LG VS920 Users manual

8IGLRMGEP (IXEMPW

*'' 6* )\TSWYVI -RJSVQEXMSR

%62-2+ 6IEH XLMW MRJSVQEXMSR FIJSVI STIVEXMRK XLI TLSRI

-R %YKYWX XLI *IHIVEP 'SQQYRMGEXMSRW 'SQQMWWMSR *'' SJ XLI 9RMXIH 7XEXIW [MXL MXW EGXMSR MR 6ITSVX ERH 3VHIV *'' EHSTXIH ER YTHEXIH WEJIX] WXERHEVH JSV LYQER I\TSWYVI XS 6EHMS *VIUYIRG] 6* IPIGXVSQEKRIXMG IRIVK] IQMXXIH F] *'' VIKYPEXIH XVERWQMXXIVW 8LSWI KYMHIPMRIW EVI GSRWMWXIRX [MXL XLI WEJIX] WXERHEVH TVIZMSYWP] WIX F] FSXL 9 7 ERH MRXIVREXMSREP WXERHEVHW FSHMIW 8LI HIWMKR SJ XLMW TLSRI GSQTPMIW [MXL XLI *'' KYMHIPMRIW ERH XLSWI MRXIVREXMSREP WXERHEVHW

&SHMP] 'SRXEGX (YVMRK 3TIVEXMSR

8LMW HIZMGI [EW XIWXIH JSV X]TMGEP YWI [MXL XLI FEGO SJ XLI TLSRI OITXMRGLIW GQ JVSQ XLI FSH] 8S GSQTP] [MXL *'' 6* I\TSWYVI VIUYMVIQIRXW E QMRMQYQ WITEVEXMSR HMWXERGI SJ MRGLIW GQ QYWX FI QEMRXEMRIH FIX[IIR XLI YWIVvW FSH] ERH XLI FEGO SJ XLI TLSRI MRGPYHMRK XLI ERXIRRE 8LMVH TEVX] FIPX GPMTW LSPWXIVW ERH WMQMPEV EGGIWWSVMIW GSRXEMRMRK QIXEPPMG GSQTSRIRXW WLSYPH RSX FI YWIH %ZSMH XLI YWI SJ EGGIWWSVMIW XLEX GERRSX QEMRXEMR MRGLIW GQ HMWXERGI FIX[IIR XLI YWIVvW FSH] ERH XLI FEGO SJ XLI TLSRI ERH LEZI RSX FIIR XIWXIH JSV GSQTPMERGI [MXL *'' 6* I\TSWYVI PMQMXW

,%':ILMGPIWXEXIQIRX1SYRXIH )\XIVREP %RXIRRE

This3TXMSREPphoneMJhasEZEMPEFPIbeen tested and rated for use with hearing aids

for some of the wireless technologies that it uses.

8S WEXMWJ] *'' 6* I\TSWYVI VIUYMVIQIRXW OIIT MRGLIW GQ FIX[IIR

However, there may be some newer wireless technologies used in this phone

XLI YWIV F]WXERHIV ERH ZILMGPI QSYRXIH I\XIVREP ERXIRRE *SV QSVI that have not been tested yet for use with hearing aids.

MRJSVQEXMSR EFSYX 6* I\TSWYVI ZMWMX XLI *'' [IFWMXI EX [[[ JGG KSZ

It is important to try the different features of this phone thoroughly and in different locations, using your hearing aid or cochlear implant, to determine if you hear any interfering noise.

Consult your service provider or the manufacturer of this phone for information on hearing aid compatibility.

If you have questions about return or exchange policies, consult your service provider or phone retailer.

8IGLRMGEP (IXEMPW

*'' 2SXMGI ERH 'EYXMSRW

8LMW HIZMGI ERH MXW EGGIWWSVMIW GSQTP] [MXL TEVX SJ *'' VYPIW 3TIVEXMSR MW WYFNIGX XS XLI JSPPS[MRK X[S GSRHMXMSRW 8LMW HIZMGI ERH MXW EGGIWWSVMIW QE] RSX GEYWI LEVQJYP MRXIVJIVIRGI ERH XLMW HIZMGI ERH MXW EGGIWWSVMIW QYWX EGGITX ER] MRXIVJIVIRGI VIGIMZIH MRGPYHMRK MRXIVJIVIRGI XLEX GEYWIW YRHIWMVIH STIVEXMSR

%R] GLERKIW SV QSHMwGEXMSRW RSX I\TVIWWP] ETTVSZIH MR XLMW YWIV KYMHI GSYPH ZSMH ]SYV [EVVERX] JSV XLMW IUYMTQIRX 9WI SRP] XLI WYTTPMIH ERXIRRE 9WI SJ YREYXLSVM^IH ERXIRREW SV QSHMwGEXMSRW XS XLI ERXIRRE GSYPH MQTEMV GEPP UYEPMX] HEQEKI XLI TLSRI ZSMH ]SYV [EVVERX] ERH SV ZMSPEXI *'' VIKYPEXMSRW

(SRtX YWI XLI TLSRI [MXL E HEQEKIH ERXIRRE % HEQEKIH ERXIRRE GSYPH GEYWI E QMRSV WOMR FYVR 'SRXEGX ]SYV PSGEP HIEPIV JSV E VITPEGIQIRX ERXIRRE

4EVX WXEXIQIRX

'LERKIW SV QSHMwGEXMSRW XLEX EVI RSX I\TVIWWP] ETTVSZIH F] XLI QERYJEGXYVIV GSYPH

ZSMH XLI YWIVtW EYXLSVMX] XS STIVEXI XLI IUYMTQIRX

8IGLRMGEP (IXEMPW

4EVX WXEXIQIRX

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

6ISVMIRX SV VIPSGEXI XLI VIGIMZMRK ERXIRRE-RGVIEWI XLI WITEVEXMSR FIX[IIR XLI IUYMTQIRX ERH VIGIMZIV'SRRIGX XLI IUYMTQIRX MRXS ER SYXPIX SR E GMVGYMX HMJJIVIRX JVSQ XLEX XS [LMGL XLI VIGIMZIV MW GSRRIGXIH

'SRWYPX XLI HIEPIV SV ER I\TIVMIRGIH VEHMS 8: XIGLRMGMER JSV LIPT 8LI :7 STIVEXIW SR :IVM^SRtW + RIX[SVO FEWIH SR 0SRK 8IVQ )ZSPYXMSR 08) XIGLRSPSK] ERH 1SFMPI &VSEHFERH + RIX[SVOW MR XLI 9RMXIH 7XEXIW

2S[ ]SY GER GSRRIGX IEWMP] EX LMKL WTIIHW XS XLI -RXIVRIX ]SYV GSVTSVEXI -RXVERIX

ERH ]SYV IQEMP [LMPI ]SYtVI E[E] JVSQ XLI SJwGI

7IVZMGI RSX EZEMPEFPI IZIV][LIVI :MWMX [IFWMXI ZIVM^SR[MVIPIWW GSQ + JSV E GSQTPIXI PMWX SJ EZEMPEFPI EVIEW

-RJSVQEXMSR WYFNIGX XS GLERKI

8LI &EWMGW

4LSRI 3ZIVZMI[

*VSRX :MI[

)EVTMIGI		4S[IV
		0SGO /I]

4VS\MQMX] 7IRWSVW

*VSRX 'EQIVE 0IRW

8SYGLWGVIIR

5YMGO /I]W

4LSRI /I]

'SRXEGXW /I]

1IWWEKMRK /I]

%TTW /I]

1IRY /I]

&EGO /I]

,SQI /I]

1MGVSTLSRI

238)7 %PP WGVIIR WLSXW MR XLMW KYMHI EVI WMQYPEXIH %GXYEP HMWTPE]W QE] ZEV]

-RWXVYGXMSRW XS TIVJSVQ XEWOW MR XLMW KYMHI EVI FEWIH SR XLI HIJEYPX TLSRI WIXXMRKW ERH QE] GLERKI HITIRHMRK SR XLI WSJX[EVI ZIVWMSR SR ]SYV TLSRI

