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7/31/2019 Rural Continuums of Care: HUD's Homeless Assistance Program (2009) http://slidepdf.com/reader/full/rural-continuums-of-care-huds-homeless-assistance-program-2009 1/64 F\H‐] FGDLCL]] I]]@]XIOML QZGEZID] Z|zic Mgox`o||d} gn Mizl K|ol# :110 \/]/ Hlqizxdlox gn Fg|}`oe ioh \zjio Hl~lcgqdlox Gnn`ml gn Mgdd|o`xp Qcioo`oe ioh Hl~lcgqdlox

Rural Continuums of Care: HUD's Homeless Assistance Program (2009)

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F\H‐]FGDLCL]] I]]@]XIOML QZGEZID]

Z|zic Mgox`o||d} gn Mizl

K|ol# :110

\/]/ Hlqizxdlox gn Fg|}`oe ioh \zjio Hl~lcgqdloxGnn`ml gn Mgdd|o`xp Qcioo`oe ioh Hl~lcgqdlox

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qlzd`}}`go nzgd \/]/ Hlqizxdlox gn Fg|}`oe ioh \zjio Hl~lcgqdlox/ M`xix`go gn xfl }g|zml `}iqqzlm`ixlh/ Xf`} q|jc`mix`go dip ogx jl zlqzgh|mlh gz h`}xz`j|xlh ngz i nll u`xfg|x xfl }qlm`n`muz`xxlo i|xfgz`{ix`go gn xfl Gnn`ml gn ]qlm`ic Ollh} I}}`}xioml Qzgezid}# Gnn`ml gn Mgdd|o`xpQcioo`oe ioh Hl~lcgqdlox# \/]/ Hlqizxdlox gn Fg|}`oe ioh \zjio Hl~lcgqdlox/

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Z\ZIC MGOX@O\\D] GN MIZL Xijcl gn Mgoxlox}

@oxzgh|mx̀ go /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////9

Jimbezg|oh /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////9Q|zqg}l Gn Xf`} E|`hl ////////////////////////////////////////////////////////////////////////////////////////////////////////9Hln`o`x`go gn Fgdlcl}}ol}} /////////////////////////////////////////////////////////////////////////////////////////////////9G~lz~`lu gn xf`} E|`hl/////////////////////////////////////////////////////////////////////////////////////////////////////////:

Mfiqxlz 9; G~lz~`lu gn xfl Mgox`o||d gn Mizl ]p}xld /////////////////////////////////////////////////////////=@oxzgh|mx`go//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////=Jimbezg|oh /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////=Mgox`o||d gn Mizl Gzeio`{ix`go ioh Q|zqg}l////////////////////////////////////////////////////////////////////8L}xijc`}f`oe i Mgox`o||d gn Mizl ///////////////////////////////////////////////////////////////////////////////////////8Jloln`x} gn Jl`oe Qizx gn i Mgox`o||d gn Mizl////////////////////////////////////////////////////////////////////>Zle`goic gz ]xixlu`hl ioh Jicioml gn ]xixl Mgox`o||d} gn Mizl //////////////////////////////////////>

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@omzli}`oe ]|qqgzx //////////////////////////////////////////////////////////////////////////////////////////////////////6 Di`oxi`o`oe ^`}`j`c`xp ioh Ixxlox`go Xfzg|ef Olxugzb`oe ioh Ih~gmimp/////////////////////0 Dli}|z`oe Qzgezl}} xg ]|}xi`o N|oh`oe /////////////////////////////////////////////////////////////////////0 

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Mfiqxlz =; Qzg~`h`oe ]lz~`ml} Xfzg|ef Z|zic Mgox`o||d} gn Mizl////////////////////////////////////9=@oxzgh|mx`go////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////9=]lz~`ml Dghlc} Ngz Z|zic Izli}////////////////////////////////////////////////////////////////////////////////////////9=

Mloxzic̀ {lh ]lz~`ml} /////////////////////////////////////////////////////////////////////////////////////////////////98 ]qlm`ic̀ {lh ]lz~`ml} /////////////////////////////////////////////////////////////////////////////////////////////////9< F|j ioh ]qgbl Dghlc///////////////////////////////////////////////////////////////////////////////////////////////9< 

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Xzio}qgzxix`go Qzgezid}///////////////////////////////////////////////////////////////////////////////////////////9> Ih~ioml Mgdd|o`mix`go U`xf ]lz~`ml Qzg~`hlz}/////////////////////////////////////////////////////95 Dgj`cl ]lz~`ml \o`x}//////////////////////////////////////////////////////////////////////////////////////////////////96 

]xzixle`l} ngz G~lzmgd`oe Mc`lox @}gcix`go ////////////////////////////////////////////////////////////////////////96Iqqzgimfl} xg G|xzlimf ///////////////////////////////////////////////////////////////////////////////////////////96 @hlox`np`oe Qlgqcl Ufg Zly|`zl ]lz~`ml} /////////////////////////////////////////////////////////////////:1 

Z|zic Mgox`o||d} gn Mizl ``

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H`}}ld`oix`oe @ongzdix`go ijg|x I~i`cijcl ]lz~`ml} ////////////////////////////////////////////////:1 ]xzixle`l} ngz Ugzb`oe U`xf Di`o}xzlid Qzg~`hlz} ///////////////////////////////////////////////////////////:9

]xzloexflo`oe Zlcix`go}f`q} U`xf Di`o}xzlid Qzg~`hlz} /////////////////////////////////////////:9Flicxf# Dloxic Flicxf# ioh ]|j}xioml Ij|}l ]lz~`ml}////////////////////////////////////////////:= Kgj Xzi`o`oe ioh Xzio}`x`goic Ldqcgpdlox' Ldqcgpdlox I}}`}xioml ioh Xzi`o`oe /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////:8 Hgdl}x`m ̂ `gcloml/////////////////////////////////////////////////////////////////////////////////////////////////////:> Nggh ioh O|xz`x`go ]lz~`ml} //////////////////////////////////////////////////////////////////////////////////////:5 ]mfggc}//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////:5 

Ixximfdlox =/9; Zlh Ncie} xg I`h ̀ o @hlox`n`mix`go gn Fgdlcl}} ]x|hlox}//////////////////////// :6Mfiqxlz 8; Zl}g|zml} ngz Qzg~`h`oe Qlzdiolox# Xzio}`x`goic# ioh LdlzelompFg|}`oe//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////:0

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Ldlzelomp ioh Xzio}`x`goic Fg|}`oe////////////////////////////////////////////////////////////////////////////////=:]g|zml} gn N|oh} ngz Z|zic Mgox`o||d}////////////////////////////////////////////////////////////////////////////==

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@oxzgh|mx`go////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////81Qg`ox$@o$X`dl Mg|ox Dlxfghgcge`l} //////////////////////////////////////////////////////////////////////////////////89

Mgoh|mx`oe i Q|jc`m Qciml} Q@X Mg|ox G~lz i Hl}`eoixlh Qlz`gh gn X`dl //////////////89Mgoh|mx`oe i ]lz~`ml$Ji}lh Q@X Mg|ox////////////////////////////////////////////////////////////////////8: Mgdj`o`oe i ]lz~`ml$Ji}lh Q@X Mg|ox ioh Q|jc`m Qciml} Mg|ox ////////////////////////////8: J`ioo|ic Mg|ox}////////////////////////////////////////////////////////////////////////////////////////////////////////8: 

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J|`ch`oe ioh ]|}xi`o`oe Qizxolz}f`q}////////////////////////////////////////////////////////////////////////////////8<@hlox`np i Zioel gn Qg}}`jcl Qizxolz} ///////////////////////////////////////////////////////////////////////8> Mgoh|mx Imx`~l G|xzlimf //////////////////////////////////////////////////////////////////////////////////////////85 Bllq Qizxolz} @o~gc~lh Jlxullo Dllx`oe} //////////////////////////////////////////////////////////////86 Q|jc`m`{l xfl Mgox`o||d‐} Imf`l~ldlox} /////////////////////////////////////////////////////////////////86 Dibl @x Jgxf N|o ioh Ugzxfuf`cl /////////////////////////////////////////////////////////////////////////////80 

Mgdd|o`mix`go ioh Gzeio`{ix`go /////////////////////////////////////////////////////////////////////////////////////80Niml$xg$Niml Mgoximx////////////////////////////////////////////////////////////////////////////////////////////////<1 Zlic$X`dl Lclmxzgo`m Mgdd|o`mix`go} /////////////////////////////////////////////////////////////////////<9

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Ixximfdlox >/9; ]idqcl Dldgzioh|d gn \ohlz}xioh`oe////////////////////////////////////////////////<6

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@OXZGH\MX@GO JIMBEZG\OH

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MFIQXLZ 9; G^LZ^@LU GN XFL MGOX@O\\D GN MIZL]P]XLD

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• Xfl ]|qqgzx`~l Fg|}`oe Qzgezid &]FQ) qzgezid `} hl}`eolh xg qzgdgxl xflhl~lcgqdlox gn fg|}`oe ioh }|qqgzx`~l }lz~`ml} xg i}}`}x fgdlcl}} qlz}go} `o xfl xzio}`x`gonzgd }xzllx} ioh }flcxlz} xg qlzdiolox fg|}`oe ioh div`d|d }lcn$}|nn`m`lomp/ @x qzg~`hl}xfl ngccgu`oe;

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Mfiqxlz 9; G~lz~`lu gn xfl Mgox`o||d gn Mizl ]p}xld

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• Xfl ]flcxlz Qc|} Mizl &]"M) qzgezid `} hl}`eolh xg lo}|zl xfl i~i`cij`c`xp gn }|qqgzx`~lfg|}`oe gqqgzx|o`x`l} ngz fgdlcl}} qlgqcl u`xf h`}ij`c`x`l} ioh xfl`z nid`c`l} jp qzg~`h`oexfld u`xf zloxic i}}`}xioml/ ]"M fi} i qz`dizp ngm|} go qlz}go} ufg izl }lz`g|}cpdloxiccp `cc2 ufg fi~l mfzgo`m qzgjcld} u`xf icmgfgc# hz|e} gz jgxf2 gz ufg fi~l F@^'I@H]/Xfzg|ef xf`} qzgezid# ng|z xpql} gn zloxic i}}`}xioml izl i~i`cijcl; xloiox$ji}lh# qzgklmx$ji}lh# }qgo}gz$ji}lh# ioh ]ZG/ ]"M mio jl lnnlmx`~l `o z|zic izli} j|x n|oh`oe `} c`d`xlhioh xfl iqqc`mix`go qzgml}} `} f`efcp mgdqlx`x`~l/

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MGOX@O\\D GN MIZL GZEIO@[IX@GO IOH Q\ZQG]L

MgM} izl dg}x mgddgocp gzeio`{lh izg|oh xug di`o egic} ” qcioo`oe ngz xfl fgdlcl}}fg|}`oe ioh }lz~`ml }p}xld `o i mgdd|o`xp ioh iqqcp`oe ngz n|oh`oe nzgd xfl F\H‐}

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L]XIJC@]F@OE I MGOX@O\\D GN MIZL

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• Hln`o`oe i mgox`o||d‐} elgeziqf`m mg~lziel; Elgeziqfp mio qcip i }`eo`n`miox zgcl `ohlxlzd`o`oe fgu i mgox`o||d ̀ } gzeio`{lh/ Hlm`h`oe lvimxcp uflzl xg hziu xfl jg|ohiz`l}ngz i mgox`o||d mio jl i mficcloel `o }gdl z|zic izli}/ Dgzl mg~lziel dlio} dgzlqgxlox`ic qizxolz} ioh zl}g|zml}/ Fgul~lz# `x ic}g dlio} dgzl ugzb xg mggzh`oixl iohqgxlox`iccp dgzl h`~lzelox qzgjcld} ioh `oxlzl}x} `n xfl xlzzi`o gz `}}|l} izl h`nnlzlox `o~iz`g|} qizx} gn xfl elgeziqf`m izli/ Z|zic ezg|q} ollh xg ul`ef xfl}l qzg} ioh mgo} i}xflp hlxlzd`ol uflzl xg l}xijc`}f xfl`z jg|ohiz`l}/ Ngz l}xijc`}flh mgox`o||d}#zlmgeo`{`oe h`nnlzlox ollh} ioh `oxlzl}x} imzg}} xfl elgeziqf`m izli `} l}}lox`ic ngzng}xlz`oe lnnlmx`~l mgccijgzix`go/

Z|zic Mgox`o||d} gn Mizl 8

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Mfiqxlz 9; G~lz~`lu gn xfl Mgox`o||d gn Mizl ]p}xld

• ]lclmx`oe i clih gzeio`{ix`go; I }xzgoe clih gzeio`{ix`go `} mz`x`mic xg xfl }|mml}} gn imgox`o||d/ I clih gzeio`{ix`go xfix fi} }xzgoe clihlz}f`q# imml}} xg zl}g|zml}# ioh f`ef~`}`j`c`xp mio qzg~`hl i mgox`o||d u`xf xfl mzlh`j`c`xp ollhlh xg ixxzimx jzgih$ji}lhqizx`m`qix`go `o xfl mgdd|o`xp/ Mgdd|o`x`l} }fg|ch# xflzlngzl# mizln|ccp zl~`lu xfl`zmfg`ml}# uf`mf `omc|hl i fgdlcl}} mgic`x`go# i eg~lzodlox ielomp# gz ogoqzgn`x clihlz}f`q/E`~lo xfl c`d`xlh miqim`xp ioh zl}g|zml} `o diop z|zic izli}# `x dip jl mficcloe`oe xg

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Z|zic Mgox`o||d} gn Mizl >

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Mfiqxlz 9; G~lz~`lu gn xfl Mgox`o||d gn Mizl ]p}xld

