$0',12+-,3$ - issuelab.org"#"$%"&'#$()+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!! ("39$:$;

!"#"$%"&'#$()*+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ("39$:$

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

G5 >-#9,3-)9,$-)9$8"."8*-/$'D$'#3",*R"-*',1$-'$19#F9$-)9*#$8',1-*-29,-1$",6$-'$<9$<9--9#$.#9."#96$-'$#91.',6$-'$6*1"1-9#1$*,$-)9$D2-2#9X$

Y5 0'++98-$",6$","+/R9$6"-"$"<'2-$4)"-$)"1$)"..9,96A$4)"-$*1$)"..9,*,3A$",6$4)"-$,9961$-'$)"..9,$*,$-)9$D2-2#9$-'$799-$-)9$,9961$'D$"DD98-96$8',1-*-29,-1X$

:5 0''#6*,"-9$",6$6*1197*,"-9$*,D'#7"-*',$',$"F"*+"<+9$#91'2#891$",6$#91.',191$-'$12..'#-$'#3",*R"-*',1$.#'F*6*,3$6*#98-$19#F*8915$

$

S)/$;$='4,$T"++$ZF9,-W$B94$0)"++9,391A$B94$0'++"<'#"-*',1$$=)9$8',-*,2*,3$F2+,9#"<*+*-/$'D$-)9$<'#'23)O1$1-'#7C*7."8-96$#91*69,-1$",6$*,D#"1-#28-2#9$)"1$8#9"-96$"$8+9"#$19,19$'D$2#39,8/5$$;1$-)9$D2++$18'.9$",6$18"+9$'D$-)9$1-'#7O1$*7."8-$8'79$*,-'$F*94A$+',3C-9#7$#98'F9#/$",6$.#9."#96,911$*7.9#"-*F91$"#9$8)"++9,3*,3$>-"-9,$?1+",6O1$,',.#'D*-1$-'$8',,98-$",6$7'<*+*R9$*,$,94$4"/1A$",6$"8#'11$198-'#1$P$4*-)$"$#9,9496$.21)$D'#$9DD98-*F9$"6F'8"8/A$-98),*8"+$"11*1-",89A$

!"#"$%"&'#$()*+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ("39$L$

:[ S)"-$"#9$-)9$4"/1$-)"-$49$,',.#'D*-1$8",$.#9."#9$'2#19+F91$<9--9#$D'#$-)9$,9Q-$6*1"1-9#A$"1$*,6*F*62"+$'#3",*R"-*',1$",6$"1$"$8'772,*-/$'D$'#3",*R"-*',1\$$

][ T'4$6'91$/'2#$'#3",*R"-*',$4",-$-'$<9$.'1*-*',96$8'79$-)9$,9Q-$6*1"1-9#\$S)"-$6'$/'2$4",-$-'$<9$#9"6/$-'$6'\$$

$

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`$

$$$$$$$$$$$$$$$$$$$$$$$$$$$ $

!"#"$%"&'#$()*+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ("39$I$

T'++/$!9+",/$0'+9$.#919,-96$N9/$D*,6*,31$D#'7$-)9$.#9C='4,$T"++$12#F9/A$",6$*,F*-96$."#-*8*.",-1$-'$*,6*8"-9$</$"$1)'4$'D$)",61$4)9-)9#$-)9/$49#9$"--9,6*,3$"1$."#-*8*.",-1$'#$+*1-9,9#15$$;++$"--9,6991$-)9,$<#'N9$'2-$*,-'$17"++$3#'2.1A$8'7.#*196$'D$."#-*8*.",-1A$+*1-9,9#1A$"$D"8*+*-"-'#$",6$"$#98'#69#A$-'$-"N9$"$699.9#$6*F95$

$("#-*8*.",-1$!*18211$$=)9$17"++C3#'2.$6*18211*',1$P$1)"#96$F*"$#9.'#-C'2-1$-'$-)9$D2++$3#'2.$'D$"--9,6991$P$49#9$-)'23)-D2+$",6$F"#*96A$",6$8#/1-"++*R96$8'77',$-)97915$$("#-*8*.",-1$#9D+98-96$',$8)"++9,391A$1-#9,3-)1$",6$.#9."#96,911$"1$D'++'41W$$!"#$$%&'%()***G[$S)"-$3'-$*,$/'2#$4"/$'D$<9*,3$9DD98-*F9$.'1-C1-'#7$P$4)9-)9#$*,$-)9$#98'F9#/$9DD'#-1$'#$8',-*,2*,3$/'2#$4'#N$4*-)$/'2#$8'#9$8',1-*-29,8/$",6$7*11*',\$*!

