GAC Book 6th edition

Page 1

6th Edition

Grants & Affiliations Committee Handbook for Clubs & Societies



anusa australian national university students’ association

Published by Australian National University Students’ Association


3rd Edition 2011 Edited by Purdy Nahan 4th Edition 2012 Edited by Dallas Proctor 5th Edition 2013 Edited by Shan Verne Liew 6th Edition 2014 Edited by Gowrie Varma


Grants & Affiliations Handbook for Clubs & Societies

For Executives of Clubs & Societies For many students, getting involved in Clubs & Societies is the highlight of their university experience. Your members will make new friends, learn new skills, be offered unique leadership opportunities and attend vibrant events. Our Clubs & Societies are formed by students and are open to everyone. To all club and society executive members, best of luck and thank you for giving your time and energy to make our Clubs and Societies Program one of Australia’s most engaging. If you can’t find a Club or Society you want to join, we encourage you to start your own!


Quick Reference Grants and Affiliations Committee (GAC) Meets weekly in the ANUSA Boardroom, sitting times vary from semester to semester. GAC meeting times can be found at: //anusa.com.au/gac/ Appointments are necessary for bonus sponsorship grants All other grant applications can be made online at: //anusa.com.au/gacapp/ For assistance with any Club or Society matters, including appointments and receipts: ANU Students Association Students’ Facilities Building 17a (Above the Student Space in Union Court) Office hours 9am - 5pm Monday to Friday Email: sa.gac@anu.edu.au or call 6125 2444 For space bookings and equipment hire: Brian Kenyon Student Space, Ground Floor Students’ Facilities Building 17a Email: sa.studentspace@anu.edu.au Mastering the contents of this Handbook is essential for each Club/Society Executive. Even if you are not affiliate with GAC, the rules in Part 4 are applicable to all Clubs & Societies at ANU. We hope you familiarize yourself thoroughly with the contents of this guide.


Contents AFFILIATE Affiliation Why Affiliate with GAC? How to get an ABN How to get a valid bank account How to choose your three trustees How to make sure your Constitution is valid How to prove you have at least 15 members

The Process

Grant Applications Budget Requests Types of Grants: Major Event Minor Educational Event Minor Social Event Capital Expenditure Grant Transportation Grant New Clubs & Societies Start-up Grant

Funding Caps Rules Retrospective Funding Funding Prohibitions

RECEIVing payment Payment Request Prospective Funding Option Supplementary & Alternative Funding Avenues

RUNNING YOUR CLUB Free Ancillary Entitlements Running Events on Campus Managing your Club/Society: Dissolution Forced Disaffiliation AGM Mail Banking Tips Managing Your Membership Lists Amending Your Constitution

Building a Profile The ANUSA Calendar



AFFILIATE Why Affiliate with GAC? How to Affiliate: Building a profile How to get an ABN How to start a club bank account How to choose your three trustees How to make sure your Constitution is valid How to prove you have at least 15 members


Affiliate

Why Affiliate with ANUSA? ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊

Access to funding for your regular events Free print quota Free access to ANUSA equipment hire Free access to ANU rooms, including the ANUSA Boardroom Free BBQ hire Free pigeon hole at ANUSA for mail delivery Cover under ANUSA’s public liability insurance policy Opportunities to win ANUSA awards for your Club

What you will need to affiliate Clubs and Societies must affiliate annually To affiliate, your Club or Society will need to submit: ◊ ◊ ◊ ◊ ◊

A bank account An ABN A constitution (sample provided in ANUSA constitution) Three trustees At least 15 ANU student members

Specific requirements for all of the above are explained in this book. Affiliation takes ten minutes and is completed at //anusa.com.au/campuslife/


How to start a valid club bank account You are free to choose any bank, but we suggest you choose one with a branch on campus. To open an account, you will be asked by the bank to submit: • • • • • • • • • • • •

Minutes from a meeting stating The full name of you Club/Society The full names of the trustees and their positions That the trustees are authorized to operate on the bank accounts Method of operation Whether accessing fund will require one-to-sign or two-to-sign Whether you require a cheque book, deposit book or debit card The Club/Society’s Constitution An ABN A completed Authority to Operate on a Business Account form, issued by the bank A letter from ANUSA to prove you are a Club/Society (only required by some banks) If this is required, email sa.vicepres@anu.edu.au for a signed letter of confirmation

Use ANUSA’s address to open the bank account: <<Club/Society Name>> ANU Students’ Association Students’ Facilities Building 17a Australian National University ACTON 0200



Australian Business Number You can register an ABN or find the ABN of your Club online //abr.gov.au/ The following ABN Guide is available online at //anusa.com.au/abn/ As an organisation affiliated with GAC and ANUSA, you must register as a not-for-profit.