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Z|zic Mgox`o||d} gn Mizl 5

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Z|zic Mgox`o||d} gn Mizl 6

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Z|zic Mgox`o||d} gn Mizl 0

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Ciu longzmldlox gnn`mlz} izl iogxflz lvidqcl gn io `dqgzxiox zl}g|zml ngz fg|}`oe ioh }lz~`mlqzg~`hlz} ufg ugzb u`xf fgdlcl}} qgq|cix`go}/ @o }gdl `o}xioml}# }|mf gnn`mlz} dip jl ijcl xgxzio}qgzx io `oh`~`h|ic gz nid`cp `o mz`}`} xg i }lz~`ml qzg~`hlz/ @o gxflz `o}xioml}# xfl gnn`mlz dipjl ijcl xg iclzx xfl qzg~`hlz xfix io `oh`~`h|ic `o ollh gn i}}`}xioml `} xg jl zlcli}lh nzgdm|}xghp# iccgu`oe xfl qzg~`hlz x`dl xg izzioel ngz xfl xzio}qgzxix`go ollhlh xg i}}`}x xfl`oh`~`h|ic/

H`}}ld`oix`oe @ongzdix`go ijg|x I~i`cijcl ]lz~`ml}

Cimb gn iuizlol}} ijg|x i~i`cijcl }lz~`ml} `} i ezlix jizz`lz xg lnnlmx`~l }lz~`ml hlc`~lzp/Dib`oe di`o}xzlid ioh fgdlcl}}$}qlm`n`m qzg~`hlz} n|ccp iuizl gn icc gn xfl }lz~`ml} gnnlzlhxfzg|ef xfl mgox`o||d u`cc iccgu xfld xg mgoolmx xfl`z fgdlcl}} ioh oliz$fgdlcl}} mc`lox} u`xficc i~i`cijcl }|qqgzx`~l zl}g|zml}/ ]xlq} }gdl z|zic mgox`o||d} fi~l xiblo xg lo}|zl xfix`ongzdix`go `} u`hlcp i~i`cijcl `omc|hl xfl ngccgu`oe;

• Mgoh|mx`oe g|xzlimf ioh l}xijc`}f`oe zlcix`go}f`q} u`xf qzg~`hlz} ufg mgdl `oxg h`zlmxmgoximx u`xf xfg}l ufg izl fgdlcl}} gz ix z`}b gn jlmgd`oe fgdlcl}} xg lh|mixl xfldijg|x xfl }lz~`ml} gnnlzlh jp xfl mgox`o||d

• Mgdq`c`oe |q$xg$hixl c`}x} gn }lz~`ml qzg~`hlz}# xfl qizx`m|ciz }lz~`ml} xflp gnnlz# ioh m|zzloxmgoximx `ongzdix`go

Z|zic Mgox`o||d} gn Mizl :1

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Mfiqxlz =; Qzg~`h`oe ]lz~`ml} Xfzg|ef Z|zic Mgox`o||d} gn Mizl

• Qg}x`oe }|mf c`}x} xg i mloxzic ulj}`xl# h`}xz`j|x`oe ~`i i c`}x}lz~# ioh'gz qzg~`h`oe xfld `ofizh mgqp

• Qzg~`h`oe xfl c`}x} ogx gocp xg mgox`o||d dldjlz}# j|x ic}g xg i u`hl zioel gn gxflz }lz~`mlqzg~`hlz} `o xfl mgdd|o`xp# `omc|h`oe ciu longzmldlox# }gm`ic }lz~`ml ielom`l}# }mfggc }xinn#ioh zlc`e`g|} mgdd|o`x`l}

• \qhix`oe zl}g|zml c`}x} qlz`gh`miccp &H`}xz`j|x`oe |qhixlh `ongzdix`go }lz~l} i} iogqqgzx|o`xp xg hg ihh`x`goic g|xzlimf xg zld`oh xfg}l ufg mgdl `oxg mgoximx u`xf fgdlcl}}mc`lox} ijg|x xfl i~i`cijcl zl}g|zml}/

@n xfl mgox`o||d fi} i mggzh`oixgz# xfix qlz}go `} |}|iccp `o i eggh qg}`x`go xg lo}|zl xfix xfl}lb`oh} gn g|xzlimf imx`~`x`l} mgomlzo`oe i~i`cijcl }lz~`ml} izl mgoh|mxlh/

Mgdd|o`xp Qizxolz}

Cgmic ciu longzmldlox gnn`mlz} ioh fg}q`xic }gm`ic ugzblz} izl `dqgzxiox}xzixle`m qizxolz} `o lnngzx} xg qzg~`hl }lz~`ml} xg xfl z|zic fgdlcl}}/ Xfl}l`oh`~`h|ic} izl go xfl nzgox c`ol# ioh gnxlo lomg|oxlz `oh`~`h|ic} `o ollh#qizx`m|cizcp xfg}l xfix izl fizhl}x xg zlimf ioh zlc|mxiox xg }llb flcq/Mgox`o||d dldjlz} mio flcq jp qzg~`h`oe `ongzdix`go ijg|x xfl ldlzelomp iohxzio}`x`goic fg|}`oe gqx`go} i~i`cijcl `o xfl`z izli}/ @ongzdix`go ijg|x uflzlfgdlcl}} nid`c`l} ioh `oh`~`h|ic} mio eg xg elx ji}`m }lz~`ml} }|mf i} nggh#dlh`mic mizl# }|j}xioml ioh icmgfgc ij|}l xzlixdlox# gz l~lo jcioblx} `n xfl`oh`~`h|ic `} ogx u`cc`oe gz ijcl xg n`oh }flcxlz `} ic}g l}}lox`ic/ Xf`} b`oh gnmggzh`oix`go lo}|zl} xfix uflo nzgox$c`ol }xinn lomg|oxlz} }gdlgol ufg `}fgdlcl}} gz oliz$fgdlcl}}# xflp fi~l xfl zl}g|zml} xg mgoolmx xfix `oh`~`h|icu`xf xfl }|qqgzx`~l }lz~`ml}/

Uflo i fgdlcl}} `oh`~`h|ic hgl} mgoximx i qzg~`hlz `x `} `dqgzxiox xg }l`{l xfl gqqgzx|o`xp xglh|mixl f`d gz flz ijg|x icc i~i`cijcl }lz~`ml}/ Xfl dgzl fgdlcl}} qlgqcl bogu ijg|x xfl}lz~`ml} i~i`cijcl xg xfld ioh fgu xg imml}} xfg}l }lz~`ml}# xfl dgzl ijcl xflp u`cc jl xggjxi`o flcq ngz xfld}lc~l}/ Mgox`o||d qizxolz} }fg|ch jl lomg|zielh xg h`}xz`j|xl xf`} c`}xuflol~lz xflp }lz~l i fgdlcl}} mc`lox/

]XZIXLE@L] NGZ UGZB@OE U@XF DI@O]XZLID QZG^@HLZ]

]xzloexflo`oe Zlcix`go}f`q} U`xf Di`o}xzlid Qzg~`hlz}

Xflzl izl ~lzp nlu fgdlcl}}$}qlm`n`m }lz~`ml qzg~`hlz} `o dg}x z|zic izli}/ H|l xg i cgumgomloxzix`go gn fgdlcl}} `oh`~`h|ic} ioh nid`c`l} `o iop e`~lo z|zic izli# `x |}|iccp `} ogx mg}xlnnlmx`~l ngz qzg~`hlz} xg }lz~l xfl fgdlcl}} qgq|cix`go lvmc|}`~lcp/ Mgo}ly|loxcp# di`o}xzlid}lz~`ml qzg~`hlz} `o z|zic izli} gnxlo qzg~`hl d|cx`qcl xpql} gn mizl xg d|cx`qcl qgq|cix`go}#`omc|h`oe xfl fgdlcl}} qgq|cix`go/

Uflxflz ngzdic dldjlz} gn xfl MgM gz ogx# di`o}xzlid }lz~`ml qzg~`hlz} gnxlo mio jloln`xnzgd `ongzdix`go ijg|x xfl fgdlcl}} }lz~`ml} gnnlzlh jp gxflz} `o xfl izli i} ulcc i} x`q} xg

bllq `o d`oh uflo }lz~`oe i fgdlcl}} mc`lox/ Z|zic mgox`o||d} mio }|qqgzx xfl`z di`o}xzlidqzg~`hlz} `o }lz~`oe fgdlcl}} mc`lox} `o i ~iz`lxp gn uip}# `omc|h`oe xfl ngccgu`oe;

• @hlox`np uip} ngz di`o}xzlid qzg~`hlz} xg xizelx }lz~`ml} xg xfl fgdlcl}} ioh ix$z`}b`oh`~`h|ic} dg}x `o ollh gn xfl }lz~`ml}/ Ngz lvidqcl# fg|}`oe i|xfgz`x`l} mio zlimf g|xxg fgdlcl}} nid`c`l} `o io lnngzx xg lo}|zl xfix xfg}l dg}x `o ollh gjxi`o zloxic i}}`}xioml/

• @hlox`np uip} xg dixmf fgdlcl}} ioh ix$z`}b `oh`~`h|ic} u`xf lv`}x`oe }lz~`ml} ngzuf`mf xflp izl lc`e`jcl/ Mgox`o||d} mio ugzb u`xf di`o}xzlid qzg~`hlz} xg flcq `hlox`npmc`lox} xfix dip jl lc`e`jcl ngz gxflz }lz~`ml}/ Ngz lvidqcl# ihh`oe }`dqcl }mzllo`oe

Z|zic Mgox`o||d} gn Mizl :9

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Mfiqxlz =; Qzg~`h`oe ]lz~`ml} Xfzg|ef Z|zic Mgox`o||d} gn Mizl

y|l}x`go} xg `oxlz~`lu qzgxgmgc} mio flcq }xinn ix i nggh qioxzp gz dlh`mic mloxlz hlxlzd`oluflxflz i nid`cp fi} imml}}lh icc gn xfl o|xz`x`goic }|qqgzx qzgezid} ngz uf`mf `x `} lc`e`jcl/

• Flcq di`o}xzlid qzg~`hlz} ioicp{l xfl`z qzgezid} xg n`oh uip} xg dibl xfld dgzlimml}}`jcl xg fgdlcl}} mc`lox} ufg dip ollh xfl }lz~`ml}/ Fgdlcl}} mc`lox} c`~`oe `o xfl`zmiz}# `o lomidqdlox}# gz dg~`oe nzgd qciml xg qciml hg ogx fi~l io ihhzl}} ioh xflzl dip

jl gxflz lvxlo|ix`oe m`zm|d}xioml}# }|mf i} dloxic `ccol}}# xfix mgdqc`mixl lnngzx} xg zlimfg|x xg xfld/ ]|mml}}n|c z|zic mgox`o||d} zlimf g|x xg di`o}xzlid qzg~`hlz}# flcq`oe xfldioicp{l ioh ihiqx xfl`z qzimx`ml} xg dgzl lnnlmx`~lcp }lz~l xfl fgdlcl}} qgq|cix`go/

Di`o}xzlid Ihiqxix`go

Ix i di`o}xzlid kgj qcimldlox ielomp `o xfl ul}xlzo \o`xlh ]xixl}# fgdlcl}}mc`lox} ulzl ijcl xg qciml micc} `oy|`z`oe ijg|x ldqcgpdlox/ Fgul~lz# ngz xfg}lu`xf og xlclqfgol }lz~`ml# xflzl ui} og uip ngz qgxlox`ic ldqcgplz} xg micc xfldjimb/ Ix xfl |ze`oe gn MgM dldjlz}# xfl ielomp ihiqxlh `x} qzimx`ml} iohjleio gnnlz`oe micc$jimb o|djlz} xfzg|ef xfl ielomp‐} ~g`ml di`c }p}xld i} i}qlm`ic }lz~`ml ngz fgdlcl}} mc`lox} u`xfg|x xlclqfgol }lz~`ml/

I }xzgoe zlcix`go}f`q u`xf xfl }xinn gn di`o}xzlid }lz~`ml qzg~`hlz}# mcliz `ongzdix`go ijg|x fgu

di`o}xzlid qzg~`hlz} mio jl}x flcq xfg}l ufg izl fgdlcl}} gz oliz$fgdlcl}}# ioh zle|cizmgdd|o`mix`go izl l}}lox`ic lcldlox} gn l}xijc`}f`oe i di`o}xzlid }lz~`ml hlc`~lzp }p}xldxfix dllx} xfl ollh} gn xfl fgdlcl}} qgq|cix`go/ Xflzl izl i o|djlz gn g|xzlimf dlxfgh}z|zic mgox`o||d} mio mgo}`hlz xg loeiel di`o}xzlid qzg~`hlz};

• Gzeio`{`oe xzi`o`oe l~lox}# h`}xz`j|x`oe qidqfclx}# ioh qzg~`h`oe xggc} ioh x`q} ~`iolu}clxxlz} gz c`}x}lz~} xg e`~l di`o}xzlid qzg~`hlz} xfl `ongzdix`go xflp ollh xg dgzllnnlmx`~lcp ihhzl}} xfl ollh} gn fgdlcl}} mc`lox}

• Fg}x`oe c|omflgo}# zg|ohxijcl h`}m|}}`go}# gz gxflz l~lox} xfix qzgdgxl olxugzb`oejlxullo di`o}xzlid ioh fgdlcl}}$}qlm`n`m qzg~`hlz}

• ]mflh|c`oe niml xg niml dllx`oe} u`xf di`o}xzlid }lz~`ml qzg~`hlz} xg h`}m|}} fgu xfl`z

qizx`m|ciz }lz~`ml} mg|ch jl ihiqxlh gz lofiomlh xg jlxxlz dllx xfl ollh} gn fgdlcl}}mc`lox}

