Common use of ASSESSMENT OF THE RISK Clause in Contracts

ASSESSMENT OF THE RISK. Our goal at New Beginnings Family and Children Services is to complete an adoption with every Applicant successfully. Successful adoptions occur most of the time; however, there are risks inherent to international adoption. The following is a list of risks you must be aware of when adopting internationally. These risks are not unique to New Beginnings. 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 Adoption. If it indicates the child has more significant medical or emotional needs, the referral could be declined if the family has not been approved for or would choose to accept it. A referral may be lost because a change in a child's legal status makes them unavailable for Adoption. Although rare, some reasons for this would be an error in the child's legal documents or a biological parent or extended family member 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 grief when they happen. In most situations, there will be another assignment for consideration. SAMPLE • 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 change requirements. If there is a likelihood that a program will close, 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. • 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. When a medical specialist in International Adoption makes a written request, supplemental information is usually available 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 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 approved by NB could be unacceptable by another authority. NB minimizes this risk by 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 but not limited to: an arrest, loss of employment or income, allegation of abuse, 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 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. 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 WITH OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. ADOPTION EXPENSES DISCLOSURE Morocco Table 1, Adoption Fees and Expenses, ordered by when it is paid. Submission of AFP Application (KFP) US Expenses, pd. to NB 350 Adoption Service Agreement (home study fees are due at this time; see Table 2.) New Beginnings’ Fee, 1st part US Expenses, pd. to NB 3,500 CEAS Fee 3rd Party, pd. to NB 815 Before Home Study Parent Education Workshops 3rd Party, pd. to online provider 150 to 300 Home Study Approval New Beginnings’ Fee, 2nd part US Expenses, pd. to NB 1,350 Program Fee, 1st part US Expenses and Translation, pd. to NB 3,500 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 New Beginnings’ Fee, 3rd part US Expenses, pd. to NB 3,000 Program Fee, 2nd part US Expenses and Foreign Country, pd. to NB 8,350 Contribution Contribution, pd. to NB or pd. to orphanage 2,000 Islam Verification 3rd Party, Islamic Affairs Office 120 Paid at Travel Travel and Overseas Expenses Travel & Accommodations 5,000 to 9,000 Medical, and Visa 3rd Party, pd. to US Embassy 625 Paid After Placement Adoption Finalization 3rd Party, pd. to Attorney’s Office 700 to 2,500 Table 2, Social Services paid when NB does services for families living in our service area of NY, NJ, PA, or FL. Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (NY add 400) 2,200 Post-Placement, four reports Acceptance of Referral Post-Placement Reports 1,900 Transportation home visit When Billed Travel 62¢/mile, tolls, parking Social Services when NB is not providing the service. Estimated fees paid to Local Adoption agency. Home Study When Billed Home Study 1,700 to 3,300 Post-Placement Before travel Post-Placement Reports 1,600 to 2,700 Supervision of Services Adoption Service Agreement Home Study paid to NB, 500 Supervision of Services Adoption Service Agreement Referral paid to NB, 300 Total Social Services (Home Study and Post-Placement) 4,100 to 6,800 SAMPLE Notes 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, a local agency will do the home study and post-placements. When using a Local Agency, NB charges Supervision of Services fees (see page 7). These are not charged when NB is providing social services. 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. These are part of our agency fees. There is no right or wrong way; it is just something to know when comparing fees. Third- party expenses are substantially outside of our control. NB can accurately estimate these expenses, with the cost of an attorney to finalize the adoption in the client’s state of residence as the biggest unknown. Let NB know if you are asked to pay more than what is presented. Travel and Accommodation expenses are broad estimates to use for budgeting total Fees and Expenses for the program. The Adoption Tax Credit can reduce the adoption cost by as much as 16,810 for qualified families. Kafala Fund Grants are available to families with financial needs and families adopting a waiting child. Table 3, Fees and Expenses by Category US Expenses 16,650 Foreign Provider 2,900 Contribution 2,000 Care of the Child 0 Total Adoption Fees 21,550 Home Study 2,200 to 3,800 Post-Placement Reports 1,900 to 3,000 Total Social Services 4,100 to 6,800 Translation and Document 500 Third-Party 3,580 to 5,880 Travel and Accommodations 5,000 to 9,000 Estimated Total Expense 34,730 to 43,730 DESCRIPTION OF SERVICES New Beginnings' Services and KFP: US Expense (8,200) includes the KFP and New Beginnings fee. Fees are to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations: personnel costs, 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, and pre-and post-adoption support. Program Coordination: US Expense (8,010) for program development; monitoring and overseeing the Morocco process, supervising foreign providers; training foreign providers; monitoring and supporting the family in Morocco before and after placement; helping in arranging the adoption; review the background information and request any needed information; make a non-judicial determination of a child’s best interests and the appropriateness of the adoptive placement for the child; review and verify when needed, the consent to terminate parental rights and adoption, reviews and approves the I-600 before submission. Foreign Country, (3,340) in-country facilitator to assist the family in interactions with the orphanage, establish the itineraries for the adoption hearing, secure the child's legal information for USCIS for the child's travel visa; with the family submits the I-600, arrange or provide in-country travel, and represent and assist in communication with authorities and providers in Morocco. Translation and Document, (500) for translating the dossier. CEAS: US Expense, (815) to the Center for Excellence in Adoption Services for Monitoring and Oversight of adoption service providers. The M&O fee is 815 per child to be adopted.

