EXCHANGE INFORMATION SESSION

Fall 2021 – OVERSEAS

ZOOM ONLINE

ZOOM LOGISTICS

ZOOM IDDate: Nov 19, 2020 @ 6:00PMMeeting ID: 928-8563-9613 (Password: SBM)

================================QUESTIONS DURING SESSION

Use raise hand function in app OR Type in ChatWill read out and answer, time permitting

================================QUESTIONS AFTER SESSION

Formal Q&A at end of sessionUse raise hand function in app OR Type in ChatWill read out and answer, time permitting

TOPICS

Program OverviewPartner OverviewApplication Process OverviewApplication Form Overview

• Online Demo

Language RequirementsUseful TipsExchange Policy RemindersOther Exchange Information

• Credit Transfer• Travel Insurance• Financial Assistance• Buddy Program

Exchange Advising SessionsStudent SharingExchange InquiriesQ & A

Number of Exchange-out Students2019 Fall: 1712020 Spring: 200(*approximate)

Number of Exchange-in Students2019 Fall: 1902020 Spring: Cancelled(*approximate)

PROGRAM OVERVIEW

PROGRAM OVERVIEW

NUMBER OF EXCHANGE PARTNERSby region

North & Latin America 54 (USA, Canada, Mexico)

Europe 51

Oceania 3 (Australia, New Zealand)

Asia 15 (including Russia)

China 14

TOTAL: 137*refer to new exchange website

PARTNER OVERVIEW

Important exchange partner information is posted online in the section:

EXCHANGE CHOICES [link]Exchange Partners ListExchange Fact SheetsExchange Student ReportsExchange Quota & Other NotesPast Student Average CGA [link]

As exchanges are cancelled in 2020-21 due to COVID-19, students should refer to past average CGA from 2019/20 instead.

Course Equivalence Database [link]Credit Transfer Information [link]University Rankings [FT2019] [THE2020]

http://undergrad.bm.ust.hk/exchange/outbound-exchange/exchange-choiceshttp://bmvh52.ust.hk/files/exchange/Past%20Average%20CGA%20for%202019_20.pdfhttps://crtran.ust.hk/credit_instithttp://arr.ust.hk/reg/gd/gd_std_ct/exchange-credit.htmlhttp://rankings.ft.com/businessschoolrankings/rankingshttps://www.timeshighereducation.com/student/best-universities/most-international-universities-world-2018

New Economic School, Russia

The New Economic School is a unique higher education and research institute established in 1992 and located in Moscow, Russia. It is ranked third among Russian Universities according to QS Rankings in Economics and Econometrics. NES is a renowned Russian University with world-class research at the cutting edge of economics with publications in the most prestigious international journals such as Econometrica, Journal of Political Economy and The American Economic Review. The School offers English taught courses in Economics and electives.

New Economic School (NES)

NEW PARTNERS

https://www.nes.ru/?lang=en

University of Toronto, CanadaFounded in 1827, the University of Toronto has evolved into Canada’sleading institution of learning, discovery and knowledge creation. It isone of the world’s top research-intensive universities, driven to inventand innovate.

The Rotman Business School at St. George campus and its coursesARE NOT included in this exchange. Students can take Businesscourses under the MIB program at Scarborough campus andMississauga campus instead.

University of Toronto (UTO)

*Fall Exchange only

NEW PARTNERS

https://www.utoronto.ca/

University of Notre Dame , USAThis university was founded in 1842 and is a private, Catholic researchUniversity located in Indiana, USA and contains a number ofrecognizable landmarks such as the Notre Dame Stadium and Basilica. Itis consistently recognized as one of the top universities in the world,particularly for its undergraduate education, and for its famous athleticfootball team – FIGHTING IRISH.

Students can choose to study courses within the College of Arts andLetters that includes a department of Economics. The MendozaBusiness School and its courses ARE NOT included in this exchange.

Quota: U-level partner, not just for businessCGA Requirements: 3.0 (B)University of Notre Dame du lac (UND)

NEW PARTNERS

https://www.nd.edu/

Selection CriteriaFormula BreakdownInterview FormatApplication PeriodApplication ScheduleApplication & Interview RemindersSpecial Arrangements Clearing RoundDeclining an OfferExamples of Failing

APPLICATION PROCESS OVERVIEW

EligibilityCan exchange ONCE only in the SBM program. Studentswho have not gone on exchange before.