• Nim`c`xix`oe h`}m|}}`go} ijg|x fgu di`o}xzlid qzg~`hlz} mio mgccijgzixl ioh mggzh`oixldgzl mcg}lcp u`xf limf gxflz ioh fgdlcl}}$}qlm`n`m gzeio`{ix`go} xg dibl xfl g~lzicc}p}xld dgzl }lidcl}} ngz fgdlcl}} mc`lox}

• @o~`x`oe di`o}xzlid }lz~`ml qzg~`hlz} xg kg`o xfl MgM ioh ngzdic`{`oe xfl`z zgcl `o xflqcioo`oe ioh }lz~`ml hlc`~lzp qzgml}}

• Zle|cizcp mgdd|o`mix`oe jp qfgol ioh jp ldi`c u`xf `oh`~`h|ic di`o}xzlid qzg~`hlz} ijg|xxfl }xix|} gn `oh`~`h|ic fgdlcl}} mc`lox}

Mgox`o||d} mio qizxolz u`xf di`o}xzlid qzg~`hlz} `o diop izli}/ Xfl |qmgd`oe }lmx`go}

h`}m|}} xfl ngccgu`oe;• Flicxf# dloxic flicxf ioh }|j}xioml ij|}l }lz~`ml}

• Kgj xzi`o`oe ioh xzio}`x`goic ldqcgpdlox }lz~`ml}

• Hgdl}x`m ~`gcloml }lz~`ml}

• Nggh ioh o|xz`x`go }lz~`ml}

• ]mfggc}

Z|zic Mgox`o||d} gn Mizl ::

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Mfiqxlz =; Qzg~`h`oe ]lz~`ml} Xfzg|ef Z|zic Mgox`o||d} gn Mizl

Flicxf# Dloxic Flicxf# ioh ]|j}xioml Ij|}l ]lz~`ml}

Ihhzl}}`oe dpz`ih flicxf `}}|l} `omc|h`oe qfp}`mic flicxf# hloxic flicxf# dloxic flicxf# iohihh`mx`go h`}gzhlz} `} gnxlo h`nn`m|cx `o z|zic izli} jlmi|}l }lz~`ml} xg ihhzl}} xfl}l qzgjcld}izl nlu ioh niz jlxullo# ioh z|zic qgq|cix`go} xloh xg hlcip }llb`oe flicxf mizl# clih`oe xgdgzl }lz`g|} flicxf qzgjcld}# uf`mf mio mzlixl ihh`x`goic }xzi`o} ngz xfl flicxf }lz~`ml}

hlc`~lzp }p}xld/ Z|zic izli} |}|iccp hg ogx fi~l }qlm`ic`{lh }lz~`ml} }|mf i} }|j}xioml ij|}lxzlixdlox gz dloxic flicxf }lz~`ml} ioh diop x`dl}# xfl gocp i~i`cijcl }lz~`ml} izl ng|oh ix xflcgmic fg}q`xic‐} ldlzelomp zggd/

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C`bl xfl FGDL XJZI qzgezid# ]lmx`go 6 Fg|}`oe Mfg`ml ^g|mflz} iccgu `oh`~`h|ic} iohnid`c`l} xg n`oh xfl`z guo zloxic fg|}`oe go xfl qz`~ixl zloxic dizblx/ Cgu$`omgdl ~g|mflz

fgchlz} izl ijcl xg inngzh dizblx$zixl zlox} go i cgoe$xlzd ji}`} xfzg|ef i }|j}`hp qi`h jp xflqzgezid h`zlmxcp xg xfl guolz gn xfl |o`x/ ]|mf ~g|mflz} izl ihd`o`}xlzlh jp Q|jc`m Fg|}`oeIelom`l} &QFI}/ Uflo i~i`cijcl# xflp izl io lvmlcclox uip xg flcq fgdlcl}} qlgqcl gjxi`o}xijcl fg|}`oe `o z|zic izli}/ Fgul~lz# Fg|}`oe Mfg`ml ^g|mflz} izl ogx icuip} io gqx`go/

QFI} xfix }lz~l z|zic izli} izl zlcix`~lcp zizl# dlio`oe xfix `o }gdl z|zic izli} Fg|}`oeMfg`ml ^g|mflz} izl ogx i~i`cijcl/ Fgul~lz# }gdl }xixlu`hl QFI} ihd`o`}xlz xfl Fg|}`oe

Z|zic Mgox`o||d} gn Mizl =9

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Mfiqxlz 8; Zl}g|zml} ngz Qzg~`h`oe Qlzdiolox# Xzio}`x`goic# ioh Ldlzelomp Fg|}`oe

Mfg`ml ^g|mflz qzgezid ngz xfl qizx} gn i }xixl ogx mg~lzlh jp i cgmic QFI/:5 Dgzlg~lz# `nxflzl `} og ]lmx`go 6 qzgezid `o i qizx`m|ciz izli# i z|zic mgox`o||d mio i}b xfl ]xixl QFI xgmgo}`hlz `dqcldlox`oe i –Jicioml gn ]xixl— ]lmx`go 6 qzgezid/ I ]xixl QFI mio }lz~l xfl izlimg~lzlh jp xfl z|zic mgox`o||d ioh mio mgoh|mx g|xzlimf xg iqqc`miox} dg}x `o ollh# `o gzhlz xgqzl~lox ioh iccl~`ixl fgdlcl}}ol}}/:6 Xfg}l dg}x `o ollh d`efx `omc|hl xizelx qgq|cix`go}}|mf i} nid`c`l}# ~lxlzio}# ~`mx`d} gn hgdl}x`m ~`gcloml# xfl qfp}`miccp h`}ijclh# `oh`~`h|ic} u`xf

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• Hln`o`x`go gn Fgdlcl}}/ Xfl xfzll mgdqlx`x`~lcp$n|ohlh DmB`oolp$^loxg qzgezid} &]FQ#]"M ioh ]ZG izl zl}lz~lh ngz xfg}l ufg dllx F\H‐} hln`o`x`go gn fgdlcl}}ol}}# i}hl}mz`jlh `o xfl ̀ oxzgh|mx`go xg xf`} e|`hljggb/ H|l xg xfl }mizm`xp gn ldlzelomp }flcxlz}ioh i }xzgoe xzih`x`go gn xib`oe mizl gn gol iogxflz `o z|zic mgdd|o`x`l}# diop qlgqclu`xfg|x i fgdl gn xfl`z guo c`~l hg|jclh |q gz –mg|mf }|zn#— ioh xflzlngzl hg ogx dllx xflm|zzlox hln`o`x`go gn *fgdlcl}}* zly|`zlh ngz i}}`}xioml |ohlz xfl}l qzgezid}/ Ngz xf`}zli}go# i }`{lijcl qgzx`go gn xfl z|zic qgq|cix`go u`xfg|x }xijcl fg|}`oe m|zzloxcp ni`c} xgy|ic`np ngz i}}`}xioml |ohlz xfl mgdqlx`x`~l DmB`oolp$^loxg qzgezid}/

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Z|zic Mgox`o||d} gn Mizl =:

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Mfiqxlz 8; Zl}g|zml} ngz Qzg~`h`oe Qlzdiolox# Xzio}`x`goic# ioh Ldlzelomp Fg|}`oe

• Mc`lox} u`xf H`}ij`c`x`l}/ Xug gn xfl ng|z DmB`oolp$^loxg qzgezid} ” ]FQ &qlzdioloxfg|}`oe mgdqgolox ioh ]"M ” xizelx qlzdiolox fg|}`oe zl}g|zml} xg fgdlcl}} qlgqclu`xf h`}ij`c`x`l}/ Fgul~lz# gn xfg}l ufg |}l fgdlcl}} }lz~`ml} `o z|zic izli}# gocp ijg|x 9=qlzmlox izl `oh`~`h|ic} c`~`oe u`xf i h`}ij`c`xp/:0 \}`oe xfl}l n|oh} xg xfl lvxlox nli}`jcl mionzll |q gxflz zl}g|zml} xg dllx xfl ollh} gn xfl ogo$h`}ijclh qgq|cix`go/

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Z|zic Mgox`o||d} gn Mizl ==

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io inngzhijcl fg|}`oe |o`x/ Blp qzgezid} ngz z|zic mgox`o||d} xg lvqcgzl# gxflz xfio DmB`oolp$^loxg qzgezid}# `omc|hl xfl ngccgu`oe;

• FGDL; FGDL n|oh} izl h`}xz`j|xlh limf pliz xg icc }xixl} ioh qizx`m`qix`oe k|z`}h`mx`go}&QK}/ ]xixl FGDL n|oh} |}|iccp izl ihd`o`}xlzlh jp xfl ]xixl‐} Gnn`ml gn Mgdd|o`xpHl~lcgqdlox gz i }`d`ciz ielomp/== U`xf ]xixl} zlml`~`oe 81 qlzmlox gn xfl xgxic i~i`cijcl

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• Mgdd|o`xp Hl~lcgqdlox Jcgmb Eziox &MHJE) Qzgezid; MHJE n|oh} izl iccgmixlh xgl~lzp }xixl ioh xg lox`xcldlox mgdd|o`x`l} qz`diz`cp ngz imx`~`x`l} xfix jloln`x qlz}go} u`xfcgu gz dghlzixl$`omgdl}/ Z|zic izli} hg ogx y|ic`np i} lox`xcldlox mgdd|o`x`l} j|x =1qlzmlox gn n|oh`oe `} iccgmixlh xg }xixl} ioh d|}x jl }qlox `o ogo$lox`xcldlox mgdd|o`x`l}/Z|zic mgox`o||d} mio ugzb xg lo}|zl xfix MHJE n|oh} i~i`cijcl xg ogo$lox`xcldloxmgdd|o`x`l} izl xizelxlh `o uip} xfix jl}x dllx xfl ollh} gn xfl z|zic fgdlcl}} ioh ix$z`}bqgq|cix`go/ Xfl MHJE qzgezid `} nclv`jcl ioh mio jl |}lh xg n|oh ~iz`g|} xpql} gn imx`~`x`l}`omc|h`oe# j|x ogx c`d`xlh xg# fg|}`oe zlfij`c`xix`go# olu fg|}`oe mgo}xz|mx`go# cioh iohj|`ch`oe q|zmfi}l}# ioh q|jc`m ugzb}# }|mf i} uixlz ioh }lulz c`ol}/

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Z|zic Mgox`o||d} gn Mizl =8

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qzgezid zly|`zl} xfix `x} zloxic i}}`}xioml eziox} jl dixmflh u`xf io ly|ic ~ic|l gn }|qqgzx`~l}lz~`ml} ngz ]"M mc`lox}2 ioh xfl FGDL qzgezid zly|`zl} qizx`m`qix`oe k|z`}h`mx`go} xg dixmf :<qlzmlox gn ioo|ic h`zlmx lvqloh`x|zl} go FGDL qzgklmx} nzgd mgoxz`j|x`go} ngz inngzhijclfg|}`oe xfix mio mgdl nzgd i u`hl ~iz`lxp gn }g|zml}/

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Z|zic Mgox`o||d} gn Mizl =6

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Z|zic Mgox`o||d} gn Mizl =0

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Z|zic Mgox`o||d} gn Mizl 81

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Z|zic mgox`o||d} ic}g mio mgo}`hlz mgdj`o`oe xfl }lz~`ml$ji}lh iqqzgimf u`xf i q|jc`m qciml}mg|ox/ @o izli} u`xf nlu }lz~`ml qzg~`hlz} ioh i xlohlomp idgoe fgdlcl}} `oh`~`h|ic} xg nlohngz xfld}lc~l} zixflz xfio }llb g|x flcq# }gdl fgdlcl}} `oh`~`h|ic} dip ol~lz imml}}i~i`cijcl }lz~`ml} }g xfl }lz~`ml$ji}lh iqqzgimf icgol mio jl ̀ oihly|ixl/ Xfl q|jc`m qciml}mg|ox mio jl xizelxlh xg izli} uflzl fgdlcl}} qlgqcl izl boguo xg mgoezleixl# j|x u`xf }gd|mf zldgxl izli xg mg~lz xfl mfioml} gn d`}}`oe i qgzx`go gn xfl fgdlcl}} qgq|cix`go izlf`ef/ Jp mgdj`o`oe xfl}l xug iqqzgimfl}# z|zic mgox`o||d} mio g~lzmgdl xfl mf`lnh`}ih~ioxiel} gn limf/

Xfl mfioml} gn h|qc`mix`~l mg|ox} izl l~lo f`eflz uflo mgdj`o`oe jgxf iqqzgimfl}/ Uflomgdj`o`oe dlxfgh} `x `} `dqlzix`~l xg hl}`eo hixi mgcclmx`go dlxfgh} xfix i~g`h hg|jcl mg|ox`oezl}qgohlox} ufg dip jl `oxlz~`lulh xu`ml/ @omc|h`oe io lo|dlzix`oe y|l}x`go `o gzhlz xg i~g`hh|qc`mix`~l mg|ox} `} i xpq`mic }xzixlep ngz i~g`h`oe h|qc`mix`go/

J`ioo|ic Mg|ox}

F\H zly|`zl} xfix mgox`o||d} mgoh|mx xfl`z Q@X mg|ox ix }gdl qg`ox h|z`oe xfl ci}x xlomiclohiz hip} gn Kio|izp/ ]gdl z|zic izli} n`oh ̀ x ugzxf hl~gx`oe zl}g|zml} xg mgdqclx`oe xugmg|ox} h|z`oe xfl mg|z}l gn xfl pliz ” gol `o xfl }|ddlz ioh gol `o xfl u`oxlz/ Xf`} `}qizx`m|cizcp flcqn|c `o izli} xfix lvqlz`loml }`eo`n`miox mfioel} `o ulixflz jlxullo }li}go}&l/e/# lvxzldl} gn fgx `o xfl ]g|xflzo }xixl} ioh mgch `o xfl Ogzxflzo }xixl} ioh'gz }q`bl} `od`ezixgzp ugzblz} xg xfl izli ix h`nnlzlox x`dl} gn pliz/

