Katalog speedo-2 2017 jankusport

Page 1

SWIMWEAR & WATERSHORTS SEASON 2/2017


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 Technology Price

Compression Technology Price

Compression Technology Price

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.

CARE INFORMATION Fastskin suits need to be looked after to ensure they last as long as possible and perform at their best.

When putting on your suit do not pull on areas on the thinner more flexible areas of the fabric (highlighted in red). Only pull on the strong seams or the double layered fabric.

Keep away from sharp objects and long nails

Rinse immediately in clean cold water after use. Chlorine will damage the suit over time.

Avoid contact with direct heat. Keep away from the radiator and do not iron.

Wearing the suit for racing only will prolong the lifespan of the suit.


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

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. 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 and thin straps for maximum movement and style.

Double Crossback

With 6 back options across our Competitive and Swim Fitness ranges, the perfect combination of shape, style and comfort to suit every swimmer is just a matter of choice.

Thinstraps Ideal for avoiding thick ‘tan lines’ when swimming outdoors.

Rippleback

Classic Back Aiding shoulder movement and flexibility. Ideal for training.

Powerback

Crossback Flexible comfort straps for ease of putting on. Great for aiding shoulder flexibility. Ideal for training. Crossback

Open Back Perfect for racing or longer training session.

Muscleback

Increased back coverage With additional bust support for comfort and confidence in the pool.

Leg Heights High Leg Medium Leg Low Leg

Kickback

Greater back coverage With additional bust support, these suits are great for the active regular swimmer. Racerback


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.


Designed to last longer • Endurance®+ uses a blend of PBT and Polyester fibres which help to provide high chlorine resistance • Longer lasting fit through wear and use. Resists snagging and fading longer than other swim fabrics • Featuring multidirectional stretch fabric for added softness and comfort • Provides UVA & UVB protection from the sun

Longer Lasting

100% Chlorine Resistant

UV Protection


Fits like new for longer • Great comfort and shape retention, swim after swim • Durable fabric that is resistant to snagging • Now with new Creora® Highclo™ elastane with higher chlorine resistance than standard elastane • Provides UVA & UVB protection from the sun

Fits Like New For Longer Higher chlorine resistance

CREORA is a registered trade mark of Hyosung Corporation.

Superior Fit

Chlorine Resistant

UV Protection


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

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 % 9LROHW *ROG

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

9LROHW *ROG

%ODFN *ROG

)DVWVNLQ /=5 5DFHU ; 2SHQEDFN .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$

)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

)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 $YDLODEOH 6L]HV

/=5 3XOVH/LWH /=5 &RPSUH; 3RO\DPLGH (ODVWDQH 3RO\DPLGH (ODVWDQH

%X\V

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/=5 3XOVH/LWH /=5 &RPSUH; 3RO\DPLGH (ODVWDQH 3RO\DPLGH (ODVWDQH

%X\V

)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

)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 $YDLODEOH 6L]HV

/=5 3XOVH/LWH /=5 &RPSUH; 3RO\DPLGH (ODVWDQH 3RO\DPLGH (ODVWDQH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/=5 3XOVH/LWH /=5 &RPSUH; 3RO\DPLGH (ODVWDQH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


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

)DVWVNLQ /=5 5DFHU (OLWH 2SHQEDFN .QHHVNLQ % 9LROHW 6LUHQ 5HG

%ODFN

9LROHW 6LUHQ 5HG

)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 UHSHOOHQFH :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 UHSHOOHQFH :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 $YDLODEOH 6L]HV

/=5 3XOVH 3RO\DPLGH (ODVWDQH / / / /

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/=5 3XOVH 3RO\DPLGH (ODVWDQH / / / /

%X\V

%X\V

)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

)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 UHSHOOHQFH :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 UHSHOOHQFH :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 $YDLODEOH 6L]HV

/=5 3XOVH 3RO\DPLGH (ODVWDQH / / / /

%X\V

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/=5 3XOVH 3RO\DPLGH (ODVWDQH / / / /

%X\V

6SHHGR 6 )UDEHQHOX[


)DVWVNLQ /=5 5DFHU (OLWH &ORVHGEDFN .QHHVNLQ % 9LROHW 6LUHQ 5HG 9LROHW 6LUHQ 5HG

)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$ )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 UHSHOOHQFH :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 $YDLODEOH 6L]HV

/=5 3XOVH 3RO\DPLGH (ODVWDQH / / / /

%X\V

6SHHGR 6 )UDEHQHOX[


)HPDOH 6SHHGR )LW

6SHHGR )LW 6SOLFH ;EDFN % 1DY\ %HDXWLIXO %OXH /LPH

6SHHGR )LW 6SOLFH ;%DFN % %ODFN 9LWD *UH\ 7XUTXRLVH

1DY\ %HDXWLIXO %OXH

%ODFN 9LWD *UH\

6SHHGR )LW 6SOLFH ;EDFN 1HZ 3DFNHG IXOO RI 6SHHGR LQQRYDWLRQ WKLV VZLPVXLW FDQ KHOS \RX LPSURYH \RXU ERG\ SRVLWLRQLQJ LQ WKH ZDWHU DQG VZLP IDVWHU ,QWHUQDO SRZHU PHVK SDQHOV HQFRXUDJH NH\ PXVFOH DZDUHQHVV DQG SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ZKLOH \RX VZLP (QJLQHHUHG IRU WUDLQLQJ WKLV VXLW LV PDGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

6SHHGR )LW 6SOLFH ;%DFN 1HZ 3DFNHG IXOO RI 6SHHGR LQQRYDWLRQ WKLV VZLPVXLW FDQ KHOS \RX LPSURYH \RXU ERG\ SRVLWLRQLQJ LQ WKH ZDWHU DQG VZLP IDVWHU ,QWHUQDO SRZHU PHVK SDQHOV HQFRXUDJH NH\ PXVFOH DZDUHQHVV DQG SURPRWH EHWWHU ERG\ SRVLWLRQLQJ ZKLOH \RX VZLP (QJLQHHUHG IRU WUDLQLQJ WKLV VXLW LV PDGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 3RZHU 0HVK &RPSUHVVLRQ 3DQHOV ૱ GUDZV DWWHQWLRQ WR \RXU FRUH HQFRXUDJLQJ \RX WR PDLQWDLQ D EHWWHU ERG\ SRVLWLRQ LQ WKH ZDWHU ଀ EXVW VXSSRUW IRU DGGHG FRPIRUW DQG VHFXULW\ ଀ &RPIRUW VWUDSV VRIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ 3RZHU 0HVK &RPSUHVVLRQ 3DQHOV ૱ GUDZV DWWHQWLRQ WR \RXU FRUH HQFRXUDJLQJ \RX WR PDLQWDLQ D EHWWHU ERG\ SRVLWLRQ LQ WKH ZDWHU ଀ EXVW VXSSRUW IRU DGGHG FRPIRUW DQG VHFXULW\ ଀ &RPIRUW VWUDSV VRIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQà«·W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83) /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR )LW .LFNEDFN % %ODFN 7XUTXRLVH (OHFWULF 3LQN

6SHHGR )LW .LFNEDFN % %ODFN %HDXWLIXO %OXH 6SHDUPLQW

%ODFN 7XUTXRLVH

%ODFN %HDXWLIXO %OXH

6SHHGR )LW .LFNEDFN 1HZ

6SHHGR )LW .LFNEDFN 1HZ

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

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ EXVW VXSSRUW IRU DGGHG FRPIRUW DQG VHFXULW\ ଀ &RPIRUW VWUDSV VRIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ EXVW VXSSRUW IRU DGGHG FRPIRUW DQG VHFXULW\ ଀ &RPIRUW VWUDSV VRIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6SHHGR )LW 7DQNLQL .LFNEDFN % %ODFN %HDXWLIXO %OXH 6SHDUPLQW

6SHHGR )LW /HJVXLW .LFNEDFN % %ODFN 9LWD *UH\ (OHFWULF 3LQN

%ODFN %HDXWLIXO %OXH

%ODFN 9LWD *UH\

6SHHGR )LW 7DQNLQL .LFNEDFN 1HZ

6SHHGR )LW /HJVXLW .LFNEDFN 1HZ

2IIHULQJ H[WUD FRYHUDJH FRPIRUW VWUDSV DQG EXVW VXSSRUW VR \RX OO IHHO FRPIRUWDEOH WKURXJKRXW \RXU VZLP VHVVLRQV 0DGH IURP (QGXUDQFH 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 (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ EXVW VXSSRUW IRU DGGHG FRPIRUW DQG VHFXULW\ ଀ &RPIRUW VWUDSV VRIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ EXVW VXSSRUW IRU DGGHG FRPIRUW DQG VHFXULW\ ଀ &RPIRUW VWUDSV VRIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

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

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

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

/HJVXLW (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR )LW 6SOLFH 0XVFOHEDFN % %ODFN (OHFWULF 3LQN 7XUTXRLVH

6SHHGR )LW 6SOLFH 0XVFOHEDFN % 1DY\ /LPH 3XQFK 6SHDUPLQW

%ODFN (OHFWULF 3LQN

1DY\ /LPH 3XQFK

6SHHGR )LW 6SOLFH 0XVFOHEDFN 1HZ

6SHHGR )LW 6SOLFH 0XVFOHEDFN 1HZ

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

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

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ %XVW VXSSRUW IRU H[WUD FRPIRUW DQG FRQILGHQFH ଀ &RPIRUW VWUDSV VRIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ %RG\ 3RVLWLRQLQJ 6ZLPZHDU ଀ %XVW VXSSRUW IRU H[WUD FRPIRUW DQG FRQILGHQFH ଀ &RPIRUW VWUDSV VRIWHU VPRRWKHU VWUDSV HQKDQFH FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


)HPDOH 0DLQOLQH

6RODU )L]] 3ODFHPHQW 'LJLWDO 3RZHUEDFN % %ODFN (OHFWULF 3LQN $PHWK\VW

6RODU 6XUIDFH 3ODFHPHQW 'LJLWDO 3RZHUEDFN % 1DY\ /DYD 5HG %RQGL

%ODFN (OHFWULF 3LQN

1DY\ /DYD 5HG

6RODU )L]] 3ODFHPHQW 'LJLWDO 3RZHUEDFN 1HZ )HDWXULQJ D KHDG WXUQLQJ VRODU SULQW WKLV SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

6RODU 6XUIDFH 3ODFHPHQW 'LJLWDO 3RZHUEDFN 1HZ 6WDQG RXW RQ UDFH GD\ )HDWXULQJ D VKRZ VWRSSLQJ VRODU LQVSLUHG SULQW WKLV SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFH 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 ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83) /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

/XQDU 9LVLRQ 3ODFHPHQW 'LJLWDO 3RZHUEDFN % %ODFN (OHFWULF 3LQN /DYD 5HG

(OHFWULF (FOLSVH 3ODFHPHQW 'LJLWDO 5LSSOHEDFN % %ODFN /LPH 3XQFK %RQGL +RW

%ODFN (OHFWULF 3LQN

%ODFN /LPH 3XQFK

/XQDU 9LVLRQ 3ODFHPHQW 'LJLWDO 3RZHUEDFN 1HZ

(OHFWULF (FOLSVH 3ODFHPHQW 'LJLWDO 5LSSOHEDFN 1HZ

)HDWXULQJ D KHDG WXUQLQJ OXQDU SULQW WKLV SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

7KLV HOHFWULF GHVLJQ ZLOO VHW \RX DSDUW IURP WKH FRPSHWLWLRQ ,GHDO IRU WUDLQLQJ WKH KLJK FXW OHJ DQG WKLQ VWUDSV SURYLGH WRWDO IUHHGRP RI PRYHPHQW HQVXULQJ QRWKLQJ KROGV \RX EDFN RQ UDFH GD\ 0DGH IURP (QGXUDQFH 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 ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83) /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

)HDWXUHV ଀ 5LSSOHEDFN GHVLJQ RIIHUV VXSHUE IUHHGRP RI PRYHPHQW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

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

+LJK (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[


*URRYH *ORZ 3ODFHPHQW 3RZHUEDFN % %ODFN (OHFWULF 3LQN /LPH 3XQFK

6RODU *OHDP $OORYHU 3RZHUEDFN % 1DY\ %RQGL -DSDQ %OXH /DYD

%ODFN (OHFWULF 3LQN

1DY\ %RQGL

*URRYH *ORZ 3ODFHPHQW 3RZHUEDFN 1HZ

6RODU *OHDP $OORYHU 3RZHUEDFN 1HZ

6WDQG RXW RQ WKH EORFNV 7KLV VWULNLQJ GHVLJQ ZLOO VHW \RX DSDUW IURP WKH FRPSHWLWLRQ ZKLOVW WKH SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW WR HQVXUH QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

6WDQG RXW DW WKH SRRO LQ WKLV VRODU LQVSLUHG SRZHUEDFN ZKLFK RIIHUV VXSHUE IUHHGRP RI PRYHPHQW WR HQVXUH QRWKLQJ KROGV \RX EDFN LQ WKH SRRO )HDWXULQJ (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU )HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83) /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

$VWURVWDU $OORYHU 3RZHUEDFN % %ODFN (OHFWULF 3LQN /LPH 3XQFK

&RVPLF 3RLQW $OORYHU 7KLQVWUDS 0XVFOHEDFN % (OHFWULF 3LQN +RW 2UDQJH -DIID

%ODFN (OHFWULF 3LQN

(OHFWULF 3LQN +RW 2UDQJH

$VWURVWDU $OORYHU 3RZHUEDFN 1HZ

&RVPLF 3RLQW $OORYHU 7KLQVWUDS 0XVFOHEDFN 1HZ

,QVSLUHG E\ WKH VRODU V\VWHP WKLV FRORXUIXO SRZHUEDFN RIIHUV VXSHUE IUHHGRP RI PRYHPHQW WR HQVXUH QRWKLQJ KROGV \RX EDFN LQ WKH SRRO )HDWXULQJ (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV FRVPLF GHVLJQ ZLOO ORRN JUHDW DW WKH SRRO 7KDQNV WR LWV WKLQ VWUDSV DQG PXVFOHEDFN VW\OH WKLV VZLPVXLW DOORZV \RX WR WUDLQ LQ FRPIRUW ZLWKRXW IHHOLQJ UHVWULFWHG )HDWXULQJ (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 7KLQ 6WUDS 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V


%RRP $OORYHU 0XVFOHEDFN % %HDXWLIXO %OXH %ODFN

%RRP $OORYHU 0XVFOHEDFN % %ODFN :KLWH

%HDXWLIXO %OXH %ODFN

%ODFN :KLWH

%RRP $OORYHU 0XVFOHEDFN 1HZ

%RRP $OORYHU 0XVFOHEDFN

6WULNLQJ WKH SHUIHFW EDODQFH EHWZHHQ VSRUW\ DQG VW\OLVK 6SHHGR V VLJQDWXUH SULQW ERRP LV DYDLODEOH LQ D UDQJH RI IODWWHULQJ FRORXUV 7KH PXVFOHEDFN GHVLJQ DOORZV IRU IUHHGRP RI PRYHPHQW LQ WKH ZDWHU )HDWXULQJ (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

6WULNLQJ WKH SHUIHFW EDODQFH EHWZHHQ VSRUW\ DQG VW\OLVK 6SHHGR V VLJQDWXUH SULQW ERRP LV DYDLODEOH LQ D UDQJH RI IODWWHULQJ FRORXUV 7KH PXVFOHEDFN GHVLJQ DOORZV IRU IUHHGRP RI PRYHPHQW LQ WKH ZDWHU )HDWXULQJ (QGXUDQFH IDEULF ZKLFK 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 ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ )XOO\ OLQHG ZLWK FRQWUDVW FRORXU ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

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

%RRP $OORYHU 0XVFOHEDFN % 1DY\ /LPH 3XQFK

%ODFN (OHFWULF 3LQN

1DY\ /LPH 3XQFK

%RRP $OORYHU 0XVFOHEDFN

%RRP $OORYHU 0XVFOHEDFN 1HZ

6WULNLQJ WKH SHUIHFW EDODQFH EHWZHHQ VSRUW\ DQG VW\OLVK 6SHHGR V VLJQDWXUH SULQW ERRP LV DYDLODEOH LQ D UDQJH RI IODWWHULQJ FRORXUV 7KH PXVFOHEDFN GHVLJQ DOORZV IRU IUHHGRP RI PRYHPHQW LQ WKH ZDWHU )HDWXULQJ (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

6WULNLQJ WKH SHUIHFW EDODQFH EHWZHHQ VSRUW\ DQG VW\OLVK 6SHHGR V VLJQDWXUH SULQW ERRP LV DYDLODEOH LQ D UDQJH RI IODWWHULQJ FRORXUV 7KH PXVFOHEDFN GHVLJQ DOORZV IRU IUHHGRP RI PRYHPHQW LQ WKH ZDWHU )HDWXULQJ (QGXUDQFH IDEULF ZKLFK 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 ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ )XOO\ OLQHG ZLWK FRQWUDVW FRORXU ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


