South End Citizen 10-31-2018

EMERGENCY COMMUNITY MEETING HELD TO SEEK SOLUTIONS TO GUN VIOLENCE — PAGE 2

Citizen Week of Oct. 31, 2018

| Vol. 51 | No. 38 | www.thechicagocitizen.com

SOUTH END

Lime is one of the few vendors that participated in Chicago’s Dockless Bike Share Pilot Program on the far south side. The pilot will officially end on Nov. 1 and from there the city will review the results and decide whether or not to offer dockless bike sharing in the city. Photo Credit: Provided by Lime

CHICAGO’S DOCKLESS BIKE SHARE PILOT PROGRAM IS ALMOST OVER

The City of Chicago’s Dockless Bike Share Pilot Program has been taking place on the far south side, south of 79th Street, since May 1 and will be coming to an end on Nov. 1. Lime, one of the bike share companies that participated in the pilot, is hoping that the City will allow them to stay. PAGE 2

NEWS

ZAFUL launches spooky specials for Halloween

Early Voting & Registration Still Available at 51 Chicago sites

REAL ESTATE

PAGE 6

PAGE 3

PAGES 10-14

BUSINESS Money expert Clark Howard releases annual rating of 529 plans by state PAGE 4

FASHION

|

|

Check out our real estate listings for important foreclosure information |

advertising@thechicagocitizen.com thechicagocitizen@thechicagocitiz www.facebook.com/durrell.garth.9 www.thechicagocitizen.com

2 | CITIZEN | South End | Week of Oct. 31, 2018

NEWS briefly EDUCATION

CAREER-BUILDING OPPORTUNITIES AWAIT MINORITY ACCOUNTING STUDENTS The Illinois CPA Society is seeking minority college students who are sophomores, juniors, or seniors interested in accounting to apply for the Mary T. Washington Wylie Internship Preparation Program. This highly competitive and all-expenses paid program will be held January 3-5, 2019. This program prepares up to 25 racially/ethnically diverse students for entry-level positions with access to practical training, resources, and potential future employers. Highlights from the agenda include resume advice and interview coaching from recruiters and volunteer experts.

Additionally, all participants receive a $500 scholarship, business cards, a professional headshot, and a LinkedIn profile. At the end of the program, participating employers conduct onsite interviews with the students for a variety of opportunities, including Abbott Laboratories, Crowe LLP, Deloitte LLP, Ernst & Young LLP, Grant Thornton LLP, KPMG LLP, PwC LLP, and Sikich LLP. Students interested in the program can apply at www.icpas.org/mtww. The application deadline is Friday, Nov. 16, 2018.

HEALTH

MULTI-STATE SALMONELLA OUTBREAK LINKED TO RAW CHICKEN The Illinois Department of Public Health (IDPH) is reporting five cases of multi-drug resistant Salmonella infantis illness. This is part of a multi-state outbreak, which includes 92 cases in 29 states and is being investigated by the Centers for Disease Control and Prevention (CDC). The initial investigation indicates a link to raw chicken. Nearly 90% of cases report preparing or eating chicken products that were purchased raw, including ground chicken, chicken pieces, and whole chicken.

The CDC has indicated there have been more hospitalizations with this outbreak than what is typically seen. The elderly, infants, and those with compromised immune systems are more likely to have a severe illness.

The outbreak strain was identified in live chickens and many types of raw chicken products, indicating it might be widespread in the chicken industry. The CDC continues to investigate the outbreak. More information can be found on the CDC website at http:// www.cdc.gov/salmonella

LAW & POLITICS

CAMPAIGN FEATURES WE TV TALENT ENCOURAGING VIEWERS TO VOTE ON NOV. 6 NAACP, the nation’s foremost civil rights organization, recently announced a partnership with WE tv, the #1 cable network for African-American viewers on Thursday nights, that encourages the channel’s viewers to make their voices heard by voting on November 6.

The non-partisan effort features WE tv talent delivering the “get out the vote” message that underscores the importance of participating in the democratic process and emphasizes that together with the NAACP, WE make a difference.

The national spots, which began airing on the network’s social and linear channels on Thursday, October 4, feature WE tv celebrities such as Romeo Miller, Angela Simmons, Trina Braxton, Towanda Braxton, Bossip’s Tyler Chronicles and more. In addition to WE tv platforms, the NAACP will also distribute the campaign via its Twitter, Instagram, and Facebook accounts, and naacp.org/vote will serve as a hub for resources and information regarding voting.

Chicago’s Dockless Bike Share Pilot Program Is Almost Over Continued from page 1

BY KATHERINE NEWMAN

The City of Chicago’s Dockless Bike Share Pilot Program has been taking place on the far south side, south of 79th Street, since May 1 and will be coming to an end on Nov. 1. Lime, one of the bike share companies that participated in the pilot, is hoping that the City will allow them to stay.

The pilot program was conducted to learn about the potential demand for dockless bikes and to see if a dockless bike share program could work as a way to expand biking options in areas that are not served by Divvy, the current bicycle sharing system in the City of Chicago.

Unlike Divvy’s iconic blue bikes, dockless bike sharing allows riders to begin and end their rides anywhere without finding a docking station.

The vendors that participated in the Dockless Bike Share Pilot Program were Lime, JUMP Bikes, and Pace. Lime operated 50 dockless bikes in the pilot area and

said that they saw a tremendous amount of interest in the community.

“There have been thousands of rides and riders. Clearly, this technology is in high demand in the South Side community.

We hope that by sharing this data with the City, we will be able to expand our presence in Chicago and provide innovative transportation options for all residents,” said Nico Probst, manager of Midwest Strategic Development at Lime.

Following the completion of the pilot program, city staff will evaluate the impact and success of the dockless bikes before making a decision on the long-term suitability of dockless bike sharing in Chicago.

“Residents should contact their Alderman and tell them that they want to expand this program. Community members should explain that the neighborhoods need more bikes so all Chicago residents are better served by bike share technologies. We hope that by sharing these concerns with the city, we will be allowed to continue and expand our e-bike and scooter programs on the

south side,” said Probst.

The dockless bike share pilot service area included part or all of Chicago’s 6th, 7th, 8th, 9th, 10th, 17th, 18th, 19th, 21st, and 34th Wards. These communities were targets because they are not as well serviced by the Divvy bikes. Lime said that their motivation for participating in the pilot program was to help support south side communities in becoming more mobile.

“Lime’s mission is to make the world a more sustainable, efficient, and enjoyable place. Lime is dedicated to revolutionizing urban mobility by helping communities solve transportation issues,” said Probst.

“Lime was motivated to focus its efforts on Chicago’s south side due to the lack of efficient, affordable, and healthy transportation options in the community. Lime’s e-bikes and scooters complement existing transit options while reducing traffic and opening up parking. Having Lime’s e-bikes and scooters on the South Side will help support the vibrant community while reducing local pollution from short trips.”

Emergency Community Meeting Held To Seek Solutions To Gun Violence

BY KATHERINE NEWMAN

Alderman Michelle Harris (8th Ward) recently participated in an emergency community meeting at Bethlehem Star Missionary Baptist Church where six people were shot leaving a funeral on Oct. 22. Several community activists, residents, public officials, and law enforcement officers were also in attendance to offer their input on how to stop south side violence.

During the meeting, William Bradley, Police Commander of the 6th District, gave a brief summary of what happened at Bethlehem Star Missionary Baptist Church, 9231 S. Cottage Grove Ave., during the funeral services for Vantrease R. Criss.

“We were made aware that there was going to be a funeral here and that there might be some disorderly issues so I assigned a vehicle over there which I do often because we have a lot of these types of funerals and events in the district. I assigned a car strictly for patrol and presence in this area,” said Bradley.

Bradley went on to describe that there was a SWAT incident that day which pulled many of his resources and then immediately following that, there was a call for officer assistance and the car he had assigned to the area surrounding Bethlehem Star Missionary Baptist Church responded which is what most officers are trained to do, according to Bradley.

“During the time that they were settling that incident was when we received all the shots fired calls and we responded. I was actually the first officer on the scene and it was pretty chaotic,” said Bradley.

An Emergency Community Meeting was recently hosted at Bethlehem Star Missionary Baptist Church where 6 people were shot following the funeral of Vantrease R. Criss. Photo Credit: Katherine Newman

The Chicago Police Department is currently investigating the incident and Bradley said that they do have video evidence of the shooting that is being reviewed.

It was this shooting that motivated Bethlehem Star Missionary Baptist Church to host the emergency community meeting and allow the community residents, public officials, and law enforcement to address the gravity of this particular situation and share their solutions for creating a safer community.

“In this community, I would really like for us to start creating policies that we have designed as a community,” said Harris.

“This is going to be a real culture change for all of us as a community on how we deal with our children. How do we deal with our children that are in pain? Because

www.thechicagocitizen.com

you gotta be in pain to come here and shoot someone that you don’t even know.”

Several other public officials at the meeting, including Alderman David Moore (17th Ward), State Sen. Elgie Sims (17th District), Cook County Commissioner Richard Boykin (1st District), and Cook County Commissioner Stanley Moore (4th district) shared similar sentiments of wanting to be able to work with their constituents to create better policies and opportunities that would better serve their constituents.

During the time for public comment, several community activists and residents spoke out about a lack of funding for after-school programs, a lack of mental health services in the community, and a lack of job opportunities as being major barriers to creating a safer community.

CITIZEN | South End | Week of Oct. 31, 2018

|

3

NEWS

Early Voting and Registration Services are available for Chicago voters at 51 locations across the city now through Nov. 5.

Early Voting & Registration Still Available at 51 Chicago sites Early Voting and Registration Services are available for Chicago voters at 51 locations across the city now through Nov. 5.

Every Chicago site will be open Monday through Saturday, 9 a.m. to 5 p.m., and Sundays from 10 a.m. to 4 p.m. On Oct. 29, all 51 sites began offering weeknight hours.

