You are on page 1of 38



'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

'LQRVDXU7UDLQLQJ
$ERXW0H

6KRZLQJSRVWVZLWKODEHOGLQRVDXUWUDLQLQJSURJUDPV 6KRZ
DOOSRVWV

%URRNV.XELN
9LHZP\FRPSOHWH
SURILOH

+RZ 1RW WR6WRS<RXU3URJUHVV'HDGLQ,W


V
7UDFNV
+DLOWRWKH'LQRVDXUV
7ZRTXLFNQRWHVDQGWKHQZH
OOWDONDERXWWKHQXPEHU
SURJUHVVVWRSSHU\RXIDFH
7KHUH
VVWLOOWLPHWRUHVHUYH\RXUFRS\RI.QLIH)RUN
0XVFOHGXULQJRXUSUHSXEOLFDWLRQVSHFLDO

/DEHOV
EXLOGLQJVWUHQJWKDQGPXVFOH

IUHG

KRZHOO
GLQRVDXUPLQGSRZHU

V XFFHVV

VWRULHV
V WUHQJWKPXVFOHDQGSRZHU

LURQ

JDPHKLVWRU\
 
UHSVTXDWV 

KWWSEURRNVNXELNFRPGLQRVDXUBQXWULWLRQKWPO

[WUDLQLQJ 

D,I\RXIRUJRWWRDVNIRUDQDXWRJUDSKDQG\RXZDQW
RQHVKRRWPHDQHPDLO

DEZRUN 

E,
PQRWVXUHZKHQZH
OOJHWWKHERRNVIURPWKH
SULQWHUEXW,
OONHHS\RXSRVWHGYLDP\HPDLOVDQG
ZH
OOVKRRWWKHPULJKWRXWWKHGRRUE\SWHURGDFW\O
PDLODVVRRQDVZHJHWWKHP
<HVZHDUHODXQFKLQJDQHZTXDUWHUO\YHUVLRQRIWKH
ZRUOGIDPRXVRQHDQGRQO\'LQRVDXU)LOHVQHZVOHWWHU

D 
DEEUHYLDWHZRUNRXWV 
DEEUHYLDWHGWUDLQLQJ 
DEEUHYLDWHGZRUNRXWV 
DGYDQFHGOLIWHUV 
DODQFDOYHUW 
DODQVWHSKDQ 
DOORXWH[HUFLVHV 
DPHULFDQVWUHQJWKDQGKHDOWKOHDJXH 

,
OOSXWDQRUGHUSDJHXSQH[WZHHN:H
UHJRLQJWR
GRVLQJOHLVVXHVUDWKHUWKDQVXEVFULSWLRQV(DFKLVVXH
ZLOOEH%,*LWZLOOPRYHIURPQHZVOHWWHUWRPDJD]LQH
VL]H%HORRNLQJIRUWKHDQQRXQFHPHQWVRRQ

DSROORQZKHHOV 

,QWKHPHDQWLPHLI\RX
GOLNH%$&.,668(6QRWD
QHZVXEVFULSWLRQEXW%$&.,668(6IURPDQG
\RXFDQILQGWKHPKHUH

EDFNVSHFLDOL]DWLRQ 

)RUEDFNLVVXHV DLVVXHVHW 

DUWKXUVD[RQ 
DXWRJUDSKUHTXHVWV 
DYRLGLQJDFFLGHQWV 
EDFNWRWKHEDVLFV 
EDFNWUDLQLQJ 
EDUEHOOWUDLQLQJ 
EDUUHOOLIWLQJ 

KWWSZZZEURRNVNXELNFRPGLQRVDXUBILOHVKWPO

EDVLFH[HUFLVHV 

)RUEDFNLVVXHV DLVVXHVHW 

EHJLQQHUV 

KWWSZZZEURRNVNXELNFRPGLQRVDXUILOHVBUHQHZDOSDJHKWPO
5HPHPEHUWKHVHDUHIRU%$&.,668(6RQO\127IRUD
QHZVXEVFULSWLRQ

%DVLF7UDLQLQJ 
EHQFKSUHVVLQJ 
EHUQDUUPDFIDGGHQ 
ELOOKLQEHUQ 
ELOONRFLDED 
ELOO\YDQ 

2QWKHWUDLQLQJIURQWOHW
VWDONDERXWWKHQXPEHU
RQHSURJUHVVEXVWHU

ELUWKGD\RUGHUV 

<HVWHUGD\,GLVFXVVHGWKHLPSRUWDQFHRIFRQFHQWUDWLRQ
ZKHQ\RXWUDLQDQG,QRWHGWKDWGLVWUDFWLRQZDVD
SK\VLFDOFXOWXULVW
VJUHDWHVWHQHP\

EREKRIIPDQ 

,ZDVWDONLQJDERXWGLVWUDFWLRQGXULQJ\RXUZRUNRXWV
%XWWKHUH
VDQRWKHUNLQGRIGLVWUDFWLRQDQGLW
VD
KXJHSUREOHPDQGRQHWKDW
VJHWWLQJELJJHUDOOWKH
WLPH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV

EODFNLURQWKHMRKQGDYLVVWRU\ 
ERESHRSOHV 
ERG\EXLOGLQJ 
ERG\ZHLJKWH[HUFLVHV 
ERG\ZHLJKWWUDLQLQJ 
ERQHEURWK 
ERQHVWUHQJWK 




'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

ERVFR 

,W
VLQIRUPDWLRQRYHUORDGDQGLW
VWKHUHVXOWRIDOOWKH
GLIIHUHQWSHRSOHZLWKDOOWKHGLIIHUHQWZKL]EDQJWUDLQLQJ
SURJUDPVZRUNRXWVH[HUFLVHVDQGLGHDV

EUDGOH\MVWHLQHU 

1RZWKHUH
VQRWKLQJZURQJZLWKWUDLQLQJLQIRUPDWLRQ
SHUVHRUZLWKUHDGLQJDERXWWUDLQLQJRUZLWKEHLQJ
RQWKHORRNRXWIRUQHZLGHDV,QIDFWWKHDYDLODELOLW\
RIJRRGLQIRUPDWLRQDQGWKHIUHHIORZRILGHDVLVD
JRRGWKLQJ

%URRNV.XELN 

%XWLWEHFRPHVDEDGWKLQJZKHQLWOHDGVDWUDLQHHWR
VWDUWWRVHFRQGJXHVVZKDWKH
VGRLQJRUWRFKDQJH
ZKDWKH
VGRLQJEHIRUHKH
VKDGDFKDQFHWRPDNHDQ\
UHDOSURJUHVVIURPLW

FDUGLRWUDLQLQJIRUOLIWHUV 

5HPHPEHULWWDNHVDZKLOHIRUDWUDLQLQJSURJUDPWR
ZRUN
)RUPRVWSHRSOHLWJRHVVRPHWKLQJOLNHWKLV

EUHDNLQJDSODWHDX 
EUHDWKLQJVTXDWV 
%UXQR6DPPDUWLQR 
EXLOGLQJPXVFOHPDVV 
EXLOGLQJVWUHQJWKDQGPXVFOH 
FDEOHWUDLQLQJ 
FDUOODQRUH 
FHOODUGZHOOHUVDQGJDUDJHJRULOODV

FKDONDQGVZHDW 
FKDPSLRQVKLSOLIWLQJ 
FKDPSLRQVKLSWKLQNLQJ 
FKDUDFWHU 
FKDUOHVSROLTXLQ 

<RXVWDUWOLJKWDQGHDV\DQGJUDGXDOO\DGGZHLJKWDQG
EXLOGXSWKHLQWHQVLW\RI\RXUZRUNRXWV7KLVPD\ODVW
DQ\ZKHUHIURPWZRWRVL[ZHHNV

&KULVWPDVRUGHUV 

(YHQWXDOO\\RXKLWDSRLQWZKHUHWKHZRUNRXWVDUHKDUG
KHDY\DQGGHPDQGLQJ7KLVLVZKHUHWKHSURJUDPZLOO
SURYHLWVZRUWK,W
VWKHKDUGSDUWRIWKHWUDLQLQJF\FOH
ZKHUH\RXPDNHU\RXUJDLQV

FOHYLRPDVVLPR 

)LQDOO\\RXUHDFKDSRLQWZKHUH\RXUJDLQVVORZGRZQRU
FRPHWRDVWRS

FRPSRXQGH[HUFLVHV 

&KULVWPDVVWRU\ 
FODUHQFHEDVV 
FROGZHDWKHUWUDLQLQJWLSV 
FRPEDWWUDLQLQJ 
FRPPRQVHQVHWUDLQLQJ 
FRQFHQWUDWLRQ 
FRQGLWLRQLQJZRUNRXWV 

$WWKDWSRLQW\RXVZLWFKWRDQRWKHUZRUNRXWRQFHDJDLQ
VWDUWLQJOLJKWDQGHDV\DQGZRUNLQJXSWRVRPHVHULRXV
LURQDQGVRPHVHULRXVHIIRUW

FRQILGHQFH 

2YHUWLPHWKLVDSSURDFKJLYHV\RXSOHQW\RIYDULHW\
DQGEXLOGVDWRQRIVWUHQJWKPXVFOHDQGSRZHU

FRXUDJH 

%XW\RXKDYHWRVWLFNZLWKHDFKSURJUDPORQJHQRXJK
WRPDNHSURJUHVV

FRQVLVWHQF\ 
FRUHWUDLQLQJ 
FXUOV 
G 
GDYHGUDSHU
VWRSVTXDW 
GDYHSURZVH 

,I\RXFKDQJH\RXUSURJUDPHYHU\WLPH\RXVHHVRPH
WKLQJQHZDQGGLIIHUHQW\RXXVXDOO\GRQ
WGRYHU\ZHOO
,QVKRUWLQIRUPDWLRQLVJRRGEXW\RXQHHGWRNQRZ
KRZWRXVHLWDQGZKHQWRXVHLW

GHDGOLIWV 

$QG\RXQHHGWRVWLFNWRDJLYHQSURJUDPORQJHQRXJK
WRJHWVRPHUHDOUHVXOWV

GLIIHUHQWZD\VWRXVHDEDUEHOO 

GHHSEUHDWKLQJ 
GHOOLQJHUILOHV 
GLHWDQGQXWULWLRQWLSV 
GLQJVDQGGHQWV 
GLQRFDUGLR 

0DNHDSODQDQGIROORZWKURXJK
7KDW
VWKHNH\WRVXFFHVV
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\,I
\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK

GLQRILOHV 
GLQRQHZV 
GLQRQXWULWLRQ 
GLQRXSGDWHV 
GLQRVKHOSGLQRV 
GLQRVDXUDUPWUDLQLQJ 
GLQRVDXUERG\ZHLJKWWUDLQLQJ 

%URRNV.XELN

GLQRVDXUEUHDNIDVWV 

36,I\RXQHHGKHOSILQGLQJWKHULJKWSURJUDPIRU
\RXUFXUUHQWOHYHORIH[SHULHQFHVWUHQJWKDQG
GHYHORSPHQWJUDEWKLV

GLQRVDXUGLHW 

KWWSZZZEURRNVNXELNFRPFKDONBDQGBVZHDWKWPO

GLQRVDXUHERRNV 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV

GLQRVDXUFKDOOHQJH 
GLQRVDXUGXPEEHOOWUDLQLQJ 
GLQRVDXUGYG
V 





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

GLQRVDXUH[HUFLVHV 

360\RWKHUERRNVDQGFRXUVHVDUHULJKWKHUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\$JRRGSURJUDPDOZD\V
ZRUNVEXWLWGRHVQ
WZRUNRYHUQLJKW%URRNV.XELN


GLQRVDXUIHHGEDFN 
'LQRVDXU)LOHV 
GLQRVDXUILOHVQHZVOHWWHU 
GLQRVDXUILOHVTXDUWHUO\ 
GLQRVDXUJDUGHQLQJ 
GLQRVDXUJ\PV 
GLQRVDXUPHDOV 

3RVWHGE\%URRNV.XELNDW$0
/DEHOVGLQRVDXUWUDLQLQJSURJUDPVGLQRVDXUZRUNRXWVPHQWDODVSHFWVROGVFKRRO
WUDLQLQJSURJUDPVSRXQGDJHSURJUHVVLRQSURJUHVVLRQUHDOZRUOGWUDLQLQJ

GLQRVDXUPLQGSRZHU 

$6LPSOH3ODWHDX%XVWHUIRU'LQRV

GLQRVDXUQXWULWLRQ 

+DLOWRWKH'LQRV

GLQRVDXUSURGXFWV 

$UHDGHUZURWHLQZLWKDWUDLQLQJ
TXHVWLRQDQG,WKRXJKW,
GVKDUH
LWZLWK\RXDORQJZLWKP\
DQVZHUEHFDXVHLWPD\DSSO\
WRPDQ\UHDGHUV
+H
VEHHQGRLQJDQXOWUDDEEUHYLDWHG
ZRUNRXWZKHUHKHMXVWGRHVVTXDWVDQG
SUHVVHV DSURJUDP3DXO$QGHUVRQXVHG
ZLWKQRWDEOHVXFFHVV 

GLQRVDXUPXVFOHVKLUWV 
GLQRVDXUQHZV 
GLQRVDXUSRGFDVWV 
GLQRVDXUUHFLSHV 
GLQRVDXUVHPLQDUV 
GLQRVDXUVWUHQJWKWUDLQLQJDUFKLYH 
GLQRVDXUWVKLUWV 
'LQRVDXU7UDLQLQJ 
GLQRVDXUWUDLQLQJGYG
V 
GLQRVDXUWUDLQLQJHERRN 
GLQRVDXUWUDLQLQJHERRNV 
GLQRVDXUWUDLQLQJKRRGLHV 
GLQRVDXUWUDLQLQJSURGXFWV 

+H
VEHHQPDNLQJJRRGJDLQVDQGLV
DGGLQJZHLJKWWRWKHEDURQDUHJXODU
EDVLVEXWKH
VILQGLQJLWKDUGHU
DQGKDUGHUWRDGGZHLJKWDQGKH
V
DOPRVWVWDUWLQJWRGUHDGWKHQH[W
ZRUNRXW
6RKHDVNHG  LVWKLVSUREOHPXQLTXH
WRKLPRULVLWDPRUHFRPPRQSUREOHP
DPRQJWUDLQHHVJHQHUDOO\DQG  ZKDW
VKRXOGKHGRDERXWLW"

GLQRVDXUWUDLQLQJSURJUDPV 
GLQRVDXUWUDLQLQJVHFUHWV 
GLQRVDXUWUDLQLQJVHPLQDUV 
GLQRVDXUWUDLQLQJXSGDWHV 
GLQRVDXUXSGDWHV 
GLQRVDXUZRUNRXWV 
GLQRVDXWWVKLUWV 
GLYLGHGZRUNRXWV 
GRXJKHSEXUQ 
GUNHQ 

7KHDQVZHUWRWKHILUVWTXHVWLRQLV
LW
VDYHU\FRPPRQSUREOHP7KDW
VZK\
\RXVKRXOGSODQ\RXUZRUNRXWVDQG\RXU
WUDLQLQJSURJUDPVWRJHWDURXQGLW

GUNHQOHLVWQHU 

7KHDQVZHUWRWKHVHFRQGTXHVWLRQ
WKHZKDWWRGRTXHVWLRQLVSUHWW\
VLPSOH

GXPEEHOOWUDLQLQJ 

6ZLWFKIURPWKHWZRH[HUFLVHZRUNRXW
WKDW\RXUHSHDWLQHYHU\VHVVLRQRYHU
DQGRYHUWRDSURJUDPZKHUH\RXKDYH
WZRRUHYHQWKUHHGLIIHUHQWZRUNRXWV
ZLWKGLIIHUHQWH[HUFLVHVLQHDFKZRUNRXW

HQMR\\RXUWUDLQLQJ 

7KDWNHHSV\RXIUHVK,WDYRLGVWKHPLQG
JDPHZKHUH\RXVWDUWWRZRUU\DQGIUHW
DERXWWKHXSFRPLQJZRUNRXW

)DWKHU/DQJH 

$QGLW
VYHU\HDV\WRGR

GUXJIUHHWUDLQLQJ 
GXPEEHOOH[HUFLVHV 
GXPEEHOOSUHVVHV 
GXPEEHOOZRUNRXWV 
HGMXELQYLOOH 
HQWKXVLDVP 
HULFILRULOOR 
H\HKHDOWK 
IDUPHU
VZDON 
)DWKHU
V'D\ 
IDYRULWHH[HUFLVHV 
IHDWVRIVWUHQJWK 
IHHGEDFNIURPGLQRVDXUV 

)RUH[DPSOH

ILQLVKHUV 

:RUNRXW$ RQ0RQ

IRFXV 

0LOLWDU\SUHVV
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV

IOH[LELOLW\ 
IRRGVXSSOHPHQWV 
IRUHDUPH[HUFLVHV 




'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

6TXDWV
:RUNRXW% RQ:HG
3XOOXSVSXOOGRZQVRUURZLQJ
%HQFKSUHVVRULQFOLQHSUHVV
:RUNRXW& RQ)UL
'HDGOLIWRU7UDS%DUGHDGOLIW
'HDGOLIWRU7UDS%DUGHDGOLIWSDUWLDOV
IURPWKHNQHHV
1RWHVWDUWHDFKZRUNRXWZLWKD
PLQXWHZDUPXSDQGILQLVKZLWK\RXU
FKRLFHRIJXWJULSRUQHFNZRUN
URWDWLQJHDFKIURPVHVVLRQWRVHVVLRQ
1RZZKDWWKLVGRHVLVJLYH\RXUPLQG
DQG\RXUERG\DELWRIDEUHDN
,QVWHDGRISXVKLQJKDUGDQGKHDY\RQ
WKHVDPHWZRH[HUFLVHVLQHDFKZRUNRXW
\RX
UHDOZD\VGRLQJVRPHWKLQJ,W
VKDUG
DQGLW
VGHPDQGLQJRIFRXUVHEXW
LW
VPXFKHDVLHUWKDQKLWWLQJWKHVDPH
WKLQJRYHUDQGRYHUDQGRYHU
1RWHWKLVLV127DVXJJHVWLRQWRGR
DGLIIHUHQWDQGUDQGRPZRUNRXWHYHU\
WLPH\RXWUDLQ<RXQHHGWR3/$1D
SURJUDPDQG\RXQHHGWRIROORZWKH
SURJUDPDQG\RXQHHGWRPDNH\RXU
SURJUDPSURJUHVVLYH%XW\RXUSURJUDP
ZLOOZRUNEHWWHULI\RXXVHDFRXSOH
RIGLIIHUHQWZRUNRXWVUDWKHUWKDQ
VWLFNLQJWRWKHVDPHWKLQJDOOWKH
WLPH7KDWZD\HDFKZRUNRXWLVIUHVK
DQGH[FLWLQJDFKDOOHQJHUDWKHU
WKDQDPRQRWRQRXVJULQG
<RXFDQGRWKHVDPHVHWVDQGUHSVIRU
HDFKH[HUFLVHRUPL[WKHPXSDV\RX
SUHIHU,
YHDOZD\VIRXQGWKDWFHUWDLQ
VHWUHSVFKHPHVZRUNHGEHWWHUIRUPH
RQVRPHH[HUFLVHVWKDQRQRWKHUV<RX
PD\ILQGWKHVDPHWKLQJWREHWUXHIRU
\RX

