9DFFLQH5HODWHG9LGHRV'RFXPHQWDULHV

$XGLR&OLSV
-DQXDU\DWDP

9DFFLQH5HODWHG9LGHRV'RFXPHQWDULHV $XGLR&OLSV
)LUVW'R1R+DUP+HDU7KLV:HOO

:LOOLDP7KRPSVRQ&'&:KLVWOHEORZHUKWWSVZZZ\RXWXEHFRPZDWFK"Y (.=(63,F

:KLVWOHEORZHU7KRPSVRQ
V&DOOWR&RQJUHVVKWWSVZZZ\RXWXEHFRPZDWFK"Y U6Y,TKJ

&'&:KLVWOHEORZHU$GPLWV0059DFFLQH$XWLVP/LQN)DFHERRN5($//<GRHVQ
WZDQWWKLV
YLGHREHLQJVKDUHGDQGEORFNVDQ\WKLQJWKDWOLQNVWRLWVRLI\RXZDQWWRVHHLWJRWR
\RXWXEH GRDVHDUFKIRUWKHYLGHRZLWKWKLVWLWOH
635($',7&'&:KLVWOHEORZHU$GPLWV0059DFFLQH$XWLVP/LQN

&'&&KLHI$GPLWVWKDW9DFFLQHV7ULJJHU$XWLVPKWWSVZZZ\RXWXEHFRPZDWFK"Y 'K
QN'/6,J
'U6WHSKDQLH6HQHIIGLVFXVVHVWKHSRWHQWLDOFRQQHFWLRQEHWZHHQYDFFLQHVDQGDXWLVP
KWWSVZZZ\RXWXEHFRPZDWFK"Y R3Z98+SF
:KDWWKH&'&:RQ
W7HOO<RX$ERXW693ROLR9DFFLQHVDQG&DQFHU
KWWSVZZZ\RXWXEHFRPZDWFK"Y 40+2T2$G8

7KH1(:)/86KRWKWWSVZZZ\RXWXEHFRPZDWFK"Y ;SQ)%8KV IHDWXUH \RXWXEH


7HVWLPRQ\VXSSRUWLQJ+DELOOSURSRVLQJWRDGGSDUHQWFKRLFHWRWKHRSWLRQVRQ
YDFFLQHH[HPSWLRQVKWWSVZZZ\RXWXEHFRPZDWFK"Y M,068$SH:

7R[LFRORJLVW%R\G+DOH\RQ9DFFLQHV0HUFXU\ $OXPLQXPUHIXWHVFODLPVRI3DXO2IILW
KWWS\RXWXEHGPM[X*,FJ

0HJDQ+HLPHU0RVWRI,QWHUYLHZZLWK0HHWWKH3UHVVGLVFXVVHVYDFFLQHVODZ
UHVHDUFKKWWSVZZZIDFHERRNFRPYLGHRSKS"Y 
,QWURGXFWLRQWR+HDU7KLV:HOO,KDWHLWZKHQYLGVUHSHDW GLVWRUWSKUDVHVIRUHPSKDVLV WKHILUVW
VKRUWYLGLQWKLVOLVWGRHVWKDW6WLOOWKHOLVWLVZHOOZRUWKFKHFNLQJRXW
KWWS\RXWXEH:V/X5;FSJ"OLVW 3/-S32E;S=QF2I7E*JKJN9E1[MGBE1H

6LOHQW(SLGHPLF8QWROG6WRU\KWWSVZZZ\RXWXEHFRPZDWFK"
Y .P7MRN98 IHDWXUH \RXWXEHBJGDWDBSOD\HU

9DFFLQDWLRQ7KH+LGGHQ7UXWKKWWSVZZZ\RXWXEHFRPZDWFK"
Y +GY.]Q$L)OV IHDWXUH \RXWXEH

'U7HQSHQQ\:KDWWKH&'&GRFXPHQWVVD\DERXWYDFFLQHVKWWSVZZZ\RXWXEHFRPZDWFK"
Y 09Z9%P[1J IHDWXUH \RXWXEH

'5&+5,66+$:$/80,180,17+(%2'<KWWSVZZZ\RXWXEHFRPZDWFK"Y )I7R8U)3$
$OXPLQXPLVWR[LFWRDOOOLIHIRUPV7KHFDVHDJDLQVWDOXPLQXPLQYDFFLQHV6X]DQQH
+XPSKULHV0'KWWSVZZZ\RXWXEHFRPZDWFK"Y $$N]/:15/R
9DFFLQHVDQG&KLOGKRRG,OOQHVVHV%H\RQG7KLPHURVDO'DYLG$\RXE0'
KWWSVZZZ\RXWXEHFRPZDWFK"Y 1\)LW)