%RRP 6SOLFH 5DFHUEDFN $ %ODFN %HDXWLIXO %OXH

%RRP 6SOLFH 5DFHUEDFN % 1DY\ 6SHDUPLQW

%ODFN %HDXWLIXO %OXH

1DY\ 6SHDUPLQW

%RRP 6SOLFH 5DFHUEDFN 1HZ

%RRP 6SOLFH 5DFHUEDFN 1HZ

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW ERRP WKLV VZLPVXLW V UDFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV PRUH EDFN FRYHUDJH )HDWXULQJ (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW ERRP WKLV VZLPVXLW V UDFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV PRUH EDFN FRYHUDJH )HDWXULQJ (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 5DFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV LQFUHDVHG EDFN FRYHUDJH ଀ %XVW 6XSSRUW IRU H[WUD VXSSRUW DQG FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 5DFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV LQFUHDVHG EDFN FRYHUDJH ଀ %XVW 6XSSRUW IRU H[WUD VXSSRUW DQG FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

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

%RRP 6SOLFH 0XVFOHEDFN %ODFN 7XUTXRLVH

%ODFN /DYD 5HG

%ODFN 7XUTXRLVH

%RRP 6SOLFH 0XVFOHEDFN

%RRP 6SOLFH 0XVFOHEDFN 1HZ

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW ERRP WKLV VZLPVXLW V PXVFOHEDFN GHVLJQ DOORZV IRU JUHDW IUHHGRP RI PRYHPHQW )HDWXULQJ (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW ERRP WKLV VZLPVXLW V PXVFOHEDFN GHVLJQ DOORZV IRU JUHDW IUHHGRP RI PRYHPHQW )HDWXULQJ (QGXUDQFH 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 ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


%RRP 6SOLFH 0XVFOHEDFN 1DY\ /LPH 3XQFK

%RRP $OORYHU 3LHFH % %ODFN :KLWH

1DY\ /LPH 3XQFK

%ODFN :KLWH

%RRP 6SOLFH 0XVFOHEDFN 1HZ

%RRP $OORYHU 3LHFH 1HZ

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW ERRP WKLV VZLPVXLW V PXVFOHEDFN GHVLJQ DOORZV IRU JUHDW IUHHGRP RI PRYHPHQW )HDWXULQJ (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

%ULQJ D WRXFK RI VW\OH WR WKH SRRO ZLWK WKLV WZR SLHFH IHDWXULQJ 6SHHGR V VLJQDWXUH SULQW %RRP 0DGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU )HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ %XVW 6XSSRUW IRU H[WUD VXSSRUW DQG FRPIRUW ଀ )XOO\ OLQHG ZLWK FRQWUDVW FRORXU ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 0XVFOHEDFN GHVLJQ RIIHUV IOH[LELOLW\ DQG IUHHGRP RI PRYHPHQW VR \RX FDQ WUDLQ LQ FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83) /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%RRP $OORYHU 7DQNLQL % %HDXWLIXO %OXH %ODFN

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

%HDXWLIXO %OXH %ODFN

%ODFN /DYD 5HG

%RRP $OORYHU 7DQNLQL 1HZ

%RRP 6SOLFH /HJVXLW

,GHDO IRU WUDLQLQJ DQG SRRO EDVHG ILWQHVV FODVVHV WKLV VSRUW\ WDQNLQL ZLOO HQVXUH \RX IHHO FRPIRUWDEOH GXULQJ DFWLYH SRRO VHVVLRQV ,W SURPLVHV WR NHHS LWV VKDSH WKDQNV WR RXU H[FOXVLYH (QGXUDQFH IDEULF %XVW VXSSRUW HQKDQFHV \RXU FRPIRUW ZKLOH PLQLPLVLQJ PRYHPHQW GXULQJ WUDLQLQJ

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 (QGXUDQFH 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 ଀ %XVW 6XSSRUW IRU H[WUD VXSSRUW DQG FRPIRUW ଀ /HJ /HQJWK RIIHUV LQFUHDVHG FRYHUDJH ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ /HJVXLW LV SHUIHFW IRU VZLPPHUV ORRNLQJ IRU H[WUD FRYHUDJH ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

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

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

%X\V

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

/HJVXLW (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[


&RVPLF 0RWLRQ 3ODFHPHQW 3RZHUEDFN % %ODFN :KLWH

6WDUW 6KLIW 3ODFHPHQW 3RZHUEDFN % %ODFN /DYD 5HG

%ODFN :KLWH

%ODFN /DYD 5HG

&RVPLF 0RWLRQ 3ODFHPHQW 3RZHUEDFN 1HZ

6WDUW 6KLIW 3ODFHPHQW 3RZHUEDFN 1HZ

7KLV PRQRFKURPH VZLPVXLW IHDWXUHV D ERG\ VKDSLQJ SULQW WKDW LV LQVSLUHG E\ FRVPLF HQHUJ\ 7KH SRZHUEDFN VW\OH RIIHUV VXSHUE IUHHGRP RI PRYHPHQW HQVXULQJ QRWKLQJ KROGV \RX EDFN LQ WKH SRRO 0DGH IURP (QGXUDQFH 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 (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU )HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83) /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

6WDUW 6KLIW 3ODFHPHQW 3RZHUEDFN % 1DY\ /LPH 3XQFK 6SHDUPLQW

(VVHQWLDO &OLSEDFN %ODFN

1DY\ /LPH 3XQFK

%ODFN

6WDUW 6KLIW 3ODFHPHQW 3RZHUEDFN 1HZ

(VVHQWLDO &OLSEDFN

,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 (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

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 (QGXUDQFH IDEULF WKLV VXLW LV D JUHDW FKRLFH IRU VSD GD\V KROLGD\V DQG WULSV WR WKH SRRO

)HDWXUHV ଀ 3RZHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ LW LGHDO IRU WUDLQLQJ ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 8 EDFN VW\OLQJ IRU IUHHGRP RI PRYHPHQW ଀ %XVW 6XSSRUW IRU H[WUD VXSSRUW DQG FRPIRUW ଀ $GMXVWDEOH VWUDSV IRU DQ LPSURYHG ILW ଀ &OLSEDFN GHVLJQ IRU HDVH ZKHQ FKDQJLQJ ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[

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

/RZ (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V


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

6SRUWV /RJR 0HGDOLVW % %ODFN 6SHDUPLQW

%ODFN 9HJDV 3LQN

%ODFN 6SHDUPLQW

6SRUWV /RJR 0HGDOLVW

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 (QGXUDQFH 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 (QGXUDQFH 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 ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SRUWV /RJR 0HGDOLVW $ 1DY\ %HDXWLIXO %OXH

(VVHQWLDO (QGXUDQFH 0HGDOLVW 6SHHGR 1DY\

1DY\ %HDXWLIXO %OXH

6SHHGR 1DY\

6SRUWV /RJR 0HGDOLVW 1HZ

(VVHQWLDO (QGXUDQFH 0HGDOLVW

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 (QGXUDQFH 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

,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 ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83) /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[


(VVHQWLDO (QGXUDQFH 0HGDOLVW %ODFN

(VVHQWLDO (QGXUDQFH 0HGDOLVW 1HRQ %OXH

%ODFN

1HRQ %OXH

(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 ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

(VVHQWLDO (QGXUDQFH 0HGDOLVW )HG 5HG

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

)HG 5HG

%ODFN (OHFWULF 3LQN

(VVHQWLDO (QGXUDQFH 0HGDOLVW

6SOLFH 7KLQVWUDS 5DFHUEDFN

,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

7KLQ VWUDSV D UDFHUEDFN GHVLJQ DQG FRORXU FRQWUDVWLQJ VWUDSV HQVXUH WKLV VZLPVXLW LV VW\OLVK ZKLOVW RIIHULQJ PD[LPXP IUHHGRP RI PRYHPHQW LQ WKH SRRO 0DGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 0HGDOLVW GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG IOH[LELOLW\ PDNLQJ WKLV VXLW LGHDO IRU WUDLQLQJ ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 7KLQ 6WUDS 5DFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV LQFUHDVHG EDFN FRYHUDJH ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


+\GUDVXLW )OH[ %ODFN

6SOLFH 7KLQVWUDS 5DFHUEDFN % 1DY\ +RW 2UDQJH /LPH 3XQFK

%ODFN

1DY\ +RW 2UDQJH

+\GUDVXLW )OH[ 1HZ

6SOLFH 7KLQVWUDS 5DFHUEDFN 1HZ

)HDWXULQJ D KLJK QHFN DQG FORVHG EDFN GHVLJQ WKLV VZLPVXLW LV D PXVW IRU UHJXODU WUDLQLQJ VHVVLRQV 7KH VZLPVXLW KDV D EDFN ]LS ZLWK SXOOHU IRU HDVH RI WDNLQJ RQ DQG RII 0DGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLQ VWUDSV D UDFHUEDFN GHVLJQ DQG FRORXU FRQWUDVWLQJ VWUDSV HQVXUH WKLV VZLPVXLW LV VW\OLVK ZKLOVW RIIHULQJ PD[LPXP IUHHGRP RI PRYHPHQW LQ WKH SRRO 0DGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ +LJK QHFN VZLPVXLW RIIHUV FRPSOHWH FRYHUDJH FRPELQHG ZLWK IUHHGRP RI PRYHPHQW ଀ %XVW 6XSSRUW IRU H[WUD VXSSRUW DQG FRPIRUW ଀ %DFN =LS ZLWK H[WHQGHG SXOOHU IRU HDVH ZKHQ FKDQJLQJ ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ 7KLQ 6WUDS 5DFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV LQFUHDVHG EDFN FRYHUDJH ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

6SOLFH 7KLQVWUDS 5DFHUEDFN % (OHFWULF 3LQN /LPH 3XQFK %ODFN

(VVHQWLDO (QGXUDQFH /HJVXLW %ODFN

(OHFWULF 3LQN /LPH 3XQFK

%ODFN

6SOLFH 7KLQVWUDS 5DFHUEDFN 1HZ

(VVHQWLDO (QGXUDQFH /HJVXLW

7KLQ VWUDSV D UDFHUEDFN GHVLJQ DQG FRORXU FRQWUDVWLQJ VWUDSV HQVXUH WKLV VZLPVXLW LV VW\OLVK ZKLOVW RIIHULQJ PD[LPXP IUHHGRP RI PRYHPHQW LQ WKH SRRO 0DGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV FODVVLF OHJVXLW LV LGHDO IRU SURYLGLQJ H[WUD FRYHUDJH DQG LQFOXGHV EXVW VXSSRUW IRU HQKDQFHG FRPIRUW $ 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 ଀ 7KLQ 6WUDS 5DFHUEDFN GHVLJQ DLGV VKRXOGHU PRYHPHQW DQG RIIHUV LQFUHDVHG EDFN FRYHUDJH ଀ 6KDSH 5HWHQWLRQ ૱ IDEULF VWUHWFKHV VR \RX FDQ HQMR\ \RXU VZLP ZLWKRXW IHHOLQJ UHVWULFWHG UHWDLQV LWV VKDSH VZLP DIWHU VZLP ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ 6XQ 3URWHFWLRQ 83)

)HDWXUHV ଀ /HJVXLW LV SHUIHFW IRU VZLPPHUV ORRNLQJ IRU H[WUD FRYHUDJH ଀ %XVW 6XSSRUW IRU H[WUD VXSSRUW DQG FRPIRUW ଀ 4XLFN 'U\LQJ GHVLJQHG WR GU\ IDVWHU DIWHU \RXU ZRUNRXW ଀ &KORULQH 5HVLVWDQW IRU ODVWLQJ SHUIRUPDQFH VR \RXU VZLPVXLW ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO ଀ 6XQ 3URWHFWLRQ 83)

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

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

/HJVXLW (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[


7HHQ 0DLQOLQH

6RODU 3DYROD 'RXEOH &URVVEDFN % /LPH 3XQFK (OHFWULF 3LQN /DYD

%RRP )XQN 'RXEOH &URVVEDFN % 6SHDUPLQW %RQGL %OXH %ODFN

/LPH 3XQFK (OHFWULF 3LQN

6SHDUPLQW %RQGL %OXH

6RODU 3DYROD 'RXEOH &URVVEDFN 1HZ 6WDQG RXW LQ WKLV GDULQJ VZLPVXLW ZKLFK IHDWXUHV D YLEUDQW DEVWUDFW 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

%RRP )XQN '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 ଀ 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 ଀ 'RXEOH FURVVEDFN GHVLJQ FRPELQHV DQ RSHQ EDFN DQG WKLQ VWUDSV IRU PD[LPXP PRYHPHQW DQG VW\OH ଀ +LJK FXW ଀ 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 $YDLODEOH 6L]HV

+LJK (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

+LJK (QGXUDQFH 3RO\HVWHU 3%7

%X\V

*ORZ %DOO 'RXEOH &URVVEDFN % (OHFWULF 3LQN 6SHDUPLQW %RQGL

%RRP )XQN 3LHFH &URVVEDFN % 6SHDUPLQW %RQGL %OXH %ODFN

(OHFWULF 3LQN 6SHDUPLQW

6SHDUPLQW %RQGL %OXH

*ORZ %DOO 'RXEOH &URVVEDFN 1HZ

%RRP )XQN 3LHFH &URVVEDFN 1HZ

,QMHFW VRPH IXQ LQWR \RXU WUDLQLQJ VHVVLRQV LQ WKLV VWULNLQJ VZLPVXLW 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 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 ଀ 'RXEOH FURVVEDFN GHVLJQ FRPELQHV DQ RSHQ EDFN DQG WKLQ VWUDSV IRU PD[LPXP PRYHPHQW DQG VW\OH ଀ +LJK FXW ଀ 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 $YDLODEOH 6L]HV

+LJK (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V


6RODU 3DYROD 3LHFH &URVVEDFN % /LPH 3XQFK (OHFWULF 3LQN /DYD

*ORZ %DOO 3LHFH &URVVEDFN % (OHFWULF 3LQN 6SHDUPLQW %RQGL

/LPH 3XQFK (OHFWULF 3LQN

(OHFWULF 3LQN 6SHDUPLQW

6RODU 3DYROD 3LHFH &URVVEDFN 1HZ

*ORZ %DOO 3LHFH &URVVEDFN 1HZ

6WDQG RXW LQ WKLV VWULNLQJ WZR SLHFH ZKLFK IHDWXUHV D FRORXUIXO DEVWUDFW 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 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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


)HPDOH 6FXOSWXUH

$TXD%HDP 3LHFH % %ODFN :KLWH

$XUD*OHDP 3LHFH % 6SHHGR 1DY\ 2UFKLG 9LWD *UH\

%ODFN :KLWH

6SHHGR 1DY\ 2UFKLG

$TXD%HDP 3LHFH 1HZ 7KLV VRSKLVWLFDWHG SULQW LV SDUW RI 6SHHGRà«·V KRPDJH WR WKH /XQDU (FOLSVH D PRQRFKURPH SULQW LQVSLUHG E\ WKH PRRQOLJKW 7KH SULQW KHOSV KLGH DQ\ OXPSV DQG EXPSV ZKLOH WKH VZLPVXLWà«·V Y QHFNOLQH HORQJDWHV 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

$XUD*OHDP 3LHFH 1HZ )UHVK DQG DOOXULQJ WKLV VWULNLQJ SULQW LV LQVSLUHG E\ WKH /XQDU (FOLSVH $ VTXDUH QHFNOLQH DQG ORZ EDFN DGG WR WKH GUDPD ZKLOH YLVXDOO\ ZLGHQLQJ WKH XSSHU ERG\ WR VOLP DQG EDODQFH \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 ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 6TXDUH 1HFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ WKH KLSV ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

$TXD%HDP 3LHFH % 6SHHGR 1DY\ 2UFKLG 9LWD *UH\

/XQD/X[H 3ODFHPHQW 3LHFH % %ODFN :KLWH

6SHHGR 1DY\ 2UFKLG

%ODFN :KLWH

$TXD%HDP 3LHFH 1HZ

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

7KLV QDY\ DQG RUFKLG VZLPVXLW LV RQH RI 6SHHGRà«·V PRVW EHDXWLIXO SULQWV RI WKH VHDVRQ 7KH SULQW KHOSV KLGH DQ\ OXPSV DQG EXPSV ZKLOH WKH VZLPVXLWà«·V Y QHFNOLQH HORQJDWHV 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

7KLV VZLPVXLWà«·V PRRQOLJKW LQVSLUHG PRQRFKURPH SULQW LV SODFHG WR KHOS YLVXDOO\ VOLP WKH ERG\ 7KH 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 ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 6TXDUH 1HFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ WKH KLSV ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

