Page 1

6

,Q6W\OH

XP

P

HU

H

GL

WL

)HPDOH 6WXGHQW 0DJD]LQH IRUWKH1RUWK:HVW 0D\…

RQ

6PDUWVKRSSLQJ .H\ORRNVIRUXQGHU…

-DPLH1RUWKRUS 0\\HDULQ2IÀFH

&DPSXV6W\OH

7KHJLUOVRI&KHVWHUVKRZXVKRZ WRORRNJRRGDURXQG8QL

([FOXVLYH,QWHUYLHZ ZLWK0DWWKHZ)RUG *HW\RXU%LNLQL%RG\ ZLWKRXU3HUVRQDO7UDLQHU


7RSVKRS


&RQWHQWV

+HOOR :HOFRPHWRWKHÀUVW HGLWLRQWR,Q6W\OH VWXGHQWPDJD]LQH 7KHPDJD]LQHDLPV WRJLYHVWXGHQWV IDVKLRQEHDXW\DQG ÀQDQFLDODGYLFHDQG WLSVWKDWGRQ·WEUHDN WKHEDQNDVZHOODV LQWHUYLHZVZLWKVRPH RIWKHPRVWSUHFLRXV PHPEHUVRIWKH VWXGHQWFRPPXQLW\ :HFRYHUWKHZKROH RIWKHQRUWKZHVWDQG IRUWKLVHGLWLRQZH

DUHWDFNOLQJKRZWR ORRNJRRGIRUOHVV ZLWKORWVRIVXPPHU ORRNVIRUXQGHU… :LWKWKHHOHFWLRQVDW RXUGRRUVWHS&KHVWHU·V 6WXGHQW3UHVLGHQW FRPHVLQIRUDFKDW DERXWKLV\HDULQ 2IÀFHDQG/LYHUSRRO·V QHZIDVKLRQGHVLJQHU 0DWWKHZ)RUGWHOOVXV DERXWWKHLQVSLUDWLRQV DQGKLVGD\VRIEHLQJ DVWXGHQW:HDOVR KDYHWKHVROXWLRQV WRVRPHRI\RXU ELJJHVWÀQDQFLDOIDX[ SDUV$QGDVLIWKDW ZDVQ·WHQRXJKZH·YH DQVZHUHGWKHDJHROG TXHVWLRQZKDWGRHV KHWKLQNVORRNVJRRG RQ\RX"",JXHVVZH JRWLWSUHWW\PXFK ZUDSSHGXS (QMR\

