0(5&+$17352&(66,1*$33/,&$7,21$1'$*5((0(173DJHRI

0HUFKDQWBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB/RFBBBBBBRIBBBBBB &203/(7(6(&7,216-

7(//86$%287<285%86,1(66 &OLHQW¶V%XVLQHVV1DPH'RLQJ%XVLQHVV$V

3&6 &OLHQW¶V&RUSRUDWH/HJDO1DPH8VH$OVR)RU+HDGTXDUWHUV,QIRUPDWLRQ

3&6

%XVLQHVV$GGUHVV %LOOLQJ$GGUHVV,I'LIIHUHQW7KDQ/RFDWLRQ$GGUHVV

0&9,6$',6&29(51(7:25.)8//6(59,&($0(5,&$1(;35(66

/RFDWLRQ)D[ /RFDWLRQ3KRQH &RQWDFW1DPH

&LW\ 6WDWH =LS &LW\ 6WDWH =LS

%XVLQHVV:HEVLWH$GGUHVV &RQWDFW(-PDLO$GGUHVV

%XVLQHVV(-PDLO$GGUHVV &RQWDFW)D[ &RQWDFW3KRQH

(17,7/(0(176 0&9LVD'LVFRYHU)XOO3URFHVVLQJ$PH[2SW%OXH'LVFRYHU1HWZRUNV\VWHPVDQGUXOHVZLOOSURFHVVDQGJRYHUQ-&%7UDQVDFWLRQV6HOHFW'LVFRYHU)XOO3URFHVVLQJLI-&%LVUHTXHVWHG

3529,'(025(%86,1(66'$7$ 6WDWH,QFRUSBBBBBB0RQWK<U6WDUWHGBBBBBBBBB6ROH2ZQHUVKLS3DUWQHUVKLS1RQ3URILW7D[([HPSW3XEOLF&RUS3ULYDWH&RUS//&*RY¶W

&KHFNRQH7,17\SH(,1)HG7D[,'BBBBBBBBBBBBBBBBBBBBBBBBBBBB661BBBBBBBBBBBBBBBBBBBBBBBBBBB'%BBBBBBBBBBBBBBBBBBBBBBBBBBBB

127()DLOXUHWRSURYLGHDFFXUDWHLQIRUPDWLRQPD\UHVXOWLQDZLWKKROGLQJRIPHUFKDQWIXQGLQJSHU,56UHJXODWLRQV6HH3DUW,9$RI\RXU3URJUDP*XLGHIRUIXUWKHULQIRUPDWLRQ

1DPHDVLWDSSHDUVRQ\RXULQFRPHWD[IRUP )HGHUDO7D[,'DVLWDSSHDUVRQ\RXU66IRUP ,FHUWLI\WKDW,DPDIRUHLJQHQWLW\QRQUHVLGHQWDOLHQ,IFKHFNHGSOHDVHDWWDFK,56)RUP:-

0DJ6ZLSHBBBBBBBB.H\HG0DQXDOO\ BBBBBBBB ,IRUPRUHLVPDQXDOO\NH\HGSOHDVHSURYLGHWKH0272$GGHQGXP

&DUG3UHVHQW0$*6ZLSHDQGRU0DQXDO,PSULQWBBBBBB0DLO2UGHU'LUHFW0DUNHWLQJBBBBBB3KRQH2UGHUBBBBBB,QWHUQHWBBBBBB

'R\RXXVHDQ\WKLUGSDUW\WRVWRUHSURFHVVRUWUDQVPLWFDUGKROGHUGDWD"<HV1R([DPSOHVLQFOXGHEXWQRWOLPLWHGWRZHEKRVWLQJFRPSDQLHV(OHFWURQLF'DWD&DSWXUH/R\DOW\SURJUDPV ,I\HVJLYHQDPHDGGUHVVBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

