Jamaica YMCA Fall/Winter 2013 Program Guide

Page 1

/($51 *52: 7+5,9( -$0$,&$ <0&$ )$// :,17(5

-$0$,&$ <0&$ 3DUVRQV %RXOHYDUG -DPDLFD 1< 3 \PFDQ\F RUJ MDPDLFD


:+< :(¶5( +(5( )25 <287+ '(9(/230(17

1XUWXULQJ WKH SRWHQWLDO RI HYHU\ FKLOG DQG WHHQ

:H EHOLHYH WKDW DOO NLGV GHVHUYH WKH RSSRUWXQLW\ WR GLVFRYHU ZKR WKH\ DUH DQG ZKDW WKH\ FDQ DFKLHYH 7KDW¶V ZK\ WKURXJK WKH <0&$ PLOOLRQV RI \RXWK WRGD\ DUH FXOWLYDWLQJ WKH YDOXHV VNLOOV DQG UHODWLRQVKLSV WKDW OHDG WR SRVLWLYH EHKDYLRUV EHWWHU KHDOWK DQG HGXFDWLRQDO DFKLHYHPHQW

)25 +($/7+< /,9,1*

)25 62&,$/ 5(63216,%,/,7<

,PSURYLQJ RXU FRPPXQLW\¶V KHDOWK DQG ZHOO EHLQJ

,Q QHLJKERUKRRGV DFURVV WKH ¾YH ERURXJKV WKH <0&$ LV D OHDGLQJ YRLFH RQ KHDOWK DQG ZHOO EHLQJ 7KH < EULQJV IDPLOLHV FORVHU WRJHWKHU HQFRXUDJHV JRRG KHDOWK DQG IRVWHUV FRQQHFWLRQV WKURXJK ¾WQHVV VSRUWV IXQ DQG VKDUHG LQWHUHVWV $V D UHVXOW QHDUO\ \RXWK DGXOWV DQG IDPLOLHV DUH UHFHLYLQJ WKH VXSSRUW JXLGDQFH DQG UHVRXUFHV QHHGHG WR DFKLHYH JUHDWHU KHDOWK DQG ZHOO EHLQJ IRU WKHLU VSLULW PLQG DQG ERG\

*LYLQJ EDFN DQG SURYLGLQJ VXSSRUW WR RXU QHLJKERUV

7KH <0&$ KDV EHHQ OLVWHQLQJ DQG UHVSRQGLQJ WR 1HZ <RUN &LW\¶V PRVW VRFLDO QHHGV IRU \HDUV :KHWKHU GHYHORSLQJ VNLOOV RU HPRWLRQDO ZHOO EHLQJ WKURXJK HGXFDWLRQ DQG WUDLQLQJ ZHOFRPLQJ DQG FRQQHFWLQJ GLYHUVH GHPRJUDSKLF SRSXODWLRQV WKURXJK JOREDO VHUYLFHV RU SUHYHQWLQJ FKURQLF GLVHDVH DQG EXLOGLQJ KHDOWKLHU FRPPXQLWLHV WKURXJK FROODERUDWLRQV ZLWK SROLF\ PDNHUV WKH < IRVWHUV WKH FDUH DQG UHVSHFW DOO SHRSOH QHHG DQG GHVHUYH

:H¶UH +HUH IRU *RRG ,W¶V EHHQ WKH VLJQDWXUH SKUDVH RI 1HZ <RUN &LW\¶V <0&$ VLQFH HDUO\ DQG LW GHVFULEHV WKH <¶V FRPPLWPHQW WR EXLOGLQJ WKH IRXQGDWLRQV RI DQG VWUHQJWKHQLQJ RXU FRPPXQLWLHV WKURXJK QXUWXULQJ WKH SRWHQWLDO RI HYHU\ FKLOG DQG WHHQ LPSURYLQJ FRPPXQLW\ KHDOWK DQG ZHOO EHLQJ DQG SURYLGLQJ RSSRUWXQLWLHV WR JLYH EDFN DQG VXSSRUW QHLJKERUV :H¶UH KHUH IRU \RX DQG \RXU IDPLO\ :H¶UH KHUH IRU WKH FRPPXQLW\ :H¶UH KHUH IRU JRRG

_ -$0$,&$ <0&$ )$// :,17(5


*(7 (1*$*(' :H NQRZ ¾UVWKDQG KRZ GLI¾FXOW LW FDQ EH WR ¾QG EDODQFH LQ OLIH 7KDW¶V ZK\ ZH¶UH KHUH ZLWK \RX HYHU\ GD\ PDNLQJ VXUH WKDW \RX \RXU IDPLO\ DQG RXU FRPPXQLW\ KDYH WKH UHVRXUFHV DQG VXSSRUW QHHGHG WR OHDUQ JURZ DQG WKULYH :LWK D IRFXV RQ GHYHORSLQJ WKH SRWHQWLDO RI NLGV LPSURYLQJ KHDOWK DQG ZHOO EHLQJ DQG JLYLQJ EDFN DQG VXSSRUWLQJ RXU QHLJKERUV \RXU SDUWLFLSDWLRQ ZLOO QRW MXVW EULQJ DERXW PHDQLQJIXO FKDQJH LQ \RXUVHOI EXW LQ \RXU FRPPXQLW\ WRR +HUH DUH VRPH RI WKH ZD\V \RX FDQ JHW LQYROYHG

)((6 0HPEHUVKLS 7\SHV

-DPDLFD <0&$

-RLQHU¶V )HH

&LW\ ZLGH )HH

4XHHQV ZLGH )HH

-RLQHU¶V )HH

)DPLO\ ,, DGXOWV NLG

PR

PR

PR

)DPLO\ , DGXOW NLG

PR

PR

PR

$GXOW

PR

PR

PR

2OGHU $GXOW

PR

PR

PR

6WXGHQW

PR

PR

PR

7HHQ

PR

Q D

Q D

Q D

<RXWK XS WR

PR

Q D

Q D

Q D

MRLQLQJ IHH DSSOLHV WR &LW\ ZLGH DQG 4XHHQV ZLGH PHPEHUVKLSV

0(0%(56+,3 -RLQ WKH -DPDLFD <0&$ DQG EHFRPH SDUW RI D FRPPXQLW\ FRPPLWWHG WR KHOSLQJ \RX DQG \RXU NLGV OHDUQ JURZ DQG WKULYH < PHPEHUV UHFHLYH IXOO DFFHVV WR WKH IDFLOLW\µV )LWQHVV &HQWHU *\P DQG /RFNHU URRPV SULRULW\ UHJLVWUDWLRQ IRU FODVVHV DQG SURJUDPV GLVFRXQWV RQ FODVVHV DQG SURJUDPV ZLWK D IHH DQG VL[ JXHVW SDVVHV HDFK \HDU WR VKDUH ZLWK IULHQGV 7KH RSWLRQ IRU D 4XHHQV ZLGH RU &LW\ ZLGH PHPEHUVKLS DOORZV \RX WR XVH DQ\ RI WKH RWKHU <0&$V (DFK RI ZKLFK RIIHUV TXDOLW\ IDFLOLWLHV DQG SURJUDPV DQG VZLPPLQJ SRRO H[FHSW 5LGJHZRRG DQG )ODWEXVK <0&$

-$0$,&$ <0&$ )$// :,17(5 _


(9(5<21( ,6 :(/&20(

:H¶UH SURXG WR HQVXUH WKDW WKH <0&$ LV DFFHVVLEOH WR HYHU\RQH DQG ZH QHYHU ZDQW DQ\RQH WR EH WXUQHG DZD\ IRU DQ LQDELOLW\ WR SD\ 'RQ¶W KHVLWDWH WR DVN DERXW ¾QDQFLDO DVVLVWDQFH IRU SURJUDPV RU PHPEHUVKLS :H¶UH KDSS\ WR KHOS :H¶UH DEOH WR RSHQ RXU GRRUV WR DOO WKDQNV WR D FRPPXQLW\ RI JHQHURXV VXSSRUWHUV WR RXU DQQXDO 6WURQJ .LGV &DPSDLJQ &RQWULEXWLRQV WR 6WURQJ .LGV HQDEOH XV WR RIIHU D QXPEHU RI RXU SURJUDPV DQG VHUYLFHV DW ORZ RU QR FRVW DQG WR PDNH DVVLVWDQFH DYDLODEOH WR PDNH SDUWLFLSDWLRQ DIIRUGDEOH 7KH < LV PRUH WKDQ D PHPEHUVKLS FDUG :H¶UH ELJJHU WKDQ WKH SURJUDPV ZH RIIHU LQ RXU IDFLOLW\ RU DURXQG WKH FRPPXQLW\ :LOO \RX KHOS XV DV D GRQRU RU YROXQWHHU IXQGUDLVHU WR HQVXUH WKDW HYHU\RQH FDQ EH D SDUW RI WKH <"

_ -$0$,&$ <0&$ )$// :,17(5


-$0$,&$ < ,1)250$7,21

67$)) /,67,1*

&HGULF 'HZ ([HFXWLYH 'LUHFWRU [ FGHZ#\PFDQ\F RUJ *ORULD ( 0HVVDP 'HYHORSPHQW $VVRFLDWH [ JPHVVDP#\PFDQ\F RUJ 6KHLOD &ODUN +DZNLQV 'LUHFWRU 0HPEHUVKLS +HDOWK\ /LIHVW\OHV [ VFODUNKDZNLQV#\PFDQ\F RUJ (YDURQ 6PLWK )URQW 'HVN 6XSHUYLVRU [ HVPLWK#\PFDQ\F RUJ 1DGLD $UUR\R $TXDWLFV &RRUGLQDWRU [ QDUUR\R#\PFDQ\F RUJ *UHJRU\ 'LFNLQVRQ <RXWK )DPLO\ 'LUHFWRU [ JGLFNLQVRQ#\PFDQ\F RUJ /HQLV 3HUH] 7HHQ &RRUGLQDWRU [ OSHUH]#\PFDQ\F RUJ

6800(5 )$// 6(66,21 5(*,675$7,21 '$7(6

7KRPDV 0F7HUQDQ %XVLQHVV 0DQDJHU [ WPFWHUQDQ#\PFDQ\F RUJ

6(66,21 5(*,675$7,21 '$7(6 0HPEHUV $XJXVW 1RQ 0HPEHUV $XJXVW

1HOVRQ 3HUH] $VVLVWDQW %XVLQHVV 0DQDJHU [ QSHUH]#\PFDQ\F RUJ

6(66,21 '$7(6 6HSWHPEHU 2FWREHU

)UHG 0LGGOHWRQ +RXVLQJ 'LUHFWRU [ IPLGGOHWRQ#\PFDQ\F RUJ

6(66,21 5(*,675$7,21 '$7(6 0HPEHUV 2FWREHU 1RQ 0HPEHUV 2FWREHU

:DUUHQ 6WRUH\ 3URSHUW\ 0DQDJHU [ ZVWRUH\#\PFDQ\F RUJ

6(66,21 '$7(6 2FWREHU 'HFHPEHU

+2856 2) 23(5$7,21 0RQGD\ )ULGD\ 6DWXUGD\ 6XQGD\

:,17(5 6(66,21 5(*,675$7,21 '$7(6

DP SP DP SP DP SP

6(66,21 5(*,675$7,21 '$7(6 0HPEHUV 'HFHPEHU 1RQ 0HPEHUV 'HFHPEHU

+2/,'$< +2856 /DERU 'D\ 0RQGD\ 6HSWHPEHU DP SP

6(66,21 '$7(6 -DQXDU\ )HEUXDU\

7KDQNVJLYLQJ 7KXUVGD\ 1RYHPEHU DP SP &KULVWPDV 'D\ 6XQGD\ 'HFHPEHU &ORVHG

2Q WKHVH KROLGD\V JURXS H[HUFLVH FODVVHV ZLOO QRW EH DYDLODEOH

1RWH 1<& '2( :LQWHU %UHDN )HEUXDU\ WK WR )HEUXDU\ VW

6(66,21 5(*,675$7,21 '$7(6 0HPEHUV )HEUXDU\ 1RQ 0HPEHUV )HEUXDU\ 6(66,21 '$7(6 )HEUXDU\ $SULO 1RWH 1<& '2( :LQWHU %UHDN )HEUXDU\ WK WR )HEUXDU\ VW 6SODVK )UHH <0&$ /LIHJXDUG 0RQGD\ $SULO WK WKURXJK )ULGD\ $SULO WK

&RQWDFW 8V 3KRQH _ (PDLO MDPDLFD#\PFDQ\F RUJ _ :HE \PFDQ\F RUJ MDPDLFD _ IDFHERRN FRP MDPDLFD\PFD

:(//1(66 352*5$06 )$0,/< 352*5$06 <287+ $1' 7((1 352*5$06 0(0%(56+,3 ,1)250$7,21 /2&$7,216

-$0$,&$ <0&$ )$// :,17(5 _


',6&29(5,1* :(//1(66

$'8/7 2/'(5 $'8/7 :(//1(66 352*5$06 +RZ GR \RX GH¾QH ZHOOQHVV" :KDWHYHU \RXU JRDOV WKH < LV UHDG\ WR VXSSRUW \RX RQ \RXU MRXUQH\ WRZDUG LPSURYHG KHDOWK 3/($6( &2168/7 <285 3+<6,&,$1 %()25( 67$57,1* $1 (;(5&,6( 352*5$0 6FKHGXOHV DUH DYDLODEOH DW WKH 0HPEHU 6HUYLFHV 'HVN )LWQHVV 2ULHQWDWLRQ

3HUVRQDO 7UDLQLQJ

1HZ WR WKH <" :H RIIHU D FRPSOLPHQWDU\ ¾WQHVV RULHQWDWLRQ ZLWK RQH RI RXU VWDII IRU DOO QHZ PHPEHUV DV DQ LQWURGXFWLRQ WR RXU FDUGLRYDVFXODU DQG VWUHQJWK WUDLQLQJ HTXLSPHQW $SSRLQWPHQWV FDQ EH VFKHGXOHG DW WKH 0HPEHU 6HUYLFHV 'HVN

/RRNLQJ IRU D QHZ FKDOOHQJH RU QHHG VRPH DGGLWLRQDO PRWLYDWLRQ" $ FHUWL¾HG <0&$ 3HUVRQDO 7UDLQHU FDQ EH MXVW ZKDW \RX QHHG 2XU WUDLQHUV ZLOO HYDOXDWH \RXU KHDOWK KLVWRU\ DQG OLIHVW\OH WR GHVLJQ D SURJUDP WKDW ZLOO VSHFL¾FDOO\ PHHW \RXU QHHGV DQG KHOS \RX DFKLHYH \RXU JRDOV

