:DONKHHUIXOO
   6WHS/LJKWO
    ZLWKXSGDWHGFDOFXODWRUIRURXU
     FRQWULEXWLRQWRFOLPDWHFKDQJH
:HFDQDOOOLVWHQLIZHZLOOWRWKHVRXQGVRI
    WKHHDUWKWXQLQJLQWRLWZLWKMR
          /RQGRQHDUO0HHWLQJ
3XEOLVKHGE/LYLQJ:LWQHVV3URMHFW
        4XDNHUVIRUVXVWDLQDELOLW
217(176
,1752'87,21
75$163257 
(1(5*6$9,1*,17+(+20(
  (QHUJ6DYLQJ%HKDYLRXU 
  7KHKRXVH 
  ,QVXODWLRQ 
  6RXUFHVRIHQHUJ 
  $SSOLDQFHV 
(1(5*6$9,1*$7:25.
)22' 
:$67(
  RPSRVWLQJ 
  5HGXFH
  5HXVH 
  5HFFOH 
%,2',9(56,7 
  ,QRXUJDUGHQ 
  6DYHIRUHVWV 
  ,QWKHFRXQWUVLGH 
0,1,0,6,1*+(0,$/32//87,21 
:$7(5 
86(2)021(±LQYHVWLQJEDQNLQJVKRSSLQJ6HH (0DUFK 
,128548$.(50((7,1*
20081,$7,1* 
),1$//« 
2852175,%87,2172/,0$7(+$1*( 
217$7'(7$,/6±ZHEVLWHVDQGWHOHSKRQHQXPEHUV 
6RXUFHV
™ ZHEVLWHVPHQWLRQHGLQWKHWH[WDQGXQGHUFRQWDFWGHWDLOV
™ MRXUQDOV± 1HZ 6FLHQWLVWOHDQ6ODWH HQWUHIRU$OWHUQDWLYH7HFKQRORJ
(WKLFDO RQVXPHU DQG WKHLU ZHEVLWH ZZZHWKLVFRUHRUJ (DUWK 0DWWHUV
    )ULHQGVRIWKH(DUWK
7KH2UJDQLF:D *DUGHQ2UJDQLF+'5$
/LYLQJ
    (DUWK 6RLO$VVRFLDWLRQ
™ KRZWROLYHDORZFDUERQOLIHEKULV*RRGDOO
%DFNLVVXHVRI (WKLFDORQVXPHU (
DUHDYDLODEOH#…HDFKIURP(5$
3XEOLVKLQJ/WG)5((32671::$0DQFKHVWHU0(3
$EEUHYLDWLRQV $7 IRU HQWUH IRU $OWHUQDWLYH 7HFKQRORJ ( IRU (WKLFDO
RQVXPHU)R(IRU)ULHQGVRIWKH(DUWKDQG/:3IRU/LYLQJ:LWQHVV3URMHFW
ŠLQGLFDWHVDQLWHPRUSURFHGXUHUHFRPPHQGHGED/:3PHPEHU
)RUSULQWRXWVRIZHEEDVHGUHVRXUFHV DQGIXUWKHUFRSLHVRIWKLVERRNOHW
FRQWDFW$QQH%UHZHU 3KRHQLFHRWWDJHVKDSHO/DQH %RRNKDP.7
4*RURUDQQH#GRUNLQJTXDNHUHXRUJ RSLHVDOVRIURP
4XDNHU%RRNVKRS±
,1752'87,21
:H DUH QRZ H[SHULHQFLQJ FOLPDWH GHVWDELOLVDWLRQ FDXVHG E
H[FHVVLYH HPLVVLRQ RI JUHHQKRXVH JDVHV IURP KXPDQ
DFWLYLWLHV ZZZPHWRIILFHJRYXNUHVHDUFKKDGOHFHQWUHLQGH[KWPO
DUERQ GLR[LGH 2
HPLWWHG E EXUQLQJ IRVVLO IXHOV LV WKH
PDLQ FXOSULW 2WKHU VLJQLILFDQW JDVHV DUH 0HWKDQH +
1LWURXV2[LGHV1 2
DQG +)V± DOOPRUHSRWHQWWKDQ2 
EXW OHVV DEXQGDQWO HPLWWHG 7R DYRLG LUUHYHUVLEOH DQG SRWHQWLDOO FDWDVWURSKLF
GHVWDELOLVDWLRQLWLVZLGHODFFHSWHGWKDWDWOHDVWDQUHGXFWLRQLQHPLVVLRQV
LVHVVHQWLDOE7RDFKLHYHWKLVZLOOUHTXLUHDFRQFHUWHGHIIRUWEXVDOO
7DNLQJDFWLRQWRUHGXFHRXUHPLVVLRQVZLOODOVRUHGXFHWKHKDUPZH GRWRRXU