)EVTMIGI 0IXW ]SY LIEV GEPPIVW ERH EYXSQEXIH TVSQTXW

5YMGO /I]W

4LSRI /I] 3TIRW XLI 4LSRI ETTPMGEXMSR JSV EGGIWW XS XLI HMEPTEH 'EPP PSK 'SRXEGXW ERH +VSYTW

'SRXEGXW /I] 3TIRW XLI 'SRXEGXW ETTPMGEXMSR

1IWWEKMRK /I] 3TIRW XLI 1IWWEKMRK ETTPMGEXMSR

%TTW /I] 3TIRW XLI %TTW WGVIIR [LIVI ]SY GER ZMI[ EPP ]SYV MRWXEPPIH ETTPMGEXMSRW

1IRY /I] 3TIRW ER STXMSRW QIRY [MXL STXMSRW XLEX EJJIGX XLI GYVVIRX WGVIIR SV ETTPMGEXMSR

,SQI /I] 6IXYVRW XS XLI ,SQI WGVIIR -J ]SYtVI EPVIEH] ZMI[MRK SRI SJ XLI ,SQI WGVIIR I\XIRWMSR TERIW MX REZMKEXIW ]SY XS XLI GIRXVEP ,SQI WGVIIR TERI 8SYGL ERH LSPH XS ZMI[ XLI QSWX VIGIRXP] YWIH ETTPMGEXMSRW

8LI &EWMGW

1MGVSTLSRI 8VERWQMXW ]SYV ZSMGI XS XLI SXLIV GEPPIV ERH JSV :SMGI EGXMZEXIH JYRGXMSRW

&EGO /I] 6IXYVRW XS XLI TVIZMSYW WGVIIR %PWS GPSWIW TST YT HMWTPE] MXIQW WYGL EW QIRYW ERH HMEPSK FS\IW

8SYGLWGVIIR (MWTPE]W EPP XLI MRJSVQEXMSR RIIHIH XS STIVEXI ]SYV TLSRI WYGL EW ETTPMGEXMSRW GEPP WXEXYW HEXI XMQI WMKREP WXEXYW ERH FEXXIV] WXVIRKXL

*VSRX 'EQIVE 0IRW 9WI XS XEOI TMGXYVIW ERH ZMHIS /IIT GPIER JSV STXMQEP TIVJSVQERGI

4VS\MQMX] 7IRWSVW 7IRWIW TVS\MQMX] XS[EVHW SXLIV SFNIGXW WYGL EW ]SYV LIEH WS XLEX XSYGL GSQQERHW EVI RSX EGGMHIRXEPP] EGXMZEXIH HYVMRK E GEPP

238)7 (S RSX FPSGO XLI WIRWSV SV RIEV WIRWSV XS EZSMH TVSFPIQW [MXL XLI XSYGL STIVEXMSRW

8LI YWI SJ E wPQ GSZIV TVSHYGIH F] QERYJEGXYVIVW SXLIV XLER 0+ GER GEYWI E

HMWXYVFERGI MR XSYGL STIVEXMSR XLI HMWTPE] IXG

4S[IV 0SGO /I] 0SGOW XLI WGVIIR [MXL E WMRKPI TVIWW 4VIWW ERH LSPH XS STIR XLI TLSRI STXMSRW QIRY JSV XLI JSPPS[MRK STXMSRW 7MPIRX QSHI %MVTPERI QSHI ERH 4S[IV SJJ

6IEV :MI[

'EQIVE 0IRW

&EGO 'SZIV

8LI &EWMGW

'EQIVE 0IRW 9WI JSV XEOMRK TMGXYVIW ERH VIGSVHMRK ZMHISW /IIT GPIER JSV STXMQEP TIVJSVQERGI

&EGO 'SZIV )RGPSWIW XLI FEXXIV] GSQTEVXQIRX

7MHI :MI[

%GGIWWSV] 'LEVKIV 4SVX

QQ ,IEHWIX .EGO

:SPYQI /I]W

%GGIWWSV] 'LEVKIV 4SVX %PPS[W ]SY XS GSRRIGX XLI TLSRI GLEVKIV 97& GEFPI SV SXLIV GSQTEXMFPI EGGIWWSVMIW

QQ ,IEHWIX .EGO %PPS[W ]SY XS TPYK MR ER STXMSREP LIEHWIX JSV GSRZIRMIRX LERHW JVII GSRZIVWEXMSRW =SY GER EPWS TPYK MR LIEHTLSRIW XS PMWXIR XS QYWMG

:SPYQI /I]W %PPS[ ]SY XS EHNYWX XLI VMRKIV QIHME ZSPYQIW SV XLI MR GEPP ZSPYQI HYVMRK E GEPP

MRXS TPEGI

GSQTEVXQIRX XLIR

TVIWW XLI FEXXIV]

8LI &EWMGW

-RWXEPPMRK XLI &EXXIV] ERH QMGVS7( 'EVH

238) -X MW MQTSVXERX XS JYPP] GLEVKI XLI FEXXIV] FIJSVI MRMXMEP YWI SJ XLI TLSRI

-RWXEPPMRK XLI FEXXIV]

8LI TLSRI GSQIW [MXL E VIGLEVKIEFPI FEXXIV] /IIT XLI FEXXIV] GLEVKIH [LMPI RSX MR YWI MR SVHIV XS QE\MQM^I XEPO YWI ERH WXERHF] XMQI 8LI FEXXIV] GLEVKI PIZIP MW WLS[R EX XLI XST VMKLX GSVRIV SJ XLI WGVIIR

,SPH XLI TLSRI [MXL %PMKR XLI FEXXIV] FSXL LERHW [MXL XLI GSRXEGXW [MXL QMGVSTLSRI JEGMRK XLI XIVQMREPW YT[EVH 8LIR YWI EX XLI FSXXSQ XLI wRKIVXMT GYXSYX SJ XLI FEXXIV] XS TYPP STIR XLI FEGO

GSZIV EW WLS[R EFSZI

6IQSZMRK XLI FEXXIV]

6ITPEGI XLI FEXXIV] GSZIV SZIV XLI FEGO SJ XLI TLSRI EW HIQSRWXVEXIH %TTP] E WXIEH] HS[R[EVH TVIWWYVI YRXMP XLI FEGO GSZIV GPMGOW MRXS TPEGI

8YVR XLI TS[IV SJJ 6IQSZI XLI FEXXIV] GSZIV EW HIQSRWXVEXIH MR XLI TVIZMSYW MRWXVYGXMSRW 8LIR xMT XLI TLSRI XS MXW RSVQEP TSWMXMSR ERH YWI XLI wRKIVXMT GYXSYX EX XLI XST PIJX GSVRIV SJ XLI FEXXIV] GSQTEVXQIRX XS PMJX XLI FEXXIV] SYX

-RWIVXMRK E QMGVS7( GEVH

8YVR XLI TS[IV SJJ 6IQSZI XLI FEXXIV] GSZIV ERH XLI FEXXIV] EW HIQSRWXVEXIH MR XLI TVIZMSYW MRWXVYGXMSRW 0SGEXI XLI QMGVS7( GEVH WPSX QMGVS7( MW MRWGVMFIH RIEV XLI WPSX STIRMRK 4SWMXMSR XLI QMGVS7( GEVH [MXL XLI PEFIP WMHI JEGMRK YT ERH WPMHI MX MRXS TPEGI YRXMP MX MW JYPP] MRWIVXIH ERH PSGOIH MR TPEGI

8LI &EWMGW

238) 8LI QMGVS7( GEVH GER FI IEWMP] HEQEKIH F] MQTVSTIV STIVEXMSR 4PIEWI FI GEVIJYP [LIR

MRWIVXMRK VIQSZMRK SV LERHPMRK MX

8S VIQSZI XLI QMGVS7( GEVH

8YVR XLI TS[IV SJJ 6IQSZI XLI FEXXIV] GSZIV ERH XEOI XLI FEXXIV] SYX 0SGEXI XLI QMGVS7( GEVH WPSX +IRXP] TYWL XLI I\TSWIH IHKI SJ XLI QMGVS7( GEVH XS VIPIEWI MX 8LIR KIRXP] TYPP MX SYX XS VIQSZI MX

