Constantine Parish
Housing Needs Survey
January 2015
Affordable Housing Team Cornwall Council
Introduction
Cornwall Council’s Affordable Housing Team in partnership with Constantine
Community Land Trust conducted a housing needs survey. The information collected
will be used to help identify the current local need for affordable housing in the
parish and the size and type required. It could also help the Parish Council if a
neighbourhood plan were to be pursued.
A postcard advising households of the survey and how to access the online
questionnaire were sent to every household living within the Parish. In total 839
postcards were sent out in September 2014 and the closing date for completion of
21st the survey was extended to November 2014 to coincide with publicity through
local public meetings.
Assessing the confidence of the relatively low response rate, the statistical accuracy
translates to a margin for error of 11%. In practice this means that we can be 95%
certain that if (say) 45% of respondents pick the same answer to a particular
question, between 34% (45 less 11) and 56% (45 plus 11) of all households would
have picked the same answer had all households responded to that particular
question.
This document sets out a summary of the survey results, and includes additional data
from Cornwall Council’s Homechoice register. As well as questions regarding housing
need, and whether further development would be supported, the survey aimed to
identify those who would benefit from affordable workspaces, and gauge any interest
in selfbuild. The summary reflects a snapshot of the current housing situation within
the Parish and focuses on the need for affordable housing. A copy of the full
results excluding personal data is included as appendix 1.
Constantine Housing Need Survey January 2015
2
Local connections and need for affordable housing
o In total 71 household responses to the survey were validated
o A further 19 responses could not be validated
o Of those validated and eligible respondents, 14 households require
affordable housing
The Affordable housing team has analysed the responses of those requiring
affordable housing to better understand their local connection.
• 16 households have lived within the Parish for more than 3 years
• 13 households work within the Parish for 16 hours or more
• 13 respondents had previously lived within the Parish
• 17 households have a family connection within the Parish
The most common reasons for needing to move were:
• To move to a more affordable home
• Currently renting but would like to buy
Of those needing to move 14 households needed to do so within the next 2
years. There are 9 others who need to move within 25 years.
Constantine Housing Need Survey January 2015
3
Homechoice
Households were asked if they are currently registered for affordable housing.
Homechoice registered local housing need in the parish is currently 55
households. Of the 14 households identified by this survey requiring affordable
housing, 6 new households have been identified who are not currently
registered for affordable housing and so are in addition to the following:
Size of Accommodation
Priority Band 1Bed 2Bed 3Bed 4Bed 6bed Total
Band A 0 0 0 0 0 0
Band B 2 4 1 0 1 8
Band C 5 3 4 1 0 13
Band D 2 2 1 0 0 5
Band E 16 11 2 0 0 29
Total 25 20 8 1 1 55
Of those with a local connection, 1 7 households on the Homechoice
register have stated a preference for living in Constantine Parish.
Constantine Housing Need Survey January 2015
4
Affordable Housing Requirements
The following information identifies the type of affordable housing required.
It should be noted that not all of the households who identified a need for
affordable housing answered all of the questions.
Location
Respondents who indicated their need for affordable housing were asked where
they would like to live within the Parish.
Constantine 11
Seworgan 0
Porth Navas 2
Anywhere within the Parish 10
Outside of the Parish 1
Tenure
The following tenure preferences were identified as being most suitable for the
household need:
Affordable Rent 3
Shared Ownership 5
Intermediate Sale 4
Private Rented 0
Open Market 0
Self Build to rent 0
Self Build to own 10
Size of accommodation required
The number of bedrooms required by each household is as follows:
1 bed 2
2 bed 7
3 bed 12
4 bed + 3
Adaptations
1 household identified a need for older person’s accommodation, and one other for ground floor accommodation
Constantine Housing Need Survey January 2015
5
Buying or renting an affordable home
Households were asked what the maximum price range they could afford if
purchasing a property.
Do not wish to purchase 0
Under £80,000 3
£81,000 £100,000 4
£101,000 £125,000 5
£126,000 £155,000 6
£156,000 £200,000 1
£200,000 + 1
Households were asked what the maximum monthly rent they could afford if
renting a property.
Do not wish to rent 1
Under £400 pcm 1
£400 £500 pcm 8
£501 £600 pcm 4
£601 £700 pcm 2
£701 £800 pcm 1
£800 pcm + 0
Of those who would like to Selfbuild, the amount of deposit that individuals
could raise varied between £3,000 and £100,000 although typically the sum is
between £5,000 and £20,000
Constantine Housing Need Survey January 2015
6
New development within the Parish
Respondents were asked if they would support an affordable housing led
development, to help meet the needs of local people with a connection to the
Parish.
Yes 52
No 8
Maybe 16
49 comments were provided by respondents and these have been
summarised below:
• The village is too small and has enough homes already
• There would be enough local housing if you stopped rich incomers
buying them
• Too many second homes
• There is only limited availability of local affordable housing, more is
needed to help sustain the village for the future
• It’s difficult for young people to get on to the housing ladder, local
prices are very high and incomes low
• Myself, my friends, and some neighbours are all finding it difficult to
stay in the village, one has just had to move away
• Affordable housing should be prioritised for truly local people
• Development should only be within the village, otherwise the
infrastructure would need to be improved. Lack of transport links.
• The type and number of affordable homes is important, as is quality,
ecofriendliness, and an appropriate location for them
Constantine Housing Need Survey January 2015
7
Respondents were asked how many new homes they would support
being built.
None 7
110 19
1120 24
2130 7
3140 4
41+ 2
Don’t mind 11
Respondents were also asked what type(s) of development they would
support
None 8
Affordable rented homes 43
Older persons accommodation 32
Affordable homes to purchase 51
Open market housing 5
All of the above 8
Selfbuild 3
Building plots for locals 1
Respondents were also asked if they would be interested in
workspaces for rent, and what type
Office space 11
Workshops 25
Arts & Crafts space 20
Other commercial space 10
No workspace needed 36
Those who wanted a workspace were asked how much they could afford
to pay. Responses ranged from £30140 per week, with the average
being £55 per week
Constantine Housing Need Survey January 2015
7
Land for future development
10 respondents suggested land which may be suitable for development
• As shown on the Village Plan
• Extension to Penbothdino Close
• Wheal Vyvyan, opposite the school
• Field by the School
• As identified by the Cornwall Structure Plan
• Nans Avalon which has consent for market housing
• Trebarvah House, west of the village
• Bosahan Quarry
• Field at Brillwater
Constantine Housing Need Survey January 2015
8
Summary
Information from this survey as well as preference data from Homechoice
indicates that there is a
o local need for between 1520 affordable homes within the Parish
o predominant need for 2 and 3 bed accommodation
o broadly divided support for affordable rented and affordable ownership
o preference for affordable home ownership rather than rent
o desire for some selfbuilt homes; not all would have sufficient deposit
o majority who want to live in the parish
o high degree of support for providing more affordable housing
o level of support for around 20 affordable homes
o need for between 1025 workspaces for an average rent of £55pw
o general concern to ensure that the number and location of affordable
homes provided is appropriate, they are ecofriendly, of good quality,
and aimed specifically at local people so as to promote sustainability
Note
For all planning applications that involve on site affordable housing, a Section 106 legal Agreement would be required. This is a Planning obligation which ensures that affordable homes are provided for occupancy by qualifying local persons in perpetuity; it also contains provisions to control initial and future rent levels and sales values.
If you would like this information in another format please contact:
The Affordable Housing Team, Cornwall Council Circuit House, St Clement Street, Truro TR1 1DT
Telephone: 01872 326353 Email: [email protected]
Constantine Housing Need Survey 9 January 2015
Constantine Parish
Housing Needs Survey
Appendix 1 Results Data (nonpersonal)
Constantine Parish
Housing Needs Survey
Appendix 1 Results Data (nonpersonal)
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:4;<=>?;@;A>AB>C;=D;E=FC;G=F?>G=HI C>JFKC>;LDD=CI@BH>;M=F?KNOP
LN?Q>C>IR;9S; TUKVV>IR;S
Y>?
Z=
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
=>? 345446 23
@A 785896 42
W=X@H 9S
7BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:L;<=>?;@;A>AB>C;=D;E=FC;G=F?>G=HI;HKM> KN;XG>;N@CK?GP
LN?Q>C>IR;7L; TUKVV>IR;L8
Y>?
Z=
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
=>? 8J5K86 :8
@A 4K5JL6 <
W=X@H 7L
2BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:3;NH>@?>;VC=MKI>;XG>;NFAB>C;=D;V>=VH>;KN XG>;C>H>M@NX;@O>;OC=FV?;KN;E=FC;G=F?>G=HI
B>H=QR LN?Q>C>IR;J9; TUKVV>IR;34
O@H>
SP4J;E>@C?
47PLK;E>@C?
LJPKK;E>@C?
KJP7K;E>@C?
7JQ;E>@C?
756 256 856 956 :56 456 ;56 356 <56 7556
7 2 8 95
56
8BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
S>A@H>
SP4J;E>@C?
47PLK;E>@C?
LJPKK;E>@C?
KJP7K;E>@C?
7JQ;E>@C?
