F 00 GS - BMW Motorrad

#.830"%45&34-07&/05)*/(.03&5)"/5&"3*/(615)&5"3."$8)&5)&3
3*%*/("-0/&03"41"350'"5&"."/%8*5)"3"/(&0'"$$&4403*&45)&4&
/",&%#*,&41307*%&5)&1&3'&$51"$,"(&
5IFGBOUBTUJDTPVOEPGBTQPSUTJMFODFSTUZMJTI
DBSCPODPNQPOFOUTBOEDIJD-&%JOEJDBUPST
HSBCQFPQMFѳTBUUFOUJPOFWFSZXIFSFZPVHP
VOEFSMJOJOHZPVSNBDIJOFѳTTUZMJTIQSFTFODF
5IFFOHJOFQSPUFDUJPOCBSQSPUFDUTUIFCJLF
GSPNEBNBHFXIJMFUIFBOUJUIFGUBMBSNTZTUFN
QSPUFDUTJUGSPNPWFS[FBMPVTBENJSFST8JUI
QBOOJFSTFUTPGGFSJOHNPSFUIBOFOPVHITQBDF
#.8.PUPSSBE.PUPSDZDMF&RVJQNFOUZPVѳSF GPSUIFQFSGFDUQJDOJD4PZPVBMXBZTTUBZDPPM
SFBEZGPSBOZUIJOH8IFUIFSDVUUJOHUISPVHIUIF OPNBUUFSIPXIPUUIFQBDFPGDJUZMJGF
DJUZUPXPSLPSDSVJTJOHJOUIFDPVOUSZXJUI
GSJFOETFWFSZSFRVJSFNFOUJTDBUFSFEGPSXJUIB
GVMMSBOHFPGSVDLTBDLTTPGUCBHTBOEDPNQMFUF
6/45011"#-&30"%45&3
5"/,#"(
)1$"3#0/
$07&3'034&"5
,3
)1*/4536.&/5$-645&3
7"3*"#-&*/4&35
1*--*0/
$0.'0354&"5
)1$"3#0/8*/%4)*&-%
3&"341-"4)
1305&$503
-&%*/%*$"5034
7&/5*/(+"$,&5
)11*--*0/
1"44&/(&3
'0051&(4
)1$"3#0/
'30/5.6%(6"3%
)1$"3#0/
$-65$)$07&353*.
-PPLDPPMBOETUBZDPPMXJUI
UIJTFZFDBUDIJOHKBDLFU"OBJS
QFSNFBCMFNFTIFOTVSFT
FYDFMMFOUWFOUJMBUJPOCPUIPO
TMPXFSSJEFTBOEJOTVNNFSUJNF
IFBUXIJMFJUTDPNGPSUBOETBGFUZ
QFSGPSNBODFBSF趑STUSBUF5IF
7FOUJOHKBDLFUGFBUVSFTBCSBTJPO
SFTJTUBOU$PSEVSBNFTI
FMBTUJDBUFE%ZOBUFDSFNPWBCMF
4$QSPUFDUPSTBOESF趒FDUJWF
TUSJQTPOCPUIUIFGSPOUBOECBDL
*OBEEJUJPOUIFSFJTB趑UUFEDVUGPS
MBEJFTBOEBTUSBJHIUDVUGPSNFO
FOTVSJOHJUTXFBSFSBMXBZTMPPLT
HPPEBOEGFFMTHSFBU
)1'03(&%8)&&-4
)1(&"34)*'5"44*45
)1'0051&(4
",3"107*Ì41035
4*-&/$&3
)1$"3#0/
&/(*/&
410*-&3
)1$"3#0/
)&"51305&$503
)1(&"34)*'5"44*45
)1*/4536.&/5$-645&3
)1$"3#0/$-65$)53*.
Ѽ &OBCMFTGBTUFSVQTIJGUTXJUIPVUUISPUUMFSFMFBTF
PSVTFPGDMVUDI
Ѽ )PNPMPHBUFEGPSSPBEVTF
Ѽ /POFFEUPBNFOESFHJTUSBUJPOEPDVNFOUT
Ѽ "MTPBWBJMBCMFJODPOKVODUJPOXJUI)1GPPUQFHT
Ѽ 4JNJMBSUPTZTUFNTVTFECZBOVNCFS
PG.PUP(1UFBNT
Ѽ 7BSJPVTBEEJUJPOBMGVODUJPOTFHNPSF
BDDVSBUFMBQUJNJOH
Ѽ 67SFTJTUBOUMBDRVFSWBSOJTI
Ѽ "EETBOFZFDBUDIJOHQFSTPOBM
UPVDI
)1$"3#0/8*/%4)*&-%
Ѽ 67SFTJTUBOUMBDRVFSWBSOJTI
Ѽ .BLFUIFCJLFTUBOEPVUWJTVBMMZ
Ѽ 3FQMBDFTTUBOEBSEDMFBSQMBTUJDXJOETIJFME
)1$"3#0/'30/5.6%(6"3%
Ѽ 67SFTJTUBOUMBDRVFSWBSOJTI
Ѽ .BLFUIFCJLFTUBOEPVUWJTVBMMZ
Ѽ 3FQMBDFTTUBOEBSEDPWFS
)1$"3#0/
$-65$)$07&3
"%%*5*0/"-$0/530-4'03
)1*/4536.&/5$-645&3
Ѽ 8JUIUXPCVUUPOT.FOV4FU
GPSMFGUIBOEIBOEMFCBS
Ѽ 67SFTJTUBOUMBDRVFSWBSOJTI
Ѽ "EETBOFZFDBUDIJOHQFSTPOBM
UPVDI
Ѽ -BSHFDPWFS
)1$"3#0/&/(*/&410*-&3
)13*%&3'0051&(4
Ѽ 67SFTJTUBOUMBDRVFSWBSOJTI
Ѽ .BLFUIFCJLFTUBOEPVUWJTVBMMZ
Ѽ &OIBODFCPUIMPPLTBOE
GVODUJPOBMJUZ
Ѽ 'PPUCSBLFHFBSTIJGUBOE)1SJEFS
GPPUQFHTBMMNVMUJBEKVTUBCMF
Ѽ 0QUJNVN趑UHJWFTNBYJNVN
DPNGPSUBOETBGFUZ
Ѽ /BSSPXFSGPPUQFHTBMMPXHSFBUFS
UJMUBOHMFT
Ѽ 'JYFEGPPUQFHTBTGBWPVSFECZ
DPNQFUJUJPOSJEFST
Ѽ "MTPBWBJMBCMFJODPOKVODUJPOXJUI
HFBSTIJGUBTTJTU
)1-"15*.&3
",3"107*Ì410354*-&/$&3
)1$"3#0/$07&3'034&"5
Ѽ 67SFTJTUBOUMBDRVFSWBSOJTI
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ 8FJHITBQQSPY贷贽LH
贵费LHMJHIUFSUIBOTUBOEBSEWFSTJPO
Ѽ 5JUBOJVNTJMFODFSXJUIDBUBMZUJDDPOWFSUFS
Ѽ 5JUBOJVNCSBDLFUXFMEFEPO
Ѽ -BTFSFUDIFE"LSBQPWJÍMPHP
Ѽ 'JUTTUBOEBSEFYIBVTUNBOJGPME
Ѽ )PNPMPHBUFEGPSVTFPOQVCMJDSPBET&6XJEF
Ѽ $PNQBUJCMFXJUI)1JOTUSVNFOUDMVTUFS
Ѽ "VUPNBUJDBMMZNFBTVSFTMBQUJNFT
Ѽ 5SBOTNJUUFSBOESFDFJWFSBWBJMBCMF
TFQBSBUFMZ
)1$"3#0/)&"5
1305&$503'03
45"/%"3%4*-&/$&3
5*/5&%410358*/%4)*&-%
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ *NQSPWFEQSPUFDUJPOBHBJOTUXJOE
Ѽ $PPMEBSLMPPL
)11*--*0/1"44&/(&3'0051&(4
/054)08/
Ѽ 4BNFEFTJHOBT)1SJEFSGPPUQFHT
Ѽ 3FQMBDFTUBOEBSEGPPUQFHT
Ѽ 5SJNGPSKPJOCFUXFFOFYIBVTUNBOJGPME
TJMFODFS
Ѽ 67SFTJTUBOUMBDRVFSWBSOJTI
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ 3FQMBDFTTUBOEBSEUSJN
)1'03(&%8)&&-4
Ѽ 3FEVDFXFJHIU
Ѽ .BZCF趑UUFEJODPOKVODUJPOXJUI
51$BOE"4$
Ѽ *NQSPWFEIBOEMJOHBOE
TVTQFOTJPOSFTQPOTFT
Ѽ 贷费Y贵贻JODIBUGSPOU
贺Y贵贻JODIBUSFBS
,3
1*--*0/$0.'0354&"5
1"%%0$,45"/%
#.8.05033"%/"7*("503*7
Ѽ /PUBWBJMBCMFJODPOKVODUJPOXJUI)1
DBSCPOTFBUDPWFS
Ѽ 1JMMJPOBSFB贷费NNXJEFSBOEXJUI
贵费NNPGFYUSBQBEEJOH
Ѽ 4UVSEZTUBJOMFTTTUFFMTRVBSFUVCF
DPOTUSVDUJPO
Ѽ +BDLTVQNPUPSDZDMFTRVJDLMZBOE
TFDVSFMZ
Ѽ 4VJUBCMFGPSVTFPOMPPTFHSPVOE
Ѽ -POHMFWFSFOTVSFTFBTZPQFSBUJPO
Ѽ %JNFOTJPOT贵贷贺Y贼贷Y贶贸DNSPCVTU
XBUFSQSPPGUP*19贻TUBOEBSE
GVFM
SFTJTUBOUBOETIPDLQSPPG
Ѽ .POJUPS贺费贾贾贾DPMPVS5'5
UPVDITDSFFO贽贻Y费贻DN贸贷JODIFT
XJUIBVUPNBUJDEBZOJHIUNPEF
贸贼贾Y贶贻贶QJYFMTBOEIJHIDPOUSBTUOPO
SF趒FDUJWF67SFTJTUBOUEJTQMBZ
Ѽ 1PXFSTVQQMZSFNPWBCMFMJUIJVNJPO
CBUUFSZDIBSHFEBVUPNBUJDBMMZWJBPO
CPBSEFMFDUSJDT0QFSBUJPOUJNFXIFO
EJTDPOOFDUFEGSPNQPXFSTVQQMZ
PGVQ
UP趑WFIPVST
Ѽ 8JSFMFTT#MVFUPPUInUFDIOPMPHZ
OBWJHBUJPOJOTUSVDUJPOTWJB#MVFUPPUIn
IFMNFUTPSIFBETFUTEBUBFYDIBOHF
CFUXFFOUXP/BWJHBUPS*7VOJUT
#MVFUPPUInNPCJMFQIPOFT
Ѽ "VEJPDPOOFDUJPO64#DPOOFDUJPO
NJDSP4%DBSETMPU.1贷GVODUJPOUSBDL
BOESPVUFTBWJOH.$9KBDL
Ѽ &BTZPQFSBUJPOXIFOXFBSJOHHMPWFT
BEWBODFENPVOUDSBEMFXJUIGPVS
CVUUPOTѶѷѶѭѷ[PPNJO[PPNPVUPWFS
NBQT
Ѷ1BHFѷDIBOHFCFUXFFONBQ
WJFXUSJQDPNQVUFSBOENFEJBQMBZFS
Ѷ4QFBLѷQMBZCBDLDVSSFOUOBWJHBUJPO
JOTUSVDUJPOT
Ѽ .BQEBUBGPS贸贾DPVOUSJFTJO&BTUFSOBOE
8FTUFSO&VSPQFQSFJOTUBMMFE
Ѽ *ODMVEFTO¼.BQT-JGFUJNFGSFFNBQ
VQEBUFTGPSMJGFUJNFPGTBUFMMJUFOBWJHBUJPO
EFWJDF
Ѽ *ODMVEFT.BQ4PVSDFԂTPGUXBSFPO%7%
Ѽ .VMUJSPVUFQSFWJFXMBOFBTTJTUXJUI贷%
KVODUJPOWJFX贷%CVJMEJOHTFUD
Ѽ .PEFMTQFDJ趑DDSBEMF
-084&"5
Ѽ 4FBUIFJHIUTUFQMFOHUI
贻贽贾NN贵贻费贾NN
-"3(&4103540'5#"(
4."--4103540'5#"(
Ѽ $BQBDJUZBQQSPY费费MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUTGBTUFOJOHTUSBQTJODMVEFE
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 0OFTUPSBHFDPNQBSUNFOUBDDFTTJCMF
GSPNPVUTJEFPOFFYUFSJPSQPDLFUXJUI
USBOTQBSFOUXJOEPXJO趒BQ
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贷贵
UPBQQSPY贷贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5ISFFPVUFSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPSTNBMMJUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
7"3*"#-&*/4&35
5"/,#"(
Ѽ "EKVTUBCMFPVUFSSJNXJUI7FMDSP
GBTUFOFSUPTFUXJEUI
Ѽ "EKVTUBCMFJOUFSJPSEJWJEFST
Ѽ "EKVTUBCMFDPWFS
Ѽ 'JUTJOBMNPTUBMM#.8.PUPSSBE
UBOLCBHT
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
贵贷UPBQQSPY贶贾MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ "贸TJ[FENBQQPDLFUXJUIJOOPWBUJWF
DSBEMFGPSNPCJMFQIPOFTFUD
Ѽ /PUXIFSFOBWJHBUJPOEFWJDFJT趑UUFE
1"//*&3.06/5*/(4
Ѽ )PMEQBOOJFSTTFDVSFMZJOQMBDF
Ѽ .BLFJUFBTZUPBUUBDIBOESFNPWF
QBOOJFST
Ѽ %FTJHOFEUPCFVOOPUJDFBCMFXIFO
QBOOJFSTBSFSFNPWFE
-6(("(&(3*%
1"%%0$,45"/%"%"1503
#.8.05033"%"4$
Ѽ -BSHFMZQSFWFOUTSFBSXIFFMTQJO
Ѽ *NQSPWFTTBGFUZBOEUSBDUJPO
Ѽ $BOCFEJTFOHBHFEBUBOZUJNFWJBB
CVUUPO
Ѽ 3FUSP趑UPOMZQPTTJCMFPONPEFMTXJUI
"#4
Ѽ 4QFDJBMBUUBDINFOUGPSTNBMMTQPSU
TPGUCBH贶
$&/53&45"/%
"/5*5)&'5"-"3.4:45&.
8*5)3&.05&$0/530Ѽ "MBSNTPVOETBOEWJTVBMXBSOJOHBSF
BDUJWBUFEJGNPUPSDZDMFJTNPWFE
Ѽ $BOCFEJTBSNFECZLFZPSSFNPUFMZ
Ѽ 'VMMZQSPHSBNNBCMFBSNJOHDPEF
410351"//*&34
6/*7&34"-5"/,#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
贵贻UPBQQSPY贶费MJUSFT
Ѽ 4QMBTIQSPPG
Ѽ 4UFQMFTTMZBEKVTUBCMFWJBSBUDIFUTUSBQT
Ѽ -PDLBCMF
Ѽ 5FYUJMFTUFFMXFCCJOHGPSFOIBODFE
BOUJUIFGUTFDVSJUZ
Ѽ 4QBDFGPSPOFIFMNFU
Ѽ 4VQQMJFEXJUIXBUFSQSPPGJOOFSCBHT
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
贵贾UPBQQSPY贵贶MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4NBMMJOOPWBUJWFNBQQPDLFUXJUIB
DSBEMFGPSBNPCJMFQIPOF1%"PS
TNBMMTBUOBWEFWJDF
Ѽ &YUFSJPSQPDLFUXJUITMPUTGPSUXP
贾费MJUSFCPUUMFT
Ѽ $BOCFVTFEJODPOKVODUJPOXJUI
OBWJHBUJPOTZTUFN
Ѽ&OTVSFTCJLFSFNBJOTTUBCMFPOMPPTF
TVSGBDFT
Ѽ 5BLFTXFJHIUPGGSFBSXIFFM
FHGPSDMFBOJOH
3&"341-"4)1305&$503
,3
"DDPSEJOHUP+PIBOO4JFWFST1BVMTFOBDBSCPO
NBUFSJBMTQFDJBMJTUBU#.8.PUPSSBEJUTTZOFSHZ
XJUIUIFDPNQBOZѳTDBSEJWJTJPOJOUIF趑FMETPG
SFTFBSDIBOEEFWFMPQNFOUIBTFOBCMFEJUUPEFWFMPQ
BOEPGGFSFYUSFNFMZIJHIRVBMJUZDBSCPO趑CSFQBSUT
&905*$&91&/4*7&"/%6/%&/*"#-:
$00-$"3#0/'*#3&130%6$54
-00,'"/5"45*$"/%.",&&"$)#.8
.05033"%.0%&-"536&0/&0''
1SFWJPVTMZSFTFSWFEFYDMVTJWFMZGPSFYQFOTJWF
TVQFSDBSTBOE'PSNVMB贵UFBNTUIJTIJHIUFDI
DPNQPTJUFNBUFSJBMJTOPX趑OEJOHBIPNFJONBOZ
EJGGFSFOUNBSLFUTUIBOLTUPJUTIJHIUFOTJMFTUSFOHUI
MPXXFJHIUBOEMPXUIFSNBMFYQBOTJPO
5)&4&'&"563&4NBLFUIFVTFPGDBSCPO趑CSF
WFSZQPQVMBSJOUIFBFSPTQBDFDJWJMFOHJOFFSJOHBOE
NJMJUBSZTFDUPSTBOEFTQFDJBMMZJOUIFNPUPSTQPSUT
JOEVTUSZXIFSFJUDBOCFGPVOEJOBXJEFSBOHFPG
QFSGPSNBODFWFIJDMFT5IFTFJODMVEFTQPSUTDBST
BOETVQFSCJLFTBOEUIFNBUFSJBMJTBMTPVTFEJO
SBDJOHCJDZDMFGSBNFTQPXFSCPBUTBOEFWFOTBGFUZ
IFMNFUTXIFSFJUTDPNCJOBUJPOPGHSFBUTUSFOHUI
BOEJODSFEJCMZMPXXFJHIUNBLFJUUIFJEFBMTPMVUJPO
8IFODBSCPO趑CSFXBTJOUSPEVDFEJOUP'PSNVMB贵
SBDJOHJUSFWPMVUJPOJ[FEUIFTQPSUBOEKVTUBCPVU
FWFSZQBSUPG'贵DBSTFYDFQUUIFFOHJOFJTOPXNBEF
PGDBSCPO趑CSFSFTVMUJOHJOTUJGGFSMJHIUFSBOEFWFO
GBTUFSDBST"OECFDBVTFUIJTDPNQPTJUFNBUFSJBM
JTTPFBTZPOUIFFZFJUJTPGUFOVTFEJOUIFUVOJOH
BOEDVTUPNJ[JOHJOEVTUSZXIFSFUIFXPWFOQBOFMT
BSFMFGUVOQBJOUFEGPSNBYJNVNFGGFDU
0GDPVSTFDBSCPO趑CSFEPFTOѳUPOMZMPPLHSFBUJU
JTBMTPCFDPNJOHJODSFBTJOHMZJNQPSUBOUJOWFIJDMF
QSPEVDUJPOEVFUPUIFXFJHIUJUTBWFTXIJDISFTVMUT
JOMPXFSFNJTTJPOTXJUIBQPUFOUJBMXFJHIUSFEVDUJPO
PG费贾QFSDFOUDPNQBSFEUPTUFFMPSBQQSPYJNBUFMZ
贷贾QFSDFOUDPNQBSFEUPBMVNJOJVN4PSFQMBDJOH
TUFFMPSBMVNJOJVNQBSUTXJUIDBSCPO趑CSFJTBTJNQMF
XBZUPNBLFXFJHIUTBWJOHTCVUUIFQSPEVDUJPO
QSPDFTTGPSDBSCPO趑CSFJTBOZUIJOHCVUTJNQMF
#.80/-:64&41"/QPMZBDSZMPOJUSJMFCBTFE
IJHIRVBMJUZ趑CSFTJOUIFTQJOOJOHQSPDFTTUPDSFBUF
UIFQSFDVSTPSNPOP趑MBNFOUZBSOXIJDIJTUIFO
DBSCPOJ[FEBUBIJHIUFNQFSBUVSFNPSFUIBO贵贾贾贾p$
5IFFYDMVTJPOPGBJSPYZHFONFBOTUIBUUIF趑CSFZBSO
DBSCPOJ[FTSBUIFSUIBOCVSOT'PSUIFDBSCPOJ[BUJPO
PGUIFQSFDVSTPSZBSOJOUPDBSCPO趑CSFUIFZBSOQBTTFT
UISPVHITFWFSBMPWFOTTFUBUEJGGFSFOUUFNQFSBUVSFT
BOEUIFOSVOTUISPVHIBѶTJ[JOHCBUIѷXIJDIBTTVSFT
"4$00-"4$"3#0/
UIFQFSGFDU趑CSFNBUSJYBEIFTJPOOFFEFEGPSUIF
MBNJOBUJPOQSPDFTT5IFZBSOJTUIFOXPVOEPOUP
DBSCPO趑CSFTQPPMTGPSGVSUIFSQSPDFTTJOH
*UѳTBMMJODSFEJCMZDPNQMJDBUFEѭCVUUIFFOESFTVMU
JTBOJODSFEJCMZTUSPOHZFU趒FYJCMFBOEMJHIUXFJHIU
NBUFSJBMUIBUIBTNBOZVTFTBOEMPPLTHSFBU
6MUJNBUFMZUIPVHIUIJTBNB[JOHDPNQPTJUFNBUFSJBM
JTKVTUBNBONBEFGBCSJDUIBUDPNFTPOBSPMMBOEDBO
CFNBOJQVMBUFEGPSBWBSJFUZPGEJGGFSFOUBQQMJDBUJPOT
#FDBVTFJUTTUSVDUVSFTCFIBWFEJGGFSFOUMZUPTUFFMPS
BMVNJOJVNJUDBOCFQFSGFDUMZDVTUPNJ[FECZ#.8
.PUPSSBEFOHJOFFSTUPTVJUUIF3&26*3&.&/54
0'"1"35*$6-"3$0.10/&/5XIFUIFSJUJT
趒FYJCJMJUZJOBDFSUBJOEJSFDUJPOPSIJHITUJGGOFTTJO
BOPUIFSEJSFDUJPO
"XJEFSBOHFPGDBSCPO趑CSF)*()1&3'03."/$&
1"354IBWFCFFOEFTJHOFEGPS#.8.PUPSSBE
NPUPSDZDMFTTPUIBUPXOFSTDBODVTUPNJ[FUIFJS
PXONBDIJOFTBOEHJWFUIFNBOFWFOTQPSUJFSMPPL
5IFTFDPNQPOFOUTJODMVEFBUBOLDPWFSTFBUIVNQ
DPWFSFOHJOFTQPJMFSBOENVDINPSF#.8.PUPSSBE
JTUIFPOMZNBOVGBDUVSFSUPPGGFSJUTDBSCPOQBSUTXJUI
BIJHIRVBMJUZUISFFDPBUIJHIHMPTTMBDRVFS趑OJTI
XIJDIJT67SFTJTUBOUBOEPGGFSTPVUTUBOEJOHJNQBDU
SFTJTUBODFBOEQSPUFDUJPOBHBJOTUEJTDPMPVSBUJPO
Ѷ#.8.PUPSSBEIBTTFWFSBMIJHIMZTLJMMFE&91&354
0/$"3#0/'*#3&4536$563&4BOEUIFZ
BSFJOWPMWFEJOUIFEFWFMPQNFOUQSPDFTTSJHIUGSPN
UIFJOJUJBMEFTJHOPGUIFJOEJWJEVBMDPNQPOFOUT5IFSF
JTBMTPBMPUPGTZOFSHZXJUIUIFBVUPNPUJWFEJWJTJPO
BOEXFBSFJODPOUJOVPVTEJTDVTTJPOTXJUIUIFN
5IJTNFBOTUIBUPVSIJHIQFSGPSNBODFDBSCPO趑CSF
QBSUTNPTUMZIBWFUIFTBNFSFRVJSFNFOUTBTUIF
BVUPNPUJWFQBSUTSFTVMUJOHJOFYUSFNFMZIJHIRVBMJUZ
BOEFOHJOFFSJOHMFWFMTѷ
5IBOLTUP#.8ѳTDPNCJOBUJPOPGJOIPVTFUFDIOJDBM
FYQFSUJTFBOEEFTJSFUPPGGFSUIFIJHIFTUMFWFMTPG
RVBMJUZBOEDVTUPNJ[BUJPO#.8.PUPSSBESJEFSTDBO
HJWFUIFJSNBDIJOFTBVOJRVFIJHIFOEUXJTU+VTU
IPXGBSZPVDIPPTFUPQFSTPOBMJ[FZPVSNBDIJOFJT
FOUJSFMZVQUPZPVҀ
6/45011"#-&30"%45&3
33
#.8.05033"%"4$
5"/,#"(
"/5*5)&'5"-"3.4:45&.
#"$,3&451"%'03501#09
501#09
*//&3#"('03
501#09
7"3*"#-&*/4&35
)*()8*/%4)*&-%
-"3(&1"//*&3
.06/5*/(4
*/$--6(("(&(3*%
)1.*--&%)"/%-&7&3
-&%3&"3-*()5
4:45&.1"//*&34
*//&3#"('03
4:45&.1"//*&3
",3"107*Ì410354*-&/$&3
$-6#.&/ѳ4-"%*&4ѳ
-&"5)&3+"$,&5
5IFRVJOUFTTFOUJBMNPUPSDZDMJOH
KBDLFU*UTDMBTTJDEFTJHOBOEDPO
UFNQPSBSZEFUBJMJOHSF趒FDUUIF
QBTTJPOUIBUJTTZOPOZNPVTXJUI
#.8.PUPSSBE.BEFPGTPGUZFU
TUVSEZDPXIJEFJUJTUFBSBOE
BCSBTJPOSFTJTUBOUBOEWFSZTUZMJTI
UPCPPU3FNPWBCMFMJHIUXFJHIU
4$QSPUFDUPSTNBLFJUBTBGFDIPJDF
GPSNPUPSDZDMJOHVTFBOEUIFSFJT
BMTPUIFPQUJPOPGSFUSP趑UUJOHBO
/11SP"JSCBDLQSPUFDUPS
"-6.*/*6.$:-*/%&3)&"%
$07&3(6"3%
4"'&5:4$3&8
'030*-'*--&3$"1
410354&"5
)*()$0.'0354&"5
-"3(&4103540'5#"(
4."--4103540'5#"(
4:45&.1"//*&34
501#09
Ѽ 4FBUIFJHIUTUFQMFOHUI
贼贾贾NN贵贼贾贾NN
Ѽ 4FBUIFJHIUTUFQMFOHUI
贼贷贾NN贵贼贺贾NN
)*()4&"5/054)08/
-08$0.'0354&"5
/054)08/
Ѽ $BQBDJUZBQQSPY费费MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 0OFTUPSBHFDPNQBSUNFOUBDDFTTJCMF
GSPNPVUTJEF
Ѽ 0OFFYUFSJPSQPDLFUXJUIUSBOTQBSFOU
XJOEPXJO趒BQ
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
贷贵UPBQQSPY贷贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5ISFFPVUFSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPSTNBMM
JUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ $BQBDJUZBQQSPY贷贶MJUSFTQFSQBOOJFS
Ѽ 8BUFSQSPPG
Ѽ )FMNFU趑UTJOFJUIFSQBOOJFS
Ѽ 'JUTFBNMFTTMZJOUPPWFSBMMEFTJHO
Ѽ $BQBDJUZBQQSPY贶贼MJUSFTTQBDFGPS
POFIFMNFU
Ѽ 8BUFSQSPPG
Ѽ 4DVGGHVBSEGPSMVHHBHFHSJEBMTP
BWBJMBCMF
*//&3#"('034:45&.
1"//*&3
*//&3#"('03501#09
Ѽ 4FBUIFJHIUTUFQMFOHUI
贼贷贾NN贵贼贼贾NN
-084&"5/054)08/
Ѽ 4FBUIFJHIUTUFQMFOHUI
贻贻贾NN贵贻贺贾NN
Ѽ 4FBUIFJHIUTUFQMFOHUI
贼贾贾NN贵贼贸贾NN
&953"-084&"5
/054)08/
*.1"$51305&$5*0/4:45&.
