7 


  

   ! S U L

 
!. '$)3!3!'% % )!36-. :'6 - !7!% 6. )-$!..!'% 3' )6#!. .'$3!% +6!7#%3 '- 33-* &* !%%-. 8!## 8.!3 63 8 8'%,3 )-'7! 3$ 3' %:'%
'%#:  %3- : $!#*  )-'$'3- !. % 3!. !% 3 $;!%* #.  7!. 33  '%33 8!3!% 5 :. '  '$)3!3!'% #. 8!3'63 :'6- )-$!..!'%* : .%!% !%
%!. 6#!.!% !$!3 -!.3- -.. 4( 45 8 8!##  6%# 3' -36-% %: %3-!.* * : #'.!% 3 : $!#* -!; 6##$%3 8!##  :'6- $!#. % !$. :'6 -%3 )-$!..!'%

#- # '%'% ( /* (* %3-%3. %3-!% 3 '$)3!3!'% :'6 - 33 :'6 8!3!% 5 :. -'$ 3 3 8 -!7 3 '- %%!. 6#!.!% 3 3' )6#!. :'6- %3-:
6%- 3  ' ( :-. $6.3 3 )-$!..!'% 7 - 3. -6#. % 33 :'6 8!## '##'8 8!%%-,. -.. 3!#.* (<*  8 '%33 :'6 !% 3!. $;!% '- 8.!3* '--: 8 8!## %'3
-'$ 3!- )-%3 '- 6-!% 3' %3- '% 3!- 3$* 0*  8!## ''. 3 8!%%-. 3 -%'$ 3' 3## :'6 :'6,-  8!%%- 63 :'6 '%,3 -)#:  # 3' -36-% 3. 3' 3 .%-* '6 %
#* 5* #. $" .6- 8 7 :'6- %3-!. -'$ ## ' 3 '--3 %.8-. 8 -!7* 8!3!%  $'%3 8 $: 7 3' '- 3 )-!; % '63 3 8!%%-,. -.3 %$ % '6%3:
: ((*&)$ '% 4(.3 - 5<(&*  %,3 !%#6 /*
% %3-: )- '6.'#* ' 6#" %3-!. 3'  -6%%- 6)* '% 3 '$)3!3!'% !. '7- : .%!% 
%3-!. 8! --!7 3- 3!. 3 % 8 %,3 )-$!33 '- %3-!. $ : '3- )')# '% '6- 3!#.  8!## 6. :'6- %$ -.. .3$) -.. %7#') 3' '$)3!3!'%
)3 -.)'%.!!#!3: ! :'6- %3-: !. #'.3* 4* '6 :'6- #*  8!## !.+6#!: ## %3-!. 8! % %: '3- 3!#. 33 :'6 !7 6. 3' -6% 6#. !%-3 '-# ;!% 4( 45
#-
% %3- ! :'6 #!7 !% %#% #. '3#% -" 3!. -6#* *  :'6 8!% :'6 8!## -!7 3!. '$)3!3!'%*  :'6 8!% 8 8!## ).. 3$ # '%'% ( /* $$- 3' 3## 6.
'-3-% -#% '- 3 %%# .#%. 6%#.. 3 )-!; .-!*  8'%,3 .8) 3 )-!; 3' 3 )-.'% 8',. )-'7!!% 3 )-!; .' 33 8! $;!% !..6 %6$- % '$)3!3!'%
.'$'% 8' #!7. !% :'6- '6. 8'-". '- '- .*  3-,. 7-  -.'% 8: 8 %,3 3: % )'.3 !3 3' :'6 % 8 $: 6. :'6- :'6, #!" 3' "%'8 '63* '6 % - '6- )-!
%%!. 6#!.!% 3* * : .%!% !% :'6- !7 :'6 93#: 3 .$ )-!; 8,## !7 :'6 -.3 %$ % '6%3: !% 3 $;!% '- '% '6- 7: )'#!: 3 33)11888*%%!.*'*6"1)-!7:
 -9,,   
7+( :25/'ǡ6 %(676(//,1* 0,1(&5$)7 0$*$=,1(


  

%,*



 

 

ǡ6

1(:
 5,> ;/05.:
0,1(&5$)7 )($785(6 :<9=0=05.
;/, ,5+
-69 @6< ;6 ;9@

(4(A05.
=,/0*3,: 
 

   

   
 
 &,1 
20,
M

M
7

KH
0LQHFUDI

1(: )($785(6
ELJ
W I
Q
H
H
D W XU H V

 ($5/<"

%($7 7+( (1'




 $0 $ =, 1 * 6
9(+, &/( % 8,/ '
&DQ \RX EH
WWHU RXU WRS
"
 







 0,1(&5$)7
&+$//(1*(6









7HUPV DQG
FRQGLWLRQV DSSO\
)XOO GHWDLOV RQ WKH
EDFN FRYHU   
0,1(&5$)7/(*2


 



 

0$,1 83'$7(6
  &$ " $ $  $ (
$)  ! $

 " '
 !" !&  " "
$ ( "&!"$! 
 


$$ '"

 $ $$"
 "$!) $ !" !" !!)
!""("  ' % $ $" :DWFK RXW IRU

&$ $! "  &" $   WKH SLOODJHUV
( $&!" 



(
"("  &"  $" 
)  ! !& )&)

(  $) !  ) !
&"&) ""'
  ! $ !$
) "

 "  '  $
'!& )&   $  ! 3DQGDV DUH
"  $)   !$  QHZ WR WKH JDPH
 ! '! &  " &$!


 
   )  $$
 $  '
  '" ( ( 
$! $ $ '!" $$ $ $
$! (  "$ &!" ! !&!!"

"!" ! &$!"

!$!) $"
! !$!!"
$ $" !
$!"
"$ $" ! $"$"

 "$&$$!" ! ""

)
"$  $   ' 
$) !" $  ' $$!


 

   



1(: ,7(06
# # &# * *#$

  $
'  #*$ 
 $
$! &  
   &
'
+!    
 # &
&
  + & & &# &
  +#$  
$ #  $
  #$ *#)# 
$ 

+ & &#!  +    


  #$  #$&
$ 
 
 # & & *& +!


 
 $ # & # 7KHUH DUH QHZ WH[WXUHV

   # 
# &
RQ DOPRVW HYHU\WKLQJ
$' $ 
   # &$
#'$
  &&# #
#!
  # * * 
& & +'   # & # $&# #
&$ $&$  &#*# $!
+  ) # #  & 
# 
*$
'& &  # &RUQƭRZHU EOXH
&     #! '   '$
& & $& ##*$ # #*#
#&$ +  ) &# *
 &&$ $$ & *&
& &!
 # * ) 
 
'

#*
   *& *#
#)'$+ &# *# &$ & &
$'
$&&'& # &!
  $ *
&+   & &  
 '
 $*#$  *  '$
$ $& &'$ &$ *  &!
&"$ # & & $  * + $
'$# $&* # '$#

#* '$# 
*
'&
*& & &  &+  *#!
 #& *#$  
  &
) $& &'$ &$  # &
'
$&
$$ # $$& 
 #

3LOODJHUV FDUU\
$QG \RX FDQ WRR FURVVERZV


 1(: %/2&.6


 $   - (/  (&

 *  * $ $(/ $
$
 $  ## / $ *
(
 $ ( $  
($ $#
( $*#
  *( #-$ 

( # (   
$ %DPERR FDQ EH IRXQG
 $ (  #- $( / * (  LQ ODUJH FOXPSV
 (  )% 
$

 
   /*
*
/
# (  ( ##/ $(#*
(*#
 /* -( ( * *-#$ (


#(  *(    
$(#  *
/ .(  
*-#$ / $. 
$ *(
$$ ( ((  
$
 # $ ( - (

  #   - (/ %DUUHOV DUH DOO QHZ
 $(# (( 
( $# (

 $($ #( - *( - "
   /  ( 
( $ - ( /
 
 /"#
*## (/   #( 
$ #(  (  - $

(( $(#*
(*# 

    #(  ,
 ( ($  /


#  ( 
$  /
#
(
*## (/ ( / "(
 /( *( /*
 (
( /" , $ (  
  #$ ( /" $*
( ,   # -#
, #$ $( ((
$!
 


#(  # $(
$  $
 $  /
 # ,

( ($ # ( $ 
# (*# # . # 
 # #
( $ /
  ( 

 ((
  ( (
$  
$

  #   -
/DQWHUQV FDQ KDQJ ( $*#
 -


RQ RWKHU EORFNV
#(  / $*##*
 (#
 -( ( #
* ($  /"# $(/ #
- #* (  (#
 
 
 
(  
$ # $ ( (   ( ( 

 

   



   ! "%" %%

!   %     
* '% , !" % ! 
%
% %" % % " % 
 , !   !%   "
 !! "  '%  % '
%
% % %  *!%
 
% ! *" !,
!"   &.&  %
  %  "% 
 %'! " % ) !  %  




!% 
*% "%!  "
 ,
 '"  % ,

'!  %% !" %

 !"  '
%%,
%% " )  ! % $ OHFWHUQ IRU ERRNV

!% %  !
 !" ) " 
) !'  % *


"" % ! %% !"

 % '"  * !

"  ,
* 
!%  $ ORRP VWRQHFXWWHU DQG
"%! %% ! FDUWRJUDSK\ WDEOH
 ,   !% 
"  ! " '" "

  *
   "+
'!"
 *  % *!%  % 


  % ,  % "%! #
,
'!" , '" % % !% '"
'%%  %  %,
,  !%


, 
 
  

! * )    )   !
)! %,  
 %, "
"% , %,
 "%
 * %'!  % " "
 "%!" 
' "%   "% 
"   "%  !%  " 
!%  !%  "  !%  "",
"% !
 "",
  "%  "%
""%  "% !  ""% 
"% '!%- !   % ! !
  
"% !
  *  *"
 *
'% '%  !
  "%  !% 
!%  !"!  "% !
 "",
"% !
 ""%  !  ""% 
 % ! !
 !   % ! !
  
