<html dir="ltr">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=Windows-1252">
<style>
<!--
@font-face
{font-family:Wingdings}
@font-face
{font-family:Wingdings}
@font-face
{font-family:Calibri}
@font-face
{font-family:Tahoma}
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:12.0pt;
font-family:"Times New Roman","serif"}
a:link, span.MsoHyperlink
{font-family:"Arial","sans-serif";
color:#4444BB;
text-decoration:none none}
a:visited, span.MsoHyperlinkFollowed
{font-family:"Arial","sans-serif";
color:#666677;
text-decoration:none none}
p
{margin-right:0in;
margin-left:0in;
font-size:12.0pt;
font-family:"Times New Roman","serif"}
p.MsoAcetate, li.MsoAcetate, div.MsoAcetate
{margin:0in;
margin-bottom:.0001pt;
font-size:8.0pt;
font-family:"Tahoma","sans-serif"}
p.clear, li.clear, div.clear
{margin-right:0in;
margin-left:0in;
font-size:12.0pt;
font-family:"Times New Roman","serif"}
span.EmailStyle21
{font-family:"Calibri","sans-serif";
color:#1F497D}
span.BalloonTextChar
{font-family:"Tahoma","sans-serif"}
.MsoChpDefault
{font-size:10.0pt}
@page WordSection1
{margin:1.0in 1.0in 1.0in 1.0in}
ol
{margin-bottom:0in}
ul
{margin-bottom:0in}
-->
</style><style type="text/css" id="owaParaStyle"></style>
</head>
<body bgcolor="white" lang="EN-US" link="#4444BB" vlink="#666677" fpstyle="1" ocsi="0">
<div style="direction: ltr;font-family: Times New Roman;color: #000080;font-size: 10pt;">
Hi All --
<div><br>
</div>
<div>Please see below for a great collection of professional development opportunities and resources!</div>
<div><br>
</div>
<div>Bryan<br>
<div><br>
<div style="font-family:Tahoma; font-size:13px">
<div style="font-family:Tahoma; font-size:13px">
<div style="font-family:Tahoma; font-size:13px">
<div style="font-family:Tahoma; font-size:13px">
<div style="font-family:Tahoma; font-size:13px">
<div style="font-family:Tahoma; font-size:13px">
<div style="font-family:Tahoma; font-size:13px">
<div style="font-family:Tahoma; font-size:13px">
<p style="line-height:18px; font-family:Helvetica,Arial,sans-serif; background:#ffffff; color:#333333; font-size:12px">
<br>
<span style="line-height:18px; font-family:Helvetica,Arial,sans-serif; background:#ffffff; color:#bb0000; font-size:12px; font-weight:bold">Bryan Ashton</span> Assistant Director<br>
<span style="line-height:18px; font-family:Helvetica,Arial,sans-serif; background:#ffffff; color:#bb0000; font-size:12px">The Office of Student Life</span> Student Wellness Center<br>
B130 RPAC | 337 W. 17th Avenue Columbus, OH 43210<br>
(614) 230-8190 Office<br>
<span style="padding-right:10px"><a href="mailto:ashton.53@osu.edu" style="line-height:18px; font-family:Helvetica,Arial,sans-serif; background:#ffffff; font-size:12px; font-weight:bold">ashton.53@osu.edu</a></span> <b><a href="swc.osu.edu">swc.<span style="background-color:rgb(255,255,255)">osu.edu</span></a></b>
</p>
<p class="MsoNormal"><span style="font-size:6.0pt; font-family:"Arial","sans-serif"; color:#1F497D">EDUCATIONAL SERVICE ONLY; NO ADVICE IS PROVIDED</span><span style="font-size:6.0pt; font-family:"Times New Roman","serif"; color:#1F497D"></span></p>
<p class="MsoNormal"><span style="font-size:6.0pt; font-family:"Arial","sans-serif"; color:#1F497D">Scarlet and Gray Financial Coaching is an educational service only. We do not provide investment, legal, debt consolidation, debt management or tax advice. The
information provided is for general educational purposes only, and is not intended to substitute for the advice of your investment, legal, tax advisors and/or credit counselors or to be the basis of specific trading, investment or debt consolidation and management
activities. If you need investment, legal, tax advice, and/or credit counseling, please consult with one of these professionals.</span><span style="font-size:6.0pt; font-family:"Times New Roman","serif"; color:#1F497D"></span></p>
<p class="MsoNormal"><span style="font-size:6.0pt; font-family:"Arial","sans-serif"; color:#1F497D"> </span><span style="color:rgb(31,73,125); font-family:Arial,sans-serif; font-size:6pt">The links to third-party financial resources are provided as a convenience
for informational purposes only. Neither The Ohio State University or its Student Wellness Center endorses or approves any of the products, services or opinions of the entities or individuals associated with these links. The Ohio State University and its
Student Wellness Center bear no responsibility for the accuracy, legality or content of any external site associated with the links provided or any subsequent links.</span></p>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<div style="font-family: Times New Roman; color: #000000; font-size: 16px">