SODQHWLQRWKHUZDVSDUWLFXODUOUHGXFLQJFKHPLFDOSROOXWLRQZKLFKLVSUREDEO
GDPDJLQJ WKH KHDOWK RI PRVW OLYLQJ FUHDWXUHV LQFOXGLQJ RXUVHOYHV ,W ZLOO DOVR
KHOSXVWRUHGXFHRXUH[FHVVLYHDQGXQIDLUXVHRIWKHHDUWK¶VUHVRXUFHVZKLFK
LVFDXVLQJSRYHUWFRQIOLFWDQGORVVRIELRGLYHUVLW
+RZWRXVHWKLVERRNOHW 7KHFDOFXODWRURQSDJHVWRZLOOVKRZZKLFKRI
RXU DFWLYLWLHV FRQWULEXWH PRVW WR FOLPDWH FKDQJH DQG KHOS RX GHFLGH ZKLFK
OLIHVWOH FKDQJHV FRXOG KDYH PRVW EHQHILW 6XJJHVWLRQV WR KHOS RX PDNH WKH
FKDQJHVDUHOLVWHGLQWKHUHVWRIWKHERRNOHW,WHPVDWWKHVWDUWRIDVHFWLRQDUH
WKHPRVWLPSRUWDQWWRWDFNOHLIRXFDQ { LQGLFDWHVDFWLRQVWKDW FRVWQRWKLQJ
RUQRPRUHWKDQWKHFRQYHQWLRQDODOWHUQDWLYHEXWPDUHTXLUHVRPHHIIRUW
     ,QGLFDWHV DFWLRQV WKDW UHTXLUH ILQDQFLDO RXWOD  5HPHPEHU DOO QHZ LWHPV
KDYHHPEHGGHGHQHUJ±HQHUJXVHGLQPDQXIDFWXUHDQGWUDQVSRUW 6R DVN
RXUVHOI ± LV WKH QHZ LWHP HVVHQWLDO ,I DQ HQHUJVDYLQJ JDGJHW ZLOO LW VDYH
PRUHHQHUJWKDQWKDWHPEHGGHGLQLW
:DONKHHUIXOO- ,WPDKHOSWRVKDUHRQVLGHUHQFRXUDJLQJ RXU4XDNHU
0HHWLQJWRMRLQWKH /LYLQJ:LWQHVV3URMHFWVXSSRUWLQJWKH4XDNHUZLWQHVVWR
VXVWDLQDEOHOLYLQJ2XUSXEOLFDWLRQVLQFOXGHDVWXGFRXUVH %HWKHKDQJH DQG
DTXDUWHUOQHZVOHWWHU HDUWK4XDNHU2WKHUSRVVLELOLWLHVDUH
™ )RUP D *OREDO $FWLRQ 3ODQ (FR7HDP ZZZJOREDODFWLRQSODQRUJXN
±  KRXVHKROGV ZKR PRQLWRU ZDVWH JDV HOHFWULFLW ZDWHU
    WUDQVSRUWDQGVKRSSLQJKDELWVDQGWKHQHQFRXUDJHHDFKRWKHUWRLPSURYH
™ 6XSSRUW 2SHUDWLRQ 1RDK ZZZRSHUDWLRQQRDKRUJ
D FKXUFKEDVHG
    FDPSDLJQWKDWHQFRXUDJHVDOODJHJURXSVWRWDNHFOLPDWHFKDQJHVHULRXVO
    DQGDFWWROLPLWWKHGDPDJHZHDUHFDXVLQJ 
™ MRLQD DUERQ5DWLRQLQJ$FWLRQ*URXS±ZZZFDUERQUDWLRQLQJRUJXN
™ MRLQWKHRPPXQLWDUERQ5HGXFWLRQ3URMHFW ±ZZZFUHGXNRUJ
™ MRLQ$7¶V]HURFDUERQEULWDLQ LQLWLDWLYH±OHDQ6ODWH1R:LQWHURU
    ZZZ]HURFDUERQEULWDLQFRP
™ VHW XS RU MRLQ D JURXS WR PDNH RXU WRZQ D 7UDQVLWLRQ 7RZQ ±
    ZZZWUDQVLWLRQWRZQVRUJ RU FRQWDFW EHQEUDQJZQ#WUDQVLWLRQQHWZRUNRUJ
    IRUSDJH7UDQVLWLRQ7RZQSULPHU
™ MRLQ2QH3ODQHW)XWXUHFDPSDLJQ ZZZZZIRUJXNRQHSODQHWRSKRPHDVS
75$163257
(QHUJDQGUHVRXUFHVDUHXVHGLQWUDQVSRUWIXHOVDQGWREXLOG
DQG PDLQWDLQ URDGV DQG YHKLFOHV 7KH WUDQVSRUW VHFWRU
