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JUNE | EU.MELALEUCA.COM 15 While there are thousands of Peak Performance Pack stories out there, the

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Leadership in Action - English - 201904

APRIL / MAY / JUNE 2019

IN ACTION

| B U I L D I N G Y O U R B U S I N E S S |

Living Life on Your Own Terms True Freedom Is Financial Freedom

eu.melaleuca.com

E N H A N C I N G T H E L I V E S O F T H O S E W E T O U C H

Many people avoid the experi- ence of taking a self-assessment; perhaps they feel it would be too painful or they worry they will not like what they see or that it might be too late to change. To go through life without taking a look at the map might give us a sense of security: “If I don’t look at the map, I won’t know how lost I really am.” But such an attitude means we will also never end up where we want to end up. The other attitude – “I just can’t get there from here” – is also very likely untrue. We can almost always get there from here; we just have to be willing to pay the price. And the price is almost always making a change inside ourselves. Procrastination is the greatest enemy of success. The idea that we can always do it tomorrow keeps us from ever getting started. Tomor- row never comes! If you want to do it, do it today! Now is the time! Take a look at your map! Do not delay any longer. To wait any lon- ger is wasting your life. Push the button. Flip the switch. Get on track with your life today!

Getting on Track with Life

A MESSAGE FROM CEO FRANK VANDERSLOOT

Life does not wait for us! It contin- ues to go on whether we are ready for it or not. Our bodies get older… our children grow up…birthdays go by…time goes on. We cannot stop it – in fact, the older we get, the faster time seems to go. Time is our most precious com- modity because it is the stuff life is made of. To waste time is to waste life itself. While I’m quite positive that there will be a life after this life, I’m not really sure what it will be like. And I don’t believe we can count on being able to catch up in “the next life” with everything we wanted to do in this life. To me, that means we need to be really careful with how we use our time here and now. One of the greatest tragedies I can imagine would be for someone to come to the end of their life and realize that they had not accomplished the purpose for which they were born. I cannot imagine a worse hell than that! Once our time is used up, there is no way to get it back; there is no way to redo or relive the time that

we have spent. We can change before it is too late, but we cannot go back. What a wonderful time to be alive on this earth! Our lives are so much better than if we would have lived just 100 or 200 years ago; we have so much more opportunity than those who lived then. Life is more convenient and more pleas- ant. We live in this great age of jet travel, television, electric heat, microwaves, the Internet, and mos- quito repellent. The opportunities of what we can do with our lives are boundless. I believe that access to these opportunities gives us more responsibility than those who have lived decades or centuries before us. I can’t think of a more won- derful time to live. I really want to make the best of it! We have all experienced key moments in our lives when we have given ourselves a wake-up call and decided to get pieces of our lives back on track. Those are great moments! Without them we could wander great distances from the

road we want to be on without even realizing we are off the pavement. The wonderful thing about these moments of redirection is that no matter how far off track we have gotten, we usually do not have to take time traveling back to our desired road. All we have to do is press the button inside our souls, decide to get back on track, and start out immediately in that direc- tion. And although we can also eas- ily get off track again just as fast, we can stay on track with our lives if we have some method of contin- ual self-assessment.

When we assess our lives and determine things are not how we would like them to be, we have a choice: we can blame everyone else, lament our circumstances, and wish everyone else would change; or we can take charge of the only thing that we really have control of – ourselves – and decide to change what we do and who we are. As long as our motivation for that change is love for others and a desire to do good, rather than anger and vindictiveness, we can accomplish great things, and we can experience dramatic changes in our lives.

Sincerely,

“As long as our motivation for change is love for others and a desire to do good, we can accomplish great things.”

@FLVanderSloot

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L L E A D E R S H I P I N A C T I O N CONTENTS

A P R I L / MAY / J UNE 2 0 1 9

CONSISTENCY IS THE KEY

The Value of Wealth!