'(6&5,%((48,30(17'(7$,/6 1HWZRUN&$5'QHW1DVKYLOOH%X\3DVV2WKHU6SHFLI\6HFXULW\&RGH;Ϳ

47< ,3 (TXLSPHQW7\SH 0RGHO&RGHDQG1DPH 5HSURJUDP1HZ'HSOR\PHQW

9$5,QWHUQHW6RIWZDUH1DPHBBBBBBBBBBBBBBBBBBBBBBB1DVKYLOOH2QO\3URGXFW,'BBBBBBBBBBBBBBBBBBBBB9HQGRU,'BBBBBBBBBBBBBBBBBBBB

6HQG5HWULHYDO5HTXHVWV)D[7\SHWR %XVLQHVV$GGUHVV)D[ 6,&0&&

6LJQLQJ5HSBBBBBBBBBBBBBBBBBBBBBBBBBBBBB 6DOHV2IILFH3KRQHBBBBBBBBBBBBBBBBBBB)$;BBBBBBBBBBBBBBBBBBB

&OLHQW,QLWLDOVBBBBBBBBBBBBBB

3/($6(6(1'&203/(7(',1)250$7,21723HWUROHXP&DUG6HUYLFHV 3KRQH)$;(PDLO$SSOLFDWLRQV#SFVIXHOFRPZZZSFVIXHOFRP

3DJHRI 3HWUROHXP&DUG6HUYLFHVLVDUHJLVWHUHG,62RI:HOOV)DUJR%DQN1$&RQFRUG&$

$OOWUDGHPDUNVVHUYLFHPDUNVDQGWUDGHQDPHVUHIHUHQFHGLQWKLVPDWHULDODUHWKHSURSHUW\RIWKHLUUHVSHFWLYHRZQHUV

,I\RXUEXVLQHVVLVFODVVLILHGDV+LJK5LVNDQGDVVLJQHGRULVODWHUDVVLJQHGEDVHGXSRQ\RXUEXVLQHVVDFWLYLW\DQ\RIWKHIROORZLQJ0HUFKDQW&DWHJRU\V&RGHV0&&DQGWKHUHJLVWUDWLRQLVUHTXLUHGZLWK9LVDDQGRU0DVWHUFDUGZLWKLQGD\VIURPZKHQ\RXUDFFRXQWVEHFRPHVDFWLYH$Q$QQXDO5HJLVWUDWLRQIHHRIPD\DSSO\IRU9LVDDQGRU0DVWHUFDUGWRWDOUHJLVWUDWLRQIHHVFRXOGEH)DLOXUHWRUHJLVWHUFRXOGUHVXOWLQILQHVLQH[FHVVRIIRUYLRODWLQJ9LVDDQGRU0DVWHUFDUGUHJXODWLRQV –5HJLVWUDWLRQIRU0&&LVRQO\UHTXLUHGIRU1RQ-)DFH-WR-IDFHDGXOWFRQWHQW–,QIRUPDWLRQKHUHLQLQFOXGLQJDSSOLFDEOH0&&¶VLVVXEMHFWWRFKDQJH

7RWDO0RQWKO\&DUG9ROXPHBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

(VWLPDWHG$YHUDJH7LFNHW6DOHV$PRXQWBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

(VWLPDWHG+LJK7LFNHW$PRXQWBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

6WDWHPHQW7\SHFKHFNRQH'HWDLO6XPPDU\6WDWHPHQW'HOLYHU\0HWKRGFKHFNRQH(-0DLOBBBBBBBBBBBBBBBBBBBBBBBBBB2QOLQH3ULQWDQG0DLO

%LOOLQJWREHSURFHVVHG 0RQWKO\ 'DLO\

3URILOH7\SH5HWDLO 3HWUROHXP /RGJLQJ 5HVWDXUDQW

$PH[–([LVWLQJ'LUHFW6(BBBBBBBBBBBBBBBBBBBBBBBBBBBBB $PHULFDQ([SUHVV&DSBBBBBBBBBBBBBBBBBBBBBB)UDQFKLVH1DPHBBBBBBBBBBBBBBBBBBBBB

'LVFRYHU-([LVWLQJ5HWDLQHG6(BBBBBBBBBBBBBBBBBBBBBBBB 1RQ-/LF-&%('&-([LVWLQJ$FFRXQWBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

