2012 Annual Report 2 8 5 0 , 6 6 , 2 1 9$ / 8 ( 6 28592/817((56 Our Mission 1 The Breast Cancer Society of Canada is a registered, national, not-for-profit, charitable organization dedicated to funding Canadian breast cancer research into the detection, prevention, treatment and to ultimately find a cure for the disease that women fear most. Our Values Effective, Inclusive, Collaboration, Enterprising, Care. Our Volunteers The Bosom Buddy volunteer program is one of the most valued resources of the Breast Cancer Society of Canada. We are very fortunate to have two very dedicated groups. Our local branch keeps us efficient and well-organized; they tackle everything from office tasks to event planning. They tirelessly hammer out every detail to ensure that the Mother’s Day Walk and Pam GreenawayKohlmeier Memorial Golf Tournament are truly worthy of Pam’s memory. Our off site volunteers, better known as Bosom Buddies have evolved into an important arm of our organization. Especially the greater Toronto group who have taken great strides in filling a gap that a regional based organization like ours faces. In 2012, our Toronto group took the lead on many of the Mother’s Day Walk responsibilities, not only in their community but in others too! GTA Bosom Buddies Ryan Reinoso and Gillian Brunning, travelled to Cornwall Ontario as our representatives to assist and support a Mother’s Day Zumbathon hosted by cleo. This in a nutshell, encapsulates what the Bosom Buddy program was created to do; to act on behalf of the Breast Cancer Society of Canada to provide the one-onone approach with our donors, supporters and business partners. This personal touch philosophy is at the heart of our grass roots culture. Share your energy, passion, skills and knowledge. Join our Bosom Buddy team today at 1-800-567-8767 or bcsc@bcsc.ca. ”Those who can, do. Those who can do more, volunteer.” ~Author Unknown www.bcsc.ca In the spring of 2012 the board members and staff met for a full day of strategic planning, building on the plan from 2009. It was amazing to see how much an organization can change in a few short years. Two major themes percolated to the top of our discussion; strengthening relationships with our donors and building organizational capacity. Since that meeting we have been working very hard with these focussed priorities. During our discussions around communication to our donors, we realized that we have many untold success stories, especially regarding the impact of donations on breast cancer research. Relaying complex information about specific research in layman’s terms is a challenge. Our research partners have been very co-operative assisting us with this task; a few of them even created videos for us to share on our website and at events. Research is saving lives and making a positive impact on the quality of life for the patient; our generous donors are part of that success. In an effort to reduce our rising marketing costs we decided to invest in the BCSC staff with some training. This has allowed us to internalize many small projects and significantly curb our costs; maximizing the impact of your donation. Our Board of Directors NORMA BEAUCHAMP Board Member LYNN MAWUNGANIDZE Board Member Partner and Executive Management Consultant, Medius International Graduate, Master of Public Health MARTIN CHAN Board Member STEPHANIE SIMPSON Treasurer Chartered Accountant Investment Specialist, Bank of Montreal 2 ADELLE RICHARDS Board Member NATASHA KANJI Board Member Operations Manager, Inn of the Good Shepherd Manager of Advisory Services and Management Consulting, KPMG The Breast Cancer Society of Canada now has twenty years of fundraising and research funding expertise under her belt. Even though the world of fundraising is very challenging we remain optimistic about our future. Again, our successes are only made possible through the dedication and generosity of our supporters, thank you. Raelene Peseski President /($'(56+,30(66$*( 2 8 5 % 2$ 5 ' 2 ) ' , 5 ( & 7 2 5 6 The Breast Cancer Society is pleased to report another successful year. We would like to extend a very special thank you to all of our donors, large and small, for their continued support and trust. Marsha Davidson Executive Director www.bcsc.ca 0 2 7 + ( 5 · 6 ' $< : $ / . 