 Welcome to Community Financial Literacy's seventh annual celebration. Yay! Thank you. Thanks very much for joining us in supporting CFL's vital contribution to Maine's economy and workforce. My name is Mike Wood. I'm a portfolio manager and vice president at RM Davis here in Portland. I'm also proud to serve as CFL's chairman of the board. We know from our history lessons that America was founded by immigrants, many of whom risked all they had to pursue a better life, to enjoy freedom or flee oppression. This continues today as new manors bring vitality and entrepreneurship to our economy. We are here tonight to celebrate and support CFL's mission of integrating new manors into our economy. Maine is aging rapidly and we are the oldest state by average age in the country. We all know about the pending retirement of the baby boomers and the need to replace and enhance our labor force. Today's immigrants are eager to fill that void, to work, to become self-sufficient and compete in our vibrant economy. To succeed, these new workers just need a basic understanding of our financial, legal and economic systems. My daughter and I met two gentlemen here from the Congo who've been here for two months and six months respectively and they are more entrepreneurial than most people their age and I find them to be very impressive. Really, this is where CFL is delivering a lot of value, getting folks integrated into our local economy and contributing to the workforce with your support. So as a quick overview, in 2015 we assisted almost 300 students from 21 different countries. Congo, thank you. Congo, Cuba, Burma, Iraq. Over this evening you'll hear much more about these vital services that we're providing to the economy in the state. I'm going to now ask Adele Gattibriazziano, sorry Adele, to explain the value she's received from some of our courses. Come on up Adele. Hello everyone, my name is Adele Gattibrizzo. I'm 22 years old. I came into the U.S. in June 2014. My home country is Congo and the education system in my home country is a Belgian system. So French is our official language. So when I came into the U.S., I didn't speak English and that was two years ago. After coming I wanted to get educated in order to have a broader future. I didn't want to stay home. I was 20 years old. I wanted to go to school as everyone of my age. So after that I went to Portland Adult Education and after two semesters they told me that I was ready for college. Learning was not a problem for me because I knew that I can learn fast. But I have one problem and it was the major problem was money to go to school. So after that I was trying to find a way to go to school and in October 2014, MacDonald came to my church, the Bethel Christian Center, and offered to help people to get back to school regardless of your legal status in the U.S. I asked for his contact and then we made an appointment and discussed about the options that were available to me. So I am an asylum seeker and my case is still pending. So I'm not available for FAFSA and all the financial aid and many of the scholarships. So I didn't give up. I wanted to find a way to go to school. So with that we tried to find how we could like find a way to go to school. So I heard about the Rockefeller Scholarship from Portland Adult Education and I talked to MacDonald about it and then he helped me fill out the forms and it worked over my personal statement because applying for scholarship was new to me because in my home country we don't have scholarships and other stuff. So after that I got in July 2015 I got the scholarship. I was granted the scholarship and received an amount of $3,000. In September 2015 I started at SMCC in a pre-engineering program. I still needed about $1,000 to study full-time as I wished. I applied at SMCC. They have other small scholarships that I learned from my advisors and I got another scholarship of $1,000. I've been attending SMCC for two semesters and I'm doing great. I've been taking five classes every semester and I've been able to afford other costs thanks to the scholarships that I got. My GPA is 3.85 and I'm expecting to graduate in fall 2017. I recently got an email from the Rockefeller Scholarship encouraging me to renew my application for next year and I'm looking forward to doing it. I want to encourage anyone who feels the importance of education to seek a way to never give up. I want to encourage also and to thank people who are willing to help immigrants to get educated. There are many asylum seekers like me who would love to go to college but because they do not have access to scholarships they cannot. I would advocate to many sponsors to support a scholarship found to give these asylum seekers an opportunity to assess higher education and realize the American dream. Thank you. Thanks Adele. That's tough to follow. We could just take a moment if there are any other students current or former in attendance if you would take a moment and stand up please. We'd like to recognize you. A few came all the way down from Lewiston. He would please. Thank you all. Thank you very much. It's now my pleasure to introduce Claude Roganji, our founder and executive director. In leading CFL Claude has tirelessly advocated for the economic and education economic education and integration of new manors. He's formed strong connections with political educational business and community leaders throughout the state. He's probably the most connected man I know and he's been here a lot less long than I have. We're really pleased and honored to have so many of you here tonight in recognition and tribute to Claude and his vision for CFL. Claude is a graduate of USM and recently, relatively recently, received his MBA. Among his other public service activities, he's a member of the Portland Chamber Board of Directors, the Financial Literacy Advocacy Council and Invested Housing's Home Ownership Advisory