Offi-Guid-TOEFL

;VMXMRK

;VMXMRK &EWIH SR /RS[PIHKI ERH )\TIVMIRGI

(MVIGXMSRW *SV XLMW XEWO ]SY [MPP [VMXI ER IWWE] MR VIWTSRWI XS E UYIWXMSR XLEX EWOW ]SY XS WXEXI I\TPEMR ERH WYTTSVX ]SYV STMRMSR SR ER MWWYI

8]TMGEPP] ER IJJIGXMZI IWWE] [MPP GSRXEMR E QMRMQYQ SJ [SVHW =SYV IWWE] [MPP FI NYHKIH SR XLI UYEPMX] SJ ]SYV [VMXMRK 8LMW MRGPYHIW XLI HIZIPSTQIRX SJ ]SYV MHIEW XLI SVKERM^EXMSR SJ ]SYV IWWE] ERH XLI UYEPMX] ERH EGGYVEG] SJ XLI PERKYEKI ]SY YWI XS I\TVIWW ]SYV MHIEW

=SY LEZI QMRYXIW XS TPER ERH GSQTPIXI ]SYV IWWE]

;VMXI ]SYV IWWE] MR XLI WTEGI TVSZMHIH

7SQI ]SYRK EHYPXW [ERX MRHITIRHIRGI JVSQ XLIMV TEVIRXW EW WSSR EW TSWWMFPI 3XLIV ]SYRK EHYPXW TVIJIV XS PMZI [MXL XLIMV JEQMPMIW JSV E PSRKIV XMQI ;LMGL SJ XLIWI WMXYEXMSRW HS ]SY XLMRO MW FIXXIV# 9WI WTIGMJMG VIEWSRW ERH I\EQTPIW XS WYTTSVX ]SYV STMRMSR

+3 32 83 8,) 2)<8 4%+) K

83)*0 M&8 4VEGXMGI 8IWX

7834 8LMW MW XLI IRH SJ XLI ;VMXMRK WIGXMSR SJ 83)*0 M&8 4VEGXMGI 8IWX

83)*0 M&8 4VEGXMGI 8IWX

%RW[IVW )\TPEREXMSRW ERH 0MWXIRMRK 7GVMTXW

6IEHMRK

%RW[IV /I] ERH 7IPJ 7GSVMRK 'LEVX

(MVIGXMSRW 'LIGO ]SYV ERW[IVW EKEMRWX XLI %RW[IV /I] FIPS[ ;VMXI XLI RYQFIVSR XLI PMRI XS XLI VMKLX SJ IEGL UYIWXMSR MJ ]SY TMGOIH XLI GSVVIGX ERW[IV *SV UYIWXMSRW [SVXL QSVI XLER SRI TSMRX JSPPS[ XLI HMVIGXMSRW KMZIR 8SXEP ]SYV TSMRXW EX XLI FSXXSQ SJ XLI GLEVX

5YIWXMSR 2YQFIV	'SVVIGX %RW[IV	=SYV 6E[ 4SMRXW
2MRIXIIRXL 'IRXYV] 4SPMXMGW MR XLI 9RMXIH 7XEXIW
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC

*SV UYIWXMSR [VMXI MJ ]SY TMGOIH EPP XLVII GSVVIGX ERW[IVW ;VMXI MJ ]SY TMGOIH X[S GSVVIGX ERW[IVW

CCCCCC

83)*0 M&8 4VEGXMGI 8IWX

5YIWXMSR 2YQFIV	'SVVIGX %RW[IV	=SYV 6E[ 4SMRXW
8LI )\TVIWWMSR SJ )QSXMSRW
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC

*SV UYIWXMSR [VMXI MJ ]SY TMGOIH EPP XLVII GSVVIGX ERW[IVW ;VMXI MJ ]SY TMGOIH X[S GSVVIGX ERW[IVW

		CCCCCC
5YIWXMSR 2YQFIV	'SVVIGX %RW[IV	=SYV 6E[ 4SMRXW
+ISPSK] ERH 0ERHWGETI
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC
		CCCCCC