Sinead xx

)DVKLRQ 7KLVZHHNZH QHHG .H\VXPPHUORRNV 6PDUW%X\ 6KRSSLQJ &DPSXV6W\OH

%HDXW\

*HWWKDW%LNLQL ERG\\RXZDQW 7KH7HVW)DFWRU

([FOXVLYHV

 /LYHUSRRO·V )LQHVW0DWWKHZ)RUG -DPLH 1RUWKRUSP\\HDULQ RIÀFH )LQDQFLDOWLSVDQG DGYLFH




7KLV0RQWK:H1HHG

%XQQ\(DUV…

6XQVHW6HTXLQ…

3DUURWVWUDSEDJ…

%ORFNFRORXUEDJ…

3OD\VXLW…


$6265HWUR

6DQGDO…

&RORXUVKRUWV…

3DUURW)ULOO…

6XQJODVVHV…


.H\/RRNV 7RSÂ…$626

+DWÂ… 7RSVKRS

%DJÂ… $FFHVVRULVH 3OD\VXLWHÂ… 7RSVKRS 'HQLPMDFNHWÂ… 7RSVKRS 6DQGDOVÂ… 3OD\VXLWÂ… 'HQLP-DFNHWÂ… 7RSKRS

'UHVVÂ… 1HZORRN

'UHVVÂ…$626 S

'UHVVÂ…5LYHU ,VODQG 6KRHVÂ…3ULPDUN


)RU6XPPHU

&RUNKHHOÂ… $626

7URXVHUVÂ… 3ULPDUN

'UHVVÂ…0LVV 6HOLIUGJH 6FDUIÂ…7RSVKRS

%DJÂ…$626

'UHVVÂ…1HZORRN 'HQLPMDFNHWÂ… 7RSVKRS 7RSÂ…$626 S


6PDUW6KRSSLQJ $VZHDUHDOO VWXGHQWVZHNQRZ KRZKDUGLWFDQEH WRORRNJRRGIRU OHVVDFWXDOO\LW·V QRW&KHFNRXWWKH EDUJDLQEX\VRQWKH KLJKVWUHHWZH·YH IRXQGIRU\RXDQG DOOXQGHU…*XHVV LW·VWLPHWRVSHQG VRPHRIWKDWKDUG HDUQHGVWXGHWQORDQ

'UHVVÂ…0LVV6HOIULGJH

'UHVVÂ…0LVV6HOIULGJH

%RRWVÂ…3ULPDUN

%DJÂ…ULYHU,VODQG

S

%DJÂ…1HZORRN


&DPSXV6W\OH 7KH 8QLYHUVLW\ RI&KHVWHU *LUOVVKRZ XVKRZLW·V GRQH $QQLH'UDPD6WXGHQW 2QKHUZD\WRWKHVWXGHQW 8QLRQDQQLHPL[HVD OXPHUMDFNWRSZLWKEODFN OHJJLQJVDQGVDQGOHV6KH EUHDNVXSWKHEODFNZLWKD EURZQEDJDQGDORQJJROG QHFNOHVV´,FKRVHWKLVORRN WRQLJKWEHFXDVHLW·VVW\OLVK EXWFDXVDO,RQO\JRLQJIRUD IHZGULQNVVR,GLGQWZDQWWR RYHUGRLWµ

+ROO\'DQFH6WXGHQW 2QKHUZD\WRWKHVWXGHQW XQLRQIRUDGULQNVZLWKIULHQGV 6KHZHDUVÁRUDOKRWSDQWVZLWK DSDOHSLQNYHVWDQGDORQJ ÀWWHGFDUGLJLDQ´,ORYHP\ ÁRUDOKRWSDQWV,RQO\ERXJKW WKHPWRGD\WRZHDUWRQLJKW ,·YHKDGDORQJGD\DWXQLVR ,·PUHDG\IRUDGULQNWRQLJKW DQGZKRNQRZPDE\HJRLQJ LQWRWRZQDIWHUZDUGVµ

7DUD-RXUQDOLVP6WXGHQW &RPLQJRXWRIWKHVWXGHQWXQLRQ7DUDVSRUWVD0XOEHUU\EDJ ZLWK(YLOV-HVXVWRSPDWFKHZLWKVWXGGHGOHJJLQJV´,ORYH P\EDJLWVVRDFFHVVLEOH,FDQZHDULWZLWKHYHU\WKLQJ

