1. Ruth Kruger, FIABCI-USA Treasurer Holding Steady

2. Goals Rebuild Reserves  No Deficit Budgets  Reserves of 6 months operating cost by December 2014  $70,000  70%/30% - Dues/Alternative Revenue by December 2014  Current 87%/13%

3. 2013 Forecast Financial Report  Year End Forecast  ($ 3,000 approx)  Need 15 new members to break even $19,601 2012 Year End  Nets Assets 12/31/2012  $25,759 12/31/11 $6,149

4. Thank you! “Your net worth to the world is usually determined by what remains after your bad habits are subtracted from your good ones.” - Benjamin Franklin