ASSESSMENT OF THE RISK. Our goal at New Beginnings Family and Children Services is to successfully complete an adoption with every Applicant successfullyApplicant. Successful adoptions occur This occurs most of the time; however, there are those rare occasions when this is not the case. Those risks inherent include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension or changes to international adoption. The the program selected, or denial following is a list of risks you must be aware of when adopting internationally. These risks are not unique to New Beginningsthe 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 Adoption. If it indicates the child has more significant medical or emotional needs, the referral could be declined if the family has not been approved for or would choose to accept itaccept. A referral may be lost because there is a change in a child's legal status makes status, making them unavailable for Adoption. Although rare, some reasons for this would be an error in the child's legal documents or a biological parent or extended family member 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 grief when they happen. In most situations, there will be another assignment for consideration. SAMPLE • 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 change requirements. If there is a likelihood that a program will close, NB 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 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. When a medical specialist in International Adoption makes a written request, supplemental information is usually available 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 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 approved by NB could be unacceptable by another authority. NB minimizes this risk by 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 but not limited to: an arrest, loss of employment or income, allegation of abuse, 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 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 WITH IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. ADOPTION EXPENSES DISCLOSURE Morocco Table 1, Adoption Fees and Expenses, ordered by when it is paid. Submission of AFP Paid to New Beginnings Description Due at Fee Type Amount Application (KFP) Submission of KFP US Expenses, pd. to NB Expenses 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, pd. to NB Expenses 3,500 CEAS IAAME Fee 3rd Party, pd. to NB 815 Before Home Study Parent Education Workshops 3rd Party, pd. to online provider 150 to 300 Home Study Approval Adoption Service Agreement US Expenses 500 New Beginnings’ ' Fee, 2nd part Home Study Approval US Expenses, pd. to NB Expenses 1,350 Program FeeCoordination, 1st part Home Study Approval US Expenses and TranslationExp., pd. to NB Translation & Document 3,500 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 New Beginnings’ ' Fee, 3rd part Acceptance of the Referral US Expenses, pd. to NB Expenses 3,000 Program FeeCoordination, 2nd part Acceptance of the Referral US Expenses and Exp., Foreign Country, pdExp. 8,350 Adoption Fee Paid to NB 8,350 Orphanage Orphanage Contribution Contribution, pd. to NB or pd. to orphanage When Kafala is requested Contributions (see La Creche next page) 2,000 Islam Verification 3rd Party, Islamic Affairs Office 120 Paid at Travel Travel and Overseas Expenses Travel & Accommodations 5,000 to 9,000 Medical, and Visa 3rd Party, pd. to US Embassy 625 Paid After Placement Total Adoption Finalization 3rd Party, pd. to Attorney’s Office 700 to 2,500 Table 2, Fees 22,550 Social Services paid when are done by NB does services for families living in our service area of NY, NJ, PA, or FL. Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (NY add 400400 if in NY) 2,200 1,700 Post-Placement, four reports Acceptance of Referral the referral Post-Placement Reports 1,900 1,700 Transportation home visit When Billed Mileage/Travel 62¢/mile, tolls, parking Social Services when NB is not providing the service. Estimated fees paid to Local Adoption agency. agency Home Study When Billed Home Study 1,700 1,500 to 3,300 3,000 Post-Placement Before travel Post-Placement Reports 1,600 1,700 to 2,700 3,000 Supervision of Services Adoption Service Agreement Home Study paid to NB, 500 Supervision of Services Adoption Service Agreement Post-Placement Referral paid to NB, 300 Total Social Services, Home Study, and Post-Adoption Fees 3,400 to 6,500 Third-Party, fee type 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 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Child's Visa Fee After kafala Homeland Security 325 Adoption Finalization Post-Adoption Attorney's Office 700 to 2,500 N-600 (citizenship application) After finalization Homeland Security 1,170 Travel & Accommodations, fee type Acceptance and Travel Service Providers 3,750 to 8,700 SAMPLE Summary of Moroccan Fees and Expenses Total Adoption Fees paid to New Beginnings and orphanage $22,550 Social Services (Home Study and Post-PlacementPlacement Fees) 4,100 3,400 to 6,800 SAMPLE 6,500 Third-Party Fees 3,540 to 5,840 Travel and Overseas Expenses 3,750 to 8,700 Final Estimated Adoption Cost $33,240 to 43,590 Notes Table 1 shows The KFP is the fees and expenses by when they are paidKafala Family Profile, NB's Application. Table 2 shows fees for Social Services. When NB does not provide social services, a local agency will do The Local Agency is the home study and post-placementsagency when NB is not providing Social Services. When using a Local AgencyProvider, NB charges Supervision of Services we require a Post-Placement Commitment showing that all fees (see page 7)have been paid before traveling. These are not charged when NB is providing social servicesSome states charge a processing fee for clearances. Table 3 presents Fees and Expenses by CategoryWe have estimated third-party costs. 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. These are part of our agency fees. There is no right or wrong way; it is just something to know when comparing fees. Third- party expenses are substantially outside of our control. NB can accurately estimate these expenses, with the cost of an attorney to finalize the adoption in the client’s state of residence as the biggest unknown. Let NB know if If you are asked to pay more than what is presented, let NB know. Travel and Accommodation expenses Expenses are broad estimates for air travel, hotel, meals, and local transportation. Flying business, first class, or staying at expensive hotels will cause you to use exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Morocco will need the Adoption finalized in your State of residence. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for budgeting total Fees and Expenses for routine express mailing; all others are billed separately. For qualified families, the program. The Adoption Tax Credit can reduce the adoption cost by as much as 16,810 for qualified families$14,300. Kafala Fund Grants are available to families with financial needs and families adopting a waiting child. Table 3, Fees and Expenses by Category US Expenses 16,650 Foreign Provider 2,900 Contribution 2,000 Care of the Child 0 Total Adoption Fees 21,550 Home Study 2,200 to 3,800 Post-Placement Reports 1,900 to 3,000 Total Social Services 4,100 to 6,800 Translation and Document 500 Third-Party 3,580 to 5,880 Travel and Accommodations 5,000 to 9,000 Estimated Total Expense 34,730 to 43,730 DESCRIPTION OF SERVICES New Beginnings' Services and KFP: US Expense (8,2007,850) includes the KFP and KFP, New Beginnings fee, Program fees, and IAAME fee. Fees are to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations: personnel costs, 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-pre- and post-adoption support. Program Coordination: US Expense (8,0108,450) for program development; monitoring and overseeing the Morocco process, supervising foreign providerstraining, helping identify a child for Adoption; training foreign providers; monitoring and supporting receiving a referral that includes the family in Morocco before and after placement; helping in arranging the adoption; review the background information and request any needed information; make a non-judicial determination of a child’s best interests and the appropriateness of the adoptive placement for the child; review and verify when needed, the consent to terminate parental rights and adoption, reviews and approves the I-600 before submissionChild's Background Study. Foreign Country, (3,3403,400) in-country facilitator to assist the family in interactions with the orphanage, establish the itineraries for the adoption hearing, secure the child's legal information for USCIS for the child's travel visa; with the family submits the I-600, arrange or provide in-in- country travel, and represent and assist in communication with authorities and providers in Morocco. Translation and Document, (500) for For translating the dossier. CEASIAAME: US Expense, (815500) Pass through to the Center Intercountry Adoption Accreditation and Maintenance Entity, Inc. for Excellence in Adoption Services for Monitoring monitoring and Oversight oversight of adoption service providers. The M&O fee price is 815 500 per child to be adopted. La Creche Contribution: New Beginnings will collect the $2,000 contribution for La Creche in Tangier at the referral and wire it to the orphanage. If kafala is not requested, the contribution is entirely refundable. FEES FOR OTHER SERVICES Total Expenses by Type US Expenses 16,650 Translation and Document 500 Foreign Country 3,400 Contribution 2,000 Care of the Child 0 Total Adoption Fees 22,550 Home Study 1,700 to 3,500 Post-Placement Reports 1,700 to 3,000 Total Social Services 3,400 to 6,500 Third-Party 3,540 to 5,840 Travel and Accommodations 3,750 to 8,700 Estimated Total Expense $33,240 to 43,590 Home Study Update 450 Examples are a home visit for a change in residency, employment that does not reduce income, positive and neutral changes in finances, and minor changes in physical health or medications. For USCIS, for the one-time free extension or to keep the home study current. SAMPLE Supplemental Home Study Services 900 Examples are a loss of employment, financial insecurity, arrest, an allegation of child abuse, change in medical, emotional, or mental health, pregnancy, marital difficulty, an accusation, or concerns about the prospective adoptive parents' capacity to raise an adoptive child, a failure to disclose critical information such as undisclosed criminal history, a response to an RFE, and when the I-600A has expired, and a new home study is needed. Supervision of Social Services (for families who do not live in our service area) 500/300 The fee for supervising the cooperating agency conducting the Home Study is 500, due at agreement. For supervising another agency's post-placement reports, 300 is due at referral. We require a Post-Placement Commitment letter from your Home Study Agency showing all fees for post-placement services have been paid. Returning Family Home Study 1,300/1,700 NY The Home Study fee is reduced for families who had a home study previously done by NB and are beginning another adoption process. The standard home study fee is not due. Personal Travel in Morocco 10/hour The in-country facilitator may provide transportation for personal activities such as sightseeing for 80MAD per hour (approximately $US10 per hour). Exceeds Routine Services NB reserves the right to charge for required services that Exceed Routine Services, such as: • Preparing or helping to prepare documents to respond 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, or other person involved in the process, est. fee $500 to $1,000. • To secure 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 the Court requests an appearance of a NB's representative, $300/day (as well as mileage or airfare and accommodations if needed). • If the Adoption or placement is in crisis, NB can charge for extra post-adoption or post-placement reports, counseling, respite care, or attorney services to secure consents, Interstate Compact approvals, etc. • Adopting two siblings, fees for IAAME and Contributions will double. Post-placement fees will increase by 50%. In addition, there can be as much as a 50% increase in other fees. A new fee disclosure will be presented. Items You Should Not Pay New Beginning has disclosed all anticipated expenses and costs for adoption services. Families will be making payments to NB, the home study agency, USCIS, and the US Embassy in the country. Payments to the cooperating agency are disclosed. There are no "unofficial" adoption fees. Do not make or offer to make payments beyond what is disclosed without consulting NB. Unless approved, do not make or offer to make donations before the placement of the child. Do not make or offer to make any payments to anyone to induce the relinquishment of a child. Do not pay additional fees to expedite the process abroad. Payments to any third party in the adoption process should be reasonable and proportional to the country's standards. If you are asked to pay such additional fees at any time, contact NB immediately.