<hr tabindex="-1">
<div id="divRpF639955" style="direction: ltr;"><font face="Tahoma" size="2" color="#000000"><b>From:</b> Coogan, Elizabeth [Elizabeth.Coogan@ed.gov]<br>
<b>Sent:</b> Tuesday, September 01, 2015 3:17 PM<br>
<b>To:</b> Ashton, Bryan; Phil Schuman<br>
<b>Subject:</b> FW: Financial Literacy Update September/October 2015<br>
</font><br>
</div>
<div></div>
<div>
<div class="WordSection1">
<p class="MsoNormal"><span style="font-size:11.0pt; font-family:"Calibri","sans-serif"; color:#1F497D"> </span></p>
<p class="MsoNormal"><span style="font-size:11.0pt; font-family:"Calibri","sans-serif"; color:#1F497D">Any interest in sharing this on the NSCFW Listserv?</span></p>
<p class="MsoNormal"><span style="font-size:11.0pt; font-family:"Calibri","sans-serif"; color:#1F497D">Elizabeth</span></p>
<p class="MsoNormal"><span style="font-size:11.0pt; font-family:"Calibri","sans-serif"; color:#1F497D"> </span></p>
<p class="MsoNormal"><span style="font-size:11.0pt; font-family:"Calibri","sans-serif"; color:#1F497D"> </span></p>
<div>
<p class="MsoNormal"><b><span style="font-size:10.0pt; font-family:"Calibri","sans-serif"; color:gray">Elizabeth Coogan
</span></b><span style="font-size:10.0pt; font-family:"Calibri","sans-serif"; color:gray">| Senior Advisor, Customer Experience Office | Federal Student Aid
</span></p>
<p class="MsoNormal"><span style="font-size:10.0pt; font-family:"Calibri","sans-serif"; color:gray">830 First Street NE, Washington, DC 20202<br>
P: (202) 377-3825 | C: (202) 603-0668</span><span style="font-size:10.0pt; font-family:"Calibri","sans-serif"; color:#1F497D"> |
</span><span style="font-size:10.0pt; font-family:"Calibri","sans-serif"; color:#1F497D"><a href="mailto:elizabeth.coogan@ed.gov" target="_blank"><u><span style="color:#1F497D">elizabeth.coogan@ed.gov</span></u></a></span><span style="font-size:10.0pt; font-family:"Calibri","sans-serif"; color:#1F497D"></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt; font-family:"Calibri","sans-serif"; color:#1F497D"> </span></p>
<p class="MsoNormal"><span style="color:#3300FC"><img id="Picture_x0020_1" src="cid:image001.png@01D0E4C9.621D2120" alt="Description: Description: cid:image001.png@01CD6E6C.4007D1B0" height="33" width="297" border="0"></span><span style="font-size:10.0pt; font-family:"Calibri","sans-serif"; color:#1F497D"></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt; font-family:"Calibri","sans-serif"; color:#1F497D"> </span></p>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt; font-family:"Calibri","sans-serif"; color:#1F497D"> </span></p>
<div>
<div style="border:none; border-top:solid #B5C4DF 1.0pt; padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:10.0pt; font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt; font-family:"Tahoma","sans-serif""> Community Affairs [mailto:CommunityAffairs@occ.treas.gov]
<br>
<b>Sent:</b> Tuesday, September 01, 2015 3:06 PM<br>
<b>To:</b> Coogan, Elizabeth<br>
<b>Subject:</b> Financial Literacy Update September/October 2015</span></p>
</div>
</div>
<p class="MsoNormal"> </p>
<table class="MsoNormalTable" border="0" cellpadding="0" summary="For layout only" width="100%" style="width:100.0%; background:#5A8725">
<tbody>
<tr>
<td style="padding:.75pt .75pt .75pt .75pt">
<p class="MsoNormal"><span style="font-size:8.5pt; font-family:"Arial","sans-serif"; color:black"><img id="_x0000_i1025" src="http://www.occ.gov/images/lyris-occ-comm-affairs-header-left-green.gif" alt="Comptroller of the Currency Logo" height="73" width="207" border="0"></span></p>
</td>
<td style="padding:.75pt .75pt .75pt .75pt">
<p class="MsoNormal"><span style="font-size:8.5pt; font-family:"Arial","sans-serif"; color:black"><img id="_x0000_i1026" src="http://www.occ.gov/images/lyris-occ-comm-affairs-flu.gif" alt="Financial Literacy Update" height="73" width="347" border="0"></span></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal"><span lang="EN" style="font-size:8.5pt; font-family:"Arial","sans-serif"; color:black"> </span></p>
<table class="MsoNormalTable" border="1" cellpadding="0" width="100%" id="Table2" style="width:100.0%; background:#007DC3; border:none; border-bottom:inset #CCCCCC 4.5pt">
<tbody>
<tr>
<td style="border:none; padding:7.5pt 7.5pt 7.5pt 7.5pt">
<p class="MsoNormal"><b><span style="font-family:"Arial","sans-serif"; color:white">July/August 2015</span></b></p>
</td>
<td style="border:none; padding:7.5pt 7.5pt 7.5pt 7.5pt">