756 256 856 956 :56 456 ;56 356 <56 7556
7 2 8 95
56
O@H>
; S 4 L 3 K W=X@H
5D7:BE>FG? LS5SS6
8
J35336
3
LS5SS6
8
757R6
7
S5SS6
5
; 7:
74D29BE>FG? 7S5SS6
8
LS5SS6
7
LS5SS6
7
S5SS6
5
S5SS6
5
; :
2:D99BE>FG? L757R6
9
R35336
77
S5SS6
5
S5SS6
5
S5SS6
5
; 7:
9:D49BE>FG? 4J5SS6
8
8J5SS6
7;
S5SS6
5
S5SS6
5
S5SS6
5
; 25
4:HBE>FG? R5K46
2
885896
29
35RS6
7
S5SS6
5
S5SS6
5
; 2;
S>A@H>
; S 4 L 3 K W=X@H
5D7:BE>FG? L35S86
8
745JK6
3
4J5386
2
S5SS6
5
S5SS6
5
; 78
74D29BE>FG? KL5876
8
KL5876
8
4K5L96
7
S5SS6
5
S5SS6
5
; ;
2:D99BE>FG? 4K5L96
2
8J5R46
72
S5SS6
5
S5SS6
5
S5SS6
5
; 79
9BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
9:D49BE>FG? 95S96
2
9S5946
25
S5SS6
5
S5SS6
5
S5SS6
5
; 22
4:HBE>FG? 358J6
7
9754J6
2:
S5SS6
5
S5SS6
5
S5SS6
5
; 24
:BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:K;T?;E=FC;G=A>;KN;XG>;N@CK?G;E=FC;A@KN G=A>P
LN?Q>C>IR;J8; TUKVV>IR;3L
Y>?
Z=
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
=>? 9K5836 ::
@A J54R6 8
W=X@H J8
4BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:J;M=Q;H=NO;G@M>;E=F;HKM>I;@X;E=FC;VC>?>NX @IIC>??P
LN?Q>C>IR;J7; TUKVV>IR;3K
U>??;XG@N;3 E>@C?
3PJ;E>@C?
JP4S;E>@C?
O=C>;XG@N;4S E>@C?
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
I>??BJKFLB8BE>FG? 4L5JS6 ;
8D:BE>FG? 4L5JS6 ;
:D75BE>FG? L75R96 7:
MAG>BJKFLB75BE>FG? K85L46 2;
W=X@H J7
;BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:7;<=;E=F;=QN;=C;C>NX;E=FC;G=A>P
LN?Q>C>IR;J8; TUKVV>IR;3L
VQN>I;=FXCKOGX
VQN>I;QKXG;@ A=CXO@O>;=C555
TG@C>I =QN>C?GKV
I>NX>I;DC=A XG>;G=FNHKH
I>NX>I;DC=A;@ M=F?KNO555
NCKM@X>;C>NX>I
UKMKNO;W I>NXKNO;DC=A555
WK>I;=C;HKNU>I X=;X=B
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
NOL>PBA-JG./KJ 7L5SR6 84
NOL>PBO.JKBFB0AGJ/F/>BAGB1AFL LJ5876 7:
2KFG>PBAOL>G?K.3 S5SS6 5
4>LJ>PB5GA0BJK>B6A-L7.1 45RL6 7
4>LJ>PB5GA0BFBtA-?.L/Bu??A7.FJ.AL 35KJ6 2
vG.wFJ>BG>LJ>P J54R6 8
I.w.L/BCB4>LJ.L/B5GA0BFBG>1FJ.w>BAGB5G.>LP 45RL6 7
x.>PBAGB1.Ly>PBJABzA{ S5SS6 5
W=X@H J8
3BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:R;YG@X;XEV>;=D;G=A>;I=;E=F;HKM>;KNP
LN?Q>C>IR;J8; TUKVV>IR;3L
<>X@HG>I
T>AKPI>X@HG>I
W>CC@H>I
]FNO@H=Q
SH@X
O@K?=N>XX>
O=BKH>;G=A>;=C H@C@M@N
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
}>JF7K>P JS5SS6 2<
2>0.DP>JF7K>P 4S53K6 4
x>GGF7>P 4R5LK6 75
~-L/F1AO LL5K46 78
�1FJ S5SS6 5
MF.?AL>JJ> S5SS6 5
MA{.1>BKA0>BAGB7FGFwFL S5SS6 5
W=X@H J8
Z VXG>C;[VH>@?>;?V>HKDE\ <@X>
B xK>G>BFG>BLABG>?3AL?>?| B
<BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:8;M=Q;A@NE;B>IC==A?;KN;E=FC;G=A>P
LN?Q>C>IR;J8; TUKVV>IR;3L
4
L
3
K
JQ
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
7 S5SS6 5
2 4J5JL6 <
8 JS5SS6 2<
9 LJ5876 7:
:H 857L6 :
W=X@H J8
75BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:9;T?;E=FC;G=A>;@I@VX>IP;NH>@?>;?>H>HX;@HH @I@VX@XK=N?;X=;E=FC;G=A>5
LN?Q>C>IR;J8; TUKVV>IR;3L
Z=
TX@KC;HKDX
LHH>??;C@AV?
^C@B;C@KH?
U>M>H;@HH>?? ?G=Q>C
UKD>HKN>
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
@A 895776 :2
2JF.GB1.5J 45RL6 7
u77>??BGF03? J54R6 8
�GF{BGF.1? 45RL6 7
I>w>1BF77>??B?KAO>G 759S6 9
I.5>1.L> 45RL6 7
W=X@H;I>?V=NI>NX?R;J8 ;
Z VXG>C;[VH>@?>;?V>HKDE\ <@X>
B xK>G>BFG>BLABG>?3AL?>?| B
77BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:4S;T?;E=FC;VC=V>CXE;?G>HX>C>I;=C;?FVV=CX>I @HH=AA=I@XK=NP
LN?Q>C>IR;J8; TUKVV>IR;3L
Z=
Y>?_;?G>HX>C>I [=HI>C;V>C?=555
Y>?_;?FVV=CX>I [H=ABKN@XK=N555
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
@A 4SS5SS6 :3
=>?�B?K>1J>G>PB�A1P>GB3>G?AL?BF77A00APFJ.AL�B/>L>GF11EBO.JKBFB?7K>0>B0FLF/>GK S5SS6 5
=>?�B?-33AGJ>PB�7A0{.LFJ.ALBA5BKA-?.L/BFLPB?-33AGJB?>Gw.7>?B3GAw.P>PK S5SS6 5
W=X@H J8
72BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:44;M@M>;@NE;A>AB>C?;=D;E=FC;G=F?>G=HI A=M>I;=FX;=D;XG>;V@CK?G;KN;XG>;H@?X;J;E>@C?P
TD;?=_;G=Q;A@NEP
LN?Q>C>IR;J8; TUKVV>IR;3L
Z=N>
4
L
3
K
JQ
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
@AL> 8K5K86 9<
7 4J5JL6 <
2 S5SS6 5
8 S5SS6 5
9 S5SS6 5
:H S5SS6 5
W=X@H J8
78BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:4L;NH>@?>;KNIKH@X>;XG>KC;C>@?=N[?\;D=C A=MKNO;=FX;=D;XG>;V@CK?GP
LN?Q>C>IR;8; TUKVV>IR;8L
W=;A=M>;X= HG>@V>C555
NC>MK=F?;G=A> Q@?;X==;?A@HH
NC>MK=F?;G=A> Q@?;X==;BKO
LHH>??;VC=BH>A?
<K?C>V@KC;W H=NIKXK=N;=D555
I>H@XK=N?GKV BC>@UI=QN
W=;HKM>;HH=?>C X=;>AVH=EA>NX
W=;HKM> KNI>V>NI>NXHE
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
xAB0Aw>BJAB7K>F3>GBF77A00APFJ.AL S5SS6 5
vG>w.A-?BKA0>BOF?BJAAB?0F11 S5SS6 5
vG>w.A-?BKA0>BOF?BJAAB{./ S5SS6 5
u77>??B3GA{1>0? S5SS6 5
}.?G>3F.GBCB7ALP.J.ALBA5BKA0> S5SS6 5
4>1FJ.AL?K.3B{G>FyPAOL LJ5SS6 2
xAB1.w>B71A?>GBJAB>031AE0>LJ 3R5JS6 8
xAB1.w>B.LP>3>LP>LJ1E JS5SS6 9
W=X@H;I>?V=NI>NX?R;8 ;
Z VXG>C;[VH>@?>;?V>HKDE\ <@X>
7 xAB0Aw>B.LBO.JKB3FGJL>G 77C7;C2579B8L:;BuM
2 MN4NB@OO}2 75C:C2579B9L53BuM
8 /AL>BJABPL.w>G?.JE 75C8C2579B:L:2BuM
79BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:43;<=>?;@NE=N>;KN;E=FC;G=F?>G=HI_;N>>I @DD=CI@BH>;G=F?KNO;KN;XG>;V@CK?GP;TD;E>? VH>@?>;H=NXKNF>;X=;N@CX;L;=D;XGK?;?FCM>E5
LN?Q>C>IR;J7; TUKVV>IR;3K
Y>?
