HopeLine Magazine - Winter 2012

Page 1

5IF )PQF-JOF

7K H + R O L GD \ , V V X H

1 R Y H P E H U



)URP

0HODQLH 5RDFK %HNRV

'HDU )ULHQGV 7KDQN \RX ZDV DQRWKHU LQFUHGLEOH \HDU IRU RXU :LVFRQVLQ &KDSWHU LQ WHUPV RI RXU JURZWK LQ WKH :DON WR 'HIHDW $/6 SURJUDP 0LOZDXNHH %UHZHUV HYHQW $GYRFDF\ WKLUG SDUW\ HYHQWV DQG VR FLDO PHGLD :H DUH FXUUHQWO\ VXSSRUWLQJ D SURPLVLQJ VWXG\ DW WKH 0HGLFDO &ROOHJH RI :LVFRQVLQ WKURXJK WKH -HII .DXIPDQ 5HVHDUFK IXQG

7KH +RSH/LQH ,1 7+,6 ,668(

7KURXJKRXW WKH VXPPHU DQG IDOO ZH KDYH KDG DPD]LQJ WKLUG SDUW\ HYHQWV 7KHVH HYHQWV DVVLVW LQ SURYLGLQJ IXQGV IRU WKH VHUYLFHV WKDW HQKDQFH WKH OLYHV RI :LVFRQVLQ $/6 SDWLHQWV DQG WKHLU IDPLOLHV VHU YLFHV VXFK DV KRPH YLVLWV FRPPXQLFDWLRQ GHYLFHV PHGLFDO HTXLS PHQW DQG FDUHJLYHU DQG VXSSRUW JURXSV

0D\ KRSH EH SUHVHQW LQ \RXU OLYHV HYHU\ GD\ EXW HVSHFLDOO\ DV ZH SUHSDUH WR FHOHEUDWH WKH KROLGD\V DQG HQWHU D QHZ \HDU <RXU VWUHQJWK DQG FRXUDJH QHYHU FHDVH WR LQVSLUH RXU VWDII DQG YROXQ WHHUV DV ZH VWULYH IRU D FXUH 6LQFHUHO\

3$7,(17 6(59,&(6

836 '(/,9(56 +23(

3/$77(9,//( :$/.

$33/(721 :$/.

0,/:$8.(( :$/.

&29(5 6725<

&+$6,1¶ $ &85(

,1 285 &20081,7<

&2175,%87,216

5(6($5&+

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

83&20,1* (9(176


8SFRPLQJ (YHQWV

WK $QQXDO 5RFNLQ )RU $ &XUH $SULO

-DQHVYLOOH :DON 0D\

0RUH GHWDLOV WR FRPH

+ROLGD\ ,QQ 0DGLVRQ :HVW )RXULHU 'ULYH 0DGLVRQ :,

7KH +RSH/LQH $/6 $VVRFLDWLRQ :LVFRQVLQ &KDSWHU


6 X S S RU W *UR XSV D QG 0HHW LQ JV :LVFRQVLQ $/6$ &KDSWHU 6SRQVRUHG

0LOZDXNHH $/6 6XSSRUW *URXS 'DWH 6HFRQG 6DWXUGD\ RI (DFK 0RQWK 7LPH DP WR SP 3ODFH )URHGWHUW 0HPRULDO +RVSLWDO &RQIHUHQFH 5RRP 17 $GGUHVV :HVW :LVFRQVLQ $YHQXH 0LOZDXNHH :, 8VH ORW RQ WKH ULJKW RI WKH PDLQ HQWUDQFH RII QG VWUHHW +DQGLFDSSHG SDUNLQJ ORW LV OR FDWHG RQ WKH VRXWK VLGH RI WKH KRVSLWDO 3URYLGHV VXSSRUW IRU SHRSOH ZLWK $/6 WKHLU IDPLOLHV IULHQGV DQG FDUHJLYHUV LQ 6RXWKHDVWHUQ :LVFRQVLQ &RQWDFW &DURO\Q 6FKZHLW]HU $W RU HPDLO DW &DURO\Q#DO VDZL RUJ

1RUWKZHVWHUQ :, &KLSSHZD )DOOV

$/6 6XSSRUW *URXS 'DWH 6HFRQG 7KXUVGD\ RI HDFK PRQWK 7LPH SP WR SP 3ODFH &KLSSHZD 9DOOH\ %LEOH &KXUFK $GGUHVV ( 6RXWK $YH &KLSSHZD )DOOV :,

0LOZDXNHH 9HQWLODWRU 8VHUV 6XSSRUW *URXS 'DWH )LUVW 7XHVGD\ RI (DFK 0RQWK 7LPH SP WR SP 3ODFH 6W 0DU\ +LOO +RVSLWDO /RQJ 7HUP 5HVSLUDWRU\ 8QLW $GGUHVV 1RUWK /DNH 'ULYH 0LOZDXNHH :LVFRQVLQ

3URYLGHV VXSSRUW IRU SHRSOH RQ 9HQWLODWRUV 3URYLGLQJ VXSSRUW IRU SHRSOH ZLWK QHXURORJL WKHLU IDPLOLHV IULHQGV DQG FDUHJLYHUV LQ WKH FDO GLVHDVHV IDPLOLHV IULHQGV DQG FDUHJLYHUV 0LOZDXNHH DUHD &RQWDFW RU &RQWDFW -XOLH &KDPEHUODLQ /31 DW 2U HPDLO DOVQZZL#JPDLO FRP 0DGLVRQ 0'$ $/6 6XSSRUW *URXS 'DWH 6HFRQG 7XHVGD\ RI HDFK PRQWK 7LPH SP WR SP 3ODFH 'HDQ &OLQLF $GGUHVV 6 3DUN 6WUHHW LQ 'HOL 5RRP QH[W WR )LW 1 )UHVK RQ WKH /RZHU /HYHO 0DG LVRQ :, &RQWDFW (OOHQ DW

0LOZDXNHH $/6 &DUHJLYHUV 6XSSRUW *URXS 'DWH )RXUWK 7KXUVGD\ RI (DFK 0RQWK 7LPH SP 3ODFH /RFDWLRQV YDU\ ± ORFDWLRQV DUH DYDLODEOH LQ WKLV LVVXH RU RQ &KDSWHU ZHEVLWH 'XOXWK 6XSHULRU $UHD $/6 6XSSRUW *URXS 'DWH )RXUWK 7XHVGD\ RI (DFK 0RQWK ZZZ DOVDZL RUJ 7LPH SP WR SP 7KLV JURXS PHHWV PRQWKO\ DW DUHD UHVWDXUDQWV 3ODFH )LUVW 6WUHHW &OLQLF IRU VXSSRUW DQG WR GLVFXVV LVVXHV UHODWHG WR $GGUHVV (DVW )LUVW 6WUHHW $XURUD 5RRP 7KLUG ÀRRU SDUNLQJ UDPS RQ )LUVW 6WUHHW ZHVW FDULQJ IRU SHRSOH ZLWK $/6 &RQWDFW &DURO\Q 6FKZHLW]HU DW VLGH RI EXLOGLQJ 6N\ZD\ WR EXLOGLQJ RQ VHFRQG OHYHO 'XOXWK 01 RU HPDLO KHU &DURO\Q#DOVDZL RUJ )R[ 9DOOH\ $/6 6XSSRUW *URXS 'DWH 7KLUG 7XHVGD\ RI (DFK 0RQWK 7LPH SP SP 3ODFH $OO 6DLQWV /XWKHUDQ &KXUFK $GGUHVV +LJKZD\ RQH PLOH ZHVW RI +LJK ZD\ 2VKNRVK :,