"% !
 % "  %   * 
"


 *$0(
&+$1*(6

& ,(
. )
( & -&(
(& 
+  (,
 (
%
% ( &( (%&(
  
 
 , 
)  +
 (& 
 %UHZLQJ VWDQGV DSSHDU
( ) %   LQ FKXUFKHV
( +%,%
   
 
 
%
(  +
%)& )%& .
&)%%)
  . ,(
&  ,( 
%( (


&& 
& 

&  
 
( &
 ,
.  &)%%) .
,( )&(
 
&& 
&
&(%. 
  
 ,

&

  % ) ( %UHDN WKHVH OHDYHV
(, &(&
IRU VWLFNV
  
  )&
( &
% &  .) 



%  &
%& & 
( "&&# ( ,(

%&( 
%
    %

, &( ,(
%%,&
 % % 
 
 
& 


 (  %
, )&
(% %
,
 &(

  , %!)% ( &
 (. 
, ( )
 -&( && 
+
 %
 "
 &&# ( 
(
(%  ( +
%
(&  


   
 

  
  %
( . &(
( &  (& (& (
&
&
%
& , 
 &(
&( &
& 
)& (. 
( (
(-()%  &( &(
  
   + 
.$% (
((
 (


 

 
+ 

 

 . 
&

+  & % -


()& % & , )&( %
) 
  % %
% (&

%
( %  .) 
+ (
)&

+ %   

. ( 
  

4XLFN FOLPE     %& 
+
WKRVH YLQHV  
 & (.  %
%!)%
& &
  )&(

 ( &&
%. (& 

 ( %
( (
 

   



02%
83'$7(6

 !1 "* )!(, , "!3
,! ," , 2 , ".,

) ) *"  !* ,"
" 0".),* ,""&

 !  0
! *#, !," *#),
"*& ,* *#1! *,)3 !
0* ! ! 1,  .,*
! !  , &
3
0 , *!* ! * )
13 #!," * ! 1
&DWV DUH VHSDUDWH
*# "! ,) "1!)(*
&  3". *# 1,  PREV QRZ
, "! 3".)  , 1
0 3".  )!" ,
1! 3". 1 .# ",*
! !" "!)  ,  .,
1 *, ,).*, , #3)  
* "! ") "&
1(:
! ,"! 0) ,)!
#,,)!* 0 ! *,3
,) )#)* ! !"1
)"# .* * *   3
(1&+$1

) ) , *, ,)
 *,)3 ! 0! ,")* !    $!" #.! !,
) "1! "")*&  * 
, "! &
 
 ! )** , )" *# 1,
,) 0*   .,,! 4&- * "!* " ,
)" , &
7KH FURVVERZ KDV 
 * ))"1* *"", ,)".
WKUHH HQFKDQWPHQWV "* !.)!   "! ,3 ,&
) )
.# ," ".) 0*&

$1' 7+(5(ǡ6
025( 72 &20(
,.)* #)" * ., * 3, *,
.!0 ! .
Q 1 *!* ") 0)* *
"! ,) "  "  ,3#&
Q )"1! ""*)"" *
Q
*#  ,3# " , ")
),! )1")*&
Q ))3 .** !
 " *
! , ))3 , ,, ,3
! "!,!&
Q "2* *#1!! !

" * $#)"3 !"!
"*, ., 1" ! *3'%
Q  #) " * $"0
"0) "),!,%
7DLJD ELRPHV ZLOO "!(, 1"))3  1( 0
VRRQ EH OLYHOLHU
, * ""# ") 3". "!  "
,* ! .,.) **.*&


  
 


 U
W



O O
W
W

:$51,1*
63 013  80'#' ,  9)6 )%%)8 3!1
13+1 9)6 )6% +0&''3%9 )006+3 '9

#'03 8)0%1 9)6 %), )6 1!)6%

 '30  8)0% 61#'  1'+1!)3
701#)' ) 3! & 6'%11 9)6/0 6HH LF\ YLOODJHV E\
+0+0 3) %)1 #3 )070
3 3! 709 SOD\LQJ WKH ODWHVW
%13

 $ 6+ 9)60 8)0% )0
VQDSVKRW
9)6 '30 #3 #'  +0"0%1 6#% )

#'03, )'/3 19 8 #'/3 80' 9)6,

+2: 72 (1$%/(
61$36+276
)3 3!3 3!#1 8)0$1 )0 3! 7 #3#)' 0RGLI\ Ɛ/DXQFK
)'%9, ) )3!0 701#)' ' 06' 1'+1!)31 RSWLRQVƑ
#013 )+' 3!
#'03 %6'!0 '
%#$ )' 3! - 6'! )+3#)'1. 633)' 3
3! 3)+,
' 3!0 9)6 ' 360' )'  '6&0
) #0'3 133#' 1 63 3! )' 9)6
' 3) !'  #1 -'% 1'+1!)31.,
-#13)0#% 701#)'1. %%)81 9)6 3) 11
)% 701#)'1 )
#'03 ' -
7'
133#' 1. %%)81 9)6 3) &)#9 3! 7
#3#)'  9)6 )'/3 ' 3) #3 #3!0 )
3!)1 3) ) 3!#1, &OLFN Ɛ(QDEOH
)8 %#$ -
 8., !#1 8#%% 03 VQDSVKRWVƑ
 '8
#'03 0)%, 8 +0)%1
' 13#%% 11 %% 9)60 )% 8)0%1 
3! )'%9 #0' #1 3! 701#)' )

#'03 9)6/%%  06''#' ,

9 6%3 +0)%1 11 3! %313
0%1 )
#'03,
3 3! 3#& )
80#3#'  3!3/1 701#)' *,*4,5,  9)6 
 '8 +0)% 3!)6 ! 9)6 ' 06' 3!
%313 1'+1!)3  #' 3!#1 1 *8(,

   
  

 


6HOHFW WKH ODWHVW

VQDSVKRW
7KHQ FKRRVH LW
IURP WKH ODXQFKHU

!  $#/$ / ) 3-* / #

/# ! / ,,$3 $# / ,/ $ /
)
!5* 0//$# / / $//$"( $0+!! -
 #3 %,$! - # ( !/
/ )/-/ -#%-$/* 2,-$# #
%,-- )
!5*(

/ /- %$#/ / 3!! 2 /$ $3#!$
/ !/-/ 2,-$#( / -$0!#+/ / 
!$# # / " !$- 5$0
# - / -#%-$/ 2,-$# # /
$//$" !/ $ / //! -,#(
# 5$0 /,5 /$ #/, $#
$ 5$0, 3$,!- 5$0+!! - //
/$- %!5 #  )-* /$#
$ #,/ 2 /, 2,-$#
#0", # /!- # /$-
%!5 # # )0#-* /$#
2 /, 2,-$# #0", # ,(
,5# /$ !$  #3 "% # #
$! 2,-$# 3!! !"$-/ #/!5 +HHG WKLV ZDUQLQJ
, / -$ $#+/ $ /  / ,
#0",- -$0! /!! 5$0 /+- 
 
$# # $! "% #  #3
2,-$# - -$"/"- #,$0- &3
,, 5$0 /$ / 3,## / / -/,/ $
/- ,/!' 
 5$0 $ / # /$
,/   0% ,-/( #/!5 $ /
3, /$0   5$0 $#+/ " 
  0% # 0-/ $%# # $! 3$,!
#  #3 2,-$# $ / " / 3!! 
$#2,/ /$ $#/# / #3 /0,-
# 5$0 3$#+/  ! /$ ,$%# / # #
" #  3$,! 0-/ /$ 4%!$, #3
/0,- -$ 5$0 $#+/ ,- !$-# 5$0,
,0!/ -/0
! , /$ /,5 /- $0/ # 4%!$, !!
/ $$! #3 /#- 0/ 3, 3 $#+/
$!, 2,-$#( - - 35 3 ,$""# /  ,-%$#-!/5 $, #5 !$-/ /


  
W
R W R W
W

75$9(//,1*
$5281' 7+( (1'

'(- '' $ ( '  %
,'$- ('" (% ' %%
$ %! % $ !$' - ( * ' (QG JDWHZD\V OHW
'! $' '+ '  '' % \RX WHOHSRUW JUHDW
- (  ' %  $ !$%" (- GLVWDQFHV
'$ $ 
 $ $ ("
 '#% ! %%  ' ( $%
'+ %% '% %  ,'$- % +
!$ %%   ''#% *$- $ (%
+ - (#$ %($$ ( -  %'
$
$ + !$% % ' -
$%   +- ' ' '+ %%
' $%'"

 
!$ - ( '$ + + *
'  '   '+-"
% !!$%
+ - ( ' ' $  
'$%! $'% - ( $  ' #%
8VH HQGHU SHDUOV WR
'$ % ' '% ('$ %%"

 '#% '- ! %% 
KRS EHWZHHQ LVODQGV
' (  $ (' '#% %
,'$- (' $ (% 
+ ( '  (  ('  '
'$  - (#$   ' '  !$
 -'$ + + ' - ( 
'+ ' %%  '  %
  % - (  '     (
(  $  - (#* $ ('
$+ $% ' !$ ! - (
 %%
 '   '   $ %!
 + % ' *  '' % - (
%''-  - (  ' ' % +
- $ ( '$-  ' ' %(
- ($ 

  
  

0DNH D PDS
LQ WKH (QG

1$9,*$7,1*
7+( (1'
,)+   + +(
  !)) )  ,)
)LQGLQJ \RXU ZD\
/ +(. 
+   + / )! DURXQG LV WRXJK
( 1 /+ 
+    / (
/( + 0+ ! (+ )$
(')  1 ( +
1 +( )  ) 
+ )$
  + 1 , 

  +  ) 
!)  1 , ) , 
+) ) , ) ! )) +
 ),( 1 ,  '+  )
1 ,( ()$ !) / (
0+1 + ) )  +
.(/ (  / . 1 ,
 ( ,   /( 1 ,
(  (+  + +  +/1 ++
/  / 1 , + +! (+  $
+') ! )) +  (() + 1 ,(
! /+ () ) ++ 1 ,  )
  ) 
,), !)  ,)+ !  ( 
+ ,)  !  +$
+( 1 , .  ! (  + 
((  + + + 1 ,() +  )+$
1  / !, (()  + ()
( !)  ) + ++ / )+
,+ )+ + )! ( !  +