'034:45&.1"//*&34
/054)08/
Ѽ 4FBUIFJHIUTUFQMFOHUI
贻贺贾NN贵贻费贾NN
Ѽ 1SPUFDUTMPXFSBSFBBHBJOTUTDSBUDIFT
Ѽ 'PMEBXBZDBSSZIBOEMFBOEEFUBDIBCMF
TIPVMEFSTUSBQ
Ѽ &YUFSJPSBOEJOUFSJPSDPNQBSUNFOUTGPS
TNBMMJUFNT
Ѽ 4UBCMFCBTF
6/*7&34"-5"/,#"(
5"/,#"(
7"3*"#-&*/4&35
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
贵贾UPBQQSPY贵贶MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4NBMMJOOPWBUJWFNBQQPDLFUXJUIB
DSBEMFGPSBNPCJMFQIPOF1%"PS
TNBMMTBUOBWEFWJDF
Ѽ &YUFSJPSQPDLFUXJUITMPUTGPSUXP
贾费MJUSFCPUUMFT
Ѽ $BOCFVTFEJODPOKVODUJPOXJUI
OBWJHBUJPOTZTUFN
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
贵贷UPBQQSPY贶贵MJUSFT
Ѽ &YUFSJPSQPDLFU
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ "贸TJ[FENBQQPDLFU
Ѽ "EKVTUBCMFPVUFSSJNXJUI7FMDSP
GBTUFOFSUPTFUXJEUI
Ѽ "EKVTUBCMFJOUFSJPSEJWJEFST
Ѽ "EKVTUBCMFDPWFS
Ѽ 'JUTJOBMNPTUBMM#.8.PUPSSBE
UBOLCBHT
-"3(&1"//*&3.06/5*/(4
*/$--6(("(&(3*%
4."--1"//*&3.06/5*/(4
/054)08/
Ѽ -VHHBHFHSJEBOEQBOOJFSNPVOUJOHT
BTBTJOHMFVOJU
Ѽ 'JUTFBNMFTTMZJOUPPWFSBMMEFTJHO
Ѽ #BSFMZWJTJCMFXIFOOPQBOOJFSTBSF
BUUBDIFE
Ѽ $BOOPUCF趑UUFEJODPOKVODUJPOXJUI
UPQCPY
Ѽ 1PDLFUTGPSTNBMMJUFNT
Ѽ %FUBDIBCMFTIPVMEFSTUSBQ
#"$,3&451"%'03501#09
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
33
"-6.*/*6.$:-*/%&3)&"%
$07&3(6"3%
)*()8*/%4)*&-%
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ (PPEBFSPEZOBNJDT
Ѽ 8JEUIBQQSPYNN
Ѽ )FJHIUBQQSPYNN
Ѽ 1SPUFDUTDZMJOEFSIFBEDPWFSBHBJOTUEBNBHF
1-"45*$$:-*/%&3)&"%
$07&3(6"3%
Ѽ .BEFGSPNTIBUUFSQSPPG67SFTJTUBOU
趑CSFHMBTTSFJOGPSDFEQMBTUJD
1"%%0$,45"/%
$-&"3410358*/%4)*&-%
Ѽ 4UVSEZTUBJOMFTTTUFFMTRVBSFUVCF
DPOTUSVDUJPO
Ѽ +BDLTVQNPUPSDZDMFTRVJDLMZBOE
TFDVSFMZ
Ѽ 4VJUBCMFGPSVTFPOMPPTFHSPVOE
Ѽ -POHMFWFSFOTVSFTFBTZPQFSBUJPO
Ѽ 8JEUIBQQSPYNN
Ѽ )FJHIUBQQSPYNN
8*3&8)&&-4
$)30.&$:-*/%&3)&"%$07&3
Ѽ&OIBODFTMPPLPGNPUPSDZDMF
Ѽ YJODIBUGSPOUYJODIBUSFBS
Ѽ /PUBWBJMBCMFJODPOKVODUJPOXJUI51$
Ѽ &OIBODFTMPPLPGNPUPSDZDMF
Ѽ "EETBEJTUJODUJWFQFSTPOBMUPVDI
$)30.&$:-*/%&3)&"%
$07&34$3&8
&/(*/&1305&$5*0/#"3
/054)08/
1"%%0$,45"/%"%"1503
Ѽ 4UVSEZTUBJOMFTTTUFFMUVCF
DPOTUSVDUJPO
5*/5&%410358*/%4)*&-%
Ѽ 8JEUIBQQSPYNN
Ѽ )FJHIUBQQSPYNN
$)30.&$6450..*33034
Ѽ &OIBODFTMPPLPGNPUPSDZDMF
Ѽ "EETBEJTUJODUJWFQFSTPOBMUPVDI
33
#.8.05033"%"4$
Ѽ -BSHFMZQSFWFOUTSFBSXIFFMTQJO
Ѽ *NQSPWFTTBGFUZBOEUSBDUJPO
Ѽ $BOCFEJTFOHBHFEBUBOZUJNFWJBB
CVUUPO
Ѽ 3FUSP趑UPOMZQPTTJCMFPONPEFMTXJUI
"#4
#.8.05033"%
/"7*("503*7
Ѽ %JNFOTJPOTYYDN
SPCVTUXBUFSQSPPGUP*19TUBOEBSE
GVFMSFTJTUBOUBOETIPDLQSPPG
Ѽ .POJUPSDPMPVS5'5
UPVDITDSFFOYDNJODIFT
XJUIBVUPNBUJDEBZOJHIUNPEF
YQJYFMTBOEIJHIDPOUSBTU
OPOSF趒FDUJWF67SFTJTUBOUEJTQMBZ
Ѽ 1PXFSTVQQMZSFNPWBCMFMJUIJVNJPO
CBUUFSZDIBSHFEBVUPNBUJDBMMZWJBPO
CPBSEFMFDUSJDT0QFSBUJPOUJNFXIFO
EJTDPOOFDUFEGSPNQPXFSTVQQMZ
PGVQ
UP趑WFIPVST
Ѽ 8JSFMFTT#MVFUPPUInUFDIOPMPHZ
OBWJHBUJPOJOTUSVDUJPOTWJB#MVFUPPUIn
IFMNFUTPSIFBETFUTEBUBFYDIBOHF
CFUXFFOUXP/BWJHBUPS*7VOJUT
#MVFUPPUInNPCJMFQIPOFT
Ѽ "VEJPDPOOFDUJPO64#DPOOFDUJPO
NJDSP4%DBSETMPU.1GVODUJPOUSBDL
BOESPVUFTBWJOH.$9KBDL
Ѽ &BTZPQFSBUJPOXIFOXFBSJOHHMPWFT
BEWBODFENPVOUDSBEMFXJUIGPVS
CVUUPOTѶѷѶѭѷ[PPNJO[PPNPVU
PWFSNBQT
Ѷ1BHFѷDIBOHFCFUXFFO
NBQWJFXUSJQDPNQVUFSBOENFEJB
QMBZFS
Ѷ4QFBLѷQMBZCBDLDVSSFOU
OBWJHBUJPOJOTUSVDUJPOT
Ѽ .BQEBUBGPSDPVOUSJFTJO&BTUFSO
BOE8FTUFSO&VSPQFQSFJOTUBMMFE
Ѽ *ODMVEFTO¼.BQT-JGFUJNFGSFFNBQ
VQEBUFTGPSMJGFUJNFPGTBUFMMJUF
OBWJHBUJPOEFWJDF
Ѽ *ODMVEFT.BQ4PVSDFԂTPGUXBSFPO
%7%
Ѽ .VMUJSPVUFQSFWJFXMBOFBTTJTUXJUI
%KVODUJPOWJFX%CVJMEJOHTFUD
Ѽ .PEFMTQFDJ趑DDSBEMF
5&-&-&7&3$"14
Ѽ 5VSOFEBMVNJOJVNDBQTXJUIBNJMMFE
TVSGBDF
Ѽ 3FQMBDFTUBOEBSEDBQTPO5FMFMFWFS
Ѽ &OIBODFTMPPLPGNPUPSDZDMF
",3"107*Ì410354*-&/$&3
Ѽ 8FJHITBQQSPYLHLHMJHIUFSUIBOTUBOEBSEWFSTJPO
Ѽ 5JUBOJVNTJMFODFS
Ѽ -BTFSFUDIFE"LSBQPWJÍMPHP
Ѽ 'JUTTUBOEBSEFYIBVTUNBOJGPME
Ѽ )PNPMPHBUFEGPSVTFPOQVCMJDSPBET&6XJEF
4"'&5:4$3&8'03
0*-'*--&3$"1
Ѽ 'PSHFEBMVNJOJVN
Ѽ -PDLBCMFXJUITQFDJBM"MMFOLFZ
0651653&%6$5*0/
/054)08/
Ѽ 3FEVDUJPOUPIQL8
"/5*5)&'5"-"3.4:45&.
8*5)3&.05&$0/530Ѽ "MBSNTPVOETBOEWJTVBMXBSOJOHBSF
BDUJWBUFEJGNPUPSDZDMFJTNPWFE
Ѽ $BOCFEJTBSNFECZLFZPSSFNPUFMZ
Ѽ 'VMMZQSPHSBNNBCMFBSNJOHDPEF
"%%*5*0/"-108&340$,&5
/054)08/
)1.*--&%)"/%-&7&3
Ѽ )JHIRVBMJUZ$/$NJMMFEBMVNJOJVN
CSBLFBOEPSDMVUDIMFWFS
Ѽ 4J[FPGHBQCFUXFFOMFWFSBOE
IBOEMFCBSBEKVTUBCMFCFUXFFOGPVS
QPTJUJPOT
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
)1'03(&%8)&&-4
5IFIJHIQSFDJTJPONBOVGBDUVSJOH
QSPDFTTHVBSBOUFFTUIBUGPSHFEXIFFMT
PGGFSJNQSPWFEIBOEMJOHMPXXFJHIUBOE
FYDFMMFOUHSJQSFTVMUJOHJOBOFOIBODFE
SJEJOHFYQFSJFODF
Ѽ .BZCF趑UUFEJODPOKVODUJPOXJUI51$
BOE"4$
Ѽ *NQSPWFEIBOEMJOHBOETVTQFOTJPO
SFTQPOTFT
Ѽ YJODIBUGSPOU
YJODIBUSFBS
33
1SPGFTTJPOBMHSBEFCSBLJOHQFSGPSNBODF
Ѷ"#4JTBTBGFUZOFUUIBULJDLTJOXIFOSJEFSTSJTL
EBOHFSUISPVHIFYUSFNFCSBLJOHѷFYQMBJOT"#4
FYQFSU#FSUIPME)BVTFSGSPN#.8.PUPSSBE
*UNVTUQSFWFOUBOBDDJEFOUXIJMFBUUIFTBNF
UJNFPGGFSJOHUIFNBYJNVNMFWFMPGTBGFCSBLJOH
QFSGPSNBODF*OEBOHFSPVTTJUVBUJPOTJOQBSUJDVMBS
SJEFSTPGUFOHSBCUIFCSBLFMFWFSJOQBOJDSFTVMUJOH
JOBOBDDJEFOU
)FBWZCSBLJOHPOBNPUPSDZDMFJTOPFBTZNBOPFVWSF
*GZPVBQQMZUPPNVDIGPSDFUPUIFQFEBMUIFSFBS
XIFFMDBOTLJEPVUBOEJGUIFMFWFSJTQVMMFEUPP
TUSPOHMZUIFGSPOUXIFFMDBOMPDL*OFJUIFSDBTFBO
BDDJEFOUXPVMECFQSBDUJDBMMZVOBWPJEBCMF5P
NJOJNJ[FUIJTSJTL#.8IBTTQFOUPWFS贶贾ZFBST
EFWFMPQJOHXIBUSFNBJOTUIFNPTUFGGFDUJWFTBGFUZ
UFDIOPMPHZBWBJMBCMFUPEBZѭUIF"#4BOUJMPDLJOH
CSBLFTZTUFN
"QJPOFFSJOBDUJWFTBGFUZ
*OUSPEVDFEJO贵贽贼费UIF趑STUFWFS"#4TPMVUJPOXBT
LOPXOBTUIF4UPQ$POUSPM4ZTUFN4$4
UIPVHIJU
XBTOPUFNQMPZFEJO#.8.PUPSSBEQSPEVDUJPO
NBDIJOFT*O.VOJDIUIFDPNQBOZDIPTFJOTUFBE
UPGPDVTPOEFWFMPQJOHNPEFSOFMFDUSPOJDTUIBU
DPVMESFHVMBUFUIFCSBLJOHJOUFSWBMT*OJUJBMMZBWBJMBCMF
BTBOPQUJPOGPS,NPEFMTTVDIBTUIF#.8,贵贾贾
UIFBOUJMPDLJOHCSBLFTZTUFNXFJHIFE贵贵贵
LJMPHSBNT#ZUIFMBVODIPGUIFTJHOJ趑DBOUMZNPSF
DPNQBDUTFDPOEHFOFSBUJPOJO贵贽贽贷UIFXFJHIU
IBECFFOSFEVDFEUPBSPVOETJYLJMPHSBNT5IF
UIJSEHFOFSBUJPOXBTJOUSPEVDFEJO贶贾贾贵BOE
XFJHIFEJOBUMFTTUIBO贸费LJMPHSBNT*UJTBMTPUIF
趑STUTZTUFNUPGFBUVSFBCSBLFCPPTUFSBOEJOUFHSBM
TFUVQXIJDIDPOOFDUTUIFGSPOUBOESFBSCSBLF
DJSDVJUT
."9*.6.4"'&5:"445"/%"3%
#.8.05033"%."$)*/&4"3&3&/08/&%'035)&*3"$$&-&3"5*0/5)06()&''&$5*7&#3",*/(*4+645"4*.1035"/5
*/.0%&3/.0503$:$-*/(8)&/%&$&-&3"5*/('30.)*()41&&%4*/1"35*$6-"3-0$,&%8)&&-4104&")*()3*4,50
3*%&345)"5ѳ48):&7&3:#.8.05033"%.0%&-3&-&"4&%'30.ꕎꕖꕍꕏ8*--#&'*55&%8*5)"#4"445"/%"3%
贶贾贾贺TBX#.8.PUPSSBEGVMMZPWFSIBVMJUTCSBLF
TZTUFNBOEMBVODITFWFSBMOFXSJEFSBTTJTUBODF
TZTUFNTTVDIBT"4$"VUPNBUJD4UBCJMJUZ$POUSPM
5IJTJOUFHSBM"#4TPMVUJPOXFJHIFEKVTU贶贷
LJMPHSBNTBOEFMJNJOBUFEUIFOFFEGPSFMFDUSPOJD
CSBLFCPPTUJOHBOEJUDPOUJOVFTUPCFVTFEUPEBZ
XJUIHSFBUTVDDFTTJO3BOE,NPEFMT
1SPGFTTJPOBMSBDFSTPODMPTFEDJSDVJUTVTFUIFJS
CSBLFTWFSZEJGGFSFOUMZGSPNFWFSZEBZSJEFST5IFZ
BSFQSFQBSFEGPSSBQJEEFDFMFSBUJPOCPBTUFYUFOTJWF
FYQFSJFODFBOEBSFOPUEJTUSBDUFECZBOZUIJOH
5ISPVHI"#4UIFZPGUFOHFUBCFUUFSVOEFSTUBOE
JOHPGUIFJSCJLFѳTCSBLJOHQPUFOUJBMBTUIFZEPOѳU
IBWFUPXPSSZBCPVUCFJOHUISPXOPGGUIFNBDIJOF
XIFOGVMMZBQQMZJOHUIFCSBLFT
&NFSHFODZTUPQTPOXFUTVSGBDFTXJUI"#4
8IJMFSJEJOHJOUIFSBJOJTDIBMMFOHJOHCSBLJOHJOUIF
SBJODBMMTGPSHSFBUTLJMM$IBOHFTJOUIFSPBETVSGBDF
SPBENBSLJOHT[FCSBDSPTTJOHTPSBMJUUMFTBOEDBO
HSFBUMZJODSFBTFUIFSJTLPGTLJEEJOH)BVTFS
DPOUJOVFTѶ*GSJEFSTEPOPUSFTQPOEJOUJNFUIFTF
DIBOHFTJOUSBDUJPODBODBVTFXIFFMTUPMPDL
DPNQMFUFMZѷ
5IFMBUFTU"#4TZTUFNTGSPN#.8PGGFSJODSFEJCMZ
QSFDJTFDPOUSPMBOEDBORVJDLMZTUFQVQCSBLJOH
QSFTTVSFBOEJEFOUJGZSFBSXIFFMMJGUUPQSFWFOUUIF
NPUPSDZDMFGSPNUVSOJOHPWFS
-JHIUXFJHIU"#4GPSBMMѭGSPNꕎꕖꕍꕏ
&6MFHJTMBUJPOJTEVFUPDPNFJOUPGPSDFJO贶贾贵贺UIBU
XJMMNBLF"#4PCMJHBUPSZGPSBMMOFXNPUPSDZDMFT
#.8.PUPSSBEJTBDUJOHXFMMJOBEWBODFPGUIJTBOE
IBTUBLFOUIFEFDJTJPOUPJOUSPEVDF"#4BT
TUBOEBSEPOBMMOFXNPEFMTCVJMUGSPN贶贾贵贷5IF
OFXUXPDIBOOFM"#4TZTUFN趑UUFEUPUIF
'贻贾贾(4BOE'贼贾贾(4NPEFMTJTJODSFEJCMZ
DPNQBDUBOEJTBTMJHIUBTBGFBUIFSBUKVTU贻贾贾
HSBNT5IFTZTUFNDBOBMTPCFUVSOFEPGG
DPNQMFUFMZGPSTFSJPVTPGGSPBESJEJOH
5IF3BDF"#4TZTUFNBEBQUFEUPNFFUUIFFYUSFNF
DIBMMFOHFTPGTVQFSTQPSUSJEJOHJTTJNJMBSMZMPXJO
XFJHIUBUKVTU贶费LJMPHSBNTJOUPUBM%FWFMPQFEGPSUIF
#.84贵贾贾贾33UIFTPMVUJPOBEBQUTUPUIFNPUPS
DZDMFѳTGPVSFOHJOFQSP趑MFT3BJO4QPSUSPBE
3BDF
USBDLXJUITVQFSTQPSUUZSFT
BOE4MJDLUSBDLXJUI
TMJDLT
8IBUFWFSUIFSJEJOHTUZMFPSTVSGBDFIPXFWFSFBDI
#.8.PUPSSBEJOJUJBUJWFTIBSFTUIFFYBDUTBNF
PCKFDUJWFUPEFMJWFSNBYJNVNTBGFUZBTTUBOEBSE
6/45011"#-&30"%45&3
5"/,#"(
7"3*"#-&*/4&35
'3
#"$,3&451"%'03
4."--501#09
4."--501#09
*//&3#"(
-6(("(&(3*%
8)*5&*/%*$"5034
410351"//*&34
$*5:%&/*.53064&34
5PTVSWJWFJOUIFVSCBOKVOHMFZPV
OFFEUPCFBCMFUPCPUIUBMLUIFUBML
BOEXBMLUIFXBML5IF$JUZ%FOJN
USPVTFSTGFBUVSFBDMBTTJDXPSOCMVF
KFBOTMPPL"OEUIFZBSFBTTBGFBT
UIFZBSFTUZMJTIUIBOLTUPUIFVTFPG
BCSBTJPOSFTJTUBOU$PSEVSB5IFIJHI
RVBMJUZ/1QSPUFDUPSTBSFIFJHIU
BEKVTUBCMFBOESFNPWBCMFTPZPVѳMM
DVUKVTUBTTUZMJTIB趑HVSFPGGZPVS
CJLFBTZPVEPPOJU
",3"107*Ì41035
4*-&/$&3
$&/53&45"/%
1-"45*$&/(*/&410*-&3
-084&"5
501#09
Ѽ 4FBUIFJHIUTUFQMFOHUI
NNNN
Ѽ $BQBDJUZBQQSPYMJUSFTTQBDFGPS
POFIFMNFU
Ѽ 8BUFSQSPPG
Ѽ 4DVGGHVBSEGPSMVHHBHFHSJEBMTP
BWBJMBCMF
)*()4&"5
#"$,3&451"%'03501#09
Ѽ 4FBUIFJHIUTUFQMFOHUI
NNNN
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
5"/,#"(
-&%*/%*$"5034
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ 4JHOJ趑DBOUMZMPOHFSCVMCMJGF
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTTXJUIUXP-&%TJOFBDI
JOEJDBUPS
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
UPBQQSPYMJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ "TJ[FENBQQPDLFU
Ѽ $BOOPUCFVTFEXIFSF#.8.PUPSSBE
/BWJHBUPSJT趑UUFE
*//&3#"('03501#09
Ѽ 1PDLFUTGPSTNBMMJUFNT
Ѽ %FUBDIBCMFTIPVMEFSTUSBQ
8)*5&*/%*$"5034
-"3(&4103540'5#"(
Ѽ $BQBDJUZBQQSPYMJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 0OFTUPSBHFDPNQBSUNFOUBDDFTTJCMF
GSPNPVUTJEF
Ѽ 0OFFYUFSJPSQPDLFUXJUIUSBOTQBSFOU
XJOEPXJO趒BQ
6/*7&34"-5"/,#"(
4."--4103540'5#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
UPBQQSPYMJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5ISFFPVUFSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPSTNBMM
JUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
UPBQQSPYMJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4NBMMJOOPWBUJWFNBQQPDLFUXJUIB
DSBEMFGPSBNPCJMFQIPOF1%"PS
TNBMMTBUOBWEFWJDF
Ѽ &YUFSJPSQPDLFUXJUITMPUTGPSUXP
MJUSFCPUUMFT
Ѽ $BOCFVTFEJODPOKVODUJPOXJUI
OBWJHBUJPOTZTUFN
7"3*"#-&*/4&35
-&%3&"3-*()5
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTT
0651653&%6$5*0/
/054)08/
Ѽ 3FEVDUJPOUPIQL8
Ѽ "EKVTUBCMFPVUFSSJNXJUI7FMDSP
GBTUFOFSUPTFUXJEUI
Ѽ "EKVTUBCMFJOUFSJPSEJWJEFST
Ѽ "EKVTUBCMFDPWFS
Ѽ 'JUTJOBMNPTUBMM#.8.PUPSSBE
UBOLCBHT
'3
",3"107*Ì410354*-&/$&3
Ѽ 8FJHITBQQSPYLH
LHMJHIUFSUIBOTUBOEBSEWFSTJPO
Ѽ 5JUBOJVNTUBJOMFTTTUFFMTJMFODFS
Ѽ -BTFSFUDIFE"LSBQPWJÍMPHP
Ѽ 'JUTTUBOEBSEFYIBVTUNBOJGPME
Ѽ )PNPMPHBUFEGPSVTFPOQVCMJDSPBET&6XJEF
&/(*/&1305&$5*0/#"3
410351"//*&34
1*--*0/4&"5$07&3
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
UPBQQSPYMJUSFT
Ѽ 4QMBTIQSPPG
Ѽ 4UFQMFTTMZBEKVTUBCMFWJBSBUDIFUTUSBQT
Ѽ -PDLBCMF
Ѽ 5FYUJMFTUFFMXFCCJOHGPSFOIBODFE
BOUJUIFGUTFDVSJUZ
Ѽ 4QBDFGPSPOFIFMNFU
Ѽ 4VQQMJFEXJUIXBUFSQSPPGJOOFSCBHT
Ѽ 4QPSUZTJOHMFTFBUFSMPPL
Ѽ 4VQQMJFEQSJNFE
#.8.05033"%
/"7*("503*7
Ѽ %JNFOTJPOTYYDN
SPCVTUXBUFSQSPPGUP*19TUBOEBSE
GVFMSFTJTUBOUBOETIPDLQSPPG
Ѽ .POJUPSDPMPVS5'5
UPVDITDSFFOYDNJODIFT
XJUIBVUPNBUJDEBZOJHIUNPEF
YQJYFMTBOEIJHIDPOUSBTU
OPOSF趒FDUJWF67SFTJTUBOUEJTQMBZ
Ѽ 1PXFSTVQQMZSFNPWBCMFMJUIJVNJPO
CBUUFSZDIBSHFEBVUPNBUJDBMMZWJBPO
CPBSEFMFDUSJDT0QFSBUJPOUJNFXIFO
EJTDPOOFDUFEGSPNQPXFSTVQQMZ
PG
VQUP趑WFIPVST
Ѽ 4UVSEZTUBJOMFTTTUFFMUVCF
DPOTUSVDUJPO
Ѽ 8JSFMFTT#MVFUPPUInUFDIOPMPHZ
OBWJHBUJPOJOTUSVDUJPOTWJB#MVFUPPUIn
IFMNFUTPSIFBETFUTEBUBFYDIBOHF
CFUXFFOUXP/BWJHBUPS*7VOJUT
#MVFUPPUInNPCJMFQIPOFT
Ѽ "VEJPDPOOFDUJPO64#DPOOFDUJPO
NJDSP4%DBSETMPU.1GVODUJPOUSBDL
BOESPVUFTBWJOH.$9KBDL
Ѽ &BTZPQFSBUJPOXIFOXFBSJOHHMPWFT
BEWBODFENPVOUDSBEMFXJUIGPVS
CVUUPOTѶѷѶѭѷ[PPNJO[PPNPVU
PWFSNBQT
Ѷ1BHFѷDIBOHFCFUXFFO
NBQWJFXUSJQDPNQVUFSBOENFEJB
QMBZFS
Ѷ4QFBLѷQMBZCBDLDVSSFOU
OBWJHBUJPOJOTUSVDUJPOT
Ѽ .BQEBUBGPSDPVOUSJFTJO&BTUFSO
BOE8FTUFSO&VSPQFQSFJOTUBMMFE
Ѽ *ODMVEFTO¼.BQT-JGFUJNFGSFFNBQ
VQEBUFTGPSMJGFUJNFPGTBUFMMJUF
OBWJHBUJPOEFWJDF
Ѽ *ODMVEFT.BQ4PVSDFԂTPGUXBSFPO
%7%
Ѽ .VMUJSPVUFQSFWJFXMBOFBTTJTUXJUI
%KVODUJPOWJFX%CVJMEJOHTFUD
Ѽ .PEFMTQFDJ趑DDSBEMF
1"//*&3.06/5*/(4
Ѽ )PMEQBOOJFSTTFDVSFMZJOQMBDF
Ѽ .BLFJUFBTZUPBUUBDIBOESFNPWF
QBOOJFST
Ѽ 0OMZJODPNCJOBUJPOXJUIUIFMVHHBHF
HSJE
Ѽ %FTJHOFEUPCFVOOPUJDFBCMFXIFO
QBOOJFSTBSFSFNPWFE
1-"45*$&/(*/&410*-&3
Ѽ /PUBWBJMBCMFJODPOKVODUJPOXJUI
QSPUFDUJPOCBS
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
"650."5*$$)"*/
-6#3*$"5*0/4:45&.
/054)08/
"/5*5)&'5"-"3.4:45&.