3LQ'HELW (%7)16;5()BBBBBBBBBBBBBBBBBBBB(%7&DVK

:(;)XOO$FTXLULQJ:(;1RQ-)XOO6YF:H[&URVVURDGV 9R\DJHU7D[H[HPSW9R\DJHU0&)OHHW)XHOPDQ,'BBBBBBBBBBBBBBBB

3URGXFW6HUYLFHV<RX6HOOBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

'HSOR\PHQW,QVWUXFWLRQV 7R/RFDWLRQ2WKHU$GGUHVVBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

,QVWUXFWLRQV &OHUN6HUYHU(QWU\5HWDLO:LWK7LS$XWR6HWWOH7LPHBBBBBBBBBBB'HELW&DVK%DFNBBBBBBBBBBB

0(5&+$17352&(66,1*$33/,&$7,21$1'$*5((0(173DJHRI

)/$75$7(,&3/867,(535,&,1*6&+('8/(

0&$XWK)HH 59:;<BBBBBBB

9LVD$XWK)HH 59:;<BBBBBBB

'LVFRYHU-&%$XWK)HH ,9:;< 9:;<BBBBBBB

$PH[$XWK)HH ,9:;<BBBBBBB

0&9LVD'LVFRYHU$PH[9RLFH$96 $$$BBBBBBB

0&9LVD'LVFRYHU$PH[9RLFH$XWK)HH958 BBBBBBB

$96)HH$%&BBBBBBB

$XWKRUL]DWLRQDQG$96)HHV 6WDUW-8S)HHV2QH-7LPH&KDUJH 1RQ-7D[DEOH)HHV

$SSOLFDWLRQ)HH1RQ-5HIXQGDEOH,BBBBBBBBB

$FFRXQW9DOLGDWLRQ)HH BBBBBBBBB 2QH-WLPHIHHFKDUJHGDWWLPHRIERDUGLQJ

5HSURJUDPPLQJ)HH$BBBBBBBBB

'HELW6HW-XS)HH%BBBBBBBBB

0RQWKO\6HUYLFH)HHBBBBBBBBB

0LQLPXP3URFHVVLQJ)HHBBBBBBBBB

:LUHOHVV$FFHVV)HH3HU7,'-BBBBBBBBB

0RQWKO\&OLHQW/LQH)HH5BBBBBBBBB

H,'60RQWKO\)HH(BBBBBBBBB

5HJXODWRU\3URGXFW)HH ,BBBBBBBBB

0RQWKO\6WDWHPHQW)HHBBBBBBBBB

7,17)1%ODQNRU,QYDOLG)HHBBBBBBBBB DVDSSOLFDEOH

0HUFKDQW6XSSO\$GYDQWDJH BBBBBBBB

*DWHZD\)HH BBBBBBBB

1HWZRUN$FFHVV)HH–'HELWBBBBBBBB

0LVF)HHBBBBBBBBBBBBBB-BBBBBBBB

%LOOHG0RQWKO\)HHV

(DUO\7HUPLQDWLRQ)HHBBBBBBBBB

$QQXDO0HPEHUVKLS)HHBBBBBBBBB

&KDUJHEDFN)HH/BBBBBBBBB

5HWULHYDO)HHBBBBBBBBB

&¶EDFN5WYDO5FY¶G0DLO)-,%-(BBBBBBBBB

&¶EDFN5WYDO6HQW0DLO1-4--0BBBBBBBBB

%DWFK6HWWOHPHQW)HHBBBBBBBBB

(%73XUFKDVH5HWXUQ'HFOLQH<;BBBBBBBBB

9LVD0&'LVF$FFHVV)HHBBBBBBBBB

$PH[$FFHVV)HH (BBBBBBBB

9LVD1WZN$FT3URF)HH86&U+BBBBBBBBB

9LVD1WZN$FT3URF)HH86'%33-BBBBBBBBB

1$%8)HH 0%BBBBBBBBB

$&+5HMHFW)HHBBBBBBBBB

1RQ5HWXUQRI(TXLSPHQW)HH BBBBBBBBB

2WKHU)HHV

)OHHW&DUG)HHV $XWKRUL]DWLRQ)HHV

9R\DJHU'''9BBBBBBBBB :(; '%%9BBBBBBBBB )XHOPDQ %BBBBBBBBB

2WKHU3D\PHQW)HHV 9R\DJHU 6DOHV'LVFRXQW)HHBBBBBBBB:ULJKW([SUHVV 6DOHV'LVFRXQW)HHBBBBBBBB 5HWULHYDO)HH,BBBBBBBB &KDUJHEDFN)HH+BBBBBBBB