• %"11*F9$-9+98'772,*8"-*',1$<#9"N6'4,$"DD98-96$'2#$.9#1',,9+A$1*-91$"',$8+*9,-1$_",6$1'79-*791$49$6*6,O-$N,'4$)'4$-'$#9"8)$-)97[5$

• ;88911$-'$'2#$D"8*+*-/$4"1$<+'8N96$D'#$6"/1$"D-9#$-)9$1-'#75$• S9$49#9$-'#,$<9-499,$)94*,3$-'$'2#$_#932+"#[$7*11*',A$",6$#91.',6*,3$-'$

*7796*"-9$,99615$• 0',D21*',$"<'2-$-)9$#'+9$'D$-)9$.2<+*8$198-'#$62#*,3$#9+*9DA$,'$#9"+$N,'4+9639$

'#$9Q.9#*9,89$)9#9$-'$*,D'#7$'2#$9DD'#-15$• a2#$1-"DD$49#9$.9#1',"++/$"DD98-96$</$-)9$1-'#7X$49$,99696$-'$-"N9$8"#9$'D$

-)97$"1$49++$"1$'2#$8+*9,-15$• ^"8N$'D$8''#6*,"-*',$P$49$6*6$,'-$)"F9$"69J2"-9$9F"82"-*',$'#$979#39,8/$

.+",1$*,$.+"895$• S9$6*6,O-$N,'4$)'4$-'$)9+.`$-)9#9$199796$-'$<9$"$3#9"-$6*F9#39,89W$1'79$

'#3",*R"-*',1$49#9$#9+"-*F9+/$2,"DD98-96A$<2-$6*6,O-$N,'4$4)"-$4"1$,99696$'#$)'4$-'$.#'F*69$"11*1-",895$

*+,-%&',"()*$Y[$$S)"-$D"8*+*-"-96$/'2#$"<*+*-/$-'$<9$9DD98-*F9$.'1-C1-'#7\$!

• a2#$#9+"-*',1)*.15$?$N,94$4)'$?$8'2+6$8'2,-$',A$",6$8"++$',A$-'$39-$89#-"*,$-)*,31$6',95$

• >-#',3$,9-4'#N15$$?$4"1$"<+9$-'$)"#,911$7/$,9-4'#N$-'$7'<*+*R9$"$#",39$'D$8'772,*-/$#91'2#8915$

• b,'4+9639"<+9$.99#1$#9"6/$-'$.#'F*69$4)"-9F9#$"11*1-",89$-)9/$8'2+6$_*,8+26*,3$',9$4)'$"6F*196W$.2-$/'2#$.)',9$#98'#61$*,$-)9$8+'26A$*7796*"-9+/[5$

!"#"$%"&'#$()*+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ("39$c$

• S9$.+"/96$-'$'2#$1-#9,3-)1A$",6$49#9$"<+9$-'$6'$7'#9$'D$4)"-$49$"+4"/1$_"+#9"6/[$6'5$

• a2#$1-"DDd$$?$"7$*,$"49$'D$)'4$696*8"-96A$8'2#"39'21$",6$8'7."11*',"-9$-)9/$"#95$

• ^"8N$'D$8''#6*,"-*',$4"1$"$49"N,911A$/915$$e2-$-)9$3''6$,941$*1W$*D$-)*1$3#'2.$'D$."#-*8*.",-1$*1$#9.#919,-"-*F9$'D$-)*1$8'772,*-/A$-)9#9$*1$"$+'-$'D$*,39,2*-/A$+9"69#1)*.$",6$.'-9,-*"+$)9#95$$$

!.-%/#-%0&%(()*!:[$S)"-$"#9$-)9$4"/1$-)"-$49$,',.#'D*-1$8",$<9--9#$.#9."#9$'2#19+F91$D'#$-)9$,9Q-$6*1"1-9#A$"1$*,6*F*62"+$'#3",*R"-*',1$",6$"1$"$8'772,*-/$'D$'#3",*R"-*',1\$$!

• Z628"-*',$",6$.+",,*,3$*,$'2#$'4,$"39,8*91A$1'$49O#9$<9--9#$.#9."#96$-'$)9+.$'2#$8+*9,-1$",6$8'772,*-/5$

• 0'772,*8"-*',1$.+",1A$"-$-)9$*,6*F*62"+$",6$8'772,*-/$+9F9+5$• S9$,996$8',-*,2*-/$.+",1A$",6$-'$<"8N2.$9119,-*"+$6'8279,-1$*,$-)9$8+'265$• 0'772,*-/$)2<1$*,$,9*3)<'#)''61A$-'$<9--9#$8''#6*,"-9$"D-9#$-)9$,9Q-$

