#  

    4UBSUUPEJTDPWFSZPVSTLZ

#JOEJOHTVDDFTT 5IJTQSPEVDUDPOUBJOTTFOTJUJWFFMFDUSPOJDDPNQPOFOUTBOENBZCFEBNBHFEXIFOESPQQFE
DSBTIFEPSFYQPTFEUPXBUFS%0 /05PQFOPSBUUFNQUUPSFQBJS9QMPSFSCZZPVSTFMG$POUBDU9*30DVTUPNFSTFSWJDFPS9*30BVUIPSJ[FEEFBMFS



# $IBSHF4NBSU'MJHIU#BUUFSZBOE3FNPUF$POUSPM *NQPSUBOU4BGFUZ/PUJDF

,FZ

8BUDIUIF5VUPSJBM7JEFP

%PXOMPBET

3FHJTUFSBOE-PHJO *GZPVSFVOBCMFUPTFFUIFGSPOUPGUIF 9QMPSFS
UIJTGVODUJPOXJMMIFMQZPV NPWFUIF9QMPSFSUPXBSETUIF)0.& QPJOU 5IFVOJWFSTBMKPJOUNBZ
BGUFS TFWFSBMUJNFT
CFDPNFMPPTF 1MFBTFVTFUIFXSFODIJODMVEFE UPSFUJHIUFO

*HOPSFUIJTTUFQJGZPVSSFNPUFIBTUIFDPSSFDUTFUUJOHTBOEJGZPV EPOUXBOUUPTXJUDIUIFTUJDLGVODUJPOBMJUJFTGSPNMFGUIBOEUP SJHIUIBOE 5IFJHIU*OEJDBUPSJOVFODFT UIFSFDPSEJOHTBUOJHIU6TFUIJT TDSPMMXIFFMUPXFBLFOPSUVSO PUIFJOEJDBUPST

1MFBTFSFGFSUP$IBSHF 4NBSU'MJHIU#BUUFSZ BOE3FNPUF$POUSPM 

## 'MJHIU-FWFM4FMFDUPS $BNFSB1JUDI$POUSPM 4DSPMM8IFFM

*NQSPQFSPQFSBUJPODBOMFBEUPEBNBHFT"O JOFYQFSJFODFEVTFSTIPVMEBMXBZTTFMFDU-FWFM /PXUIF9QMPSFSDBOPOMZUBLFPJO(14NPEF "OJOFYQFSJFODFEVTFSTIPVMEPQFSBUFUIF9QMPSFS JOBOPQFOBSFBUPNBLFTVSFJUDBOFOUFS(14 'MJHIUNPEF


### 3FUVSO)PNFCVUUPO 1SFTTUIJTCVUUPOUPDBMM9QMPSFSCBDLUP)0.&QPJOU1SFTT BHBJOBGUFSMBOEJOH

1SFTTUIFCVUUPOUPFOUFS*OUFMMJHFOU0SJFOUBUJPO$POUSPMNPEF5IF 9QMPSFSXJMMJHOPSFJUTDVSSFOUPSJFOUBUJPO
CVUVTFUIF)0.&QPJOU BTBSFGFSFODF1VTIUIFTUJDLGPSXBSEUIF9QMPSFSXJMMZBXBZGSPN UIF)0.&QPJOU1VMMUIFTUJDLCBDLXBSEUIF9QMPSFSXJMMZ UPXBSET)0.&QPJOU 

### *0$CVUUPO 'MJHIU*OEJDBUPST#SJHIUOFTT $POUSPM4DSPMM8IFFM 

## 3FUSBDUBCMF.PCJMF%FWJDF)PMEFS 1VMM0VUUIFIPMEFS 1MBDFZPVSNPCJMFEFWJDF "EKVTUUIFBOHMFPGUIFIPMEFSUPZPVS EFTJSFEQPTJUJPO



## $IBOHFUIF3FNPUF$POUSPM0QFSBUJPO.PEF 'MJHIU-FWFM
.BY)PSJ[POUBM4QFFE	NT "UUJUVEF'MJHIU.PEF (14'MJHIU.PEF 'MJHIU"MUJUVEF	N 'MJHIU%JTUBODF	N .BY7FSUJDBM4QFFE	NT     5BLF0 QSPIJCJUFE       

###   

 



### 1PXFS4XJUDI $BSSZJOH)BOEMF 

# 5IF3FNPUF$POUSPM

1PXFS0''3FNPUF$POUSPM 1VTIUIFTUJDLBTSJHIUHVSFBOEIPME 5VSO0/SFNPUFDPOUSPM5IF3FNPUF$POUSPMOPXJTJO 0QFSBUJPO$POHVSBUJPO.PEF
SFMFBTFUIFTUJDLXIFOUIF DVSSFOUTFUUJOHJTEJTQMBZFE

1SFTTUIFSFUVSOIPNFCVUUPOVOUJMUIFJOEJDBUPSTTIPX ZPVSEFTJSFEPQFSBUJPONPEF 5VSO0''SFNPUF$POUSPMUPOJTIUIFDPOHVSBUJPO )JOUTBOE5JQT 8BSOJOHPS*NQPSUBOU %FOJUJPOT 