7KLV JURXS EUHDNV LQWR WZR JURXSV 3$/6 DQG )DPLOLHV )ULHQGV &DUHJLYHUV RQ D TXDUWHUO\ EDVLV RU DV UHTXHVWHG 5HIUHVK PHQWV DUH VHUYHG )RU TXHVWLRQV RU WR 5693 FDOO

0LOZDXNHH 0'$ 6XSSRUW *URXS 'DWH 7KLUG 0RQGD\ RI (DFK 0RQWK 3URYLGHV VXSSRUW IRU SHRSOH ZLWK $/6 WKHLU 7LPH SP WR SP 3ODFH )URHGWHUW IDPLOLHV IULHQGV DQG FDUHJLYHUV LQ WKH )R[ 0HPRULDO +RVSLWDO &RQIHUHQFH URRPV $ DQG % $GGUHVV :HVW :LVFRQVLQ $Y 9DOOH\ DUHD &RQWDFW 'LDQH )HUJRW DW RU HPDLO DW JIHUJRW# HQXH 0LOZDXNHH :, VEFJOREDO QHW 3URYLGHV VXSSRUW IRU SHRSOH ZLWK QHXURORJL FDO GLVHDVHV WKHLU IDPLOLHV IULHQGV DQG FDUH JLYHUV LQ 6RXWKHDVWHUQ :LVFRQVLQ &RQWDFW

+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ


Care Services

'HDU &KDSWHU 0HPEHUV RI \RX UHDGLQJ WKLV PD\ HDVLO\ EH DEOH WR WKLQN RI D SHUVRQ ZKR ¿WV WKDW UROH RU PD\EH WKDW FDUHJLYHU LV ,W¶V KDUG WR EHOLHYH WKDW <28 ,I LW LV SOHDVH WDNH D PRPHQW DQG UHÀHFW RQ WKH DXWXPQ LV KHUH %XW ZLWK JLIW WKDW \RX DUH JLYLQJ RU KDYH JLYHQ DQRWKHU SHUVRQ DXWXPQ FRPHV WKH :DON DQG DFFHSW RXU GHHSHVW WKDQNV DQG DSSUHFLDWLRQ ,I WR 'HIHDW $/6 6HDVRQ \RX NQRZ VRPHRQH ZKR LV RU ZDV D FDUHJLYHU WDNH ZKLFK WUXO\ LV D WLPH D PRPHQW DQG DFNQRZOHGJH WKHP LQ VRPH VLPSOH WKDW VLJQL¿HV ³KRSH ´ ZD\ IRU WKH LPSRUWDQW UROH WKH\ SOD\ LQ WKH OLIH RI 7KH :DONV WKDW WDNH DQRWKHU 7KH\ DUH LPSRUWDQW DQG LQYDOXDEOH SODFH DURXQG WKH VWDWH QRW RQO\ EULQJ SHRSOH :H +RQRU DQG 7KDQN 2XU &DUHJLYHUV GXULQJ WRJHWKHU LQ ³KRSH´ WR 1DWLRQDO )DPLO\ &DUHJLYHU 0RQWK 'HIHDW $/6 EXW WKH\ DOVR UDLVH YDOXDEOH $V DOZD\V LI \RX KDYH DQ\ TXHVWLRQV RU DUH ORRNLQJ IXQGV IRU VHUYLFHV WR IRU UHVRXUFHV WKH &KDSWHU¶V &DUH 6HUYLFHV 7HDP VXSSRUW LQGLYLGXDOV DQG LV DOZD\V DYDLODEOH WR KHOS 3OHDVH GRQ¶W KHVLWDWH WR WKHLU IDPLOLHV PHHWLQJ FRQWDFW D PHPEHU RI WKH WHDP E\ FDOOLQJ WKH &KDSWHU 2I¿FH DW WKH FKDOOHQJHV RI $/6

)URP \RXU &KDSWHU &DUH 6HUYLFHV WHDP 7+$1. <28 2XU JRDO LV WR FRQWLQXH WR SURYLGH VWURQJ SURJUDPV WR VXSSRUW RXU &KDSWHU 0HPEHUV DV ZHOO DV SURYLGH PRUH VHUYLFHV VWDWHZLGH :H DUH FRQWLQXDOO\ VWULYLQJ WRZDUGV WKDW JRDO DQG EHFDXVH RI WKH :DONV ZH QRZ KDYH

‡ $ 6XSSRUW *URXS ZKLFK KDV IRUPHG LQ &HQWUDO :LVFRQVLQ ± 7KDQN \RX WR WKH )U 'DQ )DUOH\ :DON ‡ 7ZR &DUH 6HUYLFHV &RRUGLQDWRUV GHGLFDWHG WR VHUYLQJ 1RUWKHDVW (DVW &HQWUDO &HQWUDO :LVFRQVLQ ± 7KDQNV $SSOHWRQ DQG -DQHVYLOOH :DONV ‡ &RQWLQXHG GHYHORSPHQW RI QHZ SURJUDPV DQG HQKDQFHPHQW RI FXUUHQW VHUYLFHV ± 7KDQN \RX DOO :DONV ± 0LOZDXNHH $SSOHWRQ 3ODWWHYLOOH -DQHVYLOOH DQG )U 'DQ )DUOH\ :DON 7KH &KDSWHU LV RQO\ DEOH WR VHUYH LQGLYLGXDOV DQG IDPLOLHV ZLWK $/6 EHFDXVH RI WKLV PRQXPHQWDO VXSSRUW 1RYHPEHU LV 1DWLRQDO )DPLO\ &DUHJLYHU 0RQWK :H DOVR ZLVK WR UHFRJQL]H DQRWKHU YHU\ LPSRUWDQW LQYDOXDEOH VXSSRUW IRU RXU &KDSWHU PHPEHUV²WKH &DUHJLYHU 0DQ\ WLPHV WKH UROH RI WKH FDUHJLYHU JRHV XQQRWLFHG LQ WKH PLGVW RI WKH LQWHQVH FKDOOHQJHV FDXVHG E\ $/6 :H KDYH KDG WKH KRQRU RI EHLQJ ZLWQHVV WR VR PDQ\ VWURQJ JLYLQJ LQGLYLGXDOV ZKR GHVSLWH WKHLU RZQ FKDOOHQJHV ERWK HPRWLRQDO DQG SK\VLFDO FRQWLQXH WR JLYH RI WKHPVHOYHV HYHU\ GD\ WR VXSSRUW WKHLU ORYHG RQH ZLWK $/6 , NQRZ PDQ\

7KH +RSH/LQH $/6 $VVRFLDWLRQ :LVFRQVLQ &KDSWHU

/RUL


0(66$*(6 )25 )$0,/< &$5(*,9(56 72 /,9( %<

%HOLHYH LQ \RXUVHOI 7UXVW \RXU LQVWLQFWV /HW \RXU LQQHU YRLFH JXLGH \RXU GHFLVLRQ PDNLQJ IRU \RXU ORYHG RQH DQG \RXUVHOI %HOLHYLQJ LQ ³<RX´ LV WKH ¿UVW VWHS WRZDUG EXLOGLQJ FRQ¿GHQFH DQ HVVHQWLDO WRRO LQ FRSLQJ ZLWK EHLQJ D IDPLO\ FDUHJLYHU