Committee. Please join me in welcoming Claude who has a few words to say to us all. I'm not sure about a few words. I'm not sure about that but thank you, Mike, for a wonderful introduction. Let me say that I'm very pleased and honored to have all of you here tonight. It's a pleasure every year when I see so many faces coming to support our new manors and support specifically community financial literacy in this work. I also want to thank those who are here for the first time. It's wonderful to have new people year after year. I'll tell you that this year it's a record. We're expecting 150 people but we got more than 200 registered for this event tonight. I want to also acknowledge my friend Cheryl from Vermont and her husband. They are here. They came to be with us in this event. Thank you for coming. It's very hard to be in my position as an executive director year after year to continue to raise money that we need for the program but as well as to continue to provide the services that we do. However, it's wonderful to have all of you on our side. That's the only reason why we continue to be so successful. I want to take a moment to acknowledge all our donors, our partners and many volunteers who continue to work for this organization and support the organization. I will ask you to pick up an annual report to learn more again because they will try to cut my time so I can't speak a lot about what we do in just a few minutes. But please feel free to get an annual report on your way so you can learn more about community financial literacy. I want to acknowledge the sponsor of this event. So please let me ask my friend who is on the system here to project so that you see. Please hold your applause until all the names are being read so that we can acknowledge all the sponsors of this event tonight. We had a main credit union league as one of the gold sponsors. We also have the Sea Dogs. Can you believe that the Sea Dogs, a team, a sport team, just coming to support also the work of CFL. This is great. They are moving. Thank you. All right, we have also our silver sponsors, the Bath Savings, Berry Dunn, Bidefoot Savings, Costco Federal Credit Union, Seaport Credit Union, Clark Insurance, LL Bean, MAMIC, RM Davis, System Engineering, UBS, Family Wealth Management Partner, UNAM, Vigilent Capital Management, LLC. Yes, those were the silver sponsors. Now we are going to go to the bronze sponsors, Oro Europe, Avesta Housing, Capitalist World, CEI, Coastline Credit Union, Coffee by Design, East Brown and Idex. And finally, we have the Poland Financial Group, Brady Flattery, Town and the Federal Credit Union, TreeCorp Federal Credit Union. Please join me to thank all these sponsors. And then also, we had Norway Savings and also, K-Boards also who helped with this event. Thank you very much, all of you, for your support. Again, also want to recognize my staff. We have a very small group, but one thing that we have in common that I like about them, they are so passionate. They love this work and they feel committed to continue to saving their fellow immigrants. And those Americans also own our staff. Every time when immigrants come, they smile to them, they feel so good. I'm not sure if you have any visits to CFL, just try to come to our office. By the time you open the door, you'll see Mara she'll be smiling for you. And we have also a wonderful board which does a wonderful job. I cannot tell you that many organizations are jealous because of my wonderful board. It's so talented, skilled, and I cannot tell you. But please, let us ask them to wave your hand, the board and the staff, where they are so that you can know them and recognize them. Thank you, thank you, thank you. I also want to thank specifically Hada who made this event special. She worked so hard so that we can have a wonderful event. Despite all her full-time job doing her grant writing and among many other things but she was able to put this piece together with Mara. Again, please, if you can give them applause. Thank you so much. Finally, I want to thank my own family. I work sometimes 60 hours but they still support me anyway. One thing that I always ask myself every time when I go home at 5.30 my kids always ask me, Daddy, what happened today? And I'm so guilty to see that I can work always late. But thank you, my wife's parents and the boys and the daughters and my mom was here, my brothers and I always support as always. Thank you so much. For those who are new to community financial literacy CFL provides financial education, financial coaching, financial counseling and higher education. It's something different from where we come from. And that's why we are unique at community financial literacy because immigrants serving other immigrants. When they come to us it's even the best based on our own experience. Based on the things that we have gone through. That's why we see so many people coming back and say we need more education from you guys. As you heard Micah talking about, last year we provided services to almost 400 individuals and family members coming to us for coaching, counseling and also higher education. And I cannot do this myself or my staff without all your support. We thank you. I can say that in the last seven years we have served more than 2,000 individuals in our services. In 2015 it was not different as you hear me speak year after year that we're going to continue to expand our services. I'm pleased to say that we entered into a collaboration with the Corporation for Enterprise Development known as CFED from Washington DC a national nonprofit based in DC dedicated to expanding economic opportunity for low income families and the communities in the United States. And this is a milestone for us. We're no longer a local nonprofit we want always my dream is always to expand and we want to continue to do so and I tell you my secret the secret that I have used but don't