') )!$ + /1  1 , .( +
)+, /+ ,+  ! 1 ,  ,)+   / +
+ ()  + /1 1 , $
/) +  ! + . )) 
! +()  ( 1 ,()$
+ )!   (( / / + 1 , /
/1 1 , /+ " (  ( #  ))
+   + + 1 ,  (  !+
( () ), ) % (  + (
)& ( %  / +  (,) +()&$
( +(')  ( +  /1 +
 1 ,( /1 ( ,
 $Q (QG FLW\

:+$7 72
:$7&+
287 )25
  
 '% $
% ''$ $  +
$( ' *$
 +(   * 
( %' % 
'  *'('
  +!
 +( 
%)$ 
+(# % (
'*$% 
*' %($%
 * * +%
'
$' $%!
$  
' ' 
&KRUXV SODQWV DND
$
(' '
$ % FKRUXV WUHHV JURZ
! ' +( HYHU\ZKHUH
*( #'

$  +(
 #'  $
 

 
% %'$  '  ($  '% +  

$*   '   %'! (+ $*  %%  '  $  '+ * * +%!
 '%  ) $(% *$%  '  % %% $ + %$

 (%
 '$
$ % *  
 (% ' '+ ' 
$* "(' %'%
$* $ '$%  $ $(% $('     ' $ 
*   '
*
$
+ '  +$!
$(% $(' $ 
 +'$  * *% +( '  
 
   ($   $ '    $ ' )$+  '+  %  
' ($($ $  ' $ %   ' % ''  ' '
(' +( %( #'  )

%'! + % '$' +( %$' '  ' $ '  '* $ '$ ' 
%'  % '   $ ' '  '  '  ' ' %!  ' (' $ '  %'
% ' '   '$*% +( ( ' % '#% $ $ $   ' ' +(
(' ' ' ) ! *#'  +*$ %  '  



  
  

(QGHUPHQ DUH DOO

RYHU WKH (QG

(1' 02%6

  &
/*&0  
*   , 0  6KXONHUV DSSHDU
& '  *# 0 ' DOO RYHU FLWLHV
' .  ' & ,*'

* * -&.&
 * *&  
* * 0 
*
 *,& 0  &   *&
''# 0%& *
0 
* *   -

'  & ,&

0
. *& !,  & "# 0
& - / & 
1  &  &' .  #
0  %*
 ,&* ,'
&&.' ' *0 * &* . 0

,* *0 & *  .-'

 0  0& . &
 &- ,  ' *#

 
'*'  & .

-   *' .& *0
0, * &* ,'   &  &  ',' *'-' ' ,& ,&
'#
&,0   -&0 +1 ,''   ' 0  - +1 &,& *' . ' 
 & $,* *  *  .&  . * &* , * (
' . 0 
* &* ' *   . 0 * * **  # 0   &   ,  
&,  0 &  *'
,* *&
,* .%* **  *  0&#  ',&
/ & .  #  & ' . & - / &  1 ',&
* &*    &*'# 0%& $,* ''# . ''  
 & * .*
.  ' ,   '*&' .* '.& '* * ',&
/ .    &&0
',
 , *  #
%* . '* *' ' *  -*&0 '  

*' & *& ',
 *'  0 0 ,&# & ** ' * *
* ' *0 %* & 0*  # -* * * ' *   &


  
 

 
1(: '/&
$''(' )25
725< 1,17(1'2 ' 6
)7 6
0,1(&5$,6 12: -(* 0*5 - * ") "3!)* " -

02'1((7)/,; !-!" .
2)*"! " !) -
3- !3* - - " !  * ) *

21
0! " !3 "3!"  
"!-!- ") -
2   ! - .

"$ )- !"3 *
- 0!
4-0)   " !  ) -)  
"3) !)*
!     
 3") " !) - "!-!0* -" 4$ ! !  -)!
!   ! ")'
-)(* !"3 2)*"! " -    3 *")- " ! *" "!)  - - -(*
"  2   2 - -4 *-) ! *)2' "! "0-  *-! 0* ! - .

 *"! # " !) -
-")5 " !*$) 2)*"! " -  '   *0) 5"0
5 - 2"  *)* " - *  !  * - 5"0) "$5 0$ -"  -
2   -" "!-)" !"3'
- - -  "
*"!  !(- 5- !  "2)
3-) -"  $-
 *"! / !-" -
2)*"! * 3'
!")-0! -5 - ! " - )"  "
! ") !) -
-")5 "' - 
 * - " $ !5 - -  - 3
 !)0$- *"
 *"! / %3   -
! ! !  ) /6#+& * 5 -"
-  *- 2) * *"! " -  '


   



7$.,1* $ /($)
,6 )2571,7((&5$)7ǡ6 %22."
287 2) 0,1
" $.! 2.
!*. "* . .. "
. "+. $"$/* 1"  *"/! .
. " !. + " "/*+ "*.!.'
!
+ $*. " ..  )+ +"! , /$.
2 !  !  * .)+
 .+ "2! *.1 "'
+ + ! +! + *.4 !/!
4
!*. + . "2+ $"$ ."
3$* !. 2. /! 2."/. .
2"**4 " ! +. ." $+  .
. ' + . + ""(  .*)+  ". ++
." " ! . +"
!*. +. + . 
2 .!

)5((
,163,5$7,21

. . ! " +. 4*
"!
!.*"/  * 3.* "* !+

0,1(&5$)7 +$6 $
"
!*.   *! !2 +!
2"* "* 4"/ ."  ." .  
. 2+ "*!4 !!"/! .

1(: /$81&+(5
!"! ! . !2 2"* +
 !+$*."! +!'  
+ .. .)+   ".! . 
$* 2"* ." 3$"* 2 +"
"* !4 4*+ . +.!* /!! +*! " + 2. .+ * +* " +$
"*
!*. +!). *4 !' .)+  !+ ! ! ""+
+ $ !/ .. 2)*   * 2.' /. "/ ! . " " !+$*."!
!+ * "". .
!*. /!"!+ +! +"/.4 * " *
**1! .* .+ 4*
"! + ! 4 ! "1* ."
!*.
""! .  /!* .. "2+  /./*
*.$' $$4 3$"*!

!*.  + ."  .* .".* !
. +  $'
+ +/ .)+ +.*. .*! 
!2 /!* !'
.)+ 1 . . .  " 2*.! + 
. 1*+"! ." "2 ."+ /+! . 1
."! "
!*. ." .+. . "/. *+. %4"/
! ! "/* "* "/. ..! *4 ++
."
!*.)+ .+. ./*+ ! . *.
"1* "! $ #5&'  $! + ." *" . "/. +"
1*4"4 ! /+ . .* .+ 4*'


 0,1 (& 5$ )7 : $ 6  ǡ6
026 7 32 38 /$5 ,3 $' * $0 (
-6  $8# 483/3&4 6$&4 86 6$ 4844 -
&+36 -+6&+84 ;&6$ +;4 - +-6$3
8*/3 =3 -3 6$ & :34&-+ - 6$ #*0

-3&+# 6-
//)24 -!&) )&46 - 6$ *-46
/-/8)3 //4 -3 6$ & - 7>. &+36
;4 6$ 6-/ 4))&+# /& -3 #* - 6$ =3
-+ 6$ /)6-3* '846 6&+# 6&6)4 48$ 4
-*63= 4$ + $ *  &0
+ 6$ &$-+ 6-- &+36 ;4  *44&:
$&6 #&+ -*&+# &+ 4-+ /) $&+
4 /0
&6$ *-3 6834 /)++ -:3 6$ -*&+#
.7 *-+6$4 -+26  483/3&4 6- 4 &+36
6$6 3 8/ 6$ $364 #&+ ;$+ 7>.,24 )&46 -
6-/ 4))34 &4 /8)&4$

7 ,21 (',7
('8&$6 1(: &2'(,21
$'' ,/'(5
%8
-* 4$--)4 3 38++&+# &+36 86&-+
&6&-+ + & =-834 &4+26 &6 *&#$6  6&* 6- $:
 ;-3 ;&6$ =-83 6$3 $ 4/&) :34&-+ -
6$ #* &4 4&#+ -3 )44-+4 + &624 3&:
 +; 8/6 6$624   - 8&)3 8+6&-+
6- &60
$&4 4 6$ +* 48##464 *+4 6$6 =-8
+ &6 - &36)= &+ &+36 ))-;&+# =-8
6- )3+ *-3 /3-#3**&+# 4(&))40 -'+# $4

$118$/ 2))(5
)4-   ;-3) )&33= 4- =-8 + -;+)-
34 6- </)-3 4 /36 - 6$ 86&-+ &6&-+0
$624 44&) :& 6$ &33= 8+6&-+ -+ 6$
*&+ *+80
-8 + "+ -86 *-3 6  
 


 &+))= &+ 6$&4 8*/3 +;4
3-8+%8/  43&-84)= '846 $-;
*8$ +;4 $4 6$3 + 6-
"6 &+ 6$&4 &4481  & =-82: #-6
 )&66) &6 - )6-:3 $3&46*4
*-+= 6$+ (/ + = -86 -3
6$  
 

  


  6$6 6$  

 6* /86 6-#6$3 624
)&()= 6-  -+ 4/&) - 3 =
6$ 6&* =-8 3 6$&4 + 46
6-  
+83= 4)4 3#&+
//= 4$-//&+#




       


    8VH FRQFUHWH IRU
FRORXUIXO EXLOGV

  #    )    #
)   # # # )# )# 
) (    #    # ) 
 #   #  +)   #  
 # + )+ #  # #   # #
# +&  +  &  #  #& #   #
 #   # )  +&   # )  #   # + * # )# )# 
  #
 (   +   #  (
  # )  +& ( #    
        # #  
   (   #)     #     
 