8S YRQSYRX XLI QMGVS7( GEVH

-X MW MQTSVXERX XS YRQSYRX XLI GEVH XS EZSMH HEQEKI XS XLI GEVH SV HEXE WEZIH SR XLI GEVH

8SYGL XLI %TTW /I]

8SYGL 7IXXMRKW " 7( GEVH TLSRI WXSVEKI8SYGL 9RQSYRX )\XIVREP 7( GEVH

-RWXEPPMRK XLI + 7-1 GEVH

8YVR XLI TS[IV SJJ 6IQSZI XLI FEXXIV] GSZIV ERH XLI FEXXIV] EW HIQSRWXVEXIH MR XLI TVIZMSYW MRWXVYGXMSRW 0SGEXI XLI + 7-1 GEVH WPSXE 7-1 GEVH KVETLMG MW MRWGVMFIH RIEV XLI WPSX STIRMRK 4SWMXMSR XLI + 7-1 GEVH [MXL XLI PEFIP WMHI JEGMRK YT ERH WPMHI MX MRXS TPEGI YRXMP MX MW JYPP] MRWIVXIH ERH PSGOIH MR TPEGI

6IQSZMRK XLI + 7-1 GEVH

8YVR XLI TS[IV SJJ 6IQSZI XLI FEXXIV] GSZIV ERH XEOI XLI FEXXIV] SYX 0SGEXI XLI + 7-1 GEVH WPSX +IRXP] WPMHI XLI + 7-1 GEVH SYX XS VIQSZI MX

8LI &EWMGW

'LEVKMRK XLI 4LSRI

=SYV :7 GSQIW [MXL E [EPP 97& GLEVKIV ERH E 97& GEFPI [LMGL GSRRIGX XSKIXLIV XS GLEVKI ]SYV TLSRI 8S GLEVKI ]SYV TLSRI

238-')

4PIEWI YWI SRP] ER ETTVSZIH GLEVKMRK EGGIWWSV] XS GLEVKI ]SYV 0+ TLSRI

-QTVSTIV LERHPMRK SJ XLI EGGIWWSV] GLEVKIV TSVX EW [IPP EW XLI YWI SJ ER MRGSQTEXMFPI

GLEVKIV QE] GEYWI HEQEKI XS ]SYV TLSRI ERH ZSMH XLI [EVVERX]

'SRRIGX XLI 97& GEFPI MRXS XLI [EPP 97& GLEVKIV LIR GSRRIGXMRK EW WLS[R FIPS[ XLI 0+ PSKS SR XLI 97& GEFPI WLSYPH JEGI XS[EVH ]SY

4PYK XLI 97& GEFPI EW WLS[R FIPS[ MRXS XLI TLSRItW EGGIWWSV] GLEVKIV TSVX

238)

1EOI WYVI XLI & WMHI MW JEGMRK XS[EVH ]SY [LIR MRWIVXMRK XLI 97& GEFPI MRXS XLI TLSRI

'LEVKMRK [MXL 97&

=SY GER YWI ]SYV GSQTYXIV XS GLEVKI ]SYV TLSRI 8S FI EFPI XS GLEVKI [MXL XLI 97& GEFPI ]SY RIIH XS LEZI XLI RIGIWWEV] 97& HVMZIVW MRWXEPPIH SR ]SYV 4' wVWX 'SRRIGX SRI IRH SJ XLI 97& GEFPI XS XLI GLEVKIV TSVX SR ]SYV TLSRI ERH GSRRIGX XLI SXLIV IRH XS E 97& TSVX SR ]SYV 4' -X MW FIWX XS YWI XLI VIEV 97& TSVX [LIR GSRRIGXMRK XS E HIWOXST 4' 8LI 97& LYF WLSYPH FI TS[IVIH F] ER I\XIVREP TS[IV WSYVGI

8LI &EWMGW

3TXMQM^MRK &EXXIV] 0MJI

=SY GER I\XIRH ]SYV FEXXIV]tW PMJI FIX[IIR GLEVKIW F] XYVRMRK SJJ JIEXYVIW XLEX VYR MR XLI FEGOKVSYRH =SY GER EPWS QSRMXSV LS[ ETTPMGEXMSRW ERH W]WXIQ VIWSYVGIW GSRWYQI FEXXIV] TS[IV

8MTW XS I\XIRH XLI PMJI SJ ]SYV FEXXIV]

#8YVR SJJ VEHMS GSQQYRMGEXMSRW XLEX ]SY EVIRtX YWMRK -J ]SY EVIRtX YWMRK M *M &PYIXSSXL SV +47 YWI XLI 7IXXMRKW QIRY XS XYVR XLIQ SJJ 2SXI XLEX XLI +47 VIGIMZIV MW SRP] XYVRIH SR [LIR ]SYtVI YWMRK ER ETTPMGEXMSR XLEX QEOIW YWI SJ MX

#8YVR HS[R WGVIIR FVMKLXRIWW ERH WIX E WLSVXIV WGVIIR XMQISYX

#8YVR SJJ EYXSQEXMG W]RGMRK JSV +QEMP 'EPIRHEV 'SRXEGXW ERH SXLIV

ETTPMGEXMSRW MJ ]SY HSRtX RIIH MX

#9WI XLI 4S[IV 'SRXVSP [MHKIX XS GSRXVSP XLI [MVIPIWW GSRRIGXMSRW +47 GSRRIGXMSR &PYIXSSXL TS[IV HMWTPE] FVMKLXRIWW ERH W]RGMRK EGXMZMX]

8S GLIGO XLI FEXXIV] GLEVKI PIZIP

#8SYGL XLI %TTW /I] " 7IXXMRKW " %FSYX TLSRI " 7XEXYW 8LI FEXXIV] WXEXYW 'LEVKMRK SV (MWGLEVKMRK ERH PIZIP EW E TIVGIRXEKI SJ JYPP] GLEVKIH [MPP FI HMWTPE]IH EX XLI XST SJ XLI WGVIIR

8S QSRMXSV ERH GSRXVSP [LEX YWIW XLI FEXXIV]

8LI &EXXIV] YWI WGVIIR EPPS[W ]SY XS WII [LMGL ETTPMGEXMSRW EVI GSRWYQMRK XLI QSWX FEXXIV] TS[IV -RJSVQEXMSR SR XLMW WGVIIR EPPS[W ]SY XS MHIRXMJ] HS[RPSEHIH ETTPMGEXMSRW ]SY QE] [ERX XS XYVR SJJ [LIR RSX FIMRK YWIH WS ]SY GER KIX XLI QSWX SYX SJ ]SYV FEXXIV] TS[IV

#8SYGL XLI %TTW /I] " 7IXXMRKW " %FSYX TLSRI " &EXXIV] YWI 8LI WGVIIR [MPP HMWTPE] FEXXIV] YWEKI XMQI )MXLIV LS[ PSRK WMRGI PEWX GSRRIGXIH XS E TS[IV WSYVGI MJ GSRRIGXIH XS E TS[IV WSYVGI ERH LS[ PSRK ]SY [IVI PEWX VYRRMRK SR FEXXIV] TS[IV 8LI PMWX SJ ETTPMGEXMSRW SV WIVZMGIW YWMRK FEXXIV] TS[IV EVI HMWTPE]IH MR SVHIV SJ IRIVK] YWIH JVSQ KVIEXIWX EQSYRX XS PIEWX

8LI &EWMGW

#8SYGL ER ETTPMGEXMSR MR XLI &EXXIV] YWI WGVIIR XS WII XLI HIXEMPW EFSYX MXW TS[IV GSRWYQTXMSR (MJJIVIRX ETTPMGEXMSRW SJJIV HMJJIVIRX OMRHW SJ MRJSVQEXMSR ERH XLI] QE] IZIR MRGPYHI STXMSRW XS QSHMJ] XLI WIXXMRKW WS ]SY GER VIHYGI TS[IV GSRWYQTXMSR F] XLEX ETTPMGEXMSR

7IXYT ;M^EVH

8LI wVWX XMQI ]SY XYVR SR ]SYV TLSRI XLI 7IXYT M^EVH KYMHIW ]SY XLVSYKL WMKRMRK MR XS ]SYV +SSKPI %GGSYRX -J ]SY HSRtX LEZI SRI HSRtX [SVV] XLI 7IXYT M^EVH [MPP LIPT ]SY GVIEXI SRI