IUDQNOHLJKW 
IUDQNVSHOOPDQ 
IUHHUDQJHHJJV 
IUHVKYHJHWDEOHV 
JDLQLQJZHLJKW 
JDUGHQLQJ 
JHRUJHHLIHUPDQ 
JHRUJHIMRZHWW 
JHRUJHKDFNHQVKPLGW 
JHWWLQJVWDUWHG 
JRDOVHWWLQJ 
JRLQJVWURQJDW 
JUDFLHEDUG 
JUDVVIHGPHDW 
JUD\KDLUDQGEODFNLURQ 
JULSH[HUFLVHV 
JULSH[HUFLVHVGLQRVDXUH[HUFLVHV 
JULSWUDLQLQJ 
JURXQGEDVHGWUDLQLQJ 
JXWZRUN 
KDQGEDODQFLQJ 
KDQGVWDQGSXVKXSV 
KDUGZRUN 
KDUGJDLQHUV 
KDUU\JRRG 
KDUU\SDVFKDOO 
KDUU\SDVFKDOOPHPRULDOIXQG 
KHDOWK\HDWLQJ 
KHDOWK\MRLQWV 
KHDOWK\NLGV 
KHDY\DZNZDUGREMHFWV 
KHDY\LURQ 
KHDY\SDUWLDOV 
KHDY\VLQJOHV 
KHOSLQJRWKHUV 
KHQU\ZKLWWHQEHUJ 
KHQU\ZLWWHQEHUJ 
KHUPDQJRHUQHU 
KLJKLQWHQVLW\WUDLQLQJ 
KLNLQJ 
KROLGD\JUHHWLQJV 
KRPHJ\PHTXLSPHQW 
KRPHJ\PWUDLQLQJ 

6RWKDW
VDVLPSOHVROXWLRQWRDFRPPRQ
SUREOHP$QGLW
VDVROXWLRQWKDWFDQ
KHOS\RXNHHSRQWKHURDGWRVRPH
VHULRXVJDLQVLQVWUHQJWKPXVFOH
DQGSRZHU

KRQHVWZHLJKWV 

$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYH
DJUHDWGD\,I\RXWUDLQWRGD\PDNHLW
DJRRGRQH

KXUULFDQHVDQG\ 

<RXUVLQVWUHQJWK

+RUDWLXV 
KRWZHDWKHUWUDLQLQJWLSV 
KRZWRXVHDEDUEHOO 
KXQWLQJ 
LQGLDQFOXEV 
LQMXULHV 
LQWHUPHGLDWHV 
LQWURYHUWVDQGH[WURYHUWV 

%URRNV.XELN

LURQJDPHKLVWRU\ 

36)RUWRQVRIRWKHUSODWHDXEXVWHUV

,URQ0DQ 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV

LURQOHDJXH 




'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

JUDE6WUHQJWK0XVFOHDQG3RZHU
KWWSZZZEURRNVNXELNFRPVWUHQJWKBPXVFOHBSRZHUKWPO
360\RWKHUERRNVDQGFRXUVHVDUH
ULJKWKHUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\(YHU\JUHDW
DFFRPSOLVKPHQWEHJLQVZLWKDJRRGSODQ
%URRNV.XELN
3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVGLQRVDXUWUDLQLQJSURJUDPV
SURJUHVVLRQUHDOZRUOGWUDLQLQJVWUHQJWKPXVFOHDQGSRZHUXOWUDDEEUHYLDWHGWUDLQLQJ

&UD]\([HUFLVHVDQG,QVDQH:RUNRXWV

LUUHJXODUWUDLQLQJ 
LVRPHWULFV 
LVRPHWURQLFV 
MDFNODODQQH 
MLPSDUN 
MLPVFKPLW] 
MRHKLVH 
MRHNLQQH\ 
MRKQGDYLV 
MRKQJULPHN 
MRKQJULPHNFRXUVH 
MRKQJUXQPDU[ 
MRKQZRRG 
MXOHVEDFRQ 
NGLQRVDXUGLQRVDXUWUDLQLQJ 

+DLOWRWKH'LQRVDXUV

NHQWXFN\GHUE\ 

,MXVWGLGDJRRJOHVHDUFKIRUFUD]\H[HUFLVHV
DQGJRWKLWV

NHYLQWROEHUW 

&UD]\ZRUNRXWVJRWKLWV
,QVDQHH[HUFLVHVGLGSUHWW\ZHOOWRR,JRW
KLWVRQWKDWRQH
,QVDQHZRUNRXWVGHOLYHUHGKLWV
1RZ,GRQ
WNQRZDERXW<28EXW,
PQRW
LQWHUHVWHGLQFUD]\H[HUFLVHVFUD]\
ZRUNRXWVLQVDQHH[HUFLVHVRULQVDQH
ZRUNRXWV
%XWLWVHHPVHYHU\RQHHOVHLQWKHZRUOGLV
$QGWKDWP\IULHQGVDQGIHOORZGLQRVDXUV
LVRQHRIWKHELJJHVWSUREOHPVZLWKPRGHUQ
GD\WUDLQLQJ,W
VQRWDERXWWKHWKLQJVWKDW
PDWWHUEDVLFH[HUFLVHVKDUGZRUNVKRUW
DEEUHYLDWHG ZRUNRXWVTXDOLW\WUDLQLQJWKH
PLQGPXVFOHOLQNSURJUHVVLRQDGGLQJZHLJKW
WRWKHEDUHWF LHWKHWKLQJV,WHDFK
LQP\'LQRVDXU7UDLQLQJERRNVDQGFRXUVHV 
,QVWHDGLW
VDERXW&5$=<VWXII,16$1(VWXII
6WXIIWKDWLVQHZGLIIHUHQWDQGQRRQHHOVH
LQWKHZZRUOGLVGRLQJLWRWKHUWKDQWKHJX\
RQ<RX7XEHDQGWKHPLOOLRQSHRSOHZKRVDZ
KLVFOLSDQGGHFLGHGWRJRRXWDQGWU\KLV
EUDQGQHZH[HUFLVH
6TXDWV"
)RUJHWLW(YHU\RQHZDQWVWRGR%XOJDULDQ
VSOLWVTXDWVRQDZHOORLOHGVWDELOLW\EDOO
SHUFKHGRQWRSRIDZREEOHERDUGIORDWLQJLQ
DSRRORIZDWHU7KHJX\RQ<RX7XEHVDLGLW
ZDVJUHDWIRUWKHH[HUQRPHWHUPXVFOHVDQG
WKHJOXWHXVUDGLFXORXV$QGLWVXUHORRNHG
&5$=<

NHWWOHEHOOV 
NLPZRRG 
NQLIHIRUNPXVFOH 
NRFLDEDILWQHVV 
ODJJLQJERG\SDUWV 
OD\RIIV 
OHJDQGEDFNWUDLQLQJ 
OHJVSHFLDOL]DWLRQ 
/HJDF\RI,URQ 
OHJDF\RILURQVHULHV 
OHYHUEDUV 
OLIHORQJVWUHQJWKDQGKHDOWK 
OLIWLQJEHOWV 
OLIWLQJVKRHV 
OLJKWGD\V 
ORFDOIRRG 
ORJEDUV 
ORQJEHDFK 
ORZUHSWUDLQLQJ 
OXJJLQJDQGORDGLQJGULOOV 
PDOZKLWILHOG 
PDUNEHUU\ 
PDVWHUWKHZHLJKW 
PDVWHUVZHLJKWOLIWLQJ 
PD[LFN 
PHDVXUHPHQWV 
PHDVXULQJ\RXUVWUHQJWK 
PHQWDODVSHFWV 
PLGVHFWLRQWUDLQLQJ 
PLNHULQDOGL 
PLOLWDU\SUHVVFRXUVH 
PLOLWDU\SUHVVLQJ 
PLOLWDU\WUDLQLQJ 
PLOREDUEHOOFRXUVHV 
PLORVWHLQERUQ 
PLQGPXVFOHOLQN 

'HDGOLIWV"
1RWRQ\RXUOLIH(YHU\RQHZDQWVWRGRGRZQKLOO
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV

PLQHUDOV 
PRELOLW\ 




'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

WLUHIOLSVRQGHJUHHVORSHZKLOHSXOOLQJ
RQHRIWKRVHSDUDFKXWHWKLQJVDQGZHDULQJD
:RUOG:DU,HUDJDVPDVNDQGUROOHUVNDWHV
+H\LWORRNHG,16$1(LQWKHYLGHRFOLS

PRELOLW\WUDLQLQJ 

7KHFOHDQDQGSUHVV"

P\QHZGLHWDQGQXWULWLRQERRN 

PRWLYDWLRQ 
PRWLYDWLRQDQGPXVFOHSRGFDVW 
P\QHZERRN 
P\<RXWXEHFKDQQHO 

1RZD\1RWXQOHVV\RXVWDQGRQDPLQL
WUDPSROLQHZKLOH\RXGRLW7KDWORRNHG
FUD]\$1'LQVDQHLQWKHYLGHR

QDWXUDOIRRGV 

)LYHVHWVRIILYHUHSV"

QHFNWUDLQLQJ 

QDXWLOXVPDFKLQHV 
QDXWLOXVWUDLQLQJ 
QHZERRN 

7KDW
V62ROGIDVKLRQHG7KHELJWKLQJWKLV
PRQWKLVVHWVRIUHSV,W
VJRWWD
ZRUNLW
VWRR&5$=<QRWWRZRUN
7UDLQLQJWZRRUWKUHHWLPHVDZHHNIRU
WRPLQXWHVSHUZRUNRXW"
38+/((=(7KDW
VQRWFUD]\,W
VWRR
ROGIDVKLRQHGWREHFUD]\&5$=<LVWUDLQLQJ
WKUHHRUIRXUWLPHVDGD\ ILYHLVEHWWHU
IRUDFRXSOHRIKRXUVSHUVHVVLRQDQG
GRLQJLWVHYHQGD\VDZHHN(YHU\RQHRQ
)DFHERRNZLOOVD\\RX
UH,16$1(ZKHQ
\RXWHOOWKHPDERXWLW
$EEUHYLDWHGZRUNRXWV"4XDOLW\WUDLQLQJ"
1XWVWRWKDW,WGRHVQ
WFRPHDQ\ZKHUH
QHDUWKH$6</80)$&725
,QVKRUWHYHU\WKLQJWKDW:(GR7+(<
GRQ
WOLNH,W
VQRWFUD]\,W
VQRW
LQVDQH,QIDFWLW
VSUREDEO\QRWHYHQ
FRRO

QHZGLQRVDXUWUDLQLQJFRXUVH 
QHZGLQRVDXUWUDLQLQJFRXUVHGLQRVDXU
WUDLQLQJVHFUHWV 
QHZH[HUFLVHV 
QRUEVFKHPDQVN\ 
QRWKLQJEXWVTXDWV 
ROGLURQ 
ROGVFKRROJ\PV 
ROGVFKRROVWURQJPHQ 
ROGVFKRROWUDLQLQJSURJUDPV 
ROGWLPHVWURQJPHQ 
ROGVFKRROH[HUFLVHV 
ROGVFKRROVWURQJPHQ 
ROGVFKRROWUDLQLQJ 
ROGWLPHVWURQJPHQ 
RO\PSLFJDPHV 
2O\PSLFOLIWLQJ 
2O\PSLFZHLJKWOLIWLQJ 
RQHH[HUFLVHZRUNRXWV 
RUJDQLFIRRG 
RUJDQLFKHDOWK 

6RWKHUHZHDUH$VPDOODUP\RIH[WUHPHO\
VWURQJYHU\ZHOOFRQGLWLRQHGROGVFKRRO
VWUHQJWKWUDLQHUVVWLFNLQJWRWKHEDVLFV
GRLQJWKHERULQJVWXIIDQGLJQRULQJWKH
ZRUOGRIWKH&5$=<DQGWKH,16$1(

RXWGRRUWUDLQLQJ 

,JXHVVWKDWPDNHVXVROGIDVKLRQHG

SHRSOH,DGPLUH 

,WDOVRPDNHVXV'LQRVDXUV
$QGWKDW
VZK\,VWDUWHYHU\HPDLOPHVVDJH
WKHYHU\VDPHZD\
+$,/727+(',126$856,ILWZDVQ
WIRU
\RXFUD]\DQGLQVDQHLVDOOWKHUHZRXOGEH
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\,I\RXWUDLQWRGD\PDNHLWDJRRG
RQH
<RXUVLQVWUHQJWK

SDXODQGHUVRQ 
SDXOEUDJJ 
SDXVHUHSV 
3HDU\5DGHU 
SHUFHQWDJHV 
SHUIHFWIRUP 
SHUVLVWHQFH 
SHWHJHRUJH 
3+$WUDLQLQJ 
SK\VLFDOFXOWXUHUDGLR 
SRVWXUH 
SRXQGDJHJRDOV 
SRXQGDJHSURJUHVVLRQ 
SRZHUIRRGV 
SRZHUUDFNWUDLQLQJ 
SUHFLVLRQ 

%URRNV.XELN

SUHYHQWLQJLQMXULHV 

36,I\RXZDQWFUD]\DQGLQVDQH,FDQ
WKHOS
\RX%XWLI\RXZDQWROGVFKRROVWUHQJWKWUDLQLQJ
WKDW5($//<:25.6\RXFDQILQGLWLQDQ\RI
P\'LQRVDXU7UDLQLQJERRNVDQGFRXUVHV

SURJUHVVLRQ 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV

SURJHVVLRQ 
SURWHLQ 
SURWHLQGULQNV 
SURWHLQSRZGHU 




'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
366DYHVRPHZDPSXPRQV KE\RUGHULQJWZR
RUPRUHERRNVDQGFRXUVHVDWWKHVDPHWLPH
360\QHZERRN'LQRVDXU'XPEEHOO7UDLQLQJ
LVFRPLQJVRRQ%HORRNLQJIRUWKHELJDQQRXQFHPHQW
367KRXJKWIRUWKH'D\6LPSOHZRUNV
%URRNV.XELN
3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVEDFNWRWKHEDVLFVEDVLFH[HUFLVHV
GLQRVDXUWUDLQLQJSURJUDPVGLYLGHGZRUNRXWVKRPHJ\PWUDLQLQJROGVFKRROWUDLQLQJ

SXVKSUHVVHV 
TXDOLW\WUDLQLQJ 
TXHVWLRQVDQGDQVZHUV 
TXHVWLRQVIRUGLQRV 
TXL]WLPH 
UHDOIRRG 
UHDOZRUOGWUDLQLQJ 
UHFRUGLQJ\RXUZRUNRXWV 
UHFRYHU\ 
UHJSDUN 
UHVWEHWZHHQVHWV 
UHVWEHWZHHQZRUNRXWV 

7KH)RUWXQH&RRNLH:RUNRXW

UHVWSDXVHWUDLQLQJ 

+DLOWRWKH'LQRVDXUV

V 

<HVWHUGD\,PHQWLRQHGVHHLQJ-RKQ'DYLV

WUDLQLQJSURJUDPIURP,VDZ
LWZKHQ,LQWHUYLHZHGKLVIRUPHUWUDLQLQJ
SDUWQHUZKLOH,ZDVZRUNLQJRQ%/$&.,521
7+(-2+1'$9,66725< :KLFKE\WKHZD\
LVDKHFNRIDJRRGERRNDQGRQHWKDW
EHORQJVRQHYHU\'LQR
VERRNVKHOI
-RKQ'DYLV
ZHHNSURJUDPZDVZULWWHQ
RQD[QRWHFDUG
,WILWSHUIHFWO\DOOZHHNVEHFDXVH
LWZDVVKRUWDQGVLPSOH

URZLQJ 
VDIHW\WLSV 
6DQGEDJ7UDLQLQJ 
VDUDKUREOHV 
VHFUHWZHDSRQ 
VHOIGHIHQVHWUDLQLQJ 
VHWVDQGUHSV 
VKRXOGHUKHDOWK 
VKRXOGHUWUDLQLQJ 
VLJNOHLQ 
VLPSOHF\FOLQJV\VWHPV 
VLQJOHUHSWUDLQLQJ 
VPDUWWUDLQLQJ 

$QGIRUWKHYHU\VDPHUHDVRQLWZRUNHG
:LWQHVV-RKQ'DYLV
VL[:RUOGFKDPSLRQVKLSV
KLVWZR2O\PSLFJROGPHGDOVDQGKLVORQJ
OLVWRI:RUOGDQG2O\PSLFUHFRUGV

VRUHQHVV 

,WKRXJKWWKDWZDVSUHWW\LQWHUHVWLQJVR
,VKDUHGLWZLWK\RXLQ\HVWHUGD\
VPHVVDJH

VSOLWVW\OHOLIWV 

VSHFLDOERQXVHV 
VSHHGWUDLQLQJ 
VSHHGZULWLQJFKDOOHQJHV 
VTXDWV 
VWDQGRQ\RXUIHHWVWUHQJWK 

$QGLQUHVSRQVH,UHFHLYHGDQHPDLOIURP
(ULFN%URZQDORQJWLPH'LQRZKRLVJHWWLQJ
JUHDWUHVXOWVIURPDSURJUDP\RXFDQZULWH
RQDIRUWXQHFRRNLHSDSHU

VWD\LQJDFWLYH 

7DONDERXWVKRUWDQGVLPSOH:RZ<RXFDQ
W
GREHWWHUWKDQWKDW

VWRQHOLIWLQJ 

+HUH
VZKDW(ULFNZURWH
%URRNV

VWHYHUHHYHV 
VWHYHVWDQNR 
VWLFNLQJSRLQWV 
VWUHQJWK 
VWUHQJWKDQGEXONWUDLQLQJ 
6WUHQJWKDQG+HDOWK 
VWUHQJWKDUFKLYH 
VWUHQJWKPXVFOHDQGSRZHU 

*RRGSRVW,
OOJRRQHEHWWHU+RZDERXWD
SURJUDP\RXFDQZULWHRQDIRUWXQHFRRNLH
SDSHU"

