'31%2(37 0-29< ()&-%2

86%&%.3 '32 *-',)637

:EVMSW
PW

0MWXE PSW JMGLIVSW HI YR HMVIGXSVMS GSRGVIXS

0MWXE XEQFMqR PEW TVSTMIHEHIW ] EXVMFYXSW
0MWXE JMGLIVSW MRGPYMHSW PSW SGYPXSW HI WMWXIQE
0MWXE PSW JMGLIVSW HI YR HMVIGXSVMS HI JSVQE TEKMREHE

PW P
PW PE
PW PE ` QSVI
GEX R JMGLIVS
STGMzR R PS RYQIVE
QSVI JMGLIVS

1YIWXVE IP GSRXIRMHS HI YR JMGLIVS 0S QYIWXVE XSHS WIKYMHS 'SR PE

1YIWXVER IP GSRXIRMHS HI YR JMGLIVS HI JSVQE TEKMREHE QSVI TIVQMXI
TEWEV HI TjKMRE GSR PE FEVVE IWTEGMEHSVE PIWW EHIQjW TYIHI MV LEGME
EXVjW GSR PE F 'SR PIWW EP JMREP HIP EVGLMZS RSW HMGI IRH SJ XLI JMPI TEVE
ZSPZIV E PE WLIPP TYPWEV U

PIWW JMGLIVS
^GEX JMGLIVS
^QSVI JMGLIVS
^PIWW JMGLIVS

" 1YIWXVER IP GSRXIRMHS HI YR JMGLIVS GSQTVMQMHS K^

IGLS GEHIRE
IGLS RSW QYIWXVE IR TERXEPPE IP XI\XS UYI PI WMKE
KVIT GEHIRE EVGLMZS
1YIWXVE PEW PuRIEW HIP EVGLMZS UYI GSRXMIRIR PE GEHIRE )N TEVE
UYI QYIWXVI PEW PuRIEW HIP EVGLMZS QIQS UYI GSRXMIRIR PE TEPEFVE S GSRNYRXS HI PIXVEW GVIHMX
KVIT GVIHMX QIQS
KVIT [ GVIHMX QIQS QSWXVEVuE PEW PuRIEW HI QIQS UYI GSRXMIRIR PE TEPEFVE GVIHMX
WXEX JMGLIVS
1YIWXVE IP IWXEHS HI YR JMGLIVS
WXEX J JMGLIVS
1YIWXVE IP IWXEHS HIP WMWXIQE HI JMGLIVSW
JMPI JMGLIVS
1YIWXVE HI UYq XMTS IW YR JMGLIVS
XEMP EVGLMZS
XEMP R EVGLMZS

1YIWXVE PEW PXMQEW PuRIEW HI YR EVGLMZS

1YIWXVE PEW R PXMQEW PuRIEW HIP JMGLIVS

TSV HIJIGXS

LIEH JMGLIVS
1YIWXVE PEW
TVMQIVEW PuRIEW HI YR JMGLIVS
LIEH R JMGLIVS
1YIWXVE PEW TVMQIVEW R PuRIEW HI YR JMGLIVS
JMRH YWV REQI PMPS TVMRX
&YWGE XSHSW PSW JMGLIVSW GSR RSQFVI PMPS IR YWV
JMRH LSQI TEGS REQI NTK TVMRX
&YWGE XSHEW PEW MQjKIRIW NTK IR LSQI TEGS
[LIVIMW INIGYXEFPI
&YWGE INIGYXEFPIW INIQTPS [LIVIMW JMRH
X]TI GSQERHS
1YIWXVE PE YFMGEGMzR HIP GSQERHS MRHMGEHS 7M IW YR GSQERHS
MRXIVRS HIP WLIPP QSWXVEVj EPKS EWu GSQS GSQERHS MW E WLIPP FYMPXMR
T[H
LMWXSV]
JG P
INIGX GHVSQ
INIGX X GHVSQ
GH RSQCHMVIGXSVMS
GH
GH QS^MPPE
GH QS^MPPE
GH LSQI TEGS QS^MPPE
GH

:MWYEPM^E IP HMVIGXSVMS EGXYEP

1YIWXVE IP PMWXEHS HI GSQERHSW YWEHSW TSV IP YWYEVMS b FEWLCLMWXSV]
1YIWXVE IP PMWXEHS HI PSW PXMQSW GSQERHSW INIGYXEHSW
%FVI PE FERHINE HIP GHVSQ
'MIVVE PE FERHINE HIP GHVSQ
'EQFME HI HMVIGXSVMS
:YIPZIW EP ERXIVMSV
)RXVEW EP HI QS^MPPE TSV PE TYIVXE KVERHI
)RXVEW EP HI QS^MPPE MRHMGERHS PE VYXE VIPEXMZE
)RXVEW EP HI QS^MPPE MRHMGERHS PE VYXE GSQTPIXE
)RXVEW IR IP HMVIGXSVMS TIVWSREP

GT HT6 JMGLIVS VYXECJMGLIVS

6IEPM^E YRE GSTME HIP JMGLIVS E VYXECJMGLIVS
RSQFVI 7M IP JMGLIVS HI HIWXMRS I\MWXMIVE PS WSFVIIWGVMFMVuE

GEQFMjRHSPI IP

GT HT6 JMGLIVS
6
T
H
E
M

HMVIGXSVMS

'STME JMGLIVS E HMVIGXSVMS GSRWIVZERHS JMGLIVS IP RSQFVI

'STME YR HMVIGXSVMS VIGYVWMZEQIRXI WEPZS PSW JMGLIVSW IWTIGMEPIW
'STME TVIWIVZERHS TIVQMWSW TVSTMIXEVMS KVYTSW ] JIGLEW
'SRWIVZE PSW IRPEGIW WMQFzPMGSW GSQS XEPIW ] TVIWIVZE PEW VIPEGMSRIW HI
PSW HYVSW
0S QMWQS UYI HT6
)R GEWS HI I\MWXMV IP EVGLMZS HI HIWXMRS RSW TVIKYRXEVuE WM WSFVIIWGVMFMVPS

