7FUSOSU7(N@-	I(V7
 N@U[1_],?Bn<XA\NK_@6l_/3TVO<.\@VQEF@R]3CMAY[	
j	PXIAZ _V3 P[V@]@NLE@@GGZCDDF	&]QV@S_EQI__V_NMHPWSI@QPUJW]QNCCG\RV]DMSSO[NKSEY2XWXIIT2KAYQH]_NP2
@I@EYHX	[YWVLZC\]@S=
 QNYUKAR 	AYMY_N@[OVSIKC[Q	BNVFJ[SSUNER\_ZJC_IXVRUAR]3COAY[	
j	PXIAZ _V3 P[V@]@NLE@@GERCDDF	&]QV@S_EQI__V_NMHWQSI@QPUJW]VHCCG\RV]CKSSO[NKSEY2XUXIIT2KAYQH]_NP2
@I@EYHX	[YW[JZC\]@S=
 QNYUKAR 	AYM[_N@[OVSNEC[Q	BNVFMUSSUNER\XTJC_IXVRUAR]3CIAY[	
j	PXIAZ _V3 P[V@]@NLE@@@K^CDDF	&]QV@S_EQI__V_NMHR[SI@QPUJW]SBCCG\RV]FASSO[NKSEY2XSXIIT2KAYQH]_NP2
@I@EYHX	[YPZ@YC\]@S=
 QNYUKAR 	AYM]_N@[OVSHAC[Q	BNVFKQSSUNER\^PJC_IXVRUAR]3CKAY[	
j	PXIAZ _V3 P[V@]@NLE@@GBXCDDF	&]QV@S_EQI__V_NMHQUSI@QPUJW]PLCCG\RV]EOSSO[NKSEY2XQXIIT2KAYQH]_NP2
@I@EYHX	[YWQNYC\]@S=
 QNYUKAR 	AYM__N@[OVSICC[Q	BNVFJSSSUNER\_RJC_IXVRUAR^3EIPAYN
A8HQI[Q3	PAC\_NPJWZSNAE[_V3 R[VF]@NLY @@ACXQ	CNVGUA^SX^E BQQ DA[TJARUCQO[],XI@TNE
,HZF@_A]@U,ER^]SVQFJ^NTGZ\GUA	.EYOVSKB_I]XWDT@U_QV@W^WDOYIE]TJ]\NR[VBYAR^E	NXK_I ,@QF@R	
 <	C@TVYANE, ^RV_FHOASX[V^]\NXT 7]NMHRRO[ LSQANQNYQN]@@NKNI]DV^KJBIBA\TJARUCRO[^,]DVLJ
4E
VXW@@N 3]]XANIGPPJY@\@U,ERX]SVQGJ^KXD@NJNI\]@T^@@C_IGKOJ]\NOSSO[NKPEZ2]WOQI/QAYI@Q	V7@QQ_VNVDA[QVI\_NP2
BIFEYHX	[YRVL@QPTJW\NXDFJ^JARRAC]B\IR^E	NXH_I,E]RXWN	 &
PLWDO	nIOJ\@U	NI_HPZ WXANE, \RVYFHOA SX_ QDOXIDDF	E[YSO[ _]Y\^RJC_IXVRVAR^3FLTAYN
A8HQI[Q3	PAC\_NPJW_[LEE[_V3 R[VF]@NLY @@BF\Q	CNVGUA^SX^E BQQ BGZTJARUCQO[^,TH@TNE
,HZF@]\N	 &
QLWDOIBG_UC]@@N 3_]]\]NXTVR\CARPAC\_N@ZOVRVQ
]YF@^IUYGUA
[VA]@\j_POVXT 7^NMIOA
=L^NXJ_Q^F@\CX^FISOA
	1A]@@FBZQRVTOUA_SX^E AQQ_V]NMJZRSI@Q@TDO^=KFAIV3 Q[VC@SS3XIDDF
	UCPTVO_C\]@S=
 QN]UKAR 	AYHYA@SY^NXJ_QPVXW@@NHNI]AU\WDOXIAQF7UO^RVU,ER]@@R+
CNVGUA	NKQY_\]\NXT 7]NMLRRO[ LV]^@@T@VRTVO QAYI@QPVJW]RBGC[QF@_@NE&[VACQ	V7AQQ_V3 P[VC@SBOVSHFA\CXJ(HNIY@SB	XIK^Q	CNVGUA^SX^E BQQEA]TVONMKOAK3KXSX	,AFJ^JAR	
 <	B@TKJQQ AFZ]J]\N	 &
SLRY\@@]QNPPVO PAYI@QPUJW\NXDEJ^IXG\\[[
AC^@SP1PJW@R+
BNVGUA	.E[OVRVQFJ^K^A^_GIOA
=L\NXOBBGOJT[[[	@NKRB	HQI[Q	ANVDAQVSUNSX\HKJ_3ZLQI/QAYI@Q	V7@QQ_VNVFK[QVI\_NP2
BIFEYHX	[Y[UUNER]@@TAVRTVO RAYJ[G\ANL\JW^VQA4	BVRX
	<		ANKRB	,AGJ^JAR AYH]@_GR^E
,HYF@XA]@UNIT@NLC	QXICG_RV\[[	BNKQ]RXANQIYL_VZ;B]RVU,ER]@@R+
CNVGUA	NKS_TP]\NXT 7]NMLRRO[ L_XANQNXHX KAYSUNER^^QJC_IXVRVAR^3OJAY[	
j	PXICG/PAYI@QGER\][IAC[Q3	RACYB]]@PNXB@_IGIOJ\@U^QVANLC	SXI@_	FDDF	RV^
UAQ<A^QV
@S=
QNXHX
	<		@NKRB	XIBZ@@XTVO

< ]SX[VDO IKFDF	D[YSO[ \]XAN QN[PJ]@@NAYQ@Q].P]ERNE, _RV^FHOA
=L^NXIBBGOJ[UDOTSSUN
A8KQIZ BXJ NMKPUO[ ]]Z_ZWJC_IGHOJ^^ALSSO[ _]Z_ZWJC_IXVRUAR]3EJTAYN
A8HQIY BXJ(JNI_@SB	XIDRACXTVO

< ]SX_VDO IAG_HX JAYQKTB\ANLC	PXIAY	BDXHX HAYQKTB\ANL\JW]VQB4@@J^O

< ^SX\VDO	nIOJ_]FUA	NKUVS]]\NXT 7]NMHRRO[ LU[Y@@T@VRVH^C\\[[	ANKP\TX]@@TBVRVH^C\\[[
AC]@SS1T]OVXT 7^NMKRRO[	
j	QXI@Z _VNV@A[SUI\_NP2
BIBEYHX	[YQPL@QPTJW^PNJC[Q	BNVEKWZSI@QPVJW^PNJC[QF@\@NF&QPQ[VNP2
AIAEYHX
	<		@NKQ_KJQQDEZPJ]\N	 &
SLVY\@@]QNZWHARPAC^A\@R^E AQQADYTJARRAC^A\@R^E	NXK_I ,F[WXWN	 &
PLUY\@@R+
CNVDHROA		@TP^UYRJ_QW%		F[YRRH@Q YER__QVQ
][F@_B][GIOA 	C@TUYZ\RVQ
]YF@_B][GIOA
NI]NL8Z^\@@QW%		E[YQRH@Q	V7@QQBEDF
	UCTUSI_C\]@S=
 QNYUKAR 	AYK_C@SY^NXHBERCXJ	^UCQRU@\C@SY\NXHBERCXJOJ][[R<QJ]QV
@S=
QNZUKAR	
 <	B@TVYANIC^QL^@\@U,ER\]SVQGJ^H^A@NJNI^@Z[WDOYIFY\O]@@NHNI^@Z[WDOXIBQF7VJURVU,ER]@@R+
CNVGUA	NKTZR\]\NXT 7]NMLRRO[ LUXU@@T@VRTVO QAYI@QPVJW]ZHKC[QF@_@ND&RZQ[VNP2
AICXJ(JNI\]@ZNXOFJYCDDF	&]QVES_EQIZAXJ	_UCSOAPLWDOZIE]]L]@@NAYP@Q].P]ERNE, _RV^FHOA
=L^NXIBBGOJT\CA[SSUN
A8KQIZ BXJ NMKP[O[ ]]Z_UUJC_IGHOJ^^NNSSO[ _]Z_UUJC_IXVRUAR]3EJZAYN
A8HQIY BXJ(JNI_@SB	XIKZGLXTVO

< ]SX_VDO IAGQHX JAYQJ]@\ANLC	PXIAX @DXHX HAYQJ]@\ANL\JW]VQB4BVRX
	<		ANKP_KJ
4E
WXWC]][[QVCU[WXANE, \RV]FHOA SX]KJ@IKB]TVO QAYAZF\]@T]@@KE^_V XWA@UH<PS[VNP2
AIAEYHX
	<		@NKQ_KJQQEFPTJAR	
 <	@@TVYANIGXHX JAY[J\C@SY_NXB@C[Q	ANVOJSSO[NKSEY2_QXIIT2KAYQH]_NP2
@I@EYHX	[YQZ@ZC\]@S=
 QNYUKAR 	AYJ__N@[OV[IFCG_RVUDLSOASL^[X\NXIB	DFK2C^NMA	.EZOVPKB_IT2JAYPH]_NPJW^ZMGC[Q3	RAC]B]]@PNXIA_IGIOJU\GIOA 	C@TWX]@@TBVR]J]@@NAYR@Q].Q[]O	nHOJ^]FUA	.E[OVQKB_IAXWC^XEISOA
	1A]@@BBZQRV_BUA_SX_W]]@@TAVRUJ]E\@U]QV@R^ WDOXIBQE7WNOJN 3\]Z\]NXT 7_NMJRRO[LTY\URJ_QW%		F[YRRH@Q YER^XNXDGJ^CZ@\@U^QVHU^KJBIJCXTVONMHOAH3@[SX	,AFJ^H\A@N 3]][\]NXTVRWNUG\\[[3PVJW]SK_QTF@^G@NJNI]AU[KJAIBD_QJARRAC]C[DRBOVS_QZn@BJ^O

< ^SX\VDO	nIOJ_]FUA	NKQ]SX]@@R+
ANVFHROA		@TQDOXIEXPJ]\NQ[VB\ER^E BQQ C@XTVONMHOAH3@USX	,AFJ^H\A@N 3]][\]NXTVRWM^B\\[[3PVJW]SK_QTF@^I@NJNI]@V[KJAIBE\QJARRAC]BXDRBOVS_QZn@LJ^O

< ^SX\VDO	nIOJ_]FUA	NKQXWX]@@R+
ANVFHROA		@T_DOXIEYUJ]\NQ[VB]@R^E BQQ BEXTVONMHOAJ3A^B@TNE
,HZF@]\N	 &
QLWDOIDFXSB]@@N 3_]\\]NXTVRVH^\NP[VC@SY_NXJ_QPUXWB\Y@ISOAQVBBT7_^PXIIT2KAYSUN
A8IQI[QRV[FLRTSI@Q	V7BQQBEDF	 UCQQQUNER]@@TAVRTVO RAYK\G]ARBOVQ_QXnBM_F@R	
 <	C@TKJ
4E
WXW@@N[VFTBUYWDO	nKOJX]FUA	NKSWKJ@ICXJ	^UCSOASLV^[ZRJ_QUQN[VOC3^EIAY[	
j	PXICG/PAYI@QGERZ\QCEC[Q3	RACXB]]@PNXHACG^RV\[[	ANKRB	KQIYCMXTVONMJOAJ3A^F@TNE
,HZF@]\N	 &
QLWDOID@[VK]@@N 3_]\\]NXTVRVHZ\NP[VC@SY_NXJ_QPUXWB]^FISOAQVBBT7_^TXIIT2KAYSUN
A8IQI[QRV[DNUSSI@Q	V7BQQBEDF	 UCQQUUNER]@@TAVRTVO RAYK]CYARBOVQ_QXnAF]F@R	
 <	C@TKJ
4E
WXW@@N[VD_@[WWDO	nKOJX]FUA	NKP\ KJ@ICXJ	^UCSOASLUXUURJ_QUQN[VOC3^EMAY[	
j	PXICG/PAYI@QGERZ^TIJC[Q3	RACXB]]@PNXHAGG^RV\[[	ANKRB	KQIYDGXTVONMJOAJ3BUH@TNE
,HZF@]\N	 &
QLWDOIFM[QB]@@N 3_]\\]NXTVRUCT\NP[VC@SY_NXJ_QPUXWAZUCISOAQVBBT7_^[XIIT2KAYSUN
A8IQI[QRV[BMWQSI@Q	V7BQQBEDF	 UCQQZUNER]@@TAVRTVO RAYK]F_ARBOVQ_QXnAFPF@R	
 <	C@TKJ
4E
WXW@@N[VDXIZ_WDO	nKOJX]FUA	NKP\KJ@ICXJ	^UCSOASLUY^[RJ_QUQN[VOC3]NAAY[	
j	PXICG/PAYI@QGERXTZLKC[Q3	RACXB]]@PNXKJKG^RV\[[	ANKRB	KQIZKDXTVONMJOAJ3BUG@TNE
,HZF@]\N	 &
QLWDOIFCP\M]@@N 3_]\\]NXTVRUC[\NP[VC@SY_NXJ_QPUXWAZYEISOAQVBBV7\Y[XIIT2KAYQH]_NP2
@I@EYHX	[YWSL\D\ANLP%
TBVRUK\\N AC]FU]@T_@@BB^CDDF	E[YRRLZC\]@T]@@BB^CDDF	RV]
UAR<HYKNKLP%
TAVRVK\\N	 &
QLTY\@@
CQN\TJUF\\[[3PVJW]SK_QTF@\ET@U_QV@SZWXANQNYUNY@\@U]QV@SZWXANQIZL_V[;BXRVU,ER]@@R+
CNVGUA	NKS\ U_]\NXT 7]NMMRRO[ L_]ANQNXHX KAYSUNER^ZWOC_IXVRWAR]3FLPAYN
A8HQIY BXJ(JNI_@SB	XI@\K@XTVO

< ]SX_VDO IBA[HX JAYRITG\ANLC	PXIB[	GDXHX HAYRITG\ANL\JW]VQB4 FFJ^O

< ^SX\VDO	nIOJ_]FUA	NKQY Q[]\NXT 7]NMHRRO[ LV]_@@T@VRUJZB\\[[	ANKS^UX]@@TBVRUJZB\\[[
AC]@SS1RYOVXT 7^NMKRRO[	
j	QXI@Z _VNVDNRWPI\_NP2
BIBEYHX	[YRVH@QPTJW]RLCC[Q	BNVFIUSSI@QPVJW]RLCC[QF@\@NF&RVS[VNP2
AIAEYHX
	<		@NKQ_KJQQECZVJ]\N	 &
SLVY\@@]QNYQJARPAC]CXIR^E AQQ C@PTJARRAC]CXIR^E	NXK_I ,E]SXWN	 &
PLUY\@@R+
CNVDHROA		@T^^[ZRJ_QW%		F[YRRH@Q YER\YUVQ
][F@\A_^GIOA 	C@TV[_\RVQ
]YF@\A_^GIOA
NI]NL8YXZ@@QW%		E[YQRH@Q	V7@QQBEDF
	UCPZQMYC\]@S=
 QNYUKAR 	AYHYE@SY^NXKBA[CXJ	^UCRRQI\C@SY\NXKBA[CXJOJ][[R<RLYQV
@S=
QNZUKAR	
 <	B@TVYANIGP\HX@\@U,ER\]SVQGJ^KXE@NJNI]@RVWDOYIEYTB]@@NHNI]@RVWDOXIBQE7UOYRVU,ER_]SVQW; 	_UCPRRUN][UXRNCCG/RAYH]B@SCOVSOG_IGIOJ]\NOSSO[ \]Y]UTJC_IGKOJ]\NOSSO[NKSE[2^[BQI/QAYI@Q	V7@QQ_VNVFH[QQO\C@SS3ZI@YUVO	AYQ@T_N@[OVRVQ
]ZF@]\NR[V@_FV^KJ@@@G@+Z]COJN 3\]XANE, ^RV\[[QV@SV^Z]\NXT 7]NMMRRO[ LUQT@@T@VRTVO QAYI@QPVJW_QC@C[QF@^@ND&QZU[VNP2
AICXJ(JNI\]@ZNXKBESFDXHX
	<		BNKV_KJ	QQJBDF	D[YSO[ \]XAN QN[WI[@\@UAYJ_NC=_ WJW@R+
BNVGUA	.E[OVRVQFJ^I[G^^GIOA
=L\NXOBBGOJ]YGUA_SX^E AQQ_V]NMHSW[I\_NLUANQ%AJ_IJ(KNI\]@S=
QNXHX	[YRRLYE_ARB	,AEJ^N\A@N[VAUENLC	QXICG_RV\[[	BNKQ\_X]@@QQXJW%_IYNMA	.EZOVRVQW; 	_UCSOA		@TV^_^[JC_IT2HAYWH]_NPJW^[O_QPWXW@@NKNI\]@T]@@@@ZCDDF	RV_
UAP<KUANKLP%
TAVRTVO

< _SX^EQIZ GF[VJ]\N	 &
SLSY\@@]QNZ]HARPAC\_N@ZOVRVQ
]YF@^BZ\GIOA
NI_NL8ZT_@@QW%		E[YSO[	
j	QXICGOJ]]CAZTSI@Q	V7BQQBEDF	 UCQZPUNER]@@TAVRTVO RAYJ^DUARBOVQ_QXnBMYF@R	
 <	C@TKJ
4E
WXW@@N[VFYEQZWDO	nKOJX]FUA	NKSWKJ@ICXJ	^UCSOASLV]U^RJ_QUQN[VOB3]BHAY[	
j	PXICG/PAYI@QGER^[SN@C[Q3	RACYB]]@PNXKFBG^RV\[[	ANKRB	KQIZEDXTVONMKOAK3AYH@TNE
,HZF@]\N	 &
QLWDOIJFQRH]@@N 3_]]\]NXTVRVOT\NP[VC@SY_NXJ_QPUXWBZYDISOAQVCBT7Y[@@QW%		E[YSO[	
j	QXICGOJXTDOSSO[	
j	SXIGZ _VNVCNOA 	B@TKJAICXJ	]UCRWUI\_NLTANP%AFSIJ(KNI\]@S=
QNXHX	[YZQJZE\ANLP%
TBVRQK\\N AC^FT]@T_@@C_IGHOJ\@U]QVCT]WXANQIYL_VZ;HXGNV[3PUJW\NXT 7_NMIOASXWP_\\RVQW; 	]UCVRRUN	]ZX[NXDGJ^JARQAC\_N@YOVPLBJ[_V XWB@UJ<TZ[VNP2
AICXJ(JNI\]@ZNXKCKZCDDF	&]QVES_EQI\_V_NMIOA 	C@TKJBI@E^QJARUCPO[_,[I@TNE
,HZF@]\N	 &
QLWDOIBD]\I]@@N 3_]\\]NXTVRSBARPAC\_N@ZOVRVQ
]YF@^A\\GUA
[V@]@\jU][NXQW; 	^UCSOA
	1A_@@C_IAXWI]]@LSSO[	
j	SXIFZ _VNVELUOAQLWDOYIDDF	F[YQUI^C\]@QER_NX@,\QNF	&^QVANLP%
T@VRTVO AYZMXG\ANLP%
TBVRPK\\N AC[@@SY^NXJ_QPVXW@@NHNI^FU[KJ@@@G@+_VXWN	 &
PLWDO	nIOJ\@U	NIUCSXWDO	nKOJX]FUA	NKU\E @QQ_V^NMIOA 	@@TPY]\NXI@	DFI2G]NMA	.EZOVRVQW; 	_UCSOA		@T^PU\RVQW; 	]UCWRRUN	]_\@@T@VRTVO QAYI@QPVJW^TNFCGJ^I\N_(NSAYN
A8HQI[Q3	PAC\_NPJWTULCC[Q3	RACXB]]@PNXMC_IGIOJ\@U^QVANLC	SXIA^	CDDF	RV_
UAP<N[QV
@S=
QNXHX
	<		@NKRB	XIB[FAXTVO

< ]SXZVDO IDCDF	D[YSO[ \]XAN QN[TIX@@NAYP@Q^.P[ ERNE, _RV\[[3PTJW\NXTVR]JXGU\GUA	.EYOVWKB_I]XWBYY[[	@NKRB	HQI[Q	ANVEL[VSI@Q@TDO_=MFQQJQ3	QAC\_NP2
@ICXJNM@[ZZI\_NP2
BIGEYHX	[YTVUNER]@@TAVRTVO RAYKUCYANL\JW_VQ@4GVRX
	<		ANKRB	,AGJ^JAR AY@ZD^ARB	,AEJ^N\A@N[VDX]@T_@@C_IGHOJ\@U]QVCZZWDOXI@QF7VOYRVU,ER]@@R+
CNVGUA	NKZW_\]\NXT 7]NMLRRO[ LU]Y@@T@VRTVO QAYI@QPVJW^WLKC[QF@_@NE&RV[[VNP2
AICXJ(JNI\]@ZNXNCCSCDDF	&]QVDS_EQIZKXJ	_UCSOAPLWDOZIEYPN]@@NAYQ@Q_.V_]O	nHOJ\@U,ER]@@
CQN[]CX@\@U,ERY]SVQGJ^N\\NP[VC@SY_NXJ_QPUXWA^^GIOA
NI_NL8YXU@@QW%		E[YSO[	
j	QXICGOJX\BITSSUN
A8KQI^ BXJ NMHVZO[ ]]XANQNXHX HAYRHYE\ANL\JW^VQA4FEJ^O

< ^SX^E
,H[F@]\NACTK]HU^KJ
4E
UXWE]][[ QVCW_E @QQ_V^NMIOA 	@@TRYZ\RVQIFHX^/]UD[YA
	1A^@@C_IT2JAYSUN]][XSOCCG/RAYM]B@SCOVSC@_IGIOJ\@U^QVANLC	SXIB] CDXHXNVDOAQ&^F\SX	,AFJ^JAR	
 <	B@TKJQQ	DBXUJ]\N	 &
SLRY\@@]QNZQJARPAC\_N@ZOVRVQ
]YF@_E\\GIOA
NI^NL8Y_Z@@QW%		E[YSO[	
j	QXICGOJ^[FKRSSUN
A8KQI_ BXJ NMHQUO[ ]]XANQNXHX HAYTNXC\]@QER^NX@,YCVRX
	<		ANKRB	,AGJ^JAR AYH]AUAR^KJ
4E
UXWD]][[ QVC[^E @QQ_V^NMIOA 	@@TUZ_\RVQIGHX_/]]O[YA
	1A^@@C_IT2JAYSUN]ZY]RBCCG/RAYL]B@SCOVSKK_IGIOJ\@U^QVANLC	SXIES	CDDF	RV^
UAQ<H]JNKLP%
TAVRTVO

< _SX^EQIYGAPTJAR	
 <	@@T VYANIEY]VO PAYI@QPUJW\NXDEJ^LTH\\[[
AC^@SP1VXOVXT 7^NMIOA
=L^NXJ_Q^F@_A_\BISOA
	1A]@@FBZQRV]FIOA 	B@TKJAICXJ	]UCUS[I\_NLUANP%BBZIJ(KNI\]@S=
QNXHX	[YQROYF\ANLP%
TBVRQK\\N AC]B]]@T_@@C_IGHOJ\@U]QVGSVWDOXIAQF7UK_RVU,ER]@@R+
CNVGUA	NKP\W^]\NXT 7]NMLRRO[ LVY_@@T@VRTVO QAYI@QPVJWZPBCCGJ^H\N^(HRPACQ	V7AQQ_V3 P[VC@SBOVPH@F]CXJ(HNIY@SB	XIBZ_V_NMIOA 	C@TKJBIEGPTJARUCQO[^,]@VLJ
4E
VXW@@N 3]]XANIFZSJ[@\@U,ERX]SVQGJ^K\D@NJNI\]@T^@@C_IGKOJZXOISOAQVCBU7\]WXIIT2KAYSUN
A8IQI[QRV^DIVTSI@Q	V7BQQBEDF	 UCRRVUNER]@@TAVRTVO RAYOYK\ANL\JW^VQA4 BBJ^O