   +  # # 
  # )    #  #+  
 )  # #      # )#  (  &# # )  #   
)   # & #  #  )# # +& &  #+  )
        # )   ,!
        ( 
   #  ,  
&RQFUHWH SRZGHU DQG
  #     )    
FRQFUHWH EORFNV
)#   *   +    #+ 
   &   #+ 
 + #  #     $
 )#  )   *  ,%
 )#     * 

  #    #+  
# #  &# #  #   #   #
)   +&    &  # )
&   &#    # 



   


&RQFUHWH LV OHVV
WH[WXUHG WKDQ SRZGHU



      %  % - )$ ))%  , 
)  $) -$  / $*
$) % $ $/ *%* $ $ )! - )$' ,  )$ %*$ %  
 )% %  $ )#% $)/ *$ ,$) -$ ) $) %!
*)  )/ *).)*$   /* $ $ & *$%  $) 
  *% ) ) $ ) . $)  )$ ))     ) ) $) )/ %
*$* *% .)$/  %/!  / /*   $ )!  %  % )$*
 - - - % $,*%/ ) %)  $) -$!   ) %) %
 $ %* *% $) -#) *$ -) $   )  ) * /-
 %) ) )#% % %% $   *   $/ ) $/ /  *$ 
-  #)  $ ) ) /) %! * $- $ $   !
$)   %  *% % $)  $) % $ ,    )
 %%  )$ % ) % ) )% *"*  , )
$') ) 
)/ )   %) ) - ) % )  / % )!
) ) -) - )$!
 $) -$   $) -$   %%
% ) / $ ,)/  $) %#) )$* $* - )$ -)*) 
/*   $ $) -$ ) - )$ )*$ ) $)  *)  )
 ) - $ %  )$  ) - )$ $ ) $) % %) ) - 
)  /$! %) )/ )$ %$!
$) -$ % ) -%) 
)  ) / $ ,)/  -)
%  $ , $ 
6ROLG FRORXUV PDNH FRQFUHWH %  ) ,!
JRRG IRU GHFRUDWLRQ



  

 
UH ZHƍUH ORRNLQJ DW DOO WKH WLSV WULFNV DQG VHFUHWV RI 0LQHFUDIWƍV
V PRQWK WKH OLIHVDYLQJ QDYLJDWLRQ WRRO WKDW LV \RXU FRPSDVV

+2: 72 86( $  ## #
  %%" "  # '#%


&203$66
         ## * ,# %#
+ # % "#'"
  %
'%  " % % !#  %"
#  #* "
 
# %  *  "  # *  * # % * , %   
%* " " * ,'
  ,' "#%  !#   %
#% "% %   %#
, # % !# % +ROG D FRPSDVV LQ

' ,'"
#    %  HLWKHU KDQG Ƌ RU ERWK
 ##%    %
,'" * ,
 %

&5$)7,1* $
&203$66
'% '%

 ###  
  "
 ",  %    ,'" * ,
## ", " %%"
"'  '%  
% " 
,'  ) % %  # +" '%
"#% *  # &2//(&7,1* $
 % #  ) ,'! 
 " %  ##
&203$66
% !# ##

% *
 + " %# #)"    % %  ##
 + "#% '#% %' %,# *% % )"* 

, , 
"!% " "
#
" +  

 ' 
#%#  # %"
#%" *"
 ) %
"
%,   # 
 )   

#%# "%"
'   #

" "  )  %"
%
',   
%,!"  ##
%"    " &
-& " #%
#

 
  


(66(17,$/ 67$76
 ! %%%  , ( *$ (/
% / *   ! *%   %(
 $,$  / * " /   
%($ / / $   ,  /
($ ( *( *%% / *  ($#%
 (  ( / *    (  % 
 ! %%%   %  *% 
$ (" $ (  !(/   ( $
 ! / %*$$ *   ! %%
-( ( ! !$   (
$  (   / *  ,
   ( $  ! / *   $ (
  ( $  ! / $ ( ( -(
 ! %%"  *   %  (%
/   (  ! -(
 ! %%   , /LEUDULDQV VHOO
QG FORFNV

6(&5(76
&203$66 %  #( - $  
 ! %%  (/ %!/ %! $ ($
(  $
* 
( ($  / *#$   ( - (($
$  /"    %*$ / * 
%  / *$ - / $ * $((/  %/
- / (   $%(  $ !   /
 $   / *     % !$

( (   ! %%% (  $( $$ ) ($ "
/ % $  $  %  ! %%
, $%  ! / $ %
 "
 *  ( .! $$  ! ( $ (
( */  ( (   -$  (
 / * - (% (  / *   *%
 ! % % !      -( (
 
% ( - $  % ! -  (%"
&   $ $  ($ % / *
    

%!$ (   /
 / *#$   ! %%#% $( 
( (
   $% *$%  $ 
!  (   ( $ , ( *(  (
$  (! %% $  ( *(!   (
$  (  * ( -  ! (
 ! %% /( 
$( $

&RPSDVVHV DOZD\V SRLQW

WR WKH ZRUOG VSDZQ SRLQW &RPSDVVHV GRQƎW ZRUN
LQ WKH 1HWKHU

      +H\ &KDUOLH /HWǾV KRSH ZH FDQ KHOS
\RX JX\V RXW 2Q ZLWK WKH TXHVWLRQV
6WURQJKROGV FDQ
LQWHUVHFW ZLWK FDYHV
 7KDWǾV D JRRG VWDUW \HS ,I WKH\
VHHP KDUG WR IROORZ RQH WLS LV WR
WKURZ WKHP GLUHFWO\ XSZDUGV 7KLV
PDNHV LW D OLWWOH HDVLHU WR VHH ZKDW
GLUHFWLRQ WKH\ǾUH JRLQJ LQ <RX FRXOG
DOVR VFDOH WKH WUHHV DQG WKURZ WKHP
IURP KLJKHU XS EHFDXVH WKDW PDNHV LW
PRUH RSHQ
6DGO\ WKHUHǾV QR RWKHU ZD\ WR ȽQG
VWURQJKROGV ,I \RXǾUH UHDOO\ OXFN\
 #
$ $
,& \RXǾOO VWXPEOH RQ RQH ZKLOH H[SORULQJ
  * + )$&$ & &  D FDYH V\VWHP DQG LI \RXǾUH SOD\LQJ
,    , #&# + & WKH %HGURFN (GLWLRQ LWǾV ZRUWK GLJJLQJ
& + EHORZ YLOODJH ZHOOV EHFDXVH WKH\ǾUH
  & $ & $& + , &  RIWHQ WKHUH EXW ZLWKRXW WKH H\H RI
$&#  )#** ! "* HQGHU LWǾV PRVWO\ OXFN
&# &#+ ,$  # )&  7KH EHVW ZD\ LV WR NHHS VHDUFKLQJ
&,"# *#, )& & + :DUP ELRPHV DUH QRUPDOO\ QH[W WR ZDUP
+ &# # &$  &#$ ELRPHV VR ZKHQ \RXǾUH VHDUFKLQJ WU\
)  &#,  $#&! WR IROORZ WKH RQH ZLWK
(  &"$ & $& + , &  WKH KLJKHU WHPSHUDWXUH
$   )#**  ! 7KDWǾV WKH RQO\ DGYLFH ZH 0HVDV DUH UDUH VR
IROORZ WKH KHDW
'   &#, &  $#*#  FDQ JLYH
, )&#   "&  & &  ,WǾV KDUG WR VD\ IRU
$#*#   ,  +$ - VXUH EXW PD\EH ORRN DW
# & "* & &  \RXU URXWHU VHWWLQJV DQG
#$$ ##& )& # $ HQVXUH SRUW IRUZDUGLQJ
# $ " &  &   LV HQDEOHG

  ,) # ,)#  7KDQNV JX\V +RSH WKDW

 # ZDV KHOSIXO


 



+H\ $YD *UHDW WR KHDU \RX

ORYH SOD\LQJ 0LQHFUDIW DQG
WKDW \RXU GDG LV KHOSLQJ \RX
HPDLO XV
7KH ȽUVW SDUW RI \RXU
TXHVWLRQ LV HDV\ 7R EXLOG
D 1HWKHU SRUWDO \RX KDYH
$ VLPSOH 1HWKHU SRUWDO WR FUHDWH D IUDPH RXW RI
REVLGLDQ EORFNV ǹ LW VKRXOG
EH DW OHDVW IRXU ZLGH E\
ȽYH KLJK VR \RX QHHG 
EORFNV 7KHQ XVLQJ D ȾLQW DQG VWHHO VWDUW
D ȽUH LQVLGH WKH IUDPH 7KDW ZLOO ȁLJQLWHȂ LW
 $
% %
+' DQG RSHQ D SRUWDO WR WKH 1HWKHU
 +   %
) $ , (QG SRUWDOV KRZHYHU FDQǾW EH EXLOW
#     )  + QRUPDOO\ ǹ \RX QHHG WR ȽQG D VWURQJKROG
$ ' # % ' *' + E\ WKURZLQJ DQG IROORZLQJ H\HV RI HQGHU
 + % #% % '% ' DQG WKHQ ORFDWH WKH SRUWDO IUDPH URRP
+( $  <RX FDQ DFWLYDWH WKH SRUWDO E\ SXWWLQJ
+ !(%' % *  +(  H\HV RI HQGHU LQ WKH SRUWDO EORFNV
( '$ $'    7KLV LV DQ H[WUHPHO\ GLȿFXOW SURFHVV
 $' " VR GRQǾW EH GLVFRXUDJHG LI LW WDNHV D

