Katalog speedo 2017 jankusport

Page 1

WOMENS FASTSKIN SUITS The Fastskin collection aims to offer a range of racing suits that not only works with your body shape but also meets your personal swimwear preferences.

LZR RACER X KNEESKIN

LZR RACER ELITE 2

OPEN WATER BODYSKIN

Compression

Compression

Compression

Technology

Technology

Technology

Both LZR Racer X and LZR Racer Elite 2 are available in 2 back options. Curved Backs will benefit from an open back to avoid air bubbles. Straight back’s will benefit from a closed back due to body positioning gained from extra coverage.

LZR RACER X Speedo’s latest innovation and most premium suit available. Worn by Missy Franklin, 4 x Gold Olympic medallist. Developed by swimmers for swimmers. Increased targeted compression streamlines the body while support seams hold you higher in the water making you feel your fastest.

LZR RACER ELITE 2

OPENWATER

The LZR Racer® Elite 2 features all-over suit compression creating a streamlined shape in the water, whilst the lightweight fabric stretches four ways so the suit feels comfortable like a second skin. Still worn by many world class swimmers.

The Speedo Fastskin LZR Racer 2 Openwater suit has been designed to help swimmers defeat the challenges of open water swimming. The fabric offers all-over suit compression creating a streamlined shape in the water, whilst the lightweight fabric stretches four ways so the suit feels comfortable like a second skin.

ALL OVER COMPRESSION Ultra lightweight patented fabric known as LZR Pulse+ compresses and sculpts your body into the optimal hydrodynamic shape. FULLY BONDED SEAMS Ultra sonically bonded seams reduce skin friction drag by 6% vs sewn seams. COMFORT Anti-chafe straps are softer, wider and feel more comfortable on the shoulders.

ALL OVER COMPRESSION Ultra lightweight patented fabric known as LZR Pulse+ compresses and sculpts your body into the optimal hydrodynamic shape. FULLY BONDED SEAMS Ultra sonically bonded seams reduce skin friction drag by 6% vs sewn seams. COMFORT Anti-chafe straps are softer, flatter and feel more comfortable on the shoulders. BODY POSITION Linked core support panels round the body , supports your lower abdominals + promote a more hydrodynamic shape and position in the water. DURABLE WATER REPELLANCE Water repelling technology that lasts 40% longer.

DURABLE WATER REPELLANCE Water repelling technology that lasts 40% longer.

GEL POCKETS Loops on the suit allow you to keep gel’s secure and in easy reach.

Double Thinstrap

Competitive & Swim Fitness Backs

Combines an open back DQG WKLQ VWUDSV IRU PD[LPXP movement and style.

Double Crossback

With 6 back options across our Competitive and Swim )LWQHVV UDQJHV WKH SHUIHFW FRPELQDWLRQ RI VKDSH VW\OH DQG FRPIRUW WR VXLW HYHU\ VZLPPHU LV MXVW D PDWWHU RI choice.

Thinstraps ,GHDO IRU DYRLGLQJ thick ‘tan lines’ when swimming outdoors.

Rippleback

Classic Back Aiding shoulder movement and ÂŹ H[LELOLW\ ,GHDO IRU training.

Powerback

Crossback )OH[LEOH FRPIRUW VWUDSV IRU HDVH RI SXWWLQJ RQ *UHDW IRU DLGLQJ shoulder exibility. ,GHDO IRU WUDLQLQJ Crossback

Open Back 3HUIHFW IRU UDFLQJ RU longer training session.

Muscleback

Increased back coverage With additional bust VXSSRUW IRU FRPIRUW and conďŹ dence in the pool.

/HJ +HLJKWV High Leg Medium Leg Low Leg

Kickback

Greater back coverage With additional bust support, these suits DUH JUHDW IRU WKH active regular swimmer. Racerback

Designed to last longer Ă› (QGXUDQFHä XVHV D EOHQG RI 3%7 DQG Polyester ďŹ bres which help to provide high chlorine resistance Ă› /RQJHU ODVWLQJ ÂŤ W WKURXJK ZHDU DQG XVH 5HVLVWV VQDJJLQJ DQG IDGLQJ ORQJHU WKDQ RWKHU VZLP IDEULFV Ă› )HDWXULQJ PXOWLGLUHFWLRQDO VWUHWFK IDEULF IRU DGGHG VRIWQHVV DQG FRPIRUW Ă› 3URYLGHV 89$ 89% SURWHFWLRQ IURP the sun

/RQJHU /DVWLQJ

&KORULQH Resistant

UV Protection

Fits like new IRU ORQJHU Û *UHDW FRPIRUW DQG VKDSH UHWHQWLRQ VZLP DIWHU VZLP Û 'XUDEOH IDEULF WKDW LV UHVLVWDQW WR VQDJJLQJ Û Now with new Creora® +LJKFORâ„¢ elastane with higher chlorine resistance than standard elastane Û 3URYLGHV 89$ 89% SURWHFWLRQ IURP WKH VXQ

)LWV /LNH 1HZ )RU /RQJHU +LJKHU FKORULQH resistance

CREORA is a registered trade PDUN RI +\RVXQJ &RUSRUDWLRQ

Superior Fit

Chlorine Resistant

UV Protection

Glossary of Fabrics Swimwear Fabrics

ENDURANCE®+

Speedo Sculpture®

ENDURANCE®10

Speedo’s most durable fabric providing 100% chlorine resistance with a high level of snag and fade resistance. Excellent comfort and fit properties. The ultimate in durability.

A soft, supple knitted power fabric that shapes the body. XTRA LIFE LYCRA® fibre offers increased chlorine resistance to last longer than swimwear fabrics using ordinary elastane.

Featuring new Creora® Highclo™ elastane with higher chlorine resistance than standard elastane swim fabrics. Designed for ultimate comfort and fit retention swim after swim. Quick drying and smooth to the touch.

Peached Polyester

Yarn Dyed Check

Woven Nylon

Peaching helps to create a smoother softer hand feel on the fabric surface, increasing comfort. Water resistant to aid dry time.

Uses historical woven fabric methods to bring traditional checks into the 21st century. Eye catching designs and fabric durability with soft touch.

Also known as Polyamide, nylon is a synthetic fibre. Nylon is lightweight, strong and abrasion resistant. Water resistant to improve dry time.

Watershorts Fabrics

Fabric Abbreviations Code

Fibre Name

PA

Polyamide (Nylon)

PL

Polyester

PP

Polypropylene (Polyolefin)

PU

Polyurethane

EA

Elastane (Europe)

PBT

Polybutylene Terephthalate

LYCRA® is a trademark of INVISTA.

Body Positioning Swimwear At Speedo we understand how important creating the optimum body position in the water is and how that position can deliver an improved swim. That is why we have developed our most advanced body positioning swimwear range yet. We have worked with the world’s leading athletes, coaches, sports scientists and physiotherapists to help us understand the art of swimming and enable us to understand how our swimwear can help you perfect your body position.

A good swim technique is essential to help you get the most from your swim and this is helped by having a good body position

Keeping your body horizontal in the water minimizes drag and energy - your core helps you maintain the correct position

The better your body position, the more stable you will be and more able to propel yourself through the water faster

By engaging your core muscles and keeping them tight, you can help lock your body in the right position. This makes it easier to maintain a horizontal and more efficient swim position for longer

Streamline Positioning

Body Positioning Swimwear

New for

2017

Power Form Compression Dynamic compression is created through the placement of Power Form Compression contours. Placement creates high compression in some areas and lighter compression in others to improve your body position in the water.

Dynamic Core Compression

360 Bust Support

Enhances muscle control and promotes better body positioning.

Integral 360 mesh bra MVY H ZLJ\YL Ă„[

Comfort Straps Enhanced comfort with softer and smoother straps

Body Positioning Swimwear

Power Mesh Panels

360Ëš Bra to Support Your Bust

Core support is created by power mesh panels and seams inspired by Fastskin LZR X. Designed using the technology and design from our elite racing suit, Fastskin LZR X.

Power Mesh Panels Support Your Core

Core Muscle Support

360 Bust Support

Internal power mesh panels encourage key muscle awareness and promote better body positioning

Integral 360 mesh bra MVY H ZLJ\YL Ă„[

Comfort Straps Enhanced comfort with softer and smoother straps

Look great Love swimming All-over Body Shaping

Bust Support

All-over Body Shaping

Tummy Control

Bust Support

Tummy Control

All-over Body Shaping

Visual Shaping

Single Layer Fabric

Chlorine Resistance

Our exclusive lightweight fabric has been swim tested internationally. 85% of women agreed it provided shaping without compromising on comfort and 90% that it gave them a smoother silhouette.*

This is what helps to make Speedo Sculpture styles so flattering. Each style has its own unique visual detailing such as colour signposting, contrasting panels, specific necklines and under bust seaming.

Unlike most other shaping swimwear, there are no multiple layers of fabric that can become heavy and sag as they soak up water. The Speedo Sculpture fabric has enough technology in a single layer, to provide a smoother silhouette without compromising on comfort.

Made using Xtra Life LYCRA fibre which lasts up to 10 times longer than traditional fabrics.

* International swim test with 48 women

XtrazRA® is a trade mark of INVISTA

)HPDOH )DVWVNLQ )DVWVNLQ /=5 5DFHU ; 2SHQEDFN .QHHVNLQ %ODFN *ROG

)DVWVNLQ /=5 5DFHU ; 2SHQEDFN .QHHVNLQ % -DGH %ODFN -DGH %ODFN

%ODFN *ROG

)DVWVNLQ /=5 5DFHU ; 2SHQEDFN .QHHVNLQ 1HZ )DVWVNLQ /=5 5DFHU ; 2SHQEDFN .QHHVNLQ )HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ 0LVV\ )UDQNOLQ [ *ROG 2O\PSLF PHGDOOLVW 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG WDUJHWHG FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU LQ WKH ZDWHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$ )HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ %RG\ SRVLWLRQ ,QFUHDVHG OLQNHG FRUH VWDELOL]HU SDQHOV SURPRWH D PRUH K\GURG\QDPLF VKDSH DQG EHWWHU SRVLWLRQ LQ WKH ZDWHU ଀ $E DFWLYDWRUVவ /DVHU FXW SDQHOV LQ WKH VXLWà«·V FRUH OLQHU LQFUHDVH ZDWHU VHQVLWLYLW\ ZKLOH SURPSWLQJ \RX WR DOLJQ \RXUVHOI FRUUHFWO\ ଀ 6XSSRUW 0D[LPLVHG VXSSRUW VHDPV LPSURYH WKH OLQNDJH RI WKH ERG\à«·V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ /DVHU FXW VWUDSV 3UHFLVLRQ ODVHU LQFLVLRQV FRQWURO WKH VWUHWFK RI WKH VWUDS DQG HQVXUH JUHDWHU VKRXOGHU FRPIRUW DQG ILW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

%X\V

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ 0LVV\ )UDQNOLQ [ *ROG 2O\PSLF PHGDOOLVW 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG WDUJHWHG FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU LQ WKH ZDWHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$ )HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ %RG\ SRVLWLRQ ,QFUHDVHG OLQNHG FRUH VWDELOL]HU SDQHOV SURPRWH D PRUH K\GURG\QDPLF VKDSH DQG EHWWHU SRVLWLRQ LQ WKH ZDWHU ଀ $E DFWLYDWRUVவ /DVHU FXW SDQHOV LQ WKH VXLWà«·V FRUH OLQHU LQFUHDVH ZDWHU VHQVLWLYLW\ ZKLOH SURPSWLQJ \RX WR DOLJQ \RXUVHOI FRUUHFWO\ ଀ 6XSSRUW 0D[LPLVHG VXSSRUW VHDPV LPSURYH WKH OLQNDJH RI WKH ERG\à«·V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ /DVHU FXW VWUDSV 3UHFLVLRQ ODVHU LQFLVLRQV FRQWURO WKH VWUHWFK RI WKH VWUDS DQG HQVXUH JUHDWHU VKRXOGHU FRPIRUW DQG ILW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

)DVWVNLQ /=5 5DFHU ; 2SHQEDFN .QHHVNLQ % /DYD 5HG %ODFN (OHFWULF 3LQN

)DVWVNLQ /=5 5DFHU ; &ORVHGEDFN .QHHVNLQ %ODFN *ROG

/DYD 5HG %ODFN

%ODFN *ROG

)DVWVNLQ /=5 5DFHU ; 2SHQEDFN .QHHVNLQ 1HZ

)DVWVNLQ /=5 5DFHU ; &ORVHGEDFN .QHHVNLQ

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ 0LVV\ )UDQNOLQ [ *ROG 2O\PSLF PHGDOOLVW 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG WDUJHWHG FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU LQ WKH ZDWHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ 0LVV\ )UDQNOLQ [ *ROG 2O\PSLF PHGDOOLVW 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG WDUJHWHG FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU LQ WKH ZDWHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ %RG\ SRVLWLRQ ,QFUHDVHG OLQNHG FRUH VWDELOL]HU SDQHOV SURPRWH D PRUH K\GURG\QDPLF VKDSH DQG EHWWHU SRVLWLRQ LQ WKH ZDWHU ଀ $E DFWLYDWRUVவ /DVHU FXW SDQHOV LQ WKH VXLWà«·V FRUH OLQHU LQFUHDVH ZDWHU VHQVLWLYLW\ ZKLOH SURPSWLQJ \RX WR DOLJQ \RXUVHOI FRUUHFWO\ ଀ 6XSSRUW 0D[LPLVHG VXSSRUW VHDPV LPSURYH WKH OLQNDJH RI WKH ERG\à«·V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ /DVHU FXW VWUDSV 3UHFLVLRQ ODVHU LQFLVLRQV FRQWURO WKH VWUHWFK RI WKH VWUDS DQG HQVXUH JUHDWHU VKRXOGHU FRPIRUW DQG ILW

)HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ %RG\ SRVLWLRQ ,QFUHDVHG OLQNHG FRUH VWDELOL]HU SDQHOV SURPRWH D PRUH K\GURG\QDPLF VKDSH DQG EHWWHU SRVLWLRQ LQ WKH ZDWHU ଀ $E DFWLYDWRUVவ /DVHU FXW SDQHOV LQ WKH VXLWà«·V FRUH OLQHU LQFUHDVH ZDWHU VHQVLWLYLW\ ZKLOH SURPSWLQJ \RX WR DOLJQ \RXUVHOI FRUUHFWO\ ଀ 6XSSRUW 0D[LPLVHG VXSSRUW VHDPV LPSURYH WKH OLQNDJH RI WKH ERG\à«·V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ /DVHU FXW VWUDSV 3UHFLVLRQ ODVHU LQFLVLRQV FRQWURO WKH VWUHWFK RI WKH VWUDS DQG HQVXUH JUHDWHU VKRXOGHU FRPIRUW DQG ILW

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

)DVWVNLQ /=5 5DFHU ; &ORVHGEDFN .QHHVNLQ % -DGH %ODFN

)DVWVNLQ /=5 5DFHU ; &ORVHGEDFN .QHHVNLQ % /DYD 5HG %ODFN (OHFWULF 3LQN

-DGH %ODFN

/DYD 5HG %ODFN

)DVWVNLQ /=5 5DFHU ; &ORVHGEDFN .QHHVNLQ 1HZ

)DVWVNLQ /=5 5DFHU ; &ORVHGEDFN .QHHVNLQ 1HZ

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ 0LVV\ )UDQNOLQ [ *ROG 2O\PSLF PHGDOOLVW 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG WDUJHWHG FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU LQ WKH ZDWHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ 0LVV\ )UDQNOLQ [ *ROG 2O\PSLF PHGDOOLVW 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG WDUJHWHG FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU LQ WKH ZDWHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ %RG\ SRVLWLRQ ,QFUHDVHG OLQNHG FRUH VWDELOL]HU SDQHOV SURPRWH D PRUH K\GURG\QDPLF VKDSH DQG EHWWHU SRVLWLRQ LQ WKH ZDWHU ଀ $E DFWLYDWRUVவ /DVHU FXW SDQHOV LQ WKH VXLWà«·V FRUH OLQHU LQFUHDVH ZDWHU VHQVLWLYLW\ ZKLOH SURPSWLQJ \RX WR DOLJQ \RXUVHOI FRUUHFWO\ ଀ 6XSSRUW 0D[LPLVHG VXSSRUW VHDPV LPSURYH WKH OLQNDJH RI WKH ERG\à«·V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ /DVHU FXW VWUDSV 3UHFLVLRQ ODVHU LQFLVLRQV FRQWURO WKH VWUHWFK RI WKH VWUDS DQG HQVXUH JUHDWHU VKRXOGHU FRPIRUW DQG ILW

)HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ %RG\ SRVLWLRQ ,QFUHDVHG OLQNHG FRUH VWDELOL]HU SDQHOV SURPRWH D PRUH K\GURG\QDPLF VKDSH DQG EHWWHU SRVLWLRQ LQ WKH ZDWHU ଀ $E DFWLYDWRUVவ /DVHU FXW SDQHOV LQ WKH VXLWà«·V FRUH OLQHU LQFUHDVH ZDWHU VHQVLWLYLW\ ZKLOH SURPSWLQJ \RX WR DOLJQ \RXUVHOI FRUUHFWO\ ଀ 6XSSRUW 0D[LPLVHG VXSSRUW VHDPV LPSURYH WKH OLQNDJH RI WKH ERG\à«·V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ /DVHU FXW VWUDSV 3UHFLVLRQ ODVHU LQFLVLRQV FRQWURO WKH VWUHWFK RI WKH VWUDS DQG HQVXUH JUHDWHU VKRXOGHU FRPIRUW DQG ILW

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

)DVWVNLQ /=5 5DFHU (OLWH 2SHQEDFN .QHHVNLQ %ODFN %ODFN ,,

)DVWVNLQ /=5 5DFHU (OLWH 2SHQEDFN .QHHVNLQ % -DGH %ODFN

%ODFN %ODFN ,,

-DGH %ODFN

)DVWVNLQ /=5 5DFHU (OLWH 2SHQEDFN .QHHVNLQ

)DVWVNLQ /=5 5DFHU (OLWH 2SHQEDFN .QHHVNLQ 1HZ

7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 6WLOO ZRUQ E\ PDQ\ ZRUOG FODVV VZLPPHUV 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 6WLOO ZRUQ E\ PDQ\ ZRUOG FODVV VZLPPHUV 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ 2SHQ EDFN VW\OH 7KH RSHQ EDFN RIIHUV JUHDWHU IUHHGRP RI PRYHPHQW DQG PD\ EH SUHIHUUHG E\ VZLPPHUV ZLWK DUFKHG EDFNV +RZHYHU EDFN VW\OH FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ 2SHQ EDFN VW\OH 7KH RSHQ EDFN RIIHUV JUHDWHU IUHHGRP RI PRYHPHQW DQG PD\ EH SUHIHUUHG E\ VZLPPHUV ZLWK DUFKHG EDFNV +RZHYHU EDFN VW\OH FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

)DVWVNLQ /=5 5DFHU (OLWH 2SHQEDFN .QHHVNLQ % /DYD 5HG %ODFN (OHFWULF 3LQN

)DVWVNLQ /=5 5DFHU (OLWH &ORVHGEDFN .QHHVNLQ %ODFN

/DYD 5HG %ODFN

%ODFN

)DVWVNLQ /=5 5DFHU (OLWH 2SHQEDFN .QHHVNLQ 1HZ

)DVWVNLQ /=5 5DFHU (OLWH &ORVHGEDFN .QHHVNLQ

7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 6WLOO ZRUQ E\ PDQ\ ZRUOG FODVV VZLPPHUV 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 6WLOO ZRUQ E\ PDQ\ ZRUOG FODVV VZLPPHUV 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ 2SHQ EDFN VW\OH 7KH RSHQ EDFN RIIHUV JUHDWHU IUHHGRP RI PRYHPHQW DQG PD\ EH SUHIHUUHG E\ VZLPPHUV ZLWK DUFKHG EDFNV +RZHYHU EDFN VW\OH FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ &ORVHG EDFN VW\OH 7KH FORVHG EDFN RIIHUV JUHDWHU FRYHUDJH ZKLFK FDQ LPSURYH SHUIRUPDQFH DQG PD\ EH SUHIHUUHG E\ VZLPPHUV ZLWK VWUDLJKW EDFNV +RZHYHU EDFN VW\OH FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

)DVWVNLQ /=5 5DFHU (OLWH &ORVHGEDFN .QHHVNLQ % -DGH %ODFN

)DVWVNLQ /=5 5DFHU (OLWH &ORVHGEDFN .QHHVNLQ % /DYD 5HG %ODFN (OHFWULF 3LQN

-DGH %ODFN

/DYD 5HG %ODFN

)DVWVNLQ /=5 5DFHU (OLWH &ORVHGEDFN .QHHVNLQ 1HZ

)DVWVNLQ /=5 5DFHU (OLWH &ORVHGEDFN .QHHVNLQ 1HZ

7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 6WLOO ZRUQ E\ PDQ\ ZRUOG FODVV VZLPPHUV 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 6WLOO ZRUQ E\ PDQ\ ZRUOG FODVV VZLPPHUV 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ &ORVHG EDFN VW\OH 7KH FORVHG EDFN RIIHUV JUHDWHU FRYHUDJH ZKLFK FDQ LPSURYH SHUIRUPDQFH DQG PD\ EH SUHIHUUHG E\ VZLPPHUV ZLWK VWUDLJKW EDFNV +RZHYHU EDFN VW\OH FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ &ORVHG EDFN VW\OH 7KH FORVHG EDFN RIIHUV JUHDWHU FRYHUDJH ZKLFK FDQ LPSURYH SHUIRUPDQFH DQG PD\ EH SUHIHUUHG E\ VZLPPHUV ZLWK VWUDLJKW EDFNV +RZHYHU EDFN VW\OH FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

)HPDOH 6SHHGR )LW 6SHHGR )LW 3RZHU )RUP ;%DFN % %ODFN (OHFWULF 3LQN

6SHHGR )LW 6SOLFH ;EDFN % %ODFN /DYD 5HG (OHFWULF 3LQN %ODFN /DYD 5HG

%ODFN (OHFWULF 3LQN

6SHHGR )LW 6SOLFH ;EDFN 1HZ 6SHHGR )LW 3RZHU )RUP ;%DFN 1HZ )HDWXULQJ 6SHHGR V EUDQG QHZ 3RZHU )RUP &RPSUHVVLRQ WHFKQRORJ\ WKLV LQQRYDWLYH VZLPVXLW FDQ KHOS \RX LPSURYH \RXU ERG\ SRVLWLRQ LQ WKH ZDWHU VR \RX FDQ VZLP IDVWHU IRU ORQJHU ,QWHUQDO SRZHU PHVK SDQHOV HQFRXUDJH NH\ PXVFOH DZDUHQHVV DQG SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ZKLOVW \RX VZLP (QJLQHHUHG IRU WUDLQLQJ WKLV VZLPVXLW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 3RZHU IRUP 7HFKQRORJ\'\QDPLF &RUH &RPSUHVVLRQ SURPRWHV EHWWHU ERG\ SRVLWLRQLQJ LQ WKH ZDWHU ଀ EXVW VXSSRUW )RU DGGHG FRPIRUW DQG VHFXULW\ ଀ 6RIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

3DFNHG IXOO RI 6SHHGR LQQRYDWLRQ WKLV VZLPVXLW FDQ KHOS \RX LPSURYH \RXU ERG\ SRVLWLRQLQJ LQ WKH ZDWHU DQG VZLP IDVWHU (QJLQHHUHG IRU WUDLQLQJ WKLV VXLW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ /LJKWZHLJKW FRUH FRPSUHVVLRQ SDQHOV ૱ GUDZV DWWHQWLRQ WR \RXU FRUH HQFRXUDJLQJ \RX WR PDLQWDLQ D EHWWHU ERG\ SRVLWLRQ LQ WKH ZDWHU ଀ EXVW VXSSRUW )RU DGGHG FRPIRUW DQG VHFXULW\ ଀ 6RIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6SHHGR )LW 6SOLFH ;EDFN % 1DY\ -DGH 2UFKLG