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

/RZ ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


/XQD'UHDP 3ULQWHG 3LHFH % %ODFN 0RVV /LPH 3XQFK :KLWH

/XQD'UHDP 3LHFH % 9LWD *UH\ 6SHHGR 1DY\

%ODFN 0RVV

9LWD *UH\ 6SHHGR 1DY\

/XQD'UHDP 3ULQWHG 3LHFH 1HZ

/XQD'UHDP 3LHFH 1HZ

:LWK LWV UHWUR IHHO WKLV JRUJHRXV VZLPVXLW LV D JUHDW ZD\ WR JHW WKH KLJK ZDLVWHG ORRN 7KH EDQGHDX QHFNOLQH ZLOO PDNH D VPDOOHU EXVW ORRN FXUYLHU ZKLOH WKH H\H FDWFKLQJ SULQW GUDZV WKH H\H XS DQG DZD\ IURP \RXU KLSV %RWK GHVLJQ GHWDLOV FRPELQH WRJHWKHU WR FUHDWH DQ KRXUJODVV 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

:LWK LWV UHWUR IHHO WKLV JRUJHRXV VZLPVXLW LV D JUHDW ZD\ WR JHW WKH KLJK ZDLVWHG ORRN 7KH EDQGHDX QHFNOLQH ZLOO PDNH D VPDOOHU EXVW ORRN FXUYLHU ZKLOH WKH FRORXU EORFNLQJ GUDZV WKH H\H DZD\ IURP WKH GDUNHU ERWWRP KDOI %RWK GHVLJQ GHWDLOV FRPELQH WRJHWKHU WR FUHDWH DQ KRXUJODVV 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 ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 6TXDUH 1HFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ WKH KLSV ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 6TXDUH 1HFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ WKH KLSV ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

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

0HGLXP ;WUD /LIH /\FUD 3RO\HVWHU ;WUD /LIH (ODVWDQH

%X\V

%X\V

&U\VWDO*OHDP 3LHFH % 6SHHGR 1DY\ 9LWD *UH\ 2UFKLG

&U\VWDO*OHDP 3LHFH % %ODFN 0RVV /LPH 3XQFK

6SHHGR 1DY\ 9LWD *UH\

%ODFN 0RVV

&U\VWDO*OHDP 3LHFH 1HZ

&U\VWDO*OHDP 3LHFH 1HZ

&RORXU FRQWUDVWLQJ DQG D FOHYHUO\ SODFHG ZDLVWEDQG ERWK ZRUN LQ KDUPRQ\ ZLWK WKH VKDSH RI \RXU ERG\ WR YLVXDO VOLP \RXU VLOKRXHWWH DQG QDUURZ \RXU 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

&RORXU FRQWUDVWLQJ DQG D FOHYHUO\ SODFHG ZDLVWEDQG ERWK ZRUN LQ KDUPRQ\ ZLWK WKH VKDSH RI \RXU ERG\ WR YLVXDO VOLP \RXU VLOKRXHWWH DQG QDUURZ \RXU 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 ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

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

/RZ ;WUD /LIH /\FUD 3RO\HVWHU ;WUD /LIH (ODVWDQH

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

/RZ ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


$TXD-HZHO 3LHFH % 6SHHGR 1DY\ 9LWD *UH\ :KLWH

$TXD-HZHO 3LHFH % %ODFN 0RVV /LPH 3XQFK

6SHHGR 1DY\ 9LWD *UH\

%ODFN 0RVV

$TXD-HZHO 3LHFH 1HZ

$TXD-HZHO 3LHFH 1HZ

:LWK D Y QHFNOLQH DQG OD\HU ORRN SLSLQJ WKLV VWURQJ VSRUW\ VW\OH FKDQQHOV WKH FDWZDONà«·V QLQHWLHV UHYLYDO 7KH VZLPVXLWà«·V FOHYHU XVH RI FRORXU DQG FRQWUDVWLQJ XQGHU EXVW 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

:LWK D Y QHFNOLQH DQG OD\HU ORRN SLSLQJ WKLV VWURQJ VSRUW\ VW\OH FKDQQHOV WKH FDWZDONà«·V QLQHWLHV UHYLYDO 7KH VZLPVXLWà«·V FOHYHU XVH RI FRORXU DQG FRQWUDVWLQJ XQGHU EXVW 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 ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

6KLQHGUHDP 3ODFHPHQW 3LHFH % 6SHHGR 1DY\ 2UFKLG

6KLQHGUHDP 3ODFHPHQW 3LHFH % %ODFN %OXH %D\

6SHHGR 1DY\ 2UFKLG

%ODFN %OXH %D\

6KLQHGUHDP 3ODFHPHQW 3LHFH 1HZ

6KLQHGUHDP 3ODFHPHQW 3LHFH 1HZ

'HVLJQHG WR FUHDWH WKH LOOXVLRQ RI D VOLPPHU ZDLVW WKLV VZLPVXLW IHDWXUHV FRQWRXUHG SULQW SDQHOV DQG IODVKHV RI FRORXU WR GUDZ WKH H\H 7KH Y QHFNOLQH YLVXDOO\ OHQJWKHQV DQG VOLPV \RXU 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

'HVLJQHG WR FUHDWH WKH LOOXVLRQ RI D VOLPPHU ZDLVW WKLV VZLPVXLW IHDWXUHV FRQWRXUHG SULQW SDQHOV DQG IODVKHV RI FRORXU WR GUDZ WKH H\H 7KH Y QHFNOLQH YLVXDOO\ OHQJWKHQV DQG VOLPV \RXU 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 ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


&RQWRXUOX[H 3ULQWHG 3LHFH % 6SHHGR 1DY\ 2UFKLG 9LWD *UH\

&RQWRXUOX[H 3ULQWHG 3LHFH % %ODFN 0RVV /LPH 3XQFK :KLWH

6SHHGR 1DY\ 2UFKLG

%ODFN 0RVV

&RQWRXUOX[H 3ULQWHG 3LHFH 1HZ

&RQWRXUOX[H 3ULQWHG 3LHFH 1HZ

7KH &RQWRXUOX[H LV D FODVVLF ZLWK D WZLVW 7KH IHPLQLQH 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 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 ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

&RQWRXUOX[H 3LHFH % 6SHHGR 1DY\ 9LWD *UH\ 2UFKLG

&RQWRXUOX[H 3LHFH % %ODFN 0RVV /LPH 3XQFK

6SHHGR 1DY\ 9LWD *UH\

%ODFN 0RVV

&RQWRXUOX[H 3LHFH 1HZ

&RQWRXUOX[H 3LHFH 1HZ

7KH SHUIHFW FRPELQDWLRQ RI VSRUW\ DQG VW\OLVK WKH &RQWRXU/X[H LV D IODWWHULQJ RSWLRQ IRU VSD SRRO RU EHDFK &OHYHU XQGHU EXVW GHWDLOLQJ DQG D 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 SHUIHFW FRPELQDWLRQ RI VSRUW\ DQG VW\OLVK WKH &RQWRXU/X[H LV D IODWWHULQJ RSWLRQ IRU VSD SRRO RU EHDFK &OHYHU XQGHU EXVW GHWDLOLQJ DQG D 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 ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


&RQWRXUOX[H 3LHFH % %ODFN %OXH %D\ :KLWH

/XQD/XVWUH 3ULQWHG 3LHFH % %ODFN :KLWH

%ODFN %OXH %D\

%ODFN :KLWH

&RQWRXUOX[H 3LHFH 1HZ

/XQD/XVWUH 3ULQWHG 3LHFH 1HZ

7KH SHUIHFW FRPELQDWLRQ RI VSRUW\ DQG VW\OLVK WKH &RQWRXU/X[H LV D IODWWHULQJ RSWLRQ IRU VSD SRRO RU EHDFK &OHYHU XQGHU EXVW GHWDLOLQJ DQG D 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 /XQD/XVWUH LV DQ HOHJDQW EODFN VZLPVXLW ZLWK VXEWOH KLQWV RI PRQRFKURPH SULQW 7KH VZLPVXLWà«·V VTXDUH QHFNOLQH YLVXDOO\ 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 )HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 6TXDUH 1HFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ WKH KLSV ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

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

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

/XQD/XVWUH 3LHFH % %ODFN %OXH %D\

:DWHUJHP 3LHFH %ODFN

%ODFN %OXH %D\

%ODFN

/XQD/XVWUH 3LHFH 1HZ

:DWHUJHP 3LHFH

7KH /XQD/XVWUH LV DQ HOHJDQW GHVLJQ ZLWK D SRS RI FRORXU 7KH VZLPVXLWà«·V VTXDUH QHFNOLQH YLVXDOO\ 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

7KH OLWWOH EODFN GUHVV RI WKH ZDWHU 7KH HOHJDQW :DWHUJHP YLVXDOO\ OHQJWKHQV DQG QDUURZV WKH ERG\ IRU D IODWWHULQJ VOLPPLQJ HIIHFW 7KH VLJQDWXUH VW\OH KDV GHILQHG FXSV DQG D OLWWOH JHQWOH UXFKLQJ DURXQG WKH FOHDYDJH $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 ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 6TXDUH 1HFNOLQH ZLGHQV WKH XSSHU ERG\ EDODQFLQJ DQG VOLPPLQJ WKH KLSV ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[

)HDWXUHV ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU

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

/RZ ;WUD /LIH /\FUD 3RO\DPLGH ;WUD /LIH (ODVWDQH

%X\V


:DWHUJHP 3LHFH % %OXH %D\ %OXH %D\

:DWHUJHP 3LHFH 1HZ 7KH HOHJDQW :DWHUJHP YLVXDOO\ OHQJWKHQV DQG QDUURZV WKH ERG\ IRU D IODWWHULQJ VOLPPLQJ HIIHFW 7KH VLJQDWXUH VW\OH KDV GHILQHG FXSV DQG D OLWWOH JHQWOH UXFKLQJ DURXQG WKH FOHDYDJH $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 ଀ $OO RYHU %RG\ 6KDSLQJ ૱ 6SHHGR H[FOXVLYH OLJKWZHLJKW VKDSLQJ IDEULF JLYHV D VPRRWKHU VLOKRXHWWH ଀ 7XPP\ &RQWURO ૱ IDEULF WHFKQRORJ\ SURYLGHV VXSSRUW ZLWKRXW FRPSURPLVLQJ RQ FRPIRUW ଀ %XVW 6XSSRUW ૱ VKDSHV DQG IODWWHU WKH EXVW ZLWK DGMXVWDEOH VWUDSV HQVXULQJ JUHDW ILW ଀ 9 1HFNOLQH OHQJWKHQV DQG VOLPV WKH ERG\ ଀ 3RZHU )DEULF VXSSRUWV DQG VKDSHV WKH ERG\ ZLWKRXW WKH QHHG IRU D SRZHU OLQLQJ ଀ &KORULQH 5HVLVWDQFH ODVWLQJ XS WR [ ORQJHU WKDQ VWDQGDUG HODVWDQH ଀ ;WUD/LIH /<&5$ UHWDLQV LWV VKDSH DQG ILWV OLNH QHZ IRU ORQJHU /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/RZ ;WUD /LIH /\FUD 3RO\HVWHU ;WUD /LIH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[


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 Compression Technology Price

LZR RACER ELITE 2 JAMMER Compression Technology Price

OPEN WATER BODYSKIN Compression Technology Price

Both LZR Racer X and LZR Racer Elite 2 are available in 2 waist heights. Swimmers with a long torso will beneďŹ t 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 exibility.

CARE INFORMATION Fastskin suits need to be looked after to ensure they last as long as possible and perform at their best.

Keep away from sharp objects and long nails

Rinse immediately in clean cold water after use. Chlorine will damage the suit over time.

Avoid contact with direct heat. Keep away from the radiator and do not iron.

Wearing the suit for racing only will prolong the lifespan of the suit.


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.

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.

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 than previous suits.

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 % 9LROHW *ROG

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

9LROHW *ROG

%ODFN *ROG

)DVWVNLQ /=5 5DFHU ; -DPPHU 1HZ )HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ )ORUHQW 0DQDXGRX [ 2O\PSLF PHGDOOLVW '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$

)DVWVNLQ /=5 5DFHU ; -DPPHU )HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ )ORUHQW 0DQDXGRX [ 2O\PSLF PHGDOOLVW '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 ଀ 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 $YDLODEOH 6L]HV

/=5 3XOVH/LWH /=5 &RPSUH; 3RO\DPLGH (ODVWDQH 3RO\DPLGH (ODVWDQH

%X\V

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/=5 3XOVH/LWH /=5 &RPSUH; 3RO\DPLGH (ODVWDQH 3RO\DPLGH (ODVWDQH

%X\V

)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

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

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ )ORUHQW 0DQDXGRX [ 2O\PSLF PHGDOOLVW '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 [ 2O\PSLF PHGDOOLVW '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 $YDLODEOH 6L]HV

/=5 3XOVH/LWH /=5 &RPSUH; 3RO\DPLGH (ODVWDQH 3RO\DPLGH (ODVWDQH

%X\V

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/=5 3XOVH/LWH /=5 &RPSUH; 3RO\DPLGH (ODVWDQH 3RO\DPLGH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[


)DVWVNLQ /=5 5DFHU ; +LJK :DLVW -DPPHU % 9LROHW *ROG

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

9LROHW *ROG

%ODFN

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

)DVWVNLQ /=5 5DFHU (OLWH -DPPHU

)HHO XQVWRSSDEOH ZHDULQJ 6SHHGRà«·V ODWHVW LQQRYDWLRQ :RUQ E\ )ORUHQW 0DQDXGRX [ 2O\PSLF PHGDOOLVW '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$

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 UHSHOOHQFH :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 ଀ ,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 $YDLODEOH 6L]HV

/=5 3XOVH/LWH /=5 &RPSUH; 3RO\DPLGH (ODVWDQH 3RO\DPLGH (ODVWDQH

%X\V

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

)DVWVNLQ /=5 5DFHU (OLWH -DPPHU % 9LROHW 6LUHQ 5HG

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

9LROHW 6LUHQ 5HG

/DYD 5HG %ODFN

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

)DVWVNLQ /=5 5DFHU (OLWH -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 UHSHOOHQFH :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 UHSHOOHQFH :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 $YDLODEOH 6L]HV

/=5 3XOVH 3RO\DPLGH (ODVWDQH

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


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

)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$ )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 UHSHOOHQFH :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 $YDLODEOH 6L]HV

/=5 3XOVH 3RO\DPLGH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[


0DOH 6SHHGR )LW

6SHHGR )LW 3DQHO -DPPHU % 1DY\ /DYD 5HG 7XUTXRLVH

6SHHGR )LW 3DQHO -DPPHU % %ODFN 2[LG *UH\ /LPH 3XQFK

1DY\ /DYD 5HG

%ODFN 2[LG *UH\

6SHHGR )LW 3DQHO -DPPHU 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 (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

6SHHGR )LW 3DQHO -DPPHU 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 (QGXUDQFH 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 ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO

)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 ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO /HJ /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR )LW 3DQHO $TXDVKRUW % %ODFN 2[LG *UH\ /LPH 3XQFK

6SHHGR )LW 3DQHO $TXDVKRUW % 1DY\ /DYD 5HG 7XUTXRLVH

%ODFN 2[LG *UH\

1DY\ /DYD 5HG

6SHHGR )LW 3DQHO $TXDVKRUW 1HZ

6SHHGR )LW 3DQHO $TXDVKRUW 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 (QGXUDQFH 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 (QGXUDQFH 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 ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO

)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 ZRQ૷W GHJUDGH LQ WKH VZLPPLQJ SRRO

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

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6SHHGR )LW 6SOLFH -DPPHU % %ODFN 2[LG *UH\ 'DQXEH

6SHHGR )LW 6SOLFH -DPPHU % 1DY\ 7XUTXRLVH /DYD 5HG

%ODFN 2[LG *UH\

1DY\ 7XUTXRLVH

6SHHGR )LW 6SOLFH -DPPHU 1HZ

6SHHGR )LW 6SOLFH -DPPHU 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 (QGXUDQFH 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 (QGXUDQFH 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

)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

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

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR )LW 6SOLFH $TXDVKRUW % %ODFN 2[LG *UH\ 'DQXEH

6SHHGR )LW 6SOLFH $TXDVKRUW % 1DY\ 7XUTXRLVH /DYD 5HG

%ODFN 2[LG *UH\

1DY\ 7XUTXRLVH

6SHHGR )LW 6SOLFH $TXDVKRUW 1HZ

6SHHGR )LW 6SOLFH $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 (QGXUDQFH 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 (QGXUDQFH 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

)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

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

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6SHHGR )LW *UDSKLF -DPPHU %ODFN 'DQXEH