## -&%LFZ

-FGU4UJDL 3JHIU4UJDL

/FDL4USBQ "UUBDINFOU

3BOHF&YUFOEFS

(VJEFMJOF 5VSOP3FNPUF$POUSPM 1MBDFUIF3BOHF&YUFOEFSUPUIFCBDLPGUIF3FNPUF $POUSPMBDDPSEJOHUPUIF(VJEFMJOF 1VTIUIF3BOHF&YUFOEFSVOUJMBDMJDLJTIFBSE 5VSOPO3FNPUF$POUSPM
UIF8J'JDPOOFDUJPO *OEJDBUPSUVSOT3&%NFBOTUIF3BOHF&YUFOEFS JOTUBMMFETVDDFTTGVMMZ 

###   

4UFQ 4UFQ 4UFQ 4UFQ

4UFQ 4UFQ 4UFQ

4UFQ 4UFQ &OTVSF4NBSU'MJHIU#BUUFSZBOE3FNPUF$POUSPMBSFGVMMZDIBSHFE CFGPSFZJOHUIF9QMPSFS -PDBUJPOCBTFEGVODUJPOT&OBCMFEPOMZJO(14'MJHIU.PEF

-PDBUJPOCBTFEGVODUJPOT&OBCMFEPOMZJO(14'MJHIU.PEF 0'' #MJOLJOH 0/



### #BUUFSZ-FWFM

*OEJDBUPST #BUUFSZ-FWFM $IFDLCVUUPO 

## 3FNPUF$POUSPM0QFSBUJPO *OTUBMM3BOHF&YUFOEFS 'PS9QMPSFS7(POMZ 

### "JSDSBGU$POOFDUJPOJOEJDBUPS "JSDSBGUDPOOFDUFE "JSDSBGUBMBSN 

### (14*OEJDBUPS (14NPEF "UUJUVEFNPEF "JSDSBGUEJTDPOOFDUFE 

### 8J'J$POOFDUJPO*OEJDBUPS (JNCBM3BOHF&YUFOEFSDPOOFDUFE 3BOHF&YUFOEFSDPOOFDUFE /P3BOHF&YUFOEFS 1VTICBDLUIFIPMEFSBGUFSVTF 5IFNBYNFBTVSFNFOUPG.PCJMF %FWJDFTTVQQPSUFENN9 NN



### #BUUFSZJOEJDBUPS JO3FNPUF$POUSPM
$IBSHJOH
#BUUFSZ4UBUVT'VMM #BUUFSZ4UBUVT/PSNBM #BUUFSZ4UBUVT-PX $IBSHJOH	3FNPUF$POUSPM0'' $IBSHJOH	3FNPUF$POUSPM0/ 3FNPUF$POUSPM0'' 3FNPUF$POUSPM0/

5IF3FNPUF$POUSPMXJMMTUPSFUIFTFUUJOHT 

## 16--

)0.&1PJOU

4UFQ

4UFQ 'MZ'PSXBSE 'MZ'PSXBSE

'MZ#BDLXBSE 'MZ#BDLXBSE

'MZMFGU 'MZMFGU

'MZSJHIU 'MZSJHIU

3PUBUFDPVOUFS DMPDLXJTF "TDFOE

%FTDFOE 3PUBUF DMPDLXJTF 3PUBUFDPVOUFS DMPDLXJTF
"TDFOE

%FTDFOE
3PUBUF DMPDLXJTF

.PEF*OEJDBUPS .PEF*OEJDBUPS .PEF*OEJDBUPS .PEF*OEJDBUPS 6TFUIF1MVH"EBQUPSJG OFDFTTBSZ 0OMZVTFUIF9*30CBUUFSZBOE9*30CBUUFSZ DIBSHFSGPSUIF9QMPSFS9*30EPFTOPUUBLFBOZ SFTQPOTJCJMJUZGPSEBNBHFTDBVTFECZUIJSE QBSUZCBUUFSJFTPSCBUUFSZDIBSHFST %0/05DIBSHFCBUUFSZJNNFEJBUFMZBGUFSJHIU 3FQMBDFUIFCBUUFSZJGUIJTIBTCFFOEJTDIBSHFE PWFSUJNFT /FWFSSFDIBSHFPSVTFB	WJTVBMMZ
EFGFDUJWF CBUUFSZ 1MFBTFNBLFTVSFUIBU
XIFOOPUJOVTFGPSB MPOHUJNF
UIFCBUUFSZJTDIBSHFEPOMZPS MFTT %JTDIBSHFUIFCBUUFSZDPNQMFUFMZPODFFWFSZ DIBSHFEJTDIBSHFDZDMFT5IJTXJMMPQUJNJ[F CBUUFSZMJGF 1MFBTFEFMJWFSVTFECBUUFSJFTUPUIFEFTJHOBUFE CBUUFSZEJTQPTBMMPDBUJPOT *GCBUUFSZBDJEHFUTPOZPVSTLJOPSJOZPVSFZFT
 JNNFEJBUFXBTIZPVSTLJOPSFZFTXJUIGSFTI XBUFSGPSBUMFBTUNJOVUFTBOETFFZPVS EPDUPSJNNFEFEJBUFMZ 1VUPVUCBUUFSZSFCZVTJOHTBOEPSVTUIFESZ QPXEFSFYUJOHVJTIFS%0/05VTFXBUFS 

