O.C.S.C.C. No. 903 Information Session – May 13, 2014 1

O.C.S.C.C. No. 903

Information Session – May 13, 20141

AgendaAgenda

• IntroductionsIntroductions• Performance Audit UpdatePerformance Audit Update• Reserve Fund Study UpdateReserve Fund Study Update• June 1/2014 - May 31/2015 BudgetJune 1/2014 - May 31/2015 Budget• Items of InterestItems of Interest• General RemindersGeneral Reminders

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IntroductionsIntroductions

Board MembersBoard Members•Marty van Gaal (term ending Sept 2015) – Marty van Gaal (term ending Sept 2015) – PresidentPresident•Paul Gallagher (term ending Sept 2014) – DirectorPaul Gallagher (term ending Sept 2014) – Director•Krista Nonnenmacher-Biddiscombe (term ending Krista Nonnenmacher-Biddiscombe (term ending Sept 2016) – SecretarySept 2016) – Secretary

Property Manager Property Manager (2(2ndnd year of a 3 year contract) year of a 3 year contract)•Stefania Parnanzone, Taggart Realty ManagementStefania Parnanzone, Taggart Realty Management

Concierge Concierge (employee of the Condominium Corp)(employee of the Condominium Corp)•Samra MehmedagicSamra Mehmedagic

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Performance AuditPerformance Audit

• The Condominium Act, 1998, requires that The Condominium Act, 1998, requires that the Board of Directors commission a the Board of Directors commission a Performance Audit (PA) to determine if Performance Audit (PA) to determine if there are any deficiencies in the there are any deficiencies in the construction of the common elements. construction of the common elements.

• Must be completed in time to submit a Must be completed in time to submit a claim to Tarion Warranty Corporation.claim to Tarion Warranty Corporation.

– 1yr Warranty - By May 31, 2013 (COMPLETED)1yr Warranty - By May 31, 2013 (COMPLETED)– 2 yr Warranty – water penetration and major 2 yr Warranty – water penetration and major

itemsitems– 7 yr Warranty – structural defects7 yr Warranty – structural defects

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• Urban Capital has 18 months to repair from Urban Capital has 18 months to repair from the date the PA is filed with Tarionthe date the PA is filed with Tarion

• Priority 1 – health and safetyPriority 1 – health and safety• Priority 2 – deterioration of the buildingPriority 2 – deterioration of the building• Priority 3 - minor in naturePriority 3 - minor in nature• Priority 4 – aesthetic in naturePriority 4 – aesthetic in nature• Priority 5 – deviated from contract drawingsPriority 5 – deviated from contract drawings

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• PA Report captured 174 deficienciesPA Report captured 174 deficiencies

• To DateTo Date– Meet with Doran/Urban Capital on a regular basis to reviewMeet with Doran/Urban Capital on a regular basis to review– Working to completion by 18 monthsWorking to completion by 18 months– Number of PA items associated with the elevators(28 items, 3 completed) Number of PA items associated with the elevators(28 items, 3 completed)

– remainder to be inspected before signoff– remainder to be inspected before signoff– Working with Urban Capital on approach to address the reliability Working with Urban Capital on approach to address the reliability

concerns of the Gladstone Garage Door concerns of the Gladstone Garage Door 6

Priority # Reported # Closed as April 30, 2014

1 21 6

2 37 4

3 61 10

4 53 27

5 2 0

Reserve Fund StudyReserve Fund Study

•The Condominium Act, 1998, requires all The Condominium Act, 1998, requires all condominium corporations to establish a condominium corporations to establish a reserve fund (RF) study within the year reserve fund (RF) study within the year following registration, and periodic reviews following registration, and periodic reviews of the RF every three (3) years afterwards.of the RF every three (3) years afterwards.•The purpose of a RFS:The purpose of a RFS:

– 30 year forecast of future major repairs or 30 year forecast of future major repairs or replacement of common elements of the replacement of common elements of the building; building; – To lower risk of unexpected repairs; and;To lower risk of unexpected repairs; and;– To ensure that proper funds will be available To ensure that proper funds will be available for those repairs when the time comes.for those repairs when the time comes. 7