Thorsten Kilb General Manager

Let me start with thanking you all for spreading the message of Wellness to everyone you know. I am happy to see that all of you are enhancing so many new lives every month. I encourage you to keep following the mission statement. Doing this will truly enable you to build a business to last a lifetime. The growth that we are experiencing as a company is amazing and I enjoy watching so many of your individual businesses grow as well. We, at Melaleuca, are proud to stand behind you and support you as you build your business. Each and every one of you is important to us. Every customer and every Marketing Executive. Know that you have a whole host of professionals that stand behind you who also focus on consistency to support you. We consistently provide world class service, pay commissions on time every month, and provide you with new tools and amazing products. All of this allows you to feel confident in being a Melaleuca customer and in sharing Melaleuca with others. We recently held our European Conference in Gniewino, Poland. We saw amazing attendance at this event and all in attendance enjoyed great trainings, inspiring messages, and some great announcements on new products and tools. The new product Revive Fabric Freshener and Wrinkle Relaxer, was added to the already amazing Revive line up. We also added White Tea and Ginger scented Body Wash and Body Lotion to our permanent Sun Valley line. Mountain Cabin Hidden Farms Edition Coffee takes you to the areas in some of the most distant corners of the planet where small communities have discovered soil which is ideal for producing the most premium coffee bean. We are pleased to offer Melaleuca customers this first installment of Mountain Cabin Hidden Farms Edition Coffee: Thailand. Additionally, we recently provided a new digitalised version of the “Which Products Do You Use?” form. This tool will help your customers discover how easy it is to meet their monthly commitment by simply switching stores and filling their homes with products that are safer for them and their families. We are really excited about this new tool and how it can help you and your customers. Melaleuca Europe started 2019 with great momentum that has continued throughout the past several months. I appreciate your efforts and hard work and look forward to this momentum continuing in 2019 and watching each of you have continued success through your consistent activities to enhance lives.

10

STORIES: ACHIEVEMENT LEADERS ............................. 6 TAKING YOU AND YOUR BUSINESS TO THE PEAK ............................ 18 THE GO-TO GUIDE ............................................ 26 RECOGNITION ....................................................... 32

Yours sincerely,

SUCCESS STORY Senior Directors

EUROPEAN CONFERENCE 2019

INTERNATIONAL PRESIDENT’S CLUB

Regina Markevic & Viktor Heidebrecht

PAGE 7

PAGE 25

PAGE 30

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ADVANCEMENTS SENIOR DIRECTORS 2 NEW

Melaleuca presents EUROPEAN

Regina Markevic & Viktor Heidebrecht United Kingdom

it required a great deal of resale and large investment to qualify for compensation every month. That is one of the biggest differences at Melaleuca. There is no resale, there is no investments and everyone can win! Other companies wanted Regina just to sell their products as much as possible and it was just not motivating. Now, when others ask her about her Melaleuca business, her response is, “If you are willing to work hard and do the right activities, you’ll see others’ lives change and yours will change in the process. With Melaleuca the ones who work are the ones who earn and succeed. It takes some decision making and effort but it will be worth it”. In their life before Melaleuca, they managed with their finances well. They both work and Regina says that Viktor was always supportive and they worked together. One of her greatest memories was their first check. They saw their first Business Report, and Viktor questioned if Melaleuca would actually send 600 Euro to their bank account? Of course Melaleuca did, and they are amazed that this happens on time every single month without question. They recently celebrated their largest check 3 764 Euro. Their Melaleuca business has also allowed Viktor and Regina to do something they never thought they could do. They were able to pay off one car completely in just 10 Months and buy another when they reached Senior Director Status. In February, Regina and Viktor bought a brand new KIA Sportage. They are looking forward to this new chapter in their lives because of Melaleuca they can achieve more financial security. They can afford to help their children when they need it, and look forward to reaching their ultimate goal of building a home. Regina’s advice to new potential Business builders is, “I know that sometimes in the first presentation you feel that maybe this is too good to be true. You may question whether you can do this. I tell you, you can! Everybody can, you just need to let go of fear and take action. This is a great opportunity that we can offer, so don’t be afraid to take a chance. It will be worth it!

ACHIEVEMENT LEADERS The European Achievement Leaders are those businesses with the highest contribution index. The contribution index is the product of the net increase in their Organisational Preferred Customers during the prior 60 days, multiplied by the number of each leader’s personally enroled Directors, plus their number of personally enroled customers. Membership of this elite group is reviewed bi-monthly. In order to be recognised as a member of this team, leaders must submit a picture to Melaleuca.