6SHHGR )LW .LFNEDFN % $UDELDQ 1LJKW 2UFKLG -DGH

1DY\ -DGH

$UDELDQ 1LJKW 2UFKLG

6SHHGR )LW 6SOLFH ;EDFN 1HZ

6SHHGR )LW .LFNEDFN 1HZ

3DFNHG IXOO RI 6SHHGR LQQRYDWLRQ WKLV VZLPVXLW FDQ KHOS \RX LPSURYH \RXU ERG\ SRVLWLRQLQJ LQ WKH ZDWHU DQG VZLP IDVWHU (QJLQHHUHG IRU WUDLQLQJ WKLV VXLW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

'LYH LQWR \RXU ZRUNRXW 7KLV VW\OLVK VZLPVXLW LV JUHDW IRU GDLO\ VZLP VHVVLRQV DQG LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ /LJKWZHLJKW FRUH FRPSUHVVLRQ SDQHOV ૱ GUDZV DWWHQWLRQ WR \RXU FRUH HQFRXUDJLQJ \RX WR PDLQWDLQ D EHWWHU ERG\ SRVLWLRQ LQ WKH ZDWHU ଀ EXVW VXSSRUW )RU DGGHG FRPIRUW DQG VHFXULW\ ଀ 6RIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ EXVW VXSSRUW )RU DGGHG FRPIRUW DQG VHFXULW\ ଀ 6RIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ .LFNEDFN IRU LQFUHDVHG EDFN FRYHUDJH ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

6SHHGR )LW .LFNEDFN % %ODFN (OHFWULF 3LQN /DYD 5HG

6SHHGR )LW 7DQNLQL .LFNEDFN % %ODFN (OHFWULF 3LQN /DYD 5HG

%ODFN (OHFWULF 3LQN

%ODFN (OHFWULF 3LQN

6SHHGR )LW .LFNEDFN 1HZ

6SHHGR )LW 7DQNLQL .LFNEDFN 1HZ

'LYH LQWR \RXU ZRUNRXW 7KLV VW\OLVK VZLPVXLW LV JUHDW IRU GDLO\ VZLP VHVVLRQV DQG LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

2IIHULQJ H[WUD FRYHUDJH FRPIRUW VWUDSV DQG EXVW VXSSRUW VR \RX OO IHHO FRPIRUWDEOH WKURXJKRXW \RXU VZLP VHVVLRQV 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ EXVW VXSSRUW )RU DGGHG FRPIRUW DQG VHFXULW\ ଀ 6RIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ .LFNEDFN IRU LQFUHDVHG EDFN FRYHUDJH ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ EXVW VXSSRUW )RU DGGHG FRPIRUW DQG VHFXULW\ ଀ 6RIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ .LFNEDFN IRU LQFUHDVHG EDFN FRYHUDJH ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

%R\OHJ (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6SHHGR )LW /HJVXLW .LFNEDFN % 1DY\ -DGH 2UFKLG

6SHHGR )LW 6SOLFH 0XVFOHEDFN % 1DY\ -DGH $UDELDQ 1LJKW

1DY\ -DGH

1DY\ -DGH

6SHHGR )LW /HJVXLW .LFNEDFN 1HZ

6SHHGR )LW 6SOLFH 0XVFOHEDFN 1HZ

2IIHULQJ H[WUD FRYHUDJH FRPIRUW VWUDSV DQG EXVW VXSSRUW VR \RX OO IHHO FRPIRUWDEOH WKURXJKRXW \RXU VZLP VHVVLRQV 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV VZLPVXLW SURYLGHV JUHDW IUHHGRP RI PRYHPHQW DOORZLQJ \RX WR IRFXV RQ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG )HDWXULQJ D VW\OLVK SULQW DQG (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ EXVW VXSSRUW )RU DGGHG FRPIRUW DQG VHFXULW\ ଀ 6RIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ .LFNEDFN IRU LQFUHDVHG EDFN FRYHUDJH ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/HJVXLW (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ %XVW VXSSRUW IRU H[WUD FRPIRUW DQG FRQILGHQFH ଀ 6RIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

6SHHGR )LW 6SOLFH 0XVFOHEDFN % %ODFN (OHFWULF 3LQN /DYD 5HG %ODFN (OHFWULF 3LQN

6SHHGR )LW 6SOLFH 0XVFOHEDFN 1HZ 7KLV VZLPVXLW SURYLGHV JUHDW IUHHGRP RI PRYHPHQW DOORZLQJ \RX WR IRFXV RQ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG )HDWXULQJ D VW\OLVK SULQW DQG (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ %XVW VXSSRUW IRU H[WUD FRPIRUW DQG FRQILGHQFH ଀ 6RIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HPDOH 6FXOSWXUH $XUD*OHDP 3LHFH % %ODFN (OHFWULF 3LQN /DYD 5HG

$TXD%HDP 3LHFH % %ODFN :KLWH %ODFN :KLWH

%ODFN (OHFWULF 3LQN

$TXD%HDP 3LHFH 1HZ $XUD*OHDP 3LHFH 1HZ 7KH $XUD*OHDP KDV D IODWWHULQJ VTXDUH QHFNOLQH DQG D JRUJHRXV GHVLJQ WKDW GUDZV WKH H\H WR WKH ZDLVW $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR )HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ 9LVXDO GHWDLOLQJ KHOSV FRQWRXU WKH ERG\ ଀ 6TXDUH QHFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ WKH KLSV ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

3ULQWV DUH D JUHDW ZD\ WR VWDQG RXW LQ VZLPZHDU ૱ QRW OHDVW DV WKH\ VPRRWK WKH FRQWRXUV RI WKH ERG\ 7KLV FXUYH HQKDQFLQJ $TXD%HDP VZLPVXLW KDV D GHHS 9 QHFNOLQH WR HORQJDWH WKH QHFN $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR )HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ 3ULQW YLVXDOO\ VPRRWKHV OXPSV DQG EXPSV ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

$TXD%HDP 3LHFH % 1DY\ -DGH

/XQD/X[H 3ODFHPHQW 3LHFH % 1DY\ -DGH

1DY\ -DGH

1DY\ -DGH

$TXD%HDP 3LHFH 1HZ

/XQD/X[H 3ODFHPHQW 3LHFH 1HZ

3ULQWV DUH D JUHDW ZD\ WR VWDQG RXW LQ VZLPZHDU ૱DQG WKH\ VPRRWK WKH FRQWRXUV RI WKH ERG\ 7KLV FXUYH HQKDQFLQJ $TXD%HDP VZLPVXLW KDV D GHHS 9 QHFNOLQH WR HORQJDWH WKH QHFN $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

7KH VLGH SDQHO SDWWHUQV RI WKH /XQD/X[H VZLPVXLW YLVXDOO\ VOLP WKH ERG\ DQG WKH IODWWHULQJ VTXDUH QHFNOLQH ZLGHQV \RXU XSSHU ERG\ EDODQFLQJ \RXU KLSV WR FUHDWH WKH SHUIHFW KRXUJODVV ILJXUH $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ 3ULQW YLVXDOO\ VPRRWKHV OXPSV DQG EXPSV ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ 9LVXDO GHWDLOLQJ KHOSV FRQWRXU WKH ERG\ ଀ 6TXDUH QHFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ WKH KLSV ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/RZ ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

/XQD'UHDP 3ULQWHG 3LHFH % 1DY\ $UDELDQ 1LJKW

/XQD'UHDP 3LHFH % (OHFWULF 3LQN %ODFN

1DY\ $UDELDQ 1LJKW

(OHFWULF 3LQN %ODFN

/XQD'UHDP 3ULQWHG 3LHFH 1HZ

/XQD'UHDP 3LHFH 1HZ

3ULQWV DUH D JUHDW ZD\ WR VWDQG RXW LQ VZLPZHDU HVSHFLDOO\ DV WKH\ VPRRWK WKH FRQWRXUV RI WKH ERG\ 7KLV /XQD'UHDP VZLPVXLW IHDWXUHV D EDQGHDX QHFNOLQH ZKLFK HQKDQFHV DQG IODWWHUV D VPDOOHU EXVW $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

&RORXU EORFNLQJ LV D JUHDW ZD\ WR PDNH D VW\OH VWDWHPHQW DQG IODWWHU \RXU ILJXUH 7KLV /XQD'UHDP VZLPVXLW LV JUHDW DW FUHDWLQJ DQ KRXUJODVV VLOKRXHWWH ZLWK LWV EDODQFH RI EULJKW SLQN RQ WRS DQG EODFN RQ WKH ERWWRP $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &UHDWHV DQ KRXUJODVV VLOKRXHWWH ଀ %DQGHDX QHFNOLQH HQKDQFHV DQG IODWWHUV D VPDOOHU EXVW ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

$YDLODEOH VL]HV

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &UHDWHV DQ KRXUJODVV VLOKRXHWWH ଀ %DQGHDX QHFNOLQH HQKDQFHV DQG IODWWHUV D VPDOOHU EXVW ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\HVWHU ;WUD /LIH (ODVWDQH

%X\V

$YDLODEOH VL]HV

&U\VWDO*OHDP 3LHFH % %ODFN (OHFWULF 3LQN /DYD 5HG

&U\VWDO*OHDP 3LHFH % 1DY\ $UDELDQ 1LJKW -DGH

%ODFN (OHFWULF 3LQN

1DY\ $UDELDQ 1LJKW

&U\VWDO*OHDP 3LHFH 1HZ

&U\VWDO*OHDP 3LHFH 1HZ

7KH &U\VWDO*OHDP V YLEUDQW SLQN SDQHO GUDZV WKH H\H ZKLOVW WKH VOLPPLQJ EODFN VLGH SDQHOV DQG FRQWUDVWLQJ ZDLVWEDQG QDUURZ \RXU ZDLVW IRU D VOHQGHU VLOKRXHWWH $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

7KH &U\VWDO*OHDP V EHDXWLIXO EOXH SDQHO GUDZV WKH H\H ZKLOVW WKH VOLPPLQJ QDY\ VLGH SDQHOV DQG FRQWUDVWLQJ ZDLVWEDQG QDUURZ \RXU ZDLVW IRU D VOHQGHU VLOKRXHWWH $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &RQWUDVWLQJ ZDLVWEDQG FUHDWHV LOOXVLRQ RI D VPDOOHU ZDLVW ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &RQWUDVWLQJ ZDLVWEDQG FUHDWHV LOOXVLRQ RI D VPDOOHU ZDLVW ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/RZ ;WUD /LIH /<&5$ 3RO\HVWHU ;WUD /LIH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/RZ ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

$TXD-HZHO 3FH % %ODFN (OHFWULF 3LQN /DYD 5HG

$TXD-HZHO 3FH % 1DY\ $UDELDQ 1LJKW -DGH

%ODFN (OHFWULF 3LQN

1DY\ $UDELDQ 1LJKW

$TXD-HZHO 3FH 1HZ

$TXD-HZHO 3FH 1HZ

7KH $TXDMHZHOà«·V FOHYHU XVH RI PRQRFKURPH DQG FRQWUDVWLQJ XQGHUEXVW EDQG FUHDWH WKH LOOXVLRQ RI D VPDOOHU ZDLVW $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

7KH $TXDMHZHOà«·V FOHYHU XVH RI PRQRFKURPH DQG FRQWUDVWLQJ XQGHUEXVW EDQG FUHDWH WKH LOOXVLRQ RI D VPDOOHU ZDLVW $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &RQWUDVWLQJ XQGHUEXVW EDQG YLVXDOO\ VOLPV WKH ZDLVW ଀ 9LVXDO GHWDLOLQJ KHOSV FRQWRXU WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &RQWUDVWLQJ XQGHUEXVW EDQG YLVXDOO\ VOLPV WKH ZDLVW ଀ 9LVXDO GHWDLOLQJ KHOSV FRQWRXU WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6KLQHGUHDP 3ODFHPHQW 3LHFH % %ODFN (OHFWULF 3LQN

&RQWRXUOX[H 3ULQWHG 3LHFH % 1DY\ $UDELDQ 1LJKW

%ODFN (OHFWULF 3LQN

1DY\ $UDELDQ 1LJKW

6KLQHGUHDP 3ODFHPHQW 3LHFH 1HZ

&RQWRXUOX[H 3ULQWHG 3LHFH 1HZ

7KH 6KLQHGUHDPà«·V FRQWRXUHG SULQW SDQHOV DQG IODVKHV RI QHRQ SLQN GUDZ WKH H\H YLVXDOO\ VOLPPLQJ WKH KLSV 0HDQZKLOH XQGHUEXVW VHDPLQJ JLYHV WKH LPSUHVVLRQ RI D QDUURZHU ZDLVW $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

7KH &RQWRXUOX[H LV D FODVVLF ZLWK D WZLVW 7KH IHPLQLQH FRQWUDVW FRORXU GHWDLOV SULQW DQG Y QHFNOLQH GUDZ WKH H\H IODWWHULQJ WKH EXVW DQG FUHDWLQJ D VOLPPLQJ HIIHFW $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 9LVXDO GHWDLOLQJ KHOSV FRQWRXU WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &RQWUDVWLQJ XQGHUEXVW EDQG YLVXDOO\ VOLPV WKH ZDLVW ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

&RQWRXUOX[H 3ULQWHG 3LHFH % %ODFN :KLWH

&RQWRXUOX[H 3LHFH % %ODFN /DYD 5HG (OHFWULF 3LQN

%ODFN :KLWH

%ODFN /DYD 5HG

&RQWRXUOX[H 3ULQWHG 3LHFH 1HZ

&RQWRXUOX[H 3LHFH 1HZ

7KH &RQWRXUOX[H LV D FODVVLF ZLWK D WZLVW 7KH IHPLQLQH FRQWUDVW FRORXU GHWDLOV SULQW DQG Y QHFNOLQH GUDZ WKH H\H IODWWHULQJ WKH EXVW DQG FUHDWLQJ D VOLPPLQJ HIIHFW $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

7KH &RQWRXUOX[H LV D FODVVLF ZLWK D WZLVW 7KH IHPLQLQH FRQWUDVW FRORXU GHWDLOLQJ DQG Y QHFNOLQH GUDZ WKH H\H IODWWHULQJ WKH EXVW DQG FUHDWLQJ D VOLPPLQJ HIIHFW $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &RQWUDVWLQJ XQGHUEXVW EDQG YLVXDOO\ VOLPV WKH ZDLVW ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &RQWUDVWLQJ XQGHUEXVW EDQG YLVXDOO\ VOLPV WKH ZDLVW ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

&RQWRXUOX[H 3LHFH % %ODFN 2[LG *UH\ (OHFWULF 3LQN

&RQWRXUOX[H 3LHFH % 1DY\ $UDELDQ 1LJKW -DGH

%ODFN 2[LG *UH\

1DY\ $UDELDQ 1LJKW

&RQWRXUOX[H 3LHFH 1HZ

&RQWRXUOX[H 3LHFH 1HZ

7KH &RQWRXUOX[H LV D FODVVLF ZLWK D WZLVW 7KH IHPLQLQH FRQWUDVW FRORXU GHWDLOLQJ DQG Y QHFNOLQH GUDZ WKH H\H IODWWHULQJ WKH EXVW DQG FUHDWLQJ D VOLPPLQJ HIIHFW $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

7KH &RQWRXUOX[H LV D FODVVLF ZLWK D WZLVW 7KH IHPLQLQH FRQWUDVW FRORXU GHWDLOLQJ DQG Y QHFNOLQH GUDZ WKH H\H IODWWHULQJ WKH EXVW DQG FUHDWLQJ D VOLPPLQJ HIIHFW $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &RQWUDVWLQJ XQGHUEXVW EDQG YLVXDOO\ VOLPV WKH ZDLVW ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &RQWUDVWLQJ XQGHUEXVW EDQG YLVXDOO\ VOLPV WKH ZDLVW ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

/XQD/XVWUH 3LHFH % %ODFN /DYD 5HG

/XQD/XVWUH 3LHFH % 1DY\ -DGH

%ODFN /DYD 5HG

1DY\ -DGH

/XQD/XVWUH 3LHFH 1HZ

/XQD/XVWUH 3LHFH 1HZ

7KH /XQD/XVWUH RIIHUV D FODVVLF GHVLJQ ZLWK D SRS RI FRORXU 7KH VTXDUH QHFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ \RXU KLSV $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

7KH /XQD/XVWUH RIIHUV D FODVVLF GHVLJQ ZLWK D SRS RI FRORXU 7KH VTXDUH QHFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ \RXU KLSV $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ 9LVXDO GHWDLOLQJ KHOSV FRQWRXU WKH ERG\ ଀ 6TXDUH QHFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ WKH KLSV ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ 9LVXDO GHWDLOLQJ KHOSV FRQWRXU WKH ERG\ ଀ 6TXDUH QHFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ WKH KLSV ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

:DWHUJHP 3LHFH %ODFN

:DWHUJHP 3LHFH % /DYD 5HG

%ODFN

/DYD 5HG

:DWHUJHP 3LHFH

:DWHUJHP 3LHFH 1HZ

7KH HOHJDQW :DWHUJHP YLVXDOO\ OHQJWKHQV DQG QDUURZV WKH ERG\ IRU D IODWWHULQJ VOLPPLQJ HIIHFW 7KLV VLJQDWXUH VW\OH KDV D Y VKDSHG QHFNOLQH ZKLFK HORQJDWHV WKH QHFN DQG XSSHU ERG\ $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

7KH HOHJDQW :DWHUJHP YLVXDOO\ OHQJWKHQV DQG QDUURZV WKH ERG\ IRU D IODWWHULQJ VOLPPLQJ HIIHFW 7KLV VLJQDWXUH VW\OH KDV D Y VKDSHG QHFNOLQH ZKLFK HORQJDWHV WKH QHFN DQG XSSHU ERG\ $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &UHDWHV DQ KRXUJODVV VLOKRXHWWH ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &UHDWHV DQ KRXUJODVV VLOKRXHWWH ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/RZ ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/RZ ;WUD /LIH /<&5$ 3RO\HVWHU ;WUD /LIH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

:DWHUJHP 3LHFH $UDELDQ 1LJKW $UDELDQ 1LJKW

:DWHUJHP 3LHFH 1HZ 7KH HOHJDQW :DWHUJHP YLVXDOO\ OHQJWKHQV DQG QDUURZV WKH ERG\ IRU D IODWWHULQJ VOLPPLQJ HIIHFW 7KLV VLJQDWXUH VW\OH KDV D Y VKDSHG QHFNOLQH ZKLFK HORQJDWHV WKH QHFN DQG XSSHU ERG\ $OO 6SHHGR 6FXOSWXUH VZLPVXLWV KDYH KLGGHQ EXVW VXSSRUW WXPP\ FRQWURO DQG DOO RYHU ERG\ VKDSLQJ IDEULF IRU D FRPIRUWDEOH IODWWHULQJ ILW $OO WKLV DQG LW V JUHDW WR VZLP LQ WRR )HDWXUHV ଀ $OORYHU ERG\ VKDSLQJ ૱ 1R FRPSURPLVH RQ FRPIRUW ZLWK H[FOXVLYH OLJKWZHLJKW KLJK SRZHU VKDSLQJ IDEULF ଀ 7XPP\ FRQWURO ૱ 6PRRWKV \RXU WXPP\ ZDLVW DQG EXP ZLWK LQWHOOLJHQW FXW DQG GHVLJQ ଀ %XVW VXSSRUW ૱ 'HVLJQHG WR VKDSH DQG IODWWHU WKH EXVW HQVXULQJ D JUHDW ILW VHFXULW\ DQG VXSSRUW ଀ $GMXVWDEOH VWUDSV IRU RSWLPXP VHFXULW\ DQG ILW ଀ &UHDWHV DQ KRXUJODVV VLOKRXHWWH ଀ 9 QHFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ ;WUD /LIH /<&5$ IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/RZ ;WUD /LIH /<&5$ 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HPDOH 0DLQOLQH $QWLJUDYLW\ 3ODFHPHQW 'LJLWDO 3RZHUEDFN % %ODFN 'DQXEH 0DQJR /LJKW

6SDFHGXVW 3ODFHPHQW 'LJLWDO 3RZHUEDFN % %ODFN /DYD 5HG 0DQJR %ODFN /DYD 5HG

%ODFN 'DQXEH

6SDFHGXVW 3ODFHPHQW 'LJLWDO 3RZHUEDFN 1HZ $QWLJUDYLW\ 3ODFHPHQW 'LJLWDO 3RZHUEDFN 1HZ 7KH VWULNLQJ GHVLJQ RI WKLV SULQWHG VZLPVXLW LV LQVSLUHG E\ EHDXWLIXO VXQIORZHUV DQG DQWL JUDYLW\ 7KH SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ZKLOH FRPSHWLQJ HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

6WDQG RXW RQ UDFH GD\ 7KLV VZLPVXLW V VKRZ VWRSSLQJ SULQW GLVSOD\V D SRZHUIXO VN\ VFHQH 7KH SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ZKLOH FRPSHWLQJ HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6RODUYLVLRQ 3ODFHPHQW 'LJLWDO 3RZHUEDFN % 1DY\ 2UFKLG 'HHS /LODF

3ULVPVWRUP 3ODFHPHQW 'LJLWDO 5LSSOHEDFN % %ODFN (OHFWULF 3LQN /DYD 5HG

1DY\ 2UFKLG

%ODFN (OHFWULF 3LQN

6RODUYLVLRQ 3ODFHPHQW 'LJLWDO 3RZHUEDFN 1HZ

3ULVPVWRUP 3ODFHPHQW 'LJLWDO 5LSSOHEDFN 1HZ

6WDQG RXW RQ UDFH GD\ 7KLV VZLPVXLW V VRODU SULQW ZLOO VHW \RX DSDUW IURP WKH FRPSHWLWLRQ ,GHDO IRU UDFLQJ WKH KLJK FXW OHJ DQG WKLQVWUDSV SURYLGH WRWDO IUHHGRP RI PRYHPHQW HQVXULQJ QRWKLQJ KROGV \RX EDFN RQ UDFH GD\ 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

7KLV VWULNLQJ FRPSHWLWLRQ VXLW IHDWXUHV D KHDG WXUQLQJ SULVP SULQW 7KH SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ZKLOH FRPSHWLQJ HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 5LSSOHEDFN GHVLJQ RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

+LJK (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

,JQLWRU 3ODFHPHQW 3RZHUEDFN % 1DY\ -DGH *UHHQ *ORZ :KLWH

,JQLWRU 3ODFHPHQW 3RZHUEDFN % %ODFN 'DQXEH (OHFWULF 3LQN

1DY\ -DGH

%ODFN 'DQXEH

,JQLWRU 3ODFHPHQW 3RZHUEDFN 1HZ

,JQLWRU 3ODFHPHQW 3RZHUEDFN 1HZ

6WDQG RXW RQ WKH EORFNV 7KLV VZLPVXLW V LJQLWH SULQW ZLOO VHW \RX DSDUW IURP WKH FRPSHWLWLRQ 7KH SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ZKLOH FRPSHWLQJ HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

6WDQG RXW RQ WKH EORFNV 7KLV VZLPVXLW V LJQLWH SULQW ZLOO VHW \RX DSDUW IURP WKH FRPSHWLWLRQ 7KH SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ZKLOH FRPSHWLQJ HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

&RVPLF 3RLQW 3ODFHPHQW 3RZHUEDFN % 1DY\ -DGH /HPRQ 6RUEHW

5RWRVFRSH $OORYHU 3RZHUEDFN % 1DY\ -DGH *UHHQ *ORZ :KLWH

1DY\ -DGH

1DY\ -DGH

&RVPLF 3RLQW 3ODFHPHQW 3RZHUEDFN 1HZ

5RWRVFRSH $OORYHU 3RZHUEDFN 1HZ

7KLV YLEUDQW VZLPVXLW IHDWXUHV D VWULNLQJ SULQW WKDW LV LQVSLUHG E\ FRVPLF HQHUJ\ 7KH SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ZKLOH FRPSHWLQJ HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

