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=TJKX]KXV/ 4GMZKQKTOTM/ 1MKTJGT[SSKX/
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@VKKRG[ZUSGZKTNGR MKSKKTZK 1YZKT '%&.
'* P[TO '%&. &.#%+#&&
4K XGGJ \GT JK MKSKKTZK 1YZKT0
MKRK`KT NKZ \UUXYZKR \GT NKZ IURRKMK \GT H[XMKSKKYZKX KT ]KZNU[JKXY \GT '& SKO '%&.0 MKNUUXJ NKZ GJ\OKY \GT JK 3USSOYYOK 1RMKSKTK EGQKT KT 3UTZXUR \GT &( P[TO '%&.0 MKRKZ UV ZOZKR C G \GT JK DKZ UV JK QGTYYVKRKT! NKZ @VKKRG[ZUSGZKTHKYR[OZ GXZOQKR &). KT GXZOQKR &*) \GT JK 6KSKKTZK]KZ0
25@:B8A/
\GYZ ZK YZKRRKT JK CKXUXJKTOTM @VKKRG[ZUSGZKTNGR MKSKKTZK 1YZKT '%&. KT JK HOPHKNUXKTJK AUKROINZOTM#
8T ZK ZXKQQKT JK CKXUXJKTOTM @VKKRG[ZUSGZKTNGRRKT '%%(#
2LLCAOPQH # ,IDBJBKB ?BM>IFKDBK ,NPFHBI # -BDNFMO?BM>IFKDBK
8T JK`K \KXUXJKTOTM ]UXJZ \KXYZGGT UTJKX/
&# YVKKRG[ZUSGZKTNGR/ KKT OTXOINZOTM! HKYZKSJ US NKZ V[HROKQ MKRKMKTNKOJ ZK MK\KT KKT YVKR JUUX SOJJKR \GT YVKKRG[ZUSGZKT ZK HKUKLKTKT! GRY HKJUKRJ OT GXZOQKR (% I!
KKXYZK ROJ UTJKX H! \GT JK ]KZ0
'# YVKRKXYVRGGZY/ NKZ GGTZGR VRGGZYKT HKYINOQHGGX US JKKR ZK TKSKT GGT KKT YVKR UV KKT G[ZUSGGZ GRY HKJUKRJ OT JK`K \KXUXJKTOTM#
(# YVKKRG[ZUSGGZ/ KKT ZUKYZKR! OTMKXOINZ \UUX JK HKUKLKTOTM \GT KKT YVKR! JGZ HKYZGGZ [OZ KKT JUUX JK YVKRKX OT ]KXQOTM MKYZKRJ SKINGTOYIN! KRKQZXOYIN UL KRKQZXUTOYIN VXUIKY! ]GGXHOP NKZ XKY[RZGGZ QGT RKOJKT ZUZ JK SOJJKRROPQK UL UTSOJJKRROPQK [OZQKXOTM
\GT VXOP`KT UL VXKSOKY! JGGXUTJKX HKMXKVKT NKZ XKINZ US MXGZOY \KXJKX ZK YVKRKT0 )# HKNKTJOMNKOJYG[ZUSGGZ/ KKT YVKKRG[ZUSGGZ ]GGX\GT NKZ YVKRXKY[RZGGZ [OZYR[OZKTJ
QGT RKOJKT ZUZ KKT \KXRKTMJK YVKKRJ[[X UL NKZ XKINZ UV MXGZOY YVKRRKT KT NKZ VXUIKY!
UUQ TGJGZ NKZ OT ]KXQOTM OY MKYZKRJ! JUUX JK YVKRKX QGT ]UXJKT HKcT\RUKJ KT NKZ MKNKKR UL \XOP]KR MKNKKR \GT `OPT OT`OINZ KT HKNKTJOMNKOJ HOP NKZ MKHX[OQ \GT JK
JGGXZUK MKHUJKT SOJJKRKT GLNGTMZ UL KT OT ]KRQK SGZK JK YVKRJ[[X \KXRKTMJ UL NKZ XKINZ UV MXGZOY YVKRKT \KXQXKMKT ]UXJZ0
*# QGTYYVKRG[ZUSGGZ/ KKT YVKKRG[ZUSGGZ! JOK MKKT HKNKTJOMNKOJYG[ZUSGGZ OY0 +# JK ]KZ/ JK DKZ UV JK QGTYYVKRKT#
,# HKNKKXJKX/ JK TGZ[[XROPQK VKXYUUT UL VKXYUTKT JOK SKZ NKZ JGMKROPQY ZUK`OINZ KT JK UTSOJJKRROPQK RKOJOTM OT JK YVKKRG[ZUSGZKTNGR OY HKRGYZ0
-# UTJKXTKSKX/ JK TGZ[[XROPQK UL XKINZYVKXYUUT JOK JK YVKKRG[ZUSGZKTNGR!