Regina Markevic & Viktor Heidebrecht have never been afraid of hard work. Prior to enroling with Melaleuca, they spent 25 years working in network marketing. When they sat down for a Melaleuca Overview, they knew Melaleuca was different. All that Melaleuca had to offer seemed almost unbelievable, however, they both believe it now. For Regina now is a time in life when she feels that this is her place to be. She cannot imagine working somewhere else. This is not only about achieving their financial goals and being fiscally responsible, but what Regina enjoys the most is the contacts, friends, new families she gets to meet in the process. Those new relationships that she has built over time have become a part of her family. In the other industries that she worked in before, she never felt close to her team. It was all about money and how fast you can earn it. It was about selling stuff, and constantly trying to move as much product as she could. Her life is different now; she appreciates the fact that she can offer a way to help others change their life. Regina can’t help but think of all the people who she can help through Melaleuca. Regina says, “Melaleuca is different beyond belief.” The difference she has experienced from previous companies is astounding. She explains that although she earned some money with them,

Olga Apanaviciene Executive Director 4 United Kingdom

Valerija Raupiene & Dainius Raupys Executive Directors 3 Germany

Regina Markevic & Viktor Heidebrecht Senior Directors 2 United Kingdom

TOTAL CUSTOMERS IN ORGANISATION: 519

Katarzyna & Marek Dziura Executive Directors 7 Poland

Birute & Robertas Januskevicius Senior Directors United Kingdom

Violeta Taraseviciene

Director 7 Germany

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Results vary. For typical results, please consult the Annual Income Statistics

MOUNTAIN CABIN PREMIUM COFFEE – HIDDEN FARMS EDITIONS

L I M I T E D T I M E O N LY !

Mountain Cabin Premium Coffee is a collection of single origin coffees and coffee blends, each selected for its deep, complex flavours and delightful aromas. We source our 100% Arabica beans from renowned coffee regions around the world, masterfully roasting them in small batches to give you a world-class coffee experience in every cup. In the coming months, Mountain Cabin Premium Coffee will introduce a series of limited-time coffees – each with our exclusive Hidden Farms Edition label. With Hidden Farms Edition coffees, you’ll journey to some of the most isolated corners of the globe, where communities have long used their native soil, elevation, and weather to cultivate unique, premium coffee beans. Their farms are small and sustainable, each a reflection of rich, diverse local cultures. The harvests are produced through simple, traditional growing methods. Each Hidden Farms Edition coffee is organic – and only available in small quantities. Hidden Farms Edition coffees will only be available in whole bean, 1 kg bags, and only while supplies last! We are proud to introduce the first Hidden Farms Edition coffee: Thailand. This 100% Arabica coffee is grown at 1 300–1 500 meters above sea level in the northern mountain village of Pang Khon, a small community of just 70 households. Decades ago, the king of Thailand initiated a development program to support coffee farming in the country’s northern regions. For generations since, Pang Khon families have combined their efforts and honed their expertise to produce some of the finest coffee in the world. Almost everyone in Pang Khon participates in harvesting and preparing the precious beans. After hand selecting each coffee cherry, villagers use simple methods – from sun drying to artisanal drum roasting – to reduce unwanted acids and irritants. The result is an aromatic coffee with superior consistency and quality. We are pleased to offer, exclusively to Melaleuca customers, this first installment of our Hidden Farms Edition coffees. Each Hidden Farms coffee meets the Mountain Cabin Premium Coffee pledge: Fresh, Flavorful, and Fairly Sourced. Look for more Hidden Farms Edition announcements soon!

NEW as of April:

Thailand HIDDEN FARMS EDI T ION: 100% Arabica

1 kg bag

Grown at an elevation of 1 300 – 1 500 metres, villagers hand select each coffee cherry, using simple methods to prepare each Arabica bean resulting in an aromatic coffee with superior consistency and quality. Origin: Pang Khon, Northern mountain area of Thailand Flavour: Expressive fragrance, elegant, full bodied Intensity: 4/5

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FINANCIAL FREEDOM

T H E VA L U E O F WEALTH

Live life on your terms. That’s something you hear Melaleuca Marketing Executives talk about a lot. Hopefully it’s something you think about. What would a life like that look like?

That kind of freedom – to live life on your own terms – is the stuff of dreams. It’s in the very fabric of our society. It’s the engine behind entrepreneurship. It is the true American dream. And Melaleuca can help you get there.