ASSESSMENT OF THE RISK. Our goal at New Beginnings Family and Children Services is to successfully complete an adoption with every Applicant successfullyApplicant. Successful adoptions occur This occurs most of the time; however, there are those rare occasions when this is not the case. Those risks inherent include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension or changes to international adoption. The the program selected, or denial following is a list of risks you must be aware of when adopting internationally. These risks are not unique to New Beginningsthe 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 Adoption. If it indicates the child has more significant medical or emotional needs, the referral could be declined if the family has not been approved for or would choose to accept itaccept. A referral may be lost because there is a change in a child's legal status makes status, making them unavailable for Adoption. Although rare, some reasons for this would be an error in the child's legal documents or a biological parent or extended family member 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 grief when they happen. In most situations, there will be another assignment for consideration. SAMPLE • 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 change requirements. If there is a likelihood that a program will close, NB 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 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. When a medical specialist in International Adoption makes a written request, supplemental information is usually available 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 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 approved by NB could be unacceptable by another authority. NB minimizes this risk by 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 but not limited to: an arrest, loss of employment or income, allegation of abuse, 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 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 WITH IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. ADOPTION EXPENSES DISCLOSURE Morocco Table 1, Adoption Fees and Expenses, ordered by when it is paid. Submission of AFP Paid to New Beginnings Description Due at Fee Type Amount Application (KFP) Submission of KFP US Expenses, pd. to NB Expenses 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, pd. to NB Expenses 3,500 CEAS Fee 3rd Party, pd. to NB Adoption Service Agreement US Expenses 815 Before Home Study Parent Education Workshops 3rd Party, pd. to online provider 150 to 300 Home Study Approval New Beginnings’ ' Fee, 2nd part Home Study Approval US Expenses, pd. to NB Expenses 1,350 Program FeeCoordination, 1st part Home Study Approval US Expenses and TranslationExp., pd. to NB Translation & Document 3,500 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 New Beginnings’ ' Fee, 3rd part Acceptance of the Referral US Expenses, pd. to NB Expenses 3,000 Program FeeCoordination, 2nd part Acceptance of the Referral US Expenses and Exp., Foreign Country, pdExp. 8,350 Adoption Fee Paid to NB 8,350 Orphanage Orphanage Contribution Contribution, pd. to NB or pd. to orphanage When Kafala is requested Contributions (see La Creche next page) 2,000 Islam Verification 3rd Party, Islamic Affairs Office 120 Paid at Travel Travel and Overseas Expenses Travel & Accommodations 5,000 to 9,000 Medical, and Visa 3rd Party, pd. to US Embassy 625 Paid After Placement Total Adoption Finalization 3rd Party, pd. to Attorney’s Office 700 to 2,500 Table 2, Fees 22,865 Social Services paid when are done by NB does services for families living in our service area of NY, NJ, PA, or FL. Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (NY add 400400 if in NY) 2,200 2,100 Post-Placement, four reports Acceptance of Referral the referral Post-Placement Reports 1,900 1,700 Transportation home visit When Billed Mileage/Travel 62¢/mile, tolls, parking Social Services when NB is not providing the service. Estimated fees paid to Local Adoption agency. agency Home Study When Billed Home Study 1,700 2,100 to 3,300 3,800 Post-Placement Before travel Post-Placement Reports 1,600 1,700 to 2,700 Supervision of Services Adoption Service Agreement Home Study paid to NB, 500 Supervision of Services Adoption Service Agreement Post-Placement Referral paid to NB, 300 Total Social Services, Home Study, and Post-Adoption Fees 3,800 to 7,300 Third-Party, fee type 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 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 320 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Child's Visa Fee After kafala Homeland Security 325 Adoption Finalization Post-Adoption Attorney's Office 700 to 2,500 N-600 (citizenship application) After finalization Homeland Security 1,170 Travel & Accommodations, fee type Acceptance and Travel Service Providers 3,750 to 8,700 SAMPLE Summary of Moroccan Fees and Expenses Total Adoption Fees paid to New Beginnings and orphanage $22,865 Social Services (Home Study and Post-PlacementPlacement Fees) 4,100 3,800 to 6,800 SAMPLE 7,300 Third-Party Fees 3,540 to 5,840 Travel and Overseas Expenses 3,750 to 8,700 Final Estimated Adoption Cost $33,955 to 44,725 Notes Table 1 shows The AFP is the fees and expenses by when they are paidKafala Family Profile, NB's Application. Table 2 shows fees for Social Services. When NB does not provide social services, a local agency will do The Local Agency is the home study and post-placementsagency when NB is not providing Social Services. When using a Local AgencyProvider, NB charges Supervision of Services we require a Post-Placement Commitment showing that all fees (see page 7)have been paid before traveling. These are not charged when NB is providing social servicesSome states charge a processing fee for clearances. Table 3 presents Fees and Expenses by CategoryWe have estimated third-party costs. 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. These are part of our agency fees. There is no right or wrong way; it is just something to know when comparing fees. Third- party expenses are substantially outside of our control. NB can accurately estimate these expenses, with the cost of an attorney to finalize the adoption in the client’s state of residence as the biggest unknown. Let NB know if If you are asked to pay more than what is presented, let NB know. Travel and Accommodation expenses Expenses are broad estimates for air travel, hotel, meals, and local transportation. Flying business, first class, or staying at expensive hotels will cause you to use exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Morocco will need the Adoption finalized in your State of residence. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for budgeting total Fees and Expenses for routine express mailing; all others are billed separately. For qualified families, the program. The Adoption Tax Credit can reduce the adoption cost by as much as 16,810 for qualified families$14,300. Kafala Fund Grants are available to families with financial needs and families adopting a waiting child. Table 3, Fees and Expenses by Category US Expenses 16,650 Foreign Provider 2,900 Contribution 2,000 Care of the Child 0 Total Adoption Fees 21,550 Home Study 2,200 to 3,800 Post-Placement Reports 1,900 to 3,000 Total Social Services 4,100 to 6,800 Translation and Document 500 Third-Party 3,580 to 5,880 Travel and Accommodations 5,000 to 9,000 Estimated Total Expense 34,730 to 43,730 DESCRIPTION OF SERVICES New Beginnings' Services and KFP: US Expense (8,200) includes the KFP and New Beginnings fee. Fees are to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations: personnel costs, 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, and pre-and post-adoption support. Program Coordination: US Expense (8,010) for program development; monitoring and overseeing the Morocco process, supervising foreign providerstraining, helping identify a child for Adoption; training foreign providers; monitoring and supporting receiving a referral that includes the family in Morocco before and after placement; helping in arranging the adoption; review the background information and request any needed information; make a non-judicial determination of a child’s best interests and the appropriateness of the adoptive placement for the child; review and verify when needed, the consent to terminate parental rights and adoption, reviews and approves the I-600 before submissionChild's Background Study. Foreign Country, (3,340) in-country facilitator to assist the family in interactions with the orphanage, establish the itineraries for the adoption hearing, secure the child's legal information for USCIS for the child's travel visa; with the family submits the I-600, arrange or provide in-in- country travel, and represent and assist in communication with authorities and providers in Morocco. Translation and Document, (500) for For translating the dossier. CEAS: US Expense, (815) Pass through to the Center for Excellence in Adoption Services for Monitoring and Oversight of adoption service providers. The M&O fee is 815 per for each child to be adopted.