DFFRXQWV IRU DERXW  RI 8. 2  HPLVVLRQV D JURZLQJ
VKDUH RI ODQG XVH SROOXWLRQ QRLVH DFFLGHQWV DQG DQ
XQSOHDVDQWXUEDQHQYLURQPHQW
{ 7UWRGULYHOHVV
    ™ FOH RU ZDON ZKHQHYHU SRVVLEOH ±  RI 8. FDU WULSV DUH EHORZ 
      PLOHV5HJXODUH[HUFLVHLVVRRQHQMRDEOHDQGNHHSVRXILW - RQWDFW
      6XVWUDQV ZZZVXVWUDQVRUJXN
IRUVDIHFFOHURXWHV
      DQGZZZZKFFOHFRXNZZZELNHIRUDOOQHW DQG( 1RYIRU
      LQIR RQ ELNHV $ WUDLOHU HQDEOHV RX WR FDUU ORDGV ± VHH HJ
      ZZZFDUUIUHHGRPFRP ŠRUZZZELNHVDQGWUDLOHUVFRP
    ™ 0RYLQJ KRXVH RU FKDQJLQJ RXU MRE $LP WR OLYH ZLWKLQ ZDONLQJ RU
      FFOLQJGLVWDQFHRIRXUSODFHRIZRUN
    ™ 8VHSXEOLFWUDQVSRUW 7UDYHOLQHLVKHOSIXOIRUEXVFRDFKXQGHUJURXQG
      IHUUDQGRUWUDLQ±ZZZWUDYHOLQHRUJXN RU 
    ™ ,I RX UDUHO QHHG D FDU KLUH UDWKHU WKDQ EX RQH WKHQ RX ZRQ¶W EH
      WHPSWHGWRXVHLWXQQHFHVVDULO2UWURXWDFDUIUHHSHULRG
{ $YRLG DLU WUDYHO LI DW DOO SRVVLEOH ± LW DGGV KXJHO WR RXU FDUERQ
    IRRWSULQWVHHFSDJH
$LUFUDIWFRQWUDLOVDQGQLWURXVR[LGHHPLVVLRQVDW
    KLJK DOWLWXGH PHDQ WKH RYHUDOO FOLPDWH LPSDFW LV WULSOH WKDW RI WKH 2 
    HPLVVLRQV DORQH  )RU GLVFXVVLRQ RI QHJDWLYH LPSDFWV RI DLU WUDYHO VHH
    ZZZDHIRUJXN         $YLDWLRQ       (QYLURQPHQW          )HGHUDWLRQ
RU
    ZZZUFHSRUJXNDYLDWLRQKWP 5RDO RPPLVVLRQ RQ (QYLURQPHQWDO
    3ROOXWLRQ
$OVR ( -XO  7R WUDYHO DEURDG ZLWKRXW IOLQJ VHH
    ZZZVHDWFRP
… DUERQ RIIVHWWLQJ       LV RIIHUHG WR FRPSHQVDWH IRU GDPDJH GRQH E 2 
    HPLVVLRQVIURPDLUWUDYHO DQG RWKHUDFWLYLWLHV ( 0D  EHVW EXV
    ZHUH$WPRVIDLUZZZDWPRVIDLUGH
DQG(TXLFOLPDWHZZZHELFRFRXN
EXW
    WKH DUWLFOH VWUHVVHG FXWWLQJ HPLVVLRQV LV WKH YLWDO WKLQJ DQG VXJJHVWHG
    GRQDWLQJ WR D FOLPDWH FKDQJH FDPSDLJQ WR µRIIVHW¶ HVVHQWLDO HPLVVLRQV
    'HIUD DUH GHYHORSLQJ D FRGH RI SUDFWLFH IRU RIIVHW VFKHPHV VHH
    KWWSZZZGHIUDJRYXNHQYLURQPHQWFOLPDWHFKDQJHXNFDUERQRIIVHWLQGH[
    KWP
{ +ROLGDV ± 6HH $7 7LSVKHHW (FRWRXULVP ZZZJUHHQFKRLFHVRUJ          DQG
    ZZZWRXULVPFRQFHUQRUJXN 7UHHVSRQVLELOLW ZZZWUHHVSRQVLELOLWFRP
RIIHU JUHHQ KROLGDV LQ WKH 8. ZZZHFRIULHQGOWRXULVWFRP OLVWV JUHHQ
    SODFHVWRVWDLQ8.DQGHQFRXUDJHVRYHUODQGWUDYHO IRUSODFHVRXWVLGH8.
