San Jose City College Times, Vol. 71, Issue 4, May 3, 2011

Page 1

+(5*05. -69 ( ),5,-0;! ;6.,;/,9 >, +(5*, 7(.,

7,0HV &,7< &2//(*(

4(@

=63 56

&HOHEUDWLQJ WKH GD\ RI WKH \RXQJ 6-&& KRVWV .LQGHUFDPLQDWD SURYLGLQJ NLGV ZLWK DQ HDUO\ FROOHJH H[SHUHQLFH %< /((7$ 526( %$//(67(5 7,0(6 67$))

0RUH WKDQ NLQGHUJDUWQHUV IURP $OXP 5RFN 6FKRRO 'LVWULFW YLVLWHG 6DQ -RVH &LW\ &ROOHJH IRU WKH VL[WK DQQXDO .LQGHUFDPLQDWD D FKLOGUHQ·V FDUHHU GD\ RQ $SULO WR FHOHEUDWH 7KH 'D\ RI WKH <RXQJ &KLOG -HQQLIHU 1HLO 'LUHFWRU RI 6WXGHQW /LIH VDLG WKDW .LQGHUFDPLQDWD KDV RSHQHG WKH H\HV RI PDQ\ LQGLYLGXDOV DERXW ZKDW 6-&& DQG (YHUJUHHQ 9DOOH\ &ROOHJH DUH DOO DERXW ´, WKLQN WKH EHQHÀWV RYHU WKH SDVW \HDUV VKRZV D FROOHJH FRPLQJ WRJHWKHU WR SURYLGH DQ RSSRUWXQLW\ IRU WKH NLQGHUJDUWQHUV DQG WKHLU SDUHQWV WR VHH ZKDW FRPPXQLW\ FROOHJH OLIH LV OLNH µ 1HLO VDLG 1HLO VDLG WKDW SHRSOH KDYH TXHVWLRQHG ZK\ WKH IRFXV RI WKH FDUHHU GD\ KDV EHHQ RQ \RXQJ FKLOGUHQ UDWKHU WKDQ KLJK VFKRROHUV IRU D IHZ \HDUV ´:H FDQ QHYHU VWDUW WRR HDUO\ ZLWK WKH IRFXV RI FROOHJH µ 1HLO VDLG ´7KH SDUWQHUVKLS ZLWK $OXP 5RFN 6FKRRO 'LVWULFW VWDUWHG DERXW VL[ \HDUV DJR DQG , WKLQN HYHU\RQH DJUHHV WKDW LW ZRXOG EH QLFH WR KDYH WKLV RSSRUWXQLW\ IRU DOO VWXGHQWV HOHPHQWDU\ PLGGOH DQG KLJK VFKRROHUV µ ´6-&& KDV PDLQO\ ZRUNHG ZLWKLQ WKH FROOHJH WR WU\ WR JHW DOO WKH SURJUDPV DQG GHSDUWPHQWV RQ ERDUG ZLWK VHWWLQJ

67(3+$1,( 60,7+ 7,0(6 67$))

/7 5XEHQ &KDYH] WDONV WR NLGV RQ $SULO DERXW WKH ÀHOG RI ODZ HQ IRUFHPHQW XS ERRWKV ,W LV D ORW RI 6-&&·V WLPH EXW KDUGO\ DQ\ PRQH\ $OXP 5RFN 6FKRRO 'LVWULFW LV IXQGLQJ SHUFHQW RI WKLV \HDU·V HYHQW µ 7KH FKLOGUHQ ZHDULQJ FDSV WKDW UHDG ´,·P JRLQJ WR FROOHJH µ PRYHG LQ JURXSV WR GLIIHUHQW VWDWLRQV LQFOXGLQJ FRVPHWRORJ\ PDWK UHDGLQJ VSRUWV DQG WKH SROLFH DQG ÀUH GHSDUWPHQWV

/W 5XEHQ &KDYH] RI WKH 6-&& SROLFH VDLG KH FDPH WR SURYLGH WKH FKLOGUHQ ZLWK WKH RSSRUWXQLW\ WR EH H[SRVHG WR GLIIHUHQW FDUHHUV ´7KH\ QHYHU JHW D FKDQFH WR WDON WR WKH SROLFH RU VLW LQ D SROLFH FDU µ &KDYH] VDLG ´7KH NLGV DUH H[FLWHG EXW LW·V H[FLWLQJ WR XV DV ZHOO 7KH NLGV DUH VR FXULRXV µ

,Q WKH J\P VWXGHQW YROXQWHHUV HQJDJHG WKH FKLOGUHQ ZLWK GLIIHUHQW W\SHV RI VSRUWV $OHMDQGUD +HUQDQGH] D NLQHVLRORJ\ PDMRU ZDV WKHUH UHSUHVHQWLQJ WKH /DG\ -DJXDU VRIWEDOO WHDP ´:H ZDQW WR JLYH EDFN WR WKH FRPPXQLW\ DQG KHOS WKH NLGV ZKR ZDQW WR SOD\ VSRUWV µ VKH VDLG ´:H DOO KDYH IXQ SOD\LQJ ZLWK WKH NLGV µ .DWK\ 'H $UDQD D NLQGHUJDUWHQ WHDFKHU IRU $OXP 5RFN VDLG WKDW HYHQ WKRXJK KHU FODVV LV \RXQJ VKH KDV EHHQ DEOH WR LQFOXGH WKH WULS WR 6-&& LQWR KHU FXUULFXOXP ´7KH NLGV UHDOO\ ORRNHG IRUZDUG WR FRPLQJ µ 'H $UDQD VDLG ´:H WDONHG DERXW ZKDW ZH ZDQW WR EH ZKHQ ZH JURZ XS DQG WKDW \RX PD\ QHHG WR JR WR FROOHJH µ 0LFKDHO &DVDV 6-&&·V 'LUHFWRU RI 6WXGHQW $FWLYLWLHV VDLG WKH FKLOGUHQ HQMR\HG WKH VWDWLRQV EHFDXVH WKH\ ZHUH DEOH WR JHW LQYROYHG ZLWK KDQGV RQ H[SHULHQFHV ´:H HQJDJH WKH FRPPXQLW\ µ &DVDV VDLG ´, OLNH WR VHH WKH ELJ VPLOHV RQ WKHLU IDFHV µ &DVDV SRLQWHG WR WKH QHFNODFHV WKDW WKH FKLOGUHQ ZRUH ZKLFK VDLG ZKDW WKH\ ZDQW WR EH ZKHQ WKH\ JURZ XS DQG VDLG ´7KRVH DUH WKH KRSHV DQG GUHDPV RI WKH IXWXUH µ

&XWV IXUWKHU FKDOOHQJH GLVDEOHG VWXGHQWV 'LVWULFW GHFLVLRQ WR FXW SRVLWLRQV OHDGV WR VWXGHQWҋV FRPSODLQWV PLJKW QRW FRPSO\ ZLWK $'$ %< /$55< +$55,6 7,0(6 67$))