*SV UYIWXMSR [VMXI MJ ]SY TPEGIH JMZI ERW[IV GLSMGIW GSVVIGXP] ;VMXI MJ ]SY TPEGIH GLSMGIW GSVVIGXP] ;VMXI MJ ]SY TPEGIH GLSMGIW GSVVIGXP]

'SRWXVYGXMZI
(IWXVYGXMZI		CCCCCC
838%0		CCCCCC

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

%RW[IVW )\TPEREXMSRW ERH 0MWXIRMRK 7GVMTXW

F8LI IWXMQEXIW SJ WGSVIW EVI FEWIH SR XLI TIVJSVQERGI SJ WXYHIRXW [LS TEVXMGMTEXIH MR E JMIPH WXYH] JSV XLIWI 6IEHMRK 'SQTVILIRWMSR UYIWXMSRW 8LSWI WXYHIRXW XSSO XLI XIWX SR GSQTYXIV ]SY YWIH E FSSO %PXLSYKL XLI X[S I\TIVMIRGIW EVI GSQTEVEFPI XLI HMJJIVIRGIW QEOI I\EGX GSQTEVMWSRW MQTSWWMFPI

F8LI WXYHIRXW [LS TEVXMGMTEXIH MR XLI JMIPH WXYH] [IVI ZSPYRXIIVW ERH QE] LEZI HMJJIVIH MR EZIVEKI EFMPMX] JVSQ XLI EGXYEP 83)*0 XIWX XEOMRK TSTY PEXMSR

F8LI GSRZIVWMSR SJ WGSVIW JVSQ XLI JMIPH WXYH] MR [LMGL XLIWI UYIWXMSRW [IVI EHQMRMWXIVIH XS XLI GYVVIRX 83)*0 M&8 WGEPI MRZSPZIH X[S WGEPI GSR ZIVWMSRW 'SRZIVXMRK JVSQ SRI WGEPI XS ERSXLIV EP[E]W MRZSPZIW WSQI WXE XMWXMGEP IVVSV

=SY WLSYPH YWI ]SYV WGSVI IWXMQEXI EW E KIRIVEP KYMHI SRP] =SYV EGXYEP WGSVI

SR 83)*0 M&8 QE] FI LMKLIV SV PS[IV XLER ]SYV WGSVI SR XLI TVEGXMGI ZIVWMSR

6IEHMRK 'SQTVILIRWMSR

6%; 43-28 838%0	7'%0) 7'36)
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83)*0 M&8 4VEGXMGI 8IWX

%RW[IV )\TPEREXMSRW

2MRIXIIRXL 'IRXYV] 4SPMXMGW MR XLI 9RMXIH 7XEXIW

8LMW MW E :SGEFYPEV] UYIWXMSR 8LI [SVH FIMRK XIWXIH MW MQQIEWYVEFP] -X MW LMKLPMKLXIH MR XLI TEWWEKI -QQIEWYVEFP] QIERW qMR E QERRIV XSS FMK XS FI QIEWYVIH r 7S MJ .EGOWSR IRPEVKIH XLI 4VIWMHIRXtW TS[IVW WS QYGL XLEX XLI VIWYPXW GERtX FI QIEWYVIH LI IRPEVKIH XLIQ qKVIEXP] r

8LMW MW E *EGXYEP -RJSVQEXMSR UYIWXMSR EWOMRK JSV WTIGMJMG MRJSVQEXMSR XLEX GER FI JSYRH MR TEVEKVETL 8LI GSVVIGX ERW[IV MW GLSMGI FIGEYWI XLI JMVWX WIRXIRGI SJ XLI TEVEKVETL I\TPMGMXP] WXEXIW XLEX XLMW [EW [LIR XLI HIZIPST QIRX SJ XLI QSHIVR TVIWMHIRG] FIKER 8LI VIQEMRHIV SJ XLI TEVEKVETL MW HIZSXIH XS I\TPEMRMRK XLI WMKRMJMGERX GLERKIW MR KSZIVRQIRX XLEX XLMW HIZIP STQIRX MRZSPZIH 8LI VIWYPX EW WXEXIH MR WIRXIRGI [EW XLEX XLI REXYVI SJ XLI TVIWMHIRG] MXWIPJ [EW VIHIJMRIH 'LSMGI MW GSRXVEHMGXIH F] XLI TEVEKVETL