<p class="MsoNormal" align="right" style="text-align:right"><b><span style="font-family:"Arial","sans-serif"; color:white">COMMUNITY AFFAIRS</span></b></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal"><span lang="EN" style="font-size:8.5pt; font-family:"Arial","sans-serif"; color:black"> </span></p>
<table class="MsoNormalTable" border="0" cellpadding="0" summary="layout only" id="Table3" style="background:#D5DFC6">
<tbody>
<tr>
<td colspan="4" style="padding:4.5pt 4.5pt 4.5pt 4.5pt">
<p><span style="font-size:10.0pt; font-family:"Arial","sans-serif"; color:black">The Office of the Comptroller of the Currency (OCC)'s
<em><b><span style="font-family:"Arial","sans-serif"">Financial Literacy Update</span></b></em> is a bimonthly e-newsletter that reports upcoming financial literacy events, new initiatives, and related resources of the OCC and other government agencies and
organizations.<br>
<br>
<em><b><span style="font-family:"Arial","sans-serif"">Financial Literacy Update</span></b></em> provides brief descriptions and Web links for events in chronological order. It lists new initiatives and resources (with Web links) in alphabetical order. We welcome
your feedback.<br>
<br>
Have an upcoming literacy event, new tool, or product? Please e-mail us at <a href="mailto:communityaffairs@occ.treas.gov" target="_blank">
communityaffairs@occ.treas.gov</a>. Online versions of <em><b><span style="font-family:"Arial","sans-serif"">Financial Literacy Update</span></b></em> are available at
<a href="http://www.occ.gov/topics/community-affairs/resource-directories/financial-literacy/financial-literacy-update.html" target="_blank">
www.occ.gov/flu</a>.</span></p>
</td>
</tr>
<tr style="">
<td width="25%" style="width:25.0%; padding:4.5pt 4.5pt 4.5pt 4.5pt">
<ul type="square" style="margin-top:0in">
<li class="MsoNormal" style="color:#007DC3; text-align:center"><b><span style="font-size:10.0pt; font-family:"Arial","sans-serif""><a href="#events">Events</a></span></b></li></ul>
</td>
<td width="25%" style="width:25.0%; padding:4.5pt 4.5pt 4.5pt 4.5pt">
<ul type="square" style="margin-top:0in">
<li class="MsoNormal" style="color:#007DC3; text-align:center"><b><span style="font-size:10.0pt; font-family:"Arial","sans-serif""><a href="#initiatives">Initiatives</a></span></b></li></ul>
</td>
<td width="25%" style="width:25.0%; padding:4.5pt 4.5pt 4.5pt 4.5pt">
<ul type="square" style="margin-top:0in">
<li class="MsoNormal" style="color:#007DC3; text-align:center"><b><span style="font-size:10.0pt; font-family:"Arial","sans-serif""><a href="#resources">Resources</a></span></b></li></ul>
</td>
<td width="25%" style="width:25.0%; padding:4.5pt 4.5pt 4.5pt 4.5pt">
<ul type="square" style="margin-top:0in">
<li class="MsoNormal" style="color:#007DC3; text-align:center"><b><span style="font-size:10.0pt; font-family:"Arial","sans-serif""><a href="http://www.occ.gov/topics/community-affairs/resource-directories/financial-literacy/financial-literacy-update.html" target="_blank">Updates</a></span></b></li></ul>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal"><span lang="EN" style="font-size:8.5pt; font-family:"Arial","sans-serif"; color:black"> </span></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" id="Table4" style="margin-left:9.0pt">
<tbody>
<tr>
<td style="padding:7.5pt 0in 7.5pt 0in">
<p class="MsoNormal"><span style="font-size:10.0pt; font-family:"Arial","sans-serif"; color:black"> </span></p>
</td>
</tr>
<tr>
<td style="background:#99CCFF; padding:3.0pt 3.0pt 3.0pt 3.0pt">
<p class="MsoNormal"><a name="events"></a><b><span style="font-size:10.5pt; font-family:"Arial","sans-serif"; color:black">EVENTS</span></b></p>
</td>
</tr>
<tr>
<td valign="top" style="padding:7.5pt 0in 7.5pt 0in">
<p class="MsoNormal"><strong><span style="font-size:10.0pt; font-family:"Arial","sans-serif"; color:black"><a href="http://www.jumpstart.org/events9.html" target="_blank">Mississippi Jump$tart Coalition Art and Essay Contest</a></span></strong><b><span style="font-size:10.0pt; font-family:"Arial","sans-serif"; color:black"><br>
<strong><span style="font-family:"Arial","sans-serif"">September (Mississippi)</span></strong></span></b><span style="font-size:10.0pt; font-family:"Arial","sans-serif"; color:black"><br>
The Mississippi Jump$tart Coalition sponsors this contest for Mississippi students in grades 9-12. The theme is “Get Smart About Credit,” and entries will be judged on how well they convey the theme of finding resources outside of student loans to pay for college.