< ^SX^E
,H[F@]\NAC^@XAU^KJ
4E
UXWE]][[ QV@SXE @QQ_V^NMIOA 	@@TQP]\NXIA	DFH2A][UCA
=L_NXJ_QW%		D[YSO[LU[ZYZJC_IT2HAYVH]_NPJW]SM_QPWXW@@NKNI\]@T]@@EDSCXJOJ^[[P<RKXQV
@S=
QNXHX
	<		@NKRB	XIA]FEXTVO

< ]SXZVDO IBF\HX JAYSUNER]@@TBVRSO_@\@UAYJ_NB=_RJW@R+
BNVGUA	.E[OVRVQFJ^H[G_ZGIOA
=L\NXNBBGOJ]^BUA_SX^E AQQ_V]NMNUPSI@Q@TDO]=HDKIV3 Q[VA]@NLP%
T@VRWK\\NAC]CXHVXWDO	nKOJ]]FUA	NKPYKJ@IAMQQJ]\NQ[VAUHW^KJBIAMQQJ]\N[YRUNB3CUW]O	nHOJ^]FUA	.E[OVQKB_IAXWA\YBNTSSUN
A8KQIZ BXJ NMKTZO[ ]][]]QJC_IGHOJ_\FJSSO[ _][]]QJC_IXVRUAR_3FKSAYN
A8HQI[Q3	PAC\_NPJW^VBCJ[_V3 R[VG]@NLY @@BA[Q	CNVGUA^SX^E BQQCLXTVONMJOAJ3B^@@TNE
,HZF@]\N	 &
QLWDOIAAY]N]@@N 3_]\\]NXTVRUH\\NP[VC@SY_NXJ_QPUXWG]UGIOA
NI_NL8Y_^@@QW%		E[YSO[	
j	QXICGOJ^YBASSSUN
A8KQI_ BXJ NMHQQO[ ]]XANQNXHX HAYTJ\C\]@QER^NX@,Z@VRX
	<		ANKRB	,AGJ^JAR AYKYJZDR^E
,HYF@YA]@UNI]CQB	IQI[Q	BNVGUA]SXYVX]@@QQXJU%_G^NMA	.EZOVPKB_IT2JAYPH]_NPJW]RKBEYCXJ(HNI]@SB	XIA\_V_NMK[[TI\_N@ZOVPBKD[_V]NMK[[TI\_NLVANS%ADXIJ(KNI^@SB	,AGJ^I\A@N[VB\@UWWXANE, \RV]FHOA SX\TDOXIFQTO]@@NKNI^HR[WDOZIFQTO]@@NAYR@Q].PYERNE, _RV^FHOA
=L^NXIBBGOJUUNISSSUN
A8KQIZ BXJ NMKTSO[ ]]ZUYSJC_IGHOJ^TBHSSO[ _]ZUYSJC_IXVRUAR]3ENRAYN
A8HQIY BXJ(JNI_@SB	XIB[FGYTJAR	
 <	@@TVYANIF_UVO PAYKTEUARB	HQIY	EMXTVO RAYKTEUARBOVS_QZnAC^F@R	
 <	C@TVYANE, ^RV_FHOASX_T^UYRJ_QW%		F[YRRH@Q YER_[TVQ
][F@_IYUGIOA 	C@T^]T\RVQ
]YF@_IYUGIOA
NI]NL8ZZ[@@QW%		E[YQRH@Q	V7@QQBEDF
	UCRSWJ]F\ANLP%
TBVRUK\\N AC^D[]@T_@@AJ\CDDF	E[YQZN[C\]@T]@@AJ\CDDF	RV]
UAR<K[GNKLP%
TAVRVK\\N	 &
QLTY\@@
CQNYTHYB_\GUA	.EYOVSKB_I]XWB[X[[	@NKPWTX]@@TAVRVC_C\\[[	BNKPWTX]@@QQ XJU%_GYNMA	.EZOVPKB_IT2JAYPH]_NPJW]RICF_CXJ(HNI]@SB	XIA\_V_NMKZWRI\_N@ZOVPCGB[_V]NMKZWRI\_NLVANP%BGRIJ(KNI\]@S=
QNXHX	[YPUJ\A\ANLP%
TBVRQK\\N AC]GU]@T_@@C_IGHOJ\@U]QV@R]WXANQIYL_VZ;OURVU,ER]@@R+
CNVGUA	NKT[_X]@@R+
ANVBHROA		@T _DOXIDDF	E[YSO[ _]YTXRJ_QUQNZVOB3YN[YA
	1A^@@C_IT2JAYSUN]^[[TJC_IT2HAYVH]_NPJWY[VQ
][F@]\NQ[VC@SY\NXKJK^_V XWB@UK<VU[VNP2
AICXJ(JNI\]@ZNXLACXCXJ(HNIY@SB	XIF]Q	CNVGUA^SX^E BQQ KAXTVONMKOAK3F[SX	,AFJ^JAR	
 <	B@TKJQQ@BXTJAR	
 <	@@T VYANIA_HX JAYSUNER]@@TBVRUBTE\@UAYK_NC=[ERNE, _RV\[[3PTJW\NXTVRQBUG\\[[3PVJWYSK_QTF@XD@NJNI\]@T^@@C_IGKOJ][AISOAQVCBU7XY@@QW%		E[YSO[	
j	QXICGOJZ\CLSSO[	
j	SXIFZ _VNVBLOA 	B@TKJAICXJ	]UCR[SL\_NLUANP%FAIV3 Q[VC@SS3XIDDF
	UCVVTK\C@SS3ZIAYUVO	AYVK@QPTJW\NXDFJ^JARRAC]E[ARBOVP_QYnFGJ^O

< ^SX^E
,H[F@]\NACYD_AR^E
,HYF@XA]@UNIYBNLC	QXICG_RV\[[	BNKSYRXANQIYL_VZ;O]RVU,ER]@@R+
CNVGUA	NKW\ QX]@@R+
ANVBHROA		@T WDOXIDDF	E[YSO[ _]YXTRJ_QUQNZVOB3YF[YA
	1A^@@C_IT2JAYSUN]]Y]VJC_IT2HAYVH]_NPJWYSVQ
][F@]\NQ[VC@SY\NXKEA^_V XWB@UJ<QSONISS3YIDDF	&_QVANLE@@E@[@DXHX
	<		BNKV_KJ	QQCBDF	D[YSO[ \]XAN QNYSCU@\@UAYJ_NB=]WJW@R+
BNVGUA	.E[OVRVQFJ^K\IYYOISOA
	1A]@@GBZQRV_GIOA 	B@TKJAICXJ	]UCPWRK\C@S
][@@H,B_	QNF	&^QVANLP%
T@VRTVO AYPLTK]ARB	,AEJ^O\A@N[VBXINLC	QXICG_RV\[[	BNKS^SX]@@QQXJV%_@XNMA	.EZOVRVQW; 	_UCSOA		@TVQX]RJ_QW%		F[YVRH@Q YER_\VVQ
][F@]\NQ[VC@SY\NXKDESCXJOJ^[[Q<QIYQV
@S=
QNXHX
	<		@NKRB	XIEYDCXTVO

< ]SX[VDO IAD]HX JAYSUNER]@@TBVRUMUC\\[[
AC^@SP1W^OVXT 7^NMIOA
=L^NXJ_Q^F@[C\\DISOA
	1A]@@FBZQRV^GOOA 	B@TKJAICXJ	]UCRTZA\C@S
]Z@@H,A[QNF	&^QVANLP%
T@VRTVO AYUJYATARB	,AEJ^O\A@N[VA\FNLC	QXICG_RV\[[	BNKSVTX]@@QQXJV%_@\NMA	.EZOVRVQW; 	_UCSOA		@T ^PYURJ_QW%		F[YVRH@Q YER_\RVQ
][F@]\NQ[VC@SY\NXKDCSCXJOJ^[[Q<QI]QV
@S=
QNXHX
	<		@NKRB	XIE[DAXTVO

< ]SX[VDO IADYHX JAYSUNER]@@TBVRUM_C\\[[
AC^@SS1VQOVXT 7^NMKRRO[	
j	QXI@Z _VNVEMWV[I\_NP2
BIBEYHX	[YRR@@QPTJWZ[BCCG_RVZNASSO[ _]^TTRJ_QUQNYVOA3]FAAY[	
j	PXIAZ _V3 P[V@]@NLE@@AGZKDXHX
	<		BNKS_KJ	QQ BLDF	D[YU[A\C@SY_NXLKK[_V]NMO[[SI@Q@TDO]=KBDIV3 Q[VA]@NLP%
T@VRWK\\NAC^@[DZ^KJ
4E
UXWA]][[ QV@SYE @QQDLXTVO QAYO[K\ANLC	SXIE\	CDDF	RV]
UAR<H]ENKLP%
TAVRVK\\N	 &
QLTY\@@
CQNZWN]G\\[[3PVJW]SK_QTF@\AZ@U_QVGTVWDOYIB^\J]\NR[VEZIR^E	NXK_I ,EYQXWN	 &
PLUY\@@R+
CNVDHROA		@TTXX[RJ_QW%		F[YRRH@Q YER\]WVQ
][F@[ET\GUA^SXX _X]@@TBVRROU@\@UAYH_N@=_SJW@R+
BNVEHROA
	1A_@@@BZQRV^ENSUSI@Q	V7BQQ BEDF	 UCRRWUNER[XZJC_IGHOJZXOISOASLQ\U\RVQIEHX\/]]D[YA
	1A^@@ABZQ3	PAC_B]]@ZNXHA@^CDDF	&]QV@S_EQIZ @XJ	_UCUP[I\_N@ZOVTIKC[Q	ANVAJ[SSUNSX_HKJ\3SKAQQJQ3	QAC^B]]@S=
QN[UKAR AYK^C\GR^E
,HYF@\A]@UNI]@PB	IQI]KDXHX KAYUKTC\]@T]@@EASCXJOJ][[R<RH]QV
@S=
QNZUKAR	
 <	B@TVYANIFYROX@\@U,ER\]SVQGJ^K\A@NJNIZ@Z^KJAIEEPTJARRACZBTARBOVS_QZnBEXF@R	
 <	C@TVYANE, ^RV_FHOASX\TXX\RVQW; 	]UCRRRUN	]Y\\NXDGJ^L]H\\[[	ANKT^WXAN QN^TB]@@NAYR@Q^.SXERNE, _RV\[[3PTJW\NXTVRPO]B[\GUA	.EYOVWKB_I]XWAZU[[	@NKRB	HQI[Q	ANVFK[VSI@Q@TDO^=KEKIV3 Q[VC@SS3XIDDF
	UCWWVN]C\]@S=
 QN]UKAR 	AYHZK@SY^NXJ_QPVXW@@NHNI]CU\WDOXIAQF7ULXRVU,ER]@@R+
CNVGUA	NKV]W]]\NXT 7]NMLRRO[ LV^X@@T@VRTVO QAYI@QPVJW]PI@C[QF@_@NE&RUW[VNP2
AICXJ(JNI\]@ZNXNAD_CDDF	&]QVDS_EQIZGXJ	_UCSOAPLWDOZIEZVJ]@@NAYQ@Q^.SXERNE, _RV\[[3PTJW\NXTVRPN\AZ\GUA	.EYOVWKB_I]XWAZ[[[	@NKRB	HQI[Q	ANVFKVZSI@Q@TDO^=KEEIV3 Q[VC@SS3XIDDF
	UCWPUO\C\]@S=
 QN]UKAR 	AYHZE@SY^NXJ_QPVXW@@NHNI]CVXWDOXIAQF7UL\RVU,ER]@@R+
CNVGUA	NKV__[]\NXT 7]NMLRRO[ LV^\@@T@VRTVO QAYI@QPVJW]SBBC[QF@_@NE&RUS[VNP2
AICXJ(JNI\]@ZNXNCJYCDDF	&]QVDS_EQIZCXJ	_UCSOAPLWDOZIEYRB]@@NAYQ@Q^.SXERNE, _RV\[[3PTJW\NXTVRPH_IX\GUA	.EYOVWKB_I]XWAZ_[[	@NKRB	HQI[Q	ANVFKSTSI@Q@TDO^=KEAIV3 Q[VC@SS3XIDDF
	UCWR[JTC\]@S=
 QN]UKAR 	AYHZA@SY^NXJ_QPVXW@@NHNI]@[ZWDOXIAQF7VO^RVU,ER]@@R+
CNVGUA	NKZW_P]\NXT 7]NMLRRO[ LU]^@@T@VRTVO QAYI@QPVJW^WOBC[QF@_@ND&QQR[VNP2
AICXJ(JNI\]@ZNXMCJ^CDDF	&]QVES_EQIYBXJ	_UCSOAPLWDOZIFXVO]@@NAYP@Q_.S[ERNE, _RV\[[3PTJW\NXTVRWBY@X\GUA	.EYOVVKB_I]XWAYX[[	@NKRB	HQI[Q	ANVFIZUSI@Q@TDO]=KKCIV3 Q[VA]@NLP%
T@VRWK\\NACYC\BZ^KJ
4E
UXWA]][[ QV@Z^E @QQ GFPTJARQAC]G^IR^E BQQ GFPTJARUCRO[],]ISLJ
4E
VXWB]][[3PTJW_SK_Q^F@X@Y^OISOA
	1A]@@BBZQRV]OHOA 	B@TS\_\RVQ
]ZF@\DX^GIOA 	@@TS\_\RVQIEHX\/]TE[YA
	1A^@@ABZQ3	PAC_B]]@ZNXOBCZCDDF	&]QV@S_EQIZ	AXJ	_UCRWVO\C@SY_NXKGF]CXJ	]UCRWVO\C@S
]Y@@K,BSQNF	&^QVCS_E
,H[F@^A]@U	NIY@W^WXANE, \RV]FHOA SX_TDOXIE\SJ]@@NKNI]EU^WDOZIE\SJ]@@NAYR@Q].SVERNE, _RV^FHOA
=L^NXIBBGOJY^GISSSUN
A8KQIZ BXJ NMH[WO[ ]]YYTVJC_IGHOJ]XOMSSO[ _]YYTVJC_IXVRUAR]3FAVAYN
A8HQIY BXJ(JNI_@SB	XIFYJDXTVO

< ]SX_VDO IBL]HX JAYRMUK\ANLC	PXIB_KDXHX HAYRMUK\ANL\JW]VQB4 KBJ^O

< ^SX\VDO	nIOJ_]FUA	NKW\_Y]\NXT 7]NMHRRO[ LVP[@@T@VRUO\B\\[[	ANKS[UX]@@TBVRUO\B\\[[
AC]@SS1__OVXT 7^NMKRRO[	
j	QXI@Z _VNVBJWTQI\_NP2
BIBEYHX	[YR[N@QPTJW]WHEC[Q	BNVFLQUSI@QPVJW]WHEC[QF@\@NF&R[[[VNP2
AIAEYHX
	<		@NKQ_KJQQ@M^VJ]\N	 &
SLVY\@@]QNY\BARPAC]FXAR^E AQQ F@XTJARRAC]FXAR^E	NXK_I ,EP]XWN	 &
PLUY\@@R+
CNVDHROA		@T S\X_RJ_QW%		F[YRRH@Q YER\T[VQ
][F@\EYXGIOA 	C@TR]Y\RVQ
]YF@\EYXGIOA
NI]NL8Y^U@@QW%		E[YSO[	
j	QXICGOJ_^FJQSSUN
A8KQI_ BXJ NMHPZO[ ]]XANQNXHX HAYZH[C\]@QER^NX@,YDVRX
	<		ANKRB	,AGJ^JAR AY@TC\IR^E
,HYF@YA]@UNI^GUB	IQI[Q	BNVGUA]SX\^_]\NXI@	DFI2B\TUCA
=L_NXJ_QW%		D[YSO[LQ\]YVJC_IT2HAYWH]_NPJW^RB_QPWXW@@NKNI\]@T]@@BKY	CDDF	RV_
UAP<KZFNKLP%
TAVRTVO

< _SX^EQIRD@_TJAR	
 <	@@TVYANIF^QVO PAYI@QPUJW\NXDEJ^HZF]\GUA
[V@]@]jV[UNXQW; 	^UCSOA
	1A_@@C_IAXWC][CNSSO[	
j	SXIGZ _VNVFJ[OAQLWDOYIDDF	F[YZSO\C@S
][@@I,A]QNF	&^QVANLP%
T@VRTVO AYZLXKYARB	,AEJ^N\A@N[VAZBNLC	QXICG_RV\[[	BNKPYRX]@@QQXJW%_F^NMA	.EZOVRVQW; 	_UCSOA		@TSPXXRJ_QW%		F[YWRH@Q YER_ZPVQ
][F@]\NQ[VC@SY\NXHDC\CXJOJ_[[P<QO]QV
@S=
QNXHX
	<		@NKRB	XIJ_A@XTVO

< ]SXZVDO IABYHX JAYSUNER]@@TBVRVLUI\\[[
AC_@SQ1QXOVXT 7^NMIOA
=L^NXJ_Q^F@TCYUDISOA
	1A]@@GBZQRV^AIOA 	B@TKJAICXJ	]UCQUTH\C@S
][@@H,A_	QNF	&^QVANLP%
T@VRTVO AY[OXB\ARB	,AEJ^O\A@N[VAXINLC	QXICG_RV\[[	BNKPZQX]@@QQXJW%_FUNMA	.EZOVRVQW; 	_UCSOA		@T^Z[URJ_QW%		F[YWRH@Q YER_Z[VQ
][F@]\NQ[VC@SY\NXHK@XCXJOJ_[[P<QOTQV
@S=
QNXHX
	<		@NKRB	XIJS@MXTVO

< ]SXZVDO IABPHX JAYSUNER]@@TBVRVB\E\\[[
AC_@SQ1SZOVXT 7^NMIOA
=L^NXJ_Q^F@^C_YNISOA
	1A]@@GBZQRV]CKOA 	B@TKJAICXJ	]UCZVQI\_NLTANQ%BGXIJ(KNI\]@S=
QNXHX	[YPPN[J\ANLP%
TBVRPK\\N AC]G_]@T_@@C_IGHOJ\@U]QVHTZWDOXI@QG7UN]RVU,ER]@@R+
CNVGUA	NKQ\ VP]\NXT 7]NMMRRO[ LV\]@@T@VRTVO QAYI@QPVJWUPBCCGJ^I\N_(HWRACQ	V7AQQ_V3 P[VC@SBOVQHJ@SCXJ(HNIX@SB	XIB_ _V_NMIOA 	C@TKJBIJ@XTJARUCPO[^,^E[LJ
4E
VXW@@N 3]]XANIL_TJX@\@U,ERX]SVQGJ^HYI@NJNI\]@T^@@C_IGKOJ^XOJSSO[NKPE[2]VLQI/QAYI@Q	V7@QQ_VNVDLSWSI\_NP2
BIGEYHX	[YRWO@QPTJW\NXDFJ^JARRAC]C\AR^E	NXI_I,E[UXWN	 &
PLWDO	nIOJ\@U	NI^HRZWXANE, \RVXFHOA SX_VDOXIDDF	E[YSO[ _]P_URJ_QUQN[VOC3]CNAY[	
j	PXICG/PAYI@QGER^YVLBC[Q3	RACXB]]@PNXKGDG^RV\[[	ANKRB	KQIZBFXTVONMJOAJ3BUD@TNE
,HZF@]\N	 &
QLWDOIFC[]L]@@N 3_]\\]NXTVRUCX\NP[VC@SY_NXJ_QPUXWAZ_OISOAQVBBT7\_RXIIT2KAYSUN
A8IQI[QRV^OOUPSI@Q	V7BQQBEDF	 UCRPSUNER]@@TAVRTVO RAYA]K\ANL\JW_VQ@4 G@J^O

< ^SX^E
,H[F@]\NAC_G^AR^KJ
4E
UXWD]][[ QV@VZE @QQ_V^NMIOA 	@@TP^]\NXI@	DFI2AXYUCA
=L_NXJ_QW%		D[YSO[LT\[^RJC_IT2HAYWH]_NPJW]VO_QPWXW@@NKNI\]@T]@@JKSCXJOJ_[[Q<QNUQV
@S=
QNXHX
	<		@NKRB	XIB[FC_TJAR	
 <	@@T VYANIF_]VO PAYI@QPUJW\NXDEJ^I]A_\GUA
[VA]@]jV\UNXQW; 	^UCSOA
	1A_@@C_IAXWCYTOHSSO[	
j	SXIGZ _VNVFM[OAQLWDOYIDDF	F[YRSKXC\]@QER^NX@,ZQNF	&^QVANLP%
T@VRTVO AYRMUC\ANLP%
TBVRPK\\N AC]J@SY^NXJ_QPVXW@@NHNIYAW^E	NXI_I,F]QXWN	 &
PLWDO	nIOJ\@U	NIUAWYWXANE, \RVXFHOA SX\ RDOXIDDF	E[YSO[ _]ZXTWJC_IXVRWAR_3FMZAYN
A8HQI[Q3	PAC\_NPJW_TICA[_V3 R[VG]@NLY @@BGRQ	CNVGUA^SX^E BQQ CG^TJARUCPO[^,^FZLJ
4E
VXW@@N 3]]XANIEXPCYF\\[[3PVJWYSK_QTF@_GT@U_QVANLC	PXICG\RV^N@VSSUNSX\HKJ^3SBQI/QAYI@Q	V7@QQ_VNVFMSQSI@Q	V7BQQBEDF	 UCR[O[ ]]XANQNXHX HAYWA\C@S
][@@I,B]	QNF	&^QVANLP%
T@VRTVO AYWMYD]ARB	,AEJ^N\A@N[VBZINLC	QXICG_RV\[[	BNKS\UX]@@QQXJW%\FUNMA	.EZOVRVQW; 	_UCSOA		@TRX_[RJ_QW%		F[YWRH@Q YER\Z[VQ
][F@]\NQ[VC@SY\NXKAK^CXJOJ_[[P<QOZQV
@S=
QNXHX
	<		@NKRB	XIJ\DCXTVO

< ]SXZVDO IAB^HX JAYSUNER]@@TBVRVMZI\\[[
AC_@SQ1QXOVXT 7^NMIOA
=L^NXJ_Q^F@Y@U^@ISOA
	1A]@@GBZQRV]AIOA 	B@TKJAICXJ	]UCRRUA\C@S
][@@I,B] QNF	&^QVANLP%
T@VRTVO AYWH_K_ARB	,AEJ^N\A@N[VBZ@NLC	QXICG_RV\[[	BNKS_VX]@@QQXJW%\F^NMA	.EZOVRVQW; 	_UCSOA		@TVP^TRJ_QW%		F[YWRH@Q YER\ZPVQ
][F@]\NQ[VC@SY\NXKBJ_CXJOJ_[[P<RO_QV
@S=
QNXHX
	<		@NKRB	XIGYJ@XTVO