•ObjectiveObjectivea)a) Setup a schedule for the anticipated repair and Setup a schedule for the anticipated repair and

replacement of common element itemsreplacement of common element itemsb)b) Set up a special account for major repair items and Set up a special account for major repair items and

replacement of common elements and assets of the replacement of common elements and assets of the CorporationCorporation

c)c) To determine the annual contribution necessary to To determine the annual contribution necessary to maintain an adequate balance for the 30 year period of maintain an adequate balance for the 30 year period of this studythis study

d)d) Satisfy the legislation regarding the Condominium Act, Satisfy the legislation regarding the Condominium Act, 1998 and related regulations, and1998 and related regulations, and

e)e) Update every 3 years (paper followed by full inspection)Update every 3 years (paper followed by full inspection)a)a) Paper Study to be completed in the spring of 2016 for input into Paper Study to be completed in the spring of 2016 for input into

the 2016-2017 budgetthe 2016-2017 budgetb)b) Paid for out of the Reserve Fund. Paid for out of the Reserve Fund.

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•Recommendation from Initial ReportRecommendation from Initial Report- Assumptions – Inflation of 2%, Interest of 3%Assumptions – Inflation of 2%, Interest of 3%- 2012-2013, contribution of $112,406 (15% of the 2012-2013, contribution of $112,406 (15% of the

Operating Budget) to be increased to $294,504 (162%) Operating Budget) to be increased to $294,504 (162%) for fiscal year 2013-2014for fiscal year 2013-2014

- Increased by inflation (2%) for fiscal years 2014-2015 Increased by inflation (2%) for fiscal years 2014-2015 and 2015-2016and 2015-2016

• BenefitsBenefits– If such funding is not achieved, future condominium If such funding is not achieved, future condominium

owners can expect the need for increased condo fees owners can expect the need for increased condo fees and/or special assessments to address major renewal and/or special assessments to address major renewal activitiesactivities

– Healthy Reserve Fund is attractive to new investorsHealthy Reserve Fund is attractive to new investors

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Reserve Fund – Plan and Reserve Fund – Plan and FinancialsFinancials

•Investment RulesInvestment Rules– No RiskNo Risk– All investments must be 100% guaranteed (federal or provincial)All investments must be 100% guaranteed (federal or provincial)– Government (Federal or Provincial) – Investment FundsGovernment (Federal or Provincial) – Investment Funds– Banks ($100,000 CDIC insured) - GICsBanks ($100,000 CDIC insured) - GICs

•Current Investments ($475,000)Current Investments ($475,000)- $95,000, 18 month (2.05%) – Home Trust GIC (Dec 2014)- $95,000, 18 month (2.05%) – Home Trust GIC (Dec 2014)

- $95,000, 24 month (1.73%) – Dundee Wealth Bank GIC (Dec 2014)- $95,000, 24 month (1.73%) – Dundee Wealth Bank GIC (Dec 2014)

- $95,000, 24 month (1.95%) – Equity Financial Trust GIC (Dec 2014)- $95,000, 24 month (1.95%) – Equity Financial Trust GIC (Dec 2014)-$95,000, 36 month (2.01%) – Manulife GIC (Dec 2014)$95,000, 36 month (2.01%) – Manulife GIC (Dec 2014)-$95,000, 36 month (1.95%) – Home Equity GIC (Feb 2014)$95,000, 36 month (1.95%) – Home Equity GIC (Feb 2014)

•Future Investments - $95,000 GICsFuture Investments - $95,000 GICs (every 4 months) (every 4 months)

•May 31, 2014 – closing balance of approx. $555,000 May 31, 2014 – closing balance of approx. $555,000 (RF recommendation of $414,699)(RF recommendation of $414,699)

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June 1, 2014 to May 31, 2015 June 1, 2014 to May 31, 2015 BudgetBudget

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Categories Notes Year 2 (Budget) Year 2 (Year

End Projection) Year 3 (Budget) Notes:

Revenue -$ 1,073,377.50 -$ 1,083,445.50 -$ 1,208,478.47

Common Element Fees -$ 1,073,377.50 -$ 1,073,377.50 -$ 1,094,845.05 2.0% increase

Miscellaneous Income $ - -$ 10,068.00 -$ 8,000.00

Suprlus from Previous Year -$ 105,633.42

Administration $ 115,287.44 $ 114,475.00 $ 116,137.44

ManagementTaggart Realty Management

$ 87,787.44 $ 87,780.00 $ 87,787.44 Based on existing agreement

Insurance Aviva $ 25,000.00 $ 25,295.00 $ 26,500.00

Office Expenses $ 2,000.00 $ 1,125.33 $ 1,500.00

Bank Charges $ 500.00 $ 274.67 $ 350.00

Utilities $ 272,600.00 $ 193,078.36 $ 270,398.03

Electricity EnerCare Connections $ 110,000.00 $ 80,255.69 $ 96,306.83 Based on Year 2 consumption

