Common use of Assessment of Risk Clause in Contracts

Assessment of Risk. Our goal at New Beginnings Family and Children Services is to complete an adoption with every Applicant successfully. This occurs most of the time; however, there are those rare occasions when this is not the case. Those risks include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension, or changes to the program selected, or a denial following the initial home study approval. NB works to minimize the risks, and we are, by and large, successful. • Lost Referral. A lost referral happens when new facts or information becomes available, making it difficult or impossible for the child to be placed. Information on the child will continue to come forward before the adoption. If it indicates the child has more significant medical or emotional needs, than the family has not been approved for or would choose to accept, the Referral could be declined. A referral may be lost because there is a change in a child’s legal status, making him or her unavailable for adoption. Although rare, some reasons for this would be an error in the child’s legal documents, or a biological parent or extend family member objects to the child being adopted internationally. Lost referrals are uncommon, but NB will counsel the family through the grief when they happen. In most situations, there will be another assignment for consideration. • Program Suspension or Changes: Changes in international adoption do happen. The foreign country, the US Department of State, or NB may decide that an adoption program will be suspended, closed, or requirements will be changed. If there is a likelihood a program will close, or there are pending changes that could result in excluding your application, NB will work with you to determine the best course of action. There is usually a period of uncertainty while facts are sorted out, and options become available. Some time and patience will be needed. SAMPLE • Undiscoverable or Undetected Medical or Emotional Conditions. Some medical or emotional problems are undiscoverable when the child is placed for adoption. Regrettably, some otherwise healthy children later become ill or sick, or emotional issues can later develop or manifest themselves with age. This risk cannot be avoided. Some medical or emotional problems are undetected until after the child is home. You can reduce this risk of an undetected medical or emotional problem by using an independent medical professional specializing in international adoption. They will review the assignment information and assist you in deciding on the child’s medical and emotional health. If there is a concern, when a medical specialist in international adoption makes the request, supplemental information is usually available. • Denial After the Home Study is Approved: USCIS, the Central Authority, or possibly a judge, orphanage director, or the child all can make an independent determination regarding the adoption. USCIS will discover an undisclosed arrest, which could lead to their denial. Moreover, an arrest, a medical problem, or limited finances though approved by NB, could be unacceptable by another authority in the process. NB minimizes this risk by considers other standards and sensibilities, and, when possible, we seek pre-approval for an applicant when there is a concern. During the adoption process, if new information comes to light, such as, but not limited to an arrest, loss of employment or income, allegation of abuse, failing to disclose vital information or a change of circumstance, anger or stress management, emotional maturity, capacity for affection, marital difficulty, and mental stability are some areas that could cause NB to reevaluate its initial approval. • In Conclusion: NB tries to minimize the risk where possible. The risks of undiscovered or undiagnosed medical problems are, by definition, difficult to reduce. However, we seek to obtain quality information on the child, and if there is any concern, seek the help of a specialist. Just as everyone wants a complete assessment of the child, it is expected for the adopting family. Families need to be honest and disclose their information. Realize that you are being approved to adopt a child. It is the child’s best interest that is being served and protected. Respect the process, conduct yourself with kindness and grace, and the adoption process will be a more enjoyable and enriching experience. WE HAVE READ THE ABOVE STATEMENT THOROUGHLY AND CAREFULLY. BY OUR INITIALS BELOW, WE ACKNOWLEDGE THAT WE FULLY UNDERSTAND AND ACCEPT THE ABOVE RISKS DESCRIBED THEREIN AND INTEND TO PROCEED IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. Description Due at Fee Type Amount Application (AFP) Submission of AFP US Expenses 350 New Beginnings’ Fee, 1st part Adoption Service Agreement US Expenses 1,500 IAAME Fee Adoption Service Agreement US Expenses 500 Program Coordination, 1st part Home Study Approval US Expenses 2,500 Program Coordination, 2nd part Acceptance of the Referral US Exp., Translation & Document 1,500 Foreign Agency Fee Acceptance of the Referral Foreign, Childcare, Translation & Doc 19,500 Program Coordination, 3rd part Submission of EP US Exp., Translation & Document 3,000 New Beginnings’ Fee, 2nd part Submission of EP US Expenses 2,500 Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (add 400 if in NY) 1,700 Post-Adoption, six reports Submission of EP Post-Adoption Reports 2,550 Transportation home visit When Billed Mileage/Travel 55¢/mile, tolls, parking Social Services for families outside our service area. Fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,500 to 3,000 Post-Adoption Before travel Post-Adoption Reports 1,800 to 3,000 Description Due at Paid to Amount USCIS, I-600A filing fee Home Study Approval Homeland Security 775 Fingerprints Home Study Approval Homeland Security 85 per person Psychological Evaluation Home Study Process Psychiatrist Office 400 to 1,000 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Recognition and Re-adoption Post-Adoption Attorney’s Office 500 to 2,000 Travel and Overseas Court Notice and Travel Fee Type: Travel & Accommodations 6,000 to 9,000 Third-Party, fee type SAMPLE Total Adoption Fees, paid to New Beginnings $31,350 Social Services, (Home Study and Post-Adoption Fees) 3,300 to 6,000 Third-Party Fees 2,245 to 4,845 Travel and Overseas Expenses 6,000 to 9,000 The AFP is the Adoptive Family Profile, NB’s Application. EP is Emigration Permission. The Ministry of Health and Welfare approves the adoption to proceed to court. The Local Agency is the home study agency when NB is not providing Social Services. When using a Local Provider, we require a Post-Adoption Commitment showing that all fees have been paid before traveling. Some states charge a processing fee for clearances. We have estimated third-party costs. If you are asked to pay more than what is presented, let NB know. Travel and Overseas Expenses are for air travel, hotel, meals, and local transportation. Flying business or first class or staying at expensive hotels will cause you to exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Korea will need a name change and re-adoption. Some states make the process easy enough that an attorney is not required. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for routine express mailing; all others are billed separately. For qualified families, the Adoption Tax Credit can reduce the adoption cost by as much as $14,300. New Beginnings’ Services and AFP: US Expense (4,850) to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations. For personnel cost, staff training and development, administrative overhead, and operational expenses. Also, for coordinating the adoption process, including parent education and child- specific education, assisting in filing US Citizenship and Immigration Services (CIS) applications, pre-and post-adoption support. Program Coordination: US Expense, (5,500) for program development; monitor and oversight, training, including working with ESWS to identify a child and arranging for an adoption; receiving a referral that includes the Child’s Background Study; securing the child’s legal information to present to CIS; establishing the itineraries while the family is abroad for the adoption hearing, the placement of the child and the child’s travel visa, Translation and Document, (1,000) compiling and presenting the dossier to ESWS to be filing in Korea for emigration permission. IAAME: US Expense, (500) Pass through to Intercountry Adoption Accreditation and Maintenance Entity, Inc. for monitoring and oversight of adoption service providers. The price is 500 per child to be adopted.

Assessment of Risk. Our goal at New Beginnings Family and Children Services is to complete for the successful completion of an adoption with every Applicant successfullyapplicant. This occurs most the majority of the time; , however, there are those rare occasions when this is not the case. Those risks include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension, suspension or changes to the program selected, or selected and a denial following the initial home study approval. NB New Beginnings works to minimize the risks, risks and we are, by and large, successful. • Lost Referral. A lost referral happens when new facts or information becomes available, making available that makes it difficult or impossible for the child to be placed. Information on the child will continue to come forward before the adoption. If it indicates the child has more significant medical or emotional needs, needs than the family has not been approved for or would choose to accept, the Referral referral could be declined. A referral may be lost because there is a change in the legal status of a child’s legal status, making him or her unavailable for adoption. Although rare, some reasons for this would be an error in the child’s legal documents, or a biological parent or extend family member objects to the child being adopted internationallyinternationally adopted. Lost referrals are uncommon, but NB when they happen, New Beginnings will counsel the family through the grief when they happengrief. In most situations, situations there will be another assignment for consideration. • Program Suspension or Changes: Changes in international adoption do happen. The foreign country, the US U.S Department of State, State or NB New Beginnings may decide make a determination that an adoption program will be suspended, closed, suspended or requirements will be changed. If there is a likelihood a program will close, close or there are pending changes that could result in excluding your application, NB New Beginnings will work with you to determine the best course of action. There is usually a period of uncertainty while facts are sorted out, out and options become available. Some time and patience will be needed. SAMPLE • Undiscoverable or Undetected Medical or Emotional Conditions. : Some medical or emotional problems are undiscoverable when at the time the child is placed for adoption. Regrettably, some otherwise healthy children later become ill or sick, or emotional issues problems can later develop or manifest themselves with age. This risk cannot be avoided. Some medical or emotional problems are do go undetected until after the child is home. You can reduce lessen this risk of an undetected medical or emotional problem by using an independent medical professional specializing who specializes in international adoption. They He or she will review the assignment information and assist you in deciding making a determination on the child’s medical and emotional health. If there is a concern, when a medical specialist in international adoption makes the request, supplemental information is usually available. • Denial After the Home Study is Approved: USCIS, the Central Authority, or possibly a judge, orphanage director, director or the child all can make an independent determination regarding the adoption. An undisclosed arrest will be discovered by USCIS will discover an undisclosed arrest, which and could lead to their denial. Moreover, an arrest, a medical problem, problem or limited finances though approved by NBNew Beginnings, could be unacceptable by another authority in the process. NB New Beginnings minimizes this risk by considers other standards and sensibilities, and, when possible, we seek pre-pre- approval for an applicant when there is a concern. During SAMPLE If over the course of the adoption process, process if new information comes to light, such as, but not limited to to, an arrest, loss of employment or income, allegation of abuse, failing to disclose vital information or a change of circumstance, anger or stress management, emotional maturity, capacity for affection, marital difficulty, difficulty and mental stability are some areas that could cause NB the initial approval to reevaluate its initial approvalbe reevaluated. • In Conclusion: NB New Beginnings tries to minimize the risk where possible. The risks of undiscovered or undiagnosed medical problems are, by definition, difficult to reduce. However, we seek to obtain quality information on the child, and if there is any concern, concern seek the help of a specialist. For Review Only Just as everyone wants a full and complete assessment