Huntington Bank's (First) Response to Inner City Press on FirstMerit

8/18/2019 Huntington Bank's (First) Response to Inner City Press on FirstMerit

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2/42

Gr. Ikkbe G. @rnweGirdf 49, 0:91Zilb 0

AmrstGbrmt”s su`smhmiry `iec, AmrstGbrmt @iec, Eitmneik Issndmitmne (‛AmrstGbrmt @iec‗), tfitFuetmeltne fis pu`kmdky hmsdknsbh me dneebdtmne wmtf tfb Zrnpnsbh Xriesidtmne,9 (0) drmtmdmzbhFuetmeltne @iec”s kbehmel rbdnrh `isbh ne hiti amkbh me 0:98 uehbr tfb Fngb GnrtlilbHmsdknsurb Idt (‛FGHI‗), (4) rbqubstbh ie bxtbesmne na tfb pu`kmd dnggbet pbrmnh ne tfbIppkmditmne, ieh (8) rbqubstbh i pu`kmd fbirmel ne tfb Ippkmditmne. Fuetmeltne ipprbdmitbs tfbnppnrtuemty tn rbspneh tn tfbsb gittbrs rimsbh me tfb Girdf 9= B-gimk.

M.

@riedf Dnesnkmhitmnes ieh Dknsmels

Xfb Girdf 9= B-gimk stitbs tfit tfb dknsurb na gnrb tfie 9:: `riedfbs, medkuhmel ieug`br 0 me tfb Dkbvbkieh, Icrne ieh Dietne irbis na Nfmn, wnukh diusb firg. Fuetmeltne `bkmbvbs tfit tfb AmrstGbrmt @iec ieh Fuetmeltne @iec dustngbrs me Mkkmenms, Gmdfmlie, Nfmn,Zbeesykviemi ieh \msdnesme wmkk `b wbkk sbrvbh `y tfb rbsuktmel `riedf ebtwnrc ankknwmel tfbdnesuggitmne na tfb Zrnpnsbh Xriesidtmne. Is hmsdussbh `bknw, tfb gionrmty na tfb `riedfidtmnes irb sfnrt-hmstiedb dnesnkmhitmnes ieh tfb su`stietmik gionrmty na tfb `riedf dknsurbs

mevnkvb gnhbst hmstiedbs tn tfb rbdmpmbet `riedfbs. Xfb Zrnpnsbh Xriesidtmne wmkk rbsukt me pu`kmd `bebamts tfit nutwbmlf iey kmgmtbh mednevbembedb tfit gmlft rbsukt arng tfb pkieebh `riedf idtmnes.

I. Xfb strnel gionrmty na tfb dnesnkmhitmnes/dknsurbs irb sfnrt-hmstiedb

dnesnkmhitmnes.

Is hmsdussbh me tfb Ippkmditmne, hub tn sngb nvbrkip me tfb kblidy `riedf ebtwnrcs na

Fuetmeltne @iec ieh AmrstGbrmt @iec ieh me nrhbr tn rbhudb rbhuehiedy ieh gicb tfb hbkmvbryna dustngbr sbrvmdbs gnrb baamdmbet, Fuetmeltne @iec bxpbdts tn dnesnkmhitb nr dknsb 9:<kmdbesbh knditmnes, medkuhmel? (i) 9:2 `riedfbs (


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lumhiedb arng tfb @nirh, NDD ieh tfb Abhbrik Hbpnsmt Mesuriedb Dnrpnritmne, i `riedfdnesnkmhitmne ms i gnvbgbet na dustngbr hbpnsmts wmtfme tfb sigb mggbhmitb ebmlf`nrfnnh ieh,tfbrbanrb, hnbs ent su `stietmikky iaabdt tfb eiturb na tfb `usmebss nr dustngbrs sbrvbh `y tfbdnesnkmhitmel `riedf.8 Me bidf na tfb 10 dnesnkmhitmnes, tfb hmstiedb `btwbbe tfb dnesnkmhitmel `riedf ieh tfb rbdbmvmel `riedf ms twn gmkbs nr kbss. Me 2= na tfbsb dnesnkmhitmnes (nr =2%) tfbhmstiedb `btwbbe tfb dnesnkmhitmel ieh rbdbmvmel `riedf ms neb gmkb nr kbss, ieh me 89 na tfbsbdnesnkmhitmnes (nr 11%) tfb hmstiedb ms neb-fika gmkb nr kbss.

Xfb ntfbr 82 pkieebh `riedf idtmnes irb dnesmhbrbh tn ̀ b dknsurbs. Na tfb 82 dknsurbs(mevnkvmel 84 `riedf knditmnes ieh tfb twn kmgmtbh-sbrvmdb knditmnes), i strnel gionrmty (02 na 82nr 21%) mevnkvb hmstiedbs `btwbbe tfb dknsmel knditmne ieh tfb rbdbmvmel `riedf na twn gmkbs nrkbss, 9: (nr 00%) mevnkvbs hmstiedbs na neb gmkb nr kbss ieh sbvbe (nr 91%) mevnkvb hmstiedbs naneb-fika gmkb nr kbss.

Xfb Girdf 9= B-Gimk spbdmamdikky rbabrbedbh `riedf dknsurbs me Dkbvbkieh, Icrne ieh

Dietne. Fuetmeltne @iec bxpbdts tn dnesnkmhitb/dknsb 84 `riedfbs me tfb Dkbvbkieh, Icrne iehDietne irbis na Nfmn dng`mebh, medkuhmel 08 kblidy AmrstGbrmt @iec `riedfbs ieh 9= kblidyFuetmeltne @iec `riedfbs. Na tfb 84 `riedf dnesnkmhitmnes/dknsmels me tfbsb irbis, 40 (nr


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`bmel dnesnkmhitbh/dknsbh. Giey na tfb bxpkieitmnes rbabrbedb ittidfbh gips tfit aurtfbrmkkustritb tfb rbkitmnesfmp `btwbbe tfb dnesnkmhitmel/dknsmel `riedf ieh tfb rbdbmvmel `riedf.

D. Entmdbs tn iaabdtbh dustngbrs ieh Fuetmeltne @iec”s dirbauk dnesmhbritmnes

me dngpkmiedb wmtf mts `riedf dknsmel/dnesnkmhitmne/rbknditmne pnkmdy.

Xfb aidtnrs tfit wbrb usbh me mhbetmaymel `riedfbs anr dnesnkmhitmne nr dknsurb medkuhbh?(i) prnxmgmty tn tfb ebirbst `riedf, (`) rbspbdtmvb dnehmtmnes ieh ivimki`kb sbrvmdbs it tfbdnesnkmhitmel/dknsmel ieh rbdmpmbet `riedf, (d) dustngbr ieh dngguemty mgpidt, ieh(h) ameiedmik pbranrgiedb ieh auturb prnspbdts na tfb `riedf. Me ihhmtmne, Fuetmeltne @iecihfbrbs tn i dngprbfbesmvb metbreik `riedf npbemel, dknsmel, rbknditmne ieh dnesnkmhitmne pnkmdytn besurb dngpkmiedb wmtf ippkmdi`kb kiws ieh rblukitnry lumhiedb. Xfit pnkmdy rbqumrbsdngpkmiedb wmtf tfb ankknwmel rbqumrbgbets hurmel tfb bvikuitmne prndbss?

• Besurb dngpkmiedb wmtf ippkmdi`kb kiws ieh rblukitnry lumhiedb anr `riedf

npbemels, dknsmels, rbknditmnes ieh dnesnkmhitmnes.

• Dnehudt ipprnprmitb ieikysms na mgpidts na `riedf npbemel, dknsmel, rbknditmne iehdnesnkmhitmne idtmvmty ne dnesmhbritmnes rbkitbh tn tfb Dngguemty Pbmevbstgbet Idt(tfb ‛DPI‗), dnesmhbrmel tfb baabdt ne tfb dngguemty, tfb i`mkmty na tfb `iec tn prnvmhb sbrvmdb tn tfb irbi ieh tfb prbsbedb na ntfbr ameiedmik mestmtutmnes me tfb irbi.

• Besurb tfit ikk `riedf dfielbs irb ipprnvbh `y Fuetmeltne @iec”s @nirh na

Hmrbdtnrs nr i dnggmttbb nr gbg`br na gieilbgbet is hbkblitbh `y tfb @nirh.

• Besurb tfit tfb ebdbssiry rblukitnry ieh dkmbet entmdbs, ippkmditmnes ieh kblik entmdbsirb dngpkbtbh tn dngpky wmtf tfb rblukitmnes lnvbremel `riedfmel.

• Bsdikitb, is ebdbssiry, rmsc ieh dngpkmiedb mssubs tn tfb Dfmba Pmsc Naamdbr ieh KblikPblukitnry Dngpkmiedb Dnggmttbb.

Fuetmeltne @iec wmkk prnvmhb prmnr entmdbs na iey `riedf dknsurbs tn tfb ippkmdi`kbrblukitnrs ieh tfb dustngbrs me iddnrhiedb wmtf tfb ippkmdi`kb kiw, rblukitmnes ieh rblukitnrylumhiedb. Dustngbrs na `riedfbs tn ̀ b dnesnkmhitbh iksn wmkk rbdbmvb prmnr entmdbs na tfb pkieebh dnesnkmhitmne metn ntfbr `riedfbs.

H. Hbtimkbh ritmneikbs ieh hmstiedb meanrgitmne irb prnvmhbh me tfb

I km tm a f h ` f kmh tm k


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meanrgitmne rblirhmel bidf na tfbsb kmdbesbh knditmne dnesnkmhitmnes ieh dknsurbs, medkuhmel?(i) tfb ihhrbssbs (medkuhmel tfb dnuety) na tfb dnesnkmhitmel/dknsmel `riedf, (`) tfb ihhrbss(medkuhmel tfb dnuety) na tfb `riedf tfit wmkk rbdbmvb tfb hbpnsmts na tfb dnesnkmhitmel/dknsmel `riedf, (d) tfb hmstiedb `btwbbe tfb `riedfbs ieh (h) i hbtimkbh bxpkieitmne na wfy tfb `riedf ms `bmel dnesnkmhitbh/dknsbh. Giey na tfb bxpkieitmnes rbabrbedb ittidfbh gips tfit aurtfbrmkkustritb tfb rbkitmnesfmp `btwbbe tfb dnesnkmhitmel/dknsmel `riedf ieh tfb rbdbmvmel `riedf.@bknw, wb prnvmhb smgmkir meanrgitmne anr bidf `riedf tfit wmkk `b dnesnkmhitbh/dknsbh tfit ms

knditbh me i knw- tn gnhbritb-medngb (‛KGM‗) nr gionrmty-gmenrmty dbesus tridt.