Contest winners are eligible for scholarships.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.frbatlanta.org/education/workshops.aspx" target="_blank">Teacher Workshops in Southeastern U.S.</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">September–October 2015</span></strong></b><br>
The Federal Reserve Bank of Atlanta sponsors numerous teacher workshops and events in Alabama, Florida, Georgia, Louisiana, Mississippi, and Tennessee.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.newyorkfed.org/education/fedchallenge_college.html" target="_blank">College Fed Challenge</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">September-December 2015 (New York)</span></strong></b><br>
The Federal Reserve Bank of New York sponsors this challenge designed to bring real-world economics into the classroom. Teams play the role of monetary policymakers by analyzing economic conditions and recommending a course for monetary policy.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.formstack.com/forms/?1890375-7lCNdDoXr4" target="_blank">Financial Coaching Professional Development Webinar Series</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">September-December 2015 (Nationwide)</span></strong></b><br>
The Association for Financial Counseling and Financial Planning (AFCPE) and Sage Financial Solutions offer this professional development collaboration designed to introduce the concepts and techniques of financial coaching.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.vbgov.com/government/departments/human-services/your-dhs/pages/bankonvirginiabeach.aspx" target="_blank">BankOn Virginia Beach Start Your Financial Makeover</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">September 2015 (Virginia Beach, Va.)</span></strong></b><br>
BankOn Virginia Beach offers this series of classes and one-on-one coaching to improve the financial lives of Virginia Beach residents.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.bankonhamptonroads.com/" target="_blank">BankOn Hampton Roads</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">September 2015 (Hampton Roads, Va.)</span></strong></b><br>
BankOn Hampton Roads offers a free financial makeover, a 10 -month financial education program, and one-on-one coaching to improve the financial lives of Hampton Roads residents.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif"">Master Financial Educator Volunteer Training in Virginia Beach</span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif""><a href="mailto:kmunden@vt.edu/" target="_blank">kmunden@vt.edu</a></span></strong><br>
<strong><span style="font-family:"Arial","sans-serif"">September 14-November 21, 2015 (Virginia Beach, Va.)</span></strong></b><br>
Virginia Cooperative Extension offers this training for community volunteers interested in conducting personal finance classes or personal finance coaching. Use the e-mail address above to register.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.stlouisfed.org/events/2015/09/ee-econnections" target="_blank">Classroom ECONnections Webinar</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">September 15, 2015 (Nationwide)</span></strong></b><br>
The Federal Reserve Bank of St. Louis presents this free quarterly webinar designed to connect economics teachers with key teaching resources available from the Federal Reserve System.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="https://change-machine.org/events/introduction-to-change-machine-9-17-2015" target="_blank">Introduction to Change Machine</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">September 17, 2015 (Nationwide)</span></strong></b><br>
The Financial Clinic offers an overview of Change Machine, an online platform that gives practitioners and organizations financial coaching tools to enhance their services.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="https://events.r20.constantcontact.com/register/eventReg?oeidk=a07eadkpa4a5d1f7210&oseq=&c=&ch=" target="_blank">Economics for Opinion Leaders: Superintendents, School Board, and Board of Education
Members</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">September 17–18, 2015 (Stevens Point, Wis.)</span></strong></b><br>
Economics<em><span style="font-family:"Arial","sans-serif"">Wisconsin</span></em>, the A.O. Smith Foundation, and AT&T sponsor this two-day seminar, which features experienced economists who can help participants understand and communicate economic principles
to non-economists in ways that are powerful, entertaining, and engaging.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif"">Build Your Business Series</span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">September 22 and October 27, 2015 (Virginia Beach, Va.)</span></strong></b><br>
BankOn Virginia hosts this series featuring the FDIC’s Money Smart for Small Business curriculum. Classes are free and held on the fourth Tuesday in September and October. Please e-mail
<a href="mailto:bankonvb@vbgov.com" target="_blank">bankonvb@vbgov.com</a> for more information.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.jumpstart.org/financial-boot-camp-2015.html" target="_blank">Financial Education Boot Camp</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">September 25, 2015 (New Orleans, La.)</span></strong></b><br>
The Louisiana Jump$tart Coalition and the Louisiana Council for Economic Education sponsor this workshop designed to equip Louisiana educators and youth/community development professionals with the knowledge, tools, and classroom resources to teach students
to become financially savvy and in control of their financial futures.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.mdcash.org/" target="_blank">Common Cents Conference in Virginia</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 6, 2015 (Arlington, Va.)</span></strong></b><br>
The Common Cents Conference addresses the financial issues facing the residents of the Maryland, Washington, D.C., and Virginia region. Attendees learn about innovative program models to help residents achieve their financial dreams.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.stlouisfed.org/events/2015/10/cd-529childsavings" target="_blank">529s and Child Savings Accounts: New Strategies to Promote Savings and Development for America’s Children</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 7-8, 2015 (St. Louis, Mo.)</span></strong></b><br>
The Federal Reserve Bank of St. Louis hosts this event, which provides insights and lessons on how organizations can begin, improve, or expand a 529 or child savings account program.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.councilforeconed.org/events/cee-national-conference/" target="_blank">Council for Economic Education’s National Conference in Florida</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 7–10, 2015 (St. Petersburg, Fla.)</span></strong></b><br>
