You are on page 1of 9



6W0DUNVRQWKH+LOO
+RO\(XFKDULVW1RYHPEHUaGH1RYLHPEUH

DP
$OO6DLQWV'D\a'tDGH7RGRVORV6DQWRV\6DQWDV




3UHOXGH

'DQVH0DFDEUH

+\PQ

:KRDUHWKHVHOLNHVWDUVDSSHDULQJ

/LWXUJ\RIWKH:RUG

&DPLOOH6DLQW6DsQV
+\PQDO

/LWXUJLDGHOD3DODEUD

&HOHEUDQW
%OHVVHGEH*RG)DWKHU6RQDQG+RO\6SLULW

&HOHEUDQWH %HQGLWRVHD'LRV3DGUH+LMR\(VStULWX6DQWR

3HRSOH
 
$QGEOHVVHGEH*RGVNLQJGRPQRZDQG

3XHEOR
<EHQGLWRVHDVXUHLQRDKRUD\SRUVLHPSUH

IRUHYHU$PHQ

$PpQ

&HOHEUDQW
7KHUHLVRQH%RG\DQGRQH6SLULW
3HRSOH
7KHUHLVRQHKRSHLQ*RGVFDOOWRXV

&HOHEUDQWH

+D\XQVROR&XHUSR\XQVROR(VStULWX
3XHEOR
+D\XQDHVSHUDQ]DHQHOOODPDGRTXH

&ROOHFWRIWKH'D\

'LRVQRVKDFH
&HOHEUDQWH
8QVROR6HxRUXQDVROD)HXQVROR%DXWLVPR
3XHEOR 8QVROR'LRV\3DGUHGHWRGRV
&HOHEUDQWH
(O6HxRUVHDFRQXVWHGHV
3XHEOR
<FRQWXHVStULWX
&HOHEUDQWH
2UHPRV
/D&ROHFWD

$OPLJKW\ *RG \RX KDYH  NQLW WRJHWKHU \RXU HOHFWLQRQH 


FRPPXQLRQ DQG IHOORZVKLSLQWKH P\VWLFDOERG\RI\RXU 
6RQ &KULVW RXU  /RUG *LYH  XV JUDFH  VR WR IROORZ \RXU 
EOHVVHG VDLQWV LQ DOO YLUWXRXV DQG JRGO\ OLYLQJ WKDW ZH 
PD\ FRPH  WR WKRVH  LQHIIDEOH  MR\V WKDW \RX KDYH 
SUHSDUHG IRU  WKRVH  ZKR WUXO\ ORYH  \RX WKURXJK -HVXV
&KULVW RXU  /RUGZKRZLWK\RXDQGWKH +RO\6SLULWOLYHV
DQGUHLJQVRQH*RGLQJORU\HYHUODVWLQJ
$PHQ

'LRV WRGRSRGHURVR W~ KDV HQWUHOD]DGR D WXV HOHJLGRV HQ


XQD VROD FRPXQLyQ \ KHUPDQGDG HQ HO FXHUSR PtVWLFR GH 
WX +LMR &ULVWR QXHVWUR 6HxRU 'DQRV JUDFLD SDUD TXH  GH 
WDO PRGR VLJDPRV D WXV EHQGLWRV VDQWRV HQWRGDYLUWXRVD\
VDQWD YLGD TXH  DOFDQFHPRV ORV JR]RV LQHIDEOHV TXH  W~ KDV
SUHSDUDGR SDUD ORV TXH  WH  DPDQ VLQFHUD
PHQWH SRU 
-HVXFULVWR QXHVWUR 6HxRU TXH  FRQWLJR \ HO (VStULWX 6DQWR
YLYH\UHLQDXQVROR'LRVHQJORULDVHPSLWHUQD
$PpQ

&HOHEUDQW
2QH/RUGRQH)DLWKRQH%DSWLVP
3HRSOH
2QH*RGDQG)DWKHURIDOO
&HOHEUDQW
7KH/RUGEHZLWK\RX

3HRSOH
$QGDOVRZLWK\RX
&HOHEUDQW
/HWXVSUD\WRJHWKHU

)LUVW5HDGLQJ

DOODUHVHDWHG


:LVGRPRI6RORPRQ 3ULPHUD/HFWXUD

SXHGHQVHQWDUVH

6DELGXUtD
7KH  VRXOV RI WKH  ULJKWHRXV DUH  LQ WKH KDQGRI*RGDQGQR
/DV DOPDV GH  ORV EXHQRV HVWiQ HQ ODV PDQRV GH  'LRV \ HO
WRUPHQW ZLOO HYHU WRXFK WKHP ,Q WKH  H\HV RI WKH  IRROLVK WRUPHQWR QR ODV DOFDQ]DUi /RV LQVHQVDWRV FUHHQ TXH  ORV
WKH\ VHHPHG WR KDYH  GLHG DQG WKHLU GHSDUWXUH  ZDV EXHQRV HVWiQ PXHUWRV FRQVLGHUDQ VX PXHUWH  FRPR XQD 
WKRXJKW WR EH  D  GLVDVWHU DQG WKHLU JRLQJ IURP XV WR EH 
GHVJUDFLD \ FRPR XQD  FDODPLGDG HO KDEHUVH  DOHMDGR GH 
WKHLU GHVWUXFWLRQ EXW WKH\ DUH  DW SHDFH )RUWKRXJKLQWKH 
QRVRWURV 3HUR ORV EXHQRV HVWiQHQSD]DXQTXH D ORVRMRVGH 
VLJKW RI RWKHUV WKH\ ZHUH  SXQLVKHG WKHLU KRSH  LV IXOO RI ORV KRPEUHV SDUHFtDQ FDVWLJDGRV DEULJDEDQ OD  HVSHUDQ]D  GH 
LPPRUWDOLW\ +DYLQJ EHHQ GLVFLSOLQHG D  OLWWOH WKH\ ZLOO
QR WHQHU TXH  PRULU 'HVSXpV GH  VXIULU SHTXHxRV FDVWLJRV
UHFHLYH  JUHDW JRRG EHFDXVH  *RG WHVWHG WKHP DQG IRXQG UHFLELUiQ JUDQGHV EHQHILFLRV SRUTXH  'LRV ORVSXVRD SUXHED 
WKHP ZRUWK\ RI KLPVHOI OLNH  JROG LQ WKH  IXUQDFH  KH  WULHG
\ ORV KDOOy GLJQRV GH  pO /RV SUREy FRPRDORURHQHOFULVRO
WKHP DQG OLNH  D  VDFULILFLDO EXUQW RIIHULQJ KH  DFFHSWHG \ORVDFHSWyFRPRXQVDFULILFLRRIUHFLGRHQHODOWDU(OGtD HQ
WKHP ,Q WKH  WLPH  RI WKHLU YLVLWDWLRQ WKH\ ZLOO VKLQH  IRUWK
TXH  HO 6HxRU YHQJD  D  MX]JDUORV UHVSODQGHFHUiQ FRPR
DQG ZLOO UXQ OLNH  VSDUNV WKURXJK WKH  VWXEEOH 7KH\ ZLOO
DQWRUFKDV FRPR FKLVSDV TXH  SUHQGHQ HQWUH  HO UDVWURMR
JRYHUQ QDWLRQV DQG UXOH  RYHU SHRSOHV DQG WKH  /RUG ZLOO
-X]JDUiQ D  ODV QDFLRQHV \ JREHUQDUiQ D  ORV SXHEORV \ HO
UHLJQ RYHU WKHP IRUHYHU 7KRVH  ZKR WUXVW LQ KLP ZLOO 6HxRU UHLQDUi VREUH HOORVSDUD VLHPSUH/RVTXH FRQItDQHQHO
XQGHUVWDQG WUXWK DQG WKH  IDLWKIXO ZLOO DELGH  ZLWK KLP LQ
6HxRU FRPSUHQGHUiQ OD  YHUGDG \ ORV ILHOHV SHUPDQHFHUiQ D 
ORYH EHFDXVH  JUDFH  DQG PHUF\ DUH  XSRQ KLV KRO\ RQHV VX ODGR FRQ DPRU SXHV 'LRV HV EXHQR \ IDYRUHFH  D  VXV
DQGKHZDWFKHVRYHUKLVHOHFW
HOHJLGRV