< 3HUVRQDO )LWQHVV 3URJUDP ,I \RXµYH EHHQ WKLQNLQJ DERXW H[HUFLVLQJ EXW GRQµW NQRZ ZKHUH WR EHJLQ WKH < 3HUVRQDO )LWQHVV 3URJUDP LV IRU \RX ,WµV GHVLJQHG IRU WKRVH QHZ WR H[HUFLVLQJ RU WKRVH ZKR KDYHQµW H[HUFLVHG IRU VRPH WLPH DQG ZDQW LQVWUXFWLRQ VXSSRUW DQG PRWLYDWLRQ 7KH < 3HUVRQDO )LWQHVV 3URJUDP ZLOO KHOS \RX GHYHORS DQG PDLQWDLQ D SK\VLFDOO\ DFWLYH OLIHVW\OH WR PHHW \RXU RZQ SHUVRQDO QHHGV DQG JRDOV 7KH ZHHN SURJUDP LQFOXGHV IRXU VHVVLRQV ZLWK D < 3HUVRQDO )LWQHVV &RDFK 3OHDVH VLJQ XS IRU < 3HUVRQDO )LWQHVV DW RXU 0HPEHUVKLS 'HVN 7KLV SURJUDP LV )5(( IRU DOO <0&$ PHPEHUV

_ -$0$,&$ <0&$ )$// :,17(5

6HVVLRQV 0HPEHU

1RQ 0HPEHU $OO SHUVRQDO WUDLQLQJ VHVVLRQV DUH RQH KRXU LQ OHQJWK 3HUVRQDO 7UDLQLQJ 6HVVLRQ &DQFHOODWLRQV 3ROLFHV $ FOLHQW PD\ FDQFHO GLUHFWO\ ZLWK WKH WUDLQHU ZLWKRXW SHQDOW\ E\ JLYLQJ KRXUV QRWLFH ,I QRWLFH LV QRW JLYHQ ZLWKLQ D KRXU SHULRG WKH FOLHQW ZLOO EH FKDUJHG IRU WKH VHVVLRQ $OO VHVVLRQV DUH YDOLG IRU RQH \HDU IURP GDWH RI SXUFKDVH 2QO\ <0&$ WUDLQLQJ VWDII LV SHUPLWWHG WR FRQGXFW SHUVRQDO WUDLQLQJ VHVVLRQV ZLWKLQ WKH IDFLOLW\


*5283 (;(5&,6( $OO $GXOW ([HUFLVH &ODVVHV DUH )5(( IRU <0&$ PHPEHUV $)<$3 ° $UWKULWLV )RXQGDWLRQ <0&$ $TXDWLFV 3URJUDP ,W LV D VSHFLDOO\ GHVLJQHG H[HUFLVH FODVV WKDW FDQ KHOS WR SURYLGH VRPH UHOLHI &DQ DLG LQ LPSURYLQJ MRLQWV ¿H[LELOLW\ $TXD =XPED ° ,W JLYHV QHZ PHDQLQJ WR WKH LGHD RI DQ LQYLJRUDWLQJ ZRUNRXW 6SODVKLQJ VWUHWFKLQJ WZLVWLQJ HYHQ VKRXWLQJ ODXJKLQJ KRRWLQJ DQG KROOHULQJ DUH RIWHQ KHDUG GXULQJ DQ $TXD =XPED FODVV ,QWHJUDWLQJ WKH =XPED IRUPXOD DQG SKLORVRSK\ ZLWK WUDGLWLRQDO DTXD ¾WQHVV GLVFLSOLQHV WKH $TXD =XPED FODVV EOHQGV LW DOO WRJHWKHU LQWR D VDIH FKDOOHQJLQJ ZDWHU EDVHG ZRUNRXW WKDWµV FDUGLR FRQGLWLRQLQJ ERG\ WRQLQJ DQG PRVW RI DOO H[KLODUDWLQJ EH\RQG EHOLHI %HOO\ 'DQFLQJ ° /HDUQ WKH EDVLF PRYHV RI (J\SWLDQ DUW IRUP ZKLOH DZDNHQLQJ PXVFOHV IRU ERG\ WRQLQJ DQG UHYLWDOL]DWLRQ RI WKH VRXO <RX ZLOO OHDUQ KRZ WR LVRODWH GLIIHUHQW SDUWV RI WKH ERG\ ZKLOH KDYLQJ IXQ

%URDGZD\ 7DS ° 'LG \RX HYHU ZDQW WR OHDUQ KRZ WR WDS GDQFH" 1RZ LV WKH WLPH WR MRLQ LQ RQ WKH IXQ /HDUQLQJ -D]]\ PRYHV DQG ²%URDGZD\³ VW\OH URXWLQHV &DUGLR .LFNER[LQJ ° 7KLV KLJK HQHUJ\ FODVV FRPELQHV PXVFOH FRQGLWLRQLQJ ZLWK NLFNER[LQJ FRPELQDWLRQV RI SXQFKHV DQG NLFNV LQ D YDULHW\ RI GULOOV H[HUFLVHV DQG VHOI GHIHQVH WHFKQLTXHV &RUH 7UDLQLQJ ° 7KLV FODVV IRFXVHV RQ DEGRPLQDO EDFN DQG FRUH PXVFOH WUDLQLQJ DQG VWDELOL]DWLRQ WR LPSURYH WKH ERG\µV RYHUDOO IXQFWLRQDO VWUHQJWK &RUH )XVLRQ ° 7KLV FRUH ZRUNRXW XVHV D VWDELOLW\ EDOO IUHH ZHLJKWV DQG SLODWHV PRYHPHQWV WR WDUJHW DQG WRQH WKH DEGRPLQDO PXVFOH ,W GHYHORSV FRUH VWUHQJWK ZKLOH HQKDQFLQJ VWDELOLW\ ¿H[LELOLW\ DQG EDODQFH

%RG\ &RQGLWLRQLQJ ° &RPELQHV DHURELFV VWUHQJWK WUDLQLQJ DQG ¿H[LELOLW\

'UXPV $OLYH ° ,W LV XQLTXH DQG GLIIHUHQW IURP HYHU\ RWKHU ZRUNRXW \RXµYH WULHG EHIRUH ° LW FDSWXUHV WKH HVVHQFH RI PRYHPHQW UK\WKP DQG FRPELQHV LW ZLWK IXQ DQG GHOLYHUV UHDO ¾WQHVV UHVXOWV 'UXPV $OLYH FKRUHRJUDSK\ LV GHVLJQHG WR EXUQ IDW LPSURYH SK\VLFDO DQG PHQWDO ¾WQHVV DQG DERYH DOO EH IXQ ,W LV D JUHDW IDPLO\ DFWLYLW\

%RRWFDPS ° $Q HI¾FLHQW FLUFXLW WUDLQLQJ ZRUNRXW WKDW FKDOOHQJHV \RXU HQWLUH ERG\ XWLOL]LQJ FDOLVWKHQLFV VXFK DV SXVKXSV MXPSLQJ MDFNV FUXQFKHV DQG RWKHU ERG\ ZHLJKW H[HUFLVHV

*RVSHO 5RFN ° ,W LV D &KULVWLDQ H[SUHVVLRQ RI SUD\HU RU ZRUVKLS WKURXJK ERG\ PRYHPHQW 7KH GDQFHUV ZLOO UHVSRQG ZLWK DQ DSSURSULDWH GDQFH ZKLFK ¿RZV RXW RI WKH PXVLF DQG HQKDFHV WKH SUD\HU RU ZRUVKLS H[SHULHQFH +LS +RS 'DQFH ° <RX FDQ OHDUQ WKH ODWHVW PRYHV ZKLOH JHWWLQJ ¾W

-$0$,&$ <0&$ )$// :,17(5 _


*5283 (;(5&,6( &21¶7 $OO $GXOW ([HUFLVH &ODVVHV DUH )5(( IRU <0&$ PHPEHUV

6SLQQLQJ ° (QMR\ WKLV DOO OHYHOV JURXS F\FOLQJ FODVV 6SLQ \RXU ZD\ WR D VOLPPHU KHDOWKLHU ERG\

7DL &KL &KXDQ ° $Q DQFLHQW &KLQHVH 0DUWLDO H[HUFLVHV WKDW LV +DWKD <RJD ° $ SK\VLFDO DSSURDFK WR WKH \RJD SUDFWLFH SHUIRUPHG LQ VORZ PRWLRQ WR GHYHORS LQQHU VWUHQJWK HQHUJ\ FRQQHFWLQJ SRVWXUHV PRYHPHQWV DQG EUHDWKLQJ ZKLFK LPSURYH DQG EDODQFH ,QVWUXPHQWDO LQ DOOHYLDWLQJ V\PSWRPV DQG RU VWUHQJWK ¿H[LELOLW\ WRQLQJ GHFUHDVHV VWUHVV DQG HQKDQFHV HOLPLQDWLQJ FHUWDLQ FKURQLF IXQFWLRQDO GLVRUGHUV VXFK DV ERG\ DZDUHQHVV &ODVV LV RSHQ WR DOO GLDEHWHV EORRG SUHVVXUH DUWKULWLV DVWKPD HWF ,QVDQLW\ ° ,QVDQLW\ LV D KLJK LQWHQVLW\ WRWDO ERG\ :DON 5XQ &OXE ° 2SHQ J\P IRU ZDONLQJ DQG UXQQLQJ FRQGLWLRQLQJ ,W EXLOGV OHDQ PXVFOH DQG XSSHU ERG\ RQ \RXU RZQ GH¾QLWLRQ ZLWK VWUHQJWK WUDLQLQJ DQG SRZHU PRYHV *UHDW IRU LQWHUPHGLDWH DQG DGYDQFHG ¾WQHVV HQWKXVLDLVWV :DWHU $HURELFV ° 'HVLJQHG WR WRQH PXVFOHV DQG LQFUHDVH FDUGLRYDVFXODU FLUFXODWLRQ &ODVV LV FRQGXFWHG LQ ZDLVW KLJK .HWWOHEHOO ° 7KLV LV D WRWDO ERG\ ZRUNRXW WKDW EOHQGV KLJKO\ ZDWHU HIIHFWLYH WHFKQLTXHV IRU LPSURYLQJ PXVFXODU HQGXUDQFH WRWDO <RJDODWHV ° )XVLRQ RI <RJD DQG 3LODWHV FRUH VWDELOL]LQJ ERG\ FRRUGLQDWHG PRYHPHQWV DQG FDUGLRYDVFXODU SRVWXUH ZKLOH HQKDQFLQJ \RXU VWUHQJWK VWDPLQD ¿H[LELOLW\ FRQGLWLRQLQJ (DFK PRYHPHQW DQG SURJUHVVLRQ LV WDXJKW ZLWK EDODQFH DQG PHQWDO FODULW\ DQ HPSKDVLV RQ VDIHW\ KLJKOLJKWLQJ HVVHQWLDO ERG\ DOLJQPHQW 7DNH \RXU ERG\ WR WKH QH[W OHYHO ZLWK .HWWOHEHOO WUDLQLQJ .LFNER[LQJ ° $Q LQWHQVH IXOO ERG\ FRQGLWLRQLQJ XWLOL]LQJ LQWHUYDO WUDLQLQJ WHFKQLTXHV ZKLFK KDV EHHQ SURYHQ WR VLJQL¾FDQWO\ LPSURYH HQGXUDQFH VWDPLQD VSHHG DJLOLW\ PXVFOH WRQH ZHLJKW ORVV &ODVV FRPELQHV NLFNV DQG SXQFKHV ZKLOH XVLQJ ER[LQJ JORYHV DQG D KHDY\ EDJ 7KH EDJ FUHDWHV UHVLVWDQFH WR KHOS EXUQ IDW DQG VKDSH \RXU ERG\ /RZ ,PSDFW ° $ IUHHVW\OH ZRUNRXW JHDUHG WRZDUGV WKH LQIUHTXHQW H[HUFLVHU ROGHU DQG EHJLQQHU

_ -$0$,&$ <0&$ )$// :,17(5

=XPED ° )XVHV +\SQRWLF /DWLQ UK\WKPV DQG HDV\ WR IROORZ PRYHV OLNH PHULQJXH VDOVD FXPELD UHJJDHWRQ EHOO\ GDQFH ¿DPHQFR WDQJR DQG PRUH 9HU\ KLJK HQHUJ\ DQG )XQ =XPED *ROG ° ,W LV D VSHFLDOW\ FODVV GHVLJQHG WR PHHW WKH DQDWRPLFDO SK\VLRORJLFDO DQG SV\FKRORJLFDO QHHGV RI WKH DJLQJ SRSXODWLRQ /LNH WKH WUDGLWLRQDO /DWLQ LQVSLUHG =XPED ZRUNRXW WKH =XPED *ROG ZRUNRXW LQFRUSRUDWHV PDQ\ RI WKH GDQFH ¾WQHVV URXWLQHV VHW WR /DWLQ DQG LQWHUQDWLRQDO UK\WKPV EXW LV SHUIRUPHG DW D ORZHU LQWHQVLW\


*5283 (;(5&,6( &21¶7 6LOYHU6QHDNHUV &LUFXLW ° &RPELQH IXQ ZLWK ¾WQHVV WR LQFUHDVH \RXU FDUGLRYDVFXODU DQG PXVFXODU HQGXUDQFH SRZHU ZLWK D VWDQGLQJ FLUFXLW ZRUNRXW 8SSHU ERG\ VWUHQJWK ZRUN ZLWK KDQG KHOG ZHLJKWV HODVWLF WXELQJ ZLWK KDQGOHV DQG EDOO LV DOWHUQDWHG ZLWK QRQ LPSDFW DHURELF FKRUHRJUDSK\ $ FKDLU LV RIIHUHG IRU VXSSRUW VWUHWFKLQJ DQG UHOD[DWLRQ H[HUFLVHV

6HOI 'HIHQVH ° 7KLV SURJUDP LQWURGXFHV SDUWLFLSDQWV WR WKH EDVLFV RI VHOI GHIHQVH 6WXGHQWV OHDUQ EDVLF YHUEDO DQG SK\VLFDO VWUDWHJLHV IRU GHDOLQJ ZLWK FRQIURQWDWLRQV 2XU SURJUDP WHDFKHV WKH VWXGHQW KRZ WR PDLQWDLQ VLWXDWLRQDO DZDUHQHVV DV ZHOO DV UHDG ERG\ ODQJXDJH WKDW ZLOO KHOS WKH SHUVRQ SUHSDUH IRU RU DYRLG D SK\VLFDO HQFRXQWHU 6LOYHU6QHDNHUV &DUGLR ° *HW 8S *R ZLWK DQ DHURELFV FODVV <RX ZLOO DOVR EH WDXJKW LQWXLWLYH WHFKQLTXHV WKDW DUH VLPSOH IRU \RX ° VDIH KHDUW KHDOWK\ DQG JHQWOH RQ WKH MRLQWV 7KH DQG KLJKO\ HIIHFWLYH RXU SURJUDP LVQµW MXVW IRU WKH \RXQJ DQG ZRUNRXW LQFOXGHV HDV\ WR IROORZ ORZ LPSDFW PRYHPHQW DQG ¾W LW LV IRU SHRSOH RI DQ\ ¾WQHVV OHYHO XSSHU ERG\ VWUHQJWK DEGRPLQDO FRQGLWLRQLQJ VWUHWFKLQJ DQG 2SHQ WR ZRPHQ PHQ DQG WHHQ UHOD[DWLRQ H[HUFLVHV GHVLJQHG WR HQHUJL]H \RXU DFWLYH OLIHVW\OH &ODVV VL]H LV OLPLWHG DQG VWXGHQWV KDYH RSSRUWXQLWLHV WR 6LOYHU6QHDNHUV &ODVVLF 0RYH ° WKURXJK D YDULHW\ RI SUDFWLFH XVH RI SK\VLFDO DQG YHUEDO VNLOOV LQ GULOOV DQG VLPXODWHG H[HUFLVHV GHVLJQHG WR LQFUHDVH PXVFXODU VWUHQJWK UDQJH RI DWWDFN VFHQDULRV ZLWK DQ LQVWUXFWRU PRYHPHQW DQG VNLOOV UHTXLUHG GXULQJ DFWLYLWLHV IRU GDLO\ OLYLQJ 0HPEHU $'/V +DQG KHOG ZHLJKWV HODVWLF WXELQJ ZLWK KDQGOHV DQG D 3URJUDP 0HPEHU EDOO DUH RIIHUHG IRU UHVLVWDQFH DQG D FKDLU LV XVHG IRU VHDWHG DQG RU VWDQGLQJ VXSSRUW 6DIHW\ 7LSV 6XJJHVWLRQV