    ZZZDWPRVIDLUGH KDV OLQNV WR KROLGD RSHUDWRUV ZKR GRQ¶W LQFOXGH DLU
    WUDYHO KWWSHFRERRNHUVFRP DQG *UHHQ 3ODFHV WR 6WD $ODVWDLU 6DZGD
    ZZZVDZGDVFRXNERRNVKRSZRUOGZLGHHFR
PDEHXVHIXO
,IRXKDYHDFDU
{ %XLQJ QHZ   8VHIXO LQIR IURP ZZZYFDFDUIXHOGDWDRUJXN FRQVXPSWLRQ
   DQG HPLVVLRQ GDWD
DQQXDO DU %XHU¶V *XLGH IURP (QYLURQPHQWDO
   7UDQVSRUW$VVRFLDWLRQ (-XODQG $OWHUQDWLYHIXHOV EHORZ)XHO
   FRQVXPSWLRQRIVLPLODUVL]HFDUVYDULHVEXSWR
{ 6KDUHDFDU -RXFDQXVH ZZZOLIWVKDUHRUJ ZZZYLOODJHFDUVKDUHFRP
   ZZZIUHHZKHHOHUVFRXN DQGRUZZZFDUSOXVRUJXN IRUKHOS
{ 0LQLPLVHIXHOFRQVXPSWLRQ 'ULYLQJPRUHHIILFLHQWOFDQUHGXFHHPLVVLRQV
   DQG IXHO FRQVXPSWLRQ E XS WR  LQIR IURP ZZZFDUSOXVRUJXN
   ZZZHVWRUJXNZZZQHIRUJXN DQGZZZYFDFDUIXHOGDWDRUJXN
™ .HHSFDUZHOOVHUYLFHGDQGWXQHGZLWKWUHVDWFRUUHFWSUHVVXUH±
       WRRORZWUHSUHVVXUHLQFUHDVHVUROOLQJUHVLVWDQFHEDQGRXUIXHO
       FRQVXPSWLRQE
   ™ 3ODQDKHDGDYRLGSHDNSHULRGVFKRRVH XQFRQJHVWHGURXWHV
   ™ $YRLG VKRUW MRXUQHV ± D FROG HQJLQH XVHV DOPRVW WZLFH DV PXFK IXHO
       DQGFDWDOWLFFRQYHUWHUVFDQWDNHILYHPLOHVWREHFRPHHIIHFWLYH
   ™ 5HPRYHXQQHFHVVDUZHLJKW5RRIUDFNVELNHFDUULHUVDQGURRIER[HV
       DOVRDIIHFWFDUV¶DHURGQDPLFVDQGIXUWKHUUHGXFHIXHOHIILFLHQF
   ™ 2QOVWDUWWKHHQJLQHZKHQRX¶UHUHDGWRGULYHRII
   ™ 'ULYHVPRRWKO±IUHTXHQWDQGKDUVKDFFHOHUDWLRQDQGEUDNLQJFDXVHVD
       VLJQLILFDQWLQFUHDVHLQIXHOFRQVXPSWLRQ
   ™ .HHS VSHHG GRZQ ± PRVW HIILFLHQW VSHHG YDULHV ZLWK FDU ± VRXUFHV
       TXRWHIURPWRPSK*HQHUDOOLWLVWKHORZHVWVSHHGDWZKLFKWKH
       FDU UXQV FRPIRUWDEO LQ KLJKHVW JHDU )DVWHU VSHHGV LQFUHDVH IXHO
       FRQVXPSWLRQDQGHPLVVLRQV
   ™ 8VHKLJKHUJHDUVDVVRRQDVWUDIILFFRQGLWLRQVDOORZ
   ™ 6ZLWFK RII ZKHQ VWDWLRQDU 1% ± WKHUH LV GHEDWH DERXW ZKHQ H[WUD
       HQHUJ QHHGHG WR UHVWDUW QHJDWHV HQHUJ VDYHG E VZLWFKLQJ RII
       3UREDEOGHSHQGVRQWKHFDUDQGKRZZDUPWKHHQJLQHLV,IRXWKLQN
       RX ZLOO EH VWDWLRQDU IRU RYHU D PLQXWH LW LV SUREDEO ZRUWK VZLWFKLQJ
       RII
   ™ %H DZDUH WKDW XVH RI RQERDUG HOHFWULFDO GHYLFHV LQFUHDVHV IXHO
       FRQVXPSWLRQ±DLUFRQGLWLRQLQJFDQDGG
   ™ 8VHDµ3DUNDQG5LGH¶VFKHPHLIDYDLODEOH
{ $OWHUQDWLYH IXHOV    6HH ( 0DUFK  $7 )DFWVKHHW $OWHUQDWLYH
   )XHOV ZZZJUHHQIXHOVFRXN ZZZORZFYSRUJXN /RZ DUERQ 9HKLFOH
   3DUWQHUVKLS ZZZYFDFDUIXHOGDWDRUJXN ZZZFDUSOXVRUJXNUHVSFDU
   XVHDOWIXHOVKWPO
DQGZZZHWDFRXNSDJHV)XHOV)XHOGHIDXOWKWP
   ™ 3HWURORUGLHVHO'LHVHOHQJLQHVRIWHQKDYHORZHU2  HPLVVLRQVDQG
       EHWWHU IXHO HFRQRP WKDQ SHWURO EXW HPLW RWKHU SROOXWDQWV VXFK DV
       1LWURJHQ 2[LGHV 12[
DQG SDUWLFXODWHV 7KH DUH OLNHO WR KDYH OHVV
       QHJDWLYH LPSDFW WKDQ SHWURO LI GULYHQ PDLQO RQ PRWRUZD RU PDMRU
URDGVDQGDPRUHQHJDWLYHLPSDFWLIGULYHQPDLQOLQFRQJHVWHGXUEDQ
    DUHDV$GLHVHOFDUVKRXOGKDYHDGLHVHOSDUWLFXODWHILOWHU'3)
±LWPD
    EHDQRSWLRQDOH[WUD (0DUFK UDWHG0XUFRDVWKH%HVW%X
    RLOFRPSDQEXWWKHLUILOOLQJVWDWLRQVDUHQRWYHUFRPPRQ%3ZDVQH[W
™   /3* /LTXHILHG 3HWUROHXP *DV
RU $XWRJDV LV QRZ ZLGHO DYDLODEOH
    /3* FDXVHV  OHVV 2  µZHOO WR ZKHHO¶

100 Ways of Greening your Life - Walk Cheerfully, Step Lightly

  • 1.