Water City of Ottawa $ 66,000.00 $ 57,737.33 $ 69,284.80 Based on Year 2 consumption

Gas Enbridge $ 75,000.00 $ 46,576.00 $ 65,206.40 Based on Year 2 consumption

Utilities Contigency $ 20,000.00 $ -

$ 30,000.00

Telephones/Wireless/Cable Bell/ Rogers $ - $ 7,109.33 $ 8,000.00

Generator Fuel Petro-Canada $ 1,600.00 $ 1,400.00 $ 1,600.00

Consulting $ 19,500.00 $ 12,452.00 $ 19,500.00

Legal Nelligan O'Brien Payne $ 10,000.00 $ 4,952.00 $ 10,000.00

Audit (Financial) WPGCA $ 6,500.00 $ 6,500.00 $ 6,500.00

Reserve Fund Study $ - $ -

$ -

Removed from budget - included in RF

Performance Audit Morrison Hershfield $ - $ 1,000.00 $ 1,000.00

General Consulting TBD $ 3,000.00 $ -

$ 2,000.00


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Maintenance & Repairs $ 23,000.00 $ 12,502.00 $ 40,000.00

General Rep. & MainEnterphone, signs, doors etc.

$ 18,000.00 $ 10,243.33 $ 25,000.00 General repairs and improvements

Building SuppliesFobs, mats, garbage cans etc

$ 5,000.00 $ 2,258.67 $ 15,000.00 Fobs, mats, garbage cans, paint, etc.

Contracts $ 183,300.00 $ 179,587.56 $ 212,250.00

Elevator Maintenance Schindler Elevator $ 25,000.00 $ 35,056.00 $ 35,000.00 Monthly maintenance

Life Safety Inspections & Monitoring Activox/ Pyron Fire $ 12,000.00 $ 8,835.00 $ 10,000.00 Inspections & maintenance, emergency monitoring

Fitness Equipment Maintenance Exertech $ 1,200.00 $ 1,965.33 $ 2,000.00 Quarterly maintenance, repairs

Garage Overhead Doors Al Parsons Electric $ 8,000.00 $ 8,593.33 $ 10,000.00 Quarterly maintenance, repairs

Garage Cleaning Van's Pressure Wash $ 3,500.00 $ 2,802.00 $ 13,500.00 Twice per year

Compactor Lease/ Maintenance CKS Leasing Solutions $ 20,000.00 $ 19,277.33 $ 25,000.00 Lease Payments (June 2018), maintenance, repairs

Waste Removal BFI/ WSI $ 10,000.00 $ 11,045.33 $ 12,000.00 Extra pick-ups, contaminated bins

General Cleaning Dodd's Janitorial $ 58,500.00 $ 55,624.00 $ 56,500.00 Regular cleaning, special projects

Carpet Cleaning TBD $ 3,000.00 $ 4,000.00 Professional full cleaning

Generator Inspections Gal Power $ 5,500.00 $ 7,584.00 $ 7,000.00 Monthly maintenance, annual inspection

HVAC Maintenance Optimum Mechanical $ 16,500.00 $ 9,860.00 $ 15,000.00 2 major, 2 mid-season, 4 regualr inspections, repairs

Landscaping Excel Landscaping/ TBD $ 3,000.00 $ 2,497.33 $ 3,000.00 Plants, etc

Snow Removal Marsten Equipment $ 2,500.00 $ 2,645.56 $ 2,750.00 contract price, extra snowfall

Water Treatment System Ashland Corp. $ 6,600.00 $ 5,933.33 $ 7,000.00 Monthly maintenance, repairs

Window Cleaning Window Butler $ 8,000.00 $ 7,869.00 $ 9,500.00 Once per year


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Other $ 131,823.28 $ 98,372.67 $ 127,000.00

General Contigency $ 30,000.00 $ -

$ 25,000.00 Insurance reserve, contingency

Website $ 4,000.00 $ 550.00 $ 4,000.00 To be finalized

Green Building Cost Recovery Loan $ 97,823.28 $ 97,822.67 $ 98,000.00

Monthly payments on a $500,000 Loan - amortized over 6 years with fixed 5 years at 5.489% expiring on October 1, 2017. $95,043 remaining as of October 1, 2017.