3URWHFW \RXU KHDOWK 7DNLQJ FDUH RI \RXUVHOI LV QRW D OX[XU\ LW¶V D QHFHVVLW\ ,I \RXU KHDOWK LV FRPSURPLVHG LW¶V KDUG IRU \RX WR EH DQ HIIHFWLYH FDUHJLYHU <RXU OLIH LV KDUG HQRXJK )RU \RXU RZQ VDNH DQG \RXU ORYHG RQHV WDNH JRRG FDUH 5HDFK RXW IRU KHOS )DPLO\ FDUHJLYLQJ LV QRW D RQH SHUVRQ MRE $VNLQJ IRU KHOS LV D VLJQ RI VWUHQJWK QRW ZHDNQHVV +HOS FRPHV LQ YDULRXV IRUPV IURP RWKHUV SLWFKLQJ LQ WR KDYLQJ PRUH LQIRUPDWLRQ DERXW \RXU ORYHG RQH¶V FRQGLWLRQ DQG V\PSDWKHWLF XQGHUVWDQGLQJ IURP \RXU ERVV 6SHDN XS IRU \RXU ULJKWV ,Q \RXU GDLO\ OLIH VSHDN XS IRU UHVSHFW DQG PRUH VXSSRUW IRU \RXUVHOI DQG \RXU ORYHG RQH 6SHDN XS IRU WKH ULJKWV RI DOO IDPLO\ FDUHJLYHUV E\ WDONLQJ DERXW WKH QHHG IRU HGXFDWLRQ ¿ QDQFLDO VXSSRUW DQG EHWWHU FKURQLF LOOQHVV FDUH )URP WKH 1DWLRQDO )DPLO\ &DUHJLYHUV $VVRFLDWLRQ ZZZ WKHIDPLO\FDUHJLYHU RUJ

21/,1( 5(6285&(6 )25 &$5(*,9(56

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¶V &DUHJLYHU 2IIHUV D YDULHW\ RI UHVRXUFHV LQFOXGLQJ D ZHHNO\ QHZVOHWWHU OLQNV WR DGGLWLRQ DO UHVRXUFHV FDUHJLYHU IRUXPV DQG WLSV LGHDV ZZZ ZLVFRQVLQFDUHJLYHU RUJ :LVFRQVLQ¶V )DPLO\ &DUH JLYHU 6XSSRUW 3URJUDP 2IIHUV D YDULHW\ RI LQIRUPDWLRQ RQ FDUHJLYLQJ DQG ORFDO UHVRXUFHV SURJUDPV VHUYLFHV ZZZ VKDUHWKHFDUH RUJ 6KDUH WKH &DUH 5HVRXUFH WR KHOS IDPLO\ FDUHJLYHUV EXLOG D FLUFOH RI KHOS DQG FDUH

63(&,$/ +2/,'$< (9(176

:DWFK \RXU PDLO HPDLO IRU PRUH LQIRUPDWLRQ DERXW WKHVH VSHFLDO HYHQWV :H ORRN IRUZDUG WR VHHLQJ \RX

,Q 0HPRULDP ,Q PHPRU\ RI WKRVH ZKR KDYH ORVW WKHLU EDWWOH ZLWK $/6 DQG WKRVH ZKR KDYH KHOSHG XV VXSSRUW WKH ¿JKW .HQQHWK $OHFNVRQ 9LFN\ $QGHUVRQ 0DULO\Q %HUJPDQ .DUHQ %LQJKDP *DLO &RHQHQ *D\OH 'DYLV 7RP 'URQH *HRUJH (FNHU 'HQQ\ )LUJHQV 5RQDOG )LVK &OHWD *DUYLV -RKQ *ULPPHU

'DYLG .RFK .HDQH /DDNVRQ $QQ 0DGHU )U 9LFWRU 0RVHOH )UHGHULFN 5DGPHU 5REHUW 6DQWR 6DQGUD 6PLWK /RUHQH 6SUHQJHU 5RVHPDU\ :DOGHQ &KDUOHQH :LOVRQ 'XUU 'DYLG =DNHP

&DUHJLYHU +ROLGD\ DQG )DPLO\ &DUHJLYHU 0RQWK 'LQQHU 2XWLQJ 7KXUVGD\ 1RYHPEHU S P 7KH 9HQLFH &OXE %URRN¿HOG :, 0LOZDXNHH 6XSSRUW *URXS $QQXDO +ROLGD\ )DPLO\ *DWKHULQJ 6DWXUGD\ 'HFHPEHU D P ± S P 6KHUDWRQ +RWHO 0LOZDXNHH %URRN¿HOG %URRN¿HOG :, )R[ 9DOOH\ 6XSSRUW *URXS +ROLGD\ 3RWOXFN 7XHVGD\ 'HFHPEHU ± S P $OO 6DLQWV /XWKHUDQ &KXUFK 2VKNRVK :,


research

5(6($5&+(5 72 678'< /28 *(+5,*¶6 ',6($6( 6HSW &RO OHJH 1HZV 7KH 0HGLFDO &ROOHJH RI :LVFRQVLQ KDV UHFHLYHG D JUDQW IURP WKH $/6 $VVRFLDWLRQ¶V -HII .DXIPDQ )XQG WR VWXG\ WKH LPSDFW RI VNHOHWDO PXVFOH RQ WKH SURJUHVVLRQ RI $/6 RU /RX *HKULJ¶V 'LVHDVH DV LW¶V FRPPRQO\ NQRZQ

RI QHXURQV DQG VNHOHWDO PXVFOH FRQQHFWLRQ PD\ RFFXU YHU\ HDUO\ LQ SDWLHQWV ZLWK $/6 ZKLFK SUHVHQWV D SRWHQWLDO WKHUDSHXWLF WDUJHW

LHV VXJJHVW WKDW WKH ORVV

GHYDVWDWLQJ GLVHDVH ´

'U (EHUW ZLOO XVH L36&V IURP SDWLHQWV ZLWK $/6 DQG KHDOWK DGXOWV WR FUHDWH VNHO HWDO PXVFOH 7KDW PXVFOH WLVVXH ZLOO EH FRPELQHG LQ WKH ODE ZLWK L36& GHULYHG QHXURQV WR REVHUYH WKH LQ WHUDFWLRQV EHWZHHQ WKH WZR LQ $/6 SDWLHQWV YHUVXV WKH KHDOWK\ FRQWUROV

7KH VWXGLHV ZLOO KHOS XQGHU VWDQG WKH GLVHDVH SURFHVV RI $/6 DQG FRXOG OHDG WR SRWHQWLDO WDUJHWHG WKHUDSLHV LQ WKH IXWXUH