.EGOWSR HMHRtX KMZI TVIWMHIRXMEP TS[IV E[E] LI MRGVIEWIH MX 'LSMGI MW RSX QIRXMSRIH MR XLI TEVEKVETL MX WE]W .EGOWSR EHHVIWWIH XLI 7IREXI FYX RSX XLEX XLMW [EW XLI FIKMRRMRK SJ VIKYPEV EHHVIWWIW 'LSMGI [LMGL WE]W XLEX XLMW [EW XLI JMVWX XMQI XLI 7IREXI STTSWIH XLI 4VIWMHIRX MW RSX WXEXIH MR XLI TEWWEKI

8LMW MW E 6LIXSVMGEP 4YVTSWI UYIWXMSR -X MW EWOMRK ]SY [L] XLI EYXLSV QIR XMSRW qFEROIVW ERH MRZIWXSVWr MR XLI TEWWEKI 8LI TLVEWI FIMRK XIWXIH MW LMKL PMKLXIH MR XLI TEWWEKI 8LI GSVVIGX ERW[IV MW GLSMGI 8LI EYXLSV MW YWMRK FEROIVW ERH MRZIWXSVW EW I\EQTPIW SJ TISTPI XLEX XLI (IQSGVEXW GPEMQIH [IVI qQERMTYPEXMRKr XLI FEROMRK W]WXIQ JSV XLIMV S[R TVSJMX 8LEX QIERW XLEX XLI] [IVI YRJEMVP] FIGSQMRK VMGL 'LSMGIW ERH EVI EPP MRGSVVIGX FIGEYWI FEWIH YTSR XLI TEWWEKI XLI] WIIQ YRPMOIP] XS FI XVYI 8LIVIJSVI XLI EYXLSV [SYPH RSX YWI XLIQ EW I\EQTPIW

8LMW MW E *EGXYEP -RJSVQEXMSR UYIWXMSR EWOMRK JSV WTIGMJMG MRJSVQEXMSR XLEX GER FI JSYRH MR TEVEKVETL 'LSMGI MW XLI GSVVIGX ERW[IV 8LI TEVEKVETL WE]W XLEX ;LMKW FIPMIZIH GSQQIVGI ERH IGSRSQMG HIZIPSTQIRX q[SYPH FIRI JMX IZIV]SRI r 8LEX QIERW IWWIRXMEPP] XLI WEQI XLMRK EW GLSMGI [LMGL WE]W XLEX ;LMKW FIPMIZIH IGSRSQMG KVS[XL [SYPH qTVSQSXI XLI EHZERGIQIRX SJ WSGMIX] EW E [LSPI r q7SGMIX] EW E [LSPIr MW ERSXLIV [E] SJ WE]MRK qIZIV]SRI r 'LSMGIW ERH EVI RSX QIRXMSRIH MR XLI TEVEKVETL 'LSMGI EFSYX GSRJPMGX FIX[IIR KVSYTW MW QIRXMSRIH FYX MR E HMJJIVIRX GSRXI\X WS MX MW RSX E FIPMIJ LIPH F] ;LMKW

8LMW MW E *EGXYEP -RJSVQEXMSR UYIWXMSR EWOMRK JSV WTIGMJMG MRJSVQEXMSR XLEX GER FI JSYRH MR TEVEKVETL 8LI GSVVIGX ERW[IV MW GLSMGI XLI ;LMKW ZMI[IH KSZIVRQIRX EW VIWTSRWMFPI JSV QEMRXEMRMRK ER IGSRSQ] XLEX EPPS[IH EPP GETEFPI GMXM^IRW XS FIRIJMX 8LMW MW E VIWXEXIQIRX SJ TEVEKVETL WIRXIRGI 8LI TEVEKVETL WXEXIW XLEX ;LMKW HMH RSX IRZMWMSR GSRXMRYMRK GSRJPMGX FIX[IIR JEVQIVW ERH FYWMRIWW TISTPI WS GLSMGI MW [VSRK ;LMKW JEZSVIH GLERKIW