VWUHQJWKWUDLQLQJIRUDWKOHWHV 

0RQ/HJV6TXDW

VWUHQJWKWUDLQLQJIRUWHHQDJHUV 

VWUHQJWKWUDLQLQJIRUNLGV 
VWUHQJWKWUDLQLQJIRUPDUWLDODUWV 
VWUHQJWKWUDLQLQJIRUZUHVWOHUV 

:HG3UHVV<RXUFKRLFH
)UL3XOOV<RXUFKRLFH
(QMR\\RXUZULWLQJV

VWUHWFKLQJ 
VXFFHVVKDELW 
VXFFHVVVWRULHV 
VXSHUKXPDQUDGLR 
VXSHUKXPDQUDGLR 

(ULFN

VXSSOHPHQWV 
VZHDWVKLUWV 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

1RZWKDW
VDSUHWW\JRRGZRUNRXW7KDQNV
WR(ULFNIRUVKDULQJLW
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\,I\RXWUDLQWRGD\PDNHLWD
JRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN

WHQGRQDQGOLJDPHQWVWUHQJWK 
WKHEHVWH[HUFLVHV 
WKHGLQRVDXUGXQJHRQ 
WKHIDUPHU
VPDUNHW 
WKHJRRGEURWKHUV 
WKHKLVHVKUXJ 
WKHKLVHVTXDW 
WKHLURQOHDJXH 
WKHLURQZLOOWRVXFFHHG 

36(ULFN
VSURJUDPLVDJRRGRQHIRUROGHU
WUDLQHHVDQGWKHUHDUHPRUHWKDQRWKHU
SURJUDPV DQGWRQVRIUHODWHGWUDLQLQJ
DGYLFH IRUROGHUWUDLQHHVLQ*5$<+$,5
$1'%/$&.,521

WKHPDVNHGPDQ
VFKULVWPDV 

KWWSZZZEURRNVNXELNFRPJUD\KDLUBEODFNLURQKWPO

7KH8QOLIWDEOH'XPEEHOO 

36<RXFDQJUDEDFRS\RI%/$&.,5217+(
-2+1'$9,66725<ULJKWKHUH

WKRPDVLQFK 

KWWSZZZEURRNVNXELNFRPEODFNLURQBMRKQGDYLVKWPO
360\RWKHUERRNVDQGFRXUVHVDUHDYDLODEOH
DWWKHXVXDOSODFH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKHGD\6KRUWDQGVLPSOH
ZRUNV/RQJDQGFRPSOLFDWHGGRHVQ
W%URRNV.XELN

WKHQLJKWEHIRUHFKULVWPDV GLQR
YHUVLRQ  
WKHVWHHOWLS 
WKHVWURQJPDQ
VFKULVWPDV 
WKLFNEDUV 
WRPP\NRQR 
WRPP\NRQRNQHHEDQGV 
WRQ\WHUOD]]R 
WRSOLVWV 
WRWDOERG\ZRUNRXWV 
WUDLQLQJF\FOHV 
WUDLQLQJIRUROGHUOLIWHUV 
WUDLQLQJIRUVSRUWV 
WUDLQLQJIRUZRPHQ 
WUDLQLQJIUHTXHQF\ 
WUDLQLQJMRXUQDOV 
WUDLQLQJSURJUDPVIRUPDUWLDODUWLVWV 

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVEDFNWRWKHEDVLFVEDVLFH[HUFLVHV
GLQRVDXUWUDLQLQJSURJUDPVGLQRVDXUZRUNRXWVMRKQGDYLV

WUDLQLQJSURJUDPVIRUZRPHQ 

$*ROG0HGDO7UDLQLQJ6HFUHW

WUDSEDUWUDLQLQJ 

+DLOWRWKH'LQRVDXUV

WULDODQGHUURU 

2QHRIWKHSUREOHPVDERXWVWUHQJWK
WUDLQLQJSURJUDPVLVWKDWLW
V($6<
WRZULWHDSURJUDP
:KDW
VKDUGLVWUDLQLQJRQLW
DQGUHFRYHULQJIURPLW
$QGWKDW
VZKHUHPDQ\WUDLQHHV
JRZURQJ
7KH\VLWGRZQDQGWKH\VWDUWZULWLQJ
XSDSURJUDP
7KH\VWDUWZLWKVTXDWVEHFDXVH
HYHU\RQHNQRZVWKDWVTXDWVDUHJRRGIRU
\RX

WUDLQLQJSURJUDPVIRUZUHVWOHUV 
WUDLQLQJTXHVWLRQV 
WUDSEDUV 
WZLFHSHUZHHNZRUNRXWV 
XOWUDDEEUHYLDWHGWUDLQLQJ 
XQOLIWDEOHGXPEEHOO 
XSGDWHV 
YLQFHJLURQGD 
YLVXDOL]DWLRQ 
YLWDPLQV 
ZDONLQJ 
ZDUPXSVHWV 
ZDUPLQJXS 
ZHLJKWSURJUHVVLRQ 
ZHLJKWOLIWLQJDQGEORRGSUHVVXUH 
ZKDWPDNHVDGLQRVDXU" 
ZLOOZHLJKWWUDLQLQJNLOO\RX" 
ZLOOLDPERRQH 

7KHQWKH\DGGIURQWVTXDWVEHFDXVH
VRPHRQHVDLGWKDWWKRVHZHUHJRRGWRR

ZLOOSRZHU 

2YHUKHDGVTXDWVEHFDXVHWKH\ORRN
LPSUHVVLYHDQGWKH\EXLOGORWVRI
VWUHQJWKDQGWKH\ZDQWWRVWDUWGRLQJ
VRPH2O\PSLFOLIWLQJVRPHGD\

ZRUNDURXQGV 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV

ZRUGRIWKHGD\ 
ZRUNVHWV 
ZRUNRXWJHDU 
ZRUNRXWORJV 




'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

:RUNRXW5HSRUW 

$QGWKHUH
VDEORJSRVWVRPHRQHZURWH
DERXWRQHOHJJHGVTXDWVVRWKH\DGG
WKRVHLQDVZHOO

ZUHVWOLQJ 

1H[WWKH\LQFOXGHVRPH5RPDQLDQGHDGOLIWV
IRUWKHKDPVWULQJVDQGVRPHJRRGPRUQLQJV
EHFDXVHDJX\LQDIRUXPUHFRPPHQGHGWKHP

\RUNEDUEHOOFRPSDQ\ 

3OXVVRPHRQHOHJJHGGHDGOLIWVEHFDXVH\RX
JRWWDGRWKHXQLODWHUDOVWXII
$QGVRPHFDUSXVKLQJEHFDXVHWKH\GRVWXII
OLNHWKDWLQVWURQJPDQFRPSV
3OXVVRPHKLOOVSULQWVEHFDXVH\RXZDQW
WREHIDVW
4XDUWHUVTXDWVIRUWHQGRQDQGOLJDPHQW
VWUHQJWK
'HSWKMXPSVIRUVSHHGVWUHQJWKDQGH[SORVLYH
SRZHU

ZULVWH[HUFLVHV 
\RUNEDUEHOOFOXE 
\RUNWUDLQLQJFRXUVHV 
\RUNWUDLQLQJPHWKRGV 
%ORJ$UFKLYH
 
'HFHPEHU 
&RXOG<RX/LIW'DUWK9DGHU
V
'XPEEHOO"
$WWQ'LQRV,W
V7KDW7LPHRI<HDU
$JDLQ
*UHDW)HHGEDFNRQWKH'HFHPEHU
'LQRVDXU)LOHV
2OG6FKRRO7UDLQLQJZLWK5HJ3DUN
*UDE6RPH0DVVLYH0RWLYDWLRQIRU
6WUHQJWK0XVFOH

-XPSLQJXSRQWRDSODWIRUPWREXLOGHYHQ
PRUHH[SORVLYHSRZHU

5HWUR/LIWLQJDW'LQR+HDGTXDUWHUV

%UHDWKLQJVTXDWVEHFDXVHLWZRXOGEHSUHWW\
FRROWRJDLQSRXQGVRIPXVFOHLQVL[
ZHHNV

$WWHQWLRQ'LQRV<RX0D\KDYH
0LVVHG7KLV

.HWWOHEHOOVTXDWVEHFDXVHNHWWOHEHOOVDUH
IXQDQG\RXQHHGWRNHHS\RXUYROXPHXS
6RPHERG\ZHLJKWVTXDWVIRUKLJKUHSVRQ
WKHRIIGD\VIRUDFWLYHUHFRYHU\
3OXVVRPHMRJJLQJRQRIIGD\VEHFDXVH
0F&DOOXP
V8QFOH+DUU\ZHQWMRJJLQJDQG
%LSV\DQGWKHRWKHUJLUOVFKHHUHGIRUKLP
ZKHQKHUDQKLVODSVRQWKHWUDFN
3OXVDZKROHEXQFKRIGLIIHUHQWNLQGVRI
FDOIUDLVHVDQGVRPHLURQERRWH[HUFLVHV
DQGVRPHER[VTXDWVDQGVRPH]HUFKHUV
DQGWKLVIXQN\WKLQJVRPHJX\DWWKH
J\PZDVGRLQJWKDWKHVDLGKHOSHGKLP
SXWSRXQGVRQKLVVTXDWLQWKUHHGD\V
DQGH[WUDZRUNIRUWKHKDPVWULQJVDQG
ZDONLQJXSKLJKKLOOVZLWKDNQDSVDFN
RUDZHLJKWYHVWDQGZDONLQJDURXQG
ZLWKDKHDY\EDUEHOORQ\RXUVKRXOGHUV
DQGVRPHRWKHUVWXIIMXVWWREHVXUH\RX
GRQ
WPLVVDQ\WKLQJ
$QGWKDW
VMXVWWKHOHJZRUN
%\WKHWLPHWKH\
UHILQLVKHGZULWLQJXS
WKHLUSURJUDPLWUXQVVHYHUDOSDJHVDQG
LW
VDVFRPSOLFDWHGDVKHFNDQGLW
WDNHVDERXWKDOIDQKRXUWRUHDGWKH
ZKROHWKLQJ
7KHQWKH\JRRXWDQGWU\WKHSURJUDP
DQGLW
VOLNHUXQQLQJULJKWLQWRD
EULFNZDOO,QVWDQWKHDGDFKH$QG
WKH\GRQ
WJHWDQ\ZKHUH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV

6TXDWVIRU2OGHU'LQRV"

*RLQJ6WURQJ7KH'HFHPEHU
'LQRVDXU)LOHV
'LQRVDXU7UDLQLQJ6HFUHWV:LWK
,QVWDQW'HOLYHU\
7KH*RWWD'R,W$OO*X\
$WWHQWLRQ'LQRV:H1HHG)HHGEDFN
RQWKH'HFHPEH
$<RXQJ'LQR+LWVWKH*ROG0LQH
+RZWR7UDLQIRU/LIHORQJ6WUHQJWKDQG
+HDOWK
:LOO:HLJKW7UDLQLQJ.LOO<RX"
/DVW&DOOIRU'LQRVDXU7UDLQLQJ7
6KLUWV
'LQRVDXU7UDLQLQJ76KLUWV*HW
7KHP1RZ
)XOO&LUFOH$IWHU<HDUVRI,URQ
1RYHPEHU 
2FWREHU 
6HSWHPEHU 
$XJXVW 
-XO\ 
-XQH 
0D\ 
$SULO 
0DUFK 
)HEUXDU\ 
-DQXDU\ 
 




'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

 

7KDW
VEHFDXVH\RXFDQDOZD\VZULWHXS
DSURJUDPWKDWLVVLPSO\WRRORQJWRR
LQWHQVHDQGWRRGHPDQGLQJWRXVH
$QGWKDW
VH[DFWO\ZKDWPRVWSHRSOHGR

 
 
 

7KH%(67SURJUDPVDUHGLIIHUHQW
7KH\
UHVKRUWVZHHWDQGVLPSOH
,RQFHLQWHUYLHZHGWKHWUDLQLQJSDUWQHU
RI:RUOGDQG2O\PSLF&KDPSLRQ-RKQ'DYLV
+HVKRZHGPH-RKQ'DYLV
DFWXDOWUDLQLQJ
SURJUDPIRUDQG
,WZDVDQHLJKWZHHNSURJUDP
,WILWRQD[QRWHFDUG
7KDW
VULJKWWKHVWURQJHVWPDQRIKLV
HUDDQGWKHJUHDWHVWZHLJKWOLIWHURIKLV
HUDXVHGDSURJUDPVRVKRUWVLPSOHDQG
EDVLFWKDW\RXFRXOGZULWHGRZQDQZHHN
SURJUDPRQD[QRWHFDUG
$QGIUDQNO\WKDWZDVRQHRIWKHVHFUHWV
RIKLVVXFFHVV+HNQHZWKDWWKHEHVW
SURJUDPVDUHVKRUWVLPSOHDQGEDVLF
EHFDXVHWKH\DOORZ\RXWRIRFXVDOO
\RXUHIIRUWRQWKHH[HUFLVHVWKDWUHDOO\
FRXQW
$QGWKDWP\IULHQGLVDJROGPHGDOWUDLQLQJ
VHFUHWIURPDWZRWLPH2O\PSLF&KDPSLRQ
DQGVL[WLPH:RUOG&KDPSLRQ
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYH
DJUHDWGD\,I\RXWUDLQWRGD\PDNHLW
DJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36,LQFOXGHG-RKQ'DYLV
DFWXDOWUDLQLQJ
SURJUDP ZKLFKZDVSUHYLRXVO\XQSXEOLVKHG
LQ%/$&.,5217+(-2+1'$9,66725<<RXFDQ
JUDEDFRS\ULJKWKHUH
KWWSZZZEURRNVNXELNFRPEODFNLURQBMRKQGDYLVKWPO
367KHEHVWWUDLQLQJSURJUDPVDUHVKRUW
VLPSOHDQGEDVLF,OLNHDEEUHYLDWHGDQGXOWUD
DEEUHYLDWHGZRUNRXWV/HDUQDOODERXWWKHPLQ
'LQRVDXU7UDLQLQJ*UD\+DLUDQG%ODFN,URQ
&KDONDQG6ZHDWDQG6WUHQJWK0XVFOHDQG
3RZHURULQP\YDULRXVWUDLQLQJFRXUVHV
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
36<RXDOVRFDQXVHDEEUHYLDWHGZRUNRXWV
ZLWKERG\ZHLJKWH[HUFLVHV6HH'LQRVDXU%RG\ZHLJKW
7UDLQLQJIRUGHWDLOV
KWWSZZZEURRNVNXELNFRPGLQRVDXUBERG\ZHLJKWKWPO
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

367KRXJKWIRUWKH'D\$Q\IRROFDQZULWH
DWUDLQLQJSURJUDPWKDWZRXOGFULSSOHDQ\RQHZKR
WULHGLW$QGIDUWRRPDQ\WUDLQHHVZRXOG
JLYHLWDWU\DQGWKDW
VDVKDPH
%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVEODFNLURQWKHMRKQGDYLVVWRU\
EXLOGLQJVWUHQJWKDQGPXVFOHGLQRVDXUWUDLQLQJSURJUDPVGLQRVDXUZRUNRXWVGLYLGHG
ZRUNRXWVMRKQGDYLV

$'LQRVDXU7UDLQLQJ3URJUDPIRU*UHDW*DLQV
+DLOWRWKH'LQRVDXUV
2QHRIP\UHDGHUVZDQWHGVRPHWLSVRQ
VWDUWLQJD[SURJUDPZLWKDWZR
ZD\GLYLGHGZRUNRXW
+H
VLQKLVODWHWZHQWLHVDQGZDQWV
WREXLOGKLVSURJUDPDURXQGWKHEDVLF
FRPSRXQGH[HUFLVHVWKDW'LQRVNQRZDQG
ORYH
6RKHUH
VZKDWKHQHHGVWRGR
7UDLQWKUHHWLPHVSHUZHHN0:)RU
77K6DW,I\RXSUHIHUWZLFHDZHHN
ZLOOZRUNILQH
8VHWZRZRUNRXWV:RUNRXW$DQG
:RUNRXW% 6HHEHORZIRUWKHZRUNRXWV
$OWHUQDWHEDFNDQGIRUWKIURPZRUNRXW
WRZRUNRXW
)RUWKHILUVWPRQWKGRWZRWRIRXU
SURJUHVVLYHO\KHDYLHUZDUPXSVHWVRQ
HDFKH[HUFLVHVIROORZHGE\[
ZRUNLQJVHWV
1RWH<HV,NQRZWKLVPHDQV\RXPD\
EHGRLQJ[RU[EXWWKDW
V
ILQH'RQ
WJHWKXQJXSRQ[7DNH
\RXUWLPHDQGGRWKHZDUPXSVHWVDQG
ZRUNXSWRWKH[7KHLPSRUWDQW
SDUWRIWKHZRUNRXWLVWKH[VR
GRZKDWHYHUQHHGVWREHGRQHWREH
UHDG\IRUWKRVHVHWV
)RUWKHVHFRQGPRQWKGRWKHVDPH
SURJUHVVLYHO\KHDYLHUZDUPXSVHWV
IROORZHGE\[ZRUNLQJVHWV
1RWH<RXUZRUNLQJVHWVZLOOEHKHDYLHU
QRZVRIHHOIUHHWRGRDQDGGLWLRQDO
ZDUPXSVHW
)RUWKHWKLUGPRQWKGRWKHVDPH
SURJUHVVLYHO\KHDYLHUZDUPXSVHWV
IROORZHGE\[ZRUNLQJVHWV
1RWH$JDLQZLWKKHDYLHUZRUNVHWV
\RXPD\ZDQWWRDGGDZDUPXSVHW
+HUHDUHWKHZRUNRXWV
:RUNRXW$
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