S


/LYHUSRRO·V)LQHVW 6

PDUWVW\OLVKDQGZLWK DNHHQLQWHUHVWLQDUWLVWKH WKUHHZD\VLQZKLFKPDWW DWWULEXWHVKLVVXFFHVV,QD EXVWOLQJVWXGLRLQZKDWFDQ RQO\EHGHVFULEHGDVD¶UXVWLF· SDUWRI/LYHUSRRO0DWWKHZ )RUGLVUXQQLQJXSDQGGRZQ H[FLWDEOHZDQWLQJWRVKRZPH DOORIKLVODWHVWFUHDWLRQV %RUQLQWKHKHDUWRI/LYHUSRRO 0DWWKHZKDVVSHQWPRVWRIKLV OLIHVNHWFKLQJSKRWRJUDSKLQJ DQGGHVLJQLQJSLHFHVWREXLOG XSDSKHQRPHQDOSRUWIROLR DQGDOOMXVWDWWKHDJHRI *UDGXDWLQJIURP/LYHUSRRO·V -RKQ0RRUH8QLYHUVLW\ZLWK DVWGHJUHHLQ$UWKHWHOOV PHKRZKLVVXFFHVVDOOVWDUWHG IURPDEORJRQWKH8QLYHUVLW\·V KRPHSDJH ´,DOZD\VKDGDNHHQLQWHUHVWLQ IDVKLRQDQGXVHGWRGUHVVP\ VLVWHUXSZKHQ,ZDV\RXQJHU ZKLFKEHOLHYHPHFDXJKWWKH XQZDQWHGDWWHQWLRQRIERWK P\SDUHQWVDQGQHLJKERXUV ,GLGQ·WFDUHWKRXJK,MXVW NQHZWKDW,ORYHGDUWDQG DUWLVWSKRWRJUDSK\DQGWKHUH LVVRPHWKLQJTXLWHEHDXWLIXO DERXWFUHDWLQJIDVKLRQGHLJQV DQGFDSWXULQJWKHPLQD SKRWRJUDSKDQGUHDOO\WKDW·V ZKDWLQVSLUHGPHWRVWDUWXS P\EORJ$WÀUVW,ZDVQ·WVXUH LIDQ\RQHZRXOGEHLQWHUHVWHG LQZKDW,KDGWRVD\EXWWKHQ WKHLQWHUHVWJUHZLQWRDEX]] 6WXGHQWVZHUHFRPLQJIRUZDUG DVNLQJPHWRZULWHPRUHDQG RIIHULQJWRPRGHOIRUPH2QFH DJUDGXDWHG,GHYHORSHGP\ S

EORJVWDUWHGXSWKLVVWXGLRDQG VWDUWHGWRVHOORIIP\SLHFHVµ 6RZKDWH[DFWO\GRHVKLV EORJLQFOXGH"$SDUWIURP 0DWWKHZ·VSKRWRJUDSK\WKH YHU\EHVWLQ/LYHUSRROIDVKLRQ VW\OHH[FOXVLYHÀUVWORRNV DWWKHGHVLJQHUFROOHFWLRQV SUHYLHZVRIIRUWKFRPLQJ PDJD]LQHVKRRWVKLVWDNH RQVWUHHWVW\OH LQFOXGLQJ /LYHUSRRO·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´,·OOKDYHWRDGPLW WKHUHZHUHRQHRUWZRIDVKLRQ DWURFLWLHVSUHVHQWLWZDVPRUH OLNHDIDQF\GUHVVSDUW\WKDQD IDVKLRQDEOHGD\RXW,UHDOLVHG WKHDJHROGVD\LQJZDVWUXH ²OHVVLVGHÀQLWHO\PRUH1RW DOOEDGWKRXJKWKHUHZHUHD IHZWULXPSKVRIVW\OHµ,ZLOO OHW\RXGHFLGH VHHERWWRP

´,XVHGWRGUHVV P\VLVWHUXSZKHQ, ZDV\RXQJHUZKLFK EHOLHYHPHFDXJKW WKHXQZDQWHG DWWHQWLRQRIERWK P\SDUHQWVDQG QHLJKERXUV,GLGQ·W

FDUHWKRXJKµ ULJKW $VKRRWRIQDPHG3URP 4XHHQGHÃ&#x20AC;LQDWHO\FDXJKWP\ H\HDVDOZD\V,DVNHGLI, FRXOGKDYHDIUHHELHIURPWKLV VKRRW8QLYHUVLW\VXPPHU EDOODVFHQGLQJQRVXFKOXFN XQIRUWXQDWHO\EXWDOZD\V ZRUWKDWU\ $VWKHLQWHUYLHZZUDSVXS, DVN0DWWIRUDQ\DGYLFHWRRXU EXGGLQJIDVKLRQRUDUWLVWLF VWXGHQWV´'RQ·WJLYHXS,·YH EHHQDVNLQWVWXGHQWHDWLQJ EHDQVRQWRDVWWU\LQJWRJHWP\ VWXIIRXWWKHUH<RXGRQ·WQHHG KDYHWRKDYHORDGVRIPRQH\ WRORRNJRRG0RQH\GRHVQ·W HTXDOVW\OH.HHSGUDZLQJ NHHSVKRRWLQJDQGPRVWRIDOO NHHSJRLQJµ 7RVHHPRUHRI0DWWKHZ·V FUHDWLRQVDQGEORJVORJRQWR ZZZÃ&#x20AC;UHFUDFNHUIDVKLRQ EORJVSRWFRP


