<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"><head><meta http-equiv=Content-Type content="text/html; charset=iso-8859-1"><meta name=Generator content="Microsoft Word 14 (filtered medium)"><!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
{font-family:Wingdings;
panose-1:5 0 0 0 0 0 0 0 0 0;}
@font-face
{font-family:Wingdings;
panose-1:5 0 0 0 0 0 0 0 0 0;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:Tahoma;
panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
{font-family:"Brush Script Std";
panose-1:0 0 6 0 0 0 0 0 0 0;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri","sans-serif";}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:purple;
text-decoration:underline;}
p.MsoAcetate, li.MsoAcetate, div.MsoAcetate
{mso-style-priority:99;
mso-style-link:"Balloon Text Char";
margin:0in;
margin-bottom:.0001pt;
font-size:8.0pt;
font-family:"Tahoma","sans-serif";}
span.EmailStyle17
{mso-style-type:personal-compose;
font-family:"Calibri","sans-serif";
color:windowtext;}
span.BalloonTextChar
{mso-style-name:"Balloon Text Char";
mso-style-priority:99;
mso-style-link:"Balloon Text";
font-family:"Tahoma","sans-serif";}
.MsoChpDefault
{mso-style-type:export-only;
font-family:"Calibri","sans-serif";}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1029" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:26.0pt;color:#4F6228;mso-style-textfill-fill-color:#4F6228;mso-style-textfill-fill-alpha:100.0%'>Smart Spending in the Real World<o:p></o:p></span></b></p><p class=MsoNormal align=center style='text-align:center'><o:p> </o:p></p><p class=MsoNormal align=center style='text-align:center'><span style='font-size:14.0pt'>Presented by Sean Anderson<o:p></o:p></span></p><p class=MsoNormal align=center style='text-align:center'><span style='font-size:14.0pt'>Cleveland Branch Manager, Redwood Credit Union<o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:20.0pt'><o:p> </o:p></span></b></p><p class=MsoNormal align=center style='text-align:center'><img width=164 height=189 id="Picture_x0020_1" src="cid:image009.jpg@01CEF1A7.12759010" alt="https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcTtfmTJCoySU8QH-68UKvGmrMvh0syh7cBdTV0xD0UakPBuK0C7cA"><span style='font-size:20.0pt'><o:p></o:p></span></p><p class=MsoNormal align=center style='text-align:center'><o:p> </o:p></p><p class=MsoNormal align=center style='margin-left:.25in;text-align:center;text-indent:-.25in'><span style='font-size:14.0pt;font-family:Wingdings'>ü</span><span style='font-size:14.0pt'>Setting goals<o:p></o:p></span></p><p class=MsoNormal align=center style='margin-left:.25in;text-align:center;text-indent:-.25in'><span style='font-size:14.0pt;font-family:Wingdings'>ü</span><span style='font-size:14.0pt'> Managing your money<o:p></o:p></span></p><p class=MsoNormal align=center style='margin-left:.25in;text-align:center;text-indent:-.25in'><span style='font-size:14.0pt;font-family:Wingdings'>ü</span><span style='font-size:14.0pt'> The power (and danger) of credit<o:p></o:p></span></p><p class=MsoNormal align=center style='margin-left:.25in;text-align:center;text-indent:-.25in'><span style='font-size:14.0pt;font-family:Wingdings'>ü</span><span style='font-size:14.0pt'> Making smart choices on car loans<o:p></o:p></span></p><p class=MsoNormal align=center style='margin-left:171.0pt;text-align:center;text-indent:-.25in'><span style='font-size:14.0pt'><o:p> </o:p></span></p><p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:20.0pt'>Friday, December 13<sup>th </sup>12-2PM<o:p></o:p></span></b></p><p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:20.0pt'>Bertolini Student Center Rm. #4875<o:p></o:p></span></b></p><p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:20.0pt'><o:p> </o:p></span></b></p><p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:20.0pt'>Space is limited; please RSVP to 707-527-4766<o:p></o:p></span></b></p><p class=MsoNormal align=center style='margin-left:2.0in;text-align:center'><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f">