How to apply for an Australian Business Number

Go to //www.abr.gov.au/

Go to ‘Apply for an ABN’:

Scroll down to:


Entity details are highlighted in yellow


Continue to fill out the required fields:

The address must be listed as ANUSA:


Add your three club officers (trustees):

The rest is easy.

anusa australian national university students’ association


. .Affiliate

How to choose your three trustees Usually, the trustees are the President, Secretary and Treasurer of the Club/Society; however you may make alternative arrangements if that is preferred. The trustees are responsible to GAC for: ◊ ◊ ◊ ◊ ◊ ◊

Holding meetings that are open to all members Presenting the budget at a meeting in accordance with the Constitution Acting as authorities on the Club/Society’s bank account Reconciling the Club/Society’s funds at the end of the year Arranging handover to next year’s trustees Maintaining: • • • • •

The minutes of committee and general meetings The Constitution The current membership list Documentation relating to the Club/Society’s bank account Accounts and receipts for the Club/Society

Ensuring compliance with the Club/Society’s Constitution and the GAC regulations contained in this handbook

If the Constitution of the Club or Society does not include a provision for the appointment of trustees, then the President, the Secretary and the Treasurer are deemed the trustees for regulatory purposes. You can have non-ANU student/general public members; however they must not hold more than one of the trustee positions and must not be counted in respect of funding decisions.


How to make sure your Constitution is valid You can either • Use the model Constitution available on the ANUSA website: //anusa.com.au/modelconstitution/ or //anusa.com.au/constitutionform/ or • Write your own Constitution: 1.

Dissolution Clause

“The club/society can be dissolved by decision of the current membership at a general meeting or when the club/society ceases to operate due to no members being elected to the executive/ trustee positions and the club/society ceasing to function through natural attrition. In the case of the club/society being dissolved any excess assets, property, funds or money remaining after all debts and liabilities are paid shall not be given to members but shall be given or transferred to the ANU Students’ Association.” 2.

Affiliation Clause

“This Club/Society is affiliated to the Clubs and Societies Committee of the ANU Students’ Association and the Postgraduate and Research Students’ Association and anything in this Constitution which is inconsistent with the ANU Students’ Association Clubs and Societies Regulations is null and void to the extent of inconsistency”. 3.

Not-for-profit Clause

“The assets and income of the Club/Society shall be used only for the promotion of the Club/ Society’s objectives and no portion may be paid or transferred directly or indirectly to members of the Club/Society except as: • Bona-fide remuneration for services rendered by the members to the Club/ Society; • Repayment of expenses incurred on behalf of the Club/Society; • Interest at a rate not exceeding interest at the rate for the time being which is or would 
be charged by the Clubs/Society’s bankers for money lent to the Club/ Society; and • Bona-fide rent for premises let to the Club/Society Where a Club/Society’s Constitution is silent on an issue, the ANUSA Model Constitution will apply. Your Constitution must allow a reasonable degree of control of the affairs of the Club or Society by its members by means of general meetings and/or resolutions, which may override or amend executive actions or proposals.


. .Affiliate

How to prove you have at least 15 members You must maintain, and be able to submit to ANUSA upon request, an updated membership list containing the following information • •

Member names Student numbers

Student and non-student members should be listed separately. After affiliation, student members must ‘join’ your organisation on Campus Life. Tip: Digitising paper membership lists after O-week Market Day can be time-consuming and tedious. We suggest that Clubs & Societies provide access to Campus Life registration on a laptop or tablet on the day.


ANUSA Bush Week 2013



The Process Now you have a Bank account ABN Constitution Three Officers (trustees) Fifteen Members

You’re ready to affiliate! //anusa.com.au/ANUCampusLife/

or a shortcut for existing members //anusa.com.au/affiliate/


The Process //anusa.com.au/ANUCampusLife/ 1.

