familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report...

15
! !"# %& '()*")+ , , , !"# %&& ' ()*+,*-./+0 12 1&3 43& 55567)89:;)*<7/9,*<=7".*<)>9"*6?"8

Transcript of familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report...

Page 1: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

!

!"#$%&$'()*")+$,$,$,

!"#$%&&$ ' $()*+,*-./+0$12$$1&3$43&

55567)89 :;)*<7/ 9,*<=7".*<)> 9"*6?"8

Page 2: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:
Page 3: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

!

!"#$%&#'()*+,%-

!"#$%&'()#*#$+',-."#$/0-.%1'/-#2,3'-"#'1"#4415#),%+6#7,#(//8#2%98#

9/&&0-'1',":#!1#'1"#'-9,;1'/-#'-#<==>#15,#$/0-.%1'/-#"1%+1,.#7'15#%#?,7#15/0"%-.#./((%+"#'-#",,.#&/-,)#%-.#%#?,7#9/&&0-'1)#?0-.":#@1#5%"#3+/7-#1/#%#$/0-.%1'/-#7'15#>=#;(0"#?0-."#%-.#1/1%(#./-%1'/-"#+,%95'-3#-,%+()#<#&'(('/-#./((%+":

A0+#B5,&,#?/+#15'"#;%"1#),%+#'"#CD%)#@1#$/+7%+.C:#@1#'"#%&%E'-3#5/7#./-%1'/-"#1/#15,#$/0-.%1'/-#/F,+#15,#),%+"#5%F,#;%'.#3+,%1#.'F'.,-."#%-.#7'((#9/-1'-0,#1/#5,(;#?0-.#;+/3+%&"#'-#5,%(159%+,6#.%)9%+,6#"95//(6#

9/&&0-'1',":

$'-%-9'%(#&%+8,1"#'-#<=4>#5%F,#./-,#F,+)#7,((6#7'15#%#-,1#+,10+-#/?#%;;+/G'&%1,()#H#I#/-#/0+#J-./7&,-1#$0-.:#B5,",#+,10+-"#,-%2(,#15,#K/%+.#1/#3+%-1#0;#1/#L#M46HMN#?/+#<=4>#%-.#20'(.#/0+#+,",+F,#2)#L<M6O>M:==#B5'"#+,",+F,#/F,+#15,#3//.#),%+"#5,(;"#0"#&%'-1%'-#/0+#?0-.'-3#(,F,(#75,-#&%+8,1"#%+,#./7-:

P,#7/0(.#('8,#1/#15%-8#Q,--'"#J(5%+.#75/#'"#+,1'+'-3#%?1,+#M#),%+"#/-#15,#2/%+.:#P,#7,(9/&,#%((#K/%+.#&,&2,+"#+,;+,",-1'-3#/0+#9/&&0-'1',"#'-#<=4M:

B5%-8#)/0#1/#$'-%-9'%(#*#D+/3+%&#%.&'-'"1+%1/+"6#R%+(%#S%,.'-3#*#R5,++)(#S/1E,+#?/+#15,'+#&%-)#.,.'9%1,.#5/0+"#1/#15,#$/0-.%1'/-:#B/#R%+(%6#75/#5%"#+,1'+,.#?+/&#15,#K/%+.#%1#15,#,-.#/?#<=4>6#%#503,#15%-8#)/0#?/+#15,#&%-)#),%+"#/?#",+F'9,#1/#15,#$/0-.%1'/-:#P,#%("/#,G1,-.#%#7%+&#7,(9/&,#1/#T5,++)#B%(&%-#75/#7'((#2,#%""0&'-3#15,#$'-%-9'%(#!.&'-'"1+%1/+U"#.01',":

B/#/0+#K/%+.#/?#Q'+,91/+"6#15%-8#)/0#?/+#)/0+#7/+8#%-.#.,.'9%1'/-#%-.#@#(//8#?/+7%+.#1/#%-#,G9'1'-3#%-.#;+/";,+/0"#<=4M:##

B/#/0+#R/&&0-'1',"#%-.#./-/+"6CB5%-8#V/0C6#%-.#(,1U"#&%8,#,F,+)#,??/+1#1/#####C#D!V#@B#$AWP!WQC:

!"#$%&'("&)"*'

Page 4: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

"

./01(2,#%3(,4(5$%*6-,%7

+,-%#.-&'# X,+F'-#S,-.,(# Y%-3,-20+3

/%0"'+,-%## P%++,-#S/1E,+### Y%-3,-20+3

# Q,--'"#J(5%+.## Y%-3,-20+3

# R5%+#T(%3,+# R%(.,+

# K%+2#Q,98,+# T;)#Z'((

# Q%+"%--#[%-R%,",,(,# Y%-3,-20+3

# \0.)#$',",(,+# Y%-3,-20+3

# B)+,(#B5/+;,# Y%-3,-20+3

# D%1#]%((%-1# R50+952+'.3,

# \,??#Q0(## R50+952+'.3,

1%&-&0%-*'2).%&%34#-45## R%+(%#S%,.'-3#6#57#-.'2).%&%34#-45## R5,++)(#S/1E,+# #

$%&'()#*#$+',-."#R/&&0-'1)#$/0-.%1'/-#7/0(.#('8,#1/#15%-8#%((#Q/-/+"#*#T0;;/+1,+"#?+/&#<==>^#<=4>

T;,9'%(#15%-8"#1/#K'((#\/5-"1/-#%-.#15,#$/0+#B/7-#\/0+-%(#?/+#&,.'%#9/F,+%3,:

B5%-8"#1/#K+%-.'#S,(()#?/+#0;.%1'-3#15,#7,2"'1,:

! 8 9 9 8 : ;$%&'()#*#$+',-."#7'((#"1+'F,#1/#%"",""#9/&&0-'1)#-,,."6#;+/F'.,#(,%.,+"5';6#

20'(.#,-./7&,-1"#%-.#;+/F'.,#1/#;+/&/1,#%#9//;,+%1'F,6##F'2+%-1#9/&&0-'1)#-/7#%-.#'-#15,#?010+,:

/ 8 9 8 : ;K_@YQ@`]#:#:#:#]@[@`]#:#:#:#YJ!Q@`]

!"#$%&'()*%+*,-)%+,'.)*'-/+'01-1*+'