QZ VYXECJMGLIVS VYXECJMGLIVS
1YIZI ] S VIRSQFVE JMGLIVSW S HMVIGXSVMSW 7M IP JMGLIVS HI
HIWXMRS I\MWXMIVE PS WSFVIIWGVMFMVuE 9WERHS PE STGMzR M RSW TVIKYRXEVuE ERXIW HI WSFVIIWGVMFMV
QZ M VYXECJMGLIVS VYXECJMGLIVS
QOHMV RSQCHMVIGXSVMS
'VIE YR HMVIGXSVMS
VQHMV RSQCHMVIGXSVMS
)PMQMRE YR HMVIGXSVMS XMIRI UYI IWXEV ZEGuS
VQ EVGLMZS
)PMQMRE EVGLMZSW 2S ZER E PE TETIPIVE 'SR PE STGMzR M RSW TIHMVj
GSRJMVQEGMzR ERXIW HI IPMQMREV IP EVGLMZS :IV IR EPMEW GzQS LEGIV UYI ZE]ER E PE TETIPIVE
VQ V HMVIGXSVMS
&SVVE PSW JMGLIVSW HI YR HMVIGXSVMS VIGYVWMZEQIRXI 5YMIXSVVVVVVV
VQ NTK
&SVVE XSHSW PSW JMGLIVSW NTK HIP HMVIGXSVMS EGXYEP
PR VYXECJMGLIVS VYXECIRPEGI
'VIE YR IRPEGI HYVS GSR IP QMWQS MRSHS IW HIGMV QMWQS JMGLIVS
GSR HMWXMRXSW RSQFVIW
PR W VYXECHMVIGXSVMS VYXECIRPEGI
'VIE YR IRPEGI WMQFzPMGS GSR HMJIVIRXI MRSHS IW HIGMV WI GVIE YR
RYIZS JMGLIVS UYI ETYRXE EP ETYRXEHS TIVQMXMIRHS IRPE^EV GSR HMVIGXSVMSW ] GSR JMGLIVSW HI SXVS
WMWXIQE HI EVGLMZSW
)N WYHS PR W LSQI LEVPER XLIQIW VSSX XLIQIW LEGI UYI VSSX XLIQIW ETYRXI E LSQI LEVPER
XLIQIW EWu IP XIQE TEVE IP YWYEVMS VSSX WIVj IP QMWQS UYI TEVE IP YWYEVMS LEVPER
HMJJ ?STGMSRIWA JMGLIVS JMGLIVS
'SQTEVE JMGLIVSW
HMJJ [ JMGLIVS JMGLIVS
(IWGEVXE IWTEGMS IR FPERGS GYERHS GSQTEVE PuRIEW
HMJJ U JMGLIVS JMGLIVS
-RJSVQE WzPS HI WM PSW JMGLIVSW HMJMIVIR RS HI PSW HIXEPPIW HI PEW
HMJIVIRGMEW
HMJJ ] JMGLIVS JMGLIVS
1YIWXVE PE WEPMHE E HSW GSPYQREW
NSMR ?STGMSRIWA JMGLIVS JMGLIVS
1YIWXVE PEW PuRIEW GSMRGMHIRXIW IRXVI JMGLIVS ] JMGLIVS
XSYGL ? EQA? XA JMGLIVS
'EQFME PEW JIGLEW HI EGGIWS E ] S QSHMJMGEGMzR Q HI YR
EVGLMZS
XSYGL EQ JMGLIVS
% PE JIGLE EGXYEP 7M RS I\MWXMIWI IP JMGLIVS WI GVIEVuE
XSYGL EQ X
JMGL % PE JIGLE IWTIGMJMGEHE 7M RS I\MWXMIWI IP JMGLIVS WI GVIEVuE
%%11((LLQQ WW
7M RS WI IWTIGMJMGER PSW WIKYRHSW XSQEVuE GSQS ZEPSV
XSYGL JMGLIVS
9WEHS WMR STGMSRIW GVIEVuE YR JMGLIVS GSR PE JIGLE EGXYEP
WTPMX F
QS^EVX SKK QS^EVX
4EVXMV YR EVGLMZS

RSQFVI IPIKMHS TEVE PEW TEVXIW TSV HIJIGXS \

XEQEyS IR F]XIW HI GEHE TEVXI

GEX QS^EVX " QS^EVX SKK
9RMV PEW HMWXMRXEW TEVXIW HI YR JMGLIVS GSVXEHS GSR WTPMX
GLS[R ? 6A YWYEVMS JMGLIVS
'EQFME IP TVSTMIXEVMS HI YR JMGLIVS S HMVIGXSVMS
GLKVT ? 6A KVYTS JMGLIVS
'EQFME IP KVYTS HI YR JMGLIVS S HMVIGXSVMS
GLQSH \\\ JMGLIVS
'EQFME PSW TIVQMWSW HI EGGIWS HI YR JMGLIVS 'EHE \ IW YR RQIVS )P LEGI
VIJIVIRGME E PSW TIVQMWSW HIP YWYEVMS TVSTMIXEVMS HIP EVGLMZS IP E PSW TIVQMWSW HIP KVYTS EP UYI
TIVXIRIGI IP YWYEVMS TVSTMIXEVMS HIP EVGLMZS ] IP E PSW TIVQMWSW HIP VIWXS HI YWYEVMSW )P TIVQMWS HI
PIGXYVE XMIRI YR ZEPSV HI IP HI IWGVMXYVE ] IP HI INIGYGMzR 'EHE \ WIVj IP VIWYPXEHS HI WYQEV PSW
ZEPSVIW HI PSW TIVQMWSW UYI WI ZER E SXSVKEV EP YWYEVMS EP KVYTS ] EP VIWXS 4SV IN WM UYIVIQSW UYI IP
TVSTMIXEVMS XIRKE TIVQMWS HI PIGXYVE IWGVMXYVE ] INIGYGMzR IP TVMQIV RQIVS WIVj
!
4IVQMWSW ] WY WMKRMJMGEHS
WzPS IP TVSTMIXEVMS XMIRI HIVIGLSW HI PIGXYVE ] IWGVMXYVE IP KVYTS ] PSW HIQjW WzPS
XMIRIR IP HI PIGXYVE
WzPS IP TVSTMIXEVMS XMIRI HIVIGLSW HI PIGXYVE IWGVMXYVE ] INIGYGMzR
WzPS IP TVSTMIXEVMS XMIRI HIVIGLSW HI PIGXYVE IWGVMXYVE ] INIGYGMzR IP KVYTS ] PSW
HIQjW WzPS HI PIGXYVE ] INIGYGMzR %TPMGEHS E YR HMVIGXSVMS XSHSW TYIHIR PIIV IP
HMVIGXSVMS TIVS WzPS IP TVSTMIXEVMS TYIHI GEQFMEV IP GSRXIRMHS