7KLV VZLPVXLW V FODVKLQJ SULQW ZLOO HQVXUH \RX VWDQG RXW DW WKH SRRO 7KH SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ZKLOH FRPSHWLQJ HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

&RVPLF &ODVK $OORYHU 3RZHUEDFN % %ODFN 'DQXEH /DYD 5HG

%RRP $OORYHU 0XVFOHEDFN % %ODFN (OHFWULF 3LQN

%ODFN 'DQXEH

%ODFN (OHFWULF 3LQN

&RVPLF &ODVK $OORYHU 3RZHUEDFN 1HZ

%RRP $OORYHU 0XVFOHEDFN 1HZ

7KLV VWULNLQJ VZLPVXLW IHDWXUHV D YLEUDQW SULQW WKDW LV LQVSLUHG E\ FRVPLF HQHUJ\ 7KH SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ZKLOH FRPSHWLQJ HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

6WULNLQJ WKH SHUIHFW EDODQFH EHWZHHQ VSRUW\ DQG VW\OLVK RXU QHZ VLJQDWXUH SULQW LV DYDLODEOH LQ D UDQJH RI IODWWHULQJ FRORXUV 7KH PXVFOHEDFN DOORZV IRU IUHHGRP RI PRYHPHQW )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ )XOO\ OLQHG ZLWK FRQWUDVW FRORXU ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

%RRP $OORYHU 0XVFOHEDFN % %ODFN :KLWH

%RRP $OORYHU 0XVFOHEDFN % 1DY\ -DGH

%ODFN :KLWH

1DY\ -DGH

%RRP $OORYHU 0XVFOHEDFN 1HZ

%RRP $OORYHU 0XVFOHEDFN 1HZ

6WULNLQJ WKH SHUIHFW EDODQFH EHWZHHQ VSRUW\ DQG VW\OLVK RXU QHZ VLJQDWXUH SULQW LV DYDLODEOH LQ D UDQJH RI IODWWHULQJ FRORXUV 7KH PXVFOHEDFN DOORZV IRU IUHHGRP RI PRYHPHQW )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

6WULNLQJ WKH SHUIHFW EDODQFH EHWZHHQ VSRUW\ DQG VW\OLVK RXU QHZ VLJQDWXUH SULQW LV DYDLODEOH LQ D UDQJH RI IODWWHULQJ FRORXUV 7KH PXVFOHEDFN DOORZV IRU IUHHGRP RI PRYHPHQW )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ )XOO\ OLQHG ZLWK FRQWUDVW FRORXU ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ )XOO\ OLQHG ZLWK FRQWUDVW FRORXU ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

%RRP 6SOLFH 5DFHUEDFN % %ODFN (OHFWULF 3LQN

%RRP 6SOLFH 5DFHUEDFN % 1DY\ -DGH

%ODFN (OHFWULF 3LQN

1DY\ -DGH

%RRP 6SOLFH 5DFHUEDFN 1HZ

%RRP 6SOLFH 5DFHUEDFN 1HZ

3ULQWHG ZLWK 6SHHGR QHZ VLJQDWXUH SULQW ERRP WKLV VW\OLVK VZLPVXLW V UDFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW IRU HDVH RI PRYHPHQW )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

3ULQWHG ZLWK 6SHHGR QHZ VLJQDWXUH SULQW ERRP WKLV VW\OLVK VZLPVXLW V UDFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW IRU HDVH RI PRYHPHQW )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ ,FRQLF 5DFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV LQFUHDVHG EDFN FRYHUDJH ଀ %XVW VXSSRUW IRU H[WUD FRPIRUW DQG FRQILGHQFH ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ ,FRQLF 5DFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV LQFUHDVHG EDFN FRYHUDJH ଀ %XVW VXSSRUW IRU H[WUD FRPIRUW DQG FRQILGHQFH ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

%RRP 6SOLFH 0XVFOHEDFN %ODFN :KLWH

%RRP 6SOLFH 0XVFOHEDFN % 2[LG (OHFWULF 3LQN

%ODFN :KLWH

2[LG (OHFWULF 3LQN

%RRP 6SOLFH 0XVFOHEDFN 1HZ

%RRP 6SOLFH 0XVFOHEDFN 1HZ

3ULQWHG ZLWK 6SHHGR QHZ VLJQDWXUH SULQW ERRP WKLV VW\OLVK VZLPVXLW V PXVFOHEDFN DOORZV IRU IUHHGRP RI PRYHPHQW )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

3ULQWHG ZLWK 6SHHGR QHZ VLJQDWXUH SULQW ERRP WKLV VW\OLVK VZLPVXLW V PXVFOHEDFN DOORZV IRU IUHHGRP RI PRYHPHQW )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

%RRP 6SOLFH 0XVFOHEDFN % %ODFN /DYD 5HG

%RRP 6SOLFH 0XVFOHEDFN % 1DY\ 2UFKLG

%ODFN /DYD 5HG

1DY\ 2UFKLG

%RRP 6SOLFH 0XVFOHEDFN 1HZ

%RRP 6SOLFH 0XVFOHEDFN 1HZ

3ULQWHG ZLWK 6SHHGR QHZ VLJQDWXUH SULQW ERRP WKLV VW\OLVK VZLPVXLW V PXVFOHEDFN DOORZV IRU IUHHGRP RI PRYHPHQW )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

3ULQWHG ZLWK 6SHHGR QHZ VLJQDWXUH SULQW ERRP WKLV VW\OLVK VZLPVXLW V PXVFOHEDFN DOORZV IRU IUHHGRP RI PRYHPHQW )HDWXULQJ (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

%RRP $OORYHU 3FH 0HG /HJ % (OHFWULF 3LQN %ODFN

%RRP $OORYHU 7DQNLQL % %ODFN (OHFWULF 3LQN

(OHFWULF 3LQN %ODFN

%ODFN (OHFWULF 3LQN

%RRP $OORYHU 3FH 0HG /HJ 1HZ

%RRP $OORYHU 7DQNLQL 1HZ

%ULQJ D WRXFK RI VW\OH WR WKH SRRO ZLWK WKLV WZR SLHFH IHDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

,GHDO IRU WUDLQLQJ DQG SRRO EDVHG ILWQHVV FODVVHV WKH VW\OLVK %RRP 7DQNLQL HQVXUHV \RX IHHO FRPIRUWDEOH GXULQJ DFWLYH SRRO VHVVLRQV DQG SURPLVHV WR NHHS LWV VKDSH WKDQNV WR RXU H[FOXVLYH (QGXUDQFHp IDEULF %XVW VXSSRUW HQKDQFHV \RXU FRPIRUW ZKLOH PLQLPLVLQJ PRYHPHQW GXULQJ WUDLQLQJ

଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

)HDWXUHV ଀ %XVW VXSSRUW IRU H[WUD FRPIRUW DQG FRQILGHQFH ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

%R\OHJ (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

%RRP 6SOLFH /HJVXLW % %ODFN /DYD 5HG

/LJKWEHDP 3ODFHPHQW 3RZHUEDFN % 1DY\ -DGH 6RIW &RUDO

%ODFN /DYD 5HG

1DY\ -DGH

%RRP 6SOLFH /HJVXLW 1HZ

/LJKWEHDP 3ODFHPHQW 3RZHUEDFN 1HZ

7KLV VSRUW\ OHJVXLW LV LGHDO IRU SURYLGLQJ H[WUD FRYHUDJH DQG IHDWXUHV D PXVFOHEDFN GHVLJQ IRU JUHDW IUHHGRP RI PRYHPHQW PDNLQJ LW D JUHDW FKRLFH ZKHWKHU \RX UH WDNLQJ D GLS RU D VZLP ILWQHVV FODVV 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

,GHDO IRU UDFLQJ DQG WUDLQLQJ WKLV SRZHUEDFN VZLPVXLW RIIHUV WRWDO IUHHGRP RI PRYHPHQW DOORZLQJ \RX WR IRFXV RQ \RXU SHUIRUPDQFH ZLWKRXW IHHOLQJ UHVWULFWHG )HDWXULQJ YLEUDQW FRORXU GHWDLOLQJ DQG (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ /HJVXLW RIIHUV LQFUHDVHG FRYHUDJH ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/HJVXLW (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

/LJKWEHDP 3ODFHPHQW 3RZHUEDFN % %ODFN (OHFWULF 3LQN 'DQXEH

6SRUWV /RJR 0HGDOLVW $ %ODFN 9HJDV 3LQN

%ODFN (OHFWULF 3LQN

%ODFN 9HJDV 3LQN

/LJKWEHDP 3ODFHPHQW 3RZHUEDFN 1HZ

6SRUWV /RJR 0HGDOLVW

,GHDO IRU UDFLQJ DQG WUDLQLQJ WKLV SRZHUEDFN VZLPVXLW RIIHUV WRWDO IUHHGRP RI PRYHPHQW DOORZLQJ \RX WR IRFXV RQ \RXU SHUIRUPDQFH ZLWKRXW IHHOLQJ UHVWULFWHG )HDWXULQJ YLEUDQW FRORXU GHWDLOLQJ DQG (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV VSRUW\ VZLPVXLW IHDWXUHV D SRS RI FRQWUDVWLQJ VWUDS FRORXU DQG KDV EHHQ GHVLJQHG WR ILW OLNH QHZ IRU ORQJHU WKDQNV WR RXU H[FOXVLYH (QGXUDQFHp IDEULF WHFKQRORJ\ ,GHDO IRU OHLVXUH VZLPPLQJ KROLGD\V DQG VSD WULSV WKLV VZLPVXLW LV TXLFN GU\LQJ FRPIRUWDEOH DQG VRIW DOORZLQJ \RX WR VZLP LQ FRPIRUW

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

6SRUWV /RJR 0HGDOLVW % 1DY\ :KLWH

6SRUWV /RJR 0HGDOLVW % %ODFN 0DQJR

1DY\ :KLWH

%ODFN 0DQJR

6SRUWV /RJR 0HGDOLVW 1HZ

6SRUWV /RJR 0HGDOLVW 1HZ

7KLV VSRUW\ VZLPVXLW IHDWXUHV D SRS RI FRQWUDVWLQJ VWUDS FRORXU DQG KDV EHHQ GHVLJQHG WR ILW OLNH QHZ IRU ORQJHU WKDQNV WR RXU H[FOXVLYH (QGXUDQFHp IDEULF WHFKQRORJ\ ,GHDO IRU OHLVXUH VZLPPLQJ KROLGD\V DQG VSD WULSV WKLV VZLPVXLW LV TXLFN GU\LQJ FRPIRUWDEOH DQG VRIW DOORZLQJ \RX WR VZLP LQ FRPIRUW

7KLV VSRUW\ VZLPVXLW IHDWXUHV D SRS RI FRQWUDVWLQJ VWUDS FRORXU DQG KDV EHHQ GHVLJQHG WR ILW OLNH QHZ IRU ORQJHU WKDQNV WR RXU H[FOXVLYH (QGXUDQFHp IDEULF WHFKQRORJ\ ,GHDO IRU OHLVXUH VZLPPLQJ KROLGD\V DQG VSD WULSV WKLV VZLPVXLW LV TXLFN GU\LQJ FRPIRUWDEOH DQG VRIW DOORZLQJ \RX WR VZLP LQ FRPIRUW

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

(VVHQWLDO (QGXUDQFH 0HGDOLVW 6SHHGR 1DY\

(VVHQWLDO (QGXUDQFH 0HGDOLVW %ODFN

6SHHGR 1DY\

%ODFN

(VVHQWLDO (QGXUDQFH 0HGDOLVW

(VVHQWLDO (QGXUDQFH 0HGDOLVW

,GHDO IRU VZLP VHVVLRQV FOXE VZLPPLQJ DQG D SHUIHFW FKRLFH IRU WHDP NLW WKLV VZLPVXLW LV TXLFN GU\LQJ VRIW DQG VWUHWFK\ 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

,GHDO IRU VZLP VHVVLRQV FOXE VZLPPLQJ DQG D SHUIHFW FKRLFH IRU WHDP NLW WKLV VZLPVXLW LV TXLFN GU\LQJ VRIW DQG VWUHWFK\ 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

(VVHQWLDO (QGXUDQFH 0HGDOLVW 1HRQ %OXH

(VVHQWLDO (QGXUDQFH 0HGDOLVW )(' 5HG

1HRQ %OXH

)(' 5HG

(VVHQWLDO (QGXUDQFH 0HGDOLVW

(VVHQWLDO (QGXUDQFH 0HGDOLVW

,GHDO IRU VZLP VHVVLRQV FOXE VZLPPLQJ DQG D SHUIHFW FKRLFH IRU WHDP NLW WKLV VZLPVXLW LV TXLFN GU\LQJ VRIW DQG VWUHWFK\ 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

,GHDO IRU VZLP VHVVLRQV FOXE VZLPPLQJ DQG D SHUIHFW FKRLFH IRU WHDP NLW WKLV VZLPVXLW LV TXLFN GU\LQJ VRIW DQG VWUHWFK\ 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6SOLFH 7KLQVWUDS 5DFHUEDFN % %ODFN (OHFWULF 3LQN /DYD 5HG

6SOLFH 7KLQVWUDS 5DFHUEDFN % 1DY\ 2UFKLG -DGH

%ODFN (OHFWULF 3LQN

1DY\ 2UFKLG

6SOLFH 7KLQVWUDS 5DFHUEDFN 1HZ

6SOLFH 7KLQVWUDS 5DFHUEDFN 1HZ

7KLV VZLPVXLW IHDWXUHV VW\OLVK FRQWUDVWLQJ VWUDSV DQG D SRS RI SULQW ZKLOVW LWV WKLQ VWUDSV DQG UDFHUEDFN HQVXUH PD[LPXP IUHHGRP RI PRYHPHQW LQ WKH SRRO 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV VZLPVXLW IHDWXUHV VW\OLVK FRQWUDVWLQJ VWUDSV DQG D SRS RI SULQW ZKLOVW LWV WKLQ VWUDSV DQG UDFHUEDFN HQVXUH PD[LPXP IUHHGRP RI PRYHPHQW LQ WKH SRRO 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ ,FRQLF 5DFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV LQFUHDVHG EDFN FRYHUDJH ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ ,FRQLF 5DFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV LQFUHDVHG EDFN FRYHUDJH ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

(VVHQWLDO &OLSEDFN %ODFN

(VVHQWLDO &OLSEDFN % 1DY\ -DGH

%ODFN

1DY\ -DGH

(VVHQWLDO &OLSEDFN 1HZ

(VVHQWLDO &OLSEDFN 1HZ

6W\OLVK DQG IODWWHULQJ WKLV VXLW LQFOXGHV DQ DWWUDFWLYH 9 QHFNOLQH EXVW VXSSRUW DQG VRIW FRPIRUWDEOH IDEULF 'HVLJQHG WR ILW OLNH QHZ IRU ORQJHU WKDQNV WR RXU H[FOXVLYH (QGXUDQFHp IDEULF WKLV VXLW LV D JUHDW FKRLFH IRU VSD GD\V KROLGD\V DQG WULSV WR WKH SRRO

6W\OLVK DQG IODWWHULQJ WKLV VXLW LQFOXGHV DQ DWWUDFWLYH 9 QHFNOLQH EXVW VXSSRUW DQG VRIW FRPIRUWDEOH IDEULF 'HVLJQHG WR ILW OLNH QHZ IRU ORQJHU WKDQNV WR RXU H[FOXVLYH (QGXUDQFHp IDEULF WKLV VXLW LV D JUHDW FKRLFH IRU VSD GD\V KROLGD\V DQG WULSV WR WKH SRRO

)HDWXUHV ଀ %XVW VXSSRUW IRU H[WUD FRPIRUW DQG FRQILGHQFH ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ %XVW VXSSRUW IRU H[WUD FRPIRUW DQG FRQILGHQFH ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/RZ (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/RZ (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

(VVHQWLDO (QGXUDQFH /HJVXLW %ODFN %ODFN

(VVHQWLDO (QGXUDQFH /HJVXLW 7KLV FODVVLF OHJVXLW LV LGHDO IRU SURYLGLQJ H[WUD FRYHUDJH DQG LQFOXGHV EXVW VXSSRUW IRU HQKDQFHG FRPIRUW PDNLQJ LW D JUHDW FKRLFH ZKHWKHU \RX UH WDNLQJ D GLS RU D VZLP ILWQHVV FODVV 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ %XVW VXSSRUW IRU H[WUD FRPIRUW DQG FRQILGHQFH ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/HJVXLW (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

MENS FASTSKIN SUITS The Fastskin collection aims to offer a range of racing suits that not only works with your body shape but also meets your personal swimwear preferences.

LZR RACER X JAMMER

LZR RACER ELITE 2 JAMMER

OPEN WATER BODYSKIN

Compression

Compression

Compression

Technology

Technology

Technology

Both LZR Racer X and LZR Racer Elite 2 are available in 2 waist heights. Swimmers with a long torso will benefit from the high waist jammer. The extra 3cm of coverage helps to support a better body position. Breaststrokers are likely to prefer low waist jammer as it provides more hip flexibility.

LZR RACER X Speedo’s latest innovation and most premium suit available. Worn by Florent Manaudou, the fastest man in the pool (current world champion in the 50m Free). Developed by swimmers for swimmers. Increased zonal compression streamlines the body while support seams hold you higher making you feel your fastest.

LZR RACER ELITE 2

OPENWATER

The LZR Racer® Elite 2 features all-over suit compression creating a streamlined shape in the water, whilst the lightweight fabric stretches four ways so the suit feels comfortable like a second skin.

The Speedo Fastskin LZR Racer 2 Openwater suit has been designed to help swimmers defeat the challenges of open water swimming. The fabric offers all-over suit compression creating a streamlined shape in the water, whilst the lightweight fabric stretches four ways so the suit feels comfortable like a second skin.

ALL OVER COMPRESSION Ultra lightweight patented fabric known as LZR Pulse+ compresses and sculpts your body into the optimal hydrodynamic shape.

ALL OVER COMPRESSION Ultra lightweight patented fabric known as LZR Pulse+ compresses and sculpts your body into the optimal hydrodynamic shape.

FULLY BONDED SEAMS Ultra sonically bonded seams reduce skin friction drag by 6% vs sewn seams.

COMFORT Anti-chafe straps are softer, flatter and feel more comfortable on the shoulders.

COMFORT Anti-chafe straps are softer, wider and feel more comfortable on the shoulders. DURABLE WATER REPELLANCE Water repelling technology that lasts 40% longer than previous suits.

FULLY BONDED SEAMS Ultra sonically bonded seams reduce skin friction drag by 6% vs sewn seams.

BODY POSITION Linked core support panels round the body , supports the lower abdominals + promote a more hydrodynamic shape and position in the water. DURABLE WATER REPELLANCE Water repelling technology that lasts 40% longer. GEL POCKETS Loops on the suit allow you to keep gel’s secure and in easy reach.

Body Positioning Swimwear At Speedo we understand how important creating the optimum body position in the water is and how that position can deliver an improved swim. That is why we have developed our most advanced body positioning swimwear range yet. We have worked with the world’s leading athletes, coaches, sports scientists and physiotherapists to help us understand the art of swimming and enable us to understand how our swimwear can help you perfect your body position.

A good swim technique is essential to help you get the most from your swim and this is helped by having a good body position

Keeping your body horizontal in the water minimizes drag and energy - your core helps you maintain the correct position

The better your body position, the more stable you will be and more able to propel yourself through the water faster

By engaging your core muscles and keeping them tight, you can help lock your body in the right position. This makes it easier to maintain a horizontal and more efficient swim position for longer

Streamline Positioning

Body Positioning Swimwear

New for

2017

Power Form Compression Dynamic compression is created through the placement of Power Form Compression contours. Placement creates high compression in some areas and lighter compression in others to improve your body position in the water.

Dynamic Core and Leg Compression Enhances muscle control and promotes better body positioning

Stability Seams Highlights key muscles to promote better positioning

“V� Cut Seams Provides added comfort and security

Body Positioning Swimwear

Power Mesh Panels Core support is created by power mesh panels and seams inspired by Fastskin LZR X. Designed using the technology and design from our elite racing suit, Fastskin LZR X.

Power Mesh Panels Support Your Core Compression Panels Support Major Leg Muscles

Core Stability

“V� Cut Seams

Compression panels encourage leg and core muscle awareness

Provides added comfort and security

Stability Seams Highlights key muscles to promote better positioning

0DOH )DVWVNLQ )DVWVNLQ /=5 5DFHU ; -DPPHU %ODFN *ROG

)DVWVNLQ /=5 5DFHU ; -DPPHU % -DGH %ODFN -DGH %ODFN

%ODFN *ROG

)DVWVNLQ /=5 5DFHU ; -DPPHU 1HZ )DVWVNLQ /=5 5DFHU ; -DPPHU )HHO XQVWRSSDEOH ZHDULQJ 6SHHGR૷V ODWHVW LQQRYDWLRQ :RUQ E\ )ORUHQW 0DQDXGRX WKH IDVWHVW PDQ LQ WKH SRRO FXUUHQW ZRUOG FKDPSLRQ LQ WKH P )UHH 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG ]RQDO FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$ )HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ 6XSSRUW VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV KDYH EHHQ VSHFLILFDOO\ SODFHG WR LPSURYH WKH OLQNDJH RI WKH ERG\૷V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ ,PSURYHG ZDLVWEDQG 0LFURILEUH DQG VLOLFRQH VWULSV JXDUDQWHH D VRIW \HW VHFXUH ZDLVWEDQG $QWL IULFWLRQ FRUG WHFKQRORJ\ HQVXUHV WKH FRUG RIIHUV HYHQ WHQVLRQ DQG UHPDLQV VHFXUH ଀ &RQVWUXFWLRQ ,PSURYHG ILQLVKHV DQG FRPSRQHQWV HQVXUH D EHWWHU ILW ZKLOH LWV XQLTXH WDSH GHVLJQ JXDUDQWHHV \RX૷OO VWDQG RXW RQ WKH EORFNV ଀ 5HJXODU ZDLVW KHLJKW 7KH UHJXODU ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU IOH[LELOLW\ DQG PD\ EH SUHIHUUHG E\ EUHDVW VWURNH DQG ,0 VZLPPHUV +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

%X\V

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGR૷V ODWHVW LQQRYDWLRQ :RUQ E\ )ORUHQW 0DQDXGRX WKH IDVWHVW PDQ LQ WKH SRRO FXUUHQW ZRUOG FKDPSLRQ LQ WKH P )UHH 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG ]RQDO FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$ )HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ 6XSSRUW VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV KDYH EHHQ VSHFLILFDOO\ SODFHG WR LPSURYH WKH OLQNDJH RI WKH ERG\૷V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ ,PSURYHG ZDLVWEDQG 0LFURILEUH DQG VLOLFRQH VWULSV JXDUDQWHH D VRIW \HW VHFXUH ZDLVWEDQG $QWL IULFWLRQ FRUG WHFKQRORJ\ HQVXUHV WKH FRUG RIIHUV HYHQ WHQVLRQ DQG UHPDLQV VHFXUH ଀ &RQVWUXFWLRQ ,PSURYHG ILQLVKHV DQG FRPSRQHQWV HQVXUH D EHWWHU ILW ZKLOH LWV XQLTXH WDSH GHVLJQ JXDUDQWHHV \RX૷OO VWDQG RXW RQ WKH EORFNV ଀ 5HJXODU ZDLVW KHLJKW 7KH UHJXODU ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU IOH[LELOLW\ DQG PD\ EH SUHIHUUHG E\ EUHDVW VWURNH DQG ,0 VZLPPHUV +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