## 4NBSU'MJHIU#BUUFSZ4BGFUZ(VJEFMJOF 

   

 



1MFBTFSFBEUIFVTFSNBOVBMBOECBUUFSZXBSOJOHTCFGPSFVTF5IFVTFSUBLFTGVMMSFTQPOTJCJMJUZGPSBMMPQFSBUJPOTBOE VTBHF 5IF3FNPUF$POUSPMDBOCFDIBSHFECZ1$PS64#DIBSHFS 

# Android 4.4+ 

# iOS8.0+ 

# 6TFS.BOVBM 7FSTJPO&/

7 

### "VUP5BLFP-BOEJOHCVUUPO -PDBUJPOCBTFEGVODUJPOT&OBCMFEPOMZJO(14'MJHIU.PEF 1SFTTUIJTCVUUPOBOEUIF9QMPSFSXJMMTMPXMZUBLFPBOETUBSUIPWFSJOHBU NFUFSTIFJHIU1SFTTUIFCVUUPOBHBJOBGUFSUIFUBLFPIBTCFFOOBMJ[FE "VUP5BLFP (14'MJHIU .PEF .PSFUIBO(14TBUFMMJUFTBSFBWBJMBCMF5IF9QMPSFSJT SFBEZUPZ-PDBUJPOCBTFEGVODUJPOTBSFFOBCMFE "UUJUVEF'MJHIU .PEF -FTTUIBO(14TBUFMMJUFTBSFBWBJMBCMF5IF9QMPSFSJT SFBEZUPZ	XJUIPVU(14
-PDBUJPOCBTFEGVODUJPOTBSF OPUFOBCMFE

3FUVSO)PNF 9QMPSFSBVUPNBUJDBMMZSFUVSOTUP)0.&QPJOU 3FUVSO3PVUF8IFOUIFIPSJ[POUBMEJTUBODFCFUXFFO )0.&QPJOUBOEUIF9QMPSFSTQPTJUJPOJTMFTTUIBO NFUFSTPSJUTIFJHIUJTNPSFUIBONFUFST
UIF9QMPSFS XJMMZCBDLUP)0.&QPJOUBUDVSSFOUIFJHIU8IFOUIF EJTUBODFCFUXFFO)0.&QPJOUBOE9QMPSFSTQPTJUJPOJT NPSFUIBONFUFSTBOEJUTIFJHIUJTMFTTUIBO NFUFST
UIF9QMPSFSXJMMSTUBTDFOEUPNFUFSTBOE BGUFSXBSETXJMMZCBDLUP)0.&QPJOU )0.&1PJOU 5IF(14QPTJUJPOUIF9QMPSFSSFDFJWFTBGUFSBDIJFWJOH UIF(14'MJHIU.PEF



### $IBSHJOH *OEJDBUPSCMJOLJOH 

### #BUUFSZ4UBUVT'VMM "MMJOEJDBUPST0'' "EKVTUBCMFJO"11HSPVOETUBUJPOGVODUJPO

"DDFTUIF*OUFSOFUGPS SFHJTUSBUJPOBOEMPHJO 4DBO23DPEFBUUIFSJHIUTJEFUP EPXOMPBEBOEJOTUBMMUIF9*30 BQQ 1MFBTFVTFUIFMJOLCFMPXUPXBUDIUIFUVUPSJBMWJEFPTGPSBTBGFBOEDPSSFDUXBZUPVTF UIF9QMPSFSTFSJFTIUUQXXXYJSPESPOFDPNTVQQPSU

)PWFSUIF9QMPSFSPWFSBTFMFDUFEQMBOFMBOEJOHQPJOU1SFTTUIJTCVUUPO
BOE UIF9QMPSFSXJMMEFTDFOETMPXZBOEMBOE1SFTTUIFCVUUPOBHBJOBGUFSUIFUBLF PIBTCFFOOBMJ[FE "VUP-BOEJOH

5IF3FNPUF$POUSPMJTTFUUP.PEFCZ EFGBVMU*GUIJTTFUUJOHJTJODPOTJTUFOUXJUI ZPVSQSFWJPVTVTBHF
QMFBTFSFGFSUP $IBOHF3FNPUF$POUSPM0QFSBUJPO.PEF $POUSPMTUJDLJTQMBDFEJODFOUSBMQPTJUJPO 4UJDL/FVUSBM.JEQPJOU 

