95/0(',$/,0,7('

ȠȥȭȜȪȫȤȜȥȫțȜȚȣȘȩȘȫȠȦȥȝȦȩȤȝȦȩȫȟȜȝȰȫȦșȜȪȬșȤȠȫȫȜțȘȣȦȥȞȮȠȫȟȜȣȠȞȠșȣȜȪȜȣȝȘȫȫȜȪȫȜțȚȜȩȫȠȝȠȜțȧȩȦȦȝȪȘȪȧȜȩȚȦȣȬȤȥȥȦ
ȝȦȩȤȥȦșșȪȶȶɃɆȽȶȚ
ȪɅȲɅȶȾȶȿɅɄȹɀɈȺȿȸɁȲɃɅȺȴɆȽȶɃɄɀȷȴȽȲȺȾɄȳɊȲȿȶȾɁȽɀɊȶȶȷɀɃȵȶȵɆȴɅȺɀȿɀȷɅȲɉɆȿȵȶɃɄȶȴɅȺɀȿɀȷȠȿȴɀȾȶȫȲɉȘȴɅ
ȥȲȾȶȲȿȵȲȵȵɃȶɄɄɀȷɅȹȶȜȾɁȽɀɊȶȶ

ȧȶɃȾȲȿȶȿɅȘȴȴɀɆȿɅȥɆȾȳȶɃɀȷɅȹȶȜȾɁȽɀɊȶȶ
țȲɅȶɀȷȡɀȺȿȺȿȸ
șɃȲȿȴȹȣɀȴȲɅȺɀȿɀȷɅȹȶȜȾɁȽɀɊȶȶ
țȶɄȺȸȿȲɅȺɀȿɀȷɅȹȶȜȾɁȽɀɊȶȶ
ȜȾɁȽɀɊȶȶȚɀȵȶ
ȤɀȳȺȽȶȥɀ
ȜȾȲȺȽȺȵ
țȶɅȲȺȽɄɀȷȴȽȲȺȾɄȲȿȵȶɇȺȵȶȿȴȶɅȹȶɃȶɀȷ

ȪȽȥɀ ȥȲɅɆɃȶɀȷȴȽȲȺȾ ȪȶȴɅȺɀȿ ȘȾɀɆȿɅȩɄ ȜɇȺȵȶȿȴȶɁȲɃɅȺȴɆȽȲɃɄɅɀȳȶɄɆȳȾȺɅɅȶȵȲɄɁɃɀɀȷɀȷȺȿɇȶɄɅȾȶȿɅ

    
+RXVH5HQW$OORZDQFH
2ULJLQDO5HQW5HFHLSWVRIHYHU\PRQWKZLWK5HYHQXH6WDPSRU5HQW
L5HQWSDLGWRWKHODQGORUG
$JUHHPHQW
LL1DPHRIWKHODQGORUG 5HQWUHFHLSWVZLWKRXWUHYHQXHVWDPSVVKDOOQRWEHFRQVLGHUHG
 $
LLL$GGUHVVRIWKHODQGORUG &RS\RI6HOIDWWHVWHG3$1RIODQGORUGWREHVXEPLWWHGLIWKHUHQWIRUWKH)<
LY3HUPDQHQW$FFRXQW1XPEHURIWKHODQGORUG H[FHHGV5V2QH/DNK
1RWH3HUPDQHQW$FFRXQW1XPEHUVKDOOEHIXUQLVKHGLIWKHDJJUHJDWHUHQW
 SDLGGXULQJWKHSUHYLRXV\HDUH[FHHGVRQHODNKUXSHHV
/HDYHWUDYHOFRQFHVVLRQVRUDVVLVWDQFH
'HGXFWLRQRILQWHUHVWRQERUURZLQJ+RXVLQJORDQLQWHUHVW
L,QWHUHVWSD\DEOHSDLGWRWKHOHQGHU
LL1DPHRIWKHOHQGHU7KH6DUDVZDW&RRS%DQN/WG
LLL$GGUHVVRIWKHOHQGHU
&HUWLILFDWHIURP%DQN)LQDQFLDO,QVWLWXWLRQ
 86E 7KH%DQNVWDWHPHQWVKDOOQRWEHFRQVLGHUHG