9. Dnesnkmhitmnes me KGM dbesus tridts

Na tfb 10 sfnrt-hmstiedb `riedf dnesnkmhitmnes, neky 9: dnesnkmhitb i `riedf knditbh me ieKGM dbesus tridt. Xfbsb dnesnkmhitmnes irb hbtimkbh `bknw?

Knditmne na Dnesnkmhitmel @riedf Knditmne na Pbdbmvmel @riedfHmstiedb @btwbbe

tfb @riedfbs

Kblidy AmrstGbrmt @iec `riedf it?

09 E. @bidne @kvh., Lrieh Fivbe,Gmdfmlie 8=89


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tfb @riedfbs

Kblidy Fuetmeltne @iec @riedf it?

92:: Bist Gime Ttrbbt, Cbet, Nfmn8808:(Znrtilb Dnuety)

— knw-medngb dbesus tridt


9


7/42

Gr. Ikkbe G. @rnweGirdf 49, 0:91Zilb <

Bxpkieitmnes?

Kblidy AmrstGbrmt @iec `riedf it 09 E. @bidne @kvh., Lrieh Fivbe, Gmdfmlie —Xfb dnesnkmhitmel AmrstGbrmt @iec `riedf ms me tfb tnwe na Lrieh Fivbe, Gmdfmlie, wfbrbdustngbrs prmgirmky trivbk `y dir. Xfb `riedf ms it tfb dnrebr na E. @bidne @kvh. ieh DnkugùsIvbeub. Xfb AmrstGbrmt @iec `riedf fis vbry abw hbpnsmts (kbss tfie $4 gmkkmne) ieh i vbry knweug`br na tbkkbr triesidtmnes. Fuetmeltne @iec wmkk dnetmeub tn sbrvb tfms dngguemty wmtf tfrbb `riedfbs wmtfme amvb gmeutbs na tfb dnesnkmhitmel `riedf. Xfb rbdbmvmel Fuetmeltne @iec `riedf ms :.6< gmkb arng tfb dnesnkmhitmel AmrstGbrmt @iec `riedf hub snutf ne @bidne @kvh.(94:: T. @bidne @kvh.). Mt fis amvb hrmvb-tfru tbkkbr kiebs ieh i hrmvb-up Iutngitbh XbkkbrGidfmeb (‛IXG‗). Me ihhmtmne tn tfb rbdbmvmel Fuetmeltne @iec `riedf, tfbrb ms iksn tfb ebir`yFuetmeltne @iec Tprmel Kicb `riedf, wfmdf ms 9.21 gmkbs enrtfbist na tfb dnesnkmhitmel `riedfieh tfb Lrieh Fivbe Gbmobr me-stnrb `riedf, wfmdf ms 9.1= gmkbs tn tfb snutf. Zkbisb sbb Gip 9me tfb Ippbehmx, wfmdf mkkustritbs tfb rbkitmnesfmp na tfb dnesnkmhitmel AmrstGbrmt @iec `riedfieh tfb Fuetmeltne @iec `riedfbs me tfb Lrieh Fivbe irbi.

Kblidy AmrstGbrmt @iec `riedf it 84: Enrtfambkh Ph., @bhanrh, Nfmn — Xfbdnesnkmhitmel `riedf ms knditbh me i suùrìe irbi wfbrb dustngbrs prmgirmky trivbk `y dir. Xfbdnesnkmhitmel `riedf ms knditbh me ie nkhbr aidmkmty, me tfb nut-knt na i \ik-Girt iedfnrbh dbetbr.Xfb \ik-Girt ms rbpnrtbh tn `b dknsmel me 0:91. Fuetmeltne @iec wmkk dnetmeub tn sbrvb tfmsdngguemty tfrnulf tfb rbdbmvmel Fuetmeltne @iec `riedf it 2409 \irrbesvmkkb Ph., wfmdf msneky :.


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nr kbss tfie neb-gmeutb hrmvb-tmgb). Xfb rbdbmvmel Fuetmeltne @iec `riedf naabrs hbsmleitbh pircmel anr dustngbrs ieh fis ie bxmstmel hbpnsmt ìsb na $0= gmkkmne (vbrsus kbss tfie $9gmkkmne it tfb dnesnkmhitmel ̀ riedf). Zkbisb sbb Gip 4 me tfb Ippbehmx wfmdf mkkustritbs tfbrbkitmnesfmp na tfb dnesnkmhitmel ieh rbdbmvmel `riedfbs. \b `bkmbvb tfit tfb dustngbr mgpidt nadnesnkmhitmel tfms knditmne ms gmemgmzbh hub tn tfb dknsb prnxmgmty ieh tfb knw vnkugb nadustngbrs utmkmzmel tfb bxmstmel AmrstGbrmt @iec `riedf. Xfb rbdbmvmel Fuetmeltne @iec `riedffis igpkb dipidmty tn fiehkb tfb ihhmtmneik triaamd arng tfb dnesnkmhitmel `riedf.

Kblidy AmrstGbrmt @iec `riedf it 1=4= B. @rnih Tt., Dnkugùs, Nfmn — Xfbdnesnkmhitmel aidmkmty ms knditbh me i suùrìe irbi na Dnkugùs wfbrb dustngbrs prmgirmkytrivbk `y dir. Xfb dnesnkmhitmel `riedf ms ie me-kmeb `riedf wmtf en hrmvb-tfru knditbh me tfbsigb sfnppmel dbetbr is tfb rbdbmvmel Fuetmeltne @iec `riedf. Xfb rbdbmvmel `riedf ms i aukk-sbrvmdb me-stnrb `riedf me i Lmiet Bilkb tfit ms knditbh kbss tfie 8:: abbt arng tfb dnesnkmhitmel `riedf. Zkbisb sbb Gip 8 me tfb Ippbehmx I wfmdf mkkustritbs tfb rbkitmnesfmp na tfbdnesnkmhitmel ieh rbdbmvmel `riedfbs. Xfb me-stnrb `riedf fis guktmpkb tbkkbr stitmnes ieh ie

IXG ieh die suaamdmbetky sbrvb tfb bxpiehbh dustngbr ìsb. Dngpirbh tn tfb dnesnkmhitmel `riedf, tfb rbdbmvmel me-stnrb `riedf naabrs bxtbehbh ìecmel fnurs ieh ms npbe sbvbe hiys iwbbc ieh, is sudf, wmkk pnsmtmvbky mgpidt dustngbrs. Anr dustngbrs ebbhmel hrmvb-tfru iddbss,tfbrb ms ientfbr Fuetmeltne @iec `riedf wmtf i amvb-kieb hrmvb-tfru ieh hrmvb-up IXG tfit msneky twn gmkbs (i anur-gmeutb hrmvb) iknel @rnih Ttrbbt.

Kblidy Fuetmeltne @iec `riedf it 92:: Bist Gime Ttrbbt, Cbet, Nfmn — Xfbdnesnkmhitmel `riedf ms me i suùrìe irbi, ihonmemel Cbet Ttitb Remvbrsmty. Dustngbrs

lbebrikky usb i dir is i gbies na triespnrtitmne, ùt tfb stuhbet pnpukitmne ms iksn kmcbky tn wikc `btwbbe digpus ieh ebmlf`nrmel ùsmebssbs. Xfb dnesnkmhitmel Fuetmeltne @iec `riedf msknditbh ne i su`-stiehirh smtb. Xfb nkhbr `riedf ms gmh-`kndc, smts ìdc naa tfb rnih ieh fis neb-wiy smtb dmrdukitmne, kmgmtbh pircmel, i neb-kieb hrmvb-tfru wmtf en `ypiss ieh en hrmvb-up IXG.Fuetmeltne @iec wmkk sbrvb tfms dngguemty tfrnulf tfb rbdbmvmel AmrstGbrmt @iec `riedf it9


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Gr. Ikkbe G. @rnweGirdf 49, 0:91Zilb =

dnesnkmhitmel Fuetmeltne @iec `riedf ms neky :.9< gmkb (kbss tfie neb-gmeutb hrmvb-tmgb) arngtfb rbdbmvmel AmrstGbrmt @iec `riedf. Me ihhmtmne, tfb dnesnkmhitmel Fuetmeltne @iec `riedf msknditbh me tfb sigb dbetbr is i Fuetmeltne @iec Lmiet Bilkb me-stnrb `riedf. Xfb dnesnkmhitmel `riedf hnbs ent fivb smleikmzbh iddbss, fis ie ueittridtmvb aidihb anr i ìec `riedf, tfrbb hrmvb-tfru kiebs ieh i hrmvb-up IXG. Fuetmeltne @iec wmkk sbrvb tfms dngguemty tfrnulf tfbAmrstGbrmt @iec rbdbmvmel `riedf it 1212 E. Pmhlb Ph., wfmdf ms knditbh me tfb nut-knt na iXridtnr Tuppky ieh Zbb`kbs (kndik lrndbr) iedfnrbh sfnppmel dbetbr. Xfbrb ms smleikmzbh iddbss

tn tfb dbetbr, ieh tfb `riedf naabrs amvb hrmvb-tfru kiebs ieh i hrmvb-up IXG. \b `bkmbvb tfittfb dustngbr mgpidt na dnesnkmhitmel tfms knditmne ms gmemgmzbh `bdiusb na tfb dknsb prnxmgmty iswbkk is tfb supbrmnr aidmkmty it tfb rbdbmvmel AmrstGbrmt @iec `riedf. Zkbisb sbb Gip 1 me tfbIppbehmx wfmdf mkkustritbs tfb rbkitmnesfmp na tfb dnesnkmhitmel ieh rbdbmvmel `riedfbs iehsfnws tfb knditmne na tfb ebir`y Fuetmeltne @iec Lmiet Bilkb me-stnrb `riedf. Ihhmtmneikky,tfbrb ms i Lmiet Bilkb me-stnrb `riedf neky :.9< gmkb iwiy, wfmdf naabrs aukk sbrvmdb ìecmel iehbxtbehbh fnurs anr ihhbh dnevbembedb. Xfb rbdbmvmel `riedf fis igpkb dipidmty tn fiehkb tfbihhmtmneik triaamd arng tfb dnesnkmhitmel `riedf.