%X\V

$YDLODEOH VL]HV

)DVWVNLQ /=5 5DFHU ; -DPPHU % /DYD 5HG %ODFN (OHFWULF 3LQN

)DVWVNLQ /=5 5DFHU ; +LJK :DLVW -DPPHU %ODFN *ROG

/DYD 5HG %ODFN

%ODFN *ROG

)DVWVNLQ /=5 5DFHU ; -DPPHU 1HZ

)DVWVNLQ /=5 5DFHU ; +LJK :DLVW -DPPHU

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ )ORUHQW 0DQDXGRX WKH IDVWHVW PDQ LQ WKH SRRO FXUUHQW ZRUOG FKDPSLRQ LQ WKH P )UHH 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG ]RQDO FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ )ORUHQW 0DQDXGRX WKH IDVWHVW PDQ LQ WKH SRRO FXUUHQW ZRUOG FKDPSLRQ LQ WKH P )UHH 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG ]RQDO FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ 6XSSRUW VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV KDYH EHHQ VSHFLILFDOO\ SODFHG WR LPSURYH WKH OLQNDJH RI WKH ERG\૷V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ ,PSURYHG ZDLVWEDQG 0LFURILEUH DQG VLOLFRQH VWULSV JXDUDQWHH D VRIW \HW VHFXUH ZDLVWEDQG $QWL IULFWLRQ FRUG WHFKQRORJ\ HQVXUHV WKH FRUG RIIHUV HYHQ WHQVLRQ DQG UHPDLQV VHFXUH ଀ &RQVWUXFWLRQ ,PSURYHG ILQLVKHV DQG FRPSRQHQWV HQVXUH D EHWWHU ILW ZKLOH LWV XQLTXH WDSH GHVLJQ JXDUDQWHHV \RX૷OO VWDQG RXW RQ WKH EORFNV ଀ 5HJXODU ZDLVW KHLJKW 7KH UHJXODU ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU IOH[LELOLW\ DQG PD\ EH SUHIHUUHG E\ EUHDVW VWURNH DQG ,0 VZLPPHUV +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ 6XSSRUW VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV KDYH EHHQ VSHFLILFDOO\ SODFHG WR LPSURYH WKH OLQNDJH RI WKH ERG\૷V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ ,PSURYHG ZDLVWEDQG 0LFURILEUH DQG VLOLFRQH VWULSV JXDUDQWHH D VRIW \HW VHFXUH ZDLVWEDQG $QWL IULFWLRQ FRUG WHFKQRORJ\ HQVXUHV WKH FRUG RIIHUV HYHQ WHQVLRQ DQG UHPDLQV VHFXUH ଀ &RQVWUXFWLRQ ,PSURYHG ILQLVKHV DQG FRPSRQHQWV HQVXUH D EHWWHU ILW ZKLOH LWV XQLTXH WDSH GHVLJQ JXDUDQWHHV \RX૷OO VWDQG RXW RQ WKH EORFNV ଀ +LJKHU ZDLVW KHLJKW 7KH KLJK ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU FRYHUDJH ZKLFK FDQ LPSURYH SHUIRUPDQFH +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

%X\V

$YDLODEOH VL]HV

)DVWVNLQ /=5 5DFHU ; +LJK :DLVW -DPPHU % -DGH %ODFN

)DVWVNLQ /=5 5DFHU ; +LJK :DLVW -DPPHU % /DYD 5HG %ODFN (OHFWULF 3LQN

-DGH %ODFN

/DYD 5HG %ODFN

)DVWVNLQ /=5 5DFHU ; +LJK :DLVW -DPPHU 1HZ

)DVWVNLQ /=5 5DFHU ; +LJK :DLVW -DPPHU 1HZ

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ )ORUHQW 0DQDXGRX WKH IDVWHVW PDQ LQ WKH SRRO FXUUHQW ZRUOG FKDPSLRQ LQ WKH P )UHH 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG ]RQDO FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ )ORUHQW 0DQDXGRX WKH IDVWHVW PDQ LQ WKH SRRO FXUUHQW ZRUOG FKDPSLRQ LQ WKH P )UHH 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG ]RQDO FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU PDNLQJ \RX IHHO \RXU IDVWHVW 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ 6XSSRUW VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV KDYH EHHQ VSHFLILFDOO\ SODFHG WR LPSURYH WKH OLQNDJH RI WKH ERG\૷V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ ,PSURYHG ZDLVWEDQG 0LFURILEUH DQG VLOLFRQH VWULSV JXDUDQWHH D VRIW \HW VHFXUH ZDLVWEDQG $QWL IULFWLRQ FRUG WHFKQRORJ\ HQVXUHV WKH FRUG RIIHUV HYHQ WHQVLRQ DQG UHPDLQV VHFXUH ଀ &RQVWUXFWLRQ ,PSURYHG ILQLVKHV DQG FRPSRQHQWV HQVXUH D EHWWHU ILW ZKLOH LWV XQLTXH WDSH GHVLJQ JXDUDQWHHV \RX૷OO VWDQG RXW RQ WKH EORFNV ଀ +LJKHU ZDLVW KHLJKW 7KH KLJK ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU FRYHUDJH ZKLFK FDQ LPSURYH SHUIRUPDQFH +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)HDWXUHV ଀ ,QFUHDVHG FRPSUHVVLRQ $ FRPELQDWLRQ RI XQLTXH IDEULFV RIIHUV KRUL]RQWDO VWUHWFK UHVLVWDQFH SURYLGLQJ LQWHQVH WDUJHWHG PXVFXODU FRPSUHVVLRQ EXW VWLOO DOORZV H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ 6XSSRUW VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV KDYH EHHQ VSHFLILFDOO\ SODFHG WR LPSURYH WKH OLQNDJH RI WKH ERG\૷V PXVFXODU NLQHWLF FKDLQ SURPRWLQJ EHWWHU ERG\ SRVLWLRQLQJ DQG LQFUHDVHG PXVFXODU DZDUHQHVV ଀ ,PSURYHG ZDLVWEDQG 0LFURILEUH DQG VLOLFRQH VWULSV JXDUDQWHH D VRIW \HW VHFXUH ZDLVWEDQG $QWL IULFWLRQ FRUG WHFKQRORJ\ HQVXUHV WKH FRUG RIIHUV HYHQ WHQVLRQ DQG UHPDLQV VHFXUH ଀ &RQVWUXFWLRQ ,PSURYHG ILQLVKHV DQG FRPSRQHQWV HQVXUH D EHWWHU ILW ZKLOH LWV XQLTXH WDSH GHVLJQ JXDUDQWHHV \RX૷OO VWDQG RXW RQ WKH EORFNV ଀ +LJKHU ZDLVW KHLJKW 7KH KLJK ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU FRYHUDJH ZKLFK FDQ LPSURYH SHUIRUPDQFH +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 &RPSUH; /=5 3XOVH/LWH 3$ ($ 3$ ($

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

)DVWVNLQ /=5 5DFHU (OLWH -DPPHU %ODFN

)DVWVNLQ /=5 5DFHU (OLWH -DPPHU % -DGH %ODFN

%ODFN

-DGH %ODFN

)DVWVNLQ /=5 5DFHU (OLWH -DPPHU

)DVWVNLQ /=5 5DFHU (OLWH -DPPHU 1HZ

7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ 5HJXODU ZDLVW KHLJKW 7KH UHJXODU ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU IOH[LELOLW\ DQG PD\ EH SUHIHUUHG E\ EUHDVW VWURNH DQG ,0 VZLPPHUV +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ 5HJXODU ZDLVW KHLJKW 7KH UHJXODU ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU IOH[LELOLW\ DQG PD\ EH SUHIHUUHG E\ EUHDVW VWURNH DQG ,0 VZLPPHUV +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

)DVWVNLQ /=5 5DFHU (OLWH -DPPHU % /DYD 5HG %ODFN (OHFWULF 3LQN

)DVWVNLQ /=5 5DFHU (OLWH +LJK :DLVWHG -DPPHU

/DYD 5HG %ODFN

%ODFN

)DVWVNLQ /=5 5DFHU (OLWH -DPPHU 1HZ

)DVWVNLQ /=5 5DFHU (OLWH +LJK :DLVWHG -DPPHU

7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ 5HJXODU ZDLVW KHLJKW 7KH UHJXODU ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU IOH[LELOLW\ DQG PD\ EH SUHIHUUHG E\ EUHDVW VWURNH DQG ,0 VZLPPHUV +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ +LJKHU ZDLVW KHLJKW 7KH KLJK ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU FRYHUDJH ZKLFK FDQ LPSURYH SHUIRUPDQFH +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

)DVWVNLQ /=5 5DFHU (OLWH +LJK :DLVWHG -DPPHU /DYD 5HG %ODFN

)DVWVNLQ /=5 5DFHU (OLWH +LJK :DLVWHG -DPPHU 1HZ 7KH /=5 5DFHUp (OLWH IHDWXUHV DOO RYHU VXLW FRPSUHVVLRQ FUHDWLQJ D VWUHDPOLQHG VKDSH LQ WKH ZDWHU ZKLOVW WKH OLJKWZHLJKW IDEULF VWUHWFKHV IRXU ZD\V VR WKH VXLW IHHOV FRPIRUWDEOH OLNH D VHFRQG VNLQ 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$ )HDWXUHV ଀ $OO RYHU FRPSUHVVLRQ 8OWUD OLJKWZHLJKW SDWHQWHG IDEULF NQRZQ DV /=5 3XOVH FRPSUHVVHV DQG VFXOSWV \RXU ERG\ LQWR WKH RSWLPDO K\GURG\QDPLF VKDSH ଀ )XOO\ ERQGHG VHDPV 8OWUD VRQLFDOO\ ERQGHG VHDPV UHGXFH VNLQ IULFWLRQ GUDJ E\ YV VHZQ VHDPV ଀ &RPIRUW $QWL FKDIH VWUDSV DUH VRIWHU ZLGHU DQG IHHO PRUH FRPIRUWDEOH RQ WKH VKRXOGHUV ଀ 'XUDEOH ZDWHU UHSHOODQFH :DWHU UHSHOOLQJ WHFKQRORJ\ WKDW ODVWV ORQJHU ଀ +LJKHU ZDLVW KHLJKW 7KH KLJK ZDLVW MDPPHU VW\OH RIIHUV JUHDWHU FRYHUDJH ZKLFK FDQ LPSURYH SHUIRUPDQFH +RZHYHU ZDLVW KHLJKW FRPHV GRZQ WR SHUVRQDO SUHIHUHQFH )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

0DOH 6SHHGR )LW 6SHHGR )LW 3RZHU )RUP -DPPHU % %ODFN 'DQXEH

6SHHGR )LW 3DQHO -DPPHU %ODFN 'DQXEH %ODFN 'DQXEH

%ODFN 'DQXEH

6SHHGR )LW 3DQHO -DPPHU 1HZ 6SHHGR )LW 3RZHU )RUP -DPPHU 1HZ )HDWXULQJ 6SHHGR V EUDQG QHZ 3RZHU )RUP &RPSUHVVLRQ WHFKQRORJ\ WKLV LQQRYDWLYH MDPPHU FDQ KHOS \RX LPSURYH \RXU ERG\ SRVLWLRQ LQ WKH ZDWHU VR \RX FDQ VZLP IDVWHU IRU ORQJHU 7KH FRPSUHVVLRQ SDQHOV HQKDQFH PXVFOH FRQWURO DQG SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ZKLOVW \RX VZLP (QJLQHHUHG IRU WUDLQLQJ WKLV MDPPHU LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 3RZHU IRUP 7HFKQRORJ\'\QDPLF &RUH &RPSUHVVLRQ SURPRWHV EHWWHU ERG\ SRVLWLRQLQJ LQ WKH ZDWHU ଀ '\QDPLF /HJ &RPSUHVVLRQ ଀ 9 &XW 6HDPV 3URYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

3DFNHG IXOO RI 6SHHGR LQQRYDWLRQ WKLV MDPPHU FDQ KHOS \RX LPSURYH \RXU ERG\ SRVLWLRQLQJ LQ WKH ZDWHU DQG VZLP IDVWHU (QJLQHHUHG IRU WUDLQLQJ WKLV VXLW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 6WDELOLW\ 6HDPV KLJKOLJKW NH\ PXVFOH JURXSV WR SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ଀ &RUH FRPSUHVVLRQ SDQHOV GUDZ DWWHQWLRQ WR \RXU FRUH HQFRXUDJLQJ \RX WR PDLQWDLQ D EHWWHU ERG\ SRVLWLRQ LQ WKH ZDWHU ଀ /LJKWZHLJKW FRPSUHVVLRQ SDQHOV SURYLGH PXVFXODU OHJ FRPSUHVVLRQ ZKLOH RIIHULQJ H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ 9 &XW 6HDPV 3URYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6SHHGR )LW 3DQHO -DPPHU % 2[LG -DGH

6SHHGR )LW 3DQHO $TXDVKRUW %ODFN 'DQXEH

2[LG -DGH

%ODFN 'DQXEH

6SHHGR )LW 3DQHO -DPPHU 1HZ

6SHHGR )LW 3DQHO $TXDVKRUW 1HZ

3DFNHG IXOO RI 6SHHGR LQQRYDWLRQ WKLV MDPPHU FDQ KHOS \RX LPSURYH \RXU ERG\ SRVLWLRQLQJ LQ WKH ZDWHU DQG VZLP IDVWHU (QJLQHHUHG IRU WUDLQLQJ WKLV VXLW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

3DFNHG IXOO RI 6SHHGR LQQRYDWLRQ WKLV DTXDVKRUW FDQ KHOS \RX LPSURYH \RXU ERG\ SRVLWLRQLQJ LQ WKH ZDWHU DQG VZLP IDVWHU (QJLQHHUHG IRU WUDLQLQJ WKLV VXLW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 6WDELOLW\ 6HDPV KLJKOLJKW NH\ PXVFOH JURXSV WR SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ଀ &RUH FRPSUHVVLRQ SDQHOV GUDZ DWWHQWLRQ WR \RXU FRUH HQFRXUDJLQJ \RX WR PDLQWDLQ D EHWWHU ERG\ SRVLWLRQ LQ WKH ZDWHU ଀ /LJKWZHLJKW FRPSUHVVLRQ SDQHOV SURYLGH PXVFXODU OHJ FRPSUHVVLRQ ZKLOH RIIHULQJ H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ 9 &XW 6HDPV 3URYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 6WDELOLW\ 6HDPV KLJKOLJKW NH\ PXVFOH JURXSV WR SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ଀ &RUH FRPSUHVVLRQ SDQHOV GUDZ DWWHQWLRQ WR \RXU FRUH HQFRXUDJLQJ \RX WR PDLQWDLQ D EHWWHU ERG\ SRVLWLRQ LQ WKH ZDWHU ଀ /LJKWZHLJKW FRPSUHVVLRQ SDQHOV SURYLGH PXVFXODU OHJ FRPSUHVVLRQ ZKLOH RIIHULQJ H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ 9 &XW 6HDPV 3URYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

6SHHGR )LW 3DQHO $TXDVKRUW % 2[LG -DGH

6SHHGR )LW 6SOLFH -DPPHU % %ODFN /DYD 5HG 'DQXEH

2[LG -DGH

%ODFN /DYD 5HG

6SHHGR )LW 3DQHO $TXDVKRUW 1HZ

6SHHGR )LW 6SOLFH -DPPHU 1HZ

3DFNHG IXOO RI 6SHHGR LQQRYDWLRQ WKLV DTXDVKRUW FDQ KHOS \RX LPSURYH \RXU ERG\ SRVLWLRQLQJ LQ WKH ZDWHU DQG VZLP IDVWHU (QJLQHHUHG IRU WUDLQLQJ WKLV VXLW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

*HW WKH PRVW IURP \RXU VZLP ZRUNRXWV 7KLV MDPPHUà«·V YLVLEOH VWDELOLW\ VHDPV KLJKOLJKW WKH NH\ PXVFOHV UHTXLUHG WR DFKLHYH D EHWWHU ERG\ SRVLWLRQ SURPSWLQJ \RX WR HQJDJH WKHP IRU D PRUH HIILFLHQW IDVWHU VZLP 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 6WDELOLW\ 6HDPV KLJKOLJKW NH\ PXVFOH JURXSV WR SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ଀ &RUH FRPSUHVVLRQ SDQHOV GUDZ DWWHQWLRQ WR \RXU FRUH HQFRXUDJLQJ \RX WR PDLQWDLQ D EHWWHU ERG\ SRVLWLRQ LQ WKH ZDWHU ଀ /LJKWZHLJKW FRPSUHVVLRQ SDQHOV SURYLGH PXVFXODU OHJ FRPSUHVVLRQ ZKLOH RIIHULQJ H[FHOOHQW IUHHGRP RI PRYHPHQW WKURXJK HYHU\ VWURNH ଀ 9 &XW 6HDPV 3URYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 6WDELOLW\ 6HDPV KLJKOLJKW NH\ PXVFOH JURXSV WR SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 9 FXW VHDPV ૱ SURYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

6SHHGR )LW 6SOLFH -DPPHU % 1DY\ -DGH $UDELDQ 1LJKW

6SHHGR )LW 6SOLFH $TXDVKRUW % %ODFN /DYD 5HG 'DQXEH

1DY\ -DGH

%ODFN /DYD 5HG

6SHHGR )LW 6SOLFH -DPPHU 1HZ

6SHHGR )LW 6SOLFH $TXDVKRUW 1HZ

*HW WKH PRVW IURP \RXU VZLP ZRUNRXWV 7KLV MDPPHUà«·V YLVLEOH VWDELOLW\ VHDPV KLJKOLJKW WKH NH\ PXVFOHV UHTXLUHG WR DFKLHYH D EHWWHU ERG\ SRVLWLRQ SURPSWLQJ \RX WR HQJDJH WKHP IRU D PRUH HIILFLHQW IDVWHU VZLP 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

*HW WKH PRVW IURP \RXU VZLP ZRUNRXWV 7KLV DTXDVKRUW KDV YLVLEOH VWDELOLW\ VHDPV ZKLFK KLJKOLJKW WKH NH\ PXVFOHV UHTXLUHG WR DFKLHYH D EHWWHU ERG\ SRVLWLRQ SURPSWLQJ \RX WR HQJDJH WKHP IRU D PRUH HIILFLHQW IDVWHU VZLP 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 6WDELOLW\ 6HDPV KLJKOLJKW NH\ PXVFOH JURXSV WR SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 9 FXW VHDPV ૱ SURYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 6WDELOLW\ 6HDPV KLJKOLJKW NH\ PXVFOH JURXSV WR SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 9 FXW VHDPV ૱ SURYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

6SHHGR )LW 6SOLFH $TXDVKRUW % 1DY\ -DGH $UDELDQ 1LJKW

6SHHGR )LW *UDSKLF -DPPHU % %ODFN /DYD 5HG

1DY\ -DGH

%ODFN /DYD 5HG

6SHHGR )LW 6SOLFH $TXDVKRUW 1HZ

6SHHGR )LW *UDSKLF -DPPHU 1HZ

*HW WKH PRVW IURP \RXU VZLP ZRUNRXWV 7KLV DTXDVKRUW KDV YLVLEOH VWDELOLW\ VHDPV ZKLFK KLJKOLJKW WKH NH\ PXVFOHV UHTXLUHG WR DFKLHYH D EHWWHU ERG\ SRVLWLRQ SURPSWLQJ \RX WR HQJDJH WKHP IRU D PRUH HIILFLHQW IDVWHU VZLP 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

*HW WKH PRVW IURP \RXU VZLP ZRUNRXWV 7KLV MDPPHU KDV YLVLEOH VWDELOLW\ VHDPV ZKLFK KLJKOLJKW WKH NH\ PXVFOHV UHTXLUHG WR DFKLHYH D EHWWHU ERG\ SRVLWLRQ SURPSWLQJ \RX WR HQJDJH WKHP IRU D PRUH HIILFLHQW IDVWHU VZLP 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 6WDELOLW\ VHDPV +LJKOLJKWV NH\ PXVFOHV WR SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 9 FXW VHDPV ૱ SURYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 6WDELOLW\ VHDPV +LJKOLJKWV NH\ PXVFOHV WR SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 9 FXW VHDPV ૱ SURYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6SHHGR )LW *UDSKLF $TXDVKRUW % %ODFN /DYD 5HG %ODFN /DYD 5HG

6SHHGR )LW *UDSKLF $TXDVKRUW 1HZ *HW WKH PRVW IURP \RXU VZLP ZRUNRXWV 7KLV DTXDVKRUW KDV YLVLEOH VWDELOLW\ VHDPV ZKLFK KLJKOLJKW WKH NH\ PXVFOHV UHTXLUHG WR DFKLHYH D EHWWHU ERG\ SRVLWLRQ SURPSWLQJ \RX WR HQJDJH WKHP IRU D PRUH HIILFLHQW IDVWHU VZLP 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 6WDELOLW\ VHDPV +LJKOLJKWV NH\ PXVFOHV WR SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 9 FXW VHDPV ૱ SURYLGH DGGHG FRPIRUW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

0DOH 0DLQOLQH 3ODFHPHQW 'LJLWDO 9 $TXDVKRUW % %ODFN /DYD 5HG 'DQXEH

3ODFHPHQW 'LJLWDO 9 -DPPHU % %ODFN /DYD 5HG 'DQXEH %ODFN /DYD 5HG

%ODFN /DYD 5HG

3ODFHPHQW 'LJLWDO 9 -DPPHU 1HZ 3ODFHPHQW 'LJLWDO 9 $TXDVKRUW 1HZ 7KLV JDOD[\ LQVSLUHG SULQW ZLOO HQVXUH \RX ZLOO VWDQG RXW RQ UDFH GD\ 7KHVH VWULNLQJ FRPSHWLWLRQ DTXDVKRUWV DUH GHVLJQHG WR SURPRWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

6WDQG RXW RQ UDFH GD\ 7KHVH VWULNLQJ FRPSHWLWLRQ MDPPHUV IHDWXUH D JDOD[\ LQVSLUHG SULQW DQG DUH GHVLJQHG WR SURPRWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ ,QWHJUDO VXSSRUW IRU HQKDQFHG FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

$OORYHU 'LJLWDO FP %ULHI % 1DY\ 'DQXEH /LJKW $GULDWLF

$OORYHU 'LJLWDO 3DQHO $TXDVKRUW % 1DY\ 'DQXEH /LJKW $GULDWLF

1DY\ 'DQXEH

1DY\ 'DQXEH

$OORYHU 'LJLWDO FP %ULHI 1HZ

$OORYHU 'LJLWDO 3DQHO $TXDVKRUW 1HZ

)HHO FRQILGHQW RQ UDFH GD\ LQ WKHVH VWULNLQJ FRPSHWLWLRQ EULHIV GHVLJQHG IRU JUHDW IUHHGRP RI PRYHPHQW )HDWXULQJ D YLEUDQW GLJLWDO SULQW WKHVH EULHIV LQFOXGH D GUDZVWULQJ ZDLVW IRU D PRUH VHFXUH ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

6WDQG RXW RQ UDFH GD\ LQ WKHVH VWULNLQJ FRPSHWLWLRQ DTXDVKRUWV )HDWXULQJ D VSOLFH RI YLEUDQW GLJLWDO SULQW WKLV VW\OH LQFOXGHV D GUDZVWULQJ ZDLVW IRU D PRUH VHFXUH ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

3ODFHPHQW $TXDVKRUW % %ODFN /DYD 5HG /LJKW $GULDWLF

3ODFHPHQW -DPPHU % %ODFN /DYD 5HG /LJKW $GULDWLF

%ODFN /DYD 5HG

%ODFN /DYD 5HG

3ODFHPHQW $TXDVKRUW 1HZ

3ODFHPHQW -DPPHU 1HZ

6WDQG RXW RQ UDFH GD\ LQ WKHVH VWULNLQJ FRPSHWLWLRQ DTXDVKRUWV )HDWXULQJ DQ H\H FDWFKLQJ SULQW WKLV VW\OH LQFOXGHV D GUDZVWULQJ ZDLVW IRU D PRUH VHFXUH ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

6WDQG RXW RQ UDFH GD\ 7KHVH VWULNLQJ FRPSHWLWLRQ MDPPHUV IHDWXUH DQ H\H FDWFKLQJ SULQW RQ RQH VLGH DQG DUH GHVLJQHG WR SURPRWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ ,QWHJUDO VXSSRUW IRU HQKDQFHG FRPIRUW ଀ FP OHJ OHQJWK ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