!"#$%&'('!)$*+,-'./##0+$1&'!/0+,"1$/+'2+3' ' '!"#"$%&'()&&*''' ' +,-.' +,-+'455675' ' ' '' ' ' '' ' ' '4,#$+$-1)"1$/+' ' 89:;<=' 8>?:=9>''' ' 9@:A@B' '' ' 89?:CB=' >?:=9>''' ' ' '' ' ' 'D"%%$"1$E*'.")*'!%/F'7G)/' ' 9B:>?C' 8C:;C=''D")1+*)-'$+'H*"%1G'!%/F'7G)/0IG' ' 9B<BAC' 9;>:>AB''5"-J"1//+'!0+,'K-**'+*L1'M"I*N' ' 9:9>B:B9@' CC;:=<=''7/1"%''O*-1)$31*,'4--*1-' ' 9:>A<:AA<' 9:9;?:@?@''' ' ' '' ' ' '7P74Q'455675' ' 9:>;>:><>' 89:9=;:<==''

' '''''RRRRRRRRRRRR'

''RRRRRRRRRRRR'

Q24S2Q27265' ' ' '' ' ' 'T)"+1-'D"&"U%*' ' 8<<:9<<' 8>A:<@>''' ' ' '7P74Q'Q24S2Q27265' ' 8<<:9<<' >A:<@>''

' ''''''''''''''''''''VVVVVVVVVVV'

''''''''''''VVVVVVVVVVVV'

6WX27Y' ' ' '' ' ' '50)M%0-' ' ' 'D)$/)'50)M%0-' ' 89:9@>:B>@' 8=?9:>;9''D)$/)'M*)$/,'",Z0-1#*+1' ' [=<A' '.0))*+1'50)M%0-' ' <@:C9;' >CB:??;''7/1"%'50)M%0-' ' 89:>B=:BC=' 89:9@>:B>@''' ' ' '7P74Q'6WX27Y' ' 89:>B=:BC=' 89:9@>:B>@''

' ''''''''''''''''''''''VVVVVVVVVVVVV'

'''''''''''VVVVVVVVVVVV'

Q24S2Q27265'4\]'6WX27Y' ' 89:>;>:><>' 89:9=;:<=='' ' RRRRRRRRRRRRR' RRRRRRRRRRRR'

Page 5: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

#

8$'#'6$#9(:-#-*&*'-7

!"#$%&'('!)$*+,-'./##0+$1&'!/0+,"1$/+'2+3' ' '!"#"$%&'()&&*''' ' +,-.' +,-+'455675' ' ' '' ' ' '' ' ' '4,#$+$-1)"1$/+' ' 89:;<=' 8>?:=9>''' ' 9@:A@B' '' ' 89?:CB=' >?:=9>''' ' ' '' ' ' 'D"%%$"1$E*'.")*'!%/F'7G)/' ' 9B:>?C' 8C:;C=''D")1+*)-'$+'H*"%1G'!%/F'7G)/0IG' ' 9B<BAC' 9;>:>AB''5"-J"1//+'!0+,'K-**'+*L1'M"I*N' ' 9:9>B:B9@' CC;:=<=''7/1"%''O*-1)$31*,'4--*1-' ' 9:>A<:AA<' 9:9;?:@?@''' ' ' '' ' ' '7P74Q'455675' ' 9:>;>:><>' 89:9=;:<==''

' '''''RRRRRRRRRRRR'

''RRRRRRRRRRRR'

Q24S2Q27265' ' ' '' ' ' 'T)"+1-'D"&"U%*' ' 8<<:9<<' 8>A:<@>''' ' ' '7P74Q'Q24S2Q27265' ' 8<<:9<<' >A:<@>''

' ''''''''''''''''''''VVVVVVVVVVV'

''''''''''''VVVVVVVVVVVV'

6WX27Y' ' ' '' ' ' '50)M%0-' ' ' 'D)$/)'50)M%0-' ' 89:9@>:B>@' 8=?9:>;9''D)$/)'M*)$/,'",Z0-1#*+1' ' [=<A' '.0))*+1'50)M%0-' ' <@:C9;' >CB:??;''7/1"%'50)M%0-' ' 89:>B=:BC=' 89:9@>:B>@''' ' ' '7P74Q'6WX27Y' ' 89:>B=:BC=' 89:9@>:B>@''

' ''''''''''''''''''''''VVVVVVVVVVVVV'

'''''''''''VVVVVVVVVVVV'

Q24S2Q27265'4\]'6WX27Y' ' 89:>;>:><>' 89:9=;:<=='' ' RRRRRRRRRRRRR' RRRRRRRRRRRR'

Page 6: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

$

("/0"*11$'23$4' +,-.' +,-+'.*#*1*)&' S*)*-$+"' 8'''A:>B;' '8''''>:;B;'' 2+I%*-$,*' >C:A=@' ''''''''''''''''>=:9<=''' 51'D"0%'^")3GF*%%' 9<:?=>' 9A:CC@'' 7G$+IE"%%"' 9:@B=' ''''''''''''''''''9:;BB''' Q"+,-G011' 9:9=A' 9:9B<''' .G)$-1'Q01G*)"+' A>:BA@' AB:@C@'' 51'D"0% 'Q"+I*+U0)I' ;:AB?' '''''''''''''''''';:B<?'' 51'_/-*MG' >:B@9' 9:=>='' S*1G*%' 99:;=C' 9B:@B<'' .G0)3GU)$,I*' C:?9C' C:BA<'' H/``*+1G"%' @:>@9' ;:;BB''' 5M&'H$%%' A>:B?;' ''''''''''''''''AB:?AB''' ' ' ''''./##0+$1&' 5M&'H$%%' C:9CB' =:=B;''' .G0)3GU)$,I*' ><:C<;' ''''''''''''''''>A:?>B''' Q"+I*+U0)I' 99;:??@' ''''''''''''''9B=:>=C''' ' ' ''P1G*)' X+,*-$I+"1*,' >=:<=@' ''''''''''''''>@:9;@''' H*"%1G' AC?:C<<' AAB:CB9''' S)*"-1'."+3*)'6,03"1$/+'('

4F")*+*--''

><:?=;' >B:=??''' 4)1-' =:9<=' ''''''''''''''''''?:??A''' T*/)I*'Q"&G'7G*"1)*'' ?:>AB' ''''''''''''''''''@:?CB''' S*)+$3*'D/M$3J'^*#/)$"%' 99:B99' 9B:>=@''' a"%1*)'!$*-*%*)'!0+,' <?:;9@' <;:;B9''' a"&+*'^0+,'^*#/)$"%' 9A:CC;' 9A:A;;''' Q$11%*'O*,'.")' 9=:9A=' 9?:A?='' !Q5['53G/%")-G$M' =:AA;' ''''''''''''''''''=:B?;''' !)$*+,-'/`'Q"+I*+U0)I'

