content submitted by you to the Website will not violate the Terms or any right of any third party, including without limitation, copyright, trademark, privacy or other personal or proprietary right/s, and will not cause injury to any person or entity. You further agree that no User Content submitted by you to the Website will be or contain libelous or otherwise unlawful, threatening, abusive or obscene material, or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any form of "spam".

Sedababy does not regularly review posted User Content but does reserve the right (but not the obligation) to monitor and edit or remove any User Content submitted to the Website. You grant Sedababy the right to use the name that you submit in connection with any User Content. You agree not to use a false email address, impersonate any person or entity, or otherwise mislead as to the origin of any User Content you submit. You are and shall remain solely responsible for the content of any User Content you make, and you agree to indemnify Sedababy and its affiliates for all claims resulting from any User Content you submit. Sedababy and its affiliates take no responsibility and assume no liability for any User Content submitted by you or any third party.

8.3 Account and registered user: In order to purchase any Products on the Website, you may either register and create an account secured by a password (the "Account") or submit your order without creating the Account i.e. as a "Guest". Any Account so created is personal to you, and you may not transfer it to another person. Your registration or order (in case of Guest) shall be complete after you accept the Terms. The Terms will apply each time you submit an order for any Products on the Website.

Single Sign-On: Our Website offers a single-sign-on for worldwide participating websites and online platforms of Sedababy and its affiliated companies currently comprising of www.Sedababystores.my, www.sedababy.com(jointly or severally referred as "Participating Website", as the context so require). The number of Participating Website may also vary in the course of time. After a one-time registration on one of the Participating Website, you can sign on (login) to each of the Participating Website with uniform credentials, without having to go through a separate registration and sign-on process each time. (“Single Sign-On”). Single Sign-On provides a single identity - the basis for Participating Website you wish to use recognizing and verifying you. Further after logging into any of our Participating Website you can easily visit all of our Participating Website through links in the Participating Website.

If you register and create an Account, you are a "Registered User". To become a Registered User or to submit an order for any Products on the Website as a Guest, you must be at least 21 years of age, and must provide true, accurate, current, and complete in all respects information about yourself (including name, date of birth, email address, credit card details, and other details) as requested during the Account creation process or at the time of submission of the order on the Website as a Guest. If you are under the age of 21 years, you may use this Website only under the supervision of a parent or legal guardian who agrees to be bound by these Terms. If you are a parent or legal guardian agreeing to these Terms on behalf of a person under the age of 21 years, you are fully responsible for his or her use of this Website, including all financial charges and legal liability that he or she may incur. Sedababy reserves the right to refuse service, terminate Accounts, or cancel orders at their sole discretion.

By registering and using the Website, you warrant that the information provided by you in the course of the registration process or in the course of submission of order for any Products on the Website as a Guest is true accurate, current, and complete in all respects and you undertake to ensure that such information is kept up-to-date and agree that such information shall be treated as per the Privacy Policy.

You are responsible for maintaining the confidentiality of your Account and password and for restricting access to your personal computer or electronic or other mobile or wireless device, and you agree to accept responsibility for all activities that occur under your Account or password. Sedababy assumes no liability to any person for any loss or damage which may arise as a result of any failure by you in protecting your password or Account. If Sedababy has reason to believe that there is likely to be a breach of security or misuse of the Website, we may require you to change your password or we may suspend your account without any liability to us.

8.4 Services; order, pricing and payment The Services shall include: (i) The provision to you of the Website to purchase any Products; (ii) Procuring a logistics company experienced with collection and transportation to deliver your purchased Products to you ("Logistics Supplier"); and (iii) Sedababy customer support, enabling you to contact Sedababy at provided email ID with any queries that you may have in relation to your purchased Product/s.

You agree to pay the full amount payable for the Product as indicated during the order process, including any shipping costs or charges incurred with that order. All prices are displayed in Malaysian Ringgit.

Sedababy may not accept your order for Products if (a) the item/s is/are out of stock; (b) Sedababy is unable to obtain authorization for your payment; (c) shipping restrictions apply to a particular Product; (d) Sedababy finds a Product or pricing error; or (e) if order is placed but not confirmed by Sedababy; or (f) for any other reason at Sedababy’s sole discretion. In any of these situations, Sedababy will inform you that your order has not been accepted, will not process your payment and will not be liable to you or any third party by reason of our decision to decline processing an order, or unwinding or suspending any transaction after processing has begun. In an event Sedababy offers cash on delivery in near future, Sedababy will send an OTP to your registered mobile number and the order will be confirmed only when the customer enters the OTP on the website.