NUUMJXKSVKROMK UL RGGMJXKSVKROMK OTXOINZOTM K^VRUOZKKXZ0
.# UVKTHGXK ]KM/ GRRK \UUX NKZ UVKTHGGX XOP" UL GTJKX \KXQKKX UVKTYZGGTJK ]KMKT UL VGJKT! JGGXUTJKX HKMXKVKT JK JGGXOT MKRKMKT HX[MMKT KT J[OQKXY! JK ZUZ JOK ]KMKT UL VGJKT HKNUXKTJK HKXSKT KT `OPQGTZKT! GRYSKJK QGSVKKXVRGGZYKT KT JK GGT JK ]KMKT UL VGJKT ROMMKTJK KT GRY `UJGTOM GGTMKJ[OJK VGXQKKXZKXXKOTKT0
2LLCAOPQH $ 8MBBI>QPLJ>PBK E>I ,NPFHBI $ ;BN?LAO?BM>IFKD
&# 7KZ OY \KXHUJKT `UTJKX \KXM[TTOTM \GT JK H[XMKSKKYZKX KKT YVKKRG[ZUSGZKTNGR ZK
\KYZOMKT KT ZK K^VRUOZKXKT#
'# 4K H[XMKSKKYZKX QGT \UUX SG^OSGGR ' YVKKRG[ZUSGZKTNGRRKT KKT \KXM[TTOTM
\KXRKTKT#
(# 5KT \KXM[TTOTM \UUX JK \KYZOMOTM KT K^VRUOZGZOK \GT KKT YVKKRG[ZUSGZKTNGR QGT YRKINZY ]UXJKT \KXRKKTJ \UUX JK J[[X \GT \OPLZOKT PGGX#
)# 4K H[XMKSKKYZKX QGT JK \KXM[TTOTM YRKINZY \KXRKTKT \UUX KKT YVKKRG[ZUSGZKTNGR TGJGZ GGT VUZKTZObRK MKMGJOMJKT JUUX JK H[XMKSKKYZKX MKJ[XKTJK KKT TGJKX HOP HKRKOJYXKMKRY JUUX NKS \GYZ ZK YZKRRKT VKXOUJK MKRKMKTNKOJ OY MKMK\KT KKT GGT\XGGM US KKT \KXM[TTOTM OT ZK JOKTKT KT JGGXSKK SKK ZK JOTMKT TGGX JK \KXM[TTOTM#
*# 4K H[XMKSKKYZKX SGGQZ! \UUXGLMGGTJ GGT JK OT NKZ JKXJK ROJ HKJUKRJK VKXOUJK! JUUX
\GYZYZKRROTM \GT HKRKOJYXKMKRY HKQKTJ UV ]KRQK ]OP`K KT UV ]KRQ SUSKTZ JK OT NKZ
\UXOMK ROJ HKJUKRJK MKRKMKTNKOJ ZUZ SKJKJOTMOTM ]UXJZ MKHUJKT#
+# 8T JK ZK \KXRKTKT \KXM[TTOTM ]UXJZ HKVGGRJ NUK\KKR QGTYYVKRG[ZUSGZKT HOTTKT JK YVKKRG[ZUSGZKTNGR GGT]K`OM SUMKT `OPT# 7KZ ZUZGRK GGTZGR QGTYYVKRG[ZUSGZKT ]UXJZ
\GYZMKYZKRJ HOP JK \KXM[TTOTM#"
,NPFHBI % 6NL@BAQNB BK FKAFBKFKDORBNBFOPBK
&# 4UUX SOJJKR \GT KKT HKQKTJSGQOTM OT JK @ZGGZYIU[XGTZ KT JK MKHX[OQKROPQK RUQGRK QXGTZ QUTJOMZ JK H[XMKSKKYZKX JK SUMKROPQNKOJ ZUZ NKZ OTJOKTKT \GT GGT\XGMKT \UUX KKT \KXM[TTOTM GGT HOP NKZ \XOPQUSKT \GT JK YINGGXYK \KXM[TTOTM#
'# 1GT\XGMKX NKKLZ KKT ZKXSOPT \GT `KY ]KQKT \GTGL JK JGM \GT HKQKTJSGQOTM US KKT GGT\XGGM OT ZK JOKTKT#