6TXDWVRUIURQWVTXDWV
%HQFKSUHVVRUGXPEEHOOLQFOLQHSUHVV
RUGXPEEHOOEHQFKSUHVV
3XOOXSVRUEDUEHOOEHQWRYHUURZLQJ
RURQHDUPGXPEEHOOURZLQJ
*XWJULSDQGQHFNZRUNIRUDFRXSOH
RIVHWVHDFK
:RUNRXW%
%HQWOHJJHGGHDGOLIWZLWKEDUEHOORU
7UDS%DU
0LOLWDU\SUHVVSXVKSUHVVRUGXPEEHOO
SUHVV
%DUEHOORUGXPEEHOOFXUOV
2SWLRQDOFORVHJULSEHQFKSUHVV
*XWJULSDQGQHFNZRUNVDPHDVLQ
:RUNRXW$
6LQFHRXUOLIWHULVQHZWR[KHVKRXOG
VWDUWOLJKWDQGDGGZHLJKWLQDSURJUHVVLYH
IDVKLRQ:LWKWKHULJKWZHLJKWVHOHFWLRQDQG
LQWHOOLJHQW EUDLQGULYHQUDWKHUWKDQHJR
GULYHQ ZHLJKWLQFUHDVHVKHVKRXOGQRWPLVV
DVLQJOHUHSGXULQJWKHILUVWPRQWKRIWKH
SURJUDPRUSHUKDSVRYHUWKHHQWLUHWKUHH
PRQWKSURJUDP
,QWHQVHFRQFHQWUDWLRQDQGPHQWDOIRFXVZLOO
GRXEOH\RXUUHVXOWVRQWKLVSURJUDPVHH
'LQRVDXU7UDLQLQJDQG'LQRVDXU%RG\ZHLJKW
7UDLQLQJIRUGHWDLOVDERXWWKHDOOLPSRUWDQW
PHQWDODVSHFWVRIVWUHQJWKWUDLQLQJ
8VHWKHYLVXDOL]DWLRQWHFKQLTXHVGHVFULEHG
LQ'LQRVDXU7UDLQLQJDQG'LQRVDXU%RG\ZHLJKW
7UDLQLQJDVZHOO7KH\PDNHDQLQFUHGLEOH
GLIIHUHQFH
.HHS\RXUPLQGILOOHGZLWKSRVLWLYHHQHUJ\
5HDGHYHU\WKLQJ\RXFDQILQGDERXWWKHROGWLPH
GUXJIUHHFKDPSLRQV0\/HJDF\RI,URQERRNV
P\+LVWRU\
V6WURQJHVW0HQ7UDLQLQJ&RXUVHV
DQGP\KXJHDOPRVWSDJHELRJUDSK\RI
:RUOGDQG2O\PSLF&KDPSLRQ-RKQ'DYLVZLOOGR
WKHWULFNSUHWW\GDUQZHOO<RXZDQWWRLPPHUVH
\RXUVHOILQDZRUOGZKHUHPHQGDUHWRGUHDP
JUHDWGUHDPVDQGWKHQJRRXWDQGDFKLHYH
WKHP
2ND\GHHSEUHDWK7KDW
VDKHFNRIDORWRI
LQIRUPDWLRQ*REDFNDQGUHDGLWDJDLQRU
UHDGLWODWHU3RLQWVDQGDUH
SDUWLFXODUO\LPSRUWDQW
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDW
GD\,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

%URRNV.XELN
36'LQRVDXU7UDLQLQJDQG'LQRVDXU%RG\ZHLJKW
7UDLQLQJDUHULJKWKHUH
KWWSZZZEURRNVNXELNFRPGLQRVDXUBWUDLQLQJKWPO
KWWSZZZEURRNVNXELNFRPGLQRVDXUBERG\ZHLJKWKWPO
369ROXPHVRQHDQGWZRRI+LVWRU\
V6WURQJHVW
0HQDQG+RZ7KH\7UDLQHGDUHKHUH
KWWSZZZEURRNVNXELNFRPGRXJBKHSEXUQKWPO
KWWSEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO

360\/HJDF\RI,URQERRNVDUHKHUH
KWWSZZZEURRNVNXELNFRPOHJDF\BRIBLURQKWPO
KWWSZZZEURRNVNXELNFRPFORXGVBRIBZDUKWPO
KWWSZZZEURRNVNXELNFRPSRXQGBWRWDOKWPO
KWWSZZZEURRNVNXELNFRPOHJDF\BRIBLURQKWPO
KWWSZZZEURRNVNXELNFRPEDUEHOOVBSDFLILFKWPO
36%ODFN,URQ7KH-RKQ'DYLV6WRU\LVULJKW
KHUHDQGLWZHLJKVLQDWFORVHWRSDJHV
RIXQEHOLHYDEOHOLIWLQJE\RQHRIWKHJUHDWHVW
FKDPSLRQVZKRHYHUOLYHG
KWWSZZZEURRNVNXELNFRPEODFNLURQBMRKQGDYLVKWPO
367KRXJKWIRUWKH'D\7UDLQ\RXUPLQGWKH
VDPHZD\\RXWUDLQ\RXUERG\<RXKDYHWRGRERWK
%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOV[WUDLQLQJDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVFKDPSLRQVKLSWKLQNLQJ
GLQRVDXUPLQGSRZHUGLQRVDXUWUDLQLQJSURJUDPVGLQRVDXUZRUNRXWVGLYLGHGZRUNRXWV
PHQWDODVSHFWV

6LWWLQJ+HUH6KDNLQJP\+HDG
+DLOWRWKH'LQRVDXUV
,
PVLWWLQJKHUHVKDNLQJP\KHDGDV,
W\SHWKLV
,
PORRNLQJDWDWUDLQLQJSURJUDPWKDW
DSSHDUHGLQDQROGPDJD]LQHEDFNLQ
WKH
V,WZDVZULWWHQE\DWRS
ERG\EXLOGHU
)RUWKHOHJVWZRVHWVRIOHJSUHVVHV
DQGWKUHHVHWVRIFDOIUDLVHV1RWKLQJ
HOVH1RVTXDWV1RIURQWVTXDWV
)RUWKHEDFNRQHDUPGXPEEHOOURZLQJ
DQGVKRXOGHUVKUXJV1RGHDGOLIWV1R
SRZHUFOHDQV1RSRZHUVQDWFKHV1RWKLQJ
DWDOOIRUWKHORZHUEDFNPXVFOHV
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

7ZLFHDVPXFKXSSHUDUPZRUNDVOHJ
WUDLQLQJ
:RZ
$QGPLQG\RXWKLVZRUNRXWFDPHIRUPRQH
RIWKH*22'PDJD]LQHVQRWRQHRIWKH
JRRIEDOOPDJD]LQHVIRUPXVFOHSXPSHUV
,I,ZHUHDGYLVLQJDEHJLQQHURUDQ\RQH
HOVHDERXWKLVWUDLQLQJ,
GVXJJHVWD
VOLJKWO\GLIIHUHQWDSSURDFK
'RVTXDWV
,I\RXGRQ
WGRVTXDWVGRIURQWVTXDWV
'RGHDGOLIWV
,I\RXGRQ
WGRGHDGOLIWVGRSRZHU
FOHDQVKLJKSXOOVRUSRZHUVQDWFKHV,I
\RXSUHIHUWRXVHGXPEEHOOVWU\WKHH[HUFLVHV
RQP\'XPEEHOO7UDLQLQJ'9'WKH\
OOZRUNWKH
KHFNRXWRI\RXUORZHUEDFN
KWWSEURRNVNXELNFRPGLQRVDXUBGYGVKWPO
6SHFLDOL]HRQ\RXUOHJVDQGORZHUEDFN127
RQ\RXUXSSHUERG\
5HPHPEHUOHJDQGEDFNWUDLQLQJLVZKDW
WULJJHUVELJJDLQVWKURXJKRXWWKHHQWLUH
ERG\7RVXFFHHG\RX0867GRSOHQW\RIOHJ
DQGEDFNWUDLQLQJDQGRYHUWLPH\RXQHHG
WRZRUNXSWRKHDY\ZHLJKWVLQ\RXUOHJDQG
EDFNH[HUFLVHV7KHUH
VQRRWKHUZD\WRGRLW
$QGWKDW
VZK\,
PVFUDWFKLQJP\KHDG7ZR
VHWVRIOHJSUHVVHV"1RGHDGOLIWV"1RORZHU
EDFNWUDLQLQJ"6RUU\EXWWKLVZRUNRXWJHWV
WZRWKXPEVGRZQIURP'LQR+HDGTXDUWHUV
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\,I\RXWUDLQWRGD\PDNHLWD
JRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36)RUVRPHZRUNRXWVWKDWLQFOXGHSOHQW\
RIOHJDQGEDFNWUDLQLQJJUDEDFRS\RI
'LQRVDXU7UDLQLQJ&KDONDQG6ZHDWRU
6WUHQJWK0XVFOHDQG3RZHUDQGWDNH
DVWHSRQWKHURDGWR%,**$,16
KWWSZZZEURRNVNXELNFRPGLQRVDXUBWUDLQLQJKWPO
KWWSZZZEURRNVNXELNFRPFKDONBDQGBVZHDWKWPO
KWWSZZZEURRNVNXELNFRPVWUHQJWKBPXVFOHBSRZHUKWPO
367RVHHP\RWKHUERRNVDQGFRXUVHVDQG
P\'LQRVDXU7UDLQLQJ'9'
VJRKHUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

367KRXJKWIRUWKHGD\:KDWHYHUWKHTXHVWLRQ
OHJDQGEDFNWUDLQLQJLVWKHDQVZHU%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVFKDONDQGVZHDWGLQRVDXUGYG
VGLQRVDXUH[HUFLVHVGLQRVDXUWUDLQLQJSURJUDPV
GLQRVDXUZRUNRXWVOHJVSHFLDOL]DWLRQVWUHQJWKDQGEXONWUDLQLQJ

7KH([HUFLVH3ROLFH+DWH7KLV:RUNRXW
+DLOWRWKH'LQRVDXUV
3HWHU<DWHVLVD\HDUROG'LQRVDXU
OLIHORQJOLIWHUDQGPDUWLDODUWLVW
DQGIUHTXHQWFRQWULEXWRUWRWKH'LQR
)LOHVQHZVOHWWHU$VDQROGHU'LQR
3HWHU
VEHHQDGGLQJVRPHRIWKHWKLQJV
WKDWPDNHDGLIIHUHQFHIRUWKHJX\VSDVW
WKHKDOIFHQWXU\PDUNLQFOXGLQJ7RPP\
.RQRNQHHZUDSVWKH'DYH'UDSHU7RS
6TXDW-RKQ:RRG
V,QGLDQ&OXEVIRUWKH
VKRXOGHUVORWVRIDWWHQWLRQWRZDUPXSV
DVXSHUQXWULWLRXVGLHWDQG WKHPRVW
LPSRUWDQWRIDOO 60$57WUDLQLQJ
2YHUWKHSDVW\HDU3HWHU
VEHHQIROORZLQJ
RQHRIWKHSURJUDPVIURP&+$/.$1'6:($7
DQGKH
VEHHQPDNLQJUHJXODUDQGVWHDG\
SURJUHVVDVKHZRUNVWRZDUG[LQ
WKHVTXDW
+HMXVWVHQWPHDZRUNRXWUHSRUWWKDW
ZDVVRJUHDW,MXVWKDGWRVKDUHLW
ZLWK\RXEXWEHZDUQHGWKH([HUFLVH
3ROLFHZRQ
WOLNHWKLVRQH<RXPD\HYHQ
HQGXSRQWKH/LVWMXVWIRUUHDGLQJ
DERXWLW
+L%URRNV
+DGDJUHDWZRUNRXW\HVWHUGD\:DVZRUULHG
LQFDVHWKH([HUFLVH3ROLFHZHUHVQRRSLQJ
DURXQGDQGFDXJKWPHGRLQJ
GDQJHURXV

H[HUFLVHVVXFKDVIURQWVTXDWSXVKSUHVV
RIIUDFNVKLJKSXOOVDQGGXPEEHOOVQDWFK
:RUNHGP\FRUHSUHWW\JRRGVR,RPLWWHG
WKH
VDIH
DEGRPLQDOFUXQFKHV
,QWHUHVWLQJWKLQJDERXWKHDY\FRPSRXQGV
FUHDWLQJDQHHGIRUPRUHQXWULWLRQ8VXDOO\
WKHGD\RIDQGWKHGD\DIWHUDZRUNRXW,DP
UDYHQRXVDQGFDQSXWDZD\H[WUDIRRGZLWKQR
HIIRUW7KHQP\DSSHWLWHJRHVEDFNWRQRUPDO
XQWLODIWHUWKHQH[WZRUNRXW$JRRGH[DPSOH
RIWKHERG\QDWXUDOO\ILOOLQJDGHPDQG
$Q\KRZ,DPFRQWLQXLQJWRJDLQVWUHQJWK
VORZO\DQGVWHDGLO\0D\QHYHUJHWEDFN
WRZKHUH,RQFHZDVEXW,DPYHU\KDSS\
WRKDYHPDGHWKHSURJUHVV,KDYH
3HWHU
+HUH
VP\UHVSRQVH
3HWHU
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

7KDW
VDQRWKHUJUHDWZRUNRXWIRU\RXDQG
\HV\RX
UHJRLQJWRKDYHWRZDWFKRXWIRU
WKH([HUFLVH3ROLFH7KH\GRQ
WOLNHWKH
VWDQGRQ\RXUIHHWDQGWUDLQVWXIIDQG
WKH\VXUHDVKHFNGRQ
WOLNHKHDY\FRPSRXQG
H[HUFLVHVZLWKEDUEHOOVDQGGXPEEHOOV
$QG\HV,EHW\RX','JHWDKHFNRID
FRUHZRUNRXWZLWKRXWGRLQJEXQQ\FUXQFKHV
7KRVHKHDY\FRPSRXQGH[HUFLVHVZRUNWKHKHFN
RXWRI\RXUPLGVHFWLRQ7KDW
VRQHRIWKH
UHDVRQVWKHROGWLPHVWURQJPHQKDGVXFK
JUHDWGHYHORSPHQWLQWKHDEGRPLQDOVDQG
REOLTXHV
,QIDFWWKH\XVHGWRZULWHDUWLFOHVDQG
FRXUVHVZKHUHH[HUFLVHVOLNHRQHDUP
PLOLWDU\SUHVVHVIURQWVTXDWVDQGRQH
KDQGVQDWFKHVZHUHXVHGWREXLOGWKH
PXVFOHVRIWKHPLGVHFWLRQ
2QWKHGLHWDQGQXWULWLRQIURQW,H[SHFW
\RX
OOEHSOHQW\KXQJU\WRGD\,UHFRPPHQG
DJULOOHGVWHDNDQGDELJVDODGORDGHGZLWK
IUHVKJUHHQV7KH)RRG3ROLFHZRQ
WOLNH
WKDWYHU\PXFKEXWZKDWWKHKHFN\RX
UH
DOUHDG\RQWKH/LVW
$QG\HVLI\RX
YHUHDGWKLVPHVVDJHWKHQ
\RXWRRDUH217+(/,676RZDWFKRXWIRU
WKH([HUFLVH&RSV<RXPD\ZDQWWRGRDFRXSOH
RITXLFNVHWVZLWKWZRSRXQGSXUSOHGXPEEHOOV
WRWKURZWKHPRIIWKHWUDLO
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\DQGLI\RXWUDLQWRGD\PDNHLW
DJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
363HWHUKDVKDGJUHDWVXFFHVVZLWKWKHOHJ
DQGEDFNZRUNRXWVLQ&+$/.$1'6:($7DQGZLWK
WKHZRUNRXWVDQGWUDLQLQJWLSVLQ*5$<+$,5$1'
%/$&.,521+HVD\VWKH\
UHPDQGDWRU\UHDGLQJ
IRUROGHUOLIWHUVDQG,DJUHH<RXFDQILQG
WKHPULJKWKHUH
KWWSZZZEURRNVNXELNFRPFKDONBDQGBVZHDWKWPO
KWWSZZZEURRNVNXELNFRPJUD\KDLUBEODFNLURQKWPO
360\RWKHUERRNVDQGFRXUVHVDUHULJKWKHUH

KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\<RX
UHQHYHUWRRROG
WRVWDUWEXW\RX
UHDOUHDG\WRRROGWRVWRS
%URRNV.XELN
3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGZRUNRXWVFKDONDQGVZHDWGLQRVDXUH[HUFLVHVGLQRVDXUWUDLQLQJ
SURJUDPVGLQRVDXUZRUNRXWVJUD\KDLUDQGEODFNLURQUHDOZRUOGWUDLQLQJWUDLQLQJIRU
ROGHUOLIWHUV

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

7KRURXJKEUHG/HJVDQG*RULOOD0XVFOH0DVV
+DLOWRWKH'LQRVDXUV
$FRXSOHRIGD\VDJRP\VWHSGDXJKWHUPHWWKH
JUHDWHVWDWKOHWHLQWKHZRUOGLPPHGLDWHO\DIWHU
KLVJUHDWHVWYLFWRU\
6KHHYHQKDGKHUSKRWRWDNHQULJKWQH[WWRKLP
KHZDVVWLOOEUHDWKLQJKDUGDQGWKHVZHDWZDV
VWLOOGULSSLQJ
,WZDVDWWKH.HQWXFN\'HUE\DQGWKHDWKOHWH
LQTXHVWLRQZDVWKH.HQWXFN\'HUE\ZLQQHU
0\VWHSGDXJKWHUKDGEHHQLQYLWHGWRWKH'HUE\
E\DIULHQGZKRKDGWZREDFNVLGHSDVVHV%DFNVLGH
LVWKHEHVWSODFHWREHDWWKH'HUE\,W
VZKHUH
WKHKRUVHVDQGMRFNH\VDQGWUDLQHUVDUH<RXFDQ
VHHDOOWKHILQDOSUHSDUDWLRQVIRUWKHUDFHZDWFK
WKHUDFHDQGWKHQVHHHYHU\WKLQJWKDWKDSSHQV
DIWHUWKHUDFH
$QGLI\RX
UHOXFN\\RXMXVWPLJKWJHW\RXU
SKRWRWDNHQZLWKWKH'HUE\ZLQQHU
,WUHPLQGHGPHRIDIDPRXVERG\EXLOGHUZKRZDVDW
WKHWRSRIWKHKHDSZKHQ,ZDVDNLG+HDFWXDOO\
FDPHWRWRZQRQFH ,OLYHGLQ'D\WRQ2KLRWKHQ 
DQGDUHSRUWHUIURPWKHORFDOQHZVSDSHUZHQWRXW
WRLQWHUYLHZKLP
7KHERG\EXLOGHUKDGMXVWILQLVKHGKLVZRUNRXWDQG
ZDVZHDULQJJ\PVKRUWVDQGDWDQNWRSDQGKHZDV
EUHDWKLQJKDUGDQGGULSSLQJVZHDW+HZDVELJJHU
WKDQDKRXVH
$QGUHPHPEHUWKLVZDVEDFNLQWKHGD\ZKHQPRVW
SHRSOHKDGQHYHUVHHQDSKRWRRIDQDGYDQFHG
ERG\EXLOGHUPXFKOHVVHYHUPHWDWRSFKDPSLRQ
LQSHUVRQ6RLWZDVDELWRIDVKRFN
7KHUHSRUWHUWRRNRQHORRNDQGKLVH\HVSRSSHGRXW
RIKLVKHDGDQGIHOORQWRWKHIORRUERXQFHGVHYHUDO
WLPHVDQGUROOHGDFURVVWKHURRP
7KHUHSRUWHUZHQWEDFNWRWKHQHZVSDSHURIILFH
VDWGRZQDQGZURWHDQDUWLFOHZKHUHKHGHVFULEHG
WKHERG\EXLOGHUDVKDYLQJOHJVOLNHD.HQWXFN\
WKRURXJKEUHG
/HJVOLNHWKDWWDNHDORWRIZRUNWRGHYHORS%XW
WKHUHZDUGVDUHHQRUPRXV+HDY\OHJZRUNVWLPXODWHV
JDLQVLQVWUHQJWKDQGPXVFOHPDVVWKURXJKRXW\RXU
HQWLUHERG\
'R\RXZDQWWRJDLQPDQ\SRXQGVRIPXVFXODU
ERG\ZHLJKWZLWKVWUHQJWKDQGSRZHUWRPDWFK"
+HDY\OHJWUDLQLQJLVWKHZD\WRGRLW
%XLOGWKRURXJKEUHGOHJVDQG\RX
OOGHYHORSJRULOOD
VL]HPXVFOHPDVVIURPKHDGWRWRHJXDUDQWHHG
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDW
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