$/6 5(6($5&+ *5$17 $33/,&$7,21

)URP 6YHQGVHQ &OLYH 7R MDQ NDXIPDQ 6HQW 7XHVGD\ 2FWREHU 30 $OOLVRQ (EHUW 3K' $V 6XEMHFW 5H $/6$ UHVHDUFK JUDQW DSSOLFDWLRQ VLVWDQW 3URIHVVRU RI &HOO %LRORJ\ 1HXURELRORJ\ DQG +L -DQ $QDWRP\ LV WKH SULPDU\ ³8QGHUVWDQGLQJ WKH SUR LQYHVWLJDWRU RI WKH JUDQW JUHVVLRQ RI WKLV GLVHDVH DW -XVW D QRWH WR OHW \RX NQRZ WKDW ZH MXVW UHFHLYHG 0 IURP &,50 WR GR WKH ZRUOGV ÀUVW FRPELQHG VWHP FHOO DQG D PROHFXODU OHYHO ZLOO KHOS JHQH WKHUDS\ WULDO IRU $/6 7KH PRPHQW ZDV FDSWXUHG RQ $/6 LV DQ LQFXUDEOH DQG ID XV WDUJHW DUHDV IRU HDUO\ WDO GLVHDVH LQ ZKLFK PXVFOH GHWHFWLRQ ´ VDLG 'U (EHUW D YLGHR PDGH E\ &,50 FXUUHQWO\ RQ WKHLU ZHEVLWH DW WKH SURJUHVVLYHO\ ZHDNHQV ³, DP JUDWHIXO WR WKH $/6 ERWWRP KWWS ZZZ FLUP FD JRY

UHVXOWLQJ LQ SDUDO\VLV 7KH $VVRFLDWLRQ IRU LWV JHQHURXV QHUYH FHOOV ZKLFK FRQWURO VXSSRUW RI RXU UHVHDUFK ´ 1RQH RI WKLV ZRXOG KDYH EHHQ SRVVLEOH ZLWKRXW -HII WKH WKH ERG\¶V PRYHPHQWV HYHQLQJ RI KRSH DQG \RXU VXSSRUW LQ :LVFRQVLQ IRU DOO GHWHULRUDWH DQG GLH WKH 7KH $/6 $VVRFLDWLRQ¶V -HII WKRVH \HDUV 7KLV SURYLGHG DOO RI WKH LQLWLDO IXQGLQJ WR JHW QHXURQV LQ WKH EUDLQ DQG .DXIPDQ )XQG ZDV HVWDE VSLQH IROORZ OLVKHG WR IXQG FXWWLQJ HGJH WKLV VWXG\ RII WKH JURXQG UHVHDUFK IURP SURFHHGV RI -HII LV FRQVWDQWO\ LQ P\ PLQG DQG FRQWLQXHV WR EH DQ ,Q WKH 8QLWHG 6WDWHV WKH $/6 $VVRFLDWLRQ :LV LQVSLUDWLRQ ,·P WKLQNLQJ RI \RX DOO DQG JLYLQJ D WDON DW FDVHV RI $/6 DUH GLDJ FRQVLQ &KDSWHU¶V (YHQLQJ 0LOZDXNHH 0HGLFDO &ROOHJH WRPRUURZ DW QRRQ RQ $/6 QRVHG HDFK GD\ 7KH DYHU RI +RSH DJH H[SHFWHG VXUYLYDO WLPH VFLHQFH SUHVHQWDWLRQ WKDW ZLOO GLVFXVV WKH QHZ WULDO LV WKUHH WR ¿YH \HDUV DQG ³:H DUH YHU\ SOHDVHG DW DQ\ JLYHQ WLPH DSSUR[L WR DQQRXQFH WKHVH QHZ +RSH DOO LV ZHOO ZLWK \RX DQG IDPLO\ PDWHO\ SHRSOH LQ WKH UHVHDUFK JUDQWV WR VRPH .HHS LQ WRXFK 8 6 DUH OLYLQJ ZLWK $/6 RI WKH PRVW SURPLVLQJ $/6 &OLYH UHVHDUFKHUV LQ WKH 8 6 ,Q KHU UHVHDUFK SURMHFW 'U DQG DURXQG WKH ZRUOG ´ (EHUW SODQV WR GHYHORS D VDLG /XFLH %UXLMQ 3K ' QRYHO V\VWHP WR JHQHUDWH &KLHI 6FLHQWLVW IRU 7KH $/6 &OLYH 6YHQGVHQ 3K' 'LUHFWRU &HGDUV 6LQDL 5HJHQHUDWLYH 0HGLFLQH ,QVWLWXWH DQG FKDUDFWHUL]H WKH VNHO $VVRFLDWLRQ ³7KH $/6 $V %HYHUO\ %OYG 66% UG )ORRU HWDO PXVFOH IURP $/6 SD VRFLDWLRQ ORRNV IRUZDUG WR WLHQW¶V LQGXFHG SOXULSRWHQW VKDULQJ WKH UHVXOWV RI WKHVH /RV $QJHOHV &$ VWHP FHOOV L36&V ZKLFK GLYHUVH VWXGLHV ZKLFK ZH 3KRQH DUH VWHP FHOOV JHQHUDWHG KRSH ZLOO SURYLGH SLHFHV WR )D[ IURP DGXOW WLVVXH 6WXG WKH FRPSOH[ SX]]OH RI WKLV :HE KWWS ZZZ FHGDUV VLQDL HGX 50,

+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ


UPS Delivers Hope

+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ


7KDQN \RX 3ODWWHYLOOH

+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ



7KDQN \RX $SSOHWRQ ZDV D UHFRUG EUHDNLQJ HYHQW LQ DWWHQGDQFH PRQLHV UDLVHG

+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ +R + RSH S WWKU KURX RXJK JK 5 5HV HVHD HDUF HD U K UF K 666X XS SS SR RUUWW WK WKUR URXJ X K XJ K & &DUULLLQJ &D QJ QJ





7KDQN \RX


0LOZDXNHH






FAITH. HOPE. LOVE 7KUHH *UHDWHVW *LIWV

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

+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ


PDUULDJH WKH 'URHVVOHU IDPLO\ VXIIHUHG D JUHDW ORVV -RH¶V PRWKHU +HQULHWWD ZDV GLDJQRVHG DQG ODWHU GLHG RI $/6 6KH OHIW EHKLQG KHU KXVEDQG DQG FKLOGUHQ WKH \RXQJHVW EHLQJ RQO\ \HDUV ROG +HQULHWWD¶V MRXUQH\ ZDV VKRUW 6KH GLHG RQO\ PRQWKV DIWHU EHLQJ GLDJQRVHG ZLWK WKLV GLVHDVH