6 , * 1 $7 8 ( ( 9 ( 1 7 6 3 Twenty-one years ago Pam GreenawayKohlmeier’s family and friends walked together in her honour, raising $2,000.00. From these passionate beginnings, how befitting that the Mother’s Day Walk was the very first event held by the Breast Cancer Society of Canada. Pam continues to be our inspiration. In 2012 we celebrated our 10th Anniversary with cleo as national sponsor of our annual Mother’s www.bcsc.ca Day Walk. cleo, a ladies retail store, hosted in-store activities leading up to the May celebration. Sarnia, Edmonton and Mississauga took to the beautiful park trails, add 80 mall walks, while some preferred to zumba, we truly celebrated all the special women in our lives. A special thank you to the staff of cleo, their customers, our volunteers and all who participated and donated in order to help raise funds for breast 6 , * 1 $7 8 ( ( 9 ( 1 7 6 3 $ 0 * 5 ( ( 1 $ : $< . 2 + / 0 ( , ( 5 0 ( 0 2 5 , $ / * 2 / ) 7 2 8 5 1 $ 0 ( 1 7 The 21st annual golf tournament was held on Friday, June 22nd. Elite golfers, weekend golfers, and once a year golfers rallied together at Huron Oaks in Brights Grove, ON for a day of fun in the sun. After 18 rounds of golf and a delicious dinner, guests were presented with research story updates and a special fundraising initiative spearheaded by a young 11 year girl! The tournament was a resounding success raising over $42,000. We would like to thank all the golfers, sponsors and volunteers for making our day so special. A round of applause to Huron Oaks for hosting the tournament; without them the event wouldn’t have been possible. www.bcsc.ca 4 '5(66)257+(&$86( 6 , * 1 $7 8 ( ( 9 ( 1 7 6 5 The Breast Cancer Society of Canada’s Dress for the Cause is an annual event held in October to celebrate Breast Cancer Awareness Month. Thousands participate every year by hosting bbq’s, bake sales, jail n’bails or just by wearing pink. The businesses and organizations that register receive a free“support”kit to help in their fundraising initiatives. The Dress for the Cause day is a fun filled day to help raise awareness for breast cancer and its impact.. www.bcsc.ca Almost everyone has been affected by breast cancer whether it was a mom, sister, daughter, friend, co-worker or uncle; this event raises hundreds of thousands of dollars to support research into the detection, prevention, treatment and cure of breast cancer. www.dressforthecause.ca 7 + , 5 ' 3$ 5 7 < ( 9 ( 1 7 6 The Breast Cancer Society of Canada benefits from the work of many dedicated and passionate people who choose to make a difference by organizing a “Third Party”event. Over the years, these special occasions have grown, and today they make up approximately 18% of our gross revenues. We have developed tools to assist organizers, adding to the success of their event. 6 • Customized Online Donation Portals • Promotional Posters • Brochures • Promotion of Event on Website & Facebook • Ribbons Cowboys, hockey players, head shavers, boxers, bowlers, golfers, walkers, runners, riders, bikers. polar plungers, rugby players, bakers, jewellery makers, drillers, landscapers, shoppers, dancers, baseball players, singers….are all making a difference! www.bcsc.ca &$86(0$5.(7,1* Every year, every month, every day, gives us more reasons to say“Thank You!” chosen to get involved. Together we can make a difference. Together we can save lives! Due to research breast cancer survival rates have improved drastically. We applaud the efforts and dedication of all our corporate partners that have A peak as what some of our cause partners have been up to. Beautiful fruit arrangements are available every fall supporting breast cancer research. Help stomp out breast cancer with the“Heels for Healing Bouquet™”or the“Breast Cancer Awareness Bouquet®”in the pink ribbon keepsake container. Arrangements are available in all Canadian Edible Arrangements locations during the month of October. 7 Mallory is a third-generation family-owned business known for its quality since 1900. As leaders in cleaning and auto care products, Mallory“See A Better Road Ahead”pink themed products have created meaningful contributions for the Breast Cancer Society of Canada. President and creator of Flush The Fat, Gina Broccolo, wanted to give back to the communities and women who have impacted her life. Integrity Health Group is dedicated to scientific research, supporting holistic health and service to the community since its very beginning. A portion of sales from the purchase of Internal Flush 90ct is given to support breast cancer research. www.bcsc.ca &$86(0$5.