GD\,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
DQGZRUNWKRVHOHJV
<RXUVLQVWUHQJWK
%URRNV.XELN
36,FRYHUOHJVSHFLDOL]DWLRQSURJUDPVLQGHWDLO
LQ&+$/.$1'6:($77KHUHDUHWHQGLIIHUHQWOHJ
VSHFLDOL]DWLRQSURJUDPVDQGIRUW\RWKHU
KDUGKLWWLQJ'LQRVW\OHZRUNRXWVWRKHOS
\RXEXLOGPD[LPXPVWUHQJWKDQGPXVFOHPDVV
,WFDQWDNH\RXWRWKHQH[WOHYHOIDVW
DQG\RXFDQJUDEDFRS\ULJKWKHUH
KWWSZZZEURRNVNXELNFRPFKDONBDQGBVZHDWKWPO
360\RWKHUERRNVDQGFRXUVHVDUHULJKWKHUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\7UDLQULJKWHDW
ULJKWDQGJURZ%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVEXLOGLQJVWUHQJWKDQGPXVFOHFKDONDQGVZHDWGLQRVDXUWUDLQLQJSURJUDPV
GLQRVDXUZRUNRXWVJDLQLQJZHLJKWOHJVSHFLDOL]DWLRQROGVFKRROWUDLQLQJSURJUDPV
VWUHQJWKDQGEXONWUDLQLQJ

+RZ0DQ\7LPHV3HU:HHN6KRXOG<RX7UDLQ"
+DLOWRWKH'LQRVDXUV
6HYHUDOUHDGHUVKDYHDVNHGDERXWWZRWLPHVSHU
ZHHNWUDLQLQJYHUVXVWKUHHWLPHSHUZHHN
WUDLQLQJ
:KLFKLVEHWWHU"WKH\DVN
:HOOOLNHPRVWWKLQJVLQWKH,URQ*DPHLW
GHSHQGV
,WGHSHQGVRQ\RXUDJHRQKRZIDVW\RX
UHFRYHUIURPDZRUNRXWRQKRZKHDY\\RX
WUDLQRQWKHH[HUFLVHV\RXGRDQGRQ
KRZGHPDQGLQJ\RXUMRELVDQGRQKRZPXFK
RWKHUVWUHVV\RXKDYHLQ\RXUOLIH$QGLW
DOVRGHSHQGVRQZKHWKHU\RXXVHWRWDOERG\
ZRUNRXWVRUGLYLGHGZRUNRXWVDQGRQ
ZKHWKHU\RXXVHWKH/LJKW0HGLXPDQG+HDY\
V\VWHPRUVRPHRWKHUV\VWHPWKDWOHWV\RX
DOWHUQDWHKHDY\VHVVLRQVZLWKZRUNRXWVWKDW
DUHQRWDVKHDY\
%XWKHUHDUHVRPHJHQHUDOJXLGHOLQHV
0RVWEHJLQQHUVZLOOGRILQHRQWKUHHWLPHV
SHUZHHNWRWDOERG\WUDLQLQJ
2OGHUEHJLQQHUVPD\GREHWWHURQWZRWRWDO
ERG\ZRUNRXWVSHUZHHNRUPD\GREHWWHURQ
WZRGLYLGHGZRUNRXWVSHUZHHN
$7KHNH\IRUROGHUOLIWHUVLVUHFRYHU\DQG
UHFXSHUDWLRQ
,I\RXUMRELVVXSHUGHPDQGLQJRU\RXDUH
XQGHUORWVRIVWUHVVIRUDQ\UHDVRQWZR
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

ZRUNRXWVSHUZHHNPD\EHEHVW2U\RXPD\GR
WZRVWUHQJWKWUDLQLQJZRUNRXWVDQGVRPHHDV\
FDUGLRWUDLQLQJRQRQHWZRRUWKUHHRWKHU
GD\VRIWKHZHHN
$6RPHWLPHVLWZRUNVZHOOWRGRERG\ZHLJKW
ZRUNRXWVGXULQJWKHZRUNZHHN WZRRUWKUHH
GD\V DQGKLWWKHLURQRQ6DWRU6XQZKHQ\RX
KDYHPRUHWLPHDQGHQHUJ\6HH'LQRVDXU
%RG\ZHLJKW7UDLQLQJIRUVRPHJUHDWERG\ZHLJKW
ZRUNRXWV
KWWSZZZEURRNVNXELNFRPGLQRVDXUBERG\ZHLJKWKWPO
,I\RXGRWRWDOERG\ZRUNRXWVDQG\RX
UH
DQLQWHUPHGLDWHRUDGYDQFHGWUDLQHHLW
V
JRLQJWREHWRXJKWRGRWKUHHKHDY\VHVVLRQV
SHUZHHN6RWU\WKH/LJKW0HGLXPDQG+HDY\
V\VWHP
$1RWHWKDW\RXFDQXVHWKH/LJKW0HGLXP
DQG+HDY\V\VWHPZLWKWZRZRUNRXWVSHUZHHN
,I\RXXVHGLYLGHGZRUNRXWVWU\WKUHH
VHVVLRQVSHUZHHNDQGLI\RXPDNHJRRG
SURJUHVVVWLFNWRLW,I\RXUJDLQVVORZ
GRZQWU\WZRWLPHVSHUZHHN
$WVRPHSRLQWSHUKDSVLQ\RXUILIWLHV
WZRVWUHQJWKWUDLQLQJZRUNRXWVSHUZHHNPLJKW
ZRUNEHWWHUWKDQWKUHHUHJDUGOHVVRIKRZ
\RXWUDLQDQGUHJDUGOHVVRIZKHWKHU\RXXVH
WRWDOERG\ZRUNRXWVRUGLYLGHGZRUNRXWV
1RWHWKDW\RXFDQDOZD\VWUDLQWKUHHWLPHV
RQHZHHNDQGWZRWLPHVWKHQH[W
$<RXFDQHYHQFUHDWHILYHGLIIHUHQWZRUNRXWV
DQGXVHWKHPRYHUDWZRZHHNSHULRG7KUHH
GLIIHUHQWZRUNRXWVLQZHHNRQHDQGWZR
GLIIHUHQWZRUNRXWVLQZHHNWZRDQGWKHQ
UHSHDW
$V,VDLGWKHVHDUHVRPHJHQHUDOJXLGHOLQHV
<RXUMREDVDOZD\VLVWRILQHWXQHWKHPWR
ZRUNEHVWIRU<28%XWLQGRLQJVRDOZD\V
UHPHPEHUWKDWLWLVXVXDOO\EHWWHUWRGR/(66
WUDLQLQJWKDQWRGRPRUHWUDLQLQJ,ILQGRXEW
WU\GRLQJ/(66QRWPRUH
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDW
GD\,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
360\QHZ-RKQ*ULPHNWUDLQLQJFRXUVHLVJHWWLQJ
UDYHUHYLHZV<RXFDQRUGHU\RXUFRS\ULJKWKHUH
KWWSEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO
360\RWKHUERRNVDQGFRXUVHVDQGP\
'LQRVDXUWUDLQLQJ'9'
VDUHULJKWKHUHDW
'LQRVDXU+HDGTXDUWHUV
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

367KRXJKWIRUWKH'D\,ILQGRXEWWU\
GRLQJOHVVH[HUFLVHUDWKHUWKDQPRUH,IOHVV
ZRUNVZHOOIRU\RXZK\GRPRUHWKDQ\RXQHHG"
%URRNV.XELN
3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVERG\ZHLJKWWUDLQLQJGLQRVDXU
ERG\ZHLJKWWUDLQLQJGLQRVDXUWUDLQLQJSURJUDPVGLYLGHGZRUNRXWVWUDLQLQJIRUROGHU
OLIWHUV

$QRWKHU1R([FXVHV:RUNRXW
+DLOWRWKH'LQRVDXUV
:HJRWDORWRIJUHDWIHHGEDFNLQUHVSRQVH
WR\HVWHUGD\
VVXSHUVKRUWZRUNRXWIRUDQ\RQH
ZLWKOLPLWHGWLPHWRWUDLQ
6RKHUH
VDQRWKHUZRUNRXWWRXVHZKHQ\RX
GRQ
WKDYHPXFKWLPHIRUKLWWLQJWKHLURQ
<RXFDQXVHEDUEHOOVGXPEEHOOVRUNHWWOHEHOOV
IRUWKLVRQH
6WDUWOLJKWDQGGRDTXLFNZDUPXSVHWRI
WKHFOHDQDQGSUHVV7HQRUWZHOYHUHSV
1RZGRILYHRUVL[SURJUHVVLYHO\KHDYLHU
VHWVRIILYHRUVL[UHSVLQWKHFOHDQDQG
SUHVV
,I\RXZDQWWRJRKHDYLHU\RXFDQGURSWKH
UHSVDV\RXDGGZHLJKWZRXOGZRUN
ZHOORU\RXFRXOGGR[[[
DQG[
)RUPRUHRIDFDUGLRZRUNRXWNHHSWKHUHSVWR
ILYHRUVL[SHUVHWDQGNHHSWKHUHVWEHWZHHQ
VHWVIDLUO\VKRUW7LPH\RXUVHOIDQGVWDUWZLWK
DWZRPLQXWHUHVWEHWZHHQVHWVDWILUVWDQG
JUDGXDOO\ZRUNGRZQWRDRQHPLQXWHUHVW
,ZRXOG127WU\WRGRKLJKUHSVHWVRIWKHFOHDQ
DQGSUHVV<RX
OOVWDUWXVLQJEDGIRUPDQGWKDW
V
QRJRRG)LYHRUVL[UHSVLVSOHQW\
,I\RXSUHIHUWRGRWKHFOHDQDQGSXVKSUHVV
WKDW
VILQH6DPHIRUWKHFOHDQDQGMHUN
:KHQ\RXILQLVKWKHFOHDQDQGSUHVV\RX
FDQFDOOLWDGD\RU\RXFDQGRDQ\DX[LOLDU\
H[HUFLVHV\RXIHHOOLNHGRLQJ DQGKDYHWLPH
WRGR <RXFDQKLWSXOOXSVSXVKXSVJXW
ZRUNJULSZRUNQHFNZRUNVTXDWVIURQW
VTXDWVURZLQJGHDGOLIWV7UDS%DUGHDGOLIWV
WKHIDUPHU
VZDONRUDQ\WKLQJHOVH\RXIHHO
OLNHGRLQJ
<RXFDQGRWKLVWZRRUWKUHHWLPHVDZHHNRU
\RXFDQGRLWRQFHDZHHNDQGGRDGLIIHUHQW
RQHH[HUFLVHZRUNRXWRQ\RXURWKHUWUDLQLQJ
GD\V)RUH[DPSOHFOHDQDQGSUHVVRQHGD\
GHDGOLIWVRU7UDS%DUGHDGOLIWVDQRWKHUGD\
DQGVTXDWVRUIURQWVTXDWVWKHQH[WWLPH\RX
WUDLQ
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

$QRWKHUJRRGRSWLRQLVWRKLWWKLVZRUNRXWRQH
GD\UHVWWKHIROORZLQJGD\DQGWKHQKLWD
TXLFNERG\ZHLJKWZRUNRXW7KHH[HUFLVHVDQG
SURJUDPVLQ'LQRVDXU%RG\ZHLJKW7UDLQLQJZRXOG
EHSHUIHFW
KWWSZZZEURRNVNXELNFRPGLQRVDXUBERG\ZHLJKWKWPO
6RLI\RXKDYHOLPLWHGWLPHIRUWUDLQLQJGRQ
127GHVSDLUWKHUHDUHSOHQW\RIJRRGRSWLRQV
IRU\RX
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDW
GD\,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
367KHQHZ-RKQ*ULPHNFRXUVHLVJRLQJWREH
*5($7,
YHEHHQVODPPLQJRQWKHOLWWOHPRQVWHU
DQGLW
VUHDOO\ORRNLQJJRRG7RQVDQGWRQVRI
LQIR6RHYHU\RQHZKRRUGHUHGLVLQIRUDWUHDW
,I\RXKDYH127UHVHUYHG\RXUFRS\WKHUH
VVWLOO
WLPH
KWWSEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO
360\RWKHUERRNVDQGFRXUVHVDUHLQWKHXVXDO
SODFH'LQR+HDGTXDUWHUV
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
36,I\RXZDQWPHWRDXWRJUDSK\RXU*ULPHNFRXUVH
IRU\RXLQFOXGHDQRWHLQWKH6SHFLDO,QVWUXFWLRQV
VHFWLRQRIWKHRQOLQHRUGHUIRUP,
PDOZD\VKDSS\
WRDXWRJUDSKDERRNRUFRXUVHEXW\RXKDYHWRDVN
,I\RXIRUJRWWRDVNIRUDQDXWRJUDSKDQG\RXZDQW
RQHVHQGDQHPDLO
36,I\RXDOUHDG\UHVHUYHGWKH*ULPHNFRXUVHDQG
\RXZDQWWRDGGVRPHWKLQJHOVHWR\RXURUGHUVKRRWPH
DQHPDLODVDS
367KRXJKWIRUWKH'D\,I\RXUEDUEHOOGRHVQ
W
PDNHH[FXVHVZK\VKRXOG\RX"%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVGLQRFDUGLRGLQRVDXUERG\ZHLJKW
WUDLQLQJGLQRVDXUWUDLQLQJSURJUDPVGLQRVDXUZRUNRXWVGLYLGHGZRUNRXWVMRKQJULPHN
WUDLQLQJIRUROGHUOLIWHUV

&DQ<RX,GHQWLI\WKH0\VWHU\:RUNRXW"
+DLOWRWKH'LQRVDXUV
&DQDQ\RQHLGHQWLI\WKHIROORZLQJZRUNRXW
IURPZD\EDFNVRPHRU\HDUVDJR"
,WZDVZULWWHQE\DSUHWW\ZHOONQRZQRXWILW
DVLQRQHRIWKHELJJHVWLQWKHEXVLQHVV 
EXWWKHDQVZHUZLOOVXUSULVH\RX
6RIRUEUDJJLQJULJKWVWDNHDJXHVV
:KRZURWHLW"
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

:KRXVHGLW"
:KHUHGLGLWFRPHIURP"
'LGDQ\RI\RXIROORZLW"
:KDWGR\RXWKLQNDERXWLW"*RRGSURJUDPIRU
EHJLQQHUV"7KXPEVXS"7KXPEVGRZQ"
7+(0<67(5<:25.287
:DUPXSH[HUFLVH3RZHUVQDWFK'RRQHVHW
RIDVPDQ\UHSVDVLWWDNHVWRIHHOQLFHDQGORRVH
DQGZDUPHGXS
0LOLWDU\SUHVVZLWKEDUEHOO[
%DUEHOOFXUO[
)XOOGHHSNQHHEHQG[
/LJKWEDUEHOOSXOORYHUZLWKGHHSEUHDWKLQJ[
)ORRUSUHVV[
7ZRGXPEEHOOSUHVV[XQWLOWLUHG
7ZRGXPEEHOOFXUODQGSUHVV[XQWLOWLUHG
2QHDFKH[HUFLVH\RXDGGHGRQHUHSDWDWLPHDV
\RXUVWUHQJWKSHUPLWWHG WZRUHSVRQVTXDWV 
<RXKDYHKRXUVWRJXHVVWKHVRXUFHRIWKH0<67(5<
:25.2877KHILUVW'LQRZLWKWKHFRUUHFWDQVZHUJHWV
DIUHHFRS\RI/HJDF\RI,URQDQGEUDJJLQJULJKWV
IRUDMREZHOOGRQH
%\WKHZD\,MXVWUHDGWKLVHPDLOWR7UXGLVKH
NQRZVWKHDQVZHURIFRXUVHDQGVKH
VODXJKLQJ
EHFDXVHVKHGRHVQ
WWKLQNDQ\RQHFDQJHWLW6R
WDNHWKDWDVDFKDOOHQJH $QGGRQ
WERWKHUWR
DVNKHUVKH
VQRWWHOOLQJ
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\
,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36$V,PHQWLRQHGWKHILUVWUHDGHUZLWKWKH
FRUUHFWDQVZHUJHWVDIUHHFRS\RI/HJDF\RI,URQ
)RUWKHQHZELHVRXWWKHUHRUIRUDQ\RQHZKR
VQRW
EHHQSD\LQJDWWHQWLRQJRKHUHIRUPRUHLQIRDERXW
/HJDF\RI,URQDQGWKHRWKHUIRXUERRNVLQWKH
/HJDF\RI,URQVHULHV
/HJDF\RI,URQ
KWWSZZZEURRNVNXELNFRPOHJDF\BRIBLURQKWPO
/HJDF\RI,URQ&ORXGVRI:DU
KWWSZZZEURRNVNXELNFRPFORXGVBRIBZDUKWPO
/HJDF\RI,URQ7KH3RXQG7RWDO
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

KWWSZZZEURRNVNXELNFRPSRXQGBWRWDOKWPO
/HJDF\RI,URQ<RUN*RHVWR:DU
KWWSZZZEURRNVNXELNFRPOHJDF\BRIBLURQKWPO
/HJDF\RI,URQ%DUEHOOVLQWKH3DFLILF
KWWSZZZEURRNVNXELNFRPEDUEHOOVBSDFLILFKWPO
$QG\HVWKDW
V-RKQ*ULPHNRQWKHFRYHURIERRNV
DQGLQWKHVHULHVDQG\HV\RX
OOVHHSOHQW\
RI-RKQ*ULPHNLQWKHVHIDVWSDFHGKLJKRFWDQH
VDJDV
%\WKHZD\\RXFDQJUDEDOOILYHRIWKH/HJDF\
RI,URQERRNVDWDVSHFLDOILYHERRNGLVFRXQW6HH
WKHLQIRSDJHIRU/HJDF\RI,URQ%DUEHOOVLQWKH
3DFLILF$Q\TXHVWLRQVVKRRWPHDQHPDLO

