Sie sind auf Seite 1von 191

en

Operating manual
(20
Wheel Loader
ints)

L506 Stereo
valid from serial no.: - 426 8500
(10
4PIEWI IRXIV XLI JSPPS[MRK HIXEMPW SR VIGIMTX SJ ]SYV ZILMGPI
=SY [MPP JMRH XLIWI HIXEMPW SR XLI ZILMGPI X]TI TPEXI 8LI] [MPP
FI YWIJYP [LIR SVHIVMRK WTEVI TEVXW

 :ILMGPI MHIRXMX] RS

 =IEV SJ GSRWXVYGXMSR

-RMXMEP WXEVXYT HEXI

%HHVIWW
%HHVIWW 0-)&,)66i;)6/ &-7',3*7,3*)2 +1&,

(V ,ERW 0MIFLIVV i 7XVEÃI 


 &-7',3*7,3*)2
ºWXIVVIMGL

4VSHYGX MHIRXMJMGEXMSR
1ERYJEGXYVIV 0-)&,)66i;)6/ &-7',3*7,3*)2 +1&,
4VSHYGX KVSYT ;LIIP PSEHIV
8]TI 0
'SRWXVYGXMSR RYQFIV 
7IVMEP RYQFIV 
'SRJSVQMX]

(SGYQIRX MHIRXMJMGEXMSR
3VHIV RYQFIV 
%YXLSV 0&,(ITX  8(SO
(SGYQIRX ZIVWMSR 

0-)&,)66 0
*SVI[SVH

8LMW 3TIVEXMRK QERYEP MW MRXIRHIH JSV XLI HVMZIV ERH JSV XLI QEMRXIRERGI
TIVWSRRIP SJ XLI QEGLMRI
-X GSRXEMRW HIWGVMTXMSRW SJ
i XIGLRMGEP HEXE
i WEJIX] TVSZMWMSRW
i GSRXVSP ERH STIVEXMSR
i 1EMRXIRERGI
8LMW 3TIVEXSV W 1ERYEP WLSYPH FI GEVIJYPP] VIEH FIJSVI GSQQMWWMSRMRK ERH
WLSYPH FI VIEH PEXIV EX VIKYPEV MRXIVZEPW ERH YWIH F] IZIV]SRI [MXL
VIWTSRWMFMPMX] JSV [SVO SR[MXL XLI QEGLMRI
;SVO [MXL SV SR XLI QEGLMRI MRGPYHIW JSV I\EQTPI
i 3TIVEXMSR MRGPYHMRK VMKKMRK [SVO XVSYFPIWLSSXMRK HYVMRK STIVEXMSR VI
QSZEP SJ STIVEXMSREP [EWXI QEMRXIRGI HMWTSWEP SJ STIVEXMRK ERH EY\MP
MEV] QEXIVMEPW
i 7IVZMGMRK MRGPYHMRK QEMRXIRERGI MRWTIGXMSR ERH VITEMV [SVO
i 8VERWTSVX SV PSEHMRK SJ XLI QEGLMRI
8LMW QERYEP QEOIW MX IEWMIV JSV XLI HVMZIV XS FIGSQI EGUYEMRXIH [MXL LMW
QEGLMRI ERH EZSMHW QEPJYRGXMSRW HYI XS MQTVSTIV STIVEXMSR
3FWIVZERGI SJ XLI STIVEXMRK MRWXVYGXMSRW F] XLI QEMRXIRERGI TIVWSRRIP
i MQTVSZIW STIVEXMSREP VIPMEFMPMX]
i I\XIRHW XLI WIVZMGI PMJI SJ ]SYV QEGLMRI
i VIHYGIW VITEMV GSWXW ERH HS[RXMQIW
8LMW QERYEP FIPSRKW [MXL XLI QEGLMRI 4PEGI E GST] [MXLMR IEW]
VIEGL MR XLI KPSZI GSQTEVXQIRX MR XLI HVMZIVtW GEF
8LI 3TIVEXSV W 1ERYEP MW XS FI WYTTPIQIRXIH F] MRWXVYGXMSRW FEWIH SR
I\MWXMRK REXMSREP EGGMHIRX TVIZIRXMSR ERH IRZMVSRQIRXEP TVSXIGXMSR VIKYPE
XMSRW
-R EHHMXMSR XS XLI 3TIVEXSV W 1ERYEP ERH XLI ETTPMGEFPI REXMSREP ERH PSGEP
PIKEP VIUYMVIQIRXW JSV EGGMHIRX TVIZIRXMSR XLI VIGSKRMWIH XIGLRMGEP VIKY
PEXMSRW JSV WEJI ERH TVSJIWWMSREP STIVEXMSR WLSYPH FI SFWIVZIH
8LMW 3TIVEXSV W 1ERYEP GSRXEMRW EPP RIGIWWEV] MRJSVQEXMSR JSV XLI STIVEXMSR
ERH QEMRXIRERGI SJ ]SYV QEGLMRI
-J ]SY WLSYPH LS[IZIV VIUYMVI QSVI HIXEMPIH I\TPEREXMSRW SV MRJSVQEXMSR
SYV XIGLRMGEP MRJSVQEXMSR ERH TVSHYGXMSR UYEPMX] 8-4  XIGLRMGEP HSGY
QIRXEXMSR ERH GYWXSQIV WIVZMGI HITEVXQIRXW [MPP FI SRP] XSS KPEH XS FI SJ
EWWMWXERGI
=SY [MPP VIEHMP] YRHIVWXERH XLEX [I GERRSX EGGITX KYEVERXII GPEMQW MR XLI
IZIRX SJ MQTVSTIV STIVEXMSR MRWYJJMGMIRX QEMRXIRERGI XLI YWI SJ YR
EYXLSVMWIH STIVEXMRK QEXIVMEPW SV RSRSFWIVZERGI SJ WEJIX] VIKYPEXMSRW

0 0-)&,)66
0-)&,)66 [MPP GERGIP [MXLSYX TVMSV RSXMGI EPP SFPMKEXMSRW WYGL EW KYEV
ER XII E KVI IQIR XW WI VZMGI G SRXVEG XW I XG I RXIVI H MR XS F]
0-)&,)66 ERHSV MXW EKIRXW [LIR WTEVI TEVXW SXLIV XLER SVMKMREP 0-)&
,)66 TEVXW SV XLSWI TYVGLEWIH JVSQ 0-)&,)66 EVI YWIH JSV QEMRXIR
ERGI ERH VITEMVW
9RHIV I\XVIQI GSRHMXMSRW WLSVXIV QEMRXIRERGI MRXIVZEPW XLER TVSZMHIH JSV
MR XLI MRWTIGXMSR WGLIHYPI QE] FI RIGIWWEV]
1SHMJMGEXMSRW GSRHMXMSRW GST]VMKLX
i ;I VIWIVZI XLI VMKLX XS EPXIV XLI XIGLRMGEP WTIGMJMGEXMSRW SJ XLI QEGLMRI
MR VIWTIGX SJ XLI WTIGMJMGEXMSRW ERH MPPYWXVEXMSRW MR XLI HSGYQIRXW
TVSZMHIH
i 8LI KYEVERXII ERH PMEFMPMX] GSRHMXMSRW SJ XLI KIRIVEP GSRHMXMSRW SJ
FYWMRIWW SJ 0-)&,)66 EVI RSX EJJIGXIH F] XLI MRJSVQEXMSR MR XLI
QERYEP
i 8LI WTIGMJMGEXMSRW ERH MPPYWXVEXMSRW MR XLMW QERYEP QE] RIMXLIV FI
VITVSHYGIH HMWXVMFYXIH RSV YWIH JSV GSQQIVGMEP TYVTSWIW %PP VMKLXW MR
EGGSVHERGI [MXL XLI PE[W SJ GST]VMKLX EVI I\TVIWWP] VIWIVZIH

0-)&,)66 0
'SRXIRXW

 4VSHYGX HIWGVMTXMSR 

 8IGLRMGEP HEXE 

 'SQTPIXI QEGLMRI 

 (MIWIP IRKMRI 

 8VEZIP L]HVEYPMGW 

 ;SVOMRK L]HVEYPMGW 

 7XIIVMRK W]WXIQ 

 )PIGXVMGEP W]WXIQ 

 %\PIW 

 8]VIW   

 'EF ,IEXMRK %MV GSRHMXMSRMRK W]WXIQ   

 0MJX EVQ 5YMGOGLERKI HIZMGI   

 %XXEGLQIRXW %GGIWWSVMIW   

 8IGLRMGEP HIWGVMTXMSR   

 'SQTPIXI QEGLMRI   

 (MIWIP IRKMRI   

 'SSPMRK W]WXIQ   

 8VEZIP L]HVEYPMGW   

 ;SVOMRK L]HVEYPMGW   

 7XIIVMRK W]WXIQ   

 &VEOI W]WXIQ   

 )PIGXVMGEP W]WXIQ   

 %\PIW 8]VIW   

 :ILMGPI JVEQI &EPPEWX [IMKLX   

 'EF ,IEXMRK %MV GSRHMXMSRMRK W]WXIQ   

 0MJX EVQ 5YMGOGLERKI HIZMGI   

 %XXEGLQIRXW %GGIWWSVMIW   

0 0-)&,)66
'SRXIRXW 3TIVEXMRK QERYEP

 7EJIX] VIKYPEXMSRW 

 -RXVSHYGXMSR 

 +IRIVEP WEJIX] TVIGEYXMSRW 

 'SVVIGX YWEKI 

 (IGEPW SR XLI QEGLMRI 

 0E]SYX SJ HIGEPW 

 7EJIX] HIGEP 

 -RJSVQEXMSR HIGEPW 

 8]TI TPEXIW   

 -RWXVYGXMSRW JSV EZSMHMRK GVYWLMRK MRNYVMIW ERH


FYVRW   

 -RWXVYGXMSRW JSV EZSMHMRK JMVIW ERH I\TPSWMSRW   

 -RWXVYGXMSRW JSV WXEVXMRK YT WEJIP]   

 7EJIX] TVIGEYXMSRW EX WXEVXYT   

 -RWXVYGXMSRW JSV WEJI [SVOMRK   

 7EJIX] MRWXVYGXMSRW JSV HVMZMRK SR WPSTIW   

 4EVOMRK WEJIP]   

 8VERWTSVXMRK XLI QEGLMRI WEJIP]   

 8S[MRK XLI QEGLMRI WEJIP]   

 1IEWYVIW JSV IRWYVMRK WEJI QEMRXIRERGI   

 7EJIX] MRWXVYGXMSRW JSV [IPHMRK [SVO SR XLI


QEGLMRI   

 -RWXVYGXMSRW JSV [SVOMRK WEJIP] SR QEGLMRI


EXXEGLQIRXW   

 7EJIX] VIKYPEXMSRW [LIR XVERWTSVXMRK XLI QE


GLMRI F] GVERI   

 7EJI QEMRXIRERGI SJ L]HVEYPMG LSWIW ERH LSWI


PMRIW   

 %XXEGLQIRXW ERH EGGIWWSVMIW   

 3TIVEXMSR ,ERHPMRK 

 0E]SYX SJ GSRXVSPW ERH MRWXVYQIRXW 

 3TIVEXMSR 

 'EF EGGIWW 

 )QIVKIRG] I\MX 

 (VMZIV W WIEX [MXL KEWJMPPIH WTVMRK WYWTIRWMSR 

0-)&,)66 0
3TIVEXMRK QERYEP 'SRXIRXW

 7EJIX] FIPX 

 7XEVXIV W[MXGL   

 7XIIVMRK GSPYQR ERH WXIIVMRK [LIIP   

 7XIIVMRK GSPYQR W[MXGL   

 (MWTPE] YRMX   

 7[MXGLIW SR XLI MRWXVYQIRX TERIP   

 0-)&,)66 GSRXVSP PIZIV   

 )PIGXVMGEP EGXYEXMSR SJ EHHMXMSREP JYRGXMSRW


STXMSR   

 'SRXVSP PIZIV JSV STXMSREP [SVOMRK JYRGXMSRW   

 ,IEXMRK :IRXMPEXMSR   

 %MVGSRHMXMSRMRK STXMSREP   

 -RXIVREP GEF MPPYQMREXMSR   

 -RWMHI ERH SYXWMHI QMVVSVW   

 7YR ZMWSV   

 )PIGXVMG [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ   

 6IWIZSMV JSV [MRHWLMIPH [EWLIV JPYMH   

 ,ERHPMRK   

 (EMP] WXEVXYT VSYXMRI   

 7XEVXMRK XLI HMIWIP IRKMRI   

 (VMZMRK QSHI   

 7LYXXMRK HS[R XLI QEGLMRI   

 3TIVEXMRK XLI PMJX EVQ   

 %GXYEXMRK XLI L]HVEYPMG ERH QIGLERMGEP


UYMGOGLERKI HIZMGI   

 ;SVOMRK [MXL STXMSREP IUYMTQIRX   

 +IRIVEP [SVOMRK QIXLSHW   

 8VERWTSVXMRK XLI QEGLMRI   

 )QIVKIRG] STIVEXMSR   

 8S[MRK XLI QEGLMRI   

 4VSGIHYVI JSV NYQT WXEVXMRK   

 1EPJYRGXMSRW 

 )VVSV GSHI XEFPIW 

0 0-)&,)66
'SRXIRXW 3TIVEXMRK QERYEP

 )PMQMREXMRK QEPJYRGXMSRW 

 'LERKMRK JYWIW 

 1EMRXIRERGI 

 1EMRXIRERGI ERH MRWTIGXMSR WGLIHYPI 

 0YFVMGERX GLEVX JMPPMRK UYERXMXMIW 

 8EFPI SJ JMPPMRK UYERXMXMIW 

 0YFVMGERX GLEVX 

 1EMRXIRERGI XEWOW 

 4VITEVEXSV] XEWOW JSV QEMRXIRERGI 

 1EMRXIRERGI XEWOW HEMP] IZIV]  WIVZMGI


LSYVW   

 1EMRXIRERGI XEWOW [IIOP] IZIV]  WIVZMGI


LSYVW   

 9RWGLIHYPIH QEMRXIRERGI XEWOW   

 'PIERMRK XLI QEGLMRI   

 'SVVSWMSR TVSXIGXMSR [SVO   

 0YFVMGERXW ERH JYIPW   

 ,ERHPMRK PYFVMGERXW ERH JYIPW   

 0YFVMGERX ERH JYIP WTIGMJMGEXMSRW   

0-)&,)66 0
 4VSHYGX HIWGVMTXMSR

)UYMTQIRX PE]SYX

8LMW WIGXMSR GSRXEMRW ER SZIVZMI[ SJ XLI QEGLMRI [MXL ERRSXEXMSRW SJ XLI


MPPYWXVEXIH GSQTSRIRXW

*YPP QEGLMRI i :MI[ JVSQ PIJX


 PMJX EVQ  FEPPEWX [IMKLX  EVXMGYPEXMSR PSGO
 HVMZIV W GEF  VIEV E\PI  PMKLXMRK
 [SVOMRK JPSSHPMKLXW  GEF EGGIWW  JVSRX WIGXMSR
 VIEV LEXGL i IRKMRI GSQTEVX  GSZIV i FEXXIV] GSQTEVXQIRX  JVSRX E\PI
QIRX  VIEV WIGXMSR  PSEHMRK FYGOIX
 LMXGLMRK HIZMGI  WXIIVMRK G]PMRHIV  FYGOIX XSSXL KYEVH

0 0-)&,)66 


4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP

HIWMKR ZEVMERXW SJ XLI QEGLMRI


 >FEV PMJX EVQ  4PMJX EVQW

 0-)&,)66 0


3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HEXE

 8IGLRMGEP HEXE

 'SQTPIXI QEGLMRI

;LIIP PSEHIV [MXL >FEV PMJX EVQ 8LI ZEPYIW WTIGMJMIH ETTP] XS
i XLI QEGLMRI [MXL >FEV PMJX EVQ  QQ [MXL L]HVEYPMG UYMGOGLERKI
HIZMGI
i E QEGLMRI [MXL E XSSXLIH PSEHMRK FYGOIX i  Q— ERH [MXL  6
(92034 748

(MQIRWMSRW i QEGLMRI [MXL >FEV PMJX EVQW


2EQI :EPYI 9RMXW
&YGOIX GETEGMX]  Q—
&YGOIX [MHXL  QQ
7TIGMJMG QEXIVMEP [IMKLX  XQ—
%  HYQT LIMKLX EX QE\ I\XIRWMSR  QQ
ERH ” XMPXMRK SYX ERKPI
&  QE\ HYQT LIMKLX  QQ
'  QE\ LIMKLX SJ FYGOIX FEWI  QQ
(  QE\ LIMKLX SJ FYGOIX TMZSX TSMRX  QQ
)  QE\ LIMKLX SJ FYGOIX YTTIV IHKI  QQ
*  VIEGL EX QE\ PMJXMRK LIMKLX ERH ”  QQ
XMPX SYX ERKPI
+  HMKKMRK HITXL  QQ
,  LIMKLX EFSZI GEF  QQ
-  LIMKLX EFSZI I\LEYWX  QQ
.  KVSYRH GPIEVERGI  QQ
/  [LIIP FEWI  QQ

0 0-)&,)66 


4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HEXE

2EQI :EPYI 9RMXW


0  SZIVEPP PIRKXL  QQ
8YVRMRK VEHMYW SZIV FYGOIX SYXIV IHKI  QQ
0MJXMRK JSVGI 7%)  O2
&VIEOSYX JSVGI 7%)  O2
8MTTMRK PSEH [LIR WXVEMKLX   OK
8MTTMRK PSEH EVXMGYPEXIH ”   OK
%RKPI SJ EVXMGYPEXMSR SR IEGL WMHI  ”
%RKPI SJ W[MRK SR IEGL WMHI  ”
3TIVEXMRK [IMKLX   OK
8SXEP GSRXIRX i L]HVEYPMG SMP  P
8VEZIP WTIIH i XVEZIP VERKI  JSV[EVH i OQL
ERH VIZIVWI 
8VEZIP WTIIH i XVEZIP VERKI  JSV[EVH i OQL
ERH VIZIVWI 
7SYRH TVIWWYVI PIZIP MR XLI GEF i 0T%  H&

 8LI WTIGMJMIH ZEPYIW EWWYQI  692034 748 X]VIW MRGPYWMZI SJ


EPP PYFVMGERXW JYPP JYIP XERO 6347*347 GEF ERH HVMZIV
 ;MXL X]VI WM^I  6

;LIIP PSEHIV [MXL 4PMJX EVQW 8LI ZEPYIW WTIGMJMIH ETTP] XS
i XLI QEGLMRI [MXL 4PMJX EVQW  QQ [MXL QIGLERMGEP UYMGOGLERKI
HIZMGI
i E QEGLMRI [MXL E XSSXLIH PSEHMRK FYGOIX i Q— ERH [MXL 
692034 748

(MQIRWMSRW i QEGLMRI [MXL 4FEV PMJX EVQW


2EQI :EPYI 9RMXW
&YGOIX GETEGMX]  Q—
&YGOIX [MHXL  QQ

 0-)&,)66 0


3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HEXE

2EQI :EPYI 9RMXW


7TIGMJMG QEXIVMEP [IMKLX  XQ—
%  HYQT LIMKLX EX QE\ PMJXMRK LIMKLX  QQ
ERH  XMPX SYX ERKPI
&  QE\ HYQT LIMKLX  QQ
'  QE\ LIMKLX SJ FYGOIX FEWI  QQ
(  QE\ LIMKLX SJ FYGOIX TMZSX TSMRX  QQ
)  QE\ LIMKLX SJ FYGOIX YTTIV IHKI  QQ
*  VIEGL EX QE\ PMJXMRK LIMKLX ERH   QQ
XMPX SYX ERKPI
+  HMKKMRK HITXL  QQ
,  LIMKLX EFSZI GEF  QQ
-  LIMKLX EFSZI I\LEYWX  QQ
.  KVSYRH GPIEVERGI  QQ
/  [LIIP FEWI  QQ
0  SZIVEPP PIRKXL  QQ
8YVRMRK VEHMYW SZIV FYGOIX SYXIV IHKI  QQ
0MJXMRK JSVGI 7%)  O2
&VIEOSYX JSVGI 7%)  O2
8MTTMRK PSEH [LIR WXVEMKLX   OK
8MTTMRK PSEH EVXMGYPEXIH ”   OK
%RKPI SJ EVXMGYPEXMSR SR IEGL WMHI  ”
%RKPI SJ W[MRK SR IEGL WMHI  ”
3TIVEXMSREP [IMKLX   OK
8SXEP GSRXIRX i L]HVEYPMG SMP  P
8VEZIP WTIIH i XVEZIP VERKI  JSV[EVH i OQL
ERH VIZIVWI 
8VEZIP WTIIH i XVEZIP VERKI  JSV[EVH i OQL
ERH VIZIVWI 
7SYRH TVIWWYVI PIZIP MR XLI GEF i 0T%  H&

 8LI WTIGMJMIH ZEPYIW EWWYQI  692034 748 X]VIW MRGPYWMZI SJ


EPP PYFVMGERXW JYPP JYIP XERO 6347*347 GEF ERH HVMZIV
 ;MXL X]VI WM^I  6

;LIIP PSEHIV [MXL JSVOPMJX 8LI ZEPYIW WTIGMJMIH ETTP] XS


STXMSREP i XLI QEGLMRI [MXL 4PMJX EVQW  QQ [MXL L]HVEYPMG UYMGOGLERKI
HIZMGI
XLI QEGLMRI [MXL >FEV PMJX EVQ  QQ [MXL L]HVEYPMG UYMGOGLERKI
HIZMGI
i JSV XLI QEGLMRI [MXL E *)1 -- JSVOPMJX ERH  692034 748
X]VIW

0 0-)&,)66 


4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HEXE

(MQIRWMSRW i QEGLMRI [MXL 4FEV PMJX EVQ ERH JSVOPMJX

0SEHMRK KISQIXV] 4OMRIQEXMGW >FEV OMRIQEXMGW


*SVOPMJX IUYMTQIRX JSV UYMGOGLERKI HIZMGI *)1 -- JSVOPMJX *)1 -- JSVOPMJX
2EQI :EPYI 9RMXW :EPYI 9RMXW
% 0MJXMRK PMQMX EX QE\ VIEGL  QQ  QQ
' 1E\ PMJXMRK LIMKLX  QQ  QQ
) 1E\ LIMKLX EFSZI JSVO GEVVMIV  QQ  QQ
* 0SEHMRK TSWMXMSR VIEGL  QQ  QQ
* QE\ +VIEXIWX TSWWMFPI VIEGL  QQ  QQ
* QMR 6IEGL EX QE\ PMJX LIMKLX  QQ  QQ
+ *SVO TVSRK PIRKXL  QQ  QQ
0 8SXEP PIRKXL SJ XLI FEWMG QEGLMRI  QQ  QQ
8MTTMRK PSEH [LIR WXVEMKLX   OK  OK
8MTTMRK PSEH EVXMGYPEXIH   OK  OK
3TIVEXMRK [IMKLX   OK  OK

 8LI WTIGMJMIH ZEPYIW EWWYQI  6 (92034 748 X]VIW MRGPYWMZI
SJ EPP PYFVMGERXW JYPP JYIP XERO 6347*347 GEF ERH HVMZIV
8LI STIVEXMSREP [IMKLX ERH XLI XMTTMRK PSEH EVI EJJIGXIH F] XLI X]VI
HMQIRWMSRW ERH XLI EGGIWWSVMIW
 TIVQMXXIH TE]PSEH -73  
i SR IZIR XIVVEMR !  SJ XLI XMTTMRK PSEH [LIR EVQ RSX WXVEMKLX
i SR YRIZIR XIVVEMR !  SJ XLI XMTTMRK PSEH [LIR EVQ RSX WXVEMKLX

0SEH FIEVMRK XEFPIW JSV JSVOPMJX 8LI 7EJIX] 2SVQ )2  WIVZIW EW XLI FEWMW JSV HIXIVQMRMRK XLI PSEHW
STIVEXMSR RSQMREP [SVOMRK PSEHW 
8LI TIVQMWWMFPI PSEH MW WXEXIH EW E SJ XLI XMTTMRK PSEH
8LI JSPPS[MRK ZEPYIW QE] RSX FI I\GIIHIH
i IZIR ERH JMVQ XIVVEMR !  SJ XLI XMTTMRK PSEH [MXL JSVOPMJX
i YRIZIR XIVVEMR !  SJ XLI XMTTMRK PSEH [MXL JSVOPMJX

8LI TIVQMXXIH PSEHW SR ZEVMSYW X]TIW SJ XIVVEMR ERKPIW [ ERH ZEVMSYW


GIRXVI SJ KVEZMX] SJJWIXW EVI WTIGMJMMIH MR XLI XEFPI FIPS[

 0-)&,)66 0


3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HEXE

8IVVEMR  IZIR ERH JMVQ 0MJX EVQW [MXL 4OMRIQEXMGW


0SEH !  SJ XLI XMTTMRK PSEH 0SEHW MR OK [MXL HMJJIVIRX GIRXVIW SJ KVEZMX] HMWXERGIW '+ MR QQ
8]VIW %HHMXM        
SREP
FEPPEWX
 (YRPST )         
6 (YRPST 748         
6 (YRPST 748         
6 1MGLIPMR <1         
6 1MGLIPMR <1         
6 1MGLIPMR <1MRI         

8IVVEMR  YRIZIR 0MJX EVQW [MXL 4OMRIQEXMGW


0SEH !  SJ XLI XMTTMRK PSEH 0SEHW MR OK [MXL HMJJIVIRX GIRXVIW SJ KVEZMX] HMWXERGIW  '+ MR QQ
8]VIW %HHMXM        
SREP
FEPPEWX
 (YRPST )         
6 (YRPST 748         
6 (YRPST 748         
6 1MGLIPMR <1         
6 1MGLIPMR <1         
6 1MGLIPMR <1MRI         

8IVVEMR  IZIR ERH JMVQ 0MJX EVQ [MXL >FEV OMRIQEXMGW


0SEH !  SJ XLI XMTTMRK PSEH 0SEHW MR OK [MXL HMJJIVIRX GIRXVIW SJ KVEZMX] HMWXERGIW  '+ MR QQ
8]VIW %HHMXM        
SREP
FEPPEWX
 (YRPST )         
6 (YRPST 748         
6 (YRPST 748         
6 1MGLIPMR <1         
6 1MGLIPMR <1         
6 1MGLIPMR <1MRI         

8IVVEMR  YRIZIR 0MJX EVQ [MXL >FEV OMRIQEXMGW


0SEH !  SJ XLI XMTTMRK PSEH 0SEHW MR OK [MXL HMJJIVIRX GIRXVIW SJ KVEZMX] HMWXERGIW  '+ MR QQ
8]VIW %HHMXM        
SREP
FEPPEWX
 (YRPST )         
6 (YRPST 748         
6 (YRPST 748         
6 1MGLIPMR <1         
6 1MGLIPMR <1         
6 1MGLIPMR <1MRI         

0 0-)&,)66 


4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HEXE

 (MIWIP IRKMRI

(MIWIP IRKMRI 2EQI :EPYI 9RMXW


)RKMRI X]TI &* 0 *8
(IWMKR -RPMRI IRKMRI
'SQFYWXMSR TVSGIWW *SYV WXVSOI HMVIGX
MRNIGXMSR
2YQFIV SJ G]PMRHIVW 
-KRMXMSR WIUYIRGI 
']PMRHIV ZSPYQI  HQ—
6EXIH TS[IV EGGSVHMRK XS -73    O;  LT
6EXIH WTIIH  QMR 
1E\ XSVUYI EX  QMR   2Q
-HPMRK WTIIH QMR• QMR 
QE\ • QMR 
1E\ MRGPMREXMSR  PSRKMXYHMREPXVEZIVWI    ”
3TIVEXMRK ZSPXEKI SJ XLI MKRMXMSR  :
4S[IV MRXEOI SJ XLI MKRMXMSR  O;
3YXTYX ZSPXEKI EGVSWW EPXIVREXSV  :
'YVVIRX JPS[ JVSQ EPXIVREXSV  %
)QMWWMSR PMQMX ZEPYIW MR EGGSVHERGI )'
[MXL

*YIP W]WXIQ 2EQI :EPYI 9RMXW


8ERO GETEGMX]  P
6IWIVZI XERO  P

 8VEZIP L]HVEYPMGW

:EVMEFPI HMWTPEGIQIRX TYQT 2EQI :EPYI 9RMXW


8]TI %:+  (%
(MWTPEGIQIRX QE\  GQ—
*PS[ EX VEXIH IRKMRI WTIIH  PQMR

4VIWWYVI GYXSJJ  FEV

:EVMEFPI HMWTPEGIQIRX QSXSV 2EQI :EPYI 9RMXW


8]TI %:1  ,% 6
(MWTPEGIQIRX QE\  GQ—

 0-)&,)66 0


3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HEXE

 ;SVOMRK L]HVEYPMGW

'SRWXERX TYQT 2EQI :EPYI 9RMXW


8]TI  7< '
(MWTPEGIQIRX  GQ—
*PS[ EX VEXIH IRKMRI WTIIH  PQMR

'SRXVSP ZEPZI FPSGO 2EQI :EPYI 9RMXW


8]TI 71 
4VMQEV] TVIWWYVI VIPMIJ ZEPZI   FEV

4MPSX GSRXVSP YRMX 2EQI :EPYI 9RMXW


8]TI  8,* 

,]HVEYPMG XERO 2EQI :EPYI 9RMXW


,]HVEYPMG XERO 7XIIP GSRXEMRIV

 7XIIVMRK W]WXIQ

7IVZSWXEX 2EQI :EPYI 9RMXW


8]TI )EXSR  
(MWTPEGIQIRX  GQ—

 )PIGXVMGEP W]WXIQ


2EQI :EPYI 9RMXW
4S[IV WYTTP] ZSPXEKI  :
&EXXIV] ZSPXEKI  :
&EXXIV] GETEGMX]  %L
2YQFIV SJ FEXXIVMIW 3RI

 %\PIW

*VSRX E\PI 2EQI :EPYI 9RMXW


8]TI 

0 0-)&,)66 


4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HEXE

2EQI :EPYI 9RMXW


0SGOMRK ZEPYI SJ XLI WIPJPSGOMRK HMJ 
JIVIRXMEP
;LIIP FEWI  QQ
;LIIP PYK XMKLXIRMRK XSVUYI  2Q
;LIIP PYK WTERRIV WM^I  QQ

6IEV E\PI 2EQI :EPYI 9RMXW


8]TI 
0SGOMRK ZEPYI SJ XLI WIPJPSGOMRK HMJ 
JIVIRXMEP
%RKPI SJ W[MRK  ”
;LIIP PYK XMKLXIRMRK XSVUYI  2Q
;LIIP PYK WTERRIV WM^I  QQ

 8]VIW
*SV MRJSVQEXMSR GSRGIVRMRK q[LIIP PYK XMKLXIRMRK XSVUYIr ERH q[LIIP PYK
WTERRIV WM^Ir VIJIV XS XLI WIGXMSR q%\PIWr
8]VI WM^I ERH EMV TVIWWYVIW
8LI VIGSQQIRHIH X]VI WM^IW [MXL XLI GSVVIWTSRHMRK X]VI TVIWWYVIW EVI
PMWXIH MR XLI JSPPS[MRK XEFPIW
8LI X]VI TVIWWYVI WTIGMJMGEXMSRW EVI
i XLI ZEPYI WIX SR HIPMZIV] I\[SVOW
i FEWMG EMV TVIWWYVI VIGSQQIRHEXMSRW
8LI] VIPEXI XS GSPH X]VIW ERH XS E QEGLMRI [LMGL MW VIEH] JSV STIVEXMSR i
XLI FEWMG QEGLMRI [MXL WXERHEVH IUYMTQIRX ERH TIVQMXXIH PSEH
,MR[IMW *SV WTIGMEP ETTPMGEXMSRW WYGL EW WXSGO]EVH STIVEXMSRW [MXL
XMQFIV [LIVI LMKLIV PSEHMRK QE] FI I\TIGXIH E LMKLIV X]VI TVIWWYVI
MW VIGSQQIRHIH HITIRHMRK SR XLI WTIGMJMG PSEH
8LI X]VI TVIWWYVI QE] RSX LS[IZIV FI KVIEXIV XLER XLI QE\ TIVQMX
XIH EGGSVHMRK XS XLI X]VI QERYJEGXYVIVtW WTIGMJMGEXMSRW
(92034 i X]VIW 8]VI WM^I %MV TVIWWYVI  %MV TVIWWYVI  1E\ TIVQMW
JVSRX E\PI VIEV E\PI FEV WMFPI EMV TVIW
FEV WYVI FEV
 )   
 8+    
 )   
 )   
 6 748   
 6 748   
 6 748   
 6 748   
 6 748   
 6 748   
 6 748   

   0-)&,)66 0
3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HEXE

1-',)0-2 i X]VIW 8]VI WM^I %MV TVIWWYVI  %MV TVIWWYVI  1E\ TIVQMW
JVSRX E\PI VIEV E\PI FEV WMFPI EMV TVIW
FEV WYVI FEV
 6 <1 80   
 6 <1 80   
 6 <1 80   
 6 <1MRI   

7TIGMEP X]VIW 8]VI WM^I %MV TVIWWYVI  %MV TVIWWYVI  1E\ TIVQMWWM
JVSRX E\PI FEV VIEV E\PI FEV FPI EMV TVIW
WYVI FEV




8LI WTIGMJMGEXMSRW WLSYPH FI IRXIVIH EW JSPPS[W MR XLI XEFPI


 JVSQ XLI QERYJEGXYVIV -J XLI QEGLMRI MW HIPMZIVIH I\[SVOW [MXL WTIGMEP
X]VIW
 JVSQ XLI QEGLMRI STIVEXSV -J XLI QEGLMRI MW VIXVSJMXXIH F] XLI QEGLMRI

STIVEXSV

8]VIW JSV QEGLMRIW [MXL WTIGMEP 4EVXMGYPEVW 8]TI SJ WTIGMEP EXXEGLQIRXW


EXXEGLQIRXW





8]VI WM^I %MV TVIWWYVI  %MV TVIWWYVI  1E\ TIVQMWW


JVSRX E\PI FEV VIEV E\PI FEV FPI EMV TVIW
WYVI FEV




8LI WTIGMJMGEXMSRW WLSYPH FI IRXIVIH EW JSPPS[W MR XLI XEFPI



JVSQ XLI QERYJEGXYVIV -J XLI QEGLMRI MW HIPMZIVIH I\[SVOW [MXL WTIGMEP
X]VIW
 JVSQ XLI QEGLMRI STIVEXSV -J XLI QEGLMRI MW VIXVSJMXXIH F] XLI QEGLMRI

STIVEXSV

0 0-)&,)66   
4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HEXE

 'EF ,IEXMRK %MV GSRHMXMSRMRK W]WXIQ

(VMZIVtW WIEX 2EQI :EPYI 9RMXW


8]TI -76- i 
8]TI SJ WYWTIRWMSR KEWJMPPIH WTVMRK

,IEXMRK :IRXMPEXMSR 2EQI :EPYI 9RMXW


2YQFIV SJ FPS[IV WTIIHW 
,IEX SYXTYX  O;

%MVGSRHMXMSRMRK STXMSREP 2EQI :EPYI 9RMXW


8]TI ,IEXMRK  EMVGSRHM
XMSRMRK YRMX
6IJVMKIVERX 6E
'SSPMRK SYXTYX  • O;

 0MJX EVQ 5YMGOGLERKI HIZMGI

>FEV PMJX EVQ 2EQI :EPYI 9RMXW


0IRKXL  QQ

4PMJX EVQW 2EQI :EPYI 9RMXW


0IRKXL  QQ

5YMGOGLERKI HIZMGI L]HVEYPMG 2EQI :EPYI 9RMXW


EGXYEXMSR
'SRXVSP %HHMXMSREP GSRXVSP
PIZIV
7LYXSJJ 'LERKISZIV ZEPZI

5YMGOGLERKI HIZMGI IPIGXVSRMG 2EQI :EPYI 9RMXW


 L]HVEYPMG EGXYEXMSR [MXL IEW]
GSRXVSP
'SRXVSP 'SQJSVX GSRXVSP
7LYXSJJ 'LERKISZIV ZEPZI

   0-)&,)66 0
3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HEXE

 %XXEGLQIRXW %GGIWWSVMIW

0SEHMRK FYGOIX JSV > OMRIQEXMGW

1EMR HMQIRWMSRW
2EQI :EPYI 9RMXW
&  &YGOIX [MHXL  QQ
&  0SEHMRK HMQIRWMSR  QQ
,  ,IMKLX  QQ
0  0IRKXL [MXL XIIXL  QQ
0  0IRKXL [MXLSYX XIIXL  QQ
7TIGMJMG QEXIVMEP [IMKLX  XQ—
,IETIH FYGOIX GETEGMX] -73   Q—
1EWW  OK
8IIXL i 1-2->--  TMIGIW

0 0-)&,)66   
4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HEXE

0SEHMRK FYGOIX JSV TEVEPPIP


OMRIQEXMGW

1EMR HMQIRWMSRW
2EQI :EPYI 9RMXW
&  &YGOIX [MHXL  QQ
&  0SEHMRK HMQIRWMSR  QQ
,  ,IMKLX  QQ
0  0IRKXL [MXL XIIXL  QQ
0  0IRKXL [MXLSYX XIIXL  QQ
7TIGMJMG QEXIVMEP [IMKLX  XQ—
,IETIH FYGOIX GETEGMX] -73   Q—
1EWW  OK
8IIXL i 1-2->--  TMIGIW

   0-)&,)66 0
3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HEXE

 MR  FYGOIX JSV > OMRIQEXMOW

1EMR HMQIRWMSRW
2EQI :EPYI 9RMXW
&  &YGOIX [MHXL  QQ
,  ,IMKLX  QQ
0  0IRKXL [MXL XIIXL  QQ
7TIGMJMG QEXIVMEP [IMKLX  XQ—
,IETIH FYGOIX GETEGMX] -73   Q—
1EWW  OK
8IIXL i 1-2->--  TMIGIW
1E\ L]HVEYPMG STIVEXMRK TVIWWYVI  FEV

0 0-)&,)66   
4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HEXE

 MR  FYGOIX JSV 4 OMRIQEXMOW

1EMR HMQIRWMSRW
2EQI :EPYI 9RMXW
&  &YGOIX [MHXL  QQ
,  ,IMKLX  QQ
0  0IRKXL [MXL XIIXL  QQ
7TIGMJMG QEXIVMEP [IMKLX  XQ—
,IETIH FYGOIX GETEGMX] -73   Q—
1EWW  OK
8SSXLMRK i 1-2->--  TMIGIW
1E\ L]HVEYPMG STIVEXMRK TVIWWYVI  FEV

   0-)&,)66 0
3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HEXE

*SVOPMJX STXMSR JSV > OMRIQEXMGW

1EMR HMQIRWMSRW
2EQI :EPYI 9RMXW
4VSRK PIRKXL  QQ
0 i 0IRKXL JSVO GEVVMIV  TVSRKW  QQ
/ i *SVO GEVVMIV [MHXL  QQ
, i ,IMKLX JSVO GEVVMIV  TVSRKW  QQ
1EWW JSVO GEVVMIV  TVSRKW  OK

*SVOPMJX STXMSREP JSV TEVEPPIP


OMRIQEXMGW

1EMR HMQIRWMSRW
2EQI :EPYI 9RMXW
4VSRK PIRKXL  QQ
0 i 0IRKXL JSVO GEVVMIV  TVSRKW  QQ
/ i *SVO GEVVMIV [MHXL  QQ

0 0-)&,)66   
4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HEXE

2EQI :EPYI 9RMXW


, i ,IMKLX JSVO GEVVMIV  TVSRKW  QQ
1EWW JSVO GEVVMIV  TVSRKW  OK

   0-)&,)66 0
3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HIWGVMTXMSR

 8IGLRMGEP HIWGVMTXMSR

 'SQTPIXI QEGLMRI

;LIIP PSEHIV
8LI 7XIVIS PSEHIV’ 0 MW E JYPP] L]HVEYPMG [LIIP PSEHIV [MXL L]HVSWXEXMG
XVEZIP HVMZI W]WXIQ
8LI QEGLMRI MW EVXMGYPEXIH [MXL VIEV E\PI WXIIVEKI
(IWMKR ZEVMERXW SJ XLI QEGLMRI
i >FEV PMJX EVQ [MXL >FEV OMRIQEXMGW
i 4PMJX EVQW [MXL TEVEPPIPOMRIQEXMGW

 (MIWIP IRKMRI

(MIWIP IRKMRI
8LI HMIWIP QSXSV MW ER SMPEMVGSSPIH WXVSOI MRPMRI IRKMRI [MXL XYVFS
GLEVKMRK
8LI HMIWIP IRKMRI MW MRWXEPPIH XVERWZIVWP] SR XLI VIEV WIGXMSR ERH IPEWXMGEPP]
QSYRXIH SR VYFFIV FIEVMRKW
8LI GSSPMRK EMV MW WYGOIH MR F] ER E\MEP FPS[IV ZME E RSMWIEFWSVFMRK
WYGXMSR WLEJX MR XLI VIEV GSZIVMRK SJ XLI QEGLMRI ERH MW TEWWIH SR XS XLI
G]PMRHIV LIEHW 8LI SYXKSMRK EMV MW WIRX XS XLI SYXWMHI XLVSYKL XLI SMP
GSSPIV ERH XLVSYKL XLI SYXPIX RS^^PIW

*YIP W]WXIQ
8LI JYIP XERO MW PSGEXIH FILMRH XLI VMKLXLERH GEF EGGIWW

%MV JMPXIV W]WXIQ


8LI EMV JMPXIV YRMX SJ XLI HMIWIP IRKMRI MW HIWMKRIH XS TVIZIRX XLI TIRIXVE
XMSR SJ HYWX ERH ZEVMSYW SXLIV MQTYVMXMIW [MXL XLI MRPIX EMV MRXS XLI IRKMRI
8LI HIKVII SJ [IEV SR XLI IRKMRI HITIRHW XS E PEVKI HIKVII SR LS[
GPIER XLI MRPIX EMV MW -X MW XLIVIJSVI MQTSVXERX XLEX XLI EMV JMPXIVMRK YRMX MW
VIKYPEVP] MRWTIGXIH ERH WIVZMGIH
8LI HV] EMV JMPXIV [MXL WEJIX] GEVXVMHKI MW HIWMKRIH XS TVSZMHI QE\MQYQ
IRKMRI TVSXIGXMSR HYVMRK I\XIRHIH QEMRXIRERGI MRXIVZEPW

 'SSPMRK W]WXIQ

'SSPMRK W]WXIQ
8LI GSSPMRK W]WXIQ MW JMXXIH MR XLI IRKMRI GSQTEVXQIRX
8LI GSSPMRK W]WXIQ GSSPW XLI L]HVEYPMG JPYMH SJ XLI L]HVEYPMG W]WXIQ
8LI IPIGXVMGEPP] HVMZIR JER HVE[W MR GSSP EMV JVSQ SYXWMHI XLI GSSPIV YRMXW
JIIHMRK MX SZIV XLI GSSPMRK JMRW SR XLI GSSPIV ERH SZIV XLI HMIWIP IRKMRI
8LI WTIIH SJ XLI IPIGXVMGEPP] HVMZIR GSSPIV HITIRHW SR XLI XIQTIVEXYVI SJ
XLI L]HVEYPMG JPYMH

0 0-)&,)66   
4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HIWGVMTXMSR

 8VEZIP L]HVEYPMGW

8VEZIP L]HVEYPMGW
8LI HVMZI JVSQ XLI HMIWIP IRKMRI MW XVERWQMXXIH XS XLI XVEZIP KIEV ZME XLI
GSRXMRYSYW L]HVSWXEXMG HVMZI MR E GPSWIH GMVGYMX
8LMW MRTYX IREFPIW
i EYXSQEXMG EHETXEXMSR SJ XLI XVEZIP WTIIH XS XLI XVEGXMZI JSVGI MR IEGL
XVEZIP VERKI
i VETMH GLERKISZIV JVSQ JSV[EVH XVEZIP XS VIZIVWI XVEZIP F] QIERW SJ XLI
0-)&,)66 GSRXVSP PIZIV
i GSRXVSP SJ XLI XVEGXMZI JSVGI SV WTIIH F] QIERW SJ XLI KEW TIHEP ERH
XLI GSQFMRIH MRGL FVEOI TIHEP

:EVMEFPI HMWTPEGIQIRX TYQT


8LI ZEVMEFPI HMWTPEGIQIRX TYQT MW ER E\MEP TMWXSR TYQT [MXL E W[EWL
TPEXI HIWMKR 8LI JPS[ MW EHNYWXIH MR VIPEXMSR XS XLI IRKMRI WTIIH ERH PSEH
8LI JPS[ HMVIGXMSR SJ XLI TYQT MW HIXIVQMRIH F] XLI XVEZIP HMVIGXMSR ZEPZI

:EVMEFPI HMWTPEGIQIRX QSXSV


8LI ZEVMEFPI HMWTPEGIQIRX QSXSV [MXL E W[EWL TPEXI HIWMKR HVMZIW XLI
XVEZIP KIEV 8LI L]HVEYPMG VIKYPEXMSR SJ XLI HMWTPEGIQIRX IREFPIW E [MHI
EHNYWXQIRX VERKI
% PEVKI XVEGXMZI JSVGI EX E PS[ WTIIH MW EGLMIZIH EX XLI QE\MQYQ TMZSXMRK
ERKPI
8LI LMKLIWX WTIIH ERH XLI PS[IWX TSWWMFPI XVEGXMZI JSVGI SFXEMR EX XLI
QMRMQYQ TMZSXMRK ERKPI

 ;SVOMRK L]HVEYPMGW

;SVOMRK L]HVEYPMGW
8LI [SVOMRK L]HVEYPMGW W]WXIQW STIVEXIW MR ER STIR GMVGYMX 8LI KIEV
TYQT HVE[W SMP JVSQ XLI L]HVEYPMG XERO ERH HIPMZIVW MX XS XLI GSRXVSP ZEPZI
FPSGO
8LI GSRXVSP ZEPZI FPSGO MW L]HVEYPMGEPP] GSRXVSPPIH F] XLI TMPSX GSRXVSP
HIZMGI ERH HMVIGXW XLI SMP ZSPYQI XS XLI PMJX SV XMPX G]PMRHIVW

'SRWXERX TYQT
8LI GSRWXERX TYQT MW E KIEV TYQT 8LI WTIIHHITIRHIRX JPS[ SJ XLI
TYQT MW HMWXVMFYXIH XLVSYKL XLI MRXIKVEXIH JPS[ ZEPZI XS XS XLI [SVOMRK
L]HVEYPMGW ERH XLI WXIIVMRK

'SRXVSP ZEPZI FPSGO


(IV GSRXVSP ZEPZI FPSGO MW QSYRXIH SR XLI FEGO SJ XLI QEGLMRI 8LI WTSSP
ZEPZIW JSV XLI PMJX ERH XMPX G]PMRHIVW ERH JSV XLI UYMGOGLERKI HIZMGI EVI
MRXIKVEXIH MR XLI GSRXVSP ZEPZI FPSGO %R EHHMXMSREP YRMX [MXL WTSSP ZEPZIW
JSV EGGIWWSVMIW GER FI EXXEGLIH XS XLI I\MWXMRK GSRXVSP ZEPZI FPSGO
4VIWWYVI VIPMIJ ZEPZIW TVSXIGX XLI W]WXIQ JVSQ TVIWWYVI TIEOW

   0-)&,)66 0
3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HIWGVMTXMSR

4MPSX GSRXVSP
8LI [SVOMRK L]HVEYPMGW EVI GSRXVSPPIH YWMRK XLI 0-)&,)66 GSRXVSP PIZIV
8LI GSRXVSP ZEPZI FPSGO MW XLIVIF] L]HVEYPMGEPP] GSRXVSPPIH ZME XLI TMPSX
GSRXVSP ZEPZI
8LI TMPSX GSRXVSP ZEPZI MW WYTTPMIH [MXL SMP JVSQ XLI VITPIRMWLMRK TYQT ZME E
WLYXSJJ ZEPZI[SVOMRK L]HVEYPMGW WLYXSJJ  8LI TVIWIRGI SJ E L]HVS EGGY
QYPEXSV QIERW XLEX IZIR [LIR XLI HMIWIP IRKMRI MW EX VIWX XLI [SVOMRK
EXXEGLQIRXW GER FI STIVEXIH MR IQIVKIRGMIW JSV I\EQTPI XLI PMJX EVQ GER
FI PS[IVIH ERHSV XLI FYGOIX GER FI XMPXIH SYX
8LI JPSEX TSWMXMSR JYRGXMSR MW GSRXVSPPIH MR XLI TMPSX GSRXVSP YRMX F] QIERW SJ
E VIXEMRMRK WSPIRSMH

,]HVEYPMG XERO
8LI L]HVEYPMG XERO TVSZMHIW XLI HVMZI L]HVEYPMGW XLI [SVOMRK L]HVEYPMGW
ERH XLI WXIIVMRK W]WXIQ [MXL L]HVEYPMG SMP
8LI TYQTW HIPMZIV XLI SMP ZME GSRXVSP YRMXW XS XLI MRHMZMHYEP GSRWYQIVW ERH
VIXYVR MX XS XLI L]HVEYPMG XERO ZME XLI SMP GSSPIV 8LI SMP TEWWIW XLVSYKL XLI
VIXYVRWYGXMSR JMPXIV EW MX JPS[W FEGO
-R EHHMXMSR XLI JM\MRK FVEGOIXW JSV XLI I\LEYWX W]WXIQ ERH JSV XLI GSSPMRK
W]WXIQ EVI MRXIKVEXIH SR XLI WXIIP WIGXMSR SJ XLI L]HVEYPMG XERO

6IXYVRWYGXMSR JMPXIV
8LI VIXYVRWYGXMSR JMPXIV GPIERW XLI SMP EW MX JPS[W FEGO JVSQ XLI [SVOMRK
L]HVEYPMGW ERH XLI WXIIVMRK 8LI SMP JPS[W JVSQ XLI MRWMHI SYX[EVHW XLVSYKL
XLI JMPXIV
8LI JMPXIV EGXW WMQYPXERISYWP] EW E WYGXMSR JMPXIV JSV XLI VITPIRMWLMRK TYQT
SJ XLI L]HVSWXEXMG XVEZIP HVMZI

6IXYVR WXVEMRIV
8LI VIXYVR WXVEMRIV JMPXIVW E JVEGXMSR SJ XLI VIXYVRJPS[ SMP JVSQ XLI IRXMVI
L]HVEYPMG W]WXIQ 8LI JMPXIVIH SMP XLIR JPS[W FEGO XS XLI L]HVEYPMG XERO

 7XIIVMRK W]WXIQ

7XIIVMRK W]WXIQ
8LI QEGLMRI MW WXIIVIH F] E GSQFMREXMSR SJ EVXMGYPEXIH WXIIVMRK ERH VIEV
E\PI TMZSX WXIIVMRK 8LI WXIIVMRK G]PMRHIV TYWLIW XLI JVSRX ERH VIEV WIGXMSR
XSKIXLIV ZME XLI EVXMGYPEXIH NSMRX %X XLI WEQI XMQI XLI E\PI TMZSX WXIIVMRK
SJ XLI VIEV E\PI MW EGXYEXIH F] GSRRIGXMRK VSHW
8LI L]HVEYPMG WXIIVMRK W]WXIQ MW WYTTPMIH [MXL SMP JVSQ XLI [SVOMRK L]HVEY
PMGW TYQT ;LIR XLI WXIIVMRK [LIIP MW XYVRIH SMP QIXIVIH F] XLI WIVZSWXEX
MW HMVIGXIH XS XLI WXIIVMRK G]PMRHIVW

7XIIVMRK TYQT
8LI WXIIVMRK W]WXIQ MW WYTTPMIH [MXL SMP ZME XLI [SVOMRK L]HVEYPMGW TYQT
8LI SMP JPS[ JVSQ XLI [SVOMRK L]HVEYPMGW TYQT MW HMWXVMFYXIH EW VIUYMVIH XS
XLI [SVOMRK L]HVEYPMGW SV XLI WXIIVMRK W]WXIQ

7IVZSWXEX
8LI WIVZSWXEX MW EGXYEXIH F] XLI WXIIVMRK [LIIP ZME XLI WXIIVMRK GSPYQR
8LI QIXIVMRK TYQT MR XLI WIVZSWXEX HMVIGXW XLI SMP JPS[ JVSQ XLI [SVOMRK
L]HVEYPMGW TYQT XS XLI WXIIVMRK G]PMRHIVW -R XLI TVSGIWW XLI SMP ZSPYQI MW
TVIGMWIP] QIXIVIH XS IRLERGI XLI VIWTSRWMZIRIWW SJ XLI WXIIVMRK

0 0-)&,)66   
4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HIWGVMTXMSR

 &VEOI W]WXIQ

7IVZMGI FVEOI
8LI WIVZMGI FVEOI GSRWMWXW SJ E HYEP L]HVEYPMGQIGLERMGEP FVEOMRK W]WXIQ
8LI L]HVSWXEXMG XVEZIP HVMZI W]WXIQ [LIR VIZIVWIH EPWS EGXW EW E WIVZMGI
FVEOI 8LI L]HVSWXEXMG XVEZIP HVMZI W]WXIQ EGXW SR EPP  [LIIPW
8LI WIVZMGI FVEOI EGXW SR X[S FVEOI TEHW QSYRXIH MR XLI HVYQ FVEOIW EX
XLI MRTYX WLEJX SJ XLI JVSRX E\PI
8LI WIVZMGI FVEOI MW EGXMZEXIH F] SMP TVIWWYVI [LMGL MW FYMPX YT F] XLI
MRGL FVEOI TIHEP ZME XLI QEMR FVEOI G]PMRHIV
8LI EGXMSR SJ XLI WIVZMGI FVEOI SR XLI HVYQW FVEOIW MW MRHITIRHIRX SJ
HMIWIP IRKMRI VYRRMRK

4EVOMRK FVEOI
8LI TEVOMRK FVEOI EGXW SR X[S FVEOI TEHW QSYRXIH MR XLI HVYQ FVEOIW EX
XLI MRTYX WLEJX SJ XLI JVSRX E\PI
8LI TEVOMRK FVEOI MW STIRIH F] GEFPI GSRXVSP ERH GPSWIH F] WTVMRK JSVGI

 )PIGXVMGEP W]WXIQ

)PIGXVMGEP W]WXIQ
8LI QEGLMRI W IPIGXVMGEP W]WXIQ STIVEXIW EX  : 8LI FEXXIV] MW YRHIV
RIEXL XLI PIJXLERH GEF EGGIWW WXITW
8LI FEXXIV] QEMR W[MXGL MW MR XLI HVMZIV W GEF
;LIR XLI QEMR W[MXGL MW XYVRIH SJJ XLI [LSPI IPIGXVMGEP W]WXIQ MW WLYX
HS[R -J XLI QEMR W[MXGL MW XYVRIH SR ERH XLI WXEVX W[MXGL SR XLI MRWXVY
QIRX TERIP MW XYVRIH SJJ XLI FEXXIVMIW EVI WXMPP GSRRIGXIH XS XLI IPIGXVMGEP
W]WXIQ