    :DONKHHUIXOO 6WHS/LJKWO ZLWKXSGDWHGFDOFXODWRUIRURXU FRQWULEXWLRQWRFOLPDWHFKDQJH
  • 2.
    :HFDQDOOOLVWHQLIZHZLOOWRWKHVRXQGVRI WKHHDUWKWXQLQJLQWRLWZLWKMR /RQGRQHDUO0HHWLQJ
  • 3.
    3XEOLVKHGE/LYLQJ:LWQHVV3URMHFW 4XDNHUVIRUVXVWDLQDELOLW
  • 4.
    217(176 ,1752'87,21 75$163257 (1(5*6$9,1*,17+(+20( (QHUJ6DYLQJ%HKDYLRXU 7KHKRXVH ,QVXODWLRQ 6RXUFHVRIHQHUJ $SSOLDQFHV (1(5*6$9,1*$7:25. )22' :$67( RPSRVWLQJ 5HGXFH 5HXVH 5HFFOH %,2',9(56,7 ,QRXUJDUGHQ 6DYHIRUHVWV ,QWKHFRXQWUVLGH 0,1,0,6,1*+(0,$/32//87,21 :$7(5 86(2)021(±LQYHVWLQJEDQNLQJVKRSSLQJ6HH (0DUFK ,128548$.(50((7,1* 20081,$7,1* ),1$//« 2852175,%87,2172/,0$7(+$1*( 217$7'(7$,/6±ZHEVLWHVDQGWHOHSKRQHQXPEHUV 6RXUFHV ™ ZHEVLWHVPHQWLRQHGLQWKHWH[WDQGXQGHUFRQWDFWGHWDLOV ™ MRXUQDOV± 1HZ 6FLHQWLVWOHDQ6ODWH HQWUHIRU$OWHUQDWLYH7HFKQRORJ
  • 5.
    (WKLFDO RQVXPHU DQGWKHLU ZHEVLWH ZZZHWKLVFRUHRUJ (DUWK 0DWWHUV )ULHQGVRIWKH(DUWK
  • 6.
  • 8.
    /LYLQJ (DUWK 6RLO$VVRFLDWLRQ
  • 9.
  • 10.
    DUHDYDLODEOH#…HDFKIURP(5$ 3XEOLVKLQJ/WG)5((32671::$0DQFKHVWHU0(3 $EEUHYLDWLRQV $7 IRUHQWUH IRU $OWHUQDWLYH 7HFKQRORJ ( IRU (WKLFDO RQVXPHU)R(IRU)ULHQGVRIWKH(DUWKDQG/:3IRU/LYLQJ:LWQHVV3URMHFW ŠLQGLFDWHVDQLWHPRUSURFHGXUHUHFRPPHQGHGED/:3PHPEHU )RUSULQWRXWVRIZHEEDVHGUHVRXUFHV DQGIXUWKHUFRSLHVRIWKLVERRNOHW FRQWDFW$QQH%UHZHU 3KRHQLFHRWWDJHVKDSHO/DQH %RRNKDP.7 4*RURUDQQH#GRUNLQJTXDNHUHXRUJ RSLHVDOVRIURP 4XDNHU%RRNVKRS±
  • 11.
    ,1752'87,21 :H DUH QRZH[SHULHQFLQJ FOLPDWH GHVWDELOLVDWLRQ FDXVHG E H[FHVVLYH HPLVVLRQ RI JUHHQKRXVH JDVHV IURP KXPDQ DFWLYLWLHV ZZZPHWRIILFHJRYXNUHVHDUFKKDGOHFHQWUHLQGH[KWPO
  • 12.
  • 13.
    HPLWWHG E EXUQLQJIRVVLO IXHOV LV WKH PDLQ FXOSULW 2WKHU VLJQLILFDQW JDVHV DUH 0HWKDQH +
  • 14.
  • 15.