'DWDZLUH0LFURQRGH 0RQWKO\)HHHDFKBBBBBBBB

&OLHQW,QLWLDOVBBBBBBBBBBBBBB

,QWHUFKDQJHIHHVZLOOEHSDVVHGWKURXJKLIDSSOLFDEOH0&$FT&13$96)HH$FTXLUHU$96%LOOLQJ86'DQGQRQ86'&URVVERUGHUIHH*OREDO7UDYHO%%1&$,&IHH3URF,QWHJULW\)HH3UH-$XWK8QGHILQHG,PDJH)LQDO-$XWK$XWK-0LQ)HHOLFDQG.LORE\WH)HH$FFW6WDW,QT6YF,QWHUUHJ)HH'JWO(QDEOH)HH/RF)HH9LVD,QW¶O6YF9LVD,QW¶O$FT=HUR)ORRU/LPLW=HUR$PW.LORE\WH)HH0LVXVHRI$XWK3DUWLDODXWK137UDQV86'HELW7UDQV,QWHJULW\IHH$FFW6WDW,QT%DVH,,&UHGLWYRXFKHUIHHFUHGLW'HELW6YF,QWHUUHJ)HH'HELW6YF,QWHUHJ13))$1)9LVD&3&13VHH,&TXDOPDWUL[³,40´IRUELOOLQJWDEOHV'JWO:DOOHW%%9LUWXDOSPWVSURGXFW'LVFRYHU,QW¶O3URF)HH,QW¶O6YF)HH'DWD8VJ)HH &RPPHUFLDO&DUG,QWHUFKDQJH6HUYLFH³&&,6´:LWK&&,6ZKHQWUDQVDFWLRQVGRQ¶WLQFOXGHDQ\WD[LQIRUPDWLRQ \RXUVDOHVWD[ZLOOEHFRPSXWHGEDVHGRQWKHDSSOLFDEOHUDWHDW\RXUORFDWLRQWRDOORZ\RXWRREWDLQWKHEHVWLQWHUFKDQJH:KHQWKHVDOHVWD[LVFRPSXWHGRQ\RXUEHKDOIXQGHU&&,6ZHZLOOUHWDLQRIWKHLQWHUFKDQJHVDYLQJV,IDWUDQVDFWLRQLVIXOO\RUSDUWLDOO\H[HPSW\RXVKRXOGHQWHUWKHWD[DPRXQWHYHQLIWKDWDPRXQWLVDV&&,6DSSOLHV\RXUORFDOWD[UDWHWRWKHIXOODPRXQWRIWKHWUDQVDFWLRQZKHQWKHSURPSWLVE\SDVVHG

'LVFRXQW %DVHGRQ*URVV

6DOHV9RO

'LVFRXQW %DVHGRQ*URVV

6DOHV9RO

'LVFRXQW %DVHGRQ*URVV

6DOHV9RO

0&4XDO &UHGLW BBBBBBBBBBB

9LVD4XDO &UHGLW BBBBBBBBBBB

'LVFRYHU 4XDO&UHGLW BBBBBBBBBBB

0&4XDO 1RQ3LQ'HELW

BBBBBBBBBBB 9LVD4XDO1RQ-3LQ'HELW BBBBBBBBBBB

'LVFRYHU4XDO 1RQ-3LQ'HELW BBBBBBBBBBB

'LVFRXQW %DVHGRQ*URVV6DOHV

9RO

BBBBBBBBBBB

BBBBBBBBBBB

$PHULFDQ([SUHVV 4XDO&UHGLW

$PHULFDQ([SUHVV 3URJUDP&RVW$/

3DVV7KURXJK,QWHUFKDQJH-,QFOXGHV'XHVDQG$VVHVVPHQWV<RXZLOOEHFKDUJHGWKHDSSOLFDEOHLQWHUFKDQJHUDWHIURP0DVWHUFDUG9LVDRU'LVFRYHUSOXVD0DVWHUFDUG$VVHVVPHQW)HHRID9LVD$VVHVVPHQW)HHRI9LVD$VVHVVPHQW)HH&5/RIRUD'LVFRYHU$VVHVVPHQW)HHRIRUD3D\3DO$VVHVVPHQW)HH+RISOXVDQ\RWKHUIHHVLQGLFDWHGRQWKLV6HUYLFH)HH6FKHGXOH0DVWHUFDUG$VVHVVPHQW)HHZKHQWUDQVDFWLRQLVHTXDOWRRUPRUHZLOOEHDVVHVVHGDQDGGLWLRQDOSHUWUDQVDFWLRQ$PHULFDQ([SUHVV1HWZRUN)HHRI$PHULFDQ([SUHVVKDV3URJUDP3ULFLQJDQGQRW,QWHUFKDQJHDQGDUHVXEMHFWWRFKDQJH