The Council for Economic Education conference is a nationwide gathering of educators. The conference features a diverse selection of presentations, workshops, and events to enable educators to raise the level of economic and financial literacy among K–12 students.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.jumpstart.org/events18.html" target="_blank">2015 Virginia Financial Literacy Summit</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 12, 2015 (Richmond, Va.)</span></strong></b><br>
The Virginia Jump$tart Coalition sponsors this conference, which brings together Virginia’s middle and high school teachers and the state’s leading proponents of financial literacy to discuss best practices and provide training on personal finance topics.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.philadelphiafed.org/education/" target="_blank">Cards, Cars, and Currency: Professional Development Series for Teachers</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 13 and November 10, 2015 (Philadelphia, Pa.)</span></strong></b><br>
The Federal Reserve Bank of Philadelphia hosts this two-evening professional development program introducing grades 7-12 to methods for teaching personal finance using the Cards, Cars, and Currency lessons from the Federal Reserve Bank of St. Louis. Participants
must attend both sessions.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.njcfe.org/events/event_details.asp?id=635614" target="_blank">2015 Financial Symposium: Trending Issues in Financial Literacy, a Cross Generational Perspective</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 15, 2015 (Branchburg, N.J.)</span></strong></b><br>
The New Jersey Coalition for Financial Education sponsors this annual symposium.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="https://change-machine.org/blog/change-machine-public-launch" target="_blank">Change Machine Launch</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 15, 2015 (Nationwide)</span></strong></b><br>
The Financial Clinic hosts the public launch of Change Machine, an online platform that gives practitioners and organizations financial coaching tools to enhance their services.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.aba.com/Engagement/pages/getsmartaboutcredit.aspx" target="_blank">Get Smart About Credit Day</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 15, 2015 (Nationwide)</span></strong></b><br>
The American Bankers Association (ABA) Foundation sponsors this event to teach young people the ABCs of wise credit use. The ABA provides bankers with tools and resources to go into classrooms, connect with youth groups, and visit college campuses and high
schools to help young people learn how to budget for college, use credit responsibly, build a positive payment history, and protect their identity. The program is open to all banks, including non-ABA members.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.economicswisconsin.org/Lambeau.html" target="_blank">Wisconsin Summit on Financial Literacy</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 16, 2015 (Green Bay, Wis.)</span></strong></b><br>
The Wisconsin Governor’s Council on Financial Literacy, Lakeland College, and EconomicsWisconsin host this annual one-day conference to support K-12 teachers, community outreach educators, and those with an interest in enhancing the financial and economic literacy
of individuals (young or old) within their community.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.philadelphiafed.org/education/" target="_blank">Third Annual Federal Reserve Financial Education Day: A Professional Development Program for Teachers</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 21, 2015 (Philadelphia, Pa.)</span></strong></b><br>
The Federal Reserve Bank of Philadelphia hosts this program providing grade 7-12 teachers with new materials, activities, and content for teaching about life after high school. This event is part of a nationwide Federal Reserve Bank personal finance day.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://economicswisconsin.org/LaCrosse.html" target="_blank">Money Talks: Risks and Rewards</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 23, 2015 (La Crosse, Wis.)</span></strong></b><br>
Economics<em><span style="font-family:"Arial","sans-serif"">Wisconsin</span></em>, the Council for Economic Education, and Xcel Energy sponsor this one-day conference for grade 6–12 educators, offering engaging presentations on risk and reward that link to
Wisconsin’s Model Academic Standards for Personal Financial Literacy. Each participant will receive a USB drive copy of Virtual Economics 4.5.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://events.r20.constantcontact.com/register/event?oeidk=a07eau3vng3434108c9&llr=yyfrxbmab&showPage=true" target="_blank">Financial Literacy Conference in Virginia</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 26–27, 2015 (Arlington, Va.)</span></strong></b><br>
The Society for Financial Education and Professional Development Inc. hosts the Eighth Annual Financial Literacy Leadership Conference, “Financial Literacy Decision-Making.” Participants gain important information and strategies for enhancing the financial
literacy of Americans.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="https://eventgrid.com/Events/15848/2015-im-home-conference/Dates/16010" target="_blank">I’m Home Conference Minneapolis</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">October 26-28, 2015 (Minneapolis, Minn.)</span></strong></b><br>
CFED sponsors this conference bringing together affordable housing developers, lenders, government agency staff, policymakers, industry experts, homeowners, community organizers, researchers, and funders to consider manufactured housing as a source of affordable
housing and asset building for low- and moderate-income families.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://assetbuilders.org/page10.html" target="_blank">Finance and Investment Challenge Bowl</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">November 3, 2015-March 16, 2016 (Wausau, Racine, Kenosha, Madison, and Appleton, Wis.)</span></strong></b><br>
Asset Builders of America and the Wisconsin Department of Financial Institutions sponsor this financial literacy program for high school students, teaching a wide range of financial literacy topics aligned with Wisconsin’s Model Academic Standards for Personal
Financial Literacy, culminating in a live quiz show-style tournament where teams compete to determine regional champions. See Web site for specific city and date information.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="https://eventgrid.com/Events/17572/platforms-for-prosperity-summit/Dates/18010" target="_blank">Platforms for Prosperity Summit: Growing a Financially Secure Workforce</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">November 3, 2015 (Washington, D.C.)</span></strong></b><br>