0DWWKHZ)RUG

$VHOFHWLRQRI0DWWKHZ路VFUHDWLRQV FRXUWVH\RI0DWWKHZ)RUG'HVLJQV S


-DPLH1RUWKRUS 0\\HDULQ2IÃ&#x20AC;FH

E\6LQHDG3DWRQ

,WZDV$SULO,UHPHPEHU

TXHXLQJRXWVLGHWKH6WXGHQW 8QLRQEXLOGLQJWRSXWP\ YRWHLQIRUZKR,ZDQWHGWR HOHFWWRKROG3UHVLGHQF\DW WKH8QLYHUVLW\DQGWRDFWDV WKHYRLFHRIWKHVWXGHQWERG\ 2IFRXUVH,YRWHGIRU-DPLH 1RUWKURSZKRZDVHOHFWHGDQG DVKLV\HDULQRIÃ&#x20AC;FHKDVÃ&#x20AC;QDOO\ FRPHWRDHQG,VLWGRZQZLWK WKHSUHVLGHQWWRÃ&#x20AC;QGRXWWKH KLJKVDQGORZVRIKLV\HDUDQG JHWWRWKHERWWRPRIZKDWKH KDVFKDQJHGIRUXV 6R-DPLHFRXOG\RXWHOOKRZ PHKRZ\RXKDYHIRXQG\RXU \HDULQRIÃ&#x20AC;FH" ,KDYHORYHGHYHU\PRPHQWRI LWGHÃ&#x20AC;QDWHO\WKHEHVW\HDURI P\OLIHVRIDU,·YHPHWVRPDQ\ GLIIHUHQWSHRSOHDQGVKDUHGVR PDQ\GLIIHUHQWH[SHULHQFHV HVSLFDOO\EHLQJDVWXGHQWIRU IRXU\HDUVDW&KHVWHUSUHYLRXVO\ LW·VUHDOO\JRRGWRJHWEHKLQG WKHVFHQHVDQGVHHKRZLWDOO ZRUNV :KDWZRXOG\RXVD\KDYH EHHQ\RXUKLJKOLJKWV" 2QHRIP\PDLQKLJOLJKWV ZDVRUJDQLVLQJHYHQWVOLNHWKH 6SRUWSUHVHQWDWLRQLQZKLFK S

WKH'DQFHVRFLHW\,VHWXS ¶3XVKLW·ZRQEHVWQHZFRPHU :KLFKPHDQWWKHVRFLHW\JRW H[WUDIXQGVVRZHVWD\HGLQD SOXVKKRWHOLQ'XUKDPZKLOVW RQDGDQFHFRPSHWLWLRQ,·YH DOVRORYHGFDPSDLQLQJIRU VWXGHQWVULJKWVDQGUDLVLQJ PRQH\IRUFKDULWLHV,KDYH DOVREHHQDEOHWRJHWPRUH IXQGLQJIRUVSRUWVIDFLOLWLHV ZKLFK,DOZD\VZDQWHGDWXQL :KDWZRXOG\RXVD\KDV EHHQWKHPRVWGLIÃ&#x20AC;FXOWWKLQJ \RXKDYHKDGWRRYHUFRPH ZKLOVWEHLQJSUHVLGHQW" 8QIRUWXQDWHO\WKLV\HDU,KDG DUHDOO\EDGNQHHLQMXU\ZKLFK PHDQW,KDGWRWDNHWLPHRII ZRUNDQGOD\LQEHGIRUWKUHH PRQWKV,JRWGRZQDQGUHDOO\ GHSUHVVHGDV,IHOWWKDW,ZDVQW GRLQJP\MRESURSHUO\DQG OHWWLQJGRZQWKRVHZKRKDG YRWHGIRUPH/XFNLO\LKDG %HQ0DVVH\ 9LFH3UHVLGHQW  ZKRWRRNRYHUPRVWRIP\ UROHVIRUPH,ZDVEDFNLQ WLPHWRRUJDQLVHWKH6XPPHU EDOOZKLFK,ZDVSOHDVHG DERXW :KDWKDYH\RXFKDQJHVLQFH \RXKDYHEHHQLQRIÃ&#x20AC;FH" :RZZKHUHWRVWDUW":H KDYHVWDUWHGDWULDOWH[WVHUYLFH WROHWVWXGHQWVNQRZZKHQ OHFWXUHVRUVHPLQDUVDUH FDQFHOOHG&DPSDLJQHGLQ /LYHUSRRODQG/RQGRQDJDQLVW WKHULVLQJWXWLRQIHHV:HKDYH UDQPRUH67,DQGFODPLGD WHVWLQJWKDQHYHUEHIRUHDQG KHOGWKHPRVVXFFHVVIXO DFFRPGDWLRQDGYLFHWKDQLQ