%RRP 6SOLFH FP %ULHI % %ODFN 'DQXEH

%RRP 6SOLFH FP %ULHI % %ODFN :KLWH

%ODFN 'DQXEH

%ODFN :KLWH

%RRP 6SOLFH FP %ULHI 1HZ

%RRP 6SOLFH FP %ULHI 1HZ

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV EULHI LV JUHDW IRU ILWQHVV WUDLQLQJ DQG LQFOXGHV D GUDZVWULQJ ZDLVW IRU HQKDQFHG FRPIRUW DQG ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV EULHI LV JUHDW IRU ILWQHVV WUDLQLQJ DQG LQFOXGHV D GUDZVWULQJ ZDLVW IRU HQKDQFHG FRPIRUW DQG ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

%RRP 6SOLFH FP %ULHI % 1DY\ -DGH

%RRP 6SOLFH FP %ULHI % %ODFN 2[LG *UH\

1DY\ -DGH

%ODFN 2[LG *UH\

%RRP 6SOLFH FP %ULHI 1HZ

%RRP 6SOLFH FP %ULHI 1HZ

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV EULHI LV JUHDW IRU ILWQHVV WUDLQLQJ DQG LQFOXGHV D GUDZVWULQJ ZDLVW IRU HQKDQFHG FRPIRUW DQG ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV EULHI LV JUHDW IRU ILWQHVV WUDLQLQJ DQG LQFOXGHV D GUDZVWULQJ ZDLVW IRU HQKDQFHG FRPIRUW DQG ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

%RRP 6SOLFH $TXDVKRUW % %ODFN 'DQXEH

%RRP 6SOLFH $TXDVKRUW % %ODFN :KLWH /DYD 5HG

%ODFN 'DQXEH

%ODFN :KLWH

%RRP 6SOLFH $TXDVKRUW 1HZ

%RRP 6SOLFH $TXDVKRUW 1HZ

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV VW\OLVK DTXDVKRUW LV JUHDW IRU ILWQHVV WUDLQLQJ DQG LQFOXGHV D GUDZVWULQJ ZDLVW IRU HQKDQFHG FRPIRUW DQG ILW 0DGH IURP FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV VW\OLVK DTXDVKRUW LV JUHDW IRU ILWQHVV WUDLQLQJ DQG LQFOXGHV D GUDZVWULQJ ZDLVW IRU HQKDQFHG FRPIRUW DQG ILW 0DGH IURP FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

%RRP 6SOLFH $TXDVKRUW % 1DY\ -DGH

%RRP 6SOLFH $TXDVKRUW % %ODFN 2[LG *UH\

1DY\ -DGH

%ODFN 2[LG *UH\

%RRP 6SOLFH $TXDVKRUW 1HZ

%RRP 6SOLFH $TXDVKRUW 1HZ

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV VW\OLVK DTXDVKRUW LV JUHDW IRU ILWQHVV WUDLQLQJ DQG LQFOXGHV D GUDZVWULQJ ZDLVW IRU HQKDQFHG FRPIRUW DQG ILW 0DGH IURP FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV VW\OLVK DTXDVKRUW LV JUHDW IRU ILWQHVV WUDLQLQJ DQG LQFOXGHV D GUDZVWULQJ ZDLVW IRU HQKDQFHG FRPIRUW DQG ILW 0DGH IURP FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

%RRP 6SOLFH -DPPHU % %ODFN 'DQXEH

%RRP 6SOLFH -DPPHU % %ODFN :KLWH /DYD 5HG

%ODFN 'DQXEH

%ODFN :KLWH

%RRP 6SOLFH -DPPHU 1HZ

%RRP 6SOLFH -DPPHU 1HZ

*UHDW IRU ILWQHVV WUDLQLQJ DQG IHDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKHVH MDPPHUV KXJ WKH FRQWRXUV RI \RXU ERG\ WR FUHDWH D VPRRWK K\GURG\QDPLF VKDSH LQ WKH ZDWHU 0DGH IURP FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

*UHDW IRU ILWQHVV WUDLQLQJ DQG IHDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKHVH MDPPHUV KXJ WKH FRQWRXUV RI \RXU ERG\ WR FUHDWH D VPRRWK K\GURG\QDPLF VKDSH LQ WKH ZDWHU 0DGH IURP FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ ,QWHJUDO VXSSRUW IRU HQKDQFHG FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ ,QWHJUDO VXSSRUW IRU HQKDQFHG FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

%RRP 6SOLFH -DPPHU % %ODFN 2[LG *UH\

/RJR 3DQHO $TXDVKRUW % %ODFN /DYD 5HG

%ODFN 2[LG *UH\

%ODFN /DYD 5HG

%RRP 6SOLFH -DPPHU 1HZ

/RJR 3DQHO $TXDVKRUW 1HZ

*UHDW IRU ILWQHVV WUDLQLQJ DQG IHDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKHVH MDPPHUV KXJ WKH FRQWRXUV RI \RXU ERG\ WR FUHDWH D VPRRWK K\GURG\QDPLF VKDSH LQ WKH ZDWHU 0DGH IURP FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

,GHDO IRU UHJXODU VZLP VHVVLRQV WKLV DTXDVKRUW RIIHUV JUHDW IUHHGRP RI PRYHPHQW DQG D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 0DGH XVLQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ ,QWHJUDO VXSSRUW IRU HQKDQFHG FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

/RJR 3DQHO $TXDVKRUW % 1DY\ 'DQXEH

3ODFHPHQW &XUYH 3DQHO $TXDVKRUW % 1DY\ *UHHQ *ORZ :KLWH

1DY\ 'DQXEH

1DY\ *UHHQ *ORZ

/RJR 3DQHO $TXDVKRUW 1HZ

3ODFHPHQW &XUYH 3DQHO $TXDVKRUW 1HZ

,GHDO IRU UHJXODU VZLP VHVVLRQV WKLV DTXDVKRUW RIIHUV JUHDW IUHHGRP RI PRYHPHQW DQG D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 0DGH XVLQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

,GHDO IRU UHJXODU VZLP VHVVLRQV DQG UDFLQJ WKLV DTXDVKRUW LQFOXGHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW DQG D G\QDPLF SULQW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

3ODFHPHQW &XUYH 3DQHO -DPPHU % 1DY\ *UHHQ *ORZ :KLWH

3ODFHPHQW FP %ULHI % %ODFN /DYD 5HG 0DQJR

1DY\ *UHHQ *ORZ

%ODFN /DYD 5HG

3ODFHPHQW &XUYH 3DQHO -DPPHU 1HZ

3ODFHPHQW FP %ULHI 1HZ

,GHDO IRU UHJXODU VZLP VHVVLRQV DQG UDFLQJ WKLV VOHHN MDPPHU LQFOXGHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW DQG D G\QDPLF SULQW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

,GHDO IRU UHJXODU VZLP VHVVLRQV DQG UDFLQJ WKLV EULHI LQFOXGHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW DQG D YLEUDQW SULQW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ ,QWHJUDO VXSSRUW IRU HQKDQFHG FRPIRUW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

3ODFHPHQW 3DQHO $TXDVKRUW % %ODFN /DYD 5HG 0DQJR

3ODFHPHQW 3DQHO -DPPHU % %ODFN /DYD 5HG 0DQJR

%ODFN /DYD 5HG

%ODFN /DYD 5HG

3ODFHPHQW 3DQHO $TXDVKRUW 1HZ

3ODFHPHQW 3DQHO -DPPHU 1HZ

,GHDO IRU UHJXODU VZLP VHVVLRQV DQG UDFLQJ WKLV DTXDVKRUW LQFOXGHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW DQG D YLEUDQW SULQW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

,GHDO IRU UHJXODU VZLP VHVVLRQV DQG UDFLQJ WKLV VOHHN MDPPHU LQFOXGHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW DQG D YLEUDQW SULQW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

6SRUWV /RJR $TXDVKRUW $ %ODFN 86$ &KDUFRDO

6SRUWV /RJR $TXDVKRUW % 1DY\ *UHHQ *ORZ

%ODFN 86$ &KDUFRDO

1DY\ *UHHQ *ORZ

6SRUWV /RJR $TXDVKRUW

6SRUWV /RJR $TXDVKRUW 1HZ

,GHDO IRU UHJXODU VZLP VHVVLRQV WKLV DTXDVKRUW RIIHUV JUHDW IUHHGRP RI PRYHPHQW DQG D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 7KH VSRUW\ GHVLJQ LQFOXGHV D FKDUFRDO 6SHHGR ORJR 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

,GHDO IRU UHJXODU VZLP VHVVLRQV WKLV DTXDVKRUW RIIHUV JUHDW IUHHGRP RI PRYHPHQW DQG D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 7KH VSRUW\ GHVLJQ LQFOXGHV D JUHHQ 6SHHGR ORJR 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6SRUWV /RJR $TXDVKRUW % %ODFN :KLWH

6SRUWV /RJR $TXDVKRUW % %ODFN 0DQJR

%ODFN :KLWH

%ODFN 0DQJR

6SRUWV /RJR $TXDVKRUW 1HZ

6SRUWV /RJR $TXDVKRUW 1HZ

,GHDO IRU UHJXODU VZLP VHVVLRQV WKLV DTXDVKRUW RIIHUV JUHDW IUHHGRP RI PRYHPHQW DQG D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 7KH VSRUW\ GHVLJQ LQFOXGHV D ZKLWH 6SHHGR ORJR 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

,GHDO IRU UHJXODU VZLP VHVVLRQV WKLV DTXDVKRUW RIIHUV JUHDW IUHHGRP RI PRYHPHQW DQG D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 7KH VSRUW\ GHVLJQ LQFOXGHV DQ RUDQJH 6SHHGR ORJR 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

6SRUWV /RJR -DPPHU $ %ODFN 86$ &KDUFRDO

6SRUWV /RJR -DPPHU % 1DY\ *UHHQ *ORZ

%ODFN 86$ &KDUFRDO

1DY\ *UHHQ *ORZ

6SRUWV /RJR -DPPHU

6SRUWV /RJR -DPPHU 1HZ

*UHDW IRU UHJXODU VZLP VHVVLRQV DQG UDFLQJ WKLV VOHHN MDPPHU LQFOXGHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 7KH VSRUW\ GHVLJQ LQFOXGHV D FKDUFRDO 6SHHGR ORJR 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

*UHDW IRU UHJXODU VZLP VHVVLRQV DQG UDFLQJ WKLV VOHHN MDPPHU LQFOXGHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 7KH VSRUW\ GHVLJQ LQFOXGHV D JUHHQ 6SHHGR ORJR 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ ,QWHJUDO VXSSRUW IRU HQKDQFHG FRPIRUW ଀ FP OHJ OHQJWK ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ ,QWHJUDO VXSSRUW IRU HQKDQFHG FRPIRUW ଀ FP OHJ OHQJWK ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

(VVHQWLDO (QGXUDQFH FP 6SRUWVEULHI %ODFN

(VVHQWLDO (QGXUDQFH FP 6SRUWVEULHI 6SHHGR 1DY\

%ODFN

6SHHGR 1DY\

(VVHQWLDO (QGXUDQFH FP 6SRUWVEULHI

(VVHQWLDO (QGXUDQFH FP 6SRUWVEULHI

7KLV FODVVLF EODFN EULHI RIIHUV FRPSOHWH IUHHGRP RI PRYHPHQW FRPIRUW DQG D VHFXUH ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

7KLV FODVVLF QDY\ EULHI RIIHUV FRPSOHWH IUHHGRP RI PRYHPHQW FRPIRUW DQG D VHFXUH ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

(VVHQWLDO (QGXUDQFH FP 6SRUWVEULHI 1HRQ %OXH

(VVHQWLDO &ODVVLF $TXDVKRUW %ODFN

1HRQ %OXH

%ODFN

(VVHQWLDO (QGXUDQFH FP 6SRUWVEULHI

(VVHQWLDO &ODVVLF $TXDVKRUW

7KLV FODVVLF EOXH EULHI RIIHUV FRPSOHWH IUHHGRP RI PRYHPHQW FRPIRUW DQG D VHFXUH ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

7KLV FODVVLF EODFN DTXDVKRUW RIIHUV FRPIRUW DQG D VHFXUH ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

(VVHQWLDO 6SOLFH $TXDVKRUW % 1DY\ *UHHQ *ORZ

(VVHQWLDO 6SOLFH $TXDVKRUW % %ODFN /DYD 5HG

1DY\ *UHHQ *ORZ

%ODFN /DYD 5HG

(VVHQWLDO 6SOLFH $TXDVKRUW 1HZ

(VVHQWLDO 6SOLFH $TXDVKRUW 1HZ

7KLV VSRUW\ QDY\ DTXDVKRUW RIIHUV FRPIRUW DQG D VHFXUH ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

7KLV VSRUW\ EODFN DQG ODYD UHG DTXDVKRUW RIIHUV FRPIRUW DQG D VHFXUH ILW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

(VVHQWLDO (QGXUDQFH -DPPHU %ODFN

9DOPLOWRQ $TXDVKRUW % 1DY\ 'DQXEH /DYD 5HG

%ODFN

1DY\ 'DQXEH

(VVHQWLDO (QGXUDQFH -DPPHU

9DOPLOWRQ $TXDVKRUW 1HZ

7KLV WLPHOHVV VLPSOH GHVLJQ LV JUHDW IRU WUDLQLQJ DQG ILWQHVV 7KH\ FRPIRUWDEO\ KXJ WKH FRQWRXUV RI \RXU ERG\ WR FUHDWH D VPRRWK K\GURG\QDPLF VKDSH LQ WKH ZDWHU 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV VW\OLVK FKHFNHG DTXDVKRUW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ ,QWHJUDO VXSSRUW IRU HQKDQFHG FRPIRUW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

9DOPLOWRQ $TXDVKRUW % 2[LG *UH\ -DGH $UDELDQ 1LJKW

9DOPLOWRQ $TXDVKRUW % 1DY\ 'DQXEH

2[LG *UH\ -DGH

1DY\ 'DQXEH

9DOPLOWRQ $TXDVKRUW 1HZ

9DOPLOWRQ $TXDVKRUW 1HZ

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV VW\OLVK FKHFNHG DTXDVKRUW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV VW\OLVK SULQWHG DTXDVKRUW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

9DOPLOWRQ $TXDVKRUW % %ODFN 2[LG *UH\

9DOPLOWRQ $TXDVKRUW 1DY\ :KLWH

%ODFN 2[LG *UH\

1DY\ :KLWH

9DOPLOWRQ $TXDVKRUW 1HZ

9DOPLOWRQ $TXDVKRUW 1HZ

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV VW\OLVK SULQWHG DTXDVKRUW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV DTXDVKRUW IHDWXUHV D FRQWUDVWLQJ ZDLVWEDQG DQG LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

9DOPLOWRQ $TXDVKRUW % 'DQXEH 0DQJR

(VVHQWLDO /RJR FP %ULHI 1DY\ :KLWH

'DQXEH 0DQJR

1DY\ :KLWH

9DOPLOWRQ $TXDVKRUW 1HZ

(VVHQWLDO /RJR FP %ULHI 1HZ

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV DTXDVKRUW IHDWXUHV D FRQWUDVWLQJ ZDLVWEDQG DQG LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV EULHI LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU )HDWXULQJ D FRQWUDVWLQJ ZDLVWEDQG DQG 6SHHGR ORJR RQ WKH EDFN

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

(VVHQWLDO /RJR FP %ULHI $ %ODFN -DGH

(VVHQWLDO /RJR FP %ULHI % /DYD 5HG 1DY\

%ODFN -DGH

/DYD 5HG 1DY\

(VVHQWLDO /RJR FP %ULHI 1HZ

(VVHQWLDO /RJR FP %ULHI 1HZ

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV EULHI LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU )HDWXULQJ D FRQWUDVWLQJ ZDLVWEDQG DQG 6SHHGR ORJR RQ WKH EDFN

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV EULHI LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU )HDWXULQJ D FRQWUDVWLQJ ZDLVWEDQG DQG 6SHHGR ORJR RQ WKH EDFN

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

(VVHQWLDO 3ULQWHG FP %ULHI % %ODFN 2[LG *UH\

(VVHQWLDO +RXVWRQ $TXDVKRUW %ODFN

%ODFN 2[LG *UH\

%ODFN

(VVHQWLDO 3ULQWHG FP %ULHI 1HZ

(VVHQWLDO +RXVWRQ $TXDVKRUW

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV VW\OLVK EULHI LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

9HUVDWLOH HQRXJK WR WDNH \RX IURP ILWQHVV WUDLQLQJ LQ WKH SRRO WR KROLGD\V RQ WKH EHDFK WKLV FODVVLF EODFN DTXDVKRUW LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH TXLFN GU\LQJ VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

Watershorts 3DFNHG IXOO RI JUHDW WHFKQRORJ\ versatile and stylish; our watershorts DUH SHUIHFW IRU SRRO EHDFK DQG holiday wear. Pocket drainage Thanks to their clever pocket drainage system, our watershorts won’t waterlog, ďŹ ll with sand or become heavily weighed down Comfort $ YDULHW\ RI OHJ OHQJWKV DQG UDQJH RI ZDLVW EDQGV HQVXUH D FRPIRUWDEOH DQG HDV\ ÂŤ W Water repellent “Water-loggingâ€? is prevented, meaning our watershorts will stay light and easy to move in Fabric 2XU VRIW OLJKWZHLJKW IDEULFV DUH GXUDEOH ZLWK strengthened seams, meaning they can withstand beach and pool activities. Quick drying )RU VXSHUE FRPIRUW RXU ZDWHUVKRUWV GU\ quickly Stylish 7KH RULJLQDO ZDWHUVKRUWV VLQFH RXU range includes remixed classics and eyecatching new prints.

0DOH :DWHUVKRUWV %RRP <RNH 6SOLFH :DWHUVKRUW % %ODFN 'DQXEH

%RRP <RNH 6SOLFH :DWHUVKRUW % 1DY\ -DGH 1DY\ -DGH

%ODFN 'DQXEH

%RRP <RNH 6SOLFH :DWHUVKRUW 1HZ %RRP <RNH 6SOLFH :DWHUVKRUW 1HZ )HDWXULQJ D VSOLFH RI 6SHHGRà«·V QHZ VLJQDWXUH SULQW %RRP WKHVH VZLP VKRUWV KDYH D VSRUW\ IHHO WKDW V SHUIHFW IRU WKH EHDFK DQG SRRO 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW )HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

)HDWXULQJ D VSOLFH RI 6SHHGRà«·V QHZ VLJQDWXUH SULQW %RRP WKHVH VZLP VKRUWV KDYH D VSRUW\ IHHO WKDW V SHUIHFW IRU WKH EHDFK DQG SRRO 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW )HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

6SRUW 6SOLFH :DWHUVKRUW % 2[LG *UH\ 'DQXEH :KLWH

6SRUW 6SOLFH :DWHUVKRUW % %ODFN 2[LG *UH\ :KLWH

2[LG *UH\ 'DQXEH

%ODFN 2[LG *UH\

6SRUW 6SOLFH :DWHUVKRUW 1HZ

6SRUW 6SOLFH :DWHUVKRUW

7KHVH VZLP VKRUWV KDYH D VSRUW\ DQG VW\OLVK ORRN 7KH\ DUH GHWDLOHG ZLWK 6SHHGR EUDQGLQJ DORQJ WKH VLGHV DQG DUH TXLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

7KHVH VZLP VKRUWV KDYH D VSRUW\ DQG VW\OLVK ORRN 7KH\ DUH GHWDLOHG ZLWK 6SHHGR EUDQGLQJ DORQJ WKH VLGHV DQG DUH TXLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

&RORXU %ORFN :DWHUVKRUW % 1DY\ /DYD 5HG

9LQWDJH 3ULQWHG :DWHUVKRUW % 1DY\ :KLWH

1DY\ /DYD 5HG

1DY\ :KLWH

&RORXU %ORFN :DWHUVKRUW 1HZ

9LQWDJH 3ULQWHG :DWHUVKRUW 1HZ

7KHVH VZLP VKRUWV IHDWXUH FRQWUDVWLQJ KHPV WR FUHDWH D VW\OLVK WZLVW RQ D FODVVLF GHVLJQ 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW 7KLV YHUVDWLOH VW\OH LV JUHDW IRU SRRO EHDFK DQG KROLGD\ ZHDU

6W\OLVKO\ SULQWHG ZLWK ODUJH OHDYHV WKHVH QDY\ DQG ZKLWH VZLP VKRUWV KDYH D YLQWDJH YLEH 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW 7KLV YHUVDWLOH VW\OH LV JUHDW IRU SRRO EHDFK DQG KROLGD\ ZHDU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ )ODW IURQW ZDLVWEDQG ZLWK FRQFHDOHG SRSSHU DQG ]LS IO\ IDVWHQLQJ HODVWLFDWHG EDFN ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

9LQWDJH 3ULQWHG :DWHUVKRUW % 'DQXEH :KLWH

9LQWDJH &RQWUDVW :DWHUVKRUW % /DYD 5HG 'DQXEH

'DQXEH :KLWH

/DYD 5HG 'DQXEH

9LQWDJH 3ULQWHG :DWHUVKRUW 1HZ

9LQWDJH &RQWUDVW :DWHUVKRUW 1HZ

6W\OLVKO\ SULQWHG ZLWK ODUJH OHDYHV WKHVH GDQXEH EOXH DQG ZKLWH VZLP VKRUWV KDYH D YLQWDJH YLEH 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW 7KLV YHUVDWLOH VW\OH LV JUHDW IRU SRRO EHDFK DQG KROLGD\ ZHDU

7KHVH SUDFWLFDO VZLP VKRUWV IHDWXUH D VW\OLVK FRQWUDVWLQJ ZDLVWEDQG PDNLQJ WKHP D JUHDW FKRLFH IRU WKH SRRO RU EHDFK 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ )ODW IURQW ZDLVWEDQG ZLWK FRQFHDOHG SRSSHU DQG ]LS IO\ IDVWHQLQJ HODVWLFDWHG EDFN ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HDWXUHV ଀ )ODW IURQW ZDLVWEDQG ZLWK FRQFHDOHG YHOFUR DQG ]LS IO\ IDVWHQLQJ HODVWLFDWHG EDFN ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

9LQWDJH &RQWUDVW :DWHUVKRUW % 'DQXEH -DGH

9LQWDJH 3ULQWHG :DWHUVKRUW % 2[LG *UH\ -DGH

'DQXEH -DGH

2[LG *UH\ -DGH

9LQWDJH &RQWUDVW :DWHUVKRUW 1HZ

9LQWDJH 3ULQWHG :DWHUVKRUW 1HZ

7KHVH SUDFWLFDO VZLP VKRUWV IHDWXUH D VW\OLVK FRQWUDVWLQJ ZDLVWEDQG PDNLQJ WKHP D JUHDW FKRLFH IRU WKH SRRO RU EHDFK 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

3DWWHUQHG ZLWK D JHRPHWULF LQVSLUHG SULQW WKHVH VZLP VKRUWV ZLOO DGG VRPH VW\OH WR \RXU VZLP 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW 7KLV YHUVDWLOH VW\OH LV JUHDW IRU SRRO EHDFK DQG KROLGD\ ZHDU

)HDWXUHV ଀ )ODW IURQW ZDLVWEDQG ZLWK FRQFHDOHG YHOFUR DQG ]LS IO\ IDVWHQLQJ HODVWLFDWHG EDFN ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

9LQWDJH 3ULQWHG :DWHUVKRUW % 1DY\ 0DQJR

3ULQWHG /HLVXUH :DWHUVKRUW % %ODFN /DYD 5HG 0DQJR

1DY\ 0DQJR

%ODFN /DYD 5HG

9LQWDJH 3ULQWHG :DWHUVKRUW 1HZ

3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

3DWWHUQHG ZLWK D JHRPHWULF LQVSLUHG SULQW WKHVH VZLP VKRUWV ZLOO DGG VRPH VW\OH WR \RXU VZLP 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW 7KLV YHUVDWLOH VW\OH LV JUHDW IRU SRRO EHDFK DQG KROLGD\ ZHDU

