For over 50 years, AFC in Canada has relied on the generous partnership of friends like you to help the next generation follow Jesus. Our staff have been seeing that students are “hungry for more of God’s presence and for their fellowship to love God and be passionate for him.”

50 多年來，AFC 一直仰賴像您這樣慷慨的弟兄姊妹支持與合作，幫助下一代跟隨耶穌。我們的事工見證學生對上帝的同在有更熱切的渴求，並盼望他們的團契對上帝充滿熱愛。

Your financial support has enabled us to see tremendous growth over the last several years. From our campus fellowships, Teens Conference, and even our staff team – your investments are producing good fruit. Thank you!

過去多年，有賴您的支持讓我們成長了一大步。從我們的校園團契、Teen Conference，甚至我們的事工團隊 - 因着您的捐獻我們正在結出豐碩的果實。謝謝您們！

As the year comes to a close, you may be asking:
年末將至，您或許會問：

Donating securities or mutual fund shares helps you do that while avoiding paying capital gains taxes. We’ve now partnered with CanadaHelps to make it easier to donate securities and mutual funds. Let us walk through how this type of donation works.

捐獻證券或互惠基金可幫助你實現此目標，同時可避免支付資本增益稅。我們正與CanadaHelps 合作，盼能讓您在捐獻證券或互惠基金時變得更容易。讓我們來看看如何進行此類捐獻。

Say you purchase common shares in XYZ Company for $1000 and a few years later those shares are worth $5000. You would have a capital gain of $4000.

假設您以 $1000 購買 XYZ 公司的普通股，幾年後這些股票的價值為 $5000。您將獲得 $4000的資本收益。

The charts below compare two scenarios: selling the shares and then donating the after-tax proceeds versus donating the shares to AFC in Canada directly through our partners at CanadaHelps.

下面的圖表比較了兩種情況：出售證券/股票然後捐出稅後收益 相對 直接透過我們的合作夥伴 CanadaHelps 將證券/股票捐給AFC。

As you can see, by donating shares directly, you receive a larger tax credit and you’re able to give more to helping students encounter Jesus.

從這裡可以看出, 透過直接捐獻證券/股票，您可以獲得較大的稅務抵免，並能捐獻更多來幫助學生經歷上帝。

If you want to direct your gift to one of our incredible staff or a particular project, please email us at info@afcanada.org to indicate your designation.  

如欲將您的心意捐贈給我們其中一個同工或特定項目，請發送電子郵件至 info@afcanada.org，並註明您捐獻意向。

We are so thankful for you. Your generous partnership and support is leaving ripples of faithfulness into eternity.

我們因你而感恩。您慷慨的支持與合作正延續信心的漣漪，直到永永遠遠。

Your partnership is transforming the lives of young people like Hannah, who shared that through her involvement with AFC, she’s “had the reaffirmation of how amazing and loving and merciful God is. I used to always doubt my faith and wonder if God was even real. Now, I truly feel his presence and I have no doubt his love is real and unites us all.”

因著有您的參與，正在改變像 Hannah 這種年輕人的生命。她曾分享透過參與 AFC，她「再次肯定上帝是多麼的奇妙、且滿有慈愛和憐憫。曾經，我總是對自己的信仰充滿懷疑，不知道上帝是否真正存在。現在，我確切地感受到祂的同在，毫不懷疑祂的愛是真實的。因著上帝，祂將我們連結在一起。」

Thank you so much for your continued support and friendship in the gospel. As Christmas nears, you can give the greatest gift of all – the Gift of the Gospel!

非常感謝您一直以來對福音工作的支持及參與。聖誕節將近，您可以送出最棒的禮物 - 福音的禮物！

Please note: 請注意

The above are general figures for the purpose of illustration. They do not constitute legal or financial advice. We strongly encourage you to seek professional legal and/or financial advice before deciding upon your donation. It typically takes 3–5 business days to sell and settle a trade from the date that CanadaHelps the securities or mutual fund from your broker or financial institution. Processing times are longer and can vary by security type if your security is not liquid (i.e. paper certificates) and they are not traded on a daily market. In such cases, CanadaHelps will contact you to share expected timelines

以上數據僅作展示作用和說明用途，上述資料並不構成法律或財務建議。我們強烈建議您在捐贈前，諮詢並尋求相關專業人士的法律和/或財務建議。從 CanadaHelps 收到您的股票代理人或金融機構的證券/互惠基金之日起，一般需要 3-5 個工作天來出售並完成交易。如果您的證券不是流動資產（例如紙質證券），而並非日常市場上交易，處理時間或會更長，情況會因證券類型不同而有所差異。在此類情況下，CanadaHelps 將與您聯繫，並告知預期處理程序的時間。

Additionally: 此外

1. This assumes a 46% marginal tax rate. For calculating capital gains tax, this rate is applied to 50% of the capital gains up to $250,000.
2. $4,080.00 represents the full value of $5,000.00 minus estimated tax of $920.00.
3. 3% fee applies to donations less than $10,000; 2.5% fee applies to donations between $10,000-$49,999; 2.25% fee applies to donations between $50,000-$99,999; 2% fee applies to donations $100,000+

1. 此假設基於 46% 的邊際稅率。對於資本增值稅的計算，此稅率適用於高達 $ 250,000的 50% 資本增值部分。

2. $4,080 代表$5,000的全額總值減去估算的稅收$920

3. 捐款金額少於$10,000將會收取3%費用，2.5% 的費用適用於 $10,000-$49,999 的捐款；2.25% 的費用適用於 $50,000-$99,999 的捐款；2% 的費用適用於 $100,000 或以上的捐款