< ]SXZVDO IBB[HX JAYSUNER]@@TBVRUH]G\\[[
AC_@SQ1Q\OVXT 7^NMIOA
=L^NXJ_Q^F@YB[XNISOA
	1A]@@GBZQRV]AMOA 	B@TKJAICXJ	]UCRQQI\C@S
][@@I,B]QNF	&^QVANLP%
T@VRTVO AYWJ^CYARB	,AEJ^N\A@N[VBZDNLC	QXICG_RV\[[	BNKS\TX]@@QQXJW%\FZNMA	.EZOVRVQW; 	_UCSOA		@TT^[\RJ_QW%		F[YWRH@Q YER\ZTVQ
][F@]\NQ[VC@SY\NXKAG]CXJOJ_[[P<RO[QV
@S=
QNXHX
	<		@NKRB	XIG_ BBXTVO

< ]SXZVDO IBB_HX JAYSUNER]@@TBVRUHXI\\[[
AC_@SQ1Q\OVXT 7^NMIOA
=L^NXJ_Q^F@TF]]AISOA
	1A]@@GBZQRV^AMOA 	B@TKJAICXJ	]UCQTWJ\C@S
][@@I,A^QNF	&^QVANLP%
T@VRTVO AY[@_KTARB	,AEJ^N\A@N[VAYBNLC	QXICG_RV\[[	BNKP[ VX]@@QQXJU%XGNV[3PUJW^SK_QW%		D[YPRH@QGER[_TJCCG/RAYH]B@SCOVWM_QPWXWATUBIOA 	C@T_QX\NXDEJ^KUIY\[[
AC]@SS1 QJW@R+
BNVEHROA
	1A_@@@BZQRVZEIPSSUN
A8KQIZ BXJ NMLUOAQLVPX\RVQ
]ZF@\HY\GUA]SX_RX]@@QQ XJU%XENV[3PUJW^SK_QW%		D[YPRH@QGER[\VOCCG/RAYH]B@SCOVWO_QPWXWAT\BIOA 	C@T_XX\NXDEJ^KU@Y\[[
AC]@SS1 SJW@R+
BNVEHROA
	1A_@@@BZQRVYOATSSUN
A8KQIZ BXJ NMLWOAQLV_[\RVQ
]ZF@\GZ\GUA]SX_QX]@@QQ XJU%XCNV[3PUJW^SK_QW%		D[YPRH@QGERX[QJCCG/RAYH]B@SCOVWI_QPWXWA[]BIOA 	C@TPYX\NXDEJ^KZAY\[[
AC]@SS1 UJW@R+
BNVEHROA
	1A_@@@BZQRVYBNQSSUN
A8KQIZ BXJ NMLQOAQLV^Z\RVQ
]ZF@\F[\GUA]SX_PX]@@QQ XJU%XANV[3PUJW^SK_QW%		D[YPRH@QGERXXSNCCG/RAYH]B@SCOVWK_QPWXWAZ^BIOA 	C@TQZX\NXDEJ^K[BY\[[
AC]@SS1 WJW@R+
BNVEHROA
	1A_@@@BZQRVYELUSSUN
A8KQIZ BXJ NMLSOAQLV]U\RVQ
]ZF@\ET\GUA]SX_ _X]@@QQ XJU%XINV[3PUJW^SK_QW%		D[YPRH@QGER[ZULCCG/RAYH]B@SCOVWC_QPWXWAUTBIOA 	C@T^PX\NXDEJ^KTHY\[[
AC]@SS1 _JW@R+
BNVEHROA
	1A_@@@BZQRVZBH[SSUN
A8KQIZ BXJ NML[OAQLVQY\RVQ
]ZF@\IX\GUA]SX_SX]@@QQ XJV%\B]NMA	.EZOVRVQW; 	_UCSOA		@TRYTXRJ_QW%		F[YVRH@Q YER\^SVQ
][F@]\NQ[VC@SY\NXMBJ[_V XWB@UK<RQINISS3YIDDF	&_QVANLE@@AGSJDXHX
	<		BNKW_KJ	QQ ADDF	D[YSO[ \]XAN QN_TB]@@NAYQ@Q^.S\ERNE, _RV\[[3PTJW\NXTVRVOTFY\GUA	.EYOVWKB_I]XWA^_[[	@NKRB	HQI[Q	ANV@MRSSUNSX\HKJ_3SHAQQJQ3	QAC\_NP2
@ICXJNMKVV[I\C@SS3ZIAYUVO	AYRK^_N@[OVRVQ
]ZF@]\NR[VD_AR^E	NXH_I,EZQXWN	 &
PLWDO	nIOJ\@U	NI^GU]WXANE, \RVYFHOA SX_RDOXIDDF	E[YSO[ _]_[_RJ_QUQNZVOB3]EMAY[	
j	PXICG/PAYI@QGER_ZQOBC[Q3	RACYB]]@PNXKAGG^RV\[[	ANKRB	KQI\ADXHXNVEOAQ&]A[SX	,AFJ^JAR	
 <	B@TKJQQDAXSJ]\N	 &
SLRY\@@]QNYVMARPAC\_N@ZOVRVQ
]YF@ZHY\GUA
[VA]@\jVZ[NXQW; 	^UCSOA
	1A_@@C_IAXWB[]EHSSO[	
j	SXIFZ _VNVFKUOAQLWDOYIDDF	F[YTTM\C@S
]Z@@H,BYQNF	&^QVANLP%
T@VRTVO AYQA^DTARB	,AEJ^O\A@N[VB^HNLC	QXICG_RV\[[	BNKZ^WXANQIYL_VZ;K_HNV[3PUJW\NXT 7_NMIOASX\_Q_\RVQW; 	]UCVRRUN	]Y_TNXDGJ^JARQAC\_N@YOVUCEC[QF@_@NE&QWQ[VNP2
AICXJ(JNI\]@ZNXBAKXCDDF	&]QVDS_EQIYAXJ	_UCSOAPLWDOZIF[RN]@@NAYQ@Q^.PZERNE, _RV\[[3PTJW\NXTVR\IYC]\GUA	.EYOVWKB_I]XWBX_[[	@NKRB	HQI[Q	ANVEJ[RSI@Q@TDO^=HGGIV3 Q[VC@SS3XIDDF
	UC[WSK[C\]@S=
 QN]UKAR 	AYKXG@SY^NXJ_QPVXW@@NHNI^B[VWDOXIAQF7VNXRVU,ER]@@R+
CNVGUA	NKZZU[]\NXT 7]NMLRRO[ LU\X@@T@VRTVO QAYI@QPVJW^VKFC[QF@_@NE&QWU[VNP2
AICXJ(JNI\]@ZNXBFAZ	CDDF	&]QVDS_EQIYEXJ	_UCSOAPLWDOZIF\WH]@@NAYQ@Q^.PZERNE, _RV\[[3PTJW\NXTVR\OUAX\GUA	.EYOVWKB_I]XWBX[[[	@NKRB	HQI[Q	ANVEMWZSI@Q@TDO]=HC@IV3 Q[VA]@NLP%
T@VRWK\\NACZBXCT^KJ
4E
UXWA]][[ QVCR]E @QQ DA[TJARQAC]DYBR^E BQQ DA[TJARUCRO[],^APLJ
4E
VXWB]][[3PTJW_SK_Q^F@[@U\GISOA
	1A]@@BBZQRV^GKOA 	B@TP[U\RVQ
]ZF@\G_TGIOA 	@@TP[U\RVQIEHX\/^\F[YA
	1A^@@ABZQ3	PAC_B]]@ZNXLC@\CDDF	&]QV@S_EQIYBXJ	_UCRTQJ\C@SY_NXKDAXCXJ	]UCRTQJ\C@S
]Y@@K,A[QNF	&^QVCS_E
,H[F@^A]@U	NIYHZZWXANE, \RV]FHOA SX\WDOXIE_TB]@@NKNI]FRVWDOZIE_TB]@@NAYR@Q].P^ERNE, _RV^FHOA
=L^NXIBBGOJZ_BK[SSUN
A8KQIZ BXJ NMKSTO[ ]]YU]QJC_IGHOJ]TFJSSO[ _]YU]QJC_IXVRUAR]3EIUAYN
A8HQIY BXJ(JNI_@SB	XIEXCGXTVO

< ]SX_VDO IAD^HX JAYRNUK\ANLC	PXIB\KDXHX HAYRNUK\ANL\JW]VQB4CAJ^O

< ^SX\VDO	nIOJ_]FUA	NKT\P_]\NXT 7]NMHRRO[ LUXX@@T@VRUMUC\\[[	ANKSYTX]@@TBVRUMUC\\[[
AC]@SS1W\OVXT 7^NMKRRO[	
j	QXI@Z _VNVAHZVRI\_NP2
BIBEYHX	[YQSM@QPTJW]ULKC[Q	BNVFNU[SI@QPVJW]ULKC[QF@\@NF&QSZ[VNP2
AIAEYHX
	<		@NKQ_KJQQGA_]J]\N	 &
SLVY\@@]QNZTCARPAC]KXBR^E AQQ K@[TJARRAC]KXBR^E	NXK_I ,FX\XWN	 &
PLUY\@@R+
CNVDHROA		@TSXXXRJ_QW%		F[YRRH@Q YER_\ZVQ
][F@\H^TGIOA 	C@T_ZU\RVQ
]YF@\H^TGIOA
NI]NL8YZY@@QW%		E[YSO[	
j	QXICGOJX[@OSSSUN
A8KQI_ BXJ NMHTVO[ ]]XANQNXHX HAYRJZ@\ANL\JW_VQ@4 BMJ^O

< ^SX^E
,H[F@]\NAC^GXDZ^KJ
4E
UXWD]][[ QV@SWE @QQ_V^NMIOA 	@@T^P]\NXI@	DFI2A]TUCA
=L_NXJ_QW%		D[YSO[LU\\\ZJC_IT2HAYWH]_NPJW]SB_QPWXW@@NKNI\]@T]@@EKSCXJOJ_[[P<RHYQV
@S=
QNXHX
	<		@NKRB	XIAXFCXTVO

< ]SXZVDO IBE]HX JAYSUNER]@@TBVRROU@\@UAYJ_NB=_SJW@R+
BNVGUA	.E[OVRVQFJ^H_G\ZGIOA
=L\NXNBBGOJ]]CUA_SX^E AQQ_V]NMOW[SI@Q@TDO_=KBDIV3 Q[VC@SS3XIDDF
	UCQPTLTC\]@S=
 QN\UKAR 	AYH]D@SY^NXJ_QPVXW@@NHNIZFZ^KJ@@@G@+YULOJN 3\]XANE, ^RV\[[QVCQZPX]@@R+
ANVCHROA		@TV^ANQNXHX KAYSUNER[ZZJC_IXVRWAR_3FHRAYN
A8HQI[Q3	PAC\_NPJW^SLFF[_V3 R[VG]@NLY @@BBZQ	CNVGUA^SX^E BQQBLXTVONMJOAJ3B]A@TNE
,HZF@]\N	 &
QLWDOIAE[TO]@@N 3_]\\]NXTVRUK]\NP[VC@SY_NXJ_QPUXWF\TGIOA
NI_NL8Y\_@@QW%		E[YSO[	
j	QXICGOJ^^DLUSSUN
A8KQI_ BXJ NMHRPO[ ]]XANQNXHX HAYUJTC\]@QER^NX@,Z AVRX
	<		ANKRB	,AGJ^JAR AYK^C\GR^E
,HYF@YA]@UNI]@PB	IQI[Q	BNVGUA]SXX_X]@@QQXJW%_CTNMA	.EZOVRVQW; 	_UCSOA		@TW\UTRJ_QW%		F[YWRH@Q YER__ZVQ
][F@]\NQ[VC@SY\NXHAJ\CXJOJ_[[P<QJUQV
@S=
QNXHX
	<		@NKRB	XIKZGLXTVO

< ]SXZVDO IAGQHX JAYSUNER]@@TBVRVI\C\\[[
AC_@SQ1T\OVXT 7^NMIOA
=L^NXJ_Q^F@ZH^XBISOA
	1A]@@GBZQRV^DMOA 	B@TKJAICXJ	]UCQQPJ\C@S
][@@I,AXQNF	&^QVANLP%
T@VRTVO AYTATCZARB	,AEJ^N\A@N[VA_DNLC	QXICG_RV\[[	BNKP\^X]@@QQXJW%_CZNMA	.EZOVRVQW; 	_UCSOA		@T^[[[RJ_QW%		F[YWRH@Q YER__TVQ
][F@]\NQ[VC@SY\NXHAE^CXJOJ_[[P<QJ[QV
@S=
QNXHX
	<		@NKRB	XIDRACXTVO

< ]SXZVDO IAG_HX JAYSUNER]@@TBVRVHUA\\[[
AC_@SQ1TXOVXT 7^NMIOA
=L^NXJ_Q^F@ZF\\DISOA
	1A]@@GBZQRV^DIOA 	B@TKJAICXJ	]UCQRU@\C@S
][@@I,AX QNF	&^QVANLP%
T@VRTVO AYTOYE_ARB	,AEJ^N\A@N[VA_@NLC	QXICG_RV\[[	BNKP_RX]@@QQXJW%_C^NMA	.EZOVRVQW; 	_UCSOA		@TPY_XRJ_QW%		F[YWRH@Q YER__PVQ
][F@]\NQ[VC@SY\NXHACZCXJOJ_[[P<QJ_QV
@S=
QNXHX
	<		@NKRB	XID\KAXTVO

< ]SXZVDO IAG[HX JAYSUNER]@@TBVRVH\G\\[[
AC_@SS1S\OVXT 7^NMKRRO[	
j	QXI@Z _VNVDMQSSI\_NP2
BIBEYHX	[YRWM@QPTJWUULCCG_RVU@OSSO[ _]QZZRJ_QUQNYVOA3]CLAY[	
j	PXIAZ _V3 P[V@]@NLE@@@G]CDXHX
	<		BNKS_KJ	QQ GADF	D[YZ[A\C@SY_NXCKK[_V]NM@[[SI@Q@TDO]=KGEIV3 Q[VA]@NLP%
T@VRWK\\NAC_F\ER^KJ
4E
UXWA]][[ QV@VXE @QQ CDXTJARQAC]C\AR^E BQQ CDXTJARUCRO[],]EULJ
4E
VXWB]][[3PTJW_SK_Q^F@^EXZFISOA
	1A]@@BBZQRV]CNOA 	B@TWY_\RVQ
]ZF@\@]^GIOA 	@@TWY_\RVQIEHX\/]XG[YA
	1A^@@ABZQ3	PAC_B]]@ZNXIAFZ	CDDF	&]QV@S_EQIZCXJ	_UCZQ[I\_N@ZOV[HKC[Q	ANVNK[SSUNSX_HKJ\3SNBQQJQ3	QAC^B]]@S=
QN[UKAR AYJ^J_IR^E
,HYF@\A]@UNI]ESB	IQIRCDXHX KAYZM\C\]@T]@@JG[CXJOJ][[R<RM^QV
@S=
QNZUKAR	
 <	B@TVYANIG[WOT@\@U,ER\]SVQGJ^KYB@NJNIUDP^KJAIJAZTJARRACUF^ARBOVS_QZnB@[F@R	
 <	C@TVYANE, ^RV_FHOASX]P_T\RVQW; 	]UCRRRUN	]YY_NXDGJ^C[D\\[[	ANK[XWXAN QNQRN]@@NAYR@Q].SZERNE, _RV^FHOA
=L^NXIBBGOJ_YOARSSUN
A8KQIZ BXJ NMHW[O[ ]]Y]^VJC_IGHOJ]\EMSSO[ _]Y]^VJC_IXVRUAR]3FMZAYN
A8HQIY BXJ(JNI_@SB	XI@]CFXTVO

< ]SX_VDO IB@QHX JAYRI_E\ANLC	PXIB[EDXHX HAYRI_E\ANL\JW]VQA4@MJ^O

< ^SX^E
,H[F@]\NACTB\EZ^KJ
4E
UXWE]][[ QVCQWE @QQ_V^NMIOA 	@@TTY^\RVQIFHX_/^_O[YA
	1A^@@C_IT2JAYSUN]P]XZBCCG/RAYL]B@SCOVPIK_IGIOJ\@U^QVANLC	SXIAYDDXHXNVEOAQ&^@YSX	,AFJ^JAR	
 <	B@TKJQQKLXRJ]\N	 &
SLRY\@@]QNZWOARPAC\_N@ZOVRVQ
]YF@_BXUGIOA
NI^NL8Z^X@@QW%		E[YSO[	
j	QXICGOJ[TEMVSSUN
A8KQI^ BXJ NMKPWO[ ]]XANQNXHX HAYQK_@\ANL\JW^VQA4@CJ^O

< ^SX^E
,H[F@]\NAC[JUCU^KJ
4E
UXWE]][[ QVCQYE @QQ_V^NMIOA 	@@TUP\\RVQIFHX_/^_A[YA
	1A^@@C_IT2JAYSUN]_T_TMCCG/RAYL]B@SCOVPIE_IGIOJ\@U^QVANLC	SXIAYFDXHXNVEOAQ&^@]SX	,AFJ^JAR	
 <	B@TKJQQEA^WJ]\N	 &
SLRY\@@]QNZWKARPAC\_N@ZOVRVQ
]YF@_ATYGIOA
NI^NL8Z^\@@QW%		E[YSO[	
j	QXICGOJ[ZGIPSSUN
A8KQI^ BXJ NMKPSO[ ]]XANQNXHX HAYQHZJ\ANL\JW^VQA4@GJ^O

< ^SX^E
,H[F@]\NAC[DZIW^KJ
4E
UXWE]][[ QVCQ]E @QQ_V^NMIOA 	@@TUYZ\RVQIFHX_/^_E[YA
	1A^@@C_IT2JAYSUN]_Z]PNCCG/RAYL]B@SCOVPIA_IGIOJ\@U^QVANLC	SXIAYBDXHXNVEOAP&XENKLP%
TAVRTVO

< _SX^EQI_JBXTVO

< ]SXZVDO IGBDF	D[YSO[ \]XAN QNYPH]@@NAYP@Q_.SLJ
4E
VXW@@N 3]]XANICYTJAR	
 <	@@TVYANIEDF	D[YSO[ \]XAN QNYTJ]\N[YPUN@3EVLJ
4E
VXW@@N 3]]XANI@\UL]@@N 3_]\\]NXTVRPNARPAC\_N@ZOVRVQ
]YF@\CX\GUA
[V@]@]jS]OVXT 7^NMIOA
=L^NXJ_Q^F@YEYZGIOA
=L\NXNBBGOJXY[[	@NKRB	HQI[Q	ANVFJ[SSUNSX]HKJ^3VHQI/QAYI@Q	V7@QQ_VNVCHPVSI@Q	V7BQQBEDF	 UCWQO[ ]]XANQNXHX HAYRKZC\]@QER^NX@,_QNF	&^QVANLP%
T@VRTVO AYWK[F\ANLP%
TBVRPK\\N ACX@@SY^NXJ_QPVXW@@NHNI]BR^KJ@@@G@+\TXWN	 &
PLWDO	nIOJ\@U	NI_IW[WDO	nKOJX]FUA	NKV^E @QQ_V^NMIOA 	@@TVP]\NXI@	DFI2@NV[3PUJW\NXT 7_NMIOASX^E
,HYF@YA]@UNI\]@T_@@C_IGHOJ\@U]QVANL\JW_VQA4BMJ^O

< ^SX^E
,H[F@]\NACZJTBT^KJ
4E
UXWE]][[ QVCSWE @QQ_V^NMIOA 	@@T^Q^\RVQIFHX^/XTUCA
=L_NXJ_QW%		D[YSO[LSQZZRJ_QW%		F[YWRH@Q YERYTNXDGJ^JARQAC\_N@YOVSOCC[QF@^@ND&WZACQ	V7AQQ_V3 P[VC@SBOVWKBE[_V3 R[VG]@NLY @@GJG^RV\[[	ANKRB	KQIZGDXHXNVDOAQ&^BTSX	,AFJ^JAR	
 <	B@TKJQQJGYTJ]\N	 &
SLRY\@@]QNZUBARPAC\_N@ZOVRVQ
]YF@\I[TGIOA
NI^NL8ZT[@@QW%		E[YSO[	
j	QXICGOJ]]@LURSI@Q	V7BQQBEDF	 UCQZTUNER]@@TAVRTVO RAYJ_FYARBOVQ_QXnFVRX
	<		ANKRB	,AGJ^JAR AYJYB\ANLP%
TBVRPK\\N ACY_N@[OVRVQ
]ZF@]\NR[VBTARBOVQ_QXnGVRX
	<		ANKRB	,AGJ^JAR AYKTB\ANLP%
TBVRPK\\N ACX_N@[OVRVQ
]ZF@]\NR[VBZARBOVQ_QYnABZF@R	
 <	C@TKJ
4E
WXW@@N[VJXIWZWDO	nKOJY]FUA	NKPXKJ@ICXJ	^UCSOASLU_][RJ_QUQNZVOC3[UCA
=L_NXJ_QW%		D[YSO[LSQ\\RVQW; 	]UCWRRUN	]_ANQNXHX KAYSUNER_^RJ_QUQN[VOB3^AJAY[	
j	PXICG/PAYI@QGERTYVBFC[Q3	RACYB]]@PNXHE@G^RV\[[	ANKRB	KQIYAAXTVONMKOAJ3ENKLP%
TAVRTVO