Click “Sign in with your Campus ID”

Use your Uni ID and Password


Welcome to the Campus Life Community Home Page 2.

Click “Browse Organisations”

3.

Click “Register New Organisation”


The Process 4.

Select the ANUSA Umbrella

5.

Fill in the registration form Don’t forget to upload a logo/image as your organisation’s Profile Picture

6.

Upload the relevant documents If you are having trouble, see below on how to obtain a bank account, ABN or Constitution.


Remember to click “Finish” when you’re done

8.

GAC recommend you enable e-mail notifications

>>>

>>>

Application Complete! You will receive a notification in the top right hand corner of the screen when your request for affiliation has been approved or if more information is required.

^^^

7.



Grant Applications Budget Requests Types of Grants Rules Funding Prohibitions Payment Requests


Applying for Grants

Budget Requests 1.

Go to /www.anusa.com.au/campuslife/ and sign in using your Uni ID and Password

2.

Once you’re logged in, you’ll find yourself at the ANU Campus Life

3.

Go to “My Memberships” click on the organization for which you’d like to apply for a grant

4.

This will take you to your organisation’s OrgSync profile. Go to “Treasury”


5.

Go to “Manage Budgets”

6.

Go to “New Budget”

7.

Add one “Line item” with the description as the event name

8.

The budget requested for this item is the total amount for the event An itemised invoice will be required at a later date for the Payment Request

9.

Submit your application


. . Applying for Grants

Once you have placed a Budget Request, you will receive one of two outcomes. Either you will receive a notification on Orgsync/email that it has been approved or you will receive an email to clarify details and GAC will request a meeting with you. If your application is inconsistent with the regulations in this Handbook, the application will be declined by GAC or we will request that you schedule a GAC appointment to discuss the application.


ANUSA Bush Week 2013


Types of Grants Clubs & Societies may apply for funding in any of the following categories:

Events Major Event • • • •

Must have 80+ attending ANU students, E.g. ball, festival, musical, student production, high profile speaker Maximum funding = $9 per ANU student in attendance Does not include BBQ events

Minor Educational Event • •

Under 80 attending students E.g. BBQ, restaurant outing, campaign not directly relevant to students Maximum funding = $7 per ANU student in attendance`

Minor Social Event • •

Under 80 attending students Maximum funding = $7 per ANU student in attendance`

Transportation Grant • • • • • • • •

Flight or coach tickets, petrol costs For overseas or interstate travel only Max funding = 50% of cheapest economy class ticket Petrol costs are reimbursed at the discretion of the GAC Committee Max funding for airfares to Melbourne/Brisbane = 50% of the cheapest economy ticket up to $175. Max funding for airfares to other cities = 50% of the cheapest economy ticket. Car pooling interstate to NSW & Victoria is encouraged ANUSA Greyhound Grant. 75% discount on coach travel within Australia //www.greyhound.com.au/


Capital Expenditure Grant • • •

E.g. T-shirts, website set-up, equipment purchase Must show that it will be available for use and benefit of all your members Max funding = $500 per application, max 1 application per year

New Clubs & Societies Start-up Grant • • •

E.g. BBQ to solicit membership, inauguration event for the Club/Society The grant must be for a proposed event that aims to solicit membership Max funding = $200 per newly established Club/Society (<three years)

Also, your Club/Society may be eligible for a sponsorship bonus, entitling your Club/Society to additional reimbursement of your event costs. •

The bonus is equal to 30% of the value of any external (i.e. not from ANU) sponsorship obtained, up to $1000 per year. Applications can be made at GAC meetings, find details //anusa.com.au/gacmeet/

Funding Caps The following limits apply to all grants issued by GAC to Clubs & Societies • • • •

Clubs/Societies may claim up to (and no more than) 90% of the total expense of each event. This does not apply to start-up grants or sponsorship bonus grants. If your final profit exceeds $200, GAC is entitled to deduct, from your grant, the value of any profit over $200. Each Club/Society may be funded up to the annual cap of 9% of the total GAC budget or $10,000 (whichever is the lesser amount). The maximum funding for any single event is $4000.