5HDGHU
7KH:RUGRIWKH/RUG

3HRSOH

7KDQNVEHWR*RG

5HDGHU

3DODEUDGHO6HxRU
3XHEOR

'HPRVJUDFLDVD'LRV


3VDOP


VXQJE\WKHFKRLU

%&3S  

6DOPR

7KHHDUWKLVWKH/25'
6DQGDOOWKDWLVLQLW 

WKHZRUOGDQGDOOZKRGZHOOWKHUHLQ
'HO6HxRUHVODWLHUUD\VXSOHQLWXG 
HOPXQGR\ORVTXHHQpOKDELWDQ
)RULWLVKHZKRIRXQGHGLWXSRQWKHVHDV 
DQGPDGHLWILUPXSRQWKHULYHUVRIWKHGHHS
3RUTXHpOODIXQGyVREUHORVPDUHV 
\ODDILUPyVREUHORVUtRVGHODELVPR
:KRFDQDVFHQGWKHKLOORIWKH/25'" 
DQGZKRFDQVWDQGLQKLVKRO\SODFH"
4XLpQVXELUiDOPRQWHGHO6HxRU" 
<TXLpQHVWDUiHQVXVDQWROXJDU"
7KRVHZKRKDYHFOHDQKDQGVDQGDSXUHKHDUW 
ZKRKDYHQRWSOHGJHGWKHPVHOYHVWRIDOVHKRRG
(OOLPSLRGHPDQRV\SXURGHFRUD]yQ 
QRUVZRUQE\ZKDWLVDIUDXG
HOTXHQRKDHOHYDGRVXPHQWHDXQtGROR
QLMXUDGRSRUGLRVIDOVR
7KH\VKDOOUHFHLYHDEOHVVLQJIURPWKH/25' 
DQGDMXVWUHZDUGIURPWKH*RGRIWKHLUVDOYDWLRQ
5HFLELUiEHQGLFLyQGHO6HxRU 
\UHFRPSHQVDPHUHFLGDGHO'LRVGHVXVDOYDFLyQ
6XFKLVWKHJHQHUDWLRQRIWKRVHZKRVHHNKLP 
RIWKRVHZKRVHHN\RXUIDFH2*RGRI-DFRE
7DOHVODJHQHUDFLyQGHORVTXHOHEXVFDQ 
GHORVTXHEXVFDQWXURVWURRK'LRVGH-DFRE
/LIWXS\RXUKHDGV2JDWHV
OLIWWKHPKLJK2HYHUODVWLQJGRRUV 
$OFHQRKSXHUWDVVXVFDEH]DV
DQGWKH.LQJRIJORU\VKDOOFRPHLQ
iOFHQVHRKSXHUWDVGHO(WHUQR 
\HQWUDUiHO5H\GHJORULD
:KRLVWKLV.LQJRIJORU\" 
7KH/25'VWURQJDQGPLJKW\
4XLpQHVHVWH5H\GHJORULD" 
WKH/25'PLJKW\LQEDWWOH
(O6HxRUIXHUWH\YDOLHQWHHO6HxRU
SRGHURVRHQEDWDOOD
/LIWXS\RXUKHDGV2JDWHV
OLIWWKHPKLJK2HYHUODVWLQJGRRUV 
$OFHQRKSXHUWDVVXVFDEH]DV
DQGWKH.LQJRIJORU\VKDOOFRPHLQ
iOFHQVHRKSXHUWDVGHO(WHUQR 
\HQWUDUiHO5H\GHJORULD
:KRLVKHWKLV.LQJRIJORU\" 
7KH/25'RIKRVWVKHLVWKH.LQJRIJORU\
4XLpQHVpOHO5H\GHJORULD" 