(7,1* The Breast Cancer Society of Canada is pleased to announce a new partnership with bubba brands….because“A hero is within every breast cancer fighter”. Attention all Tic Tac lovers a new flavour is on the way! For a limited time, you can purchase Strawberry Fusion Tic Tac packs. A great new flavour, a beautiful new look, all in support of breast cancer 8 Mushrooms go PINK! Last fall, for every pound of mushrooms sold in PINK packages, Canadian mushroom farmers made a contribution of over $61,000 to the Breast Cancer Society of Canada. Look for mushrooms sold in pink packages again this fall! www.bcsc.ca London Health Sciences Foundation .............................................................................................. $500,000.00 QEII Foundation – Halifax .................................................................................................................. $200,000.00 Sunnybrook Hospital Foundation – Toronto ................................................................................ $197,700.00 Alberta Health Services, Tom Baker Cancer Centre – Calgary ................................................... $160,000.00 Michael Smith Foundation for Health Research – Vancouver ..................................................... $41,500.00 Total : $1,099,200.00 *5$176 Here is just one example of the impact of your donation. Over the years the Breast Cancer Society of Canada has awarded more than $4.4 million to the Pamela Greenaway Kohlmeier Translational Breast Cancer Research Unit (TBCRU) located at London Health Sciences in Londo, Ontario. This unit, under the direction of Dr. Ann Chambers, is world renowned for its cutting edge breast cancer research. Read on to learn about the work being done at the TBCRU. 9 This award supports many aspects of the work at the Pamela Greenaway Kohlmeier Translational Breast Cancer Research Unit at the London Regional Cancer Program, under the direction of Dr. Ann Chambers. This support includes studentships and post-doctoral fellowships, as well as“seed funding”of small grants to jump-start new research ideas. The Unit supports a wide variety of breast cancer research being carried out both at the London Regional Cancer Program as well as multiple Departments at Western University, all focused on understanding the disease better and improving care for patients. As of April 1, 2012, Dr. Alison Allan has been appointed as Assistant Director of the TBCRU, and in this role will continue to provide strong leadership and support of the aims and programs of the Unit, assisting Director Dr. Chambers in these responsibilities. Training program: The aim of this Program is to provide scholarships for excellent trainees at Western University, working in any appropriate Department and doing research that has a path to benefit breast cancer patients. For the academic year 2010-2011, the TBCRU supported 18 graduate student scholarships and 4 post-doctoral fellowships. For the academic year 2011-2012, the TBCRU is supporting 16 graduate student scholarships. These trainees were productive over this time period. From 2010 to present (March 2012), TBCRU-supported trainees published 39 research articles, and made 47 local presentations and 41 national/ international presentations. Small Grants Program: The aim of this Program is to provide “seed funding”awards to breast cancer researchers at Western, www.bcsc.ca in order to jump-start new projects and put our scientist in a strong position to compete for external research support and/ or to provide evidence to improve patient care. In fiscal year 2010-2011, 4 such projects were supported, and in fiscal year 2011-2012, 1 project was supported. Examples of recent breast cancer research supported by the Training and Small Grants Programs: A clinical trial has been started at the LRCP, by radiation oncologist Dr. Francisco Perera and translational scientist Dr. Eva Turley, to learn if a cream developed by Dr. Turley’s lab can reduce skin damage when breast cancer patients receive radiation treatments. Drs. Alan Tuck and Ann Chambers, along