### 5IF/PTF


## $PNQMJBODF7FSTJPO$POHVSBUJPO "TUSBOTNJTTJPOQPXFSMFWFMSFHVMBUJPOTDBOWBSZCFUXFFO EJFSFOUHFPHSBQIJDBMMPDBUJPOT
UIF9QMPSFS3FNPUF$POUSPMT QPXFSPVUQVUDBOCFBEKVTUFE#FTVSFUPGPMMPXSFMFWBOUMPDBM SFHVMBUJPOT 1PXFS0''SFNPUFDPOUSPM 1VTIUIFTUJDLBTSJHIUHVSFBOEIPME 5VSO0/SFNPUFDPOUSPM5IF3FNPUF$POUSPMOPXJTJO $PNQMJBODF$POHVSBUJPO.PEF3FMFBTFTUJDLXIFO DVSSFOUTFUUJOHJTEJTQMBZFE
.PWFUIF$BNFSBQJUDITDSPMMXIFFMDMPDLXJTFGPS$& BOEDPVOUDMPDLXJTFGPS'$$ 5VSO0''UIFSFNPUFDPOUSPMUPOJTIDPOHVSBUJPO 4UFQ 4UFQ 4UFQ

4UFQ 4UFQ 7FSTJPO   '$$ $&

$& '$$
8IFOUIFSFNPUFDPOUSPMJTUVSOFE0/JOEJDUPSJOUIFSJHIU TJEFXJMMCFCMJOLJOHGBTUUPTIPXJUTDVSSFOUDPNQMJBODF TFUUJOH3&%JT'$$NPEFBOE(SFFOJT$&NPEF 0QFSBUJOH%JTUBODF

#    

΍

Ύ Ώ Ύ ΐ Ώ Ύ

-PDLFE

### Α -PDLFE



## 5BLFPBOE-BOEJOHJO"UUJUVEF'MJHIUNPEF $POOFDUJOHUIF$BNFSB 1PXFS0/UIF3FNPUF$POUSPM 1PXFS0/UIFBJSDSBGU 8BJUVOUJMUIF8J'JDPOOFDUJPOJOEJDBUPSUVSOT(3&&/ &OBCMF8J'JJOZPVSNPCJMFEFWJDF
XBJUGPS TFDPOET
BOEUIFOTFMFDU91-03&3999999GSPNUIF 8J'J/FUXPSL-JTU 3VOUIF9*30BQQPOZPVSNPCJMFEFWJDF 1SFTTUIF$BNFSBJDPOBOEUIF9*30"QQXJMMCFHJOB MJWFDBNFSBQSFWJFX5IFXIPMFTZTUFNJTGVODUJPOJOH OPSNBMMZOPX 

## $PNQBTT$BMJCSBUJPO .BLFTVSFUPDBMJCSBUFUIFDPNQBTTXIFOZJOHJOBOFXMPDBUJPO5IFDPNQBTTJTWFSZTFOTJUJWFUPFMFDUSPNBHOFUJD JOUFSGFSFODF5IJTDBODBVTFBCOPSNBMDPNQBTTCFIBWJPS
XIJDIMFBETUPBQPPSJHIUQFSGPSNBODF3FHVMBSDBMJCSBUJPOPG UIFDPNQBTTJTSFRVJSFEGPSPQUJNBMQFSGPSNBODF %0/05DBMJCSBUFUIFDPNQBTTJOBSFBTXJUITUSPOHNBHOFUJDJOUFSGFSFODFJFQBSLJOHTUSVDUVSFTPSBSFBTXJUITUFFM SFJOGPSDFNFOUVOEFSHSPVOE %0/05DBSSZNBHOFUJDNBUFSJBMTXIFODBMJCSBUJOHUIFDPNQBTT %0/05DBMJCSBUFUIFDPNQBTTOFYUUPNBTTJWFNFUBMPCKFDUT 
     

## (JNCBM1PXFS0O$IFDL *GBHJNCBMNPUPSFSSPSJTEFUFDUFEPSUIFHJNCBMDMBNQJTOPU SFNPWFEBGUFSUIFQPXFSJTTXJUDIFEPO
UIFSFXJMMCFBXBSOJOH NFTTBHFPOUIFDBNFSBQBHFPGUIF9*30"QQ

.BLFTVSFUIF9QMPSFSJTQMBDFEJOB TBGFBOEPQFOBSFB%0/05QPJOU UIFGSPOUPGUIF9QMPSFSUPUIFVTFS
1MFBTFLFFQBUMFBTUNFUFST BXBZGSPNUIF9QMPSFSXIFO UBLJOHP



### 4UFQ 4UFQ 4UFQ 'SPOU'MJHIU*OEJDBUPST 3&%JOEJDBUFTUIFGSPOUPGUIF 9QMPSFS 

### 5IF/PTF -BOEJOH(FBS 1VTIBMMMBOEJOHHFBSTUP WFSUJDBMQPTJUJPOXIFO ZJOHXJUIB(JNCBM (JNCBMXJMMCFMPDLFEUPFYQFSJFODFUIF9QMPSFSBT'17 5IFHJNCBMXJMMTUBCJMJ[FUIFDBNFSBUISPVHIBYFTGPSTNPPUIBFSJBMSFDPSEJOHT '17.PEF /PO'17.PEF 