(O6HxRUGHODVKXHVWHVpOHVHO5H\GHJORULD
7KH(SLVWOH
5HYHODWLRQD

, VDZ D  QHZ KHDYHQ DQG D  QHZ HDUWK IRU WKH  ILUVW KHDYHQ
/D(StVWROD
5HYHODFLyQD
DQG WKH  ILUVW HDUWK KDG SDVVHG DZD\ DQG WKH  VHD  ZDV QR
PRUH $QG ,VDZWKH KRO\FLW\WKH QHZ-HUXVDOHPFRPLQJ 'HVSXpV YL XQ FLHOR QXHYR \ XQD  WLHUUD  QXHYD SRUTXH  HO
GRZQ RXW RI KHDYHQ IURP *RG SUHSDUHG DV D  EULGH  SULPHU FLHOR \ OD  SULPHUD  WLHUUD  KDEtDQ GHMDGR GH  H[LVWLU \
DGRUQHG IRU KHU KXVEDQG $QG , KHDUG D  ORXG YRLFH  IURP WDPELpQ HO PDU 9L OD  FLXGDG VDQWD OD  QXHYD  -HUXVDOpQ TXH 
WKH  WKURQH  VD\LQJ 6HH WKH  KRPH  RI *RG LV DPRQJ EDMDED  GHO FLHOR GH  OD  SUHVHQFLD  GH  'LRV (VWDED  DUUHJODGD 
PRUWDOV +H  ZLOO GZHOO ZLWK WKHP DV WKHLU *RG WKH\ ZLOO FRPR XQD  QRYLD  YHVWLGD  SDUD  VX SURPHWLGR < Rt XQD  IXHUWH 
EH  KLV SHRSOHV DQG *RG KLPVHOI ZLOO EH  ZLWK WKHP KH 
YR]  TXH  YHQtD  GHO WURQR \ TXH  GHFtD $TXt HVWi  HO OXJDU
ZLOO ZLSH  HYHU\ WHDU IURP WKHLU H\HV 'HDWK ZLOO EH  QR GRQGH  'LRV YLYH  FRQ ORV KRPEUHV 9LYLUi  FRQ HOORV \ HOORV
PRUH PRXUQLQJ DQG FU\LQJ DQG SDLQ ZLOO EH QRPRUHIRU
VHUiQ VXV SXHEORV \ 'LRV PLVPR HVWDUi  FRQ HOORV FRPR VX
WKH  ILUVW WKLQJV KDYH  SDVVHG DZD\ $QG WKH RQH ZKRZDV 'LRV 6HFDUi  WRGDV ODV OiJULPDV GH  HOORV \ \D  QR KDEUi 
VHDWHG RQ WKH  WKURQH  VDLG 6HH , DP PDNLQJ DOO WKLQJV PXHUWH QL OODQWR QL ODPHQWR QL GRORU SRUTXH  WRGR OR TXH 
QHZ $OVR KH  VDLG :ULWH  WKLV IRU WKHVH  ZRUGV DUH  DQWHV H[LVWtD  KD  GHMDGR GH  H[LVWLU(OTXH HVWDED VHQWDGRHQ
WUXVWZRUWK\DQGWUXH7KHQKH VDLGWRPH,WLVGRQH,DP HO WURQR GLMR <R KDJR QXHYDV WRGDVODVFRVDV<WDPELpQ
WKH$OSKDDQGWKH2PHJDWKHEHJLQQLQJDQGWKHHQG
GLMR (VFULEH SRUTXH  HVWDV SDODEUDV VRQ YHUGDGHUDV \

GLJQDV GH  FRQILDQ]D'HVSXpVPH GLMR<D HVWi KHFKR<R

VR\HODOID\ODRPHJDHOSULQFLSLR\HOILQ
5HDGHU
7KH:RUGRIWKH/RUG


3HRSOH

7KDQNVEHWR*RG

5HDGHU

3DODEUDGHO6HxRU
3XHEOR

'HPRVJUDFLDVD'LRV




*RVSHO+\PQ

$OOHOX\D

7UDGLWLRQDO

7UDQVODWLRQ$OOHOXLDDOOHOXLDDOOHOXLD7KH/DPERI*RGLVDOUHDG\KHUH
+HUHPRYHVWKHVLQVRIWKHZRUOG$OOHOXLD7KH/DPERI*RGLVDOUHDG\KHUH 

*RVSHO5HDGLQJ
-RKQ (O(YDQJHOLR
6DQ-XDQ
'HDFRQ

7KH+RO\*RVSHORIRXU/RUG-HVXV&KULVW

'LiFRQR

(O6DQWR(YDQJHOLRGH1XHVWUR6HxRU

DFFRUGLQJWR-RKQ
3HRSOH

*ORU\WR\RX/RUG&KULVW

-HVXFULVWR 
VHJ~Q6DQ-XDQ
3XHEOR

*ORULDDWL&ULVWR6HxRU

:KHQ 0DU\ FDPH  ZKHUH  -HVXVZDVDQGVDZKLPVKH NQHOW


DW KLV IHHWDQGVDLGWRKLP/RUGLI\RXKDGEHHQKHUHP\
EURWKHU ZRXOG QRW KDYH  GLHG :KHQ -HVXV VDZ KHU
ZHHSLQJ DQG WKH  -HZV ZKR FDPH  ZLWK KHU DOVR ZHHSLQJ
KH  ZDV JUHDWO\ GLVWXUEHG LQ VSLULW DQG GHHSO\ PRYHG +H 
VDLG :KHUH  KDYH \RXODLGKLP"7KH\VDLGWRKLP/RUG
FRPH  DQG VHH -HVXV EHJDQ WR ZHHS 6R WKH  -HZV VDLG
6HH  KRZ KH  ORYHG KLP %XW VRPH  RI WKHP VDLG &RXOG
QRW KH  ZKR RSHQHG WKH  H\HV RI WKH  EOLQG PDQ KDYH  NHSW
WKLV PDQ IURP G\LQJ" 7KHQ -HVXV DJDLQ JUHDWO\
GLVWXUEHG FDPH  WR WKH  WRPE ,W ZDV D  FDYH DQG D  VWRQH 
ZDVO\LQJDJDLQVWLW
-HVXV VDLG 7DNH  DZD\WKH VWRQH0DUWKDWKH VLVWHURIWKH 
GHDG PDQ VDLG WR KLP /RUG DOUHDG\ WKHUH  LV D  VWHQFK
EHFDXVH  KH  KDV EHHQ GHDG IRXU GD\V -HVXV VDLG WR KHU
'LG , QRW WHOO\RXWKDWLI\RXEHOLHYHG\RXZRXOGVHH WKH 
JORU\ RI *RG" 6R WKH\ WRRN DZD\ WKH  VWRQH $QG -HVXV
ORRNHG XSZDUG DQG VDLG )DWKHU , WKDQN \RX IRU KDYLQJ
KHDUG PH , NQHZ WKDW \RXDOZD\VKHDUPHEXW,KDYH VDLG
WKLV IRU WKH  VDNH  RI WKH  FURZG VWDQGLQJ KHUH VR WKDW WKH\
PD\ EHOLHYH  WKDW \RX VHQW PH :KHQ KH  KDG VDLGWKLVKH 
FULHG ZLWK D  ORXG YRLFH /D]DUXV FRPH  RXW 7KH  GHDG
PDQ FDPH  RXW KLV KDQGV DQG IHHW ERXQG ZLWK VWULSV RI
FORWKDQGKLVIDFHZUDSSHGLQDFORWK
-HVXVVDLGWRWKHP8QELQGKLPDQGOHWKLPJR

