April 2017 April 28 2017 | Seite 3
)ULGD\$SULO7KH&ROHEURRN&KURQLFOH3DJH
1RUWKHUQ3DVV
&RQWLQXHGIURPSDJH
DVNHG WKH FURZG ZKLFK
UHVSRQGHG ZLWK D UHVRXQGLQJ
§1R¨§:LOOZHOHWRXUVWDWHWKDW
VR PDQ\ SHRSOH FRPH WR HQMR\
IURPDOORYHUWKHZRUOGEHWXUQHG
LQWRDQLQGXVWULDOZDVWHODQG"¨KH
DVNHG WR DQRWKHU UHVRXQGLQJ
FKRUXVRI§1R¨IURPWKRVHJDWK
HUHG LQ IURQW RI KLP §7KHQ WKH
WLPH LV QRZ WR VWDQG XS DQG EH
FRXQWHG:HKDYHWRWHOOWKH1+
6LWH(YDOXDWLRQ&RPPLWWHHWKDW
LV FXUUHQWO\ UHYLHZLQJ WKLV
SURMHFW WKDW ZH VWDQG XQLWHG LQ
VD\LQJ QR WR 1RUWKHUQ 3DVV
7KHLU ELJ TXHVWLRQ WKDW WKH\
QHHGWRNQRZLVZLOOWKLVSURMHFW
EHQHILW 1HZ +DPSVKLUH¨ VDLG
7LOWRQ §$QG ZKDWªV \RXU
DQVZHU"¨§1RZD\¨VKRXWHGWKH
FURZGLQUHVSRQVH
6SHDNHUV UHSUHVHQWHG 'HHU
ILHOG &RQFRUG 3O\PRXWK DQG
6XJDU +LOO 7KH 1RUWK &RXQWU\
ZDVUHSUHVHQWHGE\5LFN6DPVRQ
RI 6WHZDUWVWRZQ ZKR LV DOVR D
&RRV &RXQW\ &RPPLVVLRQHU
6DPVRQILUVWWROGWKHFURZGWKDW
RQH RI LWV NH\ RUJDQL]HUV -RKQ
+DUULJDQ RI &ROHEURRN ZDV QRW
DEOH WR EH WKHUH GXH WR KHDOWK
LVVXHVDQGKHWRRNDIHZPLQXWHV
WRWKDQNQRWRQO\+DUULJDQZKR
KDVEHHQILJKWLQJDJDLQVW1RUWK
HUQ 3DVV VLQFH LW ZDV ILUVW
DQQRXQFHGEXWDOVRWRUHFRJQL]H
VRPHRWKHUVZKRZHUHQªWRQKDQG
IRU WKH UDOO\ LQFOXGLQJ WKH ODWH
IRUPHU([HFXWLYH&RXQFLORU5D\
%XUWRQZKRRQFHVDLGWKDWLWZDV
WLPH IRU 1RUWKHUQ 3DVV WR §IROG
XSLWVWHQWDQGJRKRPH¨%XUWRQ
SDVVHGDZD\LQWKHIDOORI
7KHRWKHUSHHUVRQVDLG6DPVRQ
§LV D JHQWOHPDQ DQG UHWLUHG
VFKRROWHDFKHUIURP&ROHEURRNE\
WKHQDPHRI%LOO6FKRPEXUJ+H
KDV WDNHQ WKUHH WULSV RQ WKH
&RQQHFWLFXW 5LYHU IURP WKH
&DQDGLDQERUGHUWRWKH$WODQWLF
2FHDQDQGKHDQGKLVIDPLO\DUH
YHU\ SDVVLRQDWH DQG VXSSRUWLYH
RI WKLV PRYHPHQW¨ 6FKRPEXUJ
ZKR OLYHG LQ QRUWKHUQ 1HZ
+DPSVKLUHLQWKHWRZQRI&ROXP
ELDSDVVHGDZD\UHFHQWO\
§:H KDYH WUDYHOHG PDQ\
PLOHVDQGDWWHQGHGPDQ\KHDU
LQJVDQGZHDOOKDYHGRQHDORW¨
VDLG 6DPVRQ §DQG LI \RX KDYH