tell anybody just special because you are here. CFL has found the only way of success is through partnerships and that's how we have been doing it that's why we're so grateful to have so many not only partners sponsors but people who are willing to support this organization and support the new men who have chosen men as the second home country. So we want to continue to expand our mission beyond just what we've been doing. Last year we did a survey and a focus group we realized that there are many new men who are under banked but also unbanked so CFL with many other partners are working to see how we can help people and the best way to solve that issue is through partnership between a financial capability organization and the financial institutions so we'll be working to look into that. With that let me introduce our speaker today. Last year I went to Augusta and I met the attorney general a person was very dedicated to the financial literacy financial services to many men including our new men. So I spoke to her I called her and said would you like to come and speak for us about the topics of financial literacy and the role that the immigrants can do in Maine. She said I'll be happy to. So please I don't want to put something in her word I want to introduce the attorney general Jenny Mills to come on the stage and give her the presentation. Thank you. Thank you very much Claude thank you for all you do I'm so impressed more than 2,000 individuals served and trained and to become a full partner in the Maine economy I can't be happier to hear that kind of news. Now you may wonder why is the attorney general here I mean I go out and we're prosecuting murder cases we're trying to advise the governor and keep him out of court things of that sort this is sort of a reprieve for me I guess in a way but you know I'm so enthusiastic about this program and we have a very vibrant consumer protection bureau where we try to participate in financial literacy programs and I am pleased to say that with Senator Justin Alfon's help we just two weeks ago allocated one and a half million dollars out of the standard and poor's settlement from a year ago to the jobs for Maine's graduates program we are we are fully convinced that consumer literacy and financial literacy is the way to go that every person graduating from high school should know how to not only fix a toilet and fix a flat tire but balance a checkbook and use the computer know how to look at debt reasonably in an educated and well informed fashion and continue their education without going into extraordinary debt so I was interested in learning about the organization also we are very concerned the average American credit card debt is about $15,600 that's the average credit card debt in Maine it's about $5,000 that's still high considering the cost of living in Maine the United States consumer debt in January of last year was $3.3 trillion $3 something trillion consumer debt $2.5 trillion was non-revolving debt non-credit card $887 billion was credit card debt so we're not necessarily getting the word out there in terms of financial literacy about 13% of Americans do not have health insurance and that creates a great deal of debt and when as you know one of the biggest reasons for debt is medical expenses that cause half of all bankruptcies in the United States and foreclosure filings our office was part of the litigation that resulted in the massive national mortgage settlement four years ago and we were pleased to be one of the primary plaintiffs in that case some years before when I was attorney general before and that resulted in money coming into the state of Maine to help with foreclosure relief oh there I am looking at myself yow who's that on my shoulder but we are concerned that 68% of Maine college grads come out of college with significant college debt and that the average student loan debt that they come out with is over $30,000 and so that causes me to be very concerned about financial literacy and to be more of a partner in these kinds of programs the in addition to the JMG program that we have supported with the legislature's help we're also partnering with something called Everfi which will be available to all the high schools in the state of Maine to promote financial literacy teach kids how to do basic banking teach them how to plan for college in a financially responsible way teach them about credit card debt and about budgeting basic budgeting so we're using our settlement monies for those kinds of programs and hoping to make Maine is all Maineers new and old literate and educated and responsible citizens you know Claude wanted me to talk about new Maineers in particular and I read Charlie Colgan's information that he presented a couple years ago to this same group or similar group and it was very informative and he pointed out that half of the new Maineers coming here have bachelor's degrees or graduate degrees an invaluable resource and more than half are young I mean between the ages of 18 and 44 then I re-read Jim Tierney former Attorney General Jim Tierney's remarks about new Maineers and the need for diversity in Maine's population and in our workforce and we all know that Maine is an aging state the greatest state in the country we need new Maineers we need to diversify our population in our workforce and we welcome you and and I'm so delighted that a program such as this is helping inform and elevate and educate new Maineers in Portland and Lewis and Auburn to be the kinds of citizens that you know you can be and we want you to be because we need you now I thought I'd sidetrack a little bit and talk about the consumer protection division of the Maine Attorney General's office because we do a lot of information gathering it seems to me part of being a financial responsible citizen part of financial literacy becoming a smart consumer so I want to do a short power point about