DATE: 24th April, 2016 TIME: 1:30 to 4:30 PM LOCATION: Arbab Rostam Guiv Dar-e-Mehr, 6900 Halifax Street, BURNABY, BC V5B 2R5 We thank ZSBC B of D & Trustees of Arbab Rostam Guiv Foundation BC for use of the facilities. ATTENDEES: Total 22, including Speakers (M) = Members Dr. Farah Shroff (SPEAKER) (M) Murzban Eruch Chinvala (SPEAKER) Lorelei Tolosa (SPEAKER) (M) Nevill Bhagat (M) Fariborz Rahnamoon (M) Firdosh Mehta (M) Behramsha Mizan (M) Rostam Sasani (M) Arian Sasani (M) Kayras Irani (M) Homi Italia (M) Perviz Madon (M) Pesi Balsara (M) Percy Billimoria (M) Aubtin Yazdgardian (M) Farah Mistry (M) Kerman Kasad (M) Ruzbeh Lalkaka (M) Kersasp Bharucha And other non-members. The meeting was called to order at 1:30 pm and chaired by Firdosh Mehta. Firdosh recapped the previous meeting issues and invited younger members Kayras Irani, Aubtin Yazdgardian and Farah Mistry, to introduce and present gifts of appreciation to the speakers. 1:45 PM Presentation by Dr. Farah Shroff, PhD. Dr Shroff, is the principal of Shroff Consulting, and a part time faculty member at the UBC Department of Family Practice and School of Population and Public Health. She is also a teacher of yoga, dance and other movement arts. Her passions are about making the world a healthier place and her consulting and teaching emphasize the limitless possibilities for mind-body wellness. She has recently started a project to improve infant and maternal health in India. Farah’s Consulting firm has worked in the area of public health, social and educational issues, focusing on research, writing, facilitation, training and more. She gave us an overview of her early days growing up in a Parsi Colony in Mumbai. She talked about how Shroff Consulting emerged around the time of birth of her son Zubin, and how working from home as a mother helped care for her children, as well as consulting and part time university professor. We heard about the benefits of being self-employed and the rewards of self-marketing, as well as how to cope with the challenges of the feast and famine days in life. She discussed her latest ventures into real estate investing and shared how opportunities can be found. She talked about the applications of various Social Media, such as LinkedIn and others, and how they can be utilized in her work from home. 2:30 PM    Refreshments – Tea/Coffee, Pop, Spanakopitas, Chicken Nuggets, Cake and Coconut macroons. Rashna Mehta looked after the procuring and preparation of the refreshments. 2:45 PM    Presentation by Murzban Eruch Chinvala Murzban’s power point presentation was on “Mortgages – An insider’s viewpoint & all you need to know about it”. He provided insights on how one can save money and avoid making costly mistakes on our biggest debt, usually in homes. Being a mortgage professional with Dominion Lending Centers’ Clear Trust Mortgages, with access to various sources of funding from big banks, monolines and private lenders, Murzban explained the pros & cons of various funds. Murzban was Finance Controller of Canada’s largest private post-secondary education group before migrating to Canada, Murzban was Head of Finance & Member of the Board of Directors of GlobeOp Financial Services (I) Pvt. Ltd., a leading fund administrator co-headquartered out of London & New York, having USD 190 billion of assets globally. Prior to that he was Head of Finance for Yahoo in India having been employed with the company since its initial stages. He was also instrumental in playing a lead role in the incorporation and registration of Yahoo’s global Software Development Center in Bangalore, India. Murzban explained how he became a licensed mortgage broker with certification from University of British Columbia’s Sauder School of Business. In addition, he is a Commerce graduate, has an MBA with specialization in finance from Australia and is a Chartered Accountant from the Institute of Chartered Accountants of India. He presented various scenarios of mortgage funding with charts and some hands-on activities, weighing different parameters applicable to mortgage funds. 3:45 PM Presentation by Ms. Lorelei Tolosa Her background has been in the entertainment and film industry where she spent 10 years as a production coordinator. An event led her to go the entrepreneurial route, a decision she’s very happy to have taken. Lorelei shared her story about her journey as an independent distributor of a personal franchise system in areas of whole-food nutrition and wellness, which is being marketed in 60 countries and discussed opportunities available to our members wishing to pursue this either full-time or on a part-time basis and create residual income. She helped us understand the over-all health benefits of using a unique plant based product from South East Asia and many other parts of the world. Brochures and her cards we made available to all. As an independent distributor, Lorelei’s business excelled quickly qualifying her for the