 %\PIW 8]VIW

*VSRX E\PI
8LI JVSRX E\PI MW E JM\IH E\PI ERH MW VMKMHP] FSPXIH XS XLI JVSRX WIGXMSR
8LI E\PI MW IUYMTTIH [MXL E GIRXVEP XETIVIH KIEV [MXL ER MRXIKVEXIH
HMWGX]TI WIPJPSGOMRK HMJJIVIRXMEP 8LI TPERIXEV] JMREP HVMZIW EVI PSGEXIH MR
XLI [LIIP LYFW

6IEV E\PI
8LI VIEV E\PI MW E WXIIVMRK E\PI [MXL FYMPXMR XVERWJIV KIEV 8LI E\PI
XVERWJIV KIEV MW HVMZIR F] XLI ZEVMEFPI HMWTPEGIQIRX QSXSV 8LI SWGMPPEXMRK
E\PI GEWMRK MW MRXIKVEXIH MR XLI HMJJIVIRXMEP LSYWMRK MX MW QSYRXIH SR VSXEV]
FIEVMRKW MR XLI VIEV WIGXMSR
8LI E\PI MW IUYMTTIH [MXL E GIRXVEP XETIVIH KIEV [MXL ER MRXIKVEXIH
HMWGX]TI WIPJPSGOMRK HMJJIVIRXMEP 8LI TPERIXEV] JMREP HVMZIW EVI PSGEXIH MR
XLI [LIIP LYFW 8LI [LIIP LYFW GER FI VSXEXIH ZME XLI E\PI TMZSX WXIIVMRK
ERH EVI EGXYEXIH ZME GSRRIGXMRK VSHW

   0-)&,)66 0
3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HIWGVMTXMSR

8]VIW
8LI HVMZMRK TIVJSVQERGI SJ XLI QEGLMRI HITIRHW EQSRK SXLIV XLMRKW SR
XLI X]VIW
-X MW IWWIRXMEP XLEX XLI X]VIW SR EPP JSYV [LIIPW EVI SJ XLI WEQI WM^I ERH
X]TI
8LI GSVVIGX X]VI TVIWWYVI MW E HIGMWMZI JEGXSV JSV TIVJIGX QEGLMRI TIVJSV
QERGI MR STIVEXMSR ERH JSV LMKL X]VI QMPIEKI

7RS[ GLEMRW SV KYEVH GLEMRW


;LIR WRS[ GLEMRW SV KYEVH GLEMRW EVI YWIH XLIR XLI] QYWX FI EXXEGLIH
XS EPP JSYV [LIIPW
2SXI 2SRSFWIVZERGI GER VIWYPX MR HEQEKI XS XLI HVMZI W]WXIQ

 :ILMGPI JVEQI &EPPEWX [IMKLX

:ILMGPI JVEQI
8LI ZILMGPI JVEQI MW HMZMHIH FIX[IIR XLI JVSRX ERH VIEV WIGXMSRW 8LIWI
EVI PMROIH F] XLI EVXMGYPEXMSR FIEVMRK
*SV WXIIVMRK XLI ZILMGPI JVEQI MW TMZSXIH XS XLI PIJX SV VMKLX ZME XLI
EVXMGYPEXMSR FIEVMRK
8LI ZILMGPI JVEQI FIEVW ZEVMSYW FYMPXSR EWWIQFPMIW WYGL EW XLI HVMZIVtW
GEF PMJX EVQW ERH HVMZI EKKVIKEXIW

%VXMGYPEXMSR PSGO
8LI JVSRX ERH VIEV WIGXMSRW QYWX FI QIGLERMGEPP] PSGOIH XSKIXLIV MR GPSWI
TVS\MQMX] XS XLI EVXMGYPEXIH NSMRX [LIR XLI QEGLMRI MW WPYRK JVSQ E GVERI
ERH HYVMRK XVERWTSVX F] XVYGO SV VEMP EW [IPP EW JSV QEMRXIRERGI ERH VITEMV
[SVO
8LI NSMRX MW PSGOIH F] QIERW SJ E WEJIX] FEV
8LMW MW EXXEGLIH XS XLI VIEV WIGXMSR SR XLI PIJX RI\X XS XLI GEF EGGIWW
PEHHIV

 'EF ,IEXMRK %MV GSRHMXMSRMRK W]WXIQ

'EF
8LI GEF MW E WEJIX] GEF ERH LEW FIIR XIWXIH ERH GIVXMJMIH EGGSVHMRK XS
6347*347 VIKYPEXMSRW -X MW QSYRXIH SR WTVYRK FIEVMRKW SR XLI VIEV
WIGXMSR
8LI GEF MW IUYMTTIH [MXL LIEXMRK ERH ZIRXMPEXMSR W]WXIQW
%GGIWW XS XLI GEF MW JVSQ XLI PIJXLERH WMHI SJ XLI ZILMGPI ZME XLI GEF
EGGIWW ERH XLI PIJXLERH HSSV
-R IQIVKIRGMIW I\MXMRK XLVSYKL XLI VMKLXLERH HSSV MW EPWS TSWWMFPI

0 0-)&,)66   
4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HIWGVMTXMSR

(VMZIVtW WIEX
8LI IVKSRSQMGEPP] HIWMKRIH HVMZIV W WIEX SJJIVW E LMKL HIKVII SJ GSQJSVX
8LI EHNYWXEFPI WIEX FEGO WYTTSVX ERH WYWTIRWMSR QIER XLEX XLI HVMZIV
GER MRHMZMHYEPP] EHNYWX XLI WIEX JSV QE\MQYQ GSQJSVX
:MFVEXMSR HEQTMRK
8LI WIEX MRWXEPPIH MR XLI QEGLMRI GSVVIWTSRHW XS -73 
;LIR XLI QEGLMRI MW YWIH GSVVIGXP] XLI ZEPYIW SJ XLI ZMFVEXMSRW XVERWQMXXIH
F] XLI HVMZIV W WIEX EVI WQEPPIV SV IUYEP XS XLI WMQYPEXIH ZMFVEXMSRW JSV XLI
GSVVIWTSRHMRK QEGLMRI GPEWW MR EGGSVHERGI [MXL -73 
8LI ZEPYIW SJ XLI IZEPYEXIH ZMFVEXMSR EGGIPIVEXMSRW qE>; r QIEWYVIH EGGSVH
MRK XS -73  4EVX  XLYW JYPJMP XLI VIUYMVIQIRXW JSV TVSXIGXMSR EKEMRWX
[LSPI FSH] ZMFVEXMSRW EGGSVHMRK XS )2 

,IEXMRK :IRXMPEXMSR
8LI HVMZIV W GEF MW IUYMTTIH [MXL IRKMRI SMP LIEXMRK
8LI MRPIX EMV MW JMPXIVIH ZME SRI HV] JMPXIV GEVXVMHKI ERH HMVIGXIH XS XLI GEF
ZME XLI LIEXMRKEMVGSRHMXMSRMRK YRMX ERH XLI EHNYWXEFPI INIGXMSR RS^^PIW

%MVGSRHMXMSRMRK STXMSREP
%R EMVGSRHMXMSRMRK W]WXIQ GER FI MRWXEPPIH EW ER I\XVE
8LI MRPIX EMV MW JMPXIVIH ZME SRI HV] JMPXIV GEVXVMHKI ERH HMVIGXIH MRXS XLI GEF
ZME E ZETSVMWIV ERH LIEX I\GLERKIV ERH XLI EHNYWXEFPI SYXPIX RS^^PIW

 0MJX EVQ 5YMGOGLERKI HIZMGI

>FEV PMJX EVQ


8LI PMJX EVQ MW EXXEGLIH XS XLI JVSRX WIGXMSR SJ XLI QEGLMRI
8LI PMJX EVQ LEW E >OMRIQEXMG HIWMKR 8LEX MW XS WE] XLI XMPX G]PMRHIV
VIZIVWMRK PIZIV ERH GSRRIGXMRK FEV JSVQ E q>r 8LI q> JSVQr GER FI WIIR
JVSQ XLI VMKLXLERH WMHI
;MXL XLI PMJX EVQ [MXL >FEV OMRIQEXMGW RS TEVEPPIP PSEH QSZIQIRX MW
TSWWMFPI
8LI PMJXMRK KIEV MW IUYMTTIH [MXL ER L]HVEYPMG UYMGOGLERKI HIZMGI
>FEV OMRIQEXMGW 8[S PMJX G]PMRHIVW ERH E XMPX G]PMRHIV EVI EXXEGLIH XS XLI PMJX EVQ
8LI PMJX EVQ MW FSPXIH XS XLI JVSRX WIGXMSR ZME XLI FYGOIX EVQ FIEVMRKW ERH
XLI G]PMRHIV FIEVMRKW SR XLI G]PMRHIV FEWI WMHI
8LI FIEVMRK TSMRXW SR XLI PMJX EVQ EVI WIEPIH ERH TVSXIGXIH EKEMRWX [IEV
GEYWIH F] HMVX ERH GSVVSWMSR

   0-)&,)66 0
3TIVEXMRK QERYEP 4VSHYGX HIWGVMTXMSR
8IGLRMGEP HIWGVMTXMSR

4PMJX EVQW
8LI PMJX EVQ MW EXXEGLIH XS XLI JVSRX WIGXMSR SJ XLI QEGLMRI
8LI 4PMJX EVQW LEZI E TEVEPPIPOMRIQEXMG HIWMKR 8LEX MW XS WE] XLI PE]SYX
SJ XMPX G]PMRHIV ERH XLI FYGOIX EVQ JSVQW E TEVEPPIPSKVEQ
8LI TEVEPPIP OMRIQEXMGW IREFPI XLI PSEH XS FI OITX TEVEPPIP XS XLI KVSYRH
IK [MXL E JSVOPMJX SZIV XLI IRXMVI PMJXMRK VERKI
8LI PMJXMRK KIEV MW IUYMTTIH [MXL E QIGLERMGEP SV L]HVEYPMG STXMSREP
UYMGOGLERKI HIZMGI
% PMJX G]PMRHIV ERH E XMPX G]PMRHIV EVI EXXEGLIH XS XLI PMJXMRK EVQ
4OMRIQEXMGW
8LI PMJX EVQ MW FSPXIH XS XLI JVSRX WIGXMSR ZME XLI FYGOIX EVQ FIEVMRKW ERH
XLI G]PMRHIV FIEVMRKW SR XLI G]PMRHIV FEWI WMHI
8LI FIEVMRK TSMRXW SR XLI PMJX EVQ EVI WIEPIH ERH TVSXIGXIH EKEMRWX [IEV
GEYWIH F] HMVX ERH GSVVSWMSR

5YMGOGLERKI HIZMGI
8LI UYMGOGLERKI HIZMGI MW QSYRXIH SR XLI PMJXMRK KIEV SJ XLI QEGLMRI
-X MW HIWMKRIH XS JEGMPMXEXI XLI JEWX GLERKMRK SJ ZEVMSYW EXXEGLQIRXW SR XLI
PMJX EVQ
(IWMKR ZEVMERXW SJ XLI UYMGOGLERKI HIZMGI
i :EVMERX  ! QIGLERMGEP EGXYEXMSR
%GXYEXMSR YWMRK XLI PIZIV SR XLI UYMGOGLERKI HIZMGI
i :EVMERX  ! L]HVEYPMG EGXYEXMSR
%GXYEXMSR YWMRK ER EHHMXMSREP STIVEXMRK PIZIV
i :EVMERX  ! GSQFMRIH IPIGXVSRMG L]HVEYPMG EGXYEXMSR
IEW] GSRXVSP [MXL XLI FYXXSR SR XLI 0, STIVEXMRK PIZIV

 %XXEGLQIRXW %GGIWWSVMIW

0SEHMRK FYGOIX
8LI PSEHMRK FYGOIX MW SRI SJ E ZEVMIX] SJ EXXEGLQIRXW [LMGL GER FI
QSYRXIH SR XLI PMJX EVQ
8LI PSEHMRK FYGOIX MW TEVX SJ XLI WXERHEVH IUYMTQIRX SJ XLI QEGLMRI 8LI
FSXXSQ GYXXMRK IHKI MW WYTTPMIH MR E ZEVMIX] SJ HIWMKRW HITIRHMRK SR XLI
HITPS]QIRX GSRHMXMSRW
8LI PSEHMRK FYGOIX MW QSYRXIH SR XLI UYMGOGLERKI HIZMGI

MR FYGOIX STXMSREP


8LI MR FYGOIX MW SRI SJ WIZIVEP EXXEGLQIRXW [LMGL GER FI QSYRXIH SR
XLI PMJXMRK EVQ
8LI PSEHMRK FYGOIX MW QSYRXIH SR XLI UYMGOGLERKI HIZMGI
-X GER FI YWIH JSV TYWLMRK EW [IPP EW I\GEZEXMRK ERH PSEHMRK WGVET
KVMTTMRK E[O[EVH SFNIGXW JSV KVIEXIV HYQTMRK LIMKLXW EW ER I\GEZEXMRK
FYGOIX ERH JSV HITSWMXMRK IEVXL [LIR STIR EW [IPP EW JSV PIZIPMRK

0 0-)&,)66   
4VSHYGX HIWGVMTXMSR 3TIVEXMRK QERYEP
8IGLRMGEP HIWGVMTXMSR

*SVOPMJX STXMSREP
8LI JSVOPMJX MW SRI SJ E ZEVMIX] SJ EXXEGLQIRXW [LMGL GER FI QSYRXIH SR
XLI PMJX EVQ
8LI JSVOPMJX MW QSYRXIH SR XLI UYMGOGLERKI HIZMGI
8LI JSVOPMJX MW MRXIRHIH JSV TMGOMRK YT XVERWTSVXMRK ERH XVERWJIVVMRK TEPPIXW
ERH JSV WXEGOMRK NSFW

   0-)&,)66 0
 7EJIX] VIKYPEXMSRW

;SVOMRK SR XLI QEGLMRI MRZSPZIW TSWWMFPI VMWO XS PMJI ERH PMQF SJ XLI
STIVEXSV HVMZIV SV QEMRXIRERGI XIGLRMGMERW =SY GER GSRWMHIVEFP] VIHYGI
XLI VMWO SJ EGGMHIRXW F] EP[E]W VIEHMRK ERH SFWIVZMRK XLI ZEVMSYW WEJIX]
MRWXVYGXMSRW GEVIJYPP]
8LMW MW IWTIGMEPP] MQTSVXERX JSV TIVWSRRIP [LS SRP] SGGEWMSREPP] [SVO SR
XLI QEGLMRI JSV I\EQTPI GEVV]MRK SYX VMKKMRK SV QEMRXIRERGI [SVO
8LI WEJIX] VIKYPEXMSRW PMWXIH FIPS[ MJ GSRWGMIRXMSYWP] JSPPS[IH [MPP IRWYVI
]SYV S[R WEJIX] ERH XLEX SJ SXLIVW ERH [MPP TVIZIRX XLI QEGLMRI JVSQ
FIMRK HEQEKIH
;LIRIZIV XEWOW [LMGL GSYPH GEYWI HERKIV JSV TIVWSRRIP SV HEQEKI XS XLI
QEGLMRI EVI HIWGVMFIH MR XLMW QERYEP XLI RIGIWWEV] WEJIX] TVIGEYXMSRW
EVI I\TPEMRIH
8LIWI EVI MRHMGEXIH F] XLI LIEHMRKW i (ERKIV ;EVRMRK SV 'EYXMSR i 

 -RXVSHYGXMSR
 8LI W]QFSPW FIPS[ LEZI XLI JSPPS[MRK WMKRMJMGERGI
q(ERKIVr
;EVRMRK XLEX [MXLSYX ETTVSTVMEXI TVIGEYXMSRW GIVXEMR STIVEXMSREP TVSGI
HYVIW GSYPH VIWYPX MR JEXEP EGGMHIRXW
q;EVRMRKr
;EVRMRK XLEX [MXLSYX ETTVSTVMEXI TVIGEYXMSRW GIVXEMR STIVEXMSREP TVSGI
HYVIW GSYPH VIWYPX MR WIZIVI TL]WMGEP MRNYVMIW
q'EYXMSRr
;EVRMRK XLEX [MXLSYX ETTVSTVMEXI TVIGEYXMSRW GIVXEMR STIVEXMSREP
TVSGIHYVIW GSYPH VIWYPX MR PIWW WIZIVI TL]WMGEP MRNYVMIW SV HEQEKI XS XLI
QEGLMRI
 3FWIVZERGI SJ XLIWI MRWXVYGXMSRW HSIW RSX VIPMIZI ]SY SJ XLI VIWTSR
WMFMPMX] SJ JSPPS[MRK ER] EHHMXMSREP VYPIW ERH KYMHIPMRIW XLEX QE]
ETTP]
8LI JSPPS[MRK WLSYPH EPWS FI SFWIVZIH
i XLI WEJIX] VYPIW MR JSVGI EX XLI STIVEXMRK WMXI
i PIKEPP] IRJSVGIEFPI qXVEJJMG VIKYPEXMSRWr
i KYMHIPMRIW MWWYIH F] XLI IQTPS]IIW XVEHI EWWSGMEXMSRW

 +IRIVEP WEJIX] TVIGEYXMSRW


 *EQMPMEVMWI ]SYVWIPJ [MXL XLI q3TIVEXMRK QERYEPr FIJSVI WXEVXMRK YT XLI
QEGLMRI
1EOI WYVI XLEX ]SY EVI MR TSWWIWWMSR SJ ERH LEZI VIEH ERH YRHIVWXSSH
EHHMXMSREP MRWXVYGXMSRW ETTPMGEFPI XS ER] EGGIWWSV] IUYMTQIRX MRWXEPPIH SR
]SYV QEGLMRI
 3RP] I\TVIWWP] EYXLSVMWIH TIVWSRRIP QE] STIVEXI WIVZMGI SV VITEMV XLI
QEGLMRI
3FWIVZI XLI PIKEPP] IRJSVGIEFPI QMRMQYQ EKIW
 3RP] HITPS] XVEMRIH SV MRWXVYGXIH TIVWSRRIP GPIEVP] EWWMKR VIWTSRWMFMPMX] JSV
STIVEXMSR VMKKMRK QEMRXIRERGI ERH VITEMV [SVO

0 0-)&,)66 


7EJIX] VIKYPEXMSRW 3TIVEXMRK QERYEP
+IRIVEP WEJIX] TVIGEYXMSRW

 'PIEVP] IWXEFPMWL XLI HVMZIVtW VIWTSRWMFMPMXMIW EPWS MR VIWTIGX SJ XVEJJMG


VIKYPEXMSRW ERH IQTS[IV LMQ XS VIJYWI XS GEVV] SYX YRWEJI MRWXVYGXMSRW
JVSQ XLMVH TEVXMIW
 4IVWSRRIP YRHIVKSMRK XVEMRMRK MRWXVYGXMSR SV [LS EVI RSX ]IX JYPP] UYEPMJMIH
QE] SRP] FI EPPS[IH XS [SVO SR[MXL XLI QEGLMRI YRHIV GSRWXERX WYTIVZM
WMSR
 'LIGO SGGEWMSREPP] XLEX ]SYV TIVWSRRIP MR SFWIVZERGI SJ XLI q3TIVEXMRK
QERYEPr EVI [SVOMRK WEJIP] ERH EVI E[EVI SJ TSWWMFPI HERKIVW
 ;IEV WEJI [SVOMRK SZIVEPPW [LIR [SVOMRK SR SV [MXL XLI QEGLMRI
%ZSMH [IEVMRK VMRKW [VMWX [EXGLIW XMIW WGEVZIW STIR NEGOIXW PSSWI
GPSXLMRK ERH WS SR 8LIVI MW E VMWO SJ MRNYVMIW HYI JSV I\EQTPI XS FIMRK
GEYKLX SV FIMRK HVE[R MR
*SV GIVXEMR OMRHW SJ [SVO XLI JSPPS[MRK EVI TVIWGVMFIH WEJIX] KSKKPIW
WEJIX] FSSXW LEVH LEXW KPSZIW VIJPIGXMZI ZIWXW IEV TVSXIGXMSR  
 3FXEMR MRJSVQEXMSR EFSYX ER] WTIGMEP WEJIX] VIKYPEXMSRW MR JSVGI SRWMXI
JVSQ XLI WMXI QEREKIV
 (S RSX LSPH SRXS XLI WXIIVMRK GSPYQR XLI GSRXVSP TERIP SV XLI GSRXVSP
PIZIVW [LIR KIXXMRK SR SV SJJ
8LMW GER VIWYPX MR YRJSVIWIIR QSZIQIRXW F] XLI QEGLMRI [LMGL GSYPH MR
XYVR PIEH XS EGGMHIRXW
 2IZIV NYQT HS[R JVSQ XLI QEGLMRI 9WI XLI WXITW PEHHIVW ERH KERK[E]W
TVSZMHIH JSV KIXXMRK SR ERH SJJ
 *EQMPMEVMWI ]SYVWIPJ [MXL XLI IQIVKIRG] I\MX XLVSYKL XLI VMKLXLERH GEF
HSSV ERHSV VIEV [MRHS[
 -J RS SXLIV MRWXVYGXMSRW EVI MR IJJIGX TVSGIIH EW JSPPS[W [MXL QEMRXIRERGI
ERH VITEMV [SVO
4VSGIHYVI
i TEVO XLI QEGLMRI SR JMVQ PIZIP KVSYRH ERH WIX XLI [SVOMRK EXXEGLQIRX
HS[R SR XLI KVSYRH
i QSZI EPP GSRXVSP PIZIVW XS RIYXVEP
i WLYX HS[R XLI IRKMRI ERH XEOI SYX XLI MKRMXMSR OI]
 &IJSVI GSQQIRGMRK ER] [SVO SR XLI L]HVEYPMG GMVGYMX ]SY QYWX EPWS
EGXYEXI EPP WIVZS GSRXVSP HIZMGIW NS]WXMGO ERH TIHEPW MR FSXL HMVIGXMSRW MR
SVHIV XS VIHYGI XLI GSRXVSP TVIWWYVI ERH FEROIH YT TVIWWYVI MR XLI
STIVEXMRK GMVGYMXW =SY QYWX XLIR VIHYGI XLI MRXIVREP XERO TVIWWYVI
 0SGO XLI [SVOMRK L]HVEYPMGW XS TVIZIRX YRJSVIWIIR EGXYEXMSR FIJSVI PIEZMRK
XLI HVMZIVtW GEF
&PSGO XLI [SVOMRK L]HVEYPMGW MR EGGSVHERGI [MXL XLI MRWXVYGXMSRW MR XLI
q3TIVEXMRK QERYEPr
 7IGYVI EPP PSSWI GSQTSRIRXW SR XLI QEGLMRI
 2IZIV WXEVX YT E QEGLMRI [MXLSYX JMVWX QEOMRK E XLSVSYKL XSYV SJ MRWTIGXMSR
ERH GLIGO MJ ER] [EVRMRK WMKRW EVI QMWWMRK SV MPPIKMFPI
 3FWIVZI EPP WMKRW FIEVMRK HERKIV SV WEJIX] MRWXVYGXMSRW
 8LI QEGLMRI QYWX FI TVSZMHIH [MXL WTIGMJMG WEJIX] HIZMGIW JSV WTIGMEP
HITPS]QIRXW -R XLMW GEWI SRP] STIVEXI XLI QEGLMRI [LIR XLIWI LEZI
FIIR MRWXEPPIH ERH EVI JYPP] JYRGXMSREP
 (S RSX QEOI ER] QSHMJMGEXMSRW I\XIRWMSRW SV GSRZIVWMSRW XS XLI QEGLMRI
[MXL TSWWMFPI WEJIX] MQTPMGEXMSRW [MXLSYX XLI ETTVSZEP SJ XLI WYTTPMIV 8LMW
EPWS ETTPMIW XS XLI MRWXEPPEXMSR ERH EHNYWXQIRX SJ WEJIX] IUYMTQIRX ERH
ZEPZIW EW [IPP EW JSV [IPHMRK [SVO SR PSEH FIEVMRK GSQTSRIRXW

 0-)&,)66 0


3TIVEXMRK QERYEP 7EJIX] VIKYPEXMSRW
'SVVIGX YWEKI

 'SVVIGX YWEKI


 ;LIR IUYMTTIH [MXL WXERHEVH PSEHMRK FYGOIX JSVOPMJX SV KVEF XLI [LIIP
PSEHIV MW HIWMKRIH I\GPYWMZIP] JSV PSSWIRMRK TMGOMRK YT XVERWJIVVMRK PSEH
MRK ERH HYQTMRK IEVXL WXSRI VSGO JVEKQIRXW SV SXLIV QEXIVMEPW ERH
PSEHMRK XLI WEQI SRXS XVYGOW WLMTW GSRZI]SV FIPXW SV GVYWLMRK MRWXEPPE
XMSRW
 %R] SXLIV YWI SV E YWI KSMRK FI]SRH XLMW WYGL EW FVIEOMRK YT VSGO
HVMZMRK MR TSWXW XVERWTSVXMRK TIVWSRRIP IXG GSYRXW EW MQTVSTIV YWI
8LI QERYJEGXYVIVWYTTPMIV EGGITXW RS PMEFMPMX] JSV ER] MRNYV] SV HEQEKI
VIWYPXMRK JVSQ XLI EFSZI
8LI VMWO MW FSVRI F] XLI YWIV EPSRI
 1EGLMRIW YWIH JSV PMJXMRK TYVTSWIW EVI WYFNIGX XS WTIGMEP GSRHMXMSRW ERH
QYWX EQSRK SXLIV XLMRKW FI IUYMTTIH [MXL XLI TVIWGVMFIH WEJIX] IUYMT
QIRX
 4VSTIV YWI EPWS MRGPYHIW SFWIVZERGI SJ XLI q3TIVEXMRK QERYEPr ERH
EHLIVIRGI XS XLI MRWTIGXMSR ERH QEMRXIRERGI GSRHMXMSRW

 (IGEPW SR XLI QEGLMRI


 =SYV QEGLMRI LEW WIZIVEP X]TIW SJ HIGEPW
8]TIW SJ HIGEPW
i WEJIX] HIGEPW
i MRJSVQEXMSR HIGEPW
i X]TI TPEXIW
8LIMV GSRXIRXW ERH PSGEXMSRW EVI HIWGVMFIH FIPS[
8LI SVHIV RYQFIVW EVI MRGPYHIH MR XLI WTEVI TEVXW PMWX

0 0-)&,)66 


7EJIX] VIKYPEXMSRW 3TIVEXMRK QERYEP
(IGEPW SR XLI QEGLMRI

 0E]SYX SJ HIGEPW

0E]SYX SJ HIGEPW
 WXIIVMRK HIGEP  FVEOI JPYMH HIGEP  X]TI TPEXI i QEGLMRI
 TEVOMRK FVEOI HIGEP SRSJJ  6347 HIGEP  HIGEP JSV PEWLMRK TSMRX
 ') HIGEP  ZSPXEKI HIGEP  HIGEP JSV [SVOMRK L]HVEYPMGW
 RSMWI SYXTYX HIGEP i 0;%  LIEXMRK HIGEP  [SVOMRK L]HVEYPMGW FPSGOMRK
 HIGEP JSV WPMRKMRK  PMJXMRK TSMRX  PSMXIV [EVRMRK HIGEP HIGEP
 WTIIH PMQMX HIGEP   EVXMGYPEXMSR EVIE [EVRMRK HIGEP  PYFVMGERX GLEVX
 GSSPIV YRMX HIGEP  JSVOPMJX HIGEP  EGGMHIRX TVIZIRXMSR HIGEP
 IRKMRI WXERHWXMPP HIGEP  GEF ZIRXMPEXMSR HIGEP

 7EJIX] HIGEP


 2SRSFWIVZERGI SJ XLI WEJIX] HIGEP GER VIWYPX MR WIVMSYW SV IZIR JEXEP
MRNYVMIW
8LI WEJIX] HIGEPW WLSYPH FI GSRXMRYSYWP] GLIGOIH JSV GSQTPIXIRIWW ERH
PIKMFMPMX]
1MWWMRK SV MPPIKMFPI WEJIX] HIGEPW WLSYPH FI VITPEGIH MQQIHMEXIP]

 0-)&,)66 0


3TIVEXMRK QERYEP 7EJIX] VIKYPEXMSRW
(IGEPW SR XLI QEGLMRI

0SMXIV [EVRMRK HIGEPW


(IGEP  MW EJJM\IH SYXWMHI SR XLI PIJX WMHI SJ XLI HVMZIV W GEF
;EVRW SJ VMWO SJ EGGMHIRXW TSWWMFP] VIWYPXMRK MR WIZIVI SV IZIR JEXEP
MRNYVMIW
1IERMRK 6IQEMRMRK MR XLI HERKIV EVIE MW TVSLMFMXIH

)RKMRI WXERHWXMPP HIGEP


(IGEP  MW EJJM\IH I\XIVREPP] XS XLI IRKMRI GSQTEVXQIRX LSSH SR XLI PIJX
;EVRW SJ VMWO SJ EGGMHIRXW TSWWMFP] VIWYPXMRK MR WIZIVI MRNYVMIW
1IERMRK 3RP] STIR [LIR XLI IRKMRI MW WLYX HS[R

%VXMGYPEXMSR EVIE [EVRMRK HIGEP


(IGEP  MW EJJM\IH SYXWMHI SR XLI PIJX ERH VMKLX MR XLI EVXMGYPEXMSR EVIE
;EVRW SJ VMWO SJ EGGMHIRXW TSWWMFP] VIWYPXMRK MR WIZIVI SV IZIR JEXEP
MRNYVMIW
1IERMRK 6IQEMRMRK MR XLI EVXMGYPEXMSR EVIE MW TVSLMFMXIH [LIR XLMW MW
YRPSGOIH

%GGMHIRX TVIZIRXMSR HIGEP


(IGEP  MW EXXEGLIH XS XLI VMKLXLERH WMHI SJ XLI HVMZIV W GEF
6IJIVW XS VIKYPEXMSRW MR XLI q3TIVEXMRK QERYEPr JSV EGGMHIRX TVIZIRXMSR
1IERMRK ;LIR STIVEXMRK XLI QEGLMRI XLI VIKYPEXMSRW MR XLI STIVEX
MRK QERYEP JSV EGGMHIRX TVIZIRXMSR QYWX FI JSPPS[IH TVIGMWIP]

7XIIVMRK HIGEP
(IGEP  MW EXXEGLIH XS XLI PIJXLERH WMHI SJ XLI HVMZIV W GEF
;EVRW SJ VMWO SJ EGGMHIRXW TSWWMFP] VIWYPXMRK MR WIZIVI SV IZIR JEXEP
MRNYVMIW
1IERMRK 8LI WXIIVMRK MW SRP] STIVEXMSREP [LIR XLI IRKMRI MW VYRRMRK

;SVOMRK L]HVEYPMGW FPSGOMRK HIGEP


(IGEP  MW EXXEGLIH XS XLI VMKLXLERH WMHI SJ XLI HVMZIV W GEF
;EVRW SJ VMWO SJ EGGMHIRXW TSWWMFP] VIWYPXMRK MR WIZIVI SV IZIR JEXEP
MRNYVMIW
1IERMRK 8LI WEJIX] PIZIV QYWX FI MR XLI YT TSWMXMSR [LIR XLI HVMZIV
PIEZIW LMW WIEX SV MR XVEJJMG

0 0-)&,)66 


7EJIX] VIKYPEXMSRW 3TIVEXMRK QERYEP
(IGEPW SR XLI QEGLMRI

 -RJSVQEXMSR HIGEPW


 8LI MRJSVQEXMSR HIGEPW VIJIV XS GIVXEMR JEGXW MR VIWTIGX SJ XLI STIVEXMSR
QEMRXIRERGI ERH TVSTIVXMIW SJ XLI QEGLMRI

1EVO SJ GSRJSVQMX] HIGEP  ')


(IGEP  MW EJJM\IH MRWMHI XLI PIJXLERH [MRHS[ SJ XLI HVMZIV W GEF
-RHMGEXIW GSRJSVQMX] [MXL )9 VIKYPEXMSRW  QEGLMRI KYMHIPMRIW

2SMWI SYXTYX HIGEP i 0;%


(IGEP  MW EJJM\IH MRWMHI XLI PIJXLERH [MRHS[ SJ XLI HVMZIV W GEF
7TIGMJMIW XLI 0;% i WSYRH TVIWWYVI PIZIP SJ XLI QEGLMRI MR HIGMFIPW
=SY GER JMRH XLI ZEPYI SR XLI WMKR SR XLI QEGLMRI

'SSPIV YRMX HIGEP


(IGEP  MW EJJM\IH I\XIVREPP] XS XLI IRKMRI GSQTEVXQIRX LSSH SR XLI PIJX
6IJIVW XS GPIERMRK XLI GSSPMRK W]WXIQ

 0-)&,)66 0


3TIVEXMRK QERYEP 7EJIX] VIKYPEXMSRW
(IGEPW SR XLI QEGLMRI

(IGEP JSV WPMRKMRK  PMJXMRK TSMRX


(IGEP  MW EJJM\IH XS XLI WPMRKMRKPMJXMRK TSMRXW SR XLI QEGLMRI
6IJIV XS XLI WIGXMSR q7PMRKMRK XLI QEGLMRI JVSQ E GVERIr
6IJIVW XS XLI WPMRKMRK PMJXMRK TSMRXW SR XLI QEGLMRI

:SPXEKI HIGEP
(IGEP  MW EXXEGLIH XS XLI PIJXLERH WMHI SJ XLI QEGLMRI
-RHMGEXIW XLI EGXMZEXMSR SJ XLI FEXXIV] QEMR W[MXGL

(IGEP JSV PEWLMRK TSMRX


(IGEP  MW EJJM\IH XS XLI PEWLMRK TSMRXW SR XLI QEGLMRI
6IJIV XS XLI WIGXMSR q8VERWTSVXMRK XLI QEGLMRI F] XVYGO SV VEMPr
6IJIVW XS XLI PEWLMRK TSMRXW SR XLI QEGLMRI

7TIIH PMQMX HIGEP 


(IGEP  MW EJJM\IH XS XLI VIEV SJ XLI QEGLMRI ERH SR XLI WMHIW XS XLI PIJX
ERH VMKLXLERH WMHI SJ XLI FEPPEWX [IMKLX
6IJIVW XS XLI TIVQMXXIH WTIIH PMQMX JSV XLI QEGLMRI

0 0-)&,)66 


7EJIX] VIKYPEXMSRW 3TIVEXMRK QERYEP
(IGEPW SR XLI QEGLMRI

,IEXMRK HIGEP
(IGEP  MW EXXEGLIH XS XLI VIEV PIJXLERH WMHI SJ XLI HVMZIV W GEF
-RHMGEXIW XLI EGXMZEXMSR SJ XLI QSXSVSMP LIEXMRK

4EVOMRK FVEOI HIGEP i SRSJJ


(IGEP  MW EJJM\IH XS XLI TEVOMRK FVEOI GSRXVSP TERIP MR XLI GEF
-X MRHMGEXIW XLI STIVEXMRK HMVIGXMSR qSRSJJr SJ XLI TEVOMRK FVEOI

0YFVMGERX GLEVX
(IGEP  MW EXXEGLIH XS XLI HSSV SR XLI PIJXLERH GEF HSSV
*MKYVI i WII XLI WIGXMSR q1EMRXIRERGIr
-RHMGEXIW XLI QEMRXIRERGI TSMRXW ERH MRXIVZEPW MR VIPEXMSR XS PYFVMGERXW ERH
STIVEXMRK QEXIVMEPW JSV XLI QEGLMRI

6347 HIGEP
(IGEP  MW EJJM\IH XS XLI PIJX SJ XLI HVMZIV W WIEX
-RHMGEXIW XLI QE\MQYQ PSEHMRK SJ XLI VSPPFEV WXVYGXYVI

(IGEP JSV [SVOMRK L]HVEYPMGW


(IGEP  MW EXXEGLIH XS XLI VMKLXLERH WMHI SJ XLI HVMZIV W GEF
-RHMGEXIW XLI HMVIGXMSRW MR [LMGL XLI 0, GSRXVSP PIZIV GER FI QSZIH

 0-)&,)66 0


3TIVEXMRK QERYEP 7EJIX] VIKYPEXMSRW
(IGEPW SR XLI QEGLMRI

'EF ZIRXMPEXMSR HIGEP


(IGEP  MW EXXEGLIH XS XLI VMKLXLERH WMHI SJ XLI HVMZIV W GEF
-RHMGEXIW XLI PIZIV TSWMXMSR JSV JVIWL SV VIGMVGYPEXIH EMV

*SVOPMJX HIGEP
(IGEP  MW EJJM\IH SR XLI VMKLXLERH WMHI MR XLI VIEV SJ XLI HVMZIV W GEF
-X MRHMGEXIW XLI QE\MQYQ PSEH [LIR MR JSVOPMJX QSHI

&VEOI JPYMH HIGEP


(IGEP  MW EXXEGLIH XS XLI GSSPIV MR XLI IRKMRI GSQTEVXQIRX
-X MRHMGEXIW XLI FVEOIJPYMH WTIGMJMGEXMSRW 3RP] YWI QMRIVEP QSXSV SMP 7%)
;

0 0-)&,)66 


7EJIX] VIKYPEXMSRW 3TIVEXMRK QERYEP
(IGEPW SR XLI QEGLMRI

 8]TI TPEXIW


 % X]TI TPEXI MW EXXEGLIH XS XLI QEGLMRI ERH MRHMZMHYEP GSQTSRIRXW WYGL
EW XLI HMIWIP IRKMRI KIEVFS\ E\PIW IXG

1EGLMRI X]TI TPEXI


8LI HIGEP  MW EJJM\IH XS XLI VMKLXLERH WMHI SJ XLI JVSRX WIGXMSR
(IXEMPW SR XLI X]TI TPEXI
i 8]TI
i :ILMGPI -( 2S
i 4IVQMWWMFPI XSXEP [IMKLX
i =IEV SJ GSRWXVYGXMSR
i 4IVQMWWMFPI JVSRX E\PI PSEH
i 4IVQMWWMFPI VIEV E\PI PSEH
i )RKMRI SYXTYX
8]TI TPEXI
i 1E\MQYQ WTIIH
i ,SQSPSK RS JSV -XEPMER ZIVWMSR SRP]
i 4IVQMWWMFPI XVEMPIV [IMKLX JSV -XEPMER ZIVWMSR SRP]

1EGLMRI X]TI TPEXI  -XEPMER ZIV


WMSR

 -RWXVYGXMSRW JSV EZSMHMRK GVYWLMRK


MRNYVMIW ERH FYVRW
 (S RSX [SVO FIPS[ XLI [SVOMRK EXXEGLQIRX YRXMP MX LEW FIIR WIGYVIP] WIX
HS[R SR XLI KVSYRH SV MW WYTTSVXIH
 (S RSX YWI ER] VSTIW SV GLEMRW [LMGL EVI HEQEKIH SV [MXL MRWYJJMGMIRX
PSEH FIEVMRK GETEGMX]
;IEV TVSXIGXMZI KPSZIW [LIR LERHPMRK [MVI LE[WIVW
 ;LIR [SVOMRK [MXL XLI EXXEGLQIRX RIZIV EPMKR XLI FSVILSPIW [MXL ]SYV
JMRKIVW MRWXIEH YWI E WYMXEFPI QERHVIP JSV XLMW TYVTSWI
 1EOI WYVI XLEX [LIR XLI IRKMRI MW VYRRMRK RS SFNIGXW GSQI MRXS GSRXEGX
[MXL XLI JER
3FNIGXW [LMGL JEPP SV TVSNIGX MRXS XLI JER [MPP FI GEXETYPXIH SYX SV HIWXVS]IH
ERH GSYPH HEQEKI XLI JER
 %X STIVEXMRK XIQTIVEXYVI XLI IRKMRI GSSPMRK W]WXIQ MW LSX ERH YRHIV
TVIWWYVI
%ZSMH GSRXEGX [MXL TEVXW GEVV]MRK GSSPMRK [EXIV
8LIVI MW E VMWO SJ FYVRW
 (S RSX EXXIQTX XS GLIGO XLI GSSPMRK [EXIV PIZIP YRXMP XLI WGVI[ GSZIV SJ
XLI I\TERWMSR GSRXEMRIV MW GSSP IRSYKL XS XSYGL
3TIR XLI GSZIV GEVIJYPP] XS VIPIEWI XLI I\GIWW TVIWWYVI
 %X EVSYRH STIVEXMRK XIQTIVEXYVI XLI IRKMRI ERH L]HVEYPMG SMP EVI LSX

   0-)&,)66 0
3TIVEXMRK QERYEP 7EJIX] VIKYPEXMSRW
-RWXVYGXMSRW JSV EZSMHMRK GVYWLMRK MRNYVMIW ERH FYVRW

(S RSX PIX LSX SMP SV TEVXW GSRHYGXMRK SMP GSQI MRXS HMVIGX GSRXEGX [MXL ]SYV
WOMR
 ;IEV WEJIX] KSKKPIW ERH TVSXIGXMZI KPSZIW [LIR [SVOMRK SR XLI FEXXIV]
%ZSMH WTEVOW ERH REOIH JPEQIW
 2IZIV PIX XLI PSEHMRK FYGOIX SV SXLIV [SVOMRK EXXEGLQIRXW FI QSZIH MRXS
TSWMXMSR F] LERH
 &IJSVI VIEGLMRK MRXS XLI IRKMRI GSQTEVXQIRX WIGYVI XLI IRKMRI GSQTEVX
QIRX LEXGLIW EKEMRWX YRJSVIWIIR HVSTTMRK SV GPSWMRK [MXL XLI WXVYXW TVS
ZMHIH JSV XLMW TYVTSWI
 &IJSVI WXEVXMRK YT XLI ZILMGPI XLI IRKMRI GSQTEVXQIRX LEXGLIW ERH XLI
FEXXIV] GSRXEMRIV GSZIVW WLSYPH FI GPSWIH ERH PSGOIH
 2IZIV KIX YRHIV XLI QEGLMRI [LIR XLMW MW TVSTTIH YT SR XLI [SVOMRK
EXXEGLQIRX [MXLSYX JMVWX WIGYVIP] WYTTSVXMRK XLI YRHIVGEVVMEKI SR [SSHIR
FMPPIXW

 -RWXVYGXMSRW JSV EZSMHMRK JMVIW ERH


I\TPSWMSRW
 ;LIR VIJYIPPMRK XLI IRKMRI QYWX FI WLYX HS[R 7LYX HS[R ER] EY\MPMEV]
LIEXMRK W]WXIQW
 (S RSX WQSOI ERH EZSMH REOIH JPEQIW [LIR VIJYIPPMRK SV [LIR RIEV
FEXXIVMIW [LMPI XLI] EVI FIMRK VIGLEVKIH
 %P[E]W JSPPS[ XLI MRWXVYGXMSRW MR XLI q3TIVEXMRK QERYEPr [LIR WXEVXMRK
XLI IRKMRI
 'LIGO XLI IPIGXVMGEP W]WXIQ
-QQIHMEXIP] VIGXMJ] EPP JEYPXW WYGL EW PSSWI GSRRIGXMSRW [SVR GEFPIW SV
FYVRXSYX JYWIW ERH FYPFW
 (S RSX XVERWTSVX ER] JPEQQEFPI PMUYMHW SR XLI QEGLMRI I\GITX MR XLI XEROW
HIHIGEPIH JSV XLMW TYVTSWI
 6IKYPEVP] GLIGO EPP PIEHW LSWIW ERH GSYTPMRKW JSV PIEOW ERH HEQEKI
 -QQIHMEXIP] VITEMV XLI PIEOW ERH VITPEGI XLI HIJIGXMZI GSQTSRIRXW
3MP IWGETMRK YRHIV TVIWWYVI JVSQ PIEOW GER IEWMP] PIEH XS JMVIW
 )RWYVI XLEX EPP WYTTSVXW ERH TVSXIGXMZI TPEXIW EVI TVSTIVP] MRWXEPPIH WS EW
XS EZSMH ZMFVEXMSRW EFVEWMSR ERH LIEX HEQQMRK
 7XEVXMRK TMPSX IXLIV MW E WTIGMEP JMVI LE^EVH
2IZIV IQTPS] ZSPEXMPI KEWFEWIH GSPH WXEVXMRK EMHW MR XLI TVS\MQMX] SJ LIEX
WSYVGIW REOIH JPEQIW IK GMKEVIXXIW SV MR TSSVP] ZIRXMPEXIH WTEGIW
 *EQMPMEVMWI ]SYVWIPJ [MXL XLI STIVEXMSR ERH PSGEXMSR SJ JMVI I\XMRKYMWLIVW
ERH SFXEMR MRJSVQEXMSR SR XLI JMVI EPEVQ ERH JMVI JMKLXMRK STXMSRW EZEMPEFPI
SR WMXI

 -RWXVYGXMSRW JSV WXEVXMRK YT WEJIP]


 )EGL XMQI FIJSVI WXEVXMRK YT [EPO EVSYRH XLI QEGLMRI GEVV]MRK SYX E
XLSVSYKL MRWTIGXMSR
 'LIGO XLI QEGLMRI JSV PSSWI FSPXW GVEGOW [IEV PIEOW ERH QEPMGMSYW
HEQEKI
 2IZIV EXXIQTX XS WXEVX YT E HIJIGXMZI QEGLMRI
 )RWYVI XLEX ER] HIJIGXW EVI VIGXMJMIH MQQIHMEXIP]

0 0-)&,)66   
7EJIX] VIKYPEXMSRW 3TIVEXMRK QERYEP
-RWXVYGXMSRW JSV WXEVXMRK YT WEJIP]

 )RWYVI XLEX EPP LSSHW ERH GSZIVW EVI GPSWIH ERH PSGOIH 'LIGO XLEX EPP
[EVRMRK ERH MRJSVQEXMSR HIGEPW EVI TVIWIRX
 1EOI WYVI XLEX XLI GEF [MRHS[W ERH MRWMHI ERH SYXWMHI QMVVSVW EVI GPIER
ERH WIGYVI XLI HSSVW ERH [MRHS[W EKEMRWX YRJSVIWIIR QSZIQIRXW
 1EOI WYVI XLEX RSFSH] MW [SVOMRK SR SV YRHIV XLI QEGLMRI ;EVR TIVWSRW
MR XLI ZMGMRMX] XLEX XLI QEGLMRI MW FIMRK WXEVXIH YT
 %JXIV KIXXMRK MRXS XLI HVMZIVtW GEF EHNYWX XLI WIEX XLI MRWMHI ERH SYXWMHI
QMVVSVW XLI GSRXVSP PIZIV ERH XLI WEJIX] FIPX WS XLEX ]SY GER [SVO GSQ
JSVXEFP]
 %GSYWXMG TVSXIGXMSR IUYMTQIRX SR XLI QEGLMRI QYWX FI EGXMZEXIH HYVMRK
STIVEXMSR

 7EJIX] TVIGEYXMSRW EX WXEVXYT


 &IJSVI WXEVXMRK GLIGO XLEX EPP TMPSX PEQTW ERH MRWXVYQIRXW EVI [SVOMRK
TIVJIGXP]
1SZI EPP GSRXVSP PIZIVW XS RIYXVEP
 &IJSVI WXEVXMRK XLI IRKMRI FVMIJP] WSYRH XLI LSVR XS [EVR SXLIV TIVWSRW MR
XLI ZMGMRMX] SJ XLI QEGLMRI
 3RP] IZIV WXEVX XLI QEGLMRI JVSQ XLI HVMZIVtW WIEX
 9RPIWW SXLIV[MWI MRWXVYGXIH WXEVX XLI IRKMRI MR EGGSVHERGI [MXL XLI
MRWXVYGXMSRW MR XLI q3TIVEXMRK QERYEPr
 7XEVX XLI IRKMRI ERH XLIR GLIGO EPP HMWTPE] ERH QSRMXSVMRK HIZMGIW
 2IZIV VYR XLI IRKMRI MR ER IRGPSWIH WTEGI YRPIWW MX MW WYJJMGMIRXP]
ZIRXMPEXIH
-J RIGIWWEV] STIR HSSVW ERH [MRHS[W XS KYEVERXII ER EHIUYEXI WYTTP] SJ
JVIWL EMV
 6YR XLI IRKMRI YRXMP FSXL MX ERH XLI L]HVEYPMG SMP EVI EX STIVEXMRK XIQTIVE
XYVI PS[ SMP XIQTIVEXYVIW PIEH XS E WPYKKMWL TIVJSVQERGI
 'LIGO XLEX XLI GSRXVSP JSV XLI [SVOMRK EXXEGLQIRX MW JYRGXMSRMRK TIVJIGXP]
 (VMZI XLI QEGLMRI GEVIJYPP] XS ER STIR WTEGI ERH XLIR GLIGO XLEX XLI
WIVZMGI FVEOI XLI WXIIVMRK ERH XLI WMKREP ERH PMKLXMRK IUYMTQIRX EVI EPP
JYRGXMSRMRK TVSTIVP]

 -RWXVYGXMSRW JSV WEJI [SVOMRK


 &IJSVI GSQQIRGMRK [SVO EGUYEMRX ]SYVWIPJ [MXL XLI WTIGMEP JIEXYVIW SJ
XLI FYMPHMRK WMXI EW [IPP EW WTIGMEP VIKYPEXMSRW ERH [EVRMRK WMKREPW
8LI [SVOMRK IRZMVSRQIRX MRGPYHIW JSV I\EQTPI ER] SFWXEGPIW MR XLI
[SVOMRK EVIE ERH SR EGGIWW VSEHW XLI PSEH FIEVMRK GETEGMX] SJ XLI
KVSYRH ERH ER] GSVHSRMRK SJJ XS WIGYVI XLI WMXI JVSQ XLI TYFPMG VSEHW
 %P[E]W QEMRXEMR WYJJMGMIRX WEJIX] GPIEVERGI JVSQ SZIVLERKW IHKIW WPSTIW
ERH YRWXEFPI KVSYRH
 &I IWTIGMEPP] GEVIJYP [LIR XLI KVSYRH GSRHMXMSRW EVI ZEVMEFPI [LIR ]SYV
JMIPH SJ ZMWMSR MW VIWXVMGXIH SV [LIR XLI [IEXLIV GSRHMXMSRW EVI GLERKIEFPI
 *EQMPMEVMWI ]SYVWIPJ [MXL XLI TSWMXMSR SJ XLI YXMPMX] WYTTP] PMRIW SR XLI WMXI
ERH FI IWTIGMEPP] GEVIJYPP] [LIR [SVOMRK MR TVS\MQMX] XS XLIQ -J RIGIW
WEV] MRJSVQ XLI VIWTSRWMFPI EYXLSVMXMIW
 1EMRXEMR E WYJJMGMIRX WEJIX] GPIEVERGI JVSQ SZIVLIEH TS[IV PMRIW

   0-)&,)66 0
3TIVEXMRK QERYEP 7EJIX] VIKYPEXMSRW
-RWXVYGXMSRW JSV WEJI [SVOMRK

;LIR [SVOMRK MR GPSWI TVS\MQMX] XS SZIVLIEH TS[IV PMRIW FI IWTIGMEPP]


GEVIJYP RSX XS PIX XLI [SVOMRK EXXEGLQIRX KIX GPSWI XS XLI PMRIW

i 8LIVI MW E VMWO SJ q*%8%0 -2.96-)7r


i 3FXEMR MRJSVQEXMSR EFSYX XLI WEJIX] GPIEVERGIW XS FI SFWIVZIH

-J ]SY HS GSQI MRXS GSRXEGX [MXL PMZI TS[IV PMRIW


i (S RSX EXXIQTX XS PIEZI XLI QEGLMRI
i -J TSWWMFPI HVMZI XLI QEGLMRI E WYJJMGMIRX HMWXERGI E[E] JVSQ XLI
HERKIV EVIE
i ;EVR SXLIVW RSX XS GSQI GPSWI SV XS XSYGL XLI QEGLMRI
i %VVERKI JSV PMRIW XS FI HIIRIVKM^IH
i (S RSX KIX SYX SJ XLI QEGLMRI YRXMP ]SY EVI GIVXEMR XLEX XLI GSR
XEGXIHHEQEKIH TS[IV PMRI MW ZSPXEKI JVII
 &IJSVI HVMZMRK SV [SVOMRK [MXL XLI QEGLMRI EP[E]W QEOI WYVI XLEX XLI
EGGIWWSVMIW LEZI FIIR WXS[IH E[E] WS EW XS TVIZIRX EGGMHIRXW
 ;LIR HVMZMRK SR TYFPMG VSEHW TEXLW ERH WTEGIW SFWIVZI XLI ETTPMGEFPI
XVEJJMG VIKYPEXMSRW ERH MJ RIGIWWEV] QEOI WYVI XLEX XLI QEGLMRI MW VSEH
[SVXL]
 %P[E]W XYVR SR XLI PMKLXW [LIR ZMWMFMPMX] MW TSSV SV MR HEVORIWW
 (S RSX EPPS[ ER]FSH] XS VMHI SR XLI QEGLMRI
 3RP] [SVO [LIR WIEXIH ERH [MXL ]SYV WIEX FIPX JEWXIRIH
 6ITSVX EPP QEPJYRGXMSRW ERH IRWYVI XLEX EPP RIGIWWEV] VITEMVW EVI GEVVMIH
SYX MQQIHMEXIP]
 4IVWSREPP] IRWYVI XLEX RSFSH] GSYPH TSWWMFP] FI IRHERKIVIH [LIR ]SY
WIX XLI QEGLMRI MR QSXMSR
 &IJSVI WXEVXMRK [SVO GLIGO XLI FVEOI W]WXIQ MR EGGSVHERGI [MXL XLI
VIKYPEXMSRW MR XLI q3TIVEXMRK QERYEPr
 2IZIV PIEZI XLI HVMZIVtW WIEX [LIR XLI QEGLMRI MW WXMPP MR QSXMSR
 2IZIV PIEZI XLI QEGLMRI YRQSRMXSVIH [LIR XLI IRKMRI MW VYRRMRK
 ;LIR MR QSXMSR PS[IV XLI [SVOMRK EXXEGLQIRX MRXS XLI XVERWTSVX TSWMXMSR
ERH OIIT XLI PSEH EW GPSWI XS XLI KVSYRH EW TSWWMFPI
 %ZSMH QSZIQIRXW [LMGL GSYPH GEYWI XLI QEGLMRI XS XMT SZIV
-J XLI QEGLMRI WLSYPH WXEVX XS XMPX SV WPMHI XS SRI WMHI WIX HS[R XLI [SVOMRK
EXXEGLQIRX MQQIHMEXIP] ERH XYVR XLI QEGLMRI WS XLEX MX MW JEGMRK HS[RLMPP
;LIVIZIV TSWWMFPI [SVO YT SV HS[RLMPP ERH RSX TIVTIRHMGYPEV XS XLI
WPSTI
 (VMZI GEVIJYPP] SR VSGO] SV W[EQT] KVSYRH SV SR WPSTIW
 3RP] HVMZI HS[RLMPP [MXLMR XLI TIVQMXXIH WTIIH PMQMX SXLIV[MWI ]SY GSYPH
PSSWI GSRXVSP SZIV XLI QEGLMRI
8LI IRKMRI QYWX FI VYRRMRK EX XLI VEXIH WTIIH ERH XLI XVEZIP WTIIH QE]
SRP] FI VIHYGIH F] QIERW SJ XLI KEW TIHEPW
7LMJX HS[R XS XLI PS[IWX KIEV FIJSVI VIEGLMRK XLI WPSTI HSRtX [EMX YRXMP
]SY EVI EGXYEPP] SR MX
 ;LIR PSEHMRK E XVYGO MRWMWX XLEX XLI HVMZIV PIEZIW LMW GEF IZIR [LIR
WXSRI MQTEGX TVSXIGXMSR MW TVSZMHIH
 ;MXL HIQSPMXMSR [SVO GPIEVERGI GVERI STIVEXMSR IXG EP[E]W YWI XLI
TVSXIGXMZI IUYMTQIRX TVSZMHIH JSV XLIWI WTIGMJMG HITPS]QIRXW
 ;LIVI ZMWMSR MW VIWXVMGXIH ERH [LIRIZIV MX MW RIGIWWEV] KIX ER EWWMWXERX XS
KMZI ]SY HMVIGXMSRW JVSQ SYXWMHI
3RP] PIX SRI TIVWSR KMZI ]SY HMVIGXMSRW
 3RP] EWWMKR I\TIVMIRGIH TIVWSRRIP [MXL VIWTSRWMFMPMX] JSV WPMRKMRK PSEHW
ERH HMVIGXMRK GVERI STIVEXSVW
8LI FEROWQER WLSYPH VIQEMR MR ZMWYEP GSRXEGX [MXL XLI STIVEXSV SV EX XLI
ZIV] PIEWX FI MR EYHMS GSRXEGX [MXL LMQ