Chicago Voters May Use Any of These Early Voting & Registration Sites Early Voting will be offered at: 175 W Washington St. and the 50 ward sites: Dates: Nov. 2: 9 am to 7 pm Sat., Nov. 3: 9 am to 5 pm Sun., Nov. 4: 10 am to 4 pm Mon., Nov. 5: 9 am to 7 pm

Voters don’t need a reason or excuse, and Chicago voters may use any Early Voting & Registration site in the city, regardless of where they live.

For more information, Chicago voters may visit chicagoelections. com or call 312.269.7900 (tty 312.269.0027 for the hearing impaired).

Voters who need to a file name or address change, or who need to register for the first time, will need to present two forms of ID, at least one of which shows the voter’s current address.

Those who register or update their name or address on their registration will vote during the same visit.

SITES

Loop Super Site for Early Voting - 175 W Washington – 100 pieces of voting equipment Ward 1, Goldblatts Building, 1615 W Chicago Ward 2, Near North Library, 310 W Division Ward 3, Hall Branch Library, 4801 S Michigan Ward 4, Dr. Martin Luther King Jr. Center, 4314 S Cottage Grove Ward 5, Jackson Park, 6401 S Stony Island Ward 6, District 3 Police Station, 7040 S Cottage Grove Ward 7, Jeffery Manor Library, 2401 E 100th St. Ward 8, Olive Harvey College, 10001 S Woodlawn Ward 9, Palmer Park, 201 E 111th St. Ward 10, Vodak/East Side, 3710 E 106th St Ward 11, District 9 Police, 3120 S Halsted Ward 12, McKinley Park, 2210 W Pershing Ward 13, West Lawn Park, 4233 W 65th St Ward 14, Archer Heights Library, 5055 S Archer Ward 15, Gage Park, 2411 W 55th St. Ward 16, Lindblom Park, 6054 S Damen Ward 17, Thurgood Marshall Library, 7506 S Racine Ward 18, Wrightwood-Ashburn Library, 8530 S Kedzie Ward 19, Mt. Greenwood Park, 3721 W 111th St Ward 20, Bessie Coleman Library, 731 E 63rd St Ward 21, Carter G. Woodson Regional Library, 9525 S Halsted Ward 22, Toman Library, 2708 S Pulaski Ward 23, Clearing Library, 6423 W 63rd Pl Ward 24, St. Agatha Parish, 3147 W Douglas Blvd Ward 25, Chinatown Library, 2100 S Wentworth www.thechicagocitizen.com

Ward 26, Humboldt Park Library, 1605 N Troy Ward 27, Union Park, 1501 W Randolph Ward 28, W. Side Learning Center, 4624 W Madison Ward 29, Amundsen Park, 6200 W Bloomingdale Ward 30, Kilbourn Park, 3501 N Kilbourn Ward 31, Portage Cragin Library, 5108 W Belmont Ward 32, Bucktown-Wicker Park Library, 1701 N Milwaukee Ward 33, McFetridge Sports Center, 3843 N California Ward 34, West Pullman Library, 830 W 119th St Ward 35, NEIU-El-Centro, 3390 N Avondale Ward 36, West Belmont Library, 3104 N Narragansett Ward 37, West Chicago Library, 4856 W Chicago Ward 38, Hiawatha Park, 8029 W Forest Preserve Ward 39, North Park Village Adm. Bldg., 5801 N Pulaski Ward 40, Budlong Woods Library, 5630 N Lincoln Ward 41, Roden Library, 6083 N Northwest Hwy Ward 42, Museum of Broadcast Communications, 360 N State Ward 43, Lincoln Park Library, 1150 W Fullerton Ward 44, Merlo Library, 644 W Belmont Ward 45, District 16 Police, 5151 N Milwaukee Ward 46, Truman College, 1145 W Wilson Ward 47, Welles Park, 2333 W Sunnyside Ward 48, Edgewater Library, 6000 N Broadway Ward 49, Pottawattomie Park, 7340 N Rogers Ward 50, Warren Park, 6601 N Western

4 | CITIZEN | South End | Week of Oct. 31, 2018

BUSINESS

Money expert Clark Howard releases annual rating of 529 plans by state According to money expert Clark Howard, a 529 plan is the best way to save for college. However, plans vary so wildly by state that it is crucial to carefully select the right plan for you and your family. For this reason, Clark reviewed every commission-free plan in each state and selected the top options for consumers.

“I am so excited about 529 plans this year because the best plans have the lowest management fees ever,” said money expert Clark Howard. “Many plans around the country have slashed costs to the point that only those charging less than 0.20% per year in total management fees make my top-tier list.”

Both Nevada and Ohio are new to Clark’s elite group — the Dean’s List — this year. California, Illinois and New York are Clark’s favorite options in the country because of the extremely low costs. While Georgia, Iowa, Minnesota and Wisconsin were on the Dean’s List last year, those plans are now just a step behind the best in the Honor Roll category.

Not all states have a recommended plan included in Clark’s 529 guide. Texas is off of the list because the size of its population does not match its passive plan. Arkansas, Kentucky and Mississippi are rolling off of the Honor Roll this year, and Wyoming does not currently offer a plan.

“A 529 plan is a beneficial way to save for a child’s education because the money grows tax-free and is spent tax-free for eligible expenses like tuition, books and fees,” notes Clark. “Even better, 529 plans can help younger generations avoid student

Money expert Clark Howard says a 529 plan is the best way to save for college. He reviewed every commission-free plan in each state and selected the top options for consumers.

loans and better prepare for the cost of college so they are not in a mountain of debt after graduation.”

This is Clark Howard’s opinion as of October 2018, and these plans are subject to change.

To see the full list and learn more about 529 plans, visit https://clark.com/education/clarks-529-plan-guide/.

Need Help Selling Your Product or Service?

Reach over 400,000 readers. Ask us how?

ADVERTISE PUBLICIZE MOTIVATE CONVERT!

For Public Relations, Marketing and Social Media Services, contact LG Consulting at 312.690.5663.

Shopping for our services has never easier.

Visit our online store at www.lgpr.biz today!

Like us on Facebook at www.facebook.com/LG Consulting PR Marketing Social Media

Follow us on Twitter @LGConsultingbiz

LISETTE GUSHINIERE

Owner, LG Consulting

Find us on Instagram @lgconsultingtellyourstory

Clark hosts a nationally syndicated radio talk show, prominent podcast and provides advice on television stations around the country. In 1993, he opened the Consumer Action Center helpline — 404-892-8227 — to provide the community with free advice and education to resolve money problems.

Federal Court Orders Illinois Pension Plan to Restore $419,758 Following U.S. Department of Labor Investigation The U.S. Department of Labor has entered into an agreement with the fiduciaries of the Neuroscience Center LLC Defined Benefit Pension Plan to restore $419,758 to the Deerfield, Illinois-based retirement plan. The agreed-upon restoration is part of a consent judgment approved by the U.S. District Court, Northern District of Illinois.

The action follows an investigation by the Department’s Employee Benefits Security Administration (EBSA) that found violations of the Employee Retirement Income Security Act (ERISA) by fiduciary and sole trustee Steven R. Devore Best and the Neuroscience Center LLC. EBSA investigators found Best used monies from the plan for the Neuroscience Center LLC’s operating expenses, funded other companies he owns, and made personal loans to himself. Best conducted most of the unauthorized transactions in 2014 and 2015.

“Our investigation and the settlement that followed restores hard-earned retirement benefits to employees and protects their future,” said Employee Benefits Security Administration Regional Director Jeffrey Monhart, in

Chicago. “This case should remind all fiduciaries that they must work solely in the interest of plans and participants.”

The consent judgment enjoins Best and the Neuroscience Center LLC from serving as fiduciaries to any employee benefit plan subject to ERISA in the future. The court ordered the restored monies to be allocated to participants’ pension accounts - with the exception of Best’s account - and appointed an independent fiduciary to distribute benefits to eligible participants.

Employers and workers can reach EBSA toll-free at 866-444-3272 for help with problems related to privatesector retirement and health plans.

Additional information can be found at http://www.dol.gov/ebsa.

U.S. Department of Labor news materials are accessible at http://www. dol.gov. The Department’s Reasonable Accommodation Resource Center converts departmental information and documents into alternative formats, which include Braille and large print. For alternative format requests, please contact the Department at (202) 693-7828 (voice) or (800) 877-8339 (federal relay).

www.thechicagocitizen.com

CITIZEN | South End | Week of Oct. 31, 2018

EXERCISE YOUR RIGHTS. . .

TUESDAY, NOVEMBER 6, 2018 Get Out And Vote!

Take a neighbor, take a friend or a family member… you want change then get out to the polls.

|

5

6 | CITIZEN | South End | Week of Oct. 31, 2018

FASHION

ZAFUL launches spooky specials for Halloween ZAFUL recently kicked off its Halloween celebration and launched its the Halloween-themed womenswear collection and online pages, bringing a burst of visits to join the carnival beforehand. During the first week of launching, ZAFUL's conversion rate increased over 50%.

For a better Halloween atmosphere, users will always need an attractive outfit to show off the unique style and be festive. ZAFUL has it all figured it out this year with a whole Halloween collection of womenswear, swimwear and sportswear. Will you go scary? Or funny? Or fashionable? Or group-themed?

You can be freshly "Halloweeny" for all occasions this year. Instead of being too costume-like, ZAFUL designers tried to find a balance to keep the items interesting and Halloween elements were subtly applied to make them wearable daily.

ZAFUL recently kicked off its Halloween celebration and launched its the Halloween-themed womenswear collection and online pages.

Each year, Halloween costumes represent style trends and pop culture. It can be inspired either from a figure in a popular animation, or from a scary and stylish movie.

Especially for girls on ZAFUL, the desire for fresh styles will never end. "We love to celebrate this kind of festival with our fans, because they are a group of people who are curious and always willing to experience something different," Ms Long, the Event Manager at ZAFUL said.

E-commerce retailers are entering the high season and ZAFUL has actively prepared new arrivals for each event. Soon enough, the biggest shopping event 11.11, also known as Singles' Day (a Chinese shopping event that surpasses Black Friday sales) will flood the fashion world. Find more Halloween offerings on www.zaful.com

The New Shine 'n Jam® Black Castor and Flaxseed Oil Styler is Now Available in Variety Wholesale and Dollar General Stores Nationwide Ampro Industries recently announced that their DIY-inspired Shine 'n Jam® Black Castor & Flaxseed Oil Styler is now available at Variety Wholesale and select Dollar General stores nationwide.

