bench playskool recall talking tool

Transcription

bench playskool recall talking tool
2QWKHUHYHUVHRIWKLVFDUGUHDGDERXWZKRIXQGHGWKH*UDQGSDUHQWLQJ7RROER[DQGWKHWHDPWKDWSURGXFHGLW
7KH<:&$/LVPRUH&RPPXQLWLHVIRU&KLOGUHQ,QLWLDWLYHLVVXSSRUWHGE\WKH$XVWUDOLDQ*RYHUQPHQWWKURXJKWKH
'HSDUWPHQWRI)DPLOLHV+RXVLQJ&RPPXQLW\6HUYLFHVDQG,QGLJHQRXV$IIDLUV)D+&6,$
7KLVVHFWLRQKDVHPHUJHQF\DQGIUHHKHOSOLQHQXPEHUVDQGOLVWRIXVHIXOZHEVLWHVDQGERRNV
,WDOVRLQFOXGHVFDUGZLWKLQIRUPDWLRQDERXW)LUVW$LG+RPH6DIHW\DQG3RLVRQV
• /RRNLQJ$IWHU<RXUVHOI
6RPHVHFWLRQVDUHGLYLGHGLQWRDJHJURXSVVRWKDW
• *HWWLQJ+HOS
\RXFDQTXLFNO\VHHZKDWPLJKWEHDIXQWKLQJWR
• &KLOGUHQ
V6HUYLFHV
GRZLWK\RXUJUDQGFKLOGEDVHGRQWKHVWDJHWKH\
• *URZLQJDQG&KDQJLQJ
• 6OHHSLQJ
%LUWK²PRQWKV
• (DWLQJDQG5HFLSHV
• 8VLQJ7KH/RR
• 2XWDQG$ERXW
PRQWKV
• +DSS\.LGV
• 3OD\
PRQWKVWR\HDUV
• 7DONLQJDQG/LVWHQLQJ
• 0XVLF
²\HDUV
• +HDOWK
• 6XEVWDQFH$EXVHLQ3UHJQDQF\
• &KLOGUHQZLWK6SHFLDO1HHGV
• 6KRSSLQJaZKDWGR\RXQHHGDQGKRZFDQ\RXJHWLWFKHDSO\"
2QWKHUHYHUVHRIWKLVFDUGUHDGDERXW'$,6,
:+20$'(7+,6.,7"
7KLVWRRONLWZDVIXQGHGE\WKH$XVWUDOLDQ*RYHUQPHQW'HSDUWPHQWRI)DPLOLHV
&RPPXQLWLHVDQG,QGLJHQRXV$IIDLUVWKURXJKWKH<:&$&RPPXQLWLHV)RU&KLOGUHQ
*UDVVURRWV3DUHQWLQJ3URJUDP
'$,6,'LVDELOLW\DQG$JHG,QIRUPDWLRQ6HUYLFHDXVSLFHGWKHSURMHFWWKURXJKWKHLU
*UDQGFDUHUDQG<RXWK,QLWLDWLYH'$,6,VWDIISDUWQHUHGZLWKSURMHFWRIILFHUVIURPWKH
<:&$DQG1RUWK&RDVW$UHD+HDOWK6HUYLFH&RPPXQLW\+HDOWKZRUNHUVWRSURGXFHWKHNLW
7KHFUHDWLYHWHDPZDVOHDGE\2OOLH+HDWKZRRGZKRGHVLJQHGDQGHGLWHGWKHNLWZLWK
JUDSKLFGHVLJQHU$QQHWWH'HDO5HVHDUFKHUVLQFOXGHG.DUHQ<HLJK0DUJDUHW+LOGHEUDQG
5HEHFFD6FRWW7DPOLQ0DFNHQ]LHDQG6LPRQH*RXOG7KHNLWLQFRUSRUDWHVLGHDVDQG
ZLVGRPIURP*UDQGFDUHUVZKRDUHSDUWRIRXUVXSSRUWJURXSVDFURVVWKHQRUWKFRDVW
%HIRUHSXEOLFDWLRQWKHNLWZDVUHYLHZHGE\DQXPEHURIJUDQGFDUHUV
)D+VFLD
'$,6,'LVDELOLW\DQG$JHG,QIRUPDWLRQ6HUYLFH
'$,6,SURYLGHVIUHHLQIRUPDWLRQRQVHUYLFHVDQGVXSSRUWVDYDLODEOHWRDVVLVWSHRSOH
ZLWKGLVDELOLWLHVDJHGSHRSOHDQGWKHLUIDPLOLHVFDUHUVDQGDGYRFDWHV
:HDUHEDVHGLQ/LVPRUHDQGVHUYLFHWKH)DU1RUWK&RDVWUHJLRQIURPMXVWQRUWKRI
:RROJRROJDWR7ZHHG+HDGV2XUDLPLVWRSURYLGHLQIRUPDWLRQWKDWLVUHOHYDQWDQG
DFFHVVLEOHWRSHRSOHZLWKGLVDELOLWLHVDJHGSHRSOHDQGWKHLUIDPLOLHVFDUHUVDQG
DGYRFDWHV
2XULQIRUPDWLRQVHUYLFHLVDYDLODEOH
DPWRSP0RQGD\WR)ULGD\
)5((&$//
:HRIIHUDZLGHUDQJHRIVHUYLFHVLQFOXGLQJ«
• $VVLVWDQFHZLWKORFDWLQJVHUYLFHVDQGVXSSRUWVDYDLODEOHRQWKH)DU1RUWK&RDVW
RI1HZ6RXWK:DOHV
• $IUHHTXDUWHUO\QHZVOHWWHUDQGIDFWVKHHWVRIUHOHYDQFHWRSHRSOHZLWK
GLVDELOLWLHVVHQLRUVDQGFDUHUV
$ZHEVLWHWKDWKRXVHVRXUQHZVOHWWHUIDFWVKHHWVDQGPDQ\OLQNVWRORFDO
VWDWHZLGHDQGQDWLRQDOVHUYLFHVZZZGDLVLDVQDX
• 3XEOLFDWLRQVDUHDOVRDYDLODEOHLQELJSULQWDXGLRWDSHDQGRQFRORXUHGSDSHU
• ACE Lismore 6622 1903
• St Johns Ambulance 6621 8044
• Red Cross 1300 367 428
We have used pictures from the Raising Children
website, but please try and get to a course so
that you can practise.
Local courses are offered by:
Do you know how to give CPR to small children?
Would you know how to deal with
• Poisoning or burns?
• Fits and fevers?
• Asthma & allergic reactions?
It is really worth refreshing your first aid skills every couple of years because things often
change quite rapidly. Many grandparents would remember the idea that one should suck the
venom out of snake bites. Thank goodness, things have changed radically since then!
Now we don’t touch the bite but apply a firm pressure bandage and immobilize the limb.
Many first aid techniques have changed.
FIRST AID
((")(#*$&&&
9333:$-
!;#333%$$+
• "$$;9333:$
• $-$!
$$<$"$)
• "-$
):7
• $+
"-"
'$1$
$
-&!
.
-
$
=
$$$$$!
+,-,.-
../
0
8$
<$"$$!
#*1")"(#$"((")(#*#$$2
,
$;#333%$$
!
+3,4
3../
,.0
435
/30
!"$6((!"($(
3RLVRQV,QIRUPDWLRQ&HQWUH676689-8:
;KUSDUHQWLQJKHOSOLQH
*
;KUSDUHQWLQJKHOSOLQH
;&RQILGHQWLDOKHOSIRUJUDQGSDUHQWVDQGSDUHQWV
<
:7=+
&KLOGDQG)DPLO\LQIRUPDWLRQ5HIHUUDOVHUYLFH+
><?@
,13
#
%%
%
A
/
%
)DPLO\'D\&DUHKRWOLQHRQ)5((&$//
1B%
.3
B
(DUO\&KLOGKRRG,QWHUYHQWLRQ,QIROLQH
2QWKHUHYHUVHRIWKLVFDUG\RXFDQUHDGDERXWVRPHYHU\XVHIXOZHEVLWHV
!$*7")(#*#(#
!
$$666666666666666666!6666666666
$$+
' * $'
$
««««««««««««««««««««««««««««««««««««««««««
««««««««««««««««««««««««««««««««««««««««««
««««««««««««««««««««««««««««««««««««««««««
««««««««««««««««««««««««««««««««««««««««««
([DPSOHV
6DOO\*LEERQV&ORVH)DPLO\IULHQG
'HUHN7KRPPV 8QFOH«
0\VROLFLWRULV««««««««««««««««««««««
0\ZLOOLVORFDWHGDW«««««««««««««««««««««««
2XUIDPLO\'RFWRULV«««««««««««««««««««««««3KRQH«««««««««««
,KDYHWKHIROORZLQJPHGLFDOFRQGLWLRQV
«««««««««««««««««««««««««««««««««««««««««««««««««««««
DQGPHGLFDWLRQLVVWRUHG«««««««««««««««««««««««««««««««««««««
1/,.:4
-%88+3.022,
$
-
-/
9,4
,+
,
+0
5
:4
,+3.02
>
-&$-
$
$-
=$$$$!?
<=$"6+.-+-%88:::2323
0#.0;
-.=$$$
"!-%88:::23:20,2,8-8/38
$)030*
,<
-%88:::2+032
+2,
'"$
:::2++03.023
2,8
4
,)037*
,<
$$"
1-'
"
!"$-
$$
-
$$-
$$-!)
$
$+
@A$$A($!
$$+
8$
8
*
$
#
3,
==&&=
>:4%:::2+032
+2,
)$$
*#,--
+03
'"1&RPPXQLWLHVIRU&KLOGUHQ$
$-$
--$8$!
$$
-!
'"
$
- '-$$$$
$$$$$-$-
$$$11- $
$
$$0&$!
'"BBCDDE33.+
<+$4$F
$
!$!
&RPPXQLWLHVIRU&KLOGUHQ!
<
/30
,304
,)"*1#(""
$#$166")"16
$
$
-$8$$!
G3
18"$
)-
08$-(0(
(8$0 $
.G3
-
$$$-$
$
$
!$$$
!&-$-
=$!
8$=H
I
$
I
I$
$-
I$J-$-$-
I$$$-
I-$--$
$!
BBCCE33C!
1/,.4
5
,.4
B' #
#
%!1#,1
%
B
#
0
% #
#
%
0
%
%C
%
%
6WUHVVDQG\RXUFKLOGKHOSLQJNLGVFRSHZLWKWKHVWUDLQVDQGSUHVVXUHVRIOLIH
DD!
#
6<<9#E;9:<6@7!)(,
7KHVHFUHWRIKDSS\FKLOGUHQ%DDD6<FF#E;9:<6D33
$JHVDQGVWDJHVDSDUHQW
VJXLGHWRQRUPDOFKLOGKRRGGHYHORSPHQW
#&6<77AG
18===#E;7=@876#
5DLVLQJVHOIUHOLDQWFKLOGUHQLQDVHOILQGXOJHQWZRUOGVHYHQEXLOGLQJEORFNVIRUGHYHORSLQJFDSDEOH
\RXQJSHRSOH"
8===#E;9:<6" &,
5HDG\VWDUWVFKRROQXUWXULQJDQGJXLGLQJ\RXUFKLOGWKURXJKSUHVFKRRONLQGHUJDUWHQ
'
8==6#;7H886'
7U\DQGPDNHPHVLPSOHVWUDWHJLHVWKDWWXUQRIIWKHWDQWUXPVDQGFUHDWHFRRSHUDWLRQ
%''2'8==6#E;9:<6 &I! JDPHVWRGGOHUVSOD\FUHDWLYHWLPHWRLPDJLQHJURZDQGOHDUQ&
#9:<@@& &RPSOHWHEDE\DQGFKLOGFDUH+#E;9:<6) &KLOGFDUHFDUGIRU«««««««««
FKLOG¶VQDPH
%
%
•
<RXUFRQWDFWQXPEHUJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ
•
$OWHUQDWLYHQXPEHUVRIIDPLO\RUIULHQGV4
%
5
JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ
•
(PHUJHQF\QXPEHUV3RLVRQFRQWUROBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
+RXVHDGGUHVV4
B
%
%JJJJJJJJJJJJJJJ
•
&KLOG¶VGRFWRU¶VQDPHDQGQXPEHUBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
/RFDOKRVSLWDOBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
&KLOG¶V0HGLFDUHQXPEHUBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
/RFDWLRQRIILUVWDLGNLWBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
&KLOGFDUHFDUGIRU«««««««««
FKLOG¶VQDPH
%
%
•
<RXUFRQWDFWQXPEHUJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ
•
$OWHUQDWLYHQXPEHUVRIIDPLO\RUIULHQGV4
%
5
JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ
•
(PHUJHQF\QXPEHUV3RLVRQFRQWUROBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
+RXVHDGGUHVV4
B
%
%JJJJJJJJJJJJJJJ
•
&KLOG¶VGRFWRU¶VQDPHDQGQXPEHUBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
/RFDOKRVSLWDOBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
&KLOG¶V0HGLFDUHQXPEHUBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
/RFDWLRQRIILUVWDLGNLWBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
&KLOGFDUHFDUG
%
%
•
<RXUFRQWDFWQXPEHUJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ
•
$OWHUQDWLYHQXPEHUVRIIDPLO\RUIULHQGV4
%
5
JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ
•
(PHUJHQF\QXPEHUV3RLVRQFRQWUROBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
+RXVHDGGUHVV4
B
%
%JJJJJJJJJJJJJJJ
•
&KLOG¶VGRFWRU¶VQDPHDQGQXPEHUBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
/RFDOKRVSLWDOBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
&KLOG¶V0HGLFDUHQXPEHUBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
/RFDWLRQRIILUVWDLGNLWBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
&KLOGFDUHFDUG
%
%
•
<RXUFRQWDFWQXPEHUJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ
•
$OWHUQDWLYHQXPEHUVRIIDPLO\RUIULHQGV4
%
5
JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ
•
(PHUJHQF\QXPEHUV3RLVRQFRQWUROBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
+RXVHDGGUHVV4
B
%
%JJJJJJJJJJJJJJJ
•
&KLOG¶VGRFWRU¶VQDPHDQGQXPEHUBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
/RFDOKRVSLWDOBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
&KLOG¶V0HGLFDUHQXPEHUBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
•
/RFDWLRQRIILUVWDLGNLWBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
!"#6"/
44,0=
%HLQJSUHSDUHGDQGFKHFNLQJIRUYLWDOVLJQV
!"#6"/
44,0=
&KHVWFRPSUHVVLRQV
!"#6"/
44,0=
5HVFXHEUHDWKLQJ
!"
0
:3.03
5+
:KDWWRGRZKHQDFKLOGLVFKRNLQJ
!"3.03
5+
&OHDULQJDEORFNDJH²EDELHVXQGHU\HDU
!"'26((!"(
A%
3RLVRQV,QIRUPDWLRQ&HQWUH
676689
#
H8:
,QWKHFDVHRIDQHPHUJHQF\&DOO
)
%
!"
0
:3.03
5+
&OHDULQJDEORFNDJH²FKLOGUHQRYHU\HDU
!"!"6(()
,)6:$//2:('
•
•
•
'2127%?
'2
K
,),1+$/('
•
"
K
K%
•
#
•
AA
===
(<(66.,1
•
6@
4
5
!"++?/@
6$6#A, )LUVWDLGPDQDJHPHQWRIVHL]XUHV
#
B
3
B
L
%
)
L
%
C
/
L
•
•
•
•
•
•
,QIRUPDWLRQ\RXQHHGWRJLYHWRWKHHPHUJHQF\VHUYLFHV
K
K
K
K
%
2QWKHUHYHUVHRIWKLVFDUGUHDGDERXWPDNLQJ\RXUKRXVHVDIHE\SUHYHQWLQJEXUQV
!"<+!4.3
<,.
)HEULOHFRQYXOVLRQVDUHVHL]XUHVZKLFKDUHEURXJKWRQE\DVXGGHQULVHLQDFKLOG¶V
WHPSHUDWXUH
%
•
$OWKRXJKFRQYXOVLRQVFDQEHGLVWUHVVLQJWRZLWQHVVLWLVLPSRUWDQWWRVWD\FDOP7KHUHLV
QRWKLQJ\RXFDQGRWRVWRSWKHVHL]XUH
2EVHUYH\RXUFKLOG¶VV\PSWRPVFORVHO\
L
/'RQRWSODFH
DQ\WKLQJLQWR\RXUFKLOG¶VPRXWK
•
•
'RQRWDWWHPSWWRSODFH\RXUFKLOGLQDFRROEDWKGXULQJWKHILW
%
B
•
0RVWVHL]XUHVZLOOODVWIRU±PLQXWHV
%'RQRWDWWHPSWWRGULYHDFKLOGZKRLVKDYLQJD
FRQYXOVLRQWRWKHKRVSLWDOZLWKRXWWZRDGXOWVSUHVHQW?
%
,I\RXUFKLOGKDVDVHL]XUHZKLFKODVWVIRUPRUHWKDQPLQXWHV
RULIKHIDLOVWRUHJDLQFRQVFLRXVQHVVDIWHUWKHFRQYXOVLRQVWRSVFDOODQGUHTXHVW
LPPHGLDWHPHGLFDODWWHQWLRQ
!1
6">(()1"(
$!
53$
$$!1$
!
'<@<*$
-$-
4,4!$$
$K
!
$$
!.$&$$$
$!
$$$.33.--.3=
!'<@<*
$
!
$$$
$
$$!
!1 .33.--.3
,-.,+.33.--.3
:0.33.3
0
$!J$=$
$
$
$$
!6.3-
3<3
<
...33.
,.2
,!$$-$+
><$$$$
!)$8
$!$
$$$!(
-
$$$$
$$$!.$$
$7-
$H&$$
!$
$
8$$
$
$$!*-$$
$
-$$!
!
-$!³
,
=$-
$$
$
$
$$$$$!
!1 -<+-
+
32,621,1*35(9(17,21
3XUFKDVHSURGXFWVLQFKLOGUHVLVWDQWFRQWDLQHUVZKHUHYHUSRVVLEOH
•
4
%
5
8VHPHGLFLQHVDQGFKHPLFDOVVDIHO\DQGUHWXUQWKHPWRORFNHGFXSERDUGV
•
•
8VHVDIHUFOHDQHUV%
4A
5
•
(QVXUHDOOSURGXFWVDUHNHSWVWRUHGLQWKHLURULJLQDOFRQWDLQHUV
4
5
•
.HHSDOOSDLQWSURGXFWVRXWRIVLJKW
•
%HH[WUDYLJLODQWZKHQ\RXDUHVWD\LQJLQXQIDPLOLDUVXUURXQGLQJV4
%
5
%4
5
0HDVXUHPHGLFLQHGRVHVFDUHIXOO\?%
•
!1 ##$
,B2
•
,$---$
$L
•
-$-=$$$
$-
L
=$-L
•
-$-$$$$L
•
$$$
L
•
,$$$
$8$L
/-B2
$$$!
,
$$!
J$$-$$
J
!
$$!..3
0C+
-
<.5
/+,.
-$
!
M$$
$!
$
$:$$!
:$$$
-
-$$!
!1 3UHYHQWLQJ3RLVRQLQJ
$FFLGHQWDOSRLVRQLQJE\LQJHVWLRQRIPHGLFLQHVLVWKHFRPPRQHVWFDXVHRISRLVRQLQJLQ
$XVWUDOLDDFFRXQWLQJIRURIDOOFDVHV
RXWRIFDVHVRIVZDOORZHGSRLVRQVRFFXULQFKLOGUHQDJHGOHVVWKDQILYH\HDUV
7$.(&$5(:,7+7+()2//2:,1*,7(06
+RXVHKROGFOHDQHUV;
,
A
3HVWLFLGHVDQGJDUGHQSURGXFWV;
A
$OOPHGLFDOSURGXFWV
/
%
$OOEHDXW\DQGSHUVRQDOLWHPV;
%
A
4
5
4%
A
5
3RLVRQV,QIRUPDWLRQ&HQWUH
+6
0,33.-
0
$$$$J
!$$$0-
$!
•
<$$$8$$$$$
$$$$&$!M$!
•
-$$8$$J
!
•
$8$
!
•
$8-$$
$$$!$$
$!
•
)$8$$
$$
$!
•
*$8!
•
$8$$$
$-
•
"
$<
$
!
Worried about your grandchild’s development?
For the cost of a local call phone
Early Intervention Infoline: 130065 68 65
Child Care and Family Info Line Freecall: 1800 803 820
Mon-Friday 9am—5 pm, for information about services and
help in your area.
Karitane 24 hour parenting information and counseling 1800 677 96
Confidential parenting help for Grandparents.
Parent Line 132 055
9.00 am to 4.30 pm Monday to Saturday
Do you need financial help? Call Centrelink on 13 6150 and also
Call DoCS Helpline: 132 111 - you may be entitled to a
fortnightly payment to help you to provide for your grandchildren.
Grandcarer and Youth Initiative
DAISI (Disability and Aged Information Service Inc) in Lismore runs a
support program for grandparents raising their grandchildren,
call between Mon - Fri 8.30 am to 4.30 pm on 6622 8002
GET HELP
*(77,1*+(/3)LQDQFLDO$VVLVWDQFH
6XSSRUWHG&DUH$OORZDQFHPD\EHSD\DEOHZKHQFKLOGUHQOLYHZLWK\RXWKURXJKDQLQIRUPDOIDPLO\
DUUDQJHPHQWZKHQWKHUHLVQR&KLOGUHQ¶V&RXUWRUGHU,WLVDOVRDYDLODEOHWRIDPLOLHVZKRKDYHRUGHUVXQGHUWKH
)DPLO\/DZ$FW7KLVLVQRWDQDXWRPDWLFSD\PHQW
3ULRUWRUHFHLYLQJWKLVSD\PHQW'R&6ZLOOFRQGXFWD6XSSRUWHG&DUH$VVHVVPHQW'XULQJWKLVDVVHVVPHQW
WKH\ZLOOGHWHUPLQHLIWKHSODFHPHQWLVLQWKHEHVWLQWHUHVWVRIWKHFKLOG7KH6XSSRUWHG&DUH$OORZDQFHLVQRW
PHDQVWHVWHGKRZHYHU\RXULQFRPHPD\DIIHFW\RXUHOLJLELOLW\7KLVLVEHFDXVHLWPXVWEHGHPRQVWUDWHGWKDW
WKH$OORZDQFHLVQHFHVVDU\WRPDLQWDLQWKHSODFHPHQWWKHUHIRUHSUHYHQWLQJWKHFKLOGIURPHQWHULQJWKHFDUH
RIWKH'HSDUWPHQW,I\RXDUHGRLQJLWWRXJKLWLVLPSRUWDQWWKDW\RXVD\VR7KHVHDVVHVVPHQWVDUHRQO\
DYDLODEOHZKHQRIILFHVKDYHWKHUHVRXUFHVWRXQGHUWDNHWKHPEXWGRQ¶WJLYHXSNHHSFDOOLQJDQGHYHQWXDOO\
\RXZLOOEHDVVHVVHG3D\PHQWVDUHXVXDOO\EDFNSDLGWRWKHGDWHRI\RXUILUVWHQTXLU\VRGRQ¶WSXWLWRIILI
\RXFRXOGGRZLWKWKHKHOS:KHQDUHODWLYHKDVEHHQJUDQWHGVROHSDUHQWDOUHVSRQVLELOLW\WKURXJKWKH
&KLOGUHQ¶V&RXUWDSUHYLRXVDVVHVVPHQWZRXOGKDYHGHWHUPLQHGWKHPWREHDQ$XWKRULVHG5HODWLYH&DUHUDQG
WKH6XSSRUWHG&DUH$OORZDQFHLVDXWRPDWLFDOO\SDLG
$OORZDQFHVDUHQRWFRQVLGHUHGWD[DEOHLQFRPHDQGDUHLQGH[HGHDFK-XO\LQOLQHZLWKWKH&RQVXPHU3ULFH
,QGH[&3,7KHFXUUHQW$OORZDQFH$SULOUDWHVDUH
\HDUV
SHUIRUWQLJKW
\HDUV SHUIRUWQLJKW
\HDUV SHUIRUWQLJKW
),1'287+2:72$33/<)257+,63$<0(17%<5($',1*7+(%$&.2)7+,6&$5'
*(77,1*+(/3&HQWUHOLQN)LQDQFLDO$VVLVWDQFH
,I\RXDUHDJUDQGSDUHQWRUUHODWLYHFDULQJIRUDFKLOG\RXPD\EHHOLJLEOHIRUDVVLVWDQFHIURPWKH)DPLO\
$VVLVWDQFH2IILFHWKH&KLOG6XSSRUW$JHQF\&HQWUHOLQNDQG0HGLFDUH
<RXUFDUHPD\EHDIRUPDORULQIRUPDODUUDQJHPHQW)RUPDODUUDQJHPHQWVLQFOXGHWKRVHZKHUHWKHFDUHRIWKH
FKLOGLVEHLQJPDQDJHGE\DVWDWHRUWHUULWRU\ZHOIDUHDXWKRULW\RUZLWKDIDPLO\ODZSDUHQWLQJRUGHULQSODFH
,QIRUPDODUUDQJHPHQWVDUHWKRVHZKHUHIDPLO\PHPEHUVKDYHFRPHWRDSULYDWHDJUHHPHQWDERXWZKRFDUHV
IRUWKHFKLOG1RWHJUDQGSDUHQWVDQGUHODWLYHVZLOOQRWJHQHUDOO\EHHOLJLEOHIRUDVVLVWDQFHLIWKHSDUHQWVRIWKH
FKLOGDOVROLYHLQWKHVDPHKRXVHKROG
7RUHFHLYH)DPLO\$VVLVWDQFH\RXQHHGWRPHHWHOLJLELOLW\UHTXLUHPHQWVZKLFKLQFOXGHLQFRPHWHVWV$XVWUDOLDQ
UHVLGHQFHVWDWXVDQGKDYLQJFDUHIRUDGHSHQGHQWFKLOG<RXVKRXOGFRQWDFWWKH)DPLO\$VVLVWDQFH2IILFHRQ
<RXPD\EHDEOHWRJHW)DPLO\7D[%HQHILWDQGRU&KLOG&DUH%HQHILWLQFOXGLQJWKH&KLOG&DUH7D[
5HEDWH6HHUHYHUVHRIWKLVFDUGIRULQIRUPDWLRQDERXW&KLOGFDUH%HQHILWV
)DPLO\7D[%HQHILW3DUW$KHOSVZLWKWKHFRVWRIUDLVLQJFKLOGUHQ3D\PHQWLVDVVHVVHGRQWKHIDPLO\¶V
FRPELQHGLQFRPHDQGLVSDLGSHUFKLOG
)DPLO\7D[%HQHILW3DUW%LVH[WUDDVVLVWDQFHIRUIDPLOLHVLQFOXGLQJVLQJOHSDUHQWIDPLOLHVZLWKRQHPDLQ
LQFRPH3D\PHQWLVEDVHGRQWKHDJHRIWKH\RXQJHVWFKLOGDQGLVVXEMHFWWRDQLQFRPHWHVW
0DWHUQLW\,PPXQLVDWLRQ$OORZDQFHLVDQRQLQFRPHWHVWHGSD\PHQWWRHQFRXUDJHSDUHQWVRUFDUHUVWR
LPPXQLVHWKHLUFKLOGUHQ,WLVJHQHUDOO\SDLGLQWZRVHSDUDWHLQVWDOOPHQWV
+RZWRDSSO\IRU'R&63D\PHQWV
7RDSSO\IRUWKH6XSSRUWHG&DUH$OORZDQFHDQGLQLWLDWHD6XSSRUWHG&DUH$VVHVVPHQW\RXPXVWUHJLVWHU
WKURXJKWKH'R&6+HOSOLQHRQ
•
:KHQSURPSWHGSUHVVRQ\RXUSKRQHWRJRVWUDLJKWWRDFDVHZRUNHU
•
6D\WKDWWKLVLVDµUHTXHVWIRUDVVLVWDQFH¶DVRSSRVHGWRDFKLOGSURWHFWLRQUHSRUW
7KH+HOSOLQHZLOOWKHQIRUZDUG\RXUGHWDLOVWR\RXUORFDO'R&6RIILFHWKDWZLOOSULRULWLVHWKHZRUNLQOLQH
ZLWK'HSDUWPHQWDOSROLFLHVDQGZLWKDYDLODEOHVWDII,IDQDVVHVVPHQWLVWRWDNHSODFHLWZLOOLQFOXGH
‡
‡
‡
‡
‡
•
DKRPHYLVLWWRWDONZLWKDOODGXOWVLQWKHKRPHDQGWKHFKLOGUHQZKRKDYHHQWHUHG\RXUFDUH
Dµ:RUNLQJZLWK&KLOGUHQ¶FKHFNIRUDOOSHRSOHRYHU\HDUVRIDJHZKRUHVLGHLQWKHKRPH
D16:FULPLQDOUHFRUGFKHFN
DSULRU'R&6KLVWRU\FKHFN
DQLQFRPHDVVHVVPHQWDQG
LQVRPHFLUFXPVWDQFHVDPHGLFDODVVHVVPHQW
7KLVSURFHVVFDQVHHPGDXQWLQJEXWVWLFNDWLW'2&6VWDIIDUHEDWWOLQJZLWKKXJHZRUNORDGVDQGDOVR
FKLOGUHQDWJUDYHULVNZLOOWDNHSULRULW\RYHU\RXUFDVHEXWWKDWGRHVQ¶WPHDQWKDW\RXZRQ¶WHYHQWXDOO\JHW
ILQDQFLDOKHOSLI\RXSDWLHQWO\VWLFNDWLW0DNHVXUHWKDW\RXKDYHDOOGRFXPHQWVSKRWRFRSLHGWKUHHRIHDFK
DWOHDVWDQGNHHSWKHPLQDIROGHU1RWHDOOSKRQHFDOOVWR'R&6WLPHDQGGDWHDQGZKDW\RXKDYHEHHQ
WROGDQGNHHSWKDWUHFRUGLQ\RXU'2&6IROGHUWRR7KDWZD\LIDQ\RI\RXUSDSHUZRUNJRHVPLVVLQJ\RX
KDYHUHSODFHPHQWVUHDG\WRJR
*(77,1*+(/3&KLOGFDUH$VVLVWDQFH
&KLOG&DUH%HQHILWKHOSVZLWKWKHFRVWRIFKLOGFDUH,WLVDYDLODEOHIRUFKLOGUHQXVLQJDSSURYHGRU
UHJLVWHUHGFKLOGFDUH&KLOG&DUH%HQHILWIRUDSSURYHGFDUHFDQEHFODLPHGDVUHGXFHGFKLOGFDUHIHHVRU
DVDOXPSVXPSD\PHQW$VDJUDQGSDUHQWZLWKSULPDU\FDUHRI\RXUJUDQGFKLOG\RXPD\EHHQWLWOHGWR
H[WUDDVVLVWDQFHZLWKWKHFRVWVRIDSSURYHGFKLOGFDUH1RWHLI\RXDOUHDG\JHW)DPLO\7D[%HQHILWIRU
WKHFKLOG\RXFDQFODLP&KLOG&DUH%HQHILWRYHUWKHSKRQHDQG\RXZLOOQRWQHHGWRFRPSOHWHDQ
DGGLWLRQDOFODLPIRUPFDOO
7KHZRUNVWXG\WUDLQLQJWHVWLVZDLYHGIRUHOLJLEOHJUDQGSDUHQWVVRWKH\FDQDFFHVVXSWRKRXUVRI
&KLOG&DUH%HQHILWIRUHDFKFKLOGHDFKZHHN
(OLJLEOHJUDQGSDUHQWVZKRUHFHLYHDQLQFRPHVXSSRUWSD\PHQWVXFKDVDSHQVLRQIURP&HQWUHOLQNZLOO
UHFHLYH*UDQGSDUHQW&KLOG&DUH%HQHILW7KLVFRYHUVWKHIXOOFRVWRIDSSURYHGFKLOGFDUHIRUXSWR
KRXUVIRUHDFKFKLOGHDFKZHHN7KLVFDQRQO\EHFODLPHGDVUHGXFHGIHHV
([WUDDVVLVWDQFHPD\EHDYDLODEOHLQH[FHSWLRQDOFDVHVZKHUHDIDPLO\LVH[SHULHQFLQJVKRUWWHUPILQDQFLDO
KDUGVKLSDQGUHTXLUHVFKLOGFDUH<RXUFKLOGFDUHSURYLGHUDQGWKH)DPLO\$VVLVWDQFH2IILFHFDQDGYLVH
\RXDERXWWKHH[WUDDVVLVWDQFH\RXPD\EHDEOHWRUHFHLYH
+2:'2<280$.($&/$,0"
7RGHWHUPLQHZKHWKHU\RXDUHHOLJLEOHIRUDSD\PHQWRURWKHUDVVLVWDQFHWKH)DPLO\$VVLVWDQFH2IILFH
QHHGVLQIRUPDWLRQDERXW\RXUFLUFXPVWDQFHV<RXFDQORGJHDFODLPRQOLQHDWZZZIDPLO\DVVLVWJRYDX
RUE\FDOOLQJRUE\YLVLWLQJD)DPLO\$VVLVWDQFH2IILFH
*(77,1*+(/33HUVRQDO6XSSRUW
7+(*5$1'&$5(5$1'<287+,17,$7,9(68332576*5$1'3$5(176:+2
$5(5$,6,1*7+(,5*5$1'&+,/'5(1
7KLVVHUYLFHLVDXVSLFHGE\'$,6,ZLWKDKRPHEDVHLQ/LVPRUHWKH\FRYHUWKHDUHD
IURP*UDIWRQWRWKH7ZHHG7KH\DLPWRVXSSRUWJUDQGSDUHQWVZKRDUHSULPDU\FDUHUV
WKURXJKWKHSURYLVLRQRIUHVRXUFHVUHVLOLHQFHEXLOGLQJDFWLYLWLHVDQGWKHHVWDEOLVKPHQW
RIVXSSRUWJURXSV7KHLUDLPLVWKDWJUDQGSDUHQWVUDLVLQJWKHLUJUDQGFKLOGUHQZLOO
EHFRPHPRUHUHVLOLHQWWKURXJKEHLQJ
9LVLEOHDQGVXSSRUWHG,QYROYHGDQGFRQQHFWHG+HDUGDQGUHVSHFWHG
7KH\VXSSRUWDZLGHUDQJHRIDFWLYLWLHVLQFOXGLQJ
*DWKHULQJDQGVKDULQJXVHIXOLQIRUPDWLRQ
*UDQGFDUHUVVXSSRUWJURXSV
)DPLO\RXWLQJVDQGJHWWRJHWKHUV
5HJXODUQHZVOHWWHUV
3URYLGLQJUHVRXUFHVDERXW*UDQGSDUHQWLQJ
•
•
•
•
•
&RQWDFWE\FDOOLQJ
9LVLWWKHZHEVLWH
ZZZJUDQGFDUHUVRUJDX
217+(%$&.2)7+,6&$5'5($'
$%287$6&+(0(72+(/3<28$1'
<285)$0,/<$&&(6668%6,',6('
&2816(/,1*6(59,&(6
*(77,1*+(/35HVSLWHDQG6SHFLDO1HHGV
8QIRUWXQDWHO\XQOHVV\RXKDYHDJUDQGFKLOGZLWKVSHFLDOQHHGV\RXUUHVSLWHRSWLRQVDUHYHU\OLPLWHG<RXDUHDEOHWRDFFHVV
KRXUVRIVXEVLGLVHGFKLOGFDUHDZHHNWKRXJKDQGWKLVFDQPDNHDELJGLIIHUHQFH6HHWKHSUHYLRXVFDUGDERXW&HQWUH
OLQN&KLOGFDUHEHQHILWV7KH'HSDUWPHQWRI$JHLQJ'LVDELOLW\DQG+RPH&DUHDVVHVVDQGDVVLVWFKLOGUHQDQGWKHLUIDPLOLHV
ZKHUHWKHUHDUHVSHFLDOQHHGV7KH\SURYLGHPDQ\IRUPVRIDVVLVWDQFHVHHWKHEDFNRIWKLVFDUGIRUPRUHLQIRUPDWLRQ
:KRFDQJHWIXQGLQJ"
)DPLOLHVPXVWEHFDULQJIRUDFKLOGRU\RXQJSHUVRQZKRKDVDGLVDELOLW\UHFRJQLVHG
XQGHUWKH'LVDELOLW\6HUYLFHV$FWRFFDVLRQLQJDVLJQLILFDQWIXQFWLRQDOLPSDLUPHQW
DQGZKRLV
• DUHVLGHQWRI16:
• XQGHU\HDUVRIDJH
• OLYLQJZLWKWKHLUELUWKRUDOWHUQDWLYHIDPLO\DQG
'$'+&3KRQH
• FXUUHQWO\UHFHLYLQJFDVHPDQDJHPHQWIURP'$'+&RUD
'$'+&IXQGHGVHUYLFHSURYLGHU
3OHDVHQRWHHOLJLELOLW\GRHVQRWDXWRPDWLFDOO\PHDQDIDPLO\ZLOOUHFHLYHVXSSRUWWKURXJKWKH)DPLO\$VVLVWDQFH)XQG
3ULRULW\ZLOOEHJLYHQWRIDPLOLHV
•
•
•
RQORZWRPRGHUDWHLQFRPHVLQRUOHVVSHUDQQXP
ZKHUHWKHFKLOGRU\RXQJSHUVRQKDVPXOWLSOHRUFRPSOH[PHGLFDODQGEHKDYLRUDOQHHGVDQGRUZKHUH
SDUHQWVKDYHKHDOWKRURWKHULVVXHVLPSDFWLQJRQWKHLUFDSDFLW\WRPDQDJHEHKDYLRUVURXWLQHVDQGVWUHVVHV
ZKHUHWKHFDUHRIWKHFKLOGRU\RXQJSHUVRQZLWKDGLVDELOLW\LVKDYLQJDVLJQLILFDQWLPSDFWRQWKH
ZHOOEHLQJRIWKHLUVLEOLQJV
*(77,1*+(/3&RXQVHOLQJ
$FFHVVWR$OOLHG3V\FKRORJLFDO6HUYLFHV3URMHFW$7$36
7KURXJK$7$36\RXDUHHOLJLEOHIRUDPD[LPXPRIVXEVLGLVHGRUIUHHVHVVLRQVSHUFDOHQGDU
\HDU$7$36DLPVWRSURYLGH\RXZLWKDVVLVWDQFHYLDVKRUWWHUPLQWHUYHQWLRQ,I\RXRU\RXUJUDQG
FKLOGKDYHPLOGWRPRGHUDWHH[SHULHQFHVRIWKHIROORZLQJFRQGLWLRQV\RXPD\EHHOLJLEOH
(DWLQJGLVRUGHUV
0L[HGDQ[LHW\DQGGHSUHVVLRQ
%HUHDYHPHQWGLVRUGHUV
6OHHSSUREOHPV
'HSUHVVLRQ
'LVVRFLDWLYHFRQYHUVLRQGLVRUGHU
3DQLF
+\SHUNLQHWLFDWWHQWLRQGHILFLW
3V\FKRORJLFDOVWUDWHJLHVZKLFKPD\EHSURYLGHGLQFOXGH
3V\FKRHGXFDWLRQ
&RJQLWLYH%HKDYLRUDO7KHUDS\
5HOD[DWLRQ6WUDWHJLHV6NLOOV7UDLQLQJ,QWHUSHUVRQDO7KHUDS\
6HH\RXU*3\RXZLOOQHHGWLPHWRILOORXWDOHQJWK\TXHVWLRQQDLUHZKHUH\RXQHHGWRJLYH
LQIRUPDWLRQDERXWIHHOLQJGHSUHVVHGRUDQ[LRXVKDYLQJVOHHSGLIILFXOWLHVVWUXJJOLQJWRGHDOZLWK
VWUHVVRYHUZKHOPHGE\DQJHURUJULHI7KLVZLOOHQDEOH\RXWRDFFHVVIUHHFRXQVHOLQJDQGVXSSRUW
WRKHOS\RXIHHOEHWWHU7KHVHUYLFHLVDOVRDYDLODEOHIRUFKLOGUHQ
*(77,1*+(/3IURP'$'+&
)DPLO\$VVLVWDQFH)XQGDVRI$SULO:KDWFDQEHIXQGHG"
)XQGLQJFDQEHXVHGE\DIDPLO\WRSXUFKDVHHTXLSPHQWDQGVHUYLFHVLQFOXGLQJEXWQRWOLPLWHGWR
•
•
•
•
•
•
•
•
•
•
•
•
SXUFKDVHRIDVVLVWLYHHTXLSPHQW
UHVRXUFHVWRSURPRWHSOD\DQGLQWHUDFWLRQIRUWKHFKLOGWKHLUVLEOLQJVDQGRUSDUHQWV
UHFUHDWLRQDFWLYLWLHVIRUWKHFKLOGDQGRWKHUFKLOGUHQLQWKHIDPLO\
VNLOOVGHYHORSPHQWLQGHSHQGHQFHEXLOGLQJDFWLYLWLHV
DFFHVVLQJFRPPXQLW\DFWLYLWLHVWKDWSURPRWHLQFOXVLRQRIWKHFKLOGDQGIDPLO\LQWKHFRPPXQLW\
DQGVWUHQJWKHQIDPLO\UHVLOLHQFH
QHZUHVRXUFHVWRVXSSRUWWKHFKLOGRU\RXQJSHUVRQWKURXJKWUDQVLWLRQVWDJHVDQGKHOSIDPLOLHV
PDQDJHFDUHFKDQJHV
VHUYLFHVRUUHVRXUFHVWRLQFUHDVHFDULQJVNLOOVSDUHQWLQJVNLOOVFRPPXQLFDWLRQDQGLPSURYH
IDPLO\URXWLQHVLQWKHORQJHUWHUP
IRUPVRISHUVRQDOVXSSRUWIRUIDPLO\PHPEHUVLQFOXGLQJVLEOLQJV
FRQQHFWLRQZLWKH[WHQGHGIDPLO\VXSSRUWVRURWKHUVLPLODUVXSSRUWV
HTXLSPHQWVXSSRUWWRDVVLVWWKHFKLOGRUIDPLO\¶VFRPPXQLW\LQYROYHPHQWDQGWKHGHYHORSPHQW
RISHUVRQDOVXSSRUWSHHUQHWZRUNV
PLQRUPRGLILFDWLRQVWRWKHKRXVHDQGJDUGHQWRSURYLGHDVDIHVHFXUHHQYLURQPHQWDFDU
PRGLILFDWLRQRUWUDQVSRUWDWLRQHJDFFHVVWRVHUYLFHVDQG
SXUFKDVHRIRUFRQWULEXWLRQWRZDUGVVHOHFWHGKRXVHKROGLWHPVWKDWDUHRWKHUZLVHQRWDIIRUGDEOH
DQGZLOOUHOLHYHVWUHVVDQGRUHQKDQFHIDPLO\FDSDFLW\
*(77,1*+(/32WKHU6XSSRUWV
0LUDEHODVVLVWVFKLOGUHQZKRKDYHEHHQRUSKDQHGRUDEDQGRQHG
GXHWRSDUHQWDOLOOLFLWGUXJXVHDQGDUHQRZLQWKHFDUHRIH[WHQGHG
IDPLO\NLQVKLSFDUH0LUDEHOEHOLHYHVWKDWHYHU\FKLOGGHVHUYHVD
FKLOGKRRGDQGLWVPLVVLRQLVWREUHDNWKHGHVWUXFWLYHF\FOHRI
DGGLFWLRQDQGGLVDGYDQWDJH0LUDEHOSURYLGHVDGYRFDF\UHIHUUDO
UHVHDUFKSUDFWLFDODQGHPRWLRQDODVVLVWDQFHWRWKHFKLOGUHQDQG
WKHLUNLQVKLSFDUHUV%DVHGLQ9LFWRULDWKH\DUHQRZRIIHULQJ
VHUYLFHVLQ16:7KH\KDYHKHOSHGORFDOJUDQGSDUHQWVZLWKDOO
NLQGVRIH[SHQVHVDQGVWKH\DUHJUHDWSHRSOHWRWDONWRDERXW\RXU
QHHGV&DOOWKHPDQGDVNWKHPWRFDOO\RXEDFNDVWKH\DUHEDVHGLQ
0HOERXUQH3KRQH
(PDLOPLUDEHO#PLUDEHOIRXQGDWLRQRUJDX
0LUDEHO
0LUDEHO¶VVHUYLFHVLQ16:LQFOXGH
•
•
•
•
•
•
•
•
$VVHVVPHQWRIQHHGV
5HIHUUDOWRVSHFLDOLVWVHUYLFHV
7HOHSKRQHFRXQVHOOLQJDQG
VXSSRUW
&ULVLVVXSSRUWDQGDVVLVWDQFH
$GYRFDF\
(GXFDWLRQDOVXSSRUW
)LQDQFLDODVVLVWDQFH
5HFUHDWLRQSURJUDP
&5($7()RXQGDWLRQLVDQRUJDQLVDWLRQIRUFKLOGUHQDQG\RXQJSHRSOHLQFDUH
&5($7(RIWHQUXQVVSHFLDOHYHQWVVXFKDVDFWLYLWLHVIRUFKLOGUHQDJHGXQGHU\HDUV&KULVWPDV
SDUWLHVDQGRWKHUIXQDQGH[FLWLQJHYHQWV.LGVFDQMRLQDQGWKH\UHFHLYHELUWKGD\FDUGV
QHZVOHWWHUVDQGLQYLWDWLRQVWRVSHFLDOHYHQWV
)5((&$//1RWDYDLODEOHIURPPRELOHV(PDLOFUHDWH#FUHDWHRUJDX
/22.,1*$)7(5<2856(/) 'HVWUHVVLQJ
,QWDNLQJRQ\RXUFKLOGUHQ¶VFKLOGUHQ\RXPD\IHHOWKDW\RXKDYHORVW\RXUVHOIVRPDQ\WKLQJVVHHPWR
KDYHJRQHOLNH
• \RXUIUHHGRP
• \RXULQGHSHQGHQFH
• \RXUUHWLUHPHQWSODQV
• HYHQIULHQGV±WKH\KDYHILQLVKHGZLWKFKLOGUHDULQJDQGWKH\GRQ¶WZDQWWRNQRZDERXWLWDQ\PRUH
,W¶VQDWXUDOWKDW\RXPLJKWKDYHDORWRIJULHIIRU
•
•
•
\RXUFKLOGDQGDOOWKHGUHDPV\RXKDGIRUWKHPWRKDYHDKDSS\OLIH
<RXUJUDQGFKLOGUHQ±WKH\KDYHORVWWKHLUSDUHQWVDQGPD\VWLOOEHVXIIHULQJKXUWVFDXVHGE\WKHP
<RXUµORVW¶VHOIDQGWKHOLIH\RXKDYHJLYHQXS
<RXPD\EHGHDOLQJZLWKYHU\FKDOOHQJLQJEHKDYLRXUVIURPFKLOGUHQZKRKDYHEHHQVHYHUHO\WUDXPDWL]HGEHIRUH
WKH\FDPHLQWR\RXUFDUHDQGLWPD\PDNH\RXUOLIHDQLJKWPDUHDV\RXVWUXJJOHWRWU\DQGUHSDLUWKDWGDPDJH
DQGFRSHRQDGDLO\EDVLV<RXPD\DOVREHGHDOLQJZLWKDFFHVVYLVLWVZLWKELUWKSDUHQWVZKLFK\RXWKLQNFDXVH
RQJRLQJVWUHVVDQGGDPDJHWR\RXUJUDQGFKLOGUHQDQGRIFRXUVH\RXWRR,WLVGHHSO\SDLQIXODQGFRQIOLFWLQJ
WRKDYHWRZDWFK\RXURZQFKLOGUHQFDXVLQJHPRWLRQDOKXUWWR\RXUJUDQGFKLOG7KHVHDUHELJVWUHVVHVDQG
VWUDLQVIRUDQ\RQHWRGHDOZLWKDQG\RXQHHGWREHDZDUHWKDWJUDQGSDUHQWVDUHQRWVXSHUKXPDQV
:HQHHGWRWDNHFDUHRIRXUVHOYHVDQGDFFHVVDOOWKHKHOSZHFDQJHWWRGRWKDW
35,25,7,6(620($&79,7,(6($&+$1'(9(5<'$<7+$7+(/3<28725(/($6(675(66
7KHEDFNRIWKLVFDUGDQGWKHQH[WFDUGZLOOJLYH\RXVRPHVLPSOHVXJJHVWLRQVWKDWGRQ¶WFRVWPRQH\
&RPSXWHUVFDQKHOS\RXWRJHWKHOS
7KHUHDUHPDQ\ZRQGHUIXOZHEVLWHVZKHUH\RXFDQILQGRXWDERXWJHWWLQJKHOSUHDGDERXWDQ\
DVSHFWRIUDLVLQJFKLOGUHQZDWFKYLGHRFOLSVDERXWWKLQJVOLNHEHKDYLRXUPDQDJHPHQWKRZWR
FRRNLQWHUHVWLQJGLVKHVDQGDOVRHQMR\IXQQ\ILOPFOLSVDQGPXVLFWROLIW\RXUVSLULWV
&KHDSFRPSXWHUVDUHDYDLODEOHWKURXJKDQXPEHURIRUJDQLVDWLRQVIRUSHRSOHZKRDUHRQORZ
LQFRPHV*UDQGSDUHQWVUDLVLQJJUDQGFKLOGUHQTXDOLI\WRJHWH[FHOOHQWFRPSXWHUVDWYHU\ORZUDWHV
GHOLYHUHGWR\RXUKRPHDQGIUHHWHOHSKRQHVXSSRUWZKLOH\RXOHDUQWRXVHWKHP
:RUN9HQWXUHVKDVDQLQWHUHVWIUHHSXUFKDVHSODQVR\RXFDQSD\WKHFRPSXWHURIIDWQR
H[WUDFRVWRYHUDWKUHHPRQWKSHULRG)UHHFDOOQXPEHURU
ZZZFRQQHFWLWZRUNYHQWXUHVQHWDX 'RQ¶WEHSXWRIILI\RXGRQ¶WKDYHFRPSXWHUVNLOOVWKHUHDUHPDQ\EHJLQQHUVFRXUVHV
RIIHUHGDW$GXOW&RPPXQLW\(GXFDWLRQFODVVHV$SDUWIURPZKLFK\RXUJUDQGFKLOGUHQZLOOEHDEOH
WRKHOS\RXLIWKH\DUHVFKRRODJHG
7$'$867&211(&7LVDQLQWHUQHWSURYLGHUIRUSHRSOHRQORZLQFRPHVDQGZLWKWKHP\RXFDQ
KDYHEURDGEDQGLQWHUQHWIRUDPRQWK\RXGRQ¶WKDYHWRVLJQDQ\FRQWUDFWVSURPLVLQJWR
SD\RYHUORQJSHULRGV<RXVLPSO\JHWDPRQWKO\ELOOZKLFK\RXFDQSD\E\FKHTXHRUE\GLUHFW
GHELWIURP\RXUEDQN,WLVVHWXSWRDVVLVWSHRSOHRQORZLQFRPHVZLWKRXWFUHGLWFDUGV
&DOOWKHPRQIURPPRELOHV
/22.,1*$)7(5<2856(/)'HVWUHVVLQJ
+DYHDSDPSHUEDWKUHJXODUO\6RDNLQJLQDKRWEDWKLVDVLPSOHDQGHIIHFWLYHZD\RIUHOD[LQJ\RXUERG\
,I\RXDGGVRPH(SVRP6DOWVWRWKHZDWHUDQGDIHZGURSVRIZDWHUVROXEOHODYHQGHURLODYDLODEOHLQ\RXU
VXSHUPDUNHW\RXZLOOKDYHDUHFLSHIRUGHHSUHOD[DWLRQDQGFDOP7DNHDSRUWDEOHUDGLRDQGOLVWHQWR\RXU
IDYRXULWHUDGLRSURJUDPRUOLVWHQWR\RXUIDYRXULWH&'RUWDSH
&DOOIULHQGV,ILW¶VGLIILFXOWWRJHWRXWNHHS\RXUVRFLDOOLIHJRLQJE\XVLQJWKHWHOHSKRQHRUZULWLQJOHWWHUVWR
NHHSLQWRXFKZLWKIULHQGVDQGIDPLO\'RQ¶WORVHWRXFKZLWKROGIULHQGVEHFDXVHWKH\GRQ¶WKDQGOH\RXUVPDOO
FKLOGUHQXQGHUIRRWPDNHUHJXODUSKRQHFDOOVWRVHHKRZWKH\DUHGRLQJ6KRZWKDW\RXVWLOOFDUHDERXWWKHP
DQGWKH\DUHPRUHOLNHO\WREHEHWWHUDWFDULQJIRU\RX
)RRWVSDWKHVHDUHVPDOOIRRWEDWKVWKDWYLEUDWHDQGPDVVDJH\RXUIHHWLQZDWHU7KH\DUHUHODWLYHO\
LQH[SHQVLYHDQGVRPHZLOOZRUNRQUHIOH[RORJ\SRLQWVDVZHOO<RXFDQDOVRDGGDIHZGURSVRIHVVHQWLDORLOV
:KHDWFXVKLRQVZDUPHGLQWKHPLFURZDYHJLYHLQVWDQWZDUPWKDQGFRPIRUWIRUWKHQHFNVKRXOGHUVRU
ORZHUEDFN$GGDOLWWOHODYHQGHURLOEHIRUHKHDWLQJ±MXVWUXELWRQWKHVXUIDFHRIWKHEDJ
5HOD[DWLRQDQGYLVXDOLVDWLRQWDSHVWKHVHDUHYHU\FKHDSWREX\DQGZHOOZRUWKWU\LQJ6SRNHQZRUG
FDVVHWWHVDQG&'¶VXVXDOO\ODVWDERXWPLQXWHVVR\RXQHHGWRJHW\RXUVHOIFRPIRUWDEOHDQGHQVXUH\RX
ZRQ
WEHLQWHUUXSWHG*UHDWWRXVHZKHQWKHFKLOGUHQDUHKDYLQJDGD\WLPHVOHHS7KH\DUHDOVRLQYDOXDEOHWR
KHOSUHOD[EHIRUHJRLQJWRVOHHSDWEHGWLPH
5HOD[DWLRQPXVLFWKHUHLVDQDEXQGDQFHRIPXVLFIRUUHOD[DWLRQDURXQGLGHDOIRUODVWWKLQJDWQLJKWWRJHW
RIIWRVOHHSRUWRXVHZKLOHSUDFWLFLQJUHOD[DWLRQWHFKQLTXHV
&KHDSPDVVDJHLVDYDLODEOHDWWKH6&86FKRRORI1DWXUDODQG&RPSOHPHQWDU\0HGLFLQH&OLQLF
'HVWUHVVDQGJHWILWZLWKGDLO\ZDONLQJ
7KHUHDUHVRPDQ\JUHDWUHDVRQVWRZDONHYHU\GD\<RXGRQ¶WKDYHWRZRUNXSDVZHDWDQGWKLUW\PLQXWHV
DGD\LVHQRXJKWRNHHS\RXRQWKHULJKWSDWKWRILWQHVVDQGUHOD[DWLRQ,I\RXKDYHZHHRQHVWKHQ\RXZLOO
EHSXVKLQJWKHPLQDVWUROOHU$QXPEHURIVOHHSH[SHUWVVXJJHVWWKDWLI\RXWDNHEDELHVDQGVPDOOFKLOGUHQ
IRUDZDONODWHLQWKHDIWHUQRRQHDFKGD\WKH\ZLOOVOHHSEHWWHUDQG\RXZLOOWRR
:DONLQJHYHU\GD\ZLOOLQFUHDVH\RXUHQHUJ\OHYHO(QHUJ\FRPHVIURPHQHUJ\7KDW¶VZK\WKHPRUH\RX
PRYHWKHPRUH\RXIHHOOLNHPRYLQJ
:DONLQJHYHU\GD\ZLOOVXSSRUW\RXLQIHHOLQJJRRGDERXW\RXUVHOI7KHUHLVDQLQFUHGLEOHVHQVHRI
DFFRPSOLVKPHQWWKDWDFFRPSDQLHVGRLQJVRPHWKLQJWKDW¶VJRRGIRU\RX
:DONLQJHYHU\GD\ZLOOLPSURYH\RXUDELOLW\WRFRSHZLWKVWUHVV,WZLOOKHOS\RXUHOD[DQGEHWWHU
PDQDJHWKHXQH[SHFWHGWZLVWVDQGWXUQVRIHYHU\GD\OLIH:DONLQJHYHU\GD\ZLOOLQFUHDVH\RXURYHUDOO
VHQVHRIZHOOEHLQJ5HJXODUSK\VLFDODFWLYLW\ZLOOLQFUHDVHWKHUHOHDVHRIWKHKRUPRQHVWKDWPDNH\RX
IHHOKDSSLHUDQGHPRWLRQDOO\EDODQFHG
:DONLQJHYHU\GD\ZLOOLQFUHDVH\RXUPHQWDODFXLW\5HVHDUFKKDVVKRZQWKDWSHRSOHZKRZDONRQGDLO\
EDVLVWKLQNPRUHFOHDUO\DQGDUHEHWWHUDEOHWRIRFXVDQGFRQFHQWUDWH
:DONLQJHYHU\GD\ZLOOKHOS\RXEHFRPHSK\VLFDOO\ILWDQGVWD\KHDOWK\,WZLOOLPSURYH\RXUVWDPLQD
DQGVWUHQJWKHQ\RXUPXVFOHV,WLQFUHDVHVWKHHIILFLHQF\RI\RXUKHDUWDQGOXQJV,WDOVRUHGXFHV\RXU
FKROHVWHUROOHYHOVEORRGSUHVVXUHDQG\RXUULVNRIPDMRULOOQHVVHVVXFKDVKHDUWDWWDFNVGLDEHWHVDQG
VWURNHV:DONLQJHYHU\GD\SURPRWHVZHLJKWORVV
/22.,1*$)7(5<2856(/) $YRLG%DFN6WUDLQ
0DLQWDLQ\RXUEDODQFHZKHQFDUU\LQJFKLOGUHQ
&DUU\LQJVTXLUPLQJWRGGOHUVDURXQGWKHKRXVHFDQZUHDNKDYRFRQ\RXUEDODQFH8VHJRRG
ERG\PHFKDQLFVZKHQOLIWLQJQRPDWWHUWKHFKLOG
VDJHRUWHPSHUDPHQW:KHQSLFNLQJXSWKH
FKLOGEHQGDW\RXUNQHHVQRWKLSVZLGHQ\RXUOHJVWRJHWDEURDGHUEDVHRIVXSSRUWKROG
WKHFKLOGFORVHWR\RXUERG\VRLWLVFORVHUWR\RXUFHQWHURIJUDYLW\NHHS\RXUVKRXOGHUV
EDFNDQGDYRLGVORXFKLQJ5HPHPEHUWRKROGWKHFKLOGEDODQFHGLQWKHFHQWHURI\RXUERG\
$YRLGKROGLQJ\RXUFKLOGLQRQHDUPDQGEDODQFHGRQ\RXUKLS
(QFRXUDJHLQGHSHQGHQWVWHSV/LIWLQJ\RXUJUDQGFKLOGUHQRQDQG
RIIWKHSRWW\RULQDQGRXWRIDFDUVWUROOHURUERRVWHUVHDWRYHUDQGRYHUDJDLQ
FDQJLYH\RXUPXVFOHVDSRXQGLQJ$VWHSVWRROFDQEH\RXUEHVWIULHQG/HWNLGVXVH
WKHVWRROWRWU\WRJHWWKHPVHOYHVRQWKHWRLOHWRULQWRWKHLUFDUVHDWVWKHPVHOYHV,W
ZLOOJLYHWKHPDVHQVHRIDFFRPSOLVKPHQWDVVLVWWKHPWRDFKLHYH
LQGHSHQGHQFHDQGVDYHZHDUDQGWHDURQ\RXUDUPVOHJVDQGEDFN
/RRNIRUDVWUROOHUZLWKKDQGOHVWKDWDUHKLJKHQRXJKWRDYRLGKXQFKLQJDQG
PDNHVXUHWKDWWKHZKHHOVPRYHHDVLO\DQGWXUQZLWKOLWWOHHIIRUW7KHQ\RX
ZRQ¶WQHHGWRKXQFKDQGSXVKWKHVWUROOHUZLWKH[FHVVSUHVVXUHRQ\RXUEDFN
6SDFLRXVSRFNHWVDQGSRXFKHVDUHLPSRUWDQWWRFDUU\EDJV
*UHDWJDGJHWWRVDYHEHQGLQJ(DV\WULJJHUKDQGOHDOORZV\RXWRSLFNXSYHU\VPDOOLWHPVZLWKQR
EHQGLQJ6RXWKVLGH3KDUPDF\VHOOWKHPIRUDURXQGFreecall: 1800 069 777 or 6621 4500 /22.,1*$)7(5<2856(/) 5HOD[LQJ
7KHEHVWZD\WRKHOS\RXUIDPLO\RQLWVZD\WRDKHDOWKLHUOLIHLVWROHDGE\H[DPSOHLQILWQHVVDQG
H[HUFLVH1RRQHLQWKHIDPLO\LVJRLQJWROLVWHQWR\RXZKHQ\RXHQFRXUDJHWKHPWRSOD\RXWVLGHDQG
ODWHURQWRH[HUFLVHDQGSOD\VSRUWLI\RXDUHQRWSUDFWLVLQJZKDW\RXDUHSUHDFKLQJ/HDGE\H[DPSOH
DQG\RXUJUDQGFKLOGUHQZLOOEHIDUPRUHHQFRXUDJHGWRGRWKHVDPH'DLO\VWUROOVZLOOOD\GRZQDKDELW
RIH[HUFLVHWKDWZLOOEHQHILW\RXDOO
4XLFN3LFN0H8SVWRKHOS\RXIHHOFDOPDQGHQHUJHWLF
2XUERG\QHHGVR[\JHQWRJLYHRXUPXVFOHVHQHUJ\DQGZDWHUIRUDOOERGLO\IXQFWLRQV+HUHLVDVLPSOH
SLFNPHXSWKDWLVWKHEDVLVRIDQH[FHOOHQWKDELWWRUHOD['ULQNLQJZDWHUDQGEUHDWKLQJGHHSO\DUHWZR
JUHDWSUDFWLFHV6RVHW\RXUVWRYHWLPHUWRUHPLQG\RXHYHU\KRXUWRWDNHWZRPLQXWHVIRU\RX6ORZO\
GULQNDJODVVRIZDWHUDQGWKHQFRQFHQWUDWHRQDPLQXWHRUVRVSHQWEUHDWKLQJGHHSO\
%UHDWKLQJLQIRUDFRXQWRIIRXUDQGRXWIRUIRXU$V\RXEUHDWKHLQVD\WR\RXUVHOI
%UHDWKLQJLQ,IHHOFDOP%UHDWKLQJRXW,UHOHDVHVWUHVV
1RWKLQJWRGRQRZKHUHWRJRRQO\UHOD[LQJDQGEUHDWKLQJVORZ
5HOD[LQJWRJHWKHU,I\RXDUHEDWWOLQJZLWK\RXUWRGGOHUWRJHWWKHPWRKDYHGD\WLPHVOHHSSHUKDSV
\RXPLJKWFRQVLGHUUHSODFLQJWKLVZLWKD³UHOD[DWLRQVHVVLRQ´XVLQJJHQWOHH[HUFLVHDQGUHOD[DWLRQIRUD
SHULRGRIDERXWWZHQW\PLQXWHVSHUGD\ZKLFK\RXGRWRJHWKHU$WWKHHQGRIWKLVVHVVLRQSXWRQPXVLF
RUDVWRU\IRUWKHPWROLVWHQWRDQGWKH\PD\HQGXSGR]LQJRIILIWKHUHLVQRREYLRXVDJHQGDIRUWKHP
WRKDYHWRVOHHS
/22.,1*$)7(5<2856(/)$YRLG%DFN6WUDLQ
*HWWLQJXSDQGGRZQWRIORRUOHYHOFDQFDXVHDORWRINQHHIDWLJXHPDQ\JUDQGFDUHUVVD\WKDWWKLVLV
UHDOO\KDUGIRUWKHP$JRRGVROXWLRQLVWRSXUFKDVHDYHU\VWXUG\WLPEHUWDEOHDQGFKDLUVVHWIRUWRGGOHUV
DQGXVHWKHOLWWOHFKDLUWRVLWRQZKHQ\RXZDQWWRSOD\ZLWKNLGVRQWKHIORRU.HHSLW
QHDUWKHOLWWOHWDEOHDQG\RXFDQSXVKRQWKHWDEOHWRULVHHDVLO\,W¶VDOVRKDQG\WRJHW
DFORWKVKRHKDQJHUZLWKORWVRISRFNHWVIRUWKHZDOODERYHWKHWDEOHDQGNHHSWKLQJVOLNH
WH[WDVVFLVVRUVWR\VHWFWKHUHOHDYLQJWDEOHVSDFHIUHHIRUVHUYLQJVQDFNDQGPHDOV
5HPRYDORIEDE\FDSVXOHVVKRXOGEHGRQHIURPWKHEDFNVHDWRIWKHFDU8QODWFKWKHFDSVXOH
DQGSODFHLWRQWKHVHDWRIWKHFDU5HPRYHWKHFDSVXOHDIWHU\RXKDYHH[LWHGWKHFDUDQGDUH
VWDQGLQJSHUSHQGLFXODUWRWKHRSHQLQJRIWKHFDUGRRU$WWKDWWLPH\RXVKRXOGSXOOLWDVFORVHDV
SRVVLEOHDQGOLIWWKHFDSVXOHDVVWUDLJKWDV\RXFDQDQGDVFORVHWR\RXUERG\DVIHDVLEOH$OVR
JHWWRGGOHUVXVHGWR\RXSXWWLQJWKHPLQWRWKHFDUDQGWKHQWKH\FOLPELQWRWKHVHDWVRWKDW
\RXDUHQRWWZLVWLQJDQGOLIWLQJ
+$1'<7,36)520*:(1
*ZHQDQG3HWHUDUHERWKFORVHUWRVHYHQW\WKDQWZHQW\RQHDQGKDYHWZRYHU\DFWLYH
JUDQGVRQV*ZHQNHHSVDVXSSO\RIFORWKHVFKDQJHVLQWKHOLYLQJURRPVRWKDWVKH
GRHVQ¶WKDYHWRZDONEDFNZDUGVDQGIRUZDUGVWRWKHLUURRPWRJHWWKLQJVWKURXJKRXW
WKHGD\7KH\DUHDOVRWHDFKLQJWKHLU\RXQJHVWJUDQGVRQ3HWHUZKRKDVDQXPEHURI
SURIRXQGGLVDELOLWLHVWRFOLPEXSWRWKHEHGRUFKDQJHWDEOHUDWKHUWKDQWKHPKDYLQJ
WROLIWKLP7KH\KDYHDUUDQJHGIXUQLWXUHDQGVSHFLDOVWHSVVRWKDWWKLVLVSRVVLEOH
1800 803 820
Child and Family Information Referral Service.
This is a branch of the NSW Department of Community
Services which provides information on all types
of child and family services, including day-care,
occasional care, preschools, health care etc.
in your local area. They also advise on child development
and can answer other queries that you might have.
Did you know that you can get help to find
a children’s service near you,
using a free call number?
This section gives information about services
that support families with children under five.
Children’s Ser vices
SERVICES
&KLOGUHQ¶V6HUYLFHV&RPPXQLW\+HDOWK
&RPPXQLW\+HDOWKDLPVWRLPSURYHWKHKHDOWKRIWKHSHRSOHLQWKH/LVPRUHGLVWULFWE\ZRUNLQJ
ZLWKLQGLYLGXDOVIDPLOLHVRWKHUVHUYLFHSURYLGHUVDQGWKHZLGHUFRPPXQLW\
6HUYLFHVDUHDYDLODEOH0RQGD\WR)ULGD\DPWRSPWRDOOSHRSOHOLYLQJLQWKH1RUWKHUQ
5LYHUVDUHD5HIHUUDOIRUVHUYLFHVLVQRWQHFHVVDU\DQGWKHUHLVQRFKDUJHIRU&RPPXQLW\+HDOWK
6HUYLFHVZLWKWKHH[FHSWLRQRIWKHKLULQJRIVRPHHTXLSPHQW
6RPHRIWKHVHUYLFHVRIIHUHGE\FRPPXQLW\KHDOWKLQFOXGH$ERULJLQDO&KLOG)DPLO\1XUVLQJ
&KLOG)DPLO\3DUHQW*URXSV*HQHWLF&RXQVHOOLQJ&RPPXQLW\1XUVLQJ+HDULQJFKHFNV&KLOG
)DPLO\1XUVLQJ&RXQVHOOLQJIRUFKLOGUHQ+HOSPDQDJLQJ'LDEHWHV,PPXQLVDWLRQ1HZ%DE\
6HUYLFHV1XWULWLRQ2FFXSDWLRQDO7KHUDS\IRU&KLOGUHQ&KLOG3K\VLRWKHUDS\6SHHFK7KHUDS\IRU
&KLOGUHQ:RPHQ¶V+HDOWK0HQRSDXVH2VWHRSRURVLV3DS6PHDUVDQGPRUH«
/LVPRUH0ROHVZRUWK6WUHHW
*RRQHOODEDK2OLYHU$YHQXH
6HHRYHUIRULQIRUPDWLRQDERXW(DUO\&KLOGKRRG&OLQLFV
&KLOGUHQ¶V6HUYLFHV6SHFLDO1HHGV&KLOGUHQ
6XPPHUODQG(DUO\LQWHUYHQWLRQ6HUYLFH3KRQH
5LIOH5DQJH5RDG(DVW/LVPRUH
3URYLGHVORFDOVXSSRUWIRUPXPVGDGVJUDQGSDUHQWVDQGDQ\RQHFDULQJIRUD
\RXQJFKLOGXQGHUVFKRRODJHZLWKDGLVDELOLW\RUFKURQLFPHGLFDOFRQGLWLRQ5LIOH
5DQJH5RDG(DVW/LVPRUH
'HSDUWPHQWRI$JLQJ'LVDELOLW\DQG+RPHFDUH'$'+&
5HJLRQDO2IILFH/HYHO0ROHVZRUWK6W/,6025(16:
3+21(
'$'+&LVDJRYHUQPHQWIXQGHGERG\WKDWZLOOKHOSWRGHWHUPLQH\RXU*UDQGFKLOG¶V
QHHGVDQGFRQQHFW\RXWRWKHDSSURSULDWHVHUYLFHSURYLGHUV
7KH'HSDUWPHQWLVDOVRDEOHWRSURYLGHGLUHFWVHUYLFHVVXFKDVSV\FKRORJLVWV
FRPPXQLW\ZRUNHUVDQGFDVHFRRUGLQDWRUV7KLVLVDVWDWHZLGHVHUYLFH
(DUO\,QWHUYHQWLRQ,QIROLQH
:RUULHGDERXW\RXUJUDQGFKLOG¶VGHYHORSPHQW"3OHDVHGRQ¶WLJQRUH\RXUFRQFHUQV
IRUWKHFRVWRIDORFDOFDOOKDYHDFKDWZLWKWKHVHIRONVDERXW\RXUOLWWOHRQH
&KLOGUHQ¶V6HUYLFHV&RPPXQLW\+HDOWK
(DUO\&KLOGKRRG&OLQLFV
&KLOGDQG)DPLO\+HDOWK1XUVHVRIIHUVXSSRUWWRIDPLOLHVZLWKFKLOGUHQUDQJLQJLQDJHIURP
ELUWKWRILYH\HDUV7KH\VXSSRUWSDUHQWVZLWKQHZERUQEDELHVDQGFDQDGYLVHRQDUDQJH
RILVVXHVWKDWPD\DULVHZKHQFDULQJIRUDQHZEDE\RUVPDOOFKLOG6HUYLFHVLQFOXGH
• $GYLFHDQGVXSSRUWWRIDPLOLHVDERXWJURZWKDQGGHYHORSPHQWRIFKLOGUHQIURP
ELUWKWR\HDUV
• %HIRUHVFKRROFKHFNXSV
• &KLOG3URWHFWLRQ
• (DUO\&KLOGKRRG1XUVH
• +HDULQJWHVWV
• +RPHYLVLWV
• ,PPXQLVDWLRQ
• 3UHQDWDOFODVVHV
• 6FKRROOLDLVRQ
(DUO\&KLOGKRRGVHUYLFHVDYDLODEOHE\UHIHUUDOLQFOXGH&KLOG3V\FKRORJLVW
3DHGLDWULF3K\VLRWKHUDSLVW&KLOG2FFXSDWLRQDO7KHUDSLVWDQG6SHHFK7KHUDSLVW
/21*'$<&$5($1'2&&$6,21$/&$5(
/21*'$<&$5(
/RQJGD\FDUHSURYLGHVFHQWUHEDVHGFKLOGFDUHIRUFKLOGUHQIURPELUWKWR\HDUV$
ORQJGD\FDUHFHQWUHRSHUDWHVH[WHQGHGKRXUVWRSURYLGHVXSSRUWWRIDPLOLHVZKRZRUN
RUVWXG\&KLOGUHQFDQDWWHQGDORQJGD\FDUHFHQWUHIXOOWLPHRUSDUWWLPHGHSHQGLQJRQ
WKHUHTXLUHPHQWVRIWKHIDPLO\DQGWKHDYDLODELOLW\RIFDUH
/RQJGD\FDUHFHQWUHVSURYLGHDVDIHHQYLURQPHQWZKHUHFKLOGUHQFDQSOD\OHDUQDQG
GHYHORSLQWKHLUIRUPDWLYH\HDUV*UDQGFDUHUVZKRUHFHLYH'R&6SD\PHQWVPD\EH
HOLJLEOHIRUKRXUVRIIUHHFKLOGFDUHDZHHN
2&&$6,21$/&$5(
)LQGLQJVRPHRQHZKRFDQSURYLGHLUUHJXODUFDUHFDQEHGLIILFXOW6RPH)DPLO\'D\&DUHUV
KDYHXQILOOHGSODFHVDQGDUHDEOHWRORRNDIWHUH[WUDFKLOGUHQRQVKRUWQRWLFH
7KLVFDUHZRXOGKRZHYHUEHSURYLGHGDWWKHLUKRPH
&RQWDFW\RXU)DPLO\'D\FDUHFHQWUHWRFKHFNRQWKHDYDLODELOLW\RIWKLVVHUYLFH
3KRQH
&KLOGUHQ¶V6HUYLFHV/RQJ'D\&DUH
$%&/LVPRUH3+21(
$''5(66.HHQ6W/LVPRUH16:
0H0\+RXVH&KLOG&DUH&HQWUH3+21(
$''5(66'LDGHP6W/LVPRUH16:
)LUVW6WHSV(DUO\/HDUQLQJ&HQWUH3+21(
$''5(660DUNHW6W/LVPRUH16:
6RXWKHUQ&URVV8QLYHUVLW\&KLOGUHQ
V&HQWUH3+21(
$''5(665LIOH5DQJH5G(DVW/LVPRUH16:
5LFKPRQG9DOOH\&DUH5LQJ$VVRFLDWLRQ3+21(
$''5(66+D\HV6W*RRQHOODEDK16:
%XPEOHEHH(DUO\(GXFDWLRQ&HQWUH3+21(
$''5(666ODGH6W*RRQHOODEDK16:
&KLOGUHQ¶V6HUYLFHV+RZ3OD\JURXSVZRUN
&RVW$QQXDOPHPEHUVKLSIHHVPDOOZHHNO\IHHILUVWWZRYLVLWVIUHH
&KLOGUHQ\UVZHOFRPHEXWPXVWEHDFFRPSDQLHGE\SDUHQWFDUHU3DUHQWUXQ
7KHIRFXVLVRQVKDULQJLGHDVE\SDUHQWVFDUHUVZKLOVWSURYLGLQJDIXQSODFHIRU
NLGVWRSOD\DQGOHDUQZLWKDUDQJHRIWR\VDQGDFWLYLWLHV
*UDQGSDUHQWVDUHPRVWZHOFRPH
&RQWDFW/RXVLH%RWWHUR
5HJLRQDO'HYHORSPHQW&RQVXOWDQW
RU
ZZZSOD\JURXSQVZFRPDX
2QWKHEDFNRIWKLVFDUG\RXZLOOVHHDOLVWRIORFDOSOD\JURXSV
&KLOGUHQ¶V6HUYLFHV/RQJ'D\&DUH
/LVPRUH'LVWULFW)DPLO\'D\&DUH3+21(
$''5(66/DXUHO$YH/LVPRUH16:
6W9LQFHQW
V+RVSLWDO)ULHQGV&KLOG&DUH&HQWUH3+21(
$''5(666W9LQFHQW
V+RVSLWDO'DOOH\6W/LVPRUH16:
%OLQN\
V&RUQHU&KLOG&DUH&HQWUH3+21(
$''5(660LOLWDU\5G(DVW/LVPRUH16:
.RDOD&KLOG&DUH&HQWUH3+21(
$''5(662OLYHU$YH*RRQHOODEDK16:
3RVVXPV(DUO\(GXFDWLRQ&HQWUH3+21(
$''5(66:LOVRQ6W6RXWK/LVPRUH16:
$%&*RRQHOODEDK3+21(
$''5(66%DOOLQD5G*RRQHOODEDK16:
&KLOGUHQ¶V6HUYLFHV3OD\JURXSV
/LVPRUH(DVW3OD\JURXS3KRQH
7KH\PHHWDWWKH%DSWLVW&KXUFK+DOO8UDOED6WUHHW/,6025(
:KHQ7XHVGD\VDPDOOZHOFRPH
/LVPRUH(DVW0\7LPH3KRQH
0\7LPHJURXSVSURYLGHORFDOVXSSRUWIRUPXPVGDGVJUDQGSDUHQWVDQGDQ\RQH
FDULQJIRUD\RXQJFKLOGXQGHUVFKRRODJHZLWKDGLVDELOLW\RUFKURQLFPHGLFDO
FRQGLWLRQ5XQE\WKH6XPPHUODQG(DUO\,QWHUYHQWLRQ3URJUDP
5LIOH5DQJH5RDG(DVW/LVPRUH
:KHQ7KXUVGD\VSP
/LVPRUH'DGV.LGV3KRQH
$VVRFLDWHJURXS3OD\JURXS16:LQGLYLGXDOPHPEHUVKLSEHQHILWVGRQRWDSSO\
6FRXW+DOO:LOVRQ6WUHHW6287+/,6025(
:KHQ0RQGD\VDP'DGVRQO\
&KLOGUHQ¶V6HUYLFHV )DPLO\'D\&DUH
)DPLO\GD\FDUHLVDKRPHEDVHGFKLOGFDUHVHUYLFHZKHUHFKLOGUHQDUHFDUHGIRULQVPDOOJURXSVRI
QRPRUHWKDQRUSUHVFKRROHUV7KHVHUYLFHFDWHUVIRU\RXQJEDELHVWKURXJKWRSUHWHHQVDQG
FDQRIIHUFDUHGXULQJVWDQGDUGKRXUVEHIRUHDIWHUVFKRROGXULQJVFKRROKROLGD\VDQGLQVRPH
FLUFXPVWDQFHVRYHUQLJKWDQGZHHNHQGV
<RXZLOOEHUHTXLUHGWRUHJLVWHUWRDFFHVVWKLVVHUYLFH5HJLVWUDWLRQLQFOXGHVFRPSOHWLQJDIRUP
SURYLGLQJ'2%DQG&HQWUHOLQN&51LIFODLPLQJ&KLOG&DUH6XEVLG\)DPLO\'D\&DUHFRVWVDUH
FRYHUHGE\IHGHUDOJRYHUQPHQWµ&KLOG&DUH%HQHILWV¶IRUXSWRRIWKHWRWDOIHH
<RXZLOOQHHGWRFRQWDFW&HQWUHOLQNV)DPLO\$VVLVWDQFH2IILFHWRUHJLVWHUIRUWKHVHEHQHILWV
)RUPRUHLQIRUPDWLRQSKRQHWKHQDWLRQDOIDPLO\GD\FDUHKRWOLQHRQ
)5((&$//
/LVPRUH'LVWULFW)DPLO\'D\&DUH3+21(
$''5(66/DXUHO$YH/LVPRUH16:
2QWKHUHYHUVHVLGHRIWKLVFDUG\RXFDQUHDGDERXW
2&&$6,21$/&$5(
&KLOGUHQ¶V6HUYLFHV 3UHVFKRROV
)RULQIRUPDWLRQRQDOOSUHVFKRROVFDOO&KLOGDQG)DPLO\,QIRUPDWLRQ5HIHUUDO6HUYLFH
FDOO
/LVPRUH6RXWK3XEOLF6FKRRO3UHVFKRRO
3K\OOLV6WUHHW
6RXWK/LVPRUH16:$XVWUDOLD
6RXWK/LVPRUH,QIDQWV6FKRRO
:LOVRQ6W/LVPRUH16:
3KRQH
-DUMXP&HQWUH,QF
5LIOH5DQJH5G(DVW/LVPRUH16:
3KRQH
/LVPRUH3DULVK&HQWUH3UHVFKRRO
=DGRF6W/LVPRUH16:
3KRQH
&KLOGUHQ¶V6HUYLFHV 2FFDVLRQDO&DUH
*LQJHUEUHDG+RXVH2FFDVLRQDO&DUH&HQWUH3KRQH
8UDOED6W/LVPRUH16:
+RXUV(OLJLELOLW\\HDUV
/H[LH&RPSWRQ+RPHEDVHG&DUH3KRQH
&ROOHJH5G/LVPRUH16:
'HVFULSWLRQ+RPH%DVHG&DUHPD[LPXPSODFHVSHUGD\
+RXUVDPSP(OLJLELOLW\8SWR\HDUV
1RUWKFRDVW1DQQLHV
7KLVVHUYLFHLVQRWDFHQWUHEDVHGFKLOGFDUHIDFLOLW\DQGWKHUHIRUHGRHVQRWDWWUDFWWKH
JRYHUQPHQWUHEDWHV7KH\SURYLGHGD\DQGHYHQLQJFDUHIRU\RXUFKLOGLQ\RXUKRPH
RUKROLGD\DFFRPPRGDWLRQIRUDPLQLPXPRIKUV$UHDVFRYHUHGLQFOXGH/LVPRUH
DQGQHDUE\WRZQV%H[KLOO&OXQHVHWF
&DOORU
&KLOGUHQ¶V6HUYLFHV 3RVVXPV(DUO\(GXFDWLRQ&HQWUH
:LOVRQ6W/LVPRUH16:
3KRQH
/LVPRUH6RXWK3XEOLF6FKRRO3UHVFKRRO
&QU:LOVRQ3K\OOLV6W/LVPRUH16:
3KRQH
(DVW/LVPRUH&RPPXQLW\3UHVFKRRO
&ROOHHQ3O/LVPRUH16:
3KRQH
/LVPRUH3UHVFKRRO.LQGHUJDUWHQ
%UHZVWHU6W/LVPRUH16:
3KRQH
2XU/DG\RI/RXUGHV,QIDQWV6FKRRO
'LEEV6W(DVW/LVPRUH16:
3KRQH
3UHVFKRROV
It also means that you can relax with a cuppa and
the paper while they play in the house without
having to worry about what they are up to.
You know, it makes great sense to childproof your
whole house and yard as early as possible so that
children can’t get into danger before you expect
them to be capable of it.
It is not meant as checklist but rather as a tool to help you to
provide activities for your grandchildren as they explore
and learn. It is also helpful to know what to expect so that
you can gather some playthings and perhaps modify
the house and yard according to what the little
ones will soon be up to.
Growing and changing – this is quick reference guide to the
changes that children experience as they grow and develop
through the early years.