6LOYHU6QHDNHUV 6SODVK ° $FWLYDWH \RXU DTXD H[HUFLVH XUJH IRU YDULHW\ 6LOYHU6SODVK RIIHUV /276 RI IXQ DQG VKDOORZ ZDWHU PRYHV WR LPSURYH DJLOLW\ ¿H[LELOLW\ DQG FDUGLRYDVFXODU HQGXUDQFH 1R VZLPPLQJ DELLW\ LV UHTXLUHG DQG D VSHFLDO 6OLYHU6QHDNHUV NLFNERDUG LV XVHG WR GHYHORS VWUHQJWK EDODQFH DQG FRRUGLQDWLRQ 6LOYHU6QHDNHUV <RJD ° :LOO PRYH \RXU ZKROH ERG\ WKURXJK D FRPSOHWH VHULHV RI VHDWHG DQG VWDQGLQJ \RJD SRVHV &KDLU VXSSRUW LV RIIHUHG WR VDIHO\ SHUIRUP D YDULHW\ RI SRVWXUHV GHVLJQHG WR LQFUHDVH ¿H[LELOLW\ EDODQFH DQG UDQJH RI PRYHPHQW 5HVWRUDWLYH EUHDWKLQJ H[HUFLVHV DQG D ¾QDO UHOD[DWLRQ ZLOO SURPRWH VWUHVV UHGXFWLRQ DQG PHQWDO FODULW\

$'',7,21$/ ),71(66 237,216 .DUDWH 6HLGR ° 3K\VLFDO FRQGLWLRQLQJ PHQWDO DZDUHQHVV DQG VHOI GHIHQVH VWUDWHJLHV 6WXGHQWV ZLOO OHDUQ WR GHYHORS VSHHG SRZHU IRFXV DQG EDODQFH /RFDWLRQ 0LOOV *<0 )ULGD\ SP /RFDWLRQ 0DLQ *<0 6DWXUGD\ DP 0HPEHUV '$<6 '$<6 3URJUDP 0HPEHUV '$<6 '$<6

<RXWK DJHV DQG XS DUH SHUPLWWHG WR MRLQ WKH FODVVHV ,QWURGXFH \RXUVHOI WR WKH LQVWUXFWRU EHIRUH FODVV $GYLVH WKH LQVWUXFWRU LI \RX KDYH VSHFL¾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

%R[LQJ ° 7KH ER[LQJ URRP LV HTXLSSHG ZLWK D VSHHG DQG D KHDY\ EDJ %RWK DUH UHDGLO\ DYDLODEOH H[FHSW ZKHQ JURXS DFWLYLW\ FODVVHV DUH LQ VHVVLRQ *ORYHV DUH DYDLODEOH EXW LW LV UHFRPPHQGHG WR EULQJ \RXU RZQ /RFDWLRQ 5LJKW RXWVLGH WKH EDFN RI PDLQ J\P

-$0$,&$ <0&$ )$// :,17(5 _


3/$< 72*(7+(5

)$0,/< ($5/< &+,/'+22' 352*5$06

7KH -DPDLFD <0&$ FUHDWHV PHDQLQJIXO H[SHULHQFHV IRU HYHU\ PHPEHU RI \RXU IDPLO\ (QMR\ ORZHU UDWHV RQ DOO \RXWK SURJUDPV DQG DFWLYLWLHV DQG DFFHVV WR IUHH VSHFLDO HYHQWV ZLWK D IDPLO\ PHPEHUVKLS )DPLO\ IXQ IRU HYHU\RQH 3URJUDPV IROORZ WKH <0&$¶V ZHHN VHVVLRQ VFKHGXOH XQOHVV RWKHUZLVH QRWHG 6FKHGXOHV DUH DYDLODEOH DW WKH 0HPEHU 6HUYLFH 'HVN RU RXU ZHEVLWH \PFDQ\F MDPDLFD

$48$7,&6 352*5$06

)RU PRUH LQIRUPDWLRQ DERXW RXU $TXDWLFV SURJUDP SOHDVH FRQWDFW 1DGLD $UUR\R DW RU QDUU\R#\PFDQ\F RUJ

3DUHQW DQG &KLOG PRQWKV 7KH SULPDU\ REMHFWLYH LV WR JHW ERWK SDUHQW DQG FKLOG FRPIRUWDEOH ZKLOH LQ WKH ZDWHU &ODVV LV GHVLJQHG WR DOORZ WKH FKLOG WR KDYH IXQ LQ WKH ZDWHU ZKLOH SDUHQW JXLGH KLP RU KHU WR OHDUQ DTXDWLF VNLOOV 7KH FKLOG ZLOO EH H[SRVHG WR JDPHV WKDW XVH EDVLF PRYHPHQWV LQ WKH ZDWHU VXFK DV NLFNLQJ DUP VWURNH DQG EUHDWK FRQWURO 0HPEHUV 3URJUDP 0HPEHUV

3LNHV DQG (HOV $JHV

7KLV FODVV LV IRU FKLOGUHQ ZKR DUH QRQ VZLPPHUV 6WXGHQWV OHDUQ SURJUHVVLYH LQGHSHQGHQW VZLPPLQJ ZLWK WKH DVVLVWDQFH RI DQ LQVWUXFWRU 7KH\ DUH WDXJKW WR EORZ EXEEOHV IDFH GLSV DQG FRRUGLQDWHG DUP DQG OHJ PRWLRQV 0HPEHUV 3URJUDP 0HPEHUV

5D\V $JHV 7KLV LV DQ LQWHUPHGLDWH OHYHO FODVV WKDW IRFXVHV RQ LQGHSHQGHQW VZLPPLQJ 5D\V VKRXOG EH DEOH WR SXW WKHLU IDFHV LQ ZDWHU DQG VZLP IHHW RQ WKHLU IURQW XQDVVLVWHG 0HPEHUV 3URJUDP 0HPEHUV

6WDU )LVK $JHV &KLOGUHQ DW WKLV OHYHO UHYLHZ SUHYLRXVO\ OHDUQHG VNLOOV DQG UH¾QH WKHLU VWURNHV DV ZHOO DV WKHLU SHUVRQDO VDIHW\ UHVFXH DQG ¿RDWLQJ VNLOOV 7KH\ DOVR OHDUQ XQGHUZDWHU VZLPPLQJ VNLOOV &KLOGUHQ FDQ VZLP D OHQJWK RI WKH SRRO RQ WKHLU IURQW DQG EDFN DW WKH HQG RI WKLV OHYHO 0HPEHUV 3URJUDP 0HPEHUV

_ -$0$,&$ <0&$ )$// :,17(5

3ULYDWH 6ZLPPLQJ /HVVRQV $OO SULYDWH VZLP OHVVRQV DUH YDOLG RQH \HDU IURP GDWH RI SXUFKDVH 3DFNDJHV DUH DYDLODEOH 0HPEHUV 3URJUDP 0HPEHUV KRXUV OHVVRQ KRXUV OHVVRQV KRXU OHVVRQ KRXU OHVVRQ

632576

&KLOGUHQ .DUDWH $JHV ° 6HLGR .DUDWH HPSKDVL]HV EXLOGLQJ VSLULW PLQG DQG ERG\ ZKLOH XVLQJ KDQG HOERZ DQG IRRW WHFKQLTXHV WR WHDFK FKLOGUHQ KRZ WR GHIHQG WKHPVHOYHV ,Q D VDIH DQG IULHQGO\ DWPRVSKHUH FKLOGUHQ OHDUQ UHVSRQVLELOLW\ WKURXJK 6HLGR .DUDWH SUDFWLFHV 6DWXUGD\ DP 0HPEHUV 3URJUDP 0HPEHUV

&UHDWLYH %DOOHW $JHV ° &RPER %DOOHW $ IXQ FUHDWLYH ZD\ IRU FKLOGUHQ WR H[SORUH GDQFH 6DWXUGD\ SP 0HPEHUV 3URJUDP 0HPEHUV

1<55 0LJKW\ 0LOHUV $JHV 0LJKW\ 0LOHUV LV D UXQQLQJ SURJUDP IRU NLGV RI DOO ¾WQHVV OHYHOV ,W LV GHVLJQHG WR JHW NLGV PRYLQJ DQG SUHYHQW REHVLW\ DQG LOOQHVV ,W KHOSV GHYHORS JRRG ¾WQHVV KDELW UHOHDVH HQHUJ\ FRQVWUXFWLYHO\ DQG WHDFKHV WKH IXQGDPHQWDO RI UXQQLQJ LQ D IXQ HQYLRUQPHQW /RFDWLRQ 0LOOV *<0 6DWXUGD\ SP 0HPEHUV )5(( 3URJUDP 0HPEHUV


)$0,/< $&7,9,7,(6

)$0,/< (9(176

6DWXUGD\ SP 0HPEHUV )5(( 3URJUDP 0HPEHUV

2FWREHU WK SP 6XJJHVWHG GRQDWLRQ LQ DGYDQFH DW WKH GRRU ZHDU SLQN

$UWV DQG &UDIWV $JHV XQGHU 7KLV FODVV FRPELQHV HQYLURQPHQWDO DZDUHQHVV ZLWK FUHDWLYLW\ RI DUWV DQG FUDIWV E\ XVLQJ UHF\FODEOH ERWWOHV FDQV QHZVSDSHUV FDUGERDUG DQG RWKHU UHF\FODEOH LWHPV WR PDNH EHDXWLIXO ZRUNV RI DUW <RXU FKLOG FDQ KHOS VDYH WKH SODQHW DQG KDYH IXQ ZKLOH PDNLQJ D YDULHW\ RI GLIIHUHQW SURMHFWV

'UXPV $OLYH $JHV XS ,V XQLTXH DQG GLIIHUHQW IURP HYHU\ RWKHU ZRUNRXW \RXµYH WULHG EHIRUH ° LW FDSWXUHV WKH HVVHQFH RI PRYHPHQW UK\WKP DQG FRPELQHV LW ZLWK IXQ DQG GHOLYHUV UHDO ¾WQHVV UHVXOWV 'UXPV $OLYH FKRUHRJUDSK\ LV GHVLJQHG WR EXUQ IDW LPSURYH SK\VLFDO DQG PHQWDO ¾WQHVV DQG DERYH DOO EH IXQ ,W LV D JUHDW IDPLO\ DFWLYLW\ )DPLO\ 5HFUHDWLRQDO 6ZLP &KHFN SRRO VFKHGXOH IRU XSGDWH WR GD\V DQG WLPHV 6XSHUYLVHG UHFUHDWLRQDO VZLP IRU IDPLOLHV SURPLVHV VFKHGXOHG IXQ $ <0&$ PHPEHU PXVW DFFRPSDQ\ FKLOGUHQ LQWR WKH SRRO 6ZLP FDSV DUH UHTXULHG DW DOO WLPHV <0&$ 0HPEHUV )5(( 3URJUDP $GXOW 0HPEHUV *XHVW SDVV IHH

3URJUDP &KLOG 0HPEHUV *XHVW SDVV IHH

. :DON 5XQ &OXE (QMR\ TXDOLW\ WLPH ZLWK \RXU FKLOGUHQ ZKLOH ZDONLQJ RU UXQQLQJ LQ RXU PDLQ J\P $GGLWLRQDOO\ LPSURYH \RXU FDUGLR YDVFXODU ¾WQHVV DQG EXUQ FDORULHV 2XWVLGH ZDONV DQG SDUWLFLSDWLRQ LQ FKDULWDEOH ZDONLQJ HYHQWV OLNH WKH 06 %UHDVW &DQFHU $O]KHPLHUµV DQG $UWKULWLV HWF )URP WLPH WR WLPH WKH :DON 5XQ &OXE ZLOO RUJDQL]H GD\ WULSV 7KH J\P LV DYDLODEOH IRU :DON 5XQ RQ 0RQGD\ DQG :HGQHVGD\ SP <0&$ 0HPEHUV )5(( 3URJUDP 0HPEHUV *XHVW SDVV IHH

3ULRU UHJLVWUDWLRQ LV UHFRPPHQGHG IRU DOO HYHQWV 3OHDVH VHH WKH 0HPEHU 6HUYLFH 'HVN IRU PRUH LQIRUPDWLRQ 3UHWW\ 3LQN 3DUW\ $JHV XS

6XSSRUWLQJ 0DNLQJ 6WULGHV $JDLQVW %UHDVW &DQFHU LQ FRQMXFWLRQ ZLWK WKH $PHULFDQ &DQFHU 6RFLHW\

+DUYHVW 3DUW\ &HOHEUDWH WKH FKDQJLQJ RI WKH VHDVRQV )DOO LQWR IXQ DQG MRLQ XV IRU RXU DQQXDO KDUYHVW SDUW\ )LOO RI JDPHV FUDIWV JLYHDZD\V DQG UHIUHVKPHQWV 2FWREHU WK SP )UHH IRU PHPEHUV DQG SURJUDP PHPEHUV

7KDQNVJLYLQJ )HOORZVKLS 3RWOXFN ,WµV WLPH IRU PHPEHUV WR VKDUH DQG KDYH IXQ WRJHWKHU 3OHDVH EULQJ D GLVK WR VKDUH IRU DERXW WR SHRSOH 6HH \RXU LQVWUXFWRUV IRU PRUH GHWDLOV 1RYHPEHU WK SP SP )UHH IRU PHPEHUV DQG SURJUDP PHPEHUV

+ROLGD\ 3DUW\ 0HPEHU 6KRZFDVH &HOHEUDWH WKH KROLGD\ VHDVRQ ZLWK \RXU IULHQGV DW WKH -DPDLFD <0&$ &RPH WR HQMR\ UHIUHVKPHQWV DQG EH VXSSRUWLYH RI RXU PHPEHUVµ VKRZFDVH *XHVWV DUH LQYLWHG WR EH D SDUW RI WKH IHVWLYLW\ 'HFHPEHU WK SP SP )UHH IRU PHPEHUV DQG SURJUDP PHPEHUV 3OV 5693