YQEWO RRR
)WXEFPIGI UYq TIVQMWSW WIVjR HIWLEFMPMXEHSW TEVE PSW EVGLMZSW
RYIZSW
` YQEWO
1YIWXVE PE GSRJMKYVEGMzR EGXYEP HI YQEWO RSVQEPQIRXI
` YQEWO
(IWLEFMPMXE RMRKYRS IW HIGMV PSW EGXMZE XSHSW
`
` %XIRGMzR UYI PE GSWE QERHE LYIZSW
`
` ` YQEWO
! GLQSH
` ` YQEWO
! GLQSH
`
` ` YQEWO
[ [ ! GLQSH V[\ V \ V \ ` ` YQEWO
! GLQSH V[\ V \ V \ `
`
`
` 9RE QERIVE VjTMHE HI EZIVMKYEV PSW TIVQMWSW TEVXMIRHS HI YQEWO IW ETPMGERHS PE WMKYMIRXI VIWXE
`
!
TEVE IP TVMQIV GEWS ]
!
TEVE IP WIKYRHS
`
` 'YERHS YQEWO IW
PSW TIVQMWSW RSVQEPIW HI YR HMVIGXSVMS WSR
V[\ V \ V \ TVSHYGXS HI PE
` VIWXE
7MR IQFEVKS PSW HI YR JMGLIVS WSR
V[ V V fWXS IW EWu TSVUYI WI GSRWMHIVE
` UYI PS RSVQEP TEVE YR JMGLIVS IW UYI RS WIE INIGYXEFPI HI QERIVE UYI PE VIWXE TEVE EZIVMKYEV PSW
` TIVQMWSW HI YR JMGLIVS WIVuE
!
`
` 7M IWGVMFS IR YRE GSRWSPE YQEWO
] E GSRXMRYEGMzR QOHMV RYIZSHMVIGXSVMS qWXI XIRHVj XSHSW PSW
` TIQMWSW V[\ V[\ V[\
TIVS ] PSW JMGLIVSW UYI GVIIQSW HIRXVS HI HMGLS HMVIGXSVMS# TYIW qWXSW
` XIRHVjR PSW TIVQMWSW V[ V[ V[
VIWYPXEHS HI PE VIWXE
!
`
` 3W EGPEVEMW# ]S XEQTSGS
`
` 4EVE UYI PE QjWGEVE HI TIVQMWSW TIVQERI^GE HI YRE WIWMzR E SXVE XMIRIW UYI TSRIVPE IR IP
` FEWLCTVSJMPI HI XY LSQI
-QTVMQMIRHS
PTV JMGLIVS
PTV
JMGLIVS
PTV 4PEWIV JMGLIVS JMGLIVS
PTU
PTVQ
PTVQ

%yEHI YR HSGYQIRXS E PE GSPE HI MQTVIWMzR

6IEPM^E GSTMEW HIP JMGLIVS
-QTVMQI PSW JMGLIVSW IR PE MQTVIWSVE PEWIV
1YIWXVE PSW HSGYQIRXSW IR GSPE
'ERGIPE PE MQTVIWMzR HIP HSGYQIRXS EGXMZS
'ERGIPE PE MQTVIWMzR HIP XVEFENS R

)QTEUYIXEHS ] GSQTVIWMzR
'SQTVMQMV ^MT
^MT V JMGLIVS ^MT JMGLIVSCECGSQTVMQMV INIQTPS ^MT V WMREXVE ^MT
WMREXVE
(IWGSQTVMQMV ^MT
YR^MT EVGLMZS ^MT
:IV GSRXIRMHS ^MT
YR^MT Z EVGLMZS ^MT
(IWGSQTVMQMV VEV
(IWGSQTVMQMV VEV
MRHMUYI
:IV GSRXIRMHS VEV
'SQTVMQMV K^
(IWGSQTVMQMV K^
EVGLMZSGSQTVMQMHS
:IV GSRXIRMHS K^
'SQTVMQMV F^
(IWGSQTVMQMV F^
GSQTVMQMHS
:IV GSRXIRMHS F^

YRVEV I V EVGLMZS VEV I I\XVEI IR IP HMVIGXSVMS EGXYEP

YRVEV \ V EVGLMZS VEV HMVIGXSVMS HI HIWXMRS \ I\XVEI HSRHI WI
YRVEV Z EVGLMZS VEV
K^MT V JMGLIVS INIQTPS K^MT V WMREXVE
K^MT H JMGLIVS K^ S KYR^MT JMGLIVS K^ WI FSVVEVj IP
K^MT G JMGLIVS K^
F^MT JMGLIVS INIQTPS F^MT WMREXVE SKK
F^MT H JMGLIVS F^ S FYR^MT JMGLIVS F^ WI FSVVEVj IP EVGLMZS
F^MT