53G//%'''

9?:<9@' ''''''''''''''''9@:@;9'' .G0)3GU)$,I*'T)",'Q*I"3&' 9@:9?9' '''''''''''9<:@?@''' b*%%&'O*$1*+U"3G' 9B:BC=' ''''''''''''''''''=:;?A''' 7)*+1'!$*-*%*)'^*#/)$"%' A<:<;B' ''''''''''''''''A>:C@;'' Q"+I*+U0)I']"&3")*' ;>:9=;' ''''''''''''''';B:BBB'' Q"+I*+U0)I'O/&"%'."+",$"+'

Q*I$/+''

>B:>;B' B'' Q"+I*+U0)I'H*"%1G'('

D"%%$"1$E*''B' ;B:BBB''

' T)"+1'O*-*)E*' ?9:C??' <A:>AC'' 4,#$+'O*-*)E*' A>:?;=' ''''''''''''''''99:9<@''' 56578' -9-+,9,-:' ;<<=9>?>''

Page 7: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

%

!"#$%&'('!)$*+,-'./##0+$1&'!/0+,"1$/+'2+3' ' '@$%1A&'(*"*&A&$*'' +,-.' +,-+'O6c6\X6' ' ' '' ' ' '']/+"1$/+-' ' ' '.G")$1"U%*']/+"1$/+-' ' 8>A:>@;' 8>?;:A>?''T*+*)"%']/+"1$/+-' ' >?:@=@' <B:B>>''7/1"%']/+"1$/+-' ' ;B:C;9' A9;:A<C''' ' ' 'P1G*)'O*E*+0*' ' ' '4,#$+$-1)"1$/+'2+3/#*' ' >9:<C=' =:9@<''2+1*)*-1'O*E*+0*' ' 9BB:A;9' ;B:B<<''7/1"%'P1G*)'O*E*+0*' ' 9>9:=<C' ;=:>B=''' ' ' '' ' ' '7P74Q'O6c6\X6' ' ;-B+9>,,' ;.B.9==B''' ' VVVVVVVVV' VVVVVVVVVVV'6dD6\56' ' ' '' ' ' 'T*+*)"%'('4,#$+$-1)"1$E*'6LM*+-*-' ' ' '433/0+1$+I'('Q*I"%' ' C;=' =;?''4,E*)1$-$+I'('D)/#/1$/+-' ' =;C' 9:B;;''T)"+1-']$-U0)-*,' ' CB:@@C' @B:B?>''!0+,'4,#$+$-1)"1$/+'.G")I*-' ' >@:<=@' 9>:9=<''P``$3*'50MM%$*-' ' @C<' 9:9>?''T57'D"$,' ' CA' 99?''^*#U*)-G$M-' ' <;B' <;B''^$-3*%%"+*/0-' ' A:>?@' <:;>B''H/+/)")$0#-' ' >:<BB' >:<BB''7/1"%'T*+*)"%'('4,#$+e'6LM*+-*-' ' 9>;:==;' =>:?=>''' ' ' '' ' VVVVVVVVVV' VVVVVVVVVVV'\67'2\.P^6' ' ;?:9<-=' ;+<,9BB;''' ' RRRRRRRRRR' RRRRRRRRRRR''D)*-*+1*,'U&'.")%"'b"*,$+I:'.T4'

Page 8: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

&

./01(2,#%3(,4(5$%*6-,%7

!"#$%&'3+,7#0;#/-#15,#?%&'()#?%+&#,%"1#/?#Y%-3,-20+3:#!?1,+#9/&;(,1'-3#Z'35#T95//(#%-.#/-,#),%+#%1#B,95:#5,#";,-1#%#"5/+1#1'&,#'-#15,#;/1%"5#9/-"1+091'/-#'-.0"1+):#@-#4NaM#5,#"1%+1,.#,&;(/)&,-1#'-#"%(,"#*#",+F'9,#7'15#Y%-3,-20+3##X/1/+"#%-.#7%"#15,+,#0-1'(#5'"#+,1'+,&,-1#"'G#),%+"#%3/:#X,+F'-#*#7'?,#!--#%+,#F,+)#'-F/(F,.#7'15#(/9%(#9/&&0-'1)#/+3%-'E%1'/-":#X,+F'-#'"#(//8'-3#?/+7%+.#1/#",+F'-3#/-#$$$#2/%+.:

<-##"&#S/1E,+#5%"#+,9,-1()#+,1'+,.#%?1,+#>H#),%+"#/?#2,'-3#'-F/(F,.#'-#15,#

Jb0';&,-16#15,-#;0+95%"'-3#15,#20"'-,""#'-#Y%-3,-20+3#%-.#,F,-10%(()#,G;%-.'-3#'-1/#V/+81/-#%-.#D+,,9,F'((,:#!?1,+#&%-)#"099,""?0(#),%+"#/?#/;,+%1'-3#P%+Q%(,#Jb0';&,-1#5,#%-.#5'"#7'?,#R5,++)(#5%.#%-#/;;/+10-'1)#1/#",((#1/#W/98)#X/0-1'%-#Jb0';&,-1#'-#R%(3%+):#

P%++,-#5%"#%(7%)"#2,,-#'-F/(F,.#'-#/0+#(/9%(#9/&&0-'1)#'-9(0.'-3#&%-)#),%+"#/-#1/7-#9/0-9'(6#;+,"'.,-1#%-.#",9+,1%+)#/?#5'"#950+956#%#2/%+.#&,&2,+#/-#$%&'()#%-.#$+',-."#R/&&0-'1)#$/0-.%1'/-#"'-9,#'1#7%"#?/0-.,.:#P%++,-#5%"#%("/#2,,-#'-F/(F,.#%"#%#.'+,91/+#/-#J%"1#R,-1+%(#Q,F,(/;&,-1#K/%+.#%-.#%#.'+,91/+#%-.#;+,"'.,-1#/?#R%-%.%#P,"1#Jb0';&,-1#Q,%(,+"#!""/9'%1'/-#75'95#7,+,#F,+)#+,7%+.'-3:#

P%++,-#%-.#R5,++)(#7/+8,.#1/3,15,+#?/+#<N#),%+"#%-.#+,1'+,.#/-#15,#"%&,#.%):#P,#5%F,#/-,#95'(.#\%&'#75/#'"#&%++',.#1/#R/+)#!-.+,"#%-.#%#3+%-..%0351,+#S%+(,,#:#P%++,-#5%"#,-c/),.#5'"#&%-)#),%+"#/-#15,#$$$#2/%+.#%-.#'"#(//8'-3#?/+7%+.#1/#9/-1'-0,.#"099,""#2)#15'"#/+3%-'E%1'/-:

@-#<==d#75'(,#'-"1+091'-3#%1#15,#X,.'9'-,#Z%1#R/((,3,6#+,-##&,1#W%-.)e/-#15,#;5/-,:#B5,)#?,((#'-#(/F,6#7,+,#&%++',.#*#"5,#&/F,.#/01#5,+,#%1#R5+'"1&%"#/?#15%1#),%+:#B5,#;'-8#5%'+,.#9'1)#"('98,+#2,9%&,#%#3+%'-#?%+&,+f"#7'?,:#

!(/-3#7'15#7/+8'-3#%1#15,'+#9/+;/+%1,#?%+&6#R5%+#'"#%#&/1'F%1'/-%(#";,%8,+6#9/+;/+%1,#9/-"0(1%-1#%-.#('?,#9/%95:#T5,#7/+8"#7'15#9/+;/+%1'/-"#'-#.,F,(/;'-3#%-#,G9,((,-1#1,%&#,-F'+/-&,-16#";,%8"#%1#F%+'/0"#F,-0,"#%-.#./,"#/-,#/-#/-,#('?,#9/%95'-3#7'15#'-.'F'.0%(":#

R5%+#",+F,"#/-#15,#X%9`011#('2+%+)#2/%+.#%-.#'"#;+,"'.,-1#/?#B5,#

15%1#&%195,"#?%+&,+"#7'15#)/0-3#;,/;(,#g1+%'-,,"h#?+/&#.'??,+,-1#9/0-1+',"6#75/#7%-1#1/#(,%+-#&/+,#%2/01#%3+'90(10+,#'-#R%-%.%6#%-.#&%195,"#/0+#)/0-3#;,/;(,#7'15#?%+&,+"#?+/&#/15,+#9/0-1+',"#1/#,G;,+',-9,#%3+'90(10+,#15,+,:#T5,#(/F,"#5/&,#.,9/+%1'-36#7+'1'-3#%-.#&%8'-3#;,/;(,#(%035:

Page 9: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

'

="&&%3#&/F,.#1/#Y%-3,-20+3#7'15#5'"#7'?,#Q/--%#'-#15,#"0&&,+#/?#<==a#1/#%""0&,#D%"1/+'-3#15,#D,-1,9/"1%(#950+95:#B5,)#5%F,#15+,,#95'(.+,-i#/-,#"/-#75/#'"#&%++',.#%-.#('F'-3#'-#P'--';,3#%-.#75/#;+,",-1,.#15,&#7'15#

Y%-3,-20+3#%-.#15,#/15,+#%11,-.'-3#K'2(,#R/((,3,:#

B5,)#";,-1#&/"1#/?#15,'+#&%++',.#('?,#/-#%#&'G,.#?%+&#g<=#),%+"h#'-#15,#"/0157,"1#9/+-,+#/?#T%"8%195,7%-#-,%+#15,#1/7-#/?#J%"1,-.:#!?1,+#(,%F'-3#15,#?%+&6#5,#%11,-.,.#K+',+9+,"1#T,&'-%+)#%-.#,%+-,.#%#X:!:#$+/&#15,+,#

,-c/)"#3//.#2//8"6#&0"'96#";/+1"6#%-.#5/;,?0(()#&/1/+9)9('-3:

=-#3-&&#'"#/+'3'-%(()#?+/&#Y%-3,-20+36#%-.#('F,"#7'15#5,+#50"2%-.#Q%(,#/01#/-#15,#?%&'()#?%+&#-/+15#/?#Y%-3,-20+3:#B5,'+#95'(.+,-#R5+'"#%-.#`'9/(,#%+,#;+,",-1()#%11,-.'-3#_-'F,+"'1):#

Q%+"%--#'"#%-#%99/0-1'-3j+,9,;1'/-'"1#%1#T5%+;,f"#T/'(#T,+F'9,"#Y1.:#'-#

15,#"0&&,+:

>-#?'7%"#2/+-#%-.#+%'",.#/-#%#?%+&#'-#15,#WX#/?#T;)#Z'((:##T5,#%11,-.,.#15,#T;)#Z'((#T95//(#0-1'(#3+%.,#-'-,#%-.#9/-1'-0,.#5,+#5'35#"95//(#),%+"#'-#Y%-3,-20+3:##K%+2#5%"#2,,-#&%++',.#?/+#>4#),%+"#1/#%#`/8/&'"#-%1'F,6#K+'%-#Q,98,+:#K%+2#%-.#K+'%-#&%.,#T;)#Z'((#5/&,#%?1,+#15,)#7,+,#&%++',.:#B5,)#5%F,#15+,,#3+/7-#.%0351,+"#%"#7,((#%"#%#)/0-3#3+%-."/-:

K%+2#%-.#K+'%-#5%F,#2,,-#'-#15,#c%-'1/+'%(#'-.0"1+)#?/+#>=#),%+":#B5,)#5%F,#/7-,.#%-.#/;,+%1,.#15,'+#/7-#c%-'1/+'%(#20"'-,""#?/+#4d#),%+"6#%-.#15,)#;+,",-1()#5%F,#<>#,&;(/),,":

%-.#?//12%((6#;(%)'-3#7'15#5,+#3+%-."/-6#%-.#";,-.'-3#1'&,#7'15#5,+#?%&'()#%-.#?+',-.":

@A)B#3+,7#0;#'-#Y%-3,-20+3:#T5,#+,9,'F,.#5,+#-0+"'-3#.';(/&%#'-#R%(3%+)#%-.#15,-#+,10+-,.#5/&,#1/#('F,#/-#15,#?%+&#7'15#5,+#50"2%-.#Z,-+):#T5,#+,9,-1()#+,1'+,.#%?1,+#>O#),%+"#/?#-0+"'-3:#B5,)#5%F,#15+,,#95'(.+,-#%-.#?/0+#3+%-.95'(.+,-#75/#"5,#(/F,"#1/#";,-.#%"#&095#1'&,#%"#;/""'2(,#7'15:#

"/015#'-#15,#7'-1,+:

Page 10: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

(

CB#"*#B5/+;,#7%"#2/+-#%-.#+%'",.#'-#15,#T;)#Z'((#%+,%:#Z,#%11,-.,.#"95//(#'-#2/15#T;)#Z'((#%-.#Y%-3,-20+3#3+%.0%1'-3#?+/&#Y%-3,-20+3#Z'35#T95//(#'-#<==a:#P5'(,#%11,-.'-3#YZT#5,#7%"#'-F/(F,.#'-#&%-)#%91'F'1',"#'-9(0.'-3#TWR#%-.#F%+'/0"#";/+1"#1,%&":

_;/-#3+%.0%1'-3#'-#<==a#B)+,(#&/F,.#1/#T%"8%1//-#1/#%11,-.#15,#_-'F,+"'1)#/?#T%"8%195,7%-:##B)+,(#3+%.0%1,.#?+/&#15,#_#/?#T#7'15#%#K%95,(/+#/?#T9',-9,#'-#D5%+&%9)#'-#<=44#%-.#;+/&;1()#&/F,.#2%98#1/#Y%-3,-20+3#1/#"1%+1#5'"#9%+,,+#%1#15,#Y%-3,-20+3#D5%+&%"%F,:#

@-#\0()#<=4<#B)+,(#&%++',.#!02+,)#T95%;;,+1#%("/#?+/&#Y%-3,-20+3:#B)+,(#'"#90++,-1()#%#&%-%3'-3#;%+1-,+#/?#W02'9/-#D5%+&%9',"#R%-%.%#@-9:#&%-%3'-3#15,#Y%-3,-20+3#2+%-95:#

B)+,(#'"#'-F/(F,.#'-#2/15#T,-'/+#Z/98,)#%-.#K%",2%((#'-#Y%-3,-20+3#%-.#'"#,-c/)'-3#2,'-3#5/&,k

@"DD#&/F,.#?+/&#J.&/-1/-#1/#R50+952+'.3,#7'15#5'"#7'?,6#T5%--/-6#%-.#?%&'()#'-#<=4=#%?1,+#+,9,'F'-3#15,#9%((#1/#2,#15,#;%"1/+#%1#B+'-'1)#Y015,+%-#R50+95:##B5,)#5%F,#?/0+#95'(.+,-l#15,#/(.,"1#15+,,#%11,-.#R50+952+'.3,#;02('9#"95//(:

#\,??#7/+8,.#?/+#"'G#),%+"#'-#15,#;,1+/^95,&'9%(#'-.0"1+)#2,?/+,#%11,-.'-3#

9/-3+,3%1'/-:#\,??#'"#(//8'-3#?/+7%+.#1/#",+F'-3#/-#15,#$$$#2/%+.:

6-4#3+,7#0;#'-#X'((7//.6#X%-'1/2%:#T5,#%-.#5,+#50"2%-.#\'&#5%F,#17/#"/-"6#>#3+%-.95'(.+,-#%-.#/-,#3+,%1#3+%-.95'(.:#B5,)#5%F,#('F,.#'-#R50+952+'.3,#?/+#>4#),%+":

9%&;'-3#%-.#-0&,+/0"#9+%?1":

Page 11: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

)

./01(;3&$'$7-%#-,%7

+-#*-2,,-#15,#$'-%-9'%(#!.&'-'"1+%1/+#"'-9,#<==d#%-.#5%"#,-c/),.#",,'-3#15,#3+,%1#15'-3"#15,#$/0-.%1'/-#5%"#%""'"1,.#7'15#'-#15,#9/&&0-'1',"#'1#",+F,"#"095#%"#,G;%-.'-3#%#15,%1+,6#0;.%1'-3#15,#9%+,#5/&,6#20'(.'-3#%#;//(6#,-9/0+%3'-3#95'(.+,-#%-.#;+/&/1'-3#5,%(15:

AF,+#15,#;%"1#H#),%+"6#15,#$/0-.%1'/-#5%"#3+/7-#4>#1/#>M#?0-."#75'95#%((/7#;,/;(,#1/#./-%1,#1/#%#9%0",#9(/",#1/#15,'+#5,%+1:

R0++,-1()6#R%+(%#90++,-1()#'"#15,#B/7-#%.&'-'"1+%1/+#?/+#15,#B/7-#/?#R50+952+'.3,6#%?1,+#";,-.'-3#%##-0&2,+#/?#),%+"#7/+8'-3#?/+#15,#+,3'/-%(#9/((,3,#")"1,&:#R%+(%#%-.#50"2%-.#P%++,-6#/;,+%1,.#P%3/-#P5,,(#T,,.#R/+;#?/+#<d#),%+":#@-#<=4<#15,)#"/(.#15,#?%+&#%-.#%+,#,-c/)'-3#15,#.'+,91'/-#15,'+#('?,#'"#1%8'-3:#T;%+,#1'&,#'"#";,-1#1+%F,(('-36#"0;;/+1'-3#15,#W'.,+"#%-.#7'15#?%&'():#B5,)#5%F,#17/#"/-"#X'95%,(6#%#&,95%-'9%(#,-3'-,,+#?/+#K+%-.1#%-.#X%115,7#"10.)'-3#%,+/";%9,#,-3'-,,+'-3#'-#A11%7%:

!"#/?#\%-0%+)#<=4M6#R%+(%#5%"#"1,;;,.#./7-#%"#$'-%-9'%(#!.&'-'"1+%1/+:#T5,#7'"5,"#15,#$/0-.%1'/-#3+,%1#"099,""#%-.#,-9/0+%3,"#;,/;(,#1/#9/-1'-0,#1/#5,(;#15,#$/0-.%1'/-#mK0'(.6#]'F,#%-.#Y,%.^Y%)'-3#R/+-,+"1/-,"#?/+#15,#$010+,n

+,"##B*'S/1E,+#7%"#2/+-#%-.#+%'",.#'-#Y%-3,-20+3:#T5,#'"#,-c/)'-3#5,+#+,1'+,&,-16#"5,#7/+8,.#%"#%#;%+1-,+#7'15#5,+#50"2%-.#P%++,-#?/+#<N#),%+"#/7-'-3#%-.#/;,+%1'-3#P%+Q%(,#Jb0';&,-1:#T5,#'"#%#;%+1-,+#7'15#5,+#

%-.#]'?1":#T5,#,-c/)"#";,-.'-3#1'&,#7'15#5,+#?%&'()6#%-.#?+',-.":#T5,#'"#;+/0.#/?#5,+#9/&&0-'1)#%-.#'"#,G9'1,.#1/#2,#%#;%+1#/?#$%&'()#*#$+',-."#$/0-.%1'/-#%"#D+/3+%&#!.&'-'"1+%1/+#%-.#1/#2,##%#;%+1#/?#%#.'??,+,-9,#15%1#15,#$/0-.%1'/-#'"#&%8'-3#'-#/0+#9/&&0-'1',"k