GROWING
& CHANGING
±PRQWKV
3K\VLFDOO\$FWLYH
*URZLQJ&KDQJLQJ
$WELUWKEDE\KDVOLWWOHVWUHQJWKRUPXVFOHFRQWURO
,QWKHILUVWIHZZHHNVEDE\OHDUQVWRGHYHORSFRQWURORIPXVFOHVDURXQGWKHH\HWREH
DEOHWRIRFXVRQREMHFWVQHDUE\
%DE\ZLOOGHYHORSVWUHQJWKLQQHFNDQGVKRXOGHUVWRVXSSRUWDQGKROGXSWKHLUKHDG
%DELHVZLOOEHJLQWRPRYHPRUHDQGNLFNWKHLUOHJV
%\PRQWKVDEDE\ZLOOEHPDQDJLQJWRVXSSRUWWKHLUEDFNDQGVLWZLWKVXSSRUW
6ORZO\EDELHVOHDUQWRUHDFKRXWDQGJUDVSDQREMHFWWKRXJKLWZLOOWDNHDOLWWOHORQJHU
WROHDUQWRUHOHDVHWKDWREMHFW
%\WKHWLPHEDE\FDQVLWXSWKH\ZLOOKDYHWKHKDQGDQGH\HFRQWUROWRJUDEZDYH
VKDNHDQGVTXHH]HREMHFWVZLWKLQWKHLUUHDFK
±PRQWKV
&RPPXQLFDWLQJ
*URZLQJ&KDQJLQJ
'XULQJWKHILUVWPRQWKVEDE\ZLOOZDWFK\RXUIDFHDQGOLVWHQWR\RXUYRLFH
6PLOHZKHQWKH\VHHDQGUHFRJQLVH\RX
%DE\ZLOOFUHDWHGLIIHUHQWFULHVIRUGLIIHUHQWQHHGV
)URPDERXWPRQWKVEDE\ZLOOEHJLQWRPDNHVGLIIHUHQWVRXQGVDQGFRRWR
WKHPVHOYHV
%DELHVZLOOOLVWHQWRWKHSDWWHUQVRIRXUFRQYHUVDWLRQV
*URZLQJ&KDQJLQJ
±PRQWKV
3K\VLFDOO\$FWLYH
6XJJHVWLRQV
2IIHUVZLSLQJEDWWLQJDQGJUDVSLQJSUDFWLFH
8QZUDSEDELHVDQGJLYHWKHPWKHIUHHGRPWRPRYH
$OORZVRPHVXSHUYLVHGSOD\RQWKHLUWXPPLHV
&DUU\\RXUEDE\LQGLIIHUHQWZD\V
*LYHEDELHVDPDVVDJH
6HHFDUGVLQSOD\WDONLQJPXVLFVHFWLRQVIRUPRUHLQIRUPDWLRQ
,I\RXWKLQNEDE\LVQRWDVDFWLYHDV\RXZRXOGH[SHFWRUZRUULHGWKDWEDE\LV
XQXVXDOO\UHVWOHVVWKHQDVNIRUDGYLFH6HHWKH0RUH,QIRUPDWLRQFDUGLQWKLVVHFWLRQ
*URZLQJ&KDQJLQJ&RPPXQLFDWLQJ
±PRQWKV
6XJJHVWLRQV
7DONWREDE\DERXWZKDW\RXDUHGRLQJ
3OD\IXQQ\IDFHVZLWKEDE\
(QMR\VRPHERG\SOD\SRHPVZLWKEDE\ZKHQ\RXFKDQJHWKHLUFORWKHV
3OD\VRPHERXQFLQJJDPHVRQ\RXUNQHHZKHQEDE\LVVWURQJHQRXJKWRKROG
WKHLUKHDGXSDQGVLWZLWK\RXUVXSSRUW
3URYLGHDPXVLFDOHQYLURQPHQWIRUEDE\WROLVWHQWRR
6HHFDUGVLQSOD\WDONLQJPXVLFVHFWLRQVIRUPRUHLQIRUPDWLRQ
,I\RXWKLQNWKDWEDE\PLJKWQRWEHKHDULQJRULVMXVWWRRTXLHWWKHQDVNIRUDGYLFH
*URZLQJ&KDQJLQJ
±PRQWKV
(PRWLRQV
(PRWLRQDOO\EDELHVDUHJHWWLQJWRNQRZWKHSHRSOHLQWKHLUOLYHV
,IIDPLOLDUSHRSOHUHVSRQGWREDE\¶VFULHVDQGJXUJOHVLQDZDUPFDULQJPDQQHUWKHQ
EDE\ZLOOEHJLQWRWUXVWRWKHUV
,IWKRVHIDPLOLDUSHRSOHUHVSRQGTXLFNO\WREDE\¶VFU\LQJEDE\ZLOODOVRGHYHORSDVHQVH
RIWUXVWLQKLPRUKHUVHOIE\NQRZLQJWKDWWKH\FDQLQIOXHQFHRWKHUVLQWKHLUZRUOG
+RZHYHULISHRSOHUHVSRQGLQFRQVLVWHQWO\DEUXSWO\RUZLWKRXWZDUPWKWKHQEDE\ZLOO
QRWGHYHORSWKDWVHQVHRIWUXVW
%DELHVQHHGSURPSWDQGFDULQJUHVSRQVHVLW¶VEHVWLIWKH\DUHQRWOHIWWRFU\WREHFRPH
PRUHGLVWUHVVHGDQGOHVVWUXVWIXO
%DELHVZLOOQRWEHVSRLOWE\WRRPXFKDWWHQWLRQ
6HHWKHEDFNRIWKLVFDUGIRUDFWLYLWLHVWRHQMR\ZLWKWKHEDELHVLQ\RXUOLIH
*URZLQJ&KDQJLQJ
±PRQWKV
6RFLDOO\$FWLYH
%DELHVDUHERUQZLWKQDWXUDOUHIOH[HVWKDWKHOS
WKHPPDLQWDLQFRQWDFWZLWKRWKHUV
%DELHVDXWRPDWLFDOO\FOLQJZLWKWKHLUOLWWOHILQJHUV
7KH\FU\IRUDWWHQWLRQ7KH\JD]HLQWR\RXUIDFHLQ
WKHPRVWHQGHDULQJZD\DQGVPLOHWRPDLQWDLQ\RXU
DWWHQWLRQ
7KHVHQDWXUDOUHIOH[HVKHOSEXLOGDERQGZLWK
IDPLOLDUFDUHUV:HFDQKHOSVWUHQJWKHQWKDWERQG
E\JLYLQJEDE\ORWVRIFXGGOHVDQGFDULQJDWWHQ
WLRQKROGLQJDQGVWURNLQJWKRVHOLWWOHKDQGVDV
ZHOODVJD]LQJDQGVPLOLQJEDFNZKHQEDE\JD]HV
DWXV:LWKFRQVLVWHQWFDULQJUHVSRQVHVEDE\ZLOO
GHYHORSDERQGDQGVSHFLDODWWDFKPHQWWRWKH
VSHFLDOSHRSOHLQKLVRUKHUOLIH
6HHWKHEDFNRIWKLVFDUGIRUDFWLYLWLHVWRHQMR\ZLWKWKHEDELHVLQ\RXUOLIH
(PRWLRQV
±PRQWKV
6XJJHVWLRQV
•
•
•
•
%HVXUHWRVSHQGVRPHTXDOLW\SOD\WLPHZLWKEDE\
3OD\JDPHVZLWKEDE\IRUDVPLOHDQGDJLJJOH
6LWDQGKDYHDFXGGOHZLWKEDE\LQDIDYRXULWHSODFHZKHUH\RXFDQUHOD[
DQGHQMR\WKLVWLPHWRJHWKHU
2UJDQLVHWLPHDQGRWKHUIDPLO\PHPEHUVVRWKDWVRPHRQHFDQDOZD\V
UHVSRQGZDUPO\TXLFNO\DQGFDOPO\WREDE\¶VQHHGV
,I\RXWKLQNEDE\FULHVWRRRIWHQRULVQRWVHWWOLQJWKHQDVNIRUDGYLFH
6HH0RUH,QIRUPDWLRQFDUGLQWKLVVHFWLRQ
6RFLDOO\$FWLYH
±PRQWKV
6XJJHVWLRQV
• 8VHOXOODELHVWRVRRWKEDE\DQGKHOS\RXWRERWKWRUHOD[WRJHWKHU
• *LYHEDE\DPDVVDJHVR\RXFDQVSHQGVRPHVSHFLDOWLPHWRJHWKHU
• *LYHEDE\DZDUPEDWK
• +DYHORWVRIFXGGOHVWREXLOGWKDWERQGDQGDWWDFKPHQW
• 8VHSOD\WDONLQJPXVLFFDUGVIRUVXJJHVWLRQVRQJDPHV\RXFDQSOD\WRJHWKHU
,I\RXDUHIHHOLQJVWUHVVHGE\EDE\¶VGHPDQGVDVNIRUDGYLFH
6HH0RUH,QIRUPDWLRQFDUGLQWKLVVHFWLRQ
±PRQWKV
*URZLQJ&KDQJLQJ
7KLQNLQJ
$YHU\\RXQJEDE\EHJLQVWROHDUQDERXWWKHZRUOGZLWKWKHLUVHQVHVHJWKURXJK
VPHOOWRILQGPRWKHUVPLONE\ORRNLQJDQGJD]LQJDWREMHFWVDQGIDFHVDQGOHDUQLQJWR
UHFRJQLVHIDPLOLDUWKLQJVDQGSHRSOHE\OLVWHQLQJDQGEHFRPLQJDZDUHRIUHJXODU
VRXQGVWKURXJKWRXFKDQGOHDUQLQJZKDWLVZDUPZKDWLVFRRORUZKDWLVDGLIIHUHQW
WH[WXUHRUZHLJKW
,QWKHILUVWIHZPRQWKVEDE\LVH[SORULQJDQGJHWWLQJWRNQRZKLVRUKHURZQERG\
LW¶VPRYHPHQWDQGFRQWURO%DE\UHSHDWVDQGSUDFWLVHVWRFRQWUROKLVKHUPRYHPHQWV
HJEDELHVZLOOGHYHORSGLIIHUHQWVXFNLQJPRYHPHQWVWRVXFNIRUIRRGRUWRVXFNIRU
FRPIRUW
%DE\ZLOOUHSHDWDFWLRQVWRJDLQDIDPLOLDUSRVLWLYHUHDFWLRQHJDVPLOHIRUDVPLOH
7KHLUPHPRU\LVVORZO\GHYHORSLQJDV\RXZLOOQRWLFHZKHQWKH\VHWWOHPRUHTXLFNO\
RUUHVSRQGPRUHIUHHO\ZLWKDIDPLOLDUSHUVRQWKDQZLWKDVWUDQJHU
6PLOHDQGWKHZRUOGVPLOHVZLWK\RX7XUQWKLVFDUGRYHUIRUJUHDWDFWLYLW\
LGHDV
*URZLQJ&KDQJLQJ
±PRQWKV
0RUH,QIRUPDWLRQ
7KHZHEVLWHKWWSUDLVLQJFKLOGUHQQHWDXLVDQLQWHUHVWLQJZHEVLWHDERXWKRZFKLOGUHQ
OHDUQDQGKRZSDUHQWVFDQHQFRXUDJHDQGVXSSRUWWKHLUFKLOGUHQ7KHLQIRUPDWLRQLV
SUHVHQWHGLQGLIIHUHQWZD\VDQGLVHDV\WRIROORZ
7KH16:'HSDUWPHQWRI&RPPXQLW\6HUYLFHVKDVDQLQWHUHVWLQJZHEVLWHZLWKD
3DUHQWLQJ6HFWLRQWKDWKDVIDFWVKHHWVWRKHOSSDUHQWVFDUHIRUEDELHVDQG\RXQJFKLOGUHQ
9LVLWWKHZHEVLWHDWZZZFRPPXQLW\QVZJRYDX
%RUURZWR\VIRUEDE\IURPD7R\/LEUDU\&RQWDFW\RXUORFDOFRXQFLORUQHLJKERXUKRRG
FHQWUHIRUGHWDLOVRIDWR\OLEUDU\QHDU\RX8VXDOO\WR\OLEUDULHVDUHRSHQRQHRUWZR
PRUQLQJVSHUZHHNDQGIRUDQDQQXDOIHH\RXFDQERUURZWR\VFKDQJLQJWKHPZHHNO\RU
NHHSLQJWKHPIRUXSWRDPRQWKLI\RXZLVK
-RLQDSOD\JURXSQHDU\RXRUVWDUW\RXRZQSOD\JURXSWRPHHWDQGVKDUHLGHDVZLWKRWKHU
FDUHUV&RQWDFWWKH3OD\JURXS$VVRFLDWLRQRQRUYLVLWWKHLUZHEVLWH
ZZZSOD\JURXSDXVWUDOLDFRPDX
*URZLQJ&KDQJLQJ
±PRQWKV
6XJJHVWLRQV
•
•
•
2IIHUEDE\VRPHYLVXDODGYHQWXUHVPRELOHVYLVXDOWUDFNLQJJDPHVDQG
SKRWRJDOOHULHV
)LQGVRPHLQWHUHVWLQJVRXQGPDNHUVIRUEDE\HJFKLPHVPXVLFLQVWUX
PHQWV
•
7DNHEDE\RXWGRRUVWRKHDUWKHVRXQGRIQDWXUH
•
+DYHFRQYHUVDWLRQVZLWKEDE\
•
3URYLGHVRPHLQWHUHVWLQJREMHFWVIRUEDE\WRJUDVSRUEDWDQGVZLSH
•
3OD\VRPHERG\SOD\JDPHVZKHQFKDQJLQJEDE\
6HHFDUGVLQSOD\WDONLQJPXVLFVHFWLRQVIRUPRUHLQIRUPDWLRQ
,I\RXWKLQNEDE\LVQRWUHVSRQGLQJRUDVDOHUWDV\RXZRXOGH[SHFWDVNIRUDGYLFH
*URZLQJ&KDQJLQJ
±PRQWKV
0RUH,QIRUPDWLRQ
•
,I\RXDUHZRUULHGDERXW\RXUFKLOGLQDQ\ZD\FRQWDFW\RXUORFDO&RPPXQLW\+HDOWK
&HQWUHDQGDVNIRU&KLOGDQG)DPLO\+HDOWK6HUYLFH7KH&KLOGDQG)DPLO\+HDOWK
1XUVHFDQUHIHU\RXWRVSHFLDOLVWVWRKHOSDVVHVVDQGVXSSRUWLQIDQWVDQGFKLOGUHQ
ZLWKKHDOWKKHDULQJVSHHFKPRYHPHQWHPRWLRQDODQGOHDUQLQJSUREOHPV
7KHVHUYLFHLVIUHH
•
3R'3DUHQWVRI'HDILVDVXSSRUWJURXSLQ/LVPRUHWKDWKHOSVFDUHUVGHDOZLWKWKH
LVVXHVWKDWPD\DULVHLQVXSSRUWLQJDFKLOGZLWKKHDULQJORVV&RQWDFW'HDI6RFLHW\
/LVPRUH
•
3DUHQWLQJ/LVPRUH¶V:D\LVDFROOHFWLRQRIERRNVDQG'9'VDYDLODEOHDWWKH/LVPRUH
DQG*RRQHOODEDKOLEUDULHV,QFOXGHVDVHOHFWLRQRIERRNVJHQHUDOSDUHQWLQJDGYLFHDQG
PDQDJLQJEHKDYLRXUV&RQWDFW\RXUORFDOOLEUDU\IRUERUURZLQJGHWDLOV
•
&RQWDFW3DUHQWOLQHRQLI\RXQHHGXUJHQWKHOSRUVXSSRUW
•
+RPH9LVLWLQJ6FKHPHRUJDQLVHGE\/LVPRUH)DPLO\6XSSRUW1HWZRUNSKRQH
PD\RIIHUUHJXODUKRPHYLVLWVWRVXSSRUWFDUHUVZLWKWKHGHPDQGVRI
UDLVLQJLQIDQWV
*URZLQJ&KDQJLQJ3K\VLFDOO\$FWLYH
ϲʹϭϴŵŽŶƚŚƐ
3K\VLFDOO\$FWLYH
'XULQJWKLVSHULRGEDE\ZLOO
•
/HDUQWRVLWZLWKRXWVXSSRUW
•
%HJLQWRFUDZO
•
3XOOXSWRVWDQGSRVLWLRQ
•
/HDUQWRZDON
•
'HYHORSFRQWUROVWUHQJWKLQWRSLFNXSVPDOOREMHFWVZLWKILQJHUDQGWKXPE
•
/HDUQWRWUDQVIHUREMHFWVIURPRQHKDQGWRWKHRWKHU
•
/HDUQWRKROGDFXSDQGVSRRQWRIHHGWKHPVHOYHV
•
,PLWDWHRWKHUVFODSSLQJZDYLQJEORZLQJDNLVV
*URZLQJ&KDQJLQJ&RPPXQLFDWLQJ
'XULQJWKLVSHULRGEDE\ZLOO
•
•
•
•
•
•
ϲʹϭϴŵŽŶƚŚƐ
%HJLQWRUHFRJQLVHDSDUWLFXODUSKUDVHRUSDWWHUQRIVSHHFKHJLI\RXVD\
³,W¶VEDWKWLPHQRZ´EDE\ZLOOUHFRJQLVHZKDW\RXVD\WKLVDQGORRNWR
WKHEDWKURRP
%DEEOHDORQJVWULQJLQJVRXQGVWRJHWKHULQWKHLURZQVSHHFKSDWWHUQV
$URXQGPRQWKVZLOOEHJLQWRVD\UHFRJQLVDEOHZRUGV
:LOOXVHDVLQJOHZRUGLQGLIIHUHQWZD\VZLWKGLIIHUHQWPHDQLQJVHJ³EDOO´
PD\PHDQ³ZLOO\RXSOD\EDOOZLWKPH"´RU³EDOOUROOHGRIIWKHYHUDQGDK´
RUZKDWHYHU
:LOOEHJLQWRFRQQHFWZRUGVWRFUHDWHDVLPSOHVHQWHQFH
8VHORWVRIJHVWXUHVWRH[SUHVVWKHLUPHDQLQJVHJSRLQWLQJWRWKLQJV
ϲʹϭϴŵŽŶƚŚƐ
*URZLQJ&KDQJLQJ&RPPXQLFDWLQJ
6XJJHVWLRQV
ϲʹϭϴŵŽŶƚŚƐ
3OD\PLUURUJDPHVQDPLQJSDUWVRIWKHERG\
6LQJWREDE\VRWKH\KHDUWKHSDWWHUQVRIRXUODQJXDJH
2IIHUEDE\VRPHILUVWSLFWXUHERRNVDQGWDONWKURXJKERRNZLWKEDE\
$VN\RXUROGHUEDE\WRKHOSXVLQJVLPSOHGLUHFWLRQV
7U\WRIROORZWKHLUFRPPXQLFDWLRQ±DVNWKHPWRVKRZ\RXLI\RXFDQQRW
JUDVSWKHLUPHDQLQJ
,QWURGXFH\RXUROGHUEDE\WRRWKHUVXVLQJWULDQJXODUFRQYHUVDWLRQV
6HHFDUGVLQSOD\WDONLQJPXVLFVHFWLRQVIRUPRUHLQIRUPDWLRQ
*URZLQJ&KDQJLQJ(PRWLRQV
(PRWLRQV
ϲʹϭϴŵŽŶƚŚƐ
'XULQJWKHSHULRGIURP±PRQWKVWKHERQGLQJWKDWEHJDQWRGHYHORSHDUOLHUZLOO
EHFRPHPRUHIXOO\GHYHORSHGLQWRSUHIHUHQFHDQGFOHDUFXWDWWDFKPHQWIRUIDPLOLDUFDUHUV
•
7KHROGHUEDE\ZLOOVHHNUHJXODUFRPIRUWIURPWKHLUIDPLOLDUFDUHUV
•
7KH\ZLOOPDLQWDLQYLVXDOFRQWDFWZKLOHWKH\PRYHDERXWH[SORULQJWKHLUZRUOG
•
7KH\ZLOOUHJXODUO\UHWXUQIRUFRQWDFWRUWRVKRZ\RXWKHLUGLVFRYHULHV
•
7KH\ZLOOEHJLQWRVKRZDIIHFWLRQE\FXGGOLQJ\RXRUJLYLQJNLVVHV
:LWKROGHUEDELHVLWZLOOEHHDVLHUWRUHFRJQL]HWKHLUGLIIHUHQWSHUVRQDOLWLHVDQGWHPSHUDPHQWV6RPH
EDELHVZLOOEHPRUHRXWJRLQJDQGZDQWWREHZLWKRWKHUV
6RPHEDELHVZLOOEHVORZWRZDUPXSWRQHZH[SHULHQFHV
6RPHWLPHVDQDGXOW¶VSHUVRQDOLW\DQGEDE\¶VSHUVRQDOLW\ZLOOQRWJRYHU\ZHOOWRJHWKHU
HJDTXLHWDGXOWPLJKWILQGDQRXWJRLQJEDE\GHPDQGLQJDQGDQQR\LQJ
,WGRHVKHOSWREHDEOHWRUHFRJQL]H\RXUSHUVRQDOLW\DVZHOODVWKDWRI\RXUEDE\DQGWR
NQRZWKDW\RXDUHERWKGLIIHUHQW
*URZLQJ&KDQJLQJ6RFLDOO\$FWLYH
6RFLDOO\$FWLYH
ϲʹϭϴŵŽŶƚŚƐ
,ILQIDQWVDWWKLVDJHKDYHGHYHORSHGDVWURQJDWWDFKPHQWWRWKHLUVSHFLDOFDUHUVWKH\
ZLOORIWHQEHFRPHDQ[LRXVDQGGLVWUHVVHGGXULQJVHSDUDWLRQHJLIEHLQJOHIWLQFKLOGFDUH
RUZLWKDOHVVNQRZQIDPLO\PHPEHU7KH\FOLQJGHVSHUDWHO\FU\ORXGO\DQGPD\WU\WR
IROORZ\RX7KLVFDQEHYHU\GLVWUHVVIXOIRUHYHU\RQHHYHQWKRXJKWKHLUEHKDYLRXU
LQGLFDWHVWKH\DUHILUPO\DQGFOHDUO\DWWDFKHGZKLFKLVUHDOO\DJRRGWKLQJ
6RPHFKLOGUHQZLOODOVREHFRPHDQ[LRXVLIDQHZFRPHURUVWUDQJHUDUULYHVWRFKDWZLWK
IDPLOLDUFDUHUV,IWKLVKDSSHQVOHWWKHPHQMR\WKHVHFXULW\RI\RXUFXGGOHVDWWKLVWLPH
ZKLOHWKH\DVVHVVWKHVLWXDWLRQ
,QWURGXFHWKHPWRWKHQHZFRPHUE\WU\LQJDWULDQJXODUFRQYHUVDWLRQEHWZHHQWKH
WKUHHRI\RX,I\RXPDNHH\HFRQWDFWDQGVKDUHVPLOHVZLWKEDE\DQGWKHQHZFRPHU
DQGHQFRXUDJHWKHQHZFRPHUWRGRWKHVDPHWKHQEDE\PD\UHOD[DQGJDLQVRPH
UHDVVXUDQFHWKDWLI\RXHQMR\WDONLQJWRWKHQHZFRPHUVRPLJKWWKH\
*URZLQJ&KDQJLQJ(PRWLRQV
6XJJHVWLRQV
ϲʹϭϴŵŽŶƚŚƐ
3OD\SHHNDERRDQGKLGLHJDPHVWRKHOSEDE\OHDUQWKDW\RXZLOOJRDZD\DQGWKHQFRPHEDFN
:KLOHWKH\SOD\\RXFDQMXVWVXSHUYLVHVRPHWLPHVEXWHQVXUHEDE\FDQVHH\RXDQGTXLWH
UHJXODUO\VWRSDQGKDYHDOLWWOHSOD\ZLWKWKHPVZDSSLQJWR\VVKRZLQJWKHPKRZD
GLIIHUHQWWR\ZRUNVRUFKDQJLQJWKHLUVLWWLQJSRVLWLRQRUWKHLUSOD\VSDFH
:KHQWKH\EHJLQFUDZOLQJDQGZDONLQJWKH\ZLOOFRQWLQXDOO\UHWXUQWR\RXWRPDNHFRQWDFW
:KHQWKH\GRUHWXUQJLYHWKHP\RXUIXOODWWHQWLRQVD\KXOORRUJLYHWKHPDFXGGOH
,IEDE\VHHPVVWUHVVHGRUYHU\FOLQJ\DVNIRUDGYLFH6HH0RUH,QIRUPDWLRQFDUG
&DUHIRU\RXURZQKHDOWKWRR<RXQHHGWLPHWRH[HUFLVHDQGNHHSILWDQGWRKDYHWLPHIRU
\RXUIULHQGVDQGLQWHUHVWV7KLVLVLPSRUWDQWIRU\RXUHPRWLRQDOKHDOWK
*URZLQJ&KDQJLQJ(PRWLRQV
6XJJHVWLRQV
ϲʹϭϴŵŽŶƚŚƐ
,I\RXZDQWWREHJLQXVLQJDFKLOGFDUHVHUYLFH
•
9LVLWGLIIHUHQWFKLOGFDUHVHUYLFHVLQ\RXUDUHDWRILQGRXWDERXWWKHGLIIHUHQFHV
5LQJDQGDVNLI\RXFDQYLVLW7KHQDIWHU\RXUYLVLWOHWWKHPNQRZ\RXZLOO
FRQWDFWWKHPLIDQGZKHQ\RXDUHUHDG\WRVWDUW\RXUFKLOG
•
$VNWRYLVLWWKHEDE\URRPDQGPHHWWKHZRUNHUVWKHUH
•
$VNKRZWKH\JHWWRNQRZHDFKFKLOGDQGIDPLO\DQGWKHLUVSHFLDOZD\V
$VNLI\RXFDQVSHQGVRPHWLPHDWWKHFHQWUHZLWK\RXUFKLOGXQWLO\RXWKLQN
WKH\DUHUHDG\WRVWD\ZLWKRXW\RX
,WLV\RXUGHFLVLRQDQGLPSRUWDQWWKDWERWK\RXDQG\RXUFKLOGDUHKDSS\DERXWWKH
FDUHVRLWLVZRUWKVRPHWLPHWRILQGDFHQWUHWKDWVXLWV\RXERWK
•
*URZLQJ&KDQJLQJ7KLQNLQJ
7KLQNLQJ
ϲʹϭϴŵŽŶƚŚƐ
2QFHEDE\FDQUHDFKRXWDQGJUDVSREMHFWVWKH\ZLOOJUDEDQ\WKLQJLQUHDFK SDWWLQJEDQJLQJZDYLQJDQGWDVWLQJWKLQJVZKLFKLVWKHLUZD\RIOHDUQLQJDERXWHDFK
DQGHYHU\REMHFWWKURXJKWKHLUVHQVHV7KH\DOVRDSSO\WKHVHWHFKQLTXHVWRSHRSOHWRR
SDWWLQJSHRSOHPRXWKLQJDQGHYHQELWLQJ
$VWKH\OHDUQDERXWREMHFWVWKH\EHJLQWRFRQQHFWFDXVHDQGHIIHFWDQGXQGHUVWDQGWKH
UHODWLRQVKLSVEHWZHHQHYHQWVHJKHDULQJWKHFDUGULYHLQWKHGULYHZD\WKH\PLJKWVD\
³'DG´EHFDXVHWKH\UHDOLVHXVLQJPHPRU\DQGFRQQHFWLRQWKDWWKHWZRHYHQWVFRLQFLGH
7KH\PD\DOVRSXVKDFKDLUWRZDUGVWKHVLQNEHFDXVHXVLQJPHPRU\DQGFRQQHFWLRQWKH\
ZLOOGLUHFWWKHLURZQEHKDYLRXUWRJHWWKHGULQNWKH\ZDQW
$WWKLVVWDJHLQIDQWVDOVROHDUQIURPWKHLUREVHUYDWLRQRIRWKHUVDQGZLOOUHDGLO\LPLWDWH
HJZDYLQJJRRGE\HRUEORZLQJDNLVVLIWKLVLVGHPRQVWUDWHG
*URZLQJ&KDQJLQJ0RUH,QIRUPDWLRQ
0RUH,QIRUPDWLRQ
ϲʹϭϴŵŽŶƚŚƐ
7KHZHEVLWHKWWSUDLVLQJFKLOGUHQQHWDXLVDQLQWHUHVWLQJZHEVLWHDERXWKRZFKLOGUHQ
OHDUQDQGKRZSDUHQWVFDQHQFRXUDJHDQGVXSSRUWWKHLUFKLOGUHQ7KHLQIRUPDWLRQLV
SUHVHQWHGLQGLIIHUHQWZD\VDQGLVHDV\WRIROORZ
7KH16:'HSDUWPHQWRI&RPPXQLW\6HUYLFHVKDVDQLQWHUHVWLQJZHEVLWHZLWKD
3DUHQWLQJ6HFWLRQWKDWKDVIDFWVKHHWVWRKHOSSDUHQWVFDUHIRUEDELHVDQG\RXQJFKLOGUHQ
9LVLWWKHZHEVLWHDWZZZFRPPXQLW\QVZJRYDX
%RUURZWR\VIRUEDE\IURPD7R\/LEUDU\&RQWDFW\RXUORFDOFRXQFLORUQHLJKERXUKRRG
FHQWUHIRUGHWDLOVRIDWR\OLEUDU\QHDU\RX8VXDOO\WR\OLEUDULHVDUHRSHQRQHRUWZR
PRUQLQJVSHUZHHNDQGIRUDQDQQXDOIHH\RXFDQERUURZWR\VFKDQJLQJWKHPZHHNO\RU
NHHSLQJWKHPIRUXSWRDPRQWKLI\RXZLVK
-RLQDSOD\JURXSQHDU\RXRUVWDUW\RXRZQSOD\JURXSWRPHHWDQGVKDUHLGHDVZLWKRWKHU
FDUHUV&RQWDFWWKH3OD\JURXS$VVRFLDWLRQRQRUYLVLWWKHLUZHEVLWH
ZZZSOD\JURXSDXVWUDOLDFRPDX
*URZLQJ&KDQJLQJ(PRWLRQV
6XJJHVWLRQV
ϲʹϭϴŵŽŶƚŚƐ
2IIHUFDXVHDQGHIIHFWWR\V%RUURZVRPHQHZWR\VIURPDWR\OLEUDU\
2IIHUFRQWDLQHUVWRH[SORUHKLGLQJWR\VLQVRPHIRUWKHPWRGLVFRYHU
2IIHUVRPHPXVLFDOLQVWUXPHQWV6KRZEDE\KRZWKH\ZRUNDQGVLQJDORQJ
&UHDWHVRPHPXVLFDOER[HVIRUSOD\
/HDYHWKHLUIDYRXULWHSOD\WKLQJVLQWKHVDPHSODFHVRWKH\NQRZZKHUHWR
ILQGWKHPDQGFDQEHJLQWRPDNHWKHLURZQGHFLVLRQV
6HHFDUGVLQSOD\WDONLQJPXVLFVHFWLRQVIRUPRUHLQIRUPDWLRQ
,I\RXDUHZRUULHGWKDW\RXUROGHUEDE\LVQRWUHVSRQGLQJRUDVDOHUWDV\RXZRXOG
H[SHFWWKHQDVNIRUDGYLFH6HH0RUH,QIRUPDWLRQFDUGLQWKLVVHFWLRQ
*URZLQJ&KDQJLQJ0RUH,QIRUPDWLRQ
0RUH,QIRUPDWLRQ
•
•
ϲʹϭϴŵŽŶƚŚƐ
,I\RXDUHZRUULHGDERXW\RXUFKLOGLQDQ\ZD\FRQWDFW\RXU
ORFDO&RPPXQLW\+HDOWK&HQWUHDQGDVNIRU&KLOGDQG)DPLO\+HDOWK6HUYLFH7KH
&KLOGDQG)DPLO\+HDOWK1XUVHFDQUHIHU\RXWRVSHFLDOLVWVWRKHOSDVVHVVDQGVXSSRUW
LQIDQWVDQGFKLOGUHQZLWKKHDOWKKHDULQJVSHHFKPRYHPHQWHPRWLRQDODQGOHDUQLQJ
SUREOHPV7KHVHUYLFHLVIUHH
3R'3DUHQWVRI'HDILVDVXSSRUWJURXSLQ/LVPRUHWKDWKHOSVFDUHUVGHDOZLWKWKH
LVVXHVWKDWPD\DULVHLQVXSSRUWLQJDFKLOGZLWKKHDULQJORVV&RQWDFW'HDI6RFLHW\
/LVPRUH
•
3DUHQWLQJ/LVPRUH¶V:D\LVDFROOHFWLRQRIERRNVDQG'9'VDYDLODEOHDWWKH/LVPRUH
DQG*RRQHOODEDKOLEUDULHV,QFOXGHVDVHOHFWLRQRIERRNVJHQHUDOSDUHQWLQJDGYLFHDQG
PDQDJLQJEHKDYLRXUV&RQWDFW\RXUORFDOOLEUDU\IRUERUURZLQJGHWDLOV
•
&RQWDFW3DUHQWOLQHRQLI\RXQHHGXUJHQWKHOSRUVXSSRUW
•
+RPH9LVLWLQJ6FKHPHRUJDQLVHGE\/LVPRUH)DPLO\6XSSRUW1HWZRUNSKRQH
PD\RIIHUUHJXODUKRPHYLVLWVWRVXSSRUWFDUHUVZLWKWKHGHPDQGVRI
UDLVLQJLQIDQWV
*URZLQJ&KDQJLQJ3K\VLFDOO\$FWLYH
3K\VLFDOO\$FWLYH
•
'XULQJWKLVSHULRGWRGGOHUVZLOO
PRQWKVWR
\HDUV
•
&OLPEDQGOHDUQWRZDONXSVWDLUV
•
/HDUQWRVHDWWKHPVHOYHVRQDORZFKDLU
•
5XQMXPSDQGEHJLQWRWKURZDQGFDWFKDEDOO
•
/HDUQWRPDQDJHWRLOHWLQJ
•
%HJLQWRXVHFUD\RQVDQGSDLQWEUXVKHVXVLQJDIXOOILVWJULSDQGZKROHDUP
PRYHPHQWV
•
/HDUQWRWXUQNQREVDQGXQVFUHZOLGVDVZULVWPRYHPHQWEHFRPHVPRUHIOH[LEOH
•
/HDUQWRWXUQWKHSDJHVRIDERRN
6WTPQXGTHQTHWPHKNNGFKFGCU
*URZLQJ&KDQJLQJ&RPPXQLFDWLQJ
•
$URXQG\HDUVRIDJHFKLOGUHQZLOOEHJLQWRMRLQZRUGV
WRJHWKHUWRIRUPVLPSOHVHQWHQFHV7KH\ZLOOWKHQEHJLQWR
XQGHUVWDQGWKHUXOHVRIODQJXDJHDQGDGG³LQJ´WRDFWLRQZRUGV
DQG³V´WRZRUGVWRLQGLFDWHPRUHWKDQRQHWKLQJ
PRQWKVWR
\HDUV
7RGGOHUVZLOOPDNHPDQ\PLVWDNHVOHDYLQJRXWVRXQGVDQGPLVSURQRXQFLQJZRUGV
,W¶VLPSRUWDQWWKDWDGXOWVXVHIXOODQGSURSHUVHQWHQFHVZKHQWDONLQJZLWKFKLOGUHQVRWKDW
FKLOGUHQFDQOLVWHQWRDQGOHDUQDERXWZRUGVDQGVHQWHQFHFRQVWUXFWLRQ
•
•
•
9RFDEXODU\LQFUHDVHVGUDPDWLFDOO\DQGWRGGOHUVZLOOXQGHUVWDQGPRVWRIZKDWDQDGXOWVD\V
HYHQWKRXJKWKH\ZLOOQRWXVHWKRVHZRUGVWKHPVHOYHV
'XULQJWKLVVWDJHWRGGOHUVJHQHUDOO\WDONPRUHWRIDPLOLDUDGXOWVWKDQRWKHUFKLOGUHQ:LWK
RWKHUWRGGOHUVWKH\ZLOORIWHQXVHWKHLUSK\VLFDOVNLOOVHJJUDEELQJDWR\IURPDQRWKHU
FKLOGRUSXVKLQJVRWKH\ZLOOQHHGWREHHQFRXUDJHGWRXVHWKHLUZRUGV
•
7RGGOHUVDOVRXVH³QR´IUHTXHQWO\9QPFGTHWNKFGCUVQVT[QPVJGDCEMQHVJKUECTF
*URZLQJ&KDQJLQJ3K\VLFDOO\$FWLYH
6XJJHVWLRQV
•
5XQZLWKVWUHDPHUVDWWDFKHGWRZULVWVWRKHOS
WRGGOHUVIO\RUSOD\KRUVH\ZLWKVWUHDPHUVIRU
UHLQV
PRQWKVWR
\HDUV
6LQJMXPSLQJVRQJVRUWU\DORZWUDPSROLQHZLWKDFURVVSDLQWHGLQWKH
PLGGOHWRVKRZFKLOGUHQZKHUHWRMXPSVDIHO\%HVXUHWRKDYHVDIHW\
PDWV
•
•
•
•
•
*RWRSDUNWRSOD\RQFOLPELQJHTXLSPHQW±KHOSVZLWKFOLPELQJVWDLUV
3UDFWLFHKDQGFRQWUROZLWKEORFNVVDQGZDWHUSOD\ILQJHUSDLQWLQJ
DQGSOD\ZLWKPXVLFDOLQVWUXPHQWV
3UDFWLFHGUHVVLQJE\SOD\LQJGUHVVXSVRUGUHVVLQJGROOLHV.HHS
FORWKHVVLPSOHSXOOXSSDQWVDQGSXOORYHUWRSV
/RRNIRUVLJQVRIUHDGLQHVVIRUWRLOHWWUDLQLQJORQJGU\VSHOOVWKHQELJZHH
VKRZVWKH\DUHOHDUQLQJWRKROGRQ
*URZLQJ&KDQJLQJ&RPPXQLFDWLQJ
6XJJHVWLRQV
•
5HDGVLPSOHVWRULHVWRWRGGOHUVZLWKVLPSOHVWRU\
OLQHDQGUHSHWLWLRQ
PRQWKVWR
\HDUV
•
6LQJVRQJVDQGGUDPDWLVHDFWLRQV-RLQDPXVLFFODVVZLWK\RXUWRGGOHU
•
8VHWRXFKDQGIHHOWDONLQJEDJV
•
*RRQVLPSOHH[FXUVLRQDQGIROORZXSLQFRQYHUVDWLRQV
•
%RUURZERRNVIURPWKHOLEUDU\
•
(QFRXUDJHWRGGOHUVWRXVHWKHLUZRUGVE\
•
•
•
5HVSRQGLQJWRWKHLUDWWHPSWV,I\RXFDQQRWXQGHUVWDQGDVNWKHPWR
VKRZ\RX)ROORZWKHLUJHVWXUHVRULQWHUHVWVDQGDGGFRPPHQWV
&RUUHFWJHQWO\E\UHSHDWLQJFRUUHFWO\WKHLUPLVWDNHVLQWKHFRQYHUVDWLRQ
,I\RXWKLQN\RXUWRGGOHULVQRWKHDULQJRUXVLQJZRUGVDV\RXZRXOG
H[SHFWWKHQDVNIRUDGYLFH
6HH0RUH,QIRUPDWLRQFDUGLQWKLVVHFWLRQ
*URZLQJ&KDQJLQJ(PRWLRQV
(PRWLRQV
PRQWKVWR
\HDUV
•
'XULQJWKLVSHULRGWRGGOHUVDUHOHDUQLQJKRZWRPDQDJHWKHLU
RZQQHHGVWRLOHWLQJGUHVVLQJIHHGLQJWKHPVHOYHV7KH\DUH
GHYHORSLQJWKHLULQGHSHQGHQFHDQGDXWRQRP\
•
7REXLOGWKHLUFRQILGHQFHLWLVLPSRUWDQWWKDWZHVXSSRUWWKHLUHIIRUWVZLWKSDWLHQFH
EUHDNLQJWDVNVGRZQLQWRPDQDJHDEOHSDUWVWRDYRLGIUXVWUDWLRQHQVXULQJWKHHTXLSPHQW
WKH\XVHLVPDQDJHDEOHDQGJLYLQJWKHPSOHQW\RIWLPHWRGRWKLQJVIRUWKHPVHOYHV
•
•
%HFDXVHWRGGOHUVDUHYHU\DFWLYHWKH\GRJHWWLUHGVRZHQHHGWRSD\DWWHQWLRQWRWKHLU
IHHOLQJVDQGSHUVRQDOQHHGV7DQWUXPVFDQRIWHQEHDYRLGHGLIZHFDQDQWLFLSDWHDQG
SUHSDUHWKHZD\IRUWKHPWRH[HUFLVHWKHLUQHZIRXQGVNLOOV
7RGGOHUVDUHQRW\HWDEOHWRIRUVHHFRQVHTXHQFHVDVWKH\DUHYHU\IRFXVHGRQWKHLU
QHHGVDQGGHVLUHVLQWKHLPPHGLDWHPRPHQWVRDGXOWVPXVWEHYLJLODQWDQGHQVXUH
WRGGOHUVDUHNHSWVDIH
*URZLQJ&KDQJLQJ6RFLDOO\$FWLYH
•
%HFDXVHWRGGOHUVDUHIRFXVHGRQGRLQJWKLQJVIRUWKHPVHOYHVWKH\
GRILQGLWGLIILFXOWWRVKDUH,WGRHVKHOSLIDGXOWVFDQDQWLFLSDWH
WKHVHGLIILFXOWLHVDQGSURYLGHHQRXJKHTXLSPHQWDQGDFWLYLWLHVVR
PRQWKVWR
\HDUV
WKDWWRGGOHUVFDQDYRLGKDYLQJWRZDLWDWXUQHJKDYHVHYHUDO
EXFNHWVDQGVSDGHVLQWKHVDQGSLW
•
(QVXUHWRGGOHUVDUHQRWFURZGHGDQGWKDWWKHUHLVSOHQW\RIVSDFHDURXQGDFWLYLWLHV
7RGGOHUVDUHDFWLYHDQGQHHGURRPWRPRYHZLWKRXWEXPSLQJRWKHUV
•
,IWRGGOHUVQHHGWRZDLWWKH\FDQVRPHWLPHVEHGLVWUDFWHGZLWKDQRWKHUDFWLYLW\
.HHSVRPHWR\VDVLGHIRUGLVWUDFWLRQLIWKDWLVQHHGHG
•
%DODQFHWKHGD\¶VSOD\ZLWKTXLHWLQGLYLGXDOSOD\DQGSOD\ZLWKRWKHUV6RPHJURXSDFWLYLWLHV
WRWU\PLJKWLQFOXGHPDNLQJDEXVRXWRIFKDLUVDQGVLQJLQJWKHVRQJ³:KHHOVRQWKH%XV´
UROOHUSDLQWLQJDODUJHER[WRJHWKHURUSOD\LQJ³5LQJD5RVLH´
*URZLQJ&KDQJLQJ(PRWLRQV
6XJJHVWLRQV •
7RKHOSWRGGOHUVGHYHORSWKHLULQGHSHQGHQFHDQGFRQILGHQFH
•
*LYHWKHPSOHQW\RIWLPHWRIHHGWKHPVHOYHVDWPHDOWLPHV
PRQWKVWR
\HDUV
*LYHPDQDJHDEOHVSRRQVZLWKVKRUWKDQGOHVDQGIODWERWWRPHGFXSVZLWKHDV\WRJULS
KDQGOHV0HDOWLPHVFDQEHPHVV\ZKLOHWKH\DUHOHDUQLQJ%HSDWLHQW
/HWWRGGOHUVGUHVVWKHPVHOYHVZLWKHDV\SXOORQSDQWVDQGSXOORYHUWRSV0DUNWKH
•
RXWVLGHRIWKHLUVKRHVZLWKDVWLFNRQVSRWWRKHOSWKHPZRUNRXWZKLFKIRRWWRSXW
WKHPRQ/HWWKHPVHHLQWKHPLUURUDIWHUZDUGV
/HWWKHPNQRZZLWKZRUGVRUFXGGOHVZKHQWKH\PDQDJHWRGRWKLQJVZHOO6WD\FDOP
•
DQGTXLHWO\IROORZXSLIWKH\DUHQRWPDQDJLQJWRGD\WRHQFRXUDJHWKHPWRWU\DJDLQ
WRPRUURZ
•
(QFRXUDJHWRGGOHUVWRUHVWE\RIIHULQJTXLHWSOD\WKLQJVWKURXJKRXWWKHGD\WRSDFH
WKHLUDFWLYLW\DQGQRWEHFRPHRYHUWLUHG7U\VRPHUHOD[DWLRQDFWLYLWLHVWRKHOSWKHP
VHWWOHWRVOHHS
PRQWKVWR
\HDUV
6XJJHVWLRQV
•
,IWRGGOHUVEHFRPHIUXVWUDWHGDQGDQJU\KXUWLQJRWKHUVZH
QHHGWRDFNQRZOHGJHWKHLUIHHOLQJVEXWOHWWKHPNQRZLWLVQRW2.WRKXUWRWKHUV:H
FDQRIIHUWKHPDQRWKHUDFWLYLW\WRKHOSWKHPZDLWDQGEHVXUHWROHWWKHPKDYHWKHLU
WXUQZKHQWKHLUGHVLUHGWR\LVDYDLODEOH.QRZLQJWKDWWKH\ZLOOHYHQWXDOO\JHWDWXUQ
ZLOOKHOSWKHPZDLWLQWKHIXWXUHDQGZLOODOVRKHOSWKHPXQGHUVWDQGVKDULQJ
•
,WGRHVQRWKHOSDFKLOGOHDUQKRZWREHKDYHLQFDULQJDSSURSULDWHZD\VLIDGXOWV
\HOOVZHDURUKLWWKHLUFKLOGUHQ,IDQDGXOWEHFRPHVDQJU\LWLVEHWWHUWKH\ZDON
DZD\DQGFDOPGRZQEHIRUHDSSURDFKLQJFKLOGDJDLQ
•
,I\RXWKLQN\RXUWRGGOHULVGHYHORSLQJVRPHDJJUHVVLYHEHKDYLRXUSUREOHPV
HJELWLQJDVNIRUDGYLFH6HH0RUH,QIRUPDWLRQFDUGLQWKLVVHFWLRQ
*URZLQJ&KDQJLQJ7KLQNLQJ
7KLQNLQJ
7RGGOHUVDUHEHJLQQLQJWRVROYHSUREOHPVIRUWKHPVHOYHV
•
PRQWKVWR
\HDUV
WKURXJKWULDODQGHUURURUE\UHPHPEHULQJKRZWKH\KDYH
VHHQVRPHWKLQJGRQHEHIRUHDQGLPLWDWLQJWKDWREVHUYDWLRQ7RGGOHUVEHJLQWRPDWFK
DQGJURXSREMHFWVWRJHWKHUDQGWKRVHVNLOOVFDQDOVRKHOSWKHPVROYHSUREOHPV
:HFDQKHOSE\HQFRXUDJLQJWRGGOHUVWRNHHSWU\LQJE\VXJJHVWLQJRUVKRZLQJWKHPD
•
GLIIHUHQWZD\HJLIDWRGGOHULVKDYLQJGLIILFXOW\GRLQJDSX]]OHZHFDQVXJJHVWZD\VWR
ILQGZKHUHWKHSX]]OHSLHFHJRHVZLWKRXWDFWXDOO\GRLQJWKHSX]]OHIRUWKHP:HFRXOG
ORRNDWWKHVKDSHRIWKHSLHFHDQGORRNDWWKHVKDSHRIWKHVSDFHVZKHUHSLHFHVPLJKW
JRRUZHFRXOGILQGDVLPLODUSDUWRIWKHSX]]OHSLFWXUHWKDWPDWFKHVWKDWRQWKHSX]]OH
SLHFH
(QFRXUDJHWRGGOHUVWRFRPSOHWHWDVNVWKHPVHOYHVEXWLIIUXVWUDWLRQVHWVLQJLYH\RXUDVVLV
•
WDQFHVRWKDWWKH\IHHODVHQVHRIVDWLVIDFWLRQDQGWKDW³+RRUD\:HGLGLW´
IHHOLQJZLOOHQFRXUDJHWKHPWRWU\DJDLQQH[WWLPH
*URZLQJ&KDQJLQJ0RUH,QIRUPDWLRQ
PRQWKVWR
•
,I\RXDUHZRUULHGDERXW\RXUFKLOGLQDQ\ZD\FRQWDFW\RXU
\HDUV
ORFDO&RPPXQLW\+HDOWK&HQWUHDQGDVNIRU&KLOGDQG)DPLO\
+HDOWK6HUYLFH7KH&KLOGDQG)DPLO\+HDOWK1XUVHFDQUHIHU\RXWRVSHFLDOLVWVWR
KHOSDVVHVVDQGVXSSRUWLQIDQWVDQGFKLOGUHQZLWKKHDOWKKHDULQJVSHHFKPRYH
PHQWHPRWLRQDODQGOHDUQLQJSUREOHPV
7KHVHUYLFHLVIUHH
•
3R'3DUHQWVRI'HDILVDVXSSRUWJURXSLQ/LVPRUHWKDWKHOSVFDUHUVGHDOZLWKWKH
LVVXHVWKDWPD\DULVHLQVXSSRUWLQJDFKLOGZLWKKHDULQJORVV&RQWDFW'HDI6RFLHW\
/LVPRUH
•
3DUHQWLQJ/LVPRUH¶V:D\LVDFROOHFWLRQRIERRNVDQG'9'VDYDLODEOHDWWKH/LVPRUH
DQG*RRQHOODEDKOLEUDULHV,QFOXGHVDVHOHFWLRQRIERRNVJHQHUDOSDUHQWLQJDGYLFHDQG
PDQDJLQJEHKDYLRXUV&RQWDFW\RXUORFDOOLEUDU\IRUERUURZLQJGHWDLOV
•
&RQWDFW3DUHQWOLQHRQLI\RXQHHGXUJHQWKHOSRUVXSSRUW
•
+RPH9LVLWLQJ6FKHPHRUJDQLVHGE\/LVPRUH)DPLO\6XSSRUW1HWZRUNSKRQH
PD\RIIHUUHJXODUKRPHYLVLWVWRVXSSRUWFDUHUVZLWKWKHGHPDQGVRI
*URZLQJ&KDQJLQJ7KLQNLQJ
6XJJHVWLRQV
•
2IIHUVLPSOHSX]]OHVDQGSRVWER[HVIRUSOD\%RUURZIURP
PRQWKVWR
\HDUV
DWR\OLEUDU\
•
%ORFNSOD\EXLOGLQJWRZHUVRUPDNLQJVKHGVIRUDQLPDOV
•
)HHOLQJDQGWDONLQJEDJV
•
'UDZLQJDQGSDLQWLQJHTXLSPHQW
•
3UHWHQGSOD\DFWLYLWLHVEDVHGRQIDPLOLDUH[SHULHQFHV
•
5LGHRQELNHVRUFDUGERDUGER[FDUVWRULGHDURXQGWRER[SHWUROERZVHUV
•
6HHSOD\WDONLQJPXVLFFDUGVIRUPRUHLQIRUPDWLRQ
•
,I\RXDUHFRQFHUQHGWKDW\RXUWRGGOHUVGRHVQRWVHHPWREHDEOHWRIRFXVRQ
DFWLYLWLHVDQGLVQRWOHDUQLQJLQWKHZD\\RXZRXOGH[SHFWDVNIRUDGYLFH
6HH0RUH,QIRUPDWLRQFDUGLQWKLVVHFWLRQ
*URZLQJ&KDQJLQJ0RUH,QIRUPDWLRQ
PRQWKVWR
\HDUV
•
7KHZHEVLWHKWWSUDLVLQJFKLOGUHQQHWDXLVDQLQWHUHVWLQJ
ZHEVLWHDERXWKRZFKLOGUHQOHDUQDQGKRZSDUHQWVFDQ
HQFRXUDJHDQGVXSSRUWWKHLUFKLOGUHQ7KHLQIRUPDWLRQLVSUHVHQWHGLQGLIIHUHQWZD\V
DQGLVHDV\WRIROORZ
•
7KH16:'HSDUWPHQWRI&RPPXQLW\6HUYLFHVKDVDQLQWHUHVWLQJZHEVLWHZLWKD
3DUHQWLQJ6HFWLRQWKDWKDVIDFWVKHHWVWRKHOSSDUHQWVFDUHIRUEDELHVDQG\RXQJ
FKLOGUHQLQFOXGLQJWRLOHWWUDLQLQJDQGWDQWUXPV9LVLWWKHZHEVLWHDW
ZZZFRPPXQLW\QVZJRYDX
•
•
%RUURZWR\VIURPD7R\/LEUDU\&RQWDFW\RXUORFDOFRXQFLORUQHLJKERXUKRRGFHQWUH
IRUGHWDLOVRIDWR\OLEUDU\QHDU\RX8VXDOO\WR\OLEUDULHVDUHRSHQRQHRUWZRPRUQLQJV
SHUZHHNDQGIRUDQDQQXDOIHH\RXFDQERUURZWR\VFKDQJLQJWKHPZHHNO\RU
NHHSLQJWKHPIRUXSWRDPRQWKLI\RXZLVK
-RLQDSOD\JURXSQHDU\RXRUVWDUW\RXRZQSOD\JURXSWRPHHWDQGVKDUHLGHDVZLWK
RWKHUFDUHV&RQWDFWWKH3OD\JURXS$VVRFLDWLRQRQRUYLVLWWKHLU
ZHEVLWHZZZSOD\JURXSDXVWUDOLDFRPDX
*URZLQJ&KDQJLQJ3K\VLFDOO\$FWLYH
3K\VLFDOO\$FWLYH
\HDUVWR\HDUV
3UHVFKRRODJHGFKLOGUHQZLOOOHDUQWR
• 5XQVPRRWKO\EDODQFHEHJLQWRKRSDQGVNLSDQGWKURZDQGFDWFKDEDOOZLWK
DFFXUDF\7KH\ZLOOPRYHPRUHUK\WKPLFDOO\LQPRYHPHQWDQGGDQFH
• :LOOOHDUQWRULGHDELNHWKRXJKQRWEHUHDG\WRULGHLQWUDIILF
•
•
:LOOGUHVVWKHPVHOYHVZLWKRXWKHOS
:LOOXVHVFLVVRUVJOXHSHQFLOVDQGSDLQWDQGVPDOOSLHFHFRQVWUXFWLRQNLWV
:HQHHGWRHQFRXUDJHSUHVFKRROHUVWRSOD\DFWLYHO\HYHU\GD\WREXLOGILWQHVVVWUHQJWK
VWDPLQDDQGKHDOWK:HQHHGWRKHOSSUHVFKRROHUVOHDUQKRZWRUHVWDQGUHOD[WKHLU
ERGLHVZKHQWKH\EHFRPHWLUHGRUWHQVH
:HQHHGWRRUJDQLVHORWVRIRSSRUWXQLW\WRSUDFWLFHDQGEXLOGWKHLUVNLOOV
:HQHHGWRHQFRXUDJHWKHPWRHQMR\DFWLYHSOD\LQJURXSVQRWQHFHVVDULO\FRPSHWLWLYH
SOD\EXWMXVWWRHQMR\WKHIXQ
*URZLQJ&KDQJLQJ&RPPXQLFDWLQJ
&RPPXQLFDWLQJ
3UHVFKRROHUVZLOO
•
\HDUVWR\HDUV
/HDUQWRXVHIXOOVHQWHQFHVZLWKDOOWKHOLWWOHZRUGVDQGMRLQLQJZRUGVHJ
³EHFDXVH´
•
7KHLUYRFDEXODU\ZLOOJURZVLQFUHGLEO\WR±ZRUGV
•
3UHVFKRROHUVZLOODVNHQGOHVVTXHVWLRQV
•
:LOOPDNHXSVLOO\QRQVHQVHZRUGV
•
:LOOEHDEOHWRIROORZDORQJHUFRQYHUVDWLRQDQGVWD\RQWRSLF
•
:LOOXVHODQJXDJHWRWKLQNRXWORXGWDONLQJWRWKHPVHOYHVZKLOHWKH\SOD\
:LOOEHJLQWRVKRZDQLQWHUHVWLQUHDGLQJHQMR\ORQJHUVWRULHVUHWHOOVWRULHV
DQGPDNHXSWKHLURZQVWRULHV
•
*URZLQJ&KDQJLQJ3K\VLFDOO\$FWLYH
6XJJHVWLRQV
\HDUVWR\HDUV
%DOOJDPHVJDOORSLQJKRUVHVZLWKVWUHDPHUVRUKREE\KRUVHV
SOD\KRSVFRWFKWU\FUHDWLYHGDQFHWREXLOGVNLOODQGFRQILGHQFH
*RWRWKHSDUNEHDFKVZLPPLQJSRROWRZDONULGHELNHVDQGHQMR\WKHRXWGRRUVWR
GHYHORSKHDOWKDQGILWQHVV
,QVWUXPHQWVSOD\GRXJKRUFOD\GUDZLQJDQGSDLQWLQJSXSSHWPDNLQJDOOKHOS
GHYHORSKDQGFRQWURO
7U\VRPHUHOD[DWLRQLGHDVZLWK\RXUSUHVFKRROFKLOGWRVHHZKDWWKH\SUHIHU5HOD[DWLRQ
H[SHULHQFHVFDQEHHVSHFLDOO\KHOSIXOLIDFKLOGEHJLQVWRKDYHVOHHSSUREOHPVHJQRW
EHLQJDEOHWRVHWWOHRUKDYLQJQLJKWPDUHV
0XVLFFODVVHV<RJDDQG7DL&KLFODVVHVFDQDOVRKHOSGHYHORSDVHQVHRIUK\WKP
EDODQFHVWUHQJWKDQGFRQWURO
6HH0RUH,QIRUPDWLRQFDUGLQWKLVVHFWLRQ
*URZLQJ&KDQJLQJ&RPPXQLFDWLQJ
6XJJHVWLRQV
\HDUVWR\HDUV
(QVXUHWKHUHLVVRPHVSHFLDOWLPHHDFKGD\IRUTXDOLW\FRQYHUVDWLRQV
+DYHIXQZLWKZRUGJDPHVDQGMRNHV
&RUUHFWSUHVFKRROHUVODQJXDJHPLVWDNHVJHQWO\LQFRQYHUVDWLRQ
2UJDQLVHSXSSHWVKRZV
'UDZRUZULWHFDUGVRUOHWWHUVWRVHQGWRRWKHUVIRUELUWKGD\VRUFHOHEUDWLRQV
2UJDQLVHDFRV\VWRU\WLPHHYHU\GD\WRGHYHORSDORYHRIUHDGLQJ
7KHUHDUHPDQ\VSHFLDOERRNVWKDWGHDOZLWKGLIILFXOWHYHQWVLIQHHGHG
9LVLWWKH/LEUDU\
0DNHXSVWRULHVWRGHDOZLWKGLIILFXOWLHV6HH6XVDQ3HUURZ¶VERRN
2IIHUZRUU\GROOVWRKHOSFKLOGUHQWRWDONDERXWWKHLUSUREOHPVDQGZRUULHV
*URZLQJ&KDQJLQJ(PRWLRQV
(PRWLRQV
\HDUVWR\HDUV
3UHVFKRROFKLOGUHQDUHIXOORILGHDVDQGLPDJLQDWLYH
VFKHPHV,IZHHQFRXUDJHWKHVHFKLOGUHQWRGHYHORSWKHLULGHDVZHZLOOKHOSGH
YHORSWKHLUFRQILGHQFHDQGLQLWLDWLYH,QLWLDWLYHLVDYDOXDEOHWUDLWWRKDYHWKDWKHOSV
WRIDFHDQGVROYHWKHGLIILFXOWLHVWKDWDULVHLQHYHU\RQH¶VOLIH
$OWKRXJKWKHSUHVFKRROFKLOGZLOOKDYHWKHLPDJLQDWLYHLGHDVWKH\ZLOORIWHQKDYH
SUREOHPVSXWWLQJWKHVHLGHDVLQWRDFWLRQHJSUREOHPVROYLQJKRZWREXLOGWKHLU
FXEE\RUFRQYLQFLQJRWKHUVWRSOD\LQDSDUWLFXODUZD\
7RHQFRXUDJHFKLOGUHQJLYHSRVLWLYHIHHGEDFNRQWKHLUHIIRUWVHJ³,VHH\RXKDYH
EHHQZRUNLQJYHU\KDUGEXLOGLQJWKLVFXEE\´WKHQJLYHVXJJHVWLRQVRURIIHUH[WUD
PDWHULDOVDQGOHWWKHPFKRRVHDQGWU\DGLIIHUHQWZD\7KLVDSSURDFKZLOOKHOS
WKHPGHYHORSFRQILGHQFHLQVROYLQJSUREOHPVZLWKRWKHUVKHOS
(QFRXUDJHZRUNLQJWRJHWKHUZLWKRWKHUVDQGVKDULQJLGHDV$FNQRZOHGJHIHHOLQJV
RIDQJHURUGLVDSSRLQWPHQWVRWKH\ZLOOIHHOFRPIRUWHGDQGZLOOLQJWRWU\DJDLQ
*URZLQJ&KDQJLQJ6RFLDOO\$FWLYH
6RFLDOO\$FWLYH
\HDUVWR\HDUV
7KHSUHVFKRRODJHLVDWLPHIRUOHDUQLQJKRZWRJHW
DORQJZLWKRWKHUV7KLVGHSHQGVDORWRQWKHFKLOG¶VGHYHORSPHQWRIHPSDWK\RUWKH
UHFRJQLWLRQRIRWKHUSHRSOH¶VIHHOLQJV7KLVLVDQLPSRUWDQWVNLOOLQPDNLQJNHHSLQJ
IULHQGV
6RPHWLPHVSUHVFKRROFKLOGUHQQHHGWREHHQFRXUDJHGWRXVHWKHLUZRUGVWRH[SODLQ
ZKDWWKH\ZDQWDQGWROLVWHQWRHDFKRWKHUDQGWRWU\WRXQGHUVWDQGWKHRWKHUSHUVRQ¶V
IHHOLQJV,IFKLOGUHQFDQQRWVHWWOHDGLVDJUHHPHQWDQGDUHEHFRPLQJDJJUHVVLYHWKHQ
LW¶VWLPHWRVWHSLQ7U\WRIROORZWKHIROORZLQJSURFHVV
•
$VNWKHPWRVWRSDQGOLVWHQWRHDFKRWKHU¶VVWRU\ZLWKRXWLQWHUUXSWLQJ
•
7KHQDVNWKHPWRWKLQNRIGLIIHUHQWVXJJHVWLRQVDQGVROXWLRQV
•
&RQVLGHUWKHSURVDQGFRQVRIVXJJHVWLRQVDQGOHWFKLOGUHQFKRRVHRQHVXJJHVWLRQ
7U\WKLVVXJJHVWLRQ&KHFNODWHUWRVHHWKDWWKLVZRUNHG$FNQRZOHGJHWKHLU
DFKLHYHPHQWRUUHSHDWSURFHVV
•
*URZLQJ&KDQJLQJ(PRWLRQV
\HDUVWR\HDUV
6RPHWLPHVLIDFKLOGKDVH[SHULHQFHGVRPHWUDXPDLQWKHLU
OLIHWKH\ZLOOODFNFRQILGHQFHIHHOLQVHFXUHRUVWUXJJOHZLWK
WKHLUHPRWLRQVRIVDGQHVVIHDUDQJHU .QRZLQJWKDW\RXORYHDQGFDUHIRUWKHPFDQ
KHOSEXLOGWKHLUFRQILGHQFHDQGVWDELOLW\
$OORZLQJWKHPWRGHYHORSWKHLULQWHUHVWVDQGSHUVRQDOLWLHVDSSUHFLDWLQJWKHPIRUZKR
WKH\DUHE\KLJKOLJKWLQJZKDWWKH\GRDQGRUJDQLVLQJVSHFLDODFWLYLWLHVIRUWKHPZLOODOVR
KHOSWKHPIHHOVSHFLDODQGFDUHGIRU
7DNLQJWKHWLPHWRWDONDERXWIHHOLQJVDQGDFNQRZOHGJLQJ\RXUIHHOLQJVWRRFDQKHOSD
FKLOGOHDUQDERXWIHHOLQJVDQGIHHOFRPIRUWHGWKDWRWKHUVFDUH
7KHUHDUHORWVRILQWHUHVWLQJERRNVIRUFKLOGUHQWKDWGLVFXVVIHHOLQJV
6HH0RUH,QIRUPDWLRQFDUG
6RPHFKLOGUHQLQGLIILFXOWWLPHVZLOOGHYHORSVRPHEHKDYLRXUVWKDWPD\QHHG
SURIHVVLRQDOKHOSHJDJJUHVVLYHEHKDYLRXUVIHDUIXOQHVVJULHIJXLOWZLWKGUDZDO
FRQVWDQWUHIXVDOWRGRFHUWDLQWKLQJV$VNIRUDGYLFHLI\RXWKLQNWKLVLVQHHGHG
6HH0RUH,QIRUPDWLRQFDUGLQWKLVVHFWLRQ
*URZLQJ&KDQJLQJ
6XJJHVWLRQV
\HDUVWR\HDUV
+HOSDFKLOGIHHOFRQILGHQWLQZKRWKH\E\KHOSLQJWKHP
IHHOWKH\EHORQJWRWKHLUVSHFLDOIDPLO\&UHDWHDIDPLO\ERRNIRUWKHPZLWKSKRWRVRI
VSHFLDOSHRSOHDQGHYHQWV(YHQWKRXJKDFKLOG¶VSDUHQWPD\QRORQJHUEHWKHUHIRU
ZKDWHYHUUHDVRQVWRDFNQRZOHGJHWKHLUSDUHQWVZLOOPDLQWDLQDERQGWKDWFDQKHOS
DFKLOGIHHODGHHSVHDWHGFRQQHFWLRQWRRWKHUV7KDWVWURQJVHQVHRIVHOIDQGEH
ORQJLQJFDQHQFRXUDJHWKHPWRVHHNDQGPDNHIULHQGVWKURXJKRXWOLIH
6HWVRPHVLPSOHUXOHVIRUOLYLQJLQ\RXUIDPLO\$IHZVLPSOHUXOHVFDQKHOSDFKLOG
IHHOVDIHDQGFDUHGIRU&RQVHTXHQFHVQHHGWREHDSSOLHGWRRDVWKLVKHOSVEXLOG
UHVSRQVLELOLW\2UJDQL]HDWLPHRXWSODFHZKHUHDFKLOGFDQJRLIWKH\QHHGWRFDOP
GRZQDQGWKLQNDERXWWKHUXOHV
(QFRXUDJHDFKLOGWREHDKHOSHUDQGDYDOXHGSDUWRIWKHIDPLO\HJVHWWLQJWKH
WDEOHVZHHSLQJWKHSDWKZD\%HVXUHWRJLYHVSHFLILFWKDQNVDQGFHOHEUDWHELJMREV
ZLWKLF\FROGGULQNVRUIUXLWLFHEORFNVWRDFNQRZOHGJHWKHLUKHOS
*URZLQJ&KDQJLQJ7KLQNLQJ
7KLQNLQJ
\HDUVWR\HDUV
3UHVFKRROFKLOGUHQDUHGHYHORSLQJORQJWHUPPHPRU\DQGDVHQVHRIWKH
VHTXHQFHRIHYHQWVLQWLPH
,PDJLQDWLRQDQGSUHWHQGJDPHVWKHDELOLW\WRVROYHSUREOHPVLQWKHLUPLQG
UDWKHUWKDQUHO\RQWULDODQGHUURU
7KHDELOLW\WRSUHGLFWZKDWPLJKWKDSSHQ
7KHDELOLW\WRPDNHDVLPSOHSODQDQGVWLFNWRLW
3UHVFKRROFKLOGUHQZLOORIWHQWDONWRWKHPVHOYHVZKLOHWKH\SOD\WKLQNLQJRXW
ORXG7KH\EHFRPHDEVRUEHGLQWKHLUWKRXJKWVDQGSOD\DQGZLOOQHHGUHPLQGLQJ
WKDWVRRQLWZLOOEHWLPHWRSDFNDZD\WKHQEHJLYHQWLPHWRDGMXVWWRDQRWKHU
DFWLYLW\
3UHVFKRROFKLOGUHQZLOOEHJLQWRXQGHUVWDQGUHDGLQJZULWLQJDQGQXPEHUVDQG
ZLOOLQFOXGHWKHVHFRQFHSWVLQWKHLUSOD\
*URZLQJ&KDQJLQJ0RUH,QIRUPDWLRQ
0RUH,QIRUPDWLRQ
\HDUVWR\HDUV
,I\RXDUHZRUULHGDERXW\RXUFKLOGLQDQ\ZD\FRQWDFW
\RXUORFDO&RPPXQLW\+HDOWK&HQWUHDQGDVNIRUWKH&KLOGDQG)DPLO\+HDOWK6HUYLFH
7KH&KLOGDQG)DPLO\+HDOWK1XUVHFDQUHIHU\RXWRVSHFLDOLVWVWRKHOSDVVHVVDQGVXSSRUW
LQIDQWVDQGFKLOGUHQZLWKKHDOWKKHDULQJVSHHFKPRYHPHQWHPRWLRQDODQGOHDUQLQJ
SUREOHPV7KHVHUYLFHLVIUHH
3R'3DUHQWVRI'HDILVDVXSSRUWJURXSLQ/LVPRUHWKDWKHOSVFDUHUVGHDOZLWK
WKHLVVXHVWKDWPD\DULVHLQVXSSRUWLQJDFKLOGZLWKKHDULQJORVV
&RQWDFW'HDI6RFLHW\/LVPRUH
3DUHQWLQJ/LVPRUH¶V:D\LVDFROOHFWLRQRIERRNVDQG'9'VDYDLODEOHDWWKH
/LVPRUHDQG*RRQHOODEDKOLEUDULHV,QFOXGHVDVHOHFWLRQRIERRNVDERXWIHHOLQJV
DQGPDQDJLQJEHKDYLRXUV&RQWDFW\RXUORFDOOLEUDU\IRUERUURZLQJGHWDLOV
$XVWUDOLDQ%UHDVWIHHGLQJ$VVRFLDWLRQLVDQH[FHOOHQWVRXUFHIRUERRNVDERXW
6SHFLDOLVVXHVIRUEURWKHUVDQGVLVWHUVZLWKDQHZEDE\
2UGHUE\PDLO32%R[*OHQ,ULV9LFRUEX\IURPWKHVDOHVGLYLVLRQ
*URZLQJ&KDQJLQJ
6XJJHVWLRQV
\HDUVWR\HDUV
3OD\WKLQNLQJFDUGDQGERDUGJDPHV%RUURZIURPDWR\OLEUDU\
)RFXVRQPDWKVDQGQXPEHUVZLWKFRXQWLQJVRQJVDQGQXPEHUSUREOHPVHJ
VHWWLQJWKHWDEOHZLWKDSODWHFXSHWFIRUHDFKSHUVRQ
)RFXVRQVFLHQWLILFDQGQDWXUHGLVFRYHULHVREVHUYLQJQDWXUHDQGHYHQWVLQRXU
EHDXWLIXOZRUOG(QMR\JDUGHQLQJWRJHWKHU
)RFXVRQUHDGLQJZULWLQJQRWLFLQJWUDIILFVLJQVHQWU\DQGH[LWVLJQVORRNLQJIRU
IRRGLQVXSHUPDUNHW
*RLQJWRWKHOLEUDU\DQGERUURZERRNVIRUVWRU\WLPHRUUHVHDUFK
VHQGFDUGVDQGOHWWHUVLQWKHPDLORUYLDLQWHUQHW
(QUROO\RXUFKLOGLQSUHVFKRROWRH[WHQGOHDUQLQJDQGZRUNLQJZLWKRWKHUV
*URZLQJ&KDQJLQJ
0RUH,QIRUPDWLRQ
\HDUVWR\HDUV
7KHZHEVLWHKWWSUDLVLQJFKLOGUHQQHWDXLVDQLQWHUHVWLQJZHEVLWHDERXWKRZFKLOGUHQ
OHDUQDQGKRZSDUHQWVFDQHQFRXUDJHDQGVXSSRUWWKHLUFKLOGUHQ7KHLQIRUPDWLRQLV
SUHVHQWHGLQGLIIHUHQWZD\VDQGLVHDV\WRIROORZ
7KH16:'HSDUWPHQWRI&RPPXQLW\6HUYLFHVKDVDQLQWHUHVWLQJZHEVLWHZLWKD
3DUHQWLQJ6HFWLRQWKDWKDVIDFWVKHHWVWRKHOSSDUHQWVFDUHIRU\RXQJFKLOGUHQ
9LVLWWKHZHEVLWHDWZZZFRPPXQLW\QVZJRYDX
%RUURZWR\VIURPD7R\/LEUDU\&RQWDFW\RXUORFDOFRXQFLORUQHLJKERXUKRRGFHQWUH
IRUGHWDLOVRIDWR\OLEUDU\QHDU\RX8VXDOO\WR\OLEUDULHVDUHRSHQRQHRUWZRPRUQLQJV
SHUZHHNDQGIRUDQDQQXDOIHH\RXFDQERUURZWR\VFKDQJLQJWKHPZHHNO\RUNHHSLQJ
WKHPIRUXSWRDPRQWKLI\RXZLVK
-RLQDSOD\JURXSRUHQURO\RXUSUHVFKRROFKLOGLQDFKLOGFDUHVHUYLFHVRWKH\JDLQ
H[SHULHQFHOHDUQLQJDQGSOD\LQJZLWKRWKHUFKLOGUHQ
&RQWDFWWKH3OD\JURXS$VVRFLDWLRQRQ
7KH<:&$/LVPRUH&RPPXQLWLHVIRU&KLOGUHQ5HVRXUFH%RRNOHWIRU3DUHQWV
&DUHUVOLVWVVRPHVSHFLDOSOD\JURXSVLQWKH/LVPRUH$UHD)RUDFRS\RIWKLVERRNOHW
SKRQH7KLVERRNOHWDOVROLVWVFKLOGFDUHFHQWUHVDQGSUHVFKRROVLQ/LVPRUH
You may keep a cot or fold down bed in your room
for those times when they need to sleep close to you.
Taking your grandchild into your bed to sleep with
you won’t create a lifetime habit –they’ll grow out
of it feeling very secure in your love and care
for them. Health concerns are that their head
shouldn’t go under the bedclothes and it’s not
wise to sleep with your child if you are a smoker.
Many of the grandchildren being raised by their grandparents have gone through
a lot, and they may have big issues about sleep, being scared of the dark and
not wanting to sleep alone. Many grandcarers have kids sleeping at least
part of every night in their beds, because this is what the children need.
Do you recall how in old movies prisoners were tortured to tell state secrets? One of the most
effective methods was the old “deprive them of sleep” torture. Many of us thought that was over
years ago when our own kids finally learned to sleep through the night. Now here we are again
coping with babies and toddlers who are tricky to get down, or up in the night when all we want
is to get a good night’s sleep, and we’ve earned it!
SLEEP
6/((30LQLPLVLQJWKHULVNRI6,'6
:KDWFDXVHV6XGGHQ,QIDQW'HDWK6\QGURPH6,'6"
$OWKRXJKQRUHVHDUFKKDVSURYHQFRQFOXVLYHPDQ\VWXGLHVLQGLFDWHWKDW6,'6RFFXUVGXHWR
LQVWDELOLWLHVDQGLPPDWXULWLHVLQDEDE\¶VUHVSLUDWRU\DQGFDUGLRYDVFXODUV\VWHPV
EUHDWKLQJSUREOHPVDQGLUUHJXODUKHDUWUDWH
0,1,0,6,1*7+(5,6.62)6,'6
•
%DELHVVKRXOGEHODLGWRVOHHSRQWKHLUEDFNVUDWKHUWKDQRQWKHLUVLGHVRUIURQW
•
6LWXDWH\RXUEDE\VRWKDWWKHLUIHHWWRXFKWKHERWWRPRIWKHFRWWRSUHYHQWWKHP
IURPVOLSSLQJGRZQDQGEHQHDWKWKHFRYHUV
•
&RQWURO\RXUEDE\¶VWHPSHUDWXUHE\QRWRYHUGUHVVLQJKHURURYHUKHDWLQJWKHURRP
.HHSWKHURRPZHOOYHQWLODWHG
6/((30LQLPLVLQJWKHULVNRI6,'6
6DIHVOHHSLQJSRVLWLRQIRUEDELHV
6/((30LQLPLVLQJWKHULVNRI6,'6
•
,WLVDGYLVDEOHWKDWEDELHVQHYHUVOHHSZLWKDSLOORZRUFRWEXPSHUV
•
,I\RXKDYHEHHQVPRNLQJRUGULQNLQJDOFRKRO\RXVKRXOGDYRLGVOHHSLQJZLWK\RXUEDE\
•
$YRLGFRYHULQJDEDE\¶VKHDGZKLOHWKH\DUHVOHHSLQJ
•
1HYHUFRVOHHSZLWKDEDE\LI\RXUVHQVHRIYLJLODQFHKDVEHHQLPSDLUHGE\GUXJV
DOFRKRORUH[KDXVWLRQ
•
%DELHVVKRXOGQRWFRVOHHSZLWKRWKHUFKLOGUHQ
•
)DYRXUFRWWRQEHGGLQJZKLFKLVERWKEUHDWKDEOHDQGZDUP
•
1HYHUVPRNHDURXQGDEDE\DQGHVSHFLDOO\QRWLQWKHURRPZKHUH\RXUEDE\VOHHSV
6/((30LQLPLVLQJWKHULVNRI6,'6
Feet at bottom of cot
3RVLWLRQEDE\¶VIHHWDWWKHERWWRPRIWKHEHG
$YRLGLQFOXGLQJDQ\WKLQJLQWKHFRW
ZKLFKFRXOGFRYHUEDE\¶VKHDGWR\VSLOORZVFRWEXPSHUVGRRQDV
6/((37LUHG6LJQV
%HLQJDEOHWRVSRW\RXUEDE\¶VWLUHGVLJQVDOORZV\RXWRUHVSRQGTXLFNO\
JLYLQJ\RXUEDE\DEHWWHUFKDQFHRIVHWWOLQJWRVOHHSPRUHHDVLO\
EHIRUHWKH\EHFRPHRYHUWLUHGDQGµSDVWLW¶
•
%DELHVDJHG±PRQWKVZLOOJHQHUDOO\EHWLUHGDQGLQQHHGRIVOHHSDIWHUòò
KRXUVRIDZDNHWLPH
•
%HLQJDZDUHRIEDE\¶VFXHVWKDWWKH\DUHWLUHGDQGSXWWLQJWKHPWREHGZKHQWKH\
DULVHHQDEOHV\RXWRHVWDEOLVKEHWWHUVHWWOLQJWHFKQLTXHVDQGKHOSV\RXUJUDQGFKLOGOHDUQD
JRRGVOHHSLQJURXWLQH
•
6LJQVWKDW\RXUEDE\LVWLUHGPD\LQFOXGHVSRQWDQHRXVMHUN\PRYHPHQWV±WKHLU
DUPVDQGOHJVPD\PRYHHUUDWLFDOO\WKH\ZLOOSUREDEO\ORVHLQWHUHVWLQWKLQJVDQGVWDUWWR
ORRNPRUHVHULRXVWKH\PD\\DZQDQGJUDEDWWKHLUHDUVWKH\PD\VWDUWDUFKLQJEDFN
ZDUGVDQGVKRZIXVV\EHKDYLRXUDQGFU\LQJ
7RSWHQZD\VWRKHOSEDELHVVOHHS
/($51%$%<¶67,5('6,*16
5DWKHUWKDQZDLWLQJWLOO\RXUEDE\LVµSDVWLW¶SXWKHUWREHGDVVRRQDVVKHVKRZV
WLUHGVLJQVZKLFKLQFOXGH\DZQLQJµMHUN\¶PRYHPHQWVORVLQJLQWHUHVWLQSHRSOHDQGWR\V
DQGIXVVLQJ,I\RXPLVVWKHZLQGRZRIRSSRUWXQLW\\RXUEDE\LVOLNHO\WRILQGLWKDUGHU
WRVHWWOH
6:$''/,1*:5$33,1*
6ZDGGOLQJRUZUDSSLQJ\RXUEDE\SURYLGHVDVHQVHRIVHFXULW\DQGKHOSVPLQLPLVHWKH
VWDUWOHUHIOH[DSULPLWLYHVXUYLYDOUHIOH[WKDWSURGXFHVVSRQWDQHRXVMHUN\PRYHPHQWVZKLFK
FDQGLVWXUE\RXUEDE\DQGZDNHWKHPXS:UDSEDE\LQDPXVOLQVKHHWRUDVRIWVKDZOLQ
ZLQWHU*UDGXDOO\ZUDSPRUHORRVHO\DQGGLVFDUGWKHZUDSDVWKLVUHIOH[GLVDSSHDUV
DURXQGPRQWKV
,1752'8&(%('7,0(5287,1(6
6SHFLILFEHGWLPHURXWLQHVDFWDVFXHVWKDWKHOSEDELHVZLQGGRZQDQGEHFRPHFRQGLWLRQHGWR
IDOODVOHHS%DWKLQJEDELHVUHJXODUO\MXVWEHIRUHEHGWLPHLVDQLGHDOVLJQDOWKDWOHWVWKHPNQRZ
EHGWLPHLVDSSURDFKLQJ/XOODELHVDQGVOHHS\ZRUGVVXFKDVµ1L1LWLPH¶RUµ%\HE\HV¶DOVR
KHOSEDELHVIRUPEHGWLPHDVVRFLDWLRQV
6/((37LUHG6LJQV
•
•
:KHQ\RXUHFRJQLVH\RXUEDE\¶VWLUHGVLJQVLWKHOSVWRUHGXFHVWLPXODWLRQDQGHVWDEOLVK
DTXLHWWLPHURXWLQH
(VWDEOLVKDTXLHWWLPHURXWLQHE\VWDUWLQJWRFDOP\RXUEDE\¶VHQYLURQPHQW
7XUQRII79VRUVWHUHRVDQGOHWRWKHUVLEOLQJVNQRZWKDWLW¶VWLPHIRUEDE\¶VVOHHSVRWKDW
WKH\NQRZWRSOD\TXLHWO\3URYLGHYLVXDOFXHVIRUEDE\E\SDFNLQJWR\VDZD\DQG
GLPPLQJWKHLUURRPSXOOLQJWKHFXUWDLQVHWF0RYHEDE\WRKHUFRWRUVOHHSLQJSODFH
DQGVSHDNLQDTXLHWVRRWKLQJYRLFH7HOOKHULW¶VWLPHIRUVOHHSLQJQRZZLWKVOHHS\WLPH
FXGGOHVDVRQJRUDVRIWO\ZKLVSHUHGVWRU\
$VDJHQHUDOUXOHEDELHVZKRDUH±PRQWKVZLOOQHHGWRVOHHSDIWHU
KRXUVDZDNHDQGZLOOXVXDOO\VKRZVLJQVRIQHHGLQJVOHHSDURXQGWKLVWLPH%DELHVZKR
DUH±PRQWKVZLOOVRPHWLPHVQHHGDVKRUWPRUQLQJQDSDQGDORQJHUVOHHSLQWKH
DIWHUQRRQDQGZLOOVKRZWLUHGVLJQVLIWKH\PLVVRXWRQWKLV
•
•
/RRNIRUROGHUEDELHVWLUHGVLJQVWKH\DUHPRUHSURQHWRFU\LQJDQGEHFRPHHDVLO\
XSVHWIUXVWUDWHGDQGIXVV\7KH\DOVRWHQGWREHFRPHPRUHFOLQJ\DQGPRUHLQQHHGRI
\RXUDWWHQWLRQZKHQWKH\QHHGWKDWDOOLPSRUWDQWVOHHS
7RSWHQZD\VWRKHOSEDELHVVOHHS
%$%<0$66$*(
5HVHDUFKFRQGXFWHGDW0LDPL8QLYHUVLW\VKRZHGWKDWLQIDQWVZKRZHUHPDVVDJHG
GDLO\IRURQHPRQWKILIWHHQPLQXWHVSULRUWREHGWLPHIHOODVOHHSPRUHHDVLO\E\WKH
HQGRIWKHVWXG\,QDGGLWLRQWRHQKDQFLQJQHXURORJLFDODQGSK\VLFDOGHYHORSPHQW
PDVVDJHUHGXFHVVWUHVVKRUPRQHVDQGHQFRXUDJHVSRVLWLYHUHOD[DWLRQKRUPRQHVWKDW
KHOSEDELHVVHWWOHPRUHHDVLO\
52&.,1*
&DUU\LQJEDELHVLQDVOLQJJHWWLQJWKHPXVHGWRWKHPRWLRQRIDURFNLQJFKDLURUD
VSHFLDOSXUSRVHEDE\KDPPRFNFDQKHOSOXOOEDELHVWRVOHHS+RZHYHUVRPH
FKLOGFDUHSURIHVVLRQDOVEHOLHYHWKDWWKLVLVSXWWLQJWRRPXFKHPSKDVLVRQWKHSDUHQW
JHWWLQJWKHFKLOGWRVOHHSDQGDGYLVHWKDWEDELHVVKRXOGEHSXWWREHGZKHQGURZV\
DQGHQFRXUDJHGWRGHYHORSWKHLURZQVOHHSVHOIUHOLDQFH8VH\RXURZQGLVFUHWLRQ
+(/3%$%</($51'$<)5201,*+7
7HDFKEDELHVWKHGLIIHUHQFHEHWZHHQGD\DQGQLJKWE\NHHSLQJWKHOLJKWVORZDQG
DWWHQGLQJWRKHUTXLHWO\GXULQJQLJKWIHHGV5HVHUYHDFWLYHSOD\DQGFKDWWHUIRUGD\WLPH
7RSWHQZD\VWRKHOSEDELHVVOHHS
1,*+7086,&
5HSHWLWLYHVRXQGVDQGFDOPLQJOXOODE\PXVLFKHOSV\RXUEDE\UHFDOOWKHVRXQGVVKHKHDUG
LQWKHZRPEEHIRUHELUWK0XVLFZKLFKLQFRUSRUDWHVVRXQGVOLNHWKHUK\WKPRIWKH
PDWHUQDOKHDUWEHDWDQGZRPEVRXQGVFDQDFWDVJUHDWVRRWKLQJDLGV
60$571,*+71$33<&+$1*(6
<RXFDQDYRLGEDELHVZDNLQJXSPRUHWKDQWKH\QHHGWRGXULQJQLJKWIHHGVE\FKDQJLQJ
1DSSLHVHLWKHUEHIRUHRUKDOIZD\WKURXJKDIHHGUDWKHUWKDQDWWKHHQGZKHQWKH\DUH
VOHHS\DQGIXOO
/$67)(('
:KHQLW¶VWLPHIRU\RXWRJRWREHG\RXPLJKWWU\RIIHULQJEDE\DWRSXSIHHGZKLFK
PD\HQDEOHKHUVOHHSSDWWHUQWRPRUHHDVLO\FRLQFLGHZLWK\RXUV
3+21(67XUQ\RXUPRELOHSKRQHDQGKRPHSKRQHGRZQUHDOO\ORZDWQLJKWVRWKDW
WKHVKDUSQRLVHEUHDNLQJWKHVLOHQFHRIDTXLHWKRXVHGRHVQ¶WGLVWXUEDOLJKWVOHHSHU
6/((3%HGZHWWLQJ
%HGZHWWLQJLVDFRPPRQFKLOGKRRGSUREOHPZKLFKPRVWFKLOGUHQJURZRXW
RIE\WKHWLPHWKH\VWDUWVFKRRODOWKRXJKPDQ\SULPDU\VFKRRODJHFKLOGUHQVWLOO
ZHWWKHEHG
•
•
&KLOGUHQZKRZHWWKHEHGDSSHDUWREHKHDY\VOHHSHUVDQGIDLOWRZDNHZKHQ
WKH\KDYHDIXOOEODGGHU
5HOLDEOHEODGGHUFRQWUROGXULQJGD\DQGQLJKWJHQHUDOO\RFFXUVEHWZHHQWKHDJHVRI
DQG\HDUV5HDVVXUH\RXUFKLOGWKDWEHGZHWWLQJLVQRUPDODQGWKDWLWLVQRW
WKHLUIDXOWRUDQ\WKLQJWREHDVKDPHGRI
•
5HPHPEHUWRSUDLVH\RXUFKLOGIRUGU\QLJKWVDQGDYRLGGUDZLQJQHJDWLYH
DWWHQWLRQWRZHWQLJKWV3XQLVKLQJRUWHDVLQJ\RXUFKLOGHYHQE\EURWKHUVDQG
VLVWHUVFDQFDXVHVKDPHDQGPD\PDNHWKHVLWXDWLRQZRUVH
•
7RSWHQZD\VWRKHOSEDELHVVOHHS
7ULHGDQGWHVWHGSHUVRQDOWLSV
•
75<$1$48$5,80
3ODFLQJDVPDOODTXDULXPLQ\RXUFKLOG¶VURRPKHOSVSURPRWHDGHHSVOHHSLQGXFLQJFDOP
DQGGRXEOHVXSDVDQLJKWOLJKWDVZHOO7KH\FDQEHERXJKWFKHDSO\DWVKRSVOLNH%LJ:
IRUDURXQG
•
•
•
:$507+(%('
,ILW¶VFROGZHDWKHUDYRLGWKHMDUULQJHIIHFWRIDFROGEHGE\JHQWO\KHDWLQJWKHDUHDZLWK
DKRWZDWHUERWWOHEHIRUHSODFLQJEDE\LQEHG5HPRYHWKHKRWZDWHUERWWOHEHIRUH
SXWWLQJWKHEDE\LQWRWKHFRW
5($6685,1*5(78516
:LWKROGHUEDELHVDQGWRGGOHUVOHDYHWKHURRPVD\LQJ\RX¶OOFRPHEDFNDQGFKHFNRQ
WKHPLQWHQPLQXWHV(DFKWLPH\RXFRPHEDFNVD\WKHVDPHZRUGVDQGOHDYH
(YHQWXDOO\WKH\¶OOIHHOUHDVVXUHGDQGZLOOIDOODVOHHSZKLOHZDLWLQJIRU\RXUUHWXUQ
'21¶7&5((3$5281'
%DELHVWHQGWRVOHHSEHVWZLWKWKHVRXQGRIQRUPDOKRXVHKROGVRXQGVLQWKHEDFNJURXQG
7KH\VHHPWRVHWWOHEHWWHUZKHQWKH\VHQVHRWKHUIDPLO\PHPEHUVDURXQGWKHP
6/((3%HGZHWWLQJ
+HOS\RXUFKLOG¶VVHOIHVWHHPE\KHOSLQJWKHPZDVKRUVKRZHULQWKHPRUQLQJDIWHU
EHGZHWWLQJWRDYRLGWKHPIHHOLQJµVPHOO\¶DQGEHLQJWHDVHG%HGZHWWLQJRIWHQUXQVLQ
IDPLOLHVDQGNQRZLQJWKDWµ*UDQGDGXVHGWRGRLWZKHQKHZDVDFKLOG¶FDQKHOSWKHP
QRUPDOLVHWKHH[SHULHQFH
•
(QVXUH\RXUFKLOGGULQNVSOHQW\RIIOXLGVWKURXJKRXWWKHGD\EXWNHHSHYHQLQJIOXLGVWR
WKHPLQLPXP6RIWGULQNVFRQWDLQLQJFDIIHLQHLQFUHDVHXULQHSURGXFWLRQDQGDUHQRW
UHFRPPHQGHG
•
/HDYHDQHYHQLQJOLJKWRQWKDWHQFRXUDJHV\RXUFKLOGWRIHHOVDIHDERXWJHWWLQJ
XSWRJRWRWKHWRLOHWLQWKHQLJKW
•
7KHXVHRIPDWWUHVVSURWHFWRUVµSXOOXSV¶RUEHGZHWWLQJDODUPVXVXDOO\IRU
FKLOGUHQRYHUPD\WDNHVRPHVWUHVVRXWRIWKHVLWXDWLRQIRU\RXDVWKHSDUHQW
$VN\RXU&KLOGDQG)DPLO\+HDOWKQXUVHDW&RPPXQLW\KHDOWKIRULQIRUPDWLRQDERXW
DODUPVRUXVHWKHLQWHUQHWWRVHDUFKIRUPRUHGHWDLOV
•
2FFDVLRQDOO\EHGZHWWLQJFDQEHGXHWRDPHGLFDOSUREOHPVRFKHFNZLWK\RXUGRFWRULI
\RXDUHFRQFHUQHG
•
6/((31LJKW7HUURUV
1LJKWWHUURUVXVXDOO\RFFXULQFKLOGUHQEHWZHHQWKHDJHVRIDQG\HDUV
•
DQGKDSSHQLQWKHILUVWWKLUGRIDQLJKW¶VVOHHSPXFKOLNHVOHHSZDONLQJVOHHSWDONLQJ
DQGEHGZHWWLQJ
6RPHUHVHDUFKHUVEHOLHYHWKDWQLJKWWHUURUVDUHGXHWRLPPDWXULWLHVLQWKHQHUYRXV
•
V\VWHPZKHUHDVRWKHUVEHOLHYHWKDWWKH\DUHDSK\VLRORJLFDOUHDFWLRQWRVWUHVV
1LJKWWHUURUVDUHQRWWHFKQLFDOO\GUHDPVEXWDFRPPRQDQGPLOGIRUPRI
VOHHSGLVRUGHU:LWKWUDGLWLRQDOQLJKWPDUHVFKLOGUHQZDNHXSVFDUHGIXOO\FRQVFLRXV
•
DQGLQQHHGRIDQGUHVSRQVLYHWRUHDVVXUDQFH
1LJKWWHUURUVGLIIHUIURPQLJKWPDUHVLQWKDWWKHFKLOGDSSHDUVWRZDNHLQDVWDWHRI
•
IHDUDQGJURZLQJSDQLF\HWWKH\DUHXQUHVSRQVLYHDQGVHHPDOPRVWWUDQFHOLNH
6FUHDPLQJFU\LQJDQGRSHQH\HVDUHRIWHQRWKHUNH\IHDWXUHVRIQLJKWWHUURUV
(QFRXUDJLQJLQGHSHQGHQWVOHHSLQJ
5HVHDUFKLQWREDELHVVOHHSKDVLGHQWLILHGVRPHVLPSOHVWUDWHJLHVZKLFK
SURPRWHLQGHSHQGHQWVOHHSKDELWV
•
7HDFK\RXUEDE\WRGLVWLQJXLVKWKHGLIIHUHQFHEHWZHHQQLJKWDQGGD\5HVHUYH
QLJKWWLPHIRUIHHGLQJFKDQJLQJDQGVOHHSLQJRQO\DQGGRQ¶WHQJDJHLQSOD\DWWKLVWLPH
.HHSWKHOLJKWVLQEDE\¶VURRPVRIWDQGGLPZKHQIHHGLQJRUDWWHQGLQJWR\RXUEDE\DW
QLJKW8VHDXGLWRU\FXHVVXFKDVVRIWZKLVSHUVDQGFHUWDLQZRUGV5HVSRQGWR\RXU
EDE\¶VFULHVIRUDWWHQWLRQDWQLJKWDVSURPSWO\DVSRVVLEOHVRWKDWKHGRHVQRWZDNH
KLPVHOIXSWRRPXFKDQGWKHUHIRUHVHWWOHVEDFNWRVOHHSPRUHHDVLO\
•
•
3XW\RXUEDE\WRVOHHSZKHQKHLVGURZV\EXWVWLOODZDNHUDWKHUWKDQURFNLQJ
KLPRUDVVLVWLQJKLPWRVOHHSLQVRPHZD\,WFDQEHFRPIRUWLQJWRURFN\RXUFKLOGDQG
KHOSVHWWOHKLPWRVOHHSDQGWKHUHLVQRWKLQJZURQJZLWKGRLQJWKLV<RXFDQHQFRXUDJH
PRUHLQGHSHQGHQFHDQGVHOIVRRWKLQJKRZHYHULI\RXKHOSEDE\OHDUQWRSXWKLPVHOIWR
VOHHSE\ZD\RIFRQVLVWHQWDQGSUHGLFWDEOHURXWLQHV
6/((31LJKW7HUURUV
•
)RUWXQDWHO\QLJKWWHUURUVDUHXVXDOO\RFFDVLRQDOKDSSHQLQJVDQGODVWQRORQJHU
WKDQDERXWWHQPLQXWHV
•
,WLVQRUPDOWRIHHODQ[LRXVZKHQQLJKWWHUURUVRFFXUDV\RXUFKLOGDSSHDUV
XQDEOHWREHFRPIRUWHGDQGWKLVLVQDWXUDOO\GLVWUHVVLQJ6WD\LQJFORVHWR\RXUFKLOG
KRZHYHUDQGFRQWLQXLQJWRDFWLQDVRRWKLQJDQGUHDVVXULQJPDQQHULVWKHEHVWWKLQJWRGR
•
5HFRJQLVLQJZKDWDQLJKWWHUURULVDQGZKHQ\RXUFKLOGLVKDYLQJRQHFDQ
KHOS\RXWRZRUU\OHVV5HPLQG\RXUVHOIWKDWWKH\DUHDQDWXUDODQGLQIUHTXHQW
SDUWRIFKLOGKRRG,IWKH\DSSHDUWRSHUVLVWKRZHYHUWDONWR\RXU*3RU&KLOGDQG
)DPLO\+HDOWKQXUVHDW&RPPXQLW\+HDOWK
6/((36XSSRUWDQGUHVRXUFHV
•
,I\RXDUHKDYLQJSUREOHPVZLWK\RXUEDE\RUFKLOG¶VVOHHSSDWWHUQVVXFKDV
VHWWOLQJ\RXUEDE\RUQLJKWZDNLQJWDONWR\RXUHDUO\FKLOGKRRGQXUVHRU\RXUGRFWRU
IRUDGYLFHDQGDVVLVWDQFH
7KH1RUWKHUQ5LYHUVIDPLO\&DUH&HQWUHLVEDVHGDW6W9LQFHQW¶V+RVSLWDODQG
SURYLGHVVXSSRUWWRIDPLOLHVZLWKFKLOGUHQDJHG±\HDUVLQFOXGLQJKHOSZLWK
VHWWOLQJWHFKQLTXHV&RQWDFW
•
•
)RULQIRUPDWLRQRQPDQDJLQJVOHHSDQGRWKHUHDUO\FKLOGKRRGLVVXHV\RXFDQDOVR
FRQWDFWWKH&KLOGDQG)DPLO\KHDOWK6HUYLFHDW*RRQHOODEDKRQ
•
3DUHQWLQJKRWOLQH16:DOVRRIIHUVVXSSRUWDQGDGYLFHKRXUVDGD\RQ
•
7UHVLOOLDQKHOSOLQHSURYLGHVKRXU$XVWUDOLDZLGHVXSSRUW
•
.DULWDQHRSHUDWHVDVLPLODUVXSSRUWVHUYLFHDQGFDQEHFRQWDFWHGRQ
0RQGD\±7KXUVGD\KRXUVDGD\)ULGD\±6XQGD\DP±SP
An appropriate vitamin supplement for young children
might be useful in setting your mind at rest, and this
may mean that you have less conflict over meals.
If you are concerned try keeping a list of what your toddler
eats, for a week. If you are still worried when you read
the list, check with your doctor or Early Childhood Clinic
at Community Health (6620 2967).
You don’t need to become stressed about food, just keep
providing healthy choices and the kids will be fine.
Life can be quite miserable for everyone if you feel that you have
to battle with toddlers over what they eat, or refuse to eat!
If you provide a variety of healthy foods, no child will starve
or end up malnourished.
Laying down healthy eating and drinking habits is very important. Water is vital! Teach your children
to drink water very often, and avoid getting them into the habit of having to have juice or sugary
drinks. We all need to drink plenty of water to be healthy and right from the start is the way to go!
EATING
We have added some blank cards at the end of this
section so that you can collect great recipes to
make with kids helping.
1. Fruit Kebabs
2. Delicious Salads
3. Mini Pizza
4. Zucchini Slice
5. Spud Buddies
6. Healthy Snacks
7. How to make Sushi with kids helping
8. Carrot and Muesli Muffins
9. Funny Face Omelets
Recipes are on the front and shopping lists on the back.
Cooking with kids is fun and lays great foundations for helpfulness later.
Here are some recipes for healthy foods you can make with
toddlers helping.
RECIPES
(DWLQJ)RRG$OOHUJLHV
$QDOOHUJ\LVDVLJQDOWKDWWKHLPPXQHV\VWHPKDVEHFRPHRYHUVHQVLWLYHWRVRPHWKLQJLQRXU
HQYLURQPHQW7KHLPPXQHV\VWHPWKHQWULHVWRSURWHFWXVIURPWKLQJVWKDWPRVWLPPXQH
V\VWHPVGRQ¶WZRUU\DERXW±VXFKDVSROOHQRUKRXVHGXVW$QDOOHUJ\LVDQDEQRUPDO
UHVSRQVHWRDIRUHLJQLQYDGHU
,QRIFDVHVDIRRGDOOHUJ\LVFDXVHGE\RQHRIWKHIROORZLQJIRRGV
PLONZKHDWVHHGVQXWVHVSHFLDOO\SHDQXWVVR\SURGXFWVDQGVKHOOILVK
:KHQEDELHVILUVWVWDUWVROLGVWDNHFDUHWRLQWURGXFHHDFKQHZIRRGVORZO\DQGVWD\DOHUWIRUDQ\
DGYHUVHUHDFWLRQV&RPPRQV\PSWRPVRIDOOHUJLHVLQFOXGH'LDUUKRHDDQGDEGRPLQDOSDLQYRPLWLQJ
UDVKHVDQGVZHOOLQJRIOLSVDQGPRXWK±EXWLW¶VXQOLNHO\WKDWDOOUHDFWLRQVZLOORFFXUDWWKHVDPHWLPH
%RRVWFKLOGUHQ¶VLPPXQHV\VWHPVZLWKDZKROHIRRGGLHWULFKLQIUXLWDQGYHJHWDEOHVJUDLQVSXOVHV
DQGEHDQVXQUHILQHGRLOVVXFKDVROLYHRLODQGRLO\ILVK,I\RXJLYH\RXUJUDQGFKLOGUHQDGDLO\
PXOWLYLWDPLQWKLVHQVXUHVWKDWWKH\DUHJHWWLQJDGHTXDWHQXWULHQWVWRSURWHFWDQGHQKDQFHWKHLU
LPPXQHV\VWHP6WD\DOHUWIRUVXVSHFWIRRGVDQGUHPRYHDSDUWLFXODUIRRGIURPWKHFKLOG¶VGLHW
IRUDPRQWKRUPRUH:KHQLQWURGXFLQJLWDJDLQEHRQWKHORRNRXWIRUUHDFWLRQV
,I\RXVXVSHFWDIRRGDOOHUJ\VHHWKHGLHWLFLDQDW\RXU&RPPXQLW\+HDOWK&HQWUH
2QWKHUHYHUVHRIWKLVFDUG\RXFDQUHDGDERXWLQWURGXFLQJQHZIRRGVWREDELHV
($7,1*&KLOGUHQQHHG,521LQWKHLUGLHWV
Quantities of food
$FFRUGLQJWRDUHFHQWVWXG\FKLOGUHQZLWKSURORQJHGERWWOHIHHGLQJDUHDW
providing 5 mg IRON
ULVNIRULURQGHILFLHQF\5HVHDUFKHUVOHDUQHGWKDWWKHORQJHUFKLOGUHQZHUH
• 180 grams beef
ERWWOHIHGWKHKLJKHUWKHSUHYDOHQFHRILURQGHILFLHQF\7RGGOHUVZKR
• 1000 grams fish
DUHERWWOHIHGFRQVXPHODUJHYROXPHVRIQRQLURQIRUWLILHGPLON
• 500 grams chicken
7KLVUHVXOWVLQDGLVSODFHPHQWRILURQULFKIRRGVIURPWKHGLHW´
• 300 grams salmon / tuna
3URORQJHG%RWWOH)HHGLQJ$VVRFLDWHGZLWK,URQ'HILFLHQF\%URWDQHN-+DOWHUPDQ-
• 50 grams liver / kidney
:HLW]PDQ01HDG.$XLQJHU3$FDGHP\+HDOWK0HHWLQJ6DQ'LHJR&DOLI
• 180 grams sardines
• 500 grams broccoli
5HFRPPHQGHGGDLO\,QWDNHRI,URQ
• 1 cup spinach / silverbeet (cooked)
,QIDQWVPRQWKVEUHDVWIHG PJ
• 5 eggs
,QIDQWVPRQWKVERWWOHIHG PJ
• 2 cups Cornflakes
&KLOGUHQ\HDUV PJ
• 1 1/2 cup baked beans
$GROHVFHQWV\HDUV
PJ
• 4 Weetbix
$GXOWVIHPDOH PJ
• 7 slices wholemeal bread
3RVWPHQRSDXVDOIHPDOH
PJ
• 16 slices white bread
$GXOWPDOHPJ
• 100 grams dried apricots (20 halves)
KWWSZZZSHUWKGLHWFOLQLFFRPDXDUWLFOHDVS"*URXS,' • 125 grams almonds (80 almonds)
• 10 tablespoons peanut butter 6HHUHYHUVHDERXW /$&726(,172/(5$1&(
• 1 tablespoon Milo
($7,1*,QWURGXFLQJQHZIRRGVWREDELHV
7KH$XVWUDODVLDQ6RFLHW\RI&OLQLFDO,PPXQRORJ\DQG$OOHUJ\UHFRPPHQGWKDWIURPPRQWKV
ZKHQ\RXUFKLOGLVUHDG\FRQVLGHULQWURGXFLQJDQHZIRRGHYHU\GD\VDFFRUGLQJWRZKDWWKHIDPLO\XVXDOO\
HDWVUHJDUGOHVVRIZKHWKHUWKHIRRGLVWKRXJKWWREHKLJKO\DOOHUJHQLF*LYHRQHQHZIRRGDWDWLPHVRWKDW
UHDFWLRQVFDQEHPRUHFOHDUO\LGHQWLILHG,IDIRRGLVWROHUDWHGFRQWLQXHWRJLYHWKLVDVDSDUWRIDYDULHGGLHW
6SHFLILFIRRGFKRLFHVZLOOGHSHQGRQZKDWWKHIDPLO\HDWV
6WDUWZLWKVPRRWKSXUHHGIRRGVOLNHSODLQFHUHDOVHJULFHRDWVDQGVHPROLQDWKHQDGGRWKHUIRRGVVXFK
DVVPRRWKFRRNHGYHJHWDEOHVDQGVPRRWKFRRNHGIUXLWVSXUHHGPHDWV
0RYHRQWRPDVKHGIRRGVDQGILQJHUIRRGVVXFKDVPHDWVDQGILVKDQGDZLGHUYDULHW\RIYHJHWDEOHV
)UHVKIUXLWVDQGZLGHUYDULHW\RIFHUHDOVDQGOHJXPHV<RJKXUWHJJFXVWDUGDQGQXWSDVWHV
0RYHRQWRDFKRSSHGWH[WXUH'ULQNVFDQEHRIIHUHGIURPDFXSIURPDGHYHORSPHQWDOSHUVSHFWLYHWKLVLV
XVXDOO\DURXQGPRQWKV&RQWLQXHWRLQFUHDVHYDULHW\DVDERYHHJEUHDGFUDFNHUVSDVWDZKHDWEDVHG
EUHDNIDVWFHUHDOVFRZ
VPLONRQFHUHDOFKHHVHHJJILVKRWKHUVHDIRRGQXWSURGXFWVDQGIRRGVFRQWDLQLQJ
QXWV
7KLVLVMXVWDJXLGHDQGLVQRWLQWHQGHGWRLQGLFDWHSUHFLVHO\ZKHQVSHFLILFIRRGVVKRXOGEHRIIHUHG<RXPD\DOVR
UHIHUWRORFDOKHDOWKGHSDUWPHQWLQIDQWIHHGLQJDGYLFHRUJXLGHOLQHV7DNHFDUHWRSUHYHQWFKRNLQJRQIRRG*UDWH
FRRNRUPDVKDOOKDUGIUXLWVRUYHJHWDEOHVDQGGRQRWJLYH\RXULQIDQWIRRGVWKDWKDYHVPDOOKDUGSLHFHVVXFKDV
UDZDSSOHFDUURWRUZKROHQXWV
KWWSZZZDOOHUJ\RUJDXFRQWHQWYLHZ
(DWLQJ/DFWRVH,QWROHUDQFH
,I\RXUROGHUFKLOGVHHPVWRJHWORRVHSRRVDQGWXPP\SDLQVDIWHUGULQNLQJPLON\RXZLOOQHHGWR
VHHDGRFWRUWREHVXUHRIWKHUHDVRQDQGWRJHWLQIRUPDWLRQDERXWZD\VWRJLYHWKHPWKHIRRGV
WKH\QHHGIRUKHDOWK\JURZWKDQGGHYHORSPHQW
,I\RXU\RXQJERWWOHIHGEDE\LVXQVHWWOHGZLWKORWVRIZDWHU\RUIURWK\SRRV\RXQHHGWRFKHFN
ZLWK\RXUGRFWRUDVWKHUHFRXOGEHPDQ\UHDVRQVIRUWKLV
,I\RXUGRFWRUGRHVVD\WKDW\RXUEDE\SUREDEO\KDV
ODFWRVHLQWROHUDQFH
\RXQHHGWRNQRZWKDW
WKLVZLOOQRWKDUP\RXUEDE\DVORQJDVVKHRUKHLVRWKHUZLVHZHOODQGJURZLQJ
QRUPDOO\,WPDNHVEDELHVXQFRPIRUWDEOHEXWWKH\VWLOOJHWDOOWKHQXWULWLRQWKH\QHHG
/DFWRVHLQWROHUDQFHGRHVQRWFDXVHYRPLWLQJRUHF]HPD
6R\IRUPXODVKDYHDOOWKHQXWULWLRQDEDE\QHHGVIRUJRRGKHDOWKDQGJURZWKEXWWKH\GRQRW
SUHYHQWDOOHUJ\,IDEDE\DWULVNRIDOOHUJLHVEDVHGRQIDPLO\KLVWRU\LWLVEHWWHUWRXVHDQ
+$K\SRDOOHUJHQLFFRZV
PLONIRUPXOD
7KLVLQIRUPDWLRQVRXUFHGIURP&KLOGDQG<RXWK+HDOWK6RXWK$XVWUDOLDDJUHDWVLWHIRUKHDOWKLQIR
KWWSZZZF\KVDJRYDX+HDOWK7RSLFV+HDOWK7RSLF'HWDLOVDVS["S QS LG ($7,1*)RRGVWRDYRLGIRUEDELHV
+RQH\
6KRXOGEHDYRLGHGIRUEDELHVXQGHURQH\HDUROGVLQFHLWFRQWDLQVVSRUHVRIWKHEDFWHULXP
&ORVWULGLXPERWXOLQXPZKLFKFDQFDXVHIRRGSRLVRQLQJLQLQIDQWV)RRGVIRUEDELHVVKRXOGEH
RIIHUHGLQWKHLUQDWXUDOXQVZHHWHQHGVWDWHWRKHOSSUHYHQWWKHSRVVLELOLW\RIWRRWKGHFD\
6DOW
%DE\¶VLPPDWXUHNLGQH\VDUHXQDEOHWRFRSHZLWKODUJHDPRXQWVRIVDOWVRVDOWVKRXOGEH
NHSWWRWKHDEVROXWHPLQLPXP$YRLGDGGLQJDQ\VDOWWREDE\IRRGV
1XWV
:KROHQXWVVKRXOGEHDYRLGHGIRUFKLOGUHQOHVVWKDQILYH\HDUVRIDJHDVWKH\DUHDFRPPRQ
FDXVHRIFKRNLQJ,IWKHUHLVDIDPLO\KLVWRU\RIQXWDOOHUJLHVWDNHFDUHZKHQLQWURGXFLQJ
WKHPLQWR\RXUFKLOG¶VGLHWDQGVWD\DOHUWIRUDQ\UHDFWLRQV$IWHUPRQWKVWU\KRPHPDGH
QXWSDVWHVFDVKHZDOPRQGHWFZKLFKFDQEHJURXQGLQDFRIIHHJULQGHUNHSWH[FOXVLYHO\
IRUQXWVDQGVSUHDGRQWREDE\¶VWRDVW
($7,1*7XFNHUZLWKRXWWDQWUXPV
•
•
'RQ¶WEX\LQWRDIRRGZDU'HVSLWH\RXUIHDUVLW¶VKLJKO\XQOLNHO\\RXUFKLOGZLOOVWDUYH
KLPVHOI7U\WRUHOD[DQGUHDOLVHFKLOGUHQZLOOHDWZKHQWKH\¶UHKXQJU\
$YRLGWRRPXFKVQDFNLQJ&KLOGUHQZLOOHDWZHOOZKHQGLQQHURUOXQFKLVWKHRQO\RSWLRQDQG
WKH\¶YHEHFRPHKXQJU\HQRXJKWRDFWXDOO\DFFHSWZKDW¶VRQRIIHU
•
$GGVRPHIXQWRPHDOWLPHVE\DOORZLQJ\RXUFKLOGWRSLFNRXWDVSHFLDOSODFHPDWERZOSODWH
DQGFXSQH[WWLPH\RXJRVKRSSLQJ+HZLOOQDWXUDOO\ZDQWWRXVHWKHP±DIWHUDOOWKH\¶UH
PRUHIXQZKHQWKHUH¶VVRPHWKLQJWRILOOWKHPXSZLWK
•
,QWURGXFHDGLQQHUWLPHUVXFKDVDVPDOODODUPRUDEHOODQGKDYH\RXUFKLOGWHOO\RX
ZKHQKHKHDUVLW
($7,1*)RRGVWRDYRLGIRUEDELHV
6KHOOILVK
6KHOOILVKDUHDQRWKHUFRPPRQDOOHUJ\IRRGWKDWLVEHVWNHSWRXWRILQIDQW¶VGLHWVXQWLOWKH\DUH
DWOHDVWPRQWKV:KHQLQWURGXFLQJLQWR\RXUEDE\¶VGLHWVWD\WXQHGIRUDQ\DOOHUJHQLF
UHDFWLRQVHVSHFLDOO\LIWKHUHLVDIDPLO\KLVWRU\1HYHUJLYHUDZVKHOOILVKWREDELHVRUFKLOGUHQ
DVWKH\DUHDFRPPRQFDXVHRIIRRGSRLVRQLQJ
&RUGLDOVDQGIL]]\GULQNV
$YRLGJLYLQJ\RXUEDE\VXJDU\GULQNVDVWKH\QRWRQO\SURPRWHWRRWKGHFD\EXWDOVR
FRQGLWLRQ\RXUEDE\¶VWDVWHWRVZHHWIRRGVDQGGULQNV8VHIUHVKMXLFHVZKHQ\RXIHHOOLNH
JLYLQJEDE\DFKDQJHEXWGLOXWHLWKHDYLO\ZLWKILOWHUHGZDWHU6XJDU\GULQNVDOVRFRQWDLQ
DUWLILFLDODGGLWLYHVZKLFKDUHEHVWDYRLGHG
'DLU\SURGXFWVPLON\RJXUWFKHHVH
$QRWKHUYHU\FRPPRQDOOHUJHQLFIRRGVRXUFHWKDWUHTXLUHFDUHIXOPRQLWRULQJZKHQLQWURGXFLQJ
LQWRWKHGLHW,QJHQHUDOGDLU\DQGZKROHHJJVFDQEHJLYHQWRLQIDQWVRIPRQWKVRUROGHU
($7,1*7XFNHUZLWKRXWWDQWUXPV
•
/HWWKHPKHOS$VN\RXUFKLOGUHQWRKHOS\RXVHUYHWKHGLQQHUDQGVHWWKHWDEOH
,WDOZD\VIHHOVJRRGWREHDSDUWRIWKLQJV
•
%HFUHDWLYH0DVK\RXUFKLOG¶VYHJJLHVDQGDUUDQJHWKHPLQWRWKHILUVWOHWWHURIKLVQDPH
&XWWRDVWLQWRVTXDUHVWULDQJOHVRUVWDUV&RRNLHFXWWHUVDUHLGHDOIRUWKLV
•
7KHZLVKLQJJDPH<RXUFKLOGJHWVWRPDNHDZLVKIRUHYHU\ELWHKHWDNHV
.HHSWKHZLVKHVVLPSOHDQGHDV\WRIXOILO
•
,IDOOHOVHIDLOVFDOOLQDSXSSHW<RXPLJKWIHHOVLOO\KROGLQJDVSRRQ
ZLWK\RXUKDQGLQDSXSSHWEXW\RXUFKLOGPD\EHPRUHOLNHO\WRWDNHWKH
IRRGIURPLWWKDQ\RX
($7,1*)LQJHU)RRGV
•
%\QLQHPRQWKVEDELHVZLOOOLNHO\KDYHDFTXLUHGDIHZWHHWKDQGKDYHPRYHGRQ
IURPSXUHHGIRRGVWRURXJKO\PDVKHGIRRGVDQGSLHFHV<RXFDQHQFRXUDJHWKHQH[W
VWDJHRIHDWLQJDQGLQGHSHQGHQFHE\LQWURGXFLQJIRRGVWKH\FDQIHHGWKHPVHOYHVZLWK
VXFKDV
•
7RDVWHGILQJHUVOLFHVRIEUHDGVROGLHUV±HDV\WRKROGIXOORIILEUH
•
%DQDQDSLHFHV±JUHDWVRXUFHRIHQHUJ\KLJKSRWDVVLXP
•
5LSHSHDUPDQJRPHORQVOLFHVRUFXEHV
•
6WHDPHGFDUURWVWLFNV
•
6WHDPHGEURFFROL±HDV\WRKROGKLJKLQ9LWDPLQ&DQGIRODWH
•
&XFXPEHU±DFRROIRRGMXVWULJKWIRUWHHWKLQJEDELHV
•
&KXQNVRIFKHHVH±IXOORIFDOFLXP
•
3DVWD±SDVWDVKDSHV±FKHDSHDV\WRSUHSDUHJRRGHQHUJ\IRRG
•
6WULSVRIFRRNHGFKLFNHQ
($7,1*+HDOWK\'ULQNV
0LQLPLVHWKHMXLFHDQGLQFUHDVHWKHZDWHU
•
0RVWFKLOGUHQGRQ¶WGULQNHQRXJKDQGQHHGHQFRXUDJHPHQWDQGSURPSWLQJWRNHHSWKHLU
IOXLGLQWDNHDWDGHTXDWHOHYHOVHVSHFLDOO\RQKRWVGD\VRUZKHQWKH\DUHVLFN<RXFDQGR
DVLPSOHWHVWWRFKHFNZKHWKHU\RXUFKLOGLVGULQNLQJHQRXJKE\ORRNLQJDWWKHFRORXURI
KHUXULQHDIWHUVKHKDVGRQHDZHH,IWKHXULQHLVGDUN\HOORZ7KH\DUHQRWGULQNLQJ
HQRXJKZDWHU3DOH\HOORZLQGLFDWHVWKDW\RXUFKLOGLVGULQNLQJHQRXJK
•
$VDJHQHUDOUXOHRIIHUZDWHUILUVW3OD\WKHWUDGHRIIJDPH7HOOFKLOGUHQWKH\FDQ
KDYHMXLFHRQFHWKH\KDYHKDGDJODVVRIZDWHU2IWHQRQFHWKHLUWKLUVWLVTXHQFKHGWKH\
ZLOOIRUJHWDERXWWKHMXLFHDQGLIWKLVJRHVRQORQJHQRXJK±ZDWHUEHFRPHVWKHQRUP
•
$YRLGEDE\MXLFHVDQGWUDLQFKLOGUHQ¶VWDVWHVWRZDWHU7KH\ZLOOEHOHVVOLNHO\WR
GHYHORSWKHWDVWHIRUMXLFHVODWHURQ
•
$YRLGFRUGLDOVZKHQHYHUSRVVLEOH$OWKRXJKWKH\JRIDUWKHLUVXJDUFRQWHQWLVKLJK
($7,1*)LQJHU)RRGV
•
•
$OWKRXJKVROLGVZLOOQRZEHDELJSDUWRI\RXUEDE\¶VGLHWVKHVWLOOQHHGVPLON
±PODVDURXJKJXLGH
&RQWLQXHWRRIIHU\RXUEDE\FHUHDOVDVWKH\DUHJRRGVRXUFHVRILURQ
•
(JJ\RONZHOOFRRNHGPD\EHRIIHUHGIURPPRQWKV±RQO\óWHDVSRRQDWILUVWLQ
FDVHRIDQ\DOOHUJLHVZDLWWZRGD\V%\PRQWKV\RXFDQJUDGXDOO\LQWURGXFH
ZKROHHJJ'HOD\HJJVXQWLODIWHUPRQWKVLIWKHUHLVDQDOOHUJ\WRHJJVLQWKHIDPLO\
•
$YRLGRIIHULQJKDUGIRRGVVXFKDVUDZYHJJLHVKDUGIUXLWVRUQXWV
•
$OORZ\RXUEDE\WRH[SHULPHQWZLWKVHOIIHHGLQJLQDOOIRUPVHYHQZLWKD
VSRRQ±GHVSLWHWKHPHVV
($7,1*+HDOWK\'ULQNV
•
,QYHVWLQDMXLFHUDQGWU\IUHVKMXLFHVVXFKDVDSSOHFDUURWMXLFHRUSLQHDSSOHDQGZD
WHUPHORQ0DNH\RXURZQFRPELQDWLRQV&KLOGUHQORYHWRKHOSSXVKWKHIUXLWVWKURXJKWKH
MXLFHUZLWKVXSHUYLVLRQDQGZDWFKLQJWKHPFRPHRXWLQOLTXLGIRUPDWWKHRWKHUHQG
7KHMXLFHFDQDOVREHIUR]HQLQWRKRPHPDGHLF\SRSV8QOLNHSDFNDJHGMXLFHVIUHVKMXLFHV
UHWDLQDOOWKHHQ]\PHVDQGPLQHUDOVLQWKHLUPRVWYLWDOQDWXUDOIRUP
•
$OZD\VGLOXWHIUXLWMXLFHVDWOHDVW7KLVDSSOLHVWRIUHVKVTXHH]HGMXLFHVDVZHOO
•
2IIHUZDWHUPRUHRIWHQLQKRWZHDWKHU%XV\FKLOGUHQHQJDJHGLQSOD\FDQIRUJHWWRGULQN
/HDYHERWWOHVRXWZKHUHWKH\DUHYLVLEOHDOWHUQDWLQJWKHPZLWKFROGRQHVIURPWKHIULGJH
•
2QKRWGD\VH[SHULPHQWZLWKDUDQJHRIZDWHUJDPHV%RWKER\VDQGJLUOVORYHWR
SOD\WHDSDUWLHVDQGZLOOKDSSLO\GULQNWKHFXSVRIZDWHUWKH\KDYHSRXUHG
,QFOXGHLFHFXEHVDQGVWUDZVWRVSLFHWKLQJVXSDELW
•
$QGILQDOO\«NHHSDZDWHUERWWOHE\\RXUFKLOG¶VEHGDWQLJKW
($7,1*6XSHU6PRRWKLHV
)UHVKEOHQGHGIUXLWVPRRWKLHVDUHDIXQDQGHDV\ZD\WRPDNHVXUH\RXUFKLOGHDWV
HQRXJKIUXLW6PRRWKLHVDUHDOVRDJUHDWDOWHUQDWLYHIRUFKLOGUHQZKRDUHQ¶WKXQJU\
HQRXJKIRUDPRUHVROLGEUHDNIDVWRUZKRKDYHORVWWKHLUDSSHWLWHVGXHWRLOOQHVV
*UHHQPRQVWHU
$GGULSHEDQDQDDQGòDQDYRFDGR$GGFXSVR\PLONRUFRZ¶VPLONGHSHQGLQJRQWKHDJH
DQGWROHUDQFHRI\RXUFKLOGDQGEOHQG<RXFDQDOVRDGGVRPH\RJKXUWIRUFDOFLXPLI\RXUFKLOG
KDVQRGDLU\DOOHUJLHVRUVLONHQWRIXLIVKHGRHV%OHQGDQGVHUYHLPPHGLDWHO\
0DQJRDQGEDQDQD³VOXVK\´
&KRSDQGIUHH]HDIHZEDQDQDVDJUHDWZD\WR
VDOYDJHDQ\RYHUULSHEDQDQDV6OLFHDIUHVK
PDQJRDQGDGGWRDEOHQGHUDORQJZLWK
DIHZIUR]HQEDQDQDFKXQNV:KL]]DQGVHUYH
LPPHGLDWHO\ZLWKDORQJVSRRQ
%HUU\VPRRWKLH
&RPELQHFXSDSSOHMXLFHULSHEDQDQDV
FXSEOXHEHUULHVDQGFXSUDVSEHUULHVWRDEOHQGHU6HUYHLPPHGLDWHO\ZLWKDVWUDZ
/81&+%2;)22'6WKHJRRGWKHEDGDQGWKHXJO\
%HVWFKRLFHV
•
•
•
•
•
•
)RRGVEHVWOHIWRXW
9HJHWDEOHV
)UHVKIUXLW
'DLU\IRRG±FKHHVHRU\RJKXUW
3URWHLQIRRG±VOLFHRIOHDQPHDW
KDUGERLOHGHJJRUEHDQV
6WDUFK\IRRGV±EUHDGULFHRUSDVWD
:DWHU
•
•
•
•
•
•
0XHVOLDQGFKRFRODWHEDUV
3RWDWRFULVSVDQGRYHQEDNHGVDYRXU\ELVFXLWV
6ZHHWGULQNV
'RQXWVDQGFDNHV
/ROOLHVKRQH\DQGMDPV
)DWW\PHDWVVXFKDVVDODPLDQG6WUDVERXUJ
7KLVLQIRUPDWLRQFRPHVIURPDQH[FHOOHQWZHEVLWHSURYLGHGE\WKH9LFWRULDQ*RYHUQPHQW
KWWSZZZEHWWHUKHDOWKYLFJRYDXKDYDUWLFOHVQVISDJHV+HDOWK\BOXQFKBER[HVBIRUBFKLOGUHQ"2
$ERXWWRRWKGHFD\«)URPWKH$XVWUDOLDQ'HQWDO$VVRFLDWLRQ
7\SLFDOO\IRRGVWKDWFDQFRQWULEXWHWRGHQWDOGHFD\DUHWKRVHKLJKLQVXJDUVXFKDVFRQFHQWUDWHGIUXLWVQDFNEDUV
VZHHWVDQGOROOLHVPXHVOLEDUVDQGVXJDU\VRIWGULQNVDQGMXLFHV7KLVLVEHFDXVHWKHVXJDUIHHGVWKHGHVWUXFWLYH
EDFWHULDLQFKLOGUHQ¶VPRXWKVZKLFKWKHQSXWVDFLGRQ\RXUFKLOG¶VWHHWK5HILQHGIRRGVVXFKDVVDYRXU\VWDUFK\
FUDFNHUVDQGFKLSVFDQDOVRKDYHKLJKFDUERK\GUDWHVXJDUFRQWHQWVRLWLVLPSRUWDQWWRFKHFNWKHIRRGLQIRUPDWLRQ
SDQHORQSDFNDJHGIRRGVWRDVVLVWZLWKGHWHUPLQLQJIRRGVZLWKKLJKFDUERK\GUDWHRUVXJDUMany beverages that are
high in sugars are also acidic – that is, they can have an erosive effect on your child’s teeth. Soft drinks, sports
drinks and energy drinks, along with fruit juices and cordials, often have high-acid levels, and can play a major role in
the development of tooth erosion. /XQFKER[LGHD
VDUHOLVWHGRQWKHEDFNRIWKLVFDUG
7LSVIURPEXV\*UDQGPRWKHUV
*ZHQ'XWWRQVD\VWKDWVKHDOZD\VPDNHVDOLWWOHPRUHZKHQVKHFRRNVVRWKDWVKH
FDQIUHH]HVPDOOVHUYHVIRUKHUJUDQGVRQV3HWHUDQG6LPRQ
%HFDXVHVKHLVEXV\VKHOLNHVWRFRRNGRXEOHTXDQWLWLHVRIPDQ\GLVKHVDQGIUHH]H
KDOIIRUDQRWKHUQLJKW6KHDOVRSUHSDUHVFXVWDUGDQGIUXLWDQGRWKHUKHDOWKGHVHUWV
DQGWKHQSXWVWKHPLQWRVLQJOHVHUYHIUHH]HUVDIHFRQWDLQHUV+HUER\VWDNHUHDOO\
LQWHUHVWLQJDQGKHDOWK\OXQFKHVWRVFKRROWKDQNVWR*ZHQ
VJRRGSODQQLQJDKHDG
7KHUHLVDZRQGHUIXOZHEVLWHZKHUH\RXFDQVHOHFWIURPKXQGUHGVRIQXWULWLRXV
HDV\WRSUHSDUHDQGWDVW\UHFLSHV<RXFDQVHOHFWPHDOW\SHVFKRRVHVSHFLDOGLHWDU\
UHTXLUHPHQWVDQGXVHLQWHUDFWLYHVKRSSLQJOLVWVWRFUHDWHDOLVWRILQJUHGLHQWV\RX
QHHGIURPDQ\RIWKHLUKHDOWK\UHFLSHV7KHVLWHLVFDOOHGWKH%HWWHUKHDOWK&KDQQHO
DQGLWLVPDQDJHGE\9LFWRULDQ+HDOWK'HSDUWPHQW
,WKDVDVSHFLDOVHFWLRQGHGLFDWHGWRNLGVPHDOV
KWWSZZZEHWWHUKHDOWKYLFJRYDX%+&9EKFVLWHQVISDJHVEKFBUHFLSHV"2SHQ'RFXPHQW
($7,1*/XQFKER[LGHDV
•
*UDWHGFKHHVHDQGFDUURWZLWKDOLWWOHPD\RQQDLVHLQDODYDVKEUHDGUROOXS
•
3HHOHGKDUGERLOHGHJJZLWKDVPDOOEUHDGUROOFKHUU\WRPDWRHVDQGVQRZSHDV
•
&KLFNHQRUKDPWRPDWRDQGOHWWXFHLQDZKROHPHDOSRFNHWEUHDG
•
/RYHO\OHIWRYHUV5RDVWFKLFNHQIULWWDWDTXLFKHKRPHPDGHSL]]DVOLFHV
•
)UXLWRUVDYRXU\PXIILQVVOLFHVRIKRPHPDGHFDNHVVHHUHFLSHV
•
3LNHOHWVZLWKIUXLWVSUHDG5DLVLQEUHDG
•
5LFHFDNHVZLWKFUHDPFKHHVHDQGYHJHPLWH
•
5LFHFUDFNHUVRUFRUQFKLSVZLWKDVPDOOFRQWDLQHURIGLSKXPXVWVDWVLNLJXDFDPROH
•
=LSORFNEDJVILOOHGZLWKFDUURWVWLFNVFDSVLFXPFXFXPEHUVOLFHVFKHUU\WRPDWRHVDQGROLYHV
•
•
:KROHZKHDWFUDFNHUVZLWKFKHHVHZHGJHVZLWKVPDOOFRQWDLQHURIFKXQNVRISLQHDSSOH
PHORQJUDSHV
&KHHV\SXIISDVWU\VOLFHVVHHUHFLSH
•
<RJKXUWVDQGIURPDJHIUDLV±DQGVHOHFWLRQRIIUHVKIUXLW
($7,1*)UXLW.HEDEV
&KLOGUHQORYHWRKHOSPDNHWKHVHKHDOWK\DQG
DWWUDFWLYHVQDFNV
(YHU\RQHZLOOQDWXUDOO\KDYHZDVKHGWKHLUKDQGV
&KRSXSDZLGHYDULHW\RIIUXLWLQVHDVRQDQGOD\LW
RXWUHDG\IRUWKHOLWWOHRQHVWRWKUHDGRQWREDPERR
VNHZHUVZLWKWKHVKDUSHQGVVQLSSHGRII
<RXPLJKWWU\
URFNPHORQFXWLQWRFXEHV
SLQHDSSOHFXWLQWRFXEHV
EODFNJUDSHV
SXQQHWVWUDZEHUULHVZDVKHGDQGKXOOHG
EDQDQDVFXWLQWRWKLFNVOLFHVZLWKOHPRQMXLFH
7KUHDGDOWHUQDWLQJIUXLWRQWRNHEDEVWLFNV
<RXFDQSURYLGHORZIDWQDWXUDO\RJKXUWIRUGLSSLQJ
DGGSDVVLRQIUXLWWRWKH\RJKXUWIRUVZHHWHQHU
2QWKHEDFNRIWKLVFDUG
GHOLFLRXVVDODGUHFLSHV
($7,1*4XLFNIL[9HJJLHGHOLJKWV
4XLFNIL[9HJJLHGHOLJKWV±QRWDOHQWLOLQVLJKW«
7RPDWRDQGPXVKURRPRPHOHWWHZLWK
FUXVW\VRXUGRXJKEUHDG
3DVWDZLWKSHVWRVDXFHROLYHVDQGJUDWHG
SDUPHVDQ7RPDNHSHVWRSODFHKDQGIXORIEDVLO
OHDYHVLQEOHQGHUIROORZHGE\KDQGIXOZDOQXWVROLYHRLO
VHDVDOWFRYHJDUOLFVSULJSDUVOH\
9HJJLHVWLUIU\±VOLFHDQDVVRUWPHQWRIYHJJLHV
ZKDWHYHU\RXKDYHKDQG\DQGOLJKWO\IU\LQ
VHVDPHRLO$GGWRIXRUWLQRIFDQQHOLQLEHDQV
WRDGGSURWHLQ6HUYHRQEDVPDWLULFHPLQXWHV
%HDQVRQWRDVWZLWKJUDWHGFKHHVH
1RRGOHVZLWKSHDVVOLFHGPXVKURRPDQGVR\VDXFH
)UHVKEUHDGVDQGUROOVILOOHGZLWKHJJPD\RQQDLVHKXPXVDYRFDGRVDODGV
9HJJLHEXUJHUWKURZQLQDEXQZLWKWRPDWRVDXFH
($7,1*'HOLFLRXV6DODG5HFLSHV
$SSOH6DODGFKRSSHGDSSOHLQOHPRQMXLFHVOLFHGFHOHU\FKRSSHGSLWWHGGDWHVORZIDW\RJKXUW
%HDQ6DODGEHDQPL[OLJKWO\FRRNHGIUHVKJUHHQEHDQVRUSHDVVSULQNOHGZLWKWRDVWHG
VHVDPHVHHGVDQGORZIDWVDODGGUHVVLQJ
%HDQ7RPDWR6DODGEODQFKHGJUHHQEHDQVFKHUU\RUGLFHGWRPDWRHVVKDOORWVVOLYHUHG
DOPRQGVQRQIDW\RJKXUW
&RUQ6DODGFDQQHGFRUQJUDWHGFDUURWDQGRUDQJHMXLFH
*UHHQ3HD6DODGEODQFKHGSHDVVOLFHGPXVKURRPVFKRSSHGRQLRQDQGOHPRQMXLFH
/HQWLO6DODGFRRNHGOHQWLOVVKUHGGHGFDUURWFKRSSHGFDSVLFXPDQGVOLFHG
0DULQDWHG9HJHWDEOH6DODGOLJKWO\VWHDPHGRUPLFURZDYHGSLHFHVRIFDXOLIORZHUFDUURWEURFFROL
HJJSODQWPL[HGZLWKUDZPXVKURRPVFDSVLFXPDQGRQLRQRUVKDOORWV0DULQDWHRYHUQLJKW
&DUURW=XFFKLQL6DODGJUDWHGFDUURWJUDWHG]XFFKLQLVXOWDQDVIUHVKJUDSHVRUDQJHMXLFH
)URPWKH7RRW\)UXLW\9HJLH3URJUDP1RUWK&RDVW$UHD+HDOWK6HUYLFH
($7,1*4XLFNIL[9HJJLHGHOLJKWV
4XLFNIL[9HJJLHGHOLJKWV
•
+HDUW\VDODG±OLJKWO\EDNHFXEHVRISXPSNLQDQGVZHHWSRWDWRPLQVVSULQNOHG
ZLWKROLYHRLODQGVHDVDOW$GGWR\RXUXVXDOVDODGOHWWXFHFXFXPEHUWRPDWRHVDORQJ
ZLWKIHWDDQG*UHHNROLYHV6HUYHZLWKJDUOLFEUHDG
•
7RDVWHGVDQGZLFKHVRIDOOYDULHWLHV±WU\DGGLQJYHJJLHEDFRQDQGWRPDWR
•
6RXSV±SXPSNLQYHJHWDEOHWRPDWRFDUURWDQGFRULDQGHU«WKHVXSHUPDUNHWYDULHWLHV
JHWPRUHH[RWLFDOOWKHWLPH
•
*RRGROGVFUDPEOHGHJJVVHUYHGZLWKZHGJHVRIWRPDWRDQGFXFXPEHUDQGFUXVW\
EUHDG
•
9HJJLHKRWGRJVLQVRXUGRXJKUROOV±UHDG\LQPLQXWHV
•
&KLOOLEHDQV±UHGNLGQH\EHDQVWLQWRPDWRHVVOLFHGFDUURWFDSVLFXP]XFFKLQLDQGRQ
LRQVLQDVDXFHSDQZLWKFXSZDWHU&RRNVZLWKLQPLQXWHV6HUYHZLWKJUDWHG
FKHHVHRQEUHDGRUULFH
($7,1*.LGVORYHWRKHOSPDNH0LQL3L]]D
0LQL3L]]DV
•
•
•
ZKROHJUDLQZKHDWFUDFNHUV
SL]]DVDXFH
JUDWHGPR]]DUHOODFKHHVH
$)7(5+$1':$6+,1*«
3ODFHFUDFNHUVRQDEDNLQJVKHHW
6SUHDGHDFKFUDFNHUZLWKSL]]DVDXFHDQG
VSULQNOHZLWKJUDWHGPR]]DUHOODFKHHVH
%DNHDWIRUDERXWPLQXWHVRUXQWLO
FKHHVHPHOWV
<RXUJUDQGFKLOGUHQZLOOHQMR\KHOSLQJ
<RXFDQDGGIXQQ\IDFHVFDSVLFXPVOLFHVIRUPRXWKVROLYHSLHFHV
IRUH\HVJUHHQEHDQQRVHV«HWFHWHUDMXVWJRIRULW
($7,1*6SXG%XGGLHVKDYHIXQZLWKZKROHEDNHGSRWDWRHV
%RLORUPLFURZDYHZKROHVPDOORUPHGLXPSRWDWRHVFKDWVRUSRQWLDFDQG
VHUYHZDUPPDNHVXUHWKH\DUHQRWKRWLQWKHMDFNHW&XWDVPDOOFURVVRQ
WKHWRSRIWKHSRWDWRDQGSUHVVWRIRUPDQRSHQLQJ
7KHFKLOGUHQFDQKHOSWRILOOZLWKDYDULHW\RIILOOLQJV
7KHUHLVQRHQGWRWKHYDULDWLRQRIILOOLQJVIRUWKLVUHFLSH,W¶VDOVRDJUHDWZD\WRXVH
OHIWRYHUV7U\FRWWDJHFKHHVHDQGFKRSSHGKDPRUGLQDU\FKHHVHVDYRU\PLQFH
VDOPRQWXQDFROHVODZFUHDPHGFRUQFDQQHGFRUQDQGJUDWHGORZIDWFKHHVHFRWWDJHFKHHVH
DQGFUXVKHGXQVZHHWHQHGSLQHDSSOH
9DULDWLRQ
&XWODUJHFRRNHGSRWDWRHVLQKDOI
ORRVHQWKHIOHVKZLWKDIRUNVSULQNOHZLWK
JUDWHGFKHHVHDQGUHWXUQWRRYHQIRU
PLQXWHV
0DNHWKHPLQWR6SXG%XGGLHVE\PDNLQJWKHPLQWRSHRSOHXVLQJFKRSSHGYHJJLHVRI
YDULRXVFRORXUV&HOHU\DUPVDQGOHJVRUFDUURWVWLFNVVSURXWVIRUKDLUSHDVH\HV\RXJHWWKH
LGHD«NLGVORYHWRHDWVSXGEXGGLHVHVSHFLDOO\ZKHQWKH\SLFNWKHVWXIILQJV
($7,1*.LGVORYHWRKHOSPDNH=XFFKLQL6OLFH
=XFFKLQL6OLFH6HUYHV
HJJV
FXSVHOIUDLVLQJIORXU
PHGLXPJUDWHG]XFFKLQL
OHDQEDFRQUDVKHUVRSWLRQDO
FXSJUDWHGORZIDWFKHGGDU
ODUJHRQLRQILQHO\FKRSSHG
FXSROLYHRLO
3HSSHUWRWDVWH
%HDWHJJVDQGVORZO\DGGRWKHULQJUHGLHQWVLQRUGHU
3RXULQWRDJUHDVHGFP[FPEDNLQJGLVKDQGEDNHLQDPRGHUDWHRYHQIRUPLQXWHV
6HUYHKRWRUFROG
&KLOGUHQFDQKHOSFUDFNDQGEHDWWKHHJJVVLIWIORXUJUDWH]XFFKLQLDQGFKHHVHDQGPL[
($7,1*+HDOWK\6QDFNV
•
0LFURZDYHGSDSSDGXPVZLWKDSODLQ\RJKXUWDQGFXFXPEHUGLS
•
7RDVWHGPXIILQZLWKIUXLWVSUHDG
•
+RPHPDGHSRSFRUQZLWKDVSULQNOLQJRIVHDVDOW
•
7RDVWHGMDIIOHVZLWKEDNHGEHDQFKHHVHILOOLQJKDPDQGWRPDWR
•
/RYLQJO\KDQGFUDIWHGIUXLWNHEDEV
•
3ODLQ\RJKXUWZLWKIUR]HQEOXHEHUULHVDQGIUXLWLQVHDVRQ
•
)UXLWVPRRWKLHVLQDOOFRPELQDWLRQV
•
3DVWDWZLUOVZLWKJUDWHGSDUPHVDQIHWDROLYHVDQGFKHUU\WRPDWRHV
•
1RRGOHVZLWKOLWHVR\VDXFHVOLFHGPDULQDWHGWRIXRUFKLFNHQDQGVQRZSHDV
•
5LFHFUDFNHUVZLWKFRWWDJHFKHHVHDQGDYRFDGR
•
6FUDPEOHGHJJVZLWKEDE\VSLQDFKDQGFXFXPEHURQWKHVLGH
($7,1*0DNLQJ1RULUROOVZLWKFKLOGUHQ
&KLOGUHQORYHPDNLQJDQGHDWLQJWKHVHKHDOWK\VQDFNV
DOONLQGVRIILOOLQJVFDQEHXVHGDQGWKH\PDNHJUHDWPHDORUDOXQFK
IRUSUHVFKRRORUDSLFQLF1RULLVDYDLODEOHLQVXSHUPDUNHWV
3UHSDUHVXVKLULFHVHHUHYHUVHRIWKLVFDUGIRU+RZ7R
3XWDVKHHWRI1RULGULHGVHDZHHGRQWRSRIDEDPERR
PDW6SUHDGVXVKLULFHRQWRSRIWKH1RULVKHHW
6SUHDG6XVKL5LFHRQ1RUL
3XWWKH)LOOLQJRQ6XVKL5LFH
/HWWKHFKLOGUHQFKRRVHWKHLURZQ
IURPWKLQJVOLNHFXFXPEHUDYRFDGR
WXQDVSURXWV
&DUHIXOQRWWROD\WKHILOOLQJRQWRR
WKLFNOD\ORQJVWULSVDFURVVWKH1RUL
5ROOXSWKH%DPERR0DW
6KDSHWKH6XVKL5ROO
&XWWKH6XVKL5ROO
($7,1*&DUURWDQG0XHVOL0LQL0XIILQV
7KHVHPLQLPXIILQVDUHWKHSHUIHFWVL]HIRUVFKRROOXQFKER[HVDQGDIWHUQRRQVQDFNV
0DNHV
JPVHOIUDLVLQJIORXU
JPPL[HGIUXLWPXHVOL
JPFDUURWVJUDWHGPHGLXPFDUURWV
JPEURZQVXJDU
òWVSFLQQDPRQ
5HFLSHGHULYHGIURP
HJJV
POROLYHRLOLQDOLWWOHSODVWLFFRQWDLQHU
UHDG\IRU\RXUWRGGOHUWRWLSLQWRPL[
3UHKHDWRYHQWRƒ&DQGKHOS\RXUWRGGOHUWROLJKWO\RLODKROHPLQLPXIILQWLQXVLQJDSDVWU\EUXVK
,QDODUJHERZOFRPELQHIORXUPXHVOLJUDWHGFDUURWVXJDUDQGFLQQDPRQ
/HWWKHOLWWOHRQHVVWLUWRFRPELQH
+HOSE\KROGLQJWKHERZOVWHDG\VRWKH\FDQOLJKWO\ZKLVNHJJVDQGDGGRLO3RXULQWRFDUURWPL[WXUHDQG
PL[XQWLOMXVWFRPELQHGGRQ
WRYHUPL[
6SRRQHYHQO\LQWRWKHPXIILQWLQDQGEDNHLQWKHSUHKHDWHGRYHQIRUPLQXWHVRUXQWLODVNHZHU
LQVHUWHGFRPHVRXWFOHDQ
$OORZWRUHVWLQWKHWLQIRUPLQXWHVEHIRUHWXUQLQJRXWDQGFRROLQJRQDZLUHUDFN
($7,1*+RZWRPDNHVXVKLULFHIRU1RUL5ROOV
,QJUHGLHQWV
• FXSV-DSDQHVHULFH-DSDQHVHULFHLVVKRUWJUDLQULFHDQGJHWVVWLFN\ZKHQLWLVFRRNHG
/RQJJUDLQULFHLVQ
WSURSHUIRUVXVKLEHFDXVHLWLVGULHUDQGGRHVQ
WVWLFNWRJHWKHU
+RZHYHU\RXFDQXVHDQ\ULFHLI\RXFDQ¶WJHW6KRUWJUDLQULFH
• FXSVZDWHU
• FXSULFHYLQHJDU±\RXFDQEX\WKLVLQWKH$VLDQIRRGVHFWLRQDWVXSHUPDUNHWV
• 7EVSVXJDU
3UHSDUDWLRQ$IWHUZDVKLQJWKHULFHFRRNLW
3UHSDUHVXVKLYLQHJDUVXVKL]XE\PL[LQJULFHYLQHJDUDQGVXJDULQDVDXFHSDQ
3XWWKHSDQRQORZKHDWDQGKHDWXQWLOWKHVXJDUGLVVROYHV&RROWKHYLQHJDUPL[WXUH
6SUHDGWKHKRWVWHDPHGULFHLQWRDODUJHSODWHRUDODUJHERZO3OHDVHXVHDQRQPHWDOOLFERZOWR
SUHYHQWDQ\LQWHUDFWLRQZLWKULFHYLQHJDU
6SULQNOHWKHYLQHJDUPL[WXUHRYHUWKHULFHDQGIROGLQWRWKHULFHE\XVLQJVSDWXODTXLFNO\
%HFDUHIXOQRWWRVPDVKWKHULFH
7RFRRODQGUHPRYHWKHPRLVWXUHRIWKHULFHZHOOXVHDIDQDV\RXPL[VXVKLULFH
&KLOGUHQFDQGRWKHIDQQLQJZKLOH\RXGRWKHIROGLQJ
7KLVZLOOJLYHVXVKLULFHDVKLQ\ORRN,W
VEHVWWRXVHVXVKLULFHULJKWDZD\
($7,1*.LGVORYHPDNLQJIXQQ\IDFH2PHOHW¶V
.LGVORYHWRPDNHIDFHVLQWKLQJVKDYHD
VHOHFWLRQRIKHDOWK\YHJJLHVUHDG\IRUWKHPWRGHFRUDWHWKHLURPHOHWV
8VH\RXUXVXDORPHOHWUHFLSHRQO\WKLVWLPH\RXZRQ¶WEHIROGLQJLWLQKDOI
7KHFKLOGUHQFDQKHOSWRFUDFNWKHHJJVIRUWKHRPHOHWSRXULQWKHPLONIURP
DOLWWOHMXJZKLVNWKHHJJVKHOSJUDWHWKHFKHHVHWLSLQJUDWHGFKHHVHDQG
VWLULWDOOWRJHWKHU
<RXFDQPDNHPLQLRPHOHWVLQZHOOJUHDVHGSRDFKHGHJJULQJV
USING THE
LOO
Think ahead and remember to take the potty with you on trips away.