ASSESSMENT OF THE RISK. Our goal at New Beginnings Family and Children Services is to successfully complete an adoption with every Applicant successfullyApplicant. Successful adoptions occur This occurs most of the time; however, there are those rare occasions when this is not the case. Those risks inherent include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension or changes to international adoption. The the program selected, or denial following is a list of risks you must be aware of when adopting internationally. These risks are not unique to New Beginningsthe 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, the referral could be declined if the family has not been approved for or would choose to accept itaccept. A referral may be lost because there is a change in a child's legal status makes status, making them unavailable for Adoptionadoption. Although rare, some reasons for this would be an error in the child's legal documents or a biological parent or extended family member objecting objects 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 change changed 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. • 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 medical and emotional health. When a medical specialist in International Adoption international adoption makes a written the request, supplemental information is usually available 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 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 approved by NB could be unacceptable by another authority. NB minimizes this risk by 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 but not limited to: an arrest, loss of employment or income, allegation of abuse, failure 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, we seek the help of a specialist. Just as everyone wants a complete child assessment, a complete assessment 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 WITH IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. ADOPTION EXPENSES DISCLOSURE Morocco Table 1, Adoption Fees and Expenses, ordered by when it is paid. Submission of AFP Paid to New Beginnings Description Due at Fee Type Amount Application (KFP) Submission of KFP US Expenses, pd. to NB Expenses 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, pd. to NB Expenses 3,500 CEAS IAAME Fee 3rd Party, pd. to NB 815 Before Home Study Parent Education Workshops 3rd Party, pd. to online provider 150 to 300 Home Study Approval Adoption Service Agreement US Expenses 500 New Beginnings’ ' Fee, 2nd part Home Study Approval US Expenses, pd. to NB Expenses 1,350 Program FeeCoordination, 1st part Home Study Approval US Expenses and TranslationExp., pd. to NB Translation & Document 3,500 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 New Beginnings’ ' Fee, 3rd part Acceptance of the Referral US Expenses, pd. to NB Expenses 3,000 Program FeeCoordination, 2nd part Acceptance of the Referral US Expenses and Exp., Foreign Country, pdExp. 8,350 Adoption Fee Paid to NB 8,350 Orphanage Orphanage Contribution Contribution, pd. to NB or pd. to orphanage When Kafala is requested Contributions (see La Creche next page) 2,000 Islam Verification 3rd Party, Islamic Affairs Office 120 Paid at Travel Travel and Overseas Expenses Travel & Accommodations 5,000 to 9,000 Medical, and Visa 3rd Party, pd. to US Embassy 625 Paid After Placement Total Adoption Finalization 3rd Party, pd. to Attorney’s Office 700 to 2,500 Table 2, Fees 22,550 Social Services paid when are done by NB does services for families living in our service area of NY, NJ, PA, or FL. Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (NY add 400400 if in NY) 2,200 1,700 Post-Placement, four reports Acceptance of Referral the referral Post-Placement Reports 1,900 1,700 Transportation home visit When Billed Mileage/Travel 62¢/mile55¢/mile, tolls, parking Social Services when NB is not providing the servicefor families outside our service area. Estimated fees Fees paid to Local Adoption agency. Amounts are estimates. Home Study When Billed Home Study 1,700 1,500 to 3,300 3,000 Post-Placement Before travel Post-Placement Reports 1,600 1,700 to 2,700 3,000 Supervision of Services Adoption Service Agreement Home Study paid to NB, 500 Supervision Total Social Services, Home Study, and Post-Adoption Fees 3,800 to 6,500 Third-Party, fee type 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 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Services Referral 250 to 600 Child's Visa Fee After kafala Homeland Security 325 Adoption Finalization Post-Adoption Attorney's Office 700 to 2,500 N-600 (citizenship application) After finalization Homeland Security 1,170 Travel & Accommodations, fee type Acceptance and Travel Service Agreement Referral Providers 3,750 to 8,700 Summary of Moroccan Fees and Expenses Total Adoption Fees paid to NBNew Beginnings and orphanage $22,550 Social Services, 300 Total Social Services (Home Study and Post-PlacementPlacement Fees) 4,100 3,400 to 6,800 SAMPLE 6,500 Third-Party Fees 3,540 to 5,840 Travel and Overseas Expenses 3,750 to 8,700 Final Estimated Adoption Cost $33,240 to 43,590 Notes Table 1 shows The KFP is the fees and expenses by when they are paidKafala Family Profile, NB's Application. Table 2 shows fees for Social Services. When NB does not provide social services, a local agency will do The Local Agency is the home study and post-placementsagency when NB is not providing Social Services. When using a Local AgencyProvider, NB charges Supervision of Services we require a Post-Placement Commitment showing that all fees (see page 7)have been paid before traveling. These are not charged when NB is providing social servicesSome states charge a processing fee for clearances. Table 3 presents Fees and Expenses by CategoryWe have estimated third-party costs. 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. These are part of our agency fees. There is no right or wrong way; it is just something to know when comparing fees. Third- party expenses are substantially outside of our control. NB can accurately estimate these expenses, with the cost of an attorney to finalize the adoption in the client’s state of residence as the biggest unknown. Let NB know if If you are asked to pay more than what is presented, let NB know. Travel and Accommodation expenses Expenses are broad estimates for air travel, hotel, meals, and local transportation. Flying business, first class, or staying at expensive hotels will cause you to use exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Morocco will need the adoption finalized in your State of residence. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for budgeting total Fees and Expenses for routine express mailing; all others are billed separately. For qualified families, the program. The Adoption Tax Credit can reduce the adoption cost by as much as 16,810 for qualified families$14,300. Kafala Fund Grants are available to families with financial needs and families adopting a waiting child. Table 3, Fees and Expenses by Category US Expenses 16,650 Foreign Provider 2,900 Contribution 2,000 Care of the Child 0 Total Adoption Fees 21,550 Home Study 2,200 to 3,800 Post-Placement Reports 1,900 to 3,000 Total Social Services 4,100 to 6,800 Translation and Document 500 Third-Party 3,580 to 5,880 Travel and Accommodations 5,000 to 9,000 Estimated Total Expense 34,730 to 43,730 DESCRIPTION OF SERVICES New Beginnings' Services and KFP: US Expense (8,2007,850) includes the KFP and New Beginnings fee. Fees are to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations: . For personnel costscost, staff training and development, administrative overhead, and operational expenses; also. 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 (8,0108,450) for program development; monitoring and overseeing the Morocco process, supervising foreign providers; training foreign providers; monitoring and supporting the family in Morocco before and after placement; training, helping in arranging the identify a child for adoption; review receiving a referral that includes the background information and request any needed information; make a non-judicial determination of a child’s best interests and the appropriateness of the adoptive placement for the child; review and verify when needed, the consent to terminate parental rights and adoption, reviews and approves the I-600 before submissionChild's Background Study. Foreign Country, (3,3403,400) in-in- country facilitator to assist the family in interactions with the orphanage, establish the itineraries for the adoption hearing, secure the child's legal information for USCIS for the child's travel visa; with the family submits the I-600, arrange or provide in-country travel, and represent and assist in communication with authorities and providers in Morocco. Translation and Document, (500) for For translating the dossier. CEASIAAME: US Expense, (815500) Pass through to the Center Intercountry Adoption Accreditation and Maintenance Entity, Inc. for Excellence in Adoption Services for Monitoring monitoring and Oversight oversight of adoption service providers. The M&O fee price is 815 500 per child to be adopted. La Creche Contribution: New Beginnings will collect the $2,000 contribution for La Creche in Tangier at the referral and wire it to the orphanage. If kafala is not requested, the contribution is entirely refundable. FEES FOR OTHER SERVICES Total Expenses by Type US Expenses 16,650 Translation and Document 500 Foreign Country 3,400 Contribution 2,000 Care of the Child 0 Total Adoption Fees 22,550 Home Study 1,700 to 3,500 Post-Placement Reports 1,700 to 3,000 Total Social Services 3,400 to 6,500 Third-Party 3,540 to 5,840 Travel and Accommodations 3,750 to 8,700 Estimated Total Expense $33,240 to 43,590 Home Study Update 450 Examples are a home visit for a change in residency, employment that does not reduce income, positive and neutral changes in finances, and minor changes in physical health or medications. For USCIS for the one-time free extension or keep the home study current. Supplemental Home Study Services 900 Examples are a loss of employment, financial insecurity, arrest, an allegation of child abuse, change in medical, emotional, or mental health, pregnancy, marital difficulty, an accusation, or concerns about the prospective adoptive parents' capacity to raise an adoptive child, a failure to disclose critical information such as undisclosed criminal history, a response to an RFE, and when the I-600A has expired, and a new home study is needed. Supervision of Social Services (for families who do not live in our service area) 500 For supervising a cooperating agency that is conducting the Home Study. There is no fee for overseeing another agency's post-placement reports. We do require a Post-Placement Commitment letter from your Home Study Agency showing that all fees for post-placement services have been paid. Returning Family Home Study 1,300 The Home Study fee is reduced for families who had a home study previously done by NB and are beginning another adoption process. The standard home study fee is not due. Personal Travel in Morocco 10/hour The in-country facilitator may provide transportation for personal activities such as sightseeing for 80MAD per hour (approximately $US10 per hour). Exceeds Routine Services NB reserves the right to charge for required services that Exceed Routine Services, such services. • Preparing or helping to prepare documents to respond 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, or other person involved in the process, est. fee $500 to $1,000. • To secure 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, or if the court requests an appearance of a NB's representative, $300/day (as well as mileage or airfare and accommodations if needed). • If the adoption or placement is in crisis, NB can charge for extra post-adoption or post-placement reports, counseling, respite care, or attorney services to secure consents, Interstate Compact approvals, etc. • Adopting siblings, expect an increase of 50% for NB and Program fees. Contribution double. A new fee disclosure will be presented. Items You Should Not Pay New Beginning has disclosed all anticipated expenses and costs for adoption services. Families will be making payments to NB, the home study agency, USCIS, and the US Embassy in the country. Payments to the cooperating agency are disclosed. There are no "unofficial" adoption fees. Do not make or offer to make payments beyond what is disclosed without consulting NB. Unless approved, do not make or offer to make donations before the placement of the child. Do not make or offer to make any payments to anyone to induce the relinquishment of a child. Do not pay additional fees to expedite the process abroad. Payments to any third party in the adoption process should be reasonable and proportional to the country's standards. If you are asked to pay such additional fees at any time, contact NB immediately.