0 0-)&,)66   
7EJIX] VIKYPEXMSRW 3TIVEXMRK QERYEP
7EJIX] MRWXVYGXMSRW JSV HVMZMRK SR WPSTIW

 7EJIX] MRWXVYGXMSRW JSV HVMZMRK SR


WPSTIW
 3R HS[R[EVH WPSTIW EP[E]W HVMZI GEVIJYPP] ERH RIZIV EX XST WTIIH EW
SXLIV[MWI ]SY GSYPH PSSWI GSRXVSP SZIV XLI QEGLMRI
8VEZIP WTIIHW
i 8LI XVEZIP WTIIH PMQMXW WTIGMJMIH MR XLI q3TIVEXMRK QERYEPr QYWX
RIZIV FI I\GIIHIH
i )\GIIHMRK XLI QE\ WTIIH PMQMX GEYWIW XLI TIVQMXXIH PMQMXW XS FI
I\GIIHIH JSV EPP VSXEXMRK TEVXW WYGL EW XLI HVMZI IRKMRI XLI GEVHER
WLEJX EPP KIEVW MRGPYWMZI SJ E\PIW ERH YPXMQEXIP] XLI HMIWIP IRKMRI MXWIPJ
 8LIVIJSVI FIJSVI HVMZMRK SRXS E WPSTI E XVEZIP VERKI KIEV WLSYPH FI
TVIZMSYWP] WIPIGXIH MR [LMGL XLI QEGLMRI GER GSQJSVXEFP] QEREKI XLI
[LSPI WPSTI [MXLSYX IRHERKIVMRK SXLIV XVEJJMG XLI HVMZIV SV XLI QEGLMRI
MXWIPJ
 ;LIR HVMZMRK SR WPSTIW ]SY WLSYPH EPWS IEWI SJJ XLI KEW TIHEP

 4EVOMRK WEJIP]


 -J TSWWMFPI SRP] TEVO XLI QEGLMRI SR JMVQ PIZIP KVSYRH
-J MX QYWX FI TEVOIH SR E WPSTI XLIR XLI QEGLMRI WLSYPH FI WIGYVIH
EKEMRWX VSPPMRK E[E] [MXL [IHKIW
 -J XLI QEGLMRI LEW ER EVXMGYPEXIH HIWMKR XLI EVXMGYPEXMSR PSGO QYWX FI
MRWXEPPIH
;MXL [LIIP PSEHIVW XLMW ETTPMIW XS QEGLMRIW [MXL EVXMGYPEXIH WXIIVMRK
 0S[IV XLI [SVOMRK EXXEGLQIRX ERH PMKLXP] ERGLSV XLI HMKKMRK EXXEGLQIRX MR
XLI KVSYRH
 1SZI EPP GSRXVSP PIZIVW MRXS RIYXVEP TSWMXMSR ERH IRKEKI XLI TEVOMRK FVEOI
 7LYX HS[R XLI IRKMRI MR EGGSVHERGI [MXL XLI MRWXVYGXMSRW MR XLI q3TIVEX
MRK QERYEPr
 0SGO XLI [SVOMRK L]HVEYPMGW FIJSVI PIEZMRK XLI HVMZIVtW GEF
&PSGO XLI [SVOMRK L]HVEYPMGW MR EGGSVHERGI [MXL XLI MRWXVYGXMSRW MR XLI
q3TIVEXMRK QERYEPr
 7IGYVI EPP PSGOW SR XLI QEGLMRI XEOI SYX EPP OI]W ERH WIGYVI MX EKEMRWX
YREYXLSVMWIH YWI ERH ZERHEPMWQ

 8VERWTSVXMRK XLI QEGLMRI WEJIP]


 3RP] YWI WYMXEFPI QIERW SJ XVERWTSVX ERH PMJXMRK HIZMGIW [MXL WYJJMGMIRX
PMJXMRK GETEGMX]
 4EVO XLI QEGLMRI SR E JPEX WYVJEGI ERH [IHKI XLI XVEGOW SV [LIIPW
WIGYVIP]
 -J RIGIWWEV] HMWQERXPI TEVX SJ XLI [SVOMRK EXXEGLQIRX JSV XLI HYVEXMSR SJ
XVERWTSVX
 8LI VEQT JSV HVMZMRK SRXS E PS[ PSEHIV WLSYPH LEZI ER MRGPMREXMSR SJ RS
QSVI XLER ” ERH WLSYPH FI GSZIVIH [MXL [SSHIR FSEVHW XS TVIZIRX
WPMTTMRK
 'PIER XLI QEGLMRI XVEGOW  [LIIPW SJ WRS[ MGI ERH QYH FIJSVI HVMZMRK
SRXS XLI VEQT

   0-)&,)66 0
3TIVEXMRK QERYEP 7EJIX] VIKYPEXMSRW
8VERWTSVXMRK XLI QEGLMRI WEJIP]

 &IJSVI HVMZMRK SR PSGO XLI WYTIVWXVYGXYVI XS XLI YRHIVGEVVMEKI [MXL XLI
PSGOMRK TMR
4VSGIHYVI RSX ETTPMGEFPI [MXL [LIIP PSEHIV
 %PMKR XLI QEGLMRI TVIGMWIP] [MXL XLI PSEHMRK PEQT
 %XXEGL XLI LERH PIZIVW XS XLI KEW TIHEPW JSV QSVI VIWTSRWMZI GSRXVSP
4VSGIHYVI RSX ETTPMGEFPI [MXL [LIIP PSEHIV
 % FEROWQER QYWX KMZI XLI QEGLMRI HVMZIV XLI VIUYMVIH HIGEPW
(VMZI GEVIJYPP] SRXS XLI VEQT ERH XLIR SRXS XLI XVERWTSVX ZILMGPI MXWIPJ
 ,EZI [IHKIW VIEH] MR GEWI XLI QEGLMRI WXEVXW XS VSPP FEGO [LMPI SR XLI
VEQT
 6IXVEGX XLI [SVOMRK EXXEGLQIRX ERH HVMZI SRXS XLI PSEHMRK VEQT
%P[E]W OIIT XLI [SVOMRK EXXEGLQIRX EW GPSWI EW TSWWMFPI XS XLI PSEHMRK
FIH
 %JXIV PSEHMRK WIX HS[R XLI [SVOMRK EXXEGLQIRX SR XLI PSEHMRK FIH
-RWXEPP XLI EVXMGYPEXMSR PSGO XLMW MW SRP] ETTPMIW XS [LIIP PSEHIVW [MXL
EVXMGYPEXIH WXIIVMRK
 7IGYVI XLI QEGLMRI ERH XLI VIQEMRMRK MRHMZMHYEP GSQTSRIRXW [MXL GLEMRW
ERH [IHKIW EKEMRWX WPMHMRK 
 (ITVIWWYVMWI XLI TVIWWYVI PMRIW XEOI SYX XLI WXEVXMRK OI] PSGO XLI HVMZIVtW
GEF  ERH WMHI TERIPW ERH PIEZI XLI QEGLMRI
 %GUYEMRX ]SYVWIPJ [MXL XLI VSYXI FIJSVI XVERWTSVX IWTIGMEPP] MR VIPEXMSR XS
[MHXL LIMKLX ERH [IMKLX PMQMXW
 1EOI WTIGMEP RSXI SJ ER] SZIVLIEH TS[IV PMRIW FVMHKIW ERH XYRRIPW IR
VSYXI
 4VSGIIH [MXL XLI WEQI GEVI [LIR YRPSEHMRK EW [MXL PSEHMRK
4VSGIHYVI
i VIQSZI EPP GLEMRW ERH [IHKIW
i 7XEVX XLI IRKMRI MR EGGSVHERGI [MXL XLI MRWXVYGXMSRW MR XLI q3TIVEXMRK
QERYEPr
i HVMZI GEVIJYPP] SJJ XLI PSEHMRK FIH HS[R E VEQT
i OIIT XLI [SVOMRK EXXEGLQIRX EW GPSWI EW TSWWMFPI XS XLI KVSYRH
i KIX WSQISRI XS KMZI ]SY LERH WMKREPW

 8S[MRK XLI QEGLMRI WEJIP]


 %P[E]W SFWIVZI XLI GSVVIGX TVSGIHYVI MR EGGSVHERGI [MXL XLI MRWXVYGXMSRW
MR XLI q3TIVEXMRK QERYEPr WII XLI WIGXMSR q8S[MRK XLI QEGLMRIr
 8LI QEGLMRI QE] SRP] FI XS[IH MR I\GITXMSREP GMVGYQWXERGIW MR SVHIV
JSV I\EQTPI XS QSZI XLI QEGLMRI E[E] JVSQ E HERKIVSYWP] I\TSWIH
TSWMXMSR JSV VITEMVW
 ;LIR XS[MRK GLIGO XLEX EPP EXXEGLQIRX ERH XS[MRK HIZMGIW EVI WEJI ERH
WIGYVI
 8LI VSTI SV XS[ FEV YWIH JSV XS[MRK QYWX LEZI E WYJJMGMIRX XIRWMPI WXVIRKXL
ERH FI JIH XLVSYKL XLI FSVILSPIW TVSZMHIH JSV XLMW TYVTSWI MR XLI JVSRX
WIGXMSR
-R RS IZIRX GER HEQEKI SV EGGMHIRXW VIWYPXMRK JVSQ XS[MRK FI GSZIVIH F]
XLI QERYJEGXYVIVtW KYEVERXII
-RWXVYGXMSRW JSV XS[MRK F] VSTI
i QEOI WYVI XLEX RSFSH] VIQEMRW MR XLI ZMGMRMX] SJ XLI XEYX VSTI
i OIIT XLI VSTI XEYX ERH EZSMH OMROW
i GEVIJYPP] HVE[ XLI VSTI YRXMP MX FIGSQIW XEYX
i WYHHIR NIVOW GER GEYWI E WPEGO VSTI XS VYTXYVI

0 0-)&,)66   
7EJIX] VIKYPEXMSRW 3TIVEXMRK QERYEP
8S[MRK XLI QEGLMRI WEJIP]

 ;LIR XS[MRK QEMRXEMR XLI TVIWGVMFIH XVERWTSVX TSWMXMSR SFWIVZI WTIIH


PMQMXW ERH TIVQMXXIH VSYXIW
 ;LIR WXEVXMRK XLI QEGLMRI YT EKEMR TVSGIIH MR EGGSVHERGI [MXL XLI
MRWXVYGXMSRW MR XLI q3TIVEXMRK QERYEPr

 1IEWYVIW JSV IRWYVMRK WEJI


QEMRXIRERGI
 2IZIV EXXIQTX QEMRXIRERGI SV VITEMV [SVO YRPIWW ]SY EVI JYPP] GSQTIXIRX
 3FWIVZI XLI TVIWGVMFIH TIVMSHW SV XLSWI WTIGMJMIH MR XLI q3TIVEXMRK
QERYEPr JSV G]GPMGEP GLIGOWMRWTIGXMSRW
%R ETTVSTVMEXIP] IUYMTTIH [SVOWLST MW ER EFWSPYXI RIGIWWMX] JSV XLI
TVSTIV I\IGYXMSR SJ QEMRXIRERGI [SVO
 ;LS QYWX SV QE] GEVV] SYX [LEX NSFW MW TVIGMWIP] HIJMRIH MR XLI XEFPI EX
XLI IRH SJ XLMW q3TIVEXMRK QERYEPr
8LI NSFW PMWXIH YRHIV qHEMP]  [IIOP]r MR XLI QEMRXIRERGI WGLIHYPI GER
FI GEVVMIH SYX F] XLI HVMZIV SV F] WIVZMGI TIVWSRRIP
8LI VIQEMRMRK NSFW QE] SRP] FI GEVVMIH SYX F] WTIGMEPMWX XIGLRMGMERW [MXL
ETTVSTVMEXI XVEMRMRK
 7TEVI TEVXW QYWX QIIX XLI XIGLRMGEP VIUYMVIQIRXW WIX F] XLI QERYJEG
XYVIV 8LMW MW EP[E]W KYEVERXIIH F] XLI YWI SJ SVMKMREP WTEVI TEVXW
 ;IEV WEJIX] SZIVEPPW JSV QEMRXIRERGI [SVO *SV GIVXEMR NSFW MR EHHMXMSR XS
E LEVH LEX ERH WEJIX] FSSXW WEJIX] KSKKPIW ERH TVSXIGXMZI KPSZIW EVI
VIUYMVIH
 /IIT YREYXLSVMWIH TIVWSRW E[E] JVSQ XLI QEGLMRI HYVMRK QEMRXIRERGI
[SVO
 7IX YT ER I\XIRHIH GSVHSR EVSYRH XLI QEMRXIRERGI EVIE [LIR RIGIW
WEV]
 -RJSVQ STIVEXMRK TIVWSRRIP MR EHZERGI SJ WTIGMEPMWX ERH QEMRXIRERGI [SVO
(IWMKREXI WYTIVZMWSV] WXEJJ
 9RPIWW SXLIV[MWI WTIGMJMIH MR XLI q3TIVEXMRK QERYEPr GEVV] SYX EPP QEMR
XIRERGI [SVO SR XLI QEGLMRI SR JMVQ PIZIP KVSYRH [MXL XLI IRKMRI WLYX
HS[R
 %JXIV[EVHW EP[E]W VIXMKLXIR XLVIEHIH GSYTPMRKW PSSWIRIH HYVMRK QEMR
XIRERGI ERH VITEMV [SVO
 -J WEJIX] IUYMTQIRX LEW XS FI HMWQERXPIH JSV VMKKMRK QEMRXIRERGI ERH
VITEMV [SVO MX XLIR QYWX FI VIMRWXEPPIH ERH GLIGOIH EW WSSR EW XLI
VIWTIGXMZI NSF MW JMRMWLIH
 ;LIR YRHIVXEOMRK QEMRXIRERGI NSFW IWTIGMEPP] [SVO YRHIV XLI QEGLMRI
EXXEGL E [EVRMRK HIGEP q(3 238 7;-8', 32r XS XLI MKRMXMSR [LIVI MX MW
GPIEVP] ZMWMFPI 8EOI SYX XLI WXEVXMRK OI]
 'PIER XLI QEGLMRI SJ SMP JYIP SV WIVZMGI JPYMHW IWTIGMEPP] JVSQ GSYTPMRKW
ERH XLVIEHIH GSRRIGXMSRW (S RSX YWI VIEGXMZI GPIERMRK EKIRXW 9WI
JMFVIJVII GPSXLW
 &IJSVI WXEVXMRK ER] [IPHMRK FYVRMRK SV KVMRHMRK [SVO SR XLI QEGLMRI
VIQSZI EPP HYWX ERH JPEQQEFPI QEXIVMEPW JVSQ XLI QEGLMRI ERH IRWYVI
XLEX XLIVI MW WYJJMGMIRX ZIRXMPEXMSR
3XLIV[MWI XLIVI MW E VMWO SJ q)<4037-32r
 &IJSVI GPIERMRK XLI QEGLMRI [MXL [EXIV WXIEQ NIXW LMKL TVIWWYVI GPIER
IVW SV SXLIV GPIERMRK EKIRXW GSZIVXETI HS[R EPP STIRMRKW MRXS [LMGL RS
[EXIVWXIEQGPIERMRK EKIRX QE] TIRIXVEXI JSV VIEWSRW SJ WEJIX]STIVEXMSR
EP GSRWMHIVEXMSRW

   0-)&,)66 0
3TIVEXMRK QERYEP 7EJIX] VIKYPEXMSRW
1IEWYVIW JSV IRWYVMRK WEJI QEMRXIRERGI

-X MW IWTIGMEPP] MQTSVXERX XS TVSXIGX IPIGXVMG QSXSVW GSRXVSP GEFMRIXW ERH


FEXXIV] GEWMRKW
*YVXLIV TVSGIHYVI
i QEOI WYVI XLEX HYVMRK GPIERMRK [SVO SR XLI QEGLMRI LSYWMRKW XLI
XIQTIVEXYVI WIRWSVW JSV XLI JMVI EPEVQ ERH I\XMRKYMWLIV W]WXIQW HS RSX
GSQI MRXS GSRXEGX [MXL LSX GPIERMRK EKIRX SXLIV[MWI XLI JMVI I\XMRKYMWL
MRK W]WXIQ GSYPH FI EGXMZEXIH
i EJXIV GPIERMRK GSQTPIXIP] VIQSZI XLI GSZIVWXETIW
i EJXIV GPIERMRK GLIGO EPP JYIP IRKMRI SMP ERH L]HVEYPMG SMP PMRIW JSV PIEOW
PSSWI GSRRIGXMSRW EFVEWMSR ERH HEQEKI
i VIGXMJ] ER] HIJIGXW EW WSSR EW XLI] EVI HMWGSZIVIH
 2SXI XLI WEJIX] VIKYPEXMSRW [LMGL ETTP] XS XLI VIWTIGXMZI TVSHYGX [LIR
LERHPMRK SMPW KVIEWIW ERH SXLIV GLIQMGEP WYFWXERGIW
 1EOI WYVI XLEX STIVEXMRK ERH EY\MPMEV] QEXIVMEPW EW [IPP EW VITPEGIH TEVXW
EVI HMWTSWIH SJ WEJIP] MR ER IRZMVSRQIRXEPP] JVMIRHP] QERRIV
 8EOI GEVI [LIR LERHPMRK LSX STIVEXMRK ERH EY\MPMEV] QEXIVMEPW HERKIV SJ
FYVRW ERH WGEPHMRK 
 3RP] STIVEXI MRXIVREP GSQFYWXMSR IRKMRIW ERH JYIP FYVRMRK LIEXMRK W]W
XIQW MR WTEGIW [MXL WYJJMGMIRX ZIRXMPEXMSR &IJSVI WXEVXMRK YT MR ER IRGPSWIH
WTEGI QEOI WYVI XLEX XLI ZIRXMPEXMSR MW WYJJMGMIRX 3FWIVZI XLI PSGEPP]
ETTPMGEFPI VIKYPEXMSRW
 3RP] GEVV] SYX [IPHMRK FYVRMRK ERH KVMRHMRK [SVO SR XLI QEGLMRI MJ XLMW
LEW FIIR I\TVIWWP] ETTVSZIH 8LIVI MW JSV I\EQTPI E VMWO SJ JMVI ERHSV
I\TPSWMSRW
 %ZSMH PMJXMRK LIEZ] GSQTSRIRXW F] ]SYVWIPJ %P[E]W YWI WYMXEFPI PMJXMRK
IUYMTQIRX [MXL WYJJMGMIRX PSEH FIEVMRK GETEGMX] JSV XLMW TYVTSWI
4VSGIHYVI
i GEVIJYPP] JM\ ERH WIGYVI MRHMZMHYEP GSQTSRIRXW ERH PEVKIV EWWIQFPMIW XS
XLI PMJXMRK EMHW [LIR XLI] EVI FIMRK VITPEGIH WS XLEX XLI VMWO SJ
EGGMHIRXW MW TVIGPYHIH
i SRP] YWI WYMXEFPI PMJXMRK EMHW ERH WPMRKMRK KIEV MR E XIGLRMGEPP] TIVJIGX
GSRHMXMSR [MXL WYJJMGMIRX PSEH FIEVMRK GETEGMX]
-X MW TVSLMFMXIH XS VIQEMR SV [SVO YRHIV WYWTIRHIH PSEHW
 (S RSX YWI VSTIW [LMGL EVI HEQEKIH SV [MXL MRWYJJMGMIRX PSEH FIEVMRK
GETEGMX] ;IEV TVSXIGXMZI KPSZIW [LIR LERHPMRK [MVI LE[WIVW
 3RP] EWWMKR I\TIVMIRGIH TIVWSRRIP [MXL VIWTSRWMFMPMX] JSV WPMRKMRK PSEHW
ERH HMVIGXMRK GVERI HVMZIVW 8LI FEROWQER WLSYPH FI MR ZMWYEP GSRXEGX [MXL
XLI STIVEXSV SV EX XLI ZIV] PIEWX MR EYHMS GSRXEGX [MXL LMQ
 ;LIR GEVV]MRK SYX JMXXMRK [SVO SZIV LIEH LIMKLX YWI XLI WEJIX] GPMQFMRK
EMHW ERH [SVOMRK TPEXJSVQW TVSZMHIH SV IUYMZEPIRX (S RSX YWI QEGLMRI
TEVXW EW GPMQFMRK EMHW ;LIR [SVOMRK EX KVIEXIV LIMKLXW [IEV E WEJIX]
LEVRIWW /IIT EPP LERHPIW WXITW VEMPW KERK[E]W TPEXJSVQW ERH PEHHIVW
JVII JVSQ WSMPMRK WRS[ ERH MGI
 1EOI WYVI [LIR [SVOMRK SR XLI EXXEGLQIRX IK [LIR GLERKMRK XLI XIIXL
SR XLI FYGOIX XLEX WYJJMGMIRX WYTTSVX MW TVSZMHIH %ZSMH HMVIGX QIXEP SR
QIXEP GSRXEGX [LIR HSMRK XLMW
 2IZIV KIX YRHIV XLI QEGLMRI [LIR XLMW MW TVSTTIH YT SR XLI [SVOMRK
EXXEGLQIRX [MXLSYX JMVWX WIGYVIP] WYTTSVXMRK XLI YRHIVGEVVMEKI SR [SSHIR
FMPPIXW
 %P[E]W NEGO YT XLI QEGLMRI WS XLEX ER] WLMJXW MR MXW GIRXVI SJ KVEZMX] HS
RSX NISTEVHMWI MXW WXEFMPMX] [LMPI EX XLI WEQI XMQI EZSMHMRK ER] HMVIGX QIXEP
SR QIXEP GSRXEGX
 ;SVO SR XLI GLEWWMW XLI FVEOMRK ERH WXIIVMRK W]WXIQW QE] SRP] FI
GEVVMIH SYX F] TIVWSRRIP [MXL WTIGMEPMWX XVEMRMRK

0 0-)&,)66   
7EJIX] VIKYPEXMSRW 3TIVEXMRK QERYEP
1IEWYVIW JSV IRWYVMRK WEJI QEMRXIRERGI

 -J XLI QEGLMRI LEW XS FI VITEMVIH SR E WPSTI XLIR XLI [LIIPW QYWX FI
WIGYVIH [MXL [IHKIW 1SZI XLI [SVOMRK EXXEGLQIRX MRXS XLI QEMRXIRERGI
TSWMXMSR ERH MRWIVX XLI EVXMGYPEXMSR PSGO
 3RP] TIVWSRRIP [MXL WTIGMEPMWX ORS[PIHKI ERH I\TIVMIRGI QE] [SVO SR XLI
L]HVEYPMGW
 ;LIR WIEVGLMRK JSV PIEOW [IEV TVSXIGXMZI KPSZIW % JMRI JPYMH NIX YRHIV
TVIWWYVI GER TIRIXVEXI XLI WOMR
 2IZIV VIPIEWI L]HVEYPMG PMRIW SV XLVIEHIH GSYTPMRKW FIJSVI WIXXMRK HS[R
XLI [SVOMRK EXXEGLQIRX ERH WLYXXMRK HS[R XLI IRKMRI
%PP WIVZS GSRXVSP HIZMGIW NS]WXMGO ERH TIHEPW QYWX XLIR FI QSZIH MR FSXL
HMVIGXMSRW i [MXL XLI MKRMXMSR OI] MR XLI GSRXEGX TSWMXMSR i MR SVHIV XS
VIPMIZI GSRXVSP TVIWWYVI ERH VEQ TVIWWYVI MR XLI [SVOMRK GMVGYMXW MR
EHHMXMSR VIPIEWI MRXIVREP XERO TVIWWYVI F] YRWGVI[MRK XLI FVIEXLIV WGVI[
 6IKYPEVP] GLIGO EPP L]HVEYPMG PMRIW LSWIW ERH WGVI[ JSV PIEOW ERH I\XIV
REPP] VIGSKRMWEFPI HEQEKI 6IGXMJ] EPP HEQEKI MQQIHMEXIP] 3MP IWGETMRK
YRHIV TVIWWYVI GER VIWYPX MR MRNYVMIW ERH JMVIW
 &IJSVI FIKMRRMRK VITEMV [SVO HITVIWWYVMWI XLI W]WXIQ WIGXMSRW ERH TVIW
WYVI PMRIW L]HVEYPMGW GSQTVIWWIH EMV MR EGGSVHERGI [MXL XLI GSQTSRIRX
HIWGVMTXMSRW
 0E] ERH MRWXEPP L]HVEYPMG ERH TRIYQEXMG PMRIW TVSTIVP] (S RSX QM\ YT
LSWIW EX GSYTPMRKW *MXXMRKW EW [IPP EW XLI PIRKXL ERH UYEPMX] SJ XLI LSWI
PMRIW QYWX QEXGL XLI QERYJEGXYVIVtW VIUYMVIQIRXW
3RP] YWI 0-)&,)66 WTEVI TEVXW
 ,]HVEYPMG LSWI PMRIW WLSYPH FI VITPEGIH EX XLI WTIGMJMIH SV ETTVSTVMEXI
XMQI MRXIVZEPW IZIR [LIVI RS WEJIX]VIPEXIH HIJMGMIRGMIW EVI ETTEVIRX
 ;SVO SR XLI QEGLMRItW IPIGXVMGEP IUYMTQIRX QE] SRP] FI GEVVMIH SYX F] E
UYEPMJMIH IPIGXVMGMER SV F] MRWXVYGXIH TIVWSRW YRHIV XLI HMVIGXMSR ERH WY
TIVZMWMSR SJ E UYEPMJMIH IPIGXVMGMER MR EGGSVHERGI [MXL XLI VIGSKRMWIH
IPIGXVMGEP IRKMRIIVMRK VYPIW
 3RP] YWI SVMKMREP JYWIW [MXL XLI TVIWGVMFIH VEXMRKW -J HMWVYTXMSRW SGGYV MR
XLI IPIGXVMGEP TS[IV WYTTP] W[MXGL SJJ XLI QEGLMRI MQQIHMEXIP]
 -RWTIGXGLIGO XLI QEGLMRItW IPIGXVMGEP IUYMTQIRX VIKYPEVP] -QQIHMEXIP]
VIGXMJ] EPP JEYPXW WYGL EW PSSWI GSRRIGXMSRW WGSVGLIH[SVR GEFPIW SV FYVRX
SYX JYWIW ERH FYPFW
 -J MX MW RIGIWWEV] XS GEVV] SYX [SVO SR IPIGXVMGEPP] PMZI GSQTSRIRXW XLIR
SFXEMR XLI EWWMWXERGI SJ E WIGSRH TIVWSR [LS GER MR ER IQIVKIRG] XLVS[
XLI IQIVKIRG] WXST SV QEMR W[MXGL [MXL ZSPXEKI XVMTSYX 'SVHSR SJJ XLI
[SVOMRK EVIE [MXL E VIH[LMXI WEJIX] GLEMR ERH E [EVRMRK HIGEP 3RP] YWI
MRWYPEXIH XSSPW
 ;LIR [SVOMRK SR LMKL ZSPXEKI EWWIQFPMIW EJXIV XLI] LEZI FIIR MWSPEXIH
JVSQ XLI TS[IV WYTTP] WLSVX XLI WYTTP] GEFPI ERH XLI GSQTSRIRXW WYGL
EW GETEGMXSVW [MXL ER IEVXLMRK VSH
 *MVWX SJ EPP GLIGO XLEX XLI MWSPEXIH TEVXW EVI ZSPXEKI JVII GSRRIGX XS IEVXL
ERH XLIR FVMIJP] WLSVX XLIQ -WSPEXI EHNEGIRX GSQTSRIRXW [LMGL EVI WXMPP
PMZI

 7EJIX] MRWXVYGXMSRW JSV [IPHMRK [SVO SR


XLI QEGLMRI
 ;IPHMRK NSFW QE] SRP] FI GEVVMIH SYX SR JSVGI XVERWQMXXMRK QEMR GSQTS
RIRXW IK GLEWWMW EXXEGLQIRXW  F] XLI QERYJEGXYVIV SV F] ER
EYXLSVMWIH GSRXVEGXSV

   0-)&,)66 0
3TIVEXMRK QERYEP 7EJIX] VIKYPEXMSRW
7EJIX] MRWXVYGXMSRW JSV [IPHMRK [SVO SR XLI QEGLMRI

(MWGSRRIGX XLI FEXXIV] [LIR [SVOMRK SR XLI IPIGXVMGEP W]WXIQ SV [LIR


GEVV]MRK SYX IPIGXVMG EVG [IPHMRK SR XLI QEGLMRI
%P[E]W HMWGSRRIGX XLI QMRYW XIVQMREP JMVWX ERH VIGSRRIGX MX PEWX
;MXL QEGLMRIW [MXL ER IPIGXVSRMG KIEVFS\ GSRXVSP YRMX
i -R EHHMXMSR HMWGSRRIGX XLI QYPXMTMR TPYK SR XLI IPIGXVSRMG KIEVFS\
GSRXVSP YRMX FIJSVI WXEVXMRK ER] [IPHMRK [SVO SR XLI QEGLMRI 
8LI IEVXL GEFPI SJ XLI [IPHMRK HIZMGI WLSYPH FI FVSYKLX EW GPSWI EW
TSWWMFPI XS XLI EGXYEP [IPHMRK PSGEXMSR WS XLEX MX MW RSX TSWWMFPI JSV XLI
[IPHMRK GYVVIRX XS JPS[ XLVSYKL GSQTSRIRXW SV WIEPMRK IPIQIRXW IK
WPI[MRK VMRK NSMRXW FIEVMRKW FYWLIW VYFFIV GSQTSRIRXW WIEPW    

 -RWXVYGXMSRW JSV [SVOMRK WEJIP] SR


QEGLMRI EXXEGLQIRXW
 (S RSX [SVO FIPS[ XLI EXXEGLQIRX YRPIWW MX MW VIWXMRK WEJIP] SR XLI
KVSYRH SV MW TVSTIVP] WYTTSVXIH
 %ZSMH HMVIGX QIXEP SR QIXEP GSRXEGX [LIR TVSTTMRK YT XLI EXXEGLQIRX MR
SVHIV XS VITPEGI TEVXW HIGEPW GYXXMRK IHKIW XIIXL  
 2IZIV EXXIQTX XS PMJX LIEZ] GSQTSRIRXW F] ]SYVWIPJ %P[E]W YWI WYMXEFPI
PMJXMRK IUYMTQIRX [MXL WYJJMGMIRX PSEH FIEVMRK GETEGMX] JSV XLMW TYVTSWI
 %P[E]W [IEV KPSZIW [LIR [SVOMRK [MXL [MVI LE[WIVW
 2IZIV VIPIEWI L]HVEYPMG PMRIW SV XLVIEHIH GSYTPMRKW FIJSVI WIXXMRK HS[R
XLI [SVOMRK EXXEGLQIRX ERH WLYXXMRK HS[R XLI IRKMRI
%PP WIVZS GSRXVSP HIZMGIW NS]WXMGO ERH TIHEPW QYWX XLIR FI QSZIH MR FSXL
HMVIGXMSRW i [MXL XLI MKRMXMSR OI] MR XLI GSRXEGX TSWMXMSR i MR SVHIV XS
VIPMIZI GSRXVSP TVIWWYVI ERH VEQ TVIWWYVI MR XLI [SVOMRK GMVGYMXW MR
EHHMXMSR VIPIEWI MRXIVREP XERO TVIWWYVI F] YRWGVI[MRK XLI FVIEXLIV WGVI[
 )RWYVI XLEX EPP PMRIW ERH XLVIEHIH GSYTPMRKW EVI VIGSRRIGXIH ERH VI
XMKLXIRIH SR GSQTPIXMSR SJ XLI NSF W 
 9WI I\XVIQI GEYXMSR [LIR VIQSZMRK SV MRWIVXMRK FSPXW ERH TMRW QEHI SJ
LEVHIRIH WXIIP EW XLI] GER WTPMRXIV GEYWMRK WIVMSYW MRNYV]
%P[E]W [IEV TVSXIGXMZI KPSZIW ERH WEJIX] KSKKPIW
;LIRIZIV TSWWMFPI YWI WTIGMEP XSSPW WYGL EW QERHVIPW I\XVEGXSVW  

 7EJIX] VIKYPEXMSRW [LIR XVERWTSVXMRK


XLI QEGLMRI F] GVERI
 0S[IV XLI EXXEGLQIRX ERH XMPX FEGO XLI PSEHMRK EXXEGLQIRX XS XLI WXST
 %TTP] XLI EVXMGYPEXMSR PSGO XLMW MW SRP] ETTPMIW XS [LIIP PSEHIVW [MXL
EVXMGYPEXIH WXIIVMRK
 1SZI EPP GSRXVSP PIZIVW MRXS RIYXVEP TSWMXMSR ERH IRKEKI XLI TEVOMRK FVEOI
 7LYX HS[R XLI IRKMRI MR EGGSVHERGI [MXL XLI MRWXVYGXMSRW MR XLI q3TIVEX
MRK QERYEPr
 0SGO XLI [SVOMRK L]HVEYPMGW FIJSVI PIEZMRK XLI HVMZIVtW GEF
&PSGO XLI [SVOMRK L]HVEYPMGW MR EGGSVHERGI [MXL XLI MRWXVYGXMSRW MR XLI
q3TIVEXMRK QERYEPr
 'PSWI EPP HSSVW GSZIVW ERH LSSHW WIGYVIP]

0 0-)&,)66   
7EJIX] VIKYPEXMSRW 3TIVEXMRK QERYEP
7EJIX] VIKYPEXMSRW [LIR XVERWTSVXMRK XLI QEGLMRI F] GVERI

 3RP] EWWMKR I\TIVMIRGIH TIVWSRRIP [MXL VIWTSRWMFMPMX] JSV WPMRKMRK PSEHW


ERH HMVIGXMRK GVERI STIVEXSVW 8LI FEROWQER WLSYPH VIQEMR MR ZMWYEP
GSRXEGX [MXL XLI STIVEXSV SV EX XLI ZIV] PIEWX FI MR EYHMS GSRXEGX [MXL LMQ
 %XXEGL XLI PMJXMRK XEGOPI XS XLI PYKWFSVI LSPIW TVSZMHIH SR XLI QEGLMRI
 )RWYVI XLEX XLI PMJXMRK XEGOPI MW SJ WYJJMGMIRX PIRKXL
 6EMWI XLI QEGLMRI GEVIJYPP]
 238) 6IQEMRMRK YRHIV XLI QEGLMRI [LIR MX MW WYWTIRHIH MW WXVMGXP]
TVSLMFMXIH
 ;LIR VIWXEVXMRK XLI QEGLMRI TVSGIIH WXVMGXP] EGGSVHMRK XS XLI q3TIVEXMRK
QERYEPr

 7EJI QEMRXIRERGI SJ L]HVEYPMG LSWIW


ERH LSWI PMRIW
 6ITEMVMRK L]HVEYPMG PMRIW ERH L]HVEYPMG LSWIW MW TVSLMFMXIH
 %PP LSWIW LSWI PMRIW ERH XLVIEHIH GSYTPMRKW QYWX FI GLIGOIH VIKYPEVP]
EX XLI ZIV] PIEWX SRGI E ]IEV JSV PIEOW ERH ZMWMFPI HIGEPW SJ HEQEKI
6ITPEGI HEQEKIH TEVXW MQQIHMEXIP] 3MP IWGETMRK YRHIV TVIWWYVI GER
VIWYPX MR MRNYVMIW ERH JMVIW
 )ZIR [LIR TVSTIVP] WXSVIH ERH WYFNIGXIH XS RSVQEP PSEHMRK LSWIW ERH
LSWI PMRIW EVI WYFNIGX XS REXYVEP EKIMRK 8LMW PMQMXW XLIMV WIVZMGI PMJI
 -QTVSTIV WXSVEKI QIGLERMGEP HEQEKI ERH PSEHW MR I\GIWW SJ TIVQMXXIH
PMQMXW EVI XLI QSWX GSQQSR GEYWIW SJ QEPJYRGXMSRW
 8LI WIVZMGI PMJI SJ E LSWI PMRI WLSYPH RSX I\GIIH WM\ ]IEVW MRGPYHMRK E
WXSVEKI TIVMSH SJ RS QSVI XLER  ]IEVW RSXI XLI HEXI SJ QERYJEGXYVI SR
XLI LSWIW 
 8LI WIVZMGI PMJI QE] FI VIHYGIH MJ XLI LSWIW EVI JVIUYIRXP] WYFNIGX XS XLI
QE\MQYQ TIVQMWWMFPI PSEHMRK IK HYI XS LMKL XIQTIVEXYVIW JVIUYIRX
QSZIQIRX G]GPIW I\XVIQIP] LMKL TYPWI JVIUYIRGMIW QYPXMTPIWLMJX STIVE
XMSR 
 ,SWIW ERH LSWI PMRIW WLSYPH FI VITPEGIH MJ ER] SJ XLI JSPPS[MRK GVMXIVME EVI
QIX HYVMRK MRWTIGXMSR
'VMXIVME
i HEQEKI XS XLI SYXIV PE]IV TIRIXVEXMRK XLVSYKL XS XLI MRRIV PE]IV IK
EFVEWMSR GYXW ERH XIEVW
i FVMXXPI SYXIV PE]IV GVEGOW MR XLI LSWI QEXIVMEP
i HIJSVQEXMSR RSX GSRJSVQMRK XS XLI REXYVEP WLETI SJ XLI LSWI SV XLI
LSWI PMRI FSXL [LIR TVIWWYVMWIH ERH HITVIWWYVMWIH SV EX FIRHW IK
PE]IV WITEVEXMSR FPMWXIVMRK
i PIEOW
i RSRSFWIVZERGI SJ XLI MRWXEPPEXMSR VIUYMVIQIRXW
i HEQEKI SV HIJSVQEXMSR SJ XLI LSWI JMXXMRKW [LMGL VIHYGI XLI WXVIRKXL
SJ XLI JMXXMRKW SV XLI LSWIJMXXMRK GSYTPMRK
i WPMTTEKI SJ XLI LSWI SYX SJ XLI JMXXMRK
i GSVVSWMSR SJ XLI JMXXMRKW [LMGL MQTEMV XLIMV JYRGXMSRMRK ERH WXVIRKXL
i I\GIIHMRK XLI TVIWGVMFIH WXSVEKI TIVMSH SV WIVZMGI PMJI
 3RP] YWI SVMKMREP WTEVI TEVXW [LIR VITPEGMRK LSWIW ERH LSWI PMRIW
 0E] ERH MRWXEPP LSWIW ERH LSWI PMRIW TVSTIVP] (S RSX QM\ YT LSWIW EX
GSYTPMRKW

   0-)&,)66 0
3TIVEXMRK QERYEP 7EJIX] VIKYPEXMSRW
%XXEGLQIRXW ERH EGGIWWSVMIW

 %XXEGLQIRXW ERH EGGIWWSVMIW


 %XXEGLQIRXW ERH EGGIWWSVMIW TVSHYGIH F] SXLIV QERYJEGXYVIVW SV XLSWI
[LMGL LEZI RSX FIIR KIRIVEPP] ETTVSZIH F] 0-)&,)66 JSV MRWXEPPEXMSR SV
JSV I\XIVREP JMXXMRK QE] RSX FI MRWXEPPIH SV JMXXIH SR XLI QEGLMRI [MXLSYX
XLI TVIZMSYW [VMXXIR EKVIIQIRX SJ 0-)&,)66
 8LI ETTVSTVMEXI XIGLRMGEP HSGYQIRXEXMSR WLSYPH FI QEHI EZEMPEFPI XS
0-)&,)66 JSV XLMW TYVTSWI

0 0-)&,)66   
 3TIVEXMSR ,ERHPMRK

 0E]SYX SJ GSRXVSPW ERH MRWXVYQIRXW

(VMZIV W GEF  MRWMHI ZMI[


 FVEOI MRGLMRK TIHEP  KEW TIHEP  GSRXVSP TERIP
 MRWXVYQIRX TERIP  GSRXVSP VIPE]  HVMZIVtW WIEX
 WXIIVMRK GSPYQR W[MXGL  WEJIX] PIZIV  VEHMS MRWXEPPEXMSR STXMSREP
 JYWI FS\  HVMZI W[MXGL  WSGOIX  GMKEVIXXI PMKLXIV
 EHNYWXEFPI WXIIVMRK GSPYQR  0-)&,)66 GSRXVSP PIZIV  SYXPIX RS^^PIW i
[MXL WXIIVMRK [LIIP  GSRXVSP PIZIV JSV STXMSREP [SVO LIEXIVZIRXMPEXMSR
 PIZIV i WXIIVMRK GSPYQR EHNYWX MRK JYRGXMSR  GSRXVSP IPIGXVSRMGW
QIRX  EHNYWXEFPI EVQ VIWX  XVEZIP VERKI FYXXSR

0 0-)&,)66 


3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
0E]SYX SJ GSRXVSPW ERH MRWXVYQIRXW

HVMZIV W GEF  MRWMHI ZMI[

 PIZIV  ZIRXMPEXMSR ZIRX EHNYWX  SYXJPS[ ZIRX  MRGSQMRK JVIWL  TEVOMRK FVEOI
QIRX EMV  SRSJJ XET JSV IRKMRISMP LIEXMRK
 KPSZI GSQTEVXQIRX  QEMR FEXXIV] W[MXGL

 0-)&,)66 0


3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

 3TIVEXMSR

 'EF EGGIWW


4IVWSRRIP QE] SRP] KIX SR ERH SJJ XLI QEGLMRI YWMRK XLI EGGIWW EMHW
TVSZMHIH
2SVQEPP] XLI HVMZIVtW GEF QYWX FI IRXIVIH ERH I\MXIH XLVSYKL XLI PIJX
LERH HVMZIVtW GEF HSSV

)RXIVMRK ERH PIEZMRK XLI HVMZIVtW GEF


*EQMPMEVMWI ]SYVWIPJ [MXL XLI IQIVKIRG] I\MX XLVSYKL XLI VMKLXLERH GEF
HSSV
6IJIV XS XLI 7IGXMSR q)QIVKIRG] I\MXr

;EVRMRK (ERKIV SJ MRNYVMIW EW E VIWYPX SJ NYQTMRK SV JEPPMRK SJJ XLI QEGLMRI


 9WI XLI WXITW PEHHIVW ERH LERHPIW TVSZMHIH JSV KIXXMRK SR ERH SJJ
 2IZIV NYQT HS[R JVSQ XLI QEGLMRI

;EVRMRK 6MWO SJ MRNYVMIW HYI XS YRJSVIWIIR QSZIQIRX F] XLI QEGLMRI


 (S RSX LSPH SRXS XLI WXIIVMRK GSPYQR XLI GSRXVSP TERIP SV XLI GSRXVSP
PIZIVW [LIR KIXXMRK SR SV SJJ

d +IX SR XLI QEGLMRI ZME XLI PIJXLERH GEF EGGIWW

0 0-)&,)66 


3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

 )QIVKIRG] I\MX

0IEZMRK XLI HVMZIVtW GEF F] XLI IQIVKIRG] I\MX


2SVQEPP] XLI HVMZIVtW GEF QYWX FI IRXIVIH ERH I\MXIH XLVSYKL XLI PIJX
LERH HVMZIVtW GEF HSSV
8LI VMKLXLERH HVMZIVtW GEF HSSV MW TVSZMHIH EW ER IQIVKIRG] I\MX ERH
XLIVIJSVI WLSYPH SRP] FI YWIH MR XLMW IZIRX

d &IJSVI WXEVXMRK YT XLI QEGLMRI QEOI WYVI XLEX MX MW TSWWMFPI XS PIEZI


XLI HVMZIVtW GEF XLVSYKL XLI VMKLXLERH HVMZIVtW GEF HSSV JVSQ MRWMHI
[MXLSYX LMRHVERGI

(VMZIV W GEF HSSV VMKLX

d 3TIRMRK XLI HVMZIV W GEF HSSV XS HS XLMW TYPP XLI PIZIV  SR XLI HSSV
PSGO YT[EVHW

0IZIP i [SVOMRK L]HVEYPMGW PSGO


 0IZIP i [SVOMRK L]HVEYPMGW PSGO

d &IJSVI PIEZMRK XLI HVMZIV W GEF TYPP XLI PIZIV  JSV XLI [SVOMRK L]HVEY
PMGW YT[EVHW
8LI [SVOMRK L]HVEYPMGW EVI RS PSRKIV STIVEXMSREP

 0-)&,)66 0


3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

 (VMZIV W WIEX [MXL KEWJMPPIH WTVMRK WYWTIRWMSR

0E]SYX

(VMZIVtW WIEX i QEMR GSQTSRIRXW ERH EHNYWXEFPI IPIQIRXW


 EVQ VIWX  PIZIV i WIEX MRGPMREXMSR JVSRX
 WXEVKVMT i EVQ VIWX LIMKLX EH EHNYWXQIRX
NYWXQIRX  PIZIV i WIEX MRGPMREXMSR VIEV EH
 FEGO VIWX NYWXQIRX
 WEJIX] FIPX  WIEX WYVJEGI
 VSXEV] ORSF i [IMKLX  GPEQT WGVI[ i EVQ VIWX LSVM
EHNYWXQIRX ^SRXEP EHNYWXQIRX
 PIZIV i FEGOVIWX EHNYWXQIRX  GPEQT WGVI[ i EVQ VIWX
 PIZIV i LSVM^SRXEP EHNYWXQIRX MRGPMREXMSR EHNYWXQIRX

-RHMZMHYEP EHNYWXQIRX JSV IVKSRSQMG WIEXMRK TSWMXMSR


8LI WIEX GER FI EHNYWXIH XS XLI HVMZIVtW MRHMZMHYEP VIUYMVIQIRXW XS TVSZMHI
XLI LMKLIWX TSWWMFPI HIKVII SJ GSQJSVX

%HNYWXMRK XLI HVMZIV W WIEX JSV YWI SR TYFPMG VSEHW

;EVRMRK 6MWO SJ MRNYVMIW MJ XLI HVMZIV W WIEX MW MQTVSTIVP] EHNYWXIH


 ;LIR HVMZMRK SR TYFPMG VSEHW XLI HVMZIV W WIEX QE] SRP] FI EHNYWXIH
[LIR XLI ZILMGPI MW EX VIWX

d %HNYWX XLI HVMZIV W WIEX FIJSVI WXEVXMRK XLI QEGLMRI

,SVM^SRXEP WIXXMRK
&EGO[EVH SV JSV[EVH EHNYWXQIRX MW F] QIERW SJ XLI PIZIV  EX XLI JVSRX SJ
XLI HVMZIV W WIEX

0 0-)&,)66 


3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

%HNYWXQIRX i LSVM^SRXEP
 PIZIV i LSVM^SRXEP EHNYWXQIRX

d 4YPP PIZIV  MR XLI HMVIGXMSR SJ XLI EVVS[


d ,SVM^SRXEPP] EHNYWX XLI HVMZIV W WIEX ERH VIPIEWI PIZIV

-RGPMREXMRK XLI WIEX WYVJEGI


%HNYWXQIRXW EVI QEHI [MXL XLI PIZIV  ERH PIZIV  EX XLI JVSRX VMKLX SJ XLI
HVMZIV W WIEX

%HNYWXQIRX i WIEXMRK WYVJEGI WIEX LIMKLX


 PIZIV i EHNYWXQIRX i WIEX MR  PIZIV i EHNYWXQIRX i WIEX MR
GPMREXMSR VIEV GPMREXMSR JVSRX

d %HNYWXQIRX i WIEX MRGPMREXMSR VIEV TYPP PIZIV  MR XLI HMVIGXMSR SJ EVVS[


EHNYWX MRGPMREXMSR ERH VIPIEWI PIZIV
d %HNYWXQIRX i WIEX MRGPMREXMSR JVSRX TYPP PIZIV  MR XLI HMVIGXMSR SJ EVVS[
EHNYWX MRGPMREXMSR ERH VIPIEWI PIZIV

%HNYWXMRK XLI WIEX LIMKLX


%HNYWXQIRX MW QEHI [MXL XLI PIZIV  ERH PIZIV  EX XLI JVSRX VMKLX SJ XLI
HVMZIV W WIEX
d 6EMWI PIZIV  ERH PIZIV  WMQYPXERISYWP]
d 1SZI XLI WIEX XS XLI VIUYMVIH LIMKLX ERH VIPIEWI FSXL PIZIVW

 0-)&,)66 0


3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

%HNYWXMRK XLI FEGO VIWX


8LI MRGPMREXMSR SJ XLI WIEX FEGO MW EHNYWXIH [MXL XLI PIZIV  SR XLI
PIJXLERH WMHI SJ XLI HVMZIV W WIEX

%HNYWXQIRX i FEGO VIWX EVQ VIWX


 GPEQT WGVI[ i MRGPMREXMSR EH  WXEVKVMT i LIMKLX EHNYWXQIRX i
NYWXQIRX i EVQ VIWX EVQ VIWX
 GPEQT WGVI[ i LSVM^SRXEP EH  PIZIV i EHNYWXQIRX i FEGOVIWX
NYWXQIRX i EVQ VIWX

d 6EMWI PIZIV 
d 1SZI XLI WIEX XS XLI VIUYMVIH MRGPMREXMSR ERH VIPIEWI FSXL PIZIVW

%HNYWXMRK XLI EVQ VIWX


8LI LIMKLX MRGPMREXMSR ERH LSVM^SRXEP TSWMXMSR SJ XLI EVQ VIWXW GER FI
EHNYWXIH WITEVEXIP]
d ,IMKLX EHNYWXQIRX VIPIEWI WXEVKVMT  EHNYWX LIMKLX ERH JM\ MR TPEGI
d -RGPMREXMSR EHNYWXQIRX VIPIEWI GPEQT WGVI[  EHNYWX MRGPMREXMSR ERH JM\
MR TPEGI
d ,SVM^SRXEP EHNYWXQIRX VIPIEWI GPEQT WGVI[  EHNYWX EVQ VIWX LSVM^SR
XEPP] ERH JM\ MR TPEGI

%HNYWXMRK WIEX WYWTIRWMSR


8LI WIEX WYWTIRWMSR GER FI EHETXIH XS XLI HVMZIVtW MRHMZMHYEP FSH] [IMKLX
%HNYWXQIRXW EVI F] QIERW SJ E VSXEV] ORSF  EX XLI JVSRX SJ XLI HVMZIVtW
WIEX
8LI JMKYVIW SR XLI VSXEV] ORSF MRHMGEXI XLI WIX FSH] [IMKLX MR OK

0 0-)&,)66 


3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

%HNYWXQIRX i WIEX WYWTIRWMSR


 VSXEV] ORSF i [IMKLX EHNYWX
QIRX

d 7IX XLI ETTVSTVMEXI FSH] [IMKLX [MXL XLI VSXEV] ORSF 

 7EJIX] FIPX

3FWIVZERGI SJ WEJIX] JEGXSVW


8LI HVMZIV W GEF MW IUYMTTIH [MXL VSPPSZIV TVSXIGXMSR i 6347
8LI VSPP SZIV TVSXIGXMSR W]WXIQ i 6347 SRP] EJJSVHW XLI HVMZIV
TVSXIGXMSR [LIR XLI WEJIX] FIPX LEW FIIR JEWXIRIH
-R XLMW WIGXMSR XLI WEJIX] JIEXYVIW SJ [IEVMRK XLI WEJIX] FIPX EVI HIWGVMFIH

'SQTYPWSV] [IEVMRK SJ WIEX FIPXW

;EVRMRK 6MWO SJ MRNYVMIW [LIR XLI WEJIX] FIPX MW RSX JEWXIRIH


-J XLI QEGLMRI MW FVEOIH SV WXSTW EFVYTXP] XLI HVMZIV GSYPH WYJJIV WIZIVI
MRNYVMIW
 -X MW IWWIRXMEP XLEX ]SY JEWXIR ]SYV WEJIX] FIPX FIJSVI WXEVXMRK YT XLI
QEGLMRI

(ERKIV 6MWO SJ MRNYVMIW [LIR XLI WEJIX] FIPX MW RSX JEWXIRIH


-J XLI QEGLMRI XMTW SV VSPPW SZIV XLI HVMZIV GSYPH WYJJIV JEXEP MRNYVMIW
 -X MW IWWIRXMEP XLEX ]SY JEWXIR ]SYV WEJIX] FIPX FIJSVI WXEVXMRK YT XLI
QEGLMRI

d 8S KYEVERXII ]SYV WEJIX] VIKYPEVP] GLIGO XLI GSRHMXMSR TVSTIV JYRG


XMSRMRK ERH ERGLSVEKI SJ XLI WIEX FIPX ERH LEZI HIJIGXMZI TEVXW VI
TPEGIH [MXLSYX HIPE]
d 8LI WEJIX] FIPX QE] RSX FI X[MWXIH [LIR MR YWI