The roll out of the product has resulted in huge consumer demand that is greatly benefitting its retail partners. This release also marks another huge success for the Shine 'n Jam® brand that boasts such winning products as the Shine 'n Jam Extra Hold Conditioning Gel, Shine 'n Jam Regular Hold Conditioning Gel, Shine 'n Jam Silk Edges, and Shine 'n Jam Shea Edges – which are all fan favorites of professional braiders.

Designed to help consumers with textured hair achieve a variety of trending hairstyles, the Shine 'n Jam® Black Castor & Flaxseed Oil Styler is light weight, gives great slip, and provides a firm hold while leaving the hair feeling soft to the touch – like there isn't any gel on it at all, according to a press release. Targeted at the consumer who is looking for a vegan gel formula that gives hair both shine

and manageability, the Shine 'n Jam Black Castor & Flaxseed Oil Styler is the perfect product because it is also easy on the pocketbook. An 8 oz jar is available in retail for under $3.

"In a growing niche market where prices seem to ravage the purse strings, this product is amazing. It conditions the hair while easing frizz and leaving the hair soft and shiny.

There's a huge cost savings in there and the consumer gets an extremely well formulated product." says Camille Wright, Vice President of Marketing and Communications.

In October 2017, Ampro Industries, Inc., launched the product with a nationwide campaign #Dare2Shine that features two young ladies rocking daring, care free, textured hair looks. Consumers have been charmed by the ad, taking to social media to upload looks they've created using the styler which also give a laidback vibe.

Consumers report being happy that the ingredients in the styler are friendly and good for all hair types. www.thechicagocitizen.com

Ampro Industries recently announced that their DIY-inspired Shine 'n Jam® Black Castor & Flaxseed Oil Styler is now available at Variety Wholesale and select Dollar General stores nationwide.

CITIZEN | South End | Week of Oct. 31, 2018

|

CITIZEN ON THE GO

Seaway Bank “Building A Legacy” Highlights A Community Celebration

Seaway Bank supportes join Mr. Al Bass, Alderman Roderick Sawyer, Daryl Newell, Bruce Rauner and Deborah Crable poses for a photo during the “Building a Legacy” event.

Daryl Newell speaks to the guest attending the “Building on a Legacy” festivites. While in the back ground Deborah Crable, Alderman Roderick Sawyer, and Illinois Governor Rauner listens.

All smiles from the Seaway Bank crew. Joining President Daryl Newell are the owners of Seaway Bank, other Bank Executives and Mr. Al Bass Seaway EVP.

Seaway Bank Division President Daryl Newell shares a laugh with Illinois Governor Bruce Seaway Division President Daryl Newell and Midway Liquors President Everette Rand.

Rauner. www.thechicagocitizen.com

7

8 | CITIZEN | South End | Week of Oct. 31, 2018

CITIZEN On The Move

8th WARD ANNUAL DINNER DANCE

Jerome Simmons mrmagriot@aol.com

Mike Ivy appears overwhelmed as he Eloise Murphy receives Ezekiel Johnson Chester Marks is presented the first Leonard White Service Award from the receives the Orlando Service Award from Award from Alderman Michelle Harris and 8th Wards Regular Organization. Pictured with Marks, are the White Family the 8th Ward Regular Democratic and Alderman Michelle Harris.

Alderman Michelle Harris 8th Ward.

Organization

Stacey Anewishki, Project Director Featherfist a social service organization poses with President Toni Preckwinkle Cook County Board of Comm.

L-R Ald. Michelle Harris 8th, State Senator Kwame Raoul Juliana Straton State Rep. (5) President Toni Preckwinkle Cook County Board Commissioners and and Marcus Evans State Representative (33)

Alderman Michelle Harris (8) is flanked by Darrell Garth President of the Citizen Newspaper Group and Janice Garth Citizen’s G.M..

MWRD COMMISSIONER/V.P BARBARA McGOWAN HOLDS FUNDRAISER

Metropolitan Water Reclamation Department Commissioners Ken Duncan Debra Shore, Pres.Mariyana Spyropulous,V.P. Barbara McGowan, Kari Steele, Alderman Walter Burnett (27) and Comm. Frank Avila,

Ald Walter Burnett (27) and Jones Alderman Chris Taliafaro (29) shares a bit of humor that has Comm. McGowan laughRichmond local 130 Plumbers. ing over remarks.

CITIZEN | South End | Week of Oct. 31, 2018

|

9

T:10.75”

LOOKING FOR A PATH TO HOMEOWNERSHIP?

LET US SHOW YOU THE WAY. Buying your first home shouldn’t be overwhelming. The experienced professionals at Associated Bank are dedicated to guiding you through the entire process from start to finish.

Our Program for Assisting Today’s Homebuyer (PATH) lets you focus on the excitement that comes with owning your first home.

• AssociatedBank.com/Home • Call 800-270-7721

† The Associated Bank PATH Program offers grant assistance of $4,000 to qualified borrowers for down payment and closing costs on first mortgage purchase and construction transactions.

First-time homebuyers will need to complete a Homeownership Educational Program. Other offers may be available, consult your lender for details. Exclusions apply. Associated Bank reserves the right to discontinue the program at any time without notice. * The Leading Lender designation is based on information gathered from the Home Mortgage Disclosure Act data compiled annually by the Federal Financial Institutions Examination Council. The results of the data were obtained through RATA Comply, June 2018.

Loan products are offered by Associated Bank, N.A., and are subject to credit approval and involve interest and other costs. Please ask about details on fees and terms and conditions for these products. Property insurance and flood insurance, if applicable, will be required on collateral. Member FDIC. Equal Housing Lender. (10/18) 12546

T:6.5”

Find out if you qualify for up to $4,000† in grants. Contact us today.

10 | CITIZEN | South End | Week of Oct. 31, 2018

&KDWKDP 6(

5($/ (67$7( $& ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 &20081,7< 5(6725$7,21 &25325$7,21 3ODLQWLII Y (67+(5 ) 5,&( &,7< 2) &+,&$*2 7+( %$1.

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

KRXUV 7KH VXEMHFW SURSHUW\ LV VXEMHFW WR JHQHUDO UHDO HVWDWH WD[HV VSHFLDO DVVHVVPHQWV RU VSHFLDO WD[HV OHYLHG DJDLQVW VDLG UHDO HVWDWH DQG LV RIIHUHG IRU VDOH ZLWKRXW DQ\ UHSUHVHQWDWLRQ DV WR TXDOLW\ RU TXDQ WLW\ RI WLWOH DQG ZLWKRXW UHFRXUVH WR 3ODLQWLII DQG LQ $6 ,6 FRQGLWLRQ 7KH VDOH LV IXUWKHU VXEMHFW WR FRQILU PDWLRQ E\ WKH FRXUW 8SRQ SD\PHQW LQ IXOO RI WKH DPRXQW ELG WKH SXU FKDVHU ZLOO UHFHLYH D &HUWLILFDWH RI 6DOH WKDW ZLOO HQWLWOH WKH SXUFKDVHU WR D GHHG WR WKH UHDO HVWDWH DIWHU FRQILUPDWLRQ RI WKH VDOH 7KH SURS HUW\ ZLOO 127 EH RSHQ IRU LQVSHFWLRQ DQG SODLQWLII PDNHV QR UHSUHVHQWD WLRQ DV WR WKH FRQGLWLRQ RI WKH SURS HUW\ 3URVSHFWLYH ELGGHUV DUH DGPRQLVKHG WR FKHFN WKH FRXUW ILOH WR YHULI\ DOO LQIRUPDWLRQ ,I WKLV SURS HUW\ LV D FRQGRPLQLXP XQLW WKH SXU FKDVHU RI WKH XQLW DW WKH IRUHFORVXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG WKH OHJDO IHHV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J

DQG J

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

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 327(67, 92 $662&,$7(6 3 & :(67 -$&.621 %/9' 67( &KLFDJR ,/

(

0 D L O

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

DQG J

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

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 327(67, 92 $662&,$7(6 3 & :(67 -$&.621 %/9' 67( &KLFDJR ,/

(

0 D L O

LOSOHDGLQJV#SRWHVWLYRODZ FRP $WWRUQH\ )LOH 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FROOHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH , BBBBBBBBBBBBBBBBBBBBBBBBBBBB ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 0,'),567 %$1.

3ODLQWLII Y 75$&< 5 0$//2< $ . $ 75$&< 0$//2< 67$7( 2) ,//,12,6 'HIHQGDQWV &+ 6287+ &5(*,(5 $9(18( &KLFDJR ,/ 127,&( 2) 6$/( 38%/,& 127,&( ,6 +(5( %< *,9(1 WKDW SXUVXDQW WR D -XGJPHQW RI )RUHFORVXUH DQG 6DOH HQWHUHG LQ WKH DERYH FDXVH RQ $XJXVW DQ DJHQW IRU 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ ZLOO DW $0 RQ 1RYHPEHU DW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ 2QH 6RXWK :DFNHU 'ULYH &+,&$ *2 ,/ VHOO DW SXEOLF DXFWLRQ WR WKH KLJKHVW ELGGHU DV VHW IRUWK EHORZ WKH IROORZLQJ GHVFULEHG UHDO

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

DQG J

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

)RU LQIRUPDWLRQ FDOO EHWZHHQ WKH KRXUV RI SP SP 3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 6+$3,52 .5(,60$1 $662&,$7(6 //& :$8.(*$1 5' 68,7( %DQQRFNEXUQ ,/