SUHYLRXV\HDUV2QHRIPRVW UHZDUGLQJWKLQJVZHKDYH FKDQJHGLVWKH6WXGHQW8QLRQ EHLQJDEOHWRUHSUHVHQWVWXGHQW VDWSODJULVPVKHDULQJVDQG SXWWLQJWKHLUDUJXPHQWVDFURVV :HKDYHDOVRGRQHDORWWR WKHVWXGHQWXQLRQQLJKWVRXW FKDQJLQJWKHPHVDQGJHWWLQJ LQPRUHDSSHUDQFHV ,VWKHUHDQ\WKLQJ\RXVWLOO OLNHWRSXUVXHLI\RXZHUH JLYHQWKHFKDQFH" ,JRWDORWRIVWLFNWKLV\HDU IURPFKDQJLQJWKH:HGQHVGD\ QLJKWRXWORFDWLRQ+RZHYHU WKLVZDVQRWP\FKRLFHDQG EH\RQGP\FRQWURO,ILKDG PRUHWLPHLQ2IÃ&#x20AC;FH,ZRXOG OLNHWRWU\DQGUHVROYHWKLV LVVXHDQGPDE\HFRPHWRD FRPSURPLVHZLWKERWKWKH 8QLYHUVLW\DQGWKHVWXGHQWV DVWKLVZDVQRWDSHUVRQDO GHFLVLRQDQGWKHUHIRUH,VKRXOG QRWJHWEODPHGIRULW :KDWDGYLFHWR\RXKDYHIRU WKHQHZSUHVLGHQW" ,ILKDGRQHSLHFHRIDGYLFH IRUWKHQHZ3UHVLGHQWLV GRQ·WZDVWHWKLVRSSRWXQLW\ $\HDULVQRWDYHU\ORQJWLPH DWDOO%HLQJ3UHVLGHQWKDV EHHQRQHRIWKHPRVWH[FLWLQJ DQGUHZDUGLQJH[SHULQFHVRI P\OLIH7RJRIURPEHLQJD VWXGHQWXQGHUVWDQGLQJDOO WKHSUREOHPVWKDWVWXGHQWV IDFHDQGEHLQJDEOHWRPDNHD GLIIHUHQFHLVDUHDOSULYOHGJH PRVWQHYHUJHWWRKDYHVR PDNHWKHPRVWRILW


:KDWKHUHDOO\WKLQNVDERXW \RX 7KHER\VRI &KHVWHU8QLWHOO XVWKHUHELJJHVW GLVOLNHVRQJLUOV DQGKRZOHVVLV GHLQIDWHO\PRUH 5LFKDUG'DYLHV6WXGHQW

7LP5RELQVRQVWXGHQW

5LFK+DLUZLVH,TXLWHOLNH VKRXOGHUOHQJKWQRWWRR ORQJRUWRRVKRUWDQGKDLU H[WHQVLRQVDUHDQRXFDQ DOZD\VVSRWWKHPDPLOHRII 7LP,GRQ·WPLQGH[WHQVLRQV DOWKRXJKP\H[KDGWKHP DQGWKH\IHHOKRUULEOHWR WRXFK1DWXUDOKDLUFRORXULV QLFHDVZHO