%RW[IVW )\TPEREXMSRW ERH 0MWXIRMRK 7GVMTXW

FVSYKLX EFSYX F] XLI QEVOIX WS GLSMGI MW [VSRK ;LMKW [IVI MR JEZSV SJ MRGVIEWIH IQTLEWMW SR IGSRSQMG HIZIPSTQIRX WS GLSMGI MW MRGSVVIGX

8LMW MW E :SGEFYPEV] UYIWXMSR 8LI [SVH FIMRK XIWXIH MW MRGPMREXMSR -X MW LMKLPMKLXIH MR XLI TEWWEKI 8LI JEGX XLEX .EGOWSR LEH ER MRGPMREXMSR XS FI E WXVSRK 4VIWMHIRX QIERW XLEX LI TVIJIVVIH FIMRK WXVSRK XS LEZMRK PMQMXIH TS[ IVW -R SXLIV [SVHW LMW qXIRHIRG]r [EW XS JEZSV E WXVSRK TVIWMHIRG] WS GLSMGIMW XLI GSVVIGX ERW[IV

8LMW MW E *EGXYEP -RJSVQEXMSR UYIWXMSR EWOMRK JSV WTIGMJMG MRJSVQEXMSR XLEX GER FI JSYRH MR TEVEKVETL 8LI GSVVIGX ERW[IV MW GLSMGI [LMGL MW I\TPMG MXP] WXEXIH MR WIRXIRGI SJ XLI TEVEKVETL 7IRXIRGIW ERH I\TPMGMXP] VIJYXI XLI SXLIV GLSMGIW

8LMW MW E :SGEFYPEV] UYIWXMSR 8LI [SVH FIMRK XIWXIH MW GSRGITX -X MW LMKL PMKLXIH MR XLI TEWWEKI 8LI TEWWEKI WE]W XLEX qJSV ;LMKW XLI GSRGITX SJ KSZ IVRQIRX [EW r -R SXLIV [SVHW qXLI [E] ;LMKW XLSYKLX EFSYX KSZIVRQIRX [EW q8LEX TVSGIWW SJ XLMROMRK VITVIWIRXW MHIEW WS GLSMGI MW XLI GSVVIGX ERW[IV LIVI

8LMW MW ER -RJIVIRGI UYIWXMSR EWOMRK JSV ER MRJIVIRGI XLEX GER FI WYTTSVXIH F] TEVEKVETL 8LI GSVVIGX ERW[IV MW GLSMGI ZEVMEXMSRW MR ;LMKWt TSPMXMGEP FIPMIJW VIJPIGXIH VIKMSREP HMJJIVIRGIW 8LMW MW WYTTSVXIH F] WIRXIRGI SJ XLI TEVEKVETL [LMGL WE]W XLEX GIVXEMR FIPMIJW qTEVXMGYPEVP]r VIJPIGXIH XLI ZMI[W SJ RSVXLIVR ;LMKW 8LEX WYKKIWXW XLEX ;LMKW MR SXLIV VIKMSRW SJ XLI GSYRXV] LEH FIPMIJW XLEX ZEVMIH JVSQ XLMW ZMI[ ERH MQTPMIW XLEX WYGL HMJJIVIRGIW [IVI VIKMSREP 8LI SXLIV XLVII GLSMGIW EVI RSX QIRXMSRIH MR XLI TEWWEKI MR GSRRIG XMSR [MXL qZEVMEXMSRWr MR ;LMK FIPMIJW WS XLIVI MW RS FEWMW JSV MRJIVVMRK ER] SJ XLIQ