%  +( * '  ' ORQJ WLPH
*      % )LQDOO\ ZHǾUH DIUDLG ZH GRQǾW KDYH DQ
 ('" H[DFW GDWH IRU WKH 9LOODJH DQG 3LOODJH

  +( UHOHDVH ǹ LW UHDOO\ GHSHQGV RQ WKH

) 0LQHFUDIW GHYHORSHUV 6RPHWLPH LQ WKH
ȽUVW IHZ PRQWKV RI  VHHPV OLNHO\

<RX KDYH WR ƬQG

DQ (QG SRUWDO


 +L &KULV 7KHUH DUH D
IHZ ZD\V WR ȽQG RFHDQ
/RRN IRU WKH VHD ODQWHUQV PRQXPHQWV WKRXJK QRQH RI
WKHP DUH 7+$7 HDV\ȇ
7KH VLPSOHVW ZD\ WR ȽQG RQH
LV WR VHDUFK ODUJH RFHDQV LQ
D ERDW 5HPHPEHU WR FUDIW
VHYHUDO ERDWV WR WDNH ZLWK
\RX LQ FDVH RQH EUHDNV
RWKHUZLVH \RXǾOO KDYH D KDUG
WLPH JHWWLQJ EDFN
+HDG RXW RQWR WKH ZDWHU
DQG ORRN IRU WKH VHD ODQWHUQV
RQ WRS RI PRQXPHQWV WR VSRW
WKHP IDLUO\ HDVLO\ :DWFK RXW IRU
JXDUGLDQV LI \RX JHW WRR FORVH
WKRXJK ,I \RXǾYH JRW D 3RWLRQ RI
1LJKW 9LVLRQ WKDW ZLOO PDNH LW HDVLHU WR

 
!
VHH XQGHUZDWHU
   !   <RX FDQ DOVR EX\ RFHDQ H[SORUHU
      PDSV IURP FDUWRJUDSKHU YLOODJHUV
       7KH\ǾOO VHOO \RX D PDS IRU 
    HPHUDOGV SOXV D FRPSDVV DQG \RX


 FDQ WKHQ XVH LW WR ORFDWH DQ RFHDQ
PRQXPHQW 7KH PDS ZLOO VKRZ URXJKO\
ZKHUH \RX DUH LQ UHODWLRQ WR LW DQG
WKH GHWDLO RI WKH PDS ZLOO VWDUW
ȽOOLQJ LQ DV \RX JHW YHU\ FORVH
$Q RFHDQ H[SORUHU PDS ,I \RXǾUH QRW ȽQGLQJ
PRQXPHQWV $1<:+(5( WKRXJK
WKDW PLJKW EH D SUREOHP DV
WKH\ǾUH TXLWH FRPPRQ 7U\
DQG FKHFN \RXǾUH SOD\LQJ D
YHUVLRQ WKDW KDV WKHP LQ DQG
WKDW \RXǾUH QRW SOD\LQJ LQ D
ZRUOG WKDW KDV WKH ȁJHQHUDWH
VWUXFWXUHVȂ RSWLRQ GLVDEOHG
+DYH \RX IRXQG DQ\ YLOODJHUV
IRU H[DPSOH"
7KDQNV &KULV




 



+L -RKQQ\ *RRG
TXHVWLRQV &OHDUO\
D IDQ RI WKH
LQJDPH KRUVHV
7R DQVZHU \RXU
TXHVWLRQV
 7R WDPH D KRUVH
7DPH KRUVHV PDNH \RX KDYH WR SXW D
JUHDW SHWV
VDGGOH RQ LW WKHQ
ULGH WKH VDPH RQH
VHYHUDO WLPHV $Q
XQWDPHG KRUVH ZLOO WKURZ \RX Rȼ
DIWHU D IHZ VHFRQGV EXW HYHQWXDOO\
 #
$ $
-' LW ZLOO JLYH LQ DQG OHW \RX FRQWURO
 *-$  + '   "+ ' LW +HDUWV ZLOO ULVH IURP LWV KHDG WR
, *$'$
*'  $ VKRZ ZKHQ WKLV KDV KDSSHQHG
 ,  -* '  #$$!   .HHS WU\LQJ DQG HYHQWXDOO\ \RXǾOO
#'  '  *$' '  EH DEOH WR ULGH LW
'#
$  ,WǾV SRVVLEOH WKHUHǾOO EH D KRUVH
) - $ ' ' ' #$$ "' # PHDW GURS DGGHG LQ WKH IXWXUH ǹ
 ' , -*  '! WKHUHǾV QR SDUWLFXODU UHDVRQ WKH\
(  -*"# ''  , #  GRQǾW GURS PHDW DW WKH PRPHQW
 *'  #$ $ ' RWKHU WKDQ QRRQH KDV WULHG WR DGG
   ' -* # ' #$! LW \HW :HǾG EH VXUSULVHG LI LW QHYHU
 $   KDSSHQHG EXW WKHUHǾV QR GHȽQLWH
-
 % GDWH IRU WKLV IHDWXUH HLWKHU 0D\EH
MXVW OHDYH WKHP DOLYH
IRU QRZ
/HDYH WKHVH KRUVHV DOLYH  ,W VKRXOG DWWDFN
WKH KRUVH EXW LW PD\
GHSHQG RQ WKH PRE LWV
DWWDFN DQG WKH YHUVLRQ
RI WKH JDPH \RXǾUH
UXQQLQJ 6RUU\ ZH FDQǾW
EH PRUH VSHFLȽF
7KDQNV DJDLQ ZH KRSH
VRPH RI WKRVH DQVZHUV
ZHUH KHOSIXO


$V XVXDO RXU ȽQDO SDJHV DUH UHVHUYHG IRU TXLFNȽUH
TXHVWLRQV 6RUU\ LI ZH GLGQǾW SULQW \RXU ZKROH OHWWHU ǹ
ZH GR UHDG WKHP DOO

    

   


 &OD\ DSSHDUV LQ
VKDOORZ ZDWHU
 
6RUU\ (OLMDK EXW WKHUH DUH QR
SODQV WR GR WKLV ULJKW QRZ
7KDWǾV QRW WR VD\ LW ZLOO 1(9(5
KDSSHQ EXW LI \RX ZDQW WR
JHW LQYROYHG LQ D ZLWKHU VWRUP
ȽJKW WKH EHVW WKLQJ \RX FDQ GR
LV UHSOD\ 6WRU\ 0RGH DJDLQ
'RQǾW ZRUU\ WKRXJK ǹ LI WKH
ZLWKHU VWRUP LV HYHU DQQRXQFHG
\RX FDQ EHW \RXǾOO UHDG DERXW
LW KHUH

    
   

  
'LDPRQGV DUH HDV\ ǹ WKH\ FDQ RQO\ EH PLQHG IURP
GLDPRQG RUH XVLQJ DQ LURQ SLFND[H <RXǾOO ȽQG
GLDPRQG DW D KXJH GHSWK LQ FDYH WXQQHOV %ULFNV
PHDQZKLOH FDQ EH VPHOWHG RXW RI FOD\ &OD\ LV
HDVLHVW WR ȽQG LQ VKDOORZ
SRQGV DQG DORQJ WKH HGJHV
RI ULYHUV 'LJ XS WKH EORFNV 0DNH \RXU RZQ
ZLWK D VKRYHO SXW WKH FOD\ YROFDQR
LQ D IXUQDFH DQG RXW SRSV
D EULFN

    

 
 
:H ZLVK ZH FRXOG WHOO \RX
:HǾG ORYH WR VHH WKHP
6RPHWLPHV \RX JHW QDWXUDO
YROFDQRHV IRUPHG ZKHQ
D ODYD EORFN VSDZQV RQ
WKH HGJH RI D PRXQWDLQ
EXW ZH NQRZ WKDWǾV QRW
TXLWH WKH VDPH ,I \RX ZDQW WR VHH D YROFDQR LQ
0LQHFUDIW WU\ EXLOGLQJ LW \RXUVHOI 'RQǾW IRUJHW WR
VHQG XV D SLFWXUH RI KRZ LW ORRNV



 



 

  
 

  

7KDW GHSHQGV RQ ZK\ \RXǾUH

HDWLQJ LW 'ULQNLQJ PLON IURP D
EXFNHW ZLOO FXUH \RX RI VWDWXV
HȼHFWV OLNH SRLVRQLQJ EXW LW
FDQǾW UHVWRUH \RXU KHDOWK $ &DNHV UHSOHQLVK
ZKROH FDNH FDQ UHVWRUH WKH ORDGV RI KHDOWK

PRVW IRRG SRLQWV  SHU FDNH

ZKLOH UDEELW VWHZ KDV WKH EHVW
EDODQFH RI SRLQWV  DQG
VDWXUDWLRQ WKH OHQJWK RI WLPH ELRPH DQG WKHQ SODQWLQJ D
EHIRUH \RXU KXQJHU EDU GURSV UHGEURZQ PXVKURRP LQ WKDW EHIRUH
8OWLPDWHO\ WKRXJK WKH EHVW IRRG LV \RX VFDWWHU WKH ERQHPHDO
ZKDWHYHU \RXǾYH JRW LQ \RXU KDQGV
'RQǾW EH SLFN\     

    

   
  

      6KHHS DUH IDLUO\ FRPPRQ DQG WKH\
 
 FRPH LQ ORWV RI GLȼHUHQW FRORXUV
,WǾV SUHWW\ VLPSOH DFWXDOO\ ǹ MXVW ǹ WKH SLQN VKHHS LV MXVW D 5($//<
VFDWWHU ERQHPHDO RQ D QRUPDO UDUH YHUVLRQ RI WKDW 0RVW VKHHS
PXVKURRP 5HG RU EURZQ LW GRHVQǾW DUH ZKLWH RQH LQ  DUH EODFN
PDWWHU WKRXJK LW ZLOO LQȾXHQFH WKH JUH\ RU OLJKW JUH\ DQG URXJKO\ RQH
W\SH RI JLDQW PXVKURRP WKDW JURZV LQ  DUH EURZQ %XW RQO\ RQH LQ
$V ORQJ DV WKHUHǾV URRP IRU LW WR RYHU  VKHHS ZLOO VSDZQ SLQN 7R
JURZ XSZDUGV DQG WKH OLJKWLQJ PDNH PDWWHUV ZRUVH LW PLJKW VSDZQ
LVQǾW WRR EULJKW LW VKRXOG KDSSHQ VRPHZKHUH \RX DUHQǾW ORRNLQJ
IDLUO\ TXLFNO\ ,I \RX ZDQW WR PDNH 1HYHUWKHOHVV LI \RX VHH RQH \RX
VXUH ZH UHFRPPHQG FROOHFWLQJ FDQ EH FRQȽGHQW \RXǾUH ORRNLQJ DW
P\FHOLXP IURP D 0XVKURRP ,VODQG RQH RI 0LQHFUDIWǾV UDUHVW DQLPDOV

7KDQNV DJDLQ
*URZ JLDQW PXVKURRPV HYHU\RQH 6HH
IURP VPDOO RQHV
\RX QH[W PRQWK

+DYH <28 JRW D TXHVWLRQ IRU

XV DERXW 0LQHFUDIW" 7KHQ HPDLO
LQFRPLQJ#HYHU\WKLQJPZFRP




&/$66,&
2/' &$5
&     $  
"!
! !  !  " # ! !  
 ! !  &   !  ! 
" &
&" $! # !  $! ! " 
!  !!    ""& ! "
 ! 
 ! %   $
!  ! !! !  !    7DNH WR WKH VNLHV
   !   %!& !  ! &
LQ VW\OH
"! ! ! "  "!   ! ! 
%"!  !! & #  $ !"!
"!   
 