PDGH RQH SKRQH FDOO RU ZULWWHQ
RQH OHWWHU WKDWªV LPSRUWDQW ,W
GRHVQªWPDWWHUKRZOLWWOHRUKRZ
PXFK\RXKDYHGRQHLWWDNHVDOO
RIXVWRJHWKHUWRILJKWWKLVXQUHD
VRQDEO\ SURSRVHG SURMHFW¨ KH
VDLG§7KLVSURMHFWVWDUWVLQ3LWWV
EXUJDQGHQGVLQ'HHUILHOG RI
WKRVHWRZQVDUHLQP\GLVWULFW¨
KHVDLG§,DPQRWVSHDNLQJWRGD\
IRUP\VHOI¦,DPVSHDNLQJIRUWKH
WRZQV LQ P\ GLVWULFW :KHQ
WKLVSURMHFWILUVWVWDUWHGZHVDLG
ZHZDQWWRVHHLWEXULHG,GRQRW
ZDQW WR VHH LW EXULHG¦, GR QRW
ZDQW WR VHH WKLV SURMHFW LQ WKLV
VWDWHDWDOO¨
)ROORZLQJWKHVSHHFKHVHYHU\
RQHZDONHGGRZQWKHVLGHZDONV
DQGVXUURXQGHGWKHVWDWHKRXVH
LQDVWDWHPHQWRIVROLGDULW\WKDW
WKH\ ZHUH DJDLQVW WKH SURSRVHG
1RUWKHUQ 3DVV SURMHFW $IWHU
DERXW PLQXWHV WKH FURZG
GLVEXUVHGZLWKVRPHKHDGLQJWR
WKH &DSLWRO &HQWHU IRU WKH $UWV
IRUDEULHIUHFHSWLRQDQGUHIUHVK
PHQWV
(YHQW RUJDQL]HU -RKQ +DUUL
JDQ RI &ROHEURRN VDLG LQ DQ
HDUOLHU VWDWHPHQW RI WKH RSSRVL
WLRQDQGWKHHYHQW§,WªVQRWSROL
/LEUDU\
&RQWLQXHGIURPSDJH
WLPH 7KHQ ZH VHWWOH GRZQ ZH
KDYHDVWRU\DQGVRQJVDQGZH
KDYH D VQDFN WLPH¨ 7KHUHªV DQ
HGXFDWLRQDOHOHPHQWWRWKHSOD\
JURXSDVZHOO§,WKURZLQWKLQJV
DERXWOLWHUDF\TXLWHRIWHQ¨VDLG
-RUGDQ§VRWKHUHªVOHDUQLQJDQG
WKH SDUHQWV KRSHIXOO\ JHW VRPH
LQIRUPDWLRQ RQ FKLOG GHYHORS
PHQW¨
7DUJHWHG IURP ELUWK WR DJH
ILYHWKHDLPRIWKHJDWKHULQJLV
WR EULQJ ERWK SDUHQWV DQG FKLO
GUHQ WRJHWKHU LQ DQ HQYLURQ
PHQW¥QRWMXVWWRLQWHUDFWZLWKLQ
IDPLOLHVEXWDPRQJHDFKRWKHU
§:HEHOLHYHWKDW WKH SDUHQWV
DUHWKHILUVWDQGEHVWWHDFKHUVRI
WKHLUFKLOGUHQ¨VDLG-RUGDQ§6R
E\ JHWWLQJ HYHU\RQH WRJHWKHU
WKH\ FRXOG VKDUH LGHDV DQG
UHVRXUFHV¨ 6KH DGGHG §, ILQG
WKDWWKHVRFLDOSHDFHIRUWKHSDU
HQWVDVZHOODVWKHNLGVLVZKDWªV
UHDOO\LPSRUWDQW¨
-RUGDQ OLNHV WR GR VHDVRQDO
WKHPHGHYHQWVFXUUHQWO\WDNLQJ
D FXH IURP WKH VSULQJ ZHDWKHU
7KLVSDVWZHHNWKHJURXSUHDGD
ERRNRQPXGSXGGOHVDQGODWHU
ZHUHILQJHUSDLQWLQJZLWKFKRFR