 0-)&,)66 0


3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

4YXXMRK SR XLI WEJIX] FIPX


8LI WEJIX] FIPX MW ER EYXSQEXMG FIPX 2S EHNYWXQIRX SJ XLI FIPX PIRKXL MW
VIUYMVIH

4YXXMRK SR XLI FIPX

d ,SPH XLI FYGOPI [MXL XLI VMKLX LERH ERH TYPP XLI FIPX WPS[P] SYX SJ XLI
VSPPIV
238) ;LIR XLI FIPX MW TYPPIH SYX XSS UYMGOP] MX GER FI FPSGOIH F] XLI
VSPPIV

0SGOMRK XLI FIPX

d ,SPH XLI WRET PSGO [MXL XLI PIJX LERH ERH TYPP XLI FIPX SZIV XLI FSH] EX
LMT PIZIP
d -RWIVX XLI FYGOPI MRXS XLI WRET PSGO ERH GLIGO F] TYPPMRK XLI FYGOPI
[LIXLIV XLI WRET PSGO LEW WRETTIH MRXS TPEGI 

0 0-)&,)66 


3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

6IPIEWMRK XLI WIEXFIPX

6IPIEWMRK XLI WIEXFIPX

d 6IPIEWI XLI WIEX FIPX TYWL XLI GEXGL SR XLI WRET PSGO HS[R[EVH [MXL
]SYV XLYQF

 7XEVXIV W[MXGL


8LI WXEVXIV W[MXGL MW IUYMTTIH [MXL E VITIEX WXEVX PSGO 8LI MKRMXMSR OI]
GER FI TYPPIH SYX [LIR MR  i TSWMXMSRIRKMRI WLYXHS[R
;LIR XLI MKRMXMSR OI] MW MR XLI  TSWMXMSR SV TEVOMRK TSWMXMSR XLI JSPPS[MRK
GSRWYQIV YRMXW GER FI W[MXGLIH SR JVSQ XLI MRWXVYQIRX TERIP
i TEVOMRK ERH HVMZMRK LIEHPMKLX
i LE^EVH [EVRMRK W]WXIQ
i [SVOMRK JPSSHPMKLXW
i VSXEXMRK FIEGSR

0E]SYX
7[MXGLMRK TSWMXMSRW
4 i TEVOMRK TSWMXMSR
 i  TSWMXMSR  IRKMRI WLYXHS[R
- i GSRXEGX STIVEXMRK TVIKPS[ TSWMXMSR
-- i WXEVXMRK TSWMXMSR
7XEVXIV W[MXGL

7[MXGLMRK IPIGXVMGEP W]WXIQ SR SV SJJ


d 7[MXGL XLI QEGLMRI IPIGXVMGEP W]WXIQ SR SV SJJ [MXL XLI MKRMXMSR OI]

 7XIIVMRK GSPYQR ERH WXIIVMRK [LIIP

%HNYWXMRK XLI WXIIVMRK GSPYQR


8LI WXIIVMRK [LIIP GER FI EHNYWXIH XS QIIX XLI HVMZIVtW VIUYMVIQIRXW F]
EHNYWXMRK XLI WXIIVMRK GSPYQR
8LI GSPYQR GER FI WIX XS SRI SJ XLVII WRETMR WIXXMRKW

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

%HNYWXQIRX i WXIIVMRK GSPYQR

 WXIIVMRK [LIIP  TIHEP


 WXIIVMRK GSPYQR

d 6EMWI PIZIV  F] LERH MR XLI HMVIGXMSR SJ XLI EVVS[


d &] TYPPMRK SV TYWLMRK XLI WXIIVMRK [LIIP  EHNYWX XLI WXIIVMRK GSPYQR
 EW VIUYMVIH
d 0SGO XLI WIPIGXIH TSWMXMSR SJ XLI WXIIVMRK GSPYQR  F] VIPIEWMRK XLI
TIHEP 

 7XIIVMRK GSPYQR W[MXGL


8LI WXIIVMRK GSPYQR W[MXGL MW QSYRXIH SR XLI PIJXLERH WMHI SJ XLI
WXIIVMRK GSPYQR

0E]SYX
8LI WXIIVMRK GSPYQR W[MXGL GSRXEMRW GSRXVSPW JSV XLI JSPPS[MRK
i HMVIGXMSR MRHMGEXSVW
i LMKL FIEQ
i EGSYWXMG ERH STXMGEP LSVR
i [MRHWLMIPH [MTIV JSV XLI JVSRX [MRHWGVIIR
i [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ JSV XLI JVSRX [MRHWGVIIR

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

*YRGXMSR HIWGVMTXMSR

7XIIVMRK GSPYQR W[MXGL

*YRGXMSRW SJ XLI WXIIVMRK GSPYQR W[MXGL [LIR EGXMZEXIH MR HMVIGXMSR


E i HVMZI HMVIGXMSR HMWTPE] VMKLXLERH MRHMGEXSVW
F  HVMZI HMVIGXMSR HMWTPE] PIJXLERH JMRHMGEXSVW
G  GIRXVEP TSWMXMSR RIYXVEP TSWMXMSR
H  [MRHWLMIPH [MTIVW *VSRX [MRHWLMIPH
d  i PIZIP
d . i MRXIVZEP
d - i PIZIP-
I  STXMGEP LSVR PMKLX LSVR
J  HVMZMRK PMKLX LMKL FIEQ
K  EGSYWXMG LSVR LSVR XSRI
L  [MRHWLMIPH [MTMRK  [EWLMRK W]WXIQ *VSRX [MRHWLMIPH

3TIVEXMRK HVMZMRK PMKLX SV LMKL FIEQ

1EMR FEXXIV] W[MXGL


1EOI WYVI XLEX XLI QEGLMRItW QEMR FEXXIV] W[MXGL MW XYVRIH SR

i OI]  XS TSWMXMSR    ! 3**


i OI]  XS TSWMXMSR    ! 32

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

7[MXGLMRK SR HVMZMRK PMKLX i HMTTIH FIEQ


d 8YVR XLI W[MXGL  TEVOMRKHVMZMRK PMKLX XS PIZIP -
8LI TEVOMRK PMKLX KSIW SR
d 8YVR XLI W[MXGL  TEVOMRKHVMZMRK PMKLX XS PIZIP --
8LI HVMZMRK PMKLX KSIW SR
d 8S W[MXGL SJJ XLI TEVOMRK PMKLX ERH HVMZMRK PMKLX TYWL XLI W[MXGL EPP XLI
[E] FEGO
%PP JYRGXMSRW EVI W[MXGLIH SJJ

7[MXGLMRK SR XLI HVMZMRK PMKLX i LMKL FIEQ


1EOI WYVI XLEX XLI W[MXGL JSV XLI TEVOMRKHVMZMRK PMKLX MW TYWLIH HS[R

7XIIVMRK GSPYQR W[MXGL ERH MRHMGEXSV YRMX


 WXIIVMRK GSPYQR W[MXGL  W]QFSP JMIPH i LIEHPMKLX

d 4VIWW XLI W[MXGL JSV TEVOMRKHVMZMRK PMKLX


8LI HVMZMRK PMKLX MPPYQMREXIW
d 4YWL XLI WXIIVMRK GSPYQR W[MXGL  MR HMVIGXMSR  J
8LI W]QFSP JMIPH  JSV XLI HVMZMRK PMKLX QYWX PMKLX YT
8LI LMKL FIEQ PMKLXW YT

7[MXGLMRK FEGO XS HVMZMRK PMKLX i HMTTIH FIEQ

7XIIVMRK GSPYQR W[MXGL ERH MRHMGEXSV YRMX


 WXIIVMRK GSPYQR W[MXGL  W]QFSP JMIPH i LIEHPMKLX

d 7[MXGLMRK SZIV XS HMTTIH FIEQ TYWL XLI WXIIVMRK GSPYQR W[MXGL  MR


HMVIGXMSR  J
8LI W]QFSP JMIPH  JSV XLI LIEHPMKLX QYWX KS SYX
8LI HVMZMRK PMKLX i HMTTIH FIEQ PMKLXW YT

 (MWTPE] YRMX


8LI PE]SYX ERH JYRGXMSR SJ XLI GSRXVSP YRMX MW HIWGVMFIH MR XLMW WIGXMSR 8LI
HIXEMPIH HIWGVMTXMSR SJ STIVEXMSR MW XS FI JSYRH MR XLI ETTVSTVMEXI WIGXMSRW
MR XLI GLETXIV 3TIVEXMSR LERHPMRK 

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

0E]SYX

(MWTPE] YRMX
 W]QFSP JMIPH i L]HVEYPMG SMP  W]QFSP JMIPH i LIEHPMKLX
SZIVLIEXMRK  W]QFSP JMIPH i XVEZIP HMVIGXMSR
 W]QFSP JMIPH i IRKMRI SZIV pJSV[EVHWr
LIEXMRK  W]QFSP JMIPH i XVEZIP HMVIGXMSR
 W]QFSP JMIPH i EMV JMPXIV GSRXEQM pVIZIVWIr
REXMSR  W]QFSP JMIPH i XVEZIP VERKI -i
 W]QFSP JMIPH i IRKMRI SMP  W]QFSP JMIPH i XVEZIP VERKI --
TVIWWYVI  W]QFSP JMIPH i TVIKPS[ QSRMXSV
 W]QFSP JMIPH i FEXXIV] GLEVKMRK  IRKMRI SMP XIQTIVEXYVI HMWTPE]
GLEVKI GSRXVSP  STIVEXMRK LSYVW GSYRXIV
 W]QFSP JMIPH i TEVOMRK FVEOI  JYIP KEYKI
 W]QFSP JMIPH i HMVIGXMSR MRHMGE
XSV W]WXIQ

8LI MRHMGEXSV YRMX MW MRWXEPPIH EX XLI JVSRX SR XLI MRWXVYQIRX TERIP


-X GSRWMWXW SJ W]QFSP JMIPHW JSV XLI ZEVMSYW [EVRMRK ERH HMWTPE] JYRGXMSRW
)EGL W]QFSP JMIPH MW EWWMKRIH XLI ETTVSTVMEXI GSPSYV VIH ]IPPS[ KVIIR SV
FPYI 

*YRGXMSR HIWGVMTXMSR
,]HVEYPMG SMP SZIVLIEXMRK HMWTPE]QIWWEKI
7]QFSP JMIPH i L]HVEYPMG SMP SZIVLIEXMRK 
7]QFSP JMIPH GSPSYV i VIH
PMKLXW YT [LIR XLI L]HVEYPMG SMP XIQTIVEXYVI MW XSS LMKL
8LI [EVRMRK JYRGXMSR SJ XLI W]QFSP JMIPH MW WYTTSVXIH F] ER EGSYWXMG
WMKREP
;LIR XLI W]QFSP JMIPH PMKLXW YT
i XLI XVEZIP VERKI MW EYXSQEXMGEPP] W[MXGLIH FEGO XS  -
i XLI W]QFSP JMIPHW i XVEZIP VERKI  -  ERH  --PMKLX YT

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

(MWTPE]MRK SV MRHMGEXMRK IRKMRI SZIVLIEXMRK


7]QFSP JMIPH i IRKMRI SZIVLIEXMRK 
7]QFSP JMIPH GSPSYV i VIH
;EVRMRK JYRGXMSRW
i PMKLXW YT [LIR XLI IRKMRI SMP XIQTIVEXYVI MW XSS LMKL
i PMKLXW YT [LIR XLI GSSP FPS[IVHVMZI FVIEOW HS[R
8LI [EVRMRK JYRGXMSR SJ XLI W]QFSP JMIPH MW WYTTSVXIH F] ER EGSYWXMG
WMKREP

%MV JMPXIV GSRXEQMREXMSR HMWTPE]


7]QFSP JMIPH i EMV JMPXIV GSRXEQMREXMSR 
7]QFSP JMIPH GSPSYV i VIH
PMKLXW YT [LIR XLI EMV JMPXIV MW LIEZMP] GSRXEQMREXIH 8LI EMV JMPXIV QYWX FI
WIVZMGIH

)RKMRI SMP TVIWWYVI HMWTPE]QIWWEKI


7]QFSP JMIPH i IRKMRI SMP TVIWWYVI 
7]QFSP JMIPH GSPSYV i VIH
;EVRMRK JYRGXMSRW
i PMKLXW YT [LIR XLI WXEVXMRK OI] MW EX XLI MKRMXMSR TSWMXMSR  - 
;LIR XLI HMIWIP IRKMRI LEW WXEVXIH XLI W]QFSP JMIPH KSIW SYX
i JPEWLIW [LIR XLI IRKMRI SMP TVIWWYVI HVSTW i 'SRHMXMSR HMIWIP
IRKMRI MW VYRRMRK
8LI [EVRMRK JYRGXMSR SJ XLI W]QFSP JMIPH MW WYTTSVXIH F] ER EGSYWXMG
WMKREP

&EXXIV] GLEVKMRK i GLEVKMRK GSRXVSP HMWTPE]


7]QFSP JMIPH i FEXXIV] GLEVKMRK GLEVKI GSRXVSP 
7]QFSP JMIPH GSPSYV i VIH
;EVRMRK JYRGXMSRW
i PMKLXW YT [LIR XLI MKRMXMSR OI] MW EX XLI MKRMXMSR TSWMXMSR  - 
;LIR XLI HMIWIP IRKMRI LEW WXEVXIH XLI W]QFSP JMIPH KSIW SYX
i PMKLXW YT [LIR JSV I\EQTPI XLI :FIPX SJ XLI EPXIVREXSV HVMZI XIEVW

4EVOMRK FVEOI i EGXMZEXMSR HMWTPE]


7]QFSP JMIPH i TEVOMRK FVEOI 
7]QFSP JMIPH GSPSYV i VIH
;EVRMRK JYRGXMSRW
i PMKLXW YT [LIR XLI TEVOMRK FVEOI MW IRKEKIH
;LIR XLI TEVOMRK FVEOI MW VIPIEWIH XLI W]QFSP JMIPH KSIW SYX

(MVIGXMSR MRHMGEXSV W]WXIQ i EGXMZEXMSR HMWTPE]


7]QFSP JMIPH i HMVIGXMSR MRHMGEXSV W]WXIQ 
7]QFSP JMIPH GSPSYV i KVIIR
(MWTPE] JYRGXMSRW
i JPEWLIW [LIR XLI WXIIVMRK GSPYQR W[MXGL MW EGXYEXIH XS HMWTPE] XLI
XVEZIP HMVIGXMSR
i JPEWLIW [LIR XLI LE^EVH [EVRMRK W]WXIQ MW EGXMZEXIH

,IEHPMKLX i EGXMZEXMSR HMWTPE]


7]QFSP JMIPH i LIEHPMKLX 
7]QFSP JMIPH GSPSYV i FPYI
PMKLXW YT [LIR XLI LIEHPMKLX MW W[MXGLIH SR

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

8VEZIP HMVIGXMSR qJSV[EVHWr HMWTPE]


7]QFSP JMIPH i XVEZIP HMVIGXMSR pJSV[EVHWr 
7]QFSP JMIPH GSPSYV i KVIIR
HMWTPE]W XLI QEGLMRItW TVIWIPIGXIH XVEZIP HMVIGXMSR qJSV[EVHr
6IJIV XS XLI WIGXMSR q0-)&,)66 GSRXVSP PIZIVr

8VEZIP HMVIGXMSR qVIZIVWIr HMWTPE]


7]QFSP JMIPH i XVEZIP HMVIGXMSR pVIZIVWIr 
7]QFSP JMIPH GSPSYV i KVIIR
HMWTPE]W XLI QEGLMRItW TVIWIPIGXIH XVEZIP HMVIGXMSR qVIZIVWIr
6IJIV XS XLI WIGXMSR q0-)&,)66 GSRXVSP PIZIVr

(MWTPE]MRK XVEZIP VERKI  - 


7]QFSP JMIPH i XVEZIP VERKI - 
7]QFSP JMIPH GSPSYV i KVIIR
HMWTPE]W XLI QEGLMRItW TVIWIPIGXIH XVEZIP HMVIGXMSR  -
PMKLXW YT [LIR XLI QEGLMRI MW MR XVEZIP VERKI  - 
6IJIV XS XLI WIGXMSR q7[MXGLIW SR XLI MRWXVYQIRX TERIPr

(MWTPE]MRK XVEZIP VERKI  -- 


7]QFSP JMIPH i XVEZIP VERKI -- 
7]QFSP JMIPH GSPSYV i KVIIR
HMWTPE]W XLI QEGLMRItW TVIWIPIGXIH XVEZIP VERKI  -- 
0MKLXW YT [LIR XLI WXEVXMRK OI] MW MR TSWMXMSR  -  ERH [LIR XLI IRKMRI
WXEVXW YT
0MKLXW YT [LIR XLI QEGLMRI MW MR XVEZIP VERKI  -- 
7II XLI WIGXMSR q7[MXGLIW SR XLI MRWXVYQIRX TERIPr

4VIKPS[ QSRMXSVMRK
7]QFSP JMIPH i TVIKPS[ QSRMXSV 
7]QFSP JMIPH GSPSYV i ]IPPS[
*YRGXMSR
i EX I\XIVREP XIQTIVEXYVI SJ ” ' ERH FIPS[
PMKLXW YT [LIR WXEVXMRK OI] XYVRIH XS MKRMXMSR VYR TVIKPS[ TSWMXMSR  - 
%X XLI IRH SJ XLI TVIKPS[ XMQI ERH [LIR XLI HMIWIP IRKMRI MW WXEVXIH XLI
W]QFSP JMIPH KSIW SYX

)RKMRI SMP XIQTIVEXYVI HMWTPE]


(MWTPE]W XLI IRKMRI SMP XIQTIVEXYVI SJ XLI HMIWIP IRKMRI

3TIVEXMRK LSYVW GSYRXIV


(MWTPE]W XLI STIVEXMRK LSYVW

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

*YIP KEYKI
-RHMGEXIW XLI PIZIP SJ XLI HMIWIP JYIP XERO

 7[MXGLIW SR XLI MRWXVYQIRX TERIP


8LI PE]SYX ERH JYRGXMSR SJ XLI W[MXGLIW MW HIWGVMFIH MR XLMW WIGXMSR 8LI
HIWGVMTXMSR SJ STIVEXMSR MW XS FI JSYRH MR XLI ETTVSTVMEXI WIGXMSRW MR XLI
GLETXIV q3TIVEXMSR LERHPMRKr

0E]SYX

7[MXGLIW SR XLI MRWXVYQIRX TERIP


 HYQQ] TPYK  EMVGSRHMXMSRMRK W[MXGL
 LE^EVH [EVRMRK W]WXIQ W[MXGL  FPS[IV  LIEXMRKEMVGSRHMXMSR
 [SVOMRK JPSSHPMKLXWJVSRX W[MXGL MRK W[MXGL
 [SVOMRK JPSSHPMKLXWVIEV ST  FEGO [MRHWLMIPH [MTIV W[MXGL
XMSREP W[MXGL  XVEZIP VERKI FYXXSR
 TEVOMRK PMKLXHVMZMRK PMKLX W[MXGL

8LI W[MXGLIW EVI MRXIKVEXIH MR XLI MRWXVYQIRX TERIP

*YRGXMSR HIWGVMTXMSR
(YQQ] TPYK
(YQQ] TPYK 
2SX EWWMKRIH
6IWIVZIH JSV WTIGMEP JYRGXMSRW

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

7[MXGLMRK SR XLI LE^EVH [EVRMRK W]WXIQ


7[MXGL i [EVRMRK PMKLXW 
7]QFSP JMIPH GSPSYV i VIH
*SV W[MXGLMRK XLI LE^EVH [EVRMRK W]WXIQ 32 SV 3**
;LIR XLI W[MXGL MW EGXMZEXIH
i MJ XLI W]QFSP JMIPH  LE^EVH [EVRMRK W]WXIQ MW JPEWLMRK EPP JPEWLMRK
PMKLXW SR XLI QEGLMRI EVI JPEWLMRK
i MJ XLI W]QFSP JMIPH  LE^EVH [EVRMRK W]WXIQ KSIW SYX EPP JPEWLMRK PMKLXW
SR XLI QEGLMRI EVI I\XMRKYMWLIH

7[MXGLMRK SR XLI [SVOMRK JPSSHPMKLXWJVSRX STXMSREP


7[MXGL  [SVOMRK JPSSHPMKLXWJVSRX  i STXMSREP
7]QFSP JMIPH GSPSYV i VIH
*SV XYVRMRK XLI [SVOMRK JPSSHPMKLXWJVSRX 32 SV 3**
;LIR XLI W[MXGL MW TVIWWIH  XLI [SVOMRK JPSSHPMKLXWJVSRX KS SYX

7[MXGLMRK SR XLI [SVOMRK JPSSHPMKLXWVIEV 3TXMSREP


7[MXGL  [SVOMRK JPSSHPMKLXWVIEV  i STXMSREP
7]QFSP JMIPH GSPSYV i VIH
*SV XYVRMRK XLI [SVOMRK JPSSHPMKLXWVIEV 32 SV 3**
;LIR XLI W[MXGL MW TVIWWIH  XLI [SVOMRK JPSSHPMKLXWVIEV KS SYX

7[MXGLMRK SR TEVOMRK SV HVMZMRK PMKLX


7[MXGL i TEVOMRK PMKLXHVMZMRK PMKLX 
*MIPH GSPSYV i KVIIR
*YRGXMSR JSV TEVOMRK PMKLX  W[MXGLPIZIP  - 
i *SV W[MXGLMRK XLI TEVOMRK PMKLX 32 SV 3**
i %JXIV XLI W[MXGL LEW FIIR XYVRIH XS PIZIP  -  XLI JSPPS[MRK PMKLXW SR
XLI QEGLMRI QYWX PMKLX YT
d (VMZMRK LIEHPEQTW i PIJXVMKLX WMHIQEVOIV PEQT
d 8EMP PEQTW i PIJXVMKLX
*YRGXMSR JSV HVMZMRK PMKLX i W[MXGLPIZIP  -- 
i JSV XYVRMRK XLI HVMZMRK PMKLX 32 SV 3**
i %JXIV XLI W[MXGL LEW FIIR XYVRIH XS PIZIP  --  XLI JSPPS[MRK PMKLXW SR
XLI QEGLMRI QYWX PMKLX YT
d (VMZMRK LIEHPEQTW i PIJXVMKLX
d 8EMP PEQTW i PIJXVMKLX

7[MXGLMRK SR EMVGSRHMXMSRMRK STXMSREP


7[MXGL i EMVGSRHMXMSRMRK 
*MIPH GSPSYV i KVIIR
*SV W[MXGLMRK XLI EMVGSRHMXMSRMRK W]WXIQ 32 SV 3**
%JXIVV EGXYEXMRK XLI W[MXGL XLI EMVGSRHMXMSRMRK MW W[MXGLIH SRSJJ

7[MXGLMRK SR FPS[IV  LIEXMRKEMVGSRHMXMSRMRK


7[MXGL i FPS[IV  LIEXMRKEMVGSRHMXMSRMRK 
*MIPH GSPSYV i KVIIR
*SV XYVRMRK XLI LIEXMRKEMVGSRHMXMSRMRK 32 SV 3**
%JXIV EGXYEXMRK XLI W[MXGL XLI LIEXMRKEMVGSRHMXMSRMRK FPS[IV MW W[MXGLIH
SRSJJ

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

7[MXGLMRK SR SV SJJ XLI [MRHWLMIPH [MTMRK ERH [EWLMRK


W]WXIQ  VIEV [MRHS[ SR SV SJJ
7[MXGL i [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ i VIEV [MRHS[ 
*MIPH GSPSYV i KVIIR
*SV W[MXGLMRK 32 SV 3** XLI [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ JSV XLI
VIEV [MRHS[

7IPIGXMRK XVEZIP VERKIW


8VEZIP VERKI FYXXSR 
*MIPH GSPSYV i KVIIR
*SV WIPIGXMRK XVEZIP VERKIW - -- ERH RIYXVEPMWMRK XLI XVEZIP HMVIGXMSR
%JXIV XLI IPIGXVMGEP W]WXIQ LEW FIIR XYVRIH SR XVEZIP VERKI  --  MW
EYXSQEXMGEPP] EGXMZEXIH
-X MW RSX TSWWMFPI XS WIPIGX ERSXLIV XVEZIP VERKI YRXMP XLI XVEZIP HMVIGXMSR LEW
FIIR WIPIGXIH
7IPIGXMRK XLI XVEZIP VERKIW
i 4VIWW XLI q8SVXSMWIr W]QFSP XS W[MXGL XLI XVEZIP VERKI HS[R XS - 
i 4VIWW XLI q,EVIr W]QFSP XS W[MXGL XLI XVEZIP VERKI YT XS -- 

 0-)&,)66 GSRXVSP PIZIV


9WI XLI q0-)&,)66 GSRXVSP PIZIVr 0, GSRXVSP PIZIV XS GSRXVSP XLI XVEZIP
HMVIGXMSR ERH QSZIQIRXW SJ XLI [SVOMRK EXXEGLQIRX

0E]SYX

0, GSRXVSP PIZIV
 TMPSX GSRXVSP PIZIV  XVEZIP HMVIGXMSR W[MXGL

8LI 0, GSRXVSP PIZIV GSRXEMRW XLI GSRXVSPW JSV WIPIGXMRK XLI XVEZIP HMVIGXMSR
ERH STIVEXMRK XLI [SVOMRK EXXEGLQIRX

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

8VEZIP HMVIGXMSR W[MXGL


*YRGXMSR HIWGVMTXMSR
1SZI XLI XVEZIP HMVIGXMSR W[MXGL XS q*r SV q6r XS GLERKI XLI HMVIGXMSR SJ
XVEZIP
7II EPWS XLI XLI q(VMZMRK QSHIr WIGXMSR

7[MXGLMRK XLI HMVIGXMSR SJ XVEZIP


 FYXXSR JSV W[MXGLMRK XLI XVEZIP * *SV[EVH
HMVIGXMSR XS RIYXVEP 6 6IZIVWI
 W[MXGL JSV XVEZIP HMVIGXMSR

*YRGXMSRW SJ XLI XVEZIP HMVIGXMSR W[MXGL


i * MW XLI HMVIGXMSR i *36;%6(7 *SV[EVH
i 6 MW XLI XVEZIP HMVIGXMSR i 6):)67) 6IZIVWI
7]QFSP JMIPHW EVI YWIH XS WLS[ XLI TVIWIPIGXIH HVMZMRK HMVIGXMSR SR XLI
MRWXVYQIRX TERIP MR XLI HMWTPE] YRMX
7II WIGXMSR q-RHMGEXSV YRMXr
*YRGXMSR i RIYXVEP WIPIGXMSR
i 4VIWWMRK XLI 8SVXSMWI W]QFSP SR XLI FYXXSR  W[MXGLIW XLI HMVIGXMSR SJ
XVEZIP XS RIYXVEP  2  EJXIV ETTVS\MQEXIP]  WIGSRHW

0, GSRXVSP PIZIV JSV GSRXVSPPMRK XLI [SVOMRK EXXEGLQIRX

0E]SYX
8LI KVMT SJ XLI 0, GSRXVSP PIZIV MW PMROIH QIGLERMGEPP] XS XLI TMPSX GSRXVSP
HIZMGI HMVIGXP] YRHIVRIEXL MX

*YRGXMSR HIWGVMTXMSR
7II EPWS XLI WIGXMSR q;SVOMRK [MXL XLI EXXEGLQIRXr

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

1SZIQIRX HMVIGXMSRW SJ XLI 0, GSRXVSP PIZIV


E FEGO[EVHW G XS XLI PIJX
F JSV[EVH YT XS EGXMSR TSMRX H XS XLI VMKLX
F JSV[EVH YT XS XLI WXST IL HMEKSREP

8LI [SVOMRK EXXEGLQIRX MW GSRXVSPPIH F] QSZMRK XLI 0, GSRXVSP PIZIV 


8LI QSZIQIRX HMVIGXMSRW SJ XLI 0, GSRXVSP PIZIV ERH XLI VIWYPXMRK JYRGXMSRW
E i PMJX EVQ MW VEMWIH
F i p2SVQEP PS[IVMRK JYRGXMSRr i PMJXMRK EVQW EVI PS[IVIH
F i p*PSEX TSWMXMSR JYRGXMSRr i PMJX EVQW QSZI XS JPSEX TSWMXMSR
G i FYGOIX MW XMPXIH MR
H i FYGOIX MW XMPXIH SYX
I i PMJX EVQ MW VEMWIH ERH XLI FYGOIX MW WMQYPXERISYWP] XMPXIH MR
J i PMJX EVQ MW PS[IVIH ERH XLI FYGOIX MW WMQYPXERISYWP] XMPXIH SYX
K i PMJX EVQ MW VEMWIH ERH XLI FYGOIX MW WMQYPXERISYWP] XMPXIH SYX
L i 8LI PMJX EVQW EVI PS[IVIH ERH XLI FYGOIX MW WMQYPXERISYWP] XMTTIH YT

 )PIGXVMGEP EGXYEXMSR SJ EHHMXMSREP JYRGXMSRW STXMSR


8LI QEGLMRI GER FI STXMSREPP] JMXXIH [MXL IPIGXVMGEP EGXYEXMSR JSV ER L]
HVEYPMG UYMGOGLERKI HIZMGI ERH EHHMXMSREP EXXEGLQIRXW

*YRGXMSR HIWGVMTXMSR
)PIGXVMGEP EGXYEXMSR MW IJJIGXIH YWMRK E FYXXSR SR XLI 0, STIVEXMRK PIZIV
&YXXSR EGXYEXMSR  L]HVEYPMG UYMGOGLERKI HIZMGI
i  GSRXVSP GMVGYMX EHHMXMSREP STIVEXMRK PIZIV HSIW RSX ETTP]
FYXXSR EGXYEXMSR  STXMSREP EXXEGLQIRX
i  GSRXVSP GMVGYMX

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

)PIGXVMGEP EGXYEXMSR SJ STXMSREP JYRGXMSRW


 W[MXGL  FYXXSR
 FYXXSR

7[MXGLMRK SR W[MXGLI  SR XLI MRWXVYQIRX TERIP EGXMZEXIW XLI STXMSREP


JYRGXMSRW
%GXYEXMSR SJ FYXXSR  YRH  SR XLI 0, STIVEXMRK PIZIV ERH XLI VIWYPXMRK
JYRGXMSRW
 i JYRGXMSR HITIRHW SR XLI X]TI SJ STXMSREP EXXEGLQIRX QSYRXIH
 i JYRGXMSR HITIRHW SR XLI X]TI SJ STXMSREP EXXEGLQIRX QSYRXIH
*EQMPMEVMWI ]SYVWIPJ [MXL XLI STIVEXMSR SJ XLI FYMPXSR STXMSREP EXXEGL
QIRX

 'SRXVSP PIZIV JSV STXMSREP [SVOMRK JYRGXMSRW


8LMW IUYMTQIRX MW STXMSREP
8LI GSRXVSP PIZIV JSV EHHMXMSREP [SVOMRK JYRGXMSRW EHHMXMSREP GSRXVSP PIZIV
MW MRWXEPPIH XS XLI VMKLX SJ XLI 0, GSRXVSP PIZIV MR XLI MRWXVYQIRX TERIP

*YRGXMSR HIWGVMTXMSR
-J ER STXMSREP EXXEGLQIRX [MXL MRHITIRHIRX GSRXVSP GMVGYMX MW EXXEGLIH XS XLI
PMJX EVQ XLIR XLMW [MPP FI GSRXVSPPIH F] XLI EHHMXMSREP GSRXVSP PIZIV

1SZIQIRX HMVIGXMSRW SJ XLI EHHMXMSREP GSRXVSP PIZIV


E i FEGO[EVHW F i JSV[EVHW

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

8LI [SVOMRK EXXEGLQIRX MW GSRXVSPPIH F] QSZMRK XLI EHHMXMSREP GSRXVSP PIZIV



8LI QSZIQIRX HMVIGXMSRW SJ XLI EHHMXMSREP GSRXVSP PIZIV ERH XLI VIWYPXMRK
JYRGXMSRW
E i JYRGXMSR HITIRHW SR XLI X]TI SJ STXMSREP EXXEGLQIRX QSYRXIH
F i JYRGXMSR HITIRHW SR XLI X]TI SJ STXMSREP EXXEGLQIRX QSYRXIH
*EQMPMEVMWI ]SYVWIPJ [MXL XLI STIVEXMSR SJ XLI FYMPXSR STXMSREP EXXEGL
QIRX
6IJIV XS XLI WIGXMSR q3TIVEXMSRr q;SVOMRK [MXL STXMSREP IUYMTQIRXr SV XS
XLI 3TIVEXSV W QERYEP JSV XLI EHHMXSREP IUYMTQIRX

 ,IEXMRK :IRXMPEXMSR

7[MXGLMRK XLI LIEXMRK W]WXIQ SRSJJ


'SRXVSP IPIQIRXW JSV XLI LIEXMRK
 i 8YVRMRK XLI IRKMRI SMP MRPIX SRSJJ
 i 7[MXGL i FPS[IV
1EOI WYVI
i XLI QEGLMRI IPIGXVMGEP W]WXIQ MW W[MXGLIH SR
i XLI SYXPIX RS^^PIW JSV XLI VIUYMVIH EMV WXVIEQ EVI STIR
IK XS XLI FSH] JVSRX [MRHWGVIIR VIEV [MRHS[

d 7[MXGLMRK SR XLI LIEXIV 8YVR W[MXGL  XS PIZIP 


8LI EMV WXVIEQ MW FPS[R MRXS XLI HVMZIV W GEF ZME SYXPIX RS^^PIW
d 8LI XIQTIVEXYVI GER FI GSRXMRYSYWP] EHNYWXIH
6IKYPEXMRK XLI XIQTIVEXYVI 8YVR XLI SRSJJ W[MXGL  XS XLI VIUYMVIH
TSWMXMSR

6IKYPEXMRK XLI FPS[IV


8LI FPS[IV MW W[MXGLIH SRSJJ [MXL XLI FPS[IV W[MXGL 
&PS[IV PIZIPW
0IZIP  i TSWMXMSR i 3**
0IZIP  i KIRXPI EMV JPS[
0IZIP  i WXVSRK EMV JPS[
d 8YVR W[MXGL  XS XLI VIUYMVIH PIZIP
8LI EMV WXVIEQ MW FPS[R MRXS XLI HVMZIV W GEF ZME SYXPIX RS^^PIW

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

6IKYPEXMRK EMV WYTTP]


8LI PIZIV JSV EMV ZIRX EHNYWXQIRX MW QSYRXIH FILMRH XLI HVMZIV W WIEX SR
XLI VMKLX
0IZIV i ZIRXMPEXMSR ZIRX EHNYWXQIRX 
0IZIV WIXXMRKW
4SWMXMSR E i VIGMVGYPEXIH EMV
4SWMXMSR F i JVIWL EMV
d 7[MXGLMRK FIX[IIR JVIWL ERH VIGMVGYPEXIH EMV XYVR XLI PIZIV  XS XLI
VIUYMVIH TSWMXMSR

 %MVGSRHMXMSRMRK STXMSREP

3TIVEXMRK XLI EMVGSRHMXMSRMRK W]WXIQ


-R SVHIV XS KYEVERXII XLI PSRKXIVQ VIPMEFMPMX] SJ XLI EMVGSRHMXMSRMRK W]W
XIQ [I VIGSQQIRH XLEX MX MW W[MXGLIH SR EX PIEWX IZIV]  HE]W
;LIR XLI EMVGSRHMXMSRMRK W]WXIQ MW VYRRMRK XLI WLEJX WIEP VMRK MR XLI
EMVGSRHMXMSRMRK GSQTVIWWSV MW EPWS PYFVMGEXIH 8LMW TVIZIRXW VIJVMKIVERX
IWGETMRK JVSQ XLI EMVGSRHMXMSRMRK GSQTVIWWSV
8LI HMIWIP IRKMRI QYWX FI VYRRMRK FIJSVI XLI EMVGSRHMXMSRMRK MW W[MXGLIH
SR
d 7[MXGLMRK SR XLI EMVGSRHMXMSRMRK W]WXIQ XYVR W[MXGL  XS PIZIP  SV 

%MVGSRHMXMSRMRK PIZIV W[MXGL

d 8LI VIUYMVIH GEF XIQTIVEXYVI GER FI WIX F] XYVRMRK XLI W[MXGL SR XLI
LIEXIV
-R SVHIV XS EGLMIZI E WXMPP KVIEXIV HIKVII SJ GSSPMRK MR XLI GEF XEOI XLI
JSPPS[MRK WXITW
d XYVR W[MXGL  XS PIZIP 
d GPSWI LIEXIV SRSJJ W[MXGL
d GPSWI GEF [MRHS[W ERH HSSVW
d XYVR JVIWL EMVGMVGYPEXI EMV XS GMVGYPEXI
d EMV XLI GEF [IPP MJ XLIVI MW [EVQ WXEPI EMV

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

6ILIEX QSHI
8LI EMVGSRHMXMSRMRK W]WXIQ GER FI YWIH XS HILYQHMJ] XLI GEF EMV [LIR
XLI [IEXLIV MW GSSP ERH HEQT
d *SV HILYQMHMJ]MRK XLI GEF EMV W[MXGL SR XLI EMVGSRHMXMSRMRK W]WXIQ MR
EHHMXMSR XS XLI LIEXIV
8LI JSVQEXMSR SJ E PE]IV SJ GSRHIRWEXMSR SR XLI [MRHS[W MW XLYW TVI
ZIRXIH EW XLI LYQMHMX] MR XLI EMV GSRHIRWIW SR XLI GSSPIV IZETSVEXSV ERH
MW GSPPIGXIH EW [EXIV MR XLI HVMT XVE] ERH HVEMRW E[E] SYXWMHI

7[MXGLMRK SJJ XLI EMVGSRHMXMSRMRK W]WXIQ


d 7[MXGLMRK SJJ XLI EMVGSRHMXMSRMRK W]WXIQ XS HS XLMW TVIWW XLI FYXXSR i
EMVGSRHMXMSRMRK W]WXIQ

EMVGSRHMXMSRMRK W[MXGL

 -RXIVREP GEF MPPYQMREXMSR


8LI MRXIVREP PMKLXMRK  MW QSYRXIH SR XLI XST PIJXLERH WMHI SJ XLI GEF

7[MXGLMRK XLI MRXIVREP MPPYQMREXMSR SRSJJ

-RXIVREP MPPYQMREXMSR
 -RXIVREP MPPYQMREXMSR  7[MXGL

d 7[MXGLMRK XLI MRXIVREP MPPYQMREXMSR SRSJJ TVIWW W[MXGL  

 -RWMHI ERH SYXWMHI QMVVSVW


8LI HVMZIVtW GEF MW IUYMTTIH [MXL SRI MRWMHI ERH X[S SYXWMHI QMVVSVW

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

%HNYWXMRK XLI QMVVSVW

 I\XIVMSV QMVVSV
 MRXIVMSV QMVVSV

d -RHMZMHYEPP] EHNYWX EPP QMVVSVW F] XYVRMRK XLIQ

%HNYWXMRK XLI QMVVSV

 7YR ZMWSV


8LI HVMZIV W GEF MW IUYMTTIH [MXL E WYR ZMWSV

%HNYWXMRK XLI WYR ZMWSV


d %HNYWX XLI WYR ZMWSV EGGSVHMRK XS ]SYV MRHMZMHYEP VIUYMVIQIRXW F]
TYPPMRK MX HS[R SV YT

%HNYWXMRK XLI WYR ZMWSV

 )PIGXVMG [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ

0E]SYX
8LI QEGLMRI MW IUYMTTIH [MXL ER IPIGXVMG [MRHWLMIPH [MTIV ERH [EWLIV
W]WXIQ JSV XLI JVSRX ERH VIEV [MRHS[W
)WWIRXMEPP] MX GSRWMWXW SJ XLI GSRXVSPW XLI [MRHS[WLMIPH [MTIVW XLI VIWIZSMV
ERH XLI SYXPIX RS^^PIW JSV XLI [EWLMRK EKIRX

7[MXGLMRK SR XLI [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ


&IJSVI W[MXGLMRK SR XLI [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ QEOI WYVI
XLEX XLI QEGLMRI W IPIGXVMGEP W]WXIQ MW W[MXGLIH SR

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
3TIVEXMSR

3TIVEXMRK XLI [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ i JVSRX


[MRHS[

7XIIVMRK GSPYQR W[MXGL


 TYWLFYXXSR L W[MXGLMRK SR XLI [MRHWLMIPH
 LERHPI [MTIV ERH [EWLIV W]WXIQ
H [MRHWLMIPH [MTIV EGXYEXMSR

d ;MTI [MRHS[ XYVR LERHPI  XS XLI VIUYMVIH PIZIP . i -


d ;EWL [MRHS[ TVIWW FYXXSR  SR XLI WXIIVMRK GSPYQR W[MXGL
;EWLMRK WSPYXMSR MW WTVE]IH SRXS XLI JVSRX [MRHWLMIPH ZME SYXPIX RS^^PIW

7[MXGLMRK SR XLI [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ i


VIEV [MRHS[
8LI [MRHS[ [MTMRK ERH [EWLMRK W]WXIQ MW EGXYEXIH F] TVIWWMRK W[MXGL 

;MRHWLMIPH [MTIV W[MXGL


 7[MXGL JSV [MRHWLMIPH [MTIV
W]WXIQi VIEV [MRHWLMIPH

d ;MTMRK XLI [MRHS[ TVIWW W[MXGL  


8LI FEGO [MRHWLMIPH [MTIV MW EGXMZEXIH
d ;MTMRK ERH [EWLMRK XLI [MRHS[ TVIWW W[MXGL  TVIWW XLI FYXXSR  SR
XLI WXIIVMRK GSPYQR W[MXGL
;EWLMRK WSPYXMSR MW WTVE]IH SRXS XLI VIEV [MRHS[ ZME ER SYXPIX RS^^PI
d 7[MXGLMRK SJJ XLI [MRHS[ [EWLMRK W]WXIQ TVIWW W[MXGL  FEGO

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
3TIVEXMSR

 6IWIZSMV JSV [MRHWLMIPH [EWLIV JPYMH

0E]SYX

;MRHWLMIPH [EWLIV JPYMH GSRXEMRIV


 GSRXEMRIV [MXL JMPPMRK MRPIX

8LI GSRXEMRIV  MW SR XLI PIJXLERH WMHI YRHIV XLI IRKMRI GSQTEVXQIRX


GSZIV EFSZI XLI EMV JMPXIV

8STTMRK YT [MXL [MRHWLMIPH [EWLIV JPYMH


*MPPMRK UYERXMX] ETTVS\  PMXVIW
d ;LIR RIGIWWEV] VIJMPP [MXL GSQQIVGMEPP] EZEMPEFPI [MRHS[ GPIERMRK
EKIRX

'EYXMSR 6MWO SJ HEQEKI XS XLI [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ JVSQ MGI
-GMRK YT GER VIWYPX MR XLI FVIEOHS[R SV HEQEKI XS XLI [MRHWLMIPH [MTIV
ERH [EWLIV W]WXIQ %R STEUYI JVSRX SV VIEV [MRHWGVIIR MW E WEJIX]
LE^EVH
 -X MW IWWIRXMEP XS TVSXIGX XLI [MRHWLMIPH [MTIV ERH [EWLIV W]WXIQ JVSQ MGI
FYMPHYT

d 9WI GSQQIVGMEPP] EZEMPEFPI [MRHWGVIIR JVSWX TVSXIGXMSR


d &IJSVI XLI WXEVX SJ XLI GSPH WIEWSR XST YT [MXL ER ETTVSTVMEXI UYERXMX]
SJ ERXMJVII^I

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

 ,ERHPMRK

 (EMP] WXEVXYT VSYXMRI


1EOI WYVI XLEX
i FIJSVI WXEVXMRK YT XLI QEGLMRI IEGL HE] XLI q HEMP] QEMRXIRERGI
XEWOW IZIV]  STIVEXMRK LSYVWr WLSYPH FI GEVVMIH SYX 7II q1EMR
XIRERGIr GLETXIV
%JXIV XLI qQEMRXIRERGI NSFW HEMP] IZIV]  STIVEXMRK LSYVWr LEZI FIIR
GSQTPIXIH XLI QEGLMRI WLSYPH FI QSZIH MRXS XLI STIVEXMRK TSWMXMSR
7II q3TIVEXMRK TSWMXMSRr WIGXMSR 
i IRSYKL HMIWIP JYIP WLSYPH FI EZEMPEFPI JSV XLI JSVIWIIR HEMP] [SVOPSEH
7II q6IJYIPPMRK [MXL HMIWIP JYIPr WIGXMSR 

3TIVEXMRK TSWMXMSR
8S FVMRK XLI QEGLMRI MRXS XLI STIVEXMRK TSWMXMSR TVSGIIH EW JSPPS[W
8YVRMRK SR XLI QEMR FEXXIV] 8LI QEMR FEXXIV] W[MXGL MW PSGEXIH SR XLI PIJXLERH WMHI SJ XLI HVMZIVtW GEF
W[MXGL EX XLI FEGO

1EMR FEXXIV] W[MXGL


 QEMR FEXXIV] W[MXGL  QEMR W[MXGL  OI]

d 8YVR SR XLI QEMR FEXXIV] W[MXGL


'PSWMRK WIVZMGI HSSVW LEXGLIW d 'PSWI EPP WIVZMGI HSSVW LEXGLIW ERH LSSHW ERH [LIVI TSWWMFPI PSGO
ERH LSSHW XLIQ
6IPIEWMRK XLI EVXMGYPEXMSR PSGO ;LIR XLI EVXMGYPEXMSR PSGO MW IRKEKIH RS WXIIVMRK JYRGXMSRW EVI TSWWMFPI

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

%VXMGYPEXMSR PSGO
 WEJIX] FEV  WTVMRK GPMT
 TMR

;EVRMRK 6MWO SJ EGGMHIRXW [LIR WXIIVMRK MW FPSGOIH


;LIR XLI EVXMGYPEXMSR PSGO MW IRKEKIH RS WXIIVMRK JYRGXMSRW EVI TSWWMFPI
 6IPIEWI XLI EVXMGYPEXMSR PSGO

d 4MR PSGOMRK FEV  MR XLI VIEV TSWMXMSR


d 7IGYVI TMR  EKEMRWX HVSTTMRK SYX [MXL E WTPMX TMR 
1SZMRK XLI [SVOMRK EXXEGLQIRX
XS XLI WXEVXMRK TSWMXMSR

7XEVXMRK TSWMXMSR

d 7IX XLI FYGOIX HS[R JPEX SR XLI KVSYRH

6IJYIPPMRK [MXL HMIWIP JYIP


1EOI WYVI XLEX XLI QEGLMRItW IPIGXVMGEP W]WXIQ MW W[MXGLIH SR

7XEVXIV W[MXGL i GSRXEGX TSWMXMSR

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

(MWTPE] YRMX
 *YIP KEYKI

d 6IEH XLI HMWTPE] MR XLI WIKQIRX JMIPH i JYIP KEYKI  XS WII MJ XLIVI MW
IRSYKL HMIWIP JYIP MR XLI XERO
-J XLIVI MW XSS PMXXPI HMIWIP JYIP qJYIP RIIHPIr HVSTW XS XLI VIH VERKI
8LIVI [MPP WXMPP FI E VIWMHYEP ZSPYQI SJ ETTVS\  P PIJX MR XERO

7EJIX] [LIR VIJYIPPMRK

(ERKIV 8LIVI MW E VMWO SJ JMVIW ERH I\TPSWMSRW


 (S RSX WQSOI ERH EZSMH REOIH JPEQIW [LIR VIJYIPPMRK
 3RP] VIJYIP [LIR XLI IRKMRI MW W[MXGLIH SJJ

d -X MW IWWIRXMEP XS SFWIVZI XLI WEJIX] VIKYPEXMSRW JSV VIJYIPPMRK %PWS VIJIV


XS XLI 'LETXIV q7EJIX] VIKYPEXMSRWr
d 3RP] YWI GPIER JYIP
d 'EVIJYPP] GPIER EVSYRH XLI XERO GET FIJSVI XEOMRK MX SJJ
d -J VIUYMVIH VIJYIP [MXL HMIWIP JYIP
d 6IJYIP MJ TSWWMFPI EX XLI IRH SJ XLI [SVOMRK HE] XS TVIZIRX GSRHIRWE
XMSR FYMPHYT MR XLI XERO
8LI QEGLMRI MW VIEH] JSV STIVEXMSR

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

 7XEVXMRK XLI HMIWIP IRKMRI

 JMVWX VIEH ERH YRHIVWXERH


 SRP] XLIR HVMZI ERH [SVO
3RP] STIVEXI XLI QEGLMRI [LIR ]SY LEZI VIEH ERH YRHIVWXSSH XLI
STIVEXSV W QERYEP

3TIVEXSV W QERYEP

-RJSVQEXMSR EFSYX XLI QEGLMRItW XVEZIP HVMZI


i XLI QEGLMRI MW IUYMTTIH [MXL E L]HVSWXEXMG XVEZIP HVMZI
i XLI IRKMRI GERRSX FI FYQTWXEVXIH SV XS[WXEVXIH

4VIGEYXMSRW FIJSVI WXEVXYT


8LI JSPPS[MRK TVIGEYXMSRW WLSYPH FI XEOIR FIJSVI WXEVXMRK XLI QEGLMRI
*MVWX QEOI WYVI XLEX XLI QEGLMRI MW MR MXW STIVEXMRK TSWMXMSR
7II q3TIVEXMRK TSWMXMSRr WIGXMSR 

7XEVXYT TVSGIHYVI
0EQT GLIGO (YVMRK E qPEQT GLIGOr XLI JSPPS[MRK W]QFSP JMIPHW EVI GLIGOIH F] XLI
GSRXVSP IPIGXVSRMGW
d 7[MXGL SR XLI IPIGXVMGEP W]WXIQ F] XYVRMRK XLI MKRMXMSR OI] XS TSWMXMSR 
- 

8LI JSPPS[MRK W]QFSP JMIPHW FVMIJP] PMKLX YT NYWX FVMIJP] HYVEXMSR ETTVS\
i WIGW 

-RHMGEXSV YRMX i PEQT GLIGO

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

W]QFSP JMIPH i L]HVEYPMG SMP SZIVLIEXMRK 


W]QFSP JMIPH i IRKMRI SZIVLIEXMRK 
W]QFSP JMIPH i EMV JMPXIV GSRXEQMREXMSR 
W]QFSP JMIPH i IRKMRI SMP TVIWWYVI 
W]QFSP JMIPH i FEXXIV] GLEVKMRK GLEVKI GSRXVSP 
W]QFSP JMIPH i TEVOMRK FVEOI 
W]QFSP JMIPH i XVEZIP VERKI  --  
W]QFSP JMIPH i TVIKPS[ QSRMXSV 
%JXIV XLI q'LIGOr LEW FIIR GSQTPIXIH WYGGIWWJYPP] XLI JSPPS[MRK W]QFSP
JMIPHW QYWX WXMPP FI MPPYQMREXIH [MXL XLI OI] EX TSWMXMSR  - 

-RHMGEXSV YRMX i PEQT GLIGO

W]QFSP JMIPH i IRKMRI SMP TVIWWYVI 


W]QFSP JMIPH i FEXXIV] GLEVKMRK GLEVKI GSRXVSP 
W]QFSP JMIPH i TEVOMRK FVEOI 
W]QFSP JMIPH i XVEZIP VERKI  --  

4VILIEXMRK XLI IRKMRI 8LI TVIKPS[ XMQI HITIRHW SR XLI GYVVIRX EQFMIRX XIQTIVEXYVI ERH XLI
IPIGXVMGEP WXEVXMRK GSRHMXMSRW
-X XEOIW EX PIEWX  WIGSRHW ERH [LIR EQFMIRX XIQTIVEXYVIW EVI I\XVIQIP]
PS[ MX GER PEWX SZIV  WIGSRHW
;LIR XLI IRKMRI MW [EVQ ERH XLI EQFMIRX XIQTIVEXYVI LMKL MX MW RSX
RIGIWWEV] XS [EMX YRXMP XLI TVIKPS[ XMQI MW SZIV
2SXI (S RSX TVILIEX IRKMRIW [LMGL EVI EPVIEH] EX STIVEXMRK XIQTIVE
XYVI
d 7[MXGL SR XLI IPIGXVMGEP W]WXIQ F] XYVRMRK XLI MKRMXMSR OI] XS TSWMXMSR 
- 

7XEVXIV W[MXGL i GSRXEGX TVIKPS[


TSWMXMSR
8LI JSPPS[MRK W]QFSP JMIPHW QYWX PMKLX YT

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

(MWTPE] YRMX

W]QFSP JMIPH i IRKMRI SMP TVIWWYVI 


W]QFSP JMIPH i FEXXIV] GLEVKMRK GLEVKI GSRXVSP 
W]QFSP JMIPH i TEVOMRK FVEOI 
W]QFSP JMIPH i XVEZIP VERKI  --  
W]QFSP JMIPH i TVIKPS[ QSRMXSV 

7XEVXMRK XLI IRKMRI d ;EMX YRXMP W]QFSP JMIPH  JSV XLI TVIKPS[ QSRMXSV KSIW SYX
;LIR XLI W]QFSP JMIPH KSIW SYX XLI TVIKPS[ XMQI MW SZIV
2SXI [LIR XLI IRKMRI MW FIMRK TVILIEXIH XLI W]QFSP JMIPH  KSIW SYX
[LIR XLI TIVKPS[ XMQI LEW IPETWIH MI [LIR XLI IRKMRI MW VIEH]
-X XEOIW EX PIEWX  WIGSRHW ERH [LIR EQFMIRX XIQTIVEXYVIW EVI I\XVIQIP]
PS[ MX GER PEWX SZIV  WIGSRHW
8LI IRKMRI GER RS[ FI WXEVXIH

+EW TIHEP

d 4VIWW KEW TIHEP  ETTVS\  SJ XLI [E] HS[R XS EHNYWX XLI HMIWIP
IRKMRI WTIIH

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

7XEVXIV W[MXGL i WXEVXMRK TSWMXMSR

d 8YVR XLI WXEVXMRK OI] XS XLI WXEVXMRK TSWMXMSR  --  ERH OIIT MX MR XLMW
TSWMXMSR YRXMP XLI IRKMRI WXEVXW
d (S RSX EXXIQTX XS WXEVX XLI IRKMRI JSV PSRKIV XLER  WIGSRHW
[MXLSYX MRXIVVYTXMSR
d -J XLI IRKMRI HSIW RSX GYX MR
XYVR XLI WXEVXMRK OI] FEGO XS XLI TSWMXMSR

8VSYFPIWLSSXMRK
;MPP XLI IRKMRI RSX WXEVX#
d 6ITIEX XLI WXEVXMRK TVSGIHYVI EJXIV E FVIEO SJ  WIGSRHW
d -J XLI IRKMRI HSIW RSX GYX MR EJXIV X[S WXEVX EXXIQTXW JMRH XLI GEYWI
YWMRK [MXL XLI QEPJYRGXMSR GLEVX WII XLI q1EPJYRGXMSRWr WIGXMSR ERH
VIGXMJ] MX

d %W WSSR EW XLI IRKMRI WXEVXW VYRRMRK VIPIEWI XLI WXEVXMRK OI]