$ JUHDWORRNLQJ
%/,03
YLQWDJH FDU

 !  ! ! ! "!
!  ! 
"   $    !
 & # ! !&   !& 
! 
!"    ! ! !!
 !  "! # ! !
 !& 
 ! #  $     !
  ! & !  &" !
!  $!& &  ! "  $
 "! # !  " $ ! 
! ! !  $ $"! $! ! !
!$  !  &  ! $ 

 


5()5,*(5$7(' 
 


758&.
)   (    )) 7KH SHUIHFW YHKLFOH
)+( .+ (((+ +(, 
IRU DQ\ IDUP
,+0 (+ ,) + 
( +/+,(  +) ) ) )
+-0 -(" ,+  +  .( )
 + +)  ( ,) ++
 ) ) + )
,()" +') , + 0, .+ 0, ,+ )
,+ .0 + )++(  . (, 0,(
.( +  +)   0 .
+ ),') ,+$
 
 
 

$ KDQG\ WUXFN ZKHQ

LWƎV ZDUP RXWVLGH
-2+1 '((5(
&20%,1(
+$59(67(5

 0) (')  -(0 -0   (-)+(
.+ + ++   ( )  
(+ )  ( +"
(+ , (
.+  +  +++ + +"
 (++
)  ),( + ()+ +   (+
)++ - +  -(0 ()+ " + .,
  ))+ + ( 0 ("
 + + ( + )( )) + -
+0 - + -   ),(
+0    (-)+( , (
0 . ) + + +( (+"

$0%8/$1&(
0 +)   . +0
 0,'(   + )+  (VVHQWLDO LI \RXƎUH
(0 ()) - (+$  DFFLGHQW SURQH
  .'- + ,)+ + (+ 
( 0,( (. (   -(0 ))+
" +( 0,'(  .+
 ,/+ 1  ++ ( 
+(0  +(,)+ (  ) (
.+  )( ).( .0  0,  +
 +,+ . .( )+ ,)$!
0,  + 0,() / , (+
#, .+   +) 
(,"  ,)+  )
 ("
(0,(,) )'+ )+ 0
+ %&"
0'  ( (
+ 
 
 
 


 02%,/( &5$1(

( 
', *'   % %  $ 
%'  ( $ ,($ $(' 
$% 
'$(
% %  $*$'
',  $
 % ' )  ,  +% ' 
' % %  
$ %  *$', '
' , (  '
$', %,% !'% $
   $$ %% %   "
*

( %$ ,( '    ' $
,(#) $ , ('   '  *$  %($ )RU ZKHQ \RX QHHG D
'   ' % '
$  '%   EUHDN IURP FLW\ OLIH
* %'' ' $  ( 
'($  *

'% ( $ , %


  
0(',(9$/ %2$7
, , '% %#' ' $%' '
,(# ' '  ' ,($
', *  ,(
%'$' ( (' ''  %#'   '#%
' $ ,
 (% 
,(#) ' 
  ) ' (' ,(# * $ *
,(
  *'(' '  ' $%' 
 
$
'
'   $ , $ '   
%($ '' '  % *$% $ ' ,
 '' ) '($ *  ' ,

%'$(
'  '% %' $
 *' *'
$GGV KHLJKW DQG LQWHUHVW %% '
'
 ' , *  ,(#$ $(
WR DQ\ FLW\ VN\OLQH $( '$, '  ' 
 ' ' *' $


 

/80%(5
758&.
$ 
', *'  
 $ %'
$ , '% ( $ '$(
 *( 

 ' ' % $, % '
(   ' , %  !
1LFH DGGLWLRQ ('," ) $ ,($ ) $% 
WR DQ\ IRUHVW EXLOG ('   ' %  ($ *$ * #
) '  (' % ' $ *%,
% '  *' ' , 
(%' $

 % % $ %' %'%   
%  *' $    * * $
 ) $ $  * *,%   '($

($% *(  $ '', 



  


 
 


$,53/$1(
$ ' ', ''#% '
)$,' * $ ,(
  ' %'  $'
$  (% *#) )$
%!  ,( % ,($%
(  * ' 
'%"  (% * 
, ' % '#% %'$' (%
' (' +' ,$#%
,%  *$ * *'
' '  '  ' '  $ FLW\ LVQƎW FRPSOHWH
' $, ' ' ($ $' ZLWKRXW DQ DLUSRUW
%'  '  ! '#% % 
' ' , (' ' 
' $' * * '
$'% %($% $ ''
' ( ' ) ' '
$( $ '% ,!
 
 
 

%H WKH HQY\ RI

&,752(1 '6 DOO \RXU SDOV

% $' '' $

%#'  *' 
'$$ (' (%'  '
'
('( ( ''
% $% (% ' )
 * $ ( 
), $% '  ' 
 ,(#) $, ('
,($%  % ' 
)$, *' 
%'  %  ' '  
'' *' ), *'
(  ''$ '  $%
,($ )   $'
   '  
'  %*% $% '"

' %'$' *'  
'% (' +' ( '#%  $$$  ('' 
%%,  ' %,#% ' '
 
 
 



 
  
     

\RX ƬQG \RXU ZD\ WKURXJ K RXU WULFN\ PD]H WR EDJ

&DQ
WKH HPHUDOG DW WKH FHQWUH" *RRG OXFN


 


OORZLQJ WKHVH WKUHH UXOHV"

 
RI EORFNV IR
&DQ \RX FRORXU LQ WKH JULG
Q D EORFN
Ɣ (DFK VTXDUH PXVW FRQWDL DL Q DOO VL[ NLQGV RI EORFN
UH G UH FW DQ JO HV P XV W FR QW
Ɣ (DFK RI WKH OLQ H WZ LFH  KRUL]RQWDOO\ RU YHUWLFDOO\
FD Q DS SH DU RQ DQ \
Ɣ 1R W\SH RI EORFN


&DQ \RX WHOO ZKLFK PHDOV ZHƎYH
JLYHQ D 0LQHFUDIW PDNHRYHU"

<RXƎOO ƬQG DOO WKH

 DQVZHUV RQ S



  
7 %" :'6 4' 2' $%:
' :'6 '1 4" % 4
4 $ 4' 81 4 % %
4## 62 ## '64 :'61
%424 
%14 14 '%2
'##4 '%2 "2 % 2
 #'7 1 7 % ## :'61
%4124 % #4412 2'  261
0,1(&5$)7 6(('
1%4#: '6%  2 '1   4 '%, 402
.(5$ 228&&(;;/ *'7 '62#: 8 4'64 4 %714
'$$2+, 4 2)8%2 :'6 1 4 %94 4'  ##% 41 8 4
$621''$2 1'8 % '% 4,
#2' %1: 4102  71:
#1 #" 8 4 #'42 ' 28$) 841 44 #''" # "
'6%41 2,
2 8## 2 44  :'6 9)#'1   4 :'60## %
4' 4 % 4'6 '64  2 )81",
%:4 %
%14 1#4


    


'6 % 81 4 4' 62 7  $ #,

61 122 2 ,, '6 $ 4 1$$1 $ *
$+ 1'$ 226 5,
 
 

 
      $ 
     
 

    $      "  $
 #''" '181 4' 1 % 
 $        $  
1'$ :'6 102 4 #424    $  !     
'##4 '% ' #4412,,,

*,1*(51,1-$ǡ6
:$51,1*
07 % )#: %
%14 2 % 82
'61 % 0$ (5 %'8 7 
%14
")" % '4  %  1'$ 4
#424 226  $: $6$ %  # " 4,
  4'   4##: 18 $: 612'%
8' 2 2 '% 
%14 2" % 4
' :'6 6:2 4 %"- % !624 2: 0$
26)1 4%"6#
%14 82 14 0$ )1'6 4'  '%
' 4 $%:
%12 % 1412 % 4 2 8'1# 64 '%#: 7 '%
16# % 4 2 $ 0

  

  
 
 !      
    "     
  "   $  "   
      
      #  $   



-21$6ǡ6  



+(52%5,1( 3,&
 # ( *(/  $$*
&  - $ ( (  $ / (
# - (*#  #
# $   !
"   /* "( *  ($ ((#
#  $ " $*# /* #

/ (
* # $  /
 (*$  $  ((#$!
 # / / # (  /*#
  0$


!!   #(  (
(( ( $( ($
( ( #
# $ &1 , )% (,
 )  !
$   !!  
 "! & # !
 $ # !
 !  $  $!   "
      ! " !
!! " !& !  !
 "
   !!  !"


$5&+,(ǡ6 612:
*2/(0
 "
#  1  " # (
( # (! 
(( $(#$
  $#($ *   $($! 
*#,,      , * $(
   #*#  $-# !
#"$  $( (.(*#   $-
 # #$( $ -(  #*#
$ ! #"$   # -#
/* #, (- $   
#*# (*#( $  /(# ! "

 # /  /  /* $( ($ 

/*# .( $$*!