ASSESSMENT OF THE RISK. Our goal at New Beginnings Family and Children Services is to successfully complete an adoption with every Applicant successfullyApplicant. Successful adoptions occur This occurs most of the time; however, there are those rare occasions when this is not the case. Those risks inherent include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension or changes to international adoption. The the program selected, or denial following is a list of risks you must be aware of when adopting internationally. These risks are not unique to New Beginningsthe 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 Adoption. If it indicates the child has more significant medical or emotional needs, the referral could be declined if the family has not been approved for or would choose to accept itaccept. A referral may be lost because there is a change in a child's legal status makes status, making them unavailable for Adoption. Although rare, some reasons for this would be an error in the child's legal documents or a biological parent or extended family member 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 grief when they happen. In most situations, there will be another assignment for consideration. SAMPLE • 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 change requirements. If there is a likelihood that a program will close, NB 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 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. When a medical specialist in International Adoption makes a written request, supplemental information is usually available 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 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 approved by NB could be unacceptable by another authority. NB minimizes this risk by 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 but not limited to: to an arrest, loss of employment or income, allegation of abuse, 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 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 WITH IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. ADOPTION EXPENSES DISCLOSURE Morocco Table 1, Jamaica Adoption Fees and Expenses, ordered by when it is paid. Paid to New Beginnings Description Due at Fee Type Amount Application (AFP-IC) Submission of AFP Application (KFP) KFP US Expenses, pd. to NB Expenses 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, pd. to NB 3,500 CEAS Fee 3rd Party, pd. to NB 815 Before Home Study Parent Education Workshops 3rd Party, pd. to online provider 150 to 300 Home Study Approval Expenses 1,500 New Beginnings’ ' Fee, 2nd part US Expenses, pd. to NB 1,350 Program Fee, 1st part Home Study Approval US Expenses and Translation, pd. to NB 3,500 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 2,500 New Beginnings’ ' Fee, 3rd part US Expenses, pd. to NB 3,000 Program Fee, 2nd part Acceptance of the Referral US Expenses and Foreign Country, pd. to NB 8,350 Contribution Contribution, pd. to NB or pd. to orphanage 2,000 Islam Verification 3rd Party, Islamic Affairs Office 120 Paid at Travel Travel and Overseas 1,500 IAAME Fee Adoption Service Agreement US Expenses Travel & Accommodations 5,000 to 9,000 Medical, and Visa 3rd Party, pd. to US Embassy 625 Paid After Placement 500 Total Adoption Finalization 3rd Party, pd. to Attorney’s Office 700 to 2,500 Table 2, Fees 6,350 Social Services paid when are done by NB does services for families living in our service area of NY, NJ, PA, or FL. FL Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (NY add 400400 if in NY) 2,200 2,100 Post-Placement, four three reports Acceptance of Referral the referral Four Post-Placement Reports 1,900 1,275 Transportation home visit When Billed Mileage/Travel 62¢/mile, tolls, parking Social Services when NB is not providing the service. Estimated fees paid to Local Adoption agency. Home Study When Billed Home Study 1,700 1,500 to 3,300 3,000 Post-Placement Before travel Post-Placement Reports 1,600 1,275 to 2,700 3,000 Supervision of Services Adoption Service Agreement Home Study paid to NB, 500 Supervision of Services Adoption Service Agreement Post-Placement Referral paid to NB, 300 Total Social Services, Home Study, and Post-Adoption Fees 3,375 to 6,800 Third-Party, fee type 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 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 300 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Child's Visa Fee After kafala Homeland Security 325 Adoption Finalization Post-Adoption Attorney's Office 700 to 2,500 N-600 (citizenship application) After finalization Homeland Security 1,170 Travel & Accommodations, fee type Acceptance and Travel Service Providers 3,350 to 6,700 SAMPLE Summary of Jamaican Fees and Expenses Total Adoption Fees, paid to New Beginnings $6,350 Social Services (Home Study and Post-PlacementPlacement Fees) 4,100 3,375 to 6,800 SAMPLE Third-Party Fees 3,540 to 5,840 Travel and Overseas Expenses 3,350 to 6,700 Final Estimated Adoption Cost $16,615 to 25,690 Notes Table 1 shows The AFP-IC is the fees and expenses by when they are paidAdoptive Family Profile for an Identified Child, NB's Application. Table 2 shows fees for Social Services. When NB does not provide social services, a local agency will do The Local Agency is the home study and post-placementsagency when NB is not providing Social Services. When using a Local AgencyProvider, NB charges Supervision of Services we require a Post-Placement Commitment showing that all fees (see page 7)have been paid before traveling. These are not charged when NB is providing social servicesSome states charge a processing fee for clearances. Table 3 presents Fees and Expenses by CategoryWe have estimated third-party costs. 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. These are part of our agency fees. There is no right or wrong way; it is just something to know when comparing fees. Third- party expenses are substantially outside of our control. NB can accurately estimate these expenses, with the cost of an attorney to finalize the adoption in the client’s state of residence as the biggest unknown. Let NB know if If you are asked to pay more than what is presented, let NB know. Travel and Accommodation expenses Expenses are broad estimates for air travel, hotel, meals, and local transportation. Flying business, first class, or staying at expensive hotels will cause you to use exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. Many children from Jamaica will, a guardianship certificate will be issued. For these placements, the Adoption must be finalized in your State of residence. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for budgeting total Fees and Expenses for routine express mailing; all others are billed separately. For qualified families, the program. The Adoption Tax Credit can reduce the adoption cost by as much as 16,810 for qualified families$14,300. Kafala Fund Grants are available to families with financial needs and families adopting a waiting child. Table 3, Fees and Expenses by Category US Expenses 16,650 Foreign Provider 2,900 Contribution 2,000 Care of the Child 0 Total Adoption Fees 21,550 Home Study 2,200 to 3,800 Post-Placement Reports 1,900 to 3,000 Total Social Services 4,100 to 6,800 Translation and Document 500 Third-Party 3,580 to 5,880 Travel and Accommodations 5,000 to 9,000 Estimated Total Expense 34,730 to 43,730 DESCRIPTION OF SERVICES New Beginnings' Services and KFPAFP: US Expense (8,2006,350) includes the KFP and AFP-IC, New Beginnings fee, and IAAME fee. Fees are to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations: personnel costs, 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, and pre-and post-adoption support. Program Coordination: US Expense (8,010) NB does not charge for program development; monitoring and overseeing the Morocco process, supervising foreign providers; training foreign providers; monitoring and supporting the family in Morocco before and after placement; helping in arranging the adoption; review the background information and request any needed information; make a non-judicial determination of a child’s best interests and the appropriateness of the adoptive placement for the child; review and verify when needed, the consent to terminate parental rights and adoption, reviews and approves the I-600 before submission. Foreign Country, (3,340) in-country facilitator to assist the family in interactions with the orphanage, establish the itineraries for the adoption hearing, secure the child's legal information for USCIS for the child's travel visa; with the family submits the I-600, arrange or provide in-country travel, and represent and assist in communication with authorities and providers in Morocco. Translation and Document, (500) Documents. Some translations may be needed and paid for translating by the dossierApplicant. CEASIAAME: US Expense, (815500) Pass through to the Center Intercountry Adoption Accreditation and Maintenance Entity, Inc. for Excellence in Adoption Services for Monitoring monitoring and Oversight oversight of adoption service providers. The M&O fee price is 815 500 per child to be adopted. FEES FOR OTHER SERVICES Total Expenses by Type US Expenses 6,350 Translation and Document 0 Foreign Country 0 Contribution 0 Care of the Child 0 Total Adoption Fees 6,350 Home Study 2,100 to 3,500 Post-Placement Reports 1,275 to 3,300 Total Social Services 3,375 to 6,800 Third-Party 3,540 to 5,840 Travel and Accommodations 3,350 to 6,700 Estimated Total Expense $16,615 to 25,770 Home Study Update 450 Examples are a home visit for a change in residency, employment that does not reduce income, positive and neutral changes in finances, and minor changes in physical health or medications. For USCIS, for the one-time free extension or to keep the home study current. Supplemental Home Study Services 900 Examples are a loss of employment, financial insecurity, arrest, an allegation of child abuse, change in medical, emotional, or mental health, pregnancy, marital difficulty, an accusation, or concerns about the prospective adoptive parents' capacity to raise an adoptive child, a failure to disclose critical information such as undisclosed criminal history, a response to an RFE, and when the I-600A has expired, and a new home study is needed. SAMPLE Supervision of Social Services (for families who do not live in our service area) 500/300 The fee for supervising the cooperating agency conducting the Home Study is 500, due at agreement. For supervising another agency's post-placement reports, 300 is due at referral. We require a Post-Placement Commitment letter from your Home Study Agency showing all fees for post-placement services have been paid. Exceeds Routine Services NB reserves the right to charge for required services that Exceed Routine Services, such as: • Preparing or helping to prepare documents to respond 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, or other person involved in the process, est. fee $500 to $1,000. • To secure 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 the Court requests an appearance of a NB's representative, $300/day (as well as mileage or airfare and accommodations if needed). • If the Adoption or placement is in crisis, NB can charge for extra post-adoption or post-placement reports, counseling, respite care, or attorney services to secure consents, Interstate Compact approvals, etc. • Adopting two siblings, fees for IAAME and Contributions will double. Post-placement/post-adoption services fees will increase by 50%. In addition, there can be as much as a 50% increase in NB fees and Program fees. A new fee disclosure will be presented. Items You Should Not Pay New Beginning has disclosed all anticipated expenses and costs for adoption services. Families will be making payments to NB, the home study agency, USCIS, and the US Embassy in the country. Payments to the cooperating agency are disclosed. There are no "unofficial" adoption fees. Do not make or offer to make payments beyond what is disclosed without consulting NB. Unless approved, do not make or offer to make donations before the placement of the child. Do not make or offer to make any payments to anyone to induce the relinquishment of a child. Do not pay additional fees to expedite the process abroad. Payments to any third party in the adoption process should be reasonable and proportional to the country's standards. If you are asked to pay such additional fees at any time, contact NB immediately.