consumer what I talk about a lot because I don't think you can talk about it enough and that is preventing scams financial scams and involving yourself in being a smart consumer maybe this can become part of Claude's program educating new Maineers because I give it quite a bit and if I knew how to work the clicker I'd give it now like the arrow right cool smarter than I thought so the Attorney General's consumer protection division receives consumer complaints of a financial sort and of a business sort every day we receive actually hundreds of consumer reports and complaints and we maintain a database to see what's going on in the state of Maine what's happening to consumers are we losing money and how can we better protect consumers we make referrals to civil or criminal enforcement agencies whenever appropriate remember there was a car dealer in Bangor a year and a half ago we went after we brought a class action lawsuit and put them out of business and we've got restitution to thousands of Maineers who bought used cars from that individual that's the kind of lawsuit we get involved in somebody's been to Bangor and bought a car there huh so we keep a database and we share that with the FTC the feds and this is the kind of scams the kind of complaints we've gotten last year last year we got 12,885 complaints and most of these phones are operated by volunteers consumer mediators and volunteers who answer the phone so 12,885 contacts emails and telephone over a thousand cases were open for mediation we do consumer to business mediation and we get a great deal of satisfaction for the consumer and for us we closed 730 mediate cases last year and returned $576,000 to Maine consumers through this consumer mediation program and I'm not going to go into detail about these kinds of complaints but these are the categories we see the lottery scam right now the IRS scam it's everywhere I'm getting called allegedly by the IRS you know seriously in my office I don't think so people calling and there's a very aggressive scam and I want every one of you to be aware of this and don't let anybody you know answer the phone if somebody on the other line says it's the IRS or it shows that it pretends to be the IRS on caller ID because they manipulate caller ID routinely the IRS will not call you and if you pick up that phone you engage those people even for 10 seconds they will call back and call back and call back they're merciless don't answer those calls I had one person come up to me say Janna I got a call from the IRS and I said no you didn't yes I didn't I know it's not from the IRS I guarantee it's not from the IRS oh okay you sure I'm positive he said okay because you know I did do a little under the table work last summer I might owe the money that's between you and the federal government you know but then I got to call you on that they got better things to do frauds and scams are everywhere be suspicious be cautious use caller ID when you have a landline or cell phone either one and sometimes people call you pretending to be somebody else that's kind of routine and if you answer the phone and you think it's a scammer don't engage them if they know they've got a live person they'll be relentless and calling you back they may not even come out and ask you for money they'll come out and say we're just calling to confirm a few details about you and they're going to try and get information from you and steal your identity and steal the money out of your wallet no bank no doctor no police department no insurance company is going to call you and ask you for personal financial information they already have it they don't need to call you and get it from you and if somebody calls and says you owe them money say well send me a bill do not wire money to anyone you're not familiar with and sometimes people call you and pretend to be a relative maybe in a foreign country and this has happened to some very well educated people people I know got scammed by phony calls and e-mails saying well I've been robbed I'm in Portugal and I need a thousand dollars to get home those are common common scams and then they'll say don't tell anybody else because I don't want anybody else to know it's a very common scam to get the word out for people not to get taken because once the money goes out the door it is gone for good so if somebody you're not familiar with asks you to wire money that's a big big red flag oops and that's who you can report it to don't respond to messages that ask for your personal or financial information something called fishing is when they send pop up messages to you or phone calls they claim to be a business like TD Bank they claim to be the police department they claim to be the courthouse I've got a phony Janet Mills Facebook there's a fake Janet Mills who has a Facebook page who's soliciting people to give the money to give her money to get federal grants I mean they're unscrupulous me come on so when you get a message a pop up message that tends to be a business that you're familiar with don't click on the link or reply delete delete delete use antivirus spyware stuff antivirus software in a firewall and update there regularly all right don't respond to messages that ask for your personal financial information robo calls we all get them guess what they're illegal is it not much you can do about it we report them to the FTC yeah or the fake auto auto warranty call the warranty in your car is almost up what if I don't even have a car they don't know they make it up any excuse to call you and get you on the line hang up do not press one do not press any number because they will come back and come back and come back report the call to do not call registry don't agree to oh this is an interesting common scam like you're on craigslist or something and you think you've sold something that you've been advertising for sale and you get a check that's more than