LY3HUPDQHQW$FFRXQW1XPEHURIWKHOHQGHU
D¬¬)LQDQFLDO,QVWLWXWLRQVLIDYDLODEOH
E¬¬(PSOR\HULIDYDLODEOH
F¬¬¬2WKHUV
'HGXFWLRQXQGHU&KDSWHU9,$
$6HFWLRQ&&&&DQG&&'
L6HFWLRQ&
&HUWLILFDWHIURP%DQN)LQDQFLDO,QVWLWXWLRQ 6WDWHPHQWIURPEDQNVKDOO
D 5HSD\PHQWRI+RXVLQJ/RDQ3ULQFLSDO QRWEHFRQVLGHUHG
&RS\RI3D\PHQW5HFHLSW3DVVERRN
E 3XEOLF3URYLGHQW)XQG33) WKHSURRIRI33)DFFRXQWVKDOODOVRWREHVXEPLWWHG

&RS\RI3UHPLXP3D\PHQW5HFHLSWDORQJZLWK6WDWHPHQWRISUHPLXP
F /LIH,QVXUDQFH3UHPLXP SURSRVDOUHFHLSWZLOOQRWEHFRQVLGHUHG

&
G 16&1DWLRQDO6DYLQJ&HUWLILFDWH &RS\RI16&&HUWLILFDWH
H 0XWXDO)XQG1RWLILHG86' &HUWLILHGFRS\RI6WDWHPHQWRI+ROGLQJ
7HUP'HSRVLWZLWK6FKHGXOH%DQNLQDQRWLILHG6FKHPHIRUDWHUPQRWOHVV &RS\RI)'5HFHLSW $SSOLFDEOH,QFRPHWD[SURYLVLRQVWREHLQGLFDWHG
I FOHDUO\RQWKHUHFHLSWV
WKDQ)LYH\HDUV
7XLWLRQ)HHV3DLG2QO\IXOOWLPHHGXFDWLRQWXLWLRQIHHVSDLGDQ\,QGLDQ &RS\RI3D\PHQW5HFHLSWIURP6FKRRO RQO\WXLWLRQIHHVVKDOOEHFRQVLGHUHG
J HYHQLIWKHUHFHLSWRIIHHVFRQWDLQVRWKHUIHHV
8QLYHUVLW\&ROOHJHDQG6FKRRO
K ,QWHUHVWRQ16&3XUFKDVHG 6WDWHPHQWUHJDUGLQJGDWHRISXUFKDVH DPRXQW
J 6XNDQ\D6DPULGGKL$FFRXQW &RS\RI'HSRVLW5HFHLSW3DVVERRN
J 1DWLQDO6DYLQJ6FKHPH &RS\RI166&HUWLILFDWHV

LL¬6HFWLRQ&&&
LLL6HFWLRQ&&'

LY0HGLFODLPSUHPLXPRQWKHKHDOWKVHOIVSRXVHSDUHQWV RUGHSHQGHQW
' 0HGLFODLP3ROLF\&RS\RU3UHPLXP&HUWLILFDWH
FKLOGUHQRIWKHWD[SD\HU

Y([SHQGLWXUHRQ+DQGLFDSSHGGHSHQGHQWZKRLVDSHUVRQGLVDELOLW\ ''

&HUWLILFDWHIURP3UHVFULEHG$XWKRULW\LQ)RUP1R,$6HF''
YL6HFWLRQ''%
'HGXFWLRQLQUHVSHFWRIPHGLFDOWUHDWPHQW²KLPVHOIRUZKROO\PDLQO\
GHSHQGHQWKXVEDQGZLIHFKLOGUHQSDUHQWVEURWKHUVDQGVLVWHUVRIWKHWD[ ''% &HUWLILFDWHIURP3UHVFULEHG$XWKRULW\LQ)RUP1R6HF''%
SD\HU
%2WKHUVHFWLRQVHJ(*77$HWFXQGHU&KDSWHU9,$
,QWHUHVWSDLGFHUWLILFDWHIURP%DQN)LQDQFLDO,QVWLWXWLRQ
L,QWHUHVWRQ+LJKHU(GXFDWLRQ/RDQ ( 6WDWHPHQWIURPEDQNVKDOOQRWEHFRQVLGHUHG