Mgoh|mx`oe D|cx`qcl Mg|ox}

@o xfl z|zic izli} g|x}`hl gn Ci} ^lei}# xfl z|zic fgdlcl}} qgq|cix`go }q`bl}h|z`oe xfl }|ddlz dgoxf} h|l io `onc|v gn d`ezixgzp ugzblz}/ H|l xg xfl}ld`ezixgzp qgq|cix`go qixxlzo}# Ol~ihi mgoh|mx} xug Q@X mg|ox} l~lzp pliz ” gol`o Kio|izp ioh gol `o xfl }|ddlz/ Bogu`oe ufix nc|mx|ix`go} xg lvqlmxxfzg|efg|x xfl pliz iccgu} xfl mgox`o||d xg jlxxlz qcio ngz cgmic mpmc`mic ollh}/

Z|zic Mgox`o||d} gn Mizl 8:

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Mfiqxlz <; Hixi Mgcclmx`go; Xfl Qg`ox @o X`dl Mg|ox

IOOG\OM@OE XFL MG\OX

Xg lo}|zl i }|mml}}n|c mg|ox# z|zic mgox`o||d} ollh xg }qzlih xfl ugzh niz `o ih~ioml gn xflimx|ic mg|ox/ Ioog|om`oe xfl mg|ox `o ih~ioml flcq} cgmixl fgdlcl}} qlgqcl xfzg|ef }lcn$zlqgzx`oe ioh }lz~`ml qzg~`hlz zlqgzx`oe ioh iccgu} x`dl xg zlmz|`x ioh xzi`o ~gc|oxllz} iohqizxolz} xg flcq mgoh|mx xfl mg|ox/ Z|zic izli} fi~l |}lh xfl ngccgu`oe dlxfgh} xg elx xfl

ugzh g|x;• Cgmic dlh`i/ Olu}qiqlz} ioh zih`g }xix`go} izl lnnlmx`~l xggc} xg elx xfl ugzh g|x ijg|x

io |qmgd`oe mg|ox lnngzx/ Mgox`o||d} mio ugzb u`xf olu}qiqlz ioh zih`g g|xclx} xg z|o ioizx`mcl gz q|jc`m }lz~`ml ioog|omldlox ijg|x io |qmgd`oe mg|ox ioh immgdqiop `x u`xf iop`ongzdix`go ijg|x fgu xg qizx`m`qixl ioh ufg xg micc xg }lcn$zlqgzx/ @x dip jl dgzl lnnlmx`~lxg xiq cgmic olu}qiqlz} ioh zih`g g|xclx} zixflz xfio dikgz olu} }xix`go} &uf`mf izlelolziccp cgmixlh `o cizelz mgdd|o`x`l}/ Iop g|xzlimf qcio }fg|ch mizln|ccp mgo}`hlz xflcgmic izli uflo hlm`h`oe uf`mf dlh`i g|xclx} xg |}l/

• Di`o}xzlid qzg~`hlz}/ Di`o}xzlid qzg~`hlz} izl `dqgzxiox zl}g|zml} ngz qzg~`h`oefgdlcl}} i}}`}xioml `o z|zic izli} elolziccp# ioh mg|ox lnngzx} izl og lvmlqx`go/ Loeie`oedi`o}xzlid qzg~`hlz} xg miqx|zl jlxxlz mg|ox hixi ioh `omc|h`oe xfld `o mg|ox lnngzx} nzgd

xfl }xizx `} `dqgzxiox/ Z|zic mgox`o||d} mio mgoximx xfl}l ielom`l} ulcc `o ih~ioml gn xflmg|ox# zly|l}x`oe xfix xfl ielomp &9 bllq xzimb gn fgu xg cgmixl xfg}l ufg izl fgdlcl}} `oxfl ullb} qz`gz xg xfl Q@X mg|ox `n mgoh|mx`oe i q|jc`m qciml} mg|ox# gz &: zly|l}x`oe xfixxflp ihd`o`}xlz i }|z~lp xg xfl`z mc`lox} `n |}`oe i }lz~`ml$ji}lh iqqzgimf/ Goml xfl}lzlcix`go}f`q} u`xf di`o}xzlid qzg~`hlz} fi~l jllo l}xijc`}flh# mgox`o||d} mio li}`cpqizxolz u`xf xfld `o n|x|zl pliz}/ I} io ihhlh jgo|}# mgccijgzix`go go xfl Q@X mg|ox ic}gmio }lz~l i} xfl ji}`} ngz lofiom`oe go$eg`oe zlcix`go}f`q} u`xf qizx`m`qix`oe di`o}xzlidqzg~`hlz}/

• Mio~i}}`oe ioh di`c`oe lnngzx}/ Mio~i}}`oe ix cgmic mf|zmfl} ioh }lz~`ml gzeio`{ix`go}ioh xizelxlh di`c`oe lnngzx} mio jl io lnnlmx`~l uip xg zlmz|`x ~gc|oxllz} xg flcq mgoh|mx iq|jc`m qciml} mg|ox/

• Cgmic ciu longzmldlox/ Ciu longzmldlox gnn`m`ic} `o z|zic izli} gnxlo izl xfl n`z}x xg mgdl`oxg mgoximx u`xf fgdlcl}} `oh`~`h|ic} ioh nid`c`l} ioh izl |}|iccp `ox`dixlcp nid`c`iz u`xfufix egl} go `o xfl`z cgmic k|z`}h`mx`go/ Z|zic mgox`o||d} }fg|ch mgoximx cgmic ciulongzmldlox ngz x`q} go uflzl xg cgmixl xfl fgdlcl}} qgq|cix`go ioh xg mggzh`oixli~i`cij`c`xp xg l}mgzx qizx`m`qix`oe qizxolz} h|z`oe i mg|ox xg izli} xfix d`efx jl hioelzg|}gz zldgxl/

Z|zic G|xzlimf ngz Q@X Mg|ox}

Icijidi jle`o} q|jc`m`{`oe xfl`z mg|ox ng|z ullb} `o ih~ioml `o gzhlz xg flcqn`oh xfl h`nn`m|cx$xg$zlimf z|zic fgdlcl}} qgq|cix`go `o xfl`z }xixl/ Xflp zly|l}xxfix iopgol ufg `} fgdlcl}} micc `o# ioh xflo }loh g|x i xlid xg `oxlz~`lu xflqlz}go gz fg|}lfgch/ Gxflz mgdd|o`xp dldjlz} xfix dip bogu gn xfl cgmix`go

gn fgdlcl}} `oh`~`h|ic} ic}g izl i}blh xg micc `o/

\]@OE XFL Q@X MG\OX NGZ GXFLZ Q\ZQG]L]

H|z`oe i Q@X mg|ox# mgox`o||d dldjlz} ioh ~gc|oxllz} izl `o mgoximx u`xf i cizelz qlzmloxielgn xfl fgdlcl}} qgq|cix`go xfio ix iop qg`ox h|z`oe xfl zl}x gn xfl pliz/ Xf`} `} io gqqgzx|o`xpxfix z|zic mgox`o||d}# nimlh u`xf c`d`xlh zl}g|zml} ioh miqim`xp# mio cl~lziel xg &9 lh|mixlfgdlcl}} `oh`~`h|ic} ioh nid`c`l} ijg|x xfl }lz~`ml} i~i`cijcl xg xfld ioh &: mgcclmx dgzl

Z|zic Mgox`o||d} gn Mizl 8=

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Mfiqxlz <; Hixi Mgcclmx`go; Xfl Qg`ox @o X`dl Mg|ox

hlxi`clh `ongzdix`go ijg|x xfl fgdlcl}} ioh ix$z`}b qgq|cix`go `o xfl izli ioh xfl }lz~`ml} xfixxflp fi~l |x`c`{lh `o xfl qi}x gz dip ollh `o xfl n|x|zl/

Xfl lvxlox xg uf`mf i z|zic mgox`o||d dip uiox xg loeiel `o }|mf io iuizlol}} midqi`eo iohhixi mgcclmx`go lnngzx u`cc hlqloh }gdlufix go xfl miqim`xp gn xfl ~gc|oxllz} ioh }lz~`mlqzg~`hlz} mgdqclx`oe xfl mg|ox/ I mgox`o||d u`cc fi~l xg ei|el xg ufix lvxlox xflp mio mgcclmx

ioh qzg~`hl ihh`x`goic `ongzdix`go uf`cl }x`cc lvlm|x`oe i }|mml}}n|c mg|ox/ Mgox`o||d} dipuiox xg mgcclmx n|zxflz hixi }g xflp mio ei|el qzgezl}} g~lz x`dl gz xflp d`efx uiox xg mgcclmxhixi xg i}}l}} xfl }|mml}} gn i zlmloxcp$`dqcldloxlh qzgezid gz g|xzlimf }xzixlep/

Mgcclmx`oe @ongzdix`go ijg|x Fgdlcl}} ]lz~`ml} Imml}}lh

Ngz xfg}l ufg izl m|zzloxcp fgdlcl}}# z|zic mgox`o||d} }fg|ch mgo}`hlz mgcclmx`oe `ongzdix`goijg|x xfl }lz~`ml} xfl fgdlcl}} `oh`~`h|ic fi} imml}}lh `o xfl qi}x# xfl`z h`}ij`c`xp f`}xgzp# iohfgu cgoe xflp fi~l jllo fgdlcl}}/ Dib`oe xf`} `ongzdix`go i~i`cijcl xg icc dldjlz} gn xflmgox`o||d u`xf FD@] imml}} mio flcq lo}|zl xfix }mizml zl}g|zml} izl |}lh lnn`m`loxcp# iohxfix fgdlcl}} mc`lox} izl q|x `o xg|mf u`xf icc i~i`cijcl zl}g|zml}/

Mgcclmx`oe @ongzdix`go ijg|x Ix$Z`}b Qgq|cix`go}

Xfl mg|ox ic}g gnnlz} io gqqgzx|o`xp xg mgcclmx `ongzdix`go ijg|x xfl ix$z`}b qgq|cix`go `o xflizli/ Xf`} `} qizx`m|cizcp `dqgzxiox `o z|zic izli} uflzl diop gn xfg}l u`xfg|x fgdl} gn xfl`zguo ogolxflcl}} ni`c xg dllx xfl F\H hln`o`x`go gn –fgdlcl}}/—

Uflo `oh`~`h|ic} ufg izl `hlox`n`lh ngz xfl Q@X mg|ox hg ogx dllx xfl hln`o`x`go gn –fgdlcl}}#—z|zic mgox`o||d} mio mgcclmx `ongzdix`go zleizh`oe qlgqcl ufg izl iop gn xfl ngccgu`oe;

•  C`~`oe hg|jclh$|q gz ‖mg|mf$}|zn`oe‐

•  Ix z`}b gn cg}`oe xfl`z fg|}`oe ioh xfl zli}go} ngz xfix z`}b

•  Lc`e`jcl ngz }lz~`ml} xfix mg|ch flcq qzl~lox fgdlcl}}ol}}

•  Iuizl gn xfl }lz~`ml} i~i`cijcl xg xfld xfzg|ef xfl mgox`o||d

Xf`} `ongzdix`go mio jl |}lh xg flcq qzl~lox fgdlcl}}ol}}# ngz mi}l dioieldlox q|zqg}l}#ioh ngz qcioo`oe xg flcq xfl mgox`o||d hl~lcgq qzgezid} ioh }lz~`ml} xg dgzl lnnlmx`~lcp dllxxfl ollh} gn xfl ix$z`}b qgq|cix`go/

H`}xz`j|x`oe @ongzdix`go ijg|x I~i`cijcl ]lz~`ml}

H|z`oe xfl Q@X mg|ox# mgox`o||d} dgj`c`{l }|j}xiox`ic zl}g|zml} xg n`oh ioh mgoximx qlgqcl ufgizl fgdlcl}} gz ix z`}b gn fgdlcl}}ol}}/ Limf gn xfg}l mgoximx} zlqzl}lox} io gqqgzx|o`xp xgh`}xz`j|xl `ongzdix`go ijg|x i~i`cijcl }lz~`ml} xg xfg}l `o ollh/ @n xfl mgox`o||d fi} hl~lcgqlhg|xzlimf dixlz`ic} c`}x`oe gn i~i`cijcl zl}g|zml}# xfix `ongzdix`go mio jl }fizlh u`xf `oh`~`h|ic}ufg izl mgoximxlh ngz i Q@X mg|ox/

Z|zic Mgox`o||d} gn Mizl 88

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MFIQXLZ >; DIV@D@[@OE XFL LNNLMX@^LOL]]GN Z\ZIC MGOX@O\\D] GN MIZL

@OXZGH\MX@GO

Xf`} mfiqxlz lvid`ol} xfzll `}}|l} xfix izl gn qizx`m|ciz zlcl~ioml ngz z|zic ezg|q} `o~gc~lh `o&gz mgo}`hlz`oe jlmgd`oe `o~gc~lh `o i MgM;

• Qizxolz}f`q J|`ch`oe/ L}xijc`}f`oe lnnlmx`~l z|zic MgM} zly|`zl} j|`ch`oe qizxolz}f`q} xfixugzb `o z|zic izli}# `omc|h`oe zlmz|`x`oe ioh }|}xi`o`oe zlcix`go}f`q} u`xf qizxolz ielom`l}/Xf`} mfiqxlz h`}m|}}l} }xzixle`l} ngz qizxolz}f`q j|`ch`oe ioh gnnlz} `hli} ijg|x xfl b`oh} gnqizxolz} xg mgo}`hlz `omc|h`oe `o i MgM/