7KHVH EODFN DQG ODYD UHG VZLP VKRUWV FHOHEUDWH WKH WURSLFV ZLWK D YLEUDQW SULQW ZKLFK LV SHUIHFW IRU SRRO EHDFK DQG KROLGD\ ZHDU 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

3ULQWHG /HLVXUH :DWHUVKRUW % %ODFN $UDELDQ 1LJKW :KLWH

3ULQWHG /HLVXUH :DWHUVKRUW % 1DY\ :KLWH

%ODFN $UDELDQ 1LJKW

1DY\ :KLWH

3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

7KHVH VZLP VKRUWV FHOHEUDWH WKH WURSLFV LQ WKH WZLOLJKW ZLWK D YLEUDQW SULQW ZKLFK LV SHUIHFW IRU SRRO EHDFK DQG KROLGD\ ZHDU 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXULQJ D FODVVLF QDY\ DQG ZKLWH VWULSHG SULQW DQG D FRPIRUWDEOH GUDZVWULQJ ZDLVW WKHVH VZLP VKRUWV DUH SHUIHFW IRU SRRO EHDFK DQG KROLGD\ ZHDU 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

3ULQWHG /HLVXUH :DWHUVKRUW % -DGH :KLWH

3ULQWHG &KHFN /HLVXUH :DWHUVKRUW % %ODFN $UDELDQ 1LJKW -DGH

-DGH :KLWH

%ODFN $UDELDQ 1LJKW

3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

3ULQWHG &KHFN /HLVXUH :DWHUVKRUW 1HZ

)HDWXULQJ D MDGH DQG ZKLWH VWULSHG SULQW DQG D FRPIRUWDEOH GUDZVWULQJ ZDLVW WKHVH VZLP VKRUWV DUH SHUIHFW IRU SRRO EHDFK DQG KROLGD\ ZHDU 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

7KHVH VZLP VKRUWV IHDWXUH D VW\OLVK FKHFN GHVLJQ PDNLQJ WKHP D JUHDW FKRLFH IRU SRRO EHDFK DQG KROLGD\ ZHDU 7KLV EODFN DQG EOXH SDLU KDV D GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

<' &KHFN /HLVXUH :DWHUVKRUW % %ODFN 2[LG *UH\ 1DY\

<' &KHFN /HLVXUH :DWHUVKRUW % $UDELDQ 1LJKW %ODFN 2[LG *UH\

%ODFN 2[LG *UH\

$UDELDQ 1LJKW %ODFN

<' &KHFN /HLVXUH :DWHUVKRUW 1HZ

<' &KHFN /HLVXUH :DWHUVKRUW 1HZ

7KHVH VW\OLVK VZLP VKRUWV RIIHU D PRGHUQ WZLVW RQ D WUDGLWLRQDO FKHFN GHVLJQ 4XLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW 3HUIHFW IRU SRRO EHDFK DQG KROLGD\ ZHDU

7KHVH VW\OLVK VZLP VKRUWV RIIHU D PRGHUQ WZLVW RQ D WUDGLWLRQDO FKHFN GHVLJQ 4XLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW 3HUIHFW IRU SRRO EHDFK DQG KROLGD\ ZHDU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU [ <DUQ '\HG 3ODLQ :HDYH 3RO\HVWHU ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU [ <DUQ '\HG 3ODLQ :HDYH 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

<' &KHFN /HLVXUH :DWHUVKRUW % 2[LG *UH\ $UDELDQ 1LJKW -DGH

<' &KHFN /HLVXUH :DWHUVKRUW % 1DY\ /DYD 5HG 'DQXEH

2[LG *UH\ $UDELDQ 1LJKW

1DY\ /DYD 5HG

<' &KHFN /HLVXUH :DWHUVKRUW 1HZ

<' &KHFN /HLVXUH :DWHUVKRUW 1HZ

7KHVH VZLP VKRUWV IHDWXUH D VW\OLVK FKHFN GHVLJQ PDNLQJ WKHP D JUHDW FKRLFH IRU SRRO EHDFK DQG KROLGD\ ZHDU 7KLV MDGH DQG JUH\ SDLU KDV D GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

7KHVH VZLP VKRUWV IHDWXUH D VW\OLVK FKHFN GHVLJQ PDNLQJ WKHP D JUHDW FKRLFH IRU SRRO EHDFK DQG KROLGD\ ZHDU 7KLV QDY\ DQG ODYD UHG SDLU KDV D GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU [ <DUQ '\HG 3ODLQ :HDYH 3RO\HVWHU ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU [ <DUQ '\HG 3ODLQ :HDYH 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

&KHFN 7ULP /HLVXUH :DWHUVKRUW % %ODFN

&KHFN 7ULP /HLVXUH :DWHUVKRUW % 1DY\

%ODFN

1DY\

&KHFN 7ULP /HLVXUH :DWHUVKRUW 1HZ

&KHFN 7ULP /HLVXUH :DWHUVKRUW 1HZ

7KHVH VW\OLVK VZLP VKRUWV KDYH D FKHFNHG ZDLVWEDQG WR DGG D PRGHUQ WZLVW WR D FODVVLF GHVLJQ 4XLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

7KHVH VW\OLVK VZLP VKRUWV KDYH D FKHFNHG ZDLVWEDQG WR DGG D PRGHUQ WZLVW WR D FODVVLF GHVLJQ 4XLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ )ODW IURQW DQG HVODVWLFDWHG EDFN ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

&KHFN 7ULP /HLVXUH :DWHUVKRUW % -DGH

&KHFN 7ULP /HLVXUH :DWHUVKRUW % /DYD 5HG

-DGH

/DYD 5HG

&KHFN 7ULP /HLVXUH :DWHUVKRUW 1HZ

&KHFN 7ULP /HLVXUH :DWHUVKRUW 1HZ

7KHVH VW\OLVK VZLP VKRUWV KDYH D FKHFNHG ZDLVWEDQG WR DGG D PRGHUQ WZLVW WR D FODVVLF GHVLJQ 4XLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

7KHVH VW\OLVK VZLP VKRUWV KDYH D FKHFNHG ZDLVWEDQG WR DGG D PRGHUQ WZLVW WR D FODVVLF GHVLJQ 4XLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ )ODW IURQW DQG HVODVWLFDWHG EDFN ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ )ODW IURQW DQG HVODVWLFDWHG EDFN ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

6FRSH :DWHUVKRUW %ODFN

6FRSH :DWHUVKRUW 6SHHGR 1DY\

%ODFN

6SHHGR 1DY\

6FRSH :DWHUVKRUW

6FRSH :DWHUVKRUW

6LPSOH DQG FODVVLF WKHVH TXLFN GU\LQJ EODFN VZLP VKRUWV IHDWXUH D KDQG\ EDFN SRFNHW DQG GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

6LPSOH DQG FODVVLF WKHVH TXLFN GU\LQJ QDY\ VZLP VKRUWV IHDWXUH D KDQG\ EDFN SRFNHW DQG GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6FRSH :DWHUVKRUW )HG 5HG

6FRSH :DWHUVKRUW % 'DQXEH

)HG 5HG

'DQXEH

6FRSH :DWHUVKRUW

6FRSH :DWHUVKRUW 1HZ

6LPSOH DQG FODVVLF WKHVH TXLFN GU\LQJ UHG VZLP VKRUWV IHDWXUH D KDQG\ EDFN SRFNHW DQG GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

6LPSOH DQG FODVVLF WKHVH TXLFN GU\LQJ EOXH VZLP VKRUWV IHDWXUH D KDQG\ EDFN SRFNHW DQG GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

6FRSH :DWHUVKRUW % 0DQJR

6FRSH :DWHUVKRUW 5DVSEHUU\ )LOO

0DQJR

5DVSEHUU\ )LOO

6FRSH :DWHUVKRUW 1HZ

6FRSH :DWHUVKRUW 1HZ

6LPSOH DQG FODVVLF WKHVH TXLFN GU\LQJ VZLP VKRUWV IHDWXUH D KDQG\ EDFN SRFNHW DQG GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

6LPSOH DQG FODVVLF WKHVH TXLFN GU\LQJ VZLP VKRUWV IHDWXUH D KDQG\ EDFN SRFNHW DQG GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6ROLG /HLVXUH :DWHUVKRUW %ODFN

6ROLG /HLVXUH :DWHUVKRUW 6SHHGR 1DY\

%ODFN

6SHHGR 1DY\

6ROLG /HLVXUH :DWHUVKRUW

6ROLG /HLVXUH :DWHUVKRUW

6LPSOH DQG FODVVLF WKHVH EODFN VZLP VKRUWV DUH TXLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

6LPSOH DQG FODVVLF WKHVH QDY\ VZLP VKRUWV DUH TXLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

6ROLG /HLVXUH :DWHUVKRUW )HG 5HG

6ROLG /HLVXUH :DWHUVKRUW $UDELDQ 1LJKW

)HG 5HG

$UDELDQ 1LJKW

6ROLG /HLVXUH :DWHUVKRUW

6ROLG /HLVXUH :DWHUVKRUW 1HZ

6LPSOH DQG FODVVLF WKHVH UHG VZLP VKRUWV DUH TXLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

6LPSOH DQG FODVVLF WKHVH EOXH VZLP VKRUWV DUH TXLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D GUDZVWULQJ ZDLVW 7KH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ FRPIRUWDEOH DQG OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

)LWWHG /HLVXUH :DWHUVKRUW % 'DQXEH

)LWWHG /HLVXUH :DWHUVKRUW % /DYD 5HG

'DQXEH

/DYD 5HG

)LWWHG /HLVXUH :DWHUVKRUW 1HZ

)LWWHG /HLVXUH :DWHUVKRUW 1HZ

)LWWHG DQG VW\OLVK WKHVH VKRUW OHQJWK VZLP VKRUWV DUH SHUIHFW IRU SRRO EHDFK DQG KROLGD\ ZHDU 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

)LWWHG DQG VW\OLVK WKHVH VKRUW OHQJWK VZLP VKRUWV DUH SHUIHFW IRU SRRO EHDFK DQG KROLGD\ ZHDU 4XLFN GU\LQJ DQG FRPIRUWDEOH WKH\ IHDWXUH ZDWHU UHSHOOHQW IDEULF DQG D FOHYHU SRFNHW GUDLQDJH V\VWHP WR HQVXUH WKH\ VWD\ OLJKWZHLJKW HYHQ ZKHQ ZHW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

Flipturns Train hard. Play hard. Get noticed in bright, eye-catching prints. Û /RQJHU ODVWLQJ IDEULF Û FKORULQH UHVLVWDQW

7HHQ 0DLQOLQH &ODVK $WWDFN 'RXEOH &URVVEDFN % -DGH *UHHQ *ORZ %ODFN

8QFOH *UDYLW\ 'RXEOH &URVVEDFN % /DYD 5HG (OHFWULF 3LQN 'HHS /DYD 5HG (OHFWULF 3LQN

-DGH *UHHQ *ORZ

8QFOH *UDYLW\ 'RXEOH &URVVEDFN 1HZ &ODVK $WWDFN 'RXEOH &URVVEDFN 1HZ 7XUQ KHDGV LQ WKLV GDULQJ VZLPVXLW ZKLFK IHDWXUHV SRSV RI FRORXU DQG D FODVKLQJ SULQW 7KH GRXEOH FURVVEDFN GHVLJQ LV ERWK VW\OLVK DQG IXQFWLRQDO DOORZLQJ IRU PD[LPXP PRYHPHQW LQ WKH ZDWHU 'HVLJQHG ZLWK D KLJK OHJ KHLJKW DQG 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ 'RXEOH FURVVEDFN GHVLJQ FRPELQHV DQ RSHQ EDFN DQG WKLQ VWUDSV IRU PD[LPXP PRYHPHQW DQG VW\OH ଀ +LJK FXW EULHI ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

+LJK (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

6WDQG RXW LQ WKLV YLEUDQW VZLPVXLW ZKLFK IHDWXUHV SRSV RI FRORXU DQG D JUDYLW\ LQVSLUHG SULQW 7KH GRXEOH FURVVEDFN GHVLJQ LV ERWK VW\OLVK DQG IXQFWLRQDO DOORZLQJ IRU PD[LPXP PRYHPHQW LQ WKH ZDWHU 'HVLJQHG ZLWK D KLJK OHJ KHLJKW DQG 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ 'RXEOH FURVVEDFN GHVLJQ FRPELQHV DQ RSHQ EDFN DQG WKLQ VWUDSV IRU PD[LPXP PRYHPHQW DQG VW\OH ଀ +LJK FXW EULHI ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

+LJK (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

&KDSSHOOH 2 /RYH 'RXEOH &URVVEDFN % (OHFWULF 3LQN 2UFKLG %ODFN

&ODVK $WWDFN 3LHFH &URVVEDFN % -DGH *UHHQ *ORZ %ODFN

(OHFWULF 3LQN 2UFKLG

-DGH *UHHQ *ORZ

&KDSSHOOH 2 /RYH 'RXEOH &URVVEDFN 1HZ

&ODVK $WWDFN 3LHFH &URVVEDFN 1HZ

,QMHFW VRPH IXQ LQWR \RXU WUDLQLQJ VHVVLRQV LQ WKLV VWULNLQJ VZLPVXLW ZKLFK IHDWXUHV SRSV RI FRORXU DQG D VHD LQVSLUHG SULQW 7KH GRXEOH FURVVEDFN GHVLJQ LV ERWK VW\OLVK DQG IXQFWLRQDO DOORZLQJ IRU PD[LPXP PRYHPHQW LQ WKH ZDWHU 'HVLJQHG ZLWK D KLJK OHJ KHLJKW DQG 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

7XUQ KHDGV LQ WKLV GDULQJ WZR SLHFH ZKLFK IHDWXUHV SRSV RI FRORXU DQG D FODVKLQJ SULQW 7KH GRXEOH FURVVEDFN GHVLJQ LV ERWK VW\OLVK DQG IXQFWLRQDO DOORZLQJ IRU PD[LPXP PRYHPHQW LQ WKH ZDWHU )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'RXEOH FURVVEDFN GHVLJQ FRPELQHV DQ RSHQ EDFN DQG WKLQ VWUDSV IRU PD[LPXP PRYHPHQW DQG VW\OH ଀ +LJK FXW EULHI ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ &URVVEDFN GHVLJQ FRPELQHV DQ RSHQ EDFN DQG WKLQ VWUDSV IRU PD[LPXP PRYHPHQW DQG VW\OH ଀ &URS 7RS DQG +LSVWHU 3DQW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

+LJK (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

8QFOH *UDYLW\ 3LHFH &URVVEDFN % /DYD 5HG (OHFWULF 3LQN 'HHS

&KDSSHOOH 2 /RYH 3LHFH &URVVEDFN % (OHFWULF 3LQN 2UFKLG %ODFN

/DYD 5HG (OHFWULF 3LQN

(OHFWULF 3LQN 2UFKLG

8QFOH *UDYLW\ 3LHFH &URVVEDFN 1HZ

&KDSSHOOH 2 /RYH 3LHFH &URVVEDFN 1HZ

6WDQG RXW LQ WKLV YLEUDQW WZR SLHFH ZKLFK IHDWXUHV SRSV RI FRORXU DQG D JUDYLW\ LQVSLUHG SULQW 7KH GRXEOH FURVVEDFN GHVLJQ LV ERWK VW\OLVK DQG IXQFWLRQDO DOORZLQJ IRU PD[LPXP PRYHPHQW LQ WKH ZDWHU )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

,QMHFW VRPH IXQ LQWR \RXU WUDLQLQJ VHVVLRQV LQ WKLV VWULNLQJ WZR SLHFH ZKLFK IHDWXUHV SRSV RI FRORXU DQG D VHD LQVSLUHG SULQW 7KH GRXEOH FURVVEDFN GHVLJQ LV ERWK VW\OLVK DQG IXQFWLRQDO DOORZLQJ IRU PD[LPXP PRYHPHQW LQ WKH ZDWHU )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ &URVVEDFN GHVLJQ FRPELQHV DQ RSHQ EDFN DQG WKLQ VWUDSV IRU PD[LPXP PRYHPHQW DQG VW\OH ଀ &URS 7RS DQG +LSVWHU 3DQW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ &URVVEDFN GHVLJQ FRPELQHV DQ RSHQ EDFN DQG WKLQ VWUDSV IRU PD[LPXP PRYHPHQW DQG VW\OH ଀ &URS 7RS DQG +LSVWHU 3DQW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

&ODVK $WWDFN FP $OORYHU %ULHI % -DGH *UHHQ *ORZ %ODFN

&ODVK $WWDFN FP $OORYHU %ULHI % -DGH *UHHQ *ORZ %ODFN

-DGH *UHHQ *ORZ

-DGH *UHHQ *ORZ

&ODVK $WWDFN FP $OORYHU %ULHI 1HZ

&ODVK $WWDFN FP $OORYHU %ULHI 1HZ

7XUQ KHDGV LQ WKLV GDULQJ EULHI ZKLFK IHDWXUHV SRSV RI FRORXU DQG D FODVKLQJ SULQW 7KH GUDZVWULQJ ZDLVW DOORZV IRU D VHFXUH ILW ZKLOVW WKH 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

7XUQ KHDGV LQ WKLV GDULQJ DTXDVKRUW ZKLFK IHDWXUHV SRSV RI FRORXU DQG D FODVKLQJ SULQW 7KH GUDZVWULQJ ZDLVW DOORZV IRU D VHFXUH ILW ZKLOVW WKH 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ FP OHJ OHQJWK ଀ 'UDZVWULQJ :DLVW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ FP OHJ OHQJWK ଀ 'UDZVWULQJ :DLVW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

&ODVK $WWDFN $OORYHU 9 -DPPHU % -DGH *UHHQ *ORZ %ODFN

8QFOH *UDYLW\ FP $OORYHU %ULHI % /DYD 5HG (OHFWULF 3LQN 'HHS

-DGH *UHHQ *ORZ

/DYD 5HG (OHFWULF 3LQN

&ODVK $WWDFN $OORYHU 9 -DPPHU 1HZ

8QFOH *UDYLW\ FP $OORYHU %ULHI 1HZ

7XUQ KHDGV LQ WKLV GDULQJ MDPPHU ZKLFK IHDWXUHV SRSV RI FRORXU DQG D FODVKLQJ SULQW 7KH GUDZVWULQJ ZDLVW DOORZV IRU D VHFXUH ILW ZKLOVW WKH 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

6WDQG RXW LQ WKLV YLEUDQW DTXDVKRUW ZKLFK IHDWXUHV SRSV RI FRORXU DQG D JUDYLW\ LQVSLUHG SULQW 7KH GUDZVWULQJ ZDLVW DOORZV IRU D VHFXUH ILW ZKLOVW WKH 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ FP OHJ OHQJWK ଀ 'UDZVWULQJ :DLVW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ FP OHJ OHQJWK ଀ 'UDZVWULQJ :DLVW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

8QFOH *UDYLW\ $OORYHU 9 -DPPHU % /DYD 5HG (OHFWULF 3LQN 'HHS

&KDSSHOOH 2 /RYH FP $OORYHU %ULHI % (OHFWULF 3LQN 2UFKLG %ODFN

/DYD 5HG (OHFWULF 3LQN

(OHFWULF 3LQN 2UFKLG

8QFOH *UDYLW\ $OORYHU 9 -DPPHU 1HZ

&KDSSHOOH 2 /RYH FP $OORYHU %ULHI 1HZ

6WDQG RXW LQ WKLV YLEUDQW MDPPHU ZKLFK IHDWXUHV SRSV RI FRORXU DQG D JUDYLW\ LQVSLUHG SULQW 7KH GUDZVWULQJ ZDLVW DOORZV IRU D VHFXUH ILW ZKLOVW WKH 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

,QMHFW VRPH IXQ LQWR \RXU WUDLQLQJ VHVVLRQV LQ WKLV VWULNLQJ DTXDVKRUW ZKLFK IHDWXUHV SRSV RI FRORXU DQG D VHD LQVSLUHG SULQW 7KH GUDZVWULQJ ZDLVW DOORZV IRU D VHFXUH ILW ZKLOVW WKH 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ FP OHJ OHQJWK ଀ 'UDZVWULQJ :DLVW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ P OHJ OHQJWK ଀ 'UDZVWULQJ :DLVW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

*LUOV )DVWVNLQ )DVWVNLQ -XQLRU /=5 5DFHU ; 2SHQEDFN .QHHVNLQ % /DYD 5HG (OHFWULF 3LQN 0DQJR

)DVWVNLQ (QGXUDQFH 2SHQEDFN .QHHVNLQ % -DGH %ODFN (OHFWULF 3LQN -DGH %ODFN

/DYD 5HG (OHFWULF 3LQN

)DVWVNLQ (QGXUDQFH 2SHQEDFN .QHHVNLQ 1HZ )DVWVNLQ -XQLRU /=5 5DFHU ; 2SHQEDFN .QHHVNLQ 1HZ 'HVLJQHG IRU \RXQJ DWKOHWHV )HHO XQVWRSSDEOH ZHDULQJ 6SHHGR૷V ODWHVW LQQRYDWLRQ 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU LQ WKH ZDWHU PDNLQJ \RX IHHO \RXU IDVWHVW )HDWXUHV ଀ 1HZ ERQGHG LQQHU FRUH OLQHU FRQVWUXFWLRQ IRU JUHDWHU VWDELOLW\ DQG LPSURYHG ERG\ SRVLWLRQ ଀ %RQGHG FRPIRUW VWUDSV IRU PRU IUHHGRP RI PRYHPHQW ଀ 6LOLFRQ JULSSHU RQ OHJ KHP IRU ERWK FRPIRUW DQG VHFXUH ILW ଀ )ODW VHDP FRQVWUXFWLRQ IROORZV WKH OLQHV RI WKH DGXOW /=5 ; VXSSRUW VHDP FRQVWUXFWLRQ HQKDQFLQJ OLQNV WR PXVFXODU NLQHWLF FKDLQ ଀ ),1$ $33529(' ଀ 'XUDEOH :DWHU 5HSHOOHQW ILQLVK WR IDEULF )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

3XOVH 3RZHU 1\ORQ (ODVWDQH

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HHO IDVWHU RQ UDFH GD\ ZLWK RXU ),1$ DSSURYHG JLUOVà«· (QGXUDQFH 2SHQEDFN .QHHVNLQ SDUW RI RXU PHGDO ZLQQLQJ )DVWVNLQ IDPLO\ %XLOW IRU FRPSHWLQJ LW KXJV WKH FRQWRXUV RI WKH ERG\ WR FUHDWH D VOHHN UDFLQJ SURILOH DQG VKDUHV WKH VDPH VHDP OLQHV DQG GHVLJQ LQVSLUDWLRQ DV RXU SLRQHHULQJ ZRPHQà«·V /=5 5DFHUp (OLWH )HDWXUHV ଀ 8QLTXH DV\PPHWULF SULQWHG OHJ DQG VWUDSV JXDUDQWHHV \RXà«·OO VWDQG RXW RQ WKH EORFNV ଀ 2SHQ EDFN VW\OH IRU JUHDW IUHHGRP RI PRYHPHQW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO ଀ ),1$ $33529(' )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

*LUOV 0DLQOLQH $VWURSRS $OORYHU 6SODVKEDFN % (OHFWULF 3LQN /LJKW $GULDWLF

6RODU 7ULEH $OORYHU 6SODVKEDFN % 1DY\ 2UFKLG /HPRQ 6RUEHW 1DY\ 2UFKLG

(OHFWULF 3LQN /LJKW $GULDWLF

6RODU 7ULEH $OORYHU 6SODVKEDFN 1HZ $VWURSRS $OORYHU 6SODVKEDFN 1HZ ,QMHFW VRPH IXQ LQWR \RXU VZLP VHVVLRQV :LWK LWV H\H FDWFKLQJ GHVLJQ DQG FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKLV VZLPVXLW LV LGHDO IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V )HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

,QMHFW VRPH IXQ LQWR \RXU VZLP VHVVLRQV :LWK LWV VWDUV DQG ORYH KHDUWV GHVLJQ DQG FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKLV VZLPVXLW LV LGHDO IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V )HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