ODWHSXGGLQJ
)RU \HDUV QRZ WKH SURJUDP
KDV WDNHQ SODFH DW WKH $OLFH 0
:DUG 0HPRULDO /LEUDU\ LQ
&DQDDQ 9W &XUUHQWO\ WDNLQJ
SODFHRQ)ULGD\DIWHUQRRQVRQFH
WKH VXPPHU NLFNV LQ -RUGDQ
WDNHV RQ KHU DGGLWLRQDO UROH LQ
WKHSUHVFKRROSURJUDPDW&DQDDQ
6FKRROV $W WKDW WLPH WKH SOD\
JURXS LV VKLIWHG WR 7XHVGD\
PRUQLQJVUXQQLQJ WRDP
IURP -XQH XQWLO WKH VFKRRO
\HDUVWDUWVXS
7KH DYHUDJH DWWHQGDQFH LV
DURXQG LQGLYLGXDOV E\ -RU
GDQªV PHDVXUH ZLWK DERXW
VLJQHG XS IRU WKH SURJUDP 7KH
JURXS LV RSHQ WR SDUHQWV DQG
FKLOGUHQ RI DOO ORFDO WRZQV LQ
9HUPRQW DQG 1HZ +DPSVKLUH
2ULJLQDOO\ IXQGHG WKURXJK WKH
'HSWRI(GXFDWLRQWKHJURXSLV
QRZ IXQGHG E\ %XLOGLQJ %ULJKW
)XWXUHVDFQRQSURILWFKDU
LWDEOHRUJDQL]DWLRQDQGWKHGHV
LJQDWHG
9HUPRQW
(DUO\
&KLOGKRRG $GYLVRU\ &RXQFLO WR
WKH *RYHUQRU $GPLQLVWUDWLRQ
DQG /HJLVODWXUH LQ 9HUPRQW
§7KH PRQH\ JRHV WKURXJK WKH
&DQDDQ VFKRRO V\VWHP¨ VDLG
-RUGDQ §LW
V SDUW RI WKH (DUO\
(GXFDWLRQSURJUDP¨
3DPFRXOGQRWH[WHQGHQRXJK
WKDQNVWRWKHSDUHQWVZKRKDYH
EHHQLQYROYHGDQGVXSSRUWLYHRI
WKH SURJUDP DV LWªV HYROYHG
WKURXJK WKH \HDUV 6KH QRWHG
WKDWVKHªVVWDUWLQJWRVHHIRUPHU
FKLOGUHQ RI WKH \HDUUXQQLQJ
SOD\JURXS QRZ JURZQ XS DQG
EULQJLQJWKHLURZQ\RXQJVWHUV
§,WªVEHHQUHDOO\H[FLWLQJWKH
YDULHW\ RI SHRSOH WRR KDV EHHQ
LQFUHGLEOH,WªVVXFKDQLFHPL[RI
SHRSOHZKRKDYHPRYHGLQWRWKH
DUHDZLWKSHRSOHZKRKDYHEHHQ
KHUH IRU \HDUV DQG \HDUV¨ VDLG
-RUGDQ §, WKLQN LW MXVW ZLGHQV
HYHU\ERG\ªVYLHZRIWKHZRUOG¨
3DP-RUGDQVWDQGLQJRYHUORRNVZKDWVKHFDOOVZLWKDODXJKWKH§RUJDQL]HGFKDRV¨RIDQRWKHUIXQ)ULGD\
DW$OLFH0:DUG/LEUDU\LQ&DQDDQ9WDOOSDUWRIWKH3DUHQWVDQG&KLOGUHQªV3URJUDPZKLFKKDVEHHQ
JRLQJVWURQJIRU\HDUVQRZ&KDUOHV-RUGDQSKRWR
3ROLFH(065HSRUWV
758&.52//29(5
&/26('5287(
2Q $SULO DW DP 9W
6WDWH 3ROLFH ZHUH GLVSDWFKHG WR
DWUDFWRUWUDLOHUXQLWFUDVKQHDU
9W5RXWHLQWKHWRZQ
RI%UXQVZLFN9W
