Division 16 - August 2011 Newsletter

Page 1

7+( 7,*(5 7,0(6

$8*867 _ 1(:6/(77(5



-DH0LQ .LP


LQWURGXFWLRQ )URP \RXU 'LYLVLRQDO 6HFUHWDU\ +H\ .H\ &OXEEHUV ,·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·W ZDLW WR PHHW \RX DOO DW RXU '&0V %HLQJ DEOH WR H[SHULHQFH NH\ FOXE DV D SDUW RI WKH GLYLVLRQDO ERDUG ODVW \HDU ZDV DPD]LQJ %HFDXVH RI WKLV H[SHULHQFH , NQRZ WKDW , DP FDSDEOH RI KROGLQJ WKLV SRVLWLRQ DQG , NQRZ ZKDW WR H[SHFW $OWKRXJK EHLQJ RQ GLYLVLRQDO ERDUG LV WLPH FRQVXPLQJ WR PH LW·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·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

6RQGUD 3DUN

7+( 7,*(5 7,0(6

GLYLVLRQ QHZVOHWWHU


)URP \RXU )XQGUDLVLQJ &KDLU +H\ .H\ &OXEEHUV ,·P \RXU QHZ 'LYLVLRQ ·V IXQGUDLVLQJ FKDLU DQG DP VR H[FLWHG WR EH D SDUW RI 'LYLVLRQDO %RDUG WKLV \HDU ,·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

6KDURQ <RXQ

)URP \RXU ($ +H\ .H\ &OXEEHUV ,·P \RXU QHZ 'LYLVLRQ ·V IXQGUDLVLQJ FKDLU DQG DP VR H[FLWHG WR EH D SDUW RI 'LYLVLRQDO %RDUG WKLV \HDU ,·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·W JRLQJ 'RQ W \RX KDWH WKDW" , DP GHWHUPLQHG WR IL[ WKLV SUREOHP EHFDXVH WKLV \HDU HYHU\RQH LQ ' ZLOO EH \RXU EHVW EXG \RXU SHUVRQDO SDO QR PDWWHU ZKDW VFKRRO RU ZKDW SRVLWLRQ \RX DUH LQ ,I \RX KDYH DQ\ TXHVWLRQV RU FRPPHQWV RU MXVW ZDQW WR VD\ KL WKHQ SOHDVH GR QRW KHVLWDWH WR GR VR

%HQQ\ .LP

7+( 7,*(5 7,0(6

GLYLVLRQ QHZVOHWWHU


',9,6,21$/ %$148(7 ZKR ' PHPEHUV DOO GUHVVHG XS ZKDW DQQXDO GLYLVLRQDO EDQTXHW ZKHQ -XO\ UG IURP 30 30 ZKHUH 6DQ )HUQDQGR·V (ON /RGJH ZK\ WR MRLQ *DEE\ /HH DQG -DH0LQ .LP IRU DQ DPD]LQJ QLJKW RI 6WRQHILUH FDWHUHG GLQQHU DZDUGV VSHHFKHV WKDW ZLOO PDNH \RX FU\ D ULYHU WDOHQW DFWV DQG GDQFLQJ FU\ D ULYH

-8/< 27&

RIILFHU WUDLQLQJ FRQIHUHQFH

ZKR RIILFHUV IURP DOO RYHU 'LYLVLRQ 6L[WHHQ ZKDW WKH -XO\ 2IILFHU 7UDLQLQJ &RQIHUHQFH ZKHQ -XO\ IURP DP SP ZKHUH %XHQD 9LVWD /LEUDU\ ZK\ WR EHWWHU XQGHUVWDQG WKH GXWLHV WKDW RXU SRVLWLRQV FDOO IRU .H\ &OXE RIILFHUV JRW WRJHWKHU WR NLFN RII WKH QHZ \HDU ZLWK ZRUNVKRSV IRU VHFUHWDULHV SUHVLGHQWV JUDGH UHSUHVHQWDWLYHV DQG PRUH -DH0LQ ·V /7* OHG HYHU\RQH LQ DFWLYLWLHV DORQJ ZLWK WKH KHOS RI ($ %HQQ\ .LP DQG 6RQGUD 3DUN :LWK PXOWLSOH SUHVHQWDWLRQV DQG SRZHUSRLQWV .H\ &OXEEHUV ZHUH DEOH WR OHDUQ ZKDW WKHLU GXWLHV FDOOHG WKHP WR GR DQG KDYH WKHLU TXHVWLRQV DQVZHUHG $OWKRXJK OXQFK ZDV GHOD\HG HYHU\ RQH HQMR\HG WKH WLPH WR PLQJOH 7KDQNV WR DOO UHSUHVHQWDWLYHV RQH HQMR\HG WKH WLPH WR PLQJOH 7KDQNV WR DOO ZKR FDPH /HW·V PDNH WKLV \HDU JUHDW $QRWKHU WKDQNV WR %XHQD 9LVWD /LEUDU\ IRU RSHQLQJ XS WKHLU PHHWLQJ URRP WR XV