6SHHGR )LW *UDSKLF $TXDVKRUW %ODFN 'DQXEH

%ODFN 'DQXEH

%ODFN 'DQXEH

6SHHGR )LW *UDSKLF -DPPHU 1HZ

6SHHGR )LW *UDSKLF $TXDVKRUW 1HZ

*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 (QGXUDQFH 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 (QGXUDQFH 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

)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

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

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


0DOH 0DLQOLQH

3ODFHPHQW 'LJLWDO 9 -DPPHU % %ODFN +RW 2UDQJH 9LWD *UH\

3ODFHPHQW 'LJLWDO 9 $TXDVKRUW % %ODFN +RW 2UDQJH 9LWD *UH\

%ODFN +RW 2UDQJH

%ODFN +RW 2UDQJH

3ODFHPHQW 'LJLWDO 9 -DPPHU 1HZ 6WDQG RXW RQ UDFH GD\ 7KHVH VWULNLQJ FRPSHWLWLRQ MDPPHUV IHDWXUH DQ HOHFWULF SULQW DQG DUH GHVLJQHG WR SURPRWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU 7KLV VW\OH LQFOXGHV D GUDZVWULQJ ZDLVW IRU D PRUH VHFXUH ILW 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

3ODFHPHQW 'LJLWDO 9 $TXDVKRUW 1HZ 6WDQG RXW RQ UDFH GD\ 7KHVH VWULNLQJ FRPSHWLWLRQ DTXDVKRUWV IHDWXUH DQ HOHFWULF SULQW DQG DUH GHVLJQHG WR SURPRWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU 7KLV VW\OH LQFOXGHV D GUDZVWULQJ ZDLVW IRU D PRUH VHFXUH ILW 0DGH IURP (QGXUDQFH 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

)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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

$OORYHU 'LJLWDO FP %ULHI % %ODFN :KLWH %RQGL

$OORYHU 'LJLWDO 3DQHO $TXDVKRUW % %ODFN :KLWH %RQGL

%ODFN :KLWH

%ODFN :KLWH

$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 VHFXUH ILW 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HHO FRQILGHQW RQ UDFH GD\ LQ WKHVH VWULNLQJ FRPSHWLWLRQ DTXDVKRUWV )HDWXULQJ D VSOLFH RI GLJLWDO SULQW WKLV VW\OH LQFOXGHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 0DGH IURP (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[


$OORYHU 'LJLWDO 3DQHO -DPPHU % %ODFN :KLWH %RQGL

$OORYHU FP %ULHI % 1DY\ %RQGL /DYD 5HG

%ODFN :KLWH

1DY\ %RQGL

$OORYHU 'LJLWDO 3DQHO -DPPHU 1HZ

$OORYHU FP %ULHI 1HZ

)HHO FRQILGHQW RQ UDFH GD\ LQ WKHVH VWULNLQJ FRPSHWLWLRQ MDPPHUV )HDWXULQJ D VSOLFH RI GLJLWDO SULQW WKLV VW\OH LQFOXGHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

6WDQG RXW GXULQJ \RXU WUDLQLQJ VHVVLRQV LQ VWULNLQJ EULHIV )HDWXULQJ DQ DEVWUDFW SULQW WKLV VW\OH LQFOXGHV D GUDZVWULQJ ZDLVW IRU D PRUH VHFXUH ILW 0DGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)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

)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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

$OORYHU 9 $TXDVKRUW % 1DY\ %RQGL /DYD 5HG

$OORYHU 9 -DPPHU % 1DY\ %RQGL /DYD 5HG

1DY\ %RQGL

1DY\ %RQGL

$OORYHU 9 $TXDVKRUW 1HZ

$OORYHU 9 -DPPHU 1HZ

6WDQG RXW GXULQJ \RXU WUDLQLQJ VHVVLRQV LQ WKHVH YLEUDQW DTXDVKRUWV )HDWXULQJ DQ DEVWUDFW SULQW DQG DUH GHVLJQHG WR SURPRWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU 7KLV VW\OH LQFOXGHV D GUDZVWULQJ ZDLVW IRU D PRUH VHFXUH ILW 0DGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

6WDQG RXW GXULQJ \RXU WUDLQLQJ VHVVLRQV 7KHVH VWULNLQJ FRPSHWLWLRQ MDPPHUV IHDWXUH DQ DEVWUDFW SULQW DQG DUH GHVLJQHG WR SURPRWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU 7KLV VW\OH LQFOXGHV D GUDZVWULQJ ZDLVW IRU D PRUH VHFXUH ILW 0DGH IURP (QGXUDQFH 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\ ଀ ,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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V


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

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

%ODFN :KLWH

%ODFN 2[LG *UH\

%RRP 6SOLFH FP %ULHI

%RRP 6SOLFH FP %ULHI

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

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

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ /HJ OHQJWK FP ଀ 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\ ଀ /HJ OHQJWK FP ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

%RRP 6SOLFH FP %ULHI % %ODFN 7XUTXRLVH

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

%ODFN 7XUTXRLVH

%ODFN :KLWH

%RRP 6SOLFH FP %ULHI 1HZ

%RRP 6SOLFH $TXDVKRUW

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

)HDWXULQJ 6SHHGR V 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 (QGXUDQFH IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ /HJ OHQJWK FP ଀ 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\ ଀ /HJ OHQJWK FP ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


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

%RRP 6SOLFH $TXDVKRUW % %ODFN 7XUTXRLVH

%ODFN 2[LG *UH\

%ODFN 7XUTXRLVH

%RRP 6SOLFH $TXDVKRUW

%RRP 6SOLFH $TXDVKRUW 1HZ

)HDWXULQJ 6SHHGR V 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 (QGXUDQFH IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

)HDWXULQJ 6SHHGR V 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 (QGXUDQFH IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ /HJ OHQJWK FP ଀ 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\ ଀ /HJ OHQJWK FP ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

%RRP 6SOLFH $TXDVKRUW % 1DY\ /LPH 3XQFK

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

1DY\ /LPH 3XQFK

%ODFN :KLWH

%RRP 6SOLFH $TXDVKRUW 1HZ

%RRP 6SOLFH -DPPHU

)HDWXULQJ 6SHHGR V 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 (QGXUDQFH 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 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 (QGXUDQFH IDEULF WKH\ RIIHU WRWDO IUHHGRP RI PRYHPHQW VR \RX FDQ IRFXV RQ \RXU VZLP

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ /HJ OHQJWK FP ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ ,QWHJUDO VXSSRUW IRU HQKDQFHG FRPIRUW ଀ /HJ OHQJWK FP ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V


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

%RRP 6SOLFH -DPPHU % %ODFN 7XUTXRLVH

%ODFN 2[LG *UH\

%ODFN 7XUTXRLVH

%RRP 6SOLFH -DPPHU

%RRP 6SOLFH -DPPHU 1HZ

*UHDW IRU ILWQHVV WUDLQLQJ DQG IHDWXULQJ D VSOLFH RI 6SHHGR V 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 (QGXUDQFH 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 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 (QGXUDQFH 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 ଀ /HJ OHQJWK FP ଀ 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 ଀ /HJ OHQJWK FP ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

/RJR 3DQHO $TXDVKRUW %ODFN 'DQXEH

/RJR 3DQHO $TXDVKRUW 1DY\ /LPH 3XQFK

%ODFN 'DQXEH

1DY\ /LPH 3XQFK

/RJR 3DQHO $TXDVKRUW 1HZ

/RJR 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 (QGXUDQFH 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 0DGH XVLQJ (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


3ODFHPHQW &XUYH 3DQHO $TXDVKRUW % %ODFN 2[LG *UH\ 7XUTXRLVH

3ODFHPHQW &XUYH 3DQHO $TXDVKRUW % %ODFN /DYD 5HG 2[LG *UH\

%ODFN 2[LG *UH\

Black / Lava Red

3ODFHPHQW &XUYH 3DQHO $TXDVKRUW 1HZ

3ODFHPHQW &XUYH 3DQHO $TXDVKRUW 1HZ

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

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

3ODFHPHQW &XUYH 3DQHO $TXDVKRUW % 1DY\ 6XQVHW 2UDQJH

3ODFHPHQW &XUYH 3DQHO -DPPHU % 1DY\ 6XQVHW 2UDQJH

1DY\ 6XQVHW 2UDQJH

1DY\ 6XQVHW 2UDQJH

3ODFHPHQW &XUYH 3DQHO $TXDVKRUW 1HZ

3ODFHPHQW &XUYH 3DQHO -DPPHU 1HZ

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

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V


3ODFHPHQW FP %ULHI % %ODFN 7XUTXRLVH /DYD 5HG

3ODFHPHQW 3DQHO $TXDVKRUW % %ODFN 7XUTXRLVH /DYD 5HG

%ODFN 7XUTXRLVH

%ODFN 7XUTXRLVH

3ODFHPHQW FP %ULHI 1HZ

3ODFHPHQW 3DQHO $TXDVKRUW 1HZ

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

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ P 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\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

3ODFHPHQW 3DQHO -DPPHU % %ODFN 7XUTXRLVH /DYD 5HG

3ODFHPHQW $TXDVKRUW % %ODFN 2[LG *UH\ :KLWH

%ODFN 7XUTXRLVH

%ODFN 2[LG *UH\

3ODFHPHQW 3DQHO -DPPHU 1HZ

3ODFHPHQW $TXDVKRUW 1HZ

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

/LJKW XS WKH SRRO )HDWXULQJ DQ H\H FDWFKLQJ HOHFWULF SULQW WKHVH FRPSHWLWLRQ DTXDVKRUWV LQFOXGH D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 0DGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

)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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[


9DOPLOWRQ $TXDVKRUW % 1DY\ 6XQVHW 2UDQJH 'DQXEH

9DOPLOWRQ $TXDVKRUW % 1DY\ 8VD &KDUFRDO /LJKW

1DY\ 6XQVHW 2UDQJH

1DY\ 8VD &KDUFRDO

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 (QGXUDQFH 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 FKHFNHG DTXDVKRUW LV PDGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

9DOPLOWRQ $TXDVKRUW % %ODFN 8VD &KDUFRDO 6N\

8CNOKNVQP #SWCUJQTV $ $NCEM 1ZKF )TG[

%ODFN 8VD &KDUFRDO

$NCEM 1ZKF )TG[

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 (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU )HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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 /HQJWK FP )DEULF 'HVFULSWLRQ (QGXUDQFH )DEULF &RPSRVLWLRQ 3RO\DPLGH (ODVWDQH $YDLODEOH 6L]HV %X\V

8CNOKNVQP #SWCUJQTV 0GY

6SHHGR 6 )UDEHQHOX[

8GTUCVKNG GPQWIJ VQ VCMG [QW HTQO HKVPGUU VTCKPKPI KP VJG RQQN VQ JQNKFC[U QP VJG DGCEJ VJKU UV[NKUJ RTKPVGF CSWCUJQTV KU OCFG HTQO 'PFWTCPEGŠ HCDTKE YJKEJ HKVU NKMG PGY HQT NQPIGT (GCVWTGU r &TCYUVTKPI 9CKUV (QT GPJCPEGF HKV CPF UGEWTKV[ r %QOHQTVCDNG HKV sHCDTKE UVTGVEJGU UQ [QW ECP GPLQ[ [QWT UYKO YKVJQWV HGGNKPI TGUVTKEVGF r &WTCDNG SWKEM FT[KPI UQHV VQ VQWEJ CPF OQTG TGUKUVCPV VQ UWPUETGGP VJCP VTCFKVKQPCN UYKO HCDTKEU r 5JCRG TGVCKPKPI 'PFWTCPEG HCDTKE HKVU NKMG PGY HQT NQPIGT .GI *GKIJV (CDTKE &GUETKRVKQP (CDTKE %QORQUKVKQP

EO 'PFWTCPEGŠ 2QN[COKFG 'NCUVCPG

$W[U

#XCKNCDNG UK\GU


9DOPLOWRQ $TXDVKRUW % 1DY\ 8VD &KDUFRDO

(VVHQWLDO 3ULQWHG FP %ULHI % 1DY\ 8VD &KDUFRDO

1DY\ 8VD &KDUFRDO

1DY\ 8VD &KDUFRDO

9DOPLOWRQ $TXDVKRUW 1HZ

(VVHQWLDO 3ULQWHG FP %ULHI 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 (QGXUDQFH 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 EULHI LV PDGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

! FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SRUWV /RJR $TXDVKRUW $ %ODFN 8VD &KDUFRDO

6SRUWV /RJR $TXDVKRUW % 1DY\ 6XQVHW 2UDQJH

%ODFN 8VD &KDUFRDO

1DY\ 6XQVHW 2UDQJH

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 (QGXUDQFH 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 (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6SRUWV /RJR $TXDVKRUW % %ODFN :KLWH

6SRUWV /RJR $TXDVKRUW % %ODFN 7XUTXRLVH

%ODFN :KLWH

%ODFN 7XUTXRLVH

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 ZKLWH 6SHHGR ORJR 0DGH IURP (QGXUDQFH 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 WXUTXRLVH 6SHHGR ORJR 0DGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SRUWV /RJR -DPPHU $ %ODFN 8VD &KDUFRDO

6SRUWV /RJR -DPPHU % 1DY\ 6XQVHW 2UDQJH

%ODFN 8VD &KDUFRDO

1DY\ 6XQVHW 2UDQJH

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 (QGXUDQFH 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 DQ RUDQJH 6SHHGR ORJR 0DGH IURP (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


(VVHQWLDO /RJR FP %ULHI %ODFN 2[LG *UH\

9DOPLOWRQ $TXDVKRUW %ODFN 'DQXEH

%ODFN 2[LG *UH\

%ODFN 'DQXEH

(VVHQWLDO /RJR FP %ULHI 1HZ

9DOPLOWRQ $TXDVKRUW 1HZ

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

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

(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 (QGXUDQFH 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 (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


(VVHQWLDO &ODVVLF $TXDVKRUW %ODFN

(VVHQWLDO 6SOLFH $TXDVKRUW %ODFN 8VD &KDUFRDO

%ODFN

%ODFN 8VD &KDUFRDO

(VVHQWLDO &ODVVLF $TXDVKRUW

(VVHQWLDO 6SOLFH $TXDVKRUW 1HZ

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

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

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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

)HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

(VVHQWLDO (QGXUDQFH -DPPHU %ODFN

(VVHQWLDO +RXVWRQ $TXDVKRUW %ODFN

%ODFN

%ODFN

(VVHQWLDO (QGXUDQFH -DPPHU

(VVHQWLDO +RXVWRQ $TXDVKRUW

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 (QGXUDQFH 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 FODVVLF EODFN DTXDVKRUW LV PDGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU )HDWXUHV ଀ 'UDZVWULQJ :DLVW )RU HQKDQFHG ILW DQG VHFXULW\ ଀ 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 ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V


7HHQ 0DLQOLQH

%RRP )XQN $OORYHU 9 -DPPHU % 6SHDUPLQW %RQGL %OXH %ODFN

%RRP )XQN FP $OORYHU %ULHI % 6SHDUPLQW %RQGL %OXH %ODFN

6SHDUPLQW %RQGL %OXH

6SHDUPLQW %RQGL %OXH

%RRP )XQN $OORYHU 9 -DPPHU 1HZ 7XUQ KHDGV LQ WKLV FRORXUIXO MDPPHU 7KH GUDZVWULQJ ZDLVW DOORZV IRU D VHFXUH ILW ZKLOVW WKH 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

%RRP )XQN FP $OORYHU %ULHI 1HZ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6RODU 3DYROD FP $OORYHU %ULHI % /LPH 3XQFK (OHFWULF 3LQN /DYD

6RODU 3DYROD $OORYHU 9 -DPPHU % /LPH 3XQFK (OHFWULF 3LQN /DYD

/LPH 3XQFK (OHFWULF 3LQN

/LPH 3XQFK (OHFWULF 3LQN

6RODU 3DYROD FP $OORYHU %ULHI 1HZ

6RODU 3DYROD $OORYHU 9 -DPPHU 1HZ

6WDQG RXW LQ WKLV DTXDVKRUW ZKLFK IHDWXUHV D YLEUDQW DEVWUDFW 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 MDPPHU 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


*ORZ %DOO FP $OORYHU %ULHI % (OHFWULF 3LQN 6SHDUPLQW %RQGL (OHFWULF 3LQN 6SHDUPLQW

*ORZ %DOO FP $OORYHU %ULHI 1HZ ,QMHFW VRPH IXQ LQWR \RXU WUDLQLQJ VHVVLRQV LQ WKLV VWULNLQJ DTXDVKRUW 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 ଀ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[


Watershorts Packed full of great technology, versatile and stylish; our watershorts are perfect for pool, beach and holiday wear. Pocket drainage Thanks to their clever pocket drainage system, our watershorts won’t waterlog, fill with sand or become heavily weighed down Comfort A variety of leg lengths and range of waist bands ensure a comfortable and easy fit Water repellent “Water-logging” is prevented, meaning our watershorts will stay light and easy to move in Fabric Our soft, lightweight fabrics are durable with strengthened seams, meaning they can withstand beach and pool activities. Quick drying For superb comfort, our watershorts dry quickly Stylish The original watershorts since 1928; our range includes remixed classics and eyecatching new prints.