Encourage your little boy to “target practice”, so that he learns
how to aim his urine stream into the toilet (and not over the seat or
floor). Celebrate this stage of your child’s development with lots
of praise (even when progress is slow), and a trip to purchase special
‘big girl or boy’ underwear.
Some typical signs are: the nappy is staying dry for longer periods;
your grandchild starts to become aware of a wet or soiled nappy and
may begin to tell you; your grandchild starts to take an interest in other
people using the toilet, often following them in and watching.
Achieving bowel and bladder control is a natural part of a child’s
development, and there are some simple steps you can take to
encourage your grandchild to master this aspect of their independence.
Most children start leaning towards self-toileting around between 18
months – 2 years. Rather than using age as an indicator however, it is
easier to look out for signs that they may be ready. Prepare for
this by choosing a potty or a special seat that goes over the toilet,
and a stepping stool.
Helping toddlers learn about using the toilet. When the time is
right, what a delight, dry all night!
7RLOHW7UDLQLQJ:KHQZLOOP\JUDQGFKLOGEHUHDG\"
7KLVLQIRUPDWLRQLVIURPWKH6RXWK$XVWUDOLDQ*RYHUQPHQWV&KLOGDQG<RXWK+HDOWK:HEVLWH
7KLVLVDIDQWDVWLFVLWHIRUJUDQGSDUHQWV
KWWSZZZF\KFRP+HDOWK7RSLFV+HDOWK7RSLF'HWDLOVDVS["S QS LG /HDUQLQJWRXVHWKHWRLOHWLVDELJVWHSIRUWRGGOHUVDQGLWFDQEHGLIILFXOWIRUVRPH
6RPHFKLOGUHQMXVWVHHPWRWUDLQWKHPVHOYHVZKHQWKH\DUHUHDG\EXWPDQ\QHHGVRPHKHOSIURP
WKHLUJUDQGSDUHQWV*UDQGSDUHQWVVHHWRLOHWWUDLQLQJDVDQLPSRUWDQWPLOHVWRQHIRUWKHLUFKLOGUHQDQG
RIWHQEHFRPHYHU\FRQFHUQHGLILWGRHVQ
WDOOJRVPRRWKO\
:KHQZLOOP\FKLOGEHUHDG\"
•
0RVWFKLOGUHQDUHQRWUHDG\WROHDUQWRFRQWUROWKHLUSRRDQGZHHERZHOVDQGEODGGHUXQWLOWKH\
DUHDWOHDVWWZR\HDUVROGDQGVRPHQRWXQWLOWKH\DUHWKUHH6RPHER\VDUHODWHUWKDQJLUOV
&RQWURORYHUSRRPD\KDSSHQEHIRUHRUDIWHUFRQWURORYHUZHH
7REHUHDG\WRXVHWKHWRLOHWRUSRWW\DFKLOGQHHGVWREHDEOHWR
•
NQRZZKHQKHKDVWRGRZHHRUSRREHIRUHKHGRHVLW
•
KROGRQIRUDVKRUWWLPHVRWKDWKHFDQJHWWRWKHSRWW\RUWKHWRLOHW
7RLOHW7UDLQLQJ+RZFDQ\RXKHOS" $YRLGDWWHPSWLQJWRLOHWWUDLQLQJLIWKHUHDUHDQ\VLJQLILFDQWRUVWUHVVIXOHYHQWVWDNLQJSODFHVXFK
QHZVLEOLQJVDUULYLQJRUPRYLQJKRXVH
<RXFDQKHOSDLGWKHSURFHVVE\EHLQJSDWLHQWWROHUDWLQJµDFFLGHQWV¶DQGVLWWLQJ\RXUFKLOGRQ
WKHSRWW\RUWRLOHWDWFUXFLDOWLPHVVXFKDV±PLQXWHVDIWHUDPHDO
.HHSVLWWLQJSHULRGVVKRUWVRWKH\DUHQRWSHUFHLYHGDVSXQLVKPHQWRUKDUGZRUN
,WDOVRKHOSVLIFKLOGUHQDUH
•
FDSDEOHRIVLWWLQJVWLOOIRUVKRUWSHULRGVRIWLPH
•
DEOHWRSXOOGRZQWUDLQLQJSDQWVDQGRWKHULWHPVRIFORWKLQJ
•
DEOHWRIROORZVLPSOHLQVWUXFWLRQVVRWKDWWKH\XQGHUVWDQGZKDWWKH\VKRXOGGROLNHZKHQ
WKH\VKRXOGIOXVKWKDWWKH\VKRXOGZDVKWKHLUKDQGVDIWHUHWF
&KHFNLQZLWK\RXUJUDQGFKLOGUHJXODUO\DVNLQJWKHPLIWKH\µQHHGWRJR¶
7KLVLQIRUPDWLRQLVIURPWKH6RXWK$XVWUDOLDQ*RYHUQPHQWV&KLOGDQG<RXWK+HDOWK:HEVLWH
7KLVLVDIDQWDVWLFVLWHIRUJUDQGSDUHQWV
KWWSZZZF\KFRP+HDOWK7RSLFV+HDOWK7RSLF'HWDLOVDVS["S QS LG 7RLOHW7UDLQLQJ
7KHILUVWVLJQWKDWWKLVZLOOEHKDSSHQLQJVRRQPD\EHWKDWKHWHOOV\RXZKHQKHLVDFWXDOO\GRLQJ
ZHHRUSRRRUZKHQKHKDVMXVWGRQHLW:KHQKHJHWVSUDLVHIRUWHOOLQJ\RXKHZLOOVRRQEHUHDG\
WRPRYHRQWRWKHQH[WVWHSRIWHOOLQJ\RXEHIRUHKHGRHVLW
2WKHUVLJQVRIUHDGLQHVVDUH
• SXOOLQJDWZHWDQGGLUW\QDSSLHV
• WDNLQJDQLQWHUHVWLQRWKHUVXVLQJWKHWRLOHW
• WHOOLQJ\RXWKDWKLVQDSS\LVZHW
• WHOOLQJ\RXWKDWKHGRHVQ¶WZDQWWRZHDUQDSSLHVDQ\PRUH
%HSUHSDUHGWRZDLWXQWLO\RXUFKLOGLVUHDG\
0RVWWRLOHWWUDLQLQJSUREOHPVFDQEHDYRLGHGLI\RXGRQ¶WVWDUWWRRHDUO\'RQ¶WWU\DQGVHWDGDWHE\
ZKLFK\RXZDQW\RXUFKLOGWREHWRLOHWWUDLQHG
,WZRUNVEHVWLIWKHUHLVQRSUHVVXUHDQG\RXWRLOHWWUDLQ\RXUFKLOGDWWKHSDFHKHFDQPDQDJH
7RLOHW7UDLQLQJ
,I\RXUFKLOGWHOOV\RXEHIRUHKHGRHVDZHHRUSRRWKDQNKLPIRUWHOOLQJ\RXDQGWDNHKLPWRWKHWRLOHW
RUSRWW\VWUDLJKWDZD\
7RGGOHUVFDQQRWµKROGRQ¶IRUPRUHWKDQDIHZVHFRQGV
,IKHGRHVQ¶WJHWWKHUHLQWLPHDWILUVWJLYHKLPSUDLVHIRUZKDWHYHUKHKDVPDQDJHGHJSXOOLQJGRZQ
KLVSDQWVWU\LQJWRJHWWRWKHWRLOHWRUVLWWLQJRQWKHWRLOHW
0DNHVXUHKHVHHVWKDWWKHSUDLVHLVIRUOHDUQLQJDQHZVNLOOQRWVRPHWKLQJKHKDVWRGRWRSOHDVH\RX
)RUH[DPSOH\RXPLJKWVD\³<RXGLGWKDWUHDOO\ZHOO´UDWKHUWKDQ³<RXDUHDJRRGER\IRU1DQQD´
&KLOGUHQVKRXOGQRWEHPDGHWRVLWRQDSRWW\RUWRLOHWIRUORQJSHULRGVRIWLPH
7KLVIHHOVOLNHSXQLVKPHQWWRWKHFKLOGDQGGRHVQRWKHOSWRLOHWWUDLQLQJ
6RPHWRGGOHUVDUHDIUDLGRIEHLQJIOXVKHGGRZQWKHWRLOHW)RUWKHVHFKLOGUHQDSRWW\PD\EHEHWWHU
,I\RXXVHWKHWRLOHW\RXPD\QHHGWRIOXVKLWZKHQWKH\DUHRXWRIWKHURRP/DWHUWKH\PD\EH
KDSS\WRWU\IOXVKLQJWKHWRLOHWDIWHU\RXKDYHXVHGLWDQGWKHQEHUHDG\WRKDYHDJRDIWHUWKH\KDYH
XVHGLW
This section contains advice about packing wisely,
amusing and managing children on the move.
Many grandparents tell us that their friends are well
past the age where they are comfortable with small
children in their homes, and visiting can strain
friendships when small children touch precious
things and threaten the peace and calm of
quiet households.
In this section we have tried to offer you tips on making it easier
to shop and visit friends with small children in tow.
Many of us have noticed that when we go out for the day with babies
and toddlers we need about the same amount of guff as we would
need to pack for a week.
GOING OUT
2XWDQG$ERXWZLWK.LGV&DU7UDYHO
3OHDVHVHHWKH60$576+233,1*VHFWLRQIRULQIRUPDWLRQDERXWFKLOGVDIHW\
<RXFDQEX\OLWWOHODSGHVNVZKLFKDUHSHUIHFWIRUNLGVWRGRFRORXULQJRUDFWLYLWLHV
RQZKHQ\RXDUHRQWKHJR8VHLWLQWKHFDUWKHSODQHRUHYHQDWKRPHRQWKH
FRXFK*UHDWWRWDNHRQKROLGD\V6WXUG\VXUIDFHIRUFRORXULQJGUDZLQJDQG
ZULWLQJ(ODVWLFWDEVLQHDFKFRUQHUWRKROGSDSHULQSODFH
7R\VDQGDFWLYLW\FHQWUHVWKDWKDQJRIIWKHVHDWLQIURQWRI
WKHFKLOGFDQUHDOO\KHOSDPXVHDQGVHWWOHTXLWHVPDOO
FKLOGUHQIURPWKHWLPHWKH\VWDUWXVLQJDIRUZDUGIDFLQJ
FDUVHDW7KHPLUURULQWKHRQHSLFWXUHGZLOOIDVFLQDWH
EDELHV.PDUWDQG%LJ:KDYHVRPHJUHDWVWUDSRQ
JDGJHWVIRUNLGVWRZDWFKOLNHDOLWWOHDXWRPDWHGILVKWDQN
3RUWDEOH'9'3OD\HUV7KH\PLJKWZHOOKHOSNHHS\RXUNLGVHQWHUWDLQHGRQORQJ
FDUWULSVEXWSRUWDEOH'9'SOD\HUVDQGWKHLUUHPRWHFRQWUROVDUHQ
WWR\V7KH\PD\
FRQWDLQVPDOOSDUWVWKDWFDQFRPHRIIVRDOZD\VVXSHUYLVHZKHQ\RXQJFKLOGUHQ
DUHDURXQG&+2,&(WHVWHGWKHVHDQGUHFRPPHQGHGWKHVHWZRDPRQJVWRWKHUV«
7KH/*SLFWXUHGLVPRUHOLPLWHGLQWHUPVRIUHJLRQFRGLQJEXWLI\RX
UHRQO\JRLQJ
WRXVHLWWRNHHSWKHNLGVHQWHUWDLQHGLQWKHFDUZLWK'9'VFRGHGIRU$XVWUDOLDLW
V
WKHRQO\UHFRPPHQGHGRQHWKDWFRPHVZLWKDFDUU\EDJ\RXFDQDWWDFKWRWKH
EDFNRIDFDUVHDW,WDOVRZHLJKVOHVVDQGLVDURXQGFKHDSHU(YHQFKHDSHU
DJDLQLVWKH6+,1&26'3$DIXOOPXOWLUHJLRQSOD\HUZLWKWKHEHVWSLFWXUH
TXDOLW\VFRUHRIDOOWKHSOD\HUVWHVWHG
2XWDQG$ERXWZLWK.LGV9LVLWLQJ
9LVLWLQJIULHQGVZLWKVPDOOFKLOGUHQFDQEHTXLWHDFKDOOHQJHEXWZLWKVRPHFDUHIXOSDFNLQJDQG
SODQQLQJLWFDQZRUNVRWKDW\RXFDQYLVLWZLWKRXWRYHUWD[LQJ\RXUOHVVFKLOGWROHUDQWIULHQGV'RPDNHVXUHWKDW
\RXVDIHW\FKHFNWKHVSDFH\RXUJUDQGFKLOGUHQZLOOKDYHDFFHVVWR5HPHPEHUDOVRWKDWRWKHUSHRSOHVKDQG
EDJVFDQEHDVDIHW\KD]DUGWKH\PD\FRQWDLQPHGLFDWLRQVWKDWFRXOGSRLVRQ\RXUJUDQGFKLOG
7KH6SHFLDO%DJ7DNLQJWKLQJVWRDPXVHWKHNLGVLVDJUHDWLGHDDQGPDNHVXUHWKDW\RX
NHHSDEDJIRUWKLVSXUSRVHRUIRUZKHQ\RXKDYHWRVHHDGRFWRURUODZ\HU.HHSLQWHUHVWLQJ
WR\VDQGDFWLYLWLHVLQWKDWEDJZKLFKWKHFKLOGUHQQHYHUJHWWRWRXFKDWDQ\RWKHUWLPH
H[FHSWZKHQ\RXDUHRXWYLVLWLQJ7KDWZD\WKHQRYHOW\YDOXHRIWKHWKRVHWR\V
ZLOONHHSWKHPHQJDJHGIRUORQJHU
3RUWDEOH+LJK&KDLUV±7KHUHDUHDUDQJHRISRUWDEOHKLJKFKDLUV±WKHRQHLOOXVWUDWHGIROGV
LQWR\RXUQDSS\EDJVLWVRQDQ\QRUPDOFKDLUDQGLVDQH[FHOOHQWZD\WRFRUUDODFKLOG
ZKLOH\RXKDYHFXSSDZLWKIULHQGVZKRDOPRVWFHUWDLQO\ZRQ¶WKDYHDKLJK
FKDLULQWKHLUKRXVH
7DNLQJIRRGDQGGULQNWKH\GRHDWWKDWLVQRWPHVV\LVDYHU\JRRGSODQ±HVSHFLDOO\ILQJHU
IRRGVWKH\FDQPDQDJH±IRUWKLVLWLVJUHDWWRWDNHDORQJWKHYHU\VPDOODQGSRUWDEOHKLJK
FKDLUW\SHLOOXVWUDWHGKHUHWKHVHDUHUHJXODUO\DYDLODEOHDW7HQGHU&HQWUHVIRUDERXW±
%ULQJDORQJDSOD\PDWWRVLWWKHFKDLURQ6HHUHYHUVHRIWKLVFDUGIRU
LQIRUPDWLRQDERXWSOD\PDWVDQGRWKHUJUHDWJRLQJRXWJDGJHWV
$FWLYLWLHVWRHQWHUWDLQNLGVRQORQJWULSV
6XUSULVHEDJVIRUORQJHUWULSVZLWKFKLOGUHQ\HDUV3UHSDUHDKHDGZLWKSDSHUEDJVRILWHPVWR
EHJLYHQRXWHYHU\RUNLORPHWUHVPDUNHGRQDPDSZLWKWKHORFDWLRQLWWDNHVDOLWWOHELWRI
SUHSDUDWLRQWRGRWKLVEXWLW5($//<KHOSV\RXQJFKLOGUHQ,QHDFKEDJSXWDZUDSSHGLWHPXVXDOO\D
VPDOOWR\7KHQLQVRPHRIWKHVXUSULVHSDFNDJHV\RXFDQDGGMXLFHRUDVQDFNVWLFNHUVDQGDSLHFHRI
SDSHUSKRWREURFKXUHRUVRPHWKLQJSHUWDLQLQJWRWKHWULSWKDW\RXFDQWDONDERXW
7UDYHO7LFNHWV8VHVRPHFRORXUHGFDUGERDUGWRFXWRXWVRPHWLFNHWVIRU\RXUWULS*LYH\RXUJUDQGFKLOG
DSUHFRXQWHGEDJRIWLFNHWV(YHU\KDOIKRXURUHYHU\NP¶VWKH\FDQWXUQLQRQHWLFNHWWR\RX:KHQ
WKHLUWLFNHWVDUHJRQHWKHWULSKDVHQGHG7KLVUHDOO\KHOSV\RXQJFKLOGUHQJHWDQLGHDRIKRZPXFKWLPHLV
OHIWRQWKHMRXUQH\
'UDZLQJ%RDUGV6XFKDV0DJQDGRRGOH(WFKD6NHWFKDQGVPDOOZKLWHERDUGVZLWKGU\HUDVHPDUNHUV
3LSH&OHDQHUV3DFNDQHZEDJRIPXOWLFRORXUHGSLSHFOHDQHUVDQGOHWWKHLUFUHDWLYLW\UXQZLOG
6HZLQJ&DUGV<RXFDQEX\WKHVHRUPDNH\RXURZQE\FXWWLQJRXWVKDSHVIURPWKLQFDUGERDUGDQGXVLQJ
DKROHSXQFKHUQHDUWKHHGJHHYHU\LQFKRUVR7KHQWDNHDVKRHODFHRUDSLHFHRI\DUQZLWKVRPHWDSH
ZUDSSHGDURXQGRQHHQGDQGVHZDOOWKHZD\DURXQG\RXUVKDSHV
&RORUIRUPVSLHFHVDUHPDGHIURPWKLQSODVWLFWKDWVWLFNVE\VWDWLFFOLQJ7KHVHDUHDOVRIXQWRVWLFNRQWKH
ZLQGRZVRIWKHFDU$YDLODEOHRQOLQHDQGDOVRLQPRVWWR\VWRUHV
2XWDQG$ERXWZLWK.LGV9LVLWLQJ
KWWSZZZJHWSULFHFRPDX3OD\PDWVIRUEDELHV
7KLVIXQIROGDEOHSOD\PDWLVSDFNHGZLWKOHDUQLQJDFWLYLWLHVDQGFDQDOVREHXVHGDVDWR\ER[
RUIROGHGFDUU\EDJ,WLQFOXGHVDPLUURUZLWKDFWLYLW\SHWDOVSODVWLFUDWWOHPLQL3DWULFNWR\IXUU\
EODQNHWDQGQHWWHGVXUIDFHVWRVWLPXODWHEDE\¶VVHQVHV
3OD\PDWVIRUWRGGOHUV
<RXFDQPDNHZRQGHUIXOSOD\PDWVZLWKORWVRISRFNHWVZKHUH\RXFDQNHHS
WKLQJVOLNHIDUPDQLPDOVOLWWOHFDUVWLQ\SHRSOHGROOVWUDLQVDQGFDUGVRU
GLQRVDXUV7KHSRFNHWVKDYH]LSVRU9HOFURDQGIRUP³KLOOV´RQDODQGVFDSH
WKDW\RXPDNHE\JOXLQJRUVWLWFKLQJFRORXUHGIDEULFRQWR\RXUSOD\PDW
,WZRUNVZHOOWRPDNH\RXUPDWJUHHQDQGSXWJUH\URDGVLQEOXHSRQGVDQGRWKHUHOHPHQWVRIWKH
FRXQWU\VLGH7KHFKLOGUHQFDQJHWWKLQJVRXWRIWKHSRFNHWVDQGSOD\ZLWKWKHPRQWKHPDW
2QFHDJDLQDVZLWKWKHVSHFLDORXWLQJVWR\EDJLWZRUNVYHU\ZHOOLIWKLVPDWLV21/<XVHGZKHQ\RXDUH
RXWDQGDERXW,I\RXNHHSDUDQJHRIWKLQJVWRLQWHUFKDQJHLQWKHSRFNHWV\RXUJUDQGFKLOGZLOOUHDOO\ORRN
IRUZDUGWRILQGLQJRXWZKDWLVKLGGHQWKHUH0RVW2S6KRSVVHOOVPDOOEDJVZLWKORWVRIOLWWOHILJXUHVDQG
DQLPDOVLQWKHPIRUDURXQGDGROODU6DIHW\FKHFNWKHPIRUFKRNLQJKD]DUGVDQGWKHQSXWWKHFRQWHQWVLQWR
WKHVXUSULVHSRFNHWV6HHWKH6PDUW6KRSSLQJVHFWLRQIRUOLVWLQJVRI2S6KRSV
This section will provide some information that relates to the experience
of being a grandparent raising children and how things might have
changed since the first time around.
All people are different and all will have different strengths and
weaknesses that will affect how they raise children.
In this section we are not going to give a guide to the “best way”
to raise children. There are many parenting courses and books
available for you to study, and there are also helpful child development
experts available for free at your local Community Health Centre.
For some grandparents raising grandchildren there are many challenges
including those that happen when children have experienced abuse and
trauma in their early lives. Also many grandcarers are not so young
anymore and they feel overwhelmingly tired sometimes.
How then can they manage children’s behaviours?
What kind of parenting skills might work best for them?
When asked how would you like to be parented most people would have a similar wish list...
It might include things like parents and grandparents should be ….
patient, consistent, loving, positive, good at building up strong trust and
self esteem, constantly enabling children to feel that they are lovable
and safe, fun, playful, reliable, good listeners and more.
HAPPY KIDS
+($/7+0HGLFLQH7DNLQJ0DGH(DV\
•
.HHSWKHPHGLFLQHFKLOOHGDVWKLVKHOSVWRPDVNXQSOHDVDQWIODYRXUV
•
2IIHUDUHZDUG*LYHFKLOGUHQDKHDOWK\WUHDWWRIROORZWKHPHGLFLQH,IDOOHOVHIDLOV
NHHSDERWWOHRIFKRFRODWHRUVWUDZEHUU\V\UXSRQKDQG
•
1RUPDOLVHWKHWDNLQJRIPHGLFLQHE\WHDFKLQJ\RXUFKLOGWKDWµZHDOOGRLW¶([SODLQ
WKDWLW¶VVRPHWLPHVQHFHVVDU\LQRUGHUWREHKHDOWK\
•
,QYROYH\RXUFKLOGZKHQHYHU\RXQHHGWRWDNHPHGLFLQH/HWKHUVHH\RXRQWKH
UHFHLYLQJHQGDQGJHWWRJLYH\RXDVSRRQIXO
•
5HOLQTXLVKVRPHFRQWURO*LYLQJ\RXUFKLOGDFKRLFHDERXWZKHUHWRWDNHWKH
PHGLFLQHRIWHQKHOSVWKHPIHHOPRUHLQYROYHGLQWKHSURFHVV
•
0DNHDJDPHRILW1DPHWKHPHGLFLQHDVLOO\EXWFDWFK\QDPHLQOLQHZLWKWKHLU
UHLJQLQJLQWHUHVWVXFKDV¶6SLGHUPDQVDXFH¶RUµWKHSULQFHVV¶VSRWLRQ¶,I\RXGRWKLV
KRZHYHUEHH[WUDYLJLODQWWKDWWKHPHGLFLQHLVNHSWLQDVDIHSODFHVRWKDW\RXUFKLOG
GRHVQ¶WWU\WRUHDFKLWKHUVHOIDQRWKHUWLPH0RUHRQUHYHUVHRIWKLVFDUG
+($/7+,0081,6$7,210DQDJLQJ$GYHUVH5HDFWLRQV
•
,PPXQLVDWLRQLVFRQVLGHUHGDVDIHDQGHIIHFWLYHZD\RIVDIHJXDUGLQJFKLOGUHQ
DJDLQVWFHUWDLQGLVHDVHVWKHJXLGLQJSULQFLSOHEHLQJWKDWWKHULVNVRIFRQWUDFWLQJWKH
GLVHDVHVRXWZHLJKDQ\SRVVLEOHULVNVZKLFKPD\UHVXOWIURPYDFFLQDWLRQ9DFFLQDWLRQ
WULJJHUVDQLPPXQHUHVSRQVHWKDWSURYLGHVSURWHFWLRQDJDLQVWVSHFLILFDOO\WDUJHWHG
FRQGLWLRQVVXFKDVPHDVOHVPXPSVFKLFNHQSR[HWF3URWHFWLRQJHQHUDOO\WDNHVHIIHFW
ZLWKLQZHHNVRILPPXQLVDWLRQEXWVRPHYDFFLQHVQHHGWREHDGPLQLVWHUHGLQPRUH
WKDQRQHGRVHLQRUGHUWRSURYLGHPD[LPXPLPPXQLW\
•
$OOYDFFLQHVXVHGLQ$XVWUDOLDDUHWHVWHGDQGSDVVHGDVVDIHE\WKH7KHUDSHXWLF
*RRGV$GPLQLVWUDWLRQ+RZHYHUMXVWDVZLWKDQ\RWKHUDQ\PHGLFDWLRQVLGHHIIHFWV
FDQDULVH,WLVDGYLVDEOHWRNQRZZKDWNLQGVRIUHDFWLRQVDUHSRVVLEOHDQGKRZWR
PDQDJHWKHPLIWKH\GRRFFXU
•
6HYHUHUHDFWLRQVDUHH[WUHPHO\UDUHEXWFDQLQFOXGHKLJKWHPSHUDWXUHVRIPRUH
WKDQƒ&IDLQWLQJILWVDQGDQDSK\OD[LV7KHVHDGYHUVHUHDFWLRQVFDQKDSSHQZLWKDQ\
YDFFLQDWLRQEXWDUHKLJKO\XQFRPPRQ$OOVLGHHIIHFWVVKRXOGEHPHDVXUHGDJDLQVWWKH
SRWHQWLDOFRQVHTXHQFHVRIWKHGLVHDVHWKDW\RXUFKLOGLVEHLQJLPPXQLVHGDJDLQVW
+($/7+ 0HGLFLQHWDNLQJPDGHHDV\
8VHDPHGLFLQHV\ULQJHDQGDLPIRUWKHEDFNRIWKHFKHHN
+DUGWRVSLWRXWDQGHDV\WRVOLGHGRZQ
•
$OZD\VPDNHVXUHPHGLFLQHVDUHLQFKLOGUHVLVWDQW
FRQWDLQHUVLQORFNHGFXSERDUGVRULQKLJKSODFHVZKHUH
FKLOGUHQFDQ¶WUHDFKWKHPHYHQLIWKH\FOLPE
•
+($/7+,0081,6$7,210DQDJLQJDGYHUVHUHDFWLRQV
•
,I\RXUFKLOGDSSHDUVWREHKDYLQJDVHYHUHUHDFWLRQDIWHUEHLQJLPPXQLVHGRU
LI\RXDUHFRQFHUQHGLQDQ\ZD\VHHNPHGLFDODVVLVWDQFHLPPHGLDWHO\
,PPXQLVDWLRQUHDFWLRQVDUHWUHDWHGUHFRUGHGDQGUHSRUWHGHQVXULQJWKDWYDFFLQHVDUH
VDIHO\PRQLWRUHG
•
0RVWUHDFWLRQVWHQGWRKDSSHQVRRQDIWHULPPXQLVDWLRQDQGODVWIRUDURXQGWZR
GD\V,PPXQLVDWLRQVLGHHIIHFWVDUHXVXDOO\PLOGDQGFDQEHPDQDJHGDWKRPH$W
WLPHVV\PSWRPVFDQUHVHPEOHVRPHHIIHFWVRIWKHGLVHDVHVWKDWYDFFLQDWLRQSURWHFWV
DJDLQVWEXWDUHOHVVVHYHUHDQGQRWXVXDOO\GDQJHURXV
•
7KHPRVWFRPPRQPLOGUHDFWLRQVDUHDORZJUDGHIHYHUWHPSRUDU\ORVVRIDSSHWLWH
KHDGDFKHLUULWDELOLW\DQGORFDOLVHGVZHOOLQJDQGVRUHQHVVDWWKHVLWHRIWKHLQMHFWLRQ
•
+RPHWUHDWPHQWRSWLRQVERRVW\RXUFKLOG¶VIOXLGLQWDNHE\RIIHULQJH[WUDGULQNV
SODFHDFRRODQGVRRWKLQJZDVKFORWKRYHUWKHLQMHFWLRQVLWHDQGJLYH\RXUFKLOGH[WUD
DIIHFWLRQDQGUHDVVXUDQFH7KHURXWLQHXVHRISDUDFHWDPROLVQRORQJHUUHFRPPHQGHG
DIWHULPPXQLVDWLRQEXWPD\EHJLYHQLIWKHIHYHUH[FHHGVƒ&RULQWKHFDVHRISDLQ
RUVLJQLILFDQWGLVFRPIRUW
+($/7+,0081,6$7,210DQDJLQJ$GYHUVH5HDFWLRQV
$URXQGLQFKLOGUHQH[SHULHQFHPLOGUHDFWLRQVWRWKH005YDFFLQDWLRQZKLFK
WHQGWRRFFXU±GD\VDIWHULPPXQLVDWLRQDQGJHQHUDOO\ODVWQRPRUHWKDQ
KRXUV7KHPRVWFRPPRQUHDFWLRQLVDJHQHUDOIHHOLQJRIEHLQJXQZHOO
DFFRPSDQLHGE\IHYHUXSWRƒ&2WKHUSRWHQWLDOUHDFWLRQVWRWKH005YDFFLQHDUH
V\PSWRPVRIDFROGSXII\H\HVUXQQ\QRVHDQGFRXJKDQGVZROOHQVDOLYDU\JODQGV
GXHWRWKHPXPSVFRPSRQHQWRIWKHYDFFLQH
6RPHWLPHVDPLOGUDVKPD\GHYHORS±GD\VODWHUGXHWRWKHPHDVOHVFRPSRQHQWRI
WKHYDFFLQHEXWWKLVGRHVQRWPDNH\RXUFKLOGLQIHFWLRXVWRRWKHUV5HVHDUFKKDVFRQFOXGHG
WKDWWKH005YDFFLQHLVXQUHODWHGWRHLWKHUDXWLVPRULQIODPPDWRU\ERZHOGLVHDVH,%'
LQFOXGLQJ&URKQ¶VGLVHDVH
7KHFKLFNHQSR[YDFFLQHLVXQVXLWDEOHIRUSHRSOHZLWKVHYHUHLPPXQHGHILFLHQF\GLV
HDVHVSUHJQDQWZRPHQRUSHRSOHRQKLJKGRVHVRILPPXQHVXSSUHVVLQJPHGLFDWLRQV
LQUHFLSLHQWVKDYHDORFDOUHDFWLRQRUIHYHUZKLOHLQH[SHULHQFHDPLOG
YDULFHOODOLNHUDVK7KHUDVKFDQGHYHORSXSWRGD\VDIWHULPPXQLVDWLRQ,IWKLVKDS
SHQVWR\RXUFKLOGDYRLGFRQWDFWZLWKSHRSOHZLWKORZLPPXQLW\XQWLOWKHUDVKFOHDUV
+($/7+
6XQ²6HQVH
•
8VHDEURDGVSHFWUXP63)ZDWHUSURRIVXQFUHDP89UHVLVWDQWUDVK
VXLWVVXQJODVVHVDQGKDWV&ORWKLQJLVWKHLGHDOEDUULHUIURPWKHVXQ<RXFDQ
EX\YHU\FKHDSVHFRQGKDQGµUDVKLHV¶DVWKHVXQVXLWVDUHFDOOHGE\NLGV2S
6KRSV7KDWZD\\RXFDQNHHSDFRXSOHRIVSDUHVHWVLQWKHFDUDORQJZLWKVSDUH
KDWV
•
(PSKDVLVHWKHLPSRUWDQFHRIVXQVDIHVNLQ0DNHVXUH\RXUFKLOGNQRZV
WKDWODWKHULQJXSLVQRWDFKRLFH1RVXQVFUHHQ QREHDFKSRROVZLPPLQJ
•
5HQDPHWKHµVXQEORFN¶VRWKDWLWEHFRPHVµPDJLFORWLRQ¶RUDµPDJLFVKLHOG¶
•
*LYHWKHVXQVFUHHQVXSHUSRZHUV3UHWHQGWKDWWKHORWLRQFDQPDNH\RXU
FKLOGEHQHILWLQVRPHZD\E\EHFRPLQJLQYLVLEOHDPD]LQJO\VWURQJRUDQ
LQFUHGLEOHVLQJHU
•
0DNHLWDQDUWSURMHFW:KHQVTXLUWLQJWKHORWLRQRQDOORZ\RXUFKLOGDQG\RX
WRGUDZSDWWHUQVDQGVKDSHVRQWKHLUVNLQEHIRUHWKHFUHDPJHWVDOOUXEEHGLQ
•
7LPHLWULJKW$YRLGH[SRVXUHWRWKHVXQEHWZHHQWKHKRXUVRIDPDQGSP
ZKHQHYHUSRVVLEOH
+($/7+,0081,6$7,210DQDJLQJ$GYHUVH5HDFWLRQV
•
7KH$XVWUDOLDQ&KLOGKRRG,PPXQLVDWLRQ5HJLVWHUNHHSVDUHFRUGRI\RXU
FKLOG¶V$XVWUDOLDQYDFFLQDWLRQKLVWRU\IURP±\HDUV&KLOGUHQDUHDXWRPDWL
FDOO\UHJLVWHUHGZKHQWKH\DUHHQUROOHGLQ0HGLFDUHRUZKHQWKHLULPPXQLVDWLRQ
GHWDLOVDUHSURFHVVHG
•
3URRIRILPPXQLVDWLRQLVRIWHQUHTXLUHGLQRUGHUWRUHFHLYHFHUWDLQEHQHILWV
DQGZKHQFKLOGUHQDUHHQUROOHGLQGD\FDUHSUHVFKRRORUVFKRRO9DFFLQDWLRQLV
QRWFRPSXOVRU\LQ$XVWUDOLDDQGH[HPSWLRQFHUWLILFDWHVDUHSHUPLVVLEOHXQGHU
FHUWDLQFRQGLWLRQV
)RUPRUHLQIRUPDWLRQFRQWDFW
•
,PPXQLVDWLRQKRWOLQH
•
0RUHGHWDLOVDERXWFKLOGKRRGLPPXQLVDWLRQFDQEHREWDLQHGIURP
ZZZLPPXQLVHKHDOWKJRYDX
•
<RXFDQUHTXHVWLPPXQLVDWLRQKLVWRU\VWDWHPHQWVE\FDOOLQJ\RXUORFDO0HGLFDUH
RIILFHRUZZZPHGLFDUHDXVWUDOLDJRYDX
+($/7+
•
•
6XQ²6HQVH
'RQ¶WEHIRROHGE\DQRYHUFDVWGD\6XQLVDEOHWRSHQHWUDWHFORXGVVR\RXFDQVWLOOJHWEXUQW
3ODQDKHDG$SSO\VXQVFUHHQEHIRUHOHDYLQJKRPHWKXVSUHYHQWLQJDJULWW\
VDQG\DSSOLFDWLRQDVZHOODVJLYLQJWKHVXQVFUHHQDFKDQFHWREHDEVRUEHGDQG
WKHUHIRUHZRUNPRUHHIIHFWLYHO\
•
8VHGLVWUDFWLRQV$SSO\WKHVXQVFUHHQLQIURQWRIWKH79RUD'9'VRWKDWFKLO
GUHQEDUHO\QRWLFHWKHSDLQIXOSURFHVV
•
(PSRZHU\RXUFKLOGE\DOORZLQJKHUWREH\RXUOLWWOHKHOSHUDQGDSSO\KHURZQ
VXQFUHDP
•
,IDOOHOVHIDLOVODWKHU\RXUFKLOGXSZKLOHVKHLVLQVRPHNLQGRIUHVWUDLQWKHU
KLJKFKDLUVWUROOHURUFDUVHDW
•
,QWKHHYHQWRIVXQEXUQJRRGROGIDVKLRQHGFDODPLQHORWLRQZLOOVRRWKHWKH
VNLQ$YRLGDQ\IXUWKHUH[SRVXUHWRWKHVXQXQWLOWKHVNLQKDVKHDOHG
+($/7+
7HHWKLQJ
%DE\¶VWHHWKVWDUWJURZLQJDURXQGVL[ZHHNVDIWHUFRQFHSWLRQDQGDOOWZHQW\
SULPDU\WHHWKDUHLQSODFHLQWKHMDZERQHE\WKHWLPHRIELUWK$SSUR[LPDWHO\
LQEDELHVDUHERUQZLWKQDWDOWHHWKEXWPDQ\RIWKHVHDUHORVWLQWKHILUVWIHZ
ZHHNVRIOLIH
$VDJHQHUDOUXOHEDELHVZLOOKDYHWKHLUILUVWWHHWKFRPHWKURXJKDWDURXQGVL[
PRQWKVLQOLQHZLWKWKHQHHGWRPRYHRQWRVROLGIRRGV)LUVWWHHWKFDQVRPHWLPHV
KDSSHQHDUOLHUWKRXJKDQGPD\HYHQDSSHDUDVODWHDVPRQWKVRIDJHLQVRPH
EDELHV
7KHERWWRPWZRWHHWKFHQWUDOLQFLVRUVXVXDOO\DSSHDUILUVWIROORZHGE\WKH
XSSHUWZRDQGRIWHQFRPHWKURXJKLQSDLUV7KHPRODUVEHJLQWRVKRZDWDURXQG
PRQWKVRIDJHDQGPD\FDXVHDELWRIGLVFRPIRUW%DELHVZLOOVSHQGPRVWRIWKHLU
VHFRQG\HDUWHHWKLQJ
$OOWZHQW\RIWKHSULPDU\WHHWKVKRXOGEHWKURXJKE\WKHWLPH\RXUFKLOGLV
WKUHH7KHILUVWSHUPDQHQWWHHWKVWDUWWRFRPHLQDWDURXQGVL[\HDUVRIDJH
+($/7+
7HHWKLQJ
0DQ\EDELHVVKRZQRDGYHUVHVLJQVRIEHLQJXQZHOOZKHQWHHWKLQJ7HHWKLQJLVDQDWXUDO
SDUWRIDEDE\¶VOLIHDQGUHVHDUFKVXJJHVWVWKDWWHHWKLQJLVQRWUHVSRQVLEOHIRUPDQ\DVSHFWVRILOO
KHDOWKZKLFKZHUHWUDGLWLRQDOO\WKRXJKWWRUHODWHWRWHHWKLQJ
,WLVQRZJHQHUDOO\DFFHSWHGWKDWWHHWKLQJGRHVQRWFDXVHGLDUUKRHDYRPLWLQJRUHYHQIHYHUV
$OWKRXJKVRPHRIWKHVHV\PSWRPVDSSHDUDURXQGWKHWLPHRIWHHWKLQJWKH\DUHEHOLHYHGWREH
SDUWRIWKHRYHUDOOGHYHORSPHQWDOSURFHVV,I\RXDUHFRQFHUQHGDERXWDQ\RI\RXUEDE\¶V
V\PSWRPVKRZHYHUVHH\RXUHDUO\FKLOGKRRGQXUVHRU\RXUGRFWRU
6LJQVWKDW\RXUEDE\KDVWHHWKFRPLQJWKURXJKLQFOXGHUHGQHVVDWWKHVLWHRIWKHQHZ
WRRWKDQGVRPHWLPHVDIOXVKHGFKHHN6RPHEDELHVZKRDUHWHHWKLQJPD\GULEEOHVRPXFKWKDW
WKH\ZLOOQHHGDELEWRDYRLGJHWWLQJWKHLUFORWKHVVDWXUDWHG
2FFDVLRQDOO\EDELHVZLOOEHPRUHFOLQJ\WKDQXVXDO7KHPRVWREYLRXVVLJQLVDQLQFUHDVHLQWKH
FKHZLQJRIFHUWDLQWR\VDQGRWKHUREMHFWV6RPHEDELHVZLOOUHVSRQGZHOOWRWHHWKLQJDLGVVXFK
DVWHHWKLQJULQJVUXVNVDQGHYHQGXPPLHVZKLOHWKHLUILUVWWHHWKDUHFRPLQJWKURXJK
+($/7+
7HHWKLQJ
+($/7+
7HHWKLQJ
7KHGLDJUDPLOOXVWUDWHVWKHDSSUR[LPDWHWLPHVWKDWWKHSULPDU\WHHWKFRPHWKURXJK
LQEDELHVDQG\RXQJFKLOGUHQ
5HSURGXFHGIURP&KLOGUHQ<RXWKDQG:RPHQ¶VKHDOWKVHUYLFH
ZZZF\KFRP
+($/7+
7HHWKLQJ
•
,I\RXUEDE\LVDWWKHVWDJHRIILQJHUIRRGVVKHPD\HQMR\FRROIRRGVVXFKDV
FXFXPEHUZKLOHWHHWKLQJRUPRUHWH[WXUHGIRRGVZKLFKUHTXLUHFKHZLQJ$YRLG
OHDYLQJ\RXUEDE\XQDWWHQGHGZLWKILQJHUIRRGVGXHWRWKHULVNRIFKRNLQJ
•
6RPHWLPHVDVQHZWHHWKFRPHWKURXJKEDELHVPD\H[SHULHQFHVPDOOEOLVWHUVLQWKHLUPRXWKV
FDOOHGµHUXSWLRQF\VWV¶7KHVHEOLVWHUVDUHQRUPDODQGGRQRWXVXDOO\UHTXLUHWUHDWPHQWDOWKRXJK
\RXPD\QHHGWRVHHDGHQWLVWLIEOLVWHUVSHUVLVW
•
$VVRRQDVWKHILUVWWHHWKDSSHDULWLVLPSRUWDQWWRHVWDEOLVKDWRRWKEUXVKLQJURXWLQH
ZLWK\RXUEDE\WRJXDUGDJDLQVWWRRWKGHFD\7KHUHDUHQRZWKUHHVWDJHEDE\WRRWK
EUXVKHVDYDLODEOHZKLFKFRPHZLWKGLIIHUHQWDWWDFKPHQWVZKLFKDOORZ\RXUEDE\WRJHWJHQWO\DF
FXVWRPHGWRWKHSURFHVVRIEUXVKLQJKHUWHHWK7KHILUVWµWRRWKEUXVK¶LVLGHDOIRUWHHWKLQJDQGFDQ
EHSXUFKDVHGIURP\RXUORFDOVXSHUPDUNHWRUSKDUPDF\
•
7RRWKSDVWHLVQRWDGYLVHGXQWLOFKLOGUHQDUHEHWZHHQPRQWKVDQG\HDUV8VHORZIOXRULGH
WRRWKSDVWHWREHJLQZLWKDQGHQFRXUDJH\RXUFKLOGWRVSLWWKHSDVWHRXWDQGDYRLGVZDOORZLQJ
2UDO7KUXVK
+($/7+ 2UDOWKUXVKLVD\HDVWLQIHFWLRQZKLFKFRPPRQO\RFFXUVLQEDELHVXQGHUPRQWKV,WLV
FDXVHGE\\HDVWFDOOHG&DQGLGDDOELFDQVZKLFKLVSUHVHQWLQHYHU\ERG\¶VPRXWKVDQGVWRPDFKV
DQGRQWKHVNLQDQGJHQLWDODUHDV,IWKHLPPXQHV\VWHPEHFRPHVZHDNHQHGDQGWKHEDODQFHLV
XSVHWWKHUHLVDQRYHUJURZWKRIWKHFDQGLGD\HDVWUHVXOWLQJLQWKHFRQGLWLRQRIWKUXVK
1HZERUQVRIWHQGHYHORSRUDOWKUXVKZLWKLQWKHILUVWIHZZHHNVRIOLIHDQGEDELHVXQGHU
RQH\HDUPD\JHWLWLQFRQMXQFWLRQZLWKQDSS\UDVKDURXQGWKHLUJHQLWDODUHD
&RPPRQVLJQVDQGV\PSWRPVRIRUDOWKUXVKLQFOXGHZKLWHFUHDP\VSRWVLQWKHPRXWKDQG
DIRDP\FRDWHGWRQJXHVRPHWLPHVSDOHSLQNVSRWVDSSHDURQWKHOLSVDQGWKHUHLVDVRUHRU
EXUQLQJVHQVDWLRQLQWKHPRXWKZKLFKPD\RIWHQDIIHFW\RXULQIDQW¶VZLOOLQJQHVVWRIHHG
&RQYHQWLRQDOWUHDWPHQWVPD\LQFOXGHRUDODQWLIXQJDOPHGLFDWLRQVLQWKHIRUPRIGURSVRU
JHOZKLFKPD\EHVSUHDGDURXQGWKHLQVLGHRIWKHPRXWK$VN\RXUGRFWRURUSKDUPDFLVWIRU
DGYLFH
+($/7+
+HDGDFKHV
2QHLQWHQFKLOGUHQFRPSODLQVRIKHDGDFKHVDQGURXJKO\RIFKLOGUHQZLOOKDYHKDG
DKHDGDFKHE\WKHDJHRIVHYHQ$OWKRXJKSDLQIXOWKH\DUHUDUHO\VHULRXVDQGFDQJHQHUDOO\EH
PDQDJHGDWKRPH+HDGDFKHVPD\YDU\LQVHYHULW\IURPPLOGO\XQFRPIRUWDEOHWREHLQJTXLWH
GHELOLWDWLQJDQGPDQ\UHTXLUHSDLQPHGLFDWLRQ
7KHUHDUHDUDQJHRIFDXVHVZKLFKPD\DFFRXQWIRU\RXUFKLOG¶VKHDGDFKH2QHRIWKHPRVW
FRPPRQUHDVRQVIRUDKHDGDFKHLVGHK\GUDWLRQ,I\RXUFKLOGFRPSODLQVRIDKHDGDFKHFKHFNWKDW
WKH\DUHGULQNLQJHQRXJKHVSHFLDOO\LQVXPPHUZKHQDFWLYHFKLOGUHQ¶VIOXLGQHHGVLQFUHDVH
+HDGDFKHVDUHDOVRDUHVXOWRIFROGVDQGYLUXVHVDQGDUHVRPHWLPHVDFFRPSDQLHGE\IHYHU
7HQVLRQKHDGDFKHVDUHPRVWRIWHQDVVRFLDWHGZLWKVWUHVVDUHGXOODQGVWHDG\DQGGRQRWDOZD\V
GLVDSSHDUZKHQRXUFKLOGVOHHSV
6XQVWURNHFDQDOVREHDFDXVHDVZHOODVH\HVWUDLQUHVXOWLQJIURPSRRUYLVLRQDQGZKLFKPD\
UHTXLUHDYLVLRQVFUHHQLQJWHVW
%HDZDUHRIDQ\KHDGDFKHZKLFKGHYHORSVIURPDKHDGLQMXU\RUDQ\DFFLGHQWDONQRFNVDQG
EUXLVHV6HHNPHGLFDODWWHQWLRQLPPHGLDWHO\LI\RXUFKLOGIDOOVRQKLVKHDGDQGH[SHULHQFHVQDXVHD
RUYRPLWLQJ
2UDO7KUXVK
+($/7+ •
6LQFHRUDOWKUXVKFDQFDXVHWKHPRXWKWREHH[WUDVHQVLWLYHDYRLGKRWRUDFLGLF
IRRGVDQGNHHSDOOIOXLGVDQGIRRGVFRRODQGEODQG,I\RXUEDE\LVDEOHGULQNLQJWKURXJK
DVWUDZPD\IHHOEHWWHUDQGKXUWWKHLUPRXWKOHVV
•
,WLVDOVRDJRRGLGHDWRPLQLPLVHIRRGVRUGULQNVFRQWDLQLQJVXJDUHYHQQDWXUDOVXJDUV
OLNHIUXFWRVHDV\HDVWWKULYHVRQVXJDUPDNLQJWKHLQIHFWLRQKDUGHUWREHDW
•
1DWXUDOWUHDWPHQWVPD\LQFOXGHWKHXVHRIYLWDPLQ&WRERRVWLPPXQHIXQFWLRQRU
JUDSHIUXLWVHHGH[WUDFW±IRULWVQDWXUDODQWLIXQJDOSURSHUWLHV<RXPD\DOVRFKRRVHWR
JLYH\RXUEDE\RQHWHDVSRRQRIOLTXLGDFLGRSKLOXVZKLFKSURPRWHVWKHUHHVWDEOLVKPHQW
RIKHDOWK\EDFWHULDDQGGLJHVWLYHEDODQFHWZLFHDGD\&KHFNZLWK\RXUSKDUPDFLVWRU
QDWXURSDWKIRUVSHFLILFLQVWUXFWLRQVDQGGRVDJHV
•
,I\RXILQGWKDW\RXUEDE\¶VQDSS\UDVKGRHVQRWUHVSRQGWRWKHXVXDOFUHDPVDQG
WUHDWPHQWVRULILWEHFRPHVVHYHUHWKLVPD\LQGLFDWHWKHSUHVHQFHRIWKUXVKDQGVKRXOG
EHFKHFNHGE\DGRFWRURU\RXUHDUO\FKLOGKRRGQXUVH
•
%DELHVZLWKWKUXVKGRQRWQHHGWREHH[FOXGHGIURPFKLOGFDUHXQOHVVWKH\VHHPWRR
XQFRPIRUWDEOHRUGLVWUHVVHGZLWKWKHFRQGLWLRQ
+($/7+
+HDGDFKHV
5HFXUUHQWKHDGDFKHVPD\HYHQWXDWHIURPDQXPEHURIFDXVHVDQGDOZD\VZDUUDQWPHGLFDODGYLFH
6HH\RXUGRFWRURUHPHUJHQF\GHSWLPPHGLDWHO\LI\RXUFKLOGKDVDKHDGDFKHZKLFKODVWV
PRUHWKDQKRXUVRULVVXIIHULQJIURPEOXUUHGYLVLRQKDVDVWLIIQHFNDQGLVXQVWHDG\RQKHUIHHW
RULIKHDGDFKHVDUHVHYHUHXSRQZDNLQJDQGDUHDFFRPSDQLHGE\QDXVHDRUYRPLWLQJ
2FFDVLRQDOO\KHDGDFKHVPD\EHGXHWRPHQLQJLWLVRUDEUDLQWXPRXUEXWWKHVHFDVHVDUH
UHODWLYHO\UDUHVHHFDUGRQPHQLQJRFRFFDO
+LJKOHYHOVRIVWUHVVDQGDQ[LHW\FDQRIWHQWULJJHUKHDGDFKHVDQGPD\EH
DOOHYLDWHGE\LGHQWLI\LQJDQGDGGUHVVLQJVRXUFHVRISRWHQWLDOVWUHVV
,QDGGLWLRQVRPHIRRGVFRQWDLQLQJPRQRVRGLXPJOXWDPDWH06*FDQEULQJRQDKHDGDFKHDVZHOO
DVDUWLILFLDOIRRGFRORXULQJVDQGQLWUDWHVIRXQGLQVRPHFROGPHDWVDQGKRWGRJVDQGFDIIHLQHLQ
IL]]\GULQNVDQGFKRFRODWH
3DUDFHWDPROPD\EHXVHGLI\RXUFKLOGVHHPVLQWRRPXFKSDLQRUGLVFRPIRUWEXWDYRLGWKHXVHRI
DVSLULQDVLWFDQEHH[WUHPHO\GDQJHURXVLIWDNHQE\FKLOGUHQ
+($/7+
+HDGDFKHV
•
0LJUDLQHVDUHXQFRPPRQLQ\RXQJFKLOGUHQEXWPD\RFFXULQVRPHFKLOGUHQ
ZKRDUHJHQHWLFDOO\SUHGLVSRVHGWRWKHPDQGKDYHIDPLO\PHPEHUVZLWKDKLV
WRU\RIPLJUDLQHKHDGDFKHV
•
,I\RXUFKLOGKDVDKHDGDFKHHQVXUHWKH\DUHJHWWLQJHQRXJKVOHHSDUH
GULQNLQJHQRXJKDQGKDYHSOHQW\RIKHDOWK\IRRGDQGVQDFNVLQWKHLUGLHW+LJK
ILEUHVQDFNVVXFKDVEDQDQDRUZKROHJUDLQFUDFNHUVZLOOUDLVHEORRGVXJDUOHY
HOVLQDJUDGXDOPDQQHUDQGFDQKHOSZLWKVRPHKHDGDFKHV
•
)RUPLOGKHDGDFKHVHQFRXUDJH\RXUFKLOGWRUHVWTXLHWO\DQGNHHSQRLVHV
DURXQGWKHPWRWKHPLQLPXP6RPHFKLOGUHQILQGLWKHOSIXOWRKDYHWKHLUKHDGV
DQGWHPSOHVJHQWO\PDVVDJHG
•
3HSSHUPLQWDQGODYHQGHURLODUHQDWXUDOUHOD[DQWVDQGRIWHQKHOSWRHDVH
PLOGKHDGDFKHVDQGQHUYRXVWHQVLRQ$GGGURSVRIHLWKHUSHSSHUPLQWRUODYHQ
GHURLOWRFXSRIZDWHUVRDNDZDVKFORWKLQWKHZDWHUDQGWKHQSODFHWKHFROG
VRRWKLQJFORWKRQ\RXUFKLOG¶VIRUHKHDG
+($/7+,16(&7%,7(667,1*6 7LFN%LWHV
•
7LFNVDUHH[WHUQDOSDUDVLWHVZKLFKIHHGRQEORRGDQGDUHDPHPEHURIWKH
DUDFKQLGIDPLO\DORQJZLWKVSLGHUVVFRUSLRQVDQGPLWHV7KHSDUDO\VLVWLFNPRVW
FRPPRQO\FDXVHVSUREOHPVIRUSHRSOHDQGDQLPDOVDQGFDQEHIRXQGLQFHUWDLQDUHDV
DORQJWKHHDVWHUQVHDERDUGRI$XVWUDOLD
•
2QFHRQWKHVNLQRIDKXPDQRUDQLPDOWKHWLFNHPEHGVLWVHOILQWKHVNLQDQG
VZHOOVXSZLWKEORRG,WFDQEHPDQ\GD\VEHIRUHLWLVGHWHFWHG7KHUHDUHVHYHUDO
VWDJHVRIGHYHORSPHQWWKDWWKHWLFNJRHVWKURXJKZKLFKRIWHQOHDGVSHRSOHWRPLV
WDNHWKHPIRUGLIIHUHQWW\SHVRIWLFNV7KHLQIDQWVDUHNQRZQDVµJUDVVWLFNV¶DUH
DOPRVWLQYLVLEOHWRWKHQDNHGH\HDQGFRYHUWKHVNLQZLWKPXOWLWXGHVRIWLQ\UHGELWHV
7KHVHODUYDOWLFNVFDQEHLPSRVVLEOHWRUHPRYHZLWKWZHH]HUV2QHZD\RIGHDOLQJ
ZLWKWKHPLVWRJLYH\RXUFKLOGDPLQXWHEDWKZKLFKFRQWDLQVFXSELFDUERQDWHRI
VRGD
•
7KHMXYHQLOHVDUHFRPPRQO\NQRZQDVEXVKWLFNVZKLOHWKHIXOO\JURZQDGXOWVDUH
VKHOOEDFNVRUSDUDO\VLVWLFNV7KHDGXOWIHPDOHVVZHOOZLWKEORRGDQGFDQEHFRPHYHU\
ODUJHFDXVLQJDQ\WKLQJIURPORFDOLUULWDWLRQWRDQXPEHURIVHULRXVKHDOWKWKUHDWV
+($/7+,16(&7%,7(667,1*6 7LFN%LWHV
•
,QRUGHUWRIHHGDQGSURGXFHHJJVWKHWLFNLQMHFWVVDOLYDODFHGZLWKWR[LFFKHPLFDOV
ZKLFKVWLPXODWHVEORRGIORZ(DUO\GHWHFWLRQLVUHFRPPHQGHGWDNLQJFDUHWRQRWWRXFK
RUGLVWXUEWKHWLFNEHIRUHDWWHPSWLQJWRUHPRYHLW,WLVJHQHUDOO\DFFHSWHGWKDWLWLV
EHVWQRWWRNLOOWKHWLFNEHIRUHUHPRYDOZLWKPHWK\ODWHGVSLULWVRUWHDWUHHRLO
DVWKLVFDXVHVLWWRLQMHFWPRUHWR[LQVLQWRWKHERG\7KH'HSWRI(QWRPRORJ\DW6\GQH\
8QLYHUVLW\KRZHYHUVWDWHVWKDWWKHWLFNFDQEHVSUD\HGZLWKDQDHURVROUHSHOOHQW
FRQWDLQLQJS\UHWKULQDVWKLVKDVDQDUFRWLFHIIHFWXSRQWKHWLFNDQGGRHVQRWFDXVHWKH
WLFNWRGXPSSRLVRQ
•
:KHQUHPRYLQJDWLFNXVHILQHWZHH]HUVDQGJUDVSWKHWLFNDVFORVHWRWKHVNLQ
DVSRVVLEOHSXOOLQJJHQWO\LQDQXSZDUGVPRWLRQ$YRLGVTXHH]LQJWKHERG\DVWKLVFDQ
DOVRFDXVHWKHWLFNWRGHSRVLWWR[LQVLQWRWKHELWHDUHD
•
6RPHSHRSOHPD\KDYHDVHYHUHDOOHUJLFUHDFWLRQWRWLFNELWHVFDOOHG
DQDSK\OD[LVDQGDOWKRXJKWKLVLVUHODWLYHO\UDUHLWLVDPHGLFDO
HPHUJHQF\DQGUHTXLUHVLPPHGLDWHDVVLVWDQFHRQ
+($/7+7LFN%LWHV
7LFNELWHVGRQRWXVXDOO\FDXVHDQ\ODVWLQJPHGLFDOSUREOHPVEXWFDQ
•
RFFDVLRQDOO\SRVHVHULRXVKHDOWKFRQGLWLRQVVXFKDVSDUDO\VLVWLFNW\SKXVDQG/\PH¶V
GLVHDVHQRUHSRUWHGFDVHVLQ$XVWUDOLD7\SKXVVWDUWVZLWKDIHYHUDIWHUWKHLQLWLDOELWHDQGOHDGV
WRDVWLIIQHFNDQGMRLQWV7KHFRQGLWLRQFDQEHFRQILUPHGZLWKEORRGWHVWVDQGLVWUHDWHGHIIHF
WLYHO\ZLWKDQWLELRWLFV
3DUDO\VLVLVWKHPRVWFRPPRQFRQGLWLRQDVVRFLDWHGZLWKWLFNVZLWKV\PSWRPVPRVWOLNHO\
•
WRFDXVHSUREOHPVLQFKLOGUHQOHVVWKDQILYH\HDUVDQGWRSHWV7KHHDUO\V\PSWRPVRISDUDO\VLV
DUHDUDVKKHDGDFKHIHYHUXQVWHDGLQHVVRIPRYHPHQWZHDNQHVVRIOLPEVDQGSDUWLDOIDFLDOSD
UDO\VLV7KHVLWHRIWKHELWHZLOOXVXDOO\UHPDLQH[WUHPHO\LWFK\ZLWKORFDOLVHGVZHOOLQJZKLFKPD\
ODVWIRUXSWRWZRZHHNV
7KHUHDUHDQXPEHURIUHFRPPHQGDWLRQVZKLFKFDQKHOSPLQLPLVHWKH
•
OLNHOLKRRGRIWLFNELWHV
+($/7+
•
+HDG/LFH
)LUVWDQGIRUHPRVWKHDGOLFHDUHQRWGLUW\RUDVLJQRIQHJOLJHQFHGHVSLWHWKH
KLVWRULFDOVWLJPDDQGEDGSUHVV,WLVDIDFWRIPRGHUQOLIHWKDWPRVWFKLOGUHQZLOO
FDWFKOLFHDWOHDVWRQFHLIQRWPXOWLSOHWLPHVGXULQJWKHLUFKLOGKRRG
•
/HDUQWRVSRWWKHWHOOWDOHVLJQVLQWHQVHLWFKLQHVVRIWKHVFDOSWLQ\UHGELWHVSRWVRQ
WKHVFDOSDQGVPDOOZKLWHEXPSVQHDUWKHEDVHRIWKHKDLUV2QFHFKLOGUHQDUHPL[LQJVR
FLDOO\VXFKDVDWGD\FDUHRUSUHVFKRROLWLVDJRRGLGHDWRFKHFNWKHLUKDLUUHJXODUO\
6FKRROVZLOOXVXDOO\QRWLI\SDUHQWVRIDQRXWEUHDN
•
$UP\RXUVHOIZLWKDPHWDOOLFHFRPE7KHSODVWLFRQHVDUHXVHOHVVDVWKHHJJVMXVWVOLS
ULJKWWKURXJK
•
7KHHJJVRIKHDGOLFHQLWVXVXDOO\WDNHWRGD\VWRKDWFK/LYHHJJVDQGKHDG
OLFHDUHQRWHDVLO\VSRWWHGRQWKHKHDG,QWHQVLYHGHWHFWLRQWZLFHDZHHNIRU±ZHHNVLV
WKHNH\7KHQLWVDUHHDVLHUWRVHHWKDQWKHDOPRVWWUDQVSDUHQWDGXOWV
6((5(9(56(2)7+,6&$5')25+2:72%($7+($'/,&(
+($/7+,16(&7%,7(667,1*67LFN%LWHV
•
$YRLGWLFNLQIHVWHGDUHDVDVPXFKDVSRVVLEOH7LFNVDUHFRPPRQO\IRXQGLQ
GHQVHEXVK\DUHDVHVSHFLDOO\OHDI\PXOFKDQGORQJJUDVV7KH\WHQGWREHIDLUO\
LPPRELOHDQGPRYHDERXWE\DWWDFKLQJWRKXPDQVSHWVDQGOLYHVWRFN0DNHVXUH
FKLOGUHQDUHDZDUHRIULVN\DUHDVDQGFKHFNWKHPWKRURXJKO\ZKHQWKH\FRPHLQ
IURPDEXVKZDONRUSOD\LQJLQJDUGHQV7LFNVIDYRXUWKHEDFNRIWKHKHDGDQG
EHKLQGWKHHDUV%UXVKRIIFORWKLQJZKHQILUVWHQWHULQJWKHKRXVH
•
7LFNVPD\EHFDUULHGLQWRWKHKRXVHRQSHWVDQGFDQVSUHDGWRFKLOGUHQ
HVSHFLDOO\LISHWVDUHDOORZHGRQWKHIXUQLWXUHRUWRVOHHSRQFKLOGUHQ¶VEHGV&KHFN
\RXUDQLPDOVIUHTXHQWO\DQGXVHFRPELQDWLRQIOHDDQGWLFNSUHSDUDWLRQVDYDLODEOH
IURPYHWVVXFKDV)URQWOLQHDQG$GYDQWDJH
•
:KHQZRUNLQJZDONLQJRUSOD\LQJLQDUHDVZKHUHWLFNVDUHFRPPRQO\IRXQGLW
FDQEHKHOSIXOWRVSUD\FORWKLQJZLWKLQVHFWUHSHOOHQWVRUDSURGXFWFRQWDLQLQJOHPRQ
HXFDO\SWXVFDOOHGFLWULGLRO$GGLWLRQDOO\WU\ZHDULQJOLJKWFRORXUHGFORWKLQJIRUHDV\
GHWHFWLRQRIWLFNV.HHSULVN\DUHDVEUXVKFXWDQGPRZQDVPXFKDVSRVVLEOH
+($/7++RZWREHDW+HDG/LFH
•
/HDUQKRZWREUHDNWKHOLIHF\FOHE\UHPRYLQJKDWFKHGOLFH
•
&RQWUDU\WRSRSXODURSLQLRQUHFHQWVWXGLHVLQVLVWWKDWLWLVXQQHFHVVDU\WRGLVLQIHFWDOO
FORWKLQJWR\VDQGEHGGLQJ7UHDWWKHOLYHLQIHVWDWLRQUHPRYHQLWVHJJVDVPXFKDVSRV
VLEOHDQGWUHDWFRPEVDQGEUXVKHVDYRLGVKDULQJ
•
/DWHVWUHVHDUFKPDLQWDLQVWKDWWKHXVHRIQHXURWR[LFFKHPLFDOVWRWUHDWKHDGOLFHLV
H[SHQVLYHDQGXQFDOOHGIRU,QDGGLWLRQKHDGOLFHRIWHQEXLOGXSUHVLVWDQFHWRSDUWLFXODU
SURGXFWV6SHFLDOOLFHFRPEVXVHGLQFRQMXQFWLRQZLWKQRUPDOFRQGLWLRQHUDUHMXVWDV
HIIHFWLYHDQGOHVVWR[LFWR\RXUFKLOG
•
&KHFNDOOIDPLO\PHPEHUVDQGWUHDWDVQHFHVVDU\
•
&RPELQJZHWFRQGLWLRQHGKDLUZLWKDOLFHFRPELVDUHOLDEOHGHWHFWLRQ
DQGHUDGLFDWLRQPHWKRGVLQFHZHWOLFHVWD\VWLOO'U\RUGDPSOLFHPRYHTXLFNO\
WKXVDYRLGLQJGHWHFWLRQ5HPRYHOLFHRQWRDWLVVXHZLWKHDFKFRPEWKURXJKDQG
UHSHDWWKLVSURFHVVUHJXODUO\
•
8VH3UHYHQWDWLYHPHDVXUHVE\ILOOLQJDVSUD\ERWWOHZLWKDWHDWUHHODYHQGHUDQG
ZDWHUVROXWLRQ$SSO\LQWKHPRUQLQJVSULRUWRVFKRRO0DNHVXUHHDFKIDPLO\
PHPEHUKDVWKHLURZQEUXVKIRUWKHLUXVHRQO\
+($/7+
$67+0$
$VWKPDLVDUHVSLUDWRU\LOOQHVVLQYROYLQJDFKURQLFLQIODPPDWLRQRIWKHDLUZD\VOHDGLQJWRZKHH]LQJ
FRXJKLQJDQGGLIILFXOW\EUHDWKLQJ,WLVFXUUHQWO\RQHRIWKHPRVWFKURQLFLOOQHVVHVLQ$XVWUDOLDDQGWKH
FRPPRQHVWUHDVRQWKDWFKLOGUHQSUHVHQWWRWKHHPHUJHQF\GHSDUWPHQWZLWKLQFKLOGUHQUHSRUWHGWR
EHVXIIHULQJIURPDVWKPD
7KHLQFLGHQFHRIDVWKPDLVLQFUHDVLQJZRUOGZLGHDQGWKHFRQGLWLRQLVWZLFHDVOLNHO\WRRFFXULQER\V
WKDQJLUOV
$VWKPDFDQEHGLIILFXOWWRIXOO\GLDJQRVHLQ\RXQJFKLOGUHQJLYHQWKDWDWKLUGRIDOOFKLOGUHQH[SHULHQFH
FRXJKLQJDQGZKHH]LQJV\PSWRPVLQWKHLUILUVWILYH\HDUV$OVRRQHRIWKHGLDJQRVWLFWRROVXVHGWR
PHDVXUHKRZZHOOWKHOXQJVZRUND³SHDNIORZPHWHU´FDQRQO\EHXVHGZLWKFKLOGUHQRYHUILYH\HDUV
:KHH]LQJLQHDUO\FKLOGKRRGLVOHVVSUHGLFWLYHRIDVWKPDWKDQLILWKDSSHQVODWHULQDFKLOG¶VOLIH,I
WKHUHLVDUHFXUUHQWSDWWHUQRIFRXJKLQJDQGZKHH]LQJRYHUWKHDJHRIILYH\HDUVWKHSUREDELOLW\WKDWLW
LVGXHWRDVWKPDULVHVWR
7KHSUHVHQFHRIRWKHUDOOHUJLHVVXFKDVKD\IHYHUDQGHF]HPDLQFUHDVHVWKHOLNHOLKRRGRID
FRQFXUUHQWFRQGLWLRQRIDVWKPDE\DSSUR[
+($/7+
•
$67+0$
%URQFKLROLWLVLVDQLQIODPPDWLRQRIWKHVPDOODLUSDVVDJHVZKLFKFDQRFFXULQEDELHVDQGRIWHQ
PDQLIHVWVLQDVLPLODUPDQQHUWRDVWKPD,I\RXUEDE\FRQWUDFWVWKLVFRPPRQYLUDOLQIHFWLRQLW
GRHVQRWQHFHVVDULO\LQGLFDWHDSURSHQVLW\WRZDUGVDVWKPD
•
7KHWZRVWURQJHVWULVNIDFWRUVIRUDFKLOGGHYHORSLQJDVWKPDDUHDIDPLO\KLVWRU\RIDVWKPD
DQGWKHSUHVHQFHRIDOOHUJHQLFWHQGHQFLHV,QDGGLWLRQSDVVLYHVPRNLQJLVDVVRFLDWHGZLWKDQ
LQFUHDVHGULVNRIUHVSLUDWRU\LQIHFWLRQVLQHDUO\FKLOGKRRGDQGPD\FRQWULEXWHWRWKH
GHYHORSPHQWRIDVWKPDDQGRWKHUDOOHUJLFUHDFWLRQV
•
,I\RXUFKLOGLVGLDJQRVHGZLWKDVWKPDWU\QRWWRZRUU\DVPRVWFKLOGUHQZLWKDVWKPDZLOOOHDG
QRUPDOOLYHVDQGRIWHQLPSURYHDVWKH\JHWROGHU7KHEHVWZD\WRKHOS\RXUFKLOGLVWR
XQGHUVWDQGKHUFRQGLWLRQDQGPRQLWRUZKDWWULJJHUVKHUDVWKPD\RXFDQWKHQPLQLPLVHRU
DYRLGH[SRVXUHWRWKHVHWULJJHUV9LUDOUHVSLUDWRU\LQIHFWLRQVDUHWKHPRVWFRPPRQWULJJHUIRU
DVWKPDDWWDFNV2WKHUWULJJHUVDUHDOOHUJLHVWRIRRGVXFKDVPLONHJJVSHDQXWVDQGIRRG
DGGLWLYHV
+($/7+ $67+0$
•
7KHV\PSWRPVWKDWFKDUDFWHULVHDVWKPDDUHLQWHUPLWWHQWZKHH]LQHVVYDU\LQJLQVHYHULW\
VKRUWQHVVRIEUHDWKDQGGLIILFXOW\EUHDWKLQJWLJKWQHVVLQWKHFKHVWSHUVLVWHQWFRXJKLQJDQGLQ
PRUHVHULRXVDWWDFNVWKHUHPD\EHDEOXHQHVVDURXQGWKHOLSVNQRZQDVF\DQRVLVZKLFKLQGL
FDWHVDODFNRIR[\JHQ,I\RXQRWLFHWKDW\RXUFKLOGH[SHULHQFHVUHFXUUHQWSDWWHUQVRI
DQ\RIWKHVHV\PSWRPVHVSHFLDOO\LIV\PSWRPVZRUVHQLQWKHPRUQLQJVRUDWQLJKW
WDONWR\RXUGRFWRU
•
0RVWGRFWRUVGRQRWGLDJQRVHDVWKPDLQEDELHVOHVVWKDQPRQWKVXQWLOWKH
DLUZD\VLQWKHLUOXQJVKDYHPDWXUHG,WLVQRZJHQHUDOO\DFNQRZOHGJHGWKDWZKHH]LQJLQ
LQIDQWVPD\RFFXUIRUDQXPEHURIUHDVRQVDQGIROORZVRQHRIWZRSDWWHUQV7UDQVLHQW
HDUO\ZKHH]HUVDUHWKRVHZKRH[SHULHQFHV\PSWRPVRIZKHH]LQJZLWKLQWKHILUVWPRQWKV
DQGVWRSDIWHUWKHDJHRIWKUHH7KLVDFFRXQWVIRUDSSUR[RIDOOHDUO\ZKHH]HUV
7KHVHFKLOGUHQZLOOQRWUHVSRQGWRDVWKPDPHGLFDWLRQVEHFDXVHWKH\DUHQRWDVWKPDWLF
•
3HUVLVWHQWZKHH]HUVDUHWKRVHFKLOGUHQZKRVKRZDVWKPDV\PSWRPVZLWKLQWKHILUVW
\HDUVRIOLIHDQGFRQWLQXHRQXQWLOWKH\DUHGLDJQRVHGZLWKDVWKPD
•
7KHSUHVHUYDWLYHPHWDELVXOSKLWHFRPPRQO\XVHGIRUDQWLR[LGDQWHIIHFWVKDVEHHQ
GHPRQVWUDWHGWRWULJJHULPPHGLDWHDVWKPDV\PSWRPVLQWZRWKLUGVRIFKLOGUHQZLWKSHUVLVWHQW
DVWKPD,QKDOHGDOOHUJHQVDUHDOVRNQRZQWULJJHUVRIDVWKPDDQGLQFOXGHKRXVHGXVWPLWHV
SHWKDLUPRXOGVFLJDUHWWHVPRNHSROOHQHWF$VWKPDKDVDOVREHHQOLQNHGWRFKDQJHVLQGLHW
DQGZHDWKHUDORQJZLWKH[SRVXUHWRFHUWDLQGUXJVVWUHVVSROOXWLRQDQGHYHQH[HUFLVH
•
2QFH\RXKDYHHVWDEOLVKHGZKDWWULJJHUV\RXUFKLOG¶VDVWKPDLWLVVXJJHVWHGWKDW\RX
GLYLGHWKHVHWULJJHUVLQWRJURXSVWKRVH\RXFDQDYRLGWKRVH\RXFDQ¶WDYRLGDQGWKRVH
WULJJHUV\RXGRQ¶WZDQWWRDYRLGVXFKDVH[HUFLVH
•
:KLOHDVWKPDFDQQRWEHFXUHGLWFDQEHDGHTXDWHO\FRQWUROOHGZLWKDQXPEHURI
WUHDWPHQWRSWLRQV5HOLHYHUVDUHVRPHWLPHVNQRZQDVEURQFKRGLODWRUVVXFKDV9HQWROLQ
DQG%ULFDQ\ODQGRSHQXSWKHEURQFKLE\UHOD[LQJWKHPXVFOHVLQWKHDLUZD\VWKXVDOORZLQJ
EUHDWKLQJWREHHDVLHU7KH\DUHXVXDOO\JLYHQDVDQLQKDOHUWKDWLVXVHGZLWKD³VSDFHU´
ZKLFKPDNHVLWVLPSOHUIRUFKLOGUHQWRPDQDJH5HOLHYHUVDFWTXLFNO\WRUHOLYHV\PSWRPVRI
ZKHH]LQJDQGEUHDWKOHVVQHVV
+($/7+0HGLFDWLRQV$67+0$
•
6RPHUHOLHYHUPHGLFDWLRQVVXFKDVSUHGQLVRORQHDUHWDNHQDVDV\UXSRUWDEOHWEXWWKLVIRUPRI
PHGLFDWLRQFDQWDNHEHWZHHQ±KRXUVWRZRUN,QKDODWLRQLVJHQHUDOO\DFFHSWHGDVWKH
PRVWHIIHFWLYHPHDQVRIWDNLQJDQDVWKPDPHGLFDWLRQVLQFHWKHPHGLFDWLRQJHWVWRWKH
DLUZD\VUDSLGO\DQGWDNHVHIIHFWZLWKLQPLQXWHV
•
3UHYHQWHUPHGLFDWLRQVDUHLQGLFDWHGIRUFKLOGUHQZLWKLQWHUPLWWHQWRUSHUVLVWHQW
DVWKPDDQGDUHGHVLJQHGWREHXVHGGDLO\HYHQZKHQWKHFKLOGLVZHOODQGQRWVXIIHULQJZLWK
V\PSWRPV7KHVHPHGLFDWLRQVSUHYHQWWKHLQIODPPDWLRQDVVRFLDWHGZLWKDVWKPDDQGDLPWRUH
GXFHWKHIUHTXHQF\DQGVHYHULW\RIDVWKPDDWWDFNV$OOFKLOGUHQZLWKDVWKPDZLOOQHHGDUHOLHYHU
PHGLFDWLRQDQGVRPHZLOOUHTXLUHDSUHYHQWHUDVZHOO3UHYHQWHUPHGLFDWLRQVFDQEHFRUWLFR
VWHURLGVRUQRQVWHURLGDO$IWHUDIHZZHHNVRQSUHYHQWHUWUHDWPHQWLWLVDGYLVDEOHWRFRQVXOWZLWK
\RXUGRFWRUDQGHVWDEOLVKZKHWKHUWKHPHGLFDWLRQKDVUHGXFHGWKHQXPEHURIHSLVRGHVRIDVWKPD
DQGWKHIUHTXHQF\DQGVHYHULW\RIV\PSWRPVEHWZHHQHSLVRGHV
•
7KHUHDUHVRPHVLGHHIIHFWVIURPLQKDOHGVWHURLGVVXFKDVVORZHGJURZWKUDWHDPRQJRWKHUV
EXWHYLGHQFHVXJJHVWVDJUHDWHUULVNWRJURZWKLIDVWKPDLVQRWDGHTXDWHO\FRQWUROOHG
+($/7+7UHDWPHQW3ODQ$67+0$
•
7KHWUHDWPHQWSODQZLOOGHSHQGRQZKLFKSDWWHUQRIDVWKPD\RXUFKLOGKDV
7KHPRVWFRPPRQSDWWHUQDIIHFWLQJ±RIDOOFKLOGUHQLVLQIUHTXHQWRUIUHTXHQW
HSLVRGLFDVWKPD7KH\PD\H[SHULHQFHLQWHUPLWWHQWHSLVRGHVVXFKDVGD\HYHU\ ZHHNVEXW
UHPDLQV\PSWRPIUHHLQEHWZHHQ
•
,QRIFDVHVFKLOGUHQZLOOKDYHPLOGPRGHUDWHRUVHYHUHSHUVLVWHQWDVWKPD7KLVLVVLPLODU
WRWKHHSLVRGLFDVWKPDSDWWHUQEXWZLWKVKRUWHUSHULRGVRI
UHVSLWHLQEHWZHHQ7KLVJURXSZLOOEHQHILWIURPUHJXODUSUHYHQWLYHWKHUDS\
•
,Q±RIFDVHVFKLOGUHQZLOOH[SHULHQFHSHUVLVWHQWDVWKPDZLWKDFXWHSHULRGVWKDWPD\
LQWHUUXSWWKHLUVOHHS7KHVHFKLOGUHQPD\QHHGLQKDOHGFRUWLFRVWHURLGVRUFRPELQDWLRQWKHUDS\WR
FRQWUROV\PSWRPV
•
7KHW\SHRIDVWKPDSDWWHUQ\RXUFKLOGKDVZLOOGHWHUPLQHWKHGD\WRGD\
PDQDJHPHQWRIWKHFRQGLWLRQ<RXPD\FKRRVHWRNHHSDGDLO\DVWKPDV\PSWRPV
GLDU\WRKHOS\RXWUDFN\RXUFKLOG¶VFRQGLWLRQDORQJZLWKDQDVWKPDUHFRUGFDUGZKLFK
ZLOORXWOLQH\RXUPDQDJHPHQWSODQPHGLFDWLRQVDQGZKDWQHHGVWREHGRQHLQWKHHYHQW
RIDQDFXWHDVWKPDDWWDFN7XUQRYHUDQGUHDGDERXWZKDWWRGRLQDQHPHUJHQF\
+($/7+$67+0$
•
$GGLWLRQDOWUHDWPHQWVIRUDVWKPDLQFOXGHV\PSWRPFRQWUROOHUV7KHVHPHGLFDWLRQVZRUN
OLNHUHOLHYHUVEXWODVWORQJHUDSSUR[KRXUVFRPSDUHGWR7KH\DUHXVXDOO\RQO\
DGGHGWR\RXUFKLOG¶VDVWKPDWUHDWPHQWZKHQWKHV\PSWRPVFRQWLQXHHYHQZKHQXVLQJ
ORZWRPRGHUDWHGRVHVRILQKDOHGFRUWLFRVWHURLGV
•
,QVRPHFDVHVLPPHGLDWHDFWLRQLVUHTXLUHGDQG\RXZLOOQHHGWRFDOODGRFWRURU
DQDPEXODQFH,I\RXUFKLOGFRQWLQXHVWRZKHH]HFRXJKH[SHULHQFHVFKHVWWLJKWQHVVRU
VKRUWQHVVRIEUHDWKDIWHUXVLQJWKHUHOLHYHUPHGLFDWLRQRULIWKHV\PSWRPVUHWXUQZLWKLQ
PLQXWHVRIXVLQJLWWDNH\RXUFKLOGWRWKHQHDUHVWORFDOGRFWRURUWKH(PHUJHQF\'HSW
7KHVDPHDSSOLHVLI\RXUFKLOGLVUHTXLULQJUHOLHYHUPHGLFDWLRQHYHU\KRXUVRULIVKHLV
ILQGLQJLWGLIILFXOWWREUHDWKHRUWDON
•
:KHQGHDOLQJZLWKDFKLOGZLWKDVWKPDLWLVLPSRUWDQWWRFRQVXOWZLWK\RXUGRFWRUDQG
HVWDEOLVKDQDVWKPDDFWLRQSODQ7KLVZLOOWHOO\RXKRZWRSUHYHQWDQGPDQDJHDVWKPD
DWWDFNV2QFH\RXKDYHGRQHWKLVNHHSLWFORVHDWKDQGDQGHQVXUHDOOFDUHJLYHUVDUH
DZDUHRIZKDWWRGRLQWKHHYHQWRI\RXUFKLOGKDYLQJDQDVWKPDDWWDFN
+($/7+(PHUJHQFLHV$67+0$
•
,QDQHPHUJHQF\WKHVWDQGDUGDVWKPDILUVWDLGSODQDVDGYLVHGE\$VWKPD$XVWUDOLD
PD\EHXVHG
•
6WHS6LWWKHFKLOGXSULJKWUHPDLQFDOPDQGRIIHUUHDVVXUDQFH'RQRWOHDYHWKHFKLOGDORQH
•
6WHS*LYHIRXUSXIIVRIDEOXHUHOLHYHUSXIIHURQHSXIIDWDWLPHSUHIHUDEO\WKURXJKD
VSDFHUGHYLFH$VNWKHFKLOGWRWDNHEUHDWKVIURPWKHVSDFHUDIWHUHDFKSXII
•
6WHS:DLWPLQXWHV
•
6WHS,IWKHUHLVOLWWOHRUQRLPSURYHPHQWUHSHDWVWHSVDQG,IWKHVLWXDWLRQUHPDLQV
WKHVDPHFDOODQDPEXODQFHLPPHGLDWHO\RQ&RQWLQXHWRUHSHDWVWHSVDQGZKLOH
ZDLWLQJIRUWKHDPEXODQFH
•
)RUPRUHLQIRUPDWLRQWDONWR\RXUGRFWRURUFRQWDFWWKHIROORZLQJRUJDQLVDWLRQV
$VWKPD$XVWUDOLD1DWLRQDO$VWKPD&RXQFLOZZZQDWLRQDODVWKPDRUJDX
0RQGD\±)ULGD\DP±SP7KH$VWKPD)RXQGDWLRQRI16:
ZZZDVWKPDQVZJRYDXRUDGYLFHOLQH0RQGD\±)ULGD\DP±SP
+($/7+5DVKHVDWD*ODQFH
0HQLQJRFRFFDO0HQLQJLWLV&DQDSSHDUDQ\ZKHUHRQWKHERG\7KHEHVWFKHFNIRUPHQLQJLWLV
•
LVWRSUHVVDJODVVWRWKHUDVK,IWKHUDVKVWD\VYLVLEOHFRQVXOW\RXUGRFWRULPPHGLDWHO\
0HQLQJLWLVLVDFFRPSDQLHGE\IOXOLNHV\PSWRPVIHYHUH[FHVVLYHGURZVLQHVVVHYHUHKHDGDFKHV
DQGDVWLIIQHFN
&KLFNHQ3R[6\PSWRPVDSSHDUZHHNVDIWHULQIHFWLRQRIWHQVWDUWLQJZLWKDKHDGDFKHDQG
•
IHYHU7KHUDVKIRUPVLQSDWFKHVRILWFK\UHGVSRWVZKLFKWXUQLQWRIOXLGILOOHGEOLVWHUV&DQRFFXU
DQ\ZKHUHRQWKHERG\%OLVWHUVFDQWXUQLQWRVFDEVLIVFUDWFKHG
0HDVOHV6\PSWRPVDSSHDUGD\VDIWHULQIHFWLRQDFFRPSDQLHGE\IHYHUZDWHU\H\HV
•
UXQQ\QRVHDQGGU\FRXJK:KLWHVSRWV.RSOLN¶VVSRWVLQWKHPRXWKDUHRIWHQWKHILUVWYLVLEOH
VLJQRIPHDVOHV)ODWEORWFK\EURZQUHGVSRWVIRUPEHKLQGWKHHDUVDQGVSUHDGUDSLGO\WRWKH
UHVWRIWKHERG\
+($/7+
1DSS\5DVK
•
1DSS\UDVKLVRQHRIWKHPRVWFRPPRQUDVKHVDIIHFWLQJEDELHVFDXVLQJ
WKHVNLQRQWKHERWWRPJHQLWDOVRUWKLJKVWREHFRPHUHGDQGLQIODPHG,WLV
XVXDOO\WKHUHVXOWRIZHDULQJZHWRUVRLOHGQDSSLHVIRUH[WHQGHGSHULRGVRI
WLPHWKHDPPRQLDSUHVHQWLQXULQHRIWHQWULJJHUVDQDWWDFN%XWQDSS\UDVK
FDQVRPHWLPHVEHGXHWRDQLUULWDWLRQWRFHUWDLQZLSHVRUSHUIXPHGVRDSV
•
6RPHEDELHVGHYHORSWKHUDVKXSRQVWDUWLQJVROLGVLQUHDFWLRQWRFHUWDLQ
IRRGVHVSHFLDOO\FLWUXVIUXLWV,WLVDOVRPRUHOLNHO\LIWKHUHLVDIDPLO\KLVWRU\
RIGHUPDWLWLV
•
1DSS\UDVKWHQGVWREHPDGHZRUVHE\GLDUUKRHDLQIUHTXHQWQDSS\
FKDQJHVDQGSODVWLFSDQWVZKLFKGRQRWDOORZEDE\¶VVNLQWREUHDWKH
•
7KHPRVWHIIHFWLYHZD\VWRGHDOZLWKQDSS\UDVKDUHWRFKDQJHQDSSLHV
RIWHQDSSUR[±WLPHVSHUGD\XVHDKLJKTXDOLW\QDSS\ZKLFKNHHSV
PRLVWXUHDZD\IURPEDE\¶VVNLQXVHVRDSIUHHSURGXFWVDYRLGWKHXVHRI
EDE\ZLSHVGXULQJWKHUDVKDQGVZLWFKWRFRWWRQZRROGLSSHGLQZDUPZDWHU
+($/7+5DVKHVDWD*ODQFH
•
6FDUOHW)HYHU
5DVKDSSHDUVZLWKLQKRXUVRIWKHPDLQV\PSWRPVZKLFKLQFOXGH
H[WUHPHO\KLJKWHPSHUDWXUHXSWR&DEGRPLQDOSDLQVYRPLWLQJ
HQODUJHGWRQVLOVVRUHWKURDWDQGDWRQJXHFRYHUHGE\IXUU\UHGSDWFKHV
2WKHUVSRWVDSSHDUEHKLQGWKHHDUVDQGVSUHDGDQGPHUJHWKURXJKRXWWKH
ERG\
•
5RVHROD
5HODWLYHO\UDUHZLWKV\PSWRPVPXFKOLNH6FDUOHWIHYHU7LQ\GLVWLQFWSLQN
VSRWVDSSHDURQWKHIDFHOLPEVDQGQHFN5DVKIDGHVDIWHUDERXWKUV
•
,PSHWLJR
,QLWLDOV\PSWRPVLQFOXGHUHGGHQLQJRIWKHVNLQZKLFKJLYHZD\WRFURSVRI
VPDOOLWFK\IOXLGILOOHGEOLVWHUV7KHEOLVWHUVEXUVWDQGIRUPVPDOOKRQH\
FRORXUHGVFDEVZKLFKFDQEHHDVLO\VSUHDG
+($/7+
1DSS\5DVK
•
,WLVDOVRDJRRGLGHDWRXVHVRPHIRUPRIEDUULHUFUHDPVXFKDV]LQFRU
QDWXUDOFUHDPV±VXFKDVFKDPRPLOHFDOHQGXODVRRWKLQJDQGKHDOLQJRU
HYHQLQJSULPURVHRLOZKLFKLVDQDWXUDODQWLLQIODPPDWRU\$YRLGWKHXVHRI
WDOFXPSRZGHU
•
,IQDSS\UDVKLVXQUHVSRQVLYHWRWKHXVXDOFUHDPVDQGWUHDWPHQWV
\RXUEDE\PD\KDYHFRQWUDFWHGDIXQJDOLQIHFWLRQVXFKDVWKUXVK$VN\RXU
GRFWRURUSKDUPDFLVWIRUDGYLFH
+($/7+5RVHROD,QIDQWXP
•
5RVHROD,QIDQWXPURVHUDVKRILQIDQWVLVDFRPPRQPLOGYLUDOLQIHFWLRQ
ZKLFKWHQGVWRRFFXULQEDELHVDQGFKLOGUHQXQGHUWKHDJHRI8SWRRI
FKLOGUHQXQGHUWKHDJHRIZLOOKDYHFRQWUDFWHGWKHYLUXVRQHWKLUGRIWKHVHSUHVHQW
ZLWKRXWWKHUDVK
•
,WLVFDXVHGE\WKHKXPDQKHUSHVYLUXVW\SH++9EXWGRHVQRWOHDGWRRWKHU
KHUSHVFRQGLWLRQV,WLVEHOLHYHGWREHFRQWUDFWHGWKURXJKDLUERUQHGURSOHWVVQHH]LQJ
FRXJKLQJDQGGLUHFWFRQWDFWZLWKLQIHFWHGFKLOGUHQ&XUUHQWUHVHDUFK
•
LQGLFDWHVWKDWPRVWEDELHVLQIHFWHGZLWKWKH++9YLUXVKDGWKHYLUXVLQWHJUDWHGLQWR
WKHLUFKURPRVRPHVGXULQJIHWDOGHYHORSPHQW
7\SLFDOO\WKHFRQGLWLRQEHJLQVVXGGHQO\ZLWKKLJKWHPSHUDWXUHVRI±
GHJUHHV&DQGODVWVDSSUR[GD\V7KHQDVWKHFKLOGDSSHDUVWREHUHFRYHULQJDQG
WKH WHPSHUDWXUHVQRUPDOLVHDEULJKWUHGVSRWWHGUDVKDSSHDUVRQWKHWUXQNDQGDUPV
•
7KHUDVKLVQRWLWFK\DQGODVWVDQ\ZKHUHIURPDIHZKRXUVWRGD\V,WLVLPSRUWDQW
WRQRWHKRZHYHUWKDWWKLVLVWKHPRVWLQIHFWLRXVSHULRGVRFKLOGUHQVKRXOGEHNHSWDW
KRPHWRUHVWULFWWKHVSUHDGRILQIHFWLRQ
+($/7+
•
5LQJZRUP
'HVSLWHLWVQDPHULQJZRUPKDVQRWKLQJWRGRZLWKZRUPV/LNHWLQHDDQG
DWKOHWH¶VIRRWULQJZRUPLVDIXQJDOLQIHFWLRQZKLFKDIIHFWVWKHIDFHDQGVFDOS
DQGWKHVNLQRQWKHERG\LQFOXGLQJWKHJURLQDUHD
•
5LQJZRUPPRVWFRPPRQO\DIIHFWVFKLOGUHQEHWZHHQWKHDJHVRIDQG
\HDUVZLWKRXWEUHDNVRIWHQRFFXUULQJLQSUHVFKRROVDQGGD\FDUH,WLVUHD
VRQDEO\FRQWDJLRXVDQGLVFRQWUDFWHGE\FRPLQJLQWRFRQWDFWZLWKWKH
IXQJXVLQDQXPEHURIZD\VGLUHFWO\E\VNLQWRVNLQFRQWDFWZLWKLQIHFWHG
SHRSOHDQLPDOVDQGUDUHO\VRLODOWHUQDWHO\LWFDQEHFDXJKWLQGLUHFWO\IURP
FRQWDFWZLWKLQIHFWHGREMHFWVDQGVXUIDFHVKDWVFORWKLQJUXJV
•
)RUWXQDWHO\ULQJZRUPLVKLJKO\WUHDWDEOHDQGPXVWEHWUHDWHGDVWKH
FRQGLWLRQZLOOQRWGLVDSSHDURQLWVRZQ
•
7KHPDLQV\PSWRPVRQWKHERG\DUHFLUFXODUIODN\SDWFKHVZLWKLQIODPHG
HGJHV
+($/7+ 5RVHROD,QIDQWXP
•
$OWKRXJKURVHRODLVJHQHUDOO\DPLOGFRQGLWLRQFRPSOLFDWLRQVFDQRFFXU
DVUHVXOWRIUDSLGDQGKLJKWHPSHUDWXUHVZKLFKPD\EULQJRQIHEULOH
FRQYXOVLRQV6HHµ)HEULOH&RQYXOVLRQV¶7KHVHDUHVHL]XUHVWKDWUHVXOWIURP
KLJKIHYHUVDQGDOWKRXJKWKH\DUHUDUHO\VHULRXVDGRFWRUVKRXOGEHFRQVXOWHG
LPPHGLDWHO\,QUDUHFDVHVFKLOGUHQZLWKVXSSUHVVHGLPPXQHV\VWHPVPD\EH
VXVFHSWLEOHWR+HSDWLWLVRU3QHXPRQLD
•
1RIRUPDOWUHDWPHQWLVQHFHVVDU\DQGURVHRODGRHVQRWUHTXLUH
DQWLELRWLFV6RPHWLPHVGRFWRUVZLOOGREORRGRUXULQHWHVWVWRUXOHRXWRWKHU
LQIHFWLRQV,QPRVWFDVHVUHFRYHU\IURPURVHRODLVTXLFNDQGVSRQWDQHRXV
XVXDOO\RFFXUULQJZLWKLQRQHZHHN
•
+RPHWUHDWPHQWLQFOXGHVDGHTXDWHUHVWSOHQW\RIKHDOWK\IOXLGV,WLV
KHDOWK\WRDOORZVRPHGHJUHHRIPLOGIHYHUVWRWDNHSODFHVLQFHWKLVLVWKH
ERG\¶VQDWXUDOZD\RIDFWLYDWLQJLWVGHIHQFHV\VWHP
+($/7+ 5LQJZRUP
<RXFDQDOVRKHOSSUHYHQWWKHVSUHDGRIULQJZRUPE\NHHSLQJDIIHFWHGDUHDVFOHDQ
DQGGU\XVHPLOGVRDSVGLVFRXUDJHVFUDWFKLQJDQGKDYHSHWVFKHFNHGE\YHWVDOWKRXJK
VWXGLHVVKRZWKDWRQO\DERXWRIDOOFDVHVDUHGXHWRFDWVDQGGRJV$YRLGWKHVKDULQJ
RISHUVRQDOLWHPVDQGLISRVVLEOHGLVFDUGDIIHFWHGEUXVKHVLQIDYRXURIQHZRQHV
•
7KHPDLQV\PSWRPVRQWKHVFDOSDUHIODN\GDQGUXIIOLNHVNLQRFFDVLRQDOEDOG
SDWFKHVGXHWREULWWOHKDLUZKLFKFDQEUHDNRIIFORVHWRWKHVFDOSDQGVRPHWLPHVD
SXVILOOHGDUHDFDOOHGDNHULRQFDQRFFXU$VZLWKULQJZRUPRQWKHERG\DIIHFWHGDUHDV
WHQGWREHH[WUHPHO\LWFK\
•
&RQYHQWLRQDOWUHDWPHQWVLQFOXGHDQWLIXQJDOFUHDPVDQGDUHDYDLODEOHRYHUWKH
FRXQWHUDW\RXUSKDUPDF\IRUPLOGFDVHVRIULQJZRUP,QWKHLQIHFWLRQLVZLGHVSUHDG
\RXUGRFWRUPD\SUHVFULEHDQDQWLIXQJDOPHGLFDWLRQ
•
,WLVDGYLVDEOHWROLPLWRUHOLPLQDWHVXJDUVIURPWKHGLHWDVPXFKDVSRVVLEOH
LQFOXGLQJGULHGIUXLWVDVZHOODVDYRLGLQJIRRGVZKLFKHLWKHUFRQWDLQ\HDVWVXFKDV
YHJHPLWHRUPRXOGSURQHIRRGVVXFKDVEUHDGVFDNHVFKHHVHPHORQVDQG
SHDQXWV,QFUHDVLQJ\RXUFKLOG¶VILEUHLVDOVRKHOSIXO$GGLWLRQDOO\JDUOLFILJKWVIXQJXV
DQGERRVWVLPPXQHIXQFWLRQDVGRHVYLWDPLQ&DQGDJRRGPXOWLYLWDPLQVXSSOHPHQW
5LQJZRUP
+($/7+
5LQJZRUPVSRUHVFDQUHPDLQLQWKHHQYLURQPHQWIRU
±\HDUVVRUHLQIHFWLRQPD\RFFXU6SRUHVPD\FROOHFW
LQEDWKVFORWKHVEDVNHWVDQGGUDZHUVDQGFDQEHWUHDWHGE\
GLVLQIHFWLQJVXUIDFHVRUXVLQJDEOHDFKVROXWLRQIRUVHY
HUDOZHHNV
$QDWXUDOPHWKRGFRQVLVWVRIPL[LQJWHDWUHHWK\PHDQG
URVHPDU\RLOV±GURSVSHUEXFNHW&OHDQYDFXXPEDJV
RXWUHJXODUO\DQGSODFHDQ\VXVSHFWHGLWHPVOLNHUXJVLQ
VXQOLJKWDVKLJKWHPSHUDWXUHVNLOOVIXQJXV
+($/7+
&KLFNHQSR[
•
&KLFNHQSR[LVDKLJKO\FRQWDJLRXVWKRXJKUHODWLYHO\PLOGYLUDOLQIHFWLRQ
ZKLFKFRPPRQO\RFFXUVLQFKLOGUHQXQGHUWKHDJHRI7KHRQVHWRIV\PSWRPV
JHQHUDOO\EHJLQVDERXWGD\VDIWHUH[SRVXUHWRWKHLQIHFWLRQ
•
&KLFNHQSR[LVVSUHDGE\DLUERUQHGURSOHWVIURPFRXJKVDQGVQHH]HVIURPRU
GLUHFWFRQWDFWZLWKVRPHRQHZKRLVLQIHFWHG&KLOGUHQUHPDLQFRQWDJLRXVIRU
DERXW±GD\VRUXQWLOWKHVFDEVDQGEOLVWHUVDUHGU\1HZERUQVDQG
WKRVHZLWKUHGXFHGLPPXQLW\DUHPRVWDWULVNRIGHYHORSLQJFRPSOLFDWLRQVIURP
FRQWUDFWLQJFKLFNHQSR[
•
7KHILUVWV\PSWRPVDUHRIWHQDKHDGDFKHDQGIHYHUIROORZHGE\DUHGLWFK\
UDVKRQWKHFKHVW)UHVKFURSVRIEOLVWHU\VRUHVFDQDSSHDUHYHU\±GD\V
ZKLFKZHHSDVWUDZFRORXUHGIOXLGDQGDUHHDVLO\VSUHDG$SSUR[RXWRIHYHU\
FKLOGUHQPD\KDYHFKLFNHQSR[ZLWKRXWVSRWV
•
&KLFNHQSR[PD\DOVRRFFXULQWKHPRXWKZKLFKFDQFDXVHGLVFRPIRUWDQG
DIIHFW\RXUFKLOG¶VZLOOLQJQHVVWRHDW&ROGLFHEORFNVDQGMHOO\FDQKHOSVRRWKH
WKHPRXWKDQGKHOS\RXUFKLOGVWD\K\GUDWHG
+($/7+
&KLFNHQSR[
•
7U\WRPLQLPLVHVFUDWFKLQJDVPXFKDVSRVVLEOHVRDVWRSUHYHQWIXUWKHU
VSUHDGLQJRUWKHGHYHORSPHQWRIVHFRQGDU\EDFWHULDOLQIHFWLRQV6RPHIDPL
OLHVKDYHWKHLUFKLOGZHDUPLWWHQVRUVRFNVRQWKHLUKDQGVWRKHOSWKHPUH
PHPEHUQRWWRVFUDWFK,IWKHLWFKLQJEHFRPHVXQEHDUDEOH\RXUGRFWRUPD\
SUHVFULEHDQDQWLKLVWDPLQH
•
7UHDWPHQWLVPDLQO\V\PSWRPDWLFFRQVLVWLQJRIUHVWJRRGK\GUDWLRQ
FDODPLQHORWLRQRURWKHUQDWXUDODQWLLWFKORWLRQVGDLO\EDWKVZLWKDKDQGIXORI
ELFDUERQDWHRIVRGDDQGSDUDFHWDPROIRUIHYHU2QFH\RXUFKLOGKDVKDG