of the child, it is expected for the adopting familyfamily as well. Families need to be honest and disclose their information. Realize that you are being approved to adopt a child. It is the child’s best interest that is being served and protected. Respect the process, conduct yourself with kindness and grace, and the adoption process will be a much more enjoyable and enriching experience. WE HAVE READ THE ABOVE STATEMENT THOROUGHLY FULLY AND CAREFULLY. BY OUR INITIALS BELOW, WE ACKNOWLEDGE THAT WE FULLY UNDERSTAND AND ACCEPT THE ABOVE RISKS DESCRIBED THEREIN THEREIN, AND INTEND TO PROCEED IN OUR APPLICATION FOR AN INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. Description Adoption Expense Disclosures, pages 6 – 7, are unique to the program or service. To view all disclosures visit our website at xxxxx://xxx.xxx-xxxxxxxxxx.xxx/adoption-process/adoption-fees/ Home Study Due with Agreement 1,700 Post-Adoption $425 for each report; minimum four reports are needed. Due at Fee Type Amount Application (AFP) Submission of AFP US Expenses 350 EP 1,700 Total New Beginnings’ Fee, 1st part Adoption Service Agreement US Social Services $3,400 Total Agency Fees 4,850 Total Korean Program Fees 26,000 Incidental and Other Expenses 1,500 IAAME Fee Adoption Service Agreement US Expenses 500 Program Coordination, 1st part 7,740 to 11,540 New Beginning’s Home Study Approval US Expenses 2,500 Program Coordination, 2nd part Acceptance of the Referral US Exp., Translation & Document 1,500 Foreign Agency Fee Acceptance of the Referral Foreign, Childcare, Translation & Doc 19,500 Program Coordination, 3rd part Submission of EP US Exp., Translation & Document 3,000 New Beginnings’ Fee, 2nd part Submission of EP US Expenses 2,500 Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (add 400 if in NY) 1,700 Post-Adoption, six reports Submission of EP Post-Adoption Reports 2,550 Transportation home visit When Billed Mileage/Travel 55¢/mile, tolls, parking Social Services for families outside our service area. Fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,500 to 3,000 Post-Adoption Before travel Post-Adoption Reports 1,800 to 3,000 Description Due at Paid to Amount USCIS, I-600A filing fee Home Study Approval Homeland Security 775 Fingerprints Home Study Approval Homeland Security 85 per person Psychological Evaluation Home Study Process Psychiatrist Office 400 to 1,000 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical 3,400 SAMPLE For Review Referral Medical Review of Referral 250 to 600 Recognition and Re-adoption Post-Adoption Attorney’s Office 500 to 2,000 Travel and Overseas Court Notice and Travel Fee Type: Travel & Accommodations 6,000 to 9,000 Third-Party, fee type SAMPLE Total Adoption Fees, paid to New Beginnings $31,350 Social Services, (Home Study and Post-Adoption Fees) 3,300 to 6,000 Third-Party Fees 2,245 to 4,845 Travel and Overseas Expenses 6,000 to 9,000 The AFP is the Adoptive Family Profile, NB’s Application. EP is Emigration Permission. The Ministry of Health and Welfare approves the adoption to proceed to court. The Local Agency is the home study agency when NB is not providing Social Services. When using a Local Provider, we require a Post-Adoption Commitment showing that all fees have been paid before traveling. Some states charge a processing fee for clearances. We have estimated third-party costs. If you are asked to pay more than what is presented, let NB know. Travel and Overseas Expenses are for air travel, hotel, meals, and local transportation. Flying business or first class or staying at expensive hotels will cause you to exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Korea will need a name change and re-adoption. Some states make the process easy enough that an attorney is not required. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for routine express mailing; all others are billed separately. For qualified families, the Adoption Tax Credit can reduce the adoption cost by as much as $14,300. New Beginnings’ Services and AFP: US Expense (4,850) to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations. For personnel cost, staff training and development, administrative overhead, and operational expenses. Also, for coordinating the adoption process, including parent education and child- specific education, assisting in filing US Citizenship and Immigration Services (CIS) applications, pre-and post-adoption support. Program Coordination: US Expense, (5,500) for program development; monitor and oversight, training, including working with ESWS to identify a child and arranging for an adoption; receiving a referral that includes the Child’s Background Study; securing the child’s legal information to present to CIS; establishing the itineraries while the family is abroad for the adoption hearing, the placement of the child and the child’s travel visa, Translation and Document, (1,000) compiling and presenting the dossier to ESWS to be filing in Korea for emigration permission. IAAME: US Expense, (500) Pass through to Intercountry Adoption Accreditation and Maintenance Entity, Inc. for monitoring and oversight of adoption service providers. The price is 500 per child to be adopted.Only

Assessment of Risk. Our goal at New Beginnings Family and Children Services is to successfully complete an adoption with every Applicant successfullyApplicant. This occurs most of the time; however, there are those rare occasions when this is not the case. Those risks include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension, suspension or changes to the program selected, or a denial following the initial home study approval. NB works to minimize the risks, and we are, by and large, successful. • Lost or No Referral. A lost referral happens when new facts or information becomes available, making it difficult or impossible for the child to be placed. Information on the child will continue to come forward before the adoptionAdoption. If it indicates the child has more significant medical or emotional needs, than the referral could be declined if the family has not been approved for or would choose to accept, the Referral could be declinedaccept it. A referral may be lost because there is a change in a child’s 's legal status, making him or her status makes them unavailable for adoptionAdoption. Although rare, some reasons for this would be an error in the child’s 's legal documents, documents or a biological parent or extend extended family member objects objecting to the child being adopted internationally. It is possible that a referral or a suitable referral is not made. Being open to older or toddler-aged children, either gender or minor medical needs, allows more children to be matched with you. -We limit this risk by accepting and encouraging Applicants to be open to older or toddler-age children or minor correctable conditions. Lost referrals are uncommon, but NB will counsel the family through the grief when they happen. In most situations, there will be another assignment for consideration. SAMPLE • Program Suspension or Changes: Changes in international adoption Adoption do happen. The foreign country, the US Department of State, or NB may decide that an adoption program will be suspended, closed, or requirements will be changedchange requirements. If there is a likelihood that a program will close, or there are pending changes that could result in excluding your application, NB will work with you to determine the best course of action. There is usually a period of uncertainty while facts are sorted out, and options become available. Some time and patience will be needed. SAMPLE • Undiscoverable or Undetected Medical or Emotional Conditions. Some medical or emotional problems are undiscoverable when the child is placed for adoptionAdoption. Regrettably, some otherwise healthy children later become ill or sick, or emotional issues can later develop or manifest themselves with age. This risk cannot be avoided. Some medical or emotional problems are undetected until after the child is home. You can reduce this risk of an undetected medical or emotional problem by using an independent medical professional specializing in international adoptionAdoption. They will review the assignment information and assist you in deciding on the child’s 's medical and emotional health. If there is a concern, when When a medical specialist in international adoption International Adoption makes the a written request, supplemental information is usually availableavailable if there is a concern. • Denial After the Home Study is Approved: USCIS, the Central Authority, or possibly a judge, orphanage director, or the child all can make an independent determination regarding the adoptionAdoption. USCIS will discover an undisclosed arrest, which could lead to their denial. Moreover, an arrest, a medical problem, or limited finances though approved by NB, NB could be unacceptable by another authority in the processauthority. NB minimizes this risk by considers considering other decision makers' standards and sensibilities, and, when possible, we seek pre-approval for an applicant when there is a concern. During the adoption process, if new information comes to light, such as, as but not limited to to: an arrest, loss of employment or income, allegation of abuse, failing failure to disclose vital information or a change of circumstance, anger or stress management, emotional maturity, capacity for affection, marital difficulty, and mental stability are some areas that could cause NB to reevaluate its initial approval. • In Conclusion: NB tries to minimize the risk where possible. The risks of undiscovered or undiagnosed medical problems are, by definition, difficult to reduce. However, we seek to obtain quality information on the child, and if there is any concern, we seek the help of a specialist. Just as everyone wants a complete child assessment, a complete assessment of the child, it is expected for the adopting family. Families need to be honest and disclose their information. Realize that you are being approved to adopt a child. It is the child’s 's best interest that is being served and protected. Respect the process, conduct yourself with kindness and grace, and the adoption process will be a more enjoyable and enriching experience. WE HAVE READ THE ABOVE STATEMENT THOROUGHLY AND CAREFULLY. BY OUR INITIALS BELOW, WE ACKNOWLEDGE THAT WE FULLY UNDERSTAND AND ACCEPT THE ABOVE RISKS DESCRIBED THEREIN AND INTEND TO PROCEED IN WITH OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. Description Due at Fee Type Amount Application (AFP) Submission of AFP Application (KFP) US Expenses Expenses, pd. to NB 350 Adoption Service Agreement (home study fees are due at this time; see Table 2.) New Beginnings’ Fee, 1st part Adoption Service Agreement US Expenses 1,500 IAAME Expenses, pd. to NB 2.000 CEAS Fee Adoption Service Agreement US Expenses 500 3rd Party, pd. to NB 815 Before Home Study Parent Education Workshops 3rd Party, pd. to online provider 150 to 300 Home Study Approval Psychological Evaluation Psychiatrist Office 400 to 1,000 Program CoordinationFee, 1st part Home Study Approval US Expenses Expenses, pd. to NB 2,500 USCIS, I-600A filing fee 3rd Party, pd. to Homeland Security 920 Due or Paid at Referral (post-placement fees are due at this time; see Table 2.) Pre-Adoption Medical Review 3rd Party, pd. to selected professional 250 to 600 Program CoordinationFee, 2nd part Acceptance of the Referral US Exp.Expenses, pd. to NB 2,000 Foreign Agency Fee Foreign Expense, Translation & Document 1,500 Foreign Agency Fee Acceptance of the Referral Foreign, Childcare, Translation & Doc 19,500 Program Coordination, 3rd part Due at Emigration Submission of EP US Exp., Translation & Document 3,000 New Beginnings’ Fee, 2nd part Submission of EP 2 US Expenses, pd. to NB 3,000 Program Fee, part 3 US Expenses, pd. to NB 2,500 Paid at Travel Travel and Overseas Expenses Travel & Accommodations 6,000 to 9,000 Medical, and Visa 3rd Party, pd. to US Embassy 425 Paid After Placement Recognition and Re-adoption 3rd Party, pd. to Attorney’s Office 700 to 2,500 Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (NY add 400 if in NY400) 1,700 2,200 Post-AdoptionPlacement, six four reports Submission Acceptance of EP Referral Post-Adoption Placement Reports 2,550 1,900 Transportation home visit When Billed Mileage/Travel 55¢/mile62¢/mile, tolls, parking Social Services for families outside our service areawhen NB is not providing the service. Fees Estimated fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,500 2,100 to 3,000 3,800 Post-Adoption Placement Before travel Post-Placement Reports 1,700 to 2,700 Supervision of Services Adoption Reports 1,800 to 3,000 Description Due at Paid to Amount USCIS, I-600A filing fee Service Agreement Home Study Approval Homeland Security 775 Fingerprints Home Study Approval Homeland Security 85 per person Psychological Evaluation Home Study Process Psychiatrist Office 400 to 1,000 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Recognition and Re-adoption Post-Adoption Attorney’s Office 500 to 2,000 Travel and Overseas Court Notice and Travel Fee Type: Travel & Accommodations 6,000 to 9,000 Third-Party, fee type SAMPLE Total Adoption Fees, paid to New Beginnings $31,350 NB, 500 Supervision of Services Adoption Service Agreement Referral paid to NB, 500 SAMPLE Table 1 shows the fees and expenses by when they are paid. Table 2 shows fees for Social Services. When NB does not provide social services, (Home Study and Post-Adoption Fees) 3,300 to 6,000 Third-Party Fees 2,245 to 4,845 Travel and Overseas Expenses 6,000 to 9,000 The AFP is the Adoptive Family Profile, NB’s Application. EP is Emigration Permission. The Ministry of Health and Welfare approves the adoption to proceed to court. The Local Agency is a local agency will do the home study agency when NB is not providing Social Servicesand post-placements. When using a Local ProviderAgency, we require a Post-Adoption Commitment showing that all NB charges Supervision of Services fees have been paid before traveling(see page 7). Some states charge a processing fee for clearancesThese are not charged when NB is providing social services. We have estimated third-party Table 3 presents Fees and Expenses by Category. All international agencies must categorize fees and expenses. It helps in comparing costs, but agencies interpret the categories differently or separate charges, such as mailing and bank transfer fees. If you These are asked part of our agency fees. There is no right or wrong way; it is just something to pay more than what is presented, let NB knowknow when comparing fees. Travel and Overseas Expenses are for Accommodation expenses include air travel, hotel, meals, and local transportation. Flying business or first class or staying at expensive hotels will cause These expenses are substantial and outside of our control. Many third-party expenses are estimated and presented in a range. Let NB know if you are asked to exceed our estimatespay more than what is presented. Although commonly done, a Medical Review of the Referral is not required. All children from Korea will need a name change and re-adoption. Some states make the process easy enough that an attorney is not required. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for routine express mailing; all others are billed separately. For qualified families, the The Adoption Tax Credit can reduce the adoption cost by as much as $14,30016,810 for qualified families. US Expenses 12.350 Foreign Provider 18,300 Translation and Document 1,200 Contribution 0 Care of the Child 0 Home Study 2,100 to 4,300 Post-Placement Reports 1,700 to 3,000 Third-Party 2,890 to 5,490 Travel and Accommodations 5,000 to 9,000 New Beginnings’ Services and AFP: US Expense (4,8505,350) to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations. For personnel costcosts, staff training and development, administrative overhead, and operational expenses. Also, for coordinating the adoption process, including parent education and child- child-specific education, assisting in filing US Citizenship and Immigration Services (CIS) applications, and pre-and post-adoption support. Program Coordination: US Expense, (5,5007,000) for program development; monitor monitoring and oversightoverseeing the Korean process, training, including working with ESWS to identify a child and arranging arrange for an adoption; receiving a referral that includes the Child’s Background Study; compiling and presenting the dossier to ESWS to be filing in Korea for emigration permission; securing the child’s legal information to present to CIS; establishing the itineraries while the family is abroad for the adoption hearing, the placement of the child and the child’s travel visa, Translation and Document, (1,000) compiling and presenting the dossier to ESWS to be filing in Korea for emigration permission. IAAMECEAS: US Expense, (500815) Pass through to Intercountry the Center for Excellence in Adoption Accreditation Services for Monitoring and Maintenance Entity, Inc. for monitoring and oversight Oversight of adoption service providers. The price M&O fee is 500 per 815 for each child to be adopted.

Assessment of Risk. Our goal at New Beginnings Family and Children Services is to complete for the successful completion of an adoption with every Applicant successfullyapplicant. This occurs most the majority of the time; , however, there are those rare occasions when this is not the case. Those risks include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension, suspension or changes to the program selected, or selected and a denial following the initial home study approval. NB New Beginnings works to minimize the risks, risks and we are, by and large, successful. • Lost Referral. A lost referral happens when new facts or information becomes available, making available that makes it difficult or impossible for the child to be placed. Information on the child will continue to come forward before the adoption. If it indicates the child has more significant medical or emotional needs, needs than the family has not been approved for or would choose to accept, the Referral referral could be declined. A referral may be lost because there is a change in the legal status of a child’s legal status, making him or her unavailable for adoption. Although rare, some reasons for this would be an error in the child’s legal documents, or a biological parent or extend family member objects to the child being adopted internationallyinternationally adopted. Lost referrals are uncommon, but NB when they happen, New Beginnings will counsel the family through the grief when they happengrief. In most situations, there will be another assignment for consideration. • Program Suspension or Changes: Changes in international adoption do happen. The foreign country, the US U.S Department of State, State or NB New Beginnings may decide make a determination that an adoption program will be suspended, closed, or requirements will be changed. If there is a likelihood a program will close, close or there are pending changes that could result in excluding your application, NB New Beginnings will work with you to determine the best course of action. There is usually a period of uncertainty while facts are sorted out, out and options become available. Some time and patience will be needed. SAMPLE • Undiscoverable or Undetected Medical or Emotional Conditions. : Some medical or emotional problems are undiscoverable when at the time the child is placed for adoption. Regrettably, some otherwise healthy children later become ill or sick, or emotional issues problems can later develop or manifest themselves with age. This risk cannot be avoided. Some medical or emotional problems are do go undetected until after the child is home. You can reduce lessen this risk of an undetected medical or emotional problem by using an independent medical professional specializing who specializes in international adoption. They He or she will review the assignment information and assist you in deciding making a determination on the child’s medical and emotional health. If there is a concern, when a medical specialist in international adoption makes the request, supplemental information is usually available. • Denial After the Home Study is Approved: USCIS, the Central Authority, or possibly a judge, orphanage director, director or the child all can make an independent determination regarding the adoption. An undisclosed arrest will be discovered by USCIS will discover an undisclosed arrest, which and could lead to their denial. Moreover, an arrest, a medical problem, problem or limited finances though approved by NBNew Beginnings, could be unacceptable by another authority in the process. NB New Beginnings minimizes this risk by considers other standards and sensibilities, and, when possible, we seek pre-pre- approval for an applicant when there is a concern. During If over the course of the adoption process, if process new information comes to light, such as, but not limited to to, an arrest, loss of employment or income, allegation of abuse, failing to disclose vital information or a change of circumstance, anger or stress management, emotional maturity, capacity for affection, marital difficulty, difficulty and mental stability are some areas that could cause NB the initial approval to reevaluate its initial approvalbe reevaluated. • In Conclusion: NB New Beginnings tries to minimize the risk where possible. The risks of undiscovered or undiagnosed medical problems are, by definition, difficult to reduce. However, we seek to obtain quality information on the child, and if there is any concern, concern seek the help of a specialist. Just as everyone wants a full and complete assessment of the child, it is expected for the adopting familyfamily as well. Families need to be honest and disclose their information. Realize that you are being approved to adopt a child. It is the child’s best interest that is being served and protected. Respect the process, conduct yourself with kindness and grace, and the adoption process will be a more enjoyable and enriching experience. WE HAVE READ THE ABOVE STATEMENT THOROUGHLY FULLY AND CAREFULLY. BY OUR INITIALS BELOW, WE ACKNOWLEDGE THAT WE FULLY UNDERSTAND AND ACCEPT THE ABOVE RISKS DESCRIBED THEREIN AND INTEND TO PROCEED IN OUR APPLICATION FOR AN INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. Description Due at Fee Type Amount Application (AFP) Submission of AFP US Total Agency Fees 5,350 Total Korean Program Fees 26,000 Incidental and Other Expenses 350 7,795 to 11,095 New Beginnings’ Fee, 1st part Adoption Service Agreement US Expenses 1,500 IAAME Fee Adoption Service Agreement US Expenses 500 Program Coordination, 1st part Beginning’s Home Study Approval US Expenses 2,500 Program Coordination, 2nd part Acceptance of the Referral US Exp., Translation & Document 1,500 Foreign Agency Fee Acceptance of the Referral Foreign, Childcare, Translation & Doc 19,500 Program Coordination, 3rd part Submission of EP US Exp., Translation & Document 3,000 New Beginnings’ Fee, 2nd part Submission of EP US Expenses 2,500 Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (add 400 if in NY) 1,700 Post-Adoption, six reports Submission of EP Post-Adoption Reports 2,550 Transportation home visit When Billed Mileage/Travel 55¢/mile, tolls, parking Social Services for families outside our service area. Fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,500 to 3,000 Post-Adoption Before travel Post-Adoption Reports 1,800 to 3,000 Description Due at Paid to Amount USCIS, I-600A filing fee Home Study Approval Homeland Security 775 Fingerprints Home Study Approval Homeland Security 85 per person Psychological Evaluation Home Study Process Psychiatrist Office 400 to 1,000 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Recognition and Re-adoption Post-Adoption Attorney’s Office 500 to 2,000 Travel and Overseas Court Notice and Travel Fee Type: Travel & Accommodations 6,000 to 9,000 Third-Party, fee type SAMPLE Total Adoption Fees, paid to New Beginnings $31,350 Social Services, (Home Study and Post-Adoption Fees) 3,300 to 6,000 Third-Party Fees 2,245 to 4,845 Travel and Overseas Expenses 6,000 to 9,000 The AFP is the Adoptive Family Profile, NB’s Application. EP is Emigration Permission. The Ministry of Health and Welfare approves the adoption to proceed to court. The Local Agency is the home study agency when NB is not providing Social Services. When using a Local Provider, we require a Post-Adoption Commitment showing that all fees have been paid before traveling. Some states charge a processing fee for clearances. We have estimated third-party costs. If you are asked to pay more than what is presented, let NB know. Travel and Overseas Expenses are for air travel, hotel, meals, and local transportation. Flying business or first class or staying at expensive hotels will cause you to exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Korea will need a name change and re-adoption. Some states make the process easy enough that an attorney is not required. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for routine express mailing; all others are billed separately. if applicable 3,400 For qualified families, the Adoption Tax Credit can reduce the cost of the adoption cost by as much as $14,300. New Beginnings’ Services and AFP: US Expense (4,850) to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations. For personnel cost, staff training and development, administrative overhead, and operational expenses. Also, for coordinating the adoption process, including parent education and child- specific education, assisting in filing US Citizenship and Immigration Services (CIS) applications, pre-and post-adoption support. Program Coordination: US Expense, (5,500) for program development; monitor and oversight, training, including working with ESWS to identify a child and arranging for an adoption; receiving a referral that includes the Child’s Background Study; securing the child’s legal information to present to CIS; establishing the itineraries while the family is abroad for the adoption hearing, the placement of the child and the child’s travel visa, Translation and Document, (1,000) compiling and presenting the dossier to ESWS to be filing in Korea for emigration permission. IAAME: US Expense, (500) Pass through to Intercountry Adoption Accreditation and Maintenance Entity, Inc. for monitoring and oversight of adoption service providers. The price is 500 per child to be adopted13,600.