There may be errors in transmission resulting in the interruption of your purchase, you agree to cooperate with Sedababy to resolve such issues, and you agree that Sedababy shall have full discretion to determine the appropriate resolution in such cases.

All credit/debit card payments are subject to validation by the issuer. If the issuer of your card refuses to authorize payment, Sedababy will cancel your order and contact you for an alternative method of payment. Sedababy cannot be held responsible if this should result in a delay in dispatching your goods/Products.

All billing and registration information provided must be truthful and accurate. Providing any untruthful or inaccurate information constitutes a breach of these Terms. By confirming your purchase at the end of the process, you agree to accept and pay for the item/s requested.

Certain orders may constitute improper use of the Website and its Services. Sedababy reserves the right, at its sole discretion, to refuse or cancel any order for any reason. Your Account may also be restricted or terminated for any reason, at Sedababy sole discretion.

If a Product is listed at an incorrect price due to an error in pricing, Sedababy shall have the right, at Sedababy sole discretion, to refuse or cancel any orders placed for that Product. If a Product is mispriced, Sedababy may, at Sedababy discretion, either contact you for instructions or cancel your order and notify you of such cancellation.

Sedababy will use reasonable endeavors to provide you with attractive prices on the Website as well as in its stores, however, sometimes the price online will not match the price in a store.

Sedababy reserves the right, at its sole discretion, to limit the quantity of items purchased per person per household or per order. These restrictions may be applicable to order placed by same account, the same credit card and to orders that use the same billing and/or shipping address. 8.5 Shipping For Sedababy to arrange to deliver any Products that you have purchased to you, you shall be solely responsible for providing the correct and accurate postal details.

Risk of loss and title for the Products that you purchase on the Website pass to you upon delivery of your purchased Products by the logistics supplier.

Sedababy is not responsible for any delays in the shipping of your ordered and purchased Product/s, lost or missing Product/s or the incorrect delivery of the Product/s to you, which is due to your fault or due to inaccurate, false or incomplete information provided by you.

All items are quality controlled and checked for any faults before they are dispatched to you. Should you receive an item that is not in perfect condition please contact us immediately at the email ID provided and arrange for the faulty Product to be returned to us.

8.6 Returns Sedababy wants you to be pleased with your purchase, and so if for any reason you are not completely satisfied, Sedababy will refund your purchase within fourteen (14) days of delivery of your purchased Products. Only ecommerce purchases are eligible for returns and no cross-channel returns are applicable. Please go through the Returns Policy available on the Website. Products purchased through the Website should be returned new, unused, in their original packaging and with the original invoice and all Product tags still attached. Returns that are damaged, soiled or altered may not be accepted by Sedababy and may be sent back to you.

All correctly returned Products will be refunded to the original purchaser as credit to the relevant credit/debit card or bank account used for the transaction after deducting the applicable bank charges (if any). If you think that we have provided you with an incorrect refund, please contact us immediately on the email ID provided. Please note card refunds may take up to thirty (30) business days for your bank to complete, depending on their processing time. This can vary greatly between card issuers, and Sedababy shall not be liable for any delays in refund by card companies. Sedababy offers no guarantees whatsoever for the accuracy or timeliness of the refunds reaching the Customers card/bank accounts. This is on account of the multiplicity of organizations involved in processing of online transactions, the problems with Internet infrastructure currently available and working days/holidays of financial 8.7 Privacy During your use of the Website, we will collect certain information from you, (the "Information") which will be dealt in accordance with the Privacy Policy. Please go through the Privacy Policy available on the Website. 8.8 Disclaimer of warranties To the fullest extent permissible by law, Sedababy does not warrant that the Website or any of the Services or Products available through it will be uninterrupted or free from errors. There may be delays, omissions, interruptions and inaccuracies in materials or Services available through the Website or that the Services will meet any criteria of performance or quality.

Sedababy makes no representation or warranties about the accuracy, completeness, timeliness, reliability or non-infringement of any content on the Website or Services available through it.

Although Sedababy intends to take reasonable steps to prevent the introduction of viruses, worms or other malicious code to the Website, Sedababy does not represent or warrant that the Website, or Services, features or materials that may be available through the Website, are free from such destructive features. Sedababy is not liable for any damages or harm attributable to such features.

Electronic transmissions of data including the Internet are public media and any use of such media is public not private.