• Mgdd|o`mix`go ioh Gzeio`{ix`go/ Mgdd|o`mix`go ioh gzeio`{ix`go mio jl mficcloe`oeioh x`dl mgo}|d`oe `o iop gzeio`{ix`go/ Ngz z|zic mgox`o||d} xfl mficcloel} izl dieo`n`lhjp h`}xioml}# xlmfogcge`l}# ioh i c`d`xlh o|djlz gn }xinn q|cclh ̀ o d|cx`qcl h`zlmx`go}/ Xf`}mfiqxlz qzg~`hl} }|eel}x`go} ngz lnnlmx`~l mgdd|o`mix`go `o i z|zic mgox`o||d lo~`zgodlox#

ioh zl~`lu} `hli} ngz lo}|z`oe xfix xfl mgox`o||d `} gzeio`{lh lnnlmx`~lcp/• Miqim`xp J|`ch`oe/ Fi~`oe }|nn`m`lox miqim`xp xg qzg~`hl xfl }lz~`ml} ollhlh xg ihhzl}}

fgdlcl}}ol}} `o z|zic izli} ic}g mio jl mficcloe`oe/ Xf`} mfiqxlz f`efc`efx} jl}x qzimx`ml}ioh miqim`xp j|`ch`oe }|mml}} }xzixle`l}/

]l~lzic jizz`lz} xg }lz~`ml ulzl h`}m|}}lh `o Mfiqxlz = `o xfl mgoxlvx gn mficcloel} }lz~`oefgdlcl}} qgq|cix`go} `o z|zic izli}/ ]gdl gn xfg}l }idl mficcloel} ic}g innlmx gzeio`{ix`go}xfix qzg~`hl }lz~`ml} xg fgdlcl}} z|zic qgq|cix`go};

• Xzio}qgzxix`go; Cizel h`}xioml} dibl mgox`o||d dldjlz}‐ ugzb dgzl h`nn`m|cx/ Xfl x`dlioh lvqlo}l `o~gc~lh `o elxx`oe xg mc`lox} `o ollh gn }lz~`ml gz dllx`oe u`xf gxflz qzg~`hlz}`} dieo`n`lh uflo xzi~lc h`nn`m|cxp `} ezlixlz/

• ]fgzxiel gn ]lz~`ml}; ]lz~`ml} zly|`zlh jp fgdlcl}} qgq|cix`go} elolziccp izl }qiz}l `oz|zic izli}# ioh qzg~`hlz miqim`xp xpq`miccp `} }xzlxmflh/ Qzg~`hlz} gnxlo d|}x }lz~l i}*kimb}$gn$icc$xzihl}#* dib`oe `x h`nn`m|cx xg qzg~`hl xfl y|iox`xp ioh y|ic`xp gn }lz~`ml} ollhlh/

• @}gcix`go; Jlmi|}l gn xfl }fgzxiel gn }lz~`ml} ioh xfl c`d`xlh o|djlz gn qzg~`hlz}# qlgqclufg qzg~`hl }lz~`ml} xg fgdlcl}} mc`lox} mio xfld}lc~l} nllc ~lzp `}gcixlh ioh u`xfg|x}|qqgzx/

Xfl}l jizz`lz} mio `onc|loml i mgox`o||d‐} lnnlmx`~lol}} `o }lz~`oe `x} mc`lox} `o diop uip}#ioh xfl mfiqxlz‐} zlmgddlohix`go} `omc|hl imx`go} xfix ihhzl}} xfld/

J\@CH@OE IOH ]\]XI@O@OE QIZXOLZ]F@Q]

Hl~lcgq`oe qizxolz}f`q} flcq} j|`ch ioh }|}xi`o i olxugzb gn zlcix`go}f`q} idgoe xfl dpz`ih

qciplz} xfix mgoxz`j|xl xg }gc~`oe xfl qzgjcld gn fgdlcl}}ol}}/ Xfl qizxolz}f`q} hl~lcgqlhxfzg|ef i MgM mio flcq zlh|ml qzg~`hlz}‐ }lo}l gn `}gcix`go `o xfl ngccgu`oe uip};

• Hl~lcgq`oe }xzgoe olxugzb} idgoe qzg~`hlz}

• Lofiom`oe }lz~`ml qzg~`hlz lnnlmx`~lol}} xfzg|ef zl}g|zml }fiz`oe# lmgogd`l} gn }micl#qgc`mp `onc|loml# ioh `dqzg~lh gqlzix`goic lnn`m`lomp

• ]xzloexflo`oe jgxf xfl miqim`xp gn `oh`~`h|ic gzeio`{ix`go} ioh xfl }lmxgz i} i ufgcl

Z|zic Mgox`o||d} gn Mizl 8<

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Mfiqxlz >; Div`d`{`oe xfl Lnnlmx`~lol}} gn Z|zic Mgox`o||d} gn Mizl

Gol gn xfl qz`dizp egic} ngz iop MgM `} xg fi~l div`d|d qizx`m`qix`go `o xfl qcioo`oe qzgml}}jp icc }xiblfgchlz}/ Xfl cl~lc gn qizx`m`qix`go u`cc ~izp nzgd }xiblfgchlz xg }xiblfgchlzhlqloh`oe go xfl oix|zl gn xfl mgox`o||d ioh xfl zlcix`go}f`q gn xfl }xiblfgchlz xg xflmgox`o||d/ Mgox`o||d} mio# fgul~lz# hg i ezlix hlic xg j|`ch ioh }|}xi`o qizxolz}f`q}/ Xf`}}lmx`go h`}m|}}l} i ~iz`lxp gn xlmfo`y|l} ngz qizxolz}f`q j|`ch`oe;

• @hlox`np`oe i zioel gn qg}}`jcl qizxolz}

• Mgoh|mx`oe imx`~l g|xzlimf

•  Bllq`oe qizxolz} `o~gc~lh jlxullo dllx`oe}

•  Q|jc`m`{`oe xfl mgox`o||d‐} }|mml}}l}

•  Dib`oe mgox`o||d qizx`m`qix`go n|o ioh ugzxfuf`cl

@hlox`np i Zioel gn Qg}}`jcl Qizxolz}

@o dg}x z|zic izli}# nlu gzeio`{ix`go} izl hlh`mixlh lvmc|}`~lcp xg }lz~`oe fgdlcl}} mc`lox}/Icxfg|ef xfl o|djlz gn fgdlcl}} }lz~`ml} dip }lld }dicc# }|mml}}n|c z|zic mgox`o||d}ldqfi}`{l xfl `dqgzxioml gn jz`oe`oe i u`hl zioel gn qzg~`hlz} `oxg xfl MgM/ I }|zqz`}`oe

o|djlz gn gzeio`{ix`go} gnnlz }lz~`ml} xfix izl `dqgzxiox xg }lz~`oe xfg}l ufg izl fgdlcl}} gzix z`}b gn jlmgd`oe fgdlcl}}/ ]gdl `dqgzxiox mgdd|o`xp# flicxf# ioh }gm`ic }lz~`ml ezg|q} xgmgo}`hlz ugzb`oe u`xf ix xfl }xixl ioh cgmic cl~lc} izl c`}xlh `o Lvf`j`x >$9/ Ogx icc gn xfl}l xpql}gn gzeio`{ix`go} ug|ch fi~l ly|ic `oxlzl}x `o gz u`cc`oeol}} xg jl `o~gc~lh `o i MgM/ Fgul~lz#jl`oe iuizl gn xfl jzgih izzip gn qizxolz`oe qg}}`j`c`x`l} mio flcq }xzloexflo z|zic mgox`o||d}/

Z|zic Mgox`o||d} gn Mizl 8>

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Mfiqxlz >; Div`d`{`oe xfl Lnnlmx`~lol}} gn Z|zic Mgox`o||d} gn Mizl

• @hlox`np ioh `o`x`ixl mgoximx} u`xf blp ezg|q}/ Uflo qg}}`jcl# `hlox`np xfl }qlm`n`m `oh`~`h|ic}u`xf`o xfg}l gzeio`{ix`go} xfix }fg|ch jl iqqzgimflh ioh lomg|zielh xg qizx`m`qixl/

• Lvqc`m`xcp `o~`xl xfg}l ezg|q} ioh `oh`~`h|ic} xg qizx`m`qixl `o xfl MgM/ ]qlcc g|x ufix xflmgox`o||d `oxloh} xg immgdqc`}f# fgu xfl xizelx gzeio`{ix`go n`x} `o# ioh ufix xflmgdd`xdlox xg qizx`m`qixl `o xfl mgox`o||d u`cc loxi`c/

• ]xz|mx|zl xfl mgox`o||d xg iccgu h`nnlzlox cl~lc} gn qizx`m`qix`go ioh xg clx qizx`m`qiox} ngm|}go xfl i}qlmx} gn xfl mgox`o||d xfix dg}x mcg}lcp zlcixl xg xfl`z mgomlzo}/

• Jl zlihp xg lvqci`o fgu xfl MgM n|omx`go} `o i z|zic lo~`zgodlox ioh ufp mgccijgzix`go `}`dqgzxiox ngz imf`l~`oe `dqgzxiox egic} ngz ihhzl}}`oe fgdlcl}}ol}} `o xfl izli/

• Mclizcp izx`m|cixl io}ulz} xg qgxlox`ic qizxolz}‐ y|l}x`go} `o ih~ioml/ Bogu fgu pg| u`cc‖}lcc‐ xfl mgox`o||d jp hl}mz`j`oe xfl ih~ioxiel} xfl ezg|q‐} qizx`m`qix`go u`cc jz`oe xg xflxizelx gzeio`{ix`go# i} ulcc i} xg xfl mgox`o||d# ioh xfl qlgqcl }lz~lh jp xfl mgox`o||d/

• Q|z}|l imx`~`x`l} xfix clih xg qizxolz}f`q} u`xf gzeio`{ix`go} xfix izl ogx m|zzloxcp qizx gn xflmgox`o||d/ J|`ch`oe qizxolz}f`q} xfzg|ef }fizlh imx`~`x`l} `} gol eggh uip xg j|`chzlcix`go}f`q} xfix dip# l~lox|iccp# mgo~`oml xfl `oh`~`h|ic gz gzeio`{ix`go xfix qizx`m`qix`go

`o xfl mgox`o||d `} ugzxfuf`cl/ L~lo `n xflp hg ogx |cx`dixlcp kg`o xfl mgox`o||d ngzdiccp# xfll}xijc`}flh zlcix`go}f`q mio jl jloln`m`ic xg xfl }lz~`ml }p}xld i} i ufgcl/

Goml i olu qizxolz iezll} xg kg`o xfl mgox`o||d# `x mio jl |}ln|c xg ngzdic`{l xfl zlcix`go}f`qjp hl~lcgq`oe i dldgzioh|d gn |ohlz}xioh`oe/ Xf`} flcq} xg mgh`np xfl zlcix`go}f`q# dibl}d|x|ic lvqlmxix`go} gnn`m`ic# ioh elolziccp clih} xg dgzl }|mml}}n|c cgoe xlzd qizxolz}f`q}/ I}idqcl dldgzioh|d gn |ohlz}xioh`oe `} qzg~`hlh `o Ixximfdlox >/9/ Uf`cl xfl }qlm`n`m} u`ccollh xg jl ihk|}xlh xg }|`x xfl qizx`m|ciz }`x|ix`go `o iop e`~lo mgox`o||d# xfl ji}`m g|xc`olgnnlz} i }xizx`oe qg`ox ngz nzid`oe io lnnlmx`~l iezlldlox/

Bllq Qizxolz} @o~gc~lh Jlxullo Dllx`oe}

Mgox`o||d ~`xic`xp `} lofiomlh uflo qizxolz} }xip mgoolmxlh xg limf gxflz jlxullo dllx`oe}/Xf`} mgoolmx`go mio jl ng}xlzlh `o i ~iz`lxp gn uip};

• Di`oxi`o`oe i h`zlmxgzp gn mgox`o||d dldjlz}# i} ulcc i} |qhix`oe ioh h`}xz`j|x`oe `xzle|cizcp

• L}xijc`}f`oe ugzb`oe ezg|q} xg dg~l xfl mgox`o||d ngzuizh jlxullo dllx`oe} jp ximbc`oe kg`ox qzgklmx

• Lomg|zie`oe qizxolz} u`xf }`d`ciz `oxlzl}x} xg kg`o ngzml}# l`xflz jp }fiz`oe `ongzdix`go'jl}xqzimx`ml} gz ugzb`oe go }xzixle`l} xg mgccijgzixl ioh }|qqgzx limf gxflz‐} lnngzx}

• ]fiz`oe `ongzdix`go zle|cizcp xg di`oxi`o i ngm|} go fgdlcl}}ol}} `o elolzic ioh xflmgox`o||d `o qizx`m|ciz

Q|jc`m`{l xfl Mgox`o||d‐} Imf`l~ldlox}

Qizxolz gzeio`{ix`go} izl dgzl c`blcp xg uiox xg zldi`o i}}gm`ixlh u`xf i mgox`o||d xfix `}qlzml`~lh i} }|mml}}n|c# uf`cl qg}`x`~l q|jc`m`xp mio flcq dibl qizx`m`qix`go `o xfl mgox`o||dixxzimx`~l xg olu gzeio`{ix`go}/

Mgox`o||d} mio q|z}|l i ~iz`lxp gn xlmfo`y|l} xg elx xfl ugzh g|x ijg|x xfl`z imf`l~ldlox}#`omc|h`oe xfl ngccgu`oe;

• ]loh xi`cgzlh dl}}iel} xg `oh`~`h|ic} ioh gzeio`{ix`go} xfix xfl Mgox`o||d u`}fl} xgzlmz|`x# }fiz`oe xfl }xix`}x`m} ioh }|mml}} }xgz`l} xfix u`cc jl gn `oxlzl}x xg xfl xizelx