ASSESSMENT OF THE RISK. Our goal at New Beginnings Family and Children Services is to successfully complete an adoption with every Applicant successfullyApplicant. Successful adoptions occur This occurs most of the time; however, there are those rare occasions when this is not the case. Those risks inherent include a lost referral, undiscovered or undiagnosed medical or emotional conditions, suspension or changes to international adoption. The the program selected, or denial following is a list of risks you must be aware of when adopting internationally. These risks are not unique to New Beginningsthe 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 Adoption. If it indicates the child has more significant medical or emotional needs, the referral could be declined if the family has not been approved for or would choose to accept itaccept. A referral may be lost because there is a change in a child's legal status makes status, making them unavailable for Adoption. Although rare, some reasons for this would be an error in the child's legal documents or a biological parent or extended family member 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 grief when they happen. In most situations, there will be another assignment for consideration. SAMPLE • 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 change requirements. If there is a likelihood that a program will close, NB 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 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. When a medical specialist in International Adoption makes a written request, supplemental information is usually available 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 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 approved by NB could be unacceptable by another authority. NB minimizes this risk by 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 but not limited to: an arrest, loss of employment or income, allegation of abuse, 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 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 WITH IN OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. ADOPTION EXPENSES DISCLOSURE Morocco Table 1, Adoption Fees and Expenses, ordered by when it is paid. Submission of AFP Paid to New Beginnings Description Due at Fee Type Amount Application (KFP) Submission of KFP US Expenses, pd. to NB Expenses 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, pd. to NB Expenses 3,500 CEAS Fee 3rd Party, pd. to NB Adoption Service Agreement US Expenses 815 Before Home Study Parent Education Workshops 3rd Party, pd. to online provider 150 to 300 Home Study Approval New Beginnings’ ' Fee, 2nd part Home Study Approval US Expenses, pd. to NB Expenses 1,350 Program FeeCoordination, 1st part Home Study Approval US Expenses and TranslationExp., pd. to NB Translation & Document 3,500 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 New Beginnings’ ' Fee, 3rd part Acceptance of the Referral US Expenses, pd. to NB Expenses 3,000 Program FeeCoordination, 2nd part Acceptance of the Referral US Expenses and Exp., Foreign Country, pdExp. 8,350 Adoption Fee Paid to NB 8,350 Orphanage Orphanage Contribution Contribution, pd. to NB or pd. to orphanage When Kafala is requested Contributions (see La Creche next page) 2,000 Islam Verification 3rd Party, Islamic Affairs Office 120 Paid at Travel Travel and Overseas Expenses Travel & Accommodations 5,000 to 9,000 Medical, and Visa 3rd Party, pd. to US Embassy 625 Paid After Placement Total Adoption Finalization 3rd Party, pd. to Attorney’s Office 700 to 2,500 Table 2, Fees 22,865 Social Services paid when are done by NB does services for families living in our service area of NY, NJ, PA, or FL. Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (NY add 400400 if in NY) 2,200 2,100 Post-Placement, four reports Acceptance of Referral the referral Post-Placement Reports 1,900 1,700 Transportation home visit When Billed Mileage/Travel 62¢/mile, tolls, parking Social Services when NB is not providing the service. Estimated fees paid to Local Adoption agency. agency Home Study When Billed Home Study 1,700 2,100 to 3,300 3,800 Post-Placement Before travel Post-Placement Reports 1,600 1,700 to 2,700 Supervision of Services Adoption Service Agreement Home Study paid to NB, 500 Supervision of Services Adoption Service Agreement Post-Placement Referral paid to NB, 300 Total Social Services, Home Study, and Post-Adoption Fees 3,800 to 7,300 Third-Party, fee type 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 Parent Education Workshops Home Study Process Adoption Learning Partner 150 to 320 Pre-Adoption Medical Review Referral Medical Review of Referral 250 to 600 Child's Visa Fee After kafala Homeland Security 325 Adoption Finalization Post-Adoption Attorney's Office 700 to 2,500 N-600 (citizenship application) After finalization Homeland Security 1,170 Travel & Accommodations, fee type Acceptance and Travel Service Providers 3,750 to 8,700 SAMPLE Summary of Moroccan Fees and Expenses Total Adoption Fees paid to New Beginnings and orphanage $22,865 Social Services (Home Study and Post-PlacementPlacement Fees) 4,100 3,800 to 6,800 SAMPLE 7,300 Third-Party Fees 3,540 to 5,840 Travel and Overseas Expenses 3,750 to 8,700 Final Estimated Adoption Cost $33,955 to 44,725 Notes Table 1 shows The AFP is the fees and expenses by when they are paidKafala Family Profile, NB's Application. Table 2 shows fees for Social Services. When NB does not provide social services, a local agency will do The Local Agency is the home study and post-placementsagency when NB is not providing Social Services. When using a Local AgencyProvider, NB charges Supervision of Services we require a Post-Placement Commitment showing that all fees (see page 7)have been paid before traveling. These are not charged when NB is providing social servicesSome states charge a processing fee for clearances. Table 3 presents Fees and Expenses by CategoryWe have estimated third-party costs. 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. These are part of our agency fees. There is no right or wrong way; it is just something to know when comparing fees. Third- party expenses are substantially outside of our control. NB can accurately estimate these expenses, with the cost of an attorney to finalize the adoption in the client’s state of residence as the biggest unknown. Let NB know if If you are asked to pay more than what is presented, let NB know. Travel and Accommodation expenses Expenses are broad estimates for air travel, hotel, meals, and local transportation. Flying business, first class, or staying at expensive hotels will cause you to use exceed our estimates. Although commonly done, a Medical Review of the Referral is not required. All children from Morocco will need the Adoption finalized in your State of residence. Credit card payments over 500 are subject to a 3% bank servicing fee. No charge for budgeting total Fees and Expenses for routine express mailing; all others are billed separately. For qualified families, the program. The Adoption Tax Credit can reduce the adoption cost by as much as 16,810 for qualified families$14,300. Kafala Fund Grants are available to families with financial needs and families adopting a waiting child. Table 3, Fees and Expenses by Category US Expenses 16,650 Foreign Provider 2,900 Contribution 2,000 Care of the Child 0 Total Adoption Fees 21,550 Home Study 2,200 to 3,800 Post-Placement Reports 1,900 to 3,000 Total Social Services 4,100 to 6,800 Translation and Document 500 Third-Party 3,580 to 5,880 Travel and Accommodations 5,000 to 9,000 Estimated Total Expense 34,730 to 43,730 DESCRIPTION OF SERVICES New Beginnings' Services and KFP: US Expense (8,200) includes the KFP and New Beginnings fee. Fees are to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations: personnel costs, 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, and pre-and post-adoption support. Program Coordination: US Expense (8,010) for program development; monitoring and overseeing the Morocco process, supervising foreign providerstraining, helping identify a child for Adoption; training foreign providers; monitoring and supporting receiving a referral that includes the family in Morocco before and after placement; helping in arranging the adoption; review the background information and request any needed information; make a non-judicial determination of a child’s best interests and the appropriateness of the adoptive placement for the child; review and verify when needed, the consent to terminate parental rights and adoption, reviews and approves the I-600 before submissionChild's Background Study. Foreign Country, (3,340) in-country facilitator to assist the family in interactions with the orphanage, establish the itineraries for the adoption hearing, secure the child's legal information for USCIS for the child's travel visa; with the family submits the I-600, arrange or provide in-country travel, and represent and assist in communication with authorities and providers in Morocco. Translation and Document, (500) for For translating the dossier. CEAS: US Expense, (815) Pass through to the Center for Excellence in Adoption Services for Monitoring and Oversight of adoption service providers. The M&O fee is 815 per for each child to be adopted.