6*1"1-9#5$• 09,-#"+*R96$6"-"$P$1'$49$8'2+6$8'++98-*F9+/$2,69#1-",6$4)"-$*1$8'7*,3$*,A$",6$

4)9#9$"#9$3".15$;+1'$1'79$N*,6$'D$19+DC#93*1-9#$6"-"<"19$-'$#93*1-9#$12#F*F'#$,9961$_93$."-*9,-1$4)'$,996$'Q/39,[5$

• ;$6*#98-'#/$'D$9F"82"-*',$89,-9#1A$.'+*89A$D''6$.",-#*91$P$D'#$+'8"+$#91*69,-15$$>'$D'+N1$N,'4$4)9#9$-'$3'$-'$39-$4)"-$-)9/$,9965$

• S*-)$<9--9#$4"#,*,3$1/1-971$*,$.+"89A$49$8'2+6$1-'8N.*+9$8'77'6*-*91$_D''6A$4"-9#A$39,9#"-'#1[5$

• =)9$Bf0$aDD*89$'D$Z79#39,8/$%","3979,-$1)'2+6$'.9,$",$'DD*89$',$>-"-9,$?1+",65$

• S9$1)'2+6$<9--9#$2-*+*R9$#91'2#891$+*N9$'2#$+'8"+$8'++9391$",6$#"6*'5$• B9Q-$-*79A$49$,996$-'$#98'3,*R9$+9"69#1$'D$"++$N*,61A$D"1-9#$P$4)9-)9#$-)9/$

)"F9$"$U,"79.+"-9V$'#$,'-5$$• T'21*,3$D'#$F'+2,-99#1$*1$"$<*3$3".5$• g,#91-#*8-96$D2,61$P$-'$8'F9#$"67*,*1-#"-*F9$8'1-1$*,$-)9$4"N9$'D$"$6*1"1-9#5$• ^''19,*,3$'D$#91-#*8-*',1$',$219$'D$D2,61$"+#9"6/$"++'8"-96$P$1'$49$8'2+6$219$

'2#$8'772,*-/$<2191$D'#$",'-)9#$.2#.'19A$D'#$*,1-",895$• g,#91-#*8-96$D2,61$P$4'2+6$3*F9$21$-)9$D+9Q*<*+*-/$49$,996$*,$'#69#$-'$.+",5$• S9$,996$-'$39-$-'$N,'4$'2#$"6F'8"8/$."#-,9#1$<9--9#A$-'$*,D+29,89$.'+*8/5$• @Z%;$#9J2*#979,-1$721-$<9$7"69$7'#9$*,-9++*3*<+95$• S9$,996$-'$N,'4$7'#9$"<'2-$3'F9#,79,-$#'+91A$.#'891191A$8',-#"8-1$C$"-$-)9$

+'8"+$+9F9+A$',$>-"-9,$?1+",65$• %"N9$12#9$49$"#9$,'-$&21-$-"+N*,3$-'$'2#19+F91$P$<2-$-)"-$49$"#9$"-$-)9$-"<+9$

4)9,$.2<+*8$198-'#$.+",,*,3h.'+*8/7"N*,3$*1$)"..9,*,35$• i9-$7'#9$796*"$8'F9#"39$'D$>-"-9,$?1+",6$*11291$*,$#93*',"+A$,"-*',"+$796*"5$

!"#"$%"&'#$()*+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ("39$H$

][$T'4$6'91$/'2#$'#3",*R"-*',$4",-$-'$<9$.'1*-*',96$8'79$-)9$,9Q-$6*1"1-9#\$S)"-$6'$/'2$4",-$-'$<9$#9"6/$-'$6'\$$!

• S9$4*++$69D*,*-9+/$<9$.2#8)"1*,3$<"8N2.$39,9#"-'#1$_-)'23)$7'1-$D2,69#1$4',O-$)9+.$21$."/$D'#$-)97[5$

• ZF9#/$'#3",*R"-*',$,9961$6*1"1-9#$.+",1W$<"8N2.$D'#$?=h8'772,*8"-*',1h$#9"8)*,3$F'+2,-99#1h1-'#"39h8'++"<'#"-*,3$"8#'11$.#'3#"71$",6$19#F*8915$$;,6$49$,996$-'$#9F*1*-$",6$2.6"-9$-)919$.+",1$#932+"#+/5$

• S9$8",$-"+N$*,$<#'"6$1-#'N91$"<'2-$.#9."#"-*',A$<2-$-)9#9$"#9$1.98*"+$12<198-'#$,9961$-'$8',1*69#$-''5$

• S9$4*++$<9$"66#911*,3$12<C8'772,*-*91$-)"-$)"F9$1.98*"+$,9961A$8'7.*+*,3$+*1-1$'D$8+*9,-1$4*-)$1.98*"+$,9961A$796*8"-*',1A$9-85$

