World Merit & DriveWealth FINANCIAL LITERACY Challenge

CREATING A SUSTAINABLE YOU

PARTICIPANTS GUIDEBOOK

AUGUST & SEPTEMBER 2015

1) The Challenge2) Instructor Lesson Plan Outline3) Tips for Instructors 4) Strategic Outreach

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Make a DifferenceFinancial security lies at the heart of personal sustainability, right up there with healthcare and adequate nutrition. Without adequate financial resources, individuals have reduced or no access to life’s basic necessities: food, clothing, shelter, education, and medical care.

The road to financial security begins with financial literacy: a basic understanding of personal finance and how investing can allow individuals to build wealth and save for their financial futures. Increased financial stability and personal sustainability lead to realizing greater human potential and better social outcomes and financial literacy is a stepping stone. Becoming financial literate and achieving personal sustainability will help you as you strive to enact changes in response to global socio economic issues. But most people have no access to even basic personal financial education. That’s where the DriveWealth-World Merit Financial Literacy Challenge comes in.

The ChallengeThe Financial Literacy Challenge seeks to have World Merit members first educate themselves on the basics of personal finance and investing, and then to pass on that knowledge to members of their local communities. The final product will be a video of you presenting your newfound financial knowledge to your communities.

So the challenge consists of three clear steps:

1) Learn. Before educating your community, it is important to educate yourself. DriveWealth has developed a learning program “Save, Plan, Invest” which you must understand and complete before implementing it in your community. It is crucial that you fill in DriveWealth’s quiz on the World Merit site. Without filling in this quiz, you are not eligible to win. If you want to learn more about financial literacy, we recommend that you watch the course material provided by DriveWealth’s partner Wall Street Survivor. Because the judging criteria is based on the content of the workshop, we recommend learning as much as you can before putting it to practice! Note: completing these courses and taking a screenshot on your computer of the 8 badges that you receive in these courses, provides you with bonus points. 2) Develop.After you have educated yourself, it is time to develop your strategy for your workshop. Find a venue, plan a session and locate your audience. 3) Pay It Forward. Give your workshop to the biggest audience possible. Pass on the knowledge you have gained on the courses. Pay it forward. Note: it is crucial that you record your session. You need to provide video-evidence of the workshop.

The Challenge

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Judging CriteriaMembers will be judged on the following:1) Completed DriveWealth’s quiz on the site on Financial Literacy. 2) Quality of the workshop provided and the accuracy of the content of the workshop material. This will be judged upon the video footage of the member’s workshop. 3) Impact of the workshop provided, i.e. how many people have participated in the member’s workshop, how many people has it reached and what was the positive feedback or learning people had on the workshop?

Rewards

#1: The member that ‘pays it forward’ (i.e. teaches and reaches) to the most people will be eligible for a paid internship at DriveWealth during the summer of 2016 (costs of travel and lodging will be covered by DriveWealth).

Runners-Up: Other members can earn the DriveWealth Challenge badge.

The member that ‘pays it forward’ (i.e. teaches and reaches) to the most people will be eligible for a paid internship at DriveWealth during the summer of 2016 (costs of travel and lodging will be covered by DriveWealth). Other Fellows can earn the DriveWealth Challenge badge.

The courses can be found under “Take Action” on the World Merit Platform. The courses start from August 5th. Until then, why not try some free courses out from Wall Street Survivor, to get yourself familiar with it? The final video submissions will be due by September 30, 2015.

About the DriveWealth Summer InternshipDriveWealth conducts an 8-week summer internship from mid-June to mid-August. Interns are assigned projects in teams based on current DriveWealth business needs. Past projects have included developing a global database of potential business partners to expand DriveWealth’s reach; researching securities regulatory requirements for global jurisdictions; writing educational content for the DriveWealth site and app; and conducting audits of DriveWealth’s securities pricing execution. Interns also participate in daily morning market reviews conducted by Brian Dolan, DriveWealth’s Head of Financial Education. The morning reviews focus on economic data, monetary policy, discussions of current global themes and upcoming events, and technical analysis of major international markets. Two off-site trips to New York City are held, including visits to the NY Federal Reserve Bank and the New York Stock Exchange, and other notable NY sites. Interns are typically college students and receive a stipend for the duration of the internship.

The Challenge

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Instructor Lesson Plan Outline: Key Takeaways

Now that you’ve completed the DriveWealth (and maybe Wall Street Survivor Educational Courses), you’re hopefully feeling more financially knowledgeable. You’re probably not an investing expert yet, but you now know a lot more than the people you’re going to educate and empower.