3RVWHGE\%URRNV.XELNDW$0
/DEHOVEDVLFH[HUFLVHV%DVLF7UDLQLQJEHJLQQHUVGLQRVDXUWUDLQLQJSURJUDPVLURQ
JDPHKLVWRU\MRKQJULPHN/HJDF\RI,URQOHJDF\RILURQVHULHVTXHVWLRQVIRUGLQRV

+RZWR'HVLJQD*UHDW:RUNRXW
+DLOWRWKH'LQRVDXUV
,RIWHQJHWTXHVWLRQVIURPUHDGHUVZKRDUH
DJRQL]LQJRYHUWKHLUWUDLQLQJSURJUDP
7KH\ZDQWWRVWDUWDQHZURXWLQHEXWWKH\
UH
QRWVXUHZKDWWRGR7KH\ZULWHLWGRZQORRN
DWLWWKLQNDERXWLWSXWLWDZD\WKLQN
DERXWLWVRPHPRUHSLFNLWXSDJDLQORRN
LWRYHUDGGVRPHVWXIIWDNHVRPHVWXII
RXWFKDQJHWKHVHWVDQGUHSVSXWLWGRZQ
DJDLQZRUU\VRPHPRUHDQGUHSHDWRYHUDQG
RYHU
7KDW
VDVKDPH7KH\
UHZDVWLQJSOHQW\RI
HQHUJ\RQVRPHWKLQJWKDWUHDOO\LVQ
WWKDW
FRPSOLFDWHG
+HUHDUHVRPHWLSVRQGHVLJQLQJDJUHDWZRUNRXW
8VHEDVLFFRPSRXQGH[HUFLVHV6TXDWVEHQFK
SUHVVPLOLWDU\SUHVVEHQWRYHUURZLQJRU
SXOOXSVGHDGOLIWVFXUOVFORVHJULSEHQFK
SUHVVHWF
$8VHEDUEHOOVDQGGXPEEHOOV7KH\ZRUNPXFK
EHWWHUWKDQPDFKLQHV
7UDLQWKUHHWLPHVSHUZHHN
$,IWZRWLPHVSHUZHHNLVEHWWHUIRU\RXJR
IRULW
8VHDGLYLGHGZRUNRXWV\VWHPVR\RXWUDLQHDFK
H[HUFLVHRQFHSHUZHHN6HHWKHFKDSWHURQDEEUHYLDWHG
VWUHQJWKWUDLQLQJLQ6WUHQJWK0XVFOHDQG3RZHUIRU
PRUHGHWDLOVDQGIRUWKHH[DFWSURJUDP,XVHGLQ
P\HDUO\
VZKHQ,ILUVWGLVFRYHUHGDEEUHYLDWHG
WUDLQLQJDQGGLYLGHGZRUNRXWVFKHGXOHVDQGXVHGWKHP
WREXLOGWKHVWUHQJWKDQGSRZHUWKDWZRQILYH1DWLRQDO
FKDPSLRQVKLSVLQWKHEHQFKSUHVV
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

$$GLYLGHGZRUNRXWVFKHGXOHLV127DFRQYHQWLRQDO
VSOLWURXWLQH<RXWUDLQIRXUILYHRUVL[GD\VD
ZHHNRQDFRQYHQWLRQDOVSOLWURXWLQH7KDW
VQRWZKDW
,DGYRFDWH
'RWZRRUWKUHHSULPDU\H[HUFLVHVSHUZRUNRXW
DORQJZLWKVRPHJXWJULSDQGQHFNZRUN
)RUPRVWWUDLQHHVPXOWLSOHVHWVRIORZWR
PHGLXPUHSVZRUNSUHWW\GDUQJRRG)RUH[DPSOH
[RU[RU[IROORZHGE\
RU
$2QHRIWKHJUHDWWKLQJVDERXWPXOWLSOHVHW
WUDLQLQJLVWKDW\RXFDQVWDUWOLJKWDQGSHUIRUP
DVHULHVRISURJUHVVLYHO\KHDYLHUZDUPXSVHWV
:RUNVPXFKEHWWHUWKDQVWDUWLQJZLWKDKHDY\ZHLJKW
0XFKHDVLHURQ\RXUERG\WRR
%HJLQHDFKVHVVLRQZLWKDRUPLQXWHZDUPXS
'RVRPHVRUWRIOLJKWWRPRGHUDWHFDUGLRZRUN
WZRRUWKUHHWLPHVDZHHN
$)RUVRPHXQLTXHLGHDVRQFDUGLRWUDLQLQJIRU
LURQKHDGVVHH*UD\KDLUDQG%ODFN,URQ
8VHDVLPSOHF\FOLQJV\VWHPDVGHVFULEHGLQ*UD\
+DLUDQG%ODFN,URQ
(PSKDVL]HUHVWDQGUHFXSHUDWLRQ7KH\DUHWKHNH\
WRJUHDWJDLQV
$GGZHLJKWWRWKHEDURQDUHJXODUFRQVLVWHQW
EDVLV3RXQGDJHSURJUHVVLRQLVFULWLFDO
$$GG60$//DPRXQWVRIZHLJKW2YHUWLPHWKHVPDOO
LQFUHDVHVDGGXSWR%,**$,16
%,I\RXJHWJUHHG\DQGWU\WRDGGWRRPXFKZHLJKW
\RXHLWKHUKXUW\RXUVHOIRU\RXKDYHWRFKHDWWRJHW
WKHGHVLUHGQXPEHURIUHSV1HLWKHULVJRRG
'RQ
WDJRQL]HRYHUEHQFKSUHVVHVYVLQFOLQH
SUHVVHVRUGXPEEHOOFXUOVYVEDUEHOOFXUOV$V
ORQJDV\RX
UHWUDLQLQJ\RXUOHJVEDFNDQGVKRXOGHUV
DQGDVORQJDV\RX
UHWUDLQLQJSURJUHVVLYHO\DQGDGGLQJ
ZHLJKWWRWKHEDU\RX
OOGRILQH
7KHUHDUHVRPHFRPPRQH[HUFLVHVWKDW\RXVKRXOG127
XVHEHFDXVHWKH\W\SLFDOO\GRPRUHKDUPWKDQJRRG)RU
H[DPSOHWKHSUHVVEHKLQGQHFNHQGVXSFDXVLQJVKRXOGHU
SUREOHPVIRUPDQ\OLIWHUV'LWWRIRUSDUDOOHOGLSVDQG
SXOORYHUVHVSHFLDOO\DSXOORYHUWRUVRPDFKLQH,
GHYRWHDZKROHFKDSWHUWRWKLVWRSLFLQ*UD\KDLUDQG
%ODFN,URQDQGLW
VDQLPSRUWDQWFKDSWHUWRUHDGDQG
UHUHDGIURPWLPHWRWLPH
:KHQ\RXWUDLQ&21&(175$7(RQ\RXUWUDLQLQJ6HH
WKHFKDSWHURQ&RQFHQWUDWLRQLQ'LQRVDXU7UDLQLQJ
DQGRQFHDJDLQWKDW
VDFKDSWHU\RXZDQWWRUHUHDG
HYHU\VRRIWHQ
3HUIHFWIRUP
$3HUIHFWIRUP
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

%3HUIHFWIRUP
<RXFDQJHWDWHUULILFUHVXOWSURGXFLQJZRUNRXWLQ
DVOLWWOHDVPLQXWHV0\RZQZRUNRXWVW\SLFDOO\JR
WRPLQXWHV,I,WUDLQIRUDQKRXURUDELWPRUHLW
V
DORQJZRUNRXW:KHQ\RXWUDLQWKHULJKWZD\\RXGRQ
W
QHHGWRVSHQG\RXUOLIHLQWKHJ\P
$,ILQGRXEWGR/(66QRWPRUH
,KRSHWKDWKHOSVDQGLILWGRHVVKDUHLWZLWKDQ\RQH
ZKRPLJKWEHQHILWIURPWKHLQIRUPDWLRQ
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\,I
\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36,PHQWLRQHG'LQRVDXU7UDLQLQJ*UD\+DLUDQG%ODFN
,URQDQG6WUHQJWK0XVFOHDQG3RZHU,I\RXGRQ
WKDYH
WKHP\RX1(('WKHPDQG\RXFDQILQGWKHPULJKWKHUH
'LQRVDXU7UDLQLQJ
KWWSZZZEURRNVNXELNFRPGLQRVDXUBWUDLQLQJKWPO
*UD\+DLUDQG%ODFN,URQ
KWWSZZZEURRNVNXELNFRPJUD\KDLUBEODFNLURQKWPO
6WUHQJWK0XVFOHDQG3RZHU
KWWSZZZEURRNVNXELNFRPVWUHQJWKBPXVFOHBSRZHUKWPO
367RGD\LVWKHGHDGOLQHWRJUDEWKH(DUO\'LQR
6SHFLDOIRUP\XSFRPLQJDXGLRVHPLQDU)RUPRUHLQIR
JRKHUH
KWWSZZZHQWKHRVDFDGHP\FRPFRXUVHV'LQRVDXU7UDLQLQJ
367KRXJKWIRUWKH'D\$WUDLQLQJSURJUDPRQO\
ZRUNVLI\RXGR%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVEDFNWRWKHEDVLFVEDVLFH[HUFLVHV
EHJLQQHUVEXLOGLQJVWUHQJWKDQGPXVFOHGLQRVDXUWUDLQLQJSURJUDPVGLQRVDXUZRUNRXWV
ROGVFKRROWUDLQLQJSURJUDPV

8OWUD$EEUHYLDWHG:RUNRXWVIRU6WUHQJWK0XVFOH
DQG3RZHU
+DLOWRWKH'LQRVDXUV
0DQ\\HDUVDJRDPDQQDPHG:LOOLDP%RRQH
WUDLQHGLQKLVEDFN\DUGLQ/RXLVLDQD
DQGEHFDPHRQHRIWKHYHU\VWURQJHVWPHQ
LQWKHHQWLUHZRUOG
%RRQHKDGDXQLTXHDSSURDFKWRKLVZRUNRXWV
+HIROORZHGZKDW,UHIHUWRDVXOWUD
DEEUHYLDWHGWUDLQLQJSURJUDPV
2QHH[HUFLVHZRUNRXWV
<HV\RXUHDGWKDWFRUUHFWO\$QGLW
VQRWD
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

W\SR
:LOOLDP%RRQHSHUIRUPHG21(H[HUFLVHLQKLV
ZRUNRXWV
$WRQHWLPHKHVSHFLDOL]HGRQWKHEHQWSUHVV
DQGZRUNHGXSWRSRXQGVLQWKHRQHDUP
OLIWZKLFKUDQNHGKLPDVRQHRIWKH
JUHDWHVWEHQWSUHVVHUVRIDOOWLPH
/DWHUKHVSHFLDOL]HGRQWKHGHDGOLIWDQG
ZRUNHGXSWRSRXQGVZKLFKZDVDZRUOG
UHFRUGDWWKHWLPH 
$QGVWLOOODWHUKHVSHFLDOL]HGRQWKHSXVK
SUHVVDQGWKHMHUN WDNLQJWKHEDUIURPVTXDW
VWDQGV DQGZRUNHGXSWRSRXQGV$WWKH
WLPHWKHZRUOGUHFRUGLQWKHFOHDQDQGMHUN
ZDVMXVWRYHUSRXQGVVR%RRQHZDVKDQGOLQJ
VRPHSUHWW\KHDY\LURQ
0DQ\ZRXOGVFRIIDWWKHLGHDRIDRQHH[HUFLVH
ZRUNRXWEXWORRNZKDWLWGLGIRU:LOOLDP
%RRQH
,QP\RZQWUDLQLQJ,RIWHQSHUIRUPRQHH[HUFLVH
ZRUNRXWV,XVXDOO\URWDWHEHWZHHQWZRRUWKUHH
GLIIHUHQWZRUNRXWVKLWWLQJRQHRQ7XHVGD\RQH
RQ7KXUVGD\DQGRQHRQ6XQGD\7KDWDOORZVPHWR
VSHFLDOL]HRQVHYHUDOGLIIHUHQWPRYHPHQWVDWWKH
VDPHWLPH
,WZRUNVJUHDW,QHYHU\ZRUNRXW,JLYHRI
P\VWUHQJWKDQGSRZHUWR21(H[HUFLVH,VWDUW
OLJKWZDUPXSZHOODQGZRUNXSWRDKHDY\
ZHLJKWDQGUHDOO\KDPPHULW7KHQ,UHVW
DQGLQP\QH[WZRUNRXW,GRWKHVDPHWKLQJZLWK
DGLIIHUHQWH[HUFLVH
7KHUHDUHPDQ\H[DPSOHVRIRQHH[HUFLVHZRUNRXWV
+HUH
VDJRRGRQHIRUDOODURXQGVWUHQJWKDQG
SRZHU
7XHV
6TXDWRUIURQWVTXDW
7KXUV
&OHDQDQGSUHVV
6XQ
'HDGOLIWRU7UDS%DUGHDGOLIW
1RZWKDWPD\QRWORRNOLNHPXFKEXWWKLQNDERXW
WKLV,I\RXZHUHWRIROORZWKDWSURJUDPDQGZRUN
KDUGDQGKHDY\DQGDGGSRXQGWR\RXUVTXDW
SRXQGVWR\RXUGHDGOLIWDQGRUSRXQGV
WR\RXUFOHDQDQGSUHVVWKLQNKRZPXFKELJJHUDQG
VWURQJHU\RX
GEH
$RQHH[HUFLVHSURJUDPDQXOWUDDEEUHYLDWHG
WUDLQLQJSURJUDPFDQJHW\RXWKHUH)$67
/RRNZKDWLWGLGIRU:LOOLDP%RRQH
<RXFDQOHDUQPRUHDERXWRQHH[HUFLVHZRUNRXWV
DQGRWKHUXOWUDDEEUHYLDWHGWUDLQLQJSURJUDPVLQ
675(1*7+086&/($1'32:(5ZKLFKMXVWKDSSHQV
WREHRQHRIWKHPRVWSRSXODUERRNVZHRIIHUKHUH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

DW'LQRVDXU+HDGTXDUWHUV
KWWSZZZEURRNVNXELNFRPVWUHQJWKBPXVFOHBSRZHUKWPO
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\
,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
360\RWKHU'LQRVDXU7UDLQLQJERRNVFRXUVHVDQG
'9'
VDUHDYDLODEOHULJKWKHUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\,W
VQRWDERXWKRZPXFK
\RXGRLW
VDERXWKRZ\RXGRLW%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVFHOODUGZHOOHUVDQGJDUDJHJRULOODV
GLQRVDXUWUDLQLQJSURJUDPVKRPHJ\PWUDLQLQJROGWLPHVWURQJPHQZLOOLDPERRQH

2QHRI0\)DYRULWH7UDLQLQJ3URJUDPV
+DLOWRWKH'LQRVDXUV
2QHRIP\DOOWLPHIDYRULWHWUDLQLQJURXWLQHV
FDPHIURPDQDUWLFOHE\%UDGOH\-6WHLQHU,W
DSSHDUHGLQ3HDU\5DGHU
VROG,URQ0DQPDJD]LQH
ZD\EDFNLQRUVR
<RXWUDLQHGWKUHHWLPHVSHUZHHNXVLQJWKHVDPH
ZRUNRXWHYHU\WLPH\RXWUDLQHG7RGD\,
GPRGLI\
WKDWVXJJHVWLRQIRUROGHUJX\VDQGIRUWKHPRUH
DGYDQFHGWUDLQHHVZKRZRXOGGREHWWHURQD
GLYLGHGZRUNRXWVFKHGXOH ,
OOJLYHDQH[DPSOH
ODWHURQ
2QHYHU\WKLQJRWKHUWKDQ\RXUZDUPXSH[HUFLVH
DQG\RXUJXWZRUN\RXGLG[7ZRSURJUHVVLYHO\
KHDYLHUZDUPXSVHWVDQGZRUNLQJVHWV,I\RX
SUHIHUDQRWKHUYDULDWLRQRI[VXFKDVIRXU
SURJUHVVLYHO\KHDYLHUZDUPXSVHWVDQGRQHZRUNLQJ
VHWJRIRULW
6WHLQHU
VSURJUDPFRQVLVWHGRIWKHIROORZLQJ
H[HUFLVHV
:DUPXSZLWKSURQHK\SHUH[WHQVLRQV[
$Q\RYHUKHDGSUHVVLQJH[HUFLVHRI\RXUFKRLFH
PLOLWDU\SUHVVGXPEEHOOSUHVVRUSUHVVEHKLQG
QHFN [
1RWH6WHLQHUSUHIHUUHGWKHSUHVVEHKLQGQHFN,
G
VWD\DZD\IURPLWLW
VSUHWW\KDUGRQ\RXU
VKRXOGHUVHVSHFLDOO\LI\RX
UHDQROGHUOLIWHU
)RUWKRVHZKRFDQGRKDQGVWDQGSXVKXSVKDQGVWDQG
SXVKXSVDUHDQRWKHURSWLRQ6HH'LQRVDXU%RG\ZHLJKW
7UDLQLQJIRUKDQGVWDQGSXVKXSSURJUHVVLRQVDQG
WUDLQLQJWLSV
6TXDWV[
1RWH<RXFDQGREDFNVTXDWVRUIURQWVTXDWV6WHLQHU
SUHIHUUHGSDUDOOHOVTXDWVZKLFKZDVVWDQGDUGDGYLFH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