8*5)3&.05&$0/530-
$&/53&45"/%
-6(("(&(3*%
Ѽ "MBSNTPVOETBOEWJTVBMXBSOJOHBSF
BDUJWBUFEJGNPUPSDZDMFJTNPWFE
Ѽ $BOCFEJTBSNFECZLFZPSSFNPUFMZ
Ѽ 'VMMZQSPHSBNNBCMFBSNJOHDPEF
Ѽ &OTVSFTCJLFSFNBJOTTUBCMFPOMPPTF
TVSGBDFT
Ѽ /PUBWBJMBCMFJODPOKVODUJPOXJUI
MPXFSFETVTQFOTJPO
'3
&/%6303*%&34/&7&33&"$)5)&&/%0'5)&30"%
05)&34.":'"--#:5)&8":4*%&
#65:06ѳ--"-8":4'*/%"8":50,&&1(0*/(
0GGSPBESJEJOHQSFTFOUTBVOJRVFTFUPG
DIBMMFOHFTGPSCPUINBOBOENBDIJOF"OEPG
DPVSTFGPS#.8.PUPSSBE3JEFS&RVJQNFOU
1SPUFDUJPOCBSTCBTIQMBUFTBOEQBOOJFSTGSPN
#.8.PUPSSBEBSFTVCKFDUFEUPUIPVTBOETPG
UFTUNJMFTJOUIFUPVHIFTUXFBUIFSDPOEJUJPOT
BMPOHXJUIDPVOUMFTTIPVSTPGWJCSBUJPOBOE
BCSBTJPOUFTUJOH5IJTXBZUIFRVBMJUZBOE
GVODUJPOBMJUZPGPVSQSPEVDUTJTHVBSBOUFFE
BMMPXJOHZPVSCJLFUPUBLFPOUIFUPVHIFTU
DIBMMFOHFTJOFOEVSPSJEJOH
8IFUIFSJUѳTUIFHPBOZXIFSFMVHHBHFTZTUFN
UIFUJUBOJVNTJMFODFSPSTUZMJTIDBSCPOQBSUT
#.8.PUPSSBEDPNQPOFOUTDPNQMFNFOUPOF
BOPUIFSBOEZPVSNBDIJOFUPQFSGFDUJPO"OE
UIJTNBLFTUIFNNPSFUIBOBNBUDIGPSBOZ
FOEVSPBEWFOUVSF
6/45011"#-&&/%630
#"$,3&451"%'03
7"3*"#-&501#09
3(4
#.8.05033"%
/"7*("503*7
7"3*"#-&
501#09
-"3(&5"/,#"(
*//&3#"('03
501#09
)"/%1305&$5034
-6(("(&(3*%
-083*%&34&"5
501#09
.06/5*/(
-&%*/%*$"5034
3"--:&46*5
-&%"69*-*"3:)&"%-*()5
7"3*"#-&
1"//*&34
*//&3#"('03
7"3*"#-&
1"//*&34
",3"107*Ì
410354*-&/$&3
&/(*/&1305&$5*0/#"3
"%+645"#-&3*%&3
'0051&(4
0OPSPGGSPBEOPUIJOHDBOTUPQ
UIF3BMMZFTVJU/PXJUPGGFSTBO
FWFOHSFBUFSMFWFMPGTBGFUZBOE
GVODUJPOBMJUZXJUIUIFOFX/1贶
QSPUFDUPSTEFMJWFSJOHPQUJNVN
QSPUFDUJPOBOEBOJNQSPWFE趑U"T
TVDIJUJTBNVTUGPSFOEVSPSJEFST
XIPSFGVTFUPMFUUIFXFBUIFSTQPJM
UIFJSGVO
&/%630"-6.*/*6.#"4)
1-"5&
8*%&&/%630'0051&(4
Ѽ *NQSPWFDPOUSPMEVSJOHPGGSPBESJEJOH
Ѽ 1SFWFOUTMJQQJOHXIFOTUBOEJOH
Ѽ 4UFQBSFB费DNXJEF贵贾贸DNMPOH
Ѽ .BEFPGDBTUTUBJOMFTTTUFFMBMMPZ
"%+645"#-&
3*%&3'0051&(4
Ѽ "EKVTUBCMFUPUISFFEJGGFSFOUIFJHIUT
Ѽ 4QSJOHMPBEFEQMBUF
Ѽ 3FNPWBCMFBCSBTJPOQSPUFDUPS
Ѽ 4UFQBSFB贸贼DNXJEF贵贾费DNMPOH
Ѽ -BTFSFUDIFE#.8.PUPSSBEMFUUFSJOH
Ѽ 'PSHFEXJUIHPMEDPMPVSFEBOPEJ[JOH
)1",3"107*Ì410354*-&/$&3
Ѽ 8FJHITBQQSPY贷贸LH
贵贶LHMJHIUFSUIBOTUBOEBSEWFSTJPO
Ѽ 5JUBOJVNTJMFODFS
Ѽ -BTFSFUDIFE"LSBQPWJÍBOE)1MPHP
Ѽ 'JUTTUBOEBSEFYIBVTUNBOJGPME
Ѽ )PNPMPHBUFEGPSVTFPOQVCMJDSPBET&6XJEF
Ѽ $BSCPOFOEDBQBOEIFBUTIJFME
-6(("(&(3*%
-084&"5
#.8.05033"%"4$
Ѽ 1PTJUJPOFECZNPUPSDZDMFѳTDFOUSFPG
HSBWJUZGPSFGGFDUJWFXFJHIUEJTUSJCVUJPO
Ѽ *EFBMGPSUIFWBSJBCMFQBOOJFST
Ѽ 'PMETVQGPSFBTZBDDFTTUPUPPM
DPNQBSUNFOU
Ѽ /PUBWBJMBCMFJODPOKVODUJPOXJUISBMMZ
TFBUXJUIMVHHBHFHSJE
Ѽ -PXTFUVQ
4FBUIFJHIUTUFQMFOHUI
贼贶贾NN贵贼贶贾NN
Ѽ )JHITFUVQ
4FBUIFJHIUTUFQMFOHUI
贼贸贾NN贵贼贺贾NN
Ѽ -BSHFMZQSFWFOUTSFBSXIFFMTQJO
Ѽ *NQSPWFTTBGFUZBOEUSBDUJPO
Ѽ $BOCFEJTFOHBHFEBUBOZUJNFWJBB
CVUUPO
)*()4&"5/054)08/
#.8.05033"%51$
/054)08/
Ѽ 4FBUIFJHIU
贼贻贾NN贼贽贾NN
Ѽ 4UFQMFOHUI
贵贽贵贾NN贵贽费贾NN
"%+645"#-&
'005#3",&-&7&3
Ѽ 5ZSFQSFTTVSFNPOJUPSFEGPSJODSFBTFE
TBGFUZ
Ѽ %JTQMBZWJB趒BUTDSFFO
Ѽ "VUPNBUJDXBSOJOHJODBTFPGMPTTPG
QSFTTVSF
Ѽ 1SPWJEFTJNQSPWFEDPOUSPMXIFO
TUBOEJOH
Ѽ )FJHIUBEKVTUBCMFCSBLFMFWFSQMBUF
Ѽ .BEFPG趑OFHSBJOFETUFFMXJUICMBDL
&1%DPBUJOH
5*/5&%8*/%4)*&-%
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ 4QPSUZTUZMJOH
-&%*/%*$"5034
Ѽ "EEBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ 4JHOJ趑DBOUMZMPOHFSCVMCMJGF
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTTXJUIUXP-&%TJOFBDI
JOEJDBUPS
3"--:4&"58*5)
-6(("(&(3*%
Ѽ 4MJNQSP趑MFFNQIBTJ[FTFOEVSPTUZMJOH
Ѽ 'JSNFSQBEEJOHGPSPGGSPBESJEJOH
Ѽ 3FEVDFETFBUXJEUIJNQSPWFTHSPVOE
SFBDI
Ѽ *ODMVEFTMVHHBHFHSJEXJUI(4MFUUFSJOH
Ѽ /PUBWBJMBCMFJODPOKVODUJPOXJUI
MVHHBHFHSJE
501#09.06/5*/(
Ѽ .BEFPGBMVNJOJVN
Ѽ 4UVSEZMVHHBHFHSJEJODMVEJOHBEBQUPS
QMBUF
"%%*5*0/"-108&340$,&5
/054)08/
3(4
-"3(&5"/,#"(
#"$,3&451"%'03
7"3*"#-&501#09
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贵贵
UPBQQSPY贵费MJUSFT
Ѽ 8BUFSQSPPG
Ѽ 8BUFSQSPPGNBQQPDLFUXJUIOPOTMJQ
趑OJTI
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
-"3(&4103540'5#"(
4."--5"/,#"(
Ѽ $BQBDJUZBQQSPY贼MJUSFT
Ѽ 8BUFSQSPPG
Ѽ 8BUFSQSPPGNBQQPDLFUXJUIOPOTMJQ
趑OJTI
Ѽ $BQBDJUZBQQSPY费费MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 0OFTUPSBHFDPNQBSUNFOUBDDFTTJCMF
GSPNPVUTJEF
Ѽ 0OFFYUFSJPSQPDLFUXJUIUSBOTQBSFOU
XJOEPXJO趒BQ
7"3*"#-&1"//*&34
*//&3#"('037"3*"#-&
1"//*&3"/%501#09
Ѽ 'PBNMJEBOECBTFGPSJNQSPWFE
JNQBDUQSPUFDUJPO
Ѽ .FTIEJWJEFSTBOETFQBSBUF
DPNQBSUNFOUJOUIFMJE
Ѽ %FUBDIBCMFDBSSZTUSBQ
Ѽ $BQBDJUZBEKVTUBCMFXJUI[JQ
Ѽ #ZNPWJOHBCBSDBQBDJUZDBOCF
BEKVTUFEGSPNBQQSPY贷贾UP贷贽MJUSFTPO
UIFSJHIUIBOETJEFBOE贶贾UP贶贽MJUSFT
POUIFMFGU
Ѽ "MVNJOJVNQBOFMJOQBOOJFSMJE
7"3*"#-&*/4&35
Ѽ "EKVTUBCMFPVUFSSJNXJUI7FMDSP
GBTUFOFSUPTFUXJEUI
Ѽ "EKVTUBCMFJOUFSJPSEJWJEFST
Ѽ "EKVTUBCMFDPWFS
Ѽ 'JUTJOBMNPTUBMM#.8.PUPSSBE
UBOLCBHT
4."--4103540'5#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贷贵
UPBQQSPY贷贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5ISFFPVUFSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPSTNBMM
JUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
1"//*&3.06/5*/(4'03
7"3*"#-&1"//*&34
7"3*"#-&501#09
Ѽ #ZNPWJOHBCBSDBQBDJUZDBOCF
BEKVTUFEGSPNBQQSPY贶费UP贷费MJUSFT
Ѽ .PVOUFEPOMVHHBHFHSJEPSJOQMBDFPG
QJMMJPOTFBU
Ѽ "MVNJOJVNQBOFMJOQBOOJFSMJE
3(4
&/%630"-6.*/*6.#"4)1-"5&
Ѽ 1SPUFDUTFOHJOFBOEFYIBVTUNBOJGPMEBHBJOTU
TUPOFTBOECVNQTJOPGGSPBESJEJOH
Ѽ &NQIBTJ[FTUIFSVHHFEFOEVSPMPPL
45"*/-&4445&&-&/(*/&
1305&$5*0/#"3
Ѽ &OEVSPMPPLTBSFQFSGFDUMZTVJUFEUPCJLF
Ѽ $PNQMFNFOUTUIFTUBOEBSECBTIQMBUF
Ѽ .BEFPGFMFDUSPQPMJTIFETUBJOMFTTTUFFM
-&%"69*-*"3:)&"%-*()5
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ .PSFEJTUJODUMJHIUJOHPGSPBEBIFBE
Ѽ 4JHOJ趑DBOUMZMPOHFSCVMCMJGF
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
#.8.05033"%
/"7*("503*7
Ѽ %JNFOTJPOT贵贷贺Y贼贷Y贶贸DNSPCVTU
XBUFSQSPPGUP*19贻TUBOEBSE
GVFMSFTJTUBOUBOE
TIPDLQSPPG
Ѽ .POJUPS贺费贾贾贾DPMPVS5'5UPVDITDSFFO
贽贻Y费贻DN贸贷JODIFT
XJUIBVUPNBUJDEBZ
OJHIUNPEF贸贼贾Y贶贻贶QJYFMTBOEIJHI
DPOUSBTUOPOSF趒FDUJWF67SFTJTUBOUEJTQMBZ
Ѽ 1PXFSTVQQMZSFNPWBCMFMJUIJVNJPOCBUUFSZ
DIBSHFEBVUPNBUJDBMMZWJBPOCPBSEFMFDUSJDT
0QFSBUJPOUJNFXIFOEJTDPOOFDUFEGSPN
QPXFSTVQQMZ
PGVQUP趑WFIPVST
Ѽ 8JSFMFTT#MVFUPPUInUFDIOPMPHZOBWJHBUJPO
JOTUSVDUJPOTWJB#MVFUPPUInIFMNFUTPS
IFBETFUTEBUBFYDIBOHFCFUXFFOUXP
/BWJHBUPS*7VOJUT#MVFUPPUInNPCJMFQIPOFT
Ѽ"VEJPDPOOFDUJPO64#DPOOFDUJPONJDSP4%
DBSETMPU.1贷GVODUJPOUSBDLBOESPVUFTBWJOH
.$9KBDL
Ѽ &BTZPQFSBUJPOXIFOXFBSJOHHMPWFTBEWBODFE
NPVOUDSBEMFXJUIGPVSCVUUPOTѶѷѶѭѷ[PPN
JO[PPNPVUPWFSNBQT
Ѷ1BHFѷDIBOHF
CFUXFFONBQWJFXUSJQDPNQVUFSBOENFEJB
QMBZFS
Ѷ4QFBLѷQMBZCBDLDVSSFOUOBWJHBUJPO
JOTUSVDUJPOT
Ѽ .BQEBUBGPS贸贾DPVOUSJFTJO&BTUFSOBOE
8FTUFSO&VSPQFQSFJOTUBMMFE
Ѽ *ODMVEFTO¼.BQT-JGFUJNFGSFFNBQVQEBUFT
GPSMJGFUJNFPGTBUFMMJUFOBWJHBUJPOEFWJDF
Ѽ *ODMVEFT.BQ4PVSDFԂTPGUXBSFPO%7%
Ѽ .VMUJSPVUFQSFWJFXMBOFBTTJTUXJUI贷%
KVODUJPOWJFX贷%CVJMEJOHTFUD
Ѽ .PEFMTQFDJ趑DDSBEMF
1"%%0$,45"/%
Ѽ 4UVSEZTUBJOMFTTTUFFMTRVBSFUVCF
DPOTUSVDUJPO
Ѽ +BDLTVQNPUPSDZDMFTRVJDLMZBOETFDVSFMZ
Ѽ 4VJUBCMFGPSVTFPOMPPTFHSPVOE
Ѽ -POHMFWFSFOTVSFTFBTZPQFSBUJPO
1"%%0$,45"/%"%"1503
)"/%1305&$5034
Ѽ 1SPUFDUJPOGPSIBOETXIFOSJEJOHPGG
SPBEPSJOXJOEBOESBJO
)&"%-*()5(6"3%
4"'&5:4$3&8'030*-'*--&3$"1
Ѽ 1SPUFDUTIFBEMJHIUBHBJOTU趒ZJOHTUPOFTJOPGGSPBEVTF
Ѽ .BEFPGTIBUUFSQSPPGQMFYJHMBTT
Ѽ 4OBQMPDLTZTUFNGPSFBTZBUUBDINFOUBOESFNPWBM
Ѽ 'PSPGGSPBEVTFPOMZ
Ѽ .JMMFEBMVNJOJVNTJMWFSBOPEJ[FETVSGBDF趑OJTI
Ѽ -PDLBCMFXJUITQFDJBM"MMFOLFZ
3(4
6/45011"#-&&/%630
5*/5&%8*/%4)*&-%
611&34&$5*0/
0')"/%
1305&$5034
-"3(&5"/,#"(
3(4"%7&/563&
#"$,3&451"%'03
"-6.*/*6.501#09
"-6.*/*6.501#09
'6/$5*0/"-*//&3#"(
'03"-6.*/*6.501#09
#.8.05033"%/"7*("503*7
)&"%-*()5(6"3%
501#09.06/5*/(
3"--:&(4130#0054
-&%"69*-*"3:)&"%-*()5
"-6.*/*6.1"//*&38*5)
'6/$5*0/"-*//&3#"(
5IFTFCPPUTUBLFUIFUPVHIFTU
DPOEJUJPOTJOUIFJSTUSJEF.BEF
PGDPXIJEFMFBUIFSXJUITUBJOMFTT
TUFFMUPFDBQTUIFZBSFGVODUJPOBM
BOEIBSEXFBSJOH5IFZGFBUVSF
BSFNPWBCMFJOOFSNBEFPG
FMBTUJDBUFEOFPQSFOFHFMDVTIJPOT
BOEBSFNPWBCMFXBTIBCMFJOTPMF
5IFTIBGUJTXJEFFOPVHIUP
BDDPNNPEBUFMFHCSBDFT"TTVDI
UIFZSFQSFTFOUUIFQFSGFDUCPPUGPS
DPNNJUUFEFOEVSPSJEFST
",3"107*Ì410354*-&/$&3
45"*/-&4445&&-
'3".&(6"3%
&/%630"-6.*/*6.
#"4)1-"5&
"-6.*/*6.1"//*&34
5IFTFSPCVTUQBOOJFSTXJUIQMBJO
BMVNJOJVNTVSGBDFTIBWFBDBQBDJUZPG
BQQSPYJNBUFMZ贸贸MJUSFTPOUIFSJHIUIBOE
TJEFBOE贷贼MJUSFTPOUIFMFGU8BUFSQSPPG
BOETFDVSFMZMPDLBCMFUIFZDBOFBDI
DBSSZVQUP贵贾LJMPHSBNTPGMVHHBHFBOE
GFBUVSFTUBJOMFTTTUFFMMBTIJOHFZFMFUTTP
UIBUFYUSBJUFNTDBOFBTJMZCFBUUBDIFEUP
UIFPVUTJEF
#.8.05033"%/"7*("503*7
Ѽ 3FJOGPSDFEFEHFT
Ѽ %FUBDIBCMFMJE
'6/$5*0/"-*//&3#"(
'03"-6.*/*6.1"//*&3
Ѽ 'PMEBXBZDBSSZIBOEMFTBOE
EFUBDIBCMFTIPVMEFSTUSBQ
Ѽ 8BUFSQSPPG
Ѽ $BOBMTPCFVTFEPOUPQPGQBOOJFST
$"33:)"/%-&'03
"-6.*/*6.1"//*&3
03501#09
1"//*&3.06/5*/(4'03
"-6.*/*6.1"//*&34
Ѽ .BEFPGFMFDUSPQPMJTIFETUBJOMFTTTUFFM
Ѽ 4FUJODMVEFTDBSSZIBOEMFBOEGPVS
TUSBQT
Ѽ $BOBMTPCFVTFEUPTFDVSFBEEJUJPOBM
MVHHBHFUPBMVNJOJVNQBOOJFSTPSUPQ
CPY
Ѽ %JNFOTJPOT贵贷贺Y贼贷Y贶贸DN
SPCVTUXBUFSQSPPGUP*19贻TUBOEBSE
GVFMSFTJTUBOUBOETIPDLQSPPG
Ѽ .POJUPS贺费贾贾贾DPMPVS5'5
UPVDITDSFFO贽贻Y费贻DN贸贷JODIFT
XJUIBVUPNBUJDEBZOJHIUNPEF贸贼贾Y
贶贻贶QJYFMTBOEIJHIDPOUSBTUOPO
SF趒FDUJWF67SFTJTUBOUEJTQMBZ
Ѽ 1PXFSTVQQMZSFNPWBCMFMJUIJVNJPO
CBUUFSZDIBSHFEBVUPNBUJDBMMZWJBPO
CPBSEFMFDUSJDT0QFSBUJPOUJNFXIFO
EJTDPOOFDUFEGSPNQPXFSTVQQMZ
PGVQ
UP趑WFIPVST
Ѽ 8JSFMFTT#MVFUPPUInUFDIOPMPHZ
OBWJHBUJPOJOTUSVDUJPOTWJB#MVFUPPUIn
IFMNFUTPSIFBETFUTEBUBFYDIBOHF
CFUXFFOUXP/BWJHBUPS*7VOJUT
#MVFUPPUInNPCJMFQIPOFT
Ѽ "VEJPDPOOFDUJPO64#DPOOFDUJPO
NJDSP4%DBSETMPU.1贷GVODUJPOUSBDL
BOESPVUFTBWJOH.$9KBDL
Ѽ &BTZPQFSBUJPOXIFOXFBSJOHHMPWFT
BEWBODFENPVOUDSBEMFXJUIGPVS
CVUUPOTѶѷѶѭѷ[PPNJO[PPNPVU
PWFSNBQT
Ѷ1BHFѷDIBOHFCFUXFFO
NBQWJFXUSJQDPNQVUFSBOENFEJB
QMBZFS
Ѷ4QFBLѷQMBZCBDLDVSSFOU
OBWJHBUJPOJOTUSVDUJPOT
Ѽ .BQEBUBGPS贸贾DPVOUSJFTJO&BTUFSO
BOE8FTUFSO&VSPQFQSFJOTUBMMFE
Ѽ *ODMVEFTO¼.BQT-JGFUJNFGSFFNBQ
VQEBUFTGPSMJGFUJNFPGTBUFMMJUF
OBWJHBUJPOEFWJDF
Ѽ *ODMVEFT.BQ4PVSDFԂTPGUXBSFPO
%7%
Ѽ .VMUJSPVUFQSFWJFXMBOFBTTJTUXJUI
贷%KVODUJPOWJFX贷%CVJMEJOHTFUD
Ѽ .PEFMTQFDJ趑DDSBEMF
&/%630"-6.*/*6.
#"4)1-"5&
Ѽ 1SPUFDUTFOHJOFBOEFYIBVTUNBOJGPME
BHBJOTUTUPOFTBOECVNQTJOPGGSPBE
SJEJOH
Ѽ &NQIBTJ[FTUIFSVHHFEFOEVSPMPPL
'6/$5*0/"-*//&3#"('03
"-6.*/*6.501#09
Ѽ 'PMEBXBZDBSSZIBOEMFTBOE
EFUBDIBCMFTIPVMEFSTUSBQ
Ѽ 8BUFSQSPPG
"-6.*/*6.501#09
1"//*&3.06/5*/(4
*/4*-7&3
Ѽ )JHIRVBMJUZTJMWFSQBJOU趑OJTI
Ѽ 'JUTFBNMFTTMZJOUPPWFSBMMEFTJHO
5IJTXBUFSQSPPGQMBJOBMVNJOJVNDBTF
CPBTUTBDBQBDJUZPGVQUP贷贶MJUSFTXIJMF
BOPQUJPOBMDBSSZIBOEMFLJUDPNQSJTJOHB
IBOEMFBOEGPVSTUSBQTJTJEFBMGPS
BUUBDIJOHBEEJUJPOBMQJFDFTPGMVHHBHF
5IFCPYѳTDPSOFSTBOEFEHFTBSF
DPWFSFEXJUICMBDLQMBTUJDQSPUFDUJOH
BHBJOTUTDSBUDIJOH
#"$,3&451"%'03
"-6.*/*6.501#09
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
Ѽ .BYJNVNMPBE费贾LH
3(4"%7&/563&
$)30.&$:-*/%&3
)&"%$07&3
5"/,#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
贵费UPBQQSPY贶贶MJUSFT
Ѽ 8BUFSQSPPG
Ѽ "贸TJ[FENBQQPDLFU
Ѽ%FUBDIBCMFFYUFSJPSQPDLFUDBOCFXPSO
BTIJQCBH
Ѽ $BSSZIBOEMF
7"3*"#-&*/4&35
Ѽ "EKVTUBCMFPVUFSSJNXJUI7FMDSP
GBTUFOFSUPTFUXJEUI
Ѽ "EKVTUBCMFJOUFSJPSEJWJEFST
Ѽ "EKVTUBCMFDPWFS
Ѽ 'JUTJOBMNPTUBMM#.8.PUPSSBE
UBOLCBHT
Ѽ &OIBODFTMPPLPGNPUPSDZDMF
Ѽ "EETBEJTUJODUJWFQFSTPOBMUPVDI
)&"%-*()5(6"3%
)1.*--&%)"/%-&7&3
Ѽ 1SPUFDUTIFBEMJHIUBHBJOTU趒ZJOH
TUPOFTJOPGGSPBEVTF
Ѽ .BEFPGTIBUUFSQSPPGQMFYJHMBTT
Ѽ 4OBQMPDLTZTUFNGPSFBTZBUUBDINFOU
BOESFNPWBM
Ѽ 'PSPGGSPBEVTFPOMZ
Ѽ )JHIRVBMJUZ$/$NJMMFEBMVNJOJVN
CSBLFBOEPSDMVUDIMFWFS
Ѽ 4J[FPGHBQCFUXFFOMFWFSBOEIBOEMFCBS
BEKVTUBCMFCFUXFFOGPVSQPTJUJPOT
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
45"*/-&4445&&-
'3".&(6"3%
Ѽ 1SPUFDUTGSBNFBHBJOTUTDSBUDIJOHXJUI
NJOJNBMFYUSBXFJHIU
Ѽ 0OMZBWBJMBCMFXIFSF"#4JT趑UUFE
Ѽ .BEFPGMBTFSDVUTUBJOMFTTTUFFM
0651653&%6$5*0/
/054)08/
Ѽ 3FEVDUJPOUP贽贼IQ贻贶L8
-"3(&4103540'5#"(
611&34&$5*0/0'
)"/%1305&$5034
Ѽ $BQBDJUZBQQSPY费费MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 0OFTUPSBHFDPNQBSUNFOUBDDFTTJCMF
GSPNPVUTJEF
Ѽ 0OFFYUFSJPSQPDLFUXJUIUSBOTQBSFOU
XJOEPXJO趒BQ
Ѽ .BEFPGTIBUUFSQSPPG67SFTJTUBOU
QMBTUJD
Ѽ 1SPUFDUJPOGPSIBOETXIFOSJEJOHPGG
SPBEPSJOXJOEBOESBJO
Ѽ "UUBDIFEJOQMBDFPGTNBMMTQPJMFSPO
MPXFSTFDUJPOPGIBOEQSPUFDUPS
4."--4103540'5#"(
501#09.06/5*/(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贷贵
UPBQQSPY贷贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5ISFFPVUFSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPSTNBMM
JUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ .BEFPGBMVNJOJVN
Ѽ 3PCVTUMVHHBHFHSJEJODMVEJOHBEBQUPS
QMBUF
1"%%0$,45"/%
Ѽ 4UVSEZTUBJOMFTTTUFFMTRVBSFUVCF
DPOTUSVDUJPO
Ѽ +BDLTVQNPUPSDZDMFTRVJDLMZBOE
TFDVSFMZ
Ѽ 4VJUBCMFGPSVTFPOMPPTFHSPVOE
Ѽ -POHMFWFSFOTVSFTFBTZPQFSBUJPO
1"%%0$,45"/%"%"1503
3(4"%7&/563&
-&%*/%*$"5034
5&-&-&7&3$"14
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ 4JHOJ趑DBOUMZMPOHFSCVMCMJGF
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTTXJUIUXP-&%TJOFBDI
JOEJDBUPS
Ѽ 5VSOFEBMVNJOJVNDBQTXJUIBNJMMFE
TVSGBDF
Ѽ 3FQMBDFTUBOEBSEDBQTPO5FMFMFWFS
Ѽ &OIBODFTMPPLPGNPUPSDZDMF
-&%3&"3-*()5
501:0,&$"14
Ѽ 'PSNPEFMTCVJMUVQUP贶贾贵贾
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTT
Ѽ 5VSOFEBMVNJOJVNDBQTXJUIBNJMMFE
TVSGBDF
Ѽ 3FQMBDFTUBOEBSEDBQTPOUPQZPLF
Ѽ &OIBODFTMPPLPGNPUPSDZDMF
)"/%-&#"3$3044#3"$&
4"'&5:4$3&8'030*-
'*--&3$"1
",3"107*Ì410354*-&/$&3
)1$"3#0/&/(*/&$07&3
Ѽ 67SFTJTUBOUMBDRVFSWBSOJTIFOIBODFT
MPPLT
Ѽ 8FJHIUBQQSPY贶贺费LH
贶费LHMJHIUFSUIBOTUBOEBSEWFSTJPO
Ѽ 5JUBOJVNTJMFODFS
Ѽ -BTFSFUDIFE"LSBQPWJÍMPHP
Ѽ 'JUTTUBOEBSEFYIBVTUNBOJGPME
Ѽ )PNPMPHBUFEGPSVTFPOQVCMJDSPBET
&6XJEF
Ѽ *NQSPWFEPGGSPBETUBCJMJUZ
Ѽ $BOOPUCFVTFEJODPOKVODUJPOXJUI
UBOLCBH
Ѽ 'PSHFEBMVNJOJVN
Ѽ -PDLBCMFXJUITQFDJBM"MMFOLFZ
5*/5&%8*/%4)*&-%
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
)"/%-&#"3$3044#3"$&
1"%%*/(
"/5*5)&'5"-"3.4:45&.