• S9O6$+*N9$-'$<9$#9"6/$4*-)$7'#9$7'<*+9$796*8"+$2,*-15$• ;$#91'2#89$)2<$-'$7".$*,D'#7"-*',$P$4)"-$"#9$3'F9#,79,-$"39,8*91$6'*,3A$

",6$)'4$-'$D*,6$-)975$$?1$-)9#9$"$U.'#-"+V$-'$39-A$93A$>e;$*,D'#7"-*',\$• ^9-O1$1-#9,3-)9,$'2#$8''#6*,"-*,3$798)",*1715$$E*3)-$,'4A$49$)"F9$,'$

8',19,121$',$4)"-$"$2,*D*96$#91.',19A$"8#'11$'#3",*R"-*',1A$7*3)-$+''N$+*N95$• ?O6$+*N9$-'$8#9"-9$"$U<266/$1/1-97V$"8#'11$7/$",6$-4'$'-)9#$"39,8*915$• S9$,996$-'$)"F9$"$7*,61)*D-$',$D2,6#"*1*,3A$-'$8)",39$)'4$49$-)*,N$"<'2-$*-5$$

;1$'D$,'4A$49$"#9$,'-$8'F9#*,3$-)9$-#29$8'1-1$'D$.#'3#"71A$",6$49$"#9$69D*,*-9+/$,'-$39--*,3$-)9$12..'#-$49$,996$-'$1-#9,3-)9,$-)9$'#3",*R"-*',5$

• ?$4",-$'2#$<'"#6$-'$<9$9,3"396$*,$'2#$'#3",*R"-*',O1$.#9."#96,911$.+",,*,3d$$=)9/$,996$-'$<9$*,F'+F96$",6$9,3"3965$

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e9-1/$!2<'F1N/$-)",N*,3$"++$D'#$1)"#*,3$-)9*#$<91-$-)*,N*,3$",6$#98'779,6"-*',1A$4)*8)$7"/$)"F9$#91',",89$4*-)*,$",6$<9/',6$>-"-9,$?1+",65$

$$$

!"#"$%"&'#$()*+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ("39$GM$

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a,9$+*1-9,9#$1"*6A$US9$)"F9$-'$1*-$"#'2,6$-)9$-"<+9$-'39-)9#$-'$39-$-'$"$<9--9#$+9F9+$'D$8''#6*,"-*',5$e9D'#9$-'6"/A$49$)"6,O-$D'2,6$-)"-$-"<+9$/9-5$=)*1$799-*,3$*1$",$*7.'#-",-$D*#1-$1-9.5V$$;,'-)9#$+*1-9,9#A$8+9"#+/$7'F96A$,'-96A$U='6"/$49$9Q.9#*9,896W$jT9#9$*1$>-"-9,$?1+",65$?-$*1$",$*1+",6A$39'3#".)*8"++/A$",6$4*-)$"$,2",896$12#F*F"+$7*,619-h#9"+*-/$-)"-$*1$2,*J295O$>'$-)"-$7"N91$6*1"1-9#$.+",,*,3$)9#9$"$+*--+9$6*DD9#9,-5$$S9O#9$9,3"3*,3$*,$6*1"1-9#$.#9."#96,911$8',F9#1"-*',1$8*-/C4*69`$<2-$)9#9A$*-O1$"$+*--+9$6*DD9#9,-5$S9$,996$-'$9,12#9$-)"-$-)9$<'#'23)O1$2,*J29$jD#"79O$*1$3#"D-96$',-'$.'+*8/$#9"+*-*915V$$^*1-9,9#1$'<19#F96W$

• >-"-9,$?1+",6$*1$"$<'2,696$1/1-97A$4*-)$2,*J29$8"."8*-/$",6$,9961A$#9+"-*F9$-'$'-)9#$<'#'23)15$

• =)"-$1/1-97$9,8'7."1191$#'<21-$,9-4'#N1$P$'D$#9+"-*',1)*.1A$#91'2#891A$N,'4+9639A$9Q982-*',$8"."8*-/5$

• ;7',3$."#-*8*.",-1A$-)9#9$*1$"$8+9"#$"#-*82+"-*',$'D$1)"#96$,9961$P$"-$-)9$'#3",*R"-*',$",6$198-'#$+9F9+15$

• B9-4'#N1$49#9$"8-*F"-96$.'1-C1-'#7$*,$,94$4"/1A$-)'23)$#"7.C2.$4"1$)"7.9#96$</$D#"379,-"-*',$*,$8'772,*8"-*',1A$N,'4+9639A$#932+"-*',1A$D2,6*,3$#91-#*8-*',15$$

