Ashlee Chisholm

8737 Frontenac Street Unit 8 ▪ Philadelphia, PA 19152 ▪ 412-477-4284

email: Chisholmas@gmail.com ▪ portfolio: www.AshleeChisholm.com

I'm Failing Out Of College

During his first few years of college, Jason Williams did not believe he had the intelligence and
talent to complete his degree, resulting in a low GPA of 1.9. “I lacked focus, and was unsure of
my abilities to raise my grades,” Jason said. A minimum GPA requirement of 2.75 for Temple
University’s study abroad program in Rome motivated Jason to focus more on his classes. By his
junior year, Jason made the GPA requirement and was able to fulfill his dream of studying in
Rome for a semester.

After his semester abroad, Jason became more involved in the Temple community by attending
career-related conferences, serving on the Fox School of Business’ College Council as the Treasurer, and joining the
American Marketing Association. Jason plans to graduate in the spring and currently maintains a 3.0 GPA. After graduation,
he plans to enter the field of database management and is entertaining the idea of graduate school.

When asked what advice he would give to failing students he said, “Stick with it. Raising your GPA is one the hardest things
you can do, especially if you are discouraged…it took a while for me to dig deep and realize I can do it.”

Whitney Williams (no relation) faced the same discouragement as Jason in the beginning of her college career at West
Chester University. She struggled with lecture style teaching and eventually stopped focusing on her studies. Originally from
Philadelphia, the environment at her university was a major adjustment as well; there is no public transportation, very few
social events and the closest city is inaccessible without a car. After her freshman year, Whitney’s GPA plummeted to a
dismal 2.4. Unhappy with her GPA, she became depressed and missed her friends and family in Philadelphia. Whitney did
not feel she would be able to reach her full potential at West Chester University, so she transferred to Moore College of Art
and Design, where she majored in illustration.

Transferring to Moore was the best decision I’ve made in college,” said Whitney. Upon arrival to Moore College of Art and
Design, Whitney loved the beautiful campus and the charismatic professors who helped her reach her full potential. It was
because of Moore’s professors that Whitney discovered her love for design; after this discovery, she began to take school
more seriously.

Whitney felt that college life at Moore was much more diverse and vibrant than
West Chester. There were numerous student organizations that piqued her interest
and she also liked that Moore offered students opportunities to get their artwork
published through different venues such as their annual magazine More, a student
run gallery and local art galleries.

Whitney quickly learned from her ambitious peers that interning was the best way to
learn more about illustration and design. Taking her peers’ advice, she started interning with several event-planning
companies in Philadelphia, while raising her GPA to a 3.1 and serving on the student judiciary board for two years. Whitney
recently graduated with a Bachelor of Arts and plans to attend graduate school.

Havelock Ellis once said, “It is on our failures that we base a new and different and better success.” Jason and Whitney
embody Ellis’s statement; though at one point their college careers seemed bleak, their failures ultimately influenced them to
switch schools, travel to a foreign country, take on internships, improve their grades and graduate.

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Ashlee Chisholm
8737 Frontenac Street Unit 8 ▪ Philadelphia, PA 19152 ▪ 412-477-4284
email: Chisholmas@gmail.com ▪ portfolio: www.AshleeChisholm.com

Bank Promotes Vermilyea, Mucerino

January 14, 2010

For immediate release

Contact: Katherine Dibling, E-mail senior media representative, (215) 574-4119

Philadelphia, Pa. - The Federal Reserve Bank of Philadelphia today announced the promotions of Todd Vermilyea to vice
president in the Supervision, Regulation and Credit Department (SRC) and Robert F. Mucerino to assistant vice president in
the Treasury Services Department.

Vermilyea, who had been an assistant vice president in the Bank's SRC Department, is responsible for retail risk and bank
surveillance operations. In 2009, Vermilyea was a key contributor to the Supervisory Capital Assessment Program, known as
the "stress test." This "stress test" was administered by federal bank supervisors to the nation's 19 largest bank holding
companies to ensure they would be able to weather a severe economic downturn. Prior to his arrival at the Bank in 1987,
Vermilyea was a financial economist at the Office of the Comptroller of the Currency in Washington, D.C. Before that, he
spent a year teaching economics at Odessa State University in Ukraine. He received his bachelor's and Ph.D. degrees in
economics from the University of South Carolina.

Mucerino, who had been treasury services officer, is responsible for developing and implementing the Treasury's Collateral
Management and Monitoring system. This initiative streamlines the government's collections and cash management
functions. He is also responsible for the Legacy Treasury Direct system. Mucerino has worked in the Federal Reserve System
since 1979, when he started in the Savings Bonds Department. He holds a bachelor's degree in business administration fro m
Temple University.

The Federal Reserve Bank of Philadelphia helps formulate and implement monetary policy, supervises banks and bank
holding companies, and provides financial services to depository institutions and the federal government. It is one of the 12
regional Reserve Banks that, together with the Board of Governors in Washington, D.C., make up the Federal Reserve
System. The Philadelphia Federal Reserve Bank serves eastern Pennsylvania, southern New Jersey, and Delaware.

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