8*5)3&.05&$0/530Ѽ "MBSNTPVOETBOEWJTVBMXBSOJOHBSF
BDUJWBUFEJGNPUPSDZDMFJTNPWFE
Ѽ $BOCFEJTBSNFECZLFZPSSFNPUFMZ
Ѽ 'VMMZQSPHSBNNBCMFBSNJOHDPEF
#.8.05033"%"4$
Ѽ -BSHFMZQSFWFOUTSFBSXIFFMTQJO
Ѽ *NQSPWFTTBGFUZBOEUSBDUJPO
Ѽ $BOCFEJTFOHBHFEBUBOZUJNFWJBBCVUUPO
Ѽ 3FUSP趑UPOMZQPTTJCMFPONPEFMTXJUI"#4
)1$"3#0/)&"5
1305&$503'0345"/%"3%
4*-&/$&3/054)08/
Ѽ 4UZMJTIMPPLT
Ѽ 'PSBNPSFEZOBNJDBOEEJTUJODUJWF
MPPL
3(4"%7&/563&
Ѷ5IBUXBTBUPUBMMZEJGGFSFOUUZQFPGDIBMMFOHF8IFO
CSFBLJOHUIJTSFDPSEJUXBTKVTUNFBOEUIFSPBEѭJUXBT
QSPCBCMZRVJUFBOFHPUJTUJDBMFYFSDJTFѶ%JTDPWFSPVS
&BSUIѷXBTMJLFBNBSBUIPOXIFSF*IBEUPMFBEBMBSHF
UFBNPGJOEJWJEVBMSJEFST5IBUNBEFUIJOHTWFSZDPNQMJ
DBUFECVUBMTPWFSZWFSZSFXBSEJOHѷ)FBEMJOFTXFSF
XSJUUFOBCPVUUIFSJEFSTXIFSFWFSUIFZXFOUBOEBT
TPPOBTIFHPUIPNF,FWJOѳTQIPOFTUBSUFESJOHJOHXJUI
SFRVFTUTUPUBLFQBSUJOUIFOFYUSPVOEUIFXPSMEUSJQ"T
TVDIIFJTOPXCVTZQMBOOJOHUIFOFYUѶ%JTDPWFSPVS
&BSUIѷFYQFEJUJPOTDIFEVMFEGPS贶贾贵贷
5P趑OEPVUNPSFWJTJUXXXHMPCFCVTUFSTDPN
5SBWFMMJOHBSPVOEUIFXPSMETPMPJTOPFBTZUBTLѭBOE
UBLJOH贷贾PUIFSSJEFSTXJUIZPVJTBOPUIFSDIBMMFOHF
FOUJSFMZ:FUUIBUJTKVTUXIBU(4SJEFS,FWJO4BOEFST
EJEDPWFSJOH贸贾贾贾贾NJMFTJO贶贸贼EBZTSJEJOHUISPVHI
贶贻DPVOUSJFTBOETJYDPOUJOFOUTPOBSFDPSECSFBLJOH
FJHIUNPOUIUSJQBSPVOEUIFXPSME
,FWJOSFBMJ[FEUIFSFXFSFQMFOUZPGSJEFSTPVUUIFSF
XIPXPVMEMPWFUPTFFUIFHMPCFPOUIFJSCJLFCVU
EJEOѳUIBWFUIFDPO趑EFODFPSEFTJSFUPEPTPPO
UIFJSPXO4PIFTFUBCPVUQVUUJOHUPHFUIFSUIFUSJQ
PGBMJGFUJNFGPSUIFTFUZQFTPGJOEJWJEVBMT5IF
QMBOOJOHBMPOFGPSIJTѶ%JTDPWFSPVS&BSUIѷUPVSUPPL
贵贼NPOUITUIPVHI,FWJOSFDFJWFEWBMVBCMFTVQQPSU
GSPNUIFUFBNBU(MPCF#VTUFST.PUPSDZDMF
&YQFEJUJPOTBOE&EFMXFJTT#JLF5SBWFM
5808)&&-&%"%7&/563&34)"7&#&&/
"306/%"4-0/("45)&.0503#*,&
5)&:&91-03&5)&'635)&45'-6/(
$03/&340'0631-"/&5"/%$0.&
50#&4)"1&%"/%%&'*/&%#:5)&*3
&91&3*&/$&4."/:0'5)&4&(-0#"-
3*%&344)"3&"%&&1-07&'03#.8
.05033"%(4.0%&-4ѭ5)&4&30#645
'"*5)'6-."$)*/&4.",&5)&1&3'&$5
53"7&--*/($0.1"/*0//0."55&3
)08506()5)&5&33"*/.":#&
)"7&.0503$:$-&
8*--3*%&"/%3*%&
5IFUSJQBUUSBDUFESJEFSTGSPNBSPVOEUIFXPSMEBOE
UPVSCFHBOBOEFOEFEJOUIF"VTUSJBO"MQT*OUPUBM
UIF贷贾SJEFSTDPWFSFEPOFNJMMJPONJMFT贵贺NJMMJPO
LJMPNFUSFT
CFUXFFOUIFNPWFSUIFDPVSTFPGUIF
FJHIUNPOUIFYQFEJUJPO&BDINPUPSCJLFSFRVJSFEBO
BWFSBHFPG趑WFTFUTPGUZSFTBOEBSPVOE贸贾贾贾MJUSFTPG
GVFMXIJMFBMUJUVEFTWBSJFECZBTNVDIBT贸贼贾贾
NFUSFTEVSJOHUIFUSJQ
,FWJOXIPJTBMTPUIFGPVOEFSPG(MPCF#VTUFSTB
#.8USBWFMQBSUOFS
MFEUIFUSJQBOEPODFFWFSZPOF
IBESFUVSOFETBGFMZIPNFDPNNFOUFEѶ*UXBTBO
JODSFEJCMFBEWFOUVSFBOEBUSVMZVOCFMJFWBCMFFY
QFSJFODF8FTBXUIFTUBSUPGUIF%BLBS3BMMZJO
#VFOPT"JSFTBOEXBUDIFEUIFTVOTFUPWFS"ZFST
3PDLXFUPPLJO.BDIV1JDDIVBOEUIF(SFBU8BMMPG
$IJOBXFDSPTTFEUIF"OEFTUIF6SBMTUIF$BS
QBUIJBOTUIF"MQTUIFFRVBUPSCPUIUSPQJDTBOEUIF
1BOBNB$BOBMBOEXFXFOUTUSBJHIUBDSPTTUIF
(PMEFO5SJBOHMFUIF4BIBSBBOEUIF3VTTJBOTUFQQF
"OEPOUPQPGBMMUIBUXFGPMMPXFEUXPMFHFOEBSZ
SPVUFTѭUIF4JML3PBEBOEUIF1BO"NFSJDBO
)JHIXBZѷ
-JLFNBOZPGUIFѶ%JTDPWFS0VS&BSUIѷSJEFST,FWJO
EFDJEFEUPNBLFUIFUSJQPOB#.83贵贶贾贾(4
"EWFOUVSF"OEIFBMXBZTDIPPTFT(4NBDIJOFTGPSIJT
JODSFEJCMFFYQFEJUJPOT"DDPSEJOHUPIJNUIF#.8
.PUPSSBENPEFMTTVSQBTTFEUIFNTFMWFTUISPVHIPVUUIF
UPVSBOEOFWFSPODFMFUUIFJSSJEFSTEPXO*OGBDUUIFZ
QFSGPSNFETPXFMMUIBUUIFZFWFONBOBHFEUPXJOPWFS
SJEFSTPGPUIFSNBOVGBDUVSFSTѳCJLFTBT,FWJOFYQMBJOT
Ѷ0WFSUIFDPVSTFPG贸贾贾贾贾NJMFTXFXFSFTVCKFDUFEUP
FWFSZXFBUIFSDPOEJUJPOJNBHJOBCMFBOEFYQFSJFODFE
UFNQFSBUVSFTSBOHJOHGSPNѭ贻p$UPPWFS贸贸p$8F
DPWFSFEBMMUZQFTPGUFSSBJODSPTTFEEFTFSUTBOE
NPVOUBJOSBOHFTBOEFYQFSJFODFESBJOIFBUIVNJEJUZ
DPMEBOEEVTUBTXFMMBTQMPVHIJOHUISPVHINVEBOE
GPSHJOHDPVOUMFTTSJWFST:FUUIF#.8TPWFSDBNFFWFSZ
TJOHMFDIBMMFOHFXFGBDFEѭUIFZEJEOѳUGBJMVTBUBMMѷ
.PTUQBSUJDJQBOUTPOUIFUSJQBMTPPQUFEGPSUIF3贵贶贾贾
(4"EWFOUVSFBOEUIFNBDIJOFTMJWFEVQUPUIFJS
SFQVUBUJPOFYQFSJFODJOHGFXFSQSPCMFNTBOESFRVJSJOH
GFXFSSFQBJSTUIBOBOZPUIFSUZQFPGCJLFVTFEGPSUIFUSJQ
(FOFSBMMZBMMUIFSJEFSTOFFEFEUPDPODFSOUIFNTFMWFT
XJUIXBTSFNFNCFSJOHUPSFGVFMBOEOPUMPTJOHUIFJS
JHOJUJPOLFZѶ"GFXPGUIFHVZTPQUFEGPSPUIFSNBOV
GBDUVSFSTѳNBDIJOFTZFUXIFOUIFZTBXGPSUIFNTFMWFT
KVTUIPXMJUUMFNBJOUFOBODFUIF#.8TOFFEFETFWFSBM
PGUIFNTUBSUFEUBMLJOHBCPVUQJDLJOHPOFVQPODFUIFZ
HPUCBDLѷOPUFT,FWJOXJUIBTNJMF
5IF&OHMJTINBO趑SNMZCFMJFWFTUIBUUIFѶ%JTDPWFSPVS
&BSUIѷUPVSXBTUIFCJHHFTUDIBMMFOHFIFIBTVOEFS
UBLFOUPEBUF5IBUNBZJOJUJBMMZTPVOETVSQSJTJOHXIFO
ZPVDPOTJEFSIFPODFUSBWFMMFEBSPVOEUIFXPSMEJOKVTU
贵贽EBZTPOB#.83贵贵费贾(4FBSOJOHIJNTFMGBQMBDF
JOUIF(VJOOFTT#PPLPG3FDPSET:FUIFFYQMBJOT
6/45011"#-&&/%630
'(4
#.8.05033"%"4$
)"/%(6"3%48*5)-"3(&)"/%1305&$5034
"/%410*-&3"55"$).&/5
#"$,3&451"%
'03501#09
5"/,#"(
5*/5&%8*/%4)*&-%
7"3*"#-&501#09
-084&"5
*//&3#"('03
7"3*"#-&501#09
)&"%-*()5(6"3%
-&%3&"3-*()5
-&%*/%*$"5034
7"3*"#-&1"//*&34
*//&3#"('03
7"3*"#-&1"//*&34
",3"107*Ì410354*-&/$&3
&/(*/&1305&$5*0/#"3
1-"45*$#"4)1-"5&
4"/5*"(0#0054
'JSTUSBUFQSPUFDUJPOFYDFMMFOU
DPNGPSUBOEUJNFMFTTTUZMFѭXIBU
NPSFDPVMEBOBEWFOUVSFSJEFSXBOU 5IF4BOUJBHPCPPUJTEFTJHOFE
TQFDJ趑DBMMZGPSUIFEFNBOETPG
FOEVSPNPUPSDZDMJOHѭ贵贾贾,FWMBS
QSPUFDUPSTBOEJOTFSUTQSPUFDU
TFOTJUJWFBSFBTBSPVOEUIFGPPU
XIJMFTUBJOMFTTTUFFMDBQTNBYJNJ[F
EVSBCJMJUZ)JHIRVBMJUZMFBUIFSBOEB
(03&5&9nNFNCSBOFQSPWJEF
MBTUJOHQSPUFDUJPOBHBJOTUXJOEBOE
SBJONBLJOHUIFCPPUUIFJEFBMDIPJDF
GPSGSFRVFOUZFBSSPVOEBOEMPOH
EJTUBODFSJEFST
$&/53&45"/%
6/45011"#-&&/%630
'(4
#"$,3&451"%'03
"-6.*/*6.501#09
410*-&3"55"$).&/54'03
-"3(&)"/%1305&$5034
5"/,#"(
)"/%(6"3%4
"-6.*/*6.501#09
'6/$5*0/"-*//&3#"(
'03"-6.*/*6.501#09
5063*/(8*/%4)*&-%
3"--:4&"5
501#09.06/5*/(
)&"%-*()5(6"3%
-&%*/%*$"5034
",3"107*Ì41035
4*-&/$&3
"69*-*"3:)&"%-*()5
"-6.*/*6.1"//*&3
3"--:&(-07&4
,FFQB趑SNHSJQPOQSPDFFEJOHT
XIBUFWFSUIFUFSSBJOXJUIUIF
3BMMZFHMPWFTGSPN#.8.PUPSSBE
5IFZGFBUVSF4VQFS'BCSJDNBUFSJBM
XIJDIPGGFSTTVQFSJPSBCSBTJPO
SFTJTUBODFBTXFMMBTJODSFBTFE
趒FYJCJMJUZ(FOFSPVTMZTJ[FEMFBUIFS
GBTUFOFSTFOTVSFBQFSGFDU趑UBOE
BMTPNBLFUIFHMPWFTFBTZUPQVU
PO0OSPBEBOEPGGUIFTFHMPWFT
DBOIBOEMFBOZDIBMMFOHF
'6/$5*0/"-*//&3#"(
'03"-6.*/*6.1"//*&3
&/(*/&1305&$5*0/#"3
&/%630"-6.*/*6.
#"4)1-"5&
$&/53&45"/%
#.8.05033"%
/"7*("503*7
#.8.05033"%"4$
/054)08/
Ѽ -BSHFMZQSFWFOUTSFBSXIFFMTQJO
Ѽ *NQSPWFTTBGFUZBOEUSBDUJPO
Ѽ $BOCFEJTFOHBHFEBUBOZUJNFWJBB
CVUUPO
Ѽ %JNFOTJPOT贵贷贺Y贼贷Y贶贸DN
SPCVTUXBUFSQSPPGUP*19贻TUBOEBSE
GVFMSFTJTUBOUBOETIPDLQSPPG
Ѽ .POJUPS贺费贾贾贾DPMPVS5'5
UPVDITDSFFO贽贻Y费贻DN贸贷JODIFT
XJUIBVUPNBUJDEBZOJHIUNPEF
贸贼贾Y贶贻贶QJYFMTBOEIJHIDPOUSBTU
OPOSF趒FDUJWF67SFTJTUBOUEJTQMBZ
Ѽ 1PXFSTVQQMZSFNPWBCMFMJUIJVNJPO
CBUUFSZDIBSHFEBVUPNBUJDBMMZWJBPO
CPBSEFMFDUSJDT0QFSBUJPOUJNFXIFO
EJTDPOOFDUFEGSPNQPXFSTVQQMZ
PGVQ
UP趑WFIPVST
Ѽ 8JSFMFTT#MVFUPPUInUFDIOPMPHZ
OBWJHBUJPOJOTUSVDUJPOTWJB#MVFUPPUIn
IFMNFUTPSIFBETFUTEBUBFYDIBOHF
CFUXFFOUXP/BWJHBUPS*7VOJUT
#MVFUPPUInNPCJMFQIPOFT
Ѽ "VEJPDPOOFDUJPO64#DPOOFDUJPO
NJDSP4%DBSETMPU.1贷GVODUJPOUSBDL
BOESPVUFTBWJOH.$9KBDL
"-6.*/*6.1"//*&34
Ѽ &BTZPQFSBUJPOXIFOXFBSJOHHMPWFT
BEWBODFENPVOUDSBEMFXJUIGPVS
CVUUPOTѶѷѶѭѷ[PPNJO[PPNPVU
PWFSNBQT
Ѷ1BHFѷDIBOHFCFUXFFO
NBQWJFXUSJQDPNQVUFSBOENFEJB
QMBZFS
Ѷ4QFBLѷQMBZCBDLDVSSFOU
OBWJHBUJPOJOTUSVDUJPOT
Ѽ .BQEBUBGPS贸贾DPVOUSJFTJO&BTUFSO
BOE8FTUFSO&VSPQFQSFJOTUBMMFE
Ѽ *ODMVEFTO¼.BQT-JGFUJNFGSFFNBQ
VQEBUFTGPSMJGFUJNFPGTBUFMMJUF
OBWJHBUJPOEFWJDF
Ѽ *ODMVEFT.BQ4PVSDFԂTPGUXBSFPO
%7%
Ѽ .VMUJSPVUFQSFWJFXMBOFBTTJTUXJUI
贷%KVODUJPOWJFX贷%CVJMEJOHTFUD
Ѽ .PEFMTQFDJ趑DDSBEMF
Ѽ 'PS'贼贾贾(4POMZ
Ѽ $BQBDJUZBQQSPY贻贻MJUSFT
贸贶MJUSFTSJHIU贷费MJUSFTMFGU
Ѽ 3FJOGPSDFEFEHFT
Ѽ %FUBDIBCMFMJE
"-6.*/*6.501#09
'6/$5*0/"-*//&3#"('03
"-6.*/*6.1"//*&3
Ѽ 'PS'贼贾贾(4POMZ
Ѽ 'PMEBXBZDBSSZIBOEMFTBOE
EFUBDIBCMFTIPVMEFSTUSBQ
Ѽ 8BUFSQSPPG
Ѽ $BOBMTPCFVTFEPOUPQPGQBOOJFST
Ѽ 'PS'贼贾贾(4POMZ
5IJTQMBJOBMVNJOJVNDBTFCPBTUTB
DBQBDJUZPGVQUP贷贶MJUSFTXIJMFBO
BEEJUJPOBMDBSSZIBOEMFLJUDPNQSJTJOHB
IBOEMFBOEGPVSTUSBQTJTJEFBMGPS
BUUBDIJOHBEEJUJPOBMQJFDFTPGMVHHBHF
$"33:)"/%-&'03
"-6.*/*6.1"//*&3
03501#09
Ѽ 'PS'贼贾贾(4POMZ
Ѽ 4FUJODMVEFTDBSSZIBOEMFBOEGPVS
TUSBQT
Ѽ $BOBMTPCFVTFEUPTFDVSFBEEJUJPOBM
MVHHBHFUPBMVNJOJVNQBOOJFSTPSUPQ
CPY
"650."5*$$)"*/
-6#3*$"5*0/4:45&.
/054)08/
1"//*&3.06/5*/(4'03
"-6.*/*6.1"//*&34
Ѽ 'PS'贼贾贾(4POMZ
Ѽ .BEFPGFMFDUSPQPMJTIFETUBJOMFTTTUFFM
4."--4103540'5#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贷贵
UPBQQSPY贷贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPSTNBMM
JUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
'6/$5*0/"-*//&3#"('03
"-6.*/*6.501#09
Ѽ 'PS'贼贾贾(4POMZ
Ѽ 'PMEBXBZDBSSZIBOEMFTBOE
EFUBDIBCMFTIPVMEFSTUSBQ
Ѽ 8BUFSQSPPG
0651653&%6$5*0/
/054)08/
Ѽ 3FEVDUJPOUP贸贼IQ贷费L8
#"$,3&451"%'03
"-6.*/*6.501#09
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
'(4
'(4
501#09.06/5*/(
Ѽ 'PS'贼贾贾(4POMZ
Ѽ .BEFPGFMFDUSPQPMJTIFETUFFM
Ѽ "TUVSEZMVHHBHFHSJEGPSNPVOUJOHB
UPQCPY
4."---6(("(&(3*%
*//&3#"('037"3*"#-&
1"//*&34
Ѽ 'PBNDPSOFSTFDUJPOTGPSJNQSPWFE
JNQBDUQSPUFDUJPO
Ѽ 8BUFSQSPPG
Ѽ %FUBDIBCMFDBSSZTUSBQ
Ѽ 5XPFYUSBDPNQBSUNFOUT
5"/,#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贵贶
UPBQQSPY贵贻MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ "贸TJ[FENBQQPDLFUXJUIJOOPWBUJWF
DSBEMFGPSNPCJMFQIPOFTFUD
&/%6303&"3#"(
Ѽ "SPCVTUBMVNJOJVNQMBUFGPSDBSSZJOH
MVHHBHF
7"3*"#-&501#09
Ѽ $BQBDJUZDBOCFBEKVTUFECZNPWJOHB
CBS
Ѽ $BQBDJUZBQQSPY贶费UP贷费MJUSFT
Ѽ "UUBDIFTUPMBSHFMVHHBHFHSJE
Ѽ *EFBMGPSDBSSZJOHTNBMMJUFNTBOEUPPMT
Ѽ $BQBDJUZBQQSPY贷MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 7FMDSPTUSJQTPOJOTJEF
-6(("(&(3*%
Ѽ *ODMVEFTBEBQUPSQMBUF
7"3*"#-&1"//*&34
1"//*&3.06/5*/(4
Ѽ 4FDVSFUIFWBSJBCMFQBOOJFSTJOQMBDF
Ѽ 'JUTFBNMFTTMZJOUPPWFSBMMEFTJHO
5IFWBSJBCMFQBOOJFSTGFBUVSFBQBUFOUFE
BEKVTUNFOUNFDIBOJTNUIBUNBLFTUIFN
UIFJEFBMUSBWFMMJOHDPNQBOJPOPOMPOH
BOETIPSUKPVSOFZTBMJLFPOPSPGGSPBE
5IFJSDBQBDJUZDBOCFBEKVTUFETJNQMZ
CZNPWJOHBCBSJOTJEF*OUIFTNBMMFS
DPO趑HVSBUJPOUIFXJEUIJTSFEVDFECZVQ
UP贵贶贾NJMMJNFUSFTNBLJOHUIFNQFSGFDU
GPSFWFSZEBZSJEJOH
Ѽ $BQBDJUZBQQSPY贶贼UP贷贼MJUSFTPOUIF
SJHIUIBOETJEFBOE贵贽UP贶贽MJUSFTPO
UIFMFGU
#"$,3&451"%'037"3*"#-&
501#09
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
'(4
'(4
5063*/(8*/%4)*&-%
)"/%(6"3%4
Ѽ 'PS'贼贾贾(4POMZ
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ *NQSPWFEQSPUFDUJPOBHBJOTUXJOE
BOESBJO
Ѽ $MPTFEMPPQTNBEFPGIJHITUSFOHUI
FMFDUSPQPMJTIFETUFFM
Ѽ $BOCFBVHNFOUFEXJUITNBMMPSMBSHF
IBOEQSPUFDUPSTBOETQPJMFS
BUUBDINFOUTGPSMBSHFIBOEQSPUFDUPST
Ѽ &GGFDUJWFQSPUFDUJPOGPSIBOETBOE
DPOUSPMT
4."--)"/%1305&$5034
8*%&&/%630'0051&(4
4."--$-&"38*/%4)*&-%
)&"%-*()5(6"3%
Ѽ 'PS'贼贾贾(4POMZ
BTTUBOEBSEPO'贻贾贾(4
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ 1SPUFDUTIFBEMJHIUBHBJOTU趒ZJOH
TUPOFTJOPGGSPBEVTF
Ѽ .BEFPGTIBUUFSQSPPGQMFYJHMBTT
Ѽ 'PSPGGSPBEVTFPOMZ
Ѽ 4OBQMPDLTZTUFNGPSFBTZBUUBDINFOU
BOESFNPWBM
Ѽ 1SFWFOUTMJQQJOHXIFOSJEJOHJOBTUBOEJOHQPTJUJPO
Ѽ .BEFPGEJFDBTUIJHIBMMPZTUBJOMFTTTUFFM
Ѽ 8JEUI费贾DN贾贽DNXJEFSUIBOTUBOEBSEWFSTJPO
Ѽ -FOHUI贼贸DN贾贷DNMPOHFSUIBOTUBOEBSEWFSTJPO
Ѽ 0QUJPOBMSVCCFSBUUBDINFOUGPSHSFBUFSDPNGPSU
Ѽ $PNCJOFXJUIUIFIBOEHVBSET
Ѽ &GGFDUJWFQSPUFDUJPOGPSIBOETBOE
DPOUSPMT
Ѽ .BEFPGSPCVTUTIBUUFSQSPPG
QPMZBNJEFQMBTUJD
-"3(&)"/%1305&$5034
Ѽ $PNCJOFXJUIUIFIBOEHVBSET
SFQMBDJOHUIFTNBMMIBOEQSPUFDUPST
Ѽ &GGFDUJWFQSPUFDUJPOGPSIBOETBOE
DPOUSPMT
Ѽ .BEFPGSPCVTUTIBUUFSQSPPG
QPMZBNJEFQMBTUJD
-"3(&$-&"38*/%4)*&-%
Ѽ 'PS'贻贾贾(4POMZ
BTTUBOEBSEPO'贼贾贾(4
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
-&%*/%*$"5034
4."--5*/5&%8*/%4)*&-%
-"3(&5*/5&%8*/%4)*&-%
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ 'PSJODSFBTFEWJTVBMJNQBDU
Ѽ 'PS'贻贾贾(4POMZ
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ "EEBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ 4JHOJ趑DBOUMZMPOHFSCVMCMJGF
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTTXJUIUXP-&%TJOFBDIJOEJDBUPS
410*-&3"55"$).&/54'03
-"3(&)"/%1305&$5034
Ѽ &GGFDUJWFQSPUFDUJPOGPSIBOETBOE
DPOUSPMT
Ѽ &GGFDUJWFQSPUFDUJPOBHBJOTUXJOE
BOESBJO
Ѽ .BEFPGSPCVTUTIBUUFSQSPPG
QPMZBNJEFQMBTUJD
'(4
'(4
"/5*5)&'5"-"3.4:45&.
8*5)3&.05&$0/530Ѽ "MBSNTPVOETBOEWJTVBMXBSOJOHBSF
BDUJWBUFEJGNPUPSDZDMFJTNPWFE
Ѽ $BOCFEJTBSNFECZLFZPSSFNPUFMZ
Ѽ 'VMMZQSPHSBNNBCMFBSNJOHDPEF
-&%"69*-*"3:)&"%-*()5
Ѽ 'PS'贼贾贾(4NPEFMTCVJMUGSPN贶贾贵贷
POMZ
Ѽ 1PXFSGVMXJUIQFSGPSNBODFCBSFMZ
EFUFSJPSBUJOHPWFSUJNF
Ѽ %JFDBTUBMVNJOJVNIPVTJOH
Ѽ #FUUFSGPSTFFJOHBOECFJOHTFFO
Ѽ -PXFMFDUSJDJUZDPOTVNQUJPO
-084&"5
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贻贾贾(4贻贽贾NN贵贺贻贾NN
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贼贾贾(4贼费贾NN贵贼贼贾NN
1-"45*$#"4)1-"5&
&/%630"-6.*/*6.#"4)1-"5&
Ѽ 'PS'贻贾贾(4POMZBTTUBOEBSEPO'贼贾贾(4
Ѽ 1SPUFDUTBHBJOTU趒ZJOHTUPOFT
Ѽ .BEFPGTIBUUFSQSPPGQMBTUJD
Ѽ &YUSFNFMZTUVSEZDPOTUSVDUJPO
Ѽ 4QFDJBMMZEFTJHOFEGPSPGGSPBEVTF
&/(*/&1305&$5*0/#"3/054)08/
Ѽ 4UVSEZTUBJOMFTTTUFFMUVCFDPOTUSVDUJPO
Ѽ 4VJUBCMFGPSPGGSPBEVTF
3"--:4&"5
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贻贾贾(4贼贺贾NN贵贼贻贾NN
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贼贾贾(4贽贶贾NN贵贽贽贾NN
Ѽ "UXPUPOFTFBUXJUITQPSUZMPPLT
EFTJHOFEGPSPGGSPBEFOUIVTJBTUT
$&/53&45"/%
$0.'0354&"5
8IFUIFSZPVѳSFUSBWFMMJOHPOPSPGGSPBEJG
ZPVXBOUUPNBLFTVSFZPVSNPUPSDZDMF
TUBZTVQSJHIUXIFOJUѳTQBSLFEUIFDFOUSF
TUBOEJTBOFTTFOUJBMPQUJPO*UBMTP
NBLFTJUFBTJFSUPDBSSZPVUNBJOUFOBODF
POUIFDIBJO
Ѽ 0OFQJFDFTFBU
Ѽ *ODSFBTFEDPNGPSUGPSSJEFSBOE
QBTTFOHFS
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贻贾贾(4贼贷费NN贵贼贸贾NN
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贼贾贾(4贼贽费NN贵贽贺贾NN
Ѽ #MBDL"OUISBDJUFUXPUPOFEFTJHO
",3"107*Ì410354*-&/$&3
Ѽ 8FJHITBQQSPY贶费LH
贶贷LHMJHIUFSUIBOWFSTJPO
Ѽ 5JUBOJVNTUBJOMFTTTUFFMTJMFODFS
Ѽ $BSCPOCSBDLFU
Ѽ -BTFSFUDIFE"LSBQPWJÍMPHP
Ѽ 'JUTTUBOEBSEFYIBVTUNBOJGPME
Ѽ )PNPMPHBUFEGPSVTFPOQVCMJDSPBET&6XJEF
Ѽ &OTVSFTCJLFSFNBJOTTUBCMFPOMPPTF
TVSGBDFT
Ѽ /PUBWBJMBCMFJODPOKVODUJPOXJUI
MPXFSFETVTQFOTJPO
'(4
'(4
0GGSPBESJEJOHJTXJOOJOHFWFSNPSFGBOTUIPVHIJUJT
JNQPSUBOUUPSFNFNCFSUIBUJUSFRVJSFTBVOJRVFTFUPG
TLJMMTUIBUNVTUCFTQFDJ趑DBMMZMFBSOFE5IF
NPUPSDZDMFDJSDVJUBUUIF)FDIMJOHFO&OEVSP1BSL
PGGFSTKVTUUIFSJHIUPGGSPBEDPOEJUJPOTUPIPOFZPVS
UBMFOUTXJUIQSFDJQJDFTNVEEZTJOHMFUSBJMTCVNQZ
GPSFTUUSBDLTOBSSPXCFBUFOUSBDLTSVUTBOEBSBOHF
PGEFNBOEJOHVQIJMMBOEEPXOIJMMTUSFUDIFTPGBMM
MFOHUIT5IFOUIFSFJTUIF95SBDLXJUIJUTTUFFQ
CFOETUBCMFTBOEKVNQTUIBUBSFTVSFUPHJWFFWFO
IBSEFOFEPGGSPBEGBOTBQPXFSGVMSVTIPGBESFOBMJOF
5IFSFBSFTFWFSBMDIPJDFTPGUSBJOJOHQSPHSBNNFPO
PGGFSGSPNUIPTFGPSCFHJOOFSTXJUIMJNJUFEPSOP
FYQFSJFODFUISPVHIUPQSPHSBNNFTGPSBEWBODFE
NPUPSDZDMJTUTBOEFWFODPVSTFTGPSFYQFSUSJEFST
XIPXJTIUPNBTUFSFWFSZUZQFPGUFSSBJO:PVDBO
SJEFZPVSPXONPUPSDZDMFPSIJSFPOFPGUIFTDIPPMѳT
'贺费贾(4'贼贾贾(43贵贶贾贾(4(贺费贾(4(贺费贾
(44FSU£P'贻贾贾(4PS3贵贶贾贾(4"EWFOUVSF
NBDIJOFTBTXFMMBTBTFMFDUJPOPGUIFMBUFTU
)VTRWBSOBPGGSPBENPEFMT
)FSFѳTBTVNNBSZPGXIBUѳTPOPGGFSBU)FDIMJOHFO
&OEVSP1BSLJO贶贾贵贷
0OFEBZFOEVSPUSBJOJOH
1SBDUJDFNBLFTQFSGFDUBOEBUUIFMBSHFUSBJOJOHBSFB
BU)FDIMJOHFOZPVXJMMMFBSOUIFCBTJDTPGPGGSPBE
SJEJOHTVDIBTIJMMTUBSUTUIFDPSSFDUMJOFPGTJHIU
BOECSBLJOHNBOPFVWSFTPOMPPTFHSPVOE&YFSDJTFT
POTVSGBDFTTVDIBTSVCCMFHSBWFMBOEGPSFTUHSPVOE
XJMMHFUZPVJOUPTIBQFGPSZPVSPXOFOEVSP
FYDVSTJPOTXIJMFUIFUFDIOJRVFTZPVMFBSOXJMMOPU
POMZIFMQZPVXIFOSJEJOHPGGUIFCFBUFOUSBDLCVU
XJMMBMTPHJWFZPVNPSFDPOUSPMXIFOPOUIFSPBE
5XPEBZFOEVSPUSBJOJOH
8JUIJUTHSBWFMUSBDLTSVCCMFUSBDLTBOETUFFQ
TMPQFTUIF)FDIMJOHFO&OEVSP1BSLPGGFSTMPUT
PGWBSJFUZXJUINBOZEJGGFSFOUMFWFMTPGEJG趑DVMUZ
&OUIVTJBTUJDFOEVSPSJEFSTDBOVOEFSHPJOUFOTJWF
USBJOJOHPOUIJTUXPEBZDPVSTFXIJDIJOWPMWFT
SJEJOHBOECSBLJOHPOMPPTFTVSGBDFTEFBMJOHXJUI
TUFFQTMPQFTBOEQJDLJOHVQBNPUPSDZDMFPOB
TUFFQHSBEJFOU5IFDPVSTFQSPWJEFTUXPGVMMEBZT
PGPGGSPBEGVO
&OEVSPUSBJOJOHGPSXPNFO
5IFSFJTBHSPXJOHOVNCFSPGGFNBMFFOEVSP
FOUIVTJBTUTBOEUIJTDPVSTFDBUFSTTQFDJ趑DBMMZUP
UIFJSSFRVJSFNFOUT5IFQSPHSBNNFJODMVEFT
CBTJDUSBJOJOHJOUIFTBGFIBOEMJOHPGUIF
NPUPSDZDMFPOMPPTFHSPVOECSBLJOHFYFSDJTFT
UIFDPSSFDUMJOFPGTJHIUBOENBTUFSJOHTNBMM
DMJNCT
6QPODPNQMFUJPOZPVXJMMIBWFUIFTLJMMT
OFDFTTBSZUPUBLFPOMFOHUIJFSPGGSPBEUPVST5IF
POFEBZDPVSTFDBOBMTPCFUBLFOPOB#.8
.PUPSSBENPEFMXJUIBMPXFSFETFBU*OBEEJUJPO
UIFUFDIOJRVFTZPVMFBSOXJMMOPUPOMZIFMQZPV
XIFOSJEJOHPGGUIFCFBUFOUSBDLCVUXJMMBMTPHJWF
ZPVNPSFDPOUSPMXIFOPOUIFSPBE
0OFEBZTQPSUTUSBJOJOH
%JTDPWFSXIBUBEWBODFEUVJUJPOPOPVSDJSDVJUBOE
95SBDLDBOEPGPSZPVSDPO趑EFODFBOESJEJOHTLJMMT
/PNBUUFSIPXFYQFSJFODFEZPVNBZCFPVSFYQFSU
JOTUSVDUPSTIBWFUIFLOPXMFEHFSFRVJSFEUPIFMQZPV
JNQSPWFZPVSBCJMJUJFT(JWFGSFFSFJOUPZPVSQBTTJPO
POPVSTPQIJTUJDBUFE)VTRWBSOBPGGSPBECJLFTBOE
EJTDPWFSKVTUIPXNVDIGVOUIFZDBOCFJOUIFSJHIU
FOWJSPONFOU0VSUXPEBZTQPSUTUSBJOJOHDPVSTF
XJMMUBLFZPVSSJEJOHUPUIFOFYUMFWFM
&OEVSPUPVST
0GDPVSTFPODFZPVѳWFBDRVJSFEZPVSPGGSPBETLJMMT
ZPVѳMMXBOUUPQVUUIFNUPVTF0VSVOJRVFUPVST
QSPWJEFUIFQFSGFDUPQQPSUVOJUZ'SPNPVSFYUFOTJWF
FYQFSJFODFPGBEWFOUVSFUSBWFMXFIBWFIBOE
QJDLFEBTFMFDUJPOPGTQFDUBDVMBSSPVUFTGPSFOEVSP
GBOTUIBUUBLFJOTPNFPGUIFNPTUCFBVUJGVMQMBDFT
UPSJEFJO&VSPQFBOE"GSJDB
*O贶贾贵贶XFSBOUPVSTUP)VOHBSZUIF.BSJUJNF"MQT
5VTDBOZ4BSEJOJB5VOJTJB3PNBOJBBOE.PSPDDP
XJUIFBDIPOFEFMJWFSJOHBOBVUIFOUJDFOEVSP
FYQFSJFODF'PS贶贾贵贷PVSUFBNJTQMBOOJOHTPNF
TQFDJBMUSJQTUPBNB[JOHEFTUJOBUJPOTѭJODMVEJOHB
NPVOUBJOIVUUPVSPOCBDLSPBETBOEUSBJMTGSPN
.VOJDIBDSPTTUIF5ZSPMUP*UBMZ
'PSGVSUIFSJOGPSNBUJPOPOFOEVSPUPVSTBOEUIFGVMM
SBOHFPGTFSWJDFTBUUIF)FDIMJOHFO&OEVSP1BSL
TFFXXXFOEVSPQBSLIFDIMJOHFOEF
(&50''5)&#&"5&/
53"$,
6/45011"#-&&/%630
((4
5"/,#"(
501#09
"/5*5)&'5"-"3.4:45&.