=SY GER EPWS WIX YT WSGMEP RIX[SVOMRK EGGSYRXW WYGL EW *EGIFSSO JSV 0+ SV 8[MXXIV JSV 0+

238) 8LMW TLSRI WYTTSVXW WIZIVEP ETTPMGEXMSRW ERH WIVZMGIW -X MW VIGSQQIRHIH XLEX ]SY

TYVGLEWI E HEXE TPER XLEX QIIXW ]SYV RIIHW 'SRXEGX ]SYV WIVZMGI TVSZMHIV JSV HIXEMPW

4VIWW ERH LSPH XLI 4S[IV 0SGO /I] SR XLI XST IHKI SJ ]SYV TLSRI XS XYVR MX SR

7IPIGX E PERKYEKI ERH XSYGL 2I\X

*SPPS[ XLI 7IXYT M^EVH XS GSRwKYVI ]SYV TLSRI WIX YT MRGPYHMRK GVIEXMRK SV PSKKMRK MR XS ]SYV +QEMP %GGSYRX

238) -J ]SY LEZI ER I\MWXMRK +SSKPI %GGSYRX ]SYV GSRXEGXW JVSQ XLEX EGGSYRX EVI W]RGIH XS

]SYV TLSRI

8LI &EWMGW

8YVRMRK XLI 4LSRI 3R ERH 3JJ

8YVRMRK XLI TLSRI SR

#4VIWW ERH LSPH XLI 4S[IV 0SGO /I] JSV E GSYTPI SJ WIGSRHW YRXMP XLI WGVIIR XYVRW SR

8YVRMRK XLI TLSRI SJJ

4VIWW ERH LSPH XLI 4S[IV 0SGO /I] YRXMP XLI TST YT QIRY ETTIEVW8SYGL 4S[IV SJJ MR XLI TST YT QIRY

8SYGL 3/ XS GSRwVQ XLEX ]SY [ERX XS XYVR SJJ XLI TLSRI

8S YRPSGO XLI TLSRI

-J ]SY HSRtX YWI XLI TLSRI JSV E [LMPI XLI WGVIIR ERH FEGOPMKLX [MPP WLYX SJJ XS GSRWIVZI FEXXIV] TS[IV 8S YRPSGO XLI TLSRI

4VIWW XLI 4S[IV 0SGO /I] =SYV 0SGO 7GVIIR [MPP ETTIEV

7PMHI XLI WGVIIR YT XS YRPSGO 8LI PEWX WGVIIR ]SY [IVI [SVOMRK SR STIRW

238) 8LMW MW XLI HIJEYPX 0SGO 7GVIIR -J ]SY ZI WIX YT ER 9RPSGO

4EXXIVR YWI ]SYV wRKIVXMT XS HVE[ XLI TEXXIVR

8S XYVR XLI TLSRI WSYRHW SJJ

-J ]SYtVI MR E TPEGI [LIVI ]SYV TLSRI WSYRHW QE] HMWXYVF SXLIVW ]SY GER UYMGOP] WMPIRGI ]SYV TLSRI JVSQ XLI ,SQI WGVIIR

4VIWW XLI 4S[IV 0SGO /I] XLIR YRPSGO XLI WGVIIR4VIWW ERH LSPH XLI 4S[IV 0SGO /I] XLIR XSYGL 7MPIRX QSHI

36

4VIWW XLI HS[R :SPYQI /I] SR XLI WMHI SJ XLI TLSRI YRXMP EPP WSYRHW EVI XYVRIH SJJ SV ZMFVEXMSR MW WIX

238) 8LI :MFVEXMSR WIXXMRK MR XLI 7SYRH QIRY EJJIGXW XLMW QSHI -J XLI :MFVEXMSR WIXXMRK MW

WIX XS 3RP] [LIR RSX MR 7MPIRX QSHI SV 2IZIV XLIR XLI HS[R :SPYQI /I] XYVRW EPP

WSYRHW SJJ -J XLI :MFVEXMSR WIXXMRK MW WIX XS 3RP] MR 7MPIRX QSHI SV %P[E]W XLI HS[R

:SPYQI /I] [MPP WIX XLI TLSRI XS ZMFVEXI

8LI &EWMGW

7IXXMRK 9T =SYV (IZMGI

LIR ]SY XYVR SR ]SYV [MVIPIWW HIZMGI JSV XLI wVWX XMQI ]SY LEZI XLI STXMSR XS UYMGOP] WIX YT ZEVMSYW EGGSYRXW 7MQTP] JSPPS[ XLI SR WGVIIR MRWXVYGXMSRW XS GSQTPIXI XLI MRMXMEP WIXYT SJ ]SYV [MVIPIWW HIZMGI

8S WIX YT ]SYV HIZMGI JSPPS[ XLI WXITW FIPS[

7IPIGX ]SYV PERKYEKI ERH XSYGL 2I\X

7IPIGX [LIXLIV XS 7OMT SV 7XEVX XLI &EGOYT %WWMWXERX ETTPMGEXMSR

7IPIGX [LIXLIV XS 7OMT SV 7XEVX XLI +SSKPI %GGSYRX WIXYT MXL E +SSKPI %GGSYRX +SSKPI ETTPMGEXMSRW EVI EYXSQEXMGEPP] W]RGIH FIX[IIR ]SYV TLSRI ERH GSQTYXIV VIKEVHPIWW SJ [LIVI ]SY QEOI ER YTHEXI

7IPIGX XLI SXLIV EGGSYRXW ]SY [ERX XS WIX YT )QEMP *EGIFSSO JSV 0+

8[MXXIV JSV 0+ IXG

7IPIGX XLI 0SGEXMSR 'SRWIRX :IVM^SR 0SGEXMSR 7IVZMGIW 7XERHEPSRI +47 7IVZMGIW +SSKPI 0SGEXMSR 7IVZMGIW

238) % WYGGIWWJYP WIX YT QIWWEKI MW HMWTPE]IH =SY GER GLSSWI XS ZMI[ STXMSRW XLEX XIEGL

]SY EFSYX ]SYV RI[ TLSRI MRGPYHMRK EXGL 0IEVR 1] :IVM^SR 1SFMPI +YMHIH

8SYVW 8LIWI STXMSRW GER FI ZMI[IH PEXIV F] EGGIWWMRK XLI 8SSPW WIGXMSR SJ XLI %TTW

WGVIIR

8SYGL (SRI XS WXEVX YWMRK XLI TLSRI

*SV QSVI MRJSVQEXMSR SR LS[ XS WIX YT ]SYV IQEMP ZMWMX WQEVXTLSRIW ZIVM^SR[MVIPIWW GSQ 'PMGO SR XLI 7QEVXTLSRI 7YTTSVX XEF ERH WIPIGX ]SYV TLSRI

8LI &EWMGW

7IXXMRK YT ]SYV +SSKPI %GGSYRX

%X XLI WIXYT WGVIIR XSYGL 'VIEXI SV 7MKR MR

)RXIV ]SYV YWIVREQI ERH TEWW[SVH

238) 8SYGL XLI &EGO /I]

XS GPSWI XLI OI]FSEVH

8SYGL 7MKR MR

2S[ ]SYV +QEMP +SSKPI 'SRXEGXW ERH +SSKPI 'EPIRHEV IZIRXW [MPP EPP FI PSEHIH XS ]SYV TLSRI EYXSQEXMGEPP]

=SY GER YWI XLI EVIE FIPS[ XS VIGSVH ]SYV +SSKPI %GGSYRX MRJSVQEXMSR JSV JYXYVI VIJIVIRGI

9WIVREQI CCCCCCCCCCCCCCCCCCCCCCCCCCC$KQEMP GSQ

4EWW[SVH CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

=SYV +SSKPI %GGSYRX

=SY QYWX WMKR MRXS E +SSKPI %GGSYRX XS YWI +QEMP +SSKPI 8EPO +SSKPI 'EPIRHEV ERH SXLIV +SSKPI %TTW XS HS[RPSEH ETTPMGEXMSRW JVSQ %RHVSMH 1EVOIX XS FEGO YT ]SYV WIXXMRKW XS +SSKPI WIVZIVW ERH XS XEOI EHZERXEKI SJ SXLIV +SSKPI WIVZMGIW SR ]SYV TLSRI