with graduate student Connor MacMillan, are studying what regulates early breast cancer progression, from ductal carcinoma in situ to invasive cancer and metastases. This work is important for helping to identify which early tumors are at higher risk for progression, and may also help in development of treatments to prevent pre-invasive tumors from becoming more aggressive. Trainees working with imaging scientist Dr. Jeffrey Carson are working on developing better ways to image breast tumors, using a new technique called 3D photoacoustic imaging. The goal of the research is to develop a method to diagnose breast tumors sooner and with greater accuracy, which may reduce the need for biopsy procedures and minimize the time from diagnosis to treatment. Graduate student Stephanie Dorman is working with genome bioinformatics expert Dr. Peter Rogan, to develop improved tests that more precisely identify molecular genetic changes in breast cancer. These tests can be used to better predict which tumors will be most aggressive and to determine which treatments may work best for individual patients. Graduate student Lori Lowes, working with translational scientist Dr. Alison Allan, is working on new ways to detect and study circulating tumor cells that are found in the blood of breast cancer patients, with the goals of understanding the biology and clinical implications of these rare cells in order to help personalize breast cancer patient treatment. Statement of Financial Position 2011 - 2012 Current Assets $ $ $ $ $ $ 200 806,588 87,190 26,802 51,848 972,628 $ $ $ $ 70,143 3,503 898,982 972,628 $ $ $ $ 381,459 1,352,964 2,128 1,736,551 $ $ $ $ 223,725 15,586 582,131 821,442 $ $ $ $ 16,838 - 124,637 1,099,200 991,401 $ (-76,292) ) , 1 $ 1 & , $ / 6 8 0 0 $ 5< Cash in Bank Short-term Investments Accounts Receivable Prepaid Expenses Capital Assets Current Liabilities Cheques written in excess of bank balance Accounts payable and accured liabilities General Fund Balance Revenue Donations and in memoriam Fundraising events Investment income General Expenditures Administration Amortization Fundraising 10 Functional Expenditures Breast Cancer Awareness & Education Canadian Breast Cancer Research Alliance - Refund Grants Excess of (Expenditures Over Revenue) www.bcsc.ca & $8 6 ( ( 9 ( 1 7 ' 2 1 $7 , 2 1 6 &DXVH 11 FOHR0DUN·V:RUN:HDUKRXVH $&,6WDU&DVH%D\HU+HDOWK&DUH.UDIW&DQDGD0XVKURRPV&DQDGD 0+HDOWK&DUH&KURPD*UDSKLFV([SHGLD&UXLVH6KLS&HQWUHV)HUUHUR&DQDGD/WG0DUNO\Q&R,QF6&-RKQVRQDQG6RQV /WG6&$1RUWK$PHULFD7HQD6XQVWDU$PHULFDV,QF9LQFRU,QWHUQDWLRQDO:HVW $OZD\V)RUHYHU)DPLO\&ROOHFWLRQ,QFRUSRUDWHG$VK&LW\:RUOGZLGH$XWRWH[3LQN$YRQ9DOOH\)ORUDO%)DVKLRQV,QF %DODQFH3OXV&XUOLQJ(TXLSPHQW%DVLFV2IÀFH3URGXFWV/LPLWHG%HOFDP,QF%URZQ6KRH&RRI&DQDGD&KHOVHD,QWHUQDWLRQDO,QF &RPDUN6HFXULWLHV,QF'H[WHU$VVRFLDWHV%UDQGW(OOH'LDQQH+XQQLIRUG'RUIXQG+ROGLQJV,QF(7%URZQH'UXJ&R,QF )DQF\/LQHQV'RPHVWLF*DUGHQLQJ/LIH0DJD]LQH*UHHO\6DQG*UDYHO*XLQHVV8'9&DQDGD,QF+RFNH\0RP·V$JDLQVW %UHDVW&DQFHU,QGHSHQGHQW'LVWLOOHUV&DQDGD,QWHJULW\+HDOWK*URXS/&%20DOORU\,QGXVWULHV,QF0LQLW&DQDGD1R/LPLWV 6SRUWVZHDU,QF1RYDUWLV2II7KH:DOO2SWLPD[(\HZHDU,QF2VUDP6\OYDQLD/WG5REHUW5LFKHU-HZHOOHU5ROI&+DJHQ,QF 3HWHU)HUUDJLQH6RQV,QF6FKDHIHU·V/DGLHV:HDU6NHFKHUV86$&DQDGD,QF6SULQJZDWHU:RRGFUDIW6XSUD'LVWULEXWLRQ 6ZDWFK*URXS&DQDGD7HDP*OHQQ+RZDUG7HDP6QXEELQJ6HUYLFHV,QF7HQVLRQ&ORWKLQJ,QF7KH7UHQG\*URXS76KLUW 0RQVWHU8QLOHYHU9LFWRU7HFKQRORJ\:LQQHUV+RPHVHQVHZWQ/LIHVW\OH7HOHYLVLRQ/LPLWHG=HEUD3HQ&DQDGD&RUS $UWLVDQR%DNHU\&DIp&UDEWUHH(YHO\Q'HKDDQ3DLQWLQJ(FOLSVH0HGLFDO,QF(GLEOH$UUDQJHPHQWV,QWHUQDWLRQDO,QF(QEULGJH *DV'LVWULEXWLRQ)DFWRU\'LUHFWFD)URPDJHULH'HV1DWLRQV,QF*HUPLSKHQH&RUSRUDWLRQ*XQWKHU0HOH/WG,GHDO)DVWQHUV ,QF,JORR3RUGXFWV&RUSRUDWLRQ-:$*URXS,QF-XOL)DVKLRQ(VVHQWLDOV.DO7LUH.ODVVHQV%URQ]H/LPLWHG/LQHD,QWLPD/LQJHULH 0F/HDQ0F/HDQ&RPSXWHU6HUYLFHV1RUVN)LWQHVV2SWLN/WG3HWHU)HUUDJLQH6RQV/WG5DFN3HWUROHXP/WG6DP·V &OXE&DQDGD6DUQLD6DLQWV5XJE\)RRWEDOO&OXE6FDSD1RUWK$PHULFD6SHFVRQ3HDUO6SULQJ0DVWHUV&DQDGD6SULQJZDWHU :RRGFUDIW66*UHHQKRXVHV6WDQOH\&DQDGD&RUSRUDWLRQ776XSHUPDUNHWV7DQJOHG9LQHV(VWDWH:LQHU\7RPER\7RROV &DQDGD:LQSOXV1RUWK$PHULFDQ,QF (YHQWV 'HZLWK)UD]HU)LJKW)RU7KH*LUOV2SHQ-DZ1HWZRUN/WG $O3DOODGLQL·V3LQH7UHH)RUG/LQFROQ%RZOLQJ)RU%RREV&DQWHU)RU7KH&XUH'·$QJHOR%UDQGV-RDQ':HDWKHUKHDG0HPRULDO 6QRRNHU7RXUQDPHQW2QWDULR%XLOGLQJ2IÀFLDOV$VVRFLDWLRQ6&27,$%$1.7RURQWR:DWHUIURQW0DUDWKRQ6ZLQJ)RU7KH&XUH7KH ,WDOR&DQDGLDQ&XOWXUDO&OXERI/D]LDOLGL6DUQLD $/LWWOH2II7KH7RS/HW·V0DNH0U&OHDQ-HDORXV$GULDQ9HUZHJHQ)ULHQGV¶2XW6SRNLQ·$YHQXH0RWRU:RUNV%UHQGD'HOLQH %UHDVW1HZ<HDU(YHU%UHDVW%ULGH6WULGH&KDULW\)DOO&ODVVLF*ROI7RXUQDPHQW&767RXUQDPHQWV3URPRWLRQV&\FOH)RU$&XUH (VVH[·V)DWKHU/HR7$XVWLQ&DWKROLF66)RUW(ULH-U%+RFNH\&OXE*LOODP/HJLRQ%UDQFK+RZDUG6%LOOLQJV+LJK6FKRRO ,&7*URXS,Q+RQRXURI/HDQQD*UDELVK5DWWUD\.6XWFOLIIH-XVWLFH)RU7KH&XUH.DUGLQDO&KULVWPDV.UDY0DJD7UDLQLQJ S \ J J &HQWUH0HWURWRZHU2IÀFH&RPSOH[0LUDQGD*DOORS:)*&KDULWDEOH7UXVW2DNYLOOH6WDPSLQJ%HQGLQJ3LQNDSDORR]D3RODU 3OXQJH5DGD·V:DON5RFN¶1+RUVH)HVWLYDOV&RUS6DUQLD+HDY\&RQVWUXFWLRQ$VVRFLDWLRQ/DGLHV1LJKW2XW6DQG\6FDPXUUD 6FRWLDEDQN:RPHQ·V&KDULW\&KDOOHQJH6KLUOH\)XGJH6KRSSHUV'UXJPDUW7UHH2I/LIH6RXWK2NDQRJDQ6WRFN+RUVH'D\6W $QGUHZ/DGLHV3LQN1LJKW6W3DWULFN·V&DWKROLF+LJK6FKRRO6XQFRU(QHUJ\3URGXFWV6DUQLD5HÀQHU\6ZDWFK*URXS7KH*UHDW 6KDYH5RVWHQ%HUJVPD%XVLQHVV6ROXWLRQV:)*&KDULWDEOH7UXVW:/8/HWWHUPDQ&OXE<RUNWRQ7HUULHUV 0HQV+RFNH\/HDJXH$GDP6ZHHW5RVH&DPSDLJQ$MD[3URIHVVLRQDO)LUH)LJKWHUV$VVRFLDWLRQ$O)OHPPLQJ%UHDVW&DQFHU %DVHEDOO7RXUQDPHQW$OEHUWD&OLSSHU(QHUJ\,QF$OLFLD6DQWDTXLGD$SSOHEHH·V/RQGRQ%DOGLQJ%RWWOH'ULYH%DWRXO$KPHG 6WULNH2XW%UHDVW&DQFHU%LVKRS8QLYHUVLW\%OXHZDWHU%ULGJH$XWKRULW\%OXHZDWHU-XQLRU+DZNV%OXHZDWHU3RZHU%RVWRQ3L]]D %RZULQJ&R,QF%UDPSWRQ([WUHPH6OR3LWFK/HDJXH&DPSLQJ$ORXHWWH&DQDGLDQ6RFLHW\RI7HFKQLFDO$QDO\VWV&DUOWRQ 8QLYHUVLW\6FKRRO2I,QGXVWULDO'HVLJQ&DVDGD5HVWDXUDQW%DU&DWK\$JLSSD&$:/RFDO&HQWHQQLDO&9,%XVLQHVV /HDGHUVKLS&KLFNVZLWK7ULFNV&KLQHVH6WXGHQWV·$VVRFLDWLRQRI8%&&KXUFKLOO)DOOV&XUOLQJ&OXE&LQG\+DUDVHQ&RXUWQH\6FKRRO RI'DQFH&URS$/RW&URVV&RXQWU\&XUH'DUU\O6FRWW*ROÀQJ,Q3LQN'LDQH)XOFKHU7HD3DUW\'XQEDUUWRQ+LJK6FKRRO(FROH )RUHVW7UDLO6HFRQGDU\6FKRRO(FROHVHFRQGDLUH'HV6RXUFHV(OLVD$OOHQ(U\Q$WWRQ)DVKLRQ)RU7KH&XUH)ULHQGVRI3UR5RGHR )URPDJHULH'HV1DWLRQV,QF*RRG/LIH)LWQHVV&OXEV*UHHQÀHOG3DUN3DFNHUV)RRWEDOO$VVRFLDWLRQ*UH\%UXFH+HDOWK6HUYLFHV 05,'HSW*ULPVE\6HFRQGDU\6FKRRO+DUERXU%D\&ORWKLQJ*LIWV+++LNHWR+HDO+HDWKHU&OHPPHU+LODU\.ZLQWHU +RPDF+RPH+DUGZDUH:RRGVWRFN+RPH+DUGZDUH6W7KRPDV*HHUOLQNV,QWHJUD1HWZRUNV-HQL0DULQHVFXWK%LUWKGD\ -HDQ9DQLHU&DWKROLF6FKRRO-LOO/HZLV-XQLRU%LVRQV89ROOH\EDOO&OXE.DWKU\Q0DUNZLFN.DWK\6WUDFKDQ+HDG6KDYLQJ .D\OD%UDJJ.LQJ&LW\1DWXUDO+HDOWK&HQWUH.RKO)ULVFK/WG.RUWULJKW+LOOV3XEOLF6FKRRO/DPEWRQ0DOO&KDULWL\)DVKLRQ6KRZ /(*6/DGLHV(OHFWURQLF*ROI6RFLHW\/RFNKHHG0DUWLQ&DQDGD/XFDQ'LVWULFW/LRQV&OXE0DGL·V0LVVLRQ0DGRF'ULYH3XEOLF 6FKRRO0DHVRQ9DQ0HHUEHUJHQ0DQXOLIH*ROI7RXUQDPHQW7RURQWR0DULO\Q.HUHOLXN0DU\9DQGHUZDO0HWFDOIH&XUOLQJ&OXE 0HWUR0DVTXHUDGH0RRUHWRZQ6SRUWV&RPSOH[3LQN6ZHDWHU+RFNH\*DPH0XUSK\7UDLOV0\6HFUHW*DUGHQ1HLO*UDFH %RWKRPOH\9,3,PSHULDO2LO1HZ:HVW0LQRU+RFNH\$VVRFLDWLRQ1RUWKHUQ9LOODJHRI.XXMMXDUDDSLN190+$%DQWDP$7HDP 2DNYLOOH6WDPSLQJ%HQGLQJ/WG2SSODVW,QF3DPHOD%DQNV:D\3DW0F*LOOLYDU\3HWUROLD6WXGHQWV2QWDULR+LJK6FKRRO 5RGHR$VVRFLDWLRQ3LQN6ZHDWHU+RFNH\*DPH3RLQWRI3XUFKDVH$GYHUWLVLQJ3UHVVSULQW,QF5DFKHO6PLWK+HDG6KDYLQJ5HG 'DZQ0DUWLDO$UWV5RWDU\&OXERI%ULGJHQRUWK6DPXHOGH&KDPSODLQ6DUQLD*UHHNIHVW6DUQLD/DZQ%RZOLQJ&OXE6DUQLD <RJD6FUXII\0XUSK\·V,ULVK%DU6KDYH7R:LQ6326$6W/DZUHQFH&KXUFK$&::RPHQ·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pEHFHW&KDXGLHUH$SSDODFKHV&(3/RFDO&KHP(FRO/WG&ROOLQV%DUURZ&RPPXQLW\)LUVW&UHGLW8QLRQ &RUSRUDWLRQRIWKH&LW\RI/RQGRQ&XUWLV&DUSHWV'DLQROLWH/LPLWHG'HVPDVGRQV%RDW:RUNV(GPRQWRQ$UHD&KLOGDQG)DPLO\ 6HUYLFHV(PFR&RUSRUDWLRQ:DWHUZRUNV(UQHVW'H/DURQGH*DU\0DF'RQDOG*RXOG)DVWHQHUV*UDQGH3UDLULH)LUH)LJKWHUV *URXS&RQQHFW/WG*URXSH*),6ROXWLRQV+DLUEHQGHUV+DXVHU·V3KDUPDF\+D\ZDUG3RRO3URGXFWV&DQDGD,QF+%6WXGLRV +RSHRI*RG&KXUFK,%0(PSOR\HHV·&KDULWDEOH)XQG,PSHULDO2LO)RXQGDWLRQ,QFUHGLEOH3ULQWLQJ-DNHV6WHDNKRXVHDQG3XE -DZO3URSHUWLHV/WG-D\/RUL3HWHUV-HZLVK)RXQGDWLRQRI*UHDWHU7RURQWR.RVPRV5HVWDXUDQW/RXQJH/DPEWRQ&ROOHJH /DYDO)RUWLQ/WHH0DQXOLIH)LQDQFLDO8QLWHG:D\$GPLQ0D[DQ'U\ZDOO0HGHOD&DQDGD0U$EH/HYHQWKDO0U&UDLJ )ORRG0V-DFTXHOLQH5DQJHU1RUULV)RUG6DOHV/WG2DN3DUN/DNHVKRUH2QH0DQ0XVLF,QF3DUDGLJP)LQDQFLDO$GYLVRUV T J J 3HQQ:HVW([SORUDWLRQ3HULPHWHU$YLDWLRQ/33RZHOO-RQHV//35%&'RPLQLRQ6HFXULWLHV5HVWDXUDQW%DUELHV5LFKDUG):DOVK S $OIUHG:'L7ROOD+DUROG36SLYDN6DOW6SULQJ,VODQG)LUH5HVFXH6FRWLDQ*ROG&RRSHUDWLYH/WG6HUYLFH0DVWHURI'XUKDP 6LOKRXHWWHV%RXWLTXH62%(<·66RQLD*RXODUW6W$QQ·V5HVLGHQFH6XQFRU(QHUJ\)RXQGDWLRQ6XQFRU(QHUJ\3URGXFWV,QF6XUHUXV &RQVWUXFWLRQ'HYHORSPHQW/WG6XUHUXV3LSHOLQH,QF7KH$ODVWDLUDQG-HQQLIHU0XUUD\)RXQGDWLRQ7KH&DQDGLDQ%DU$VVRFLDWLRQ 7RP)RVV7ZHQWLHWK$QQLYHUVDU\8/&8QLWHG:D\RIWKH/RZHU0DLQODQG8QLWHG:D\2WWDZD9RLVLQ'HYHORSPHQWV/LPLWHG :DO0DUW:HVWHUQ)LQDQFLDO*URXS:HVWHUQ)RRGV:LQQHUV VW&KRLFH6DYLQJVDQG&UHGLW8QLRQ.H\V&RUSRUDWLRQV'HQWDO2IÀFH$.:LJJ3XEOLF6FKRRO$7D[L,QF$%%,QF 5DIÀQ/RFDWLRQV$EVROXWH)XVLRQ&RQWUDFWLQJ$FFHQW&UHGLW8QLRQ/WG$FFHQW,QQV9LFWRULD$FFHQWXUH$FFqV0LQL(QWUHS{W $FFHVV3LSHOLQH,QF$FX3UR3K\VLRWKHUDS\&OLQLF$GDPV6WHHO)DEULFDWRUV/WG$GDPVRQ$VVRFLDWHV$UFKLWHFWV$GLW\D%LUOD0LQDFV $GYDQFH6DYLQJV&UHGLW8QLRQ$GYDQWDJH5HDO(VWDWH$IÀQLW\+DLU6DORQ$IÁLFWLRQ3LSHOLQH6HUYLFHV/WG$J*URZWK,QGXVWULHV $.;/XPEHU/WG$OEHUWD+HDOWK6HUYLFHV&ROG/DNH&RPPXQLW\$OLDQW$OPRQWH&KLURSUDFWLF&HQWUH$OPRQWH9HWHULQDU\6HUYLFHV $OWHUQD6DYLQJV&UHGLW8QLRQ$PDQGDDQG0DUJDUHW:LJÀHOG$0,(QWHUSULVHV$QGHUVRQ&ROOHJLDWH9RFDWLRQDO,QVWLWXWH $QGHUVRQ:HEE$QGUHZ6KHUHW/LPLWHG$QJHOD0F4XHHQ$QQ1HOVRQ$QQLH·V%RXWLTXH$215HHG6WHQKRXVH$SH[/LPLWHG 3DUWQHUVKLS$57KRPVRQ*URXS$UL]RQD7DQ$UWDÁH[,QF$UWKXU9RDGHQ6HFRQGDU\6FKRRO6WXGHQWV·&RXQFLO$6/'LVWULEXWLRQ S S \ $VVHPEO\RI0DQLWRED&KLHIV$VVHUWLI$7%)LQDQFLDO$WODQWLF3DFLÀF7UDQVSRUW/WG)LOPRUH7UXFNLQJ,Q$WODQWLFD0HFKDQLFDO &RQWUDFWRUV$WODQWLV6\VWHPV,QWHUQDWLRQDO$WODV9DQ/LQHV&DQDGD/WG$XJXVWLQH%DWHU3RORZLQ//3%6KDUS7HFKQRORJLHV,QF %DFNVWDJH7HFKQRORJLHV,QF%DNHU3HWUROLWH%DQWUHO%DUNV)LQDQFLDO%DVVHWW:DONHU,QWHUQDWLRQDO,QF%DWHV%DUULVWHUV%DWWOH 5LYHU6FKRRO'LYLVLRQ%D\VKRUH+RPH+HDOWK%&%URLOHU+DWFKLQJ(JJ&RPPLVVLRQ%&*(8/RZHU0DLQODQG$UHD2IÀFH %HDFK(OHFWULF%HDXW\%<2+DLU6DORQ%HDYHUO\)LUH5HVFXH%HOFDP,QF%HOO&DQDGD1331HZPDUNHW%HOO3HUIRUPLQJ$UWV &HQWUH%HOO%RRWK6LUNND2SWRPHWULVW%HOODPDULH6DORQ%HOO·V7DHNZRQGR/WG%HOYHGHUH&DUH&HQWUH%HYHUOH\%URZQH %HYHUO\'HFRUDWLQJ%LJ'DGG\·V&UDE6KDFN2\VWHU%DU%.(-:$121*&KLOGUHQ·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·5HVLGHQFH&$:/HJDO6HUYLFHV3ODQ&$:/RFDO&$:/RFDO&%,+RPH+HDOWK+DPLOWRQ &%9&ROOHFWLRQ6HUYLFHV/WG&HQRYXV&HQWHQQLDO2SWLFDO/WG&HQWUDLGHGX*UDQG0RQWUpDO&HQWUDO6WDPSLQJV/LPLWHG S S J &HQWUDO6WDPSLQJV/WG&HQWUH)RU)DPLO\0HGLFLQH&HQWUHUpFUpDWLIeGRXDUG5LYHW&HQWUH6WDJH'DQFH6WXGLR,QF&KDQ)RXFKHU /H)HEYUH//3&KDULW\&RPPLWWHH&KDUOHV+DYLOO&KDUWHUHG$FFRXQWDQW&KDUWHUHG$FFRXQWDQWV&KDUWZHOO&ODVVLF2DN3DUN &KDUWZHOO&ODVVLF2DN3DUN7HUUDFH&KDXGLHUH$SSDODFKHV&HQWUDLGH4XHEHF&KHFNZHOO'HFLVLRQ&RUSRUDWLRQ&KHPWUDGH /RJLVWLFV,QF&KLFRSHH&UDIWVPHQ&KRPLFNL%DULO0DK//3&KRUOH\%LVVHW/WG&KU\VOHU6KLOOLQJWRQ&RRU-RKQVRQ)HGXN.LQ &KXFN(DV\·V)HVWLYDO)RUG6DOHV/LPLWHG&LWLPDUN&LWL]HQVKLS,PPLJUDWLRQ&DQDGD&LW\+DOO&KDULW\&KHVW)XQG&LW\ RI%XUQDE\&LW\RI&DOJDU\<RXWK(PSOR\PHQW&HQWUH&LW\RI&KLOOLZDFN&LW\RI+DPLOWRQ&RPPXQLW\6HUYLFHV&ODLUH·V+RPH &DUH6HUYLFHV&ODQF\·V5DLQERZ&ODUNH·V3KDPDF\7KRPSVRQ&ODUNH·V3KDUPDF\&ODVVLTXH1DLO6SD,QF&ODXGH'HV5RVLHUV +ROGLQJV&OLQLTXH&KLURSUDWLTXH/DFRUGDLUH&ORYHU9DOOH\,QGXVWULHV&ORZ&DQDGD&OXE,QWUDZHVW&0/3URSHUWLHV&06,QF &0:,QVXUDQFH6HUYLFHV&RDVW5HDOW\*URXS&RGH\0FLQW\UH&RJQLV&DQDGD&RUSRUDWLRQ&RLIIXUH/H)LJDUR)LJDUHOOH &ROGVWDU)UHLJKW6\VWHPV,QF&ROGZHOO%DQNHU3LQQDFOH5HDO(VWDWH&ROOHFW&RUS,QF&ROOHJH5LYLHU&ROOLQV%DUURZ9DXJKDQ//3 &ROOLQV%DUURZ5HG'HHU//3&RORQHO%\&KLOG&DUH&HQWUH&ROXPELD3DFNDJLQJ&RPDUN,QF&RPPRQ:HDOWK&UHGLW8QLRQ &RPPXQLFDUH7KHUDS\&RPPXQLW\(YHQW2OG)RUW%D\&RPPXQLW\)LUVW&UHGLW8QLRQ&RPPXQLW\5HKDE&RPPXQLW\6DYLQJV S\ \ \ \ \ \ J 3DUNODQG6TXDUH&RPVWRFN$Q(PFRU&RPSDQ\&RQFHUW3URSHUWLHV&RQFRXUV0ROG,QF'HQNHQ7RROLQJ&HQWUH&RQIHGHUDWLRQ $QLPDO+RVSLWDO&RQJUHJDWLRQRIWKH6LVWHUV&RQJUHJDWLRQRIWKH6LVWHUVRIWKH3UHVHQWDWLRQ&RQWHPSRUDU\6FKRRORI'DQFH &RQWLQHQWDO&XUUHQF\([FKDQJH&RQWLQHQWDO5RRÀQJ&RUQHUVWRQH&UHGLW8QLRQ&RUSRUDWLRQG·,QYHVWLVVHPHQWV6DQSDOR&RUSRUDWLRQ RIWKH7RZQRI0LGODQG&RVWFR:KROHVDOH*UDQGYLHZ/RFDWLRQ&RXQWHUSRLQW$FDGHP\&RZDQ*UDSKLFV,QF&3&)LQDOV &UDLJDQG%DUEDUD:LUFK&UHGHQWLDO&UHVFHQW6FKRRO&ULFNOHZRRG,QWHULRUV&URVVURDGV&,'LVWULEXWRUV,QF&URZQ$WWRUQH\·V 2IÀFH&URZQRI-HZHOV+DLU6DORQ&URZQ3URSHUW\0DQDJHPHQW&URZQH3OD]D&KDWHDX/DFRPEH&6(&RQVXOWLQJ&66%,&63, &XUYHV&XUYHV1HXIFKDWHO/DURVH&\QWKLD%UD\&\SUHVV9LHZ)RXQGDWLRQ&]LUDN\*URVVL&KDUWHUHG$FFRXQWDQWV'DOODV+DXO,QF 'DQLVFR&DQDGD'DYHQSRUW6DOHVDQG$XWR6HUYLFH&DQDGLDQ7LUH'DYLG'·2OLYHLUD'DYLG:DVKEXUQ'HDQ0FOHLVK'HEUD 'HH:HGGLQJV'HKDDQ3DLQWLQJ'HQLVH&ODUNH'HQWDO$UWV%XLOGLQJ'HQWLVWU\RQ.HQW'HQWLVWU\RQ.LQJVULGJH 2 7 + ( 5 ' 2 1 $7 , 2 1 6 %DUU\·V$XWRPRWLYH,QGXVWULDO6XSSO\/WG'RQDOG)RUEHV*RYDQ%URZQ&RQVWUXFWLRQ0DQDJHUV,&,3DLQWV,QQLYLW\0DUNHWLQJ *URXS0HGLFDUG)LQDQFH2&7DQQHU5HFRJQLWLRQ&RPSDQ\/LPLWHG5%&5R\DO%DQN5605LWFKHU,QF6FRWLDEDQN7'&DQDGD 7UXVW8QLWHG:D\RI*UHDWHU7RURQWR:HVWVLGH6HFRQGDU\6FKRRO 12 2 7 + ( 5 ' 2 1 $7 , 2 1 6 13 'LGVEXU\9DOXH'UXJ0DUW'LUHFW%X\RI7RURQWR(DVW'LYHUVH(OHFWRQLFV,QF'LYLQH&UHDWLRQV'.