LQ SHUVRQ -RVK LV FORVH EXW .\OLH LV VWLOO KRXUV DZD\ VR WKH\ ZLOO KDYH WR VHWWOH IRU FDOOLQJ KHU IURP -RVK¶V KRXVH -RVK RSHQV WKH GRRU ZLWK GUHDG RQ KLV IDFH ,PPHGLDWHO\ KLV IDWKHU DQG EHVW IULHQG RI \HDUV WHOOV KLP )DVW IRUZDUG QHDUO\ \HDUV ODWHU WKH QHZV ³, GRQ¶W ,W LV WKH VXPPHU RI DQG -RH KDYH ORQJ OHIW RQ KLV LV EHJLQQLQJ WR IHHO VRPH SDLQ HDUWK -RVK , KDYH LQ KLV EDFN KLS DQG OHJ DQG WKH VDPH GLVHDVH P\ KLV KDQGV IHHO D ELW ZHDNHU WKDQ PRWKHU GLHG RI ´ -RVK EHIRUH +LV RQO\ GDXJKWHU .\OLH IDOOV DSDUW 0RPHQWV LV VHW WR EH PDUULHG LQ $XJXVW ODWHU WKH\ DUH FDOOLQJ WKRXJK VR KH IHHOV LW EHVW WR ZDLW .\OLH DQG -RH GHOLYHUV UHVHDUFKLQJ ZKDW FRXOG EH ZURQJ WKH VDPH QHZV WR KLV XQWLO DIWHU WKH ZHGGLQJ +H LV GDXJKWHU VXFK DQ DYLG RXWGRRUVPDQ WKDW WKLV FRXOG DOO EH HDVLO\ H[SODLQHG ZLWK D VLPSOH ³/\PH¶V GLVHDVH´ , DP JRLQJ WR WHVW $IWHU WKH ZHGGLQJ -RH EHJLQV LQWURGXFH P\VHOI WR VHH GRFWRUV /\PH¶V FRPHV , DP .\OLH -RH¶V \RXQJHVW FKLOG EDFN QHJDWLYH 7HVW DJDLQ« VWLOO DQG GDXJKWHU ,W LV ZLWK JUHDW QHJDWLYH 5XQ D EDWWHU\ RI RWKHU SOHDVXUH WKDW , RSHQ P\ KHDUW WR WHVWV LQ 'XEXTXH ,$ EHIRUH VKDUH P\ IDWKHU¶V VWRU\ ,W LV E\ EHLQJ VHQW WR ,RZD &LW\ IRU D QG IDU WKH PRVW SDLQIXO VWRU\ , KDYH RSLQLRQ 7KH FDU ORDG LV EDFNHG RQ HYHU ZULWWHQ DERXW EXW LW PXVW EH WKH GD\ RI WKH WULS /XDQQ EURWKHU ZULWWHQ VR WKDW P\ IDWKHU¶V OHJDF\ 7RP VLVWHU 0DU\ VLVWHU LQ ODZ 3DW OLYHV RQ )URP WKH PRPHQW WKH DUH DOO GRLQJ DORQJ WR OHQG VXSSRUW GLDJQRVLV FDPH WKURXJK P\ GDG -RH¶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« GLVHDVH PRYHG TXLFNO\ 'LDJQRVLV WKLV FDQ¶W UHDOO\ EH KDSSHQLQJ KDSSHQHG LQ 2FWREHU %\ ZLQWHU %XW LW LV 7KH\ PDNH WKH ORQJ WUHN ZDONLQJ ZDV D FKDOOHQJH EDFN KRPH WR 3RWRVL :, DOO VRUW &KULVWPDV ZDV D WRXJK RQH IRU RI LQ VKRFN 7KH NLGV NHHS FDOOLQJ WKH HQWLUH 'URHVVOHU )DPLO\ 7KHUH FHOO SKRQHV EXW QR RQH SLFNV XS ZDV D SUHVHQFH WKURXJK WKH ZKROH 1HZV OLNH WKLV QHHGV WR EH JLYHQ

2SHQ +HDUW

HYHQW WKDW WKLV PLJKW EH WKH ODVW RQH ZLWK P\ GDG :H JDYH JLIWV RI VHQWLPHQWDO YDOXH DQG FULHG PRUH WHDUV WKDQ \RX FDQ LPDJLQH DV GDG WKDQNHG DOO RI XV IRU RXU VXSSRUW DQG VKDUHG VRPH RI KLV IDYRULWH %LEOH SDVVDJHV ZLWK HYHU\RQH :KLOH P\ IDWKHU¶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

+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ


EHORQJV +H EHORQJV WKHUH ZLWK KLV ODXJKWHU MRNHV PXVLF ZDONLQJ ERRWV VPLOH DQG IDLWK

-R\

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³JXHVV ZKR VDQJ LW´ ZLWK DQ\RQH ULGLQJ VKRW JXQ RQ D WULS +H URVH EHIRUH GDZQ DQG FUDVKHG MXVW DIWHU VXQ GRZQ KDYLQJ WDNHQ PRUH VWHSV LQ WKH KRXUV LQ EHWZHHQ WKDQ PRVW RI XV FRXOG GUHDP RI +H ORYHG WKH RXWGRRUV DQG EHLQJ VXUURXQGHG E\ *RG¶V JUHHQ (DUWK DOZD\V VDLG WKH ZRUGV EXW PRUH LPSRUWDQWO\ H[HUFLVHG WKH ZRUGV LQ KLV DFWLRQV /RYH IRU KLV IDPLO\ KLV QHLJKERU KLV FRXQWU\ DQG ORYH IRU KLV *RG 7KH\ VD\ WKDW \RX FDQ 'DG DOVR KDG D YHU\ VWURQJ WHDFK SHRSOH D ORW E\ WKH ZD\ WKDW IDLWK (YHQ DIWHU GLDJQRVLV DQG PXOWLSOH GRFWRUV VD\LQJ WKH ZRUGV \RX JLYH DQG P\ IDWKHU GLG WKLV PRUH WKDQ DQ\RQH , NQRZ ³OLWWOH KRSH´ P\ IDWKHU IRXJKW WR ¿QG KRSH EHFDXVH ZLWKRXW LW KH FRXOGQ¶W JHW RXW RI EHG LQ WKH PRUQLQJ /RYH«RK ORYH« LV ZKDW P\ IDWKHU GLG EHVW +H 2XU IDPLO\ DQG P\ IDWKHU UHFHLYHG

)DLWK

/RYH

JLIW DIWHU JLIW IROORZLQJ KLV GLDJQRVLV :LWK WKLV LVVXH EHLQJ VHQW DURXQG VHDVRQDO KROLGD\V LW LV JRRG IRU PH WR UHÀHFW RQ WKH JLIWV P\ IDPLO\ UHFHLYHG ,W PD\ EH KDUG WR EHOLHYH WKDW D PDQ VXIIHULQJ IURP $/6 FDQ EH JUHDWO\ JLIWHG EXW KH FHUWDLQO\ ZDV DV ZDV RXU HQWLUH IDPLO\ , ZLOO ¿UVW UHÀHFW RQ WKH JLIWV P\ IDWKHU UHFHLYHG )LUVW WKHUH ZDV WKH JLIW RI WLPH -DFN DQG +HOOH %HUU\ .QRZLQJ WKDW \RX OLIH LV JRLQJ WR

+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ


FRPH WR DQ HQG LV D YHU\ WRXJK WKLQJ WR IDFH EXW \RX FDQ XVH LW IRU JRRG DV ZHOO 0\ IDWKHU GLG DOO KH FRXOG WR ¿JKW WKH IHDU KH ZDV IHHOLQJ DQG OLYH HDFK GD\ OLNH KH ZDV QRW VLFN +H ORYHG WR JR IRU ULGHV LQ WKH FRXQWU\ OLVWHQ WR PXVLF DQG VSHQG WLPH ZLWK KLV IDPLO\ DQG IULHQGV :LWKLQ PRQWKV RI KLV GLDJQRVLV P\ IDWKHU KDG GHYHORSHG D 7($0 RI VXSSRUW SHRSOH ZKR KHOSHG KLP ¿OO KLV

KRXUV ZLWK IXQ $OPRVW HYHU\ GD\ RI WKH ZHHN KH KDG DQ LWLQHUDU\ RI ZKDW WKH GD\ ZRXOG ORRN OLNH 7KLV ZDV WUXO\ D ZRQGHUIXO ZD\ WR NHHS KLV PLQG EXV\ DQG ZH WKDQN HYHU\ SHUVRQ ZKR KHOSHG WR PDNH WKLV SRVVLEOH , NQRZ KH EURXJKW MR\ WR ORWV RI SHRSOH MXVW E\ EHLQJ ZLWK WKHP )URP KLV QXUVHV WR KLV PDVVDJH SHRSOH WR KLV ELEOH VWXG\ IULHQGV DQG VR PDQ\ RWKHUV KH WRXFKHG OLYHV