%28*+7)5((9,(:,1*/,1.FXUUHQWO\YLHZDEOHXQWLO6HSWHPEHU
WKKWWSZZZERXJKWPRYLHQHWIUHHYLHZLQJ

%RXJKW3OD\OLVWKWWSVZZZ\RXWXEHFRPZDWFK"
Y FZ$D29MR OLVW 3/L6386=10UFX4/F;-GO(='UU<\

%RXJKW([SHUWV:HELQDU9DFFLQHVDQG<RXU)DPLO\'DZQ
/RXJKERURXJKKWWSVZZZ\RXWXEHFRPZDWFK"Y XJ-0W)RZ
%RXJKW([SHUWV:HELQDU9DFFLQHV'U7RQL%DUNKRVWV'U6KHUUL
7HQSHQQ\KWWSVZZZ\RXWXEHFRPZDWFK"Y 94-;G$G4
%RXJKW0RYLH6KRUW'U6WHSKDQLH6HQHIIRQ9DFFLQHVKWWSVZZZ\RXWXEHFRPZDWFK"
Y .%)[%,
7KH$XWLVP2QH *HQHUDWLRQ5HVFXH&RQJUHVVLRQDO
3DQHOKWWSVZZZ\RXWXEHFRPZDWFK"Y ZZ'3F1G[-4 DSS GHVNWRS
$XWLVP0DGHLQWKH86$KWWSVZZZ\RXWXEHFRPZDWFK"Y IZX\[\%8PZ< IHDWXUH \RXWXEH

7KH*UHDWHU*RRG
&HQVRUVKLSVXFNV )DLU8VH*HWV,JQRUHG:LOOXSGDWHGHOHWHGYLGHRVDV,

ILQGQHZOLQNVKWWSVZZZ\RXWXEHFRPZDWFK"Y RBQ:S=+$4

0HU\O1DVV9DFFLQHVKWWSVZZZ\RXWXEHFRPZDWFK"Y RLPT<U'LZ IHDWXUH \RXWXEH
+RZ9DFFLQHV+DUP&KLOG%UDLQ'HYHORSPHQW'U5XVVHOO%OD\ORFN
0'KWWSVZZZ\RXWXEHFRPZDWFK"Y 4%F0<TOD'V IHDWXUH \RXWXEH
:K\9DFFLQHV$UHQ
W6DIH)RU<RXU&KLOGUHQKWWSVZZZ\RXWXEHFRPZDWFK"Y ZM=HTYBKTN(

9DFFLQH
V6DIHW\$&ULPH$JDLQVW+XPDQLW\KWWSVZZZ\RXWXEHFRPZDWFK"Y &$-E=L-1N
9$&&,1(6a0DU\7RFFRa([SODLQV(YHU\WKLQJ<281HHG7R
.QRZKWWSVZZZ\RXWXEHFRPZDWFK"Y R'<EL'*Q4