8LI WXEVXMRK OI] VIXYVRW EYXSQEXMGEPP] XS XLI STIVEXMRK TSWMXMSR
;LIR XLI IRKMRI GYXW MR XLI JSPPS[MRK W]QFSP JMIPHW QYWX KS SYX

(MWTPE] YRMX

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

W]QFSP JMIPH i IRKMRI SMP TVIWWYVI 


W]QFSP JMIPH i FEXXIV] GLEVKMRK GLEVKI GSRXVSP 
;LIR XLI IRKMRI GYXW MR XLI JSPPS[MRK W]QFSP JMIPHW QYWX PMKLX YT

W]QFSP JMIPH i TEVOMRK FVEOI 


W]QFSP JMIPH i XVEZIP VERKI  --  

8VSYFPIWLSSXMRK
(S XLI W]QFSP JMIPHW   RSX KS SYX SV HSIW XLI W]QFSP JMIPH  RSX PMKLX
YT#
d 7LYX HS[R XLI IRKMRI ERH VIGXMJ] XLI TVSFPIQ MR EGGSVHERGI [MXL XLI
WIGXMSR q1EPJYRGXMSRWr

d %HNYWX XLI IRKMRI WTIIH [MXL KEW TIHEP

4VIGEYXMSRW [LIR WXEVXMRK EX XIQTIVEXYVIW FIPS[ JVII^MRK


8LI JSPPS[MRK QIEWYVIW MQTVSZI XLI WXEVXMRK TIVJSVQERGI EX PS[ XIQTIVE
XYVIW
4VIGEYXMSRW
i GLIGO FEXXIV] GLEVKMRK
MJ RIGIWWEV] VIGLEVKI XLI FEXXIV]
i YWI [MRXIVKVEHI JYIP
7II q0YFVMGERXW ERH JYIPWr WIGXMSR YRHIV ;MRXIV STIVEXMSR

;MRXIV STIVEXMSR

;EVRMRK 6MWO SJ I\TPSWMSR [MXL XLI HMIWIP IRKMRI


8LIVI MW E VMWO SJ I\TPSWMSRW [LIR YWMRK ZSPEXMPI JPYMHW XS WXEVX HMIWIP
IRKMRIW [MXL TVIKPS[ W]WXIQW
 (S RSX YWI ZSPEXMPI WXEVXMRK EMHW

d 'EVV] SYX XLI TVIGEYXMSRW PMWXIH JSV WXEVXMRK EX XIQTIVEXYVIW FIPS[


JVII^MRK

 (VMZMRK QSHI


7MXYEXMSR EJXIV XLI IPIGXVMGEP W]WXIQ MW W[MXGLIH SR
i [LIR XLI TEVOMRK FVEOI MW IRKEKIH XLI XVEZIP PSGOSYX MW EGXMZI
i TVIWIPIGXMSR SJ XLI XVEZIP HMVIGXMSR MW RSX TSWWMFPI
i 8LI XVEZIP VERKI  --  MW EYXSQEXMGEPP] EGXMZEXIH
i 4VIWIPIGXMSR SJ XLI XVEZIP VERKIW MW TSWWMFPI

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

4VITEVEXMSRW JSV HVMZMRK QSHI


8LI TVITEVEXMSRW JSV HVMZMRK QSHI WLSYPH FI GEVVMIH SYX MR XLI JSPPS[MRK
WIUYIRGI
*MVWX QEOI WYVI XLEX XLI QEGLMRI MW MR MXW STIVEXMRK TSWMXMSR
7II q3TIVEXMRK TSWMXMSRr WIGXMSR 
'LIGOMRK XLI PMKLXMRK d 'LIGO XLI PMKLXMRK IUYMTQIRX
IUYMTQIRX
d -J VIUYMVIH EHNYWX XLI WIXXMRK SJ XLI LIEHPEQTW

,IEHPEQT EHNYWXQIRX

'LIGOMRK MRWMHI ERH SYXWMHI d 'PIER XLI MRWMHI ERH SYXWMHI QMVVSVW
QMVVSVW
d %HNYWX XLI MRWMHI ERH SYXWMHI QMVVSVW

-RWMHI ERH SYXWMHI QMVVSVW

1SZMRK XLI [SVOMRK EXXEGLQIRX =SY [MPP JMRH HIXEMPIH MRJSVQEXMSR SR XLMW MR XLI WIGXMSRW q0-)&,)66
MRXS TSWMXMSR GSRXVSP PIZIVr SV q;SVOMRK [MXL XLI EXXEGLQIRXr

&YGOIX TSWMXMSR

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

d (ITIRHMRK SR XLI WXEVXMRK TSWMXMSR XLI PMJX EVQ WLSYPH FI VEMWIH SV


PS[IVIH
d 1SZI XLI PSEHMRK FYGOIX XS XLI VIUYMVIH TSWMXMSR
6IPIEWMRK XLI TEVOMRK FVEOI ;LIR XLI TEVOMRK FVEOI MW IRKEKIH XLI XVEZIP PSGOSYX MW EGXMZI
4VIWIPIGXMSR SJ XLI XVEZIP HMVIGXMSR MW RSX TSWWMFPI

(MWPE] YRMX ERH PIZIV i TEVOMRK FVEOI


 PIZIV i TEVOMRK FVEOI  W]QFSP JMIPH i TEVOMRK FVEOI

d 6IPIEWI XLI TEVOMRK FVEOI F] TVIWWMRK XLI PIZIV HS[R  


7]QFSP JMIPH  JSV XLI TEVOMRK FVEOI KSIW SYX
4VIWIPIGXMSR SJ XVEZIP HMVIGXMSR ;LIR XLI IPIGXVMGEP W]WXIQ MW W[MXGLIH SR XLI XVEZIP HMVIGXMSR MW EYXSQEXM
GEPP] W[MXGLIH XS RIYXVEP
8LI XVEZIP HMVIGXMSR JSV[EVH SV VIZIVWI MW TVIWIPIGXIH F] TVIWWMRK XLI
VSGOIV W[MXGL MR XLI ETTVSTVMEXI HMVIGXMSR

6SGOIV W[MXGL ERH HMWTPE] YRMX


 VSGOIV W[MXGL JSV XVEZIP HMVIG  W]QFSP JMIPH i XVEZIP HMVIGXMSR
XMSR pVIZIVWIr
 W]QFSP JMIPH i XVEZIP HMVIGXMSR
pJSV[EVHWr

d 4VIWW VSGOIV W[MXGL  JSV XVEZIP HMVIGXMSR * ! *36;%6(


SV
4VIWW VSGOIV W[MXGL  JSV XVEZIP HMVIGXMSR 6 ! 6):)67)
(ITIRHMRK SR XLI W[MXGL TSWMXMSR XLI W]QFSP JMIPH JSV *SV[EVH XVEZIP  SV
JSV 6IZIVWI XVEZIP  PMKLXW YT

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

7IPIGXMSR SJ XVEZIP VERKIW %JXIV XLI IPIGXVMGEP W]WXIQ LEW FIIR XYVRIH SR XVEZIP VERKI  --  MW
EYXSQEXMGEPP] EGXMZEXIH -X MW RSX TSWWMFPI XS WIPIGX ERSXLIV XVEZIP VERKI
YRXMP XLI XVEZIP HMVIGXMSR LEW FIIR WIPIGXIH
8LI XVEZIP VERKIW EVI WIPIGXIH YWMRK XLI XVEZIP VERKI W[MXGL %PWS VIJIV XS
XLI WIGXMSR q7[MXGLIW SR XLI MRWXVYQIRX TERIPr
8LI WIPIGXIH XVEZIP VERKI MW WLS[R SR XLI MRWXVYQIRX TERIP MR XLI MRHMGEXSV
YRMX 7II EPWS XLI q-RHMGEXSV YRMXr WIGXMSR
7IPIGXMRK ERSXLIV XVEZIP VERKI MW TSWWMFPI EX ER] XVEZIP WTIIH -J XLI XVEZIP
WTIIH MW LMKL [LIR WLMJXMRK HS[R XLI QEGLMRI MW FVEOIH L]HVSWXEXMGEPP]
8LI JSPPS[MRK XVEZIP VERKIW GER FI WIPIGXIH
i 8VEZIP VERKI  -  JSV WPS[ XVEZIP IK SR WXIIT XIVVEMR 
i 8VEZIP VERKI  --  JSV RSVQEP [SVOMRK STIVEXMSR
8VEZIP WTIIHW 7II XLI q8IGLRMGEP HEXEr WIGXMSR

FYXXSR JSV WLMJXMRK XVEZIP VERKI


 XVEZIP VERKI FYXXSR  W]QFSP JMIPH i XVEZIP VERKI  -- 
 W]QFSP JMIPH i XVEZIP VERKI  - 

d .SK XLI FYXXSR  XS HVMZI VERKI  -  SV  --  HITIRHMRK SR LS[ XLI


QEGLMRI MW FIMRK IQTPS]IH
8LI WIPIGXIH HVMZI VERKI MW MRHMGEXIH [MXL XLI W]QFSP JMIPHW   MR XLI
HMWTPE] YRMX

1SZMRK SJJ
%JXIV XLI IPIGXVMGEP W]WXIQ LEW FIIR XYVRIH SR XVEZIP VERKI  --  MW
EYXSQEXMGEPP] EGXMZEXIH
1EOI WYVI XLEX XLI TVITEVEXMSRW JSV HVMZMRK QSHI LEZI FIIR MQTPIQIRXIH

+EW TIHEP
 FVEOI MRGLMRK TIHEP  W]QFSP JMIPH i XVEZIP HMVIGXMSR
 KEW TIHEP

d 4YWL HS[R XLI KEW TIHEP 


8LI QEGLMRI QSZIW SJJ
d %HNYWX XLI XVEZIP WTIIH [MXL XLI KEW TIHEP

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

(VMZMRK
=SY [MPP JMRH ETTVSTVMEXI HIWGVMTXMSRW SJ [SVO STIVEXMSRW HVMZMRK XVERWTSVX
ERH XVERWJIVVMRK FYPO QEXIVMEP MR XLI WIGXMSR q+IRIVEP [SVOMRK QIXLSHWr
7LSVXP] EJXIV QSZMRK SJJ [MXL XLI QEGLMRI QEOI WYVI XLEX XLI WXIIVMRK ERH
FVEOIW EVI JYRGXMSRMRK TVSTIVP]
6IJIV XS XLI WIGXMSR q1EMRXIRERGIr
6IZIVWI XVEZIP 8LI QEGLMRI GER FI VIZIVWIH MR EPP XVEZIP VERKIW ERH EX EPP WTIIHW
-J XLI HMVIGXMSR SJ QSZIQIRX MW VIZIVWIH EX E LMKL WTIIH XLI QEGLMRI MW
FVEOIH L]HVSWXEXMGEPP]
8LMW TVSHYGIW E WQSSXLIV VIZIVWMRK TIVJSVQERGI

6SGOIV W[MXGL ERH HMWTPE] YRMX


 VSGOIV W[MXGL JSV XVEZIP HMVIG  W]QFSP JMIPH i XVEZIP HMVIGXMSR
XMSR pVIZIVWIr
 W]QFSP JMIPH i XVEZIP HMVIGXMSR
pJSV[EVHWr

d 'LERKMRK XVEZIP HMVIGXMSR EGXYEXI VSGOIV W[MXGL  


(ITIRHMRK SR XLI W[MXGL TSWMXMSR XLI W]QFSP JMIPH JSV *SV[EVH XVEZIP  SV
JSV 6IZIVWI XVEZIP  PMKLXW YT

-2', FVEOITIHEP
6IZIVWMRK GER FI WYTTSVXIH F] VIHYGMRK XLI HMIWIP IRKMRI WTIIH SV F]
KIRXP] TVIWWMRK XLI -2', FVEOI TIHEP
d 7YTTSVX VIZIVWMRK MR XLMW [E] EW RIGIWWEV]
8LMW TVSHYGIW E WQSSXLIV VIZIVWMRK TIVJSVQERGI

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

(VMZMRK SR TYFPMG VSEHW


&IJSVI HVMZMRK SR TYFPMG VSEHW EGUYEMRX ]SYVWIPJ [MXL XLI VSYXI VSEHW
FVMHKIW XYRRIPW WYF[E]W REVVS[ TPEGIW IXG MR VIWTIGX SJ XLI TVIWGVMFIH
[IMKLX PMQMXW FVMHKI PSEH FIEVMRK PMQMXW [MHXL ERH LIMKLX PMQMXW
-R XLI GEWI SJ [LIIP PSEHIVW [MXL E HIWMKRPMQMXIH QE\MQYQ WTIIH SJ 
OQL [LMGL HS RSX LEZI E PMGIRGI TPEXI E GSQTER] REQI STIVEXMRK
FEWI WLSYPH FI HMWTPE]IH EW [IPP EW GIVXMJMGEXMSR SJ XLI STIVEXMSREP
PMEFMPMX] EWWYVERGI
8LI [LIIP PSEHIV QE] SRP] FI HVMZIR SR TYFPMG VSEHW [LIR YRPSEHIH
&IJSVI HVMZMRK SR TYFPMG VSEHW JMRH SYX
i JVSQ XLI ZILMGPI S[RIV [LIXLIV XLI VIUYMVIH GSRHMXMSRW JSV PMGIRWMRK
JSV TYFPMG VSEHW LEZI FIIR QIX
d q3TIVEXMRK TIVQMXr
d q7TIGMEP PMGIRGIr
i EFSYX XLI ETTVSTVMEXI WEJIX] VIKYPEXMSRW
i 6IJIV XS XLI WIGXMSRW
d q7EJIX] VIKYPEXMSRWr
d q7EJIX] MRWXVYGXMSRW JSV HVMZMRK SR WPSTIWr
d q-RWXVYGXMSRW JSV WEJI [SVOMRKr
1EOI WYVI XLEX XLI TVITEVEXMSRW JSV HVMZMRK QSHI LEZI FIIR MQTPIQIRXIH
4VITEVEXMSRW JSV HVMZMRK SR 1EOI WYVI XLEX XLI WEJIX] IUYMTQIRX PMWXIH FIPS[ MW SR FSEVH MR EGGSV
TYFPMG VSEHW HERGI [MXL XLI TVSZMWMSRW SJ XLI 78:>3 MI LMKL[E] GSHI 

i [EVRMRK XVMERKPI
i VSXEXMRK FIEGSR
i JMVWX EMH FS\
i [LIIP [IHKI W
-R EHHMXMSR QEOI WYVI XLEX XLI NSFW PMWXIH FIPS[ LEZI FIIR GEVVMIH SYX

d 6IQSZI GSEVWI HMVX JVSQ XLI QEGLMRI ERH GPIER XLI X]VI XVIEHW
7II EPWS XLI GLETXIV q1EMRXIRERGIr WIGXMSR q'PIERMRK XLI QEGLMRIr

;IX GPIERMRK

d 'PSWI EPP WIVZMGI LEXGLIW ERH LSSHW ERH [LIVI TSWWMFPI PSGO XLIQ

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

&YGOIX XIIXL KYEVH ERH TVSJMPI PEQTW

d %XXEGL XLI XIIXL KYEVH XS XLI FYGOIX


d %XXEGL XLI TVSJMPI PEQTW
d 4PYK MR XLI GEFPIW JSV XLI TVSJMPI PEQTW
(VMZMRK =SY [MPP JMRH ETTVSTVMEXI HIWGVMTXMSRW SJ [SVO STIVEXMSRW HVMZMRK XVERWTSVX
ERH XVERWJIVVMRK FYPO QEXIVMEP MR XLI WIGXMSR q+IRIVEP [SVOMRK QIXLSHWr

8VERWTSVX LIMKLX

1EOI WYVI XLEX


i XLI PSEHMRK FYGOIX MW MR XLI XVERWTSVX TSWMXMSR [LIR qHVMZMRKr
8LI XVERWTSVX TSWMXMSR QIERW XLI FYGOIX TMZSX TSMRX QYWX FI ETTVS\ 
GQ EFSZI XLI KVSYRH
i XLI PSEHMRK FYGOIX MW XMTTIH YT EW JEV EW MX [MPP KS
d %P[E]W HVMZI [MXL HYI GEVI
d 3FWIVZI XVEJJMG VIKYPEXMSRW

&VEOMRK
8LIVI EVI X[S [E]W MR [LMGL XLI QEGLMRI GER FI FVEOIH
i [MXL XLI L]HVSWXEXMG GMVGYMX SRP]
i [MXL XLI L]HVSWXEXMG GMVGYMX ERH XLI HVYQ FVEOI
,]HVSWXEXMG FVEOMRK 8LI QEGLMRI MW L]HVSWXEXMGEPP] FVEOIH F] VIHYGMRK XLI WTIIH SJ XLI HMIWIP
IRKMRI
8LI L]HVSWXEXMG XVEZIP HVMZI W]WXIQ SJ XLI QEGLMRI EPWS EGXW MR XLI HIPE]
TLEWI EW E WIVZMGI FVEOI

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

&6%/) MRGLMRK TIHEP ERH KEW TIHEP


 &6%/) MRGLMRK TIHEP  KEW TIHEP

d 6IHYGI XLI WTIIH SJ XLI HMIWIP IRKMRI [MXL XLI KEW TIHEP 
7IVZMGI FVEOI -J L]HVSWXEXMG FVEOMRK MW RSX WYJJMGMIRX XLI QEGLMRI QYWX EPWS FI FVEOIH
[MXL XLI &6%/) MRGLMRK TIHEP  
&VEOMRK [MXL XLI &6%/) (YVMRK FVEOMRK XLIVI EVI X[S EGXMZEXMSR VERKIW JSV EGXMZEXMRK XLI &6%/)
MRGLMRK TIHEP MRGLMRK TIHEP
i VERKI  -  JSV L]HVSWXEXMG FVEOMRK SRP]
i 6ERKI  &  JSV FVEOMRK [MXL XLI L]HVSWXEXMG GMVGYMX ERH HVYQ FVEOIW

&6%/) MRGLMRK TIHEP


 &6%/) MRGLMRK TIHEP & EGXYEXMSR VERKI i &
- EGXYEXMSR VERKI i -

;EVRMRK 6MWO SJ EGGMHIRXW [LIR XLI QEGLMRI MW FVEOIH [MXLSYX HYI GEVI
-J XLI QEGLMRI MW FVEOIH [MXLSYX HYI GEVI XLI HVMZIV GSYPH WYJJIV WIZIVI
MRNYVMIW MJ XLI WEJIX] FIPX MW RSX TVSTIVP] JEWXIRIH
 -X MW IWWIRXMEP XLEX ]SY JEWXIR ]SYV WEJIX] FIPX FIJSVI WXEVXMRK YT XLI
QEGLMRI

d &VEOMRK [MXL XLI L]HVSWXEXMG GMVGYMX SRP] EGXMZEXI FVEOI MRGLMRK TIHEP
 MR VERKI  -  SJ XLI TIHEP XVEZIP
SV
[MXL XLI L]HVSWXEXMG GMVGYMX ERH XLI HVYQ FVEOI EGXMZEXI FVEOI MRGLMRK
TIHEP  MR VERKI  &  SJ XLI TIHEP XVEZIP
8LI QEGLMRI [MPP FI FVEOIH UYMXI WXVSRKP]

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

8VSYFPIWLSSXMRK
0MXXPI SV RS FVEOMRK IJJIGX#
d 7LYX XLI QEGLMRI HS[R MQQIHMEXIP]
d 'SRWYPX 0-)&,)66 '97831)6 7)6:-')

&VEOMRK MR TSXIRXMEPP]
HERKIVSYW WMXYEXMSRW

(ERKIV 6MWO SJ EGGMHIRXW HYI XS MRETTVSTVMEXI FVEOMRK MR HERKIVSYW WMXYEXMSRW


 *SV JYPP FVEOMRK MR HERKIVSYW WMXYEXMSRW XLI FVEOI MRGLMRK TIHEP QYWX FI
TVIWWIH EPP XLI [E] HS[R

d 4VIWW HS[R FVEOI MRGLMRK TIHEP  MR VERKI  &  SJ XLI TIHEP XVEZIP XS
XLI PMQMX
8LI QEGLMRI FVEOIW LIEZMP]
%JXIV XLI QEGLMRI GSQIW XS VIWX -J ]SY PIEZI XLI WXEXMSREV] QEGLMRI [LMPI XLI IRKMRI MW WXMPP VYRRMRK XLI
JSPPS[MRK TVIGEYXMSRW WLSYPH FI XEOIR

)RKEKMRK XLI TEVOMRK FVEOI


;LIR XLI TEVOMRK FVEOI MW IRKEKIH XLI KIEVFS\ MW EYXSQEXMGEPP] W[MXGLIH
XS RIYXVEP
8LI TEVOMRK FVEOI QE] RSX FI IRKEKIH YRXMP XLI QEGLMRI MW EFWSPYXIP]
WXEXMSREV]

(MWTPE] YRMX ERH W[MXGL i TEVOMRK FVEOI


 PIZIV i TEVOMRK FVEOI  W]QFSP JMIPH i TEVOMRK FVEOI

d %GXMZEXI XLI TEVOMRK FVEOI [MXL XLI PIZIV 


8LI W]QFSP JMIPH  JSV XLI TEVOMRK FVEOI PMKLXW YT
8LI TEVOMRK FVEOI MW IRKEKIH ERH XLI XVEZIP HMVIGXMSR MW MR RIYXVEP

0SGOMRK [SVOMRK L]HVEYPMGW

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

;SVOMRK L]HVEYPMGW PSGO


 0IZIP i [SVOMRK L]HVEYPMGW PSGO

d 4YPP XLI PIZIV  YT[EVHW XS TVIZIRX YRJSVIWIIR EGXYEXMSR SJ XLI [SVOMRK


L]HVEYPMGW PSGO
8LI [SVOMRK L]HVEYPMGW EVI RS PSRKIV STIVEXMSREP

0SGOMRK YT XLI QEGLMRI


8LI JSPPS[MRK TVIGEYXMSRW WLSYPH FI IJJIGXIH [LIR XLI QEGLMRI MW XS FI
TEVOIH JSV E TVSPSRKIH TIVMSH SR E WPSTI

(ERKIV 6MWO SJ EGGMHIRXW HYI XS XLI YRJSVIWIIR VSPPMRK E[E] F] XLI QEGLMRI
 7IGYVI XLI QEGLMRI EKEMRWX VSPPMRK E[E]

d 8EOI XLI [IHKIW SYX SJ XLIMV LSPHIVW


d 7IGYVI XLI QEGLMRI EKEMRWX VSPPMRK E[E] [MXL XLI [IHKIW

3R HS[RLMPP WPSTIW

 7LYXXMRK HS[R XLI QEGLMRI


&IJSVI ]SY WLYX HS[R XLI IRKMRI ERH PIEZI XLI QEGLMRI XLI JSPPS[MRK
TVIGEYXMSRW WLSYPH FI XEOIR

0S[IV XLI [SVOMRK EXXEGLQIRX


1EOI WYVI XLEX XLI PSEHMRK FYGOIX MW IQTX]

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

&YGOIX EVQ QSZIQIRX

d 0S[IV XLI PMJX EVQ 1SZI GSRXVSP PIZIV MR HMVIGXMSR  F 


d 7IX HS[R XLI FYGOIX JPEX SR XLI KVSYRH 1SZI GSRXVSP PIZIV MR HMVIGXMSR
 H 

)RKEKMRK XLI TEVOMRK FVEOI


;LIR XLI TEVOMRK FVEOI MW IRKEKIH XLI WIPIGXIH XVEZIP HMVIGXMSR MW EW E
VIWYPX WLMJXIH XS RIYXVEP
8LI TEVOMRK FVEOI QE] RSX FI IRKEKIH YRXMP XLI QEGLMRI MW EFWSPYXIP]
WXEXMSREV]

(MWPE] YRMX ERH W[MXGL i TEVOMRK FVEOI


 PIZIV i TEVOMRK FVEOI  W]QFSP JMIPH i TEVOMRK FVEOI

d %GXMZEXI XLI TEVOMRK FVEOI [MXL XLI PIZIV 


8LI W]QFSP JMIPH  JSV XLI TEVOMRK FVEOI PMKLXW YT
8LI TEVOMRK FVEOI MW IRKEKIH ERH XLI XVEZIP HMVIGXMSR MW MR RIYXVEP

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

0SGOMRK [SVOMRK L]HVEYPMGW

;SVOMRK L]HVEYPMGW PSGO


 0IZIP i [SVOMRK L]HVEYPMGW PSGO

d 4YPP XLI PIZIV  YT[EVHW XS TVIZIRX YRJSVIWIIR EGXYEXMSR SJ XLI [SVOMRK


L]HVEYPMGW PSGO
8LI [SVOMRK L]HVEYPMGW EVI RS PSRKIV STIVEXMSREP

7LYXXMRK HS[R XLI IRKMRI


(S RSX EXXIQTX XS WYHHIRP] WLYX HS[R XLI IRKMRI [LIR MX MW VYRRMRK EX JYPP
PSEH WTIIH 8LMW MW IWTIGMEPP] MQTSVXERX [MXL XYVFS IRKMRIW
-J XLI IRKMRI MW WYHHIRP] W[MXGLIH SJJ XLI XYVFS GLEVKIV GSRXMRYIW VYRRMRK
JSV E XMQI [MXLSYX ER SMP WYTTP]
d 6IHYGI XLI IRKMRI WTIIH XS MHPI VYRRMRK WTIIH XEOI ]SYV JSSX SJJ XLI
KEW TIHEP
d 0IX XLI IRKMRI GSRXMRYI MHPMRK FVMIJP]  JSV ETTVS\  XS  WIGSRHW 
d 8YVR XLI WXEVXMRK OI] XS TSWMXMSR    ERH XEOI MX SYX
%PP W]QFSP JMIPHW KS SYX

7XEVXIV W[MXGL  TSWMXMSR

0SGOMRK YT XLI QEGLMRI


8LI JSPPS[MRK TVIGEYXMSRW WLSYPH FI IJJIGXIH [LIR XLI QEGLMRI MW XS FI
TEVOIH JSV E TVSPSRKIH TIVMSH SR E WPSTI

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

(ERKIV 6MWO SJ EGGMHIRXW HYI XS YRJSVIWIIR VSPPMRK F] XLI QEGLMRI


 7IGYVI XLI QEGLMRI EKEMRWX VSPPMRK

d 8EOI XLI [IHKIW SYX SJ XLIMV LSPHIVW


d 7IGYVI XLI QEGLMRI EKEMRWX VSPPMRK E[E] [MXL XLI [IHKIW

3R HS[RLMPP WPSTIW

4EVOMRK TSWMXMSR
8LI WXEVXMRK OI] GERRSX FI XEOIR SYX [LIR MR XLI TEVOMRK TSWMXMSR  4 
d 8YVR XLI WXEVXMRK OI] XS TSWMXMSR  4 
8LI GSRWYQIV YRMXW PMWXIH FIPS[ EVI VIEH] JSV STIVEXMSR
i TEVOMRK ERH HVMZMRK LIEHPMKLX
i MRXIVREP MPPYQMREXMSR
i LE^EVH [EVRMRK W]WXIQ
i WSGOIXGMKEVIXXI PMKLXIV
i [SVOMRK JPSSHPMKLXW
-J XLI] LEZI EPWS FIIR MRWXEPPIH XLI JSPPS[MRK MXIQW EVI EPWS VIEH]
7XEVXIV W[MXGL  TEVOMRK TSWMXMSR i VSXEXMRK FIEGSR
i VEHMS

(ERKIV 9RJSVIWIIR STIVEXMSR SJ XLI QEGLMRI F] ER YREYXLSVMWIH TIVWSR GER TPEGI


XLI QEMRXIRERGI TIVWSRRIP MR I\XVIQI HERKIV
 7IGYVI XLI QEGLMRI EKEMRWX YRJSVIWIIR STIVEXMSR F] YREYXLSVMWIH
TIVWSRW

d ;LIR ]SY PIEZI XLI QEGLMRI


8YVR XLI WXEVXMRK OI] XS TSWMXMSR    ERH XEOI MX SYX

 3TIVEXMRK XLI PMJX EVQ


8LI [SVOMRK QSZIQIRXW SJ XLI PMJX EVQ ERH XLI [SVOMRK EXXEGLQIRX FYGO
IX EVI GSRXVSPPIH F] XLI 0, GSRXVSP PIZIV
7II EPWS XLI q0-)&,)66 GSRXVSP PIZIVr WIGXMSR

0, GSRXVSP PIZIV

)REFPMRK EGXYEXMSR SJ XLI [SVOMRK L]HVEYPMGW


d -R XLI IZIRX XLEX XLI [SVOMRK L]HVEYPMGW PSGO MW EPVIEH] IRKEKIH
STIVEXI XLI [SVOMRK L]HVEYPMGW XS IREFPI XLIQ JSV JYVXLIV YWI

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

;SVOMRK L]HVEYPMGW PSGO

 0IZIP i [SVOMRK L]HVEYPMGW PSGO

d (IEGXMZEXI XLI [SVOMRK L]HVEYPMGW PSGO F] TYPPMRK PIZIV  HS[R


8LI [SVOMRK L]HVEYPMGW EVI RS[ VIEH] JSV STIVEXMSR
8LI [SVOMRK EXXEGLQIRX GER RS[ FI STIVEXIH

3TIVEXMRK XLI PMJX G]PMRHIV


8LI PMJX G]PMRHIVW VEMWI ERH PS[IV XLI PMJX EVQ

0, GSRXVSP PIZIV

6EMWMRK XLI PMJX EVQ

&YGOIX EVQ QSZIQIRX

d 1SZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR  E 


8LI PMJX EVQ MW VEMWIH

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

0S[IVMRK XLI PMJX EVQ 8LIVI EVI X[S [E]W XS PS[IV XLI PMJX EVQ
i WPS[P] [MXL qRSVQEP PS[IV JYRGXMSRr
i VETMHP] [MXL qUYMGO HVST JYRGXMSRr
d %GXYEXI XLI qRSVQEP HVST JYRGXMSRr XS HS XLMW QSZI XLI 0, GSRXVSP PIZIV
MR XLI HMVIGXMSR  F  EW JEV EW XLI EGXMSR TSMRX
8LI PMJX EVQ MW PS[IVIH WPS[P]

0, GSRXVSP PIZIV

4SXIRXMEPP] HERKIVSYW WMXYEXMSR

(ERKIV 6MWO SJ EGGMHIRXW HYI XS VETMH PS[IVMRK SJ XLI [SVOMRK EXXEGLQIRX


8LI VEMWIH [SVOMRK EXXEGLQIRX MW PS[IVIH VETMHP] [LIR XLI q5YMGOHVST
JYRGXMSRr MW EGXMZEXIH
4IVWSRW WXERHMRK YRHIV XLI VEMWIH [SVOMRK EXXEGLQIRX VMWO WIZIVI GVYWL
MRK MRNYVMIW
 6IQEMRMRK MR XLI HERKIV EVIE MW WXVMGXP] TVSLMFMXIH

d %GXYEXI XLI qUYMGOHVST JYRGXMSRr QSZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR


 F  XLVSYKL XLI EGXMSR TSMRX XS MXW PMQMX
8LI PMJX EVQ MW PS[IVIH VETMHP]

3TIVEXMRK XLI XMPX G]PMRHIV


8LI XMPX G]PMRHIV QEOIW MX TSWWMFPI XS XMPX XLI FYGOIX MR SV SYX

0, GSRXVSP PIZIV

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

8MPXMRK XLI FYGOIX MR

&YGOIX QSZIQIRX

d 1SZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR  G 


8LI FYGOIX MW XMPXIH MR
8MPXMRK XLI FYGOIX SYX d 1SZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR  H 
8LI FYGOIX MW XMPXIH SYX

7MQYPXERISYW STIVEXMSR SJ PMJX ERH XMPX G]PMRHIVW


8LI PMJX ERH XMPX G]PMRHIVW GER FI WMQYPXERISYWP] VIXVEGXIH SV I\XIRHIH F]
QSZMRK XLI 0, GSRXVSP PIZIV HMEKSREPP]

0, GSRXVSP PIZIV

6EMWMRK XLI PMJX EVQ ERH


WMQYPXERISYWP] XMPXMRK XLI
FYGOIX MR

;SVOMRK QSZIQIRXW

d 1SZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR  I 


8LI PMJX EVQ MW VEMWIH ERH XLI FYGOIX MW WMQYPXERISYWP] XMPXIH MR
6EMWMRK XLI PMJX EVQ ERH d 1SZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR  K 
WMQYPXERISYWP] XMPXMRK XLI
FYGOIX SYX
8LI PMJX EVQ MW VEMWIH ERH XLI FYGOIX MW WMQYPXERISYWP] XMPXIH SYX

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

0S[IVMRK XLI PMJX EVQ ERH


WMQYPXERISYWP] XMPXMRK XLI
FYGOIX MR

;SVOMRK QSZIQIRXW

d 1SZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR  L 


8LI PMJX EVQ MW PS[IVIH ERH XLI FYGOIX MW WMQYPXERISYWP] XMPXIH MR
0S[IVMRK XLI PMJX EVQ ERH d 1SZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR  J 
WMQYPXERISYWP] XMPXMRK XLI
FYGOIX SYX
8LI PMJX EVQ MW PS[IVIH ERH XLI FYGOIX MW WMQYPXERISYWP] XMPXIH SYX

%GXMZEXMRK XLI JPSEX TSWMXMSR

&YGOIX TSWMXMSR JSV JPSEX TSWMXMSR


-R XLI JPSEX TSWMXMSR XLI [SVOMRK EXXEGLQIRX MW OITX NYWX EFSZI XLI KVSYRH
F] MXW S[R [IMKLX ERH GER EHETX MXW TSWMXMSR XS YRIZIR WYVJEGIW
%GXMZEXMRK XLI JPSEX TSWMXMSR 8LI TVSGIHYVI JSV EGXMZEXMRK XLI JPSEX TSWMXMSR MW EW JSPPS[W
1EOI WYVI XLEX XLI PMJX EVQ MW PS[IVIH ERH XLEX XLI FYGOIX MW P]MRK JPEX SR
XLI KVSYRH

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

4SXIRXMEPP] HERKIVSYW WMXYEXMSR

(ERKIV 6MWO SJ EGGMHIRXW HYI XS VETMH PS[IVMRK SJ XLI [SVOMRK EXXEGLQIRX


8LI VEMWIH [SVOMRK EXXEGLQIRX MW PS[IVIH VETMHP] [LIR XLI JPSEX TSWMXMSR MW
EGXMZEXIH
4IVWSRW WXERHMRK YRHIV XLI VEMWIH [SVOMRK EXXEGLQIRX VMWO WIZIVI GVYWL
MRK MRNYVMIW
 6IQEMRMRK MR XLI HERKIV EVIE MW WXVMGXP] TVSLMFMXIH

d (S RSX EGXMZEXI XLI JPSEX TSWMXMSR JYRGXMSR [LIR XLI [SVOMRK EXXEGLQIRX
MW VEMWIH
d 0S[IV XLI PMJX EVQ ERH PE] XLI FYGOIX HS[R JPEX SR XLI KVSYRH

&YGOIX TSWMXMSR
d 1SZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR  F  XLVSYKL XLI EGXMSR TSMRX XS
XLI WXST ERH XLIR PIX MX KS
8LI 0, GSRXVSP PIZIV PSGOW MRXS XLMW TSWMXMSR
8LI JPSEX TSWMXMSR JYRGXMSR MW RS[ EGXMZI
0, GSRXVSP PIZIV

%GXYEXMRK XLI QERYEP FYGOIX VIXYVRXSHMK


*SV QEGLMRIW [MXL > OMRIQEXMGW ERH WXERHEVH FYGOIX
;SVOMRK [MXL XLI QERYEP FYGOIX 8LI HMWTPE]  JSV FYGOIX TSWMXMSR WLS[W XLI TEVEPPIP TSWMXMSR SJ XLI FSXXSQ
VIXYVRXSHMK SJ XLI FYGOIX

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

(MWTPE] JSV FYGOIX TSWMXMSR

d 9WMRK XLI XMPX G]PMRHIV XMPX XLI FYGOIX MR ERH SYX YRXMP XLI HMWTPE]
 QEXGLIW XLI QEVO  SR XLI XMPX G]PMRHIV
7II EPWS XLI q%GXYEXMRK XLI XMPX G]PMRHIVr WIGXMSR

%GXYEXMRK XLI EYXSQEXMG FYGOIX VIXYVRXSHMK STXMSR


;MXL PSEHMRK NSFW JSV [LMGL E GIVXEMR HMKKMRK TSWMXMSR MW VIUYMVIH EKEMR
ERH EKEMR XLI EYXSQEXMG FYGOIX VIXYVRXSHMK GER FI STIVEXIH
%GXMZEXMRK XLI EYXSQEXMG FYGOIX 8LI TVSGIHYVI JSV EGXMZEXMRK XLI EYXSQEXMG FYGOIX VIXYVRXSHMK MW EW JSP
VIXYVRXSHMK PS[W

7[MXGLIW SR XLI MRWXVYQIRX TERIP


 7[MXGL i FYGOIX VIXYVRXSHMK

d 4VIWW W[MXGL  JSV FYGOIX VIXYVRXSHMK


8LI EYXSQEXMG FYGOIX VIXYVRXSHMK JYRGXMSR MW RS[ EGXMZI
;SVOMRK [MXL XLI EYXSQEXMG 1EOI WYVI XLEX XLI EYXSQEXMG FYGOIX VIXYVRXSHMK JYRGXMSR MW EGXMZI
FYGOIX VIXYVRXSHMK

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

;SVOMRK QSZIQIRXW

d 6EMWI XLI PMJX EVQ QSZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR  E 


d 8MPX XLI PSEHMRK FYGOIX SYX MR XLI VEMWIH TSWMXMSR QSZI XLI 0, GSRXVSP
PIZIV MR HMVIGXMSR  H 

;SVOMRK QSZIQIRXW
d 8MPX MR XLI PSEHMRK FYGOIX MR XLI VEMWIH TSWMXMSR QSZI XLI 0, GSRXVSP
PIZIV MR HMVIGXMSR  G  XLVSYKL XLI EGXMSR TSMRX XS XLI WXST ERH XLIR PIX
MX KS
8LI 0, GSRXVSP PIZIV MW OITX MR XLMW TSWMXMSR F] QEKRIXMG JSVGI
8LI PSEHMRK FYGOIX MW XLYW QSZIH MRXS XLI TVIPMQMREV] TSWMXMSR JSV XLI
HMKKMRK TSWMXMSR
0, GSRXVSP PIZIV %W WSSR EW XLI PSEHMRK FYGOIX MW MR XLI TVIPMQMREV] TSWMXMSR XLI 0, GSRXVSP
PIZIV MW VIPIEWIH F] XLI WSPIRSMH
d 0S[IV XLI PMJX EVQ QSZI XLI 0, GSRXVSP PIZIV MR HMVIGXMSR  F 
8LI PSEHMRK FYGOIX MW XLYW QSZIH MRXS XLI HMKKMRK TSWMXMSR SR XLI KVSYRH

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

%HNYWXMRK XLI HMKKMRK TSWMXMSR 8LI TVS\MQMX] W[MXGL JSV XLI EYXSQEXMG FYGOIX VIXYVRXSHMK MW EHNYWXIH
I\[SVOW
-J RIGIWWEV] XLI TVS\MQMX] W[MXGL GER FI VIEHNYWXIH
8LMW MW XLI TVSGIHYVI JSV VIEHNYWXMRK XLI TVS\MQMX] W[MXGL

'SEVWI EHNYWXQIRX
1EOI WYVI XLEX XLI PMJX EVQ MW PS[IVIH ERH XLEX XLI PSEHMRK FYGOIX MW
IQTX]

(MKKMRK TSWMXMSR  GSEVWI

d 1SZI XLI PSEHMRK FYGOIX [MXL XLI 0, GSRXVSP PIZIV MRXS XLI VIUYMVIH
HMKKMRK TSWMXMSR

7IXXMRK YT  FYGOIX VIXYVRXSHMK


 TVS\MQMX] W[MXGL i EYXSQ  0)(
FYGOIX VIXYVRXSHMK  TSWMXMSRMRK GYVZI

d 6IPIEWI XLI JM\MRK RYXW SR XLI TVS\MQMX] W[MXGL 


,SVM^SRXEPP] EHNYWX XLI TVS\MQMX] W[MXGL  YRXMP XLI TSWMXMSRMRK GYVZI  GSZ
IVW YT XS LEPJ XLI GSRXEGX WYVJEGI SJ XLI TVS\MQMX] W[MXGL
;LIR XLI TSWMXMSRMRK GYVZI IRXIVW XLI GSRXEGX EVIE SJ XLI TVS\MQMX] W[MXGL
XLI JSYV 0)(W  SR XLI TVS\MQMX] W[MXGL PMKLX YT
d 6IXMKLXIR XLI JM\MRK RYXW SR XLI TVS\MQMX] W[MXGL 
8LI GSEVWI EHNYWXQIRX SJ XLI VIUYMVIH HMKKMRK TSWMXMSR MW RS[ GSQTPIXI
d 8IWXMRK XLI qGSEVWI EHNYWXQIRXr 7II XLI q;SVOMRK [MXL XLI EYXSQEXMG
FYGOIX VIXYVRXSHMKr WIGXMSR 
d -J VIUYMVIH GEVV] SYX XLI qJMRI EHNYWXQIRXr

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

*MRI EHNYWXQIRX
8LI VIUYMVIH JMRI EHNYWXQIRX MW SFXEMRIH EJXIV WIZIVEP EXXIQTXW
d 1SZI XLI PSEHMRK FYGOIX [MXL XLI 0, GSRXVSP PIZIV XS XLI TVIGMWI
HMKKMRK TSWMXMSR
d 6IEHNYWX XLI TVS\MQMX] W[MXGL 7II XLI q'SEVWI EHNYWXQIRXr WIGXMSR 
d 8IWXMRK XLI qGSEVWI EHNYWXQIRXr 7II XLI q;SVOMRK [MXL XLI EYXSQEXMG
FYGOIX VIXYVRXSHMKr WIGXMSR 

 %GXYEXMRK XLI L]HVEYPMG ERH QIGLERMGEP UYMGOGLERKI


HIZMGI
8LI L]HVEYPMG UYMGOGLERKI HIZMGI MW WYTTPMIH EW E WIVMIW WXERHEVH [MXL
XLI QEGLMRI ZIVWMSR [MXL >FEV PMJX EVQW
-R QEGLMRIW [MXL 4PMJX EVQW XLI QIGLERMGEP UYMGOGLERKI HIZMGI MW E
WIVMIW WXERHEVH ERH XLI L]HVEYPMG UYMGOGLERKI HIZMGI MW ER STXMSR

UYMGOGLERKI HIZMGI
 UYMGOGLERKI HIZMGI JSV >PMJX  5YMGOGLERKI HIZMGI JSV 4PMJX
EVQ EVQ

-RJSVQEXMSR SR EXXEGLQIRX ERH EGGIWWSVMIW


i %XXEGLQIRXW ERH EGGIWWSVMIW TVSHYGIH F] SXLIV QERYJEGXYVIVW SV
XLSWI [LMGL LEZI RSX FIIR KIRIVEPP] ETTVSZIH F] 0-)&,)66 JSV
MRWXEPPEXMSR SV JSV I\XIVREP JMXXMRK QE] RSX FI MRWXEPPIH SV JMXXIH SR
XLI QEGLMRI [MXLSYX XLI TVIZMSYW [VMXXIR EKVIIQIRX SJ 0-)&,)66
i 8LI ETTVSTVMEXI XIGLRMGEP HSGYQIRXEXMSR WLSYPH FI QEHI EZEMP
EFPI XS 0-)&,)66 JSV XLMW TYVTSWI

3TIVEXMRK XLI L]HVEYPMG UYMGOGLERKI HIZMGI


8LI L]HVEYPMG UYMGOGLERKI HIZMGI MW EGXMZEXIH SV HIEGXMZEXIH F] QERYEPP]
EGXYEXMRK XLI GLERKISZIV ZEPZI  YWMRK XLI GLERKISZIV PIZIV  

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

 GLERKISZIV ZEPZI  >FEV PMJX EVQ


 GLERKISZIV PIZIV  4PMJX EVQW

8LI TVSGIHYVI JSV EGXMZEXMRK XLI L]HVEYPMG UYMGOGLERKI HIZMGI MW EW


JSPPS[W
1EOI WYVI XLEX
i XLI PMJX EVQ MW PS[IVIH XS NYWX EFSZI XLI KVSYRH
i [LIVI E [SVOMRK EXXEGLQIRX [MXL ER MRHITIRHIRX L]HVEYPMG WYTTP] MW
QSYRXIH QEOI WYVI XLEX ER] G]PMRHIVW ZEPZIW ERH WS SR EVI MR XLI
MRMXMEP TSWMXMSR SV GPSWIH
i [LIVI E [SVOMRK EXXEGLQIRX MW QSYRXIH QEOI WYVI XLEX XLMW MW XMPXIH MR

(ERKIV 6MWO SJ EGGMHIRXW HYI XS XLI [SVOMRK EXXEGLQIRX HVSTTMRK


 (S RSX EGXYEXI FYXXSR [LIR [SVOMRK EXXEGLQIRX MW VEMWIH

d 8YVR XLI GLERKISZIV PIZIV  MR XLI HMVIGXMSR SJ XLI EVVS[


8LI JYRGXMSR JSV YRPSGOMRK XLI L]HVEYPMG UYMGOGLERKI HIZMGI MW XLIVIF]
QEHI VIEH]

9RPSGOMRK XLI L]HVEYPMG UYMGOGLERKI HIZMGI


8LI TVSGIHYVI JSV YRPSGOMRK XLI L]HVEYPMG UYMGOGLERKI HIZMGI MW EW
JSPPS[W
1EOI WYVI XLEX XLI GLERKISZIV PIZIV i L]HVEYPMG UYMGOGLERKI HIZMGI MW
TSMRXMRK MR XLI XLXVSYKL JPS[ HMVIGXMSR 

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

d 1SZI XLI EGXYEXMSR PIZIV  JSV STXMSREP [SVOMRK JYRGXMSRW MR HMVIGXMSR 


F  XS XLI PMQMX
SV

;LIR YRPSGOMRK XLI L]HVEYPMG UYMGOGLERKI HIZMGI YWMRK XLI IPIGXVMGEP


EGXYEXMSR STXMSR  XYVR SR XLI W[MXGL  SR XLI MRWXVYQIRX TERIP ERH
TVIWW XLI TYWL FYXXSR  SR XLI 0, GSRXVSP PIZIV JSV EHHMXMSREP [SVO
JYRGXMSRW
8LI PSGOMRK TMRW  JSV XLI L]HVEYPMG UYMGOGLERKI HIZMGI EVI VIXVEGXIH

9RPSGOMRK XLI QIGLERMGEP UYMGOGLERKI HIZMGI


8LI TVSGIHYVI JSV YRPSGOMRK XLI QIGLERMGEP UYMGOGLERKI HIZMGI MW EW
JSPPS[W
1EOI WYVI XLEX XLI PIZIV  MW MR XLI JSVOWLETIH TMIGI   8LI PIZIV MW
WXSVIH XS XLI PIJX SJ XLI HVMZIV W WIEX

d &IJSVI YRPSGOMRK TYPP SYX XLI PSGOMRK TMRW  


d 4VIWW XLI PIZIV  MR XLI HMVIGXMSR SJ XLI EVVS[
8LI PSGOMRK TMRW  JSV XLI QIGLERMGEP UYMGOGLERKI HIZMGI EVI VIXVEGXIH

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

(IGSYTPMRK XLI [SVOMRK EXXEGLQIRX


8LI TVSGIHYVI JSV YRPSGOMRK XLI L]HVEYPMG UYMGOGLERKI HIZMGI MW EW
JSPPS[W
1EOI WYVI [LIR E [SVOMRK EXXEGLQIRX MW QSYRXIH [MXL ER MRHITIRHIRX
L]HVEYPMG WYTTP] XLEX XLI GSYTPMRK XS XLI L]HVEYPMG PMRIW MW VIPIEWIH

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS MRGSVVIGXP] WIX HS[R [SVOMRK EXXEGLQIRX


 8LI [SVOMRK EXXEGLQIRX QE] MR RS IZIRX FI WIX HS[R MR YRWIGYVIH
EVIEW VSEH[E]W IXG 

d 7IX HS[R XLI [SVOMRK EXXEGLQIRX HS[R JPEX SR JMVQ IZIR KVSYRH
;LIVI XLI [SVOMRK EXXEGLQIRX LEW ER MRHITIRHIRX L]HVEYPMG WYTTP] WIX
HS[R XLI [SVOMRK EXXEGLQIRX MR WYGL E [E] XLEX XLI L]HVEYPMG PMRIW EVI
RSX WYFNIGXIH XS ER] WXVEMR
d 7IGYVI XLI [SVOMRK EXXEGLQIRX EKEMRWX XMTTMRK SZIV
d 'EVIJYPP] VIQSZI XLI UYMGOGLERKI HIZMGI JVSQ XLI EHETXIVLSPHIV EX
XLI XST SJ XLI [SVOMRK EXXEGLQIRX
8LI [SVOMRK EXXEGLQIRX MW RS[ HIGSYTPIH

(MWGSRRIGXMRK XLI L]HVEYPMG PMRIW JSV L]HVEYPMGEPP]


STIVEXIH [SVOMRK EXXEGLQIRXW
;LIVI XLI [SVOMRK EXXEGLQIRX LEW MXW S[R L]HVEYPMG GMVGYMX XLI L]HVEYPMG
WYTTP] PMRIW QYWX FI HMWGSRRIGXIH
8LI TVSGIHYVI JSV HMWGSRRIGXMRK XLI L]HVEYPMG PMRIW MW EW JSPPS[W

;EVRMRK 6MWO SJ EGGMHIRXW JVSQ L]HVEYPMG PMRIW YRHIV TVIWWYVI


 (ITVIWWYVMWI XLI L]HVEYPMG GMVGYMXW FIJSVI GSRRIGXMRK SV HMWGSRRIGXMRK
L]HVEYPMG PMRIWGSYTPMRKW

d 7LYX HS[R XLI HMIWIP IRKMRI


d %GXYEXI EPP WIVZS HIZMGIW GSRXVSP PIZIVW MR FSXL HMVIGXMSRW
d 6IPIEWI XLI L]HVEYPMG PMRIWUYMGO EGXMSR GSYTPMRKW JVSQ XLI QEGLMRI
d 1EOI WYVI XLEX RS L]HVEYPMG SMP PIEOW SRXS XLI KVSYRH
'SRXEQMREXIH WSMP QYWX FI VIQSZIH JSV TVSTIV HMWTSWEP EW XLI L]HVEYPMG
SMP GER TSPPYXI XLI KVSYRH [EXIV
d 'PSWI XLI LSWI PMRI GSYTPMRKW [MXL TVSXIGXMZI GSZIVW
d 0E] XLI L]HVEYPMG LSWIW MR XLI LSWI VIXEMRIVW

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

%XXEGLMRK ERH GSYTPMRK XLI [SVOMRK EXXEGLQIRX


8LMW MW XLI TVSGIHYVI JSV EXXEGLMRK ERH GSYTPMRK XLI [SVOMRK EXXEGLQIRX
1EOI WYVI XLEX XLI L]HVEYPMG UYMGOGLERKI HIZMGI MW GSQTPIXIP] YRPSGOIH
d 'EVIJYPP] QSZI XLI UYMGOGLERKI HIZMGI MRXS XLI EHETXIVLSPHIV EX XLI
XST SJ XLI [SVOMRK EXXEGLQIRX

d 7PMKLXP] VEMWI XLI [SVOMRK EXXEGLQIRX ERH XMPX MX MR


-R XLI TVSGIWW XLI [SVOMRK EXXEGLQIRX QYWX GSQTPIXIP] IRKEKI [MXL XLI
UYMGOGLERKI HIZMGI

0SGOMRK XLI L]HVEYPMG UYMGOGLERKI HIZMGI


8LI TVSGIHYVI JSV PSGOMRK XLI L]HVEYPMG UYMGOGLERKI HIZMGI MW EW JSPPS[W
1EOI WYVI XLEX
i XLI [SVOMRK EXXEGLQIRX MW GSQTPIXIP] IRKEKIH MR XLI UYMGOGLERKI
HIZMGI WS XLEX XLI [SVOMRK EXXEGLQIRX GER FI PSGOIH MR TPEGI [MXL XLI
PSGOMRK TMRW

(ERKIV 6MWO SJ EGGMHIRXW HYI XS XLI [SVOMRK EXXEGLQIRX HVSTTMRK


 'LIGO [LIXLIV XLI [SVOMRK EXXEGLQIRX MW JYPP] IRKEKIH [MXL XLI UYMGO
GLERKI HIZMGI

d 1SZI XLI EGXYEXMSR PIZIV  JSV STXMSREP [SVOMRK JYRGXMSRW MR HMVIGXMSR 


E  XS XLI PMQMX
SV

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

;LIR PSGOMRK XLI L]HVEYPMG UYMGOGLERKI HIZMGI YWMRK IPIGXVMGEP EG


XYEXMSR STXMSR  XYVR SR XLI W[MXGL  SR XLI MRWXVYQIRX TERIP ERH TVIWW
XLI TYWL FYXXSR  SR XLI 0, GSRXVSP PIZIV JSV EHHMXMSREP [SVO JYRGXMSRW
8LI PSGOMRK TMRW  JSV XLI L]HVEYPMG UYMGOGLERKI HIZMGI QSZI SYX

d 8YVR XLI GLERKISZIV PIZIV  MR XLI HMVIGXMSR SJ XLI EVVS[


8LI [SVOMRK EXXEGLQIRX MW RS[ GSYTPIH

0SGOMRK XLI QIGLERMGEP UYMGOGLERKI HIZMGI


8LI TVSGIHYVI JSV PSGOMRK XLI QIGLERMGEP UYMGOGLERKI HIZMGI MW EW
JSPPS[W
1EOI WYVI XLEX
i XLI [SVOMRK EXXEGLQIRX MW GSQTPIXIP] IRKEKIH MR XLI UYMGOGLERKI
HIZMGI WS XLEX XLI [SVOMRK EXXEGLQIRX GER FI PSGOIH MR TPEGI [MXL XLI
PSGOMRK TMRW

i XLI PIZIV  MW MR XLI JSVOWLETIH TMIGI   8LI PIZIV MW WXSVIH XS XLI PIJX
SJ XLI HVMZIV W WIEX

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

d 4VIWW XLI PIZIV  MR XLI HMVIGXMSR SJ XLI EVVS[


8LI PSGOMRK TMRW  JSV XLI QIGLERMGEP UYMGOGLERKI HIZMGI EVI VIXVEGXIH
d %JXIV YRPSGOMRK TYWL MR XLI PSGOMRK TMRW  

'LIGO EJXIV PSGOMRK TVSGIHYVI


8S GLIGO XLI PSGOMRK TVSGIHYVI TVSGIIH EW JSPPS[W
1EOI WYVI XLEX XLI UYMGOGLERKI HIZMGI LEW FIIR QSZIH XS E WYMXEFPI
TSWMXMSR JSV MRWTIGXMSR