Staff $ 75,300.00 $ 72,840.00 $ 89,800.00

Building Staff Concierge Service $ 42,000.00 $ 40,668.00 $ 45,000.00 Salary, holiday coverage, after hour coverage, CPI

Employee Benefits Blue Cross $ 800.00 $ -

$ 6,300.00 Health, training, WSIB

After-hours On-Call Ihsan Ismail $ 7,500.00 $ 6,372.00 $ 7,500.00 26 weeks (carrying and approx call outs)

Weekend Security/ Mobile Patrol Garda $ 25,000.00 $ 25,800.00 $ 31,000.00 Weekend Security/Mobile Patrol

SUB-TOTAL $ 823,310.72 $ 683,307.58 $ 875,085.47

TOTAL (excluding Reserve Fund) $ 778,873.50 $ 683,307.58 $ 875,085.47

RESERVE FUND CONTRIBUTION $ 294,504.50 $ 294,504.50 $ 300,394.59 As per RFS contribution increase of 2%

GRAND TOTAL $ 1,073,377.50 $ 977,812.08 $ 1,175,480.06

Year End Surplus/Deficit $ 44,437.22 $ 105,633.42 $ 32,998.41

2014-2015 Budget Summary2014-2015 Budget Summary

• 2% overall increase in Condo Fees2% overall increase in Condo Fees– 2% increase in Operating Budget2% increase in Operating Budget

• Increase to accommodate the maintenance of the building system Increase to accommodate the maintenance of the building system (no longer covered by warranties)(no longer covered by warranties)• Utilities and Contingency (increases in costs, usage and unknowns)Utilities and Contingency (increases in costs, usage and unknowns)• Contingency for unforeseen expenses (remainder used for next Contingency for unforeseen expenses (remainder used for next years budget) years budget)

– 2% increase in Reserve Fund2% increase in Reserve Fund

•48.02 cents per square foot per month48.02 cents per square foot per month•Reserve Fund represents 27.4% of the overall Reserve Fund represents 27.4% of the overall budgetbudget

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Other Items of InterestOther Items of Interest

•AGM – held January 22, 2014 (delay AGM – held January 22, 2014 (delay due to finalizing closing costs)due to finalizing closing costs)

– intend to have AGM in Sept/Octintend to have AGM in Sept/Oct

•EnerCareEnerCare– Errors (missing units, incorrect Errors (missing units, incorrect meter readings)meter readings)– 10 year Contract – Jan 200910 year Contract – Jan 2009– Early Contract Cancellation (May Early Contract Cancellation (May 2014) - $679 per unit2014) - $679 per unit

•Installation of ‘entrance restriction Installation of ‘entrance restriction bars’ at ground level at the McLeod bars’ at ground level at the McLeod garage doorgarage door•GIC investment of Operating FundsGIC investment of Operating Funds•Proposed By-Law AmendmentsProposed By-Law Amendments

– Insurance DeductiblesInsurance Deductibles– Modifications to Common Elements Modifications to Common Elements – Screen Doors, hooks in storage – Screen Doors, hooks in storage lockers, security ring in parking spotslockers, security ring in parking spots– Proxies Proxies

• Landscaping in Courtyard Landscaping in Courtyard (replacement of dieback – (replacement of dieback – May/June)May/June)

• Gladstone Garage Door – Gladstone Garage Door – Upgraded SpringsUpgraded Springs

• LEED Certification (Gold/Silver) LEED Certification (Gold/Silver) – estimate of July/August 2014– estimate of July/August 2014

• Painting of door frames by a Painting of door frames by a volunteer – saving $$$ for all volunteer – saving $$$ for all ownersowners

• No Pet signs to be installed in No Pet signs to be installed in courtyard and landscaping beds courtyard and landscaping beds outside buildingoutside building

• No Smoking signs in courtyard No Smoking signs in courtyard and outside building entrancesand outside building entrances

• Hot water – reported Hot water – reported temperature issuestemperature issues

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Other Items of Interest Other Items of Interest (continued)(continued)

•ContractsContractsSnow RemovalSnow RemovalGarage Door MaintenanceGarage Door MaintenanceFitness Room MaintenanceFitness Room MaintenanceElevator MaintenanceElevator MaintenanceCleaning (General and Carpets)Cleaning (General and Carpets)Property ManagementProperty ManagementWindow Cleaning (annual)Window Cleaning (annual)Garage Floor CleaningGarage Floor CleaningWinter CarpetsWinter Carpets