Rules

When applying, your Club/Society will be asked to supply the following information: ◊ ◊ ◊ ◊

The type of grant requested Basic details about your event (if applicable) Number of attending ANU students A budgeted proposal, including • Relevant evidence of expenses and all other income sources • We encourage you to upload any additional supporting documentation

Please note that the following rules apply to making an application: ◊ ◊ ◊ ◊

Grants can only be approved for a single activity If an event is already fully funded by alternative sources, GAC will decline the application. But, Clubs & Societies may still apply for a loss guarantee. If GAC believes that the application includes unreasonable expenditure, GAC may decline or request a meeting to discuss you application If a meeting with GAC is requested regarding your application, • Your club/society should endeavor to send at least two trustees • You may need to talk to us about your event, how much you expect to spend/ recoup, and compliance with GAC’s criteria

Retrospective Funding To guarantee you GAC funding, your Club/Society should apply for GAC grants at least two weeks before your event is to take place. If you apply after the event has taken place, GAC may reject you application.


La Toma Tina 2013


Funding Prohibitions

Funding applications will not be processed for:

1.

Activities that are not open to the entire ANUSA membership This clause may be waived at GAC’s discretion for events that are designed for specific year groups or are gender specific events;

2.

Expenses that include donations to charities or other external organisations

3.

Expenses directly intended to promote a candidate for any office/appointment

4.

Functions that do not comply with ANU Facilities and Services’ (F&S) Functions on Campus Policy: //anusa.com.au/anucampusfuncions/ Any concerns/questions about risk management and event organization can be directed to the ANUSA Social Officer at sa.social@anu.edu.au

5.

Funding for the purchase of alcohol or tobacco; Cash prizes;

6.

The purchase of items that become the personal property of Club or Society members, excluding Club/Society branded merchandise;

7.

The payment of debts or overdrafts due to mismanagement of Club or Society finances;

8.

Any activity by a Club or Society which is intended to promote, or is in itself, an illegal activity;


9.

Any activities (including their promotion) that do not comply with relevant federal and territory anti discrimination legislation;

10. Any activities that discriminate or harass on the basis of sex, race, age, marital status, sexuality, religion, or disability; or defame, coerce, intimidate or physically threaten an individual or group;

11.

Any promotional activities that do not comply with ANUSA and University promotion policies;

12. Clubs and Societies affiliated with ANU Sport and Recreation; Functions held at private homes;

13. Clubs and Societies that are not affiliated when the event or activity occurs and/or have been refused affiliation for the period in which the event or activity occurred;

14. Affiliation fees to other organisations

15. Funding for honoraria or stipends

16. Funding for expenditure that is not compatible with Student Services and Amenities Fee (SSAF) criteria

17. Activities already funded by the Students Extracurricular Enrichment Fund (SEEF).


Receiving payment Budget Request Approved? Now what?

Payment Request 1.

Go to My Memberships, select the organization for which you’d like to apply for a grant

2.

This will take you to your organisation’s OrgSync profile. Go to “Treasury”

3.

Go to “Manage Budgets”


4.

Select the approved Budget

5.

Upload all your receipts if you don’t have easy access to a scanner you can always use a camera phone

6.

Go to “Details”

7.

You are now ready to “Request Payment”

Your payment will be approved and paid based on the rules outlined in this Handbook. Please allow at least 14 days for the payment to be processed.


ANUSA O-Week 2014


. . Receiving payment

Prospective Funding Option In exceptional circumstances, GAC may allow a portion of your grant to be paid before your event has take place. To do this, speak with GAC and submit you invoices/receipts before the event. Reminder: All grants are transferred to your Club/Society account only AFTER your Club/ Society has uploaded the relevant recipes. If you are requesting the Prospective Funding Option, you can submit invoices instead.

Supplementary & Alternative Funding Avenues Alternative sources are a great way to boost your revenues without burdening members. Profitable events - Events can be run at a profit to fund future loss making events. Economies of scale can make it quite easy to make a profit, even if contributions are relatively small. Students are usually more than happy to contribute to costs. Events that invite external parties, particularly adults, are excellent opportunities to generate a profit. Fundraising - Many choose to fundraise, through events such as trivia nights, raffles and cake stalls.

Sponsorship GAC offers sponsorship bonuses. It is often easier to acquire physical gifts or in-kind contributions, such as free printing, rather than money – these are often useful for raffles. Government and Community Grants.

Government and Community Grants There is also a myriad of government and community grants available to non-profits.