Assessment of Risk. Our goal at New Beginnings Family and Children Services is to complete an adoption with every Applicant successfully. This occurs most of the time; however, there are those rare occasions when this is not the case. Those risks include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension, or changes to the program selected, or a denial following the initial home study approval. NB works to minimize the risks, and we are, by and large, successful. • Lost Referral. A lost referral happens when new facts or information becomes available, making it difficult or impossible for the child to be placed. Information on the child will continue to come forward before the adoption. If it indicates the child has more significant medical or emotional needs, than the family has not been approved for or would choose to accept, the Referral could be declined. A referral may be lost because there is a change in a child’s legal status, making him or her unavailable for adoption. Although rare, some reasons for this would be an error in the child’s legal documents, or a biological parent or extend family member objects to the child being adopted internationally. Lost referrals are uncommon, but NB will counsel the family through the grief when they happen. In most situations, there will be another assignment for consideration. • Program Suspension or Changes: Changes in international adoption do happen. The foreign country, the US Department of State, or NB may decide that an adoption program will be suspended, closed, or requirements will be changed. If there is a likelihood a program will close, or there are pending changes that could result in excluding your application, NB will work with you to determine the best course of action. There is usually a period of uncertainty while facts are sorted out, and options become available. Some time and patience will be needed. SAMPLE • Undiscoverable or Undetected Medical or Emotional Conditions. Some medical or emotional problems are undiscoverable when the child is placed for adoption. Regrettably, some otherwise healthy children later become ill or sick, or emotional issues can later develop or manifest themselves with age. This risk cannot be avoided. Some medical or emotional problems are undetected until after the child is home. You can reduce this risk of an undetected medical or emotional problem by using an independent medical professional specializing in international adoption. They will review the assignment information and assist you in deciding on the child’s medical and emotional health. If there is a concern, when a medical specialist in international adoption makes the request, supplemental information is usually available. • Denial After the Home Study is Approved: USCIS, the Central Authority, or possibly a judge, orphanage director, or the child all can make an independent determination regarding the adoption. USCIS will discover an undisclosed arrest, which could lead to their denial. Moreover, an arrest, a medical problem, or limited finances though approved by NB, could be unacceptable by another authority in the process. NB minimizes this risk by considers other standards and sensibilities, and, when possible, we seek pre-approval for an applicant when there is a concern. During the adoption process, if new information comes to light, such as, but not limited to an arrest, loss of employment or income, allegation of abuse, failing to disclose vital information or a change of circumstance, anger or stress management, emotional maturity, capacity for affection, marital difficulty, and mental stability are some areas that could cause NB to reevaluate its initial approval. • In Conclusion: NB tries to minimize the risk where possible. The risks of undiscovered or undiagnosed medical problems are, by definition, difficult to reduce. However, we seek to obtain quality information on the child, and if there is any concern, seek the help of a specialist. Just as everyone wants a complete assessment of the child, it is expected for the adopting family. Families need to be honest and disclose their information. Realize that you are being approved to adopt a child. It is the child’s best interest that is being served and protected. Respect the process, conduct yourself with kindness and grace, and the adoption process will be a more enjoyable and enriching experience. WE HAVE READ THE ABOVE STATEMENT THOROUGHLY AND CAREFULLYWe have read the above statement thoroughly and carefully. BY OUR INITIALS BELOW, WE ACKNOWLEDGE THAT WE FULLY UNDERSTAND AND ACCEPT THE ABOVE RISKS DESCRIBED THEREIN AND INTEND TO PROCEED IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. Description Due at Fee Type Amount Application (AFP) Submission of AFP US Expenses 350 New Beginnings’ Fee, 1st part Adoption Service Agreement US Expenses 1,500 IAAME Fee Adoption Service Agreement US Expenses 500 Program Coordination, 1st part Home Study Approval US Expenses 2,500 Program Coordination, 2nd part Acceptance of the Referral US Exp., Translation & Document 1,500 Foreign Agency Fee Acceptance of the Referral Foreign, Childcare, Translation & Doc 19,500 Program Coordination, 3rd part Submission of EP US Exp., Translation & Document 3,000 New Beginnings’ Fee, 2nd part Submission of EP US Expenses 2,500 Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (add 400 if in NY) 1,700 Post-Adoption, six reports Submission of EP Post-Adoption Reports 2,550 Transportation home visit When Billed Mileage/Travel 55¢/mile, tolls, parking Social Services for families outside By our service area. Fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,500 to 3,000 Post-Adoption Before travel Post-Adoption Reports 1,800 to 3,000 Description Due at Paid to Amount USCIS, I-600A filing fee Home Study Approval Homeland Security 775 Fingerprints Home Study Approval Homeland Security 85 per person Psychological Evaluation Home Study Process Psychiatrist Office 400 to 1,000 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Recognition and Re-adoption Post-Adoption Attorney’s Office 500 to 2,000 Travel and Overseas Court Notice and Travel Fee Type: Travel & Accommodations 6,000 to 9,000 Third-Party, fee type SAMPLE Total Adoption Fees, paid to New Beginnings $31,350 Social Services, (Home Study and Post-Adoption Fees) 3,300 to 6,000 Third-Party Fees 2,245 to 4,845 Travel and Overseas Expenses 6,000 to 9,000 The AFP is the Adoptive Family Profile, NB’s Application. EP is Emigration Permission. The Ministry of Health and Welfare approves the adoption to proceed to court. The Local Agency is the home study agency when NB is not providing Social Services. When using a Local Providerinitials below, we require a Post-Adoption Commitment showing acknowledge that all fees have been paid before traveling. Some states charge a processing fee for clearances. We have estimated third-party costs. If you are asked to pay more than what is presented, let NB know. Travel we fully understand and Overseas Expenses are for air travel, hotel, meals, accept the above risks described therein and local transportation. Flying business or first class or staying at expensive hotels will cause you to exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. Waive All children from Korea will need a name change and re-adoption. Some states make the process easy enough that an attorney is not required. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for routine express mailing; all others are billed separately. For qualified families, the Adoption Tax Credit can reduce the adoption cost by as much as $14,300. New Beginnings’ Services and AFP: US Expense (4,850) to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations. For personnel cost, staff training and development, administrative overhead, and operational expenses. Also, for coordinating the adoption process, including parent education and child- specific education, assisting in filing US Citizenship and Immigration Services (CIS) applications, pre-and post-adoption support. Program Coordination: US Expense, (5,500) for program development; monitor and oversight, training, including working with ESWS to identify a child and arranging for an adoption; receiving a referral that includes the Child’s Background Study; securing the child’s legal information to present to CIS; establishing the itineraries while the family is abroad for the adoption hearing, the placement of the child and the child’s travel visa, Translation and Document, (1,000) compiling and presenting the dossier to ESWS to be filing in Korea for emigration permission. IAAME: US Expense, (500) Pass through to Intercountry Adoption Accreditation and Maintenance Entity, Inc. for monitoring and oversight of adoption service providers. The price is 500 per child to be adoptedFuture Related Claims.