7"3*"#-&*/4&35
*//&3#"('03501#09
)*()5*/5&%8*/%4)*&-%
)"/%1305&$5034
)*()4&"5
7"3*"#-&1"//*&34
1"//*&3.06/5*/(4
*//&3#"('037"3*"#-&
1"//*&34
(4%SZTVJU
5IF(4%SZTVJUQSPWJEFTDPNGPSU
BOEQSPUFDUJPOBHBJOTUUIFFMFNFOUT
GPSCPUIPOSPBEBOEFOEVSPSJEJOH
*UGFBUVSFTBVOJRVFWFOUJMBUJPO
TZTUFNXJUIB;MJOFSDPOTUSVDUJPO
QSPWJEJOHBEJSFDU趒PXPGBJSUPUIF
VQQFSCPEZBOEJODPSQPSBUFT
UIFMBUFTU/1贶QSPUFDUPSTBOE
SFJOGPSDFENBUFSJBMJOUIFNPTU
WVMOFSBCMFBSFBTTPUIBUJUEFMJWFST
FYDFMMFOUQSPUFDUJPOGPSPGGSPBE
USBJMT5IFSF趒FDUJWFQSJOUPOUIF
DIFTUTMFFWFTBOECBDLNFFUT
JOUFSOBUJPOBMTUBOEBSETXIJMFBOZ
JNQPSUBOUJUFNTDBOCFTUPSFE
TFDVSFMZBOEBUBSNѳTSFBDIJOUIF
TVJUѳTTQBDJPVTQPDLFUT
"-6.*/*6.#"4)1-"5&
&/(*/&1305&$5*0/#"3
$&/53&45"/%
6/45011"#-&&/%630
((44&35ƒ0
5"/,#"(
501#09
"/5*5)&'5"-"3.4:45&.
7"3*"#-&*/4&35
*//&3#"('03501#09
)*()5*/5&%8*/%4)*&-%
)"/%1305&$5034
)*()4&"5
7"3*"#-&1"//*&34
1"//*&3.06/5*/(4
*//&3#"('037"3*"#-&
1"//*&34
&/%630)&-.&5
.BEFGPSPGGSPBEJOHCVUTVSF
UPDBUDIUIFFZFXIFOPVUPOUIF
TUSFFUUIF&OEVSPIFMNFUDBOCF
BEBQUFEJOTFDPOETUPTVJUBOZ
TUZMFPGSJEJOH*UDBOCFDPO趑HVSFE
XJUIPSXJUIPVUWJTPSBOEXJUI
PSXJUIPVUQFBLXJUIPVUFWFS
DPNQSPNJTJOHJUTTQPSUZMPPLT
*UJTNBEFGSPNUIF趑OFTURVBMJUZ
NBUFSJBMTXJUIFYQBOEFEQPMZTUZSPM
CFJOHVTFEGPSUIF趑WFTFDUJPO
JOOFSTIFMMBOE趑CSFHMBTTSFJOGPSDFE
QMBTUJDGPSUIFPVUFSTIFMM"OEXJUI
BDIPJDFPGUISFFTJ[FTBWBJMBCMFJUѳT
TVSFUP趑UBOZIFBE
"-6.*/*6.#"4)1-"5&
&/(*/&1305&$5*0/#"3
5"/,#"(
1"//*&3.06/5*/(4
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贵贷
UP贵贻MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ .BQQPDLFUXJUIJOOPWBUJWFDSBEMFGPS
NPCJMFQIPOFTFUD
Ѽ &YUFSJPSQPDLFU
Ѽ 4FDVSFUIFWBSJBCMFQBOOJFSTJOQMBDF
Ѽ 'JUTFBNMFTTMZJOUPPWFSBMMEFTJHO
7"3*"#-&*/4&35
Ѽ "EKVTUBCMFPVUFSSJNXJUI7FMDSP
GBTUFOFSUPTFUXJEUI
Ѽ "EKVTUBCMFJOUFSJPSEJWJEFST
Ѽ "EKVTUBCMFDPWFS
Ѽ 'JUTJOBMNPTUBMM#.8.PUPSSBE
UBOLCBHT
*//&3#"('037"3*"#-&
1"//*&34
4*/(-&4&"58*5)-6(("(&
$0.1"35.&/5
Ѽ 'PBNDPSOFSTFDUJPOTGPSJNQSPWFE
JNQBDUQSPUFDUJPO
Ѽ 8BUFSQSPPG
Ѽ %FUBDIBCMFDBSSZTUSBQ
Ѽ 5XPFYUSBDPNQBSUNFOUT
Ѽ $BQBDJUZBEKVTUBCMFXJUI[JQ
Ѽ 4FBUIFJHIUTUFQMFOHUI
贻贼贾NN贵贻贻贾NN
Ѽ "MPDLBCMFMVHHBHFDPNQBSUNFOUUIBU
SFQMBDFTUIFQJMMJPOTFBU
Ѽ -VHHBHFDBOCFTFDVSFEXJUIMBTIJOH
TUSBQT
501#09
7"3*"#-&1"//*&34
Ѽ $BQBDJUZBQQSPY贷贵MJUSFT
Ѽ 4QBDFGPSPOFIFMNFU
5IFWBSJBCMFQBOOJFSTGFBUVSFBQBUFOUFE
BEKVTUNFOUNFDIBOJTNUIBUNBLFTUIFN
UIFJEFBMUSBWFMMJOHDPNQBOJPOPOMPOH
BOETIPSUKPVSOFZTBMJLFPOPSPGGSPBE
5IFJSDBQBDJUZDBOCFBEKVTUFETJNQMZ
CZNPWJOHUIFUXPMFWFSTJOTJEF*OUIF
TNBMMFSDPO趑HVSBUJPOUIFXJEUIJT
SFEVDFECZVQUP贵贶贾NJMMJNFUSFTNBLJOH
UIFNQFSGFDUGPSFWFSZEBZSJEJOH
4."--4103540'5#"(
*//&3#"('03501#09
Ѽ )JHIMZXBUFSSFQFMMFOU
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贷贵
UPBQQSPY贷贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5ISFFPVUFSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPSTNBMM
JUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ $BQBDJUZBQQSPY贶贼UP贷贼MJUSFTPOUIF
SJHIUIBOETJEFBOE贵贽UP贶贼MJUSFTPO
UIFMFGU
)*()4&"5
Ѽ 'PS(贺费贾(4POMZ
Ѽ 4FBUIFJHIUTUFQMFOHUI
贼贶贾NN贵贼费贾NN
((4
((44FSU£P
)"/%1305&$5034
Ѽ 'PS(贺费贾(4POMZ
Ѽ &GGFDUJWFQSPUFDUJPOGPSIBOETBOE
DPOUSPMT
Ѽ &GGFDUJWFQSPUFDUJPOBHBJOTUXJOEBOE
SBJO
)*()5*/5&%8*/%4)*&-%
"-6.*/*6.#"4)1-"5&
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ *NQSPWFEQSPUFDUJPOBHBJOTUXJOEBOE
SBJO
Ѽ 'PSJODSFBTFEWJTVBMJNQBDU
Ѽ 1SPUFDUTFOHJOFBHBJOTUTUPOFJNQBDUT
BOEHSPVOETUSJLFTJOMJHIUPGGSPBEVTF
)*()8*/%4)*&-%
Ѽ 'PS(贺费贾(4POMZ
Ѽ *NQSPWFEQSPUFDUJPOBHBJOTUXJOEBOESBJO
-085*/5&%8*/%4)*&-%
Ѽ 'PSJODSFBTFEWJTVBMJNQBDU
$&/53&45"/%
Ѽ 'PS(贺费贾(4POMZ
Ѽ &OTVSFTCJLFSFNBJOTTUBCMFPOMPPTF
TVSGBDFT
"/5*5)&'5"-"3.4:45&.
8*5)3&.05&$0/530Ѽ "MBSNTPVOETBOEWJTVBMXBSOJOHBSF
BDUJWBUFEJGNPUPSDZDMFJTNPWFE
Ѽ $BOCFEJTBSNFECZLFZPSSFNPUFMZ
Ѽ 'VMMZQSPHSBNNBCMFBSNJOHDPEF
&/(*/&1305&$5*0/#"3
Ѽ 4UVSEZTUFFMUVCFDPOTUSVDUJPO
Ѽ 0OMZBWBJMBCMFJODPOKVODUJPOXJUI
BMVNJOJVNCBTIQMBUF
((4
((44FSU£P
+0*/5)&#.8.05033"%
$0..6/*5:
#.8.05033"%)"4-"6/$)&%"/&8
0/-*/&/&5803,5)"5*43&70-6
5*0/*;*/(5)&8":1&01-&1-"/50634
.&&5'3*&/%4"/%4)"3&5)&*3
&91&3*&/$&45)&#.8.05033"%
$0..6/*5:*4"40$*"-/&5803,*/(
500-8*5)"%*''&3&/$&"4*5*4.03&
"#0655)&3&"-803-%5)"/5)&
7*356"-0/&
5IFBJNPGUIFDPNNVOJUZJTUPQSPWJEFBQMBUGPSN
GPSQFPQMFXIPTIBSFBMPWFPGSJEJOHUP趑OEFBDI
PUIFSBSSBOHFUSJQTBOETQFOENPSFUJNFUIBOFWFS
PVUPOUIFSPBE5IF#.8.PUPSSBE$PNNVOJUZJT
TQMJUJOUPGPVSNBJOBSFBTBOENFNCFSTIBWFBDDFTT
UPBSBOHFPGUPPMT5PVS'JOEFS1SP趑MF1IPUPTBOE
.FFUBOE3JEF5PVS'JOEFSJTPOFPGUIFNPTU
FYDJUJOHGFBUVSFTPGGFSJOHIVHFTDPQFGPSQMBOOJOH
BOEEJTDPWFSJOHUPVSTMBTUJOHBOZUIJOHGSPNBEBZUP
NPSFUIBOBNPOUIBOEGSPNBTJOHMFLJMPNFUSFUP
NPSFUIBO贵贾贾贾贾LN5IFMFWFMDBOCFTFUBUFBTZ
NFEJVNPSIBSEXJUIPQUJPOTGPSFOEVSPSPBETUFS
UPVSBOETQPSUCJLFT5IFTJNQMFTFBSDIUPPMMFUT
NFNCFSTFOUFSBEFTUJOBUJPODPVOUSZUIFOBEKVTU
EVSBUJPOEJG趑DVMUZBOEEJTUBODFXJUIVTFSGSJFOEMZ
TMJEFST5PVS'JOEFSXJMMUIFOTVHHFTUSPVUFTCBTFEPO
UIPTFDSJUFSJB
"MUFSOBUJWFMZUIFUPPMDBOCFVTFEUPEFTJHOBOFX
UPVSѭSJEFSTTJNQMZDMJDLPOUIFJOUFSBDUJWFNBQ
UPNBSLPVUUIFJSSPVUFUIFOHJWFJUBOBNFBOE
EFTDSJQUJPO3JEFSTDBOSBUFFBDIPUIFSTѳUPVSTVTJOH
BTUBSSBUJOHPSUIVNCTVQUIVNCTEPXOJDPOBT
XFMMBTMFBWJOHBDPNNFOUBCPVUBUPVSBOEVQMPBE
QIPUPTBOEWJEFPTPGUIFJSPXOQBSUJDJQBUJPO.BOZ
VTFSTIBWFBMSFBEZDPOUSJCVUFEUIFJSGBWPVSJUFSJEFTѭ
FOUSJFTIBWFCFFONBEFBDSPTTUIFXPSMEHJWJOH
JOTJEFLOPXMFEHFPGUIFCFTUQMBDFTGPSWJTJUPSTBOE
BEWFOUVSFUSBWFMMFSTUPFYQMPSF
.FFUBOE3JEFJTBOPUIFSLFZBSFBXJUIJOUIFDPNNVOJUZѭJU
BMMPXTVTFSTUP趑OEFBDIPUIFSBOEPSHBOJ[FBSJEF.FNCFST
DBOFJUIFSQMBOBUSJQBOEJOWJUFPUIFSTUPKPJOUIFNPSCSPXTF
SFRVFTUTGPSSJEJOHQBSUOFSTBOE趑OEBUSJQUIFZXPVMEMJLFUP
KPJO5IFZDBOUIFOBSSBOHFXIFOBOEXIFSFUPNFFUVTJOHB
NFTTBHFTZTUFN.FFUBOE3JEFJTBOJEFBMXBZUPHFUUP
LOPXOFXDPNQBOJPOTPSUPBSSBOHFUPNFFUVQXJUIGSJFOET
5IF#.8.PUPSSBE$PNNVOJUZIBTBMTPUBLFODBSFPGUIF
POMZQPUFOUJBMQSPCMFNDBVTFECZTVDIBQBDLFETPDJBM
DBMFOEBS5IF3PVUF%JBSZXIJDIJTBVUPNBUJDBMMZVQEBUFE
XIFONFNCFSTQMBOPSKPJOBSPVUFNBLFTLFFQJOHUSBDLPG
QMBOTTJNQMFQSPWJEJOHJOTUBOUBDDFTTUPEFUBJMTPGBOZ
BSSBOHFNFOUTNBEFUISPVHIUIFTJUF
5IF.Z1SP趑MFTFDUJPOJTBOPQQPSUVOJUZUPTIBSFQIPUPT
WJEFPTSJEJOHUJQTBOENPSFXJUIFJUIFSGSJFOETPSUIFXIPMF
DPNNVOJUZ"DIPJDFPGQSJWBDZTFUUJOHTNFBOTEFUBJMTBSF
POMZTIBSFEXJUIUIPTFUIFVTFSDIPPTFT"DDPVOUIPMEFST
IBWFUIFPQUJPOPGBEEJOHPS趑OEJOHGSJFOET5IFTFDBOCF
QFPQMFXIPCFDPNFBDRVBJOUFEUISPVHIUIF#.8.PUPSSBE
$PNNVOJUZPSFYJTUJOHGSJFOETXIPTFEFUBJMTDBOCFJNQPSUFE
GSPNPUIFSTPDJBMOFUXPSLJOHTJUFTMJLF'BDFCPPL*OEJWJEVBMT
DBOBMTPKPJOPSDSFBUFHSPVQTNBOBHFBOFXTGFFEBOENPTU
JNQPSUBOUMZBEEEFUBJMTPGNPUPSDZDMFT8FBUIFSSFQPSUTGPS
*GZPVIBWFUIFLFZTUPBNPUPSDZDMFBOEBDDFTTUPUIF
*OUFSOFUUIFOXFJOWJUFZPVUPCFDPNFBDRVBJOUFEXJUI
UIFXPSMEPG#.8ѭPOMJOFBOEPVUPOUIFSPBE+PJOUIF
#.8.PUPSSBE$PNNVOJUZOPXBOETFFKVTUIPXGBS
ZPVDBOHP
UIFVTFSѳTBSFBBSFBVTFGVMFYUSBQBSUJDVMBSMZBTUIFZJODMVEF
BTVHHFTUJPOGPSXIBUQJFDFPG#.8SJEJOHBQQBSFMXJMMTVJU
UIFPVUEPPSDPOEJUJPOT5IF1IPUPTGVODUJPOQSPWJEFTUIF
PQQPSUVOJUZUPCSPXTFPUIFSVTFSTѳJNBHFTPGUIFJSNBDIJOFT
PSTJHIUTBOETDFOFSZGSPNUPVSTUIFZѳWFUBLFO6TFSTDBO
BMTPVQMPBEUIFJSPXOTIPUTJGEFTJSFE
5IF#.8.PUPSSBE$PNNVOJUZJTFBTZUPVTFBOEXIJMFJU
QSPWJEFTNFNCFSTXJUIBOFYDFMMFOUPOMJOFFYQFSJFODFUIF
BJNJTOPUUPDSFBUFBWJSUVBMXPSMEXJUIWJSUVBMCJLFSTBOE
SJEFT5IFOFUXPSLJTJOUFOEFEUPHFUQFPQMFPVUPOUIFSPBE
趑OEUIFNSJEJOHDPNQBOJPOTBOEUPIFMQQFPQMFTIBSFUIFJS
QBTTJPOBOELOPXMFEHF
4JODFUIF$PNNVOJUZMBVODIFEJO贶贾贵贵UIFSFIBWFCFFO
UIPVTBOETPGWJTJUPSTNBOZPGXIPNIBWFDSFBUFEUIFJSPXO
QSP趑MFTVQMPBEFEQIPUPTBOEWJEFPTBEEFESPVUFTGPS
PUIFSTUPWJFXBOETFOUNFTTBHFTJOWJUBUJPOTBOEGSJFOE
SFRVFTUTUPPUIFS#.8GBOT5IJTEFEJDBUFEHMPCBM
DPNNVOJUZPGSJEFSTJTHSPXJOHBMMUIFUJNFBOEBMSFBEZ
CPBTUTNPSFUIBO贸费贾贾NFNCFSTTPJTZPVSHBUFXBZUP
BXPSMEPGQPTTJCJMJUJFT
7JTJUXXXCNXNPUPSSBEDPNDPNNVOJUZUPFYQMPSFGVSUIFS
'45
1"//*&3.06/5*/(4
Ѽ )PMEQBOOJFSTTFDVSFMZJOQMBDF
Ѽ .BLFJUFBTZUPBUUBDIBOESFNPWF
QBOOJFST
Ѽ %FTJHOFEUPCFVOOPUJDFBCMF
XIFOQBOOJFSTBSFSFNPWFE
4."--4103540'5#"(
5"/,#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPN
BQQSPY贷贵UPBQQSPY贷贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMF
TUPSBHFQPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSF
GBCSJD
Ѽ 5ISFFPVUFSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPS
TNBMMJUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ $BQBDJUZFYQBOEBCMFGSPN
BQQSPY贵贷UPBQQSPY贶贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ "贸TJ[FENBQQPDLFU
Ѽ $BOOPUCFVTFEXIFSF#.8
/BWJHBUPSJT趑UUFE
-"3(&4103540'5#"(
410351"//*&34
-084&"5
Ѽ $BQBDJUZFYQBOEBCMFGSPN
BQQSPY贵贻UPBQQSPY贶费MJUSFT
Ѽ 4QMBTIQSPPG
Ѽ 4UFQMFTTMZBEKVTUBCMFWJBSBUDIFU
TUSBQT
Ѽ -PDLBCMF
Ѽ 5FYUJMFTUFFMXFCCJOHGPS
FOIBODFEBOUJUIFGUTFDVSJUZ
Ѽ 4QBDFGPSPOFIFMNFU
Ѽ 4VQQMJFEXJUIXBUFSQSPPGJOOFS
CBHT
Ѽ 4FBUIFJHIUTUFQMFOHUI
贼贵费NN贵贼贶贾NN
#"$,3&451"%'03
4."--501#09
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
&953"-084&"5
/054)08/
Ѽ 4FBUIFJHIUTUFQMFOHUI
贻贽费NN贵贻贽贾NN
1*--*0/4&"5$07&3
Ѽ 4QPSUZTJOHMFTFBUFSMPPL
Ѽ 4VQQMJFEQSJNFE
Ѽ $BQBDJUZBQQSPY费费MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFT
TUPSBHFQPDLFUT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSF
GBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 0OFTUPSBHFDPNQBSUNFOU
BDDFTTJCMFGSPNPVUTJEF
Ѽ 0OFFYUFSJPSQPDLFUXJUI
USBOTQBSFOUXJOEPXJO趒BQ
7"3*"#-&*/4&35
Ѽ "EKVTUBCMFPVUFSSJNXJUI
WFMDSPGBTUFOFSUPTFUXJEUI
Ѽ "EKVTUBCMFJOUFSJPSEJWJEFST
Ѽ "EKVTUBCMFDPWFS
Ѽ 'JUTJOBMNPTUBMM#.8
.PUPSSBEUBOLCBHT
*//&3#"('03
4."--501#09
Ѽ 1PDLFUTGPSTNBMMJUFNT
Ѽ %FUBDIBCMFTIPVMEFSTUSBQ
4."--501#09
6/*7&34"-5"/,#"(
Ѽ $BQBDJUZBQQSPY贶贼MJUSFT
Ѽ 8BUFSQSPPG
Ѽ 4DVGGHVBSEGPSMVHHBHFHSJEBMTP
BWBJMBCMF
Ѽ 4QBDFGPSPOFIFMNFU
Ѽ $BQBDJUZFYQBOEBCMFGSPN
BQQSPY贵贾UPBQQSPY贵贶MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4NBMMJOOPWBUJWFNBQQPDLFU
XJUIBDSBEMFGPSBNPCJMF
QIPOF1%"PSTNBMMTBUOBW
EFWJDF
Ѽ &YUFSJPSQPDLFUXJUITMPUTGPS
UXP贾费MJUSFCPUUMFT
Ѽ $BOCFVTFEJODPOKVODUJPO
XJUIOBWJHBUJPOTZTUFN
6/45011"#-&5063
'45
)*()5*/5&%8*/%4)*&-%
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ *NQSPWFEQSPUFDUJPOBHBJOTUXJOE
BOESBJO
Ѽ &BTZUP趑U
-085*/5&%8*/%4)*&-%
-&%3&"3-*()5
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ $PPMEBSLMPPL
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTT
$&/53&45"/%
8IFUIFSZPVѳSFUSBWFMMJOHPOPSPGGSPBEJGZPVXBOUUP
NBLFTVSFZPVSNPUPSDZDMFTUBZTVQSJHIUXIFOJUѳT
QBSLFEUIFDFOUSFTUBOEJTBOFTTFOUJBMPQUJPO
Ѽ &OTVSFTCJLFSFNBJOTTUBCMFPOMPPTFTVSGBDFT
Ѽ /PUBWBJMBCMFJODPOKVODUJPOXJUIMPXFSFETVTQFOTJPO
-&%*/%*$"5034
#.8.05033"%
/"7*("503*7
Ѽ %JNFOTJPOT贵贷贺Y贼贷Y贶贸DN
SPCVTUXBUFSQSPPGUP*19贻
TUBOEBSE
GVFMSFTJTUBOUBOE
TIPDLQSPPG
Ѽ .POJUPS贺费贾贾贾DPMPVS5'5
UPVDITDSFFO贽贻Y费贻DN
贸贷JODIFT
XJUIBVUPNBUJDEBZ
OJHIUNPEF贸贼贾Y贶贻贶QJYFMTBOE
IJHIDPOUSBTUOPOSF趒FDUJWF
67SFTJTUBOUEJTQMBZ
Ѽ 1PXFSTVQQMZSFNPWBCMFMJUIJVN
JPOCBUUFSZDIBSHFEBVUPNBUJDBMMZ
WJBPOCPBSEFMFDUSJDT0QFSBUJPO
UJNFXIFOEJTDPOOFDUFEGSPN
QPXFSTVQQMZ
PGVQUP趑WFIPVST
Ѽ 8JSFMFTT#MVFUPPUInUFDIOPMPHZ
OBWJHBUJPOJOTUSVDUJPOTWJB
#MVFUPPUInIFMNFUTPSIFBETFUT
EBUBFYDIBOHFCFUXFFOUXP
/BWJHBUPS*7VOJUT#MVFUPPUIn
NPCJMFQIPOFT
Ѽ "VEJPDPOOFDUJPO
64#DPOOFDUJPONJDSP4%DBSE
TMPU.1贷GVODUJPOUSBDLBOESPVUF
TBWJOH.$9KBDL
Ѽ &BTZPQFSBUJPOXIFOXFBSJOH
HMPWFTBEWBODFENPVOUDSBEMF
XJUIGPVSCVUUPOTѶѷѶѭѷ[PPNJO
[PPNPVUPWFSNBQT
Ѷ1BHFѷ
DIBOHFCFUXFFONBQWJFXUSJQ
DPNQVUFSBOENFEJBQMBZFS
Ѷ4QFBLѷQMBZCBDLDVSSFOU
OBWJHBUJPOJOTUSVDUJPOT
Ѽ .BQEBUBGPS贸贾DPVOUSJFTJO
&BTUFSOBOE8FTUFSO&VSPQF
QSFJOTUBMMFE
Ѽ *ODMVEFTO¼.BQT-JGFUJNFGSFF
NBQVQEBUFTGPSMJGFUJNFPGTBUFMMJUF
OBWJHBUJPOEFWJDF
Ѽ *ODMVEFT.BQ4PVSDFԂTPGUXBSF
PO%7%
Ѽ .VMUJSPVUFQSFWJFXMBOFBTTJTU
XJUI贷%KVODUJPOWJFX
贷%CVJMEJOHTFUD
Ѽ .PEFMTQFDJ趑DDSBEMF
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ 4JHOJ趑DBOUMZMPOHFSCVMCMJGF
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTTXJUIUXP-&%TJOFBDI
JOEJDBUPS
"/5*5)&'5"-"3.4:45&.8*5)
3&.05&$0/530Ѽ "MBSNTPVOETBOEWJTVBMXBSOJOHBSF
BDUJWBUFEJGNPUPSDZDMFJTNPWFE
Ѽ $BOCFEJTBSNFECZLFZPSSFNPUFMZ
Ѽ 'VMMZQSPHSBNNBCMFBSNJOHDPEF
8)*5&*/%*$"5034
1"%%0$,45"/%"%"1503
6/45011"#-&5063
3(4VQUP
1"%%0$,45"/%
501#09.06/5*/(
-084&"5
Ѽ 4UVSEZTUBJOMFTTTUFFMTRVBSFUVCF
DPOTUSVDUJPO
Ѽ +BDLTVQNPUPSDZDMFTRVJDLMZBOE
TFDVSFMZ
Ѽ 4VJUBCMFGPSVTFPOMPPTFHSPVOE
Ѽ -POHMFWFSFOTVSFTFBTZPQFSBUJPO
Ѽ .BEFPGBMVNJOJVN
Ѽ 4UVSEZMVHHBHFHSJEJODMVEJOHBEBQUPS
QMBUF
Ѽ 4FBUIFJHIUTUFQMFOHUI
贼贶贾NN贵贼贶贾NN
Ѽ #MBDLPS(SFZ
'6/$5*0/"-*//&3#"('03
"-6.*/*6.501#09
1"//*&3.06/5*/(4'03
"-6.*/*6.1"//*&34
1"//*&3.06/5*/(4*/
4*-7&3
#"$,3&451"%'03
"-6.*/*6.501#09
Ѽ .BEFPGFMFDUSPQPMJTIFETUBJOMFTTTUFFM
Ѽ )JHIRVBMJUZTJMWFSQBJOU趑OJTI
Ѽ 'JUTFBNMFTTMZJOUPPWFSBMMEFTJHO
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
Ѽ 'PMEBXBZDBSSZIBOEMFTBOE
EFUBDIBCMFTIPVMEFSTUSBQ
Ѽ 8BUFSQSPPG
'6/$5*0/"-*//&3#"('03
"-6.*/*6.1"//*&3
Ѽ 'PMEBXBZDBSSZIBOEMFTBOE
EFUBDIBCMFTIPVMEFSTUSBQ
Ѽ 8BUFSQSPPG
Ѽ $BOBMTPCFVTFEPOUPQPGQBOOJFST
"/5*5)&'5"-"3.4:45&.