Z|zic Mgox`o||d} gn Mizl 86

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Mfiqxlz >; Div`d`{`oe xfl Lnnlmx`~lol}} gn Z|zic Mgox`o||d} gn Mizl

i|h`loml/ Ldi`c `} xfl dg}x lmgogd`mic dlxfgh gn }loh`oe dl}}iel}# j|x qg}xic di`c `}}gdlx`dl} i eggh gqx`go/

• H`}}ld`oixl uz`xxlo hgm|dlox} qzgh|mlh jp xfl mgox`o||d gz iop gn `x} dldjlz} &l/e/#}xzixle`m qcio}# d`}}`go }xixldlox}# zl}g|zml c`}x}# xggc} xg lofioml }lz~`ml/ L~lo `n xflzlihlz} hg ogx kg`o xfl mgox`o||d# xflp dip ihgqx }gdl gn xfl `hli} gz |}l xfl xggc} xg

lofioml }lz~`ml} `o xfl izli/• Xibl ih~ioxiel gn gqqgzx|o`x`l} xg zlqgzx go mgox`o||d imx`~`x`l} `o q|jc`m ngz|d}/ @o z|zic

izli} `x dip jl qg}}`jcl xg elx imml}} xg ngz|d} }|mf i} xguo dllx`oe} ioh m`~`m mc|jimx`~`x`l}/

• M|cx`~ixl zlcix`go}f`q} u`xf cgmic olu} dlh`i xg lo}|zl xfix mgox`o||d }|mml}}l} zlml`~ldiv`d|d dlh`i mg~lziel/ Zlmgeo`{`oe `oh`~`h|ic mgoxz`j|x`go} mio jl i eggh *fggb* ngz i}xgzp# ioh }ll`oe nz`loh} ioh imy|i`oxioml} `o xfl olu} mio lomg|ziel gxflz} xgqizx`m`qixl/

Dibl @x Jgxf N|o ioh Ugzxfuf`cl

@o z|zic izli} uflzl }lz~`ml qzg~`hlz} gnxlo izl }xzlxmflh ioh uflzl mgox`o||d qizx`m`qiox}

gnxlo d|}x dibl i }|j}xiox`ic lnngzx xg ixxloh dllx`oe} ix h`}xiox cgmix`go}# `x `} l}}lox`ic xgdibl xfl }l}}`go} zluizh`oe `o gzhlz xg qzgdgxl mgox`o|lh qizx`m`qix`go;

• Xg dibl }l}}`go} n|o# izzioel x`dl ngz }gm`ic`{ix`go ioh gnnlz gqqgzx|o`x`l} ngz olxugzb`oe/Xf`} }xzloexflo} zlcix`go}f`q}# ioh `} qizx`m|cizcp `dqgzxiox ngz qzg~`hlz} ufg }ll limfgxflz zizlcp jlmi|}l gn elgeziqf`m }lqizix`go/

• Xg dibl }l}}`go} ugzxfuf`cl `o i }|j}xiox`~l }lo}l# qzg~`hl xzi`o`oe go xgq`m} gn `oxlzl}x xgxfl ezg|q ioh }fizl xggc} xfix gxflz} fi~l ng|oh |}ln|c `o i z|zic lo~`zgodlox/

• Xg dibl xfl x`dl }qlox nllc lnnlmx`~l# |}l dllx`oe x`dl lnn`m`loxcp xg immgdqc`}f xfl ezg|q‐}egic}/ Lo}|z`oe xfix xfl mgox`o||d `} ulcc gzeio`{lh ioh fi} lvmlcclox mgdd|o`mix`go# i}h`}m|}}lh `o xfl olvx }lmx`go# mio hg i ezlix hlic xg d`o`d`{l nz|}xzix`go} ioh diblqizx`m`qix`go `o i mgox`o||d nllc ugzxfuf`cl xg `x} dldjlz}/

Gol$go$Gol Zlcix`go}f`q J|`ch`oe

Ogx icc qizxolz}f`q lnngzx} `o~gc~l xfl n|cc mgox`o||d i} i ezg|q/ Gol z|zicmgox`o||d dldjlz hl}mz`jlh fgu `dqgzxiox `x `} xg eg g|x gn gol‐} uip xg elx xgbogu gxflz} go i qlz}goic ji}`}/ ]fl dibl} io lnngzx xg l}xijc`}f mgoolmx`go}u`xf gxflz z|zic qzg~`hlz} jp dllx`oe g~lz mgnnll ioh mfixx`oe go xfl qfgol/Hl}q`xl xfl x`dl ioh h`}xioml `o~gc~lh# }fl n`oh} xfl zlcix`go}f`q$j|`ch`oe xg jlugzxf xfl lnngzx/ G~lzicc# }fl ogxlh xfix `o }dicc mgdd|o`x`l} uflzl l~lzpgolxloh} xg bogu gol iogxflz# xflzl `} i hllq }lo}l gn icc jl`oe loeielh `o xflqzgml}}/ Ng}xlz`oe qlz}goic mgoolmx`go} }|qqgzx} xfix loeieldlox iohlofioml} mgccijgzix`go/

MGDD\O@MIX@GO IOH GZEIO@[IX@GOI z`egzg|} ngm|} go mgdd|o`mix`go ioh gzeio`{ix`go `} mz`x`mic xg xfl }|mml}} gn z|zicmgox`o||d}# `o uf`mf qfp}`mic h`}xioml jlxullo qizxolz} ioh i c`d`xlh o|djlz gn qzg~`hlz}mficcloel lnnlmx`~l gqlzix`go}/ ]xzgoe mgox`o||d mgdd|o`mix`go ioh gzeio`{ix`go imf`l~l} xflngccgu`oe;

• Zlh|ml} xfl }lo}l gn `}gcix`go gnxlo nlcx jp z|zic }lz~`ml qzg~`hlz}

Z|zic Mgox`o||d} gn Mizl 80

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Mfiqxlz >; Div`d`{`oe xfl Lnnlmx`~lol}} gn Z|zic Mgox`o||d} gn Mizl

• @o~gc~l} qizxolz} ix icc cl~lc} ioh imzg}} icc izli} }g xflp nllc i qizx gn xfl hlm`}`go$dib`oeqzgml}} ioh fi~l i }xibl `o xfl g|xmgdl}

• Qzg~`hl} gqqgzx|o`x`l} ngz qllz$xg$qllz xlmfo`mic i}}`}xioml# `ongzdix`go }fiz`oe# iohh`}}ld`oix`go gn zl}g|zml} ioh jl}x qzimx`ml}# uf`mf `} qizx`m|cizcp flcqn|c ngz z|zic qzg~`hlz}ufg gnxlo izl i}blh xg uliz diop fix} i} xflp }lz~l fgdlcl}} mc`lox}

• Flcq} hl~lcgq mgccijgzix`~l zlcix`go}f`q} xfix clih xg lnn`m`lox# y|ic`xp mizl xg mc`lox}

]gdl z|zic mgox`o||d} fi~l ng|oh `x flcqn|c xg i}}`eo zl}qgo}`j`c`xp ngz mgdd|o`mix`go u`xfmgox`o||d dldjlz} xg i }`oecl qg`ox gn mgoximx/ Xf`} flcq} lo}|zl xfix mgdd|o`mix`go `}mggzh`oixlh# zl}qgo}`~l# ic`eo} u`xf xfl d`}}`go ioh xfl mgzl ~ic|l} gn xfl mgox`o||d# ioh `}h`}}ld`oixlh xg l~lzpgol iqqzgqz`ixlcp/ Uflo i hl}`eoixlh mggzh`oixgz `} i~i`cijcl# xf`}qlz}go `} xfl cge`mic gol xg mggzh`oixl `ongzdix`go h`}}ld`oix`go ioh mgdd|o`mix`go/

Niml$xg$Niml Mgoximx

@ongzdix`go xlmfogcgep iccgu} mgox`o||d} xg mgdd|o`mixl zldgxlcp j|x z|zic mgox`o||d} }x`ccn`oh `x lvxzldlcp `dqgzxiox xg mgo~lol niml$xg$niml dllx`oe}/ Xfl}l dllx`oe} dip xibl xflngzd gn zg|oh xijcl h`}m|}}`go}# mgonlzloml}# gz xzi`o`oe }l}}`go}/ Dg}x z|zic mgox`o||d} xzp xg

c`d`x xfl o|djlz gn `o$qlz}go dllx`oe} xg d`o`d`{l xfl xzi~lc j|zhlo/ E`~lo xfl `onzly|lomp gn`o$qlz}go dllx`oe}# xflzl izl }gdl blp nimxgz} xg mgo}`hlz uflo qcioo`oe i niml$xg$niml l~lox;

• Qcio ulcc `o ih~ioml xg iccgu qizx`m`qiox} xg jcgmb gnn x`dl ngz xfl dllx`oe# i} ulcc i}zly|`zlh xzi~lc x`dl/

• Mgo}`hlz xfl miclohiz# jl`oe mizln|c xg qcio izg|oh fgc`hip}# }qlm`ic l~lox}# ioh }li}go}u`xf lvxzldl ulixflz/

• Ngz xfg}l ufg izl ogx ijcl xg ixxloh xfl dllx`oe `o qlz}go h|l xg }mflh|c`oe mgonc`mx} gzxzi~lc j|helx `}}|l}# mgo}`hlz gnnlz`oe i micc$`o gqx`go/

Uflo cge`}x`mic gz j|helxizp jizz`lz} qzl~lox }gdl mgox`o||d dldjlz} nzgd ixxloh`oe idllx`oe# zle`goic zlqzl}loxix`~l} mio jl }lox xg imx go jlficn gn xfl zle`go‐} `oxlzl}x} ioh

zlqgzx jimb xg xfl`z }xiblfgchlz} ngccgu`oe xfl dllx`oe/ Icijidi |}l} xf`} dghlc# mgo}lz~`oeqzlm`g|} xzi~lc zl}g|zml} `o xfl qzgml}}/ Icxlzoix`~lcp# xfl mgox`o||d mio |}l i ‖m`zm|`x z`hlz‐iqqzgimf/ @o Iz`{goi# blp }xinn dldjlz} dibl xfl zg|oh} xg ~`}`x mgox`o||d dldjlz} `o 9= gnxfl }xixl‐} 9< mg|ox`l}# clizo`oe ijg|x xfl mgox`o||d dldjlz}‐ qlz}qlmx`~l}# ioh }fiz`oe`ongzdix`go i} xflp eg/

]gdl }xixl} n`oh `x lnnlmx`~l xg fi~l xfl`z qfp}`mic dllx`oe} `o xfl }idl mloxzic cgmix`go limfx`dl/ @o \xif# ngz lvidqcl# xfl }xllz`oe mgdd`xxll dllx} dgoxfcp `o xfl }idl cgmix`go iohxfg}l ufg mioogx ixxloh `o qlz}go fi~l xfl gqx`go gn qizx`m`qix`oe jp mgonlzloml micc/ Gxflz}xixl} n`oh xfix `x ugzb} jlxxlz xg mfioel xfl cgmix`go gn limf dllx`oe }g xfix icc zle`go} fi~lxfl gqqgzx|o`xp xg ixxloh ioh }g xfix zle`go} }fizl xfl j|zhlo ly|iccp `o xlzd} gn xzi~lc x`dlioh mg}x}/ U`}mgo}`o |}l} xf`} iqqzgimf# fgch`oe dllx`oe} `o h`nnlzlox qizx} gn xfl }xixl }g xfixqzg~`hlz} fi~l xfl mfioml xg mgo~lz}l# olxugzb# ioh }fizl xfl`z lvqlz`loml} `o io `ongzdic

}lxx`oe i} ulcc/

Xfl jl}x iqqzgimf ngz i qizx`m|ciz mgox`o||d u`cc cizelcp hlqloh go xfl mgox`o||d‐} elgeziqf`mmg~lziel ioh xfl i~i`cijcl zl}g|zml}/ Zleizhcl}}# `x `} elolziccp i eggh qzimx`ml xg qzg~`hlxlclqfgol ioh'gz ~`hlgmgonlzlom`oe miqij`c`x`l} }g xfix xfg}l mgox`o||d dldjlz} ufg mioogxixxloh `o qlz}go fi~l xfl gqx`go gn c`ob`oe `o lclmxzgo`miccp/

Z|zic Mgox`o||d} gn Mizl <1

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Mfiqxlz >; Div`d`{`oe xfl Lnnlmx`~lol}} gn Z|zic Mgox`o||d} gn Mizl

Zlic$X`dl Lclmxzgo`m Mgdd|o`mix`go}

Lclmxzgo`m mgdd|o`mix`go} izl |j`y|`xg|}# j|x `o z|zic izli} ” qizx`m|cizcp xfg}l u`xf cizelelgeziqf`m }qio} ioh'gz mficcloe`oe xlzzi`o ” xflp izl qizx`m|cizcp blp xg j|`ch`oe iohdi`oxi`o`oe qizxolz}f`q}/ Xg xibl ih~ioxiel gn }|mf xlmfogcge`l}# fgul~lz# z|zic mgox`o||d}d|}x fi~l imml}} xg xfl xlmfogcgep# fi~l xfl ij`c`xp xg |}l `x# ioh mgo}m`g|}cp j|`ch `x} |}l `oxg

zle|ciz mgdd|o`mix`go}/

Xfl Mficcloel gn Elgeziqfp

Immgzh`oe xg gol z|zic fgdlcl}} qzgezid ihd`o`}xzixgz# fgch`oe i dllx`oe –dipjl i }`dqcl qzgml}} uflo qizx`m`qiox} izl cgmixlh `o xfl }idl izli ioh miodllx io fg|z gz xug ngz c|omf/ @x `} i h`nnlzlox }mloiz`g uflo dllx`oe zle`goiccpioh qizx`m`qiox} d|}x xzi~lc ngz xfzll fg|z} gz }g `o gzhlz xg dllx/— E`~lo xf`}zlic`xp# lclmxzgo`m mgdd|o`mix`go} izl blp xg goeg`oe mgccijgzix`go/