6DQWD &ODXV FRPHV WR -DPDLFD <0&$ $JHV XQGHU (YHU\ \HDU WKH -DPDLFD <0&$ SURYLGHV D JLIW JLYLQJ H[SHULHQFH WR KHOS SXW D VPLOH RQ WKH IDFHV RI RXU FKLOGUHQ 0HPEHUV FDQ GRQDWH DQ XQRSHQHG WR\ WR KHOS SURYLGH JLIWV IRU DOO RI RXU FKLOGUHQ 'RQDWLRQV ZLOO EH DFFHSWHG IURP 1RYHPEHU VW WKURXJK 'HFHPEHU WK 'HFHPEHU WK DP SP )UHH IRU PHPEHUV DQG SURJUDP PHPEHUV

-$0$,&$ <0&$ )$// :,17(5 _


< 3(5621$/

),71(66 285 *2$/ ,6 72 +(/3 <28 5($&+ <2856 7KH < 3HUVRQDO )LWQHVV SURJUDP LV )5(( ZLWK PHPEHUVKLS 7R VFKHGXOH DQ DSSRLQWPHQW VSHDN WR D UHSUHVHQWDWLYH DW WKH 0HPEHU 6HUYLFH 'HVN

21/,1( 5(*,675$7,21 LV

60$57(5 67521*(5

)$67(5 -XVW OLNH <28

7DNH D ORRN DW RXU QHZ ZHEVLWH DQG JHW DFTXDLQWHG ZLWK RXU 21/,1( 5(*,675$7,21 %\ ORJJLQJ RQ WR RXU ZHEVLWH \RX ZLOO EH DEOH WR ¾QG DOO ZH RIIHU E\ D FOLFN RI D EXWWRQ

\PFDQ\F RUJ MDPDLFD _ -$0$,&$ <0&$ )$// :,17(5


*52:,1* 67521*

<287+ $1' 7((1 352*5$06 7KH -DPDLFD <0&$ SURYLGHV DIWHU VFKRRO GD\ DQG ZHHNHQG SURJUDPPLQJ IRU \RXWKV DJHV WR \HDUV :H RIIHU D KRVW RI SURJUDPV WKDW SURPRWH KHDOWK\ VSLULW PLQG DQG ERG\ WKURXJK LQWHOOHFWXDO VRFLDO DQG UHFUHDWLRQDO DFWLYLWLHV 7KH SURJUDPPLQJ REMHFWLYH LV WR SURYLGH WRROV DQG UHVRXUFHV WKDW HQKDQFH FKLOGUHQ¶V LQGLYLGXDO VNLOOV DQG WDOHQWV DV ZHOO DV WHDFK \RXQJ SHRSOH FXOWXUDO GLYHUVLW\ DQG XQGHUVWDQGLQJ RI DOO SHRSOH 7KH <0&$ LV D VDIH KDYHQ IRU DOO \RXWK 6HH WKH IURQW GHVN IRU FRPSOHWH VFKHGXOH

632576 %DVNHWEDOO

/HDUQ DQG PDVWHU WKH EDVLFV RI SDVVLQJ GULEEOLQJ DQG VKRRWLQJ 3UDFWLFH \RXU RIIHQVH DQG GHIHQVH LQ IXQ VFULPPDJHV /RFDWLRQ 0DLQ *<0 7XHVGD\ SP $JHV 6DWXUGD\ SP $JHV SP $JHV 0HPEHUV )5(( 3URJUDP 0HPEHUV

6HPL 3ULYDWH %DVNHWEDOO &OLQLF 7KLV LV D SURJUDP IRU SDUWLFLSDQWV ,W WHDFKHV WKH IXQGDPHQWDOV RI WKH EDVNHWEDOO ZLWK HPSKDVLV RQ SHUVRQDO JURZWK YDOXHG GLVFXVVLRQ DQG IDPLO\ LQYROYHPHQW 1R ([SHULHQFH 1HFHVVDU\ /RFDWLRQ 0DLQ *<0 7XHVGD\ SP $JHV

0HPEHUV 3URJUDP 0HPEHUV 2SHQ LV DYDLODEOH 3OHDVH VHH PHPEHU VHUYLFHV IRU EDVNHWEDOO VFKHGXOH

6RFFHU *HW WKH EDOO UROOLQJ GHYHORS DQG LPSURYH \RXU VNLOOV WKURXJK HQJDJLQJ ZDUP XSV DFWLYLWLHV DQG JDPHV DOO ZKLOH KDYLQJ IXQ /RFDWLRQ 0DLQ *<0 6DWXUGD\ SP $JHV /RFDWLRQ 0LOOV *<0 6DWXUGD\ SP $JHV 0HPEHUV )5(( 3URJUDP 0HPEHUV

6HOI GHIHQVH $JHV

7KLV SURJUDP LQWURGXFHV SDUWLFLSDQWV WR WKH EDVLFV RI VHOI GHIHQVH 6WXGHQWV OHDUQ EDVLF YHUEDO DQG SK\VLFDO VWUDWHJLHV IRU GHDOLQJ ZLWK FRQIURQWDWLRQV 2XU SURJUDP WHDFKHV WKH VWXGHQW KRZ WR PDLQWDLQ VLWXDWLRQDO DZDUHQHVV DV ZHOO DV UHDG ERG\ ODQJXDJH WKDW ZLOO KHOS WKH SHUVRQ SUHSDUH IRU RU DYRLG D SK\VLFDO HQFRXQWHU <RX ZLOO DOVR EH WDXJKW LQWXLWLYH WHFKQLTXHV WKDW DUH VLPSOH DQG KLJKO\ HIIHFWLYH RXU SURJUDP LVQµW MXVW IRU WKH \RXQJ DQG ¾W LW LV IRU SHRSOH RI DQ\ ¾WQHVV OHYHO &ODVV VL]H LV OLPLWHG DQG VWXGHQWV KDYH RSSRUWXQLWLHV WR SUDFWLFH XVH RI SK\VLFDO DQG YHUEDO VNLOOV LQ GULOOV DQG VLPXODWHG DWWDFN VFHQDULRV ZLWK LQVWUXFWRU 0HPEHUV 3URJUDP 0HPEHUV

.DUDWH /HDUQ EDVLF SXQFKHV VWULNHV EORFNV DQG NLFNV ZKLOH JDLQLQJ IRFXV VWUHQJWK DQG FRRUGLQDWLRQ .DUDWH DW WKH < LV DOO DERXW WHDPZRUN UHVSHFW DQG SDWLHQFH QRW FRPEDW RU YLROHQFH /RFDWLRQ 0DLQ *<0 7XHVGD\ SP $JHV

7KXUVGD\ SP $JHV

\HDU ROGV

/RFDWLRQ 0LOOV *<0 7XHVGD\ SP

$OO <RXWK

/RFDWLRQ 0DLQ *<0 6DWXUGD\ DP $JHV

SP $JHV

0HPEHUV '$<6 '$<6 3URJUDP 0HPEHUV '$<6 '$<6

-$0$,&$ <0&$ )$// :,17(5 _


/(,685( $&7,9,7,(6

'$1&( 352*5$0 )25 $*(6

/HDUQ D JDPH \RX FDQ SOD\ IRU OLIH DQG SUDFWLFH EDVLF VWUDWHJLHV ZLWK RWKHU SOD\HUV

3DUWLFLSDQWV ZLOO OHDUQ LQWURGXFWRU\ DQG WUDGLWLRQDO EHOO\ GDQFLQJ PRYHPHQWV 7KH PRYHPHQWV ZLOO EH EXLOW LQWR D FKRUHJUDSKHG URXWLQH ,W LV D JUHDW ZD\ WR EXLOG VHOI FRQ¾GHQFH EDODQFH DQG FRRUGLQDWLRQ 1R SUHYLRXV EHOO\ GDQFH H[SHULHQFH UHTXLUHG 7KH LQVWUXFWRU ZDV IHDWXUHG RQ ²$PHULFDµV *RW 7DOHQW³

&KHVV

/RFDWLRQ %RDUGURRP QG ¿RRU 6DWXUGD\ SP $JHV 0HPEHUV )5(( 3URJUDP 0HPEHUV

&URFKHWLQJ .QLWWLQJ /RRNLQJ IRU D QHZ KREE\ RU WR DGYDQFH \RXU VNLOOV" %HJLQQHUV ZLOO OHDUQ KRZ WR FDVW RQ NQLW SXUO LQFUHDVH GHFUHDVH DQG VHZ <RX ZLOO EH LQWURGXFHG WR NQLWWLQJ E\ VWDUWLQJ D EDVLF SURMHFW KDW VFDUI KDQGEDJ HWF 3DUWLFLSDQWV PD\ EULQJ WKHLU FXUUHQW SURMHFW RU EHJLQ D QHZ SURMHFW $ JUHDW ZD\ WR PDNH KROLGD\ JLIWV ZLWK ORYH /RFDWLRQ %RDUGURRP QG ¿RRU 7XHVGD\ SP $JHV XS

0HPEHUV )5(( PDWHULDO IHH RI PD\ DSSO\

3URJUDP 0HPEHUV PDWHULDO IHH RI PD\ DSSO\

6HZLQJ /HDUQ KRZ WR EH FUHDWLYH ZLWKRXW VSHQGLQJ D ORW RI PRQH\ 6HZLQJ FODVV ZLOO WHDFK \RX WKH EDVLFV RI KRZ WR VHZ IURP WKUHDGLQJ VWLWFKLQJ DQG VHWWLQJ D VHZLQJ PDFKLQH IRU GLIIHUHQW IHDWXUHV 6WHS E\ VWHS WKH LQVWUXFWRU ZLOO LQWURGXFH \RX KRZ WR UHDG D SDWWHUQ FXWWLQJ DQG SLHFLQJ 1R VHZLQJ H[SHULHQFH QHFHVVDU\ +RPHZRUN PD\ EH UHTXLUHG WR FRPSOHWH WKH SURMHFW /RFDWLRQ %RDUGURRP QG ¿RRU 7XHVGD\ SP $JHV XS :HGQHVGD\ SP $JHV XS

0HPEHUV PDWHULDO IHH RI PD\ DSSO\ 3URJUDP 0HPEHUV PDWHULDO IHH RI PD\ DSSO\

<287+ :(//1(66

+HDOWK\ .LGV UG WK WK *UDGHUV 2QO\

7KLV SURJUDP LV GHVLJHQG WR DGGUHVV WKH PDQ\ KHDOWK FRQFHUQV WKDW LPSDFW GHYHORSPHQW RI RXU \RXWK 7KH SURJUDP HQJDJHV \RXWK LQ IXQ DFWLYLWLHV WKDW UHGXFH SRWHQWLDO KHDWK ULVNV DQG SURPRWH KHDOWK\ KDELWV IRU OLIH 3K\VLFDO DFWLYLW\ KHDOWK\ HDWLQJ DQG EXLOGLQJ SRVLWLYH UHODWLRQVKLSV DUH WKH SUHPLHUH IRFXV 3UH UHJLVWUDWLRQ LV UHTXLUHG 0HPEHUV RQO\ /RFDWLRQ )LWQHVV &HQWHU 7KXUVGD\ SP 6DWXUGD\ SP 0HPEHUV RQO\

_ -$0$,&$ <0&$ )$// :,17(5

%HOO\ 'DQFLQJ

/RFDWLRQ )LWQHVV 6WXGLR UG ¿RRU 7KXUVGD\ SP 0HPEHUV 3URJUDP 0HPEHUV

&ODVVLFDO %DOOHW 6WXG\LQJ EDOOHW LV RQH RI WKH PRVW HIIHFWLYH DQG HOHJDQW ZD\V RI LPSURYLQJ SRVWXUH JUDFH ¿H[LELOLW\ DQG VWUHQJWK 1R H[SHULHQFH QHHGHG 6WXGHQWV DUH WDXJKW DW WKH EDU /HDUQLQJ EDOOHW LV D VROLG IRXQGDWLRQ IRU DOO RWKHU GDQFH VW\OHV /RFDWLRQ )LWQHVV 6WXGLR UG ¿RRU :HGQHVGD\ SP 0HPEHUV 3URJUDP 0HPEHUV

0RGHUQ 'DQFH $ PRUH UHOD[HG IUHH VW\OH RI GDQFH XWLOL]LQJ HPRWLRQV DQG PRRGV WR GHVLJQ LQGLYLGXDO VWHSV DQG PRYHPHQWV ,W IHDWXUHV GHOLEHUDWH XVH RI JUDYLW\ ZKLFK VWULYHV WR EH OLJKW DQG DLU\ /RFDWLRQ )LWQHVV 6WXGLR UG ¿RRU 6DWXUGD\ SP

7DS /HDUQ WR WDS GDQFH LQ WKLV FODVV WKDW WHDFKHV PXVLFDO SKUDVLQJ DQG WKH FRPSOH[LW\ RI UK\WKPV ZLWK OHVV HPSKDVLV RQ YLVXDO LPSDFW DQG PRUH HPSKDVLV RQ ²PDNLQJ PHORGLHV³ ZLWK WKH IHHW 7DS LV W\SLFDOO\ GDQFHG WR MD]] VW\OH PXVLF VXFK DV 6ZLQJ %LJ %DQG %HERS )XQN DQG /DWLQ /RFDWLRQ )LWQHVV 6WXGLR UG ¿RRU 6DWXGD\ SP 0HPEHUV 3URJUDP 0HPEHUV

8UEDQ 'DQFH 'DQFH OLNH \RXU IDYRULWH SRS VWDUV ,Q WKLV KLJK HQHUJ\ DJH DSSURSULDWH FODVV WKLV HQHUJHWLF VW\OH XVHV V\QFRSDWHG UK\WKPV DQG ERG\ LVRODWLRQV PL[LQJ FODVVLF MD]] PRYHV ZLWK WKH ODWHVW KLS KRS VWHSV $OO ZKLOH GDQFLQJ WR WKHLU IDYRULWH PXVLF /RFDWLRQ )LWQHVV 6WXGLR UG ¿RRU 6DWXUGD\ SP 0HPEHUV 3URJUDP 0HPEHUV


$48$7,&6 352*5$06 6ZLP FODVVHV IROORZ WKH <0&$¶V ZHHN VHVVLRQ VFKHGXOH XQOHVV RWKHUZLVH QRWHG &ODVVHV DUH VXEMHFW WR FKDQJH RU EH FDQFHOOHG EDVHG RQ HQUROOPHQW )RU PRUH LQIRUPDWLRQ DERXW RXU $TXDWLFV SURJUDP SOHDVH FRQWDFW 1DGLD $UUR\R DW RU QDUU\R#\PFDQ\F RUJ

3ULYDWH 6ZLPPLQJ /HVVRQV $OO SULYDWH VZLP OHVVRQV DUH YDOLG IRU RQH \HDU IURP WKH GDWH RI SXUFKDVH 3DFNDJHV DUH DYDLODEOH 0HPEHUV 3URJUDP 0HPEHUV KRXUV OHVVRQ KRXUV OHVVRQV KRXU OHVVRQ KRXU OHVVRQ