ASSESSMENT OF THE RISK. Our goal at New Beginnings Family and Children Services is to complete an adoption with every Applicant successfully. Successful adoptions occur most of the time; however, there are risks inherent to international adoption. The following is a list of risks you must be aware of when adopting internationally. These risks are not unique to New Beginnings. 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 Adoption. If it indicates the child has more significant medical or emotional needs, the referral could be declined if the family has not been approved for or would choose to accept it. A referral may be lost because a change in a child's legal status makes them unavailable for Adoption. Although rare, some reasons for this would be an error in the child's legal documents or a biological parent or extended family member 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 grief when they happen. In most situations, there will be another assignment for consideration. SAMPLE • 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 change requirements. If there is a likelihood that a program will close, 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. • 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. When a medical specialist in International Adoption makes a written request, supplemental information is usually available 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 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 approved by NB could be unacceptable by another authority. NB minimizes this risk by 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 but not limited to: an arrest, loss of employment or income, allegation of abuse, 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 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. 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 WITH OUR APPLICATION FOR INTERNATIONAL ADOPTION WITH NEW BEGINNINGS KNOWING THESE RISKS. ADOPTION EXPENSES DISCLOSURE Morocco Table 1, Adoption Fees and Expenses, ordered by when it is paid. Submission of AFP Application (KFP) US Expenses, pd. to NB 350 Adoption Service Agreement (home study fees are due at this time; see Table 2.) New Beginnings’ Fee, 1st part US Expenses, pd. to NB 3,500 CEAS Fee 3rd Party, pd. to NB 815 Before Home Study Parent Education Workshops 3rd Party, pd. to online provider 150 to 300 Home Study Approval New Beginnings’ Fee, 2nd part US Expenses, pd. to NB 1,350 Program Fee, 1st part US Expenses and Translation, pd. to NB 3,500 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 New Beginnings’ Fee, 3rd part US Expenses, pd. to NB 3,000 Program Fee, 2nd part US Expenses and Foreign Country, pd. to NB 8,350 Contribution Contribution, pd. to NB or pd. to orphanage 2,000 Islam Verification 3rd Party, Islamic Affairs Office 120 Paid at Travel Travel and Overseas Expenses Travel & Accommodations 5,000 to 9,000 Medical, and Visa 3rd Party, pd. to US Embassy 625 425 Paid After Placement Adoption Finalization 3rd Party, pd. to Attorney’s Office 700 to 2,500 N-600 (citizenship application) 3rd Party, pd. to Homeland Security 1,170 Table 2, Social Services paid when NB does services for families living in our service area of NY, NJ, PA, or FL. Description Due at Fee Type Amount Home Study Adoption Service Agreement Home Study (NY add 400) 2,200 Post-Placement, four reports Acceptance of Referral Post-Placement Reports 1,900 Transportation home visit When Billed Travel 62¢/mile, tolls, parking Social Services when NB is not providing the service. Estimated fees paid to Local Adoption agency. Home Study When Billed Home Study 1,700 2,100 to 3,300 3,800 Post-Placement Before travel Post-Placement Reports 1,600 1,700 to 2,700 Supervision of Services Adoption Service Agreement Home Study paid to NB, 500 Supervision of Services Adoption Service Agreement Referral paid to NB, 300 500 Total Social Services (Home Study and Post-Placement) 4,100 3,800 to 6,800 7,300 SAMPLE Notes 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, a local agency will do the home study and post-placements. When using a Local Agency, NB charges Supervision of Services fees (see page 7). These are not charged when NB is providing social services. 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. These are part of our agency fees. There is no right or wrong way; it is just something to know when comparing fees. Third- party Travel and Accommodation expenses include air travel, hotel, meals, and local transportation. These expenses are substantially substantial and outside of our control. NB can accurately estimate these expenses, with the cost of an attorney to finalize the adoption Many third-party expenses are estimated and presented in the client’s state of residence as the biggest unknowna range. Let NB know if you are asked to pay more than what is presented. Travel and Accommodation expenses are broad estimates to use for budgeting total Fees and Expenses for the program. The Adoption Tax Credit can reduce the adoption cost by as much as 16,810 for qualified families. Kafala Fund Grants are available to families with financial needs and families adopting a waiting child. Table 3, Fees and Expenses by Category US Expenses 16,650 17,150 Foreign Provider 2,900 Contribution 2,000 Care of the Child 0 Total Adoption Fees 21,550 Home Study 2,200 2,100 to 3,800 4,300 Post-Placement Reports 1,900 1,700 to 3,000 Total Social Services 4,100 3,800 to 6,800 7,300 Translation and Document 500 Third-Party 3,580 4,750 to 5,880 7,075 Travel and Accommodations 5,000 to 9,000 Estimated Total Expense 34,730 35,550 to 43,730 45,375 DESCRIPTION OF SERVICES New Beginnings' Services and KFP: US Expense (8,200) includes the KFP and New Beginnings fee. Fees are to establish a service plan and ensure all adoption services are consistent with applicable laws and regulations: personnel costs, 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, and pre-and post-adoption support. Program Coordination: US Expense (8,010) for program development; monitoring and overseeing the Morocco process, supervising foreign providers; training foreign providers; monitoring and supporting the family in Morocco before and after placement; helping in arranging the adoption; review the background information and request any needed information; make a non-judicial determination of a child’s best interests and the appropriateness of the adoptive placement for the child; review and verify when needed, the consent to terminate parental rights and adoption, reviews and approves the I-600 before submission. Foreign Country, (3,340) in-country facilitator to assist the family in interactions with the orphanage, establish the itineraries for the adoption hearing, secure the child's legal information for USCIS for the child's travel visa; with the family submits the I-600, arrange or provide in-country travel, and represent and assist in communication with authorities and providers in Morocco. Translation and Document, (500) for translating the dossier. CEAS: US Expense, (815) to the Center for Excellence in Adoption Services for Monitoring and Oversight of adoption service providers. The M&O fee is 815 per child to be adopted.