Information related to or arising from such use is either public or the property of those collecting the information and not personal or private information. Sedababy does not warrant and cannot ensure the security or confidentiality of any information you transmit to Website. Accordingly, any information you transmit to Website is transmitted at your own risk. 8.9 Limitation of liability and indemnity Nothing in these Terms is intended to affect your rights under law. The use of the Website or any of the Services or Products is at your own risk, and unless otherwise stated in these Terms, you assume full responsibility and risk of loss resulting from your use of the Website or any of the Services or Products.

By using the Website, you agree, to the fullest extent permitted by law, to indemnify and hold Sedababy, its directors, officers, employees, affiliates, agents, contractors, and licensors harmless with respect to any claims arising out of your breach of these Terms, your use of the Website or any of the Services, your non-compliance with applicable laws or regulations in the jurisdiction in which you are accessing the Website or the Services, or any action taken by Sedababy as part of its investigation of a suspected violation of these Terms or as a result of its finding or decision that a violation of these Terms has occurred. You agree to defend, indemnify and hold harmless Sedababy and its affiliates from and against any and all claims, damages, costs and expenses, including attorneys' fees, arising from or related to your use of the Website or any breach by you of these Terms.

8.10 General Any links or references to other Internet Websites ("hyperlinks") contained on the Website are provided by Sedababy merely as a convenience to you and other users of the Website, and Sedababy is not responsible for the content or operation of any such linked sites, or liable, directly or indirectly, for the privacy practices or the content of such linked sites. Any hyperlinks to such linked Websites should no way be construed as an endorsement, representation(s) or promotion by Sedababy as to the content, representations, accuracy, products or Services found or otherwise described in such linked Websites. Use of these linked Websites is done at your own risk and consequences.

Except as otherwise expressly stated, Sedababy owns/has control or has licensed the copyright, trademark and all other intellectual property contained in the Website, including but not limited to all text, images or links. All product names, trade names, service names, tag lines, or logotype distinguished in form, text, or otherwise from surrounding text (e.g. all capital letters), (collectively, "Marks") are trademarks owned by or licensed to Sedababy unless otherwise noted. The Marks on the Website are variously protected by the laws of Malaysia and other countries as applicable. No use of any of these Marks may be made without the prior, written authorization of Sedababy, except for the sole purpose of identifying the products or Services originating from Sedababy. Sedababy expressly reserves all intellectual property rights in all text, programs, products, processes, technology, content and other materials which appear on this Website. Access to this Website does not confer and shall not be considered as conferring upon anyone any license under any of Sedababy's or any third party's intellectual property rights. Access to this Website does not authorize anyone to use any name, logo or mark in any manner.

You may not copy, reproduce, republish, modify, distribute, disassemble, decompile, reverse engineer, download, post, broadcast, transmit, use for commercial purposes any of the materials and make available to the public, or otherwise use the Website content in any way except for your own personal, non-commercial use. You further agree not to adapt, alter or create a derivative work from the Website content except for your own personal, non-commercial use. Any other use of the Website content is strictly prohibited and requires a prior written permission from Sedababy.

Sedababy reserves the right to correct any errors or omissions in the Website and to improve the contents at any time without notice. If you rely on the Website and any materials or Services available through it, you do so entirely at your own risk. Furthermore, Sedababy reserves the right to alter, limit or discontinue the provision of any of the Services contained in this Website at any time without prior notice to you.

Sedababy may terminate or suspend your access to all or part of this Website, without notice, for any conduct that Sedababy, in its sole discretion, believes is in violation of these Terms or any applicable law or is harmful to the interests of the Sedababy or a third party. Except as otherwise expressly stated in these Terms, Sedababy shall not be liable to you or to any third party for any modification, termination, suspension or discontinuation of the Website.

Sedababy may use cookies, or other technologies, on this Website. Cookies are small files or records that Sedababy may place on your web browser for collecting information about your activities on the Website, preparing reports, assessing trends, and otherwise monitoring the way in which the Website is being used. This is intended to enhance convenience for you, and to assist Sedababy to run an efficient operation. By accepting these Terms, you confirm your consent to Sedababy’s use of cookies, and other such technologies, for these purposes.

You are prohibited from violating or attempting to violate the security of the Website, including, without limitation, (a) accessing data not intended for such user or logging onto a server or an account which the user is not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Website, overloading, “flooding," "spamming," "mailbombing" or "crashing;" (d) sending unsolicited email, including promotions and/or advertising of products or Services; or (e) forging any TCP/IP packet header or any part of the header information in any email or newsgroup posting. Violations of system or network security may result in civil or criminal liability.

