$ 2. &DPS 1HZVcrystaltancredi.com/INT/The Natural.pdf · orqj uhodwlrqvkls zlwk $ 2. &dps ³&dps...

2
$2. &DPS 1HZV 3DJH RI &X YMJ 8ZRRJW TK (TRJX 9T &S *SI &X YMJ 8ZRRJW TK (TRJX 9T &S *SI &X YMJ 8ZRRJW TK (TRJX 9T &S *SI &X YMJ 8ZRRJW TK (TRJX 9T &S *SI E\ (PPD -DFNVRQ 'LUHFWRU $XWLVP 2QWDULR <RUN 5HJLRQ .LGV &DPS < 7KH 1DWXUDO $ &RXQVHOORU²V 6WRU\ 7KH 1DWXUDO $ &RXQVHOORU²V 6WRU\ 7KH 1DWXUDO $ &RXQVHOORU²V 6WRU\ 7KH 1DWXUDO $ &RXQVHOORU²V 6WRU\ t $; %4;56#. 6#0%4'&+ $OWKRXJK MXVW %ULWWQH\ LV DOUHDG\ D VHDVRQHG &DPS ZRUNHU $W WKH WHQGHU DJH RI VKH EHJDQ KHU DVVRFLDWLRQ ZLWK $2. &DPS WKLV \HDU VKH MRLQV WKH UDQNV RI RXU UHJXODU SDLG VWDII :HOFRPH DERDUG %ULWWQH\ %ULWWQH\ EHJDQ YROXQWHHULQJ ZLWK XV DW WKH VXJJHVWLRQ RI RXU &DPS &RPPLWWHH¶V RZQ 'HERUD 0DQQL ZKR LV DOVR D VSHFLDO QHHGV WHDFKHU $W WKH WLPH 'HERUD FRXQWHG %ULWWQH\¶V EURWKHU -RUGDQ DPRQJ WKH VWXGHQWV LQ KHU FRPPXQLW\ FODVV 'HERUD WKRXJKW LW ZRXOG EH D SRVLWLYH H[SHULHQFH IRU %ULWWQH\ WR YROXQWHHU JLYHQ WKDW $2. &DPS ZDV WKHQ DQ XQNQRZQ WR WKHP %ULWWQH\¶V IDPLO\ OLNHG WKH LGHD RI D IDPLO\ PHPEHU DW &DPS WR REVHUYH WKH FDUH SURYLGHG WR WKHLU QRQ YHUEDO FKLOG 7KH UHVW DV WKH\ VD\ LV KLVWRU\ %RWK %ULWWQH\ DQG -RUGDQ KDYH IORXULVKHG DW &DPS EHFRPLQJ \HW DQRWKHU IDPLO\ ZRYHQ WLJKWO\ LQWR WKH IDEULF RI VXPPHUV DW $2. ,Q IDFW %ULWWQH\ HQMR\HG &DPS VR PXFK WKDW VKH KDV FRQWLQXHG WR ZRUN ZLWK XV HYHU\ VXPPHU ULVLQJ WKURXJK WKH UDQNV IURP YROXQWHHU WR &RXQVHOORU ,Q 7UDLQLQJ DQG ILQDOO\ WR &RXQVHOORU %HLQJ IXOO IOHGJHG ³DQ DFWXDO µ, KDYH P\ RZQ FDPSHU¶ &RXQVHOORU´ PDNHV WKLV D SDUWLFXODUO\ H[FLWLQJ VXPPHU IRU KHU $QG ZLWK KHU QHZ SRVLWLRQ FRPH ERWK WULDOV DQG UHZDUGV VRPHWLPHV DW WKH « FRQWLQXHG RQ SDJH

Transcript of $ 2. &DPS 1HZVcrystaltancredi.com/INT/The Natural.pdf · orqj uhodwlrqvkls zlwk $ 2. &dps ³&dps...

$�2.�&DPS�1HZV�����3DJH���RI���

&X�YMJ�8ZRRJW�TK������(TRJX�9T�&S�*SI�­&X�YMJ�8ZRRJW�TK������(TRJX�9T�&S�*SI�­&X�YMJ�8ZRRJW�TK������(TRJX�9T�&S�*SI�­&X�YMJ�8ZRRJW�TK������(TRJX�9T�&S�*SI�­E\�(PPD�-DFNVRQ��'LUHFWRU���$XWLVP�2QWDULR�<RUN�5HJLRQ�.LGV�&DPS

<

7KH�1DWXUDO��$�&RXQVHOORU²V�6WRU\7KH�1DWXUDO��$�&RXQVHOORU²V�6WRU\7KH�1DWXUDO��$�&RXQVHOORU²V�6WRU\7KH�1DWXUDO��$�&RXQVHOORU²V�6WRU\t�$;�%4;56#.�6#0%4'&+