EDFNLQWKH
VDQG
V,GLGWKHPWKDWZD\ZKHQ
,ZDV\RXQJHUEXWWRGD\,SUHIHUIXOOVTXDWV XVXDOO\
IURQWVTXDWV ,W
VXSWR\RX
2OGHUOLIWHUVZLWKEDGNQHHVFDQWU\7UDS%DUGHDGOLIWV
LQSODFHRIVTXDWV
%HQFKSUHVV[
1RWH<RXFDQGRWKHVHZLWKEDUEHOOVRUGXPEEHOOV
RUZLWKRQHGXPEEHOO RQHDUPDWDWLPH <RXDOVR
FDQGRLQFOLQHEDUEHOORUGXPEEHOOSUHVVHVRURQH
DUPLQFOLQHGXPEEHOOSUHVVHV7KHGXPEEHOOVDUHVDIHU
LI\RXWUDLQDORQHZLWKRXWDVSRWWHURUDSRZHU
UDFN$QRWKHURSWLRQLI\RXWUDLQDORQHLVWRSHUIRUP
SXVKXSVZLWKRUZLWKRXWH[WUDZHLJKWRQ\RXUEDFN
%DUEHOOEHQWRYHUURZLQJ[
1RWH,I\RXSUHIHUGRRQHDUPGXPEEHOOURZLQJRUGR
DQ\IRUPRISXOOXS7KHSXOOXSSURJUHVVLRQVLQ
'LQRVDXU%RG\ZHLJKW7UDLQLQJZLOOEXLOGDQHQRUPRXV
XSSHUERG\DQGWRQVRIVWUHQJWK
6WLIIOHJJHGGHDGOLIWV[
1RWH%HQWOHJJHGGHDGOLIWVDOVRZRUNZHOODQGVR
GR7UDS%DUGHDGOLIWVRUVWLIIOHJJHGGHDGOLIWVZLWK
WKH7UDS%DU7KRVHZKRSUHIHUSRZHUFOHDQVKLJKSXOOV
RUSRZHUVQDWFKHVVKRXOGIHHOIUHHWRGRWKHPEXWLI
\RXGRGURSWKHUHSVWRWZRRUWKUHHSHUVHWDQGGR
WKHVHHDUOLHULQWKHSURJUDP EHIRUHWKHVTXDWV 
)LQLVKXSZLWKDFRXSOHRIVHWVRIJXWZRUN
1RWH,
GVXJJHVWILQLVKLQJXSZLWKJXWZRUNJULSZRUN
DQGQHFNZRUNWZRRUWKUHHVHWVRIHDFK
$V,PHQWLRQHG\RXFDQGLYLGHWKHSURJUDPLQWRWZR
RUWKUHHZRUNRXWVZLWKDGD\RIUHVWEHWZHHQHDFK
ZRUNRXW)RUH[DPSOH
0RQ
:DUPXSZLWKSURQHK\SHUH[WHQVLRQV[
3UHVV[
6TXDW[
*XWZRUN[
:HG
:DUPXSZLWKSURQHK\SHUH[WHQVLRQV[
%HQFKSUHVVRULQFOLQHSUHVV[
3XOOXSV[
*ULSZRUNRI\RXUFKRLFHWRVHWVUHSVZLOO
YDU\GHSHQGLQJRQWKHH[HUFLVH V \RXGR
)UL
:DUPXSZLWKSURQHK\SHUH[WHQVLRQV[
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

%HQWOHJJHGGHDGOLIWV[RUFOHDQJULSKLJK
SXOOV[
1HFNZRUNZLWKKHDGVWUDSRU[
*XWZRUNRI\RXUFKRLFH[
6RWKHUH\RXKDYHLWDWUXO\RXWVWDQGLQJDQG
HIIHFWLYHROGVFKRROWUDLQLQJSURJUDPWKDWZLOO
EXLOGVWUHQJWKSRZHUDQGPXVFOHVRIDVW\RX
OO
VKRFN\RXUVHOI*LYHLWDWU\DQGOHWPHNQRZKRZ
LWZRUNVIRU\RX
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\
,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36)RUPRUHVWUHQJWKWUDLQLQJDQGPXVFOHEXLOGLQJ
ZRUNRXWVJUDEDQ\RUDOORIWKHIROORZLQJERRNVDQG
FRXUVHV
'LQRVDXU%RG\ZHLJKW7UDLQLQJ
KWWSZZZEURRNVNXELNFRPGLQRVDXUBERG\ZHLJKWKWPO
'LQRVDXU7UDLQLQJ/RVW6HFUHWVRI6WUHQJWKDQG
'HYHORSPHQW
KWWSZZZEURRNVNXELNFRPGLQRVDXUBWUDLQLQJKWPO
6WUHQJWK0XVFOHDQG3RZHU
KWWSZZZEURRNVNXELNFRPVWUHQJWKBPXVFOHBSRZHUKWPO
&KDONDQG6ZHDW
KWWSZZZEURRNVNXELNFRPFKDONBDQGBVZHDWKWPO
'LQRVDXU$UP7UDLQLQJ
KWWSZZZEURRNVNXELNFRPGLQRVDXUBDUPWUDLQLQJKWPO
7KH'LQRVDXU0LOLWDU\3UHVVDQG6KRXOGHU3RZHU
&RXUVH
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBFRXUVHKWPO
+LVWRU\
V6WURQJHVW0HQDQG+RZ7KH\7UDLQHG9RO,
'RXJ+HSEXUQ
KWWSZZZEURRNVNXELNFRPGRXJBKHSEXUQKWPO
*UD\+DLUDQG%ODFN,URQ
KWWSZZZEURRNVNXELNFRPJUD\KDLUBEODFNLURQKWPO

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

7KRXJKWIRUWKH'D\,ILWZRUNHGIRU*ULPHNLWZLOO
ZRUNIRU<28%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVEUDGOH\MVWHLQHUFHOODUGZHOOHUVDQGJDUDJHJRULOODVGLIIHUHQWZD\VWRXVHD
EDUEHOOGLQRVDXUERG\ZHLJKWWUDLQLQJGLQRVDXUWUDLQLQJSURJUDPVGLYLGHGZRUNRXWVROG
VFKRROWUDLQLQJSURJUDPV

,PSUHVVLYH6WXIIWKDW'LQRV'R
+DLOWRWKH'LQRVDXUV
,UHDGVRPHWKLQJDJHVDJRDERXWDWRSVWUHQJWK
FRDFK,WKLQNKHFRDFKHGDQ1)/WHDPRU
SHUKDSVDWRSFROOHJHWHDP$V,VDLGLWZDV
DJHVDJRDQG,MXVWGRQ
WUHPHPEHU1RUGR
,UHPHPEHUKLVQDPH
%XW,UHPHPEHUVRPHRQHQRWLQJWKDWWKLVPDQ
QRWRQO\NQHZKLVVWXIIKHVWLOOGLGLW+H
VWLOOWUDLQHG$QGKHZDVLQKLVPLG
V
$QGDOWKRXJKKHPD\QRWKDYHEHHQRXWOLIWLQJ
KLVVRPHWKLQJDWKOHWHVKHZDVGRLQJ
VRPHWKLQJSUHWW\LPSUHVVLYH
+HZDVGRLQJIXOOVTXDWVQDWFKHV
$QGDVDQ\RQHZKR
VHYHUWULHGWRGRDVTXDW
VQDWFKFDQWHOO\RXWKH\UHTXLUHVWUHQJWK
SRZHUVSHHGWLPLQJFRRUGLQDWLRQEDODQFH
IOH[LELOLW\PRELOLW\DQGDWKOHWLFLVP
6RZKHQWKH\HDUROGVWUHQJWKFRDFKJHWV
RXWRQWKHSODWIRUPDQGKLWVVRPHVTXDW
VQDWFKHVWKDW
VLPSUHVVLYH,WGRHVQ
WKDYH
WREHD:RUOGUHFRUGZHLJKW-XVWGRLQJWKHP
LVLPSUHVVLYH
,
YHDOZD\VUHPHPEHUHGWKDW,W
VRQHRIWKH
WKLQJV,WKLQNDERXWZKHQ,JRRXWWRWKH
JDUDJHDQGGRP\2O\PSLFOLIWLQJZRUNRXWV
$QGLWPDGHPHWKLQNDERXWRWKHUWKLQJVWKDW
SHRSOHGRWKDWFRPHXQGHUWKH,W
V,PSUHVVLYH
FDWHJRU\
6R,VWDUWHGDOLVWRI,PSUHVVLYH6WXIIWKDW
'LQRV'R+HUHLWLV6HHLI\RXVSRW\RXUVHOI
RQLW
6TXDWV +HDY\6HWVDQGUHSVRI\RXUFKRLFH
'HDGOLIWV +HDY\6HWVDQGUHSVRI\RXUFKRLFH
7KHFOHDQDQGSUHVV EDUEHOOGXPEEHOOVVDQGEDJV
EDUUHOVRUZKDWHYHU
$UPVRQO\URSHFOLPELQJ
$Q\RIWKHDGYDQFHGZRUNRXWVLQ'LQRVDXU
%RG\ZHLJKW7UDLQLQJ
+HDY\GXPEEHOOWUDLQLQJ (PSKDVLVRQKHDY\
7KLFNEDUWUDLQLQJ
7KHIDUPHU
VZDON
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

)LQLVKHUV
.HHSLQJDWLWDIWHUDJHRURU

7HDFKLQJ\RXUFKLOGUHQKRZWRWUDLQ
7HDFKLQJ\RXUJUDQGFKLOGUHQKRZWRWUDLQ
/HDUQLQJQHZVWXIIWRGRZKDWHYHU\RXUDJH
8VLQJWKHVDPHEDUEHOODWDJHWKDW\RXXVHG
DWDJH
(QWHULQJ\RXUILUVWSRZHUOLIWLQJZHLJKWOLIWLQJ
RUVWURQJPDQFRPS
6D\LQJQRWRWKHURLGVNLHV
'URSSLQJSRXQGVDQGIRXULQFKHVRII\RXUJXW
EHFDXVH\RXNQRZLW
VJRRGIRU\RXUKHDOWK
'RLQJZHLJKWZRUN$1'VRPHNLQGRIFRQGLWLRQLQJ
ZRUNEHFDXVH\RXNQRZWKH\%27+GRJRRGWKLQJVIRU
\RX
*URZLQJDVPXFKRI\RXURZQIRRGDVSRVVLEOH
+DYLQJWKHJUHDWHVWZRUNRXWRI\RXUHQWLUHOLIH
DQG127SRVWLQJDERXWLWRQ)DFHERRN
7KHUHDUHPDQ\PRUHVHQGLQ\RXULGHDVDQG,
OO
SRVWWKHEHVWRQHV
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\
,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36,I\RXZDQWWRPRYHLQWRWKH,W
V,PSUHVVLYH
FDWHJRU\VWDUWZLWKWKHERRNVFRXUVHVDQG'9'
V
DWWKH'LQRVDXU7UDLQLQJVLWH7KH\
OOJHW\RXWKHUH
IDVWHUWKDQDQ\WKLQJHOVH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
36,ORYHWKH3RVW2IILFHEXWWKHUH
VQRVHQVH
LQSD\LQJH[WUDFODPVIRUV K2UGHUWZRRUWKUHH
ERRNVRUFRXUVHV RU'9'
V DWRQHWLPHDQGVDYH
VRPHVHULRXVZDPSXP
367KRXJKWIRUWKH'D\,ISHRSOHVSHQWPRUH
WLPHPDNLQJDQHIIRUWWKH\
GVSHQGOHVVWLPHPDNLQJ
H[FXVHV%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVFHOODUGZHOOHUVDQGJDUDJHJRULOODVFKDPSLRQVKLSWKLQNLQJFKDUDFWHUGLQRVDXU
H[HUFLVHVGLQRVDXUPLQGSRZHU'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPVGLQRVDXU
ZRUNRXWVKRPHJ\PWUDLQLQJ

$4XHVWLRQRQ*ULS7UDLQLQJ
+DLOWRWKH'LQRVDXUV
7KLVPHVVDJHLVFRPLQJWR\RXDOLWWOHODWHU
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

WKDQLQWHQGHG:HKDGVRPHZLOGZHDWKHULQ
/RXLVYLOOHDKXJHOLQHRIWKXQGHUVWRUPV
ZLWKZLOGZLQGVJXVWLQJXSWRPSKDQG
HYHQVRPHWRUQDGRHV
$FRXSOHRIWUDFWRUWUDLOHUULJVZHUHEORZQ
ULJKWRIIWKHH[SUHVVZD\QRWYHU\IDUIURP
'LQR+4
6RZH
YHKDGWRVWD\RIIOLQHNHHSWKH
FRPSXWHUWXUQHGRIIDQGPDLQWDLQUDGLR
VLOHQFHIRUPXFKRIWKHGD\
%XWQRZZH
UHEDFNVROHW
VWDONWUDLQLQJ
2QHRIRXUUHDGHUVDVNHGPHDERXWILWWLQJJULS
ZRUNLQWRKLVVFKHGXOH+HVDLGKH
VEHHQGRLQJ
VXSHUVHWVZKHUHKHGRHVDSULPDU\H[HUFLVHVXFK
DVSXOOXSVRUGHDGOLIWVDQGWKHQGRHVDJULS
H[HUFLVH+HDVNHGZKDW,WKRXJKWRIWKHLGHD
)UDQNO\,GRQ
WOLNHLW
+HUH
VZK\,I\RXWUDLQ\RXUJULSDVKDUGDV\RX
6+28/'WUDLQLW\RX
UHQRWJRLQJWREHDEOHWR
GRJULSZRUNDQGWKHQGRDQ\VHULRXVXSSHUERG\
WUDLQLQJRUDQ\GHDGOLIWVRUDQ\WKLQJHOVH
ZKHUH\RXQHHGWRKROGRQWRVRPHKHDY\LURQRU
KDQJIURPDFKLQQLQJEDU
:KHQ\RXWUDLQ\RXUJULS\RXIU\LWIRUDZKLOH
,I\RXGRQ
W\RX
UHQRWWUDLQLQJKDUGHQRXJK
$UWKXU-RQHVRQFHQRWHGWKDWDIWHUDIRUHDUPDQG
JULSZRUNRXW\RXFRXOGGURSDNH\RQWKHIORRU
DQGQRWEHDEOHWRSLFNLWXS
$QGLI\RXFDQ
WSLFNDNH\XSRIIWKHIORRU\RX
VXUHDVKHFNFDQ
WGRSXOOXSVRUGRGHDGOLIWV
7KDW
VZK\\RXWUDLQ\RXUJULSDWWKH(1'RI\RXU
ZRUNRXW$)7(5DOOWKHSULPDU\H[HUFLVHV
,I\RXZDQWWRVDYHWLPHDQGVSHHGWKLQJVXS\RX
FDQVXSHUVHWRUWULVHWJULSZRUNZLWKJXWZRUN
DQGQHFNZRUN7KDW
VRQHUHDVRQ,DOZD\VHQGD
WUDLQLQJSURJUDPE\QRWLQJWKDW\RXVKRXOGGR
JXWJULSDQGQHFNZRUN
7KHH[FHSWLRQZRXOGEHJXWZRUNWKDWUHTXLUHV
JULSSLQJSRZHUVXFKDVKDQJLQJOHJUDLVHV
KDQJLQJNQHHVWRFKHVWKHDY\GXPEEHOOVLGHEHQGV
RU7XUNLVKJHWXSV:LWKWKRVHH[HUFLVHV\RXZRXOG
QHHGWRGRWKHJXWZRUNILUVWDQGWKHQILQLVKXS
ZLWKWKHJULSZRUN
,KRSHWKDWKHOSVILJXULQJRXWZKHUHWRVORWLQ
WKHJULSZRUN
$VIDUDVH[HUFLVHVJRWKHVN\
VWKHOLPLW,FRYHU
VRPHRIWKHEHWWHURQHVLQ',126$8575$,1,1*/267
6(&5(762)675(1*7+$1'32:(5DQGLQ675(1*7+086&/(
$1'32:(5&KHFNWKHPRXWWKH\
OOKHOS\RXEXLOG
KDQGVOLNHLURQFODZV
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\
,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

<RXUVLQVWUHQJWK
%URRNV.XELN
36<RXFDQILQG',126$8575$,1,1*ULJKWKHUH
KWWSZZZEURRNVNXELNFRPGLQRVDXUBWUDLQLQJKWPO
36*RKHUHIRU675(1*7+086&/($1'32:(5
KWWSZZZEURRNVNXELNFRPVWUHQJWKBPXVFOHBSRZHUKWPO
367KRXJKWIRUWKH'D\6RPHZKHUHLQ\RXUPDNHXS
WKHUHOLHV6/((3,1*WKHVHHGRIDFKLHYHPHQWZKLFKLI
DURXVHGDQGSXWLQWRDFWLRQZRXOGFDUU\\RXWRKHLJKWV
VXFKDV\RXPD\QHYHUKDYHKRSHGWRDWWDLQ1DSROHRQ
+LOO

3RVWHGE\%URRNV.XELNDW30
/DEHOVGLQRVDXUWUDLQLQJSURJUDPVGLQRVDXUZRUNRXWVJULSH[HUFLVHVJULSWUDLQLQJ
WUDLQLQJTXHVWLRQV

7KH&KDONDQG6ZHDW3KHQRPHQRQ
+DLOWRWKH'LQRVDXUV
6RPHWKLQJYHU\LQWHUHVWLQJKDVKDSSHQHGRYHU
WKHSDVWFRXSOHRIZHHNV,WWLHVLQWRWKH
HQGRIWKHROG\HDUDQGWRWKHIDFWWKDWLQ
'HFHPEHU,ODXQFKHGDQHZERRNFDOOHG
&+$/.$1'6:($7ZKLFKJLYHVUHDGHUVDVHULHV
RIGLIIHUHQWZRUNRXWVZRUNRXWVIRU
EHJLQQHUVIRULQWHUPHGLDWHVIRU
DGYDQFHGWUDLQHHVOHJVSHFLDOL]DWLRQ
SURJUDPVDQGEDFNVSHFLDOL]DWLRQSURJUDPV
,ZURWHWKHERRNIRUDYHU\VLPSOHUHDVRQ
,JHWWRQVRIHPDLOVZLWKWUDLQLQJTXHVWLRQV
DQGPDQ\RIWKHPDUHIURP
%HJLQQHUVZKRQHHGDJRRGZRUNRXWDQGKDYH
QRLGHDKRZWRSXWDSURJUDPWRJHWKHUDQG
ZKRDOZD\VGR:$<72208&+PHDQLQJWRRPDQ\
H[HUFLVHVWRRPDQ\VHWVDQGWRRPDQ\WUDLQLQJ
GD\VSHUZHHN
,QWHUPHGLDWHVZKRWU\WRGRDPRUH
DGYDQFHGSURJUDPWKDQWKHLUERGLHVFDQKDQGOH
$GYDQFHGPHQZKRJHWRIIWUDFNVRPHKRZ XVXDOO\
DVWKHUHVXOWRIWRRPDQ\PXVFOHFRPLFVRUWRR
PXFKWLPHUHDGLQJDERXWWUDLQLQJRQWKHLQWHUQHW 
DQGZKRDUHVWXFNLQWKHGUHDGHG67,&.,1*32,17
]RQH
*X\VZKRZDQWWREXLOGDVPXFKPXVFOHDQGEXON
DVIDVWDVSRVVLEOHEXWGRQ
WNQRZKRZWRGRLW
+LQWOHJDQGEDFNVSHFLDOL]DWLRQ
,GRQ
WKDYHWLPHWRJLYHSHUVRQDODQVZHUVWR
HYHU\RQHZKRQHHGVDJRRGWUDLQLQJSURJUDP
VR,ZURWHDERRNWKDWOD\VLWDOORXWDQG
JLYHVHQRXJKYDULHW\WKDWWKHUH
VOLWHUDOO\
VRPHWKLQJIRUHYHU\RQH
6RKHUH
VZKDWKDSSHQHGEDVHGRQHPDLOVWKDWKDYH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