-14368%28

-J ]SY [ERX XS VIWXSVI ]SYV WIXXMRKW XS XLMW TLSRI JVSQ ERSXLIV TLSRI XLEX [EW VYRRMRK %RHVSMH VIPIEWI SV PEXIV ]SY QYWX WMKR MRXS ]SYV +SSKPI %GGSYRX RS[ HYVMRK WIXYT -J ]SY [EMX YRXMP EJXIV WIXYT MW GSQTPIXI ]SYV WIXXMRKW EVI RSX VIWXSVIH

-J ]SY HSRtX LEZI E +SSKPI %GGSYRX ]SYtVI TVSQTXIH XS GVIEXI SRI

-J ]SY LEZI ER IRXIVTVMWI EGGSYRX XLVSYKL ]SYV GSQTER] SV SXLIV SVKERM^EXMSR ]SYV -8 HITEVXQIRX QE] LEZI WTIGMEP MRWXVYGXMSRW SR LS[ XS WMKR MRXS XLEX EGGSYRX

LIR ]SY WMKR MR ]SYV GSRXEGXW +QEMP QIWWEKIW 'EPIRHEV IZIRXW ERH SXLIV MRJSVQEXMSR JVSQ XLIWI ETTPMGEXMSRW ERH WIVZMGIW SR XLI [IF EVI W]RGLVSRM^IH [MXL ]SYV TLSRI

-J ]SY HSRtX WMKR MRXS E +SSKPI %GGSYRX HYVMRK WIXYT ]SY EVI TVSQTXIH XS WMKR MR SV XS GVIEXI E +SSKPI %GGSYRX XLI wVWX XMQI ]SY WXEVX ER ETTPMGEXMSR XLEX VIUYMVIW SRI WYGL EW +QEMP SV %RHVSMH 1EVOIX

LIR ]SY WMKR MR ]SYtVI TVSQTXIH XS IRXIV ]SYV YWIVREQI ERH TEWW[SVH YWMRK XLI SR WGVIIR OI]FSEVH

8LI &EWMGW

4LSRItW 7XEXYW -GSRW

8LI 7XEXYW &EV ETTIEVW EX XLI XST SJ IZIV] WGVIIR -X HMWTPE]W MGSRW

MRHMGEXMRK XLEX ]SYtZI VIGIMZIH RSXMwGEXMSRW SR XLI PIJX ERH MGSRW MRHMGEXMRK

XLI TLSRItW WXEXYW SR XLI VMKLX EPSRK [MXL XLI GYVVIRX XMQI

2SXMwGEXMSR MGSRW 7XEXYW MGSRW

-J ]SY LEZI QSVI RSXMwGEXMSRW XLER GER wX MR XLI 7XEXYW &EV E TPYW MGSR TVSQTXW ]SY XS STIR XLI 2SXMwGEXMSRW TERIP XS ZMI[ XLIQ EPP

8LI JSPPS[MRK MGSRW MRHMGEXI XLI WXEXYW SJ ]SYV TLSRI

'EPP MGSRW

	1MGVSTLSRI QYXIH HYVMRK E		1MWWIH GEPP RSXMwGEXMSR
	GEPP
	-R GEPP		-R GEPP YWMRK &PYIXSSXL HIZMGI
	7TIEOIV SR		4VMZEG] GEPP

'EPIRHEV %PEVQ MGSRW

	'EPIRHEV IZIRX RSXMwGEXMSR		%PEVQ WIX

			8LI &EWMGW
)QEMP ERH 1IWWEKMRK MGSRW
	:IVM^SR IQEMP VIGIMZIH		:IVM^SR IQEMP WIRHMRK JEMPIH
	2I[ QIWWEKI VIGIMZIH		7IRHMRK QIWWEKI JEMPIH
	,MKL TVMSVMX] QIWWEKI		2I[ +QEMP QIWWEKI VIGIMZIH
	VIGIMZIH
	+SSKPI 8EPO QIWWEKI VIGIMZIH		2I[ ZSMGI QEMP VIGIMZIH
7SYRH MGSRW
	1YWMG GYVVIRXP] TPE]MRK		7MPIRX QSHI
	:MFVEXI QSHI		MVIH LIEHWIX GSRRIGXIH
2IX[SVO MGSRW
	+ RIX[SVO GSRRIGXIH		(S[RPSEH XLVSYKL +
			RIX[SVO
	9WMRK + RIX[SVO		9TPSEH XLVSYKL + RIX[SVO
	'SRRIGXIH XS E + RIX[SVO		+ RIX[SVO MW MR YWI
	(S[RPSEHMRK HEXE		9TPSEHMRK HEXE
	+47 SR		2S WIVZMGI
	%GUYMVMRK +47 EGGIWW		7XVSRK RIX[SVO WMKREP
	%MVTPERI QSHI MW SR		IEO RIX[SVO WMKREP
	6SEQMRK		0SGEXMSR WIVZMGI SR
	0SGEXMSR WIVZMGI SJJ

8LI &EWMGW

'SRRIGXMZMX] MGSRW

8LI JSPPS[MRK MGSRW MRHMGEXI XLI WXEXYW SJ ]SYV TLSRI

	M *M GSRRIGXMSR HIXIGXIH		%RHVSMH HIFYKKIV GSRRIGXIH
	&PYIXSSXL SR		&PYIXSSXL HIZMGI GSRRIGXIH
	97& GSRRIGXIH		97& XIXLIVMRK SR
	2S M *M WMKREP		7XVSRK M *M WMKREP
	,(1- GEFPI GSRRIGXIH		,(1- GEFPI HMWGSRRIGXIH
	7QEVX7LEVI SR		7QEVX7LEVI WLEVMRK VIUYIWX

7]WXIQ MGSRW

8LI JSPPS[MRK MGSRW MRHMGEXI XLI WXEXYW SJ ]SYV TLSRI

	1SVI RSXMwGEXMSRW		7]WXIQ WIGYVI
	-RXIVREP QIQSV] JYPP		7]WXIQ EPIVX
	7( GEVH MRWIVXIH		2S 7( GEVH MRWIVXIH
	+SSKPI W]RG WXEVXIH		)VVSV HYVMRK +SSKPI W]RG
	&EXXIV] IQTX]		&EXXIV] JYPP
	&EXXIV] GLEVKMRK		&EXXIV] WXEXYW YRORS[R IVVSV
	2S 7-1 GEVH		9RORS[R 7-1 GEVH

+IXXMRK ERW[IVW EFSYX LS[ XS YWI :7

8SYGL XLI %TTW /I] " +YMHIH XSYVW XS KIX MRJSVQEXMSR EFSYX YWMRK :7 MRGPYHMRK XLI YWIV KYMHI ERH ZMHIS XYXSVMEPW

8LI &EWMGW

+IXXMRK XS /RS[ XLI ,SQI 7GVIIR

8LI ,SQI WGVIIR MW ]SYV WXEVXMRK TSMRX XS EGGIWW EPP XLI JIEXYVIW SR ]SYV TLSRI -X HMWTPE]W ETTPMGEXMSR WLSVXGYXW MGSRW [MHKIXW ERH SXLIV JIEXYVIW

7XEXYW &EV

7LS[W HIZMGI WXEXYW MRJSVQEXMSR MRGPYHMRK XLI XMQI WMKREP WXVIRKXL FEXXIV] WXEXYW ERH RSXMwGEXMSR MGSRW

%TTPMGEXMSR -GSR

8SYGL ER MGSR ETTPMGEXMSR JSPHIV IXG XS STIR XLI ETTPMGEXMSR ERH YWI MX

5YMGO /I]W

4VSZMHI IEW] SRI XSYGL EGGIWW XS XLI JYRGXMSRW ]SY YWI XLI QSWX

%TTW /I]