Z=
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
=>? 35JR6 2
@A 975K36 :9
W=X@H J7
7:BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:4K;<=>?;XG>;A>AB>C;=D;XG>;G=F?>G=HI N>>IKNO;X=;A=M>_;HKM>;KN;XG>;V@CK?GP
LN?Q>C>IR;3L; TUKVV>IR;J8
Y>?
Z=
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
=>? R45886 28
@A L85436 <
W=X@H 3L
74BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:4J;TD;?=_;G=Q;H=NO;G@?;XG>;A>AB>C;=D;E=FC G=F?>G=HI;HKM>I;KN;XG>;V@CK?GP
LN?Q>C>IR;L3; TUKVV>IR;7R
U>??;XG@N;3 E>@C?
3PJ;E>@C?
7P4S;E>@C?
4S;E>@C?;Q
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
I>??BJKFLB8BE>FG? 3S5K36 ;
8D:BE>FG? 3K5R86 3
4D75BE>FG? 85RS6 2
75BE>FG?BH L75S96 4
W=X@H L3
7;BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:47;<=>?;XG>;A>AB>C;=D;XG>;G=F?>G=HI N>>IKNO;X=;A=M>_;Q=CU;D=C;47;G=FC?;=C;A=C> [N=X;KNHHFIKNO;?>@?=N@H;>AVH=EA>NX\;KN;XG>
V@CK?GP
LN?Q>C>IR;L9; TUKVV>IR;74
Y>?
Z=
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
=>? KK5836 78
@A JJ54R6 74
W=X@H L9
73BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:4R;TD;?=_;G=Q;H=NO;G@?;XG>;A>AB>C;=D;E=FC G=F?>G=HI;Q=CU>I;D=C;47;G=FC?;=C;A=C>
[N=X;KNHHFIKNO;?>@?=N@H;>AVH=EA>NX\;KN;XG> V@CK?GP
LN?Q>C>IR;4K; TUKVV>IR;R7
U>??;XG@N;3 E>@C?
3PJ;E>@C?
7P4S;E>@C?
4S;E>@C?;Q
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
I>??BJKFLB8BE>FG? KL5876 4
8D:BE>FG? L85JR6 9
4D75BE>FG? 4K5L96 2
75BE>FG?BH 4K5L96 2
W=X@H 4K
7<BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:48;M@?;XG>;A>AB>C;=D;XG>;G=F?>G=HI N>>IKNO;X=;A=M>_;VC>MK=F?HE;HKM>I;KN;XG>
V@CK?GP
LN?Q>C>IR;L8; TUKVV>IR;7L
Y>?
Z=
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
=>? K75K36 78
@A J35JR6 7:
W=X@H L8
25BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:49;TD;?=_;G=Q;H=NO;G@I;XG>;A>AB>C;=D;E=FC G=F?>G=HI;HKM>I;KN;XG>;V@CK?GP
LN?Q>C>IR;43; TUKVV>IR;RR
U>??;L;E>@C?
LPK;E>@C?
JP4S;E>@C?
4S;E>@C?;Q
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
I>??B2BE>FG? L35S86 8
2D9BE>FG? R5796 7
:D75BE>FG? 4J5386 2
75BE>FG?BH J358J6 ;
W=X@H 43
27BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:LS;<=>?;XG>;A>AB>C;=D;XG>;G=F?>G=HI N>>IKNO;X=;A=M>_;G@M>;@;D@AKHE;A>AB>C
HKMKNO;KN;XG>;V@CK?GP
LN?Q>C>IR;L8; TUKVV>IR;7L
Y>?
Z=
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
=>? 7S5R46 7;
@A 395L96 77
W=X@H L8
22BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:L4;TD;?=_;G=Q;H=NO;G@?;XG>;D@AKHE;A>AB>C HKM>I;KN;XG>;V@CK?GP
LN?Q>C>IR;48; TUKVV>IR;RL
U>??;L;E>@C?
3PJ;E>@C?
7P4S;E>@C?
4S;E>@C?;Q
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
I>??B2BE>FG? 445446 2
8D:BE>FG? LR5R86 :
4D75BE>FG? 4757R6 8
75BE>FG?BH KK5KK6 3
W=X@H 48
28BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:LL;S@AKHE;A>AB>C`?;C>H@XK=N?GKV;X=;E=FP
LN?Q>C>IR;4K; TUKVV>IR;R7
O=XG>C
S@XG>C
<@FOGX>C
T=N
]C=XG>C
TK?X>C
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
MAJK>G R54K6 7
�FJK>G 4K5L96 2
}F-/KJ>G 4K5L96 2
2AL 3J5R46 :
~GAJK>G S5SS6 5
2.?J>G L85JR6 9
W=X@H 4K
Z VXG>C;[VH>@?>;?V>HKDE\ <@X>
7 >QDO.5>�B?J>3?ALBFLPBPF-/KJ>G 77C25C2579B2L74BvM
2 �4u@}MNxtO4 77C75C2579B77L99BuM
8 tP2~u@} 75C77C2579B4L:9BuM
9 ?.?J>G�B{GAJK>G�B7K.1PG>L� 75C2C2579B4L79BuM
29BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:L3;NH>@?>;VC=MKI>;XG>;NFAB>C;=D;V>=VH>;KN XG>;C>H>M@NX;@O>;OC=FV?;KN;XG>;G=F?>G=HI
N>>IKNO;X=;A=M>;B>H=QR LN?Q>C>IR;L7; TUKVV>IR;7K
O@H>
SP4J;E>@C?
47PLK;E>@C?
LJPKK;E>@C?
KJP7K;E>@C?
7JQ;E>@C?
756 256 856 956 :56 456 ;56 356 <56 7556
7 2 8 95
56
2:BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
S>A@H>
SP4J;E>@C?
47PLK;E>@C?
LJPKK;E>@C?
KJP7K;E>@C?
7JQ;E>@C?
56 756 256 856 956 :56 456 ;56 356 <56 7556
5 7 2 8 9
O@H>
; S 4 L 3 K W=X@H
5D7:BE>FG? 85336
7
RJ5SS6
<
4757R6
2
S5SS6
5
S5SS6
5
; 72
74D29BE>FG? S5SS6
5
S5SS6
5
S5SS6
5
S5SS6
5
S5SS6
5
; 5
2:D99BE>FG? S5SS6
5
9L5346
72
R5796
7
S5SS6
5
S5SS6
5
; 78
9:D49BE>FG? S5SS6
5
4SS5SS6
8
S5SS6
5
S5SS6
5
S5SS6
5
; 8
4:HBE>FG? S5SS6
5
S5SS6
5
S5SS6
5
S5SS6
5
S5SS6
5
; 5
S>A@H>
; S 4 L 3 K W=X@H
5D7:BE>FG? S5SS6
5
885896
3
445446
7
S5SS6
5
S5SS6
5
; <
74D29BE>FG? S5SS6
5
4SS5SS6
7
S5SS6
5
S5SS6
5
S5SS6
5
; 7
2:D99BE>FG? S5SS6
5
4SS5SS6
7:
S5SS6
5
S5SS6
5
S5SS6
5
; 7:
24BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
9:D49BE>FG? S5SS6
5
4SS5SS6
4
S5SS6
5
S5SS6
5
S5SS6
5
; 4
4:HBE>FG? S5SS6
5
S5SS6
5
S5SS6
5
S5SS6
5
S5SS6
5
; 5
2;BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:LK;YGE;I=>?;XG>;G=F?>G=HI;N>>I;X= A=M>P;NH>@?>;?>H>HX;C>@?=N[?\5
LN?Q>C>IR;LJ; TUKVV>IR;7J
W=;A=M>;X=;@ A=C>;@DD=CI@555
L;VC=BH>A;QKXG XG>;H=NIKXK=555
W=;HKM>;QKXG V@CXN>C
W=;A=M>;HH=?>C X=;>AVH=EA>NX
W=;A=M>;HH=?>C X=;DCK>NI?;W555
GFCC>NXHE C>NXKNO_;BFX555
GFCC>NX;G=A> K?;X==;?A@HH
GFCC>NX;G=A> K?;X==;BKO
UKMKNO;QKXG DCK>NI?;W555
W=;VC=MKI> ?FVV=CX;X=555
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
xAB0Aw>BJABFB0AG>BF55AGPF{1>BKA0> 7S5SS6 7:
uB3GA{1>0BO.JKBJK>B7ALP.J.ALBA5BJK>BKA0> LS5SS6 :
xAB1.w>BO.JKB3FGJL>G K5SS6 7
xAB0Aw>B71A?>GBJAB>031AE0>LJ LS5SS6 :
xAB0Aw>B71A?>GBJAB5G.>LP?BCB5F0.1E LK5SS6 4
6-GG>LJ1EBG>LJ.L/�B{-JBOA-1PB1.y>BJAB{-E 7S5SS6 7:
6-GG>LJBKA0>B.?BJAAB?0F11 L85SS6 ;
6-GG>LJBKA0>B.?BJAAB{./ S5SS6 5
I.w.L/BO.JKB5G.>LP?BCB5F0.1EBFLPBOA-1PB1.y>BJAB1.w>B.LP>3>LP>LJ1E
LS5SS6 :
xAB3GAw.P>B?-33AGJBJAB5F0.1EB0>0{>G 85SS6 2
W=X@H;I>?V=NI>NX?R;LJ ;
23BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
Z VXG>C;[VH>@?>;?V>HKDE\ <@X>
7 6-GG>LJ1EB.LBtA-?.L/Bu??A7.FJ.ALB3GA3>GJEB{-JBAL1EB>1./.{1>B5AGBAL>B{>PGAA0|B6K.1PG>LBG>?.P>BO.JKB0>BFJ O>>y>LP?BAL1EBFLPBO>B7-GG>LJB?KFG>BAL>B{>PGAA0|
77C25C2579B2L7<BvM
2 G>LJ>PBKA-?>B0FEB{>B/A.L/BALBJK>B0FGy>JBL>QJBE>FG 77C:C2579B77L54BuM
8 RBKFw>BJOAB{AE?BO.JKB?3>7.F1BL>>P? 75C3C2579B9L72BuM
9 1.w.L/B.LBFB0AG>B>Lw.GAL0>LJF1B7A00-L.JE 75C8C2579B7L8<BuM
2<BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:LJ;YG>N;I=>?;XG>;G=F?>G=HI;N>>I;X= A=M>P
LN?Q>C>IR;L3; TUKVV>IR;7R
U>??;XG@N;L E>@C?