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

DQG J

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

DQG J

,I WKLV SURSHUW\ LV D FRQ GRPLQLXP XQLW ZKLFK LV SDUW RI D FRPPRQ LQWHUHVW FRPPXQLW\ WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFOR VXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J ,) <28 $5( 7+( 0257*$*25 +20( 2:1(5 <28 +$9( 7+( 5,*+7 72 5(0$,1 ,1 3266(66,21 )25 '$<6 $)7(5 (175< 2) $1 25'(5 2) 3266(66,21 ,1 $&&25'$1&( :,7+ 6(&7,21 & 2) 7+( ,//,12,6 0257*$*( )25(&/2685( /$: <RX ZLOO QHHG D SKRWR LGHQWLIL FDWLRQ LVVXHG E\ D JRYHUQPHQW DJHQF\ GULYHU V OLFHQVH SDVVSRUW HWF LQ RUGHU WR JDLQ HQWU\ LQWR RXU EXLOGLQJ DQG WKH IRUHFORVXUH VDOH URRP LQ &RRN &RXQW\ DQG WKH VDPH LGHQWLILFDWLRQ IRU VDOHV KHOG DW RWKHU FRXQW\ YHQXHV ZKHUH 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ FRQGXFWV IRUHFOR VXUH VDOHV 0F&DOOD 5D\PHU /HLEHUW 3LHUFH //& 3ODLQWLII V $WWRUQH\V 2QH 1RUWK 'HDUERUQ 6WUHHW 6XLWH &KLFDJR ,/ 7HO 1R

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 0F&DOOD 5D\PHU /HLEHUW 3LHUFH //& 2QH 1RUWK 'HDUERUQ 6WUHHW 6XLWH &KLFDJR ,/

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

FRQGRPLQLXP XQLW WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFORVXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG WKH OHJDO IHHV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J

DQG J

,I WKLV SURSHUW\ LV D FRQ GRPLQLXP XQLW ZKLFK LV SDUW RI D FRPPRQ LQWHUHVW FRPPXQLW\ WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFOR VXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J ,) <28 $5( 7+( 0257*$*25 +20( 2:1(5 <28 +$9( 7+( 5,*+7 72 5(0$,1 ,1 3266(66,21 )25 '$<6 $)7(5 (175< 2) $1 25'(5 2) 3266(66,21 ,1 $&&25'$1&( :,7+ 6(&7,21 & 2) 7+( ,//,12,6 0257*$*( )25(&/2685( /$: <RX ZLOO QHHG D SKRWR LGHQWLIL FDWLRQ LVVXHG E\ D JRYHUQPHQW DJHQF\ GULYHU V OLFHQVH SDVVSRUW HWF LQ RUGHU WR JDLQ HQWU\ LQWR RXU EXLOGLQJ DQG WKH IRUHFORVXUH VDOH URRP LQ &RRN &RXQW\ DQG WKH VDPH LGHQWLILFDWLRQ IRU VDOHV KHOG DW RWKHU FRXQW\ YHQXHV ZKHUH 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ FRQGXFWV IRUHFOR VXUH VDOHV )RU LQIRUPDWLRQ FRQWDFW 3ODLQWLII V DWWRUQH\ -2+1621 %/80%(5* $662&,$7(6 //& : 0RQURH 6WUHHW 6XLWH &KLFDJR ,/

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV -2+1621 %/80%(5* $662&,$7(6 //& : 0RQURH 6WUHHW 6XLWH &KLFDJR ,/

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

DQG J

,I WKLV SURSHUW\ LV D FRQ GRPLQLXP XQLW ZKLFK LV SDUW RI D FRPPRQ LQWHUHVW FRPPXQLW\ WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFOR VXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J ,) <28 $5( 7+( 0257*$*25 +20( 2:1(5 <28 +$9( 7+( 5,*+7 72 5(0$,1 ,1 3266(66,21

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

DQG J

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

CITIZEN | South End | Week of Oct. 31, 2018

&KDWKDP 6(

|

11

5($/ (67$7( 5$33,1 2/6:$1* /7' ( 0DGLVRQ 6WH &+,&$*2 ,/

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

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

DQG J

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

3OHDVH UHIHU WR ILOH QXPEHU ,/ 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/ 6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV

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

DQG J

,Q DFFRUGDQFH ZLWK ,/&6 F

K DQG K ,/&6 J

DQG ,/&6 J \RX DUH KHUHE\ QRWL ILHG WKDW WKH SXUFKDVHU RI WKH SURS HUW\ RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG OHJDO IHHV UHTXLUHG E\ VXEVHFWLRQV J

DQG J

RI VHFWLRQ DQG WKH DVVHVV PHQWV UHTXLUHG E\ VXEVHFWLRQ J

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

)RU ELGGLQJ LQVWUXFWLRQV YLVLW ZZZ $QVHOPR/LQGEHUJ FRP 3OHDVH UHIHU WR ILOH QXPEHU ) 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV $QVHOPR /LQGEHUJ $VVRFLDWHV //& : 'LHKO 5RDG 6XLWH 1$3(59,//( ,/

( 0DLO IRUHFORVXUHQRWLFH#DQVHOPROLQG EHUJ FRP $WWRUQH\ )LOH 1R

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

DQG J

,Q DFFRUGDQFH ZLWK ,/&6 F

K DQG K ,/&6 J

DQG ,/&6 J \RX DUH KHUHE\ QRWL ILHG WKDW WKH SXUFKDVHU RI WKH SURS HUW\ RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG OHJDO IHHV UHTXLUHG E\ VXEVHFWLRQV J

DQG J

RI VHFWLRQ DQG WKH DVVHVV PHQWV UHTXLUHG E\ VXEVHFWLRQ J

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

)RU ELGGLQJ LQVWUXFWLRQV YLVLW ZZZ $QVHOPR/LQGEHUJ FRP 3OHDVH UHIHU WR ILOH QXPEHU ) 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV $QVHOPR /LQGEHUJ $VVRFLDWHV //& : 'LHKO 5RDG 6XLWH 1$3(59,//( ,/

( 0DLO IRUHFORVXUHQRWLFH#DQVHOPROLQG EHUJ FRP $WWRUQH\ )LOH 1R ) $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\

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³$6 ,6´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³1250$ '(6+,(/'6 $1' 021,48( '(6+,(/'6 6+$// %( (17,7/(' 72 $1 237,21 72 385&+$6( 7+( 3523(57< )25 7:2 +81 '5(' 7:(17< 7+286$1' $1' 12 '2//$56

38568$17 72 7+( )2//2:,1* 7(506 $1' &21',7,216 D 7+( 7(506 $1' &21',7,216 2) 7+( &2175$&7 $77$&+(' +(5(72 $6 (;+,%,7 ³$´ $5( ,1&25325$7(' +(5(,1 %< 7+,6 (;35(66 5()(5(1&( E 7+( 237,21 72 385&+$6( 6+$// %( (;(5&,6($%/( %< ),)7((1 '$< :5,77(1 127,&( 72 7+( 68&&(66)8/ 385&+$6(5 $7 7+( )25(&/2 685( 6$/( $)7(5 7+( &2857 &21),506 $33529(6 7+( 6$/( F 7+( 237,21 72 385&+$6( 6+$// 7(50,1$7( 21 7+( '$7( 7+$7 ,6 21( +81 '5(' 7:(17< '$<6 )2/ /2:,1* 7+( '$7( 21 :+,&+ 7+( &2857 (17(56 7+( 25'(5 &21),50,1* $1' $33529,1* 2) 7+( 6$/( G ,) 021,48( '(6+,(/'6 $1' 1250$ '(6+,(/'6 $5( ,1 *22' )$,7+ $77(037,1* 72 6(&85( ),1$1&,1* 72 $&48,5( 7+( 3523(57< $1' 7+(,5 327(17,$/ /(1'(5 5(48,5(6 025( 7,0( 72 ),1$/,=( 7+(,5 /2$1 7+( 237,21 7(50 6+$// %( (;7(1'(' %< 6,;7< '$<6 8321 :5,77(1 127,),&$7,21 H $1< :5,77(1 127,&( )520 021,48( '(6+,(/'6 $1' 1250$ '(6+,(/'6 72 (;(5&,6( 7+( 237,21 6+$// %( 6(17 72 7+( 68&&(66)8/ 385&+$6(5 $7 7+( $''5(66 /,67(' 21 7+( &(57,),&$7( 2) 6$/( 25 $1< 27+(5 $''5(66 63(&,),(' %< 7+( 68&&(66)8/ 385&+$6(5 3/($6( 127( )25 D 7+( (17(5(' -8'*0(17 6+28/' %( 5()(55(' 72 ,1 25'(5 72 9,(: $77$&+(' (;+,%,7 ³$´ 7KH SURSHUW\ ZLOO 127 EH RSHQ IRU LQVSHFWLRQ DQG SODLQWLII PDNHV QR UHSUHVHQWDWLRQ DV WR WKH FRQGLWLRQ RI WKH SURSHUW\ 3URVSHFWLYH ELGGHUV DUH DGPRQLVKHG WR FKHFN WKH FRXUW ILOH WR YHULI\ DOO LQIRUPDWLRQ ,I WKLV

SURSHUW\ LV D FRQGRPLQLXP XQLW WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFOR VXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG WKH OHJDO IHHV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J

DQG J

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¶V DWWRUQH\ 6DPXHO * .RUVKDN %($8/,(8 /$: 2)),&(6 3 & : %HOPRQW $YH &KLFDJR ,/

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 6DPXHO * .RUVKDN %($8/,(8 /$: 2)),&(6 3 & : %HOPRQW $YH &KLFDJR ,/

( 0DLO VNRU VKDN#EHDX OHJDO UQE#EHDX OHJDO $WWRUQH\ )LOH 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII¶V DWWRUQH\ LV GHHPHG WR EH D GHEW FROOHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH BBBBBBBBBBBBBBBBBBBBBBBBBBBB $& ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 )('(5$/ 1$7,21$/ 0257*$*( $662&,$7,21

)$1 1,( 0$(

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

DQG J

,I WKLV SURSHUW\ LV D FRQ GRPLQLXP XQLW ZKLFK LV SDUW RI D FRPPRQ LQWHUHVW FRPPXQLW\ WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFOR VXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW

,/&6 J ,) <28 $5( 7+( 0257*$*25 +20( 2:1(5 <28 +$9( 7+( 5,*+7 72 5(0$,1 ,1 3266(66,21 )25 '$<6 $)7(5 (175< 2) $1 25'(5 2) 3266(66,21 ,1 $&&25'$1&( :,7+ 6(&7,21 & 2) 7+( ,//,12,6 0257*$*( )25(&/2685( /$: <RX ZLOO QHHG D SKRWR LGHQWLIL FDWLRQ LVVXHG E\ D JRYHUQPHQW DJHQF\ GULYHU V OLFHQVH SDVVSRUW HWF LQ RUGHU WR JDLQ HQWU\ LQWR RXU EXLOGLQJ DQG WKH IRUHFORVXUH VDOH URRP LQ &RRN &RXQW\ DQG WKH VDPH LGHQWLILFDWLRQ IRU VDOHV KHOG DW RWKHU FRXQW\ YHQXHV ZKHUH 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ FRQGXFWV IRUHFOR VXUH VDOHV )RU LQIRUPDWLRQ FRQWDFW 3ODLQWLII V DWWRUQH\ -2+1621 %/80%(5* $662&,$7(6 //& : 0RQURH 6WUHHW 6XLWH &KLFDJR ,/

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV -2+1621 %/80%(5* $662&,$7(6 //& : 0RQURH 6WUHHW 6XLWH &KLFDJR ,/

( 0DLO LOSOHDGLQJV#MRKQVRQEOXP EHUJ FRP $WWRUQH\ )LOH 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FROOHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH , BBBBBBBBBBBBBBBBBBBBBBBBBBBB ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 )('(5$/ 1$7,21$/ 0257*$*( $662&,$7,21

)$1 1,( 0$(

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

DQG J

,I WKLV SURSHUW\ LV D FRQ GRPLQLXP XQLW ZKLFK LV SDUW RI D FRPPRQ LQWHUHVW FRPPXQLW\ WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFOR VXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J ,) <28 $5( 7+( 0257*$*25 +20( 2:1(5 <28 +$9( 7+( 5,*+7 72 5(0$,1 ,1 3266(66,21 )25 '$<6 $)7(5 (175< 2) $1 25'(5 2) 3266(66,21 ,1 $&&25'$1&( :,7+ 6(&7,21 & 2) 7+( ,//,12,6 0257*$*( )25(&/2685( /$: <RX ZLOO QHHG D SKRWR LGHQWLIL FDWLRQ LVVXHG E\ D JRYHUQPHQW DJHQF\ GULYHU V OLFHQVH SDVVSRUW HWF LQ RUGHU WR JDLQ HQWU\ LQWR RXU EXLOGLQJ DQG WKH IRUHFORVXUH VDOH URRP LQ &RRN &RXQW\ DQG WKH VDPH

LGHQWLILFDWLRQ IRU VDOHV KHOG DW RWKHU FRXQW\ YHQXHV ZKHUH 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ FRQGXFWV IRUHFOR VXUH VDOHV )RU LQIRUPDWLRQ FRQWDFW 3ODLQWLII V DWWRUQH\ -2+1621 %/80%(5* $662&,$7(6 //& : 0RQURH 6WUHHW 6XLWH &KLFDJR ,/

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV -2+1621 %/80%(5* $662&,$7(6 //& : 0RQURH 6WUHHW 6XLWH &KLFDJR ,/

( 0DLO LOSOHDGLQJV#MRKQVRQEOXP EHUJ FRP $WWRUQH\ )LOH 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FROOHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH , BBBBBBBBBBBBBBBBBBBBBBBBBBBB ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 :(//6 )$5*2 %$1.

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

DQG J

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

)RU LQIRUPDWLRQ FDOO EHWZHHQ WKH KRXUV RI SP SP 3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV

12 | CITIZEN | South End | Week of Oct. 31, 2018

&+$7+$0 6(

5($/ (67$7( 6+$3,52 .5(,60$1 $662&, $7(6 //& :$8.(*$1 5' 68,7( %DQQRFNEXUQ ,/

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

1$7,21$/ $662&,$7,21 $6 75867(( )25 /(+0$1 ;6 75867 0257*$*( 3$66 7+528*+ &(57,),&$7(6 6(5,(6 3ODLQWLII Y 5,7$ ) *$//2:$< 81.12:1 +(,56 $1' 25 /(*$7((6 2) &$5/ $ *$//2:$< '(&($6(' -8/,( ( )2; $6 63(&,$/ 5(35(6(17$ 7,9( )25 &$5/ $ *$//2:$< '(&($6(' 7(55$1&( *$/ /2:$< 7($11$ )256<7+( 81.12:1 2:1(56 $1' 121 5(&25' &/$,0$176 81.12:1 2&&83$176 'HIHQGDQWV

&+

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

DQG J

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

)RU LQIRUPDWLRQ FDOO EHWZHHQ WKH KRXUV RI SP SP 3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH

-XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 6+$3,52 .5(,60$1 $662&,$7(6 //& :$8.(*$1 5' 68,7( %DQQRFNEXUQ ,/

( 0DLO ,/1RWLFHV#ORJV FRP $WWRUQH\ )LOH 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FROOHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH , BBBBBBBBBBBBBBBBBBBBBBBBBBBB ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 :(//6 )$5*2 %$1.

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

DQG J

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

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV &2',/,6 $662&,$7(6 3 & : 1257+ )5217$*( 52$' 68,7( %855 5,'*( ,/

( 0DLO SOHDGLQJV#LO FVOH JDO FRP $WWRUQH\ )LOH 1R $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FRO OHFWRU DWWHPSWLQJ WR FROOHFW D GHEW

DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH , BBBBBBBBBBBBBBBBBBBBBBBBBBBB ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 1$7,2167$5 0257 *$*( //& ' % $ &+$03,21 0257*$*( &203$1< 3ODLQWLII Y .,0%(5/< / -21(6 81,7(' 67$7(6 2) $0(5,&$ '(3$57 0(17 2) +286,1* $1' 85%$1 '(9(/230(17 81.12:1 +(,56 $1' /(*$7((6 2) :$/ 7(5 025*$1 81.12:1 2:1 (56 $1' 1215(&25' &/$,0$176 -2+1 /<'21 $6 63(&,$/ 5(35(6(17$7,9( )25 :$/7(5 025*$1 '(&($6('

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

DQG J

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

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV &2',/,6 $662&,$7(6 3 & : 1257+ )5217$*( 52$' 68,7( %855 5,'*( ,/

( 0DLO SOHDGLQJV#LO FVOH

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

KRXUV 7KH VXEMHFW SURSHUW\ LV VXE MHFW WR JHQHUDO UHDO HVWDWH WD[HV VSHFLDO DVVHVVPHQWV RU VSHFLDO WD[HV OHYLHG DJDLQVW VDLG UHDO HVWDWH DQG LV RIIHUHG IRU VDOH ZLWKRXW DQ\ UHSUHVHQWDWLRQ DV WR TXDOLW\ RU TXDQ WLW\ RI WLWOH DQG ZLWKRXW UHFRXUVH WR 3ODLQWLII DQG LQ $6 ,6 FRQGLWLRQ 7KH VDOH LV IXUWKHU VXEMHFW WR FRQILU PDWLRQ E\ WKH FRXUW 8SRQ SD\PHQW LQ IXOO RI WKH DPRXQW ELG WKH SXU FKDVHU ZLOO UHFHLYH D &HUWLILFDWH RI 6DOH WKDW ZLOO HQWLWOH WKH SXUFKDVHU WR D GHHG WR WKH UHDO HVWDWH DIWHU FRQILU PDWLRQ RI WKH VDOH 7KH SURSHUW\ ZLOO 127 EH RSHQ IRU LQVSHFWLRQ DQG SODLQWLII PDNHV QR UHSUHVHQWDWLRQ DV WR WKH FRQGLWLRQ RI WKH SURSHUW\ 3URVSHFWLYH ELGGHUV DUH DGPRQ LVKHG WR FKHFN WKH FRXUW ILOH WR YHULI\ DOO LQIRUPDWLRQ ,I WKLV SURSHUW\ LV D FRQGRPLQLXP XQLW WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFORVXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG WKH OHJDO IHHV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J

DQG J

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

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/ 6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 0F&DOOD 5D\PHU /HLEHUW 3LHUFH //& 2QH 1RUWK 'HDUERUQ 6WUHHW 6XLWH &KLFDJR ,/

( 0DLO SOHDGLQJV#PFFDOOD FRP $WWRUQH\ )LOH 1R $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& , BBBBBBBBBBBBBBBBBBBBBBBBBBBB ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 &,7,%$1. 1$ $6

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

5HI 1R ,17(5 &2817< -8',&,$/ 6$/(6 &25 325$7,21 6HOOLQJ 2IILFHU

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

DQG J

,I WKLV SURSHUW\ LV D FRQGRPLQLXP XQLW ZKLFK LV SDUW RI D FRPPRQ LQWHUHVW FRPPXQLW\ WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFORVXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVV PHQWV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J ,) <28 $5( 7+( 0257*$*25 +20(2:1 (5 <28 +$9( 7+( 5,*+7 72 5(0$,1 ,1 3266(66,21 )25 '$<6 $)7(5 (175< 2) $1 25'(5 2) 3266(66,21 ,1 $&&25'$1&( :,7+ 6(&7,21 & 2) 7+( ,//,12,6 0257*$*( )25(&/2685( / $ :

<RX ZLOO QHHG D SKRWR LGHQWLILFDWLRQ

LVVXHG E\ D JRYHUQPHQW DJHQF\ GUL YHU V OLFHQVH SDVVSRUW HWF LQ RUGHU WR JDLQ HQWU\ LQWR RXU EXLOGLQJ DQG WKH IRUHFORVXUH VDOH URRP LQ &RRN &RXQW\ DQG WKH VDPH LGHQWLILFDWLRQ IRU VDOHV KHOG DW RWKHU FRXQW\ YHQ XHV ZKHUH 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ FRQGXFWV IRUHFORVXUH VDOHV 0F&DOOD 5D\PHU /HLEHUW 3LHUFH //& 3ODLQWLII V $WWRUQH\V 2QH 1RUWK 'HDUERUQ 6WUHHW 6XLWH &KLFDJR ,/ 7HO 1R

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 0F&DOOD 5D\PHU /HLEHUW 3LHUFH //& 2QH 1RUWK 'HDUERUQ 6WUHHW 6XLWH &KLFDJR ,/

( 0DLO SOHDGLQJV#PFFDOOD FRP $WWRUQH\ )LOH 1R $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& , BBBBBBBBBBBBBBBBBBBBBBBBBBBB ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 '(876&+( %$1.