FKLFNHQSR[WKH\ZLOOKDYHOLIHORQJLPPXQLW\WRLWDOWKRXJKVRPHPD\KDYHD
SURSHQVLW\WRZDUGV6KLQJOHVODWHULQOLIH
•
'LG\RXNQRZ",Q$XVWUDOLDWKHPRVWSUREDEOHWLPHRI\HDUWRFDWFK
FKLFNHQSR[LVDURXQG&KULVWPDV"
+($/7+ ,PSHWLJR
•
,PSHWLJRFRPPRQO\FDOOHGµVFKRROVRUHV¶LVDKLJKO\FRQWDJLRXVVNLQLQIHFWLRQ
FDXVHGE\EDFWHULDVWDSK\ORFRFFXVRUVWUHSWRFRFFXV7KHUDVKEHJLQVDVVPDOOEDFWHULD
ILOOHGEOLVWHUVZKLFKEXUVWDQGWXUQLQWRKRQH\FRORXUHGVFDEV
•
,PSHWLJRLVDFRPPRQO\WUDQVPLWWHGFKLOGKRRGLQIHFWLRQDQGLVQRWDVLJQRISRRUSDU
HQWLQJ
•
,I\RXVXVSHFWLPSHWLJR\RXUFKLOGVKRXOGEHFKHFNHGE\DGRFWRULPPHGLDWHO\
$OWKRXJKLPSHWLJRLVUDUHO\GDQJHURXVLWLVDQH[WUHPHO\WHQDFLRXVFRQGLWLRQWKDWLVPRVW
HIIHFWLYHO\WUHDWHGDQGFRQWUROOHGZLWKWKHXVHRIDQWLELRWLFFUHDPVDQGPHGLFLQH
•
,PSHWLJRRIWHQEHJLQVQHDUWKHPRXWKDQGQRVHEXWHDVLO\VSUHDGVWRRWKHUSDUWVRI
WKHERG\DVWKHFKLOGVFUDWFKHVWKHLWFK\VRUHV,QIHFWLRQRIWHQORGJHVEHQHDWKWKHFKLOG¶V
ILQJHUQDLOVDQGPD\VSUHDGWRGLIIHUHQWDUHDV
•
.HHSQHZERUQVDZD\IURPWKHLQIHFWLRQDVPXFKDVSRVVLEOHDVWKHLULPPDWXUHLP
PXQHV\VWHPVSXWWKHPDWLQFUHDVHGULVNRIFDWFKLQJLPSHWLJR
•
,QJHQHUDO\RXUFKLOGVKRXOGEHDEOHWRUHWXUQWRGD\FDUHRUSUHVFKRROZLWKLQKRXUV
RIWUHDWPHQWHQVXULQJWKDWWKHVRUHVUHPDLQFRPSOHWHO\FRYHUHGXQWLOKHDOHG
+($/7+
%ORFNHG7HDU'XFW
•
7HDUGXFWVDUHQDUURZWXEHVZKLFKGUDLQWHDUVIURPWKHH\HWRWKHQRVH
6RPHWLPHVWKHVHGXFWVPD\EHEORFNHGRIWHQIURPELUWKVRWKDWIOXLGLVXQDEOHWR
GUDLQDZD\
•
7KHPDLQV\PSWRPVDUHD\HOORZ\GLVFKDUJHZKLFKFROOHFWVLQWKHFRUQHURIWKH
H\HDORQJZLWKSHUVLVWHQWZDWHULQJRIWKHH\H
•
,IWKHH\HDSSHDUVWREHFRPHPRUHVHULRXVO\LQIHFWHGVHH\RXUGRFWRU
LPPHGLDWHO\
•
.HHSWKHH\HFOHDQDQGWU\QRWWRZRUU\$SSUR[LPDWHO\LQEDELHVDUH
ERUQZLWKWHDUGXFWEORFNDJHV
+($/7+ •
,PSHWLJR
7KHLQFXEDWLRQSHULRGLVURXJKO\±GD\VZLWKVRUHVUHPDLQLQJLQIHFWLRXVDV
ORQJDVWKH\DUHZHHSLQJ,QJHQHUDOLPSHWLJRFHDVHVWREHLQIHFWLRXVDERXW
KRXUVDIWHUDQWLELRWLFWUHDWPHQWKDVEHJXQ&RQWLQXHPHGLFDOWUHDWPHQWXQWLODOO
VRUHVDUHKHDOHG
•
7UHDWPHQWLQYROYHVPHWLFXORXVK\JLHQHEDWKLQJDQGZLSLQJDZD\WKHFUXVWV
ZLWKGLVSRVDEOHZLSHVDQGVZDEV5HPRYDORIWKHFUXVWVLVH[WUHPHO\LPSRUWDQW
7U\WRSUHYHQW\RXUFKLOGIURPVFUDWFKLQJWKHDIIHFWHGDUHDVFRYHUWKHVRUHVZLWK
ZDWHUWLJKWGUHVVLQJVDQGFXW\RXUFKLOG¶VILQJHUQDLOV:DVK\RXUKDQGVEHIRUHDQG
DIWHUFKDQJLQJGUHVVLQJV
•
:DVK\RXUFKLOG¶VFORWKHVWRZHOVWR\VDQGOLQHQVHSDUDWHO\IURPWKH
UHVWRIWKHIDPLO\
•
$VRRWKLQJQDWXUDOZDVKIRULPSHWLJRFDQEHPDGHE\SODFLQJGURSVRI
7HD7UHHRLODQGGURSVRI/DYHQGHURLOLQWRDERZORIZDUPZDWHU<RXPD\
DOVROLNHWRFRQVXOW\RXUORFDOQDWXURSDWKIRUQDWXUDOUHPHGLHVWRHQKDQFHDQG
SURPRWHQDWXUDOKHDOLQJ
+($/7+
•
•
%ORFNHG7HDU'XFW
2QFH\RXDUHVXUHWKHH\HLVQRWLQIHFWHGLWFDQEHKHOSIXOWRJHQWO\
PDVVDJHWKHVNLQMXVWEHORZWKHLQQHUFRUQHURIWKHH\H
0DNHVXUH\RXUKDQGVDUHZDVKHGEHIRUHDQGDIWHUDQGUHSHDWWKH
PDVVDJHWKUHHWLPHVDGD\XQWLOWKHEDE\¶VH\HEHFRPHVOHVVZDWHU\
7KLVPD\HQDEOHWKHWHDUGXFWWRRSHQZLWKLQDZHHNRUWZR
,IWKHWHDUGXFWUHPDLQVEORFNHG\RXUGRFWRUPD\UHIHU\RXWRD
VSHFLDOLVWZKRFDQFOHDUWKHREVWUXFWLRQXQGHUJHQHUDODQDHV
WKHWLFZLWKWKHXVHRIDWKLQPHWDOSUREH
+($/7+&RQMXQFWLYLWLV
•
&RQMXQFWLYLWLVLVXVXDOO\FDXVHGE\DYLUDOLQIHFWLRQLQROGHUFKLOGUHQRUD
EDFWHULDOLQIHFWLRQIURPWKHELUWKFDQDOLQQHZERUQV,WLVHDVLO\VSUHDGE\
KDQGWRH\HFRQWDFWDQGDOWKRXJKUDUHO\VHULRXVLWLVKLJKO\FRQWDJLRXV
•
$OOHUJLFFRQMXQFWLYLWLVFDQRFFXUDVDUHVXOWRIKD\IHYHURUDOOHUJLHVWRGXVW
DQGSROOHQ,QUDUHFDVHVFRQMXQFWLYLWLVFDQUHVXOWIURPDPRWKHUZLWK
JRQRUUKRHDJHQLWDOKHUSHVRUDFKODP\GLDOLQIHFWLRQ
•
,WLVDGYLVDEOHWRFRQVXOW\RXUGRFWRULI\RXVXVSHFWFRQMXQFWLYLWLV
%DFWHULDOLQIHFWLRQVFDQEHWUHDWHGZLWKDQWLELRWLFFUHDPVRUDQWLLQIODPPDWRU\
H\HGURSVZKHUHDVYLUDOLQIHFWLRQVJHQHUDOO\FOHDUXSZLWKRXWIRUPDO
WUHDWPHQWZLWKLQDZHHN
+($/7+ (\HSUREOHPV²6W\HV
•
$VW\HLVWKHUHVXOWRIDEDFWHULDOLQIHFWLRQZKLFKXVXDOO\DSSHDUVDVDQ
LQIODPHGVZHOOLQJRIWKHORZHUH\HOLG
•
$OWKRXJKVW\HVFDQEHSDVVHGIURPRQHH\HWRWKHRWKHUWKH\DUHQRWWKDWKLJKO\
FRQWDJLRXV
•
6W\HVFDQJHQHUDOO\EHWUHDWHGDWKRPHE\DSSO\LQJDZDUPFORWKWRWKHDUHD
ZKLFKLVHVSHFLDOO\KHOSIXOLIWKHLQIODPPDWLRQLVDFFRPSDQLHGE\SXV:DVK
DZD\DVRIWHQDVQHFHVVDU\:DVKKDQGVEHIRUHDQGDIWHUVRRWKLQJWKHH\H
,IVW\HVWHQGWRUHRFFXULQ\RXUFKLOGVHH\RXUGRFWRUZKRPD\SUHVFULEHDQ
DQWLELRWLFFUHDPRUH\HGURSV
•
.HHS\RXUFKLOG¶VIDFHFORWKDQGWRZHOVHSDUDWHIURPWKHUHVWRIWKHIDPLO\WR
DYRLGVSUHDGLQJLQIHFWLRQ
+($/7+
&RQMXQFWLYLWLV
•
6\PSWRPVFDQLQFOXGHUHGQHVVRIWKHZKLWHRIWKHH\HDQGLQVLGHRIWKH
H\HOLGVZROOHQLWFK\H\HOLGVSHUVLVWHQWWKLFNRUZDWHU\\HOORZGLVFKDUJH
DQGFUXVWVRIGLVFKDUJHWKDWGU\RXWGXULQJVOHHS
•
<RXFDQKHOSE\EDWKLQJWKHH\HDQGH\HODVKHVZLWKFRWWRQZRROVRDNHGLQ
FRROHGERLOHGZDWHU8VHDFOHDQSLHFHIRUHDFKZLSHRIWKHH\HV+DQGV
VKRXOGEHZDVKHGEHIRUHDQGDIWHUWRXFKLQJWKHDIIHFWHGDUHDVDQGZDVK
FORWKVDQGWRZHOVNHSWVHSDUDWHO\IURPWKHUHVWRIWKHIDPLO\
+($/7+(\HSUREOHPV²6W\HV
7UHDWPHQWVIRUVW\HVWKDWJUDQGFDUHUVKDYHXVHGZLWKVXFFHVV±WKHVHPD\MXVWEH³2OG:LYHVWDOHV´
EXWDQXPEHURIJUDQGPRWKHUVVZHDUE\WKHPHVSHFLDOO\WKHJROGWLQJ
&KDPRPLOH(\HZDVK
&KDPRPLOHLVDQDWXUDODQWLLQIODPPDWRU\ZKLFKZLOOHDVHWKHVRUHQHVV0DNHDFXSRISXUHFKDPRPLOHWHDDQG
DOORZLWWRFRRO6RDNVRPHFRWWRQZRROLQWKHOLTXLGDQGDSSO\WRWKHH\HOLGLQDZLSLQJPRWLRQ'RQRWXVHWKHVDPH
DUHDRIWKHFRWWRQZRROPRUHWKDQRQFH$IWHUWKLVSODFHDIUHVKO\VRDNHGFRWWRQEDOORYHUWKHH\HDQGUHVWIRUILYH
PLQXWHV5HSHDWWKUHHWLPHVDGD\XQWLOWKHLQIODPPDWLRQKDVKHDOHG
2OGIDVKLRQHGSRWDWRUHPHG\
6RPHSHRSOHVZHDUE\WKLVROGUHPHG\6FUDSH±WEVSRXWRIDFOHDQO\ZDVKHGSRWDWRSXWLQWRDFOHDQ
KDQGNHUFKLHIDQGSODFHRYHU\RXUFKLOG¶VH\H$IWHUDZKLOHUHPRYHLWDQGZDVKWKHH\HZLWKZDUPZDWHU
,W¶VVDLGWKDWLI\RXFDWFKWKHVRUHH\HHDUO\WKLVZRUNVZRQGHUV
7KHFODVVLFJROGULQJDSSURDFK
7KLVLVDZD\RIGHDOLQJZLWKPLOGVW\HVSDVVHGWKURXJKJHQHUDWLRQV5XEDSXUHJROGULQJRQDWRZHORUVRPHRWKHU
PDWHULDOXQWLOLWEHFRPHVZDUPDQGWKHQUXELWLQDVZHHSLQJGLUHFWLRQEDFNDQGIRUWKDFURVVWKHVW\H
)RUVRPHUHDVRQPDQ\VW\HVWUHDWHGLQWKLVZD\GLVDSSHDUOLNHPDJLF
+($/7+(DU3UREOHPV
•
(DUDFKHLVWKHPDLQV\PSWRPRIPLGGOHHDULQIODPPDWLRQNQRZQDVRWLWLV
PHGLD,WRIWHQDFFRPSDQLHVDFROGDQGLVFRPPRQLQFKLOGUHQXQGHU
WKHDJHRIHLJKW\HDUV,WLVWKHUHVXOWRIDQLQIHFWLRQZKLFKVSUHDGVIURP
WKHQDUURZFDQDOFRQQHFWLQJWKHPLGGOHHDUWRWKHWKURDW7KHLQIHFWLRQ
SURGXFHVIOXLGZKLFKEORFNVWKH(XVWDFKLDQWXEHFDXVLQJSDLQ
•
,WPD\EHQHFHVVDU\WRWDNH\RXUFKLOGWRWKHGRFWRULI\RXDUHFRQFHUQHG
DERXWLWRULIWKHHDUDFKHGRHVQ¶WHDVH6HYHUHRUIUHTXHQWHDUDFKHV
PD\UHTXLUHDQWLELRWLFPHGLFDWLRQ,QJHQHUDOKRZHYHUHDUDFKHUH
VSRQGVZHOOWRKRPHWUHDWPHQWPHWKRGVDQGRIWHQHDVHVRILWVRZQDFFRUG
•
$VN\RXUSKDUPDFLVWRUGRFWRUDERXWHDUGURSVWKHUHDUHKHUEDOGURSV
DYDLODEOHDVZHOO&RPIRUW\RXUFKLOGE\ZUDSSLQJXSDKRWZDWHUERWWOH
DQGSODFLQJRYHUWKHDIIHFWHGHDU/D\\RXUFKLOGZLWKWKHVRUHHDUGRZQ
ZKLFKZLOOKHOSWKHHDUGUDLQRIIOXLG
+($/7+
'LDUUKRHD
•
'LDUUKRHDLVDVLJQRILUULWDWLRQLQWKHLQWHVWLQHVDQGLVFKDUDFWHULVHGE\
ORRVHZDWHU\ERZHOPRYHPHQWVDQGWKHQHHGWRJRWRWKHWRLOHWPRUHRI
WHQ
•
7KHUHDUHQXPHURXVFDXVHVRIGLDUUKRHDVXFKDVIRRGLQWROHUDQFHVRU
SRLVRQLQJSDUDVLWLFLQIHFWLRQVOLNHJLDUGLDVLVDQGSUREOHPVZLWKPHGLFDWLRQVHVS
DQWLELRWLFVEXWWKHPRVWFRPPRQFDXVHLVJHQHUDOO\VRPHIRUPRI
JDVWURHQWHULWLV'LDUUKRHDFDQDOVRRFFXUZKHQQHZIRRGVDUHLQWURGXFHGLQWRWKH
GLHWRULIWRRPXFKIUXLWMXLFHLVFRQVXPHG
•
,WLVDOZD\VLPSRUWDQWWRFORVHO\PRQLWRUHSLVRGHVRIGLDUUKRHDLQED
ELHVDQG\RXQJFKLOGUHQGXHWRWKHSRVVLELOLW\RIGHK\GUDWLRQ
'HK\GUDWLRQFDQEHVHULRXVLQ\RXQJFKLOGUHQHVSEDELHVDQGFDQKDSSHQ
TXLFNO\
•
%DELHVXQGHUVL[PRQWKVZLWKGLDUUKRHDVKRXOGVHHDGRFWRULPPHGL
DWHO\/LNHZLVHLI\RXUEDE\LVXQGHURQH\HDUDQGKDVGLDUUKRHDIRUPRUH
WKDQKRXUVVHHNPHGLFDODGYLFHDVVRRQDVSRVVLEOH
+($/7+
(DU3UREOHPV
,QIODPPDWLRQRIWKHRXWHUHDULVDQRWKHUFRPPRQFKLOGKRRGFRQGLWLRQFDXVHGE\
EDFWHULDGHUPDWLWLVRUDWRSLFHF]HPD:LWKWKLVFRQGLWLRQWKHUHLVDYLVLEOHGLVFKDUJH
HYLGHQWLQWKHRXWHUHDUFDQDO,WFDQEHWHPSWLQJWRFOHDQWKLVDZD\EXWLISRVVLEOH
OHDYHLWIRU\RXUGRFWRUWRH[DPLQH<RXFDQKHOSHDVH\RXUFKLOG¶VGLVFRPIRUWE\XVLQJ
SDUDFHWDPROIRUSDLQDQGDZUDSSHGKRWZDWHUERWWOHDJDLQVWWKHHDU$YRLGJHWWLQJ
WKHHDUZHWXQWLOLWKDVKHDOHG
*OXHHDULVDORQJWHUPFRQGLWLRQZKLFKRFFXUVDVDUHVXOWRIUHFXUUHQWPLGGOH
HDULQIHFWLRQVDQGLVFKDUDFWHULVHGE\WKLFNJOXHOLNHVHFUHWLRQVLQWKHHDU,WPD\
DOVREHDFFRPSDQLHGE\DFROGRUWKURDWLQIHFWLRQ
*OXHHDULVQRWXVXDOO\SDLQIXODQGWKHUHIRUHFDQOLQJHURQXQGHWHFWHGIRUDORQJ
WLPH2IWHQLWFDQDIIHFWKHDULQJWKRXJKDQGWKLVPD\EHZKHQLWILUVWEHFRPHV
DSSDUHQW6RPHWLPHVJOXHHDUFOHDUVRQLWVRZQZKLOHLQVRPHFDVHVDFRXUVHRIDQWL
ELRWLFPHGLFDWLRQLVUHTXLUHG,QORQJWHUPPRUHVHULRXVFDVHVVPDOOYHQWLODWLRQ
WXEHVFDOOHG³JURPPHWV´PD\EHLQVHUWHGLQWR\RXUFKLOG¶VHDUGXULQJDEULHI
RSHUDWLRQ
+($/7+
'LDUUKRHD
2WKHURFFDVLRQVWKDWZDUUDQWLPPHGLDWHPHGLFDODWWHQWLRQDUHLI\RXUFKLOGKDVUHSHDWHGYRPLWLQJ
RUWXPP\SDLQDKLJKIHYHUJUHHQVPHOO\IDHFHVRUFRQWDLQLQJEORRGLIWKH\UHIXVHIRRGRUDUH
XQDEOHWRNHHSWKHLUIOXLGLQWDNHXS:LWKEDELHVFKHFNZKHWKHUWKHLUIRQWDQHOOHVDUHVXQNHQRU
GHSUHVVHGDVWKLVFDQLQGLFDWHGHK\GUDWLRQ2WKHUVLJQVRIGHK\GUDWLRQDUHVPDOODPRXQWVRIGDUN
FRORXUHGXULQHDQGWKLUVW
7KHPRVWLPSRUWDQWWKLQJWRUHPHPEHUDERXWGLDUUKRHDLVWKDWLWLVFULWLFDO\RXUFKLOGVWD\V
GHK\GUDWHG2IIHUSOHQW\RIOLTXLGVVXFKDVZDWHUZLWKVXSHUGLOXWHGDSSOHMXLFH2UDOUHK\GUDWLQJ
IOXLGVVXFKDV*DVWURO\WHPD\EHSXUFKDVHGDW\RXUSKDUPDF\DQGPD\EHPRUHSDODWDEOHLQ
WKHLFHEORFNIRUP
,IGLDUUKRHDLVDFFRPSDQLHGE\QDXVHDRUYRPLWLQJHQFRXUDJH\RXUFKLOGWRWDNHVPDOOEXWIUH
TXHQWVLSVWKURXJKDVWUDZ:LWKERWWOHIHGEDELHV\RXPD\FKRRVHWRRIIHUKDOIVWUHQJWKPLON
IHHGVIRUDVKRUWZKLOHXQWLOWKHUHDUHVLJQVRILPSURYHPHQW
+($/7+
'LDUUKRHD
)RUEDELHVDQGFKLOGUHQRQVROLGIRRGVRIIHUVRIWFRPSOH[FDUERK\GUDWHVVXFK
DVEDQDQDVULFHPDVKHGSRWDWRRUZKROHPHDOWRDVWDQGH[FOXGHRWKHUIRRGVXQWLO
WKHGLDUUKRHDKDVVWRSSHG
0RVWPLOGIRUPVRIGLDUUKRHDFOHDUZLWKLQDFRXSOHRIGD\V7KHV\PSWRPVRI
GLDUUKRHDXVXDOO\FOHDUZKHQWKHORVWIOXLGVDQGVDOWDUHUHSODFHG,IPLOGFDVHVRI
GLDUUKRHDGRQ¶WFOHDUZLWKLQGD\VFRQVXOW\RXUGRFWRU,QVHYHUHFDVHVRIGLDU
UKRHD
,9IOXLGVPD\EHQHFHVVDU\
'LDUUKRHDFDQEHTXLWHLQIHFWLRXVDQGZDUUDQWVVFUXSXORXVK\JLHQH.HHS
FKLOGUHQKRPHIURPFKLOGFDUHXQWLOKRXUVDIWHUWKHODVWERXWRIGLDUUKRHD
3HUVLVWHQWGLDUUKRHDFDQFDXVHUDZVRUHVNLQRQEDE\¶VERWWRPZKLFKPD\EH
VRRWKHGZLWK]LQFSDZSDZRUFDOHQGXODEDOP&KHFNZLWK\RXUSKDUPDFLVWUHJDUG
LQJRYHUWKHFRXQWHUFUHDPV<RXPD\DOVROLNHWRWDONWR\RXUSKDUPDFLVWRUQDWXUR
SDWKDERXWWKHXVHRIDSURELRWLFVXSSOHPHQWZKLFKZLOOKHOSUHVWRUHWKHEHQHILFLDO
EDFWHULDUHTXLUHGIRUJRRGGLJHVWLYHKHDOWK
+($/7+
&RQVWLSDWLRQ
&RQVWLSDWLRQLVZKHQFKLOGUHQKDYHDKDUGSRRERZHOPRYHPHQWWKDWLV
GLIILFXOWRUXQFRPIRUWDEOHWRSDVV,WLVDYHU\FRPPRQUDUHO\VHULRXVSUREOHP
LQ\RXQJFKLOGUHQHVSHFLDOO\DURXQGWKHWLPHRIWRLOHWWUDLQLQJ,QJHQHUDOEUHDVWIHG
EDELHVPD\RIWHQJRGD\VZLWKRXWDERZHOPRYHPHQWRUFRQYHUVHO\WKH\
PD\JRDIWHUHYHU\IHHGZKHUHDVERWWOHIHGEDELHVPD\JRRQFHHYHU\±GD\V
DWWLPHV,I\RXUFKLOGRQO\KDVDSRRRQFHRUWZLFHDZHHNKRZHYHUWKHUHLVXVXDOO\
QRFDXVHIRUFRQFHUQXQOHVVWKH\VKRZGLVFRPIRUWRULIWKHLUSRRVDSSHDUWRRKDUG
7KHUHDUHVHYHUDOWKLQJVWKDWPD\FDXVH\RXUFKLOGWREHFRPHFRQVWLSDWHG
2IWHQ\RXQJFKLOGUHQLJQRUHWKHXUJHWRSRREHFDXVHWKH\DUHWRREXV\RUKDYHKDG
DSDLQIXOERZHOPRYHPHQWSUHYLRXVO\DQGFDQµKDQJRQWRRORQJ¶FDXVLQJWKHSRRWR
KDUGHQDQGWKXVEHFRPHPRUHXQFRPIRUWDEOH6RPHWLPHVLWFDQRFFXUGXHWRD
FKDQJHLQHQYLURQPHQWVXFKDVDWSUHVFKRROZKHUHWKH\PD\ILQGWKHUHLVQ¶W
HQRXJKSULYDF\RUWKHULJKWDWPRVSKHUH2IWHQFRQVWLSDWLRQFDQRFFXUZKHQDFKLOG
GRHVQ¶WGULQNHQRXJKVXFKDVRQKRWGD\VRUZKHQWKH\KDYHDQLOOQHVVDQGIHYHU
ZKLFKFDXVHVWKHPWRHDWGULQNOHVVDQGEHFRPHGHK\GUDWHG
+($/7+&RQVWLSDWLRQ
•
<RXPD\QRWLFH\RXUFKLOGLVFRQVWLSDWHGLI\RXUEDE\¶VSRRVDUHOLNHVPDOO
GU\SHOOHWV\RXUFKLOGFRPSODLQVRIWXPP\SDLQVDURXQGWKHEHOO\EXWWRQDQGKDV
DSRRUDSSHWLWHDQGFUDQNLQHVV\RXUFKLOGDYRLGVXVLQJWKHSRWW\RUWRLOHWRU
VWDUWVWRVRLOKHUSDQWV6RPHLQIDQWVZKRGULQNVHYHUDOERWWOHVRIFRZ¶VPLOND
GD\PD\H[SHULHQFHFRQVWLSDWLRQ
•
<RXFDQKHOS\RXUFKLOGDYRLGFRQVWLSDWLRQE\HVWDEOLVKLQJDUHJXODUWRLOHW
WLPHVRWKDWWKH\GHYHORSJRRGERZHOKDELWV5HPDLQDVFDOPDQGIOH[LEOHDERXW
WKLVDV\RXFDQVRWKDW\RXUFKLOGGRHVQ¶WIHHOSUHVVXUHGDQGVHWDVLGHVRPH
TXLHWXQGLVWXUEHGWRLOHWWLPHHDFKGD\$LPIRUFRQVLVWHQF\VXFKDVHQFRXUDJLQJ
\RXUFKLOGWRJRWRWKHWRLOHWDIWHUPHDOV7U\DQGKHOS\RXUFKLOGUHQWXQHLQWR
WKHLUXUJHVWRSRR3UDLVHWKHLUHIIRUWVZLWKSRVLWLYHIHHGEDFNVPDOOWUHDWVRUVWDU
FKDUWV
•
%DELHVRYHUVL[PRQWKVFDQKDYHVWUDLQHGVWHZHGSUXQHVDSULFRWVRUNLZLIUXLW
±DOORIZKLFKKDYHDJHQWOHQDWXUDOOD[DWLYHDFWLRQ3UXQHMXLFHFDQEHIUR]HQ
LQWRLF\SROHVRUJLYHQDVDGULQNZLWKRQHSDUWMXLFHWRWKUHHSDUWVZDWHU
+($/7+&RQVWLSDWLRQ
•
'LHWVZKLFKDUHORZLQILEUHDQGIOXLGVDUHDFRPPRQFDXVHRIFRQVWLSD
WLRQ$YRLGUHILQHGIRRGVVXFKDVZKLWHEUHDGVXJDUVHWFDQGIULHGIRRGV
,QVWHDGHQVXUH\RXUFKLOG¶VGLHWFRQWDLQVSOHQW\RIHQHUJ\SURGXFLQJDQGILEUH
ULFKIRRGVZKLFKPD\LQFOXGHDWOHDVWIUXLWVSGD\LQFOVNLQVLIDSSURSULDWH
IRULQFUHDVHGILEUHDWOHDVWYHJHWDEOHVSGD\DQGSOHQW\RIOHJXPHVDQG
SXOVHVVXFKDVEDNHGEHDQVOHQWLOVRXSSHDKDPVRXSOHQWLOEXUJHUV
EXUULWRV8VHOHVVSURFHVVHGFHUHDOVVXFKDVVKUHGGHGZKHDWDQGRDWVDQG
IDYRXUZKROHPHDORUU\HEUHDGVZKHUHYHUSRVVLEOH,QFUHDVH\RXUFKLOG¶VIOXLG
LQWDNHDQGJHWWKHPWRWDNHVLSVDVIUHTXHQWO\DV\RXFDQ
•
%UDQLVQRWUHFRPPHQGHGIRULQIDQWVDQGWRGGOHUVDVLWLVWRRDEUDVLYHIRU
VPDOOGLJHVWLYHV\VWHPVDQGPD\LQWHUIHUHZLWKWKHDEVRUSWLRQRIPLQHUDOV
VXFKDVLURQDQG]LQF1HYHUXVHOD[DWLYHVIRU\RXQJFKLOGUHQXQOHVVDGYLVHGE\
\RXUGRFWRU
•
%DELHVZLWKFRQVWLSDWLRQPD\EHQHILWIURPDFORFNZLVHWXPP\PDV
VDJHDQGSOHQW\RIVRRWKLQJZDUPEDWKV
+($/7+7KUHDGZRUPV
•
7KUHDGZRUPVRUSLQZRUPVDUHH[WUHPHO\FRPPRQLQ$XVWUDOLDDQGDUH
KLJKO\FRQWDJLRXV7KH\DUHSULPDULO\WUDQVPLWWHGE\DQGVKDUHGEHWZHHQFKLOGUHQ
±E\VXFNLQJRQFRQWDPLQDWHGREMHFWVRUIRRG±EXWFDQDOVRVSUHDGWRDGXOWV7KH\
FDQQRWEHFDXJKWIURPKRXVHKROGSHWV
•
$IWHUWKHPLFURVFRSLFHJJVKDYHEHHQLQJHVWHGWKH\KDWFKLQWKHLQWHVWLQHDQGPD
WXUHLQWRDGXOWVLQ±GD\V2QFHPDWXUHWKHIHPDOHWKUHDGZRUPVFRPHRXWDW
QLJKWDQGOD\DVPDQ\DVHJJVDURXQGWKHDQXV7KH\OLYHLQODUJHQXPEHUVLQ
WKHORZHUERZHO
•
7KUHDGZRUPVDUHHVVHQWLDOO\KDUPOHVVEXWFDQFDXVHXQSOHDVDQWV\PSWRPVDQG
GLVFRPIRUW7KHPDLQV\PSWRPVLQFOXGHLQWHQVHLUULWDWLRQDQDOLQIODPPDWLRQDQG
LWFKLQHVVDURXQGWKHERWWRPZKLFKFDQDIIHFWWKHFKLOG¶VVOHHSDVWKHZRUPVDUH
DFWLYHDWQLJKWDQGDQLWFK\YXOYDDQGGLVFKDUJHLQJLUOV$WWLPHVWKHVPDOOZKLWH
ZRUPVUHVHPEOLQJWLQ\WKUHDGVRIFRWWRQFDQEHVHHQZULJJOLQJLQWKHFKLOG¶VIDHFHV
7KHUHPD\DOVREHSDLQZKHQXULQDWLQJDQGDJHQHUDOORVVRIDSSHWLWHRUDIHHOLQJRI
µEHLQJRXWRIVRUWV¶:RUPVGRQRWXVXDOO\FDXVHWXPP\SDLQV
+($/7+7KUHDGZRUPV
•
$VWLFN\WDSHWHVWPD\FRQILUPZKHWKHU\RXUFKLOGKDVZRUPV$SSO\D
VPDOOSLHFHRIVWLFN\WDSHWR\RXUFKLOG¶VDQXVILUVWWKLQJLQWKHPRUQLQJEHIRUH
WKH\ZDVKRUJRWRWKHWRLOHW7KHSUHVHQFHDQGW\SHRIZRUPFDQWKHQEHFRQ
ILUPHGE\\RXUGRFWRUZKRZLOODGYLVH\RXDERXWWUHDWPHQWRSWLRQV
•
7KHWUHDWPHQWIRUWKUHDGZRUPVLVVDIHHIIHFWLYHDQGH[WUHPHO\QHFHV
VDU\DVZRUPVZLOOQRWJRDZD\RQWKHLURZQ7KHUHDUHDQXPEHURIRYHUWKH
FRXQWHUSKDUPDFHXWLFDODQWLZRUPPHGLFDWLRQVDYDLODEOHLQ$XVWUDOLDVXFKDV
&RPEDQWULPDQG9HUPR[DVZHOODVSUHVFULSWLRQPHGLFDWLRQV
•
$VLQJOHGRVHWDNHVGD\VWRNLOODOOWKHZRUPVLQWKHJXWDQGLVXVXDOO\UH
SHDWHGWZRZHHNVODWHU&RQVXOW\RXUSKDUPDFLVWRUGRFWRUIRUVSHFLILFWUHDW
PHQWSURWRFROV
•
5HLQIHFWLRQLVHDV\DVWKHHJJVFDQORGJHXQGHUDFKLOG¶VILQJHUQDLOVDQG
VSUHDGE\IXUWKHULWFKLQJ
+($/7+7KUHDGZRUPV
7KHPRVWHIIHFWLYHZD\VWRSUHYHQWSDUDVLWLFUHLQIHFWLRQDUH
*RRGSHUVRQDOK\JLHQHEDWKLQJGDLO\ZDVKLQJKDQGVEHIRUHPHDOVDQGDIWHUWRLOHWLQJ
DQGFOLSSLQJFKLOGUHQ¶VQDLOVVKRUWFKDQJHEHGOLQHQDQGWRZHOVUHJXODUO\GLVLQIHFWWKH
WRLOHWVHDWIRUDZHHNDIWHUWUHDWPHQWDQGHQVXUHFKLOGUHQZHDUXQGHUSDQWVDQG
S\MDPDVWREHG7KHHJJVFDQOLYHRQFORWKLQJDQGEHGOLQHQVRZDVKWKHVHLWHPV
KLJKWHPSHUDWXUHVWRSUHYHQWUHLQIHFWLRQ
•
7KHLWFKLQJDQGLUULWDWLRQPD\FRQWLQXHHYHQDIWHUWKHLQIHVWDWLRQKDVEHHQ
WUHDWHG=LQFRUPLOGDQWLVHSWLFFUHDPVPD\KHOSWRHDVHWKLV&DOHQGXODEDOPPD\
DOVREHXVHGIRULWVVRRWKLQJDQGDQWLLQIODPPDWRU\SURSHUWLHV±DQGPD\EHDYDLODEOH
IURP\RXUORFDOQDWXURSDWKRUSKDUPDFLVW
•
+($/7+ *LDUGLDVLV
•
*LDUGLDVLVLVDQLQIHFWLRQRIWKHORZHULQWHVWLQHFDXVHGE\DSURWR]RDQRUJDQLVP
PRVWXVXDOO\*LDUGLD/DPEOLDSUHVHQWLQFRQWDPLQDWHGZDWHURUIRRG,WLVIRXQG
WKURXJKRXWWKHZRUOGLQERWKWURSLFDODQGWHPSHUDWHFOLPDWHVDQGRYHUWKHSDVW
\HDUVKDVEHFRPHWKHPRVWFRPPRQLQIHFWLRQWUDQVPLWWHGYLDZDWHULQWKHZRUOG
•
*LDUGLDVLVFDQDIIHFWDQ\RQHEXWLVPRVWFRPPRQO\IRXQGLQWRGGOHUVDQG
SUHVFKRROHUV7KRVHZKRDUHQRW\HWWRLOHWWUDLQHGDQGZKRDUHDURXQGRWKHULQIDQWV
HVSLQFKLOGFDUHVHWWLQJVDUHPRVWDWULVNRIFDWFKLQJDQGSDVVLQJWKHLQIHFWLRQ
,WLVVSUHDGE\FRQWDFWZLWKWKHIDHFHVRILQIHFWHGSHRSOHDQGFRQWDPLQDWHGREMHFWV
•
6\PSWRPVRFFXU±GD\VDIWHUH[SRVXUHWRWKHSDUDVLWHDQGDOWKRXJK
WZRWKLUGVRIDOOFKLOGUHQGRQRWH[SHULHQFHDQ\V\PSWRPVDWDOOWKH\FDQVWLOOFDUU\
DQGSDVVWKHFRQGLWLRQWRRWKHUV
•
6\PSWRPVPD\LQFOXGHVWRPDFKFUDPSVDQGSDLQVHYHUHGLDUUKRHDDFFRPSDQLHG
E\ZLQGSDOHXQSOHDVDQWVPHOOLQJSRRVZKLFKIORDWQDXVHDDQGYRPLWLQJVZROOHQ
DEGRPHQIUHTXHQWEXUSLQJDQGDORVVRIDSSHWLWH
+($/7+
*LDUGLDVLV
•
$OWKRXJKPRVWFDVHVRIJLDUGLDVLVDUHPLOGDQGRIWHQVHWWOHZLWKRXWWUHDWPHQWLWFDQ
EHDSHUVLVWHQWFRQGLWLRQDQGLIOHIWXQWUHDWHGPD\FDXVHWKHVXIIHUHUWRUHPDLQLQIHF
WLRXVIRUPDQ\ZHHNV7KHSDUDVLWHVFOLQJLQODUJHQXPEHUVWRWKHOLQLQJRIWKHVPDOOLQ
WHVWLQHLQWHUIHULQJZLWKWKHDEVRUSWLRQRIWKHQXWULHQWVLQIRRGFDXVLQJFRQWLQXHGGLV
FRPIRUW
•
,I\RXUFKLOGH[SHULHQFHVGLDUUKRHDIRUPRUHWKDQWZRZHHNVRULQDVHYHUHIRUP
IRURYHUKRXUVLWLVDGYLVDEOHWRVHHDGRFWRUZKRPD\WDNHDVDPSOHDQGWHVWIRU
JLDUGLDVLV7KHSUHVHQFHRIJLDUGLDVLVPD\QRWVKRZXSXQWLODWOHDVWWKUHHVDPSOHVKDYH
EHHQFROOHFWHG,QRIFDVHVWKHILUVWWHVWIRUWKHLQIHFWLRQFRPHVEDFNQHJDWLYH$Q
DQWLSDUDVLWLFPHGLFDWLRQPD\EHQHFHVVDU\RU\RXPD\SUHIHUWRFRQVXOWDQDWXURSDWK
DQGWU\DQDJHDSSURSULDWHKHUEDOWLQFWXUH
•
,WLVHVVHQWLDOWKDW\RXUFKLOGVWD\VDGHTXDWHO\K\GUDWHGWRSUHYHQWWKHORVVRI
IOXLGVFDXVHGE\GLDUUKRHD2UDOUHK\GUDWLQJIOXLGVVXFKDV*DVWURO\WHFDQEHXVHG
DQGPD\EHPRUHSDODWDEOHIRU\RXQJFKLOGUHQLQDQLFHEORFNIRUP$OWHUQDWHO\RIIHUIUH
TXHQWVLSVRIXQVZHHWHQHGGLOXWHGIUXLWMXLFHVDQGZDWHU$SSOHMXLFHLVLGHDOHVSHFLDOO\LI
IUHVKO\MXLFHGRURUJDQLF
+($/7+
*LDUGLDVLV
•
&KLOGUHQZLWKGLDUUKRHDVKRXOGEHNHSWDZD\IURPFKLOGFDUHXQWLODWOHDVWKRXUV
DIWHUWKHGLDUUKRHDKDVVWRSSHG,ISRVVLEOHNHHSFKLOGUHQLQQDSSLHVVHSDUDWHIURPWKRVH
ZKRDUHWRLOHWWUDLQHGWROHVVHQWKHOLNHOLKRRGRIWKHVSUHDGRILQIHFWLRQ$OVRDYRLG
VZLPPLQJIRUZHHNVDVJLDUGLDVLVFDQSHUVLVWDQGSDVVHDVLO\LQWRWKH
ZDWHU
•
<RXFDQKHOSSUHYHQWUHLQIHFWLRQRULQLWLDOLQIHFWLRQE\VFUXSXORXVKDQGZDVKLQJEHIRUH
PHDOVDIWHUWRLOHWLQJDQGPHDOSUHSDUDWLRQ$YRLGGULQNLQJZDWHUIURPULYHUVODNHVDQG
FUHHNV,IXQVDIHZDWHULVVXVSHFWHGERLOZDWHUIRURQHPLQXWHDQGFRROEHIRUHGULQNLQJRU
ZDVKLQJIUXLW8VHVHSDUDWHWRZHOVOLQHQDQGHDWLQJXWHQVLOVIRUHDFKIDPLO\PHPEHU
•
+HUEDOZRUPZRRGWHDLVUHSRUWHGDVEHLQJHVSHFLDOO\HIIHFWLYHDJDLQVWJLDUGLDVLV
+($/7+
&ROGV
•
7KHFROGLVRQHRIWKHPRVWFRPPRQLQIHFWLRQVRIWKHQRVHDQGWKURDWDQGFDQ
EHFDXVHGE\PRUHWKDQGLIIHUHQWYLUXVHV'XHWRWKHVKHHUQXPEHURIYL
UXVHVLWLVLPSRVVLEOHWRLPPXQLVHDJDLQVWWKHFROGDQGVLQFHLWLVDYLUXVLWGRHVQRW
UHVSRQGWRDQWLELRWLFV
•
&ROGVDUHSDVVHGEHWZHHQSHRSOHHLWKHUE\EUHDWKLQJLQDLUERUQHGURSOHWVIURPFRXJKV
DQGVQHH]HVEXWDUHPRVWFRPPRQO\VSUHDGE\SLFNLQJXSJHUPVRQWKHKDQGVZKLFK
WUDQVIHUWKHLQIHFWLRQWRWKHQRVHDQGPRXWK7KHPRVWFRQWDJLRXVSHULRGLV±GD\V
DIWHUDFROGVWDUWV
•
,WLVHVWLPDWHGWKDWEDELHVFDQKDYHEHWZHHQFROGVSHU\HDUGHSHQGLQJ
RQWKHLUH[SRVXUHWRWKHPZKLOHSUHVFKRROHUVFDQDYHUDJHSHU\HDUZLWK
WKHKLJKHVWQXPEHURIWKHVHRFFXUULQJLQWKHLUILUVWWZR\HDUVRIFKLOGFDUH<RXQJ
FKLOGUHQPD\VXIIHUIURPUHSHDWHGHSLVRGHVXQWLOWKH\DUHDEOHWRGHYHORSDVWURQJ
HQRXJKLPPXQLW\$VFKLOGUHQDJHWKHLULPPXQHV\VWHPVPDWXUHDQGWKH\EHJLQWR
GHYHORSPRUHUHVLVWDQFHWRFROGVDQGRWKHUYLUXVHV
+($/7+
•
&ROGV
0RVWSHRSOHDUHDOOWRRIDPLOLDUZLWKWKHV\PSWRPVWKDWKHUDOGWKHRQVHWRIDFROG
DQGJHQHUDOO\VXIIHUIURPDUXQQ\QRVHVQHH]LQJDQGQDVDOFRQJHVWLRQDFRXJKDVRUH
WKURDWKHDGDFKHVDQGERG\DFKHVDQGFKLOOVIURPIHYHUV&RQJHVWLRQFDQEHSUREOHPDWLFIRU
LQIDQWVDQG\RXQJFKLOGUHQPDNLQJLWKDUGHUIRUWKHPWRIHHGDQGVOHHSDQGPD\UHTXLUH
WKHXVHRIVDOLQHVSUD\VWRKHOSORRVHQWKHPXFXV
•
&ROGVFDQVRPHWLPHVEHFRPSOLFDWHGE\WKHFRRFFXUUHQFHRIRWKHUFRQGLWLRQV
VXFKDVODU\QJLWLVEURQFKLWLVEDFWHULDOLQIHFWLRQRIFKHVWDQGLQIODPPDWLRQRIWKH
VLQXVHVVLQXVLWLV0RUHVHULRXVFRQGLWLRQVPD\LQFOXGHWKHIROORZLQJV\PSWRPV
DQGUHTXLUHLPPHGLDWHPHGLFDODWWHQWLRQSHUVLVWHQWFRXJKVZKLFKODVWIRUDFRXSOH
RIZHHNVIHYHUVWKDWODVWPRUHWKDQGD\VH[FHVVLYHLUULWDELOLW\RUWLUHGQHVVODERXUHG
EUHDWKLQJDQGDGHFUHDVHLQZHWQDSSLHVWRRQO\RURYHUDKRXUSHULRG
•
&ROGVDUHLPSRVVLEOHWRSUHYHQWDQGWKHWUHDWPHQWIRUDFROGLVPDLQO\V\PSWRPDWLF
+($/7+
&ROGV
•
7KHUHDUHVHYHUDOWKLQJVWKDWZRQ¶WKHOSDFROGDVZHOODVWKLQJVWKDWPD\EH
EHWWHUWRDYRLG&RXJKPHGLFLQHVDUHLQFUHDVLQJO\UHJDUGHGDVLQHIIHFWXDOZLWKOLWWOH
HYLGHQFHWRVXSSRUWWKDWWKH\ZRUN7KHVDPHJRHVIRUGHFRQJHVWDQWVVXFKDV
'HPD]LQ5RELWXVVLQDQG6XGDIHGZKLFKFDQFDXVHHLWKHULQVRPQLDRUK\SHUVRPQLDLQ
FKLOGUHQUHVWOHVVQHVVDQGH[FLWDELOLW\$VSLULQLVQRWVXLWDEOHIRUFKLOGUHQXQGHUWKHDJH
RI\HDUVGXHWRWKHULVNRIGHYHORSLQJ5H\H¶VV\QGURPHEUDLQGDPDJH
•
7KHUHDUHDQXPEHURIZD\VWKDW\RXFDQVXSSRUWDQLQIDQWRUDFKLOGZLWKD
FROG&ROGVDUHVSUHDGHDVLO\VRSD\H[WUDDWWHQWLRQWRKDQGZDVKLQJ±SDUWLFXODUO\DIWHU
ZLSLQJEDE\¶VDQGFKLOGUHQ¶VQRVHV.HHSDVPDOOELQRUSODVWLFEDJQH[WWRDFKLOGZKR¶V
EORZLQJKLVQRVHDORWWRSUHYHQWLQIHFWLRXVWLVVXHVIURPEHLQJOHIWO\LQJDURXQGDQG
DYRLGXVLQJKDQNLHV5HPLQGFKLOGUHQWRFRYHUWKHLUQRVHVDQGPRXWKZKHQFRXJKLQJ
DQGVQHH]LQJDQGWRZDVKWKHLUKDQGVDIWHUZDUGVZKHQHYHUSRVVLEOHVRWKDWLWEHFRPHV
VHFRQGQDWXUHWRWKHP.HHSFKLOGUHQKRPHIURPFKLOGFDUHWRSUHYHQWWKHVSUHDGRI
LQIHFWLRQDQGNHHSSHRSOHZLWKFROGVIURPEHLQJLQFORVHFRQWDFWZLWK\RXUEDE\
+($/7+
)HYHU
•
$QRUPDOWHPSHUDWXUHUDQJHLVEHWZHHQƒ&DQGƒ&$WHPSHUDWXUHWKDW
VWD\VDURXQGƒ&RUPRUHIRUORQJHUWKDQKRXUVLVFRQVLGHUHGWREHDIHYHU
•
:KHQ\RXUFKLOGKDVDUDLVHGWHPSHUDWXUHNHHSLQPLQGWKDWWKHIHYHULWVHOILVQRWWKH
SUREOHPEXWDVLJQRILOOQHVV)HYHULVPRVWFRPPRQO\DQLPPXQHUHVSRQVHWRHLWKHUD
YLUDORUEDFWHULDOLQIHFWLRQDQGLVWKHERG\¶VQDWXUDOZD\RIWU\LQJWRILJKWWKHLOOQHVV+LJK
WHPSHUDWXUHVPDNHWKHERG\OHVVKDELWDEOHWRYLUXVHVDQGEDFWHULD2WKHUFDXVHVRIIHYHU
DUHUHODWLYHO\XQFRPPRQEXWLILQGRXEWVHHNPHGLFDODGYLFH
•
,WLVLPSRUWDQWWRVHHNPHGLFDODWWHQWLRQLI\RXUFKLOG¶VIHYHULVDFFRPSDQLHGE\
DQ\RIWKHIROORZLQJDUDVKH[FHVVLYHOHWKDUJ\KLJKSLWFKHGFU\LQJSDLQDILW
FRQVLVWHQWYRPLWLQJDVZROOHQRUGHSUHVVHGIRQWDQHOOHWKHVRIWVSRWRQDEDE\¶VKHDGDQG
LI\RXUFKLOGFRPSODLQVRIDVWLIIQHFNRUVHQVLWLYLW\WROLJKW,QIDQWVOHVVWKDQPRQWKVZLWK
UDLVHGWHPSHUDWXUHVDUHEHVWFKHFNHGE\DGRFWRUDORQJZLWKDQ\FKLOGZKRKDVDIHYHURI
PRUHWKDQƒ&,QJHQHUDOKRZHYHUDIHYHULVQRWFRQVLGHUHGKDUPIXOXQOHVVLWUHDFKHV
ƒ&
+($/7+
&ROGV
•
7KHUHDUHDOVRSOHQW\RIQDWXUDOZD\VRIPDQDJLQJFROGVDQGIOX¶VLQ\RXQJ
FKLOGUHQ7KHPRVWLPSRUWDQWWKLQJLVWRNHHS\RXUFKLOGZHOOK\GUDWHG2IIHU
WKHPSOHQW\RIQRQVXJDU\GULQNVIUHVKO\VTXHH]HGMXLFHVDQGKHUEDOWHDVZKLFK
KHOSFOHDQVHWKHERG\RIWR[LQVDQGWKLQWKHPXFXV)UHVKMXLFHVDUHSRZHUIXO
LPPXQHERRVWHUVDQGVRWDVW\WKDWNLGVORYHWKHP7U\FDUURWDQGDSSOHMXLFH
ZKLFKLVULFKLQQDWXUDOYLWDPLQ&RUPHORQDQGUDVSEHUU\MXLFHZKLFKFOHDQVHVDQG
GHWR[LILHVWKHGLJHVWLYHV\VWHPDQGLVDFRROLQJUHPHG\IRUIHYHUV(QVXUH\RXU
FKLOG¶VGLHWLQFOXGHVSOHQW\RIIUHVKIUXLWVDQGYHJJLHVDQGZDUPVRXSV$YRLGIRRGV
ZLWKVXJDUDVWKH\FDQVXSSUHVVLPPXQHIXQFWLRQDQGPXFXVIRUPLQJIRRGVVXFK
DVPLONFKHHVH\RJKXUWHWF
•
7KHUHLVQRUHDOSURRIDERXWWKHHIILFDF\RIYLWDPLQ&DOWKRXJKVRPHVWXGLHV
VXJJHVWWKDWLWPD\VKRUWHQWKHWLPHIUDPHRIFROGVHVSHFLDOO\LIJLYHQLQWKHHDUO\
VWDJHV9LWDPLQ&SRZGHUFDQEHPL[HGZLWKIUXLWMXLFHRUJLYHQLQGURSIRUPWR
LQIDQWVXQGHURQH\HDU=LQFRU(FKLQDFHDOR]HQJHVPD\KHOSVRRWKHVRUHWKURDWV
EXWDUHQRWDSSURSULDWHIRUFKLOGUHQXQGHUWKHDJHRIGXHWRWKHULVNRIFKRNLQJ
+($/7+
)HYHU
•
,QVRPHLQVWDQFHVDUDSLGULVHLQDFKLOG¶VWHPSHUDWXUHFDQFDXVHDFKLOGWRKDYH
DILWDQGLVNQRZQDVDIHEULOHFRQYXOVLRQ7KHVHW\SHVRIILWVDUHUHODWLYHO\
XQFRPPRQDQGQRWXVXDOO\GDQJHURXVEXWWKH\GRZDUUDQWPHGLFDODWWHQWLRQ
3OHDVHUHIHUWRWKHFDUGRQIHEULOHFRQYXOVLRQVIRUPRUHGHWDLOV
•
$Q\EDE\XQGHUWKUHHPRQWKVZKRGHYHORSVDIHYHUVKRXOGEHVHHQE\DGRFWRU
•
<RXVKRXOGWDNH\RXUFKLOG¶VWHPSHUDWXUHLIWKH\VHHPH[FHVVLYHO\KRWLUULWDEOH
XQZHOORULQSDLQLIWKH\DUHYRPLWLQJRUUHIXVLQJWRGULQNRULIWKH\FU\LQFRQVRODEO\
'LJLWDOWKHUPRPHWHUVDUHWKHPRVWXVHUIULHQGO\DQGVXLWDOODJHV2OGVW\OHPHUFXU\
WKHUPRPHWHUVVKRXOGQHYHUEHSODFHGLQDFKLOG¶VPRXWKDVWKH\FDQEHSRLVRQRXVLIWKH\
EUHDN3ODVWLFVWULSWKHUPRPHWHUVZKLFKDUHSODFHGRQWKHIRUHKHDGDUHQRW
UHFRPPHQGHGDVWKH\DUHFRQVLGHUHGXQUHOLDEOH
•
:KHQDVVHVVLQJDFKLOGZLWKDUDLVHGWHPSHUDWXUHREVHUYHKLPIRURWKHUVLJQVDQG
V\PSWRPVRILOOQHVV&KLOGUHQ¶VWHPSHUDWXUHVFDQYDU\DFFRUGLQJWRWKHOHYHORIDFWLYLW\
WKH\HQJDJHLQDQGFDQEHORZHULQWKHPRUQLQJDQGKLJKHULQWKHHYHQLQJ
+($/7+
)HYHU
•
0RVWIHYHUVXQGHUƒ&FDQEHPDQDJHGVDIHO\DQGHIIHFWLYHO\DWKRPH7KHPDLQ
SULRULW\ZLWKDQ\IHYHULVWRHQVXUHWKDW\RXUFKLOGLVGULQNLQJHQRXJKIOXLGV
DQGGRHVQRWEHFRPHGHK\GUDWHG$SRRUDSSHWLWHGXULQJDIHYHULVQRUPDODQG
QRWKLQJWRZRUU\DERXWEXWVRXSVDQGEURWKVPD\EHSDODWDEOHDQGZLOOKHOSUHSODFH
ORVWIOXLGV(QFRXUDJHFKLOGUHQWRWDNHVPDOOIUHTXHQWVLSVRIZDWHURUGLOXWHGIUXLW
MXLFHHYHQZKHQWKH\GRQRWVHHPWKLUVW\'ULQNLQJWKURXJKDVWUDZPD\SHUVXDGH
\RXQJHUFKLOGUHQWRGULQNPRUH7KHUHDUHDOVRDUDQJHRIRUDOUHK\GUDWLQJVROXWLRQV
VXFKDV*DVWURO\WHDYDLODEOHDWSKDUPDFLHVZKLFKDOVRFRPHLQLFHEORFNIRUP
•
7KHUHLVQRUHDODGYDQWDJHWRORZHULQJDIHYHURWKHUWKDQWRUHOLHYH\RXU
FKLOG¶VGLVFRPIRUW,IWKHIHYHULVPLOGDQG\RXUFKLOGVHHPVFRPIRUWDEOH\RXPD\
FKRRVHWROHWWKHIHYHUWDNHLWVFRXUVHDOWHUQDWLYHO\SDUDFHWDPRORULEXSURIHQFDQEH
JLYHQWR\RXUFKLOGLIVKHVHHPVPLVHUDEOHDQGXQZHOO$VSLULQVKRXOGQHYHUEHJLYHQ
WRFKLOGUHQXQGHU\HDUVDVLWFDQEHGDQJHURXV&RROVSRQJLQJLVQRWUHFRP
PHQGHGDVLWFDQFDXVHVKLYHULQJDQGHOHYDWHWKHWHPSHUDWXUHPRUH,QVWHDGGUHVV
\RXUFKLOGLQFRROOLJKWFORWKLQJDQGRIIHUIUHTXHQWGULQNV
+($/7+
0HQLQJRFRFFDO'LVHDVH
•
0HQLQJRFRFFDOGLVHDVHLVDQDFXWHEDFWHULDOLQIHFWLRQZKLFKFDQFDXVHDQXPEHURI
VHULRXVOLIHWKUHDWHQLQJLOOQHVVHVVXFKDVPHQLQJLWLVDQGVHSWLFDHPLD0HQLQJRFRFFDO
GLVHDVHFDQEHJLQVXGGHQO\DQGPD\OHDGWRSHUPDQHQWGLVDELOLW\RUGHDWKLIQRWDWWHQGHGWRLP
PHGLDWHO\
•
7KHVHLQIHFWLRQVDUHH[WUHPHO\VHULRXVDQGPXVWEHWUHDWHGDVPHGLFDOHPHUJHQFLHV,I
\RXVXVSHFWWKDWDFKLOGLQ\RXUFDUHLVH[KLELWLQJDQ\VLJQVRIPHQLQJRFRFFDOFDOO
DQGUHTXHVWLPPHGLDWHPHGLFDODVVLVWDQFHRUJRWR\RXUQHDUHVWHPHUJHQF\GHSDUW
PHQWVWDWLQJWKDW\RXEHOLHYH\RXUFKLOGPD\KDYHDPHQLQJRFRFFDOLQIHFWLRQ
•
7KHVLJQVDQGV\PSWRPVRIPHQLQJRFRFFDOGLVHDVHVVXFKDVPHQLQJLWLVDQG
VHSWLFDHPLDPD\LQFOXGHDJHQHUDOIHHOLQJRIEHLQJXQZHOOIHYHUORVVRIDSSHWLWHQDXVHD
H[WUHPHOHWKDUJ\VHYHUHKHDGDFKHDQGDILQHUHGRUSXUSOHVNLQUDVKZKLFKGRHVQRWWXUQ
ZKLWHZKHQWKHVNLQLVSUHVVHG,QWKHHDUO\SDUWRIWKHGLVHDVH\RXUFKLOGPD\QRWH[KLELWDOORI
WKHVHV\PSWRPV/DWHUVLJQVRILQIHFWLRQDUHFODVVLFLQGLFDWRUVVXFKDVVRUHQHVVDQGVWLIIQHVVLQ
WKHQHFNEDFNDQGMRLQWVYRPLWLQJDQGOLJKWVHQVLWLYLW\7KHVHV\PSWRPVFDQTXLFNO\
EHFRPHFULWLFDO(DUO\GHWHFWLRQRIWKHV\PSWRPVRIPHQLQJRFRFFDOLQIHFWLRQVFDQ
PHDQWKHGLIIHUHQFHEHWZHHQOLIHDQGGHDWK
3OHDVHUHDGPRUHRQWKHRWKHUVLGHRIWKLVFDUGIRUV\PSWRPVLQEDELHVDQGQHZERUQV
+($/7+7KHUPRPHWHUV
)HYHU
7KHUHDUHDUDQJHRIWKHUPRPHWHUVUDQJLQJIURPORZSULFHGSODVWLFVWULSVXSWRHDUWKHU
PRPHWHUVZKLFKPLJKWVHHPH[SHQVLYHE\FRPSDULVRQ$OWKRXJKWKHH[SHQVHPLJKWEH
KDUGWRGHDOZLWK\RXZLOOSUREDEO\JHWPDQ\\HDUVXVHRXWRIDQDFFXUDWHHDUWKHUPRPH
WHUWKDWPDNHLWZRUWKWKHLQLWLDOH[SHQVH
%DWWHU\RSHUDWHGGLJLWDOVWLFNWKHUPRPHWHU
7KLVLVDSODVWLFWKHUPRPHWHUWKDWLVVDIHDFFXUDWHDQGHDV\WRUHDGEXWDELWPRUHH[
SHQVLYHWKDQDVWULS7KLVGLJLWDOVWLFNWKHUPRPHWHUFDQEHXVHGRUDOO\RUXQGHUWKHEDE\
V
DUP,WUHJLVWHUVWKHWHPSHUDWXUHLQVHFRQGVZLWKDEHHSVLJQDOLQJZKHQFRPSOHWH
(DU7KHUPRPHWHU
7KLVLVSODFHGLQ\RXUEDE\
VHDUDQGJLYHVDGLJLWDOUHDGLQJDIWHUDIHZVHFRQGV,WLVTXLFN
DQGDFFXUDWHEXWFRVWVDELW7KHHDUWKHUPRPHWHUSURGXFHVDQLQVWDQWDFFXUDWHUHDGLQJ
WRZLWKLQGHJ&RQDQ/&'GLVSOD\
+($/7+ •
•
0HQLQJRFRFFDO'LVHDVH
,QQHZERUQVDQGEDELHVWKHLOOQHVVPD\KDUGHUWRGHWHFWGXHWRDQLQIDQWVLQDELOLW\WR
WHOO\RXDERXWWKHLUV\PSWRPV7KH\FDQH[SHULHQFHVLPLODUV\PSWRPVDVROGHUFKLOGUHQEXW
WKH\PD\DOVRDSSHDUH[WUHPHO\DJLWDWHGEHGLIILFXOWWRZDNHRUVHHPH[FHVVLYHO\VOHHS\
WKH\PD\UHIXVHIHHGVDQGKDYHDKLJKSLWFKHGFU\,IDQ\RIWKHVHV\PSWRPVDUHSUHVHQW
LWLVEHWWHUWRHUURQWKHVLGHRIFDXWLRQDQGKDYH\RXULQIDQWVHHQE\DGRFWRU
LPPHGLDWHO\
0HQLQJRFRFFDOGLVHDVHFDQEHGLIILFXOWWRGHWHFWDVWKHHDUO\VWDJHVRIWKHLOOQHVV
RIWHQEHJLQVVLPLODUO\WRRWKHUFRQGLWLRQVVRLWLVFULWLFDOWREHDZDUHRIWKH
V\PSWRPVDQGWKHFKDUDFWHULVWLFLQGLFDWRUVRIWKHGLVHDVH7KRVHPRVWDWULVNDUH
FKLOGUHQXQGHU\HDUVUHSUHVHQWLQJWZRWKLUGVRIDOOFDVHVDVZHOODVWKH±DJHJURXS
EXWPHQLQJRFRFFDOGLVHDVHFDQRFFXULQDQ\DJHJURXS
+($/7+0HQLQJRFRFFDO'LVHDVH
•
0HQLQJRFRFFDOGLVHDVHLVVSUHDGYLDUHVSLUDWRU\GURSOHWVIURPWKHFRXJK
LQJDQGVQHH]LQJDQGVDOLYDRIDQLQIHFWHGSHUVRQDQGE\FORVHFRQWDFW
LQFOXGLQJNLVVLQJ,Q±RIWKHSRSXODWLRQWKHPHQLQJRFRFFLEDFWHULD
OLYHQDWXUDOO\LQWKHQRVHDQGWKURDWZLWKRXWFDXVLQJDQ\LOOQHVVWKHVHSHRSOHDUH
NQRZQDV³KHDOWK\FDUULHUV´,QVRPHFDVHVKRZHYHUWKHEDFWHULDJHWVWKURXJK
WKHOLQLQJRIWKHWKURDWDQGHQWHUVWKHEORRGVWUHDPUHVXOWLQJLQPHQLQJRFRFFDO
GLVHDVH,Q$XVWUDOLDPRVWFDVHVWHQGWRRFFXUGXULQJWKHODWHZLQWHURUHDUO\
VSULQJ
•
0HQLQJLWLVLVDQLQIODPPDWLRQRIWKHPHPEUDQHVZKLFKHQYHORSWKHEUDLQ
DQGVSLQDOFRUGDQGFDQEHEDFWHULDODQGYLUDO9LUDOPHQLQJLWLVLVXVXDOO\
PLOGHUWKDQWKHEDFWHULDOIRUPEXWGRHVQRWUHVSRQGWRDQWLELRWLFV%DFWHULDOPHQ
LQJLWLVLVPRUHVHYHUHDQGPD\EHFDXVHGE\GLVHDVHVVXFKDV+LE+DHPRSKLOXV
LQIOXHQ]DH%PXPSVPHDVOHVDQGSROLR,WFDQRIWHQIROORZDQXSSHUUHVSLUDWRU\
WUDFWLQIHFWLRQDQGOHDGTXLFNO\WRDQXPEHURIOLIHWKUHDWHQLQJSUREOHPVVRLWLV
LPSRUWDQWWKDWGLDJQRVLVLVQRWGHOD\HG
+($/7+:KRRSLQJ&RXJK
:KRRSLQJFRXJKLVDKLJKO\FRQWDJLRXVUHVSLUDWRU\LQIHFWLRQFDXVHGE\WKH
%SHUWXVVLVEDFWHULDDQGGHULYHVLWVQDPHIURPWKH³ZKRRSLQJ´VRXQGZKLFK
RFFXUVRQWKHLQZDUGEUHDWKDIWHUDFRXJKLQJVSHOO
:KRRSLQJFRXJKLVFRQWUDFWHGE\FRPLQJLQWRFRQWDFWZLWKDLUERUQH
GURSOHWVIURPWKHFRXJKVDQGVQHH]HVRIVRPHRQHZKRKDVWKHLQIHFWLRQ
7KHLOOQHVVXVXDOO\PDQLIHVWV±GD\VDIWHUH[SRVXUHDQGLVPRVWFRPPXQLFD
EOHLQWKHHDUOLHVWVWDJHVRIWKHLQIHFWLRQXSWRWZRZHHNVDIWHUWKHFRXJKVWDUWV
7KHFRQGLWLRQLVFKDUDFWHULVHGE\VHYHUHSHUVLVWHQWFRXJKLQJZKLFKLV
RIWHQVRIRUFHIXOWKDWLWFDQFDXVHFKLOGUHQWRWHPSRUDULO\ORVHWKHLUEUHDWKDQG
HYHQYRPLW&KLOGUHQPD\H[SHULHQFHLQWHQVHFRXJKLQJVSHOOVHYHU\KRXURUVR
ZKLFKFDQEHVHYHUDO PLQXWHVORQJLQWHUUXSWLQJERWKWKHLUVOHHSDQGWKHZKROH
IDPLO\¶V
7KHVKHHUWHQDFLW\RIWKHFRQGLWLRQDFFRXQWVIRUWKH&KLQHVHUHIHUULQJWRLWDVWKH
µGD\FRXJK¶DVWKHFRXJKXVXDOO\ODVWVVHYHUDOZHHNV
+($/7+ 0HQLQJRFRFFDO'LVHDVH
•
6HSWLFDHPLDLVWKHPRVWGHDGO\RIWKHWZRLOOQHVVHVDQGH[KLELWVVLPLODU
V\PSWRPV,WLVWKHUHVXOWRIEDFWHULDZKLFKHQWHUVWKHEORRGVWUHDPFDXVLQJ
EOHHGLQJLQWRWKHVNLQDQGFDQOHDGWRGHDWKZLWKLQKRXUV,IOHIWXQWUHDWHGRULI
GLDJQRVLVLVGHOD\HGSHUPDQHQWGLVDELOLWLHVFDQRFFXUVXFKDVVLJKWDQGKHDU
LQJSUREOHPVRUGHDIQHVVOLYHUDQGNLGQH\FRPSOLFDWLRQVDQGHYHQDPSXWDWLRQV
GXHWRWKHODFNRIEORRGWRWKHILQJHUVWRHVDUPVDQGOHJV
•
,Q$XVWUDOLDYDFFLQHVDUHDYDLODEOHIRUWKH0HQLQJRFRFFDO&VWUDLQRI
WKHGLVHDVHDQGDUHSDUWRIIUHHURXWLQHLPPXQLVDWLRQ,WLVUHFRPPHQGHG
WKDWFKLOGUHQEHLPPXQLVHGZLWKWKHYDFFLQHDWWKHDJHRIPRQWKVZKLFK
PD\EHJLYHQDWWKHVDPHWLPHDVRWKHUYDFFLQHV7KH0HQLQJRFRFFDO%VHUR
JURXSLVFXUUHQWO\WKHPRVWGRPLQDQWVWUDLQLQ$XVWUDOLDKRZHYHUDFFRXQWLQJIRU
RIDOOFDVHVDQGWKHUHDUHFXUUHQWO\QRYDFFLQHVDYDLODEOHIRULPPXQLVDWLRQ
DJDLQVWWKLVVWUDLQRIWKHGLVHDVH6LQFHWKHLQWURGXFWLRQRIWKH0HQLQJRFRFFDO&
YDFFLQHKRZHYHUWKH0HQLQJRFRFFDO&VWUDLQRIWKHGLVHDVHLVQRZUDUHLQ16:
+($/7+:KRRSLQJ&RXJK
:KRRSLQJFRXJKLVDWLWVPRVWVHULRXVZKHQLWRFFXUVLQEDELHVHVSHFLDOO\LI
WKH\DUHXQGHUPRQWKVDQGFDQEHOLIHWKUHDWHQLQJ7KHKLJKHVWULVNLVWREDELHV
ZKRDUHQRWLPPXQLVHGDQGDUHXQGHUVL[PRQWKVRUWRWKRVHRQO\SDUWLDOO\LPPX
QLVHG2YHURIFKLOGUHQKRVSLWDOLVHGIRUZKRRSLQJFRXJKDUHXQGHURQH\HDUROG
:KRRSLQJFRXJKLVFRQVLGHUHGWREHDYDFFLQHSUHYHQWDEOHGLVHDVH
7KHFXUUHQW$XVWUDOLDQLPPXQLVDWLRQVFKHGXOHLVVWGRVHJLYHQDWPRQWKV
QGDWPRQWKVZLWKERRVWHUVJLYHQDW\HDUVDQGDJDLQEHWZHHQ±\UV
,Q$XVWUDOLDHSLGHPLFVRFFXUYHU\±\HDUVDQGDUHPRUHSUHYDOHQWLQ
ZLQWHUDQGVSULQJ2XWEUHDNVDUHVPDOOHULQYDFFLQDWHGSRSXODWLRQV$OWKRXJK
WKHYDFFLQHLVQRWHIIHFWLYHLWSURWHFWVPRVWFKLOGUHQDQGFDXVHV
ZKRRSLQJFRXJKWREHOHVVVHYHUHWKDQLWFDQEHLQQRQLPPXQLVHGFKLOGUHQ
:KRRSLQJFRXJKLVQRWMXVWDFKLOGKRRGLOOQHVVRIDOOFDVHVRFFXULQDGXOWV
RYHUWKHDJHRI6RPHWLPHVDGXOWVFDQEHPLVGLDJQRVHGGXHWRWKHDEVHQFHRIWKH
³ZKRRSLQJ´VRXQGWKDWLVQRUPDOO\DIHDWXUHRIWKHFRQGLWLRQLQ\RXQJFKLOGUHQ
+($/7+:KRRSLQJ&RXJK
•
,QEDELHVZKRRSLQJFRXJKVWDUWVZLWKIOXOLNHV\PSWRPVORZJUDGHIHYHUUXQQ\QRVH
VQHH]LQJDQGDPLOGFRXJK7KLVFDQODVWIRUZHHNVDQGLVIROORZHGE\±ZHHNVRIVH
YHUHFRXJKLQJVSDVPV7KHLQIHFWLRQFDXVHVDEXLOGXSRIPXFXVLQWKHZLQGSLSHPDNLQJLWGLIIL
FXOWIRUWKHPWREUHDWKHIHHGDQGVOHHS*DJJLQJRUYRPLWLQJDIWHUDFRXJKLQJILWFDQOHDYHFKLO
GUHQH[KDXVWHGDQGWKH\RIWHQKDYHDSRRUDSSHWLWHDQGZHLJKWORVVGXHWRWKHLOOQHVV
•
,WLVHVWLPDWHGWKDWXSWRRIQRQLPPXQLVHGIDPLO\PHPEHUVPD\FDWFK
ZKRRSLQJFRXJKIURPDQLQIHFWHGFKLOG5HFRPPHQGDWLRQVIURPWKH1DWLRQDO+HDOWKDQG
0HGLFDO5HVHDUFK&RXQFLODUHWKDWDQWLELRWLFVEHSUHVFULEHGIRUWKRVHIDPLO\PHPEHUVZKR
KDYHFORVHFRQWDFWZLWKDFKLOGZLWKZKRRSLQJFRXJK$VRI6HSWHPEHUOLTXLGDQWLELRWLFV
FODULWKURP\FLQDUHQRZDYDLODEOHIRUFKLOGUHQZKRILQGLWKDUGWRWDNHDQWLELRWLFWDEOHWV
•
,QWKHSUHVHQFHRIZKRRSLQJFRXJKDQWLELRWLFWUHDWPHQWPD\DOVREHSUHVFULEHGIRU
EDELHVOHVVWKDQPRQWKVDQGFKLOGUHQEHWZHHQ±PRQWKVZKRKDYHKDGOHVVWKDQ
GRVHVRIWKHZKRRSLQJFRXJKYDFFLQH
+($/7+ &URXS
•
&URXSLVDYLUDOLQIHFWLRQDW\SHRIODU\QJLWLVZKLFKLQYROYHVDQREVWUXFWLRQRIWKH
XSSHUDLUZD\PRVWO\FRPPRQO\DIIHFWLQJFKLOGUHQXQGHUILYH\HDUV&URXSRIWHQEHJLQV
OLNHWKHFRPPRQFROGDQGFRPHVDERXWDVDUHVXOWRILQIODPPDWLRQLQWKHYRLFHER[DQG
ZLQGSLSH6LQFHFURXSLVDYLUXVLWGRHVQRWUHTXLUHDQGZLOOQRWUHVSRQGWR
DQWLELRWLFV
•
,QJHQHUDOFURXSLVDPLOGDQGFRPPRQFKLOGKRRGLOOQHVVWKDWGRHVQRWUHTXLUH
SKDUPDFRORJLFDOWUHDWPHQW,WLVWUDQVPLWWHGWKURXJKDLUERUQHGURSOHWVIURPFRXJKV
DQGVQHH]HV,QPRVWFDVHVFURXSFOHDUVXSZLWK±GD\VDQGFDQEHPDQDJHGDW
KRPH,QVRPHLQVWDQFHVKRZHYHUFURXSPD\ZRUVHQDQGPD\QHHGPHGLFDOLQWHUYHQ
WLRQWRKHOSOHVVHQWKHVZROOHQDLUZD\VDQGHDVHEUHDWKLQJ
•
&URXSEHJLQVLQDVLPLODUZD\WRDFROGUXQQ\QRVHVRUHWKURDWUDLVHGWHPSHUDWXUH
EXWGHYHORSVTXLFNO\LQWRDKDUVKµFURXS\¶FRXJK,WLVFKDUDFWHULVHGE\ERWKWKH
FRXJKDQGWKHQRLV\ZKHH]\EUHDWKLQJVWULGRU6\PSWRPVRIWHQZRUVHQDW
QLJKWGXHWRWKHFRRODLU
:KRRSLQJ&RXJK
+($/7+ •
$QWLELRWLFVDUHDOVRUHFRPPHQGHGIRUDQ\ZRPDQLQKHUODVWPRQWKRISUHJQDQF\RIVKH
KDVEHHQH[SRVHGWRZKRRSLQJFRXJKDVZHOODVIRUDQ\FKLOGRUDGXOWZKRDWWHQGVRU
ZRUNVLQDFKLOGFDUHFHQWUH,IDQRQLPPXQLVHGFKLOGFRQWUDFWVZKRRSLQJFRXJK
DQWLELRWLFVPD\EHSUHVFULEHGWRVWRSWKHVSUHDGRILQIHFWLRQDQGLVPRVWHIIHFWLYH
ZKHQJLYHQLQWKHHDUO\VWDJHVRIWKHLOOQHVV
•
7KHUHDUHJHQHUDOO\IHZFRPSOLFDWLRQVIURPLPPXQLVDWLRQDJDLQVWZKRRSLQJ
FRXJK6RPHEDELHVFDQEHFRPHµIORSS\¶IRUDZKLOHDIWHUWKHLQMHFWLRQDQGFKLOGUHQ
PD\VXIIHUIURPPLOGIHYHURULUULWDELOLW\6LQFHWKHYDFFLQHDFHOOXODUSHUWXVVLVKDV
EHHQLQWURGXFHGWKHUHKDYHEHHQIHZHUUHSRUWVRIVRUHLQMHFWLRQVLWHV
•
:KRRSLQJFRXJKFDQEHEHVWPDQDJHGDWKRPHE\NHHSLQJWKHKRPHIUHHRI
LUULWDQWVZKLFKDJJUDYDWHFRXJKLQJVXFKDVDHURVROVSUD\VWREDFFRVPRNHDQG
ILUHSODFHV.HHS\RXUFKLOGZHOOUHVWHGDQGRIIHUSOHQW\RIIOXLGVWRKHOSWKLQPXFXVDQG
SUHYHQWGHK\GUDWLRQ&RXJKLQJVXSSUHVVDQWVDUHQRWDGYLVHGIRUFKLOGUHQZLWKZKRRSLQJ
FRXJKDVWKHFRXJKLQJDFWLRQKHOSVH[SHOH[FHVVPXFXVIURPWKHDLUZD\VDQGLVEHVW
OHIW XQLPSHGHG
+($/7+
&URXS
•
,I\RXDUHRYHUO\FRQFHUQHGRU\RXUFKLOG¶VFRQGLWLRQZRUVHQVVHH\RXU
GRFWRURUORFDOHPHUJHQF\GHSDUWPHQWLPPHGLDWHO\HVSHFLDOO\LIWKHUHDUH
VLJQVRIUHVSLUDWRU\GLVWUHVVWKHEUHDVWERQHVXFNVLQDQG\RXUFKLOGLVVWUXJJOLQJWR
EUHDWKH,IWKHQRLV\EUHDWKLQJFRQWLQXHVZKHQ\RXUFKLOGEUHDWKHVLQZKHQUHVWLQJ
WKLVLVDOVRDVLJQWKDWWKH\VKRXOGEHFKHFNHGE\\RXU*3
•
7KHUHDUHPDQ\ZD\VWRKHOSGHDOZLWKFURXSDWKRPH.HHS\RXUFKLOGFDOP
DQGDVUHVWHGDVSRVVLEOHDVDFWLYLW\RUDQ[LHW\FDQLQFUHDVHWKHLUEUHDWKLQJGLIILFXO
WLHV7KHZKHH]\FKHVWFDQEHIULJKWHQLQJWRD\RXQJFKLOGVRHQVXUHWKH\DUHFRP
IRUWHGDQGUHDVVXUHGDQGPRQLWRUWKHPDVFORVHO\DVSRVVLEOH(QFRXUDJH\RXUFKLOG
WRGULQNSOHQW\RIIOXLGVDVWKLVWKLQVWKHPXFXVDQGPDNHVLWHDVLHUWRFRXJK:DUP
VRXSVDQGFRROGULQNVPD\KHOS.HHSWKHKRPHHQYLURQPHQWVPRNHIUHH
•
)RUPDQ\\HDUVLWZDVEHOLHYHGWKDWVWHDPWKHUDS\ZDVDYLDEOHWUHDWPHQWIRUFURXS
7KHXVHRIVWHDPWKHUDS\RUYDSRULVHUVLVQRORQJHUUHFRPPHQGHG
+($/7+6FDUOHW)HYHU
•
6FDUOHWIHYHULVDEDFWHULDOLQIHFWLRQZKLFKJLYHVULVHWRDVFDUOHWVDQGSDSHUOLNHUDVK
RQWKHFKHVWQHFNDUPSLWVDQGJURLQIURPZKLFKWKLVLOOQHVVGHULYHVLWVQDPH
•
$IWHUDQLQFXEDWLRQSHULRGRIGD\VV\PSWRPVRFFXUZKLFKLQFOXGHDKLJK
IHYHUKHDGDFKHVQDXVHDDQGYRPLWLQJVZROOHQO\PSKJODQGVLQWKHQHFNVRUHWKURDW
DQGHQODUJHGWRQVLOV7KHFKHHNVPD\EHIOXVKHGDQGWKHUHPD\EHDSDOHDUHDDURXQG
WKHPRXWK$ORQJZLWKWKHPDVVRIWLQ\UHGVSRWVLVWKHFKDUDFWHULVWLFµVWUDZEHUU\
WRQJXH¶
•
6FDUOHWIHYHULVFRQWDJLRXVDQGSRVHVDULVNRILQIHFWLRQIRURWKHUVEHLQJ
FRPPXQLFDEOHWKURXJKWKHVQHH]HVDQGFRXJKLQJRIDQLQIHFWHGFKLOG
+LVWRULFDOO\VFDUOHWIHYHUZDVDVHULRXVRIWHQOLIHWKUHDWHQLQJLOOQHVVEXWLVQRZUHODWLYHO\
UDUHDQGPXFKPLOGHU,WLVHDVLO\FRQWUROOHGE\DQWLELRWLFV
+($/7+8ULQDU\7UDFW,QIHFWLRQV
•
8ULQDU\WUDFWLQIHFWLRQV87,VVXFKDVF\VWLWLVDUHFRPPRQLQFKLOGUHQDQGDIIHFW
JLUOVPRUHRIWHQWKDQER\V1HZERUQPDOHVXSWRWKHDJHRIZHHNVKRZHYHUDUHPRUH
VXVFHSWLEOHWR87,VWKDQIHPDOHEDELHV
•
87,VDUHPRVWFRPPRQO\FDXVHGE\EDFWHULDIURPWKHERZHOWKDWHQWHUVWKHXUHWKUD
FDXVLQJDJURZWKRIJHUPVLQDQGLUULWDWLRQWRWKHEODGGHU
•
7KHSULPDU\V\PSWRPVRID87,DUHDQLQWHQVHXUJHWRXULQDWHHYHQZKHQWKHEODGGHU
IHHOVHPSW\DQGDEXUQLQJVHQVDWLRQZKHQXULQDWLQJ(YHQWKRXJKWKLVIUHTXHQWQHHGWRXUL
QDWHLVXQFRPIRUWDEOHLWLVWKHERG\¶VZD\RIIOXVKLQJRXWWKHLQIHFWLRQVRHQFRXUDJHFKLOGUHQ
WRJRWRWKHWRLOHWZKHQHYHUWKH\IHHOWKHXUJH
•
7UHDWPHQWPD\LQFOXGHDQWLELRWLFVHVSHFLDOO\ZLWKUHFXUUHQWFDVHV8QVZHHWHQHG
FUDQEHUU\MXLFHKDVEHHQXVHGIRURYHUDFHQWXU\WRWUHDWF\VWLWLVDVLWKHOSVSUHYHQW
EDFWHULD
IURPDGKHULQJWRWKHEODGGHUZDOO0RVWHVVHQWLDOLVWKDW\RXUFKLOG¶V
ZDWHULQWDNHLV
LQFUHDVHGDVWKLVKHOSVGLOXWHXULQHIOXVKHVEDFWHULDDQGKHOSVOHVVHQWKHSDLQDQG
GLVFRPIRUW
RIWKH87,-XQLSHUEHUU\WHDFDQEHPDGHE\DGGLQJFXSERLOLQJZD
WHUWRWEVSMXQLSHU EHUULHVIURP\RXUORFDOKHDOWKIRRGVKRSDQGEHLQJOHIWWRVWHHSIRU
PLQXWHV
+($/7+ 6FDUOHW)HYHU
•
7KHUDVKDSSHDUVKRXUVDIWHUWKHIHYHUEXWIDGHVZLWKLQ±GD\VDIWHU
ZKLFKWKHVNLQSHHOVPXFKOLNHDIWHUVXQEXUQ
•
7KHWUHDWPHQWRIFKRLFHLVDQWLELRWLFVDQGWKHUHVKRXOGEHVLJQVRILPSURYHPHQW
GD\VDIWHUVWDUWLQJDFRXUVH(QVXUHWKHHQWLUHFRXUVHLVWDNHQ'LDJQRVLVLVJHQHUDOO\PDGH
YLDDWKURDWVZDEFXOWXUHRUEORRGWHVWV
•
+RPHWUHDWPHQWVLQFOXGHEHGUHVWFRROVSRQJHEDWKVWRKHOSIHYHUVQDWXUDOO\DEDWH
SDUDFHWDPROLIIHYHUVJHWWRRKLJKDQGLI\RXUFKLOGLVXQFRPIRUWDEOHDQGSOHQW\RIIOXLGV
WRIOXVKRXWWKHWR[LQV(VSHFLDOO\KHOSIXODUHIUHVKO\VTXHH]HGFLWUXVMXLFHVUDZMXLFHV
VXFKDVFDUURWDQGDSSOHDQGZDUPQXWULWLRXVVRXSV
•
'LG\RXNQRZ"6FDUOHWIHYHUKDVDORQJDQGQRWDEOHOLWHUDU\KLVWRU\,WZDVSRSXODUO\
TXRWHGLQHDUO\WKDQGWK&HQWXU\OLWHUDWXUHWKHPRVWZHOONQRZQEHLQJ7KH9HOYHWHHQ
5DEELWE\0DUJHU\:LOOLDPVDQG/LWWOH:RPHQE\0DU\$OFRWW
+($/7+ 8ULQDU\7UDFW,QIHFWLRQV
•
&KLOGUHQRYHU\HDUVXVXDOO\GLVSOD\VLPLODUV\PSWRPVWRDGXOWVDQGPD\
KDYHIUHTXHQW³DFFLGHQWV´DORVVRIDSSHWLWHDQGVRPHWLPHVDUDLVHGWHPSHUDWXUH
•
&KLOGUHQXQGHU\HDUVRIWHQILQGLWPRUHGLIILFXOWWRFRPPXQLFDWHWKHLUGLVFRPIRUW
DQGPD\EHFRQIXVHGE\WKHLULQFUHDVHGQHHGWRZHH
•
,QDGGLWLRQFKLOGUHQXQGHU\HDUVPD\H[KLELWDZLGHUUDQJHRIJHQHUDOLQ
IHFWLRQVXFKDVIHYHUGLDUUKRHDORZHQHUJ\DQGLUULWDELOLW\
•
,WLVLPSRUWDQWWKDWDOOFKLOGUHQZLWKVLJQVRID87,EHFKHFNHGE\DGRFWRU
ZLWKLQKRXUVGXHWRWKHSRVVLELOLW\RIXQGHUO\LQJNLGQH\RUEODGGHUSUREOHPV
5HFXUUHQWLQIHFWLRQVPD\FDXVHVFDUULQJRIWKHNLGQH\V87,VDUHGLDJQRVHGE\
FROOHFWLQJDXULQHVDPSOHLQDVWHULOHFRQWDLQHUDYDLODEOHIURP\RXU*3
&ROOHFWHGVDPSOHVFDQEHNHSWLQWKHIULGJHIRUXSWRKRXUVLIQHFHVVDU\
+($/7+ $1$3+</$;,6±6+2&.
$QDSK\OD[LVLVDVHYHUHDQGVXGGHQDOOHUJLFUHDFWLRQZKLFKFDXVHVWKHERG\WRJRLQWRVKRFN,WFDQ
RFFXUDVDUHVXOWRIH[SRVXUHWRDQXPEHURIDOOHUJHQVLQFOXGLQJFHUWDLQIRRGVFRZ¶VPLONHJJV
SHDQXWVDQGWUHHQXWVVKHOOILVKVR\VHVDPHLQVHFWVWLQJVEHHVZDVSVDQGDQWVDQGSDUWLFXODU
GUXJVVXFKDVSHQLFLOOLQ
$QDSK\OD[LVFDQEHOLIHWKUHDWHQLQJDQGFRQVWLWXWHVDPHGLFDOHPHUJHQF\ZKHUHLPPHGLDWHO\RU
ZLWKLQPLQXWHVRIH[SRVXUHDQDOOHUJ\FDQFDXVHDUDSLGGURSLQEORRGSUHVVXUHDQGDFRQVWULFWLRQ
RIWKHDLUZD\V
$OOHUJLFUHDFWLRQVYDU\LQVHYHULW\0LOGWRPRGHUDWHUHDFWLRQVPD\LQFOXGHVZHOOLQJRIWKHIDFHQHFN
OLSVDQGWRQJXHEORWFK\UHGZHOWVKLYHVGL]]LQHVVYRPLWLQJDQGDEGRPLQDOSDLQ6HYHUHUHDFWLRQV
DUHSRWHQWLDOO\IDWDODQGLQFOXGHGLIILFXOW\EUHDWKLQJRUWDONLQJZKHH]LQJDQGFRXJKLQJDQGORVVRI
FRQVFLRXVQHVVDQGFROODSVH
<RXQJFKLOGUHQPD\EHFRPHOLPSDQGIORSS\$QDSK\OD[LV$XVWUDOLDVWDWHWKDWWKHUDSLGRQVHWDQG
OLIHWKUHDWHQLQJV\PSWRPVDUHFKDUDFWHULVWLFPDUNHUVRIDQDSK\OD[LV
+($/7+$1$3+</$;,6±6+2&.
•
,I\RXUFKLOGKDVEHHQGLDJQRVHGZLWKDVHYHUHDOOHUJ\LWLVDGYLVHGWKDWWKH\FDUU\
WKH(SL3HQŠZLWKWKHPDWDOOWLPHV7KH(SL3HQŠFDQEHSXUFKDVHGRQWKHSKDUPDFHXWL
FDOEHQHILWVVFKHPH3%66RPHFKLOGUHQDOVRFDUU\DQHPHUJHQF\PHGLFDOFDUGRUZHDUD
VSHFLDOPHGLFDODOHUWEUDFHOHWDVZHOODVKDYLQJWKHLUFRQWDFWSHUVRQ¶VHPHUJHQF\QXPEHU
ZLWKWKHP
•
,QPRVWFDVHVSUHYHQWDWLYHFDUHLVWKHPRVWHIIHFWLYHZD\RIPDQDJLQJVSHFLILF
DOOHUJLHVZLWKWKHDLPRIDYRLGLQJNQRZQDOOHUJHQV+RZHYHULIDQDQDSK\ODFWLFUHDFWLRQ
KDSSHQVLWLVLPSRUWDQWWKDWERWKFKLOGUHQDQGWKHLUFDUHJLYHUVDUHDEOHWRUHFRJQLVHWKH
VLJQVDQGV\PSWRPVRIDQDWWDFNDQGNQRZZKDWWRGRLIDQHSLVRGHRFFXUV
7KHUHLVFXUUHQWO\QRFXUHIRUDQDSK\OD[LVWUHDWPHQWIRFXVHVRQWKHPDQDJHPHQWRIWKH
FRQGLWLRQ
•
)RRGDOOHUJLHVDIIHFWDURXQGRIFKLOGUHQXQGHUWKHDJHRI\HDUV
7KH\RFFXUUDUHO\LQLQIDQWVXQGHUPRQWKV0RVWIRRGDOOHUJLHVEHFRPHHYLGHQWLQWKH
ILUVWPRQWKVRIDFKLOG¶VOLIHZLWKWKHLQWURGXFWLRQRIQHZIRRGV$OOHUJLHVWRFRZ¶VPLON
DQGHJJVDUHRIWHQRXWJURZQZKLOHDOOHUJLHVWRQXWVDQGVHDIRRGWHQGWREHORQJODVWLQJ
+($/7+
$1$3+</$;,6
•
,I\RXVXVSHFW\RXUFKLOGPD\EHKDYLQJDQDOOHUJLFUHDFWLRQDQGRULV
H[SHULHQFLQJDQ\RIWKHVHV\PSWRPVFDOOLPPHGLDWHO\DQGVWDWHWKDW\RXU
FKLOGPD\EHVXIIHULQJIURPDQDSK\OD[LV:KLOH\RXDUHZDLWLQJIRUWKHDPEXODQFH
XVHILUVWDLGWUHDWPHQWIRUVKRFN5HPDLQFDOPDQGUHDVVXUH\RXUFKLOG,ILW¶VDSSURSULDWH
HOHYDWH\RXUFKLOG¶VOHJVVOLJKWO\WRDOORZEORRGWRUHWXUQWRWKHKHDUW5HDVVXUH\RXUFKLOG
DQGFRYHUKLPZLWKDOLJKWEODQNHW
•
7KHILUVWOLQHRIWUHDWPHQWIRUDQDSK\OD[LVLVDQLQMHFWLRQRIDGUHQDOLQHSLQHSKULQH
ZKLFKHDVHVV\PSWRPVZLWKLQPLQXWHVDQGFDQEHOLIHVDYLQJ$GUHQDOLQHDFWVDVDQDWXUDO
DQWLGRWHWRWKHFKHPLFDOVZKLFKDUHUHOHDVHGLQWRWKHERG\GXULQJVHYHUHDOOHUJLFUHDFWLRQV
,WLVXVXDOO\DGPLQLVWHUHGLQWKHIRUPRIDQLQWUDPXVFXODULQMHFWLRQZLWKDQDXWRLQMHFWRU
FDOOHGDQ(SL3HQŠ
•
7KH(SL3HQŠLVGHVLJQHGDVDILUVWDLGGHYLFHZKLFKPD\EHXVHGE\SHRSOH
ZLWKRXWIRUPDOPHGLFDOWUDLQLQJDQGFDQEHVHOIDGPLQLVWHUHGE\SHRSOHRIDOODJHV
+($/7+
$1$3+</$;,6
•
7DONWR\RXUGRFWRUDERXWGHYHORSLQJDFROODERUDWLYH$QDSK\OD[LV$FWLRQ3ODQZKLFKZLOO
GHWDLO\RXUFKLOG¶VFRQGLWLRQDQGZD\VWRPDQDJHLWHVSHFLDOO\LQHPHUJHQF\VLWXDWLRQV
,WVKRXOGEHNHSWZLWKWKH(SL3HQŠLQDQDFFHVVLEOHORFDWLRQDQGEURXJKWWRWKHDWWHQWLRQ
RIDOOFDUHJLYHUVRI\RXUFKLOG
•
0RVWSUHVFKRROVDQGVFKRROVQRZKDYHD³QRQXW´SROLF\DQGPDQ\HQIRUFH
³QRHJJV´DVZHOOGXHWRWKHVHULRXVQDWXUHRIDQDSK\OD[LV)RUDOOHUJLHVWRELWHVDQG
VWLQJVFDUHVKRXOGEHWDNHQWRDYRLGKLJKULVNDUHDVZKHUHSRVVLEOHH[SRVXUHPD\
RFFXU:LWKIRRGDOOHUJLHVHQVXUHDOOSHRSOHZKRFDUHIRU\RXUFKLOGDUHDZDUHRIKHU
FRQGLWLRQ5HDGIRRGODEHOVFDUHIXOO\HGXFDWH\RXUFKLOGDERXWZKDWLVVDIHWRHDWDQG
WKHLPSRUWDQFHRIQRWVKDULQJIRRGDQGPDNHSURYLVLRQIRUVSHFLDORFFDVLRQVVXFKDV
ELUWKGD\VZLWKVSHFLDOO\SUHSDUHGDOWHUQDWLYHIRRGV
•
)RUPRUHLQIRUPDWLRQ\RXPD\OLNHWRFRQWDFW$QDSK\OD[LV$XVWUDOLDRQ
ZZZDOOHUJ\IDFWVRUJDXHPDLOFRRUGLQDWRU#DOOHUJ\IDFWVRUJDX
+($/7+ )HEULOHFRQYXOVLRQV
• )HEULOHFRQYXOVLRQVDUHVHL]XUHVZKLFKDUHEURXJKWRQE\DVXGGHQULVHLQDFKLOG¶V
WHPSHUDWXUH7KH\DUHFDXVHGE\WKHUDSLGDQGGUDPDWLFULVHLQWHPSHUDWXUHDQGDUHQRWJRYHUQHG
E\KRZKLJKWKHWHPSHUDWXUHLV
• $OWKRXJKFRQYXOVLRQVFDQEHGLVWUHVVLQJWRZLWQHVVLWLVLPSRUWDQWWRVWD\FDOP7KHUHLV
QRWKLQJ\RXFDQGRWRVWRSWKHVHL]XUHDQGLWFDQEHGHWULPHQWDOWRUHVWUDLQ\RXUFKLOGRUVWRS
KLPIURPVKDNLQJ2EVHUYH\RXUFKLOG¶VV\PSWRPVFORVHO\DQGPRQLWRUWKHWLPHWKDWWKHVHL]XUH
VWDUWVDQGILQLVKHV7KLVLVKHOSIXOLQIRUPDWLRQWKDWPD\EHUHTXLUHGE\DGRFWRUODWHU'RQRWSODFH
DQ\WKLQJLQWR\RXUFKLOG¶VPRXWK7KHUHLVQRGDQJHURIKLPVZDOORZLQJKLVWRQJXH
• 'RQRWDWWHPSWWRSODFH\RXUFKLOGLQDFRROEDWKGXULQJWKHILW,WLVDOVRQRWUHFRPPHQGHG
WKDW\RXVSRQJH\RXUFKLOGWREULQJKLVIHYHUGRZQDVWKLVFDQLQFUHDVH\RXUFKLOG¶VGLVFRPIRUW
• 0RVWVHL]XUHVZLOOODVWIRU±PLQXWHVDIWHUZKLFKWLPHVHH\RXUGRFWRUZKRZLOODVFHUWDLQ
WKHFDXVHRIWKHIHYHU'RQRWDWWHPSWWRGULYHDFKLOGZKRLVKDYLQJDFRQYXOVLRQWRWKH
KRVSLWDOZLWKRXWWZRDGXOWVSUHVHQW±RQHWRGULYHDQGRQHWRWDNHFDUHRI\RXUFKLOG
,I\RXUFKLOGKDVDVHL]XUHZKLFKODVWVIRUPRUHWKDQPLQXWHVRULIKHIDLOVWR
UHJDLQFRQVFLRXVQHVVDIWHUWKHFRQYXOVLRQVWRSVFDOODQGUHTXHVW
LPPHGLDWHPHGLFDODWWHQWLRQ
+($/7+ (SLOHSV\
•
(SLOHSV\LVRQHRIWKHPRVWFRPPRQQHXURORJLFDOGLVRUGHUVDIIHFWLQJPLO
OLRQSHRSOHZRUOGZLGH'XULQJHSLOHSV\WKHUHLVDPLQLDWXUHHOHFWULFDOµVWRUP¶LQ
WKHEUDLQZKLFKOHDGVWRVHL]XUHVWKDWFDQLQYROYHVHQVRU\GLVWXUEDQFHVVXFKDV
FKDQJHVWRZKDWSHRSOHVHHKHDURUVPHOODOWHUDWLRQVLQFRQVFLRXVQHVVDQG
VWUDQJHRIWHQLQGHVFULEDEOHVHQVDWLRQVDEQRUPDOERG\PRYHPHQWVOLPSVWLII
MHUNLQJPRWLRQVDQGGLVUXSWLRQVRIPRRGDQGFRJQLWLYHIXQFWLRQ
•
,WLVQRWDOZD\VQHFHVVDU\WRFDOODQDPEXODQFHLIDFKLOGLVKDYLQJDVHL]XUH
3HRSOHZLWKNQRZQHSLOHSV\PD\UHFRYHUTXLFNO\DQGPD\QRWEHLQQHHGRIPHGLFDO
DVVLVWDQFH
•
,WLVQHFHVVDU\WRFDOODQDPEXODQFHLILWLVWKHFKLOG¶VILUVWNQRZQVHL]XUHWKH
VHL]XUHLVORQJHUWKDQPLQXWHVDQRWKHUVHL]XUHTXLFNO\IROORZVWKHILUVWRULIWKH
FKLOGKDVEHHQLQMXUHGGXULQJWKHVHL]XUH$SURORQJHGVHL]XUHRUQRWUHJDLQLQJ
FRQVFLRXVQHVVRUDVHULHVRIVHL]XUHVLVNQRZQDV³VWDWXVHSLOHSWLFXV´DQG
LVD0(',&$/(0(5*(1&<
+($/7+
)HEULOHFRQYXOVLRQV
•
&KLOGUHQEHWZHHQWKHDJHVRIPRQWKVDQG\HDUVDUHWKHPRVWVXVFHSWLEOHEXWRQO\
LQFKLOGUHQZLOOH[SHULHQFHWKLVNLQGRIVHL]XUH0RVWKHDOWK\FKLOGUHQRYHUWKHDJHRIVL[ZLOO
QRORQJHUEHYXOQHUDEOHWRWKHP
•
'XULQJDVHL]XUH\RXUFKLOGZLOOXVXDOO\ORVHFRQVFLRXVQHVVIRUXQGHUILYHPLQXWHVGXULQJZKLFK
WLPHKHUEUHDWKLQJPD\EULHIO\VWRSDQGWKHQEHFRPHYHU\VKDOORZVKHPD\WDNHRQDIL[HGVWDUHRU
KHUH\HVPD\UROOEDFNLQKHUKHDGXQWLORQO\WKHZKLWHVDUHYLVLEOHVKHPD\JRUHGRUEOXHLQWKH
IDFHDQGKHUERG\PD\VWLIIHQDQGJLYHZD\WRVSRUDGLFMHUN\PRYHPHQWV:KHQKHUPRYHPHQWV
VWRS\RXUFKLOGPD\JRWRVOHHSIRUDZKLOHDQGZDNHXSLUULWDEOHGLVRULHQWHGDQGFRQIXVHG
•
$IWHUWKHVHL]XUHHQGVSODFH\RXUFKLOGRQKLVVLGHLQWKHUHFRYHU\SRVLWLRQZLWKWKHXSSHU
DUPEHQWDQGUHVWLQJXQGHUWKHKHDGDQGWKHXSSHUNQHHEHQWWRSUHYHQWKLPIURPUROOLQJIRUZDUG
/RRVHQDQ\WLJKWFORWKLQJDQGHQVXUH\RXUFKLOGLVFRPIRUWDEOHZKLOH\RXZDLWIRUWKHGRFWRU
•
)HEULOHFRQYXOVLRQVWHQGWRUXQLQIDPLOLHVDQGDIIHFWER\VPRUHRIWHQWKDQJLUOV
7KHRFFXUUHQFHRIWKHVHW\SHVRIFRQYXOVLRQVGRHVQRWVLJQDOHSLOHSV\DOWKRXJK±RIFKLOGUHQ
ZKRKDYHWKHPZLOOJRRQWRKDYHHSLOHSV\DQGWKH\GRQRWFDXVHEUDLQGDPDJH0RVWIHEULOH
FRQYXOVLRQVDUHRQHRIIHSLVRGHVRIFKLOGUHQZLOOQRWH[SHULHQFHDQRWKHUILW2FFDVLRQDOO\ILWV
PD\FRQWLQXHEXWLQWKHPDMRULW\RIFDVHVWKHRXWORRNIRUFKLOGUHQZKRKDYHH[SHULHQFHGIHEULOH
FRQYXOVLRQVLVJRRGDQGWKH\GRQRWUHTXLUHPHGLFDWLRQ
+($/7+
(SLOHSV\
,I\RXUFKLOGLVGLDJQRVHGZLWKHSLOHSV\
•
%HFRPHIDPLOLDUZLWKWKHILUVWDLGSURFHGXUHIRUVHL]XUHPDQDJHPHQW
•
0DNHVXUHWKDWWKHUHDUHILUVWDLGNLWVLQWKHKRPHDQGFDUDQGWKDWDQ\RQH
FDULQJIRU\RXUFKLOGNQRZVZKDWWRGRLQWKHHYHQWRIDVHL]XUH
•
+DYHZDWHUPDQDJHPHQWVWUDWHJLHVLQSODFHVXFKDVORZHULQJWKHKRWZDWHU
WHPSHUDWXUHLQWKHKRXVHDQGHQFRXUDJLQJ\RXUFKLOGWRVKRZHULQVWHDGRIEDWK
'RQRWOHW\RXUFKLOGVZLPDORQH
•
0DNHVXUH\RXUFKLOGDYRLGVKHLJKWVXQOHVVZLWKDVDIHDGXOW
•
(SLOHSV\FDQEHHIIHFWLYHO\FRQWUROOHGLQ±RIFDVHVDQGFKLOGUHQVKRXOG
EHHQFRXUDJHGWRFRQWLQXHWROHDGKHDOWK\DFWLYHOLYHV
•
)LQGRXWPRUHLQIRUPDWLRQIURP
•
(SLOHSV\$FWLRQ$XVWUDOLD$XVWUDOLDZLGHZZZHSLOHSV\RUJDX
•
1DWLRQDO(SLOHSV\$VVRFLDWLRQRI$XVWUDOLD$XVWUDOLDZLGH
ZZZHSLOHSV\FRPDX
Many games like “pretend” can teach these
skills, and they make a very big difference
when children go to school.
In this section of your toolkit you will find age
appropriate activities; but please mix and match,
there are no hard and fast rules about play,
except that it should be FUN.
Play can also be used to teach children vital
social skills like making eye contact when we
speak to people, turn taking, listening and
giving our attention to others.
Play experiences are vital as our children
explore new ways of doing things, gain skills,
and develop very important internal connections
and understandings about life through the
experience of play.
Piaget said that play is a child’s work,
and never were truer words spoken.