Assessment of Risk. Our goal at New Beginnings Family and Children Services is to complete an adoption with every Applicant successfully. This occurs most of the time; however, there are those rare occasions when this is not the case. Those risks include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension, or changes to the program selected, or a denial following the initial home study approval. NB N.B. works to minimize the risks, and we are, by and large, successful. • Lost Referral. A lost referral happens when new facts or information becomes available, making it difficult or impossible for the child to be placed. Information on the child will continue to come forward before the adoption. If it indicates the child has more significant medical or emotional needs, than the family has not been approved for or would choose to accept, the Referral referral could be declined. A referral may be lost because there is a change in a child’s legal status, making him or her unavailable for adoption. Although rare, some reasons for this would be an error in the child’s legal documents, or a biological parent or extend family member objects to the child being adopted internationally. Lost referrals are uncommon, but NB N.B. will counsel the family through the grief when they happen. In most situations, there will be another assignment for consideration. • Program Suspension or Changes: Changes in international adoption do happen. The foreign country, the US Department of State, or NB may decide that an adoption program will be suspended, closed, or requirements will be changed. If there is a likelihood a program will close, or there are pending changes that could result in excluding your application, NB will work with you to determine the best course of action. There is usually a period of uncertainty while facts are sorted out, and options become available. Some time and patience will be needed. SAMPLE • Undiscoverable or Undetected Medical or Emotional Conditions. Some medical or emotional problems are undiscoverable when the child is placed for adoption. Regrettably, some otherwise healthy children later become ill or sick, or emotional issues can later develop or manifest themselves with age. This risk cannot be avoided. Some medical or emotional problems are undetected until after the child is home. You can reduce this risk of an undetected medical or emotional problem by using an independent medical professional specializing in international adoption. They will review the assignment information and assist you in deciding on the child’s medical and emotional health. If there is a concern, when a medical specialist in international adoption makes the request, supplemental information is usually available. • Denial After the Home Study is Approved: USCIS, the Central Authority, or possibly a judge, orphanage director, or the child all can make an independent determination regarding the adoption. USCIS will discover an undisclosed arrest, which could lead to their denial. Moreover, an arrest, a medical problem, or limited finances though approved by NBN.B., could be unacceptable by another authority in the process. NB N.B. minimizes this risk by considers other standards and sensibilities, and, when possible, we seek pre-approval for an applicant when there is a concern. During the adoption process, if new information comes to light, such as, but not limited to an arrest, loss of employment or income, allegation of abuse, failing to disclose vital information or a change of circumstance, anger or stress management, emotional maturity, capacity for affection, marital difficulty, and mental stability are some areas that could cause NB to reevaluate its initial approval. • In Conclusion: NB N.B. tries to minimize the risk where possible. The risks of undiscovered or undiagnosed medical problems are, by definition, difficult to reduce. However, we seek to obtain quality information on the child, and if there is any concern, seek the help of a specialist. Just as everyone wants a complete assessment of the child, it is expected for the adopting family. Families need to be honest and disclose their information. Realize that you are being approved to adopt a child. It is the child’s best interest that is being served and protected. Respect the process, conduct yourself with kindness and grace, and the adoption process will be a more enjoyable and enriching experience. WE HAVE READ THE ABOVE STATEMENT THOROUGHLY AND CAREFULLYWe have read the above statement thoroughly and carefully. BY OUR INITIALS BELOW, WE ACKNOWLEDGE THAT WE FULLY UNDERSTAND AND ACCEPT THE ABOVE RISKS DESCRIBED THEREIN AND INTEND TO PROCEED IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. Description Due at Fee Type Amount Application (AFP) Submission of AFP US Expenses 350 New Beginnings’ Fee, 1st part Adoption Service Agreement US Expenses 1,500 IAAME Fee Adoption Service Agreement US Expenses 500 Program Coordination, 1st part Home Study Approval US Expenses 2,500 Program Coordination, 2nd part Acceptance of the Referral US Exp., Translation & Document 1,500 Foreign Agency Fee Acceptance of the Referral Foreign, Childcare, Translation & Doc 19,500 Program Coordination, 3rd part Submission of EP US Exp., Translation & Document 3,000 New Beginnings’ Fee, 2nd part Submission of EP US Expenses 2,500 Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (add 400 if in NY) 1,700 Post-Adoption, six reports Submission of EP Post-Adoption Reports 2,550 Transportation home visit When Billed Mileage/Travel 55¢/mile, tolls, parking Social Services for families outside By our service area. Fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,500 to 3,000 Post-Adoption Before travel Post-Adoption Reports 1,800 to 3,000 Description Due at Paid to Amount USCIS, I-600A filing fee Home Study Approval Homeland Security 775 Fingerprints Home Study Approval Homeland Security 85 per person Psychological Evaluation Home Study Process Psychiatrist Office 400 to 1,000 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Recognition and Re-adoption Post-Adoption Attorney’s Office 500 to 2,000 Travel and Overseas Court Notice and Travel Fee Type: Travel & Accommodations 6,000 to 9,000 Third-Party, fee type SAMPLE Total Adoption Fees, paid to New Beginnings $31,350 Social Services, (Home Study and Post-Adoption Fees) 3,300 to 6,000 Third-Party Fees 2,245 to 4,845 Travel and Overseas Expenses 6,000 to 9,000 The AFP is the Adoptive Family Profile, NB’s Application. EP is Emigration Permission. The Ministry of Health and Welfare approves the adoption to proceed to court. The Local Agency is the home study agency when NB is not providing Social Services. When using a Local Providerinitials below, we require a Post-Adoption Commitment showing acknowledge that all fees have been paid before traveling. Some states charge a processing fee for clearances. We have estimated third-party costs. If you are asked to pay more than what is presented, let NB know. Travel we fully understand and Overseas Expenses are for air travel, hotel, meals, accept the above risks described therein and local transportation. Flying business or first class or staying at expensive hotels will cause you to exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. Waive All children from Korea will need a name change and re-adoption. Some states make the process easy enough that an attorney is not required. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for routine express mailing; all others are billed separately. For qualified families, the Adoption Tax Credit can reduce the adoption cost by as much as $14,300. New Beginnings’ Services and AFP: US Expense (4,850) to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations. For personnel cost, staff training and development, administrative overhead, and operational expenses. Also, for coordinating the adoption process, including parent education and child- specific education, assisting in filing US Citizenship and Immigration Services (CIS) applications, pre-and post-adoption support. Program Coordination: US Expense, (5,500) for program development; monitor and oversight, training, including working with ESWS to identify a child and arranging for an adoption; receiving a referral that includes the Child’s Background Study; securing the child’s legal information to present to CIS; establishing the itineraries while the family is abroad for the adoption hearing, the placement of the child and the child’s travel visa, Translation and Document, (1,000) compiling and presenting the dossier to ESWS to be filing in Korea for emigration permission. IAAME: US Expense, (500) Pass through to Intercountry Adoption Accreditation and Maintenance Entity, Inc. for monitoring and oversight of adoption service providers. The price is 500 per child to be adoptedFuture Related Claims.

Assessment of Risk. Our goal at New Beginnings Family and Children Services is to complete for the successful completion of an adoption with every Applicant successfullyapplicant. This occurs most the majority of the time; however, there are those rare occasions when this is not the case. Those risks include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension, suspension or changes to the program selected, selected or a denial following the initial home study approval. NB New Beginnings works to minimize the risks, risks and we are, by and large, successful. • Lost Referral. A lost referral happens when new facts or information becomes available, making it difficult or impossible for the child to be placed. Information on the child will continue to come forward before the adoption. If it indicates the child has more significant medical or emotional needs, needs than the family has not been approved for or would choose to accept, the Referral referral could be declined. A referral may be lost because there is a change in the legal status of a child’s legal status, making him or her unavailable for adoption. Although rare, some reasons for this would be an error in the child’s legal documents, or a biological parent or extend family member objects to the child being adopted internationally. Lost referrals are uncommon, but NB when they happen, New Beginnings will counsel the family through the grief when they happengrief. In most situations, there will be another assignment for consideration. • Program Suspension or Changes: Changes in international adoption do happen. The foreign country, the US U.S Department of State, or NB New Beginnings may decide that an adoption program will be suspended, closed, or requirements will be changed. If there is a likelihood a program will close, close or there are pending changes that could result in excluding your application, NB New Beginnings will work with you to determine the best course of action. There is usually a period of uncertainty while facts are sorted out, out and options become available. Some time and patience will be needed. SAMPLE • Undiscoverable or Undetected Medical or Emotional Conditions. : Some medical or emotional problems are undiscoverable when at the time the child is placed for adoption. Regrettably, some otherwise healthy children later become ill or sick, or emotional issues problems can later develop or manifest themselves with age. This risk cannot be avoided. Some medical or emotional problems are do go undetected until after the child is home. You can reduce lessen this risk of an undetected medical or emotional problem by using an independent medical professional specializing who specializes in international adoption. They He or she will review the assignment information and assist you in deciding on the child’s medical and emotional health. If there is a concern, when a medical specialist in international adoption makes the request, supplemental information is usually available. • Denial After the Home Study is Approved: USCIS, the Central Authority, or possibly a judge, orphanage director, or the child all can make an independent determination regarding the adoption. An undisclosed arrest will be discovered by USCIS will discover an undisclosed arrest, which and could lead to their denial. Moreover, an arrest, a medical problem, problem or limited finances though approved by NBNew Beginnings, could be unacceptable by another authority in the process. NB New Beginnings minimizes this risk by considers other standards and sensibilities, and, when possible, we seek pre-pre- approval for an applicant when there is a concern. During If throughout the adoption process, if process new information comes to light, such as, but not limited to to, an arrest, loss of employment or income, allegation of abuse, failing to disclose vital information or a change of circumstance, anger or stress management, emotional maturity, capacity for affection, marital difficulty, difficulty and mental stability are some areas that could cause NB the initial approval to reevaluate its initial approvalbe reevaluated. • In Conclusion: NB New Beginnings tries to minimize the risk where possible. The risks of undiscovered or undiagnosed medical problems are, by definition, difficult to reduce. However, we seek to obtain quality information on the child, and if there is any concern, seek the help of a specialist. Just as everyone wants a complete assessment of the child, it is expected for the adopting familyfamily as well. Families need to be honest and disclose their information. Realize that you are being approved to adopt a child. It is the child’s best interest that is being served and protected. Respect the process, conduct yourself with kindness and grace, and the adoption process will be a more enjoyable and enriching experience. WE HAVE READ THE ABOVE STATEMENT THOROUGHLY FULLY AND CAREFULLY. BY OUR INITIALS BELOW, WE ACKNOWLEDGE THAT WE FULLY UNDERSTAND AND ACCEPT THE ABOVE RISKS DESCRIBED THEREIN THEREIN, AND INTEND TO PROCEED IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. Description Home Study Due with Agreement 1,700 Post-Adoption $425 for each report; minimum four reports are needed. Due at Fee Type Amount Application (AFP) Submission of AFP US Expenses 350 EP 1,700 Total New Beginnings’ Fee, 1st part Adoption Service Agreement US Social Services $3,400 Total Agency Fees 5,350 Total Korean Program Fees 26,000 Incidental and Other Expenses 1,500 IAAME Fee Adoption Service Agreement US Expenses 500 Program Coordination, 1st part 7,795 to 11,095 New Beginning’s Home Study Approval US Expenses 2,500 Program Coordination, 2nd part Acceptance of the Referral US Exp., Translation & Document 1,500 Foreign Agency Fee Acceptance of the Referral Foreign, Childcare, Translation & Doc 19,500 Program Coordination, 3rd part Submission of EP US Exp., Translation & Document 3,000 New Beginnings’ Fee, 2nd part Submission of EP US Expenses 2,500 Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (add 400 if in NY) 1,700 Post-Adoption, six reports Submission of EP Post-Adoption Reports 2,550 Transportation home visit When Billed Mileage/Travel 55¢/mile, tolls, parking Social Services for families outside our service area. Fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,500 to 3,000 Post-Adoption Before travel Post-Adoption Reports 1,800 to 3,000 Description Due at Paid to Amount USCIS, I-600A filing fee Home Study Approval Homeland Security 775 Fingerprints Home Study Approval Homeland Security 85 per person Psychological Evaluation Home Study Process Psychiatrist Office 400 to 1,000 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Recognition and Re-adoption Post-Adoption Attorney’s Office 500 to 2,000 Travel and Overseas Court Notice and Travel Fee Type: Travel & Accommodations 6,000 to 9,000 Third-Party, fee type SAMPLE Total Adoption Fees, paid to New Beginnings $31,350 Social Services, (Home Study and Post-Adoption Fees) 3,300 to 6,000 Third-Party Fees 2,245 to 4,845 Travel and Overseas Expenses 6,000 to 9,000 The AFP is the Adoptive Family Profile, NB’s Application. EP is Emigration Permission. The Ministry of Health and Welfare approves the adoption to proceed to court. The Local Agency is the home study agency when NB is not providing Social Services. When using a Local Provider, we require a Post-Adoption Commitment showing that all fees have been paid before traveling. Some states charge a processing fee for clearances. We have estimated third-party costs. If you are asked to pay more than what is presented, let NB know. Travel and Overseas Expenses are for air travel, hotel, meals, and local transportation. Flying business or first class or staying at expensive hotels will cause you to exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Korea will need a name change and re-adoption. Some states make the process easy enough that an attorney is not required. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for routine express mailing; all others are billed separately. if applicable 3,400 For qualified families, the Adoption Tax Credit can reduce the cost of the adoption cost by as much as $14,30013,600. New Beginnings’ Services and AFP: US Expense (4,850) to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations. For personnel cost, staff training and development, administrative overhead, and operational expenses. Also, for coordinating the adoption process, including parent education and child- specific education, assisting in filing US Citizenship and Immigration Services (CIS) applications, pre-and post-adoption support. Program Coordination: US Expense, (5,500) for program development; monitor and oversight, training, including working with ESWS to identify a child and arranging for an adoption; receiving a referral that includes the Child’s Background Study; securing the child’s legal information to present to CIS; establishing the itineraries while the family is abroad for the adoption hearing, the placement of the child and the child’s travel visa. A home visit for a Minor Change of Circumstances such as a change in residency, Translation a change in employment that does not substantially reduce income, positive and Documentneutral changes in finances, minor changes in physical health or medications. A home visit to update the Home Study for USCIS for the one-time free extension or to keep the home study current. To respond to a USCIS Request for Evidence (RFE) to make edits or additions to the home study. Major Changes of Circumstances such as loss of employment or financial security, arrest, allegation of child abuse, change in medical condition, changes in emotional or mental health, pregnancy, difficulty in marital relationship or with significant other, accusation of impropriety or New Beginnings concerns about the prospective adoptive parents’ capacity to raise an adoptive child. Supplemental Home Study Service may be required if there is a failure to disclose critical information for the initial home study, or in response to an RFE on the prospective adoptive parents’ capacity to adopt or undisclosed criminal history. Home Study Review, (1,000for families who do not live in our service area) compiling no fee For supervising a cooperating agency that is conducting the Home Study. There is no fee for overseeing another agency’s post-adoption reports. We do require a Post-Adoption Commitment letter from your Home Study Agency showing that all fees for post-adoption services have been paid. For families who had a home study previously done by NBFCS and presenting is beginning another adoption process. The standard home study fee is not due. During the dossier family’s second trip to Korea, some donation to ESWS would be appropriate. In addition, look to support the work ESWS does for years to come. They are a remarkable agency. Make them a part of your annual charitable contributions. Accelerated services are those that require completion in less than six weeks. Failing to provide a clearance request or other necessary information promptly could also result in accelerated services. Although New Beginnings will make all reasonable efforts to complete the service in the required time, there can be no assurance the shortened time frame can be met. In the event services are requested or required that Exceed Routine Services, New Beginnings reserves the right to charge for such services. • Preparing or helping to prepare documents for a response to an RFE or NOID, est. fee $700 to $1,000; • Having to make unanticipated efforts to receive information or documentation from the client, home study agency, the foreign provider (including a request to supplement or correct the child’s legal documents), or other person involved in the process, est. fee $500 to $1,000. • For additional clearances, documentation, and interviews for extended family members or other persons living in the home, $300 to $700. • For finalization that requires filing by NB, $200 to $600. If a court appearance is requested for a representative of New Beginnings, $300/day (as well as mileage and incidental expenses). • In the event the adoption is in Korea crisis, New Beginnings can charge for emigration permissionadditional services including extra post-adoption reports, counseling, respite care or attorney services to secure consents, Interstate Compact approvals, etc. IAAME: US Expense• Copying fee may be charged if duplicate documents are requested and not received or incorrectly copied, (500) Pass through to Intercountry Adoption Accreditation and Maintenance Entity, Inc. for monitoring and oversight of adoption service providers. The price is 500 per child to be adopted$.50/copy.

Assessment of Risk. Our goal at New Beginnings Family and Children Services is to complete an adoption with every Applicant successfully. This occurs most of the time; however, there are those rare occasions when this is not the case. Those risks include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension, or changes to the program selected, or a denial following the initial home study approval. NB works to minimize the risks, and we are, by and large, successful. • Lost Referral. A lost referral happens when new facts or information becomes available, making it difficult or impossible for the child to be placed. Information on the child will continue to come forward before the adoption. If it indicates the child has more significant medical or emotional needs, than the family has not been approved for or would choose to accept, the Referral could be declined. A referral may be lost because there is a change in a child’s legal status, making him or her unavailable for adoption. Although rare, some reasons for this would be an error in the child’s legal documents, or a biological parent or extend family member objects to the child being adopted internationally. Lost referrals are uncommon, but NB will counsel the family through the grief when they happen. In most situations, there will be another assignment for consideration. • Program Suspension or Changes: Changes in international adoption do happen. The foreign country, the US Department of State, or NB may decide that an adoption program will be suspended, closed, or requirements will be changed. If there is a likelihood a program will close, or there are pending changes that could result in excluding your application, NB will work with you to determine the best course of action. There is usually a period of uncertainty while facts are sorted out, and options become available. Some time and patience will be needed. SAMPLE • Undiscoverable or Undetected Medical or Emotional Conditions. Some medical or emotional problems are undiscoverable when the child is placed for adoption. Regrettably, some otherwise healthy children later become ill or sick, or emotional issues can later develop or manifest themselves with age. This risk cannot be avoided. Some medical or emotional problems are undetected until after the child is home. You can reduce this risk of an undetected medical or emotional problem by using an independent medical professional specializing in international adoption. They will review the assignment information and assist you in deciding on the child’s medical and emotional health. If there is a concern, when a medical specialist in international adoption makes the request, supplemental information is usually available. • Denial After the Home Study is Approved: USCIS, the Central Authority, or possibly a judge, orphanage director, or the child all can make an independent determination regarding the adoption. USCIS will discover an undisclosed arrest, which could lead to their denial. Moreover, an arrest, a medical problem, or limited finances though approved by NB, could be unacceptable by another authority in the process. NB minimizes this risk by considers other standards and sensibilities, and, when possible, we seek pre-approval for an applicant when there is a concern. During the adoption process, if new information comes to light, such as, but not limited to to: an arrest, loss of employment or income, allegation of abuse, failing to disclose vital information or a change of circumstance, anger or stress management, emotional maturity, capacity for affection, marital difficulty, and mental stability are some areas that could cause NB to reevaluate its initial approval. • In Conclusion: NB tries to minimize the risk where possible. The risks of undiscovered or undiagnosed medical problems are, by definition, difficult to reduce. However, we seek to obtain quality information on the child, and if there is any concern, seek the help of a specialist. Just as everyone wants a complete assessment of the child, it is expected for the adopting family. Families need to be honest and disclose their information. Realize that you are being approved to adopt a child. It is the child’s best interest that is being served and protected. Respect the process, conduct yourself with kindness and grace, and the adoption process will be a more enjoyable and enriching experience. WE HAVE READ THE ABOVE STATEMENT THOROUGHLY AND CAREFULLY. BY OUR INITIALS BELOW, WE ACKNOWLEDGE THAT WE FULLY UNDERSTAND AND ACCEPT THE ABOVE RISKS DESCRIBED THEREIN AND INTEND TO PROCEED IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. SAMPLE ADOPTION EXPENSES DISCLOSURE Morocco Description Due at Fee Type Amount Application (AFP) Submission of AFP US Expenses 350 New Beginnings’ Fee, 1st part Adoption Service Agreement US Expenses 1,500 3,500 IAAME Fee Adoption Service Agreement US Expenses 500 Program Coordination, 1st part Home Study Approval US Exp., Translation & Document 3,500 New Beginnings’ Fee, 2nd part Acceptance of the Referral US Expenses 2,500 3,000 Program Coordination, 2nd part Acceptance of the Referral US Exp., Translation & Document 1,500 Foreign Agency Fee Acceptance of the Referral ForeignExp. 7,500 Orphanage Contribution When Xxxxxx is requested Contributions, Childcare, Translation & Doc 19,500 Program Coordination, 3rd part Submission of EP US Exp., Translation & Document 3,000 New Beginnings’ Fee, 2nd part Submission of EP US Expenses 2,500 (see Tangier next page) 2,000 Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (add 400 if in NY) 1,700 Post-Adoption, six four reports Submission of EP Post-Adoption Reports 2,550 1,700 Transportation home visit When Billed Mileage/Travel 55¢/mile, tolls, parking Social Services for families outside our service area. Fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,500 to 3,000 Post-Adoption Before travel Post-Adoption Reports 1,800 to 3,000 Supervision of Services Adoption Service Agreement Home Study paid to NB 500 Description Due at Paid to Amount USCIS, I-600A filing fee Home Study Approval Homeland Security 775 Fingerprints Home Study Approval Homeland Security 85 per person Psychological Evaluation Home Study Process Psychiatrist Office 400 to 1,000 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Recognition and Re-adoption I-600 filing fee After kafala Homeland Security 325 Adoption Finalization Post-Adoption Attorney’s Office 500 700 to 2,000 Travel and Overseas Court Notice and Travel Fee Type: 2,500 N-600 (citizenship application) After finalization Homeland Security 1,170 Travel & Accommodations 6,000 to 9,000 Third-PartyAccommodations, fee type SAMPLE Acceptance and Travel Service Providers 3,750 to 8,700 Total Adoption Fees, paid to New Beginnings and orphanage $31,350 20,350 Social Services, (Home Study and Post-Adoption Fees) 3,300 3,400 to 6,000 6,500 Third-Party Fees 2,245 3,540 to 4,845 5,840 Travel and Overseas Expenses 6,000 3,750 to 9,000 8,700 The AFP is the Adoptive Family Profile, NB’s Application. EP is Emigration Permission. The Ministry of Health and Welfare approves the adoption to proceed to court. The Local Agency is the home study agency when NB is not providing Social Services. When using a Local Provider, we require a Post-Adoption Placement Commitment showing that all fees have been paid before traveling. Some states charge a processing fee for clearances. We have estimated third-party costs. If you are asked to pay more than what is presented, let NB know. Travel and Overseas Accommodation Expenses are for air travel, hotel, meals, and local transportation. Flying business or first class or staying at expensive hotels will cause you to exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Korea Morocco will need a name change and re-adoption. Some states make the process easy enough that an attorney is not requiredadoption finalized in your state of residence. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for routine express mailing; all others are billed separately. For qualified families, the Adoption Tax Credit can reduce the adoption cost by as much as $14,300. New Beginnings’ Services and AFP: US Expense (4,8506,850) to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations. For personnel cost, staff training and development, administrative overhead, and operational expenses. Also, for coordinating the adoption process, including parent education and child- specific education, assisting in filing US Citizenship and Immigration Services (CIS) applications, pre-and post-adoption support. Program Coordination: US Expense, (5,5007,950) for program development; monitor and oversightoversee the Morocco process, training, including working with ESWS to help identify a child and arranging for an adoption; receiving a referral that includes the Child’s Background Study; . Foreign Country, (2,550) in-country facilitator to establishing the itineraries for the adoption hearing, securing the child’s legal information to present to CIS; establishing the itineraries while the family is abroad for the adoption hearing, the placement of the child and USCIS for the child’s travel visa; arrange or provide in-country travel, and represent and assist in communication with authorities and providers in Morocco. Translation and Document, (1,000500) compiling and presenting the dossier to ESWS to be filing in Korea for emigration permissionFor translating of dossier. IAAME: US Expense, (500) Pass through to Intercountry Adoption Accreditation and Maintenance Entity, Inc. for monitoring and oversight of adoption service providers. The price is 500 per child to be adopted.