CGA Criteria2.65 or above at the end of Year-2 or Fall 3 semester (Year-3 or Year 4 for DD). Students must meet the minimum CGA to be eligible for interviews.

Selection Criteria

Selection System Automated System.Match applicants based on their total scoring to the first available institution from their ranking list.Subject to host university requirements such as TOEFL/IELTS and any other specified conditions.Scoring is confidential and will not be disclosed.

50% CGA

+ 20% Online Application

+ 30% Interview

100% Total Score

SELECTION CRITERIA

Details on the selection formula [link]

50% CGA

20% Online Application10% - Personal Essay

– Suggestions are to include objectives & motivation for exchange, personal attributes, ability to be an HKUST ambassador, and awareness of other cultures.

10% - Personal DevelopmentLeadership SkillsCommunity Involvement- In point form. Can be HKUST or non-HKUST activities.

30% Interview10% - School Choices

– Suitability and knowledge of chosen institutions20% - Others

– Communication Skills– Interpersonal and Group Interaction Skills– Motivation and demonstrated awareness of other cultures– Personal Attributes/Ability to represent HKUST – Elaboration of Paper Application and Resume

FORMULA BREAKDOWN

http://undergrad.bm.ust.hk/exchange/outbound-exchange/outbond-application-procedures

The interview is usually conducted with:

2 interviewers4 – 5 students in a group30 minutes durationConsists of these 3 parts:

PART ITEM TIME

Part A Self-Introduction thru various topics 1 min/stu

Part B English Communication Skills &Group Interaction

4 min/group

Part C Follow-up Questions for Applicants Varies

INTERVIEW FORMAT

Depending on your program, students can only apply during the APPLICATION PERIODS below.

4Y STUDENTS:

5Y DUAL DEGREE STUDENTS:

EXCHANGE TERM APPLICATION PERIOD

STUDENTS WHO CAN APPLY

3rd Year Fall Exchange Dec – Jan Year-2 students at the end of Fall

3rd Year Spring Exchange May – Jun Year-2 students at the end of Spring

4th Year Fall Exchange Dec – Jan Year-3 students at the end of Fall

EXCHANGE TERM APPLICATION PERIOD

STUDENTS WHO CAN APPLY

4th Year Fall Exchange Dec – Jan Year-3 students at the end of Fall

4th Year Spring Exchange May – Jun Year-3 students at the end of Spring

5th Year Fall Exchange Dec – Jan Year-4 students at the end of Fall

APPLICATION PERIOD

Timeline:

Application Link:https://mystudyabroad.ust.hk

Application Documents: Completed Online Application Form Updated Resume English score reports (if applicable) A digitally signed Application Declaration

Item Date

Application Opening 04 Dec, 2020, 14:00

Application Deadline 8 Jan 2021, 23:59:59

Duration One month + 4 days

Interview Period End Jan – Beg Feb 2021 (TBC)

Release of Results Early March 2021 (TBC)

APPLICATION SCHEDULE

https://www.google.com.hk/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&ved=0ahUKEwjuzuPo3r_XAhVFJJQKHegRBRcQjRwIBw&url=https%3A%2F%2Fwww.flaticon.com%2Ffree-icon%2Fpointing-left_231702&psig=AOvVaw1BfTFZaxsDgWTBWaecdoAW&ust=1510806375870409

REMINDERS

Application Reminder: Deadline: 8 Jan 2021, 23:59:59Late, incomplete, or saved but not submittedapplications without a digitally signed declaration will NOT be accepted after the deadline. Students with any type of application difficulties MUST approach our office before 15:00 (3pm) on 8 Jan, 2021.