(ERKIV 6MWO SJ EGGMHIRXW HYI XS XLI [SVOMRK EXXEGLQIRX HVSTTMRK


 (S RSX QSZI XLI [SVOMRK EXXEGLQIRX YRXMP ]SY LEZI GLIGOIH XLI PSGO
 'LIGO [LIXLIV XLI [SVOMRK EXXEGLQIRX MW WIGYVIP] PSGOIH XS XLI UYMGO
GLERKI HIZMGI

d 6EMWI XLI PMJX EVQW YRXMP XLI L]HVEYPMG UYMGOGLERKI HIZMGI MW ZMWMFPI
JVSQ XLI HVMZIV W GEF
d 1EOI E ZMWYEP GLIGO XS IRWYVI XLEX XLI PSGOMRK TMRW LEZI EGXYEPP]
IRKEKIH MR XLI [SVOMRK EXXEGLQIRX
=SY GER WII XLEX XLI TMRW EVI TVSTIVP] PSGOIH F] XLI HIKVII XS [LMGL
XLI] TVSNIGX JVSQ XLI WMHI
d (S RSX GEVV] SYX ER] SXLIV QSZIQIRXW [MXL XLI [SVOMRK EXXEGLQIRX
YRXMP XLI GLIGO MW GSQTPIXI
d *SV STIVEXMRK E [SVOMRK EXXEGLQIRX [MXL ER MRHITIRHIRX GSRXVSP GMVGYMX
WII XLI HIWGVMTXMSR MR XLI WIGXMSRW q'SRXVSP PIZIV JSV EHHMXMSREP [SVOMRK
JYRGXMSRW STXMSREP r ERH q;SVOMRK [MXL STXMSREP EXXEGLQIRXWr

'SRRIGXMRK XLI L]HVEYPMG PMRIW JSV L]HVEYPMGEPP] EGXYEXIH


[SVOMRK EXXEGLQIRXW
;LIVI XLI [SVOMRK EXXEGLQIRX LEW ER MRHITIRHIRX L]HVEYPMG GMVGYMX XLI
L]HVEYPMG WYTTP] PMRIW QYWX FI GSRRIGXIH
d 6IQSZI XLI TVSXIGXMZI GETW JVSQ XLI L]HVEYPMG PMRI GSYTPMRKW
d 'SRRIGX XLI L]HVEYPMG PMRIW TVSTIVP]
8LI JSPPS[MRK TSMRXW WLSYPH FI SFWIVZIH [MXL XLI GSRRIGXMSRW
i GPIER XLI PMRI GSYTPMRKW FIJSVI GSRRIGXMRK
i HS RSX GVSWW SZIV XLI L]HVEYPMG PMRIW
i PE] XLI L]HVEYPMG PMRIW WS XLEX XLIVI MW RS VMWO SJ XLIQ FIMRK TMRGLIH F]
XLI STIVEXMSR SJ XLI [SVOMRK EXXEGLQIRX
i QEOI YWI SJ ER] LSWI VIXEMRMRK GPMTW [LIR PE]MRK XLI LSWI

d 'LIGO XLI L]HVEYPMG PMRIW JSV ER] PIEOEKI EJXIV GSRRIGXMRK

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

 ;SVOMRK [MXL STXMSREP IUYMTQIRX


3TIVEXMRK ERH [SVOMRK [MXL ZEVMSYW MXIQW SJ STXMSREP IUYMTQIRX MW HI
WGVMFIH MR XLMW WIGXMSR
3TXMSREP IUYMTQIRX

i STIVEXMRK XLI MR FYGOIX


i STIVEXMRK XLI JSVOPMJX

3TIVEXMRK MR FYGOIX

MR FYGOIX
 FEGO SJ XLI FYGOIX  XIIXL
 L]HVEYPMG G]PMRHIV  L]HVEYPMG PIEH GSRRIGXMSRW
 FYGOIX GSZIV  UYMGOGLERKI HIZMGI GSYTPMRK

3TIRMRKGPSWMRK XLI FYGOIX 8LI TVSGIHYVI JSV STIRMRKGPSWMRK XLI FYGOIX GSZIV MW EW JSPPS[W
GSZIV

3TIRMRKGPSWMRK XLI FYGOIX GSZIV

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS JEPPMRK QEXIVMEP


'EVV] SYX E JYRGXMSR GLIGO JSV XLI GSVVIGX STRIMRK ERH GPSWMRK SJ XLI
FYGOIX GSZIV
 %GXYEXI XLI IQTX] FYGOIX SRGI XS GLIGO MJ XLI L]HVEYPMGW EVI GSVVIGXP]
GSRRIGXIH

d XS STIR XLI FYGOIX GSZIV QSZI XLI GSRXVSP PIZIV  JSV EHHMXMSREP [SVO
MRK JYRGXMSRW MR HMVIGXMSR F
d XS GPSWI XLI FYGOIX GSZIV QSZI XLI GSRXVSP PIZIV  JSV EHHMXMSREP
[SVOMRK JYRGXMSRW MR HMVIGXMSR E

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

(MJJIVIRX YWIW SJ XLI MR 8LI MR FYGOIX QE] SRP] FI YWIH JSV XLI WXMTYPEXIH JYRGXMSRW JSV FYPO
FYGOIX KSSHW [MXL E QE\MQYQ SJ  XQ 
d JSV GPIEVMRK I\GEZEXMRK ERH PSEHMRK FYPO] QEXIVMEP
d JSV EPP X]TIW SJ HMKKMRK [SVO
d JSV KVMTTMRK E[O[EVH SFNIGXW
d JSV TMPMRK YT [LLIR STIR
d JSV PIZIPPMRK
d EW E WGSST
d JSV KVIWXIV HYQTMRK LIMKLXW
8LI QERYJEGXYVIV HSIW RSX XEOI ER] VIWTSRWMFMPMX] JSV HEQEKI GEYWIH F]
MRGSVVIGX YWEKI WYGL EW JSV I\EQTPI FVIEOMRK SJJ VSGOW LEQQIVMRK MR
TSWXW SV EXXEGLMRK PSEH WYWTIRWMSR [IMKLXW 

*SVOPMJX STIVEXMSR
*SV JSVOPMJX STIVEXMSR [MXL 4OMRIQEXMGW PMJX EVQ
i XLMW SRP] ETTPMIW JSV QEGLMRIW [MXL EXXEGLIH 4 PMJX EVQ
8LI TEVEPPIP OMRIQEXMGW IREFPIW TEVEPPIP KYMHERGI SJ XLI PSEH SZIV XLI
IRXMVI PMJXMRK VERKI HYVMRK PMJXMRK SV PS[IVMRK
*SV JSVOPMJX STIVEXMSR [MXL PMJX EVQW [MXL >FEV OMRIQEXMGW
i MR XLI GEWI SJ XLI PMJX EVQ [MXL >FEV OMRIQEXMGW RS TEVEPPIP QSZIQIRX
MW TSWWMFPI
8LMW QIERW XLEX XLI EXXEGLQIRX XMPXW MR HYVMRK XLI PMJX QSZIQIRX YT XS 
SJ XLI QE\ PMJX LIMKLX ERH [MXL JYVXLIV YT[EVH PMJX QSZIQIRX MX XMPXW SYX
EKEMR FYX MX HSIW RSX XMPX HS[R JSV[EVHW
i HYI XS XLI PIWW JEZSYVEFPI PIZIV VEXMS SJ XLI >FEV OMRIQEXMGW MR XLI
XSTQSWX PMJXMRK VERKI VIWXVMGXMSRW MR PSEH FIEVMRK GETEGMX] QE] VIWYPX
7II EPWS q0SEH FIEVMRK XEFPIW JSV JSVOPMJX STIVEXMSRr WIGXMSR 
8LI TVSGIHYVI JSV JSVOPMJX STIVEXMSR MW EW JSPPS[W
1EOI WYVI XLEX XLI [SVOMRK EXXEGLQIRX MW WIGYVIP] PSGOIH XS XLI
UYMGOGLERKI HIZMGI
7II XLI HIWGVMTXMSR MR XLI WIGXMSRW q3TIVEXMSR SJ XLI L]HVEYPMG UYMGO
GLERKI HIZMGIr q'LIGO EJXIV PSGOMRK TVSGIHYVIr

(MWXERGI JVSQ GIRXVI SJ KVEZMX]


7 'IRXVI SJ KVEZMX] 7E (MWXERGI JVSQ GIRXVI SJ KVEZMX]

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

'EYXMSR 6MWO SJ HEQEKI XS PSEH ERH QEGLMRI


;LIR YWMRK JSVOPMJXW SRP] YWI JSVOW [MXL TVSRKW SJ WYMXEFPI PIRKXL ERH
QEOI WYVI XLEX XLIWI HS RSX TVSNIGX FI]SRH XLI PSEH 3XLIV[MWI KSSHW SV
TEPPIXW P]MRK MR JVSRX SJ XLI JSVOW GSYPH FI HEQEKIH
 1EOI WYVI XLEX JSVOPMJXW EVI STIVEXIH GSVVIGXP]

d ;LIR ]SY PMJX XLI PSEH QEOI WYVI XLEX XLI PSEH MW VIWXMRK EW GPSWI EW
TSWWMFPI XS XLI ZIVXMGEP PMQF SJ XLI JSVO TVSRK
4MGO YT XLI PSEH QEOI WYVI XLEX XLI GIRXVI SJ KVEZMX] 7E SJ XLI PSEH MW
GSVVIGXP] TSWMXMSRIH

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS XLI QEGLMRI XMTTMRK SZIV


 1EOI WYVI XLEX JSVOPMJXW EVI STIVEXIH GSVVIGXP]

d 6EMWI XLI PMJX EVQ XS XLI XVERWTSVX TSWMXMSR ETTVS\ i GQ EFSZI
XLI KVSYRH 
d ;LIR XLI JSVOPMJX MW IQTX] XMPX MX MR WPMKLXP] ERH OIIT MX PS[
d ;LIR GEVV]MRK E PSEH XMT XLI JSVOPMJX YT WPMKLXP] ERH OIIT XLI PSEH PS[
d ;LIR SR WPSTIW SV MRGPMRIW EP[E]W OIIT XLI PSEH EX XLI YTLMPP IRH
d 2IZIV XVEZIVWI WPSTIW SV MRGPMRIW
d 2IZIV XYVR SR WPSTIW SV MRGPMRIW
d ;LIR E LMKL YRPSEHMRK TSWMXMSR MW YREZSMHEFPI
HS RSX VEMWI XLI PMJX EVQW YRXMP ]SY LEZI VIEGLIH XLI YRPSEHMRK TSMRX
d ;LIR E PS[ YRPSEHMRK TSWMXMSR MW VIUYMVIH
HS RSX PS[IV XLI PMJX EVQ YRXMP ]SY LEZI VIEGLIH XLI YRPSEHMRK TSMRX

 +IRIVEP [SVOMRK QIXLSHW


-R XLMW WIGXMSR XLI VSYXMRI [SVOMRK QIXLSHW EVI HIWGVMFIH

4MGOMRK YT ERH XVERWJIVVMRK FYPO QEXIVMEPW


8LI JSPPS[MRK TVSGIHYVI MW VIGSQQIRHIH XS EZSMH ER] TSWWMFPI PSWW SJ
XVEGXMSR

d (S RSX [SVO [MXL E WXVSRK HS[R[EVHW TVIWWYVI SR XLI FYGOIX


d -J ]SY HS LEZI XS TVSQSXI XLI JPS[ SJ XLI FYPO QEXIVMEP MRXS XLI FYGOIX
KIRXP] XMPX MX MR ERH SYX
;LIR XLI FVEOI -2',-2+ 4)(%0 MW EGXMZEXIH XLI EHZERGI JSVGI XVEGXMZI
JSVGI MW VIHYGIH XLYW QEOMRK PSEHMRK IEWMIV

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

4S[IV HMWXVMFYXMSR F] -2',-2+


 FVEOI -2',-2+ 4)(%0 & VERKI  &6%/-2+
- VERKI  -2',-2+

d -R EHHMXMSR TYWL HS[R XLI FVEOI -2',-2+ 4)(%0  MR VERKI  -  SJ


XLI TIHEP XVEZIP [MXL XLI VIUYMVIH JSVGI
8LI IRKMRI TS[IV MW EHNYWXIH
 XLI TS[IV KSMRK XS XLI XVEZIP L]HVEYPMGW MW VIHYGIH
 XLI TS[IV KSMRK XS XLI [SVOMRK EXXEGLQIRX MW MRGVIEWIH

8LI EHZERXEKIW SJ TS[IV EHNYWXQIRX


i XLI [LIIPW HS RSX WTMR YRRIGIWWEVMP]
i JYIP GSRWYQTXMSR MW VIHYGIH

d 8LI PSEHIH FYGOIX MW XMPXIH MR XS MXW PMQMX ERH XLI PMJX EVQ MW VEMWIH

8VERWTSVXMRK ERH XVERWJIVVMRK FYPO QEXIVMEPW


8LI FYGOIX WLSYPH FI QSZIH MRXS XLI XVERWTSVX TSWMXMSR XS MQTVSZI XLI
QEGLMRItW WXEFMPMX] ERH XS IRWYVI KSSH ZMI[MRK GSRHMXMSRW [LIR XVERWTSVX
MRK ERH XVERWJIVVMRK FYPO QEXIVMEPW
8LI XVERWTSVX TSWMXMSR QIERW XLEX XLI FYGOIX TMZSX TSMRX MW ETTVS\  GQ
EFSZI XLI KVSYRH
8VERWTSVX TSWMXMSR

(ERKIV SJ XLI QEGLMRI XMTTMRK SZIV

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS XLI QEGLMRI XMTTMRK SZIV


8LIVI MW E VMWO XLEX XLI QEGLMRI QMKLX XMT SZIV [LIR XLI PMJX EVQ MW VEMWIH
HYI XS E WLMJX MR XLI GIRXVI SJ KVEZMX]
 3FWIVZI XLI QE\ TIVQMWWMFPI FYPO QEXIVMEP [IMKLX ERH XLI WTIGMJMIH
XMTTMRK PSEHW

d 1SZI XLI PSEHIH FYGOIX MRXS XLI XVERWTSVX TSWMXMSR


8VERWTSVXMRK E PSEH SR E WPSTI

8VEZIP HMVIGXMSRW [LIR XVERWTSVXMRK PSEHW

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS XLI QEGLMRI XMTTMRK SZIV


 ;LIR XVERWTSVXMRK E PSEH SR E WXIIT WPSTI OIIT XLI PSEHIH FYGOIX PS[

d ;LIR XVERWTSVXMRK YTLMPP HVMZI JSV[EVHW


d ;LIR XVERWTSVXMRK HS[RLMPP HVMZI MR VIZIVWI
(VMZMRK SR WPSTIW -X MW IWWIRXMEP XLEX XLI WEJIX] MRWXVYGXMSRW EVI SFWIVZIH [LIR HVMZMRK SR
WPSTMRK KVSYRH
6IJIV XS XLI WIGXMSR q7EJIX] MRWXVYGXMSRW JSV HVMZMRK SR WPSTIWr

7PSTIW

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS XLI QEGLMRI XMTTMRK SZIV


8LI PSEH EX [LMGL XLI QEGLMRI GER XMT SZIV MW VIHYGIH [LIR HVMZMRK SR
WPSTMRK KVSYRH
 %P[E]W OIIT XLI PSEHIH FYGOIX PS[ HYVMRK XVERWTSVX
 (S RSX WYHHIRP] GLERKI HMVIGXMSR SV FVEOI EFVYTXP]

d 7IPIGX XLI PS[IWX TSWWMFPI XVEZIP VERKI


d )EWI SJJ XLI KEW TIHEP
d (VMZI HS[RLMPP GEVIJYPP]

+VEHMRK [SVO
/IIT XLI FYGOIX FEWI LSVM^SRXEP [LIR KVEHMRK

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

+VEHMRK 8LI JSPPS[MRK TVSGIHYVI MW VIGSQQIRHIH XS EZSMH ER] TSWWMFPI PSWW SJ


XVEGXMSR

+VEHMRK TVSGIHYVI

d (S RSX [SVO [MXL E WXVSRK HS[R[EVHW TVIWWYVI SR XLI FYGOIX


SV
9WI XLI JYRGXMSR i JPSEX TSWMXMSR 6IJIV XS XLI WIGXMSRW q3TIVEXMRK XLI
PMJX EVQr q%GXMZEXMRK XLI JPSEX TSWMXMSRr

-QTIVQMWWMFPI FYGOIX TSWMXMSRW

'EYXMSR 6MWO SJ HEQEKI XS XLI QEGLMRI


8LI QEGLMRI QE] FI HEQEKIH HYVMRK KVEHMRK [SVO MJ XLI FYGOIX LMXW E
LEVH SFNIGX [LIR MX MW XMPXIH SYX [LMPI XLI QEGLMRI MW QSZMRK qJSV[EVHr
 (S RSX KVEHI MR XVEZIP HMVIGXMSR qJSV[EVHr [LIR XLI FYGOIX MW XMPXIH SYX

d 4SWMXMSR XLI FYGOIX FEWI TEVEPPIP XS XLI KVSYRH


SV
+IRXP] WIX XLI FYGOIX FEWI HS[R
&YPPHS^MRK

d 8MPX XLI FYGOIX HS[R[EVHW ERH VIZIVWI XLI QEGLMRI

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

0SEHMRK JVSQ E XMT


4MGOMRK YT FYPO QEXIVMEP

&YGOIX TSWMXMSR

'EYXMSR 6MWO SJ HEQEKI XS XLI QEGLMRI


8LI PMJX EVQ QE] FI HEQEKIH MJ [LIR GPIEVMRK E[E] FYPO QEXIVMEP MR XVEZIP
HMVIGXMSR q*SV[EVHr [MXL E XMPXIH SYX FYGOIX ]SY HVMZI MRXS E LEVH SFWXEGPI
EX WTIIH
 ;LIR GPIEVMRK E[E] FYPO QEXIVMEP HS RSX HVMZI MRXS XLI TMPI [MXL XLI
FYGOIX XMPXIH SYX

d 7IX HS[R XLI PSEHMRK FYGOIX LSVM^SRXEPP] SR XLI KVSYRH


d (VMZI XLI FYGOIX MRXS XLI QEXIVMEP WPMKLXP] XMTTMRK YT XLI FYGOIX MR XLI
TVSGIWW
d -J ]SY HS LEZI XS TVSQSXI XLI JPS[ SJ XLI FYPO QEXIVMEP MRXS XLI FYGOIX
KIRXP] XMPX MX MR ERH SYX [LMPI HVMZMRK XLI FYGOIX MRXS XLI QEXIVMEP
d -R EHHMXMSR TVIWW HS[R XLI FVEOI -2',-2+ 4)(%0 WII XLI q4MGOMRK
YT ERH XVERWJIVVMRK FYPO QEXIVMEPWr WIGXMSR 

&YGOIX TSWMXMSR

d 8LI PSEHIH FYGOIX MW XMPXIH MR XS MXW PMQMX ERH XLI PMJX EVQ MW VEMWIH
&YPO QEXIVMEP XVERWTSVX /IIT XLI PSEHIH FYGOIX PS[ HYVMRK XVERWTSVX MR SVHIV XS MQTVSZI XLI
QEGLMRItW WXEFMPMX] ERH XS IRWYVI KSSH ZMI[MRK GSRHMXMSRW

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

&YGOIX TSWMXMSR
1EOI WYVI XLEX XLI FYGOIX MW MR XLI XVERWTSVX TSWMXMSR
8LI XVERWTSVX TSWMXMSR QIERW XLEX XLI FYGOIX TMZSX TSMRX MW ETTVS\  GQ
EFSZI XLI KVSYRH
d 1SZI XLI FYGOIX MRXS XLI XVERWTSVX TSWMXMSR

(ERKIV SJ XLI QEGLMRI XMTTMRK SZIV

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS XLI QEGLMRI XMTTMRK SZIV


8LIVI MW E VMWO XLEX XLI QEGLMRI QMKLX XMT SZIV [LIR XLI PMJX EVQ MW VEMWIH
HYI XS E WLMJX MR XLI GIRXVI SJ KVEZMX]
 (S RSX WYHHIRP] GLERKI HMVIGXMSR SV FVEOI EFVYTXP] [LIR XLI FYGOIX MW
VEMWIH

d (S RSX VEMWI XLI PMJX EVQ YRXMP NYWX FIJSVI VIEGLMRK XLI YRPSEHMRK TSMRX
(YQTMRK

(YQTMRK

d 8MPX XLI FYGOIX SYX


d 0SSWIR QEXIVMEP EHLIVMRK XS XLI FYGOIX UYMGOP] XMPX XLI FYGOIX MR ERH
SYX FVMIJP] NSPXMRK EKEMRWX XLI FYGOIX EVQ WXSTW MR XLI TVSGIWW

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

0SEHMRK JVSQ WPSTIW SV FEROW


1EXIVMEP VIQSZEP JVSQ E WPSTI 6IQSZI RSVQEP PSEHMRK QEXIVMEP WYGL EW WERH SV KVEZIP EW JSPPS[W

&YPO QEXIVMEP VIQSZEP 

d 7XEVX VIQSZMRK XLI QEXIVMEP EX XLI JSSX SJ XLI WPSTI [SVOMRK ]SYV [E]
YT[EVHW
1EXIVMEP VIQSZEP JVSQ E FERO 6IQSZI EX]TMGEP LEVH QEXIVMEPW WYGL EW VSGO EW JSPPS[W

&YPO QEXIVMEP VIQSZEP 

d +IRXP] XMPX XLI FYGOIX FEWI YT[EVHW


d 7XEVX VIQSZMRK QEXIVMEP EX XLI XST ERH [SVO ]SYV [E] HS[R[EVHW

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS JEPPMRK QEXIVMEP


 (S RSX [SVO YRHIV SZIVLERKW

d 6IQSZI SZIVLERKW JMVWX ERH PSSO SYX JSV EJXIVWPMTTEKI

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

0SEHMRK FYPO XVERWTSVX ZILMGPIW


0SEHMRK TEXLW

=QSZIQIRXW
8LI ZILMGPI XS FI PSEHIH WLSYPH FI TEVOIH WS XLEX XLI XVERWTSVX HMWXERGI
JSV XLI QEGLMRI EVI EW WLSVX EW TSWWMFPI
-J TSWWMFPI QEOI E q=QSZIQIRXr %PWS VIJIV XS XLI WIGXMSR q(VMZMRK
QSHIr YRHIV q6IZIVWMRKr
0SEHMRK TVSGIHYVI -R SVHIV XS WTIIH YT XLI PSEHMRK TVSGIHYVI XLI QEGLMRI WLSYPH FI FVEOIH
MR JVSRX SJ XLI XVYGO [MXL XLI FVEOI -2',-2+ 4)(%0

9RPSEHMRK TSWMXMSR

8LMW ]MIPHW XLI JSPPS[MRK FIRIJMXW


 VIWTSRWMZI EHNYWXQIRX SJ XLI WTIIH
 STXMQYQ TIVJSVQERGI EHETXEXMSR JSV XLI [SVOMRK EXXEGLQIRX
7II EPWS XLI q4MGOMRK YT ERH XVERWJIVVMRK FYPO QEXIVMEPWr WIGXMSR 
d %HSTX XLI YRPSEHMRK TSWMXMSR HS RSX VEMWI XLI PMJX EVQ YRXMP NYWX FIJSVI
VIEGLMRK XLI YRPSEHMRK TSMRX

&VEOI MRGLMRK TIHEP


 FVEOI -2',-2+ 4)(%0 - VERKI  -2',-2+

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

& VERKI  &6%/-2+

d &VEOI XLI QEGLMRI TYWL HS[R XLI FVEOI -2',-2+ 4)(%0  MR VERKI
 -  SJ XLI TIHEP XVEZIP [MXL XLI VIUYMVIH JSVGI

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS JEPPMRK QEXIVMEP


 8LI QEGLMRI HVMZIV QE] SRP] W[MRK XLI [SVOMRK EXXEGLQIRXW SZIV
SGGYTMIH HVMZIV STIVEXMRK ERH [SVOMRK WXEXMSRW SJ SXLIV ZILMGPIW [LIR
XLIWI EVI TVSXIGXIH F] VIMRJSVGIH VSSJW *347 
 -J XLI HVMZIVtW GEF MW RSX IUYMTTIH XS TVSZMHI XLI RIGIWWEV] HIKVII SJ
TVSXIGXMSR XLIR XLI HVMZIV SJ XLI ZILMGPI MR UYIWXMSR QYWX PIEZI LMW GEF
HYVMRK SZIVLIEH STIVEXMSRW

d 0SEH XLI XVYGO WS XLEX XLI FYPO QEXIVMEP MW HYQTIH MR XLI QMHHPI SJ XLI
WOMT
d ;MXL PSRKIV ZILMGPIW PSEH JVSQ XLI JVSRX FEGO[EVHW
0SEHMRK PEVKI VSGOW 1EOI WYVI XLEX XLI WOMT JPSSV SJ XLI XVERWTSVX ZILMGPI MW FYJJIVIH EKEMRWX
XLI MQTEGX SJ PEVKI VSGOW

&YGOIX PSEHMRK

d *MVWX TPEGI E PSEH SJ WQEPPIV TMIGIW SJ VSGO MR XLI ZILMGPI


d 4VSGIIH XS PSEH XLI XVERWTSVXEXMSR ZILMGPI
0SEHMRK GSQTEGXIH QEXIVMEP ;MXL PSEHMRK NSFW JSV [LMGL E GIVXEMR HMKKMRK TSWMXMSR MW VIUYMVIH EKEMR
ERH EKEMR XLI EYXSQEXMG FYGOIX VIXYVRXSHMK GER FI STIVEXIH
6IJIV XS XLI WIGXMSRW q3TIVEXMRK XLI PMJX EVQr q%GXMZEXMRK XLI EYXSQEXMG
FYGOIX VIXYVRXSHMKr

(YQTMRK

d 8MPX XLI FYGOIX SYX

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

'EYXMSR 6MWO SJ HEQEKI XS XLI QEGLMRI


9RRIGIWWEV] NSPXMRK EKEMRWX XLI FYGOIXEVQWXSTW [LIR XMPXMRK MR ERH SYX
GER PIEH XS EGGIPIVEXIH [IEV XS XLI FSPXW ERH FYWLIW SR XLI OMRIQEXMGW
 %ZSMH YRRIGIWWEV] MQTEGXW EKEMRWX XLI WXSTW

d 0SSWIR QEXIVMEP EHLIVMRK XS XLI FYGOIX UYMGOP] XMPX XLI FYGOIX MR ERH
SYX FVMIJP] NSPXMRK EKEMRWX XLI FYGOIX EVQ WXSTW MR XLI TVSGIWW
1SZMRK XLI QEGLMRI FEGO

&YGOIX TSWMXMSR

'EYXMSR 6MWO SJ HEQEKI XS XLI QEGLMRI


9RRIGIWWEV] NSPXMRK EKEMRWX XLI FYGOIXEVQWXSTW [LIR XMPXMRK MR ERH SYX
GER PIEH XS EGGIPIVEXIH [IEV XS XLI FSPXW ERH FYWLIW SR XLI OMRIQEXMGW
 %ZSMH YRRIGIWWEV] MQTEGXW EKEMRWX XLI WXSTW

d 8MPX XLI FYGOIX MR

0MJX EVQ TSWMXMSR

d ;LIR QSZMRK FEGO[EVHW PS[IV XLI PMJX EVQ

)\GEZEXMSR
)\GEZEXMRK WSJX QEXIVMEP )\GEZEXI WSJX QEXIVMEP EW JSPPS[W

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

-RWIVXMSR ERKPI

d 0S[IV XLI PSEHMRK FYGOIX SRXS XLI KVSYRH


d 7IX E WQEPP MRWIVXMSR ERKPI  ; [MXLMR E QE\ SJ ”

4IRIXVEXMSR HITXL

d ;LIR ETTVSEGLMRK [MXL XLI QEGLMRI WMQYPXERISYWP] TVIWW XLI PMJX EVQ
HS[R YRXMP E WYJJMGMIRX TIRIXVEXMSR HITXL i' LEW FIIR VIEGLIH
d 8LI JSPPS[MRK TVSGIHYVI MW VIGSQQIRHIH XS EZSMH ER] TSWWMFPI PSWW SJ
XVEGXMSR (S RSX [SVO [MXL E WXVSRK HS[R[EVHW TVIWWYVI SR XLI FYGOIX

0MJX EVQ QSZIQIRX

d 1EOI LSVM^SRXEP GYXW [LMPI HVMZMRK JSV[EVHW


d 8LI [SVO MW QEHI IEWMIV F] VEMWMRK SV PS[IVMRK XLI PMJX EVQ EW ETTVS
TVMEXI
)\GEZEXMRK LEVH QEXIVMEP ;LIR I\GEZEXMRK LEVH QEXIVMEP E FYGOIX [MXL XIIXL WLSYPH FI YWIH

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

;SVOMRK EXXEGLQIRX

d %HHMXMSREP TVSGIHYVI 7II XLI q)\GEZEXMRK WSJX QEXIVMEPr WIGXMSR 


)\EQTPI SJ JSYRHEXMSR )\GEZEXI JSYRHEXMSRW EW JSPPS[W
I\GEZEXMSR

0SRKMXYHMREP GYXW

d 'YX ER MRMXMEP XVIRGL [MXL XLI FYGOIX EPSRK XLI SYXIV IHKI SJ XLI
I\GEZEXMSR
d ;LIR XLI JMVWX GYX MW HS[R XS E HITXL SJ ETTVS\  QIXVI
WXEVX E WIGSRH XVIRGL EPSRK XLI STTSWMXI WMHI
d ;SVO XLI EVIE FIX[IIR HS[R XS XLI WEQI HITXL EW XLI WMHI XVIRGLIW

,IETMRK QEXIVMEP

d 4MPI YT XLI FYPO QEXIVMEP MR E GSVRIV PIEZMRK XLI JSYRHEXMSR FEROW


I\TSWIH

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

'SVRIVW SJ XLI JSYRHEXMSRW

d ;LIR XLI JSYRHEXMSRW LEZI FIIR I\GEZEXIH XS XLI VIUYMVIH HITXL


HMK SYX XLI GSVRIVW ERH XVERWTSVX XLI QEXIVMEP SYX SJ XLI I\GEZEXMSR
(VMZMRK SYX SJ XLI I\GEZEXMSR % VEQT QYWX FI QEHI WS XLEX XLI QEGLMRI GER HVMZI SYX SJ XLI I\GEZEXIH
EVIE

)\MX VEQT

d 8S QEOI ER I\MX JSV XLI QEGLMRI HMK SYX XLI GIRXVI SJ XLI VEQT

(MVIGXMSR SJ XVERWTSVXEXMSR

d /IIT XLI PSEHIH FYGOIX PS[ HYVMRK XVERWTSVX


d (VMZI SYX SJ XLI I\GEZEXIH EVIE JSV[EVHW

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

 8VERWTSVXMRK XLI QEGLMRI

7PMRKMRK XLI QEGLMRI JVSQ E GVERI


-X MW IWWIRXMEP [LIR XLI QEGLMRI MW FIMRK WPYRK JVSQ E GVERI XLEX XLI
EGGMHIRX TVIZIRXMSR VIKYPEXMSRW EVI SFWIVZIH
6IJIV XS XLI WIGXMSR q7EJIX] VIKYPEXMSRWr [LIR WPMRKMRK XLI QEGLMRI JVSQ E
GVERI
8LI JSPPS[MRK TVIGEYXMSRW WLSYPH FI XEOIR FIJSVI WPMRKMRK XLI QEGLMRI
JVSQ E GVERI
4VIGEYXMSRW
i PS[IV XLI [SVOMRK EXXEGLQIRX ERH XMPX FEGO XLI PSEHMRK IUYMTQIRX XS MXW
PMQMX
i IRKEKI EVXMGYPEXMSR PSGO
i QSZI EPP GSRXVSP PIZIVW XS RIYXVEP
i IRKEKI XLI TEVOMRK FVEOI
i PSGO XLI [SVOMRK L]HVEYPMGW
i WLYX HS[R XLI IRKMRI
i GPSWI ERH PSGO EPP HSSVW ERH LSSHW SR XLI QEGLMRI
*SV QSVI HIXEMPIH HIWGVMTXMSRW WII XLI q3TIVEXMSR LERHPMRKr WIGXMSR 
3FXEMR MRJSVQEXMSR EFSYX
i [IMKLX ERH GSPPMWMSR QEWWIW SJ XLI QEGLMRI WII XLI q8IGLRMGEP
HEXEr WIGXMSR
i XLI VIUYMVIH PSEH FIEVMRK GETEGMX] ERH PIRKXLW SJ XLI PMJXMRK XEGOPI
0SEHMRK JSV VSEH VEMP SV WIE )\IGYXMSR [LIR RIGIWWEV] WPMRK XLI QEGLMRI JVSQ E GVERI
XVERWTSVX
6IUYMVIH IUYMTQIRX
i PMJXMRK XEGOPI  VSTI PIRKXL  1MR PIRKXL !  Q
PSEHMRK HIZMGI  EZEMPEFPI EW ER STXMSR SVHIV 2S 

PSEHMRK WOIXGL
 PMJXMRK XEGOPI i WXVERH VSTI % WPMRKMRK ERH PMJXMRK TSMRX VMKLX % WPMRKMRK ERH PMJXMRK TSMRX PIJX
 PSEHMRK HIZMGI LERH JVSRX LERH JVSRX
% WPMRKMRK ERH PMJXMRK TSMRX VIEV

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

(ERKIV 6MWO SJ EGGMHIRXW HYI XS WYWTIRHIHJEPPMRK PSEH


 7XERHMRK YRHIV XLI QEGLMRI [LIR MX MW WYWTIRHIH MW WXVMGXP] TVSLMFMXIH

d *M\EXXEGL XLI PMJXMRK XEGOPI XS XLI WPMRKMRK ERH PMJXMRK TSMRXW % %
% TVSZMHIH SR XLI QEGLMRI
d 6EMWI ERH PSEH XLI QEGLMRI [MXL HYI GEVI

8VERWTSVXMRK XLI QEGLMRI F] VSEH SV VEMP


&IJSVI HVMZMRK SRXS XLI PSEHMRK 8LI JSPPS[MRK TVIGEYXMSRW WLSYPH FI YRHIVXEOIR FIJSVI HVMZMRK SRXS XLI
FIH PSEHMRK FIH

0SEHMRK XLI QEGLMRI SRXS XLI XVERWTSVXIV

4VIGEYXMSRW
i LEZI [LIIP [IHKIW VIEH]
i LEZI WYMXEFPI XIRWMSRMRK VSTIW SV GLEMRW VIEH] XS PEWL XLI QEGLMRI
HS[R

6EQT MRGPMREXMSR
% VEQT WLSYPH FI TVSZMHIH JSV HVMZMRK XLI XLI QEGLMRI SRXS XLI PSEHMRK
FIH
8LI MRGPMREXMSR SJ XLI VEQT  ;  QE] FI RS QSVI XLER ”
%R] WRS[ MGI SV QYH SR XLI X]VIW WLSYPH FI GPIERIH SJJ FIJSVI XLI
QEGLMRI MW HVMZIR YT XLI VEQT

;IX GPIERMRK

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

(VMZMRK SRXS XLI PSEHMRK FIH *SV QSVI HIXEMPIH HIWGVMTXMSRW WII XLI q3TIVEXMSR LERHPMRKr WIGXMSR 
;LIR HVMZMRK SRXS XLI PSEHMRK FIH KIX E WIGSRH TIVWSR XS KMZI ]SY
WMKREPW
1EOI WYVI XLEX WSQISRI MW TSWXIH [LS GER KMZI XLI QEGLMRI HVMZIV XLI
VIUYMVIH WMKREPW
4IVWSRW KMZMRK HMVIGXMSRW QYWX EP[E]W XEOI YT E TSWMXMSR XS SRI WMHI
SJ XLI QEGLMRI

;LIR HVMZMRK SRXS XLI XVERWTSVXIV FIH TVSGIIH EW JSPPS[W

 WXEVXIV W[MXGL  W[MXGL JSV XVEZIP HMVIGXMSR

d 7XEVX YT XLI IRKMRI


7MXYEXMSR SRGI XLI IRKMRI MW WXEVXIH
i XVEZIP VERKI  --  MW EYXSQEXMGEPP] EGXMZEXIH
i [LIR XLI TEVOMRK FVEOI MW IRKEKIH XLI XVEZIP PSGOSYX MW EGXMZI
i TVIWIPIGXMSR SJ XLI XVEZIP HMVIGXMSR MW RSX TSWWMFPI
i XVEZIP VERKI  --  MW EYXSQEXMGEPP] EGXMZEXI
i TVIWIPIGXMSR SJ XLI XVEZIP VERKIW MW TSWWMFPI
%PWS VIJIV XS XLI WIGXMSRW q7XEVXMRK XLI HMIWIP IRKMRIr ERH q(VMZMRK QSHIr
d 6IPIEWI XLI TEVOMRK FVEOI
d 7IPIGX XLI XVEZIP HMVIGXMSR

;EVRMRK 6MWO SJ EGGMHIRXW MJ QEGLMRI MW HVMZIR [MXLSYX HYI GEVI


-J XLI QEGLMRI MW HVMZIR [MXLSYX HYI GEVI XLI PSEHMRK TIVWSRRIP XLI
TIVWSR KMZMRK HMVIGXMSRW ERH XLI HVMZIV LMQWIPJ QE] FI IRHERKIVIH
 %P[E]W HVMZI [MXL HYI GEVI [LIR PSEHMRK XLI QEGLMRI

'EYXMSR 6MWO SJ EGGMHIRXW MJ QEGLMRI MW RSX HVMZIR [MXL HYI GEVI


-J XLI QEGLMRI MW RSX HVMZIR [MXL HYI GEVI XLI XVERWTSVXIV ERH XLI QEGLMRI
FIMRK PSEHIH GSYPH FI HEQEKIH
 %P[E]W HVMZI [MXL HYI GEVI [LIR PSEHMRK XLI QEGLMRI

d 3RP] IZIV HVMZI SRXS XLI VEQT MR E PS[ XVEZIP VERKI

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

1SZMRK SJJ TVSGIHYVI


 FYXXSR JSV WLMJXMRK XVEZIP VERKI  KEW TIHEP

d 7IPIGX E PS[ XVEZIP VERKI EGXYEXI XLI FYXXSR 


d 4YWL HS[R XLI KEW TIHEP  GEVIJYPP]
d 'EVIJYPP] WIX XLI QEGLMRI MR QSXMSR
%JXIV HVMZMRK SRXS XLI PSEHMRK *SV QSVI HIXEMPIH HIWGVMTXMSRW WII XLI q3TIVEXMSR LERHPMRKr WIGXMSR 
FIH 1EOI WYVI XLEX XLI EMV WXVIEQ GERRSX TIRIXVEXI XLI I\LEYWX TMTI STIRMRK
8LMW MW TEVXMGYPEVP] MQTSVXERX [MXL VEMP XVERWTSVX EW XLI HMVIGXMSR SJ XVEZIP
GERRSX FI JSVIWIIR

&6%/) MRGLMRK TIHEP i KEW TIHEP

d 7XST XLI QEGLMRI

4EVOMRK FVEOI

d )RKEKI XLI TEVOMRK FVEOI

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
,ERHPMRK

d )RKEKI XLI EVXMGYPEXMSR PSGO


d 0S[IV XLI PMJX EVQ ERH WIX XLI PSEHMRK FYGOIX HS[R JPEX SR XLI XVERW
TSVXIV FIH

;SVOMRK L]HVEYPMGW PSGO

d 0SGO XLI [SVOMRK L]HVEYPMGW


d 7LYX HS[R XLI IRKMRI

d 'PSWI ERH PSGO EPP HSSVW ERH LSSHW SR XLI QEGLMRI

0EWLMRK TSMRXW

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
,ERHPMRK

d 7IGYVI XLI QEGLMRI EKEMRWX WPMHMRK YWI [LIIP [IHKIW ERH XIRWMSRMRK
VSTIW SV GLEMRW JSV XLMW TYVTSWI
d 7IGYVIP] EXXEGL XLI XIRWMSRMRK VSTIW SV GLEMRW XS XLI MRHMGEXIH PEWLMRK
TSMRXW SR XLI QEGLMRI

)\LEYWX TMTI GSZIV


-J XLI QEGLMRI MW JEGMRK XS[EVHW XLI HMVIGXMSR SJ QSXMSR HYVMRK XVERWTSVX
XLIR XLI EMV WXVIEQ GER TIRIXVEXI XLI I\LEYWX STIRMRK
8LI JSPPS[MRK TVIGEYXMSR WLSYPH FI XEOIR XS TVIZIRX HEQEKI XS XLI XYVFS
HYVMRK XVERWTSVX

'EYXMSR 6MWO SJ HEQEKI XS XLI XYVFS GLEVKIV JVSQ JSVIMKR FSHMIW


4IRIXVEXMSR SJ XLI EMV WXVIEQ TVSHYGIH HYVMRK XVERWTSVX MRXS XLI I\LEYWX
TMTI STIRMRK HVMZIW XLI HMIWIP IRKMRI XYVFS
8LI XYVFSGLEVKIV MW RSX PYFVMGEXIH [LIR XLI IRKMRI MW RSX VYRRMRK
;MXLSYX PYFVMGEXMSR XLI XYVFSGLEVKIV [MPP FI HEQEKIH
 4VIZIRX XLI EMV WXVIEQ TVSHYGIH HYVMRK XVERWTSVX IRXIVMRK XLI I\LEYWX

d 8S FPSGO SJJ XLI I\LEYWX TMTI STIRMRK GPMQF SRXS XLI QEGLMRI ZME XLI
GEF EGGIWW SRP] ERH QEOI WYVI XLEX ]SY LEZI E WIGYVI JSSXMRK
d [MXL [MRHTVSSJ QEXIVMEP WIGYVIP] FPSGO SJJ XLI I\LEYWX TMTI STIRMRK WS
XLEX MX GERRSX WPMT

&PSGOMRK SJJ XLI I\LEYWX TMTI


STIRMRK

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
)QIVKIRG] STIVEXMSR

 )QIVKIRG] STIVEXMSR


-R XLMW WIGXMSR XLI ZEVMSYW IQIVKIRG] STIVEXMSR QSHIW SJ XLI QEGLMRI EVI
HIWGVMFIH
)QIVKIRG] STIVEXMSR QSHIW
i XS[MRK XLI QEGLMRI
i TVSGIHYVI JSV NYQT WXEVXMRK

 8S[MRK XLI QEGLMRI


-X QE] FI RIGIWWEV] MJ XLI QEGLMRI MW HEQEKIH XS XS[ MX E[E] JVSQ ER
I\TSWIH TSWMXMSR
8LI JSPPS[MRK XS[MRK MRWXVYGXMSRW SRP] ETTP] JSV I\GITXMSREP WMXYEXMSRW MR
SVHIV XS QSZI E QEGLMRI MRGETEFPI SJ MRHITIRHIRX QSZIQIRX XS E TPEGI
[LIVI MX GER FI VITEMVIH SV TYX SR E XVERWTSVXIV
8S[MRK WTIIH ERH XS[MRK HMWXERGI
i QE\ XS[MRK WTIIH  OQL
i SRP] WLSVX HMWXERGIW EVI TIVQMXXIH MR SVHIV XS QSZI XLI QEGLMRI E[E]
JVSQ E HERKIV EVIE
8LI QEGLMRI QYWX EP[E]W FI TYX SR E XVERWTSVXIV JSV PSRKIV HMWXERGIW

7EJIX] [LIR XS[MRK


8S[MRK XLI QEGLMRI MW TVSFPIQEXMG ERH MW EP[E]W YRHIVXEOIR YRHIV XLI
WSPI VIWTSRWMFMPMX] SJ XLI STIVEXSV
-R RS IZIRX GER HEQEKI SV EGGMHIRXW VIWYPXMRK JVSQ XS[MRK FI GSZIVIH F]
XLI QERYJEGXYVIVtW KYEVERXII
7II EPWS XLI q8S[MRK XLI QEGLMRI WEJIP]r WIGXMSR 

(ERKIV 6MWO SJ EGGMHIRXW XLVSYKL MRGSVVIGX XS[MRK


;LIR E QEGLMRI MRGETEFPI SJ MRHITIRHIRX QSZIQIRX MW RSX TVSTIVP]
XS[IH XLI VIWYPX GSYPH FI WIZIVI SV IZIR JEXEP MRNYVMIW
 %P[E]W WIGYVI XLI QEGLMRI EKEMRWX VSPPMRK E[E] FIJSVI VIPIEWMRK XLI
FVEOIW JSV XS[MRK

d 3FWIVZI EPP TVIWGVMFIH WEJIX] VIKYPEXMSRW ERH XLI JSPPS[MRK VIGSQQIR


HEXMSRW [LIR XS[MRK

8S[MRK [LIR XLI HMIWIP IRKMRI MW VYRRMRK


;LIR XLI QEGLMRI MW YRHIV XS[ XLI XVEZIP HVMZI W]WXIQ QYWX FI W[MXGLIH
XS SZIVVYR HVMZI
8LI FVEOMRK IJJIGX SJ XLI FVEOIW MW MQTEMVIH F] W[MXGLMRK SZIV XS
SZIVVYR HVMZI
i 8LI L]HVSWXEXMG FVEOMRK IJJIGX MW RSX EZEMPEFPI
i 8LI QEGLMRI GER SRP] FI FVEOIH ZME XLI QEMR FVEOMRK G]PMRHIV YWMRK
XLI FVEOI TIHEP
8LI JSPPS[MRK TVIGEYXMSRW WLSYPH FI XEOIR FIJSVI XS[MRK XLI QEGLMRI
4VIGEYXMSRW
i EHSTX XLI XVERWTSVX TSWMXMSR
i QEOI EPP HVMZI JYRGXMSRW MRSTIVEXMSREP
i VIPIEWI XLI TEVOMRK FVEOI

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
)QIVKIRG] STIVEXMSR

8VERWTSVX TSWMXMSR HYVMRK XS[MRK

d %HSTX XLI XVERWTSVX TSWMXMSR VEMWI XLI PMJX EVQ


d -J MX MW TSWWMFPI XS L]HVEYPMGEPP] EGXYEXI XLI [SVOMRK EXXEGLQIRX XMPX MR
XLI FYGOIX XS XLI PMQMX

'EYXMSR 6MWO SJ EGGMHIRXW HYI XS VIWXVMGXIH FVEOMRK IJJIGX


8LI FVEOMRK IJJIGX SJ XLI FVEOIW MW MQTEMVIH F] W[MXGLMRK SZIV XS SZIVVYR
HVMZI
8LI QEGLMRI GER SRP] FI FVEOIH ZME XLI QEMR FVEOMRK G]PMRHIV YWMRK XLI
FVEOI TIHEP
 %P[E]W HVMZI GEVIJYPP] [LIR YRHIV XS[

,MKL TVIWWYVI VIPMIJ ZEPZIW

 ZEVMEFPI HMWTPEGIQIRX  TVSXIGXMZI GET


TYQTXVEZIP L]HVEYPMGW  WIXXMRK WGVI[
 LMKL TVIWWYVI VIPMIJ ZEPZI  GSYRXIV RYX
 LMKL TVIWWYVI VIPMIJ ZEPZI

7[MXGL XVEZIP HVMZI W]WXIQ XS SZIVVYR F] VIPIEWMRK XLI ZEPZI MRWIVX SJ XLI
LMKL TVIWWYVI PMQMXMRK ZEPZIW   
d 6IQSZI XLI TVSXIGXMZI GET 
d PSSWIR XLI GSYRXIV RYX 
d XYVR XLI EHNYWXMRK WGVI[  YRXMP MX MW JPYWL [MXL XLI GSYRXIV RYX 
d XMKLXIR XLI GSYRXIV RYX  EKEMR
8LMW IREFPIW XLI JVII GMVGYPEXMSR SJ XLI SMP
8LI QEGLMRItW HVMZI JYRGXMSRW EVI RS[ MRSTIVEXMSREP

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
)QIVKIRG] STIVEXMSR

;SVOMRK L]HVEYPMGW PSGO

 0IZIV i [SVOMRK L]HVEYPMGW


PSGO

d -J RIGIWWEV] TYPP XLI PIZIV  YT[EVHW XS TVIZIRX YRJSVIWIIR EGXYEXMSR


SJ XLI [SVOMRK L]HVEYPMGW PSGO
8LI [SVOMRK L]HVEYPMGW EVI RS PSRKIV STIVEXMSREP

(MWTPE] YRMX ERH PIZIV i TEVOMRK FVEOI


 PIZIV i TEVOMRK FVEOI  W]QFSP JMIPH i TEVOMRK FVEOI

d 6IPIEWI XLI TEVOMRK FVEOI F] TVIWWMRK XLI PIZIV HS[R  


7]QFSP JMIPH  JSV XLI TEVOMRK FVEOI KSIW SYX
8LI TEVOMRK FVEOI MW VIPIEWIH 8LI QEGLMRI MW RS[ VIEH] JSV XS[MRK

%XXEGLMRK XS[MRK VSTIW

d *IIH XLI X[S XS[MRK VSTIW XLVSYKL XLI FSVI LSPIW TVSZMHIH MR XLI JVSRX
WIGXMSR ERH WIGYVI XLIQ
6IXMKLXIR XLI ZEPZI MRWIVX SJ XLI LMKL TVIWWYVI PMQMXMRK ZEPZIW   SR
GSQTPIXMSR SJ XS[MRK

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
)QIVKIRG] STIVEXMSR

,MKL TVIWWYVI VIPMIJ ZEPZIW


 ZEVMEFPI HMWTPEGIQIRX  TVSXIGXMZI GET
TYQTXVEZIP L]HVEYPMGW  WIXXMRK WGVI[
 LMKL TVIWWYVI VIPMIJ ZEPZI  GSYRXIV RYX
 LMKL TVIWWYVI VIPMIJ ZEPZI

d 0SSWIR GSYRXIV RYX 


d 9RWGVI[ XLI EHNYWXMRK WGVI[  XS XLI PMQMX
d 8MKLXIR XLI GSYRXIV RYX  EKEMR
d 4YX SR XLI TVSXIGXMZI GET 
8LI SVMKMREP EHNYWXQIRX SJ XLI LMKL TVIWWYVI VIPMIJ ZEPZIW MW XLYW VI
IWXEFPMWLIH

8S[MRK [MXL XLI HMIWIP IRKMRI W[MXGLIH SJJ


-R XLI IZIRX SJ WIVMSYW HEQEKI XS XLI QEGLMRI WYGL EW FVIEOHS[R SJ XLI
HMIWIP IRKMRI XLI FVEOMRK ERH WXIIVMRK JYRGXMSRW [MPP FI MQTEMVIH
8LI FVEOMRK IJJIGX SJ XLI FVEOIW MW MQTEMVIH F] W[MXGLMRK SZIV XS
SZIVVYR HVMZI
i 8LI L]HVSWXEXMG FVEOMRK IJJIGX MW RSX EZEMPEFPI
i 8LI QEGLMRI GER SRP] FI FVEOIH ZME XLI QEMR FVEOMRK G]PMRHIV YWMRK
XLI XLI FVEOI TIHEP
8LI JSPPS[MRK TVIGEYXMSRW WLSYPH FI XEOIR FIJSVI XS[MRK XLI QEGLMRI
4VIGEYXMSRW
i XYVR XLI FEXXIV] QEMR W[MXGL  [MXL XLI OI]  XS TSWMXMSR  -  32
i EHSTX XLI XVERWTSVX TSWMXMSR
i QEOI EPP HVMZI JYRGXMSRW MRSTIVEXMSREP
i VIPIEWI XLI TEVOMRK FVEOI
;LIR XS[MRK [MXL HMIWIP IRKMRI WLYX HS[R TVSGIIH EW JSPPS[W

,MKL TVIWWYVI VIPMIJ ZEPZIW

   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
)QIVKIRG] STIVEXMSR

 ZEVMEFPI HMWTPEGIQIRX  TVSXIGXMZI GET


TYQTXVEZIP L]HVEYPMGW  WIXXMRK WGVI[
 LMKL TVIWWYVI VIPMIJ ZEPZI  GSYRXIV RYX
 LMKL TVIWWYVI VIPMIJ ZEPZI

7[MXGL XVEZIP HVMZI W]WXIQ XS SZIVVYR F] VIPIEWMRK XLI ZEPZI MRWIVX SJ XLI
LMKL TVIWWYVI PMQMXMRK ZEPZIW   
d 6IQSZI XLI TVSXIGXMZI GET 
d PSSWIR XLI GSYRXIV RYX 
d XYVR XLI EHNYWXMRK WGVI[  YRXMP MX MW JPYWL [MXL XLI GSYRXIV RYX 
d 8MKLXIR XLI GSYRXIV RYX  EKEMR
8LMW IREFPIW JVII GMVGYPEXMSR SJ XLI SMP
8LI QEGLMRItW HVMZI JYRGXMSRW EVI RS[ MRSTIVEXMSREP

4EVOMRK FVEOI

d 6IPIEWI XLI TEVOMRK FVEOI  


d 8LI W]QFSP JMIPH JSV XLI TEVOMRK FVEOI QYWX KS SYX

;EVRMRK 6MWO SJ EGGMHIRXW [LIR XLI QEGLMRI MW YRHIV XS[


 8LI WXIIVMRK JYRGXMSR MW PMQMXIH

d 7[MXGL SR XLI MKRMXMSR F] XYVRMRK XLI WXEVXMRK OI] XS TSWMXMSR  - 


d *IIH XLI X[S XS[MRK VSTIW XLVSYKL XLI FSVI LSPIW TVSZMHIH MR XLI JVSRX
WIGXMSR ERH WIGYVI XLIQ
6IXMKLXIR XLI ZEPZI MRWIVX SJ XLI LMKL TVIWWYVI PMQMXMRK ZEPZIW   SR
GSQTPIXMSR SJ XS[MRK

,MKL TVIWWYVI VIPMIJ ZEPZIW


 ZEVMEFPI HMWTPEGIQIRX  TVSXIGXMZI GET
TYQTXVEZIP L]HVEYPMGW  WIXXMRK WGVI[
 LMKL TVIWWYVI VIPMIJ ZEPZI  GSYRXIV RYX
 LMKL TVIWWYVI VIPMIJ ZEPZI

0 0-)&,)66   
3TIVEXMSR ,ERHPMRK 3TIVEXMRK QERYEP
)QIVKIRG] STIVEXMSR

d 0SSWIR GSYRXIV RYX 


d 9RWGVI[ XLI EHNYWXMRK WGVI[  XS XLI PMQMX
d 8MKLXIR XLI GSYRXIV RYX  EKEMR
d 4YX SR XLI TVSXIGXMZI GET 
8LI SVMKMREP EHNYWXQIRX SJ XLI LMKL TVIWWYVI VIPMIJ ZEPZIW MW XLYW VI
IWXEFPMWLIH