the amount you were trying to sell it for and then the person the alleged buyer will say just wire the balance to a third party and that's for shipping they've given you this bigger check and you put it in the bank guess what it takes more than two hours to clear that check and you've wired your money out and that check is no good it's a very common scam I want everybody to be aware of don't do it just don't wire money unless you really really know somebody that needs it so finally the financial protection Bureau CFPB in Washington is a great resource for financial literacy and consumer protection consumer finance as you all know or you should know federal law the Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transactions based on certain characteristics including race or color religion or national origin and many other things so if you feel you've been discriminated against on an extension of credit or banking there are remedies for that let's see yes home finance too yes alright check your credit report you don't have to pay to get your credit report this is a common misunderstanding there are people advertising on TV saying get your credit report through us just send us a check you know don't do that this is the annualcreditreport.com is where you get your free credit report and if there's an error then you report it to consumerfinance.gov or the main bureau of consumer credit protection so that's an identity theft finally not uncommon for somebody to steal your identity it has happened to me I've had credit cards stolen and the credit card companies are now being very astute in letting you know that there's been some transaction in a state where they didn't think you were present and you can report this as indicated FTC or us and if you want any help with a consumer issue or have financial issues questions that we can help you with this is our number 1-800-436-2131 the main attorney general's office we're here to serve the main consumer protection division of the AG's office now I know there's a lot of talk about the immigrant population there's a lot of bad feeling on some people's parts I don't share that bad feeling and most of Mainers do not most of us are happy to have you here we want you here and we want you to stay 50 years ago Senator Ed Muskie gave a speech and he ended it by saying the road to eventual world peace does not lie in a treaty between governments treaties don't remove the inherent distrust of each other that exist between nations if we're to treat our fellow man with kindness and respect recognize the rights of our neighbors in short supply in short, apply the golden rule do unto others we will be on the road to world peace that's what the message I'm here to bring that we wish you to become a full partner with us and a full part of our economy and our social structure you are the hope and the heart of our future you are new Mainers thank you thank you so much and we are so happy again to have you and we take your warm welcome with our old gratitude or I'm sure that all new Mainers are very happy to hear that message thanks a lot and I guess she lent me some of her time so I can take more time so as we are getting toward the end of our service tonight we want to actually recognize some of the organization individuals who have been so helpful to our organization to the population the community that we serve as well CFL has always at the annual celebration provides three different awards we have a volunteer of the year award a commitment to service award and outstanding community partner award this year our volunteer of the year award goes to Melissa and Hangeire this is one of the surprise award we always give each year because we do not want to tell them how powerful and how for they are helping the organization Melissa joined our organization in Balashia and she did as she was covering the office but she went beyond just her assignment to even become an interpreter for her peer student in a classroom so again thank you very much Melissa we are so happy that you were able to do this do you want to say something thank you just to say thank you for CFL to give me that opportunity to help them and help myself get some experience thank you for those who work with the non-profit you know that you cannot succeed with that of volunteers and I know it was fighting with the Polanda Dalai education that I stole Melissa from them and I said no I just lent it hard to myself though I can give it back when she's ready the second award which is a commitment to service award I'm very emotional to say this you heard what Adele said today when she came two years ago she could not speak English but she had one place to go it happened to me in 1996 when I came here I couldn't speak a word in English to be honest with you but again I had one place to go when I started CFL the first person who took me and say I'm willing to work with you and partner with you with the same organization was Polanda Dalai Education I remember back at Douglas Street when the meeting I was holding a pamphlet which I called the brochure and I told Rob Wood that this is an organization I'm going to stop from nowhere without any additional marketing he said I'm going to work with you and I'm going to support you the first organization not only that gave me life and the place to start was PAE and today they're still doing hope they're still giving hope to many no menace you cannot imagine when you go to a foreign country when you can speak a language how hard that can be when Rob Wood retired I said maybe this partnership is going to go away but Rob Wood's legacy was left at PAE when Beth Kemble took over she said I'm with open arms that will continue to work with CFL and the no menace thank you Kemble let me ask Kemble to come and with her team to receive this award with a big applause please for this organization it's with great pleasure and humility that