• Common Elements and Common Elements and Exclusive Use Common Exclusive Use Common ElementsElements

• Doran warranty ended after Doran warranty ended after 1year building – awarded 1year building – awarded contract to a General contract to a General Contractor for maintenance and Contractor for maintenance and repair to Common Element repair to Common Element ItemsItems

• Town Hall (March 12, 2014) – Town Hall (March 12, 2014) – Bicycles in lobbies and Bicycles in lobbies and elevatorselevators

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Reminders for ResidentsReminders for Residents• Balconies & Terraces:Balconies & Terraces:

– Permitted: Plants (completed form), seasonal furniture.Permitted: Plants (completed form), seasonal furniture.– Not Permitted: items on railings, bikes, non-patio items Not Permitted: items on railings, bikes, non-patio items

(e.g. tires, picnic coolers, sports equipment, boxes), dead (e.g. tires, picnic coolers, sports equipment, boxes), dead plants, laundry drying, etc.plants, laundry drying, etc.

– Warnings and Administration Costs will be issuedWarnings and Administration Costs will be issued

• Unit owners responsible for maintenance and Unit owners responsible for maintenance and repair in their unitsrepair in their units

• Keep the common areas clean - garbageKeep the common areas clean - garbage• Noise & Disturbances:Noise & Disturbances:

– All residents are entitled to quiet enjoyment of their unit. All residents are entitled to quiet enjoyment of their unit. – Report disturbances to building staff and keep log Report disturbances to building staff and keep log – Report to Ottawa By-Law (3-1-1) and PM, if no staff onsiteReport to Ottawa By-Law (3-1-1) and PM, if no staff onsite

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Reminders for Residents Reminders for Residents (cont’d)(cont’d)

• Smoking:Smoking:– Not permitted in any common area, including 2Not permitted in any common area, including 2ndnd level level

courtyardcourtyard– Do not throw cigarette butts from balconiesDo not throw cigarette butts from balconies– Respect your neighboursRespect your neighbours

• Control Your Pets: Control Your Pets: – – not allowed in Courtyardnot allowed in Courtyard

– ‘– ‘no business on exterior landscaping beds’no business on exterior landscaping beds’

• Damage & Theft:Damage & Theft:– Residents are responsible for the actions of their guestsResidents are responsible for the actions of their guests– Theft and damage of condo assets costs everyoneTheft and damage of condo assets costs everyone

• AV System, Damage Walls, Pool Table Cover, Fire Exit Map, Fire AV System, Damage Walls, Pool Table Cover, Fire Exit Map, Fire Extinguishers, Glued Door BoltsExtinguishers, Glued Door Bolts

– Report suspicious activity to building staff or PMReport suspicious activity to building staff or PM 18

How Can You Get More How Can You Get More InvolvedInvolved

• Examples of possible volunteers Examples of possible volunteers (committee)(committee)– Landscaping (exterior and courtyard - maintain)Landscaping (exterior and courtyard - maintain)– Financial (monthly budget update, summarize, Financial (monthly budget update, summarize,

recommend options and note any recommend options and note any discrepancies)discrepancies)

– Communication – (recommend strategy, Communication – (recommend strategy, manage/develop/modify web site, update manage/develop/modify web site, update content)content)

– Common Element Operations and Common Element Operations and Improvements (review and recommend Improvements (review and recommend improves/estimates, polices/procedures)improves/estimates, polices/procedures)

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Backup Slide

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30 Year Reserve Fund Cash Flow