8SRQ DUULYDO 6WDWH 7URRSHUV
REVHUYHG WKH WUDFWRU WUDLOHU
DSSUR[LPDWHO\ IHHW RII WKH
URDGGRZQDQHPEDQNPHQW7KH
RSHUDWRU3DVFDO&\URI6KHU
EURRNH4XHVXVWDLQHGQRQOLIH
WKUHDWHQLQJ LQMXULHV DQG ZDV
WUDQVSRUWHG WR WKH 8SSHU &RQ
QHFWLFXW9DOOH\+RVSLWDOLQ&ROH
EURRN
,QYHVWLJDWLRQ UHYHDOHG WKH
WUDFWRUWUDLOHUXQLWD.HQ
ZRUWK ZDV WUDYHOLQJ HDVW ZKHQ
LW ORVW FRQWURO DURXQG D VKDUS
FRUQHU DQG UROOHG GRZQ WKH
HPEDQNPHQWGRLQJRQHIXOOURWD
WLRQODQGLQJEDFNRQLWVZKHHOV
DWWKHERWWRP
7KHWUDLOHUKDGDIXOOORDGRI
FDUGERDUG WKDW QHHGHG WR EH
XQORDGHG SULRU WR WKH WUDLOHU
EHLQJSXOOHGRXWGXHWRFRPSUR
PLVHGZDOOV
7URRSHU -RVKXD 0LNNROD RI
WKH 9W 6WDWH 3ROLFH 'HUE\ EDU
UDFNVLQYHVWLJDWHGWKHDFFLGHQW
&2/(%522.32/,&(
2Q $SULO DW SP
RIILFHUVLQLWLDWHGDPRWRUYHKLFOH
VWRS $V D UHVXOW RI WKLV VWRS
$QJHO 6DQGRYDO ZDV FKDUJHG
ZLWKXQODZIXOSRVVHVVLRQLQWR[
LFDWLRQ -RKQ 0F%ULGH RI %HUOLQ
ZDVFKDUJHGZLWKWKHIROORZLQJ
VWRSVLJQV\LHOGVLJQVGLVREH\LQJ
DQ RIILFHU GULYLQJ ZKLOH XQGHU
WKH LQIOXHQFH RI LQWR[LFDWLQJ
OLTXRU RU GUXJV UHVLVWLQJ
DUUHVWGHWHQWLRQ GULYLQJ DIWHU
UHYRFDWLRQVXVSHQVLRQ DQG WZR
FKDUJHV RI RSHQ FRQWDLQHUV
7LDUDK /DFDVVH RI 0LODQ ZDV
FKDUJHG
ZLWK
XQODZIXO
SRVVHVVLRQLQWR[LFDWLRQ
DQG
$OH[DQGUD 3HUU\ ZDV FKDUJHG
,QWHUHVWHGDSSOLFDQWVFDQGLVFXVVFDUHHURSWLRQVZLWK&XVWRPVDQG
%RUGHU 3DWURO UHFUXLWHUV DW HYHQWV WKURXJKRXW 1HZ (QJODQG WKLV
VSULQJLQFOXGLQJRQHVFKHGXOHGIRU6RXWK%XUOLQJWRQ9WRQ0D\
&RXUWHV\SKRWR
ZLWKXQODZIXOSRVVHVVLRQLQWR[
LFDWLRQ 6WDUN DQG RQH PHGLFDO FDOO LQ
%ORRPILHOG9W
*529(721$0%8/$1&(
'XULQJWZRZHHNVIURP$SULO
*URYHWRQ $PEXODQFH
UHVSRQGHGWRVHYHQPHGLFDOFDOOV
LQ *URYHWRQ *URYHWRQ DOVR
UHVSRQGHGWRRQHPHGLFDOFDOOLQ &867206$1'%25'(5
3527(&7,215(&58,70(17
86&XVWRPVDQG%RUGHU3UR
WHFWLRQ &%3 LQ DOO VL[ 1HZ
(QJODQGVWDWHVLVKRVWLQJVHYHUDO
UHFUXLWPHQW HYHQWV ORRNLQJ IRU
&RQWLQXHGRQSDJH