8*5)3&.05&$0/530Ѽ "MBSNTPVOETBOEWJTVBMXBSOJOHBSF
BDUJWBUFEJGNPUPSDZDMFJTNPWFE
Ѽ $BOCFEJTBSNFECZLFZPSSFNPUFMZ
Ѽ 'VMMZQSPHSBNNBCMFBSNJOHDPEF
$"33:)"/%-&'03
"-6.*/*6.1"//*&3
03501#09
Ѽ 4FUJODMVEFTDBSSZIBOEMFBOEGPVS
TUSBQT
Ѽ $BOBMTPCFVTFEUPTFDVSFBEEJUJPOBM
MVHHBHFUPBMVNJOJVNQBOOJFSTPSUPQ
CPY
#"$,3&451"%'03
7"3*"#-&501#09
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
6/45011"#-&&/%630
3(4VQUP
-"3(&4103540'5#"(
7"3*"#-&1"//*&34
Ѽ $BQBDJUZBQQSPY费费MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHFQPDLFUT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 0OFTUPSBHFDPNQBSUNFOUBDDFTTJCMFGSPNPVUTJEF
Ѽ 0OFFYUFSJPSQPDLFUXJUIUSBOTQBSFOUXJOEPXJO趒BQ
Ѽ #ZNPWJOHBCBSDBQBDJUZDBOCF
BEKVTUFEGSPNBQQSPY贷贾UP贷贽MJUSFTPO
UIFSJHIUIBOETJEFBOE贶贾UP贶贽MJUSFT
POUIFMFGU
Ѽ "MVNJOJVNQBOFMJOQBOOJFSMJE
4."--4103540'5#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贷贵
UPBQQSPY贷贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5ISFFPVUFSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPSTNBMM
JUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
#.8.05033"%
/"7*("503*7
Ѽ %JNFOTJPOT贵贷贺Y贼贷Y贶贸DN
SPCVTUXBUFSQSPPGUP*19贻
TUBOEBSE
GVFMSFTJTUBOUBOE
TIPDLQSPPG
Ѽ .POJUPS贺费贾贾贾DPMPVS
5'5UPVDITDSFFO贽贻Y费贻DN
贸贷JODIFT
XJUIBVUPNBUJDEBZ
OJHIUNPEF贸贼贾Y贶贻贶QJYFMTBOE
IJHIDPOUSBTUOPOSF趒FDUJWF
67SFTJTUBOUEJTQMBZ
Ѽ 1PXFSTVQQMZSFNPWBCMFMJUIJVN
JPOCBUUFSZDIBSHFEBVUPNBUJDBMMZ
WJBPOCPBSEFMFDUSJDT0QFSBUJPO
UJNFXIFOEJTDPOOFDUFEGSPN
QPXFSTVQQMZ
PGVQUP趑WFIPVST
Ѽ 8JSFMFTT#MVFUPPUInUFDIOPMPHZ
OBWJHBUJPOJOTUSVDUJPOTWJB
#MVFUPPUInIFMNFUTPSIFBETFUT
EBUBFYDIBOHFCFUXFFOUXP
/BWJHBUPS*7VOJUT#MVFUPPUIn
NPCJMFQIPOFT
Ѽ "VEJPDPOOFDUJPO64#
DPOOFDUJPONJDSP4%DBSETMPU
.1贷GVODUJPOUSBDLBOESPVUF
TBWJOH.$9KBDL
Ѽ &BTZPQFSBUJPOXIFOXFBSJOH
HMPWFTBEWBODFENPVOUDSBEMF
XJUIGPVSCVUUPOTѶѷѶѭѷ[PPNJO
[PPNPVUPWFSNBQT
Ѷ1BHFѷ
DIBOHFCFUXFFONBQWJFXUSJQ
DPNQVUFSBOENFEJBQMBZFS
Ѷ4QFBLѷQMBZCBDLDVSSFOU
OBWJHBUJPOJOTUSVDUJPOT
Ѽ .BQEBUBGPS贸贾DPVOUSJFTJO
&BTUFSOBOE8FTUFSO&VSPQF
QSFJOTUBMMFE
Ѽ *ODMVEFTO¼.BQT-JGFUJNFGSFFNBQ
VQEBUFTGPSMJGFUJNFPGTBUFMMJUF
OBWJHBUJPOEFWJDF
Ѽ *ODMVEFT.BQ4PVSDFԂTPGUXBSFPO
%7%
Ѽ .VMUJSPVUFQSFWJFXMBOFBTTJTUXJUI
贷%KVODUJPOWJFX
贷%CVJMEJOHTFUD
Ѽ .PEFMTQFDJ趑DDSBEMF
-"3(&5"/,#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贵贷UPBQQSPY贵贽MJUSFT
Ѽ 8BUFSQSPPG
Ѽ "贸TJ[FEJOOPWBUJWFNBQQPDLFU
Ѽ $BOOPUCFVTFEXIFSFIBOEMFCBSDSPTTCSBDFJT趑UUFE
4."--5"/,#"(
7"3*"#-&501#09
Ѽ $BQBDJUZBQQSPY费MJUSFT
Ѽ 8BUFSQSPPG
Ѽ "贸TJ[FEJOOPWBUJWFNBQQPDLFU
Ѽ $BOOPUCFVTFEXIFSFIBOEMFCBSDSPTTCSBDFJT趑UUFE
Ѽ #ZNPWJOHBCBSDBQBDJUZDBOCF
BEKVTUFEGSPNBQQSPY贶费UP贷费MJUSFT
Ѽ .PVOUFEPOMVHHBHFHSJEPSJOQMBDF
PGQJMMJPOTFBU
Ѽ "MVNJOJVNQBOFMJOQBOOJFSMJE
7"3*"#-&*/4&35
*//&3#"('037"3*"#-&
1"//*&3"/%501#09
Ѽ "EKVTUBCMFPVUFSSJNXJUI7FMDSP
GBTUFOFSUPTFUXJEUI
Ѽ "EKVTUBCMFJOUFSJPSEJWJEFST
Ѽ "EKVTUBCMFDPWFS
Ѽ 'JUTJOBMNPTUBMM#.8.PUPSSBE
UBOLCBHT
Ѽ 'PBNDPSOFSTFDUJPOTGPSJNQSPWFE
JNQBDUQSPUFDUJPO
Ѽ 8BUFSQSPPG
Ѽ %FUBDIBCMFDBSSZTUSBQ
Ѽ 5XPFYUSBDPNQBSUNFOUT
Ѽ $BQBDJUZBEKVTUBCMFXJUI[JQ
6/45011"#-&&/%630
3(4VQUP
)1$"3#0/)&"51305&$503
'0345"/%"3%4*-&/$&3
/054)08/
5&-&-&7&3$"14
Ѽ 5VSOFEBMVNJOJVNDBQTXJUIBNJMMFE
TVSGBDF
Ѽ 3FQMBDFTUBOEBSEDBQTPO5FMFMFWFS
Ѽ &OIBODFTMPPLPGNPUPSDZDMF
Ѽ 4UZMJTIMPPLT
Ѽ 'PSBNPSFEZOBNJDBOEEJTUJODUJWF
MPPL
-&%*/%*$"5034
",3"107*Ì410354*-&/$&3
Ѽ 8FJHITBQQSPY贶费LH
贶费LHMJHIUFSUIBOTUBOEBSEWFSTJPO
Ѽ 5JUBOJVNTJMFODFS
Ѽ -BTFSFUDIFE"LSBQPWJÍMPHP
Ѽ 'JUTTUBOEBSEFYIBVTUNBOJGPME
Ѽ )PNPMPHBUFEGPSVTFPOQVCMJDSPBET
&6XJEF
Ѽ "EEBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ 4JHOJ趑DBOUMZMPOHFSCVMCMJGF
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTTXJUIUXP-&%TJOFBDI
JOEJDBUPS
501:0,&$"14
Ѽ 5VSOFEBMVNJOJVNDBQTXJUIBNJMMFE
TVSGBDF
Ѽ 3FQMBDFTUBOEBSEDBQTPOUPQZPLF
Ѽ &OIBODFTMPPLPGNPUPSDZDMF
-&%3&"3-*()5
Ѽ 'PSNPEFMTCVJMUVQUP贶贾贵贾
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTT
)"/%-&#"3$3044#3"$&
Ѽ *NQSPWFEPGGSPBETUBCJMJUZ
Ѽ $BOOPUCFVTFEJODPOKVODUJPOXJUI
UBOLCBH
)1$"3#0/&/(*/&$07&3
Ѽ 67SFTJTUBOUMBDRVFSWBSOJTIFOIBODFT
MPPLT
#.8.05033"%"4$
&95&/%&%'30/5.6%(6"3%
Ѽ 4IBUUFSQSPPGBOE67SFTJTUBOU
5*/5&%8*/%4)*&-%
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ -BSHFMZQSFWFOUTSFBSXIFFMTQJO
Ѽ *NQSPWFTTBGFUZBOEUSBDUJPO
Ѽ $BOCFEJTFOHBHFEBUBOZUJNFWJBB
CVUUPO
Ѽ 3FUSP趑UPOMZQPTTJCMFPONPEFMTXJUI
"#4
)"/%-&#"3$3044#3"$&
1"%%*/(
6/45011"#-&&/%630
3(4VQUP
611&34&$5*0/0')"/%
1305&$5034
Ѽ .BEFPGTIBUUFSQSPPG67SFTJTUBOU
QMBTUJD
Ѽ 1SPUFDUJPOGPSIBOETXIFOSJEJOHPGG
SPBEPSJOXJOEBOESBJO
Ѽ "UUBDIFEJOQMBDFPGTNBMMTQPJMFSPO
MPXFSTFDUJPOPGIBOEQSPUFDUPS
-&%"69*-*"3:)&"%-*()5
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ .PSFEJTUJODUMJHIUJOHPGSPBEBIFBE
Ѽ 4JHOJ趑DBOUMZMPOHFSCVMCMJGF
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
"69*-*"3:)&"%-*()5
$)30.&$:-*/%&3)&"%
$07&3
Ѽ &OIBODFTMPPLPGNPUPSDZDMF
Ѽ "EETBEJTUJODUJWFQFSTPOBMUPVDI
)"/%1305&$5034
Ѽ 1SPUFDUJPOGPSIBOETXIFOSJEJOH
PGGSPBEPSJOXJOEBOESBJO
Ѽ "QPXFSGVMFMMJQUJDBMBVYJMJBSZIFBEMJHIUJOB
CMBDLQMBTUJDIPVTJOH
Ѽ &$&BOE4"&UFTUFE
)1.*--&%)"/%-&7&3
45"*/-&4445&&-&/(*/&
1305&$5*0/#"3
Ѽ &OEVSPMPPLTBSFQFSGFDUMZTVJUFEUP
CJLF
Ѽ $PNQMFNFOUTUIFTUBOEBSECBTIQMBUF
Ѽ .BEFPGFMFDUSPQPMJTIFETUBJOMFTTTUFFM
Ѽ )JHIRVBMJUZ$/$NJMMFEBMVNJOJVNCSBLFBOE
PSDMVUDIMFWFS
Ѽ 4J[FPGHBQCFUXFFOMFWFSBOEIBOEMFCBS
BEKVTUBCMFCFUXFFOGPVSQPTJUJPOT
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
4"'&5:4$3&8'030*-'*--&3$"1
Ѽ 'PSHFEBMVNJOJVN
Ѽ -PDLBCMFXJUITQFDJBM"MMFOLFZ
&/%630"-6.*/*6.
#"4)1-"5&
"-6.*/*6.$:-*/%&3)&"%
$07&3(6"3%
1-"45*$$:-*/%&3)&"%
$07&3(6"3%
45"*/-&4445&&-'3".&
(6"3%
Ѽ 1SPUFDUTWBMWFDPWFSTBHBJOTUEBNBHF
Ѽ .BEFGSPNTIBUUFSQSPPG67SFTJTUBOU
趑CSFHMBTTSFJOGPSDFEQMBTUJD
Ѽ 1SPWJEFTEJTDSFFUQSPUFDUJPOGPS
DZMJOEFSIFBEDPWFST
Ѽ .BEFPGTUBJOMFTTTUFFM
Ѽ 1SPUFDUTGSBNFBHBJOTUTDSBUDIJOHXJUI
NJOJNBMFYUSBXFJHIU
Ѽ 0OMZBWBJMBCMFXIFSF"#4JT趑UUFE
Ѽ .BEFPGMBTFSDVUTUBJOMFTTTUFFM
Ѽ 1SPUFDUTFOHJOFBOEFYIBVTUNBOJGPME
BHBJOTUTUPOFTBOECVNQTJOPGGSPBE
SJEJOH
Ѽ &NQIBTJ[FTUIFSVHHFEFOEVSPMPPL
)&"%-*()5(6"3%
Ѽ 1SPUFDUTIFBEMJHIUBHBJOTU趒ZJOH
TUPOFTJOPGGSPBEVTF
Ѽ .BEFPGTIBUUFSQSPPGQMFYJHMBTT
Ѽ 4OBQMPDLTZTUFNGPSFBTZBUUBDINFOU
BOESFNPWBM
Ѽ 'PSPGGSPBEVTFPOMZ
1"%%0$,45"/%
Ѽ 4UVSEZTUBJOMFTTTUFFMTRVBSFUVCF
DPOTUSVDUJPO
Ѽ +BDLTVQNPUPSDZDMFTRVJDLMZBOETFDVSFMZ
Ѽ 4VJUBCMFGPSVTFPOMPPTFHSPVOE
Ѽ -POHMFWFSFOTVSFTFBTZPQFSBUJPO
1"%%0$,45"/%"%"1503
6/45011"#-&&/%630
'(4
'(4VQUP
1"//*&3.06/5*/(4'03
"-6.*/*6.1"//*&34
Ѽ 'PS'贼贾贾(4POMZ
Ѽ .BEFPGFMFDUSPQPMJTIFETUBJOMFTT
TUFFM
4."--4103540'5#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
贷贵UPBQQSPY贷贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFT
TUPSBHFQPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSF
GBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPS
TNBMMJUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
#.8.05033"%
/"7*("503*7
Ѽ %JNFOTJPOT贵贷贺Y贼贷Y贶贸DN
SPCVTUXBUFSQSPPGUP*19贻
TUBOEBSE
GVFMSFTJTUBOUBOE
TIPDLQSPPG
Ѽ .POJUPS贺费贾贾贾DPMPVS5'5
UPVDITDSFFO贽贻Y费贻DN
贸贷JODIFT
XJUIBVUPNBUJDEBZ
OJHIUNPEF贸贼贾Y贶贻贶QJYFMTBOE
IJHIDPOUSBTUOPOSF趒FDUJWF
67SFTJTUBOUEJTQMBZ
Ѽ 1PXFSTVQQMZSFNPWBCMFMJUIJVN
JPOCBUUFSZDIBSHFEBVUPNBUJDBMMZ
WJBPOCPBSEFMFDUSJDT0QFSBUJPO
UJNFXIFOEJTDPOOFDUFEGSPN
QPXFSTVQQMZ
PGVQUP趑WFIPVST
Ѽ 8JSFMFTT#MVFUPPUInUFDIOPMPHZ
OBWJHBUJPOJOTUSVDUJPOTWJB
#MVFUPPUInIFMNFUTPSIFBETFUT
EBUBFYDIBOHFCFUXFFOUXP
/BWJHBUPS*7VOJUT#MVFUPPUIn
NPCJMFQIPOFT
Ѽ "VEJPDPOOFDUJPO64#
DPOOFDUJPONJDSP4%DBSETMPU
.1贷GVODUJPOUSBDLBOESPVUF
TBWJOH.$9KBDL
Ѽ &BTZPQFSBUJPOXIFOXFBSJOH
HMPWFTBEWBODFENPVOUDSBEMF
XJUIGPVSCVUUPOTѶѷѶѭѷ[PPNJO
[PPNPVUPWFSNBQT
Ѷ1BHFѷ
DIBOHFCFUXFFONBQWJFX
USJQDPNQVUFSBOENFEJBQMBZFS
Ѷ4QFBLѷQMBZCBDLDVSSFOU
OBWJHBUJPOJOTUSVDUJPOT
Ѽ .BQEBUBGPS贸贾DPVOUSJFTJO
&BTUFSOBOE8FTUFSO&VSPQF
QSFJOTUBMMFE
Ѽ *ODMVEFTO¼.BQT-JGFUJNFGSFFNBQ
VQEBUFTGPSMJGFUJNFPGTBUFMMJUF
OBWJHBUJPOEFWJDF
Ѽ *ODMVEFT.BQ4PVSDFԂTPGUXBSFPO
%7%
Ѽ .VMUJSPVUFQSFWJFXMBOFBTTJTUXJUI
贷%KVODUJPOWJFX贷%CVJMEJOHTFUD
Ѽ .PEFMTQFDJ趑DDSBEMF
"-6.*/*6.1"//*&34
Ѽ 'PS'贼贾贾(4POMZ
Ѽ $BQBDJUZBQQSPY贼贶MJUSFT
贸贸MJUSFTSJHIU贷贼MJUSFTMFGU
Ѽ 3FJOGPSDFEFEHFT
Ѽ %FUBDIBCMFMJE
'6/$5*0/"-*//&3#"('03
"-6.*/*6.1"//*&3
Ѽ 'PMEBXBZDBSSZIBOEMFTBOE
EFUBDIBCMFTIPVMEFSTUSBQ
Ѽ 8BUFSQSPPG
Ѽ $BOBMTPCFVTFEPOUPQPGQBOOJFST
"-6.*/*6.501#09
Ѽ 'PS'贼贾贾(4POMZ
5IJTQMBJOBMVNJOJVNDBTFCPBTUTBDBQBDJUZPGVQUP贷贶MJUSFTXIJMF
BOBEEJUJPOBMDBSSZIBOEMFLJUDPNQSJTJOHBIBOEMFBOEGPVSTUSBQTJT
JEFBMGPSBUUBDIJOHBEEJUJPOBMQJFDFTPGMVHHBHF
$"33:)"/%-&'03
"-6.*/*6.1"//*&3
03501#09
Ѽ 4FUJODMVEFTDBSSZIBOEMFBOEGPVS
TUSBQT
Ѽ $BOBMTPCFVTFEUPTFDVSFBEEJUJPOBM
MVHHBHFUPBMVNJOJVNQBOOJFSTPSUPQ
CPY
#"$,3&451"%'03
"-6.*/*6.501#09
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
'6/$5*0/"-*//&3#"('03"-6.*/*6.501#09
Ѽ 'PMEBXBZDBSSZIBOEMFTBOEEFUBDIBCMFTIPVMEFSTUSBQ
Ѽ 8BUFSQSPPG
6/45011"#-&&/%630
'(4
'(4VQUP
501#09.06/5*/(
Ѽ 'PS'贼贾贾(4POMZ
Ѽ .BEFPGFMFDUSPQPMJTIFETUFFM
Ѽ "TUVSEZMVHHBHFHSJEGPSNPVOUJOH
BUPQCPY
4."---6(("(&(3*%
Ѽ "SPCVTUBMVNJOJVNQMBUFGPS
DBSSZJOHMVHHBHF
7"3*"#-&1"//*&34
7"3*"#-&501#09
5IFWBSJBCMFQBOOJFSTGFBUVSFBQBUFOUFEBEKVTUNFOUNFDIBOJTNUIBUNBLFTUIFN
UIFJEFBMUSBWFMMJOHDPNQBOJPOPOMPOHBOETIPSUKPVSOFZTBMJLFPOPSPGGSPBE5IFJS
DBQBDJUZDBOCFBEKVTUFETJNQMZCZNPWJOHBCBSJOTJEF*OUIFTNBMMFSDPO趑HVSBUJPO
UIFXJEUIJTSFEVDFECZVQUP贵贶贾NJMMJNFUSFTNBLJOHUIFNQFSGFDUGPSFWFSZEBZSJEJOH
Ѽ $BQBDJUZDBOCFBEKVTUFECZNPWJOHB
CBS
Ѽ $BQBDJUZBQQSPY贶费UP贷费MJUSFT
Ѽ "UUBDIFTUPMBSHFMVHHBHFHSJE
Ѽ $BQBDJUZBQQSPY贶贼UP贷贼MJUSFTPOUIFSJHIUIBOETJEFBOE贵贽UP贶贽MJUSFTPOUIFMFGU
*//&3#"('037"3*"#-&1"//*&34
-"3(&-6(("(&(3*%'03
7"3*"#-&501#09
Ѽ *ODMVEFTBEBQUPSQMBUF
Ѽ 'PBNDPSOFSTFDUJPOTGPSJNQSPWFEJNQBDU
QSPUFDUJPO
Ѽ 8BUFSQSPPG
Ѽ %FUBDIBCMFDBSSZTUSBQ
Ѽ 5XPFYUSBDPNQBSUNFOUT
#"$,3&451"%'037"3*"#-&
501#09
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
&/%6303&"3#"(
1"//*&3.06/5*/(4
Ѽ *EFBMGPSDBSSZJOHTNBMMJUFNTBOE
UPPMT
Ѽ $BQBDJUZBQQSPY贷MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 7FMDSPTUSJQTJOTJEF
Ѽ 4FDVSFUIFWBSJBCMFQBOOJFSTJO
QMBDF
Ѽ 'JUTFBNMFTTMZJOUPPWFSBMMEFTJHO
7"3*"#-&*/4&35
5"/,#"(
Ѽ "EKVTUBCMFPVUFSSJNXJUI7FMDSPGBTUFOFSUPTFUXJEUI
Ѽ "EKVTUBCMFJOUFSJPSEJWJEFST
Ѽ "EKVTUBCMFDPWFS
Ѽ 'JUTJOBMNPTUBMM#.8.PUPSSBEUBOLCBHT
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
贵贶UPBQQSPY贵贻MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ "贸TJ[FENBQQPDLFUXJUI
JOOPWBUJWFDSBEMFGPSNPCJMF
QIPOFTFUD
6/45011"#-&&/%630
'(4
'(4VQUP
5063*/(8*/%4)*&-%
)"/%(6"3%4
Ѽ 'PS'贼贾贾(4POMZ
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ *NQSPWFEQSPUFDUJPOBHBJOTUXJOE
BOESBJO
Ѽ $MPTFEMPPQTNBEFPGIJHITUSFOHUI
FMFDUSPQPMJTIFETUFFM
Ѽ $BOCFBVHNFOUFEXJUITNBMMPSMBSHF
IBOEQSPUFDUPSTBOETQPJMFS
BUUBDINFOUTGPSMBSHFIBOEQSPUFDUPST
Ѽ &GGFDUJWFQSPUFDUJPOGPSIBOETBOE
DPOUSPMT
)&"%-*()5(6"3%
4."--8*/%4)*&-%
Ѽ 'PS'贼贾贾(4POMZ
BTTUBOEBSEPO'贺费贾(4
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
4."--)"/%1305&$5034
Ѽ $PNCJOFXJUIUIFIBOEHVBSET
Ѽ &GGFDUJWFQSPUFDUJPOGPSIBOETBOE
DPOUSPMT
Ѽ .BEFPGSPCVTUTIBUUFSQSPPG
QPMZBNJEFQMBTUJD
-"3(&$-&"38*/%4)*&-%
-"3(&)"/%1305&$5034
Ѽ 'PS'贺费贾(4POMZ
BTTUBOEBSEPO'贼贾贾(4
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ$PNCJOFXJUIUIFIBOEHVBSET
SFQMBDJOHUIFTNBMMIBOEQSPUFDUPST
Ѽ &GGFDUJWFQSPUFDUJPOGPSIBOETBOE
DPOUSPMT
Ѽ .BEFPGSPCVTUTIBUUFSQSPPG
QPMZBNJEFQMBTUJD
8*/%%&'-&$503
Ѽ 'PS'贼贾贾(4POMZ
Ѽ *NQSPWFEQSPUFDUJPOBHBJOTUXJOEBOE
SBJO
Ѽ %JWFSUT趒PXPGBJSBSPVOETJEFTPGSJEFS
Ѽ 1SPUFDUTIFBEMJHIUBHBJOTU趒ZJOH
TUPOFTJOPGGSPBEVTF
Ѽ .BEFPGTIBUUFSQSPPGQMFYJHMBTT
Ѽ 'PSPGGSPBEVTFPOMZ
Ѽ 4OBQMPDLTZTUFNGPSFBTZBUUBDINFOU
BOESFNPWBM
-&%*/%*$"5034
-"3(&5*/5&%8*/%4)*&-%
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ 'PSJODSFBTFEWJTVBMJNQBDU
Ѽ "EETBOFZFDBUDIJOHQFSTPOBMUPVDI
Ѽ 4JHOJ趑DBOUMZMPOHFSCVMCMJGF
Ѽ 3FEVDFEFMFDUSJDJUZDPOTVNQUJPO
Ѽ 8IJUFHMBTTXJUIUXP-&%TJOFBDI
JOEJDBUPS
410*-&3"55"$).&/54'03
-"3(&)"/%1305&$5034
Ѽ &GGFDUJWFQSPUFDUJPOGPSIBOETBOE
DPOUSPMT
Ѽ &GGFDUJWFQSPUFDUJPOBHBJOTUXJOE
BOESBJO
Ѽ .BEFPGSPCVTUTIBUUFSQSPPG
QPMZBNJEFQMBTUJD
6/45011"#-&&/%630
'(4
'(4VQUP
&95&/%&%.6%(6"3%
$&/53&45"/%
Ѽ .BEFPGTUVSEZQMBTUJD
Ѽ 1SPUFDUTSJEFSBOEGPMMPXJOH
WFIJDMFTBHBJOTUTQSBZ
8IFUIFSZPVѳSFUSBWFMMJOHPOPSPGGSPBEJGZPV
XBOUUPNBLFTVSFZPVSNPUPSDZDMFTUBZTVQSJHIU
XIFOJUѳTQBSLFEUIFDFOUSFTUBOEJTBOFTTFOUJBM
PQUJPO*UBMTPNBLFTJUFBTJFSUPDBSSZPVU
NBJOUFOBODFPOUIFDIBJO
Ѽ &OTVSFTCJLFSFNBJOTTUBCMFPOMPPTFTVSGBDFT
Ѽ /PUBWBJMBCMFJODPOKVODUJPOXJUIMPXFSFE
TVTQFOTJPO
1-"45*$#"4)1-"5&
Ѽ 'PS'贺费贾(4POMZ
BTTUBOEBSEPO'贼贾贾(4
Ѽ 1SPUFDUTBHBJOTU趒ZJOHTUPOFT
Ѽ .BEFPGTIBUUFSQSPPGQMBTUJD
-084&"5
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贺费贾(4贻贽贾NN贵贺贻贾NN
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贼贾贾(4贼费贾NN贵贼贼贾NN
"/5*5)&'5"-"3.4:45&.
8*5)3&.05&$0/530Ѽ "MBSNTPVOETBOEWJTVBMXBSOJOHBSF
BDUJWBUFEJGNPUPSDZDMFJTNPWFE
Ѽ $BOCFEJTBSNFECZLFZPSSFNPUFMZ
Ѽ 'VMMZQSPHSBNNBCMFBSNJOHDPEF
3"--:4&"5
",3"107*Ì410354*-&/$&3
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贺费贾(4贼贺贾NN贵贼贻贾NN
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贼贾贾(4贽贶贾NN贵贽贽贾NN
Ѽ "UXPUPOFTFBUXJUITQPSUZMPPLT
EFTJHOFEGPSPGGSPBEFOUIVTJBTUT
Ѽ 8FJHITBQQSPY贶费LH
贶贷LHMJHIUFSUIBOTUBOEBSEWFSTJPO
Ѽ 5JUBOJVNTUBJOMFTTTUFFMTJMFODFS
Ѽ $BSCPOCSBDLFU
Ѽ -BTFSFUDIFE"LSBQPWJÍMPHP
Ѽ 'JUTTUBOEBSEFYIBVTUNBOJGPME
Ѽ )PNPMPHBUFEGPSVTFPOQVCMJDSPBET&6XJEF
&/%630"-6.*/*6.#"4)1-"5&
Ѽ &YUSFNFMZTUVSEZDPOTUSVDUJPO
Ѽ 4QFDJBMMZEFTJHOFEGPSPGGSPBEVTF
$0.'0354&"5
0651653&%6$5*0/
/054)08/
'PS'贺费贾(4POMZ
3FEVDUJPOUP贷贸IQ贶费L8
"650."5*$$)"*/
-6#3*$"5*0/4:45&.