&XDQGR 0DUtD  OOHJy D  GRQGH  HVWDED  -HV~V VH  SXVR GH 


URGLOODV D  VXV SLHV GLFLHQGR 6HxRUVLKXELHUDVHVWDGR
DTXt PL KHUPDQR QR KDEUtD  PXHUWR -HV~V DOYHUOORUDUD 
0DUtD  \ D  ORV MXGtRV TXH  KDEtDQ OOHJDGR FRQ HOOD VH 
FRQPRYLy SURIXQGDPHQWH  \ VH  HVWUHPHFLy \ OHV
SUHJXQWy 'yQGH  OR VHSXOWDURQ"  /H GLMHURQ9HQD 
YHUOR 6HxRU < -HV~V OORUy /RV MXGtRVGLMHURQHQWRQFHV
0LUHQ FXiQWR OR TXHUtD 3HUR DOJXQRV GH  HOORV
GHFtDQ eVWH TXH  GLR OD  YLVWD  DO FLHJR QR SRGUtD 
KDEHU KHFKR DOJR SDUD  TXH  /i]DUR QR PXULHUD"  -HV~V
RWUD  YH]  PX\ FRQPRYLGR VH  DFHUFy D  OD  WXPED (UD  XQD 
FXHYDFX\DHQWUDGDHVWDEDWDSDGDFRQXQDSLHGUD
-HV~V GLMR 4XLWHQ OD  SLHGUD 0DUWD OD  KHUPDQD  GHO
PXHUWR OH  GLMR 6HxRU \D  KXHOH  PDO SRUTXH  KDFH 
FXDWUR GtDV TXH  PXULy -HV~V OH  FRQWHVWy 1R WH  GLMH 
TXH VL FUHHV YHUiV OD JORULD GH 'LRV" 4XLWDURQOD SLHGUD
\ -HV~V PLUDQGR DO FLHOR GLMR 3DGUH WH  GR\ JUDFLDV
SRUTXH  PH  KDV HVFXFKDGR <R Vp  TXH  VLHPSUH  PH 
HVFXFKDV SHUR OR GLJR SRU HO ELHQGH HVWD JHQWH TXH HVWi 
DTXt SDUD  TXH  FUHDQ TXH  W~ PH  KDVHQYLDGR'HVSXpVGH 
GHFLU HVWR JULWy /i]DUR VDO GH  DKt < HO TXH  KDEtD 
HVWDGR PXHUWR VDOLy FRQ ODV PDQRV\ORVSLHVDWDGRVFRQ
YHQGDV\ODFDUDHQYXHOWDHQXQOLHQ]R
-HV~VOHVGLMR'HViWHQOR\GpMHQORLU

'HDFRQ

7KH*RVSHORIWKH/RUG
3HRSOH
3UDLVHWR\RX/RUG&KULVW

&HOHEUDQWH

(O(YDQJHOLRGHO6HxRU
3XHEOR
7HDODEDPRV&ULVWR6HxRU


6HUPRQ

7KH5HY$GULHQ'DZVRQ




+RO\%DSWLVP
3UHVHQWDWLRQ RI WKH &DQGLGDWH

6DQWR%DXWLVPR
%&3S 3UHVHQWDWLRQRIWKH&DQGLGDWH



/2&S

&HOHEUDQWH
4XHHO&DQGLGDWRDO6DQWR%DXWLVPRVHD

SUHVHQWDGRDKRUD
3DGULQR

3UHVHQWyD9LYLDQ1ZDFKXNXSDUDTXHUHFLED


SUHVHQWHG
HO6DFUDPHQWRGHO%DXWLVPR

6SRQVRU



,SUHVHQW

9LYLDQ1ZDFKXNXWRUHFHLYHWKH
&HOHEUDQWH
4XLHUHVVHUEDXWL]DGR"


6DFUDPHQWRI%DSWLVP
&DQGLGDWR
6t\RTXLHUR
&HOHEUDQW
'R\RXGHVLUHWREHEDSWL]HG"
&HOHEUDQWH
5HQXQFLDVD6DWDQiV\DWRGDVODVIXHU]DV
&DQGLGDWH

,GR


H

VSLULWXDOHVGHOPDOTXHVHUHEHODQFRQWUD'LRV"
&HOHEUDQW

'R\RXUHQRXQFH6DWDQDQGDOOWKHVSLULWXDO
&DQGLGDWH

/DVUHQXQFLR
IRUFHVRIZLFNHGQHVVWKDWUHEHODJDLQVW*RG"
&HOHEUDQWH
5HQXQFLDVDORVSRGHUHVPDOLJQRVGHHVWH
&DQGLGDWH
,UHQRXQFHWKHP

 
PXQGRTXHFRUURPSHQ\GHVWUX\HQDODV
&HOHEUDQW

'R\RXUHQRXQFHWKHHYLOSRZHUVRIWKLVZRUOG



F ULDWXUDVGH'LRV"


ZKLFKFRUUXSWDQGGHVWUR\WKHFUHDWXUHVRI*RG" 

&DQGLGDWH
/RVUHQXQFLR
&HOHEUDQWH 5HQXQFLDV D  WRGRV ORV GHVHRV SHFDPLQRVRV
&DQGLGDWH
,UHQRXQFHWKHP
TXH
&HOHEUDQW

'R\RXUHQRXQFHDOOVLQIXOGHVLUHVWKDWGUDZ
WHDSDUWDQGHODPRUGH'LRV"
\RXIURPWKHORYHRI*RG"
&DQGLGDWH
/RVUHQXQFLR
&DQGLGDWH
,UHQRXQFHWKHP
7HHQWUHJDVD-HVXFULVWR\OHDFHSWDVFRPRWX
&HOHEUDQW

'R\RXWXUQWR-HVXV&KULVWDQGDFFHSWKLPDV &HOHEUDQWH
6DOYDGRU"
\RXU6DYLRU"
&DQGLGDWH
6tPHHQWUHJR\OHDFHSWR
&DQGLGDWH
,GR
&HOHEUDQWH
&RQItDVHQWHUDPHQWHHQVXJUDFLD\DPRU" 
&HOHEUDQW

'R\RXSXW\RXUZKROHWUXVWLQKLVJUDFHDQG



ORYH"
&DQGLGDWH
6tFRQItR
&DQGLGDWH
,GR
3URPHWHVVHJXLUOH\REHGHFHUOHFRPRWX6HxRU" 
&HOHEUDQW
'R \RX SURPLVH  WR IROORZ DQG REH\ KLP DV &HOHEUDQWH
&HOHEUDQW