I ~iz`lxp gn zlic$x`dl lclmxzgo`m mgdd|o`mix`go dlxfgh} izl i~i`cijcl ngz }`d|cxiolg|} ezg|qmgdd|o`mix`go/ Xfl z`efx mfg`ml u`cc hlqloh go xfl ezg|q‐} ollh}# xfl ly|`qdlox zly|`zlh# iohxfl mgdngzx cl~lc mgox`o||d dldjlz} fi~l u`xf limf xlmfogcgep/ Gqx`go} xg mgo}`hlz `omc|hlxfl ngccgu`oe;

• Mgonlzloml micc} izl io `dqgzxiox xggc `o z|zic izli} uflzl dllx`oe `o qlz}go `}elgeziqf`miccp mficcloe`oe/ Xlclmgonlzloml }lz~`ml} izl mgo~lo`lox i} ulcc i} zlcix`~lcpcgu mg}x/ Diop mgdqio`l} ogu qzg~`hl mgonlzloml micc }lz~`ml} ioh mio jl cgmixlh li}`cpgo xfl `oxlzolx/ Goml io gzeio`{ix`go fi} }lx |q io immg|ox# mgonlzloml micc} mio jl}mflh|clh i} olml}}izp ioh qizx`m`qiox} mio micc `o xg i xgcc$nzll o|djlz xg kg`o xfl micc/

• Ulj mgonlzlom`oe iccgu} qizx`m`qiox} xg ~`lu }c`hl qzl}loxix`go} gz hgm|dlox} go xfl`zguo mgdq|xlz }mzllo} uf`cl qizx`m`qix`oe `o i mgonlzloml micc jp qfgol/ Xfl qzl}loxlz `}ijcl xg mgoxzgc xfl `diel jl`oe ~`lulh go icc qizx`m`qiox}‐ }mzllo}/ U`xf dgzl ih~iomlh}b`cc}# qizx`m`qiox} mio `oxlzimx |}`oe xfl`z }mzllo}# ngz lvidqcl jp kg`oxcp lh`x`oe hgm|dlox}/Iqqzgqz`ixl }gnxuizl d|}x jl `o}xicclh go limf mgdq|xlz# ioh xflzl `} i nll xg xfl gz`e`oixgzngz |}`oe xfl }lz~`ml/

• ^`hlgmgonlzlom`oe `} fizhlz xg izzioel ioh dgzl mg}xcp |ocl}} xfl iqqzgqz`ixl`onzi}xz|mx|zl `} `o qciml/ Fgul~lz# }gdl mgox`o||d} hg fi~l imml}} xg }|mf nim`c`x`l}/Xfg}l xfix hg ogx d`efx mgo}`hlz elxx`oe }|mf xlmfogcgep l}xijc`}flh i} i qg}}`jcl cgoe$xlzd egic/ Jlmi|}l gn xfl mg}x} `o~gc~lh# mgox`o||d} ug|ch ollh xg xf`ob mzlix`~lcp ijg|xuip} xg qizxolz u`xf gxflz gzeio`{ix`go} xg l}xijc`}f }|mf i mgdd|o`mix`go} olxugzb/

]xixlu`hl ^`hlgmgonlzlom`oe

@o @gui# mgox`o||d dllx`oe} izl flch ~`i ~`hlgmgonlzlom`oe xfzg|ef xfl @guiMgdd|o`mix`go Olxugzb/ U`xf dgzl xfio =11 cgmix`go} imzg}} xfl }xixl ioh ogollh xg xzi~lc dgzl xfio 91 d`cl} xg mgoolmx# xzi~lc x`dl ioh mg}x} izl olizcplc`d`oixlh/ Xfl @gui Mgdd|o`mix`go} Olxugzb ̀ } i }xixl ielomp xfix

ihd`o`}xlz} i }xixlu`hl n`jlz gqx`m} olxugzb loijc`oe i|xfgz`{lh |}lz} }|mf i}fg}q`xic}# }xixl ioh nlhlzic eg~lzodlox# c`jziz`l} ioh }mfggc} xg mgdd|o`mixl|}`oe f`ef y|ic`xp `ongzdix`go xlmfogcgep/ Ngz dgzl ̀ ongzdix`go ijg|x @gui‐}Mgdd|o`mix`go Olxugzb ~`}`x fxxq;''uuu/`mo/}xixl/`i/|}'/

@o gzhlz xg jl }|mml}}n|c# mgonlzloml micc} ioh ~`hlgmgonlzloml}# c`bl niml$xg$niml dllx`oe}#ollh xg jl ulcc$gzeio`{lh ioh fi~l i }qlm`n`m ielohi/ Fgul~lz# z|oo`oe i eggh mgonlzlomlmicc gz ~`hlgmgonlzloml `} h`nnlzlox nzgd z|oo`oe i eggh dllx`oe `o }gdl `dqgzxiox uip}/ Xflngccgu`oe izl }gdl lvidqcl};

Z|zic Mgox`o||d} gn Mizl <9

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Mfiqxlz >; Div`d`{`oe xfl Lnnlmx`~lol}} gn Z|zic Mgox`o||d} gn Mizl

• Ngz xlmfogcge`l} u`xf og zlic$x`dl ~`}|ic mgoolmx`go# `x `} `dqgzxiox xfix qizx`m`qiox} zlml`~lxfl ielohi ioh iop uz`xxlo dixlz`ic} `o ih~ioml gn xfl micc }`oml dixlz`ic} mioogx jlfiohlh g|x go xfl }qgx/

• U`xfg|x jghp cioe|iel xg e`~l ~`}|ic m|l}# mgonlzloml micc clihlz} u`xf og zlic$x`dl ~`}|icmgoolmx`go fi~l xg ugzb fizh xg elx nllhjimb nzgd xfg}l go xfl qfgol xg bogu uflxflz

l~lzpgol `} xzimb`oe xfl mgo~lz}ix`go ioh fi} fih i mfioml xg lvqzl}} xfl`z ~`lu}/• @n xfl dllx`oe fi} }gdl qlgqcl qfp}`miccp xgelxflz `o i zggd ioh gxflz} `o gol gz dgzl

zldgxl cgmix`go}# xfl mficcloel gn bllq`oe l~lzpgol loeielh `} l~lo ezlixlz/ Eggh$y|ic`xpd`mzgqfgol} izl i d|}x# i} `} dib`oe }|zl xfix xfg}l qfp}`miccp qzl}lox hg ogx hgd`oixlxfl mgo~lz}ix`go/

L}xijc`}f`oe mgo}`}xlox qzgmlh|zl} ngz ngccgu`oe |q u`xf qlgqcl ufg izl ogx ijcl xg ixxlohdllx`oe} `} l}}lox`ic xg bllq`oe qlgqcl `o~gc~lh/ @hli} ngz }|mf ngccgu |q `omc|hl xfl ngccgu`oe;

• Uz`x`oe |q ioh h`}xz`j|x`oe hlxi`clh dllx`oe d`o|xl} &~`i ldi`c# qg}x# gz c`}x}lz~ }fgzxcp inxlzxfl dllx`oe

• Qg}x`oe d`o|xl} go i mgccijgzix`~l ulj}`xl

• Fi~`oe xfl mggzh`oixgz &`n xflzl `} gol xg|mf ji}l u`xf limf d`}}`oe qizxolz

• I}}`eo`oe i ‖j|hhp‐ xg limf d`}}`oe qizxolz ioh i}b`oe xfg}l `oh`~`h|ic} xg xg|mf ji}l u`xfxfg}l ufg ulzl ij}lox/ Xf`} }qzlih} xfl ugzb cgih# j|x fi} xfl ihhlh jloln`x gn lo}|z`oexfix `oh`~`h|ic qizxolz} }|qqgzx limf gxflz ioh elx xg bogu limf gxflz g|x}`hl gn xfldllx`oe mgoxlvx

Zlic$x`dl mgdd|o`mix`go xlmfogcge`l} ic}g mio nim`c`xixl gol$go$gol gz }dicc ezg|qmgdd|o`mix`go;

• @o}xiox dl}}ie`oe iccgu} xug gz dgzl |}lz} xg xpql dl}}iel} xg limf gxflz `o zlic x`dl/ Ioih~ioxiel gn `o}xiox dl}}ie`oe g~lz ldi`c `} xfix |}lz} bogu `o}xioxcp uflxflz xfl qlz}goxflp izl xzp`oe xg zlimf fi} egxxlo xfl dl}}iel/

• ^g`ml$g~lz$`oxlzolx qzgxgmgc iccgu nzll mgo~lz}ix`go} idgoe mgdq|xlz |}lz}/ U`xf io`olvqlo}`~l midlzi ixximflh xg xfl mgdq|xlz# xflp ic}g iccgu i ~`}|ic `diel xg jlxzio}d`xxlh }`d|cxiolg|}cp/

• @o xfl di}} gn olu xlmfogcge`l}# q`mb`oe |q xfl xlclqfgol mio }x`cc jl xfl ni}xl}x ioh dg}x}xzi`efxngzuizh mgdd|o`mix`go xggc i~i`cijcl/

Uf`cl xfl}l ngzd} gn zlic$x`dl# `oxlzimx`~l mgdd|o`mix`go izl gnxlo hl}`zijcl# m|zzloxxlmfogcgep ic}g nim`c`xixl} xfl mgdd|o`mix`go gn `ongzdix`go xg i jzgihlz i|h`loml uflol~lzollhlh/ @o jlxullo zlic$x`dl mgo~lz}ix`go}# ezg|q dldjlz} mio }xip `o xg|mf xfzg|ef ldi`c#c`}x}lz~}# ioh ulj}`xl}/ @o xfl x`dl jlxullo zlic$x`dl mgo~lz}ix`go}# ldi`c# c`}x}lz~}# iohulj}`xl} mio flcq ezg|q dldjlz} }xip `o xg|mf;

•Di`c`oe c`}x h`}xz`j|x`go/ Gol gn xfl dg}x ji}`m# ioh dg}x qgulzn|c# xlmfogcge`mic xggc}i~i`cijcl xg flcq i mgox`o||d mgccijgzixl u`xf icc `x} qizxolz} `} xfl i|xgdixlh di`c`oe c`}x/Io i|xgdixlh di`c`oe c`}x dip mgo}`}x gn i ngzdic# dghlzixlh c`}x}lz~ xfix qizx`m`qiox} d|}x kg`o# gz `x mio jl i} }`dqcl i} io ldi`c h`}xz`j|x`go c`}x/ Xfl}l c`}x} mio jl }lx |q y|`mbcp iohmg}x ~lzp c`xxcl# `n iopxf`oe# xg di`oxi`o/ Xfl j`eel}x jloln`x `} xfix xflp elx xg xfl zlm`q`loxicdg}x `o}xioxiolg|}cp/

• Ulj}`xl/ Z|zic mgox`o||d} }gdlx`dl} mio mloxzic`{l `ongzdix`go ioh dibl `x zlih`cpimml}}`jcl ngz zldgxl qizxolz} jp qg}x`oe `x xg i ulj}`xl/ Zixflz xfio hl~lcgq`oe xfl`z guo

Z|zic Mgox`o||d} gn Mizl <:

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Mfiqxlz >; Div`d`{`oe xfl Lnnlmx`~lol}} gn Z|zic Mgox`o||d} gn Mizl

ulj}`xl}# }gdl mgox`o||d} fi~l qizxolzlh u`xf i }xixl ielomp xg |}l xfl }xixl ulj}`xl xgmizzp `ongzdix`go gz c`ob} `omc|h`oe xfl ngccgu`oe;

¿  @ongzdix`go go xfl ugzb gn xfl mgox`o||d

¿ Zl}g|zml}

¿ Qcio} ioh `dqcldloxix`go

¿  Zl}lizmf ioh hixi

¿ N|oh`oe i~i`cij`c`xp

Xfl hziujimb xg xfl ulj}`xl `} xfix xfl `oxlohlh i|h`loml d|}x imx`~lcp xibl }xlq} xg ~`}`x xfl}`xl# uf`cl di`c`oe c`}x} i|xgdix`miccp eg xg xfl `oxlohlh zlm`q`lox}/

Lclmxzgo`m mgdd|o`mix`go mio jl y|`mb ioh mg}x lnnlmx`~l/ Fgul~lz# qzg~`hlz} u`xfg|x ldi`c gzulj imml}} ollh gxflz mfioolc} gn mgdd|o`mix`go/ I }gc|x`go }gdl mgox`o||d} fi~l |}lh `}qizxolz`oe u`xf cgmic j|}`ol}}l} ioh c`jziz`l} xg flcq qizxolz} ei`o imml}} xg jzgihjioh}lz~`ml/ Gch$ni}f`golh di`c`oe ~`i xfl qg}xic }p}xld `} iogxflz gqx`go/

Z|zic qzg~`hlz} fi~l ng|oh xfix lclmxzgo`m mgdd|o`mix`go mio jl |}lh xg ng}xlz i m|cx|zl gn

`ongzdix`go }fiz`oe# l~lo idgoe qzg~`hlz} ufg dip ogx jl i ngzdic qizx gn xfl mgox`o||d/Xf`} d`efx `o~gc~l }fiz`oe io `oxlzl}x`oe ioh zlcl~iox olu} izx`mcl gz iclzx`oe gxflz} xg i |}ln|czl}g|zml xfix `} i~i`cijcl goc`ol/ ]|mf qlz`gh`m mgoximx} mio flcq j|`ch i }lo}l gn mgdd|o`xpioh d|x|ic }|qqgzx idgoe qzg~`hlz} ufg gnxlo ugzb `o zlcix`~l `}gcix`go/