< _SX^EQI_BDXHX
	<		BNKV_KJ	QQ_V_NMIOA 	C@TKJBIADXTVONMJOAK3AZA@TNE
,HZF@]\N	 &
QLWDOIJG]]I]@@N 3_]]\]NXTVRVL]\NP[VC@SY_NXJ_QPUXWBZ[FISOAQVCBU7_]QXIIT2KAYSUN
A8IQI[QRVZAO[QSI@Q	V7BQQBEDF	 UCQRPUNER]@@TAVRTVO RAYHUC_ARBOVP_QYnABYF@R	
 <	C@TKJ
4E
WXW@@N[VJXCPZWDO	nKOJY]FUA	NKPXKJ@ICXJ	^UCSOASLU^UURJ_QUQNZVOC3]NMAY[	
j	PXICG/PAYI@QGERXZ[JFC[Q3	RACXB]]@PNXKJGG^RV\[[	ANKRB	KQIZA@XTVONMJOAK3A]C@TNE
,HZF@]\N	 &
QLWDOIEBYQL]@@N 3_]]\]NXTVRVK_\NP[VC@SY_NXJ_QPUXWATTOISOAQVCBU7_ZTXIIT2KAYSUN
A8IQI[QRVU@JTTSI@Q	V7BQQBEDF	 UCQUUUNER]@@TAVRTVO RAYK[DUARBOVP_QXnAMYF@R	
 <	C@TKJ
4E
WXW@@N[VB]BWXWXANE, \RVXFHOA SX\VDOXIDDF	E[YSO[ _][_XSJC_IXVRWAR^3EOTAYN
A8HQI[Q3	PAC\_NPJWUZJCK[_V3 R[VF]@NLY @@AE\Q	CNVGUA^SX^E BQQDM_TJARUCQO[^,^GVLJ
4E
VXW@@N 3]]XANIM^UK[@\@U,ERX]SVQGJ^H[D@NJNI\]@T^@@C_IGKOJ^[CJSSO[NKPEZ2^TOQI/QAYI@Q	V7@QQ_VNVNOTWTI\_NP2
BIFEYHX	[YQUL@QPTJW\NXDFJ^JARRAC^DZ@R^E	NXH_I,F^\XWN	 &
PLWDO	nIOJ\@U	NIUIT]WXANE, \RVYFHOA SX\_DOXIDDF	E[YSO[ _]ZU]WJC_IXVRVAR^3O[YA
	1A^@@C_IT2JAYSUN]][]RJ_QW%		F[YVRH@Q YERU@@T@VRTVO QAYI@QPVJW^VJC_IXVRVAR^3N[YA
	1A^@@C_IT2JAYSUN]^^]RJ_QW%		F[YVRH@Q YERT@@T@VRTVO QAYI@QPVJW^TJC_IXVRVAR^3EOZAYN
A8HQI[Q3	PAC\_NPJWU[HEJ[_V3 R[VF]@NLY @@AERQ	CNVGUA^SX^E BQQKG[TJARUCQO[^,\SX	,AFJ^JAR	
 <	B@TKJQQ_V3 R[VF]@NLY @@C_IGIOJ\@U^QVANLC	SXICGJ^H\N^(HAY[	
j	PXICG/PAYI@QGERZ]RJ_QW%		F[YVRH@Q YER\@@T@VRTVO QAYI@QPVJW]RJC_IXVRVAR^3E[YA
	1A^@@C_IT2JAYSUN]YY]RJ_QW%		F[YVRH@Q YER_@@T@VRTVO QAYI@QPVJW]PJC_IXVRVAR^3D[YA
	1A^@@C_IT2JAYSUN]Z\]RJ_QW%		F[YVRH@Q YER^@@T@VRTVO QAYI@QPVJW]VJC_IXVRVAR^3C[YA
	1A^@@C_IT2JAYSUN]ZU]RJ_QW%		F[YVRH@Q YERY@@T@VRTVO QAYI@QPVJW]TJC_IXVRVAR^3B[YA
	1A^@@C_IT2JAYSUN][X]RJ_QW%		F[YVRH@Q YERX@@T@VRTVO QAYI@QPVJW]ZJC_IXVRVAR^3A[YA
	1A^@@C_IT2JAYSUN]\_]RJ_QW%		F[YVRH@Q YER[@@T@VRTVO QAYI@QPVJW^RJC_IXVRVAR^3@[YA
	1A^@@C_IT2JAYSUN]\T]RJ_QW%		F[YVRH@Q YERZ@@T@VRTVO QAYI@QPVJW^PJC_IXVRVAR_3FAWAYN
A8HQI[Q3	PAC\_NPJWYPJCC[_V3 R[VG]@NLY @@BK_Q	CNVGUA^SX^E BQQ GL\TJARUCPO[],]H@TNE
,HZF@_A]@U,ER^]SVQFJ^KYI\\GUA	.EYOVSKB_I]XWAU@U_QVDR[KJAIFD]TVO RAYL\F\]@QER\NXB,Z	QNF	&^QVCS_E
,H[F@^A]@U	NI]ER\WDO	nKOJ]]FUA	NKSVE @QQKDXHX KAYWA\C@SY\NXNKC[QF@\@NE&P[ACQ	V7AQQ_V3 P[VC@SBOVQLBC[_V3 R[VF]@NLY @@@KG^RV\[[	ANKRB	KQIZ BDXHXNVEOAQ&_JNKLP%
TAVRTVO

< _SX^EQIX@FXTVO

< ]SX[VDO I@MDF	D[YSO[ \]XAN QNYUNX@@NAYQ@Q].S]]O	nHOJ^]FUA	.E[OVQKB_IAXWIZXGIOA
=L\NXKBBGOJ]_[[	@NKQ[ WDOYIG]QJARRAC_FYANL\JW]VQB4 AVRX
	<		ANKP_KJ
4E
WXWC]][[QVIUXWDO	nKOJ]]FUA	NKS\E @QQ@DXHX KAYPJ\C@SY\NXI@C[QF@\@NF&RRACQ	V7AQQBEDF	&_QVBS_EQI\	JDXHX
	<		BNKS_KJ	QQ BXJ	_UCPSVI@QPUJW_ROC_IGKOJ_\BIOA
NI]NL8Y]NXQW; 	^UCQRRUN
A8IQIX BXJNMNSRSI@Q	V7BQQ BEDF	 UCRSO[ ]]ZU\RVQ
]ZF@_H\\[[	BNKPVWDOXIBQF7WJOJN 3\]XANE, ^RV\[[QVCT\WXANE, \RVYFHOA SX]KJ@ICXJ	^UCSOASL_[]\NXIA	DFH2C]NMA	.EZOVRVQW; 	_UCSOA		@TP]\\RVQW; 	]UCVRRUN	][\@@T@VRTVO QAYI@QPVJWTTOC_IXVRVAR]3FLAY[	
j	PXIAZ _V3 P[V@]@NLE@@BBXCDDF	&]QV@S_EQIZ_V_NMMSVSUNERY\WJ_QPUXWD\YGUA
[VB]@\jT[OVXT 7^NMIOA
=L^NXJ_Q^F@_IUZGIOA
=L\NXOBBGOJ__[[	@NKRB	HQI[Q	ANVNJVSO[NKPEY2^VMQI/QAYK]B@SS3XIGYUVO AY[LTBXARB	,AEJ^K\A@N[VAXFNLC	QXIA_JDXHX KAYQMXJ\ANLC	SXIA_JDXHXNVFOAR&^GZSX	,AFJ^H\A@N 3]][\]NXTVR\O_AT\GUA	.EYOVSKB_I]XWBXZ[[	@NKPZUX]@@TAVRVN^B\\[[	BNKPZUX]@@QQ XJU%_DYNMA	.EZOVPKB_IT2JAYPH]_NPJWTVLA@[_V3 R[VB]@NLY @@AG^Q	CNVEMRVSI@QPUJW^VKFC[Q	ANVEMRVSI@Q@TDO]=HGGIV3 Q[VA]@NLP%
T@VRWK\\NACTG\CU^KJ
4E
UXWA]][[ QVCVZE @QQ@MPTJARQAC^@UIR^E BQQ@MPTJARUCRO[],^EQLJ
4E
VXWB]][[3PTJW_SK_Q^F@UCX_FISOA
	1A]@@BBZQRV^CJOA 	B@TTP\\RVQ
]ZF@_CT]GIOA 	@@TTP\\RVQIEHX\/^XE[YA
	1A^@@ABZQ3	PAC_B]]@ZNXBAKXCDDF	&]QV@S_EQIYAXJ	_UCQPUM\C@SY_NXH@E_CXJ	]UCQPUM\C@S
]Y@@K,A_ QNF	&^QVCS_E
,H[F@^A]@U	NITCPZWXANE, \RV]FHOA SX\VDOXIF[PM]@@NKNI^BVYWDOZIF[PM]@@NAYR@Q].PZERNE, _RV^FHOA
=L^NXIBBGOJT]AMWSSUN
A8KQIZ BXJ NMKWSO[ ]]Z^_RJC_IGHOJ^_DISSO[ _]Z^_RJC_IXVRUAR]3EMZAYN
A8HQIY BXJ(JNI_@SB	XIK\CAXTVO

< ]SX_VDO IA@QHX JAYQMT@\ANLC	PXIA_	@DXHX HAYQMT@\ANL\JW]VQB4GLJ^O

< ^SX\VDO	nIOJ_]FUA	NKZXVX]\NXT 7]NMHRRO[ LU\U@@T@VRVN[F\\[[	ANKPZQX]@@TBVRVN[F\\[[
AC]@SS1WJW@R+
BNVEHROA
	1A_@@@BZQRV]FIP[SI@Q	V7BQQ BEDF	 UC[SO[ ]][__RJ_QPVXWC^_GIOA 	@@TU[]\NXIB	DFK2H]NMA	.EZOVPKB_IT2JAYPH]_NPJW]SI@E[_V3 R[VB]@NLY @@KBG^RV_DHVSO[ \][^]WJ_QPUXWC_]BIOA
NI]NL8P_NXQW; 	^UCQRRUN
A8IQIX BXJNMHRUPM\C@SS3ZIEYUVO	AY[K@QPTJW_VJCCG_RV_CISSO[ _][Y\RJ_QUQNYVOA3TD[YA
	1A^@@ABZQ3	PAC_B]]@ZNXKBJXCDDF	&]QV@S_EQIS_V_NMJW[VI@QPUJW_VBFCG\RV_CAVSO[NKSEY2TVXIIT2KAYQH]_NP2
@I@EYHX	[YRQK^J\ANLP%
TBVRUK\\N ACTG@SY^NXIFD[_V^NMJVTSI@QPVJW_WMCCGJ^K\N](AVAYN
A8HQIY BXJ(JNI_@SB	XIBYACXTVO

< ]SX_VDO IKADF	D[YPULYC@SY_NXIEF^_V]NMJUVVI@Q@TDO]=BEQQJQ3	QAC^B]]@S=
QN[UKAR AYH^K^DR^E
,HYF@\A]@UNITGNLC	QXI@\CDDF	E[YPTM\C@SY\NXIDG[_V XWA@UH<[T[VNP2
AIAEYHX
	<		@NKQ_KJQQ @EZWJ]\N	 &
SLVY\@@]QNPSVO PAYJTAYANLC	PXI@SFDDF	F[YP[KYC@S
]Y@@K,KSIJ(KNI^@SB	,AGJ^I\A@N[VB_EP_WDO	nKOJ]]FUA	NKZVE @QQJEXTVO QAYJUB\ANLC	SXI@R CDDF	RV]
UAR<AUQV
@S=
QNZUKAR	
 <	B@TVYANIE[SKT@\@U,ER\]SVQGJ^BT\NP[V@UHW^E AQQJM]TVO RAYJUJYANL\JW]VQA4JVRX
	<		ANKRB	,AGJ^JAR AYL]BZARB	,AEJ^O\A@N[VGU]@T_@@C_IGHOJ\@U]QV@WZWDOXIAQF7PBOJN 3\]XANE, ^RV\[[QVE[YWXANE, \RVYFHOA SXZKJ@ICXJ	^UCSOASLV]]\RVQIFHX_/X]UCA
=L_NXJ_QW%		D[YSO[LTQTYRJ_QW%		F[YVRH@Q YERY]NXDGJ^JARQAC\_N@YOVSHAC[QF@_@NE&WSACQ	V7AQQ_V3 P[VC@SBOVQBFF[_V3 R[VF]@NLY @@GCG^RV\[[	ANKRB	KQIZ KDXHXNVEOAQ&X@NKLP%
TAVRTVO

< _SX^EQI_DAXTVO

< ]SX[VDO IGGDF	D[YSO[ \]XAN QNYWJ]@@NAYQ@Q^.V\]O	nHOJ\@U,ER]@@
CQN\UIX@\@U,ERX]SVQGJ^N_\NP[VC@SY_NXJ_QPUXWA^ZGIOA
NI^NL8\XNXQW; 	^UCSOA
	1A_@@C_IAXWDYYAISOA
	1A]@@FBZQRVXBUA_SX^E AQQ_V]NMHP[SI@Q@TDO^=NGQQJQ3	QAC\_NP2
@ICXJNMMWRUI\_NP2
BIFEYHX	[YWWUNER]@@TAVRTVO RAYH_G\ANL\JW^VQA4DVRX
	<		ANKRB	,AGJ^JAR AYMT@ZARB	,AEJ^O\A@N[VG[]@T_@@C_IGHOJ\@U]QV@VXWDOXIAQF7PLOJN 3\]XANE, ^RV\[[QVETWWXANE, \RVYFHOA SXZKJ@ICXJ	^UCSOASLV\_\RVQIFHX_/]X@[YA
	1A^@@C_IT2JAYSUN][XXTKCCG/RAYL]B@SCOVSND_IGIOJ\@U^QVANLC	SXIB[ ADXHXNVEOAQ&]GZSX	,AFJ^JAR	
 <	B@TKJQQFD\TJ]\N	 &
SLRY\@@]QNYPLARPAC\_N@ZOVRVQ
]YF@\@\\GIOA
NI^NL8Y]T@@QW%		E[YQRH@Q	V7@QQBEDF
	UCQSUIXC\]@S=
 QNYUKAR 	AYH\K@SY^NXOKK[_V^NML[[SI@QPVJWYZBCCGJ^K\N](HSZACQ	V7AQQBEDF	&_QVBS_EQIYJA\TJAR	
 <	@@TVYANIEX]VO PAYLUK\ANLC	PXIFR	CDDF	F[YVZA\C@S
]Y@@H,A\QNF	&^QVANLP%
T@VRTVO AYRI]DUCR^E
,HYF@XA]@UNI^FQB	IQI[Q	BNVGUA]SX\W]]\NXIA	DFH2B[^UCA
=L_NXJ_QW%		D[YSO[LVX\]THCCG/RAYL]B@SCOVPMA_IGIOJ\@U^QVANLC	SXIAS	DDXHXNVEOAQ&^DYSX	,AFJ^JAR	
 <	B@TKJQQ CGXQN]@@N 3_]]\]NXTVRVMX\NP[VC@SY_NXJ_QPUXWBUXFISOAQVCBU7_[VXIIT2KAYSUN
A8IQI[QRV]GKWQPI\_NP2
BIFEYHX	[YQTM@QPTJW\NXDFJ^JARRAC^J^BR^E	NXH_I,F_SXWN	 &
PLWDO	nIOJ\@U	NI]AV]RX]@@R+
ANVBHROA		@TP_ANQNXHX KAYSUNER_UUMCCGJ^H\N^(KTUACQ	V7AQQ_V3 P[VC@SBOVSJ@ESCDDF	&]QVDS_EQIYEXJ	_UCSOAPLWDOZIFQQC]@@NAYQ@Q].S^ERNE, _RV^FHOA
=L^NXIBBGOJ][BKSSSUN
A8KQIZ BXJ NMHSSO[ ]]]]TRJ_QPVXWE\TGIOA 	@@T WP]\NXIB	DFK2A\]UCA
=L_NXHBBG/PAYJ]B@SBOVSBBFZCXJ(HNI]@SB	XIB[ _V_NMLR[SI@QPUJWYSBCCG\RVYFASSO[NKSEY2]RHQI/QAYK]B@SS3XIGYUVO AYRAYC^ARB	,AEJ^K\A@N[VB\CNLC	QXIFY	CDDF	E[YVQA\C@SY\NXOAK[_V XWA@UH<RSJNISS3YIFYUVO

< _SX]VDOIBLPQH]@@N 3_]Y\]NXTVRUJ^\NP[VF_IR^E AQQ@LXTVO RAYL_K\ANL\JW]VQB4 C@J^O

< ^SX\VDO	nIOJ_]FUA	NKSWWZ]\NXT 7]NMHRRO[ LVXY@@T@VRQNU@\@U^QVDVVWDOZIA\\J]\N[YRUNB3@R[]O	nHOJ^]FUA	.E[OVQKB_IAXWAUYBJSSO[	
j	SXIBZ _VNVFIVOAQLR]U\RVQ
]ZF@XET\GUA]SX[ _X]@@QQ XJU%\@ZNMA	.EZOVPKB_IT2JAYPH]_NPJW][CC@[_V3 R[VB]@NLY @@BC]Q	CNVBO[SSUNERXZZJC_IGKOJYZOISOAQV@BV7\\UXIIT2KAYQH]_NP2
@I@EYHX	[YQSKYG\ANLP%
TBVRUK\\N AC]C[]@T_@@FDSCXJ	^UCVT[I\_N@YOVWMKC[QF@\@ND&R[V[VNP2
AICXJ(JNI\]@ZNXOAGRCDDF	&]QVES_EQIZ	FXJ	_UCSOAPLWDOZIE\]B]@@NAYP@Q^.SYERNE, _RV\[[3PTJW\NXTVRPC\B[\GUA	.EYOVWKB_I]XWA[T[[	@NKRB	HQI[Q	ANVFMSQSI@Q@TDO^=KDJIV3 Q[VC@SS3XIDDF
	UCWZVA^C\]@S=
 QN]UKAR 	AYH[J@SY^NXJ_QPVXW@@NHNI]ES[WDOXIAQF7UM[RVU,ER]@@R+
CNVGUA	NKVVV^]\NXT 7]NMLRRO[ LV_[@@T@VRTVO QAYI@QPVJW]QMEC[QF@_@NE&RTT[VNP2
AICXJ(JNI\]@ZNXNKE\ CDDF	&]QVDS_EQIZDXJ	_UCSOAPLWDOZIE[\C]@@NAYQ@Q^.SYERNE, _RV\[[3PTJW\NXTVRPM^@X\GUA	.EYOVWKB_I]XWA[X[[	@NKRB	HQI[Q	ANVFJVSSI@Q@TDO^=KDFIV3 Q[VC@SS3XIDDF
	UCWTTO\C\]@S=
 QN]UKAR 	AYH[F@SY^NXJ_QPVXW@@NHNI]BT]WDOXIAQF7UM_RVU,ER]@@R+
CNVGUA	NKVX^[]\NXT 7]NMLRRO[ LV__@@T@VRTVO QAYI@QPVJW]QHGC[QF@_@NE&RTP[VNP2
AICXJ(JNI\]@ZNXNEK_CDDF	&]QVDS_EQIZ@XJ	_UCSOAPLWDOZIE[WM]@@NAYQ@Q^.SYERNE, _RV\[[3PTJW\NXTVRPOYH^\GUA	.EYOVWKB_I]XWA[\[[	@NKRB	HQI[Q	ANVFKZ[SI@Q@TDO^=KDBIV3 Q[VC@SS3XIDDF
	UCWVZJTC\]@S=
 QN]UKAR 	AYH[B@SY^NXJ_QPVXW@@NHNI]BS_WDOXIAQF7WNOJN 3\]XANE, ^RV\[[QVBS_WXANE, \RVYFHOA SX]KJ@ICXJ	^UCSOASL^_]\NXIA	DFH2CYNMA	.EZOVRVQW; 	_UCSOA		@TU\_\RVQW; 	]UCVRRUN	][X@@T@VRTVO QAYI@QPVJW]RJFCGJ^H\N_(JAY[	
j	PXICG/PAYI@QGER_]SJC_IT2HAYWH]_NPJW_NXDGJ^JARQAC\_N@YOVSNCCGJ^I\N^(JUAYN
A8HQI[Q3	PAC\_NPJW_QLGC[Q3	RACYB]]@PNXIE_IGIOJ\@U^QVANLC	SXIB[CDDF	RV^
UAP<K\FNKLP%
TAVRTVO

< _SX^EQI]GC_TJAR	
 <	@@TVYANIFXQVO PAYI@QPUJW\NXDEJ^KZH_\GUA
[V@]@]jUXYNXQW; 	^UCSOA
	1A_@@C_IAXWF]UBHSSO[	
j	SXIGZ _VNVEIWOAQLWDOYIDDF	F[YRTOTC\]@QER^NX@,S	QNF	&^QVANLP%
T@VRTVO AYRJXA]ARB	,AEJ^N\A@N[VKT]@T_@@C_IGHOJ\@U]QVB[_WDOXI@QF7WMOJN 3\]XANE, ^RV\[[QVBVVWXANE, \RVYFHOA SX]KJ@ICXJ	^UCSOASLVXZYRVQIFHX^/^\F[YA
	1A^@@C_IT2JAYSUN]^]_UOCCG/RAYM]B@SCOVPJB_IGIOJ\@U^QVANLC	SXIB\@DXHXNVDOAP&^C\SX	,AFJ^JAR	
 <	B@TKJQQJL\]J]\N	 &
SLSY\@@]QNZTJARPAC\_N@ZOVRVQ
]YF@\G\TGIOA
NI_NL8Z]_@@QW%		E[YSO[	
j	QXICGOJZ]CKUSSUN
A8KQI_ BXJ NMKSPO[ ]]XANQNXHX HAYRNY@\ANL\JW_VQ@4CFJ^O

< ^SX^E
,H[F@]\NACZCUAR^KJ
4E
UXWD]][[ QVCR\E @QQ_V^NMIOA 	@@TP[U\RVQIGHX^/T^UCA
=L_NXJ_QW%		D[YSO[LVY[_VJC_IT2HAYWH]_NPJWTPVQ
][F@]\NQ[VC@SY\NXIGC[_V XWC@UH<RT[VNP2
AIAEYHX
	<		@NKQ_KJQQ @E\TJAR	
 <	@@TVYANIE_HX JAYWLYC@SY_NXNFF[Q	ANVCLVSO[NKSE[2TRXIIT2KAYSUN
A8IQI[QRV]FIP[SI@Q	V7BQQBEDF	 UC[SO[ ]]XANQNXHX HAYPK_C\]@QER^NX@,S QNF	&^QVANLP%
T@VRTVO AYRH_@ZARB	,AEJ^N\A@N[VK]]@T_@@C_IGHOJ\@U]QVBQ_ WDOXI@QG7\LOJN 3\]XANE, ^RV\[[QV@PVRX]@@R+
ANVCHROA		@TQDOXIDDF	E[YSO[ _][ZXRJ_QUQN[VOC3T@[YA
	1A^@@C_IT2JAYSUN]Y^]PICCG/RAYM]B@SCOVZM_QPWXW@@NKNI\]@T]@@@KYCXJOJ_[[P<[MNISS3YIDDF	&_QVANLE@@BAYJDXHX
	<		BNKV_KJ	QQ	GXJ	_UCSOAPLWDOZIG]SJ]\N[YPUNB3@TLJ
4E
VXWB]][[3PTJW_SK_Q^F@\B^[GIOA
=L\NXKBBGOJ]Z[[	@NKV]WDOYI@[TJARRACX@\ANL\JW]VQ@4 @VRX
	<		ANKRB	,AGJ^JAR AY@ZG\ANLP%
TBVRPK\\N AC]@@SY^NXJ_QPVXW@@NHNI_DW^E	NXI_I,FZTXWN	 &
PLWDO	nIOJ\@U	NI[AQWWXANE, \RVYFHOA SX\WDOXIDDF	E[YSO[ _]Z]\[JC_IXVRVAR^3DKAY[	
j	PXICG/PAYI@QGER_TUNCCG/RAYL]B@SCOVQH_QPWXW@@NKNI\]@T]@@JC[_V XWB@UJ<QACQ	V7AQQ_V3 P[VC@SBOVSNBC[Q3	RACXB]]@PNXH_QPWXW@@NKNI\]@T]@@BA[_V XWC@UH<RW[VNP2
AIAEYHX
	<		@NKQ_KJQQ CAZTJAR	
 <	@@TVYANIE\HX JAYPA\C@SY_NXIKC[Q	ANVDASSO[NKSEY2]UCQI/QAYK]B@SS3XIGYUVO AYW@YK^ARB	,AEJ^K\A@N[VB[HNLC	QXIB_ FDXHX KAYRM]F\ANLC	SXIB_ FDXHXNVFOAR&]DTSX	,AFJ^H\A@N 3]][\]NXTVRPC\B[\GUA	.EYOVSKB_I]XWA[T[[	@NKSZUX]@@TAVRUN]B\\[[	BNKSZUX]@@QQ XJU%\GYNMA	.EZOVPKB_IT2JAYPH]_NPJWXUMEC[_V3 R[VB]@NLY @@BD^Q	CNVFJUPSI@QPUJW]QL@C[Q	ANVFJUPSI@Q@TDO]=KDGIV3 Q[VA]@NLP%
T@VRWK\\NACXD_AV^KJ
4E
UXWA]][[ QV@UZE @QQ @AXTJARQAC]@YAR^E BQQ @AXTJARUCRO[],]FULJ
4E
VXWB]][[3PTJW_SK_Q^F@YHZ[FISOA
	1A]@@BBZQRV]@NOA 	B@TTPT\RVQ
]ZF@\CTUGIOA 	@@TTPT\RVQIEHX\/][A[YA
	1A^@@ABZQ3	PAC_B]]@ZNXNKAZCDDF	&]QV@S_EQIZEXJ	_UCRPTO\C@SY_NXK@D]CXJ	]UCRPTO\C@S
]Y@@K,B\ QNF	&^QVCS_E
,H[F@^A]@U	NIXD[]WXANE, \RV]FHOA SX_VDOXIE[UK]@@NKNI]BS_WDOZIE[UK]@@NAYR@Q].SYERNE, _RV^FHOA
=L^NXIBBGOJXYCAQSSUN
A8KQIZ BXJ NMHTSO[ ]]Y_UZJC_IGHOJ]^NASSO[ _]Y_UZJC_IXVRUAR]3FNPAYN
A8HQIY BXJ(JNI_@SB	XIG]	GMXTVO