CFED sponsors this conference focusing on strengthening the capacity of employers, workforce development agencies, microenterprise development organizations, and others to help workers move toward financial stability and security.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.utahjumpstart.org/" target="_blank">$tart $mart Teacher Summit</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">November 6, 2015 (Park City, Utah)</span></strong></b><br>
The Utah Jump$tart Coalition sponsors this professional development event for Utah teachers.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://financialplanningdays.org/event/virginia-beach-financial-planning-day" target="_blank">Financial Planning Day in Virginia Beach</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">November 7, 2015 (Virginia Beach, Va.)</span></strong></b><br>
The city of Virginia Beach hosts its fifth annual financial planning day, with free one-on-one counseling from certified financial planners, accountants, and credit counselors. A variety of workshops will help attendees with college and retirement planning,
financial management, credit building, and more.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://assetbuilders.org/page8.html" target="_blank">The Money Conference</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">November 7, 2015-February 13, 2016 (Appleton, Racine, Kenosha, and Wausau, Wis.)</span></strong></b><br>
Asset Builders of America and the Wisconsin Department of Financial Institutions sponsor this full-day financial education conference for youth and families, featuring national speakers and up to 25 separate workshops presented in English, Spanish, and Hmong,
as appropriate. Day care and meals are provided to all attendees. See Web site for specific city and date information.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.jumpstart.org/2015-jump$tart-national-educator-conference.html" target="_blank">National Educator Conference in Maryland</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">November 6–8, 2015 (National Harbor, Md.)</span></strong></b><br>
The Jump$tart Coalition’s sixth annual conference offers tools, resources, and support for educators of pre-K–12 students.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.afcpe.org/symposium/" target="_blank">Annual Research and Training Symposium</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">November 18-20, 2015 (Jacksonville, Fla.)</span></strong></b><br>
AFCPE hosts this conference for personal finance professionals working in research, practice, and educational settings.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="https://events.r20.constantcontact.com/register/eventReg?oeidk=a07ebaftuq0e8097256&oseq=&c=&ch=" target="_blank">26th Annual Association of School Economics Teachers Conference</a></span></strong><b><br>
<strong><span style="font-family:"Arial","sans-serif"">December 4, 2015 (Milwaukee, Wis.)</span></strong></b><br>
Economics<em><span style="font-family:"Arial","sans-serif"">Wisconsin</span></em>, the Council on Economic Education, and the Wisconsin Department of Financial Institutions sponsor this conference focusing on what has happened economically in the United States
since the great recession.<br>
</span></p>
</td>
</tr>
<tr>
<td style="background:#99CCFF; padding:3.0pt 3.0pt 3.0pt 3.0pt">
<p class="MsoNormal"><a name="initiatives"></a><b><span style="font-size:10.5pt; font-family:"Arial","sans-serif"; color:black">INITIATIVES</span></b></p>
</td>
</tr>
<tr>
<td valign="top" style="padding:7.5pt 0in 7.5pt 0in">
<p class="MsoNormal"><strong><span style="font-size:10.0pt; font-family:"Arial","sans-serif"; color:black"><a href="http://www.aba.com/Engagement/Pages/LCSInfo.aspx" target="_blank">2015-2016 Lights, Camera, Save! Video Contest</a></span></strong><span style="font-size:10.0pt; font-family:"Arial","sans-serif"; color:black"><br>
The ABA Community Engagement Foundation sponsors this video contest for banks to engage teenagers to educate themselves and their peers about the value of saving and using money wisely. Banks host the local level of the competition and select winners to compete
on the national level.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif"">#ConsumersCantWait Campaign</span></strong><br>
CFED and its partners in the Asset Building Policy Network launched this Twitter campaign to tell the Consumer Financial Protection Bureau (CFPB) that consumers can’t wait for protection from predatory payday lenders.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif"">#WhatHomeLooksLike!</span></strong><br>
CFED launched this Twitter campaign to encourage owners of manufactured homes to submit photos of their homes or one of its amenities and send it to
<a href="mailto:photos@cfed.org" target="_blank">photos@cfed.org</a>. Homeowners submitting photos will have a chance to win prizes.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.lifesmarts.org/" target="_blank">LifeSmarts Online Consumer Challenge</a></span></strong><br>
The National Consumers League hosts LifeSmarts, an online competition open to all students in grades 6–12. Each month focuses on a different category important to teen consumers: personal finance, health and safety, consumer rights, technology, and the environment.
Teams with the highest online scores advance to state competitions in the early spring, and the winning teams advance to the National Championship (April 9–12 in Denver, Colo.).</span></p>
</td>
</tr>
<tr>
<td style="background:#99CCFF; padding:3.0pt 3.0pt 3.0pt 3.0pt">
<p class="MsoNormal"><a name="resources"></a><b><span style="font-size:10.5pt; font-family:"Arial","sans-serif"; color:black">RESOURCES</span></b></p>
</td>
</tr>
<tr>
<td valign="top" style="padding:7.5pt 0in 7.5pt 0in">
<p class="MsoNormal"><strong><span style="font-size:10.0pt; font-family:"Arial","sans-serif"; color:black"><a href="http://www.aarp.org/moneywebinars" target="_blank">AARP—Small Business Administration Webinars</a></span></strong><span style="font-size:10.0pt; font-family:"Arial","sans-serif"; color:black"><br>
AARP and the U.S. Small Business Administration (SBA) host new webinars and republish previous webinars to educate people who want to start businesses or expand existing ones.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.aba.com/CommunityEngagement/?utm_campaign=BCE_MAP_E1_Launch__20150713&utm_medium=email&utm_source=Eloqua" target="_blank">Banks in Their Communities</a></span></strong><br>
The ABA Foundation offers this interactive map spotlighting how banks interact with their customers through the annual Community Commitment Awards.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.consumer.gov/" target="_blank">Consumer.gov</a></span></strong><br>