'XH WR IXQGLQJ FXWV IURP WKH VWDWH WKH 'LVWULFW GHFLGHG WR FXW WZR VWDII SRVLWLRQV IURP (YHUJUHHQ 9DOOH\ &ROOHJH·V 'LVDEOHG 6WXGHQWV 3URJUDP DW WKH 0DUFK 'LVWULFW %RDUG PHHWLQJ 3KLO &DPS\ D 'LVDEOHG 6WXGHQWV 3URJUDP VWXGHQW DW (9& PDGH WKH %RDUG RI 7UXVWHHV DZDUH DW WKH ERDUG PHHWLQJ RQ $SULO WKDW KH KDV ÀOHG WZR FRPSODLQWV ZLWK WKH 8 6 2IÀFH RI &LYLO 5LJKWV 7KH $PHULFDQV ZLWK 'LVDELOLWLHV $FW UHFRJQL]HV DQG SURWHFWV WKH FLYLO ULJKWV RI SHRSOH ZLWK GLVDELOLWLHV 7KH $'$ FRYHUV D ZLGH UDQJH RI GLVDELOLW\ IURP SK\VLFDO FRQGLWLRQV DIIHFWLQJ PRELOLW\ VWDPLQD VLJKW KHDULQJ DQG VSHHFK WR FRQGLWLRQV VXFK DV HPRWLRQDO LOOQHVV DQG OHDUQLQJ GLVRUGHUV DFFRUGLQJ WR WKH 6DQ -RVH &LW\ &ROOHJH '63 ZHEVLWH 5RELQ 6DODN FRRUGLQDWRU RI '63 DW (9& VDLG WKH VWDII FXWV WR WKH GHSDUWPHQW ZRXOG SUHYHQW WKH 'LVWULFW IURP UHPDLQLQJ LQ FRPSOLDQFH ZLWK $'$ ´:H FXUUHQWO\ VHUYH DSSUR[LPDWHO\ VWXGHQWV µ 6DODN VDLG ´0\ VWDII LV DV GHGLFDWHG WR RXU '63 VWXGHQWV DV , DP ,I ZH ORVH WZR VWDIIHUV ZH ZLOO QRW EH DEOH WR VHUYH RXU '63 SRSXODWLRQ LQ D ¶WLPHO\ PDQQHU ·

)N DEPTH INTER VIEW WITH 3*## PRESIDENT ONLINE

(9& ,QWHULP 3UHVLGHQW 0DULO\Q * %URFN VDLG VKH LV UHVSRQVLEOH IRU PDLQWDLQLQJ FRPSOLDQFH RI WKH '63 UHJDUGOHVV RI GLVWULFW EXGJHW FXWV DQG GHFUHDVHG VWDWH IXQGLQJ ´,Q VSLWH RI WKH QHFHVVDU\ VWDII FXWV WR (9& '63 ZH ZLOO UHPDLQ LQ FRPSOLDQFH ZLWK $'$ µ %URFN VDLG ´6RPH RI WKH FXUUHQW SURJUDPV ZLOO EH FRPELQHG VRPH RI WKHP ZLOO EH HOLPLQDWHG EHFDXVH WKH\ DUH GULYHQ E\ WKH EXGJHW GROODUV µ %URFN VDLG WKH VWDWH KDV UHOD[HG PDQ\ RI LWV UHVWULFWLYH SROLFLHV RQ FRPLQJOLQJ SURJUDP IXQGV ´,W XVHG WR EH XQWLO ODVW \HDU WKH IXQGLQJ ZDV VHSDUDWH IRU D VSHFLÀF SURJUDP 7KH VWDWH KDV QRZ DOORZHG XV WR PHUJH WKH IXQGLQJ RQ VRPH SURJUDPV :H ZLOO DOVR FRQWLQXH WR ¶VKDUH IXQFWLRQ· ZLWK RWKHU FROOHJHV WR DFFRPPRGDWH HDFK RWKHU·V VWXGHQWV µ 6WDWH IXQGLQJ LV WKH GULYHU %URFN VDLG ZKLFK ZLOO GHWHUPLQH WKH QHZ '63 ´7KH UHDO SUREOHP LV LI \RX WDNH DQ\ SURJUDP DQG KDYH SHUFHQW WR SHUFHQW RI LWV IXQGLQJ GLVDSSHDU LW KDV WR FKDQJH :KDW ZLOO KDSSHQ RYHU WKLV IXQGLQJ F\FOH LV DOO RI WKHVH SURJUDPV ZLOO EH PRUSKHG LQWR VRPHWKLQJ GLIIHUHQW"µ :LWK WKH UHGXFWLRQV PDGH E\ WKH VWDWH DQG QRW WKH

3TUDENT TAKES A STAND AGAINST TRASH PAGE

GLVWULFW %URFN VDLG WKHUH LV JRLQJ WR EH VRPH HYROYLQJ RI WKH PRGHO EDVHG XSRQ WKH IXQGLQJ DYDLODEOH ´2XW RI WKLV EXGJHW FULVLV FDQ FRPH VRPH QHZ PRGHOV VRPH QHZ FROODERUDWLRQ DQG EHWWHU ZD\V WR VHUYH VWXGHQWV µ %URFN VDLG /L] 9DVTXH] $VVLVWLYH 6HUYLFH 6SHFLDOLVW DQG D \HDU YHWHUDQ RI WKH GLVWULFW DW (9& LV RQH RI WKH VWDII PHPEHUV VFKHGXOHG IRU WHUPLQDWLRQ 6KH VDLG VKH ZRQGHUV ZKR ZLOO WDNH RYHU KHU GXWLHV XSRQ KHU WHUPLQDWLRQ 9DVTXH] VDLG KHU XQLRQ FRQWUDFW SURKLELWV DQRWKHU ZRUNHU IURP SHUIRUPLQJ KHU GXWLHV LI KHU WHUPLQDWLRQ LV D UHVXOW RI EXGJHW FXWV 6KH VDLG LW LV KHU MRE WR JXDUDQWHH WKH VFKHGXOHG DFFRPPRGDWLRQV IRU '63 VWXGHQWV JHW LPSOHPHQWHG ZKLFK PHDQV ZKHHOFKDLUV NQHHV DQG KDQGV ÀW SURSHUO\ XQGHU DURXQG DQG RQ WDEOHV DQG DUHDV UHPDLQ DFFHVVLEOH LQ VSLWH RI VKXIÁLQJ GHVNV E\ RWKHU VWXGHQWV 6WHSKHQ :HEE DQ +RQRUV DQG '63 VWXGHQW VDLG ´:LWKRXW WKH '63 VHUYLFHV , UHFHLYH IURP 6-&& , ZRXOG QRW EH DEOH WR FRPSHWH RQ D OHYHO SOD\LQJ ÀHOG ZLWK P\ IHOORZ VWXGHQWV %HFDXVH RI WKH '63 , SODQ WR HQWHU LQWR WKH PDVWHU·V SURJUDP DW 6DQ -RVH 6WDWH 8QLYHUVLW\ µ