J\@CH@OE MIQIM@XP

Icxfg|ef }gdl `oh`~`h|ic} ioh gzeio`{ix`go} `o z|zic izli} fi~l i ezlix hlic gn miqim`xp#qzg~`hlz} `o z|zic izli} zle|cizcp ogxl xfix i cimb gn miqim`xp `dqlhl} }lz~`ml xg xfl fgdlcl}}/Z|zic qzg~`hlz} zlqgzx xfix xf`} dio`nl}x} `x}lcn `o l~lzpxf`oe nzgd cimb gn mgdq|xlz xlmfogcgep#xg *xf`o* lvqlzx`}l `o diop }|j}xiox`~l izli}# xg i cimb gn }fizlh `ongzdix`go ijg|x ji}`mdi`o}xzlid }lz~`ml} i~i`cijcl `o xfl mgdd|o`xp/ Gn qizx`m|ciz mgomlzo xg mgox`o||d} i} xflpiqqcp ngz n|oh`oe izl ulibol}}l} `o xfl izli} gn eziox uz`x`oe ioh eziox dioieldlox2

`oxlzqzlxix`go gn nlhlzic n|oh`oe zly|`zldlox}2 ioh xfl }i~~p ollhlh xg lnnlmx`~lcp iqqcp ngzDmB`oolp$^loxg n|oh}/

Xflzl izl i o|djlz gn uip} z|zic mgox`o||d} mio j|`ch miqim`xp/ F\H dibl} o|dlzg|}e|`hljggb} ioh xggcb`x} i~i`cijcl go xfl Fgdlcl}}ol}} Zl}g|zml Lvmfioel# uuu/f|hfzl/`ong/Pg| dip ic}g mgoximx pg|z cgmic F\H gnn`ml xg zly|l}x xlmfo`mic i}}`}xioml `o xfl ngzd gn iugzb}fgq `oh`~`h|ic`{lh dllx`oe} jl qzg~`hlh xg pg|z MgM/ Ihh`x`goiccp# zlcix`~lcp li}p iohcgu$mg}x n`z}x }xlq `} xg j|`ch i c`}x gn xfl cgmic di`o}xzlid zl}g|zml} i~i`cijcl `o limf zle`gomg~lzlh jp xfl mgox`o||d icgoe u`xf mgoximx `ongzdix`go# ioh h`}xz`j|xl xfl `ongzdix`go xg icc}lz~`ml qzg~`hlz} `o xfl }lz~`ml izli/ Xf`} ogx gocp clx} qzg~`hlz} bogu ufix zl}g|zml} izli~i`cijcl# `x ic}g l}xijc`}fl} i ji}lc`ol go uf`mf xg j|`ch n|zxflz miqim`xp/

]xinn zlxlox`go ioh }xinn y|ic`xp `}}|l} mio jl }`eo`n`miox gj}ximcl} xg j|`ch`oe cgoe$xlzd miqim`xp

`o z|zic izli} uflzl qip `} elolziccp cgu/ ]`d`cizcp# `x ic}g mio jl h`nn`m|cx xg ixxzimx inngzhijclfg|}`oe hl~lcgqlz} ioh qzgnl}}`goic zl}g|zml} xg g~lz}ll fg|}`oe mgo}xz|mx`go# dioielinngzhijcl fg|}`oe qzgklmx}# ioh qzg~`hl }|qqgzx`~l }lz~`ml} i} i mgdqgolox gn fg|}`oe/ Xgixxzimx f`ef y|ic`xp }xinn ioh lvqlzx} `o xfl n`lch# z|zic mgox`o||d} dip ollh xg imx`~lcp }gc`m`x}|mf `o~gc~ldlox xfzg|ef g|xzlimf ioh lh|mix`go xg inngzhijcl fg|}`oe qzgnl}}`goic} ufgd`efx gxflzu`}l ogx loeiel `o ugzb`oe `o z|zic izli}/

Z|zic Mgox`o||d} gn Mizl <=

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Mfiqxlz >; Div`d`{`oe xfl Lnnlmx`~lol}} gn Z|zic Mgox`o||d} gn Mizl

Xflzl izl }l~lzic }xzixle`l} xg qzg~`hl imx`~`x`l}# zl}g|zml}# ioh }|qqgzx xg }xzloexflo xfl }b`cc}ioh ij`c`x`l} gn qzg~`hlz} `o z|zic izli};

• L}xijc`}f`oe i hlh`mixlh mgox`o||d mggzh`oixgz

• Qzg~`h`oe pliz$zg|oh xlmfo`mic i}}`}xioml

• J|`ch`oe }b`cc} idgoe kimb}$gn$icc$xzihl}• Mggzh`oix`oe }lz~`ml} `o izli} u`xf h`~lz}l ollh}

I Hlh`mixlh ]xixl Mgox`o||d Mggzh`oixgz

Gol lnnlmx`~l uip xg j|`ch miqim`xp `o i z|zic mgox`o||d `} jp f`z`oe i mggzh`oixgz ufg ugzb} i}i hlh`mixlh zl}g|zml ngz icc mgox`o||d qizxolz}/ Xfl mggzh`oixgz `} i~i`cijcl xg ugzb ix xflcgmic# zle`goic# ioh }xixl cl~lc} xg mggzh`oixl ielom`l}# }|}xi`o dgdlox|d# ioh bllq xfl}xiblfgchlz} ix xfl xijcl/ L~lo `n xfl qg}`x`go `} ogx n|cc$x`dl# fi~`oe i hl}`eoixlh `oh`~`h|ic `o imggzh`oix`oe qg}`x`go mio jl lvxzldlcp flcqn|c xg i z|zic mgox`o||d/

Hlh`mixlh Mggzh`oixgz

^`ze`o`i fi} i }xinn qlz}go hlh`mixlh xg ihhzl}}`oe mgox`o||d mficcloel} ioh xg~`}`x`oe qizxolz} xfzg|efg|x xfl }xixl/ Xfl qg}`x`go `} qi`h ngz jp xfl ]xixl# iohiqqzgv`dixlcp 81 qlzmlox gn xfl NXL hlh`mixlh xg xfl Mgox`o||d# u`xf fli~`lzldqfi}`} h|z`oe xfl eziox iqqc`mix`go qzgml}}/ ^`ze`o`i mgox`o||d dldjlz}zlqgzx xfix i mloxzic`{lh mggzh`oixgz fi} jllo io `dqgzxiox blp xg }|mml}}/ Go$eg`oe ioh mgomloxzixlh lnngzx} fi~l clh xg jlxxlz zl}|cx} xfio i dghlc |}lhqzl~`g|}cp# `o uf`mf }l~lzic h`nnlzlox }xinn ulzl i}}`eolh xg dioie`oe h`nnlzloxqizx} gn xfl Mgox`o||d qzgml}}/

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• N|ohzi`}`oe ioh eziox uz`x`oe/ Mggzh`oixgz} gnxlo }qloh dgzl x`dl go mgox`o||d h|x`l}h|z`oe qlib qlz`gh} `o xfl DmB`oolp$^loxg n|oh`oe mpmcl

• Zlmz|`x`oe ielom`l} ogx iczlihp `o~gc~lh `o xfl mgox`o||d

• ]lz~`oe i} i zl}g|zml xfix qizxolz} mio zlimf g|x xg ix iop x`dl/ Xf`} hlmzli}l} xfl }lo}lgn `}gcix`go gnxlo nlcx `o z|zic# zldgxl izli} ioh `omzli}l} xfl mgcclmx`~l `o}x`x|x`goicboguclhel gn xfl mgox`o||d

F`zlh Mgo}|cxiox}

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•Hl~lcgq`oe ioh mggzh`oix`oe xfl ]|qlzOGNI iqqc`mix`go qzgml}}

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• Hl~lcgq`oe gxflz n|oh`oe iqqc`mix`go} ioh uz`x`oe eziox iqqc`mix`go}

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Z|zic Mgox`o||d} gn Mizl <8

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Mfiqxlz >; Div`d`{`oe xfl Lnnlmx`~lol}} gn Z|zic Mgox`o||d} gn Mizl

• Qzg~`h`oe xzi`o`oe xg ezioxll} ioh mgdd|o`x`l} xg flcq j|`ch miqim`xp `o cgmic mgox`o||d}

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mggzh`oix`oe u`xf FD@] dioieldlox/• Mgoh|mx`oe zl}lizmf }|mf i} jlh'|o`x `o~loxgz`l} ioh eiq} ioicp}`}

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• Gzeio`{`oe ioh mgoh|mx`oe qzgklmx l~ic|ix`go}

Pliz$Zg|oh Xlmfo`mic I}}`}xioml

Ngm|}`oe go qzg~`h`oe xlmfo`mic i}}`}xioml pliz$zg|oh mio j|`ch miqim`xp jlpgoh xfl ioo|iciqqc`mix`go qzlqizix`go qzgml}}/ Z|zic qzg~`hlz} fi~l ogxlh xfix xlmfo`mic i}}`}xioml ngm|}`oe

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• Zly|l}x`oe Xlmfo`mic I}}`}xioml nzgd F\H/ F\H mgoxzimx} u`xf }l~lzic xlmfo`mici}}`}xioml qzg~`hlz} `o limf }xixl xg qzg~`hl xlmfo`mic i}}`}xioml ix og mg}x xg MgM} iohezioxll}/ I}}`}xioml mio xibl xfl ngzd gn xzi`o`oe} ioh ugzb}fgq} gz h`zlmx xlmfo`mici}}`}xioml ~`}`x}# uflzl xfl xlmfo`mic i}}`}xioml qzg~`hlz} ugzb gol$go$gol u`xf xflezioxll}/ Mgoximx pg|z cgmic F\H gnn`ml xg n`oh g|x dgzl ijg|x xfl i~i`cij`c`xp gn }|mfxlmfo`mic i}}`}xioml/

• Qizxolz`oe u`xf i Ogoqzgn`x; I dikgz ogoqzgn`x `o Icj|y|lzy|l fi} iezllh xg flcq }dicc

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• J|`ch`oe Cgmic Qcioo`oe Miqim`xp; Ui}f`oexgo ]xixl qi}}lh xfl Fgdlcl}} Fg|}`oeI}}`}xioml Imx &FFII# uf`mf qzg~`hl} limf mg|oxp u`xf n|oh} ngz }|qqgzx`oe qcioo`oeezg|q} ioh qzgklmx imx`~`x`l} xg j|`ch cgoe xlzd miqim`xp ix xfl cgmic qcioo`oe cl~lc/

• Xgcc Nzll Xlmfo`mic I}}`}xioml Qfgol C`ol; @o @gui# i hlh`mixlh 611 o|djlz `} i~i`cijclngz ielom`l} }llb`oe xlmfo`mic i}}`}xioml ngz imx`~`x`l} zlcixlh xg mgdqclx`oe ioo|icqzgezl}} zlqgzx}# qzlqiz`oe qzgklmx iqqc`mix`go} ioh L]E }|jd`}}`go}# ioh hziu`oe hguon|oh} nzgd i eziox/

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xlmfo`mic i}}`}xioml ioh gnnlz mgo}|cx`oe xg iop ielomp u`}f`oe xg lvqcgzl fg|}`oehl~lcgqdlox gqx`go} ioh clizo ijg|x }xixl fg|}`oe zl}g|zml} ioh xfl iqqc`mix`go qzgml}}xg zlml`~l fg|}`oe i}}`}xioml/ Jlngzl xf`} xlmfo`mic i}}`}xioml zl}g|zml ui} i~i`cijcl#dg}x z|zic }flcxlz} ioh ielom`l} ulzl lvmc|}`~lcp ngm|}lh go }lz~`ml hlc`~lzp zixflz xfiofg|}`oe hl~lcgqdlox ioh fgdlcl}}ol}} qzl~lox`go }xzixle`l}/

• Xzi`o`oe; Xfl MgM `o U`}mgo}`o qzg~`hl} xzi`o`oe i} zly|l}xlh jp xfl`z mgox`o||d qizxolz}`o mgok|omx`go u`xf qcioo`oe dllx`oe} ix ~iz`g|} cgmix`go} imzg}} xfl }xixl/ U`}mgo}`o fi}hl~lcgqlh ioh hlc`~lzlh xzi`o`oe dgh|cl} go xgq`m} `omc|h`oe dloxic flicxf ioh hz|e ij|}l#

Z|zic Mgox`o||d} gn Mizl <<

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qciml izl gnxlo nlu ioh niz jlxullo/ Xfl}l gmmi}`go} mio jl |}lh xg `omzli}l miqim`xp jpgnnlz`oe gqqgzx|o`x`l} ngz xlmfo`mic i}}`}xioml gz }b`cc lofiomldlox/

• Dloxgz`oe/ Z|zic mgox`o||d} mio }p}xldix`miccp lofioml miqim`xp jp xlid`oe |q iolvqlz`lomlh qlz}go gz ezg|q u`xf gol cl}} lvqlz`lomlh go i e`~lo xgq`m/ Xf`} xpql gndloxgz`oe zlcix`go}f`q mio nim`c`xixl i fij`x gn `ongzdix`go }fiz`oe ngz xfl dgzl lvqlz`lomlhqlz}go gz ezg|q# uf`cl }qzlih`oe boguclhel xg xfl cl}} lvqlz`lomlh qlz}go gz ezg|q/

• Qizxolz`oe/ Miqim`xp ic}g mio jl lofiomlh jp jz`oe`oe `o i u`hl izzip gn qizxolz}/ Limfezg|q jgc}xlz} xfl mgox`o||d‐} g~lzicc miqim`xp/ @o gzhlz ngz i olu qizxolz xg jl `oxlezixlh}|mml}}n|ccp# xfl qizxolz }fg|ch |ohlz}xioh `x} zgcl ioh zl}qgo}`j`c`x`l} `o xfl mgox`o||d# i}ulcc i} elxx`oe i mcliz q`mx|zl gn gxflz mgox`o||d dldjlz} ioh xfl }lz~`ml} xflp gnnlz/

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