7+( 7,*(5 7,0(6

GLYLVLRQ QHZVOHWWHU


+HUH LV D FRPSLODWLRQ RI VHYHUDO RQJRLQJ VHUYLFH HYHQWV LQ RU QHDU %XUEDQN DQG 6DQWD &ODULWD VLQFH LW VHHPV WKDW RXU GLYLVLRQ LV KHDYLO\ GRPLQDQW EHWZHHQ WKHVH WZR DUHDV 7KH\ IRFXV RQ WKH 'LVWULFW 3URMHFW 6KLQH DQ RUJDQL]DWLRQ WKDW DLGV LQGLYLGXDOV ZLWK VSHFLDO QHHGV ZKHWKHU LW EH SK\VLFDOO\ PHQWDOO\ DFDGHPLFDOO\ 0DNH VXUH WR JHW LQYROYHG EHFDXVH VHUYLFH QHYHU VWRSV

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

/LWHUDWXUH /HDIOHWV IRU 1$0, 6)9 2JDQL]DWLRQ 1$0, :$/.6 1$0, 6)9 $GGUHVV 6KHUPDQ &LUFOH 9DQ 1X\V &$ 'HVFULSWLRQ 1$0, 6)9 LV DQ DOO YROXQWHHU RUJDQL]DWLRQ GHGLFDWHG WR LPSURYLQJ WKH OLYHV RI IDPL OLHV DQG LQGLYLGXDOV OLYLQJ ZLWK VHYHUH PHQWDO LOOQHVV :H QHHG D YROXQWHHU WR KHOS XV SUHSDUH LQ IRUPDWLRQ SDFNHWG ZLWK 1$0, OLWHUDWXUH WR EH PDLOHG RQ UHTXHVW DQG WR PDQDJH DQG PDLQ WDLQ RXU VXSSOLHV RI OLWHUDWXUH OHDIOHWV DQG LQIRUPDWLRQ OLEUDU\ IRU RXU DIILOLDWH &RQWDFW -XOLD 5RELQVRQ 6KLPL]X DW

7+( 7,*(5 7,0(6


$ELOLW\ )LUVW 2UJDQL]DWLRQ $ELOLW\ )LUVW $GGUHVV 1RUWK *DJH $YHQXH /RV $QJHOHV &$ 'HVFULSWLRQ $W $ELOLW\)LUVW RXU YLVLRQ LV RI D VRFLHW\ WKDW YDOXHV HDFK LQGLYLGXDO DQG SURYLGHV WKH RSSRUWXQLW\ IRU DOO SHRSOH WR OHDG IXOO DQG SURGXFWLYH OLYHV )RU PRUH WKDQ \HDUV ZH KDYH EHHQ ORRNLQJ EH\RQG GLVDELOLWLHV IRFXVLQJ RQ FDSDELOLWLHV DQG H[SDQGLQJ SRVVLELOLWLHV :HEVLWH IRU DOO LQIR KWWS ZZZ DELOLW\ILUVW RUJ SURJUDPV YROXQWHHU DVS[

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

9ROXQWHHU DW 5HKDE 1XUVLQJ )DFLOLW\ 2UJDQL]DWLRQ :LQGVRU +HDOWKFDUH 0DQDJHPHQW $GGUHVV 9LFWRU\ %OYG 1RUWK +ROO\ZRRG &$ 0LQLPXP $JH 'HVFULSWLRQ 3OHDVH FRPH KHOS XV PDNH D ZRUOG RI GLIIHUHQFH WR RXU SDWLHQWV 7KH\ FRXOG XVH VRPH JRRG 7/& /RRNLQJ IRU YROXQWHHUV WR KHOS RQ D GDLO\ ZHHNO\ PRQWKO\ EDVLV WDONLQJ UHDG LQJ WR ZDONLQJ ZLWK VLQJLQJ FRRNLQJ NQLWWLQJ ZLWK RXU SDWLHQWV &RQWDFW 0LVW\ 6FRWW DW

7+( 7,*(5 7,0(6






-DHPLQ .LP

%HQQ\ .LP

/LHXWHQDQW *RYHUQRU

([HFXWLYH $VVLVWDQW

G OWJ FQKNF#JPDLO FRP

G H[HFXWLYH DVVLVWDQW # JPDLO FRP

6RQGUD 3DUN

6KDURQ /HH

([HFXWLYH $VVLVWDQW

1HZVOHWWHU 7HFK (GLWRU

G VHFUHWDU\#JPDLO FRP

G WHFK HGLWRU#JPDLO FRP

6KDURQ <RXQ )XQGUDLVLQJ &KDLU G IXQGUDLVLQJ FKDLU#JPDLO FRP

7+( 7,*(5 7,0(6


7+( 7,*(5 7,0(6


Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.