This Federal Trade Commission (FTC) site contains free resources about credit, debt, identity theft, and avoiding scams, as well as budgeting, opening a bank account, shopping for prepaid cards, and managing money in general. The site is available in Spanish
at <a href="http://www.consumidor.gov/" target="_blank">www.consumidor.gov</a>.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.urban.org/sites/default/files/alfresco/publication-pdfs/2000306-Delivering-Early-Information-about-College-Financial-Aid.pdf" target="_blank">Delivering Early Information About College
Financial Aid: Exploring the Options for Middle School Students</a></span></strong><br>
The Urban Institute offers this research report about early awareness of federal student aid and recommendations for working with federal agencies that provide services to low-income families.<a href="http://www.fdic.gov/deposit/" target="_blank"><br>
<br>
</a><strong><span style="font-family:"Arial","sans-serif""><a href="http://www.fdic.gov/deposit/" target="_blank">FDIC Deposit Insurance Education Materials</a></span></strong><br>
The FDIC has made significant improvements to its deposit insurance education materials. The changes are designed to allow the public to quickly access basic information while still offering the traditional in-depth and comprehensive deposit insurance information.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.neighborworks.org/Homes-Finances/Financial-Security" target="_blank">Financial Capability Programs</a></span></strong><br>
NeighborWorks America offers programs, demonstration projects, videos, webinars, and infographics on financial capability.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="mailto:CFPB_FinEx@cfpb.gov" target="_blank">Financial Education Exchange</a></span></strong><br>
The CFPB created this exchange that gives information on the CFPB’s latest tools, research, and webinars.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://hrblock.budgetchallenge.com/Portals/1/Documents/FAQ_2015-16.pdf" target="_blank">H&R Block Budget Challenge</a></span></strong><br>
The H&R Block Budget Challenge is a free teen financial literacy program in the form of an online game that simulates real life as an adult: paying bills, managing expenses, saving money, investing in retirement, paying taxes, and more. Participants play classroom
against classroom and students against students in this learning-by-doing simulation to win $3 million in grants and scholarships.<a href="http://www.identitytheft.gov/" target="_blank"><br>
<br>
</a><strong><span style="font-family:"Arial","sans-serif""><a href="http://www.identitytheft.gov/" target="_blank">IdentityTheft.gov</a></span></strong><br>
This FTC site is the federal government’s one-stop resource to help people report and recover from identity theft. It’s also available in Spanish at
<a href="http://www.robodeidentidad.gov" target="_blank">www.robodeidentidad.gov</a>.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.mycreditunion.gov/Pages/default.aspx" target="_blank">MyCreditUnion.gov</a></span></strong><br>
The National Credit Union Administration’s (NCUA) official consumer protection Web site, MyCreditUnion.gov, and its financial literacy microsite, Pocket Cents, offer educational information, resources, and articles designed to help individuals make smarter
financial decisions and better choices with their money.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.mymoney.gov/Pages/default.aspx" target="_blank">MyMoney.gov</a></span></strong><br>
This U.S. Department of the Treasury site is a one-stop shop for Americans looking for financial education information and resources from across the federal government. The Web site highlights MyMoneyFive, a research clearinghouse with information and games
focused on youth.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.youtube.com/watch?v=ZVWvd-2wCtM" target="_blank">NCUA Video Educates Consumers on Payday Loans, Alternatives</a></span></strong><br>
This latest video in the NCUA’s Consumer Report series explains how payday loans work, highlighting important features consumers should be aware of and alternatives consumers should consider before taking out a payday loan.<a href="http://cssl.osu.edu/national-student-financial-wellness-study/results/" target="_blank"><br>
<br>
</a><strong><span style="font-family:"Arial","sans-serif""><a href="http://cssl.osu.edu/national-student-financial-wellness-study/results/" target="_blank">National Student Financial Wellness Study</a></span></strong><br>
The National Student Financial Wellness Study (NSFWS) is a national survey of college students examining the financial attitudes, practices, and knowledge of students from institutions of higher education across the United States, and was developed and administered
by The Ohio State University. Fifty-two four-year public, four-year private, and two-year public institutions participated during autumn 2014 and winter 2015.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.consumerfinance.gov/blog/the-newcomers-guides-to-managing-money/" target="_blank">Newcomer’s Guides to Managing Money Today</a></span></strong><br>
The CFPB offers these guides featuring tips to help newcomers to the United States navigate how to receive money, open an account, pay bills, and select financial services and products. The guides also provide information on how to submit a complaint about
a problem with a financial product or service.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.occ.gov/topics/community-affairs/resource-directories/financial-literacy/index-financial-literacy.html" target="_blank">OCC Financial Literacy Resource Directory</a></span></strong><br>
The OCC offers numerous resources important to bankers, organizations, and consumers of all ages. Visitors to the site can browse by topic or perform keyword searches for its Financial Literacy Resource Directory, which enables more efficient information searches
within the directory.<a href="http://www.consumerfinance.gov/empowerment/" target="_blank"><br>
<br>
</a><strong><span style="font-family:"Arial","sans-serif""><a href="http://www.consumerfinance.gov/empowerment/" target="_blank">Office of Financial Empowerment Web Site</a></span></strong><br>
The CFPB’s Office of Financial Empowerment consolidates its work and initiatives empowering low-income and economically vulnerable consumers on one Web site.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.treasury.gov/resource-center/financial-education/Documents/Opportunities%20to%20Improve%20the%20Financial%20Capability%20and%20Financial%20Well-being%20of%20Postsecondary%20Students.pdf" target="_blank">Opportunities