2)*3$%&'-)&+-/+*4'5+'6"%'6/"%&+'."*'7)*+'8$9+,'-/"%'5+'6)18:'+9+*':)')%')1*')5%;

<=/+'-*1+'7+"%$%&').'8$.+'$,'-)'>8"%-'"'-*++4'1%:+*'5/),+',/":+'#)1':)'%)-'+?>+6-'-)',$-@''A B ! C D A ' E B A F B G C D A

Page 12: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

!*

9"$"#-*'5D'4,"'>5-#)'.".?"#3',-$"'3,-#")'4,"%#'05.."&43'5&'4,"'05&0"E4'5D'<#=$'>($-(8,%?#%3'F'F'F

B5,#15,&,#D%)'-3#'1#$/+7%+.#&,%-"#%#-0&2,+#/?#.'??,+,-1#;/""'2'('1',"#1/#&,#75,-#.'"90""'-3#/0+#9/&&0-'1):#$'+"1#@#,-c/)#7/+8'-3#7'15#15,#9/-9,;1#/?#"0;;/+1'-3#9/&&0-'1)#2)#2,'-3#'-F/(F,.#'-#15,#?/0-.%1'/-6#75'95#5%"#2,,-#.,F,(/;,.#1/#"0;;/+1#/0+#9/&&0-'1',"#-/7#%-.#?%+#'-1/#15,#?010+,:#Q,F,(/;'-3#%-.#3+/7'-3#?0-."#?/+#,%95#9/&&0-'1)#7'((#2,#15,#2%",#1/#%#15+'F'-3#;+/3+%&#/+',-1,.#1/#5,%(15#9%+,6#",-'/+"6#95'(.+,-6#%+1"6#90(10+,6#";/+1"#;(0"#&%-)#&/+,:

T,9/-.()#15,#%2'('1)#/?#"0;;/+1'-3#15,#9/&&0-'1)#?0-."#15+/035#./-%1'/-"#.0+'-3#)/0+#7/+8'-3#),%+"#,F,-#7'15#%#"&%((#9/-1+'201'/-#%--0%(()#&0(1';(,"#&%-)#1'&,"#%-.#9%-#2,#%#F,+)#3+%1'?)'-3:

B5'+.()#(,3%9',"#9%-#2,#?/+&0(%1,.#2)#;(%--'-3#'-1/#15,#?010+,#2)#'-9(0.'-3#15,#?/0-.%1'/-#'-#%-#,"1%1,#,'15,+#2)#;+/F'.'-3#15+/035#%#('?,#'-"0+%-9,#;/('9)#/+#%-#,"1%1,#9/-1+'201'/-#15+/035#)/0+#7'((#1/7%+.#?0-."#'-#15,#?/0-.%1'/-:

B5'"#'-#&)#&'-.#'"#mD%)'-3#'1#$/+7%+.f#15+/035#F/(0-1,,+'-3#1/.%)#1/#20'(.#?0-."#%-.#;+/F'.,#"0;;/+1:#K)#9/-1+'201'-3#-/7#%-.#;+/F'.'-3#%-#/;;/+10-'1)#1/#9+,%1,#%#(,3%9)#)/0#7'((#"0;;/+1#15,#?/0-.%1'/-#%-.#/0+#9/&&0-'1)#?/+,F,+:

<-##"&'(54G"#

1/#/0+#9/&&0-'1',":#!"#./-%1'/-"#5,(;#1/#3+/7#15,#?0-."#,%95#),%+#@#15'-8#?/+7%+.#/?#15,#.'??,+,-9,#15%1#7'((#&%8,:#@&%3'-,#'-#3,-,+%1'/-"#1/#9/&,6#75,-#%((#;+/3+%&"#.,;,-.'-3#/-#?0-.'-3#%+,#1+'&&,.#75%1#d=#&'(('/-#./((%+"#3,-,+%1'-3#<==#15/0"%-.#,%95#),%+#7/0(.#./#?/+#/0+#9/&&0-'1',"k#$'-'"5'-3#"1+/-3#2,3'-"#7'15#"1%+1'-3e::#@#%&#9,+1%'-#%"#./-/+"#

m#D%)#'1#$/+7%+.n#,%95#),%+#15%1#&)#.+,%&"#9/0(.#2,9/&,#%#+,%('1)#

!"#$%&'("&)"*

D%)#'1#?/+7%+.#7'15#%#./-%1'/-#1/#15,#$%&'()#*#$+',-."#$/0-.%1'/-:#K)#./-%1'-3#1/#%#?0-.#7'15'-#15,#$%&'()#*#$+',-."#$/0-.%1'/-#)/0#%+,#m;%)'-3#'1#?/+7%+.n#?/+#),%+"#1/#9/&,:

V/0#%+,#;%)'-3#'1#?/+7%+.#1/#/0+#9/&&0-'1',"#1/#5,(;#20'(.#;(%)3+/0-."#?/+#/0+#95'(.+,-6#,b0';&,-1#'-#/0+#9%+,#5/&,6#-,7#"/99,+#%-.#5/98,)#c,+",)"#?/+#/0+#95'(.+,-6#15,+,#%+,#"/#&%-)#7%)"#1/#;%)#'1#?/+7%+.#7'15#%#./-%1'/-:#J%95#),%+#%#-0&2,+#/?#3+%-1"#%+,#%7%+.,.#1/#.'??,+,-1#/+3%-'E%1'/-"#7'15'-#/0+#9/&&0-'1',":

T0;;/+1#15,#?/0-.%1'/-#2)#&%8'-3#%#./-%1'/-#1/.%)#%-.#m#D%)'-3#'1#$/+7%+.n

>-#?'="0H"#

Page 13: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

!!