Running a club Running your Club/Society Events on Campus Managing your club The ANUSA Calendar


RUNNING YOUR CLUB/SOCIETY

Free Ancillary Entitlements Clubs & Societies affiliated with GAC are entitled to the following benefits, at no cost:

Free print/photocopy quota at ANUSA //anusa.com/print/ Free room hire of the ANUSA Boardroom ANUSA Office Manager, Eleanor Boyle sa.admin@anu.edu.au Free hire of rooms on ANU campus functionsoncampus@anu.edu.au or, for sporting rooms: //www.anu-sport.com.au/facilities/ Free BBQ/Soup Urn/Marquee Hire //anusa.com.au/hire/ sa.studentspace@anu.edu.au Free PA-System Hire //anusa.com.au/hire/ sa.studentspace@anu.edu.au Free Bus Hire //anusa.com.au/bus/ sa.studentspace@anu.edu.au


Events on Campus

Selling Food on Campus Be careful when selling food on campus: student groups are not allowed to sell food in Union Court or in “close proximity to commercial food outlets�. Legally, students are also obliged to comply with policies set by Food Safety Standards of Australia, which is accessible here: //anusa.com.au/foodsafety/ Groups are allowed to give out food in Union Court. Contact sa.gac@anu.edu.au for information on hosting Universal Lunch Hour Calendar An Events Calendar exists on the Campus Life homepage featuring all upcoming Club/Society events. To maximize exposure and advertising, we strongly recommend that you out all your upcoming events on this Campus Life calendar. Getting Approval for your Event All events on campus (in any location other than the ANU Union Building) must be approved by ANU Facilities and Services, regardless of the number of people attending. The application form, and the relevant policies on topics such as noise, can be found at //anusa.com.au/fs/


. .Events on Campus

Indigenous, Queer and Womens’ Events Your Club/Society should contact the following people when planning any event related to or concerning these subjects: 
 Indigenous Events: ANUSA Indigenous Officer sa.indigenous@anu.edu.au Queer* Events: ANUSA Queer* Officer sa.queer@anu.edu.au Womens’ Events: ANUSA Womens’ Officer sa.womens@anu.edu.au Environmental Events: ANUSA Environment Officer sa.environment@anu.edu.au Disabilities Events: ANUSA Disabilities Officer sa.disabilities@anu.edu.au International Events: ANUSA International Students’ Officer sa.international@anu.edu.au You should also contact PARSA’s Equity Officer //parsa.anu.edu.au/yourrepresentatives/


Managing your Club

Dissolution If an affiliated Club/Society’s account has remained dormant for more than 12 months, the GAC Chair or his/her nominee may take one of the following actions: ◊ ◊

In consultation with the ANUSA Treasurer, recover any funds from the Club/Society’s account. On behalf of the GAC, recover any Club/Society assets purchased using funding provided by GAC or ANUSA.

Forced Disaffiliation The Grants and Affiliations Committee may disaffiliate any Club or Society which: ◊ ◊ ◊ ◊

GAC believes has provided it with manifestly false information in order to gain an unfair advantage; or GAC believes, upon inspecting the accounts of the Club or Society, has been financially mismanaged; or Repeatedly fails to carry out the directives of GAC, provided that such directives are allowed under these Regulations; or Manifestly fails to carry out its obligations under these Regulations.


Managing your Club

Annual General Meeting Prior to any decision, the GAC Chair or her/his nominee must invite a representative of the Club/Society being considered for disaffiliation to appear before the Committee. A motion to disaffiliate a Club/Society must be carried by a two-thirds majority of the GAC committee. The GAC Committee may require the disaffiliated Club/Society to transfer to GAC, within 14 days notice, all funds from GAC and all assets purchased as a result of GAC funding. Within 14 days after holding the Annual General Meeting in each year, the trustees of each affiliated Club and Society must forward to the GAC Chair: ◊ ◊ ◊ ◊

◊ ◊ ◊

The Annual Report adopted by the Annual General Meeting; and The names of office bearers elected at the Annual General Meeting; and The annual statements of income and expenditure and the balance sheet as adopted by the Annual General Meeting. Minutes of the annual general meeting of the club/society which include: • Attendance list (including student numbers), • President’s report, • Treasurer’s report, • Results of election of office bearers, • Any constitutional changes; Ledger of all income and expenditure including copies of tax invoices/receipts for all expenditure (template available on the ANUSA website); List of transactions from 30 November (previous year) to date of submission of records The names and contact details of all incoming executive members/trustees.