7KH&DQGLGDWHIRU+RO\%DSWLVPZLOOQRZEH

\RXU
/RUG"
&DQGLGDWH
,GR

&DQGLGDWH
6tORSURPHWR

'HVSXpV GH TXHWRGRVKD\DQVLGRSUHVHQWDGRVHO&HOHEUDQWHGLFH


DODFRQJUHJDFLyQ

$IWHU WKH FDQGLGDWH KDV EHHQ SUHVHQWHG WKH&HOHEUDQWDGGUHVVHV


8VWHGHV WHVWLJRV GH  HVWRV YRWRV KDUiQ WRGR FXDQWR
WKHFRQJUHJDWLRQVD\LQJ

:LOO\RXZKRZLWQHVVWKHVH YRZVGRDOOLQ\RXUSRZHUWR
VXSSRUWWKHPLQWKHLUOLIHLQ&KULVW"
3HRSOH

:HZLOO
%DSWLVPDO&RYHQDQW
%&3S
&HOHEUDQW

'R\RXEHOLHYHLQ*RGWKH)DWKHU"
3HRSOH

,EHOLHYHLQ*RGWKH)DWKHUDOPLJKW\

SXHGDQSDUDVRVWHQHUDHVWDSHUVRQDHQVXYLGDHQ&ULVWR"
3XHEOR
$VtORKDUHPRV

3DFWR%DXWLVPDO

/2&S

&HOHEUDQWH
&UHHVHQ'LRV3DGUH"
3XHEOR
&UHRHQ'LRV3DGUHWRGRSRGHURVR

FUHDGRUGHOFLHOR\GHODWLHUUD
&HOHEUDQWH
&UHHVHQ-HVXFULVWRHO+LMRGH'LRV"
3XHEOR
 &UHR HQ -HVXFULVWR VX ~QLFR +LMR QXHVWUR
6HxRU )XH  FRQFHELGR SRU  REUD \ JUDFLD GHO (VStULWX
6DQWR \ QDFLy GH  OD 9LUJHQ 0DUtD 3DGHFLy EDMR HO
SRGHU  GH  3RQFLR 3LODWR )XH  FUXFLILFDGR PXHUWR \
VHSXOWDGR 'HVFHQGLy D ORV LQILHUQRV $O WHUFHU  GtD
UHVXFLWy GH  HQWUH  ORV PXHUWRV 6XELy D ORV FLHORV \ HVWi
VHQWDGR D OD GHUHFKD GH  'LRV 3DGUH 'HVGH  DOOt KD GH 
YHQLUDMX]JDUDYLYRV\PXHUWRV

FUHDWRURIKHDYHQDQGHDUWK
&HOHEUDQW

'R\RXEHOLHYHLQ-HVXV&KULVWWKH6RQRI*RG"
3HRSOH
, EHOLHYH  LQ -HVXV &KULVW KLV RQO\ 6RQ RXU 
/RUG +H  ZDV FRQFHLYHG E\ WKH  SRZHU  RI WKH  +RO\
6SLULW DQG ERUQ RI WKH  9LUJLQ 0DU\ +H  VXIIHUHGXQGHU 
3RQWLXV 3LODWH ZDV FUXFLILHG GLHG DQG ZDV EXULHG+H 
GHVFHQGHG WR WKH  GHDG 2Q WKH  WKLUG GD\ KH  URVH  DJDLQ
+H  DVFHQGHG LQWR KHDYHQ DQG LV VHDWHG DW WKH  ULJKW
KDQG RI WKH  )DWKHU +H  ZLOO FRPH  DJDLQ WR MXGJH  WKH 

OLYLQJDQGWKHGHDG
&HOHEUDQWH
&UHHVHQ'LRVHO(VStULWX6DQWR"

3XHEOR
&UHR HQ HO (VStULWX 6DQWR OD VDQWD ,JOHVLD
&HOHEUDQW

'R\RXEHOLHYHLQ*RGWKH+RO\6SLULW"
FDWyOLFD OD FRPXQLyQ GH  ORV VDQWRV HO SHUGyQ GH  ORV


3HRSOH

,
 EHOLHYH  LQ WKH  +RO\ 6SLULW WKH  KRO\ FDWKROLF 
&KXUFK WKH  FRPPXQLRQ RI VDLQWV WKH  IRUJLYHQHVV RI
VLQV WKH  UHVXUUHFWLRQ RI WKH  ERG\ DQG WKH  OLIH 
HYHUODVWLQJ
&HOHEUDQW

:LOO\RXFRQWLQXHLQWKHDSRVWOHVWHDFKLQJDQG
IHOORZVKLSLQWKHEUHDNLQJRIEUHDGDQGLQWKH 
SUD\HUV"
3HRSOH

,ZLOOZLWK*RGVKHOS
&HOHEUDQW
:LOO \RX SHUVHYHUH  LQ UHVLVWLQJ HYLO DQG
ZKHQHYHU\RXIDOOLQWRVLQUHSHQWDQGUHWXUQWRWKH/RUG"
3HRSOH

,ZLOOZLWK*RGVKHOS
&HOHEUDQW

:LOO\RXSURFODLPE\ZRUGDQGH[DPSOHWKH
*RRG1HZVRI*RGLQ&KULVW"
3HRSOH

,ZLOOZLWK*RGVKHOS
&HOHEUDQW

:LOO\RXVHHNDQGVHUYH&KULVWLQDOOSHUVRQV
ORYLQJ\RXUQHLJKERUDV\RXUVHOI"
3HRSOH

,ZLOOZLWK*RGVKHOS
&HOHEUDQW

:LOO\RXVWULYHIRUMXVWLFHDQGSHDFHDPRQJDOO
SHRSOHDQGUHVSHFWWKHGLJQLW\RIHYHU\KXPDQ
EHLQJ"
3HRSOH

,ZLOOZLWK*RGVKHOS

SHFDGRV OD UHVXUUHFFLyQ GH  ORV PXHUWRV \ OD YLGD


HWHUQD
&HOHEUDQWH &RQWLQXDUiV HQ OD  HQVHxDQ]D  \ FRPXQLyQ GH 
ORV
DSyVWROHVHQODIUDFFLyQGHOSDQ\HQODV
RUDFLRQHV"
3XHEOR
$VtORKDUpFRQHODX[LOLRGH'LRV
&HOHEUDQWH
3HUVHYHUDUiVHQUHVLVWLUDOPDO\FXDQGRFDLJDV
HQSHFDGRWHDUUHSHQWLUiV\WHYROYHUiVDO6HxRU" 
3XHEOR
$VtORKDUpFRQHODX[LOLRGH'LRV
&HOHEUDQWH
3URFODPDUiVSRUPHGLRGHODSDODEUD\HO
HMHPSORODV%XHQDV1XHYDVGH'LRVHQ&ULVWR"
3XHEOR
$VtORKDUpFRQHODX[LOLRGH'LRV
&HOHEUDQWH
%XVFDUiV\VHUYLUiVD&ULVWRHQWRGDVODV 
SHUVRQDVDPDQGRDWXSUyMLPRFRPRDWLPLVPR"
3XHEOR
$VtORKDUpFRQHODX[LOLRGH'LRV
&HOHEUDQWH
/XFKDUiVSRUODMXVWLFLD\ODSD]HQWUHWRGRVORV
SXHEORV\UHVSHWDUiVODGLJQLGDGGHWRGRVHU
KXPDQR"
3XHEOR
$VtORKDUpFRQHODX[LOLRGH'LRV