I accept this on behalf of Portland and Delta as you can tell this partnership started long before I arrived and Clement and Claude are part of our team and we're happy to provide this service it's embedded in our programming and it will continue Claude and I work together all the time we're thought partners we're very happy to partner each of us get something out of it each of our organizations get something out of the partnership and that's really the true spirit of partnership the staff from adult debt is in the audience tonight and Rob Wood is here I have to say that when I took over from Rob Wood and then Claude took a bit of a hiatus Kevin and I had to figure out what was happening but we figured it out and Claude came back and gave us some guidance and I'm just thrilled that this partnership continues and thank you you can see that we are building a movement of partners and that's how you remember the secret that's where we have taken our success finally the Outstanding Community Partner Award I would love to call Senator Justin Alphon to come forward so that we can give this award together two years ago we were struggling at CFL to figure out how to continue to work and deserve the new manners not only with the financial literacy but also with higher education and to help people like Adele to give them an opportunity for higher education I didn't know where to go but I found a man who could guide me and show me the place Justin not only that is a good friend of mine he opened his house for my family and I to go and have good time with them because he believed that the new manners that we are really can make a huge difference in his home state he took me and said we need to go and find a place where we can find a true partnership and it didn't take long we started as a conversation between the two of us and of course the board and the task force I'm sure Greg remember the task force that we put together to look for additional funding with you Justin Alphon was part of came together and that was the beginning of our relationship with the financial authority of Maine today I'm pleased to see that our relationship and partnership is stronger than just a word so the outstanding community partner award goes to financial authority of Maine we started as a conversation became real and together community financial literacy and the financial authority of Maine are pleased to work together to make a difference in a new man's lives and a few months ago I met with Bruce Wagner the CEO who was very humble to come to my little office just to share by this partnership again please let us welcome Bruce to come and receive this award and then you're going to say well so at fame we thought it was our secret to success to have great partners somehow the secret got out but we've got a big job ahead in this state and we think about fame's reason to exist our vision is to create great paying jobs for the citizens of Maine and our particular way to do that is we have a push pull strategy we want to promote education so that Mainers have the skills to take on and fill the requirements of our economy in the future our good jobs are there and we have a great economic development program that supports that if I look at what's happening right now in the last three years we've actually lost about 25,000 people from our workforce but to meet the economic requirements of our future we need about 60,000 more people by the year 2020 so I don't see any better way to do this than through what we're doing right now through the community's financial system and the excitement that we have in trying to help new Mainers come in and join the main workforce you really echo the Attorney General's comments you're all more than welcome and anything we can do to help is coming thank you thank you very much and now I can handle back the microphone to Mike so probably the best words of any presentation thank you thank you all for coming tonight for those of you who've supported CFL generously, volunteers donors, sponsors if you'd like to become a donor please see our website CFLME.org just briefly I would like to again thank Attorney General Janet Mills Senator Justin Alfond Portland Police Chief Paul Pavlock City Councilors John Hink and David Brennan Carol Pavlock from Senator King's office and again all of our sponsors from this evening thank you very much there is a wonderful buffet dinner there's plenty of drink please mingle, please enjoy the evening and Clamont you have one last announcement to make thank you all again for your support thank you all for coming for tonight but I have a few announcements to make Seedog the Seedog in partnership with food is not ready yet all right we have few announcements the Seedog in partnership with CFL invites all the new manners to the second new manner event at a Seedog game on May 15th at 1pm and Seedog has given us 250 tickets to give to people during the game we will have free food and volunteers from Seedog who will be there to explain to new manners the rules of baseball I remember years ago I went to a Atlanta states game I spent 4 hours I didn't understand anything except how to order beer and a hot dog so if you come on 15 on the 15th people will be there to explain to us how the game of baseball is played and the last announcement is on June the 4th it's a world refugee day it will go from 1pm to 7pm at King Middle School on Deering Avenue June 4th we have a world refugee day everybody is invited I want to take this moment to thank CTN Community Television Network who are here today to cover this event and I want also to thank especially my students who came all the way from to come and participate into this event thank you last by least we want to thank the ladies who cook it will be a tasteful food tonight and give them a round of applause thank you enjoy the food please network with people who are here and thank you for coming