(# 1GT\XGMKT JOK TOKZ \URJUKT GGT KTOM ]KZZKROPQ \UUXYINXOLZ \UUX NKZ OT HKNGTJKROTM TKSKT \GT GGT\XGMKT! ]UXJKT JUUX JK H[XMKSKKYZKX H[OZKT HKNGTJKROTM MKYZKRJ IUTLUXS VXUIKJ[XK `UGRY UVMKTUSKT OT JK GRMKSKTK ]KZ HKYZ[[XYXKINZ#
)# 1GT\XGMKT JOK TG JK MKYZKRJK ZKXSOPT \GT `KY ]KQKT ]UXJKT UTZ\GTMKT ]UXJKT JUUX JK H[XMKSKKYZKX H[OZKT HKNGTJKROTM MKYZKRJ#
*# 2OP KKT UT\URRKJOMK GGT\XGGM QXOPMZ JK GGT\XGMKX KKT XKJKROPQK ZKXSOPT \GT `KY ]KQKT US `OPT GGT\XGGM GGT ZK \[RRKT#
+# <G NKZ \KXYZXOPQKT \GT JK GGT\[RROTMYZKXSOPT JGT]KR TG NKZ UT\URRKJOM GGT\[RRKT \GT JK GGT\XGGM OY NKZ TOKZ SKKX SUMKROPQ GGT\[RRKTJK MKMK\KTY OT ZK JOKTKT#
,# 4K UTJKXTKSKX JOKTZ HOP JK GGT\XGGM NKZ \URMKTJK ZK U\KXRKMMKT/
G# 4K VKXYUTGROG \GT JK GGT\XGMKX OT TGZ[[XROPQK VKXYUUT! OTJOKT GGT\XGMKX KKT XKINZYVKXYUUT OY! JK MKMK\KTY \GT GRRK GGTJKKRNU[JKXY "OTJOKT JOZ UUQ
XKINZYVKXYUTKT `OPT/ GRRK MKMK\KTY ZUZ JK TGZ[[XROPQK VKXYUUT" KT JK HKNKKXJKX Y !
\UUX`OKT \GT KKT QUVOK \GT KKT MKRJOM RKMOZOSGZOKHK]OPY#
H# KKT HK]OPY \GT OTYINXOP\OTM HOP JK 9GSKX \GT QUUVNGTJKR! TOKZ U[JKX JGT + SGGTJKT0
I# KKT \KXQRGXOTM USZXKTZ NKZ MKJXGM! TOKZ U[JKX JGT ( SGGTJKT! \GT JK UTJKXTKSKX JGT ]KR! OTJOKT JK UTJKXTKSKX KKT XKINZYVKXYUUT OY! \GT JK XKINZYVKXYUUT `KRL KT UUQ \GT JKMKTK T JOK JK UTJKXTKSOTM QXGINZKTY JK YZGZ[ZKT \KXZKMKT]UUXJOMZ KT KT \GT JK HKNKKXJKX Y \GT JK YVKKRG[ZUSGZKTNGR0
J# KKT \URRKJOM OTMK\[RJ KT UTJKXZKQKTJ \XGMKTLUXS[ROKX OT NKZ QGJKX \GT JK DKZ HK\UXJKXOTM OTZKMXOZKOZYHKUUXJKROTMKT JUUX NKZ UVKTHGGX HKYZ[[X! `UGRY JGZ ]UXJZ MKNGTZKKXJ JUUX JK 9GTYYVKRG[ZUXOZKOZ#
K# KKT TG[]QK[XOMK HKYINXOP\OTM \GT JK OTXOINZOTM ]GGXHOP OY UVMKTUSKT JK UVVKX\RGQZK JGGX\GT! GRYSKJK KKT VRGZZKMXUTJ ]GGXOT OY GGTMKMK\KT UV ]KRQK VRGGZY OT JK YVKKRG[ZUSGZKTNGR KT OT ]KRQ GGTZGR JK QGTYYVKRKT KT$UL HKNKTJOMNKOJYG[ZUSGZKT ]UXJKT UVMKYZKRJ0
L# KKT HK]OPY ]GGX[OZ HROPQZ ]GZ JK ZUZGRK OT\KYZKXOTM OY KT JGZ JK`K SKZ \URJUKTJK