2ADIOBROADCASTING TO BE OFFERED AS A CLASS IN &ALL PAGE

5,?; 0::<,! 4H` ,4(03 <:! JP[`JVSSLNL[PTLZ'QHN\HYZ ZQJJ LK\ */,*2 <: 6<; 65305,! ^^^ ZQJJ[PTLZ JVT


Q 6705065 ;<,:+(@ 4(@

=0:0; <: 65305, (; >>> :1**;04,: *64

(',725,$/

:+$7 &+$1*(6 '2 <28 (;3(&7 6-&& FDQGLGDWHV IRU QHZ VHQDWH YDQGDOL]H WKH FDPSXV 72 6(( 21 &$0386 :DONLQJ DURXQG WKH 6DQ -RVH &LW\ &ROOHJH·V $6 WKRXJKW WKH\ ZHUH EHLQJ FUHDWLYH EXW LW·V MXVW FDPSXV RQH FDQ LPPHGLDWHO\ QRWLFH WKH FKDON DQRWKHU ZD\ RI GHIDPLQJ WKH FDPSXV 1(;7 6(0(67(5"

:DON DOO RYHU WKHP

FDPSDLJQV FRYHULQJ WKH JURXQGV 7KH $VVRFLDWHG 6WXGHQWV DQG LWV FDQGLGDWHV KDYH GRQH DQ LQMXVWLFH WR WKH VFKRRO E\ DOORZLQJ WKLV JUDIÀWL IRU WKH 0D\ HOHFWLRQ :LWK DOPRVW HYHU\ WLOH LQ IURQW RI WKH VWXGHQWV FHQWHU FRYHUHG LQ UHSHWLWLYH GHPDQGV WR YRWH IRU VWXGHQWV RI WKH $6 DQG WKRVH ZKR ZDQW WR MRLQ WKH VHQDWH LW ORRNV XQDWWUDFWLYH DQG FKLOGLVK 6RPH VWXGHQWV WKRXJKW WKDW WKH FKDON ZDV OHIWRYHU IURP WKH .LQGHUFDPLQDWD HYHQW $ ORW RI UHVSHFW FDQ EH ORVW IRU WKH $6 DQG WKH FDQGLGDWHV UXQQLQJ WR UHSUHVHQW WKH QHZ VHQDWH :KHUH LV WKH OLQH EHWZHHQ WKLV DQG JUDIÀWL" $W OHDVW JUDIÀWL FDQ EH DHVWKHWLFDOO\ SOHDVLQJ DW WLPHV <HV ZH XQGHUVWDQG VRPH RI WKH PHPEHUV RI

1$7+$1 &2//,16 7,0(6 67$))

$OWKRXJK LW LV ZDVKDEOH FKDON LW LV QRW VXSSRVHG WR UDLQ IRU D ZKLOH VR ZKDW KDSSHQV DIWHU WKH HOHFWLRQ ZKHQ DOO WKHLU ´FDPSDLJQLQJµ LV VWLOO VSDQQLQJ IURP WKH 7HFKQRORJ\ &HQWHU WR WKH VRIWEDOO ÀHOG" 2U ZKHQ D VPDOO UDLQ FRPHV DQG MXVW WXUQV LW LQWR LOOHJLEOH EORWFKHV RQ RXU SDYHPHQW" 7KH $6 DQG WKH FDQGLGDWHV LQYROYHG VKRXOG FOHDQ XS WKHLU PHVV DIWHU WKH HOHFWLRQ DQG QH[W WLPH XVH WKH UHVRXUFHV DOORWWHG LQ WKHLU EXGJHW LQFOXGLQJ SDLQWV DQG SDSHU WR PDNH SUHWW\ LQIRUPDWLYH VLJQV RU EDQQHUV +RZ FDQ ZH YRWH IRU VRPHRQH ZH FDQ ZDON DOO RYHU HVSHFLDOO\ ZKHQ ZH NQRZ QRWKLQJ DERXW WKHP"

&RQTXHULQJ RI WKH RGGV *HUDFL RYHUFRPHV OHDUQLQJ GLVDELOLWLHV WR HDUQ KHU GHJUHH %5,$11( *(5$&, &2175,%8725

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

ZDQW WR VOHHS :KHQ , VWDUWHG DW 6DQ -RVH &LW\ &ROOHJH LQ WKH IDOO RI , ZDV SODFHG LQ WKH PDWK FODVV 7KLV FODVV WRRN PH DOPRVW \HDUV WR FRPSOHWH 7KLV SDVW VHPHVWHU , UHFHLYHG D SHUFHQW RQ WKH PDWK ÀQDO :KHQ , KDG IRXQG RXW , KDG SDVVHG , ZDV RQ D VHDUFK WR ÀQG DQ $OJHEUD LQVWUXFWRU -XVW EHIRUH WKH VHPHVWHU ZDV FRPLQJ WR DQ HQG , KHDUG IURP D VWXGHQW DERXW D VSHFLÀF LQVWUXFWRU , HPDLOHG WKH LQVWUXFWRU ULJKW DZD\ , ZDQWHG WR ÀQG RXW RQ P\ RZQ KRZ DPD]LQJ WKLV LQVWUXFWRU ZDV , PHW 0V &ULEEV LQ WKH PDWK WXWRULQJ ODE DQG WKDW·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

7,0HV &,7< &2//(*(

5RRP 7HFKQRORJ\ &HQWHU ‡ 6DQ -RVH &LW\ &ROOHJH 0RRUSDUN $YHQXH ‡ 6DQ -RVH ‡ &DOLIRUQLD [ ‡ FLW\FROOHJHWLPHV#MDJXDUV VMFF HGX 7KH 7LPHV ZDV HVWDEOLVKHG LQ WR SURYLGH D NH\ IRUXP IRU FDPSXV QHZV LQIRUPDWLRQ DQG RSLQLRQ IRU DSSUR[LPDWHO\ VWXGHQWV IDFXOW\ VWDII DQG DGPLQLVWUDWRUV HDFK VHPHVWHU

63($. 2 8

7

&203,/(' %< (0,/< /$1' $1' 1$7+$1 &2//,16 7,0(6 67$))

6DPDQWKD 3HOOHWLHU $JH 0DMRU &RVPHWRORJ\ Q ´, KRSH WKHUH ZLOO EH EHWWHU KHOS LQ WKH 0DWK GHSDUWPHQW µ

7LPRWK\ $PD\D $JH 0DMRU &RPSXWHU *UDSKLFV Q ´5HDOLVWLFDOO\" )HZHU VWXGHQWV EHFDXVH RI VHYHUHO\ UHGXFHG FODVVHV µ

&KDUOHV +HLPOHU $JH Q ´,W·V KDUG WR SUHGLFW EXW QH[W \HDU , H[SHFW D KDUGZRUNLQJ MRXUQDOLVP FODVV DQG PRUH DZDUGV µ

5RPHUR -DORPR $JH 1 $ 'HDQ RI 5HWHQWLRQ DQG 6XSSRUW 3URJUDPV Q ´+RSHIXOO\ ZH ZLOO DGGUHVV WKLV EXGJHW FKDOOHQJH DQG KDYH D JUHDW VHPHVWHU µ

