<![CDATA[AMENDED & RESTATED BONUS PROGRAM]]>



 Exhibit 10.3 
 NCI BUILDING SYSTEMS, INC. 
 BONUS PROGRAM 

[As Amended as of December 5, 2011] 
 The Bonus Program (the “Program”) is as follows: 
 1. Purpose.
The purpose of the Program is: 
 (A) To provide exceptional cash rewards earned by exceptional performance; and 

(B) To focus management attention on key objectives of the Company by basing their bonus on return on assets and growth in earnings per
share. 
 2. Administration. The Program will be administered and interpreted by the Compensation Committee of the Board
of Directors of the Company (the “Committee”). 
 3. Maximum Bonuses and Bonus Performance Standards.

 (A) Maximum Bonuses. The aggregate maximum bonus pool to be paid pursuant to the Program in any fiscal year (including
all bonuses and any related 401(k) profit sharing plan matches, social security taxes and other employer costs) for all of the Company’s employees shall not exceed fifteen percent (15%) of the Company’s Adjusted Pre-Tax Profit before
(i) any accrual for bonuses payable pursuant to the Program for that fiscal year, and (ii) accruals with respect to awards made under the Company’s 2003 Long-Term Incentive Plan (the “Maximum Bonus Amount”). If the aggregate
bonuses to be paid pursuant to the Program for Level 1A, Level 1B, Level 2, Level 3 and Level 4 participants and the Non-Management Bonus Pool in any fiscal year exceed the Maximum Bonus Amount, then the bonuses to be paid
to Level 1A, Level 1B, Level 2, Level 3 and Level 4 participants shall be reduced on a pro rata basis to an amount such that the aggregate bonuses to be paid pursuant to the Program for Level 1A, Level 1B,
Level 2, Level 3 and Level 4 participants and the Non-Management Bonus Pool in that fiscal year equal the Maximum Bonus Amount. 
 (B) Combination of ROA and EPS. Level 1A and Level 1B participants will be eligible for the award of an annual cash bonus equal to a percentage of their respective base salaries, based
upon the Company’s achievement of a specified ROA, a specified EPS Growth or a combination of ROA and EPS Growth for the fiscal year. No cash bonuses will be awarded to these participants if ROA is less than 5%. 

(1) Level 1A and 1B Participants. Level 1A participants are eligible for a target bonus amount equal to 100%
of the individuals’ base salary. Level 1B participants are eligible for a target bonus amount equal to 75% of the individuals’ base salary. Cash bonus awards, expressed as a percentage of the individuals’ target bonus amount, for
which Level 1A and 1B participants are eligible will be based on the grid of ROA and EPS Growth achievement attached hereto as Exhibit A. 
 (C) ROA Only. Levels 2, 3 and Level 4 participants will be eligible for the award of a cash bonus equal to a percentage of their respective base salaries, based upon the Company’s
achievement of a specified ROA for the fiscal year. No cash bonuses will be awarded to these participants if ROA is less than 5%. 







 (1) Level 3 Participants. The Committee shall place all
Level 3 participants in five categories. If ROA is 5% or more, Level 3 participants will be eligible for a cash bonus in accordance with the following table: 
  


									
	 	 	 Target Bonus as
Percentage
of
Salary
	 	 Minimum Bonus as
Percentage of Salary
(5% of
ROA
Threshold)
	 	 Additional Percentage of
Base Salary for each
1%
Increment of ROA in
Excess of 5% up to 15%
	 	 Additional Percentage of
Base Salary for each
1%
Increment of ROA in Excess
of 15%

	 Level III
	 		 		 		 	
	 A
	 	30%	 	1.50%	 	0.600%	 	2.250%
	 B
	 	35%	 	1.75%	 	0.700%	 	2.625%
	 C
	 	40%	 	2.00%	 	0.800%	 	3.000%
	 D
	 	45%	 	2.25%	 	0.900%	 	3.375%
	 E
	 	50%	 	2.50%	 	1.000%	 	3.750%
	 F
	 	60%	 	3.00%	 	1.200%	 	4.500%

 (2) Level 4 Participants. If ROA is 5% or more, Level 4 participants
will be eligible for a cash bonus in accordance with the following table: 
  

									
	 	 	 Target Bonus as
Percentage
of
Salary
	 	 Minimum Bonus as
Percentage of Salary
(5% of
ROA
Threshold)
	 	 Additional Percentage of
Base Salary for each
1%
Increment of ROA in
Excess of 5% up to 15%
	 	 Additional Percentage of
Base Salary for each
1%
Increment of ROA in Excess
of 15%

	 Level IV
	 		 		 		 	
	 A
	 	10%	 	0.50%	 	0.200%	 	0.750%
	 B
	 	15%	 	0.75%	 	0.300%	 	1.125%
	 C
	 	20%	 	1.00%	 	0.400%	 	1.500%
	 D
	 	25%	 	1.25%	 	0.500%	 	1.875%