`KQKXNKJKT OY GLMKJKQZ SKZ KKT LOTGTIOKXOTM JGT ]KR [OZ KOMKT SOJJKRKT QGT ]UXJKT MKLOTGTIOKXJ#
M# KKT VRGT ]GGXOT ]UXJZ HKYINXK\KT ]KRQK SGGZXKMKRKT JK K^VRUOZGTZ TKKSZ ZKX HKYINKXSOTM \GT JK UVKTHGXK UXJK! \KOROMNKOJ! NKZ ]UUT" KT RKKLQROSGGZ KT JK MK`UTJNKOJ ]GGXUTJKX JK ]OP`K ]GGXUV ZUKMGTMYIUTZXURK VRGGZY\OTJZ0
N# KKT VRGT ]GGXOT ]UXJZ HKYINXK\KT ]KRQK SGGZXKMKRKT JK GGT\XGMKX TKKSZ ZKX VXK\KTZOK KT HKYZXOPJOTM \GT MUQ\KXYRG\OTM KT JK ]OP`K ]GGXUV NOP JK MKJXGMY" KT XKIRGSKIUJK \UUX QGTYYVKRKT TGRKKLZ0
O# KKT VRGT ]GGXOT ]UXJZ HKYINXK\KT UV ]KRQK ]OP`K JK YVKKRG[ZUSGZKTNGR VGYZ HOTTKT JK USMK\OTM SKZ JGGXOT \UUX `U\KX KX YZXOPJOMNKOJ OY SKZ NKZ HKYZKSSOTMYVRGT NKZ
\KX`UKQ US KKT VXOTIOVK GQQUUXJ \GT NKZ IURRKMK JGZ `OP \UUXTKSKTY OY SKJK]KXQOTM ZK \KXRKTKT GGT JK X[OSZKROPQK VXUIKJ[XK! TUJOM US JK SKZ NKZ HKYZKSSOTMYVRGT YZXOPJOMK K^VRUOZGZOK UL \KYZOMOTM \GT JK YVKKRG[ZUSGZKTNGR UV ZK NKLLKT# 4OZ VXOTIOVK GQQUUXJ JOKTZ \ddX JK KOTJJGZ[S \UUX NKZ OTJOKTKT \GT JK YZ[QQKT ZKT HKNUK\K \GT JK JKKRTGSK GGT JK \KXMKROPQKTJK ZUKZY ZK `OPT \KXQXKMKT0
P# 5KT SUZO\KXOTM ]GGX[OZ JK SKKX]GGXJK I#W# ZUKMK\UKMJK ]GGXJK \GT JK YVKKRG[ZUSGZKTNGR \UUX JK MKSKKTZK 1YZKT HROPQZ0
Q# KKT HK]OPY \GT ROJSGGZYINGV \GT JK UTJKXTKSKX HOP C1< 9GTYYVKRKT
2XGTINKUXMGTOYGZOK! KKT YINXOLZKROPQ HK]OPYYZ[Q ]GGXSKK JK UTJKXTKSKX GGTTKSKROPQ SGGQZ OT NKZ KKXYZK PGGX \GT JK K^VRUOZGZOK \GT JK YVKKRG[ZUSGZKTNGR NKZ
ROJSGGZYINGV \GT JK C1< 9GTYYVKRKT 2XGTINKUXMGTOYGZOK ZK `[RRKT \KXQXOPMKT UL KKT YINXOLZKROPQK KT MKSUZO\KKXJK \KXQRGXOTM JOK GGTZUUTZ JGZ JK HKUUMJK HKJXOPLY\UKXOTM OT Q]GROZGZOK\K `OT MKROPQ]GGXJOM OY GGT JK KOYKT JOK \KXHUTJKT `OPT GGT NKZ C1<"
ROJSGGZYINGV# 8T JK`K MKROPQ]GGXJOMNKOJY\KXQRGXOTM SUKZ OT OKJKX MK\GR MKSUZO\KKXJ
`OPT [OZKKT MK`KZ UL JK HKJXOPLY\UKXOTM \URJUKZ GGT JK KOYKT JOK JK C1<
UTJKXTKSKXYIUJK NOKXGGT YZKRZ \GYZMKYZKRJ OT JK 1RMKSKTK :KJKT\KXMGJKXOTM \GT '+ SGGXZ '%&) 0