5XIXV %ODLU $JH $PHULFDQ 6LJQ /DQJXDJH ,QVWUXFWRU Q ´, IHHO EDG IRU VWXGHQWV , H[SHFW FODVV FXWV IXOO FODVVHV DQG PRUH WHDFKHUV ZLWKRXW ZRUN µ

%HYHUO\ /\QFK $JH 3URJUDP 6SHFLDOLVW Q ´$ ORW RI GLVJUXQWOHG VWXGHQWV QRW JHWWLQJ ZKDW WKH\ QHHG EHFDXVH WKH\·YH GLVWULFW FXW EDFN RQ FODV VLÀHG VWDII SRVLWLRQV DQG WKH\ GLVWULFW DUH JRLQJ WR DQQRXQFH DV PXFK DV PRUH 2QH RQ RQH VHU YLFHV ZH DUH DEOH WR JLYH VWXGHQWV ZLOO EH IHZ DQG IDU EHWZHHQ EH FDXVH ZH ZLOO EH VR VKRUW VWDIIHG µ

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·V QDPH DQG FRQWDFW LQIRUPDWLRQ DQG PD\ QRW H[FHHG ZRUGV $OO OHWWHUV PD\ EH HGLWHG IRU OHQJWK FODULW\ DQG OLEHO 3OHDVH LQFOXGH D SKRQH QXPEHU $ VLJQHG FRS\ PXVW EH GHOLYHUHG WR WKH 7LPHV PDLOER[ RU QHZVURRP DQG DQ HOHFWURQLF FRS\ H PDLOHG WR FLW\FROOHJHWLPHV#MDJXDUV VMFF HGX

&2175,%87( 72 7+( &,7< &2//(*( 7,0(6 :ULWHUV SKRWRJUDSKHUV RU DUWLVWV &RQWDFW WKH DGYLVHU DW IDULGHK GDGD#VMFF HGX $OO YLHZSRLQWV DQG HGLWRULDOV DUH WKH RSLQLRQV RI WKH 7LPHV VWDII DQG QRW RI WKH IDFXOW\ VWDII DGPLQLVWUDWLRQ RU RI 6-(&&'


6705065 Q

465+(@ 4(@

:HDULQJ WZR KDWV $ VDOXWH WR VWXGHQW PRPV LQ VFKRROV %< /((7$ 526( %$//(67(5 7,0(6 67$))

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´7KH\ ORYH LW HVSHFLDOO\ WKH JDV FDUG DQG WKH PHDO WLFNHWV 7KH\ KDYH FKLOGUHQ DQG ZRUN DQG PLJKW QRW KDYH WLPH WR PDNH PHDOV µ VDLG 1XULVWDQL 1XULVWDQL VDLG WKDW WKH &$5( SURJUDP VHUYHG VWXGHQWV LQ 7KLV VHHPV OLNH D VPDOO SDUW RI WKH SDUHQW SRSXODWLRQ DW 6-&& DQG , ZDV FXULRXV WR ÀQG RXW ZKHUH RWKHU VWXGHQWV DUH ÀQGLQJ VXSSRUW $PHOLD *DUFLD D EXVLQHVV PDMRU DQG VLQJOH PRWKHU RI WKUHH VDLG VKH ZDV VXUSULVHG WKDW VKH GLG QRW TXDOLI\ IRU &$5( ´, RQO\ KDYH RQH LQFRPH DQG , KDYH WKUHH FKLOGUHQ SOXV P\VHOI WR VXSSRUW µ *DUFLD VDLG ´, GLG KRZ HYHU DSSO\ IRU )$)6$ DQG KDYH UHFHLYHG PRQH\ WR JR WR VFKRRO 7KLV KDV EHHQ D ELJ KHOS WR PH WR SD\ IRU P\ VFKRROLQJ %HIRUH DS SO\LQJ IRU )$)6$ , KDG VWRSSHG WDNLQJ FODVVHV EHFDXVH , FRXOGQ·W DIIRUG WKHP , DP YHU\ WKDQNIXO WKDW , FDQ FRQWLQXH WR WDNH FODVVHV µ *DUFLD VDLG VKH LV OXFN\ WR KDYH JUHDW VXSSRUW IURP KHU IDP LO\ ZKLFK ZDWFKHV KHU FKLOGUHQ ZKLOH VKH LV DW VFKRRO ´, WDNH HYHQLQJ FODVVHV DQG RQOLQH FODVV WR KHOS PH RIIVHW P\ WLPH DZD\ IURP KRPH µ *DUFLD VDLG ´+RPHZRUN DQG VWXG\LQJ DW

KRPH FDQ EH GLIÀFXOW GXH WR FRQ VWDQW LQWHUUXSWLRQV DW KRPH DQG KHOSLQJ P\ FKLOGUHQ ZLWK WKHLU KRPHZRUN µ

´7KH\ KDYH FKLOGUHQ DQG ZRUN DQG PLJKW QRW KDYH WLPH WR PDNH PHDOV µ )D]LOD 1XULVWDQL DQ 6-&& DFDGHPLF DGYVHU 0LFKHOOH $OOHQ D PHGLFDO VFLHQFH PDMRU DOVR LV D PRWKHU RI WKUHH +HU GDXJKWHU LV \HDUV ROG DQG KHU WZR VFKRRO DJH VRQV DUH DXWLVWLF $OOHQ VDLG WKDW KHU $ DYHUDJH ZRXOG QRW EH SRVVLEOH ZLWKRXW WKH VXSSRUW RI KHU KXVEDQG ZKR VWD\V DW KRPH ´, ZRUN IXOO WLPH DQG FDUU\ D IXOO VFKHGXOH RI XQLWV µ $OOHQ VDLG ´6WXG\LQJ LV KDUG VRPHWLPHV EXW ZLWK WKH KHOS RI P\ KXVEDQG , DP DEOH WR FRPSOHWH P\ DVVLJQ PHQWV +H PDNHV VXUH WKDW , KDYH TXLHW WLPH ZKHQ , JHW KRPH IURP ZRUN VR WKDW , FDQ IRFXV RQ P\ FODVVZRUN µ 5RVH $FRVWD D VRFLDO ZRUN PDMRU VDLG VKH ZDLWHG XQWLO KHU VL[ FKLOGUHQ KDG JRWWHQ ROGHU WR FRPH EDFN WR VFKRRO ´, KDYH WDNHQ D IHZ FODVVHV RYHU WKH \HDUV ZKLOH UDLVLQJ WKHP EXW IRXQG LW WRR GLIÀFXOW WR MXJJOH HYHU\WKLQJ VR , GHFLGHG WR ZDLW µ $FRVWD VDLG $FRVWD VDLG WKDW KHU FKLOGUHQ OLNH WKH IDFW WKDW WKHLU PRWKHU LV LQ VFKRRO ´,W HQFRXUDJHV WKHP WR GR WKHLU KRPHZRUN EHFDXVH PRP LV GRLQJ KHUV µ $FRVWD VDLG (DFK RI WKHVH ZRPHQ IDFH GLI IHUHQW FKDOOHQJHV DQG KDYH GLIIHU HQW JRDOV EXW WKH\ VKDUH VRPH FRP PRQDOLWLHV 7KH\ KDYH PDGH WKH FKRLFH WR FRPH EDFN WR VFKRRO WR IXOÀOO WKHLU GUHDPV DQG WKH\ PDNH LW ZRUN HYHQ ZKHQ LW LV WRXJK 6R KDWV RII WR \RX VWXGHQW PRPV DQG KDSS\ 0RWKHU·V 'D\