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FINANCIAL FREEDOM

A MOVING TARGET Who hasn’t dreamed of being rich? We all have. But what does “rich” even mean? How much money would you have to have to be rich? A six figure annual income? Half a million dollars in the bank? What about five million dollars?

$62,000 in debt, we didn’t own our home, and our car belonged to the bank,” says Corporate Director 8 Rafael Rojas. “I remember paying off $5,000 in credit card debt with one of our first Melaleuca checks. For years we’d made minimum payments, and the balance never seemed to get any smaller. The day we completely paid off that card, I felt like somebody had removed a chain from around my neck.” Two and a half years later, they paid off their mortgage and became financially free. “Now when I walk around my house or go out into the yard and watch my girls play, I think to myself, ‘Thanks to God and Melaleuca, all of this is mine and no bank can ever take it away from me,’” Rafael says. Executive Directors 9 and 2017 Marketing Executives of the Year Krista and Jordan Wineinger vividly remember the oppression they felt living paycheck to paycheck. “It was the same thing over and over,” Krista remembers. “We don’t have money. Don’t spend money until next week, the bills are coming out, and we don’t get paid until Friday. That lifestyle, the stress it puts on a relationship – it’s maddening.” They enrolled with Melaleuca, hoping to bring in a just a few hundred dollars extra a month to help them get a little bit ahead. In 2016, they paid off everything but their mortgage to the tune of $106,000. They are currently maxing out contributions to their retirement accounts and their two sons’ college savings accounts. Then they’ll wipe out their mortgage. “Melaleuca has changed my economic system,” Krista says. “I used to care so much about my credit score. But all that a credit score does is tell banks how good you are at borrowing money. Now we pay for things in cash and spend our money the right way. I never thought that way before Melaleuca.”

WELLNESS ANDWEALTH Paying down your debts and increasing cash flow are fundamentals of becoming debt-free. What would that entail for you? Clipping coupons and spending Saturday afternoons driving around to save a dollar? Picking up shift work at $9 an hour, using twice as much gas, paying for childcare or giving up your free time with your family? Paying off debt will take sacrifice, but there’s a smarter way. One that makes each hour of your work go further and lets you set your own schedule. Melaleuca is The Wellness Company. That includes financial wellness too. CEO Frank VanderSloot has always championed the principles of financial freedom. Melaleuca is a debt-free company and he encourages Marketing Executives and corporate employees to strive to become debt-free. Melaleuca’s unique business model allows anyone from any background to add an additional stream of income to their cash flow. And since Melaleuca income is residual, it can provide secure income for the rest of your life. The average monthly income for a Director 3 is about $750. A Senior Director can expect about $2,000 a month in residual income. Can you imagine how quickly you’d conquer your debts with reliable checks like those coming in month after month? “When Monica and I enrolled, we had

The golden rule of money management is this: spend less than you make. When you have more money coming in than going out, you have the ability to save, invest, and spend wisely. Ignoring this rule is how people with incredible incomes go bankrupt. Anyone – on any income – can prosper by spending less than they make.

SEVEN SIMPLE STEPS TO FINANCIAL FREEDOM

In 2013, the Union Bank of Switzerland asked investors with $1 to $5 million in investable assets if they considered themselves rich. 1 Seventy-two percent said no. According to a Wall Street Journal report, people tend to label those making twice as much money as they are as rich . Someone who makes $50,000 sees an income of $100,000 as rich. Someone with $5 million puts the threshold at $10 million. Johnny Depp, one of Hollywood’s high- est-paid stars, has made an estimated $650 million in his 17-year career. Who wouldn’t consider him rich? Since he’s $40 million in debt 2 and on the brink of financial ruin, no one who can do basic math would.

Somewhere along the line, happiness became entangled with money.

SAVE

SEEING THROUGH THE ILLUSION We live in a society that is obsessed with money. Specifically, it’s obsessed with the spending of money (this article would be very different if society were as eager to save money). More often than not, this rampant consumption is not paid in full at the time of purchase, but mortgaged against our future selves. Like a siren’s song, credit lures us away from our set course and into places we’d never willingly go. That isn’t wealth by any definition of the word. While what Depp earns and spends is exceptional, his financial woes come from a very average problem: living outside of one’s means. Depp’s multiple houses, his yacht, his chateau in France, his private island in the Bahamas, his Warhol paintings, his 45 luxury automobiles 3 appear to broadcast his supposed financial success. Now that the illusion has crumbled, we see these “assets” for what they truly are. There is no success in living beyond your means.