Online Interview Reminder:Approximate date End Jan – Beg Feb (TBC) Actual dates depend on when grades are posted in the system. Only students meeting the CGA with completed applications will be short-listed. Interviewed students are not guaranteed exchange. The results depend on applicants’ score ranking, host university requirements, and availability of quota.

https://www.google.com.hk/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&ved=0ahUKEwjuzuPo3r_XAhVFJJQKHegRBRcQjRwIBw&url=https%3A%2F%2Fwww.flaticon.com%2Ffree-icon%2Fpointing-left_231702&psig=AOvVaw1BfTFZaxsDgWTBWaecdoAW&ust=1510806375870409https://www.google.com.hk/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&ved=0ahUKEwjuzuPo3r_XAhVFJJQKHegRBRcQjRwIBw&url=https%3A%2F%2Fwww.flaticon.com%2Ffree-icon%2Fpointing-left_231702&psig=AOvVaw1BfTFZaxsDgWTBWaecdoAW&ust=1510806375870409

COVID-19 ARRANGEMENTS

Physical interviews are changed to ZOOM until further notice. Online format may be subject to minor changes or adjustments as needed. Students must be available for ONLINE interviews or will be disqualified. Interview and results timeline may need adjustments due to extenuating circumstances.

HKUST/SBM has right to make final decisions on any exchange arrangements to accommodate unexpected situations.

By invitation for selected NO OFFER students meeting a minimum score.

Participation is OPTIONAL.

The Clearing Round includes schools that have remaining quota. It will not include schools which students have declined offers.

The penalty for declining offers applies.

CLEARING ROUND

PENALTY:

20% deduction off total scorein all future exchange applications

Also applicable to Mainland exchange and Clearing Round.

There are no waiting list for declined or withdrawn spots. These spots will not be transferred/used in the Clearing Round.

DECLINING AN OFFER

Did not prepare for interviewDid not turn on video or sound in interviewDid not research exchange choices Did not remember reasons for exchange choices Did not diversify or unrealistic exchange choicesDid not choose appropriate schools for major Did not research available courses relevant to major of chosen schools.Did not meet CGA or English requirements of chosen schools Inappropriate interview attire or behavior/attitudePhone ringing in interview (disqualified)

EXAMPLE OF FAILING

The ONLINE APPLICATION FORM has 9 parts:

In the minimum, students must fill in and submit all parts and upload a CV to complete an application.

Part I: Academic Information

Part II: Personal Essay

Part III: Personal Development, Leadership Skills, & Community Involvement

Part IV: Choice of Exchange Institutions

Part V: Joining the Buddy Program

Part VI: Upload CV (required)

Part VII: Passport used for exchange

Part VIII: English Test Score (If needed):1) IELTS2) TOEFL

Declaration Digitally Sign and Submit all parts

APPLICATION FORM OVERVIEW

Application Guide [link]

Online Demo [link]

ONLINE APPLICATION DEMO

https://mystudyabroad.ust.hk/index.cfm?FuseAction=Abroad.ViewLink&Parent_ID=1916E6C7-AD98-BC47-FBDBF412575228E0&Link_ID=82EEA590-EB9A-E343-52D6F08647BBC422https://mystudyabroad.ust.hk/

Print ApplicationCannot view application on system after the deadline. To prepare for the interview and avoid unforeseen technical errors, PRINT a copy after submission.

Submit ApplicationApplications can be worked on and saved within the one-month application period. Saved applications will not be automatically submitted. REMEMBER TO SUBMIT & DIGITALLY SIGNYOUR APPLICATION!!!

SUBMISSION REMINDERS

The English Requirement has been waived for all Schools, except for the following:

*All UK except for University of Strathclyde.

Some schools accept both scores. For the exact scores required, refer to: LANGUAGE REQUIREMENTS [link]

REGION SCORE INSTITUTIONS

UK* IELTS 6.5 – 7.0 • City, University of London• Lancaster University• London School of Economics and

Political Science (IELTS 7.0)• Northumbria University• University of Exeter (IELTS 7.0)• University of Leeds• University of Manchester• University of Sussex• University of Warwick (IELTS 7.0)

IRELANDSCOTLAND

IELTS 6.0 – 6.5 • Trinity College Dublin (IELTS 6.5)• University of Glasgow (IELTS 6.0)

USA TOEFL iBT 80-100 • Carnegie Mellon University• Georgia Institute of Technology• University of Southern California

LANGUAGE REQUIREMENTS

http://undergrad.bm.ust.hk/exchange/outbound-exchange/outbond-application-procedures

NETHERLANDS EXCHANGE

PRC Passport holders or students born in China are required to:

Obtain an NUFFIC certificate to study in the Netherlands

To apply for NUFFIC, students must have TOEFL or IELTS

TOEFL iBT score must be ≥ 80 OR

IELTS score must be ≥ 6.0

Test scores must be valid for at least 8 months after the exchange application

Special CasesSBM will provide Supporting Letter for those universities which require reference outlining your English proficiency in the exchange application.