2ULJLQDOGRQDWLRQUHFHLSW 3$1RI'RQQLH $SSOLFDEOH,QFRPHWD[

LL'RQDWLRQWR5HJLVWHUHG7UXVW *
SURYLVLRQVWREHLQGLFDWHGFOHDUO\RQWKHUHFHLSWV
LLLVHFWLRQ««««««
LYVHFWLRQ««««««
YVHFWLRQ««««««
ȭȶɃȺȷȺȴȲɅȺɀȿțȶȴȽȲɃȲɅȺɀȿȷɃɀȾɅȹȶȶȾɁȽɀɊȶȶ

ǡ ̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴ ǡ•‘Ȁ†ƒ—‰Š–‡” ‘ˆ̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴̴†‘ Š‡”‡„› …‡”–‹ˆ› –Šƒ–ǡ –Š‡ ‹ˆ‘”ƒ–‹‘ ‰‹˜‡ ƒ„‘˜‡ ƒ”‡ …‘’Ž‡–‡ ƒ† …‘””‡…–Ǥ …‘‡
ƒš Ž‹ƒ„‹Ž‹–› ƒ”‹•‹‰ †—‡ –‘ ˆƒ‹Ž—”‡ǡ ‹ˆ ƒ›ǡ ˆ‘” ‘– ƒ‹‰ Ȁ ‘– ‹–‹ƒ–‹‰ –Š‡ ’ƒ›‡– ‘ˆ ‹˜‡•–‡– ƒ†‡ „› ‡ ƒ† Ȁ ‘” ƒ› ™”‘‰ †‡…Žƒ”ƒ–‹‘ ‘” ™”‘‰ Ȁ ‹ŽŽ‡‰ƒŽ Ȁ ˆ‘”‰‡† •—„‹••‹‘ ‘ˆ ’”‘‘ˆ ‘ˆ
†‡…Žƒ”ƒ–‹‘• ™‘—Ž† „‡ › ”‡•’‘•‹„‹Ž‹–›Ǥ  ˆ—”–Š‡” —†‡”–ƒ‡ –‘ •—„‹– ™‹–Š –Š‡ …‘’ƒ›ǡ –Š‡ •‡Žˆ ƒ––‡•–‡† †‘…—‡–ƒ”› ’”‘‘ˆ•Ȁ ‡˜‹†‡…‡• ‘ˆ ƒŽŽ •—…Š ˜‡•–‡–• ƒ• ‹†‹…ƒ–‡† ƒ„‘˜‡ ƒ• ’‡” …‘Ž—
‘Ǥ ͷǡ ˆ‘” –Š‡  ʹͲͳͻǦʹͲǡ ‘ ‘” „‡ˆ‘”‡ ͸–Š ‘ˆ ƒ”…Š ʹͲʹͲ Ǥ —”–Š‡”ǡ ‹ˆ  ˆƒ‹Ž –‘ †‘ •‘ Ȁ •—„‹••‹‘ ‘ˆ ‹Ǧ…‘’Ž‡–‡Ȁ ‘Ǧ•‡Žˆ ƒ––‡•–‡† ’”‘‘ˆ•ǡ  ƒ—–Š‘”‹œ‡ –Š‡ …‘’ƒ› –‘ ƒ‡ ˆ—ŽŽ Ȁ ƒ’’Ž‹…ƒ„Ž‡
†‡†—…–‹‘• ‘ˆ ‹…‘‡ –ƒš †—‡• ‹ˆ ƒ›ǡ ˆ‘” –Š‡  ʹͲͳͻǦʹͲ ȋ’”‹ŽǦʹͲͳͻ –‘ ƒ”…ŠǦʹͲʹͲȌ ˆ”‘ › •ƒŽƒ”› ˆ‘” –Š‡ ‘ˆ ƒ”…Š ʹͲʹͲǤ  ˆ—”–Š‡” †‡…Žƒ”‡ –Šƒ–ǡ  Šƒ˜‡ ‘– …Žƒ‹‡† –Š‡ •–ƒ†ƒ”† †‡†—…–‹‘ Ȁ•Ǥ ͳ͸
‘ˆ•ǤͷͲǡͲͲͲȀǦˆ”‘ƒ›‘–Š‡”’”‡˜‹‘—•‡’Ž‘›‡‡–•†—”‹‰–Š‡ ʹͲͳͻǦʹͲ‘–Š‡”–Šƒ‡†‹ƒ‹‹–‡†Ǥ

ȪȺȸȿȲɅɆɃȶɀȷɅȹȶȶȾɁȽɀɊȶȶ
ȧȽȲȴȶ
ȝɆȽȽȥȲȾȶ
țȲɅȶ