award program in just a few months. She gave us an insight into her role as a major leader and trainer, building and supporting distribution teams globally. There were 5 new memberships added for FY 2016 at this meeting, to bring the TOTAL so far to 16 Individual + 1 Student. We would appreciate some Corporate memberships also. The following will be the newly elected Board of BC Chapter for 2016: Homi Italia Fariborz Rahnamoon Perviz Madon Firdosh Mehta Percy Billimoria Nevill Bhagat And the following will continue as the executive for 2016: Fariborz Rahnamoon (Chairman) Homi Italia (Treasurer) Firdosh Mehta (Secretary & Program Coordinator) Firdosh informed those present about the upcoming WZCC North American AGM, on 29 APR 2016, in Michigan, in conjunction with FEZANA AGM. Chapter Chair Fariborz Rahnamoon is scheduled to attend. Further details available next meeting. 4:45 PM    Firdosh thanked the Speakers and all who attended for their support. The meeting was adjourned and attendees were requested to further partake of the refreshments served, and encouraged to engage in networking. Fee Structure for 2016 year is : Corporate (Business, with 2 individual members)…. $ 50 Individual  (1 each)……………………………………………..$ 25 Student (1 each) …….…………………………$ 10 This was our second meeting for 2016. The next meeting is scheduled for 5 June 2016. Minutes Prepared by: Firdosh Mehta Date: 27 April 2016   Here are some photos of the meeting which we hope you will

DAY:   Sunday 11th September,  2016  TIME:   1:00 to 5:00 PM LOCATION:   Arbab Rostam Guiv Dar-e-Mehr,                                       6900 Halifax Ave.  BURNABY, BC V5B 2R5 We thank ZSBC Board of Directors & Trustees of Arbab Rostam Guiv Dar e Mehr BC.   PROGRAM:   Please email fdjmehta@shaw.ca  or call 604-544-8983, and confirm attendance by Friday 26th AUGUST, 2016.   1:00 PM     Arrive and Register   1:30 PM     Presentation  by:    Mr. Andrew Peck                        Andrew Peck is President-Elect of CREA for 2016 having served on the Board of Directors for the past six years.  Andrew is a fourth-generation British Columbian who has spent his entire career as a REALTOR® in the Metro Vancouver area. First licensed in 1983, Andrew became a managing broker in 1987. In 1996, he merged several companies to form Royal Pacific Realty Group – serving Metro Vancouver. Andrew is now the broker owner, vice-president and general manager, overseeing over 1,200 licensed REALTORS® and a staff of 30. Since 2001, Andrew has been a part of the Real Estate Board of Greater Vancouver, first becoming a director, serving on task forces and committees, then vice-president in 2003 and president in 2004.  In 2007, Andrew was elected president of the BC Real Estate Association. Andrew enjoys assisting Boards with progressive governance, teaching leadership courses for CREA and mentoring YPN members.   Topic :  “An update on what is happening in the real estate markets across Canada and some highlights about the market in the Greater Vancouver area.”                                           2:30  to 2:45  PM   Q/A, Discussions   2:45  PM    Refreshments – Tea/Coffee         No charge for refreshments   3:15  PM     Presentation  by:  Mr.  Rob Gawthrop, CFP, CLU, EPC Gawthrop Financial Group Inc. Customplan Financial Advisors Inc.   Topic:   Important Financial and Life Lessons learned from “The Richest Man In Babylon”   Taking some of the valuable lessons from the best-selling book “The Richest Man In Babylon” by George Clason, Rob will discuss and explain how the right knowledge, guidance and actions along with personal determination, can help you develop sound financial plans for your business, yourself and your family.   Rob will also explain the importance of systematic savings, asset accumulation, access to capital, minimizing taxation, protecting what you have, and leaving a legacy.   4:15  to 4:30  PM   Q/A, Discussions   4:30  PM     Vote of Thanks. Speaker appreciation.   4:45  PM     Future program announcements and speaker selections   5:00  PM     Adjourn meeting   Current Board members of WZCC Vancouver BC Chapter for 2016 Fariborz Rahnamoon  Chair Homi Italia  Treasurer Firdosh Mehta  Secretary & Program Coordinator Perviz Madon Percy Billimoria Nevill Bhagat   Even if you cannot make it to the meeting, we would like your response to Firdosh Mehta by email: fdjmehta@shaw.ca  or call 604-544-8983   Please let us know: Would you be willing to become a Member of this Chapter? Would you be willing to work on the board or a committee of this Chapter?   For more information on WZCC Chamber…….. visit  www.wzcc.net Thank you for your interest in WZCC. Firdosh Mehta WZCC BC Chapter Secretary & Program Coordinator