8SYGL XS STIR XLI %TTW WGVIIR XS ZMI[ EPP SJ ]SYV MRWXEPPIH ETTPMGEXMSRW

5YMGO /I]W

8LI 5YMGO /I]W EVI PSGEXIH EX XLI FSXXSQ SJ XLI ,SQI WGVIIR ERH %TTW WGVIIR

3TIRW XLI 4LSRI ETTPMGEXMSR [LMGL HMWTPE]W XLI HMEPTEH WS ]SY GER HMEP ER YRWEZIH RYQFIV -X EPWS TVSZMHIW EHHMXMSREP XEFW XS EGGIWW XLI 'EPP PSK 'SRXEGXW ERH ]SYV +VSYTW

3TIRW ]SYV 'SRXEGXW PMWX =SY GER EPWS EGGIWW XLI 4LSRI ETTPMGEXMSR 'EPP PSK ERH ]SYV +VSYTW F] XSYGLMRK XLI XEFW EGVSWW XLI XST SJ XLI WGVIIR

3TIRW XLI 1IWWEKMRK ETTPMGEXMSR

3TIRW XLI %TTW WGVIIR ERH HMWTPE]W TLSRI STXMSRW ERH ETTPMGEXMSRW

8S VIXYVR XS XLI ,SQI WGVIIR

#8SYGL XLI ,SQI /I] EX ER] XMQI JVSQ ER] ETTPMGEXMSR

8S ZMI[ SXLIV ,SQI WGVIIR TERIW

#7PMHI ]SYV wRKIV PIJX SV VMKLX EGVSWW XLI ,SQI WGVIIR 8LI ,SQI WGVIIR WTERW WIZIR WGVIIR [MHXLW EPPS[MRK QSVI WTEGI JSV MGSRW [MHKIXW WLSVXGYXW ERH SXLIV MXIQW

8LI &EWMGW

,SQI 7GVIIR 4ERI -RHMGEXSV 8LI HSXW MRHMGEXI [LMGL ,SQI WGVIIR TERI ]SY EVI ZMI[MRK

8SYGLWGVIIR

=SYV XSYGLWGVIIR TVSZMHIW ER I\GIPPIRX [E] XS MRXIVEGX [MXL ERH YWI ]SYV %RHVSMH TLSRI MXL XLI XSYGL SJ ]SYV wRKIV ]SY GER HS[RPSEH ERH YWI EZEMPEFPI ETTPMGEXMSRW QEOI QIRY WIPIGXMSRW ERH EGGIWW HEXE WEZIH XS ]SYV TLSRI

8LI JSPPS[MRK XIVQW EVI YWIH JSV HIWGVMFMRK XLI HMJJIVIRX EZEMPEFPI EGXMSRW YWMRK XLI XSYGLWGVIIR

8SYGL % WMRKPI wRKIV XSYGL WIPIGXW MXIQW *SV I\EQTPI XSYGL ER MGSRI K ETTPMGEXMSR SV QIRY MXIQ XSYGL [SVHW I K QIRY WIPIGXMSR SV XS ERW[IV SRWGVIIR UYIWXMSR SV XSYGL PIXXIVW ERH RYQFIVW XS X]TI

8SYGL ERH LSPH 8SYGL ERH LSPH ER MXIQ SR XLI WGVIIR F] XSYGLMRK MX ERH RSX PMJXMRK ]SYV wRKIV YRXMP ER EGXMSR SGGYVW *SV I\EQTPI XS STIR E TST YT QIRY JSV GYWXSQM^MRK XLI ,SQI WGVIIR XSYGL ER IQTX] EVIE SR XLI ,SQI WGVIIR YRXMP XLI QIRY TSTW YT

(VEK 8SYGL ERH LSPH ER MXIQ JSV E QSQIRX ERH XLIR [MXLSYX PMJXMRK ]SYV wRKIV QSZI ]SYV wRKIV SR XLI WGVIIR YRXMP ]SY VIEGL XLI XEVKIX TSWMXMSR =SY GER HVEK MXIQW SR XLI ,SQI WGVIIR XS VITSWMXMSR XLIQ

7[MTI SV WPMHI 8S W[MTI SV WPMHI UYMGOP] QSZI ]SYV wRKIV EGVSWW XLI WYVJEGI SJ XLI WGVIIR [MXLSYX TEYWMRK [LIR ]SY wVWX XSYGL MX WS ]SY HSRtX HVEK ER MXIQ MRWXIEH *SV I\EQTPI ]SY GER HVEK SV WPMHI XLI WGVIIR YT SV HS[R XS WGVSPP E PMWX SV FVS[WI XLVSYKL XLI HMJJIVIRX ,SQI WGVIIRW F] W[MTMRK JVSQ PIJX XS VMKLX ERH ZMGI ZIVWE

8LI &EWMGW

(SYFPI XET (SYFPI XET XS ^SSQ E [IF TEKI SV E QET *SV I\EQTPI UYMGOP] HSYFPI XET E WIGXMSR SJ E [IF TEKI XS ^SSQ XLEX WIGXMSR XS wX XLI [MHXL SJ XLI WGVIIR =SY GER EPWS HSYFPI XET XS GSRXVSP XLI ^SSQ MR &MRK 1ETW ERH MR SXLIV ETTPMGEXMSRW

4MRGL XS >SSQ 9WI ]SYV MRHI\ wRKIV ERH XLYQF MR E TMRGL SV WTVIEH QSXMSR XS ^SSQ MR SV SYX [LIR YWMRK XLI FVS[WIV E QET SV TMGXYVIW

6SXEXI XLI WGVIIR *VSQ QER] ETTPMGEXMSRW XLI SVMIRXEXMSR SJ XLI WGVIIR VSXEXIW [MXL XLI TLSRI EW ]SY XYVR MX JVSQ YTVMKLX XS WMHI[E]W ERH FEGO EKEMR

6SXEXI XLI TLSRI GSYRXIV GPSGO[MWI 6SXEXI XLI TLSRI GPSGO[MWI JSV JSV PERHWGETI SVMIRXEXMSR TSVXVEMX SVMIRXEXMSR

8LI &EWMGW

8I\X -RTYX 1IXLSHW

3R WGVIIR /I]FSEVH =SY GER IEWMP] IRXIV XI\X YWMRK XLI SR WGVIIR OI]FSEVH 8LI SR WGVIIR OI]FSEVH HMWTPE]W EYXSQEXMGEPP] SR XLI WGVIIR [LIR ]SY RIIH XS IRXIV XI\X 8S QERYEPP] HMWTPE] XLI OI]FSEVH WMQTP] XSYGL E XI\X wIPH [LIVI ]SY [ERX XS IRXIV XI\X

8SKKPIW FIX[IIR HMJJIVIRX PERKYEKIW

8SKKPIW JVSQ 7=1 QSHI XS %&' QSHI

8]TMRK XMTW

)RXIV SXLIV GLEVEGXIVW

*VSQ XLI RYQFIVW OI]FSEVH XSYGL 8SYGLXS VIXYVR XS XLI RYQFIVW OI]FSEVH

)RXIV SRI GETMXEP PIXXIV 8SYGL 7LMJX

)RXIV EPP GETMXEP PIXXIVW

8SYGL 7LMJX X[MGI 8SYGL EKEMR XS VIZIVX XS PS[IVGEWI

'YX SV GST] WIPIGXIH XI\X 8ET XLI XI\X XS LMKLPMKLX MX 8LIR XSYGL ERH LSPH XLI XI\X XLIR XSYGL 'YX SV 'ST]

4EWXI GYX SV GSTMIH XI\X

8SYGL ERH LSPH XLI PSGEXMSR XS TEWXI XLI XI\X XLIR XSYGL 4EWXI

(IPIXI E GLEVEGXIV

8SYGL (IPIXI

LSPH XS HIPIXI JEWXIV

8I\X MRTYX WIXXMRKW

8S GLERKI ]SYV XI\X IRXV] WIXXMRKW ERH WII XLI HMGXMSREV] SJ XIVQW ]SYtZI YWIH JVSQ XLI ,SQI WGVIIR XSYGL XLI %TTW /I] " 7IXXMRKW "