PLAY
3OD\9LVXDO$GYHQWXUHV ±PRQWKV
9LVXDO$GYHQWXUHV
,WWDNHVDPRQWKRUPRUHIRUDQHZERUQEDE\WRFRQWUROH\HPRYHPHQWVDQGIRFXV
FOHDUO\RQREMHFWV:KHQEDE\LVDZDNHDQGDOHUWZHFDQRIIHUVRPHYLVXDODGYHQWXUHV
WRWRQHXSWKHPXVFOHVDURXQGWKHH\HHQFRXUDJLQJEDE\WRORRNDURXQGDQGEHJLQ
WRXQGHUVWDQGKLVRUKHUQHZZRUOG
•
&KRRVHEULJKWO\FRORXUHGREMHFWVUHG\HOORZEOXH
•
/DUJHUSDWWHUQVDUHHDVLHUIRUEDE\WRVHHFOHDUO\UDWKHUWKDQVPDOOEXV\SDWWHUQV
•
%DELHVVHHPWRSUHIHUURXQGHGVKDSHV
•
0DWHULDOWKDWUHIOHFWVOLJKWDOVRVHHPVWRFDWFKWKHLUDWWHQWLRQHJDEDOORI
VFUXQFKHGDOIRLOEXWQRWVXGGHQEHDPVRIEULJKWOLJKW
7XUQWKLVFDUGRYHUIRUVRPHJUHDWLGHDV
3OD\6ZLSLQJ%DWWLQJ*UDVSLQJ±PRQWKV
2QDFUDGOHJ\PRUULEERQVWUHWFKHGDFURVVWKHFRWKDQJVRPHEULJKWO\
FRORXUHGOLJKWZHLJKWREMHFWVIRUEDE\WRVZLSHDQGEDW,WZLOOWDNHD
FRXSOHRIPRQWKVEHIRUHEDE\GHYHORSVWKHFRRUGLQDWLRQRIDUPVKDQGV
DQGILQJHUVWRDFWXDOO\FRQWUROUHDFKLQJRXWDQGJUDVSLQJDQREMHFW
,QWKHPHDQWLPHVZLSLQJDQGEDWWLQJLVJRRGSUDFWLVH
7RVWLPXODWHJUDVSLQJUHIOH[FROOHFWYDULRXVREMHFWVWKDWEDE\PD\EHDEOH
WRKROGLQWKHLUWLQ\KDQG&KRRVHREMHFWVWKDWKDYHGLIIHUHQWWH[WXUHDV
WKH\ZLOOVWLPXODWHEDE\¶VVHQVHRIWRXFKDQGWKHPXVFOHVLQWKHKDQGWR
UHVSRQG
7XUQRYHUIRUVRPHJUHDWLGHDV
3OD\$FWLYLWLHV
%LUWK±PRQWKV
6XJJHVWLRQV
•
•
•
0RELOHV+DQJPRELOHVLQLWLDOO\FORVHWREDE\FPWKHQPRYHDOLWWOH
IXUWKHUDZD\DVEDE\¶VYLVLRQLPSURYHV&KDQJHPRELOHVUHJXODUO\WRFUHDWH
LQWHUHVW$OVRSODFHPRELOHVLQGLIIHUHQWSRVLWLRQVWRHQFRXUDJHEDE\WR
ORRNDURXQG0RELOHVQHHGWREHOLJKWZHLJKWWRPRYHLQWKHEUHH]HDQG
DWWDFKHGILUPO\
9LVXDOWUDFNLQJJDPHV&DSWXUHEDE\¶VDWWHQWLRQZLWKDQLQWHUHVWLQJREMHFW
DQGVORZO\PRYHIURPRQHVLGHWRWKHRWKHURUXSDQGGRZQZKLOHEDE\
YLVXDOO\WUDFNVWKHREMHFW
&KRRVHVRPHFOHDUO\GHILQHGSKRWRVRUSLFWXUHVRIIDFHVDQGGLVSOD\RQ
ZDOODQGWDNHEDE\WRWKHSKRWRJDOOHU\)DFHVDUHPRVWLQWHUHVWLQJREMHFWV
IRUEDELHVWRVWXG\
3OD\$FWLYLWLHV
%LUWK±PRQWKV
•
•
•
%HVXUHQRWWROHDYHWKHVHWKLQJVGDQJOLQJRYHUEDE\ZKLOHWKH\VOHHS
$OZD\VVXSHUYLVHWKHLUSOD\DQGUHPRYHWKHGDQJOHUVJ\PRUULEERQZKHQ
WKH\LQGLFDWHWKH\DUHWLUHGRIWKLVJDPH
&KRRVHVDIHREMHFWVWKDWZLOOQRWFRPHDSDUWHJWDNHFDUHZLWKIOXII\
WKLQJVWKDWPLJKWDOORZIOXIIWRJHWLQEDE\¶VH\HVRUVPDOOWKLQJVWKDWPLJKW
EHFRPHDFKRNLQJKD]DUG
.HHSULEERQVDWWDFKLQJWKHGDQJOHUVVKRUWVRWKDWWKH\ZLOOQRWHQWZLQH
DURXQGEDE\¶VILQJHUVRUKHDG
•
(QVXUHREMHFWVDUHILUPO\DWWDFKHG
•
&KRRVHREMHFWVWKDWDUHFOHDQDQGFDQEHZDVKHGUHJXODUO\
3OD\)UHHGRP7R0RYH±PRQWKV
%DELHVQHHGRSSRUWXQLW\WROHDUQWRPDQDJHWKDWWLQ\DQGDPD]LQJKXPDQIRUP
$OORZD\RXQJEDE\WRKDYHVRPHWLPHXQZUDSSHGDQGIUHHWRPRYH7KLVKHOSV
WKHPWREHFRPHDZDUHRIGLIIHUHQWSDUWVRIWKHLUERG\DQGEHJLQWRGHYHORSVRPH
PXVFOHVWUHQJWKDQGFRQWURO
7KLVWLPHFRXOGEHDOLWWOHH[WUDWLPHGXULQJQDSS\RUGUHVVLQJWLPHDVORQJDV
WKH\ZHUHZDUPRUDVSHFLDOWLPHRQDUXJRQWKHIORRUIRUVRPHWXPP\WLPH
$OLWWOHWLPHRQWKHLUWXPP\HQFRXUDJHVEDE\WRWU\OLIWLQJWKDWKHDY\KHDGDQG
GHYHORSVRPHVWUHQJWKLQDUPVDQGQHFN7KLVWLPHZRXOGRQO\EHIRUDIHZ
VKRUWPLQXWHV
,WLVQRWUHFRPPHQGHGWKDWEDELHVEHSXWWRVOHHSRQWKHLUWXPPLHV
,WLVUHFRPPHQGHGWRJLYHEDE\VRPHSOD\WLPHRQWKHLUWXPP\EXWQRW
UHFRPPHQGHGWRSXWEDE\WRVOHHSRQWKHLUWXPP\9LVLWWKH6,'6ZHEVLWHIRU
PRUHLQIRUPDWLRQZZZVLGVDQGNLGVRUJRURUGHU6DIH6OHHSLQJ/HDIOHWE\
SKRQLQJ
3OD\$%DODQFLQJ$FW ±PRQWKV
,QWKHILUVWIHZPRQWKVLWKHOSVWRFDUU\EDE\LQGLIIHUHQWZD\VVRWKH\
•
•
•
IHHOWKHLUERGLHVLQGLIIHUHQWSRVLWLRQV
GHYHORSPXVFOHVVWUHQJWKLQEDODQFLQJWKHLUERGLHVLQWKHVHGLIIHUHQWSRVLWLRQV
DQGGLIIHUHQWSRVLWLRQVDOORZWKHPWRVHHWKHZRUOGIURPDGLIIHUHQWYLHZSRLQW
6RLIEDE\LVDZDNHOHWKLPKHUFKHFNRXWWKHZRUOGIURPDGLIIHUHQWSRLQWRIYLHZ
•
•
%HVXUHWRVXSSRUWWKHLUKHDGDVLQSURSRUWLRQWRWKHLUERG\WKHLUKHDGLV
ELJDQGKHDY\
$YRLGSURSSLQJEDE\XSLQWRDVLWWLQJSRVLWLRQEHIRUHWKH\DUHDEOHWRKROGWKLV
SRVLWLRQWKHPVHOYHV
2QWKHEDFNRIWKLVFDUGDUHVXJJHVWLRQVIRUKRZWRFDUU\D
EDE\DQGORRNDIWHU\RXUEDFN
3OD\$FWLYLWLHV
%LUWK±PRQWKV
6XJJHVWLRQV
•
&KRRVHDZDUPIODWVXUIDFH
•
6WD\ZLWKEDE\DQGREVHUYHZKHQWKH\WLUHRIWKHSOD\
•
/D\EDE\JHQWO\RQWKHUHWXPP\ZLWKDUPVEURXJKWIRUZDUGWRVXSSRUWWKHPVHOYHV
•
3ODFHDQLQWHUHVWLQJWR\DOLWWOHIRUZDUGRUOLHGRZQDWWKHLUOHYHO\RXUVHOIWR
HQFRXUDJHWKHPWROLIWWKHLUKHDGDQGORRNXSDW\RX
•
'LIIHUHQWWH[WXUHVRQWKHUXJPD\DOVRHQFRXUDJHWKHPWRSXVKXS
•
:KHQEDE\WLUHVUROOWKHPJHQWO\RYHU0D\EHWKH\PLJKWWKHQHQMR\VRPH
JHQWOHKDQGFODSSLQJZKLOH\RXKROGWKHLUKDQGVSHUKDSVDIRRWPDVVDJHRU
DERG\DZDUHQHVVSRHP
3OD\$FWLYLWLHV
%LUWK±PRQWKV
6XJJHVWLRQV
6XSSRUWLQJEDE\LQ\RXUDUPVDJDLQVW\RXUERG\WKH\FDQ
•
•
•
)DFHRYHU\RXUVKRXOGHUVWRREVHUYHWKLQJVPRYLQJDZD\
5HVWZLWKWKHLUEDFNDJDLQVW\RXWRORRNDKHDGDQGREVHUYHWKLQJVPRYLQJWRZDUGV\RX
/RRNGRZQZKLOHWKH\OLHDFURVV\RXUODS
7DNHFDUHRI\RXUEDFNWRRZKHQSLFNLQJXSDQGFDUU\LQJEDE\
•
•
•
%ULQJEDE\FORVHWR\RXDQG\RXUFHQWUHRIJUDYLW\EHIRUHOLIWLQJWKHP
7U\WRNHHS\RXUEDFNVWUDLJKWZKHQOLIWLQJDQGQRWVWRRSRUVWUDLQ\RXUEDFN
6TXDWGRZQWRSLFNXSEDE\DQGSXVKXSZLWK\RXUOHJPXVFOHVDVOHJPXVFOHV
DUHELJJHUDQGVWURQJHUWKDQEDFNPXVFOHV
3OD\/LVWHQLQJ7LPH %LUWK±PRQWKV
/LVWHQLQJ7LPH
'XULQJWKHILUVWPRQWKRUVRDOWKRXJKEDE\GRHVQRWKDYHWKHVWUHQJWKWR
WXUQWKHLUKHDGWRZDUGVDVRXQGWKH\VWLOOWDNHDJUHDWLQWHUHVWLQOLVWHQLQJ
,QIDFWWKHLUKHDULQJLVIXOO\GHYHORSHGDFRXSOHRIPRQWKVEHIRUHELUWK
%DE\ZLOODOUHDG\EHIDPLOLDUZLWKUHJXODUVRXQGVLQWKHLUHYHU\GD\ZRUOG
/HWEDE\VSHQGWLPHLQGLIIHUHQWDUHDVRIWKHKRXVHWRKHDUWKHFODWWHURI
WKHNLWFKHQDQGRWKHUVDWZRUNRUSOD\:HFDQDOVRSURYLGHVRPHLQWHUHVWLQJ
OLVWHQLQJH[SHULHQFHVHVSHFLDOO\IRUEDE\
2QWKHEDFNRIWKLVFDUGDUHVXJJHVWLRQVIRUOLVWHQLQJDFWLYLWLHV
3OD\7RXFK\)HHO\%DELHV±PRQWKV
%DELHVORYHWRH[SORUHGLIIHUHQWWH[WXUHVZLWK
WKHLUKDQGVDQGWKHLUPRXWKV
2QFHDEDE\LVVLWWLQJXSDQGFDQFRRUGLQDWHKLVKHU
KDQGVWRJUDVSDQGUHOHDVHWKLQJVWKH\ZLOOH[SORUH
YLJRURXVO\DQ\QHZREMHFWJUDEELQJVKDNLQJEDQJLQJ
WDVWLQJSDVVLQJLWHPVIURPKDQGWRKDQGGURSSLQJ
DQGWKURZLQJ
7R\VDQGSOD\WKLQJVIRUWKHROGHULQIDQWQHHGWREHTXLWH
VWXUG\URXQGHGZLWKRXWVKDUSHGJHVDQGZDVKDEOH
&KHFNUHJXODUO\WKDWSOD\WKLQJVKDYHQRWEHFRPH
FUDFNHGRUEURNHQRUWKDWSLHFHVDUHEHFRPLQJGLVORGJHG
DQGFRXOGEHFRPHDFKRNLQJKD]DUG
2QWKHEDFNRIWKLVFDUGDUHVXJJHVWLRQVIRUWH[WXUHDFWLYLWLHV
3OD\$FWLYLWLHV
%LUWK±PRQWKV
6XJJHVWLRQV
•
•
•
•
7DNLQJWKHWLPHWRWDONWREDE\LVYHU\LPSRUWDQWEHFDXVHHYHQWKRXJK
WKH\FDQQRWUHVSRQGWKH\ZLOOEHFRPHIDPLOLDUZLWKRXUSDWWHUQVRIVRXQGV
VHQWHQFHVWUXFWXUHVDQGRXUFRQYHUVDWLRQDOZD\V6RVWRSZKHQ\RXDUH
SDVVLQJDQGWHOOEDE\DERXW\RXUDFWLYLW\3DXVHLQ\RXUFRQYHUVDWLRQDV
\RXZRXOGWDONLQJZLWKRWKHUVDQGFDWFKWKHLUH\HVREDE\ZLOOEHFRPH
DZDUHRIWKHWZRZD\QDWXUHRIFRQYHUVDWLRQ
&KRRVHVRPHTXLHWDQGEHDXWLIXOPXVLFIRUEDE\¶VOLVWHQLQJ7KHUHDUH
VSHFLDOO\SURGXFHGPXVLF&'VDQGWDSHVIRUEDELHV<RXFRXOGERUURZ
VRPHIURPOLEUDU\WRWU\EHIRUH\RXEX\
+DQJVRPHFKLPHVWKDWZLOOJHQWO\PRYHDQGFUHDWHPXVLFLQWKHEUHH]H
7DNHEDE\RXWGRRUVIRUDZDONRUVRPHZKHUHZKHUH\RXFDQVLWIRUD
FXGGOHDQGDOLVWHQWRWKHVRXQGVRIQDWXUH
3OD\$FWLYLWLHV±PRQWKV
0DNHVRPHVFUXQFKLHEDJVRXWRIRUDQJHPHVKEDJVDQGILOOZLWKWH[WXUHG
IDEULF7LHXSVHFXUHO\DQGOHWEDE\JUDEVTXHH]HVFUXQFKDQGWKURZ
,QWHUHVWLQJIDEULFVPLJKWLQFOXGHWXOOHQHWWLQJEXEEOHZUDSUXVWOLQJ
ZUDSSLQJSDSHURUSHUKDSVDIHZFRWWRQUHHOVWKDWZLOOUDWWOHWRJHWKHU
•
•
•
.HHSDEDVNHWRILQWHUHVWLQJWR\VDQGKRXVHKROGSOD\WKLQJVIRUEDE\WR
H[SORUH)RUH[DPSOHUDWWOHVFRWWRQUHHOVRQDORRSRIULEERQPHDVXULQJ
FXSVVRIWEDOOVHWF&KDQJHSOD\WKLQJVUHJXODUO\WRPDLQWDLQLQWHUHVW
0DNHVRPHILUVWLQVWUXPHQWVRXWRIKRXVHKROGLWHPVIRUEDE\WRH[SORUH
EDQJLQJDQGVKDNLQJHJDELVFXLWWLQDQGDVKRUWKDQGOHGVSRRQLVJRRG
IRUGUXPPLQJ6RPHFOHDQVKDPSRRERWWOHVZLWKVKDNLQJPDWHULDOLQVLGH
WKDWPDNHVGLIIHUHQWVRXQGVDQGZHLJKVERWWOHVGLIIHUHQWO\ZLOODOVREH
LQWHUHVWLQJ%HVXUHOLGVDUHVHFXUHVRPDWHULDOLQVLGHGRHVQ¶WHVFDSH
͘3OD\LQJZLWKFRQWDLQHUV ±PRQWKV
$VDQLQIDQW¶VYLVLRQGHYHORSVWKH\WDNHDQLQWHUHVWLQGHSWKRIYLVLRQHJGURSSLQJ
WKLQJVRYHUWKHHGJHRIWKHLUKLJKFKDLURURXWRIWKHLUFRW
2IFRXUVHWKH\ZDQW\RXWRSLFNWKRVHWKLQJVXSDQGUHWXUQWRWKHPVRWKH\FDQ
LPPHGLDWHO\GURSWKHPDJDLQ
:LWKWKHLUPHPRU\GHYHORSLQJWRRLQIDQWVDOVRILQGSXWWLQJWKLQJVLQWRFRQWDLQHUV
DQGKLGLQJDQLQWHUHVWLQJJDPHDVZHOO2QFHWKH\DUHZDONLQJWKLVFDQDOVR
LQFOXGHKLGLQJWKLQJVLQWKHWRLOHWRUVZLQJWRSWLG\ELQ
&RQWDLQHUVWKDWVWDFNLQVLGHHDFKRWKHUVHHPWREHSDUWLFXODUO\LQWHUHVWLQJIRUWKLV
DJHJURXSDQGXVXDOO\LQFOXGHVSOD\LQJZLWKWKHNLWFKHQVDXFHSDQVDQGFODWWHULQJ
OLGV
7XUQWKLVFDUGRYHUIRUVRPHJUHDWLGHDV
&DXVHDQG(IIHFW3OD\±PRQWKV
7KHROGHULQIDQWEHJLQVWRGHYHORSDQXQGHUVWDQGLQJRIWKHSURFHVVRI³FDXVHDQG
HIIHFW´LHWKDWLI\RXGRWKLVWKHQVRPHWKLQJHOVHZLOOKDSSHQ
3RSXSWR\VWKDWUHTXLUHSXVKLQJPRYLQJDQGWXUQLQJRIEXWWRQVFUHDWH
VXUSULVHVWKDWZLOOLQWHUHVWWKHFKLOGDQGHQFRXUDJHWKHPWRFRQWLQXHSUDFWLVLQJ
WKHUHTXLUHGKDQGFRQWURODQGDVZHOOGHYHORSPHPRU\DVWRZKDWPLJKWKDSSHQ
6DIHW\ZDUQLQJQRZWKDW\RXUJUDQGFKLOGLVPRUHPRELOH
UHPHPEHUWRVDIHW\FKHFN\RXUKRXVHVKHGVJDUDJHDQG
\DUGUHJXODUO\
6HHZHEVLWHZZZNLGVDIHQVZRUJIRUDKRPHVDIHW\FKHFNOLVWWRKHOSNHHS
\RXQJFKLOGUHQVDIH
7KH16:'HSDUWPHQWRI&RQVXPHUDQG)DLU7UDGHKDYHERRNOHWVRQVDIHWR\V
DQGQXUVHU\IXUQLWXUH9LVLW\RXUORFDOFHQWUHVLQ/LVPRUHDQG*UDIWRQ
3OD\LQJZLWKFRQWDLQHUV
±PRQWKV
6XJJHVWLRQV
•
'HFRUDWHDQHPSW\WLVVXHER[RUFXWDKROHLQDSODVWLFLFHFUHDPER[WR
PDNHDVSHFLDOVXUSULVHER[5HJXODUO\FKDQJHWKHREMHFWV\RXKLGHLQ
WKHUHIRUFKLOGWRGLVFRYHU7U\W\LQJVHYHUDOVFDUYHVWRJHWKHUIRUFKLOGWR
SXOORXWDQGWKHQWU\WRSXWWKHPEDFNLQWKHVXUSULVHER[
•
•
&ROOHFWFRQWDLQHUVWKDWILWLQVLGHHDFKRWKHUHJPHDVXULQJFXSVRURWKHU
LQWHUHVWLQJFRQWDLQHUVOLNHSXUVHVRUEDJVWKDWRSHQDQGFORVHLQGLIIHUHQW
ZD\V3URYLGHVRPHVPDOOEXWVDIHWR\VWRKLGHDZD\DQGILQGDJDLQ
%HVXUHWKHIDVWHQHUVRQSXUVHVDUHQRWWRRGLIILFXOWWRIUXVWUDWHEDE\
$UUDQJHVRPHHPSW\ER[HVDQGEDVNHWVDURXQGWKHKRXVHIRUWKHZDONLQJ
LQIDQWWRGURSLQWR\VDQGREMHFWVDVWKH\FROOHFWDQGJDWKHUGXULQJSOD\
&DXVHDQG(IIHFW3OD\ ±PRQWKV
6XJJHVWLRQV
6RPHFDXVHDQGHIIHFWJDPHVIRULQIDQWVFRXOGLQFOXGH
•
•
+LGLQJDWR\XQGHUDFORWKWKHQVKRZLQJEDE\KRZWRSXOOWKHFORWKDZD\WR
ILQGWKHWR\DJDLQ
5ROOLQJDEDOOGRZQDFDUGERDUGWXEHWRGLVFRYHULWUROOLQJRXWWKHRWKHUHQG
2OGHULQIDQWVZLOODOVRZDQWWRH[SORUHVRPHFDXVHDQGHIIHFWDFWLYLWLHVWKDWZLOO
QRWEHVDIHIRUWKHPHJSUHVVLQJWKHEXWWRQVRQWKH79RUVWHUHRRUSRZHU
SRLQWV:HQHHGWRFRQVWDQWO\VXSHUYLVHWKHLUDFWLYLW\DQGRIIHU
LQWHUHVWLQJDQGVDIHSOD\DQGGLVFRYHU\H[SHULHQFHV7KHLUGULYHWRH[SORUHLV
VWURQJDQGDWWKLVDJH\RXQJFKLOGUHQGRQRW\HWXQGHUVWDQG³QR´RU³GRQ¶WWRXFK´
3OD\ &UDZOLQJ)XQ ²PRQWKV
&RRUGLQDWLQJFUDZOLQJLVDELJDFKLHYHPHQWDQGQRZWKDWWKH\RXQJLQIDQWLVRQ
WKHJRLW¶VSUREDEO\WLPHWRUHRUJDQL]HWKHKRXVHDQGPDNHLWVDIHIRUWKHP
&XSERDUGVZLWKXQVDIHREMHFWVQHHGVDIHW\ORFNVGRRUVWRURRPVQHHGWREH
KRRNHGEDFNVWDLUZD\VJDWHGVPDOOREMHFWVWKDWFRXOGEHFRPHFKRNLQJKD]DUGV
NHSWRXWRIUHDFK7DEOHFORWKVDQGGDQJOLQJREMHFWVIURPRYHUKHDGPD\QRZ
EHZLWKLQEDE\¶VUHDFKDQGQHHGWREHUHPRYHG,WLVDWLPHIRUFRQFHUQEXWVWLOO
DWLPHWREHDSSODXGHGDQGHQMR\HG
:KHQWKHGHFNVDUHFOHDUHGZHFDQFUHDWHVRPHLQWHUHVWLQJFUDZOLQJSODFHVDQG
JDPHVWKDWZLOOKHOSWKLV\RXQJFKLOGGHYHORSVWUHQJWKDQGFRRUGLQDWLRQRIWKRVH
DUPVDQGOHJV
7XUQWKLVFDUGRYHUIRUVRPHJUHDWLGHDVDERXW
FUDZOLQJDGYHQWXUHV
3OD\&UXLVLQJDQG:DONLQJ ²PRQWKV
&UXLVLQJDQG:DONLQJ
7KHFUDZOLQJLQIDQWZLOOVRRQGHYHORSWKHVWUHQJWKLQWKHLUOHJVDQGWKHFRRUGLQDWLRQ
WRSXOOWKHPVHOIXSWRVWDQGLQJSRVLWLRQ
2QFHWKH\FDQPDQDJHWKHLUEDODQFHWKH\ZLOOEHJLQWRWDNHVLGHVWHSVDQGFUXLVH
DORQJWKHORXQJHDQGRWKHUIXUQLWXUH
5DWKHUWKDQDQDGXOWKROGLQJWKHLUKDQGVDQGOHDGLQJDQLQIDQWDORQJLWLVEHWWHU
WKDWWKH\OHDUQWRSXOOXSDQGILQGWKHLURZQEDODQFHWKHQVWHSRXWLQWKHLURZQ
WLPHZKHQOHDUQLQJWRZDON
3OD\ &UDZOLQJ)XQ ²PRQWKV
6XJJHVWLRQV
•
&RQWDFWVRPHODUJHSLFWXUHVDQGWDSHRQWKHIORRUIRUEDE\WRGLVFRYHULQKLV
RUKHUWUDYHOV
•
•
)LQGVRPHUROOLQJWR\VVXFKDVEDOOVDQGF\OLQGHUVWRFKDVH
&UHDWHVRPHPLQLWXQQHOVWRYHQWXUHWKURXJK7KHVHFDQEHPDGHE\
DUUDQJLQJIXUQLWXUHRUFUHDWHGZLWKDODUJHRSHQHQGHGER[ZKLFKFDQEH
VXSSRUWHGRQWKHRXWVLGHE\FXVKLRQV
&UHDWHDSLOORZPRXQWDLQWRFOLPEXS&RYHUWKHSLOORZVZLWKDODUJHUXJDQG
VXSHUYLVHFORVHO\WKDWEDE\GRHVQ¶WWXPEOHGRZQDQGJHWFDXJKWXQGHU
SLOORZV3ODFHDWR\RQWRSRIPRXQWDLQWREHFODLPHGIRUSOD\DIWHUZDUGV
•
3OD\FUDZOLQJFKDVLHJDPHVRUKLGLHVLQDVDIHSODFHDURXQGIXUQLWXUH
•
3OD\&UXLVLQJDQG:DONLQJ
²PRQWKV
6XJJHVWLRQV
$GXOWVFDQKHOSE\HQVXULQJ
•
,QIDQWVSUDFWLFHLQDVDIHHQYLURQPHQW
•
7KDWWKHIXUQLWXUHWKH\SXOOXSRQLVVWXUG\DQGZLOOQRWPRYHDZD\
•
•
)XUQLWXUHFDQEHVSDFHGDOLWWOHDQGWR\VSODFHGVWUDWHJLFDOO\DORQJDWWKH
FKLOG¶VH\HOHYHOWRHQFRXUDJHWKHPWRFUXLVHDORQJDQGVWHSDFURVVDVSDFH
$QGZKDWDMR\WRZHOFRPHWKHPZLWKRSHQDUPVZKHQWKH\GRWDNHWKDW
ILUVWVWHSRXWLQWRDQRSHQVSDFH
3OD\±ZKHUHWRJHWLGHDVWR\VDQGUHVRXUFHV
%RUURZWR\VIRUEDE\IURPD7R\/LEUDU\&RQWDFW\RXUORFDOFRXQFLORUQHLJKERXU
KRRGFHQWUHIRUGHWDLOVRIDWR\OLEUDU\QHDU\RX8VXDOO\WR\OLEUDULHVDUHRSHQRQH
RUWZRPRUQLQJVSHUZHHNDQGIRUDQDQQXDOIHH\RXFDQERUURZWR\VFKDQJLQJ
WKHPZHHNO\RUNHHSLQJWKHPIRUXSWRDPRQWKLI\RXZLVK
7KH16:'HSDUWPHQWRI&RPPXQLW\6HUYLFHVKDVDQLQWHUHVWLQJZHEVLWHZLWKD
3DUHQWLQJ6HFWLRQWKDWKDVIDFWVKHHWVWRKHOSSDUHQWVFDUHIRUEDELHVDQG\RXQJ
FKLOGUHQ,QWKHUHVRXUFHVVHFWLRQWKHUHDUHVRPHJDPHFDUGVDQGLGHDVIRUSOD\
-RLQDSOD\JURXSQHDU\RXRUVWDUW\RXRZQSOD\JURXSWRVKDUHSOD\LGHDV
ZLWKRWKHUV&RQWDFWWKH3OD\JURXS$VVRFLDWLRQRQRU
YLVLWWKHLUZHEVLWHZZZSOD\JURXSDXVWUDOLDFRPDX
7KH<:&$/LVPRUH&RPPXQLWLHVIRU&KLOGUHQ5HVRXUFH%RRNOHW
IRU3DUHQWV&DUHUVOLVWVVRPHVSHFLDOSOD\JURXSVLQWKH/LVPRUH$UHD
)RUDFRS\RIWKLVERRNOHWSKRQH
3OD\3UHWHQG3OD\PRQWKVWR\HDUV
6LPSOHSUHWHQGSOD\KHOSVGHYHORSD\RXQJ
FKLOG¶VLPDJLQDWLRQFUHDWLYHWKLQNLQJDQG
SUREOHPVROYLQJ
7RGGOHUVZLOOSUHWHQGWRGRWKLQJVWKDWWKH\
VHHRWKHUVGRLQWKHLUHYHU\GD\OLIHHJSXW
EDE\RUGROO\WREHGFRRNGLQQHUJR
VKRSSLQJGULYHDSUHWHQGFDU
:HFDQVXSSRUWWKHLUSUHWHQGSOD\E\RIIHULQJVRPHHDV\WRXVHSURSVDQG
HQFRXUDJHWKHLUSOD\ZLWKOLWWOHVXJJHVWLRQVHJ³,VEDE\WLUHGQRZ":LOOZHWXFN
KHULQWREHG"´-XVWDFXVKLRQDQGDOLWWOHUXJZLOOEHHQRXJKIRUDWRGGOHUWR
PDQDJHZUDSSLQJGROO\XSWKHQWROD\KHURQDFXVKLRQEHG
7XUQWKLVFDUGRYHUIRULGHDVDERXWµSUHWHQG¶SOD\
3OD\²ZKHUHWRJHWLGHDVWR\VDQGUHVRXUFHV
7KHZHEVLWHKWWSUDLVLQJFKLOGUHQQHWDXLVDQLQWHUHVWLQJZHEVLWHDERXWKRZFKLOGUHQOHDUQ
DQGKRZSDUHQWVFDQHQFRXUDJHDQGVXSSRUWWKHLUFKLOGUHQ7KHLQIRUPDWLRQLVSUHVHQWHGLQ
GLIIHUHQWZD\VDQGLVHDV\WRIROORZ
7KH<:&$/LVPRUH&RPPXQLWLHVIRU&KLOGUHQ5HVRXUFH%RRNOHWIRU3DUHQWV
&DUHUVOLVWVVRPHVSHFLDOSOD\JURXSVLQWKH/LVPRUH$UHD)RUDFRS\RIWKLVERRNOHW
SKRQH7KLVERRNOHWDOVROLVWVFKLOGFDUHFHQWUHVDQGSUHVFKRROVLQ/LVPRUH
236KRSVDUHIDQWDVWLFSODFHVWRJHWGUHVVXSVDQGDOOVRUWVRIWKLQJVIURPWKH
NLWFKHQZDUHVHFWLRQIRUSOD\GRXJKDQGFOD\WRROVDQGDOVRIRUPDNHEHOLHYHJDPHV
$OVRJUHDWWRJHWWKLQJVWRVWDFNDQGXVHIRUWLSSLQJDQGSRXULQJJDPHVLQWKHEDWKRU
RXWVLGHRQDVXQQ\GD\,I\RXKDYHDGRXEOHVLQN\RXFDQOHWDOLWWOHRQHVWDQGRQD
FKDLUQH[WWR\RXDQGZDVKXSWKHLUFROOHFWLRQRISODVWLF³GLVKHV´ZKLOH\RXGR\RXUV
3OD\3UHWHQG3OD\PRQWKVWR\HDUV
6XJJHVWLRQV
•
•
•
•
%DE\SOD\:HFRXOGRIIHUWRGGOHUVDOLWWOHERWWOHWRIHHGEDE\RUDFXSDQG
VSRRQWRIHHGEDE\VRPHGLQQHU&XVKLRQVDQGVPDOOUXJVWRSXWEDE\WREHG
6RPHHDV\WRPDQDJHFORWKHVHJEDE\VLQJOHWDQGSXOORQSDQWVIRUGUHVVLQJ
EDE\DQGDVWUROOHUWRWDNHEDE\IRUDZDON
6KRSSLQJ:HFRXOGRIIHUVRPHJUHHQVKRSSLQJEDJVZLWKVKRUWHUKDQGOHVDQG
VRPHHPSW\IRRGSDFNHWVVWDFNHGRQDVKHOIDZDOOHWZLWKSUHWHQGSDSHU
PRQH\RUSODVWLFFDUGDQGDWUROOH\
'UHVVLQJXSPLJKWQHHGVRPHELJVKRHVEDJVDQGKDWV6NLUWVVKRUWVDQG
WRSVQHHGWREHHDV\WRSXOORQ$IXOOVL]HGPLUURUZRXOGEHXVHIXOWRR
$SLFQLFRUVRPHZKHUHWRYLVLWPLJKWFUHDWHVRPHH[FLWHPHQWDIWHUZDUGV
$ODUJHFDUGERDUGER[ZLWKERWWRPFXWRXWGHFRUDWHGZLWKSDSHUSODWH
ZKHHOVDQGVRPHVKRXOGHUVWUDSVDWWDFKHGLVHDV\WRGULYHDZD\$URZRI
FKDLUVPDNHVDQHDV\EXVWRJRWRWRZQZLWKDOOWKHGROOVDQGWHGGLHV
3OD\%ORFN3OD\
PRQWKVWR\UV
7RKHOSWRGGOHUVGHYHORSKDQGFRQWURODQGSUHFLVLRQRIIHUDYDULHW\RIEORFNSOD\
7REHJLQZLWK\RXQJFKLOGUHQPD\VLPSO\FDUU\WKHEORFNVDURXQGGHSRVLWLQJWKHP
LQOLWWOHSLOHV6KRZWKHPKRZWRVWDFNWKHEORFNVRUSODFHWKHPLQURZV
:LWK\RXULQWHUDFWLRQWKH\ZLOOEHJLQWREXLOG
-XVWVWDQGLQJWKHEORFNVXSDQGSXWWLQJDVPDOOWR\RUDQLPDORQWRSRIHDFKVHHPV
WRFDSWXUHWKHLUDWWHQWLRQWRWDNHRQWKHFKDOOHQJH
7RGGOHUSOD\ZLWKEORFNVZLOOEHYHU\VLPSOHEXWLWZLOOUHTXLUHFRQFHQWUDWLRQDQG
FDUHIXOSUHFLVHKDQGVDQGH\HFRRUGLQDWLRQ
7XUQWKLVFDUGRYHUIRUVRPHJUHDWLGHDVDERXW
PDNLQJ\RXURZQEORFNV
3OD\'UDZLQJ3DLQWLQJPRQWKVWR\UV
7RGGOHUVZLOOEHJLQWRH[SHULPHQWZLWKZULWLQJPDWHULDOVWDNLQJDQDGXOWSHQDQG
ZULWLQJRQDQ\WKLQJLQVLJKW,W¶VWLPHWRVHWXSDGUDZLQJDQGSDLQWLQJDUHDZLWK
VXLWDEOHQRQWR[LFWH[WDVDQGSDLQWVJLYLQJWKHPWLPHDQGVSDFHWRH[SHULPHQW
$WWKLVVWDJHWRGGOHUVZLOOEHOHDUQLQJKRZWRPDQLSXODWHDQGFRQWUROWKHGUDZLQJ
DQGSDLQWLQJWRROVUDWKHUWKDQFUHDWLQJUHFRJQLVDEOHSLFWXUHV7RGGOHUVWHQGWRJULS
WKHEUXVKHVDQGWH[WDVYHU\WLJKWO\LQDIXOOILVWJULSXVLQJZKROHDUPPRYHPHQWWR
GUDZDOLQHVRVWDQGLQJXSWRGUDZRUSDLQWDOORZVWKHPWREDODQFHWKLVPRYHPHQW
7KLFNFKXQN\WH[WDVFKDONVFUD\RQVDQGSDLQWLQJEUXVKHVDUHHDVLHUIRUWKHPWR
KROG3DSHUSHJJHGRQDQHDVHORUWDSHGRQDWDEOHLVHDVLHUIRUWRGGOHUVWRR
0RUHLGHDVRQUHYHUVH
3OD\%ORFN3OD\PRQWKVWR\UV
6XJJHVWLRQV
0DNHVRPHHDV\EXWVWXUG\EORFNVIRUWRGGOHUV
:DVKHGDQGGULHGPLONFDUWRQVFDQEHVWXIIHGZLWKVFUXQFKHGXSQHZVSDSHUV
WKHQWDSHGVKXW*RRGIRUPDNLQJORQJOLQHVRUSDGGRFNVIRUWR\DQLPDOV
•
6PDOOVWXUG\FDUGERDUGER[HVFDQVLPSO\EHWDSHGFORVHG7KH\DUHELJEXW
HDV\WRFDUU\DQGVWDFNXSKLJKDQGZKHQNQRFNHGGRZQDUHOLJKWZHLJKW
DQGVDIH
•
2IIFXWVRIVRIWZRRGIURPDMRLQHU\FDQEHFXWDQGVDQGHGWRFUHDWHPRUH
GXUDEOHEORFNV
•
&DPSKRU/DXUHOEUDQFKHVFDQEHFXWLQWRURXQGVDQGVDQGHGWRPDNH
LQWHUHVWLQJVSHFLDOO\VFHQWHGEORFNV
•
3OD\'UDZLQJDQG3DLQWLQJPRQWKVWR\UV
6XJJHVWLRQV
•
6KHHWVRIERDUGDOUHDG\SDLQWHGZLWKFKDONERDUGSDLQWFDQEHSXUFKDVHGDWD
UHDVRQDEOHSULFHIURPDKDUGZDUHVKRS&KDONVFULEEOHVFDQEHHDVLO\ZDVKHG
RIIZLWKSODLQZDWHU'UDZLQJRQWKHZHWVXUIDFHFKDQJHVWKHFRORXUVWRR
•
$ODUJHZKLWHERDUGZLWKFKXQN\ZDWHUVROXDEOHWH[WDVVDYHVORWVRISDSHU
•
7KHHQGUROOVRIQHZVSDSHUIURPDQHZSDSHUSURGXFWLRQFHQWUHDUHYHU\
FKHDSDQGSURYLGHVORDGVRISDSHU
•
3DLQWFDQEHPDGHXVLQJFHOOPL[IURPFUDIWRUWR\VKRSDQGDGGLQJSRZGHU
SDLQWV*HQHUDOO\WKHVHSDLQWVZDVKRXWEHWWHUWKDQDFU\OLFSDLQWV
•
2QVXQQ\GD\VWU\VRPHSRZGHUSDLQWLQZDWHUDQGXVHDELJEUXVKRUVPDOO
UROOHUWRSDLQWDIRRWSDWKRUIHQFHDQGZDWFKWKHSDLQWLQJHYDSRUDWHDZD\
•
$VSUD\ERWWOHILOOHGZLWKZDWHUDQGSRZGHUSDLQWQHHGVORWVRIKDQGFRQWURO
WRVTXLUWDPD]LQJVSUD\SDWWHUQVRQDUROORISDSHUSHJJHGWRWKHIHQFH
3OD\6DQG:DWHU3OD\PRQWKVWR\UV
,WLVGLIILFXOWZKHQ\RXDUHMXVWOHDUQLQJ
QRWWRVSLOOGULQNVDQGGURSIRRGDQGLW
GRHVQRWKHOSEXLOGDFKLOG¶VFRQILGHQFHWR
EHUHSULPDQGHGZKHQWKHVHWKLQJVKDSSHQ
$GXOWVQHHGWREHSDWLHQWZLWKWRGGOHUVDQG
WRGGOHUVQHHGSUDFWLFH
2SSRUWXQLWLHVWRSUDFWLFHSRXULQJVWLUULQJDQG
XVLQJKDQGKHOGHTXLSPHQWLVQHHGHGLQDQRIDLO
VLWXDWLRQZKHUHLWGRHVQ¶WPDWWHULIDOLWWOHPHVVLV
LQYROYHG6DQGDQGZDWHUSOD\SURYLGHVVXFKD
VXLWDEOHRSSRUWXQLW\DQGLVVRVRRWKLQJDQG
VDWLVI\LQJWRR
7XUQRYHUIRUVXJJHVWHGDFWLYLWLHV
3OD\)LQJHUSDLQWLQJ
PRQWKVWR\HDUV
$QRWKHUVRRWKLQJVDWLVI\LQJQRIDLODFWLYLW\IRUWRGGOHUVLVILQJHUSDLQWLQJ
•
•
•
3UREDEO\EHVWRXWGRRUVRQWKHJUDVVLQWKHVKDGHZKHUHLWZLOOEHHDV\WRFOHDQ
XS3DLQWLQJGLUHFWO\RQWKHWDEOHLVHDVLHVWEXWLI\RXZDQWWRFRQWDLQWKHSDLQW
WU\SXWWLQJDIHZGROORSVRQDWUD\WKDWLVODUJHHQRXJKIRUDWRGGOHUVWRVZLUO
WKHLUDUPVDURXQG
7ZRFRORXUVWKDWPL[WRFUHDWHDWKLUGFRORXULVDQLQWHUHVWLQJH[SHULHQFHVRWU\
UHGDQG\HOORZRU\HOORZDQGEOXHDQGVRRQ
'LIIHUHQWWH[WXUHVFDQEHDGGHGWRFKDQJHWKHVHQVRU\IHHOHJVRPHFRQIHWWL
RUDQRWKHUGD\VRPHVDQGDQGVRRQ
%HVXUHWRKDYHSOHQW\RIQHZVSDSHUDQGGDPSFORWKVQHDUE\WRFOHDQXS
DIWHUZDUGV7RGGOHUVRIWHQHQMR\WKHWDEOHZDVKLQJWRR
•
7XUQWKLVFDUGRYHUIRUILQJHUSDLQWLQJIXQ
3OD\6DQG:DWHU3OD\PRQWKVWR\HDUV
6XJJHVWLRQV
•
%DWKWLPHLVDQREYLRXVWLPHWRSUDFWLFH2IFRXUVHFORVHDGXOWVXSHUYLVLRQLV
QHHGHGWRHQVXUHWRGGOHUVWD\VVDIHDQGWKDWWKHEDWKURRPZLOOQRWEHWRWDOO\
GUHQFKHG3URYLGHVRPHSODVWLFFXSVDQGMXJVDQGVRPHVSRRQVWRFDWFK
EXEEOHV0D\EHDZDWHUSURRIGROOWRIHHG)XQQHOVVLHYHVDQGRWKHUNLWFKHQ
XWHQVLOVDOVRSURYLGHVRPHLQWHUHVWLQJOHDUQLQJH[SHULHQFHV
•
6DQGLVKHDYLHUDQGUHTXLUHVPRUHVWUHQJWKEXWLW¶VWH[WXUHDQGIORZLQJ
TXDOLW\ZLOOFDSWXUHDFKLOG¶VLQWHUHVW3URYLGHVLPLODUNLWFKHQEDVHGHTXLSPHQW
DQGSHUKDSVDFDUGERDUGER[IRUDVWRYH$GGVRPHSDWW\SDQWUD\VDQG
VDXFHSDQVIRUFRRNLQJ6HFRQGKDQGNLWFKHQZDUHVFDQEHERXJKWYHU\
FKHDSO\DWRSVKRSVDQGDUHMXVWWKHWKLQJIRUWRGGOHUVDVWKH\DUHUHDOVL]H
DQGZLOOHQFRXUDJHLPDJLQDWLYHSOD\DVZHOO&KRRVHWKHVPDOOHUVL]HWHDSRWV
DQGVDXFHSDQVDVWKH\ZLOOEHOLJKWZHLJKWDQGHDVLHUIRUDWRGGOHUWRPDQDJH
3OD\)LQJHUSDLQWLQJPRQWKVWR\HDUV
6XJJHVWLRQV
•
•
•
•
)RUDTXLFNUHFLSHXVHFHOOPL[PDGHWRDYHU\WKLFNFRQVLVWHQF\DQGDGG
SRZGHUSDLQW$QRWKHUUHFLSHXVHVRQHKHDSHGWDEOHVSRRQRIFRUQIORXUPL[HG
ZLWKDOLWWOHZDWHUWRPDNHDWKLFNSDVWH3RXURQVRPHERLOLQJZDWHUVWLUULQJ
TXLFNO\WLOOLWWKLFNHQV,ILWGRHVQ¶WWKLFNHQ\RXZLOOQHHGWRVLPPHULWDZKLOH
7KHQDGGSRZGHUSDLQW
'ROORSVRISDLQWFDQDOVREHSXWLQVLGHD]LSORFNEDJDQGWKLVFDQEHWDSHG
WRWKHWDEOHZKHUHOLWWOHILQJHUVFDQSXVKDQGSURGSDLQWDERXWWKURXJKWKH
SODVWLF*RRGIRUUDLQ\GD\VDQGZLQWHUWLPH
)LQJHUSDLQWLQJRQDODUJHVKHHWRIEXEEOHZUDSIHHOVGLIIHUHQWWRR
,I\RXKDYHDODUJHVKHHWRIKHDY\WKLFNSODVWLFSLFWXUHVFDQEHSODFHG
XQGHUQHDWKWKHSODVWLFWKHQFKLOGUHQZLOOQHHGWRVPRRWKDZD\ILQJHUSDLQW
WRVHHSLFWXUHVEHQHDWKRUWRFRYHUXSWKHSLFWXUHV
3OD\'UDPDWLF3OD\PRQWKVWR\HDUV
,QWKHLULPDJLQDWLRQSUHVFKRROFKLOGUHQHQWHULQWRWKHZRUOGRI
PDNHEHOLHYHIDLULHVZLWFKHVPRQVWHUVURERWLFILJXUHVHWFDQG
KDYHORWVRIDGYHQWXUHVJRLQJWRRXWHUVSDFH
FUHDWLQJPDJLFFKDQJLQJVKDSHDQGIRUPUHVFXLQJ
SHRSOHDQGVDYLQJWKHZRUOG
6RPHLPDJLQDWLYHLGHDVVWHPIURPVWRULHVDQG79RWKHUSOD\
UHYROYHVDURXQGKRPHVFHQDULRVDERXWIDPLO\HYHQWVKDYLQJ
EDELHVJRLQJWRZRUNPRYLQJKRXVH7KLVW\SHRIGUDPDWLFSOD\
DOORZVFKLOGUHQWRWU\GLIIHUHQWUROHVWKDWSHRSOHH[SHULHQFHDQG
GHYHORSVXQGHUVWDQGLQJRIWKHUHODWLRQVKLSVIRUJHGEHWZHHQ
SHRSOHLQGLIIHUHQWFLUFXPVWDQFHV
7KHVHVFHQDULRVRIWHQUHTXLUHDFXEE\KRXVH%XLOGLQJDFXEE\
KRXVHFDQEHDQH[WHQGHGH[SHULHQFHDQGYDOXDEOHSOD\LQLWVHOI
UHTXLULQJSUREOHPVROYLQJDQGFRRSHUDWLRQ
&XEELHVDUHSODFHVWRJRWRDQGWKLQNDQGJURZ
³,WWDNHVDORWRIVORZWRJURZ\RXNQRZ´
'UDPDWLFSOD\LGHDVRQUHYHUVHVLGH
3OD\%DOO*DPHVPRQWKVWR\HDUV
3UHVFKRROFKLOGUHQDUHPRYLQJPRUHVPRRWKO\ZKHQUXQQLQJDQGMXPSLQJDQG
DUHEHJLQQLQJWRKRSDQGVNLS%DOOVNLOOVYHU\JUHDWO\DPRQJVWFKLOGUHQDQG
XVXDOO\SUHVFKRROFKLOGUHQQHHGSUDFWLFHWRWKURZDQGFDWFKZLWKVWUHQJWKDQG
DFFXUDF\7REHDEOHWRPDQDJHDEDOOZLOORIWHQPHDQWKH\DUHLQYLWHGLQWRD
JDPHUDWKHUWKDQOHIWRXWEHFDXVHWKH\IXPEOHWKHEDOODQGKROGXSWKHJDPH
3UHVFKRROFKLOGUHQQHHGWLPHDQGLQWHUHVWLQJZD\VWRSUDFWLFHEDOOVNLOOVDQGRI
FRXUVH\RXUSDWLHQFHHQFRXUDJHPHQWDQGVXSSRUWZKHQ\RXSOD\ZLWKWKHP
7U\XVLQJVRIWHUDQGODUJHUEDOOVWREHJLQZLWK6KRZFKLOGUHQKRZWRKROG
WKHLUKDQGVIRUFDWFKLQJDQGKRZWRWKURZWKHEDOODQGORRNDWWKHWDUJHWIRU
DFFXUDF\%HVXUHWRPDNHLWIXQDQGQRWDGULOOHGSUDFWLFHVHVVLRQ6KRUWIXQ
WLPHVJLYHWKHPSUDFWLFHDQGHQFRXUDJHVWKHPWRNHHSWU\LQJ
7XUQWKLVFDUGRYHUIRUIXQLGHDV
3OD\'UDPDWLF3OD\PRQWKVWR\HDUV
6XJJHVWLRQV
•
•
•
•
%XLOGLQJFXEELHV:HFDQRIIHUPDWHULDOVDOORZLQJFKLOGUHQWRH[SHULPHQWDQG
RIIHUVXJJHVWLRQVZKHQSUREOHPVDULVH7U\WROHWFKLOGUHQVROYHWKHSUREOHPV
DQGPDNHWKHGHFLVLRQVDVORQJDVWKH\DUHVDIH7KLVKHOSVEXLOGWKHLU
FRQILGHQFHLQSUREOHPVROYLQJDQGHQFRXUDJHVLQLWLDWLYHLQWKLQNLQJ
3OD\HTXLSPHQW:HFDQRIIHUSURSVDQGPDWHULDOVWRVXSSRUWWKHLUGUDPDWLF
SOD\(JELWVDQGSLHFHVIRUDZLWFK¶VFDXOGURQRUER[HVDQGERWWOHWRSOLGVWR
EXLOGDFRPSXWHUWRRSHUDWHWKHURERWVHWF
'ROOVKRXVHVRUPLQLDWXUHSHRSOHSURYLGHDQLPDJLQDWLYHZRUOGIRUDVLQJOHFKLOG
RUOLWWOHIULHQGVWRSOD\WRJHWKHU0DNLQJSHJSHRSOHDQGIXUQLWXUHHQFRXUDJHV
FUHDWLYHVNLOOVDVZHOO
,W¶VLPSRUWDQWWRSD\DWWHQWLRQWRFKLOGUHQ¶VGUDPDWLFSOD\DQGJXLGHLIQHHGHG
WRPRUHFRPSDVVLRQDWHUROHVUDWKHUWKDQDJJUHVVLYHDFWLRQDJDLQVWRWKHUV
3OD\%DOO*DPHVPRQWKVWR\HDUV
6XJJHVWLRQV
•
•
•
+DQJDODUJHVKHHWIURPWKHFORWKHVOLQHGRZQWRWKHJURXQGDQGSHJWKH
ERWWRPZLWKWHQWSHJV&KLOGUHQFDQWKHQWKURZEDOOVXSRQWRWKHVKHHWDQG
FROOHFWWKHPZKHQWKH\UROOGRZQDJDLQ'UDZVRPHFKDONWDUJHWVRQWKH
VKHHWWRDLPIRU
%DVNHWVKDQJLQJKRRSVDQGVNLWWOHVPDGHRXWRISODVWLFERWWOHVDUHDOOJRRG
IRUWDUJHWSUDFWLFH7U\DWXERIZDWHULQVXPPHUWRDLPIRUDQGFUHDWHD
VSODVK$OZD\VVXSHUYLVHZDWHUSOD\DQGHPSW\LPPHGLDWHO\DIWHUSOD\
%DWWLQJSUDFWLFHFDQEHDUUDQJHGE\KDQJLQJDEDOOLQDVWRFNLQJMXVWDWWKH
ULJKWKHLJKWIRUSUHVFKRROHUVWREDWDELWOLNHWRWHPWHQQLVSOD\
3OD\'RXJKDQG&OD\
WR\HDUV
3OD\ZLWKWKHVHPDWHULDOVZLOOKHOSVWUHQJWKHQKDQGVDQGILQJHUVDVZHOODVSURYLGH
RSSRUWXQLW\IRUFUHDWLYHLPDJLQDWLYHLGHDVDQGWKLQNLQJ
&OD\UHTXLUHVPRUHVWUHQJWKWRPDQLSXODWHVRLVJRRGWRRIIHUUHJXODUO\&OD\LV
HDV\WRVWRUHDQGFDQEHXVHGDJDLQDQGDJDLQ:KHQSOD\LVILQLVKHGVLPSO\
WKXPSWRJHWKHULQWRFXEHVWKHVL]HRI\RXUILVWDQGSRNHDKROHLQWRWKHPLGGOH
3RXUDOLWWOHZDWHULQWRWKHKROHDQGVWRUHLQDQDLUWLJKWFRQWDLQHUOLNHDSODVWLF
LFHFUHDPFRQWDLQHUDQGLWZLOOEHVRIWDQGUHDG\QH[WSOD\WLPH
&OD\LVYHU\FKHDSWREX\IURPDFUDIWVWRUHRUSRWWHU\VXSSOLHU8VHSODVWLF
SODFHPDWVWRZRUNRQIRUHDVLHUFOHDQLQJ'U\FOD\FDQEHEURNHQXSDQGVRDNHG
IRUDFRXSOHRIGD\VWREHUHDG\WRXVHDJDLQ
$JRRGSOD\GRXJKUHFLSHWKDWNHHSVZHOOLQWKHIULGJHFDQEHIRXQGRQD&UHDP
RI7DUWDUSDFNHWDVLWLVRQHRIWKHLQJUHGLHQWVUHTXLUHG
6HHODPLQDWHGUHFLSHFDUGVDWWKHHQGRIWKLVVHFWLRQ
6FLHQFHDQG1DWXUH'LVFRYHULHVWR\HDUV
3UHVFKRROFKLOGUHQLQWKHLUWKLQNLQJDQGLQXVLQJODQJXDJHDUHEHJLQQLQJWRZRQGHU
DQGDVNTXHVWLRQV³:K\LVLWVR"´³+RZGRHVWKDWKDSSHQ"´³:KDWZLOOLWGRQH[W"´
7KHLUFXULRVLW\DERXWWKHQDWXUDODQGVFLHQWLILFZRUOGLVH[FLWLQJDQGRIWHQFKDOOHQJLQJ
:HFDQVXSSRUWWKLVGHYHORSPHQWE\OLVWHQLQJWRWKHLUTXHVWLRQVDQGZRQGHULQJZLWK
WKHPQRWQHFHVVDULO\JLYLQJWKHPLPPHGLDWHDQVZHUVEXWHQFRXUDJLQJWKHPWR
LQYHVWLJDWHDOLWWOHIXUWKHU:HFDQ
•
•
•
$VNPRUHTXHVWLRQVDERXWGLIIHUHQWDVSHFWVRIWKHVLWXDWLRQV
([SHULPHQWWRVHHZKDWPLJKWKDSSHQRUFKDQJH
6HHNRXWPRUHLQIRUPDWLRQLQERRNVRULQWHUQHW7KHUHDUHDEVROXWHO\ZRQGHUIXO
ERRNVIXOORILGHDVDERXWH[SORULQJQDWXUHZLWKFKLOGUHQ
7KHVHVXJJHVWLRQVKHOSFKLOGUHQOHDUQDERXWGLIIHUHQWZD\VWRILQGDQVZHUVDQG
H[SORUHRXUEHDXWLIXOZRUOG³%HOLHYHLQPDJLF<RXZDONLQLW´
3OD\GRXJKDQG&OD\WR\HDUV
6XJJHVWLRQV
•
•
•
•
•
:LWKFOD\SOD\VRPHWLPHVRIIHURWKHUQDWXUDOPDWHULDOVVXFKDVWZLJV
OHDYHVDQGVHHGSRGVIRULQVSLUDWLRQ
/HDYHVRPHFOD\SURGXFWLRQVWRGU\RXWRYHUVHYHUDOGD\VWRKHOSFKLOGUHQ
XQGHUVWDQGKRZRXUHYHU\GD\FURFNHU\LVPDGH7RKDYHVRPHSLHFHVILUHG
LQDSRWWHUVNLOQZRXOGFRPSOHWHWKHVWRU\
2IIHUVRPHSDGGOHSRSVWLFNVIRUFXWWLQJDQGVOLFLQJFOD\RUVWURQJVKHOOVRU
VHHGSRGIRUSUHVVLQJLQWRFOD\DQGPDNLQJLPSULQWV
3OD\GRXJKLVVRIWHUWRXVHEXWKDVWKHDGYDQWDJHRISOD\LQJZLWKGLIIHUHQW
FRORXUV2IIHULQJWZRFRORXUVWRXVHDQGPL[WRJHWKHULVDQLQWHUHVWLQJ
H[SHULHQFH$UDQJHRIFRORXUVHQDEOHVFKLOGUHQWRPDNHPXOWLFRORXUHG
REMHFWVZKLFKFRXOGLQFOXGHSUHWHQGIRRGIRUWKHLUFXEE\KRXVHSOD\
'UDZXSDVLPSOHIORXUVDOWDQGZDWHUUHFLSHLQSLFWXUHVDQGDOORZ
FKLOGUHQWRWU\PDNLQJWKHLURZQSOD\GRXJK
6FLHQFHDQG1DWXUH'LVFRYHULHVWR\HDUV
6XJJHVWLRQV
•
2UJDQL]HDYHJHWDEOHJDUGHQRUVRPHSRWSODQWVWRJURZVRPHEHDQVRURWKHU
YHJLHV/HWFKLOGUHQGLVFRYHUKRZSODQWVJURZDQGZKHUHRXUIRRGFRPHVIURP
'LJVRPHRIWKHHDUO\VHHGVXSWRVHHKRZWKH\VZHOODQGJURZWKHLUILUVWURRWV
DQGOHDYHV
•
2EVHUYHVKDGRZVFKDQJLQJDVWKHGD\SURJUHVVHVDQGZRQGHUZK\
0DNHVRPHLFHEORFNVDQGGLVFRYHUKRZZDWHUFDQEHIUR]HQVROLGWKHQWKDZEDFN
WRZDWHU:K\GLGWKDWKDSSHQ")UHH]HVRPHIORZHUVLQWKHLFHEORFNVWRPDNH
WKHH[SHULHQFHPRUHLQWHUHVWLQJ2EVHUYHZDWHUWXUQLQJWRVWHDPZKHQWKH
PRPHQWDULVHVEHZDUHVFDOGLQJDQGUHODWHWKHGLVFRYHULHVDERXWFKDQJHVRI
ZDWHUWRWKHIRUPDWLRQRIFORXGVDQGUDLQ
•
•
2UJDQL]HDELUGEDWK$OORZFKLOGUHQWREHUHVSRQVLEOHIRUILOOLQJDQGFOHDQLQJWR
HQFRXUDJHFDUHDQGUHVSRQVLELOLW\IRUOLYLQJWKLQJV'HYHORSDQXQGHUVWDQGLQJWKDW
DOODQLPDOVQHHGIRRGZDWHUDQGVKHOWHU
3OD\'UDZLQJZULWLQJSDLQWLQJWR\HDUV
3UHVFKRROFKLOGUHQZLOOKDYHPRUHVWUHQJWKFRQWURODQGGH[WHULW\LQWKHLUKDQGFRQWURO
EXWZLOOVWLOOQHHGWKLFNWH[WDVFUD\RQVDQGSDLQWEUXVKHVDQGODUJHVKHHWVRISDSHU
$VL]H7KH\ZLOOOHDUQKRZWRKROGWKHSDSHUZLWKRQHKDQGZKLOHWKH\GUDZDQG
ZLOOEHDEOHWRPDQDJHZKLOHVLWWLQJ6XLWDEOHVL]HGWDEOHDQGFKDLUVWKDWDOORZWKHPWR
UHVWWKHLUIHHWRQWKHIORRUZLOOEHEHVWVRWU\WRRUJDQL]HDVSHFLDOGUDZLQJSODFHZLWK
WKHLURZQHTXLSPHQWWRXVHZKHQHYHUQHHGHGGXULQJSOD\
$VWKH\EHJLQWRXQGHUVWDQGZULWLQJWKH\ZLOODGGOHWWHUVWRWKHLUGUDZLQJVDQGEH
LQWHUHVWHGLQZULWLQJWKHLURZQQDPH6KRZWKHPKRZWRZULWHWKHLUQDPHZLWKD
FDSLWDOOHWWHUILUVWDQGWKHQORZHUFDVHOHWWHUVLQFRUUHFWVFKRROVFULSWVRWKH\EHFRPH
IDPLOLDUZLWKWKDWIRUPDW
'UDZLQJVZLOOLQYROYHVLPSOHVKDSHVWREHJLQZLWKWKHQZLWKGHYHORSLQJVNLOOWKH\ZLOO
GUDZUHFRJQL]DEOHILJXUHV3DLQWLQJZLOOEHPRUHH[SHULPHQWDOH[SORULQJFRORXUV
PL[LQJWH[WXUHVSDWWHUQVDQGWHFKQLTXHV
3OD\:KHUHWRJHWLGHDVWR\VDQGUHVRXUFHV
•
•
%RUURZWR\VIRUEDE\IURPD7R\/LEUDU\&RQWDFW\RXUORFDOFRXQFLORU
QHLJKERXUKRRGFHQWUHIRUGHWDLOVRIDWR\OLEUDU\QHDU\RX8VXDOO\WR\OLEUDULHV
DUHRSHQRQHRUWZRPRUQLQJVSHUZHHNDQGIRUDQDQQXDOIHH\RXFDQERUURZ
WR\VFKDQJLQJWKHPZHHNO\RUNHHSLQJWKHPIRUXSWRDPRQWKLI\RXZLVK
7KH16:'HSDUWPHQWRI&RPPXQLW\6HUYLFHVKDVDQLQWHUHVWLQJZHEVLWHZLWKD
3DUHQWLQJ6HFWLRQWKDWKDVIDFWVKHHWVWRKHOSSDUHQWVFDUHIRUEDELHVDQG
\RXQJFKLOGUHQ,QWKHUHVRXUFHVVHFWLRQWKHUHDUHVRPHJDPHFDUGVDQGLGHDV
IRUSOD\ZLWKEDE\9LVLWWKHZHEVLWHDWZZZFRPPXQLW\QVZJRYDX
236KRSVDUHIDQWDVWLFSODFHVWRJHWGUHVVXSVDQGDOOVRUWVRIWKLQJVIURPWKH
NLWFKHQZDUHVHFWLRQIRUSOD\GRXJKDQGFOD\WRROVDQGDOVRIRUPDNHEHOLHYH
JDPHV$OVRJUHDWWRJHWWKLQJVWRVWDFNDQGXVHIRUWLSSLQJDQGSRXULQJJDPHV
LQWKHEDWKRURXWVLGHRQDVXQQ\GD\6HHRXUVPDUWVKRSSLQJVHFWLRQIRU2S
6KRSORFDWLRQV
3OD\'UDZLQJZULWLQJSDLQWLQJWR\HDUV
6XJJHVWLRQV
•
•
•
•
3DLQWLQJ2IIHUGLIIHUHQWW\SHVRISDLQWLQJWRROVHJODUJHEUXVKHVVPDOO
EUXVKHVVSRQJHVGLVKPRSVUROOHUVHYHQWHQQLVEDOOVOHDYHVDQGIHDWKHUVWR
FUHDWHLQWHUHVWLQJWH[WXUHVDQGSDWWHUQV
3ULQWPDNLQJ2IIHUDFROOHFWLRQRISULQWHUVVXFKDVFRWWRQUHHOVVHFWLRQVRI
FDUGERDUGWXEHVFXWRXWVKDSHVIURPVSRQJHVGLIIHUHQWVKDSHGOHDYHVHWFWR
SULQWRQODUJHVKHHWVRISDSHUWLVVXHRUUROOVRIEURZQSDSHU0DNHVORYHO\
ZUDSSLQJSDSHUIRUSUHVHQWV
'UDZDURXQGDFKLOG¶VERG\DVWKH\OD\RQDODUJHVKHHWRISDSHU7KH\FDQ
WKHQSDLQWWKHPVHOYHV'LVFXVVWKHGLIIHUHQWSDUWVRIWKHERG\DQGKRZWKH\
IHHOZKHQWKH\DUHKDSS\DQJU\VFDUHGWROHDUQPRUHDERXWWKHLUIHHOLQJV
7DNHFKLOGUHQWRDVXLWDEOHDUWH[KLELWLRQWRORRNDWWKHPDQ\ZD\VDUWLVWVSDLQW
WRHQFRXUDJHDQGDFNQRZOHGJHFKLOGUHQ¶VLQWHUHVWLQDUWZRUN
3OD\ZKHUHWRJHWLGHDVWR\VDQGUHVRXUFHV
7KHZHEVLWHKWWSUDLVLQJFKLOGUHQQHWDXLVDQLQWHUHVWLQJZHEVLWHDERXWKRZFKLOGUHQ
OHDUQDQGKRZSDUHQWVFDQHQFRXUDJHDQGVXSSRUWWKHLUFKLOGUHQ
7KHLQIRUPDWLRQLVSUHVHQWHGLQGLIIHUHQWZD\VDQGLVHDV\WRIROORZ
•
•
•
-RLQDSOD\JURXSRUHQURO\RXUSUHVFKRROFKLOGLQDFKLOGFDUHVHUYLFHVRWKH\JDLQ
H[SHULHQFHOHDUQLQJDQGSOD\LQJZLWKRWKHUFKLOGUHQ
&RQWDFWWKH3OD\JURXS$VVRFLDWLRQRQ
7KH<:&$/LVPRUH&RPPXQLWLHVIRU&KLOGUHQ5HVRXUFH%RRNOHWIRU
3DUHQWV&DUHUVOLVWVVRPHVSHFLDOSOD\JURXSVLQWKH/LVPRUH$UHD)RUDFRS\RI
WKLVERRNOHWSKRQH7KLVERRNOHWDOVROLVWVFKLOGFDUHFHQWUHVDQGSUHVFKRROV
LQ/LVPRUH
5(&,3(6 /RQJ/DVWLQJ3OD\'RXJK
FXSVIORXU
*HWUHDG\LQJUHGLHQWVDERZODPHDVXULQJMXJDSRWZRRGHQ
FXSVDOW
VSRRQDERDUGWRNQHDGWKHGRXJKRQSXWEDNLQJSDSHURYHULW
WHDVSRRQVFUHDPRIWDUWDU
RUWKHEHQFKLI\RXZDQWWRPL[IRRGFRORXULQJLQWRWKHGRXJK
FXSVZDWHU
$LUWLJKWFRQWDLQHUVIRUHDFKFRORXUDERXWIRXUZLOOGR²WDNHDZD\
WDEOHVSRRQVYHJHWDEOHRLO
IRRGFRQWDLQHUVZRUNZHOO
)RRGFRORULQJ
&ORYH2LOLI\RXDGGIHZGURSVLWSXWVFKLOGUHQRIIHDWLQJWKHSOD\GRXJK²EX\LWIURPSKDUPDFLHV
0L[IORXUVDOWDQGFUHDPRIWDUWDULQDODUJHVDXFHSDQ%OHQGZDWHUDQGRLOWRJHWKHULQDERZO
$GGWRWKHVDXFHSDQDQGFRRNRYHUPHGLXPKHDWVWLUULQJFRQVWDQWO\XQWLOLWWKLFNHQV&RRNIRU
DERXWILYHPLQXWHV7DNHWKHSOD\GRXJKRXWRIWKHVDXFHSDQDQGSXWLWRQDFXWWLQJERDUGRU
FRXQWHUDQGNQHDGIRUDIHZPLQXWHV$GGIORXULILW
VWRRVWLFN\
'LYLGHLQWRVHSDUDWHEDOOVDQGWKHQPL[LQIRRGFRORXULQJVRWKDW\RXJHWGLIIHUHQWFRORXUHGEDOOVRI
SOD\GRXJK+DYH\RXUJUDQGFKLOGKHOS\RXZLWKWKHNQHDGLQJDQGFRORXUPL[LQJ
-XVWIRUIXQ\RXFDQPDNHDKDOIGR]HQGLIIHUHQWFRORXUHG³HJJV´DQGSXWWKHPLQDQHJJFDUWRQ7KLVPDNHV
DORYHO\JLIWIRUDWRGGOHUHVSHFLDOO\EHFDXVH\RXUJUDQGFKLOGUHQFDQKHOSWRPDNHLW
7KLVSOD\GRXJKVKRXOGODVWDURXQGWKUHHPRQWKVLI\RXNHHSLWVHDOHGLQDQDLUWLJKWFRQWDLQHURUSODVWLF
]LSORFNEDJ,W
VVPRRWKDQGIXQWRSOD\ZLWKZKHQLW
VVWLOOZDUP
2QWKHUHYHUVHVLGHDUHILQJHUSDLQWUHFLSHV
5(&,3(6 *OLWWHU*RRSDQG6LOO\3XWW\
Homemade Silly Putty
FXSVZKLWHVFKRROJOXH
FXSOLTXLGVWDUFK
0L[WRJHWKHUDQGVHWDVLGHXQWLOGU\6WRUHLQDQ
DLUWLJKWFRQWDLQHU
Gooey Goop
FXSZDWHU
FXSVFRUQIORXU
)RRGFRORULQJ
,QDODUJHERZOPL[WRJHWKHUZDWHUDQGFRUQIORXU
XQWLOVPRRWK$GGIRRGFRORULQJDQGVWLU
3OD\ZLWKJRRSRQDSODVWLFFRYHUHGVXUIDFHRURQ
QHZVSDSHU
+RPHPDGH*OLWWHU&RORUHG6DOW
WDEOHVSRRQVVDOW
&RDUVHVDOWRUURFNVDOWZRXOGORRNEHWWHU
$ERXWGURSVRIDQXPEHURIFRORXUVRIIRRGFRORULQJ
'HSHQGLQJLI\RXQHHGWRPL[FRORUVWRREWDLQDSDUWLFXODU
FRORU
3ODFHWKHVDOWLQDVDQGZLFKEDJRUVHDODEOHEDJ$GG
PRUHWKDQRQHIRRGFRORULQJWRPDNHYDULRXVFRORUV6HDO
WKHEDJ0RYHWKHVDOWDURXQGXVLQJ\RXUILQJHUV.HHS
WKHEDJRSHQ/HWGU\,WXVXDOO\WDNHVDKDOIDGD\RU
OHVV
,IXVLQJWDEOHVDOWSODFHLQVDOWVKDNHUVE\FXWWLQJDKROH
LQWKHERWWRPVLGHRIDVHDODEOHEDJIRUDIXQQHO3ODFHLW
LQWKHVDOWVKDNHU<RXFDQEX\FKHDSVDOWVKDNHUVDW2S
6KRSV,I\RXXVHFRDUVHVDOWKDYHWKHFKLOGVSRRQLWRQWR
WKHJOXHRUXVHKLVKHUILQJHUV
$FWLYLWLHV
3ODFHJOXHRQSDSHUVDQGSDSHUHWF6SULQNOHWKHVDOW
RQWRWKHJOXH6KDNHRIIWKHH[FHVVVDOW/HWGU\
5HFLSHV
6DOW'RXJKEHDGVVFXOSWXUHVRUQDPHQWV
0DNHEHDGVIDUPDQLPDOVFLUFXVFKDUDFWHUVVQDNHVOLLWOHEDVNHWVDQGSRWVDQGPXFKPXFKPRUH«
7KHPDWHULDOVQHHGHGWRVWDUWGRXJKPDNLQJDUHYHU\LQH[SHQVLYHWKHPDMRULW\RIZKLFK\RXZLOOSUREDEO\
KDYHLQ\RXUNLWFKHQFXSERDUG$ZLGHYDULHW\RIPRXOGVFXWWHUVNQLYHVDUHDYDLODEOHIURPPRVWVWRUHV<RX
FDQXVHPDQ\REMHFWVWKDW\RXSUREDEO\KDYHO\LQJDURXQGWKHKRXVHDVWHPSODWHVRUWH[WXUHPDNHUV
6$/7'28*+5(&,3(
237,21$/
FXSVRI3ODLQ)ORXU
WDEOHVSRRQRIYHJHWDEOHRLOPDNHVLWD
*UHDWIRUPDNLQJ
FXSRIWDEOHVDOW
OLWWOHHDVLHUWRNQHDG
EHDGV
FXSRIZDWHU
WDEOHVSRRQRIZDOOSDSHUSDVWHJLYHVWKH
0(7+2'
3XWSODLQIORXUVDOWDQGDQ\RUDOORIWKHRSWLRQDOLQJUHGLHQWVLQWRDPL[LQJERZODQGJUDGXDOO\DGGWKH
ZDWHUPL[LQJWRVRIWGRXJK7KLVVKRXOGEHQHLWKHUWRRVWLFN\LQZKLFKFDVHDGGPRUHIORXUQRUWRRGU\LQ
ZKLFKFDVHDGGPRUHZDWHU:KHQPL[HGUHPRYHIURPWKHERZOSODFHRQDIODWVXUIDFHDQGNQHDGIRU
PLQXWHVWRKHOSFUHDWHDVPRRWKWH[WXUH,ISRVVLEOHLWLVEHVWWROHWWKHGRXJKVWDQGIRUDSSUR[LPDWHO\
WZHQW\PLQXWHVEHIRUHEHJLQQLQJDSURMHFW8QXVHGGRXJKFDQEHVWRUHGLQWKHIULGJHLQDQDLUWLJKW
FRQWDLQHURUFOLQJILOPIRUXSWRDZHHN&KLOGUHQDOZD\VORYHPDNLQJPRGHOVDQGDVORQJDV\RXGRQ¶WDGG
ZDOOSDSHUSDVWHDOORIWKHLQJUHGLHQWVDUHQDWXUDO6RLIWKH\DUHWHPSWHGWRSXWLWLQWKHLUPRXWKVDOOLWZLOO
GRLVWDVWHLQFUHGLEO\VDOW\
'5<,1*
7KHGU\LQJRI\RXUZRUNFDQHLWKHUEHGRQHQDWXUDOO\LQWKHRSHQDLUDYHUDJHWLPHIRUQDWXUDOGU\LQJLV
KRXUV,WFDQEHEDNHGLQDQRYHQVWDUWDW&DQGDIWHUPLQXWHVLQFUHDVHWR&7KHGU\LQJWLPH
QHHGHGIRUHDFKSLHFHYDULHVDFFRUGLQJWRVL]HDQGWKLFNQHVVEXWRQDYHUDJHLWZLOOWDNHDERXWKRXUV
7KHQSDLQWDQGYDUQLVKWKHDUWZRUNV
5HFLSHV
/LWWOH6SUD\SDLQWHUV
)LUVWJHWDVSUD\ERWWOHIRUHDFKFRORXU\RXZRXOGOLNHWRPDNH2QHVZLWKGLIIHUHQWVSUD\HUVHWWLQJV
FDQPDNHWKHUDQJHRIHIIHFWVHQGOHVV6SUD\ERWWOHVFDQEHSXUFKDVHGDWPRVWVWRUHVUHDOO\FKHDS
6WHS)LOOWKHZDWHUERWWOHDOPRVWIXOOZLWKUHJXODUWDSZDWHU
6WHS$GGDIHZGURSVRIIRRGFRORXULQJWRHDFKERWWOHWRPDNH\RXUFRORXUV7KHPRUHGURSVRI
IRRGFRORXULQJWKHGDUNHUWKHSDLQW5HPHPEHUZLWKWKHIRXUEDVLFIRRGFRORXUV\RXFDQPDNH
PDQ\GLIIHUHQWFRORXUV
6WHS3XWVSUD\HUWRSEDFNRQWLJKWO\DQGVKDNHDOLWWOHELWWRIXOO\PL[ZDWHUDQGIRRGFRORXULQJ
6HQGWKHSDLQWDQGNLGVRXWVLGHWRVSUD\ELJVKHHWVRISDSHURUIDEULFKXQJIURP\RXU
FORWKHVOLQHRUSHJJHGWRDIHQFH
5HFLSHIRUSDLQWWKDWGRHVQ¶WFORJVSUD\ERWWOHQR]]OHV)RUHDFKFRORXUVWLUWRJHWKHUFXSRI
GU\WHPSHUDSDLQWZLWKFXSVRIZDWHUDQGWHDVSRRQRIOLTXLGGLVKVRDSWKHVRDSKHOSV
NHHSWKHQR]]OHIURPFORJJLQJ0L[WKRURXJKO\FKHFNLQJWKDWWKHUHDUHQ
WDQ\OXPSV3RXUWKH
SDLQWVLQWRWKHVSUD\ERWWOHV
7HPSHUD3RZGHULVDSRSXODUHFRQRPLFDODQGQRQWR[LFSDLQWPDGHIURPILQHO\JURXQG
SLJPHQWV,WHDVLO\PL[HVZLWKZDWHUDQGEOHQGVZHOOWRSURGXFHEULOOLDQWFRORXUVDQGVPRRWK
WH[WXUHVLQDQ\FRQVLVWHQF\%X\LWLQDUWDQGFUDIWVWRUHV
0DJLF0LON
5(&,3(6
2QHRIRXUJUDQGFDUHUVUHDGDERXWWKLVDFWLYLW\LQ$'DYLG6X]XNLERRNDLPHGDWWHDFKLQJNLGVZKDW
KDSSHQVZKHQVRDSJHWVLQWRRXUZDWHUZD\V,WLVRQHRIPRVWFDSWLYDWLQJNLG¶VDFWLYLWLHVHYHUDQG
YHU\VLPSOHWRGR7U\LWDQGVHH
<RXQHHG
•
0LON
•
$)ODWGLVKZLWKVLGHVDERXWFP¶VKLJKDSRWSODQW
VDXFHUZRUNVYHU\ZHOOIRUWKLV
•
.LWFKHQGHWHUJHQWLQDOLWWOHGLVK
•
7RRWKSLFNVFRWWRQEXGVRUVWLFNV
•
)RRG&RORXULQJRQO\WZRFRORXUV,I\RXXVHWKUHHLQQR
WLPHDWDOO\RXKDYHEURZQPXGLQVWHDGRIORYHO\FRORXUV
0HWKRG
3RXUPLONLQWRGLVKWRDGHSWKRIDERXWFP
8VHIRRGFRORXUGURSSHUVWRSXWOLWWOHGRWVRIWZRGLIIHUHQWFRORXUVFURVVWKHVXUIDFHRIWKHPLON
/LJKWO\GLSDWRRWKSLFNLQWRWKHVRDSDQGOHWMXVWRQHGURSRIVRDSIDOORQWRVXUIDFHRIWKHPLON
7KHPLONUHDFWVZLWKWKHVRDSDQGPLQLZDYHVUXVKDFURVVWKHVXUIDFHFDUU\LQJWRHFRORXUZLWK
WKHPWRPDNHDPD]LQJSDWWHUQVDQGVKDSHV
5HDGDERXWPDNLQJSXSSHWVRQWKHEDFNRIWKLVFDUG
5(&,3(6
)LQJHUDQG)RRG3DLQW
)LQJHU3DLQW
<RJKXUWRQ%ODFN3ODVWLF
<RJKXUWRQ%ODFN3ODVWLF
FXSVIORXU
FXSVFROGZDWHU
GU\WHPSHUDSDLQW
GDVKRIVDOW
0L[IORXUDQGZDWHU&RRNRYHUORZKHDWXQWLO
WKLFN$GGGDVKRIVDOWDQGWHPSHUD
6WRUHLQFRYHUHGMDULQWKHUHIULJHUDWRU
)LQJHUSDLQWWKDWFKLOGUHQFDQHDW
$IWHUVWUXJJOLQJWRVWRSKHUOLWWOHRQHVIURP
HDWLQJDOONLQGVRISDLQWDQGSOD\GRXJKRQH
JUDQGPRWKHUFDPHXSZLWKWKLVLGHD
%X\VRPH%ODFN%XLOGHUV3ODVWLFIURP\RXU
KDUGZDUHVWRUHDQGFRYHUDWDEOHZLWKLW
.RRO$LG)LQJHU3DLQW
7KHQSXWOLWWOHSLOHVRISODLQ\RJKXUWZLWKGURSV
RIIRRGFRORXULQJLQWKHPRQWKHSODVWLFDQG
DOORZ\RXUJUDQGFKLOGWRH[SORUHKRZWKH\RJKXUW
IHHOVDVWKH\VTXLVKDQGJOLGHLWDURXQGRQWKH
SODVWLF
FXSVIORXU
SDFNVXQVZHHWHQHG.RRO$LG
FXSVDOW
FXSVERLOLQJZDWHU
7RLO
)RRG&RORXULQJRUSRZGHUSDLQW
0L[IORXU.RRO$LGDQGVDOW$GGZDWHUDQGRLO
%HJLQ\RXUPDVWHUSLHFHV
+DYHDGDPSIODQQHOQHDUE\WRFOHDQWKHPXSWKH
SODVWLFFDQEHKRVHGRIIDQGXVHGDJDLQZLWKVRDS
VQRZRUDVDSURWHFWLYHPDWIRUFOD\DQGGRXJK
SOD\
+DYHDGDPSIODQQHOQHDUE\WRFOHDQWKHPXS
5HFLSHV
•
•
•
•
•
•
•
$ODUJHHPSW\FHUHDOER[
3RVWHUSDLQWRQHFRORU3DLQWEUXVK
1HZVSDSHUVWRSURWHFWWKHWDEOH
&RORUHGIDEULFIRUWKHFXUWDLQV
*OXH
6FLVVRUV
$SHQFLO
3XSSHW7KHDWUH
+HOS\RXUJUDQGFKLOGUHQWRPDNHWKLVOLWWOHSXSSHW
WKHDWHURXWRIDFHUHDOER[DQGWKHQPDNHDOONLQGV
RISXSSHWVWRJRLQLW&XWKWKHERWWRPRXWRIWKH
ER[DQGVWDJHZLRQGRZLQRHQVLGHSDLQWDGG
FXUWDLQVDQGWKHVWDJHLVVHW
)LQJHUSXSSHWVPDGHXVLQJILQJHUVRIROGJORYHVGUDZIDFHVDQGPRUH
ZLWKWH[WD¶VJOXHRQKDLUDQGFORWKHV±JHWWKHJORYHVIURPRSVKRSV
<RXFDQDOVREX\WKHPDWPDUNHWVDQGWR\VWRUHV
0DNHTXLFN
DQGHDV\GULQNLQJ
VWUDZSXSSHWV
IRU\RXU
OLWWOHWKHDWUH
3RSVWLFN3XSSHWV±FKRRVHDVWRU\ERRNWKHNLGV
ORYHRUDVWRU\WKH\NQRZRUDQXUVHU\UK\PH
DQGKHOSWKHPGUDZWKHLUYHUVLRQRIWKH
FKDUDFWHUVJLYHWKHPDPDOOVKHHWRISDSHU
VRWKDWZKDWWKH\PDNHZLOOILWRQWRDSRSVWLFN
'RQ¶WZRUU\DERXWKRZJUHDWWKHDUWZRUNLV7+(<NQRZZKDWWKH\PHDQWWRGUDZ&XW
DURXQGWKHVKDSHDQGVWLFNLWWRDSRSVWLFN<RXFDQDOVRORRNWKURXJKPDJD]LQHVWRJHWKHUDQGWKH\FDQSLFN
SLFWXUHVWRFXWRXWZLWK\RXUKHOS
5HFLSHV
0RUHIXQZLWKSDLQW
3XII\3DLQW
FXSIORXU
FXSVDOW
FXSZDWHU
OLTXLGWHPSHUDSDLQW
0L[WKHLQJUHGLHQWVZHOO3RXULQWRDOORIWKRVHHPSW\FOHDQVDXFHVTXHH]HERWWOHV\RXKDYHEHHQ
ZRQGHULQJZK\\RXZHUHVDYLQJ0DUNFRORUVRQRXWVLGH
(GLEOHSDLQWIRUXVLQJRQELVFXLWVRULFLQJV
HJJ\RONVWVSOLTXLGIRRGFRORULQJ7KLVLVKRZ7HPSHUDSDLQWXVHGWREHPDGH
%HDW\RONVLQVPDOOGLVKGLYLGHLQWRFXSV6WLULQIRRGFRORULQJ)RUEOXHDQGJUHHQVWLUWHD
VSRRQRIFRORULQJLQWRHDFKFXS)RUDOORWKHUFRORUVVWLUWHDVSRRQFRORULQJLQWRHDFKFXS7R
PDNHEODFNFRPELQHZKROHHJJ\RONWHDVSRRQJUHHQWHDVSRRQUHGGURSVEOXH
8VHVPDOOFOHDQSDLQWEUXVKWRSDLQWGHVLJQVRQFRRNLHVEHIRUHEDNLQJ&KLOGUHQFDQPDNHVSHFLDO
RFFDVLRQELVFXLWVWKLVZD\
This section contains a range of activities around developing both
speaking and listening skills. The Smart Skills program based at
Inala in Queensland suggests that there are fourteen social
skills that are considered vital for children when they enter
the school system and some of these are:
building friendships, positive behaviour, cooperating, helping,
sharing, taking turns & waiting, recognizing feelings, coping,
listening, and expressing and responding.
In practical terms when communicating it is also important for children
to learn to make eye contact with people when they speak to them,
and to use the common courtesies that we expect like greeting
and fare-welling people, and saying please, thank you and excuse me.
How you can help your grandchildren to be good communicators?
You know, talking is just as much about listening as it is speaking; and certainly we learn
about the world all through our lives through listening.
It is easy to overlook the importance of this skill as we raise young children.
But good listening, focusing and paying attention habits are vital in helping a child
to make their way happily in the world, and particularly at school.
TALKING &
LISTENING
7DONLQJ/LVWHQLQJ%LUWK±PRQWKV
&RQYHUVDWLRQVZLWK%DE\
&KLOGUHQOHDUQWRWDONE\KHDULQJDQGOLVWHQLQJWRRWKHUVVSHDNLQJDQGE\RXU
HQFRXUDJHPHQWWRMRLQLQFRQYHUVDWLRQV
•
7DONWREDE\ULJKWIURPELUWK
•
%HDJRRGPRGHOXVHIXOOVHQWHQFHVDQGDYRLG³EDE\WDON´
7DONWREDE\RIWHQPDNLQJH\HFRQWDFWDQGUHVSRQGLQJWRWKHVRXQGVEDE\
PDNHVZLWKVPLOHVDQGDSSUHFLDWLRQ
•
%DE\ZLOOVRRQEHEDEEOLQJDORQJSUDFWLVLQJVRXQGVDQGIROORZLQJPHDQLQJZHOO
EHIRUHEDE\FDQDFWXDOO\VD\DUHFRJQLVDEOHZRUG
7DONLQJ/LVWHQLQJ%LUWK±PRQWKV
)XQZLWK:RUGV
(QMR\VRPHSRHPVDQGZRUGJDPHVZLWKEDE\VRVKHZLOOZDQWWRMRLQLQDQG
EHHQFRXUDJHGWROHDUQWRWDON0DNHSOD\WLPHDFORVHDQGFXGGO\WLPHZLWKORWV
RIH[SUHVVLYHZRUGVDQGJLJJOHV7KHVHVKRUWIXQPRPHQWVZLOOKHOSEDE\
•
)HHOORYHGDQGFKHULVKHG
•
([SHULHQFHWKHUHOD[DWLRQRIIXQDQGODXJKWHUKRSHIXOO\\RXZLOOWRR
•
+HDUZRUGVDQGODQJXDJHSDWWHUQV
•
%HJLQWRXQGHUVWDQGKRZZHWDNHWXUQVLQFRQYHUVDWLRQVDQGJDPHV
7DONLQJ/LVWHQLQJ%LUWK±PRQWKV
$FWLYLW\6XJJHVWLRQV
•
8VHVLPSOHVHQWHQFHVWRWHOOEDE\ZKDW\RXDUHGRLQJDV\RXGRLWHJ³+HUHDUH
\RXUSDQWV/HW¶VSXW\RXUSDQWVRQ)RRWILUVW´HWF:KHQ\RXUHSHDWWKLVUHJXODUO\
EDE\OHDUQVWRDQWLFLSDWHZKDWZLOOKDSSHQDQGWKHPHDQLQJRIWKRVHVRXQGV
•
0DNHQDSS\FKDQJHWLPHDVSHFLDOWLPHWRFKDW3XWVRPHFOHDUVLPSOHSLFWXUHVRI
IDPLOLDUWKLQJVRQWKHZDOOQHDUE\RUKDQJGLIIHUHQWPRELOHVWRVHHDQGWDONDERXW
•
*RIRUDZDONFDUU\LQJEDE\DQGWDONWREDE\DERXWWKLQJVDORQJWKHZD\
•
7HOOEDE\ZKDW\RXDUHGRLQJHYHQLIWKDWLVRQO\KRXVHZRUNWKDW\RXILQGERULQJ
(J³1RZ,ZLOOWLG\WKHORXQJHURRPSLFNXSDOOWKHWR\VDQGIROGWKHZDVKLQJ´
0LJKWEHERULQJWR\RXEXWEDE\ZLOOEHOLVWHQLQJWRWKHSDWWHUQVDQGVRXQGVRIRXU
ODQJXDJH,IEDE\FRRVRUEDEEOHVDVZHOOVWRSDQGWU\DQGUHVSRQG<RXFRXOGWU\
DQGFRS\KLVVRXQGVVRWKDWKHNQRZV\RXDUHUHVSRQGLQJ7KHQKHOSLQJEDE\OHDUQ
WRWDONZKLOH\RXZRUNZLOOPDNHKRXVHZRUNDORWPRUHLQWHUHVWLQJ
7DONLQJ/LVWHQLQJ%LUWK±PRQWKV
$FWLYLW\6XJJHVWLRQV
•
•
7U\+HDGVDQG6KRXOGHUV.QHHVDQG7RHVE\JHQWO\WRXFKLQJHDWSDUWRIEDE\¶V
ERG\WKHQWDNHEDE\¶VKDQGVDQGHQGZLWKPRUHYLJRURXVFODSSLQJDQGVPLOHV
RIFRXUVH
+ROGEDE\¶VIHHWDQGJHQWO\SXPSOHJVZKLOHVD\LQJSRHP.QHHVNQHHVMROO\IDW
NQHHVZKRJDYH\RXVXFKMROO\IDWNQHHV"/RW¶VRIEUHDGDQGEXWWHUYHJHPLWH
DQGFKHHVHWKDW¶VZKDWJDYH\RXMROO\IDWNQHHV$QGKDYHDJHQWO\EXWMROO\
WLPHDV\RXSOD\
•
•
3OD\SHHNDERRIURPEHKLQGDVFDUIRUVRPHWKLQJWKDW¶VDOLWWOHVHHWKURXJKVR
WKDWEDE\LVQRWIULJKWHQHGZKHQ\RXVXGGHQO\DSSHDU8VHVLPSOHODQJXDJH
³:KHUHDP,"´³+HUH,FRPH´³7KHUH\RXDUH´0DNHLWIXQZLWKIXQQ\ORRNV
RQ\RXUIDFHDQGHQMR\WKHJDPHWRR
3OD\WKHWLFNOLQJJDPH7KLV/LWWOH3LJJ\:HQWWR0DUNHWJLYLQJHDFKOLWWOHWRHD
VTXHH]HWKHQILQDOO\DJHQWOHWLFNOH
7DONLQJ/LVWHQLQJ±PRQWKV
/LVWHQLQJ7LPH
&RQYHUVDWLRQLVDWZRZD\SURFHVVZKHUHSHRSOHWDNHWXUQVVSHDNLQJDQGOLVWHQLQJ
,QWLPHEDE\OHDUQVDERXWWKLVSURFHVV:HFDQKHOSEDE\OHDUQDERXWWKLVE\SD\LQJ
VSHFLDODWWHQWLRQWRWXUQWDNLQJZKHQZHSOD\RULQWHUDFWZLWKEDE\
(QMR\OLVWHQLQJWRVRXQGVWRJHWKHU
•
•
6KDULQJDUDWWOH6KRZEDE\DUDWWOHDQGOHWEDE\KHDULWVVRXQGWKHQJLYH
EDE\DWXUQ:KHQEDE\KDVPDQDJHGWRVKDNHDQGFUHDWHWKHVRXQGDV
ZHOOWU\WDNLQJWKHUDWWOHDJDLQ\RXUVHOIUHSHDWLQJVRXQGWKHQUHWXUQLQJ
UDWWOHWREDE\7KXVWDNLQJWXUQV
'XULQJSOD\WLPHVRIIHUEDE\GLIIHUHQWLQWHUHVWLQJVRXQGPDNHUVWROLVWHQWR
DQGH[SORUHDQGFRQWLQXHWRSOD\WKHJDPHDERYH
7DONLQJ/LVWHQLQJ±PRQWKV
7RXFKDQG)HHO\%RRNV
:KHQ\RXUJUDQGFKLOGLVDEOHWRVLWXSZLWKVXSSRUWRUE\KHUVHOILWLVDJRRGWLPHWR
LQWURGXFHEDE\WRERRNV7KHOLEUDU\KDVDZRQGHUIXOFROOHFWLRQRIERRNV/RRNIRU
ERRNVZLWKYHU\VLPSOHSLFWXUHVWKDWDUHVWXUG\DQGFRORXUIXO%DELHVORYHFLUFXODU
VKDSHVDQGIDFHV
6KRZEDE\KRZWRWXUQWKHSDJHVDQGFRPPHQWRQHDFKSDJHDV\RXUXEDQGIHHO
WKHGLIIHUHQWWH[WXUHV%DELHVHQMR\H[SORULQJGLIIHUHQWWH[WXUHVDQGDWH[WXUHERRN
KHOSVWKHPXQGHUVWDQGKRZERRNVZRUN
<RXFDQDOVRUHDGERRNVDORXGWKDW\RXHQMR\DQGSURS\RXUOLWWOHRQHXSEHVLGH
\RX\RXFDQUHDGEDELHVWRVOHHSDQGHQMR\\RXUHPDJD]LQHRUERRNZKLOU\RXDUH
GRLQJLW7KH\ORYHWKHVRXQGRI\RXUYRLFHDQG\RXDUHLQWURGXFLQJWKHLGHDRIHQ
MR\LQJERRNV
7DONLQJ/LVWHQLQJ%LUWK±PRQWKV
$FWLYLW\6XJJHVWLRQV
•
•
•
+DQJVRPHFKLPHVIRUEDE\WROLVWHQWR:KHQ\RXWDNHEDE\WRWKHFKLPHV
DVNLIVKHZRXOGOLNHWRKHDUWKHFKLPHVDV\RXUHDFKWRZDUGVWKHP:DLWIRU
EDE\WRORRNDWWKHFKLPHVRU\RXEHIRUH\RXDFWXDOO\WRXFKDQGPRYHWKH
FKLPHVWRKHDUWKHP:DLWLQJIRUEDE\¶VUHVSRQVHKHOSVWKHPOHDUQWKDW
FRQYHUVDWLRQLVDWXUQWDNLQJEXVLQHVV
,IE\FKDQFHEDE\LVSUDFWLVLQJPDNLQJVRXQGVRUEDEEOLQJWU\WRHQWHUWKLV
EDEEOLQJFRQYHUVDWLRQE\FRS\LQJRUUHVSRQGLQJWKHQZDLWLQJIRUEDE\WRWU\
DJDLQ
$WRWKHUWLPHV\RXFDQMXVWVWRSUHOD[DQGHQMR\OLVWHQLQJWREDE\EDEEOLQJ
WRKLPVHOIZLWKRXWLQWHUUXSWLQJEHFDXVHEDE\DOVRQHHGVWLPHWRMXVWSUDFWLVH
E\KLPVHOI
7DONLQJ/LVWHQLQJ%LUWK±PRQWKV
$FWLYLW\6XJJHVWLRQV
2IIHUEDE\DKRPHPDGHWRXFKDQGIHHO\ERRN7KHVHDUHHVSHFLDOO\
IXQWRPDNHZLWKWKHKHOSRIROGHUFKLOGUHQ
•
•
'LIIHUHQWWH[WXUHVFDQEHVWLWFKHGRQWRKHDY\IDEULFRUHYHQRQWR
NLWFKHQFOHDQLQJZLSHVVRERRNLVHDV\WRZDVK
3DJHVFDQEHDWWDFKHGWRJHWKHUXVLQJSODVWLFFXUWDLQULQJVVR
SDJHVFDQEHUHPRYHGDQGQHZSDJHVDGGHGWRNHHSEDE\LQ
WHUHVWHG
%HVXUHWKDWQRWKLQJFDQEHSXOOHGRIIWREHFRPHDFKRNLQJKD]DUG
7DONLQJ/LVWHQLQJ±PRQWKV
)XQQ\)DFHV
$FRQYHUVDWLRQLVPRUHWKDQDVWULQJRIZRUGVVKDUHGZLWKRWKHUV&RQYHUVDWLRQVDUH
VKDUHGWXUQWDNLQJH[SHULHQFHV$OVRZKHQSHRSOHWDONWRHDFKRWKHUWKH\JDLQFOXHV
DERXWWKHFRQYHUVDWLRQE\REVHUYLQJIDFLDOH[SUHVVLRQVDQGERG\ODQJXDJH
(YHQEHIRUHEDE\OHDUQVWRSURSHUO\VD\RQHZRUGWKH\FDQOHDUQDQGXQGHUVWDQG
WKHWXUQWDNLQJEXVLQHVVDQGREVHUYHIDFLDOH[SUHVVLRQV
•
•
%DELHVQDWXUDOO\REVHUYHDQGVWXG\IDFHVDVWKH\JHWWRNQRZWKHIDPLOLDU
SHRSOHLQWKHLUOLYHV
%DELHVQDWXUDOO\FRS\PRYHPHQWVWKH\VHHDVWKH\OHDUQWRFRQWUROWKHLU
PXVFOHVLQFOXGLQJDOOWKHVPDOOPXVFOHVLQWKHLUIDFH
7DONLQJ/LVWHQLQJ0RUH,QIR±PRQWKV
0RUH,QIRUPDWLRQ
3DUHQWLQJ/LVPRUH¶V:D\LVDFROOHFWLRQRIERRNVDQG'9'VDYDLODEOHDWWKH
/LVPRUHDQG*RRQHOODEDKOLEUDULHV,QFOXGHVDVHOHFWLRQRIERRNVDERXWXQGHUVWDQGLQJ
DQGFRPPXQLFDWLQJZLWK\RXUEDE\&RQWDFW\RXUORFDOOLEUDU\IRUERUURZLQJGHWDLOV
•
•
•
6:,6+6WDWH:LGH,QIDQW6FUHHQLQJSURJUDPLVDSURJUDPWKDWKHOSVLGHQWLI\
EDELHVERUQZLWKVLJQLILFDQWKHDULQJORVVDQGRIIHUVUHIHUUDOWRVXLWDEOHVXSSRUW
VHUYLFHV&RQWDFW6:,6+,QIRUPDWLRQ/LQH
0HUULO\0HUULO\$%RRNRI6RQJVDQG5K\PHVDQG&'FRPSLOHGDQG
SXEOLVKHGE\$XVWUDOLDQ%UHDVWIHHGLQJ$VVRFLDWLRQLVDQH[FHOOHQWVRXUFHRIVRQJV
DQGSRHPVIRUEDELHVDQG\RXQJFKLOGUHQ2UGHUE\PDLO32%R[*OHQ,ULV
9LFRUEX\IURPWKHVDOHVGLYLVLRQZZZPRWKHUVGLUHFWFRPDX
7DONLQJ/LVWHQLQJ%LUWK±PRQWKV
$FWLYLW\6XJJHVWLRQV
•
•
•
:KHQ\RXDUHFORVHWREDE\PDNHVRPHIXQQ\IDFHVHJSRNHRXW
\RXUWRQJXHSXFNHU\RXUOLSVRXWEOLQN\RXUH\HVWLJKWO\RUEORZ
UDVSEHUULHVLI\RXFDQ
7KHQJLYHEDE\DWXUQ,WLVDPD]LQJWRZDWFKHYHQDYHU\\RXQJEDE\
WU\WRGRWKHVDPHWKLQJ
$VEDE\EHJLQVWRSUDFWLVHPDNLQJVRXQGVRIIHUVRPHVRXQGVIRUEDE\
WRFRS\ZLWKH[DJJHUDWHGIDFLDOH[SUHVVLRQHJPXPPXPPXP
GDGDGDEXEXEX+DYHIXQDQGHQMR\WKHIDFLDOH[HUFLVHV
6RPHERRNV\RXFDQHQMR\ZLWKOLWWOHEDELHV
%DE\DQLPDOV5RG&DPSEHOO
%DE\)DFHV0DUJDUHW0LOOHU
%DE\:D\V1ROD$OOHQ
%LJ%RRNRI%HDXWLIXO%DELHV
'DYLG(OOZDQG
+DWRII%DE\-DQ2UPHURG
+XJ-H]$OERURXJK
0\%LJ%RRNRI1RLVHV$P\0F'RQDOG
5HDGWR\RXU%XQQ\5RVHPDU\:HOOV
6HH6DZ$QQLH.XEOHU
7KH%DE\¶V&DWDORJXH-DQHW$OEKHUJ
:KHUHLVWKH*UHHQ6KHHS"0HP)R[
7DONLQJ/LVWHQLQJ²PRQWKV
)ROORZLQJ'LUHFWLRQV
'XULQJWKHVHIHZPRQWKVEDE\ZLOOOHDUQWRVD\DIHZZRUGVDQGSHUKDSVSXWZRUGV
WRJHWKHUWRIRUPDVLPSOHVHQWHQFH+RZHYHUWKH\ZLOOXQGHUVWDQGDORWPRUHZRUGV
HYHQWKRXJKWKH\FDQQRWVD\WKRVHZRUGV
%DELHVZLOOSRLQWWRWKLQJVRILQWHUHVWDQGPD\EDEEOHDORQJ7U\WRUHVSRQGWRWKHVH
DWWHPSWVWRFRPPXQLFDWHE\LGHQWLI\LQJWKHLULQWHUHVWLQDVLPSOHVHQWHQFHHJ³<HVWKDW¶V
DWUXFN7KHWUXFNJRHVEUPPEUPP´
:KHQ\RXDFWXSRQDFKLOG¶VEDEEOLQJ\RXVKRZWKHPWKDWWKHLUFRPPXQLFDWLRQLVYDOXHG
7KURXJKRXWWKHGD\\RXFDQHQFRXUDJHDFKLOGZLWKVRPHHDV\GLUHFWLRQVWKDW
•
:LOOKHOSGHYHORSWKHLUXQGHUVWDQGLQJRIODQJXDJH
•
$QGKHOSWKHPEHFRPHKDSS\KHOSHUV
7DONLQJ/LVWHQLQJ²PRQWKV
+LGLQJ*DPHV
2QFHEDELHVDUHRQWKHPRYHFUDZOLQJDQGZDONLQJWKH\ZLOOHQMR\HDV\KLGLQJJDPHV
7KH\DUHQRZPRUHIDPLOLDUZLWKWKHLUZRUOGDQGWKHLUPHPRU\LVGHYHORSLQJVRWKH\
ZLOOEHJLQWRORRNIRUIDYRXULWHWR\V.HHSLQJWKHLUIDYRXULWHSOD\WKLQJVLQWKHVDPH
SODFHVXSSRUWVWKHPLQWKHLUSOD\
•
•
:KHQLQWURGXFLQJDKLGLQJJDPH\RXPD\DWILUVWKDYHWROHDYHVRPH
HYLGHQFHRIWKHKLGGHQREMHFWIRUWKHPWRVHHHJDSDUWRIWKHWR\VWLOO
VKRZLQJRUDSDUWRI\RXVKRZLQJIURPEHKLQGWKHVKUXERUZKDWHYHU
7RKHOSEDE\ILQGREMHFWDQGOHDUQPRUHDERXWODQJXDJHJLYHVRPHYHU\
REYLRXVYHUEDOFOXHVHJ³:LOOZHKLGHWHGG\XQGHUWKHEDVNHW"´³,VWHGG\
EHKLQGWKHORXQJH"´
7DONLQJ/LVWHQLQJ²PRQWKV
$FWLYLW\6XJJHVWLRQV
•
*LYH\RXUFKLOGVRPHHDV\RQHVWHSLQVWUXFWLRQVHJ³3XW\RXUFXSRQ
WKHWDEOH´
•
•
:KHQWKH\EHFRPHFDSDEOHIROORZLQJRQHVWHSLQVWUXFWLRQVEHJLQWRRIIHU
WZRVWHSLQVWUXFWLRQVHJSXW\RXUVRFNVLQWKHZDVKEDVNHWDQGSXW
\RXUVKRHVLQWKHFXSERDUG
$FNQRZOHGJHWKHLUHIIRUWVZLWKDVSHFLILFWKDQN\RXIRUGRLQJZKDWHYHUWR
OHWWKHPNQRZWKDWWKHLUHIIRUWLVDOVRYDOXHG
7DONLQJ/LVWHQLQJ²PRQWKV
$FWLYLW\6XJJHVWLRQV
•
•
•
•
3OD\SHHNDERRZLWKDVFDUIWKDWLVDOLWWOHVHHWKURXJKSRSSLQJ\RXU
KHDGRXWIURPVLGHWRVLGHDERYHRUEHORZ8VHH[SUHVVLRQDQGH[FLWHG
YRLFHWRHQMR\WKHJDPH
8VHVFDUIRUDVKHHWWRJHQWO\FRYHUEDE\DQGDVNZKHUHLVEDE\XVLQJKLV
RUKHUQDPH/HWEDE\SHHNDERR\RX
)LQGDELJFDUGERDUGER[DQGSOD\-DFNLQWKH%R[ZLWKWKHVRQJ-DFNLV
O\LQJGRZQLQKLVER[XQWLOVRPHERG\RSHQVWKHOLG%RR8VHFKLOG¶VQDPH
LQVWHDGRI-DFN
3OD\ZLWKZLQGXSMDFNLQWKHER[WR\VRUSRSXSSXSSHWV
7DONLQJ/LVWHQLQJ²PRQWKV
3LFWXUH%RRNVIRU%DELHV
7DONLQJWKURXJKDSLFWXUHERRNZLWKEDE\ZLOO
•
*LYHEDE\WLPHWROLVWHQWRDQGOHDUQRXUODQJXDJH
•
+HOSEDE\OHDUQKRZERRNVZRUN
•
%HDVSHFLDOFXGGO\WLPHZLWK\RX
•
%HWLPHIRU\RXERWKWRUHOD[DQGUHVW
$FWLYLW\6XJJHVWLRQV
•
8VHUHDOLVWLFSLFWXUHVRIREMHFWVWKDWEDE\ZLOOHDVLO\UHFRJQLVH
•
6WLFNPDJD]LQHSLFWXUHVRQWKLFNFDUGERDUGSDJHVHDVLHUIRUEDE\WRWXUQ
•
3KRWRVRIIDPLO\RUSHWVLQDVPDOODOEXPZLOOEHVSHFLDOIRUEDE\
•
&XWDURXQGREMHFWVVRWKH\FOHDUO\VWDQGRXWRQWKHEDFNJURXQG
7DONLQJ/LVWHQLQJ²PRQWKV
0LUURU3OD\
(YHQWKRXJK\RXQJFKLOGUHQUHFRJQLVHDQGUHVSRQGWRIDPLOLDUSHRSOHLWWDNHVVRPH
WLPHDQGH[SHULHQFHWRUHFRJQLVHWKHPVHOYHVLQDPLUURU
2IWHQWREHJLQZLWKVWDQGLQJLQIURQWRIDIXOOVL]HPLUURUWKH\ZLOOSDWDWWKHPLUURU
RUWU\WROLFNRUWDVWHWKHPLUURU7KH\ZLOODOVRWU\DQGPRYHDURXQGWKHPLUURU
WU\LQJWRXQGHUVWDQGKRZLWZRUNV
,IWKH\VHH\RXLQWKHPLUURUWKH\ZLOOUHFRJQLVH\RXEXWVWLOOQRWUHFRJQLVHWKHPVHOYHV
6RPLUURUSOD\LVTXLWHIDVFLQDWLQJ
7DONLQJ/LVWHQLQJ²PRQWKV
0DNH\RXURZQJDOOHU\,WVWLPXODWHVORWVRIODQJXDJHDQG
FDQDOVRKHOSZLWKVOHHSURXWLQHV
&KDQJLQJSLFWXUHVJLYHPDQ\RSSRUWXQLWLHVIRUFKLOGUHQWROHDUQZRUGVDQG
DOVRLWFDQEHDYHU\SOHDVXUDEOHSDUWRIJHWWLQJUHDG\IRUVOHHSURXWLQHV
+DYHDSLFWXUHWUDLODW\RXUVKRXOGHUKHLJKWIURPOLYLQJDUHDVWR\RXU
JUDQGFKLOG¶VFRWRUEHG2ULIWKH\DUHJRLQJWREHZDONLQJSXWWKHPDW
WKHLUKHLJKWDOWKRXJKLWZRUNVEHVWZKHQ\RXFXGGOHDQGFDUU\WKHFKLOG
(DFKWLPH\RXDUHWDNLQJWKHOLWWOHRQHWREHGVWRSDWHDFKSLFWXUHDQGVD\
QLJKWLHQLJKWWRWKHFRZVWDUVPRRQMDPVDQGZLFKGRJEDE\$XQW\
(WKHOHWF7KLVLVJUHDWIXQDQGDOVRUHLQIRUFHVULWXDOVDURXQGZLQGLQJ
GRZQIRUDQDSRUJRLQJWREHGIRUWKHQLJKW$GGLQSLFWXUHVWRPDWFKWKH
FKLOG¶VFKDQJLQJLQWHUHVWVRYHUWLPH
7DONLQJ/LVWHQLQJ²PRQWKV
$FWLYLW\6XJJHVWLRQV
•
/RRNLQWRWKHPLUURUWRJHWKHUDQGWDONDERXWZKRLVWKHUHDQGZKDW\RXVHH
HJ³FDQ\RXVHHP\KDLU"´³ZKHUHLV\RXUKDLU"´³ZDYHE\HE\H´
•
:LWKDVPDOOHUPLUURUQDPHWKHSDUWVRIWKHIDFHDV\RXSRLQWWRWKHPQRVH
HDUVPRXWKHWF$VNFKLOGZKHUHLVKLVRUKHUQRVHPRXWKHWF7KLVZLOOKHOS
WKHPOHDUQDERXWWKHLUERG\DVZHOODVOHDUQLQJQHZZRUGV
6ORZO\WKH\ZLOOFRPHWRUHFRJQLVHWKHPVHOYHVDQGXQGHUVWDQGWKH
PDJLFRIPLUURUV
7DONLQJ/LVWHQLQJ²PRQWKV
7ULDQJXODU&RQYHUVDWLRQV
'XULQJWKHVHQH[WIHZPRQWKV\RXQJFKLOGUHQRIWHQH[SHULHQFHVRPHDQ[LHW\
VHSDUDWLQJIURPWKHLUIDPLOLDUFDUHUVRUZKHQPHHWLQJVRPHRQHQHZ,QDZD\
WKDWVKRZVWKDWWKH\DUHFOHDUO\DWWDFKHGWRWKHLUIDPLOLDUFDUHUDQGWKDWLVD
JRRGWKLQJ
,IDFKLOGLVDQ[LRXVDERXWDQHZSHUVRQWKH\ZLOORIWHQORRNWRWKHLUFDUHUDQG
VRPHWLPHVFOLQJZKLOHWKH\REVHUYHUHDFWLRQVDQGVHHNUHDVVXUDQFH7KLVLVDOVR
JRRGDVREYLRXVO\EDE\VKRZVWUXVWLQWKHLUFDUHU
+RZHYHULIWKHVWUDQJHULVVRPHRQHWKDW\RXZDQWEDE\WRJHWWRNQRZWKLVFDQ
EHDGLIILFXOWWLPH7KLVLVDJRRGWLPHWRIRFXVRQDWULDQJXODUFRQYHUVDWLRQ
7U\QRWWRKDQGEDE\RYHULPPHGLDWHO\EXWJLYHEDE\WLPHWRDVVHVVWKHVLWXDWLRQ
DQGJDLQVRPHUHDVVXUDQFHWKDW\RXHQMR\WDONLQJWRWKLVSHUVRQVRSRVVLEO\WKH\
PLJKWWRR
7DONLQJ/LVWHQLQJ²PRQWKV
0RUH,QIRUPDWLRQ
•
3DUHQWLQJ/LVPRUH¶V:D\LVDFROOHFWLRQRIERRNVDQG'9'VDYDLODEOHDW
WKH/LVPRUHDQG*RRQHOODEDKOLEUDULHV,QFOXGHVDVHOHFWLRQRIERRNVDERXW
XQGHUVWDQGLQJDQGFRPPXQLFDWLQJZLWK\RXUEDE\&RQWDFW\RXUORFDOOLEUDU\
IRUERUURZLQJGHWDLOV
6:,6+6WDWH:LGH,QIDQW6FUHHQLQJSURJUDPLVDSURJUDPWKDWKHOSV
LGHQWLI\EDELHVERUQZLWKVLJQLILFDQWKHDULQJORVVDQGRIIHUVUHIHUUDOWRVXLWDEOH
VXSSRUWVHUYLFHV&RQWDFW6:,6+,QIRUPDWLRQ/LQH
•
0HUULO\0HUULO\$%RRNRI6RQJVDQG5K\PHVDQG&'FRPSLOHG
•
DQGSXEOLVKHGE\$XVWUDOLDQ%UHDVWIHHGLQJ$VVRFLDWLRQLVDQH[FHOOHQWVRXUFH
RIVRQJVDQGSRHPVIRUEDELHVDQG\RXQJFKLOGUHQ2UGHUE\PDLO32%R[
*OHQ,ULV9LFRUEX\IURPWKHVDOHVGLYLVLRQ
ZZZPRWKHUVGLUHFWFRPDX
7DONLQJ/LVWHQLQJ²PRQWKV
$FWLYLW\6XJJHVWLRQV
•
7U\WRHVWDEOLVKDWKUHHZD\FRQYHUVDWLRQEHWZHHQ\RXWKHQHZSHUVRQDQG
EDE\(YHQWKRXJKEDE\PD\QRW\HWEHXVLQJZRUGVWKH\FDQEHLQYROYHG
•
)RUH[DPSOHJUHHWWKHQHZSHUVRQDQGH[FKDQJHFRQYHUVDWLRQZKLOHEDE\
REVHUYHV7U\WREHUHOD[HGDQGLQWURGXFHVRPHVPLOHVVREDE\IHHOV\RX
DUHDWHDVH
•
7KHQLQWURGXFHEDE\WRQHZSHUVRQXVLQJEDE\¶VQDPHDQGVRPHFRQYHUVDWLRQ
DERXWEDE\DJDLQZLWKVPLOHVDQGWUDQVIHUULQJORRNVIURPEDE\WRQHZSHUVRQ
DQGVRRQ
•
(QFRXUDJHQHZSHUVRQWRDOVRLQFOXGHEDE\LQFRQYHUVDWLRQLQVDPHUHOD[HG
KDSS\ZD\VRWKDWWKHFRQYHUVDWLRQLQZRUGVORRNVDQGVPLOHVPRYHVDURXQG
WKHWKUHHRI\RX(J³WKLVLVEDE\WKHLUQDPH%DE\OLNHV«HWF'LG\RX
NQRZEDE\DQG,KDYHEHHQ««ZKDWHYHU´
•
%DE\PD\VWLOOQHHGWRPHHWWKLVSHUVRQVHYHUDOWLPHVWRIHHODWHDVHZLWKWKHP
)LUVW5K\PHVIRU<HDUV
6RPHRIWKHVHERRNVFRPHZLWKD&'RU'9'WR
KHOS\RXVLQJDORQJ±DVNIRUWKHPDW\RXUORFDOOLEUDU\
$OO-RLQ,Q4XHQWLQ%ODNH<HDUV
%DE\'D\VDTXLOWRIUK\PHVDQGSLFWXUHV%HOLQGD'RZQHV
7KH%DE\¶V3OD\WLPH%RRN.D\&KRUDR
7KH&KLOGUHQ¶V%RRNRI$OSKDEHWV
'RRGOHGXP'DQFLQJ0HUHGLWK&RVWDLQ
(DFKSHDFKSHDUSOXP-DQHW$KOEHUJ
)LQJHU5K\PHV0DUF%URZQ
+DQG5K\PHV0DUF%URZQ
+HUH&RPHV0RWKHU*RRVH,RQD2SLH
7KH0RRQLQWKH0DQ(OL]DEHWK+RQH\
7KH2ZODQGWKH3XVV\FDW(GZDUG/HDU
:HQG\6WUDZ¶V1XUVHU\DQG3OD\WLPH5K\PHV:HQG\6WUDZ
:H¶UH*RLQJRQD%HDU+XQW0LFKDHO5RVHQ
7DONLQJ/LVWHQLQJPRQWKV±
&RQYHUVDWLRQVZKLOHJHWWLQJGUHVVHG
7RGGOHUVDUHQRZOHDUQLQJWRGUHVVWKHPVHOYHV±DELJ
DFKLHYHPHQW
7RDVVLVWFKLOGUHQZLWKWKLVVNLOOLWLVXVHIXOWRKHOSWKHP
OHDUQWKHQDPHVRIGLIIHUHQWSDUWVRIWKHERG\DVZHOO
DVWROHDUQWKHQDPHVIRUGLIIHUHQWSLHFHVRIFORWKLQJ
6LQJERG\SOD\VRQJVRUVLPSO\QDPHSDUWV
RIERG\DV\RXGUHVVFKLOG
•
/DWHU\RXFDQWKHQVXJJHVWWKH\SXWKHDGLQ
VKLUWILUVWWKHQDUP
•
/RRNLQDPLUURUWRJHWKHUDQGSRLQWRXWDQGQDPH
WKHGLIIHUHQWSDUWVRIWKHERG\
•
7DONLQJ/LVWHQLQJPRQWKV±
7RXFKDQG)HHO7DONLQJ%DJV
)LQGDVSHFLDOEDJRUPD\EHDQHPSW\WLVVXHER[WRSOD\DJXHVVLQJJDPH
ZLWKWRGGOHUV
3XWVRPHLQWHUHVWLQJREMHFWVLQEDJDQGHQFRXUDJHFKLOGWRUHDFKLQDQGIHHO
REMHFWEXWQRWORRNDWREMHFW
$VNFKLOGZKDWWKHREMHFWPLJKWEH",VLWVRIWRUVFUDWFK\"%LJRUOLWWOH"(WF
:KHQFKLOGKDVJXHVVHGZKDWREMHFWLVRULVQRWVXUHWDNHLWRXWIRUDORRN
WKHQGLVFXVVZKDWZHGRZLWKWKDWREMHFW
7DONLQJ/LVWHQLQJ5HDGLQJPRQWKV±
$FWLYLW\6XJJHVWLRQV
•
•
:KHQVRUWLQJWKHZDVKLQJDVNWRGGOHUVWRKHOSE\FROOHFWLQJVRFNV
VLQJOHWVRURQHSDUWLFXODUSLHFHRIFORWKLQJ*UDGXDOO\JHWWLQJWR
NQRZDOOWKHSLHFHV
<RXFDQWKHQHQFRXUDJHFKLOGZKHQWKH\DUHGUHVVLQJWRSXWRQ
VLQJOHWILUVWWKHQVKLUWHWFJHWWLQJWRNQRZWKHRUGHUIRUGUHVVLQJ
7DONLQJ/LVWHQLQJ5HDGLQJPRQWKV±
$FWLYLW\6XJJHVWLRQVIRUJXHVVLQJDQGFRQYHUVDWLRQ
•
$KDLUEUXVKIDFHZDVKHUDQGVRDS
•
6SRRQIRUNDQGFXS
•
6PDOOERRN
•
)DYRXULWHWR\
•
6RFNDQGVKRH
•
'LIIHUHQWIUXLWV
2EMHFWVQHHGWREHIDPLOLDUWRFKLOGDQGDOVRXVHIXOWROHDGWRFRQYHUVDWLRQ
DVRQHRIWKHYDOXHVRIWKLVJDPHLVWRKHOSWKHFKLOGGHYHORSODQJXDJHDQG
FRQYHUVDWLRQVNLOOV
7DONLQJ/LVWHQLQJPRQWKV±
6LPSOH6WRU\%RRNVIRU7RGGOHUV
6WRULHVIRUFKLOGUHQKHOSGHYHORS
•
/DQJXDJHVNLOO
•
(QFRXUDJHDQLQWHUHVWLQOHDUQLQJWRUHDG
•
'HYHORSLPDJLQDWLRQ
•
'HYHORSSUREOHPVROYLQJ
•
'HYHORSFRQFHQWUDWLRQ
•
,VDWLPHRIVSHFLDOSOHDVXUHWRJHWKHU
7DONLQJ/LVWHQLQJPRQWKV±\HDUV
+HOSLQJWRGGOHUVGHYHORSWKHLUVSHHFK
7DONLQJLQYROYHVPDNLQJWKHGLIIHUHQWVRXQGVWKDWFUHDWHDZRUGDVZHOODVSXWWLQJWKH
ZRUGVLQWRRUGHUWRFUHDWHDVHQWHQFH,WWDNHVDORQJWLPHDQGDORWRISUDFWLVHWRGR
WKLVIOXHQWO\DQGFRUUHFWO\6RZHPXVWEHSDWLHQWDQGFRQWLQXHWRVXSSRUWWRGGOHUVLQ
WKHLUOHDUQLQJ
•
•
,W¶VLPSRUWDQWWRUHVSRQGWRWKHLUDWWHPSWVHYHQLI\RXDUHXQVXUHRIZKDWWKH\
DUHWU\LQJWRVD\,I\RXFDQQRWXQGHUVWDQGWKHLUZRUGV\RXPD\KDYHWRDVN
WKHPLIWKH\FDQVKRZ\RX
,IWKH\WHOO\RXVRPHWKLQJEXWLWLVQRWVDLGFRUUHFWO\\RXFDQVLPSO\UHSHDWWKHLU
ZRUGVLQDSURSHUVHQWHQFHVRWKH\NQRZ\RXXQGHUVWDQGDQGVRWKH\FDQKHDU
DPRGHORIKRZWRSKUDVHWKRVHZRUGV
7DONLQJ/LVWHQLQJ5HDGLQJPRQWKV±
$FWLYLW\6XJJHVWLRQVIRUSLFNLQJJRRGERRNVIRUWRGGOHUV
•
FKRRVHVLPSOHVWRULHVIRUWRGGOHUV
•
ORRNIRUVWRULHVDERXWHYHQWVDQGDFWLRQVWKDWDUHIDPLOLDUWRWKHP
•
•
WKH\VKRXOGKDYHFOHDUUHDOLVWLFSLFWXUHVWKDWJLYHFOXHVWRVWRU\
DYRLGFDUWRRQW\SHSLFWXUHVIRUWKLVDJHJURXS
VLPSOHVHQWHQFHVWUXFWXUHKHOSVFKLOGUHQXQGHUVWDQGDQGOHDUQ
6RPHUHSHWLWLRQLQZRUGVFDQDOVRKHOSFKLOGIROORZDVWRU\DQGGHYHORSFRQFHQWUDWLRQ
7DONLQJ/LVWHQLQJ5HDGLQJPRQWKV±
$FWLYLW\6XJJHVWLRQV
•
•
,IWKHWRGGOHULVSRLQWLQJRUZKLQLQJDVNWKHQWRWHOO\RXRUXVHWKHLUZRUGV
*HWWLQJGRZQWRWKHLUOHYHODQGJLYLQJWKHP\RXUDWWHQWLRQDOVRKHOSVWKHPWR
WU\2IFRXUVHLIWKHWRGGOHUPDNHVDQREYLRXVHIIRUWHYHQWKRXJKQRWDOO
FRUUHFWUHZDUGWKHPE\UHVSRQGLQJLPPHGLDWHO\WRWKHLUUHTXHVW
(QFRXUDJLQJDWRGGOHUWRFKRRVHEHWZHHQWZRRSWLRQVDOVRHQFRXUDJHVWKHP
WRXVHWKHLUZRUGVDQGFDQDYRLGPDQ\DQDUJXPHQWRUWDQWUXP(J³7HOO
PHGR\RXOLNHMXLFHRUPLON"´/LVWHQWRWKHLUUHVSRQVHWKHQDJUHH³:HOOZH
ZLOOKDYHPLONWRGD\´2IFRXUVHRQO\RIIHUFKRLFHVWKDWFDQEHSURYLGHG
7DONLQJ/LVWHQLQJPRQWKV±\HDUV
([FXUVLRQV
1RZWKDWWRGGOHUVDUHZDONLQJH[SORULQJWKHZRUOGLVDELJDGYHQWXUH
6KRUWVLPSOHH[FXUVLRQVFDQH[WHQGWKHLUXQGHUVWDQGLQJRIWKHZRUOGDVZHOODV
H[WHQGLQJWKHLUYRFDEXODU\2QH[FXUVLRQV
•
7DONDERXWZKDW\RXVHH
•
3RLQWRXWQHZWKLQJVRILQWHUHVWSXWWLQJQHZZRUGVLQWRVHQWHQFHV
•
•
$VNWRGGOHUVVLPSOHTXHVWLRQVDERXWWKHLULQWHUHVWVUDWKHUWKDQJLYLQJDOO
LQIRUPDWLRQLPPHGLDWHO\
/DWHUWHOORWKHUIDPLO\PHPEHUVDERXWH[FXUVLRQZKLOH\RXUWRGGOHULV
ZLWKWKHP
7DONLQJ/LVWHQLQJPRQWKV±
0RUH,QIRUPDWLRQ
•
•
•
&KHFN\RXUORFDOOLEUDU\IRUDVWRU\WLPHZLWK\RXQJFKLOGUHQ/RRNXSSKRQH
QXPEHUVIRU\RXUORFDOFRXQFLORUVHHZHEVLWHV6WRU\WLPHVDUHIUHHDFWLYLWLHV
RUJDQLVHGWRLQWURGXFH\RXUFKLOGUHQWRWKHOLEUDU\DVZHOODVVKDUHDQGHQMR\
ERRNVWRJHWKHU
7KHZHEVLWHKWWSUDLVLQJFKLOGUHQQHWDXLVDQLQWHUHVWLQJZHEVLWHDERXWKRZ
FKLOGUHQOHDUQDQGKRZSDUHQWVFDQHQFRXUDJHDQGVXSSRUWWKHLUFKLOGUHQ
7KHLQIRUPDWLRQLVSUHVHQWHGLQGLIIHUHQWZD\VDQGLVHDV\WRIROORZ
7KH16:'HSDUWPHQWRI&RPPXQLW\6HUYLFHVKDVDQLQWHUHVWLQJZHEVLWHZLWK
D3DUHQWLQJ6HFWLRQWKDWKDVIDFWVKHHWVWRKHOSSDUHQWVFDUHIRUEDELHVDQG
\RXQJFKLOGUHQ/RRNXSIDFWVKHHWVRQKHOSLQJWRGGOHUVOHDUQWRWDON9LVLWWKH
ZHEVLWHDWZZZFRPPXQLW\QVZJRYDX
7DONLQJ/LVWHQLQJ5HDGLQJPRQWKV±
$FWLYLW\6XJJHVWLRQVIRUVLPSOHH[FXUVLRQV
•
&KRRVHDSODFHDQGDFWLYLW\WKDWKDVVRPHPHDQLQJDQGLQWHUHVWIRUWKHFKLOG
•
7KHSDUNIRUDSLFQLF
•
$GLIIHUHQWSDUNWRSOD\ZLWKDEDOO
•
6RPHZKHUHWRVHHDQDQLPDOPD\EHKRUVHLQDSDGGRFNSXSSLHVLQSHWVKRS
ILVKLQDQDTXDULXP
•
9LVLWWKHOLEUDU\DQGFKRRVHVRPHERRNVWRWDNHKRPH
•
$VKRUWWULSRQDEXVLI\RXXVXDOO\JRSODFHVE\FDU
)LUVW3LFWXUH%RRNVIRU<HDUV
7KHRQHVPDUNHGKDYHIODSVSRSXSVRUSHHSKROHVIRU\RXUFKLOGWRH[SORUH
$QQLH¶V&KDLU'HERUDK1LODQG
0U*XPS\¶V0RWRU&DU-RKQ%XUQLQJKDP
&DQ¶W\RXVOHHS/LWWOH%HDU"0DUWLQ:DGGHOO
0\<HOORZ%ODQN\6RILD/DJXQD
&RZVLQWKH.LWFKHQ-XQH&UHEELQ
2QHWR7HQDQG%DFN$JDLQ6XH+HDS
'HDU=RR5RG&DPSEHOO
7KH4XDQJOH:DQJOH¶V+DW(GZDUG/HDU
)X]]\<HOORZ'XFNOLQJV0DWWKHZ9DQ)OHHW
5RVLH¶V:DON3DW+XWFKLQV
*RRG1LJKW0H$QGUHZ'DGGR
6SRW¶V)LUVW:DON(ULF+LOO
*RRGQLJKW0RRQ0DUJDUHW:LVH%URZQ
6XQVKLQH-DQ2UPHURG
.LVVHVIRU'DGG\)UDQFHV:DWWV
7KH9HU\+XQJU\&DWHUSLOODU(ULF&DUOH
+RRUD\IRU)LVK/XF\&RXVLQV
7KH:KHHOVRQWKH%XV3DXO=HOLQNV\
+XQJU\%HDU'RQ:RRG
:KHUH¶V0\7HGG\"-H]$OERURXJK
,/RYH$QLPDOV)ORUD0F'RQQHOO
:KHUH¶V6SRW"(ULF+LOO
,ZHQWZDONLQJ6XH0DFKLQ
:KHUHWKH:LOG7KLQJV$UH0DXULFH6HQGDN
0DLV\¶V5DLQERZ'UHDP/XF\&RXVLQV
:KRVDQNWKH%RDW"3DPHOD$OOHQ
0LVWHU0DJQROLD4XHQWLQ%ODNH
0LII\'LFN%UXQD
0U*XPS\¶V2XWLQJ-RKQ%XUQLQJKDP
7DONLQJ/LVWHQLQJ%RRNV
±
%RRNVIRU±\HDUROGV
%RRNVDQGVWRULHVIRUWKLVDJHJURXSFDQ
•
+HOSFKLOGUHQXQGHUVWDQGWKHZRUOGDQGWKHPVHOYHV
•
+HOSGHYHORSDSRVLWLYHDWWLWXGHWRUHDGLQJE\HQMR\LQJZRQGHUIXOVWRU\WLPHV
•
(QFRXUDJHFKLOGUHQWRVKDUHLGHDVDQGWKRXJKWVDQGGHYHORSFRPPXQLFDWLRQVNLOOV
&KRRVLQJ%RRNV
•
6HOHFWDVWRU\WKDWKDVVRPHIDPLOLDUDVSHFWRUSRLQWWKDWFKLOGFDQFRQQHFWZLWK
•
&KRRVHDVWRU\WKDWLVLPDJLQDWLYHDQGZLOOWKXVH[WHQGDFKLOG¶VH[SHULHQFH
•
&KRRVHERRNVWKDWDUHJRRGODQJXDJHPRGHOVLQVHQWHQFHVWUXFWXUHDQGYRFDEXODU\
*RRGVWRULHVKDYHDEHJLQQLQJPLGGOHOHDGLQJWRFOLPD[DQGHQGLQJ
7DONLQJ/LVWHQLQJ
±<HDUV
6WRU\7HOOLQJ
&KLOGUHQDWWKLVDJHDUHGHYHORSLQJDVHQVHRIWLPHDQGVHTXHQFLQJDVZHOODVGHYHORSLQJ
WKHLULPDJLQDWLRQ0DNLQJXSVWRULHVVHHPVWRFRPHQDWXUDOO\6RPHVWUDWHJLHVDQGSURSV
WKDWFDQKHOSWKHPVWUXFWXUHWKHLUVWRULHVDQGH[WHQGLGHDVPLJKWLQFOXGH
•
5HWHOOLQJDQHYHQWWKDWKDVKDSSHQHGUHFHQWO\*XLGHFKLOGUHQZLWK$FWLYLW\6XJJHV
WLRQVDERXWWKHVHTXHQFHLHEHJLQQLQJPLGGOHDQGFRQFOXVLRQHJ³:KDWKDS
SHQHGILUVW"´DQGVRRQ
•
0DNHXSVWRULHVWRJHWKHUZKLOHWUDYHOOLQJRUZKHQKDYLQJUHVWWLPH(J³7KLV
PRUQLQJZDVDVXQQ\GD\$OLWWOHER\JLUOXVHFKLOG¶VQDPHGHFLGHGWRJR«´
/HWFKLOGFRQWLQXH7RFRQFOXGH³WKHQWKH\ZHQWKRPHDQGLWZDVWLPHWR«´
•
0DNHXSGLIIHUHQWHQGLQJVWRNQRZQVWRULHVHJ7KH7KUHH%HDUV7KLVFDQKHOS
FKLOGUHQZLWKGHFLVLRQPDNLQJDQGUHDOLVLQJZHKDYHRSWLRQVLQRXUOLYHV
7DONLQJ/LVWHQLQJ
±<HDUV
5HDGLQJWRFKLOGUHQ
•
)DPLOLDUL]H\RXUVHOIZLWKDQHZVWRU\EHIRUHKDQGDQGSUDFWLFHGLIIHUHQWYRLFHV
LIQHHGHG
•
2UJDQL]HWKHVHWWLQJHJILQGDTXLHWSODFHZLWKRXWGLVWUDFWLRQVHQVXUH\RXDQG
FKLOGUHQDUHFRPIRUWDEOHKROGERRNDWFKLOGUHQ¶VH\HOHYHO
•
,QWURGXFHERRNWRFKLOGUHQZLWKDOLWWOHLQIRUPDWLRQDERXWVWRU\EHIRUH\RXEHJLQ
•
:KHQUHDGLQJDOVRPDNHH\HFRQWDFWZLWKFKLOGUHQFKDQJHSDFHDVVWRU\
FKDQJHVVWRSWRORRNDWDQGGLVFXVVLOOXVWUDWLRQV
•
$QVZHUDQGGLVFXVVTXHVWLRQVZLWKFKLOGUHQWKHQSLFNXSVWRU\DJDLQEHIRUH
PRYLQJRQ
•
:KHQVWRU\LVILQLVKHGUHFDOOWKHPDLQSRLQWVUHODWHWRFKLOG¶VOLIHDQGGLVFXVVWKH
PDLQSRLQWVRUIHHOLQJVWKDWDULVHIRUFKLOGUHQ
7DONLQJ/LVWHQLQJ
±<HDUV
$FWLYLW\6XJJHVWLRQV
&ROOHFWVRPHVSHFLDODQGLQWHUHVWLQJREMHFWVDQGNHHSLQDVSHFLDOVWRU\WHOOLQJ
ER[2QVWRU\WHOOLQJRFFDVLRQVDOORZFKLOGWRFKRRVHDIHZRIWKHVHVSHFLDOSLHFHV
DQGPDNHXSDVWRU\WKDWFRQQHFWVWKHVHREMHFWV7KLQJVWKDWWKLVDJHJURXS
VHHPWRILQGLPDJLQDWLYHDQGLQVSLULQJLQFOXGH
•
RUQDPHQWVRIDQLPDOVWKDWFRXOGWDONRU\RXFRXOGULGHDZD\RQ
•
IDLULHVDQGVLPLODUPDJLFDOWKLQJV
•
PLQLDWXUHVHJKRXVHVERDWV
•
VPDOOSHUIXPHERWWOHVWKDWFRXOGKROGPDJLFSRWLRQHWF
•
ULEERQVWKDWFRXOGEHPDJLFURDGV
•
OLWWOHEHOOVMHZHOVJROGRUVLOYHUWKLQJV
7DONLQJ/LVWHQLQJ
±<HDUV
3XSSHWV
3XSSHWVPDNLQJFDQKHOSFKLOGUHQGHYHORSKDQGDQGILQJHUFRQWUROSUREOHPVROYLQJ
LPDJLQDWLRQDQGZLWK\RXUKHOSWKH\FDQH[WHQGWKHLUDELOLW\WRH[SUHVVWKHLULGHDVLQ
FUHDWLYHSXSSHWSOD\3XSSHWSOD\FDQDOVREHDQRSSRUWXQLW\WRH[SORUHGLIIHUHQWHYHQWV
DQGIHHOLQJV
6LPSOHSXSSHWVFDQEHPDGHRXWRISDSHUEDJVSDSHUFXSVSDSHUSODWHVVHFWLRQVRI
FDUGERDUGOXQFKZUDSWXEHVRUVPDOOER[HV2IIHUGLIIHUHQWW\SHVRISDSHUVHJ
VFUXQFK\FHOORSKDQHVWUHDPHUVRIFUHSHSDSHUVRIWWLVVXHSDSHUVWRGHFRUDWHDQG
DGGIHDWXUHV
$OORZFKLOGUHQWRH[SHULPHQWDQGXVHWKHLULPDJLQDWLRQWRFUHDWHSXSSHWVUDWKHUWKDQ
JLYHDVWHSE\VWHSLQVWUXFWLRQRUPRGHOWRFRS\7KLVDSSURDFKHQFRXUDJHVFUHDWLYLW\
DQGOHDGVWRLPDJLQDWLYHLGHDVRIZKDWSXSSHWPLJKWGRLQDSXSSHWSOD\
7DONLQJ/LVWHQLQJ
±<HDUV
:RUG*DPHV
3UHVFKRRODJHFKLOGUHQEHJLQWRGHYHORSDQLQWHUHVWLQUK\PLQJZRUGV7KH\VRPHWLPHV
SOD\ZLWKZRUGVDQGPDNHXSVLOO\ZRUGV:LWKWKHLUGHYHORSLQJVHQVHRIKXPRXUWKH\
RIWHQEHFRPHLQYROYHGLQVLOO\QRQVHQVHFRQYHUVDWLRQV
(YHQWKRXJKWKLVRIWHQVRXQGVOLNHDORWRIQRQVHQVHLWGRHVLQGLFDWHWKDWWKH\DUH
EHJLQQLQJWRXQGHUVWDQGWKDWZRUGVDUHPDGHXSRIVHSDUDWHVRXQGVDQGWKLVZLOOEH
XVHIXONQRZOHGJHLQOHDUQLQJWRUHDG
6RLWLVDJRRGWLPHWRIRFXVRQDQGKDYHVRPHIXQZLWKZRUGJDPHV
7DONLQJ/LVWHQLQJ
±<HDUV
$FWLYLW\6XJJHVWLRQV
• 7DONZLWKFKLOGUHQDVWKH\FUHDWHWKHLUSXSSHWVDERXWZKDWWKHSXSSHWPLJKW
OLNHWRGRRUZKHUHSXSSHWPLJKWOLYHDQGVRRQWRJHQHUDWHLGHDV
•
•
6HWXSDSXSSHWWKHDWUHZLWKDVSHFLDOFORWKRYHUDWDEOHRUPDNHDWKHDWUHRXW
RIDODUJHFDUGERDUGER[
,IQHHGHGHQFRXUDJHFKLOGUHQZLWKWKHLUSXSSHWSHUIRUPDQFHE\DVNLQJUHOHYDQW
RSHQHQGHGTXHVWLRQVWRKHOSWKHPH[SUHVVWKHLULGHDVHJ³ZKDWKDYH\RXEHHQ
GRLQJWRGD\"´RU³ZKDWGR\RXOLNHWRGRZLWK\RXUSXSSHWIULHQGV"´³+RZGR
\RXIHHOWRGD\"´RU³:KDWPDNHV\RXIHHOOLNHWKDW"´
•
<RXFRXOGEHLQYROYHGDVDQDXGLHQFHSHUVRQRUZLWKDQRWKHUSXSSHW
•
0DNHKRPHVIRUWKHSXSSHWVWRVOHHSLQZKHQWKHLUVKRZKDVILQLVKHG
7DONLQJ/LVWHQLQJ
±<HDUV
$FWLYLW\6XJJHVWLRQV
•
•
3OD\,6S\ZLWK0\/LWWOH(\H$VNIRUVRPHWKLQJEHJLQQLQJZLWKWKHVRXQGRID
OHWWHUUDWKHUWKDQZLWKWKHQDPHRIWKHOHWWHU
0DNHXSUK\PHVHJWKHFDWVDWRQWKHPDWWKHGRJVDWRQWKH«HWF7KHUH
DUHDORWRIQRQVHQVHVRQJVRUVRQJVWKDWSOD\ZLWKVLOO\UK\PHVIRUWKLVDJH
JURXS<RXFRXOGILQGVRPHRQWKH$%&3OD\VFKRROFDVVHWWHVRU&'V:KHQ
OLVWHQLQJWRWKHVHFKLOGUHQFRXOGPDNHXSWKHLURZQUK\PHVHJ³3HDQXWO\LQJ
RQWKHUDLOZD\WUDFNLW¶VKHDUWZDVDOODIOXWWHUWUDLQFDPHURDULQJURXQGWKH
EHQGWRRWWRRWSHDQXWEXWWHU/HWFKLOGUHQPDNHXSQH[WYHUVHHJ%DQDQD
O\LQJRQWKHUDLOZD\WUDFNIHHOLQJNLQGRIJURRY\WUDLQFDPHURDULQJURXQG
WKHEHQGWRRWWRRWEDQDQD«««´
•
2IIHUFKLOGUHQVRPHVLPSOHMRNHVRUNQRFNNQRFNJDPHV<RXPLJKWKDYHWREHJLQ
DFROOHFWLRQ
7DONLQJ/LVWHQLQJ
±<HDUV
/LVWHQLQJ
,WLVXSWRXVWRPRGHOJRRGOLVWHQLQJVNLOOV2XUPRGHOZLOOVKRZDQGHQFRXUDJH
FKLOGUHQWREHJRRGOLVWHQHUVWRR*RRGOLVWHQLQJLVDXVHIXOOHDUQLQJVNLOODQGDOVR
KHOSIXOLQUHGXFLQJFRQIOLFWDQGDUJXPHQW
•
•
•
•
•
:KHQFKLOGUHQZDQWWRWHOO\RXVRPHWKLQJ
6WRSDQGDWWHQGWRWKHLUFRQYHUVDWLRQJHWGRZQWRWKHLUH\HOHYHODQGOHW\RXU
ERG\ODQJXDJHVKRZWKHPWKDW\RXDUHLQWHUHVWHG
:KHQWKH\KDYHILQLVKHGWU\WRUHSKUDVHZKDWWKH\KDYHWROG\RXEHIRUH\RX
PRYHRQZLWKWKHFRQYHUVDWLRQVRWKH\NQRZWKDW\RXKDYHJRWWKHLUPHVVDJH
,IWKH\DUHHPRWLRQDOWU\WRDFNQRZOHGJHWKHLUIHHOLQJVWRRHJ,VHHWKDWPDGH
\RXVFDUHGDQJU\VDGRUZKDWHYHU7KLVZLOOOHWWKHPNQRZWKDW\RXFDUH
7KLVSDWWHUQRIUHVSRQVHLVNQRZQDV$FWLYHDQG5HIOHFWLYH/LVWHQLQJ
7DONLQJ/LVWHQLQJ
±<HDUV
0RUH,QIRUPDWLRQ
•
•
•
•
&KHFN\RXUORFDOOLEUDU\IRUDVWRU\WLPHZLWK\RXQJFKLOGUHQ/RRNXSSKRQH
QXPEHUVIRU\RXUORFDOFRXQFLORUVHHZHEVLWHV6WRU\WLPHVDUHIUHHDFWLYLWLHV
RUJDQLVHGWRLQWURGXFH\RXUFKLOGUHQWRWKHOLEUDU\DVZHOODVWRHQMR\ERRNV
7RGHYHORS\RXUVWRU\WHOOLQJVNLOOVORRNXSDZHEVLWHIRUFKLOGUHQWKDWKDVORWV
RILGHDVWKDWPLJKWLQVSLUH\RXWRRKWWSZZZVWRU\FUDIWFRP
$QLQVSLULQJERRNWRHQFRXUDJLQJHYHU\RQHWRFUHDWHVWRULHVWRKHOSDQG
KHDOKDVUHFHQWO\EHHQSXEOLVKHGE\DORFDOVWRU\WHOOHU6XVDQ3HUURZ
+HDOLQJ6WRULHVIRU&KDOOHQJLQJ%HKDYLRXU+DZWKRUQ3UHVV8.