6DOHV&UHGLW 1RQ-3,1'HELW 7UDQVDFWLRQ)HHBBBBBBBBBB

$PHULFDQ([SUHVV 6DOHV&UHGLW 7UDQVDFWLRQ)HHBBBBBBBBB

8QEXQGOHG3,1'HELW–7[Q)HH8QEXQGOHG3,1'HELW'LVFRXQW)HH

BBBBBBBBBBBB.H\BBBBBBBSOXVWKHDSSOLFDEOHQHWZRUNIHHV 3,1'HELW 'HFOLQH7UDQVDFWLRQ)HH5BBBBBB

(QKDQFHG6HFXULW\3NJ0RQWKO\ BBBBBBBBB 25

(QKDQFHG6HFXULW\3NJ$QQXDO BBBBBBBBB

(QKDQFHG6HFXULW\3DFNDJH

3529,'(<2852:1(5,1)250$7,21

2ZQHU3DUWQHU2IILFHU1DPH '2% 6RFLDO6HFXULW\ +RPH3KRQH

+RPH$GGUHVV &LW\ 6WDWH =LS 2ZQHU¶V(-0DLO$GGUHVV5HTXLUHGIRU&OLFNWR$JUHH

RI2ZQHUVKLS 7LWOH

3&6

2ZQHU3DUWQHU2IILFHU1DPH '2% 6RFLDO6HFXULW\ +RPH3KRQH

+RPH$GGUHVV &LW\ 6WDWH =LS 2ZQHU¶V(-0DLO$GGUHVV5HTXLUHGIRU&OLFNWR$JUHH

RI2ZQHUVKLS 7LWOH

2ZQHU3DUWQHU2IILFHU1DPH '2% 6RFLDO6HFXULW\ +RPH3KRQH

+RPH$GGUHVV &LW\ 6WDWH =LS 2ZQHU¶V(-0DLO$GGUHVV5HTXLUHGIRU&OLFNWR$JUHH

RI2ZQHUVKLS 7LWOH

2ZQHU3DUWQHU2IILFHU1DPH '2% 6RFLDO6HFXULW\ +RPH3KRQH

+RPH$GGUHVV &LW\ 6WDWH =LS 2ZQHU¶V(-0DLO$GGUHVV5HTXLUHGIRU&OLFNWR$JUHH

RI2ZQHUVKLS 7LWOH

3&6

3URYLGHWKHIROORZLQJLQIRUPDWLRQIRUHDFKLQGLYLGXDOZKRRZQVGLUHFWO\RULQGLUHFWO\RUPRUHRIWKHHTXLW\LQWHUHVWRI\RXUEXVLQHVV

&RQWUROOLQJ3RVLWLRQ '2% 6RFLDO6HFXULW\ +RPH3KRQH

+RPH$GGUHVV &LW\ 6WDWH =LS 2ZQHU¶V(-0DLO$GGUHVV5HTXLUHGIRU&OLFNWR$JUHH

RI2ZQHUVKLS 7LWOH

7UDQ$UPRU0RQWKO\)HH/BBBBBBBB

7UDQV$UPRU7[Q)HH(BBBBBBBB

0RELOH3D\0RQWKO\)HHBBBBBBBB

0RELOH3D\7UDQV)HHBBBBBBBB

3D\HH]\6HW-XS)HH3HU7,'%BBBBBBBB

3D\HH]\0RQWKO\)HH3HU7,'$BBBBBBBB

3D\HH]\7UDQVDFWLRQ)HH2)&BBBBBBBB

Visa/MC CCIS Enrollment (63V, 63M) ________ %

Other ( ) ________

3URGXFW)HHV

'LVFRXQW 7UDQVDFWLRQ)HH 'LVFRXQW 7UDQVDFWLRQ)HH

0&4XDO&UHGLW BBBBBBBB BBBBBBBBBB 'LVFRYHU4XDO&UHGLW BBBBBBBB BBBBBBBBBB

0&4XDO1RQ-3LQ'HELW BBBBBBBB BBBBBBBBBB 'LVFRYHU4XDO1RQ-3LQ'HELW BBBBBBBB BBBBBBBBBB