RemindersEnglish test scores must be valid at least for 8 months after the application process or it will not be accepted.

Valid test scores must be submitted by the deadline. Late submission will not be accepted.

To submit the report before the deadline,Take the relevant ENGLISH TEST IMMEDIATELY

REMINDERS

IDP for IELTS [link] Tel: 2827-6362

Select IELTS (not UKVI)Select ‘Hong Kong’Select ‘Academic’ for the IELTS test module.Application deadline is 2 weeks before the scheduled exam.Results available by mail 2 – 3 weeks after the exam or in 3 – 5 working days at the IDP office for an extra fee.

HKEAA for TOEFL [link]Tel: 3628-8833

HKEAA only provides TOEFL brochures and application forms. Your application will have to be done online.Only Internet-Based exam (iBT).Results available 4 – 7 weeks after the exam.

IELTS/TOEFL INFORMATION

https://www.idp.com/hongkong/ielts?sc_lang=enhttp://www.hkeaa.edu.hk/

SBM COMMUNICATION TUTORS:

Patrick Megan - pmmegan@ust.hkShauna Dalton - shauna@ust.hk

Appointment: bmct@ust.hk

INTERVIEW/WRITING PRACTICE

mailto:pmmegan@ust.hkmailto:shauna@ust.hk

These schools do not have ACCT courses:

Do research and avoid choosing inappropriate schools.

Consider your financial conditions when choosing destinations.

University ACCT Remarks

Brigham Young University X -

Michigan State University X -

Northumbria University X Max 4 courses (one outside business school)

University of California X No ACCT courses except at UCB, UCSD & UCSC

University of Illinois, Urbana-Champaign

X Limit of 2 Bus Admin and 2 FINA courses

Uppsala University X must register for exams for enrolled courses

USEFUL TIPS

ENROLLMENT RESTRICTIONS REMARKSBoston CollegeFINA - No enrollment guarantee for program or graduation requirements

-

National Taiwan University- Spr – College of MGMT only

Fall – ECON dept onlyNew York UniversityOnly 2 ECON allowedOnly 2 FINA allowed

-

Lund UniversityUndergraduate students cannot choose Graduate-level coursesUniversity of Innsbruck

Mainly German CoursesSome are in English

-

Schools with Course/Enrollment Restrictions:

USEFUL TIPS

ENROLLMENT RESTRICTIONS REMARKSUniversity of MannheimOnly 2 courses outside host department allowed

Spr – Business School only Fall – ECON Department only

University of Notre Dame- Study only in College of Arts and

Letters, and max. ONE course under Mendoza Business School

University of Toronto- Fall only

St. George campus NOT available for HKUST exchange

London School of Economics and Political Science- Study only in Department of

ManagementUniversity of WarwickOnly 1 course outside WBS allowed -

Schools with Course/Enrollment Restrictions:

USEFUL TIPS

Partners with SEMESTER CLASH:

Partners with NO QUOTA for Fall 2021*subject to changes.

Carnegie Mellon UniversityCornell UniversityNew York UniversityOhio State University

* Students may need to take leave from study after exchange to these Schools

University Fall* Spring

Kyoto University X Sophia University X Tohoku University X Waseda University X Humboldt University X University of Innsbruck X

* Schools with no quota will not appear on the online application.