8LMW MW E 2IKEXMZI *EGXYEP -RJSVQEXMSR UYIWXMSR EWOMRK JSV WTIGMJMG MRJSV QEXMSR XLEX GER FI JSYRH MR TEVEKVETL 'LSMGI MW XLI GSVVIGX ERW[IV 7IRXIRGI WE]W XLEX MX [EW ;LMKW RSX (IQSGVEXW [LS LEH XLI WYTTSVX SJ TPERXIVW MRZSPZIH MR MRXIVREXMSREP XVEHI 8LI RI\X WIRXIRGI WIRXIRGI WE]W XLEX MR GSRXVEWX (IQSGVEXW LEH XLI WYTTSVX SJ XLI KVSYTW QIRXMSRIH MR GLSMGIW ERH q[SVOIVW r qIRXVITVIRIYVW r ERH GIVXEMR SXLIV qMRHMZMHY EPWr 8LIVIJSVI EPP SJ XLI KVSYTW HIWGVMFIH MR XLI ERW[IV GLSMGIW )<')48 XLI TPERXIVW SJ GLSMGI HMH WYTTSVX XLI (IQSGVEXW

8LMW MW E 7IRXIRGI 7MQTPMJMGEXMSR UYIWXMSR %W [MXL EPP SJ XLIWI MXIQW E WMR KPI WIRXIRGI MR XLI TEWWEKI MW LMKLPMKLXIH

8LI ;LMKW [IVI WXVSRKIWX MR XLI XS[RW GMXMIW ERH XLSWI VYVEP EVIEW XLEX [IVI JYPP]

MRXIKVEXIH MRXS XLI QEVOIX IGSRSQ] [LIVIEW (IQSGVEXW HSQMREXIH EVIEW SJ WIQM

WYFWMWXIRGI JEVQMRK XLEX [IVI QSVI MWSPEXIH ERH PERKYMWLMRK IGSRSQMGEPP]

83)*0 M&8 4VEGXMGI 8IWX

8LI GSVVIGX ERW[IV MW GLSMGI 'LSMGI GSRXEMRW EPP SJ XLI IWWIRXMEP MRJSV QEXMSR MR XLI XIWXIH WIRXIRGI FYX XLI SVHIV MR [LMGL MX MW TVIWIRXIH MW VIZIVWIH 8LI LMKLPMKLXIH WIRXIRGI HIWGVMFIW EVIEW SJ ;LMK WXVIRKXL JMVWX ERH XLIR XLI EVIEW [LIVI (IQSGVEXW [IVI WXVSRK 8LI GSVVIGX ERW[IV GLSMGI HIWGVMFIW (IQSGVEX WXVSRKLSPHW JMVWX ERH XLIR ;LMK EVIEW 2S QIERMRK LEW FIIR GLERKIH ERH RS MRJSVQEXMSR LEW FIIR PIJX SYX

'LSMGI MW MRGSVVIGX FIGEYWI MX WXEXIW XLEX ;LMKW [IVI EFPI XS EXXVEGX WYT TSVX SRP] MR XLI [IEPXLMIWX EVIEW 8LI LMKLPMKLXIH WIRXIRGI HSIW RSX WE] XLEX MX WE]W XLIMV WYTTSVX GEQI JVSQ TPEGIW MRXIKVEXIH MRXS XLI QEVOIX [LMGL GER MRGPYHI EVIEW SJ EPP IGSRSQMG PIZIPW

'LSMGI MW MRGSVVIGX FIGEYWI MX WE]W XLEX XLI X[S TEVXMIW [IVI WTPMX FIX[IIR VYVEP ERH YVFER EVIEW ,S[IZIV XLI LMKLPMKLXIH WIRXIRGI WE]W XLEX ;LMKW [IVI WXVSRK MR VYVEP EVIEW XLEX [IVI MRXIKVEXIH MRXS XLI QEVOIX IGSRSQ] -R SXLIV [SVHW XLI WTPMX FIX[IIR XLI TEVXMIW [EW FEWIH SR XLI HIKVII XS [LMGL ER EVIE [EW MRXIKVEXIH MRXS XLI QEVOIX RSX [LIXLIV MX [EW YVFER SV VYVEP

'LSMGI MW MRGSVVIGX FIGEYWI XLI LMKLPMKLXIH WIRXIRGI QEOIW RS QIRXMSR SJ LS[ SV MJ XLI ;LMKWt GSRXVSP SJ XLI QEVOIX IGSRSQ] EJJIGXIH XLI EVIEW HSQ MREXIH F] XLI (IQSGVEXW