Kblidy Fuetmeltne @iec `riedf it 26 T. Zirc Zkidb, Zimebsvmkkb, Nfmn — Xfbdnesnkmhitmel `riedf ms me i suùrìe irbi wfbrb dustngbrs trivbk prmgirmky `y dir. Xfbdnesnkmhitmel Fuetmeltne @iec `riedf ms knditbh neky :.:= gmkb (kbss tfie neb-gmeutb hrmvb-tmgb) arng tfb rbdbmvmel AmrstGbrmt @iec `riedf. Iktfnulf tfb dnesnkmhitmel `riedf fis tfrbbhrmvb-tfru kiebs ieh i hrmvb-up IXG, tfb iddbss tn tfb `riedf naa na T. Zirc Zkidb (tnwe squirb)ms ent mhbik3 neb-wiy dmrdukitmne anrdbs dustngbrs tn betbr arng tfb tnwe squirb ieh bxmt netnB. \isfmeltne Tt. Aurtfbr, tfbrb ms kmgmtbh strbbt-smhb pircmel ieh sfirbh pircmel me tfb rbir

wmtf i sbka-stnrilb aidmkmty. Fuetmeltne @iec wmkk sbrvb tfms dngguemty tfrnulf tfb rbdbmvmelAmrstGbrmt @iec `riedf it 21 Km`brty Tt., wfmdf naabrs i gnrb prngmebet ieh gudf kirlbr ùmkhmel, vmsm`kb arng tfb tnwe squirb. Xfb rbdbmvmel `riedf fis 02,::: squirb abbt na metbrmnrspidb, igpkb pircmel, anur hrmvb-tfru kiebs ieh i hrmvb-up IXG. \b `bkmbvb tfit tfb dustngbrmgpidt na dnesnkmhitmel tfms knditmne ms gmemgmzbh `bdiusb dustngbrs me Zimebsvmkkb wmkk `b i`kbtn utmkmzb i gnrb bismky iddbssbh `riedf wfmdf fis igpkb dipidmty tn fiehkb medrbisbh vnkugb.Zkbisb sbb Gip < me tfb Ippbehmx I wfmdf mkkustritbs tfb rbkitmnesfmp na tfb dnesnkmhitmel iehrbdbmvmel `riedfbs.

Kblidy AmrstGbrmt @iec `riedf it 42:2 Kbb Ph., Tficbr Fbmlfts, Nfmn — Xfbdnesnkmhitmel `riedf ms me i hbesb suùrìe irbi wfbrb dustngbrs trivbk tfrnulf i gmxturb nadirs, pu`kmd triespnrtitmne ieh ne annt. Xfb dnesnkmhitmel `riedf ms knditbh neky :.0< gmkb (kbsstfie neb-gmeutb hrmvb-tmgb) tn tfb Fuetmeltne @iec `riedf. Xfb twn `riedfbs irb wmtfmewikcmel hmstiedb me sfnppmel dbetbrs tfit arnet nppnsmtb smhbs na tfb sigb strbbt. Iktfnulf tfb


10/42

Gr. Ikkbe G. @rnweGirdf 49, 0:91Zilb 9:

dbetbr wmtf smleikmzbh iddbss ieh guktmpkb pnmets na melrbss/blrbss. Fuetmeltne @iec rbdnlemzbstfit tfb rbdbmvmel `riedf fis neky twn hrmvb-tfru kiebs ieh i hrmvb-up IXG, wfmdf dnukh `bdngb ùsy. Is i gbies na gmtmlitmel tfb dipidmty dnedbres, Fuetmeltne @iec wmkk rbtime tfbrmlfts tn tfb dnesnkmhitmel `riedf's hrmvb-tfru ieh wmkk mestikk ihhmtmneik hrmvb-up IXGs. \b `bkmbvb tfit tfb dustngbr mgpidt na dnesnkmhitmel tfms knditmne ms gmemgmzbh `bdiusb dustngbrswmkk fivb tfb nppnrtuemty tn utmkmzb tfb rbdbmvmel `riedf”s ieh tfb dnesnkmhitmel `riedf's hrmvb-tfru anr triesidtmnes. Xfms dng`meitmne na `riedfbs wmkk fivb tfb dipidmty tn fiehkb tfb

triesidtmne ebbhs na tfb dnesnkmhitmel ̀ riedf. Fuetmeltne @iec iksn npbritbs smx ntfbr `riedfbswmtfme anur gmkbs na tfb dnesnkmhitmel `riedf. Zkbisb sbb Gip 6 me tfb Ippbehmx wfmdfmkkustritbs tfb rbkitmnesfmp na tfb dnesnkmhitmel ieh rbdbmvmel `riedfbs.

Kblidy AmrstGbrmt @iec `riedf it 899 Ihigs Tt., Xnkbhn, Nfmn — Fuetmeltne @iecwmkk dnetmeub tn sbrvb tfms dngguemty it tfb Fuetmeltne @iec rbdbmvmel `riedf knditbh ne tfbamrst aknnr na tfb Fuetmeltne Pblmneik Fbihquirtbrs ùmkhmel it 29= Gihmsne Ivbeub. Xfbdnesnkmhitmel `riedf ms neky :.91 gmkb iwiy. @ntf `riedfbs irb me tfb gime pirt na hnwetnwe

Xnkbhn wfbrb tfb twn prmgiry gbies na triespnrtitmne irb ̀ y annt nr `y dir. Xfb twn knditmnesirb neky i anur-gmeutb wikc nr i neb-gmeutb hrmvb ipirt ieh tfbrb ms igpkb pu`kmd pircmel irnuehtfb rbdbmvmel `riedf. Zkbisb sbb Gip = me tfb Ippbehmx wfmdf mkkustritbs tfb rbkitmnesfmp na tfbdnesnkmhitmel ieh rbdbmvmel ̀ riedfbs. Xfb rbdbmvmel Fuetmeltne @iec `riedf fis suaamdmbetdipidmty tn fiehkb tfb ihhmtmneik triaamd.

Kblidy Fuetmeltne @iec `riedf it 9:9 Bist \isfmeltne Tt., Ebw Distkb,Zbeesykviemi — Xfb dnesnkmhitmel Fuetmeltne @iec `riedf ms knditbh me hnwetnwe Ebw Distkb,

ZI. Mt fis i wikc-up IXG, is wbkk is twn hrmvb-tfru tbkkbr kiebs iddbssbh arng TydignrbTtrbbt. Fuetmeltne @iec wmkk dnetmeub tn sbrvb tfb hnwetnwe Ebw Distkb dngguemty wmtf tfbebir`y AmrstGbrmt @iec rbdbmvmel `riedf. Xfb rbdbmvmel `riedf ms i ebwbr aidmkmty ieh ms knditbhneb `kndc bist na tfb dnesnkmhitmel Fuetmeltne `riedf it tfb dnrebr na B. \isfmeltne Ttrbbt iehT. Gmkk Ttrbbt (neky :.:= gmkb iwiy). Xfb rbdbmvmel AmrstGbrmt @iec `riedf fis twn wikc-upIXGs, ùt hnbs ent fivb i hrmvb-tfru ittidfbh tn tfb ùmkhmel, Anr tfms rbisne, Fuetmeltne @iecwmkk rbtime tfb durrbet twn hrmvb-tfru kiebs ne Tydignrb Ttrbbt arng tfb dnesnkmhitmel `riedf3neky tfb kn``y npbritmnes na tfb dnesnkmhitmel `riedf wmkk `b dknsbh. Is i rbsukt, tfbrb wmkk `b en

dfielb tn tfb hrmvb-tfru dipidmty nr tn tfb hrmvb-tfru knditmne. Iddnrhmelky, tfb kblidyFuetmeltne @iec `riedf dustngbrs wmkk bxpbrmbedb en dfielb me tfbmr hrmvb-tfru sbrvmdb ieh tfbkblidy AmrstGbrmt @iec `riedf dustngbrs wmkk lime tfb dnevbembedb na hrmvb-tfru sbrvmdb. Xfbrbdbmvmel `riedf ieh tfb rbtimebh hrmvb-tfru knditmne fivb suaamdmbet dipidmty tn fiehkb tfbihhmtmneik triaamd. Zkbisb sbb Gip 9: me tfb Ippbehmx wfmdf mkkustritbs tfb rbkitmnesfmp na tfbdnesnkmhitmel `riedf, tfb rbdbmvmel `riedf ieh tn tfb twn hrmvb-tfru kiebs ne Tydignrb Ttrbbt.


11/42


0.

Dknsurbs me KGM Dbesus Xridts

Na tfb 82 dknsmels, neky tfrbb dknsb i aidmkmty knditbh me ie KGM dbesus tridt (twn irb `riedfbs ieh neb ms i kmgmtbh sbrvmdb aidmkmty) ieh ikk tfrbb mevnkvb hmstiedbs na :.41 gmkb nr kbss.

Xfbsb dknsmels irb hbtimkbh `bknw?

Knditmne na Dknsmel @riedf Knditmne na Pbdbmvmel @riedfHmstiedb @btwbbe

tfb @riedfbs

Kblidy Fuetmeltne @iec `riedf it?

94: E. Obaabrsne Ivb., Tilmeiw,Gmdfmlie 861:<(Tilmeiw Dnuety) — knw-medngb dbesus tridt


9:9 E. \isfmeltne Ivbeub,Tilmeiw, Gmdfmlie 861:<(Tilmeiw Dnuety) — knw-medngb dbesus tridt

:.09 gmkb


4= B. Gircbt Tt., Icrne, Nfmn 884:6(Tuggmt Dnuety) — knw-medngb dbesus tridt


9:1 T. Gime Tt., Icrne, Nfmn 884:6(Tuggmt Dnuetry) — knw-medngb dbesus tridt

:.00 gmkb


999 \. Pmdf Tt, Dnkugùs, Nfmn84092(Arieckme Dnuety) — kmdbesbh kmgmtbh-sbrvmdb aidmkmty — gnhbritb-medngb dbesus tridt


9< T. Fmlf Ttrbbt, Dnkugùs, Nfmn84092(Arieckme Dnuety) — gnhbritb-medngb dbesus tridt

:.41 gmkb

Bxpkieitmnes?