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Year Ending In May 31

Opening Balance

Annual Contribution*

Percent Increase over

Previous Year

Other ContributionEstimated Future

Inflated Expenditures

Projected Interest Earned

Closing Balance

2013 112,406 112,406 2014 112,406 294,504 162.0% 7,790 414,699 2015 414,699 300,394 2.0% 16,947 732,040 2016 732,040 306,402 2.0% 6,367 26,462 1,058,536 2017 1,058,536 312,530 2.0% 40,050 35,843 1,366,859 2018 1,366,859 318,780 2.0% 45,787 1,731,427 2019 1,731,427 325,156 2.0% 70,948 55,756 2,041,391 2020 2,041,391 331,659 2.0% 66,217 2,439,266 2021 2,439,266 338,292 2.0% 4,687 78,182 2,851,054 2022 2,851,054 345,058 2.0% 69,315 89,668 3,216,464 2023 3,216,464 351,959 2.0% 101,773 3,670,197 2024 3,670,197 358,998 2.0% 289,706 111,145 3,850,634 2025 3,850,634 366,178 2.0% 12,682 120,821 4,324,952 2026 4,324,952 373,502 2.0% 5,174 135,273 4,828,553 2027 4,828,553 380,972 2.0% 935,510 136,539 4,410,553 2028 4,410,553 388,591 2.0% 161,504 135,723 4,773,363 2029 4,773,363 396,363 2.0% 149,146 5,318,873 2030 5,318,873 404,291 2.0% 165,631 5,888,794 2031 5,888,794 412,376 2.0% 19,995 182,550 6,463,724 2032 6,463,724 420,624 2.0% 793,962 188,312 6,278,698 2033 6,278,698 429,036 2.0% 153,053 192,501 6,747,182 2034 6,747,182 437,617 2.0% 1,332,271 188,996 6,041,524 2035 6,041,524 446,369 2.0% 97,397 186,480 6,576,977 2036 6,576,977 455,297 2.0% 567,684 195,624 6,660,213 2037 6,660,213 464,403 2.0% 4,075,780 145,636 3,194,472 2038 3,194,472 473,691 2.0% 1,368,265 82,416 2,382,313 2039 2,382,313 483,165 2.0% 878,545 65,539 2,052,472 2040 2,052,472 492,828 2.0% 3,414 68,915 2,610,801 2041 2,610,801 502,684 2.0% 6,964 85,760 3,192,281 2042 3,192,281 512,738 2.0% 3,599,637 49,465 154,847

30 Year Reserve Fund Cash Flow

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Year Ending In May 31

Opening Balance

Annual Contribution*

Percent Increase over

Previous Year

Other ContributionEstimated Future

Inflated Expenditures

Projected Interest Earned

Closing Balance

2013 112,406 143,630 256,036 2014 256,036 294,504 162.0% 12,099 562,638 2015 562,638 300,394 2.0% 21,385 884,417 2016 884,417 306,402 2.0% 6,367 31,033 1,215,485 2017 1,215,485 312,530 2.0% 40,050 40,552 1,528,516 2018 1,528,516 318,780 2.0% 50,637 1,897,934 2019 1,897,934 325,156 2.0% 70,948 60,751 2,212,892 2020 2,212,892 331,659 2.0% 71,362 2,615,913 2021 2,615,913 338,292 2.0% 4,687 83,481 3,033,000 2022 3,033,000 345,058 2.0% 69,315 95,126 3,403,869 2023 3,403,869 351,959 2.0% 107,395 3,863,224 2024 3,863,224 358,998 2.0% 289,706 116,936 4,049,452 2025 4,049,452 366,178 2.0% 12,682 126,786 4,529,734 2026 4,529,734 373,502 2.0% 5,174 141,417 5,039,478 2027 5,039,478 380,972 2.0% 935,510 142,866 4,627,806 2028 4,627,806 388,591 2.0% 161,504 142,240 4,997,134 2029 4,997,134 396,363 2.0% 155,859 5,549,357 2030 5,549,357 404,291 2.0% 172,545 6,126,192 2031 6,126,192 412,376 2.0% 19,995 189,671 6,708,245 2032 6,708,245 420,624 2.0% 793,962 195,647 6,530,554 2033 6,530,554 429,036 2.0% 153,053 200,056 7,006,594 2034 7,006,594 437,617 2.0% 1,332,271 196,778 6,308,718 2035 6,308,718 446,369 2.0% 97,397 194,496 6,852,187 2036 6,852,187 455,297 2.0% 567,684 203,880 6,943,680 2037 6,943,680 464,403 2.0% 4,075,780 154,140 3,486,442 2038 3,486,442 473,691 2.0% 1,368,265 91,175 2,683,042 2039 2,683,042 483,165 2.0% 878,545 74,561 2,362,223 2040 2,362,223 492,828 2.0% 3,414 78,208 2,929,845 2041 2,929,845 502,684 2.0% 6,964 95,331 3,520,896 2042 3,520,896 512,738 2.0% 3,599,637 59,323 493,321

Documents

O.C.S.C.C. No. 903 Information Session – May 13, 2014 1