3ROOLZRJ $JHV

7KLV LV WKH EHJLQQLQJ VZLP FODVV IRU VWXGHQWV ZKR DUH QRW FRQ¾GHQW LQ WKH GHHS ZDWHU 6WXGHQWV ZLOO EHFRPH PRUH FRPIRUWDEOH ZLWK SXWWLQJ WKHLU IDFHV LQ WKH ZDWHU 0HPEHUV 3URJUDP 0HPEHUV

3ROOLZRJ $GY $JHV

7KLV LV QH[W OHYHO EHJLQQHUV VZLP FODVV IRU VWXGHQWV ZKR DUH PRUH FRQ¾GHQW LQ WKH GHHS ZDWHU 6WXGHQWV ZLOO OHDUQ IURQW DQG EDFN JOLGHV ZLWK ¿XWWHU NLFNV URWDU\ DUPV ZLWK EUHDWKLQJ DQG WR VZLP WKH OHQJWK RI WKH SRRO ZLWKRXW VWRSSLQJ 0HPEHUV 3URJUDP 0HPEHUV

*XSS\ $JHV

'HVLJQHG IRU WKH LQWHUPHGLDWH EHJLQQHU WKLV FODVV LV KHOG LQ WKH GHHS ZDWHU *XSSLHV QHHG WR EH DEOH WR VZLP ZLWK WKHLU IDFHV LQ WKH ZDWHU DQG ¿RDW FRPIRUWDEO\ RQ WKLHU EDFNV 6WXGHQWV ZLOO EH LQWURGXFHG WR EDFNVWURNH DQG URWDU\ EUHDWKLQJ 7KH DELOLW\ WR WUHDG ZDWHU IRU RQH PLQXWH LV UHTXLUHG

)O\LQJ )LVK $JHV

6ZLPPHUV PXVW KDYH JRRG IURQW FUDZO ZLWK SURSHU EUHDWKLQJ EDFNVWURNH DQG EUHDVWVWURNH DQG VKRXOG EH LQ SURSHU IRUP 6WXGHQWV QHHG WR WUHDG ZDWHU IRU PLQXWHV DQG VZLP ODSV ZLWKRXW VWRSSLQJ 7KH\ ZLOO EH LQWURGXFHG WR WKH EXWWHU¿\ RSHQ WXUQV DQG URWDU\ EUHDWKLQJ 0HPEHUV 3URJUDP 0HPEHUV

6KDUN $JHV

6ZLPPHUV PXVW KDYH H[FHOOHQW IURQW FUDZO DQG EDFNVWURNH 6WXGHQWV VKRXOG GHPRQVWUDWH FRRUGLQDWLRQ LQ EUHDVWVWURNH EXWWHU¿\ DV ZHOO WR EH DEOH WR WUHDG ZDWHU IRU PLQXWHV SHUIRUP D \DUG , 0 DQG VZLP ODSV 7KH\ PXVW EH UHDG\ WR SROLVK VWURNHV DQG WXUQV 0HPEHUV 3URJUDP 0HPEHUV

3RUSRLVH $JHV

7KH PRVW DGYDQFHG OHYHO RI VZLPPLQJ IRU VWURQJ VZLPPHUV PDWXUH HQRXJK WR KDQGOH H[WHQGHG VZLPPLQJ ZRUNRXWV 6WXGHQWV ZLOO EHJLQ SUHSDUDWLRQ IRU WKH 6ZLP 7HDP LQFOXGLQJ GRLQJ ZRUNRXWV XVLQJ WKH SDFH FORFN 5HJLVWUDWLRQ IRU WKLV FODVV LV E\ LQYLWDWLRQ RQO\ 0HPEHUV 3URJUDP 0HPEHUV

0HPEHUV 3URJUDP 0HPEHUV

0LQQRZ $JHV

0LQQRZV PXVW EH DEOH WR VZLP IURQW FUDZO ZLWK URWDU\ EUHDWKLQJ DQG WUHDG ZDWHU IRU PLQXWH 7KH\ ZLOO QHHG WR EH UHDG\ WR VZLP ODSV ZLWKRXW VWRSSLQJ 6WXGHQWV DUH DOVR LQWURGXFHG WR EUHDVWVWURNH 0HPEHUV 3URJUDP 0HPEHUV

)LVK $JHV

6ZLPPHUV PXVW KDYH D JRRG IURQW FUDZO EDFNVWURNH GLYLQJ VNLOOV EUHDVW VWURNH DQG EH UHDG\ WR OHDUQ GROSKLQ NLFN 7KH\ PXVW DOVR EH DEOH WR WUHDG ZDWHU IRU PLQXWH DQG VZLP ODSV ZLWKRXW VWRSSLQJ 0HPEHUV 3URJUDP 0HPEHUV

-$0$,&$ <0&$ )$// :,17(5 _


&$036 $)7(56&+22/

)RU PRUH LQIRUPDWLRQ DERXW RXU FDPSV DQG DIWHUVFKRRO FRQWDFW *UHJRU\ 'LFNLQVRQ <RXWK DQG )DPLO\ 'LUHFWRU DW RU JGLFNLQVRQ#\PFDQ\F RUJ

+ROLGD\ &DPS $JHV

:KHQ VFKRROµV RXW WKH < LV WKHUH WR NHHS NLGV VDIH DQG HQJDJHG LQ IXQ KHDOWK\ DFWLYLWLHV WR OHW ZRUNLQJ PRPV DQG GDGV UHVW HDV\ < +ROLGD\ &DPS LV JHDUHG WR HQJDJLQJ NLGV LQ KHDOWK\ SK\VLFDO DFWLYLW\ DQG IRVWHULQJ SRVLWLYH VRFLDO LQWHUDFWLRQV (DFK SURJUDP RIIHUV WKH KLJKHVW TXDOLW\ LQVWUXFWLRQ DQG VXSHUYLVLRQ SURYLGHG E\ WUDLQHG DQG TXDOL¾HG VWDII PHPEHUV 7LPH DP SP 0HPEHUV 3URJUDP 0HPEHUV &KULVWPDV 5HFHVV 'HFHPEHU UG WK WK WK WK VW 0LG :LQWHU 5HFHVV )HEUXDU\ WK WK WK WK VW 6SULQJ 5HFHVV $SULO WK WK WK WK WK VW QG

-$0$,&$ <0&$ 6800(5 '$< &$03 :KHQ 6XPPHU EHJLQV WKH < LV WKHUH WR NHHS NLGV VDIH DQG HQJDJHG LQ IXQ KHDOWK\ DFWLYLWLHV WR OHW ZRUNLQJ PRPV DQG GDGV UHVW HDV\ < 6XPPHU 'D\ &DPS LV JHDUHG WR HQJDJLQJ NLGV LQ KHDOWK\ SK\VLFDO DFWLYLW\ DQG IRVWHULQJ SRVLWLYH VRFLDO LQWHUDFWLRQV (DFK SURJUDP RIIHUV WKH KLJKHVW TXDOLW\ LQVWUXFWLRQ DQG VXSHUYLVLRQ SURYLGHG E\ WUDLQHG DQG TXDOL¾HG VWDII PHPEHUV 2SHQ WR FKLOGUHQ DJHV WR \HDUV 7KH IROORZLQJ FDPSV DUH DYDLODEOH 6SRUWV 6ZLP 0RYLQJ 2Q ([SORUHUV *LUO 3RZHU &UHDWLYH DQG &DPS 3 6 )XQ +RXUV DUH DP SP ZLWK H[WHQGHG KRXUV DYDLODEOH IURP DP SP &DPS UXQV IURP -XQH $XJXVW 3UH UHJLVWUDWLRQ LV UHTXLUHG 6HH WKH IURQW GHVN IRU UHJLVWUDWLRQ DQG GHWDLOV

< $IWHUVFKRRO 2YHU NLGV VSHQG SP RI HYHU\ VFKRRO GD\ ZLWK RXU FDULQJ VXSSRUWLQJ VWDII DW ORFDO VLWHV < $IWHU 6FKRRO LV JHDUHG WR IXUWKHU HQULFKLQJ NLGVµ DFDGHPLF GHYHORSPHQW HQJDJLQJ WKHP LQ KHDOWK\ SK\VLFDO DFWLYLW\ DQG IRVWHULQJ SRVLWLYH VRFLDO LQWHUDFWLRQV (DFK SURJUDP RIIHUV WKH KLJKHVW TXDOLW\ LQVWUXFWLRQ DQG VXSHUYLVLRQ SURYLGHG E\ WUDLQHG DQG TXDOL¾HG VWDII PHPEHUV ,W LV EHLQJ RIIHUHG WR VWXGHQWV ZKR DWWHQG 36 36 36 ,6 7KH <RXQJ :RPHQ¶V /HDGHUVKLS 6FKRRO

7((1 352*5$06 )25 <281* 3(23/( $*(6

)RU PRUH LQIRUPDWLRQ DERXW RXU 7HHQ 3URJUDPV SOHDVH FRQWDFW /HQLV 3HUH] 7HHQ &RRUGLQDWRU DW RU OSHUH]#\PFDQ\F RUJ

/HDGHUV &OXE

$ QDWLRQDOO\ UHFRJQL]HG FRUH <0&$ WHHQ SURJUDP SURYLGHV SDUWLFLSDQWV ZLWK RSSRUWXQLWLHV IRU OHDGHUVKLS WUDLQLQJ SHUVRQDO JURZWK VHUYLFH WR RWKHUV DQG VRFLDO GHYHORSPHQW 7HHQV PHHW RQ D ZHHNO\ EDVLV LQ VPDOO JURXSV ZRUNLQJ FORVHO\ ZLWK WKHLU SHHUV DQG DQ DGXOW DGYLVRU RQ VNLOO DQG FKDUDFWHU EXLOGLQJ DFWLYLWLHV DV ZHOO DV SODQQLQJ DQG RUJDQL]LQJ SURMHFWV ZLWK DQ HPSKDVLV RQ HGXFDWLRQDO VXFFHVV FRPPXQLW\ VHUYLFH DQG JRDO VHWWLQJ /HDGHUV &OXE KHOSV PRUH WKDQ WHHQV ¾QG WKH OHDGHU ZLWKLQ /RFDWLRQ QG ¿RRU 0HPEHUV )5(( 3URJUDP 0HPEHUV )5(( 7%$

7HHQV 7DNH 7KH &LW\ 7KLV FLYLF HQJDJHPHQW SURJUDP JLYHV WHHQV WKH RSSRUWXQLW\ WR PDNH FKDQJHV LQ WKHLU FRPPXQLW\ DQG WR PHHW HOHFWHG RI¾FLDOV 7HHQV OHDUQ DERXW KRZ FLW\ JRYHUQPHQW IXQFWLRQV DV WKH\ JR WKURXJK WKH SURFHVV RI SDVVLQJ ODZV DQG GHEDWLQJ SROLWLFDO WRSLFV 7HHQV 7DNH 7KH &LW\ LV JUHDW IRU WHHQV ZKR DUH LQWHUHVWHG LQ WKH ¾HOG RI SROLWLFDO VFLHQFH 0DQ\ KLJK VFKRROV KDYH FROODERUDWHG ZLWK WKH <0&$ DQG KDYH RIIHUHG VWXGHQWV KLJK VFKRRO VRFLDO VWXGLHV FUHGLWV IRU SDUWLFLSDWLRQ LQ WKH SURJUDP ,Q DGGLWLRQ SURJUDP SDUWLFLSDWLRQ PDNH D JUHDW DGGLWLRQ WR D WHHQµV FROOHJH DSSOLFDWLRQ /RFDWLRQ QG ¿RRU 0HPEHUV )5(( 3URJUDP 0HPEHUV )5(( 7%$

_ -$0$,&$ <0&$ )$// :,17(5


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µV LQGLYLGXDO GLYHUVLW\ 0XVW KDYH D YDOLG SKRWR , ' WR HQMR\ WKLV SURJUDP /RFDWLRQ )DFLOLW\ )ULGD\ 7%$ 0HPEHUV )5(( 3URJUDP 0HPEHUV )5((

7HHQ :HOOQHVV 7HHQV DJH PD\ XVH WKH )LWQHVV &HQWHU XQDFFRPSDQLHG E\ DQ DGXOW RQ ZHHNGD\V IURP SP DQG SP RQ WKH ZHHNHQGV %HIRUH XVLQJ WKH )LWQHVV &HQWHU HTXLSPHQW WHHQV PXVW SDUWLFLSDWH LQ D ¾WQHVV RULHQWDWLRQ 6LJQ XS IRU DQ RULHQWDWLRQ DQ\WLPH DW WKH 0HPEHU 6HUYLFH 'HVN 7HHQV DQG ROGHU KDYH DFFHVV WR WKH EDVNHWEDOO J\P DQG ¾WQHVV FHQWHU GXULQJ WKHVH WLPHV DV ZHOO 7KH\ KDYH DFFHVV WR WKH ¾WQHVV FHQWHU XQWLO SP

7XWRULQJ 7KH -DPDLFD <0&$ ZLOO KDYH WXWRUV DYDLODEOH E\ DSSRLQWPHQW WR SURYLGH DVVLVWDQFH WR VWXGHQWV ZKR QHHG VRPH H[WUD KHOS LQ YDULRXV VXEMHFW DUHDV %\ DSSRLQWPHQW RQO\

$48$7,&6 352*5$06 7HHQ %HJ $JHV

7KLV LV D EHJLQQLQJ VZLP FODVV IRU VWXGHQWV ZKR DUH QRW FRQ¾GHQW LQ WKH GHHS ZDWHU 6WXGHQWV ZLOO EHFRPH PRUH FRPIRUWDEOH ZLWK SXWWLQJ WKHLU IDFHV LQ WKH ZDWHU 0HPEHUV 3URJUDP 0HPEHUV

7HHQ $GY $JHV

7HHQV PXVW EH DEOH WR VZLP IURQW FUDZO ZLWK URWDU\ EUHDWKLQJ DQG WUHDG ZDWHU IRU PLQXWH 7KH\ ZLOO QHHG WR EH UHDG\ WR VZLP ODSV ZLWKRXW VWRSSLQJ 6WXGHQWV DUH DOVR LQWURGXFHG WR EUHDVWVWURNH 0HPEHUV 3URJUDP 0HPEHUV

8UEDQ 'DQFH

'DQFH OLNH \RXU IDYRULWH SRS VWDUV ,Q WKLV KLJK HQHUJ\ DJH DSSURSULDWH FODVV WKLV HQHUJHWLF VW\OH XVHV V\QFRSDWHG UK\WKPV DQG ERG\ LVRODWLRQV PL[LQJ FODVVLF MD]] PRYHV ZLWK WKH ODWHVW KLS KRS VWHSV $OO ZKLOH GDQFLQJ WR WKHLU IDYRULWH PXVLF /RFDWLRQ )LWQHVV 6WXGLR UG ¿RRU )ULGD\ SP 0HPEHUV 3URJUDP 0HPEHUV