LPJ;E>@C?
JP4S;E>@C?
4S;E>@C?;Q
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
I>??BJKFLB2BE>FG? 7S58R6 79
2D:BE>FG? 395436 <
:D75BE>FG? S5SS6 5
75BE>FG?BH S5SS6 5
W=X@H L3
85BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:L7;YG>C>;Q=FHI;XG>;G=F?>G=HI;HKU>;X= HKM>P
LN?Q>C>IR;LK; TUKVV>IR;77
G=N?X@NXKN>
T>Q=CO@N
N=CXG;Z@M@?
LNEQG>C> QKXGKN;XG>555
VFX?KI>;=D;XG> V@CK?G
56 756 256 856 956 :56 456 ;56 356 <56 7556
W=X@H
LN?Q>C;GG=KH>?
6AL?JFLJ.L>
2>OAG/FL
vAGJKB@FwF?
uLEOK>G>BO.JK.LBJK>B3FG.?K
N-J?.P>BA5BJK>B3FG.?K
KJ5836
S5SS6
85336
K457R6
K54R6
I>?V=N?>?
77
5
2
75
7
LK
87BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:LR;YG@X;XEV>;=D;G=F?KNO;K?;A=?X;?FKX@BH> D=C;XG>;G=F?>G=HI;N>>IP
LN?Q>C>IR;LL; TUKVV>IR;78
LDD=CI@BH> C>NX;[C>NX>I555
TG@C>I =QN>C?GKV;[V555
TNX>CA>IK@X> ?@H>;[IK?H=F555
T>HDBFKHI;X= =QN
T>HDBFKHI;D=C C>NX
NCKM@X>;C>NX>I
VV>N;A@CU>X
56 756 256 856 956 :56 456 ;56 356 <56 7556
W=X@H
LN?Q>C;GG=KH>?
u55AGPF{1>BG>LJB�G>LJ>PBKA-?.L/BJKGA-/KBFBtA-?.L/Bu??A7.FJ.ALBAGB6A-L7.1K
2KFG>PBAOL>G?K.3B�3FGJB{-EB3FGJBG>LJ�BLAG0F11EB3GAw.P>PB{EBFBtA-?.L/Bu??A7.FJ.ALK
RLJ>G0>P.FJ>B?F1>B�P.?7A-LJB5GA0BA3>LB0FGy>J�BLAG0F11EB3GAw.P>PB{EBFB3G.wFJ>BP>w>1A3>GK
2>15{-.1PBJABAOL
2>15{-.1PB5AGBG>LJ
vG.wFJ>BG>LJ>P
N3>LB0FGy>J
4357K6
LL5R36
485486
KJ5KJ6
S5SS6
S5SS6
S5SS6
I>?V=N?>?
8
:
9
75
5
5
5
LL
Z
7
2
8
9
VXG>C;[VH>@?>;?V>HKDE\
vA??.{1EB7AL?.P>GBFLEBA5BJK>BF{Aw>|
u55AGPF{1>BKA0>BJAB{-EBF5J>GB7;BE>FG?BG>LJ.L/B.LBFLPBFGA-LPBJK>BvFG.?K
2KFG>PB>S-.JE
F55AGPF{1>BG>LJ�B?>15{-.1PBJABAOL�B?>15{-.1PB5AGBG>LJ�B3G.wFJ>BG>LJ>P�
<@X>
77C25C2579B2L27BvM
77C8C2579B3L99BuM
75C3C2579B9L78BuM
75C2C2579B4L73BuM
82BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:L8;M=Q;A@NE;B>IC==A?;I=>?;XG> G=F?>G=HI;N>>I;X=;@HH=AA=I@X>;XG>
G=F?>G=HI;A>AB>C?;A=MKNO;QKXG;XG>AP
LN?Q>C>IR;LK; TUKVV>IR;77
4
L
3
K
JQ
56 756 256 856 956 :56 456 ;56 356 <56 7556
W=X@H
LN?Q>C;GG=KH>?
7
2
8
9
:H
85336
L954R6
JS5SS6
4L5JS6
S5SS6
I>?V=N?>?
2
;
72
8
5
LK
88BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:L9;<=>?;XG>;G=F?>G=HI;N>>I;@IIKXK=N@H B>IC==A[?\;X=;VC=MKI>;>RXC@;?V@H>P;NH>@?>
?>H>HX;@HH;XG@X;@VVHE5 LN?Q>C>IR;LL; TUKVV>IR;78
Z=
Y>?_;?G@C>I HF?X=IE;=D555
Y>?_;T ?=A>XKA>?;N>555
Y>?_;T;N>>I;@ ?V@C>;C==A;D555
Y>?_;T;N>>I ?V@H>;X=;Q=C555
56 756 256 856 956 :56 456 ;56 356 <56 7556
W=X@H;I>?V=NI>NX?R;LL
LN?Q>C;GG=KH>?
@A
=>?�B?KFG>PB7-?JAPEBA5B7K.1PBAGB7K.1PG>L
=>?�BRB?A0>J.0>?BL>>PB?A0>AL>BJAB?JFEBO.JKB0>BJAB3GAw.P>B7FG>BCB?-33AGJ
=>?�BRBL>>PBFB?3FG>BGAA0B5AGB5G.>LP?BFLPB5F0.1EBJABw.?.J
=>?�BRBL>>PB?3F7>BJABOAGyB5GA0BKA0>
LL5R36
95S96
S5SS6
7357K6
KJ5KJ6
I>?V=N?>?
:
2
5
79
75
;
Z
7
2
VXG>C;[VH>@?>;?V>HKDE\
F?BFPA3J>>?�B.5B?.{1.L/?BFG>B{AGLBJAB{.GJKB5F0.1EBJK>EBO.11B{>B31F7>PBO.JKB-?BKAO>w>GBAL1EB.5BO>BKFw>BFBJK.GP
{>PGAA0
uGJ.?J
<@X>
77C75C2579B77L9;BuM
75C3C2579B9L74BuM
89BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:3S;<=>?;@NE=N>;KN;XG>;G=F?>G=HI;G@M> ?V>HKDKH;G=F?KNO;C>JFKC>A>NX?P;NH>@?>
?>H>HX;@HH;XG@X;@VVHE5 LN?Q>C>IR;LS; TUKVV>IR;RS
Z=
LI@VX>I;D=C QG>>HHG@KC
LHH=AA=I@XK=N =N;XG>;OC=FN555
VHI>C;V>C?=N? @HH=AA=I@XK=N
56 756 256 856 956 :56 456 ;56 356 <56 7556
W=X@H;I>?V=NI>NX?R;LS
LN?Q>C;GG=KH>?
@A
uPF3J>PB5AGBOK>>17KF.G
u77A00APFJ.ALBALBJK>B/GA-LPB51AAG
N1P>GB3>G?AL?BF77A00APFJ.AL
9S5SS6
S5SS6
J5SS6
J5SS6
I>?V=N?>?