HDFK GD\ $QRWKHU KXJH JLIW WKDW P\ IDWKHU ZDV DEOH WR VKDUH ZLWK KLV IDPLO\ DQG IULHQGV ZDV WKDQNV WR WKH HQWLUH FRPPXQLW\ RI 3RWRVL :, ,W WRRN $ /27 RI FRQYLQFLQJ EXW HYHQWXDOO\ P\ IDWKHU DJUHHG WR DOORZ WKH FRPPXQLW\ WR KROG D EHQH¿W LQ KLV KRQRU ,W KDSSHQHG RQ $XJXVW WK DQG LW ZDV WKH PRVW DPD]LQJ GD\ , FDQ LPDJLQH WKDW PRVW SHRSOH ZRXOG DJUHH WKDW D EHQH¿W FDQ PDNH \RX IHHO D ELW DSSUHKHQVLYH :KDW LI QR RQH FRPHV" :KHQ ZH SXOOHG LQWR WKH GULYHZD\ RI WKH +ROLGD\ *DUGHQV WKH EHQH¿W¶V YHQXH ZH IRXQG D EDFNHG SDUNLQJ ORW SHRSOH LQVLGH DQG RXW DQG IHOW PRUH ORYH DQG VXSSRUW WKDQ DQ\ RWKHU GD\ RQ RXU MRXUQH\ 7KH 3RWRVL FRPPXQLW\ KDG JRQH DOO RXW DQG WKH EHQH¿W ZDV PRUH DPD]LQJ WKDQ ZH FRXOG KDYH HYHU KRSHG IRU ,W LV LPSRVVLEOH WR GHVFULEH WR VRPHRQH ZKR ZDVQ¶W WKHUH EXW IRU WKRVH RI XV ZKR ZHUH WKHUH LW LV D GD\ ZH ZLOO QHYHU IRUJHW 3RWRVL VKRXOG EH VR SURXG 0\ IDWKHU VPLOHG HDU WR HDU WKDW GD\ DQG IHOW -2< WUXH -2< IURP EHJLQQLQJ WR HQG +H ZDV VR RYHUZKHOPHG ZLWK WKH ORYH DQG VXSSRUW )URP WKH DXFWLRQ WR WKH JDPHV WR WKH ÀRDWV WR WKH PXVLF LW ZDV XQEHOLHYDEOH 7KH IXQGV UDLVHG ZHUH PRUH WKDQ ZH FRXOG KDYH HYHU KRSHG IRU RXU DQG RXU IDPLO\ ZDV JUHDWO\ KXPEOHG , VSHDN IURP H[SHULHQFH ZKHQ , VD\ WKDW VPDOO WRZQV KDYH WKH ELJJHVW KHDUWV 0\ IDWKHU ZDV VR SURXG WR EH D SDUW RI WKH 3RWRVL FRPPXQLW\ DQG

+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ


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¶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

DSSRLQWPHQW FOHDQLQJ KLV WHHWK UXEELQJ KLV IHHW RU MXVW VLWWLQJ ZLWK KLP KH FRQVWDQWO\ PDGH XV IHHO ORYHG DQG YDOXHG DQG WUHDVXUHG , HQFRXUDJH DQ\RQH RXW WKHUH ZLWK D ORYHG RQH EDWWOLQJ WKLV GLVHDVH WR MXVW VORZ GRZQ DQG EH ZLWK WKH SHUVRQ EHIRUH LW LV WRR ODWH :H ZRXOG JR IRU ULGHV WDNH KLV VFRRWHU IRU ZDONV ZDWFK 79 WRJHWKHU DQG MXVW ³EH´ ZLWK P\ IDWKHU 7KLV LV KRZ ZH FRXOG VKRZ KLP ZH ORYHG KLP DQG WKDW ZH ZHUH DORQJ IRU WKH ULGH .QRZLQJ +LV IDPLO\ DQG IULHQGV UHFHLYHG PDQ\ JLIWV DV ZHOO :H KDG WKH JLIW \RX KDYH WHDPPDWHV KHOSV WDNH RXW VRPH RI WKH IHDU VXUURXQGLQJ RI WLPH ZLWK RXU IDWKHU KXVEDQG DQG IULHQG ,W ZDV QRW ORQJ WKLV GLVHDVH HQRXJK EXW ZH WRRN DGYDQWDJH RI HYHU\ PLQXWH RI LW :H JRW WR OHDUQ VR PXFK IURP P\ GDG :KHQ \RX ZHUH GULYLQJ KLP WR DQ 0\ ODVW UHÀHFWLRQ LV RQ WKH KRSH

7LPH

+RSH

WKDW P\ IDWKHU ZDQWV HYHU\RQH RQ DQ $/6 MRXUQH\ WR IHHO :H QHHG WR KROG EHQH¿WV DQG UDLVH IXQGV DQG DZDUHQHVV RI WKLV KRUULEOH GLVHDVH 7KHVH IXQGV FDQ JR WRZDUG PRUH UHVHDUFK IRU D FXUH ,W ZDV RQO\ PRQWKV DIWHU P\ IDWKHU SDVVHG WKDW WKH SURWHLQ OLQN ZHUH GLVFRYHUHG E\ WKH ZRQGHUIXO GRFWRUV VWXG\LQJ $/6 0\ IDPLO\ VHHV WKLV DV QR VPDOO FRLQFLGHQFH DW DOO +H GRHV QRW ZDQW DQRWKHU PHPEHU RI RXU IDPLO\ WR EH VWUXFN ZLWK WKLV GLVHDVH 0D\ ZH FRQWLQXH WR DGYRFDWH IRU WKRVH ZKR ZRUN WLUHOHVVO\ WR ¿QG D FXUH

/LIH

7KH ODVW ELW RI KRSH WKDW , ZLOO VKDUH LV YHU\ SHUVRQDO WR PH ,

+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ


VWRRG E\ P\ IDWKHU WKURXJKRXW KLV GLVHDVH , YLVLWHG HYHU\ RWKHU ZHHNHQG WUDYHOHG WR )ORULGD DQG VSHQW FRXQWOHVV KRXUV UHVHDUFKLQJ SUREOHP VROYLQJ DQG EORJJLQJ DERXW RXU MRXUQH\ , ZDV KROGLQJ P\ IDWKHU¶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¿UVW WKLQJ P\ IDWKHU OHDUQHG RI DV KH HQWHUHG LQWR KHDYHQ ZDV WKDW KH ZRXOG EH D JUDQGIDWKHU LQ PRQWKV +HQU\ -RVHSK %XUQV ZDV ERUQ $XJXVW DQG DOWKRXJK KH QHYHU PHW P\ GDG +HQU\ NQRZV KLP ZHOO +LV SLFWXUH LV HYHU\ZKHUH LQ RXU KRPH DQG ZH WHOO VWRULHV RI KLP DOO WKH WLPH , DP VR VDG WKDW +HQU\ GRHV QRW JHW WR ZDON QH[W WR KLV JUDQGSD RU VLW RQ KLV JUDQGSD¶V ODS OLNH KH VKRXOG EH DEOH WR (YHU\ WLPH , EHJLQ

WR IHHO VRUU\ IRU WKH VLWXDWLRQ 'DG ZKLVSHUV JHQWO\ LQ P\ HDU ³.\OLH , DP ZLWK \RX EXW , KDYH P\ OHJV EDFN QRZ GHDU ´ , DP FRQYLQFHG WKDW LW ZRXOG KDYH EURNHQ P\ IDWKHU¶V KHDUW WR SLHFHV WR OHDUQ WKDW KH ZDV JRLQJ WR EH D JUDQGSD ZKHQ KH ZDV VR GLVDEOHG IURP KLV GLVHDVH 7KLV LV QRW KRZ KH GUHDPHG RI OLYLQJ DV D JUDQGSDUHQW DQG LW ZRXOG KDYH EHHQ VR WRXJK RQ KLP :H