&,QVXUDQFHDQG)LQDQFLDO &RUSRUDWLRQ0DUNKDP'0&7//3'RQDOG$OWRQ'RQDOG/LQGHUV'RQDOGVRQ&DQDGD,QF'RQDOGVRQ·V3KDUPDF\'RURWK\DQG -RKQ0DFLYHU'RXJ0DF'RQDOG'30,QVXUDQFH*URXS'U%UXFH+DUOH'HQWDO2IÀFH'U&KULVW\1DWVLV'HQWDO2IÀFH'U-XOLDQ *HOOHU'U'DYLG)DUNRXK)ULHQGV'U0LFKDHO$UVHQDXOW'HQWLVWU\'U1DWDOLD(YDQV,QF'HQWLVW'U3DXO$:LWW,QF'U=DLPLQ 'DZRRG'ULYHUFKHFN'XJJDQ0DOO'XQGHH6HFXULWLHV&RUS'XUKDP3K\VLRWKHUDS\:HOOQHVV&OLQLF'ZLJKWV*HQHUDO6WRUH (DUPPHDQG$VVRFLDWHV(DVW3ULQFH&HQWUHIRU/HDUQLQJDQG:RUN(DVWHQG:ROI:LOORZ+HDOWK&HQWHU(DVWHUQ&RQVWUXFWLRQ J &RPSDQ\(DVWHUQ&RQVWUXFWLRQ&RPSDQ\/WG(%6&2&DQDGD/WG(FKHORQ+RPH3URGXFWVeFROH0DWKLHX0DUWLQ(GPRQWRQ1XW %ROW(OHFWULFDO6DIHW\$XWKRULW\1RUWKHUQ5HJLRQ(O(Q3DFNDJLQJ&R/WG(OH[FR/WG(OL]DEHWK·V/LQJHULH(OOLVRQ7UDYHO7RXUV (OO5RG,QF(/6/DQJXDJH&HQWHUV(PHU\YLOOH'HQWDO(QEULGJH(QWHUSULVH5HQW$&DU&DQDGD/WG(QYLVLRQ&UHGLW8QLRQ (QYLVLRQ)LQDQFLDO(TXLUH[/HDVLQJ&RUS(63&KDUWHUHG$FFRXQWDQWV(VWDWHRI%HDWULFH*UDKDPH(VWDWHRI0DGDPH$GULHQQH /DXULQ(VWKHWLFV3OXV(XJHQHDQG$OH[DQGULD%RPED(XJHQH+HGGOH(YDQV3KLOS//3([FHO+XPDQ5HVRXUFHV([HO&DQDGD ([SHGLD&UXLVH6KLS&HQWHUV(=(($70/3(]HO2UÀ)DLUERUQH(QHUJ\7UXVW)DLUYLHZ9DOXH'UXJ0DUW)DONLQV,QVXUDQFH*URXS )DPLO\/DZ2IÀFH)DUP&UHGLW&DQDGD)DUP:RUOG3$)LHUD)RRGV)LHUD)RRGV&RPSDQ\)LQDQFLDO/HDUQLQJ&HQWUHV)LUVW 2QWDULR&UHGLW8QLRQ)LUVW6WXGHQW&DQDGD)OLQW(QHUJ\6HUYLFHV/WG)OLQW)OXLG6HUYLFHV/WG)RRGODQG.QHFKWHO)RRG0DUNHW )RUEHV%URV,QF)RUEHV:DWHUORR7R\RWD)RUHYHU<RXUV/LQJHULH)RUW(ULH&KDULW\6OR3LWFK7RXUQDPHQW)RUW(ULH&RPPXQLW\&UHGLW 8QLRQ)RUW(ULH&UHGLW8QLRQ)RUW0F0XUUD\3XEOLF/LEUDU\)RWLRX)UDPHV/WG)RXU6HDVRQV'U\ZDOO)UDQFHV=\WRUXN)UDQNOLQ 7HPSOHWRQ,QYHVWPHQWV&RUS)UDVHU0LOQHU&DVJUDLQ)UHGGLH·V3DLQWDQG'HWDLOV)UHHGRP:LUHOHVV)ULEUHFOHDQ6XSSOLHV/WG)6& $UFKLWHFWV(QJLQHHUV)XOIRUG6XSSO\)XOOHU/DQGDX//3*30LOOZRUN/WG*DUODQG*DU\$QGUHZV*&:&XVWRP.LWFKHQV &DELQHWU\,QF*(6HFXULW\&DQDGD*HPDOWR*HQHUDO0RWRUV6W&DWKDULQHV(QJLQH*HRII.XEULFN*HRUHI6\VWHPV/WG*(6 &DQDGD*LOOLDQ2[OH\+DUSHU*LWODNGDPL[&HUHPRQLDO'DQFHUV*OHQ)HQZLFN0RWRUV*OHQGD·V3ODFH+DLU6DORQ*OREDO 0DWUL[*OREDO5HWDLO6WUDWHJLHV,QF*ORYHU,QWHUQDWLRQDO7UXFNV/WG*RGHULFK$LUFUDIW,QF*ROGHU$VVRFLDWHV/WG*RRGVRLO&UHGLW 8QLRQ*RRGZLQ0F.D\*RRG\HDU&DQDGD,QF*RUGRQ:HEHU*RUH,QVXUDQFH*UDQG0DQDQ)LVKHUPHQ·V$VVRFLDWLRQ*UDQW %UDGOH\)DJHUKHLP*UDQW0LOOHU0RWRUV*UD\PRQW/LPLWHG*UHDW&DQDGLDQ&DVLQR,QF9LHZ5R\DO*UHDW:HVW/LIH$VVXUDQFH *XHOSK7R\RWD*X\)RUWLQ+DLUE\1DWXUH+DOOPDUN&DQDGD+DQOH\*ROI&OXE+DQVHQ·V<RXU,QGHSHQGHQW*URFHU+DSS\ +RQGD+DUGHQ·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ÀUPHULH1RWUH'DPH'H%RQVHFRXUV,1*5HDO(VWDWH&DQDGD,QJUDP0LFUR,QOHWW,QF ,QQRYDWLYH%XOLGLQJ3URGXFWV,QF,QWHJULV&UHGLW8QLRQ,QWHOOLJHQW+RVSLWDOV6\VWHPV/WG,QWHUQDWLRQDO&HQWUH,QWHUQDWLRQDO+DLU $FDGHP\,QWHUSURYLQFLDO&RUURVLRQ&RQWURO&RPSDQ\/LPLWHG-(QQLV)DEULFV/WG-DFREV7KRPSVRQ,QF-DPHV6WHYHQV-HII %XUFKLOO-HQLFD+ROGLQJV,QF0RQH\0DUW-HQVHQ&XVWRPV%URNHUV&DQDGD,QF-HUU\DQG&KHU\OO.XKZDOG-HUU\·V1R)ULOOV-HVVLH :ULJKW-LP&XUU\-RDQ%UDQGW-RG\/HWRXUQHDX-RKQ%URZQ-RKQ+RZDUG6RFLHW\RI1LDJDUD-RKQ-RKQVRQ-RKQ5RDFK -XOLHGH*RXZ.DO7LUH.DPORRSV1DWLYH+RXVLQJ6RFLHW\.DQXND7KXULQJHU//3.DUHQ5HJHU.DUO\'ROPHU&URZQRI-HZHOV +DLU6DORQ.DW]*URXS&DQDGD/WG.DZDUWKD2UWKRGRQWLFV.HHZDWLQ$LU/WG.HLWK3LNH.HOOV$FDGHP\.HOVH\V5HVWDXUDQW 6WRUH.HQW%XLOGLQJ6XSSOLHV.H\HUD(QHUJ\.LG/RJLF&KLOGFDUH.LQHWWH&OXERI6WXUJLV.LQJVPLOO·V'HSDUWPHQW6WRUH .LQJVZD\)LQDQFLDO6HUYLFHV,QF.LWFKHQHU/DQG5HJLVWU\2IÀFH.0+&DUGLRORJ\DQG'LDJQRVWLF&HQWUHV.RQLFD0LQROWD%XVLQHVV 6ROXWLRQV&DQDGD/WG.:6XUSOXV.ZLN.RS\'HVLJQ3ULQW&HQWUH/D&RRSpUDWLYHGH5RJHUVYLOOH/WpH/·$FWXHO)pPLQLQ3UrWj 3RUWHU/DNH&RXQWU\/LTXRU6WRUH/DPEWRQ&RXQW\%XLOGLQJ:\RPLQJ/DPEWRQ/LIH/DQGRI/DNHV&KDSWHURI2%2$ /DQGPDUN+RPHV&DOJDU\,QF/DZUHQFH0DOP/D[JDOWV·DS1LVJDD9DOOH\+HDOWK'HSW/D[JDOWVDS9LOODJH*RYHUQPHQW/D]LHU +LFNH\//3/&%2/H*URXSH0RQWRQL'LYLVLRQ&RQVWUXFWLRQ,QF/HH:ULJOH\/HUR\'LVWULFW5HFUHDWLRQ%RDUG /HVOH\*HUDUG/HWKEULGJH)DPLO\6HUYLFHV/HWKEULGJH9RONVZDJHQ/HWR6WHDN6HDIRRG+RXVH/WG/LEUR)LQDQFLDO*URXS /LIHSODQ)LQDQFLDO&RQVXOWLQJ*URXS/LPD·V*DUGHQV&RQVWUXFWLRQ/,81$/RFDO7UDLQLQJ&HQWUH/LYLQJVWRQ,QWHUQDWLRQDO,QF /OR\G%XV'HOLYHU\6HUYLFH/RQGRQ5HJLRQDO&DQFHU3URJUDP/RQNDU:HOO7HVWLQJ*UDQGH3UDLULH/RUG6HONLUN7HDFKHUV· $VVRFLDWLRQ/RUHQ]&XUULH&KDUWHUHG$FFRXQWDQWV/RXLVH.RRODQG*DOW/LPLWHG/RXLVH·V)LWQHVV&HQWUH/XNV2UWKRGRQWLFV/\QQ /DNH)ULHQGVKLS&HQWUH/\QQH=DUEDWDQ\0.