### (JNCBM$MBNQ $BNFSB$PWFS 7JTJPO(JNCBM (P1SP(JNCBM 4VQQPSUVQUP(#4%DBSE 

### (#.JDSP4%DBSE

*OFYQFSJFODFEVTFSTBSFSFDPNNFOEFEUPVTFUIF 1SPQFMMFS(VBSET1MFBTFDPOUBDUZPVSMPDBM9*30 BVUIPSJ[FEEFBMFSPSWJTJUUIF9*30XFCTJUF 'PS9QMPSFS7(POMZ

1MBDF9QMPSFSXJUIUIFTNBSUJHIUCBUUFSZGBDJOHUPXBSET ZPVJOBOPQFOBSFB 4FMFDUBTVJUBCMFJHIUMFWFM 1PXFS0/UIF3FNPUF$POUSPM 1PXFS0/UIFBJSDSBGU 8BJUVOUJMUIF3FBS'MJHIU*OEJDBUPSCMJOLT(SFFO	(14'MJHIU .PEF
PS:FMMPX	"UUJUVEF'MJHIU.PEF
 $BMJCSBUF$PNQBTT 4UBSU.PUPST 

## 'MJHIU5FTU

5BLJOHP -BOEJOH 4UFQ 4UFQ 4UFQ 4UFQ 4UFQ 4UFQ 4UFQ

4NBSU'MJHIU#BUUFSZBOE3FNPUF$POUSPMBSFGVMMZ DIBSHFE 1SPQFMMFSTBSFNPVOUFESNMZ -FOTDBQIBTCFFOSFNPWFE (JNCBMDMBNQIBTCFFOSFNPWFE .JDSP4%DBSEIBTCFFOJOTFSUFE (JNCBMJTGVODUJPOJOHOPSNBMMZ 9*30"QQDBODPOOFDUUPUIF$BNFSB 

## $IFDL-JTUCFGPSFBFSJBMVTBHF

8IFODPNQBTTEBUBJTBCOPSNBM
UIF3FBS'MJHIU *OEJDBUPSXJMMCMJOLSFEBOEZFMMPX 4FWFSFESJGUJOHPDDVSTJOJHIUPSIPWFSJOH 

## 8IFOUP3FDBMJCSBUF          4NBSU'MJHIU#BUUFSZBOE3FNPUF$POUSPMBSFGVMMZ DIBSHFE 1SPQFMMFSTBSFNPVOUFESNMZ "MMMBOEJOHHFBSTBSFJOIPSJ[POUBMQPTJUJPO    

## 3FNPWJOHUIF1SPQFMMFST "TTFNCMFUIFQSPQFMMFSTUPJUTDPSSFTQPOEJOHNPUPST 

## "TTFNCMZUIF1SPQFMMFST

5IF3FBS'MJHIU*OEJDBUPSTUBUVT JGUIFDBMJCSBUJPOGBJMFE 

### $BNFSB'VODUJPO#VUUPO 1SFTTPODF 1SFTTTFDPOET 1IPUP 7JEFP

%POPUVTFUIF9QMPSFSJOTFWFSFXFBUIFSDPOEJUJPOT
MJLFXJOE TQFFETFYDFFEJOHDBU
TOPX
SBJOBOETNPH )JHICVJMEJOHTPSTUFFMTUSVDUVSFTNBZBFDUUIFBDDVSBDZPGUIF POCPBSEDPNQBTT
XFBEWJTFUPZJOPQFOFMET ,FFQUIF9QMPSFSBXBZGSPNPCTUBDMFT
DSPXET
IJHIWPMUBHF QPXFSMJOF
USFFTBOEXBUFSEVSJOHJHIU 5IF9QMPSFSDBOOPUZOFBSUIFQPMBSBSFBT %POPUZUIF9QMPSFSJOOPZ[POFTTQFDJFECZMPDBMMBXTBOE SFHVMBUJPOT 

## 'MJHIU&OWJSPONFOU3FRVJSFNFOUT     

4UFQ 4UFQ 4UFQ 4UFQ 4UFQ 4UFQ 1SFTTUIF"VUPUBLFPMBOEJOHCVUUPO
UIF9QMPSFSXJMMUBLFP 1SFTTUIFCVUUPOBHBJOBGUFSUBLFP )PWFSPWFSBBUTVSGBDF
QSFTTUIF"VUPUBLFPMBOEJOHCVUUPO
 UIF9QMPSFSXJMMEFTDFOEBOEMBOE1SFTTUIFCVUUPOBHBJOBGUFS MBOEJOH

5BLJOHP -BOEJOH 1VTIGPSXBSEUIFMFGUTUJDLTMPXMZUPUBLFP 1VTICBDLXBSEUIFMFGUTUJDLTMPXMZUPEFTDFOE.PUPSTXJMM TUPQBVUPNBUJDBMMZBGUFSMBOEJOH 