to Improve the Financial Capability and Financial Well-Being of Postsecondary Students</a></span></strong><br>
The Financial Literacy and Education Commission (FLEC) released this report that describes the state of financial education among post-secondary students. The report describes current efforts to enhance financial education in a number of institutions with regard
to student understanding of financial aid and financial education topics.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://files.consumerfinance.gov/f/201507_cfpb_overseas-underserved-student-loan-servicing-and-the-cost-to-our-men-and-women-in-uniform.pdf" target="_blank">Overseas & Underserved: Student Loan
Servicing and the Cost to Our Men and Women in Uniform</a></span></strong><b><br>
</b>The CFPB offers this report outlining the issues faced by military borrowers.<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.investor.gov/" target="_blank"><br>
SEC Investor.gov’s</a> <a href="http://www.investor.gov/news-alerts/investor-alerts" target="_blank">
Alerts</a> and <a href="http://www.investor.gov/news-alerts/investor-bulletins" target="_blank">
Bulletins</a></span></strong><br>
The U.S. Securities and Exchange Commission’s Office of Investor Education and Advocacy provides numerous news alerts and bulletins for individual investors. Learning how to invest wisely and safely can assist investors in reaching their financial and retirement
goals. These reports help inform investors about fraud and other information relevant to investing in stocks, bonds, mutual funds, and other securities.<br>
<br>
<strong><span style="font-family:"Arial","sans-serif""><a href="http://www.usfinancialdiaries.org/issue" target="_blank">U.S. Financial Diaries Issue Briefs</a></span></strong><br>
The Center for Financial Services Innovation (CFSI) and the U.S. Financial Diaries project released three new issue briefs on household savings.<br>
</span></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal"><span lang="EN" style="font-size:8.5pt; font-family:"Arial","sans-serif"; color:black"> </span></p>
<table class="MsoNormalTable" border="1" cellpadding="0" id="Table5" style="margin-left:9.0pt; border:none; border-top:solid #B4B4B4 1.0pt">
<tbody>
<tr>
<td width="100%" style="width:100.0%; border:none; padding:7.5pt .75pt .75pt .75pt">
<p style="margin-right:9.0pt; margin-bottom:5.0pt; margin-left:9.0pt"><span style="font-size:9.0pt; font-family:"Arial","sans-serif"; color:#666666"><a href="http://www.helpwithmybank.gov/" target="_blank"><strong><span style="font-family:"Arial","sans-serif"">HelpWithMyBank.gov</span></strong></a>:
The OCC's HelpWithMyBank.gov Web site provides answers to approximately 250 commonly asked banking questions. While targeted to national bank customers, the site answers many questions common to all banking consumers and provides useful information about contacting
regulators of state banks, thrifts, and other financial institutions; and includes an online complaint form for bank customers wishing to register their concerns to the OCC. Information is also available in
<a href="http://www.helpwithmybank.gov/espanol/index-espanol.html" target="_blank">
Spanish</a>. A link from HOPE NOW to HelpWithMyBank.gov has been established.</span></p>
<p style="margin-right:9.0pt; margin-bottom:5.0pt; margin-left:9.0pt"><span style="font-size:9.0pt; font-family:"Arial","sans-serif"; color:#666666"><a href="http://www.occ.gov/topics/community-affairs/resource-directories/financial-literacy/index-financial-literacy.html" target="_blank"><strong><span style="font-family:"Arial","sans-serif"">Financial
Literacy Resource Directory</span></strong></a>: The OCC's Financial Literacy Resource Directory provides information on financial literacy resources, issues and events that are important to bankers, organizations, and consumers of all ages. The Web directory
includes descriptions of, and contact information for, government programs on financial literacy education and capability, a sampling of organizations that have undertaken financial literacy initiatives as a primary mission, fact sheets, newsletters, conference
materials, publications, and links to Web sites.</span></p>
<p style="margin-right:9.0pt; margin-bottom:5.0pt; margin-left:9.0pt"><span style="font-size:9.0pt; font-family:"Arial","sans-serif"; color:#666666"><a href="http://www.mymoney.gov/" target="_blank"><strong><span style="font-family:"Arial","sans-serif"">MyMoney.gov</span></strong></a>:
MyMoney.gov is the U.S. government's Web site dedicated to teaching the basics about financial education. The redesigned, interactive site offers information from 20 federal agencies and bureaus about planning for life events that have financial implications,
such as buying a home, balancing your checkbook, or planning for retirement. The site also provides money management tools, including financial calculators and worksheets.</span></p>
<p style="margin-right:9.0pt; margin-bottom:5.0pt; margin-left:9.0pt"><span style="font-size:9.0pt; font-family:"Arial","sans-serif"; color:#666666"><a href="http://www.occ.gov/tools-forms/subscribe/occ-email-list-service.html" target="_blank"><strong><span style="font-family:"Arial","sans-serif"">Subscribe/Unsubscribe</span></strong></a>:
Sign up for the OCC's "Financial Literacy Updates" by visiting the <a href="http://www.occ.gov/tools-forms/subscribe/occ-email-list-service.html" target="_blank">
OCC's Web site</a>.</span></p>
<p style="margin-right:9.0pt; margin-bottom:5.0pt; margin-left:9.0pt"><strong><span style="font-size:9.0pt; font-family:"Arial","sans-serif"; color:#666666">Have a financial literacy event coming up worth noting?</span></strong><span style="font-size:9.0pt; font-family:"Arial","sans-serif"; color:#666666">
Rolling out a new financial literacy initiative? Developing a new tool or product? Have general feedback? E-mail us at
<a href="mailto:communityaffairs@occ.treas.gov" target="_blank">communityaffairs@occ.treas.gov</a>.</span></p>
<p style="margin-right:9.0pt; margin-bottom:5.0pt; margin-left:9.0pt"><span style="font-size:9.0pt; font-family:"Arial","sans-serif"; color:#666666">The information contained in the Financial Literacy Update was obtained from publicly available sources. Inclusion
of a non-OCC event, activity, product, or hyperlink in this e-newsletter does not constitute an endorsement by the OCC. The OCC does not exercise editorial control over any of the information you may find when linking to non-OCC Web sites and cannot guarantee
the accuracy of the information.</span></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal"><span lang="EN" style="font-size:8.5pt; font-family:"Arial","sans-serif"; color:black"><br>
<img id="_x0000_i1027" src="http://comptroller.lyris.net/db/176451/345470/1.gif" height="1" width="1" border="0"></span></p>
</div>
</div>
</div>
</div>
</div>
</body>
</html>