$VWUR )L]] $OORYHU 6SODVKEDFN % /DYD 5HG (OHFWULF 3LQN %ODFN

(WKQR )XQN $OORYHU 7KLQVWUDS &URVVEDFN % 1DY\ 2UFKLG *UHHQ *ORZ

/DYD 5HG (OHFWULF 3LQN

1DY\ 2UFKLG

$VWUR )L]] $OORYHU 6SODVKEDFN 1HZ

(WKQR )XQN $OORYHU 7KLQVWUDS &URVVEDFN 1HZ

,QMHFW VRPH IXQ LQWR \RXU VZLP VHVVLRQV :LWK LWV H\H FDWFKLQJ OROOLSRS GHVLJQ DQG FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKLV VZLPVXLW LV LGHDO IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

,QMHFW VRPH IXQ LQWR \RXU VZLP VHVVLRQV :LWK LWV H\H FDWFKLQJ GHVLJQ DQG FKORULQH UHVLVWDQW (QGXUDQFHp IDEULF WKLV SUHWW\ SDVWHO VZLPVXLW LV LGHDO IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

)HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 7KLQVWUDS &URVVEDFN ૱ RIIHUV WRWDO IUHHGRP RI PRYHPHQW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

6SDFH 5RFN $OORYHU 6SODVKEDFN % -DGH *UHHQ *ORZ /HPRQ 6RUEHW

&RORXU 3RSV $OORYHU 6SODVKEDFN % (OHFWULF 3LQN /LJKW $GULDWLF

-DGH *UHHQ *ORZ

(OHFWULF 3LQN /LJKW $GULDWLF

6SDFH 5RFN $OORYHU 6SODVKEDFN 1HZ

&RORXU 3RSV $OORYHU 6SODVKEDFN 1HZ

6WDQG RXW DW WKH SRRO :LWK LWV H\H FDWFKLQJ MDGH DQG JUHHQ JORZ GHVLJQ DQG VKDSH UHWDLQLQJ (QGXUDQFHp IDEULF WKLV VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

6WDQG RXW DW WKH SRRO :LWK LWV IXQ KRW DLU EDOORRQ SULQW DQG VKDSH UHWDLQLQJ (QGXUDQFHp IDEULF WKLV VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

)HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

)HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

*% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

1X 'D]H $OORYHU 6SODVKEDFN % 2UFKLG 6RIW &RUDO :KLWH

3DWWHUQ 3RS $OORYHU 7KLQVWUDS &URVVEDFN % (OHFWULF 3LQN /DYD 5HG 0DQJR

2UFKLG 6RIW &RUDO

(OHFWULF 3LQN /DYD 5HG

1X 'D]H $OORYHU 6SODVKEDFN 1HZ

3DWWHUQ 3RS $OORYHU 7KLQVWUDS &URVVEDFN 1HZ

6WDQG RXW DW WKH SRRO :LWK LWV FXWH GHVLJQ DQG VKDSH UHWDLQLQJ (QGXUDQFHp IDEULF WKLV VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

(QMR\ \RXU VZLP LQ WKLV HOHFWULF SLQN SULQWHG VZLPVXLW ZKLFK IHDWXUHV WKLQ VWUDSV IRU PD[LPXP IUHHGRP RI PRYHPHQW 'HVLJQHG XVLQJ VKDSH UHWDLQLQJ (QGXUDQFHp IDEULF WKLV VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

)HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

)HDWXUHV ଀ 7KLQVWUDS &URVVEDFN ૱ RIIHUV WRWDO IUHHGRP RI PRYHPHQW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

2UELW *URRYH $OORYHU 7KLQVWUDS &URVVEDFN % 2UFKLG -DGH *UHHQ *ORZ

(VVHQWLDO (QGXUDQFH /HJVXLW %ODFN

2UFKLG -DGH

%ODFN

2UELW *URRYH $OORYHU 7KLQVWUDS &URVVEDFN 1HZ

(VVHQWLDO (QGXUDQFH /HJVXLW 1HZ

(QMR\ \RXU VZLP LQ WKLV SUHWW\ SDVWHO VZLPVXLW ZKLFK IHDWXUHV WKLQ VWUDSV IRU PD[LPXP IUHHGRP RI PRYHPHQW 'HVLJQHG XVLQJ VKDSH UHWDLQLQJ (QGXUDQFHp IDEULF WKLV VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

3HUIHFW IRU UHJXODU VZLPPLQJ WKLV FODVVLF OHJVXLW RIIHUV H[WUD FRYHUDJH DQG (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 7KLQVWUDS &URVVEDFN ૱ RIIHUV WRWDO IUHHGRP RI PRYHPHQW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ /HJVXLW ૱ IRU LQFUHDVHG FRYHUDJH ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/HJVXLW (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

3DWWHUQ 3RS 3ULQWHG /HJVXLW % %ODFN (OHFWULF 3LQN /DYD 5HG

6SDFH 5RFN 3ODFHPHQW 7KLQVWUDS 0XVFOHEDFN % 1DY\ -DGH *UHHQ *ORZ

%ODFN (OHFWULF 3LQN

1DY\ -DGH

3DWWHUQ 3RS 3ULQWHG /HJVXLW 1HZ

6SDFH 5RFN 3ODFHPHQW 7KLQVWUDS 0XVFOHEDFN 1HZ

$GG VRPH FRORXU WR \RXU VZLPV LQ ZLWK WKLV FODVVLF OHJVXLW ZKLFK IHDWXUHV D EULJKW DEVWUDFW SULQW 7KLV VW\OH RIIHUV H[WUD FRYHUDJH DQG VKDSH UHWDLQLQJ (QGXUDQFH IDEULF

6WDQG RXW DW WKH SRRO :LWK LWV H\H FDWFKLQJ PRWLI SULQW DQG VKDSH UHWDLQLQJ (QGXUDQFHp IDEULF WKLV FRORXUIXO VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

)HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/HJVXLW (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

)HDWXUHV ଀ 0XVFOHEDFN JUHDW IRU ORQJHU VZLP VHVVLRQV ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

%RRP $OORYHU 6SODVKEDFN % (OHFWULF 3LQN %ODFN

%RRP $OORYHU 6SODVKEDFN % 2UFKLG *UHHQ *ORZ

(OHFWULF 3LQN %ODFN

2UFKLG *UHHQ *ORZ

%RRP $OORYHU 6SODVKEDFN 1HZ

%RRP $OORYHU 6SODVKEDFN 1HZ

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV HOHFWULF SLQN VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV DQG KROLGD\ IXQ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFHp IDEULF

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV SDVWHO VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV DQG KROLGD\ IXQ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFHp IDEULF

)HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

$YDLODEOH VL]HV '( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

*% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

%RRP $OORYHU 6SODVKEDFN % -DGH *UHHQ *ORZ

%RRP 6SOLFH 0XVFOHEDFN % %ODFN (OHFWULF 3LQN

-DGH *UHHQ *ORZ

%ODFN (OHFWULF 3LQN

%RRP $OORYHU 6SODVKEDFN 1HZ

%RRP 6SOLFH 0XVFOHEDFN 1HZ

)HDWXULQJ 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV MDGH VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV DQG KROLGD\ IXQ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFHp IDEULF

)HDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV EODFN DQG HOHFWULF SLQN VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV DQG KROLGD\ IXQ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFHp IDEULF

)HDWXUHV ଀ 6SODVKEDFN ૱ RSHQ EDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

)HDWXUHV ଀ 0XVFOHEDFN JUHDW IRU ORQJHU VZLP VHVVLRQV ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

%RRP 6SOLFH 0XVFOHEDFN % 2UFKLG *UHHQ *ORZ

%RRP 6SOLFH /HJVXLW % %ODFN (OHFWULF 3LQN

2UFKLG *UHHQ *ORZ

%ODFN (OHFWULF 3LQN

%RRP 6SOLFH 0XVFOHEDFN 1HZ

%RRP 6SOLFH /HJVXLW 1HZ

)HDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV SDVWHO VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV DQG KROLGD\ IXQ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFHp IDEULF

)HDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV OHJVXLW RIIHUV H[WUD FRYHUDJH DQG VKDSH UHWDLQLQJ (QGXUDQFH IDEULF

)HDWXUHV ଀ 0XVFOHEDFN JUHDW IRU ORQJHU VZLP VHVVLRQV ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 0XVFOHEDFN JUHDW IRU ORQJHU VZLP VHVVLRQV ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/HJVXLW (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

$YDLODEOH VL]HV '( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

*% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN $ %ODFN 3ULQFHVV 3LQN

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN % -DGH *UHHQ *ORZ

%ODFN 3ULQFHVV 3LQN

-DGH *UHHQ *ORZ

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN 1HZ

:LWK LWV FRQWUDVWLQJ SULQFHVV SLQN VWUDSV DQG VKDSH UHWDLQLQJ (QGXUDQFHp IDEULF WKLV VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV WUDLQLQJ VHVVLRQV DQG UDFH GD\V

:LWK LWV FRQWUDVWLQJ VWUDSV DQG VKDSH UHWDLQLQJ (QGXUDQFHp IDEULF WKLV VZLPVXLW LV JUHDW IRU UHJXODU VZLPPLQJ DQG UDFH GD\V 7KH WKLQVWUDS GHVLJQ RIIHUV PD[LPXP IUHHGRP RI VKRXOGHU PRYHPHQW

)HDWXUHV ଀ 0XVFOHEDFN JUHDW IRU ORQJHU VZLP VHVVLRQV ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

)HDWXUHV ଀ 0XVFOHEDFN JUHDW IRU ORQJHU VZLP VHVVLRQV ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN % %ODFN 'HHS /LODF

(VVHQWLDO (QGXUDQFH 0HGDOLVW %ODFN

%ODFN 'HHS /LODF

%ODFN

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN 1HZ

(VVHQWLDO (QGXUDQFH 0HGDOLVW

:LWK LWV FRQWUDVWLQJ VWUDSV DQG VKDSH UHWDLQLQJ (QGXUDQFHp IDEULF WKLV VZLPVXLW LV JUHDW IRU UHJXODU VZLPPLQJ DQG UDFH GD\V 7KH WKLQVWUDS GHVLJQ RIIHUV PD[LPXP IUHHGRP RI VKRXOGHU PRYHPHQW

3HUIHFW IRU VZLPPLQJ OHVVRQV WKLV FODVVLF EODFN VZLPVXLW LV TXLFN GU\LQJ VRIW DQG VWUHWFK\ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFHp IDEULF WKLV VZLPVXLW SURPLVHV WR ODVW IRU ORQJHU

)HDWXUHV ଀ 0XVFOHEDFN JUHDW IRU ORQJHU VZLP VHVVLRQV ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

)HDWXUHV ଀ 0XVFOHEDFN JUHDW IRU ORQJHU VZLP VHVVLRQV ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

*% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

(VVHQWLDO (QGXUDQFH 0HGDOLVW 6SHHGR 1DY\

(VVHQWLDO (QGXUDQFH 0HGDOLVW 1HRQ %OXH

6SHHGR 1DY\

1HRQ %OXH

(VVHQWLDO (QGXUDQFH 0HGDOLVW

(VVHQWLDO (QGXUDQFH 0HGDOLVW

3HUIHFW IRU VZLPPLQJ OHVVRQV WKLV FODVVLF QDY\ VZLPVXLW LV TXLFN GU\LQJ VRIW DQG VWUHWFK\ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFHp IDEULF WKLV VZLPVXLW SURPLVHV WR ODVW IRU ORQJHU

3HUIHFW IRU VZLPPLQJ OHVVRQV WKLV FODVVLF QHRQ EOXH VZLPVXLW LV TXLFN GU\LQJ VRIW DQG VWUHWFK\ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFHp IDEULF WKLV VZLPVXLW SURPLVHV WR ODVW IRU ORQJHU

)HDWXUHV ଀ 0XVFOHEDFN JUHDW IRU ORQJHU VZLP VHVVLRQV ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 0XVFOHEDFN JUHDW IRU ORQJHU VZLP VHVVLRQV ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

$YDLODEOH VL]HV '( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

*% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

6DPED )HDWKHUV &URVVEDFN % 0DQJR (OHFWULF 3LQN :KLWH

6DPED )HDWKHUV 3DQHO /HJVXLW % 1DY\ (OHFWULF 3LQN -DGH

0DQJR (OHFWULF 3LQN

1DY\ (OHFWULF 3LQN

6DPED )HDWKHUV &URVVEDFN 1HZ

6DPED )HDWKHUV 3DQHO /HJVXLW 1HZ

3HUIHFW IRU DQ\ OLWWOH PHUPDLG WKLV SUHWW\ VZLPVXLW IHDWXUHV D FRORXUIXO ELUG SULQW 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXULQJ D IXQ DQG FRORXUIXO ELUG SULQW WKLV VSRUW\ OHJVXLW RIIHUV H[WUD FRYHUDJH DQG LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ &URVVEDFN RIIHUV IOH[LEOH FRPIRUW VWUDSV IRU HDVH RI SXWWLQJ RQ ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ /HJVXLW ૱ IRU LQFUHDVHG FRYHUDJH ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

0HGLXP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

/HJVXLW (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

$YDLODEOH VL]HV '( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

*% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5 DQV DQV DQV DQV DQV DQV

,7 DQQL DQQL DQQL DQQL DQQL DQQL

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 *,5/ *,5/ *,5/ *,5/ *,5/ *,5/

%R\V )DVWVNLQ )DVWVNLQ -XQLRU /=5 5DFHU ; -DPPHU % /DYD 5HG (OHFWULF 3LQN 0DQJR

)DVWVNLQ (QGXUDQFH +LJK :DLVWHG -DPPHU % -DGH %ODFN (OHFWULF 3LQN -DGH %ODFN

/DYD 5HG (OHFWULF 3LQN

)DVWVNLQ (QGXUDQFH +LJK :DLVWHG -DPPHU 1HZ

'HVLJQHG IRU \RXQJ DWKOHWHV )HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ 'HYHORSHG E\ VZLPPHUV IRU VZLPPHUV ,QFUHDVHG FRPSUHVVLRQ VWUHDPOLQHV WKH ERG\ ZKLOH VXSSRUW VHDPV KROG \RX KLJKHU PDNLQJ \RX IHHO \RXU IDVWHVW

)HHO IDVWHU RQ UDFH GD\ ZLWK RXU ),1$ DSSURYHG (QGXUDQFH +LJK :DLVW -DPPHU SDUW RI RXU PHGDO ZLQQLQJ )DVWVNLQ FROOHFWLRQ %XLOW IRU FRPSHWLQJ LW ILWV WR WKH FRQWRXUV RI WKH ERG\ WR FUHDWH D VOHHN UDFLQJ SURILOH DQG VKDUHV WKH VDPH VHDP OLQHV DQG GHVLJQ LQVSLUDWLRQ DV RXU DGXOW UDFLQJ VXLWV ,Wà«·V GHVLJQHG WR ODVW DQG ZLWKVWDQG HYHU\WKLQJ \RXU UDFH GD\ VZLP VHVVLRQV WKURZ DW LW

)HDWXUHV ଀ 1HZ ERQGHG LQQHU FRUH OLQHU FRQVWUXFWLRQ IRU JUHDWHU VWDELOLW\ DQG LPSURYHG ERG\ SRVLWLRQ ଀ 6LOLFRQ JULSSHU RQ OHJ KHP IRU ERWK FRPIRUW DQG VHFXUH ILW ଀ )ODW VHDP FRQVWUXFWLRQ IROORZV WKH OLQHV RI WKH DGXOW /=5 ; VXSSRUW VHDP FRQVWUXFWLRQ HQKDQFLQJ OLQNV WR PXVFXODU NLQHWLF FKDLQ ଀ ),1$ $33529(' ଀ 'XUDEOH :DWHU 5HSHOOHQW ILQLVK WR IDEULF

)HDWXUHV ଀ 8QLTXH DV\PPHWULF SULQWHG OHJ JXDUDQWHHV \RXà«·OO VWDQG RXW RQ WKH EORFNV ଀ )ODWORFN VHDPV /RZ SURILOH IODWORFN VHDPV UHGXFH LUULWDWLRQ DOORZLQJ \RX WR IRFXV RQ \RXU UDFH ଀ FKORULQH UHVLVWDQW VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO ଀ ),1$ $33529('

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

3XOVH 3RZHU 1\ORQ (ODVWDQH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

)DVWVNLQ -XQLRU /=5 5DFHU ; -DPPHU 1HZ

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

%R\V 0DLQOLQH

(OHFWUR &DPR $OORYHU 3DQHO -DPPHU % 1DY\ 7DSHVWU\ -DGH

(OHFWUR &DPR $OORYHU 3DQHO $TXDVKRUW % 1DY\ 7DSHVWU\ -DGH

1DY\ 7DSHVWU\

1DY\ 7DSHVWU\

(OHFWUR &DPR $OORYHU 3DQHO -DPPHU 1HZ (OHFWUR &DPR $OORYHU 3DQHO $TXDVKRUW 1HZ /LYHQ XS WUDLQLQJ ZLWK WKLV JHRPHWULF LQVSLUHG DTXDVKRUW 'HVLJQHG ZLWK D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW DQG PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ %X\V

FP (QGXUDQFHp 3RO\HVWHU 3%7

/LYHQ XS WUDLQLQJ ZLWK WKLV JHRPHWULF LQVSLUHG MDPPHU 'HVLJQHG WR FUHDWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU DQG PDGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU )HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6XE $WRPL]HU /RJR 3DQHO $TXDVKRUW % 'DQXEH /DYD 5HG 0DQJR

6XE $WRPL]HU /RJR 3DQHO $TXDVKRUW % 1DY\ :KLWH *UHHQ *ORZ

'DQXEH /DYD 5HG

1DY\ :KLWH

6XE $WRPL]HU /RJR 3DQHO $TXDVKRUW 1HZ

6XE $WRPL]HU /RJR 3DQHO $TXDVKRUW 1HZ

7KLV VSRUW\ VW\OH LV LGHDO IRU UHJXODU VZLPPLQJ 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV VSRUW\ VW\OH LV LGHDO IRU UHJXODU VZLPPLQJ 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

$YDLODEOH VL]HV '( FP FP FP FP FP FP

)5

,7

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 %2< %2< %2< %2< %2< %2<

*% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5

,7

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 %2< %2< %2< %2< %2< %2<

6XE $WRPL]HU /RJR 3DQHO -DPPHU % 'DQXEH /DYD 5HG 0DQJR

6XE $WRPL]HU /RJR 3DQHO -DPPHU % 1DY\ :KLWH *UHHQ *ORZ

'DQXEH /DYD 5HG

1DY\ :KLWH

6XE $WRPL]HU /RJR 3DQHO -DPPHU 1HZ

6XE $WRPL]HU /RJR 3DQHO -DPPHU 1HZ

7KLV VSRUW\ VW\OH LV LGHDO IRU UHJXODU VZLPPLQJ 'HVLJQHG WR FUHDWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU DQG PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV VSRUW\ VW\OH LV LGHDO IRU UHJXODU VZLPPLQJ 7KLV MDPPHU LV GHVLJQHG WR FUHDWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU DQG LV PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5

,7

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 %2< %2< %2< %2< %2< %2<

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

&ODVK %ORFN $OORYHU $TXDVKRUW % 'DQXEH 5LVN 5HG 0DQJR

&ODVK %ORFN $OORYHU 3DQHO -DPPHU % 5LVN 5HG 0DQJR 'DQXEH

'DQXEH 5LVN 5HG

5LVN 5HG 0DQJR

&ODVK %ORFN $OORYHU $TXDVKRUW 1HZ

&ODVK %ORFN $OORYHU 3DQHO -DPPHU 1HZ

6WDQG RXW DW WKH SRRO <RXQJ DWKOHWHV LQ WKH PDNLQJ ZLOO ORYH WKLV EROG SULQW )HDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW DQG PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

6WDQG RXW DW WKH SRRO LQ WKLV EROG MDPPHU 'HVLJQHG WR FUHDWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU DQG PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5

,7

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 %2< %2< %2< %2< %2< %2<

&ODVK %ORFN 3ODFHPHQW 3DQHO $TXDVKRUW % 5LVN 5HG 0DQJR 'DQXEH

&ODVK %ORFN $OORYHU -DPPHU % 'DQXEH 5LVN 5HG 0DQJR

5LVN 5HG 0DQJR

'DQXEH 5LVN 5HG

&ODVK %ORFN 3ODFHPHQW 3DQHO $TXDVKRUW 1HZ

&ODVK %ORFN $OORYHU -DPPHU 1HZ

6WDQG RXW DW WKH SRRO LQ WKLV EROG DTXDVKRUW ZKLFK IHDWXUHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 'HVLJQHG XVLQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

6WDQG RXW DW WKH SRRO <RXQJ DWKOHWHV LQ WKH PDNLQJ ZLOO ORYH WKLV EROG SULQW )HDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW DQG PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5

,7

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 %2< %2< %2< %2< %2< %2<

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

7UL %ROG $OORYHU FP %ULHI % 1DY\ -DGH *UHHQ *ORZ

7UL %ROG $OORYHU 9 &XW 3DQHO -DPPHU % 1DY\ -DGH *UHHQ *ORZ

1DY\ -DGH

1DY\ -DGH

7UL %ROG $OORYHU FP %ULHI 1HZ

7UL %ROG $OORYHU 9 &XW 3DQHO -DPPHU 1HZ

/LYHQ XS WUDLQLQJ ZLWK WKLV VWULNLQJ SDWWHUQHG EULHI 'HVLJQHG WR FUHDWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU DQG PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

/LYHQ XS WUDLQLQJ ZLWK WKLV VWULNLQJ SDWWHUQHG MDPPHU 'HVLJQHG WR FUHDWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU DQG PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5

,7

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 %2< %2< %2< %2< %2< %2<

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

7UL %ROG 3ODFHPHQW 3DQHO $TXDVKRUW % -DGH /HPRQ 6RUEHW 1DY\

%RRP 6SOLFH $TXDVKRUW % 1DY\ -DGH

-DGH /HPRQ 6RUEHW

1DY\ -DGH

7UL %ROG 3ODFHPHQW 3DQHO $TXDVKRUW 1HZ

%RRP 6SOLFH $TXDVKRUW 1HZ

/LYHQ XS WUDLQLQJ ZLWK WKLV EULJKW DTXDVKRUW 'HVLJQHG WR FUHDWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU DQG PDGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV DTXDVKRUW LV SHUIHFW IRU VZLPPLQJ OHVVRQV 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU $ GUDZVWULQJ ZDLVW SURYLGHV D VHFXUH FRQILGHQW ILW DOORZLQJ \RXQJ VZLPPHUV WR HQMR\ WKH ZDWHU LQ FRPIRUW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP

)5

,7

/$7 $0 WDOOD WDOOD WDOOD WDOOD WDOOD WDOOD

$86 %2< %2< %2< %2< %2< %2<

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

%RRP 6SOLFH $TXDVKRUW %ODFN 5LVN 5HG

%RRP 6SOLFH $TXDVKRUW % 2[LG *UHHQ *ORZ

%ODFN 5LVN 5HG

2[LG *UHHQ *ORZ

%RRP 6SOLFH $TXDVKRUW 1HZ

%RRP 6SOLFH $TXDVKRUW 1HZ

)HDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV DTXDVKRUW LV SHUIHFW IRU VZLPPLQJ OHVVRQV 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU $ GUDZVWULQJ ZDLVW SURYLGHV D VHFXUH FRQILGHQW ILW DOORZLQJ \RXQJ VZLPPHUV WR HQMR\ WKH ZDWHU LQ FRPIRUW

)HDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV DTXDVKRUW LV SHUIHFW IRU VZLPPLQJ OHVVRQV 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU $ GUDZVWULQJ ZDLVW SURYLGHV D VHFXUH FRQILGHQW ILW DOORZLQJ \RXQJ VZLPPHUV WR HQMR\ WKH ZDWHU LQ FRPIRUW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