/HWKDO,QMHFWLRQ7KH6WRU\2I9DFFLQDWLRQKWWSVZZZ\RXWXEHFRPZDWFK"
Y K,7<,7U$ IHDWXUH \RXWXEH
7KH([SORGLQJ$XWRLPPXQH(SLGHPLFKWWSVZZZ\RXWXEHFRPZDWFK"Y <X'Y56Y\]<
9DFFLQH1DWLRQKWWSVZZZ\RXWXEHFRPZDWFK"Y 'I,'E1<F, IHDWXUH \RXWXEH
'LUHFW2UGHUKWWSVZZZ\RXWXEHFRPZDWFK"Y Z''0VY(UV4Z
7UXWKEHKLQGYDFFLQDWLRQVKWWSVZZZ\RXWXEHFRPZDWFK"Y 34V97O0V4U,
$XGLR&OLSV&'&3RVVLELOLW\RI$XWLVPKWWSVKDU\ODWWNLVVRQFRPFGFSRVVLELOLW\WKDWYDFFLQHV
UDUHO\WULJJHUDXWLVP
'U6X]DQQH+XPSKULHV5DGLR,QWHUYLHZ,QIDQW,PPXQLW\
$OXPLQXPKWWSVZZZ\RXWXEHFRPZDWFK"Y =4<5419( IHDWXUH \RXWXEH
6PRNH 0LUURUV3ROLR &KDQJLQJWKH'LDJQRVLV&ULWHULD6X]DQQH+XPSKULHV0'
VSHDNLQJRQ3ROLRDWWKH$VVRFLDWLRQRI1DWXUDO+HDOWK
&RQIHUHQFHKWWSVZZZ\RXWXEHFRPZDWFK"Y 7ZFK7Q1V
$XWLVPLV75($7$%/($SULOZLWK0DUFHOOD3LSHU7HUU\
06KWWSVZZZ\RXWXEHFRPZDWFK"Y 7%D8IOW,6RW 
'U$QGUHZ0RXOGHQ7ROHUDQFH/RVW3OD\OLVWVKWWSVZZZ\RXWXEHFRPSOD\OLVW"
OLVW 3/$'$%'&'%KWWSVZZZ\RXWXEHFRPSOD\OLVW"OLVW 3/($%%'
KWWSVZZZ\RXWXEHFRPSOD\OLVW"OLVW 3/$

3RZHUIXO9LGHRV$OO3DUHQWV6KRXOG:DWFKKWWSJRRJO<=4

%(17/<
6*21(a9DFFLQH'RVHV0RQWKV2OGa$OLVD1HDWKHU\
6DOOLH(ONRUG\KWWSZZZEORJWDONUDGLRFRPWKHPDU\DQGVDOOLHVKRZEHQWO\VJRQH
YDFFLQHGRVHVPRQWKVROGDOLVDQHDWKHU\VDOOLHHONRUG\
$PHULFDQVKWWSZZZHZJRUJQHZVYLGHRVDPHULFDQV

'U3HWHU*OLGGHQ1'_:K\<RX6KRXOG)LUH<RXU0'1RZKWWSVZZZ\RXWXEHFRPZDWFK"
Y WD1=PZMY<4
'LVFXVVHVKLVWRU\RIRXU0HGLFDO(VWDEOLVKPHQWKWWSVZZZ\RXWXEHFRPZDWFK"
Y 8Q536Y8WB)V

'RFWRUVZKRH[SODLQFOHDUO\ZK\YDFFLQHVDUHQ
WVDIHRUHIIHFWLYH9HUVLRQ6RPHRIWKH
OLQNVLQWKLVVHFWLRQPD\EHUHGXQGDQW
'U1DQF\%DQNVKWWSELWO\,SD,P

'U5XVVHOO%OD\ORFNKWWSELWO\%;[4=/
'U6KLY&KRSUDKWWSELWO\JGJKV
'U6KHUUL7HQSHQQ\KWWSELWO\039EM[
'U6X]DQQH+XPSKULHVKWWSELWO\V.'EI
'U/DUU\3DOHYVN\KWWSELWO\//(MI
'U7RQL%DUNKWWSELWO\&<05%
'U$QGUHZ:DNHILHOGKWWSELWO\0X\1]R
'U0HU\O1DVVKWWSELWO\'*]-VF
'U5D\PRQG2ERPVDZLQKWWSELWO\*=;<O
'U*KLVODLQH/DQFWRWKWWSELWO\0U9H8/
'U5REHUW5RZHQKWWSELWO\6,(/H)
'U'DYLG$\RXEKWWSELWO\6,(/YH
'U%R\G+DOH\3K'KWWSELWO\.VG9E\
'U5DVKLG%XWWDUKWWSELWO\J:2N/
'U5RE\0LWFKHOOKWWSELWO\JGJ(=8
'U.HQ6WROOHUKWWSELWO\039T/,
'U0D\HU(LVHQVWHLQKWWSELWO\//(T++
'U)UDQN(QJOH\3K'KWWSELWO\2+E/',
'U'DYLG'DYLVKWWSELWO\JGJ-ZR
'U7HW\DQD2EXNKDQ\FKKWWSELWO\=N'U+DUROG(%XWWUDPKWWSELWO\.UX'I
'U.HOO\%URJDQKWWSELWO\'SI4
'U5&7HQWKWWSELWO\039ZPX
'U5HEHFFD&DUOH\KWWSELWO\.)G
'U$QGUHZ0RXOGHQKWWSELWO\IZ].-X
'U-DFN:ROIVRQKWWSELWO\ZW3+5$
'U0LFKDHO(OLFHKWWSELWO\.VGS.$
'U7HUU\:DKOVKWWSELWO\J:2%KG
'U6WHSKDQLH6HQHIIKWWSELWO\2W:[$<
'U3DXO7KRPDVKWWSELWO\'SH;3I
0DQ\GRFWRUVWDONLQJDWRQFHKWWSELWO\039+2Y