 
 
 # "!   !


 " "! ! &" $  !
  ! ' ! !  !!  
 "! $  # & & ! 
" &"
%
 ! "   !! ! 
&" &  & &" 
!

(7+$1ǡ6 <2878%(
&+$11(/
  #' #  #- * -(#
   +(    -( ('  
-(# .
" 
((# +' '# $($ 
#  #'  





"* *#'  $ +#  '  '
,' '  $#' ' !    -(
+ ('   -(# 


 !  "   #


 ! "   

   ! " 

 !  "   
   

&$,7/,1ǡ6 
"' # ('  '$

<2878%( 7,36  * (

" #-  # ' '  -( (' '$ 
-(# ,' $$(!
 +$ # ' +
#"$ #$('$
 $$( %   # ''   #'  

 

((  $ (
 *   # /   "   

#- -  *$  $  '#    
 " 
$ ('  #' $ - *(#'!   
 "    "
"*  '$  # ('  -# ! ! ! "  
+   $' *  *$! # "       " 

- + +'$ '  
((#  *    ! " 
$ * 



  
     








   

  G L S W W R
U

$%287
(1&+$17,1*
 ++(   3.'
1 (  '.' ( + +
3.   (( (  
+(
'  '0 3.' 2(+ (#
 ' + .(  ++( (
 '+ +  3. 1 + + ' 
!  (.'00" +  &(  ''
' (#   ((+ 1 3 +  +
+( ( 1+   ++
+
#   + +( 3. 
Q
  ++ +

! 2 
(  - 2    3.&' ' 3   3.' +
 2
" '.' '
 + + +
 
Q ,  (  4. ' '  ++ 1+ . + +' (   (  4.#
Q 0'  2 ' 0( .   + $( % 3.' 2 '
Q
 + + +  +(  ++( +(  1+ +  (  4. +  (+
!+( '.' 
("   ++#
Q  + 
(0( !) 2 1
, 2
"
(1&+$170(17
7$%/( 6(&5(76
   '.   ++
%RRNVKHOYHV SRZHU XS
+

(0( ' ( + 0 
 ++   ' # .  0 + ( 
HQFKDQWLQJ WDEOHV
'  (  4.  2 ' +( +
+ ' 0  ++( +.
 ++ +
( ' 0'+. 3
(+'.+
  '

3
 .( +3&'
  ' 
( 
 1' .  ++(
.(
(0( +'&(  . ' +
 #
3 + 
(0( 3.
  1  0  +  + (+'+
  ++(#


 

 

)URVW :DONHU ZRQƎW

FRPELQH ZLWK
'HSWK 6WULGHU

(1&+$17,1*
7,36 75,&.6

!!(  *  0   * *
   !*' *( 0!+ 
(*!' +*"   * *( ! 
(  !!%
!+  - +"    * *
0 !   *.! *( .* *
(   * * !   -
(! *.! !!( .* '" (( 
.!+ "'!+  '" (( 
  * *%
 0!+ !  *.!   * <RX FDQ QHYHU WHOO
*( !   - * '(+*  * HQFKDQWPHQWV LQ
. - !*   * *( +* DGYDQFH
* * ( *!  * (  
#(! *.! !  "/( .*
' *   * *( (  
*! !  +*  '!   !
 &*  !  -  *0 
(   * *$% (-( "!.'  +"
  *   * '*0 ! *!
  *  * . * 0!+   * *( - +*"
  * * !' 0!+' /"'    * * (
("  *   *   !! .!  -(  *  (
'(*%
+*  0!+   * ! *!  !! (* * !(
0!+  ( .*   * * 0! /"%
!' 0!+ ""0 * *! 0!+' *!!% !   * *(
 !'*+ *0 !    *   &*  ! 
* *'&( ! .0 !  !.  +( *' *(
.*    * * ( !' 0!    !*' !+*%
""0 *  *&( *'  0 (! !' /" "*
-'0 !"/ !'*( ' #. ("(
!.-' 0!+  '0 *  '$   '!(* '
-   * *(  * * 0!+ ' *! $  &*


  *  (  ! !   0! "' ! !!*(





%8,/',1*
'
%*" %
% %'#
'#%

"  # 

 '
*

"'

'%
 % ", % * %
*% ##


% #, %
,' 
  '  ,

%'
 %*"
% * 
#% &-- ' #%
"%
% #
)
 '%
%*" % % #,!# %

+% % * % % , %
" %

'%

 &DQ \RX GU\ RXW D

ZKROH PRQXPHQW"




  L I
 
'%

 %'"
)
 , '%% 
% *% 
)

 

+% % 
%" %

% 

 "*
'  
% 
% %

%
 
#
'#"#
 * '% %
## % ) 
U G W  '
%, #
  % 
R * '% % %" 
 %

#  
 #%  % "
#"%
L O  


% #%
%'  ,'"
# )" # 

 '


R  % 


 

 % %
)", '#

 %

 +#% )
$GG IXUQLWXUH WR *% * 
%
YLOODJH KRXVHV % 
 % 
"
 '

* " #
'# 
##
 #%
  
# 
#
% #
 


 %XLOG WZR SRUWDOV
DQG ƬQG D SDWK
EHWZHHQ WKHP

8VH ƬUHZRUNV WR ƭ\
DFURVV DQ RFHDQ

(;3/25,1* ( $ 


   
$  "
 
! 
!' !$ $!%%%$!
"$!
$ !"  (
$'! )
!

$!"   '
"
 %
 
")
  $(    $   " )% 
$ (
")"$   $
$!

$ ! (  )% 

  
)
   ($%$ % ! "$
%$
$

!
$ $ " $ 
" 

 )%! !
$ $
 %$
$ "
 
"$ 
! $ " $)
 

!!
 ( $ $ 
 
% $(
!$
" $
(
!!' 
 $! "


 $ '!(
 !  $ $!
%$ )%
 "
 ! " $ "  $( $
 
$    $!) $ 


!
)% ! 
% 
 
"$!  

" 
!

$
   ) )"  
 !
 $" * '  "  
 $ 

"
$ $ ("$
 )%!  

 (
$!

"'! '  
"
!

! !  !) 
 !
$ !' )
  
 $ )%

!
 
 % '  $! !

!" $ !!  )$!

 %"
($%$ '  )%
!""
 $
$
  "( ! $% $ (
$!
) $ (
 %
!"" $ !
%   $! $ $ (  "(
)  !
$'
($ )%!



$ " )  )%! (!
!
(
) % 
 " $ !

 - "! ,  ! *
0  , ! 
 ,  0* * 0"- !' ,!
)!, /   /,"-, ) , 0"-


0 *,") ) "-)' !0 -* / "*'
/$"! ") ! ", )" *,  !,
! ,) /!  , -*! - ) ,WƎV D EDG LGHD WR

 )0 !'
  ) ," ,,0( EULQJ D ZRRGHQ
! *, $)* ,"- * !, VZRUG WR D ƬJKW
)"-! ) 0"- , , /, 
,"!,  /")
! *,  )!* !," 0"-) ! ) , -*!
 , *" "!,*, ," * /""- *" *$* $",  !",! -,
! . ,   - ) , *,' "- "!(, , ,"!*'
 )- , 
,) ))"/,*'  ! ,    -$)!  "! 0"- ,*
 ,)  * 0 " - 
  "/ !0 "  ! /) * ") , ," ,  " /".* ,
  
0"-)  * , * ' " -
* "/  0 ! ,  $ " / /!"-*
/,   , !" */")* ,)!, * $) ! )") " %/ .*
) "-) -* *   "/ .)0 ! !,& ! "!(, " "- ) ,
, !   "   ! 
!0
   
"
 ") . $ , 0 !"! ! *, ,'  "/ !0 0, ,!

 !
"  * 0 "-  !    "/ * 0"-
! 0
, " ,   ) ,* )"$$!  !0 "*
0"- 
, !.* ). "* "! , ' "- !  0
 *! ") 
"!), $ ! -*
 .  "/)'
" $,,"
/" !  ! ," *
,
"*, * -*! ,

 
"/ !
))"/'

%XUQ PREV LQVWHDG

RI VWDEELQJ WKHP


  
 
  

:HDU D SXPSNLQ KHDG

WKHQ GUHVV LQ ZKLWH WR
EH D VQRZPDQ

&5$)7,1* 0 , ! - ,  ) , 

2 ,! # 2 ,   *,- 2!-

&  *, !  )  ,
)
 2,  /  , 2 1#! 2, 
/ ,! *   !,  /)
/)0!) #) 
0DNH D OODPD
2! -       ! )  ) UDLQERZ
  ,  !  !  3! !-,, *! 2!- 
 
, 2 !-)*  *
  )  

* #  2  * ,!* ! !  ! ,
!
2 ! -   (, ,   *   
 
,   #-#  * !0 &
*   0 ,!
2!-)*   !  ! /)2 ,2#
  !
/)2 ,2#     *  

 #-, , & /  - ' / ,! / /)2 ,
* ! , 0  ), )-# & !! 2!-
2!-) !0 ,* , ) !  , ,*  /
2 ) ,  ! , 0  ,   # ,)2 !!-) !
 !  ,)
  # 
-
 
)0 ! *& 
 0!) $**  
) )  ! /)2 ) ,
!0) #!, -,,   *, ) 4  ,!, !) "  2! #!,! &
*% , # 2& 
)2   0 ,) !,, -  -
&
 ! *#),,  *-)  ,  ,!! )
),  0   ,,  , 2!- )#) ,  *, &
!   0),  !