• ;$8'77',$-)#9"6W$+"8N$'D$8'772,*8"-*',$1/1-971h8''#6*,"-*',5$• i*F9,$-)9$1-#9,3-)$'D$#9+"-*',1)*.1$",6$,9-4'#N1$)9#9A$49$1)'2+6$<9$

12..'#-*,3$-#"*,*,3$9DD'#-1$-'$<9--9#$19+DC'#3",*R9$"D-9#$6*1"1-9#15$T'4$-'$D+"--9,$-)"-$82#F9\$$$

• !*1"1-9#$.#9."#96,911$-"N91$-*79A$",6$#91'2#8915$$?-$)"1$-'$<9$"88911*<+9A$#*3)-C1*R96$-'$-)9$'#3",*R"-*',A$",6$N9.-$82##9,-5$

• ;$N*,6$'D$k-/.'+'3/k$'D$"8-*F*-/$</$."#-*8*.",-1$)"6$979#396W$T'+6$_)2,N9#$6'4,$',$7*11*',[X$ZQ-9,6$_)'+6$',$-'$7*11*',A$",6$6'$"$+*--+9$7'#9[X$=#",1D'#7$_1-'.$6"/C-'C6"/$7*11*',$",6$.#'F*69$6*1"1-9#$"11*1-",89[5$

• ='39-)9#A$49$,996$-'$"66#911$-4*,$,',.#'D*-$8)"++9,391W$+9"69#1)*.$-'$"6F",89$"$198-'#C4*69$"8-*',$.+",A$",6$8"."8*-/$-'$1-#9,3-)9,$-)9$6*1-#*<2-96h19+DC'#3",*R96$,"-2#9$'D$-)9$198-'#5$$$

!"#"$%"&'#$()*+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ("39$GY$

a,$>-"-9,$?1+",6A$#9+"-*',1)*.1$7"--9#A$91.98*"++/$*,$-*791$'D$979#39,8/X$-)9/$9,)",896$-)9$"<*+*-/$'D$7",/$,',.#'D*-1$-'$<9$#91.',1*F9A$",6$-'$4'#N$-'39-)9#$49++$*,$)"#6$-*7915$$=)9$."#-*8*.",-1O$6*18211*',$.'49#D2++/$"DD*#796$-)9$.'1*-*F9$#'+9$'D$#9+"-*',1)*.1$*,$-)9$<'#'23)O1$,',.#'D*-$98'1/1-975$$a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b9/$.'*,-1A$"1$1277"#*R96$</$l*,$^9,R"$'D$>?B@(;W$

$$$$$$$$$$$$$$$$$$$$$$ $

!"#"$%"&'#$()*+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ("39$GL$

E9F5$m26/$^5$e#'4,$ ;D#*8",$E9D239$?,85$E*8)$@+","3",n$$ 0'++939$'D$>-"-9,$?1+",6$E'19",,$T'+-$ $ %9"+1$',$S)99+1$'D$>-"-9,$?1+",6$>"#"$!*"R$ $ me@0>$(#'&98-$T'.9$>-9.)9,$(#91N*++n$ S"3,9#$0'++939$=9##/$=#'*"$ $ (#'&98-$T'1.*-"+*-/$=)9#91"$@'+*,'$ $ e21/$e9"8',$!"/$0"#9$09,-9#$=)'7"1$%8!','23)$ =2,,9+$='$='49#1$$='7$e'/+",6n$ $ >?7"3*,91$='7$02,1'+'$ $ %*6+",6$e#9"8)$;++*",89$$o*91)"$B'##*1$ $ (#'&98-$T'.9$$

"#$%&'&($)!$;6#*","$;N9#1$ $ Tg!$T2##*8",9$>",6/$E9<2*+6*,3$="1N$@'#89$;+9Q$^2-R$ $ ;79#*8",$E96$0#'11$*,$i#9"-9#$B94$f'#N$;++",$S9*113+"11$ =)9$>-"-9,$?1+",6$@'2,6"-*',$e#*",$e/#6$ $ B94$f'#N$>-"-9$T9"+-)$@'2,6"-*',$!",,/$E'19,-)"+$ T27",$>9#F*891$0'2,8*+$!99$%*,-9#$ $ @969#"+$Z79#39,8/$%","3979,-$;39,8/$@"-*7"$>)"7"$ $ Bf0$%"/'#O1$aDD*89$'D$?77*3#",-$;DD"*#1$?#D",$T"1",$ $ B94$f'#N$0'772,*-/$=#21-$?1"<9++"$0"#6',"$ Bf0$%"/'#O1$E98'F9#/$aDD*89$m2",*-"$;/"+"$l"#3"1$ g,*-96$S"/$'D$Bf0$m21-*,$e'47",$$ @969#"+$Z79#39,8/$%","3979,-$;39,8/$b"++*,$e#''N1$ $ B"-*',"+$09,-9#$D'#$!*1"1-9#$(#9."#96,911A$%"*+7",$>8)''+$'D$