Assessment of Risk. Our goal at New Beginnings Family and Children Services is to complete for the successful completion of an adoption with every Applicant successfullyapplicant. This occurs most the majority of the time; , however, there are those rare occasions when this is not the case. Those risks include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension, suspension or changes to the program selected, or selected and a denial following the initial home study approval. NB New Beginnings works to minimize the risks, risks and we are, by and large, successful. • Lost Referral. A lost referral happens when new facts or information becomes available, making available that makes it difficult or impossible for the child to be placed. Information on the child will continue to come forward before the adoption. If it indicates the child has more significant medical or emotional needs, needs than the family has not been approved for or would choose to accept, the Referral referral could be declined. A referral may be lost because there is a change in the legal status of a child’s legal status, making him or her unavailable for adoption. Although rare, some reasons for this would be an error in the child’s legal documents, or a biological parent or extend family member objects to the child being adopted internationallyinternationally adopted. Lost referrals are uncommon, but NB when they happen, New Beginnings will counsel the family through the grief when they happengrief. In most situations, there will be another assignment for consideration. • Program Suspension or Changes: Changes in international adoption do happen. The foreign country, the US U.S Department of State, State or NB New Beginnings may decide make a determination that an adoption program will be suspended, closed, or requirements will be changed. If there is a likelihood a program will close, close or there are pending changes that could result in excluding your application, NB New Beginnings will work with you to determine the best course of action. There is usually a period of uncertainty while facts are sorted out, out and options become available. Some time and patience will be needed. SAMPLE • Undiscoverable or Undetected Medical or Emotional Conditions. : Some medical or emotional problems are undiscoverable when at the time the child is placed for adoption. Regrettably, some otherwise healthy children later become ill or sick, or emotional issues problems can later develop or manifest themselves with age. This risk cannot be avoided. Some medical or emotional problems are do go undetected until after the child is home. You can reduce lessen this risk of an undetected medical or emotional problem by using an independent medical professional specializing who specializes in international adoption. They He or she will review the assignment information and assist you in deciding making a determination on the child’s medical and emotional health. If there is a concern, when a medical specialist in international adoption makes the request, supplemental information is usually available. • Denial After the Home Study is Approved: USCIS, the Central Authority, or possibly a judge, orphanage director, director or the child all can make an independent determination regarding the adoption. An undisclosed arrest will be discovered by USCIS will discover an undisclosed arrest, which and could lead to their denial. Moreover, an arrest, a medical problem, problem or limited finances though approved by NBNew Beginnings, could be unacceptable by another authority in the process. NB New Beginnings minimizes this risk by considers other standards and sensibilities, and, when possible, we seek pre-pre- approval for an applicant when there is a concern. During If over the course of the adoption process, if process new information comes to light, such as, but not limited to to, an arrest, loss of employment or income, allegation of abuse, failing to disclose vital information or a change of circumstance, anger or stress management, emotional maturity, capacity for affection, marital difficulty, difficulty and mental stability are some areas that could cause NB the initial approval to reevaluate its initial approvalbe reevaluated. • In Conclusion: NB New Beginnings tries to minimize the risk where possible. The risks of undiscovered or undiagnosed medical problems are, by definition, difficult to reduce. However, we seek to obtain quality information on the child, and if there is any concern, concern seek the help of a specialist. Just as everyone wants a full and complete assessment of the child, it is expected for the adopting familyfamily as well. Families need to be honest and disclose their information. Realize that you are being approved to adopt a child. It is the child’s best interest that is being served and protected. Respect the process, conduct yourself with kindness and grace, and the adoption process will be a more enjoyable and enriching experience. WE HAVE READ THE ABOVE STATEMENT THOROUGHLY FULLY AND CAREFULLY. BY OUR INITIALS BELOW, WE ACKNOWLEDGE THAT WE FULLY UNDERSTAND AND ACCEPT THE ABOVE RISKS DESCRIBED THEREIN AND INTEND TO PROCEED IN OUR APPLICATION FOR AN INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. Description Home Study Due with Agreement 1,700 Post-Adoption $425 for each report; minimum four reports are needed. Due at Fee Type Amount Application (AFP) Submission of AFP US Expenses 350 EP 1,700 Total New Beginnings’ Fee, 1st part Adoption Service Agreement US Social Services $3,400 Total Agency Fees 5,350 Total Korean Program Fees 26,000 Incidental and Other Expenses 1,500 IAAME Fee Adoption Service Agreement US Expenses 500 Program Coordination, 1st part 7,795 to 11,095 New Beginning’s Home Study Approval US Expenses 2,500 Program Coordination, 2nd part Acceptance of the Referral US Exp., Translation & Document 1,500 Foreign Agency Fee Acceptance of the Referral Foreign, Childcare, Translation & Doc 19,500 Program Coordination, 3rd part Submission of EP US Exp., Translation & Document 3,000 New Beginnings’ Fee, 2nd part Submission of EP US Expenses 2,500 Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (add 400 if in NY) 1,700 Post-Adoption, six reports Submission of EP Post-Adoption Reports 2,550 Transportation home visit When Billed Mileage/Travel 55¢/mile, tolls, parking Social Services for families outside our service area. Fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,500 to 3,000 Post-Adoption Before travel Post-Adoption Reports 1,800 to 3,000 Description Due at Paid to Amount USCIS, I-600A filing fee Home Study Approval Homeland Security 775 Fingerprints Home Study Approval Homeland Security 85 per person Psychological Evaluation Home Study Process Psychiatrist Office 400 to 1,000 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Recognition and Re-adoption Post-Adoption Attorney’s Office 500 to 2,000 Travel and Overseas Court Notice and Travel Fee Type: Travel & Accommodations 6,000 to 9,000 Third-Party, fee type SAMPLE Total Adoption Fees, paid to New Beginnings $31,350 Social Services, (Home Study and Post-Adoption Fees) 3,300 to 6,000 Third-Party Fees 2,245 to 4,845 Travel and Overseas Expenses 6,000 to 9,000 The AFP is the Adoptive Family Profile, NB’s Application. EP is Emigration Permission. The Ministry of Health and Welfare approves the adoption to proceed to court. The Local Agency is the home study agency when NB is not providing Social Services. When using a Local Provider, we require a Post-Adoption Commitment showing that all fees have been paid before traveling. Some states charge a processing fee for clearances. We have estimated third-party costs. If you are asked to pay more than what is presented, let NB know. Travel and Overseas Expenses are for air travel, hotel, meals, and local transportation. Flying business or first class or staying at expensive hotels will cause you to exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Korea will need a name change and re-adoption. Some states make the process easy enough that an attorney is not required. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for routine express mailing; all others are billed separately. For qualified families, the Adoption Tax Credit can reduce the adoption cost by as much as $14,300. New Beginnings’ Services and AFP: US Expense (4,850) to establish a service plan and ensure all adoption services are consistent with if applicable laws and regulations. For personnel cost, staff training and development, administrative overhead, and operational expenses. Also, for coordinating the adoption process, including parent education and child- specific education, assisting in filing US Citizenship and Immigration Services (CIS) applications, pre-and post-adoption support. Program Coordination: US Expense, (5,500) for program development; monitor and oversight, training, including working with ESWS to identify a child and arranging for an adoption; receiving a referral that includes the Child’s Background Study; securing the child’s legal information to present to CIS; establishing the itineraries while the family is abroad for the adoption hearing, the placement of the child and the child’s travel visa, Translation and Document, (1,000) compiling and presenting the dossier to ESWS to be filing in Korea for emigration permission. IAAME: US Expense, (500) Pass through to Intercountry Adoption Accreditation and Maintenance Entity, Inc. for monitoring and oversight of adoption service providers. The price is 500 per child to be adopted.3,400