< ]SX_VDO IBC[HX JAYRJ_D\ANLC	PXIBXDDXHX HAYRJ_D\ANL\JW]VQB4 DFJ^O

< ^SX\VDO	nIOJ_]FUA	NKVX^[]\NXT 7]NMHRRO[ LV__@@T@VRUI_D\\[[	ANKS]SX]@@TBVRUI_D\\[[
AC]@SQ1PXOVXT 7^NMIOA
=L^NXJ_Q^F@TIU\GISOA
	1A]@@GBZQRV^@IOA 	B@TKJAICXJ	]UCQ[VH\C@S
][@@I,A\ QNF	&^QVANLP%
T@VRTVO AYRI\F_@R^E
,HYF@YA]@UNI^FSB	IQI[Q	BNVGUA]SX\QQ]\NXI@	DFI2B[^UCA
=L_NXJ_QW%		D[YSO[LVX\]THCCG/RAYM]B@SCOVPMA_IGIOJ\@U^QVANLC	SXIAS	DDXHXNVDOAP&^D_SX	,AFJ^JAR	
 <	B@TKJQQ CE_]H]@@N 3_]\\]NXTVRVM^\NP[VC@SY_NXJ_QPUXWBU\BISOAQVBBT7_[VXIIT2KAYSUN
A8IQI[QRV]GKWQPI\_NP2
BIGEYHX	[YQTM@QPTJW\NXDFJ^JARRAC^J^BR^E	NXI_I,F_QXWN	 &
PLWDO	nIOJ\@U	NI]AQ^ SX]@@R+
ANVCHROA		@TP]ANQNXHX KAYSUNER_UVKCCGJ^I\N_(KTUACQ	V7AQQ_V3 P[VC@SBOVSJ@ESCDDF	&]QVES_EQIYEXJ	_UCSOAPLWDOZIFQQC]@@NAYP@Q_.PYERNE, _RV\[[3PTJW\NXTVRUJYC]YGIOA
=L\NXNBBGOJ^[@UA_SX^E AQQ_V]NMKZTTI\_NLTANQ%ADSIJ(KNI\]@S=
QNXHX	[YRSMUGZARB	,AEJ^N\A@N[VA[INLC	QXICG_RV\[[	BNKPWRX]@@QQXJW%_GUNMA	.EZOVRVQW; 	_UCSOA		@TW]X[UJC_IT2HAYWH]_NPJW^UC_QPWXW@@NKNI\]@T]@@@CZCDDF	RV_
UAR<NNISS3YIFYUVO

< _SX]VDOIGMYTJAR	
 <	@@TVYANICDF	D[YQQI\_N@ZOVPHCCG\RV^EISOAQV@BV7[NXQW; 	^UCQRRUN
A8IQIX BXJNMMQRSI@Q	V7BQQ BEDF	 UCUOAQLUX]\NXDFJ^H]@\@U]QVCR^KJ@@BGB+]F@R	
 <	C@TVYANE, ^RV_FHOASX] VX]@@R+
ANVFHROA		@T KJ@IBLXTVO QAYHTC\]@T]@@BK[_V XWA@UH<WACQ	V7AQQBEDF	&_QVBS_EQIY	BDXHX
	<		BNKS_KJ	QQ_V_NMHUSSUNER\ZRJ_QPUXWAZ\GUA
[VB]@_jTJW@R+
BNVEHROA
	1A_@@@BZQRV^FHSSO[	
j	SXIBZ _VNVDUA_SX_WXANQNYPJ]\NR[VBXARBOVS_QZnAVRX
	<		ANKP_KJ
4E
WXWC]][[QV@V_WDO	nKOJ]]FUA	NKPB	IQIZCDDF	E[YRQI\_N@YOVSHCCGJ^K\N](HAY[	
j	PXIAZ _V3 P[V@]@NLE@@DB[_V3 R[VB]@NLY @@B_IGIOJ]\GIOA 	C@TWX]@@TBVRUJ]@@NAYR@Q].RLJ
4E
VXWB]][[3PTJW_SK_Q^F@]\N	 &
SLVY\@@]QNXHX JAYSUNER]@@TBVRTVONMHOAJ3BYSX	,AFJ^JAR	
 <	B@TKJQQ BGQTJAR	
 <	@@TVYANIE]HX JAYSUNER]@@TBVRPJX@@NAYP@Q_.SZ]O	nHOJ\@U,ER]@@
CQNYTO_@\@U,ERY]SVQGJ^KY\NP[VC@SY_NXJ_QPUXWCT\GUA
[V@]@]jV_OVXT 7^NMIOA
=L^NXJ_Q^F@\C]XGIOA
=L\NXNBBGOJ][[[	@NKRB	HQI[Q	ANVCLVSO[NKQE[2]TXIIT2KAYSUN
A8IQI[QRV]EKTSSUN
A8KQI_ BXJ NMHUOAQLWDOYIDDF	F[YWPI\_NLTANQ%BBIV3 Q[VC@SS3XIDDF
	UCT[ZI\_NP2
BIGEYHX	[YRRUNER]@@TAVRTVO RAYJ\F\]@QER^NX@,ZQNF	&^QVANLP%
T@VRTVO AYTI]C\]@S=
 QN\UKAR 	AYH\_N@[OVRVQ
]ZF@]\NR[VATARBOVQ_QZnJVRX
	<		ANKP_KJ
4E
WXWC]][[QVGQ_WDO	nKOJ]]FUA	NK[B	IQIYCDDF	E[YQUI\_N@YOVPLCCGJ^K\N](AAY[	
j	PXIAZ _V3 P[V@]@NLE@@FEZCXJ(HNI]@SB	XIKG^RV^CISOAPLU\]\NXDEJ^HY@\@UAYH_NC=\UJW@R+
BNVGUA	.E[OVRVQFJ^L]I\\GIOA
=L\NXOBBGOJ^\EUA_SX^E AQQ_V]NMHTP[I\_NLUANQ%BFZIJ(KNI\]@S=
QNXHX	[YPTHX@\ANLP%
TBVRPK\\N AC]F]]@T_@@C_IGHOJ\@U]QV@RXWXANQIXL_V[;K]HNV[3PUJW\NXT 7_NMIOASX\QXY\RVQW; 	]UCWRRUN	]Y]TNXDGJ^JARQAC\_N@YOVWBKC[QF@^@ND&RVS[VNP2
AICXJ(JNI\]@ZNXIEDYCDDF	&]QVES_EQIZCXJ	_UCSOAPLWDOZIEXPB]@@NAYP@Q_.S^ERNE, _RV\[[3PTJW\NXTVRVJTEX\GUA	.EYOVVKB_I]XWA\U[[	@NKRB	HQI[Q	ANVB@[SSUNSX]HKJ^3SO@QQJQ3	QAC\_NP2
@ICXJNMJTZ[M\C@SS3ZI@YUVO	AYRL__N@[OVRVQ
]ZF@]\NR[VB\IV^KJ@@@G@+YTLOJN 3\]XANE, ^RV\[[QV@[WTX]@@R+
ANVCHROA		@TW^ANQNXHX KAYSUNERXZZJC_IXVRWAR]3EAZAYN
A8HQIY BXJ(JNI_@SB	XIBZAG\TJAR	
 <	@@TVYANIFP]VO PAYJ^C_ARB	HQIXCGXTVO RAYJ^C_ARBOVS_QZnALPF@R	
 <	C@TVYANE, ^RV_FHOASX_V][URJ_QW%		F[YRRH@Q YER_TZVQ
][F@^ATXGIOA 	C@TVPY\RVQ
]YF@^ATXGIOA
NI]NL8Y][@@QW%		E[YSO[	
j	QXICGOJ^\ELWSSUN
A8KQI_ BXJ NMHSTO[ ]]XANQNXHX HAYVNTC\]@QER^NXB,Y	@VRX
	<		ANKP_KJ
4E
WXWC]][[QV@RVSX]\NXT 7]NMHRRO[ LUP^@@T@VRWJUI\\[[	ANKQ^^X]@@TBVRWJUI\\[[
AC]@SS1_ZOVXT 7^NMKRRO[	
j	QXI@Z _VNVFITVTM\C@SS3ZIEYUVO	AYQA^_N@[OVQJDC[_V^NMJSTSI\_N@YOVQJDC[_V XWA@UH<Q[HNISS3YIFYUVO

< _SX]VDOIBD^]JU@\@U,ER\]SVQGJ^HUA@NJNI_AW_WDOYIGXQK]@@NHNI_AW_WDOXIBQE7VB]RVU,ER_]SVQW; 	_UCPRRUN]Y]ZPNAC[Q3	RAC]B]]@PNXHKCG^RV_GJQSSUNER^\QHCCG\RV_GJQSSUNSX_HKJ\3PBDQQJQ3	QAC^B]]@S=
QN[UKAR AYH]CUAQ^KJ
4E
UXWA]][[ QVCZYE @QQBB]TJARQAC_BZDR^E BQQBB]TJARUCRO[],^ITLJ
4E
VXWB]][[3PTJW_SK_Q^F@\A\^DNSSO[	
j	SXIBZ _VNVEAUOAQLTYYZRJ_QPVXWC]XAISOASLTYYZRJ_QUQNYVOA3^OLAY[	
j	PXIAZ _V3 P[V@]@NLE@@BCRDEXTVO

< ]SX_VDO IAL]HX JAYPH^D\ANLC	PXI@ZDDXHX HAYPH^D\ANL\JW]VQB4K@J^O

< ^SX\VDO	nIOJ_]FUA	NKS^^X[\RVQW; 	]UCRRRUN	]ZUXNXDGJ^I\@T\GUA^SX]WP]\NXDEJ^I\@T\GUA
[VB]@]jV]ZNXQW; 	^UCSOA
	1A_@@C_IAXWCUZAOSSO[	
j	SXIGZ _VNVFLTOAQLWDOYIDDF	F[YRRJ^C\]@QER^NX@,ZQNF	&^QVANLP%
T@VRTVO AY[NZC\]@S=
 QN\UKAR 	AYH^_N@[OVRVQ
]ZF@]\NR[V@_ARBOVQ_QXnBA^F@R	
 <	C@TKJ
4E
WXW@@N[V@UCV[WDO	nKOJX]FUA	NKS[KJ@ICXJ	^UCSOASLVY_\RJ_QUQN[VOC3UUCA
=L_NXJ_QW%		D[YSO[LQ[\\RVQW; 	]UCWRRUN	]QANQNXHX KAYSUNER_ZRJ_QUQN[VOC3]B@AY[	
j	PXICG/PAYI@QGERY\WJDC[Q3	RACXB]]@PNXKFJG^RV\[[	ANKRB	KQIZ FBXTVONMJOAJ3BYI@TNE
,HZF@]\N	 &
QLWDOIGDX\L]@@N 3_]\\]NXTVRUOU\NP[VC@SY_NXJ_QPUXWA]XCISOAQVBBV7[^@@QW%		E[YQRH@Q	V7@QQBEDF
	UCTQR@\C@SS3ZIEYUVO	AYUK@QPTJW^SNCCG_RV^FMSSO[ _]Z\XRJ_QUQNYVOA3ZD[YA
	1A^@@ABZQ3	PAC_B]]@ZNXMGBZCXJ(HNI]@SB	XIEXQ	CNVEHZVSUNER_][OC_IGKOJ^]NLSOAQV@BV7[\@@QW%		E[YQRH@Q	V7@QQBEDF
	UCU[PJ\C@SS3ZIEYUVO	AYUI@QPTJW^RICCG_RV^GJSSO[ _]Z]_RJ_QUQNYVOA3ZF[YA
	1A^@@ABZQ3	PAC_B]]@ZNXMCA]CXJ(HNI]@SB	XIEZQ	CNVEI[VSUNER_\ZOC_IGKOJ^\OLSOAQV@BV7[Z@@QW%		E[YQRH@Q	V7@QQBEDF
	UCTZZI\C@SS3ZIEYUVO	AYUO@QPTJW^QLCCG_RV^DOSSO[ _]Z^ZRJ_QUQNYVOA3Z@[YA
	1A^@@ABZQ3	PAC_B]]@ZNXBBKYCXJ(HNI]@SB	XIE\Q	CNVEMRVSUNER_XSOC_IGKOJ^XFLSOAQV@BV7[X@@QW%		E[YQRH@Q	V7@QQBEDF
	UCTUSM\C@SS3ZIEYUVO	AYUM@QPTJW^POCCG_RV^ELSSO[ _]Z_YRJ_QUQNYVOA3ZB[YA
	1A^@@ABZQ3	PAC_B]]@ZNXMDJ\CXJ(HNI]@SB	XIE^Q	CNVEJSVSUNER__ROC_IGKOJ^_GLSOAQV@BV7[T@@QW%		E[YQRH@Q	V7@QQBEDF
	UC[PTL\C@SS3ZIEYUVO	AYUA@QPTJW^VMCCG_RV^CNSSO[ _]ZY[RJ_QUQNYVOA3ZN[YA
	1A^@@ABZQ3	PAC_B]]@ZNXBFESCXJ(HNI]@SB	XIERQ	CNVELQVSUNER_YPOC_IGKOJ^YELSOAQV@BT7UNXQW; 	^UCSOA
	1A_@@C_IAXWEZ]GIOA
=L\NXNBBGOJT@U_QVANLC	PXICG\RV^CISOAQVBBU7\_PXIIT2KAYSUN
A8IQI[QRV^NMPWSI@Q	V7BQQBEDF	 UCRPQUNER]@@TAVRTVO RAYAXC\ANL\JW^VQA4 @GJ^O

< ^SX^E
,H[F@]\NAC^JTCR^KJ
4E
UXWE]][[ QV@Q]E @QQ_V^NMIOA 	@@TRY]\NXIA	DFH2A_\UCA
=L_NXJ_QW%		D[YSO[LUP[ZQJC_IT2HAYVH]_NPJW]QJ_QPWXW@@NKNI\]@T]@@KBSCXJOJ^[[Q<RJ]QV
@S=
QNXHX
	<		@NKRB	XIARGMXTVO

< ]SX[VDO IBGYHX JAYSUNER]@@TBVR\HT@\@UAYK_NC=_QJW@R+
BNVGUA	.E[OVRVQFJ^I]I[ZGIOA
=L\NXOBBGOJ]_AUA_SX^E AQQ_V]NMA[WSI@Q@TDO^=K@DIV3 Q[VC@SS3XIDDF
	UCPRPO]C\]@S=
 QN]UKAR 	AYH_D@SY^NXJ_QPVXW@@NHNITHW^KJ@@AGA+YWNOJN 3\]XANE, ^RV\[[QVBR\RX]@@R+
ANVBHROA		@TT\ANQNXHX KAYSUNERUZPJC_IXVRVAR^3FJVAYN
A8HQI[Q3	PAC\_NPJW_ROJC[_V3 R[VF]@NLY @@B@^Q	CNVGUA^SX^E BQQ	DGXTVONMKOAK3B_I@TNE
,HZF@]\N	 &
QLWDOI@E_PM]@@N 3_]]\]NXTVRUIU\NP[VC@SY_NXJ_QPUXWI\ZGIOA
NI^NL8Y^U@@QW%		E[YSO[	
j	QXICGOJ_^FJQSSUN
A8KQI^ BXJ NMHPZO[ ]]XANQNXHX HAYZH[C\]@QER_NX@,YDVRX
	<		ANKRB	,AGJ^JAR AYO_F^IR^E
,HYF@YA]@UNI^AUB	IQI[Q	BNVGUA]SX_V[]\NXI@	DFK2B]TUCA
=L_NXHBBG/PAYJ]B@SBOVTC@B[CXJ(HNI]@SB	XIAZ	_V_NMHZT[I\_N@ZOVSCDK[_V]NMHZT[I\_NLVANS%ABRIJ(KNI^@SB	,AGJ^I\A@N[VEUIQXWDO	nKOJ]]FUA	NKP_KJ@IBMQWJ]\NQ[VBUHQ^KJBIBMQWJ]\N[YRUNB3CSZ]O	nHOJ^]FUA	.E[OVQKB_IAXWF[^GNSSO[	
j	SXIBZ _VNVEHWOAQLVQ\TRJ_QPVXWAU]OISOASLVQ\TRJ_QUQNYVOA3^FLAY[	
j	PXIAZ _V3 P[V@]@NLE@@ED\@DXHX
	<		BNKS_KJ	QQBADF	D[YRZJ_C\]@T^@@BJXCDDF	F[YRZJ_C\]@QER\NXB,Y EVRX
	<		ANKP_KJ
4E
WXWC]][[QVGZ\ ^X]@@R+
ANVFHROA		@TV^ANQNY]NU@\@U^QV@[ZWXAN QNY]NU@\@UAYH_N@=\PJW@R+
BNVEHROA
	1A_@@@BZQRVZON[WSI@Q	V7BQQ BEDF	 UCQRTUNER\UTICCG_RV]NOPSSUNER\UTICCGJ^K\N](KRSACQ	V7AQQBEDF	&_QVBS_EQI]BD]TJAR	
 <	@@TVYANIFYTVO PAYHTFTARB	HQIZ	FLXTVO RAYHTFTARBOVS_QZnAEYF@R	
 <	C@TVYANE, ^RV_FHOASXX Q[\\RVQW; 	]UCRRRUN	]Z\]NXDGJ^KUG_\GUA^SX_P[]\NXDEJ^KUG_\GUA
[VB]@_jUY_NXQW; 	^UCQRRUN
A8IQIX BXJNMOURVO\C@SS3ZIEYUVO	AYQH^_N@[OVSBKK[_V^NMH[[[I\_N@YOVSBKK[_V XWA@UH<QRJNISS3YIFYUVO

< _SX]VDOIEB^\H]@@N 3_]Y\]NXTVRVK^\NP[VBUAQ^KJAIBMXWJ]\NR[VBUAQ^KJ@@BGA+_TXWN	 &
PLWDO	nIOJ\@U	NITFT^WDO	nKOJY]FUA	NKU^E @QQ_V^NMIOA 	@@TRP]\NXIA	DFH2G]NMA	.EZOVRVQW; 	_UCSOA		@T^PU\RVQW; 	]UCVRRUN	]_\@@T@VRTVO QAYI@QPVJW^TNFCGJ^H\N^(NQAYN
A8HQI[Q3	PAC\_NPJWUPKEC[Q3	RACYB]]@PNXMA_IGIOJ\@U^QVANLC	SXIA\ CDDF	RV^
UAQ<N_QV
@S=
QNXHX
	<		@NKRB	XIJ_GDXHX
	<		BNKW_KJ	QQ@XJ	_UCSOAPLWDOZIF_SO]\N[YQUNA3FVLJ
4E
VXW@@N 3]]XANIM^SH]@@N 3_]]\]NXTVRSNARPAC\_N@ZOVRVQ
]YF@_HX\GUA
[VA]@\jP]OVXT 7^NMIOA
=L^NXJ_Q^F@THUUGIOA
=L\NXOBBGOJ[Y[[	@NKRB	HQI[Q	ANVE@SVSUNSX\HKJ_3ULQI/QAYI@Q	V7@QQ_VNVFIRQTI\_NP2
BIFEYHX	[YTUUNER]@@TAVRTVO RAYKUD\ANL\JW^VQA4DVRX
	<		ANKRB	,AGJ^JAR AYH\@YDR^E
,HYF@XA]@UNI[FNLC	QXICG_RV\[[	BNKQ^RXANQIYL_VZ;MURVU,ER]@@R+
CNVGUA	NKS^ _[]\NXT 7]NMLRRO[ LPPANQNXHX KAYSUNER^]RJC_IXVRVAR^3@@AY[	
j	PXICG/PAYI@QGER\\ZKCC[Q3	RACYB]]@PNXMJ_IGIOJ\@U^QVANLC	SXI@ZFDDF	RV^
UAP<H\GNKLP%
TAVRTVO

< _SX^EQIZADZTJAR	
 <	@@TVYANIEXPVO PAYI@QPUJW\NXDEJ^OYH\\[[
AC_@SQ1W]OVXT 7^NMIOA
=L^NXJ_Q^F@\IYYDISOA
	1A]@@GBZQRV]GLOA 	B@TKJAICXJ	]UCVV[I\_NLTANQ%BCYIJ(KNI\]@S=
QNXHX	[YR[L\A\ANLP%
TBVRPK\\N AC]C^]@T_@@C_IGHOJ\@U]QVDPVWDOXI@QG7UJ^RVU,ER]@@R+
CNVGUA	NKSVRZ]\NXT 7]NMMRRO[ LVX^@@T@VRTVO QAYI@QPVJWYQBCCGJ^I\N_(HSSACQ	V7AQQ_V3 P[VC@SBOVSMFA[CXJ(HNIX@SB	XIB[_V_NMIOA 	C@TKJBIFDPTJARUCPO[_,]ASLJ
4E
VXW@@N 3]]XANIEPUO\@\@U,ERY]SVQGJ^K]A@NJNI\]@T^@@C_IGKOJY]OISOAQVBBT7_X[XIIT2KAYSUN
A8IQI[QRVT@ISVSI@Q	V7BQQBEDF	 UCQWZUNER]@@TAVRTVO RAYKXK_ARBOVQ_QXnA@PF@R	
 <	C@TKJ
4E
WXW@@N[VKZES^WDO	nKOJX]FUA	NKPZKJ@ICXJ	^UCSOASLU\[ZRJ_QUQN[VOC3^CHAY[	
j	PXICG/PAYI@QGERU^PNCC[Q3	RACXB]]@PNXHGBG^RV\[[	ANKRB	KQIYGCXTVONMJOAJ3AXA@TNE
,HZF@]\N	 &
QLWDOIKE^PN]@@N 3_]\\]NXTVRVN]\NP[VC@SY_NXJ_QPUXWB__GISOAQVBBT7_XQXIIT2KAYSUN
A8IQI[QRVTDMPRSI@Q	V7BQQBEDF	 UCQWPUNER]@@TAVRTVO RAYK_K]ARBOVQ_QXnA@ZF@R	
 <	C@TKJ
4E
WXW@@N[VK^IQXWDO	nKOJX]FUA	NKPZKJ@ICXJ	^UCSOASLU[[XRJ_QUQN[VOC3^CLAY[	
j	PXICG/PAYI@QGERUXTH@C[Q3	RACXB]]@PNXHGFG^RV\[[	ANKRB	KQIYBAXTVONMJOAJ3AXE@TNE
,HZF@]\N	 &
QLWDOIK@XVM]@@N 3_]\\]NXTVRVNY\NP[VC@SY_NXJ_QPUXWB_UOISOAQVBBT7_XUXIIT2KAYSUN
A8IQI[QRVTBARWSI@Q	V7BQQBEDF	 UCQWTUNER]@@TAVRTVO RAYKXGUARBOVQ_QXnA@^F@R	
 <	C@TKJ
4E
WXW@@N[VKYCSVWDO	nKOJX]FUA	NKPZKJ@ICXJ	^UCSOASLU\^^RJ_QUQN[VOA3]DHAY[	
j	PXIAZ _V3 P[V@]@NLE@@AJ[JDXHX
	<		BNKS_KJ	QQ @EDF	D[Y[Q@\C@SY_NXBAJ[_V]NMAQZSI@Q@TDO]=K@CIV3 Q[VA]@NLP%
T@VRWK\\NAC^KZGQ^KJ
4E
UXWA]][[ QV@Q^E @QQ	BLXTVO QAYA]K\ANLC	SXIKZ	CDDF	RV]
UAR<H_@NKLP%
TAVRVK\\N	 &
QLTY\@@
CQNZ]B_@\\[[3PVJW]SK_QTF@\C_@U_QVIW_WDOYIL]UJ]\NR[VKY@R^E	NXK_I ,E[VXWN	 &
PLUY\@@R+
CNVDHROA		@T^\^XRJ_QW%		F[YRRH@Q YER\_PVQ
][F@UD\\GUA^SXVWX]@@TBVR\N]@\@UAYH_N@=_RJW@R+
BNVEHROA
	1A_@@@BZQRV_GLZSSI@Q	V7BQQ BEDF	 UCRPVUNERU[QJC_IGHOJT[DISOASL__^\RVQIEHX\/]_C[YA
	1A^@@ABZQ3	PAC_B]]@ZNXICA[CDDF	&]QV@S_EQIZGXJ	_UC[UQI\_N@ZOVZLAC[Q	ANVOOQSSUNSX_HKJ\3SIDQQJQ3	QAC^B]]@S=
QN[UKAR AYJ]@Z@R^E
,HYF@\A]@UNI]BUB	IQISFDXHX KAY[@YC\]@T]@@KJ^CXJOJ][[R<RJZQV
@S=
QNZUKAR	
 <	B@TVYANIGX]M[@\@U,ER\]SVQGJ^K^F@NJNITIV^KJAIKL\TJARRACTKXARBOVS_QZnBGQF@R	
 <	C@TVYANE, ^RV_FHOASX]V[_\RVQW; 	]UCRRRUN	]Y^UNXDGJ^C\G\\[[	ANK[_WXAN QNQUM]@@NAYR@Q].S]ERNE, _RV^FHOA
=L^NXIBBGOJ_]@MTSSUN
A8KQIZ BXJ NMHP[O[ ]]Q]ZRJ_QPVXWI\ZGIOA 	@@TW^]\NXIB	DFH2AT[UCA
=L_NXJ_QW%		D[YSO[LR[Y[PJC_IT2HAYVH]_NPJW]ZM_QPWXW@@NKNI\]@T]@@BFYCDDF	RV^
UAQ<HTENKLP%
TAVRTVO