WKH NLQG RI SDUHQW P\ IDWKHU ZDV DV ZHOO 6RPH JLIWV DUH KDUG WR H[SODLQ VRPH FRPH DW GLI¿FXOW WLPHV DQG VRPH \RX GRQ¶W VHH DV JLIWV XQWLO \HDUV ODWHU )LQG WKH JLIW RI IDLWK KRSH DQG ORYH LQ \RXU OLIH *RG %OHVV 7KH 'URHVVOHU 7HDP

¿QG SHDFH LQ NQRZLQJ WKDW GDG YLVLWV +HQU\ LQ KLV GUHDPV DQG ZLOO ZDWFK KLP JURZ DQG GHYHORS DQG SURWHFW KLP HDFK GD\ IURP +HDYHQ , MXVW SUD\ WKDW +HQU\ -RH JURZV WR EH KDOI WKH PDQ P\ IDWKHU ZDV DQG WKDW , FDQ EH


3DWLHQWV IDPLOLHV EXVLQHVVHV DQG IRXQGDWLRQV DUH DW WKH KHDG RI WKH $/6 :LVFRQVLQ &KDSWHU (DFK KDV DQ LQGLYLGXDO YLVLRQ EXW DOO VKDUH D FRPPRQ JRDO WR FUHDWH D ZRUOG ZLWKRXW $/6 1RZ :H :DQW WR &RQQHFW ZLWK <RX )LQG XV RQ )DFHERRN 7ZLWWHU :RUGSUHVV DQG 'LGHR :H¶UH DOZD\V DYDLODEOH WR )LQG XV RQ )DFHERRN 7ZLWWHU DQG :RUGSUHVV :H¶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¶OO OHDUQ DERXW RXU GRQRUV DQG FDXVHV DQG DGGUHVV LVVXHV WKDW DUH YLWDO WR WKH $/6 &RPPXQLW\ :H¶OO DOVR KHOS \RX VWD\ XS WR GDWH RQ RUJDQL]DWLRQDO QHZV DQG HYHQWV DQG WKH $/6 :LVFRQVLQ &KDSWHU¶V PHDQLQJIXO LQLWLDWLYHV 9LVLW RXU VLWHV EHORZ WR H[SORUH HDFK RI RXU FRPPXQLWLHV DQG EH VXUH WR MRLQ LQ :H KRSH WR WDON WR \RX VRRQ

$/6 $VVRFLDWLRQ :LVFRQVLQ &KDSWHU

#$/6ZLVFRQVLQ

KWWS MLPVMRXUQH\ZLWKDOV ZRUGSUHVV FRP

9LVLW RXU ZHEVLWH DW DOVDZL RUJ

ZZZ GLGHR FRP $/6


U9 T/afD_TaU\DTf

a<D;Aa\9/a3;69\a 6 ;AU\a :H DOO KDYH D VWRU\ WR VKDUH DERXW RXU ¿JKW WR GHIHDW $/6 6HQG \RXU SKRWRV PHPRULHV YLGHRV DQG PRUH WR VDUDKBMDPHV#PH FRP DQG WKH\¶OO EH SRVWHG RQ WKH RI¿FLDO :LVFRQVLQ $/6 WXPEOU IRU DOO WR VHH 7R YLHZ WKHVH DPD]LQJ VWRULHV RI IDLWK KRSH DQG ORYH SOHDVH YLVLW

DOVZLVFRQVLQ WXPEOU FRP


Chasin’ a Cure ALS Tailgate





7KH VW )DWKHU 'DQ )DUOH\ :DON WR )LJKW $/6


<DUG 'DVK KRVWHG E\ WKH 1DUE 2UJDQL]DWLRQ

:RPHQ¶V &KDPSLRQ 6DUDK 0HOLVVD .DXIPDQ


Jim Eutizzi shares his journey at Milwaukee Lutheran David Koch you will live on in the hearts of all at Milwaukee Lutheran.



'D\ )RU


UH +RSH


9 A=_ D]_ D/U)9_ @;>c


c_ _ T;/A-U




7KDQN \RX +DUSRÂ¥V +HURHV $ VWURQJ SLWFK IRU $/6 $ZDUHQHVV


7KDQN <RX 7HDP *OHDVRQ ZZZ WHDPJOHDVRQ RUJ


+RSH WKURXJK 5HVHDUFK 6XSSRUW WKURXJK &DULQJ RXJK &DULQJ


7KH +RSH/LQH $/6 $VVRFLDWLRQ :LVFRQVLQ &KDSWHU 7 7K KH +R +R +RSH SH/ /LLQ QH H H $ $/66 $ $VV VVR RFFLLD DWL WLR RQ Q : :LLVVFR FRQV QVLLQ Q & &KD KDS KDSW SWWHU HU


A Unique Perspective

0RVW SHRSOH GRQ¶W FRQVLGHU $/6 WR EH D KXPRURXV WRSLF EXW , KRSH \RX HQMR\ VRPH RI WKH FRP SDULVRQV :LWKRXW KXPRU , ZRXOG SUREDEO\ EH EHWWHU RII GHDG VR , FKRRVH KXPRU , ¿JXUH , DP HQWLWOHG WR GR VR

6LPLODULWLHV &- LV ZDONLQJ LQGH SHQGHQWO\ QRZ DQG KH DQG , DUH DERXW HTXDOO\ ZREEO\ :H UHVHPEOH GUXQNHQ VDLORUV ZKHQ ZH ZDON ZLWKRXW VXSSRUW :KHQ KH ORVHV KLV EDODQFH KH VLPSO\ VLWV GRZQ , FDQ¶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³'LIIHUHQFHV´ WRR

, ZLOO EH FRPSDULQJ P\ VWDWXV ZLWK WKDW RI P\ RQH \HDU ROG JUDQGVRQ &KDUOHV -DPHV -DFREVHQ &- +H LV D GDUOLQJ DQG YHU\ JRRG QDWXUHG EDE\ ZKRP , ORYH GHDUO\ , ZLOO SUHVHQW VLPLODULWLHV DQG GLIIHUHQFHV EHWZHHQ XV

'LIIHUHQFHV &- FDQ QRZ XVH D VWUDZ WR GULQN OLTXLGV , FDQ QR ORQJHU XVH RQH , VWLOO IHHG P\VHOI &- LV OHDUQLQJ WR IHHG KLPVHOI 6ZDOORZLQJ LV JHWWLQJ HDVLHU IRU KLP DQG PRUH GLI¿FXOW IRU PH +H ZHDUV GLDSHUV , GRQ¶W +H

$V D SKLORVRSKHU , KDYH D ZRQGHU IXO RSSRUWXQLW\ WR DGG WR WKH FHQ WXULHV RI DUJXPHQWV SXW IRUWK E\ PXFK PRUH IDPRXV SKLORVRSKHUV DERXW WKH IDGLQJ RI RQH OLIH DV DQRWKHU OLIH EHJLQV 7KLV LV QRW PHDQW WR EH PDXGOLQ EXW UDWKHU D KXPRU RXV FRPSDULVRQ RI WZR SHRSOH DW GLIIHU HQW VWDJHV LQ WKHLU OLYHV