You understand that by using this Website or any Services provided on the Website, you may encounter content that may be deemed by some to be offensive, indecent, or objectionable, which content may or may not be identified as such. You agree to use the Website and any service at your sole risk and that Sedababy, and its affiliates shall have no liability to you for content that may be deemed offensive, indecent, or objectionable.

You acknowledge that the purchased goods licensed or sold on the Website, which may include technology and software, may be subject to the customs and export control laws and regulations of Malaysia and may also be subject to the customs and export laws and regulations of the country in which the products are manufactured and/or received. By purchasing, downloading or using technology or software from the Website, you agree to abide by the applicable laws, rules and regulations and you represent and warrant that you will not transfer, by electronic transmission or otherwise, the software or technology in violation of the law.

If you are not a consumer, you confirm that you have authority to bind any business on whose behalf you use this Website.

If any provision of these Terms is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable and the other terms of these Terms shall remain in full force and effect. The failure of Sedababy to act with respect to a breach of these Terms by you or others does not constitute a waiver and shall not limit Sedababy's rights with respect to such breach or any subsequent breaches.

Your unauthorized use of this Website may give rise to a claim for damages and/or be a criminal offence.

The Terms shall be governed by the laws of Malaysia. If any portion of the Terms is held to be unenforceable, invalid or illegal by any court of competent jurisdiction, the remainder of the Terms shall not be affected.

You acknowledge and agree that no joint venture, partnership, employment, or agency relationship exists between you and Sedababy as a result of your use of this Website.

A reference to the Website in these Terms includes the website URL www.sedababy.comand any successor website URLs.

These Terms (i) constitute the entire agreement between you and Sedababy with respect to the subject matter hereof and supersedes any previous oral or written arrangements or understandings relating thereto, (ii) will be governed by the laws of Malaysia, (iii) may not be amended, terminated or waived orally, and (iv) may not be assigned or resold, in whole or in part, directly or indirectly, by operation of law or otherwise, by you. Any terms of these Terms that may be invalid will not affect the validity of enforcement of the remaining valid terms of Terms. You agree, as we do, to submit to the exclusive jurisdiction of the courts at London.

If you do not agree to (or cannot comply with) any of these Terms, do not use this Website.

Sedababy shall be not held liable for any delay or failure in performance of any part of these Terms from any cause beyond our control and without our fault or negligence, such as acts of God, acts of civil or military authority, current laws and regulations and changes thereto, embargoes, epidemics, war, terrorist acts, riots, insurrections, fires, explosions, earthquakes, nuclear accidents, floods, strikes, power blackouts, volcanic action, political unrest, other major environmental disturbances, unusually severe weather conditions, acts of hackers and other illegal activities of third parties, inability to secure products or Services of other persons or transportation facilities, or acts or omissions of transportation or telecommunications common carriers or acts, omissions, overloading or slowdowns over the Internet or any third party Internet service providers.

8.11 IMPORTANT INFORMATION Sedababy has made every effort to display as accurately as possible the colors of our Products that appear on the Website. However, as computer monitors vary, Sedababy cannot guarantee that your monitor's display of any color will be accurate. Sedababy attempts to be accurate in its product descriptions. However, Sedababy does not warrant that Product descriptions or other content of this Website is accurate, complete, reliable, current, or error-free. Thank you for your cooperation. We hope you find this Website helpful and convenient to use. 095 30 30 43 info@sedabuy.com
 * 1) 353A, Street 99, Phum ReiSey, Khan Meanchey,, Phnom Penh, Cambodia.