 (D) Non-Management Bonus Pool. The Company shall establish a permanent minimum bonus pool for
lower level, non-management employees (the “Non-Management Bonus Pool”), in an amount equal to $2,850,000, to be paid if and only if the Company’s Adjusted Pre-Tax Profit is equal to or greater than $36 million; provided, however,
that the aggregate amount of the Non-Management Bonus Pool shall be adjusted annually beginning in 2007 by a percentage equal to the percentage increase in the then most recently published CPI (as hereinafter defined), over the CPI published for the
immediately preceding fiscal year. If the CPI did not increase during the measurement period, no adjustment to the Non-Management Bonus Pool shall be made. For purposes of the Program, “CPI” means the Consumer Price Index for All Urban
Customers for the Houston-Galveston-Brazoria area. If the CPI becomes unavailable to the public because publication is discontinued, or otherwise, then the Company and the Committee will substitute therefor a comparable index based upon changes in
the cost of living or purchasing power of the consumer dollar, published by another governmental agency or, if no such index shall be available then a comparable index published by a major bank or other financial institution or by a recognized
financial publication. 
 (E) No Individual Caps. Subject to the Maximum Bonus Amount set forth in Section 3(A)
above, participants will not be subject to any cap on the maximum amount of an individual bonus. The grid attached hereto as Exhibit A illustrates the bonus levels payable up to 41% ROA Growth and 62% EPS Growth. Should either of these metrics
exceed those levels, individual bonuses shall be increased by extrapolating the grid in a proportionate manner. 







 4. Participants and Eligibility. 

(A) Whether or not to award a cash bonus to any particular participant is within the absolute discretion of the Company and the
Committee. No bonus award to a Level 1A, 1B, 2 or 3 participant may be paid unless and until approved by the Committee, and no bonus award may be paid to a Level 4 participant unless and until the Committee has approved the aggregate
employee bonus pool for that fiscal year. 
 (B) A participant shall not be eligible for and shall not be entitled to receive a
bonus for any fiscal year’s performance unless the participant is employed by the Company or one of its subsidiaries both on the last day of the fiscal year and on the date of approval by the Committee of the bonus (if a Level 1A, 1B, 2 or
3 participant) or the aggregate employee bonus pool for that year (if a Level 4 participant). 
 (C) The Committee, in its
sole discretion, shall determine the Level 1A, 1B, Level 2 and Level 3 participants for any given fiscal year; provided, however, the Committee and/or the Executive Committee shall determine the categories into which Level 3
participants will be placed, and provided further that the Executive Committee shall have the authority to move a Level 4 participant to the lowest category of Level 3 when that participant receives a promotion. Designation of a manager as
a participant for any fiscal year is in the absolute discretion of the Company and the Committee and does not entitle that participant to remain as a participant in any subsequent year. 

(D) Addition, removal or movement of participants into, from or between any of Levels 1A, 1B, 2 or 3 must be submitted to and
approved by the Committee; provided, however, that the Executive Committee shall have the authority to move a Level 4 participant to the lowest category of Level 3 when that participant receives a promotion. The Level 1 managers, with
the approval of the Chairman of the Board and President, shall have discretion to add or remove participants at Level 4 without further action of the Committee, provided the aggregate bonuses paid to all employees do not exceed the amount of
the employee bonus pool for that year approved by the Committee. 
 (E) The Executive Committee, in its sole discretion, shall
determine the participants in the Non-Management Bonus Pool for any given fiscal year. Designation of a non-management employee as a participant for any fiscal year is in the absolute discretion of the Company and the Executive Committee and does
not entitle that participant to remain as a participant in any subsequent year. 
 5. Definitions. As used in this
Program, the following terms shall have the meanings set forth below: 
 “Adjusted EPS” means net
income plus the after-tax impact of deferred financing costs and other non-recurring expenses approved by the Compensation Committee or the Board of Directors divided by the weighted average shares outstanding on a fully diluted basis for the period
as set forth on the audited annual financial statements of the Company and, when appropriate to the calculations, the internally generated financial statements for each month and quarter of the fiscal year, prepared in accordance with generally
accepted accounting principles. 
 “Adjusted Operating Assets” means (x) total assets, less
(y) cash and cash equivalents, deferred income taxes and goodwill and indefinite lived intangible assets, all as set forth on the audited annual financial statements of the Company and, when appropriate to the calculations, the internally
generated financial statements for each month and quarter of the fiscal year, prepared in accordance with generally accepted accounting principles. 