@-#%#.'"9/--,91,.#7/+(.6#;%)'-3#'1#?/+7%+.#%((/7"#0"#1/#2,9/&,#%#('11(,#9(/",+:##A0+#%91'/-"#1/.%)#'&;%91#15,#;,/;(,#%+/0-.#0":##D%)'-3#'1#?/+7%+.#'"#15,#"'&;(,#%91#/?#./'-3#"/&,15'-3#-'9,#?/+#"/&,/-,#,(",#7'15/01#15,#7/++)#%2/01#'?6#75,-6#/+#5/7#'1#7'((#2,#;%'.#2%98:##@-"1,%.6#;%)'-3#'1#?/+7%+.#'"#./'-3#15'-3"#?/+#15,#+'351#+,%"/-l#'1#'"#%2/01#./'-3#"/&,15'-3#-'9,#?/+#/15,+"#7'15#-/#"1+'-3"#%11%95,.:##A-,#"&%((#%91#9%-#5%F,#%#503,#'&;%91#/-#&%-)#/15,+":

B5,#$$$#'"#2%",.#/-#15,#;%)#'1#?/+7%+.#;+'-9';(,:#V/0+#./-%1'/-"#1/.%)#%+,#;01#'-#1+0"1#%-.#15,#%--0%(#'-1,+,"1#'"#3+%-1,.#/01#1/#'&;+/F,#15,#15+,,#(/9%(#9/&&0-'1',"#/?#R50+952+'.3,6#Y%-3,-20+36#%-.#T;)#Z'((:##JF,+)#),%+#15,#'-1,+,"1#?+/&#)/0+#./-%1'/-"#"0;;/+1#(/9%(#;+/c,91"l#5,(;'-3#;,/;(,#)/0#8-/7#%-.#%("/#5,(;'-3#;,/;(,#)/0#./#-/1#8-/7:##T'-9,#<==>6#15,#$$$#5%"#2,,-#%2(,#1/#3+%-1#/F,+#LHO=6===#1/#(/9%(#95%+'1',":##R/-"'.,+#15,#'&;%91l#/F,+#LHO=6===#./((%+"#5%F,#2,,-#(/9%(()#3+%-1,.#/01#'-#/-()#4=#),%+"k##D,/;(,#/?#%((#%3,"o'-?%-1"#1/#",-'/+"o5%F,#

%+,-%"6#90+('-3#+'-8"6#15,#Y%-3,-20+3#R%+,#5/&,6#('2+%+',"6#;//("6#%-.#9/&&0-'1)#5%(("6#c0"1#1/#-%&,#%#?,7:#

!"#7,#(//8#1/#15,#?010+,#/?#15,#9/&&0-'1',"#/?#Y%-3,-20+36#R50+952+'.3,6#%-.#T;)#Z'((6#(,1#0"#9/-1'-0,#1/#9/&,#1/3,15,+6#1/#;%)#'1#?/+7%+.6#%-.#8,,;#15,&#%"#%#2,11,+#;(%9,#1/#('F,k

I"$F'@"DD'=A*

7,+,#%2(,#1/#;+/F'.,#7'15#-,7#,b0';&,-1#%-.#0;.%1,"#1/#15,#R%+,#Z/&,#'-#Y%-3,-20+3:#B5,#

(,%F,#%#(%"1'-3#(,3%9)#'-#/0+#9/&&0-'1',"#2)#./-%1'-3#1/#15,#F%+'/0"#$$$#?0-.":

@A)B'1%"3"*"#

.,,.#+,;%)'-3#'1#1/#/15,+"#'-"1,%.#/?#15,#/+'3'-%(#2,-,?%91/+:

P5,-#@#7%"#%#"'-3(,#&/&#*#.'+1#;//+#15,+,#7,+,#&%-)#1'&,"#/15,+"#7,+,#F,+)#3,-,+/0"#1/#&,e#3%F,#&,#%#9%+^#%-#/(.#2,%1,+#201#'1#3/1#&,#75,+,#@#-,,.,.#1/#3/e#%#9/0;(,#/?#2%3"#/?#3+/9,+',"#/-#&)#.//+#"1,;#75,-#@#9%&,#5/&,#?+/&#950+95e#/+#/-9,#75,-#@#7%"#'-#950+95#@#?/0-.#%-#,-F,(/;,#1098,.#/-#15,#20(('1,-#2/%+.#7'15#&)#-%&,#/-#'1^#-/#-/1,#c0"1#L4==:==#2'((:#B5,",#%91"#&%.,#%#&%""'F,#.'??,+,-9,#'-#&)#7/+(.#*#&/+,#'&;/+1%-1()#'-#&)#5,%+1e#'-#&)#2,(',?#15%1#;,/;(,#%+,#'-5,+,-1()#3//.:

`/76#&)#('?,#'"#.'??,+,-1#*#75,-#@#3'F,#%#./-%1'/-#1/#K+,%"1#R%-9,+#J.09%1'/-#*#!7%+,-,""#$0-.#'-#&)#.,%+#?+',-."#&,&/+)6#-/1#/-()#./#@#8-/7#'1#7'((#&%8,#"/&,/-,#,(",f"#(/%.#%#('11(,#('351,+#./7-#15,#+/%.e#201#@#?,,(#9(/",+#1/#5,+#%"#7,((:

X%-)#/?#15,#1'&,"#75,-#@#7%"#2(,"",.#7'15#15,#3,-,+/"'1)#*#8'-.-,""#/?#"/&,/-,#%-/-)&/0"#@#9/0(.-f1#"%)#15%-8"#%-.#@#9/0(.-f1#;%)#'1#2%98e#201#1/.%)#@#9%-#;%)#'1#?/+7%+.#7'15#,F,+)#./-%1'/-#1/#15,#$%&'()#*#$+',-."#R/&&0-'1)#$/0-.%1'/-e:#p9%0",#'1#1+0()#'"#%#3'?1#15%1#8,,;"#/-#3'F'-3e:#B5%1#8,,;"#mD%)'-3#'1#$/+7%+.:n

+,-#'9*-7"#

Page 14: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

!"

D%)#'1#?/+7%+.6#%#"'&;(,#'.,%6#201#%-#'.,%#15%1#9%-#%99/&;('"5#"/#&095:##B5,#$%&'()#%-.#$+',-."#$/0-.%1'/-#"1+'F,#1/#;+/F'.,#;,/;(,#7'15#%#9/-F,-',-1#7%)#1/#;%)#'1#?/+7%+.:##JF,+)#./((%+#15%1#'"#./-%1,.#1/#15,#$%&'()#%-.#$+',-."#$/0-.%1'/-#"1%)"#'-#/0+#9/&&0-'1',":##B5,",#./-%1'/-"#

3,-,+/"'1)#/?#;,/;(,#c0"1#('8,#)/0:##JF,+)#./-%1'/-6#2'3#%-.#"&%((6#5,(;"#?0-.#15,#%&%E'-3#9/&&0-'1)#'-'1'%1'F,"#15%1#%+,#3/'-3#/-#'-#/0+#9/&&0-'1',":##P5)#-/1#3'F,#15'"#),%+q#R/-1'-0,#1/#;%)#'1#?/+7%+.:###