    DQG +)V± DOOPRUHSRWHQWWKDQ2 EXW OHVV DEXQGDQWO HPLWWHG 7R DYRLG LUUHYHUVLEOH DQG SRWHQWLDOO FDWDVWURSKLF GHVWDELOLVDWLRQLWLVZLGHODFFHSWHGWKDWDWOHDVWDQUHGXFWLRQLQHPLVVLRQV LVHVVHQWLDOE7RDFKLHYHWKLVZLOOUHTXLUHDFRQFHUWHGHIIRUWEXVDOO 7DNLQJDFWLRQWRUHGXFHRXUHPLVVLRQVZLOODOVRUHGXFHWKHKDUPZH GRWRRXU SODQHWLQRWKHUZDVSDUWLFXODUOUHGXFLQJFKHPLFDOSROOXWLRQZKLFKLVSUREDEO GDPDJLQJ WKH KHDOWK RI PRVW OLYLQJ FUHDWXUHV LQFOXGLQJ RXUVHOYHV ,W ZLOO DOVR KHOSXVWRUHGXFHRXUH[FHVVLYHDQGXQIDLUXVHRIWKHHDUWK¶VUHVRXUFHVZKLFK LVFDXVLQJSRYHUWFRQIOLFWDQGORVVRIELRGLYHUVLW +RZWRXVHWKLVERRNOHW 7KHFDOFXODWRURQSDJHVWRZLOOVKRZZKLFKRI RXU DFWLYLWLHV FRQWULEXWH PRVW WR FOLPDWH FKDQJH DQG KHOS RX GHFLGH ZKLFK OLIHVWOH FKDQJHV FRXOG KDYH PRVW EHQHILW 6XJJHVWLRQV WR KHOS RX PDNH WKH FKDQJHVDUHOLVWHGLQWKHUHVWRIWKHERRNOHW,WHPVDWWKHVWDUWRIDVHFWLRQDUH WKHPRVWLPSRUWDQWWRWDFNOHLIRXFDQ { LQGLFDWHVDFWLRQVWKDW FRVWQRWKLQJ RUQRPRUHWKDQWKHFRQYHQWLRQDODOWHUQDWLYHEXWPDUHTXLUHVRPHHIIRUW ,QGLFDWHV DFWLRQV WKDW UHTXLUH ILQDQFLDO RXWOD 5HPHPEHU DOO QHZ LWHPV KDYHHPEHGGHGHQHUJ±HQHUJXVHGLQPDQXIDFWXUHDQGWUDQVSRUW 6R DVN RXUVHOI ± LV WKH QHZ LWHP HVVHQWLDO ,I DQ HQHUJVDYLQJ JDGJHW ZLOO LW VDYH PRUHHQHUJWKDQWKDWHPEHGGHGLQLW :DONKHHUIXOO- ,WPDKHOSWRVKDUHRQVLGHUHQFRXUDJLQJ RXU4XDNHU 0HHWLQJWRMRLQWKH /LYLQJ:LWQHVV3URMHFWVXSSRUWLQJWKH4XDNHUZLWQHVVWR VXVWDLQDEOHOLYLQJ2XUSXEOLFDWLRQVLQFOXGHDVWXGFRXUVH %HWKHKDQJH DQG DTXDUWHUOQHZVOHWWHU HDUWK4XDNHU2WKHUSRVVLELOLWLHVDUH ™ )RUP D *OREDO $FWLRQ 3ODQ (FR7HDP ZZZJOREDODFWLRQSODQRUJXN
  • 16.
    ± KRXVHKROGVZKR PRQLWRU ZDVWH JDV HOHFWULFLW ZDWHU WUDQVSRUWDQGVKRSSLQJKDELWVDQGWKHQHQFRXUDJHHDFKRWKHUWRLPSURYH ™ 6XSSRUW 2SHUDWLRQ 1RDK ZZZRSHUDWLRQQRDKRUJ
  • 17.
    D FKXUFKEDVHG FDPSDLJQWKDWHQFRXUDJHVDOODJHJURXSVWRWDNHFOLPDWHFKDQJHVHULRXVO DQGDFWWROLPLWWKHGDPDJHZHDUHFDXVLQJ ™ MRLQD DUERQ5DWLRQLQJ$FWLRQ*URXS±ZZZFDUERQUDWLRQLQJRUJXN ™ MRLQWKHRPPXQLWDUERQ5HGXFWLRQ3URMHFW ±ZZZFUHGXNRUJ ™ MRLQ$7¶V]HURFDUERQEULWDLQ LQLWLDWLYH±OHDQ6ODWH1R:LQWHURU ZZZ]HURFDUERQEULWDLQFRP ™ VHW XS RU MRLQ D JURXS WR PDNH RXU WRZQ D 7UDQVLWLRQ 7RZQ ± ZZZWUDQVLWLRQWRZQVRUJ RU FRQWDFW EHQEUDQJZQ#WUDQVLWLRQQHWZRUNRUJ IRUSDJH7UDQVLWLRQ7RZQSULPHU ™ MRLQ2QH3ODQHW)XWXUHFDPSDLJQ ZZZZZIRUJXNRQHSODQHWRSKRPHDVS
  • 18.
    75$163257 (QHUJDQGUHVRXUFHVDUHXVHGLQWUDQVSRUWIXHOVDQGWREXLOG DQG PDLQWDLQ URDGVDQG YHKLFOHV 7KH WUDQVSRUW VHFWRU DFFRXQWV IRU DERXW RI 8. 2 HPLVVLRQV D JURZLQJ VKDUH RI ODQG XVH SROOXWLRQ QRLVH DFFLGHQWV DQG DQ XQSOHDVDQWXUEDQHQYLURQPHQW { 7UWRGULYHOHVV ™ FOH RU ZDON ZKHQHYHU SRVVLEOH ± RI 8. FDU WULSV DUH EHORZ PLOHV5HJXODUH[HUFLVHLVVRRQHQMRDEOHDQGNHHSVRXILW - RQWDFW 6XVWUDQV ZZZVXVWUDQVRUJXN
  • 19.