(2<+*8$T9"+-)A$0'+27<*"$g,*F9#1*-/$b"-)+99,$b9,,96/$ B94$f'#N$0*-/$!9."#-79,-$'D$T9"+-)$",6$%9,-"+$T/3*9,9$^*,6"$%",+9/$$ $ ^"4/9#1$;++*",89$'D$B94$f'#N$%"#*"$%'--'+"$ $ B94$f'#N$@'2,6"-*',$("2+$!2DD/$ $ i'F9#,'#O1$aDD*89$$E"<<*$e'<$b".+",$ 0;g>Z$BfCm94*1)$0'772,*-/$E9+"-*',1$0'2,8*+$'D$B94$f'#N$>"+F"-'#9$?,3#"F"++'$ @969#"+$Z79#39,8/$%","3979,-$;39,8/$

$*+,--!.(/01!2,3#-#%,%/($)!$;6#*9,,9$;<<"-9$ >?$("#-,9#1)*.$D'#$0'772,*-/$S9++,911$0"#'+/,$>"2F"39$%"#$ 0'772,*-/$E91'2#89$ZQ8)",39$b"#9,$Z#6'1$ $ 0'772,*-/$E91'2#89$ZQ8)",39$^"89/$>+'",9n$ $ 0'++939$'D$>-"-9,$?1+",6A$>'8*"+$S'#N$(#'3#"7$^"2#"$m9",$S"--9#1n$ =)9$>-"-9,$?1+",6$@'2,6"-*',$("F*-#"$%9,',$ $ 0'772,*-/$E91'2#89$ZQ8)",39$E",6"++$p2",$ $ 0'772,*-/$E91'2#89$ZQ8)",39$l*8N*$E'*-7",$ $ m00$'D$>-"-9,$?1+",6$!!!

Impact of Hurricane Sandy on Staten Island Nonprofits

A Town Hall Event

Prepared by Community Resource Exchange

7/30/2013

Community Resource Exchange Page 1

1

Introduction On June 19, 2013, The Staten Island Foundation and the Staten Island Not-For-Profit Association (SINFPA) co-sponsored a town hall at the College of Staten Island whose purpose was to build greater understanding about the impact of Hurricane Sandy on Staten Island-based nonprofits. The event’s conversations were to specifically focus on the storm’s impact on nonprofit infrastructure and capacity. The fifty-six Staten Island based nonprofits which registered for the town hall completed a brief survey as part of the process. The survey was designed to provide town hall conveners with background that enabled them to organize the event’s conversations well as well as to provide initial data to event participants and beyond about the impact of the Hurricane on Staten Island nonprofits. The following report provides a summary of the key data offered by nonprofit registrants. It should be noted that many of the survey questions were designed specifically to capture information about the experience of nonprofits which were affected by Hurricane Sandy. At least 11 conference registrants indicated that they were not impacted by the storm, and as such, within the survey, they were directed to answer just a few select questions. A handful of other registrants, while affected by the storm, chose not to respond to all of the questions asked. As such, for questions related to storm impact, the survey reports most consistently on the experience of about 35 - 38 nonprofits whose representatives completed the survey fully.


2

Questions 1 & 2:

N=55

N=35


3

Question 2:

N=56


4

Question 3:

N=56


5

Question 4:

N=56


6

Question 5:

N=56


7

Question 6:

N=38


8

Question 7: How did Hurricane Sandy affect your organization's ability to help your core constituency and to carry out your core mission?

• Hurricane Sandy impacted PAL after school and child care programs in Staten Island, Coney Island and Rockaway. In Rockaway, sites were closed for extended periods and one site in a NYCHA facility was used a distribution hub to the community. In Coney Island, our child care facilities suffered extensive damage. One location has still not reopened. On Staten Island, many of our participants and their families were impacted. One site was closed for several weeks while another began running a Saturday Program that families rebuilding were able to bring their children to.

• While our fleet of trucks was damaged, we quickly found replacements and created a

two-track system of food delivery; one for our "normal" deliveries, and one for Sandy deliveries.