0DOH 0DLQOLQH

6SRUW 6SOLFH :DWHUVKRUW % 1DY\ /LPH 3XQFK 8VD &KDUFRDO

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

1DY\ /LPH 3XQFK

2[LG *UH\ 'DQXEH

6SRUW 6SOLFH :DWHUVKRUW 1HZ 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

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

)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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

%X\V

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

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

%X\V

&RORXU %ORFN :DWHUVKRUW %ODFN 7XUTXRLVH

&RORXU %ORFN :DWHUVKRUW 1DY\ 6XQVHW 2UDQJH

%ODFN 7XUTXRLVH

1DY\ 6XQVHW 2UDQJH

&RORXU %ORFN :DWHUVKRUW 1HZ

&RORXU %ORFN :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

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

)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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


9LQWDJH 3ULQWHG :DWHUVKRUW % 6N\ 'HQLP %OXH

9LQWDJH 3ULQWHG :DWHUVKRUW % 'LVFRYHU\ *UHHQ :KLWH

6N\ 'HQLP %OXH

'LVFRYHU\ *UHHQ :KLWH

9LQWDJH 3ULQWHG :DWHUVKRUW 1HZ

9LQWDJH 3ULQWHG :DWHUVKRUW 1HZ

6W\OLVKO\ SULQWHG ZLWK ODUJH OHDYHV WKHVH VN\ FRORXUHG 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

6W\OLVKO\ SULQWHG ZLWK ODUJH OHDYHV WKHVH JUHHQ 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 ଀ )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

)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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

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

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

%X\V

%X\V

9LQWDJH &RQWUDVW :DWHUVKRUW % 0DUPDODGH 'HQLP %OXH

9LQWDJH &RQWUDVW :DWHUVKRUW % 'HQLP %OXH 0DUPDODGH

0DUPDODGH 'HQLP %OXH

'HQLP %OXH 0DUPDODGH

9LQWDJH &RQWUDVW :DWHUVKRUW 1HZ

9LQWDJH &RQWUDVW :DWHUVKRUW 1HZ

7KHVH YLQWDJH VW\OH VZLP VKRUWV IHDWXUH D VW\OLVK FRQWUDVWLQJ ZDLVWEDQG DQG DUH 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

7KHVH YLQWDJH VW\OH VZLP VKRUWV IHDWXUH D VW\OLVK FRQWUDVWLQJ ZDLVWEDQG DQG DUH 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 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

)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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

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

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


9LQWDJH 3ULQWHG :DWHUVKRUW % %ODFN 8VD &KDUFRDO 6N\

9LQWDJH 3ULQWHG :DWHUVKRUW % 'LVFRYHU\ *UHHQ 'HQLP %OXH

%ODFN 8VD &KDUFRDO

'LVFRYHU\ *UHHQ 'HQLP %OXH

9LQWDJH 3ULQWHG :DWHUVKRUW 1HZ

9LQWDJH 3ULQWHG :DWHUVKRUW 1HZ

7KHVH YLQWDJH VW\OH VZLP VKRUWV DUH D VW\OLVK FKRLFH IRU WKH SRRO EHDFK RU 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 YLQWDJH VW\OH VZLP VKRUWV DUH D VW\OLVK FKRLFH IRU WKH SRRO EHDFK RU 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 ଀ (ODVWLFDWHG ZDLVW ZLWK GUDZVWULQJ 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 ଀ (ODVWLFDWHG ZDLVW ZLWK GUDZVWULQJ 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

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

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

%X\V

%X\V

3ULQWHG /HLVXUH :DWHUVKRUW % 'HQLP %OXH 0DUPDODGH

3ULQWHG /HLVXUH :DWHUVKRUW % %ODFN 8VD &KDUFRDO :KLWH

'HQLP %OXH 0DUPDODGH

%ODFN 8VD &KDUFRDO

3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

7KHVH SULQWHG 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

7KHVH SULQWHG 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

)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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

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

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


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

3ULQWHG /HLVXUH :DWHUVKRUW % /DYD 5HG :KLWH

1DY\ :KLWH

/DYD 5HG :KLWH

3ULQWHG /HLVXUH :DWHUVKRUW

3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

)HDWXULQJ D FODVVLF QDY\ DQG ZKLWH VWULSH 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

)HDWXULQJ D WLPHOHVV VWULSH 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

)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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

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

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

%X\V

%X\V

3ULQWHG &KHFN /HLVXUH :DWHUVKRUW % 1DY\ /LJKW $GULDWLF /DYD 5HG

3ULQWHG &KHFN /HLVXUH :DWHUVKRUW % %ODFN 8VD &KDUFRDO /LPH

1DY\ /LJKW $GULDWLF

%ODFN 8VD &KDUFRDO

3ULQWHG &KHFN /HLVXUH :DWHUVKRUW 1HZ

3ULQWHG &KHFN /HLVXUH :DWHUVKRUW 1HZ

7KHVH VZLP VKRUWV IHDWXUH D VW\OLVK FKHFN GHVLJQ GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW PDNLQJ WKHP D JUHDW FKRLFH 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 GUDZVWULQJ ZDLVW IRU D FRPIRUWDEOH ILW PDNLQJ WKHP D JUHDW FKRLFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

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

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


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

<' &KHFN /HLVXUH :DWHUVKRUW % 1DY\ 6XQVHW 2UDQJH 'DQXEH

%ODFN 2[LG *UH\

1DY\ 6XQVHW 2UDQJH

<' &KHFN /HLVXUH :DWHUVKRUW

<' &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 IODW IURQWHG ZDLVWEDQG FRPELQHG ZLWK DQ HODVWLFDWHG UHDU IRU D WDLORUHG EXW FRPIRUWDEOH ORRN 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 IODW IURQWHG ZDLVWEDQG FRPELQHG ZLWK DQ HODVWLFDWHG UHDU IRU D WDLORUHG EXW FRPIRUWDEOH ORRN 3HUIHFW IRU SRRO EHDFK DQG KROLGD\ ZHDU

)HDWXUHV ଀ )ODW IURQW ZLWK DQ HODVWLFDWHG UHDU 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 ZLWK DQ HODVWLFDWHG UHDU 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

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

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

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

%X\V

%X\V

<' &KHFN /HLVXUH :DWHUVKRUW % 1DY\ 8VD &KDUFRDO /LJKW

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

1DY\ 8VD &KDUFRDO

1DY\ /DYD 5HG

<' &KHFN /HLVXUH :DWHUVKRUW 1HZ

<' &KHFN /HLVXUH :DWHUVKRUW

7KHVH VW\OLVK VZLP VKRUWV RIIHU D PRGHUQ WZLVW RQ D WUDGLWLRQDO FKHFN GHVLJQ 4XLFN GU\LQJ DQG FRPIRUWDEOH ZLWK D IODW IURQWHG ZDLVWEDQG FRPELQHG ZLWK DQ HODVWLFDWHG UHDU IRU D WDLORUHG EXW FRPIRUWDEOH ORRN 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 IODW IURQWHG ZDLVWEDQG FRPELQHG ZLWK DQ HODVWLFDWHG UHDU IRU D WDLORUHG EXW FRPIRUWDEOH ORRN 3HUIHFW IRU SRRO EHDFK DQG KROLGD\ ZHDU

)HDWXUHV ଀ )ODW IURQW ZLWK DQ HODVWLFDWHG UHDU 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 ZLWK DQ HODVWLFDWHG UHDU 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

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

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

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

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


&KHFN 7ULP /HLVXUH :DWHUVKRUW % %ODFN 2[LG *UH\

&KHFN 7ULP /HLVXUH :DWHUVKRUW % 'DQXEH 6XQVHW

%ODFN 2[LG *UH\

'DQXEH 6XQVHW

&KHFN 7ULP /HLVXUH :DWHUVKRUW

&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 ଀ '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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

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

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

%X\V

%X\V

&KHFN 7ULP /HLVXUH :DWHUVKRUW % 8VD &KDUFRDO 1DY\

&KHFN 7ULP /HLVXUH :DWHUVKRUW % /DYD 5HG 1DY\

8VD &KDUFRDO 1DY\

/DYD 5HG 1DY\

&KHFN 7ULP /HLVXUH :DWHUVKRUW 1HZ

&KHFN 7ULP /HLVXUH :DWHUVKRUW

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 ଀ '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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

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

3HDFKHG 3RO\HVWHU 3RO\HVWHU 7ZLOO ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6FRSH :DWHUVKRUW %ODFN

6FRSH :DWHUVKRUW 6SHHGR 1DY\

%ODFN

6SHHGR 1DY\

6FRSH :DWHUVKRUW

6FRSH :DWHUVKRUW

$Q HVVHQWLDO IRU SRRO EHDFK DQG KROLGD\ ZHDU 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

$Q HVVHQWLDO IRU SRRO EHDFK DQG KROLGD\ ZHDU 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6FRSH :DWHUVKRUW )HG 5HG

6FRSH :DWHUVKRUW % 'DQXEH

)HG 5HG

'DQXEH

6FRSH :DWHUVKRUW

6FRSH :DWHUVKRUW

$Q HVVHQWLDO IRU SRRO EHDFK DQG KROLGD\ ZHDU 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

$Q HVVHQWLDO IRU SRRO EHDFK DQG KROLGD\ ZHDU 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6FRSH :DWHUVKRUW -DGH

6FRSH :DWHUVKRUW 7XUTXRLVH

-DGH

7XUTXRLVH

6FRSH :DWHUVKRUW

6FRSH :DWHUVKRUW 1HZ

$Q HVVHQWLDO IRU SRRO EHDFK DQG KROLGD\ ZHDU 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

$Q HVVHQWLDO IRU SRRO EHDFK DQG KROLGD\ ZHDU 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6ROLG /HLVXUH :DWHUVKRUW )HG 5HG

6ROLG /HLVXUH :DWHUVKRUW $ %HDXWLIXO %OXH

)HG 5HG

%HDXWLIXO %OXH

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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[



*LUOV )DVWVNLQ

)DVWVNLQ (QGXUDQFH 2SHQEDFN .QHHVNLQ % -DGH %ODFN (OHFWULF 3LQN

)DVWVNLQ -XQLRU /=5 5DFHU ; 2SHQEDFN .QHHVNLQ % /DYD 5HG (OHFWULF 3LQN 0DQJR

-DGH %ODFN

/DYD 5HG (OHFWULF 3LQN

)DVWVNLQ (QGXUDQFH 2SHQEDFN .QHHVNLQ )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

)DVWVNLQ -XQLRU /=5 5DFHU ; 2SHQEDFN .QHHVNLQ '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 LQ WKH ZDWHU PDNLQJ \RX IHHO \RXU IDVWHVW

)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('

)HDWXUHV ଀ 1HZ ERQGHG LQQHU FRUH OLQHU FRQVWUXFWLRQ IRU JUHDWHU VWDELOLW\ DQG LPSURYHG ERG\ SRVLWLRQ ଀ %RQGHG FRPIRUW VWUDSV IRU PRUH 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(' )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/=5 3UR 7LHUGRZQ )DEULF 3RO\DPLGH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

(QGXUDQFH 3RO\HVWHU 3%7

%X\V


*LUOV 0DLQOLQH

&RPHW &UXVK $OORYHU 6SODVKEDFN % (OHFWULF 3LQN /LPH 3XQFK 3LQN

3RS 6FLHQFH $OORYHU 6SODVKEDFN % 6SHDUPLQW 5R\DO 3XUSOH

(OHFWULF 3LQN /LPH 3XQFK

6SHDUPLQW 5R\DO 3XUSOH

&RPHW &UXVK $OORYHU 6SODVKEDFN 1HZ ,QMHFW VRPH IXQ LQWR \RXU VZLP VHVVLRQV :LWK LWV H\H FDWFKLQJ FRPHW GHVLJQ DQG FKORULQH UHVLVWDQW (QGXUDQFH IDEULF WKLV VZLPVXLW LV LGHDO IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

3RS 6FLHQFH $OORYHU 6SODVKEDFN 1HZ ,QMHFW VRPH IXQ LQWR \RXU VZLP VHVVLRQV :LWK LWV H\H FDWFKLQJ GHVLJQ DQG FKORULQH UHVLVWDQW (QGXUDQFH 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

)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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

(OHFWULF %DOO $OORYHU 6SODVKEDFN % /LPH 3XQFK %ODFN (OHFWULF 3LQN

6WHOODU )LUH $OORYHU 7KLQVWUDS &URVVEDFN % 6SHDUPLQW %RQGL %OXH

/LPH 3XQFK %ODFN

6SHDUPLQW %RQGL %OXH

(OHFWULF %DOO $OORYHU 6SODVKEDFN 1HZ

6WHOODU )LUH $OORYHU 7KLQVWUDS &URVVEDFN 1HZ

,QMHFW VRPH IXQ LQWR \RXU VZLP VHVVLRQV :LWK LWV H\H FDWFKLQJ GHVLJQ DQG FKORULQH UHVLVWDQW (QGXUDQFH 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 (QGXUDQFH IDEULF WKLV FRORXUIXO 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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


)XVLRQ )XQ $OORYHU 6SODVKEDFN % -DIID (OHFWULF 3LQN /LPH 3XQFK

/XQDU 3RS $OORYHU 6SODVKEDFN % :DWHUPHORQ 5R\DO 3XUSOH

-DIID (OHFWULF 3LQN

:DWHUPHORQ 5R\DO 3XUSOH

)XVLRQ )XQ $OORYHU 6SODVKEDFN 1HZ

/XQDU 3RS $OORYHU 6SODVKEDFN 1HZ

6WDQG RXW DW WKH SRRO :LWK LWV H\H FDWFKLQJ IXVLRQ GHVLJQ DQG VKDSH UHWDLQLQJ (QGXUDQFH IDEULF WKLV VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

6WDQG RXW DW WKH SRRO :LWK LWV IXQ OXQDU SULQW DQG VKDSH UHWDLQLQJ (QGXUDQFH 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

)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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

7ULEH ,GRO $OORYHU 6SODVKEDFN % -DGH 6SHDUPLQW $PHWK\VW

&RPHW 3RS $OORYHU 7KLQVWUDS &URVVEDFN % -DIID (OHFWULF 3LQN /HPRQ

-DGH 6SHDUPLQW

-DIID (OHFWULF 3LQN

7ULEH ,GRO $OORYHU 6SODVKEDFN 1HZ

&RPHW 3RS $OORYHU 7KLQVWUDS &URVVEDFN 1HZ

6WDQG RXW DW WKH SRRO :LWK LWV WULEDO SULQW GHVLJQ DQG VKDSH UHWDLQLQJ (QGXUDQFH IDEULF WKLV VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

(QMR\ \RXU VZLP LQ WKLV EULJKW SULQWHG VZLPVXLW ZKLFK IHDWXUHV WKLQ VWUDSV IRU PD[LPXP IUHHGRP RI PRYHPHQW 'HVLJQHG XVLQJ VKDSH UHWDLQLQJ (QGXUDQFH 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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[

)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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V


$VWUR )L]] $OORYHU 7KLQVWUDS &URVVEDFN % 5R\DO 3XUSOH :DWHUPHORQ

&RPHW 3RS 3ULQWHG /HJVXLW % %ODFN -DIID (OHFWULF 3LQN

5R\DO 3XUSOH :DWHUPHORQ

%ODFN -DIID

$VWUR )L]] $OORYHU 7KLQVWUDS &URVVEDFN 1HZ

&RPHW 3RS 3ULQWHG /HJVXLW 1HZ

(QMR\ \RXU VZLP LQ WKLV SUHWW\ SDVWHO VZLPVXLW ZKLFK IHDWXUHV WKLQ VWUDSV IRU PD[LPXP IUHHGRP RI PRYHPHQW 'HVLJQHG XVLQJ VKDSH UHWDLQLQJ (QGXUDQFH IDEULF WKLV VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

$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 )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 ଀ 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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