5LFK*LUOVVKRXOGQ·WVKRZWRR PXFKVNLQLWORRNVWDFN\DQG ZLWKVRPHJLUOVLWGRHVQWÁDWWHU WKHLUÀJXUH,GROLNHWKHP EDQGDJHGUHVVHVRQJLUOVWKRXJK +HYHU/HJHU%RG\FRQ  7LP$JLUOLQWLJKWMHDQVKHHOV DQGDWVKLUWLVPXFKVH[LHUWKDQ JLUOVZLWKDOOWKHLUVNLQRXW7KH\ WKLQNLWPDNHVWKHPORRNEHWWHU EXWLWGRHVQ·W

5LFK,UHDOO\KDWH LWZKHQJLUOVZHDU WRRPXFKPDNHXS, OLNHQDXWUDOO\SUHWW\ JLUOV 7LP*LUOVWKDW ZHDUWRRPXFK PDNHXSORRN SODVWLFDQGSXWPH RIILQVWDQO\

*ODPRXUJLUO3DULV+LOWRQ

5LFK,GRQ·WOLNH LWZKHQJLUOVZHDU WRRPXFKJOLWWHURU VSDUNOHVL·YHQHYHU VHHQLWGRQHZHOO 7LP,DJUHHMXVW ORRNVWRRPXFK/HVV LVGHÀQDWHO\PRUH S


$ 3HUVRQDO 7UDLQHUV WRS WLSV RQ KRZWRJHWWKDW%LNLQLERG\ 3HUVRQDO7UDLQHU/LQGVD\0RQQHU\WHOOVXVHDV\ WLSVRQKRZWRVKDSHXSMXVWLQWLPHIRUVXPPHU

'RDUHJXODU/XQJH WKHQH[WHQGWKHOHJVDWD GHJUHHDQJOHEHKLQG \RXZKLOHVWLOOVTXDWLQJ 7KLVZRUNVWKHJOXWHVDQG WKHFRUH,WDOVRZRUNV WKHLQQHUWKLJKDQGRXWHU WKLJK5HSHDWUHSVRQ HDFKVLGH,I\RXZDQWWR DGGPRUHWR\RXUZRUNRXW WU\XVLQJZHLJKWVEHWZHHQ OEDQGOE

2QHHDV\ZD\WRJHW \RXUDUPVWRQHGLVWR GRWULVHSVGLSV3ODFH \RXUKDQGVRQWKHHGJH RIDVWHDG\FKDLUZLWKD VWUDLJKWEDFNORZHU\RXU ERWWRPWRZDUGVWKHÁRRU ZLWK\RXUHOERZDWDQ GHJUHHDQJOH/LIWXSDQG UHSHDWWLPHV7U\GRGR WKLVWLPHVDZHHN

'RDUHJXOUVTXDWWKHQ H[WHQGWKHOHJVDWD GHJUHHDQJOHEHKLQG\RX ZKLOHVWLOOVTXDWLQJ7KLV ZRUNVWKHJOXWHVDQGWKH FRUH,WDOVRZRUNVWKH LQQHUWKLJKDQGRXWHU WKLJK5HSHDWUHSVRQ HDFKVLGH,I\RXZDQWWR DGGPRUHWR\RXUZRUNRXW WU\XVLQJZHLJKWVEHWZHHQ OEDQGOE S

7KHXOWLPDWHJUDGHRIDJRRG ELNLQLERG\LVDÁDWWRQQHG VWRPDFK7KLVFDQEHHDVLO\ DFKLHYHG8VHDQH[FHULVHEDOO ZLWK\RXUIHHWÀUPO\RQWKHJURXQG SXOO\RXUVHOIKDOIZD\XS5HSHDW WKLVLQUHSVRIHYHU\GD\DQG DIWHUZHHNV\RXVKRXOGVHHDUHDO GLIIHUHQFH

7RVWRSDQ\¶ELQJRZLQJV·LQ \RXUELNLQL\RXQHHGWREHGRLQJ ELVHSFXUOV8VHZHLJKWVOLWWHU ERWWOHVRIZDWHURUHYHQWLQQHGFDQV RIEHDQVSXOOWKHPXSWRVKRXOGHU ZLWK\RXUEDFNNHSWVWUDLJKW'R VHWVRIWLPHVDZHHN