7DNLQJ EDFN RXU QHZVVWDQGV 6WD\LQJ FOHDQ ZLWK XQZDQWHG PDWHULDO %< 78&.< +2:$5' 7,0(6 67$))

7XLWLRQ FRVWV VKRXOGQ·W VWRS \RX IURP UHDFKLQJ \RXU JRDOV LQ OLIH %\ MRLQLQJ WKH $UP\ 1DWLRQDO *XDUG \RX·OO UHFHLYH WKH PRQH\ \RX QHHG WR KHOS SD\ IRU FROOHJH DV ZHOO DV WKH VNLOOV DQG WUDLQLQJ \RX QHHG WR JHW WKH FDUHHU \RX ZDQW ,I \RX·UH ORRNLQJ WR JHW WKURXJK FROOHJH ZLWK WKH $UP\ 1DWLRQDO *XDUG \RX FDQ

7+8 0SYVHIW ,YVXEHS 2%8-32%0+9%6( GSQ ˆ +3 +9%6( $06 B [ B+XUWDGR LQGG

30

IRU RXU QHZVVWDQGV 7KH ROGHU 6-&& QHZVVWDQGV DUH IRU RXU QHZVSDSHUV QHZVOHWWHUV DQG QRW IRU DGYHUWLVH PHQWV RU VHOI SURPRWLRQV :H KDYH QHZ DQG EHWWHU QHZVVWDQGV IRU DOO VR SOHDVH UHVSHFW WKH 7LPHV QHZVWDQG SURSHUWLHV

7UDVK JDUEDJH XQZDQWHG PD WHULDOV DQG FUXPEOHG SDSHUV DUH QRW IRU WKH 6DQ -RVH &LW\ &ROOHJH QHZVVWDQGV /LWWHULQJ XVXDOO\ KDS SHQV RQ WKH JURXQG EXW IRU VRPH UHDVRQ WKH 6-&& SRSXODWLRQ WKLQNV WKDW WKH QHZVVWDQGV DUH JDUEDJH FDQV 6WRS EHLQJ OD]\ DQG WKURZ \RXU WUDVK DZD\ LQ WKH JDUEDJH DQG QRW LQ WKH 6-&& QHZVVWDQGV 6DQ -RVH &LW\ &ROOHJH 7LPHV VWDII ZULWH SURGXFH WDNH WKH WLPH WR UHVHDUFK DQG À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



+!&% # !*' %! %!- )*!+0 #! - * !% IDPLOLD ,) -!*!&% !* + + - )0 *+, %+ .!## ) , + + $ " * &,) /' )! % *' ! # #& # ,%!- )*!+0 + + "%&.* 0&, ,%!(, $,#+! ,#+,) # ' )*' +!- ! + $! -!*!% +,+&)!% ' )*&% #!1 '')& )&$ ')& **&)* '#,* + 2 /! !#!+0 +& + " - %!% &) &%#!% &,)* *

/' )! % $&) + ,


Q *(47<: 30-, ;<,:+(@ 4(@

=0:0; <: 65305, (; >>> :1**;04,: *64

7RS DZDUGV HDUQHG &LW\ &ROOHJH 7LPHV WDNHV KRPH VL[ VWDWH DZDUGV %< 2/,9,$ 3$<1( 7,0(6 67$))

67(3+$1,( 60,7+ 7,0(6 67$))

.-&& )0 EURDGFDVWHUV GLVFXVV WRSLFV RQ 7XHVGD\ $SULO DW 6DQ -RVH &LW\ &ROOHJH UDGLR URRP ORFDWHG LQ WKH 6WXGHQW &HQWHU

.-&& VWHSV XS LQ FODVV 5DGLR VWDWLRQ XSJUDGHG WR D IXOO WLPH VWDWXV 7KH FODVV ZDV UHQHZHG DV D GLUHFWHG VWXGLHV FRXUVH WKHQ QHDUO\ FDQFHOOHG IRU WKH IDOO VHPHVWHU 'XH WR D FKDQJH LQ WKH GLUHFWHG 6DQ -RVH &LW\ &ROOHJH UDGLR VWDWLRQ .-&& VWXGLHV UHTXLUHPHQWV ´ :H FRXOG QR ORQJHU KDV EHHQ VDYHG IURP WKH EXGJHWDU\ D[H RIIHU GLUHFWHG VWXGLHV LQ SODFH RI D FODVV µ .-&& EURDGFDVWLQJ RQ )0 KDV EHHQ 6FDOHV VDLG VODWHG WR EH UHLQVWDWHG DV D IXOO WLPH FODVV VDLG $Q H[FHSWLRQ WR WKH UXOH ZDV PDGH IRU WKH 9LUJLQLD 6FDOHV LQWHULP GHDQ RI /DQJXDJH FXUUHQW DQG SUHYLRXV VHPHVWHUV ,Q IDOO $UWV 7KH QHZ FODVVHV -RXUQDOLVP $ % WKH FRXUVH ZDVQ·W RIIHUHG XQWLO D PRQWK DIWHU DQG & ZLOO EH DGGHG WR WKH IDOO VFKHGXOH WKH VHPHVWHU EHJDQ EXW VWLOO GUHZ VWXGHQWV .-&& KDV EHHQ D SDUW RI 6-&& VLQFH 6FDOHV VDLG DQG KDV EHHQ RSHUDWHG E\ YDULRXV FDPSXV 2SHUDWLRQ DQG IXQGLQJ RI WKH VWDWLRQ LV FOXEV VLQFH IDOO ZKHQ WKH FODVVHV ZHUH LQGLUHFW FDQFHOOHG EHFDXVH RI EXGJHW FXWV DFFRUGLQJ ´7KH 0HGLD &OXE RSHUDWHV WKH UDGLR WR WKH VWDWLRQ PDQXDO 7KH VWDWLRQ ORFDWHG LQ VWDWLRQ µ VDLG 7RQ\ /D 5RVD 0HGLD &OXE WKH &\EHU &DIH KDV EHHQ ODEHOHG -RXUQDOLVP SUHVLGHQW DQG D SROLWLFDO VFLHQFH PDMRU ´7KH 'LUHFWHG 6WXGLHV %D\ $UHD VSRUWV 0HGLD &OXE LV D VXSSRUW PHFKDQLVP IRU WKH EURDGFDVWLQJ YHWHUDQ -RKQ 6KUDGHU LV WKH UDGLR VWDWLRQ DQG WKDW ZH ZRXOG GUDZ SHRSOH FXUUHQW LQVWUXFWRU IURP WKH FODVV µ