73
5
7
7
;
Z
7
VXG>C;[VH>@?>;?V>HKDE\
tFw>BFB?ALBO.JKBFBGFG>B/>L>J.7BP.?AGP>G|BuLPBK>T?BPE?3GFQ.7|B}ABEA-BG>S-.G>BJK>BJA.1>JBPAOL?JF.G?BFLPB3A??.{1E
FB{>PGAA0|B~AJKB{AE?BL>>PBJAB{>B?>3FGFJ>PB{>7F-?>BA5BJK>.GB?3>7.F1DL>>P?B?AB.JT?B.03A??.{1>B5AGBJK>0BJA
?KFG>BFBGAA0|
<@X>
75C3C2579B9L74BuM
8:BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:34;TD;VFCHG@?KNO_;QG@X;K?;XG>;A@RKAFA VCKH>;C@NO>;XG>;G=F?>G=HI;H@N;@DD=CIP
LN?Q>C>IR;LS; TUKVV>IR;RS
<=;N=X;QK?G;X= VFCH@G?>
SNI>C;T8S_SSS
T84_SSS;P T4SS_SSS
T4S4_SSS;P T4LJ_SSS
T4L7_SSS;P T4JJ_SSS
T4J7_SSS;P TLSS_SSS
TLSS_SSSQ
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
S5SS6 5}ABLAJBO.?KBJAB3-G7FK?>
4J5SS6 8PLP>GBU35�555
LS5SS6 9U37�555BDBU755�555
LJ5SS6 :U757�555BDBU72:�555
3S5SS6 4U724�555BDBU7::�555
J5SS6 7U7:4�555BDBU255�555
J5SS6 7U255�555H
W=X@H LS
84BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:3L;TD;C>NXKNO_;QG@X;K?;XG>;A@RKAFA A=NXGHE;C>NX;XG>;G=F?>G=HI;H@N;@DD=CIP
LN?Q>C>IR;4R; TUKVV>IR;R3
<=;N=X;QK?G;X= C>NX
SNI>C;TKSS;VHA
TKSS;P;TJSS;VHA
TJS4;P;T7SS;VHA
T7S4;P;TRSS;VHA
TRS4;P;T8SS;VHA
T8SS;VHA;Q
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
}ABLAJBO.?KBJABG>LJ J5886 7
PLP>GBU955B370 J5886 7
U955BDBU:55B370 KR5S76 3
U:57BDBU455B370 L35J36 9
U457BDBU;55B370 445R76 2
U;57BDBU355B370 J5886 7
U355B370BH S5SS6 5
W=X@H 4R
8;BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:33;TD;E=F;@C>;KNX>C>?X>I;KN;?>HDBFKHIKNO_ G=Q;AFHG;H@?G;I>V=?KX;H=FHI;E=F;C@K?>P
LN?Q>C>IR;47; TUKVV>IR;RK
Z I>?V=N?>? <@X>
7 U75�555 77C25C2579B2L22BvM
2 25�555 77C77C2579B4L:;BuM
8 U25�555 77C75C2579B77L93BuM
9 755�555 77C:C2579B77L75BuM
: x7<BDBxAABP.55.7-1JBJABFL?O>GBFJBJK.?B0A0>LJBO.JKA-JBFLB-LP>G?JFLP.L/BA5B0AGJ/F/>?B�JK>BPGA3PAOLB{AQBPA>? 77C8C2579B3L:4BuM
LAJBF11A>BEA-BJABP>1>J>BFLB>LJ>G>PB.J>0yK
4 :�555 75C2;C2579B3L2:BuM
; U8555 75C79C2579B77L:;BuM
3 75555 75C77C2579B4L:;BuM
< :555 75C3C2579B75L:3BuM
75 U25|555 75C3C2579B9L7;BuM
77 7:555 75C4C2579B:L2;BuM
72 U:5y 75C8C2579B4L78BuM
78 25�555 75C8C2579B7L97BuM
79 U:555 75C2C2579B7L98BvM
7: PALJByLAO 75C2C2579B4L25BuM
74 U8555 75C2C2579B8L53BuM
83BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:3K;T?;XG>;G=F?>G=HI;=N;XG>;G=FNHKH`? M=A>GG=KH>;@NIW=C;T=FXG;Y>?X;M=A>?
C>OK?X>C?P
LN?Q>C>IR;L4; TUKVV>IR;79
Y>?_ M=A>GG=KH>555
Y>?_;M>HV;W= ]FE;T=FXG;Y>555
Y>?_;B=XG
Z>KXG>C
56 756 256 856 956 :56 456 ;56 356 <56 7556
W=X@H
LN?Q>C;GG=KH>?
=>?�BtA0>6KA.7>B�G>LJ>PB3GA3>GJ.>?BJKGA-/KBFBtA-?.L/Bu??A7.FJ.ALB�tuKBAGB6A-L7.1K
=>?�Bt>13BxAB~-EB2A-JKBM>?JB�?KFG>PBAOL>G?K.3B�tuKBFLPCAGB.LJ>G0>P.FJ>B?F1>BJKGA-/KBFB3G.wFJ>BP>w>1A3>GK
=>?�B{AJK
@>.JK>G
495SJ6 9
495SJ6 9
S5SS6 5
7459S6 78
L4
I>?V=N?>?
8<BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:3J;NH>@?>;VC=MKI>;E=FC;C>OK?XC@XK=N NFAB>C5
LN?Q>C>IR;8; TUKVV>IR;8L
LN?Q>C;GG=KH>? I>?V=N?>?
tA0>6KA.7> 7L5JS6 :
t>13BxAB~-EB2A-JKBM>?J 7L5JS6 :
Z M=A>GG=KH> <@X>
7 t42;7;;D7 77C25C2579B2L92BvM
2 8257: 77C75C2579B77L:5BuM
8 zzzz 77C7C2579B72L:4BvM
9 388:2 75C79C2579B77L:3BuM
: 3234< 75C75C2579B8L:8BuM
Z M>HV;W=;]FE;T=FXG;Y>?X <@X>
7 95543887 77C77C2579B3L5;BuM
2 zzzz 77C7C2579B72L:4BvM
8 95549:87 75C22C2579B75L:;BvM
9 9554;;43 75C79C2579B77L:3BuM
: 9554;:;5 75C3C2579B75L:<BuM
95BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:37;Y=FHI;E=F;?FVV=CX;@N;@DD=CI@BH> G=F?KNO;H>I;I>M>H=VA>NX_;X=;G>HV;A>>X;XG> N>>I?;=D;H=H@H;V>=VH>;QKXG;@;H=NN>HXK=N;X=
XG>;N@CK?GP
LN?Q>C>IR;R7; TUKVV>IR;4K
Y>?
Z=
O@EB>
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
785KL6 =>? :2
4S5J36 @A 3
L45SJ6 MFE{> 74
W=X@H R7
Z NH>@?>;VC=MKI>;C>@?=N?;D=C;E=FC;C>?V=N?> <@X>
7 ~>7F-?>B.JT?BP.55.7-1JB5AGBEA-L/B3>A31>BJAB/>JBALBJK>BKA-?.L/B1FPP>G 72C7C2579B8L25BuM
2 RLBFPP.J.ALBJAB0EBAOLB7.G7-0?JFL7>?BRBF0BFOFG>BA5BFBL-0{>GBA5BL>./K{A-G?BFLPB5G.>LP?BOKABFG>B.LB?.0.1FG 77C25C2579B2L99BvM
L>>P|BNL>BA5B0EBL>./K{A-G?BOKAB/G>OB-3B.LBJK>Bw.11F/>BKF?Bz-?JBKFPBJAB0Aw>BJABt>1?JALB{>7F-?>BJK>EBO>G>
-LF{1>BJABF55AGPBJAB?JFEB.LBJK>Bw.11F/>|
8 {>GEB1.0.J>PBFwF.1F{.1.JEBA5B1A7F1BF55AGPF{1>BKA-?.L/ 77C73C2579B77L2;BuM
9 vGAw.P.L/BJK>EBFG>BJG-1EB1A7F1yBRB5>>1BJKFJB?A0>BA5BJK>B754B7G.J>G.FB5FwA-GBLALB1A7F1?BOKABG>?.P>B.LBJK>BFG>F 77C7;C2579B9L57BuM
GFJK>GBJKFLBJKA?>BJG-1EB1A7F1BOKABKFw>BKFPBJAB{-EBA-JBA5BJK>Bw.1F/>BFLPBFG>BLAOB-LF{1>BJAB0Aw>B{F7yBF?BJK>
1A7F1BL>>P?B7G.J>G.FBFG>B{.F?BF/>.L?JBJK>0|BtAOBF{A-JB?>7ALPBJ.0>B3-G7KF?>G?B1A7F1BL>>P?BKA-?>?'