## 5BLFPBOE-BOEJOHJO(14'MJHIUNPEF *O"UUJUVEF'MJHIU.PEF *O(14'MJHIU.PEF 8IFOUIF9QMPSFSMPTFTDPOOFDUJPOXJUIUIFSFNPUFDPOUSPM
JU XJMMSFUVSOUPUIFMBTUDPOOFDUFEQPTJUJPO5IF9QMPSFSXJMMUSZUP SFDPWFSUIFDPOOFDUJWJUZGPSTFDPOETCFGPSFSFUVSOJOHUPUIF )0.&QPJOU 8IFOUIF9QMPSFSMPTFTDPOOFDUJPOXJUIUIF3FNPUF$POUSPMJO "UUJUVEFJHIUNPEF
JUNJHIUESJGUBXBZ
CVUXJMMUSZUPSFDPOOFDU DPOUJOVPVTMZ5IFBJSDSBGUXJMMTUBSUUPEFTDFOETMPXMZXIFOUIF CBUUFSZQPXFSHFUTMPX 

## 5IFMPTUDPOOFDUJPOGVODUJPOBMJUZ

8JUIUIF9*30BQQZPVDBOUSBJOZPVS'MJHIUTLJMMTVTJOHUIF5SBJOJOH (VJEF"MTPZPVDBODPOTVMUUIFJOTUSVDUJPONBOVBMTGPSNPSF DPOHVSBUJPOT 

## "EWBODF'MJHIU4LJMM5SBJOJOH *UJTQPTTJCMFUPDIBOHF9QMPSFSTQPTJUJPOEVSJOHBVUPUBLFPPSMBOEJOH

3FDPSEJOHTPOMZJO(14'MJHIU.PEF "MXBZTZJOHPPE
ESZBOEDMFBSXFBUIFS DPOEJUJPOT $IBOHFUIFDBNFSBTFUUJOHTBTZPVXJTI .BLFBUFTUJHIUUPHFUGBNJMJBSXJUIUIF9QMPSFS .PWFUIFTUJDLTHFOUMZUPNBOPFVWSFUIF9QMPSFJOB TUBCMFBOETNPPUINBOOFS      3FQFBUTUFQUP3FDBMJCSBUFDPNQBTT *GUIF9QMPSFSSFDPOOFDUTXJUIUIF3FNPUF$POUSPMEVSJOH UIFSFUVSOUP)0.&QPJOU
JUXJMMTUPQBOEIPWFSBUUIF SFDPOOFDUFEQPJOU5IFVTFSJTBCMFUPIBWFGVMMDPOUSPM BHBJO 5IFVTFSDBONPWFXJUIUIF3FNPUF$POUSPMUPXBSETUP UIFJHIUEJSFDUJPOJGUIFDPOOFDUJPOXJUIUIF9QMPSFSJT MPTUJOUIF"UUJUVEF'MJHIU.PEF5IFDPOOFDUJPONBZ SFFTUBCMJTIFEXIFOUIFEJTUBODFJTSFEVDFE

 *GUIF'MJHIU-FWFMJTTFMFDUFEUP
UIF9QMPSFSDBOOPUUBLFPJO"UUJUVEF 'MJHIUNPEF	3FBS'MJHIU*OEJDBUPSCMJOLTZFMMPX
 %0/05BUUBDIUIF(JNCBMJO5FTU'MJHIUPS5SBJOJOHJHIU %POPUFYFDVUFUIJT4$$EVSJOHOPSNBMJHIU
 UIJTXJMMTUPQUIFNPUPSTBOEDBVTFUIF9QMPSFS UPESPQ



# "FSJBM3FDPSEJOHT 'MJHIU 5IF9QMPSFS (JNCBM

3FNPWFUIF(JNCBM$MBNQCFGPSFQPXFSPO #FBXBSF
ZJOHJOXFUDPOEJUJPOT	JFZJOHJOBDMPVE
DBO MFBEUPUFNQPSBSZGBJMVSFPGUIF(JNCBM"GUFSESZJOHJUXJMM GVODUJPOOPSNBM

'SPOU%PXO $IFDLJGUIFQSPQFMMFSTBSFJOTUBMMFESNMZ %POPUVTFCSPLFOQSPQFMMFST 4UBOEDMFBSPGBOEEPOPUUPVDIQSPQFMMFSTXIFOUIFZBSFTQJOOJOH 6TFBHMPWFXIFOJOTUBMMJOHPSSFNPWJOHUIFQSPQFMMFST %0/05JOTFSUPSSFNPWFBO4%DBSEXIFOUIF9MQPSFSJTQPXFSFE0/ 9*30"QQNBZOPUCFBCMFUPSFBETPNF.JDSP4%DBSET*UJTSFDPNNFOEFEUPVTF UIF9*30"QQUPSFGPSNBUOFX.JDSP4%DBSET  



### 7FSUJDBM1PTJUJPO )PSJ[POUBM

1PTJUJPO $BNFSB*OEJDBUPS 5JNJOH1IPUP 7JEFP3FDPSEJOH



### 3FBS'MJHIU*OEJDBUPST

4MJWFS

$BMJCSBUJPO1SPDFEVSFT 1SPQFMMFS(VBSET

1SPQFMMFS .PUPS

1$1PSU $POOFDUUP1$WJB.JDSP 64#DBCMF 

### 4MJWFS NBSLT



# N 4UBUVT$IFDLJOH (14'MJHIU.PEF "UUJUVEF'MJHIU.PEF 

### 3FBS'MJHIU*OEJDBUPST 4UBVUT0,

*0$TUBUVT

(JNCBMDPOOFDUJPOGBJMVSF #BUUFSZ$SJUJDBM%FTDFOETMPXMZ 

### 3FBS'MJHIU*OEJDBUPST 4UBUVT/PU0, #BUUFSZ-PX3FUVSOIPNF"4"1 (14GBJMVSF3FCPPU $PNQBTTGBJMVSF3FDBMJCSBUJPO 3FUVSO)PNF%JTDPOOFDUFEXJUI3$