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

KRXUV 7KH VXEMHFW SURSHUW\ LV VXE MHFW WR JHQHUDO UHDO HVWDWH WD[HV VSHFLDO DVVHVVPHQWV RU VSHFLDO WD[HV OHYLHG DJDLQVW VDLG UHDO HVWDWH DQG LV RIIHUHG IRU VDOH ZLWKRXW DQ\ UHSUHVHQWDWLRQ DV WR TXDOLW\ RU TXDQ WLW\ RI WLWOH DQG ZLWKRXW UHFRXUVH WR 3ODLQWLII DQG LQ $6 ,6 FRQGLWLRQ 7KH VDOH LV IXUWKHU VXEMHFW WR FRQILU PDWLRQ E\ WKH FRXUW 8SRQ SD\PHQW LQ IXOO RI WKH DPRXQW ELG WKH SXU FKDVHU ZLOO UHFHLYH D &HUWLILFDWH RI 6DOH WKDW ZLOO HQWLWOH WKH SXUFKDVHU WR D GHHG WR WKH UHDO HVWDWH DIWHU FRQILU PDWLRQ RI WKH VDOH 7KH SURSHUW\ ZLOO 127 EH RSHQ IRU LQVSHFWLRQ DQG SODLQWLII PDNHV QR UHSUHVHQWDWLRQ DV WR WKH FRQGLWLRQ RI WKH SURSHUW\ 3URVSHFWLYH ELGGHUV DUH DGPRQ LVKHG WR FKHFN WKH FRXUW ILOH WR YHULI\ DOO LQIRUPDWLRQ ,I WKLV SURSHUW\ LV D FRQGRPLQLXP XQLW WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFORVXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG WKH OHJDO IHHV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J

DQG J

,I WKLV SURSHUW\ LV D FRQ GRPLQLXP XQLW ZKLFK LV SDUW RI D FRPPRQ LQWHUHVW FRPPXQLW\ WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFOR VXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J ,) <28 $5( 7+( 0257*$*25 +20( 2:1(5 <28 +$9( 7+( 5,*+7 72 5(0$,1 ,1 3266(66,21 )25 '$<6 $)7(5 (175< 2) $1 25'(5 2) 3266(66,21 ,1 $&&25'$1&( :,7+ 6(&7,21 & 2) 7+( ,//,12,6 0257*$*( )25(&/2685( /$: <RX ZLOO QHHG D SKRWR LGHQWLIL FDWLRQ LVVXHG E\ D JRYHUQPHQW DJHQF\ GULYHU V OLFHQVH SDVVSRUW HWF LQ RUGHU WR JDLQ HQWU\ LQWR RXU EXLOGLQJ DQG WKH IRUHFORVXUH VDOH URRP LQ &RRN &RXQW\ DQG WKH VDPH LGHQWLILFDWLRQ IRU VDOHV KHOG DW RWKHU FRXQW\ YHQXHV ZKHUH 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ FRQGXFWV IRUHFOR VXUH VDOHV )RU LQIRUPDWLRQ FRQWDFW 7KH VDOHV FOHUN 6+$3,52 .5(,6 0$1 $662&,$7(6 //& :$8.(*$1 5' 68,7( %DQQRFNEXUQ ,/

)RU LQIRUPDWLRQ FDOO EHWZHHQ WKH KRXUV RI SP SP 3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21

2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 6+$3,52 .5(,60$1 $662&,$7(6 //& :$8.(*$1 5' 68,7( %DQQRFNEXUQ ,/

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

DQG J

,I WKLV SURSHUW\ LV D FRQ GRPLQLXP XQLW ZKLFK LV SDUW RI D FRPPRQ LQWHUHVW FRPPXQLW\ WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFOR VXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J ,) <28 $5( 7+( 0257*$*25 +20( 2:1(5 <28 +$9( 7+( 5,*+7 72 5(0$,1 ,1 3266(66,21 )25 '$<6 $)7(5 (175< 2) $1 25'(5 2) 3266(66,21 ,1 $&&25'$1&( :,7+ 6(&7,21 & 2) 7+( ,//,12,6 0257*$*( )25(&/2685( /$: <RX ZLOO QHHG D SKRWR LGHQWLIL FDWLRQ LVVXHG E\ D JRYHUQPHQW DJHQF\ GULYHU V OLFHQVH SDVVSRUW HWF LQ RUGHU WR JDLQ HQWU\ LQWR RXU EXLOGLQJ DQG WKH IRUHFORVXUH VDOH URRP LQ &RRN &RXQW\ DQG WKH VDPH LGHQWLILFDWLRQ IRU VDOHV KHOG DW RWKHU FRXQW\ YHQXHV ZKHUH 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ FRQGXFWV IRUHFOR VXUH VDOHV )RU LQIRUPDWLRQ H[DP

&+$7+$0 6(

CITIZEN | South End | Week of Oct. 31, 2018

|

13

5($/ (67$7( LQH WKH FRXUW ILOH RU FRQWDFW 3ODLQWLII V DWWRUQH\ &2',/,6 $662&,$7(6 3 & : 1257+ )5217$*( 52$' 68,7( %855 5,'*( ,/ 3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV &2',/,6 $662&,$7(6 3 & : 1257+ )5217$*( 52$' 68,7( %855 5,'*( ,/

( 0DLO SOHDGLQJV#LO FVOH JDO FRP $WWRUQH\ )LOH 1R $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FRO OHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH , BBBBBBBBBBBBBBBBBBBBBBBBBBBB ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 '(876&+( %$1.

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

DQG J

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

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW

ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV &2',/,6 $662&,$7(6 3 & : 1257+ )5217$*( 52$' 68,7( %855 5,'*( ,/

( 0DLO SOHDGLQJV#LO FVOH JDO FRP $WWRUQH\ )LOH 1R $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FRO OHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH , BBBBBBBBBBBBBBBBBBBBBBBBBBBB 6: ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 :(//6 )$5*2 %$1.

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

DQG J

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

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/ 6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 0F&DOOD 5D\PHU /HLEHUW 3LHUFH //& 2QH 1RUWK 'HDUERUQ 6WUHHW 6XLWH &KLFDJR ,/

( 0DLO SOHDGLQJV#PFFDOOD FRP $WWRUQH\ )LOH 1R $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6&

BBBBBBBBBBBBBBBBBBBBBBBBBBBB ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281

7< '(3$570(17 &+$1&(5< ',9,6,21 +6%& %$1. 86$ 1$7,21$/ $662&,$7,21 $6 75867(( )25 :(//6 )$5*2 +20( (48,7< $66(7 %$&.(' 6(&85,7,(6 75867 +20( (48,7< $66(7 %$&.(' &(57,),&$7(6 6(5,(6 3ODLQWLII Y 0,&+(/( ' 52( $.$ 0,&+(/( 52( //2<' 52( $.$ //2<' - 52( 'HIHQGDQWV &+ 6287+ 7+5223 675((7 &KLFDJR ,/

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

DQG J

,Q DFFRUGDQFH ZLWK ,/&6 F

K DQG K ,/&6 J

DQG ,/&6 J \RX DUH KHUHE\ QRWL ILHG WKDW WKH SXUFKDVHU RI WKH SURS HUW\ RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG OHJDO IHHV UHTXLUHG E\ VXEVHFWLRQV J

DQG J

RI VHFWLRQ DQG WKH DVVHVV PHQWV UHTXLUHG E\ VXEVHFWLRQ J

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

)RU ELGGLQJ LQVWUXFWLRQV YLVLW ZZZ $QVHOPR/LQGEHUJ FRP 3OHDVH UHIHU WR ILOH QXPEHU ) 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV $QVHOPR /LQGEHUJ $VVRFLDWHV //& : 'LHKO 5RDG 6XLWH 1$3(59,//( ,/

( 0DLO IRUHFORVXUHQRWLFH#DQVHOPROLQG EHUJ FRP $WWRUQH\ )LOH 1R ) $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FROOHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH BBBBBBBBBBBBBBBBBBBBBBBBBBBB ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5<

',9,6,21 %$1. 2) $0(5,&$ 1 $ 3ODLQWLII Y .$5<1 - 86+(5 $.$ .$5<1 -($1 86+(5 ).$ .$5<1 -($1 026%(< ,1',9,'8 $//< $6 75867(( 2) 7+( $11 0$5,( 86+(5 75867 '$7(' -8/< $1' $6 ,1'(3(1 '(17 (;(&8725 2) 7+( (67$7( 2) $11 0$5,( 86+(5 +<'( 3$5. &21'20,1,80 $662&,$7,21 0$',621 3$5.