    IRUVDIHFFOHURXWHV DQGZZZZKFFOHFRXNZZZELNHIRUDOOQHW DQG( 1RYIRU LQIR RQ ELNHV $ WUDLOHU HQDEOHV RX WR FDUU ORDGV ± VHH HJ ZZZFDUUIUHHGRPFRP ŠRUZZZELNHVDQGWUDLOHUVFRP ™ 0RYLQJ KRXVH RU FKDQJLQJ RXU MRE $LP WR OLYH ZLWKLQ ZDONLQJ RU FFOLQJGLVWDQFHRIRXUSODFHRIZRUN ™ 8VHSXEOLFWUDQVSRUW 7UDYHOLQHLVKHOSIXOIRUEXVFRDFKXQGHUJURXQG IHUUDQGRUWUDLQ±ZZZWUDYHOLQHRUJXN RU ™ ,I RX UDUHO QHHG D FDU KLUH UDWKHU WKDQ EX RQH WKHQ RX ZRQ¶W EH WHPSWHGWRXVHLWXQQHFHVVDULO2UWURXWDFDUIUHHSHULRG { $YRLG DLU WUDYHO LI DW DOO SRVVLEOH ± LW DGGV KXJHO WR RXU FDUERQ IRRWSULQWVHHFSDJH
  • 20.
    $LUFUDIWFRQWUDLOVDQGQLWURXVR[LGHHPLVVLRQVDW KLJK DOWLWXGH PHDQ WKH RYHUDOO FOLPDWH LPSDFW LV WULSOH WKDW RI WKH 2 HPLVVLRQV DORQH )RU GLVFXVVLRQ RI QHJDWLYH LPSDFWV RI DLU WUDYHO VHH ZZZDHIRUJXN $YLDWLRQ (QYLURQPHQW )HGHUDWLRQ
  • 21.
    RU ZZZUFHSRUJXNDYLDWLRQKWP 5RDO RPPLVVLRQ RQ (QYLURQPHQWDO 3ROOXWLRQ
  • 22.
    $OVR ( -XO 7R WUDYHO DEURDG ZLWKRXW IOLQJ VHH ZZZVHDWFRP … DUERQ RIIVHWWLQJ LV RIIHUHG WR FRPSHQVDWH IRU GDPDJH GRQH E 2 HPLVVLRQVIURPDLUWUDYHO DQG RWKHUDFWLYLWLHV ( 0D EHVW EXV ZHUH$WPRVIDLUZZZDWPRVIDLUGH
  • 23.
  • 24.
    EXW WKH DUWLFOH VWUHVVHG FXWWLQJ HPLVVLRQV LV WKH YLWDO WKLQJ DQG VXJJHVWHG GRQDWLQJ WR D FOLPDWH FKDQJH FDPSDLJQ WR µRIIVHW¶ HVVHQWLDO HPLVVLRQV 'HIUD DUH GHYHORSLQJ D FRGH RI SUDFWLFH IRU RIIVHW VFKHPHV VHH KWWSZZZGHIUDJRYXNHQYLURQPHQWFOLPDWHFKDQJHXNFDUERQRIIVHWLQGH[ KWP { +ROLGDV ± 6HH $7 7LSVKHHW (FRWRXULVP ZZZJUHHQFKRLFHVRUJ DQG ZZZWRXULVPFRQFHUQRUJXN 7UHHVSRQVLELOLW ZZZWUHHVSRQVLELOLWFRP
  • 25.
    RIIHU JUHHQ KROLGDVLQ WKH 8. ZZZHFRIULHQGOWRXULVWFRP OLVWV JUHHQ SODFHVWRVWDLQ8.DQGHQFRXUDJHVRYHUODQGWUDYHO IRUSODFHVRXWVLGH8. ZZZDWPRVIDLUGH KDV OLQNV WR KROLGD RSHUDWRUV ZKR GRQ¶W LQFOXGH DLU WUDYHO KWWSHFRERRNHUVFRP DQG *UHHQ 3ODFHV WR 6WD $ODVWDLU 6DZGD ZZZVDZGDVFRXNERRNVKRSZRUOGZLGHHFR
  • 26.
  • 27.
    ,IRXKDYHDFDU { %XLQJ QHZ 8VHIXO LQIR IURP ZZZYFDFDUIXHOGDWDRUJXN FRQVXPSWLRQ DQG HPLVVLRQ GDWD
  • 28.
    DQQXDO DU %XHU¶V*XLGH IURP (QYLURQPHQWDO 7UDQVSRUW$VVRFLDWLRQ (-XODQG $OWHUQDWLYHIXHOV EHORZ)XHO FRQVXPSWLRQRIVLPLODUVL]HFDUVYDULHVEXSWR { 6KDUHDFDU -RXFDQXVH ZZZOLIWVKDUHRUJ ZZZYLOODJHFDUVKDUHFRP ZZZIUHHZKHHOHUVFRXN DQGRUZZZFDUSOXVRUJXN IRUKHOS { 0LQLPLVHIXHOFRQVXPSWLRQ 'ULYLQJPRUHHIILFLHQWOFDQUHGXFHHPLVVLRQV DQG IXHO FRQVXPSWLRQ E XS WR LQIR IURP ZZZFDUSOXVRUJXN ZZZHVWRUJXNZZZQHIRUJXN DQGZZZYFDFDUIXHOGDWDRUJXN
  • 29.