$OWKRXJK�MXVW�����%ULWWQH\�LV�DOUHDG\�D�VHDVRQHG�&DPS�ZRUNHU���$W�WKH�WHQGHU�DJH�RI�����VKH�EHJDQ�KHU�DVVRFLDWLRQ�ZLWK�$�2.�&DPS��WKLV�\HDU��VKH�MRLQV�WKH�UDQNV�RI�RXU�UHJXODU�SDLG�VWDII���:HOFRPH�DERDUG��%ULWWQH\��

%ULWWQH\�EHJDQ�YROXQWHHULQJ�ZLWK�XV�DW�WKH�VXJJHVWLRQ�RI�RXU�&DPS�&RPPLWWHH¶V�RZQ�'HERUD�0DQQL��ZKR�LV�DOVR�D�VSHFLDO�QHHGV�WHDFKHU���$W�WKH�WLPH��'HERUD�FRXQWHG�%ULWWQH\¶V�EURWKHU��-RUGDQ��DPRQJ�WKH�VWXGHQWV�LQ�KHU�

FRPPXQLW\�FODVV���'HERUDWKRXJKW�LW�ZRXOG�EH�D�SRVLWLYH�H[SHULHQFH�IRU�%ULWWQH\�WR�YROXQWHHU��JLYHQ�WKDW�$�2.�&DPS�ZDV�WKHQ�DQ�XQNQRZQ�WR�WKHP��%ULWWQH\¶V�IDPLO\�OLNHG�WKH�LGHD�RI�D�IDPLO\�PHPEHU�DW�&DPS�WR�REVHUYH�WKH�FDUH�SURYLGHG�WR�WKHLU�QRQ��YHUEDO�FKLOG������

7KH�UHVW��DV�WKH\�VD\��LV�KLVWRU\���%RWK�%ULWWQH\�DQG�-RUGDQ�KDYH�IORXULVKHG�DW�&DPS��EHFRPLQJ�\HW�DQRWKHU�IDPLO\�ZRYHQ�WLJKWO\�LQWR�WKH�IDEULF�RI�VXPPHUV�DW�$�2.���

,Q�IDFW��%ULWWQH\�HQMR\HG�&DPS�VR�PXFK�WKDW�VKH�KDV�FRQWLQXHG�WR�ZRUN�ZLWK�XV�HYHU\�VXPPHU��ULVLQJ�WKURXJK�WKH�UDQNV�IURP�YROXQWHHU��WR�&RXQVHOORU��,Q��7UDLQLQJ��DQG�ILQDOO\��WR�&RXQVHOORU��

%HLQJ�IXOO��IOHGJHG���³DQ�DFWXDO��µ,��KDYH��P\��RZQ��FDPSHU¶�&RXQVHOORU´��PDNHV�WKLV�D�SDUWLFXODUO\�H[FLWLQJ�VXPPHU�IRU�KHU���$QG�ZLWK�KHU�QHZ�SRVLWLRQ�FRPH�ERWK�WULDOV�DQG�UHZDUGV��VRPHWLPHV�DW�WKH���

«�FRQWLQXHG�RQ�SDJH����

$�2.�&DPS�1HZV�����

VDPH�PRPHQW���6KH�UHODWHV�D�VWRU\���2QH�RI�WKH�FDPSHUV�LQ�KHU�FKDUJH�ZDV�³KDYLQJ�D�EDG�GD\´���(YHQ�DV�VKH�GRJJHGO\�WULHG�WR�FRPIRUW�KLP��KH�SHUVLVWHG�LQ�DFWLQJ�RXW�DJJUHVVLYHO\���7KH�VWDOHPDWH�HQGHG�ZKHQ�KH�VXGGHQO\�VWRSSHG�DQG�JDYH�KHU�D�NLVV�DQG�D�KXJ��YHU\�XQXVXDO�EHKDYLRXU�IRU�KLP���6KH�ZDV�HODWHG�E\�WKLV�QHZ��SRVLWLYH�EHKDYLRXU��DQG�FRXOGQ¶W�ZDLW�WR�VKDUH�LW�ZLWK�KLV�SDUHQWV��

$V�WKH�VLEOLQJ�RI�D�SHUVRQ�OLYLQJ�ZLWK�$6'��VKH�FDQ�GHILQLWHO\�UHODWH��3DUHQWV�DUH�DFFXVWRPHG�WR�FRQVWDQW�UHSRUWV�RI�WKHLU�FKLOG¶V�SUREOHP�EHKDYLRXU��EXW�VKH�ZDV�DEOH�WR�GHOLYHU�XQH[SHFWHGO\�³JRRG�QHZV´�WR�D�ZHDU\�SDUHQW�³ZKR�EHDPHG´���$QG�WKDW�VRUW�RI�H[SHULHQFH�PDNHV�WKH ZRUN�YHU\�UHZDUGLQJ��

7KH�1DWXU7KH�1DWXU7KH�1DWXU7KH�1DWXUDO��$�&RXQVHOORU²V�6WRU\DO��$�&RXQVHOORU²V�6WRU\DO��$�&RXQVHOORU²V�6WRU\DO��$�&RXQVHOORU²V�6WRU\

$ERXW��$XWLVP�2QWDULR�

2XU�9LVLRQ���$FFHSWDQFH�DQG�

RSSRUWXQLWLHV�IRU�DOO�LQGLYLGXDOV�ZLWK�

$XWLVP�6SHFWUXP�'LVRUGHUV��

2XU�0LVVLRQ���7R�HQVXUH�WKDW�HDFK�

LQGLYLGXDO�ZLWK�$6'�LV�SURYLGHG�WKH�PHDQV�WR�

DFKLHYH�TXDOLW\�RI�OLIH�DV�D�UHVSHFWHG�PHPEHU�RI�

VRFLHW\��

$87,60�217$5,2�±<25.�5(*,21�&+$37(5�

������<21*(�675((7�68,7(�����

5,&+021'�+,//��217$5,2��

%ULWWQH\¶V�YROXQWHHU�HIIRUWV�GR�QRW�HQG�ZLWK�WKH VXPPHU�PRQWKV��6KH�KDV�DOVR�IRXQG�WLPH�WR�YROXQWHHU�DW�FKDULW\�HYHQWV�IRU�FDQFHU�UHVHDUFK��DQG�WKH�&KLOGUHQ¶V�$LG�6RFLHW\��DV�ZHOO�DV�D�GRZQWRZQ�VKHOWHU��

7KHUH�LV�VWLOO�WLPH�WR�WU\�RQ�SRVVLEOH�IXWXUH�FDUHHUV��VKH�LV�FXUUHQWO\�FRQVLGHULQJ�SV\FKRORJ\��ODZ�DQG�MRXUQDOLVP��

%ULWWQH\�ORRNV�IRUZDUG�WR�D�ORQJ�UHODWLRQVKLS�ZLWK�$�2.&DPS���³&DPS�JDYH�PH�SDWLHQFH�DQG�XQGHUVWDQGLQJ���,I�,�VHH�VRPHRQH�ZLWK�VSHFLDO�QHHGV�LQ�WKH�PDOO��,�GRQ¶W�JDZN�±�,�NQRZ�LW¶V�QRW�KHOSIXO���&DPS�KDV�WDXJKW�PH�VR�PXFK���7KH\�VD\�\RX�QHHG�WR�EH�D�VSHFLDO�NLQG�RI�SHUVRQ�WR�ZRUN�KHUH��EXW�WKH\�UHZDUG�XV�HYHU\�GD\�´�<

3DJH����RI���

´$�2.�&DPS�1HZV������µ�

(GLWRU��3KRWR�(GLWRU��'HVLJQ� &U\VWDO�7DQFUHGL��3URGXFWLRQ���'RXJ�3RJXH���&RQWULEXWRUV� (PPD�-DFNVRQ��3DXO�.DOP\NRZ��/DXUD�3LWRVFLD���&U\VWDO�7DQFUHGL����3KRWR�&RQWULEXWRUV���.ULVWLQ�%UHZHU��(PPD�-DFNVRQ���/LQGVH\�0���&KULVWLQH�7���&U\VWDO�7DQFUHGL��7RZQ�RI�5LFKPRQG�+LOO����

´$�2.�&DPS�1HZVµ�LV�SXEOLVKHG�E\�$XWLVP�2QWDULR�<RUN�5HJLRQ�&KDSWHU�DQG�LWV�&DPS�&RPPLWWHH���$OO�ULJKWV�UHVHUYHG���$XWLVP�2QWDULR�²�<RUN�5HJLRQ�&KDSWHU��������´$�/LIH�0RUH�)XOO\�5HDOL]HGµ�DQG�´7KH�1DWXUDO��$�&RXQVHOORU·V�6WRU\�µ���&U\VWDO�7DQFUHGL��������

´$�2.�&DPSµ�DQG�´&DPS�$�2.µ���$XWLVP�2QWDULR�<RUN�5HJLRQ�&KDSWHU�DQG�LWV�&DPS�&RPPLWWHH��

aaa