FRPHLQWKHGRRURYHUWKHSDVWIHZZHHNV
$QXPEHURIUHDGHUVJUDEEHGDFRS\RI&+$/.$1'
6:($7EDFNLQ'HFHPEHUDQGVWDUWHGRII
RQRQHRIWKHSURJUDPVLQWKHERRNDWWKHEHJLQQLQJ
RIDQGWUDLQHGRQGLIIHUHQWSURJUDPVIURP
WKHERRNRYHUWKHFRXUVHRIWKH\HDUDQGGLG
$//RIWKHLUWUDLQLQJIRUWKHHQWLUH\HDUXVLQJ
SURJUDPVIURPWKHERRNDQGWKHQDWWKHHQG
RIWKH\HDUWKH\VKRRWPHDQHPDLODQGVD\,
FDQ
WEHOLHYHWKHJDLQV,PDGHRYHUWKHSDVW
\HDU
:HOO,FDQEHOLHYHLW
$V,VDLG,Q'LQRVDXU7UDLQLQJ6WUHQJWKWUDLQLQJ
ZRUNV<RXMXVWKDYHWRGRLW5,*+7$QGSDUWRI
GRLQJLWULJKWLVXVLQJWKHULJKWNLQGRIWUDLQLQJ
SURJUDPDWUDLQLQJSURJUDPWKDWLVEDVHGRQUHDO
ZRUOGUHDOOLIH678))7+$7:25.6UDWKHUWKDQRQ
VRPHWKLQJVRPHJX\ZULWHVIRUDPXVFOHFRPLFEHFDXVH
KHQHHGVWRPDNHKLVGHDGOLQHIRUWKHXSFRPLQJLVVXH
DQGKHQHHGVWRPDNHLWQHZDQGGLIIHUHQWEHFDXVH
WKDW
VZKDWVHOOVPDJD]LQHV
$QGYHU\LPSRUWDQW\RXQHHGWRIROORZD
SURJUDPVXLWHGWR\RXUFXUUHQWOHYHORI
GHYHORSPHQW
7KHERWWRPOLQHLVWKLVWKHLGHDRIZULWLQJD
ERRNWKDWJLYHVDVHULHVRISURJUHVVLYHO\PRUH
GLIILFXOWWUDLQLQJSURJUDPVIRU'LQRVZDVD*5($7
LGHDDQGWKHUHDUHDEXQFKRI'LQRVZDONLQJ
DURXQGZKRDUHELJJHUDQGVWURQJHUWRGD\WKDQ
HYHUEHIRUHDQGLWVWKHUHVXOWRIWKH
SURJUDPVLQWKHERRNLQFOXGLQJWKRVH
OHJDQGEDFNSURJUDPVWKDWVHHPWRKDYHZRUNHG
SUHWW\GDUQZHOOIRUHYHU\RQHZKRWULHGWKHP
6RWRHYHU\RQHZKRRUGHUHG&+$/.$1'6:($7DQG
JDYHWKHSURJUDPVDWU\DQGJRWJUHDWUHVXOWV
7+$1.<28$QG'28%/(7+$1.<28WRHYHU\RQH
ZKRZURWHLQWRUHSRUWWKHLUUHVXOWV
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDW
GD\,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36<RXFDQH[SHULHQFHWKH&+$/.$1'6:($7SKHQRPHQRQ
IRU\RXUVHOIE\JUDEELQJDFRS\RIWKHOLWWOHPRQVWHU
IURPWKH'LQRVDXU7UDLQLQJERRNVWRUH
KWWSZZZEURRNVNXELNFRPFKDONBDQGBVZHDWKWPO
360\RWKHUERRNVFRXUVHVDQG'9'
VDUH
DYDLODEOHDWWKHXVXDOSODFH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\0RVWSHRSOHGRQ
WSODQ
WRIDLOWKH\IDLOWRSODQ-RKQ/%HFNOH\

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVEDFNWRWKHEDVLFVEHJLQQHUVFHOODU
GZHOOHUVDQGJDUDJHJRULOODVFKDONDQGVZHDWGLQRVDXUWUDLQLQJSURJUDPVKRPHJ\P
WUDLQLQJLQWHUPHGLDWHV

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

7ZR7\SHVRI7UDLQHHV:KLFK2QH$UH<RX"
+DLOWRWKH'LQRVDXUV
7ZRTXLFNQRWHVDQGWKHQOHW
VWDONWUDLQLQJ
1RWH1R
,
PJHWWLQJJUHDWIHHGEDFNIURP'LQRVZKRZDQW
WRDWWHQGD'LQRVDXU6WUHQJWK7UDLQLQJ6HPLQDU
LQ
,I\RX
UHLQWHUHVWHGVKRRWPHDQHPDLODQGOHW
PHNQRZZKHUH\RXOLYHDQ\QHDUE\FLWLHV\RX
FRXOGJHWWRHDVLO\WRSLFV\RX
GOLNHPHWR
FRYHUDQGDQ\LGHDVDERXWJ\PVWRXVHDV
VHPLQDUYHQXHV
,I\RXRZQDJ\PDQG\RX
GOLNHWRKRVWD
'LQRVDXU7UDLQLQJ6HPLQDUOHWPHNQRZDVDS
1RWH1R
:H
UHJHWWLQJWRQVRI+ROLGD\RUGHUVIURPZLYHV
JLUOIULHQGVVLVWHUVDQGPRPVDQG,DOZD\V
WU\WRHPDLOEDFNDQGDVNLIWKH\ZDQWPHWR
DXWRJUDSKWKHERRNRUFRXUVHDQGLIVRWKH
QDPHRIWKHSHUVRQZKRLVJHWWLQJLWVR,FDQ
SHUVRQDOL]HZKDW,VD\
7KDWWDNHVWLPHWKRXJKVRLIVRPHRQHLV
RUGHULQJDSUHVHQWIRU\RXSOVDVNWKHPWR
$6.)25$1$872*5$3+DQGOHWPHNQRZZKR
LVJHWWLQJWKHSUHVHQW8VHWKH6SHFLDO
,QVWUXFWLRQVVHFWLRQRIWKHRQOLQHRUGHU
IRUPWRUHTXHVWWKHDXWRJUDSK
6RPHGD\WKRVHDXWRJUDSKHGERRNVDQGFRXUVHV
ZLOOEHZRUWKPXFKZDPSXP6RPHRIWKHDXWRJUDSKHG
ILUVWHGLWLRQVRI'LQRVDXU7UDLQLQJ ,QXPEHUHGDQG
VLJQHGDOORIWKHILUVWHGLWLRQ DUH
VHOOLQJIRUFUD]\QXPEHUVQRZ OLNHRU
FODPV 
75$,1,1*7$/.
:KHQ,ZDVDKLJKVFKRROZUHVWOHU,QRWLFHGWKDW
WKHUHDOO\JRRGZUHVWOHUVWKHWRSJX\VLQWKH
GLVWULFWRUWKHVWDWHIHOOLQWRWZRGLVWLQFW
JURXSV
*URXSRQHLQFOXGHGWKHJX\VZKRKDGDQDPD]LQJ
QXPEHURIGLIIHUHQWPRYHVDQGWKH\ZHUHUHDOO\
JRRGDWDOORIWKHP<RXQHYHUNQHZZKDWWKH\ZHUH
JRLQJWRKLW\RXZLWK
*URXSWZRLQFOXGHGJX\VZKRKDGRQHRUWZREUHDG
DQGEXWWHUPRYHVXVXDOO\VLPSOHRQHVDQGWKH\
ZRUNHGWKHPDQGZRUNHGWKHPXQWLOWKH\ZHUH
XQVWRSSDEOH
%RWKPHWKRGVZRUNHG%RWKPHWKRGVSURGXFHGFKDPSLRQV
6WUHQJWKWUDLQLQJLVVLPLODU
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

6RPHJX\VGREHVWLIWKH\XVHDZLGHYDULHW\RI
GLIIHUHQWH[HUFLVHV1RWLQWKHVDPHZRUNRXWEXWRYHU
WKHFRXUVHRIWKH\HDU6L[ZHHNVRQRQHSURJUDPDQG
WKHQFKDQJHWKLQJVDURXQGDELW
2UXVHPLOLWDU\SUHVVDV\RXUSULPDU\SXVKLQJPRYHPHQW
IRUDZKLOHDQGWKHQVZLWFKWRDOWHUQDWHGXPEEHOO
SUHVVHVDQGWKHQWUDLQRQLQFOLQHSUHVVHVDQG
WKHQXVHSXVKSUHVVHVDQGWKHQXVHWKHFOHDQDQG
SUHVV
2WKHUOLIWHUVGREHVWLIWKH\VWLFNWRRQHZRUNRXWIRU
DORQJSHULRGRIWLPHRULIWKH\VWLFNWRRQHH[HUFLVH
IRUDORQJSHULRGRIWLPH7KH\QHHGWRZRUNWKHH[HUFLVH
XQWLOWKH\PDVWHULWFRPSOHWHO\DQGWKHQWKH\QHHGWR
VTXHH]HHYHU\ODVWGURSRIEHQHILWRXWRIWKHPRYHPHQW
,NQRZZKHUH,IDOO WKHODWWHUJURXS EXWRQO\<28
NQRZZKHUH\RXIDOO
,W
VLPSRUWDQWWRILJXUHLWRXW,W
VSDUWRIZKDWPDNHV
\RXDGLVWLQFWLQGLYLGXDOZLWKDYHU\GLVWLQFWEHVW
DSSURDFKWRWUDLQLQJ
6RWKLQNDERXWLWDQGGHFLGHZKLFKDSSURDFKZRUNVEHWWHU
IRU<28
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\,I
\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36,RIIHUPDQ\GLIIHUHQWH[HUFLVHVGLIIHUHQWZRUNRXWV
DQGGLIIHUHQWZD\VWRWUDLQLQP\YDULRXVERRNVFRXUVHV
DQG'9'
VDQGLQWKH'LQRVDXU)LOHVQHZVOHWWHUEXW
RQHWKLQJLVFHUWDLQHYHU\VLQJOHRQHRIWKHPZLOO
EXLOG75H[OHYHOVRIVWUHQJWKPXVFOHDQGSRZHU
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
365HPHPEHULI\RXZDQWDQDXWRJUDSKDOO\RXQHHGWR
GRLVDVNIRULW
367KRXJKWIRUWKH'D\(YHU\SHUVRQLVDXQLTXH
LQGLYLGXDOEXWWKHEDVLFVZRUNEHVWIRUHYHU\RQH%URRNV
.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGZRUNRXWVFHOODUGZHOOHUVDQGJDUDJHJRULOODVFKDPSLRQVKLS
WKLQNLQJGLQRVDXUWUDLQLQJSURJUDPVGLQRVDXUZRUNRXWV


V6W\OH7UDLQLQJIRU*UHDW*DLQV
+DLOWRWKH'LQRVDXUV
%DFNLQWKH
VWKHWRSERG\EXLOGHU
LQWKHZRUOGZDVDPDQQDPHG5HJ3DUN
ZKRZHLJKHGSRXQGVRIPXVFOHEHQFK
SUHVVHGSRXQGVVTXDWWHGSRXQGV
DQGKDQGOHGSRXQGVLQWKHSUHVVEHKLQG
QHFN E\VRPHDFFRXQWVIRU5(36 
:KHQKHZDVWUDLQLQJWRLQFUHDVHKLV
VWUHQJWKDQGPXVFXODUVL]HKLVZRUNRXWV
WRRNDERXWRQHKRXU-RKQ0F&DOOXPZDWFKHG
KLPWUDLQRQFHDQGWLPHGKLP7KHZRUNRXW
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

WRRNH[DFWO\RQHKRXUDQGILYHPLQXWHV
$QGKHWUDLQHGMXVWWKUHHWLPHVSHUZHHN
3DUN
VVKRUWKDUGKHDY\WUDLQLQJZRUNHG
SUHWW\ZHOOIRUKLP+HZRQWKUHH0U
8QLYHUVHWLWOHVEDFNZKHQWKH0U8QLYHUVH
WLWOHZDVWKHXOWLPDWHFURZQLQERG\EXLOGLQJ
$WWKHVDPHWLPHWKHWRS2O\PSLFZHLJKW
OLIWHULQWKHZRUOG7RPP\.RQRZDV
WUDLQLQJWKUHHWLPHVSHUZHHNIRUDERXW
RQHKRXUWRPLQXWHVSHUZRUNRXW2Q
WKDWVFKHGXOHKHZRQWZR2O\PSLFJROG
PHGDOVDQGVL[ZRUOGFKDPSLRQVKLSV
DQGVHW:RUOGUHFRUGV
1RZLISHRSOHKDGEHHQSD\LQJDWWHQWLRQ
WKH\PLJKWKDYHQRWLFHGVRPHWKLQJ7KHWRS
ERG\EXLOGHULQWKHZRUOGDQGWKHWRSZHLJKW
OLIWHULQWKHZRUOGZHUHWUDLQLQJMXVWWKUHH
WLPHVSHUZHHNIRUVRPHWKLQJOLNHWR
PLQXWHVSHUZRUNRXWDQGWKH\ZHUHJHWWLQJ
*5($7UHVXOWV/LWHUDOO\WKHEHVWUHVXOWVRI
DQ\RQHLQWKHZRUOGLQWKHLUUHVSHFWLYH
GLVFLSOLQHV
0HDQZKLOHRWKHUERG\EXLOGHUVZHUHVSHQGLQJ
DOOGD\WUDLQLQJDQGRWKHUOLIWHUVZHUH
OLIWLQJDOOGD\DQGWKH\ZHUHGRLQJLW
GD\DIWHUGD\DQGWKHLUUHVXOWVZHUH
QRZKHUHQHDUWKHUHVXOWVDFKLHYHGE\3DUN
DQG.RQRZLWKIDUOHVVZHHNO\WUDLQLQJ
,
PQRGLIIHUHQWWKDQDQ\RQHHOVH,RQFH
GLGZD\WRRPXFKWUDLQLQJDQGIRUDYHU\
ORQJWLPH,PDGHQRJDLQVDWDOO%XWWKHQ
,FXWEDFN EHFDXVHRIDQXQXVXDOO\EXV\
VFKHGXOHDWZRUN DQGDOORIDVXGGHQ
,VWDUWHGWRJHWELJJHUDQGVWURQJHU
,FXWEDFNHYHQPRUHDQGPDGHHYHQPRUH
SURJUHVV
,PDGHWUHPHQGRXVSURJUHVVRQDSURJUDP
ZKHUH,WUDLQHGWKUHHWLPHVSHUZHHNDQG
GLGMXVWWZRH[HUFLVHVSHUZRUNRXWIRU
MXVWIRXURUILYHVHWVSHUH[HUFLVH$QG,
KLWHDFKH[HUFLVHRQO\RQFHSHUZHHN
7KDWGRHVQ
WVRXQGOLNHPXFKEXW,JDLQHG
RYHUSRXQGVRIPXVFOHRQWKDWSURJUDP
DGGHGRYHUSRXQGVWRP\VTXDWDQGSXVKHG
P\EHQFKSUHVVWRWKHSRLQWZKHUH,ZDVDEOH
WRZLQILYHQDWLRQDOFKDPSLRQVKLSVLQGUXJ
IUHHFRPSHWLWLRQOLIWLQJLQWKHVXEPDVWHU
V
GLYLVLRQ
$QGP\H[SHULHQFHLVKDUGO\XQLTXH,
YHEHHQ
ZULWLQJDERXWDEEUHYLDWHGWUDLQLQJDQGGLYLGHG
ZRUNRXWVIRUFORVHWR\HDUVQRZDQGIRU
WKDWHQWLUHSHULRG,
YHEHHQJHWWLQJUHSRUWV
IURPUHDGHUVZKROLWHUDOO\FDQ
WEHOLHYHKRZ
PXFKWKH\JDLQ RUKRZIDVWWKH\JDLQ ZKHQ
WKH\VKRUWHQWKHLUZRUNRXWVFXWRXWHYHU\WKLQJ
EXWDKDQGIXORIWKHPRVWLPSRUWDQWH[HUFLVHV
DQGUHGXFHWKHLUZHHNO\WUDLQLQJVHVVLRQV
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV





'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJSURJUDPV

<RXFDQUHDGPRUHDERXWDEEUHYLDWHGWUDLQLQJ
DQGGLYLGHGZRUNRXWVLQ
'LQRVDXU7UDLQLQJ/RVW6HFUHWVRI6WUHQJWK
DQG'HYHORSPHQW
KWWSZZZEURRNVNXELNFRPGLQRVDXUBWUDLQLQJKWPO
6WUHQJWK0XVFOHDQG3RZHU
KWWSZZZEURRNVNXELNFRPVWUHQJWKBPXVFOHBSRZHUKWPO
*UD\+DLUDQG%ODFN,URQ
KWWSZZZEURRNVNXELNFRPJUD\KDLUBEODFNLURQKWPO
&KDONDQG6ZHDW
KWWSZZZEURRNVNXELNFRPFKDONBDQGBVZHDWKWPO
'LQRVDXU%RG\ZHLJKW7UDLQLQJ ZKLFKDSSOLHVWKH
VDPHSULQFLSOHVWRERG\ZHLJKWZRUNRXWV
KWWSZZZEURRNVNXELNFRPGLQRVDXUBERG\ZHLJKWKWPO
'LQRVDXU$UP7UDLQLQJ
KWWSZZZEURRNVNXELNFRPGLQRVDXUBDUPWUDLQLQJKWPO
5HPHPEHULILWZRUNHGIRU5HJ3DUNDQG7RPP\.RQRLW
ZLOOZRUNIRU<28
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\
DQGDJUHDWZHHNHQG,I\RXWUDLQWRGD\PDNHLWDJRRG
RQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36+HUH
VVRPHRQHHOVHZKRGLGRND\ZLWK'LQRVW\OH
ZRUNRXWVEDFNLQWKH
V
KWWSZZZEURRNVNXELNFRPGRXJBKHSEXUQKWPO
367KRXJKWIRUWKH'D\*UDEWKHEDUDQGVTXHH]H
LW6KRZLW\RXPHDQEXVLQHVV%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVFHOODUGZHOOHUVDQGJDUDJHJRULOODV
GLQRVDXUWUDLQLQJSURJUDPVROGVFKRROWUDLQLQJSURJUDPVROGWLPHVWURQJPHQUHJSDUN
WRPP\NRQR

+RPH

2OGHU3RVWV

6XEVFULEHWR3RVWV $WRP


KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOGLQRVDXUWUDLQLQJSURJUDPV



You might also like