FDQQRW GUHVV KLPVHOI \HW , VWLOO FDQ EXW LW LV JHWWLQJ PRUH GLI¿FXOW +H LV VWURQJHU WKDQ , DP ZLWK PDQ\ RI KLV PXVFOHV +H FDQ VSHDN RQO\ JLEEHULVK EXW EHWWHU WKDQ , FDQ , FDQ XVH DQ L3DG DQG L3KRQH +H FDQ¶W EXW KH ZRXOG VXUH OLNH WR WU\ +H LV JHWWLQJ QHZ WHHWK , KDYH PLQH DQG PDLQWDLQ WKHP +H ZDQWV WR H[SORUH HYHU\ WKLQJ , KDYH DOUHDG\ PDGH PRVW RI WKRVH GLVFRYHULHV +H ZDQWV WR FUDZO DQG ZDON DURXQG FRQVWDQWO\ , ZDQW WR VLW &- LV JHWWLQJ WDOOHU , DP JHWWLQJ VOLJKWO\ VKRUWHU &- LV JDLQ LQJ ZHLJKW , DP ORVLQJ LW , FDQ VWD\ XS SDVW 30 &- FDQ¶W , JHQHU DOO\ GRQ¶W SRLQW DW SHRSOH &- SRLQWV DW HYHU\WKLQJ &- OLNHV WR SOD\ WKH SLDQR , VWRSSHG ¿IW\ \HDUV DJR

5HJDUGLQJ ERRNV , UHDG WKHP &- FKHZV RQ WKHP , KRSH \RX HQMR\HG WKLV EULHI DQG KXPRURXV FRPSDULVRQ 7KDW LV DOO IRU QRZ SOHDVH EH VDIH DQG HQMR\ WKH UHVW RI \RXU VXPPHU &KXFN (JR &KXFN (JR LV D 3$/6 IURP *HU PDQWRZQ 2XU WKDQNV WR &KXFN &- DQG &-¶V SDUHQWV IRU VKDULQJ WKHLU VWRU\ (G

7KH +RSH/LQH $/6 $VVRFLDWLRQ :LVFRQVLQ &KDSWHU


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

7KH +RSH/LQH $/6 $VVRFLDWLRQ :LVFRQVLQ &KDSWHU

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¿HOG -DPHV 6RUHQVRQ -DPHV 6SUHQJHU :LOOLDP 7DOERW 5DOSK :LWWH 0$57+$ 672/$5 7HUU\ .LYOH\ 526(0$5< :$/'(1 6WHYH $OOHQ

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

/,9,1* 75,%87(6 6+(,/$ %$1'/(5 %HY /LHYHQ *(5$/' %$66 6KHLOD 6FRWW -,0 +,&.6 3KLOLS +LFNV +$5/(1( /(9,1 -XG\ 6DLFKHN +$16 6&+(5=( ,UPDJDUG 6FKHU]H -$&48(/,1( 678/7= 3UXGHQWLDO )LQDQFLDO

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

/RUL -HQVHQ -XG\ -XU\ 0DUWLQ .DEDFN %UDGOH\ .DKO +HUEHUW .DUOV .HYLQ .HDWLQJ -RKQ .HPSNHQ 5REHUW .ORHKQ 0DULH .RFK 0DUN .RHKOHU .RKO¶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

7KH +RSH/LQH $/6 $VVRFLDWLRQ :LVFRQVLQ &KDSWHU

1RWH 7KHVH GRQDWLRQV ZHUH UHFRUGHG IURP -XQH DQG 6HSWHPEHU 7KH GRQDWLRQV WR RXU :DON WR 'HIHDW $/6 ZLOO EH SRVWHG RQ RXU ZHEVLWH ZZZ DOVDZL RUJ DW WKH HQG RI 1RYHPEHU 6RPH GRQD WLRQV IURP WKHVH HYHQWV DUH VWLOO EHLQJ WDEXODWHG VR LI \RXU FRQWULEXWLRQ LV QRW OLVWHG LW OLNHO\ ZLOO EH OLVWHG LQ WKH QH[W LVVXH $V D UHPLQGHU GRQDWLRQV WR WKH &KDSWHU DUH LGHQWL¿HG DV IROORZV 0HPRULDO ,V LQ PHPRU\ RI D SHUVRQ ZKR KDV GLHG UHJDUGOHVV RI ZKHWKHU WKDW SHUVRQ ZDV DQ LQGLYLGXDO ZLWK $/6 /LYLQJ 7ULEXWH LV LQ UHFRJ QLWLRQ RI DQ LQGLYLGXDO OLYLQJ ZLWK $/6 +RQRU ,V LQ UHFRJQLWLRQ RI DQ\ RWKHU SHUVRQ HYHQW RU PLOHVWRQH &RQWULEXWLRQ ,V DQ\ RWKHU GRQDWLRQ LQ FDVK RU LQ NLQG ZKHUH D VSHFL¿F KRQRUHH LV QRW LGHQWL¿HG 7R HQVXUH SURSHU DWWULEX WLRQ SOHDVH SURYLGH WKH FDWHJRU\ RI GRQDWLRQ DQG WKH QDPH RI WKH SHUVRQ EHLQJ KRQRUHG :H KDYH LPSOHPHQWHG D QHZ GDWD EDVH ,I \RXU GRQDWLRQ LV QRW OLVWHG DERYH LW ZLOO EH OLVWHG LQ WKH QH[W +RSH/LQH



7+( $/6 $662&,$7,21 :LVFRQVLQ &KDSWHU 1RUWK 0D\IDLU 5G 6XLWH :DXZDWRVD :,

121 352),7 25* 8 6 3267$*(

3$,'

0,/:$8.(( :, 3(50,7 12

&KDQJH 2I $GGUHVV ,I \RX¶YH UHFHQWO\ PRYHG JLYH XV D FDOO RU VHQG XV DQ HPDLO DQG OHW XV NQRZ \RXU QHZ DGGUHVV ,I \RX QR ORQJHU ZDQW WR UHFHLYH WKLV QHZVOHWWHU RU RWKHU &KDSWHU PDLOLQJV SOHDVH KHOS XV VDYH RQ FRVWV E\ FDOOLQJ RU HPDLO XV DW LQIR#DOVDZL RUJ DQG OHW XV NQRZ 7+$1. <28

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¿FLDU\ LQ \RXU ZLOO WR D PRUH FRPSOH[ WUXVW DUUDQJH PHQW <RX FDQ PDNH D JLIW WRGD\ XVLQJ DVVHWV VXFK DV VHFXULWLHV UHDO HVWDWH RU SHUVRQDO SURSHUW\ )RU PRUH LQIRUPDWLRQ DERXW KRZ WR OHDYH D /HJDF\ RI +RSH SOHDVH IHHO IUHH WR FDOO XV DW <RX FDQ OHDUQ KRZ WR SODQ D JLIW WR RXU &KDSWHU DQG ZH¶OO WHOO \RX DERXW FUHDWLYH JLYLQJ VWUDWHJLHV WKDW FDQ EHQH¿W \RX DQG KHOS XV IXO¿OO RXU PLVVLRQ DV ZHOO

$/6 $VVRFLDWLRQ :LVFRQVLQ &KDSWHU ‡ ‡ LQIR#DOVDZL RUJ ‡ 1 0D\IDLU 5G 6XLWH ‡ :DXZDWRVD :,


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