9LVD4XDO&UHGLW BBBBBBBB BBBBBBBBBB $PHULFDQ([SUHVV4XDO&UHGLW BBBBBBBB BBBBBBBBBB

9LVD4XDO1RQ-3LQ'HELW BBBBBBBB BBBBBBBBBB $PHULFDQ([SUHVV3URJUDP&RVW $/BBBBBBBB

0(5&+$17352&(66,1*$33/,&$7,21$1'$*5((0(173DJHRI '%$1DPHBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

'LVFRXQW)HH 7UDQVDFWLRQ)HH

'LVFRXQW)HH 7UDQVDFWLRQ)HH

0&4XDOLILHG&UHGLW BBBBBBBBBBBB BBBBBBBBBBBB 9LVD1RQ-4XDOLILHG1RQ-3LQ'HELW BBBBBBBBBBBB BBBBBBBBBBBB

0&0LG–4XDOLILHG&UHGLW BBBBBBBBBBBB BBBBBBBBBBBB 'LVFRYHU4XDOLILHG&UHGLW BBBBBBBBBBBB BBBBBBBBBBBB

0&1RQ-4XDOLILHG&UHGLW BBBBBBBBBBBB BBBBBBBBBBBB 'LVFRYHU0LG–4XDOLILHG&UHGLW BBBBBBBBBBBB BBBBBBBBBBBB

0&4XDOLILHG1RQ-3LQ'HELW BBBBBBBBBBBB BBBBBBBBBBBB 'LVFRYHU1RQ–4XDOLILHG&UHGLW BBBBBBBBBBBB BBBBBBBBBBBB

0&0LG–4XDOLILHG1RQ3LQ'HELW BBBBBBBBBBBB BBBBBBBBBBBB 'LVFRYHU4XDOLILHG1RQ-3LQ'HELW BBBBBBBBBBBB BBBBBBBBBBBB

0&1RQ-4XDOLILHG1RQ-3LQ'HELW BBBBBBBBBBBB BBBBBBBBBBBB 'LVFRYHU0LG–4XDOLILHG1RQ-3LQ'HELW BBBBBBBBBBBB BBBBBBBBBBBB

9LVD4XDOLILHG&UHGLW BBBBBBBBBBBB BBBBBBBBBBBB 'LVFRYHU1RQ–4XDOLILHG1RQ-3LQ'HELW BBBBBBBBBBBB BBBBBBBBBBBB

9LVD0LG–4XDOLILHG&UHGLW BBBBBBBBBBBB BBBBBBBBBBBB $PHULFDQ([SUHVV4XDOLILHG&UHGLW BBBBBBBBBBBB BBBBBBBBBBBB

9LVD1RQ-4XDOLILHG&UHGLW BBBBBBBBBBBB BBBBBBBBBBBB $PHULFDQ([SUHVV0LG–4XDOLILHG&UHGLW &BBBBBBBBBBBB 78BBBBBBBBBBBB

9LVD4XDOLILHG1RQ–3LQ'HELW BBBBBBBBBBBB BBBBBBBBBBBB $PHULFDQ([SUHVV1RQ–4XDOLILHG&UHGLW $BBBBBBBBBBBB 67BBBBBBBBBBBB

9LVD0LG4XDOLILHG1RQ-3LQ'HELW BBBBBBBBBBBB BBBBBBBBBBBB $PHULFDQ([SUHVV3URJUDP&RVW $/BBBBBBBBBBBB

)/$75$7(,&3/867,(535,&,1*6&+('8/(FRQW·G

)ODW5DWH

'XHV$VVHVVPHQWV/ %LOOEDFN

1RQ-4XDOLILHG6XUFKDUJH)HHH[FOXGLQJLQWHUFKDQJHSDVV-WKURXJKIHHV VHH6HFWLRQ$SSOLHVWR1RQ-TXDOLILHG0&9LVD'LVFRYHU&UHGLW DQGRU1RQ-3,1'HELW7UDQVDFWLRQV 'BBBBBBBBB