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

/HJVXLW (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

)XVLRQ )XQ 3ODFHPHQW 7KLQVWUDS 0XVFOHEDFN % %ODFN -DIID (OHFWULF 3LQN

3ODFHPHQW 0XVFOHEDFN % %ODFN (OHFWULF 3LQN 7XTXRLVH

%ODFN -DIID

%ODFN (OHFWULF 3LQN (OHFWULF 3LQN

)XVLRQ )XQ 3ODFHPHQW 7KLQVWUDS 0XVFOHEDFN 1HZ

%RRP 6SOLFH 0XVFOHEDFN

6WDQG RXW DW WKH SRRO :LWK LWV H\H FDWFKLQJ PRWLI SULQW DQG VKDSH UHWDLQLQJ (QGXUDQFH IDEULF WKLV FRORXUIXO VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV KROLGD\V WUDLQLQJ VHVVLRQV DQG UDFH GD\V

7KLV EODFN DQG HOHFWULF SLQN VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV RU WKH EHDFK )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF

)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

)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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


%RRP $OORYHU 6SODVKEDFN % (OHFWULF 3LQN %ODFN

%RRP $OORYHU 6SODVKEDFN % 5R\DO 3XUSOH :DWHUPHORQ

(OHFWULF 3LQN %ODFN

5R\DO 3XUSOH :DWHUPHORQ

%RRP $OORYHU 6SODVKEDFN

%RRP $OORYHU 6SODVKEDFN 1HZ

)HDWXULQJ 6SHHGR V VLJQDWXUH SULQW %RRP WKLV HOHFWULF SLQN VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV RU WKH EHDFK )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF

)HDWXULQJ 6SHHGR V VLJQDWXUH SULQW %RRP WKLV UR\DO SXUSOH VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV RU WKH EHDFK )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH 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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

%RRP $OORYHU 6SODVKEDFN % %RQGL %OXH $SSOH *UHHQ %RQGL %OXH $SSOH *UHHQ

%RRP $OORYHU 6SODVKEDFN 1HZ )HDWXULQJ 6SHHGR V VLJQDWXUH SULQW %RRP WKLV EOXH DQG DSSOH JUHHQ VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV RU WKH EHDFK )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH 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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[


%RRP 6SOLFH 0XVFOHEDFN % %ODFN (OHFWULF 3LQN

%RRP 6SOLFH 0XVFOHEDFN % 5R\DO 3XUSOH :DWHUPHORQ

%ODFN (OHFWULF 3LQN

5R\DO 3XUSOH :DWHUPHORQ

%RRP 6SOLFH 0XVFOHEDFN

%RRP 6SOLFH 0XVFOHEDFN 1HZ

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW %RRP WKLV EODFN DQG HOHFWULF SLQN VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV RU WKH EHDFK )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW %RRP WKLV UR\DO SXUSOH VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV RU WKH EHDFK )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF

)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

)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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

%RRP 6SOLFH 0XVFOHEDFN % %RQGL %OXH $SSOH *UHHQ

%RRP 6SOLFH 0XVFOHEDFN %ODFN 7XTXRLVH

%RQGL %OXH $SSOH *UHHQ

%ODFN 7XUTXRLVH UTXRLVH

%RRP 6SOLFH 0XVFOHEDFN 1HZ

%RRP 6SOLFH 0XVFOHEDFN

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW %RRP WKLV EOXH DQG DSSOH JUHHQ VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV RU WKH EHDFK )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW %RRP WKLV EODFN DQG HOHFWULF SLQN VZLPVXLW LV SHUIHFW IRU VZLPPLQJ OHVVRQV RU WKH EHDFK )HDWXULQJ 6SHHGR H[FOXVLYH (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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


(VVHQWLDO (QGXUDQFH /HJVXLW %ODFN

%RRP 6SOLFH /HJVXLW % %ODFN (OHFWULF 3LQN

%ODFN

%ODFN (OHFWULF 3LQN

(VVHQWLDO (QGXUDQFH /HJVXLW

%RRP 6SOLFH /HJVXLW

3HUIHFW IRU UHJXODU VZLPPLQJ WKLV FODVVLF OHJVXLW RIIHUV H[WUD FRYHUDJH DQG (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW %RRP WKLV OHJVXLW RIIHUV H[WUD FRYHUDJH DQG VKDSH UHWDLQLQJ (QGXUDQFH IDEULF

)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

)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 $YDLODEOH 6L]HV

/HJVXLW (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

,JQLWLRQ 3RS &URVVEDFN % %ODFN -DIID (OHFWULF 3LQN

)L]] ([SUHVV 3DQHO /HJVXLW % 1DY\ %RQGL %OXH 6SHDUPLQW

%ODFN -DIID

1DY\ %RQGL %OXH

,JQLWLRQ 3RS &URVVEDFN 1HZ

)L]] ([SUHVV 3DQHO /HJVXLW 1HZ

3HUIHFW IRU DQ\ OLWWOH PHUPDLG WKLV SUHWW\ VZLPVXLW IHDWXUHV D FRORXUIXO SULQW 0DGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

)HDWXULQJ D IXQ DQG FRORXUIXO SULQW WKLV VSRUW\ OHJVXLW RIIHUV H[WUD FRYHUDJH DQG LV PDGH IURP (QGXUDQFH 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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

/HJVXLW (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN $ %ODFN 3ULQFHVV 3LQN

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN % :DWHUPHORQ 6SHDUPLQW

%ODFN 3ULQFHVV 3LQN

:DWHUPHORQ 6SHDUPLQW

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN 1HZ

:LWK LWV FRQWUDVWLQJ SULQFHVV SLQN VWUDSV DQG VKDSH UHWDLQLQJ (QGXUDQFH IDEULF WKLV VZLPVXLW LV JUHDW IRU VZLPPLQJ OHVVRQV WUDLQLQJ VHVVLRQV DQG UDFH GD\V

:LWK LWV FRQWUDVWLQJ VWUDSV DQG VKDSH UHWDLQLQJ (QGXUDQFH 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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

)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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN %ODFN 7XUTXRLVH

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN % 1DY\ -DGH 1DY\ -DGH

Black / Turquoise q

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN 1HZ

6SRUWV /RJR 7KLQVWUDS 0XVFOHEDFN 1HZ

:LWK LWV FRQWUDVWLQJ VWUDSV DQG VKDSH UHWDLQLQJ (QGXUDQFH IDEULF WKLV VZLPVXLW LV JUHDW IRU UHJXODU VZLPPLQJ DQG UDFH GD\V 7KH WKLQVWUDS GHVLJQ RIIHUV PD[LPXP IUHHGRP RI VKRXOGHU PRYHPHQW

:LWK LWV FRQWUDVWLQJ VWUDSV DQG VKDSH UHWDLQLQJ (QGXUDQFH 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

)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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


(VVHQWLDO (QGXUDQFH 0HGDOLVW %ODFN

(VVHQWLDO (QGXUDQFH 0HGDOLVW 1DY\

%ODFN

1DY\

(VVHQWLDO (QGXUDQFH 0HGDOLVW

(VVHQWLDO (QGXUDQFH 0HGDOLVW

3HUIHFW IRU VZLPPLQJ OHVVRQV WKLV FODVVLF EODFN VZLPVXLW LV TXLFN GU\LQJ VRIW DQG VWUHWFK\ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH IDEULF WKLV VZLPVXLW SURPLVHV WR ODVW IRU ORQJHU

3HUIHFW IRU VZLPPLQJ OHVVRQV WKLV FODVVLF QDY\ VZLPVXLW LV TXLFN GU\LQJ VRIW DQG VWUHWFK\ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH 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 $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

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

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

(VVHQWLDO (QGXUDQFH 0HGDOLVW 1HRQ %OXH 1HRQ %OXH

(VVHQWLDO (QGXUDQFH 0HGDOLVW 3HUIHFW IRU VZLPPLQJ OHVVRQV WKLV FODVVLF QHRQ EOXH VZLPVXLW LV TXLFN GU\LQJ VRIW DQG VWUHWFK\ )HDWXULQJ 6SHHGR H[FOXVLYH (QGXUDQFH 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 /HJ +HLJKW )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

0HGLXP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[


%R\V )DVWVNLQ

)DVWVNLQ (QGXUDQFH +LJK :DLVWHG -DPPHU % -DGH %ODFN (OHFWULF 3LQN

)DVWVNLQ -XQLRU /=5 5DFHU ; -DPPHU % /DYD 5HG (OHFWULF 3LQN 0DQJR

-DGH %ODFN

/DYD 5HG (OHFWULF 3LQN

)DVWVNLQ (QGXUDQFH +LJK :DLVWHG -DPPHU )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

)DVWVNLQ -XQLRU /=5 5DFHU ; -DPPHU '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

)HDWXUHV ଀ 8QLTXH DV\PPHWULF SULQWHG OHJ JXDUDQWHHV \RXà«·OO VWDQG RXW RQ WKH EORFNV ଀ )ODW ORFN VHDPV /RZ SURILOH IODW ORFN 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('

)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(' )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

/=5 3UR 7LHUGRZQ )DEULF 3RO\DPLGH (ODVWDQH

%X\V

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

(QGXUDQFH 3RO\HVWHU 3%7

%X\V

6SHHGR 6 )UDEHQHOX[


%R\V 0DLQOLQH

$VWUR ,JQLWH $OORYHU 3DQHO -DPPHU % %ODFN 6SHDUPLQW /DYD 5HG

$VWUR ,JQLWH $OORYHU 3DQHO $TXDVKRUW % %ODFN 6SHDUPLQW /DYD 5HG

%ODFN 6SHDUPLQW

%ODFN 6SHDUPLQW

$VWUR ,JQLWH $OORYHU 3DQHO -DPPHU 1HZ /LYHQ XS WUDLQLQJ ZLWK WKLV DVWUR LQVSLUHG MDPPHU 'HVLJQHG WR FUHDWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU DQG PDGH IURP (QGXUDQFH IDEULF ZKLFK LV FKORULQH UHVLVWDQW DQG GHVLJQHG WR ODVW IRU ORQJHU

$VWUR ,JQLWH $OORYHU 3DQHO $TXDVKRUW 1HZ /LYHQ XS WUDLQLQJ ZLWK WKLV DVWUR LQVSLUHG DTXDVKRUW 'HVLJQHG ZLWK D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW DQG PDGH IURP (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

6WDU .LFN /RJR 3DQHO $TXDVKRUW % 5LVN 5HG 6SHDUPLQW %ODFN

6WDU .LFN /RJR 3DQHO $TXDVKRUW % %ODFN /DYD 5HG %RQGL %OXH

5LVN 5HG 6SHDUPLQW

Black / Lava Red

6WDU .LFN /RJR 3DQHO $TXDVKRUW 1HZ

6WDU .LFN /RJR 3DQHO $TXDVKRUW 1HZ

7KLV VSRUW\ VW\OH LV LGHDO IRU UHJXODU VZLPPLQJ 0DGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

7KLV VSRUW\ VW\OH LV LGHDO IRU UHJXODU VZLPPLQJ 0DGH IURP (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


%R\V 0DLQOLQH

6WDU .LFN /RJR 3DQHO -DPPHU % 1DY\ -DIID

6WDU .LFN /RJR 3DQHO $TXDVKRUW % 1DY\ -DIID

1DY\ -DIID

1DY\ -DIID

6WDU .LFN /RJR 3DQHO -DPPHU 1HZ 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 (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

6WDU .LFN /RJR 3DQHO $TXDVKRUW 1HZ 7KLV VSRUW\ VW\OH LV LGHDO IRU UHJXODU VZLPPLQJ 0DGH IURP (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

3RS 6FLHQFH 3ODFHPHQW 3DQHO $TXDVKRUW % -DGH %ODFN $SSOH *UHHQ

3RS 6FLHQFH 3ODFHPHQW 3DQHO $TXDVKRUW % %ODFN %RQGL %OXH /DYD 5HG

-DGH %ODFN

%ODFN %RQGL %OXH

3RS 6FLHQFH 3ODFHPHQW 3DQHO $TXDVKRUW 1HZ

3RS 6FLHQFH 3ODFHPHQW 3DQHO $TXDVKRUW 1HZ

6WDQG RXW DW WKH SRRO LQ WKLV EROG DTXDVKRUW ZKLFK IHDWXUHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 'HVLJQHG XVLQJ (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

6WDQG RXW DW WKH SRRO LQ WKLV EROG DTXDVKRUW ZKLFK IHDWXUHV D GUDZVWULQJ ZDLVW IRU D VHFXUH ILW 'HVLJQHG XVLQJ (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


3RS 6FLHQFH $OORYHU $TXDVKRUW % -DGH %ODFN $SSOH *UHHQ

3RS 6FLHQFH $OORYHU -DPPHU % -DGH %ODFN $SSOH *UHHQ

-DGH %ODFN

-DGH %ODFN

3RS 6FLHQFH $OORYHU $TXDVKRUW 1HZ

3RS 6FLHQFH $OORYHU -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 (QGXUDQFH 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 (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

,JQLWLRQ )ODUH$OORYHU 9 &XW 3DQHO -DPPHU % %RQGL %OXH -DIID /LPH 3XQFK

,JQLWLRQ )ODUH 3ODFHPHQW 3DQHO $TXDVKRUW % %RQGL %OXH -DIID /LPH 3XQFK

%RQGL %OXH -DIID

%RQGL %OXH -DIID

,JQLWLRQ )ODUH$OORYHU 9 &XW 3DQHO -DPPHU 1HZ

,JQLWLRQ )ODUH 3ODFHPHQW 3DQHO $TXDVKRUW 1HZ

/LYHQ XS WUDLQLQJ ZLWK WKLV VWULNLQJ SDWWHUQHG MDPPHU 'HVLJQHG WR FUHDWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU DQG PDGH IURP (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

/LYHQ XS WUDLQLQJ ZLWK WKLV EULJKW DTXDVKRUW 'HVLJQHG WR FUHDWH D VPRRWK K\GURG\QDPLF SURILOH LQ WKH ZDWHU DQG PDGH IURP (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

6SHHGR 6 )UDEHQHOX[

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V


%RRP 6SOLFH $TXDVKRUW %ODFN 5LVN 5HG

%RRP 6SOLFH $TXDVKRUW 1DY\ /LPH 3XQFK

%ODFN 5LVN 5HG

1DY\ /LPH 3XQFK

%RRP 6SOLFH $TXDVKRUW

%RRP 6SOLFH $TXDVKRUW 1HZ

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW %RRP WKLV DTXDVKRUW LV SHUIHFW IRU VZLPPLQJ OHVVRQV 0DGH IURP (QGXUDQFH 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 VLJQDWXUH SULQW %RRP WKLV DTXDVKRUW LV SHUIHFW IRU VZLPPLQJ OHVVRQV 0DGH IURP (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

%RRP 6SOLFH -DPPHU %ODFN 5LVN 5HG

%RRP 6SOLFH -DPPHU 1DY\ /LPH 3XQFK

%ODFN 5LVN 5HG

1DY\ /LPH 3XQFK

%RRP 6SOLFH -DPPHU

%RRP 6SOLFH -DPPHU 1HZ

)HDWXULQJ D VSOLFH RI 6SHHGR V VLJQDWXUH SULQW %RRP WKLV MDPPHU LV SHUIHFW IRU VZLPPLQJ OHVVRQV 0DGH IURP (QGXUDQFH 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 VLJQDWXUH SULQW %RRP WKLV MDPPHU LV SHUIHFW IRU VZLPPLQJ OHVVRQV 0DGH IURP (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6SRUWV /RJR 3DQHO $TXDVKRUW $ %ODFN 3RZGHU %OXH

6SRUWV /RJR 3DQHO $TXDVKRUW % 1DY\ $SSOH *UHHQ

%ODFN 3RZGHU %OXH

1DY\ $SSOH *UHHQ

6SRUWV /RJR 3DQHO $TXDVKRUW

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 (QGXUDQFH 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 (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SRUWV /RJR 3DQHO $TXDVKRUW % %RQGL %OXH 6SHDUPLQW

6SRUWV /RJR 3DQHO -DPPHU $ %ODFN 3RZGHU %OXH

%RQGL %OXH 6SHDUPLQW

%ODFN 3RZGHU %OXH

6SRUWV /RJR 3DQHO $TXDVKRUW 1HZ

6SRUWV /RJR 3DQHO -DPPHU

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 (QGXUDQFH 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 (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6SRUWV /RJR 3DQHO -DPPHU % 1DY\ $SSOH *UHHQ

6SRUWV /RJR 3DQHO -DPPHU % %RQGL %OXH 6SHDUPLQW

1DY\ $SSOH *UHHQ

%RQGL %OXH 6SHDUPLQW

6SRUWV /RJR 3DQHO -DPPHU 1HZ

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 (QGXUDQFH 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 (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

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

FP (QGXUDQFH 3RO\DPLGH (ODVWDQH

%X\V

%X\V

(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 (QGXUDQFH 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 (QGXUDQFH 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 /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