< _SX^EQI^JLYTJAR	
 <	@@T VYANIEPRVO PAYI@QPUJW\NXDEJ^KXA^\GUA
[VA]@\jVPXNXQW; 	^UCSOA
	1A_@@C_IAXWE^XNISSO[	
j	SXIFZ _VNVFAVOAQLWDOYIDDF	F[YRW@TC\]@QER_NXA,Z	GVRX
	<		ANKRB	,AGJ^JAR AYL^C\AR^E
,HYF@XA]@UNI]IVB	IQI[Q	BNVGUA]SX__\]\NXIA	DFH2AT_UCA
=L_NXJ_QW%		D[YSO[LRYX\[JC_IT2HAYVH]_NPJW]ZI_QPWXW@@NKNI\]@T]@@BG\CDDF	RV^
UAQ<HTANKLP%
TAVRTVO

< _SX^EQI^ CEQTJAR	
 <	@@T VYANIEPVVO PAYI@QPUJW\NXDEJ^KYEZ\GUA
[VA]@\jVP\NXQW; 	^UCSOA
	1A_@@C_IAXWE\YEASSO[	
j	SXIFZ _VNVFAROAQLWDOYIDDF	F[YRWM^C\]@QER_NXA,Z	CVRX
	<		ANKRB	,AGJ^JAR AYL\C_IR^E
,HYF@XA]@UNI]IRB	IQI[Q	BNVGUA]SX_UP]\NXIA	DFH2B^ZUCA
=L_NXJ_QW%		D[YSO[LP[ZZRJC_IT2HAYVH]_NPJW^PL_QPWXW@@NKNI\]@T]@@AB[CDDF	RV^
UAQ<K^DNKLP%
TAVRTVO

< _SX^EQI\@FYTJAR	
 <	@@T VYANIFZSVO PAYI@QPUJW\NXDEJ^H\B]\GUA
[VA]@\jUZYNXQW; 	^UCSOA
	1A_@@C_IAXWG^ZD@SSO[	
j	SXIFZ _VNVEKWOAQLWDOYIDDF	F[YQSN_C\]@QER_NXA,YFVRX
	<		ANKRB	,AGJ^JAR AYN_BUHR^E
,HYF@XA]@UNI^CWB	IQI[Q	BNVGUA]SX\_Q]\NXIA	DFH2B^^UCA
=L_NXJ_QW%		D[YSO[LPYX]UJC_IT2HAYVH]_NPJW^PH_QPWXW@@NKNI\]@T]@@AC_ CDDF	RV^
UAQ<K^@NKLP%
TAVRTVO

< _SX^EQI\CCPTJAR	
 <	@@T VYANIFZWVO PAYI@QPUJW\NXDEJ^H]E[\GUA
[VA]@\jVPTNXQW; 	^UCSOA
	1A_@@C_IAXWEXXBJSSO[	
j	SXIFZ _VNVFAZOAQLWDOYIDDF	F[YRVLXC\]@QER_NXA,Z	KVRX
	<		ANKRB	,AGJ^JAR AYL_JZCR^E
,HYF@XA]@UNI]IZB	IQI[Q	BNVGUA]SX_ SX]\NXIA	DFH2B\UUCA
=L_NXJ_QW%		D[YSO[LQ\X[[JC_IT2HAYVH]_NPJW^RC_QPWXW@@NKNI\]@T]@@BK_CDDF	RV^
UAP<L]QV
@S=
QNXHX
	<		@NKRB	XIF_ GDXHX
	<		BNKV_KJ	QQBXJ	_UCSOAPLWDOZIE^VO]\N[YPUN@3DRLJ
4E
VXW@@N 3]]XANIAZQL]@@N 3_]\\]NXTVRQJARPAC\_N@ZOVRVQ
]YF@\ET\GUA
[V@]@]jR[OVXT 7^NMIOA
=L^NXJ_Q^F@XG_\GIOA
=L\NXNBBGOJY_[[	@NKRB	HQI[Q	ANVFNRVSUNSX]HKJ^3WHQI/QAYI@Q	V7@QQ_VNVBLTQSI@Q	V7BQQBEDF	 UCVQO[ ]]XANQNXHX HAYRO[C\]@QER^NX@,^QNF	&^QVANLP%
T@VRTVO AYUIXF\ANLP%
TBVRPK\\N ACYF@SY^NXJ_QPVXW@@NHNI]IR[KJ@@@G@+]PXWN	 &
PLWDO	nIOJ\@U	NIYIZYWDO	nKOJX]FUA	NKWZE @QQ_V^NMIOA 	@@TP^]\NXI@	DFI2E[NMA	.EZOVRVQW; 	_UCSOA		@TT^]\RVQW; 	]UCWRRUN	]]Z@@T@VRTVO QAYI@QPVJW]ZCFCGJ^I\N_(LUAYN
A8HQI[Q3	PAC\_NPJWZPJ@C[Q3	RACXB]]@PNXOE_IGIOJ\@U^QVANLC	SXIBSCDDF	RV_
UAP<LUQV
@S=
QNXHX
	<		@NKRB	XIE]EDXHX
	<		BNKV_KJ	QQJXJ	_UCSOAPLWDOZIEQ\O]\N[YPUN@3DZLJ
4E
VXW@@N 3]]XANIB]UB]@@N 3_]\\]NXTVRQBARPAC\_N@ZOVRVQ
]YF@\IX\GUA
[V@]@\jUQ^NXQW; 	^UCSOA
	1A_@@C_IAXWA]XO@TSSUN
A8KQI^ BXJ NMKZPO[ ]]XANQNXHX HAYPK[J\ANL\JW^VQA4JFJ^O

< ^SX^E
,H[F@]\NAC]BXCQ\WDO	nKOJY]FUA	NKPWKJ@ICXJ	^UCSOASLTZ[\RJ_QUQNZVOB3^NHAY[	
j	PXICG/PAYI@QGER\]QOEE[_V3 R[VF]@NLY @@AJZQ	CNVGUA^SX^E BQQA@YTJARUCQO[^,^HRLJ
4E
VXW@@N 3]]XANIEYVC]@\\[[3PVJWYSK_QTF@_I\@U_QVANLC	PXICG\RV_EKQSSUNSX\HKJ_3PCDQQJQ3	QAC\_NP2
@ICXJNMHRTVO]C\]@S=
 QN]UKAR 	AYKUD@SY^NXJ_QPVXW@@NHNI_BW[WDOXIAQF7VC[RVU,ER]@@R+
CNVGUA	NKS__QX\RVQW; 	]UCVRRUN	]ZTZNXDGJ^JARQAC\_N@YOVQI@E[_V XWB@UK<QZLNISS3YIDDF	&_QVANLE@@BB]AMXTVO

< ]SX[VDO IAM]HX JAYSUNER]@@TBVRWI\G\\[[
AC^@SP1^\OVXT 7^NMIOA
=L^NXJ_Q^F@\AYYAJSSO[	
j	SXIFZ _VNVE@WOAQLWDOYIDDF	F[YPQ@TC\]@QER_NXA,YJVRX
	<		ANKRB	,AGJ^JAR AYH]KTHP^KJ
4E
UXWE]][[ QVC[WE @QQ_V^NMIOA 	@@TTQ^\RVQIFHX_/^UO[YA
	1A^@@C_IT2JAYSUN]Y\TPHEC[Q3	RACYB]]@PNXHJKG^RV\[[	ANKRB	KQIXD@XTVONMKOAJ3BUA@TNE
,HZF@]\N	 &
QLWDOIF@QPI]@@N 3_]\\]NXTVRUC]\NP[VC@SY_NXJ_QPUXWAYZOISOAQVBBT7_X@@QW%		E[YSO[	
j	QXICGOJ]UNASSO[	
j	SXIGZ _VNVEMOA 	B@TKJAICXJ	]UCUVSI@Q@TDO_=HFQQJQ3	QAC\_NP2
@ICXJNMKRSPI\_NP2
BIGEYHX	[YQVUNER]@@TAVRTVO RAYOTC\]@QER^NX@,YQNF	&^QVANLP%
T@VRTVO AYQK\K\ANLP%
TBVRPK\\N AC^E@SY^NXJ_QPVXW@@NHNI[@R^E	NXI_I,F_F@R	
 <	C@TKJ
4E
WXW@@N[VA_@Q^KJ
4E
UXWD]][[ QVCUB	IQI[Q	BNVGUA]SXYWXANQIXL_V[;H]RVU,ER]@@R+
CNVGUA	NKS[PX]@@R+
ANVCHROA		@TWDOXIDDF	E[YSO[ _]]^\RVQIGHX^/^]UCA
=L_NXJ_QW%		D[YSO[LV^U^RJ_QW%		F[YWRH@Q YER_]NXDGJ^JARQAC\_N@YOVWLCCGJ^I\N_(KQAYN
A8HQI[Q3	PAC\_NPJW]UBKC[Q3	RACXB]]@PNXHA_IGIOJ\@U^QVANLC	SXIFRCXJOJ_[[P<QJNISS3YIDDF	&_QVANLE@@BKRCDDF	&]QVES_EQIY_V_NMIOA 	C@TKJBIEFXTVONMJOAJ3ATSX	,AFJ^JAR	
 <	B@TKJQQGEPTJAR	
 <	@@TVYANIFPHX JAYSUNER]@@TBVRSM]@@NAYP@Q_.PW]O	nHOJ\@U,ER]@@
CQNZQH^@\@U,ERY]SVQGJ^HT\NP[VC@SY_NXJ_QPUXWH\\GUA
[V@]@\jU_\NXQW; 	^UCSOA
	1A_@@C_IAXWA\\BJRSSUN
A8KQI^ BXJ NMKTRO[ ]]XANQNXHX HAYQAZJ\ANL\JW^VQA4ALJ^O

< ^SX^E
,H[F@]\NAC[GTIS^KJ
4E
UXWE]][[ QVCPVE @QQ_V^NMIOA 	@@TV[Z\RVQIFHX_/^[G[YA
	1A^@@C_IT2JAYSUN]QTURJCCG/RAYL]B@SCOVPMC_IGIOJ\@U^QVANLC	SXIASBDXHXNVEOAQ&^AUSX	,AFJ^JAR	
 <	B@TKJQQF@\VJ]\N	 &
SLRY\@@]QNZVCARPAC\_N@ZOVRVQ
]YF@_AY_GIOA
NI^NL8YUZ@@QW%		E[YSO[	
j	QXICGOJY^NARSSUN
A8KQI_ BXJ NMH[UO[ ]]XANQNXHX HAYRL]A\ANL\JW_VQA4JVRX
	<		ANKRB	,AGJ^JAR AYKYA_ARB	,AEJ^O\A@N[VAU]@T_@@C_IGHOJ\@U]QVIR^KJ@@AGA+Z\XWN	 &
PLWDO	nIOJ\@U	NI^ESVWDO	nKOJY]FUA	NKPVE @QQ_V^NMIOA 	@@TPX]@@QQXJV%_GNV[3PUJW\NXT 7_NMIOASX\V[]\NXT 7]NMLRRO[ LU_ANQNXHX KAYSUNERZXRJ_QUQNZVOB3^A[YA
	1A^@@C_IT2JAYSUN]Z_\ZJC_IT2HAYVH]_NPJW^TVQ
][F@]\NQ[VC@SY\NXMBC[QF@_@NE&QVACQ	V7AQQ_V3 P[VC@SBOVPKC@[_V3 R[VF]@NLY @@AFG^RV\[[	ANKRB	KQI]	CDDF	RV^
UAQ<KXQV
@S=
QNXHX
	<		@NKRB	XIBRKDXHX
	<		BNKW_KJ	QQGXJ	_UCSOAPLWDOZIB]TJARUCQO[^,^B@TNE
,HZF@]\N	 &
QLWDOIBLQWJ]\N	 &
SLRY\@@]QNZWVO PAYI@QPUJW\NXDEJ^L_@\@UAYK_NC=\ERNE, _RV\[[3PTJW\NXTVRUMUH\\[[3PVJWYSK_QTF@_B@NJNI\]@T^@@C_IGKOJYUGIOA
NI^NL8Z\NXQW; 	^UCSOA
	1A_@@C_IAXWAZTEISOA
	1A]@@FBZQRV^FUA_SX^E AQQ_V]NMLUSSUNSX\HKJ_3PJQI/QAYI@Q	V7@QQ_VNVFLTTSI@Q	V7BQQBEDF	 UCQSO[ ]]XANQNXHX HAYVJ\C@S
]Z@@K,A^QNF	&^QVCS_E
,H[F@^A]@U	NITFT^WXANE, \RV]FHOA SX\ WDOXIF]TJ]@@NKNI^DR^WDOZIF]TJ]@@NAYR@Q].P[ERNE, _RV^FHOA
=L^NXIBBGOJTTF@TSSUN
A8KQIZ BXJ NMKVRO[ ]]ZX]UJC_IGHOJ^YFNSSO[ _]ZX]UJC_IXVRUAR]3ELQAYN
A8HQIY BXJ(JNI_@SB	XIKSJFXTVO

< ]SX_VDO IAAZHX JAYQL_G\ANLC	PXIA^GDXHX HAYQL_G\ANL\JW]VQB4FGJ^O

< ^SX\VDO	nIOJ_]FUA	NKZW_P]\NXT 7]NMHRRO[ LU]^@@T@VRVOXA\\[[	ANKP[ VX]@@TBVRVOXA\\[[
AC]@SS1R\OVXT 7^NMKRRO[	
j	QXI@Z _VNVO@Z[WI\_NP2
BIBEYHX	[YQVM@QPTJW^WLKC[Q	BNVELU[SI@QPVJW^WLKC[QF@\@NF&QVV[VNP2
AIAEYHX
	<		@NKQ_KJQQCA_]J]\N	 &
SLVY\@@]QNZQOARPAC^FTDR^E AQQFL]TJARRAC^FTDR^E	NXK_I ,F]RXWN	 &
PLUY\@@R+
CNVDHROA		@TVYZYRJ_QW%		F[YRRH@Q YER_YTVQ
][F@_F\^GIOA 	C@TQX_\RVQ
]YF@_F\^GIOA
NI]NL8ZX[@@QW%		E[YQRH@Q	V7@QQBEDF
	UCZRTN]C\]@S=
 QNYUKAR 	AYKYD@SY^NXHEBRCXJ	^UCQUR@\C@SY\NXHEBRCXJOJ][[R<QLTQV
@S=
QNZUKAR	
 <	B@TVYANIMZWL[@\@U,ER\]SVQGJ^HXH@NJNI^GQXWDOYIF^WL]@@NHNI^GQXWDOXIBQE7VOTRVU,ER_]SVQW; 	_UCPRRUN]Q_UTHCCG/RAYH]B@SCOVPOJ_IGIOJ^ZBJSSO[ \]Z[YQJC_IGKOJ^ZBJSSO[NKSEZ2^PKQI/QAYI@Q	V7@QQ_VNV@IZVTI\_NP2
BIFEYHX	[YQQH@QPTJW\NXDFJ^JARRAC^C^DR^E	NXH_I,EPWXWN	 &
PLWDO	nIOJ\@U	NIY@W^WXANE, \RVXFHOA SX_TDOXIDDF	E[YSO[ _]YY[RJC_IXVRWAR]3NJAY[	
j	PXIAZ _V3 P[V@]@NLE@@BF[KDXHX
	<		BNKS_KJ	QQ@XJ	_UCWP[I\_N@ZOVVIKC[Q	ANVCJ[SSUNSX_HKJ\3[HQI/QAYK]B@SS3XIGYUVO AYRM[B[ARB	,AEJ^K\A@N[VJ^]@T_@@GASCXJ	^UCWQ[I\_N@YOVVHKC[QF@\@NF&ZRACQ	V7AQQBEDF	&_QVBS_EQIZ@B_TJAR	
 <	@@TVYANIMYHX JAYWHTC\]@T^@@GBSCXJ	]UCWR[I\_NLVANS%JCIV3 Q[VA]@NLP%
T@VRWK\\NAC]G\@T^KJ
4E
UXWA]][[ QVHRB	IQI_KDXHX KAYWITC\]@T]@@GCSCXJOJ][[R<ZNNISS3YIFYUVO

< _SX]VDOIBB\RC]@@N 3_]Y\]NXTVR]MARPACXDTARB	HQI_KDXHX HAYWNTC\]@QER\NXB,RQNF	&^QVCS_E
,H[F@^A]@U	NI]GS_WXANE, \RV]FHOA SXWKJ@IGBPTJARQACXETARB	KQI_KDXHXNVFOAR&UFNKLP%
TAVRVK\\N	 &
QLTY\@@
CQNYQM[H\\[[3PVJW]SK_QTF@TE@NJNIXDZ^KJAIGAPTJARRACXFTARBOVS_QZnJ@J^O

< ^SX\VDO	nIOJ_]FUA	NKS[VP]\NXT 7]NMHRRO[ L^\ANQN\PB]@@NKNIXEZ^KJBIG@PTJARUCRO[],UH@TNE
,HZF@_A]@U,ER^]SVQFJ^KZA[\GIOA
=L\NXKBBGOJUU[[	@NKVWWXANQN\]B]@@NHNIXHZ^KJ@@BGB+Q\XWN	 &
PLUY\@@R+
CNVDHROA		@TQP_\RJ_QW%		F[YRRH@Q YERTTNXDGJ^NUH\\[[	ANKVVWXAN QN\\B]@@NAYR@Q^.P[ERNE, _RV\[[3PTJW\NXTVR\BZI^\GUA	.EYOVWKB_I]XWBY^[[	@NKRB	HQI[Q	ANVELPWSI@Q@TDO_=KKDIV3 Q[VC@SS3XIDDF
	UCVPWN^C\]@S=
 QN\UKAR 	AYHTD@SY^NXJ_QPVXW@@NHNI]DPXWDOXI@QG7VJTRVU,ER]@@R+
CNVGUA	NKTZ PQ]\NXT 7]NMMRRO[ LUXT@@T@VRTVO QAYI@QPVJW]ZN@C[QF@^@NE&ZQACQ	V7AQQ_V3 P[VC@SBOVSNDB\CXJ(HNIY@SB	XIJYQ	CNVGUA^SX^E BQQALXTVONMKOAK3J_SX	,AFJ^JAR	
 <	B@TKJQQ FD^\J]\N	 &
SLRY\@@]QNQWVO PAYI@QPUJW\NXDEJ^N^H\\[[
AC^@SP1WJW@R+
BNVGUA	.E[OVRVQFJ^KY@]ZGIOA
=L\NXOBBGOJU\[[	@NKRB	HQI[Q	ANVCI[SSUNSX\HKJ_3[KQI/QAYI@Q	V7@QQ_VNVFMPUTI\_NP2
BIFEYHX	[YZRUNER]@@TAVRTVO RAYM]K\ANL\JW^VQA4EVRX
	<		ANKRB	,AGJ^JAR AYHZB]HR^E
,HYF@XA]@UNIUGNLC	QXICG_RV\[[	BNKVXWXANQIYL_VZ;CZRVU,ER]@@R+
CNVGUA	NKSXQQ]\NXT 7]NMLRRO[ L^_ANQNXHX KAYSUNERY[ZJC_IXVRVAR^3NMAY[	
j	PXICG/PAYI@QGER\YVKKC[Q3	RACYB]]@PNXCG_IGIOJ\@U^QVANLC	SXIG_	CDDF	RV^
UAQ<@YQV
@S=
QNXHX
	<		@NKRB	XIB^ELXTVO

< ]SX[VDO IJADF	D[YSO[ \]XAN QN\QB]@@NAYQ@Q^.[V]O	nHOJ\@U,ER]@@
CQNYRB_@\\[[3PVJWYSK_QTF@TH@NJNI\]@T^@@C_IGKOJXTOISOAQVCBU7TU@@QW%		E[YSO[	
j	QXICGOJ][FNSSSUN
A8KQI^ BXJ NM@ZOAQLWDOYIDDF	F[YWZA\C@S
]Z@@K,AYQNF	&^QVCS_E
,H[F@^A]@U	NI[BSWWXANE, \RV]FHOA SX\RDOXIFX\C]@@NKNI^AZWWDOZIFX\C]@@NAYR@Q].P\ERNE, _RV^FHOA
=L^NXIBBGOJ[^AJZSSUN
A8KQIZ BXJ NMKQWO[ ]]Z][QJC_IGHOJ^\@JSSO[ _]Z][QJC_IXVRUAR]3EKTAYN
A8HQIY BXJ(JNI_@SB	XID_AEXTVO

< ]SX_VDO IAF_HX JAYQH^B\ANLC	PXIAZBDXHX HAYQH^B\ANL\JW]VQB4ABJ^O

< ^SX\VDO	nIOJ_]FUA	NKU]QX]\NXT 7]NMHRRO[ LUZ[@@T@VRVK]E\\[[	ANKP_RX]@@TBVRVK]E\\[[
AC]@SS1UYOVXT 7^NMKRRO[	
j	QXI@Z _VNV@IZVTI\_NP2
BIBEYHX	[YQQH@QPTJW^RHFC[Q	BNVEIQVSI@QPVJW^RHFC[QF@\@NF&QQS[VNP2
AIAEYHX
	<		@NKQ_KJQQCGQRJ]\N	 &
SLVY\@@]QNZVJARPAC^C\HR^E AQQCDQTJARRAC^C\HR^E	NXK_I ,FZWXWN	 &
PLUY\@@R+
CNVDHROA		@TUXZTRJ_QW%		F[YRRH@Q YER_^QVQ
][F@_@Y[GIOA 	C@TW]Z\RVQ
]YF@_@Y[GIOA
NI]NL8Z_^@@QW%		E[YQRH@Q	V7@QQBEDF
	UCTRVH[C\]@S=
 QNYUKAR 	AYK^A@SY^NXHCGZCXJ	^UCQSWH\C@SY\NXHCGZCXJOJ][[Q<RM_QV
@S=
QNXHX
	<		@NKRB	XI@XDMXTVO