 4VSGIHYVI JSV NYQT WXEVXMRK


;LIR MX MW HMJJMGYPX XS WXEVX HYI XS JPEX FEXXIVMIW XLI QEGLMRI GER FI NYQT
WXEVXIH [MXL ER I\XIVREP FEXXIV]
1EOI WYVI XLEX XLI TVIGEYXMSRW HIXEMPIH FIPS[ LEZI FIIR XEOIR

'SRRIGXMRK XLI I\XIVREP FEXXIV]


8S NYQT WXEVX TVSGIIH EW JSPPS[W

(ERKIV 6MWO SJ EGGMHIRXW HYI XS MRGSVVIGX SV GEVIPIWW NYQT WXEVXMRK


;LIR I\XIVREP FEXXIVMIW EVI GSRRIGXIH [MXL SPH FEXXIVMIW XLIVI QE] FI ER
MRGVIEWI MR KEW JSVQEXMSR 8LIVI MW E q6-7/ 3* )<4037-327r
 8LIVIJSVI ]SY WLSYPH EZSMH REOIH JPEQI ERH ER] WTEVOW MR XLI ZMGMRMX] SJ
XLI FEXXIVMIW
 4VSXIGXMZI KSKKPIW ERH KPSZIW WLSYPH FI [SVR [LIR NYQT WXEVXMRK
 3RP] YWI NYQT WXEVXMRK GEFPIW [MXL WYJJMGMIRX HMEQIXIV

4VSGIHYVI JSV NYQT WXEVXMRK


 IEVXL TSMRX SJ XLI HMWGLEVKIH  I\XIVREP FEXXIV]
FEXXIV]  IEVXL TSMRX JSV I\XIVREP FEXXIV]
 TSWMXMZI XIVQREP SJ XLI HMW
GLEVKIH FEXXIV]

d 'SRRIGX E NYQT WXEVX GEFPI JMVWX XS XLI TPYW XIVQMREP SJ XLI HMWGLEVKIH
FEXXIV]  ERH XLIR XS XLI TPYW XIVQMREP SJ XLI I\XIVREP FEXXIV] 
d 'SRRIGX XLI WIGSRH NYQT WXEVX GEFPI JMVWX XS XLI IEVXL TSMRX JSV XLI
I\XIVREP FEXXIV]  ERH XLIR XS XLI RIKEXMZI XIVQMREP SJ XLI I\XIVREP
FEXXIV] 
d 7XEVX YT XLI HMIWIP IRKMRI 7II XLI q7XEVXMRK XLI HMIWIP IRKMRIr WIGXMSR


   0-)&,)66 0
3TIVEXMRK QERYEP 3TIVEXMSR ,ERHPMRK
)QIVKIRG] STIVEXMSR

(MWGSRRIGXMRK XLI I\XIVREP FEXXIV]


&IJSVI XLI NYQT WXEVX GEFPIW EVI VIQSZIH MX MW IWWIRXMEP XLEX XLI
HMIWIP IRKMRI SJ XLI QEGLMRI MW QSZIH XS XLI PS[IV MHPI WTIIH
)\GIWW ZSPXEKI GER FI EZSMHIH F] W[MXGLMRK SR FMK GSRWYQIVW WYGL EW
JPSSHPMKLXW
d *MVWX VIQSZI XLI NYQT WXEVX GEFPI JVSQ XLI RIKEXMZI TSPI SJ XLI I\XIVREP
FEXXIV]  ERH XLIR JVSQ XLI IEVXL TSMRX JSV XLI I\XIVREP FEXXIV] 
d 8LIR VIQSZI XLI WIGSRH NYQT WXEVX GEFPI JMVWX JVSQ XLI TSWMXMZI TSPI SJ
XLI I\XIVREP FEXXIV]  ERH XLIR JVSQ XLI TSWMXMZI TSPI SJ XLI HMWGLEVKIH
FEXXIV] 

0 0-)&,)66   
 1EPJYRGXMSRW

;EVRMRK ERH JEYPX QIWWEKIW


i :EVMSYW JEYPXW EVI MRHMGEXIH F] XLI GSVVIWTSRHMRK MRHMGEXSV PEQTW STXM
GEPP] SV F] HMWTPE] MRWXVYQIRXW SR XLI MRWXVYQIRX TERIP
7II GLETXIV q3TIVEXMSR LERHPMRKr WIGXMSR q(MWTPE] YRMXr JSV JYVXLIV
MRJSVQEXMSR
i ;EVRMRK JYRGXMSRW EVI MR WSQI GEWIW TVSZMHIH [MXL EHHMXMSREP EGSYWXMG
WYTTSVX

-HIRXMJMGEXMSR ERH VIGXMJMGEXMSR SJ JEYPXW ERH IVVSVW


i *EYPXW GER SJXIR FI XVEGIH FEGO XS XLI JEGX XLEX XLI QEGLMRI [EW
MRGSVVIGXP] STIVEXIH SV WIVZMGIH
8LIVIJSVI GEVIJYPP] VIEH XLI ETTVSTVMEXI WIGXMSR SJ XLI STIVEXMRK
ERH QEMRXIRERGI MRWXVYGXMSRW IEGL XMQI E JEYPX SGGYVW
i %REP]WI XLI GEYWI SJ XLI JEYPX ERH VIGXMJ] MX [MXLSYX HIPE]
i (IWGVMFI XLI JEYPX ERH EPP VIPEXIH GMVGYQWXERGIW EW EGGYVEXIP] EW
TSWWMFPI MJ ]SY GEPP SR XLI WIVZMGIW SJ XLI 0-)&,)66 '97831)6
7)6:-')
4VIGMWI HIWGVMTXMSRW [MPP JEGMPMXEXI YW MR XLI VETMH MWSPEXMSR SJ XLI JEYPX ERH
MXW VIGXMJMGEXMSR *SV XLMW TYVTSWI TVIGMWI HIXEMPW EFSYX XLI QEGLMRI X]TI
ERH WIVMEP RYQFIV EVI VIUYMVIH
i (S RSX EXXIQTX ER] NSFW JSV [LMGL ]SY EVI RSX XVEMRIH SV MRWXVYGXIH
-J ]SY EVI RSX EFPI XS MHIRXMJ] XLI GEYWI SJ XLI JEYPX [MXL XLI q)VVSV
GSHI XEFPIWr SV EVI RSX EFPI XS VIQIH] XLI JEYPX GSRXEGX XLI 0-)&
,)66 '97831)6 7)6:-')

 )VVSV GSHI XEFPIW

0 0-)&,)66 


1EPJYRGXMSRW 3TIVEXMRK QERYEP
)VVSV GSHI XEFPIW

(MIWIP IRKMRI
1EPJYRGXMSRIVVSV 'EYWI 6IQIH]
8LI IRKMRI [MPP RSX WXEVX 1EMR FEXXIV] W[MXGL MW RSX W[MXGLIH 8YVR SR XLI QEMR FEXXIV] W[MXGL
SR
1EMR JYWI MW HIJIGX 'LIGO QEMR JYWI LEZI VITPEGIH F]
WIVZMGI TIVWSRRIP
&EXXIV] HIJIGXMZI SV JPEX ,EZI FEXXIV] GLIGOIH ERH XLI QEP
JYRGXMSR VIGXMJMIH F] WIVZMGI TIVWSR
RIP
&EXXIV] XIVQMREPW PSSWI +VIEWI XLI FEXXIV] TSMRXW ERH
XMKLXIR XLI XIVQMREPW
)RKMRI XYVRW SZIV FYX HSIW RSX WXEVX )RKMRI MW XSS GSPH 4VILIEX WYJJMGMIRXP] [LIR WXEVXMRK
*YIP XERO MW IQTX] *MPP XLI XERO
7]WXIQ HSIW RSX RIIH FPIIHMRK
*YIP MW RSX WYMXIH XS XLI EQFMIRX 9WI [MRXIVKVEHI HMIWIP
XIQTIVEXYVI
'LERKI JMPXIV ERH GPIER WMIZI
7XEVXWXST WSPIRSMH HSIW RSX W[MXGL 'LIGO JYWIW *% ERH *& VITPEGI MJ
RIGIWWEV]
)RKMRI RSX YT XS JYPP GETEGMX] )RKMRI MW RSX KIXXMRK IRSYKL JYIP 'PIER JYIP WMIZI
6ITPEGI JYIP JMPXIV
)RKMRI MW KIXXMRK XSS PMXXPI EMV 'LIGOGPIER EMV JMPXIV [LIR RIGIW
WEV]
1E\MQYQ RYQFIV SJ HMIWIP QSXSV 6IZSPYXMSR EHNYWXQIRX TIHEP QYWX
VIZSPYXMSRW RSX VIEGLIH WXST EX XLI JYPP PSEH PMQMX [LIR XLI
TIHEP MW JYPP] TVIWWIH HS[R
-J RIGIWWEV] EHNYWX XLI &S[HIR
GSRXVSP
(MIWIP IRKMRI SZIVLIEXW )RKMRI MW HMVX] 3TIR WIVZMGI LEXGL
'PIER SMP GSSPIV
'PIER GSSPMRK JMRW
'PIER EMV WLEJX
%MV JMPXIV MW HMVX] 'PIER EMV JMPXIV
:FIPX MW PSSWI 8MKLXIR :FIPX
4MPSX PEQT  FEXXIV] VIGLEVKMRK HSIW :FIPX MW FVSOIR 6ITPEGI ZFIPX
RSX KS SYX

 0-)&,)66 0


3TIVEXMRK QERYEP 1EPJYRGXMSRW
)VVSV GSHI XEFPIW

(VMZMRK QSHI
1EPJYRGXMSRIVVSV 'EYWI 6IQIH]
8LI QEGLMRI HSIW RSX QSZI EP &EXXIV] GLEVKMRK TMPSX PEQT HSIW RSX 4VIWW KEW TIHEP YRXMP XLI TMPSX PEQT
XLSYKL XLI QSXSV MW VYRRMRK KS SYX KSIW SYX
4VIWIPIGXMSR SJ XLI XVEZIP HMVIGXMSR MW 4EVOMRK FVEOI MW SR 6IPIEWI TEVOMRK FVEOI TVIWIPIGX
RSX TSWWMFPI HVMZI HMVIGXMSR
*YWI HIJIGXMZI 'LIGO *% JYWI
VITPEGI MJ RIGIWWEV]
4EVOMRK FVEOI MW VIPIEWIH TEVOMRK 7[MXGL JSV TEVOMRK FVEOI MW HIJIGXMZI 'LIGOEHNYWX W[MXGL VITPEGI MJ RIG
FVEOI TMPSX PMKLX HSIW RSX KS SYX IWWEV]
8LI QEGLMRI HSIW RSX QSZI EP 2S L]HVEYPMG JPYMH 'LIGO PIZIP SJ JPYMH MR L]HVEYPMGW
XLSYKL XLI QSXSV MW VYRRMRK HVMZI XERO JMPP YT MJ RIGIWWEV]
HMVIGXMSR GER FI TVIWIPIGXIH
,]HVEYPMG JPYMH MW XSS XLMGO
E JPYMH MW XSS GSPH E %PPS[ IRKMRI XS [EVQ YT
F JPYMH MW RSX WYMXEFPI JSV EQFMIRX F YWI WYMXEFPI SMP
XIQTIVEXYVI
,]HVEYPMG JPYMH SZIVLIEXW 2S L]HVEYPMG JPYMH 'LIGO SMP PIZIP MR XLI L]HVEYPMG XERO
*MPP YT MJ RIGIWWEV]
,]HVEYPMG JPYMH MW XSS XLMR 9WI WYMXEFPI SMP
,]HVEYPMG JPYMH GSSPIV MW HMVX] 'PIER SMP GSSPIV
*ER QSXSV MW RSX VYRRMRK 'LIGO *% JYWI
7[MXGLSR TSMRX MW ETTVS\MQEXIP] 6ITPEGI MJ RIGIWWEV]
”'

7XIIVMRK W]WXIQ
1EPJYRGXMSRIVVSV 'EYWI 6IQIH]
7XIIVMRK JYRGXMSR RSX TSWWMFPI 2S L]HVEYPMG JPYMH 'LIGO SMP PIZIP MR XLI L]HVEYPMG XERO
*MPP YT MJ RIGIWWEV]
%VXMGYPEXMSR PSGO MW IRKEKIH 4YX WEJIX] FEV MR XLI YTTIV TSWMXMSR

)PIGXVMGEP W]WXIQ
1EPJYRGXMSRIVVSV 'EYWI 6IQIH]
7SQI SJ XLI PMKLXMRK MW RSX JYRGXMSR *YWI MW JEYPX] 6ITPEGI JYWI
MRK
&YPF MW HIJIGXMZI 6ITPEGI FYPF
'LIGO GSRRIGXMSRW

;SVOMRK EXXEGLQIRX
1EPJYRGXMSRIVVSV 'EYWI 6IQIH]
8LI [SVOMRK EXXEGLQIRX HSIW RSX 2S L]HVEYPMG JPYMH 'LIGO PIZIP SJ JPYMH MR L]HVEYPMGW
QSZI [LIR XLI GSRXVSP PIZIV MW EG XERO JMPP YT MJ RIGIWWEV]
XYEXIH
7EJIX] PIZIV JSV HIEGXMZEXMRK XLI 4YX XLI WEJIX] PIZIV MR XLI PS[IV
[SVOMRK L]HVEYPMGW MW IRKEKIH TSWMXMSR

0 0-)&,)66 


1EPJYRGXMSRW 3TIVEXMRK QERYEP
)VVSV GSHI XEFPIW

&VEOMRK W]WXIQ
1EPJYRGXMSRIVVSV 'EYWI 6IQIH]
8LI WIVZMGI FVEOI LEW PMXXPI SV RS 8SS PMXXPI FVEOI JPYMH MR XLI FVEOMRK 'LIGO XLEX XLI FVEOMRK W]WXIQ MW
IJJIGX W]WXIQ TVSTIVP] WIEPIH  GLIGO PIZIP MR
FVEOI JPYMH GSRXEMRIV
6IJMPP MJ RIGIWWEV] [MXL 7%) ;
FVEOI JPYMH
8LI TEVOMRK FVEOI LEW PMXXPI SV RS 7IXXMRK SJ XLI FVEOI GEFPI MW RSX 7IX FVEOI GEFPI
IJJIGX GSVVIGX

,IEXMRK
1EPJYRGXMSRIVVSV 'EYWI 6IQIH]
8LI LIEXMRK MW RSX [SVOMRK 3MP MRTYX JSV LIEXMRK MW MRXIVVYTXIH 'LIGO SRSJJ W[MXGL
8LI FPS[IV JSV XLI LIEXMRKEMVGSR *YWI *% MW JEYPX] 6ITPEGI JYWI
HMXMSRMRK

 0-)&,)66 0


3TIVEXMRK QERYEP 1EPJYRGXMSRW
)PMQMREXMRK QEPJYRGXMSRW

 )PMQMREXMRK QEPJYRGXMSRW

 'LERKMRK JYWIW

&S\ i QEMR JYWI


-R SVHIV XS EZSMH HEQEKI XS XLI IPIGXVMGEP W]WXIQ SRP] JYWIW [MXL XLI
ETTVSTVMEXI %QT VEXMRK QE] FI YWIH
&IJSVI E JYWI MW VITPEGIH XLI VIPIZERX IPIGXVMGEP GMVGYMX QYWX FI GLIGOIH
8LI JYWI WSGOIX  MW SR XLI PIJXLERH WMHI SJ XLI QEGLMRI MR XLI FEXXIV]
GSQTEVXQIRX

*YWI :EPYI 9RMXW 2EQIJYRGXMSR


  % 1EMR IPIGXVMGEP GMVGYMX
  % 7TIGMEP EXXEGLQIRX

1EMR JYWI
4PYKMR JYWIW
8LI TPYKMR JYWIW *% i *& JSV XLI JYRGXMSRW MR XLI XEFPI FIPS[ EVI MR XLI
JYWI FEWI  YRH  XS XLI PIJX MR XLI MRWXVYQIRX TERIP

'SRXVSP YRMX [MXL TPYKMR JYWIW *%i*&

0 0-)&,)66 


1EPJYRGXMSRW 3TIVEXMRK QERYEP
)PMQMREXMRK QEPJYRGXMSRW

d 3TIR XLI GSZIV XS XLI qJYWI FEWIr XS XLI PIJX MR XLI MRWXVYQIRX TERIP
d -HIRXMJ] XLI JYWI EWWSGMEXIH [MXL XLI IPIGXVMGEP JEMPYVI [MXL XLI EMH SJ XLI
JYWI GLEVX FIPS[
d 8EOI SYX XLI FPS[R JYWI ERH VITPEGI [MXL E RI[ SRI %QT VEXMRK
EGGSVHMRK XS PSGEXMSR 

*YWI :EPYI 9RMXW 2EQIJYRGXMSR


*%  % 1SXSVWXST WSPIRSMH
*%  % 3MP GSSPIV QSXSV
*%  % ;SVOMRK JPSSHPMKLXW
*%  % -RXIVMSV MPPYQMREXMSR JPEWLMRK FIEGSR VEHMS WSGOIX VIPE] / GSQTVIWWSV
HVMZIV W WIEX
*%  % 6IWIVZI JYWI
*%  % ,E^EVH [EVRMRK W]WXIQ
*%  % 'SRXVSP IPIGXVSRMGW HMWTPE] MRWXVYQIRXW QIWWEKI PEQTW
*%  % &VEOI PMKLX MRHMGEXSVW
*%  % &PS[IV QSXSV  LIEXMRK
*%  % ;MRHWLMIPH [MTIVW [EWLIV QSXSV LSVR
*%  % 6IWIVZI JYWI
*&  % 6IPE]W / /
*&  % 7MHI QEVOIV PMKLX FEGO PMKLX TVSJMPI PMKLX PIJX MRWXVYQIRXIR PMKLXMRK
*&  % 7MHI QEVOIV PMKLX FEGO PMKLX TVSJMPI PMKLX VMKLX VIKMWXVEXMSR PMKLXMRK
*&  % 7MHIQEVOIV PMKLX PIJX
*&  % 7MHIQEVOIV PMKLX VMKLX
*&  % ,IEHPMKLXW PIJX
*&  % ,IEHPMKLXW VMKLX
*&  % 6IWIVZI JYWI
*&  % 4VIKPS[MRK W[MXGL PMKLXMRK
*&  % 6IWIVZI JYWI
*&  % 6IWIVZI JYWI

*YWI GLEVX

 0-)&,)66 0


 1EMRXIRERGI

 1EMRXIRERGI ERH MRWTIGXMSR WGLIHYPI


8LI JSPPS[MRK EFFVIZMEXMSRW EVI YWIH MR XLMW 'LETXIV
i L ! WIVZMGI LSYVW
i 31 ! 3TIVEXSV W QERYEP
i 71 ! 7IVZMGI QERYEP
i %78 ! %YXLSVMWIH WTIGMEPMWX XIGLRMGMERW
i 14 ! 1EMRXIRERGI TIVWSRRIP
8LI X[S X]TIW SJ QEMRXIRERGI [SVO EVI HMWXMRKYMWLIH F] XLIMV QEVOMRKW
GMVGPI FS\ WXEV i JMPPIH SV GMVGPI FS\ WXEV i IQTX] 
8LI QEVOMRKW LEZI XLI JSPPS[MRK WMKRMJMGERGI
i GMVGPI FS\ WXEV iJMPPIH QIERW XLEX XLI VIWTSRWMFMPMX] JSV GEVV]MRK SYX XLI
QEMRXIRERGI [SVO VIWXW [MXL XLI QEGLMRI STIVEXSV SV LMW QEMRXIRERGI
TIVWSRRIP
8LMW EJJIGXW XLI QEMRXIRERGI MRXIVZEPW IZIV]  ERH  WIVZMGI LSYVW L
ERH RSRWGLIHYPIH MRXIVZEPW
i GMVGPI FS\ WXEV i IQTX] QIERW XLEX XLI QEMRXIRERGI ERH MRWTIGXMSR
[SVO QYWX FI TIVJSVQIH SV HMVIGXIH F] EYXLSVMWIH WTIGMEPMWX XIGLRM
GMERW JVSQ 0-)&,)66 SV MXW EYXLSVMWIH HIEPIVW
8LMW EJJIGXW XLI QEMRXIRERGI MRXIVZEPW SR HIPMZIV] IZIV]  
 WIVZMGI LSYVW L  ERH EX YRWGLIHYPIH XMQIW
=SY [MPP JMRH E PMWX SJ XLI WTEVI TEVXW RIIHIH JSV QEMRXIRERGI ERH
MRWTIGXMSR [SVO MR XLI q7)6:-') 4%'/%+)r SJ XLI WTEVI TEVXW PMWX

0 0-)&,)66 


1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI ERH MRWTIGXMSR WGLIHYPI

'YWXSQIV  1EGLMRI X]TI  7IVMEP 2S  3TIV LSYVW  (EXI  

1EMRXIRERGIMRWTIGXMSR EG
GSVHMRK XS STIVEXMRK LSYVW 8%7/7 83 &) 4)6*361)(

&] QEMRXIRERGI TIVWSRRIP &] EYXLSVMWIH UYEPMJMIH TIVWSRRIP


3RISJJ EGXMZMX] 3RISJJ EGXMZMX]
6ITIXMXMSR MRXIVZEP 6ITIXMXMSR MRXIVZEP
-J RIGIWWEV] -J RIGIWWEV]
%RRYEPP] EX XLI WXEVX SJ XLI GSPH WIEWSR

'SQTPIXI QEGLMRI
8LI HVMZIV WLSYPH PYFVMGEXI XLI QEGLMRI MR EGGSVHERGI [MXL XLI PYFVMGEXMSR GLEVX ERH
MRWXVYGXIH SR TVSTIV QEMRXIRERGI
-RWXVYGX XLI HVMZIV MR XLI STIVEXMSR SJ EPP JYRGXMSRW
'LIGO XLI QEGLMRI JSV I\XIVREP HEQEKI
'LIGO XLEX EPP WGVI[IH GSRRIGXMSRW EVI XMKLX
7IEP ER] I\XIVREP PIEOW EW RIGIWWEV]
'LIGO L]HVEYPMG TVIWWYVIW EGGSVHMRK XS XLI EHNYWXQIRX PSK  WII WIVZMGI QERYEP
(MIWIP IRKMRI
'LIGO XLI SMP PIZIP MR XLI HMIWIP IRKMRI
L 'LERKI SMP JMPXIV MRWTIGXMSR MRXIVZEP MW  L SV  L HITIRHMRK SR SMP WTIGMJMGEXMSR
6ITPEGI JYIP JMPXIV
(VEMR GSRHIRWEXMSR JVSQ JYIP JMPXIV
'PIER ERH MJ RIGIWWEV] VITPEGI XLI EMV JMPXIV QEMR IPIQIRX
'PIER GSSPMRK W]WXIQ QSXSV
'LIGO IRKMRI WTIIH
'LIGO ERH MJ RIGIWWEV] VITPEGI :FIPXW
'LIGO EMV WYGXMSR LSWIW
'LIGO ZEPZI TPE]
'0IER ERH MJ RIGIWWEV] GLERKI WYTTP] TYQT JYIP WMIZI JYIP
'LIGO JYIP FEGOJPS[ PMRIW ERH GLERKI MJ RIGIWWEV] SV IZIV] X[S ]IEVW EX XLI PEXIWX
1EOI WYVI XLEX XLI EMV MRPIX ERH I\LEYWX PMRIW EVI WIGYVIP] EXXEGLIH
'LIGO TVIKPS[ W]WXIQ
'PIER HYWX I\XVEGXMSR ZEPZI SJ XLI EMV JMPXIV
6ITPEGI EMV JMPXIV WEJIX] IPIQIRX EJXIV XLI QEMR IPIQIRX LEW FIIR VITPEGIH  XMQIW
45L 6ITPEGI XSSXIH FIPXW ERH XIRWMSR TYPP] [MXL XSSXLIH FIPX ZIRXMPEXMSR EJXIV  WIVZMGI
LSYVW  SV IZIV] JMZI ]IEVW EX XLI PEXIWX
;SVOMRK L]HVEYPMGW
'LIGO SMP PIZIP MR XLI L]HVEYPMG XERO
L 'LIGO XLI QEKRIXMG VSH SR XLI L]HVEYPMG XERO
(VEMR [EXIV ERH WIHMQIRX JVSQ XLI L]HVEYPMG XERO
6ITPEGI VIXYVRWYGXMSR JMPXIV
'PIER FEGOJPS[ WMIZI MR XLI L]HVEYPMG XERO SRGI E ]IEV
6ITPEGI FVIEXLIV JMPXIV SR XLI L]HVEYPMG XERO

 0-)&,)66 0


3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI ERH MRWTIGXMSR WGLIHYPI

'YWXSQIV  1EGLMRI X]TI  7IVMEP 2S  3TIV LSYVW  (EXI  

1EMRXIRERGIMRWTIGXMSR
EGGSVHMRK XS STIVEXMRK LSYVW 8%7/7 83 &) 4)6*361)(

&] QEMRXIRERGI TIVWSRRIP &] EYXLSVMWIH UYEPMJMIH TIVWSRRIP


3RISJJ EGXMZMX] 3RISJJ EGXMZMX]
6ITIXMXMSR MRXIVZEP 6ITIXMXMSR MRXIVZEP
-J RIGIWWEV] -J RIGIWWEV]
%RRYEPP] EX XLI WXEVX SJ XLI GSPH WIEWSR

'PIER TMPSX GSRXVSP HIZMGI WSPIRSMHW ERH PYFVMGEXI YRMZIVWEP NSMRXW


6ITPEGI L]HVEYPMG SMP
'PIER SMP GSSPIV

7XIIVMRK W]WXIQ
'LIGO XLI WXIIVMRK JSV TVSTIV JYRGXMSRMRK
0YFVMGEXI XLI FIEVMRK TSMRXW SR XLI WXIIVMRK G]PMRHIVW
&VEOMRK W]WXIQ
'LIGO XLI SMP PIZIP MR XLI IUYEPM^MRK VIWIVZSMV
'LIGO XLEX XLI WIVZMGI ERH TEVOMRK FVEOIW EVI JYRGXMSRMRK TVSTIVP]
'LIGO SZIVPETTMRK SJ XLI FVEOI MRGLMRK W]WXIQ
'LIGO XLI TPE] ERH [IEV SJ XLI FVEOI TEHW

)PIGXVMGEP W]WXIQ
'LIGO MRHMGEXSV PEQTW ERH PMKLXMRK
'LIGO FEXXIV] MIW  JPYMH PIZIP ERH TSMRXW
8VEZIP KIEV
'LIGO XLI SMP PIZIP
'LERKI KIEV SMP SRGI EJXIV  L SRP] JSV 00 JVSQ 7IVMEP 2S 
%\PIW 8]VIW
'LIGO ERH MJ RIGIWWEV] EHNYWX X]VI TVIWWYVI SR EXXEGLQIRXW ERH EGGIWWSVMIW
'LIGO XLI XMKLXRIWW SJ XLI [LIIP PYKW SRGI EJXIV   ERH  L
+VIEW XLI PYFVMGEXMSR TSMRXW SR XLI E\PI TMZSX WXIIVMRK SR XLI VIEV E\PI
0YFVMGEXI XLI HVMZI WLEJX
'LIGO XLI SMP PIZIPW
'LERKI KIEV SMP SRGI EJXIV  L SRP] JSV 00 JVSQ 7IVMEP 2S 

:ILMGPI JVEQI &EPPEWX [IMKLX


+VIEWI PYFVMGEXMSR TSMRXW SR XLI VIEV E\PI SWGMPPEXMRK E\PI GEWMRK ERH XLI EVXMGYPEXIH
TIRHYPYQ FIEVMRK
'SZIVMRK 'EF EGGIWW
0YFVMGEXI LMRKW SR XLI LSSH SJ XLI IRKMRI GSQTEVXQIRX

0 0-)&,)66 


1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI ERH MRWTIGXMSR WGLIHYPI

'YWXSQIV  1EGLMRI X]TI  7IVMEP 2S  3TIV LSYVW  (EXI  

1EMRXIRERGIMRWTIGXMSR
EGGSVHMRK XS STIVEXMRK LSYVW 8%7/7 83 &) 4)6*361)(

&] QEMRXIRERGI TIVWSRRIP &] EYXLSVMWIH UYEPMJMIH TIVWSRRIP


3RISJJ EGXMZMX] 3RISJJ EGXMZMX]
6ITIXMXMSR MRXIVZEP 6ITIXMXMSR MRXIVZEP
-J RIGIWWEV] -J RIGIWWEV]
%RRYEPP] EX XLI WXEVX SJ XLI GSPH WIEWSR

'EF ,IEXMRK %MV GSRHMXMSRMRK W]WXIQ STXMSREP


'LIGO XLI MRHMGEXSV FIEHW MR XLI HV]IVGSPPIGXSV YRMX STXMSREP
'PIER SV VITPEGI XLI JVIWL EMV JMPXIV
0YFVMGEXI XLI HSSV LMRKIW
0MJX EVQW UYMGOGLERKI HIZMGI
'LIGO ERH PYFVMGEXI FIEVMRKW ERH PYFVMGEXMSR TSMRXW
0YFVMGEXI FYGOIX FIEVMRKW XLI PS[IV FYGOIX FIEVMRKW  MJ RIGIWWEV]  HEMP]
'LIGO XLI PMJX EVQ ERH FYGOIX WXSTW

 0-)&,)66 0


3TIVEXMRK QERYEP 1EMRXIRERGI
0YFVMGERX GLEVX JMPPMRK UYERXMXMIW

 0YFVMGERX GLEVX JMPPMRK UYERXMXMIW

 8EFPI SJ JMPPMRK UYERXMXMIW


8LI ZEPYIW WXEXIH JSV XLI JMPPMRK UYERXMXMIW MR XLI XEFPI EVI SRP] KYMHIPMRIW
i MR IEGL GEWI XLI HMTWXMGO SV PIZIP QEVOMRKW EVI HIJMRMXMZI
i )EGL XMQI XLI SMP MW VITPEGIH SV XSTTIH YT XLI PIZIP MR XLI YRMX MR
UYIWXMSR QYWX FI GLIGOIH
*SV QSVI HIXEMPIH MRJSVQEXMSR EFSYX XLI VIUYMVIH PYFVMGERXW ERH WIVZMGI
JYIPW WII XLI 'LETXIV q0YFVMGERXW ERH JYIPWr
2EQI 1IHMYQ (SWEKI 9RMXW
(MIWIP IRKMRI 0YFVMGEXMRK SMP  P

8VEZIP KIEV 0YFVMGEXMRK SMP  P

(MJJIVIRXMEP JVSRX E\PI 0YFVMGEXMRK SMP  P

;LIIP LYF JVSRX E\PI 0YFVMGEXMRK SMP  \  P

(MJJIVIRXMEP VIEV E\PI 0YFVMGEXMRK SMP  P

;LIIP LYFW VIEV E\PI 0YFVMGEXMRK SMP  \  P

,]HEYPMG XERO ,]HVEYPMG SMP  P

8SXEP GSRXIRXW SJ L] ,]HVEYPMG SMP  P


HVEYPMG W]WXIQ

&VEOI TEHW XSXEP GSR )RKMRI SMP  P


XIRX

0 0-)&,)66 


1EMRXIRERGI 3TIVEXMRK QERYEP
0YFVMGERX GLEVX JMPPMRK UYERXMXMIW

 0YFVMGERX GLEVX


8LI PYFVMGEXMSR GLEVX TVSZMHIW ER SZIVZMI[ SJ XLI PSGEXMSR SJ XLI
QEMRXIRERGI TSMRXW SR XLI QEGLMRI ERH SJ XLIMV QEMRXIRERGI MRXIVZEPW
=SY [MPP JMRH HIXEMPIH MRJSVQEXMSR MR XLI q1EMRXIRERGI ERH MRWTIGXMSR
WGLIHYPIr WIGXMSR EW [IPP EW MR XLI MRHMZMHYEP HIWGVMTXMSRW SJ XLI QEMR
XIRERGI XEWOW WII 'LETXIV q1EMRXIRERGI XEWOWr 
*SV QSVI HIXEMPIH MRJSVQEXMSR EFSYX XLI VIUYMVIH PYFVMGERXW ERH WIVZMGI
JYIPW WII XLI GLETXIV q0YFVMGERXW ERH JYIPWr
*SV MRJSVQEXMSR EFSYX XLI VIUYMVIH JMPPMRK UYERXMXMIW WII XLI q8EFPIW SJ
JMPPMRK UYERXMXMIWr WIGXMSR

 0-)&,)66 0


3TIVEXMRK QERYEP 1EMRXIRERGI
0YFVMGERX GLEVX JMPPMRK UYERXMXMIW

7]QFSP 2EQI 7]QFSP 2EQI

+IRIVEP PYFVMGEXMSR TSMRXW 0YFVMGEXMSR

'LIGO XLI SMP PIZIP 3MP GLERKI

*MVWX SMP GLERKI

0 0-)&,)66 


3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

 1EMRXIRERGI XEWOW

 4VITEVEXSV] XEWOW JSV QEMRXIRERGI


&IJSVI XLI ZEVMSYW QEMRXIRERGI XEWOW EVI TIVJSVQIH YRPIWW SXLIV[MWI
I\TPMGMXP] WTIGMJMIH MR XLI HIWGVMTXMSR XLI QEGLMRI QYWX FI QSZIH MRXS XLI
QEMRXIRERGI TSWMXMSR
8LI ZEVMSYW QEMRXIRERGI XEWOW MRGPYHI
i PYFVMGEXMRK XLI PMJX EVQ
i GLIGOMRK XLI SMP PIZIP SV GLERKMRK XLI SMP MR XLI IRKMRI XVERWJIV KIEV
E\PIW L]HVEYPMG XERO IXG
i VITPEGMRK JMPXIV EW [IPP EW EHNYWXQIRX ERH VITEMV [SVO SR XLI L]HVEYPMG
W]WXIQ

7EJIX] TVIGEYXMSRW JSV -X MW IWWIRXMEP XLEX XLI EGGMHIRX TVIZIRXMSR VIKYPEXMSRW EVI SFWIVZIH
QEMRXIRERGI HYVMRK QEMRXIRERGI [SVO
7II XLI q1IEWYVIW XS IRWYVI WEJI QEMRXIRERGIr WIGXMSR 
1EOI WYVI XLEX ZMWYEP GSRXEGX FIX[IIR XLI STIVEXSV MR XLI GEF ERH XLI
QEMRXIRERGI TIVWSRRIP MW EP[E]W QEMRXEMRIH

:MWYEP GSRXEGX

(ERKIV 6MWO SJ EGGMHIRXW JSV XLI QEMRXIRERGI TIVWSRRIP


9RJSVIWIIR LERHPMRK SJ XLI QEGLMRI F] ER YREYXLSVMWIH TIVWSR GER TPEGI
XLI QEMRXIRERGI TIVWSRRIP MR I\XVIQI HERKIV
 2IZIV IRXIV SRI SJ XLI QEGLMRI W HERKIV EVIEW [MXLSYX QEOMRK ]SYV
TVIWIRGI ORS[R

d 1EOI ]SYVWIPJ GPIEVP] ZMWMFPI FIJSVI IRXIVMRK SRI SJ XLI QEGLMRItW


HERKIV EVIEW
d 7IGYVI XLI QEGLMRI EKEMRWX YRJSVIWIIR VSPPMRK E[E] [MXL [LIIP
[IHKIW

;LIIP [IHKIW

1EMRXIRERGI TSWMXMSRW 8LI QEMRXIRERGI TSWMXMSR HITIRHW SR XLI QEMRXIRERGI XEWO XS FI TIV
JSVQIH
8LI X[S FEWMG QEMRXIRERGI TSWMXMSRW  ERH  EVI HIWGVMFIH FIPS[
8LI] IREFPI EGGIWW XS XLI MRHMZMHYEP QEMRXIRERGI TSMRXW

0 0-)&,)66 


1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

1EMRXIRERGI TSWMXMSR 
8S QSZMRK XLI QEGLMRI MRXS XLI QEMRXIRERGI TSWMXMSR  TVSGIIH EW
JSPPS[W
*SV E HIXEMPIH HIWGVMTXMSR SJ XLI MRHMZMHYEP TVSGIHYVIW WII XLI 7IGXMSR
q3TIVEXMSR ,ERHPMRKr

1EMRXIRERGI TSWMXMSR 

d 4EVO XLI QEGLMRI SR PIZIP KVSYRH


d 0S[IV XLI PMJX EVQ
d 7IX XLI FYGOIX HS[R JPEX SR XLI KVSYRH
d 7LYX HS[R XLI HMIWIP IRKMRI
d 8EOI SYX XLI WXEVXIV OI]

1EMRXIRERGI TSWMXMSR 
8S QSZMRK XLI QEGLMRI MRXS XLI QEMRXIRERGI TSWMXMSR  TVSGIIH EW
JSPPS[W
*SV E HIXEMPIH HIWGVMTXMSR SJ XLI MRHMZMHYEP TVSGIHYVIW WII XLI 7IGXMSR
q3TIVEXMSR ,ERHPMRKr

1EMRXIRERGI TSWMXMSR 

d 4EVO XLI QEGLMRI SR PIZIP KVSYRH


d )RKEKIXLI EVXMGYPEXMSR PSGO
d 0S[IV XLI PMJX EVQ
d 8MPX XLI FYGOIX SYX ERH WIX MX HS[R SR XLI KVSYRH SR MXW XIIXL SV GYXXMRK
IHKI
d 7LYX HS[R XLI HMIWIP IRKMRI
d 8EOI SYX XLI WXEVXMRK OI]
3TIRMRK XLI WIVZMGI HSSVW
LEXGLIW ERH LSSHW

3TIR IRKMRI GSQTEVXQIRX LSSH


;LIR XLI LSSH MW STIR XLI JSPPS[MRK YRMXW GER FI VIEGLIH
i HMIWIP IRKMRI
i ZEVMEFPI HMWTPEGIQIRX TYQT
i GSSPMRK W]WXIQ
i L]HVEYPMG XERO
i EMV JMPXIV

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

)RKMRI GSQTEVXQIRX LSSH


 GPEQTMRK PIZIV  LERHPI
 IRKMRI GSQTEVXQIRX LSSH  KEWJMPPIH WTVMRK
 LSPHMRK VSTI

d 3TIR XLI GPEQTMRK PIZIVW  SR XLI PIJX ERH VMKLX SJ XLI IRKMRI GSQTEVX
QIRX LSSH

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS QSZMRK IRKMRI TEVXW


8LI VSXEXMRK SV QSZMRK IRKMRI TEVXW WYGL EW i XLI JER FPEHIW SV :FIPXW
JSV I\EQTPI EVI TSXIRXMEP WSYVGIW SJ MRNYV]
 3RP] STIR XLI IRKMRI GSQTEVXQIRX i LSSH [LIR XLI IRKMRI MW WLYX
HS[R

d 'SQTPIXIP] STIR XLI LSSH  [MXL XLI LERHPI 


8LI LSSH MW LIPH MR XLMW TSWMXMSR F] E KEWJMPPIH WTVMRKW 

;EVRMRK 6MWO SJ MRNYVMIW HYI XS LSSH JEPPMRK GPSWIH


 'LIGO XLEX XLI JYPP]STIR TSWMXMSR MW WIGYVIH F] XLI KEWJMPPIH WTVMRK

d -J XLMW JYRGXMSR MW RSX KYEVERXIIH XLI GEYWI SJ XLI TVSFPIQ QYWX FI


VIGXMJMIH MQQIHMEXIP]
8VSYFPIWLSSXMRK
-W TVSTIV JYRGXMSRMRK RSX EWWYVIH#
d 'SRWYPX 0-)&,)66 '97831)6 7)6:-')

8YVRMRK SJJ XLI FEXXIV] QEMR 8LI QEMR FEXXIV] W[MXGL MW PSGEXIH SR XLI PIJXLERH WMHI SJ XLI HVMZIVtW GEF
W[MXGL EX XLI FEGO
*SV GIVXEMR WIVZMGI XEWOW XLI QEMR FEXXIV] W[MXGL QYWX JMVWX SJ EPP FI
XYVRIH 3**
)WXEFPMWL JVSQ XLI HIWGVMTXMSRW SJ XLI VIPIZERX QEMRXIRERGI NSFW [LIXLIV
XLI FEXXIV] QEMR W[MXGL QYWX FI XYVRIH 32 SV 3** 7II XLI GLETXIV
q1EMRXIRERGI XEWOWr   
7[MXGL SR XLI QEMR FEXXIV] W[MXGL EJXIV GSQTPIXMRK XLIWI QEMRXIRERGI
XEWOW

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

1EMR FEXXIV] W[MXGL


 QEMR FEXXIV] W[MXGL  OI]

'EYXMSR 6MWO SJ HEQEKI XS XLI IPIGXVMGEP W]WXIQ


 (S RSX XYVR SJJ XLI QEMR FEXXIV] W[MXGL [LIR XLI IRKMRI MW VYRRMRK

d 7LYX HS[R XLI IRKMRI JMVWX ERH SRP] XLIR XYVR SJJ XLI QEMR FEXXIV]
W[MXGL

(ERKIV 9RJSVIWIIR LERHPMRK SJ XLI QEGLMRI F] ER YREYXLSVMWIH TIVWSR GER TPEGI


XLI QEMRXIRERGI TIVWSRRIP MR I\XVIQI HERKIV
 *SV WEJIX] VIEWSRW MX MW IWWIRXMEP XLEX XLI FEXXIV] QEMR W[MXGL MW XYVRIH
SJJ
 *SV WIGYVMX] VIEWSRW XEOI XLI OI] SYX

d 8YVR XLI FEXXIV] QEMR W[MXGL  [MXL XLI OI]  XS TSWMXMSR   3**

 1EMRXIRERGI XEWOW HEMP] IZIV]  WIVZMGI LSYVW


3R GSQTPIXMSR SJ HEMP] WIVZMGMRK XLI QEGLMRI WLSYPH FI QSZIH FEGO MRXS
XLI STIVEXMRK TSWMXMSR
7II EPWS XLI q3TIVEXMSRr q3TIVEXMRK TSWMXMSRr WIGXMSR MR XLI q3TIVEXSV W
QERYEPr

'SQTPIXI QEGLMRI
'LIGOMRK XLI QEGLMRI JSV 1EOI WYVI XLEX XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
I\XIVREP HEQEKI
4VSGIHYVI
d &IJSVI WXEVXMRK YT XLI QEGLMRI GLIGO JSV I\XIVREP HEQEKI [LMGL GSYPH
HIXVEGX JVSQ STIVEXMSREP WEJIX]
d 6ITEMV ER] HEQEKI [MXL WEJIX] MQTPMGEXMSRW MQQIHMEXIP]

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

(MIWIP IRKMRI
'LIGOMRK XLI SMP PIZIP MR XLI 8LI HMTWXMGO MW PSGEXIH SR XLI VMKLXLERH WMHI SJ XLI IRKMRI
HMIWIP IRKMRI
8LI SMP JMPPIV RIGO MW PSGEXIH SR XST SJ XLI IRKMRI SR XLI ZEPZI GSZIV
1EOI WYVI XLEX
i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI IRKMRI MW PIZIP
i XLI IRKMRI MW WLYX HS[R
i XLI IRKMRI MW GSPH
i XLI FEXXIV] QEMR W[MXGL MJ TVSZMHIH MW W[MXGLIH SJJ ERH XLI QEMR
W[MXGLWXEVXIV OI] MW XEOIR SYX
4VSGIHYVI

(MIWIP IRKMRI  SMP HMTWXMGO

d 4YPP SYX XLI HMTWXMGO  [MTI MX GPIER ERH VIMRWIVX MX


d 4YPP SYX XLI HMTWXMGO SRGI EKEMR ERH VIEH SJJ XLI SMP PIZIP
8LI SMP PIZIP QYWX FI FIX[IIR 1-2 ERH XLI 1%< QEVO
8VSYFPIWLSSXMRK
-J XLI SMP PIZIP MW XSS PS[
d HS RSX WXEVX XLI IRKMRI
d VIQSZI XLI SMP JMPP GET

(MIWIP IRKMRI  SMP JMPPIV RIGO

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

d *MPP [MXL SMP XLVSYKL XLI SMP JMPPIV RIGO SMP UYEPMX] VIJIV XS XLI WIGXMSR
q0YFVMGERXW ERH STIVEXMRK QEXIVMEPWr 
(S RSX JMPP SZIV XLI YTTIV QEVOMRK SR XLI HMTWXMGO  ' 
d 'PIER XLI SMP JMPP GET TYX MX FEGO SR XLI SMP JMPPIV RIGO ERH XMKLXIR MX

;SVOMRK L]HVEYPMGW
'LIGOMRK SMP PIZIP MR XLI 1EOI WYVI XLEX
L]HVEYPMG XERO i XLI QEGLMRI MW GSPH
i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI IRKMRIGSQTEVXQIRX LSSH MW STIR

4VSGIHYVI JSV GLIGOMRK XLI L]HVEYPMG SMP PIZIP


8LI VIH QEVOMRK p3-0 0):)0  QE\r  WLS[W XLI GSVVIGX SMP PIZIP
d 'LIGO XLI SMP PIZIP EX XLI WMKLX KPEWW
d -J XLI SMP PIZIP MW FIPS[ XLI VIUYMVIH PIZIP
8ST YT [MXL L]HVEYPMG SMP

4VSGIHYVI JSV XSTTMRK YT [MXL L]HVEYPMG SMP


d 6IPIEWI XERO TVITVIWWYVI WGVI[ SYX XLI FVIEXLIV JMPXIV  SR XLI L]
HVEYPMG XERO
8LI L]HVEYPMG SMP QE] SRP] FI TSYVIH MR XLVSYKL XLI VIXYVR WXVEMRIV
d 3TIR XLI GSZIV  SJ XLI VIXYVR WXVEMRIV
d *MPP [MXL L]HVEYPMG SMP YT XS XLI SMP PIZIP QEVOMRK 
d 4YX XLI GSZIV [MXL TVIWWYVI WTVMRK SR XLI LSYWMRK ERH XMKLXIR MX YT
d 8MKLXIR XLI FVIEXLIV JMPXIV

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

7XIIVMRK W]WXIQ
'LIGOMRK XLI WXIIVMRK JSV d 7XEVX XLI HMIWIP IRKMRI
TVSTIV JYRGXMSRMRK
d 8YVR WXIIVMRK MR FSXL HMVIGXMSRW ERH GLIGO XLEX MX MW JYRGXMSRMRK TVST
IVP]

&VEOMRK W]WXIQ
'LIGOMRK XLI SMP PIZIP MR XLI 1EOI WYVI XLEX XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
IUYEPM^MRK VIWIVZSMV

'EYXMSR -R SVHIV XS EZSMH HEQEKI XS XLI FVEOMRK W]WXIQ SRP] YWI WYMXEFPI IRKMRI
SMP QMRIVEP SMP 
 1EOI WYVI XLEX SRP] WYMXEFPI SMPW EVI YWIH [LIR VIJMPPMRK WII MR 7IGXMSR
q0YFVMGERXW ERH STIVEXMRK QEXIVMEPWr 

d 3TIR IRKMRI GSQTEVXQIRX LSSH ERH WIGYVI MR STIR TSWMXMSR


d 'LIGO XLI SMP PIZIP MR XLI IUYEPM^MRK VIWIVZSMV 
d 8LI SMP PIZIP QYWX PMI FIX[IIR XLI QMRMQYQ ERH QE\MQYQ QEVOMRKW
d -J XLI SMP PIZIP MW EX SV FIPS[ XLI QMRMQYQ QEVOMRK VIQSZI GSZIV  ERH
XST YT EW VIUYMVIH [MXL SMP
d 7GVI[ STIR XLI GSZIV  SJ XLI IUYEPM^MRK VIWIZSMV
'LIGOMRK XLEX XLI WIVZMGI FVEOI 1SZI QEGLMRI MRXS STIVEXMRK TSWMXMSR
MW JYRGXMSRMRK TVSTIVP]

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

4IHEP % WIVZMGI FVEOI

d 7XEVX XLI HMIWIP IRKMRI


d /IIT XLI MRGL  FVEOI TIHEP % TYWLIH HS[R EW JEV EW MX [MPP KS
d 6IPIEWI XLI TEVOMRK FVEOI

'EYXMSR 6MWO SJ EGGMHIRXW HYI XS QEGLMRI QSZMRK SJJ


8LI QEGLMRI GER QSZI SJJ HYVMRK XIWXMRK TVSGIHYVI
 'EVV] SYX XLI XIWX TVSGIHYVI [MXL XLI ETTVSTVMEXI HIKVII SJ GEYXMSR

d 7IPIGX JSV[EVH HVMZI ERH FVMRK XLI HMIWIP IRKMRI WTIIH XS JYPP KEW
8LI QEGLMRI QYWX RSX QSZI SJJ
'LIGOMRK XLEX XLI TEVOMRK FVEOI 1SZI QEGLMRI MRXS STIVEXMRK TSWMXMSR
MW JYRGXMSRMRK TVSTIVP]

PIZIV i TEVOMRK FVEOI

'EYXMSR 8LI QEGLMRI WXSTW EFVYTXP] [LIR XLI TEVOMRK FVEOI MW IRKEKIH HYVMRK
QSXMSR
 *EWXIR WEJIX] FIPX

d 1SZI QEGLMRI JSV[EVH EX ETTVS\  OQL ERH EGXMZEXI XLI TEVOMRK


FVEOI [MXL XLI TEVOMRK FVEOI PIZIV 
8LI QEGLMRI QYWX GSQI XS ER EFVYTX WXST

)PIGXVMGEP W]WXIQ
'LIGOMRK MRHMGEXSV PEQTW ERH *SV XLI PE]SYX SJ XLI MPPYQMREXMRK GSQTSRIRXW ERH W]QFSP JMIPHW SR XLI
PMKLXMRK HMWTPE] YRMX VIJIV XS XLI WIGXMSR q3TIVEXMSRr MR XLI GLETXIV q3TIVEXMSR
LERHPMRKr MR XLI q3TIVEXSV W QERYEPr
4VSGIHYVI
d 7XEVX XLI HMIWIP IRKMRI ERH GLIGO XLEX XLI MPPYQMREXMRK GSQTSRIRXW ERH
W]QFSP JMIPHW PMKLX YT

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

 1EMRXIRERGI XEWOW [IIOP] IZIV]  WIVZMGI LSYVW


(EMP] QEMRXIRERGI QYWX FI GSQTPIXIH FIJSVI FIKMRRMRK [IIOP] QEMR
XIRERGI XEWOW
7II XLI q1EMRXIRERGI NSFW HEMP] IZIV]  STIVEXMRK LSYVWr WIGXMSR 
-R XLI q3TIVEXSV W QERYEPr XLI qSRISJJ NSFWr EVI EPWS HIWGVMFIH MR XLMW
WIGXMSR
3R GSQTPIXMSR SJ [IIOP] WIVZMGMRK SV SRISJJ WIVZMGMRK XLI QEGLMRI WLSYPH
FI QSZIH FEGO MRXS XLI STIVEXMRK TSWMXMSR
7II EPWS XLI q3TIVEXMSRr q3TIVEXMRK TSWMXMSRr WIGXMSR MR XLI q3TIVEXSV W
QERYEPr

(MIWIP IRKMRI
'LERKMRK XLI IRKMRI SMP 1EOI WYVI XLEX
i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI IRKMRI MW PIZIP
i XLI IRKMRI MW WLYX HS[R
i XLI IRKMRI MW [EVQ
i XLI FEXXIV] QEMR W[MXGL MW W[MXGLIH SJJ ERH XLI QEMR W[MXGLOI] MW
XEOIR SYX
i E WYMXEFPI GSRXEMRIV MW MR TPEGI [MXL ETTVS\  P GETEGMX] ERH XLI SMP
HVEMRMRK LSWI ERH IRKMRI SMP MR EGGSVHERGI [MXL XLI SMP WTIGMJMGEXMSRW
EVI VIEH]
4VSGIHYVI

(VEMRMRK ZEPZI [MXL HVEMRMRK LSWI

d 9RWGVI[ XLI WIEPMRK GSZIV SR XLI SMP HVEMRMRK ZEPZI SR XLI FSXXSQ SJ
XLI SMP TER
d 7GVI[ XLI SMP HVEMRMRK LSWI SRXS XLI SMP HVEMRMRK ZEPZI
d 0IX XLI SMP HVEMR SJJ MRXS XLI [EMXMRK GSRXEMRIV
d 9RWGVI[ XLI SMP HVEMRMRK LSWI ERH WGVI[ XLI WIEPMRK GSZIV SRXS XLI SMP
HVEMRMRK ZEPZI

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

(MIWIP IRKMRI  SMP JMPPIV RIGO

d *MPP XLI SMP XLVSYKL XLI SMP JMPPIV RIGO XS FIX[IIR XLI 1-2 ERH 1%< QEVO
MRK SR XLI HMTWXMGO 
d 'PIER XLI JMPPMRK GSZIV TYX MX FEGO SR XLI SMP JMPPIV RIGO ERH XMKLXIR MX
d 7XEVX XLI IRKMRI ERH GLIGO XLI SMP TVIWWYVI
d 7LYX HS[R XLI IRKMRI ERH GLIGO XLI SMP PIZIP [MXL XLI HMTWXMGO EJXIV  
 QMRYXIW

8VSYFPIWLSSXMRK
-W XLI SMP PIZIP RSX FIX[IIR XLI 1-2  1%< QEVOMRK#
d 'SVVIGX XLI SMP PIZIP

6ITPEGMRK XLI SMP JMPXIVW 3RP] YWI SVMKMREP 0-)&,)66 SMP JMPXIV GEVXVMHKIW  MXIQ 
1EOI WYVI XLEX
i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI IRKMRIGSQTEVXQIRX LSSH MW STIR
4VSGIHYVI

3MP JMPXIVW

d 6IPIEWI XLI SMP JMPXIV GEVXVMHKI  [MXL E WXVET [VIRGL ERH YRWGVI[ XLI
JMPXIV
d 'PIER XLI WIEPW SR XLI JMPXIV FVEGOIX
8LI SPH JMPXIV WIEP ERH MXW VIWMHYIW QYWX FI VIQSZIH
d &VYWL XLI VYFFIV KEWOIX SR XLI RI[ SMP JMPXIV GEVXVMHKI PMKLXP] [MXL
IRKMRI SMP

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

d 6IJMPP RI[ SMP JMPXIV GEVXVMHKI [MXL JVIWL SMP


d 7GVI[ RI[ SMP JMPXIV GEVXVMHKI SRXS XLI JMPXIV FVEGOIX YRXMP XLI WIEP
GSRXEGXW XLI JMPXIV FVEGOIX 8MKLXIR F] ERSXLIV LEPJ XS XLVIIUYEVXIV
VSXEXMSR
d 7XEVX XLI IRKMRI
d 'LIGO XLI SMP TVIWWYVI IRKMRI SMP TVIWWYVI MRHMGEXSV YRMX ERH XLI SMP
JMPXIV JSV PIEOW
d 7LYX HS[R XLI IRKMRI
d 'LIGO XLI SMP PIZIP [MXL XLI HMTWXMGO EJXIV    QMRYXIW
8VSYFPIWLSSXMRK
-W XLI SMP PIZIP RSX FIX[IIR XLI 1-2  1%< QEVOMRK#
d 'SVVIGX XLI SMP PIZIP