 







 “Adjusted Pre-Tax Profit” means EBIT plus deferred financing costs
and other non-recurring expenses approved by the Compensation Committee or the Board of Directors as set forth on the audited annual financial statements of the Company and, when appropriate to the calculations, the internally generated financial
statements for each month and quarter of the fiscal year, prepared in accordance with generally accepted accounting principles. 
 “EBIT” means income before income taxes plus interest expense as set forth on the audited annual financial statements of the Company and, when appropriate to the calculations, the internally
generated financial statements for each month and quarter of the fiscal year, prepared in accordance with generally accepted accounting principles. 
 “EPS Growth” means (x) Adjusted EPS for the fiscal year less Adjusted EPS for the prior fiscal year, divided by (y) Adjusted EPS for the prior fiscal year. If the Company conducts a
public offering of equity securities, the Committee will evaluate and determine at that time whether any adjustments should be made to the calculation of EPS Growth. 

“Maximum Bonus Amount” has the meaning set forth in Section 3(A) hereof. 

“Non-Management Bonus Pool” has the meaning set forth in Section 3(D) hereof. 

“ROA” means Adjusted Pre-Tax Profit divided by Adjusted Operating Assets. 

6. Interpretation. The Committee shall interpret the Program and shall prescribe such rules and regulations in connection with the
operation of the Program as it determines to be advisable. The Committee may rescind and amend its rules, regulations and interpretations. 
 7. Amendment or Termination. The Program may be terminated at any time or amended from time to time by the Committee without the consent or approval of the participants in the Program. 

8. Effect of Program. Neither the adoption of the Program nor any action of the Committee, including action taken at any time to
terminate or amend the Program, shall be deemed to give any officer, manager, employee, participant or other person any right to receive a bonus or any other rights, whether as a third party beneficiary or otherwise. 







 Exhibit “A” 

 

																																																																																																																																	
		 		 	 	LEVEL 1A AND 1B BONUS PARTICIPANTS	  	 	
		 		 	 	Percent of Target Bonus Paid	  	 	
		 		 	 	Table indicates what Percenatage of the TARGET BONUS will be paid.	  	 	
		 		 				 	