6HHZHEVLWHKWWSKHDOLQJWKURXJKVWRULHVFRP
$QRWKHUORFDOVWRU\WHOOHUKDVUHFHQWO\UHOHDVHGD&'RIEHDXWLIXOJHQWOH
HQFKDQWLQJVWRULHV-HQQL&DUJLOO6WURQJ7KH0HUPDLG¶V6KRHV
7RRUGHUSKRQHRUZZZWKHVWRU\WUHHFRPSDQ\FRPDX
7DONLQJ/LVWHQLQJ
±<HDUV
$FWLYLW\6XJJHVWLRQV
•
•
(DFKGD\KDYHDVSHFLDOWLPHWRWDONZLWKDQGLQSDUWLFXODUOLVWHQWRFKLOGUHQ
7KLVFRXOGEHDWDPHDOWLPHWRWDONDERXWWKHLUGD\RUVRPHRWKHUSDUWLFXODU
WLPHZKHQWKHUHLVWLPHIRUTXLHWDQGFRQFHQWUDWLRQ8VHRSHQHQGHGTXHVWLRQV
WRRSHQXSFRQYHUVDWLRQ7KHVHTXHVWLRQVXVXDOO\EHJLQZLWKZKDWZKHUH
ZKHQZK\RUKRZDQGUHTXLUHPRUHFRPSOH[DQVZHUVWKDQDVLQJOHZRUG
UHVSRQVH7KHQRIFRXUVHSUDFWLVHDFWLYHDQGUHIOHFWLYHOLVWHQLQJ5HJXODUWLPH
ZLOOKHOSFKLOGUHQIHHOYDOXHGDVZHOODVSURYLGHDQRSSRUWXQLW\WRGHYHORSWKHLU
FRQYHUVDWLRQVNLOOVDQGH[SUHVVWKHLUWKRXJKWVDQGIHHOLQJV
,IWXUQWDNLQJLQFRQYHUVDWLRQEHFRPHVDSUREOHPDPRQJVWFKLOGUHQRURQH
FKLOGGRHVQRWVHHPWREHJLYHQDQRSSRUWXQLW\WU\XVLQJDWDONLQJWRROHJD
VSHFLDOVWRQHEDOORUWDONLQJVWLFNWRSDVVDURXQGWKHJURXS6XFKDWRROFDQ
GHYHORSDZDUHQHVVRIZKRVHWXUQLWLVDQGHQFRXUDJHVZDLWLQJIRUDWXUQ
<RXFDQERUURZ7DONLQJ%RRNVRQ&'¶VRUWDSHVIURPWKHOLEUDU\7KH$%&
VKRSDOVRVWRFNVWKHP+HUHLVDQH[DPSOHWKDWVHOOVIRU&'6HW
:LWKRYHUDOOWLPHIDYRXULWHVRQJVVWRULHVDQGQXUVHU\UK\PHVWKLV&'
VHWLVVXUHWRGHOLJKWWKHFKLOGUHQ)HDWXULQJWKH&'¶V
%HGWLPH6RQJV6WR
ULHV
)DLU\WDOH$GYHQWXUHV6WRU\%RRN
DQG
7ZLQNOH7ZLQNOH/LWWOH6WDU$QG
2WKHU1XUVHU\5K\PHV)RU.LGV
WKLVFRPSUHKHQVLYHFROOHFWLRQRIVRQJVWKDW
KDYHHQFKDQWHGFKLOGUHQIRUJHQHUDWLRQVZLOOSURYLGHZRQGHUIXO
HQWHUWDLQPHQWIRUNLGVDQGNLGVDWKHDUW
7KHUHDUHPDQ\ZRQGHUIXOERRNVVSHFLDOO\ZULWWHQWRKHOSFKLOGUHQGHDOZLWKDZKROHUDQJHRIHPRWLRQDOO\
FKDOOHQJLQJWKLQJVWKDWPD\EHKDSSHQLQJLQWKHLUOLYHV$VN\RXUOLEUDULDQWRVXJJHVWVRPHWKDWDUHULJKW
IRU\RXUJUDQGFKLOG$VDQH[DPSOHKHUHDUHVRPHERRNVWRKHOSWUDXPDWL]HGFKLOGUHQGHDOZLWKWKHLUIHHO
0DUJRW6XQGHUODQGKDVZULWWHQDVHULHVRIILYHEHDXWLIXOO\LOOXVWUDWHGERRNVGHVLJQHGWRKHOSFKLOGUHQZKRDUHWURX
EOHGLQWKHLUOLYHV$FWLQJDVYHKLFOHVWRKHOSFKLOGUHQWKLQNDERXWDQGFRQQHFWZLWKWKHLUIHHOLQJVWKH\DUHSULPDULO\
IRUXVHE\SURIHVVLRQDOV+RZHYHUSDUHQWVDQGFDUHUVZLOODOVRILQGWKHPXVHIXODVDFRPPXQLFDWLRQWRROZLWKWKHLU
FKLOGUHQ(DFKVWRU\ERRNLVDFFRPSDQLHGE\LWVRZQ*XLGHERRN
:LOO\DQGWKH:REEO\+RUVH3XEOLVKHU:LQVORZ
7KLVLVDVWRU\IRUFKLOGUHQZKRDUHDQ[LRXVRUREVHVVLRQDO,WLVDERXW:LOO\ZKRH[SHULHQFHVWKHZRUOGDVDYHU\
XQVDIHZREEO\SODFHZKHUHDQ\WKLQJDZIXOPLJKWKDSSHQDWDQ\WLPH,WHQGVKDSSLO\ZKHQKHYLVLWVWKH3XGGOH
3HRSOHZKRKHOSKLPWREUHDNRXWRIKLVIL[HGSDWWHUQV
$:LEEOH&DOOHG%LSOH\DQGD)HZ+RQNV
&KLOGUHQZKRKDYHKDUGHQHGWKHLUKHDUWVRUEHFRPHEXOOLHVZLOOEHQHILWIURPWKLVVWRU\
,WWHOOVRI%LSOH\XVXDOO\ZDUPDQGFXGGO\ZKRWXUQVLQWRDKDUGHQHGFKDUDFWHUDIWHUVRPHKXUWIXOH[SHULHQFHV
/XFNLO\KHPHHWVVRPHFUHDWXUHVZKRWHDFKKLPKRZKHFDQSURWHFWKLPVHOIZLWKRXWKDUGHQLQJKLVKHDUW
Sing away! Put on your favorite music and encourage them
to sing with you. If they like a song play it often, as children
learn and love to learn, through repetition. All kinds of music
can be enjoyed and learned by even very young children.
Some people think that if they sing a liitle off key they might
make their grandchildren tone deaf. That’s a myth, and
encouraging children to find joy in music is more important
than singing perfectly in tune.
YOU DON’T NEED ANY SPECIAL SKILL OR TALENT TO
ENJOY MUSIC MAKING WITH CHILDREN.
Music brings much joy, and can help children feel secure and
safe by providing them with repeated patterns of fun times
and tunes that go with daily routines. It can calm children,
cheer children and teach them many useful things.
Music helps children to learn essential listening skills
MUSIC
0XVLF/8//$%,(6%LUWK±PRQWKV
/XOODELHVFDQ
•
6RRWKHDQGUHOD[EDE\
•
/HWEDE\NQRZWKH\DUHORYHGDQGFDUHGIRU
•
,QWURGXFHEDE\WRWKHMR\RIPXVLFDQGVREHJLQWKHLUPXVLFDOHGXFDWLRQ
•
$QGVRRWK\RXWRR
$Q\VRQJZLOOGRRUKXPLI\RXSUHIHU6LQJTXLHWO\DQGFDOPO\
+ROGEDE\FORVHWR\RXVRWKDWWKH\IHHOWKHUHVRQDQFHRI\RXUYRLFH
7KLVDORQHFDQEHYHU\FRPIRUWLQJ
5RFNRUJHQWO\SDWEDE\VRWKH\IHHOWKHUHJXODUEHDWRIWKHVRQJ
6HHWKHEDFNRIWKLVFDUGIRUVXJJHVWHGUK\PHVDQGVRQJV
0XVLF%2'<3/$<621*6%LUWK±PRQWKV
:KHQFKDQJLQJWKHEDE\¶VQDSS\WDNHWKHWLPHWRSOD\DJDPH
7KLVKHOSV\RXUEDE\WR
•
.QRZWKH\DUHVSHFLDO
•
/HDUQDERXWWKHLUERG\
•
(QMR\WKHIXQRIJDPHV
•
-RLQLQDPXVLFDOH[SHULHQFH
%HVXUHWRVWRSZKHQWKHEDE\VKRZVWKH\KDYHKDGHQRXJKIRUQRZ
6HHWKHEDFNRIWKLVFDUGIRUVXJJHVWHGUK\PHVDQGVRQJV
0XVLF/8//$%,(6%LUWK±PRQWKV
3HUKDSV\RXNQRZRQHRIWKHIROORZLQJ
7ZLQNOH7ZLQNOH
/LWWOH%R\EOXH
6WDU/LJKW6WDUEULJKW
•
•
•
2UPDNHXS\RXURZQHJ
6OHHS\KHDGJRWREHG
6OHHS\KHDGJRWREHG
0\OLWWOHVOHHS\KHDG
<RXFRXOGERUURZDFDVVHWWHRUERRNIURPOLEUDU\WROHDUQVRPHPRUHVRQJV
0XVLF%2'<3/$<621*6%LUWK±PRQWKV
6XJJHVWLRQV
•
5RXQGDQGURXQGWKHJDUGHQ
6WDUWRQWKHWXPP\DQGFUHHSXSWRWKHLUFKLQ
•
•
3OD\ZLWKWKHLUWRHVRQHE\RQH
+HDGVDQG6KRXOGHUV
*LYHDJHQWOHVTXHH]HRQHDFKERG\SDUWDV\RXVLQJ
•
7KLVOLWWOHSLJJ\ZHQWWRPDUNHW
3LWW\SDWW\SROWVKRHWKHOLWWOHFROWKHUHDQDLOWKHUHDQDLOSLWW\SDWW\
SROW
*HQWO\SUHVVLQJVROHRIIRRWZLWKWKXPEDV\RXVLQJ
0XVLF'$1'/,1*621*6±PRQWKV
'DQGOHLVDQROGIDVKLRQHGZRUGIRUGDQFHRQ\RXUNQHH:KHQEDE\LV
DEOHWRVLWXSWKH\ZLOOHQMR\DERXQFHRQ\RXUNQHH
•
<RXZLOOQHHGWRKROGWKHLUKDQGVVRWKH\FDQEDODQFH
•
6LQJDVRQJZLWKDERXQFHLQLWRUDJDOORSLQJWXQH
/HWEDE\IHHOWKHEHDWLQWKHERXQFH
6RPHWLPHVZKHQWKHWXQHVXJJHVWV\RXFDQVOLGHEDE\GRZQWR\RXU
IRRWDQGERXQFHWKHPWKHUHHJ,IVLQJLQJ+XPSW\'XPSW\VOLGHFKLOG
GRZQZKHQ³+XPSW\KDVDJUHDWIDOO´2QFHDJDLQNHHSKROGLQJWKHLU
KDQGVDQGVOLGHEDE\JHQWO\VRWKH\GRQ¶WIDOO
6HHWKHEDFNRIWKLVFDUGIRUVXJJHVWHGUK\PHVDQGVRQJV
0XVLF$086,&$/(19,5210(17±PRQWKV
%DE\¶VKHDULQJLVILQHO\WXQHGDWELUWK
:KHQEDELHVDUHDZDNHDQGDOHUWRIIHUWKHPDYDULHW\RIVRXQGVWR
FDSWXUHWKHLUDWWHQWLRQ&UHDWHDPXVLFDOHQYLURQPHQWIRUWKHPWR
HQMR\
%DELHVSUHIHUVRIWUK\WKPLFDOVRXQGVUDWKHUWKDQORXGVXGGHQ
VRXQGVZKLFKFDQVWDUWOHDQGIULJKWHQWKHP
$FNQRZOHGJHWKHLULQWHUHVWE\VKRZLQJWKHPWKHVRXQGPDNHURU
LPLWDWLQJWKHVRXQGDJDLQLQ\RXURZQZD\HJ³'LG\RXKHDUWKH
FDWJRPHRZPHRZ"´
6HHWKHEDFNRIWKLVFDUGIRUVXJJHVWHGUK\PHVDQGVRQJV
0XVLF'$1'/,1*621*6±PRQWKV
6XJJHVWLRQV
•
<DQNLH'RRGOH
•
+XPSW\'XPSW\
•
•
*LGG\XSJLGG\XSJLGG\XSKRUVH\JLGG\XSJLGG\XSJRJRJR
5HSHDWWKHQVLQJZKRDZKRDZKRDWRILQLVK
7KLVLVWKHZD\WKHODGLHVULGHMLJJHG\MRJMLJJHG\MRJ««
0XVLF$086,&$/(19,5210(17±PRQWKV
6XJJHVWLRQV
•
+DQJFKLPHVVRPHZKHUHLQWKHKRXVHZKHUH\RXFDQYLVLWDQGOLVWHQWR
WKHP0D\EHQHDUWKHEDE\¶VFKDQJHWDEOH9DU\WKHFKLPHVRFFDVLRQDOO\
HJVKHOOVRUEDPERRRUWLQNOLQJPHWDOWXEHVWRPDLQWDLQLQWHUHVW
7DNHEDE\RXWVLGHWROLVWHQWRWKHQDWXUDOVRXQGVRIELUGVRUWKHEUHH]H
UXVWOLQJWKHOHDYHV%ULQJEDE\¶VDWWHQWLRQWRWKHVRXQGWU\WRLPLWDWHWKH
VRXQG\RXUVHOIRUPD\EH\RXFRXOGPDNHXSDOLWWOHVRQJ
•
5XVWOH±OLQJOHDYHV
5XVWOH±OLQJOHDYHV
6KVKVKVK
6KVKVKVKDOOGDD\ORQJ
0XVLF(7¶6'$1&(±PRQWKV
/HW¶V'DQFH
'R\RXKDYHVRPHROGIDYRXULWHGDQFHPXVLFPD\EHDZDOW]D
TXLFNVWHSRUOLYHO\URFNDQGUROORUMLYH"
•
•
•
&OHDUDVSDFHDQGGXVWRIIWKRVHROGYLQ\OUHFRUGVFDVVHWWHVRU
&'VDQGHQMR\RQFHDJDLQ
+ROGEDE\FORVHDQGWDNHWKHPIRUDGDQFHDURXQGWKHOLYLQJ
URRP%DE\ZLOOHQMR\DFXGGOHRQWKHPRYH
$VZHOOEDE\ZLOOIHHOWKHUK\WKPRIWKHPXVLFDQGWKDWZLOOH[
WHQGWKHLUPXVLFDOH[SHULHQFH
0XVLF0RUH,QIRUPDWLRQ±PRQWKV
ĨŽƌĂďŝĞƐͲ^ůĞĞƉLJdŝŵĞThe latest releases from the highly acclaimed
ABC for Babies series. With lullaby arrangements of well known songs such as “Groovy
Kind of Love” and “Dream A Little Dream”,
BOTH OF THESE CD’S ARE AVILABLE FROM YOUR ABC Shop
This exciting and innovative project was created in consultation with Professor
Annette Dionne Karmiloff-Smith, the Head of the Neuro cognitive Department
of the Institute of Child Health at one of Britain's leading obstetric hospitals,
Great Ormond Street in London. Babies haven't yet developed a sophisticated
taste in music - they're delighted by sounds like strong simple rhythms,
fragments of other babies' voices, animal sounds, and distinctive, appealing
melodies. And those are the sounds that come together on Baby Bright 2, in a
stimulating, inspiring and incredibly appealing collection of specially created
musical pieces.
There are plenty of fascinating sounds on Baby Bright 2, including babies' own voices - gurgling, laughing
and verbalising - as well as animal noises and a raft of unexpected instruments. And they're melded together
in a unique and exciting way that parents will love as much as their baby. Designed to fuel babies' natural
curiosity, this seemingly endless collection of fascinating and intriguing sounds will enchant any child.
0XVLF/(7¶6'$1&( ±PRQWKV
•
$VEDE\EHFRPHVIDPLOLDUZLWKWKHVHGDQFLQJH[SHULHQFHVRIIHU
EDE\DVFDUIWRKROGDQGZDWFKLWIORZDV\RXVZLUODERXW
•
,I\RXGRWKLVUHJXODUO\EDE\ZLOOFRPHWRNQRZWKDWWRSDUWLFLSDWHLQ
PXVLFLVDQHQMR\DEOHIXQZD\WRVKDUHJRRGWLPHVZLWKRWKHUV
•
'DQFHFDQDOVREHJRRGH[HUFLVHIRUERWKERG\DQGPLQG
•
*RRGIRU\RXDQGEDE\*RRQHQMR\\RXUVHOIDQGGDQFH
0XVLF0RUH,QIRUPDWLRQ±PRQWKV
0HUULO\0HUULO\$%RRNRI6RQJVDQG5K\PHVDQG&'FRPSLOHGDQG
SXEOLVKHGE\$XVWUDOLDQ%UHDVWIHHGLQJ$VVRFLDWLRQLVDQH[FHOOHQWVRXUFHRI
VRQJVDQGSRHPVIRUEDELHVDQG\RXQJFKLOGUHQ2UGHUE\PDLO32%R[
*OHQ,ULV9LFRUEX\IURPWKHVDOHVGLYLVLRQ
ZZZPRWKHUVGLUHFWFRPDX
&KHFN\RXUORFDOOLEUDU\IRUDPXVLFWLPHZLWKEDELHV%RWK/LVPRUHDQG
*RRQHOODEDKOLEUDULHVKDYHD%DE\%RXQFHDQG5K\PHVHVVLRQHDFKZHHN
IRUEDELHV\HDUV$JRRGZD\WRPHHWRWKHUVDQGHQMR\PXVLFZLWK\RXU
EDE\WRR
-RLQDSOD\JURXSQHDU\RXRUVWDUW\RXRZQSOD\JURXSWRHQMR\VRPH
PXVLFVHVVLRQV&RQWDFWWKH3OD\JURXS$VVRFLDWLRQRQRU
YLVLWWKHLUZHEVLWHZZZSOD\JURXSDXVWUDOLDFRPDX
0XVLF086,&$/,167580(176WRPWKV
,QWURGXFLQJPXVLFDOLQVWUXPHQWV
:KHQEDE\FDQVLWXSDQGKROGREMHFWVZHFDQLQWURGXFHVRPH
VLPSOH
PXVLFDOLQVWUXPHQWV7KLVZLOOHQFRXUDJHWKHFKLOG
•
•
WRH[SORUHVRXQGV
WRGHYHORSDZDUHQHVVRIG\QDPLFVWKHORXGQHVVRUVRIWQHVV
RIVRXQGV
•
WREHDZDUHRIWHPSR±KRZWKHVRXQGVYDU\IURPIDVWWRVORZ
•
WREHDZDUHRIWKHWRQDOTXDOLWLHVRIGLIIHUHQWVRXQGV
7KHVHDVSHFWVDUHEDVLFPXVLFDOFRQFHSWVDQGLPSRUWDQWGLVFRY
HULHVLQWKHEXVLQHVVRIPDNLQJPXVLF(YHQWKRXJKWKHVRXQGV
PD\QRWVRXQGYHU\PXVLFDODWWKLVSRLQW
0XVLF&/$3:,7+7+(086,& WRPWKV
$WWKLVDJHFKLOGUHQOHDUQWRFRRUGLQDWHFODSSLQJVRLW¶VDJRRG
WLPHWR
LQWURGXFHFODSSLQJVRQJVWRIHHOWKHEHDWRIVRQJV7KLVKHOSVD
FKLOG
•
7RKHDUDQGIHHOWKHEHDWRIWKHPXVLF
•
3UDFWLVHFRRUGLQDWLRQDQGKDQGFRQWURO
•
7RMRLQLQDJDPHZLWKRWKHUV
&ODSSLQJJDPHVFDQDOVREHIXQZD\VWRILOOLQDQGHDVHZDLWLQJ
WLPHV
6HHWKHEDFNRIWKLVFDUGIRUVXJJHVWHGUK\PHVDQGVRQJV
0XVLF086,&$/,167580(176WRPWKV
6XJJHVWLRQV
2UJDQLVHDGUXPNLW8VHGLIIHUHQWVL]HWLQVIURPWKHNLWFKHQFXSERDUGZLWKD
VKRUWKDQGOHGZRRGHQVSRRQ
•
6LQJDORQJZLWK³2KZHFDQSOD\RXUGUXPNLWDQGWKLVLVWKHZD\ZHSOD\LW
ZLWKDUXPWXPWXPDQGDUXPWXPWXPDQGWKDW¶VWKHZD\ZHSOD\LW´
&ROOHFWVRPHVPDOOHDV\WRKROGSODVWLFERWWOHVDQGILOOZLWKLQWHUHVWLQJ
VRXQGPDNHUVHJULFHVDQGDSDGGOHSRSVWLFN&KRRVHREMHFWVWKDWZLOO
QRWEHDFKRNLQJKD]DUGLIWKH\HVFDSHIURPWKHERWWOH7DSHRUJOXHFDSRQ
WRSUHYHQWWKLV
•
6LQJDORQJZLWK³(YHU\ERG\VKDNLQJVKDNLQJVKDNLQJHYHU\ERG\VKDNLQJ
MXVWOLNHWKLV´
+DQJDURZRIPXVLFPDNHUVVRPHZKHUHIRUFKLOGWRWDSRUVKDNHZKHQ
SDVVLQJ7KLVFRXOGLQFOXGHWHDVSRRQVDQGVDXFHSDQOLGV&KRRVHREMHFWV
WKDWDUHQRWWRRKHDY\VRWKH\ZLOOQRWVZLQJEDFNDQGKXUWWKHFKLOGDVWKH\
SOD\WKHLUPXVLF
•
0XVLF&/$3:,7+7+(086,& WRPWKV
6XJJHVWLRQV
•
³0\KDQGVDUHFODSSLQJFODSSLQJFODSSLQJP\KDQGVDUHFODSSLQJ
MXVWOLNHWKLV´FODSORXGRUVRIWIDLU\FODSVIDVWRUVORZ
•
³/HWHYHU\RQHFODSKDQGVZLWKPH[[,W¶VHDV\DVHDV\FDQEH[[/HW
HYHU\RQHMRLQLQWKHJDPH[[<RX¶OOILQGWKDWLW¶VDOZD\VWKHVDPH[[
[[PHDQVFODSFODS
•
:KHQFKLOGEHFRPHVIDPLOLDUZLWKWKHVHVRQJVWKHDFWLRQVFDQEH
FKDQJHGWRVWRPSLQJRUMXPSLQJRUZKDWHYHUVXLWVFKLOG¶VVNLOO
•
,QVWUXPHQWVFDQEHXVHGZLWKWKHVHVRQJVWRR
0XVLF:$/.,1*621*6 WRPWKV
,W¶VRH[FLWLQJWROHDUQWRZDON
(QMR\WKRVHZDQGHULQJVZLWKDZDONLQJVRQJ
•
³&RPHDORQJQRZOHW¶VJRZDONLQJDOOMRLQKDQGVDQGZH¶OOJR
ZDONLQJFRPHDORQJQRZZLWK\RXUELJVPLOHRQ´RUJUHHQ
SDQWVRUEOXHKDWRUZKDWHYHUDSSOLHVWKDWGD\
/HW¶VJRZDONLQJZDONLQJZDONLQJOHW¶VJRZDONLQJIDUIDU
DZD\/HW¶VZDONEDFNDJDLQEDFNDJDLQEDFNDJDLQOHW¶VZDON
EDFNDJDLQEDFNWKHVDPHZD\´
•
6HHWKHEDFNRIWKLVFDUGIRUVXJJHVWHGUK\PHVDQGVRQJV
0XVLF'$1'/,1*621*6 WRPRQWKV
'DQGOLQJ6RQJV,¶PLQWRVLQJLQJ'XULQJWKLVWLPH±PRQWKV
FKLOGUHQGHYHORSIURP
•EDEEOLQJDVWULQJRIVRXQGVWRJHWKHU
•
WRVD\LQJSDUWLFXODUZRUGVZKLFKRWKHUVUHFRJQLVH
•
WRMRLQLQJWKHVHZRUGVWRJHWKHUWRIRUPDVLPSOHVHQWHQFH
-XVWDVFKLOGUHQDWWKLVDJHDUHEHJLQQLQJWRXVHZRUGVDQGSXWWKHPWRJHWKHULQ
VLPSOHVHQWHQFHVWKH\ZLOODOVRWDJDORQJDQGVLQJDZRUGRUWZRZLWK\RX
+RZHYHUWKH\PXVWVHHDQGKHDU\RXVLQJLQJDQGDOVREHIDPLOLDUZLWKD
SDUWLFXODUVRQJWRNQRZZKDWZRUGPLJKWFRPHQH[WWREHDEOHWRMRLQLQ
,W¶VLPSRUWDQWWKDWZHVLQJUHJXODUO\WRFKLOGUHQDQGRIIHUVLPSOHVRQJVDWWKLV
VWDJHSDUWLFXODUO\VRQJVWKDWKDYHUHSHWLWLRQ
,I\RXIHHO\RXDUHWRQHGHDIDQGFDQ¶WVLQJLQWXQH±GRQ¶WZRUU\\RXUVLQJLQJ
ZLOOQRWPDNHDFKLOGWRQHGHDI±WKH\ZLOOVLQJLQWKHLURZQZD\(YHQLI\RX
VLQJ³OLNHDEDWRXWRIKHOO´NHHSVLQJLQJMR\IXOO\VRWKHFKLOGOHDUQVWKDWZHFDQ
DOVRFRPPXQLFDWHLQVRQJDQGWKDWLWV)81
0XVLF:$/.,1*621*6 WRPWKV
•
6RPHWLPHVZKHQFKLOGUHQILUVWOHDUQWRZDONWKH\OLNHWRSUDFWLFH
WLSS\WRHZDONVRUZDONLQJEDFNZDUGV$IXQVRQJWRWU\WKHQLV
³)LUVW,ZDONXSRQP\WRHVWKHQXSRQP\KHHOV,JR
RQWKHVLGHVRIP\IHHW,JRFOXPSFOXPSFOXPS
WKHQZLWKIHHWWRJHWKHU,JRMXPSMXPSMXPS´
,QIDQWVZLOORIWHQEREUDWKHUWKDQDFWXDOO\MXPS
•
6RPHWLPHVRIIHUDOLWWOHEXFNHWWRFROOHFWWKLQJV
<RXPLJKWEHDEOHWRDUUDQJHDSDWKZD\RISHJVRUIORZHUVRU
VRPHWKLQJEHIRUHKDQGWRVXUSULVHDQGGHOLJKWWKHFKLOGDORQJWKHZD\
0XVLF'$1'/,1*621*6 WRPWKV
6XJJHVWLRQV
•
•
•
6LQJUHJXODUO\FKLOGUHQ¶VVRQJVRUDGXOWVRQJVWKDW\RXOLNHDQGNQRZ
ZKHQ\RXDUHZRUNLQJDURXQGWKHKRPHGULYLQJLQWKHFDURUVLQJ
DORQJWRWKHUDGLR
6LQJWKRVHROGZHOONQRZQQXUVHU\UK\PHVWRFKLOGZKHQWKH\DUHLQ
WKHEDWKDWQDSS\FKDQJHWLPHZKHQ\RXDUHJRLQJIRUDZDON
8VXDOO\WKRVHQXUVHU\UK\PHVDUHVKRUWDQGVZHHWKDYHUHSHDWHGOLQHV
DQGKDYHVWRRGWKHWHVWRIWLPHORYHGDQGUHPHPEHUHGE\
JHQHUDWLRQVRIFKLOGUHQ
3XWWKHFKLOG¶VQDPHLQWRWKHVRQJZKLFKPDNHVWKHPIHHOVSHFLDODQG
LQVWDQWO\FRQQHFWHGWRWKHVRQJHYHQWKRXJKWKH\PD\QRWEHDEOHWR
VLQJWKHZKROHVRQJDWWKLVVWDJH7U\%DD%DD%ODFN6KHHS0DU\+DG
DOLWWOH/DPE/LWWOH0LVV0XIIHW/LWWOH-DFN+RUQHU/LYHGLQD&RUQHU2OG
0F'RQDOGKDGD)DUP
0XVLF086,&$/%2;(6WRPRQWKV
<RXQJFKLOGUHQDWWKLVDJHSUDFWLVLQJQHZO\GHYHORSHGFUDZOLQJDQG
FOLPELQJVNLOOVRIWHQOLNHWRSOD\LQELJFDUGERDUGER[HVHJ79VL]HG
ER[HV:HFDQDGGVRPHPXVLFDOLGHDVWRWKLVSOD\WRDGGWRWKHLU
HQMR\PHQWDQGH[WHQGWKHLUOHDUQLQJDERXWVRXQGDQGVRQJDVZHOO
•
,IWKHFKLOGLVVLWWLQJLQDER[ZHFDQPRYHER[VLGHWRVLGHDQGVLQJ
³5RZURZURZ\RXUERDWJHQWO\GRZQWKHVWUHDPPHUULO\PHUULO\
PHUULO\PHUULO\OLIHLVEXWDGUHDP´%HJLQVORZO\WRDOORZFKLOGWR
IHHOVHFXUHLQWKHPRYHPHQWWKHQ\RXFDQVSHHGXSZLWKWKH³0HUULO\´
ELWVLIFKLOGLVFRQILGHQW7KLVDOVRKHOSVFKLOGEHFRPHDZDUHRIFKDQJH
LQWHPSRLQPXVLF
•
,IFKLOGLVKLGLQJLQWKHER[\RXFRXOGVLQJ³-DFNRUFKLOG¶VQDPHLV
O\LQJGRZQLQKLVER[XQWLOVRPHRQHRSHQVWKHOLG´WKHQ³%RR´³+XOOR´
RUZKDWHYHUWRFRQFOXGHDQGPDNHLWH[FLWLQJ,QVWHDGRI³%RR´\RX
0XVLF0RUH,QIRWRPRQWKV
0HUULO\0HUULO\$%RRNRI6RQJVDQG5K\PHVDQG&'FRPSLOHG
DQGSXEOLVKHGE\$XVWUDOLDQ%UHDVWIHHGLQJ$VVRFLDWLRQLVDQH[FHOOHQW
VRXUFHRIVRQJVDQGSRHPVIRUEDELHVDQG\RXQJFKLOGUHQ2UGHUE\
PDLO32%R[*OHQ,ULV9LFRUEX\IURPWKHVDOHVGLYLVLRQ
ZZZPRWKHUVGLUHFWFRPDX
&KHFN\RXUORFDOOLEUDU\IRUDPXVLFWLPHZLWKEDELHV%RWK/LVPRUH
DQG *RRQHOODEDKOLEUDULHVKDYHD%DE\%RXQFHDQG5K\PHVHVVLRQ
HDFKZHHNRUEDELHV\HDUV$JRRGZD\WRPHHWRWKHUVDQGHQMR\
PXVLFZLWK\RXUEDE\WRR
-RLQDSOD\JURXSQHDU\RXWRHQMR\VRPHPXVLFVHVVLRQV&RQWDFWWKH
3OD\JURXS$VVRFLDWLRQRQRUYLVLWWKHLUZHEVLWH
ZZZSOD\JURXSDXVWUDOLDFRPDX
0XVLF086,&$/%2;(6WRPRQWKV
^ƵŐŐĞƐƚŝŽŶƐ
•
•
:LWKDELJFDUGERDUGER[\RXFRXOGFUHDWHDVSHFLDOOLVWHQLQJER[DVWKH
VL]HRIWKHELJER[WHQGVWRDPSOLI\VRXQGVLQVLGHDQGWKLVZLOOHQFRXUDJH
H[SORUDWLRQ<RXFRXOGSXWLQUXVWOLQJSDSHUWRFUDZORQRUSOD\ZLWKVRPH
EORFNVWRFODSWRJHWKHUEORFNVZLWKVDQGSDSHUDWWDFKHGPDNHDQLQWHUHVWLQJ
VRXQGZKHQUXEEHGWRJHWKHUMLQJO\WKLQJVVKDNHUVRUPHWDOOLGVDWWDFKHG
WRWKHZDOOWREDQJ%HVXUHWKDWDOOREMHFWVDUHVDIHIRUFKLOGHJQRVKDUS
HGJHVRUFKRNLQJKD]DUGV
&DUGERDUGWXEHVVXFKDVOXQFKZUDSWXEHVDUHDOVRLQWHUHVWLQJVRXQG
PDNHUVEHFDXVHZKHQZHWDONRUVLQJWKURXJKWKHPWKHVRXQGLVDPSOLILHG
7KLVFRXOGEHFRPHDQLPSURPSWXWUXPSHW)RUK\JLHQHUHDVRQVGLVFDUG
³WUXPSHW´ZKHQFKLOGKDVILQLVKHGSOD\LQJZLWKLWUDWKHUWKDQVKDULQJLW
DURXQGZLWKRWKHUFKLOGUHQDQGSHUKDSVVKDULQJJHUPV
0XVLF0RUH,QIRWRPRQWKV
TOUCH YOUR TOES WIGGLE YOUR NOSE
Young children love sound and movement, and are intrigued
with learning about their world and particularly their own bodies.
Touch That Nose, Wriggle Those Toes is a carefully chosen
collection of songs and rhymes to help young children to learn
about their bodies and encourage movement. Of course the
classics are all included songs such as Heads, Shoulders,
Knees and Toes and Little Peter Rabbit. These songs have a
long tradition of helping develop body coordination and
awareness in children. From the ABC shop only $10.00
This collection of eclectic grooves will encourage your baby in
play, dance & movement. From the funky to the seriously
groovy, your baby's laughter will bring you joy and hope.
Enjoy the life you have created.
http://shop.abc.net.au/
0XVLF)LQJHU3OD\V$FWLRQ6RQJVPRQWKV
7RGGOHUVDUHGHYHORSLQJILQJHUDQGKDQGFRQWUROWRPDQ
DJHHDWLQJGUHVVLQJDQGGUDZLQJ
)LQJHUSOD\VKHOSGHYHORSWKDWIOH[LELOLW\DQGFRQWUROWRR
$VZHOO
• )LQJHUSOD\VKHOSOHDUQDVHTXHQFHLQDVRQJDVWKH\IRO
ORZ WKHDFWLRQV
• )LQJHUSOD\VRIIHUQHZZRUGVDQGLGHDVWRDWRGGOHU
• )LQJHUSOD\VFDQGHYHORSLPDJLQDWLRQ
• )LQJHUSOD\VFDQILOOLQDQGHDVHZDLWLQJWLPH
0XVLF3/$<,1*:,7+,167580(176PRQWKV\UV
7RGGOHUVZLOOHQMR\GLIIHUHQWLQVWUXPHQWVDQGMRLQLQJLQVRQJV7U\WRFKRRVH
SDUWLFXODULQVWUXPHQWVWKDWVXLWGLIIHUHQWVRQJVDQGHQMR\WKHPXVLFDOH[
SHULHQFH$Q\WKLQJFDQEHFRPHDPXVLFDOLQVWUXPHQWSRWOLGVZRRGHQ
VSRRQVDQGSRWVVSRRQVUDWWOHGDJDLQVWHDFKRWKHUSODVWLFERWWOHVIXOORI
QRLV\VWRQHVWLJKWOLGVWDSHGXS&KHDSVKRSVKDYHSOHQW\RIIXQWR\LQVWUX
PHQWVWRDGGWR\RXUFROOHFWLRQ²DGGULEERQVDQGEHOOVIRUD
ILHVWDWRXFK
&KRRVHIRUH[DPSOH
•
EHOOVIRU7ZLQNOH7ZLQNOH
•
WDSSLQJVWLFNVIRUKRUVH\VRQJVOLNH*LGGH\XS+RUVH\
•
GUXPVIRU*UDQG2OG'XNHRI<RUN
$OVRSOD\ZLGHDYDULHW\RIPXVLFWKDW\RXOLNHDQGHQFRXUDJHFKLOGUHQWR³
SOD\DORQJ´
0XVLF)LQJHU3OD\V$FWLRQ6RQJVPRQWKV²
6XJJHVWLRQV
• 7ZROLWWOHGLFN\ELUGVVLWWLQJRQDZDOORQHQDPHG3HWHURQHQDPHG3DXO
• :KHUHLVWKXPSNLQWKHQSRLQWHUWDOORQHULQJILQJHUDQGILQDOO\SLQNLH"
• ,QF\:LQF\6SLGHUFOLPEHGWKHZDWHUVSRXWGRZQFDPHWKHUDLQDQG
ZDVKHGSRRU,QF\RXW
• /LWWOHZLOO\ZDJWDLOVDWXSRQDUDLOQLGGOHQRGGOHZHQWKLVKHDGDQG
ZLJJOHZDJJOHZHQWKLVWDLO
• 7ZLQNOHWZLQNOHOLWWOHVWDUKRZ,ZRQGHUZKDW\RXDUH"
0XVLF3/$<,1*:,7+,167580(176PWKV\UV
6XJJHVWLRQV
,IGLIIHUHQWFKLOGUHQZLWKGLIIHUHQWLQVWUXPHQWVDUHSOD\LQJWRJHWKHUWU\
• ³2KZHFDQSOD\LQWKHPXVLFEDQGDQGWKLVLVWKHZD\ZHGRLWZLWKD
SOD\SOD\SOD\DQGDSOD\SOD\SOD\DQGWKDW¶VWKHZD\ZHGRLW´
• 5HSHDWVRQJDJDLQZLWKDYHUVHIRUHDFKGLIIHUHQWLQVWUXPHQW
(J³VKDNHUVZLWKDVKDNHVKDNHVKDNHRUGUXPVZLWKDERRPERRP
ERRP´7KLVPD\KHOSWRGGOHUVJHWXVHGWRWDNLQJWXUQVZKHQSOD\LQJ
WRJHWKHU
• :LWKRWKHUVRQJVHQFRXUDJHFKLOGUHQWRWKLQNDERXWWKHGLIIHUHQWZD\VWKH\
FDQSOD\WKHLULQVWUXPHQWV±ORXGVRIWRUIDVWVORZ
• :LWKVRPHVRQJVLQVWUXPHQWVFDQEHXVHGIRUDSDUWLFXODUSDUWRIWKHVRQJ
HJIRUFKRUXVLQ2OG0F'RQDOG+DGD)DUP
0XVLF-803,1*621*6PRQWKV\UV
-XPSLQJDQGJHWWLQJWZRIHHWRIIWKHJURXQGLVDQH[FLWLQJQHZVNLOO
IRUDWRGGOHU6RSOD\DJDPHRUDGGDVRQJWRFHOHEUDWHWKLVQHZ
DFKLHYHPHQW
³-XPSMXPSMXPSLI\RXIHHO\RXZDQWWRRRRMXPSMXPSMXPSLI
\RXIHHO\RXFDDDQ´DQGUHSHDW
-XPS-LPDORQJ-XPSDORQJ-XPS-LPDORQJ-XPSDORQJVLQJ
FKLOG¶VQDPHLQVWHDGRI-LPDORQJ0DNHXS\RXUZRQWXQH
0DNHDSRQGXVLQJDEODQNHWRULIRXWGRRUVFUHDWHDVKDSHZLWKDURSH
RUWKHJDUGHQKRVH%HJLQZLWKIURJVLQWKHPLGGOHRIWKHSRQG7KHQ
VLQJ³0U)URJMXPSHGRXWKLVSRQGRQHGD\DQGIRXQGKLPVHOILQWKH
UDLQVDLGKH,¶OOJHWZHWDQG,PLJKWFDWFKDFROGVRKHMXPSHGLQKLV
SRQGDJDLQ´
0XVLF6+2:7,0(PRQWKV\UV
'UDPDWLVHDVRQJ
7RGGOHUVDUHEHJLQQLQJWRGHYHORSWKHLULPDJLQDWLRQVRDFW
LQJRXWDVLPSOHVRQJ
• FDQGHYHORSLPDJLQDWLRQ
• RIIHURSSRUWXQLW\WRH[SORUHPRYHPHQWZLWKPXVLF
• HQFRXUDJHMR\LQVLQJLQJ
&KRRVHVLPSOHVRQJVDERXWWKLQJVWRGGOHUVDUHIDPLOLDUZLWK
6RPHWLPHVZKHQWKH\DUHLQYROYHGLQSUHWHQGSOD\VXUSULVH
WKHPZLWKDVRQJFRQQHFWHGWRWKHLUSOD\
0XVLF-803,1*621*6PWKV\HDUV
:KHUHFDQ\RXJHW&'¶VZLWK-XPSLQJVRQJVRQWKHP"
*RWRWKHOLEUDU\DQG\RXZLOOILQG3OD\VFKRRO&'¶VDQGZLGHUDQJHRIRWKHU&'¶VDQG'9'¶V
IRUWRGGOHUV
6LQJ*DORRPSK:HQWWKHOLWWOH*UHHQ)URJVEXWFKDQJHWKHZRUGVWR³-XPSMXPSZHQWWKHOLWWOH
JUHHQIURJV´7KHFKRUXVJRHVZ
³:HDOONQRZIURJVJRODGHGDGHGD
ODGHGDGHGDODGHGDGHGD
:HDOONQRZIURJVJRODGHGDGHGDFKDQJHLWWR«-XPSODGHGDGGD
ODGHGDGHGDODGHGDGHGD
7KH\GRQ¶WJRPPPPPPDKK
$QGOHW¶VQRWIRUJHWWKH5ROOLQJ6WRQHV-XPSLQJ-DFN)ODVK«LW¶VEULOOLDQWWRXVHPXVLFWKDW
\RXXVHGWRGDQFHWRLQ\RXU\RXWKZLWK\RXUJUDQGFKLOGUHQVLQJDORQJDQGJURRYHZLWK
WKHPDVWKH\HQMR\\RXUMR\LQPXVLFIURPKDSS\WLPHVLQ\RXUOLIH
0XVLF6+2:7,0(PRQWKV\UV
6XJJHVWLRQV
• ,¶PDOLWWOHWHDSRWVKRUWDQGVWRXWKHUHLVP\KDQGOHKHUHLVP\VSRXW
ZKHQ,JHWDOOVWHDPHGXSWKHQ,VKRXWMXVWWLSPHRYHUDQGSRXUPHRXW
• 7KHZKHHOVRQWKHEXVJRURXQGDQGURXQGURXQGDQGURXQGURXQGDQG
URXQGWKHZKHHOVRQWKHEXVJRURXQGDQGURXQGDOOWKHZD\WRWRZQ
WKHQDGGKRUQZLSHUVOLJKWVHWFSOD\WKLVJDPHVLWWLQJRQDURZRIFKDLUV
• 7DNH\RXULGLQJLQP\FDUFDUWDNH\RXULGLQJLQP\FDUFDUWDNH\RX
ULGLQJLQP\FDUFDU,¶OOWDNH\RXULGLQJLQP\FDU7KHQDGGKRUQZLSHUV
HWFDVDERYH:LWKWKLVJDPH\RXFRXOGFXWRXWWKHERWWRPRIDER[WKDW
ILWVDURXQGDFKLOGDGGDFRXSOHRIVWUDSVWRJRRYHUVKRXOGHUVWKHQ
GHFRUDWHZLWKSDLQWHGZKHHOVVRWKH\FDQGULYHDURXQGZKLOH\RXVLQJ
%HVXUHWRPDNHDSSURSULDWHVRXQGHIIHFWVIRUKRUQDQGVRRQ
0XVLF6LQJLQJPRQWKV²\UV
/HDUQLQJWRVLQJWDNHVTXLWHD
ZKLOH
7RGGOHUVZLOORQO\OHDUQWRVLQJLI
WKH\KHDURWKHUSHRSOHVLQJLQJVR
ZHPXVWVLQJWRWKHP,WGRHVQ¶W
PDWWHUZKDW\RXVLQJ±MXVWVLQJ
$WILUVWWKH\ZLOOMXVWOLVWHQ
$VWKH\EHFRPHPRUHIDPLOLDUZLWKDVRQJWKH\PD\WDJDORQJVLQJLQJD
ZRUGRUWZR/DWHUWKH\PD\VLQJDSDUWLFXODUSKUDVHHVSHFLDOO\LIWKDW
SKUDVHLVUHSHDWHGWKURXJKRXWWKHVRQJ
0XVLF0RUH,QIRPRQWKV\UV
• 7KH1RUWKHUQ5LYHUV&RQVHUYDWRULXP$UWV&HQWUHRIIHUFODVVHV
IRU±\HDUROGFKLOGUHQDW%DQJDORZ/LVPRUHDQG/HQQR[
+HDG'XULQJFRVWSHUFODVV3KRQH15&$&
RUVHHZHEVLWHZZZQUFDFHGXDXIRUGHWDLOV
• &KHFN\RXUORFDOOLEUDU\IRUDPXVLFWLPHZLWKEDELHV%RWK
/LVPRUHDQG*RRQHOODEDKOLEUDULHVKDYHD%DE\%RXQFHDQG
5K\PHVHVVLRQHDFKZHHNIRUEDELHV\HDUV$JRRGZD\WR
PHHWRWKHUVDQGHQMR\PXVLFZLWK\RXUEDE\WRR
• 0HUULO\0HUULO\$%RRNRI6RQJVDQG5K\PHVDQG&'
FRPSLOHGDQGSXEOLVKHGE\$XVWUDOLDQ%UHDVWIHHGLQJ$VVRFLD
WLRQLVDQH[FHOOHQWVRXUFHRIVRQJVDQGSRHPVIRUEDELHVDQG
\RXQJFKLOGUHQ2UGHUE\PDLO32%R[*OHQ,ULV9LF
RUEX\IURPWKHVDOHVGLYLVLRQ
ZZZPRWKHUVGLUHFWFRPDX
0XVLF6LQJLQJPRQWKV²\UV
6XJJHVWLRQV
)RUWRGGOHUVFKRRVH
•
6KRUWVLPSOHVRQJV
•
$ERXWWKLQJVWKH\DUHIDPLOLDUZLWK
•
7KDWKDYHUHSHWLWLRQHJ2OG0F'RQDOG
•
6LQJWKHVRQJVRIWHQ±ZKHQWKH\DUHSOD\LQJZLWKLQVWUXPHQWVLQWKHFDU
•
'RQ¶WZRUU\DERXWZKHWKHU\RXDUHLQWXQHRUQRWWKH\ZRQ¶WNQRZ
MXVWHQMR\DQGWKDWZLOOHQFRXUDJHWKHPH[SORUHWKHZRQGHUIXOZRUOG
RIPXVLF
0XVLF0RUH,QIRPRQWKV\UV
%ULOOLDQW'9'0XVLF0DNHVPH0RYHLW¶VDKXJHIDYRXULWHZLWK
FKLOGUHQIURPPRQWKVDQGXS&KULVWLQH0DVWHUVLVDYHU\H[SHULHQFHG
PXVLFWHDFKHUDQGVKHKDVPDGHWKLVLQVXULQJDQGIXQ'9'WRHQFRXUDJH
FKLOGUHQWRPRYHDQGVLQJZKLOHWKH\OHDUQWKHEDVLFVRIPXVLF
<RXFDQRUGHULWRQOLQHDWKWWSZZZPXVLFPDVWHUVFRPDX
2UE\PDLO0XVLF0DVWHUV32%R[.HGURQ4OG$XVWUDOLD
2UE\SKRQLQJ
7KLVLVZHOOZRUWKEX\LQJ±LW¶VDEHDXW\
0XVLF6,1*,1*%22.6 WR\HDUV
3UHVFKRRODJHGFKLOGUHQHQMR\DYDULHW\RIVRQJVDFFRUGLQJWR
WKHLULQWHUHVWVDQLPDOVGLQRVDXUVQXPEHUVRQJVIHHOLQJV
DQGHYHQVLOO\VRQJVDVWKH\GHYHORSWKHLUVHQVHRIKXPRXU
:LWKSUDFWLFHWKH\ZLOOOHDUQWRVLQJZKROHVRQJV2IWHQWKH\
OHDUQWKHFKRUXVILUVWDQGWKHQRWKHUYHUVHV
7KH\ORYHVRQJVOLNH««&DWFK$IDOOLQJ6WDU
:H$OO/LYH,Q$<HOORZ6XEPDULQH
%DUEDUEDUE%DUEDU%DU$QQH
+RZPXFKLVWKDWGRJJLHLQWKHZLQGRZ
5DLQUDLQ*R$ZD\FRPHDJDLQDQRWKHUGD\
*HWDELJROGVRQJERRNDQGZRUN\RXUZD\WKURXJK\RXUROG
IDYRXULWHVZLWKWKHFKLOGUHQFDUWUDYHOLVDJUHDWWLPHIRU
WHDFKLQJWKHPVRQJV\RXORYHGDVDFKLOG
0XVLF180%(5621*6
3UHVFKRROFKLOGUHQEHJLQWRWDNHDQLQWHUHVW
LQFRXQWLQJDQGQXPEHUV
1XPEHUVRQJVKHOSFKLOGUHQOHDUQWRFRXQW
DQGUHPHPEHUWKHULJKWRUGHU
7U\WRFKRRVHVRQJVWKDWVXLWWKHLU
XQGHUVWDQGLQJRIQXPEHU
HJDUHWKH\FRXQWLQJWRWKUHHILYHRU
WHQ"
8VLQJILQJHUVRUDFWLQJRXWVRQJVFDQDOVR
KHOSXQGHUVWDQGWKHQXPEHUIDFWV
WR\HDUV
0XVLF6,1*,1*%22.6 WR\HDUV
6XJJHVWLRQV
7RHQMR\DQGSUDFWLVHVLQJLQJWRJHWKHUPDNHDVLQJLQJERRNZLWKIDYRXULWH
VRQJVDQGKDYHUHJXODUVLQJDORQJV
•
'LYLGHWKHERRNLQWRVHFWLRQVHJDQLPDOVRQJVQXPEHUVRQJVHWF
•
'HFRUDWHZLWKSLFWXUHVRUGUDZLQJVVRFKLOGFDQJXHVVZKDWHDFKVRQJLV
•
,I\RXILQGVRPHVRQJVZLWKWKHPXVLFDOQRWHVDGGQRWHVWRVKRZFKLOGUHQ
KRZPXVLFLVXVXDOO\UHFRUGHG
7KLVLVDJUHDWDFWLYLW\WRGRZLWKROGHUFKLOGUHQLQ\RXUIDPLO\RUFRXVLQV
QHLJKERXUV,WPHDQVWKDWWKHROGHURQHVFDQPDNHVRPHWKLQJRIUHDOYDOXH
IRUWKHOLWWOHRQHVDQGWKHNLGVZLOONQRZVRPHJUHDWVRQJVWRLQFOXGH
0XVLF180%(5621*6
WR\HDUV
6XJJHVWLRQV
•
•
•
•
7ZROLWWOHGLFN\ELUGVVLWWLQJRQDZDOO
)LYHEURZQEXQVLQWKHEDNHU¶VVKRSELJDQGEURZQZLWKFKHUULHVRQWKHWRS
DORQJFDPHDER\ZLWKVRPHPRQH\WRSD\KHERXJKWRQHEXQDQGWRRNLW
DZD\HWF
)LYHOLWWOHGXFNVZHQWRXWRQHGD\RYHUWKHKLOOVDQGIDUDZD\PRWKHUGXFN
VDLGTXDFNTXDFNTXDFNEXWRQO\IRXUOLWWOHGXFNVFDPHEDFNDQGVRRQ
7KHUHZHUHWHQLQWKHEHGDQGWKHOLWWOHRQHVDLGUROORYHUUROORYHUVRWKH\
DOOUROOHGRYHUDQGRQHIHOORXWWKHUHZHUHQLQHLQWKHEHGDQGWKHOLWWOHRQH
VDLG«&RXQWKRZPDQ\OHIWDQGVLQJDJDLQ
0XVLF086,&$//,67(1,1*WR\HDUV
0XVLFDO/LVWHQLQJ*DPHV
7RGHYHORSFRQFHQWUDWLRQDQGOLVWHQLQJVNLOOVWU\WKHIROORZLQJJDPHV
6LQJWKHVRQJ+HDGDQG6KRXOGHUV.QHHVDQG7RHVWRXFKLQJ
WKRVHSDUWVRIWKHERG\6LQJDJDLQEXWQRWVD\³KHDG´
1H[WWLPHQRWVD\³KHDG´DQG³VKRXOGHUV´DQGVRRQ
,W¶VDIXQZD\WRHQMR\PXVLFEXWDOVRKHOSVGHYHORSLQQHU
OLVWHQLQJZKLFKLVXVHIXOLQOHDUQLQJWRVLQJ
•
7U\WKHVDPHZLWK0U3HWHU5DEELWKDGDIO\XSRQKLVQRVH
•
0XVLF*DOORSLQJWR\HDUV
*DOORSDZD\
3UHVFKRROFKLOGUHQDUHEHFRPLQJPRUHUK\WKPLFDOLQWKHLUPRYHPHQWV
DQGPD\EHUHDG\WRWDNHRQWKHFKDOOHQJHRIDJDOORSLQJUK\WKP
7RKHOSFKLOGUHQZLWKWKLVWU\WKHIROORZLQJ
6LQJ*LGG\XS+RUVH\VRQJZLWKHPSKDVLVRQ³XS´WKHQOHW
FKLOGUHQJDOORSWRVRQJ
*LGG\XSJLGG\XSJLGG\XSKRUVH\
*LGG\XSJLGG\XSJRJRJR
*LGG\XSJLGG\XSJLGG\XSKRUVH\
*LGG\XSJLGG\XSZKRDZKRDZKRD
0XVLF086,&$//,67(1,1*WR\HDUV
6XJJHVWLRQV
•
3OD\DJDPHDVNLQJFKLOGWRJXHVVZKLFKLQVWUXPHQW\RXDUHSOD\LQJ
EHKLQGDVFUHHQ7KLVKHOSVFKLOGUHQUHFRJQLVHGLIIHUHQFHVEHWZHHQ
LQVWUXPHQWV
•
0DNHXSSDWWHUQVWRFRS\ZLWKERG\SHUFXVVLRQHJFODSVILQJHUFOLFNV
DQG VWRPSV/HWFKLOGPDNHXSSDWWHUQIRU\RXWRFRS\WRR
0XVLF*DOORSLQJWR\HDUV
6XJJHVWLRQV
•
2WKHUKRUVH\VRQJVZLOOSUREDEO\KDYHWKHVDPHHPSKDVLVRUDFFHQW
WRKHOSFKLOGUHQJHWDIHHOIRUJDOORSLQJHJ%HOO+RUVHV%HOO+RUVHV
ZKDWWLPHRIGD\"2QHR¶FORFN7ZRR¶FORFN2IIDQGDZD\
•
8VHSDSHUVWUHDPHUVDVUHLQVWRJDOORSZLWKDSDUWQHU
•
7U\JDOORSLQJZLWKDKRPHPDGHKREE\KRUVH
0XVLF&5($7,9('$1&( WR\HDUV
(QFRXUDJHFKLOGUHQWRXVHLPDJLQDWLRQDQGFUHDWHWKHLURZQPRYHPHQWLGHDV
7KHVRQJ³'LG\RXHYHUVHHDODVVLHDODVVLHDODVVLHGLG\RXHYHUVHH
DODVVLHJRWKLVZD\RUWKDW"´(QFRXUDJHVWKHFKLOGWRWKLQNRIWKHLU
RZQDFWLRQZKLFKRWKHUVFRS\DVWKHVRQJJRHVRQ±³*RWKLVZD\DQG
WKDWZD\JRWKLVZD\DQGWKDWZD\GLG\RXHYHUVHHDODVVLHJRWKLV
ZD\DQGWKDW"´
'DQFHLQYROYHVORWVRIFRQWUDVWLQJZD\VRIPRYLQJ±KLJKaORZOLJKW
KHDY\VWURQJaGHOLFDWHVKDUSaDQJXODUaVPRRWKJHQWOHaDJJUHVVLYH
IDVWaVORZVWUDLJKWSDWKVZLJJOH\RUFLUFXODUSDWKV«GUDZFKDONOLQHV
RQ\RXUSDWLRYHUDQGDKRUFLUFOHVWRKRSEHWZHHQRUIROORZ±SOD\PXVLF
WKDWZLOOJRZLWKWKHW\SHVRIPRYHPHQW\RXDUHH[SORULQJ
0XVLF)81:,7+,167580(176WR
(QFRXUDJHSUHVFKRROHUVWRH[SORUHDQGH[SHULPHQWZLWKLQVWUXPHQWV
$VNWKLQJVOLNHZKLFKLQVWUXPHQWWRXVHIRU,QF\:LQF\DQGZKDWFRXOGEHXVHGIRU
WKHUDLQDQGZKLFKLQVWUXPHQWIRUWKHVXQZKHQVLQJLQJWKHVRQJ,QF\:LQF\6SLGHU
0DNHXSDVWRU\XVLQJPXVLFDOLQVWUXPHQWV<RXPLJKWEHJLQE\JLYLQJDFKLOGVRPH
VXJJHVWLRQVWKHQOHWWKHPFRQWLQXHHJ2QHUDLQ\GD\DGGUDLQPXVLFKHUHSHUKDSV
ZLWKDVKDNHUDORQJFDPHDGXFNDGGGXFNPXVLFKHUHSHUKDSVZLWKDFDVWLQHWRU
ZRRGEORFNVWKHQ«QRZOHWFKLOGFRQWLQXH
$VVHPEOHDVPDOOEDVNHWRIWKLQJVWKDWPDNHLQWHUHVWLQJQRLVHV±DOONLQGVRIWKLQJV
GRFHOORSKDQHUXEEHGVRXQGVOLNHDILUHULFHLQF\OLQGHUUROOLQJDURXQGVRXQGVOLNH
UDLQWKLQJVWKDWFOLFNUDVSWLFNVQDSSRSFODQJMLQJOHROGNH\VWKLVLVJUHDWIXQWR
GRRYHUWLPH$Q\WLPH\RXQRWLFHVRPHWKLQJKDVDQLQWHUHVWLQJVRXQGSXWLWLQWKH
VRXQGHIIHFWVEDVNHW
<RXFDQXVHWKHVHWKLQJVWRPDNHXS\RXURZQµUDGLRSOD\V¶ZLWKFKLOGUHQRUXVHZLWK
VWRU\VRQJV&KLOGUHQFRXOGDGGVRXQGHIIHFWVWRDIDYRXULWHVWRU\OLNH7KUHH%LOO\
*RDWV*UXII
0XVLF&5($7,9('$1&( WR\HDUV
^ƵŐŐĞƐƚŝŽŶƐ
)LQGLQJDYDULHW\RILQVWUXPHQWDOPXVLFUHFRUGLQJVDQGRIIHULQJ
SURSVWKDWVHHPWRVXLWWKHPXVLFHQFRXUDJHVFKLOGUHQWROLVWHQWR
WKHPXVLFDQGH[SORUHGLIIHUHQWZD\VRIPRYLQJRUGDQFLQJ
•
)ORDW\VFDUYHVIRUZDOW]PXVLFEDOORRQVRQVWULQJVIRUERXQF\PXVLF
ULEERQVRUVWUHDPHUVIRUWZLUOLQJFDQEHLQWURGXFHGDV\RXDGGWR\RX
GDQFHFROOHFWLRQDQGLQVSLUHFKLOGUHQWRH[SORUHPRYHPHQWDQGPXVLF
•
1RUSDWKH1RUWKHUQ5LYHUV3HUIRUPLQJ$UWV7KHDWUH&RPSDQ\
XVXDOO\RIIHUVHDFK\HDUSHUIRUPDQFHVVSHFLDOO\FUHDWHGIRUFKLOGUHQ
7KHVHDUHXVXDOO\PDJLFDOVKRZVKLJKOLJKWLQJVWRULHV
PXVLFDQGGDQFH3KRQHRUVHHZHEVLWHZZZQRUSDRUJDX
IRUGHWDLOV
0XVLF)81:,7+,167580(176WR
6XJJHVWLRQV
•
•
+DYLQJDFRXSOHRISHUFXVVLRQLQVWUXPHQWVWKDWKDYHJRRGTXDOLW\RI
VRXQGZLOOLQVSLUHSUHVFKRROFKLOGUHQWRPDNHXSWKHLURZQPXVLFDO
SDWWHUQV
<RXPD\EHDEOHWRWDSHUHFRUGWKHLUSDWWHUQVRUVLPSO\ZULWHGRZQ
WKHSDWWHUQXVLQJV\PEROVHJGUDZDQ;IRUDWDSDQGaaaIRU
DMLQJOHHWFVRWKDWFKLOGUHQFDQUHSOD\WKHLUWXQHVODWHU,W¶VRIWHQ
VXUSULVLQJKRZWKH\UHPHPEHUWKHLUWXQHV
7KLVDFWLYLW\DOVRKHOSVFKLOGUHQEHJLQWRXQGHUVWDQGKRZPXVLFFDQEH
UHFRUGHGDQGHQFRXUDJHVWKHPWRH[SORUHWKHODQJXDJHRIPXVLF
•
•
•
•
•
•
•
•
•
•
•
Medicine Taking Made Easy, Immunisation, Sun Sense
Teething Oral Thrush, Headache
Insect Bites, Tick Bites, Head Lice or Nits
Asthma
Rashes
Eyes and Ears
Tummy troubles
Coughs, Colds, “Flu” and Fevers
Anaphylactic Shock, Allergies
Febrile Convulsions
Epilepsy
This health section is not a complete guide to children’s health. It is quick reference guide.
We have chosen to feature things that can be of concern like rashes, and also medical matters
that may have changed in the last ten years or so in terms of how we manage things.
Nits are a constant plague for those of us with young children at preschool or child care, and
these days they are treated quite differently as many of the chemical treatments don’t work
anymore. In this section you will find information about :
HEALTH
+($/7+0HGLFLQH7DNLQJ0DGH(DV\
•
.HHSWKHPHGLFLQHFKLOOHGDVWKLVKHOSVWRPDVNXQSOHDVDQWIODYRXUV
•
2IIHUDUHZDUG*LYHFKLOGUHQDKHDOWK\WUHDWWRIROORZWKHPHGLFLQH,IDOOHOVHIDLOV
NHHSDERWWOHRIFKRFRODWHRUVWUDZEHUU\V\UXSRQKDQG
•
1RUPDOLVHWKHWDNLQJRIPHGLFLQHE\WHDFKLQJ\RXUFKLOGWKDWµZHDOOGRLW¶([SODLQ
WKDWLW¶VVRPHWLPHVQHFHVVDU\LQRUGHUWREHKHDOWK\
•
,QYROYH\RXUFKLOGZKHQHYHU\RXQHHGWRWDNHPHGLFLQH/HWKHUVHH\RXRQWKH
UHFHLYLQJHQGDQGJHWWRJLYH\RXDVSRRQIXO
•
5HOLQTXLVKVRPHFRQWURO*LYLQJ\RXUFKLOGDFKRLFHDERXWZKHUHWRWDNHWKH
PHGLFLQHRIWHQKHOSVWKHPIHHOPRUHLQYROYHGLQWKHSURFHVV
•
0DNHDJDPHRILW1DPHWKHPHGLFLQHDVLOO\EXWFDWFK\QDPHLQOLQHZLWKWKHLU
UHLJQLQJLQWHUHVWVXFKDV¶6SLGHUPDQVDXFH¶RUµWKHSULQFHVV¶VSRWLRQ¶,I\RXGRWKLV
KRZHYHUEHH[WUDYLJLODQWWKDWWKHPHGLFLQHLVNHSWLQDVDIHSODFHVRWKDW\RXUFKLOG
GRHVQ¶WWU\WRUHDFKLWKHUVHOIDQRWKHUWLPH0RUHRQUHYHUVHRIWKLVFDUG
+($/7+,0081,6$7,210DQDJLQJ$GYHUVH5HDFWLRQV
•
,PPXQLVDWLRQLVFRQVLGHUHGDVDIHDQGHIIHFWLYHZD\RIVDIHJXDUGLQJFKLOGUHQ
DJDLQVWFHUWDLQGLVHDVHVWKHJXLGLQJSULQFLSOHEHLQJWKDWWKHULVNVRIFRQWUDFWLQJWKH
GLVHDVHVRXWZHLJKDQ\SRVVLEOHULVNVZKLFKPD\UHVXOWIURPYDFFLQDWLRQ9DFFLQDWLRQ
WULJJHUVDQLPPXQHUHVSRQVHWKDWSURYLGHVSURWHFWLRQDJDLQVWVSHFLILFDOO\WDUJHWHG
FRQGLWLRQVVXFKDVPHDVOHVPXPSVFKLFNHQSR[HWF3URWHFWLRQJHQHUDOO\WDNHVHIIHFW
ZLWKLQZHHNVRILPPXQLVDWLRQEXWVRPHYDFFLQHVQHHGWREHDGPLQLVWHUHGLQPRUH
WKDQRQHGRVHLQRUGHUWRSURYLGHPD[LPXPLPPXQLW\
•
$OOYDFFLQHVXVHGLQ$XVWUDOLDDUHWHVWHGDQGSDVVHGDVVDIHE\WKH7KHUDSHXWLF
*RRGV$GPLQLVWUDWLRQ+RZHYHUMXVWDVZLWKDQ\RWKHUDQ\PHGLFDWLRQVLGHHIIHFWV
FDQDULVH,WLVDGYLVDEOHWRNQRZZKDWNLQGVRIUHDFWLRQVDUHSRVVLEOHDQGKRZWR
PDQDJHWKHPLIWKH\GRRFFXU
•
6HYHUHUHDFWLRQVDUHH[WUHPHO\UDUHEXWFDQLQFOXGHKLJKWHPSHUDWXUHVRIPRUH
WKDQƒ&IDLQWLQJILWVDQGDQDSK\OD[LV7KHVHDGYHUVHUHDFWLRQVFDQKDSSHQZLWKDQ\
YDFFLQDWLRQEXWDUHKLJKO\XQFRPPRQ$OOVLGHHIIHFWVVKRXOGEHPHDVXUHGDJDLQVWWKH
SRWHQWLDOFRQVHTXHQFHVRIWKHGLVHDVHWKDW\RXUFKLOGLVEHLQJLPPXQLVHGDJDLQVW
+($/7+ 0HGLFLQHWDNLQJPDGHHDV\
8VHDPHGLFLQHV\ULQJHDQGDLPIRUWKHEDFNRIWKHFKHHN
+DUGWRVSLWRXWDQGHDV\WRVOLGHGRZQ
•
$OZD\VPDNHVXUHPHGLFLQHVDUHLQFKLOGUHVLVWDQW
FRQWDLQHUVLQORFNHGFXSERDUGVRULQKLJKSODFHVZKHUH
FKLOGUHQFDQ¶WUHDFKWKHPHYHQLIWKH\FOLPE
•
+($/7+,0081,6$7,210DQDJLQJDGYHUVHUHDFWLRQV
•
,I\RXUFKLOGDSSHDUVWREHKDYLQJDVHYHUHUHDFWLRQDIWHUEHLQJLPPXQLVHGRU
LI\RXDUHFRQFHUQHGLQDQ\ZD\VHHNPHGLFDODVVLVWDQFHLPPHGLDWHO\
,PPXQLVDWLRQUHDFWLRQVDUHWUHDWHGUHFRUGHGDQGUHSRUWHGHQVXULQJWKDWYDFFLQHVDUH
VDIHO\PRQLWRUHG
•
0RVWUHDFWLRQVWHQGWRKDSSHQVRRQDIWHULPPXQLVDWLRQDQGODVWIRUDURXQGWZR
GD\V,PPXQLVDWLRQVLGHHIIHFWVDUHXVXDOO\PLOGDQGFDQEHPDQDJHGDWKRPH$W
WLPHVV\PSWRPVFDQUHVHPEOHVRPHHIIHFWVRIWKHGLVHDVHVWKDWYDFFLQDWLRQSURWHFWV
DJDLQVWEXWDUHOHVVVHYHUHDQGQRWXVXDOO\GDQJHURXV
•
7KHPRVWFRPPRQPLOGUHDFWLRQVDUHDORZJUDGHIHYHUWHPSRUDU\ORVVRIDSSHWLWH
KHDGDFKHLUULWDELOLW\DQGORFDOLVHGVZHOOLQJDQGVRUHQHVVDWWKHVLWHRIWKHLQMHFWLRQ
•
+RPHWUHDWPHQWRSWLRQVERRVW\RXUFKLOG¶VIOXLGLQWDNHE\RIIHULQJH[WUDGULQNV
SODFHDFRRODQGVRRWKLQJZDVKFORWKRYHUWKHLQMHFWLRQVLWHDQGJLYH\RXUFKLOGH[WUD
DIIHFWLRQDQGUHDVVXUDQFH7KHURXWLQHXVHRISDUDFHWDPROLVQRORQJHUUHFRPPHQGHG
DIWHULPPXQLVDWLRQEXWPD\EHJLYHQLIWKHIHYHUH[FHHGVƒ&RULQWKHFDVHRISDLQ
RUVLJQLILFDQWGLVFRPIRUW
+($/7+,0081,6$7,210DQDJLQJ$GYHUVH5HDFWLRQV
$URXQGLQFKLOGUHQH[SHULHQFHPLOGUHDFWLRQVWRWKH005YDFFLQDWLRQZKLFK
WHQGWRRFFXU±GD\VDIWHULPPXQLVDWLRQDQGJHQHUDOO\ODVWQRPRUHWKDQ
KRXUV7KHPRVWFRPPRQUHDFWLRQLVDJHQHUDOIHHOLQJRIEHLQJXQZHOO
DFFRPSDQLHGE\IHYHUXSWRƒ&2WKHUSRWHQWLDOUHDFWLRQVWRWKH005YDFFLQHDUH
V\PSWRPVRIDFROGSXII\H\HVUXQQ\QRVHDQGFRXJKDQGVZROOHQVDOLYDU\JODQGV
GXHWRWKHPXPSVFRPSRQHQWRIWKHYDFFLQH
6RPHWLPHVDPLOGUDVKPD\GHYHORS±GD\VODWHUGXHWRWKHPHDVOHVFRPSRQHQWRI
WKHYDFFLQHEXWWKLVGRHVQRWPDNH\RXUFKLOGLQIHFWLRXVWRRWKHUV5HVHDUFKKDVFRQFOXGHG
WKDWWKH005YDFFLQHLVXQUHODWHGWRHLWKHUDXWLVPRULQIODPPDWRU\ERZHOGLVHDVH,%'
LQFOXGLQJ&URKQ¶VGLVHDVH
7KHFKLFNHQSR[YDFFLQHLVXQVXLWDEOHIRUSHRSOHZLWKVHYHUHLPPXQHGHILFLHQF\GLV
HDVHVSUHJQDQWZRPHQRUSHRSOHRQKLJKGRVHVRILPPXQHVXSSUHVVLQJPHGLFDWLRQV
LQUHFLSLHQWVKDYHDORFDOUHDFWLRQRUIHYHUZKLOHLQH[SHULHQFHDPLOG
YDULFHOODOLNHUDVK7KHUDVKFDQGHYHORSXSWRGD\VDIWHULPPXQLVDWLRQ,IWKLVKDS
SHQVWR\RXUFKLOGDYRLGFRQWDFWZLWKSHRSOHZLWKORZLPPXQLW\XQWLOWKHUDVKFOHDUV
+($/7+
6XQ²6HQVH
•
8VHDEURDGVSHFWUXP63)ZDWHUSURRIVXQFUHDP89UHVLVWDQWUDVK
VXLWVVXQJODVVHVDQGKDWV&ORWKLQJLVWKHLGHDOEDUULHUIURPWKHVXQ<RXFDQ
EX\YHU\FKHDSVHFRQGKDQGµUDVKLHV¶DVWKHVXQVXLWVDUHFDOOHGE\NLGV2S
6KRSV7KDWZD\\RXFDQNHHSDFRXSOHRIVSDUHVHWVLQWKHFDUDORQJZLWKVSDUH
KDWV
•
(PSKDVLVHWKHLPSRUWDQFHRIVXQVDIHVNLQ0DNHVXUH\RXUFKLOGNQRZV
WKDWODWKHULQJXSLVQRWDFKRLFH1RVXQVFUHHQ QREHDFKSRROVZLPPLQJ
•
5HQDPHWKHµVXQEORFN¶VRWKDWLWEHFRPHVµPDJLFORWLRQ¶RUDµPDJLFVKLHOG¶
•
*LYHWKHVXQVFUHHQVXSHUSRZHUV3UHWHQGWKDWWKHORWLRQFDQPDNH\RXU
FKLOGEHQHILWLQVRPHZD\E\EHFRPLQJLQYLVLEOHDPD]LQJO\VWURQJRUDQ
LQFUHGLEOHVLQJHU
•
0DNHLWDQDUWSURMHFW:KHQVTXLUWLQJWKHORWLRQRQDOORZ\RXUFKLOGDQG\RX
WRGUDZSDWWHUQVDQGVKDSHVRQWKHLUVNLQEHIRUHWKHFUHDPJHWVDOOUXEEHGLQ
•
7LPHLWULJKW$YRLGH[SRVXUHWRWKHVXQEHWZHHQWKHKRXUVRIDPDQGSP
ZKHQHYHUSRVVLEOH
+($/7+,0081,6$7,210DQDJLQJ$GYHUVH5HDFWLRQV
•
7KH$XVWUDOLDQ&KLOGKRRG,PPXQLVDWLRQ5HJLVWHUNHHSVDUHFRUGRI\RXU
FKLOG¶V$XVWUDOLDQYDFFLQDWLRQKLVWRU\IURP±\HDUV&KLOGUHQDUHDXWRPDWL
FDOO\UHJLVWHUHGZKHQWKH\DUHHQUROOHGLQ0HGLFDUHRUZKHQWKHLULPPXQLVDWLRQ
GHWDLOVDUHSURFHVVHG
•
3URRIRILPPXQLVDWLRQLVRIWHQUHTXLUHGLQRUGHUWRUHFHLYHFHUWDLQEHQHILWV
DQGZKHQFKLOGUHQDUHHQUROOHGLQGD\FDUHSUHVFKRRORUVFKRRO9DFFLQDWLRQLV
QRWFRPSXOVRU\LQ$XVWUDOLDDQGH[HPSWLRQFHUWLILFDWHVDUHSHUPLVVLEOHXQGHU
FHUWDLQFRQGLWLRQV
)RUPRUHLQIRUPDWLRQFRQWDFW
•
,PPXQLVDWLRQKRWOLQH
•
0RUHGHWDLOVDERXWFKLOGKRRGLPPXQLVDWLRQFDQEHREWDLQHGIURP
ZZZLPPXQLVHKHDOWKJRYDX
•
<RXFDQUHTXHVWLPPXQLVDWLRQKLVWRU\VWDWHPHQWVE\FDOOLQJ\RXUORFDO0HGLFDUH
RIILFHRUZZZPHGLFDUHDXVWUDOLDJRYDX
+($/7+
•
•
6XQ²6HQVH
'RQ¶WEHIRROHGE\DQRYHUFDVWGD\6XQLVDEOHWRSHQHWUDWHFORXGVVR\RXFDQVWLOOJHWEXUQW
3ODQDKHDG$SSO\VXQVFUHHQEHIRUHOHDYLQJKRPHWKXVSUHYHQWLQJDJULWW\
VDQG\DSSOLFDWLRQDVZHOODVJLYLQJWKHVXQVFUHHQDFKDQFHWREHDEVRUEHGDQG
WKHUHIRUHZRUNPRUHHIIHFWLYHO\
•
8VHGLVWUDFWLRQV$SSO\WKHVXQVFUHHQLQIURQWRIWKH79RUD'9'VRWKDWFKLO
GUHQEDUHO\QRWLFHWKHSDLQIXOSURFHVV
•
(PSRZHU\RXUFKLOGE\DOORZLQJKHUWREH\RXUOLWWOHKHOSHUDQGDSSO\KHURZQ
VXQFUHDP
•
,IDOOHOVHIDLOVODWKHU\RXUFKLOGXSZKLOHVKHLVLQVRPHNLQGRIUHVWUDLQWKHU
KLJKFKDLUVWUROOHURUFDUVHDW
•
,QWKHHYHQWRIVXQEXUQJRRGROGIDVKLRQHGFDODPLQHORWLRQZLOOVRRWKHWKH
VNLQ$YRLGDQ\IXUWKHUH[SRVXUHWRWKHVXQXQWLOWKHVNLQKDVKHDOHG
+($/7+
7HHWKLQJ
%DE\¶VWHHWKVWDUWJURZLQJDURXQGVL[ZHHNVDIWHUFRQFHSWLRQDQGDOOWZHQW\
SULPDU\WHHWKDUHLQSODFHLQWKHMDZERQHE\WKHWLPHRIELUWK$SSUR[LPDWHO\
LQEDELHVDUHERUQZLWKQDWDOWHHWKEXWPDQ\RIWKHVHDUHORVWLQWKHILUVWIHZ
ZHHNVRIOLIH
$VDJHQHUDOUXOHEDELHVZLOOKDYHWKHLUILUVWWHHWKFRPHWKURXJKDWDURXQGVL[
PRQWKVLQOLQHZLWKWKHQHHGWRPRYHRQWRVROLGIRRGV)LUVWWHHWKFDQVRPHWLPHV
KDSSHQHDUOLHUWKRXJKDQGPD\HYHQDSSHDUDVODWHDVPRQWKVRIDJHLQVRPH
EDELHV
7KHERWWRPWZRWHHWKFHQWUDOLQFLVRUVXVXDOO\DSSHDUILUVWIROORZHGE\WKH
XSSHUWZRDQGRIWHQFRPHWKURXJKLQSDLUV7KHPRODUVEHJLQWRVKRZDWDURXQG
PRQWKVRIDJHDQGPD\FDXVHDELWRIGLVFRPIRUW%DELHVZLOOVSHQGPRVWRIWKHLU
VHFRQG\HDUWHHWKLQJ
$OOWZHQW\RIWKHSULPDU\WHHWKVKRXOGEHWKURXJKE\WKHWLPH\RXUFKLOGLV
WKUHH7KHILUVWSHUPDQHQWWHHWKVWDUWWRFRPHLQDWDURXQGVL[\HDUVRIDJH
+($/7+
7HHWKLQJ
0DQ\EDELHVVKRZQRDGYHUVHVLJQVRIEHLQJXQZHOOZKHQWHHWKLQJ7HHWKLQJLVDQDWXUDO
SDUWRIDEDE\¶VOLIHDQGUHVHDUFKVXJJHVWVWKDWWHHWKLQJLVQRWUHVSRQVLEOHIRUPDQ\DVSHFWVRILOO
KHDOWKZKLFKZHUHWUDGLWLRQDOO\WKRXJKWWRUHODWHWRWHHWKLQJ
,WLVQRZJHQHUDOO\DFFHSWHGWKDWWHHWKLQJGRHVQRWFDXVHGLDUUKRHDYRPLWLQJRUHYHQIHYHUV
$OWKRXJKVRPHRIWKHVHV\PSWRPVDSSHDUDURXQGWKHWLPHRIWHHWKLQJWKH\DUHEHOLHYHGWREH
SDUWRIWKHRYHUDOOGHYHORSPHQWDOSURFHVV,I\RXDUHFRQFHUQHGDERXWDQ\RI\RXUEDE\¶V
V\PSWRPVKRZHYHUVHH\RXUHDUO\FKLOGKRRGQXUVHRU\RXUGRFWRU
6LJQVWKDW\RXUEDE\KDVWHHWKFRPLQJWKURXJKLQFOXGHUHGQHVVDWWKHVLWHRIWKHQHZ
WRRWKDQGVRPHWLPHVDIOXVKHGFKHHN6RPHEDELHVZKRDUHWHHWKLQJPD\GULEEOHVRPXFKWKDW
WKH\ZLOOQHHGDELEWRDYRLGJHWWLQJWKHLUFORWKHVVDWXUDWHG
2FFDVLRQDOO\EDELHVZLOOEHPRUHFOLQJ\WKDQXVXDO7KHPRVWREYLRXVVLJQLVDQLQFUHDVHLQWKH
FKHZLQJRIFHUWDLQWR\VDQGRWKHUREMHFWV6RPHEDELHVZLOOUHVSRQGZHOOWRWHHWKLQJDLGVVXFK
DVWHHWKLQJULQJVUXVNVDQGHYHQGXPPLHVZKLOHWKHLUILUVWWHHWKDUHFRPLQJWKURXJK
+($/7+
7HHWKLQJ
+($/7+
7HHWKLQJ
7KHGLDJUDPLOOXVWUDWHVWKHDSSUR[LPDWHWLPHVWKDWWKHSULPDU\WHHWKFRPHWKURXJK
LQEDELHVDQG\RXQJFKLOGUHQ
5HSURGXFHGIURP&KLOGUHQ<RXWKDQG:RPHQ¶VKHDOWKVHUYLFH
ZZZF\KFRP
+($/7+
7HHWKLQJ
•
,I\RXUEDE\LVDWWKHVWDJHRIILQJHUIRRGVVKHPD\HQMR\FRROIRRGVVXFKDV
FXFXPEHUZKLOHWHHWKLQJRUPRUHWH[WXUHGIRRGVZKLFKUHTXLUHFKHZLQJ$YRLG
OHDYLQJ\RXUEDE\XQDWWHQGHGZLWKILQJHUIRRGVGXHWRWKHULVNRIFKRNLQJ
•
6RPHWLPHVDVQHZWHHWKFRPHWKURXJKEDELHVPD\H[SHULHQFHVPDOOEOLVWHUVLQWKHLUPRXWKV
FDOOHGµHUXSWLRQF\VWV¶7KHVHEOLVWHUVDUHQRUPDODQGGRQRWXVXDOO\UHTXLUHWUHDWPHQWDOWKRXJK
\RXPD\QHHGWRVHHDGHQWLVWLIEOLVWHUVSHUVLVW
•
$VVRRQDVWKHILUVWWHHWKDSSHDULWLVLPSRUWDQWWRHVWDEOLVKDWRRWKEUXVKLQJURXWLQH
ZLWK\RXUEDE\WRJXDUGDJDLQVWWRRWKGHFD\7KHUHDUHQRZWKUHHVWDJHEDE\WRRWK
EUXVKHVDYDLODEOHZKLFKFRPHZLWKGLIIHUHQWDWWDFKPHQWVZKLFKDOORZ\RXUEDE\WRJHWJHQWO\DF
FXVWRPHGWRWKHSURFHVVRIEUXVKLQJKHUWHHWK7KHILUVWµWRRWKEUXVK¶LVLGHDOIRUWHHWKLQJDQGFDQ
EHSXUFKDVHGIURP\RXUORFDOVXSHUPDUNHWRUSKDUPDF\
•
7RRWKSDVWHLVQRWDGYLVHGXQWLOFKLOGUHQDUHEHWZHHQPRQWKVDQG\HDUV8VHORZIOXRULGH
WRRWKSDVWHWREHJLQZLWKDQGHQFRXUDJH\RXUFKLOGWRVSLWWKHSDVWHRXWDQGDYRLGVZDOORZLQJ
2UDO7KUXVK
+($/7+ 2UDOWKUXVKLVD\HDVWLQIHFWLRQZKLFKFRPPRQO\RFFXUVLQEDELHVXQGHUPRQWKV,WLV
FDXVHGE\\HDVWFDOOHG&DQGLGDDOELFDQVZKLFKLVSUHVHQWLQHYHU\ERG\¶VPRXWKVDQGVWRPDFKV
DQGRQWKHVNLQDQGJHQLWDODUHDV,IWKHLPPXQHV\VWHPEHFRPHVZHDNHQHGDQGWKHEDODQFHLV
XSVHWWKHUHLVDQRYHUJURZWKRIWKHFDQGLGD\HDVWUHVXOWLQJLQWKHFRQGLWLRQRIWKUXVK
1HZERUQVRIWHQGHYHORSRUDOWKUXVKZLWKLQWKHILUVWIHZZHHNVRIOLIHDQGEDELHVXQGHU
RQH\HDUPD\JHWLWLQFRQMXQFWLRQZLWKQDSS\UDVKDURXQGWKHLUJHQLWDODUHD
&RPPRQVLJQVDQGV\PSWRPVRIRUDOWKUXVKLQFOXGHZKLWHFUHDP\VSRWVLQWKHPRXWKDQG
DIRDP\FRDWHGWRQJXHVRPHWLPHVSDOHSLQNVSRWVDSSHDURQWKHOLSVDQGWKHUHLVDVRUHRU
EXUQLQJVHQVDWLRQLQWKHPRXWKZKLFKPD\RIWHQDIIHFW\RXULQIDQW¶VZLOOLQJQHVVWRIHHG
&RQYHQWLRQDOWUHDWPHQWVPD\LQFOXGHRUDODQWLIXQJDOPHGLFDWLRQVLQWKHIRUPRIGURSVRU
JHOZKLFKPD\EHVSUHDGDURXQGWKHLQVLGHRIWKHPRXWK$VN\RXUGRFWRURUSKDUPDFLVWIRU
DGYLFH
+($/7+
+HDGDFKHV
2QHLQWHQFKLOGUHQFRPSODLQVRIKHDGDFKHVDQGURXJKO\RIFKLOGUHQZLOOKDYHKDG
DKHDGDFKHE\WKHDJHRIVHYHQ$OWKRXJKSDLQIXOWKH\DUHUDUHO\VHULRXVDQGFDQJHQHUDOO\EH
PDQDJHGDWKRPH+HDGDFKHVPD\YDU\LQVHYHULW\IURPPLOGO\XQFRPIRUWDEOHWREHLQJTXLWH
GHELOLWDWLQJDQGPDQ\UHTXLUHSDLQPHGLFDWLRQ
7KHUHDUHDUDQJHRIFDXVHVZKLFKPD\DFFRXQWIRU\RXUFKLOG¶VKHDGDFKH2QHRIWKHPRVW
FRPPRQUHDVRQVIRUDKHDGDFKHLVGHK\GUDWLRQ,I\RXUFKLOGFRPSODLQVRIDKHDGDFKHFKHFNWKDW
WKH\DUHGULQNLQJHQRXJKHVSHFLDOO\LQVXPPHUZKHQDFWLYHFKLOGUHQ¶VIOXLGQHHGVLQFUHDVH
+HDGDFKHVDUHDOVRDUHVXOWRIFROGVDQGYLUXVHVDQGDUHVRPHWLPHVDFFRPSDQLHGE\IHYHU
7HQVLRQKHDGDFKHVDUHPRVWRIWHQDVVRFLDWHGZLWKVWUHVVDUHGXOODQGVWHDG\DQGGRQRWDOZD\V
GLVDSSHDUZKHQRXUFKLOGVOHHSV
6XQVWURNHFDQDOVREHDFDXVHDVZHOODVH\HVWUDLQUHVXOWLQJIURPSRRUYLVLRQDQGZKLFKPD\
UHTXLUHDYLVLRQVFUHHQLQJWHVW
%HDZDUHRIDQ\KHDGDFKHZKLFKGHYHORSVIURPDKHDGLQMXU\RUDQ\DFFLGHQWDONQRFNVDQG
EUXLVHV6HHNPHGLFDODWWHQWLRQLPPHGLDWHO\LI\RXUFKLOGIDOOVRQKLVKHDGDQGH[SHULHQFHVQDXVHD
RUYRPLWLQJ
2UDO7KUXVK
+($/7+ •
6LQFHRUDOWKUXVKFDQFDXVHWKHPRXWKWREHH[WUDVHQVLWLYHDYRLGKRWRUDFLGLF
IRRGVDQGNHHSDOOIOXLGVDQGIRRGVFRRODQGEODQG,I\RXUEDE\LVDEOHGULQNLQJWKURXJK
DVWUDZPD\IHHOEHWWHUDQGKXUWWKHLUPRXWKOHVV
•
,WLVDOVRDJRRGLGHDWRPLQLPLVHIRRGVRUGULQNVFRQWDLQLQJVXJDUHYHQQDWXUDOVXJDUV
OLNHIUXFWRVHDV\HDVWWKULYHVRQVXJDUPDNLQJWKHLQIHFWLRQKDUGHUWREHDW
•
1DWXUDOWUHDWPHQWVPD\LQFOXGHWKHXVHRIYLWDPLQ&WRERRVWLPPXQHIXQFWLRQRU
JUDSHIUXLWVHHGH[WUDFW±IRULWVQDWXUDODQWLIXQJDOSURSHUWLHV<RXPD\DOVRFKRRVHWR
JLYH\RXUEDE\RQHWHDVSRRQRIOLTXLGDFLGRSKLOXVZKLFKSURPRWHVWKHUHHVWDEOLVKPHQW
RIKHDOWK\EDFWHULDDQGGLJHVWLYHEDODQFHWZLFHDGD\&KHFNZLWK\RXUSKDUPDFLVWRU
QDWXURSDWKIRUVSHFLILFLQVWUXFWLRQVDQGGRVDJHV
•
,I\RXILQGWKDW\RXUEDE\¶VQDSS\UDVKGRHVQRWUHVSRQGWRWKHXVXDOFUHDPVDQG
WUHDWPHQWVRULILWEHFRPHVVHYHUHWKLVPD\LQGLFDWHWKHSUHVHQFHRIWKUXVKDQGVKRXOG
EHFKHFNHGE\DGRFWRURU\RXUHDUO\FKLOGKRRGQXUVH
•
%DELHVZLWKWKUXVKGRQRWQHHGWREHH[FOXGHGIURPFKLOGFDUHXQOHVVWKH\VHHPWRR
XQFRPIRUWDEOHRUGLVWUHVVHGZLWKWKHFRQGLWLRQ
+($/7+
+HDGDFKHV
5HFXUUHQWKHDGDFKHVPD\HYHQWXDWHIURPDQXPEHURIFDXVHVDQGDOZD\VZDUUDQWPHGLFDODGYLFH
6HH\RXUGRFWRURUHPHUJHQF\GHSWLPPHGLDWHO\LI\RXUFKLOGKDVDKHDGDFKHZKLFKODVWV
PRUHWKDQKRXUVRULVVXIIHULQJIURPEOXUUHGYLVLRQKDVDVWLIIQHFNDQGLVXQVWHDG\RQKHUIHHW
RULIKHDGDFKHVDUHVHYHUHXSRQZDNLQJDQGDUHDFFRPSDQLHGE\QDXVHDRUYRPLWLQJ
2FFDVLRQDOO\KHDGDFKHVPD\EHGXHWRPHQLQJLWLVRUDEUDLQWXPRXUEXWWKHVHFDVHVDUH
UHODWLYHO\UDUHVHHFDUGRQPHQLQJRFRFFDO
+LJKOHYHOVRIVWUHVVDQGDQ[LHW\FDQRIWHQWULJJHUKHDGDFKHVDQGPD\EH
DOOHYLDWHGE\LGHQWLI\LQJDQGDGGUHVVLQJVRXUFHVRISRWHQWLDOVWUHVV
,QDGGLWLRQVRPHIRRGVFRQWDLQLQJPRQRVRGLXPJOXWDPDWH06*FDQEULQJRQDKHDGDFKHDVZHOO
DVDUWLILFLDOIRRGFRORXULQJVDQGQLWUDWHVIRXQGLQVRPHFROGPHDWVDQGKRWGRJVDQGFDIIHLQHLQ
IL]]\GULQNVDQGFKRFRODWH
3DUDFHWDPROPD\EHXVHGLI\RXUFKLOGVHHPVLQWRRPXFKSDLQRUGLVFRPIRUWEXWDYRLGWKHXVHRI
DVSLULQDVLWFDQEHH[WUHPHO\GDQJHURXVLIWDNHQE\FKLOGUHQ
+($/7+
+HDGDFKHV
•
0LJUDLQHVDUHXQFRPPRQLQ\RXQJFKLOGUHQEXWPD\RFFXULQVRPHFKLOGUHQ
ZKRDUHJHQHWLFDOO\SUHGLVSRVHGWRWKHPDQGKDYHIDPLO\PHPEHUVZLWKDKLV
WRU\RIPLJUDLQHKHDGDFKHV
•
,I\RXUFKLOGKDVDKHDGDFKHHQVXUHWKH\DUHJHWWLQJHQRXJKVOHHSDUH
GULQNLQJHQRXJKDQGKDYHSOHQW\RIKHDOWK\IRRGDQGVQDFNVLQWKHLUGLHW+LJK
ILEUHVQDFNVVXFKDVEDQDQDRUZKROHJUDLQFUDFNHUVZLOOUDLVHEORRGVXJDUOHY
HOVLQDJUDGXDOPDQQHUDQGFDQKHOSZLWKVRPHKHDGDFKHV
•
)RUPLOGKHDGDFKHVHQFRXUDJH\RXUFKLOGWRUHVWTXLHWO\DQGNHHSQRLVHV
DURXQGWKHPWRWKHPLQLPXP6RPHFKLOGUHQILQGLWKHOSIXOWRKDYHWKHLUKHDGV
DQGWHPSOHVJHQWO\PDVVDJHG
•
3HSSHUPLQWDQGODYHQGHURLODUHQDWXUDOUHOD[DQWVDQGRIWHQKHOSWRHDVH
PLOGKHDGDFKHVDQGQHUYRXVWHQVLRQ$GGGURSVRIHLWKHUSHSSHUPLQWRUODYHQ
GHURLOWRFXSRIZDWHUVRDNDZDVKFORWKLQWKHZDWHUDQGWKHQSODFHWKHFROG
VRRWKLQJFORWKRQ\RXUFKLOG¶VIRUHKHDG
+($/7+,16(&7%,7(667,1*6 7LFN%LWHV
•
7LFNVDUHH[WHUQDOSDUDVLWHVZKLFKIHHGRQEORRGDQGDUHDPHPEHURIWKH
DUDFKQLGIDPLO\DORQJZLWKVSLGHUVVFRUSLRQVDQGPLWHV7KHSDUDO\VLVWLFNPRVW
FRPPRQO\FDXVHVSUREOHPVIRUSHRSOHDQGDQLPDOVDQGFDQEHIRXQGLQFHUWDLQDUHDV
DORQJWKHHDVWHUQVHDERDUGRI$XVWUDOLD
•
2QFHRQWKHVNLQRIDKXPDQRUDQLPDOWKHWLFNHPEHGVLWVHOILQWKHVNLQDQG
VZHOOVXSZLWKEORRG,WFDQEHPDQ\GD\VEHIRUHLWLVGHWHFWHG7KHUHDUHVHYHUDO
VWDJHVRIGHYHORSPHQWWKDWWKHWLFNJRHVWKURXJKZKLFKRIWHQOHDGVSHRSOHWRPLV
WDNHWKHPIRUGLIIHUHQWW\SHVRIWLFNV7KHLQIDQWVDUHNQRZQDVµJUDVVWLFNV¶DUH
DOPRVWLQYLVLEOHWRWKHQDNHGH\HDQGFRYHUWKHVNLQZLWKPXOWLWXGHVRIWLQ\UHGELWHV
7KHVHODUYDOWLFNVFDQEHLPSRVVLEOHWRUHPRYHZLWKWZHH]HUV2QHZD\RIGHDOLQJ
ZLWKWKHPLVWRJLYH\RXUFKLOGDPLQXWHEDWKZKLFKFRQWDLQVFXSELFDUERQDWHRI
VRGD
•
7KHMXYHQLOHVDUHFRPPRQO\NQRZQDVEXVKWLFNVZKLOHWKHIXOO\JURZQDGXOWVDUH
VKHOOEDFNVRUSDUDO\VLVWLFNV7KHDGXOWIHPDOHVVZHOOZLWKEORRGDQGFDQEHFRPHYHU\
ODUJHFDXVLQJDQ\WKLQJIURPORFDOLUULWDWLRQWRDQXPEHURIVHULRXVKHDOWKWKUHDWV
+($/7+,16(&7%,7(667,1*6 7LFN%LWHV
•
,QRUGHUWRIHHGDQGSURGXFHHJJVWKHWLFNLQMHFWVVDOLYDODFHGZLWKWR[LFFKHPLFDOV
ZKLFKVWLPXODWHVEORRGIORZ(DUO\GHWHFWLRQLVUHFRPPHQGHGWDNLQJFDUHWRQRWWRXFK
RUGLVWXUEWKHWLFNEHIRUHDWWHPSWLQJWRUHPRYHLW,WLVJHQHUDOO\DFFHSWHGWKDWLWLV
EHVWQRWWRNLOOWKHWLFNEHIRUHUHPRYDOZLWKPHWK\ODWHGVSLULWVRUWHDWUHHRLO
DVWKLVFDXVHVLWWRLQMHFWPRUHWR[LQVLQWRWKHERG\7KH'HSWRI(QWRPRORJ\DW6\GQH\
8QLYHUVLW\KRZHYHUVWDWHVWKDWWKHWLFNFDQEHVSUD\HGZLWKDQDHURVROUHSHOOHQW
FRQWDLQLQJS\UHWKULQDVWKLVKDVDQDUFRWLFHIIHFWXSRQWKHWLFNDQGGRHVQRWFDXVHWKH
WLFNWRGXPSSRLVRQ
•
:KHQUHPRYLQJDWLFNXVHILQHWZHH]HUVDQGJUDVSWKHWLFNDVFORVHWRWKHVNLQ
DVSRVVLEOHSXOOLQJJHQWO\LQDQXSZDUGVPRWLRQ$YRLGVTXHH]LQJWKHERG\DVWKLVFDQ
DOVRFDXVHWKHWLFNWRGHSRVLWWR[LQVLQWRWKHELWHDUHD
•
6RPHSHRSOHPD\KDYHDVHYHUHDOOHUJLFUHDFWLRQWRWLFNELWHVFDOOHG
DQDSK\OD[LVDQGDOWKRXJKWKLVLVUHODWLYHO\UDUHLWLVDPHGLFDO
HPHUJHQF\DQGUHTXLUHVLPPHGLDWHDVVLVWDQFHRQ
+($/7+7LFN%LWHV
7LFNELWHVGRQRWXVXDOO\FDXVHDQ\ODVWLQJPHGLFDOSUREOHPVEXWFDQ
•
RFFDVLRQDOO\SRVHVHULRXVKHDOWKFRQGLWLRQVVXFKDVSDUDO\VLVWLFNW\SKXVDQG/\PH¶V
GLVHDVHQRUHSRUWHGFDVHVLQ$XVWUDOLD7\SKXVVWDUWVZLWKDIHYHUDIWHUWKHLQLWLDOELWHDQGOHDGV
WRDVWLIIQHFNDQGMRLQWV7KHFRQGLWLRQFDQEHFRQILUPHGZLWKEORRGWHVWVDQGLVWUHDWHGHIIHF
WLYHO\ZLWKDQWLELRWLFV
3DUDO\VLVLVWKHPRVWFRPPRQFRQGLWLRQDVVRFLDWHGZLWKWLFNVZLWKV\PSWRPVPRVWOLNHO\
•
WRFDXVHSUREOHPVLQFKLOGUHQOHVVWKDQILYH\HDUVDQGWRSHWV7KHHDUO\V\PSWRPVRISDUDO\VLV
DUHDUDVKKHDGDFKHIHYHUXQVWHDGLQHVVRIPRYHPHQWZHDNQHVVRIOLPEVDQGSDUWLDOIDFLDOSD
UDO\VLV7KHVLWHRIWKHELWHZLOOXVXDOO\UHPDLQH[WUHPHO\LWFK\ZLWKORFDOLVHGVZHOOLQJZKLFKPD\
ODVWIRUXSWRWZRZHHNV
7KHUHDUHDQXPEHURIUHFRPPHQGDWLRQVZKLFKFDQKHOSPLQLPLVHWKH
•
OLNHOLKRRGRIWLFNELWHV
+($/7+
•
+HDG/LFH
)LUVWDQGIRUHPRVWKHDGOLFHDUHQRWGLUW\RUDVLJQRIQHJOLJHQFHGHVSLWHWKH
KLVWRULFDOVWLJPDDQGEDGSUHVV,WLVDIDFWRIPRGHUQOLIHWKDWPRVWFKLOGUHQZLOO
FDWFKOLFHDWOHDVWRQFHLIQRWPXOWLSOHWLPHVGXULQJWKHLUFKLOGKRRG
•
/HDUQWRVSRWWKHWHOOWDOHVLJQVLQWHQVHLWFKLQHVVRIWKHVFDOSWLQ\UHGELWHVSRWVRQ
WKHVFDOSDQGVPDOOZKLWHEXPSVQHDUWKHEDVHRIWKHKDLUV2QFHFKLOGUHQDUHPL[LQJVR
FLDOO\VXFKDVDWGD\FDUHRUSUHVFKRROLWLVDJRRGLGHDWRFKHFNWKHLUKDLUUHJXODUO\
6FKRROVZLOOXVXDOO\QRWLI\SDUHQWVRIDQRXWEUHDN
•
$UP\RXUVHOIZLWKDPHWDOOLFHFRPE7KHSODVWLFRQHVDUHXVHOHVVDVWKHHJJVMXVWVOLS
ULJKWWKURXJK
•
7KHHJJVRIKHDGOLFHQLWVXVXDOO\WDNHWRGD\VWRKDWFK/LYHHJJVDQGKHDG
OLFHDUHQRWHDVLO\VSRWWHGRQWKHKHDG,QWHQVLYHGHWHFWLRQWZLFHDZHHNIRU±ZHHNVLV
WKHNH\7KHQLWVDUHHDVLHUWRVHHWKDQWKHDOPRVWWUDQVSDUHQWDGXOWV
6((5(9(56(2)7+,6&$5')25+2:72%($7+($'/,&(
+($/7+,16(&7%,7(667,1*67LFN%LWHV
•
$YRLGWLFNLQIHVWHGDUHDVDVPXFKDVSRVVLEOH7LFNVDUHFRPPRQO\IRXQGLQ
GHQVHEXVK\DUHDVHVSHFLDOO\OHDI\PXOFKDQGORQJJUDVV7KH\WHQGWREHIDLUO\
LPPRELOHDQGPRYHDERXWE\DWWDFKLQJWRKXPDQVSHWVDQGOLYHVWRFN0DNHVXUH
FKLOGUHQDUHDZDUHRIULVN\DUHDVDQGFKHFNWKHPWKRURXJKO\ZKHQWKH\FRPHLQ
IURPDEXVKZDONRUSOD\LQJLQJDUGHQV7LFNVIDYRXUWKHEDFNRIWKHKHDGDQG
EHKLQGWKHHDUV%UXVKRIIFORWKLQJZKHQILUVWHQWHULQJWKHKRXVH
•
7LFNVPD\EHFDUULHGLQWRWKHKRXVHRQSHWVDQGFDQVSUHDGWRFKLOGUHQ
HVSHFLDOO\LISHWVDUHDOORZHGRQWKHIXUQLWXUHRUWRVOHHSRQFKLOGUHQ¶VEHGV&KHFN
\RXUDQLPDOVIUHTXHQWO\DQGXVHFRPELQDWLRQIOHDDQGWLFNSUHSDUDWLRQVDYDLODEOH
IURPYHWVVXFKDV)URQWOLQHDQG$GYDQWDJH
•
:KHQZRUNLQJZDONLQJRUSOD\LQJLQDUHDVZKHUHWLFNVDUHFRPPRQO\IRXQGLW
FDQEHKHOSIXOWRVSUD\FORWKLQJZLWKLQVHFWUHSHOOHQWVRUDSURGXFWFRQWDLQLQJOHPRQ
HXFDO\SWXVFDOOHGFLWULGLRO$GGLWLRQDOO\WU\ZHDULQJOLJKWFRORXUHGFORWKLQJIRUHDV\
GHWHFWLRQRIWLFNV.HHSULVN\DUHDVEUXVKFXWDQGPRZQDVPXFKDVSRVVLEOH
+($/7++RZWREHDW+HDG/LFH
•
/HDUQKRZWREUHDNWKHOLIHF\FOHE\UHPRYLQJKDWFKHGOLFH
•
&RQWUDU\WRSRSXODURSLQLRQUHFHQWVWXGLHVLQVLVWWKDWLWLVXQQHFHVVDU\WRGLVLQIHFWDOO
FORWKLQJWR\VDQGEHGGLQJ7UHDWWKHOLYHLQIHVWDWLRQUHPRYHQLWVHJJVDVPXFKDVSRV
VLEOHDQGWUHDWFRPEVDQGEUXVKHVDYRLGVKDULQJ
•
/DWHVWUHVHDUFKPDLQWDLQVWKDWWKHXVHRIQHXURWR[LFFKHPLFDOVWRWUHDWKHDGOLFHLV
H[SHQVLYHDQGXQFDOOHGIRU,QDGGLWLRQKHDGOLFHRIWHQEXLOGXSUHVLVWDQFHWRSDUWLFXODU
SURGXFWV6SHFLDOOLFHFRPEVXVHGLQFRQMXQFWLRQZLWKQRUPDOFRQGLWLRQHUDUHMXVWDV
HIIHFWLYHDQGOHVVWR[LFWR\RXUFKLOG
•
&KHFNDOOIDPLO\PHPEHUVDQGWUHDWDVQHFHVVDU\
•
&RPELQJZHWFRQGLWLRQHGKDLUZLWKDOLFHFRPELVDUHOLDEOHGHWHFWLRQ
DQGHUDGLFDWLRQPHWKRGVLQFHZHWOLFHVWD\VWLOO'U\RUGDPSOLFHPRYHTXLFNO\
WKXVDYRLGLQJGHWHFWLRQ5HPRYHOLFHRQWRDWLVVXHZLWKHDFKFRPEWKURXJKDQG
UHSHDWWKLVSURFHVVUHJXODUO\
•
8VH3UHYHQWDWLYHPHDVXUHVE\ILOOLQJDVSUD\ERWWOHZLWKDWHDWUHHODYHQGHUDQG
ZDWHUVROXWLRQ$SSO\LQWKHPRUQLQJVSULRUWRVFKRRO0DNHVXUHHDFKIDPLO\
PHPEHUKDVWKHLURZQEUXVKIRUWKHLUXVHRQO\
+($/7+
$67+0$
$VWKPDLVDUHVSLUDWRU\LOOQHVVLQYROYLQJDFKURQLFLQIODPPDWLRQRIWKHDLUZD\VOHDGLQJWRZKHH]LQJ
FRXJKLQJDQGGLIILFXOW\EUHDWKLQJ,WLVFXUUHQWO\RQHRIWKHPRVWFKURQLFLOOQHVVHVLQ$XVWUDOLDDQGWKH
FRPPRQHVWUHDVRQWKDWFKLOGUHQSUHVHQWWRWKHHPHUJHQF\GHSDUWPHQWZLWKLQFKLOGUHQUHSRUWHGWR
EHVXIIHULQJIURPDVWKPD
7KHLQFLGHQFHRIDVWKPDLVLQFUHDVLQJZRUOGZLGHDQGWKHFRQGLWLRQLVWZLFHDVOLNHO\WRRFFXULQER\V
WKDQJLUOV
$VWKPDFDQEHGLIILFXOWWRIXOO\GLDJQRVHLQ\RXQJFKLOGUHQJLYHQWKDWDWKLUGRIDOOFKLOGUHQH[SHULHQFH
FRXJKLQJDQGZKHH]LQJV\PSWRPVLQWKHLUILUVWILYH\HDUV$OVRRQHRIWKHGLDJQRVWLFWRROVXVHGWR
PHDVXUHKRZZHOOWKHOXQJVZRUND³SHDNIORZPHWHU´FDQRQO\EHXVHGZLWKFKLOGUHQRYHUILYH\HDUV
:KHH]LQJLQHDUO\FKLOGKRRGLVOHVVSUHGLFWLYHRIDVWKPDWKDQLILWKDSSHQVODWHULQDFKLOG¶VOLIH,I
WKHUHLVDUHFXUUHQWSDWWHUQRIFRXJKLQJDQGZKHH]LQJRYHUWKHDJHRIILYH\HDUVWKHSUREDELOLW\WKDWLW
LVGXHWRDVWKPDULVHVWR
7KHSUHVHQFHRIRWKHUDOOHUJLHVVXFKDVKD\IHYHUDQGHF]HPDLQFUHDVHVWKHOLNHOLKRRGRID
FRQFXUUHQWFRQGLWLRQRIDVWKPDE\DSSUR[
+($/7+
•
$67+0$
%URQFKLROLWLVLVDQLQIODPPDWLRQRIWKHVPDOODLUSDVVDJHVZKLFKFDQRFFXULQEDELHVDQGRIWHQ
PDQLIHVWVLQDVLPLODUPDQQHUWRDVWKPD,I\RXUEDE\FRQWUDFWVWKLVFRPPRQYLUDOLQIHFWLRQLW
GRHVQRWQHFHVVDULO\LQGLFDWHDSURSHQVLW\WRZDUGVDVWKPD
•
7KHWZRVWURQJHVWULVNIDFWRUVIRUDFKLOGGHYHORSLQJDVWKPDDUHDIDPLO\KLVWRU\RIDVWKPD
DQGWKHSUHVHQFHRIDOOHUJHQLFWHQGHQFLHV,QDGGLWLRQSDVVLYHVPRNLQJLVDVVRFLDWHGZLWKDQ
LQFUHDVHGULVNRIUHVSLUDWRU\LQIHFWLRQVLQHDUO\FKLOGKRRGDQGPD\FRQWULEXWHWRWKH
GHYHORSPHQWRIDVWKPDDQGRWKHUDOOHUJLFUHDFWLRQV
•
,I\RXUFKLOGLVGLDJQRVHGZLWKDVWKPDWU\QRWWRZRUU\DVPRVWFKLOGUHQZLWKDVWKPDZLOOOHDG
QRUPDOOLYHVDQGRIWHQLPSURYHDVWKH\JHWROGHU7KHEHVWZD\WRKHOS\RXUFKLOGLVWR
XQGHUVWDQGKHUFRQGLWLRQDQGPRQLWRUZKDWWULJJHUVKHUDVWKPD\RXFDQWKHQPLQLPLVHRU
DYRLGH[SRVXUHWRWKHVHWULJJHUV9LUDOUHVSLUDWRU\LQIHFWLRQVDUHWKHPRVWFRPPRQWULJJHUIRU
DVWKPDDWWDFNV2WKHUWULJJHUVDUHDOOHUJLHVWRIRRGVXFKDVPLONHJJVSHDQXWVDQGIRRG
DGGLWLYHV
+($/7+ $67+0$
•
7KHV\PSWRPVWKDWFKDUDFWHULVHDVWKPDDUHLQWHUPLWWHQWZKHH]LQHVVYDU\LQJLQVHYHULW\
VKRUWQHVVRIEUHDWKDQGGLIILFXOW\EUHDWKLQJWLJKWQHVVLQWKHFKHVWSHUVLVWHQWFRXJKLQJDQGLQ
PRUHVHULRXVDWWDFNVWKHUHPD\EHDEOXHQHVVDURXQGWKHOLSVNQRZQDVF\DQRVLVZKLFKLQGL
FDWHVDODFNRIR[\JHQ,I\RXQRWLFHWKDW\RXUFKLOGH[SHULHQFHVUHFXUUHQWSDWWHUQVRI
DQ\RIWKHVHV\PSWRPVHVSHFLDOO\LIV\PSWRPVZRUVHQLQWKHPRUQLQJVRUDWQLJKW
WDONWR\RXUGRFWRU
•
0RVWGRFWRUVGRQRWGLDJQRVHDVWKPDLQEDELHVOHVVWKDQPRQWKVXQWLOWKH