< ]SX[VDO IB@[HX JAYSUNER]@@TBVR]LY@\@UAYK_NC=_UJW@R+
BNVGUA	.E[OVRVQFJ^I^CYUGIOA
=L\NXOBBGOJ]XEUA_SX^E AQQ_V]NM@VQSI@Q@TDO^=KGBIV3 Q[VC@SS3XIDDF
	UCPQZJTC\]@S=
 QN]UKAR 	AYHXB@SY^NXJ_QPVXW@@NHNIUER^KJ@@AGA+YPJOJN 3\]XANE, ^RV\[[QVBP[_X]@@R+
ANVBHROA		@TSXANQNXHX KAYSUNERT^ZJC_IXVRVAR]3EKZAYN
A8HQIY BXJ(JNI_@SB	XID^GFXTVO

< ]SX_VDO IAFQHX JAYQHY@\ANLC	PXIAZ@DXHX HAYQHY@\ANL\JW]VQB4ALJ^O

< ^SX\VDO	nIOJ_]FUA	NKUZ_Y]\NXT 7]NMHRRO[ LUZU@@T@VRVK^G\\[[	ANKP_PX]@@TBVRVK^G\\[[
AC]@SP1S]OVXT 7^NMIOA
=L^NXJ_Q^F@^DZ^GISOA
	1A]@@FBZQRV]CLOA 	B@TKJAICXJ	]UCZ[[I\_NLUANP%BG_IJ(KNI\]@S=
QNXHX	[YPWK\C\ANLP%
TBVRQK\\N AC]GX]@T_@@C_IGHOJ\@U]QVHUXWDOXIAQE7VLOJN 3\]Z\]NXT 7_NMJRRO[LUZ]TRJ_QW%		F[YRRH@Q YER_ZNXDGJ^M\@\@U^QVFS^KJBIDEXTVONMHOAH3A[SX	,AFJ^H\A@N 3]][\]NXTVRVI\C\\[[3PVJW]SK_QTF@_G@NJNI[ER^E AQQGDXHX HAYTM\C@S
]Y@@K,A_IJ(KNI^@SB	,AGJ^I\A@N[VBUHZ^KJ
4E
UXWA]][[ QVCVB	IQI]CDDF	E[YUVI\_N@YOVTOCCGJ^K\N](KVAYN
A8HQIY BXJ(JNI_@SB	XIAZ@DXHX
	<		BNKS_KJ	QQFXJ	_UCU[SI@QPUJWZZJC_IGKOJZTGIOA
NI]NL8Z_NXQW; 	^UCQRRUN
A8IQIX BXJNMHT[[I\_NP2
BIBEYHX	[YQQUNERXURJ_QPVXWEU\GUA]SX[WXANQIZL_VY;H^RVU,ER_]SVQW; 	_UCPRRUN]YUUQJC_IT2HAYRH]_NPJW^QVQ
][F@[B\\[[	ANKT\WDOZIBZTJARUCRO[],^A@TNE
,HZF@_A]@U,ER^]SVQFJ^KXG[\GUA	.EYOVSKB_I]XWB\@U_QVDQ^KJAIFGXTVO RAYL_C\]@QER\NXB,Y QNF	&^QVCS_E
,H[F@^A]@U	NI]GZ\WDO	nKOJ]]FUA	NKP_E @QQEDXHX KAYVO\C@SY\NXOEC[QF@\@NF&Q[ACQ	V7AQQBEDF	&_QVBS_EQIYBLXTVO

< ]SX_VDO IALDF	D[YTTI\_N@ZOVUMCCG\RV[@ISOAQV@BV7_U@@QW%		E[YQRH@Q	V7@QQBEDF
	UCQVQJ\C@SS3ZIEYUVO	AYQ@@QPTJWTRJC_IGHOJT\GIOA 	@@TWX]@@QQ XJW%_AZNMA	.EZOVRVQW; 	_UCSOA		@T_ZXURJ_QW%		F[YWRH@Q YER_]TVQ
][F@]\NQ[VC@SY\NXKJGSCXJOJ_[[P<QH[QV
@S=
QNXHX
	<		@NKRB	XIESK@XTVO

< ]SXZVDO IAE_HX JAYSUNER]@@TBVRUC[C\\[[
AC_@SQ1V\OVXT 7^NMIOA
=L^NXJ_Q^F@[G^\@ISOA
	1A]@@GBZQRV^FMOA 	B@TKJAICXJ	]UCRZRA\C@S
][@@I,AZQNF	&^QVANLP%
T@VRTVO AYUN[@_ARB	,AEJ^N\A@N[VA]DNLC	QXICG_RV\[[	BNKSWTX]@@QQXJW%_A^NMA	.EZOVRVQW; 	_UCSOA		@TQYXZRJ_QW%		F[YWRH@Q YER_]PVQ
][F@]\NQ[VC@SY\NXKKKSCXJOJ_[[P<QH_QV
@S=
QNXHX
	<		@NKRB	XIE]KFXTVO

< ]SXZVDO IAE[HX JAYSUNER]@@TBVRUC]C\\[[
AC_@SQ1VXOVXT 7^NMIOA
=L^NXJ_Q^F@[E]\BISOA
	1A]@@GBZQRV^FIOA 	B@TKJAICXJ	]UCR[VA\C@S
][@@I,AZ QNF	&^QVANLP%
T@VRTVO AYULZ@]ARB	,AEJ^N\A@N[VA]@NLC	QXICG_RV\[[	BNKSVTX]@@QQXJW%_ATNMA	.EZOVRVQW; 	_UCSOA		@T^[\\RJ_QW%		F[YWRH@Q YER_]ZVQ
][F@]\NQ[VC@SY\NXKJDSCXJOJ_[[P<QHUQV
@S=
QNXHX
	<		@NKRB	XIER	@BXTVO

< ]SXZVDO IAEQHX JAYSUNER]@@TBVRUCTC\\[[
AC_@SQ1_ZOVXT 7^NMIOA
=L^NXJ_Q^F@XA\]NISOA
	1A]@@GBZQRV]OKOA 	B@TKJAICXJ	]UCRWVO\C@S
][@@H,A_QNF	&^QVANLP%
T@VRTVO AY[HZGXARB	,AEJ^O\A@N[VAXANLC	QXICG_RV\[[	BNKP]WX]@@QQXJV%_D]NMA	.EZOVRVQW; 	_UCSOA		@TUZY\RJ_QW%		F[YVRH@Q YER_XSVQ
][F@]\NQ[VC@SY\NXH@G\CXJOJ^[[R<ROTQV
@S=
QNZUKAR	
 <	B@TVYANI@\QM\@\@U,ER\]SVQGJ^K[H@NJNI]CU\WDOYIEZSH]@@NHNI]CU\WDOXIBQE7ULTRVU,ER_]SVQW; 	_UCPRRUN]\X\PMCCG/RAYH]B@SCOVSLJ_IGIOJ]^OLSSO[ \]Y_TWJC_IGKOJ]^OLSSO[NKSEY2]TLQI/QAYK]B@SS3XIGYUVO AYWJZE\ARB	,AEJ^K\A@N[VBZGNLC	QXIBYEDXHX KAYRKXE\ANLC	SXIBYEDXHXNVFOAR&]E[SX	,AFJ^H\A@N 3]][\]NXTVRPN\AZ\GUA	.EYOVSKB_I]XWAZ[[[	@NKS\ ^X]@@TAVRUHXI\\[[	BNKS\ ^X]@@QQ XJU%\FXNMA	.EZOVPKB_IT2JAYPH]_NPJWXPMGJ[_V3 R[VB]@NLY @@BE_Q	CNVFKQSSI@QPUJW]PHCC[Q	ANVFKQSSI@Q@TDO]=KEFIV3 Q[VA]@NLP%
T@VRWK\\NACX@^AW^KJ
4E
UXWA]][[ QV@T[E @QQ AG[TJARQAC]A_BR^E BQQ AG[TJARUCRO[],]GPLJ
4E
VXWB]][[3PTJW_SK_Q^F@YAT_OISOA
	1A]@@BBZQRV]AKOA 	B@TVQY\RVQ
]ZF@\AUXGIOA 	@@TVQY\RVQIEHX\/]ZD[YA
	1A^@@ABZQ3	PAC_B]]@ZNXNAARCDDF	&]QV@S_EQIZ@XJ	_UCRQSN\C@SY_NXKAC\CXJ	]UCRQSN\C@S
]Y@@K,B]QNF	&^QVCS_E
,H[F@^A]@U	NIXA[\WXANE, \RV]FHOA SX_WDOXIEYRB]@@NKNI]@TVWDOZIEYRB]@@NAYR@Q].SXERNE, _RV^FHOA
=L^NXIBBGOJX]DAPSSUN
A8KQIZ BXJ NMHURO[ ]]Y\TSJC_IGHOJ]]OHSSO[ _]Y\TSJC_IXVRUAR_3@OAY[	
j	PXICG/PAYI@QGER\\SHDC[Q3	RACXB]]@PNXME_IGIOJ\@U^QVANLC	SXIARCDDF	RV_
UAP<KTJNKLP%
TAVRTVO

< _SX^EQIZ AF[PJ]\N	 &
SLSY\@@]QNZ\CARPAC\_N@ZOVRVQ
]YF@^B\_GIOA
NI_NL8ZUT@@QW%		E[YSO[	
j	QXICGOJ]]FLUZSI@Q	V7BQQBEDF	 UCQ[[UNER]@@TAVRTVO RAYJ]KXARBOVQ_QXnAL]F@R	
 <	C@TKJ
4E
WXW@@N[VB\HWYWXANE, \RVXFHOA SX\RDOXIDDF	E[YSO[ _][\^UJC_IXVRWAR_3EAWAYN
A8HQI[Q3	PAC\_NPJW]RBJC]CXJ(HNIX@SB	XIAS_V_NMIOA 	C@TKJBI@EX\J]\N[YPUN@3CZY]O	nHOJ\@U,ER]@@
CQNYUJT@_\GUA	.EYOVVKB_I]XWBT[[[	@NKRB	HQI[Q	ANVDHUVSI@Q@TDO_=HKEIV3 Q[VC@SS3XIDDF
	UCRRSK_D\ANLP%
TBVRPK\\N AC^KZ]@T_@@C_IGHOJ\@U]QVBSZWXANQIXL_V[;HUANV[3PUJW\NXT 7_NMIOASX_QQ]TRJ_QW%		F[YWRH@Q YER_TSVQ
][F@]\NQ[VC@SY\NXICFZCXJOJ_[[P<QA\QV
@S=
QNXHX
	<		@NKRB	XIB[A@ZTJAR	
 <	@@TVYANIFPTVO PAYI@QPUJW\NXDEJ^I]C^\GUA
[V@]@]jUP^NXQW; 	^UCSOA
	1A_@@C_IAXWA\TEMSSSUN
A8KQI_ BXJ NMK[PO[ ]]XANQNXHX HAYPITJ\ANL\JW_VQ@4KFJ^O

< ^SX^E
,H[F@]\NAC]C[DUZWDO	nKOJX]FUA	NKPVKJ@ICXJ	^UCSOASLTXZ\RJ_QUQN[VOC3]OIAY[	
j	PXICG/PAYI@QGERX\RIKC[Q3	RACXB]]@PNXKKCG^RV\[[	ANKRB	KQIZALXTVONMJOAJ3ETSX	,AFJ^JAR	
 <	B@TKJQQ	@C]TJAR	
 <	@@TVYANIBPHX JAYSUNER]@@TBVRVNZ@\@UAYJ_NB=XERNE, _RV\[[3PTJW\NXTVR\O[H\\[[3PVJWXSK_QTF@[I@NJNI\]@T^@@C_IGKOJ^YELSOAQVBBT7[\@@QW%		E[YSO[	
j	QXICGOJZTDJSSO[	
j	SXIGZ _VNVAIOA 	B@TKJAICXJ	]UCQSPI\_NLTANQ%EBIV3 Q[VC@SS3XIDDF
	UCTSQO\C@SS3ZI@YUVO	AYUH@QPTJW\NXDFJ^JARRAC^CTDRBOVQ_QXnEFJ^O

< ^SX^E
,H[F@]\NAC[A]HR^E
,HYF@YA]@UNIZCNLC	QXICG_RV\[[	BNKP_WXANQIXL_V[;L^RVU,ER]@@R+
CNVGUA	NKUZVX]@@R+
ANVCHROA		@TTDOXIDDF	E[YSO[ _]Z\UWJ_QUQN[VOC3ZC[YA
	1A^@@C_IT2JAYSUN]_[\VJC_IT2HAYWH]_NPJWZVVQ
][F@]\NQ[VC@SY\NXHAF[_V XWC@UJ<UV[VNP2
AICXJ(JNI\]@ZNXMDJ\CXJ(HNIX@SB	XIE^Q	CNVGUA^SX^E BQQ@D]TVONMJOAJ3EZSX	,AFJ^JAR	
 <	B@TKJQQJMXTJAR	
 <	@@TVYANIB^HX JAYSUNER]@@TBVRVI[@\@UAYJ_NB=XERNE, _RV\[[3PTJW\NXTVR\KUB\\[[3PVJWXSK_QTF@[G@NJNI\]@T^@@C_IGKOJ^XFLSOAQVBBT7\TSXIIT2KAYSUN
A8IQI[QRVYGLQ[SI@Q	V7BQQBEDF	 UCR[RUNER]@@TAVRTVO RAYHXG^ARBOVQ_QXnJAJ^O

< ^SX^E
,H[F@]\NAC]F[GZ^KJ
4E
UXWD]][[ QVHWB	IQI[Q	BNVGUA]SXZ _X]@@QQXJW%TDNV[3PUJW\NXT 7_NMIOASX_ SYU\RVQW; 	]UCWRRUN	]QY@@T@VRTVO QAYI@QPVJWXVBCCGJ^I\N_(@TAYN
A8HQI[Q3	PAC\_NPJW]TNEJ[_V3 R[VG]@NLY @@JDG^RV\[[	ANKRB	KQI_KDXHXNVDOAP&UENKLP%
TAVRTVO

< _SX^EQIZBEQTJAR	
 <	@@TVYANIM^HX JAYSUNER]@@TBVRPLU@\@UAYJ_NB=WERNE, _RV\[[3PTJW\NXTVRUN^F[\GUA	.EYOVVKB_I]XWI]@U_QVANLC	PXICG\RVXFASSO[NKQE[2URXIIT2KAYSUN
A8IQI[QRV]CIRUSI@Q	V7BQQBEDF	 UCZSO[ ]]XANQNXHX HAYWITC\]@QER^NX@,RQNF	&^QVANLP%
T@VRTVO AYRL\ETARB	,AEJ^N\A@N[VJ_]@T_@@C_IGHOJ\@U]QVEQVWDOXI@QG7]HOJN 3\]XANE, ^RV\[[QV@VYPX]@@R+
ANVCHROA		@TUDOXIDDF	E[YSO[ _]\_TRJ_QUQN[VOC3]BKAY[	
j	PXICG/PAYI@QGER^[WL@C[Q3	RACXB]]@PNXKFAG^RV\[[	ANKRB	KQIZDFXTVONMJOAJ3JUSX	,AFJ^JAR	
 <	B@TKJQQ DE_TJ]\N	 &
SLSY\@@]QNQ]VO PAYI@QPUJW\NXDEJ^NTH\\[[
AC_@SQ1_JW@R+
BNVGUA	.E[OVRVQFJ^K[H^\GIOA
=L\NXNBBGOJUT[[	@NKRB	HQI[Q	ANVCA[SSUNSX]HKJ\3PCGQQJQ3	QAC^B]]@S=
QN[UKAR AYH]FYGQ^KJ
4E
UXWA]][[ QVC[ZE @QQAMPTJARQAC_AUIR^E BQQAMPTJARUCRO[],^HWLJ
4E
VXWB]][[3PTJW_SK_Q^F@\AZ^E@SSO[	
j	SXIBZ _VNVE@VOAQLT[\[RJ_QPVXWC_]@ISOASLT[\[RJ_QUQNYVOA3^NOAY[	
j	PXIAZ _V3 P[V@]@NLE@@BB]	JAXTVO

< ]SX_VDO IAM^HX JAYPJ_E\ANLC	PXI@XEDXHX HAYPJ_E\ANL\JW]VQB4JCJ^O

< ^SX\VDO	nIOJ_]FUA	NKS_R^\\RVQW; 	]UCRRRUN	]ZT[NXDGJ^I^EY\GUA^SX]R]]\NXDEJ^I^EY\GUA
[VB]@_jUQ]NXQW; 	^UCQRRUN
A8IQIX BXJNMHRQZI\C\]@S=
 QNYUKAR 	AYKUC@SY^NXIAAYCXJ	^UCPQQK\C@SY\NXIAAYCXJOJ][[R<Q@]QV
@S=
QNZUKAR	
 <	B@TVYANIEYWO[F\\[[3PVJW]SK_QTF@_I]@U_QVBPZWXANQN[VN\@\@U]QVBPZWXANQIZL_VY;HTBNV[3PUJW^SK_QW%		D[YPRH@QGER\]VH@A[_V3 R[VB]@NLY @@AJYQ	CNVDKUSSI@QPUJW_PLCC[Q	ANVDKUSSI@Q@TDO]=HJ@IV3 Q[VA]@NLP%
T@VRWK\\NAC]BXI[YWDO	nKOJ]]FUA	NKPWKJ@I@F_]J]\NQ[V@^F[^KJBI@F_]J]\N[YRUNB3C[V]O	nHOJ^]FUA	.E[OVQKB_IAXWA]TEKUSSUN
A8KQIZ BXJ NMKZ[O[ ]][^[VJC_IGHOJ__@MSSO[ _][^[VJC_IXVRUAR]3E@ZAYN
A8HQIY BXJ(JNI_@SB	XIBZ	KMZTJAR	
 <	@@TVYANIFQ]VO PAYJ_J_ARB	HQIXJGXTVO RAYJ_J_ARBOVS_QXnKMJ^O

< ^SX^E
,H[F@]\NAC]@[@[^KJ
4E
UXWD]][[ QVI[B	IQI[Q	BNVGUA]SX]^]]@@QQXJW%\EYNMA	.EZOVRVQW; 	_UCSOA		@T_P_YRJ_QW%		F[YWRH@Q YER\YWVQ
][F@]\NQ[VC@SY\NXKBCSCXJOJ_[[P<[JNISS3YIDDF	&_QVANLE@@BBRADXHX
	<		BNKV_KJ	QQ	@XJ	_UCSOAPLWDOZIG\\O]\N[YPUNB3F[LJ
4E
VXWB]][[3PTJW_SK_Q^F@\@T]GISOA
	1A]@@BBZQRV[NUA_SX]Q]]@@TAVRWK[E\@U]QVBSX WDOXIBQE7SBOJN 3\]Z\]NXT 7_NMJRRO[LVXXTQJC_IT2HAYRH]_NPJW[ZVQ
][F@^A\\GUA^SX]WX]@@TBVRWK]@\@UAYH_N@=Y ERNE, _RV^FHOA
=L^NXIBBGOJUTN@SSO[	
j	SXIBZ _VNV@LOA 	B@T^XX\NXDFJ^HT@Y\[[	BNKPWRXANQIZL_VY;MYRVU,ER_]SVQW; 	_UCPRRUN]Q[[PJC_IT2HAYRH]_NPJW[VVQ
][F@_HX\GUA^SX\SX]@@TBVRVBY@\@UAYH_N@=YERNE, _RV^FHOA
=L^NXIBBGOJ]\DLVSSUN
A8KQIZ BXJ NMNTOAQLTX^YRVQ
]ZF@^@_YGUA]SX]T]]@@QQ XJU%ZFNV[3PUJW^SK_QW%		D[YPRH@QGER\\SHDC[Q3	RAC]B]]@PNXME_IGIOJ^U@ISOAPLUQZ\RVQ
]YF@_I[\GUA
[VB]@_jPYOVXT 7^NMKRRO[	
j	QXI@Z _VNVO@[[SI@Q	V7BQQ BEDF	 UCTRO[ ]]Z[XWJ_QPVXWBZXBIOA 	@@TQ\X\NXIB	DFK2G\NMA	.EZOVPKB_IT2JAYPH]_NPJWTULCC[Q3	RAC]B]]@PNXMC_IGIOJ^YOISOAPLU]U\RVQ
]YF@_ET\GUA
[VB]@_jP[OVXT 7^NMKRRO[	
j	QXI@Z _VNVNMWWSI@Q	V7BQQ BEDF	 UCTPO[ ]]ZZ[WJ_QPVXWB[[BIOA 	@@TP_X\NXIB	DFK2G^NMA	.EZOVPKB_IT2JAYPH]_NPJWUPKEC[Q3	RAC]B]]@PNXMA_IGIOJ^[FISOAPLU_\\RVQ
]YF@_G]\GUA
[VB]@]jVZZNXQW; 	^UCSOA
	1A_@@C_IAXWB[YGNSSO[	
j	SXIGZ _VNVFKTOAQLWDOYIDDF	F[YT[L\C@S
][@@H,B[QNF	&^QVANLP%
T@VRTVO AYQIUFXARB	,AEJ^O\A@N[VB\HNLC	QXICG_RV\[[	BNKWWWXANQIYL_VZ;K]HNV[3PUJW\NXT 7_NMIOASX\QXY\RVQW; 	]UCVRRUN	]Y]TNXDGJ^JARQAC\_N@YOVWBKC[QF@_@NE&RST[VNP2
AICXJ(JNI\]@ZNXHCA^CDDF	&]QVDS_EQIZDXJ	_UCSOAPLWDOZIA_\J]\N[YQUNA3@RX]O	nHOJ\@U,ER]@@
CQNY]C]C\\[[3PVJWYSK_QTF@\@Z@U_QVANLC	PXICG\RVYAASSO[NKPEZ2]ROQI/QAYI@Q	V7@QQ_VNVF@VVPI\_NP2
BIFEYHX	[YRSL@QPTJW\NXDFJ^JARRACYFTARBOVP_QYnBD\F@R	
 <	C@TKJ
4E
WXW@@N[VBUCR\WDO	nKOJY]FUA	NKS^KJ@ICXJ	^UCSOASLR\U\RVQIFHX_/]\D[YA
	1A^@@C_IT2JAYSUN]YUTWHCCG/RAYL]B@SCOVSJ@_IGIOJ\@U^QVANLC	SXIFX	CDDF	RV^
UAQ<H\ANKLP%
TAVRTVO