: xK>G>B.?BFBG>F1BFLPB?./L.5.7FLJBL>>PB5AGB0AG>BF55AGPF{1>BKA-?.L/B.LBJK>BvFG.?K|B=A-L/B3>A31>B>?3>7.F11EBFG> 77C77C2579B3L77BuM
{>.L/B5AG7>PBJAB1>Fw>�BJAB5.LPBF1J>GLFJ.w>BKA-?.L/B.LBAJK>GBFG>F?|BxK.?BO.11BF55>7JBJK>B1AL/DJ>G0Bw.F{.1.JEBA5BJK>
w.11F/>|
4 u?BFB5F0.1EBO>BOFLJBJAB?JFEB.LBJK>Bw.11F/>BFLPB7-GG>LJB3G.7>?BFG>BJABK./KB5AGB{AJKBG>LJBFLPBFB0AGJ/F/>|BJK> 77C75C2579B77L:2BuM
F0A-LJBA5B3GA3>GJ.>?BFG>BF1?AB1.0.J>PBP->BJAB{>.L/B3G.7>PBA-JBA5BJK>B0FGy>JB{EB1A7F1B1FLP1AGP?BFLPB?>7ALP
KA0>BAOL>G?|
; }>w>1A30>LJB?KA-1PBAL1EBJFy>B31F7>B.L?.P>BJK>Bw.11F/>B{A-LPFGEBF?BPGFOLB-3B{EB3F?JB6A-LJEB31FL?|BuLEB1FG/> 77C75C2579B8L88BuM
P>w>1A30>LJBOA-1PBFPw>G?>1EBF55>7JBJK>B7A00-L.JEBJKFJB>Q.?J?B.LB6AL?JFLJ.L>B{.11F/>|B@>OBKA-?.L/BAL1EBJAB{>
1>JBJAB6AL?JFLJ.L>BvFG.?K.AL>G?|
3 xABy>>3BEA-L/B3>A31>B.LBJK>Bw.11F/>BF1?AB5AGBA1PB3>A31>BJAB{>B.LBJK>B7A00-L.JE 77C75C2579B8L73BuM
< IA7F1B3>A31>BFLPBAL1EBF55AGPF{1> 77C75C2579B8L54BuM
75 xK>B.L5GF?JG-7J-G>BA5BJK>Bw.11F/>BOA-1PBKFw>BJAB{>B.03GAw>PBJAB?-33AGJB0AG>BKA-?.L/ 77C75C2579B2L85BuM
97BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
77 2-{z>7JBJAB.JB{>.L/B.LBFB?-.JF{1>B1A7FJ.AL| 77C;C2579B<L79BuM
72 RJB?>>0?Bw>GEB.03AGJFLJBJABKFw>BFB3>G7>LJF/>BA5BF55AGPF{1>BKA0>?BFLPB>w>LB0AG>B.03AGJFLJBJKFJBJK>?>BKA0>?
FG>BFwF.1F{1>BJAB3>A31>BO.JKB7ALL>7J.AL?BJABJK>BFG>F| 77C8C2579B<L57BuM
78 xAB0>>JBL>>P?BA5B1A7F1B3>A31>BOKAB7FLLAJBF55AGPB0FGy>JB3G.7>?BFLPBKFw>B1AOBOF/>?BAGB3>L?.AL?| 77C7C2579B7L57BvM
79 }>3>LP>LJBALB?.(>B3A?.J.ALB>J7 75C85C2579B<L7:BuM
7: vFG.?KB6A-L7.11AG?BKFw>BFGGFL/>PBJOAB3G>w.A-?BKA-?.L/B?7K>0>?B.LB3F?JB25BE>FG?| 75C23C2579B9L9;BuM
74 vGA{F{1EBE>?B{-JBP>3>LP>LJBALBOK>G>BJK>BKA-?>?BOA-1PB{>| 75C23C2579B9L98BuM
7; xAB3GAw.P>BEA-L/B3FG.?KAL>G?BO.JKBF77A00APFJ.ALBFLPB>L7A-GF/>BJK>0BJAB?JFE 75C23C2579B8L2;BuM
73 MKFJB.?BJK>BP>5.L.J.ALBA5B1A7F1'BRByLAOBA5B0FLEBJG->B1A7F1?BOKABOA-1PB1.y>BF77A0APFJ.ALB{-JBJK>EB7FLLAJB/>JB.J| 75C2;C2579B<L52BuM
7< xAAB0FLEB?>7ALPBKA0>?B.LBJK>BFG>FBFLPB-LF55AGPF{1>B5AGB1A7F1B7A00-L.JE 75C2;C2579B3L23BuM
25 {RIIu�OBxNB2MuIIBO@NP�tBtNP2R@�BuI4Ou}= 75C29C2579B4L8;BuM
27 xK.?BOA-1PB0>>JBJK>BL>>P?BA5BFBL-0{>GBA5B5F0.1.>?BOKAB1.w>B.LBJK>B3FG.?KBFLPBO.?KBJAB?JFEBK>G>�BOK.1>BF1?A
KFw.L/BJK>B3AJ>LJ.F1BJAB3GAw.P>B0-7KBL>>P>PB{-?.L>??B5F7.1.J.>?BFLPBAJK>GB7A00-L.JEB?3F7>?| 75C22C2579B75L:<BvM
22 xAB?-33AGJBJK>Bw.11F/> 75C22C2579B;L24BuM
28 RB{>1.>w>BJK>G>B.?BFB?KAGJF/>BA5B/AAPBS-F1.JEB1AOB0F.LJ>LFL7>BKA-?.L/BFJBG>F?ALF{1>BG>LJBAGB3G.7> 75C79C2579B<L52BuM
29 RJB?B>??>LJ.F1BJABP>w>1A3BFBG>?.1.>LJ�B?-?JF.LF{1>B7A00-L.JEBFLPBJABK>13BEA-L/>GB3>A31>B5.LPBKA-?.L/BL>FGBJK>G 5F0.1.>?COAGyB>J7|
75C78C2579B8L28BuM
2: 2A0>BE>FG?BF/ABFBvFG.?KBv1FLBOF?B7AL?JG-7J>PBOK.7KB?KAO>PBFB71>FGBL>>PB5AGB0AG>BF55AGPF{1>BKA0>?|B2.L7>
JKFJBJ.0>B5FGB5>O>GBJKFLBO>G>BL>>P>PBKFw>B{>>LB{-.1J| 75C72C2579B4L83BuM
24 �AGB?-?JF.LF{.1.JEBA5BJK>B7A00-L.JE)BEA-L/�B>1P>G1E�B>031AE>PBFLPB-L>031AE>P�B>?3>7.F11EB.5BJK>G>B.?BFB{-?
GA-J>BFLPB?KA3?BO.JK.L
75C72C2579B4L87BuM
2; RL7G>F?>B.LBKA-?>B3G.7>?B.LB?-GGA-LP.L/BFG>FBFLPBLAB.L7G>F?>B.LB?F1FGEBJABF55AGPBFB0AGJ/F/>|BRBOAGyB5AGBJK>
@t2BF?BFBy>EBOAGy>G 75C77C2579B;L55BuM
23 xK>G>B.?BL>>PB5AGB0AG>BF55AGPF{1>BKA-?.L/�B.B{>1.>w>BJK>G>BFG>BAJK>G?BOKABOA-1PB1Aw>BJAB{>BF{1>BJAB0Aw>B{F7y
KA0>B{-JB7FLTJBF55AGPBJAB.LBJK>B7-GG>LJB3G.wFJ>BG>LJF1B0FGy>J| 75C75C2579B8L::BuM
2< xK>G>B.?BFB7GE.L/BL>>PB5AGBF55AGPF{1>BKA-?.L/BJKGA-/KA-JB6AGLOF11�B.L71-P.L/BA-GB3FG.?K 75C<C2579B7L78BuM
85 N-GBw.11F/>BKF?Bw>GEB1.JJ1>BJG-1EBF55AGPF{1>BKA-?.L/|BMFLEB3>A31>BFG>B7F-/KJB.LBJK>B3G.wFJ>DG>LJ>PB0FGy>J 3FE.L/BK./KBG>LJ?B{>7F-?>BJK>EBPABLAJBS-F1.5EB5AGB?A7.F1BG>LJ>PBKA-?.L/B�AGB.JBPA>?BLAJB0>>JBJK>.GBL>>P?KBFLP
JK>EB7FLLAJBF55AGPBJAB{-EBFBKA0>BALBJK>BA3>LB0FGy>J|BuB7A00-L.JED1>PBKA-?.L/BP>w>1A30>LJBOA-1PB{>Bw>GE
O>17A0>|
75C3C2579B77L5:BuM
87 Ow>LBJKA-/KBRBKFw>B1.w>PB.LBJK.?Bw.11F/>B5AGB-LP>GB8BE>FG?B0EB7K.1PG>LBKFw>B{>>LBGF.?>PBK>G>BFLPBKFw>B{>>LBFJ JK>B3>GB?7KAA1BFLPB?7KAA1B5GA0BJK>B{>/.LL.L/|BRB7A-1PLTJB5.LPBFLBF55AGPF{1>B3GA3>GJEBJABG>LJB?ABRB1.w>PBz-?J A-J?.P>|BRBKFw>BLAB5F0.1EBK>G>BAL1EB.LB3>L(FL7>B?ABJK>B5G.>LP?BRBKFw>B.LBJK>Bw.11F/>BFG>B0EBGAAJ?BFLPB?-33AGJ L>JOAGyBOK.7KBK>13?B0>BJAB7A3>BO.JKBJK>B7A031>Q.JEBA5B?3>7.F1BL>>P?BA5B0EB7K.1PG>L|BRBOA-1PB?-33AGJBFLEAL>
OKABOA-1PB1.y>BJAB0Fy>BJK.?BKF33EBw.11F/>BJK>.GBKA0>|
75C3C2579B9L28BuM
82 R5|BxK>G>BOF?BFB/>L-.L>BL>>PB5AGB1A7F1B3>A31>BO.JKA-JB?3A.1.L/BJK>BF0>L.J.>?B.LBJK>Bw.11F/>BF1G>FPEBK>G>| 75C3C2579B72L2:BuM
88 xK>G>B.?B>LA-/KBKA-?>?B.5BEA-B?JA3B.L7A0>G?B{-E.L/BJK>BKA-?>BFJBK./K>GB3G.7>? 75C;C2579B;L72BuM
89 tA-?>B3G.7>?B.LBJK>B3FG.?KBFG>BLAJBF55AGPF{1>B5AGB1A7F1BOF/>?�BJK.?BL>>P?BJAB{>BFPPG>??>P| 75C;C2579B2L:<BuM
8: }>3>LPFLJBALB.J?B1A7FJ.AL|Bu1?AB.L7G>F?>PB7ALJGA1BA5BJK>B1FG/>BL-0{>GBA5B0A{.1>BKA0>?BJKFJBFG>BF33>FG.L/B.L
5.>1P?BF11BFGA-LPBJK>BFG>F| 75C4C2579B4L97BuM
84 tA-?.L/B.?BJAAB>Q3>L?.w>B5AGBA-GB7K.1PG>LBLAOBFLPB0AG>B?AB.LBJK>B5-J-G>B.5BOF/>?BPABLAJBG.?>�BKA1.PFEBKA0>?