$XWR5HF\FOHUV000HDW6KRSV0$0*URXS,QF0$3:DWHU6HZHU 0EUJU0DFNHQ]LH&RXQVHOOLQJ6HUYLFHV0DFTXDULH)LQDQFLDO/LPLWHG0DFTXDULH*URXS)RXQGDWLRQ0DGDZDVND6KRSSLQJ&WU 0DSOH5HLQGHUV&RQVWUXFWRUV/WG0DUFKpDX[SXFHVSRXU(//(60DULDQ&KDWHDX5HWLUHPHQW9LOOD0DUNDQG.U\VWDO6FKRXWHQ 0DUULRWW*OREDO5HVHUYDWLRQ6DOHVDQG&XVWRPHU&DU0DUWHQV/LQJDUG//30DUWLQ:ULJKW,QVXUDQFH%URNHUV0DUWLQDQG*LVHOH /HKPDQ0DU\+HOHQ*DUYLH0DU\:RQJ0DWpULDX[%ODQFKHW,QF0DWWKHZ6FRWW'DWD0DUNHWLQJ6ROXWLRQV,QF0D[DQ0LOOZRUN 0D[ZHOO5HDOW\/HWKEULGJH0%1$&DQDGD%DQN0F'RQDOG·V5HVWDXUDQWV0F(OKDQQH\/DQG6XUYH\V/WG0F.HQ]LH'HQWDO &HQWUH0F.LQVWU\&KU\VOHU0F/HQQDQ5RVV//30F0DVWHU'LDJQRVWLF,PDJLQJ0F7DJXH/DZ)LUP//30HGLFDO3KDUPDF\ 0HGL3OXV0HGLVFD0HGLVFD3KDUPDFHXWLTXH,QF0HGL[6FKRRO0HOLVVD6FRWW0HUFN&DQDGD0HUJDHUW5DWKJHEHUDQG %DUIRUG&$·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·D/LVLPV*RYW1LVJD·D9DOOH\+HDOWK$XWKRULW\1RUD%DUQHWW1RUWKHUQ/LJKWV&UHGLW8QLRQ1RUWKHUQ 5RFNLHV)LUH5HVFXH1RWUH'DPH&ROOHJH6FKRRO1RY+\GUD5LJ1RZFR+RPH+DUGZDUH1X6WDU7HUPLQDOV&DQDGD3DUWQHUVKLS 2EVWHWULFV*\Q&OLQLF2/$6WDIÀQJ2OEHUW0HWDO6DOHV/WG2OLYHU%RFN2OVHQ6RWWLOH,QVXUDQFH%URNHUV,QF2PLVWD&UHGLW 8QLRQ2Q/LQH6XSSRUW2QWDULR3RZHU*HQHUDWLRQ,QF2QZDUG0DQXIDFWXULQJ&RPSDQ\2WWDZD6WUHHW'HQWDO2IÀFH2XOWRQ &ROOHJH2XW6SRNH·Q%LNHDQG6SRUW3$&(6DYLQJV&UHGLW8QLRQ3DFLÀF1RUWKHUQ5DLO&RQWUDFWRUV,QF3DFNLQJ+RXVH3XE 3DQRND5LVLQJ6XQ&OXEKRXVH3DUDPHG+RPH+HDOWK&DUH3DUDPRXQW3KDUPDVDYH3DUNVYLOOH&LYLFDQG7HFKQRORJ\&HQWUH 3DUPDF\$FFHVV6ROXWLRQV,QF3DUULVK+HLPEHFNHU/LPLWHG3DUU\6RXQG0DOO3DUU\6RXQG0XVNRND&KDSWHU3DW5REHUWV 3DWULFN·V+DLU&DUH(VWKHWLFV3DXO'DPS3%%/LYLQJVWRQ,QW·O3%/,QVXUDQFH3&/&RQVWUXFWLRQ0DQDJHPHQW,QF3HDFH&RXQWU\ +HDOWK+RPH&DUH3HDN9RFDWLRQDO6HUYLFHV3HJDVR(QWHUSULVHV/WG3HUIRUPDQFH3DYLQJ6HUYLFHV,QF3HULPHWHU$YLDWLRQ/3 3HUPDFRQ3HWHU+XDQJ3HWHUERURXJK&KU\VOHU-HHS3HWHUERURXJK*ROI&RXQWU\&OXE3KDUPDF\$FFHVV6ROXWLRQV,QF 3KDUPDVDYH3KLO6RWWLOH3KLOOLSV+DJHU1RUWK,QYHVWPHQW0DQDJHPHQW,QF3KLORPHQD4XD\H3LORQ3URIHVVLRQDO &RUSRUDWLRQ3LQHULGJH7UHH/DZQ6HUYLFH3-0DFV+DLUVW\OLQJ3OHDVDQWVLGH(OHPHQWDU\6FKRRO3RLQWH:HVW+RQGD3RLQWWV 7KH7UDIÀ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hank you to all of our donors. Our Team L-R: Administrative Assistant; Diane Renaud, Operations Officer; Bunny Caughlin, Communications Officer; Johanne Deschamps, Fund Development Coordinator; Dawn Hamilton, Executive Director; Marsha Davidson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ÀWV)LQDQFLDO,QF6HONLUN&DQDGD&RUSRUDWLRQ6HUFR J S S )DFLOLWLHV0DQDJHPHQW,QF6)3DUWQHUVKLS6KDQH?5XWKHUIRUG6KDZ&DEOHV\VWHPV*36KHIIDU3RWWHU0XFKDQ6KHLOD5LVLGRUH ? 6KHSSDUG,QVXUDQFH6HUYLFH,QF6KRSSHUV'UXJ0DUW6KRSSHUV'UXJ0DUWY6K\OR1XUVLQJ6HUYLFH6LPFRH&RXQW\DQG 'LVWULFW&KDSWHU6LPRQ6FKXVWHU&DQDGD60+/WG6PLOH6HUYLFHV,QF6PLWK*URXS+ROGLQJV6PLWK1L[RQ&R//3&KDUWHUHG $FFRXQWDQWV603&RQVXOWLQJ(OHFWULFDO(QJLQHHUV6PS(QJLQHHULQJ6RXO6LVWHU6WXGLR6SHHG\&DVK6SRUWV0HGLFLQH5HKDE J J S J J S \ S &HQWUH7UDLQHU·V&KRLFH6SULQJ0DVWHUV&DQDGD6SUXFHZRRG3KDUPDF\DQG+RPH&DUH6W&DWKDULQH·V3K\VLRWKHUDS\&WU6W *UHJRU\6FKRRO6W-RKQ·V6FKRRO6W-RVHSK05,,QF6W/DZUHQFH3RROV6W0DU\&KRLU6FKRRO6W3KLOLS&DWKROLF6FKRRO6W 9RORG\P\U9LOOD6WDFNSROH,QWHUQDWLRQDO(QJLQHHUHG3URGXFWV$Q6WDQFKXFN7UXFNLQJ/WG6WHOOD0DQDFFDUDWR6WHSKHQ DQG%DUEDUD:LOOLDPVRQ6WHSKHQ&HQWUDO6FKRRO6WLNHPDQ(OOLRWW//36W-RVHSK05,,QF6WRNH·V,QODQG6WRQHZDOO0DUNHWSODFH 6WRXJKWRQDQG'LVWULFW'RQRU·V&KRLFH6WUDWIRUG0RWRU3URGXFWV6WUDWIRUG3ROLFH6HUYLFH6WULJKW0DF.D\/WG6WXDUW(OOLV3KDUPDF\ 6WXGHQW&RXQFLO6WXGLR(0XVLF6FKRRO6WXUJHRQ6FKRRO'LYLVLRQ&HQWUDO2IÀFH6WDII6XJLQR6WXGLR6XPDF/RGJH6XQULVH3RXOWU\ 6XQULVH9LOODJH6XQVKLQH&KLOGUHQ·V&HQWUH6XQVKLQH3OD\KRXVH(DUO\&KLOGKRRG&HQWUH6XSHU0RWHO6XSHUWHN&DQDGD,1& 6XSUHPH%DVLFV6XVDQ/RYH6XWKHUODQG+LOOV5HVW+RPH6X]XNL&DQDGD6ZLQH6HUYLFHV*URXS/WG6\PFRU,QF6\QGLFDW GHODIRQFWLRQSXEOLTXHGX4XpEHF6]HPHQ\HL0DF.HQ]LH*RGLQ//37DUR3KDUPDFHXWLFDOV,QF7DWMDQD=DGUDYHF7':HDOWK $FFRXQW0DQDJHPHQW7':&OLHQW7UDQVIHU6HUYLFHV7HDFKHUV3OXV&UHGLW8QLRQ7HFK'DWD7HL[HLUD$FFRXQWLQJ)LUP7(/86 &RPPXQLFDWLRQV,QF7HOXV&RUSRUDWLRQ7HOXV5HWDLO/LPLWHG7HUUDFH:RPHQ·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¶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ÀFH:LOORZGDOH&KULVWLDQ 6FKRRO:LOORZJOHQ6\VWHPV,QF:LQGVRU3DUN6FKRRO:LQGZRRG6LJQV*UDSKLFV,QF:LQURVH$QLPDO+RVSLWDO:LVKLQJ:HOO 0RQWHVVRUL6FKRROV:LWKWKH*UDLQ:RUOG&RXULHURI&'$:R]QH\&RPSDQ\:\HWK2UJDQLFV;DYLHU+RXVH,QF;WUHPH $XWR<HOORZKHDG+RQGD<RUNJDWH0DOO<RUNYLHZ&KHPLVWV<:&$&DPEULGJH=DUHN7D\ORU*URVVPDQ+DQUDKDQ//3=HKUV =HQGHU)RUG6DOHV=LWR-DQHW%DFFDUDQL 14 Breast Cancer Society of Canada 420 East Street North Sarnia, ON N7T 6Y5 Toll Free: 1-800-567-8767 Email : bcsc@bcsc.ca