DLUZD\VLQWKHLUOXQJVKDYHPDWXUHG,WLVQRZJHQHUDOO\DFNQRZOHGJHGWKDWZKHH]LQJLQ
LQIDQWVPD\RFFXUIRUDQXPEHURIUHDVRQVDQGIROORZVRQHRIWZRSDWWHUQV7UDQVLHQW
HDUO\ZKHH]HUVDUHWKRVHZKRH[SHULHQFHV\PSWRPVRIZKHH]LQJZLWKLQWKHILUVWPRQWKV
DQGVWRSDIWHUWKHDJHRIWKUHH7KLVDFFRXQWVIRUDSSUR[RIDOOHDUO\ZKHH]HUV
7KHVHFKLOGUHQZLOOQRWUHVSRQGWRDVWKPDPHGLFDWLRQVEHFDXVHWKH\DUHQRWDVWKPDWLF
•
3HUVLVWHQWZKHH]HUVDUHWKRVHFKLOGUHQZKRVKRZDVWKPDV\PSWRPVZLWKLQWKHILUVW
\HDUVRIOLIHDQGFRQWLQXHRQXQWLOWKH\DUHGLDJQRVHGZLWKDVWKPD
•
7KHSUHVHUYDWLYHPHWDELVXOSKLWHFRPPRQO\XVHGIRUDQWLR[LGDQWHIIHFWVKDVEHHQ
GHPRQVWUDWHGWRWULJJHULPPHGLDWHDVWKPDV\PSWRPVLQWZRWKLUGVRIFKLOGUHQZLWKSHUVLVWHQW
DVWKPD,QKDOHGDOOHUJHQVDUHDOVRNQRZQWULJJHUVRIDVWKPDDQGLQFOXGHKRXVHGXVWPLWHV
SHWKDLUPRXOGVFLJDUHWWHVPRNHSROOHQHWF$VWKPDKDVDOVREHHQOLQNHGWRFKDQJHVLQGLHW
DQGZHDWKHUDORQJZLWKH[SRVXUHWRFHUWDLQGUXJVVWUHVVSROOXWLRQDQGHYHQH[HUFLVH
•
2QFH\RXKDYHHVWDEOLVKHGZKDWWULJJHUV\RXUFKLOG¶VDVWKPDLWLVVXJJHVWHGWKDW\RX
GLYLGHWKHVHWULJJHUVLQWRJURXSVWKRVH\RXFDQDYRLGWKRVH\RXFDQ¶WDYRLGDQGWKRVH
WULJJHUV\RXGRQ¶WZDQWWRDYRLGVXFKDVH[HUFLVH
•
:KLOHDVWKPDFDQQRWEHFXUHGLWFDQEHDGHTXDWHO\FRQWUROOHGZLWKDQXPEHURI
WUHDWPHQWRSWLRQV5HOLHYHUVDUHVRPHWLPHVNQRZQDVEURQFKRGLODWRUVVXFKDV9HQWROLQ
DQG%ULFDQ\ODQGRSHQXSWKHEURQFKLE\UHOD[LQJWKHPXVFOHVLQWKHDLUZD\VWKXVDOORZLQJ
EUHDWKLQJWREHHDVLHU7KH\DUHXVXDOO\JLYHQDVDQLQKDOHUWKDWLVXVHGZLWKD³VSDFHU´
ZKLFKPDNHVLWVLPSOHUIRUFKLOGUHQWRPDQDJH5HOLHYHUVDFWTXLFNO\WRUHOLYHV\PSWRPVRI
ZKHH]LQJDQGEUHDWKOHVVQHVV
+($/7+0HGLFDWLRQV$67+0$
•
6RPHUHOLHYHUPHGLFDWLRQVVXFKDVSUHGQLVRORQHDUHWDNHQDVDV\UXSRUWDEOHWEXWWKLVIRUPRI
PHGLFDWLRQFDQWDNHEHWZHHQ±KRXUVWRZRUN,QKDODWLRQLVJHQHUDOO\DFFHSWHGDVWKH
PRVWHIIHFWLYHPHDQVRIWDNLQJDQDVWKPDPHGLFDWLRQVLQFHWKHPHGLFDWLRQJHWVWRWKH
DLUZD\VUDSLGO\DQGWDNHVHIIHFWZLWKLQPLQXWHV
•
3UHYHQWHUPHGLFDWLRQVDUHLQGLFDWHGIRUFKLOGUHQZLWKLQWHUPLWWHQWRUSHUVLVWHQW
DVWKPDDQGDUHGHVLJQHGWREHXVHGGDLO\HYHQZKHQWKHFKLOGLVZHOODQGQRWVXIIHULQJZLWK
V\PSWRPV7KHVHPHGLFDWLRQVSUHYHQWWKHLQIODPPDWLRQDVVRFLDWHGZLWKDVWKPDDQGDLPWRUH
GXFHWKHIUHTXHQF\DQGVHYHULW\RIDVWKPDDWWDFNV$OOFKLOGUHQZLWKDVWKPDZLOOQHHGDUHOLHYHU
PHGLFDWLRQDQGVRPHZLOOUHTXLUHDSUHYHQWHUDVZHOO3UHYHQWHUPHGLFDWLRQVFDQEHFRUWLFR
VWHURLGVRUQRQVWHURLGDO$IWHUDIHZZHHNVRQSUHYHQWHUWUHDWPHQWLWLVDGYLVDEOHWRFRQVXOWZLWK
\RXUGRFWRUDQGHVWDEOLVKZKHWKHUWKHPHGLFDWLRQKDVUHGXFHGWKHQXPEHURIHSLVRGHVRIDVWKPD
DQGWKHIUHTXHQF\DQGVHYHULW\RIV\PSWRPVEHWZHHQHSLVRGHV
•
7KHUHDUHVRPHVLGHHIIHFWVIURPLQKDOHGVWHURLGVVXFKDVVORZHGJURZWKUDWHDPRQJRWKHUV
EXWHYLGHQFHVXJJHVWVDJUHDWHUULVNWRJURZWKLIDVWKPDLVQRWDGHTXDWHO\FRQWUROOHG
+($/7+7UHDWPHQW3ODQ$67+0$
•
7KHWUHDWPHQWSODQZLOOGHSHQGRQZKLFKSDWWHUQRIDVWKPD\RXUFKLOGKDV
7KHPRVWFRPPRQSDWWHUQDIIHFWLQJ±RIDOOFKLOGUHQLVLQIUHTXHQWRUIUHTXHQW
HSLVRGLFDVWKPD7KH\PD\H[SHULHQFHLQWHUPLWWHQWHSLVRGHVVXFKDVGD\HYHU\ ZHHNVEXW
UHPDLQV\PSWRPIUHHLQEHWZHHQ
•
,QRIFDVHVFKLOGUHQZLOOKDYHPLOGPRGHUDWHRUVHYHUHSHUVLVWHQWDVWKPD7KLVLVVLPLODU
WRWKHHSLVRGLFDVWKPDSDWWHUQEXWZLWKVKRUWHUSHULRGVRI
UHVSLWHLQEHWZHHQ7KLVJURXSZLOOEHQHILWIURPUHJXODUSUHYHQWLYHWKHUDS\
•
,Q±RIFDVHVFKLOGUHQZLOOH[SHULHQFHSHUVLVWHQWDVWKPDZLWKDFXWHSHULRGVWKDWPD\
LQWHUUXSWWKHLUVOHHS7KHVHFKLOGUHQPD\QHHGLQKDOHGFRUWLFRVWHURLGVRUFRPELQDWLRQWKHUDS\WR
FRQWUROV\PSWRPV
•
7KHW\SHRIDVWKPDSDWWHUQ\RXUFKLOGKDVZLOOGHWHUPLQHWKHGD\WRGD\
PDQDJHPHQWRIWKHFRQGLWLRQ<RXPD\FKRRVHWRNHHSDGDLO\DVWKPDV\PSWRPV
GLDU\WRKHOS\RXWUDFN\RXUFKLOG¶VFRQGLWLRQDORQJZLWKDQDVWKPDUHFRUGFDUGZKLFK
ZLOORXWOLQH\RXUPDQDJHPHQWSODQPHGLFDWLRQVDQGZKDWQHHGVWREHGRQHLQWKHHYHQW
RIDQDFXWHDVWKPDDWWDFN7XUQRYHUDQGUHDGDERXWZKDWWRGRLQDQHPHUJHQF\
+($/7+$67+0$
•
$GGLWLRQDOWUHDWPHQWVIRUDVWKPDLQFOXGHV\PSWRPFRQWUROOHUV7KHVHPHGLFDWLRQVZRUN
OLNHUHOLHYHUVEXWODVWORQJHUDSSUR[KRXUVFRPSDUHGWR7KH\DUHXVXDOO\RQO\
DGGHGWR\RXUFKLOG¶VDVWKPDWUHDWPHQWZKHQWKHV\PSWRPVFRQWLQXHHYHQZKHQXVLQJ
ORZWRPRGHUDWHGRVHVRILQKDOHGFRUWLFRVWHURLGV
•
,QVRPHFDVHVLPPHGLDWHDFWLRQLVUHTXLUHGDQG\RXZLOOQHHGWRFDOODGRFWRURU
DQDPEXODQFH,I\RXUFKLOGFRQWLQXHVWRZKHH]HFRXJKH[SHULHQFHVFKHVWWLJKWQHVVRU
VKRUWQHVVRIEUHDWKDIWHUXVLQJWKHUHOLHYHUPHGLFDWLRQRULIWKHV\PSWRPVUHWXUQZLWKLQ
PLQXWHVRIXVLQJLWWDNH\RXUFKLOGWRWKHQHDUHVWORFDOGRFWRURUWKH(PHUJHQF\'HSW
7KHVDPHDSSOLHVLI\RXUFKLOGLVUHTXLULQJUHOLHYHUPHGLFDWLRQHYHU\KRXUVRULIVKHLV
ILQGLQJLWGLIILFXOWWREUHDWKHRUWDON
•
:KHQGHDOLQJZLWKDFKLOGZLWKDVWKPDLWLVLPSRUWDQWWRFRQVXOWZLWK\RXUGRFWRUDQG
HVWDEOLVKDQDVWKPDDFWLRQSODQ7KLVZLOOWHOO\RXKRZWRSUHYHQWDQGPDQDJHDVWKPD
DWWDFNV2QFH\RXKDYHGRQHWKLVNHHSLWFORVHDWKDQGDQGHQVXUHDOOFDUHJLYHUVDUH
DZDUHRIZKDWWRGRLQWKHHYHQWRI\RXUFKLOGKDYLQJDQDVWKPDDWWDFN
+($/7+(PHUJHQFLHV$67+0$
•
,QDQHPHUJHQF\WKHVWDQGDUGDVWKPDILUVWDLGSODQDVDGYLVHGE\$VWKPD$XVWUDOLD
PD\EHXVHG
•
6WHS6LWWKHFKLOGXSULJKWUHPDLQFDOPDQGRIIHUUHDVVXUDQFH'RQRWOHDYHWKHFKLOGDORQH
•
6WHS*LYHIRXUSXIIVRIDEOXHUHOLHYHUSXIIHURQHSXIIDWDWLPHSUHIHUDEO\WKURXJKD
VSDFHUGHYLFH$VNWKHFKLOGWRWDNHEUHDWKVIURPWKHVSDFHUDIWHUHDFKSXII
•
6WHS:DLWPLQXWHV
•
6WHS,IWKHUHLVOLWWOHRUQRLPSURYHPHQWUHSHDWVWHSVDQG,IWKHVLWXDWLRQUHPDLQV
WKHVDPHFDOODQDPEXODQFHLPPHGLDWHO\RQ&RQWLQXHWRUHSHDWVWHSVDQGZKLOH
ZDLWLQJIRUWKHDPEXODQFH
•
)RUPRUHLQIRUPDWLRQWDONWR\RXUGRFWRURUFRQWDFWWKHIROORZLQJRUJDQLVDWLRQV
$VWKPD$XVWUDOLD1DWLRQDO$VWKPD&RXQFLOZZZQDWLRQDODVWKPDRUJDX
0RQGD\±)ULGD\DP±SP7KH$VWKPD)RXQGDWLRQRI16:
ZZZDVWKPDQVZJRYDXRUDGYLFHOLQH0RQGD\±)ULGD\DP±SP
+($/7+5DVKHVDWD*ODQFH
0HQLQJRFRFFDO0HQLQJLWLV&DQDSSHDUDQ\ZKHUHRQWKHERG\7KHEHVWFKHFNIRUPHQLQJLWLV
•
LVWRSUHVVDJODVVWRWKHUDVK,IWKHUDVKVWD\VYLVLEOHFRQVXOW\RXUGRFWRULPPHGLDWHO\
0HQLQJLWLVLVDFFRPSDQLHGE\IOXOLNHV\PSWRPVIHYHUH[FHVVLYHGURZVLQHVVVHYHUHKHDGDFKHV
DQGDVWLIIQHFN
&KLFNHQ3R[6\PSWRPVDSSHDUZHHNVDIWHULQIHFWLRQRIWHQVWDUWLQJZLWKDKHDGDFKHDQG
•
IHYHU7KHUDVKIRUPVLQSDWFKHVRILWFK\UHGVSRWVZKLFKWXUQLQWRIOXLGILOOHGEOLVWHUV&DQRFFXU
DQ\ZKHUHRQWKHERG\%OLVWHUVFDQWXUQLQWRVFDEVLIVFUDWFKHG
0HDVOHV6\PSWRPVDSSHDUGD\VDIWHULQIHFWLRQDFFRPSDQLHGE\IHYHUZDWHU\H\HV
•
UXQQ\QRVHDQGGU\FRXJK:KLWHVSRWV.RSOLN¶VVSRWVLQWKHPRXWKDUHRIWHQWKHILUVWYLVLEOH
VLJQRIPHDVOHV)ODWEORWFK\EURZQUHGVSRWVIRUPEHKLQGWKHHDUVDQGVSUHDGUDSLGO\WRWKH
UHVWRIWKHERG\
+($/7+
1DSS\5DVK
•
1DSS\UDVKLVRQHRIWKHPRVWFRPPRQUDVKHVDIIHFWLQJEDELHVFDXVLQJ
WKHVNLQRQWKHERWWRPJHQLWDOVRUWKLJKVWREHFRPHUHGDQGLQIODPHG,WLV
XVXDOO\WKHUHVXOWRIZHDULQJZHWRUVRLOHGQDSSLHVIRUH[WHQGHGSHULRGVRI
WLPHWKHDPPRQLDSUHVHQWLQXULQHRIWHQWULJJHUVDQDWWDFN%XWQDSS\UDVK
FDQVRPHWLPHVEHGXHWRDQLUULWDWLRQWRFHUWDLQZLSHVRUSHUIXPHGVRDSV
•
6RPHEDELHVGHYHORSWKHUDVKXSRQVWDUWLQJVROLGVLQUHDFWLRQWRFHUWDLQ
IRRGVHVSHFLDOO\FLWUXVIUXLWV,WLVDOVRPRUHOLNHO\LIWKHUHLVDIDPLO\KLVWRU\
RIGHUPDWLWLV
•
1DSS\UDVKWHQGVWREHPDGHZRUVHE\GLDUUKRHDLQIUHTXHQWQDSS\
FKDQJHVDQGSODVWLFSDQWVZKLFKGRQRWDOORZEDE\¶VVNLQWREUHDWKH
•
7KHPRVWHIIHFWLYHZD\VWRGHDOZLWKQDSS\UDVKDUHWRFKDQJHQDSSLHV
RIWHQDSSUR[±WLPHVSHUGD\XVHDKLJKTXDOLW\QDSS\ZKLFKNHHSV
PRLVWXUHDZD\IURPEDE\¶VVNLQXVHVRDSIUHHSURGXFWVDYRLGWKHXVHRI
EDE\ZLSHVGXULQJWKHUDVKDQGVZLWFKWRFRWWRQZRROGLSSHGLQZDUPZDWHU
+($/7+5DVKHVDWD*ODQFH
•
6FDUOHW)HYHU
5DVKDSSHDUVZLWKLQKRXUVRIWKHPDLQV\PSWRPVZKLFKLQFOXGH
H[WUHPHO\KLJKWHPSHUDWXUHXSWR&DEGRPLQDOSDLQVYRPLWLQJ
HQODUJHGWRQVLOVVRUHWKURDWDQGDWRQJXHFRYHUHGE\IXUU\UHGSDWFKHV
2WKHUVSRWVDSSHDUEHKLQGWKHHDUVDQGVSUHDGDQGPHUJHWKURXJKRXWWKH
ERG\
•
5RVHROD
5HODWLYHO\UDUHZLWKV\PSWRPVPXFKOLNH6FDUOHWIHYHU7LQ\GLVWLQFWSLQN
VSRWVDSSHDURQWKHIDFHOLPEVDQGQHFN5DVKIDGHVDIWHUDERXWKUV
•
,PSHWLJR
,QLWLDOV\PSWRPVLQFOXGHUHGGHQLQJRIWKHVNLQZKLFKJLYHZD\WRFURSVRI
VPDOOLWFK\IOXLGILOOHGEOLVWHUV7KHEOLVWHUVEXUVWDQGIRUPVPDOOKRQH\
FRORXUHGVFDEVZKLFKFDQEHHDVLO\VSUHDG
+($/7+
1DSS\5DVK
•
,WLVDOVRDJRRGLGHDWRXVHVRPHIRUPRIEDUULHUFUHDPVXFKDV]LQFRU
QDWXUDOFUHDPV±VXFKDVFKDPRPLOHFDOHQGXODVRRWKLQJDQGKHDOLQJRU
HYHQLQJSULPURVHRLOZKLFKLVDQDWXUDODQWLLQIODPPDWRU\$YRLGWKHXVHRI
WDOFXPSRZGHU
•
,IQDSS\UDVKLVXQUHVSRQVLYHWRWKHXVXDOFUHDPVDQGWUHDWPHQWV
\RXUEDE\PD\KDYHFRQWUDFWHGDIXQJDOLQIHFWLRQVXFKDVWKUXVK$VN\RXU
GRFWRURUSKDUPDFLVWIRUDGYLFH
+($/7+5RVHROD,QIDQWXP
•
5RVHROD,QIDQWXPURVHUDVKRILQIDQWVLVDFRPPRQPLOGYLUDOLQIHFWLRQ
ZKLFKWHQGVWRRFFXULQEDELHVDQGFKLOGUHQXQGHUWKHDJHRI8SWRRI
FKLOGUHQXQGHUWKHDJHRIZLOOKDYHFRQWUDFWHGWKHYLUXVRQHWKLUGRIWKHVHSUHVHQW
ZLWKRXWWKHUDVK
•
,WLVFDXVHGE\WKHKXPDQKHUSHVYLUXVW\SH++9EXWGRHVQRWOHDGWRRWKHU
KHUSHVFRQGLWLRQV,WLVEHOLHYHGWREHFRQWUDFWHGWKURXJKDLUERUQHGURSOHWVVQHH]LQJ
FRXJKLQJDQGGLUHFWFRQWDFWZLWKLQIHFWHGFKLOGUHQ&XUUHQWUHVHDUFK
•
LQGLFDWHVWKDWPRVWEDELHVLQIHFWHGZLWKWKH++9YLUXVKDGWKHYLUXVLQWHJUDWHGLQWR
WKHLUFKURPRVRPHVGXULQJIHWDOGHYHORSPHQW
7\SLFDOO\WKHFRQGLWLRQEHJLQVVXGGHQO\ZLWKKLJKWHPSHUDWXUHVRI±
GHJUHHV&DQGODVWVDSSUR[GD\V7KHQDVWKHFKLOGDSSHDUVWREHUHFRYHULQJDQG
WKH WHPSHUDWXUHVQRUPDOLVHDEULJKWUHGVSRWWHGUDVKDSSHDUVRQWKHWUXQNDQGDUPV
•
7KHUDVKLVQRWLWFK\DQGODVWVDQ\ZKHUHIURPDIHZKRXUVWRGD\V,WLVLPSRUWDQW
WRQRWHKRZHYHUWKDWWKLVLVWKHPRVWLQIHFWLRXVSHULRGVRFKLOGUHQVKRXOGEHNHSWDW
KRPHWRUHVWULFWWKHVSUHDGRILQIHFWLRQ
+($/7+
•
5LQJZRUP
'HVSLWHLWVQDPHULQJZRUPKDVQRWKLQJWRGRZLWKZRUPV/LNHWLQHDDQG
DWKOHWH¶VIRRWULQJZRUPLVDIXQJDOLQIHFWLRQZKLFKDIIHFWVWKHIDFHDQGVFDOS
DQGWKHVNLQRQWKHERG\LQFOXGLQJWKHJURLQDUHD
•
5LQJZRUPPRVWFRPPRQO\DIIHFWVFKLOGUHQEHWZHHQWKHDJHVRIDQG
\HDUVZLWKRXWEUHDNVRIWHQRFFXUULQJLQSUHVFKRROVDQGGD\FDUH,WLVUHD
VRQDEO\FRQWDJLRXVDQGLVFRQWUDFWHGE\FRPLQJLQWRFRQWDFWZLWKWKH
IXQJXVLQDQXPEHURIZD\VGLUHFWO\E\VNLQWRVNLQFRQWDFWZLWKLQIHFWHG
SHRSOHDQLPDOVDQGUDUHO\VRLODOWHUQDWHO\LWFDQEHFDXJKWLQGLUHFWO\IURP
FRQWDFWZLWKLQIHFWHGREMHFWVDQGVXUIDFHVKDWVFORWKLQJUXJV
•
)RUWXQDWHO\ULQJZRUPLVKLJKO\WUHDWDEOHDQGPXVWEHWUHDWHGDVWKH
FRQGLWLRQZLOOQRWGLVDSSHDURQLWVRZQ
•
7KHPDLQV\PSWRPVRQWKHERG\DUHFLUFXODUIODN\SDWFKHVZLWKLQIODPHG
HGJHV
+($/7+ 5RVHROD,QIDQWXP
•
$OWKRXJKURVHRODLVJHQHUDOO\DPLOGFRQGLWLRQFRPSOLFDWLRQVFDQRFFXU
DVUHVXOWRIUDSLGDQGKLJKWHPSHUDWXUHVZKLFKPD\EULQJRQIHEULOH
FRQYXOVLRQV6HHµ)HEULOH&RQYXOVLRQV¶7KHVHDUHVHL]XUHVWKDWUHVXOWIURP
KLJKIHYHUVDQGDOWKRXJKWKH\DUHUDUHO\VHULRXVDGRFWRUVKRXOGEHFRQVXOWHG
LPPHGLDWHO\,QUDUHFDVHVFKLOGUHQZLWKVXSSUHVVHGLPPXQHV\VWHPVPD\EH
VXVFHSWLEOHWR+HSDWLWLVRU3QHXPRQLD
•
1RIRUPDOWUHDWPHQWLVQHFHVVDU\DQGURVHRODGRHVQRWUHTXLUH
DQWLELRWLFV6RPHWLPHVGRFWRUVZLOOGREORRGRUXULQHWHVWVWRUXOHRXWRWKHU
LQIHFWLRQV,QPRVWFDVHVUHFRYHU\IURPURVHRODLVTXLFNDQGVSRQWDQHRXV
XVXDOO\RFFXUULQJZLWKLQRQHZHHN
•
+RPHWUHDWPHQWLQFOXGHVDGHTXDWHUHVWSOHQW\RIKHDOWK\IOXLGV,WLV
KHDOWK\WRDOORZVRPHGHJUHHRIPLOGIHYHUVWRWDNHSODFHVLQFHWKLVLVWKH
ERG\¶VQDWXUDOZD\RIDFWLYDWLQJLWVGHIHQFHV\VWHP
+($/7+ 5LQJZRUP
<RXFDQDOVRKHOSSUHYHQWWKHVSUHDGRIULQJZRUPE\NHHSLQJDIIHFWHGDUHDVFOHDQ
DQGGU\XVHPLOGVRDSVGLVFRXUDJHVFUDWFKLQJDQGKDYHSHWVFKHFNHGE\YHWVDOWKRXJK
VWXGLHVVKRZWKDWRQO\DERXWRIDOOFDVHVDUHGXHWRFDWVDQGGRJV$YRLGWKHVKDULQJ
RISHUVRQDOLWHPVDQGLISRVVLEOHGLVFDUGDIIHFWHGEUXVKHVLQIDYRXURIQHZRQHV
•
7KHPDLQV\PSWRPVRQWKHVFDOSDUHIODN\GDQGUXIIOLNHVNLQRFFDVLRQDOEDOG
SDWFKHVGXHWREULWWOHKDLUZKLFKFDQEUHDNRIIFORVHWRWKHVFDOSDQGVRPHWLPHVD
SXVILOOHGDUHDFDOOHGDNHULRQFDQRFFXU$VZLWKULQJZRUPRQWKHERG\DIIHFWHGDUHDV
WHQGWREHH[WUHPHO\LWFK\
•
&RQYHQWLRQDOWUHDWPHQWVLQFOXGHDQWLIXQJDOFUHDPVDQGDUHDYDLODEOHRYHUWKH
FRXQWHUDW\RXUSKDUPDF\IRUPLOGFDVHVRIULQJZRUP,QWKHLQIHFWLRQLVZLGHVSUHDG
\RXUGRFWRUPD\SUHVFULEHDQDQWLIXQJDOPHGLFDWLRQ
•
,WLVDGYLVDEOHWROLPLWRUHOLPLQDWHVXJDUVIURPWKHGLHWDVPXFKDVSRVVLEOH
LQFOXGLQJGULHGIUXLWVDVZHOODVDYRLGLQJIRRGVZKLFKHLWKHUFRQWDLQ\HDVWVXFKDV
YHJHPLWHRUPRXOGSURQHIRRGVVXFKDVEUHDGVFDNHVFKHHVHPHORQVDQG
SHDQXWV,QFUHDVLQJ\RXUFKLOG¶VILEUHLVDOVRKHOSIXO$GGLWLRQDOO\JDUOLFILJKWVIXQJXV
DQGERRVWVLPPXQHIXQFWLRQDVGRHVYLWDPLQ&DQGDJRRGPXOWLYLWDPLQVXSSOHPHQW
5LQJZRUP
+($/7+
5LQJZRUPVSRUHVFDQUHPDLQLQWKHHQYLURQPHQWIRU
±\HDUVVRUHLQIHFWLRQPD\RFFXU6SRUHVPD\FROOHFW
LQEDWKVFORWKHVEDVNHWVDQGGUDZHUVDQGFDQEHWUHDWHGE\
GLVLQIHFWLQJVXUIDFHVRUXVLQJDEOHDFKVROXWLRQIRUVHY
HUDOZHHNV
$QDWXUDOPHWKRGFRQVLVWVRIPL[LQJWHDWUHHWK\PHDQG
URVHPDU\RLOV±GURSVSHUEXFNHW&OHDQYDFXXPEDJV
RXWUHJXODUO\DQGSODFHDQ\VXVSHFWHGLWHPVOLNHUXJVLQ
VXQOLJKWDVKLJKWHPSHUDWXUHVNLOOVIXQJXV
+($/7+
&KLFNHQSR[
•
&KLFNHQSR[LVDKLJKO\FRQWDJLRXVWKRXJKUHODWLYHO\PLOGYLUDOLQIHFWLRQ
ZKLFKFRPPRQO\RFFXUVLQFKLOGUHQXQGHUWKHDJHRI7KHRQVHWRIV\PSWRPV
JHQHUDOO\EHJLQVDERXWGD\VDIWHUH[SRVXUHWRWKHLQIHFWLRQ
•
&KLFNHQSR[LVVSUHDGE\DLUERUQHGURSOHWVIURPFRXJKVDQGVQHH]HVIURPRU
GLUHFWFRQWDFWZLWKVRPHRQHZKRLVLQIHFWHG&KLOGUHQUHPDLQFRQWDJLRXVIRU
DERXW±GD\VRUXQWLOWKHVFDEVDQGEOLVWHUVDUHGU\1HZERUQVDQG
WKRVHZLWKUHGXFHGLPPXQLW\DUHPRVWDWULVNRIGHYHORSLQJFRPSOLFDWLRQVIURP
FRQWUDFWLQJFKLFNHQSR[
•
7KHILUVWV\PSWRPVDUHRIWHQDKHDGDFKHDQGIHYHUIROORZHGE\DUHGLWFK\
UDVKRQWKHFKHVW)UHVKFURSVRIEOLVWHU\VRUHVFDQDSSHDUHYHU\±GD\V
ZKLFKZHHSDVWUDZFRORXUHGIOXLGDQGDUHHDVLO\VSUHDG$SSUR[RXWRIHYHU\
FKLOGUHQPD\KDYHFKLFNHQSR[ZLWKRXWVSRWV
•
&KLFNHQSR[PD\DOVRRFFXULQWKHPRXWKZKLFKFDQFDXVHGLVFRPIRUWDQG
DIIHFW\RXUFKLOG¶VZLOOLQJQHVVWRHDW&ROGLFHEORFNVDQGMHOO\FDQKHOSVRRWKH
WKHPRXWKDQGKHOS\RXUFKLOGVWD\K\GUDWHG
+($/7+
&KLFNHQSR[
•
7U\WRPLQLPLVHVFUDWFKLQJDVPXFKDVSRVVLEOHVRDVWRSUHYHQWIXUWKHU
VSUHDGLQJRUWKHGHYHORSPHQWRIVHFRQGDU\EDFWHULDOLQIHFWLRQV6RPHIDPL
OLHVKDYHWKHLUFKLOGZHDUPLWWHQVRUVRFNVRQWKHLUKDQGVWRKHOSWKHPUH
PHPEHUQRWWRVFUDWFK,IWKHLWFKLQJEHFRPHVXQEHDUDEOH\RXUGRFWRUPD\
SUHVFULEHDQDQWLKLVWDPLQH
•
7UHDWPHQWLVPDLQO\V\PSWRPDWLFFRQVLVWLQJRIUHVWJRRGK\GUDWLRQ
FDODPLQHORWLRQRURWKHUQDWXUDODQWLLWFKORWLRQVGDLO\EDWKVZLWKDKDQGIXORI
ELFDUERQDWHRIVRGDDQGSDUDFHWDPROIRUIHYHU2QFH\RXUFKLOGKDVKDG
FKLFNHQSR[WKH\ZLOOKDYHOLIHORQJLPPXQLW\WRLWDOWKRXJKVRPHPD\KDYHD
SURSHQVLW\WRZDUGV6KLQJOHVODWHULQOLIH
•
'LG\RXNQRZ",Q$XVWUDOLDWKHPRVWSUREDEOHWLPHRI\HDUWRFDWFK
FKLFNHQSR[LVDURXQG&KULVWPDV"
+($/7+ ,PSHWLJR
•
,PSHWLJRFRPPRQO\FDOOHGµVFKRROVRUHV¶LVDKLJKO\FRQWDJLRXVVNLQLQIHFWLRQ
FDXVHGE\EDFWHULDVWDSK\ORFRFFXVRUVWUHSWRFRFFXV7KHUDVKEHJLQVDVVPDOOEDFWHULD
ILOOHGEOLVWHUVZKLFKEXUVWDQGWXUQLQWRKRQH\FRORXUHGVFDEV
•
,PSHWLJRLVDFRPPRQO\WUDQVPLWWHGFKLOGKRRGLQIHFWLRQDQGLVQRWDVLJQRISRRUSDU
HQWLQJ
•
,I\RXVXVSHFWLPSHWLJR\RXUFKLOGVKRXOGEHFKHFNHGE\DGRFWRULPPHGLDWHO\
$OWKRXJKLPSHWLJRLVUDUHO\GDQJHURXVLWLVDQH[WUHPHO\WHQDFLRXVFRQGLWLRQWKDWLVPRVW
HIIHFWLYHO\WUHDWHGDQGFRQWUROOHGZLWKWKHXVHRIDQWLELRWLFFUHDPVDQGPHGLFLQH
•
,PSHWLJRRIWHQEHJLQVQHDUWKHPRXWKDQGQRVHEXWHDVLO\VSUHDGVWRRWKHUSDUWVRI
WKHERG\DVWKHFKLOGVFUDWFKHVWKHLWFK\VRUHV,QIHFWLRQRIWHQORGJHVEHQHDWKWKHFKLOG¶V
ILQJHUQDLOVDQGPD\VSUHDGWRGLIIHUHQWDUHDV
•
.HHSQHZERUQVDZD\IURPWKHLQIHFWLRQDVPXFKDVSRVVLEOHDVWKHLULPPDWXUHLP
PXQHV\VWHPVSXWWKHPDWLQFUHDVHGULVNRIFDWFKLQJLPSHWLJR
•
,QJHQHUDO\RXUFKLOGVKRXOGEHDEOHWRUHWXUQWRGD\FDUHRUSUHVFKRROZLWKLQKRXUV
RIWUHDWPHQWHQVXULQJWKDWWKHVRUHVUHPDLQFRPSOHWHO\FRYHUHGXQWLOKHDOHG
+($/7+
%ORFNHG7HDU'XFW
•
7HDUGXFWVDUHQDUURZWXEHVZKLFKGUDLQWHDUVIURPWKHH\HWRWKHQRVH
6RPHWLPHVWKHVHGXFWVPD\EHEORFNHGRIWHQIURPELUWKVRWKDWIOXLGLVXQDEOHWR
GUDLQDZD\
•
7KHPDLQV\PSWRPVDUHD\HOORZ\GLVFKDUJHZKLFKFROOHFWVLQWKHFRUQHURIWKH
H\HDORQJZLWKSHUVLVWHQWZDWHULQJRIWKHH\H
•
,IWKHH\HDSSHDUVWREHFRPHPRUHVHULRXVO\LQIHFWHGVHH\RXUGRFWRU
LPPHGLDWHO\
•
.HHSWKHH\HFOHDQDQGWU\QRWWRZRUU\$SSUR[LPDWHO\LQEDELHVDUH
ERUQZLWKWHDUGXFWEORFNDJHV
+($/7+ •
,PSHWLJR
7KHLQFXEDWLRQSHULRGLVURXJKO\±GD\VZLWKVRUHVUHPDLQLQJLQIHFWLRXVDV
ORQJDVWKH\DUHZHHSLQJ,QJHQHUDOLPSHWLJRFHDVHVWREHLQIHFWLRXVDERXW
KRXUVDIWHUDQWLELRWLFWUHDWPHQWKDVEHJXQ&RQWLQXHPHGLFDOWUHDWPHQWXQWLODOO
VRUHVDUHKHDOHG
•
7UHDWPHQWLQYROYHVPHWLFXORXVK\JLHQHEDWKLQJDQGZLSLQJDZD\WKHFUXVWV
ZLWKGLVSRVDEOHZLSHVDQGVZDEV5HPRYDORIWKHFUXVWVLVH[WUHPHO\LPSRUWDQW
7U\WRSUHYHQW\RXUFKLOGIURPVFUDWFKLQJWKHDIIHFWHGDUHDVFRYHUWKHVRUHVZLWK
ZDWHUWLJKWGUHVVLQJVDQGFXW\RXUFKLOG¶VILQJHUQDLOV:DVK\RXUKDQGVEHIRUHDQG
DIWHUFKDQJLQJGUHVVLQJV
•
:DVK\RXUFKLOG¶VFORWKHVWRZHOVWR\VDQGOLQHQVHSDUDWHO\IURPWKH
UHVWRIWKHIDPLO\
•
$VRRWKLQJQDWXUDOZDVKIRULPSHWLJRFDQEHPDGHE\SODFLQJGURSVRI
7HD7UHHRLODQGGURSVRI/DYHQGHURLOLQWRDERZORIZDUPZDWHU<RXPD\
DOVROLNHWRFRQVXOW\RXUORFDOQDWXURSDWKIRUQDWXUDOUHPHGLHVWRHQKDQFHDQG
SURPRWHQDWXUDOKHDOLQJ
+($/7+
•
•
%ORFNHG7HDU'XFW
2QFH\RXDUHVXUHWKHH\HLVQRWLQIHFWHGLWFDQEHKHOSIXOWRJHQWO\
PDVVDJHWKHVNLQMXVWEHORZWKHLQQHUFRUQHURIWKHH\H
0DNHVXUH\RXUKDQGVDUHZDVKHGEHIRUHDQGDIWHUDQGUHSHDWWKH
PDVVDJHWKUHHWLPHVDGD\XQWLOWKHEDE\¶VH\HEHFRPHVOHVVZDWHU\
7KLVPD\HQDEOHWKHWHDUGXFWWRRSHQZLWKLQDZHHNRUWZR
,IWKHWHDUGXFWUHPDLQVEORFNHG\RXUGRFWRUPD\UHIHU\RXWRD
VSHFLDOLVWZKRFDQFOHDUWKHREVWUXFWLRQXQGHUJHQHUDODQDHV
WKHWLFZLWKWKHXVHRIDWKLQPHWDOSUREH
+($/7+&RQMXQFWLYLWLV
•
&RQMXQFWLYLWLVLVXVXDOO\FDXVHGE\DYLUDOLQIHFWLRQLQROGHUFKLOGUHQRUD
EDFWHULDOLQIHFWLRQIURPWKHELUWKFDQDOLQQHZERUQV,WLVHDVLO\VSUHDGE\
KDQGWRH\HFRQWDFWDQGDOWKRXJKUDUHO\VHULRXVLWLVKLJKO\FRQWDJLRXV
•
$OOHUJLFFRQMXQFWLYLWLVFDQRFFXUDVDUHVXOWRIKD\IHYHURUDOOHUJLHVWRGXVW
DQGSROOHQ,QUDUHFDVHVFRQMXQFWLYLWLVFDQUHVXOWIURPDPRWKHUZLWK
JRQRUUKRHDJHQLWDOKHUSHVRUDFKODP\GLDOLQIHFWLRQ
•
,WLVDGYLVDEOHWRFRQVXOW\RXUGRFWRULI\RXVXVSHFWFRQMXQFWLYLWLV
%DFWHULDOLQIHFWLRQVFDQEHWUHDWHGZLWKDQWLELRWLFFUHDPVRUDQWLLQIODPPDWRU\
H\HGURSVZKHUHDVYLUDOLQIHFWLRQVJHQHUDOO\FOHDUXSZLWKRXWIRUPDO
WUHDWPHQWZLWKLQDZHHN
+($/7+ (\HSUREOHPV²6W\HV
•
$VW\HLVWKHUHVXOWRIDEDFWHULDOLQIHFWLRQZKLFKXVXDOO\DSSHDUVDVDQ
LQIODPHGVZHOOLQJRIWKHORZHUH\HOLG
•
$OWKRXJKVW\HVFDQEHSDVVHGIURPRQHH\HWRWKHRWKHUWKH\DUHQRWWKDWKLJKO\
FRQWDJLRXV
•
6W\HVFDQJHQHUDOO\EHWUHDWHGDWKRPHE\DSSO\LQJDZDUPFORWKWRWKHDUHD
ZKLFKLVHVSHFLDOO\KHOSIXOLIWKHLQIODPPDWLRQLVDFFRPSDQLHGE\SXV:DVK
DZD\DVRIWHQDVQHFHVVDU\:DVKKDQGVEHIRUHDQGDIWHUVRRWKLQJWKHH\H
,IVW\HVWHQGWRUHRFFXULQ\RXUFKLOGVHH\RXUGRFWRUZKRPD\SUHVFULEHDQ
DQWLELRWLFFUHDPRUH\HGURSV
•
.HHS\RXUFKLOG¶VIDFHFORWKDQGWRZHOVHSDUDWHIURPWKHUHVWRIWKHIDPLO\WR
DYRLGVSUHDGLQJLQIHFWLRQ
+($/7+
&RQMXQFWLYLWLV
•
6\PSWRPVFDQLQFOXGHUHGQHVVRIWKHZKLWHRIWKHH\HDQGLQVLGHRIWKH
H\HOLGVZROOHQLWFK\H\HOLGVSHUVLVWHQWWKLFNRUZDWHU\\HOORZGLVFKDUJH
DQGFUXVWVRIGLVFKDUJHWKDWGU\RXWGXULQJVOHHS
•
<RXFDQKHOSE\EDWKLQJWKHH\HDQGH\HODVKHVZLWKFRWWRQZRROVRDNHGLQ
FRROHGERLOHGZDWHU8VHDFOHDQSLHFHIRUHDFKZLSHRIWKHH\HV+DQGV
VKRXOGEHZDVKHGEHIRUHDQGDIWHUWRXFKLQJWKHDIIHFWHGDUHDVDQGZDVK
FORWKVDQGWRZHOVNHSWVHSDUDWHO\IURPWKHUHVWRIWKHIDPLO\
+($/7+(\HSUREOHPV²6W\HV
7UHDWPHQWVIRUVW\HVWKDWJUDQGFDUHUVKDYHXVHGZLWKVXFFHVV±WKHVHPD\MXVWEH³2OG:LYHVWDOHV´
EXWDQXPEHURIJUDQGPRWKHUVVZHDUE\WKHPHVSHFLDOO\WKHJROGWLQJ
&KDPRPLOH(\HZDVK
&KDPRPLOHLVDQDWXUDODQWLLQIODPPDWRU\ZKLFKZLOOHDVHWKHVRUHQHVV0DNHDFXSRISXUHFKDPRPLOHWHDDQG
DOORZLWWRFRRO6RDNVRPHFRWWRQZRROLQWKHOLTXLGDQGDSSO\WRWKHH\HOLGLQDZLSLQJPRWLRQ'RQRWXVHWKHVDPH
DUHDRIWKHFRWWRQZRROPRUHWKDQRQFH$IWHUWKLVSODFHDIUHVKO\VRDNHGFRWWRQEDOORYHUWKHH\HDQGUHVWIRUILYH
PLQXWHV5HSHDWWKUHHWLPHVDGD\XQWLOWKHLQIODPPDWLRQKDVKHDOHG
2OGIDVKLRQHGSRWDWRUHPHG\
6RPHSHRSOHVZHDUE\WKLVROGUHPHG\6FUDSH±WEVSRXWRIDFOHDQO\ZDVKHGSRWDWRSXWLQWRDFOHDQ
KDQGNHUFKLHIDQGSODFHRYHU\RXUFKLOG¶VH\H$IWHUDZKLOHUHPRYHLWDQGZDVKWKHH\HZLWKZDUPZDWHU
,W¶VVDLGWKDWLI\RXFDWFKWKHVRUHH\HHDUO\WKLVZRUNVZRQGHUV
7KHFODVVLFJROGULQJDSSURDFK
7KLVLVDZD\RIGHDOLQJZLWKPLOGVW\HVSDVVHGWKURXJKJHQHUDWLRQV5XEDSXUHJROGULQJRQDWRZHORUVRPHRWKHU
PDWHULDOXQWLOLWEHFRPHVZDUPDQGWKHQUXELWLQDVZHHSLQJGLUHFWLRQEDFNDQGIRUWKDFURVVWKHVW\H
)RUVRPHUHDVRQPDQ\VW\HVWUHDWHGLQWKLVZD\GLVDSSHDUOLNHPDJLF
+($/7+(DU3UREOHPV
•
(DUDFKHLVWKHPDLQV\PSWRPRIPLGGOHHDULQIODPPDWLRQNQRZQDVRWLWLV
PHGLD,WRIWHQDFFRPSDQLHVDFROGDQGLVFRPPRQLQFKLOGUHQXQGHU
WKHDJHRIHLJKW\HDUV,WLVWKHUHVXOWRIDQLQIHFWLRQZKLFKVSUHDGVIURP
WKHQDUURZFDQDOFRQQHFWLQJWKHPLGGOHHDUWRWKHWKURDW7KHLQIHFWLRQ
SURGXFHVIOXLGZKLFKEORFNVWKH(XVWDFKLDQWXEHFDXVLQJSDLQ
•
,WPD\EHQHFHVVDU\WRWDNH\RXUFKLOGWRWKHGRFWRULI\RXDUHFRQFHUQHG
DERXWLWRULIWKHHDUDFKHGRHVQ¶WHDVH6HYHUHRUIUHTXHQWHDUDFKHV
PD\UHTXLUHDQWLELRWLFPHGLFDWLRQ,QJHQHUDOKRZHYHUHDUDFKHUH
VSRQGVZHOOWRKRPHWUHDWPHQWPHWKRGVDQGRIWHQHDVHVRILWVRZQDFFRUG
•
$VN\RXUSKDUPDFLVWRUGRFWRUDERXWHDUGURSVWKHUHDUHKHUEDOGURSV
DYDLODEOHDVZHOO&RPIRUW\RXUFKLOGE\ZUDSSLQJXSDKRWZDWHUERWWOH
DQGSODFLQJRYHUWKHDIIHFWHGHDU/D\\RXUFKLOGZLWKWKHVRUHHDUGRZQ
ZKLFKZLOOKHOSWKHHDUGUDLQRIIOXLG
+($/7+
'LDUUKRHD
•
'LDUUKRHDLVDVLJQRILUULWDWLRQLQWKHLQWHVWLQHVDQGLVFKDUDFWHULVHGE\
ORRVHZDWHU\ERZHOPRYHPHQWVDQGWKHQHHGWRJRWRWKHWRLOHWPRUHRI
WHQ
•
7KHUHDUHQXPHURXVFDXVHVRIGLDUUKRHDVXFKDVIRRGLQWROHUDQFHVRU
SRLVRQLQJSDUDVLWLFLQIHFWLRQVOLNHJLDUGLDVLVDQGSUREOHPVZLWKPHGLFDWLRQVHVS
DQWLELRWLFVEXWWKHPRVWFRPPRQFDXVHLVJHQHUDOO\VRPHIRUPRI
JDVWURHQWHULWLV'LDUUKRHDFDQDOVRRFFXUZKHQQHZIRRGVDUHLQWURGXFHGLQWRWKH
GLHWRULIWRRPXFKIUXLWMXLFHLVFRQVXPHG
•
,WLVDOZD\VLPSRUWDQWWRFORVHO\PRQLWRUHSLVRGHVRIGLDUUKRHDLQED
ELHVDQG\RXQJFKLOGUHQGXHWRWKHSRVVLELOLW\RIGHK\GUDWLRQ
'HK\GUDWLRQFDQEHVHULRXVLQ\RXQJFKLOGUHQHVSEDELHVDQGFDQKDSSHQ
TXLFNO\
•
%DELHVXQGHUVL[PRQWKVZLWKGLDUUKRHDVKRXOGVHHDGRFWRULPPHGL
DWHO\/LNHZLVHLI\RXUEDE\LVXQGHURQH\HDUDQGKDVGLDUUKRHDIRUPRUH
WKDQKRXUVVHHNPHGLFDODGYLFHDVVRRQDVSRVVLEOH
+($/7+
(DU3UREOHPV
,QIODPPDWLRQRIWKHRXWHUHDULVDQRWKHUFRPPRQFKLOGKRRGFRQGLWLRQFDXVHGE\
EDFWHULDGHUPDWLWLVRUDWRSLFHF]HPD:LWKWKLVFRQGLWLRQWKHUHLVDYLVLEOHGLVFKDUJH
HYLGHQWLQWKHRXWHUHDUFDQDO,WFDQEHWHPSWLQJWRFOHDQWKLVDZD\EXWLISRVVLEOH
OHDYHLWIRU\RXUGRFWRUWRH[DPLQH<RXFDQKHOSHDVH\RXUFKLOG¶VGLVFRPIRUWE\XVLQJ
SDUDFHWDPROIRUSDLQDQGDZUDSSHGKRWZDWHUERWWOHDJDLQVWWKHHDU$YRLGJHWWLQJ
WKHHDUZHWXQWLOLWKDVKHDOHG
*OXHHDULVDORQJWHUPFRQGLWLRQZKLFKRFFXUVDVDUHVXOWRIUHFXUUHQWPLGGOH
HDULQIHFWLRQVDQGLVFKDUDFWHULVHGE\WKLFNJOXHOLNHVHFUHWLRQVLQWKHHDU,WPD\
DOVREHDFFRPSDQLHGE\DFROGRUWKURDWLQIHFWLRQ
*OXHHDULVQRWXVXDOO\SDLQIXODQGWKHUHIRUHFDQOLQJHURQXQGHWHFWHGIRUDORQJ
WLPH2IWHQLWFDQDIIHFWKHDULQJWKRXJKDQGWKLVPD\EHZKHQLWILUVWEHFRPHV
DSSDUHQW6RPHWLPHVJOXHHDUFOHDUVRQLWVRZQZKLOHLQVRPHFDVHVDFRXUVHRIDQWL
ELRWLFPHGLFDWLRQLVUHTXLUHG,QORQJWHUPPRUHVHULRXVFDVHVVPDOOYHQWLODWLRQ
WXEHVFDOOHG³JURPPHWV´PD\EHLQVHUWHGLQWR\RXUFKLOG¶VHDUGXULQJDEULHI
RSHUDWLRQ
+($/7+
'LDUUKRHD
2WKHURFFDVLRQVWKDWZDUUDQWLPPHGLDWHPHGLFDODWWHQWLRQDUHLI\RXUFKLOGKDVUHSHDWHGYRPLWLQJ
RUWXPP\SDLQDKLJKIHYHUJUHHQVPHOO\IDHFHVRUFRQWDLQLQJEORRGLIWKH\UHIXVHIRRGRUDUH
XQDEOHWRNHHSWKHLUIOXLGLQWDNHXS:LWKEDELHVFKHFNZKHWKHUWKHLUIRQWDQHOOHVDUHVXQNHQRU
GHSUHVVHGDVWKLVFDQLQGLFDWHGHK\GUDWLRQ2WKHUVLJQVRIGHK\GUDWLRQDUHVPDOODPRXQWVRIGDUN
FRORXUHGXULQHDQGWKLUVW
7KHPRVWLPSRUWDQWWKLQJWRUHPHPEHUDERXWGLDUUKRHDLVWKDWLWLVFULWLFDO\RXUFKLOGVWD\V
GHK\GUDWHG2IIHUSOHQW\RIOLTXLGVVXFKDVZDWHUZLWKVXSHUGLOXWHGDSSOHMXLFH2UDOUHK\GUDWLQJ
IOXLGVVXFKDV*DVWURO\WHPD\EHSXUFKDVHGDW\RXUSKDUPDF\DQGPD\EHPRUHSDODWDEOHLQ
WKHLFHEORFNIRUP
,IGLDUUKRHDLVDFFRPSDQLHGE\QDXVHDRUYRPLWLQJHQFRXUDJH\RXUFKLOGWRWDNHVPDOOEXWIUH
TXHQWVLSVWKURXJKDVWUDZ:LWKERWWOHIHGEDELHV\RXPD\FKRRVHWRRIIHUKDOIVWUHQJWKPLON
IHHGVIRUDVKRUWZKLOHXQWLOWKHUHDUHVLJQVRILPSURYHPHQW
+($/7+
'LDUUKRHD
)RUEDELHVDQGFKLOGUHQRQVROLGIRRGVRIIHUVRIWFRPSOH[FDUERK\GUDWHVVXFK
DVEDQDQDVULFHPDVKHGSRWDWRRUZKROHPHDOWRDVWDQGH[FOXGHRWKHUIRRGVXQWLO
WKHGLDUUKRHDKDVVWRSSHG
0RVWPLOGIRUPVRIGLDUUKRHDFOHDUZLWKLQDFRXSOHRIGD\V7KHV\PSWRPVRI
GLDUUKRHDXVXDOO\FOHDUZKHQWKHORVWIOXLGVDQGVDOWDUHUHSODFHG,IPLOGFDVHVRI
GLDUUKRHDGRQ¶WFOHDUZLWKLQGD\VFRQVXOW\RXUGRFWRU,QVHYHUHFDVHVRIGLDU
UKRHD
,9IOXLGVPD\EHQHFHVVDU\
'LDUUKRHDFDQEHTXLWHLQIHFWLRXVDQGZDUUDQWVVFUXSXORXVK\JLHQH.HHS
FKLOGUHQKRPHIURPFKLOGFDUHXQWLOKRXUVDIWHUWKHODVWERXWRIGLDUUKRHD
3HUVLVWHQWGLDUUKRHDFDQFDXVHUDZVRUHVNLQRQEDE\¶VERWWRPZKLFKPD\EH
VRRWKHGZLWK]LQFSDZSDZRUFDOHQGXODEDOP&KHFNZLWK\RXUSKDUPDFLVWUHJDUG
LQJRYHUWKHFRXQWHUFUHDPV<RXPD\DOVROLNHWRWDONWR\RXUSKDUPDFLVWRUQDWXUR
SDWKDERXWWKHXVHRIDSURELRWLFVXSSOHPHQWZKLFKZLOOKHOSUHVWRUHWKHEHQHILFLDO
EDFWHULDUHTXLUHGIRUJRRGGLJHVWLYHKHDOWK
+($/7+
&RQVWLSDWLRQ
&RQVWLSDWLRQLVZKHQFKLOGUHQKDYHDKDUGSRRERZHOPRYHPHQWWKDWLV
GLIILFXOWRUXQFRPIRUWDEOHWRSDVV,WLVDYHU\FRPPRQUDUHO\VHULRXVSUREOHP
LQ\RXQJFKLOGUHQHVSHFLDOO\DURXQGWKHWLPHRIWRLOHWWUDLQLQJ,QJHQHUDOEUHDVWIHG
EDELHVPD\RIWHQJRGD\VZLWKRXWDERZHOPRYHPHQWRUFRQYHUVHO\WKH\
PD\JRDIWHUHYHU\IHHGZKHUHDVERWWOHIHGEDELHVPD\JRRQFHHYHU\±GD\V
DWWLPHV,I\RXUFKLOGRQO\KDVDSRRRQFHRUWZLFHDZHHNKRZHYHUWKHUHLVXVXDOO\
QRFDXVHIRUFRQFHUQXQOHVVWKH\VKRZGLVFRPIRUWRULIWKHLUSRRVDSSHDUWRRKDUG
7KHUHDUHVHYHUDOWKLQJVWKDWPD\FDXVH\RXUFKLOGWREHFRPHFRQVWLSDWHG
2IWHQ\RXQJFKLOGUHQLJQRUHWKHXUJHWRSRREHFDXVHWKH\DUHWRREXV\RUKDYHKDG
DSDLQIXOERZHOPRYHPHQWSUHYLRXVO\DQGFDQµKDQJRQWRRORQJ¶FDXVLQJWKHSRRWR
KDUGHQDQGWKXVEHFRPHPRUHXQFRPIRUWDEOH6RPHWLPHVLWFDQRFFXUGXHWRD
FKDQJHLQHQYLURQPHQWVXFKDVDWSUHVFKRROZKHUHWKH\PD\ILQGWKHUHLVQ¶W
HQRXJKSULYDF\RUWKHULJKWDWPRVSKHUH2IWHQFRQVWLSDWLRQFDQRFFXUZKHQDFKLOG
GRHVQ¶WGULQNHQRXJKVXFKDVRQKRWGD\VRUZKHQWKH\KDYHDQLOOQHVVDQGIHYHU
ZKLFKFDXVHVWKHPWRHDWGULQNOHVVDQGEHFRPHGHK\GUDWHG
+($/7+&RQVWLSDWLRQ
•
<RXPD\QRWLFH\RXUFKLOGLVFRQVWLSDWHGLI\RXUEDE\¶VSRRVDUHOLNHVPDOO
GU\SHOOHWV\RXUFKLOGFRPSODLQVRIWXPP\SDLQVDURXQGWKHEHOO\EXWWRQDQGKDV
DSRRUDSSHWLWHDQGFUDQNLQHVV\RXUFKLOGDYRLGVXVLQJWKHSRWW\RUWRLOHWRU
VWDUWVWRVRLOKHUSDQWV6RPHLQIDQWVZKRGULQNVHYHUDOERWWOHVRIFRZ¶VPLOND
GD\PD\H[SHULHQFHFRQVWLSDWLRQ
•
<RXFDQKHOS\RXUFKLOGDYRLGFRQVWLSDWLRQE\HVWDEOLVKLQJDUHJXODUWRLOHW
WLPHVRWKDWWKH\GHYHORSJRRGERZHOKDELWV5HPDLQDVFDOPDQGIOH[LEOHDERXW
WKLVDV\RXFDQVRWKDW\RXUFKLOGGRHVQ¶WIHHOSUHVVXUHGDQGVHWDVLGHVRPH
TXLHWXQGLVWXUEHGWRLOHWWLPHHDFKGD\$LPIRUFRQVLVWHQF\VXFKDVHQFRXUDJLQJ
\RXUFKLOGWRJRWRWKHWRLOHWDIWHUPHDOV7U\DQGKHOS\RXUFKLOGUHQWXQHLQWR
WKHLUXUJHVWRSRR3UDLVHWKHLUHIIRUWVZLWKSRVLWLYHIHHGEDFNVPDOOWUHDWVRUVWDU
FKDUWV
•
%DELHVRYHUVL[PRQWKVFDQKDYHVWUDLQHGVWHZHGSUXQHVDSULFRWVRUNLZLIUXLW
±DOORIZKLFKKDYHDJHQWOHQDWXUDOOD[DWLYHDFWLRQ3UXQHMXLFHFDQEHIUR]HQ
LQWRLF\SROHVRUJLYHQDVDGULQNZLWKRQHSDUWMXLFHWRWKUHHSDUWVZDWHU
+($/7+&RQVWLSDWLRQ
•
'LHWVZKLFKDUHORZLQILEUHDQGIOXLGVDUHDFRPPRQFDXVHRIFRQVWLSD
WLRQ$YRLGUHILQHGIRRGVVXFKDVZKLWHEUHDGVXJDUVHWFDQGIULHGIRRGV
,QVWHDGHQVXUH\RXUFKLOG¶VGLHWFRQWDLQVSOHQW\RIHQHUJ\SURGXFLQJDQGILEUH
ULFKIRRGVZKLFKPD\LQFOXGHDWOHDVWIUXLWVSGD\LQFOVNLQVLIDSSURSULDWH
IRULQFUHDVHGILEUHDWOHDVWYHJHWDEOHVSGD\DQGSOHQW\RIOHJXPHVDQG
SXOVHVVXFKDVEDNHGEHDQVOHQWLOVRXSSHDKDPVRXSOHQWLOEXUJHUV
EXUULWRV8VHOHVVSURFHVVHGFHUHDOVVXFKDVVKUHGGHGZKHDWDQGRDWVDQG
IDYRXUZKROHPHDORUU\HEUHDGVZKHUHYHUSRVVLEOH,QFUHDVH\RXUFKLOG¶VIOXLG
LQWDNHDQGJHWWKHPWRWDNHVLSVDVIUHTXHQWO\DV\RXFDQ
•
%UDQLVQRWUHFRPPHQGHGIRULQIDQWVDQGWRGGOHUVDVLWLVWRRDEUDVLYHIRU
VPDOOGLJHVWLYHV\VWHPVDQGPD\LQWHUIHUHZLWKWKHDEVRUSWLRQRIPLQHUDOV
VXFKDVLURQDQG]LQF1HYHUXVHOD[DWLYHVIRU\RXQJFKLOGUHQXQOHVVDGYLVHGE\
\RXUGRFWRU
•
%DELHVZLWKFRQVWLSDWLRQPD\EHQHILWIURPDFORFNZLVHWXPP\PDV
VDJHDQGSOHQW\RIVRRWKLQJZDUPEDWKV
+($/7+7KUHDGZRUPV
•
7KUHDGZRUPVRUSLQZRUPVDUHH[WUHPHO\FRPPRQLQ$XVWUDOLDDQGDUH
KLJKO\FRQWDJLRXV7KH\DUHSULPDULO\WUDQVPLWWHGE\DQGVKDUHGEHWZHHQFKLOGUHQ
±E\VXFNLQJRQFRQWDPLQDWHGREMHFWVRUIRRG±EXWFDQDOVRVSUHDGWRDGXOWV7KH\
FDQQRWEHFDXJKWIURPKRXVHKROGSHWV
•
$IWHUWKHPLFURVFRSLFHJJVKDYHEHHQLQJHVWHGWKH\KDWFKLQWKHLQWHVWLQHDQGPD
WXUHLQWRDGXOWVLQ±GD\V2QFHPDWXUHWKHIHPDOHWKUHDGZRUPVFRPHRXWDW
QLJKWDQGOD\DVPDQ\DVHJJVDURXQGWKHDQXV7KH\OLYHLQODUJHQXPEHUVLQ
WKHORZHUERZHO
•
7KUHDGZRUPVDUHHVVHQWLDOO\KDUPOHVVEXWFDQFDXVHXQSOHDVDQWV\PSWRPVDQG
GLVFRPIRUW7KHPDLQV\PSWRPVLQFOXGHLQWHQVHLUULWDWLRQDQDOLQIODPPDWLRQDQG
LWFKLQHVVDURXQGWKHERWWRPZKLFKFDQDIIHFWWKHFKLOG¶VVOHHSDVWKHZRUPVDUH
DFWLYHDWQLJKWDQGDQLWFK\YXOYDDQGGLVFKDUJHLQJLUOV$WWLPHVWKHVPDOOZKLWH
ZRUPVUHVHPEOLQJWLQ\WKUHDGVRIFRWWRQFDQEHVHHQZULJJOLQJLQWKHFKLOG¶VIDHFHV
7KHUHPD\DOVREHSDLQZKHQXULQDWLQJDQGDJHQHUDOORVVRIDSSHWLWHRUDIHHOLQJRI
µEHLQJRXWRIVRUWV¶:RUPVGRQRWXVXDOO\FDXVHWXPP\SDLQV
+($/7+7KUHDGZRUPV
•
$VWLFN\WDSHWHVWPD\FRQILUPZKHWKHU\RXUFKLOGKDVZRUPV$SSO\D
VPDOOSLHFHRIVWLFN\WDSHWR\RXUFKLOG¶VDQXVILUVWWKLQJLQWKHPRUQLQJEHIRUH
WKH\ZDVKRUJRWRWKHWRLOHW7KHSUHVHQFHDQGW\SHRIZRUPFDQWKHQEHFRQ
ILUPHGE\\RXUGRFWRUZKRZLOODGYLVH\RXDERXWWUHDWPHQWRSWLRQV
•
7KHWUHDWPHQWIRUWKUHDGZRUPVLVVDIHHIIHFWLYHDQGH[WUHPHO\QHFHV
VDU\DVZRUPVZLOOQRWJRDZD\RQWKHLURZQ7KHUHDUHDQXPEHURIRYHUWKH
FRXQWHUSKDUPDFHXWLFDODQWLZRUPPHGLFDWLRQVDYDLODEOHLQ$XVWUDOLDVXFKDV
&RPEDQWULPDQG9HUPR[DVZHOODVSUHVFULSWLRQPHGLFDWLRQV
•
$VLQJOHGRVHWDNHVGD\VWRNLOODOOWKHZRUPVLQWKHJXWDQGLVXVXDOO\UH
SHDWHGWZRZHHNVODWHU&RQVXOW\RXUSKDUPDFLVWRUGRFWRUIRUVSHFLILFWUHDW
PHQWSURWRFROV
•
5HLQIHFWLRQLVHDV\DVWKHHJJVFDQORGJHXQGHUDFKLOG¶VILQJHUQDLOVDQG
VSUHDGE\IXUWKHULWFKLQJ
+($/7+7KUHDGZRUPV
7KHPRVWHIIHFWLYHZD\VWRSUHYHQWSDUDVLWLFUHLQIHFWLRQDUH
*RRGSHUVRQDOK\JLHQHEDWKLQJGDLO\ZDVKLQJKDQGVEHIRUHPHDOVDQGDIWHUWRLOHWLQJ
DQGFOLSSLQJFKLOGUHQ¶VQDLOVVKRUWFKDQJHEHGOLQHQDQGWRZHOVUHJXODUO\GLVLQIHFWWKH
WRLOHWVHDWIRUDZHHNDIWHUWUHDWPHQWDQGHQVXUHFKLOGUHQZHDUXQGHUSDQWVDQG
S\MDPDVWREHG7KHHJJVFDQOLYHRQFORWKLQJDQGEHGOLQHQVRZDVKWKHVHLWHPV
KLJKWHPSHUDWXUHVWRSUHYHQWUHLQIHFWLRQ
•
7KHLWFKLQJDQGLUULWDWLRQPD\FRQWLQXHHYHQDIWHUWKHLQIHVWDWLRQKDVEHHQ
WUHDWHG=LQFRUPLOGDQWLVHSWLFFUHDPVPD\KHOSWRHDVHWKLV&DOHQGXODEDOPPD\
DOVREHXVHGIRULWVVRRWKLQJDQGDQWLLQIODPPDWRU\SURSHUWLHV±DQGPD\EHDYDLODEOH
IURP\RXUORFDOQDWXURSDWKRUSKDUPDFLVW
•
+($/7+ *LDUGLDVLV
•
*LDUGLDVLVLVDQLQIHFWLRQRIWKHORZHULQWHVWLQHFDXVHGE\DSURWR]RDQRUJDQLVP
PRVWXVXDOO\*LDUGLD/DPEOLDSUHVHQWLQFRQWDPLQDWHGZDWHURUIRRG,WLVIRXQG
WKURXJKRXWWKHZRUOGLQERWKWURSLFDODQGWHPSHUDWHFOLPDWHVDQGRYHUWKHSDVW
\HDUVKDVEHFRPHWKHPRVWFRPPRQLQIHFWLRQWUDQVPLWWHGYLDZDWHULQWKHZRUOG
•
*LDUGLDVLVFDQDIIHFWDQ\RQHEXWLVPRVWFRPPRQO\IRXQGLQWRGGOHUVDQG
SUHVFKRROHUV7KRVHZKRDUHQRW\HWWRLOHWWUDLQHGDQGZKRDUHDURXQGRWKHULQIDQWV
HVSLQFKLOGFDUHVHWWLQJVDUHPRVWDWULVNRIFDWFKLQJDQGSDVVLQJWKHLQIHFWLRQ
,WLVVSUHDGE\FRQWDFWZLWKWKHIDHFHVRILQIHFWHGSHRSOHDQGFRQWDPLQDWHGREMHFWV
•
6\PSWRPVRFFXU±GD\VDIWHUH[SRVXUHWRWKHSDUDVLWHDQGDOWKRXJK
WZRWKLUGVRIDOOFKLOGUHQGRQRWH[SHULHQFHDQ\V\PSWRPVDWDOOWKH\FDQVWLOOFDUU\
DQGSDVVWKHFRQGLWLRQWRRWKHUV
•
6\PSWRPVPD\LQFOXGHVWRPDFKFUDPSVDQGSDLQVHYHUHGLDUUKRHDDFFRPSDQLHG
E\ZLQGSDOHXQSOHDVDQWVPHOOLQJSRRVZKLFKIORDWQDXVHDDQGYRPLWLQJVZROOHQ
DEGRPHQIUHTXHQWEXUSLQJDQGDORVVRIDSSHWLWH
+($/7+
*LDUGLDVLV
•
$OWKRXJKPRVWFDVHVRIJLDUGLDVLVDUHPLOGDQGRIWHQVHWWOHZLWKRXWWUHDWPHQWLWFDQ
EHDSHUVLVWHQWFRQGLWLRQDQGLIOHIWXQWUHDWHGPD\FDXVHWKHVXIIHUHUWRUHPDLQLQIHF
WLRXVIRUPDQ\ZHHNV7KHSDUDVLWHVFOLQJLQODUJHQXPEHUVWRWKHOLQLQJRIWKHVPDOOLQ
WHVWLQHLQWHUIHULQJZLWKWKHDEVRUSWLRQRIWKHQXWULHQWVLQIRRGFDXVLQJFRQWLQXHGGLV
FRPIRUW
•
,I\RXUFKLOGH[SHULHQFHVGLDUUKRHDIRUPRUHWKDQWZRZHHNVRULQDVHYHUHIRUP
IRURYHUKRXUVLWLVDGYLVDEOHWRVHHDGRFWRUZKRPD\WDNHDVDPSOHDQGWHVWIRU
JLDUGLDVLV7KHSUHVHQFHRIJLDUGLDVLVPD\QRWVKRZXSXQWLODWOHDVWWKUHHVDPSOHVKDYH
EHHQFROOHFWHG,QRIFDVHVWKHILUVWWHVWIRUWKHLQIHFWLRQFRPHVEDFNQHJDWLYH$Q
DQWLSDUDVLWLFPHGLFDWLRQPD\EHQHFHVVDU\RU\RXPD\SUHIHUWRFRQVXOWDQDWXURSDWK
DQGWU\DQDJHDSSURSULDWHKHUEDOWLQFWXUH
•
,WLVHVVHQWLDOWKDW\RXUFKLOGVWD\VDGHTXDWHO\K\GUDWHGWRSUHYHQWWKHORVVRI
IOXLGVFDXVHGE\GLDUUKRHD2UDOUHK\GUDWLQJIOXLGVVXFKDV*DVWURO\WHFDQEHXVHG
DQGPD\EHPRUHSDODWDEOHIRU\RXQJFKLOGUHQLQDQLFHEORFNIRUP$OWHUQDWHO\RIIHUIUH
TXHQWVLSVRIXQVZHHWHQHGGLOXWHGIUXLWMXLFHVDQGZDWHU$SSOHMXLFHLVLGHDOHVSHFLDOO\LI
IUHVKO\MXLFHGRURUJDQLF
+($/7+
*LDUGLDVLV
•
&KLOGUHQZLWKGLDUUKRHDVKRXOGEHNHSWDZD\IURPFKLOGFDUHXQWLODWOHDVWKRXUV
DIWHUWKHGLDUUKRHDKDVVWRSSHG,ISRVVLEOHNHHSFKLOGUHQLQQDSSLHVVHSDUDWHIURPWKRVH
ZKRDUHWRLOHWWUDLQHGWROHVVHQWKHOLNHOLKRRGRIWKHVSUHDGRILQIHFWLRQ$OVRDYRLG
VZLPPLQJIRUZHHNVDVJLDUGLDVLVFDQSHUVLVWDQGSDVVHDVLO\LQWRWKH
ZDWHU
•
<RXFDQKHOSSUHYHQWUHLQIHFWLRQRULQLWLDOLQIHFWLRQE\VFUXSXORXVKDQGZDVKLQJEHIRUH
PHDOVDIWHUWRLOHWLQJDQGPHDOSUHSDUDWLRQ$YRLGGULQNLQJZDWHUIURPULYHUVODNHVDQG
FUHHNV,IXQVDIHZDWHULVVXVSHFWHGERLOZDWHUIRURQHPLQXWHDQGFRROEHIRUHGULQNLQJRU
ZDVKLQJIUXLW8VHVHSDUDWHWRZHOVOLQHQDQGHDWLQJXWHQVLOVIRUHDFKIDPLO\PHPEHU
•
+HUEDOZRUPZRRGWHDLVUHSRUWHGDVEHLQJHVSHFLDOO\HIIHFWLYHDJDLQVWJLDUGLDVLV
+($/7+
&ROGV
•
7KHFROGLVRQHRIWKHPRVWFRPPRQLQIHFWLRQVRIWKHQRVHDQGWKURDWDQGFDQ
EHFDXVHGE\PRUHWKDQGLIIHUHQWYLUXVHV'XHWRWKHVKHHUQXPEHURIYL
UXVHVLWLVLPSRVVLEOHWRLPPXQLVHDJDLQVWWKHFROGDQGVLQFHLWLVDYLUXVLWGRHVQRW
UHVSRQGWRDQWLELRWLFV
•
&ROGVDUHSDVVHGEHWZHHQSHRSOHHLWKHUE\EUHDWKLQJLQDLUERUQHGURSOHWVIURPFRXJKV
DQGVQHH]HVEXWDUHPRVWFRPPRQO\VSUHDGE\SLFNLQJXSJHUPVRQWKHKDQGVZKLFK
WUDQVIHUWKHLQIHFWLRQWRWKHQRVHDQGPRXWK7KHPRVWFRQWDJLRXVSHULRGLV±GD\V
DIWHUDFROGVWDUWV
•
,WLVHVWLPDWHGWKDWEDELHVFDQKDYHEHWZHHQFROGVSHU\HDUGHSHQGLQJ
RQWKHLUH[SRVXUHWRWKHPZKLOHSUHVFKRROHUVFDQDYHUDJHSHU\HDUZLWK
WKHKLJKHVWQXPEHURIWKHVHRFFXUULQJLQWKHLUILUVWWZR\HDUVRIFKLOGFDUH<RXQJ
FKLOGUHQPD\VXIIHUIURPUHSHDWHGHSLVRGHVXQWLOWKH\DUHDEOHWRGHYHORSDVWURQJ
HQRXJKLPPXQLW\$VFKLOGUHQDJHWKHLULPPXQHV\VWHPVPDWXUHDQGWKH\EHJLQWR
GHYHORSPRUHUHVLVWDQFHWRFROGVDQGRWKHUYLUXVHV
+($/7+
•
&ROGV
0RVWSHRSOHDUHDOOWRRIDPLOLDUZLWKWKHV\PSWRPVWKDWKHUDOGWKHRQVHWRIDFROG
DQGJHQHUDOO\VXIIHUIURPDUXQQ\QRVHVQHH]LQJDQGQDVDOFRQJHVWLRQDFRXJKDVRUH
WKURDWKHDGDFKHVDQGERG\DFKHVDQGFKLOOVIURPIHYHUV&RQJHVWLRQFDQEHSUREOHPDWLFIRU
LQIDQWVDQG\RXQJFKLOGUHQPDNLQJLWKDUGHUIRUWKHPWRIHHGDQGVOHHSDQGPD\UHTXLUH
WKHXVHRIVDOLQHVSUD\VWRKHOSORRVHQWKHPXFXV
•
&ROGVFDQVRPHWLPHVEHFRPSOLFDWHGE\WKHFRRFFXUUHQFHRIRWKHUFRQGLWLRQV
VXFKDVODU\QJLWLVEURQFKLWLVEDFWHULDOLQIHFWLRQRIFKHVWDQGLQIODPPDWLRQRIWKH
VLQXVHVVLQXVLWLV0RUHVHULRXVFRQGLWLRQVPD\LQFOXGHWKHIROORZLQJV\PSWRPV
DQGUHTXLUHLPPHGLDWHPHGLFDODWWHQWLRQSHUVLVWHQWFRXJKVZKLFKODVWIRUDFRXSOH
RIZHHNVIHYHUVWKDWODVWPRUHWKDQGD\VH[FHVVLYHLUULWDELOLW\RUWLUHGQHVVODERXUHG
EUHDWKLQJDQGDGHFUHDVHLQZHWQDSSLHVWRRQO\RURYHUDKRXUSHULRG
•
&ROGVDUHLPSRVVLEOHWRSUHYHQWDQGWKHWUHDWPHQWIRUDFROGLVPDLQO\V\PSWRPDWLF
+($/7+
&ROGV
•
7KHUHDUHVHYHUDOWKLQJVWKDWZRQ¶WKHOSDFROGDVZHOODVWKLQJVWKDWPD\EH
EHWWHUWRDYRLG&RXJKPHGLFLQHVDUHLQFUHDVLQJO\UHJDUGHGDVLQHIIHFWXDOZLWKOLWWOH
HYLGHQFHWRVXSSRUWWKDWWKH\ZRUN7KHVDPHJRHVIRUGHFRQJHVWDQWVVXFKDV
'HPD]LQ5RELWXVVLQDQG6XGDIHGZKLFKFDQFDXVHHLWKHULQVRPQLDRUK\SHUVRPQLDLQ
FKLOGUHQUHVWOHVVQHVVDQGH[FLWDELOLW\$VSLULQLVQRWVXLWDEOHIRUFKLOGUHQXQGHUWKHDJH
RI\HDUVGXHWRWKHULVNRIGHYHORSLQJ5H\H¶VV\QGURPHEUDLQGDPDJH
•
7KHUHDUHDQXPEHURIZD\VWKDW\RXFDQVXSSRUWDQLQIDQWRUDFKLOGZLWKD
FROG&ROGVDUHVSUHDGHDVLO\VRSD\H[WUDDWWHQWLRQWRKDQGZDVKLQJ±SDUWLFXODUO\DIWHU
ZLSLQJEDE\¶VDQGFKLOGUHQ¶VQRVHV.HHSDVPDOOELQRUSODVWLFEDJQH[WWRDFKLOGZKR¶V
EORZLQJKLVQRVHDORWWRSUHYHQWLQIHFWLRXVWLVVXHVIURPEHLQJOHIWO\LQJDURXQGDQG
DYRLGXVLQJKDQNLHV5HPLQGFKLOGUHQWRFRYHUWKHLUQRVHVDQGPRXWKZKHQFRXJKLQJ
DQGVQHH]LQJDQGWRZDVKWKHLUKDQGVDIWHUZDUGVZKHQHYHUSRVVLEOHVRWKDWLWEHFRPHV
VHFRQGQDWXUHWRWKHP.HHSFKLOGUHQKRPHIURPFKLOGFDUHWRSUHYHQWWKHVSUHDGRI
LQIHFWLRQDQGNHHSSHRSOHZLWKFROGVIURPEHLQJLQFORVHFRQWDFWZLWK\RXUEDE\
+($/7+
)HYHU
•
$QRUPDOWHPSHUDWXUHUDQJHLVEHWZHHQƒ&DQGƒ&$WHPSHUDWXUHWKDW
VWD\VDURXQGƒ&RUPRUHIRUORQJHUWKDQKRXUVLVFRQVLGHUHGWREHDIHYHU
•
:KHQ\RXUFKLOGKDVDUDLVHGWHPSHUDWXUHNHHSLQPLQGWKDWWKHIHYHULWVHOILVQRWWKH
SUREOHPEXWDVLJQRILOOQHVV)HYHULVPRVWFRPPRQO\DQLPPXQHUHVSRQVHWRHLWKHUD
YLUDORUEDFWHULDOLQIHFWLRQDQGLVWKHERG\¶VQDWXUDOZD\RIWU\LQJWRILJKWWKHLOOQHVV+LJK
WHPSHUDWXUHVPDNHWKHERG\OHVVKDELWDEOHWRYLUXVHVDQGEDFWHULD2WKHUFDXVHVRIIHYHU
DUHUHODWLYHO\XQFRPPRQEXWLILQGRXEWVHHNPHGLFDODGYLFH
•
,WLVLPSRUWDQWWRVHHNPHGLFDODWWHQWLRQLI\RXUFKLOG¶VIHYHULVDFFRPSDQLHGE\
DQ\RIWKHIROORZLQJDUDVKH[FHVVLYHOHWKDUJ\KLJKSLWFKHGFU\LQJSDLQDILW
FRQVLVWHQWYRPLWLQJDVZROOHQRUGHSUHVVHGIRQWDQHOOHWKHVRIWVSRWRQDEDE\¶VKHDGDQG
LI\RXUFKLOGFRPSODLQVRIDVWLIIQHFNRUVHQVLWLYLW\WROLJKW,QIDQWVOHVVWKDQPRQWKVZLWK
UDLVHGWHPSHUDWXUHVDUHEHVWFKHFNHGE\DGRFWRUDORQJZLWKDQ\FKLOGZKRKDVDIHYHURI
PRUHWKDQƒ&,QJHQHUDOKRZHYHUDIHYHULVQRWFRQVLGHUHGKDUPIXOXQOHVVLWUHDFKHV
ƒ&
+($/7+
&ROGV
•
7KHUHDUHDOVRSOHQW\RIQDWXUDOZD\VRIPDQDJLQJFROGVDQGIOX¶VLQ\RXQJ
FKLOGUHQ7KHPRVWLPSRUWDQWWKLQJLVWRNHHS\RXUFKLOGZHOOK\GUDWHG2IIHU
WKHPSOHQW\RIQRQVXJDU\GULQNVIUHVKO\VTXHH]HGMXLFHVDQGKHUEDOWHDVZKLFK
KHOSFOHDQVHWKHERG\RIWR[LQVDQGWKLQWKHPXFXV)UHVKMXLFHVDUHSRZHUIXO
LPPXQHERRVWHUVDQGVRWDVW\WKDWNLGVORYHWKHP7U\FDUURWDQGDSSOHMXLFH
ZKLFKLVULFKLQQDWXUDOYLWDPLQ&RUPHORQDQGUDVSEHUU\MXLFHZKLFKFOHDQVHVDQG
GHWR[LILHVWKHGLJHVWLYHV\VWHPDQGLVDFRROLQJUHPHG\IRUIHYHUV(QVXUH\RXU
FKLOG¶VGLHWLQFOXGHVSOHQW\RIIUHVKIUXLWVDQGYHJJLHVDQGZDUPVRXSV$YRLGIRRGV
ZLWKVXJDUDVWKH\FDQVXSSUHVVLPPXQHIXQFWLRQDQGPXFXVIRUPLQJIRRGVVXFK
DVPLONFKHHVH\RJKXUWHWF
•
7KHUHLVQRUHDOSURRIDERXWWKHHIILFDF\RIYLWDPLQ&DOWKRXJKVRPHVWXGLHV
VXJJHVWWKDWLWPD\VKRUWHQWKHWLPHIUDPHRIFROGVHVSHFLDOO\LIJLYHQLQWKHHDUO\
VWDJHV9LWDPLQ&SRZGHUFDQEHPL[HGZLWKIUXLWMXLFHRUJLYHQLQGURSIRUPWR
LQIDQWVXQGHURQH\HDU=LQFRU(FKLQDFHDOR]HQJHVPD\KHOSVRRWKHVRUHWKURDWV
EXWDUHQRWDSSURSULDWHIRUFKLOGUHQXQGHUWKHDJHRIGXHWRWKHULVNRIFKRNLQJ
+($/7+
)HYHU
•
,QVRPHLQVWDQFHVDUDSLGULVHLQDFKLOG¶VWHPSHUDWXUHFDQFDXVHDFKLOGWRKDYH
DILWDQGLVNQRZQDVDIHEULOHFRQYXOVLRQ7KHVHW\SHVRIILWVDUHUHODWLYHO\
XQFRPPRQDQGQRWXVXDOO\GDQJHURXVEXWWKH\GRZDUUDQWPHGLFDODWWHQWLRQ
3OHDVHUHIHUWRWKHFDUGRQIHEULOHFRQYXOVLRQVIRUPRUHGHWDLOV
•
$Q\EDE\XQGHUWKUHHPRQWKVZKRGHYHORSVDIHYHUVKRXOGEHVHHQE\DGRFWRU
•
<RXVKRXOGWDNH\RXUFKLOG¶VWHPSHUDWXUHLIWKH\VHHPH[FHVVLYHO\KRWLUULWDEOH
XQZHOORULQSDLQLIWKH\DUHYRPLWLQJRUUHIXVLQJWRGULQNRULIWKH\FU\LQFRQVRODEO\
'LJLWDOWKHUPRPHWHUVDUHWKHPRVWXVHUIULHQGO\DQGVXLWDOODJHV2OGVW\OHPHUFXU\
WKHUPRPHWHUVVKRXOGQHYHUEHSODFHGLQDFKLOG¶VPRXWKDVWKH\FDQEHSRLVRQRXVLIWKH\
EUHDN3ODVWLFVWULSWKHUPRPHWHUVZKLFKDUHSODFHGRQWKHIRUHKHDGDUHQRW
UHFRPPHQGHGDVWKH\DUHFRQVLGHUHGXQUHOLDEOH
•
:KHQDVVHVVLQJDFKLOGZLWKDUDLVHGWHPSHUDWXUHREVHUYHKLPIRURWKHUVLJQVDQG
V\PSWRPVRILOOQHVV&KLOGUHQ¶VWHPSHUDWXUHVFDQYDU\DFFRUGLQJWRWKHOHYHORIDFWLYLW\
WKH\HQJDJHLQDQGFDQEHORZHULQWKHPRUQLQJDQGKLJKHULQWKHHYHQLQJ
+($/7+
)HYHU
•
0RVWIHYHUVXQGHUƒ&FDQEHPDQDJHGVDIHO\DQGHIIHFWLYHO\DWKRPH7KHPDLQ
SULRULW\ZLWKDQ\IHYHULVWRHQVXUHWKDW\RXUFKLOGLVGULQNLQJHQRXJKIOXLGV
DQGGRHVQRWEHFRPHGHK\GUDWHG$SRRUDSSHWLWHGXULQJDIHYHULVQRUPDODQG
QRWKLQJWRZRUU\DERXWEXWVRXSVDQGEURWKVPD\EHSDODWDEOHDQGZLOOKHOSUHSODFH
ORVWIOXLGV(QFRXUDJHFKLOGUHQWRWDNHVPDOOIUHTXHQWVLSVRIZDWHURUGLOXWHGIUXLW
MXLFHHYHQZKHQWKH\GRQRWVHHPWKLUVW\'ULQNLQJWKURXJKDVWUDZPD\SHUVXDGH
\RXQJHUFKLOGUHQWRGULQNPRUH7KHUHDUHDOVRDUDQJHRIRUDOUHK\GUDWLQJVROXWLRQV
VXFKDV*DVWURO\WHDYDLODEOHDWSKDUPDFLHVZKLFKDOVRFRPHLQLFHEORFNIRUP
•
7KHUHLVQRUHDODGYDQWDJHWRORZHULQJDIHYHURWKHUWKDQWRUHOLHYH\RXU
FKLOG¶VGLVFRPIRUW,IWKHIHYHULVPLOGDQG\RXUFKLOGVHHPVFRPIRUWDEOH\RXPD\
FKRRVHWROHWWKHIHYHUWDNHLWVFRXUVHDOWHUQDWLYHO\SDUDFHWDPRORULEXSURIHQFDQEH
JLYHQWR\RXUFKLOGLIVKHVHHPVPLVHUDEOHDQGXQZHOO$VSLULQVKRXOGQHYHUEHJLYHQ
WRFKLOGUHQXQGHU\HDUVDVLWFDQEHGDQJHURXV&RROVSRQJLQJLVQRWUHFRP
PHQGHGDVLWFDQFDXVHVKLYHULQJDQGHOHYDWHWKHWHPSHUDWXUHPRUH,QVWHDGGUHVV
\RXUFKLOGLQFRROOLJKWFORWKLQJDQGRIIHUIUHTXHQWGULQNV
+($/7+
0HQLQJRFRFFDO'LVHDVH
•
0HQLQJRFRFFDOGLVHDVHLVDQDFXWHEDFWHULDOLQIHFWLRQZKLFKFDQFDXVHDQXPEHURI
VHULRXVOLIHWKUHDWHQLQJLOOQHVVHVVXFKDVPHQLQJLWLVDQGVHSWLFDHPLD0HQLQJRFRFFDO
GLVHDVHFDQEHJLQVXGGHQO\DQGPD\OHDGWRSHUPDQHQWGLVDELOLW\RUGHDWKLIQRWDWWHQGHGWRLP
PHGLDWHO\
•
7KHVHLQIHFWLRQVDUHH[WUHPHO\VHULRXVDQGPXVWEHWUHDWHGDVPHGLFDOHPHUJHQFLHV,I
\RXVXVSHFWWKDWDFKLOGLQ\RXUFDUHLVH[KLELWLQJDQ\VLJQVRIPHQLQJRFRFFDOFDOO
DQGUHTXHVWLPPHGLDWHPHGLFDODVVLVWDQFHRUJRWR\RXUQHDUHVWHPHUJHQF\GHSDUW
PHQWVWDWLQJWKDW\RXEHOLHYH\RXUFKLOGPD\KDYHDPHQLQJRFRFFDOLQIHFWLRQ
•
7KHVLJQVDQGV\PSWRPVRIPHQLQJRFRFFDOGLVHDVHVVXFKDVPHQLQJLWLVDQG
VHSWLFDHPLDPD\LQFOXGHDJHQHUDOIHHOLQJRIEHLQJXQZHOOIHYHUORVVRIDSSHWLWHQDXVHD
H[WUHPHOHWKDUJ\VHYHUHKHDGDFKHDQGDILQHUHGRUSXUSOHVNLQUDVKZKLFKGRHVQRWWXUQ
ZKLWHZKHQWKHVNLQLVSUHVVHG,QWKHHDUO\SDUWRIWKHGLVHDVH\RXUFKLOGPD\QRWH[KLELWDOORI
WKHVHV\PSWRPV/DWHUVLJQVRILQIHFWLRQDUHFODVVLFLQGLFDWRUVVXFKDVVRUHQHVVDQGVWLIIQHVVLQ
WKHQHFNEDFNDQGMRLQWVYRPLWLQJDQGOLJKWVHQVLWLYLW\7KHVHV\PSWRPVFDQTXLFNO\
EHFRPHFULWLFDO(DUO\GHWHFWLRQRIWKHV\PSWRPVRIPHQLQJRFRFFDOLQIHFWLRQVFDQ
PHDQWKHGLIIHUHQFHEHWZHHQOLIHDQGGHDWK
3OHDVHUHDGPRUHRQWKHRWKHUVLGHRIWKLVFDUGIRUV\PSWRPVLQEDELHVDQGQHZERUQV
+($/7+7KHUPRPHWHUV
)HYHU
7KHUHDUHDUDQJHRIWKHUPRPHWHUVUDQJLQJIURPORZSULFHGSODVWLFVWULSVXSWRHDUWKHU
PRPHWHUVZKLFKPLJKWVHHPH[SHQVLYHE\FRPSDULVRQ$OWKRXJKWKHH[SHQVHPLJKWEH
KDUGWRGHDOZLWK\RXZLOOSUREDEO\JHWPDQ\\HDUVXVHRXWRIDQDFFXUDWHHDUWKHUPRPH
WHUWKDWPDNHLWZRUWKWKHLQLWLDOH[SHQVH
%DWWHU\RSHUDWHGGLJLWDOVWLFNWKHUPRPHWHU
7KLVLVDSODVWLFWKHUPRPHWHUWKDWLVVDIHDFFXUDWHDQGHDV\WRUHDGEXWDELWPRUHH[
SHQVLYHWKDQDVWULS7KLVGLJLWDOVWLFNWKHUPRPHWHUFDQEHXVHGRUDOO\RUXQGHUWKHEDE\
V
DUP,WUHJLVWHUVWKHWHPSHUDWXUHLQVHFRQGVZLWKDEHHSVLJQDOLQJZKHQFRPSOHWH
(DU7KHUPRPHWHU
7KLVLVSODFHGLQ\RXUEDE\
VHDUDQGJLYHVDGLJLWDOUHDGLQJDIWHUDIHZVHFRQGV,WLVTXLFN
DQGDFFXUDWHEXWFRVWVDELW7KHHDUWKHUPRPHWHUSURGXFHVDQLQVWDQWDFFXUDWHUHDGLQJ
WRZLWKLQGHJ&RQDQ/&'GLVSOD\
+($/7+ •
•
0HQLQJRFRFFDO'LVHDVH
,QQHZERUQVDQGEDELHVWKHLOOQHVVPD\KDUGHUWRGHWHFWGXHWRDQLQIDQWVLQDELOLW\WR
WHOO\RXDERXWWKHLUV\PSWRPV7KH\FDQH[SHULHQFHVLPLODUV\PSWRPVDVROGHUFKLOGUHQEXW
WKH\PD\DOVRDSSHDUH[WUHPHO\DJLWDWHGEHGLIILFXOWWRZDNHRUVHHPH[FHVVLYHO\VOHHS\
WKH\PD\UHIXVHIHHGVDQGKDYHDKLJKSLWFKHGFU\,IDQ\RIWKHVHV\PSWRPVDUHSUHVHQW
LWLVEHWWHUWRHUURQWKHVLGHRIFDXWLRQDQGKDYH\RXULQIDQWVHHQE\DGRFWRU
LPPHGLDWHO\
0HQLQJRFRFFDOGLVHDVHFDQEHGLIILFXOWWRGHWHFWDVWKHHDUO\VWDJHVRIWKHLOOQHVV
RIWHQEHJLQVVLPLODUO\WRRWKHUFRQGLWLRQVVRLWLVFULWLFDOWREHDZDUHRIWKH
V\PSWRPVDQGWKHFKDUDFWHULVWLFLQGLFDWRUVRIWKHGLVHDVH7KRVHPRVWDWULVNDUH
FKLOGUHQXQGHU\HDUVUHSUHVHQWLQJWZRWKLUGVRIDOOFDVHVDVZHOODVWKH±DJHJURXS
EXWPHQLQJRFRFFDOGLVHDVHFDQRFFXULQDQ\DJHJURXS
+($/7+0HQLQJRFRFFDO'LVHDVH
•
0HQLQJRFRFFDOGLVHDVHLVVSUHDGYLDUHVSLUDWRU\GURSOHWVIURPWKHFRXJK
LQJDQGVQHH]LQJDQGVDOLYDRIDQLQIHFWHGSHUVRQDQGE\FORVHFRQWDFW
LQFOXGLQJNLVVLQJ,Q±RIWKHSRSXODWLRQWKHPHQLQJRFRFFLEDFWHULD
OLYHQDWXUDOO\LQWKHQRVHDQGWKURDWZLWKRXWFDXVLQJDQ\LOOQHVVWKHVHSHRSOHDUH
NQRZQDV³KHDOWK\FDUULHUV´,QVRPHFDVHVKRZHYHUWKHEDFWHULDJHWVWKURXJK
WKHOLQLQJRIWKHWKURDWDQGHQWHUVWKHEORRGVWUHDPUHVXOWLQJLQPHQLQJRFRFFDO
GLVHDVH,Q$XVWUDOLDPRVWFDVHVWHQGWRRFFXUGXULQJWKHODWHZLQWHURUHDUO\
VSULQJ
•
0HQLQJLWLVLVDQLQIODPPDWLRQRIWKHPHPEUDQHVZKLFKHQYHORSWKHEUDLQ
DQGVSLQDOFRUGDQGFDQEHEDFWHULDODQGYLUDO9LUDOPHQLQJLWLVLVXVXDOO\
PLOGHUWKDQWKHEDFWHULDOIRUPEXWGRHVQRWUHVSRQGWRDQWLELRWLFV%DFWHULDOPHQ
LQJLWLVLVPRUHVHYHUHDQGPD\EHFDXVHGE\GLVHDVHVVXFKDV+LE+DHPRSKLOXV
LQIOXHQ]DH%PXPSVPHDVOHVDQGSROLR,WFDQRIWHQIROORZDQXSSHUUHVSLUDWRU\
WUDFWLQIHFWLRQDQGOHDGTXLFNO\WRDQXPEHURIOLIHWKUHDWHQLQJSUREOHPVVRLWLV
LPSRUWDQWWKDWGLDJQRVLVLVQRWGHOD\HG
+($/7+:KRRSLQJ&RXJK
:KRRSLQJFRXJKLVDKLJKO\FRQWDJLRXVUHVSLUDWRU\LQIHFWLRQFDXVHGE\WKH
%SHUWXVVLVEDFWHULDDQGGHULYHVLWVQDPHIURPWKH³ZKRRSLQJ´VRXQGZKLFK
RFFXUVRQWKHLQZDUGEUHDWKDIWHUDFRXJKLQJVSHOO
:KRRSLQJFRXJKLVFRQWUDFWHGE\FRPLQJLQWRFRQWDFWZLWKDLUERUQH
GURSOHWVIURPWKHFRXJKVDQGVQHH]HVRIVRPHRQHZKRKDVWKHLQIHFWLRQ
7KHLOOQHVVXVXDOO\PDQLIHVWV±GD\VDIWHUH[SRVXUHDQGLVPRVWFRPPXQLFD
EOHLQWKHHDUOLHVWVWDJHVRIWKHLQIHFWLRQXSWRWZRZHHNVDIWHUWKHFRXJKVWDUWV
7KHFRQGLWLRQLVFKDUDFWHULVHGE\VHYHUHSHUVLVWHQWFRXJKLQJZKLFKLV
RIWHQVRIRUFHIXOWKDWLWFDQFDXVHFKLOGUHQWRWHPSRUDULO\ORVHWKHLUEUHDWKDQG
HYHQYRPLW&KLOGUHQPD\H[SHULHQFHLQWHQVHFRXJKLQJVSHOOVHYHU\KRXURUVR
ZKLFKFDQEHVHYHUDO PLQXWHVORQJLQWHUUXSWLQJERWKWKHLUVOHHSDQGWKHZKROH
IDPLO\¶V
7KHVKHHUWHQDFLW\RIWKHFRQGLWLRQDFFRXQWVIRUWKH&KLQHVHUHIHUULQJWRLWDVWKH
µGD\FRXJK¶DVWKHFRXJKXVXDOO\ODVWVVHYHUDOZHHNV
+($/7+ 0HQLQJRFRFFDO'LVHDVH
•
6HSWLFDHPLDLVWKHPRVWGHDGO\RIWKHWZRLOOQHVVHVDQGH[KLELWVVLPLODU
V\PSWRPV,WLVWKHUHVXOWRIEDFWHULDZKLFKHQWHUVWKHEORRGVWUHDPFDXVLQJ
EOHHGLQJLQWRWKHVNLQDQGFDQOHDGWRGHDWKZLWKLQKRXUV,IOHIWXQWUHDWHGRULI
GLDJQRVLVLVGHOD\HGSHUPDQHQWGLVDELOLWLHVFDQRFFXUVXFKDVVLJKWDQGKHDU
LQJSUREOHPVRUGHDIQHVVOLYHUDQGNLGQH\FRPSOLFDWLRQVDQGHYHQDPSXWDWLRQV
GXHWRWKHODFNRIEORRGWRWKHILQJHUVWRHVDUPVDQGOHJV
•
,Q$XVWUDOLDYDFFLQHVDUHDYDLODEOHIRUWKH0HQLQJRFRFFDO&VWUDLQRI
WKHGLVHDVHDQGDUHSDUWRIIUHHURXWLQHLPPXQLVDWLRQ,WLVUHFRPPHQGHG
WKDWFKLOGUHQEHLPPXQLVHGZLWKWKHYDFFLQHDWWKHDJHRIPRQWKVZKLFK
PD\EHJLYHQDWWKHVDPHWLPHDVRWKHUYDFFLQHV7KH0HQLQJRFRFFDO%VHUR
JURXSLVFXUUHQWO\WKHPRVWGRPLQDQWVWUDLQLQ$XVWUDOLDKRZHYHUDFFRXQWLQJIRU
RIDOOFDVHVDQGWKHUHDUHFXUUHQWO\QRYDFFLQHVDYDLODEOHIRULPPXQLVDWLRQ
DJDLQVWWKLVVWUDLQRIWKHGLVHDVH6LQFHWKHLQWURGXFWLRQRIWKH0HQLQJRFRFFDO&
YDFFLQHKRZHYHUWKH0HQLQJRFRFFDO&VWUDLQRIWKHGLVHDVHLVQRZUDUHLQ16:
+($/7+:KRRSLQJ&RXJK
:KRRSLQJFRXJKLVDWLWVPRVWVHULRXVZKHQLWRFFXUVLQEDELHVHVSHFLDOO\LI
WKH\DUHXQGHUPRQWKVDQGFDQEHOLIHWKUHDWHQLQJ7KHKLJKHVWULVNLVWREDELHV
ZKRDUHQRWLPPXQLVHGDQGDUHXQGHUVL[PRQWKVRUWRWKRVHRQO\SDUWLDOO\LPPX
QLVHG2YHURIFKLOGUHQKRVSLWDOLVHGIRUZKRRSLQJFRXJKDUHXQGHURQH\HDUROG
:KRRSLQJFRXJKLVFRQVLGHUHGWREHDYDFFLQHSUHYHQWDEOHGLVHDVH
7KHFXUUHQW$XVWUDOLDQLPPXQLVDWLRQVFKHGXOHLVVWGRVHJLYHQDWPRQWKV
QGDWPRQWKVZLWKERRVWHUVJLYHQDW\HDUVDQGDJDLQEHWZHHQ±\UV
,Q$XVWUDOLDHSLGHPLFVRFFXUYHU\±\HDUVDQGDUHPRUHSUHYDOHQWLQ
ZLQWHUDQGVSULQJ2XWEUHDNVDUHVPDOOHULQYDFFLQDWHGSRSXODWLRQV$OWKRXJK
WKHYDFFLQHLVQRWHIIHFWLYHLWSURWHFWVPRVWFKLOGUHQDQGFDXVHV
ZKRRSLQJFRXJKWREHOHVVVHYHUHWKDQLWFDQEHLQQRQLPPXQLVHGFKLOGUHQ
:KRRSLQJFRXJKLVQRWMXVWDFKLOGKRRGLOOQHVVRIDOOFDVHVRFFXULQDGXOWV
RYHUWKHDJHRI6RPHWLPHVDGXOWVFDQEHPLVGLDJQRVHGGXHWRWKHDEVHQFHRIWKH
³ZKRRSLQJ´VRXQGWKDWLVQRUPDOO\DIHDWXUHRIWKHFRQGLWLRQLQ\RXQJFKLOGUHQ
+($/7+:KRRSLQJ&RXJK
•
,QEDELHVZKRRSLQJFRXJKVWDUWVZLWKIOXOLNHV\PSWRPVORZJUDGHIHYHUUXQQ\QRVH
VQHH]LQJDQGDPLOGFRXJK7KLVFDQODVWIRUZHHNVDQGLVIROORZHGE\±ZHHNVRIVH
YHUHFRXJKLQJVSDVPV7KHLQIHFWLRQFDXVHVDEXLOGXSRIPXFXVLQWKHZLQGSLSHPDNLQJLWGLIIL
FXOWIRUWKHPWREUHDWKHIHHGDQGVOHHS*DJJLQJRUYRPLWLQJDIWHUDFRXJKLQJILWFDQOHDYHFKLO
GUHQH[KDXVWHGDQGWKH\RIWHQKDYHDSRRUDSSHWLWHDQGZHLJKWORVVGXHWRWKHLOOQHVV
•
,WLVHVWLPDWHGWKDWXSWRRIQRQLPPXQLVHGIDPLO\PHPEHUVPD\FDWFK
ZKRRSLQJFRXJKIURPDQLQIHFWHGFKLOG5HFRPPHQGDWLRQVIURPWKH1DWLRQDO+HDOWKDQG
0HGLFDO5HVHDUFK&RXQFLODUHWKDWDQWLELRWLFVEHSUHVFULEHGIRUWKRVHIDPLO\PHPEHUVZKR
KDYHFORVHFRQWDFWZLWKDFKLOGZLWKZKRRSLQJFRXJK$VRI6HSWHPEHUOLTXLGDQWLELRWLFV
FODULWKURP\FLQDUHQRZDYDLODEOHIRUFKLOGUHQZKRILQGLWKDUGWRWDNHDQWLELRWLFWDEOHWV
•
,QWKHSUHVHQFHRIZKRRSLQJFRXJKDQWLELRWLFWUHDWPHQWPD\DOVREHSUHVFULEHGIRU
EDELHVOHVVWKDQPRQWKVDQGFKLOGUHQEHWZHHQ±PRQWKVZKRKDYHKDGOHVVWKDQ
GRVHVRIWKHZKRRSLQJFRXJKYDFFLQH
+($/7+ &URXS
•
&URXSLVDYLUDOLQIHFWLRQDW\SHRIODU\QJLWLVZKLFKLQYROYHVDQREVWUXFWLRQRIWKH
XSSHUDLUZD\PRVWO\FRPPRQO\DIIHFWLQJFKLOGUHQXQGHUILYH\HDUV&URXSRIWHQEHJLQV
OLNHWKHFRPPRQFROGDQGFRPHVDERXWDVDUHVXOWRILQIODPPDWLRQLQWKHYRLFHER[DQG
ZLQGSLSH6LQFHFURXSLVDYLUXVLWGRHVQRWUHTXLUHDQGZLOOQRWUHVSRQGWR
DQWLELRWLFV
•
,QJHQHUDOFURXSLVDPLOGDQGFRPPRQFKLOGKRRGLOOQHVVWKDWGRHVQRWUHTXLUH
SKDUPDFRORJLFDOWUHDWPHQW,WLVWUDQVPLWWHGWKURXJKDLUERUQHGURSOHWVIURPFRXJKV
DQGVQHH]HV,QPRVWFDVHVFURXSFOHDUVXSZLWK±GD\VDQGFDQEHPDQDJHGDW
KRPH,QVRPHLQVWDQFHVKRZHYHUFURXSPD\ZRUVHQDQGPD\QHHGPHGLFDOLQWHUYHQ
WLRQWRKHOSOHVVHQWKHVZROOHQDLUZD\VDQGHDVHEUHDWKLQJ
•
&URXSEHJLQVLQDVLPLODUZD\WRDFROGUXQQ\QRVHVRUHWKURDWUDLVHGWHPSHUDWXUH
EXWGHYHORSVTXLFNO\LQWRDKDUVKµFURXS\¶FRXJK,WLVFKDUDFWHULVHGE\ERWKWKH
FRXJKDQGWKHQRLV\ZKHH]\EUHDWKLQJVWULGRU6\PSWRPVRIWHQZRUVHQDW
QLJKWGXHWRWKHFRRODLU
:KRRSLQJ&RXJK
+($/7+ •
$QWLELRWLFVDUHDOVRUHFRPPHQGHGIRUDQ\ZRPDQLQKHUODVWPRQWKRISUHJQDQF\RIVKH
KDVEHHQH[SRVHGWRZKRRSLQJFRXJKDVZHOODVIRUDQ\FKLOGRUDGXOWZKRDWWHQGVRU
ZRUNVLQDFKLOGFDUHFHQWUH,IDQRQLPPXQLVHGFKLOGFRQWUDFWVZKRRSLQJFRXJK
DQWLELRWLFVPD\EHSUHVFULEHGWRVWRSWKHVSUHDGRILQIHFWLRQDQGLVPRVWHIIHFWLYH
ZKHQJLYHQLQWKHHDUO\VWDJHVRIWKHLOOQHVV
•
7KHUHDUHJHQHUDOO\IHZFRPSOLFDWLRQVIURPLPPXQLVDWLRQDJDLQVWZKRRSLQJ
FRXJK6RPHEDELHVFDQEHFRPHµIORSS\¶IRUDZKLOHDIWHUWKHLQMHFWLRQDQGFKLOGUHQ
PD\VXIIHUIURPPLOGIHYHURULUULWDELOLW\6LQFHWKHYDFFLQHDFHOOXODUSHUWXVVLVKDV
EHHQLQWURGXFHGWKHUHKDYHEHHQIHZHUUHSRUWVRIVRUHLQMHFWLRQVLWHV
•
:KRRSLQJFRXJKFDQEHEHVWPDQDJHGDWKRPHE\NHHSLQJWKHKRPHIUHHRI
LUULWDQWVZKLFKDJJUDYDWHFRXJKLQJVXFKDVDHURVROVSUD\VWREDFFRVPRNHDQG
ILUHSODFHV.HHS\RXUFKLOGZHOOUHVWHGDQGRIIHUSOHQW\RIIOXLGVWRKHOSWKLQPXFXVDQG
SUHYHQWGHK\GUDWLRQ&RXJKLQJVXSSUHVVDQWVDUHQRWDGYLVHGIRUFKLOGUHQZLWKZKRRSLQJ
FRXJKDVWKHFRXJKLQJDFWLRQKHOSVH[SHOH[FHVVPXFXVIURPWKHDLUZD\VDQGLVEHVW
OHIW XQLPSHGHG
+($/7+
&URXS
•
,I\RXDUHRYHUO\FRQFHUQHGRU\RXUFKLOG¶VFRQGLWLRQZRUVHQVVHH\RXU
GRFWRURUORFDOHPHUJHQF\GHSDUWPHQWLPPHGLDWHO\HVSHFLDOO\LIWKHUHDUH
VLJQVRIUHVSLUDWRU\GLVWUHVVWKHEUHDVWERQHVXFNVLQDQG\RXUFKLOGLVVWUXJJOLQJWR
EUHDWKH,IWKHQRLV\EUHDWKLQJFRQWLQXHVZKHQ\RXUFKLOGEUHDWKHVLQZKHQUHVWLQJ
WKLVLVDOVRDVLJQWKDWWKH\VKRXOGEHFKHFNHGE\\RXU*3
•
7KHUHDUHPDQ\ZD\VWRKHOSGHDOZLWKFURXSDWKRPH.HHS\RXUFKLOGFDOP
DQGDVUHVWHGDVSRVVLEOHDVDFWLYLW\RUDQ[LHW\FDQLQFUHDVHWKHLUEUHDWKLQJGLIILFXO
WLHV7KHZKHH]\FKHVWFDQEHIULJKWHQLQJWRD\RXQJFKLOGVRHQVXUHWKH\DUHFRP
IRUWHGDQGUHDVVXUHGDQGPRQLWRUWKHPDVFORVHO\DVSRVVLEOH(QFRXUDJH\RXUFKLOG
WRGULQNSOHQW\RIIOXLGVDVWKLVWKLQVWKHPXFXVDQGPDNHVLWHDVLHUWRFRXJK:DUP
VRXSVDQGFRROGULQNVPD\KHOS.HHSWKHKRPHHQYLURQPHQWVPRNHIUHH
•
)RUPDQ\\HDUVLWZDVEHOLHYHGWKDWVWHDPWKHUDS\ZDVDYLDEOHWUHDWPHQWIRUFURXS
7KHXVHRIVWHDPWKHUDS\RUYDSRULVHUVLVQRORQJHUUHFRPPHQGHG
+($/7+6FDUOHW)HYHU
•
6FDUOHWIHYHULVDEDFWHULDOLQIHFWLRQZKLFKJLYHVULVHWRDVFDUOHWVDQGSDSHUOLNHUDVK
RQWKHFKHVWQHFNDUPSLWVDQGJURLQIURPZKLFKWKLVLOOQHVVGHULYHVLWVQDPH
•
$IWHUDQLQFXEDWLRQSHULRGRIGD\VV\PSWRPVRFFXUZKLFKLQFOXGHDKLJK
IHYHUKHDGDFKHVQDXVHDDQGYRPLWLQJVZROOHQO\PSKJODQGVLQWKHQHFNVRUHWKURDW
DQGHQODUJHGWRQVLOV7KHFKHHNVPD\EHIOXVKHGDQGWKHUHPD\EHDSDOHDUHDDURXQG
WKHPRXWK$ORQJZLWKWKHPDVVRIWLQ\UHGVSRWVLVWKHFKDUDFWHULVWLFµVWUDZEHUU\
WRQJXH¶
•
6FDUOHWIHYHULVFRQWDJLRXVDQGSRVHVDULVNRILQIHFWLRQIRURWKHUVEHLQJ
FRPPXQLFDEOHWKURXJKWKHVQHH]HVDQGFRXJKLQJRIDQLQIHFWHGFKLOG
+LVWRULFDOO\VFDUOHWIHYHUZDVDVHULRXVRIWHQOLIHWKUHDWHQLQJLOOQHVVEXWLVQRZUHODWLYHO\
UDUHDQGPXFKPLOGHU,WLVHDVLO\FRQWUROOHGE\DQWLELRWLFV
+($/7+8ULQDU\7UDFW,QIHFWLRQV
•
8ULQDU\WUDFWLQIHFWLRQV87,VVXFKDVF\VWLWLVDUHFRPPRQLQFKLOGUHQDQGDIIHFW
JLUOVPRUHRIWHQWKDQER\V1HZERUQPDOHVXSWRWKHDJHRIZHHNVKRZHYHUDUHPRUH
VXVFHSWLEOHWR87,VWKDQIHPDOHEDELHV
•
87,VDUHPRVWFRPPRQO\FDXVHGE\EDFWHULDIURPWKHERZHOWKDWHQWHUVWKHXUHWKUD
FDXVLQJDJURZWKRIJHUPVLQDQGLUULWDWLRQWRWKHEODGGHU
•
7KHSULPDU\V\PSWRPVRID87,DUHDQLQWHQVHXUJHWRXULQDWHHYHQZKHQWKHEODGGHU
IHHOVHPSW\DQGDEXUQLQJVHQVDWLRQZKHQXULQDWLQJ(YHQWKRXJKWKLVIUHTXHQWQHHGWRXUL
QDWHLVXQFRPIRUWDEOHLWLVWKHERG\¶VZD\RIIOXVKLQJRXWWKHLQIHFWLRQVRHQFRXUDJHFKLOGUHQ
WRJRWRWKHWRLOHWZKHQHYHUWKH\IHHOWKHXUJH
•
7UHDWPHQWPD\LQFOXGHDQWLELRWLFVHVSHFLDOO\ZLWKUHFXUUHQWFDVHV8QVZHHWHQHG
FUDQEHUU\MXLFHKDVEHHQXVHGIRURYHUDFHQWXU\WRWUHDWF\VWLWLVDVLWKHOSVSUHYHQW
EDFWHULD
IURPDGKHULQJWRWKHEODGGHUZDOO0RVWHVVHQWLDOLVWKDW\RXUFKLOG¶V
ZDWHULQWDNHLV
LQFUHDVHGDVWKLVKHOSVGLOXWHXULQHIOXVKHVEDFWHULDDQGKHOSVOHVVHQWKHSDLQDQG
GLVFRPIRUW
RIWKH87,-XQLSHUEHUU\WHDFDQEHPDGHE\DGGLQJFXSERLOLQJZD
WHUWRWEVSMXQLSHU EHUULHVIURP\RXUORFDOKHDOWKIRRGVKRSDQGEHLQJOHIWWRVWHHSIRU
PLQXWHV
+($/7+ 6FDUOHW)HYHU
•
7KHUDVKDSSHDUVKRXUVDIWHUWKHIHYHUEXWIDGHVZLWKLQ±GD\VDIWHU
ZKLFKWKHVNLQSHHOVPXFKOLNHDIWHUVXQEXUQ
•
7KHWUHDWPHQWRIFKRLFHLVDQWLELRWLFVDQGWKHUHVKRXOGEHVLJQVRILPSURYHPHQW
GD\VDIWHUVWDUWLQJDFRXUVH(QVXUHWKHHQWLUHFRXUVHLVWDNHQ'LDJQRVLVLVJHQHUDOO\PDGH
YLDDWKURDWVZDEFXOWXUHRUEORRGWHVWV
•
+RPHWUHDWPHQWVLQFOXGHEHGUHVWFRROVSRQJHEDWKVWRKHOSIHYHUVQDWXUDOO\DEDWH
SDUDFHWDPROLIIHYHUVJHWWRRKLJKDQGLI\RXUFKLOGLVXQFRPIRUWDEOHDQGSOHQW\RIIOXLGV
WRIOXVKRXWWKHWR[LQV(VSHFLDOO\KHOSIXODUHIUHVKO\VTXHH]HGFLWUXVMXLFHVUDZMXLFHV
VXFKDVFDUURWDQGDSSOHDQGZDUPQXWULWLRXVVRXSV
•
'LG\RXNQRZ"6FDUOHWIHYHUKDVDORQJDQGQRWDEOHOLWHUDU\KLVWRU\,WZDVSRSXODUO\
TXRWHGLQHDUO\WKDQGWK&HQWXU\OLWHUDWXUHWKHPRVWZHOONQRZQEHLQJ7KH9HOYHWHHQ
5DEELWE\0DUJHU\:LOOLDPVDQG/LWWOH:RPHQE\0DU\$OFRWW
+($/7+ 8ULQDU\7UDFW,QIHFWLRQV
•
&KLOGUHQRYHU\HDUVXVXDOO\GLVSOD\VLPLODUV\PSWRPVWRDGXOWVDQGPD\
KDYHIUHTXHQW³DFFLGHQWV´DORVVRIDSSHWLWHDQGVRPHWLPHVDUDLVHGWHPSHUDWXUH
•
&KLOGUHQXQGHU\HDUVRIWHQILQGLWPRUHGLIILFXOWWRFRPPXQLFDWHWKHLUGLVFRPIRUW
DQGPD\EHFRQIXVHGE\WKHLULQFUHDVHGQHHGWRZHH
•
,QDGGLWLRQFKLOGUHQXQGHU\HDUVPD\H[KLELWDZLGHUUDQJHRIJHQHUDOLQ
IHFWLRQVXFKDVIHYHUGLDUUKRHDORZHQHUJ\DQGLUULWDELOLW\
•
,WLVLPSRUWDQWWKDWDOOFKLOGUHQZLWKVLJQVRID87,EHFKHFNHGE\DGRFWRU
ZLWKLQKRXUVGXHWRWKHSRVVLELOLW\RIXQGHUO\LQJNLGQH\RUEODGGHUSUREOHPV
5HFXUUHQWLQIHFWLRQVPD\FDXVHVFDUULQJRIWKHNLGQH\V87,VDUHGLDJQRVHGE\
FROOHFWLQJDXULQHVDPSOHLQDVWHULOHFRQWDLQHUDYDLODEOHIURP\RXU*3
&ROOHFWHGVDPSOHVFDQEHNHSWLQWKHIULGJHIRUXSWRKRXUVLIQHFHVVDU\
+($/7+ $1$3+</$;,6±6+2&.