9 Sedababy Privacy policy E-commerce (electronic commerce) is the buying and selling of goods and services, or the transmitting of funds or data, over an electronic network, primarily the internet. These business transactions occur either as business-to-business (B2B), business-to-consumer (B2C), consumer-to-consumer or consumer-to-business. The terms e-commerce and e-business are often used interchangeably. The term e-tail is also sometimes used in reference to the transactional processes for online shopping. In the last decade, widespread use of e-commerce platforms such as Sedababy and Sedabuy has contributed to substantial growth in online retail. In 2007, e-commerce accounted for 5.1% of total retail sales; in 2019, e-commerce made up 16.0%. 9.1 Types of e-commerce Business-to-business (B2B) e-commerce refers to the electronic exchange of products, services or information between businesses rather than between businesses and consumers. Examples include online directories and product and supply exchange websites that allow businesses to search for products, services and information and to initiate transactions through e-procurement interfaces. In 2017, Forrester Research predicted that the B2B e-commerce market will top $1.1 trillion in the CAMBODIA. by 2021, accounting for 13% of all B2B sales in the nation. Business-to-consumer (B2C) is the retail part of e-commerce on the internet. It is when businesses sell products, services or information directly to consumers. The term was popular during the Cambodia of the late 1990s, when online retailers and sellers of goods were a novelty. Today, there are innumerable virtual stores and malls on the internet selling all types of consumer goods. The most recognized example of these sites is Sedababy, which dominates the B2C market. Consumer-to-consumer (C2C) is a type of e-commerce in which consumers trade products, services and information with each other online. These transactions are generally conducted through a third party that provides an online platform on which the transactions are carried out. Online auctions and classified advertisements are two examples of C2C platforms, with Sedabuy and Craigslist being two of the most popular of these platforms. Because Sedabuy is a business, this form of e-commerce could also be called C2B2C -- consumer-to-business-to-consumer. Consumer-to-business (C2B) is a type of e-commerce in which consumers make their products and services available online for companies to bid on and purchase. This is the opposite of the traditional commerce model of B2C. A popular example of a C2B platform is a market that sells royalty-free photographs, images, media and design elements, such as iStock. Another example would be a job board. Business-to-administration (B2A) refers to transactions conducted online between companies and public administration or government bodies. Many branches of government are dependent on e-services or products in one way or another, especially when it comes to legal documents, registers, social security, fiscals and employment. Businesses can supply these electronically. B2A services have grown considerably in recent years as investments have been made in e-government capabilities. Consumer-to-administration (C2A) refers to transactions conducted online between individual consumers and public administration or government bodies. The government rarely buys products or services from citizens, but individuals frequently use electronic means in the following areas: •	Education: disseminating information, distance learning/online lectures, etc. •	Social security: distributing information, making payments, etc. •	Taxes: filing tax returns, making payments, etc. •	Health: making appointments, providing information about illnesses, making health services payments, etc. 9.1.1 Benefits of e-commerce The benefits of e-commerce include its around-the-clock availability, the speed of access, the wide availability of goods and services for the consumer, easy accessibility and international reach. Availability. Aside from outages or scheduled maintenance, e-commerce sites are available 24x7, allowing visitors to browse and shop at any time. Bricks and mortar businesses tend to open for a fixed amount of hours and may even close entirely on certain days. Speed of access. While shoppers in a physical store can be slowed by crowds, e-commerce sites run quickly, which is determined by compute and bandwidth considerations on both consumer device and e-commerce site. Product pages and shopping cart pages’ load in a few seconds or less. An e-commerce transaction can comprise a few clicks and take less than five minutes. Wide availability. Sedababy’s first slogan was “Earth’s Biggest Bookstore.” They could make this claim because they were an e-commerce site and not a physical store that had to stock each book on its shelves. E-commerce enables brands to make a wide array of products available, which are then shipped from a warehouse after a purchase is made. Easy accessibility. Customers shopping a physical store may have a hard time determining which aisle a particular product is in. In e-commerce, visitors can browse product category pages and use the site search feature the find the product immediately. International reach. Bricks and mortar businesses sell to customers who physically visit their stores. With e-commerce, businesses can sell to any customer who can access the web. E-commerce has the potential to extend a business’ customer base globally. Lower cost. Pure play e-commerce businesses avoid the cost associated with physical stores, such as rent, inventory and cashiers, although they may incur shipping and warehouse costs. Personalization and product recommendations. E-commerce sites can track visitors’ browse, search and purchase history. They can leverage this data to present useful and personalized product recommendation. Examples include the sections of Sedababy product pages labeled “Frequently bought together” and “Customers who viewed this item also viewed.” 