### .PEF
.PEF

1MBDFUIF9QMPSFSPOBIPSJ[POUBMTVSGBDFBOEQSFTTUIF 0/CVUUPO 8BJUVOUJMUIF3FBS'MJHIU*OEJDBUPSCMJOLT(SFFO	(14 'MJHIU.PEF
PS:FMMPX	"UUJUVEF'MJHIU.PEF
 1VMMEPXOUIFUISPUUMFUPJUTMPXFTUQPTJUJPOBOEIPME
 1SFTTUIF*0$CVUUPOJODZDMFT5IF3FBS*OEJDBUPS XJMMUVSOUPTPMJEHSFFOJOEJDBUJOHUIBUZPVDBOTUBSUUIF DBMJCSBUJPOOPX 3PUBUFUIF9QMPSFSIPSJ[POUBMMZGPSoVOUJMUIF3FBS 'MJHIU*OEJDBUPSTCMJOLZFMMPXGBTU5IFSFBSJHIU JOEJDBUPSTTIPVMETUBZTPMJEHSFFOXIJMFSPUBUJOH 3PUBUFUIF9QMPSFSWFSUJDBMMZGPSo	'SPOUEPXOXBSET
 VOUJMUIF3FBS'MJHIU*OEJDBUPSTCMJOL(SFFOPS:FMMPX TMPXMZ,FFQUIF3FBS'MJHIU*OEJDBUPSJOTPMJEZFMMPX XIFOSPUBUJOH 4UFQ 4UFQ 4UFQ

4UFQ
4UFQ 

### 1$QPSU $POOFDUUP1$WJB.JDSP 64#DBCMF



### 1PXFS4XJUDI 1SFTTVOUJMMJHIUTXJUDIFT0/ 1SFTTVOUJMMJHIUTXJUDIFT0'' 5IF9QMPSFSJTQPTJUJPOJOH 5IF9QMPSFSJTQPTJUJPOFE #BUUFSZOPUMPDLFE 1PXFS0/ 1PXFS0'' #MJOLJOH 0/ 'BTU#MJOLJOH

5IF3FBS'MJHIU*OEJDBUPSTXJMMCMJOL3FEGBTUBOEUIF9QMPSFSXJMMCFHJOUPEFTDFOEBOE MBOEBVUPNBUJDBMMZJGUIFEJTUBODFCFUXFFO9QMPSFSBOE)PNFQPJOUJTNPSFUIBO NFUFST5IF9QMPSFSXJMMSFUVSOUP)PNF1PJOUJGUIFEJTUBODFJTMFTTUIBONFUFST $SJUJDBM-PX#BUUFSZ-FWFM

5IFBJSDSBGUJO(14NPEF 3FNPUF7JCSBUJOHDPOUJOVPVTMZ
UIFCBUUFSZJOEJDBUPSUVSOT3&%

5IF3FBS'MJHIU*OEJDBUPSTXJMMCMJOL3FEGBTUBOEUIFBJSDSBGUXJMMCFHJOUP EFTDFOEBOEMBOEBVUPNBUJDBMMZ 5IFBJSDSBGUJO"UUJUVEFNPEF 5IFBJSDSBGUXJMMUSJHHFSBDSJUJDBMCBUUFSZXBSOJOHXIFOCBUUFSZDBQBDJUZJTDSJUJDBMMZMPX

5IFVTFSDBODBMMCBDLUIF9QMPSFSCZQSFTTJOHUIF3FUVSO)PNFCVUUPOXIFOUIFCBUUFSZSVOTMPX 

## 4UBSUJOH.PUPST

4UFQ 4UFQ 4UFQ 4UFQ"4UJDL$PNCJOBUJPO$PNNBOE	4$$
BTTIPXOJOUIFHVSFBUUIF SJHIUJTVTFEUPTUBSUUIFNPUPSTJOTUFBEPGQVTIJOHUIFTUJDLVQ 0ODFUIFNPUPSTIBWFTUBSUFE
SFMFBTFCPUITUJDLTTJNVMUBOFPVTMZ

5IFTBNF4$$JTVTFEGPSTUPQQJOHUIFNPUPSTBTGPSTUBSUJOHUIF NPUPST1MFBTFDIFDL4UBSUJOH.PUPSTQSPDFEVSFUPTUPQUIF NPUPST 0ODFUIFNPUPSTIBWFTUPQQFE
SFMFBTFCPUITUJDLTTJNVMUBOFPVTMZ 