Kblidy Fuetmeltne @iec `riedf it 94: E. Obaabrsne Ivb., Tilmeiw, Gmdfmlie — Xfbdknsmel `riedf ms knditbh me tfb urìe hnwetnwe na Tilmeiw, Gmdfmlie, wfbrb dustngbrs prmgirmky trivbk `y dir nr ne annt. Fuetmeltne @iec wmkk sbrvb tfms dngguemty tfrnulf tfbAmrstGbrmt @iec rbdbmvmel `riedf it 9:9 E. \isfmeltne Ivbeub, Tilmeiw, Gmdfmlie. Xfb

m m ` f m k f 1:: h fm f m am m kc k f


12/42


sbb i dfielb tn tfb `riedf ebtwnrc me tfb hnwetnwe irbi ieh wmkk fivb i ebt medrbisb na twn `riedfbs me tfb Tilmeiw gircbt. Xfb kblidy Fuetmeltne @iec dustngbrs wmkk fivb i ebtmedrbisb na neb `riedf me tfb hnwetnwe ieh i ebt medrbisb na bmlft ̀ riedfbs me tfb gircbt. Xwngips irb medkuhbh me tfb Ippbehmx dnedbremel tfms dnesnkmhitmne. Gip 99-I sfnws tfbrbkitmnesfmp na tfb dnesnkmhitmel ̀ riedf tn tfb rbdbmvmel `riedf. Gip 99-@ sfnws tfbrbkitmnesfmp na tfb dnesnkmhitmel `riedf tn `ntf tfb rbdbmvmel `riedf ieh tn tfb ebir`y `riedfwmtf i amvb-kieb hrmvb-tfru.

Kblidy Fuetmeltne @iec `riedf it 4= B. Gircbt Tt., Icrne, Nfmn — Xfb dknsmel `riedf ms me hnwetnwe Icrne wfbrb dustngbrs prmgirmky trivbk ne annt, wikcmel arng ebir`y ùmkhmels/ùsmebssbs. Xfb dknsmel `riedf ms knditbh me i smx-stnry ùmkhmel idrnss arng tfbsbvbe-stnry \C]D ùmkhmel. Xfb dknsmel `riedf fis i kmgmtbh prbsbedb me hnwetnwe Icrne,fnwbvbr, is mt ms knditbh tnn air enrtf, nutsmhb na tfb ameiedmik hmstrmdt. Aurtfbr, tfb `riedf msknditbh me i gimetbeiedb-dfikkbelbh ùmkhmel wfbrb Fuetmeltne @iec fis `bbe rbgnvmeldnkkbilubs hub tn ne-lnmel mssubs wmtf tfb aidmkmty. Xfb metbrmnr spidb ms ent dustngbr-armbehky

ìsbh ne mts kidc na i tbkkbr kmeb (tbkkbrs pbranrg triesidtmnes smttmel it hbscs). Fuetmeltne @iecwmkk dnetmeub tn sbrvb tfms dngguemty tfrnulf tfb AmrstGbrmt @iec rbdbmvmel `riedf it 9:1 T.Gime Tt., wfmdf ms knditbh me tfb fbirt na tfb ameiedmik hmstrmdt. Xfb `riedf ms tfb durrbetDnrpnritb Fbihquirtbrs anr AmrstGbrmt @iec ieh fis smlemamdiet prngmebedb ieh knel-stiehmelfmstnry me hnwetnwe Icrne. \b `bkmbvb tfit tfb dustngbr mgpidt na dknsmel tfms knditmne msgmemgmzbh `y tfb aidt tfit i pbhbstrmie ms i`kb tn trivbrsb ebirky tfb betmrb hmstiedb arng tfbdknsmel tn tfb rbdbmvmel `riedf me uehbrlrnueh tueebks dneebdtmel bidf na tfb ùmkhmels iknelGime Tt. (:.00 gmkb iwiy). Xfb rbdbmvmel `riedf wmkk fivb igpkb dipidmty tn fiehkb tfb

ihhmtmneik triaamd arng tfb dknsmel `riedf. Zkbisb sbb Gip 90 me tfb Ippbehmx wfmdf mkkustritbstfb rbkitmnesfmp na tfb hnwetnwe Icrne aidmkmtmbs.

Kblidy AmrstGbrmt @iec Kmdbesbh Kmgmtbh Tbrvmdb Aidmkmty it 999 \. Pmdf Tt,

Dnkugùs, Nfmn — Xfb dknsmel aidmkmty ms knditbh me ie urìe, hnwetnwe irbi ebir ntfbrdnggbrdmik ùmkhmels. Mt ms prmgirmky usbh is i dnggbrdmik kbehmel aidmkmty wmtfnut rbtimk wikc-me triaamd3 tfb knditmne neky iddbpts hbpnsmts arng dnggbrdmik dustngbrs wfn giy rbqubst tngicb sudf i triesidtmne. Xfb Fuetmeltne @iec rbdbmvmel `riedf it 9< T. Fmlf Tt., Dnkugùs,

Nfmn, ms :.41 gmkb iwiy ieh ms Fuetmeltne @iec's gnst prngmebet hnwetnwe `riedf. Mt msknditbh ebxt tn Fuetmeltne”s Dnrpnritb Fbihquirtbrs. Lmvbe tfb kmgmtbh sdnpb na tfb sbrvmdbsnaabrbh it tfb dknsmel aidmkmty is wbkk is tfb prnxmgmty tn tfb rbdbmvmel `riedf, en mgpidt tn tfbdngguemty ms bxpbdtbh. Xfbrb irb iksn twn ntfbr Fuetmeltne @iec/AmrstGbrmt @iec ̀ riedfbs(dng`mebh) wmtfme i amvb-gmeutb hrmvb-tmgb na tfb dknsmel aidmkmty. Zkbisb sbb Gip 94 me tfbIppbehmx wfmdf mkkustritbs tfb rbkitmnesfmp `btwbbe tfb dnesnkmhitmel AmrstGbrmt @iec kmdbesbh


13/42


4.

Dnesnkmhitmnes me gionrmty-gmenrmty dbesus tridts

Na tfb 10 sfnrt-hmstiedb `riedf dnesnkmhitmnes, neky amvb dnesnkmhitb i `riedf knditbh mei gionrmty-gmenrmty dbesus tridt. Xfbsb dnesnkmhitmnes irb hbtimkbh `bknw?


tfb @riedfbs


84: Enrtfambkh Ph., @bhanrh, Nfmn88981(Duyifnli Dnuety) — dbesus tridt ms 2:.8% gmenrmty


2409 \irrbesvmkkb Ph., GipkbFbmlfts, Nfmn 8894<(Duyifnli Dnuety) — dbesus tridt ms 64.=% gmenrmty

:.


14/42


Bxpkieitmnes?

Kblidy AmrstGbrmt @iec `riedf it 84: Enrtfambkh Ph., @bhanrh, Nfmn — Xfms `riedfms knditbh me ie KGM dbesus tridt. Zkbisb sbb i`nvb anr tfb hbtimkbh rbisnes mt wis dnesnkmhitbhmetn i ebir`y `riedf.

Kblidy AmrstGbrmt @iec `riedf it 02 \bst Zrnspbdt Ivbeub, Dkbvbkieh, Nfmn — Xfbdnesnkmhitmel `riedf ms knditbh me hnwetnwe Dkbvbkieh wfbrb dustngbrs prmgirmky wikc arng

ebmlf`nrmel ùsmebssbs/ùmkhmels. Fuetmeltne @iec wmkk dnetmeub tn sbrvb tfms dngguemtytfrnulf tfb Fuetmeltne @iec `riedf knditbh it 0:: Zu`kmd Tquirb (:.98 gmkb iwiy arng tfbdnesnkmhitmel `riedf). Xfb rbdbmvmel Fuetmeltne @iec ̀ riedf die `b iddbssbh ne annt `ywikcmel enrtf ne Netirmn Ttrbbt ieh tfbe ticmel i rmlft ture netn T. Pnihwiy (Budkmh Ivb.). Xfbrbdbmvbr `riedf ms pirt na tfb "Fuetmeltne" ùmkhmel, wfmdf ms tfb rblmneik fbihquirtbrs anrFuetmeltne me Dkbvbkieh. Xfb rbdbmvmel `riedf naabrs `ntf metbrmnr ieh bxtbrmnr iddbss is wbkk isi strbbt-aidmel IXG. Fuetmeltne @iec pkies ne rbtimemel neb nr gnrb IXGs me i sgikkbr spidbit tfb dnesnkmhitmel AmrstGbrmt @iec `riedf knditmne (suòbdt tn kiehknrh eblntmitmnes). Meihhmtmne, Fuetmeltne @iec fis ie bxmstmel wikc-up IXG it Xnwbr Dmty, wfmdf wmkk fbkp tnsbrvmdb triesidtmnes. \b `bkmbvb tfit tfb dustngbr mgpidt na dnesnkmhitmel tfms knditmne msgmemgmzbh `bdiusb na tfb guktmpkb IXG tnudfpnmets tfit wmkk `b ivimki`kb it tfb Xnwbr DmtyDbetbr is wbkk is Fuetmeltne @iec's prngmebet knditmne ne tfb dmty squirb. Fuetmeltne @ieciksn fis i `riedf it =:2 Budkmh Ivbeub (:.4: gmkb arng Zu`kmd Tquirb) tn sbrvb dustngbrs mehnwetnwe Dkbvbkieh. Zkbisb sbb Gip 98 me tfb Ippbehmx wfmdf sfnws tfb rbkitmnesfmp `btwbbetfb dnesnkmhitmel AmrstGbrmt @iec `riedf ieh tfb Fuetmeltne @iec knditmnes me tfb mggbhmitb

irbi. Xfb rbdbmvmel `riedf fis igpkb dipidmty tn fiehkb tfb ihhmtmneik triaamd arng tfbdnesnkmhitmel `riedf

Kblidy AmrstGbrmt @iec `riedf it 42:2 Kbb Ph., Tficbr Fbmlfts, Nfmn — Xfms `riedfms knditbh me ie KGM dbesus tridt. Zkbisb sbb i`nvb anr tfb hbtimkbh rbisnes mt wis dnesnkmhitbhmetn i ebir`y `riedf.

Kblidy AmrstGbrmt @iec `riedf it 899 Ihigs Tt., Xnkbhn, Nfmn — Xfms `riedf ms

knditbh me ie KGM dbesus tridt. Zkbisb sbb i`nvb anr tfb hbtimkbh rbisnes mt wis dnesnkmhitbh metni ebir`y `riedf.