'U5LFKDUG0RVNRZLW]KWWSELWO\2W:*'
'U-DQH2ULHQWKWWSELWO\0;;SE
'U5LFKDUG'HWKKWWSELWO\*4'/
'U/XFLMD7RPOMHQRYLFKWWSELWO\HTL3U
'U&KULV6KDZKWWSELWO\,O*L%S
'U6XVDQ0F&UHDGLHKWWSELWO\&TT1
'U0DU\$QQ%ORFNKWWSELWO\2+F\8;
'U'DYLG%URZQVWHLQKWWSELWO\(D+O$
'U-D\QH'RQHJDQKWWSELWO\Z2N=]
'U7UR\5RVVKWWSELWO\,O*O1+
'U3KLOLS,QFDRKWWSELWO\JK(V6
'U-RVHSK0HUFRODKWWSELWO\G(,
'U-HII%UDGVWUHHWKWWSELWO\0D;F&
'U5REHUW0HQGHOVRQKWWSELWO\-S$(4U
'U*DUWK1LFROVRQKWWSELWO\249-V)
'U0DUF*LUDUGKWWSELWO\LZVP7
'U&KDUOHV5LFKHWKWWSELWO\***M
'U=DF%XVKKWWSELWO\/62=
0DQ\PRUHGRFWRUVWHVWLI\LQJWKDWYDFFLQHVDUHQ
WVDIHRUHIIHFWLYHLQWKHVHGRFXPHQWDULHV
9DFFLQDWLRQ7KH6LOHQW(SLGHPLFKWWSELWO\YY4-:
7KH*UHDWHU*RRGKWWSELWO\LF[KM
6KRWV,Q7KH'DUNKWWSELWO\2EW&K
9DFFLQDWLRQ7KH+LGGHQ7UXWKKWWSELWO\.(<'8K
9DFFLQH1DWLRQKWWSELWO\L.1YS8
9DFFLQDWLRQ7KH7UXWK$ERXW9DFFLQHVKWWSELWO\YOSZY8
/HWKDO,QMHFWLRQKWWSELWO\851%%RXJKWKWWSELWO\0<6OU
'HDGO\,PPXQLW\KWWSELWO\.8J=
$XWLVP0DGHLQWKH86$KWWSELWO\-:41
%H\RQG7UHDVRQKWWSELWO\%NPYW
7UDFH$PRXQWVKWWSELWO\Y$++Y
:K\:H'RQ
W9DFFLQDWHKWWSELWO\.E;KXI
$XWLVP<HVWHUGD\KWWSELWO\858$

&DQFHU7KH)RUELGGHQ&XUHV:KLOHQRWVSHFLILFDOO\YDFFLQHUHODWHGLIZDWFKDELWLWFRYHUV
VRPHYHU\UHOHYDQWDVSHFWVUHJDUGLQJWKHKLVWRU\ RULJLQVRIRXUSUHVHQW0HGLFDO,QVWLWXWLRQV
KWWSVZZZ\RXWXEHFRPZDWFK"Y NPFT41)W(V
'<,1*72+$9(.12:1KWWSZZZVQDJILOPVFRPILOPVWLWOHG\LQJBWRBKDYHBNQRZQ

7KH%HDXWLIXO7UXWK*HUVRQ&DQFHU7KHUDS\KWWSVZZZ\RXWXEHFRPZDWFK"