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

DQG J

,Q DFFRUGDQFH ZLWK ,/&6 F

K DQG K ,/&6 J

DQG ,/&6 J \RX DUH KHUHE\ QRWL ILHG WKDW WKH SXUFKDVHU RI WKH SURS HUW\ RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG OHJDO IHHV UHTXLUHG E\ VXEVHFWLRQV J

DQG J

RI VHFWLRQ DQG WKH DVVHVV PHQWV UHTXLUHG E\ VXEVHFWLRQ J

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

)RU ELGGLQJ LQVWUXFWLRQV YLVLW ZZZ $QVHOPR/LQGEHUJ FRP 3OHDVH UHIHU WR ILOH QXPEHU ) 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV $QVHOPR /LQGEHUJ $VVRFLDWHV //& : 'LHKO 5RDG 6XLWH 1$3(59,//( ,/

( 0DLO IRUHFORVXUHQRWLFH#DQVHOPROLQG EHUJ FRP $WWRUQH\ )LOH 1R ) $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FROOHFWRU

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

DQG J

,Q DFFRUGDQFH ZLWK ,/&6 F

K DQG K ,/&6 J

DQG ,/&6 J \RX DUH KHUHE\ QRWL ILHG WKDW WKH SXUFKDVHU RI WKH SURS HUW\ RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG OHJDO IHHV UHTXLUHG E\ VXEVHFWLRQV J

DQG J

RI VHFWLRQ DQG WKH DVVHVV PHQWV UHTXLUHG E\ VXEVHFWLRQ J

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

)RU ELGGLQJ LQVWUXFWLRQV YLVLW ZZZ $QVHOPR/LQGEHUJ FRP 3OHDVH UHIHU WR ILOH QXPEHU ) 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV $QVHOPR /LQGEHUJ $VVRFLDWHV //& : 'LHKO 5RDG 6XLWH 1$3(59,//( ,/

( 0DLO IRUHFORVXUHQRWLFH#DQVHOPROLQG EHUJ FRP $WWRUQH\ )LOH 1R ) $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FROOHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH BBBBBBBBBBBBBBBBBBBBBBBBBBBB

,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 7%, 85%$1 +2/',1*6 //& 3ODLQWLII Y )$+' $5$)$7 &,7< 2) &+,&$*2 *(25*( 6,0,& 6 9(5121 66& //& %$1. 81,7(' $6 75867(( 81.12:1 2:1(56 $1' 1215(&25' &/$,0$176 'HIHQGDQWV &+ 6 9(5121 $9(18( &KLFDJR ,/ 127,&( 2) 6$/( )25 5(&(,9(5¶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³$6 ,6´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

DQG J

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¶V DWWRUQH\ +$86(/0$1 5$33,1 2/6:$1* /7' ( 0DGLVRQ 6WH &+,&$*2 ,/

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV +$86(/ 0$1 5$33,1 2/6:$1* /7' ( 0DGLVRQ 6WH &+,&$*2 ,/ ( 0DLO OURGULJXH]#KURODZ FRP $WWRUQH\ )LOH 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII¶V DWWRUQH\ LV GHHPHG WR EH D GHEW FROOHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH BBBBBBBBBBBBBBBBBBBBBBBBBBBB $& ,1 7+( &,5&8,7 &2857 2) &22. &2817< ,//,12,6 &281 7< '(3$570(17 &+$1&(5< ',9,6,21 &52:1 0257*$*( &203$1< 3ODLQWLII Y ,'(//$ % %(// 7$ 6+,5$ ' 02275,( 'HIHQGDQWV &+ 6 0,&+,*$1 $9( &+,&$*2 ,/ 127,&( 2) 6$/( 38%/,& 127,&( ,6 +(5(%< *,9(1 WKDW SXUVXDQW WR D -XGJPHQW RI

)RUHFORVXUH DQG 6DOH HQWHUHG LQ WKH DERYH FDXVH RQ 6HSWHPEHU DQ DJHQW IRU 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ ZLOO DW $0 RQ 'HFHPEHU DW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ 2QH 6RXWK :DFNHU 'ULYH &+,&$*2 ,/ VHOO DW SXEOLF DXFWLRQ WR WKH KLJKHVW ELGGHU DV VHW IRUWK EHORZ WKH IROORZLQJ GHVFULEHG UHDO HVWDWH &RPPRQO\ NQRZQ DV 6 0,&+,*$1 $9( &+,&$*2 ,/ 3URSHUW\ ,QGH[ 1R 7KH UHDO HVWDWH LV LPSURYHG ZLWK D UHVLGHQFH 6DOH WHUPV GRZQ RI WKH KLJKHVW ELG E\ FHUWLILHG IXQGV DW WKH FORVH RI WKH VDOH SD\DEOH WR 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ 1R WKLUG SDUW\ FKHFNV ZLOO EH DFFHSWHG 7KH EDODQFH LQ FHU WLILHG IXQGV RU ZLUH WUDQVIHU LV GXH ZLWKLQ WZHQW\ IRXU KRXUV 7KH VXEMHFW SURSHUW\ LV VXEMHFW WR JHQHU DO UHDO HVWDWH WD[HV VSHFLDO DVVHVV PHQWV RU VSHFLDO WD[HV OHYLHG DJDLQVW VDLG UHDO HVWDWH DQG LV RIIHUHG IRU VDOH ZLWKRXW DQ\ UHSUH VHQWDWLRQ DV WR TXDOLW\ RU TXDQWLW\ RI WLWOH DQG ZLWKRXW UHFRXUVH WR 3ODLQWLII DQG LQ $6 ,6 FRQGLWLRQ 7KH VDOH LV IXUWKHU VXEMHFW WR FRQILUPDWLRQ E\ WKH FRXUW 8SRQ SD\PHQW LQ IXOO RI WKH DPRXQW ELG WKH SXUFKDVHU ZLOO UHFHLYH D &HUWLILFDWH RI 6DOH WKDW ZLOO HQWLWOH WKH SXUFKDVHU WR D GHHG WR WKH UHDO HVWDWH DIWHU FRQILUPDWLRQ RI WKH VDOH 7KH SURSHUW\ ZLOO 127 EH RSHQ IRU LQVSHFWLRQ DQG SODLQWLII PDNHV QR UHSUHVHQWDWLRQ DV WR WKH FRQGLWLRQ RI WKH SURSHUW\ 3URVSHFWLYH ELGGHUV DUH DGPRQ LVKHG WR FKHFN WKH FRXUW ILOH WR YHULI\ DOO LQIRUPDWLRQ ,I WKLV SURSHUW\ LV D FRQGRPLQLXP XQLW WKH SXUFKDVHU RI WKH XQLW DW WKH IRUHFORVXUH VDOH RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG WKH OHJDO IHHV UHTXLUHG E\ 7KH &RQGRPLQLXP 3URSHUW\ $FW ,/&6 J

DQG J

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

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV &2',/,6 $662&,$7(6 3 & : 1257+ )5217$*( 52$' 68,7( %855 5,'*( ,/

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

14 | CITIZEN | South End | Week of Oct. 31, 2018

&+$7+$0 6(

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

DQG J

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

3OHDVH UHIHU WR ILOH QXPEHU 7+( -8',&,$/ 6$/(6 &25325$ 7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV 327(67, 92 $662&,$7(6 3 & :(67 -$&.621 %/9' 67( &KLFDJR ,/

(

0 D L O

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

DQG J

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

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV &2',/,6 $662&,$7(6 3 & : 1257+ )5217$*( 52$' 68,7( %855 5,'*( ,/

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

&RQGRPLQLXP 3URSHUW\ $FW ,/&6 J

DQG J

,Q DFFRUGDQFH ZLWK ,/&6 F

K DQG K ,/&6 J

DQG ,/&6 J \RX DUH KHUHE\ QRWL ILHG WKDW WKH SXUFKDVHU RI WKH SURS HUW\ RWKHU WKDQ D PRUWJDJHH VKDOO SD\ WKH DVVHVVPHQWV DQG OHJDO IHHV UHTXLUHG E\ VXEVHFWLRQV J

DQG J

RI VHFWLRQ DQG WKH DVVHVV PHQWV UHTXLUHG E\ VXEVHFWLRQ J

RI VHFWLRQ RI WKH ,OOLQRLV &RQGRPLQLXP 3URSHUW\ $FW ,) <28 $5( 7+( 0257*$*25 +20( 2:1(5 <28 +$9( 7+( 5,*+7

72 5(0$,1 ,1 3266(66,21 )25 '$<6 $)7(5 (175< 2) $1 25'(5 2) 3266(66,21 ,1 $&&25'$1&( :,7+ 6(&7,21 & 2) 7+( ,//,12,6 0257*$*( )25(&/2685( /$: <RX ZLOO QHHG D SKRWR LGHQWLIL FDWLRQ LVVXHG E\ D JRYHUQPHQW DJHQF\ GULYHU V OLFHQVH SDVVSRUW HWF LQ RUGHU WR JDLQ HQWU\ LQWR RXU EXLOGLQJ DQG WKH IRUHFORVXUH VDOH URRP LQ &RRN &RXQW\ DQG WKH VDPH LGHQWLILFDWLRQ IRU VDOHV KHOG DW RWKHU FRXQW\ YHQXHV ZKHUH 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ FRQGXFWV IRUHFOR VXUH VDOHV )RU LQIRUPDWLRQ FRQWDFW

WKH VDOHV GHSDUWPHQW $QVHOPR /LQGEHUJ $VVRFLDWHV //& : 'LHKO 5RDG 6XLWH 1$3(59,//( ,/

)RU ELGGLQJ LQVWUXFWLRQV YLVLW ZZZ $QVHOPR/LQGEHUJ FRP 3OHDVH UHIHU WR ILOH QXPEHU ) 7+( -8',&,$/ 6$/(6 &25325$7,21 2QH 6RXWK :DFNHU 'ULYH WK )ORRU &KLFDJR ,/

6$/( <RX FDQ DOVR YLVLW 7KH -XGLFLDO 6DOHV &RUSRUDWLRQ DW ZZZ WMVF FRP IRU D GD\ VWDWXV UHSRUW RI SHQGLQJ VDOHV $QVHOPR /LQGEHUJ $VVRFLDWHV //& : 'LHKO 5RDG 6XLWH

1$3(59,//( ,/

( 0DLO IRUHFORVXUHQRWLFH#DQVHOPROLQG EHUJ FRP $WWRUQH\ )LOH 1R ) $WWRUQH\ $5'& 1R $WWRUQH\ &RGH &DVH 1XPEHU &+ 7-6& 127( 3XUVXDQW WR WKH )DLU 'HEW &ROOHFWLRQ 3UDFWLFHV $FW \RX DUH DGYLVHG WKDW 3ODLQWLII V DWWRUQH\ LV GHHPHG WR EH D GHEW FRO OHFWRU DWWHPSWLQJ WR FROOHFW D GHEW DQG DQ\ LQIRUPDWLRQ REWDLQHG ZLOO EH XVHG IRU WKDW SXUSRVH BBBBBBBBBBBBBBBBBBBBBBBBBBBB

CITIZEN | South End | Week of Oct. 31, 2018

|

15

CLASSIFIEDS SERVICE

MISCELLANEOUS MOVING / GARAGE SALE November 2-3, 2018 12-5 pm 14204 S. State St. Riverdale, IL Items for men, women, children and home __________________________________ MISCELLANEOUS SAWMILLS from only $4397.00- MAKE & SAVE MONEY with your own bandmill- Cut lumber any dimension. In stock ready to ship!