$QDSK\OD[LVLVDVHYHUHDQGVXGGHQDOOHUJLFUHDFWLRQZKLFKFDXVHVWKHERG\WRJRLQWRVKRFN,WFDQ
RFFXUDVDUHVXOWRIH[SRVXUHWRDQXPEHURIDOOHUJHQVLQFOXGLQJFHUWDLQIRRGVFRZ¶VPLONHJJV
SHDQXWVDQGWUHHQXWVVKHOOILVKVR\VHVDPHLQVHFWVWLQJVEHHVZDVSVDQGDQWVDQGSDUWLFXODU
GUXJVVXFKDVSHQLFLOOLQ
$QDSK\OD[LVFDQEHOLIHWKUHDWHQLQJDQGFRQVWLWXWHVDPHGLFDOHPHUJHQF\ZKHUHLPPHGLDWHO\RU
ZLWKLQPLQXWHVRIH[SRVXUHDQDOOHUJ\FDQFDXVHDUDSLGGURSLQEORRGSUHVVXUHDQGDFRQVWULFWLRQ
RIWKHDLUZD\V
$OOHUJLFUHDFWLRQVYDU\LQVHYHULW\0LOGWRPRGHUDWHUHDFWLRQVPD\LQFOXGHVZHOOLQJRIWKHIDFHQHFN
OLSVDQGWRQJXHEORWFK\UHGZHOWVKLYHVGL]]LQHVVYRPLWLQJDQGDEGRPLQDOSDLQ6HYHUHUHDFWLRQV
DUHSRWHQWLDOO\IDWDODQGLQFOXGHGLIILFXOW\EUHDWKLQJRUWDONLQJZKHH]LQJDQGFRXJKLQJDQGORVVRI
FRQVFLRXVQHVVDQGFROODSVH
<RXQJFKLOGUHQPD\EHFRPHOLPSDQGIORSS\$QDSK\OD[LV$XVWUDOLDVWDWHWKDWWKHUDSLGRQVHWDQG
OLIHWKUHDWHQLQJV\PSWRPVDUHFKDUDFWHULVWLFPDUNHUVRIDQDSK\OD[LV
+($/7+$1$3+</$;,6±6+2&.
•
,I\RXUFKLOGKDVEHHQGLDJQRVHGZLWKDVHYHUHDOOHUJ\LWLVDGYLVHGWKDWWKH\FDUU\
WKH(SL3HQŠZLWKWKHPDWDOOWLPHV7KH(SL3HQŠFDQEHSXUFKDVHGRQWKHSKDUPDFHXWL
FDOEHQHILWVVFKHPH3%66RPHFKLOGUHQDOVRFDUU\DQHPHUJHQF\PHGLFDOFDUGRUZHDUD
VSHFLDOPHGLFDODOHUWEUDFHOHWDVZHOODVKDYLQJWKHLUFRQWDFWSHUVRQ¶VHPHUJHQF\QXPEHU
ZLWKWKHP
•
,QPRVWFDVHVSUHYHQWDWLYHFDUHLVWKHPRVWHIIHFWLYHZD\RIPDQDJLQJVSHFLILF
DOOHUJLHVZLWKWKHDLPRIDYRLGLQJNQRZQDOOHUJHQV+RZHYHULIDQDQDSK\ODFWLFUHDFWLRQ
KDSSHQVLWLVLPSRUWDQWWKDWERWKFKLOGUHQDQGWKHLUFDUHJLYHUVDUHDEOHWRUHFRJQLVHWKH
VLJQVDQGV\PSWRPVRIDQDWWDFNDQGNQRZZKDWWRGRLIDQHSLVRGHRFFXUV
7KHUHLVFXUUHQWO\QRFXUHIRUDQDSK\OD[LVWUHDWPHQWIRFXVHVRQWKHPDQDJHPHQWRIWKH
FRQGLWLRQ
•
)RRGDOOHUJLHVDIIHFWDURXQGRIFKLOGUHQXQGHUWKHDJHRI\HDUV
7KH\RFFXUUDUHO\LQLQIDQWVXQGHUPRQWKV0RVWIRRGDOOHUJLHVEHFRPHHYLGHQWLQWKH
ILUVWPRQWKVRIDFKLOG¶VOLIHZLWKWKHLQWURGXFWLRQRIQHZIRRGV$OOHUJLHVWRFRZ¶VPLON
DQGHJJVDUHRIWHQRXWJURZQZKLOHDOOHUJLHVWRQXWVDQGVHDIRRGWHQGWREHORQJODVWLQJ
+($/7+
$1$3+</$;,6
•
,I\RXVXVSHFW\RXUFKLOGPD\EHKDYLQJDQDOOHUJLFUHDFWLRQDQGRULV
H[SHULHQFLQJDQ\RIWKHVHV\PSWRPVFDOOLPPHGLDWHO\DQGVWDWHWKDW\RXU
FKLOGPD\EHVXIIHULQJIURPDQDSK\OD[LV:KLOH\RXDUHZDLWLQJIRUWKHDPEXODQFH
XVHILUVWDLGWUHDWPHQWIRUVKRFN5HPDLQFDOPDQGUHDVVXUH\RXUFKLOG,ILW¶VDSSURSULDWH
HOHYDWH\RXUFKLOG¶VOHJVVOLJKWO\WRDOORZEORRGWRUHWXUQWRWKHKHDUW5HDVVXUH\RXUFKLOG
DQGFRYHUKLPZLWKDOLJKWEODQNHW
•
7KHILUVWOLQHRIWUHDWPHQWIRUDQDSK\OD[LVLVDQLQMHFWLRQRIDGUHQDOLQHSLQHSKULQH
ZKLFKHDVHVV\PSWRPVZLWKLQPLQXWHVDQGFDQEHOLIHVDYLQJ$GUHQDOLQHDFWVDVDQDWXUDO
DQWLGRWHWRWKHFKHPLFDOVZKLFKDUHUHOHDVHGLQWRWKHERG\GXULQJVHYHUHDOOHUJLFUHDFWLRQV
,WLVXVXDOO\DGPLQLVWHUHGLQWKHIRUPRIDQLQWUDPXVFXODULQMHFWLRQZLWKDQDXWRLQMHFWRU
FDOOHGDQ(SL3HQŠ
•
7KH(SL3HQŠLVGHVLJQHGDVDILUVWDLGGHYLFHZKLFKPD\EHXVHGE\SHRSOH
ZLWKRXWIRUPDOPHGLFDOWUDLQLQJDQGFDQEHVHOIDGPLQLVWHUHGE\SHRSOHRIDOODJHV
+($/7+
$1$3+</$;,6
•
7DONWR\RXUGRFWRUDERXWGHYHORSLQJDFROODERUDWLYH$QDSK\OD[LV$FWLRQ3ODQZKLFKZLOO
GHWDLO\RXUFKLOG¶VFRQGLWLRQDQGZD\VWRPDQDJHLWHVSHFLDOO\LQHPHUJHQF\VLWXDWLRQV
,WVKRXOGEHNHSWZLWKWKH(SL3HQŠLQDQDFFHVVLEOHORFDWLRQDQGEURXJKWWRWKHDWWHQWLRQ
RIDOOFDUHJLYHUVRI\RXUFKLOG
•
0RVWSUHVFKRROVDQGVFKRROVQRZKDYHD³QRQXW´SROLF\DQGPDQ\HQIRUFH
³QRHJJV´DVZHOOGXHWRWKHVHULRXVQDWXUHRIDQDSK\OD[LV)RUDOOHUJLHVWRELWHVDQG
VWLQJVFDUHVKRXOGEHWDNHQWRDYRLGKLJKULVNDUHDVZKHUHSRVVLEOHH[SRVXUHPD\
RFFXU:LWKIRRGDOOHUJLHVHQVXUHDOOSHRSOHZKRFDUHIRU\RXUFKLOGDUHDZDUHRIKHU
FRQGLWLRQ5HDGIRRGODEHOVFDUHIXOO\HGXFDWH\RXUFKLOGDERXWZKDWLVVDIHWRHDWDQG
WKHLPSRUWDQFHRIQRWVKDULQJIRRGDQGPDNHSURYLVLRQIRUVSHFLDORFFDVLRQVVXFKDV
ELUWKGD\VZLWKVSHFLDOO\SUHSDUHGDOWHUQDWLYHIRRGV
•
)RUPRUHLQIRUPDWLRQ\RXPD\OLNHWRFRQWDFW$QDSK\OD[LV$XVWUDOLDRQ
ZZZDOOHUJ\IDFWVRUJDXHPDLOFRRUGLQDWRU#DOOHUJ\IDFWVRUJDX
+($/7+ )HEULOHFRQYXOVLRQV
• )HEULOHFRQYXOVLRQVDUHVHL]XUHVZKLFKDUHEURXJKWRQE\DVXGGHQULVHLQDFKLOG¶V
WHPSHUDWXUH7KH\DUHFDXVHGE\WKHUDSLGDQGGUDPDWLFULVHLQWHPSHUDWXUHDQGDUHQRWJRYHUQHG
E\KRZKLJKWKHWHPSHUDWXUHLV
• $OWKRXJKFRQYXOVLRQVFDQEHGLVWUHVVLQJWRZLWQHVVLWLVLPSRUWDQWWRVWD\FDOP7KHUHLV
QRWKLQJ\RXFDQGRWRVWRSWKHVHL]XUHDQGLWFDQEHGHWULPHQWDOWRUHVWUDLQ\RXUFKLOGRUVWRS
KLPIURPVKDNLQJ2EVHUYH\RXUFKLOG¶VV\PSWRPVFORVHO\DQGPRQLWRUWKHWLPHWKDWWKHVHL]XUH
VWDUWVDQGILQLVKHV7KLVLVKHOSIXOLQIRUPDWLRQWKDWPD\EHUHTXLUHGE\DGRFWRUODWHU'RQRWSODFH
DQ\WKLQJLQWR\RXUFKLOG¶VPRXWK7KHUHLVQRGDQJHURIKLPVZDOORZLQJKLVWRQJXH
• 'RQRWDWWHPSWWRSODFH\RXUFKLOGLQDFRROEDWKGXULQJWKHILW,WLVDOVRQRWUHFRPPHQGHG
WKDW\RXVSRQJH\RXUFKLOGWREULQJKLVIHYHUGRZQDVWKLVFDQLQFUHDVH\RXUFKLOG¶VGLVFRPIRUW
• 0RVWVHL]XUHVZLOOODVWIRU±PLQXWHVDIWHUZKLFKWLPHVHH\RXUGRFWRUZKRZLOODVFHUWDLQ
WKHFDXVHRIWKHIHYHU'RQRWDWWHPSWWRGULYHDFKLOGZKRLVKDYLQJDFRQYXOVLRQWRWKH
KRVSLWDOZLWKRXWWZRDGXOWVSUHVHQW±RQHWRGULYHDQGRQHWRWDNHFDUHRI\RXUFKLOG
,I\RXUFKLOGKDVDVHL]XUHZKLFKODVWVIRUPRUHWKDQPLQXWHVRULIKHIDLOVWR
UHJDLQFRQVFLRXVQHVVDIWHUWKHFRQYXOVLRQVWRSVFDOODQGUHTXHVW
LPPHGLDWHPHGLFDODWWHQWLRQ
+($/7+ (SLOHSV\
•
(SLOHSV\LVRQHRIWKHPRVWFRPPRQQHXURORJLFDOGLVRUGHUVDIIHFWLQJPLO
OLRQSHRSOHZRUOGZLGH'XULQJHSLOHSV\WKHUHLVDPLQLDWXUHHOHFWULFDOµVWRUP¶LQ
WKHEUDLQZKLFKOHDGVWRVHL]XUHVWKDWFDQLQYROYHVHQVRU\GLVWXUEDQFHVVXFKDV
FKDQJHVWRZKDWSHRSOHVHHKHDURUVPHOODOWHUDWLRQVLQFRQVFLRXVQHVVDQG
VWUDQJHRIWHQLQGHVFULEDEOHVHQVDWLRQVDEQRUPDOERG\PRYHPHQWVOLPSVWLII
MHUNLQJPRWLRQVDQGGLVUXSWLRQVRIPRRGDQGFRJQLWLYHIXQFWLRQ
•
,WLVQRWDOZD\VQHFHVVDU\WRFDOODQDPEXODQFHLIDFKLOGLVKDYLQJDVHL]XUH
3HRSOHZLWKNQRZQHSLOHSV\PD\UHFRYHUTXLFNO\DQGPD\QRWEHLQQHHGRIPHGLFDO
DVVLVWDQFH
•
,WLVQHFHVVDU\WRFDOODQDPEXODQFHLILWLVWKHFKLOG¶VILUVWNQRZQVHL]XUHWKH
VHL]XUHLVORQJHUWKDQPLQXWHVDQRWKHUVHL]XUHTXLFNO\IROORZVWKHILUVWRULIWKH
FKLOGKDVEHHQLQMXUHGGXULQJWKHVHL]XUH$SURORQJHGVHL]XUHRUQRWUHJDLQLQJ
FRQVFLRXVQHVVRUDVHULHVRIVHL]XUHVLVNQRZQDV³VWDWXVHSLOHSWLFXV´DQG
LVD0(',&$/(0(5*(1&<
+($/7+
)HEULOHFRQYXOVLRQV
•
&KLOGUHQEHWZHHQWKHDJHVRIPRQWKVDQG\HDUVDUHWKHPRVWVXVFHSWLEOHEXWRQO\
LQFKLOGUHQZLOOH[SHULHQFHWKLVNLQGRIVHL]XUH0RVWKHDOWK\FKLOGUHQRYHUWKHDJHRIVL[ZLOO
QRORQJHUEHYXOQHUDEOHWRWKHP
•
'XULQJDVHL]XUH\RXUFKLOGZLOOXVXDOO\ORVHFRQVFLRXVQHVVIRUXQGHUILYHPLQXWHVGXULQJZKLFK
WLPHKHUEUHDWKLQJPD\EULHIO\VWRSDQGWKHQEHFRPHYHU\VKDOORZVKHPD\WDNHRQDIL[HGVWDUHRU
KHUH\HVPD\UROOEDFNLQKHUKHDGXQWLORQO\WKHZKLWHVDUHYLVLEOHVKHPD\JRUHGRUEOXHLQWKH
IDFHDQGKHUERG\PD\VWLIIHQDQGJLYHZD\WRVSRUDGLFMHUN\PRYHPHQWV:KHQKHUPRYHPHQWV
VWRS\RXUFKLOGPD\JRWRVOHHSIRUDZKLOHDQGZDNHXSLUULWDEOHGLVRULHQWHGDQGFRQIXVHG
•
$IWHUWKHVHL]XUHHQGVSODFH\RXUFKLOGRQKLVVLGHLQWKHUHFRYHU\SRVLWLRQZLWKWKHXSSHU
DUPEHQWDQGUHVWLQJXQGHUWKHKHDGDQGWKHXSSHUNQHHEHQWWRSUHYHQWKLPIURPUROOLQJIRUZDUG
/RRVHQDQ\WLJKWFORWKLQJDQGHQVXUH\RXUFKLOGLVFRPIRUWDEOHZKLOH\RXZDLWIRUWKHGRFWRU
•
)HEULOHFRQYXOVLRQVWHQGWRUXQLQIDPLOLHVDQGDIIHFWER\VPRUHRIWHQWKDQJLUOV
7KHRFFXUUHQFHRIWKHVHW\SHVRIFRQYXOVLRQVGRHVQRWVLJQDOHSLOHSV\DOWKRXJK±RIFKLOGUHQ
ZKRKDYHWKHPZLOOJRRQWRKDYHHSLOHSV\DQGWKH\GRQRWFDXVHEUDLQGDPDJH0RVWIHEULOH
FRQYXOVLRQVDUHRQHRIIHSLVRGHVRIFKLOGUHQZLOOQRWH[SHULHQFHDQRWKHUILW2FFDVLRQDOO\ILWV
PD\FRQWLQXHEXWLQWKHPDMRULW\RIFDVHVWKHRXWORRNIRUFKLOGUHQZKRKDYHH[SHULHQFHGIHEULOH
FRQYXOVLRQVLVJRRGDQGWKH\GRQRWUHTXLUHPHGLFDWLRQ
+($/7+
(SLOHSV\
,I\RXUFKLOGLVGLDJQRVHGZLWKHSLOHSV\
•
%HFRPHIDPLOLDUZLWKWKHILUVWDLGSURFHGXUHIRUVHL]XUHPDQDJHPHQW
•
0DNHVXUHWKDWWKHUHDUHILUVWDLGNLWVLQWKHKRPHDQGFDUDQGWKDWDQ\RQH
FDULQJIRU\RXUFKLOGNQRZVZKDWWRGRLQWKHHYHQWRIDVHL]XUH
•
+DYHZDWHUPDQDJHPHQWVWUDWHJLHVLQSODFHVXFKDVORZHULQJWKHKRWZDWHU
WHPSHUDWXUHLQWKHKRXVHDQGHQFRXUDJLQJ\RXUFKLOGWRVKRZHULQVWHDGRIEDWK
'RQRWOHW\RXUFKLOGVZLPDORQH
•
0DNHVXUH\RXUFKLOGDYRLGVKHLJKWVXQOHVVZLWKDVDIHDGXOW
•
(SLOHSV\FDQEHHIIHFWLYHO\FRQWUROOHGLQ±RIFDVHVDQGFKLOGUHQVKRXOG
EHHQFRXUDJHGWRFRQWLQXHWROHDGKHDOWK\DFWLYHOLYHV
•
)LQGRXWPRUHLQIRUPDWLRQIURP
•
(SLOHSV\$FWLRQ$XVWUDOLD$XVWUDOLDZLGHZZZHSLOHSV\RUJDX
•
1DWLRQDO(SLOHSV\$VVRFLDWLRQRI$XVWUDOLD$XVWUDOLDZLGH
ZZZHSLOHSV\FRPDX
This section gives information on how substance
abuse by pregnant women affects babies.
There is no reason to think that NSW would be different.
Many grandparents are raising children they nursed
through withdrawals in the early weeks of life.
Others are raising children who are dealing with
Fetal Alcohol Syndrome.
According to a story in the Courier Mail published in April 2009:
“A drug – addicted baby is born in Queensland hospitals almost every two days, latest
figures reveal. Mater Mothers’ Hospital neonatologist Paul Woodgate said most of the
babies were delivered to mothers on opiate-replacement therapy, such as methadone.
Withdrawal symptoms, which could last in the babies for several weeks, included
discomfort, tremors and jitters.”
SUBSTANCE
ABUSE
68%67$1&($'',&7,21)RHWDO$OFRKRO6\QGURPH
)RHWDO$OFRKRO6SHFWUXP'LVRUGHULVDQXPEUHOODWHUPIRUDUDQJHRIGLVDELOLWLHV
UHVXOWLQJIURPH[SRVXUHWRDOFRKROGXULQJSUHJQDQF\DQGLQFOXGHV)RHWDO$OFRKRO
6\QGURPH)$6$OFRKRO5HODWHG1HXURGHYHORSPHQWDO'LVRUGHU$51'DQG$OFRKRO
5HODWHG%LUWK'HIHFWV$5%'
• )RHWDO$OFRKRO6\QGURPH)$6LVDGLVRUGHULQZKLFKSHUPDQHQWELUWKGHIHFWVRFFXU
LQWKHFKLOGUHQRIZRPHQZKRGULQNDOFRKROGXULQJSUHJQDQF\DQGLVDWWKHVHYHUHHQG
RIWKHVSHFWUXP,WLVFXUUHQWO\XQNQRZQZKDWOHYHORIGULQNLQJFRQVWLWXWHVDVDIHDPRXQWGXULQJ
SUHJQDQF\8QWLOUHFHQWO\QDWLRQDOJXLGHOLQHVUHFRPPHQGHGWKDWSUHJQDQWZRPHQGULQNQRPRUH
WKDQVWDQGDUGGULQNVSHUGD\RUSHUZHHNDQGVKRXOGQHYHUEHFRPHLQWR[LFDWHG1HZ
JXLGHOLQHVVXJJHVWWKDWWKHVDIHVWRSWLRQIRUZRPHQLVWRDEVWDLQIURPGULQNLQJDOFRKRO
FRPSOHWHO\GXULQJSUHJQDQF\
•
•
)$6LVZLGHO\UHJDUGHGDVWKHPRVWFRPPRQSUHYHQWDEOHFDXVHRIELUWKGHIHFWVDQG
EUDLQGDPDJHLQFKLOGUHQ
68%67$1&($'',&7,21)RHWDO$OFRKRO6\QGURPH
•
,I\RXDUHDZDUHRIDSDUHQWDOKLVWRU\RIKHDY\GULQNLQJGXULQJSUHJQDQF\
DQGVXVSHFWWKDW)$6FRXOGEHDIDFWRUDIIHFWLQJ\RXUJUDQGFKLOGUHQWDONWR
\RXUGRFWRURUSDHGLDWULFLDQDERXW\RXUFRQFHUQV(DUO\GLDJQRVLVDQGLQWHUYHQWLRQ
KDVEHHQVKRZQWRVLJQLILFDQWO\KHOSSHRSOHZLWK)$6DQGUHGXFHVWKHOLNHOLKRRGRI
VHFRQGDU\GLVDELOLWLHVZKLFKFDQRFFXUODWHULQOLIHVXFKDVPHQWDOKHDOWKSUREOHPV
DQGGUXJDQGDOFRKROFRQGLWLRQV
%DELHVERUQZLWK)$6PD\JRWKURXJKZLWKGUDZDOV\PSWRPVZKLFKFRXOG
ODVWXSWRPRQWKVDVDUHVXOWRISDUHQWDOSRO\GUXJXVH7KH\PD\H[SHULHQFH
GLDUUKRHDYRPLWLQJVHL]XUHVDQGMLWWHULQHVVLUUHJXODUVOHHSSDWWHUQVFU\
XQFRQWUROODEO\DQGEHGLIILFXOWWRFRPIRUW
•
,I\RXVXVSHFW)$6DVDSRVVLEOHFDXVHRI\RXUEDE\RUFKLOG¶VXQVHWWOHG
EHKDYLRXULWLVDGYLVDEOHWRVHHNVXSSRUWDQGPDLQWDLQUHJXODUDSSRLQWPHQWVZLWK
\RXU&KLOG+HDOWKFOLQLF$OVROLPLWWKHQXPEHURIFDUHJLYHUVWKDW\RXUEDE\KDV
$YRLG\RXUJUDQGFKLOGJHWWLQJRYHUWLUHGDQGNHHSEDE\¶VVFKHGXOHOLPLWHGWRDOORZ
GHHSVOHHSF\FOHVIRUKHDOLQJ
•
68%67$1&($'',&7,21)RHWDO$OFRKRO6\QGURPH
•
)$6LVGHILQHGE\DVHWRIFKDUDFWHULVWLFVZKLFKLQFOXGHGLVWLQFWLYHIDFLDO
IHDWXUHVVPDOOH\HVIODWOLSVDQGRWKHUVIHWDOJURZWKDQGZHLJKWGHILFLHQFLHV
OHDUQLQJGLIILFXOWLHVDQGLQWHOOHFWXDOLPSDLUPHQWDIIHFWLQJUHDVRQLQJVNLOOV
MXGJHPHQWDQGPHPRU\KHDULQJDQGVSHHFKSUREOHPVEHKDYLRXUDOGLIILFXOWLHV
LQFOXGLQJK\SHUDFWLYLW\DQGHPRWLRQDOYRODWLOLW\
•
$OWKRXJKLWLVQRZZLGHO\DFFHSWHGWKDWSUHQDWDOH[SRVXUHWRDOFRKRO
FDQFDXVHDOLIHWLPHRIGLVDELOLW\WKHGLDJQRVLVDQGWUHDWPHQWRI)$6LVVWLOO
LQWKHHDUO\VWDJHVLQ$XVWUDOLD)RUWKLVUHDVRQ)$6KDVEHHQFRLQHGDQµLQYLVLEOH
GLVDELOLW\¶DQGWKHUHDUHFXUUHQWO\QRPHFKDQLVPVLQSODFHLQ$XVWUDOLDIRU
GLVDELOLW\VXSSRUWIRUSHRSOHGLDJQRVHGZLWK)$6
•
7KHGLDJQRVLVRI)$6UHTXLUHVDFRPSUHKHQVLYHDVVHVVPHQWE\DWHDP
RIWUDLQHGVSHFLDOLVWVEHJLQQLQJZLWKDUHIHUUDOIURP\RXU*3WR\RXU
SDHGLDWULFLDQQHXURORJLVWRUSV\FKLDWULVW,IGRFWRUVDUHQRWVSHFLDOO\WUDLQHGWR
UHFRJQLVH)$6KRZHYHULWFDQEHDQGRIWHQLVPLVGLDJQRVHGDV$''$'+'
RUDXWLVP
68%67$1&($'',&7,21)RHWDO$OFRKRO6\QGURPH
•
7KH1DWLRQDO2UJDQLVDWLRQIRU)HWDO$OFRKRO6\QGURPHDQG5HODWHG'LVRUGHUV
12)$6$5'LV$XVWUDOLD¶VSHDNERG\UHSUHVHQWLQJFDUHUVDQGRWKHUVDIIHFWHGE\RU
LQWHUHVWHGLQ)$67KH\RIIHUDGYRFDF\WHOHSKRQHDQGHPDLOVXSSRUWDQGFDQEHUHDFKHGE\
FRQWDFWLQJ6XH0LHUVRQ32%R[%ODFNZRRG6$(PDLODGGUHVV
VXH#QRIDVUDGRUJDXRUFRQWDFWWKHPRQOLQHDWZZZQRIDVDUGRUJ
•
12)$6$5'DGYLVHVWKDWWKHUHDUHVHYHUDOZD\VWRPDQDJHDQGFDUHIRU
LQIDQWVDQG\RXQJFKLOGUHQDIIHFWHGE\)$62YHUVWLPXODWLRQHVSEULJKWOLJKW
QRLVHORXGPXVLF79RUUDLVHGYRLFHVVKRXOGEHDYRLGHG0DLQWDLQDVFDOPDQ
HQYLURQPHQWDVSRVVLEOHXVLQJVRRWKLQJSDVWHOFRORXUVDQGNHHSURXWLQHVVDIHDQG
SUHGLFWDEOH(QVXUHJRRGH\HFRQWDFWZKHQJLYLQJ\RXQJFKLOGUHQZDUQLQJVDQG
LQVWUXFWLRQV
•
<RXFDQILQGRXWPRUHLQIRUPDWLRQLQWKHERRNE\(OL]DEHWK5XVVHOO1R
%ODPH1R6KDPHZKLFKGHWDLOVKRZSUHQDWDOH[SRVXUHWRDOFRKROKDVDIIHFWHGWKH
OLYHVRI$XVWUDOLDQVLQFOXGLQJKHUWZRVRQV7KHERRNFDQEHRUGHUHGRQOLQHIURP
ZZZHOL]DEHWKUXVVHOOFRPDX
)2(7$/$/&2+2/63(&7580',625'(5&+(&./,67
•
,VWKHUHDKLVWRU\RIPDWHUQDODOFRKROFRQVXPSWLRQGXULQJSUHJQDQF\" <(6 12
+DV\RXUFKLOGH[SHULHQFHGDQ\RIWKHIROORZLQJ
•
&DOOHGD³IDLOXUHWRWKULYH´FKLOG" •
<(6 12
/DEHOOHGFRQGXFWEHKDYLRXUGLVRUGHUHG"
<(6 12
•
/HDUQLQJGLVDELOLWLHVHVSHFLDOO\PDWKV"
<(6 12
•
'LIILFXOW\FRQFHQWUDWLQJRUVWD\LQJRQWDVN" <(6 12
•
'LIILFXOW\OHDUQLQJIURPPLVWDNHVDQGFRQQHFWLQJEHKDYLRXUWRFRQVHTXHQFHV"
<(612
•
'LDJQRVHGDV$WWHQWLRQ'HILFLW+\SHUDFWLYLW\'LVRUGHU$'+'"
<(6 12
•
'LDJQRVHGZLWKDPHQWDOKHDOWKGLVRUGHU" <(6 12
•
(DUKHDULQJSUREOHPVVHHLQJH\HSUREOHPVWHHWKMDZPDOIRUPDWLRQVRUQHHGLQJEUDFHV"
<(6 12
7+,6&+(&./,67&217,18(6217+(5(9(56(2)7+,6&$5'
68%67$1&($'',&7,2108060HWKDGRQH
•
08060RWKHUV8VLQJ0HWKDGRQHDQGRURWKHUVXEVWDQFHVLVDIUHHDQG
FRQILGHQWLDOVHUYLFHIRUSUHJQDQWZRPHQZKRDUHXQGHUJRLQJPHWKDGRQH
WUHDWPHQWRUPLVXVLQJRWKHUGUXJVDQGVXEVWDQFHV
•
0806ZDVODXQFKHGLQDVDUHVSRQVHWRWKHKLJKOHYHOVRIGUXJXVH
LQWKHUHJLRQDQGGXHWRUHVHDUFKZKLFKVXJJHVWVWKDWSUHJQDQWZRPHQXVLQJ
VXEVWDQFHVRIWHQKDYHLUUHJXODUDQWHQDWDOFDUH
•
7KH0806SURJUDPHQDEOHVSUHJQDQWZRPHQWRDFFHVVDZLGHUDQJHRI
VXSSRUWVHUYLFHVSURYLGHGE\DWHDPRIDOOLHGKHDOWKSURIHVVLRQDOVZKLFK
LQFOXGHVGRFWRUVQXUVHVPLGZLYHVGUXJDQGDOFRKROFRXQVHOORUVDQGVRFLDO
ZRUNHUVIURPKRVSLWDOVDQGFRPPXQLW\KHDOWKFHQWUHV
•
7KHSXUSRVHRIWKHVHUYLFHLVWRPLQLPLVHDQ\KDUPWRERWKPRWKHUDQG
EDE\ZKLFKPD\RFFXUDVUHVXOWRIVXEVWDQFHXVH
)2(7$/$/&2+2/63(&7580',625'(5&+(&./,67
•
'LIILFXOW\PDLQWDLQLQJIULHQGVKLSVRUJHWWLQJDORQJZLWKDJURXS"
<(6 12
•
,QDELOLW\WRPDQDJHPRQH\" <(6 12
•
7URXEOHZLWKWKHSROLFH" <(6 12
)RUPRUHLQIRUPDWLRQDERXW)$6'YLVLWWKH12)$6$5'ZHEVLWH
ZZZQRIDVDUGRUJDX
5HSURGXFHGZLWKWKHNLQGSHUPLVVLRQRIWKH1DWLRQDO2UJDQLVDWLRQIRU)HWDO$OFRKRO6\QGURPH
DQG5HODWHG'LVRUGHUV12)$6$5'
68%67$1&($'',&7,2108060HWKDGRQH
%DELHVERUQWRZRPHQZKRKDYHEHHQFKHPLFDOO\GHSHQGHQWGXULQJ
SUHJQDQF\PD\EHDWULVNRI1HRQDWDO$EVWLQHQFH6\QGURPH1$6
ZKHUHE\LQIDQWVH[SHULHQFHZLWKGUDZDOV\PSWRPVGXULQJWKHILUVWZHHNVRIWKHLUOLIH
3OHDVHUHIHUWRWKHFDUGRQ1$6IRUPRUHGHWDLOV
•
0806DLPVWRKHOSGHFUHDVHWKHLQFLGHQFHRI1$6LQEDELHVE\DWWUDFWLQJ
PRWKHUVLQWRWUHDWPHQWZKRPLJKWQRWXVXDOO\DFFHVVDQWHQDWDOVHUYLFHV7KHDLPLV
WRSURYLGHDQDFFHSWLQJQRQMXGJHPHQWDOUDQJHRIVXSSRUWV\VWHPVWKXV
LPSURYLQJRYHUDOOKHDOWKRXWFRPHV
•
,I\RXKDYHDQLQIDQWLQ\RXUFDUHDIIHFWHGE\PHWKDGRQHGXULQJ
SUHJQDQF\LWLVLPSRUWDQWWREHDZDUHWKDWZKLOHVRPHZLWKGUDZDOV\PSWRPV
PD\RFFXUZLWKLQKRXUVDIWHUELUWKRWKHUVPD\RFFXUDVORQJDV±GD\VODWHU
•
•
0806RSHUDWHVZHHNGD\VEHWZHHQDP±SP&RQWDFWQXPEHUVDUH/LVPRUH
DUHDDQG%\URQ6KLUH&RQWDFWWKHVHUYLFHIRURWKHU
QXPEHUVLQ\RXUDUHD͘
68%67$1&($'',&7,2108060HWKDGRQH
6WXGLHVVKRZWKDWLQEDELHVERUQWRPRWKHUVXVLQJPHWKDGRQHGXULQJ
SUHJQDQF\KDYHZLWKGUDZDOV\PSWRPVPLOGHQRXJKWRQRWUHTXLUH
SKDUPDFRORJLFDOWUHDWPHQW
•
0RVWEDELHVVKRZVRPHVLJQVRIZLWKGUDZDOKRZHYHU3ULPDU\ZLWKGUDZDO
V\PSWRPVZLOOEHWUHDWHGGXULQJD±GD\KRVSLWDOVWD\ZLWKVXSSRUWLYHFDUH
FRPIRUWLQJVZDGGOLQJDFDOPHQYLURQPHQWDQGIUHTXHQWVPDOOIHHGVRU
PHGLFDWLRQIRUPRUHVLJQLILFDQWV\PSWRPV7KHPRWKHUDQGRUIDPLO\DUH
HQFRXUDJHGWRVSHQGDVPXFKWLPHDVSRVVLEOHZLWKWKHLQIDQWGXULQJWKHWUHDWPHQW
SHULRGZLWKDWWHQWLRQJLYHQWRLQFUHDVHGFXGGOLQJDQGFRPIRUWLQJ
•
6RPHVXEDFXWHZLWKGUDZDOV\PSWRPVPD\RFFXUDVORQJDVIRXUWRVL[
PRQWKVDIWHUELUWKDQGFDQLQFOXGHVHL]XUHV,WLVDGYLVDEOHWKDWFDUHUVEHDZDUH
RIRWKHUVLJQVRIZLWKGUDZDOVXFKDVUHVWOHVVQHVVDQGLUULWDELOLW\EUHDWKLQJ
GLIILFXOWLHVKLJKSLWFKHGFU\LQJDQGLUUHJXODUVOHHSSDWWHUQV$Q\FRQFHUQVVKRXOG EHEURXJKWWRWKHDWWHQWLRQRI\RXUGRFWRU
•
0HWKDGRQHRUKHURLQXVHKDVQRWEHHQOLQNHGWRSK\VLFDODEQRUPDOLWLHV
LQEDELHV
•
$'',&7('%$%,(61HRQDWDO$EVWLQHQFH6\QGURPH
1HRQDWDO$EVWLQHQFH6\QGURPH1$6UHIHUVWRWKHZLWKGUDZDOSURFHVVWKDWDEDE\JRHV
WKURXJKDVDUHVXOWRILQXWHURH[SRVXUHWRDUDQJHRIGUXJV7KHVHPD\LQFOXGHRSLDWHVKHURLQ
PHWKDGRQHDQGEXSUHQRUSKLQHDVZHOODVVRPHVWLPXODQWVVHGDWLYHVDQWLGHSUHVVDQWVDQGDOFRKRO,I
WKHPRWKHUKDVXVHGDQ\RIWKHVHVXEVWDQFHVZKLOHSUHJQDQWWKH\ZLOOKDYHEHHQSDVVHGWKURXJKWKH
SODFHQWDWRWKHIRHWXVFDXVLQJGHSHQGHQFHDQGVXEVHTXHQWZLWKGUDZDOV\PSWRPVZKHQWKHLQIDQWLV
ERUQ
,WLVHVWLPDWHGWKDWPDWHUQDORSLDWHXVHFDXVHVZLWKGUDZDOHIIHFWVLQRYHUKDOIRIQHZERUQEDELHVH[SRVHG
SUHQDWDOO\1$6LVGLDJQRVHGE\REWDLQLQJDQDFFXUDWHUHSRUWRIWKHPRWKHU¶VGUXJXVDJHLQFOXG
LQJWKHWLPHRIWKHODVWGUXJWDNHQDVZHOODVE\SHUVRQDOREVHUYDWLRQRIWKHLQIDQWDQGWKHXVHRIDQHR
QDWDODEVWLQHQFHVFRULQJV\VWHPDVVHVVPHQWWRRO1HZERUQVZLOOEHPRQLWRUHGIRUZLWKGUDZDOVLJQVLQWKH
ILUVW±KRXUVVRRQHUZLWKDOFRKRODQGIRUORQJHULIWKHPRWKHUKDVEHHQRQPHWKDGRQHWUHDWPHQW
1$6FDQWDNHXSWRGD\VWRUHDFKSHDNVHYHULW\
%DELHVVXIIHULQJIURP1$6H[KLELWDZLGHUDQJHRIZLWKGUDZDOV\PSWRPVZKLFKPD\YDU\DFFRUGLQJ
WRZKLFKGUXJVWKH\KDYHEHHQH[SRVHGWR%DELHVPD\H[SHULHQFHSUREOHPV6XFKDVVHL]XUHVWUHPRUVDQG
PXVFOHVSDVPVDKLJKGHJUHHRIDJLWDWLRQDQGLUULWDELOLW\UDSLGDQGODERXUHGEUHDWKLQJVZHDWLQJIHHGLQJ
GLIILFXOWLHVH[FHVVLYHDQGKLJKSLWFKHGFU\LQJDQGRWKHUVLJQVRIGLVWUHVV%DELHVLQZLWKGUDZDODUHDOVRH[WUD
VHQVLWLYHWRQRLVHDQGOLJKWLQGLFDWLQJWKHQHHGIRUDFDOPGLPHQYLURQPHQW0RVWEDELHVGLDJQRVHGZLWK
1$6DUHUHTXLUHGWRVWD\LQKRVSLWDOIRUDPLQLPXPRIGD\V
68%67$1&($'',&7,2108060HWKDGRQH
•
$OWKRXJKVRPHVSHHFKSHUFHSWXDODQGFRJQLWLYHGLVWXUEDQFHVKDYHEHHQUHSRUWHGLQ
WRGGOHUVH[SRVHGWRRSLDWHVGXULQJELUWKPRVWUHVHDUFKVXJJHVWVWKDWLIDFKLOGLV
UDLVHGLQDVDIHVXSSRUWLYHIDPLO\HQYLURQPHQWWKH\DUHXQOLNHO\WRVXIIHUIURPDQ\
ORQJWHUPEHKDYLRXUDORUOHDUQLQJSUREOHPV
•
)DPLOLHV)LUVWLVD16:6WDWH*RYHUQPHQW,QLWLDWLYHWKDWDLPVWRVXSSRUW
DQGDVVLVWSDUHQWVDQGFDUHUVRIFKLOGUHQXQGHUWKHDJHRIHLJKW7KH\DUH
DEOHWRSURYLGHSRVWQDWDOKRPHYLVLWVIRUKLJKULVNSUHJQDQFLHVDQGPD\EH
FRQWDFWHGWKURXJK\RXUORFDOFRPPXQLW\KHDOWKFHQWUH
•
0RUHLQIRUPDWLRQRQSHULQDWDODQGQHRQDWDOFOLQLFDOPDQDJHPHQWFDQEH
REWDLQHGIURPWKH&KHPLFDO8VHLQ3UHJQDQF\VHUYLFH&836RQ
$'',&7('%$%,(61HRQDWDO$EVWLQHQFH6\QGURPH
,QXWHURH[SRVXUHWRDOFRKROLVSDUWLFXODUO\GDQJHURXVFDXVLQJERWK
ORQJODVWLQJZLWKGUDZDOV\PSWRPVDVZHOODVWKHSRWHQWLDOIRUSHUPDQHQWELUWKGHIHFWV
$PSKHWDPLQHXVHGXULQJSUHJQDQF\KDVEHHQOLQNHGWRORZELUWKZHLJKWDQG
SUHPDWXUHELUWKDQGDQLQFUHDVHGOLNHOLKRRGRILQWUDFUDQLDOLQQHUKHDGEOHHGLQJLQWKHEDE\
+HURLQZLWKGUDZDOPD\EHJLQDVHDUO\DVKRXUVDIWHUELUWKDQGFDUULHVDQLQFUHDVHGULVNRI
VHL]XUHV
,I\RXDUHFDULQJIRUDJUDQGFKLOGZKRKDVKDGWKHVHNLQGVRILVVXHVPDLQWDLQUHJXODU
DSSRLQWPHQWVZLWK\RXUGRFWRUHDUO\FKLOGKRRGKHDOWKFOLQLFDQGSDHGLDWULFLDQ,WLV
OLNHO\\RXZLOOQHHGH[WUDVXSSRUWGXULQJWKHILUVWIHZPRQWKVRI\RXUEDE\¶VOLIHDQG\RXU
KHDOWKSURIHVVLRQDOVPD\EHDEOHWRDVVLVW\RXLQDFFHVVLQJRWKHUVHUYLFHV
7KH)DPLO\6XSSRUW1HWZRUNFDQEHUHDFKHGRQDQGFDQSURYLGH
KRPHKHOSIRUIDPLOLHVZLWKQHZERUQLQIDQWV
•
•
•
•
•
Jumbana in Casino: 6662 2866
Grafton: 6643 1333
Tweed Heads: (07) 5506 7 558
Byron Bay: 6685 3023
Ballina: 6686 6889
Neighbouring areas also have Early Intervention Services:
The Summerland Early Intervention Program is an early childhood
education program for children from birth to school-age with
developmental delays or disabilities.
This service provides assessment, therapy, educational programs,
information & support for parents.
Mon - Fri: 8.30am to 4.30pm. Phone: (02) 6621 6421
Rifle Range Rd, East Lismore, PO Box 5086, East Lismore
What should be of concern?
Autism spectrum disorders
Disruptive disorders
Resources for carers
This section is about where to get help caring for children who have developmental delays or
disabilities. Here you can read information about:
SPECIAL
NEEDS
&KLOGUHQZLWK6SHFLDO1HHGV:KHQVKRXOG,ZRUU\"
,I\RXKDYHDQ\FRQFHUQVDERXW\RXUJUDQGFKLOGGRQ¶WEHDIUDLGWKDW\RXZLOOEHFRQVLGHUHGIRROLVK
LI\RXDVNUHSHDWHGO\IRUDVVHVVPHQWV,WLVDOZD\VEHVWIRUWKHFKLOGLIWKHUHLVDQ\WKLQJDPLVV
WKDWLWLVGLVFRYHUHGHDUO\7UXVW\RXULQWXLWLRQDERXWWKLVLI\RXIHHOWKDWVRPHWKLQJLVQRWULJKW
YLVLW&RPPXQLW\+HDOWKDQGDVNWKHPIRUDQDVVHVVPHQW
/DQJXDJH7KLVLQIRUPDWLRQIURPWKH&<+VLWHDWKWWSZZZF\KVDJRYDX
&KLOGUHQ
VODQJXDJHGHYHORSVGLIIHUHQWO\IRUGLIIHUHQWFKLOGUHQKRZHYHUWKH\JHQHUDOO\IROORZWKH
VDPHSDWWHUQ6RPHFKLOGUHQXVHDFRXSOHRIZRUGVEHIRUHWKH\DUHD\HDUROGRWKHUVGRQRWVSHDN
XQWLOWKH\DUHRYHUWZR*HQHUDOO\\RXVKRXOGKDYH\RXUFKLOGFKHFNHGLIDVDEDE\KHGRHVQRWWXUQ
KLVKHDGWRVRXQGV+HDULQJSUREOHPVRIWHQFDXVHVSHHFKGLIILFXOWLHV,I\RXUJUDQGFKLOGKDVKDGDORW
RIHDUDFKHDQGFROGV\RXPD\QHHGWRKDYHWKHPFKHFNHGIRUZKDWLVFDOOHG³JOXHHDU´
<RXVKRXOGDOVRVHH\RXUGRFWRURUDVSHHFKSDWKRORJLVWLI\RXUFKLOGGRHVQRWXQGHUVWDQGVLPSOH
LQVWUXFWLRQVE\WZR\HDUVRUKDVQRZRUGVE\PRQWKVWR\HDUV%\IRXUFKLOGUHQ
VVSHHFK
VKRXOGEHDEOHWREHXQGHUVWRRGPRVWRIWKHWLPH
,I\RXUIDPLO\LVILQGLQJLWGLIILFXOWWRFRSHDQG\RXKDYHORVWFRQILGHQFHLQKRZWRGHDOZLWK\RXU
JUDQGFKLOG¶VEHKDYLRXURUWKHLUEHKDYLRXULVGLVUXSWLQJ\RXUJUDQGFKLOG¶VOLIHDWSUHVFKRROGD\FDUH
VFKRROHWFRULWOHDGVWRWKHPRUVRPHRQHHOVHEHLQJKXUWVHHNKHOS6SHDNWR\RXU*3RU
&RPPXQLW\+HDOWKVWDIIDQGDVNDQDVVHVVPHQWIRU\RXUJUDQGFKLOG
6SHFLDO1HHGV5HVRXUFHVIRU&DUHUV
•
•
•
•
•
&DUHUVDUHXVXDOO\IDPLO\PHPEHUVFDULQJIRUDQGDVVLVWLQJFKLOGUHQRUDGXOWVZLWKDGLVDELOLW\
DQGPD\EHHOLJLEOHWRUHFHLYHVXSSRUWIURPDYDULHW\RIVRXUFHV
'HSDUWPHQWRI$JHLQJ'LVDELOLW\+RPH&DUH/LVPRUH%UDQFK /HYHO
0ROHVZRUWK6W/LVPRUH16:LQIRUPDWLRQOLQH
ZZZGDGKFQVZJRYDX±SURYLGHDZLGHUDQJHRIVXSSRUWVZLWKHYHU\DVSHFWRIOLIHIRUFKLOGUHQ
ZLWKDGLVDELOLW\DQGWKHLUFDUHUV
7KH)DU1RUWK&RDVW&DUHOLQN&HQWUHKDVLQIRUPDWLRQRQUHJLRQDOVHUYLFHVDQGFDQEHFRQ
WDFWHGRQ)UHHFDOORUHPDLOJHQHUDO#FUFFIQFRUJ
)RUPRUHLQIRRQVHUYLFHVIRUFDUHUVFRQWDFW7KH&RPPRQZHDOWK&DUHU
5HVRXUFH&HQWUH±)UHHFDOO
&DOOWKH&DUHU5HVSLWH&HQWUHLI\RXDUHQHHGRIDEUHDN
&DUHUV16:DUHWKHSHDNRUJDQLVDWLRQIRUFDUHUVLQ16:7KH\RIIHUDUDQJHRI
VHUYLFHVUHVRXUFHVUHIHUUDOVDQGDGYRFDF\IRUUHODWLYHVDQGIULHQGVZKRDUHFDULQJIRUSHRSOH
ZLWKDGLVDELOLW\PHQWDOKHDOWKSUREOHPFKURQLFFRQGLWLRQRUZKRDUHIUDLODJHG
&KLOGUHQZLWK6SHFLDO1HHGV(DUO\,QWHUYHQWLRQ6HUYLFHV
(DUO\LQWHUYHQWLRQVHUYLFHVSURYLGHVXSSRUWIRULQIDQWVDQG\RXQJFKLOGUHQZLWKGHYHORSPHQWDO
GHOD\VRUGLVDELOLWLHVDQGWKHLUIDPLOLHV7KH\FDQSURYLGHDVVHVVPHQWWKHUDS\HGXFDWLRQ
SURJUDPVFRXQVHOOLQJVXSSRUWJURXSVDQGDGYRFDF\
•6XPPHUODQG(DUO\,QWHUYHQWLRQ3URJUDP
2SHQ0RQGD\±)ULGD\DP±SP
HPDLOVXPPHUODQGHL#KRWPDLOFRP
•&DVLQR-XPEXQQD(DUO\,QWHUYHQWLRQ&HQWUH
2SHQ0RQGD\±)ULGD\DP±SP+LJK6W&DVLQR
•%\URQ%D\
•%DOOLQD
•(DUO\,QWHUYHQWLRQ$XVWUDOLD16:&KDSWHU,QF
ZZZHFLDQVZRUJDX
•(DUO\&KLOGKRRG,QWHUYHQWLRQ,QIRUPDWLRQOLQH
6SHFLDO1HHGV5HVRXUFHVIRU&DUHUV
)RUFDUHULQIRVXSSRUWDQGFRXQVHOOLQJFRQWDFW&DUHUV16:EHWZHHQDP±SP)UHH
FDOORU)RUFDUHUVUHTXLULQJHPHUJHQF\UHVSLWHFDOO
RUDIWHUKRXUV/LIHOLQH<RXPD\DOVRRUGHUD&DUHU6XSSRUW.LW
DYDLODEOHLQODQJXDJHVLQFOXGLQJDNLWIRUSHRSOHRI$ERULJLQDORU7RUUHV6WUDLW,VODQG
GHVFHQWZKLFKFRPHVZLWKDUHOD[DWLRQWDSHRU&'E\SKRQLQJ&DUHUV16:RURUGHURQOLQH
ZZZFDUHUVQVZDVQDX
&DUHU6XSSRUWJURXSVPHHWRQDUHJXODUEDVLVWRGLVFXVVWKHLUVLWXDWLRQVVRFLDOLVHVKDUH
LQIRUPDWLRQDQGRIIHUHDFKRWKHUVXSSRUW
&DUHUVRIDQ\FDUHVLWXDWLRQVXSSRUWJURXSPHHWVDW%\URQED\&RPPXQLW\+HDOWK
&HQWUHDW%\URQ%D\+RVSLWDO6KLUOH\6WHYHU\QG0RQGD\±SP
&RQWDFW1DWDOLH-R\
•
0HQWDOKHDOWKFDUHUVXSSRUWJURXSPHHWVDWWKH/LVPRUH:RUNHU¶V&OXE.HHQ6W
/LVPRUHRQWKHVW0RQGD\LQPRQWKDP±SP&RQWDFW5RELQ.LWFKLQJ
•
)RUWUDQVSRUWDQGUHVSLWHFDUHVR\RXPD\DWWHQGVXSSRUWJURXSVFRQWDFWWKH
&RPPRQZHDOWK&DUHU5HVSLWH&HQWUH
•
6SHFLDO1HHGV$XWLVP6SHFWUXP'LVRUGHU
7KHWHUPDXWLVPVSHFWUXPGLVRUGHUVPRUHFRPPRQO\UHIHUUHGWRDVDXWLVPLVDQXPEUHOODGHVFULSWLRQZKLFK
LQFOXGHV$XWLVWLFGLVRUGHU$VSHUJHU¶VGLVRUGHU¶$W\SLFDODXWLVP$XWLVPVSHFWUXPGLVRUGHUVDUHOLIHORQJGLVDELOLWLHV
WKDWDIIHFWWKHZD\DSHUVRQFRPPXQLFDWHVDQGUHODWHVWRRWKHUSHRSOHDQGWKHZRUOGDURXQGWKHP
3HRSOHDIIHFWHGE\DXWLVPW\SLFDOO\GLVSOD\PDMRULPSDLUPHQWVLQWKUHHDUHDV
6RFLDOLQWHUDFWLRQFRPPXQLFDWLRQDQGEHKDYLRXUUHVWULFWHGLQWHUHVWVDQGUHSHWLWLYHEHKDYLRXUV
7KHVHDUHFRPPRQO\UHIHUUHGWRDVWKH7ULDGRI,PSDLUPHQWV
0DQ\SHRSOHZLWKDQDXWLVPVSHFWUXPGLVRUGHUDOVRKDYHVHQVRU\VHQVLWLYLWLHVLHRYHURUXQGHUVHQVLWLYLW\WR
VLJKWWRXFKWDVWHVPHOOVRXQGWHPSHUDWXUHDQGSDLQ%HFDXVHRIWKHLULPSDLUPHQWVSHRSOHZLWKDXWLVP
VSHFWUXPGLVRUGHUVRIWHQH[SHULHQFHRYHUZKHOPLQJDQ[LHW\IUXVWUDWLRQDQGFRQIXVLRQZKHQIDFHGZLWKWKH
GHPDQGVRIHYHU\GD\OLIH7KHPDMRULW\RISHRSOHZLWKDQDXWLVWLFGLVRUGHUDOVRKDYHDQLQWHOOHFWXDOGLVDELOLW\
ZKHUHDVWKRVHZLWK$VSHUJHU¶VGLVRUGHUDUHW\SLFDOO\RIDYHUDJHRUDERYHDYHUDJHLQWHOOLJHQFHPD\KDYH
UHODWLYHO\LQWDFWFRPPXQLFDWLRQVNLOOV
$OWKRXJKDXWLVPVSHFWUXPGLVRUGHUVDUHXVXDOO\SUHVHQWDWELUWKWKH\RIWHQGRQRWEHFRPHHYLGHQWXQWLOWKHDJH
RIRURURULQWKHFDVHRI$VSHUJHU¶VGLVRUGHU$XWLVPVSHFWUXPGLVRUGHUVDUHDERXWIRXUWLPHVPRUH
SUHYDOHQWLQER\VWKDQLQJLUOV5HFHQWLQWHUQDWLRQDOUHVHDUFKVXJJHVWVWKDWLQSHRSOHPD\KDYHVRPHIRUP
RIWKHGLVRUGHU
$XWLVP6SHFWUXP$XVWUDOLD$63(&7$XWLVP,QIRUPDWLRQOLQH
Autism Spectrum Australia http://www.autismnsw.com.au/publications/infosheets.asp
217+(5(9(56(2)7+,6&$5'6(($/,672)%(+$9,28567+$70$<,1',&$7(7+$7<28
1(('72+$9(<285*5$1'&+,/'$66(66('
'LVUXSWLYHGLVRUGHUV±EH\RQGQRUPDOQDXJKWLQHVV
:KDWDUH'LVUXSWLYH'LVRUGHUV"
'LVUXSWLYH'LVRUGHUVDUHZKDWKHDOWKSURIHVVLRQDOVFDOOWKHSUREOHPVRXUFKLOGUHQDUHKDYLQJZKHQWKH\KDYH
GLIILFXOW\LQIROORZLQJWKHUXOHVWKDWPRVWRWKHUFKLOGUHQDFFHSW
6RPHH[DPSOHVRIWKHVHSUREOHPVDUH
‡1RWGRLQJDVZHWHOOWKHP0RVWFKLOGUHQGLVREH\VRPHWLPHVEXWFKLOGUHQZLWKGLVUXSWLYHGLVRUGHUV
GLVREH\DOPRVWDOOWKHWLPHHYHQZKHQWKH\NQRZWKH\PD\EHSXQLVKHG
•+DYLQJWDQWUXPVWKDWDUHPXFKPRUHIUHTXHQWDQGVHYHUHWKDQWKHDYHUDJHFKLOGWKHLUDJH
‡%HFRPLQJDJJUHVVLYHDQGFDUU\LQJRXWGHVWUXFWLYHEHKDYLRXU7KLVPD\LQYROYHGDPDJHWRSHRSOH¶V
SURSHUW\RUVWHDOLQJRUWKUHDWHQLQJRUGDQJHURXVEHKDYLRXU
‡$OZD\VGLVDJUHHLQJDUJXLQJDQGPDNLQJVPDOOVLWXDWLRQVVHHPELJJHUWKDQWKH\UHDOO\DUH
&KLOGUHQZLWKGLVUXSWLYHGLVRUGHURIWHQZDQWWRKDYHWKHODVWZRUG
‡5HIXVLQJWRGRHYHU\GD\WDVNVVXFKDVKRPHZRUNDQGDWWHQGLQJWRSHUVRQDOFOHDQOLQHVV0RVWFKLOGUHQ
DUHOLNHO\WRKDYHXQWLG\URRPVDQGWREHKHVLWDQWWRKHOSZLWKWKHKRXVHZRUN+RZHYHUFRQVWDQWUHIXVDO
WRGRDQ\WKLQJWRKHOSDQGDGLVUHJDUGIRUEDVLFFOHDQOLQHVVDQGK\JLHQHLVOHVVFRPPRQ
‡$OOFKLOGUHQOLHHVSHFLDOO\LIWKH\DUHIULJKWHQHGRIJHWWLQJLQWRWURXEOHRUZDQWVRPHWKLQJGHVSHUDWHO\
+RZHYHUVRPHFKLOGUHQZLWKDGLVUXSWLYHGLVRUGHUOLHUHSHWLWLYHO\HYHQZKHQWKH\GRQRWQHHGWR
• &KLOGUHQZLWKDGLVUXSWLYHGLVRUGHURIWHQVKRZRWKHUDQWLVRFLDOEHKDYLRXUVVXFKDVH[FHVVLYHDQJHUDQG
VZHDULQJRIIHQVLYHEHKDYLRXUVXFKDVVSLWWLQJDWSHRSOHDQGUHSHDWHGO\GLVUHJDUGLQJWKHULJKWVDQG
IHHOLQJVRIRWKHUV
7KLVLQIRUPDWLRQIURP:HVWPHDG&KLOGUHQ¶V+RVSLWDO3XEOLFDWLRQ³'LVUXSWLYH'LVRUGHUVLQ&KLOGKRRG´KWWSZZZFKZHGXDXNLGV
6SHFLDO1HHGV$XWLVP6SHFWUXP'LVRUGHU
3RVVLEOHEHKDYLRXUDOLQGLFDWRUV
7KLVLVQRWDQH[KDXVWLYHOLVWEHKDYLRXUDOLQGLFDWRUVYDU\IURPSHUVRQWRSHUVRQ
•
,PSDLUHGFRPPXQLFDWLRQHJOLPLWHGMRLQWDWWHQWLRQ
GLIILFXOWLHVLQLQWHUSUHWLQJDQGXVLQJJHVWXUHV
•
)ODWIDFLDOH[SUHVVLRQDQGYRFDOWRQH
•
5HSHWLWLRQRISKUDVHVDQGZRUGV
•
,PSDLUHGFRPSUHKHQVLRQ
•
6HYHUHO\LPSDLUHGVRFLDOVNLOOVHJDQDSSDUHQWODFNRILQWHUHVWLQRWKHUSHRSOHQRWUHWXUQLQJDVPLOHRU
JUHHWLQJGLIILFXOWLHVLQLWLDWLQJDQGVXVWDLQLQJFRQYHUVDWLRQ
•
9HU\VSHFLILFDQGXQXVXDOSUHRFFXSDWLRQVDQGDWWDFKPHQWV
•
3UHIHUHQFHIRUURXWLQHV
5HVHDUFKDQGH[SHULHQFHKDYHVKRZQWKDWWKHHDUOLHUDFKLOGGLDJQRVHGZLWKDQDXWLVPVSHFWUXPGLVRUGHUFDQEH
HQUROOHGLQDQHDUO\LQWHUYHQWLRQSURJUDPWKHEHWWHUKLVRUKHURXWFRPHV$FRPELQDWLRQRIVSHFLDOHGXFDWLRQ
VSHHFKWKHUDS\RFFXSDWLRQDOWKHUDS\DQGEHKDYLRXUDOLQWHUYHQWLRQVKDVSURYHGWREHVXFFHVVIXOLQKHOSLQJ
SHRSOHZLWKDQDXWLVPVSHFWUXPGLVRUGHU(DUO\GLDJQRVLVDQGLQWHUYHQWLRQLVDOVRHVVHQWLDOWRHQVXUHIDPLOLHV
DQGFDUHUVKDYHDFFHVVWRDSSURSULDWHVHUYLFHVDQGSURIHVVLRQDOVXSSRUW
,WLVLPSRUWDQWWKDW\RXUHIHU\RXUFKLOGIRUDVSHFLDOLVWGLDJQRVWLFDVVHVVPHQWDVVRRQDVSRVVLEOHIROORZLQJ
GLVFXVVLRQZLWK\RXU*3\RXUFKLOG¶VSDHGLDWULFLDQRUORFDOFRPPXQLW\KHDOWKFHQWUHSURIHVVLRQDOV,I\RXFDQ
QRWILQGDORFDOH[SHUWFRQWDFW$XWLVP6SHFWUXP$XVWUDOLD$VSHFWZKRZLOOEHDEOHWRKHOS\RXZLWKDUHIHUUDO
WR\RXUQHDUHVWVRXUFHRIH[SHUWLVH$XWLVP6SHFWUXP$XVWUDOLD$63(&7
$XWLVP,QIRUPDWLRQOLQHZZZDVSHFWRUJDX
'LVUXSWLYHGLVRUGHUV±EH\RQGQRUPDOQDXJKWLQHVV
6RPHQDPHVJLYHQWRWKHH[WUHPHIRUPRIWKHVHEHKDYLRXUVDUH
•
•
2SSRVLWLRQDO'HILDQW'LVRUGHULVDWHUPXVHGWRGHVFULEHFKLOGUHQZKREHFRPHDQJU\TXLFNO\DQGDUJXHD
ORW2SSRVLWLRQDOGHILDQWGLVRUGHULVPRUHFRPPRQLQ\RXQJHUFKLOGUHQZKRIUHTXHQWO\GHI\WKHLUSDUHQWVDQG
WHDFKHUV7KHVHFKLOGUHQDUHQRWXVXDOO\FUXHOEXOO\LQJGHFHLWIXORUDQWLVRFLDOEXWWKH\PD\GHYHORSWKHVH
EHKDYLRXUVLIWKHLUSUREOHPVDUHQRWGHDOWZLWK
&RQGXFW'LVRUGHULVDWHUPXVHGWRGHVFULEHFKLOGUHQZKRKDYHWKHSUREOHPRIFRQVWDQWO\EUHDNLQJ
UHDVRQDEOHUXOHVVHWE\SDUHQWVRUWHDFKHUV
$WWHQWLRQ'HILFLW+\SHUDFWLYLW\'LVRUGHU$'+'LVDWHUPXVHGWRGHVFULEHRXUFKLOGUHQLIWKH\DUHPRUH
RYHUDFWLYHH[FLWDEOHGLVWUDFWLEOHDQGLPSXOVLYHWKDQPRVWRWKHUFKLOGUHQPRVWRIWKHWLPH$'+'
SUREOHPVPD\DOVREHDVVRFLDWHGZLWKDWWHQWLRQFRQFHQWUDWLRQDQGRWKHUOHDUQLQJSUREOHPV
$OOFKLOGUHQDQG\RXQJSHRSOHFDQEHGLIILFXOWVRPHWLPHV,QVRPHFKLOGUHQLWFDQEHDUHDFWLRQWRWKHVWUHVVRIZKDW
LVKDSSHQLQJWRWKHP,IZHDVSDUHQWVDUHJRLQJWKURXJKDGLYRUFHRURXUFKLOGUHQDUHOHDYLQJSULPDU\VFKRROWR
JRWRKLJKVFKRROWKHQRXUFKLOGUHQPD\EHFRPHYHU\VWUHVVHGDQGEHKDUGWROLYHZLWK%XWWKHVRUWRISUREOHPVZH
DUHGLVFXVVLQJKHUH±GLVUXSWLYHGLVRUGHUVLQFKLOGUHQ±ODVWORQJHUDQGDUHPRUHGLIILFXOW
&KLOGUHQZLWKDGLVUXSWLYHGLVRUGHUGRQRWDOZD\VUHVSRQGWRRXUFDUHDQGFRQFHUQDQGRIWHQSXVKDZD\WKRVHZKR
ZDQWWRKHOS
When do we need to seek professional help? 7KLVIDFWVKHHWVXJJHVWVWKDW,I\RXUIDPLO\LVILQGLQJLWGLIILFXOWWR
FRSHDQG\RXKDYHORVWFRQILGHQFHLQKRZWRGHDOZLWK\RXUJUDQGFKLOG¶VEHKDYLRXURUWKHLUEHKDYLRXULV
GLVUXSWLQJ\RXUJUDQGFKLOG¶VOLIHDWSUHVFKRROGD\FDUHVFKRROHWF., or it leads to them or someone else being hurt,
seek help. Speak to your GP or Community Health staff, and ask an assessment for your grandchild.
•
It is worth a drive to combine a lovely day out with stocking up
on things you need for the children.
In this section we cover what you might need for children 0-5 years, and
whereto buy cheaply both new, second hand and in op shops. We have
included a comprehensive guide to Op Shops on the north coast because
some towns, like Kyogle, have much cheaper Op Shops than others.
One of the best things about buying toddler’s gear at Thrift Shops is that you don’t have to
be too precious about children getting dirty in those clothes.
Babies grow so quickly that it can be a trap to buy expensive items for them to wear, and
then they grow out of them in no time at all. These days, many people support charities
by buying children’s clothes there and then donating them back again when they finish with
them. This is useful way of helping a great cause and saving yourself a lot of expense.
SHOPPING
6PDUW6KRSSLQJ(66(17,$/(48,30(17PRQWKV
&RWPDWWUHVV:KHQLWFRPHVWREX\LQJFRWVVDIHW\VKRXOGEHWKHQXPEHURQHFRQFHUQ/RRNIRURQHWKDW
PHHWVWKH$XVWUDOLDQVDIHW\VWDQGDUG$61=6KDVDVWXUG\IUDPHDQGVWURQJDGMXVWDEOHEDVH
PDNHVOLIWLQJEDE\RXWHDVLHUVPRRWKVXUIDFHVDQGFKLOGSURRIODWFKHV:DWFKRXWIRUDQ\SURWUXVLRQVWKDWD
FKLOG
VFORWKLQJFRXOGVQDJRQULVNLQJVWUDQJXODWLRQ,IWKHFRWKDVZKHHOVPDNHVXUHWKH\DUHORFNDEOH:KHQLW
FRPHVWRWKHPDWWUHVVRIWHQVROGVHSDUDWHO\LWVKRXOGILWVQXJO\ZLWKQRPRUHWKDQDFPJDSEHWZHHQLW
DQGWKHFRW
VVLGHVDQGHQGV)RUQHZERUQVEDVVLQHWVDUHLGHDOIRUWKHILUVWIHZPRQWKV7KH\PXVWKDYHDZHOO
ILWWHGPDWWUHVVJRRGYHQWLODWLRQDQGZKHHOVZKLFKORFNLI\RXZLVKWRPRYHLWDURXQG
%DE\PRQLWRUV
*UHDWIRUSHDFHRIPLQG/RRNIRURQHWKDWKDVERWKEDWWHU\DQGPDLQVSRZHUDVZHOODVYROXPHFRQWURODQLJKW
OLJKWDQGRQHZKLFKLQGLFDWHVVRXQGOHYHOE\OLJKWGLVSOD\LI\RXZDQWWRVHHWKHQRLVH\RXUJUDQGFKLOGPDNHV
UDWKHUWKDQKHDULW
&KDQJHWDEOHLW
VLPSRUWDQWWREX\DWDEOHWKDW
VWKHULJKWKHLJKWIRU\RX/RRNIRUHDVHRIXVHDQGVWXUGLQHVV
DVZHOODVDVDIHW\UHVWUDLQWDORWRIDFFLGHQWVKDSSHQZLWKEDELHVUROOLQJRIIFKDQJHWDEOHV&KDQJHWDEOHVDUHQ
W
DOZD\VDQHFHVVLW\,QVWHDG\RXFDQEX\DSDGGHGFKDQJHPDWZLWKUDLVHGVLGHVDQGVLPSO\FKDQJHWKHEDE\
ZKHUHYHUVXLWV\RX$WRZHORQWKHIORRURUEHGZRUNVMXVWDVZHOO
%DWKLQJ:KHQEDELHVDUHUHDOO\VPDOOWKH\FDQEHEDWKHGLQDODUJHSODVWLFWXERUODXQGU\VLQN²RU\RXFDQ
SXUFKDVHDEDE\EDWK/RRNIRURQHWKDW
VVWXUG\DQGWKLFNVLGHG
&DUVHDW±VHHVSHFLDOFDUGDERXWFDUVHDWV
217+(%$&.2)7+,6&$5'5($'$%2871$33,(6
6PDUW6KRSSLQJ(48,30(17PRQWKV •
PRQWKV
+LJKFKDLUFDUVHDWEHGSRUWDEOHFKDQJHPDWDQGJRLQJRXWEDJZLWKQDS
SLHVFKDQJHFORWKHVZLSHVSODVWLFEDJVIRUXVHGQDSSLHVDQWLVFHSWLF
KDQGZLSHVRUZDVK
•
%LEV
•
'ULQNLQJFXS'LQNHH'ULQNHHDW.PDUWERWWOHV
•
1DSSLHV3RWW\
•
3RZHUSRLQWFRYHUVIRUDW%LJ:
•
7RRWKEUXVK&ROJDWH0\)LUVWXSWRDJHRI
•
0D\UHTXLUHVDIHW\JDWHV
•
6OHHSLQJEDJRSWLRQDOEXWYRWHGWKHEHVWQXUVHU\LWHP
6PDUW6KRSSLQJ1DSSLHV
1$33,(61$33<352'8&76
61$33,(6DUHDQHZVDIHUSODVWLFQDSS\IDVWHQHUQRPRUHSLQSULFNV
&ORWKQDSSLHVFDQEHSXUFKDVHGIURPPRVWVHFRQGVKRSVKRZHYHUWKH\DUHQRWDVFRPPRQDVWKH\XVHGWREHVR
\RXPD\KDYHWRWU\DIHZVKRSVWRSXUFKDVHHQRXJK7U\WKH6DOYDWLRQ$UP\ILUVW
• &ORWKQDSSLHV'LFNLHVEUDQGIRU
#%LJ:
• 6DIHW\SLQV#%LJ:RU+DSS\
%DE\VDIHW\FOLSV
• 1DSLVDQ&ROHV:RROZRUWKVDQG$OGL
DURXQGIRUNJDQGIRUNJ
• +RPHEUDQG%DE\ZLSHVIRU#
&ROHVDQG:RROZRUWKV
• 61$33,(6±VHHWKHGLDJUDPDWOHIWIRUKRZWR
DSSO\
6PDUW6KRSSLQJ6KRSSLQJ2QOLQH ,I\RXKDYHDFFHVVWRDFRPSXWHUDQGWKHLQWHUQHWWKHUHDUHDIHZZHEVLWHVWRWU\
ZZZHED\FRPDX
ZZZWUDGLQJSRVWFRPDX
ZZZQRUWKHUQVWDUFRPDXZLOOEHXVHIXOWRFKHFNJDUDJHVDOHVDVZHOO
www.kidspot.com.au/category+43+Second-Hand,-Pre-loved.htm
ZZZ6LPSOH7UDGHFRPDX
www.baby-things.com/uk/index.asp
www.preciouslittleone.com/links/secondhand.asp
www.babygoods.com.au
ZZZURXQGQURXQGFRPDXDERXWBXVSKS
ZZZEDE\RQOLQHFRPDX
6PDUW6KRSSLQJ(66(17,$/(48,30(17
PRQWKV²\HDUV
•
7RLOHWWUDLQLQJVHDW
•
•
•
•
•
&DUVHDW±ERRVWHUVVHDWVFDQEHXVHGRQFH
DFKLOGLVNLORJUDPVRUPRUH
6LQJOHEHGDQGEHGJXDUGWRVWRSFKLOGUHQ
IDOOLQJRXW
%DVLF7R\V
%DE\'ROOVDQG
$FFHVVRULHVEODQNHWVFUDGOH
HWF
'UHVV8SV
%DOOVDQG+RRSV
7RRWKEUXVK&ROJDWHDJHV
6DQG7R\VDQG6DQGSLW
%XLOGLQJ%ORFNV
'D\SDFNRUEDJIRUFKLOGFDUHSUHVFKRRO
5LGH2Q7R\V
'ULQNERWWOHKDWDQGFROODUHGVKLUWIRUDOORXWVLGH 3HJ3X]]OHV
&DUVDQG7UXFNV
SOD\
5HDGDERXWFKRRVLQJVDIHWR\VIRUWRGGOHUVRQWKHEDFNRIWKLVFDUG
6PDUW6KRSSLQJ%DVLF7R\VIRU\HDUROGV
±\HDUROGVZLOOVWLOOHQMR\PDQ\RIWKHWR\VWKDW\RXQJHUNLGVORYHHVSHFLDOO\GROOVVDQGWR\VGUHVVXSV
DQGERRNV+HUHDUHEDVLFWR\VIRUSUHVFKRROHUV
0RGHOOLQJ'RXJK
$VLGHVIURPILQHPRWRUVNLOOVSUREOHPVROYLQJDQGVKHHUFUHDWLYLW\PRGHOOLQJGRXJKSURYLGHVWKHSHUIHFWRS
SRUWXQLW\IRUFKLOGUHQWRLPLWDWHDQGSOD\SUHWHQG<RXFDQHQFRXUDJHDQLQWHUHVWLQFRRNLQJE\SURYLGLQJDF
FHVVRULHVIRU\RXUFKLOGOLNHFRRNLHFXWWHUVUROOLQJSLQVEDNLQJWUD\VDQGSUHWHQGRYHQV
%XLOGLQJ%ORFNVDQG$FFHVVRULHV
8SXQWLODERXW\HDUVDJHFKLOGUHQZLOOVLPSO\EXLOGIRUEXLOGLQJVVDNHDQGODUJHWRZHUVZLOOEHVWDFNHGDQG
WRSSOHGRYHUDQGRYHUDQGRYHU+RZHYHUDWDURXQG\HDUVROGFKLOGUHQZLOOVWDUWWREXLOGSURMHFWVZKLFK
WKHQIRUPWKHEDVLVRIIXUWKHUSOD\7KLQJVOLNHIDUP\DUGVZLWKFRXQWOHVVSDGGRFNVDQGFLWLHVZLWKVSUDZOLQJ
URDGZD\VZLOOWDNHXS\RXUHQWLUHORXQJHIORRUDQGWKHJDPHLWVHOIFDQODVWIRUKRXUV7KHEHVWEORFNVIRUWKLV
DJHJURXSDUHELJIODWEORFNVZKLFKGRQ¶WKDYHWREHLQWHUFRQQHFWHG,SUHIHUZRRGHQEORFNVEXWWKHUHDUH
VRPHJRRGSODVWLFEORFNVRQWKHPDUNHWDOVR%ORFNSOD\DFFHVVRULHVOLNHIDUPDQLPDOVFDUVDQGWUXFNVURDG
VLJQVDQGEXLOGLQJVDUHJUHDWWR\VWRDGGDWWKLVDJHDQGZLOOUHDOO\KHOSWRH[WHQG\RXUFKLOG¶VSOD\
3DLQW&UD\RQVDQG&ROODJH0DWHULDOV±ZK\QRWVHWXSDQDUWDQGFUDIWFRUQHU"
7KHIHDURIWRRPXFKPHVVPHDQVPDQ\SDUHQWVOHDYHFUHDWLYHSOD\IRUNLQGHUJDUWHQRUGD\FDUHEXWSURYLGLQJ
FUHDWLYHSOD\IRU\RXUFKLOGGRHVQ¶WKDYHWRPHDQORWVRIPHVV<RXUFKLOGZLOOKDYHORWVRIIXQZLWKVLPSOHPD
WHULDOVOLNHMXPERFUD\RQVDQGSDSHUEODFNERDUGDQGFKDONRUFKLOGVL]HGVFLVVRUVDQGDSRWRIJOXH
0RUHWR\LGHDVRQWKHEDFNRIWKLVFDUG
&KRRVLQJWR\VZLWKVDIHW\LQPLQG
:KHQFKRRVLQJWR\VIRU\RXUWRGGOHUWKHUHDUHVHYHUDOWKLQJV\RXQHHGWRFRQVLGHUEXWPRVWLPSRUWDQWO\
WKHUHLVVDIHW\TXDOLW\DQGDJHDSSURSULDWHOHDUQLQJ
6DIHW\
2QFH\RXUFKLOGVWDUWVWRGGOLQJDURXQGWKHKRXVHWKH\JHWDVXGGHQJURZQXSORRNDERXWWKHPDQGLW¶V
HDV\WRUHOD[WKHVDIHW\UXOHVZLWKRXWHYHQWKLQNLQJ$WR\\RXZRXOGQ¶WGUHDPRIOHDYLQJZLWK\RXUPRQWK
ROGLVRIWHQJLYHQWRDQPRQWKROGZLWKRXWPXFKWKRXJKW7KHUHDOLW\LVWKHVDPHEDVLFVDIHW\UXOHV
DSSO\
7R\VVKRXOGEHELJJHUWKDQ\RXUILVWDQGFRQWDLQQRVPDOOSDUWV$VDJHQHUDOUXOHLIDQ\SDUWRIWKHWR\
FDQILWLQWRDILOPFDQLVWHU±LWLVQRWDSSURSULDWHIRU\RXUWRGGOHU
7RGGOHUVVWLOOSXWWKLQJVLQWKHLUPRXWKVRWR\VVKRXOGEHPDGHIURPQRQWR[LFPDWHULDOV
6KDUSHGJHVFDQHDVLO\FDXVHLQMXU\LI\RXUFKLOGWULSVDQGIDOOVDQGWUXVWPH±WKH\ZLOO0DNHVXUHWKDW
\RXUWRGGOHU¶VWR\VKDYHURXQGHGHGJHVZLWKQRVKDUSRUSURWUXGLQJSDUWV
7RGGOHUVHQMR\WR\VWKDWWKH\FDQGUDJDORQJEHKLQGWKHPDVWKH\WRGGOHDERXWEXWEHDZDUHWKDWORQJ
VWULQJVDQGFRUGVFDQFDXVHVWUDQJXODWLRQ0DNHVXUH\RXUWRGGOHUXVHVWKHVHWR\VXQGHUFORVHVXSHUYLVLRQ
)URPWKHRXWVWDQGLQJ1HZ=HDODQG:HEVLWHKWWSZZZNLZLIDPLOLHVFRQ]
%DVLF7R\VIRU\HDUROGV
0XVLFDO,QVWUXPHQWV
*RRGPXVLFDOLQVWUXPHQWVIRUWKLVDJHJURXSDUHPDUDFDV[\ORSKRQHVWULDQJOHVERQJRGUXPVDQGFDVWDQHWV
:RRGHQ-LJVDZ3X]]OHV
3X]]OHVDUHJUHDWSUREOHPVROYLQJWR\VDQGZLOOKHOSLQFUHDVH\RXUFKLOG¶VFRQFHQWUDWLRQVSDQDQGPHQWDODOHUW
QHVV,QWHUORFNLQJZRRGHQSX]]OHVZLWKDERXWODUJHSLHFHVDUHJRRGIRUWKLVDJHJURXSDQG\RXFDQEX\
WKHPZLWKRUZLWKRXWDWUD\$V\RXUFKLOGSURJUHVVHV\RXFDQLQWURGXFHSX]]OHVZLWKVPDOOHUSLHFHV
7ULF\FOHVDQG7UROOH\V
7ULF\FOHVDQGWUROOH\VDUHJUHDWRXWVLGHWR\VIRU\RXUFKLOGER\RUJLUODQGWKH\SURYLGHDFKDQFHWRJHWUHDOO\
SK\VLFDO
6WRU\WHOOLQJ(TXLSPHQW
7KLQJVOLNHKDQGSXSSHWVILQJHUSXSSHWVIODQQHORUPDJQHWLFVWRU\ERDUGVJLDQWERRNVSRVWHUVDQGVLPSOH
GUHVVXSVDOOPDNHVWRU\WHOOLQJDQH[FLWLQJDGYHQWXUH
)URPWKHRXWVWDQGLQJ1HZ=HDODQG:HEVLWHKWWSZZZNLZLIDPLOLHVFRQ]LQDQ$UWLFOH3UHVFKRRO7R\V
<HDUV3XEOLVKHG-XQH.HUUL7LOE\
(66(17,$/(48,30(17&DU6HDWV $:25'$%287&$56($76
7KH57$DGYLVHVWRRQO\XVHRUEX\DVHFRQGKDQGFDUVHDWZKHQ\RXNQRZWKHKLVWRU\RU
KDYHREWDLQHGLWIURPDUHOLDEOHVRXUFH(QVXUHLWKDVQRWEHHQLQDFDUDFFLGHQWGRHVQRW
KDYHZRUQVWUDSVEHQWRUZRUQEXFNOHVRUWKHDWWDFKPHQWSRLQWVLQWKHSODVWLFVKHOODUH
FUDFNHGRUGLVFRORXUHGIRUH[DPSOHIURPDJHRURYHUH[SRVXUHWRWKHVXQ
0RVWFKDULWLHVDQGVHFRQGKDQGVKRSVDUHOHJDOO\QRWDOORZHGWRVHOOFDUVHDWVIRUWKLV
UHDVRQ+RZHYHU\RXPD\EHDEOHWRSXUFKDVHRQHIURPDJDUDJHVDOHRUDUHOLDEOHVRXUFH
1(:
7DUJHW0RWKHUV&KRLFH5R\DOXSWRNJ
.PDUW%DE\ORYH3UHOXGHXSWRNJV
%LJ:=8=8$SROORXSWRNJV
6RPH%DE\6KRSV+LUH&DUVHDWVRXWEXWXVXDOO\RQIRUDSHULRGRIDPRQWKWRPD[LPXP
PRQWKVDQGGHSRVLWLVUHTXLUHG%DE\%HOOD/LVPRUH%DE\%DUQ7ZHHG+HDGV%\URQ
%DE\6KRS%DE\%XFNV%DOOLQD
6PDUW6KRSSLQJ7R\VDQG%RRNV
7R\VERRNVFDQEHERUURZHGIURPORFDO/LEUDULHV
•
/LEUDULHVDUHORFDWHGDW/LVPRUH*RRQHOODEDK$OVWRQYLOOH%\URQ%D\/HQQR[+HDG
0XOOXPELPE\&DVLQR&RUDNL(YDQV+HDGDQG.\RJOH%UXQVZLFN+HDGV.LQJVFOLII
0XUZLOOXPEDKDQG7ZHHG+HDGV:KHQ\RXMRLQDFKLOGWKH\UHFHLYHDIUHHERRNDW
DJHVPWKVPWKVPWKVDQGò
•
7R\/LEUDULHVDUHORFDWHGDW/LVPRUH%DOOLQDDQG%\URQ%D\7KH\DUHUXQE\YROXQWHHUV
DQGKDYHDVPDOOIHZWRERUURZWR\V
%DOOLQD5HJDWWD$YHQXH7XHV:HG6DWPRQWK
/LVPRUH*URXQG)ORRU&LW\/LEUDU\7XHV6DWDP\HDU
%\URQ%D\7KH&DELQ&QU-RQVRQ.LQJVOH\6W0RQ7KXUVDPSP\HDU
•
7R\VDQGERRNVFDQDOVREHSXUFKDVHGIURPJDUDJHVDOHVDQGPRVWVHFRQGKDQGVKRSV
•
'LVFRXQWVWRUHVOLNH&UD]\3ULFHV%LJ:.PDUWDQG7DUJHWDOOKDYHWR\VDQGERRNVDW
FKHDSHUSULFHVDQGUHJXODUO\KDYH7R\6DOHV-XO\
(66(17,$/(48,30(17&DU6HDWV :+(5(72*(7<285&$56($7),77('
'DQFHUV&DU&DUH%DOOLQDSDUWVLIUHTXLUHG
%DQNVLD0RWRU:RUN%\URQ%D\
(ULF%R[0LWVXELVKL&DVLQRSDUWVLIUHTXLUHG
/LVPRUH$XWR3HUIRUPDQFH/LVPRUHSDUWVLIUHTXLUHG
%DE\%DUQ7ZHHG+HDGVUHDUZDUGIDFLQJIRUZDUGIDFLQJ
DQGSDUWVLIUHTXLUHG
2QH6WRS7\UH$XWRPRWLYH
6PDUW6KRSSLQJ6HFRQG+DQG6KRSV •
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
6DOYDWLRQ$UP\%DOOLQD&DVLQR/LVPRUH6W9LQFHQW¶V$OVWRQYLOOH%DOOLQD%DQJDORZ%\URQ
&DVLQR(YDQV+HDG/LVPRUH.\RJOH/HQQR[+HDG
/LIHOLQH%DOOLQD%\URQ%D\&DVLQR.\RJOH/LVPRUH6RXWK/LVPRUH7ZHHG+HDGV
&DURRQD2SSRUWXQLW\6KRS/LVPRUH
%DOOLQD$QJOLFDQ2SSRUWXQLW\6KRS
%DQJDORZ
7UDVK5HF\FOHG&ORWKLQJ/HQQR[+HDG
%RZHUELUGV/LVPRUH
/L]]\V)XUQLWXUH/LVPRUH
7HQGHUFHQWUH/LVPRUHDQG7ZHHG+HDGV
:HVWSDF+HOLFRSWHU2SSRUWXQLW\6KRS/LVPRUH
/HDKVQG+DQG%DOOLQD
2OOH\V1HZ8VHG&DVLQR
*UHHQV&DVLQR7UDGLQJ
$XVVLH-XQN7ZHHG+HDGV
%REV1HZ8VHG)XUQLWXUH/LVPRUH
)DQWDVWLF)XUQLWXUH/LVPRUHDQG&RIIV+DUERXU
6PDUW6KRSSLQJ236KRSV/,6025( 2QWKHRWKHUVLGHRI
WKLVFDUG\RXZLOOVHH
DFRPSOHWHOLVWRI
WKHVL[236KRSVLQ
WKH/LVPRUHDUHD
6PDUW6KRSSLQJ236KRSV.<2*/( .\RJOHKDV2S6KRSVVHOOLQJFKLOGUHQ¶V
EHDGLQJERRNVWR\VDQGVRPHEDE\
IXUQLWXUHLILWFRPSOLHVZLWK$XVWUDOLDQ
VDIHW\VWDQGDUGV$OVRRIXVHLVWKH
YLVLWRULQIRUPDWLRQFHQWUHZLWKEXVLQHVV
DQGFKLOGUHQVHUYLFHV
•
•
•
•
/LIHOLQH
6XPPHUODQG:D\
.\RJOH
6W9LQFHQW'H3DXO6WRUH
6XPPHUODQG:D\
.\RJOH
&KXUFKRI(QJODQG2S6KRS±
6WUDWKHGHQ6W.\RJOH
6PDUW6KRSSLQJ2S6KRSV/,6025( /LVPRUHKDVPDQ\VHFRQGKDQGVKRSVVHOOLQJFKHDSNLGVFORWKHVEHGGLQJWR\V
DQGERRNV7KHVHVKRSVVHOOEDE\IXUQLWXUHHJSUDPVFRWVFKDQJHWDEOHVHWF
ZKHQGRQDWHGZLWKDFXUUHQW$XVWUDOLDQVDIHW\VWLFNHU/LVPRUHDOVRKDVDQLQGRRU
SOD\FDIH3OD\4XHVWDQG&DIHDWD&DUULQJWRQ6W/LVPRUH
7KHSOD\FDIHLVDJUHDWSODFHWRKDQJRXWRQUDLQ\GD\VRUORQJGD\VLQWRZQ
•
/LIHOLQH±/LVPRUH0DJHOODQ6W/LVPRUH
•
/LIHOLQH±/LVPRUH&DVLQR6W/LVPRUH
•
6W9LQFHQW'H3DXO6WRUH±/LVPRUH0DJHOODQ6W/LVPRUH
•
6DOYDWLRQ$UP\±&DUULQJWRQ6W/LVPRUH
•
&DURRQD2SSRUWXQLW\6KRS±.HHQ6W/LVPRUH
•
/LIHOLQH1RUWKHUQ5LYHUV±7KUHH&KDLQ5G6RXWK/LVPRUH
EDE\FDUVHDWVILWWHGDQGIRUKLUH
6PDUW6KRSSLQJ%<521%$<%$1*$/2:
%\URQ%D\KDVVHFRQGKDQGVKRSVVHOOLQJ
FKHDSNLGVFORWKHVEHGGLQJWR\VDQG
ERRNV7KHVHVKRSVVHOOEDE\IXUQLWXUHHJ
SUDPVFRWVFKDQJHWDEOHVHWFZKHQGR
QDWHGZLWKDFXUUHQW$XVWUDOLDQVDIHW\
VWLFNHU%\URQDOVRKDV.LGV:RUOG,QGRRU
3OD\&DIH%ULJDQWLQH6W%\URQ%D\3KRQH
DJUHDWSODFHWRKDQJRXWRQ
UDLQ\GD\VRUORQJGD\VLQWRZQ
•
/LIHOLQH±%\URQ%D\0DUYHO6W
%\URQ%D\
•
6W9LQFHQW'H3DXO6WRUH0DUYHO
6WUHHW%\URQ%D\
•
6W9LQFHQW'H3DXO6WRUH±'HDFRQ
6WUHHW%DQJDORZ
•
%DQJDORZ$QJOLFDQ2SSRUWXQLW\
6KRS±$VKWRQ6W%DQJDORZ
6PDUW6KRSSLQJ236KRSV%5816:,&.
%UXQVZLFN+HDGVKDVVHFRQGKDQGVKRSVVHOOLQJ
FKHDSNLGVFORWKHVEHGGLQJWR\VDQGERRNV
7KHVHVKRSVVHOOEDE\IXUQLWXUHHJSUDPV
FRWVFKDQJHWDEOHVHWFZKHQGRQDWHGZLWKD
FXUUHQW$XVWUDOLDQVDIHW\VWLFNHU
&RPSDQLRQ$QLPDOV:HOIDUH,QF±2S6KRS
6KS%RR\XQ6W%UXQVZLFN+HDGV
6W9LQFHQW'H3DXO6WRUH±)LQJDO6WUHHW
%UXQVZLFN+HDGV
5HG&URVV2S6KRS)LQJDO6WUHHW%UXQVZLFN
KHDGVLQIURQWRIWKH5HGEULFN0HPRULDO+DOO
7KHUHLVDOVRORYHO\SOD\JURXQGIRUXQGHUILYHV
RSSRVLWHWKH%UXQVZLFN+HDGV+RWHORQ%UXQV
ZLFN7HUUDFH
236KRSSLQJ%$//,1$$/67219,//( %DOOLQD$OVWRQYLOOHDQG/HQQR[+HDGVKDYHPDQ\VHFRQGKDQGVKRSVVHOOLQJFKHDSNLGV
FORWKHVEHGGLQJWR\VERRNV7KHVHVKRSVVHOOEDE\IXUQLWXUHHJSUDPVFRWV
FKDQJHWDEOHVHWFZKHQGRQDWHGZLWKDFXUUHQW$XVWUDOLDQVDIHW\VWLFNHU%DOOLQDDOVR
KDV.LGV:RUNV%DOOLQDLQGRRUSOD\FDIHDW0DUWLQ6W%DOOLQD3KD
JUHDWSODFHWRKDQJRXWRQUDLQ\GD\VRUORQJGD\VLQWRZQ
• /LIHOLQH5LYHU6W%DOOLQD16:
• 6W9LQFHQW'H3DXO6WRUH±%DOOLQD0DUWLQ6WUHHW%DOOLQD
• 6W9LQFHQW'H3DXO6WRUH/HQQR[+HDG9LOODJH$UFDGH%DOOLQD6WUHHW/HQQR[+HDG
• %DOOLQD&DUH%DUJDLQ&HQWUH7DPDU6W%DOOLQDSK
• 7KH%DOOLQD$QJOLFDQ2S6KRS7DPDU6W%DOOLQD
• 6W9LQFHQW'H3DXO6WRUH(YDQV+HDG:RRGEXUQ6WUHHW(YDQV+HDG
• $QJOLFDUH&HQWUH7KH$YHQXH$OVWRQYLOOH
• 6W9LQFHQW'H3DXO6WRUH±$OVWRQYLOOH&RPPHUFLDO5RDG$OVWRQYLOOH
6PDUW6KRSSLQJ236KRSV&$6,12 &DVLQRKDVVHFRQGKDQGVKRSVVHOOLQJFKHDSNLGVFORWKHVEHGGLQJWR\VERRNV
7KHVHVKRSVVHOOEDE\IXUQLWXUHHJSUDPVFRWVFKDQJHWDEOHVHWFZKHQGRQDWHGZLWKD
FXUUHQW$XVWUDOLDQVDIHW\VWLFNHU$OVROLVWHGDUHDFWLYLWLHVIRU&KLOGUHQLQWKH&DVLQRGLVWULFW
0RUHLQIRRQFKLOGUHQDWWUDFWLRQVVHUYLFHVLQIRUPDWLRQFDQEHIRXQGLQWKH&DVLQR%XVLQHVV
GLUHFWRU\DYDLODEOHIURPWKHYLVLWRUVLQIRUPDWLRQFHQWUH
• :LQGDUUD&KLOGUHQ¶V0D]H7HD*DUGHQV6H[WRQYLOOH5G6RXWK&DVLQR
• &DVLQR0LQLDWXUHUDLOZD\DQGPXVHXP&UQ2I:HVW6WDQG4/'5'&DVLQR
• :\UHHPD$QLPDO)DUP&DVLQR<RUNOH\(OODQJRZDQ5G<RUNOH\
• 6W0DUNV$QJOLFDQ2S6KRS±3UDWW6W&DVLQR16:
• /LIHOLQH±&DVLQR%DUNHU6W&DVLQR16:
• 6W9LQFHQW'H3DXO6WRUH±&DVLQR&DQWHUEXU\6WUHHW&DVLQR
• /RDIVDQG)LVKHV&QU%HUU\DQG&DQWHUEXU\6W
• 3UHVE\WHULDQVRSVKRS.ZDQJV6LQJKV%DUNHU6W&DVLQR
• 5HG&URVV2SVKRS6LPSVRQ3DUDGH
• 6DOYRVFQU-RKQVRQDQG:DONHU
6PDUW6KRSSLQJ
%$//,1$ 6PDUW6KRSSLQJ&$6,12
236KRSSLQJ
6287+7:(('7:(('
7KH7ZHHGKDVVHFRQGKDQGVKRSVVHOOLQJFKHDSNLGVFORWKHVEHGGLQJWR\VDQGERRNV
7KHVHVKRSVVHOOEDE\IXUQLWXUHHJSUDPVFRWVFKDQJHWDEOHVHWFZKHQGRQDWHGZLWKD
FXUUHQW$XVWUDOLDQVDIHW\VWLFNHU$QDFWLYLW\IRU&KLOGUHQLQWKH7ZHHGGLVWULFWLV&U\VWDO
&UHHN0LQLDWXUHV0LQLDWXUH$QLPDO)DUP&QU1XPLQEDKDQG8SSHU&U\VWDO&UHHN5RDG
0XUZLOOXPEDK0RUHLQIRRQFKLOGUHQDWWUDFWLRQVVHUYLFHVLQIRUPDWLRQFDQEH
IRXQGLQWKH7ZHHGIURPWKHYLVLWRUVLQIRUPDWLRQFHQWUH
• $'5$2S6KRS±0LQMXQJEDO'UY&QURI%OXQGHOO%OYG7ZHHG+HDGV6WK
•
/LIHOLQH*ROG&RDVW±&QU%HU\O6W(PSLUH/DQH7ZHHG+HDGV
•
6DOYRV6WRUHV±&QU3DFLILF+Z\.LUNZRRG5G7ZHHG+HDGV
•
6W9LQFHQWGH3DXO±%HU\O6W7ZHHG+HDGV
•
6W9LQFHQWGH3DXO±,QGXVWU\'UY7ZHHG+HDGV
•
8QLWLQJ&KXUFK%DUJDLQ6KRS±0DFKLQHU\'UY7ZHHG+HDGV6WK
•
6DOYRV6WRUHV±&QU3DFLILF+Z\.LUNZRRG5G7ZHHG+HDGV
236KRSSLQJ085:,,//80%$+
0XUZLOOXPEDKKDVVHFRQGKDQGVKRSVVHOOLQJ
FKHDSNLGVFORWKHVEHGGLQJWR\VDQGERRNV
7KHVHVKRSVVHOOEDE\IXUQLWXUHHJSUDPV
FRWVFKDQJHWDEOHVHWFZKHQGRQDWHGZLWKD
FXUUHQW$XVWUDOLDQVDIHW\VWLFNHU0XUZLOOXPEDK
KDVDJUHDWLQGRRUSOD\DUHDFDOOHG7XPEOHWRZQ
DW(YHOHLJK6W0XUZLOOXPEDK
0RUHLQIRRQFKLOGUHQDWWUDFWLRQVVHUYLFHVLQIRU
PDWLRQFDQEHIRXQGLQWKH0XUZLOOXPEDKYLVL
WRUVLQIRUPDWLRQFHQWUH
•
0XUZLOOXPEDK6DOYRV6WRUH±0DLQ
6WUHHW0XUZLOOXPEDK
•
6W9LQQLH¶V±0DLQ6W0XUZLOOXPEDK
•
5HG'RYH8QLW,LQJ&KXUFK±
0DLQ6W0XUZLOOXPEDK
All of the Op Shops are located
in the main street
6PDUW6KRSSLQJ7:(('+($'6 Excellent stores Saint Vincent’s
and Lifeline are next to each
other in Beryl Street

Similar documents

Multiple Membrane Couplings in the Royal Navy

Multiple Membrane Couplings in the Royal Navy OLPLWV7KHFXUYHVIRUGLIIHUHQWFOXWFKSRVLWLRQVDUHREWDLQHGE\VWRSSLQJWKHWXUELQH DQGGLVHQJDJLQJWKHFOXWFKWKHQUHHQJDJLQJLWLQDGLIIHUHQWDQJXODUSRVLWLRQ7KH YDULDWLRQLQWKHFXUYH...

More information

MID LOES BENEFICE Ashfield-cum-Thorpe, Charsfield with Debach

MID LOES BENEFICE Ashfield-cum-Thorpe, Charsfield with Debach VFKRROLQJZHRXUVHOYHVUHFHLYHGHLWKHUUHFHQWO\RUPDQ\\HDUVDJR7KHPHUHIDFW WKDW\RXFDQUHDGWKLVLVSUREDEO\GRZQWRDGHGLFDWHGWHDFKHUZKRGLGWKHLUEHVW IRU\RXZKLOH\RXZHUHDQLQIDQW...

More information