8LMW MW ER -RWIVX 8I\X UYIWXMSR =SY GER WII XLI JSYV FPEGO WUYEVIW MR TEVE KVETL XLEX VITVIWIRX XLI TSWWMFPI ERW[IV GLSMGIW LIVI

(YVMRK .EGOWSRtW WIGSRH XIVQ LMW STTSRIRXW LEH KVEHYEPP] GSQI XSKIXLIV XS JSVQ XLI ;LMK TEVX] ;LMKW ERH (IQSGVEXW LIPH HMJJIVIRX EXXMXYHIW XS[EVH XLI GLERKIW FVSYKLX EFSYX F] XLI QEVOIX FEROW ERH GSQQIVGI 8LI (IQSGVEXW XIRHIH XS ZMI[ WSGMIX] EW E GSRXMRYMRK GSRJPMGX FIX[IIR qXLI TISTPIrhJEVQIVW TPERXIVW ERH [SVOIVWhERH E WIX SJ KVIIH] EVMWXSGVEXW 8LMW qTETIV QSRI] EVMW XSGVEG]r SJ FEROIVW ERH MRZIWXSVW QERMTYPEXIH XLI FEROMRK W]WXIQ JSV XLIMV S[R TVSJMX (IQSGVEXW GPEMQIH ERH WETTIH XLI REXMSRtW ZMVXYI F] IRGSYVEKMRK WTIGY PEXMSR ERH XLI HIWMVI JSV WYHHIR YRIEVRIH [IEPXL 8LI (IQSGVEXW [ERXIH XLI VI[EVHW SJ XLI QEVOIX [MXLSYX WEGVMJMGMRK XLI JIEXYVIW SJ E WMQTPI EKVEVMER VITYF PMG 8LI] [ERXIH XLI [IEPXL XLEX XLI QEVOIX SJJIVIH [MXLSYX XLI GSQTIXMXMZI GLERKMRK WSGMIX] XLI GSQTPI\ HIEPMRK XLI HSQMRERGI SJ YVFER GIRXIVW ERH XLI PSWW SJ MRHITIRHIRGI XLEX GEQI [MXL MX

8LI WIRXIRGI TVSZMHIH q8LMW RI[ TEVX] EVKYIH EKEMRWX XLI TSPMGMIW SJ .EGOWSR ERH LMW TEVX] MR E RYQFIV SJ MQTSVXERX EVIEW FIKMRRMRK [MXL XLI IGSRSQ] r MW FIWX MRWIVXIH EX WUYEVI

7UYEVI MW GSVVIGX FIGEYWI XLI TLVEWI q8LMW RI[ TEVX]r VIJIVW HMVIGXP] ERH SRP] XS XLI ;LMKW [LS EVI JMVWX QIRXMSRIH EW E VIGIRXP] JSVQIH TEVX] MR WIRXIRGI SJ XLMW TEVEKVETL

7UYEVI MW MRGSVVIGX FIGEYWI XLI WIRXIRGI FIJSVI MW RSX PMQMXIH XS XLI RI[ ;LMK TEVX] -X HMWGYWWIW FSXL ;LMKW ERH (IQSGVEXW

7UYEVIW ERH EVI FSXL MRGSVVIGX FIGEYWI XLI WIRXIRGIW TVIGIHMRK XLIQ VIJIV XS XLI (IQSGVEXW XLI SPH TEVX] RSX XLI ;LMKW

%RW[IVW )\TPEREXMSRW ERH 0MWXIRMRK 7GVMTXW

8LMW MW E 4VSWI 7YQQEV] UYIWXMSR -X MW GSQTPIXIH GSVVIGXP] FIPS[ 8LI GSVVIGX GLSMGIW EVI ERH 'LSMGIW ERH EVI XLIVIJSVI MRGSVVIGX

(MVIGXMSRW

8LMW UYIWXMSR MW [SVXL TSMRXW

8LI TSPMXMGEP W]WXIQ SJ XLI 9RMXIH 7XEXIW MR XLI QMH RMRIXIIRXL GIRXYV] [EW WXVSRKP] MRJPYIRGIH F] XLI WSGMEP ERH IGSRSQMG GMVGYQWXERGIW SJ XLI XMQI