3OHJDULDVSRUHO&DQGLGDWR
/2&S
2UHPRVDKRUDSRU9LYLDQ1ZDFKXNXTXHYDD
3UD\HUVIRUWKH&DQGLGDWH
%&3S &HOHEUDQWH
&HOHEUDQW
/HW XV QRZ SUD\ IRU 9LYLDQ 1ZDFKXNX ZKR LV UHFLELUHO6DFUDPHQWRGHOQXHYRQDFLPLHQWR
/HWDQLVWD
/tEUDOHRK6HxRUGHOFDPLQRGHOSHFDGR\GHODPXHUWH
WR
3XHEOR
6HxRUDWLHQGHQXHVWUDV~SOLFD
UHFHLYHWKH6DFUDPHQWRIQHZELUWK


/HDGHU
'HOLYHU KHU 2 /RUG IURP WKH  ZD\ RI VLQ DQG
GHDWK
3HRSOH

/RUGKHDURXUSUD\HU
/HDGHU

2SHQKHUKHDUWWR\RXUJUDFHDQGWUXWK
3HRSOH

/RUGKHDURXUSUD\HU

/HDGHU
.HHSKHULQWKHIDLWKDQGFRPPXQLRQRI\RXUKRO\

&KXUFK
3HRSOH

/RUGKHDURXUSUD\HU
/HDGHU

7HDFKKHUWRORYHRWKHUVLQWKHSRZHURIWKH6SLULW
3HRSOH

/RUGKHDURXUSUD\HU
/HDGHU

6HQGKHULQWRWKHZRUOGLQZLWQHVVWR\RXUORYH
3HRSOH

/RUGKHDURXUSUD\HU
/HDGHU

%ULQJKHUWRWKHIXOOQHVVRI\RXUSHDFHDQGJORU\
3HRSOH

/RUGKHDURXUSUD\HU
&HOHEUDQW
*UDQW2/RUGWKDWDOOZKRDUH EDSWL]HGLQWRWKH 
GHDWK RI -HVXV &KULVW \RXU 6RQ PD\ OLYH  LQ WKH  SRZHU RI
KLV UHVXUUHFWLRQ DQG ORRN IRU KLPWRFRPH DJDLQLQJORU\
ZKROLYHVDQGUHLJQVQRZDQGIRUHYHU$PHQ


3URFHVVLRQDO+\PQ

%DSWL]HGLQ:DWHU
/(9

3UD\HUVRI5HPHPEUDQFHIRU$OOWKH6DLQWV

3XHEOR
6HxRUDWLHQGHQXHVWUDV~SOLFD
/HWDQLVWD
/OpYDOHFRQWXVDQWR(VStULWXYLYLILFDGRU
3XHEOR
6HxRUDWLHQGHQXHVWUDV~SOLFD
/HWDQLVWD

/HDGHU

)LOOKHUZLWK\RXUKRO\DQGOLIHJLYLQJ6SLULW
3HRSOH

/RUGKHDURXUSUD\HU

7KDQNVJLYLQJRYHUWKH:DWHU

/HWDQLVWD
1~WUHOH6HxRUFRQWXSDODEUD\FRQHOSDQGHOFLHOR

&RQVpUYDOH  HQ OD  IH  \ FRPXQLyQ GH  WX VDQWD 

,JOHVLD
3XHEOR
6HxRUDWLHQGHQXHVWUDV~SOLFD
/HWDQLVWD

(QVpxDOHDDPDU\DQXWULUDORVGHPiVHQHO
SRGHUGHO(VStULWX
3XHEOR
6HxRUDWLHQGHQXHVWUDV~SOLFD
/HWDQLVWD
(QYtDOHDOPXQGRFRPRWHVWLJRVGHWXDPRU
3XHEOR
6HxRUDWLHQGHQXHVWUDV~SOLFD
/HWDQLVWD
/OpYDOHVDODSOHQLWXGGHWXSD]\GHWXJORULD
3XHEOR
6HxRUDWLHQGHQXHVWUDV~SOLFD
&HOHEUDQWH &RQFHGH RK 6HxRU TXH  WRGRV ORV TXH  VRQ
EDXWL]DGRV HQ OD  PXHUWH  GH  -HVXFULVWRWX+LMRYLYDQHQHO
SRGHU GH  VX UHVXUUHFFLyQ \ HVSHUHQ VX YHQLGD  HQ JORULD
TXLHQYLYH\UHLQDDKRUD\SRUVLHPSUH$PpQ


&DQWRGH3URFHVLyQ

%DSWL]HGLQ:DWHU
/(9

2UDFLyQGHODFRQPHPRUDFLyQGH7RGRVORV6DQWRV
$FFLyQGH*UDFLDVVREUHHO$JXD

/2&S

&HOHEUDQWH
(O6HxRUVHDFRQXVWHGHV
<FRQWXHVStULWX
%&3S 3XHEOR
&HOHEUDQWH
'HPRVJUDFLDVD'LRVQXHVWUR6HxRU


&HOHEUDQW

7KH/RUGEHZLWK\RX
3HRSOH

$QGDOVRZLWK\RX
&HOHEUDQW


/HWXVJLYHWKDQNVWRWKH/RUGRXU*RG
3HRSOH

,WLVULJKWWRJLYHKLPWKDQNVDQGSUDLVH



:H  WKDQN \RX $OPLJKW\ *RG IRUWKH JLIWRIZDWHU2YHU
LW WKH  +RO\ 6SLULW PRYHG LQ WKH  EHJLQQLQJ RI FUHDWLRQ
7KURXJK LW \RX OHG WKH  FKLOGUHQ RI ,VUDHO RXW RI WKHLU
ERQGDJH LQ(J\SWLQWRWKH ODQGRISURPLVH,QLW\RXU6RQ
-HVXV UHFHLYHG WKH  EDSWLVP RI -RKQ DQG ZDV DQRLQWHG E\
WKH  +RO\ 6SLULW DV WKH  0HVVLDK WKH  &KULVW WR OHDG XV
WKURXJK KLV GHDWK DQG UHVXUUHFWLRQ IURP WKH  ERQGDJH  RI
VLQ LQWR HYHUODVWLQJ OLIH :H  WKDQN \RX )DWKHU IRU WKH 
ZDWHU RI %DSWLVP ,Q LW ZH  DUH  EXULHG ZLWK &KULVW LQ KLV
GHDWK %\ LW ZH  VKDUH  LQ KLV UHVXUUHFWLRQ 7KURXJK LW ZH 
DUH  UHERUQ E\ WKH  +RO\ 6SLULW 7KHUHIRUH  LQ MR\IXO
REHGLHQFH  WR \RXU 6RQ ZH  EULQJ LQWR KLV IHOORZVKLS
WKRVH  ZKR FRPH  WR KLP LQ IDLWK EDSWL]LQJ WKHP LQ WKH 
1DPH  RI WKH  )DWKHU DQG RI WKH  6RQ DQG RI WKH  +RO\
6SLULW 1RZ VDQFWLI\ WKLV ZDWHU ZH  SUD\ \RX E\ WKH 
SRZHU RI \RXU +RO\ 6SLULW WKDW WKRVH  ZKR KHUH  DUH 
FOHDQVHG IURP VLQ DQG ERUQ DJDLQ PD\ FRQWLQXH  IRU HYHU
LQ WKH  ULVHQ OLIH  RI -HVXV &KULVW RXU 6DYLRU 7R KLP WR
\RX DQG WR WKH  +RO\ 6SLULW EH  DOO KRQRU DQGJORU\QRZ
DQGIRUHYHU
$PHQ