&ROOHJH DQG &DUHHU 3UHSDUDWLRQ 7KH -DPDLFD < FDQ KHOS WHHQV SUHSDUH IRU OLIH EH\RQG KLJK VFKRRO )URP WRXULQJ YDULRXV FROOHJHV WR ¾OOLQJ RXW QHFHVVDU\ DGPLVVLRQV DQG ¾QDQFLDO DVVLVWDQFH SDSHU ZRUN WR GHYHORSLQJ MRE UHDGLQHVV VNLOOV DQG KHOSLQJ WR ¾QG LQWHUQVKLSV DQG MRE RSSRUWXQLWLHV IRU RXU WHHQV WKH -DPDLFD < WHHQ VWDII FDQ KHOS JHW WHHQV WR WDNH FKDUJH RI WKHLU RZQ IXWXUH

-$0$,&$ <0&$ )$// :,17(5 _


,19,7( <285 )5,(1'6 72 -2,1 7+( < 5()(5 <285 )5,(1'6 72 7+( <0&$ $1' ,) 7+(< -2,1 <28µ// 5(&(,9( $ 0(0%(5 5(:$5' &$5' )25 )5(( < *($5 9,6,7 7+( 0(0%(5 6(59,&( '(6. )25 $ 5()(55$/ )250 $1' 025( ,1)250$7,21

&+(&. 287 $// 285 1(: &22/ < *($5 $7 \PFDQ\F RUJ UHZDUG

<0&$ 1(: $0(5,&$16 :(/&20( &(17(56 2XU PXOWLOLQJXDO UHVRXUFH DQG UHIHUUDO FHQWHUV SURYLGH LPPLJUDQW IDPLOLHV ZLWK D ZLGH DUUD\ RI LQVWUXFWLRQDO YRFDWLRQDO UHFUHDWLRQDO IDPLO\ VXSSRUW DQG VRFLDO VHUYLFHV LQFOXGLQJ ‡ ‡ ‡ ‡ ‡ ‡ ‡

(QJOLVK DV D 6HFRQG /DQJXDJH &XOWXUDO 2ULHQWDWLRQ &LWL]HQVKLS 3UHSDUDWLRQ -RE 5HDGLQHVV &RPSXWHU /LWHUDF\ $GXOW /LWHUDF\ *(' 3UHSDUDWLRQ

)$// :,17(5 &<&/( 5HJLVWUDWLRQ 3UH 7HVWLQJ &ODVV 6FKHGXOH 3RVW 7HVWLQJ GXULQJ /DVW :HHN )RU PRUH LQIRUPDWLRQ FRQWDFW ZZZ \PFDQHZDPHULFDQ RUJ _ -$0$,&$ <0&$ )$// :,17(5


-2,1,1* 7+( &$86( 0(0%(56+,3 ,1)250$7,21 0,66,21

0(0%(56+,3 &$1&(//$7,21

7KH <0&$ RI *UHDWHU 1HZ <RUN LV D FRPPXQLW\ VHUYLFH RUJDQL]DWLRQ WKDW SURPRWHV SRVLWLYH YDOXHV WKURXJK SURJUDPV WKDW EXLOG VSLULW PLQG DQG ERG\ ZHOFRPLQJ DOO SHRSOH ZLWK D IRFXV RQ \RXWK

&DQFHOODWLRQ RI PHPEHUVKLS UHTXLUHV D ¾IWHHQ GD\ ZULWWHQ QRWLFH SULRU WR WKH PRQWKO\ GUDIW GDWH

32/,&< 2) 121 ',6&5,0,1$7,21 <0&$ PHPEHUVKLS LV DYDLODEOH WR DOO SHUVRQV UHJDUGOHVV RI UDFH UHOLJLRQ JHQGHU DJH PDULWDO VWDWXV VH[XDO RULHQWDWLRQ JHQGHU LGHQWLW\ QDWLRQDO RULJLQ GLVDELOLW\ RU ¾QDQFLDO FLUFXPVWDQFHV 7KH <0&$ ZHOFRPHV IDPLOLHV DQG SHUVRQV RI DOO DJHV LQFRPH OHYHOV DQG SK\VLFDO FRQGLWLRQV ZLWK DQ HPSKDVLV RQ UHVSRQVLELOLW\ DQG VHOI LPSURYHPHQW

0(0%(56+,3 *8$5$17(( 0HPEHUVKLS LQ WKH <0&$ LV IXOO\ JXDUDQWHHG 0HPEHUV ZKR DUH QRW FRPSOHWHO\ VDWLV¾HG ZLWK WKHLU <0&$ PHPEHUVKLS DUH HQWLWOHG WR D UHIXQG RI DQ\ XQXVHG SRUWLRQ RI WKHLU PHPEHUVKLS

0(0%(56+,3 (;75$6 :H RIIHU GLVFRXQWHG PHPEHUVKLS UDWHV WR DOO 1<& +,3 (PEOHP (PSOR\HHV 5DWHV DUH DSSOLFDEOH WR DGXOW DQG IDPLO\ PHPEHUVKLSV RQO\ 3URRI RI HPSOR\PHQW VWDWXV PXVW EH SUHVHQWHG XSRQ HQUROOPHQW DQG HYHU\ \HDU IRU UHQHZDOV

0(0%(56+,3 &$5'6 ‡ 0(0%(56+,3 &$5' 7KH %UDQFK PHPEHUVKLS FDUG PXVW EH SUHVHQWHG DQG VFDQQHG LQ RUGHU WR JDLQ DFFHVV LQWR D <0&$ IDFLOLW\ ‡ 352*5$0 &$5'6 3URJUDP PHPEHUV ZLOO EH LVVXHG D FDUG JUDQWLQJ WKHP <0&$ DFFHVV IRU WKHLU SURJUDP 7KLV FDUG PXVW EH SUHVHQWHG DQG VFDQQHG IRU DFFHVV LQWR WKH <0&$ IDFLOLW\ DQG RU D VSHFL¾F SURJUDP ‡ /267 &$5'6 3OHDVH OHW XV NQRZ LI \RXU FDUG LV ORVW RU VWROHQ 7KHUH LV D IHH WR LVVXH D UHSODFHPHQW FDUG

0(0%(56+,3 75$16)(5 0HPEHUVKLS DQG SURJUDP SULYLOHJHV DUH QRW WUDQVIHUDEOH IURP RQH SHUVRQ WR DQRWKHU

0(0%(56+,3 +2/'6 0HPEHUV PD\ SXW WKHLU PHPEHUVKLS RQ KROG IRU PRQWKV GXULQJ DQ\ FDOHQGDU \HDU $ PRQWKO\ KROG IHH ZLOO EH FKDUJHG DQG DOO PHPEHUVKLS SULYLOHJHV ZLOO EH VXVSHQGHG ZKLOH \RXU PHPEHUVKLS LV RQ KROG

3$<0(17 237,216 ,1)250$7,21 ‡ 0HPEHUVKLS GXHV PXVW EH XS WR GDWH LQ RUGHU WR XVH IDFLOLW\ ‡ 5DWHV DQG VFKHGXOHV DUH VXEMHFW WR FKDQJH ‡ 0HPEHUVKLS PD\ EH SDLG LQ IXOO E\ FDVK SHUVRQDO FKHFNV 0DVWHU&DUG 9LVD $PHULFDQ ([SUHVV DQG 'LVFRYHU FDUGV ‡ 0RQWKO\ SD\PHQWV DUH SD\DEOH E\ FUHGLW FDUG RU EDQN GUDIW RQO\ H[FOXGLQJ 'LVFRYHU 7KHUH LV QR FDVK RSWLRQ IRU PRQWKO\ SD\PHQWV ‡ ,I D FKHFN RU DQ DXWRPDWLF EDFN GUDIW LV UHWXUQHG IRU LQVXI¾FLHQW IXQGV D VHUYLFH IHH RI ZLOO EH DGGHG WR WKH SD\PHQW DPRXQW

92/817((5 23325781,7,(6 :KHQ \RX YROXQWHHU DW WKH < \RX WDNH DQ DFWLYH UROH LQ EULQJLQJ DERXW PHDQLQJIXO HQGXULQJ FKDQJH ULJKW LQ \RXU RZQ QHLJKERUKRRG $V D SURJUDP YROXQWHHU ERDUG PHPEHU RU 6WURQJ .LGV &DPSDLJQ IXQGUDLVHU \RX FDQ PDNH D GLIIHUHQFH IRU RXU < DQG WKH FRPPXQLW\ DV D ZKROH

-2% 23325781,7,(6 9LVLW \PFDQ\F RUJ FDUHHUV IRU RSHQ SRVLWLRQV LQ RXU VWDII IDPLO\ DW WKH <0&$ RU DW RQH RI PRUH WKDQ VLWHV WKURXJKRXW WKH ¾YH ERURXJKV DQG DW RXU 1HZ <RUN <0&$ &DPS XSVWDWH -$0$,&$ <0&$ )$// :,17(5 _


0(0%(56+,3 ,1)250$7,21 *8(67 $1' '$< 3$66(6

/2&.(5 52206 /2&.(56

$OO <0&$ PHPEHUV DUH JLYHQ FRPSOLPHQWDU\ JXHVW SDVVHV SHU \HDU WR KHOS LQWURGXFH WKH < WR IULHQGV DQG DVVRFLDWHV %UDQFK PHPEHUV DUH ZHOFRPH WR YLVLW RWKHU <0&$ ORFDWLRQV ZLWKLQ 1<& WLPH SHU \HDU DW QR FKDUJH 'D\ SDVVHV DUH DYDLODEOH WR SXUFKDVH

‡ /RFNHUV DUH DYDLODEOH IRU GDLO\ XVH 3OHDVH EULQJ \RXU RZQ ORFN DQG VHFXUH \RXU EHORQJLQJV ZKHQ XVLQJ WKH IDFLOLW\

$GXOWV DQG RYHU <RXWK XQGHU DJH

&+,/' :$7&+ 'R \RX QHHG VRPHRQH WR ORRN DIWHU \RXU FKLOG PRQWKV \HDUV ROG ZKLOH \RX ZRUN RXW" :HµUH KHUH IRU \RX <RX PD\ EULQJ \RXU FKLOG IRU D PD[LPXP RI WZR KRXUV SHU GD\ WR WKH <0&$ &KLOG :DWFK 3URJUDP .LGV ZLOO HQMR\ FUHDWLYH SOD\ LQ D IXQ VDIH HQYLURQPHQW ZLWK UHVSRQVLEOH <0&$ VWDII PHPEHUV 7KLV LV D IUHH VHUYLFH DYDLODEOH WR IDPLO\ PHPEHUV RQO\ 3OHDVH UHJLVWHU DW WKH 0HPEHU 6HUYLFHV 'HVN LQ DGYDQFH

&$0(5$ 32/,&< )RU WKH SULYDF\ DQG VHFXULW\ RI DOO HVSHFLDOO\ RXU NLGV DQG WHHQV ZH GR QRW DOORZ DQ\ SKRWR RU YLGHR UHFRUGLQJ ZLWKRXW SHUPLVVLRQ IURP WKH ([HFXWLYH 'LUHFWRU

3$5.,1* 237,21 &RXSRQV DUH DYDLODEOH DW WKH 0HPEHU 6HUYLFH 'HVN 7KHVH FRXSRQV DUH IRU ,PSDUN FRUQHU RI WKH WK $YH SDUNLQJ ORW RQO\ &RXSRQV DUH VROG LQ D VKHHW RI WHQ IRU SHU VKHHW (DFK FRXSRQ LV JRRG IRU KRXUV RI SDUNLQJ

_ -$0$,&$ <0&$ )$// :,17(5

‡ 2XU IDPLO\ IULHQGO\ ORFNHU URRP LV D JRRG DOWHUQDWLYH IRU SDUHQWV ZKR ZLVK WR DFFRPSDQ\ WKHLU FKLOG WKDW LV RYHU WKH DJH RI ¾YH DQG RI WKH RSSRVLWH JHQGHU

.,7 /2&.(5 6(59,&( ‡ .LW /RFNHUV DUH DYDLODEOH IRU D \HDUO\ IHH UDWH RI $VN DW WKH :HOFRPH 'HVN IRU GHWDLOV ‡ .LW /RFNHU PRQWKO\ IHHV PD\ QRW EH IUR]HQ

72:(/ 6(59,&( ‡ :KLOH XVLQJ RXU IDFLOLWLHV WRZHOV DUH DYDLDEOH IRU \RXU FRQYHQLHQFH 5HTXHVWV DUH PDGH DW WKH 0HPEHU 6HUYLFH 'HVN ‡ )HH LV UHWXUQHG ZKHQ PHPEHUVKLS LV FDQFHOHG 3OHDVH UHWXUQ WRZHOV WR DSSURSULDWH DUHDV

<0&$ ³$:$<´ 32/,&< $:$< $OZD\V :HOFRPH DW WKH <0&$ $V D <0&$ PHPEHU \RX KDYH DFFHVV WR <0&$V DFURVV WKH FRXQWU\ DQG DURXQG WKH ZRUOG <RX PXVW SUHVHQW D YDOLG <0&$ ,' WR EH HOLJLEOH WR XVH $:$< SULYLOHJHV &DOO DKHDG WR FKHFN RQ LQGLYLGXDO EUDQFK SROLFLHV


0(0%(56+,3 ,1)250$7,21 6:,00,1* 322/ 5(*8/$7,216 /DS VZLPPLQJ )DPLO\ 6ZLP DQG 5HFUHDWLRQDO VZLPPLQJ DUH DYDLODEOH GXULQJ PRVW KRXUV RI RSHUDWLRQ 3OHDVH UHIHU WR WKH SRRO VFKHGXOH ORFDWHG DW WKH 0HPEHU 6HUYLFHV 'HVN IRU DGGLWLRQDO LQIRUPDWLRQ ‡ 0HPEHUV DQG IDFLOLW\ XVHUV DUH UHTXLUHG WR IROORZ SRVWHG VLJQV DQG OLIHJXDUG GLUHFWLRQV ‡ 6ZLP FDSV PXVW EH ZRUQ ZKLOH LQ WKH SRRO

‡ %DQG $LGV EDQGDJHV PHWDO KDLU FOLSV DQG KDLUSLQV PXVW EH UHPRYHG EHIRUH HQWHULQJ WKH SRRO ‡ &KLOGUHQ VZLP GLDSHU ZLWK SODVWLF HODVWLF DURXQG OHJ LV UHTXLUHG ‡ 3OHDVH GR QRW FRPPXQLFDWH ZLWK OLIHJXDUGV XQOHVV LW LV DQ HPHUJHQF\ ‡ 6SLWWLQJ LQ SRRO RU SRRO JXWWHUV LV QRW DOORZHG QRU DQ\ RWKHU ERGLO\ GLVFKDUJH