MINUTES OF THE MEETING DATE: 11th SEPT, 2016 TIME: 1:00 to 5:00 PM LOCATION: Arbab Rostam Guiv Dar-e-Mehr, 6900 Halifax Street, BURNABY, BC V5B 2R5 We thank ZSBC B of D & Trustees of Arbab Rostam Guiv Foundation for use of the facilities. ATTENDEES: Total 42 including Speakers The meeting was called to order at 1:30 pm and chaired by Firdosh Mehta. He updated members of past meeting issues and thanked everyone for the unusually large turnout. Meeting started with a Presentation by: Mr. Andrew Peck Firdosh thanked Piroj Amrolia for introducing the speaker to WZCC. He proceeded to introduce the speaker. Piroj Amrolia gave us a background on her professional connections and knowing Andrew for many years. Andrew Peck is President-Elect of CREA for 2016, having served on the Board of Directors for the past six years.  Andrew is a fourth-generation British Columbian who has spent his entire career as a REALTOR® in the Metro Vancouver area. First licensed in 1983, Andrew became a managing broker in 1987. In 1996, he merged several companies to form Royal Pacific Realty Group – serving Metro Vancouver. Andrew is now the broker owner, vice-president and general manager, overseeing over 1,200 licensed REALTORS® and a staff of 30. Since 2001, Andrew has been a part of the Real Estate Board of Greater Vancouver, first becoming a director, then vice-president in 2003 and president in 2004.  In 2007, Andrew was elected president of the BC Real Estate Association. Andrew gave us an update on what is happening in the real estate markets across Canada with some highlights about the market in the Greater Vancouver area. He explained the system of Realtors’ testing and exams and the recent withdrawal of Professional Status of realtors for neglect in self-regulation and member discipline. He also explained the issues of market pressures due to large influx of “Foreign Buyers”, that is those who do not have residency status for Income Tax purposes. This has led to the implementation of a new tax on those buyers. He also discussed some agencies who indulged in Flipping of not just the properties, but the sales agreements to multiple tiers of buyers without the additional gain to sellers, with increased profiteering by Sales Agents. Firdosh summarized the talk and offered a Vote of Thanks to Andrew as a token of our appreciation. Refreshments were served to all of Tea/Coffee, Pop, Samosas, Jalaybees & assorted fruits. We are very thankful to Piroj Amrolia for bringing Sandwiches and Cake. The meeting continued with a presentation by: Mr. Rob Gawthrop, CFP, CLU, EPC of Gawthrop Financial Group Inc. and Customplan Financial Advisors Inc. Firdosh introduced the speaker with an exhibit of the book to be discussed. Topic: Important Financial and Life Lessons learned from “The Richest Man In Babylon” Taking some of the valuable lessons from this best-selling book “The Richest Man In Babylon” by George S. Clason, Rob explained how the right knowledge, guidance and actions along with personal determination, can help you develop sound financial plans for your business, yourself and your family. He stressed on what the book promoted as the discipline of SAVING and then making wise investments with those savings. Rob did this by explaining the importance of systematic savings, asset accumulation, access to capital, minimizing taxation, protecting what you have, and leaving a legacy for your family and causes that were dear to you. He guides his clients towards successful financial decisions. Rob also introduced and briefly reviewed his new book titled, “PAY CHEQUES & PLAY CHEQUES: RETIREMENT INCOME SOLUTIONS FOR CANADIANS.” He proceeded to give that book to Homi as appreciation for introducing him to WZCC. Homi requested that the book should be included in the ZSBC Library for all to read. Thanks a lot, Homi.   Firdosh summarized the talk with insight into one of the unusual investments mentioned in the book that involved the simple knowledge of heat transfer as imperative understanding for that investment. He highly recommended that all should read this book. He offered a Vote of Thanks to Rob with a Speaker appreciation gift. Firdosh thanked the Speakers and all who attended. The attendees were requested to further partake of the refreshments and encouraged to engage in networking. With no other business to discuss, the Meeting was adjourned at 5 PM. We request those who have not paid membership fees for 2016 year yet, to please do so. We welcome new members and request others to join. We would like to offer our thanks to Aubtin and Kayras for their assistance in audio-visual equipment set up and taking some photos. We have an excellent speaker lined up for the next meeting on 20 NOVEMBER 2016. Please note this meeting will also be our Chapter AGM. Announcement to follow. Minutes Prepared by: Firdosh Mehta Date: 24 SEPT 2016