0ERKYEKI OI]FSEVH

8S GLERKI XLI HIJEYPX PERKYEKI XSYGL 7IPIGX PERKYEKI

8LI &EWMGW

%TTPMGEXMSRW ,S[ XS :MI[ 3TIR ERH 7[MXGL

%PP SJ XLI ETTPMGEXMSRW SR ]SYV TLSRI MRGPYHMRK ER] ETTPMGEXMSRW XLEX ]SY HS[RPSEHIH ERH MRWXEPPIH JVSQ %RHVSMH 1EVOIX81 SV SXLIV WSYVGIW EVI KVSYTIH XSKIXLIV SR XLI %TTW WGVIIR [LMGL ]SY EGGIWW JVSQ ]SYV ,SQI WGVIIR -J ]SY LEZI QSVI ETTPMGEXMSRW XLER GER wX SR XLI %TTW WGVIIR ]SY GER WPMHI XLI WGVIIR YT SV HS[R XS ZMI[ QSVI

,SQI WGVIIR

8SYGL XS STIR XLI %TTW WGVIIR

%TTW WGVIIR

7PMHI XLI WGVIIR YT SV HS[R XS FVMRK QSVI MGSRW MRXS ZMI[

8SYGL ER ETTPMGEXMSR MGSR XS STIR XLI ETTPMGEXMSR

5YMGO /I]W

8SYGL XS GPSWI XLI %TTW WGVIIR

8LI &EWMGW

3TIRMRK ERH 'PSWMRK XLI %TTW WGVIIR

3TIRMRK XLI %TTW WGVIIR

MXL ]SYV :7 MXtW IEW] XS EGGIWW XLI %TTW WGVIIR RS QEXXIV [LEX JIEXYVI ]SYtVI GYVVIRXP] YWMRK 7MQTP] XSYGL XLI %TTW /I]

'PSWMRK XLI %TTW WGVIIR

8S QERYEPP] GPSWI XLI %TTW WGVIIR XSYGL XLI ,SQI /I] SV XSYGL ,SQI

238) 8LI %TTW WGVIIR GPSWIW EYXSQEXMGEPP] [LIR ]SY XSYGL ER MGSR XS STIR MXW ETTPMGEXMSR

(VEKKMRK ER MGSR SRXS ]SYV ,SQI WGVIIR EPWS GPSWIW XLI %TTW WGVIIR EYXSQEXMGEPP]

'YWXSQM^MRK XLI %TTW WGVIIR

8LI MXIQW SR XLI %TTW WGVIIR EVI PMWXIH EPTLEFIXMGEPP] [MXLMR IEGL ETTPMGEXMSR GEXIKSV] =SY GER GYWXSQM^I XLI %TTW WGVIIR F] QSZMRK XLI TSWMXMSR SJ ETTPMGEXMSRW WS XLEX ]SY HSRtX LEZI XS WGVSPP XLI WGVIIR YT XS EGGIWW XLI ETTPMGEXMSRW ]SY YWI QSWX SJXIR =SY GER EPWS EHH EHHMXMSREP GEXIKSVMIW XS XLI WGVIIR XS SVKERM^I ]SYV wPIW

1SZMRK ETTPMGEXMSR TSWMXMSRW

*VSQ XLI ,SQI WGVIIR XSYGL XLI %TTW /I]

8SYGL XLI 1IRY /I] " 1EREKI ETT

8SYGL ERH LSPH XLI ETTPMGEXMSR MGSR ERH HVEK MX XS XLI TSWMXMSR ]SY [ERX XLIR PMJX ]SYV wRKIV %TTPMGEXMSR MGSRW XS XLI VMKLX SJ XLI TSWMXMSR WLMJX EGGSVHMRKP]

%HHMRK E GEXIKSV]

*VSQ XLI ,SQI WGVIIR XSYGL XLI %TTW /I]

8SYGL XLI 1IRY /I] " 1EREKI GEXIKSV] " %HH

)RXIV XLI GEXIKSV] REQI XLIR XSYGL 7EZI

8LI &EWMGW

3TIRMRK ERH 7[MXGLMRK %TTPMGEXMSRW

1YPXM XEWOMRK MW IEW] [MXL %RHVSMH81 FIGEYWI STIR ETTPMGEXMSRW OIIT VYRRMRK IZIR [LIR ]SY STIR ERSXLIV ETTPMGEXMSR 8LIVItW RS RIIH XS UYMX ER ETTPMGEXMSR FIJSVI STIRMRK ERSXLIV =SY GER YWI ERH W[MXGL EQSRK WIZIVEP STIR ETTPMGEXMSRW %RHVSMH QEREKIW IEGL ETTPMGEXMSR WXSTTMRK ERH WXEVXMRK XLIQ EW RIIHIH XS IRWYVI XLEX MHPI ETTPMGEXMSRW HSRtX GSRWYQI VIWSYVGIW YRRIGIWWEVMP]

3TIRMRK ER ETTPMGEXMSR

#3TIR ER ETTPMGEXMSR WMQTP] F] XSYGLMRK MXW MGSR SR XLI WGVIIR

8-4 =SY GER GYWXSQM^I ]SYV ,SQI WGVIIR [MXL XLI ETTPMGEXMSR MGSRW ]SY YWI QSWX SJXIR

%TTPMGEXMSRW EVI PSGEXIH SR XLI %TTW WGVIIR FYX ]SY GER GST] ER] ETTPMGEXMSR MGSR XS ]SYV ,SQI WGVIIR JSV JEWXIV EGGIWW 2S QEXXIV [LIVI XLI MGSR MW SR XLI %TTW WGVIIR SV ]SYV ,SQI WGVIIR NYWX XSYGL MX XS STIR ERH YWI MX

3TIRMRK QYPXMTPI ETTPMGEXMSRW

8SYGL ER ETTPMGEXMSR MGSR XS STIR MX

8SYGL XLI ,SQI /I]

238) -J XLI ETTPMGEXMSR MGSR ]SY [ERX MW SR ]SYV ,SQI WGVIIR WMQTP] XSYGL XLI MGSR XS STIR

ERH YWI MX

8SYGL XLI %TTW /I]

8SYGL XLI MGSR JSV XLI SXLIV ETTPMGEXMSR ]SY [ERX XS STIR

7[MXGLMRK FIX[IIR QYPXMTPI ETTPMGEXMSRW

8SYGL ERH LSPH XLI ,SQI /I] % WGVIIR [MXL XLI MGSRW SJ ETTPMGEXMSRW XLEX ]SYtZI YWIH VIGIRXP] [MPP ETTIEV

8SYGL XLI ETTPMGEXMSR MGSR ]SY [ERX XS STIR SV XSYGL XLI &EGO /I] XS VIXYVR XS XLI GYVVIRX WGVIIR

8LI &EWMGW

8SYGL ER MGSR XS STIR ER ETTPMGEXMSR ]SYtZI YWIH VIGIRXP]

%HHMRK ETTPMGEXMSR MGSRW XS XLI ,SQI WGVIIR

'YWXSQM^I ]SYV ,SQI WGVIIR [MXL XLI ETTPMGEXMSRW ]SY YWI QSWX SJXIR

3TIR XLI %TTW WGVIIR

8SYGL ERH LSPH XLI ETTPMGEXMSR MGSR ]SY [ERX XS EHH XS ]SYV ,SQI WGVIIR =SYV %TTW WGVIIR [MPP GPSWI WS XLEX ]SY GER TPEGI XLI MGSR SR XLI ,SQI WGVIIR

0MJX ]SYV wRKIV XS TPEGI MX SV HVEK XLI MGSR XS [LIVI ]SY [ERX MX SR XLI WGVIIR XLIR PMJX ]SYV wRKIV

8LI &EWMGW

;SVOMRK [MXL 1IRYW

8LIVI EVI X[S OMRHW SJ %RHVSMH QIRYW 3TXMSRW QIRYW ERH 'SRXI\X QIRYW

3TXMSRW QIRYW

3TXMSRW QIRYW GSRXEMR XSSPW XLEX ETTP] XS XLI EGXMZMXMIW SJ XLI GYVVIRX WGVIIR SV ETTPMGEXMSR RSX XS ER] WTIGMwG MXIQ SR XLI WGVIIR 8S STIR XLI EZEMPEFPI STXMSRW QIRY XSYGL XLI 1IRY /I] 2SX EPP ETTPMGEXMSRW LEZI 3TXMSRW QIRYW MJ ]SY XSYGL XLI 1IRY /I] SR E WGVIIR XLEX LEW RS 3TXMSRW QIRY RSXLMRK [MPP LETTIR