1. Start an Emergency Fund

2. Reduce Your Expenses

3. Increase Your Income

INVEST

4. Pay Down Debts Using the Snowball Method

5. Pay Off Your Mortgage Early

Being rich, it seems, is a moving target.

6. Save and Invest Monthly

If “rich” is so hard to define, what about “wealth?” The word wealth comes from the Old English root wela , forming related words like welfare, well-being, and wellness. Before taking on connotations of financial riches, wealth referred to one’s happiness!

7. Invest Wisely and Give 10%

SPEND WISELY

1. Brad Tuttle, “What It Means to Be ‘Wealthy’ in America Today.” Time , July 24, 2013. 2. Joanne Kavanaugh, “A Lot of Depp,” The Sun , September 21, 2017. 3. “Johnny Depp’s Ultra-Extravagant Spending Laid Bare in Court,” The Sunday Morning Herald , February 2, 2017.

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FINANCIAL FREEDOM

BE THE CHAMPION In order for your quest for financial free- dom to be successful, there’s something you’ve got to embrace – your worthiness. You need to know that you are worthy of your greatest desires.

True wealth isn’t about accumulating posses- sions or getting giant paychecks. True wealth – happiness – comes from the opportunities and time with your loved ones that money can provide. Money can’t buy happiness, but it can buy you the freedom to live life on your own terms, and what could make you richer than that?

MELALEUCA can help you cultivate an additional stream of income, which can help you get on top of your debts and work toward financial freedom. When you’re financially free, each dollar goes so much further. But the real benefit is having the time and flexibility to do what matters most to you.

If you think you don’t have a problem with how you value yourself, think about your paycheck for a moment. Where does the money go? It goes to the mortgage and the car payment. It goes to Visa and Sallie Mae. It goes to 20% compound interest rates. How much of it goes to you? Do you think that’s fair? You might think that’s not fair, but if you’re making minimum payments without an aggressive plan to get out of debt, then something deep inside approves of this status quo. How you spend your paycheck is aligned with your internal sense of worth. Your intel- ligence. Your passion. Your skills. The time you spend battling traffic five days a week. The hours you miss with your family. Don’t take all that and give it to a jailer. Don’t say, “I am not worth this much. I better only keep half and throw the rest away on debts and interest.” You are worth every penny of your paycheck. You’re worth so much more than even that. Embrace your worth and invest in yourself. Melaleuca can accelerate the tedious process of paying off debt. Grow your business to grow your income stream. Invest in yourself by attending Convention. Build up your skills. Work as hard for yourself as you do for your boss. Squash the status quo. A life of wealth is waiting for you. You don’t need to be a millionaire to experience it.

The fear of success lurks in our subconscious and sabotages our forward momentum. As counterintuitive as it sounds, we fear change. We’d rather hang on to a struggle we are familiar with than chance encountering a new problem. We fear that people will treat us differently. The darkest fear is this: that we will succeed. Because then we’d have to admit that we have always had the power to succeed. We’d have to face the reality that our failure to change before led to years of suffering. The idea of that knowledge is just too terrifying. The fear of success takes root and aims to prove that we are powerless. It convinces you that your heart’s desires are just castles in the air. It accuses you of ris- ing above your station. It makes you feel guilty for your gains, especially when you see others’ struggles. It maintains that if you were strong enough, smart enough, and good enough, you wouldn’t be in this mess. The fear of success tells you that you are where you ought to be. It sells you the biggest lie of all – that you’re not worthy of success. Do not tolerate thoughts like this for a second. Champion your own value! When that knowledge sinks in bone deep, your forward momentum will accelerate.