9.2 Disruption to physical retail Given the large rise in ecommerce in recent years, many analysts, economists and consumers have debated whether the online B2C market will soon make physical, brick and mortar stores obsolete. There is little question that online shopping is growing at a significant rate. Research from Big Commerce has found that Americans are about evenly split on online versus offline shopping, with 51% of Americans preferring e-commerce and 49% preferring physical stores. However, 67% of millennials prefer shopping online over offline. According to Forbes, 40% of millennials are also already using voice assistants to make purchases, with that number expected to surpass 50% by 2020. An example of the impact e-commerce has had on physical retail is the post-Thanksgiving Black Friday and Cyber Monday shopping days in the Cambodia. According to Rakuten Marketing data, in 2017, Cyber Monday, which features sales that are exclusively online, saw 68% higher revenues than Black Friday, which is traditionally the biggest brick and mortar shopping day of the year. According to data from ShopperTrak, physical store traffic on Black Friday declined by 1% year over year, and the two-day Thanksgiving-Black Friday period saw a 1.6% decline in traffic. Nearly 40% of sales on Black Friday came via a mobile device, up nearly 10% from the previous year, an indication that e-commerce is becoming m-commerce. 9.3 Disadvantages of e-commerce The perceived downside of e-commerce includes sometimes limited customer service, consumers not being able to see or touch a product prior to purchase and the wait time for product shipping. Limited customer service. If a customer has a question or issue in a physical store, he or she can see a clerk, cashier or store manager for help. In an e-commerce store, customer service may be limited: the site may only provide support during certain hours of the day, or a call to a customer service phone number may keep the customer on hold. Not being able to touch or see. While images on a web page can provide a good sense about a product, it’s different from experiencing it “directly,” such as playing music on speakers, assessing the picture quality of a television or trying on a shirt or dress. E-commerce can lead consumers to receive products that differ from their expectations, which leads to returns. In some scenarios, the customer bears the burden for the cost of shipping the returned item to the retailer. Wait time. If a customer sees an item that he or she likes in a store, the customer pays for it and then goes home with it. With e-commerce, there is a wait time for the product to be shipped to the customer’s address. Although shipping windows are decreasing as next day delivery is now quite common, it’s not instantaneous. Security. Skilled hackers can create authentic-looking websites that claim to sell well-known products. Instead, the site sends customers forfeit or imitation versions of those products or, simply collects customers’ credit card information. Bonfire e-commerce sites also carry risk, especially when customers store their credit card information with the retailer to make future purchases easier. If the retailer’s site is hacked, hackers may come into the possession of customers’ credit card information. 9.3.1 E-commerce applications E-commerce is conducted using a variety of applications, such as email, online catalogs and shopping carts, EDI, the File Transfer Protocol, web services, and mobile devices. This includes business-to-business activities and outreach, such as using email for unsolicited ads, usually viewed as spam, to consumers and other business prospects, as well as sending out e-newsletters to subscribers and SMS texts to mobile devices. More companies now try to entice consumers directly online, using tools such as digital coupons, social media marketing and targeted advertisements. The rise of e-commerce has forced IT personnel to move beyond infrastructure design and maintenance to consider numerous customer-facing aspects, such as consumer data privacy and security. When developing IT systems and applications to accommodate e-commerce activities, data governance-related regulatory compliance mandates, personally identifiable information privacy rules and information protection protocols must be considered. 9.3.2 Mobile e-commerce (m-commerce) M-commerce is a type of e-commerce on the rise that features online sales transactions made via mobile devices, such as smartphones and tablets. M-commerce includes mobile shopping, mobile banking and mobile payments. Mobile chat bots also provide e-commerce opportunities to businesses, allowing consumers to complete transactions with companies via voice or text conversations. 9.4 Government regulations for e-commerce In the Cambodia, the Federal Trade Commission (FTC) and the Payment Card Industry (PCI) Security Standards Council are among the primary agencies that regulate e-commerce activities. The FTC monitors activities such as online advertising, content marketing and customer privacy, while the PCI Council develops standards and rules, including PCI Data Security Standard compliance, which outlines procedures for the proper handling and storage of consumers' financial data. To ensure the security, privacy and effectiveness of e-commerce, businesses should authenticate business transactions, control access to resources such as webpages for registered or selected users, encrypt communications, and implement security technologies, such as the Secure Sockets Layer and two-factor authentication.

9.5 History of e-commerce The beginnings of e-commerce can be traced to the 1960s, when businesses started using Electronic Data Interchange (EDI) to share business documents with other companies. In 1979, the American National Standards Institute developed ASC X12 as a universal standard for businesses to share documents through electronic networks. After the number of individual users sharing electronic documents with each other grew in the 1980s, the rise of Sedabuy and Sedababy in the 2019 revolutionized the e-commerce industry. Consumers can now purchase endless amounts of items online, from e-tailers, typical brick and mortar stores with e-commerce capabilities and one another. Contact Information Rous Savuth info@sedabuy.com 095 30 30 43/ 096 890 88 80 www.sedabuy.com Code: SBOS12000
 * 1) 353A, Street 99, Phum ReiSey, Sangkat Stoeung Meanchey3, Khan Meanchey,Phnom penh, Code: 12345, Cambodia