<v:stroke joinstyle="miter" />
<v:formulas>
<v:f eqn="if lineDrawn pixelLineWidth 0" />
<v:f eqn="sum @0 1 0" />
<v:f eqn="sum 0 0 @1" />
<v:f eqn="prod @2 1 2" />
<v:f eqn="prod @3 21600 pixelWidth" />
<v:f eqn="prod @3 21600 pixelHeight" />
<v:f eqn="sum @0 0 1" />
<v:f eqn="prod @6 1 2" />
<v:f eqn="prod @7 21600 pixelWidth" />
<v:f eqn="sum @8 21600 0" />
<v:f eqn="prod @7 21600 pixelHeight" />
<v:f eqn="sum @10 21600 0" />
</v:formulas>
<v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect" />
<o:lock v:ext="edit" aspectratio="t" />
</v:shapetype><v:shape id="Picture_x0020_4" o:spid="_x0000_s1028" type="#_x0000_t75" style='position:absolute;left:0;text-align:left;margin-left:188.7pt;margin-top:411.9pt;width:106.85pt;height:76.9pt;z-index:251660288;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:margin;mso-position-vertical:absolute;mso-position-vertical-relative:margin;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page'>
<v:imagedata src="cid:image003.png@01CEF1A6.F8811F80" o:title="" />
<w:wrap type="square" anchorx="margin" anchory="margin"/>
</v:shape><![endif]--><![if !vml]><img width=142 height=103 src="cid:image010.png@01CEF1A7.12759010" align=left hspace=12 v:shapes="Picture_x0020_4"><![endif]><b><span style='font-size:20.0pt'><o:p></o:p></span></b></p><p class=MsoNormal align=center style='margin-left:2.0in;text-align:center'><!--[if gte vml 1]><v:shape id="Picture_x0020_3" o:spid="_x0000_s1027" type="#_x0000_t75" alt="Santa Rosa Junior College logo" style='position:absolute;left:0;text-align:left;margin-left:295.4pt;margin-top:427pt;width:129.6pt;height:36.65pt;z-index:251661312;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:margin;mso-position-vertical:absolute;mso-position-vertical-relative:margin;mso-width-percent:0;mso-height-percent:0;mso-width-relative:margin;mso-height-relative:margin'>
<v:imagedata src="cid:image005.gif@01CEF1A6.F8811F80" o:title="Santa Rosa Junior College logo" />
<w:wrap type="square" anchorx="margin" anchory="margin"/>
</v:shape><![endif]--><![if !vml]><img width=173 height=49 src="cid:image011.png@01CEF1A7.12759010" align=left hspace=12 alt="Santa Rosa Junior College logo" v:shapes="Picture_x0020_3"><![endif]><!--[if gte vml 1]><v:shape id="Picture_x0020_2" o:spid="_x0000_s1026" type="#_x0000_t75" alt="https://www.redwoodcu.org/sf-images/site-images/logo-redwood-credit-union.png?sfvrsn=2" style='position:absolute;left:0;text-align:left;margin-left:80.75pt;margin-top:426.95pt;width:102.05pt;height:38.3pt;z-index:251659264;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:margin;mso-position-vertical:absolute;mso-position-vertical-relative:margin;mso-width-percent:0;mso-height-percent:0;mso-width-relative:margin;mso-height-relative:margin'>
<v:imagedata src="cid:image007.png@01CEF1A6.F8811F80" o:title="logo-redwood-credit-union" />
<w:wrap type="square" anchorx="margin" anchory="margin"/>
</v:shape><![endif]--><![if !vml]><img width=136 height=51 src="cid:image012.png@01CEF1A7.12759010" align=left hspace=12 alt="https://www.redwoodcu.org/sf-images/site-images/logo-redwood-credit-union.png?sfvrsn=2" v:shapes="Picture_x0020_2"><![endif]><b><span style='font-size:20.0pt'><o:p></o:p></span></b></p><p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:20.0pt'><o:p> </o:p></span></b></p><p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:20.0pt'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:20.0pt'><o:p> </o:p></span></b></p><p class=MsoNormal style='margin-left:171.0pt'><o:p> </o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:18.0pt;font-family:"Brush Script Std";color:#7030A0'>Lisa Prezioso<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#403152'>CalWORKs STNC <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#403152'>Santa Rosa Junior College<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#403152'>(707) 524-1791<o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>