G JMGLIVS F^

238% V IUYMZEPI IR XSHSW PSW GEWSW E VIGYVWMZS

1MIRXVEW UYI ^MT GSQTVMQI ] IQTEUYIXE K^MT S F^MT WzPS GSQTVMQIR JMGLIVSW RS HMVIGXSVMSW TEVE IWS
I\MWXI XEV
*MGLIVSW XEV
)QTEUYIXEV
XEV ZGJ EVGLMZS XEV JMGLIVS JMGLIVS
JMGLIVS TYIHI WIV HMVIGXSVMS
(IWIQTEUYIXEV
XEV Z\J EVGLMZS XEV
:IV GSRXIRMHS
XEV ZXJ EVGLMZS XEV
4EVE GSQTVMQMV ZEVMSW JMGLIVSW ] IQTEUYIXEVPSW IR YR WSPS EVGLMZS LE] UYI GSQFMREV IP XEV ] IP K^MT S IP
F^MT HI PE WMKYMIRXI QERIVE
*MGLIVSW XEV K^ XK^
)QTEUYIXEV ] GSQTVMQMV
XEV ^ZGJ EVGLMZS XK^ HMVIGXSVMSCECGSQTVMQMV
(IWIQTEUYIXEV ] HIWGSQTVMQMV
XEV ^Z\J EVGLMZS XK^
:IV GSRXIRMHS
XEV ^ZXJ EVGLMZS XK^
*MGLIVSW XEV F^ XF^
)QTEUYIXEV ] GSQTVMQMV
XEV NZGJ EVGLMZS XF^ HMVIGXSVMSCECGSQTVMQMV
(IWIQTEUYIXEV ] HIWGSQTVMQMV
XEV NZ\J EVGLMZS XF^
:IV GSRXIRMHS
XEV NZXJ EVGLMZS XF^
3TGMSRIW HI XEV
G GVIE YR RYIZS EVGLMZS
J GYERHS WI YWE GSR PE STGMzR G YWE IP RSQFVI HIP JMGLIVS IWTIGMJMGEHS TEVE PE GVIEGMzR HIP JMGLIVS XEV
GYERHS WI YWE GSR PE STGMzR \ VIXMVE HIP EVGLMZS IP JMGLIVS IWTIGMJMGEHS 4SV RSQFVI IRXIRHIVj PS UYI
ZE]E E GSRXMRYEGMzR HI PE J
X QYIWXVE PE PMWXE HI PSW JMGLIVSW UYI WI IRGYIRXVER IR IP JMGLIVS XEV
Z QYIWXVE IP TVSGIWS HI EVGLMZS HI PSW JMGLIVSW
\ I\XVEI PSW JMGLIVSW HI YR EVGLMZS
^ GSQTVMQI IP JMGLIVS XEV GSR K^MT
N GSQTVMQI IP JMGLIVS XEV GSR F^MT
'SQSHMRIW
b 7YWXMXY]I IP HMVIGXSVMS LSQI HI QERIVE UYI
b GSQERHSW X\X IUYMZEPI E LSQI TEGS GSQERHSW X\X WM IWXEQSW IR RYIWXVS TVSTMS HMVIGXSVMS
bTITI GSQERHSW X\X IUYMZEPI E LSQI TITI GSQERHSW X\X TITI IW SXVS YWYEVMS
# 7YWXMXY]I YR WSPS GEVEGXIV )NIQTPSW
PW T#TI
QSWXVEVuE XSHSW PSW JMGLIVSW GY]SW ] GEVEGXIVIW JYIWIR T T ] I
PW #ITI
QSWXVEVuE XSHSW PSW JMGLIVSW EGEFEHSW IR ITI
7YWXMXY]I GYEPUYMIV WYGIWMzR HI GEVEGXIVIW )NIQTPSW
PW FE
QYIWXVE XSHSW PSW HMVIGXSVMSW S JMGLIVSW UYI GSQMIRGIR GSR
FE
PW
QYIWXVE XSHSW PSW EVGLMZSW SGYPXSW
VQ V
SXVE QERIVE HI HIWMRWXEPEV IP WMWXIQE STIVEXMZS
VQ NTK
FSVVE XSHEW PEW MQjKIRIW NTK
SKKHIG SKK
TEWE HI SKK E [EZ XSHSW PSW SKK HIP HMVIGXSVMS IR IP UYI IWXEQSW
4YIWXS IRXVI HSW GSQERHSW LEGI UYI XVEW IP TVMQIVS WI INIGYXI IP WIKYRHS )NIQTPSW
RERS RYIZS X\X GEX RYIZS X\X
RSW EFVMVj IP IHMXSV RERS TEVE UYI IWGVMFEQSW PS UYI UYIVEQSW IR YR RYIZS EVGLMZS UYI WI PPEQEVj
RYIZS X\X ] XVEW KYEVHEV ] WEPMV HIP IHMXSV GEX RSW QSWXVEVj IP GSRXIRMHS HI PS UYI EGEFEQSW HI
GVIEV
WPIIT Q \QQW GERGMzR QT

XVEW

QMRYXSW WI MRMGMEVj IP \QQW

%PMEW
)W IP QSXI UYI WI PI TSRI E YR GSQERHS HI QERIVE UYI PE TVz\MQE ZI^ UYI UYIVEQSW INIGYXEVPS FEWXE GSR
PPEQEVPS TSV WY QSXI )WGVMFMIRHS EPMEW WMR TEVjQIXSW RSW ETEVIGIR PE PMWXE HI EPMEW UYI XIRIQSW )NIQTPSW
7M INIGYXS

EPMEW VQ! QZ XEVKIX HMVIGXSV]! LSQI TEGS TETIPIVECVQ

PI LI
TYIWXS IP QSXI VQ E QZ XEVKIX HMVIGXSV]! LSQI TEGS TETIPIVECVQ
%Wu PE TVz\MQE ZI^
UYI FSVVI EPKS GSR VQ MVj E TEVEV EP HMVIGXSVMS TETIPIVECVQ
4IVS WM PS IWGVMFS EWu @VQ PSUYIWIE IP EPMEW WIVj MKRSVEHS
3XVS
EPMEW GHVMT! GHHE [EZ & ( HIZ LHH W \
GEHE ZI^ UYI IWGVMFE IR YRE GSRWSPE GHVMT QI VMTIEVj IP '( UYI XIRKE IR HIZ LHH 4EVE UYI PSW EPMEW
TIVQERI^GER HI YRE WIWMzR E SXVE LE] UYI TSRIVPSW IR IP EVGLMZS LSQI FEWLVG EP JMREP
RSXE IP QSXI ] IP GSQERHS EP UYI WYWXMXY]I FMIR TIKEHMXSW EP WMKRS MKYEP
RSXE IP GSQERHS IRXVI GSQMPPEW WMQTPIW
'SRGITXSW HI IRXVEHE WEPMHE - 3 ) 7
WXHMR
IRXVEHE IWXERHEV TEVE HEXSW IP XIGPEHS
WXHSYX
WEPMHE IWXERHEV TEVE PSW TVSKVEQEW PE TERXEPPE
WXHIVV
WEPMHE IWXERHEV TEVE PSW QIRWENIW HI IVVSV PE TERXEPPE
6IHMVIGGMSRIW YR VIHMVIGGMSREHSV VIHMVMKI PE WEPMHE HI YR GSQERHS E YR JMGLIVS
GSQERHS JMGLIVS
` 7Y WMRXE\M\ WYIPI WIV GSQERHS " JMGLIVS
GSQERHS "" JMGLIVS