Y GP231B\3N
$VDOZD\V,ZRXOGVXJJHVWHYDOXDWLQJSHRSOHE\WKHTXDOLW\ VLQFHULW\RIZKDWWKH\

SHUVRQDOO\KDYHWRVD\UDWKHUWKDQMXVWZKDWWKHLUGHWUDFWRUVVD\DERXWWKHP7KHUHLVD
FRQFHUWHGHIIRUWEDFNHGE\9(5<SRZHUIXOLQWHUHVWVZLWK9$67VXPVRIPRQH\WRGLVFUHGLW
VODQGHUDQ\RQHSDUWLFXODUO\ZLWKLQWKHVFLHQWLILFRUKHDOWKFDUHFRPPXQLWLHVZKRGDUHVWR
VSHDNRXWUHJDUGLQJWKHSUDFWLFH GDQJHUVRIYDFFLQHV
7DJVOLVWHGKHUHIRUHGLWLQJSXUSRVHV)LUVWGRQRKDUPYDFFLQHYDFFLQHVYDFFLQDWLRQ
FDUFLQRJHQLFLW\RQFRJHQLFLQIHFWLRXVDOOHUJHQLFDOOHUJLFDOOHUJ\DOOHUJLHVSDWKRJHQFDQFHU
3ROLR690HPRU\+ROHPXWDJHQLFLW\JHQHWLFGLVRUGHUVLPSDLUPHQWRIIHUWLOLW\VWHULOL]DWLRQ
VSRQWDQHRXVDERUWLRQVPLVFDUULDJHVWLOOELUWKVFRQJHQLWDOFOLQLFDOWR[LFRORJ\QRWHYDOXDWHGIRU
VDIHW\RUHIILFDF\LQSUHJQDQWZRPHQDUWLILFLDOLPPXQLW\PDWHUQDOLPPXQLW\QDWXUDOLPPXQLW\
VKHGVKHGGLQJOHJDOLQGHPQLW\QRDFFRXQWDELOLW\)'$&'&UHJXODWRU\FDSWXUHLPPXQL]DWLRQ
PDQGDWRU\GUDFRQLDQIDVFLVWKHUGSURWHFWFKLOGUHQFKLOGEDE\EDELHVSKDUPDFHXWLFDOPHGLFDO
PDILDVFDQGDOERXJKWIDLUXVHHGXFDWLRQDOFHQVRUVKLSJUHDWHUJRRGHSLGHPLFUHYLVLRQLVW
KLVWRU\RULJLQVUDFNHWEODFNRXWFULPLQDOFRQIOLFWRILQWHUHVWVFRQVSLUDF\PHGLD\HOORZ
MRXUQDOLVPIHDUPRQJHULQJK\VWHULFVFRUUXSWLRQFURQ\LVPFRYHUXSWKLPHURVDOPHUFXU\
3RO\VRUEDWH06*DGMXYDQWDOXPLQXP+HDU7KLV:HOO&'&:KLVWOHEORZHU-XOLH*HUEHUGLQJ
:LOOLDP7KRPSVRQ3RXO7KRUVHQ0DXULFH+LOOHPDQ)UDQN'H6WHIDQR)UDXGH[SRVHGPHGLD
EODFNRXWIDVFLVPPHDVO\PHDVOHVDXWLVPWLFV6,'668'6DXWRLPPXQHGLVRUGHUGLVDELOLWLHV
GHDWKHXJHQLFVJHQRFLGHGHPRFLGHOLDELOLW\DFFRXQWDELOLW\0$/35$&7,&(%DWWHU\0HGLFDO
*DVOLJKWLQJQXWULWLRQKHDOWKERWDQLFDO*HUVRQWKHUDS\6WHSKDQLH6HQHII%R\G+DOH\<HKXGD
6KRHQIHOG7HW\DQD2EXNKDQ\FK9LHUD6FKHLEQHU6X]DQQH+XPSKULHV6KHUUL7HQSHQQ\0DU\
7RFFR'DYLG$\RXE/RXLVH+DEDNXV3DXO7KRPDV&KULV6KDZ5XVVHOO%OD\ORFN7RQL
%DUN/HRQDUG+RURZLW]*X\ODLQH/DQFWRW5REHUW0HQGHOVRKQ$ODQ&DQWZHOO.HOO\%URJDQ-DFN
:ROIVRQ-RVHSK0HUFROD*DU\1XOO$QGUHZ:DNHILHOG2FFXS\3URKLELWLRQ