%DSWLVP

%&3S

3XHEOR
(VMXVWRGDUOHJUDFLDV\DODEDQ]D


&HOHEUDQWH
7H GDPRVJUDFLDV3DGUH WRGRSRGHURVRSRUHO

GRQ GHO DJXD 6REUH  HOOD HO (VStULWX 6DQWRVH PRYtD HQHO
SULQFLSLR GH  OD  FUHDFLyQ $ WUDYpV GH  HOOD VDFDVWH  D  ORV
KLMRV GH  ,VUDHO GH  OD  HVFODYLWXG HQ (JLSWR D  OD  WLHUUD 
SURPHWLGD (Q HOOD WX +LMR -HV~V UHFLELy HO EDXWLVPR GH 
-XDQ\IXH XQJLGRSRUHO(VStULWX6DQWRFRPRHO0HVtDVHO
&ULVWR TXH  KDEUtD GH  VDFDUQRV SRU VX PXHUWH  \
UHVXUUHFFLyQ GH  OD  HVFODYLWXG GHO SHFDGR D  OD YLGD HWHUQD
7H  GDPRV JUDFLDV 3DGUH SRU HO DJXD  GHO %DXWLVPR (Q
HOOD VRPRV VHSXOWDGRV FRQ &ULVWR HQ VX PXHUWH 3RU HOOD
SDUWLFLSDPRV GH  VX UHVXUUHFFLyQ 0HGLDQWH  HOOD QDFHPRV
GH  QXHYR SRU HO (VStULWX 6DQWR 3RU WDQWR HQ JR]RVD 
REHGLHQFLD  D  WX +LMR WUDHPRV D  VX FRPXQLyQ D  ORV TXH
SRU IH VH  DFHUFDQ D  pO EDXWL]iQGRORV HQ HO 1RPEUH  GHO
3DGUH \ GHO +LMR \ GHO (VStULWX 6DQWR $KRUD VDQWLILFD 
HVWD DJXDWH VXSOLFDPRVSRUHOSRGHUGH WX(VStULWX6DQWR
SDUD  TXH  FXDQWRV DTXt VRQ ODYDGRV GHO SHFDGR \ QDFLGRV
GH  QXHYRSHUPDQH]FDQSDUD VLHPSUH HQOD YLGD UHVXFLWDGD 
GH  -HVXFULVWR QXHVWUR 6DOYDGRU $ pO D  WL \ DO (VStULWX
6DQWR VHD  WRGR KRQRU \ JORULD DKRUD  \ SRU VLHPSUH
$PpQ


%DXWLVPR

&HOHEUDQWH
'pPRVOHV OD  ELHQYHQLGD  D  ORV TXH  DKRUD  KDQ

VLGREDXWL]DGRV


&HOHEUDQWH \ 3XHEOR
1RVRWURV WH  UHFLELPRV HQ ODIDPLOLDGH 

$IWHUWKHFDQGLGDWHVKDYHEHHQEDSWL]HGWKH&HOHEUDQWVD\V
/HW

'LRV &RQILHVD OD IH  GH  &ULVWR FUXFLILFDGRSURFODPDVX


UHVXUUHFFLyQ \ SDUWLFLSD FRQ QRVRWURV HQ VX VDFHUGRFLR


&HOHEUDQW DQG 3HRSOH  :H  UHFHLYH \RXLQWRWKH KRXVHKROG HWHUQR

RI *RG &RQIHVV WKH  IDLWK RI &KULVW FUXFLILHG SURFODLP
KLV UHVXUUHFWLRQ DQG VKDUH  ZLWK XV LQ KLV HWHUQDO /D3D]
SULHVWKRRG
&HOHEUDQWH
/DSD]GHO6HxRUVHDVLHPSUHFRQXVWHGHV

3XHEOR

<FRQWXHVStULWX
XVZHOFRPHWKHQHZO\EDSWL]HG

3HDFH
&HOHEUDQW
3HRSOH

7KHSHDFHRI&KULVWEHDOZD\VZLWK\RX
$QGDOVRZLWK\RX

$QQRXQFHPHQWV
3UD\HUVIRU%LUWKGD\V7UDYHOHUVDQG$QQLYHUVDULHV

+RO\&RPPXQLRQ
2IIHUWRU\$QWKHP


:KHQWKH6DLQWVJR0DUFKLQJ,Q

7UDGLWLRQDODUU%%XFKDQDQ

5HSUHVHQWDWLYHVRIWKHFRQJUHJDWLRQFROOHFWWKHSHRSOHVILQDQFLDOJLIWV
WKHSHRSOHDUHLQYLWHGWRVWDQGDQGVLQJWKHGR[RORJ\DVWKHJLIWVDUHEURXJKWIRUZDUG


'R[RORJ\

)URPDOOWKDWGZHOOEHORZWKHVNLHV

+\PQDOY


7KH*UHDW7KDQNVJLYLQJ

/D*UDQ3OHJDULD(XFDUtVWLFD

(XFKDULVWLF3UD\HU%%&3

3OHJDULD(XFDUtVWLFD%/2&S

(XFKDULVWLF 3UD\HU $

%&3S /D*UDQ3OHJDULD(XFDUtVWLFD$

/2&S

(Q YHUGDG HV GLJQR MXVWR\VDOXGDEOHGDUWH JUDFLDVHQWRGR
WLHPSR\OXJDU3DGUHRPQLSRWHQWH



,W LV ULJKW DQG D  JRRG DQG MR\IXO WKLQJ DOZD\V DQG
HYHU\ZKHUH  WR JLYH  WKDQNV WR \RX )DWKHU $OPLJKW\

&UHDWRU RI KHDYHQ DQG HDUWK 7KHUHIRUH  ZH  SUDLVH  \RX 6L HO 6DQFWXV KD  GH  LQFOXLUVH VH  LQWURGXFH  FRQ pVWDV X RWUDV
MRLQLQJ RXU YRLFHV ZLWK $QJHOV DQG $UFKDQJHOV DQG ZLWK
SDODEUDV VLPLODUHV 3RU WDQWR QRV XQLPRV D  ORVVDQWRV\D ORV
DOO WKH  FRPSDQ\ RI KHDYHQ ZKR IRUHYHU VLQJ WKLVK\PQWR
iQJHOHVHQODSURFODPDFLyQGHWXJORULDFDQWDQGR