FP (QGXUDQFH 3RO\HVWHU 3%7

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

FP (QGXUDQFH 3RO\HVWHU 3%7

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


%R\V 0DLQOLQH

/RJR <RNH 6SOLFH :DWHUVKRUW % 1DY\ %HDXWLIXO %OXH /LPH

/RJR <RNH 6SOLFH :DWHUVKRUW % %ODFN /DYD 5HG 7XUTXRLVH

1DY\ %HDXWLIXO %OXH

%ODFN /DYD 5HG

/RJR <RNH 6SOLFH :DWHUVKRUW 1HZ 2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV VSRUW\ 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

/RJR <RNH 6SOLFH :DWHUVKRUW 1HZ 2XU VZLP VKRUWV DUH SDFNHG IXOO RI JUHDW WHFKQRORJ\ VR NLGV FDQ JHW RQ ZLWK KDYLQJ IXQ 7KLV VSRUW\ 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 /HJ /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

3RO\HVWHU 7ZLOO 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

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

3RO\HVWHU 7ZLOO 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

*ORZ *OREH 3ULQWHG /HLVXUH :DWHUVKRUW % 1DY\ %RQGL %OXH -DIID

.LQHWLF )L]] *UDSKLF /HLVXUH :DWHUVKRUW % 7XUTXRLVH

1DY\ %RQGL %OXH

7XUTXRLVH

*ORZ *OREH 3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

.LQHWLF )L]] *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 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

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

3RO\HVWHU 7ZLOO 3RO\HVWHU ;6 6 0 / ;/ ;;/

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

3RO\HVWHU 7ZLOO 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


&RVPLF )L]] *UDSKLF /HLVXUH :DWHUVKRUW % 6XQVHW 2UDQJH

&RVPLF )L]] *UDSKLF /HLVXUH :DWHUVKRUW % %HDXWLIXO %OXH

6XQVHW 2UDQJH

%HDXWLIXO %OXH

&RVPLF )L]] *UDSKLF /HLVXUH :DWHUVKRUW 1HZ

&RVPLF )L]] *UDSKLF /HLVXUH :DWHUVKRUW 1HZ

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

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

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

3RO\HVWHU 7ZLOO 3RO\HVWHU ;6 6 0 / ;/ ;;/

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

3RO\HVWHU 7ZLOO 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

$VWUR ,JQLWH 3ULQWHG /HLVXUH :DWHUVKRUW % 1DY\ %RQGL %OXH /LPH 3XQFK

$VWUR ,JQLWH 3ULQWHG /HLVXUH :DWHUVKRUW % %ODFN 6SHDUPLQW $UDELDQ 1LJKW

1DY\ %RQGL %OXH

%ODFN 6SHDUPLQW

$VWUR ,JQLWH 3ULQWHG /HLVXUH :DWHUVKRUW 1HZ

$VWUR ,JQLWH 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

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

3RO\HVWHU 7ZLOO 3RO\HVWHU ;6 6 0 / ;/ ;;/

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

3RO\HVWHU 7ZLOO 3RO\HVWHU ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


&KDOOHQJH :DWHUVKRUW %ODFN

&KDOOHQJH :DWHUVKRUW 1DY\

%ODFN

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

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

&KDOOHQJH :DWHUVKRUW )HG 5HG

&KDOOHQJH :DWHUVKRUW 7XUTXRLVH

)HG 5HG

7XUTXRLVH

&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

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


&KDOOHQJH :DWHUVKRUW $ %HDXWLIXO %OXH

6ROLG /HLVXUH :DWHUVKRUW %ODFN

%HDXWLIXO %OXH

%ODFN

&KDOOHQJH :DWHUVKRUW 1HZ

6ROLG /HLVXUH :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 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

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6ROLG /HLVXUH :DWHUVKRUW )HG 5HG

6ROLG /HLVXUH :DWHUVKRUW 1DY\

)HG 5HG

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

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

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

1\ORQ :RYHQ ZLWK : 5 1\ORQ ;6 6 0 / ;/ ;;/

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


,QIDQW 0DLQOLQH

&RVPLF &ORXG (VVHQWLDO 7KLQVWUDS 3LHFH % %DOL %OXH :KLWH 3LQN 6SODVK

6HDVTXDG $OORYHU 3LHFH % 9HJDV 3LQN 3LQN 6SODVK %DOL

%DOL %OXH :KLWH

9HJDV 3LQN 3LQN 6SODVK

&RVPLF &ORXG (VVHQWLDO 7KLQVWUDS 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 (QGXUDQFH IDEULF ZKLFK ILWV OLNH QHZ IRU ORQJHU

6HDVTXDG $OORYHU 3LHFH 7KLV VXSHU FRORXUIXO VZLPVXLW KDV D FXWH GHVLJQ 'XUDEOH VWUHWFK\ IDEULF DQG D FURVVRYHU EDFN DOORZ \RXU OLWWOH RQH WR VSODVK DURXQG SOD\ DQG H[SORUH LQ FRPIRUW ZKLOH RXU (QGXUDQFH WHFKQRORJ\ HQVXUHV LW ZLOO ILW OLNH QHZ IRU ORQJHU ଀ &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

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH PWKV PWKV \UV \UV \UV \UV \UV

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH PWKV PWKV \UV \UV \UV \UV \UV

%X\V

%X\V

&RVPLF &ORXG (VVHQWLDO $OO 2YHU 3LHFH % %DOL %OXH :KLWH 3LQN 6SODVK

6WDUIL]] (VVHQWLDO $SSOLTXH 3LHFH % (OHFWULF 3LQN 1DY\ /LPH 3XQFK

%DOL %OXH :KLWH

(OHFWULF 3LQN 1DY\

&RVPLF &ORXG (VVHQWLDO $OO 2YHU 3LHFH 1HZ

6WDUIL]] (VVHQWLDO $SSOLTXH 3LHFH 1HZ

7KLV VZLPVXLW KDV D FRORXUIXO FXWH 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 (QGXUDQFH WHFKQRORJ\ HQVXUHV LW ZLOO ILW OLNH QHZ IRU ORQJHU

:LWK LWV VXSHU FXWH 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 (QGXUDQFH 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

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH PWKV PWKV \UV \UV \UV \UV \UV

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH PWKV PWKV \UV \UV \UV \UV \UV

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


6WDUIL]] (VVHQWLDO )ULOO 3LHFH % (OHFWULF 3LQN 1DY\ /LPH 3XQFK

6WDUIL]] (VVHQWLDO 3LHFH % (OHFWULF 3LQN 1DY\ /LPH 3XQFK

(OHFWULF 3LQN 1DY\

(OHFWULF 3LQN 1DY\

6WDUIL]] (VVHQWLDO )ULOO 3LHFH 1HZ

6WDUIL]] (VVHQWLDO 3LHFH 1HZ

:LWK LWV VXSHU FXWH 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 (QGXUDQFH WHFKQRORJ\ HQVXUHV LW ZLOO ILW OLNH QHZ IRU ORQJHU

:LWK LWV VXSHU FXWH 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 (QGXUDQFH 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

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH PWKV PWKV \UV \UV \UV \UV \UV

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

0HGLXP (QGXUDQFH 3RO\DPLGH (ODVWDQH PWKV PWKV \UV \UV \UV \UV \UV

%X\V

%X\V

6SHHGR 6 )UDEHQHOX[


,QIDQW 0DLQOLQH

6HDVTXDG $OORYHU $TXDVKRUW % 1HRQ %OXH 5LVN 5HG -DSDQ %OXH

6HD 6TXDG :DWHUVKRUW % 1HRQ %OXH /DYD 5HG

1HRQ %OXH 5LVN 5HG

1HRQ %OXH /DYD 5HG

6HDVTXDG $OORYHU $TXDVKRUW 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

6HD 6TXDG :DWHUVKRUW 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 ଀ 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 ଀ 4XLFN GU\LQJ ଀ (ODVWLFDWHG ZDLVW ଀ :DWHU GUDLQDJH SRFNHW ଀ :DWHU UHSHOOHQW /HJ /HQJWK )DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

1\ORQ :RYHQ ZLWK : 5 1\ORQ \UV \UV \UV

%X\V

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

(QGXUDQFH 3RO\DPLGH (ODVWDQH PWKV PWKV \UV \UV \UV \UV \UV

%X\V

6HDVTXDG 3ODFHPHQW $TXDVKRUW % 1HRQ %OXH -DSDQ %OXH 5LVN 5HG

6SDFH 7UDYHOOHU (VVHQWLDO $OORYHU $TXDVKRUW % 5LVN 5HG %HDXWLIXO %OXH :KLWH

1HRQ %OXH -DSDQ %OXH

5LVN 5HG %HDXWLIXO %OXH

6HDVTXDG 3ODFHPHQW $TXDVKRUW

6SDFH 7UDYHOOHU (VVHQWLDO $OORYHU $TXDVKRUW 1HZ

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

0DNH D VSODVK ZLWK RXU FRORXUIXO VSDFH WUDYHOOHU 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 ଀ 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 ଀ &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 $YDLODEOH 6L]HV

(QGXUDQFH 3RO\DPLGH (ODVWDQH PWKV PWKV \UV \UV \UV \UV \UV

%X\V

6SHHGR 6 )UDEHQHOX[

)DEULF 'HVFULSWLRQ )DEULF &RPSRVLWLRQ $YDLODEOH 6L]HV

(QGXUDQFH 3RO\DPLGH (ODVWDQH PWKV PWKV \UV \UV \UV \UV \UV

%X\V


Introducing ‘V-Class’, a new, premium eyewear range that combines performance and style resulting in our most desirable goggle ever. The innovation and design of V-Class pushes the limits so that you can push yours. Whilst cutting edge technologies and intelligent detailing exudes the style you demand, finally you can have it all. Available in unisex and female fit.

Reduced marks Rn the eyes Premium materials ensure enhanced comfort and reduced marks on your face.

Exclusive storage case Keeps your eyewear protected in-between swims.

2x Anti-Fog lens** For best in class vision, our new anti-fog lenses last twice as long compared to standard goggles lenses, making them perfect for long distance training.

Available in Western and Asian fit. *89% of swimmers agree. Vs. Speedo Aquasocket ** Vs. Speedo’s standard goggles

Leak free 3D seal* Fits the contours of the eyes for a secure, leak resistant fit, allowing you to focus on your swim.


*RJJOHV 9 &ODVV

9LUWXH 0LUURU )HPDOH % 3XUSOH 9LEH 3LQN

9XH 0LUURU % /LPH %OXH

3XUSOH 9LEH 3LQN

/LPH %OXH

9LUWXH 0LUURU )HPDOH 9 &ODVV H\HZHDU FRPELQHV VW\OH DQG SHUIRUPDQFH WR GHOLYHU D QHZ VWDQGDUG LQ XQGHUZDWHU YLVLRQ (YHU\ DVSHFW RI 9 &ODVV KDV EHHQ FRQVLGHUHG IURP FODVV OHDGLQJ OHQV WHFKQRORJ\ WR LQWHOOLJHQW GHVLJQ GHWDLOV ZKLFK PDNH DOO WKH GLIIHUHQFH 9 &ODVV SXVKHV WKH OLPLWV VR \RX FDQ SXVK \RXUV

9XH 0LUURU 9 &ODVV H\HZHDU FRPELQHV VW\OH DQG SHUIRUPDQFH WR GHOLYHU D QHZ VWDQGDUG LQ XQGHUZDWHU YLVLRQ $YDLODEOH LQ XQLVH[ RU IHPDOH ILW HYHU\ DVSHFW RI 9 &ODVV KDV EHHQ FRQVLGHUHG IURP FODVV OHDGLQJ OHQV WHFKQRORJ\ WR LQWHOOLJHQW GHVLJQ GHWDLOV ZKLFK PDNH DOO WKH GLIIHUHQFH 9 &ODVV SXVKHV WKH OLPLWV VR \RX FDQ SXVK \RXUV

)HDWXUHV ଀ 0DQXIDFWXUHG ZLWK SUHPLXP PDWHULDOV DQG SUHFLVLRQ HQJLQHHULQJ ଀ 6L]H VKDSH DQG VW\OH GHVLJQHG WR VSHFLILFDOO\ FRPSOLPHQW WKH IHPDOH IDFH ଀ 1HZ VXSHULRU $QWL )RJ WHFKQRORJ\ IRU WLPHV ORQJHU ODVWLQJ YLVLRQ ଀ ,4ILWவ ' 6HDO IRU D OHDN IUHH FRPIRUWDEOH ILW DQG UHGXFHG PDUNV DURXQG WKH H\HV ଀ 6W\OLVK ZUDS DURXQG OHQVHV IRU HQKDQFHG SHULSKHUDO YLVLRQ ଀ 5HXVDEOH VWRUDJH FDVH NHHSV \RXU H\HZHDU SURWHFWHG SUH DQG SRVW VZLP ଀ 0LUURU OHQVHV IRU UHGXFHG EULJKWQHVV DQG XOWLPDWH VW\OH

)HDWXUHV ଀ 0DQXIDFWXUHG ZLWK SUHPLXP PDWHULDOV DQG SUHFLVLRQ HQJLQHHULQJ ଀ 6L]H VKDSH DQG VW\OH GHVLJQHG WR FDWHU IRU ERWK PHQ DQG ZRPHQ ଀ 1HZ VXSHULRU $QWL )RJ WHFKQRORJ\ IRU WLPHV ORQJHU ODVWLQJ YLVLRQ ଀ ,4ILWவ ' 6HDO IRU D OHDN IUHH FRPIRUWDEOH ILW DQG UHGXFHG PDUNV DURXQG WKH H\HV ଀ 6W\OLVK ZUDS DURXQG OHQVHV IRU HQKDQFHG SHULSKHUDO YLVLRQ ଀ 5HXVDEOH VWRUDJH FDVH NHHSV \RXU H\HZHDU SURWHFWHG SUH DQG SRVW VZLP ଀ 0LUURU OHQVHV IRU UHGXFHG EULJKWQHVV DQG XOWLPDWH VW\OH

&RPSRVLWLRQ

&RPSRVLWLRQ /HQV 6HDO )UDPH 6WUDS

3& 73( 73( 6LOLFRQH

4XDQWLW\ SHU 3DFN $YDLODEOH VL]HV %X\V

2QH 6L]H

*RJJOHV )DVWVNLQ )DVWVNLQ (OLWH 0LUURU % /LPH 3XQFK 9LROHW /LPH 3XQFK 9LROHW

)DVWVNLQ (OLWH 0LUURU 1HZ ,QWURGXFLQJ RXU IDVWHVW PRVW K\GURG\QDPLF JRJJOH HYHU 'HVLJQHG IRU WKH ZRUOGà«·V WRS DWKOHWHV WKLV PLUURUHG FRPSHWLWLRQ JRJJOH LQFOXGHV RXU PRVW DGYDQFHG ,4ILWவ WHFKQRORJ\ IRU WKH XOWLPDWH OHDN IUHH SUHFLVLRQ ILW DQG SHUIRUPDQFH (QJLQHHUHG IRU UDFLQJ LWV ORZ SURILOH K\GURG\QDPLF GHVLJQ PLQLPLVHV GUDJ )XOO\ DSSURYHG E\ ),1$ )HDWXUHV ଀ )LW SRLQW PDUNHUV KHOS SUHFLVLRQ DOLJQPHQW RI JRJJOH DQG )DVWVNLQ FDS E\ WRXFK EHIRUH D UDFH ଀ 0LUURU OHQV UHGXFHV EULJKWQHVV DQG JODUH ,GHDO IRU UDFLQJ DQG FRPSHWLWLRQV ଀ (QJLQHHUHG IRU VHULRXV VZLPPHUV ,4ILWவ GHOLYHUV DQ XQSDUDOOHOHG JRJJOH ILW ଀ 3DWHQWHG ' JRJJOH VHDO DQG VWUDS ૱ IRU D OHDN IUHH SUHFLVLRQ ILW ZLWKRXW OHDYLQJ PDUNV ଀ +\GURVFRSLF /HQV IRU GHJUHHV RI SHULSKHUDO YLVLRQ ଀ ,QWHUFKDQJHDEOH QRVH EULGJHV IRU DQ LQGLYLGXDO ILW ଀ $QWL IRJ FRDWHG OHQV ZLWK 89 3URWHFWLRQ ଀ *RJJOH SRXFK LQFOXGHG &RPSRVLWLRQ /HQV 6HDO )UDPH 6WUDS

