We are seeking business owners and professionals in specific business categories, not already represented in our group, to whom we will refer customers as we now do for fellow group members. Word of mouth is the most cost effective form of advertising. Recognizing that, we came together five years ago as a dedicated group of business owners and professionals, cooperating without competition within the group, working together to accelerate the growth of our businesses. We operate on the principle of "Givers Gain", using a proven structured and supportive system of giving and receiving pre-qualified business referrals, not mere "leads". Your prospects will actually be looking forward to hearing from you! Our specific group has exchanged between its members over a million dollars' worth of actual closed business (dollars actually paid by customers, not just estimates or invoices). We are seeking business owners and professionals in specific categories, not already represented in our group, to whom we will give our referrals. For more information and to see if your business category is still "open", please go to http://www.bnisfbay.com/chapterdetails.html.... Be sure to come to our next breakfast business exchange meeting and see for yourself as we exchange new business referrals, and members thank each other for referral-based income received in the past week!