“Our family went on a cruise to celebrate my daughter graduating high school. Before I started building a Melaleuca business, I would have had to charge the vacation to my credit card and try to figure out a way to pay it off later. But this time I paid for it with cash because of the time and effort I’ve put into building my business. When we got to Cozumel, the kids wanted to go swim with dolphins. Normally I would have been like, ‘Oh no, that’s too expensive. Let’s just go walk around.’ But this time I said, ‘Yeah, we’ve earned this. Let’s go swim with dolphins!’”*  – TAMMY GUILLORY SENIOR DIRECTOR 3

“I worked in real estate and mortgage banking for a long time, but then the housing market crashed. I went from making a six-figure income to basically paying to go to work. At the same time, our oldest son was getting ready to go to college and we needed another stream of income. My husband Paul says he would have been happy if I’d been able to bring in an extra $100 a month. By following the Seven Critical Activities and working diligently over the years, I made enough to be able to pay cash for our son’s entire college education.”*  – ANGIE GANGE EXECUTIVE DIRECTOR 3 “Five years ago I was newly divorced and had two kids in college. The career I’d put my heart and soul into for 20 years was hit by the economy, and I was literally lying awake at night wondering how I was going to pay my bills. Thankfully, my life now is completely different. I have an amazing husband who I love. I have a reliable income with Melaleuca because I committed to work hard and smart and listen to my coaches. I am now debt-free other than my mortgage. My kids live on the East Coast and we live in the West, but I have the income and flexibility to be there for birthdays and holidays or have them here with us. I have so much freedom and peace of mind.”*  – BONNIE WRIGHT EXECUTIVE DIRECTOR 9

*Results vary. For typical results, please consult the Annual Income Statistics.

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NEW PRODUCTS , FLAVOURS , AND LOOKS! The soothing fragrance of white tea, spicy ginger, and fresh citrus brings peace to the senses. This unique formula has ButterSilk, Coconut Oil, and Vitamin E to create a skin-conditioning emollient that moisturises while it cleanses for smooth, delightfully fragrant skin. Dye-free.

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Tour the world with PURE 12 countries in 12 months

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PARABENS FORMALDEHYDE PHTHALATES

NEW Sun Valley Body Wash — White Tea & Ginger •  Coconut Oil: Revered as a skin conditioner, coconut oil adds moisture to your skin, helps it retain moisture, and helps keep it smooth to the touch •  Vitamin E: A highly beneficial antioxidant for your skin, Vitamin E is especially good for helping defend against aging, wrinkles, and other environmental damage •  ButterSilk: With three decadent moisturisers – cocoa butter, mango butter, and shea butter – our proprietary ButterSilk formula helps restore your dehydrated skin, protect it against sun and wind, and provide the moisture it craves

NEW Sun Valley Body Lotion — White Tea & Ginger • Vitamin E, B3, & B5: A highly beneficial antioxidant for your skin, Vitamin E is especially good for helping defend against aging, wrinkles and other environmental damage • Vitamin B3 (Niacin) helps improve skin’s ability to retain moisture, resulting in softer, smoother skin • Vitamin B5 (Pantothenic Acid) helps protect the skin Sun Valley products leave out some inexpensive fragrance boosters and preservatives that many other brands rely on. Phthalates, formaldehyde, and parabens, while cheap and widely used, may also be associated with safety concerns. Sun Valley seeks out and uses effective, more natural alternatives .

Patchouli Now permanently available

Nutmeg Now permanently available Warm, spicy, sweet

Earthy, smoky, spicy, musky

During the World Tour of Oils, PURE will transport you to the exotic corners of the earth and let you experience some of the planet’s most unique and wonderful essential oils.

Start shopping limited-time world tour oils at eu.melaleuca.com

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TAKING YOU AND YOUR BUSINESS TO THE PEAK Sharing the Peak Performance Pack can boost order size, increase retention, and let you enjoy a healthier business. And it’s easier than you think. Melaleuca and its Marketing Executives are on a mission to “enhance lives” by helping others live safer, healthier lives with the means and time to truly enjoy them. The Peak Performance Pack has been proven to help people reach their goals of improved well-being.* Did you know the Peak Performance Pack can also help you reach your business goals?

* These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease.

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PEAK PERFORMANCE: THE KEY TO BUILDING A HEALTHY BUSINESS The numbers don’t lie. Multiple studies show that the Peak Performance Pack can have a profound impact on your well- being. It can also have a tremendous impact on your business. >Page 1 Page 2-3 Page 4-5 Page 6-7 Page 8-9 Page 10-11 Page 12-13 Page 14-15 Page 16-17 Page 18-19 Page 20-21 Page 22-23 Page 24-25 Page 26-27 Page 28-29 Page 30-31 Page 32-33 Page 34-35 Page 36-37 Page 38-39 Page 40

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