Page 17 - C:\Users\Jim\AppData\Local\Temp\mso6679.tmp

:H KDYH EHHQ WKLQNLQJ DERXW WKH IXWXUH RI WKH
7RGGOHU *URXS DV UHSRUWHG DW WKH &KXUFK
0HHWLQJ

,W ZLOO SUREDEO\ EH $XWXPQ EHIRUH LW FDQ VWDUW
DJDLQ EXW LW ZLOO GHSHQG RQ 85& DQG *RYHUQPHQW JXLGHOLQHV 8QWLO ZH
KDYH PRUH LQIRUPDWLRQ LW LV QRW UHDOO\ SRVVLEOH WR PDNH DQ\ GHILQLWH SODQV

+RZHYHU ZH GR NQRZ WKDW PRUH KHOS ZLOO EH QHFHVVDU\ $OWKRXJK -LP
DQG , HQMR\ EHLQJ ZLWK WKH 7RGGOHUV DQG WKHLU IDPLOLHV ZH ZRXOG SUHIHU WR
VWHS EDFN IURP EHLQJ WKH OHDGHUV RI WKH JURXS

7KLV WLPH RI ORFNGRZQ KDV FRQILUPHG RXU WKRXJKWV WKDW VRPH \RXQJHU
YROXQWHHUV ZRXOG EH PRUH DEOH WR VHW XS DQG FOHDU XS WKH KDOO DQG WKLQN
RI VRPH QHZ FUDIW LGHDV

3UREDEO\ PRVW RI WKH FKLOGUHQ SUHYLRXVO\ RQ RXU UHJLVWHU ZLOO EH VWDUWLQJ
VFKRRO DOWKRXJK ZH KDYH KDG D IHZ HQTXLULHV IURP QHZ IDPLOLHV

3OHDVH FRQVLGHU ZKHWKHU \RX FRXOG KHOS LQ DQ\ ZD\ 7KH 7RGGOHU *URXS
VWDUWHG PRUH WKDQ \HDUV DJR DQG KDV DOZD\V KDG D YHU\ JRRG
UHSXWDWLRQ LQ WKH WRZQ

7KDQN \RX $QQ DQG -LP )DUUHU

6+2( %2; $33($/

2XU IRFXV 'XULQJ 0D\ LV WR FROOHFW PDNH-XS
VKDYLQJ LWHPV DQG VKDPSRR PD[ PO

3OHDVH VDYH \RXU FRQWULEXWLRQV DW KRPH XQWLO ZH
FDQ WDNH WKHP WR FKXUFK DJDLQ 7KDQN \RX

7+( 6+23 81'(5 7+( 67$,56

,Q P\ µVKRS¶ XQGHU WKH VWDLUV , KDYH
VXOWDQDV UDLVLQV IUXLW DQG QXW PXHVOL WURSLFDO IUXLW PXHVOL JLQJHU
FRRNLHV JURXQG FRIIHH FDVKHZ QXWV EDJV RI WHD EDJV FDWHULQJ
GHFDII DQG RUGLQDU\ FRIIHH WRLOHW UROOV NLWFKHQ UROOV UXEEHU JORYHV
ZDVKLQJ XS OLTXLG ODXQGU\ OLTXLG DQG KDQG VDQLWLVHU , FDQ GHOLYHU
DQ\ RI WKH LWHPV MXVW JLYH PH D ULQJ $QQH 6TXLUHV