FREE Info/DVD: www.NorwoodSawmills.com 800 567-0404 Ext.300N __________________________________ TRAINING/EDUCATION AIRLINE CAREERS FOR NEW YEAR BECOME AN AVIATION MAINTENANCE TECH. FAA APPROVED TRAINING. FINANCIAL AID IF QUALIFIED - JOB PLACEMENT ASSISTANCE. CALL AIM 800-481-8312. __________________________________ WANTED TO BUY FREON R12 WANTED: CERTIFIED BUYER will PAY CA$H for R12 cylinders or cases of cans. (312) 291-9169; www.refrigerantfinders.com __________________________________ LEGAL SERVICES NEED LEGAL HELP? Get a FREE referral to an attorney! Call the Illinois State Bar Association Illinois Lawyer Finder The advice you need 877-270-3855 or h t t ps : / / w w w. i s b a . o r g / p u b l i c / i l l i n o i s lawyerfinder __________________________________

SERVICE

PUBLIC NOTICE The annual return of The Love and Unity Prayer Circle Church is available, at the address noted below, for inspection during normal business hours, by any citizen who so requests within 180 days after publication of this notice of its availability. The Love and Unity Prayer Circle 1153 E. 82nd Street Chicago, Il 60619-4513537. The principal manager is Cynthia A Cohen, Pastor Telephone (773) 993-9796. __________________________________

CAREERS 5 Ways to Blow Your Next Job Interview (StatePoint) The unemployment rate in the U.S. is at an all-time low, according to Bureau of Labor Statistics, and many employers are struggling to find skilled workers. To overcome the challenge, companies are connecting with job candidates using emerging technologies, like video interviewing.

Video interviewing can be daunting, and it’s easy to make crucial mistakes that will ensure you don’t get that next job -- but it doesn’t have to be!

To prepare, keep in mind these five “don’ts,” from the experts at Randstad US, one of the largest HR services and staffing

companies in the country.

1. Don’t forget to wear a shirt. Rather than sitting across from the person conducting your interview, you can sit in whatever quiet place you choose.

However, it’s still important to dress the part. Your appearance should be similar to how you would look for an in-person interview.

“Under no circumstances should you complete a video interview in a t-shirt -- or worse, without a shirt at all. Yes, we have actually seen this,” says Greg Dyer, president of Randstad Commercial Staffing.

2. Don’t choose the wrong location.

Coffee shops can be a great place to catch up on work, but they’re not so great for video interviews due to background noise and other distractions. Opt for a quieter location, like your own home. If you live somewhere close to construction or noisy sirens, look into reserving a room at your local library. And, if all else fails, consider investing in a noise-cancelling headset.

Don’t let a jackhammer upstage you!

3. Don’t forget to tidy up. Before you settle into your interview, take stock of what’s going on behind you. It may be time to take down that psychedelic band poster or toss those empty soda cans sitting around. You should be the star of your interview -- not your clutter.

4. Don’t pick your nose. Don’t do anything during your video interview that you

wouldn’t do during an in-person interview.

This means picking your nose, responding to text messages, and yes, going to the restroom. Approach your video interview with the same level of professionalism that you’d approach an in-person interview. And if you live in a busy household, don’t forget to lock the door. You don’t want your family members barging in mid-interview.

5. Don’t let your battery die. You really only need two things to successfully complete a video interview: a phone or computer with a camera and a reliable internet connection. Avoid sabotaging yourself, and make sure your device is fully charged and your internet is running without disruption prior to the start of your interview.

“The growing use of video interviews is a no-brainer in today’s always-connected world,” says Dyer. “Once you get past the learning curve, it’s a win-win for both job seekers and employers. Video interviewing is convenient and, best of all, fast. Most video interviewing technologies work on smartphones, which makes an interview on your 30-minute break much more feasible.”

For more tips and tricks to help you land your dream job, visit randstadusa.com.

Job searching? Be prepared for the possibility of a video interview and get a leg up by learning to avoid the most common mistakes.

removal to those away from home on military orders.

More information about career transition services and the type of workplace benefits offered to veterans are available at wellsfargojobs.com/military.

Remember, military skills and experience is an asset to employers. Hold out for a position that will value what you bring to the table through tangible workplace benefits and programming.

Darrell Garth

President /Publisher

Janice Garth Sales Manager General Manager

William Garth Sr. CEO Emeritus

Editorial

PHOTO SOURCE: (c) Valèry Kloubert __________________________________

Send news tips, press releases, calendar listing etc to: editorial@thechicagocitizen.com

Are You a Job-Seeking Veteran? What to Know

Display Advertising advertising@thechicagocitizen.com or jgarth@thechicagocitizen.com

(StatePoint) With the veteran unemployment rate at a record low, many who have served in the military are now in the driver’s seat when it comes to civilian job hunting. This is in part b e c a u s e employers understand that veterans bring a wealth of translatable skills and experience to the workforce, including leadership, teamwork and attention to detail.

“For veterans, the right employer is one who values the leadership, discipline and service record of military members and veterans,” says Jerry Quinn, Wells Fargo Military Affairs Program manager. “They seek an employer that goes above and beyond to empower them to succeed in and out of the workplace.”

Wells Fargo, which established its Military Affairs Program in 2012, is an example of an employer committed to hiring and retaining veteran team members. A variety of job options, confidential resources, educational information and career guidance tools are available to those who served. In fact, eligible team members called to active duty receive military leave benefits and other programming designed to mitigate the burden on their families.

Are you a job-seeking veteran? Before accepting an offer, find out whether your potential employer values veterans’ contributions to the workplace.

“Start by asking the hiring manager or human resources contact what benefits and programming are offered,” suggests Quinn. “You’ll quickly get a feel for the company culture.”

To help get the conversation started, Quinn suggests the following topics of discussion: • Growth opportunities. Is this position one on track for promotions and raises?

Does this company offer resources and support to employees looking to grow?

Discover what your future at this company could look like.

• Development programs. From apprenticeships and internships to transition services and leadership programming, ask about opportunities that will offer a chance to make new contacts, find a mentor, develop professional skills and learn how to translate existing skills to a new position.

• Employee resource groups (ERGs).

ERGs can provide resources, opportunities and camaraderie to employees. Find out if the company has a similar group for veterans.

• Diversity. Is this a company that values diversity, particularly when it comes to veteran status and disabilities? Will the employer accept your veteran status and value it as an asset?

• Benefits. Beyond military leave, are benefits available that provide supplemental pay and continued healthcare when individuals are called to active duty? Research whether the company offers additional fringe benefits to ease the burden of being away on active duty. For example, some employers provide lawn mowing and snow

Advertising

Classified Advertising (773) 783-1251

Display Advertising call us at (773) 783-1251

Coverage Areas: CHATHAM-SOUTHEAST

Chatham, Avalon Park, Park Manor, Greater Grand Crossing, Burnside, Chesterfield, West Chersterfield, South Shore,and Calumet Heitghts.

SOUTH END

Washington Heights, Roseland, Rosemoor, Englewood, West Englewood, Auburn-Gresham, Morgan Park, Maple Park, Mt. Vernon, Fernwood, Bellevue, Beverly, Pullman, West Pullman, West Pullman, Riverdale, Jeffrey Manor and Hegewisch.

SOUTH SUBURBAN Serves communities in Harvey, Markham, Phoenix, Robbins, Dixmoor, Calumet Park, Blue Island, South Holland, and Dolton. Shopping- their favorite pastime!

HYDE PARK

Lake Meadows, Oakland, Prairie Shores, Douglas, Grand Boulevard, Kenwood, Woodland, South Shore and Hyde Park.

CHICAGO WEEKEND

Chicago Westside Communities, Austin and Garfield Park

SUBURBAN TIMES WEEKLY Bloom Township, Chicago Heights, Flossmoor, Food Heights, Glenwood, Homewood, Lansing ,Lynwood, Olympia Fileds, Park Forest, Sauk Village, South Chicago and Steger

CNGI Publishers of the Chatham-Southeast, South End, Chicago Weekend, South Suburban and Hyde Park Citizen, published weekly on Wednesday’s (publishing 52 issues annually).

Written permission is required to reproduce contents in whole or in part from the publisher. CNGI does not assume the responsibility for nor are we able to return unsolicited materials, therefore they become property of the newspaper and can or will be discarded or used at the newspapers disgratation. Deadlines for advertising is every Monday at noon. Deadlines for press releases are Fridays at 10 am prior to the next week’s edition. Please send press releases for calendar items at least three weeks prior to the event.

Send to: editorial@thechicagocitizen.com. For more information on subscriptions or advertising, call us at (773) 783-1251 or fax (872) 208-8793. Our offices are located at 8741 South Greenwood Suite# 107, Chicago, Illinois 60619.

16 | CITIZEN | South End | Week of Oct. 31, 2018

*To be eligible for the down payment assistance of 3% of the homeâ&#x20AC;&#x2122;s purchase price, up to $3,600, the property must be in one of the following eligible states: MI, IN, IL, KY, TN, OH, WV, NC, GA, FL and either located in a low Income Census Tract or borrower must meet the low income limit threshold based on the qualifying income per FFIEC website. Down payment assistance may be taxable as income and reported to the IRS. Consult your tax advisor. Not available with all loan products.

Loans subject to credit review and approval. Prices and programs subject to change without notice. Fifth Third Mortgage Company, 5001 Kingsley Drive, Cincinnati, Ohio 45227, 1-877-841-7511, an Illinois Residential Mortgage Licensee. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and by the N.J. Department of Banking and Insurances. Fifth Third Mortgage Company d/b/a Fifth Third Mortgage Company Incorporated and licensed by the New Hampshire Banking Department. Fifth Third Mortgage is the trade name used by Fifth Third Mortgage Company (NMLS #134100) and Fifth Third Mortgage-MI, LLC (NMLS #447141). Fifth Third Bank, Member FDIC. Equal Housing Lender.