		 		 	 	Percent of Target Bonus To be Paid	  	 	
		 		 	 	34%	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	 	138	  	 	 	142	  	 	 	146	  	 	 	150	  	 	 	154	  	 	 	158	  	 	 	162	  	 	 	166	  	 	 	170	  	 	 	174	  	 	
		 		 	 	33%	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	 	136	  	 	 	140	  	 	 	144	  	 	 	148	  	 	 	152	  	 	 	156	  	 	 	160	  	 	 	164	  	 	 	168	  	 	 	172	  	 	
		 		 	 	32%	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	 	138	  	 	 	142	  	 	 	146	  	 	 	150	  	 	 	154	  	 	 	158	  	 	 	162	  	 	 	166	  	 	 	170	  	 	
		 		 	 	31%	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	 	136	  	 	 	140	  	 	 	144	  	 	 	148	  	 	 	152	  	 	 	156	  	 	 	160	  	 	 	164	  	 	 	168	  	 	
		 		 	 	30%	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	 	138	  	 	 	142	  	 	 	146	  	 	 	150	  	 	 	154	  	 	 	158	  	 	 	162	  	 	 	166	  	 	
		 		 	 	29%	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	 	136	  	 	 	140	  	 	 	144	  	 	 	148	  	 	 	152	  	 	 	156	  	 	 	160	  	 	 	164	  	 	
		 		 	 	28%	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	 	138	  	 	 	142	  	 	 	146	  	 	 	150	  	 	 	154	  	 	 	158	  	 	 	162	  	 	
		 		 	 	27%	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	 	136	  	 	 	140	  	 	 	144	  	 	 	148	  	 	 	152	  	 	 	156	  	 	 	160	  	 	
		 		 	 	26%	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	 	138	  	 	 	142	  	 	 	146	  	 	 	150	  	 	 	154	  	 	 	158	  	 	
		 		 	 	25%	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	 	136	  	 	 	140	  	 	 	144	  	 	 	148	  	 	 	152	  	 	 	156	  	 	
		 		 	 	24%	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	 	138	  	 	 	142	  	 	 	146	  	 	 	150	  	 	 	154	  	 	
		 		 	 	23%	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	 	136	  	 	 	140	  	 	 	144	  	 	 	148	  	 	 	152	  	 	
	E	 		 	 	22%	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	 	138	  	 	 	142	  	 	 	146	  	 	 	150	  	 	
	P	 		 	 	21%	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	 	136	  	 	 	140	  	 	 	144	  	 	 	148	  	 	
	S	 		 	 	20%	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	 	138	  	 	 	142	  	 	 	146	  	 	
		 		 	 	19%	  	 	 	28	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	 	136	  	 	 	140	  	 	 	144	  	 	
		 		 	 	18%	  	 	 	26	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	 	138	  	 	 	142	  	 	
	G	 		 	 	17%	  	 	 	24	  	 	 	28	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	 	136	  	 	 	140	  	 	
	R	 		 	 	16%	  	 	 	22	  	 	 	26	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	 	138	  	 	
	O	 		 	 	15%	  	 	 	20	  	 	 	24	  	 	 	28	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	 	136	  	 	
	W	 		 	 	14%	  	 	 	18	  	 	 	22	  	 	 	26	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	 	134	  	 	
	T	 		 	 	13%	  	 	 	16	  	 	 	20	  	 	 	24	  	 	 	28	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	 	132	  	 	
	H	 		 	 	12%	  	 	 	14	  	 	 	18	  	 	 	22	  	 	 	26	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	 	130	  	 	
		 		 	 	11%	  	 	 	12	  	 	 	16	  	 	 	20	  	 	 	24	  	 	 	28	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	 	128	  	 	
		 		 	 	10%	  	 	 	10	  	 	 	14	  	 	 	18	  	 	 	22	  	 	 	26	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	 	126	  	 	
		 		 	 	9%	  	 	 	8	  	 	 	12	  	 	 	16	  	 	 	20	  	 	 	24	  	 	 	28	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	 	124	  	 	
		 		 	 	8%	  	 	 	6	  	 	 	10	  	 	 	14	  	 	 	18	  	 	 	22	  	 	 	26	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	 	122	  	 	
		 		 	 	7%	  	 	 	4	  	 	 	8	  	 	 	12	  	 	 	16	  	 	 	20	  	 	 	24	  	 	 	28	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	 	120	  	 	
		 		 	 	6%	  	 	 	2	  	 	 	6	  	 	 	10	  	 	 	14	  	 	 	18	  	 	 	22	  	 	 	26	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	 	118	  	 	
		 		 	 	5%	  	 	 	0	  	 	 	4	  	 	 	8	  	 	 	12	  	 	 	16	  	 	 	20	  	 	 	24	  	 	 	28	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	 	116	  	 	
		 		 	 	4%	  	 	 	0	  	 	 	2	  	 	 	6	  	 	 	10	  	 	 	14	  	 	 	18	  	 	 	22	  	 	 	26	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	 	114	  	 	
		 		 	 	3%	  	 	 	0	  	 	 	0	  	 	 	4	  	 	 	8	  	 	 	12	  	 	 	16	  	 	 	20	  	 	 	24	  	 	 	28	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	 	112	  	 	
		 		 	 	2%	  	 	 	0	  	 	 	0	  	 	 	2	  	 	 	6	  	 	 	10	  	 	 	14	  	 	 	18	  	 	 	22	  	 	 	26	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	 	110	  	 	
		 		 	 	1%	  	 	 	0	  	 	 	0	  	 	 	0	  	 	 	4	  	 	 	8	  	 	 	12	  	 	 	16	  	 	 	20	  	 	 	24	  	 	 	28	  	 	 	32	  	 	 	36	  	 	 	40	  	 	 	44	  	 	 	48	  	 	 	52	  	 	 	56	  	 	 	60	  	 	 	64	  	 	 	68	  	 	 	72	  	 	 	76	  	 	 	80	  	 	 	84	  	 	 	88	  	 	 	92	  	 	 	96	  	 	 	100	  	 	 	104	  	 	 	108	  	 	
		 		 	 	0%	  	 	 	0	  	 	 	0	  	 	 	0	  	 	 	2	  	 	 	6	  	 	 	10	  	 	 	14	  	 	 	18	  	 	 	22	  	 	 	26	  	 	 	30	  	 	 	34	  	 	 	38	  	 	 	42	  	 	 	46	  	 	 	50	  	 	 	54	  	 	 	58	  	 	 	62	  	 	 	66	  	 	 	70	  	 	 	74	  	 	 	78	  	 	 	82	  	 	 	86	  	 	 	90	  	 	 	94	  	 	 	98	  	 	 	102	  	 	 	106	  	 	
		 		 				 	 	5%	  	 	 	6%	  	 	 	7%	  	 	 	8	  	 	 	9%	  	 	 	10%	  	 	 	11%	  	 	 	12%	  	 	 	13%	  	 	 	14%	  	 	 	15%	  	 	 	16%	  	 	 	17%	  	 	 	18%	  	 	 	19%	  	 	 	20%	  	 	 	21%	  	 	 	22%	  	 	 	23%	  	 	 	24%	  	 	 	25%	  	 	 	26%	  	 	 	27%	  	 	 	28%	  	 	 	29%	  	 	 	30%	  	 	 	31%	  	 	 	32%	  	 	 	33%	  	 	 	34%	  	 	
		 		 	 	Return on Assets (Percent)