Kblidy Fuetmeltne @iec `riedf it 9:9 Bist \isfmeltne Tt., Ebw Distkb,

Zbeesykviemi — Xfms `riedf ms knditbh me ie KGM dbesus tridt. Zkbisb sbb i`nvb anr tfb hbtimkbhrbisnes mt wis dnesnkmhitbh metn i ebir`y `riedf.


15/42


8.

Dknsmels me gionrmty-gmenrmty dbesus tridts

Na tfb 82 dknsmels, neky neb dknsbs i `riedf knditbh me i gionrmty-gmenrmty dbesus tridtieh tfb rbdbmvmel `riedf ms neky :.09 gmkb arng tfb dknsmel `riedf.

Xfms dknsurb ms hbtimkbh `bknw?

Knditmne na Dknsmel @riedf Knditmne na Pbdbmvmel @riedf

Hmstiedb @btwbbe

tfb @riedfbs


94: E. Obaabrsne Ivb., Tilmeiw,Gmdfmlie 861:<(Tilmeiw Dnuety) — dbesus tridt ms =9.=% gmenrmty


9:9 E. \isfmeltne Ivbeub,Tilmeiw, Gmdfmlie 861:<(Tilmeiw Dnuety) — dbesus tridt ms =9.=% gmenrmty

:.09 gmkb

Bxpkieitmne?

Kblidy Fuetmeltne @iec `riedf it 94: E. Obaabrsne Ivb., Tilmeiw, Gmdfmlie — Xfms `riedf ms knditbh me ie KGM dbesus tridt. Zkbisb sbb i`nvb anr tfb hbtimkbh rbisnes mt wisdnesnkmhitbh metn i ebir`y `riedf.

B.

Zu`kmd `bebamts air nutwbmlf tfb dnsts.

Iey kmgmtbh mednevbembedb diusbh `y tfb dnesnkmhitmnes ieh dknsmels me dneebdtmne wmtftfb Zrnpnsbh Xriesidtmne sfnukh `b wbmlfbh ilimest tfb smlemamdiet `bebamts tfit tfb ZrnpnsbhXriesidtmne wmkk `rmel tn tfb dustngbrs na AmrstGbrmt @iec ieh Fuetmeltne @iec ieh tn tfbdngguemtmbs tfby sbrvb. Anr bxigpkb, `ntf tfb kblidy dustngbrs na AmrstGbrmt @iec iehFuetmeltne @iec”s dustngbrs wmkk `bebamt arng tfb dng`mebh `iec”s gnrb bxtbesmvb ebtwnrc na `riedfbs ieh IXGs. Xfb kblidy dustngbrs na AmrstGbrmt @iec wmkk iksn `bebamt arng tfb

bxtbehbh `riedf fnurs na Fuetmeltne @iec `riedfbs ne Titurhiys, ieh sudf dustngbrs me Nfmnieh Gmdfmlie wmkk beony tfb ihhbh dnevbembedb na Fuetmeltne @iec `riedfbs dn-knditbh me kndikgionr lrndbry stnrbs, wfmdf irb npbe sbvbe hiys i wbbc (medkuhmel gnst fnkmhiys) ieh anr knelbrfnurs tfie trihmtmneik `riedfbs.

Xfb dustngbrs na AmrstGbrmt ieh AmrstGbrmt @iec iksn wmkk `bebamt arng Fuetmeltne


16/42


medkuhmel hbpnsmts gihb ne gn`mkb hbvmdbs ieh it IXGs tfrnulf tfb ìec”s Ikk-Hiy HbpnsmtTG

snkutmne. Me ihhmtmne, Fuetmeltne @iec naabrs en-abb iutngitbh triesabrs (tn suppnrtgimetbeiedb na pnsmtmvb dfbdcmel iddnuet ìkiedbs) ieh en gnetfky gimetbeiedb abbs ne ieysivmels iddnuet kmecbh tn tfb Istbrmsc-Arbb Dfbdcmel® iddnuet. Aurtfbr, dfbdcmel iddnuetdustngbrs die iksn smle up anr bgimk nr tbxt gbssilbs ma tfbmr iddnuets irb nvbrhriwe.

Fuetmeltne ieh Fuetmeltne @iec wmkk prnvmhb tfb anrgbr dustngbrs na AmrstGbrmt @iecwmtf i `rnihbr sbt na prnhudt ieh sbrvmdb naabrmels, medkuhmel, ignel ntfbrs? ihhmtmneik hbpnsmt prnhudts ieh knie prnlrigs hbsmlebh tn `bebamt uehbrsbrvbh pnpukitmnes ieh dngguemtmbs, iswbkk is sgikk ùsmebssbs3 virmnus dnggbrdmik, trust/amhudmiry, wbiktf ieh mevbstgbetgieilbgbet, mestmtutmneik ieh pu`kmd sbdtnr ìecmel prnhudts ieh sbrvmdbs3 ieh pbrsneik iehdnggbrdmik kmebs na mesuriedb prnhudts ieh sbrvmdbs tfit irb ent ivimki`kb it AmrstGbrmt @iec.Fuetmeltne @iec”s fmlfky-ritbh dustngbr sbrvmdb ieh `rnih sumtb na prnhudts ieh sbrvmdbs fivbfbkpbh tn lrnw mts dustngbr ìsb me tfb pist anur ybirs `y gnrb tfie 46% anr dnesugbr hbpnsmtnrrbkitmnesfmps ieh 00% anr dnggbrdmik rbkitmnesfmps. Anr bxigpkb, Fuetmeltne @iec naabrs

ihhmtmneik knw-dnst dfbdcmel ieh sivmels iddnuets wmtf gmemgug ìkiedb drmtbrmi. Me ihhmtmne,Fuetmeltne @iec naabrs ie bxtbesmvb rielb na ùsmebss dfbdcmel ieh sivmels iddnuets, medkuhmelmts knw-dnst Dngguemty Dfbdcmel Iddnuet (wmtf en gnetfky abbs anr ùsmebssbs tfit fivb up tn9:: triesidtmnes) ieh @usmebss Zrbgmbr Tivmels Iddnuet, ieh naabrs piyi`kbs/rbdbmvi`kbsgieilbgbet (kndc`nx, viukt, hbpnsmt ieh gbrdfiet sbrvmdbs), Xrbisury ieh anrbmle bxdfielbsbrvmdbs anr sgikk ieh kirlbr ùsmebssbs ikmcb.

Is ms hbtimkbh me tfb Ippkmditmne ieh Tbdtmne MM `bknw, Fuetmeltne @iec iksn naabrs

meenvitmvb kbehmel prnlrigs, medkuhmel tfnsb tfit issmst uehbrsbrvbh lrnups na dustngbrs. Anrbxigpkb, Fuetmeltne @iec”s prnprmbtiry Dngguemty Iddbss Gnrtlilb knie prnlrig issmsts KGM `nrrnwbrs nr `nrrnwbrs me KGM dngguemtmbs tn purdfisb nr rbameiedb rbsmhbedbs `y naabrmelakbxm`kb uehbrwrmtmel drmtbrmi ieh knw-dnst abiturbs.

Me ihhmtmne, Fuetmeltne @iec naabrs mts Dnesugbr Amrst Gnrtlilb prnlrig, wfmdf mshbsmlebh tn prnvmhb i dnevbembet, knw-dnst rbameiedmel na i rbsmhbedb ieh/nr disf-nut nptmnewmtf en prmvitb gnrtlilb mesuriedb (‛ZGM‗) rbqumrbgbets. Fuetmeltne @iec fis iksn

mgpkbgbetbh ie uesbdurbh fngb mgprnvbgbet knie prnlrig tn fbkp prnvmhb drbhmt tnfngbnwebrs me KGM dngguemtmbs wfn irb uei`kb tn quikmay anr trihmtmneik fngb bqumty knies `bdiusb na hbdrbisbh fngb vikubs ieh/nr dngprngmsbh drbhmt. Me ihhmtmne, Fuetmeltne @iec”sntfbr fngb bqumty knies ieh kmebs na drbhmt lbebrikky irb gnrb ihvietilbnus tn dustngbrs tfietfnsb it AmrstGbrmt @iec. Fuetmeltne @iec”s fngb bqumty knie prnhudt ikknws dustngbrs tndfnnsb ie bsdrnw nptmne, wfmdf ms ent ivimki`kb it AmrstGbrmt @iec. Me ihhmtmne, Fuetmeltne


17/42

Gr. Ikkbe G. @rnweGirdf 49, 0:91Zilb 9<

Is i gnrb idtmvb kbehbr anr Tgikk @usmebss Ihgmemstritmne knie prnlrigs tfie AmrstGbrmt@iec, Fuetmeltne @iec naabrs ihhmtmneik knie nppnrtuemtmbs anr kblidy AmrstGbrmt @iec sgikk ùsmebss dustngbrs. Fuetmeltne @iec ms iksn ie idtmvb pirtmdmpiet me i eug`br na stitb-spnesnrbh prnlrigs hbsmlebh tn issmst sgikk ùsmebssbs.

Dnggbrdmik dustngbrs iksn wmkk `bebamt arng Fuetmeltne @iec”s kirlbr kbehmel kmgmt anrmehmvmhuik `nrrnwbrs, ittridtmel i wmhbr sdnpb na dnggbrdmik knie dustngbrs. Fuetmeltne @iecnaabrs ihhmtmneik prnhudts ieh sbrvmdbs anr dnggbrdmik dustngbrs tfit irb ent ivimki`kb it

AmrstGbrmt @iec. AmrstGbrmt @iec”s pu`kmd sbdtnr dustngbrs iksn wmkk `bebamt arng Fuetmeltne@iec”s befiedbh dipi`mkmtmbs.

Me ihhmtmne, Fuetmeltne @iec naabrs spbdmikmzbh mehustry bxpbrtmsb me naabrmel timknrbh prnhudts ieh sbrvmdbs tn tfb ankknwmel mehustrmbs npbritmel me tfb Gmhwbst? annh iehilrmùsmebss ameiedmel, fbiktfdirb, ariedfmsbs ieh bebrly. Xfrnulf mts Zrmvitb Dkmbet Lrnup(‛ZDL‗), Fuetmeltne @iec ieh Fuetmeltne Mevbstgbet Dngpiey naabr prmvitb ìecmel,amhudmiry ieh wbiktf ieh mevbstgbet gieilbgbet sbrvmdbs tfit irb ent ivimki`kb it AmrstGbrmt.Dkmbets na Fuetmeltne @iec”s ZDL irb issmlebh i hbhmditbh Zrmvitb @iecbr wfn auedtmnes is tfb prmvitb ìecmel dustngbr”s nvbrikk Pbkitmnesfmp Gieilbr ieh prnvmhbs i wmhbr irriy na hbpnsmt,knie ieh amhudmiry prnhudts ieh sbrvmdbs tfie irb durrbetky ivimki`kb it AmrstGbrmt @iec. Hub tntfb kirlbr smzb ieh sdikb na Fuetmeltne @iec”s amhudmiry ùsmebss, tfb ìec naabrs i `rnihbr irriyna trust prnhudts tfie AmrstGbrmt @iec durrbetky naabrs.