< _SX^EQIZ	FDZTJAR	
 <	@@T VYANIEXVVO PAYI@QPUJW\NXDEJ^O_H\\[[
AC^@SP1WYOVXT 7^NMIOA
=L^NXJ_Q^F@\H]YFISOA
	1A]@@FBZQRV]GHOA 	B@TKJAICXJ	]UCVR[I\_NLUANP%BC[IJ(KNI\]@S=
QNXHX	[YRTL^C\ANLP%
TBVRQK\\N AC]C\]@T_@@C_IGHOJ\@U]QVDRVWDOXIAQE7VLTRVU,ER_]SVQW; 	_UCPRRUN]QT^TCCCG/RAYH]B@SCOVPLJ_IGIOJ^TDJSSO[ \]ZU_QJC_IGKOJ^TDJSSO[NKSEY2^TBQI/QAYK]B@SS3XIGYUVO AYZAZ@UARB	,AEJ^K\A@N[VAZINLC	QXIAS FDXHX KAYQA]F\ANLC	SXIAS FDXHXNVFOAR&^E]SX	,AFJ^H\A@N 3]][\]NXTVR]N_BX\GUA	.EYOVSKB_I]XWBZ][[	@NKPX^X]@@TAVRVLUI\\[[	BNKPX^X]@@QQ XJU%_F\NMA	.EZOVPKB_IT2JAYPH]_NPJWUQOJ@[_V3 R[VB]@NLY @@AE[Q	CNVEOTRSI@QPUJW^TMBC[Q	ANVEOTRSI@Q@TDO]=HE@IV3 Q[VA]@NLP%
T@VRWK\\NACUFXIW^KJ
4E
UXWA]][[ QVCT]E @QQDF]TJARQAC^D^DR^E BQQDF]TJARUCRO[],^GPLJ
4E
VXWB]][[3PTJW_SK_Q^F@TDTYCISOA
	1A]@@BBZQRV^AKOA 	B@TPXZ\RVQ
]ZF@_G\[GIOA 	@@TPXZ\RVQIEHX\/^ZB[YA
	1A^@@ABZQ3	PAC_B]]@ZNXCED_CDDF	&]QV@S_EQIYFXJ	_UCQTUH\C@SY_NXHDEZCXJ	]UCQTUH\C@S
]Y@@K,A]QNF	&^QVCS_E
,H[F@^A]@U	NIUGS_WXANE, \RV]FHOA SX\SDOXIF_PI]@@NKNI^FV]WDOZIF_PI]@@NAYR@Q].PXERNE, _RV^FHOA
=L^NXIBBGOJUTGI[SSUN
A8KQIZ BXJ NMKUTO[ ]]ZZUUJC_IGHOJ^[NNSSO[ _]ZZUUJC_IXVRUAR]3EOUAYN
A8HQIY BXJ(JNI_@SB	XIJ\DCXTVO

< ]SX_VDO IAB^HX JAYQN[J\ANLC	PXIA\JDXHX HAYQN[J\ANL\JW]VQA4@VRX
	<		ANKRB	,AGJ^JAR AYNXB]ARB	,AEJ^O\A@N[VE_]@T_@@C_IGHOJ\@U]QVCSW WDOXIAQF7RHOJN 3\]XANE, ^RV\[[QVFP_WXANE, \RVYFHOA SXXKJ@ICXJ	^UCSOASLUYY\RVQIFHX_/Z]UCA
=L_NXJ_QW%		D[YSO[LPX_ZRJ_QW%		F[YVRH@Q YER[]NXDGJ^JARQAC\_N@YOVPJKF[QF@_@NE&USACQ	V7AQQ_V3 P[VC@SBOVTB@@[_V3 R[VF]@NLY @@ECG^RV\[[	ANKRB	KQIY@DXHXNVEOAQ&ZDNKLP%
TAVRTVO

< _SX^EQIS KFXTVO

< ]SX[VDO IECDF	D[YSO[ \]XAN QNZPKX@@NAYQ@Q^.TX]O	nHOJ\@U,ER]@@
CQN_]C]@\@U,ERX]SVQGJ^L[\NP[VC@SY_NXJ_QPUXWB_ZGIOA
NI^NL8^XNXQW; 	^UCSOA
	1A_@@C_IAXWG[U@ISOA
	1A]@@FBZQRVZBUA_SX^E AQQ_V]NMKPSVI@Q@TDO^=LGQQJQ3	QAC\_NP2
@ICXJNMNUSWI\_NP2
BIFEYHX	[YUWUNER]@@TAVRTVO RAYK^F\ANL\JW^VQ@4 @GJ^O

< ^SX^E
,H[F@]\NAC^JTCR^KJ
4E
UXWD]][[ QV@Q]E @QQ_V^NMIOA 	@@TRY]\NXI@	DFI2A_^UCA
=L_NXJ_QW%		D[YSO[LUQY_VJC_IT2HAYWH]_NPJW]QH_QPWXW@@NKNI\]@T]@@KG[CXJOJ_[[Q<U@NISS3YIDDF	&_QVANLE@@KF]	CDDF	&]QVDS_EQI]_V_NMIOA 	C@TKJBIAAZQJARUCQO[^,ZI@TNE
,HZF@]\N	 &
QLWDOIKG_QJ]\N	 &
SLRY\@@]QN^\VO PAYI@QPUJW\NXDEJ^HYG\\[[
AC^@SQ1T_OVXT 7^NMIOA
=L^NXJ_Q^F@^A_ZFISOA
	1A]@@GBZQRV]DNOA 	B@TKJAICXJ	]UC[ZVI\_NLTANQ%B@]IJ(KNI\]@S=
QNXHX	[YPS@[E\ANLP%
TBVRPK\\N AC]@Z]@T_@@C_IGHOJ\@U]QVIZZWDOXI@QG7UIXRVU,ER]@@R+
CNVGUA	NKQ^ ^X]\NXT 7]NMMRRO[ LV[X@@T@VRTVO QAYI@QPVJWTUICCGJ^I\N_(HPWACQ	V7AQQ_V3 P[VC@SBOVQJAC^CXJ(HNIX@SB	XIBX_V_NMIOA 	C@TKJBIKBZTJARUCPO[_,^DZLJ
4E
VXW@@N 3]]XANIMZWL[@\@U,ERY]SVQGJ^HXH@NJNI\]@T^@@C_IGKOJ^ZDOSSO[NKQE[2^WCQI/QAYI@Q	V7@QQ_VNVNKZUQI\_NP2
BIGEYHX	[YQV@@QPTJW\NXDFJ^JARRAC^EYBR^E	NXI_I,F]VXWN	 &
PLWDO	nIOJ\@U	NITIUWWXANE, \RVXFHOA SX\ UDOXIDDF	E[YSO[ _]ZX_VJC_IXVRWAR_3FK[AYN
A8HQI[Q3	PAC\_NPJW^UBJA[_V3 R[VG]@NLY @@BASQ	CNVGUA^SX^E BQQJBXTVONMJOAJ3AYA@TNE
,HZF@]\N	 &
QLWDOIKC^TK]@@N 3_]\\]NXTVRVO]\NP[VC@SY_NXJ_QPUXWBY\GISOAQVBBT7_YSXIIT2KAYSUN
A8IQI[QRVTOHZTSI@Q	V7BQQBEDF	 UCQVRUNER]@@TAVRTVO RAYKYB[ARBOVQ_QXnAA^F@R	
 <	C@TKJ
4E
WXW@@N[VJ]@U[WDO	nKOJX]FUA	NKP[KJ@ICXJ	^UCSOASLU^]^RJ_QUQN[VOC3^BNAY[	
j	PXICG/PAYI@QGERT]UMBC[Q3	RACXB]]@PNXHFDG^RV\[[	ANKRB	KQIYBMXTVONMJOAJ3AYE@TNE
,HZF@]\N	 &
QLWDOIKMQ\N]@@N 3_]\\]NXTVRVOY\NP[VC@SY_NXJ_QPUXWBYZOISOAQVBBT7\^[XIIT2KAYSUN
A8IQI[QRV^OKT[SI@Q	V7BQQBEDF	 UCRQZUNER]@@TAVRTVO RAYA\D\ANL\JW_VQB4 AFJ^O

< ^SX\VDO	nIOJ_]FUA	NKP[ _X]\NXT 7]NMHRRO[ LVZ_@@T@VRSI]@\@U^QVFQ^WDOZIC[TJ]\N[YRUNB3@P]]O	nHOJ^]FUA	.E[OVQKB_IAXWBYUALSSO[	
j	SXIBZ _VNVFKPOAQLP\\\RVQ
]ZF@ZD]\GUA]SXYVX]@@QQ XJU%\B\NMA	.EZOVPKB_IT2JAYPH]_NPJW^VBCJ[_V3 R[VB]@NLY @@BA[Q	CNV@I[SSUNERZ\ZJC_IGKOJ[\OISOAQV@BV7\^SXIIT2KAYQH]_NP2
@I@EYHX	[YQVHUG\ANLP%
TBVRUK\\N AC]A]]@T_@@DBRCXJ	^UCTRZI\_N@YOVUKJC[QF@\@NF&RQU[VNP2
AIAEYHX
	<		@NKQ_KJQQDEZUJ]\N	 &
SLVY\@@]QNYVLARPAC[DXARB	HQI\GDXHX HAYTNXC\]@QER\NXB,ZDVRX
	<		ANKP_KJ
4E
WXWC]][[QVCU[PX]@@R+
ANVFHROA		@TU_ANQN_\O]@@NKNI[IW^KJBIDL]TJARUCRO[],]CVLJ
4E
VXWB]][[3PTJW_SK_Q^F@_F_YFISOA
	1A]@@BBZQRV]EMOA 	B@TRZ]\NXDFJ^MXB\\[[	BNKU[WXANQIZL_VY;K_ENV[3PUJW^SK_QW%		D[YPRH@QGER_ZUIEC[Q3	RAC]B]]@PNXKAFG^RV[AJSSO[ \]_[_RJ_QPUXWGZ_GIOA
NI]NL8Y_T@@QW%		E[YQRH@Q	V7@QQBEDF
	UCQT[@^C\]@S=
 QNYUKAR 	AYH^K@SY^NXMJE[_V^NMNZUSI@QPVJW[[LCCGJ^K\N](HQZACQ	V7AQQBEDF	&_QVBS_EQIY	ACPTJAR	
 <	@@TVYANIEZ]VO PAYA\D\ANLC	PXIK[CDDF	F[Y[SN\C@S
]Y@@H,BRQNF	&^QVANLP%
T@VRTVO AYVMUG_ARB	,AEJ^O\A@N[VBUANLC	QXICG_RV\[[	BNKS[_X]@@QQXJV%\I]NMA	.EZOVRVQW; 	_UCSOA		@T R\^XRJ_QW%		F[YVRH@Q YER\USVQ
][F@]\NQ[VC@SY\NXKFKYCXJOJ^[[Q<R@^QV
@S=
QNXHX
	<		@NKRB	XIF^A@XTVO

< ]SX[VDO IBMZHX JAYSUNER]@@TBVRUOTF\\[[
AC^@SP1^[OVXT 7^NMIOA
=L^NXJ_Q^F@XFX]BISOA
	1A]@@FBZQRV]NJOA 	B@TKJAICXJ	]UCRURI\C@S
]Z@@H,BRQNF	&^QVANLP%
T@VRTVO AYVOUCYARB	,AEJ^O\A@N[VBUENLC	QXICG_RV\[[	BNKSXSX]@@QQXJV%\IYNMA	.EZOVRVQW; 	_UCSOA		@T P[TZRJ_QW%		F[YVRH@Q YER\UWVQ
][F@]\NQ[VC@SY\NXKE@SCXJOJ^[[Q<R@ZQV
@S=
QNXHX
	<		@NKRB	XIF\	KCXTVO

< ]SX[VDO IBM^HX JAYSUNER]@@TBVRULXB\\[[
AC^@SP1^_OVXT 7^NMIOA
=L^NXJ_Q^F@XH_[@ISOA
	1A]@@FBZQRV]NNOA 	B@TKJAICXJ	]UCRUUO\C@S
]Z@@H,BR	QNF	&^QVANLP%
T@VRTVO AYVATETARB	,AEJ^O\A@N[VBUINLC	QXICG_RV\[[	BNKSXWX]@@QQXJV%\IUNMA	.EZOVRVQW; 	_UCSOA		@T ^[XTRJ_QW%		F[YVRH@Q YER\U[VQ
][F@]\NQ[VC@SY\NXKEJ_CXJOJ^[[Q<QH]QV
@S=
QNXHX
	<		@NKRB	XIE^@EXTVO

< ]SX[VDO IAEYHX JAYSUNER]@@TBVRUBZC\\[[
AC^@SP1VXOVXT 7^NMIOA
=L^NXJ_Q^F@[E]\BISOA
	1A]@@FBZQRV^FIOA 	B@TKJAICXJ	]UCR[VA\C@S
]Z@@H,AZQNF	&^QVANLP%
T@VRTVO AYUA[KXARB	,AEJ^O\A@N[VA]FNLC	QXICG_RV\[[	BNKSWTX]@@QQXJV%_AZNMA	.EZOVRVQW; 	_UCSOA		@T_ZXURJ_QW%		F[YVRH@Q YER_]TVQ
][F@]\NQ[VC@SY\NXKJGSCXJOJ^[[Q<QHYQV
@S=
QNXHX
	<		@NKRB	XIE\@GXTVO

< ]SX[VDO IAE]HX JAYSUNER]@@TBVRUC^C\\[[
AC^@SP1V\OVXT 7^NMIOA
=L^NXJ_Q^F@[G^\@ISOA
	1A]@@FBZQRV^FMOA 	B@TKJAICXJ	]UCRZRA\C@S
]Z@@I,BS	QNF	&^QVANLP%
T@VRTVO AYVJUE^ARB	,AEJ^N\A@N[VBTINLC	QXICG_RV\[[	BNKS[WX]@@QQXJW%\HUNMA	.EZOVRVQW; 	_UCSOA		@T S\X_RJ_QW%		F[YWRH@Q YER\T[VQ
][F@]\NQ[VC@SY\NXKFF_CXJOJ_[[R<R@[QV
@S=
QNZUKAR	
 <	B@TVYANIAPWMZ@\@U,ER\]SVQGJ^KTG@NJNI]GTXWDOYIE^RL]@@NHNI]GTXWDOXIBQE7UC[RVU,ER_]SVQW; 	_UCPRRUN]]ZTZMCCG/RAYH]B@SCOVSCE_IGIOJ]ZBKSSO[ \]Y[YPJC_IGKOJ]ZBKSSO[NKSEY2][OQI/QAYK]B@SS3XIGYUVO AYVN_JZARB	,AEJ^K\A@N[VBUDNLC	QXIB]KDXHX KAYRO_K\ANLC	SXIB]KDXHXNVFOAR&]JXSX	,AFJ^H\A@N 3]][\]NXTVRQLT@Y\GUA	.EYOVSKB_I]XWAUX[[	@NKSXSX]@@TAVRUL_D\\[[	BNKSXSX]@@QQ XJU%\I_NMA	.EZOVPKB_IT2JAYPH]_NPJWYTNBF[_V3 R[VB]@NLY @@BJXQ	CNVFORSSI@QPUJW]TKCC[Q	ANVFORSSI@Q@TDO]=KJAIV3 Q[VA]@NLP%
T@VRWK\\NACYFUCV^KJ
4E
UXWA]][[ QV@[\E @QQ FM^TJARQAC]FUGR^E BQQ FM^TJARUCRO[],]HSLJ
4E
VXWB]][[3PTJW_SK_Q^F@XEX_CISOA
	1A]@@BBZQRV]NHOA 	B@TRP_\RVQ
]ZF@\ET^GIOA 	@@TRP_\RVQIEHX\/]UG[YA
	1A^@@ABZQ3	PAC_B]]@ZNXOGJ_CDDF	&]QV@S_EQIZCXJ	_UCRVUA\C@SY_NXKFESCXJ	]UCRVUA\C@S
]Y@@K,BRQNF	&^QVCS_E
,H[F@^A]@U	NIYHQ[WXANE, \RV]FHOA SX_^DOXIE^]N]@@NKNI]G[ZWDOZIE^]N]@@NAYR@Q].SWERNE, _RV^FHOA
=L^NXIBBGOJYTOO[SSUN
A8KQIZ BXJ NMHZ[O[ ]]Y[TRJC_IGHOJ]ZOISSO[ _]Y[TRJC_IXVRUAR^3EA[AYN
A8HQI[Q3	PAC\_NPJW]SKFERCXJ(HNIY@SB	XIAS	_V_NMIOA 	C@TKJBI@EPPJ]\N[YQUNA3CZW]O	nHOJ\@U,ER]@@
CQNYUH_CX\GUA	.EYOVWKB_I]XWBTU[[	@NKRB	HQI[Q	ANVDKSPSI@Q@TDO^=HKGIV3 Q[VC@SS3XIDDF
	UCRS[@\E\ANLP%
TBVRQK\\N AC^KX]@T_@@C_IGHOJ\@U]QVBS^WXANQIYL_VZ;HUENV[3PUJW\NXT 7_NMIOASX_^]Z]RJ_QW%		F[YVRH@Q YER_TWVQ
][F@]\NQ[VC@SY\NXIBA\CXJOJ^[[Q<QAZQV
@S=
QNXHX
	<		@NKRB	XIBZAG_TJAR	
 <	@@T VYANIFPRVO PAYI@QPUJW\NXDEJ^I\DZ\GUA
[VA]@\jUPZNXQW; 	^UCSOA
	1A_@@C_IAXWA]\NIPSSUN
A8KQI^ BXJ NMK[TO[ ]]XANQNXHX HAYPHZF\ANL\JW^VQA4KDJ^O

< ^SX^E
,H[F@]\NAC]CZCV\WDO	nKOJY]FUA	NKPVKJ@ICXJ	^UCSOASLTX^^RJ_QUQNZVOB3^OHAY[	
j	PXICG/PAYI@QGER\\TCCK[_V3 R[VF]@NLY @@AKZQ	CNVGUA^SX^E BQQCAYTJARUCQO[^,^IPLJ
4E
VXW@@N 3]]XANIEXSOZD\\[[3PVJWYSK_QTF@_H^@U_QVANLC	PXICG\RV_GNSSSUNSX\HKJ_3PB@QQJQ3	QAC\_NP2
@ICXJNMHS[QM\C\]@S=
 QN]UKAR 	AYKT@@SY^NXJ_QPVXW@@NHNI_AZWWDOXIAQF7WJ]RVU,ER]@@R+
CNVGUA	NKS_R]U\RVQW; 	]UCVRRUN	][]\NXDGJ^JARQAC\_N@YOVQNBA[_V XWB@UJ<PT[VNP2
AICXJ(JNI\]@ZNXIGK\CXJ(HNIX@SB	XI@\Q	CNVGUA^SX^E BQQ CC]TVONMJOAJ3@ZSX	,AFJ^JAR	
 <	B@TKJQQ@B\TJAR	
 <	@@TVYANIG^HX JAYSUNER]@@TBVRUJY@\@UAYJ_NB=] ERNE, _RV\[[3PTJW\NXTVRWHYB\\[[3PVJWXSK_QTF@^E@NJNI\]@T^@@C_IGKOJ]\GLSOAQVBBT7^X@@QW%		E[YSO[	
j	QXICGOJ_]F@SSO[	
j	SXIGZ _VNVDMOA 	B@TKJAICXJ	]UCZTSI@Q@TDO_=I@QQJQ3	QAC\_NP2
@ICXJNMKZZUI\_NP2
BIGEYHX	[YPPUNER]@@TAVRTVO RAY@_F\]@QER^NX@,XQNF	&^QVANLP%
T@VRTVO AYQA[G\ANLP%
TBVRPK\\N AC_A@SY^NXJ_QPVXW@@NHNIUAR^E	NXI_I,GYF@R	
 <	C@TKJ
4E
WXW@@N[VA[DS^KJ
4E
UXWD]][[ QVBSB	IQI[Q	BNVGUA]SXVRXANQIXL_V[;I]RVU,ER]@@R+
CNVGUA	NKPX_X]@@R+
ANVCHROA		@TWDOXIDDF	E[YSO[ _]P^\RVQIGHX^/_UUCA
=L_NXJ_QW%		D[YSO[LT_^^RJ_QW%		F[YWRH@Q YER^UNXDGJ^JARQAC\_N@YOVSKGF[QF@^@ND&P[ACQ	V7AQQ_V3 P[VC@SBOVQLBC[_V3 R[VG]@NLY @@@KG^RV\[[	ANKRB	KQIZ BDXHXNVDOAQ&]KNKLP%
TAVRTVO

< _SX^EQIZCFXTVO

< ]SX[VDO IBLDF	D[YSO[ \]XAN QN\\J]\N[YQUNA3@[LJ
4E
VXW@@N 3]]XANIE\]J]@@N 3_]]\]NXTVRUCARPAC\_N@ZOVRVQ
]YF@X@Y\[[
AC^@SP1UJW@R+
BNVGUA	.E[OVRVQFJ^BZF\\[[3PVJWYSK_QTF@\B@NJNI\]@T^@@C_IGKOJ__GIOA
NI^NL8Y^NXQW; 	^UCSOA
	1A_@@C_IAXWIZXGIOA
=L\NXOBBGOJ]_[[	@NKRB	HQI[Q	ANVDLVSO[NKPEZ2]RXIIT2KAYSUN
A8IQI[QRV[GHSSO[	
j	SXIFZ _VNVFIOA 	B@TKJAICXJ	]UCQ[SI@Q@TDO^=KBQQJQ3	QAC\_NP2
@ICXJNMN[ZSI@Q	V7BQQBEDF	 UCRRO[ ]]XANQNXHX HAYPIYC@S
]Z@@H,B]IJ(KNI\]@S=
QNXHX	[YRQK[C\]@S=
 QN]UKAR 	AYHZ_N@[OVRVQ
]ZF@]\NR[VG_ARBOVP_QYnBCJ^O

< ^SX^E
,H[F@]\NAC]@]ER^E
,HYF@XA]@UNI]FNLC	QXICG_RV\[[	BNKV[ WDOXIAQF7UNOJN 3\]XANE, ^RV\[[QV@R[WXANE, \RVYFHOA SX_KJ@ICXJ	^UCSOASLTP]\NXIA	DFH2AYNMA	.EZOVRVQW; 	_UCSOA		@TV[T\RVQW; 	]UCVRRUN	]YX@@T@VRTVO QAYI@QPVJWXROC_IXVRVAR_3FNZAYN
A8HQI[Q3	PAC\_NPJWX[OKA[_V3 R[VG]@NLY @@BDRQ	CNVGUA^SX^E BQQ GE]TJARUCPO[_,]FZLJ
4E
VXW@@N 3]]XANI@QUHZ@\@U,ERY]SVQGJ^KZH@NJNI\]@T^@@C_IGKOJ]XGKSSO[NKQE[2]UMQI/QAYI@Q	V7@QQ_VNVCAUTRI\_NP2
BIGEYHX	[YRTN@QPTJW\NXDFJ^JARRAC]@THR^E	NXI_I,E_RXWN	 &
PLWDO	nIOJ\@U	NIXIP_WXANE, \RVXFHOA SX_QDOXIDDF	E[YSO[ _]Y^[TJC_IXVRWAR]3DISAYN
A8HQIY BXJ(JNI_@SB	XIBZFAPTJAR	
 <	@@TVYANIGXTVO PAYJXB^ARB	HQIXBFXTVO RAYJXB^ARBOVS_QXnBC\F@R	
 <	C@TKJ
4E
WXW@@N[VG[BRZWDO	nKOJX]FUA	NKSYKJ@ICXJ	^UCSOASLV[X\RJ_QUQN[VOC3]@JAY[	
j	PXICG/PAYI@QGERYZZNJC[Q3	RACXB]]@PNXKD@G^RV\[[	ANKRB	KQIZ@CXTVONMJOAJ3B[C@TNE
,HZF@]\N	 &
QLWDOIGB[]I]@@N 3_]\\]NXTVRUM_\NP[VC@SY_NXJ_QPUXWA_^CISOAQVBBT7\[SXIIT2KAYSUN
A8IQI[QRVXB@P[SI@Q	V7BQQBEDF	 UCRTRUNER]@@TAVRTVO RAYH_B]ARBOVQ_QXnBCXF@R	
 <	C@TKJ
4E
WXW@@N[VGYEZ\WDO	nKOJX]FUA	NKSYKJ@ICXJ	^UCSOASLVZTTRJ_QUQN[-1@GUSO8$@(1]93hm