KFw>BJK>.GB3GA{1>0?BF?BO>B1.w>B.LBFBJA-G.?JBFG>F| 75C:C2579B72L:4BvM
8; }>3>LP>LJBALBJK>BJE3>BFLPBL-0{>GBA5B3GA3>GJ.>?B{>.L/B7AL?.P>G>P| 75C:C2579B9L75BuM
83 xK>G>B.?B>LA-/KBKA-?>T?B.LB6AL?JFLJ.L>B.5BJK>EBFG>By>3JB5AGB1A7F1B3>A31>BLAJB.L7A0>G? 75C9C2579B<L24BuM
8< IF7yBA5BJGFL?3AGJB1.Ly?|BuO5-1BGAFPBL>JOAGyBJABw.11F/>|BvAJKA1>?BJKFJBL>w>GB/>JB5.Q>P|BxAAB0-7KBJGF55.7BF1G>FPE
ALBJK>Bw>GEBLFGGAOB1FL>?|B{.11F/>B/>J?B7-JBA55B.LB{FPBO>FJK>G| 75C8C2579B4L83BuM
95 RJB.?B>w.P>LJB.LBJK>Bw.11F/>BJKFJB0FLEB1A7F1?BKFw>B0Aw>PBA-JB{>7F-?>BA5B1F7yBA5BF77A00APFJ.AL| 75C8C2579B2L98BuM
97 xAB3GAw.P>B0-7KBL>>P>PBKA-?>?B5AGBA-GB7A00-L.JEBFLPBJAB>L?-G>BJK>B7ALJ.L->PBw.F{.1.JEBA5BJK>BvFG.?K| 75C8C2579B7L:4BuM
92BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
92 RBOA-1PBL>>PBF??-GFL7>BJKFJBJK.?BOA-1PBLAJB0AG3KB.LJAB7G>>3.L/B-G{FLBP>w>1A30>LJ|BRBPABLAJBOFLJBJK>Bw.11F/>
7KFGF7J>GBFLPBG-GF1B>Lw.GAL0>LJBJKFJBO>B>LzAEBJAB{>B7A03GA0.?>P| 75C8C2579B7L:7BuM
98 RLB7ALz-L7J.ALBO.JKBJGFL?.J.ALBJAOL?BA{z>7J.w>?�BJK.?BOA-1PB?>Gw>BF?BFB0AP>1B5AGB5-J-G>B?-?JF.LF{1>
7A00-L.J.>?
75C8C2579B7L98BuM
99 }>3>LP?B-3ALB?.J>BFLPB.5BJK>EBFG>B>7ABKA0>? 75C2C2579B3L89BuM
9: P>3>LP?BALB1A7FJ.AL 75C2C2579B4L9<BuM
94 }>3>LP?BALBS-F1.JE�B?-?JF.LF{.1.JE�B1A7FJ.AL�B>J7 75C2C2579B4L22BuM
9; RLBJK>BG./KJB1A7FJ.AL 75C2C2579B:L:3BuM
93 xAAB0FLEB3>A31>B5GA0B-3B7A-LJGEBKFw>BG>D1A7FJ>PBJAB6AGLOF11|BRJB.?B{>.L/BG-.L>PB{EBAw>GBP>w>1A30>LJB|=A-7FLTJBKFw>BAw>G3A3-1FJ.ALBFLPBJA-G.?0|B6AGLOF11B.?B5-11yB~-.1PB0AG>BKA-?>?BO>BO.11B?>>B>w>LB0AG>B3>A31>| MAw>B{F7yBJABOK>G>BEA-B7F0>B5GA0|
75C2C2579B:L55BuM
9< M>BL>>PB0AG>BKA-?.L/B3GAJ>7J>PB5AGB1AOBOF/>B>FGL>G? 75C2C2579B9L29BuM
98BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:3R;M=Q;A@NE;N>Q;G=A>?;Q=FHI;E=F ?FVV=CX;B>KNO;BFKHXP
LN?Q>C>IR;RK; TUKVV>IR;47
Z=N>
4P4S
44PLS
L4P3S
34PKS
K4Q
<=N`X;AKNI
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
@AL> 95K76 ;
7D75 LJ5786 7<
77D25 3L5K36 29
27D85 95K76 ;
87D95 J5K46 9
97H L5RS6 2
}ALTJB0.LP 4K5876 77
W=X@H RK
99BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:38;YG@X;XEV>[?\;=D;I>M>H=VA>NX;Q=FHI E=F;?FVV=CXP;NH>@?>;XKHU;@HH;XG@X;@VVHE5
LN?Q>C>IR;RJ; TUKVV>IR;4J
Z=N>
LDD=CI@BH> C>NX>I;G=A>?
VHI>C`? V>C?=N`?555
LDD=CI@BH> G=A>?;X=555
VV>N;A@CU>X G=F?KNO
LHH;=D;XG> @B=M>
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
@AL> 4S57R6 3
u55AGPF{1>BG>LJ>PBKA0>? JR5336 98
N1P>GT?B3>G?ALT?BF77A0APFJ.AL KL57R6 82
u55AGPF{1>BKA0>?BJAB3-G7KF?> 785SS6 :7
N3>LB0FGy>JBKA-?.L/ 757R6 :
u11BA5BJK>BF{Aw> 4S57R6 3
W=X@H;I>?V=NI>NX?R;RJ ;
Z VXG>C;[VH>@?>;?V>HKDE\ <@X>
7 2>15B{-.1P 77C25C2579B2L99BvM
2 2>15D{-.1P�BF?B1AL/BF?B5AGB3>G0FL>LJBA77-FL7EB�.|>|BLAJB?>7ALPBKA0>?K 77C77C2579B3L77BuM
8 ?>15B{-.1P? 77C:C2579B77L78BuM
9 LAB0AG>BJKFLB755BKA-?>?B.LBJAJF1BO.JK.LBJK>B3FG.?K 77C7C2579B7L57BvM
: ~-.1P.L/B31AJ?BJAB1A7F1? 75C2;C2579B<L52BuM
4 PFEB7>LJG>B5AGBJK>B>1P>G1E�BFGJB/F11>GE|BOAGy?KA3?B5AGB1A7F1B7GF5J?C{-?.L>??>?B>J7 75C78C2579B8L28BuM
; }>3>LP?BOK>G>|BxK>BJE3>BA5B3GA3>GJEB0-?JB{>B7A03FJ.{1>BO.JKB.JT?B.00>P.FJ>B1A7F1.JE�B>w>LBO.JK.LBFBw.11F/>| 75C8C2579B7L:7BuM
@AJBAL1EB.JT?Bw.?-F1B5AAJ3G.LJ�B{-JB.5BL>77>??FGE�B.JT?BF77>??BJAB?>Gw.7>?�BFLPBF0>L.J.>?|
9:BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:39;TD;@;G=F?KNO;I>M>H=VA>NX;H=FHI;KNHHFI> Q=CU?V@H>?;D=C;C>NX_;QG@X;XEV>;=D;?V@H> AKOGX;KNX>C>?X;E=FP;NH>@?>;XKHU;@HH;XG@X
@VVHEP
LN?Q>C>IR;R4; TUKVV>IR;49
VDDKH>;?V@H>
Y=CU?G=V?
LCX?;L;GC@DX? ?V@H>
VXG>C H=AA>CHK@H555
Z=;Q=CU?V@H> N>>I>I
56 756 256 856 956 :56 456 ;56 356 <56 7556
W=X@H;I>?V=NI>NX?R;R4
LN?Q>C;GG=KH>?
N55.7>B?3F7>
MAGy?KA3?
uGJ?B*B6GF5J?B?3F7>
NJK>GB7A00>G7.F1B?3F7>
@ABOAGy?3F7>BL>>P>P
4J5K96
3J5L46
L854R6
4K5S86
JS5RS6
I>?V=N?>?