"
""
)NIQTPSW
HTOK KIX WIPIGXMSRW " TVSKVEQEWCMRWXEPEHSW X\X
)R ZI^ HI QSWXVEV PE WEPMHE TSV TERXEPPE RSW PE ZYIPGE EP JMGLIVS TVSKVEQEWCMRWXEPEHSW X\X
7M IWI JMGLIVS ]E I\MWXuE LE WMHS WSFVIIWGVMXS WY GSRXIRMHS TIVS WM YWEQSW "" RS FSVVEVj REHE ] EyEHMVE
WY WEPMHE EP JMREP HIP JMGLIVS 3XVS INIQTPS GSR IGLS
IGLS JMR HI PE PMWXE HI TVSKVEQEW MRWXEPEHSW "" TVSKVEQEWCMRWXEPEHSW X\X
IR ZI^ HI QSWXVEV
IR TERXEPPE IP XI\XS PS EyEHI EP JMREP HIP JMGLIVS TVSKVEQEWCMRWXEPEHSW X\X
4EVE HIWTMWXEV PSW HI 9RM\ WI LER MRZIRXEHS IP QMWQS GEVEGXIV TIVS EP VIZqW
GEX TVSKVEQEWCMRWXEPEHSW X\X
IR HSRHI TVSKVEQEWCMRWXEPEHSW LEGI RS HI WEPMHE WMRS HI IRXVEHE TEVE GEX IP GYEP PS QYIWXVE IR TERXEPPE
]E UYI PE WEPMHE REXYVEP HI GEX IW PE IWXERHEV WXHSYX S TERXEPPE
7M UYIVIQSW UYI PE WEPMHE HI IVVSV RS ETEVI^GE IR TERXEPPE WMRS UYI ZE]E E YR EVGLMZS HI XI\XS
GSQERHS " JMGLIVS X\X
INIQTPS \QQW " IVVSVC\QQW X\X
8YFIVuEW 9RE XYFIVuE LEGI UYI PE WEPMHE HI YR TVSKVEQE WIE PE IRXVEHE HI SXVS 7Y WMRXE\MW WYIPI WIV
GSQERHS ` GSQERHS
)NIQTPSW
GEX TVSKVEQEWCMRWXEPEHSW X\X ` KVIT QS^MPPE
%UYu PI LIQSW GEQFMEHS PE WEPMHE REXYVEP E GEX ] WI PE LIQSW
QERHEHS E KVIT TEVE UYI FYWUYI PE TEPEFVE QS^MPPE HIRXVS HIP JMGLIVS TVSKVEQEWCMRWXEPEHSW X\X
TV P
PTV

H GSQERHSW X\X ` PTV 9RE ZI^ JSVQEXIEHS IP HSGYQIRXS TV PS QERHE E PE GSPE HI MQTVIWMzR

-QjKIRIW
QOMWSJW 6 . 8 S MQEKIR MWS JMGLIVS
'VIE YRE MQEKIR HI YR JMGLIVS HIP HMWGS HYVS
HH MJ! HIZ GHVSQ SJ!MQEKIR MWS
'VIE YRE MQEKIR HIP GHVSQ ] PE ZYIPGE IR IP JMGLIVS
MQEKIR MWS
RVK MWS MQEKIR RVK MQEKIR MWS
'SRZMIVXI YRE MQEKIR RVK E MWS
FMR MWS MQEKIR GYI
'SRZMIVXI YRE MQEKIR FMR GYI E MWS
GGH MWS MQEKIR MQK MQEKIR MWS
'SRZMIVXI YRE MQEKIR MQK GGH WYF GYI E MWS
QHJ MWS MQEKIR QHJ MQEKIR MWS
'SRZMIVXI YRE MQEKIR QHJ QHW E MWS
QSYRX X MWS
S PSST MQEKIR MWS T QSRXENI
1SRXE YRE MQEKIR
YQSYRX T QSRXENI
(IWQSRXEV YRE MQEKIR
QH WYQ EVGLMZS MWS " EVGLMZS MWS X\X
+IRIVEV PE WYQE GSRXVSP 1( HI YR EVGLMZS
QH WYQ [ G EVGLMZS MWS X\X
:IVMJMGEV PE WYQE GSRXVSP 1( HI YR EVGLMZS
2SXE EVGLMZS MWS ] EVGLMZS MWS X\X HIFIR IWXEV IR IP QMWQS HMVIGXSVMS

7-78)1%
1ERYEPIW GSQERHSW
QER GSQERHS
QER LIPT
MRJS GSQERHS
LIPT GSQERHS
ETVSTSW TEPEFVECGPEZI
ETVSTSW I TEPEFVECGPEZI

` 1YIWXVE MRJSVQEGMzR WSFVI IP GSQERHS

1YIWXVE MRJSVQEGMzR WSFVI YR GSQERHS MRXIVRS HIP WLIPP FEWL
&YWGE HIRXVS HI PEW HIWGVMTGMSRIW HI QER PE TEPEFVE GPEZI
&YWGE PE TEPEFVE I\EGXE

,SVE JIGLE ] GEPIRHEVMS

GEP Q]
YTXMQI
GEVKE QIHME
X^GSRJMK X^WIPIGX
KVIT 98' IXG HIJEYPX VG7
YRMZIVWEP 98'
HEXI
HEXI Y
'SSVHMREHS
L[GPSGO WLS[
'137
L[GPSGO W]WXSLG
RXTHEXI WIVZMHSV 284
YR WIVZMHSV 284
RXTH
WIVZMHSVIW 284
[EXGL R XMIQTS GSQERHS
[EXGL R HEXI
9WYEVMSW ] KVYTSW
WY
WY RSQCYWYEVMS
TEWW[H
[LS E ,
YWIVW
MH
KVSYTW

1YIWXVE IP GEPIRHEVMS
1YIWXVE PE LSVE XMIQTS HI JYRGMSREQMIRXS R YWYEVMSW GSRIGXEHSW ] PE
4VSKVEQEW MRXIVEGXMZSW UYI TIVQMXIR WIPIGMSREV PE ^SRE LSVEVME
'SQTVSFEQSW WM IP VIPSN LEVH[EVI QERXMIRI PE LSVE PSGEP S
1YIWXVE PE JIGLE ] LSVE HIP WMWXIQE IR JSVQEXS PSGEP
1YIWXVE PE JIGLE ] LSVE IR JSVQEXS 98' 8MIQTS 9RMZIVWEP
1YIWXVE IP VIPSN LEVH[EVI XEQFMqR PPEQEHS VIPSN HI PE &-37 ] VIPSN
4SRI IP VIPSN LEVH[EVI E PE LSVE HIP WMWXIQE
%NYWXE HMVIGXEQIRXI PE LSVE HIP WMWXIQE WMRGVSRM^jRHSPE GSR PE HI
(IQSRMS UYI ENYWXE IP VIPSN HI JSVQE KVEHYEP WMRGVSRM^jRHSPS GSR
)NIGYXE YR GSQERHS GEHE R WIKYRHSW TSV HIJIGXS
-KYEP UYI HEXI TIVS IR IWXI GEWS ZIVuEQSW GSVVIV PSW WIKYRHSW