• Fewer people were able to take our classes – this compromised our bottom line and

our ability to offer free/scholarship services. • We continued to deliver meals, challenged but undeterred, to our recipient

constituency. A number of our volunteer deliverers were unable to deliver and we found alternate volunteers or had others "double-up" with delivery. We needed to search for all of our meal recipients to confirm their location and well-being. Some clients were displaced and were served at other locations. We provided meals to individuals who could not be included under our city contract and we delivered food to these people unfunded. We responded to a request from the PAL to deliver 50 lunches each Saturday to children PAL were supervising whose families were cleaning up and restoring their homes in the storm damaged areas. This operation was also unfunded through the end of April 2013.

• The hurricane damaged the property and inhibited us from having meetings and

clients. The hurricane also affected businesses with which we work very closely. • We experienced moisture & mold damage as well as structure power outages. • We actually increased our constituency with Project Hope funding. • Many students and staff were affected, which put some constraints on the ability of the

institution to fulfill its mission fully. In congruence with our mission, our school felt a commitment to reach out to the community, as many of our students were affected by the disaster. We think this outreach was able to make an impact.

• We were closed for 4 days, and the phones and internet service was down for a

couple weeks after the storm passed. • Three of buildings damaged by the storm to the extent that they could not be occupied

for several weeks. This included agency's executive office building which houses central administration staff.

• We had to evacuate our residents from their homes. Lack of power made it more


9

difficult for us to provide emergency relief to others. • Our work was delayed, but our core mission and work were not greatly affected. • We were unable to have several residences open due to storm damage, our day

services were closed for about a week and our new building suffered considerable damage.

• Since our core mission is to help with housing and community service access, the

needs of those affected by the hurricane were within our mission. • Our communication capacities were affected due to down telephone service and

electric, which impacted both staff and clients. Senior centers closed due to electric. We had difficulty fueling vehicles in 2nd week. After initial 2-3 week period, things began to settle. Also, in one of our other housing corps, due to cellar and first floor flooding, electricity, heat, and telephone services was interrupted and clean-up and repairs were needed over 1-2 month period.

• Our organization was almost totally crippled. • Increased demand for service; had to secure outside training of staff. • We were still able to serve our network. • Unable to provide childcare services for 3 weeks due to the structural damage of the

facility and equipment. We also experienced material damages as a direct result of Hurricane Sandy.

• Many of our members lived in the affected areas. Even one of our staff lost her house.

Many immigrants were not accessing relief because of cultural and language barriers. We had to replicate FEMA days to get people to sign up. Also the initial eligibility requirements for federal aid were changing by the day and very confusing.

• We changed our work load to help the community. • The office closed. • Our program will not be available in its former capacity until next year. • The Museum lost power so we were unable to operate. Our annual mailing was sent

the week before the storm and response was down 20% compared to last year. • In addition to the physical damage that Snug Harbor sustained, Hurricane Sandy

significantly impacted our earned income revenue. The decrease affected our operations, which ultimately supports the communities that Snug Harbor serves. Snug Harbor saw tour cancellations, a decline in the number of school trips, and a decrease in rentals amounting to a significant loss.

• Office closed, telephone not working, unable to deal with small business owners.


10

N=35 Note: As indicated by question #1, 19.6% of organizations who registered for the event and took this survey reported they were not impacted by Hurricane Sandy.

• It was challenging due to lack of basic resources, i.e., gas, electric & transportation. • It made it more difficult, but staff was able to work remotely and continue some work. • Because we had no electricity, computer or phone service, we could not reach our

clients and could not provide on-site services at our various locations. Staff went out to the field to offer help -- crisis counseling, etc. These were non-reimbursable services. The overall financial loss was approximately $300,000.

• Our mission was to open a National Lighthouse Museum in summer 2013, but due to

future Museum site sustaining $200,000 in Sandy damage our plans have been put on hold in trying to resolve Sandy damage and a revised targeted hard opening for summer, 2014.

• Regular communication systems were down so it was difficult to contact clients, and

treatment services were interrupted for a week due to power failure. • Our flagship office was without power for 9 days, but we were able to reconstruct many

critical services at an alternate location. • We quickly took on so many cases for Sandy victims that it impeded our ability to do

our existing work.


11

Question 8:

CHOICES

1. Staff people were personally affected by the storm, and their employment with us was interrupted. 2. We were fortunate, we had no to little negative impact from the Hurricane of any type. 3. Our facilities suffered minor damage and required minor repair. 4. We experienced a gap in our ability to provide service to constituents at off-site or secondary

locations. 5. The organization lost equipment and furniture and supplies. 6. Our facilities suffered major damage, and required extensive renovations and rebuilding. 7. Hired temporary replacement staff or used volunteers to fill unanticipated staff gaps.