CB#"*'C,5#E"

B5,#$%&'()#%-.#$+',-."#R/&&0-'1)#$/0-.%1'/-#2/%+.#'"#;(,%",.#1/#7,(9/&,#T5,++)#B%(&%-#75/#7'((#%""0&,#.01',"#/?#$'-%-9'%(#!.&'-'"1+%1/+#<=4M:

T5,++)#3+,7#0;#'-#Y%-3,-20+3#%-.#3+%.0%1,.#?+/&#YZT#'-#4NHM:#T5,#+,9,'F,.#5,+#K0"'-,""#!.&'-#.';(/&%#?+/&#!RR#'-#K+%-./-6#XK#75,+,#"5,#&,1#5,+#50"2%-.#R(%+%-9,#B%(&%-:#T5,#

<=4<#1/#2,#9(/",#1/#?%&'():##T5,++)#%11%'-,.#5,+#ZKR/&&#?+/&#Y%0+,-1'%-#_-'F,+"'1)#'-#<==O#%-.#

T5,#'"#90++,-1()#,&;(/),.#%1#T,-"0"#D%+1-,+"5';#/?#R5%+1,+,.#!99/0-1%-1"#'-#W0"",((6#X%-'1/2%#%-.#5,+#50"2%-.#R(%+%-9,#'"#15,#Z/&,#%-.#!3+/#&%-%3,+#%1#15,#R50+952+'.3,#R/^/;:#T5,++)#*#R(%+,-9,#5%F,#/-,#"/-6#S',?6#75/#'"#-/7#<4:

T5,++)#5%"#F/(0-1,,+,.#7'15#&%-)#3+/0;"#/F,+#15,#),%+"6#-/1%2()#15,#X,('1%#S'-,11,"6#15,#X,('1%#_-'1,.#R50+956#%-.#90++,-1()#15,#Y%-3,-20+3#Y'/-,""#R(02:

Page 15: familyandfriendsfoundation.comfamilyandfriendsfoundation.com/reports/Annual Report 2013.pdfvvvvvvvvvvvvv' ''''' vvvvvvvvvvvv' q24s2q27265'4\]'6wx27y' ' 89:>;>:>' 89:9=;:

! " # $ %& ' ( ' ! ) $ * + , - ' . / # # 0 + $ 1 & ' ! / 0 + , " 1 $ / + ' " + + 0 " % ' ) * 2 / ) 1

!#

40I'>B9A'

'CDE*'*1'2"AD#F'G'2HD&$4/'I1AA3$D*F'213$4"*D1$'

J"D#'*1'!1K'>,,'8"$L&$M3HL9(N''(,7'+7,''

D%*"-*'"33*M1'1G*'*+3%/-*,',/+"1$/+'"+,'$+E*-1'$1'$+'M*)M*10$1&'K#$+$#0#'9B'&*")-N'F$1G'1G*'$+1*)*-1'I*+*)"1*,'1/'U*'0-*,'`/)'3G")$1"U%*'3"0-*-e''D%*"-*'"%%/3"1*'#&',/+"1$/+'"-'`/%%/F-f''' 'X+,*-$I+"1*,'!0+,'`/)'T*+*)"%'.G")$1"U%*'D0)M/-*-'

'' '.G0)3GU)$,I*'./##0+$1&'' 'Q"+I*+U0)I'./##0+$1&'' '5M&'H$%%'./##0+$1&'

'' '' 'S*)*-$+"'.*#1*)&' ' ' ' ' '5M&'H$%%'.*#*1*)&' '' '51e'D"0%'^")3GF*%%'.*#*1*)&' ' ' 'S*1G*%'.*#*1*)&'' '2+I%*-$,*''.*#*1*)&' ' ' ' '7G$+IE"%%"'.*#*1*)&'' 'Q"+,-G011'.*#*1*)&' ' ' ' '51'D"0% 'Q"+I*+U0)I'.*#*1*)&'

' ' ' ' ' '.G0)3GU)$,I*'.*#*1*)&' ''.G)$-1'Q01G*)"+'.*#*1*)&' ' ' ' 'H/``*+1G"%'.*#*1*)&'

''S*)+$3*'D/M$3J'^*#/)$"%'!0+,' ' ' 'b*%%&'O*$1*+U"3G'^*#/)$"%'!0+,' ''a"&+*'^0+,'^*#/)$"%'!0+,'' ' ' 'S)*"-1'."+3*)'4F")*+*--'('6,03"1$/+'!0+,''H*"%1G'!0+,'' ' ' ' ' 'Q$11%*'O*,'.")'!0+,'`'/)'.G$%,)*+''!)$*+,-'/`'1G*'Q"+I*+U0)I'53G//%-' ' '4)1-'!0+,' ' ' ' '

' 'T*/)I*'Q"&G'7G*"1)*'!0+,' ' ' '.G0)3GU)$,I*'T)",'Q*I"3&'!0+,' '' 'a"%1*)'('c*)"'!$*-*%*)'!0+,' ' ' '7)*+1'!$*-*%*)'^*#/)$"%'!0+,' '' 'Q"+g*+U0)I']"&3")*' ' ' ' 'O/&"%'."+",$"+'Q*I$/+'h>;B' '' 'Q"+I*+U0)I'H*"%1G'('D"%%$"1$E*'

'!)$*+,-'/`'Q"+I*+U0)I'53G//%['53G/%")-G$M'!0+,''

6O'D%*"-*'"%%/3"1*,'1G*'*+3%/-*,',/+"1$/+'1/'1G*'`/%%/F$+I'`%/F'1G)/0IG'"33/0+1f'

''D"%%$"1$E*'.")*'!%/F'7G)/0IG' ' ' 'D")1+*)-'$+'H*"%1G'!%/F'7G)/0IG''.G0)3GU)$,I*'^"+/)'!0+,'

''4#/0+1'/`']/+"1$/+f' 8VVVVVVVVVVVVVVVV''2+'^*#/)&'/`fVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV''\"#*'('4,,)*--'/`']/+/)f''''''6#"$%'4,,)*--VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV''']"1*,' VVVVVVVVVVVV:>BVV' ' ' ' VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV''\/1*f'/+%&'1G/-*',/+"1$/+-'*g0"%'1/'/)'I)*"1*)'1G"+'8>BeBB'F$%%'U*'$--0*,')*3*$M1-e'PPPQE"AD#F"$4EHD&$4/E13$4"*D1$Q%1A'