)RXVEV E PE WIWMzR GSQS VSSX Y SXVS YWYEVMS

)WXERHS GSQS VSSX IRXVEQSW GSQS SXVS YWYEVMS
'EQFMS HI GSRXVEWIyE
1YIWXVE MRJSVQEGMzR HI PSW YWYEVMSW GSRIGXEHSW EP WMWXIQE
1YIWXVE MRJSVQEGMzR HI PSW YWYEVMSW GSRIGXEHSW EP WMWXIQE
1YIWXVE MRJSVQEGMzR HIP YWYEVMS EGXYEP KVYTSW E PSW UYI TIVXIRIGI YMH KMH
1YIWXVE PSW KVYTSW E PSW UYI TIVXIRIGI YR YWYEVMS

EHHYWIV YWYEVMS
'VIE YR RYIZS YWYEVMS
EHHYWIV YWYEVMS KVYTS
%yEHI YR YWYEVMS I\MWXIRXI E YR KVYTS ]E I\MWXIRXI
EHHYWIV RS GVIEXI LSQI YWYEVMS
'VIE YR YWYEVMS TIVS WMR HMVIGXSVMS TIVWSREP LSQI
EHHKVSYT KVYTS
'VIE YR RYIZS KVYTS
HIPYWIV YWYEVMS
)PMQMRE YR YWYEVMS
HIPYWIV YWYEVMS KVYTS
)PMQMRE YR YWYEVMS HIP KVYTS IWTIGMJMGEHS
HIPYWIV VIQSZI LSQI YWYEVMS
)PMQMRE YR YWYEVMS ] WY HMVIGXSVMS LSQI
HIPKVSYT KVYTS
)PMQMRE YR KVYTS
HIPKVSYT KVYTS SRP] MJ IQTX]
)PMQMRE YR KVYTS WzPS WM RS XMIRI RMRKR YWYEVMS
YWIVQSH P RYIZSCPSKMR
'EQFME IP RSQFVI HIP YWYEVMS 7IVuE FYIRS GSQFMREVPS GSR H
YWIVQSH H RYIZECLSQI Q PSKMR
'EQFME IP LSQI EP YWYEVMS GVIjRHSPS WM RS I\MWXMIWI ]
XVERWJMVMIRHS IP GSRXIRMHS
YWIVQSH I
PSKMR
*IGLE IR UYI PE GYIRXE HIP YWYEVMS WIVj HIWEGXMZEHE I\TVIWEHE IR
JSVQEXS %%%% 11 ((
KVSYTQSH R RYIZSCRSQFVI KVYTS
'EQFME IP RSQFVI HI YR KVYTS
:EVMSW
GPIEV
VIWIX
VEVSW
YREQI E
LSWXREQI
XX]
IWXjRHEV

0MQTME PE TERXEPPE
6IWXEYVE PE 'SRWSPE XMP TEVE GYERHS IQTMI^ER E ETEVIGIV GEVEGXIVIW
:IVWMzR HIP OIVRIP
:MWYEPM^E IP RSQFVI HI PE QjUYMRE
1YIWXVE IP RSQFVI HI JMGLIVS HI PE XIVQMREP GSRIGXEHE E PE WEPMHE

IXG MRMX H WIVZMGMS WXST

IXG MRMX H WIVZMGMS WXEVX
IXG MRMX H WIVZMGMS VIWXEVX
WXEVX\
LSQI
WXEVX\ YWV FMR <
TVIHIXIVQMREHS

4EVE YR WIVZMGMS HIQSRMS

-RMGME YR WIVZMGMS HIQSRMS
6IMRMGME YR WIVZMGMS HIQSRMS
%VVERGE IP IRXSVRS KVjJMGS GSR IP KIWXSV IWTIGMJMGEHS IR IP MRMXVG HI XY

MGI[Q

%VVERGE IP IRXSVRS KVjJMGS GSR IP MGI[Q WM IW UYI RS JYIVE IP

'XVP '
'XVP >
'XVP 7
'XVP 5
'XVP %PX *
IXG MRMXXEF
'XVP %PX 7YTV
IXG MRMXXEF

8IVQMRE YR TVSGIWS
7YWTIRHI XIQTSVEPQIRXI PE INIGYGMzR HI YR TVSKVEQE
4EVE PE XVERWJIVIRGME HI HEXSW E PE XIVQMREP
6IWYQI VIMRMGME PE XVERJIVIRGME HI HEXSW
7EPMV HIP IRXSVRS KVjJMGS E YR XIVQMREP *R WIKR KIXX]W EGXMZEHSW IR

WGVMTX
NEZE NEV JMGLIVS NEV

)NIGYXE YR WGVMTX HI WLIPP

)NIGYXE YR TVSKVEQE NEZE

GSRWSPIGLEVW J JYIRXI TWJ K^

YWV WLEVI GSRWSPIJSRXW
FEWI GSRJMK
KTQ
GSVVIR WSFVI IPPE
I\MX
MRMX
MRMX
WLYXHS[R X L RS[
WLYXHS[R X V RS[

)WXERHS IR YRE XIVQMREP VIMRMGME WM RS WI MRHMGE SXVE GSWE IR

'EQFMEV PE JYIRXI HI PE GSRWSPE 0EW JYIRXIW WI IRGYIRXVER IR

'SRJMKYVE IP WMWXIQE FEWI
4VSKVEQE UYI HE WSTSVXI HI VEXzR E PE GSRWSPE ] ETPMGEGMSRIW UYI
8IVQMRE PE INIGYGMzR HIP TVSKVEQE IR GYVWS
%TEKE PE QjUYMRE
6IMRMGME PE QjUYMRE
%TEKE PE QjUYMRE
6IMRMGME PE QjUYMRE