77
2:
25
75
84
;
94BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:KS;TD;E=F;@C>;KNX>C>?X>I;KN;@NE;UNKI;=D Q=CU?V@H>_;G=Q;AFHG;Q>>UHE;C>NX;H=FHI
E=F;@DD=CIP
LN?Q>C>IR;LS; TUKVV>IR;RS
Z I>?V=N?>? <@X>
7 755 77C77C2579B3L7:BuM
2 U:5D755 77C75C2579B77L:8BuM
8 P>3>LP?BALB?.(>BFLPBF0>L.J.>? 77C:C2579B77L7:BuM
9 U795B5AGB0.L.0-0BA5B?>w>LJEB?S-FG>B0>JG>? 77C7C2579B7L72BvM
: U9: 75C85C2579B8L:;BuM
4 U85 75C2;C2579B2L:3BvM
; U:5 75C2;C2579B3L23BuM
3 U:5 75C79C2579B<L52BuM
< G>LJ.L/BFB{.//>GB?3F7>BA77F?.ALF11EB5AGB?3>7.5.7B3GAz>7J? 75C78C2579B8L29BuM
75 U:5 75C77C2579B;L57BuM
77 :5 75C3C2579B77L54BuM
72 U85BJAB?JFGJBA55BO.JKB-LJ.1B>?JF{1.?K>PB71.>LJ?BO>G>BJK>G>| 75C3C2579B9L29BuM
78 95|55BFBO>>y 75C;C2579B;L78BuM
79 U:5B3OB0FQ.0-0 75C:C2579B9L77BuM
7: U95|55 75C9C2579B<L2;BuM
74 U2: 75C8C2579B:L:8BuM
7; :5 75C8C2579B7L98BuM
73 F?B1.JJ1>BF?B3A??.{1> 75C2C2579B4L28BuM
7< 45 75C2C2579B8L88BuM
25 :5 75C2C2579B8L24BuM
9;BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:K4;<=;E=F;=QN;=C;UN=Q;=D;@NE;H@NI;XG@X A@E;B>;?FKX@BH>;D=C;G=F?KNO;I>M>H=VA>NXP
LN?Q>C>IR;RK; TUKVV>IR;47
Y>?
Z=
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
=>? 435J46 75
@A 875K96 49
W=X@H RK
Z TD;E>?_;VH>@?>;VC=MKI>;DFCXG>C;I>X@KH?;=C;@;?KX>;@IIC>?? <@X>
7 u?B?KAOLBALBJK>Bw.11F/>B31FL 77C75C2579B8L88BuM
2 �-GJK>GBP>w>1A30>LJBALB?.J>BFJBv>L{AJKP.LAB61A?>BF?B>QJ>L?.ALBA5B1F?JB?7K>0>BA5B3BKA0>?B{EBtA-?.L/ 75C23C2579B9L93BuM
u??A7.FJ.ALDB1FLPBAOL>PB{EBMGB}-L?JFLB5FG0>G
8 @AGJKBO>?JB7AGL>GBA5BJK>Bw.11F/>BA33A?.J>BJK>B?7KAA1B{EBMK>F1B{EwEFLB1AO>GB>LPBA5BJK>Bw.11F/>BOK>G>BJK>G>B.? 75C23C2579B8L2;BuM
F1G>FPEBP>w>1A30>LJ
9 IFLPBP>?./LFJ>PB{EB6AGLOF11B6A-L7.1B-LP>GBJK>B6A-LJEB?JG-7J-G>B31FLB5AGBP>w>1A30>LJB.LB6AL?JFLJ.L>| 75C79C2579B72L57BvM
: @FL?BuwF1ALBKF?B31FLL.L/B3>G0.??.ALB5AGBJKG>>BKA-?>?�BF1JKA-/KBLAJBF55AGPF{1>�BFLPBKF?B{>>LBP>G>1.7JB5AGBF 75C72C2579B4L95BuM
L-0{>GBA5BE>FG?|
4 MK>F1B{EwEFL|BxG>{FGwFKBKA-?>BFJBO>?JB>LPBA5Bw.11F/>|B~A?FKFLBS-FGGE 75C77C2579B;L52BuM
; 5.>1PB{EBJK>B?7KAA1| 75C75C2579B8L:;BuM
3 �.>1PB?.J>BFJB~G.11OFJ>GB6AL?JFLJ.L>| 75C8C2579B2L58BuM
< 2JA3B{-.1P.L/BKA-?>?|BxAAB0FLEB3>A31>BF1G>FPE|BxK>B?7KAA1B.?BF1G>FPEB5-11|B=A-BO.11BG-.LBJK>BFG>F| 75C2C2579B:L57BuM
93BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:KL;M=Q;I=;E=F;I>?HCKB>;E=FC;O>NI>CP
LN?Q>C>IR;R4; TUKVV>IR;49
O@H>
S>A@H>
WC@N?O>NI>C
56 756 256 856 956 :56 456 ;56 356 <56 7556
W=X@H
LN?Q>C;GG=KH>?
MF1>
�>0F1>
xGFL?/>LP>G
K75K86
J35JL6
S5SS6
I>?V=N?>?
88
83
5
R4
9<BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:K3;M=Q;I=;E=F;I>?HCKB>;E=FC;>XGNKH =CKOKNP;[NH>@?>;C>@I;H@C>DFHHE;B>D=C>
?>H>HXKNO;XG>;>XGNKH;OC=FV;XG@X;E=F;D>>H A=?X;HH=?>HE;C>DH>HX?;E=FC;B@HUOC=FNI\
LN?Q>C>IR;R4; TUKVV>IR;49
YGKX>;[>5O5 MNOHK?G_555
OKR>I;[>5O5 YGKX>;@NI555
L?K@N;=C;L?K@N ]CKXK?G
]H@HU;=C;]H@HU ]CKXK?G
G=CNK?G
VXG>C;MXGNKH ^C=FV
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
MK.J>B�>|/|BOL/1.?K�B27AJJ.?KK R858R6 :4
M.Q>PB�>|/|BMK.J>BFLPBu?.FLK 45K46 7
u?.FLBAGBu?.FLB~G.J.?K S5SS6 5
~1F7yBAGB~1F7yB~G.J.?K S5SS6 5
6AGL.?K 4759S6 72
NJK>GBOJKL.7B�GA-3 L58L6 2
W=X@H R4
:5BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:KK;<=;E=F;H=N?KI>C;E=FC?>HD;X=;G@M>;@ IK?@BKHKXEP
LN?Q>C>IR;RS; TUKVV>IR;LS
Y>?
Z=
56 756 256 856 956 :56 456 ;56 356 <56 7556
LN?Q>C;GG=KH>? I>?V=N?>?
J5R46 9=>?
9K5L96 44 @A
W=X@H RS
:7BCB:;
CDEFGHEGIEJKCDLLMEIGNKOHEPKQRMFGKODSHTKUDMFIEVKWJJPFKXMRYJN
:KJ;T?;XG>C>;@NEXGKNO;Q>;H@N;I=;=C;VFX;KN VH@H>;QGKHG;Q=FHI;A@U>;KX;>@?K>C;D=C;F?;X= =DD>C;E=F;@N;>JF@H;?>CMKH>P;[S=C;>R@AVH>
I=HFA>NX?;KN;H@CO>;VCKNX\ LN?Q>C>IR;9; TUKVV>IR;84
Z I>?V=N?>? <@X>
7 RB7AL?.P>GB0E?>15B{AJKBOL/1.?KBFLPB6AGL.?KB{-JB7FLTJBJ.7yB{AJKB{AQ>?BF{Aw>| 77C25C2579B2L9;BvM
2 @N 75C29C2579B4L83BuM
8 @A 75C22C2579B;L2;BuM
9 @ABJKFLy? 75C72C2579B4L95BuM
: =>?B5.QBA-GBGAFP?BFLPB71>FGB-3BJK>BGAFP?.P>BG-{{.?K|BRB5>>1BP.?7G.0.LFJ>PBF/F.L?JBJKFJBIALPALB/>J?B5.Q>PBFLP 75C8C2579B4L92BuM
71>FL>PBFLPBO>BPALTJ|
4 @ABJKFLy?| 75C8C2579B2L9:BuM
; FGJKG.J.7BKFLP?B0>FLBJKFJB7FGGE.L/BJK>B{1->B{AQ>?BPAOLB0EBPG.w>B.?Bw>GEB3F.L5-1�BOK>>1?BOA-1PB{>B-?>5-1�B?A 75C2C2579B3L8:BuM
OA-1PB{1->B{AQ>?BJKFJBPABLAJB{>7A0>B{G.JJ1>BFLPB?31.J|
3 xK>G>BOF?BLAOK>G>BO.JK.LBJK>B?-Gw>EB5AGB-?BJAB>Q3G>??BA-GBA3.L.AL?BALBKA-?.L/B.LBA-GBFG>F|B�.G?J1EBO>B?-33AGJ 75C2C2579B4L87BuM
?-?JF.LF{1>BKA-?.L/B�.L7|BE-GJ?B>J7K�B?>15{-.1P?|BM>BOA-1PB?-33AGJBF55AGPF{1>BKA-?.L/B�/GFLJ>PB.JB.?
F33GA3G.FJ>K�B.5B.JB.?BF7J-F11EBF55AGPF{1>yB4>?JG.7J.AL?BALBJK>BL-0{>GBA5BKA1.PFEBKA0>?|
< xK.?B?-Gw>EB.?B{.F?BJAOFGP?B{-.1P.L/| 75C2C2579B:L58BuM
:2BCB:;