R# KKT GLYINXOLZ \GT NKZ 3KXZOLOIGGZ 1S[YKSKTZYIKTZXG \GT JK 459?1! KKT YINXOLZKROPQ HK]OPYYZ[Q ]GGXSKK JK UTJKXTKSKX GGTTKSKROPQ SGGQZ OT NKZ KKXYZK PGGX \GT JK K^VRUOZGZOK \GT JK YVKKRG[ZUSGZKTNGR KKT 3KXZOLOIGGZ 1S[YKSKTZYIKTZXG \GT JK 459?1 ZK `[RRKT \KXQXOPMKT UL KKT YINXOLZKROPQ MKSUZO\KKXJK \KXQRGXOTM ]GGX[OZ HROPQZ
S#
T#
U#
JGZ JK HKUUMJK HKJXOPLY\UKXOTM OT Q]GROZGZOK\K `OT MKROPQ]GGXJOM OY GGT JK KOYKT JOK JK 459?1 NOKXGGT YZKRZ0
NKZ HK]OPYYZ[Q GRY HKJUKRJ OT GXZOQKR + \GT JK ?KMKROTM ]KX\OTM! XKIRGSK KT
\KXYRG\OTMYVXK\KTZOK QGTYYVKRKT 7KZ 66E <KJKXRGTJ IKXZOLOIGGZ
\KXYRG\OTMYVXUHRKSGZOKQ \UUX YVKKRG[ZUSGZKTIKTZXG \GT JK OT JK \KXM[TTOTM HKTUKSJK HKNKKXJKXY0
SOZY GGT]K`OM/ KKT GLYINXOLZ \GT GRRK K\KTZ[KKR KKXJKX \KXRKKTJK \KXM[TTOTMKT \UUX KKT YVKKRG[ZUSGZKTNGR! K^IR[YOKL HOPRGMKT JOK UV TGGS `OPT MKYZKRJ \GT JK
UTJKXTKSKX OT JK GLMKRUVKT &% PGGX! UL GTJKX JUI[SKTZ ]GGX[OZ KX\GXOTM \GT JK UTJKXTKSKX OT JK YVKKRG[ZUSGZKTNGRRKTHXGTINK HROPQZ0
KKT GLYINXOLZ \GT JK K^VRUOZGZOK\KXM[TTOTM \KXQXKMKT UV MXUTJ \GT JK DKZ UV JK 9GTYYVKRKT JOKTZ ZK ]UXJKT ZUKMK\UKMJ0
-# 4K H[XMKSKKYZKX QGT TUM TGJKXK KOYKT YZKRRKT GGT JK OT ZK JOKTKT HKYINKOJKT JGT ]KR GGT\[RRKTJK MKMK\KTY TOKZ KKXJKX MKTUKSJ OT NKZ QGJKX \GT JK OTXOINZOTM \GT JK YVKKRG[ZUSGZKTNGR! UVKTHGXK UXJK KT \KOROMNKOJ KT JK VXK\KTZOK \GT
MUQ\KXYRG\OTM#
,NPFHBI & -BOIFOPBNJFGK
&# 7KZ HK\UKMJK HKYZ[[XYUXMGGT UL HK\UKMJ MK`GM HKYROYZ UV KKT GGT\XGGM \UUX KKT
\KXM[TTOTM UL UTZNKLLOTM HOTTKT Z]GGRL ]KQKT TG JK JGZ[S \GT UTZ\GTMYZ \GT JK GGT\XGGM#
'# 7KZ HK\UKMJK HKYZ[[XYUXMGGT UL HK\UKMJ MK`GM QGT JK ZKXSOPT \UUX ZKT NUUMYZK Z]GGRL ]KQKT \KXJGMKT#
(# 7KZ MKYZKRJK OT NKZ KKXYZK KT Z]KKJK ROJ MKRJZ TOKZ \UUX `U\KX KRJKXY OT JK`K
\KXUXJKTOTM GTJKXY OY HKVGGRJ#
)# >GXGMXGGL )#&#(#(# \GT JK 1RMKSKTK ]KZ HKYZ[[XYXKINZ VUYOZOK\K LOIZOK\K HKYINOQQOTM HOP TOKZ ZOPJOM HKYROYYKT OY TOKZ \GT ZUKVGYYOTM#
*# DGTTKKX HOP KKT \GT JK GGT\XGMKT GGT\[RRKTJK MKMK\KTY TUUJ`GQKROPQ `OPT ]UXJZ JK ZKXSOPT OT GL]OPQOTM SKZ ROJ ' UVMKYINUXZ ZUZ ZKT NUUMYZK &- ]KQKT#