(MWGS HYVS
HJ
1YIWXVE MRJSVQEGMzR WSFVI TEVXMGMSRIW QSRXEHEW
GJHMWO
1YIWXVE MRJSVQEGMzR WSFVI TEVXMGMSRIW ,IVVEQMIRXE TEVE TEVXMGMSREV IR
RGYVWIW
JHMWO P
1YIWXVE MRJSVQEGMzR WSFVI TEVXMGMSRIW ,IVVEQMIRXE TEVE TEVXMGMSREV
QSYRX
:IQSW IP PMWXEHS HI HMWTSWMXMZSW QSRXEHSW
QSYRX T HI QSRXENI
1SRXE YR HMWTSWMXMZS ]E IWXEFPIGMHS IR IP JWXEF
YQSYRX T HI QSRXENI
(IWQSRXE YR HMWTSWMXMZS ]E IWXEFPIGMHS IR IP JWXEF
QSYRX X I\X HIZ LHE QMGEEWE
1SRXE IP HMWTSWMXMZS HIZ LHE GY]S WMWXIQE HI JMGLIVSW IW I\X
IR IP TYRXS HI QSRXENI QMGEEWE
YQSYRX HIZ LHE
(IWQSRXE IP HMWTSWMXMZS HIZ LHE
JWGO HIZ LHE\
'LIUYIE ] VITEVE IP WMWXIQE HI EVGLMZSW HI YRE TEVXMGMzR 23
1328%(%
JWGO I\X ZTJ HIZ LH\
'LIUYIE ] VITEVE IP WMWXIQE HI EVGLMZSW HI YRE TEVXMGMzR I\X 23
1328%(%
JWGO I\X ZTJ HIZ LH\
'LIUYIE ] VITEVE IP WMWXIQE HI EVGLMZSW HI YRE TEVXMGMzR I\X 23
1328%(%
QOJW I\X HIZ LHF
WIKYRHS HMWGS HYVS
QOJW I\X HIZ LHF
WIKYRHS HMWGS HYVS
QOJW I\X HIZ JH
QOW[ET HIZ LHE

'VIE YR WMWXIQE HI JMGLIVSW 0MRY\ I\X IR PE TVMQIVE TEVXMGMzR HIP

'VIE YR WMWXIQE HI JMGLIVSW 0MRY\ I\X IR PE TVMQIVE TEVXMGMzR HIP
'VIE YR WMWXIQE HI JMGLIVSW 0MRY\ I\X IR IP JPSTT]
'VIE YR WMWXIQE HI JMGLIVSW 0MRY\ W[ET MRXIVGEQFMS IR LHE

XYRI JW 3 BLEWCNSYVREP HIZ LHE

'SRZMIVXI LHE HI I\X E I\X
XYRI JW N HIZ LHE
'SRZMIVXI LHE HI I\X E I\X

UYSXE
YWYEVMSW KVYTSW

4VSKVEQE UYI KIWXMSRE PMQMXE IP YWS UYI LEGIR HIP HMWGS PSW

-RWXEPEGMzR HI WSJX[EVI 7zPS TEVE (IFMER PS ERXIVMSV IW GSQR E XSHEW PEW HMWXVMFYGMSRIW
HTOK ,IVVEQMIRXE HI RMZIP QIHMS TEVE MRWXEPEV GSRWXVYMV FSVVEV ] KIWXMSREV PSW TEUYIXIW HI (IFMER
HTOK M TEUYIXI
HTOK V TEUYIXI
HTOK TYVKI TEUYIXI
HTOK JSVGI V TEUYIXI
HTOK JSVGI LIPT
HTOK JSVGI EPP V TEUYIXI
IP WMWXIQE
HTOK G TEUYIXI
HTOK 0 TEUYIXI
HTOK 7 JMGLIVS
HTOK KIX WIPIGXMSRW
HTOK VIGSRJMKYVI TEUYIXI
PSGEPIW

-RWXEPEGMzR HI TEUYIXIW HIF

(IWMRWXEPE YR TEUYIXI
(IWMRWXEPE YR TEUYIXI ] WYW EVGLMZSW HI GSRJMKYVEGMzR
*YIV^E PE HIWMRWXEPEGMzR HI YR TEUYIXI 1jW MRJSVQEGMzR
*YIV^E ER QjW PE HIWMRWXEPEGMzR HI YR TEUYIXI 7Y YWS TYIHI HEyEV
1YIWXVE IP GSRXIRMHS JMGLIVSW HI YR TEUYIXI
1YIWXVE XSHSW PSW JMGLIVSW UYI WI MRWXEPEVSR GSR YR TEUYIXI
1YIWXVE E UYq TEUYIXI TIVXIRIGI YR JMGLIVS
1YIWXVE XSHSW PSW TEUYIXIW MRWXEPEHSW IR IP WMWXIQE
6IGSRJMKYVE TEUYIXIW MRWXEPEHSW )NIQTPS HTOK VIGSRJMKYVI