Here are some key takeaways to help you design your plan to pass on financial knowledge. This outline is intended to guide your presentations, but you’ll need to fill in the blanks and make it real for your audience. Feel free to present other topics or themes you think are important or you found the most interesting. Design your presentation to appeal to the real-world circumstances of your audience.

Planning: Make a plan to achieve your goals in life and become Money Savvy• Set goals--Design a roadmap for yourself so you know what you are working towards - Long-term/Short-term goals; give real-life examples• Think about how much risk you are willing to take with your investments. - Higher risk can mean a bigger reward, but it can also mean greater loss.• Know your time horizon-how long you have to invest - Your goals will mostly decide your time horizon - Be aware of the financial commitments you need to meet tomorrow and in the futureSaving: Learn to embrace saving as a culture, a lifestyle, a habit. • Make saving a way of life • Try not to think of it as an option but as a necessity(10% of your gross annual income may be a good target) • Make a habit of putting money into your bank account each month.• Know where your money is coming from and where it’s going• Money in—give examples your audience can relate to• Money out-give examples your audience can relate to• Analyze your spending habits to find money that you can save and invest • Create a budgeting plan• Make saving part of your budget• The money you save is money you can invest and grow• The key is to stick to a budget and monitor your progress--> Check out DriveWealth’s Budgeting CalculatorInvesting: Devising an investment strategy to grow the wealth you have saved• What can you invest in? Describe the different types of investments - Stocks - Discuss what a stock is and the different ways to make (or lose) money investing in them - Explain the pros/cons of stock investing - Bonds - Explain what a bond is how it’s different from stocks - Touch on different ways to invest in bonds - ETFs - Explain what ETFs are and give examples - Explain advantages and costs of using ETFs Asset Allocation: Explain why it is important to invest in different asset classes, i.e. diversification as a means of risk management; don’t put all your eggs in one basket.

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Here are some ideas to improve your communication skills to have the greatest educational impact. • Rehearse your presentation in advance• Rehearse your presentation in advance (no, that’s not a typo)• Maintain eye contact; be confident • There is a degree of showmanship to teaching• You are a knowledgeable professional. Strive to project that image at all times• Connect to your audience, use ideas or stories that your audience can relate to• Use specific examples; resist generalization• Be open minded and acknowledge difference of opinions • Value team-building activities: split your audience into groups and make a budget• Facilitate class/group discussion. This allows students to learn from each other• Consistent feedback - be able to give and receive• Rehearse your presentation in advance• Have Fun!

Tips for Instructors:How to Reach Your Audience

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Strategic Outreach

Now that you’ve completed the educational material from DriveWealth and Wall Street Survivor, it’s time to pay it forward! Here are some suggestions for audiences and delivery. Remember, once you video yourself passing on your financial knowledge, you become eligible for an internship at DriveWealth in the US for summer 2016!

Prospective Audiences: There are different groups and establishments throughout the world where you can teach financial literacy• Schools (Grades 5-12)• Community/Junior Colleges• Community Centers• Youth Groups (Boy/Girl Scouts; Boys/Girls Clubs)• Webinars, seminars, in-home education, etc. (Education Consulting)• Online Communities - forums, chat rooms, blogs, etc.• Investment/Finance Clubs• Church Groups• Hospital Schools• Military Groups/Families• Career Fairs/WorkshopsPresentation Tips: Here are some suggestions to aid you in communicating your material • Computer • Generic PowerPoint that demonstrates the power/benefit of investing• Only use a few bullet points on each slide (3-4; don’t overwhelm viewers)• Keep individual slide data to a minimum (concise statements) • Provide ample visual reinforcement (e.g. chart showing the effects of compounding)• Make sure to present the “why” of investing, not only the “how”• The goal is to intrigue/inspire, not to get in depth with the technicals• Include section that addresses the common misconceptions that exist about investing• Make sure presentation is available online• Blackboard/Whiteboard/Flip charts/Large poster boards• Generic brochures/handouts that highlight the majority of the information in the PowerPoint, so that the audience can easily follow along with and analyze the numbers given in the presentation• Refer to DriveWealth’s educational section for additional lessons and topics• Simple/metaphorical investment props to demonstrate and provide imagery about how investing your money can result in positive dividends• Include incentive-based participation “games” encouraging audiences to ask questions, participate, and stimulate interest• Periodically ask questions throughout presentation• For Young Audiences: Use the savings calculator at drivewealth.com/savings-calculator/ to show them how much money they could save over the course of a year if they were to save their allowances, for example.• For Older Audiences: Introduce the cash flow calculator on DW’s platform to show the audiences a more in- depth version of their hypothetical, financial capabilities.