%< %5$1'21 %(57+(/6(1 7,0(6 67$))

&LW\ &ROOHJH 7LPHV FDPH DZD\ ZLWK VL[ DZDUGV DW WKH WK -RXUQDOLVP $VVRFLDWLRQ RI &RPPXQLW\ &ROOHJHV 6WDWH &RQIHUHQFH 7KH 7LPHV VWDIIHUV WRRN KRPH WKH KLJKHVW KRQRU JLYHQ WR QHZVSDSHUV WKH *HQHUDO ([FHOOHQFH DZDUG ÀUVW SODFH LQ (VVD\ :ULWLQJ DQG %URDGFDVW 1HZV :ULWLQJ WKLUG SODFH LQ 1HZV 7ZHHWLQJ DQG UHFHLYHG KRQRUDEOH PHQWLRQ IRU 1HZV 3KRWR DQG )URQW 3DJH /D\RXW $OOHQ 'HJX (PLO\ /DQG 2OLYLD 3D\QH DQG 6WHSKDQLH 6PLWK IURP WKH 7LPHV 6WDII SDUWLFLSDWHG DORQJ VLGH DSSUR[LPDWHO\ RWKHU

&DOLIRUQLD FRPPXQLW\ FROOHJHV LQ WKUHH GD\V ZRUWK RI ZRUNVKRSV DQG RQ WKH VSRW FRQWHVWV LQ 6DFUDPHQWR RQ $SULO 7LPHV 6WDIIHUV KDG WKH RSSRUWXQLW\ WR PHHW ZLWK WKH -R\FH 7HUKDDU 0DQDJLQJ (GLWRU DW WKH 6DFUDPHQWR %HH DQG WRRN WRXUV DW 6DFUDPHQWR·V )R[ QHZV VWDWLRQ 2QH RI WKH VWDIIHUV RI WKH &LW\ &ROOHJH 7LPHV VDZ WKH ÀHOG RI MRXUQDOLVP DV D QHZ FDUHHU SDWK ´, UHDOL]HG WKDW , KDG IRXQG P\ FDOOLQJ DQG P\ OLIH ZLOO IRUHYHU UHYROYH DURXQG EURDGFDVW QHZV ZULWLQJ µ (PLO\ /DQG VDLG ZLQQHU RI 7ZLWWHU DQG 1HZV %URDGFDVWLQJ DZDUGV :LWK DOO WKH QHJDWLYLW\ VXUURXQGLQJ

6-&& ZLQQLQJ VXFK DZDUGV EULQJV DFNQRZOHGJPHQW WR WKH -RXUQDOLVP SURJUDP DQG WR 6-&& :LWK WKH FKDOOHQJHV IDFHG RI SUREDWLRQ OD\RIIV DQG EXGJHW LVVXHV RI WKH VFKRRO ZLQLQJ WKH DZDUGV SURYLGHV SRVLWLYH RXWORRN DW 6-&& ´7KLV LV QRW WKH ÀUVW WLPH WKDW \RX·YH EHHQ KRQRUHG ZLWK DWWHVW WR WKH OHYHO RI FRQVLVWHQW H[FHOOHQFH LQ MRXUQDOLVP µ &KDQFHOORU 5LWD &HSHGD VDLG LQ DQ HPDLO WR WKH 7LPHV 6WDII ´, DOVR NQRZ WKDW WKH VWXGHQW QHZVSDSHU KDG D ORW WR GR ZLWK WKH IDFW WKDW 6-&& UHFHLYHG FRPPHQGDWLRQV IURP WKH DFFUHGLWDWLRQ YLVLWLQJ WHDP EHFDXVH RI WKH YLEUDQW VWXGHQW YRLFH RQ FDPSXV µ

7KHIWV PDGH RQ FDPSXV &ULPH VSUHH KLWV 6-&& LQ UHFHQW PRQWKV DQG OHDGV &KDYH] VDLG ´ZH HQFRXUDJH HY HU\RQH WR VHFXUH WKHLU EHORQJLQJV (LWKHU ORFN WKHP XS DQG GR QRW OHDYH EHORQJLQJV 5XEHQ &KDYH] /LHXWHQDQW 6DQ -RVH RXW LQ RSHQ YLHZ 7KH RWKHU WKHIWV ZHUH DQG (YHUJUHHQ &RPPXQLW\ &ROOHJH 3ROLFH ODSWRSV DQG FRPSXWHUV OHIW LQ SODFHV WKDW GHSDUWPHQW VDLG WKHUH KDYH EHHQ FULPHV ZRXOG QRUPDOO\ EH FRQVLGHUHG VDIH KRZ RQ FDPSXV VLQFH -DQXDU\ LQFOXGLQJ ELNH HYHU ZLWK RXU WURXEOLQJ HFRQRP\ SHRSOH WKHIWV FDU EUHDN LQV DQG DOOHJHG FKDUJHV RI ZLOO UHVRUW WR ´FULPHV RI RSSRUWXQLW\µ GULYLQJ XQGHU WKH LQÁXHQFH 6DKDU /DPD DQ 6-&& VWXGHQW UHFHQW &KDYH] VXPPDUL]HG WKH FULPHV DQG O\ KDG KHU ODSWRS VWROHQ IURP WKH 6WXGHQW VDLG ´WKHUH KDYH EHHQ &HQWHU WZR ELF\FOH WKHIWV IURP ´0RVW RI WKH 6KH VDLG ´, WKRXJKW WKH VWDQGV QH[W WR WKH *( WKH 6WXGHQW /LIH &HQWHU EXLOGLQJ GXULQJ WKH GD\ FULPLQDO DFWLYLW\ ZDV VHFXUH , OHIW P\ FRP WLPH %RWK KDG FKDLQV SXWHU LQ WKH RSHQ WR DVVLVW ZLWK ORFNV WKDW ZHUH FXW RFFXUV LQ EURDG RQ D IXQGUDLVHU ZLWK WKH RII WKH FDPSXV SROLFH GD\OLJKW µ 0XVHXP 6WXGHQW $VVR HQFRXUDJH XVH RI WKH FLDWLRQ :KHQ , UHWXUQHG ODUJH 8 VW\OH ORFNV WKDW /LHXWHQDQW 5XEHQ &KDYH] WKH ODSWRS ZDV JRQH ,W FDQ·W EH FXW RII µ ZDV D JLIW IURP P\ PRWK &KDYH] IXUWKHU VDLG HU·V FORVHVW IULHQG µ ´QLQH DXWRPRELOH EXUJODULHV KDYH WDNHQ $FFRUGLQJ WR &KDYH] DQG GHSHQGLQJ SODFH PRVWO\ GXULQJ GD\WLPH LQ SDUNLQJ XSRQ WKH YDOXH DQG LQWHQW RI WKH SHUSHWUD ORWV ´&µ ´/µ DQG ´3µ 7KH ZLQGRZV ZHUH WRU WKH SHQDOW\ IRU WKHIW RU EXUJODU\ FDQ EURNHQ DQG LWHPV WDNHQ 7KH FDPSXV SR UDQJH IURP D \HDU LQ FRXQW\ MDLO WR IRXU OLFH HQFRXUDJH VWXGHQWV DQG VWDII WR NHHS \HDUV LQ SULVRQ GRRUV ORFNHG DQG WR NHHS YDOXDEOHV RXW 7KHIW GLUHFWO\ DIIHFWHG 6-&& VWXGHQWV RI VLJKW 7ZR RI WKH YHKLFOHV EXUJODUL]HG 3DWULFN /RUHD (QJOLVK PDMRU UHFHQWO\ ZHUH SROLFH YHKLFOHV ZKHUH ZLQGRZV ZHUH ORVW KLV ODSWRS DV D UHVXOW RI DQ DXWRPRELOH EURNHQ µ WKHIW 7KHUH KDV RQO\ EHHQ RQH DXWRPRELOH ´0\ ZRUOG ZDV WXUQHG XSVLGH GRZQ WKHIW DQG WKH VXVSHFW ZDV DOUHDG\ LGHQWL $OO RI P\ ÀOHV ZHUH QRZ PLVVLQJ DQG SD ÀHG SHUV , ZDV ZRUNLQJ RQ KDG WR EH UHGRQH 7HQ WKHIWV DQG EXUJODULHV IURP RIÀFHV /RVV RI D FRPSXWHU FDQ EH D WUDXPDWLF H[ FODVVURRPV RU RWKHU EXLOGLQJV KDYH WDNHQ SHULHQFH WR RYHUFRPH µ/RUHD VDLG SODFH 7KH &RVPHWRORJ\ EXLOGLQJ KDV EHHQ ´0RVW RI WKH FULPLQDO DFWLYLW\ RFFXUV KLW KDUG E\ VRPHRQH VWHDOLQJ LWHPV IURP LQ EURDG GD\OLJKW NHHS YDOXDEOHV RXW RI SXUVHV IRXQG LQ XQORFNHG ORFNHUV GXULQJ VLJKW DQG VHFXUHG µ &KDYH] VDLG +H HQ WKH GD\ 7KH WKLHYHV XVHG WKH VWROHQ FUHGLW FRXUDJHV WKH VWXGHQW ERG\ WR LPPHGLDWHO\ FDUGV DGGLQJ WR WKH YLFWLP·V PLVHU\ UHSRUW DQ\ VXVSLFLRXV DFWLYLW\ WR FDPSXV 7KH FDPSXV SROLFH DUH DFWLYHO\ ZRUN SROLFH DW LQJ WKH FDVHV DQG KDYH VRPH JRRG HYLGHQFH