3& 735 3& 6LOLFRQH

4XDQWLW\ SHU 3DFN $YDLODEOH VL]HV

2QH 6L]H

6SHHGR 6 )UDEHQHOX[

/HQV 6HDO )UDPH 6WUDS

3& 73( 73( 6LOLFRQH

4XDQWLW\ SHU 3DFN $YDLODEOH VL]HV %X\V

2QH 6L]H


6ZLP &DSV

3ODLQ 0RXOGHG 6LOLFRQH &DS % -DIID

)DVWVNLQ &DS % 9LROHW 6LUHQ *ROG

-DIID

9LROHW 6LUHQ

3ODLQ 0RXOGHG 6LOLFRQH &DS 1HZ )HDWXULQJ DQ HUJRQRPLF ' GHVLJQ IRU LPSURYHG FRPIRUW DQG ILW WKLV 6LOLFRQH VZLP FDS FUHDWHV D VPRRWK K\GURG\QDPLF RXWOLQH LQ WKH ZDWHU $ NLW EDJ HVVHQWLDO LW V JUHDW FKRLFH IRU UHJXODU WUDLQLQJ RU OHLVXUH VZLPPLQJ DQG KHOSV SURWHFW \RXU KDLU IURP FKORULQH

)DVWVNLQ &DS 1HZ 7KH ZRUOG V ILUVW FDS IHDWXULQJ WKH ,4ILWவSURILOH DQG GHVLJQHG XVLQJ DFFXUDWH KHDG PDSSLQJ GDWD 7KLV FDS RIIHUV RSWLPXP FRPIRUW RXWVWDQGLQJ K\GURG\QDPLF SHUIRUPDQFH DQ LPSURYHG ILW DQG HDVH RI XVH 8VH LQ FRQMXQFWLRQ ZLWK )DVWVNLQ JRJJOHV WR UHGXFH GUDJ E\ 7KLV SURGXFW KDV EHHQ IXOO\ DSSURYHG E\ ),1$

)HDWXUHV ଀ &DS KHOSV SURWHFW KDLU DJDLQVW FKORULQH ଀ (UJRQRPLF ' 'HVLJQ IRU LPSURYHG FRPIRUWDEOH ILW ଀ 6LOLFRQH LV GXUDEOH IRU ORQJ ODVWLQJ ZHDU DQG ZRQ W VQDJ RU SXOO KDLU ଀ +\GURG\QDPLF FDS KHOSV FUHDWH D VPRRWK SURILOH LQ WKH ZDWHU DQG UHGXFH GUDJ

)HDWXUHV ଀ 'HYHORSHG DV SDUW RI WKH ZRUOG V ILUVW 5DFLQJ 6\VWHPp HQJLQHHULQJ FDS JRJJOHV DQG VXLW WR ZRUN LQ KDUPRQ\ ଀ 5HGXFHV IXOO ERG\ GUDJ IRUFH E\ ଀ 8VH WKH )LW 3RLQW 0DUNHU WR HDVLO\ DOLJQ \RXU FDS DQG )DVWVNLQ JRJJOHV ଀ ,I \RX KDYH ORQJ KDLU ZH UHFRPPHQG \RX ZHDU WKH )DVWVNLQ KDLU PDQDJHPHQW V\VWHP XQGHU \RXU FDS &RPSRVLWLRQ

6LOLFRQH

4XDQWLW\ SHU 3DFN $YDLODEOH VL]HV %X\V

6 0 /

&RPSRVLWLRQ

6LOLFRQH

4XDQWLW\ SHU 3DFN $YDLODEOH VL]HV %X\V

2QH 6L]H

3ODLQ 0RXOGHG 6LOLFRQH &DS 7XUTXRLVH 7XUTXRLVH

3ODLQ 0RXOGHG 6LOLFRQH &DS 1HZ )HDWXULQJ DQ HUJRQRPLF ' GHVLJQ IRU LPSURYHG FRPIRUW DQG ILW WKLV 6LOLFRQH VZLP FDS FUHDWHV D VPRRWK K\GURG\QDPLF RXWOLQH LQ WKH ZDWHU $ NLW EDJ HVVHQWLDO LW V JUHDW FKRLFH IRU UHJXODU WUDLQLQJ RU OHLVXUH VZLPPLQJ DQG KHOSV SURWHFW \RXU KDLU IURP FKORULQH )HDWXUHV ଀ &DS KHOSV SURWHFW KDLU DJDLQVW FKORULQH ଀ (UJRQRPLF ' 'HVLJQ IRU LPSURYHG FRPIRUWDEOH ILW ଀ 6LOLFRQH LV GXUDEOH IRU ORQJ ODVWLQJ ZHDU DQG ZRQ W VQDJ RU SXOO KDLU ଀ +\GURG\QDPLF FDS KHOSV FUHDWH D VPRRWK SURILOH LQ WKH ZDWHU DQG UHGXFH GUDJ &RPSRVLWLRQ

6LOLFRQH

4XDQWLW\ SHU 3DFN $YDLODEOH VL]HV %X\V

2QH 6L]H

95

Speedo S217 Frabenelux


(TXLSPHQW

/HDUQ WR 6ZLP

6SRUWV 7RZHO %OXH -HZHO

6HD 6TXDG 6TXLUW\ 7R\V % $VVRUWHG

%OXH -HZHO

$VVRUWHG

6SRUWV 7RZHO

6HD 6TXDG 6TXLUW\ 7R\V

7KLV VSRUWV WRZHO LV VRIW VXSHU DEVRUEHQW DQG TXLFN GU\LQJ &RPSDFW OLJKWZHLJKW DQG HDV\ WR SDFN LQWR VPDOO VSDFHV WKLV WRZHO LV LGHDO IRU SRROVLGH RU J\P XVH

7LPH WR JHW ZHW 6HD 6TXDG 6TXLUW\ 7R\V DUH D JUHDW ZD\ WR KDYH IXQ LQ WKH SRRO RU EDWK ૱ ZDWFK RXW 0XP DQG 'DG

)HDWXUHV ଀ 'LPHQVLRQV FP ଀ 6XSHU DEVRUEHQW TXLFN GU\LQJ PDWHULDO ଀ &RPSDFW DQG /LJKWZHLJKW HDV\ WR VWRUH ଀ ,GHDO IRU SRROVLGH RU J\P XVH

)HDWXUHV ଀ 3DUW RI 6SHHGR૷V /HDUQ WR 6ZLP VWDJH UDQJH ଀ &RORXUIXO GHVLJQ ZLWK IXQ 6HD 6TXDG FKDUDFWHUV PDNLQJ WKHP HDV\ WR ILQG LQ WKH SRRO ଀ 0DQXIDFWXUHG WR $XVWUDOLDQ DQG (XURSHDQ VDIHW\ VWDQGDUGV

&RPSRVLWLRQ

39$ )RDP

$YDLODEOH VL]HV %X\V

2QH 6L]H

6SHHGR 6 )UDEHQHOX[

&RPSRVLWLRQ

/RZ 3KWKDODWH 39&

$YDLODEOH VL]HV %X\V

2QH 6L]H


%DJV

Teamster Backpack 35l 8-107074006 Navy/Red/White

Teamster Backpack 35l 8-107070005 Green

1DY\ 5HG :KLWH

Green

Teamster Backpack .KIJVYGKIJV FWTCDNG CPF UV[NKUJ VJKU KU VJG RGTHGEV RQQN DCI +FGCN HQT RCEMKPI CNN VJG MKV [QW NN PGGF HQT [QWT UYKO VJKU TWEMUCEM JCU NKVTGU QH URCEG CPF UVQTCIG /CFG HTQO NKIJVYGKIJV YCVGTRTQQH HCDTKE YKVJ C YCVGT TGUKUVCPV DCUG KVU ENGXGT YGV CPF FT[ EQORCTVOGPVU MGGR FCOR QT UYGCV[ ICTOGPVU UGRCTCVG

Teamster Backpack .KIJVYGKIJV FWTCDNG CPF UV[NKUJ VJKU KU VJG RGTHGEV RQQN DCI +FGCN HQT RCEMKPI CNN VJG MKV [QW NN PGGF HQT [QWT UYKO VJKU TWEMUCEM JCU 35 NKVTGU QH URCEG CPF UVQTCIG /CFG HTQO NKIJVYGKIJV YCVGTRTQQH HCDTKE YKVJ C YCVGT TGUKUVCPV DCUG KVU ENGXGT YGV CPF FT[ EQORCTVOGPVU MGGR FCOR QT UYGCV[ ICTOGPVU UGRCTCVG

(GCVWTGU r .KIJVYGKIJV YCVGT TGUKUVCPV HCDTKE r +PVGITCVGF YGV FT[ MKV CTGC r #FLWUVCDNG UVTCRU

(GCVWTGU r .KIJVYGKIJV YCVGT TGUKUVCPV HCDTKE r +PVGITCVGF YGV FT[ MKV CTGC r #FLWUVCDNG UVTCRU (CDTKE %QORQUKVKQP

2QN[GUVGT

#XCKNCDNG UK\GU $W[U

1PG 5K\G

(CDTKE %QORQUKVKQP

2QN[GUVGT

#XCKNCDNG UK\GU $W[U

1PG 5K\G

5FBNTUFS #BDLQBDL M 1VSQMF 1JOL

5FBNTUFS #BDLQBDL M # %JHJ $BNP 1VSQMF

3XUSOH 3LQN

'LJL &DPR 3XUSOH

5FBNTUFS #BDLQBDL

5FBNTUFS #BDLQBDL

.KIJVYGKIJV FWTCDNG CPF UV[NKUJ VJKU KU VJG RGTHGEV RQQN DCI +FGCN HQT RCEMKPI CNN VJG MKV [QW NN PGGF HQT [QWT UYKO VJKU TWEMUCEM JCU NKVTGU QH URCEG CPF UVQTCIG /CFG HTQO NKIJVYGKIJV YCVGTRTQQH HCDTKE YKVJ C YCVGT TGUKUVCPV DCUG KVU ENGXGT YGV CPF FT[ EQORCTVOGPVU MGGR FCOR QT UYGCV[ ICTOGPVU UGRCTCVG

.KIJVYGKIJV FWTCDNG CPF UV[NKUJ VJKU KU VJG RGTHGEV RQQN DCI +FGCN HQT RCEMKPI CNN VJG MKV [QW NN PGGF HQT [QWT UYKO VJKU TWEMUCEM JCU NKVTGU QH URCEG CPF UVQTCIG /CFG HTQO NKIJVYGKIJV YCVGTRTQQH HCDTKE YKVJ C YCVGT TGUKUVCPV DCUG KVU ENGXGT YGV CPF FT[ EQORCTVOGPVU MGGR FCOR QT UYGCV[ ICTOGPVU UGRCTCVG

(GCVWTGU r .KIJVYGKIJV YCVGT TGUKUVCPV HCDTKE r +PVGITCVGF YGV FT[ MKV CTGC r #FLWUVCDNG UVTCRU

(GCVWTGU r .KIJVYGKIJV YCVGT TGUKUVCPV HCDTKE r +PVGITCVGF YGV FT[ MKV CTGC r #FLWUVCDNG UVTCRU

(CDTKE %QORQUKVKQP

2QN[GUVGT

(CDTKE %QORQUKVKQP

2QN[GUVGT

#XCKNCDNG UK\GU $W[U

1PG 5K\G

#XCKNCDNG UK\GU $W[U

1PG 5K\G

97

Speedo S217 Frabenelux


5FBNTUFS #BDLQBDL M # %JHJ $BNP 3FE 8IJUF #MVF 'LJL &DPR 5HG :KLWH %OXH

5FBNTUFS #BDLQBDL .KIJVYGKIJV FWTCDNG CPF UV[NKUJ VJKU KU VJG RGTHGEV RQQN DCI +FGCN HQT RCEMKPI CNN VJG MKV [QW NN PGGF HQT [QWT UYKO VJKU TWEMUCEM JCU NKVTGU QH URCEG CPF UVQTCIG /CFG HTQO NKIJVYGKIJV YCVGTRTQQH HCDTKE YKVJ C YCVGT TGUKUVCPV DCUG KVU ENGXGT YGV CPF FT[ EQORCTVOGPVU MGGR FCOR QT UYGCV[ ICTOGPVU UGRCTCVG (GCVWTGU r .KIJVYGKIJV YCVGT TGUKUVCPV HCDTKE r +PVGITCVGF YGV FT[ MKV CTGC r #FLWUVCDNG UVTCRU (CDTKE %QORQUKVKQP

2QN[GUVGT

#XCKNCDNG UK\GU $W[U

1PG 5K\G

Speedo S217 Frabenelux

98


Size Charts

99

Speedo S217 Frabenelux


Size Charts

Speedo S217 Frabenelux

100


Size Charts

Female/Youth Swimwear UK dress/ suit size

2 / 24

4 / 26

6 / 28

8 / 30

10 / 32

12 / 34

14 / 36

16 / 38

18 / 40

20 / 42

22 / 44

24 / 46

D

28

30

32

34

36

38

40

42

44

46

48

50

FR

30

32

34

36

38

40

42

44

46

48

50

52

I

34

36

38

40

42

44

46

48

50

52

54

56

8

10

12

14

16

18

20

22

Aus

Body measurements Cms

Cms

Cms

Cms

Cms

Cms

Cms

Cms

Cms

Cms

Bust

78

82

87

92

97

102

107

112

117

122

Waist (smallest)

60

64

69

74

79

84

89

94

99

104

Hips

84

89

94

99

104

109

114

119

124

129

Male/Youth Swimwear CM

60cm

65cm

70cm

75cm

80cm

85cm

90cm

95cm

100cm

105cm

110cm

115cm

UK

24

26

28

30

32

34

36

38

40

42

44

46

D

116cm

1

2

3

4

5

6

7

8

9

10

11

F

32

34

36

38

40

42

44

46

48

50

52

54

I

38

40

42

44

46

48

50

52

54

56

58

60

ลข

14

16

18

20

22

24

26

ลข CM

80cm

85cm

90cm

95cm

100cm

105cm

110cm

AUS SIZE

Male Watershorts Male Elasticated Watershorts & Easy Fit Watershorts

Male Fixed Band Watershorts

Size

inches

cms

Size

inches

cms

x-small

29-31

72-78

x-small

30

75

small

31-33

78-83

small

32

80

medium

33-35

83-88

medium

34

85

large

35-37

88-93

large

36

90

x-large

37-39

93-98

x-large

38

95

xx-large

39-41

98-103

xx-large

40

100

101

Speedo S217 Frabenelux


Size Charts

Boys Swimwear Waist

53.5cm

58cm

61.5cm

66cm

71cm

76cm

81cm

UK Age

4yrs

5-6yrs

7-8yrs

9-10yrs

11-12yrs

13-14yrs

15-16yrs

UK

22

24

26

28

30

32

34

D

104cm

116cm

128cm

140cm

152cm

164cm

176cm

FR

4/5

6/7

8/10

11/12

13/14

15/16

I

4/5

6/7

8/10

11/12

13/14

15/16

Boys Elasticated Watershorts & Easy Fit Watershorts Size

XS

S

M

L

XL

XXL

Waist

55cm/22”

60cm/24”

65cm/26”

70cm/28”

75cm/30”

80cm/32”

Height

104

116

128

140

152

164

FR

4ans

6ans

8ans

10ans

12ans

14ans

Age

4-5yrs

6-7yrs

8-9yrs

10-11yrs

12-13yrs

13-14yrs

Girls Swimwear Waist

53cm

56cm

59cm

62cm

65cm

69cm

73cm

Chest

55.5cm

61cm

66.6cm

72cm

77.5cm

84cm

90.5cm

UK Age

4yrs

5-6yrs

7-8yrs

9-10yrs

11-12yrs

13-14yrs

15-16yrs

UK

22

24

26

28

30

32

34

D

104cm

116cm

128cm

140cm

152cm

164cm

168cm

FR

4ans

6 ans

8 ans

10 ans

12 ans

14 ans

16 ans

I

4 anni

6 anni

8 anni

10 anni

12 anni

14 anni

16 anni

Speedo S217 Frabenelux

102


Size Charts

Tots Girls & Boys Swimwear / Sun Protection GB

6-9mnths

9-12mnths

2 yrs

3 yrs

4 yrs

5 yrs

6 yrs

D

74-80 cm

80-86 cm

92cm

98cm

104cm

110cm

116cm

F

6-9 mois

9-12 mois

2 ans

3 ans

4 ans

5 ans

6 ans

I

6-9 mesi

9-12 mesi

2 anni

3 anni

4 anni

5 anni

6 anni

AUS

0

1

2

3

4

5

6

7

Size

0

1

2

3

4

5

6

7

7R Ä&#x;W

6-9mnths

9-12mnths

2yrs

3yrs

4yrs

5yrs

6yrs

7yrs

Height

74-80cm

80-84cm

92cm

100cm

110cm

115cm

120cm

125cm

Chest

-

53cm

56cm

58cm

60cm

62cm

64cm

66cm

Waist

-

52cm

54cm

55cm

56cm

57cm

58cm

59cm

Weight

9.5kg

11kg

Size

1-2

3-4

5-6

Height

92cm

104cm

116cm

Weight

54cm

56cm

58cm

AUS Size

1-2

3-4

5-6

Tots Watershorts

103

Speedo S217 Frabenelux



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.