%RRP 6SOLFH -DPPHU % 1DY\ -DGH

%RRP 6SOLFH -DPPHU %ODFN 5LVN 5HG

1DY\ -DGH

%ODFN 5LVN 5HG

%RRP 6SOLFH -DPPHU 1HZ

%RRP 6SOLFH -DPPHU 1HZ

)HDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV MDPPHU LV SHUIHFW IRU VZLPPLQJ OHVVRQV 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU $ GUDZVWULQJ ZDLVW SURYLGHV D VHFXUH FRQILGHQW ILW DOORZLQJ \RXQJ VZLPPHUV WR HQMR\ WKH ZDWHU LQ FRPIRUW

)HDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV MDPPHU LV SHUIHFW IRU VZLPPLQJ OHVVRQV 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU $ GUDZVWULQJ ZDLVW SURYLGHV D VHFXUH FRQILGHQW ILW DOORZLQJ \RXQJ VZLPPHUV WR HQMR\ WKH ZDWHU LQ FRPIRUW

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

%RRP 6SOLFH -DPPHU % 2[LG *UHHQ *ORZ

6SRUWV /RJR 3DQHO $TXDVKRUW $ %ODFN 3RZGHU %OXH

2[LG *UHHQ *ORZ

%ODFN 3RZGHU %OXH

%RRP 6SOLFH -DPPHU 1HZ

6SRUWV /RJR 3DQHO $TXDVKRUW

)HDWXULQJ D VSOLFH RI 6SHHGR V QHZ VLJQDWXUH SULQW %RRP WKLV MDPPHU LV SHUIHFW IRU VZLPPLQJ OHVVRQV 0DGH IURP (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU $ GUDZVWULQJ ZDLVW SURYLGHV D VHFXUH FRQILGHQW ILW DOORZLQJ \RXQJ VZLPPHUV WR HQMR\ WKH ZDWHU LQ FRPIRUW

7KLV VOHHN DQG VSRUW\ DTXDVKRUW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\ IXQ DQG UDFH GD\ 4XLFN GU\LQJ ZLWK D GUDZVWULQJ ZDLVW IRU D FRPI\ ILW DQG IHDWXULQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

6SRUWV /RJR 3DQHO $TXDVKRUW % 1DY\ /HPRQ 6RUEHW

6SRUWV /RJR 3DQHO $TXDVKRUW % 'DQXEH %ODFN

1DY\ /HPRQ 6RUEHW

'DQXEH %ODFN

6SRUWV /RJR 3DQHO $TXDVKRUW 1HZ

6SRUWV /RJR 3DQHO $TXDVKRUW 1HZ

7KLV VOHHN DQG VSRUW\ DTXDVKRUW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\ IXQ DQG UDFH GD\ 4XLFN GU\LQJ ZLWK D GUDZVWULQJ ZDLVW IRU D FRPI\ ILW DQG IHDWXULQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV VOHHN DQG VSRUW\ DTXDVKRUW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\ IXQ DQG UDFH GD\ 4XLFN GU\LQJ ZLWK D GUDZVWULQJ ZDLVW IRU D FRPI\ ILW DQG IHDWXULQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6SRUWV /RJR 3DQHO -DPPHU $ %ODFN 3RZGHU %OXH

6SRUWV /RJR 3DQHO -DPPHU % 1DY\ /HPRQ 6RUEHW

%ODFN 3RZGHU %OXH

1DY\ /HPRQ 6RUEHW

6SRUWV /RJR 3DQHO -DPPHU

6SRUWV /RJR 3DQHO -DPPHU 1HZ

7KLV VOHHN DQG VSRUW\ MDPPHU LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\ IXQ DQG UDFH GD\ 4XLFN GU\LQJ ZLWK D GUDZVWULQJ ZDLVW IRU D FRPI\ ILW DQG IHDWXULQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV VOHHN DQG VSRUW\ MDPPHU LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\ IXQ DQG UDFH GD\ 4XLFN GU\LQJ ZLWK D GUDZVWULQJ ZDLVW IRU D FRPI\ ILW DQG IHDWXULQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

6SRUWV /RJR 3DQHO -DPPHU % 'DQXEH %ODFN

(VVHQWLDO (QGXUDQFH FP %ULHI %ODFN

'DQXEH %ODFN

%ODFN

6SRUWV /RJR 3DQHO -DPPHU 1HZ

(VVHQWLDO (QGXUDQFH FP %ULHI

7KLV VOHHN DQG VSRUW\ MDPPHU LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\ IXQ DQG UDFH GD\ 4XLFN GU\LQJ ZLWK D GUDZVWULQJ ZDLVW IRU D FRPI\ ILW DQG IHDWXULQJ (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

*UHDW IRU VZLPPLQJ OHVVRQV WKLV EULHI KDV D GUDZVWULQJ ZDLVW IRU D VHFXUH FRQILGHQW ILW DOORZLQJ \RXQJ VZLPPHUV WR HQMR\ WKH ZDWHU LQ FRQILGHQFH 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\DPLGH (ODVWDQH

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

(VVHQWLDO (QGXUDQFH 6KRUW %ODFN

(VVHQWLDO (QGXUDQFH -DPPHU %ODFN

%ODFN

%ODFN

(VVHQWLDO (QGXUDQFH 6KRUW

(VVHQWLDO (QGXUDQFH -DPPHU

*UHDW IRU VZLPPLQJ OHVVRQV WKLV DTXDVKRUW KDV D GUDZVWULQJ ZDLVW IRU D VHFXUH FRQILGHQW ILW DOORZLQJ \RXQJ VZLPPHUV WR HQMR\ WKH ZDWHU LQ FRQILGHQFH 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

*UHDW IRU VZLPPLQJ OHVVRQV WKLV MDPPHU KDV D GUDZVWULQJ ZDLVW IRU D VHFXUH FRQILGHQW ILW DOORZLQJ \RXQJ VZLPPHUV WR HQMR\ WKH ZDWHU LQ FRQILGHQFH 0DGH IURP (QGXUDQFHp IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

)HDWXUHV ଀ 'UDZVWULQJ ZDLVW ૱ IRU D VHFXUH ILW ଀ FKORULQH UHVLVWDQW VR \RXU VZLPZHDU ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ )UHHGRP WR PRYH ૱ ZD\ VWUHWFK WHFKQRORJ\ IRU FRPIRUW DQG VRIWQHVV ଀ (QGXUDQFH IDEULF UHWDLQV LWV VKDSH DQG UHVLVWV IDGLQJ ORQJHU WKDQ DQ\ RWKHU VZLP PDWHULDO

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

/HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

FP (QGXUDQFHp 3RO\HVWHU 3%7

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

%R\V :DWHUVKRUWV &ODVK %ORFN 3ULQWHG /HLVXUH :DWHUVKRUW % 'DQXEH /DYD 5HG 0DQJR

/XQDU *UDSK 3ULQWHG /HLVXUH :DWHUVKRUW % 1DY\ -DGH *UHHQ *ORZ 1DY\ -DGH

'DQXEH /DYD 5HG

/XQDU *UDSK 3ULQWHG /HLVXUH :DWHUVKRUW 1HZ &ODVK %ORFN 3ULQWHG /HLVXUH :DWHUVKRUW 1HZ 2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV VW\OH LV JUHDW IRU WKH SRRO ZDWHUSDUNV DQG GD\V DW WKH EHDFK 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW )HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV VW\OH LV JUHDW IRU WKH SRRO ZDWHUSDUNV DQG GD\V DW WKH EHDFK 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW )HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

/XQDU *UDSK 3ULQWHG /HLVXUH :DWHUVKRUW % 'DQXEH /LJKW $GULDWLF /DYD

/XQDU *UDSK *UDSKLF /HLVXUH :DWHUVKRUW % /DYD 5HG 'DQXEH /LJKW

'DQXEH /LJKW $GULDWLF

/DYD 5HG 'DQXEH

/XQDU *UDSK 3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

/XQDU *UDSK *UDSKLF /HLVXUH :DWHUVKRUW 1HZ

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV VW\OH LV JUHDW IRU WKH SRRO ZDWHUSDUNV DQG GD\V DW WKH EHDFK 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV VW\OH IHDWXUHV D EROG SULQW ZKLFK LV JUHDW IRU WKH SRRO ZDWHUSDUNV DQG GD\V DW WKH EHDFK 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW

)HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW

)HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

(OHFWUR &DPR 3ULQWHG /HLVXUH :DWHUVKRUW % %ODFN 'DQXEH /LJKW $GULDWLF

0D\DQ 0D\KHP 3ULQWHG /HLVXUH :DWHUVKRUW % 1DY\ -DGH *UHHQ *ORZ

%ODFN 'DQXEH

1DY\ -DGH

(OHFWUR &DPR 3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

0D\DQ 0D\KHP 3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 6WDQG RXW RQ WKH EHDFK LQ WKLV EULJKW VW\OH 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 6WDQG RXW RQ WKH EHDFK LQ WKLV EULJKW VW\OH 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW

)HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW

)HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

&KDOOHQJH :DWHUVKRUW %ODFN

&KDOOHQJH :DWHUVKRUW 6SHHGR 1DY\

%ODFN

6SHHGR 1DY\

&KDOOHQJH :DWHUVKRUW

&KDOOHQJH :DWHUVKRUW

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV FODVVLF VW\OH LV JUHDW IRU WKH SRRO ZDWHUSDUNV DQG GD\V DW WKH EHDFK 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV FODVVLF VW\OH LV JUHDW IRU WKH SRRO ZDWHUSDUNV DQG GD\V DW WKH EHDFK 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW

)HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW

)HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

&KDOOHQJH :DWHUVKRUW )HG 5HG :KLWH 6WULSH

&KDOOHQJH :DWHUVKRUW % 0DQJR :KLWH 6WULSH

)HG 5HG :KLWH 6WULSH

0DQJR :KLWH 6WULSH

&KDOOHQJH :DWHUVKRUW

&KDOOHQJH :DWHUVKRUW 1HZ

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV FODVVLF VW\OH LV JUHDW IRU WKH SRRO ZDWHUSDUNV DQG GD\V DW WKH EHDFK 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV FODVVLF VW\OH LV JUHDW IRU WKH SRRO ZDWHUSDUNV DQG GD\V DW WKH EHDFK 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW

)HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW

)HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6ROLG /HLVXUH :DWHUVKRUW %ODFN

6ROLG /HLVXUH :DWHUVKRUW 6SHHGR 1DY\

%ODFN

6SHHGR 1DY\

6ROLG /HLVXUH :DWHUVKRUW

6ROLG /HLVXUH :DWHUVKRUW

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV EHVWVHOOLQJ VW\OH LV JUHDW IRU WKH SRRO ZDWHUSDUNV DQG GD\V DW WKH EHDFK 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW

2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV EHVWVHOOLQJ VW\OH LV JUHDW IRU WKH SRRO ZDWHUSDUNV DQG GD\V DW WKH EHDFK 0DGH IURP TXLFN GU\LQJ IDEULF DQG IHDWXULQJ D GUDZVWULQJ ZDLVW IRU DGGHG FRPIRUW

)HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW

)HDWXUHV ଀ *UHDW IRU WKH SRRO RU EHDFK ଀ 4XLFN GU\ IDEULF NHHSV VKRUWV FRPIRUWDEOH DQG GU\ ଀ :DWHU ORJJLQJ LV SUHYHQWHG PHDQLQJ WKH\ ZLOO VWD\ OLJKW DQG HDV\ WR PRYH LQ ଀ &OHYHU SRFNHW GUDLQDJH PHDQV WKH\ ZRQ W ZDWHUORJ RU ILOO ZLWK VDQG ଀ 'UDZVWULQJ ZDLVW ૱ IRU D FRPIRUWDEOH ILW

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

,QIDQW 0DLQOLQH

6HDVTXDG +RW 7RW 6XLW % 9HJDV 3LQN %DOL %OXH /LPH

6HD 6TXDG :DWHUVKRUW % 1HRQ %OXH /DYD 5HG

9HJDV 3LQN %DOL %OXH

1HRQ %OXH /DYD 5HG

6HDVTXDG +RW 7RW 6XLW 1HZ 6HD 6TXDG :DWHUVKRUW 1HZ 4XLFN GU\LQJ FRPIRUWDEOH DQG OLJKWZHLJKW VR \RXU FKLOG FDQ IRFXV RQ KDYLQJ IXQ 7KHVH VZLP VKRUWV IHDWXUH DQ HODVWLFDWHG ZDLVW IRU D FRPIRUWDEOH ILW D IXQ DQG FRORXUIXO 6HDVTXDG SULQW )HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ 4XLFN GU\LQJ ଀ (ODVWLFDWHG ZDLVW ଀ :DWHU GUDLQDJH SRFNHW ଀ :DWHU UHSHOOHQW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

1\ORQ 1\ORQ

%X\V

.HHS \RXU OLWWOH RQH SURWHFWHG DV WKH\ SOD\ RQ WKH EHDFK RU SDGGOH LQ WKH SRRO ZLWK WKLV FOHYHU VXLW PDGH IURP 89 SURWHFWLYH IDEULF )HDWXULQJ VXQ SURWHFWLRQ RI 83) WKLV DOO LQ RQH VW\OH FRYHUV \RXU FKLOG V VKRXOGHUV WXPP\ DQG WKLJKV WR KHOS WKHVH DUHDV UHVLVW VXQEXUQ DQG WKH KDUPIXO XOWUDYLROHW UD\V RI WKH VXQ 7KLV VXLW LV YHU\ FRORXUIXO WR KHOS PDNH \RXU FKLOG HDV\ WR VSRW )HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ 7HVWHG WR PHHW DOO (XURSHDQ DSSURYHG VWDQGDUGV ଀ 89 3URWHFWLRQ ૱ 3URYLGHV 89$ DQG 89% SURWHFWLRQ IURP WKH VXQ )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

1HRSUHQH 5XEEHU 3RO\DPLGH

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

6HDVTXDG $OORYHU 3LHFH % 9HJDV 3LQN 3LQN 6SODVK %DOL

6HDVTXDG +RW 7RW 6XLW % 1HRQ %OXH 5LVN 5HG /LPH

9HJDV 3LQN 3LQN 6SODVK

1HRQ %OXH 5LVN 5HG

6HDVTXDG $OORYHU 3LHFH 1HZ

6HDVTXDG +RW 7RW 6XLW 1HZ

7KLV VXSHU FRORXUIXO VZLPVXLW KDV D FXWH RFWRSXV DQG VWDUILVK GHVLJQ 'XUDEOH VWUHWFK\ IDEULF DQG D FURVVRYHU EDFN DOORZ \RXU OLWWOH RQH WR VSODVK DURXQG SOD\ DQG H[SORUH LQ FRPIRUW ZKLOH RXU (QGXUDQFHp WHFKQRORJ\ HQVXUHV LW ZLOO ILW OLNH QHZ IRU ORQJHU

.HHS \RXU OLWWOH RQH SURWHFWHG DV WKH\ SOD\ RQ WKH EHDFK RU SDGGOH LQ WKH SRRO ZLWK WKLV FOHYHU VXLW PDGH IURP 89 SURWHFWLYH IDEULF )HDWXULQJ VXQ SURWHFWLRQ RI 83) WKLV DOO LQ RQH VW\OH FRYHUV \RXU FKLOG V VKRXOGHUV WXPP\ DQG WKLJKV WR KHOS WKHVH DUHDV UHVLVW VXQEXUQ DQG WKH KDUPIXO XOWUDYLROHW UD\V RI WKH VXQ 7KLV VXLW LV YHU\ FRORXUIXO WR KHOS PDNH \RXU FKLOG HDV\ WR VSRW

଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% PQWKV \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP FP

)5 PRLV PRLV DQV DQV DQV DQV DQV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

,7 P PHVL PHVL DQQL DQQL DQQL DQQL DQQL

$86

)HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ 7HVWHG WR PHHW DOO (XURSHDQ DSSURYHG VWDQGDUGV ଀ 89 3URWHFWLRQ ૱ 3URYLGHV 89$ DQG 89% SURWHFWLRQ IURP WKH VXQ )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

1HRSUHQH 5XEEHU 3RO\DPLGH

%X\V

$YDLODEOH VL]HV

6HDVTXDG $OORYHU $TXDVKRUW % 1HRQ %OXH 5LVN 5HG -DSDQ %OXH

6HDVTXDG 3ODFHPHQW $TXDVKRUW % 1HRQ %OXH -DSDQ %OXH 5LVN 5HG

1HRQ %OXH 5LVN 5HG

1HRQ %OXH -DSDQ %OXH

6HDVTXDG $OORYHU $TXDVKRUW 1HZ

6HDVTXDG 3ODFHPHQW $TXDVKRUW 1HZ

0DNH D VSODVK ZLWK WKLV PDULQH WKHPHG DTXDVKRUW PDGH ZLWK VWUHWFK\ IDEULFV WR DOORZ \RXU OLWWOH RQH WR VSODVK DURXQG SOD\ DQG H[SORUH LQ FRPIRUW

7KHVH IXQ VHD FUHDWXUH VZLP VKRUWV DUH LGHDO IRU OLWWOH VZLPPHUV &RPIRUWDEOH VWUHWFK\ IDEULF DOORZV \RXU OLWWOH RQH WR IRFXV RQ KDYLQJ IXQ LQ WKH ZDWHU

)HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ 89 3URWHFWLRQ ૱ )DEULF EORFNV RI 89$ DQG 89% UD\V ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ 89 3URWHFWLRQ ૱ )DEULF EORFNV RI 89$ DQG 89% UD\V ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\DPLGH (ODVWDQH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

%ORZLQJ %XEEOHV (VVHQWLDO 7KLQVWUDS 3LHFH % -DGH 2UFKLG 6RIW &RUDO

%ORZLQJ %XEEOHV (VVHQWLDO $OO 2YHU 3LHFH % -DGH 2UFKLG 6RIW &RUDO

-DGH 2UFKLG

-DGH 2UFKLG

%ORZLQJ %XEEOHV (VVHQWLDO 7KLQVWUDS 3LHFH 1HZ

%ORZLQJ %XEEOHV (VVHQWLDO $OO 2YHU 3LHFH 1HZ

&XWH FRORXUIXO DQG IXQ WKLV VZLPVXLW LQFOXGHV WKLQ VWUDSV VWUHWFK\ IDEULFV DQG D FURVVRYHU EDFN WR DOORZ \RXU ZDWHU EDE\ WR SOD\ H[SORUH DQG HQMR\ WKH ZDWHU LQ WRWDO FRPIRUW 3HUIHFW IRU WKH SRRO RU EHDFK LW IHDWXUHV (QGXUDQFHp IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV VZLP KDV D FRORXUIXO JLUO\ PHUPDLG GHVLJQ ZKLFK KHOSV PDNH \RXU FKLOG HDVLHU WR VSRW 'XUDEOH VWUHWFK\ IDEULF DOORZV \RXU OLWWOH RQH WR VSODVK DURXQG SOD\ DQG H[SORUH LQ FRPIRUW ZKLOH RXU (QGXUDQFHp WHFKQRORJ\ HQVXUHV LW ZLOO ILW OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\DPLGH (ODVWDQH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

$YDLODEOH VL]HV

7LGDO ,GRO (VVHQWLDO $SSOLTXH 3LHFH % (OHFWULF 3LQN 1DY\ :KLWH

7LGDO ,GRO (VVHQWLDO )ULOO 3LHFH % (OHFWULF 3LQN 1DY\ :KLWH

(OHFWULF 3LQN 1DY\

(OHFWULF 3LQN 1DY\

7LGDO ,GRO (VVHQWLDO $SSOLTXH 3LHFH 1HZ

7LGDO ,GRO (VVHQWLDO )ULOO 3LHFH 1HZ

:LWK LWV VXSHU FXWH VHDVKHOO GHVLJQ WKLV VZLPVXLW LV SHUIHFW IRU OLWWOH ZDWHU EDELHV &RPIRUWDEOH VWUHWFK\ IDEULF DOORZV \RXU OLWWOH RQH WR VSODVK DURXQG SOD\ DQG H[SORUH LQ FRPIRUW ZKLOH RXU (QGXUDQFHp WHFKQRORJ\ HQVXUHV LW ZLOO ILW OLNH QHZ IRU ORQJHU

:LWK LWV VXSHU FXWH VHDVKHOO GHVLJQ DQG SUHWW\ IULOO GHWDLOLQJ WKLV VZLPVXLW LV SHUIHFW IRU OLWWOH ZDWHU EDELHV &RPIRUWDEOH VWUHWFK\ IDEULF DOORZV \RXU OLWWOH RQH WR VSODVK DURXQG SOD\ DQG H[SORUH LQ FRPIRUW ZKLOH RXU (QGXUDQFHp WHFKQRORJ\ HQVXUHV LW ZLOO ILW OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\DPLGH (ODVWDQH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

%X\V

$YDLODEOH VL]HV

$YDLODEOH VL]HV

7LGDO ,GRO (VVHQWLDO 3LHFH % (OHFWULF 3LQN 1DY\ :KLWH

)XVLRQ )XQ (VVHQWLDO 6XQWRS % 'DQXEH 5LVN 5HG :KLWH

(OHFWULF 3LQN 1DY\

'DQXEH 5LVN 5HG

7LGDO ,GRO (VVHQWLDO 3LHFH 1HZ

)XVLRQ )XQ (VVHQWLDO 6XQWRS 1HZ

:LWK LWV VXSHU FXWH VHDVKHOO GHVLJQ DQG SUHWW\ IULOO GHWDLOLQJ WKLV SLHFH LV SHUIHFW IRU OLWWOH ZDWHU EDELHV &RPIRUWDEOH VWUHWFK\ IDEULF DOORZV \RXU OLWWOH RQH WR VSODVK DURXQG SOD\ DQG H[SORUH LQ FRPIRUW ZKLOH RXU (QGXUDQFHp WHFKQRORJ\ HQVXUHV LW ZLOO ILW OLNH QHZ IRU ORQJHU

0DNH D VSODVK ZLWK RXU FRORXUIXO SLUDWH WKHPHG VXQWRS 0DGH ZLWK VWUHWFK\ IDEULFV WR DOORZ \RXU OLWWOH RQH WR VSODVK DURXQG SOD\ DQG H[SORUH LQ WRWDO FRPIRUW

)HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

)HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV

)XVLRQ )XQ (VVHQWLDO $OORYHU $TXDVKRUW % 'DQXEH 5LVN 5HG :KLWH 'DQXEH 5LVN 5HG

)XVLRQ )XQ (VVHQWLDO $OORYHU $TXDVKRUW 1HZ 0DNH D VSODVK ZLWK RXU FRORXUIXO SLUDWH WKHPHG DTXDVKRUW 0DGH ZLWK VWUHWFK\ IDEULFV WR DOORZ \RXU OLWWOH RQH WR VSODVK DURXQG SOD\ DQG H[SORUH LQ WRWDO FRPIRUW )HDWXUHV ଀ &RORXUIXO IXQ GHVLJQ KHOSV PDNH \RXU FKLOG LV HDVLHU WR VSRW ଀ &RPIRUWDEOH ILW ૱IDEULF VWUHWFKHV VR FKLOGUHQ FDQ HQMR\ WKHLU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG ଀ 'XUDEOH VRIW WR WRXFK DQG PRUH UHVLVWDQW WR VXQVFUHHQ WKDQ WUDGLWLRQDO VZLP IDEULFV ଀ 6KDSH UHWDLQLQJ (QGXUDQFH IDEULF ILWV OLNH QHZ IRU ORQJHU )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ

(QGXUDQFHp 3RO\DPLGH (ODVWDQH

%X\V

$YDLODEOH VL]HV *% PQWKV \UV \UV \UV \UV \UV \UV

'( FP FP FP FP FP FP FP

)5 PRLV PRLV DQV DQV DQV DQV DQV

3DJH 6SHHGR 6 0DLQOLQH 6ZLP _ 6 6ZLPZHDU )UDEHQHOX[ &RS\

,7 P PHVL PHVL DQQL DQQL DQQL DQQL DQQL

$86

;LJOUPJHS 0UMVYTH[PVU

;LJOUPJHS 0UMVYTH[PVU

Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.