%< /$55< +$55,6 7,0(6 67$))

%5812 0$15,48( &2175,%8725

6DQ -RVH &LW\ &ROOHJH MRXUQDOLVP VWXGHQWV ZLQ VL[ DZDUGV DW -RXUQDOLVP $VVRFLDWLRQ RI &RPPXQLW\ &ROOHJHV -$&& RQ $SULO LQ 6DFUDPHQWR )URP OHIW WR ULJKW 6WHSKDQLH 6PLWK 2OLYLD 3D\QH (PLO\ /DQG DQG $OOHQ 'HJX

7KHDWHU LV OLYH DQG NLFNLQJ ´'LVWDQW )LUHҋVµ VHW LW RII RQ WKH VWDJH %< 1$7+$1 &2//,16 7,0(6 67$))

)RXU FRQVWUXFWLRQ ZRUNHUV RQ WKH VDPH MRE VLWH ZLWK WKH VDPH WDVN RI EXLOGLQJ DUH JLYHQ GLIIHUHQW RSSRUWXQLWLHV DV WKH GD\V JR E\ :KLOH WKH ZRUNHUV GHDO ZLWK WKRVH LVVXHV RQ WKH MRE VLWH D ULIW EHWZHHQ FRZRUNHUV DQG IULHQGV EHJLQV DQG LV EURXJKW WR OLIH IURP ZRUGV RQ VWDJH E\ WKLV WKHDWUH FODVV ´7KHDWUH LV MXVW OLNH PXVLF \RX FDQ·W IHHO WKH HPRWLRQ RQ D &' EXW OLYH \RX IHHO LW µ 7KHDWUH $UWV 3URIHVVRU 'RQQD 0HQGR]D VDLG 0HQGR]D LV SURGXFLQJ WKH SOD\ ´'LVWDQW )LUH·V µ ZULWWHQ E\ .HYLQ +HHODQ WKLV VHPHVWHU DW WKH 6DQ -RVH &LW\ &ROOHJH WKHDWUH :LWK D VPDOO FDVW RI ÀYH D ODUJH VWRU\ LV XQIROGV WRR D ODUJH DXGLHQFH $ VWRU\ WKDW ZRXOG DSSO\ ZLWK WRGD\·V KHDGDFKHV DQG UHDOLW\ ´, MXVW JRW ELW \RX NQRZ MXVW WR EH RQ VWDJH KHDULQJ SHRSOH ODXJK -XVW WR HQWHUWDLQ HYHU\ERG\ LV MXVW IXQ µ WKH OHDG RI ¶)RRV· LV )LOP 7HOHYLVLRQ PDMRU /DUU\ %HOÀHOG VDLG ´2QH RI WKH UHDVRQ ZK\ , SLFNHG WKLV SOD\ LWV DERXW ZRUN WKH LVVXH RI

ZKDW DOPRVW HYHU\ RQH WKDW KDV KDG D MRE FRPHV DFURVV µ 0HQGR]D VDLG ´7R SOHDVH WKH ERVV WR IROORZ WKH UXOHV WU\LQJ WR EUHDN WKH JODVV FHLOLQJ WR PRYH XS µ 6RFLDO VFLHQFH PDMRU &HGULF %\QXP VDLG WKH VWRU\ FDQ UHDFK PDQ\ KHUH DW 6-&& ´$Q\RQH FDQ VLW GRZQ DQG VHH ZKDW·V KDSSHQLQJ WKH VWRU\ LV XQLYHUVDO $Q\ERG\ WKDW VLWV GRZQ DQG ZDWFKHV WKLV SURGXFWLRQ FDQ VHH WKHPVHOYHV ,W·V EDVHG RQ HPRWLRQ µ %\QXP VDLG 0RVW ZRXOG QRW WKLQN RI JRLQJ WR WKH WKHDWUH IRU HQWHUWDLQPHQW QRZ GD\V PRVW PD\ KDYH QRW HYHQ VHHQ D SOD\ ´,W·V D QHZ SHUVSHFWLYH \RX KDYH WR JHW LQWR VRPHRQH HOVH VKRHV µ &RPPXQLFDWLRQV PDMRU $GDP %HODUGHV VDLG ´, GDUH SHRSOH WR SXW WKHPVHOYHV LQ VRPHRQH HOVH¶V VKRHV µ $ PRYLH LV GHWDLOHG EH\RQG UHDOLW\ IURP WKH EDFN JURXQG VRXQGV WR WKH FRORUV DQG GLUHFWLRQ RI OLJKW FKRVHQ IRU WKDW VFHQH 6RPHWLPHV PDVNLQJ RYHU WKH VWRU\ LW·V VHOI ´7KHUH·V DQ HQHUJ\ WKDW \RX GRQ·W JHW ZKLOH ZDWFKLQJ D PRYLH µ 7DPP\ $EUHWX EXWURQ 3V\FKRORJ\ PDMRU VDLG ´6R LI WKH\ FRPH RXW DQG IHHO LW LWV VR GLIIHUHQW DQG LW·V DPD]LQJ µ