/054)08/
Ѽ 0OFQJFDFTFBU
Ѽ *ODSFBTFEDPNGPSUGPSSJEFSBOE
QBTTFOHFS
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贺费贾(4贼贷费NN贵贼贸贾NN
Ѽ 4FBUIFJHIUTUFQMFOHUI
'贼贾贾(4贼贽费NN贵贽贺贾NN
Ѽ #MBDL"OUISBDJUFUXPUPOFEFTJHO
&/(*/&1305&$5*0/#"3
Ѽ 4UVSEZTUBJOMFTTTUFFMUVCFDPOTUSVDUJPO
Ѽ 4VJUBCMFGPSPGGSPBEVTF
6/45011"#-&&/%630
)141035
5"/,#"(
Ѽ $BQBDJUZBQQSPY贵费MJUSFT
Ѽ 4QMBTIQSPPG
Ѽ 4NBMMNBQQPDLFU
4"'&5:4$3&8'03
0*-'*--&3$"1
1"%%0$,45"/%"%"1503
Ѽ .BEFPGNJMMFEBMVNJOJVN
Ѽ -PDLBCMFXJUITQFDJBM"MMFOLFZ
)1-"15*.&3
Ѽ $PNQBUJCMFXJUI)1JOTUSVNFOUDMVTUFS
Ѽ "VUPNBUJDBMMZNFBTVSFTMBQUJNFT
Ѽ &OIBODFETBGFUZGPSUIFSJEFS
Ѽ 5SBOTNJUUFSBOESFDFJWFSBWBJMBCMF
TFQBSBUFMZ
1"%%0$,45"/%
(&"34)*'5"44*458*5)*/7&35&%4)*'5%*3&$5*0/
Ѽ 'BTUVQTIJGUTXJUISFWFSTFETIJGUJOHQBUUFSO
Ѽ 'PSUSBDLVTFPOMZOPUIPNPMPHBUFEGPSSPBEVTF
Ѽ 0QFSBUJPOPGTUBOEBSEHFBSTIJGUBTTJTUJTOPUBGGFDUFE
Ѽ 4UVSEZTUBJOMFTTTUFFMTRVBSFUVCF
DPOTUSVDUJPO
Ѽ +BDLTVQNPUPSDZDMFTRVJDLMZBOE
TFDVSFMZ
Ѽ 4VJUBCMFGPSVTFPOMPPTFHSPVOE
Ѽ -POHMFWFSFOTVSFTFBTZPQFSBUJPO
)*()1&3'03."/$&
,(5
-084&"5/054)08/
Ѽ 4FBUIFJHIUTUFQMFOHUIBEKVTUBCMF
贼贾贾ѭ贼贶贾NN贵贻贺贾ѭ贵贼贾贾NN
5*/5&%8*/%4)*&-%
#.8.05033"%"4$
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ 4QPSUZMPPLT
Ѽ 4UFQMFTTMZBEKVTUBCMFWJBFMFDUSJD
DPOUSPMT
Ѽ -BSHFMZQSFWFOUTSFBSXIFFMTQJO
Ѽ *NQSPWFTTBGFUZBOEUSBDUJPO
Ѽ $BOCFEJTFOHBHFEBUBOZUJNFWJBB
CVUUPO
Ѽ 3FUSP趑UPOMZQPTTJCMFPONPEFMTXJUI
"#4
-"3(&8*/%4)*&-%
1"%%0$,45"/%
Ѽ 4DSBUDISFTJTUBOUDPBUJOH
Ѽ (PPEBFSPEZOBNJDT
Ѽ 4UFQMFTTMZBEKVTUBCMFWJBFMFDUSJD
DPOUSPMT
Ѽ 4UVSEZTUBJOMFTTTUFFMTRVBSFUVCF
DPOTUSVDUJPO
Ѽ +BDLTVQNPUPSDZDMFTRVJDLMZBOE
TFDVSFMZ
Ѽ 4VJUBCMFGPSVTFPOMPPTFHSPVOE
Ѽ -POHMFWFSFOTVSFTFBTZPQFSBUJPO
#.8.05033"%
/"7*("503*7
Ѽ %JNFOTJPOT贵贷贺Y贼贷Y贶贸DN
SPCVTUXBUFSQSPPGUP*19贻TUBOEBSE
GVFMSFTJTUBOUBOETIPDLQSPPG
Ѽ .POJUPS贺费贾贾贾DPMPVS
5'5UPVDITDSFFO贽贻Y费贻DN
贸贷JODIFT
XJUIBVUPNBUJDEBZOJHIU
NPEF贸贼贾Y贶贻贶QJYFMTBOE
IJHIDPOUSBTUOPOSF趒FDUJWF
67SFTJTUBOUEJTQMBZ
Ѽ 1PXFSTVQQMZSFNPWBCMFMJUIJVNJPO
CBUUFSZDIBSHFEBVUPNBUJDBMMZWJB
POCPBSEFMFDUSJDT0QFSBUJPOUJNF
XIFOEJTDPOOFDUFEGSPNQPXFS
TVQQMZ
PGVQUP趑WFIPVST
Ѽ 8JSFMFTT#MVFUPPUInUFDIOPMPHZ
OBWJHBUJPOJOTUSVDUJPOTWJB#MVFUPPUIn
IFMNFUTPSIFBETFUTEBUBFYDIBOHF
CFUXFFOUXP/BWJHBUPS*7VOJUT
#MVFUPPUInNPCJMFQIPOFT
Ѽ "VEJPDPOOFDUJPO64#DPOOFDUJPO
NJDSP4%DBSETMPU.1贷GVODUJPOUSBDL
BOESPVUFTBWJOH.$9KBDL
Ѽ &
BTZPQFSBUJPOXIFOXFBSJOHHMPWFT
BEWBODFENPVOUDSBEMFXJUIGPVS
CVUUPOTѶѷѶѭѷ[PPNJO[PPNPVU
PWFSNBQT
Ѷ1BHFѷDIBOHFCFUXFFO
NBQWJFXUSJQDPNQVUFSBOENFEJB
QMBZFS
Ѷ4QFBLѷQMBZCBDLDVSSFOU
OBWJHBUJPOJOTUSVDUJPOT
Ѽ .
BQEBUBGPS贸贾DPVOUSJFTJO&BTUFSO
BOE8FTUFSO&VSPQFQSFJOTUBMMFE
Ѽ *ODMVEFT.BQ4PVSDFԂTPGUXBSF
PO%7%
Ѽ *ODMVEFTO¼.BQT-JGFUJNFGSFFNBQ
VQEBUFTGPSMJGFUJNFPGTBUFMMJUF
OBWJHBUJPOEFWJDF
Ѽ .
VMUJSPVUFQSFWJFXMBOFBTTJTUXJUI
贷%KVODUJPOWJFX贷%CVJMEJOHTFUD
Ѽ .PEFMTQFDJ趑DDSBEMF
"/5*5)&'5"-"3.4:45&.
8*5)3&.05&$0/530Ѽ "MBSNTPVOETBOEWJTVBMXBSOJOHBSF
BDUJWBUFEJGNPUPSDZDMFJTNPWFE
Ѽ $BOCFEJTBSNFECZLFZPSSFNPUFMZ
Ѽ 'VMMZQSPHSBNNBCMFBSNJOHDPEF
3*%&3$0.'0354&"5
/054)08/
Ѽ "WBJMBCMFXJUITFBUIFBUJOH
1"%%0$,45"/%"%"1503
6/45011"#-&5063
,(5
-"3(&501#09
Ѽ $BQBDJUZBQQSPYMJUSFTTQBDFGPS
UXPIFMNFUT
Ѽ 8BUFSQSPPG
Ѽ *ODMVEFTCVJMUJOCBDLSFTUQBE
Ѽ *O8IJUF"MVNJOJVNPS4BQQIJSF#MBDL
Ѽ 4DVGGHVBSEGPSMVHHBHFHSJEBMTP
BWBJMBCMF
Ѽ $FOUSBMMPDLJOHQPTTJCMF
5"/,#"(
7"3*"#-&*/4&35
4."--4103540'5#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
UPBQQSPYMJUSFT
Ѽ 8BUFSQSPPG
Ѽ $BSSZIBOEMF
Ѽ &YUSBQPDLFUJOUPQ
Ѽ "EKVTUBCMFPVUFSSJNXJUI7FMDSP
GBTUFOFSUPTFUXJEUI
Ѽ "EKVTUBCMFJOUFSJPSEJWJEFST
Ѽ "EKVTUBCMFDPWFS
Ѽ 'JUTJOBMNPTUBMM#.8.PUPSSBE
UBOLCBHT
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY
UPBQQSPYMJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5ISFFPVUFSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPSTNBMM
JUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
4."--501#09
Ѽ $BQBDJUZBQQSPYMJUSFT
Ѽ 8BUFSQSPPG
Ѽ 4DVGGHVBSEGPSMVHHBHFHSJEBMTP
BWBJMBCMF
Ѽ 4QBDFGPSPOFIFMNFU
#"$,3&451"%'03501#09
Ѽ 'PSJODSFBTFEQJMMJPOQBTTFOHFS
DPNGPSUBOETBGFUZ
-"3(&4103540'5#"(
*//&3#"('034:45&.
1"//*&3
4:45&.1"//*&3
1305&$5*0/
*.1"$51305&$5*0/4:45&.
'034:45&.1"//*&3
Ѽ 'PMEBXBZDBSSZIBOEMFBOEEFUBDIBCMF
TIPVMEFSTUSBQ
Ѽ &YUFSJPSBOEJOUFSJPSDPNQBSUNFOUTGPS
TNBMMJUFNT
Ѽ 4UBCMFCBTF
Ѽ 4FMGBEIFTJWFUSBOTQBSFOUQSPUFDUJWF
趑MN
Ѽ "QQMJFEUPUPQBOEGSPOUPGQBOOJFS
Ѽ 1SPUFDUTBHBJOTUMJHIUTDSBUDIJOH
Ѽ 1SPUFDUTMPXFSBSFBBHBJOTUTDSBUDIFT
*//&3#"('03-"3(&
501#09
Ѽ &YUFSJPSQPDLFUBOEDPNQBSUNFOUTGPS
TNBMMJUFNT
Ѽ $BSSZIBOEMFTBOEEFUBDIBCMFTIPVMEFS
TUSBQTUBCMFCBTF
*//&3#"('03501#09
Ѽ 1PDLFUTGPSTNBMMJUFNT
Ѽ %FUBDIBCMFTIPVMEFSTUSBQ
6/45011"#-&5063
Ѽ $BQBDJUZBQQSPYMJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 0OFTUPSBHFDPNQBSUNFOUBDDFTTJCMF
GSPNPVUTJEF
Ѽ 0OFFYUFSJPSQPDLFUXJUIUSBOTQBSFOU
XJOEPXJO趒BQ
.*4$&--"/&064.0503$:$-&&26*1.&/5
-6(("(&30--
Ѽ 贺贾Y贷贶DN
Ѽ $BQBDJUZBQQSPY费贾MJUSFT
Ѽ 8BUFSQSPPG
Ѽ 3FNPWBCMFSJHJECBTFUSBZ
Ѽ *ODMVEFTTUSBQTGPSBUUBDINFOUUP
NPUPSDZDMF
Ѽ "EKVTUBCMFDBSSZIBOEMFT
.&44&/(&3#"(
'6/$5*0/#"(
)*1#"(
Ѽ $BQBDJUZBQQSPY费MJUSFT
Ѽ &YUFSOBMOFUQPDLFUTBOEPOF[JQ
QPDLFU
Ѽ *ODMVEFTCSJHIUMZDPMPVSFESBJODPWFS
BOESFNPWBCMFTIPVMEFSTUSBQ
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贶贼UP贷贷MJUSFT
Ѽ $BOCFFBTJMZTFDVSFEUPUIFNPUPSDZDMFWJBDBSSZJOH
TUSBQT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOUXJUIJOUFHSBUFEMBQUPQ
QPDLFU
Ѽ )FMNFUDPNQBSUNFOUJOMPXFSTFDUJPO
Ѽ 'PVSPVUFSQPDLFUT
Ѽ &SHPOPNJDBMMZTIBQFECBDLTFDUJPO
Ѽ "EKVTUBCMFDVTIJPOFEBOEWFOUJMBUFETIPVMEFSTUSBQT
Ѽ $BOCFDPNQSFTTFEGPSTUPSBHF
Ѽ 8JUITPMJECBTF
Ѽ $BQBDJUZBQQSPY贵贶MJUSFT
Ѽ )JHIMZXBUFSSFQFMMFOU
Ѽ %FUBDIBCMFIJQCFMU
Ѽ 1BEEFEMBQUPQDPNQBSUNFOU
Ѽ 1BEEFECBDL
Ѽ -FOHUIBEKVTUBCMFQBEEFETIPVMEFS
TUSBQ
Ѽ 1SBDUJDBM[JQQFEQPDLFUTGPSTNBMM
PCKFDUT
)&"5&%(3*14
0/#0"3%500-,*5
"WBJMBCMFGPSBMMNPEFMTFYDFQU
)1贶.FHBNPUP(贺费贾9NPUP
(贺费贾9DPVOUSZ(贺费贾9DIBMMFOHF
Ѽ &WFSZUIJOHZPVOFFEUPNBJOUBJOBOE
DBSFGPSZPVSNPUPSDZDMF
Ѽ 4OBQMPDLGBTUFOJOHTZTUFN
Ѽ 4NBMMMJHIUXFJHIUBOEWFSTBUJMF
Ѽ 8JUITQBDFTGPSBEEJUJPOBMUPPMT
Ѽ $BOCFBVHNFOUFEXJUI
NPEFMTQFDJ趑DQBSUT
Ѽ 5XPIFBUTFUUJOHT
'6/$5*0//"7*("503#"(
Ѽ .BEFPGIBSEXFBSJOHOZMPO
Ѽ -BSHFNBJODPNQBSUNFOUBOE
BEKVTUBCMFTNBMMFSDPNQBSUNFOUT
Ѽ ,FFQTEFWJDFTBGFXIFOCFJOHTUPSFE
PSDBSSJFE
-"3(&4103540'5#"(
4."--4103540'5#"(
Ѽ $BQBDJUZFYQBOEBCMFGSPNBQQSPY贷贵
UPBQQSPY贷贺MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHF
QPDLFUT
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5ISFFPVUFSQPDLFUTPOTJEFT
Ѽ 4UPSBHFDPNQBSUNFOUJOMJEGPSTNBMM
JUFNT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ $BQBDJUZBQQSPY费费MJUSFT
Ѽ 8BUFSQSPPGNBJODPNQBSUNFOU
Ѽ 4IPVMEFSTUSBQDBSSZIBOEMFTTUPSBHFQPDLFUT
Ѽ 'BTUFOJOHTUSBQTJODMVEFE
Ѽ .BEFPGIBSEXFBSJOHFBTZDBSFGBCSJD
Ѽ 5XPFYUFSJPSQPDLFUTPOTJEFT
Ѽ 0OFTUPSBHFDPNQBSUNFOUBDDFTTJCMFGSPNPVUTJEF
Ѽ 0OFFYUFSJPSQPDLFUXJUIUSBOTQBSFOUXJOEPXJO趒BQ
$:-*/%&3)&"%$07&3
3&1"*3,*5
"WBJMBCMFGPS)1贶&OEVSP
)1贶.FHBNPUP3贵贶贾贾33贵贶贾贾4
3贵贶贾贾353贵贶贾贾45
3贵贶贾贾(43贵贶贾贾(4"EWFOUVSF
Ѽ "MMPXTSJEFSTUPDPOUJOVFUIFJSKPVSOFZ
XJUIBEBNBHFEWBMWFDPWFS
Ѽ 0JMSFTJTUBOUXFBUIFSQSPPGSVCCFS
.0503$:$-&$07&3
.*4$&--"/&064.0503$:$-&&26*1.&/5
3&1"*3."/6"#.8.05033"%#"55&3:
$)"3(&3
Ѽ $IBSHFTUIFCBUUFSZXIFOUIF
NPUPSDZDMFIBTOPUCFFOSJEEFOGPSBO
FYUFOEFEQFSJPEPGUJNF
Ѽ 1MVHTJOUPPOCPBSETPDLFU
Ѽ *ODMVEFTBEBQUPSGPSEJSFDUDPOOFDUJPO
UPCBUUFSZ
Ѽ 0O%7%
Ѽ "DPNQSFIFOTJWFHVJEFUPNBJOUBJOJOH
BOESFQBJSJOHZPVSNPUPSDZDMF
-"3(&'*345"*%,*5
Ѽ %JNFOTJPOT贵贻Y贵贶Y贺DN
Ѽ $POUFOUTDPNQMZXJUI%*/TUBOEBSE
GPSNPUPSDZDMF趑STUBJELJUT
Ѽ 8BUFSQSPPGDBTF
16/$563&3&1"*3,*5'03
56#6-"35:3&4
.*/*'00516.1
4."--'*345"*%,*5
'PSBMMNPEFMTXJUIUVCVMBSUZSFT
Ѽ 8JUIEJHJUBMQSFTTVSFHBVHF
Ѽ )JHIMZWFSTBUJMFѭDBOCFVTFEUP
JODSFBTFBJSQSFTTVSFJO"JS%BNQJOH
4ZTUFNDIFDLBOEDPSSFDUUZSF
QSFTTVSFTBOEQVNQVQJO趒BUBCMF
NBUUSFTTFTGPPUCBMMTFUD
Ѽ %JNFOTJPOT贵费Y贽费Y贷DN
Ѽ "IBOEZCBTJD趑STUBJELJU
Ѽ $PNQMJFTXJUI%*/TUBOEBSE
Ѽ 8BUFSQSPPGDBTF
Ѽ 8JUIHMVFQBUDIFTJOWBSJPVTTJ[FT
TBOEQBQFSBOEWBMWFEJTDT
-&%-*()5'030/#0"3%
40$,&5
8"3/*/(53*"/(-&
Ѽ *EFBMGPSXPSLJOHBOESFBEJOH
Ѽ 'MFYJCMFBSN
Ѽ -PXFMFDUSJDJUZDPOTVNQUJPO
):%3"6-*$0*'PSBMMNPEFMTXJUIUFMFTDPQJDGPSLT
Ѽ &OTVSFTPQUJNVNEBNQJOH
Ѽ 4ZOUIFUJDPJMXJUIIJHIQFSGPSNBODF
BEEJUJWFT
Ѽ "WBJMBCMFJO贵MJUSFBOE费MJUSFTJ[FT
Ѽ )FMQTTFDVSFBCSFBLEPXOPSBDDJEFOU
TJUF
Ѽ &BTZUPBTTFNCMFXJUITUVSEZTUBOE
Ѽ 1BDLTEPXOUPTNBMMTJ[F8Y)Y%
BQQSPY贶贶费Y贼费Y贷费DN
Ѽ -FOHUIXIFOBTTFNCMFE
BQQSPY贸贶DN
Ѽ 3FEQMBTUJDDPOUBJOFSGPSTUPSBHF
Ѽ $PNQMJFTXJUI&$&SFHVMBUJPO3贶贻
16/$563&3&1"*3,*5'03
56#&-&445:3&4
.0503$:$-&$-&"/&3
Ѽ 贵贾贾贾NM
Ѽ %FTJHOFETQFDJBMMZGPSIJHIRVBMJUZ
#.8.PUPSSBENBUFSJBMT
Ѽ #JPEFHSBEBCMF
'PSBMMNPEFMTXJUIUVCFMFTTUZSFT
Ѽ 1MVHT
Ѽ "XM
Ѽ ,OJGF
Ѽ (MVF
Ѽ "JSDBOJTUFS
Ѽ "EBQUPS
)1&/%630
)1.&(".050
3$
33VQUP
33POXBSET
3(4
34
334
)JHI1FSGPSNBODF1BSUT
Ѽ )1DBSCPODZMJOEFSIFBEDPWFS
Ѽ )1NJMMFEGPPUCSBLFMFWFS
Ѽ )1NJMMFEHFBSMFWFS
4UPSBHF
Ѽ 5BOLCBH
Ѽ 3FBSCBH
%FTJHO
Ѽ 8IJUFJOEJDBUPST
4PVOE
Ѽ "LSBQPWJÍTQPSUTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ -PXTFBU
Ѽ 1JMMJPOQBTTFOHFSGPPUQFHT
4BGFUZ
Ѽ )BOEMFCBSQBEEJOH
Ѽ $ZMJOEFSIFBEDPWFSSFQBJSLJU
Ѽ 4BGFUZTDSFXGPSPJM趑MMFSDBQ
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 1BEEPDLTUBOE
Ѽ 1BEEPDLTUBOEBEBQUPS
Ѽ 5ZSFCPMU
Ѽ 3FQBJSNBOVBM
)JHI1FSGPSNBODF1BSUT
Ѽ )1GPSHFEXIFFMT
Ѽ )1DBSCPOFOHJOFDPWFS
4UPSBHF
Ѽ 4NBMMTQPSUTPGUCBH贶
Ѽ 3FBSCBH
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
%FTJHO
Ѽ .JMMFEIBOEMFWFS
&SHPOPNJDTBOEDPNGPSU
Ѽ )JHITFBU
Ѽ )JHIGPPUQFHT
Ѽ 'PPUQFHQBET
Ѽ 1JMMJPOGPPUQFHT
4BGFUZ
Ѽ )BOEMFCBSQBEEJOH
Ѽ 4BGFUZTDSFXGPSPJM趑MMFSDBQ
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 1BEEPDLTUBOE
Ѽ 1BEEPDLTUBOEBEBQUPS
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4BEEMFCBHTUISFFDPMPVST
Ѽ -BSHFTBEEMFCBH
Ѽ *OOFSCBHGPSTBEEMFCBH
Ѽ 4BEEMFCBHNPVOUJOH
%FTJHO
Ѽ $ISPNFGVFM趑MMFSDBQ
Ѽ $ISPNFFYIBVTUQJQF趑OJTIFST
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFHBVHFNPVOUJOHUSJN
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFSBEJBUPSHSJMMFT
Ѽ $ISPNFIPSODPWFS
Ѽ $ISPNFXIFFMDBQT
GPSTQPLFEXIFFM
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
Ѽ $ISPNFDMVUDIBOEIBOECSBLF
MFWFST
Ѽ $ISPNF趑MMFSDBQGPSCSBLF
DMVUDISFTFSWPJS
Ѽ $ISPNFXJOHNJSSPST
Ѽ $ISPNFQFEFTUBMDMBNQMPXFS
&SHPOPNJDTBOEDPNGPSU
Ѽ -BSHFDSVJTFSXJOETIJFME
Ѽ 4QFFETUFSXJOETIJFME
Ѽ 1JMMJPODPNGPSUTFBU
Ѽ 3BJMJOHGPSMBSHFQJMMJPOTFBU
4BGFUZ
Ѽ 'PHMJHIU
Ѽ $ZMJOEFSQSPUFDUJPO
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ 1BOOJFSNPVOUJOHT
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 4PGUDBTF
Ѽ -VHHBHFHSJE
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
&SHPOPNJDTBOEDPNGPSU
Ѽ 8JOETIJFME
Ѽ 3PBETUFSXJOETIJFME
4BGFUZ
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FWDPVOUFSDMPDLSFUSP趑ULJU
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ -VHHBHFHSJE
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 4PGUDBTF
%FTJHO
Ѽ $PWFSQMBUF
Ѽ $BSCPOPJMDPPMFSUSJN
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ISPNFBMUFSOBUPSDPWFS
Ѽ $ZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
Ѽ $ISPNF趑MMFSDBQGPSCSBLFDMVUDI
SFTFSWPJS
Ѽ $BSCPOBMUFSOBUPS
&SHPOPNJDTBOEDPNGPSU
Ѽ -BSHFXJOETIJFME
Ѽ 4QFFETUFSXJOETIJFME
Ѽ 1JMMJPODPNGPSUTFBU
4BGFUZ
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FWDPVOUFSDMPDLSFUSP趑ULJU
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 贷费MJUSFUPQCPY
Ѽ $BSQFUJOTFSUGPSUPQCPY
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 4PGUDBTF
Ѽ 1BOOJFSNPVOUJOHT
Ѽ -VHHBHFHSJE
Ѽ 5BOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ )BOEMFCBSDSPTTCSBDFDPWFS
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
Ѽ 贺NNDISPNFDZMJOEFS
TDSFXDBQT
Ѽ 贼NNDISPNFDZMJOEFS
TDSFXDBQT
Ѽ 贵贾NNDISPNFDZMJOEFS
TDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
&SHPOPNJDTBOEDPNGPSU
Ѽ )FBUFEHSJQT
GPSNPEFMTCVJMUVQUP贵贽贽贺
4BGFUZ
Ѽ )BOEQSPUFDUPST
Ѽ &OHJOFQSPUFDUJPOCBS
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 3VDLTBDLGPSQJMMJPOTFBU
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $BSCPOFOHJOFTQPJMFS
Ѽ $BSCPOUBOLDPWFS
Ѽ $BSCPOVQQFSGBJSJOH
Ѽ $BSCPOTQBSLQMVHDPWFS
Ѽ $BSCPOUPQZPLFDPWFS
Ѽ $BSCPOFYIBVTUNBOJGPMEDPWFS
Ѽ $BSCPOHFBSMFWFSUSJN
Ѽ $BSCPOCSBLFDZMJOEFSDPWFS
Ѽ $BSCPOTQSJOHDPWFS
Ѽ 1JMMJPOTFBUDPWFSJOQBJOUDPMPVS
Ѽ $BSCPOQJMMJPOTFBUDPWFS
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFBMUFSOBUPSDPWFS
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
4BGFUZ
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 5PQCPY
Ѽ #BDLSFTUQBEGPSUPQCPY
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 1BOOJFSNPVOUJOHT
Ѽ -VHHBHFHSJE
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
&SHPOPNJDTBOEDPNGPSU
Ѽ )FBUFEHSJQT
4BGFUZ
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
335
33
3(4
334
335
33
3330$,45&3
3(4
4UPSBHF
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 5PQCPY
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 5BOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
Ѽ $ISPNFDMVUDIBOEIBOECSBLF
MFWFST
Ѽ $ISPNF趑MMFSDBQGPSCSBLFDMVUDI
SFTFSWPJS
&SHPOPNJDTBOEDPNGPSU
Ѽ )JHIXJOETIJFME
Ѽ )JHIXJEFXJOETIJFME
Ѽ 3JEFSDPNGPSUTFBU
Ѽ )FBUFEHSJQT
4BGFUZ
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 4PGUDBTF
Ѽ -VHHBHFHSJE
Ѽ 5BOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
&SHPOPNJDTBOEDPNGPSU
Ѽ 3PBETUFSXJOETIJFME
Ѽ 8JOETIJFMEGPSNPEFMT
CVJMUGSPN贵贽贽贻POXBSET
4BGFUZ
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
Ѽ $ZMJOEFSQSPUFDUJPO
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 贷费MJUSFUPQCPY
Ѽ $BSQFUJOTFSUGPSUPQCPY
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 4PGUDBTF
Ѽ 1BOOJFSNPVOUJOHT
Ѽ -VHHBHFHSJE
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
&SHPOPNJDTBOEDPNGPSU
Ѽ -PXTFBU
Ѽ )FBUFEHSJQT
4BGFUZ
Ѽ )BOEQSPUFDUPST
Ѽ &OHJOFQSPUFDUJPOCBS
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 5PQCPY
Ѽ #BDLSFTUQBEGPSUPQCPY
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 1BOOJFSNPVOUJOHT
Ѽ -VHHBHFHSJE
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ISPNFBMUFSOBUPSDPWFS
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
Ѽ -BSHFXJOETIJFME
4BGFUZ
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 5PQCPY
Ѽ #BDLSFTUQBEGPSUPQCPY
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ISPNFBMUFSOBUPSDPWFS
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
Ѽ $ISPNFDMVUDIBOEIBOECSBLF
MFWFST
Ѽ $ISPNF趑MMFSDBQGPSCSBLF
DMVUDISFTFSWPJS
&SHPOPNJDTBOEDPNGPSU
Ѽ -BSHFXJOETIJFME
Ѽ )JHIXJEFXJOETIJFME
Ѽ 3JEFSDPNGPSUTFBU
Ѽ &$&TUFSFPSBEJPDBTTFUUFQMBZFS
Ѽ 3FNPUFDPOUSPMGPS&$&TUFSFP
SBEJPDBTTFUUFQMBZFS
4BGFUZ
Ѽ "OUJUIFGUBMBSNTZTUFNXJUI
SFNPUFDPOUSPMGPSNPEFMTCVJMU
GSPN贶贾贾贶POXBSET
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ -VHHBHFGBTUFOJOHLJU
Ѽ 4ZTUFNQBOOJFST
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 4PGUDBTF
Ѽ 1BOOJFSNPVOUJOHT
Ѽ -VHHBHFHSJE
Ѽ -BSHFMVHHBHFHSJE
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFBMUFSOBUPSDPWFS
Ѽ $BSCPOPJMDPPMFSUSJN
Ѽ 1JMMJPOTFBUDPWFSQMBUF
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ZMJOEFSTDSFXDBQT
Ѽ $ISPNFDMVUDIBOEIBOECSBLF
MFWFST
Ѽ $ISPNF趑MMFSDBQGPSCSBLF
DMVUDISFTFSWPJS
&SHPOPNJDTBOEDPNGPSU
Ѽ -BSHFXJOETIJFME
Ѽ 4QFFETUFSXJOETIJFME
Ѽ 1JMMJPODPNGPSUTFBU
4BGFUZ
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ -VHHBHFGBTUFOJOHLJU
Ѽ 4ZTUFNQBOOJFST
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 4PGUDBTF
Ѽ -VHHBHFHSJE
Ѽ -BSHFMVHHBHFHSJE