'#
(#
)#
,NPFHBI ' ;BNDQKKFKD
&# 4K \KXM[TTOTM OY RUIGZOK " KT XKINZY VKXYUUTYMKHUTJKT KT TOKZ U\KXJXGGMHGGX KT QGT [OZYR[OZKTJ ]UXJKT MKYZKRJ ZKT TGSK \GT JK UTJKXTKSKX#
5KT GGTJKRKTZXGTYGIZOK! OTJOKT JK \KXM[TTOTM OY \KXRKKTJ GGT KKT XKINZYVKXYUUT!
]UXJZ OT JK`K \KXUXJKTOTM MKROPQ MKYZKRJ SKZ KKT ]OP`OMOTM \GT JK UTJKXTKSKX JUUX OTJOXKIZK U\KXJXGINZ \GT JK \KXM[TTOTM! ZKT MK\URMK ]GGX\GT JK \KXM[TTOTM QUSZ ZK
\KX\GRRKT#
8T JK \KXM[TTOTM ]UXJZ ZK\KTY JK TGGS \GT JK HKNKKXJKX Y \KXSKRJ#
1GT JK \KXM[TTOTM ]UXJKT \UUXYINXOLZKT KT HKVKXQOTMKT \KXHUTJKT# 4K`K NKHHKT OT KRQ MK\GR HKZXKQQOTM UV/
G# JK UVKTOTMY" KT YR[OZOTMYZOPJKT \GT JK YVKKRG[ZUSGZKTNGR0 NKZ ZUK`OINZ OT JK YVKKRG[ZUSGZKTNGR0
NKZ GGTZGR YVKKRG[ZUSGZKT KT YVKRKXYVRGGZYKT OT JK YVKKRG[ZUSGZKTNGR JGZ SGM ]UXJKT UVMKYZKRJ UL GGT]K`OM SGM `OPT#
7KZ Z_VK YVKKRG[ZUSGZKT JGZ SGM ]UXJKT UVMKYZKRJ! ]UXJZ \GYZMKRKMJ OT JK
\KXM[TTOTM0
JK K^VRUOZGZOK \GT JK NGR0 JK OTXOINZOTM \GT JK NGR0 H#
I#
J#
K#
L#
M# NKZ TKSKT \GT SGGZXKMKRKT JUUX JK \KXM[TTOTMNU[JKX US MUQ\KXYRG\OTM HOP QGTYYVKRKXY ZKMKT ZK MGGT KT$UL ZK HKVKXQKT#
N# JK RKMOZOSGZOK\KXVROINZOTM \UUX HK`UKQKXY \GT JK OTXOINZOTM! NKZ OY JK
\KXM[TTOTMNU[JKX \KXHUJKT VKXYUTKT ZUKMGTM ZK \KXRKTKT ZUZ JK
YVKKRG[ZUSGZKTNGR JOK JK RKKLZOPJ \GT &- PGGX TUM TOKZ NKHHKT HKXKOQZ! UL ]GGX\GT TOKZ UV JK[MJKROPQK ]OP`K OY \GYZMKYZKRJ JGZ JK`K JK RKKLZOPJ \GT &- PGGX NKHHKT HKXKOQZ#
*# 4K \KXM[TTOTMGGT\XGGM ]UXJZ OT KRQ MK\GR HKUUXJKKRJ UV/
G# UVKTHGXK UXJK SUZOK\KT0 H# OTLXGYZX[IZ[[X0
I# \RUKXUVVKX\RGQZK \GT JK YVKKRG[ZUSGZKTNGR0
J# HKRKOJ UV \UUXQUSKT \GT \KXYRG\OTM JUUX JK GGT\XGMKX KT K^VRUOZGTZ#
+# 4K \KXM[TTOTMNU[JKX \KXQXOPMZ HOTTKT KKT ZKXSOPT \GT SG^OSGGR & PGGX TG OTMKHX[OQTGSK \GT JK YVKKRG[ZUSGZKTNGR NKZ 4K9?1"IKXZOLOIGGZ OT`GQK GS[YKSKTZYIKTZXG#
,NPFHBI ( <BFDBNFKDODNLKABK! " LKPEBCCFKD