6ITPEGMRK JYIP JMPXIV 3RP] YWI SVMKMREP 0-)&,)66 SMP JMPXIV GEVXVMHKIW  MXIQ 
1EOI WYVI XLEX
i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI IRKMRIGSQTEVXQIRX LSSH MW STIR
4VSGIHYVI

*YIP JMPXIV

d 6IPIEWI XLI SMP JMPXIV GEVXVMHKI [MXL E WXVET [VIRGL ERH YRWGVI[ XLI
JMPXIV
d 'SPPIGX IWGETMRK JYIP
d 'PIER XLI WIEPW SR XLI JMPXIV FVEGOIX SJ ER] HMVX
d 7QIEV XLI VYFFIV WIEP VMRK SR XLI RI[ JYIP JMPXIV GEVXVMHKI PMKLXP] [MXL
SMP SV HMIWIP JYIP
d 7GVI[ RI[ JYIP JMPXIV GEVXVMHKI SRXS XLI JMPXIV FVEGOIX YRXMP XLI WIEP
GSRXEGXW XLI JMPXIV FVEGOIX 8MKLXIR F] ERSXLIV LEPJ XS XLVIIUYEVXIV
VSXEXMSR
d 'LIGO XLEX MX MW WIEPIH TVSTIVP]

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

(VEMRMRK SJJ GSRHIRWEXI JVSQ 1EOI WYVI XLEX


XLI JYIP JMPXIV i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI IRKMRIGSQTEVXQIRX LSSH MW STIR
4VSGIHYVI
d 3TIR XLI HVEMR TPYK  ERH PIX XLI GSRHIRWEXI HVEMR SJJ MRXS E WYMXEFPI
VIGITXEGPI YRXMP GPIER JYIP WXEVXW XS JPS[
d 'PSWI XLI HVEMR TPYK  EKEMR

;SVOMRK L]HVEYPMGW
'LIGOMRK ERH GPIERMRK XLI 1EOI WYVI XLEX
QEKRIXMG VSH SR XLI L]HVEYPMG i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
XERO i XLI IRKMRIGSQTEVXQIRX LSSH MW STIR

'LIGOMRK XLI QEKRIXMG VSH SR XLI L]HVEYPMG XERO


4VSGIHYVI
d 6IPIEWI XERO TVITVIWWYVI YRWGVI[ XLI FVIEXLIV JMPXIV  SR XLI L]HVEY
PMG XERO F] X[S VIZSPYXMSRW
d 6IPIEWI XLI FSPXW SR XLI PMH ERH WPS[P] PMJX XLI PMH [MXL XLI QEKRIXMG VSH


8VSYFPIWLSSXMRK
,IEZ] WSMPMRK SV PEVKIV QIXEP JVEKQIRXW SR XLI QEKRIXMG VSH GSYPH MRHMGEXI
HEQEKI MR XLI L]HVEYPMG W]WXIQ

d -R XLMW GEWI MWSPEXI ERH VIGXMJ] XLI JEYPX MR XLI L]HVEYPMG W]WXIQ

d 'PIER QEKRIXMG VSH GEVIJYPP]


d 4PEGI XLI 3VMRK ERH GSZIV [MXL QEKRIXMG VSH SR XLI LSYWMRK
d 8MKLXIR XLI FSPXW SR XLI GSZIV
d 8MKLXIR XLI FVIEXLIV JMPXIV 

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

7XIIVMRK W]WXIQ
0YFVMGEXMRK XLI FIEVMRK TSMRXW 1EOI WYVI XLEX XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
SR XLI WXIIVMRK G]PMRHIVW
d 8YVR XLI QEGLMRI XS XLI VMKLX XS MQTVSZI EGGIWW XS XLI EVXMGYPEXIH NSMRX
^SRI
d 0YFVMGEXI XLI FIEVMRK TSMRXW SR XLI WXIIVMRK G]PMRHIV

%\PIW 8]VIW
'LIGOMRK XLI [LIIP PYK JM\MRKW 1EOI WYVI XLEX
i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i ERH XLEX E XSVUYI [VIRGL [MXL E QIEWYVMRK VERKI SJ  2Q MW
EZEMPEFPI
4VSGIHYVI
2SXI 8LI SRISJJ QEMRXIRERGI XEWOW WGLIHYPIH JSV   ERH 
WIVZMGI LSYVW WLSYPH EPWS FI TIVJSVQIH IZIV] XMQI XLI [LIIPW EVI
GLERKIH
d 'LIGO XLEX XLI RYXW SR EPP JSYV [LIIPW LEZI XLI VIUYMVIH XMKLXIRMRK
QSQIRX SJ  2Q

+VIEWMRK XLI PYFVMGEXMSR TSMRXW 1EOI WYVI XLEX XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
SR XLI E\PI TMZSX WXIIVMRK SR XLI
VIEV E\PI
4VSGIHYVI
8LI PYFVMGEXMSR TSMRX SR XLI WXIIVMRK WLEJX SJ XLI [LIIP LYF GERRSX FI
EGGIWWIH YRXMP MX MW XYVRIH PIJX SV VMKLX -R EHHMXMSR XLI QEGLMRI QYWX FI
QSZIH MRXS WYGL E TSWMXMSR XLEX XLI PYFVMGEXMRK RMTTPI GER FI EGGIWWIH
d 8YVR XLI QEGLMRI XS XLI PIJX ERH VMKLX WS XLEX XLI VIWTIGXMZI PYFVMGEXMSR
TSMRXW GER FI EGGIWWIH
d +VIEWI XLI PYFVMGEXMSR TSMRXW SR XLI E\PI TMZSX FIEVMRK EX FSXL [LIIP
LYFW

0YFVMGEXMRK XLI HVMZI WLEJX 1EOI WYVI XLEX XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
4VSGIHYVI

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

d 1SZI XLI QEGLMRI MRXS XLI TSWMXMSR [LIVI XLI PYFVMGEXMRK RMTTPIW SR XLI
KIEV WLEJX TSMRX LSVM^SRXEPP] HS[R[EVHW
d 8YVR XLI QEGLMRI WS XLEX MX MW WXVEMKLX
d 0YFVMGEXI XLI  PYFVMGEXMSR TSMRXW SR XLI KIEV WLEJX

:ILMGPI JVEQI &EPPEWX [IMKLX


0YFVMGEXMRK SWGMPPEXMRK E\PI 1EOI WYVI XLEX
JVEQI ERH EVXMGYPEXMSR FIEVMRK i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI EVXMGYPEXMSR PSGO MW IRKEKIH

0YFVMGEXMSR TSMRXW SR XLI VMKLXLERH WMHI SJ XLI GIRXVEP PYFVMGEXMSR VEMP

 PYFVMGEXMSR TSMRX  JVSRX TIR  PYFVMGEXMSR TSMRX  VIEV SWGMPPEX


HYPYQ FIEVMRK MRK E\PI QSYRX

d 0YFVMGEXMRK JVSRX SWGMPPEXMRK FIEVMRK KVIEWI PYFVMGEXMSR TSMRX SR XLI


GIRXVEP PYFVMGEXMSR VEMP
d 0YFVMGEXI VIEV SWGMPPEXMRK E\PI QSYRX KVIEWI PYFVMGEXMSR TSMRX SR XLI
GIRXVEP PYFVMGEXMSR VEMP

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

%VXMGYPEXMSR FIEVMRK PYFVMGEXMSR TSMRXW


 PYFVMGEXMSR TSMRX  EVXMGYPEXMSR  PYFVMGEXMSR TSMRX  EVXMGYPEXMSR
FIEVMRK EX XST FIEVMRK EX FSXXSQ

d 0YFVMGEXI YTTIV EVXMGYPEXMSR FIEVMRK PYFVMGEXI PYFVMGEXMSR TSMRX  SR XLI


EVXMGYPEXMSR FIEVMRKW
d 0YFVMGEXMRK PS[IV EVXMGYPEXMSR FIEVMRK PYFVMGEXI PYFVMGEXMSR TSMRX  SR
XLI EVXMGYPEXMSR FIEVMRKW

0MJX EVQ 5YMGOGLERKI HIZMGI


0YFVMGEXMRK FIEVMRKW ERH 1EOI WYVI XLEX XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
PYFVMGEXMSR TSMRXW
=SY [MPP JMRH HIXEMPW SR XLMW MR XLI WIGXMSR q1EMRXIRERGI TSWMXMSRWr

1EMRXIRERGI TSWMXMSR  PMJX EVQ


-J XLI PYFVMGEXMSR TSMRXW RIEV XLI FYGOIX GSYTPMRKW EVI HMJJMGYPX XS VIEGL
QEOI WYVI XLEX XLI [SVOMRK EXXEGLQIRX MW HIGSYTPIH
8LMW SRP] ETTPMIW XS QEGLMRIW [MXL STXMSREP EXXEGLQIRXW
=SY GER JMRH QSVI HIXEMPW MR XLI GLETXIV q(IGSYTPMRK XLI [SVOMRK EXXEGL
QIRXWr

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

0YFVMGEXMRK XLI PMJX EVQ ERH PMJX G]PMRHIVW

0YFVMGEXMSR TSMRXW  PMJX EVQW ERH PMJX G]PMRHIVW


 PYFVMGEXMSR TSMRX  XST SJ PMJX EVQ  PYFVMGEXMSR TSMRX  JVSRX PMJX
 PYFVMGEXMSR TSMRX  VIEV PMJX G]P G]PMRHIV
MRHIV  PYFVMGEXMSR TSMRX  FSXXSQ PMJX
EVQW

d 0YFVMGEXI XLI FIEVMRK EX XLI XST SJ XLI PMJX EVQ KVIEWI XLI PIJXLERH
PYFVMGEXMSR TSMRX  ERH XLI VMKLXLERH PYFVMGEXMSR TSMRX 
d +VIEWI XLI X[S PYFVMGEXMSR TSMRXW   SR XLI PIJXLERH PMJX G]PMRHIV
d +VIEWI XLI X[S PYFVMGEXMSR TSMRXW   SR XLI VMKLXLERH PMJX G]PMRHIV
d 0YFVMGEXI XLI X[S PYFVMGEXMSR TSMRXW SR XLI PS[IV PMJX  EVQW

0YFVMGEXMSR TSMRXW  PMJX EVQW ERH PMJX G]PMRHIVW


 PYFVMGEXMSR TSMRX  XST SJ PMJX EVQ  PYFVMGEXMSR TSMRX  JVSRX PMJX G]P
 PYFVMGEXMSR TSMRX  VIEV PMJX G]P MRHIV
MRHIV  PYFVMGEXMSR TSMRX  FSXXSQ PMJX
EVQW

d 0YFVMGEXI XLI FIEVMRK EX XLI XST SJ XLI PMJX EVQ KVIEWI XLI PIJXLERH
PYFVMGEXMSR TSMRX  ERH XLI VMKLXLERH PYFVMGEXMSR TSMRX 
d +VIEWI XLI X[S PYFVMGEXMSR TSMRXW   SR XLI PIJXLERH PMJX G]PMRHIV
d +VIEWI XLI X[S PYFVMGEXMSR TSMRXW   SR XLI VMKLXLERH PMJX G]PMRHIV
d 0YFVMGEXI XLI X[S PYFVMGEXMSR TSMRXW SR XLI PS[IV PMJX  EVQW

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

0YFVMGEXMRK XLI XMPX G]PMRHIV >FEV PMROEKI ERH GSRRIGXMRK


FEV

0YFVMGEXMSR TSMRXW  XMPX G]PMRHIV ^FEV PMROEKI ERH GSRRIGXMRK FEV


 PYFVMGEXMSR TSMRX i VIEV XMPX G]P  PYFVMGEXMSR TSMRX i >FEV
MRHIV PMROEKI
 PYFVMGEXMSR TSMRX i JVSRX XMPX G]P  PYFVMGEXMSR TSMRX  GSRRIGXMRK
MRHIV FEV

d 0YFVMGEXI XLI FIEVMRK SR XLI XMPX G]PMRHIV KVIEWI XLI FEGO PYFVMEGXMSR
TSMRX  ERH XLI JVSRX PYFVMGEXMSR TSMRX 
d +VIEWI E PYFVMGEXMSR TSMRX  SR XLI >FEV PMROEKI
d +VIEWI XLVII PYFVMGEXMSR TSMRXW  SR XLI GSRRIGXMRK FEV

0YFVMGEXMSR TSMRXW  XMPX G]PMRHIV ^FEV PMROEKI ERH GSRRIGXMRK FEV


 PYFVMGEXMSR TSMRX  VIEV XMPX G]P  PYFVMGEXMSR TSMRX  JVSRX XMPX G]P
MRHIV MRHIV
  PYFVMGEXMSR TSMRX  GSRRIGXMRK  PYFVMGEXMSR TSMRX i >FEV PMRO
FEV EKI

d 0YFVMGEXI XLI FIEVMRKW SR XLI XMPX G]PMRHIVW KVIEWI XLI FEGO PYFVMEGXMSR
TSMRX  ERH XLI JVSRX PYFVMGEXMSR TSMRX 
d +VIEWI XLVII PYFVMGEXMSR TSMRXW   SR XLI GSRRIGXMRK FEV
d +VIEWI E PYFVMGEXMSR TSMRX  SR XLI >FEV PMROEKI

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

 9RWGLIHYPIH QEMRXIRERGI XEWOW


3R GSQTPIXMSR SJ WIVZMGMRK XLI QEGLMRI WLSYPH FI QSZIH FEGO MRXS XLI
STIVEXMRK TSWMXMSR
7II EPWS XLI q3TIVEXMSRr q3TIVEXMRK TSWMXMSRr WIGXMSR MR XLI q3TIVEXSV W
QERYEPr

'SQTPIXI QEGLMRI
'LIGOMRK XLEX EPP WGVI[IH 1EOI WYVI XLEX
GSRRIGXMSRW EVI XMKLX i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI ETTVSTVMEXI WIVZMGI HSSVW SV LSSHW EVI STIR
4VSGIHYVI
d 8MKLXIR ER] PSSWI WGVI[W SV FSPXW [MXL XLI VIUYMVIH XMKLXIRMRK XSVUYI
7IEPMRK ER] I\XIVREP PIEOW EW 1EOI WYVI XLEX
RIGIWWEV] i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI ETTVSTVMEXI WIVZMGI HSSVW SV LSSHW EVI STIR
4VSGIHYVI
d 'LIGO XLI [LSPI L]HVEYPMG W]WXIQ JSV PIEOEKI
d 6ITPEGI ER] HEQEKIH L]HVEYPMG WIEPW
d 8MKLXIR ER] PSSWI L]HVEYPMG GSYTPMRKW
d %PWS WII XLI 7IGXMSR q7EJI QEMRXIRERGI SJ L]HVEYPMG LSWIW ERH LSWI
PMRIWr

(MIWIP IRKMRI
'PIER HYWX I\XVEGXMSR ZEPZI SJ -QTSVXERX E HEQEKIH SV LEVHIRIH HYWX I\XVEGXMSR ZEPYI VIRHIVW XLI
XLI EMV JMPXIV WIVZMGI GSZIV MRIJJIGXMZI [LMGL MR XYVR VIHYGIW XLI WIVZMGI PMJI SJ XLI JMPXIV
IPIQIRXW 8LI ZEPZI QYWX EPWS FI GPSWIH [LIRIZIV HMIWIP IRKMRI WTIIH
I\GIIHW  SJ XLI QE\ WTIIH

1EOI WYVI XLEX


i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI QEMR FEXXIV] W[MXGL MW XYVRIH SJJ
i XLI IRKMRI GSQTEVXQIRX i LSSH MW STIR
4VSGIHYVI
d 4VIWW XLI VYFFIV PMT SR XLI HYWX I\XVEGXMSR ZEPZI  WIZIVEP XMQIW XS
HVEMR XLI EMV GPIERIV GSZIV
d ;LIR [SVOMRK MR HYWX] GSRHMXMSRW IQTX] XLI HYWX I\XVEGXMSR ZEPZI
QSVI SJXIR

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

8VSYFPIWLSSXMRK
-W XLI HYWX I\XVEGXMSR ZEPZI HEQEKIH SV HSIW MX WXE] STIR#
d 6ITPEGI XLI HYWX I\XVEGXMSR ZEPZI 

'PIERMRK SV VITPEGMRK XLI EMV 8LI QEMR IPIQIRX WLSYPH FI GPIERIH SV VITPEGIH [LIR XLI W]QFSP JMIPH i
JMPXIV QEMR IPIQIRX EMV JMPXIV GSRXEQMREXMSR SR XLI MRHMGEXSV YRMX PMKLXW YT SV IZIV] 
STIVEXMRK LSYVW
-J XLI W]QFSP JMIPH i EMV JMPXIV GSRXEQMREXMSR GSRXMRYIW XS PMKLX EJXIV XLI QEMR
IPIQIRX LEW FIIR WIVZMGIH XLIR XLI WEJIX] IPIQIRX QYWX EPWS FI VITPEGIH
1EOI WYVI XLEX
i XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
i XLI QEMR FEXXIV] W[MXGL MW XYVRIH SJJ
i XLI IRKMRIGSQTEVXQIRX LSSH MW STIR
4VSGIHYVI

d 3TIR JM\MRK GPMTW  SR XLI EMV GPIERIV GSZIV  ERH XEOI XLI PMH SJJ
d 6IQSZI GPIER SV VITPEGI XLI QEMR JMPXIV IPIQIRX 

d &PS[ SYX XLI QEMR JMPXIV IPIQIRX JVSQ XLI MRWMHI SYX [MXL HV] EMV %ZSMH
XETTMRK XLI JMPXIV EW XLMW GSYPH GEYWI HEQEKI

d 8LI WEJIX] IPIQIRX  WLSYPH FI VITPEGIH IZIV] XLMVH XMQI XLI QEMR JMPXIV
IPIQIRX MW VITPEGIH
d )RWYVI XLEX EPP WSMPMRK MW VIQSZIH JVSQ XLI LSYWMRK FIJSVI MRWIVXMRK E
RI[ SV GPIERIH JMPXIV IPIQIRX

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

d &IJSVI MRWXEPPMRK XLI JMPXIV IPIQIRXW PMKLXP] SMP XLI WIEP WYVJEGIW MRRIV
WYVJEGI SJ XLI QEMR JMPXIV IPIQIRX ERH SYXIV WYVJEGI SJ XLI WEJIX]
IPIQIRX  6IMRWIVX JMPXIV IPIQIRXW ERH QEOI WYVI XLEX XLI] EVI
GSVVIGXP] JMXXIH
d 'PIER XLI EMV GPIERIV GSZIV ERH TYX MX FEGO SR XLI JMPXIV LSYWMRK 8LI
JM\MRK GPMTW GER SRP] FI GPSWIH [MXLSYX QENSV JSVGI FIMRK VIUYMVIH
[LIR XLI JYPP GMVGYQJIVERGI SJ XLI GSZIV MW SR XLI JMPXIV LSYWMRK
d 'PSWI XLI JM\MRK GPMTW 

%\PIW 8]VIW
'LIGOMRK ERH MJ RIGIWWEV] 1EOI WYVI XLEX XLI EMV TVIWWYVI MR XLI X]VIW SR FSXL E\PIW GSVVIWTSRHW XS
EHNYWXMRK X]VI TVIWWYVI SR XLI VIUYMVIH ZEPYIW JSV XLI X]VI X]TI XLI EGXYEP ETTPMGEXMSR ERH XLI
EXXEGLQIRXW ERH EGGIWWSVMIW [SVOMRK EXXEGLQIRX
8LI VIJIVIRGI ZEPYIW GER FI JSYRH MR XLI 7IGXMSR q8IGLRMGEP HEXEr MR XLI
q3TIVEXSV W QERYEPr
4VSGIHYVI
8LI EMV TVIWWYVI MR XLI X]VIW LEW E WMKRMJMGERX MRJPYIRGI SR XLI SZIVEPP
STIVEXMRK TIVJSVQERGI SJ XLI QEGLMRI

)\TPSHMRK X]VIW

;EVRMRK 6MWO SJ EGGMHIRXW HYI XS I\TPSHMRK X]VIW


-RGSVVIGX SV GEVIPIWW STIVEXMSR SJ XLI X]VI MRJPEXMSR IUYMTQIRX SV I\GIWW
TVIWWYVI GSYPH VIWYPX MR XLI X]VIW FYVWXMRK SV GEYWI XLI VMQW XS GSQI SJJ
[MXL WIZIVI TSWWMFP] IZIR JEXEP MRNYVMIW EW E GSRWIUYIRGI
 9WI E WYJJMGMIRXP] PSRK LSWI JSV TYQTMRK XLI X]VIW [MXL E WIPJPSGOMRK
EHETXIV
 4IVWSRRIP QYWX EP[E]W VIQEMR SYXWMHI XLI HERKIV ^SRI [LIR X]VIW EVI
FIMRK TYQTIH YT

d 'LIGO XLI EMV TVIWWYVI MR EPP X]VIW [MXL E QIEWYVMRK KEYKI ERH EHNYWX
MJ RIGIWWEV]

'SZIVMRK 'EF EGGIWW


0YFVMGEXMRK LMRKW SR XLI LSSH d 0YFVMGEXI LMRKIW SR XLI LSSH SJ XLI IRKMRI GSQTEVXQIRX [MXL E KVIEWI
SJ XLI IRKMRI GSQTEVXQIRX KYR

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

'EF EMVGSRHMXMSRMRK
'PIER SV VITPEGI XLI JVIWL EMV 8LI GEF JVIWL EMV JMPXIV GER FI EGGIWWIH JVSQ XLI FILMRH XLI HVMZIV W WIEX 
JMPXIV
1EOI WYVI XLEX XLI QEGLMRI MW MR QEMRXIRERGI TSWMXMSR 
4VSGIHYVI

d 6IQSZI WGVI[W  ERH VIQSZI GSZIV 


d 8EOI SYX JMPXIV 
d 'PIER XLI JMPXIVW  FPS[ XLIQ SYX  VITPEGI MJ RIGIWWEV]
d 6IMRWIVX GPIERIH SV RI[ JMPXIVW
d 6ITPEGI GSZIV  ERH XMKLXIR XLI WGVI[W 
0YFVMGEXMRK XLI HSSV LMRKIW d 0YFVMGEXI XLI HSSV LMRKIW [MXL E KVIEWI KYR

 'PIERMRK XLI QEGLMRI


;IXGPIERMRK XLI QEGLMRI

'PIERMRK XLI QEGLMRI


3MP TVIWWYVI W[MXGLIW EVI RSX [EXIVXMKLX HYI XS XLI RIGIWWMX] SJ HMETLVEKQ
ZIRXMPEXMSR XLIVIJSVI FI GEVIJYP [LIR WTVE]MRK [MXL E LMKL TVIWWYVI WTVE]
)EGL XMQI XLI QEGLMRI MW GPIERIH [MXL E WXIEQ NIX EPP PYFVMGEXMSR TSMRXW SR
XLI QEGLMRI WLSYPH FI VIKVIEWIH

;IX GPIERMRK

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
1EMRXIRERGI XEWOW

'EYXMSR 6MWO SJ HEQEKI XS JVIWLP] TEMRXIH WYVJEGIW


;MXL LMKL TVIWWYVI GPIERMRK ?QSVI XLER  O4E  FEV JVIWLP]
TEMRXIH WYVJEGIW GER FI HEQEKIH
 %JXIV XLI QEGLMRI LEW FIIR HIPMZIVIH XLI TEMRX WLSYPH HV] JSV EX PIEWX 
HE]W MR XLI EMV FIJSVI XLI QEGLMRI SV TEVXW XLIVISJ EVI GPIERIH [MXL E
LMKL TVIWWYVI GPIERIV
 9RXMP XLMW  HE] TIVMSH LEW IPETWIH SRP] YWI E PS[ TVIWWYVI GPIERIV JSV
[EWLMRK

d ;IX GPIER XLI QEGLMRI


d 6IKVIEWI EPP PYFVMGEXMSR TSMRXW SR XLI QEGLMRI

'PIERMRK XLI HMIWIP IRKMRI


;LIR XLI IRKMRI MW FIMRK GPIERIH [MXL [EXIV SV WXIEQ IPIGXVMGEP XVERW
HYGIVW WYGL EW SMP TVIWWYVI W[MXGLIW JSV I\EQTPI QYWX RSX FI I\TSWIH XS
HMVIGX NIXW

'EYXMSR 6MWO SJ HEQEKI XS XLI HMIWIP IRKMRI


4IRIXVEXMRK QSMWXYVI VIWYPXW MR GSVVSWMSR SJ GSRXEGXW ERH MR SYXEKI SJ
QIEWYVMRK JYRGXMSRW
 (S RSX I\TSWI IPIGXVMGEP XVERWHYGIVW WYGL EW SMP TVIWWYVI W[MXGLIW XS
HMVIGX [EXIV SV WXIEQ NIXW

d 'PIER XLI IRKMRI GEVIJYPP]

 'SVVSWMSR TVSXIGXMSR [SVO


;LIR XLI QEGLMRI MW HIGSQQMWWMSRIH JSV QSVI XLER  [IIOW ERH IWTI
GMEPP] JSV WIE XVERWTSVX XLI JSPPS[MRK QIEWYVIW QYWX FI GEVVMIH SYX

4VSXIGXMRK XLI TMWXSR VSHW JVSQ GSVVSWMSR


0-)&,)66 GSVVSWMSR TVSXIGXMSR KVIEWI '8/ MHIRX 2S   MW
VIGSQQIRHIH

 PMJX G]PMRHIV  WXIIVMRK G]PMRHIV


 XMPX G]PMRHIV

d ;LIR XLI QEGLMRI MW W[MXGLIH SJJ EPP TMWXSR VSHW WLSYPH FI VIXVEGXIH
EW JEV EW TSWWMFPI MRXS XLI G]PMRHIVW
d 'SEX I\TSWIH TEVXW SJ TMWXSR VSHW XLMGOP] [MXL RSREGMHMG GSVVSWMSR
TVSXIGXMSR KVIEWI

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
1EMRXIRERGI XEWOW

d -J XLI G]PMRHIV TMWXSR VSHW [MPP RSX FI [IXXIH [MXL L]HVEYPMG SMP JSV E
TVSPSRKIH XMQI TIVMSH
XLI TMWXSR VSHW QYWX FI GSEXIH [MXL GSVVSWMSR TVSXIGXMSR KVIEWI
;LIR XLI QEGLMRI MW QSZIH JSV PSEHMRK SV XVERWTSVX XLI GSVVSWMSR TVSXIG
XMSR PE]IV SR XLI G]PMRHIV TMWXSR VSHW MW VIQSZIH F] XLI HMVX WGVETIV
d ;LIR XLI QEGLMRI MW XS FI XVERWTSVXIH
8LI GSVVSWMSR TVSXIGXMSR SR XLI TMWXSR VSHW WLSYPH FI GLIGOIH EJXIV
PSEHMRK

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
0YFVMGERXW ERH JYIPW

 0YFVMGERXW ERH JYIPW

 ,ERHPMRK PYFVMGERXW ERH JYIPW


'SRWGMIRXMSYW SFWIVZERGI SJ XLI VIKYPEXMSRW JSV LERHPMRK PYFVMGERXW ERH
JYIPW [MPP MRGVIEWI XLI VIPMEFMPMX] ERH WIVZMGI PMJI SJ XLI QEGLMRI
-X MW IWTIGMEPP] MQTSVXERX XLEX XLI WTIGMJMIH PYFVMGERX UYEPMXMIW EVI SFWIVZIH
=SY GER JMRH XLI ZEVMSYW WTIGMJMGEXMSRW EFSYX XLI TVIWGVMFIH MRXIVZEPW MR
XLI WIGXMSRW q1EMRXIRERGI ERH MRWTIGXMSR WGLIHYPIr ERH q0YFVMGEXMSR
GLEVXr
=SY GER JMRH HIXEMPW SR PYFVMGEXMSR PIZIP GLIGOMRK ERH GLERKMRK STIVEXMRK
JPYMHW MR XLI WIGXMSR q1EMRXIRERGIr YRHIV q1EMRXIRERGI XEWOWr
3FWIVZI XLI VYPIW JSV XLI TVSTIV LERHPMRK SJ PYFVMGERXW ERH JYIPW IWTI
GMEPP] XLI IRZMVSRQIRXEP VIUYMVIQIRXW

)RZMVSRQIRXEP TVSXIGXMSR QIEWYVIW


d %P[E]W MQTPIQIRX ERH SFWIVZI IRZMVSRQIRXEP TVSXIGXMSR QIEWYVIW
d 3FWIVZI REXMSREP VIKYPEXMSRW
d )RWYVI XLEX PMUYMHW GER FI TVSTIVP] HMWTSWIH SJ FIJSVI HVEMRMRK XLIQ
SJJ

(MWTSWMRK SJ YWIH QEXIVMEPW


8LMW ETTPMIW XS XLI JSPPS[MRK X]TIW SJ YWIH QEXIVMEPW
i SMPW PYFVMGERXW FVEOI JPYMHW VIJVMKIVERXW IXG
i JYIPW
i JMPXIVW SMP GEVXVMHKIW IXG
i VYFFIV X]VIW MRWYPEXMRK QEXIVMEPW IXG
i FEXXIVMIW
d 3FWIVZI XLI VIKYPEXMSRW JSV TVSXIGXMRK XLI IRZMVSRQIRX [LIR HMWTSWMRK
SJ YWIH QEXIVMEPW
d 'SPPIGX ERH WXSVI YWIH QEXIVMEPW WITEVEXIP] MR WYMXEFPI VIGITXEGPIW ERH
SRP] HMWTSWI SJ XLIQ EX SJJMGMEP HITSXW MR ER IRZMVSRQIRXEPP] JVMIRHP]
[E]
d 3FWIVZI REXMSREP VIKYPEXMSRW

(MWTSWEP

'SRZIVWMSR JVSQ QMRIVEP SMPW XS IRZMVSRQIRXEPP]


GSQTEXMFPI L]HVEYPMG JPYMHW
*SV XLI STIVEXMSR SJ 0-)&,)66 IEVXL QSZMRK QEGLMRIW [MXL qIRZMVSRQIR
XEPP] GSQTEXMFPI L]HVEYPMG JPYMHWr [I VIGSQQIRH %:-% 7=283*09-(

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
0YFVMGERXW ERH JYIPW

'EYXMSR 6MWO SJ HEQEKI XS XLI QEGLMRI W L]HVEYPMG W]WXIQ


1M\MRK qIRZMVSRQIRXEPP]GSQTEXMFPI L]HVEYPMG JPYMHWr [MXL qQMRIVEP SMPWr TVS
HYGIW ER EKKVIWWMZI VIEGXMSR XLEX GER HEQEKI XLI L]HVEYPMG W]WXIQ
 %ZSMH QM\MRK qIRZMVSRQIRXEPP]GSQTEXMFPI L]HVEYPMG JPYMHWr [MXL qQMRIVEP
SMPWr

d ;LIR XLI QEGLMRI MW GSRZIVXIH XS ER qIRZMVSRQIRXEPP]GSQTEXMFPI


L]HVEYPMG JPYMHr 0-)&,)66 '97831)6 7)6:-') QYWX FI GSR
WYPXIH
d -X MW IWWIRXMEP XLEX ]SY SVHIV XLI q-27869'8-32 7,))8r ERH XLIq'32
:)67-32 +9-()0-2)7r JVSQ 0-)&,)66 ERH XLEX ]SY SFWIVZI XLIQ

 0YFVMGERX ERH JYIP WTIGMJMGEXMSRW


8LI ZEPYIW WXEXIH JSV XLI JMPPMRK UYERXMXMIW MR XLI XEFPI EVI SRP] KYMHIPMRIW
i MR IEGL GEWI XLI HMTWXMGO SV PIZIP QEVOMRKW EVI HIJMRMXMZI
i IEGL XMQI XLI PYFVMGERX SV WIVZMGI JYIP MW VITPEGIH SV XSTTIH YT XLI
PIZIP MR XLI ETTVSTVMEXI YRMX QYWX FI GLIGOIH
i JSV QSVI HIXEMPIH MRJSVQEXMSR EFSYX XLI VIUYMVIH PYFVMGERXW ERH WIVZMGI
JYIPW WII XLI 7IGXMSRW q0YFVMGEXMSR GLEVX JMPPMRK UYERXMXMIWr ERH q0YFVMG
ERXW ERH JYIPWr

0YFVMGEXMRK SMPW JSV HMIWIP IRKMRIW

7TIGMJMGEXMSRW 3RP] LMKLEPPS] PYFVMGEXMRK SMPW EVI YWIH MR QSHIVR HMIWIP IRKMRIW
8LI] GSRWMWX SJ FEWMG SMPW FPIRHIH [MXL EHHMXMZIW
8LI PYFVMGEXMRK SMP VIKYPEXMSR JSV HMIWIP IRKMRIW MW FEWIH SR XLI JSPPS[MRK
WTIGMJMGEXMSRW ERH VIKYPEXMSRW

2EQI 7TIGMJMGEXMSRW
%')% ''1'  'PEWWMJMGEXMSR %WWSGM ) ) ) )
EXMSR HIW 'SRWXVYGXIYVW )YVSTÍIRW HI
P %YXSQSFMPI
%4-  'PEWWMJMGEXMSR %QIVMGER 4IXVS '* '* '+ ',
PIYQ -RWXMXYXI

7TIGMJMGEXMSRW ERH VIKYPEXMSRW

0YFVMGEXMRK SMP ZMWGSWMX] 8LI PYFVMGEXMRK SMP ZMWGSWMX] MW WIPIGXIH EGGSVHMRK XS XLI 7%) 7SGMIX] SJ
%YXSQSXMZI )RKMRIIVW GPEWWMJMGEXMSR
8LI HIGMWMZI JEGXSV JSV XLI WIPIGXMSR SJ XLI GSVVIGX 7%) GPEWW MW XLI
EQFMIRX XIQTIVEXYVI
8LI WIPIGXMSR SJ 7%) GPEWWMJMGEXMSR HSIW RSX EJJIGX XLI UYEPMX] SJ E PYFVMGERX
SMP
-J XLI ZMWGSWMX] MW XSS LMKL WXEVXMRK GER FI HMJJMGYPX MJ MX MW XSS PS[ PYFVMGERX
IJJMGMIRG] QE] FI MQTEMVIH
8LI XIQTIVEXYVI VERKIW HIXEMPIH MR XLI KVETLMG EVI KYMHIPMRIW [LMGL QE]
FI FVMIJP] I\GIIHIH SV KSRI YRHIV

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
0YFVMGERXW ERH JYIPW

8IQTIVEXYVI HITIRHIRX WIPIGXMSR SJ XLI 7%) GPEWW

0YFVMGERX SMP GLERKMRK MRXIVZEPW 'LERKMRK MRXIVZEPW


i JMVWX SMP ERH JMPXIVGLERKI [MXL MRMXMEP SMP JMPPMRK WII XLI q1EMRXIRERGI ERH
MRWTIGXMSR WGLIHYPIr GLETXIV
i 3MP GLERKI EGGSVHMRK XS GPMQEXI ^SRI WYPTLYV GSRXIRX MR XLI JYIP ERH
SMP UYEPMX] EGGSVHMRK XS XLI JSPPS[MRK XEFPI
)ZIR MJ XLI WTIGMJMIH RYQFIV SJ WIVZMGI LSYVW L MW RSX VIEGLIH MR E KMZIR
]IEV XLI IRKMRI SMP ERH JMPXIV WLSYPH FI VITPEGIH EX PIEWX SRGI
(MJJMGYPX] JEGXSVW :EVMSYW HMJJMGYPX] JEGXSVW SV HMJJMGYPX [SVOMRK GSRHMXMSRW GER EJJIGX XLI QEMR
XIRERGI MRXIVZEP
(MJJMGYPX] JEGXSVW SV HMJJMGYPX [SVOMRK GSRHMXMSRW GSYPH MRGPYHI
i JVIUYIRX GSPH WXEVXW
i WYPTLYV GSRXIRX KVIEXIV XLER  MR JYIP
i WIVZMGI XIQTIVEXYVI YRHIV   ”'
-J HMJJMGYPX] JEGXSVW SV HMJJMGYPX STIVEXMRK GSRHMXMSRW ETTP] XLI SMP GLERKI
MRXIVZEPW HIJMRIH MR XLI q1EMRXIRERGI ERH MRWTIGXMSR WGLIHYPIrKMZIR MR XLI
XEFPI FIPS[ QYWX FI VIHYGIH F] LEPJ

(MJJMGYPX] JEGXSV 3MP UYEPMX]


) )
) )
'* '+
'* ',
;SVOMRK GSRHMXMSRW 7YPTLYV GSRXIRX MR JYIP MRXIVZEP
GPMQEXI  RSVQEP YT XS XS   L  L
  ”'
SZIV   L  L
YRHIV   ”' XS   L  L
SZIV    L

3-P GLERKI MRXIVZEPW MR WIVZMGI LSYVW L 

(MIWIP JYIPW

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
0YFVMGERXW ERH JYIPW

7TIGMJMGEXMSRW 8LI HMIWIP JYIPW QYWX QIIX XLI QMRMQYQ VIUYMVIQIRXW MR XLI JYIP WTIGM
JMGEXMSRW PMWXIH FIPS[
%YXLSVMWIH JYIP WTIGMJMGEXMSRW
i (-2 )2 
i &7  % ERH % SFWIVZI WYPTLYV GSRXIRX [MXL %
i %781 (  ( ERH (
i 2%83 GSHI * ERH *
3XLIV JYIP WTIGMJMGEXMSRW EVI SRP] TIVQMWWMFPI EJXIV GSRWYPXEXMSR [MXL XLI
(MIWIP )RKMRI (IZIPSTQIRX HITEVXQIRX
8LI WYPTLYV GSRXIRX WLSYPH RSX I\GIIH  F] [IMKLX ,MKLIV WYPTLYV
GSRXIRX EJJIGXW XLI SMP GLERKI MRXIVZEPW ERH XLI IRKMRI PMJIXMQI
0YFVMGSWMX] 8LI PYFVMGSWMX] SJ XLI HMIWIP JYIP FIGSQIW E GVMXMGEP JEGXSV EW XLI WYPTLYV
GSRXIRX HVSTW -X LEW FIIR JSYRH XLEX HMIWIP JYIPW [MXL XLI QE\ PMQMX MR
JSVGI MR )YVSTI SJ  WYPTLYV F] [IMKLX GER GEYWI [IEV MR XLI
MRNIGXMSR W]WXIQ IWTIGMEPP] [MXL HMWXVMFYXSV MRNIGXMSR TYQTW 
q&VERHIH JYIPWr MR +IVQER] GSRXEMR XLIWI PYFVMGERX EHHMXMZIW EW TEVX SJ
XLIMV EHHMXMZI TEGOEKI 8LI JYIP PYFVMGSWMX] QYWX GSVVIWTSRH XS ,*66 ”

8LI EHHMXMZIW WLSYPH FI EHQM\IH F] XLI WYTTPMIV MR LMW GETEGMX] EW EKIRX


VIWTSRWMFPI JSV XLI UYEPMX] SJ XLI JYIP 8LI EHQM\XYVI SJ WIGSRHEV] PYFVMGSW
MX] EHHMXMZIW F] XLI GYWXSQIV MW RSX VIGSQQIRHIH
(MIWIP JYIP EX ZIV] PS[ ;LIR I\XIVREP XIQTIVEXYVIW JEPP FIPS[ ETTVS\ ”' XLI JPS[ TIVJSVQERGI
XIQTIVEXYVIW SJ WYQQIV HMIWIP JYIP QE] FI MRWYJJMGMIRX EW E VIWYPX SJ TEVEJJMR WITEVEXMSR
8LI WEQI TVSFPIQ EVMWIW [MXL [MRXIV HMIWIP JYIPW FIPS[  ”'
(MIWIP JYIP GSRXEMRMRK EHHMXMZIW [MXL E [SVOMRK XIQTIVEXYVI HS[R XS  ”'
MW EPWS SJXIR EZEMPEFPI
9WI [MRXIV HMIWIP JYIP JSV I\XIVREP XIQTIVEYVIW FIPS[  ”' XS  ”' 
4IXVSP QYWX FI EHHIH [LIR XLI XIQTIVEXYVI JEPPW FIPS[  ”'  6IUYMVIH
QM\XYVI VEXMSW WII HMEKVEQ qHMIWIP JYIP i QM\XYVI VEXMS :SP r
*SV EVXMG GSRHMXMSRW XS  ”' WTIGMEP HMIWIP JYIP GER FI YWIH
-J MX MW RIGIWWEV] XS YWI WYQQIV HMIWIP JYIP FIPS[  ”' YT XS  GER FI
EHHIH MR EGGSVHERGI [MXL XLI HMEKVEQQI qHMIWIP JYIP i QM\XYVI VEXMS
:SP r
*SV WEJIX] VIEWSRW XLI JYIP QE] SRP] FI QM\IH MR E JYIP GSRXEMRIV ;LIR
XEROMRK YT TSYV MR XLI JYIP EHHMXMZI [MXL PS[IV WTIGMJMG KVEZMX] FIJSVI XLI
HMIWIP JYIP 8LI IRKMRI WLSYPH XLIR FI VYR YRXMP XLI JYIP QM\XYVI MW
GMVGYPEXMRK XLVSYKLSYX XLI IRXMVI JYIP W]WXIQ

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
0YFVMGERXW ERH JYIPW

(MIWIP JYIPW i QM\XYVI VEXMS


:SP

(MIWIP JYIPW i QM\XYVI VEXMS :SP


- WYQQIV HMIWIP JYIP % I\XIVREP XIQTIVEXYVI
-- [MRXIV HMIWIP JYIP & TIXVSP EHQM\XYVI TVSTSVXMSR

%HHMXMZIW JSV HMIWIP JYIP JPS[ *PS[ MQTVSZIVW EZEMPEFPI SR XLI QEVOIX [MPP EPWS MQTVSZI XLI GSPH [IEXLIV
MQTVSZIVW TIVJSVQERGI SJ XLI HMIWIP JYIP ;LIR YWMRK JPS[ MQTVSZIVW XLI UYERXMX]
ERH ETTPMGEXMSR VIGSQQIRHEXMSRW SJ XLI QERYJEGXYVIV QYWX FI SFWIVZIH

,]HVEYPMG SMPW

1MRIVEP SMPW
7TIGMJMGEXMSRW 3RP] IRKMRI SMPW QIIXMRK XLI 1IVGIHIW &IR^ WIVZMGI JYIPW WTIGMJMGEXMSRW
EVI TIVQMXXIH

1IVGIHIW&IR^  -RJSVQEXMSR 7TIGMJMGEXMSRW


WLIIX  2S
 ERH  WMRKPIKVEHI SMPW  %4- ''  7* '(  7* ')  7*
 ERH  QYPXMKVEHI SMPW  '(  7* ')  7*
'(%4- ''  7* 1-00 & 
'(  7* ')  7* 1-00 ( 
'(  7* 1-00 (  ')  7*
'( 1-00 &

1IVGIHIW&IR^ WIVZMGI JYIPW VIUYMVIQIRXW

:MWGSWMX] 8LI ZMWGSWMX] MW WIPIGXIH EGGSVHMRK XS XLI 7%) 7SGMIX] SJ %YXSQSXMZI


)RKMRIIVW GPEWWMJMGEXMSR
8LI HIGMWMZI JEGXSV JSV XLI WIPIGXMSR SJ XLI GSVVIGX 7%) GPEWW MW XLI
EQFMIRX XIQTIVEXYVI
8LI WIPIGXMSR SJ XLI 7%) GPEWWMJMGEXMSR HSIW RSX KMZI ER] MRJSVQEXMSR EFSYX
XLI UYEPMX] SJ E L]HVEYPMG SMP
8LI XIQTIVEXYVI VERKIW TVIWIRXIH MR XLI KVETLMG EVI SRP] TVSZMHIH EW
KYMHIPMRIW

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
0YFVMGERXW ERH JYIPW

8IQTIVEXYVI HITIRHIRX WIPIGXMSR SJ XLI 7%) GPEWW


&-  ! GSHI HIWMKREXMSR ! GSRXEMRIV PEFIPPMRK WII XLI 7IGXMSR q&P 
7XERHEVH PYFVMGERXWr
;EVQ VYRRMRK VIKYPEXMSRW *SV XIQTIVEXYVIW YT XS  ”' FIPS[ XLI WTIGMJMIH PMQMX
i EHNYWX XLI HMIWIP IRKMRI EJXIV WXEVXMRK XS NYWX ETTVS\ ¡ IRKMRI WTIIH
i EGXMZEXI L]HVEYPMG G]PMRHIVW ERH IRKMRIW ERH FVMIJP] QSZI XLI G]PMRHIVW
XS XLIMV WXSTW
i [EVQ VYRRMRK HYVEXMSR ETTVS\  QMRYXIW

*SV IZIR PS[IV XIQTIVEXYVIW


i FIJSVI WXEVXMRK XLI IRKMRI TVI[EVQ XLI SMP XERO

 ! )\GITXMSR JSV XVERWJIV KIEV %:+  TS[IVWLMJX XVERWQMWWMSR 


i 7%) i GER SRP] FI YWIH [LIR XLI EQFMIRX XIQTIVEXYVI MW RSX PS[IV
XLER  ”'

)RZMVSRQIRXEPP] GSQTEXMFPI ;LIR STIVEXMRK 0-)&,)66 IEVXL QSZMRK QEGLMRIW [MXL IRZMVSRQIRXEPP]
L]HVEYPMG JPYMHW GSQTEXMFPI L]HVEYPMG JPYMHW [I VIGSQQIRH %:-% 7=283*09-( MR IEGL
GEWI [MXL XLI ZMWGSWMX] WTIGMJMIH F] 0-)&,)66
'EYXMSR
i -J XLI GSRZIVWMSR SJ XLI L]HVEYPMG W]WXIQ XS ER qIRZMVSRQIRXEPP] GSQ
TEXMFPI L]HVEYPMG JPYMHr MW RSX GEVVMIH SYX TVSTIVP] XLIVI MW E HERKIV XLEX
XLI QEGLMRI W L]HVEYPMG W]WXIQ [MPP FI HEQEKIH
7II XLI WIGXMSR q'SRZIVWMSR JVSQ QMRIVEP SMPW XS IRZMVSRQIRXEPP] LEVQ
PIWW L]HVEYPMG JPYMHWr
;MXL QEGLMRIW [LMGL [IVI JMPPIH I\[SVOW [MXL qIRZMVSRQIRXEPP] GSQ
TEXMFPI L]HVEYPMG JPYMHWr ER ETTVSTVMEXI WMKR HIGEP  '%98-32 MW
EXXEGLIH XS XLI HVMZIVtW GEF ERH L]HVEYPMG XERO
'SRZIVWMSR SJ XLI L]HVEYPMG W]WXIQ
i 7II XLI WIGXMSR q'SRZIVWMSR SJ XLI L]HVEYPMG W]WXIQ JVSQ QMRIVEP SMPW
XS IRZMVSRQIRXEPP] GSQTEXMFPI L]HVEYPMG JPYMHWr JSV KYMHIPMRIW SR VIXVSJMX
XMRK ]SYV QEGLMRI XS EHETX MX XS E qIRZMVSRQIRXEPP] GSQTEXMFPI L]HVEYPMG
JPYMHr

0YFVMGEXMRK SMPW JSV LI XVERWQMWWMSRW

0 0-)&,)66   
1EMRXIRERGI 3TIVEXMRK QERYEP
0YFVMGERXW ERH JYIPW

%\PIW XVEZIP KIEV +IEV SMPW QYWX FI MR EGGSVHERGI [MXL XLI WTIGMJMGEXMSRW i %4-+0 ERH
1-00 & ' SV ( ERH XLI ZMWGSWMX] GPEWW 7%)  07 

 ! +IEV SMP [MXL PMQMXIH i WPMT EHHMXMZIW JSV HMWG FVEOIW ERH WIPJPSGOMRK
HMJJIVIRXMEPW

*SV XLI ZMWGSWMX] GPEWW 7%)  ER SMP SJ XLI ZMWGSWMX] GPEWW 7%)  ; 
GER EPWS FI YWIH
'SQTEVMWSR XS &P  i GSHI HIWMKREXMSR
i 7%)  07  &P  i +3  07
i 7%)  ;    &P  i +3 
&-  ! GSHI HIWMKREXMSR ! GSRXEMRIV PEFIPPMRK WII XLI 'LETXIV q&P 
7XERHEVH PYFVMGERXWr

+VIEWI JSV KIRIVEP PYFVMGEXMSR TSMRXW


8LMW KVIEWI QYWX QIIX XLI WTIGMJMGEXMSR /4Oi 'SRWMWXIRG]  SJ XLI 20
+- GPEWW EGGSVHMRK XS (-2  ERH (-2  SV )4  EGGSVHMRK XS
2*8 
8LI KVIEWI QYWX GSRWMWX SJ E PMXLMYQ GSQTPI\ ERH I\LMFMX E JSYV FEPP XIWXIV
ZEPYI SJ EX PIEWX  2 EGGSVHMRK XS (-2  SV %781 ( 
'SQTEVMWSR XS &P  i GSHI HIWMKREXMSR
i 20 +- GPEWW   &P  i 14+  %
&-  ! GSHI HIWMKREXMSR ! GSRXEMRIV PEFIPPMRK WII XLI 7IGXMSR q&P 
7XERHEVH PYFVMGERXWr
0-)&,)66 WTIGMEP TEWXI '8/ &SRHMRK [EXIV VIWMWXERX GSQTPI\ WETSRMJMIH TEWXI [MXL LMKL TVIWWYVI
EHHMXMZIW ERH MQTVSZIH GSVVSWMSR TVSXIGXMSR GLEVEGXIVMWXMGW
'SRXEMRW MRKVIHMIRXW [LMGL GSYRXIVEGX JVMGXMSREP ERH ZMFVEXMSREP GSVVSWMSR
)WTIGMEPP] VIGSQQIRHIH JSV YWI MR VSPPIV PMZI VMRK GSRRIGXMSRW
6ERKI SJ ETTPMGEXMSR  ”' XS  ”'
6ISVHIV JVSQ ]SYV 0-)&,)66 HIEPIV YRHIV -HIRXRS  
8LMW KVIEWI MW RSX WYMXEFPI JSV YWI MR EYXSQEXMG GIRXVEP PYFVMGEXMRK W]WXIQW

0YFVMGERX KVIEWI JSV EYXSQEXMG GIRXVEP PYFVMGEXMSR W]WXIQW


+VIEWI GSQTP]MRK [MXL XLI WTIGMJMGEXMSR /4O i 'SRWMWXIRG]  SJ XLI 20
+P GPEWW EGGSVHMRK XS (-2  MW WYMXEFPI
'SQTSWMXMSR 0MXLMYQWETSRMJMIH QYPXMTYVTSWI KVIEWI [MXL E QMRIVEP SMP
FEWI [MXL )4 EGXMZI MRKVIHMIRXW [MXLSYX GSPSYVMRK
+VIEWI [MXL LMKLTVIWWYVI EHHMXMZIW )4 KVIEWIW EVI VIGSQQIRHIH
3RP] YWI KVIEWIW [MXL XLI WEQI X]TI SJ WETSRMJMGEXMSR
0YFVMGERXW [MXL WSPMH PYFVMGERX TEVXMGPIW IK KVETLMXI QE] RSX FI YWIH
%TTVSZIH KVIEWIW 0-)&,)66  WTIGMEP KVIEWI MW E QMPPMRK VIWMWXERX EKMRK VIWMWXERX
PMXLMYQ KVIEWI TVSZMHMRK TVSXIGXMSR EKEMRWX GSVVSWMSR [MXL I\GIPPIRX
PYFVMGSWMX] SZIV E [MHI XIQTIVEXYVI VERKI
8LI QSPIGYPEV GSQTSWMXMSR ]MIPHW LMKL HIKVIIW SJ WLIEVMRK ERH QMPPMRK
WXEFMPMX] ERH KSSH JPS[ TVSTIVXMIW MR PSRK TMTIW

(IWGVMTXMSR -( 2S 5YERXMX]


0, WTIGMEP KVIEWI     OK HVYQ
0, WTIGMEP KVIEWI     K GEVXSR

   0-)&,)66 0
3TIVEXMRK QERYEP 1EMRXIRERGI
0YFVMGERXW ERH JYIPW

'SVVSWMSR TVSXIGXMSR KVIEWI


2SREGMHMG GSVVSWMSR TVSXIGXMSR KVIEWIW WLSYPH FI YWIH XS TVSXIGX I\TSWIH
TMWXSR VSHW
0-)&,)66 WTIGMEP TEWXI '8/ MW IWTIGMEPP] VIGSQQIRHIH
6IJIV XS XLI 7IGXMSR q0-)&,)66 WTIGMEP TEWXI '8/r

%RXMWIM^I JSV FSPX MRWXEPPEXMSR


% QSP]FHIRYQ WYPTLMHI TEWXI MW VIGSQQIRHIH EW ERXMWIM^I JSV XLI FSPXW

&P  WXERHEVH PYFVMGERXW


7II XLI FVSGLYVI q78%2(%6( 09&6-'%287 JSV GSRWXVYGXMSR QEGLMRIW
ERH ZILMGPIWr
4YFPMWLIH F] XLI +IVQER 'SRWXVYGXMSR -RHYWXV] *IHIVEXMSR ,EYTXZIVFERH
HIV (IYXWGLIR &EYMRHYWXVMI I:
&EYZIVPEK +QF, i ;MIWFEHIR ERH &IVPMR

&VEOMRK SMP

7IVZMGI FVEOI 8LI IRKMRI SMP 7%) ; MW XS FI YWIH EW XLI FVEOMRK SMP JSV EPP EQFMIRX
XIQTIVEXYVIW

0 0-)&,)66   
0MIFLIVV,]HVEYPMOFEKKIV+QF, 0MIFLIVV*VERGI7%7 0MIFLIVV;IVO8IPJW+QF, 0MIFLIVV;IVO&MWGLSJWLSJIR+QF,
,ERW0MIFLIVV7XVE‹I %ZIRYI.SWITL6I]&4 ,ERW0MIFLIVV7XVE‹I 4SWXJEGL
(/MVGLHSVJ-PPIV *'SPQEV'IHI\ %8IPJW %&MWGLSJWLSJIR
   
*E\ *E\  *E\  *E\ 
[[[PMIFLIVVGSQ [[[PMIFLIVVGSQ [[[PMIFLIVVGSQ [[[PMIFLIVVGSQ
)1EMPMRJS$PLFPMIFLIVVGSQ )1EMPMRJS$PJVPMIFLIVVGSQ )1EMPMRJS$P[XPMIFLIVVGSQ )1EMPMRJS$PFLPMIFLIVVGSQ

Das könnte Ihnen auch gefallen