USEFUL TIPS

FALL EXCHANGE

ProsLess Competition

ConsFor 3rd year Fall exchange, most students do not know major when applyingThus, difficult to select a school that has credit transferFor 4th year Fall exchange, it is final year, some students prefer to stay in Hong Kong for job recruitment

SPRING EXCHANGE

ProsStudents know first major already when applyingWill have more information for credit transferAllow time for job recruitments in the final year after exchange

ConsPopular semester, more competition

PROS AND CONS

https://www.google.com.hk/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwi0wNK_4r_XAhWFJ5QKHdoKAdwQjRwIBw&url=https%3A%2F%2Fwww.istockphoto.com%2Fhk%2F%25E6%258F%2592%25E5%259C%2596%2Fpros-and-cons&psig=AOvVaw0l_ffsJO4sN5HEEIz0lgGI&ust=1510807441853278https://www.google.com.hk/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwi0wNK_4r_XAhWFJ5QKHdoKAdwQjRwIBw&url=https%3A%2F%2Fwww.istockphoto.com%2Fhk%2F%25E6%258F%2592%25E5%259C%2596%2Fpros-and-cons&psig=AOvVaw0l_ffsJO4sN5HEEIz0lgGI&ust=1510807441853278https://www.google.com.hk/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwi0wNK_4r_XAhWFJ5QKHdoKAdwQjRwIBw&url=https%3A%2F%2Fwww.istockphoto.com%2Fhk%2F%25E6%258F%2592%25E5%259C%2596%2Fpros-and-cons&psig=AOvVaw0l_ffsJO4sN5HEEIz0lgGI&ust=1510807441853278https://www.google.com.hk/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwi0wNK_4r_XAhWFJ5QKHdoKAdwQjRwIBw&url=https%3A%2F%2Fwww.istockphoto.com%2Fhk%2F%25E6%258F%2592%25E5%259C%2596%2Fpros-and-cons&psig=AOvVaw0l_ffsJO4sN5HEEIz0lgGI&ust=1510807441853278

Scoring on any particular applicant is confidential and will not be disclosed to students.

Students will only be allocated universities within their list of choices, except in the Clearing Round.

Once the exchange result is released, no changes will be considered at the request of a student.

The host university has final authority on accepting students. Rejected nominations will not be placed at another university.

SBM reserved the right for final selection of students. and can rescind exchange offers.

Students cannot contact host universities during the application/selection process.

Students must attend the ORIENTATION organized by the host institution. Students who skip the orientation will be immediately withdrawn from exchange.

EXCHANGE POLICY REMINDER

When circumstances arise that compromise an exchange program, HKUST may make the decision to suspend a program. This could occur before the start or during the program. Students must abide by the advising/instructions set forth from HKUST.

Read carefully: General Exchange Guidelines [link]

EXCHANGE POLICY REMINDER

http://bmvh52.ust.hk/files/exchange/Exchange%20Application%20General%20Policies.pdf

Course Equivalence Database [link]

Process & Procedures [link]Course Assessment (before exchange)Credit Transfer (after exchange)

ARO handles all course assessment and credit transfer cases.

Students are entirely responsible for their own credit transfer.

Enquiries or Forms submission:Email: crtran@ust.hkOffice: ARO, Room 6401, Academic Building(Lift No. 25-26)

CREDIT TRANSFER

https://crtran.ust.hk/credit_instithttp://arr.ust.hk/exchange-credit/mailto:crtran@ust.hk

HKUST provides travel insurance for exchange students

Insurance Coverage Details [link]

This insurance covers travelling within your destination country. You must note that your place of departure or return must be HONG KONG.

If this insurance does not meet the host institution requirements, students will also need to purchase the plan provided by your host institution. You may check with the host university for details on when (before or after arriving), where, and how to purchase their insurance.

TRAVEL INSURANCE

https://sfao.ust.hk/individual.php?l=11

OGL Exchange Sponsorships (OGL@ust.hk):1) Basic Exchange Sponsorship: [link]

$6,000 HKD, For both local & non-local students2) Subsidies on Exchange: [link]

Type and amount varies, for students with eligibility needing more than the basic financial assistance.