## 4UPQQJOH.PUPST :PVDBOOPUTUBSUNPUPSTXIFOUIFJHIUMFWFMJTTFUUPMFWFMBOE UIF9QMPSFSJTJO"UUJUVEF'MJHIU.PEF5IFSFBSJHIUJOEJDBUPSXJMM CMJOLGBTUBTSFNJOEFS 

## $IFDL-JTUCFGPSFJHIU	/P(JNCBM

-PX#BUUFSZ-FWFMXBSOJOH 

## -PX#BUUFSZ-FWFM8BSOJOHGVODUJPO 5IF9QMPSFSXJMMUSJHHFSUIF-PXCBUUFSZXBSOJOHPOUIF 3FNPUF$POUSPMXIFOCBUUFSZDBQBDJUZJTMPX 3FNPUF *OUFSNJUUFOUWJCSBUJPO
UIFCBUUFSZ JOEJDBUPSUVSOT3&% 5IFBJSDSBGU5IF3FBS'MJHIU*OEJDBUPSCMJOLJOH TMPXMZJO3&% "11 "XBSOJOHNFTTBHFXJMMBQQFBS *GUIF#BUUFSZ-PDL#VUUPOJTOPUJOMPDLQPTJUJPO
UIF9QMPSFSDBOOPUUBLFPBOEUIFQPXFSTXJUDIXJMMLFFQCMJOLJOHGBTU 

## 3FNPWF4NBSU'MJHIU#BUUFSZGSPNBJSDSBGU 1MBDFUIFCBUUFSZPOCBDLPGUIFBJSDSBGUBDDPSEJOH UPUIFHVJEFMJOF 1VTICBUUFSZGPSXBSE 1VTIEPXOUIFCBUUFSZMPDLCVUUPOUPMPDLUIF CBUUFSZ 1VTIUIF#BUUFSZ-PDL#VUUPO61 1VTIUIFCBUUFSZCBDLXBSE 

## *OTUBMM4NBSU'MJHIU#BUUFSZUPBJSDSBGU 4UFQ 4UFQ 4UFQ 4UFQ 4UFQ



### Ώ #BUUFSZ-PDL#VUUPO (VJEFMJOF ΍ Ύ

΍ Ύ

3FNPWFUIFQSPQFMMFSTNBOVBMMZCZTQJOOJOHUIF QSPQFMMFSUPUIFVOMPDLEJSFDUJPOBTNBSLFE



## 3FOBNF3BOHF&YUFOEFS44*% 1MFBTFDIBOHF3BOHF&YUFOEFS44*%JGEFTJSFE 1VUUIF-BOEJOH(FBSJO IPSJ[POUBMQPTJUJPOBOE SFNPWF4NBSU'MJHIU#BUUFSZ 3FNPWFUIFGSPOUDPWFS 

## *OTUBMMUIF(JNCBMUPUIF9QMPSFS

5IF8J'JDPOOFDUJPOJOEJDBUPSUVSOT(3&&/XIFO(JNCBMJTDPOOFDUFEUPUIF3BOHF&YUFOEFS 5IF(JNCBM$"//05DPOUSPM(P1SPDBNFSB0OMZ SFBMUJNFQSFWJFXJTTVQQPSUFE 

## *OTUBMM(P1SP)FSP UPUIF(JNCBM 0OMZGPS9QMPSFS( 

## 3FNPWFUIF(JNCBMGSPNUIF9QMPSFS 1VU-BOEJOH(FBSTJOIPSJ[POUBMQPTJUJPOBOESFNPWF UIF4NBSU'MJHIU#BUUFSZ 1VMMUIF(JNCBM-PDLPVUXBSE 3FNPWFUIF(JNCBMCZNPWJOHJUUPUIFSJHIU 4UFQ 4UFQ 4UFQ 4UFQ 4UFQ 4UFQ 4UFQ

*OTUBMMUIF4NBSU'MJHIU#BUUFSZBOEQVUUIF MBOEJOHHFBSJOUIFWFSUJDBMQPTJUJPO 3FNPWF(JNCBMDMBNQ 4UFQ 4UFQ*OTFSUUIF(JNCBMJOUPUIFMFGUTMPU 1VTIUIF(JNCBMVOUJMBDMJDLJTIFBSE

4UFQ.BLFTVSFUIF(JNCBMJTJO-PDLFEQPTJUJPO

1PXFS0/UIF3FNPUF$POUSPM 1PXFS0OUIF9QMPSFS 4UFQ 4UFQ (JNCBMJTBTFOTJUJWFEFWJDF%0/PUJOTUBMMUIFHJNCBMUP UIF9QMPSFSVOUJMZPVBSFTLJMMFEVTFS

3FNPWFUIFDBNFSBDPWFS
 XIJDIJTNBHOFUJDBMMZ BUUBDIFEUPUIFDBNFSB
 STU
BGUFSXBSETBUUBDIUIF MFOTMUFS 

### -FOTDBQ -FOT'JMUFS 

## "UUBDIUIF-FOT'JMUFS 0OMZGPS9QMPSFS7

6TFUIFMFOTMUFSUPNBLFCFUUFSQJDUVSFTJOTVOOZ DPOEJUJPOT