    ™ .HHSFDUZHOOVHUYLFHGDQGWXQHGZLWKWUHVDWFRUUHFWSUHVVXUH± WRRORZWUHSUHVVXUHLQFUHDVHVUROOLQJUHVLVWDQFHEDQGRXUIXHO FRQVXPSWLRQE ™ 3ODQDKHDGDYRLGSHDNSHULRGVFKRRVH XQFRQJHVWHGURXWHV ™ $YRLG VKRUW MRXUQHV ± D FROG HQJLQH XVHV DOPRVW WZLFH DV PXFK IXHO DQGFDWDOWLFFRQYHUWHUVFDQWDNHILYHPLOHVWREHFRPHHIIHFWLYH ™ 5HPRYHXQQHFHVVDUZHLJKW5RRIUDFNVELNHFDUULHUVDQGURRIER[HV DOVRDIIHFWFDUV¶DHURGQDPLFVDQGIXUWKHUUHGXFHIXHOHIILFLHQF ™ 2QOVWDUWWKHHQJLQHZKHQRX¶UHUHDGWRGULYHRII ™ 'ULYHVPRRWKO±IUHTXHQWDQGKDUVKDFFHOHUDWLRQDQGEUDNLQJFDXVHVD VLJQLILFDQWLQFUHDVHLQIXHOFRQVXPSWLRQ ™ .HHS VSHHG GRZQ ± PRVW HIILFLHQW VSHHG YDULHV ZLWK FDU ± VRXUFHV TXRWHIURPWRPSK*HQHUDOOLWLVWKHORZHVWVSHHGDWZKLFKWKH FDU UXQV FRPIRUWDEO LQ KLJKHVW JHDU )DVWHU VSHHGV LQFUHDVH IXHO FRQVXPSWLRQDQGHPLVVLRQV ™ 8VHKLJKHUJHDUVDVVRRQDVWUDIILFFRQGLWLRQVDOORZ ™ 6ZLWFK RII ZKHQ VWDWLRQDU 1% ± WKHUH LV GHEDWH DERXW ZKHQ H[WUD HQHUJ QHHGHG WR UHVWDUW QHJDWHV HQHUJ VDYHG E VZLWFKLQJ RII 3UREDEOGHSHQGVRQWKHFDUDQGKRZZDUPWKHHQJLQHLV,IRXWKLQN RX ZLOO EH VWDWLRQDU IRU RYHU D PLQXWH LW LV SUREDEO ZRUWK VZLWFKLQJ RII ™ %H DZDUH WKDW XVH RI RQERDUG HOHFWULFDO GHYLFHV LQFUHDVHV IXHO FRQVXPSWLRQ±DLUFRQGLWLRQLQJFDQDGG ™ 8VHDµ3DUNDQG5LGH¶VFKHPHLIDYDLODEOH { $OWHUQDWLYH IXHOV 6HH ( 0DUFK $7 )DFWVKHHW $OWHUQDWLYH )XHOV ZZZJUHHQIXHOVFRXN ZZZORZFYSRUJXN /RZ DUERQ 9HKLFOH 3DUWQHUVKLS ZZZYFDFDUIXHOGDWDRUJXN ZZZFDUSOXVRUJXNUHVSFDU XVHDOWIXHOVKWPO
  • 30.
    DQGZZZHWDFRXNSDJHV)XHOV)XHOGHIDXOWKWP ™ 3HWURORUGLHVHO'LHVHOHQJLQHVRIWHQKDYHORZHU2 HPLVVLRQVDQG EHWWHU IXHO HFRQRP WKDQ SHWURO EXW HPLW RWKHU SROOXWDQWV VXFK DV 1LWURJHQ 2[LGHV 12[
  • 31.
    DQG SDUWLFXODWHV 7KHDUH OLNHO WR KDYH OHVV QHJDWLYH LPSDFW WKDQ SHWURO LI GULYHQ PDLQO RQ PRWRUZD RU PDMRU
  • 32.
    URDGVDQGDPRUHQHJDWLYHLPSDFWLIGULYHQPDLQOLQFRQJHVWHGXUEDQ DUHDV$GLHVHOFDUVKRXOGKDYHDGLHVHOSDUWLFXODWHILOWHU'3)
  • 33.
    ±LWPD EHDQRSWLRQDOH[WUD (0DUFK UDWHG0XUFRDVWKH%HVW%X RLOFRPSDQEXWWKHLUILOOLQJVWDWLRQVDUHQRWYHUFRPPRQ%3ZDVQH[W ™ /3* /LTXHILHG 3HWUROHXP *DV
  • 34.
    RU $XWRJDV LVQRZ ZLGHO DYDLODEOH /3* FDXVHV OHVV 2 µZHOO WR ZKHHO¶