&# 5KT \KXM[TTOTM UL UTZNKLLOTM QGT JUUX JK H[XMKSKKYZKX ]UXJKT MK]KOMKXJ OT NKZ HKRGTM \GT/
G# JK UVKTHGXK UXJK0 H# JK UVKTHGXK \KOROMNKOJ0 I# JK \URQYMK`UTJNKOJ0
J# JK HKYINKXSOTM \GT NKZ SOROK[#
'# 4K \KXM[TTOTM ]UXJZ OT KRQ MK\GR MK]KOMKXJ OTJOKT/
G# TOKZ ]UXJZ \URJGGT GGT JK HKVGROTMKT HOP UL QXGINZKTY JK DKZ UV JK QGTYYVKRKT0
H# NKZ SG^OSGGR GGTZGR \GT ' \KXM[TTOTMKT \UUX KKT YVKKRG[ZUSGZKTNGR OY
\KXRKKTJ0
I# JK YVKKRG[ZUSGZKTNGR TOKZ [OZYR[OZKTJ XKINZYZXKKQY \GTGL JK UVKTHGXK ]KM
\UUX NKZ V[HROKQ ZUKMGTQKROPQ OY0
J# JK HKNKKXJKX Y JK RKKLZOPJ \GT '& PGGX TUM TOKZ NKKLZ NKHHKT HKXKOQZ0 K# JK UTJKXTKSKX UL HKNKKXJKX OT KTOM UV`OINZ \GT YRKINZ RK\KTYMKJXGM MKZ[OMZ0 L# JK UTJKXTKSKX UL JK HKNKKXJKX Y UTJKX I[XGZKRK YZGGZ YZGGT UL HK]OTJ OY
OTMKYZKRJ U\KX aaT UL SKKX GGT NKS ZUKHKNUXKTJK MUKJKXKT! GRY HKJUKRJ OT 2UKQ &! ZOZKR &.! \GT NKZ 2[XMKXROPQ DKZHUKQ0
M# ZKT GGT`OKT \GT JK UTJKXTKSKX GRY TGZ[[XROPQ VKXYUUT UL JK XKINZYVKXYUUT LGORROYYKSKTZ OY GGTMK\XGGMJ UL KKT VXUIKJ[XK \GT \KXKLLKTOTM UL Y[XYKGTIK
\GT HKZGROTM UL GQQUUXJ GGTNGTMOM OY MKSGGQZ#
N# JUUX JK GGT]K`OMNKOJ \GT JK YVKKRG[ZUSGZKTNGR TGGX NKZ UUXJKKR \GT JK H[XMKSKKYZKX JK RKKL" KT ]UUTYOZ[GZOK OT JK TGGYZK USMK\OTM UL NKZ QGXGQZKX
\GT JK ]OTQKRYZXGGZ$]OTQKRH[[XZ UV UTZUKRGGZHGXK ]OP`K TGJKROM ]UXJZ HKcT\RUKJ0
8# JK GGT\XGMKX JK HOP UL QXGINZKTY ZOZKR C1 \GT JK ]KZ MKYZKRJK HKVGROTMKT NKKLZ U\KXZXKJKT OT JK JXOK PGXKT \UUXGLMGGTJ GGT NKZ SUSKTZ \GT GGT\XGGM \GT JK
\KXM[TTOTM#
P# JK UTJKXTKSKX UT\URJUKTJK NKKLZ GGTMKZUUTJ ZK Q[TTKT KT `[RRKT HOPJXGMKT GGT VXK\KTZOK KT HKYZXOPJOTM \GT MUQ\KXYRG\OTM#
Q# KXTYZOM MK\GGX HKYZGGZ JGZ JK \KXM[TTOTM SKJK `GR ]UXJKT MKHX[OQZ US/
&# [OZ MKVRKKMJK YZXGLHGXK LKOZKT \KXQXKMKT ULZK \KXQXOPMKT! UV MKRJ ]GGXJKKXHGXK \UUXJKRKT ZK HKT[ZZOMKT! UL
'# YZXGLHGXK LKOZKT ZK VRKMKT! `UGRY HKJUKRJ OT GXZOQKR ( \GT JK DKZ HK\UXJKXOTM OTZKMXOZKOZYHKUUXJKOOTMKT JUUX NKZ UVKTHGGX HKYZ[[X#