  ))- !-, ! -),2&  !
)2 , , ) , 2 )  2!- * ,  - ) , * !
#  !#
/)2   , ,  ,! ! ,*   2!-( 
!
1#   0& * !! ), *,0 -*)!! ) ,
!-(/ !    *,!*   *! ! &  *,0
) , !    ) ,  !,* ! 
2!- /)20 ) *, , ,*,*
-* , *# ) 2!- !& !-  , 0,
  * ! 2
,


 




 ' )   %
 *
 ! 
   !   %


   

  

%  %"

 !
! '"% $&
 ! %
)% (!*
""'
 

  

 
+ %%- % $ )+ *  0 -%* )#
. $0 & %%- %  ++" %.!
 *   * /* 
 %%-
$  . $0 %*$* * 0-$ $
 * 0-$ %%- $ 0-$ $ %
  -* * * %* *% $%*

    
$ $  *  %%#
#-'
/
$
 1++1 +++ ,    





    

 

-*  $
 
1
 (YHU\ PRQWK ZHƍUH FKDOOHQJLQJ UHDGHUV WR

%8,/' 63(&6 ( " *!

!+ -.(   * -*  .!+&'
*   '* +   *  
!' ! '!+  .!+  !. *
'! /! ( -  "!**!
'' ' ( ! %
. !*   $ FODVVLF LQWHULRU ORRN
!!   +'  (( 
 (*.  .!+' !- *%
(* !! '(*+' ( .!+' +
' ' * *   .
( *! , *! $+   (', 

 +  -* '

!+ *'   (*  !-
+,176 $1' 7,36

* !!

',*'+ -   !! 
+' ( *! !! *  "**' - ' -*  ' !'

!! ! * !+*(&' ' *! *'. !!#
&, , * ** ((  
*' * ** .!
+ -* +* . !  -*    '
!!+'( .!+ !+  !!(  .
-*,' .!+ - * * *!! '  '. !* *! 

,'.!  ! * *!+
! &* !'* ,(  !' ' !!* (
!    ! *!  + !' * !

 , *! (*  . ! &*
* (#  .!  ( *-!"'(!
.!+ !+  + ,  ' - !-
 ' !' " (! *   !+*  + 
*  (!!# !" *! (* *  *.&' 
 (+' *
.!+' (*  ! "'!,  !!' !'
+(*!'(    !*' !' .!+'
(*'*  *! !  ( *! 
* !*'  * !!  '  
  *! * '' (*( ! !!'( (!+
0F0LQHFUDIW DQ\RQH"
 (*  ' 
#


 ),1,6+,1* 728&+(6
. ? > ?+/4. D2 /-  4.  # 0

   


42?D 0 4GD  4> ??G> 4.D 2> >4 D D+.

20 D248 - > 02D D2 D>+(( >  > ?D20
)>( +# L2G G? 4> ??G> 4.D ? D)2G()"
!  & 
!   
E3BEF
.#>  .  2020 3 @8
? ?D+0  (.?? D2 /- L2G> +0 > .22- 2/40L > (+?D >  +0 0(.08
/2> #G08  =I G?  >  0 L ..2J D2   +/20 > J
I2- D) .22- 2#  424G.> G>( > )+08
!    ) . D2>>L
2G 0 G? L2G> 2J0 #I2G>+D 2.2G>?"   !  +>?D 0 2J>
/ ? G0D
2)0 22>
 / / > D2 +0.G  ?D2>( >  ?2
!  0+ . D>-
L2G 0 %.. G4 20 >J #22 D2 22- 0  +02/+0( I >LD)+0(/J82/
? >I +# 0 J) 0 L2G )I I+?+D2>?8
!  )>/ ?) +?D>L
GD G4 ?+(0? ?2 4 24. -02J J) >
D) L=> (2+0( 0 J)D D) L=> 2+0(8 # L2G     2+0 L0
)I ?4  4GD +D / #>/ ? J+D) #22 +0  
# 
G.+0 .2L*I0?
$    I+ >- >
2I D) 2G0D > D2 D ?  I+?G. / 0G"     > DD  L02.?
 %! #
/ ? L
& !  .+K  00+?

 
+0 >#D +?  > (+?D >  D> />- 2# 2,0( L0 >(+ ?

 5; 2,0(<68 ) ?> 0?)2D? 0 >DJ2>- ?)2J0 +0 D)+?
7KH GULYHWKUX ZLQGRZV 4G.+D+20 J > D- 0 #>2/ +0 >#D  (/ 4G.+?) 
L 2,0( 0 #>2/ +>2?2#D  J ?+D ?8 /
 ?+(0 4>2(>//+0( 0 (>4)+? #2> +0 >#D J >
GD)2>  L 2D) 5 >-G?  >??206 2$ >? /4.2L ?
0B2> #> .0 >? 2# 2,0(8 )+? +?  3NN7 G02$+.
0 +0 4 0 0D 4G.+D+20 J)+) +? +0 02 JL .+ 0? 
GD)2>+?  2> 02>?  L 2> 2D) >J+? 200 D  +0 0L
JL J+D) 2,0( 2> 0L 2D) > +0+I+G.? J)2 > GD)2>?
2# +0 >#D8
/ ? >0? 0 .2(2? / 0D+20  +0 D)+? 4G.+D+20
/L  4>2D D  L D> />- 2> 2D) > +0D .. DG.
4>24 >DL >+()D? 2# 20 2> ? I >. . (. ,G>+?+D+20?8
0L
> # > 0 D2 ?G) />-? +0 02 JL +/4.+ ? D)D D) L > 02D
4>2D D  G0 > 44.+. .J 02> +? +D +/4.+  D)D D) > +?
0L 2// >+. 2> 2D) > > .D+20?)+4  DJ 0 D) 4G.+?) >
'RQƎW IRUJHW D 0 D)D D> />- )2. >8
) 4G.+?) > K.G ? .. .++.+DL #2> D) 20D 0D 0
FRUQHU ERRWK ? >I+ ? 4>2I+  L 0L J ?+D ? 2> 2D) > D)+> 4>DL
4G.+D+20? 2> (/ ? > I+ J  0 ?).. 02D  > ?420?+.
#2> 0 2 ? 02D 02>? 0L I >D+?+0( 4>2GD? 2>
> ?2G> ? +0.G+0( D)2? I+.. #>2/ 0L D)+> 4>DL
KD >0. > ?2G> ? +0.G+0( J ?+D ? 0 J ?).. 02D 
.+. D2 0L 4>DL #2> 0L +0#2>/D+20 ? >I+ ? 2> > ?2G> ?
/ I+.. D)>2G() D) /8

.. 24L>+()D? > > 2(0+?  0 G?  ?4 +%..L #2> D)

4G>42? 2# >+D++?/ 0 > I+ J8

  00+? G.+?)+0( D .+ 0?  L  00+? 2.+0(? D

FN31 0 /L 02D  > 4>2G  +0 J)2. 2> 4>D J+D)2GD
D) 20? 0D 2# D) 4G.+?) >?8

:+$7 72 '2 1(;7

)L 02D 4GD G4 ?2/ /G>.? 20 D) J..

  


G?+0( 4+0D+0(?: > 4 >)4? 0 ?D>D
4DD >0 G?+0( (.M  D >>2DD: +I L2G>
+0 >? ?2/ D)+0( #G0 D2 .22- D"
0D D2 > ??G> 4 24. D)D D) +> #22 +?
2 I >D+? 4. ? 20DD " &!

2 .+ 0? D)+? 4>2GD 4. ? 20DD >.2DD  >0D20+ 20
9'' 5N6 FN @1N@A&&N 2> /+. >.2DDH? >0D20+ 00+?8
28G-
2 ?L0+D 20D 0D #>2/ D)+? 4>2GD 4. ? 20DD
0,
.. 20 9''5N6 FN @1N@ A3EF 2> /+. 0,H).. 00+?8
28G-
 +0( ?2G>  D)+..L: G+.  #> *>0( 

 +..+/ +20?


 L/2G> +?D>+GD+20
#>/ 2GD?+ D) J+02J ?2 I >L20 -02J?
KD.L J) > L2G> G>( >? 2/ #>2/8 > 

+# L2G=>  I ( D>+0 4.0D I ( D. ? 0 )+. I >L > J? D- 0 G>+0( D) 4>2GD+20 2# D)+?
4G.+D+20 D) 4G.+?) >? 002D  ) . > ?420?+. #2>
/G?)>22/? 2GD?+ D) J+02J +0?D " 0L >>2>? 2> 2/+??+20? +0 +D8 ) 44 > G?  J+D)+0 D)+?
2/4. D D) K4 >+ 0 L 4.+0(  D+.. 20 4G.+D+20 +? 4>2G  #>2/ ?G?D+0. %> 0 >
D) 2G0D > 0 )>(+0( 4 24. D2 ( D #228 /0G#DG>  L /+..? J+D)  I.+ )+0 2# G?D2L8
0 (2. 0G(( D 4 > +D / ?)2G. 2I > +D !
L2G=..  0 -  4 +0 +0(2D? ?220 02G()8




 

     



 
  
  
38==/( $'9(1785( :+$7 72 /22. )25
&26026  ,'1,., 3+ 4!1  .
+3+, !+ !#.!  ! .2,
  1..! . . 2+4

!1 ,.+. ., 2 .1+ # $1. 4 !..! ! 4!1+ ,# ,# .. ,.+., 
  +.#, 1,+ 14 +4%   +, ., !
,. 2     ., ,.+  3!+ 3  !! , ! 3. .1# !!+
.+2   4!1+ +! . ,#&
!1* ,!! , !2+
!.  , 3. . ,, , 4!1 .+4 .! ,!2 
,+, !  +, 4  1. #155, .! , #
4!1+ #+,!     !1. 3. ##  .! 4!1&
 # , 3,      . 
/6  1.,  4!1*+ !! 1. ! *.  1#,. 
:+(5( 72 *(7 ,7

1,+,  !3 ! . # +!
. ., ! +  ,! #155, +  ,   



$   (!3 !
,1+ 4!1*+ #4  2 .! "&"0  4!1*+   +.
!  .! 2  ! ! . #)%&
+
.! , 
1. .!
# 4!1
7KH FUDVK VLWH
 ,. .

13&V RƫHU VLGHTXHVWV

:DWFK RXW LQ WKLV RQH

1RW WRR FUHHS\


"&!"



  % 


     %$

 
 

"