MINUTES OF THE MEETING DATE: SUNDAY 11th June, 2017 TIME: 2:00 TO 3:00 PM LOCATION: Arbab Rostam Guiv Dar-e-Mehr, 6900 Halifax Street, Burnaby, BC. WZCC Directors thank ZSBC Board of Directors and Arbab Rostam Guiv Foundation for the use of facilities. ATTENDEES: Total 22 including the speaker. The meeting was called to order at 2:10 pm. Kayras Irani introduced the speaker Mrs. Fi Dastoor Since a young age Fi Dastoor has volunteered for a variety of projects and activities. Fi has been associated with CYBF (Canadian Youth Business Foundation) since 2003. CYBF is now called Futurepreneur. She was introduced to CYBF via CESO (Canadian Executive Service Organization) which she joined in 1988. Her career spans over thirty years in the technology industry. In the latter years she has her own business – Dastoor Consulting doing a variety of projects from the medical industry to the technology industry. Fi was associated with the telecommunications industry for many years. With Futurepreneur Fi has mentored quite a few young entrepreneurs who went on to run their own successful businesses. Her other volunteer activities include being an Ambassador to the Vancouver Opera and assisting them in any office/technology related work. Details of presentation on Mentorship: -What is a mentor, how does one become a mentor and what is involved in mentoring young business entrepreneurs A mentor is a person who has expertise in a specific field and enjoys assisting someone with their venture in this specific field.  A mentor is also a person who enjoys helping young entrepreneurs (age range 18 to 35 years) with their business.  Businesses, for example, could range from fitness studios, events planner, restaurant, ballet studio, setting up shops, setting up a daycare, starting freelance work etc.  Getting in touch with Futurepreneur and submitting a resume is the first steps involved in becoming a business mentor. – What are the steps involved for a mentor with Futurepreneur (business mentor) After an interview with Futurepreneur a seminar is arranged as introduction and what is expected of a mentor.  The seminar can be done on-line at one’s own pace and time. Most mentors have to have some business knowledge and basic accounting experience.  If a mentor does not have experience in certain areas that is required for a specific business, Futurepreneur will try and find a person who has the expertise and is available to assist.  This is a volunteer position and the time devoted to any project is mutually agreed upon by the mentor and mentee. – How does a mentor and protégé (mentee) negotiate a good fit When the on-line course is completed, Staff at Futurepreneur will then set up the mentor with a mentee who is starting up a business. A mentor can also be asked to help an existing business in progress.  The mentor will then set up an initial meeting with the mentee at a mutually convenient date. If both parties – the mentor and mentee – feel there is a good fit and they could work together, the mentor contacts Futurepreneur to say there is a good fit with the mentee.  If it is not a good fit another mentee will be found for the mentor to assist in setting up of the business. Government of Canada provides a loan of $15,000 without interest for two years to mentee. – What is involved for the mentor to keep in touch with the mentee Minimum time required of a mentor to help a mentee is approximately 10 hours per month for a term of two years.  In some cases more time per month maybe required and in other cases less time is required.  Contact with a mentee can be done via email, phone or face to face meetings. Every three months a report is submitted by both the mentor and mentee showing any updates, time spent and achievement to date with regard to the business. – What constitute a successful business operation Futurepreneur deems a business successful if it is still in operation after two years and also when the loan of $15K is paid back. The loan is usually paid back when the business shows a profit and the owner of the business is able to make a minimum payment. – The term and length a mentor is associated with a mentee Two years is the duration a mentor has to assist and help a mentee with their respective business. In order to assist with the business a mentor maybe asked for any type of involvement that is required to make the business a success.  A mentor should advise and direct a mentee in the direction towards making the business a success especially if it appears that the business is going off the rails or not following the business plan. – Wrapping up a contract between mentor and mentee. Just before two years, the mentor is alerted by Futurepreneur to inform that the contract is coming to an end.  The mentor may be asked to submit a final report regarding the business and whether is shows signs of being a success and if the mentee can manage on their own. The mentor is then asked if they wish to start another project with a new mentee or take a little break. The session ended with discussions, and question and answer session at 2:50 pm. Aubtin Yazdgardian offered a vote of thanks to Mrs. Fi Dastoor and presented her a book as a token of appreciation. Refreshments were served. Minutes Prepared by: Homi Italia Date: 15 June 2017