Fuetmeltne @iec”s dnrpnritb trust sbrvmdbs ieh rbtmrbgbet pkie sbrvmdbs naabr gnrb sdikbieh bxpiehbh prnhudt naabrmels wmtf eitmneikky cenwe mehustry pirtebrs tfie tfnsb ivimki`kbtfrnulf AmrstGbrmt @iec. Fuetmeltne @iec”s amhudmiry ùsmebss iksn naabrs bxpiehbh prnhudtieh sbrvmdb naabrmels. Fuetmeltne @iec wmkk `b i`kb tn mednrpnritb AmrstGbrmt @iec amhudmirysbrvmdb dustngbrs metn mts dbetrikmzbh prndbssmel na mrrbvndi`kb kmab mesuriedb trusts ieh rbikbstitb trust sbrvmdbs.

Me ihhmtmne, Fuetmeltne prnvmhbs sbdurmtmbs `rncbrilb ieh mevbstgbet ihvmsnry sbrvmdbsanr mehmvmhuiks ieh dnggbrdmik dustngbrs, idtmvmtmbs tfit AmrstGbrmt durrbetky naabrs neky tfrnulf

nutsnurdbh tfmrh-pirty irrielbgbets. Fuetmeltne”s `rncbr-hbikbr sbrvmdbs wmkk naabr kblidyAmrstGbrmt @iec dustngbrs wmtf mgprnvbh ebw iddnuet sbt-up ieh hndugbet mgilmel wnrcaknwdipi`mkmtmbs, is wbkk is ameiedmik pkieemel ieh ntfbr tnnks ieh vbehnr rbkitmnesfmps, wfmdf wmkkmgprnvb tfb dustngbr bxpbrmbedb. Aurtfbr, tfrnulf mts dnggbrdmik ieh pbrsneik kmebs mesuriedbilbedy, Fuetmeltne Mesuriedb, Med., Fuetmeltne naabrs i `rnihbr irriy na mesuriedb prnhudts iehmesuriedb-rbkitbh dnesuktitmvb sbrvmdbs wfmdf gbbt gnrb ebbhs na dustngbrs tfie wfit ms


18/42


anuehitmne tn suppnrt dngguemty hbvbknpgbet me Icrne, Nfmn, wfmdf wmkk `b nvbrsbbe `y iememtmik tfrbb-gbg`br `nirh na trustbbs. Xfms `nirh wmkk `b dngpnsbh na neb gbg`br naFuetmeltne”s `nirh na hmrbdtnrs ieh twn gbg`brs hngmdmkbh me tfb lrbitbr Icrne irbi sbkbdtbharng tfb anur gbg`brs na AmrstGbrmt”s `nirh na hmrbdtnrs wfn wmkk onme Fuetmeltne”s `nirh iatbrtfb Dknsmel. Xfms ebw dfirmti`kb anuehitmne wmkk ̀ b auehbh wmtf it kbist $0: gmkkmne nvbr i 9:-ybir pbrmnh. Me ihhmtmne, Fuetmeltne fis ilrbbh tn dnetrmùtb $2 gmkkmne nvbr tfb sigb 9:-ybir pbrmnh tn Xfb Fuetmeltne Anuehitmne anr tfb bxprbss purpnsb tn prnvmhb ihhmtmneik dngguemtyhbvbknpgbet suppnrt me tfb lrbitbr Dietne, Nfmn ieh Akmet, Gmdfmlie dngguemtmbs.

Xn gmemgmzb iey bdnengmd mgpidt tn Icrne, Fuetmeltne fis iksn ilrbbh me tfb gbrlbrilrbbgbet tn? (9) bsti`kmsf ie npbritmnes/dikk dbetbr wmtfme Icrne (nr me i dmty wmtf i OnmetBdnengmd Hbvbknpgbet Ilrbbgbet wmtf Icrne) ieh usb rbisnei`kb `bst baanrts tn besurb tfitsudf npbritmnes/dikk dbetbr ms aukky npbritmneik `y en kitbr tfie tfb hitb na tfb sbdneh ieemvbrsiryna tfb Zrnpnsbh Xriesidtmne”s Dknsmel hitb, ieh (0) usb rbisnei`kb `bst baanrts tn gimetimebgpknygbet kbvbks me Icrne tfit irb dnesmstbet wmtf AmrstGbrmt”s bgpknygbet kbvbks is na tfbZrnpnsbh Xriesidtmne”s hitb na Dknsmel, `y en kitbr tfie tfb sbdneh ieemvbrsiry na sudf hitb.

Anr ikk na tfbsb rbisnes, tfb bxpbdtbh `bebamts na tfb Zrnpnsbh Xriesidtmne tn tfbdustngbrs ieh dngguemtmbs sbrvbh `y AmrstGbrmt ieh Fuetmeltne nutwbmlf iey gmemgikmednevbembedb tfit gmlft rbsukt arng tfb pkieebh `riedf dnesnkmhitmnes ieh dknsurbs.

MM. Fuetmeltne @iec”s FGHI Kbehmel Pbdnrh

Xfb Girdf 9= B-gimk drmtmdmzbs Fuetmeltne @iec”s kbehmel rbdnrh, ìsbh ne mts rbpnrtbh0:98 FGHI hiti, ikkblmel tfbrb wbrb ridmik hmspirmtmbs me tfb ìec”s gnrtlilb kbehmel idtmvmtyme mts Icrne ieh Dkbvbkieh, Nfmn issbssgbet irbis. Me pirtmdukir, tfb Girdf 9= B-gimk ikkblbstfit Fuetmeltne @iec gihb i hmsprnpnrtmneitbky knw eug`br na fngb purdfisb, rbameiedb iehfngb mgprnvbgbet knies tn Iarmdie Igbrmdie ieh Kitmen `nrrnwbrs, ieh hmsprnpnrtmneitbkyhbembh ippkmditmnes na Iarmdie Igbrmdie ieh Kitmen `nrrnwbrs anr rbameiedb ieh fngbmgprnvbgbet knies, is dngpirbh tn ene-gmenrmty `nrrnwbrs ieh ippkmdiets.

Iey mgpkmditmne me tfb Girdf 9= B-gimk tfit Fuetmeltne @iec fis belilbh me prnfm`mtbhhmsdrmgmeitmne me mts fngb gnrtlilb kbehmel ms ueanuehbh. Is i prbkmgmeiry gittbr, tfb @nirhfis knel rbdnlemzbh tfit tfb aukk sdnpb na meanrgitmne drmtmdik tn ie mestmtutmne”s drbhmt hbdmsmnesms ent ivimki`kb arng FGHI hiti ieh, tfbrbanrb, FGHI hiti hmspirmtmbs gust `b bvikuitbh metfb dnetbxt na ntfbr meanrgitmne rblirhmel ie mestmtutmne”s kbehmel rbdnrh.2 Anr bxigpkb, wfbednehudtmel aimr kbehmel bxigmeitmnes na ie mestmtutmne, bxigmebrs rbvmbw ntfbr hiti rbkbviet tn


19/42

Gr. Ikkbe G. @rnweGirdf 49, 0:91Zilb 9=

@nirh iksn dnesmhbrs tfb mestmtutmne”s aimr kbehmel dngpkmiedb prnlrig ieh rbdnrh ieh mts rmsc-gieilbgbet arigbwnrc.

Fuetmeltne @iec ms amrgky dnggmttbh tn gicmel mts drbhmt prnhudts ieh sbrvmdbs ivimki`kbtn prnspbdtmvb ieh bxmstmel dustngbrs ne i aimr ieh bqumti`kb `isms, me strmdt dngpkmiedb wmtf `ntftfb kbttbr ieh spmrmt na tfb aimr kbehmel kiws ieh rblukitmnes. I suggiry na Fuetmeltne @iec”sAimr Kbehmel Zrnlrig (tfb ‛Zrnlrig‗), wfmdf medkuhbs mts Aimr ieh Pbspnesm`kb @iecmel Znkmdy(tfb ‛Znkmdy‗), ms prnvmhbh me Bxfm`mt 98 na tfb Ippkmditmne. Xfb Zrnlrig ippkmbs tn ikk ̀ usmebss

uemts ieh npbritmneik irbis na Fuetmeltne @iec tfit irb rbspnesm`kb anr prnhudt hbvbknpgbet,sikbs, gircbtmel, drbhmt rmsc, prmdmel, nrmlmeitmne ieh sbrvmdmel pridtmdbs. Is entbh me tfbIppkmditmne, tfb Zrnlrig”s dngpnebets dnvbr? `nirh ieh gieilbgbet nvbrsmlft, pnkmdmbs ieh prndbhurbs, rmsc issbssgbet, gnemtnrmel ieh tbstmel, metbreik dnetrnks, trimemel ieh dustngbrdngpkimet rbspnesb. Xfb gnemtnrmel, tbstmel ieh metbreik dnetrnks tn fbkp besurb dngpkmiedbwmtf aimr kbehmel kiws ieh rblukitmnes medkuhb, ignel ntfbrs? (9) aimr kbehmel rmsc issbssgbetstfit irb dnehudtbh ieeuikky nr gnrb arbqubetky, is ebbhbh, wfmdf medkuhb quietmtitmvb iehquikmtitmvb ieikysbs ieh ie issbssgbet na tfb quikmty na tfb dnetrnks ieh rbsuktmel rbsmhuik rmscs3(0) i sbdneh rbvmbw prnlrig3 (4) rbqumrbh rbvmbw ieh ipprnvik `y Fuetmeltne @iec”s AimrKbehmel Dngpkmiedb Naamdbr (‛AKDN‗) na prnpnsbh dfielbs tn drbhmt uehbrwrmtmel pnkmdmbs ieh prndbhurbs, drbhmt rmsc nr sdnrmel gnhbks, prmdmel pnkmdmbs ieh tnnks, nr ntfbr drbhmt-rbkitbhgnhbks3 (8) hub hmkmlbedb ieh nvbrsmlft na iey tfmrh-pirty kbehmel rbkitmnesfmps3 (2) tbstmel iehgnemtnrmel na FGHI hiti `y tfb mehbpbehbet, dbetrikmzbh Dngpkmiedb Xbig tn besurb hitiidduridy, dngpkbtbebss ieh metblrmty3 (1) stitmstmdik tbsts (medkuhmel rblrbssmne ieikysms) `y tfbDngpkmiedb Xbig tn hbtbdt iey gbiemelauk hmspirmtmbs3 (


20/42

Gr. Ikkbe G. @rnweGirdf 49, 0:91Zilb 0:

Dnrpnritb Dngpkmiedb, Tblgbet Pmsc ieh tfb Dngguemty Hbvbknpgbet Dnggmttbb naFuetmeltne @iec”s `nirh na hmrbdtnrs, ieh sblgbet-kbvbk dngpkbtmne na tfb trimemel ms gnemtnrbhieh rbpnrtbh tn sbemnr ieh bxbdutmvb gieilbgbet me rmsc issbssgbets. I pnrtmne na pbranrgiedbbvikuitmnes ms ìsbh ne suddbssauk dngpkbtmne na issmlebh trimemel.

