Issuu on Google+

,VVXH

1RYHPEHU  &RQWDFWV

6KURSVKLUH $XWRQRP\ *URXS 6DUD+HDWK DQG

(ULF+HDWK



RU DXWRQRP\VKURSVKLUH # \DKRRFRXN

1HHGWR WDON"

6DUDDQG(ULF DUHKDSS\WR FRPPXQLFDWH ZLWKRXU PHPEHUV -XVWHPDLOXV DWDXWRQRP\ VKURSVKLUH#\DKRR FRXN

RUSKRQH  IRUD FKDW

:HZLVKDOO RXUUHDGHUVD 0HUU\ &KULVWPDV DQGD+DSS\ 1HZ<HDU

:HEVLWH8SJUDGH

7KDQN\RXIRU\RXUSDWLHQFH ZHKDYHDQHZORRNVLWHDWRXU QHZZHEDGGUHVV ZZZVKURSVKLUHDXWRQRP\FRXN ZKLFKZLOOEHPXFKHDVLHUWR XVHDQGZDVGHVLJQHGE\(ULF 2XUWKDQNVWR*.16DQNH\ DQGWKH6KUHZVEXU\&DUQLYDO IRUWKHLUJHQHURXVIXQGLQJ

7KHQHZZHEVLWHKDVVHYHUDO SDJHV7KH\DUH :KDWLV$XWRQRP\" :KDWLV$VSHUJHUV\QGURPH" 7KH$XWRQRP\QHZVOHWWHU 7KHQHZVOHWWHUDUFKLYH $QHYHQWVSDJH $XWRQRP\WUDLQLQJ /LQNV 2XUJURXSLVKDSS\WRSURPRWHWKH VSHFLDOVNLOOVRIRXUPHPEHUVDQG ZLOOEHGHVLJQLQJDOLQNVSDJHRQRXU ZHEVLWHIRUWKDWSXUSRVH,I\RX ZRXOGOLNHXVWRSURPRWH\RXU ZHEVLWHWKHQMXVWHPDLOXVWKH GHWDLOV

6KUHZVEXU\&DUQLYDO 6XSSRUWV$XWRQRP\

6DUDDQG(ULFZHUHLQYLWHGWRWKH 6KUHZVEXU\&DUQLYDOSUHVHQWDWLRQ HYHQLQJLQ2FWREHU:HZHUH SUHVHQWHGZLWKDJHQHURXVFKHTXH RIÂ&#x2026;IRURXUIXQGV:HDOVR KDGRXUSKRWRWDNHQE\WKH 6KUHZVEXU\&KURQLFOH 0DQ\WKDQNVWRWKH&DUQLYDO FRPPLWWHHIRUWKHLUJHQHURVLW\

'HVLJQE\6WHYH&REXUQ

6RFLDO(YHQWV 3XE6RFLDO

7KHVHVHVVLRQVDUHIRU\RXWR PHHWDQGVRFLDOLVH3OHDVHWU\ WRDWWHQG

6KUHZVEXU\ 7XHVGD\1RYHPEHUWKDWWKH %URRNODQGV+RWHO0HROH %UDFH6KUHZVEXU\ 0HHWIRUDGULQNDQGDFKDWLQ WKHORXQJHEDUIURPSP

&KULVWPDV'LQQHU 7XHVGD\'HFHPEHUWK DWWKH%URRNODQGV+RWHO0HROH %UDFH6KUHZVEXU\DWSP FRXUVH&KULVWPDV'LQQHU Â&#x2026; FRXUVH&KULVWPDV'LQQHU Â&#x2026; 0HHWLQWKHORXQJHEDU%ULQJ PRQH\IRUGULQNVDQGIRU\RXU PHDO7RERRNDSODFHSOHDVH SKRQHRUHPDLO6DUDRU(ULF *RRGOXFN)UDQFHV

)UDQFHV&DUURQHRIRXU PHPEHUVKDVPRYHGWR %LUPLQJKDPWRVWDUWQXUVH WUDLQLQJ6KHHQMR\VWKHFRXUVH EXWLVDOVRILQGLQJLWD FKDOOHQJH :HZLVK)UDQFHVDOOWKHEHVW ZLWKWKHFRXUVHDQGKHUQHZ FDUHHU


2XUROG ZHEVLWH ZZZ DXWRQRP\V KURSVKLUHF RXN LVQRW FXUUHQWO\ ZRUNLQJ :HDUH KDYLQJ SUREOHPV UHJLVWHULQJ WKHGRPDLQ

3OHDVH XVHRXU QHZZHE DGGUHVV ZZZVKUR SVKLUHDXW RQRP\FR XN LQVWHDG

)RU RXU VLVWHUJURXS 6KURSVKLUH $XWLVWLF 6XSSRUWHUV &KLOGUHQ ZLWK$6' DQG&DUHUV

FRQWDFW

/LQGD&UDQH  DIWHUSP RQO\

ZZZVKURSVKLUHDXWRQRP\FRXN

$XWLVP

µ7KH$ZDUHV$XWLVP

FRQIHUHQFHKHOGRQOLQH EHWZHHQIURP2FWREHU± 1RYHPEHUZDVYHU\ LQWHUHVWLQJ6DUDZDVDEOH WRµFRQYHUVH¶ZLWKDUDQJH RISHRSOHDERXWEXOO\LQJ DELOLW\HGXFDWLRQHWF,W ZDVJRRGWREHDEOHWR µWDON¶WRSHRSOHIURPDOO RYHUWKHZRUOG

,WVHHPVWKDWFKLOGUHQZLWK $6DUHEHLQJVWLOOEHLQJ EXOOLHGRUQRWWDXJKWLQWKH ULJKWZD\DWVFKRRO6DUD µVSRNH¶WRPDQ\SDUHQWV ZKRVHFKLOGUHQDUHKDYLQJ SUREOHPVLQHGXFDWLRQDQG VRPH$6DGXOWVZKRKDYH YLYLGPHPRULHVRIEXOO\LQJ DQGYLFWLPLVDWLRQLQ FKLOGKRRG

:HOOGRQH9LFWRULD

/LNHPDQ\RIRXUPHPEHUV 9LFWRULD&OLQWRQ'DYLHVLVJLIWHG 6KHLVDWDOHQWHGDUWLVW9LFWRULD DQGKHUDUWZRUNZHUHUHFHQWO\ IHDWXUHGLQWKH6KURSVKLUH6WDU +HUDUWZRUNZDVWREHSURPRWHG RQWKH6KDURQ2VERXUQH6KRZ VR9LFWRULDDQGPXP$QJHOD EUDYHO\ZHQWWRD/RQGRQVWXGLR DQGDSSHDUHGRQQDWLRQDO79

:HDUHSURXGRI9LFWRULD DQG KHUPXP$QJHOD LQSURPRWLQJ WKHJLIWVRISHRSOHZLWK$6DQG DOVRUDLVLQJDZDUHQHVVRI $VSHUJHUV\QGURPHRQQDWLRQDO 79

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


issue_18_nov_2006