Mail ANUSA provides a free mail service to all affiliated Clubs & Societies. All postal items should be sent to ANUSA, where you can collect them from the student space. Our mailing address is: [Club/Society Name] ANU Students Association Students’ Facilities Building 17a Australian National University ANU Canberra ACT 2000

Banking Tips ◊ ◊ ◊ ◊ ◊ ◊

You may use any bank you choose. Once you are affiliated, you may be able to use your affiliation letter to have your bank fees waived. Minimising your use of cash as much as possible enhances security and the quality of record keeping. Banks charge fees for issuing cheques. Many now offer business debit cards, removing the need to reimburse. If your society has a substantial bank balance (over $1000), you should 
consider a high interest online savings account. Many accounts have an overdraft facility of around $500. Withdrawing it will make you liable for any interest, in addition to a monthly fee. To change the authorities on an account, you will require: Minutes from a meeting stating: • Full name of the Club/Society • Full names of the trustees, their positions and a statement that they are authorised to operate on the account • Method of operation (one to sign or two to sign to access funds) A completed Authority to Operate on a Business Account for • All trustees who do not hold personal accounts with the bank will be required to visit the bank together, with identification 
 Submitting these documents will override any previous documentation.


Managing your Club

Managing Your Membership Lists Unless a compelling reason exists (as determined by GAC), no affiliated Club or Society may deny an ordinary member of ANUSA or PARSA membership, provided that they are prepared to pay the relevant joining fee. You may not distinguish between undergraduate and postgraduate members in terms of membership fees or rights. Your Club or Society must respect the rights of members in regard to privacy and confidentiality: ◊ The forms your Club/Society uses to collect information should expressly state your purpose and how the information may be used ◊ Your club must not contact members or potential members for any reason other than those made explicit on the form ◊ If your Club/Society collects details without a form, you should advise why you are collecting the information and how the information may be used ◊ Never accept details from one person on behalf of another person ◊ Forms should specify which details will be passed onto ANUSA

Amending Your Constitution A General Meeting of the Club/Society, and in accordance with its Constitution must pass any changes to a Club/Society’s Constitution. Changes must be lodged with the Grants and Affiliations Committee Chair by email (sa.gac@anu.edu.au) within 14 days of the meeting, along with minutes from that meeting.


Building a profile Add some colour... 1.

Go to “Organisation Settings”

2.

Select the menu item “Cover Photo” and “Upload Image”

3.

Select “Replace”


Building a profile Tour the functions available on the Campus Life platform

Set your Welcome Message...


Set your “Join Options�

You are now ready to add events to the ANU Community calendar, share photos, documents and forms with your group, build your own website and comment in your feed to communicate with your group or share a news item with the ANU Campus Life homepage.


The ANUSA Calendar Post your events on the ANUSA and ANU Community calendar The ANUSA calendar is updated directly from the Campus Life Platform. 1. 2.

Go to your organisation profile Go to “Events”

3.

Go to “Create an Event”

4.

Fill in your event details

5.

Upload an event photo

To add your event to the ANUSA calendar select “Public”


Campus Life News News vs. feed There are two types of news items available. The “Feed” will show your organisation’s activity including comments, RSVP’s and events. Your feed shows only on your Organisation profile

“News” can include images in rich text format and can appear on Campus Life homepage...

Give your post a catchy title and banner image...

Select the publicity setting...



If you’d like more information or training on any of the following Campus Life functions please contact sa.admin@anu.edu.au

◊ Communication ◊ Contact Books ◊ Discussion Forums ◊ Messaging ◊ News ◊ People Management ◊ Privacy Controls ◊ Text Messaging ◊ Polls ◊ Events Management ◊ Events ◊ Calendars Student Card Swipe (entry to events) ◊ Timesheets ◊ To-Do Lists ◊ Files ◊ Documents ◊ Photos ◊ Videos ◊ Websites ◊ Forms ◊ Co-Curricular Transcripts ◊ Treasury ◊ Budget Management ◊ Checkbooks ◊ Invoices

To find out more about the OrgSync platform visit //www.orgsync.com/features/




anusa australian national university students’ association


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