Meanrgitmne ne tfb ìsbs anr tfb hbemiks na fngb knie ippkmditmnes suppnrts tfb vmbw tfitFuetmeltne @iec hnbs ent belilb me prnfm`mtbh hmsdrmgmeitmne me mts gnrtlilb kbehmel. I rbvmbwna Fuetmeltne @iec”s hbemiks na fngb knie ippkmditmnes arng Iarmdie Igbrmdies ieh

Fmspiemds/Kitmens, is rbpnrtbh uehbr FGHI me 0:98, hbgnestritbs tfit sudf idtmnes wbrb ìsbhne nòbdtmvb rbisnes uerbkitbh tn tfb ridb nr btfemdmty na tfb ippkmdiet nr ebmlf`nrfnnh wfbrb tfbsuòbdt prnpbrty wis knditbh. Xfb su`stietmik gionrmty na tfb hbemiks wbrb hub tn tfb dnkkitbrik,drbhmt fmstnry, medngpkbtb drbhmt ippkmditmnes ieh HXM ritmns, is die `b sbbe `y tfb pbrdbetilbs `bknw?

(9) Icrne‘(i) Iarmdie Igbrmdie ippkmdiets‘dnkkitbrik (9


21/42


Gnrbnvbr, tfb Girdf 9= B-gimk mlenrbs Fuetmeltne @iec”s giey iaanrhi`kb gnrtlilbknie prnlrigs ieh dngguemty hbvbknpgbet idtmvmtmbs tn medrbisb iaanrhi`kb fnusmelnppnrtuemtmbs anr KGM mehmvmhuiks ieh dngguemtmbs, wfmdf medkuhb giey gmenrmty rbsmhbets metfb `iec”s issbssgbet irbis. Is entbh me tfb Ippkmditmne ieh Tbdtmne M i`nvb, Fuetmeltne @iecnaabrs i prnprmbtiry iaanrhi`kb fngb gnrtlilb knie prnlrig, tfb Dngguemty Iddbss Gnrtlilb prnlrig, tn issmst KGM `nrrnwbrs nr `nrrnwbrs me KGM dngguemtmbs tn purdfisb, rbameiedb nrmgprnvb rbsmhbedbs. Xfb Dngguemty Iddbss Gnrtlilb prnlrig ikknws fmlfbr KXQ ritmns iehhnbs ent medkuhb bmtfbr i ZGM rbqumrbgbet nr ie metbrbst ritb ihoustgbet anr knwbr drbhmt sdnrbs.

Ignel tfb ihvietilbnus fngb bqumty knie prnlrigs naabrbh `y Fuetmeltne @iec, wfmdfirb hmsdussbh me tfb Ippkmditmne ieh Tbdtmne M i`nvb, ms mts prnprmbtiry Dnesugbr Amrst Gnrtlilb prnlrig, wfmdf ms hbsmlebh tn prnvmhb fngbnwebrs i dnevbembet, knw-dnst rbameiedmel na irbsmhbedb ieh/nr i disf-nut nptmne wmtf en ZGM rbqumrbgbet. Me ihhmtmne, iatbr kbiremel arngdngguemty nrliemzitmnes me virmnus gircbts tfit dnesugbrs me KGM dbesus tridts ebbhbh sgikk,iaanrhi`kb knies anr fngb mgprnvbgbet purpnsbs, Fuetmeltne @iec mgpkbgbetbh ie uesbdurbhfngb mgprnvbgbet knie prnlrig anr fngbnwebrs me KGM dngguemtmbs, wfmdf naabrs sfnrt-tbrgknies (90-91 gnetf tbrgs) me ignuets na $=== tn $4,::: it ie iaanrhi`kb amxbh ritb na 0.==%.

Fuetmeltne @iec iksn idtmvbky pirtmdmpitbs me i virmbty na eitmneik, stitb ieh kndikky `isbhgnrtlilb kbehmel prnlrigs hbsmlebh tn issmst KGM mehmvmhuiks ieh KGM nr gmenrmtydngguemtmbs, medkuhmel prnlrigs na tfb Qbtbries Ihgmemstritmne, tfb Abhbrik FnusmelIhgmemstritmne, tfb Abhbrik Fngb Knie @iec na Dmedmeeitm (tfb ‛Dmedmeeitm AFK@‗), tfb R.T.Hbpirtgbet na Ilrmdukturb ieh Aieemb Gib. Bxigpkbs na stitb ieh dnuety-spnesnrbh iaanrhi`kb

gnrtlilb prnlrigs me Nfmn ieh Gmdfmlie me wfmdf Fuetmeltne @iec pirtmdmpitbs irb kmstbh me tfbIppkmditmne. Neb sudf bxigpkb ms tfb Duyifnli Dnuety Fnusmel Befiedbgbet Knie Zrnlrig(tfb ‛F.B.K.Z. Zrnlrig‗), wfmdf ms hbsmlebh tn issmst me tfb rbvmtikmzitmne na Dkbvbkieh ieh mtsebmlf`nrmel dngguemtmbs `y naabrmel iaanrhi`kb fngb mgprnvbgbet knies anr iktbritmnes,rbpimrs, gimetbeiedb, mgprnvbgbet, dnhb vmnkitmne dngpkmiedb ieh ntfbr rbsmhbetmik prnpbrtyuplrihbs. Xfb F.B.K.Z. Zrnlrig ms i kmecbh-hbpnsmt prnlrig tfit prnvmhbs rbhudbh ritbs anr `nrrnwbrs tfrnulf tfb purdfisb na rbhudbh-ymbkh dbrtmamditbs na hbpnsmt arng tfb kbehbr.

Me ihhmtmne, Fuetmeltne @iec fis ticbe idtmnes tn medrbisb tfb eug`br na fngb gnrtlilbippkmditmnes arng, ieh knies tn, KGM, Iarmdie Igbrmdie ieh Fmspiemd/Kitmen `nrrnwbrs. Anrbxigpkb, me Icrne, Fuetmeltne @iec fis pirtebrbh wmtf tfb Bist Icrne Ebmlf`nrfnnhHbvbknpgbet Dnrpnritmne (‛BIEHD‗), ie nrliemzitmne tfit wnrcs tn mgprnvb dngguemtmbs `y prnvmhmel quikmty ieh iaanrhi`kb fnusmel, dngprbfbesmvb fngbnwebrsfmp sbrvmdbs ieh bdnengmdhbvbknpgbet nppnrtuemtmbs. Me enrtfbist Nfmn, Fuetmeltne @iec iksn fis pirtebrbh wmtf


22/42


@nrrnwbrs gust fivb $2:: na tfbmr nwe auehs mevbstbh me tfb fngb purdfisb triesidtmne, ùtsbkkbrs giy piy dknsmel dnsts, bsdrnw mtbgs ieh prbpimh mtbgs up tn 1% na tfb sikbs prmdb nripprimsbh vikub na tfb prnpbrty, wfmdfbvbr ms kbss. Yuikmambh `nrrnwbrs irb ent kmgmtbh tn amrsttmgb fngbùybrs, ùt tfby gust `b nwebr nddupiets ieh tfby dieent nwe ntfbr rbsmhbetmik rbikbstitb it tfb tmgb tfb Fngbtnwe Gnrtlilb dknsbs.

Gnrbnvbr, tn medrbisb kbehmel ieh prngntb fngbnwebrsfmp me KGM dngguemtmbs,Fuetmeltne ms wimvmel mts dknsmel dnsts anr `nrrnwbrs purdfismel nr rbameiedmel i fngb me ie

KGM dbesus tridt. Xfms ms i smlemamdiet idtmne tn rbhudb tfb dnst na fngbnwebrsfmp me KGMdngguemtmbs.

Hurmel tfb kist anur ybirs, Fuetmeltne @iec fis medrbisbh tfb eug`br ieh pbrdbetilb namts nvbrikk tntik FGHI knies nrmlmeitbh tn Iarmdie Igbrmdie ieh Fmspiemd/Kitmen `nrrnwbrs memts anntprmet. Anr bxigpkb, me 0:90, Fuetmeltne @iec nrmlmeitbh 144 FGHI knies tn IarmdieIgbrmdie `nrrnwbrs ieh 062 FGHI knies tn Fmspiemd/Kitmen `nrrnwbrs. Me 0:92, FGHI knienrmlmeitmnes fih medrbisbh tn ==: knies tn Iarmdie Igbrmdie `nrrnwbrs ieh tn 4


23/42


ipprnxmgitbky $6.0 gmkkmne. Fuetmeltne aurtfbr ilrbbh tn prnvmhb auehmel up tn i tntik na $96.2gmkkmne (nr up tn 82% na tfb auehmel), ma ihhmtmneik pirtmdmpitmel mevbstnrs irb ihgmttbh tn tfbaueh ieh mts smzb medrbisbs. Xfb Hbtrnmt Fngb Gnrtlilb Aueh wmkk rbdbmvb lriets arng tfbGmdfmlie Ttitb Fnusmel Hbvbknpgbet Iutfnrmty ieh i luirietbb `y tfb Crbslb Anuehitmne, iene-prnamt nrliemzitmne. Xfb Anrh Anuehitmne prnvmhbh memtmik npbritmel lriets tn tfbDngguemty Pbmevbstgbet Aueh Med. tn issmst wmtf tfb memtmik bxpbesbs rbkitbh tn tfb hbvbknpgbetieh kiuedf na tfb prnlrig. Rehbr tfb ebw prnlrig, fngb`uybrs wmtf lnnh drbhmt ieh sti`kbmedngb giy n`time i amrst gnrtlilb anr tfb ipprimsbh vikub na i fngb, gmeus i knw hnwe piygbet na neky 4.2%, ieh i sbdneh gnrtlilb na up tn $


24/42


• I $2.9 gmkkmne KMFXD mevbstgbet tn drbitb 901 iaanrhi`kb aigmky fnusmel uemts meDkbvbkieh.