Assessment of Risk. Our goal at New Beginnings Family and Children Services is to complete for the successful completion of an adoption with every Applicant successfullyapplicant. This occurs most the majority of the time; however, there are those rare occasions when this is not the case. Those risks include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension, suspension or changes to the program selected, selected or a denial following the initial home study approval. NB New Beginnings works to minimize the risks, risks and we are, by and large, successful. • Lost Referral. A lost referral happens when new facts or information becomes available, making it difficult or impossible for the child to be placed. Information on the child will continue to come forward before the adoption. If it indicates the child has more significant medical or emotional needs, needs than the family has not been approved for or would choose to accept, the Referral referral could be declined. A referral may be lost because there is a change in the legal status of a child’s legal status, making him or her unavailable for adoption. Although rare, some reasons for this would be an error in the child’s legal documents, or a biological parent or extend family member objects to the child being adopted internationally. Lost referrals are uncommon, but NB when they happen, New Beginnings will counsel the family through the grief when they happengrief. In most situations, there will be another assignment for consideration. • Program Suspension or Changes: Changes in international adoption do happen. The foreign country, the US U.S Department of State, or NB New Beginnings may decide that an adoption program will be suspended, closed, or requirements will be changed. If there is a likelihood a program will close, close or there are pending changes that could result in excluding your application, NB New Beginnings will work with you to determine the best course of action. There is usually a period of uncertainty while facts are sorted out, out and options become available. Some time and patience will be needed. SAMPLE • Undiscoverable or Undetected Medical or Emotional Conditions. : Some medical or emotional problems are undiscoverable when at the time the child is placed for adoption. Regrettably, some otherwise healthy children later become ill or sick, or emotional issues problems can later develop or manifest themselves with age. This risk cannot be avoided. Some medical or emotional problems are do go undetected until after the child is home. You can reduce lessen this risk of an undetected medical or emotional problem by using an independent medical professional specializing who specializes in international adoption. They He or she will review the assignment information and assist you in deciding on the child’s medical and emotional health. If there is a concern, when a medical specialist in international adoption makes the request, supplemental information is usually available. • Denial After the Home Study is Approved: USCIS, the Central Authority, or possibly a judge, orphanage director, or the child all can make an independent determination regarding the adoption. An undisclosed arrest will be discovered by USCIS will discover an undisclosed arrest, which and could lead to their denial. Moreover, an arrest, a medical problem, problem or limited finances though approved by NBNew Beginnings, could be unacceptable by another authority in the process. NB New Beginnings minimizes this risk by considers other standards and sensibilities, and, when possible, we seek pre-pre- approval for an applicant when there is a concern. During If throughout the adoption process, if process new information comes to light, such as, but not limited to to, an arrest, loss of employment or income, allegation of abuse, failing to disclose vital information or a change of circumstance, anger or stress management, emotional maturity, capacity for affection, marital difficulty, difficulty and mental stability are some areas that could cause NB the initial approval to reevaluate its initial approvalbe reevaluated. • In Conclusion: NB New Beginnings tries to minimize the risk where possible. The risks of undiscovered or undiagnosed medical problems are, by definition, difficult to reduce. However, we seek to obtain quality information on the child, and if there is any concern, seek the help of a specialist. Just as everyone wants a complete assessment of the child, it is expected for the adopting familyfamily as well. Families need to be honest and disclose their information. Realize that you are being approved to adopt a child. It is the child’s best interest that is being served and protected. Respect the process, conduct yourself with kindness and grace, and the adoption process will be a more enjoyable and enriching experience. WE HAVE READ THE ABOVE STATEMENT THOROUGHLY FULLY AND CAREFULLY. BY OUR INITIALS BELOW, WE ACKNOWLEDGE THAT WE FULLY UNDERSTAND AND ACCEPT THE ABOVE RISKS DESCRIBED THEREIN THEREIN, AND INTEND TO PROCEED IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. Description Home Study Due with Agreement 1,700 Post-Adoption $425 for each report; minimum four reports are needed. Due at Fee Type Amount Application (AFP) Submission of AFP US Expenses 350 EP 1,700 Total New Beginnings’ Fee, 1st part Adoption Service Agreement US Social Services $3,400 Total Agency Fees 5,350 Total Korean Program Fees 26,000 Incidental and Other Expenses 1,500 IAAME Fee Adoption Service Agreement US Expenses 500 Program Coordination, 1st part 7,795 to 11,095 New Beginning’s Home Study Approval US Expenses 2,500 Program Coordination, 2nd part Acceptance of the Referral US Exp., Translation & Document 1,500 Foreign Agency Fee Acceptance of the Referral Foreign, Childcare, Translation & Doc 19,500 Program Coordination, 3rd part Submission of EP US Exp., Translation & Document 3,000 New Beginnings’ Fee, 2nd part Submission of EP US Expenses 2,500 Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (add 400 if in NY) 1,700 Post-Adoption, six reports Submission of EP Post-Adoption Reports 2,550 Transportation home visit When Billed Mileage/Travel 55¢/mile, tolls, parking Social Services for families outside our service area. Fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,500 to 3,000 Post-Adoption Before travel Post-Adoption Reports 1,800 to 3,000 Description Due at Paid to Amount USCIS, I-600A filing fee Home Study Approval Homeland Security 775 Fingerprints Home Study Approval Homeland Security 85 per person Psychological Evaluation Home Study Process Psychiatrist Office 400 to 1,000 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Recognition and Re-adoption Post-Adoption Attorney’s Office 500 to 2,000 Travel and Overseas Court Notice and Travel Fee Type: Travel & Accommodations 6,000 to 9,000 Third-Party, fee type SAMPLE Total Adoption Fees, paid to New Beginnings $31,350 Social Services, (Home Study and Post-Adoption Fees) 3,300 to 6,000 Third-Party Fees 2,245 to 4,845 Travel and Overseas Expenses 6,000 to 9,000 The AFP is the Adoptive Family Profile, NB’s Application. EP is Emigration Permission. The Ministry of Health and Welfare approves the adoption to proceed to court. The Local Agency is the home study agency when NB is not providing Social Services. When using a Local Provider, we require a Post-Adoption Commitment showing that all fees have been paid before traveling. Some states charge a processing fee for clearances. We have estimated third-party costs. If you are asked to pay more than what is presented, let NB know. Travel and Overseas Expenses are for air travel, hotel, meals, and local transportation. Flying business or first class or staying at expensive hotels will cause you to exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Korea will need a name change and re-adoption. Some states make the process easy enough that an attorney is not required. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for routine express mailing; all others are billed separately. if applicable 3,400 For qualified families, the Adoption Tax Credit can reduce the cost of the adoption cost by as much as $14,30013,600. New Beginnings’ Services A home visit for a Minor Change of Circumstances such as a change in residency, a change in employment that does not substantially reduce income, positive and AFP: US Expense neutral changes in finances, minor changes in physical health or medications. A home visit to update the Home Study for USCIS for the one-time free extension or to keep the home study current. To respond to a USCIS Request for Evidence (4,850RFE) to establish make edits or additions to the home study. Major Changes of Circumstances such as loss of employment or financial security, arrest, allegation of child abuse, change in medical condition, changes in emotional or mental health, pregnancy, difficulty in marital relationship or with significant other, accusation of impropriety or New Beginnings concerns about the prospective adoptive parents’ capacity to raise an adoptive child. Supplemental Home Study Service may be required if there is a failure to disclose critical information for the initial home study, or in response to an RFE on the prospective adoptive parents’ capacity to adopt or undisclosed criminal history. Home Study Review, (for families who do not live in our service plan and ensure all adoption services are consistent with applicable laws and regulationsarea) no fee For supervising a cooperating agency that is conducting the Home Study. For personnel cost, staff training and development, administrative overhead, and operational expenses. Also, There is no fee for coordinating the adoption process, including parent education and child- specific education, assisting in filing US Citizenship and Immigration Services (CIS) applications, pre-and overseeing another agency’s post-adoption supportreports. Program Coordination: US ExpenseWe do require a Post-Adoption Commitment letter from your Home Study Agency showing that all fees for post-adoption services have been paid. For families who had a home study previously done by NBFCS and is beginning another adoption process. The standard home study fee is not due. During the family’s second trip to Korea, some donation to ESWS would be appropriate. In addition, look to support the work ESWS does for years to come. They are a remarkable agency. Make them a part of your annual charitable contributions. Accelerated services are those that require completion in less than six weeks. Failing to provide a clearance request or other necessary information promptly could also result in accelerated services. Although New Beginnings will make all reasonable efforts to complete the service in the required time, there can be no assurance the shortened time frame can be met. In the event services are requested or required that Exceed Routine Services, New Beginnings reserves the right to charge for such services. • Preparing or helping to prepare documents for a response to an RFE or NOID, est. fee $700 to $1,000; • Having to make unanticipated efforts to receive information or documentation from the client, home study agency, the foreign provider (5,500) for program development; monitor and oversight, training, including working with ESWS a request to identify a child and arranging for an adoption; receiving a referral that includes the Child’s Background Study; securing supplement or correct the child’s legal information documents), or other person involved in the process, est. fee $500 to present $1,000. • For additional clearances, documentation, and interviews for extended family members or other persons living in the home, $300 to CIS; establishing $700. • For finalization that requires filing by NB, $200 to $600. If a court appearance is requested for a representative of New Beginnings, $300/day (as well as mileage and incidental expenses). • In the itineraries while the family is abroad for event the adoption hearingis in crisis, the placement of the child New Beginnings can charge for additional services including extra post-adoption reports, counseling, respite care or attorney services to secure consents, Interstate Compact approvals, etc. • Copying fee may be charged if duplicate documents are requested and the child’s travel visanot received or incorrectly copied, Translation and Document, (1,000) compiling and presenting the dossier to ESWS to be filing in Korea for emigration permission. IAAME: US Expense, (500) Pass through to Intercountry Adoption Accreditation and Maintenance Entity, Inc. for monitoring and oversight of adoption service providers. The price is 500 per child to be adopted$.50/copy.