Q <505*69769(;,+ ;<,:+(@ 4(@

=0:0; <: 65305, (; >>> :1**;04,: *64

%ODFN ZKLWH DQG ,//8675$7,21 %< '$1,(/ 2:(16

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

+DYH D TXHVWLRQ"

(PDLO XV \RXU VFKRRO UH ODWLRQVKLS RU OLIH TXHVWLRQV WR -DFN DQG -LOO FLW\FROOHJHWLPHV#MDJXDUV HGX

&203,/(' %< $1$/,&,$ 1$-(5$ $1' 67(3+$1,( 60,7+ 7,0(6 67$))

,V WKHUH DQ\WKLQJ LQWHUHVWLQJ WKDW \RX GR RXWVLGH RI VFKRRO" :KDW LV \RXU VSHFLDO WDOHQW"

.OD\UH *X]PDQ $JH 0DMRU 8QGHFLGHG

$EUDKDP +HUQDQGH] $JH 0DMRU /DZ (QIRUFHPHQW

)ORUD +HUQDQGH] $JH 0DMRU (DUO\ &KLOGKRRG (GXFDWLRQ

)UDQN /DZVRQ ,,, $JH 0DMRU &RPPXQLFDWLRQV

Q , OLNH WR JR GDQFLQJ Q , DP JRRG DW GUDZLQJ DQG SDLQWLQJ

Q , FRDFK WKH VRFFHU FOXE DW 6-&& Q %HLQJ D OHDGHU

Q , VHOO IUXLW EDVNHWV ZLWK P\ PRP IRU RXU IDPLO\ EXVLQHVV Q ,·P JRRG DW FKHHULQJ XS DQG HQ FRXUDJLQJ SHRSOH

Q , FDQ FRRN 0\ IDYRULWH WKLQJ WR FRRN LV FKLFNHQ WDFRV Q , FDQ ZULWH SRHWU\

*HQH +HFN $JH &DPSXV ERRNVWRUH HPSOR\HH

0DUWKD %DWUHV $JH 0DMRU 8QGHFLGHG

+DUU\ $GMHL $JH 0DMRU $UFKLWHFWXUH

-DQHW 0HQGR]D $JH 0DMRU 'HQWDO $VVLVWDQW

Q , OLNH WR WDNH ORQJ WULSV RQ P\ PRWRUF\FOH Q :KHQ , ZDV \RXQJHU , SOD\HG WKH GUXPV LQ VFKRRO

Q , OLNH WR JR RXW WR WKH EDU RQ WKH QRUWK VLGH Q ,·P YHU\ SHUVXDVLYH DQG FDQ FKDQJH SHRSOH·V PLQGV

Q , PHQWRU KLJK VFKRRO VWXGHQWV DW P\ FKXUFK Q , FDQ ZULWH SRHWU\

Q , ZRUN DW -& 3HQQ\·V DQG , SOD\ VRFFHU Q ,·P D JRRG GDQFHU

5RVDOLQGD &KDSDQDU $JH 0DMRU (DUO\ &KLOGKRRG (GXFDWLRQ

,UYLQJ %ULVHQR $JH 0DMRU 0HGLFDO $VVLVWDQW

5HEHFFD &UX] $JH 0DMRU (DUO\ &KLOGKRRG (GXFDWLRQ

'DULXV +RZDUG $JH 0DMRU %XVLQHVV

Q , SOD\ VSRUWV ZLWK P\ VRQ DQG JR RXW RQ WKH ZHHNHQGV Q %DODQFLQJ EHLQJ D PRWKHU DQG D VWXGHQW DW WKH VDPH WLPH

Q ,·P D '- DQG , SOD\ IRU WKH VRFFHU FOXE DW 6-&& Q ,·P JRRG ZRUNLQJ ZLWK NLGV

Q , OLYH D GRXEOH OLIH , FKDQJH P\ ,GHQWLW\ ZKHQ , JR RXW ,·P D SDUW\ DQLPDO Q , OLNH WR ZULWH

Q , VHW XS KLS KRS VKRZV DQG , SHUIRUP Q ,·P DQ DUWLVW DQG PDQDJHU , DOVR SXW WRJHWKHU D ZHEVLWH


Q ( , ;<,:+(@ 4(@

=0:0; <: 65305, (; >>> :1**;04,: *64

6SULQJ FRQFHUW DURXQG WKH FRUQHU %DOOHW VWXGHQWV JHW UHDG\ WR VKRZ WKHLU SHUIRUPDQFH

%DOOHW VWXGHQWV RI 6DQ -RVH &LW\ &ROOHJH ZDUP XS ZLWK PXOWLSOH H[HUFLVHV GXULQJ D UHFHQW FODVV LQ WKH GDQFH VWXGLR

´(YHU\RQH LV ZHOFRPH WKHUH·V QR DXGLWLRQ SURFHVV WKHUH·V QR SUHUHTXLVLWHV WR WDNH %DOOHW FODVVHV µ 0F&DOO VDLG

)URP WKH OHIW $SULO 3KDQ XQGHFODUHG (GHUD :KLWH :HQG\ 1JX\HQ KLJK VFKRRO VWX GHQW SHUIRUP WKH ÀIWK SRVLWLRQ GXULQJ SUDFWLFH

$PEHU 0F&DOO GLUHFWRU RI WKH 'DQFH 3URJUDP DW 6DQ -RVH &LW\ &ROOHJH VLQFH VKDUHV D WHDFKLQJ PR PHQW ZLWK 0LFKDHO 1JX\HQ $SULO 3KDQ %DOOHW VWXGHQW FRQ FHQWUDWHV RQ KROGLQJ WKH EDUUH GXULQJ ÁH[LELOLW\ H[HUFLVHV

´72*(7+(5 :( '$1&(µ635,1* '$1&( &21&(57 Q )URP 0D\ DW 6-&& 7KHDWHU DW SP Q ZLWK DQ\ 6WXGHQW ,' RU 6-&& )DFXOW\ 6WDII ,' Q *HQHUDO $GPLVVLRQ Q 3DUNLQJ SDVVHV DUH DYDLODEOH IRU LQ DQ\ VWXGHQW ORW

%DOOHW VWXGHQWV SUHSDUH IRU WKH XS FRPLQJ 6SULQJ 'DQFH &RQFHUW SUHVHQWHG E\ WKH 'DQFH 3URJUDP DW WKH 6DQ -RVH &LW\ &ROOHJH 7KHDWHU IURP 0D\ %< $1*(/$ 0 /23(= &2175,%8725


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.