SURFODLPWKHJORU\RI\RXU1DPH
6

6DQFWXV

+RO\DQGJUDFLRXV)DWKHU

$Vt3DGUHWHWUDHPRVHVWRVGRQHV

0HPRULDO$FFODPDWLRQ
&HOHEUDQW
7KHUHIRUHZHSURFODLPWKHP\VWHU\RIIDLWK
3HRSOH
&KULVWKDVGLHG&KULVWLVULVHQ
&KULVWZLOOFRPHDJDLQ

7KHFHOHEUDQWFRQFOXGHV
:HFHOHEUDWHWKHPHPRULDO

$FODPDFLyQ0HPRULDO
&HOHEUDQWH

3RUWDQWRSURFODPDPRVHOPLGHIH

&HOHEUDQWH\3XHEOR
&ULVWRKDPXHUWR

&ULVWRKDUHVXFLWDGR&ULVWRYROYHUi


2K3DGUHFHOHEUDPRVDKRUDHOPHPRULDOGHWX+LMR


/RUGV3UD\HU

3DGUH1XHVWUR

2XU  )DWKHU ZKR DUW LQ KHDYHQ KDOORZHG EH  WK\QDPH


7K\ NLQJGRPFRPHWK\ZLOOEH GRQHRQHDUWKDVLWLVLQ
KHDYHQ *LYH  XV WKLV GD\ RXU  GDLO\ EUHDG $QG IRUJLYH 
XV RXU  WUHVSDVVHV DV ZH  IRUJLYH  WKRVH  ZKR WUHVSDVV
DJDLQVW XV $QG OHDG XV QRW LQWRWHPSWDWLRQEXWGHOLYHU 
XV IURP HYLO )RU  WKLQH  LV WKH  NLQJGRP WKH  SRZHU DQG
WKHJORU\IRUHYHUDQGHYHU$PHQ

3DGUH  QXHVWUR TXH  HVWiV HQ HO FLHOR VDQWLILFDGR VHD WX
1RPEUH YHQJD WX UHLQR KiJDVH  WX YROXQWDG HQ OD
WLHUUD FRPRHQHOFLHOR'DQRVKR\QXHVWURSDQGH FDGD
GtD 3HUGRQD QXHVWUDV RIHQVDV FRPR WDPELpQ QRVRWURV
SHUGRQDPRV D ORV TXH  QRV RIHQGHQ 1R QRV GHMHV FDHU 
HQ WHQWDFLyQ \ OtEUDQRV GHO PDO 3RUTXH  WX\R HV HO
UHLQR WX\R HV HO SRGHU \WX\DHVODJORULDDKRUD\SRU 
VLHPSUH$PpQ



)UDFWLRQ$QWKHP

6

$OOZKRZLVKWRGUDZQHDUWR&KULVWLQWKHVDFUDPHQWVRIEUHDGDQGZLQHDUHZHOFRPHWRUHFHLYH+RO\&RPPXQLRQ
,I\RXDUHXQDEOHWRDVFHQGWKHVWHSVWRWKHDOWDUUDLOSOHDVHWHOORQHRIWKHXVKHUVDQGFRPPXQLRQZLOOEHEURXJKWWR\RXUSHZ

&DQWRGH&RPXQLyQ

7X\R6R\

&RPPXQLRQ+\PQ

6WHDO$ZD\

3RVWFRPPXQLRQ3UD\HU

SOHDVHVWDQGLQERG\RULQVSLULW

(WHUQDO *RG KHDYHQO\ )DWKHU \RX KDYH  JUDFLRXVO\
DFFHSWHG XV DV OLYLQJ PHPEHUV RI \RXU  6RQ RXU  6DYLRU 
-HVXV &KULVW DQG \RX KDYH  IHG XV ZLWK VSLULWXDO IRRGLQ
WKH  6DFUDPHQW RI KLV %RG\ DQG %ORRG 6HQGXVQRZLQWR
WKH  ZRUOG LQ SHDFH DQG JUDQW XV VWUHQJWK DQG FRXUDJH 
WR ORYH  DQG VHUYH  \RX ZLWK JODGQHVV DQG VLQJOHQHVV RI
KHDUWWKURXJK&KULVWRXU/RUG$PHQ

/(9

2UDFLyQGHVSXpVGH&RPXQLyQ
/2&S
(WHUQR 'LRV 3DGUH  FHOHVWLDO HQ WX ERQGDG QRV KDV
DFHSWDGR FRPR PLHPEURV YLYRV GH  WX +LMR QXHVWUR
6DOYDGRU  -HVXFULVWR QRV KDV QXWULGR FRQ DOLPHQWR
HVSLULWXDO HQ HO 6DFUDPHQWR GH VX&XHUSR\GH VX6DQJUH
(QYtDQRV DKRUD HQ SD]  DO PXQGR UHYtVWHQRV GH  IXHU]D \
GH  YDORU  SDUDDPDUWH \VHUYLUWH FRQDOHJUtD\VHQFLOOH] GH 
FRUD]yQSRU&ULVWRQXHVWUR6HxRU$PpQ

6HQGLQJRXWRI/D\(XFKDULVWLF9LVLWRUV
&HOHEUDQW ,QWKHQDPHRIWKLVFRQJUHJDWLRQZHVHQG\RXRXWEHDULQJWKHVHKRO\JLIWVWKDWWKRVHWRZKRP\RXJRPD\
VKDUHZLWKXVLQWKHFRPPXQLRQRI&KULVWV%RG\DQG%ORRG
3HRSOH
:HZKRDUHPDQ\DUHRQHERG\EHFDXVHZHDOOVKDUHRQHEUHDGRQHFXS

$PHQ
%OHVVLQJ
3RVWFRPPXQLRQ+\PQ

:KHQZHDOOJHWWRKHDYHQ

/(9

'LVPLVVDO
'HDFRQ
$OOHOXLDDOOHOXLD

/HWXVJRLQSHDFH\RXUIDLWKKDVPDGH\RX
ZHOO

'LiFRQR


$OHOX\D$OHOX\D
9D\DPRVHQSD]WXIHWHKDVDOYDGR
3XHEOR

'HPRVJUDFLDVD'LRV

$OHOX\D$OHOX\D


3HRSOH

7KDQNVEHWR*RG$OOHOXLDDOOHOXLD

3RVWOXGH

:KHQWKH6DLQWV*R0DUFKLQJ,Q

7UDGLWLRQDODUU%XFKDQDQ

You might also like