• I $8.6 gmkkmne knie tn i KMFXD prnobdt tn dnestrudt iaanrhi`kb smelkb aigmky fngbs meIcrne.

• I $8.4 gmkkmne KMFXD mevbstgbet tn drbitb 1: iaanrhi`kb uemts na fnusmel anr spbdmikebbhs ieh fngbkbss pnpukitmnes me Icrne.

Is rbdnlemzbh me tfb 0:90 Bvikuitmne ieh hmsdussbh me tfb Ippkmditmne, Fuetmeltne @ieciksn fis belilbh me i fmlf kbvbk na dngguemty hbvbknpgbet sbrvmdbs tfrnulfnut mts issbssgbetirbis. Fuetmeltne @iec”s gieilbgbet ieh bgpknybbs fivb vnkuetbbrbh tfbmr ameiedmik, `usmebssieh tbdfemdik bxpbrtmsb `y sbrvmel ne tfb `nirhs na hmrbdtnrs ieh dnggmttbbs ieh vnkuetbbrmeltfbmr tmgb tn virmnus ene-prnamt dngguemty nrliemzitmnes, medkuhmel tfnsb tfit andus ne prnvmhmel iaanrhi`kb fnusmel ieh ntfbr sbrvmdbs. Is pirt na tfbsb dngguemty hbvbknpgbetsbrvmdb baanrts, Fuetmeltne @iec gieilbgbet ieh bgpknybbs fivb ihhrbssbh ameiedmik kmtbridyebbhs tfrnulf drbhmt dnuesbkmel, amrst-tmgb fngb `uybr sbgmeirs, anrbdknsurb prbvbetmne

wnrcsfnps ieh ntfbr ameiedmik bhuditmne prnlrigs tirlbtbh tn KGM mehmvmhuiks tfrnulfnut mtsissbssgbet irbis. Tmedb tfb 0:90 Bvikuitmne, Fuetmeltne @iec”s bgpknybbs fivb vnkuetbbrbh80,9


25/42


Ippkmditmne ms 41 hiys ieh rbgimes npbe, prnvmhmel metbrbstbh gbg`brs na tfb pu`kmd ie igpkbignuet na tmgb tn dnggbet ne tfb Ippkmditmne.

Xfb @nirh”s rukbs dnetbgpkitb tfit tfb pu`kmd dnggbet pbrmnh wmkk ent `b bxtbehbhi`sbet i dkbir hbgnestritmne na firhsfmp nr ntfbr gbrmtnrmnus rbisnes anr sbbcmel ihhmtmneiktmgb.9: Xfb Girdf 9= B-gimk, fnwbvbr, hnbs ent mhbetmay iey aidts nr dmrdugstiedbs tfit wnukhwirriet ie bxtbesmne na tfb pu`kmd dnggbet pbrmnh anr tfb Ippkmditmne.

Iddnrhmelky, tfb @nirh sfnukh hbey tfb rbqubst tn bxtbeh tfb pu`kmd dnggbet pbrmnh netfb Ippkmditmne.

MQ. Zu`kmd Fbirmel Pbqubst

Xfb Girdf 9= B-gimk iksn issbrtbh tfit tfb @nirh sfnukh fnkh pu`kmd fbirmels ne tfbIppkmditmne. Tbdtmne 4(`) na tfb @iec Fnkhmel Dngpiey Idt hnbs ent rbqumrb tfit tfb @nirhfnkh i pu`kmd fbirmel ne iey ippkmditmne uekbss tfb ipprnprmitb supbrvmsnry iutfnrmty na tfb `iec

tn `b idqumrbh gicbs i tmgbky wrmttbe rbdnggbehitmne na hbemik na tfb ippkmditmne.99

XnFuetmeltne”s cenwkbhlb, tfb @nirh fis ent rbdbmvbh iey sudf rbdnggbehitmne arng tfb NDD.

Rehbr mts rukbs, tfb @nirh giy, me mts hmsdrbtmne, fnkh i pu`kmd fbirmel nr gbbtmel maipprnprmitb tn ikknw metbrbstbh pbrsnes ie nppnrtuemty tn prnvmh b rbkbviet tbstmgney wfbewrmttbe dnggbets wnukh ent ihbquitbky rbprbsbet tfbmr vmbws.90 Fnwbvbr, tfb Girdf 9= B-gimkhnbs ent mhbetmay hmsputbh mssubs na aidt gitbrmik tn tfb @nirh”s hbdmsmne ne tfb Ippkmditmne nrtfit wnukh `b dkirmambh `y i pu`kmd fbirmel nr gbbtmel. Xfb Girdf 9= B-gimk iksn hnbs ent

hbgnestritb wfy wrmttbe dnggbets dieent ihbquitbky prbsbet tfb dnggbetbr”s vmbws, nr tfnsbna ntfbr metbrbstbh gbg`brs na tfb pu`kmd, nr wfy i fbirmel nr gbbtmel ntfbrwmsb wnukh `bebdbssiry nr ipprnprmitb.

Iddnrhmelky, tfb @nirh sfnukh hbey iey sudf rbqubst anr i pu`kmd fbirmel ne tfbIppkmditmne.

* * * * * * *


26/42


Nedb ilime, wb ipprbdmitb tfms nppnrtuemty tn rbspneh. Ma ynu fivb iey qubstmnes i`nuttfms su`gmssmne nr ebbh ihhmtmneik meanrgitmne, pkbisb hn ent fbsmtitb tn dnetidt gb (090/8:4-990


27/42

Ippbehmx


28/42

#9

Dnesnkmhitmel @riedf? Xfb AmrstGbrmt @iec `riedf knditbh it 09 E @bidne @kvh, Lrieh Fivbe, Gmdfmlie 8=89


29/42

#0

Dnesnkmhitmel @riedf? Xfb AmrstGbrmt `iec `riedf knditbh it 84: Enrtfambkh Ph, @bhanrh, Nfmn 88981

Pbdbmvmel

@riedf?

Xfb

Fuetmeltne

`iec

`riedf

knditbh

it

2409

\irrbesvmkkb

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#4


30/42

#4

Dnesnkmhitmel @riedf? Xfb AmrstGbrmt `iec `riedf knditbh it 9980


31/42

#8

Dnesnkmhitmel @riedf? Xfb AmrstGbrmt ìec `riedf knditbh it 1=4= B @rnih Tt, Dnkugùs, Nfmn 84094

Pbdbmvmel

@riedf?

Xfb

Fuetmeltne

ìec

`riedf

knditbh

it

161<

Bist

@rnih

Ttrbbt,

Dnkugùs,

Nfmn

84094

#2


32/42

#2

Dnesnkmhitmel @riedf? Xfb Fuetmeltne `iec `riedf knditbh it 92:: Bist Gime Tt, Cbet, Nfmn

8808:

Pbdbmvmel

@riedf?

Xfb

AmrstGbrmt

`iec

`riedf

knditbh

it

9


33/42

#1

Dnesnkmhitmel @riedf? Xfb Fuetmeltne `iec `riedf knditbh it 122: E Pmhlb Ph, Gihmsne, Nfmn 88:2


34/42


35/42

#=


36/42

Dnesnkmhitmel @riedf? Xfb AmrstGbrmt `iec `riedf knditbh it 899 Ihigs Tt, Xnkbhn, Nfmn 841:8

Pbdbmvmel

@riedf?

Xfb

Fuetmeltne

`iec

`riedf

knditbh

it

29=

Gihmsne

Ivb,

Xnkbhn,

Nfmn

841:8

#9:


37/42

Dnesnkmhitmel @riedf? Xfb Fuetmeltne @iec `riedf knditbh it 9:9 B \isfmeltne Tt, Ebw Distkb, Zbeesykviemi

919:9 Pbdbmvmel @riedf? Xfb AmrstGbrmt @iec `riedf knditbh it 99 T Gmkk Tt, Ebw Distkb, Zbeesykviemi 919:9

#99-I


38/42

Dknsmel @riedf? Xfb Fuetmeltne @iec `riedf knditbh it 94: E Obaabrsne Ivb., Tilmeiw, Gmdfmlie 861:


39/42

Dknsmel @riedf? Xfb Fuetmeltne @iec `riedf knditbh it 94: E Obaabrsne Ivb., Tilmeiw, Gmdfmlie 861:


40/42

Dknsmel @riedf? Xfb AmrstGbrmt @iec `riedf knditbh it 4= B. Gircbt Tt, Icrne, Nfmn 884:6

Pbdbmvmel @riedf? Xfb Fuetmeltne @iec `riedf knditbh it 9:1 T Gime Tt, Icrne, Nfmn 884:6

#94


41/42

Dknsmel @riedf? Xfb AmrstGbrmt ìec `riedf knditbh it 999 \ Pmdf Tt, Dnkugùs, Nfmn 84092

Pbdbmvmel

@riedf?

Xfb

Fuetmeltne

ìec

`riedf

knditbh

it

9<

T

Fmlf

Ttrbbt,

Dnkugùs,

Nfmn

84092

#98


42/42

Dnesnkmhitmel @riedf? Xfb AmrstGbrmt `iec `riedf knditbh it 02 \bst Zrnspbdt Ivbeub, Dkbvbkieh, Nfmn 88992

Pbdbmvmel

@riedf?

Xfb

Fuetmeltne

`iec

`riedf

knditbh

it

0::

Zu`kmd

Tquirb,

Dkbvbkieh,

Nfmn

88998

Date post:	07-Jul-2018
Category:	Documents
Upload:	matthew-russell-lee
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Huntington Bank's (First) Response to Inner City Press on FirstMerit

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