%48 ,IVVEQMIRXE %ZER^EHE HI )QTEUYIXEQMIRXS %HZERGIH 4EGOEKMRK 8SSP UYI KIWXMSRE IP WMWXIQE
HI TEUYIXIW HI (IFMER MRWXEPERHS HIWMRWXEPERHS EGXYEPM^ERHS ] GSRJMKYVERHS PSW QMWQSW 0E WMRXE\MW
IW ETX KIX ?STGMSRIWA EGGMzR
ETX KIX YTHEXI
(IWGEVKE ] EREPM^E PE PMWXE HI RYIZSW TEUYIXIW HIWHI PSW VITSWMXSVMSW
HIP WSYVGIW PMWX
ETX KIX YTKVEHI
%GXYEPM^E XSHSW PSW TEUYIXIW MRWXEPEHSW RS MRWXEPE RM IPMQMRE
TEUYIXIW
ETX KIX HMWX YTKVEHI
%GXYEPM^E XSHSW PSW TEUYIXIW VIWSPZMIRHS PEW HITIRHIRGMEW
ETX KIX MRWXEPP TEUYIXI
-RWXEPEGMzR HI TEUYIXIW TSV VIH GSR VIWSPYGMzR HI HITIRGMEW ETX KIX W
EGGMzR
7MQYPE WMR PPIZEV E GEFS PE EGGMzR 4SV INIQ ETX KIX W MRWXEPP TEUYIXI
ETX KIX H EGGMzR
7zPS HIWGEVKE PSW TEUYIXIW HIF IR ZEV GEGLI ETX EVGLMZIW WMR MRWXEPEV S
HIWMRWXEPEV REHE
ETX KIX MRWXEPP VIMRWXEPP TEUYIXI 6IMRWXEPE YR TEUYIXI
ETX KIX VIQSZI TEUYIXI
(IWMRWXEPE YR TEUYIXI
ETX KIX VIQSZI TYVKI TEUYIXI (IWMRWXEPE YR TEUYIXI ] WYW EVGLMZSW HI GSRJMKYVEGMzR
ETX KIX GPIER
)PMQMRE XSHSW PSW TEUYIXIW HIF HIWGEVKEHSW ] EPQEGIREHSW IR
ZEV GEGLI ETX EVGLMZIW
ETX KIX EYXSGPIER )PMQMRE PSW TEUYIXIW SFWSPIXSW HI ZEV GEGLI ETX EVGLMZIW
ETX GEGLI IW YRE YXMPMHEH UYI QERMTYPE PE GEGLq HI TEUYIXIW HI %48 IR FYWGE HI MRJSVQEGMzR
ETX GEGLI WIEVGL TEPEFVE
&YWGE IR PSW TEUYIXIW ] IR PEW HIWGVMTGMSRIW PE TEPEFVE
ETX GEGLI WLS[ TEUYIXI
1YIWXVE PE HIWGVMTGMzR GSQTPIXE HIP TEUYIXI
ETX GEGLI WLS[TOK TEUYIXI
1YIWXVE WY VIPEGMzR GSR SXVSW TEUYIXIW
ETX GEGLI HITIRH TEUYIXI
1YIWXVE PEW HITIRHIRGMEW HIP TEUYIXI
ETX GEGLI VHITIRH TEUYIXI
1YIWXVE PEW HITIRHIRGMEW MRZIVWEW HIP TEUYIXI GYEPIW HITIRHIR
HI qP
%TXMXYHI +IWXSV HI TEUYIXIW GSR EPKYREW QINSVEW GSR VIWTIGXS E ETX GSQS PE MRWXEPEGMzR EYXSQjXMGE HI
PSW TEUYIXIW UYI WMR WIV HITIRHIRGMEW JSVQER TEVXI HI PSW WYKIVMHSW S VIGSQIRHEHSW ] PE
EYXSHIWMRWXEPEGMzR HI PSW TEUYIXIW MRWXEPEHSW IR WY QSQIRXS GSQS HITIRHIRGMEW HI SXVSW
EYXSQjXMGEQIRXI IR GSRXVETSWMGMzR E QERYEPQIRXI WM RMRKR SXVS TEUYIXI PSW RIGIWMXEWI 7I TYIHI YWEV
HI JSVQE MRXIVEGXMZE WM RS WI IWTIGMJMGE RMRKYRE EGGMzR S HIWHI PE PMRIE HI GSQERHSW YWERHS PEW QMWQEW
STGMSRIW ] EGGMSRIW HI ETX 0E WMRXE\MW IW
ETXMXYHI ?STGMSRIWA EGGMzR
%GGMSRIW
YTHEXI
(IWGEVKE ] EREPM^E PE PMWXE HI RYIZSW TEUYIXIW WIKR PSW VITSWMXSVMSW HIP
WSYVGIW PMWX
YTKVEHI
6IEPM^E YRE EGXYEPM^EGMzR WIKYVE RS MRWXEPE RM IPMQMRE TEUYIXIW
HMWX YTKVEHI
6IEPM^E YRE EGXYEPM^EGMzR MRWXEPERHS ] IPMQMRERHS TEUYIXIW WM JYIVE
TVIGMWS
MRWXEPP TEUYIXI W
-RWXEPE EGXYEPM^E TEUYIXIW

VIMRWXEPP TEUYIXI W
6IMRWXEPE YR TEUYIXI
VIQSZI TEUYIXI W
)PMQMRE TEUYIXIW
TYVKI TEUYIXI W
)PMQMRE TEUYIXIW ] WYW JMGLIVSW HI GSRJMKYVEGMzR
HS[RPSEH TEUYIXI W
7I PMQMXE E HIWGEVKEV PSW TEUYIXIW HIF EP HMVIGXSVMS IR IP UYI
IWXEQSW
LSPH TEUYIXI W
&PSUYIE TEUYIXIW
YRLSPH TEUYIXI W
(IWFPSUYIE YR TEUYIXI
YRQEVOEYXS TEUYIXI W
(IWQEVGE TEUYIXIW GSQS MRWXEPEHSW QERYEPQIRXI
QEVOEYXS TEUYIXI W
1EVGE TEUYIXIW GSQS MRWXEPEHSW QERYEPQIRXI IPIKMHSW TSV
RSWSXVSW
WIEVGL I\TVIWMzR
&YWGE YR TEUYIXI TSV RSQFVI ] S I\TVIWMzR
WLS[ TEUYIXI
1YIWXVE MRJSVQEGMzR HIXEPPEHE HI YR TEUYIXI
GPIER
)PMQMRE PSW JMGLIVSW HIF HIWGEVKEHSW
EYXSGPIER
)PMQMRE PSW TEUYIXIW HIF SFWSPIXSW
3TGMSRIW
W
H
T
]
J
:
(
X VEQE

7MQYPE PEW EGGMSRIW TIVS IR VIEPMHEH RS PEW VIEPM^E

7zPS HIWGEVKE TEUYIXIW RS MRWXEPE S HIWMRWXEPE REHE
7MIQTVI TMHI GSRJMVQEGMzR HI PEW EGGMSRIW
7YTSRI UYI PE VIWTYIWXE E TVIKYRXEW WMQTPIW HIP XMTS Wu RS IW Wu
8VEXE HI EVVIKPEV TEUYIXIW VSXSW HI JSVQE EKVIWMZE
1YIWXVE PE ZIVWMzR HI PSW TEUYIXIW E MRWXEPEV
1YIWXVE PEW HITIRHIRGMEW HI PSW TEUYIXIW GEQFMEHSW EYXSQjXMGEQIRXI
)WXEFPIGI PE VEQE HI (IFMER HIWHI PE UYI WI MRWXEPER PSW TEUYIXIW