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $BSCPOPJMDPPMFSUSJN
Ѽ 1JMMJPOTFBUDPWFSQMBUF
&SHPOPNJDTBOEDPNGPSU
Ѽ 1JMMJPODPNGPSUTFBU
4BGFUZ
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 贷费MJUSFUPQCPY
Ѽ $BSQFUJOTFSUGPSUPQCPY
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 4PGUDBTF
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ -VHHBHFHSJE
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFBMUFSOBUPSDPWFS
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNF趑MMFSDBQGPSCSBLFDMVUDI
SFTFSWPJS
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
4BGFUZ
Ѽ )BOEMFCBSQBEEJOH
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ 'PHMJHIU
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
Ѽ )FBEMJHIUHSJMMF
Ѽ &OHJOFQSPUFDUJPOCBS
Ѽ )BOEQSPUFDUPST
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
3(4"%7
34
33VQUP
3$
3$-
3$.0/5"6,
345
,34
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ "MVNJOJVNQBOOJFST
Ѽ *OOFSCBHGPSBMVNJOJVNQBOOJFST
Ѽ "MVNJOJVNUPQCPY
Ѽ 1BOOJFSNPVOUJOHTGPSTZTUFN
QBOOJFST
Ѽ 3BDLTZTUFNGPSBMVNJOJVN
QBOOJFST
Ѽ 5PQCPYNPVOUJOHMVHHBHFHSJE
GPSBMVNJOJVNUPQCPY
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
%FTJHO
Ѽ $BSCPOBMUFSOBUPSDPWFS
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNF趑MMFSDBQGPSCSBLF
DMVUDISFTFSWPJS
4BGFUZ
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ 'PHMJHIUGPSNPEFMTCVJMU
GSPN贶贾贾贶POXBSET
Ѽ )FBEMJHIUHSJMMF
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
)JHI1FSGPSNBODF1BSUT
Ѽ )1DBSCPOTJMFODFSDPWFS
Ѽ )1DBSCPOFOHJOFDPWFS
Ѽ )1DBSCPODZMJOEFSIFBEDPWFS
Ѽ )1GPSHFEXIFFMT
Ѽ )1JOTUSVNFOUDMVTUFS
Ѽ )1MBQUJNFS
Ѽ "EEJUJPOBMDPOUSPMTGPSJOTUSVNFOU
DMVTUFS
4UPSBHF
Ѽ 4QPSUQBOOJFST
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 4NBMMTQPSUTPGUCBH贶
Ѽ 4NBMMTQPSUTPGUCBH
Ѽ -BSHFTQPSUTPGUCBH
%FTJHO
Ѽ 4FBUIVNQDPWFS
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ -&%JOEJDBUPST
Ѽ 8IJUFJOEJDBUPST
4PVOE
Ѽ "LSBQPWJÍTQPSUTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ 5JOUFEXJOETIJFME
/BWJHBUJPOBOEFOUFSUBJONFOU
Ѽ #.8.PUPSSBE/BWJHBUPS*7
4BGFUZ
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
Ѽ $ZMJOEFSIFBEDPWFSSFQBJSLJU
Ѽ 4BGFUZTDSFXGPSPJM趑MMFSDBQ
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 1BEEPDLTUBOE
Ѽ 1BEEPDLTUBOEBEBQUPS
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4NBMMUPQCPY
Ѽ *OOFSCBHGPSTNBMMUPQCPY
Ѽ 4ZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 4NBMMTQPSUTPGUCBH贶
Ѽ -BSHFTQPSUTPGUCBH贶
Ѽ 1BOOJFSNPVOUJOHT
Ѽ -BSHFQBOOJFSNPVOUJOHT
JODMVEJOHMVHHBHFHSJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFS
%FTJHO
Ѽ )1GPSHFEXIFFMT
Ѽ )1NJMMFEIBOEMFWFS
Ѽ 5FMFMFWFSDBQT
Ѽ 5PQZPLFDBQT
Ѽ 4BGFUZTDSFXGPSPJM趑MMFSDBQ
Ѽ 8IJUFJOEJDBUPST
Ѽ -&%SFBSMJHIU
Ѽ -&%JOEJDBUPST
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ISPNFXJOHNJSSPST
4PVOE
Ѽ "LSBQPWJÍTQPSUTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ "EEJUJPOBMQPXFSTPDLFU
Ѽ 4QPSUXJOETIJFME
Ѽ )JHIXJOETIJFME
Ѽ )JHITFBU
Ѽ -PXTFBU
Ѽ &YUSBMPXTFBU
Ѽ -PXDPNGPSUTFBU
Ѽ )JHIDPNGPSUTFBU
Ѽ $FOUSFTUBOE
/BWJHBUJPOBOEFOUFSUBJONFOU
Ѽ #.8.PUPSSBE/BWJHBUPS*7
4BGFUZ
Ѽ &OHJOFQSPUFDUJPOCBS
Ѽ 1MBTUJDDZMJOEFSIFBEDPWFSHVBSE
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ #.8.PUPSSBE"4$
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 1BEEPDLTUBOE
Ѽ 1BEEPDLTUBOEBEBQUPS
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4BEEMFCBHTUISFFDPMPVST
Ѽ -BSHFTBEEMFCBH
Ѽ 4BEEMFCBHNPVOUJOH
%FTJHO
Ѽ $ISPNFGVFM趑MMFSDBQ
Ѽ $ISPNFFYIBVTUQJQF趑OJTIFST
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFHBVHFNPVOUJOHUSJN
Ѽ $ISPNFBMUFSOBUPSDPWFS
Ѽ $ISPNFSBEJBUPSHSJMMFT
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
Ѽ $ISPNFIPSODPWFS
Ѽ $ISPNFXIFFMDBQT
GPSTQPLFEXIFFMT
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
Ѽ $ISPNFDMVUDIBOEIBOECSBLF
MFWFST
Ѽ $ISPNFXJOHNJSSPST
Ѽ $ISPNFTXJOHBSNQJWPUDPWFS
&SHPOPNJDTBOEDPNGPSU
Ѽ -BSHFXJOETIJFME
Ѽ 4QFFETUFSXJOETIJFME
Ѽ 1JMMJPODPNGPSUTFBU
Ѽ 3BJMJOHGPSQJMMJPODPNGPSUTFBU
4BGFUZ
Ѽ 'PHMJHIU
Ѽ $ZMJOEFSQSPUFDUJPO
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ *OOFSCBHGPSQBOOJFST
Ѽ *OOFSCBHGPSUPQCPY
%FTJHO
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFBMUFSOBUPSDPWFS
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
Ѽ $ISPNFDMVUDIBOEIBOECSBLF
MFWFST
Ѽ $ISPNFUPQZPLF
Ѽ $ISPNF趑MMFSDBQGPSCSBLF
DMVUDISFTFSWPJS
Ѽ $ISPNFTXJOHBSNQJWPUDPWFS
&SHPOPNJDTBOEDPNGPSU
Ѽ $ISPNFGPPUQFHTGPSQJMMJPO
QBTTFOHFS
Ѽ %SJOLIPMEFS
4BGFUZ
Ѽ 'PHMJHIU
Ѽ 3FBSFOHJOFQSPUFDUJPOCBS
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 4BEEMFCBHTUISFFDPMPVST
Ѽ -BSHFTBEEMFCBH
Ѽ *OOFSCBHGPSTBEEMFCBH
Ѽ 4BEEMFCBHNPVOUJOH
%FTJHO
Ѽ $ISPNFGVFM趑MMFSDBQ
Ѽ $ISPNFPJM趑MMFSTDSFX
Ѽ $ISPNFBMUFSOBUPSDPWFS
Ѽ $ISPNFSBEJBUPSHSJMMFT
Ѽ $ISPNFIPSODPWFS
Ѽ $ISPNFDZMJOEFSTDSFXDBQT
Ѽ $ISPNFUZSFWBMWFDBQT
Ѽ $ISPNFDMVUDIBOEIBOECSBLF
MFWFST
Ѽ $ISPNFUPQZPLF
Ѽ $ISPNF趑MMFSDBQGPSCSBLF
DMVUDISFTFSWPJS
Ѽ $ISPNFTXJOHBSNQJWPUDPWFS
Ѽ $ISPNFXJOHNJSSPST
Ѽ $ISPNFHBVHFNPVOUJOHUSJN
&SHPOPNJDTBOEDPNGPSU
Ѽ $SVJTFSXJOETIJFME
Ѽ 1JMMJPODPNGPSUTFBU
Ѽ 3BJMJOHGPSQJMMJPOTFBU
4BGFUZ
Ѽ $ZMJOEFSQSPUFDUJPO
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
)JHI1FSGPSNBODF1BSUT
Ѽ )1DBSCPOFOHJOFDPWFS
Ѽ )1DBSCPODZMJOEFSIFBEDPWFS
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFS
Ѽ 4NBMMUPQCPY
Ѽ *OOFSCBHGPSTNBMMUPQCPY
Ѽ #BDLSFTUQBEGPSTNBMMUPQCPY
Ѽ -VHHBHFHSJE
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 6OJWFSTBMUBOLCBH
Ѽ 4NBMMTQPSUTPGUCBH贶
Ѽ -BSHFTQPSUTPGUCBH贶
%FTJHO
Ѽ 3FBSNVEHVBSE
Ѽ 8IJUFJOEJDBUPST
Ѽ $ISPNFDZMJOEFSIFBEDPWFS
4PVOE
Ѽ "LSBQPWJÍTQPSUTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ 5JOUFEXJOETIJFME
Ѽ $FOUSFTUBOE
Ѽ -PXTFBU
Ѽ )FBUFEHSJQT
4BGFUZ
Ѽ "4$
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ $ZMJOEFSQSPUFDUJPOTNBMM
Ѽ $ZMJOEFSIFBEDPWFSSFQBJSLJU
Ѽ 4BGFUZTDSFXGPSPJM趑MMFSDBQ
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ $JUZQBOOJFST
Ѽ *OUFHSBMQBOOJFST
Ѽ #.8FNCMFNGPSJOUFHSBM
QBOOJFST
Ѽ 5PVSJOHFNCMFNGPSJOUFHSBM
QBOOJFST
Ѽ 4JEFSF趒FDUPSTGPSJOUFHSBM
QBOOJFST
Ѽ *OOFSCBHGPSJOUFHSBM
QBOOJFST
Ѽ 5PQCPY
Ѽ -VHHBHFHSJE
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
&SHPOPNJDTBOEDPNGPSU
Ѽ )FBUFEHSJQT
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
,-5
,4
,341035
,3
,(5
,-5VQUP
,-5
,34
4UPSBHF
Ѽ $JUZQBOOJFST
Ѽ *OUFHSBMQBOOJFST
Ѽ *OOFSCBHGPSJOUFHSBMQBOOJFST
Ѽ 5PQCPY
Ѽ $BSQFUJOTFSU
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
&SHPOPNJDTBOEDPNGPSU
Ѽ ,OFFQBET
Ѽ )FBUFENJSSPST
Ѽ )FBUFEHSJQT
Ѽ &OHJOFQSPUFDUJPOCBS
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
)JHI1FSGPSNBODF1BSUT
Ѽ )1GPPUQFHT
Ѽ )1GPSHFEXIFFMT
Ѽ )1DBSCPOGSPOUNVEHVBSE
Ѽ )1DBSCPODPDLQJUJOUFSJPSQBOFMT
Ѽ )1DBSCPOUBOLDPWFS
Ѽ )1DBSCPODMVUDIDPWFS
Ѽ )1DBSCPOBJSCPYDPWFS
Ѽ )1DBSCPOTFBUDPWFS
Ѽ )1JOTUSVNFOUDMVTUFS
Ѽ )1MBQUJNFS
4UPSBHF
Ѽ 4QPSUQBOOJFST
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 6OJWFSTBMUBOLCBH
Ѽ 4NBMMTQPSUTPGUCBH贶
Ѽ -BSHFTQPSUTPGUCBH贶
%FTJHO
Ѽ 3FBSNVEHVBSE
4PVOE
Ѽ -BTFSTQPSUTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ 5JOUFEXJOETIJFME
Ѽ $FOUSFTUBOE
Ѽ -PXTFBU
/BWJHBUJPOBOEFOUFSUBJONFOU
Ѽ #.8.PUPSSBE/BWJHBUPS*7
4BGFUZ
Ѽ "4$
Ѽ "OUJUIFGUBMBSNTZTUFN
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 1BEEPDLTUBOE
Ѽ 1BEEPDLTUBOEBEBQUPS
Ѽ 3FQBJSNBOVBM
)JHI1FSGPSNBODF1BSUT
Ѽ )1GPPUQFHT
Ѽ )1DBSCPOFOHJOFTQPJMFS
Ѽ )1DBSCPOTFBUDPWFS
Ѽ )1DBSCPOGSPOUNVEHVBSE
Ѽ )1DBSCPODMVUDIDPWFS
Ѽ )1GPSHFEXIFFMT
4UPSBHF
Ѽ 4QPSUQBOOJFST
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 6OJWFSTBMUBOLCBH
Ѽ 4NBMMTQPSUTPGUCBH贶
Ѽ -BSHFTQPSUTPGUCBH贶
%FTJHO
Ѽ 3FBSNVEHVBSE
Ѽ 8IJUFJOEJDBUPST
Ѽ -&%JOEJDBUPST
Ѽ -&%SFBSMJHIU
4PVOE
Ѽ -BTFSTQPSUTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ 5JOUFEXJOETIJFME
Ѽ $FOUSFTUBOE
Ѽ -PXTFBU
Ѽ 1JMMJPODPNGPSUTFBU
/BWJHBUJPOBOEFOUFSUBJONFOU
Ѽ #.8.PUPSSBE/BWJHBUPS*7
4BGFUZ
Ѽ "4$
Ѽ "OUJUIFGUBMBSNTZTUFN
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 1BEEPDLTUBOE
Ѽ 1BEEPDLTUBOEBEBQUPS
Ѽ 3FQBJSNBOVBM
)JHI1FSGPSNBODF1BSUT
Ѽ )1GPPUQFHT
Ѽ )1GPSHFEXIFFMT
Ѽ )1DBSCPOFOHJOFTQPJMFS
Ѽ )1DBSCPOGSPOUNVEHVBSE
Ѽ )1DBSCPOBJSJOUBLF
Ѽ )1DBSCPODMVUDIDPWFS
Ѽ )1DBSCPOTFBUDPWFS
Ѽ )1DBSCPOXJOETIJFME
)1JOTUSVNFOUDMVTUFS
Ѽ )1MBQUJNFS
4UPSBHF
Ѽ 4QPSUQBOOJFST
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 6OJWFSTBMUBOLCBH
Ѽ 4NBMMTQPSUTPGUCBH贶
Ѽ -BSHFTQPSUTPGUCBH贶
%FTJHO
Ѽ 3FBSNVEHVBSE
Ѽ 8IJUFJOEJDBUPST
Ѽ -&%JOEJDBUPST
Ѽ -&%SFBSMJHIU
4PVOE
Ѽ -BTFSTQPSUTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ 5JOUFETQPSUXJOETIJFME
Ѽ $FOUSFTUBOE
Ѽ -PXTFBU
Ѽ 1JMMJPODPNGPSUTFBU
Ѽ )FBUFEHSJQT
/BWJHBUJPOBOEFOUFSUBJONFOU
Ѽ #.8.PUPSSBE/BWJHBUPS*7
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ "4$
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ 1BEEPDLTUBOE
Ѽ 1BEEPDLTUBOEBEBQUPS
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ -BSHFQBOOJFSMJEGPSNPEFMT
CVJMUVQUP贶贾贾贸
Ѽ 'MBUQBOOJFSMJEGPSNPEFMT
CVJMUVQUP贶贾贾贸
Ѽ 0QFOTZTUFNQBOOJFSTGPS
NPEFMTCVJMUGSPN贶贾贾费POXBSET
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ -BSHFUPQCPY
Ѽ 4NBMMUPQCPY
Ѽ *OOFSCBHGPSMBSHFUPQCPY
Ѽ *OOFSCBHGPSTNBMMUPQCPY
Ѽ 4PGUDBTF
Ѽ -BSHFMVHHBHFHSJEGPSNPEFMT
CVJMUVQUP贶贾贾贸
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 4NBMMTQPSUTPGUCBH贶
Ѽ -BSHFTQPSUTPGUCBH贶
&SHPOPNJDTBOEDPNGPSU
Ѽ -BSHFXJOETIJFMEGPSNPEFMT
CVJMUGSPN贶贾贾费POXBSET
Ѽ 5JOUFEXJOETIJFMEGPSNPEFMT
CVJMUGSPN贶贾贾费POXBSET
Ѽ -PXTFBUGPSNPEFMTCVJMUGSPN
贶贾贾费POXBSET
/BWJHBUJPOBOEFOUFSUBJONFOU
Ѽ #.8.PUPSSBE/BWJHBUPS*7
4BGFUZ
Ѽ "4$GPSNPEFMTCVJMUGSPN贶贾贾费
POXBSET
Ѽ "OUJUIFGUBMBSNTZTUFN
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 1BEEPDLTUBOE
Ѽ 1BEEPDLTUBOEBEBQUPS
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ *OOFSCBHGPSQBOOJFST
Ѽ *OOFSCBHGPSUPQCPY
Ѽ $ISPNFUSJNSFUSP趑ULJU
Ѽ 5BOLCBHXJUINBQQPDLFU
%FTJHO
Ѽ $ISPNFDMVUDIIBOECSBLFMFWFST
Ѽ $ISPNF趑MMFSDBQGPSCSBLFDMVUDI
SFTFSWPJS
Ѽ $ISPNFGPPUQFHTGPSQJMMJPO
QBTTFOHFS
&SHPOPNJDTBOEDPNGPSU
Ѽ )JHIXJOETIJFME
Ѽ )FBUFESJEFSTFBU
Ѽ )FBUFEQJMMJPOTFBU
Ѽ )FBUFECBDLSFTU
/BWJHBUJPOBOEFOUFSUBJONFOU
Ѽ 3FNPUFDPOUSPMGPS&$&TUFSFP
SBEJPDBTTFUUFQMBZFS
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ *OOFSCBHGPSQBOOJFST
Ѽ 5BOLCBHXJUINBQQPDLFU
%FTJHO
Ѽ $ISPNF趑MMFSDBQGPSCSBLF
DMVUDISFTFSWPJS
Ѽ $ISPNFDMVUDIIBOECSBLFMFWFST
Ѽ $ISPNFGPPUQFHTGPSQJMMJPO
QBTTFOHFS
Ѽ 9FOPOIFBEMJHIU
GPSNPEFMTCVJMUGSPN
贵+BOVBSZ贶贾贾贸POXBSET
Ѽ $ISPNFUSJNSFUSP趑ULJU
GPSNPEFMTCVJMUGSPN
贵"QSJM贶贾贾贸POXBSET
&SHPOPNJDTBOEDPNGPSU
Ѽ )JHIXJOETIJFME
Ѽ )FBUFESJEFSTFBU
Ѽ )FBUFEQJMMJPOTFBU
/BWJHBUJPOBOEFOUFSUBJONFOU
Ѽ 3FNPUFDPOUSPMGPS&$&TUFSFP
SBEJPDBTTFUUFQMBZFS
4UPSBHF
Ѽ 4ZTUFNQBOOJFST
Ѽ -BSHFQBOOJFSMJE
Ѽ 'MBUQBOOJFSMJE
Ѽ *NQBDUQSPUFDUJPOTZTUFNGPS
TZTUFNQBOOJFST
Ѽ *OOFSCBHGPSTZTUFNQBOOJFS
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 5PQCPYGPSNPEFMTCVJMUGSPN
贶贾贾贸POXBSET
Ѽ 4PGUDBTF
Ѽ -VHHBHFHSJE
Ѽ -BSHFMVHHBHFHSJE
Ѽ 5BOLCBH
&SHPOPNJDTBOEDPNGPSU
Ѽ $PNGPSUIBOEMFCBSCSBDLFU
Ѽ )FBUFEHSJQT
4BGFUZ
Ѽ "OUJUIFGUBMBSNTZTUFN
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
'$4
'(4TJOHMFDZMJOEFS
'(4%","3
'4
(9
(9$06/53:
(9.050
(9$)"--&/(&
4UPSBHF
Ѽ 贷贵MJUSFUPQCPY
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 5PQCPYNPVOUJOH
Ѽ 4PGUCBHGPSQJMMJPOTFBU
Ѽ 4PGUCBHGPSMVHHBHFHSJE
Ѽ 'SPOUCBH
Ѽ )BSEDBTF
Ѽ )FMNFUDBSSZTUSBQ
%FTJHO
Ѽ &OHJOFTQPJMFS
Ѽ $ISPNFDPWFSJOTFSUT
Ѽ $ISPNFFYIBVTUQJQF趑OJTIFST
Ѽ $ISPNFXJOHNJSSPST
Ѽ $ISPNFJOTUSVNFOUUSJN
4PVOE
Ѽ 'VOBVEJPTZTUFN
&SHPOPNJDTBOEDPNGPSU
Ѽ )FBUFEHSJQT
4BGFUZ
Ѽ )B[BSEXBSOJOHMJHIUT
Ѽ "OUJUIFGUBMBSNTZTUFN
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 7BSJBCMFQBOOJFST
Ѽ *OOFSCBHGPSWBSJBCMFQBOOJFST
Ѽ 贷贵MJUSFUPQCPY
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 4PGUCBHGPSQJMMJPOTFBU
Ѽ 4PGUCBHGPSMVHHBHFHSJE
%FTJHO
Ѽ )BOEMFCBSDSPTTCSBDFDPWFS
&SHPOPNJDTBOEDPNGPSU
Ѽ )JHIXJOETIJFME
Ѽ 4JOHMFTFBUXJUIMVHHBHFHSJE
Ѽ )FBUFEHSJQT
Ѽ )BOEMFCBSQBEEJOH
/BWJHBUJPOBOEFOUFSUBJONFOU
Ѽ 0OCPBSEDPNQVUFS
4BGFUZ
Ѽ &OHJOFQSPUFDUJPOCBS
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ )BOEQSPUFDUPST
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ 7BSJBCMFQBOOJFST
Ѽ *OOFSCBHGPSWBSJBCMFQBOOJFST
Ѽ 贷贵MJUSFUPQCPY
Ѽ *OOFSCBHGPSUPQCPY
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 4PGUCBHGPSQJMMJPOTFBU
Ѽ 4PGUCBHGPSMVHHBHFHSJE
&SHPOPNJDTBOEDPNGPSU
Ѽ 4JOHMFTFBUXJUIMVHHBHFHSJE
Ѽ )FBUFEHSJQT
Ѽ )BOEQSPUFDUPST
/BWJHBUJPOBOEFOUFSUBJONFOU
Ѽ 0OCPBSEDPNQVUFS
4BGFUZ
Ѽ &OHJOFQSPUFDUJPOCBS
Ѽ "OUJUIFGUBMBSNTZTUFN
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 3FQBJSNBOVBM
4UPSBHF
Ѽ -VHHBHFHSJE
Ѽ 1BOOJFSNPVOUJOHT
Ѽ 4QPSUQBOOJFST
Ѽ 4NBMMUPQCPY
Ѽ *OOFSCBHGPSTNBMMUPQCPY
Ѽ 5BOLCBH
Ѽ 6OJWFSTBMUBOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ -BSHFTQPSUTPGUCBH贶
Ѽ 4NBMMTQPSUTPGUCBH贶
%FTJHO
Ѽ 1MBTUJDFOHJOFTQPJMFS
Ѽ -&%SFBSMJHIU
Ѽ -&%JOEJDBUPST
4PVOE
Ѽ "LSBQPWJÍTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ $FOUSFTUBOE
Ѽ -PXTFBU
Ѽ &YUSBMPXTFBU
Ѽ )JHIUJOUFEXJOETIJFME
Ѽ -PXUJOUFEXJOETIJFME
Ѽ 1JMMJPOTFBUDPWFS
Ѽ #BDLSFTUQBEGPSTNBMMUPQCPY
4BGFUZ
Ѽ &OHJOFQSPUFDUJPOCBS
Ѽ "OUJUIFGUBMBSNTZTUFN
Ѽ )BOEQSPUFDUPST
.BJOUFOBODFBOEUFDIOPMPHZ
Ѽ 1BEEPDLTUBOE
Ѽ 1BEEPDLTUBOEBEBQUPS
4UPSBHF
Ѽ &OEVSPSFBSCBH
Ѽ .PVOUJOHSBJMGPSFOEVSPSFBSCBH
Ѽ 3BDFQPDLFU
%FTJHO
Ѽ "MVNJOJVNCBTIQMBUF
4PVOE
Ѽ "LSBQPWJÍUJUBOJVNSBDJOHTJMFODFS
Ѽ "LSBQPWJÍUJUBOJVNSBDJOHFYIBVTU
NBOJGPME
&SHPOPNJDTBOEDPNGPSU
Ѽ -PXTFBU
4BGFUZ
Ѽ "MVNJOJVNIBOEQSPUFDUPST
Ѽ 4NBMMTQPJMFSTGPSBMVNJOJVNIBOE
QSPUFDUPST
Ѽ .9IBOEQSPUFDUPST
4UPSBHF
Ѽ 5BOLCBH
Ѽ 7BSJBCMFJOTFSUGPSUBOLCBH
Ѽ 3FBSCBH
Ѽ 5PQCPY
Ѽ 5PQCPYNPVOUJOH
Ѽ *OOFSCBHGPSUPQCPY
Ѽ -VHHBHFHSJE
%FTJHO
Ѽ "MVNJOJVNCBTIQMBUF
Ѽ &OHJOFQSPUFDUJPOCBS
Ѽ "MVNJOJVNGSBNFHVBSE
Ѽ "MVNJOJVNDIBJOHVBSE
Ѽ "MVNJOJVNCSBLFSFTFSWPJSDPWFS
Ѽ "MVNJOJVNTQSPDLFUDPWFS
4PVOE
Ѽ "LSBQPWJÍTQPSUTJMFODFS
Ѽ "LSBQPWJÍSBDJOHTJMFODFS
Ѽ 5JUBOJVNFYIBVTUNBOJGPMEGPS
TQPSUTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ 5JOUFETQPSUXJOETIJFME
Ѽ $MFBSTQPSUXJOETIJFME
4BGFUZ
Ѽ )BOEMFCBSQBEEJOH
Ѽ )BOEQSPUFDUPST
4UPSBHF
Ѽ 3FBSCBH
Ѽ -VHHBHFHSJE
%FTJHO
Ѽ "MVNJOJVNCBTIQMBUF
Ѽ 1MBTUJDCBTIQMBUF
Ѽ &OHJOFQSPUFDUJPOCBS
Ѽ "MVNJOJVNGSBNFHVBSE
Ѽ "MVNJOJVNDIBJOHVBSE
Ѽ "MVNJOJVNCSBLFSFTFSWPJSDPWFS
Ѽ "MVNJOJVNTQSPDLFUDPWFS
4PVOE
Ѽ "LSBQPWJÍTQPSUTJMFODFS
Ѽ "LSBQPWJÍSBDJOHTJMFODFS
Ѽ 5JUBOJVNFYIBVTUNBOJGPMEGPS
TQPSUTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ -PXTFBU
4BGFUZ
Ѽ %SPQQSPUFDUJPOQBET
Ѽ )BOEMFCBSQBEEJOH
Ѽ )BOEQSPUFDUPST
Ѽ 'PPUQFHQBET
Ѽ 1JMMJPOGPPUQFHT
Ѽ 1JMMJPOQBTTFOHFSHSBCIBOEMFT
4UPSBHF
Ѽ 3FBSCBH
Ѽ -VHHBHFHSJE
%FTJHO
Ѽ &OHJOFQSPUFDUJPOCBS
Ѽ "MVNJOJVNGSBNFHVBSE
Ѽ "MVNJOJVNDIBJOHVBSE
Ѽ "MVNJOJVNCSBLFSFTFSWPJSDPWFS
Ѽ "MVNJOJVNTQSPDLFUDPWFS
4PVOE
Ѽ "LSBQPWJÍTQPSUTJMFODFS
Ѽ "LSBQPWJÍSBDJOHTJMFODFS
Ѽ 5JUBOJVNFYIBVTUNBOJGPMEGPS
TQPSUTJMFODFS
&SHPOPNJDTBOEDPNGPSU
Ѽ -PXTFBU
4BGFUZ
Ѽ )BOEMFCBSQBEEJOH
Ѽ )BOEQSPUFDUPST
Ѽ 'PPUQFHQBET
Ѽ 1JMMJPOGPPUQFHT
Ѽ 1JMMJPOQBTTFOHFSHSBCIBOEMFT
Ѽ 1VTIIBOEMF
Ѽ )FBEMJHIUHVBSE
#.8.PUPSSBE
CNXNPUPSSBEDPN
NPUPSDZDMFFRVJQNFOU
5IF6MUJNBUF
3JEJOH.BDIJOF
CNXNPUPSSBEDPNNPUPSDZDMFFRVJQNFOU
4VCKFDUUPDIBOHFJOEFTJHOBOEFRVJQNFOU4VCKFDUUPFSSPSi#.8.PUPSSBE697#.VOJDI(FSNBOZ/PUUPCFSFQSPEVDFEXIPMMZPSJOQBSUXJUIPVUUIFXSJUUFOQFSNJTTJPOPG
#.8"(.VOJDI1SJOUFEPODIMPSJOFGSFFCMFBDIFEQBQFS1SJOUFEJO(FSNBOZ