University Exchange Scholarships (sfao.sc@ust.hk):Handled by the Scholarships & Financial Aid Office (SFAO). All scholarship decisions are based on the list of successful exchange-out applicants.For list of scholarships, refer to SFAO website [link]

SBM Travel-Related Awards (bmfunds@ust.hk):1) Wong Chak Chui Int’l Enrichment Scholarship [link]

Maximum $20K HKD, 2.85 CGA requirement2) International Enrichment Grant [link]

Maximum $10K HKD

FINANCIAL ASSISTANCE

http://studyabroad.ust.hk/outbound/finances-support/financial-supporthttp://studyabroad.ust.hk/outbound/finances-support/financial-supporthttps://sfao.ust.hk/page.php?i=46http://undergrad.bm.ust.hk/student-life/scholarship/wong-international-enrichment-scholarshiphttp://undergrad.bm.ust.hk/student-life/scholarship/international-enrichment-scholarshiphttp://www.google.com.hk/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjs69Xm2L_XAhUBI5QKHZ7-D_kQjRwIBw&url=http://niva.ac.th/fees-structure/tution/&psig=AOvVaw09J4foyIpL5ZFDIvO-838-&ust=1510804821068416

POST-EXCHANGE REQUIREMENTS:

Released AFTER the exchange to students who have:

SATISFACTORILY completed the exchange as per SBMNO FAILED courses Submitted a qualified online EXCHANGE REPORT

OGL has final approval of all applications

BASIC EXCHANGE SPONSORSHIP

Successful exchange-out students will automatically be included into one-on-one Buddy Program. If you don’t wish to participate with a valid reason, you can apply to opt-out with the SBM Office.

As a Buddy, you will receive the exchange-in student from the airport, help him/her to settle into HKUST, and actively assist him/her where possible during the semester.

BUDDY PROGRAM

Online advising sessions on ZOOM on exchange and application assistance:

No registration needed. Join with above Meeting IDs.

DATE TIME REGION ZOOM MEETING ID

20 Nov, Fri 10:00 – 11:00 am General Inquiries 325-708-9958

20 Nov, Fri 3:00 – 4:00 pm General Inquiries 325-708-9958

07 Dec, Mon 10:00 – 12:00 pm North & Latin America 325-708-9958

23 Dec, Wed 10:00 – 12:00 pm Europe/Oceania/Asia 325-708-9958

05 Jan, Tue 2:00 – 4:00 pm General Inquiries 325-708-9958

08 Jan, Fri 2:00 – 4:00 pm General Inquiries 325-708-9958

EXCHANGE ADVISING SESSIONS

VIRTUAL EXCHANGE INFO WEEK

YU, Hin Wah Lotus

Spring 2020HEC Paris, France

STUDENT SHARING

The COVID-19 pandemic continues to impact global mobility and changes can occur rapidly. Therefore, HKUST’s mobility programs are subject to changes based on prevailing global/local health and travel advisories. In addition, participating students are required to abide by University’s decisions. We appreciate students’ patience and understanding under the current situation.

COVID-19 IMPACT

Ms. Wendy Cheungbmwendy@ust.hk

Mr. Forrest Kambmforrest@ust.hk

Office LocationRoom 1037, 1/F, Undergraduate Programs Office LSK Business BuildingSchool of Business & Management

Exchange General Inquiries Emailbmugexch@ust.hk

EXCHANGE INQUIRIES

mailto:bmwendy@ust.hkmailto:bmforrest@ust.hkmailto:bmugexch@ust.hkhttp://www.ust.hk/?attachment_id=49407

Q & APLEASE USE THE ‘RAISE YOUR HAND’ FUNCTION IN APP

OR

TYPE YOUR QUESTION IN CHAT BOX

Slide Number 1ZOOM LOGISTICSTOPICSPROGRAM OVERVIEWPROGRAM OVERVIEWPARTNER OVERVIEWNEW PARTNERSNEW PARTNERSNEW PARTNERSSlide Number 10Slide Number 11Slide Number 12Slide Number 13Slide Number 14Slide Number 15Slide Number 16Slide Number 17Slide Number 18Slide Number 19Slide Number 20Slide Number 21Slide Number 22Slide Number 23Slide Number 24Slide Number 25Slide Number 26Slide Number 27Slide Number 28Slide Number 29Slide Number 30Slide Number 31Slide Number 32Slide Number 33Slide Number 34Slide Number 35Slide Number 36Slide Number 37Slide Number 38Slide Number 39Slide Number 40Slide Number 41VIRTUAL EXCHANGE INFO WEEKSlide Number 43Slide Number 44Slide Number 45Slide Number 46