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¶V%XVLQHVV3ULQFLSDO3OHDVHVLJQEHORZ

3(5621$/*8$5$17< 3&6 3&6

,QH[FKDQJHIRU3HWUROHXP&DUG6HUYLFHVDQG:HOOV)DUJR%DQN1$¶VDPHPEHURI9LVD86$,QFDQG0DVWHUFDUG,QWHUQDWLRQDO,QFDFFHSWDQFHRIWKHDJUHHPHQWWKHXQGHUVLJQHGXQFRQGLWLRQDOO\JXDUDQWHHVSHUIRUPDQFHRIWKH&OLHQW¶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

352&(6625)RU3HWUROHXP&DUG6HUYLFHVDQG:HOOV)DUJR%DQN1$DPHPEHURI9LVD86$,QFDQG0DVWHUFDUG ,QWHUQDWLRQDO,QF ;6LJQDWXUHBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

;6LJQDWXUHBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

3ULQW1DPHBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB'DWHBBBBBBBBBBBB

7LWOH3UHV930HPEHU//&2ZQHU3DUWQHU2WKHUBBBBBBBBBBBB

6LJQDWXUHBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB3ULQW1DPHBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB'DWHBBBBBBBBBBB

7LWOH3UHV930HPEHU//&2ZQHU3DUWQHU2WKHUBBBBBBBBBBBB

3&6 3&6

'LVFRXQW)HHV%DVHG2Q*URVV6DOHV9ROXPH

$*5((0(17$33529$/

$FFHSWDOO0DVWHUFDUG9LVDDQG'LVFRYHU–3D\3DODQG$PHULFDQ([SUHVV2SW%OXH7UDQVDFWLRQVSUHVXPHGXQOHVVDQ\VHOHFWLRQVEHORZDUHFKHFNHG

0DVWHUFDUG$FFHSWDQFH 9LVD$FFHSWDQFH 'LVFRYHU$FFHSWDQFH $PHULFDQ([SUHVV2SW%OXH$FFHSWDQFH $FFHSW0&&UHGLWWUDQVDFWLRQVRQO\ $FFHSW9LVD&UHGLWWUDQVDFWLRQVRQO\ $FFHSW'LVFRYHU&UHGLWWUDQVDFWLRQVRQO\$FFHSW$PHULFDQ([SUHVV&UHGLWWUDQVDFWLRQVRQO\ $FFHSW0&1RQ-3,1'HELWWUDQVRQO\ $FFHSW9LVD1RQ-3,1'HELWWUDQVRQO\ $FFHSW'LVFRYHU1RQ-3,1'HELWWUDQVRQO\'LVFRYHU1HWZRUN–3D\3DO 'LVFRYHUQHWZRUN–3D\3DO&UHGLWWUDQVDFWLRQV2QO\

<RXDUHUHVSRQVLEOHIRUGLVWLQJXLVKLQJ&UHGLWIURP1RQ-3,1'HELW&DUGV(YHQLI\RXKDYHDJUHHGWROLPLW\RXUDFFHSWDQFHRIFHUWDLQFDUGVDVRXWOLQHGDERYH\RXPXVWFRQWLQXHWRDFFHSWDOOIRUHLJQLVVXHGFDUGVZKHWKHU&UHGLWRU1RQ-3,1'HELW,I\RXDJUHHWROLPLW\RXUDFFHSWDQFHWRDSDUWLFXODUW\SHRIFDUGDQGZKHWKHULQWHQWLRQDOO\RULQHUURUDFFHSWDQRWKHUW\SHRIWUDQVDFWLRQWKHUHVXOWLQJWUDQVDFWLRQZLOOGRZQJUDGHWRWKHKLJKHVWFRVWLQWHUFKDQJHSOXVWKHDSSOLFDEOH1RQ-4XDOLILHG6XUFKDUJH6HH6HFWLRQRIWKH3URJUDP*XLGH

%$1.,1*,1)250$7,21 %DQN1DPH 3KRQH1XPEHU

5RXWLQJ1XPEHU ''$

%XQGOHG3,1'HELW BBBBBBBBBBBBBBBBBB