‡ 0HPEHUV PXVW VKRZHU EHIRUH HQWHULQJ WKH SRRO

‡ )RRG JXP DQG EHYHUDJHV DUH QRW DOORZHG LQ WKH SRRO DUHD *ODVV ERWWOHV DUH VWULFWO\ SURKLELWHG

‡ 5XQQLQJ VNLSSLQJ SXVKLQJ RU DQ\ NLQG RI KRUVHSOD\ ZLOO QRW EH DOORZHG

‡ 8VH RI EHDFK EDOOV WR\V HWF ZLOO EH DW OLIHJXDUGµV GLVFUHWLRQ

‡ 'LYLQJ LV QRW SHUPLWWHG

‡ 1R ²QRRGOHV³ IRU IDPLO\ VZLP

‡ ,QGLYLGXDOV ZLWK LQIHFWLRQV RSHQ VRUHV RU FXWV DQG RU HDU QRVH GLVFKDUJHV ZLOO QRW EH DOORZHG WR HQWHU WKH SRRO

/$3 6:,0 (7,48(77(

‡ 1R RQH PD\ HQWHU WKH SRRO DUHD ZLWKRXW DQ DXWKRUL]HG DQG FHUWL¾HG <0&$ /LIHJXDUG RQ GXW\ ‡ &KLOGUHQ \HDUV DQG XQGHU PXVW EH ZLWKLQ DUPV UHDFK RI DQ DGXOW RYHU LQ WKH ZDWHU ‡ &KLOGHUQ \HDUV PXVW KDYH DQ DGXOW RQ WKH SRRO GHFN RU YLHZLQJ DUHD

/DS VZLP VKRXOG EH RUGHUO\ DQG FRQWLQXRXV ,Q RUGHU WR UHFHLYH IXOO EHQH¾W DQG HQMR\PHQW IURP ODS VZLP LW LV LPSRUWDQW WKDW DOO SDUWLFLSDQWV UHVSHFW RWKHU VZLPPHUV DQG DELGH E\ WKH IROORZLQJ UXOHV ‡ /LIHJXDUGV DUH UHVSRQVLEOH IRU WKH VDIHW\ RI DOO VZLPPHUV DQG PD\ DVN VZLPPHUV WR FKDQJH ODQHV ‡ 0D[LPXP VZLPPHUV SHU ODQH

‡ ,I FKLOG QHHGV WKH DVVLVWDQFH RI D EXEEOH D SDUHQW JXDUGLDQ PXVW EH LQ WKH ZDWHU ZLWK KLP KHU

‡ 2QH RU WZR VZLPPHUV PD\ VSOLW WKH ODQH WKUHH RU PRUH VZLPPHUV PXVW PRYH LQ FRXQWHUFORFNZLVH FLUFOHV

‡ 1R HTXLSPHQW HLWKHU <0&$ RZQHG RU SHUVRQDO LQFOXGLQJ PDVNV ¾QV DQG VQRUNHOV PD\ EH XVHG RWKHU WKDQ IRU LQVWUXFWLRQDO SXUSRVHV RU ZLWK VSHFLDO SHUPLVVLRQ RI WKH OLIHJXDUG

‡ 6ZLP LQ D FLUFOH NHHSLQJ WR WKH ULJKW 3DVV 21/< RQ WKH OHIW

‡ 1R J\P VKRUWV FXWRIIV RU RWKHU FRQYHUWHG VWUHHW FORWKLQJ PD\ EH ZRUQ DV EDWKLQJ VXLWV

‡ .LFNERDUGV DQG SXOO EXR\V DUH DYDLODEOH IRU XVH SOHDVH UHSODFH DIWHU XVH

‡ 6ORZHU VZLPPHUV VKRXOG VZLP FORVH WR WKH ULJKW ODQH OLQH ‡ ,I D ODQH LV HPSW\ D VZLPPHU PD\ VWUHWFK RU H[HUFLVH

‡ 1R RQH PD\ HQWHU WKH SRRO ZLWK VKRHV IURP WKH VWUHHW RU VQHDNHUV IURP WKH J\P ‡ $OO VZLPPHUV PXVW HQWHU DQG OHDYH WKURXJK ORFNHU DQG VKRZHU URRP HQWUDQFHV

-$0$,&$ <0&$ )$// :,17(5 _


)$&,/,7< ,1)250$7,21 ),71(66 &(17(5

)$&,/,7,(6 32/,&,(6

/LIH¾WQHVV 6WUHQJWK 7UDLQLQJ 6\VWHP /LIH¾WQHVV 8SULJKW %LNHV 5HFXPEHQW %LNHV 7UHDGPLOOV (OOLSWLFDO HTXLSSHG DOO ZLWK SHUVRQDO 79µV &URVV WUDLQHUV 6WDLUPDVWHUV &DEOH &URVV 2YHU 6WDWLRQ 6PLWK 0DFKLQH DVVLVWHG &KLQ XS 'LS PDFKLQH )LWQHVV &HQWHU WUDLQHUV DQG 3HUVRQDO WUDLQHUV &LUFXLW 5RRP

)LWQHVV &HQWHU DQG :HLJKW 5RRP 5HJXODWLRQV ‡ 6KLUWV VQHDNHUV DQG VRFNV PXVW EH ZRUQ DW DOO WLPHV ‡ 6WUHHW FORWKHV VKRHV DQG VDQGDOV DUH QRW SHUPLWWHG ‡ 3HUVRQDO EHORQJLQV EDJV FRDWV HWF PD\ QRW EH EURXJKW LQWR WKH ¾WQHVV FHQWHU 7KH\ PXVW EH OHIW LQ WKH ORFNHUV SURYLGHG LQ WKH ORFNHU URRPV ‡ 5HPHPEHU WR ZLSH GRZQ DOO PDFKLQHV DIWHU HDFK XVH ‡ :DWHU LV SHUPLWWHG LQ FORVHG SODVWLF FRQWDLQHUV RQO\ QR JODVV )RRG RU GULQN LV QRW SHUPLWWHG

)5(( :(,*+7 $5($

+DPPHU 6WUHQJWK )UHH :HLJKW 0DFKLQHV ZLWK GXPEEHOOV DQG SODWH ORDG VWDWLRQV 6WDELOLW\ EDOOV DQG VWUHWFK EDQGV DUH DYDLODEOH

‡ 7KH VWDII UHVHUYHV WKH ULJKW WR LQWHUYHQH ZKHQ VRPHRQH LV H[HUFLVLQJ LQ DQ XQVDIH PDQQHU ‡ 1R RQH XQGHU WKH DJH RI LV SHUPLWWHG LQ WKH ¾WQHVV FHQWHU RU ZHLJKW URRP

*5283 (;(5&,6( &/$66(6

$ YDULHW\ RI H[HUFLVH FODVVHV WKDW FDWHU WR DOO OHYHOV %RG\ 7RQLQJ 6WHS $HURELFV <RJD :DWHU ([HUFLVH 6HQLRU )LWQHVV *URXS &\FOLQJ DQG PRUH

+($7(' ,1'225 322/

‡ 1R RQH XQGHU WKH DJH RI LV SHUPLWWHG LQ WKH EXLOGLQJ DIWHU SP XQOHVV LQYROYHG LQ D GHVLJQDWHG SURJUDP ‡ 5DGLRV ZLWKRXW HDUSKRQHV DUH QRW SHUPLWWHG LQ ¾WQHVV DUHDV ‡ 0RVW UHJXODU KHDGSKRQHV ¾W LQWR WKH 79 MDFNHW

IHHW ORQJ IHHW WR IHHW GHHS

‡ 5HWXUQ WR WXUQ RII 79 ZKHQ ¾QLVK XVLQJ HTXLSPHQW

)8// &2857 *<01$6,80

‡ 5HWXUQ GXPEEHOOV DQG SODWHV WR UDFN DIWHU XVH

5HJXODWLRQ VL]H EDVNHWEDOO FRXUW ODS HTXDOV PLOH

‡ 1R FHOO SKRQHV LQ DQ\ ZRUNRXW DUHD

<287+ $1' 7((1 32/,&<

/2&.(5 $1' 6+2:(5 52206 6$81$ :KLUOSRRO DQG 6WHDP 5RRP 2QO\ LQ WKH 0HQµV /RFNHU 5RRP

3(76 %,&<&/(6 32/,&<

‡ 6HUYLFH DQLPDOV DUH WKH RQO\ DQLPDOV DOORZHG LQ WKH IDFLOLW\ :H DVN WKDW WKH\ EH SURSHUO\ KDUQHVVHG ‡ :H UHJUHW WKDW ZH FDQ QRW DFFRPPRGDWH SHWV RU ELF\FOHV LQ WKH IDFLOLWLHV 3OHDVH PDNH DSSURSULDWH DUUDQJHPHQWV

/267 )281' 32/,&<

/RVW DQG IRXQG LWHPV WKDW DUH UHWXUQHG DUH SODFHG DW WKH :HOFRPH 'HVN ,WHPV DUH ORJJHG DQG VHFXUHG ,WHPV WKDW DUH QRW UHFODLPHG LQ GD\V DUH GLVFDUGHG

_ -$0$,&$ <0&$ )$// :,17(5

‡ &KLOGUHQ DQG XQGHU PXVW EH DFFRPSDQLHG E\ DQ DGXOW DW DOO WLPH ZKHQ XVLQJ WKH -DPDLFD <0&$ IDFLOLW\ ‡ &KLOGUHQ DQG XQGHU PD\ QRW XVH ¾WQHVV HTXLSPHQW ‡ 7HHQV DJHV DQG XS PD\ XVH SURJUDP DUHDV J\PQDVLXP DQG SRRO XQDFFRPSDQLHG E\ DQ DGXOW 0RQGD\ )ULGD\ SP 6DWXUGD\ DP SP 6XQGD\ DP SP %RDUG RI (GXFDWLRQ +ROLGD\V SP ‡ 7HHQV PXVW ZHDU WKHLU ,'V DW DOO WLPH ‡ 7HHQV PXVW KDYH D VLJQHG SDUHQWDO FRQVHQW IRUP RQ ¾OH DQG DWWHQG D <RXWK )LWQHVV 2ULHQWDWLRQ VHVVLRQ ZLWK D <0&$ WUDLQHU SULRU WR XVLQJ WKH HTXLSPHQW 6LJQ XS DW WKH :HOFRPH 'HVN ‡ 7HHQV PXVW OHDYH EXLOGLQJ E\ SP LI QRW LQ D UHJLVWHUHG SURJUDP ‡ 7HHQV PXVW DELGH E\ DOO UXOHV RI WKH UHVSHFWLYH SURJUDP DUHDV


)$&,/,7< ,1)250$7,21 &20081,7< (;75$6 *<01$6,80 5(*8/$7,216 ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡

$// 0(0%(56 $1' 352*5$0 3$57,&,3$176 $5( (;3(&7(' 72 )2//2: 7+( <0&$ &2'( 2) &21'8&7 0HPEHUV 3URJUDP SDUWLFLSDQWV PXVW ZHDU VQHDNHUV GXULQJ DOO J\PQDVLXP DFWLYLWLHV 1R ¿LS ¿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¾JKWLQJ LV SHUPLWWHG LQ WKH J\PQDVLXP 0LQLPXP UHVXOW ZLOO EH ORVV RI PHPEHUVKLS ZLWKRXW UHIXQG

&20081,7< (;75$6 5(17$/ 2) 63$&( 322/

7KH -DPDLFD <0&$ RSHQV LWV GRRU IRU FKXUFKHV EXVLQHVV PHHWLQJV FKLOGUHQµV SDUWLHV IRU LQIDQWV WR DJH EDSWLVPV DQG PRUH )RU PRUH LQIRUPDWLRQ FRQWDFW WKH :HOFRPH 'HVN DW WR VFKHGXOH \RXU QH[W HYHQW 3ULFHV YDU\ EDVHG RQ URRP VL]H 7DEOHV DQG FKDLUV DUH LQFOXGHG ZLWK UHQWDOV

< 52$'6 &(17(5 7KH < 5RDGV &HQWHU LV GHVLJQHG WR VXSSRUW WR \HDU ROGV ZKR DUH QHLWKHU HPSOR\HG QRU LQ VFKRRO WR JHW WKHPVHOYHV RQ D SDWK WR VXFFHVV 7KH FHQWHU EDVHG PRGHO EXLOGV RQ WKH <µV VWUHQJWKV LQ \RXWK ZRUN FRXQVHOLQJ VHUYLFHV DQG OHDGHUVKLS GHYHORSPHQW 7KH FHQWHU ZLOO SURYLGH VXSSRUW LQ WKH IROORZLQJ DUHDV ‡ *HQHUDO (GXFDWLRQ 'HYHORSPHQW *(' FRXUVHV ‡ :RUNIRUFH GHYHORSPHQW WUDLQLQJ DQG MRE SODFHPHQW ‡ &RXQVHOLQJ VHUYLFHV ‡ <RXWK IULHQGO\ PHGLFDO KHDOWK VHUYLFHV DQG VFUHHQLQJ ‡ 5HFUHDWLRQ ‡ $GGLWLRQDO VHUYLFHV LQFOXGLQJ (QJOLVK SUR¾FLHQF\ WKHUDSHXWLF PHQWRULQJ IDWKHUKRRG WUDLQLQJ DQG RWKHU RSWLRQV EDVHG RQ XQLTXH FRPPXQLW\ QHHGV )RU PRUH LQIRUPDWLRQ DERXW WKLV SURJUDP SOHDVH FRQWDFW <52$'6 -DPDLFD $YHQXH -DPDLFD 1< \URDGVMDPDLFD#\PFDQ\F RUJ

-$0$,&$ <0&$ )$// :,17(5 _


&20081,7< (;75$6 *(' 3/86 ,Q FROODERUDWLRQ ZLWK WKH 1<& 'HSDUWPHQW RI (GXFDWLRQ WKH -DPDLFD <0&$ ZLOO KRVW D *(' SURJUDP ZKLFK ZLOO EH DYDLODEOH IRU VWXGHQWV \HDUV ROG 7KLV SURJUDP ZLOO ZRUN WR FUHDWH PDQ\ QHZ RSSRUWXQLWLHV IRU VWXGHQWV ° HQUROOLQJ LQ FROOHJH DWWHQGLQJ D YRFDWLRQDO WUDLQLQJ SURJUDP VWDUWLQJ D MRE LQ D FDUHHU RI \RXU FKRLFH :H ZDQW WR PDNH VXUH WKDW VWXGHQWV DUH SUHSDUHG WR VXFFHHG *(' 3OXV PHDQV WKDW \RX ZLOO OHDYH WKLV SURJUDP ZLWK \RXU *(' SOXV IXOO\ SUHSDUHG IRU ZRUN DQG FROOHJH )RU PRUH LQIRUPDWLRQ DERXW WKLV SURJUDP SOHDVH FRQWDFW &ROOHJH DQG &DUHHU 5HVRXUFH &HQWHU DP SP +LOOVLGH $YHQXH 5RRP

:(,*+7 :$7&+(56 -DPDLFD <0&$ KDV SDUWQHUHG ZLWK :HLJKW :DWFKHUV WR VXSSRUW RXU FRPPXQLW\ LQ WKH ¾JKW DJDLQVW REHVLW\ $WWHQG WKH PHHWLQJ RQFH D ZHHN WKHUHµV QR FRQWUDFW VR \RX FDQ SD\ DV \RX JR )LUVW PHHWLQJ LV IUHH (DFK ZHHN \RX KDYH D FRQ¾GHQWLDO ZHLJK LQ WR KHOS \RX WUDFN \RXU SURJUHVV <RX ZLOO OHDUQ KRZ WR PDNH ZLVH FKRLFHV HDW KHDOWK\ DQG HQMR\ IRRG DQG H[HUFLVH (YHU\ ZHHN \RX ZLOO UHFHLYH QHZ WLSV DQG SURJUDP PDWHULDOV *HW H[WUD VXSSRUW IURP \RXU PHHWLQJ OHDGHU ZKR KDV DOVR ORVW ZHLJKW ZLWK :HLJKW :DWFKHUV