7SQI ETTPMGEXMSRW LEZI QSVI 3TXMSRW QIRY MXIQW XLER GER wX MR XLI STXMSRW QIRY 8S ZMI[ XLI EHHMXMSREP QIRY MXIQW XSYGL 1SVI

8SYGL 1SVI XS ZMI[ EHHMXMSREP QIRY MXIQW

'SRXI\X QIRYW

'SRXI\X QIRYW GSRXEMR STXMSRW XLEX ETTP] XS E WTIGMwG MXIQ SR XLI WGVIIR 8S STIR E 'SRXI\X QIRY XSYGL ERH LSPH ER MXIQ SR XLI WGVIIR 2SX EPP MXIQW LEZI 'SRXI\X QIRYW -J ]SY XSYGL ERH LSPH ER MXIQ XLEX LEW RS 'SRXI\X QIRY RSXLMRK [MPP LETTIR

8LI &EWMGW

LIR ]SY XSYGL ERH

LSPH GIVXEMR MXIQW SR

E WGVIIR E 'SRXI\X

QIRY STIRW

1EREKMRK 2SXMwGEXMSRW

2SXMwGEXMSR MGSRW VITSVX XLI EVVMZEP SJ RI[ QIWWEKIW GEPIRHEV IZIRXW EPEVQW EW [IPP EW SRKSMRK IZIRXW WYGL EW [LIR ]SY EVI MR E GEPP

LIR ]SY VIGIMZI E RSXMwGEXMSR XLI RSXMwGEXMSR MGSR [MPP FI HMWTPE]IH MR XLI 7XEXYW &EV =SY GER STIR XLI 2SXMwGEXMSRW TERIP XS ZMI[ E PMWX SJ EPP VIGIRX RSXMwGEXMSRW (ITIRHMRK SR ]SYV WIXXMRKW ]SY QE] LIEV E RSXMwGEXMSR WSYRH ERH SV XLI TLSRI QE] ZMFVEXI

8S STIR XLI 2SXMwGEXMSRW TERIP

#8SYGL ERH HVEK XLI 7XEXYW &EV XS XLI FSXXSQ SJ XLI WGVIIR

36

#*VSQ XLI ,SQI WGVIIR XSYGL XLI 1IRY /I] " 2SXMwGEXMSRW

8LI 2SXMwGEXMSRW TERIP HMWTPE]W ]SYV [MVIPIWW TVSZMHIV ERH E PMWX SJ ]SYV GYVVIRX RSXMwGEXMSRW SVKERM^IH MRXS SRKSMRK ERH IZIRX FEWIH RSXMwGEXMSRW

8LI &EWMGW

8SYGL E RSXMwGEXMSR XS STIR MX

8S VIWTSRH XS E RSXMwGEXMSR

3TIR XLI 2SXMwGEXMSRW TERIP =SYV GYVVIRX RSXMwGEXMSRW EVI PMWXIH MR XLI TERIP IEGL [MXL E FVMIJ HIWGVMTXMSR

8SYGL E RSXMwGEXMSR XS ZMI[ MX

8LI 2SXMwGEXMSRW TERIP [MPP GPSWI ERH XLI ETTPMGEXMSR XLEX GSVVIWTSRHW XS ]SYV VIWTSRWI [MPP STIR *SV I\EQTPI RI[ ZSMGIQEMP RSXMwGEXMSRW HMEP ]SYV ZSMGIQEMP FS\ ERH +QEMP RSXMwGEXMSRW STIR XLI +QEMP ETTPMGEXMSR WS ]SY GER VIEH ]SYV RI[ QIWWEKIW

8S GPIEV EPP RSXMwGEXMSRW

3TIR XLI 2SXMwGEXMSRW TERIP

8SYGL XLI 'PIEV FYXXSR %PP IZIRX FEWIH RSXMwGEXMSRW [MPP FI GPIEVIH SRKSMRK RSXMwGEXMSRW [MPP VIQEMR MR XLI PMWX

8S GPSWI XLI 2SXMwGEXMSRW TERIP

8SYGL ERH HVEK XLI XEF EX XLI FSXXSQ SJ XLI 2SXMwGEXMSRW TERIP XS XLI XST SJ XLI WGVIIR SV NYWX TVIWW XLI &EGO /I] 8LI TERIP [MPP EPWS GPSWI [LIR ]SY XSYGL E RSXMwGEXMSR

8LI &EWMGW

7IEVGLMRK =SYV 4LSRI ERH XLI ;IF

=SY GER WIEVGL JSV MRJSVQEXMSR SR ]SYV TLSRI ERH SR XLI [IF F] YWMRK XLI &MRK WIEVGL ETTPMGEXMSR 7SQI ETTPMGEXMSRW WYGL EW +QEMP 'SRXEGXW ERH &VS[WIV LEZI XLI EFMPMX] XS WIEVGL GSRXIRXW [MXLMR XLSWI WTIGMwG ETTPMGEXMSRW =SY GER GSRHYGX XLI WIEVGL F] X]TMRK MR XLI WIEVGL XIVQW SV WE]MRK [LEX ]SYtVI PSSOMRK JSV 8]TMRK GER FI YWIJYP FIGEYWI XLI WIEVGL ETTPMGEXMSR GER TVSZMHI WYKKIWXMSRW WS ]SY HSRtX RIGIWWEVMP] LEZI XS X]TI SYX ]SYV JYPP VIUYIWX

4LSRI ERH ;IF WIEVGL YWMRK XI\X IRXV]

8SYGL XLI 7IEVGL /I]

LIR ]SY XSYGL XLI 7IEVGL /I] SR XLI ,SQI WGVIIR SV MR SXLIV ETTPMGEXMSRW XLEX WYTTSVX XLMW XLI 5YMGO 7IEVGL &S\ [MPP STIR EYXSQEXMGEPP]

:SMGI 7IEVGL 8SYGL XS WIEVGL F] ZSMGI

4VSZMHIW SRI XSYGL WLSVXGYX XS

QEXGLMRK WIEVGL MXIQW ERH TEWX

WIEVGLIW

-R WSQI ETTPMGEXMSRW WYGL EW +QEMP 'SRXEGXW ERH &VS[WIV XLI ETTPMGEXMSRtW S[R WIEVGL FS\ STIRW [LIR ]SY XSYGL XLI 7IEVGL /I] 8LMW MW MRHMGEXIH F] XLI ETTPMGEXMSRtW MGSR SR XLI PIJX WMHI SJ XLI WIEVGL FS\

2S QEXXIV [LEX ETTPMGEXMSR ]SYtVI [SVOMRK MR I\GITX JSV 'EQIVE XSYGLMRK XLI 7IEVGL /I] [MPP STIR XLI 5YMGO 7IEVGL &S\

8LI &EWMGW

)RXIV XLI XI\X ]SYtVI WIEVGLMRK JSV MR XLI 5YMGO 7IEVGL &S\

%W ]SY X]TI WIEVGL VIWYPXW JVSQ ]SYV TLSRI TVIZMSYW WIEVGL XIVQW ERH [IF WIEVGL WYKKIWXMSRW ETTIEV 8SYGL ER MXIQ XS EGXMZEXI XLEX WIEVGL VIWYPX

=SY GER YWI XLI 7IEVGL TVIJIVIRGIW XS GSRwKYVI WSQI EWTIGXW SJ &MRK [IF WIEVGL JSV I\EQTPI [LIXLIV MX QEOIW WYKKIWXMSRW FIPS[ XLI 5YMGO 7IEVGL &S\ EW ]SY X]TI ERH [LEX TLSRI JIEXYVIW ]SY [ERX XS MRGPYHI MR WIEVGLIW 8S EGGIWW &MRK WIXXMRKW STIR XLI &MRK ETTPMGEXMSR ERH XSYGL XLI 1IRY /I] " 7IXXMRKW

8SYGL XS WIEVGL JSV XLI IRXIVIH XIVQW