(# 4K H[XMKSKKYZKX QGT UTZNKLLOTM \KXOKTKT \GT NKZ OKKLZOPJY\KXKOYZK! MKYZKOJ OT NKZ KKXYZK ROJ! UTJKX J#
,NPFHBI ) <FGTFDFKD ?BEBBNABN BK RBNR>IIBK R>K AB RBNDQKKFKD
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\GT JK \KXM[TTOTM GGT ZK \XGMKT HOTTKT aaT SGGTJ TGJGZ JK HKNKKXJKX `OPT NUKJGTOMNKOJ NKKLZ \KXOUXKT#
'# 4K HKYZGGTJK \KXM[TTOTM \KX\GRZ `UJXG JK UV JK \KXM[TTOTM \KXSKRJK UTJKXTKSKX UL K^VRUOZGTZ JK K^VRUOZGZOK LKOZKROPQ NKKLZ HKbOTJOMJ#
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H# JK UTJKXTKSKX UL JK HKNKKXJKX! ZKT`OP JK`K RGGZYZK [OZ `OPT JOKTYZHKZXKQQOTM SKZ UTSOJJKRROPQK OTMGTM JUUX JK UTJKXTKSKX ]UXJZ UTZYRGMKT! OT KTOM UV`OINZ \GT YRKINZ RK\KTYMKJXGM MKZ[OMZ! UTJKX I[XGZKRK YZGGZ YZGGT UL HK]OTJ OY OTMKYZKRJ U\KX aaT UL SKKX GGT NKT ZUKHKNUXKTJK `GQKT0
I# ZKT GGT`OKT \GT JK UTJKXTKSKX GRY TGZ[[XROPQ VKXYUUT UL JK XKINZYVKXYUUT LGORROYYKSKTZ OY GGTMK\XGGMJ UL KKT VXUIKJ[XK \GT \KXKLLKTOTM UL Y[XYKGTIK \GT HKZGROTM UL GQQUUXJ GGTNGTMOM OY MKSGGQZ#
J# JUUX JK GGT]K`OMNKOJ \GT JK YVKKRG[ZUSGZKTNGR TGGX NKZ UUXJKKR \GT JK
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K# JK K^VRUOZGZOK UL \KYZOMOTM \GT JK YVKKRG[ZUSGZKTNGR YZXOPJ UVRK\KXZ SKZ NKZ HKYZKSSOTMYVRGT ]GGXHOP NKZ \URJUKTJK GGTTKSKROPQ OY JGZ JOK YZXOPJOMNKOJ TOKZ `GR ]UXJKT UVMKNK\KT#
L# JK MKMXUTJK \XKKY HKYZGGZ JGZ NKZ \GT QXGINZ HROP\KT \GT JK K^VRUOZGZOK\KXM[TTOTM KKT MK\GGX `U[ UVRK\KXKT \UUX JK UVKTHGXK UXJK! JK \KOROMNKOJ! JK \URQYMK`UTJNKOJ!
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M# KXTYZOM MK\GGX HKYZGGZ JGZ JK \KXM[TTOTM SKJK ]UXJZ MKHX[OQZ US/
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I# OTJOKT \UUX JK K^VRUOZGZOK \GT KKT YVKKRG[ZUSGZKTNGRKT ZK\KTY KKT GTJKXK
\KXM[TTOTM OY \KXKOYZ KT JK`K \KXM[TTOTM OY OTMKZXUQQKT#
J# 8TJOKT JK K^VRUOZGZOK \GT JK YVKKRG[ZUSGZKTNGR \UUX KKT VKXOUJK \GT RGTMKX JGT `KY SGGTJKT ]UXJZ UTJKXHXUQKT#
!
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