N=38


12

Question 9:

N=36


13

Question 10:

N=38


14

Question 11:

N=36


15

Question 12:

N=18 (of 19)


16

Question 13:

N=35


17

Question 14:

CHOICES: Blue: Yes, we now work with new or additional individuals, families or communities Orange: No, there are no significant differences in who we serve, or what we focus on or deliver now, as compared to before Hurricane Sandy. N=48

• We are trying to work with Sandy Victims, offering scholarships, etc. We're also planning a Sandy Children's Art Workshop and exhibit - free to those affected. And we are struggling with a loss of registrations as those affected by Sandy are not taking classes, etc.

• There has been a reduction in the number of field trips for schools located in areas hit by Sandy. There has been a reduction in the number of visitors to the museum for those areas.

• We have increased our work on crisis management.


18

• Yes, at this time we offer programs/ services to assist those who have been impacted by Hurricane Sandy. This may last several years.

• There is more focus on remediating homes, on homelessness, on alleviating hunger, and on providing mental health support for affected individuals.

• We have served additional individuals and families from the Mid-Island and South Beach areas of Staten Island; CHCR has also waived co-payments for individuals who do not have any form of health insurance coverage and were affected or displaced as a result of Hurricane Sandy.

• During the weeks immediately following the storm our property on Cedar Grove Avenue served as a gathering and distribution center for donations for the surrounding community. Other than that immediate response, we have returned to our core mission exclusively.

• Our home repair program has been expanded to include families affected by the hurricane. Specifically, we are currently repairing homes with a grant from the Robin Hood Foundation. We are providing more case assistance for individuals and families to receive services related to the hurricane, and we are serving on committees of the Long Term Recovery Organization to advocate for needed services.

• There has been some Sandy related transportation services provided, elder abuse and crime victims assistance services provided, but these are core services for agency.

• We are budgeting for greater sustainability such as an increase in reserve funds.

• Our program has moved to Freshkills Park for this year allowing limited public access.

• We have had to refocus programming due to the loss of our dock and outdoor stage.

• Through funding received from various charitable organizations, we are now providing school and community based short-term crisis counseling and long-term PTSD treatment services to children and families in locations where we previously had no presence. We are actively involved in disaster planning activities with the SI NFPA.

• Fundraising efforts are now faced with a new focus.


19

• We have significantly expanded our outreach and case-management services. We launched a 50 plus member coalition and actively participate in other community coalitions.


20

Question 15:

1) Preparedness/strengthening my organization so we’re better positioned for a similar disaster in

the future. 2) Linking up with others to better respond to these challenges. 3) Our mission and core constituency is pretty much unchanged; we’re in good shape for the year

ahead. 4) Keeping the lights on/ our organization is struggling financially and is at risk in the coming year.

N=45


21

Question 16: Any Additional Comments? • I am interested in what options might still be available for organizations like mine that

did not get direct storm damage, but still six months later are feeling the effects.

• We have also received no support in helping our organization to better prepare for similar storms in the future in terms of physically preparing the properties to mitigate the damage due to storm surge/flooding in the future.

• Until the city budget for FY14 is passed and we know the exact amount of NYC

Council's discretionary funds, we will not have a clear sense about our financial position for the new year, (which has been the case for last 4 years). There is also a concern re sequestration and its impact on our federal funding.

• We need more help from the Community, foundations & CITY / FEMA.

• There must be special attention to CBO's working with vulnerable populations such

as Immigrants (documented and undocumented) seniors, etc. We must establish a formal relationship with Emergency Response and Preparedness agencies. We responded immediately after the storm and were able to identify over 150 families that authorities have not encountered and we connected them with services. We have the trust of the community and we need to formalize these partnerships to avoid having people falling through the cracks in future emergencies.

• Both our annual appeal and annual fundraiser were significantly less than this year.

Our facility also needs improvement to be protected from future storms.

• Preparedness/ strengthening my organization AND OUR CONSTITUENCY are priorities so we're better positioned for a similar disaster in the future.

• Financial struggles are related to both the storm and the dramatic changes in state

funding for behavioral health services. Together, it is the perfect storm.

• Not sure if any of the above statements describe our needs.

$0',12+-,3$ - issuelab.org"#"$%"&'#$()+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!! ("39$:$;

Documents

Transcript of $0',12+-,3$ - issuelab.org"#"$%"&'#$()+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!! ("39$:$;

$0',12+-*,3$ - issuelab.org"#"$%"&'#$()*+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!! ("39$:$;

Documents

Transcript of $0',12+-*,3$ - issuelab.org"#"$%"&'#$()*+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!! ("39$:$;

$0',12+-,3$ - issuelab.org"#"$%"&'#$()+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!! ("39$:$;

Transcript of $0',12+-,3$ - issuelab.org"#"$%"&'#$()+",-)#'./$0',12+-*,3$!"44456"#"7"&'#58'7!!!!! ("39$:$;