7$.( &21752/ <28 &$1 5('8&( <285 ',$%(7(6 5,6. $1' *$,1 722/6 )25 +($/7+< /,9,1* 7+528*+ 7+( <0&$¶6 ',$%(7(6 35(9(17,21 352*5$0 ,I \RX DUH DW KLJK ULVN IRU W\SH GLDEHWHV WKH <0&$µV 'LDEHWHV 3UHYHQWLRQ 3URJUDP FDQ KHOS \RX DGRSW DQG PDLQWDLQ KHDOWK\ OLIHVW\OHV WKDW ZLOO KHOS \RX UHGXFH \RXU FKDQFHV RI GHYHORSLQJ GLDEHWHV

$%287 7+( 352*5$0

&RQWDFW :HLJKW :DWFKHUV GLUHFWO\ IRU IXUWKHU LQIRUPDWLRQ /RFDWLRQ <RXWK )DPLO\ 5RRP QG )ORRU 6DWXUGD\ SQ SP

,Q D FODVVURRP VHWWLQJ D WUDLQHG OLIHVW\OH FRDFK ZLOO KHOS IDFLOLWDWH D VPDOO JURXS RI SDUWLFLSDQWV LQ OHDUQLQJ DERXW KHDOWKLHU HDWLQJ SK\VLFDO DFWLYLW\ DQG RWKHU EHKDYLRU FKDQJHV RYHU WKH FRXUVH RI RQH KRXU VHVVLRQV $IWHU WKH LQLWLDO FRUH VHVVLRQV SDUWLFLSDQWV PHHW PRQWKO\ IRU DGGHG VXSSRUW WR KHOS WKHP PDLQWDLQ WKHLU SURJUHVV

$'8/7 /(,685(6

352*5$0 *2$/6

&ODVVHV DUH KHOG RQFH D ZHHN IRU ZHHNV XQOHVV QRWHG

<0&$ &20387(5 /($51,1* &(17(5 , ,, *5($7 )25 6(1,256 7KHVH FRXUVHV WHDFK EDVLF FRPSXWHU IXQGDPHQWDOV ZLWK DQ LQ GHSWK HPSKDVLV RQ PRXVH VNLOOV ZRUG SURFHVVLQJ VSUHDGVKHHWV GDWDEDVH HPDLO DQG WKH ,QWHUQHW

/HYHO , %DVLF &RPSXWHU 6NLOOV )ULGD\ DP SP /HYHO ,, %DVLF 6NLOOV ,QWHUQHW (PDLO )ULGD\ SP SP

0,&5262)7 2)),&(

6DWXUGD\ SP SP /RFDWLRQ &RPSXWHU 5RRP QG ¿RRU <0&$ 0HPEHUV )5(( 3URJUDP 0HPEHUV

_ -$0$,&$ <0&$ )$// :,17(5

‡ 5HGXFH ERG\ ZHLJKW E\ ‡ ,QFUHDVH SK\VLFDO DFWLYLW\ WR PLQXWHV SHU ZHHN

:+2 &$1 3$57,&,3$7(" ,Q RUGHU WR TXDOLI\ IRU WKH SURJUDP \RX PXVW EH DW OHDVW \HDUV ROG RYHUZHLJKW %0, ! DQG DW KLJK ULVN IRU GHYHORSLQJ W\SH GLDEHWHV RU KDYH EHHQ GLDJQRVHG ZLWK SUHGLDEHWHV‚ E\ D KHDOWKFDUH SURYLGHU $VLDQ LQGLYLGXDO V %0, ! ‚,QGLYLGXDOV ZKR KDYH DOUHDG\ EHHQ GLDJQRVHG ZLWK HLWKHU W\SH RU W\SH GLDEHWHV GR QRW TXDOLI\ IRU WKLV SURJUDP

)RU PRUH LQIRUPDWLRQ FRQWDFW -XG\ 2X]LHO DW RU HPDLO \PFDGSS#\PFDQ\F RUJ


(;(5&,6,1* &2857(6<

:KLOH \RX¶UH LPSURYLQJ \RXU OLIH KHOS RWKHUV JURZ VWURQJ WRR :H DVN \RX WR IROORZ WKH < &RGH RI &RQGXFW DQG H[KLELW WKH YDOXHV RI FDULQJ KRQHVW\ UHVSHFW DQG UHVSRQVLELOLW\ ZKLOH \RX¶UH KHUH *HW RULHQWHG 1RW VXUH KRZ WR XVH WKH HTXLSPHQW RU ZKDW \RX VKRXOG EH GRLQJ" 2ULHQWDWLRQV DUH IUHH IRU DOO PHPEHUV -XVW DVN :HµUH KHUH WR KHOS ,I WKHUH¶V D SUREOHP ZLWK DQ\ RI WKH HTXLSPHQW RU WKH IDFLOLW\ SOHDVH OHW D VWDII SHUVRQ NQRZ ,I WKHUHµV DQ LQFLGHQW RU DFFLGHQW FRQWDFW D XQLIRUPHG VWDII SHUVRQ LPPHGLDWHO\ %H VDIH :HDU DSSURSULDWH FORWKLQJ DQG IRRW ZHDU 2SHQ WRHG VKRHV RYHU UHVWLFWLYH RU VWUHHW FORWKHV DUH QRW DOORZHG +DYH D VSRWWHU KHOS \RX ZLWK IUHH ZHLJKWV :DUP XS EHIRUH DQG FRRO GRZQ DIWHU H[HUFLVH 0DNH VXUH \RXµYH KDG HQRXJK WR HDW DQG GULQN EHIRUH H[HUFLVLQJ WR SUHYHQW GL]]LQHVV RU OLJKWKHDGQHVV ,I \RX DUH H[SHULHQFLQJ GL]]LQHVV SDLQ RU XQXVXDO GLVFRPIRUW DW DQ\ WLPH VWRS WKH H[HUFLVH DQG DVN VWDII IRU KHOS

+HOS XV NHHS WKH < FOHDQ :LSH RII HTXLSPHQW DIWHU HDFK XVH 5HWXUQ DOO HTXLSPHQW ZKHQ ¾QLVKHG ZLWK LW 7DNH \RXU SHUVRQDO LWHPV ZLWK \RX 5HPRYH WKH SODWHV IURP OLIWLQJ EDUV ZKHQ \RXµUH GRQH 'RQµW EULQJ IRRG RSHQ FRQWDLQHUV RU FRIIHH FXSV LQWR WKH FHQWHU *LYH RWKHUV D WXUQ 7KH HTXLSPHQW LV KHUH IRU HYHU\RQH WR XVH 3OHDVH UHVSHFW WKH PLQXWH WLPH OLPLW RQ FDUGLR HTXLSPHQW LI RWKHUV DUH ZDLWLQJ DQG IROORZ DQ\ SRVWHG VLJQ XS SURFHGXUHV 6WRULQJ \RXU VWXII /RFNHUV LQ WKH FHQWHU DUH RQO\ PHDQW IRU \RXU SHUVRQDO LWHPV ZKLOH \RX DUH LQ WKH < ,WHPV PD\ QRW EH OHIW RYHUQLJKW <RXWK DUH ZHOFRPH DIWHU FRPSOHWLQJ DQ RULHQWDWLRQ DQG VXEPLWWLQJ D VLJQHG SDUHQWDO FRQVHQW IRUP DJHV

*HW SHUVRQDO 3HUVRQDO WUDLQHUV DUH DYDLODEOH $VN D VWDII SHUVRQ IRU PRUH LQIRUPDWLRQ +DQJ LW XS )RU \RXU VDIHW\ DQG LQ FRQVLGHUDWLRQ IRU RWKHUV SOHDVH UHIUDLQ IURP FHOO SKRQH XVH ZKLOH LQ WKH ¾WQHVV IDFLOLWLHV

7KH <0&$ RI *UHDWHU 1HZ <RUN LV D FRPPXQLW\ VHUYLFH RUJDQL]DWLRQ ZKLFK SURPRWHV SRVLWLYH YDOXHV WKURXJK SURJUDPV WKDW EXLOG VSLULW PLQG DQG ERG\ ZHOFRPLQJ DOO SHRSOH ZLWK D IRFXV RQ \RXWK

-$0$,&$ <0&$ )$// :,17(5 _


,17(51$7,21$/ 6(59,&(6 *52:,1* 285 )8785( */2%$/ /($'(56 7KH <0&$ RIIHUV OLIH FKDQJLQJ FXOWXUDO H[FKDQJH SURJUDPV IRU \RXQJ SHRSOH JOREDOO\ :RUNLQJ ZLWKLQ WKH <0&$ QHWZRUN ° ZLWK RXU ORFDO QDWLRQDO DQG LQWHUQDWLRQDO SDUWQHUV ° ZH EULQJ SHRSOH WRJHWKHU WKURXJK RXU YDULRXV SURJUDPV < */2%$/ 7((16 < */2%$/ /($'(56 < 72 < 3$571(56+,36 81 5(/$7,216 $1' 92/817((5 352*5$06 6LQFH RXU SURJUDPV KDYH EHHQ ZRUNLQJ WR EXLOG JOREDO FLWL]HQV E\ HQKDQFLQJ PXWXDO XQGHUVWDQGLQJ IRVWHULQJ WKH H[FKDQJH RI LGHDV DQG EULQJLQJ SHRSOH WRJHWKHU IRU SHDFH

)RU PRUH LQIRUPDWLRQ FRQWDFW 'LR *LFD DW RU GJLFD#\PFDQ\F RUJ

63(&,$/ 7+$1.6 72 285 %2$5' 2) ',5(&7256 %2$5' &+$,5 '$9,' : 7+20$6 &LWLVKDUH

%2$5' 2) 0$1$*(56

6+(55,.$ )8//(5 %ODFN5RFN ,QF '¶&+,921 *22',1* $VWRULD )HGHUDO 6DYLQJV

*$/( *5((1 * *OREDO &RQVXOWLQJ $17+21< +,// &RQ (GLVRQ )$7+(5 '$55</ -$0(6 3DVWRU *UDFH &KXUFK 0,&+$(/ -2+1621 3UHVLGHQW :RUOG 'LJLWDO ,QF ':$<1( -21(6 6WDWH %DQN RI ,QGLD

5,&+$5' &(/(67,1 (64 &ULPLQDO -XVWLFH $JHQF\ 3$75,&,$ &+,1 3UHVLGHQW 93 5HFRUGV 6+$521 &255(17( '$0,(1 (6&2%$5 6RQ\ 0XVLF (QWHUWDLQPHQW 35,1&( )(/,; 1HZ <RUN &LW\ 'HSDUWPHQW RI (GXFDWLRQ /(( -21(6 &$5/ ),(/'6 -5 1DWLRQDO %DVNHWEDOO ,QWHULP ([HFXWLYH 'LUHFWRU $VVRFLDWLRQ -DPDLFD &HQWHU IRU $UWV DQG /HDUQLQJ _ -$0$,&$ <0&$ )$// :,17(5

'5 0$5&,$ .(,=6 3UHVLGHQW &81< <RUN &ROOHJH .(11(7+ /(9< 1HZ <RUN &LW\ 7UDQVLW .(11(7+ /(:,6 -2+1 02<( 'HSDUWPHQW RI /DERU 6WDWH RI 1HZ <RUN 9(51(77$ 1(/621 $PHULFDQ 3RUWIROLRV 0$5< 5('$ 60,7+ *UHDWHU -DPDLFD 'HYHORSPHQW &RUSRUDWLRQ 0$5&(/ 52%,1 6WDWH )DUP ,QVXUDQFH 3$75,&( 7+203621 7' %DQN

%(51$5' :$55(1 3UHVLGHQW :HEE %URRNHU ,QF 3$8/ :,//,$06 ,QQHU &LW\ +DQGEDOO $VVRFLDWLRQ


/2&$7,216 0$1+$77$1 %5$1&+(6 &KLQDWRZQ <0&$ %RZHU\ 1HZ <RUN 1<

%522./<1 %5$1&+(6 %HGIRUG 6WX\YHVDQW <0&$ %HGIRUG $YHQXH %URRNO\Q 1<

48((16 %5$1&+(6 &URVV ,VODQG <0&$ +LOOVLGH $YHQXH %HOOHURVH 1<

67$7(1 ,6/$1' %5$1&+(6 %URDGZD\ &HQWHU <0&$ %URDGZD\ 6WDWHQ ,VODQG 1<

+DUOHP <0&$ :HVW WK 6WUHHW 1HZ <RUN 1<

'RGJH <0&$ $WODQWLF $YHQXH %URRNO\Q 1<

)OXVKLQJ <0&$ 1RUWKHUQ %OYG )OXVKLQJ 1<

,QWHUQDWLRQDO <0&$ :HVW UG 6WUHHW 1HZ <RUN 1<

)ODWEXVK <0&$ )ODWEXVK $YHQXH %URRNO\Q 1<

-DPDLFD <0&$ 3DUVRQV %OYG 1HZ <RUN 1<

1RUWK 6KRUH &HQWHU <0&$ &RXQVHOLQJ 6HUYLFH 9DQGHUELOW $YHQXH 6WDWHQ ,VODQG 1<

0F%XUQH\ <0&$ :HVW WK 6WUHHW 1HZ <RUN 1<

*UHHQSRLQW <0&$ 0HVHUROH $YHQXH 1HZ <RUN 1<

/RQJ ,VODQG &LW\ <0&$ 4XHHQV %OYG /RQJ ,VODQG &LW\ 1<

9DQGHUELOW <0&$ HDVW WK 6WUHHW 1HZ <RUN 1<

1RUWK %URRNO\Q <0&$ -DPDLFD $YHQXH %URRNO\Q 1<

5LGJHZRRG <0&$ WK 6WUHHW 5LGJHZRRG 1<

:HVW 6LGH <0&$ :HVW UG 6WUHHW 1HZ <RUN 1<

3URVSHFW 3DUN <0&$ 1LQWK 6WUHHW 1HZ <RUN 1<

%URQ[ %UDQFK %URQ[ <0&$ &DVWOH +LOO $YHQXH %URQ[ 1<

3DUN 6ORSH $UPRU\ <0&$ WK 6WUHHW %URRNO\Q 1<

6RXWK 6KRUH &HQWHU <0&$ 5LFKPRQG $YHQXH 6WDWHQ ,VODQG 1< +8*8(127 1< 1HZ <RUN <0&$ &DPS %LJ 3RQG 5RDG +XJXHQRW 1< $662&,$7,21 2)),&( :HVW UG 6WUHHW 1HZ <RUN 1<

-$0$,&$ <0&$ )$// :,17(5 _


-$0$,&$ <0&$ 3DUVRQV %RXOHYDUG -DPDLFD 1HZ <RUN 3 ( MDPDLFD#\PFDQ\F RUJ : \PFDQ\F RUJ MDPDLFD

:(/&20( 72 7+( -$0$,&$ <0&$


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.