7KH7HVW)DFWRU 7KLVPRQWKZHDUHWHVWLQJ<6/ 7RXFK(OFDWH

=RH:HOOV 6WXGHQW ,·YHQHYHUXVHG FRQVHDOHUEHIRUH 7KH\HOORZWRQHV LQWKLVZHUHJUHDW DWEDODQFLQJGDUN VKDGRZV,W·VEHWWHU IRUGDUNVKDGRZV WKDQIXOORQEDJV

/LQGVD\0RQQHU\ 6WXGHQW ,XVHGLWLQWKH FRQHUVRIP\H\HV DQGWKH\ORRNHG EULJKWHU7KHOLJKW FRQVLVWHQF\PHDQW LWGLGQ·WORRNWRR FDNH\(LJKWKRXUV VOHHSLQDFOLFN

6DPDQWKD6KDZ 6WXGHQW ,WGLGQ·WUHDOO\ ZRUNIRUPHLI ,·PEHLQJKRQHVW 7KHFRORXURILW MXVWGLGQ·WÃ&#x20AC;WP\ VNLQWRQH,I\RXU SDOHLW·VDPLVV XQIRUXQDWHO\







6LQHDG3DWRQ %HDXW\(GLWRU 7KLVGRHVQ·W MXVWFRYHUXS LPSHUIHFWLRQVLW EULJKWHQVVNLQWRR $TXLFNVZHHS RIWKLVXQGHUWKH H\HDQG,ORRNHG FRPSOHWHO\ UHIUHVKHG 

7KLVPRQWKVWRSÃ&#x20AC;QDQFLDOWLSV /RJRQWR\RXUVWXGHQWXQLRQZHEVLWHPRVWZLOOKDYHDVWXGHQWEXJGHWSODQQHU8VHWKLVWRZRUNRXW DOO\RXURXWFRPLQJVDQGLQJRLQJVHLWKHUPRQWKO\RUZHHNO\LQRUGHUWRVWD\RQWRSRI\RXUÃ&#x20AC;QDQFHV

0DNHVXUH\RXDUHUHFLHYHLQJDOOWKDW\RXDUHHQWLOWHGWR,I\RXVWUXJJOLQJWKHUHDUHIXUWKHUORDQVDQG EXUVDU\V\RXFDQDSSO\IRUVXFKDV¶KDUGVKLS·ORDQVIURP\RXVWXGHQWDGYLFHFHQWUH ,I\RXDUHZRUULQJDERXWIXQGLQJSRVWJUDGXDWHFRXUVHVGRQ·WEH7KHUHDUHDQXPEHURIRUJDQLVDWLRQV ZKRFDQIXQGWKHP,I\RXDUHVWXG\LQJWHDFKLQJRUVRFLDOZRUNWKHUHLVVWDWXWRU\IXQGLQJDYDLODEOH *RWRWKHEDQNDQGVHHLI\RXFDQH[WHQG\RXURYHUGUDIWOLPLW0RVWEDQNVKDYHVWXGHQWRYHUGUDIW OLPLWVRIÂ&#x2026;ZKLFKLVIUHHIRUWKUHH\HDUVDIWHU\RXJUDGXDWHVRWDNHDGYDQWDJH 7U\WRFXWGRZQRQ¶OX[XU\LWHPV·VXFKDVKDLUFXWVQHZFORWKHVDQGFLJDUHWWHV7U\WREX\QRQ SHULVKDEOHLWHPVLQEXON$OVRFRQWDFWDOO\RXUGLUHFWGHEWVDQGFDQFHOWKRVHV\RXGRQ·WUHDOO\QHHGVXFK DVPRWKO\J\PGHELWDQGWU\WRÃ&#x20AC;QGDSD\DV\RXJRJ\PRUWU\VSRUWVDQGH[FHULVH\RXGRQ·WKDYHWR SD\IRU S


=$5$

Sinead Paten pdf  

Sinead xx...

Read more
Read more
Similar to
Popular now
Just for you