F 8LI (IQSGVEXMG ERH ;LMK 4EVXMIW HIZIPSTIH MR VIWTSRWI XS XLI RIIHW SJ GSQTIXMRK IGSRSQMG ERH TSPMXMGEP GSRWXMXYIRGMIW

F% JYRHEQIRXEP HMJJIVIRGI FIX[IIR ;LMKW ERH (IQSGVEXW MRZSPZIH XLI MQTSVXERGI SJ XLI QEVOIX MR WSGMIX]

F8LI VSPI SJ KSZIVRQIRX MR XLI PMZIW SJ XLI TISTPI [EW ER MQTSVXERX TSPMXMGEP HMWXMRGXMSR FIX[IIR XLI X[S TEVXMIW

8LI (IQSGVEXMG ERH ;LMK 4EVXMIW HIZIPSTIH MR VIWTSRWI XS XLI RIIHW SJ GSQTIXMRK IGSRSQMG ERH TSPMXMGEP GSRWXMXYIRGMIW

(YVMRK %RHVI[ .EGOWSRtW X[S XIVQW EW 4VIWMHIRX LI WIVZIH EW PIEHIV SJ FSXL XLI (IQSGVEXMG ERH ;LMK TEV XMIW

8LI (IQSGVEXMG 4EVX] TVMQEVMP] VIT VIWIRXIH XLI MRXIVIWXW SJ XLI QEVOIX FEROW ERH GSQQIVGI

-R GSRXVEWX XS XLI (IQSGVEXW XLI ;LMKW JEZSVIH KSZIVRQIRX EMH JSV IHYGEXMSR

% JYRHEQIRXEP HMJJIVIRGI FIX[IIR ;LMKW ERH (IQSGVEXW MRZSPZIH XLI MQTSVXERGI SJ XLI QEVOIX MR WSGMIX]

8LI VSPI SJ KSZIVRQIRX MR XLI PMZIW SJ XLI TISTPI [EW ER MQTSVXERX TSPMXMGEP HMWXMRGXMSR FIX[IIR XLI X[S TEVXMIW

'LSMGI q8LI (IQSGVEXMG ERH ;LMK 4EVXMIW HIZIPSTIH MR VIWTSRWI XS XLI RIIHW SJ GSQTIXMRK IGSRSQMG ERH TSPMXMGEP GSRWXMXYIRGMIW r MW GSVVIGX FIGEYWI MX MW E VIGYVVMRK XLIQI XLVSYKLSYX XLI IRXMVI TEWWEKI -X MW E FVSEH KIRIVEP WXEXI QIRX EFSYX XLI HIZIPSTQIRX SJ XLI ;LMKW ERH (IQSGVEXW 4EVEKVETLWERH EPP TVSZMHI WYTTSVX JSV XLMW WXEXIQIRX [MXL I\EQTPIW SJ XLI REXYVI SJ XLI GSQTIXMRK GSRWXMXYIRGMIW MR XLI 9RMXIH 7XEXIW EX XLEX XMQI ERH XLI [E]W MR [LMGL XLIWI X[S TEVXMIW VIWTSRHIH XS XLIQ

'LSMGI q% JYRHEQIRXEP HMJJIVIRGI FIX[IIR ;LMKW ERH (IQSGVEXW MRZSPZIH XLI MQTSVXERGI SJ XLI QEVOIX MR WSGMIX] r MW GSVVIGX FIGEYWI MX MW E FVSEH KIRIVEP WXEXIQIRX EFSYX XLI HMJJIVIRGIW FIX[IIR XLI ;LMKW ERH (IQSGVEXW 4EVE KVETLW ERH EPP TVSZMHI WYTTSVX JSV XLMW WXEXIQIRX [MXL I\EQTPIW SJ XLI HMJJIVIRGIW MR XLI [E]W XLEX XLI X[S TEVXMIW ZMI[IH XLI QEVOIX ERH WSGMIX]

83)*0 M&8 4VEGXMGI 8IWX

'LSMGI q8LI VSPI SJ KSZIVRQIRX MR XLI PMZIW SJ XLI TISTPI [EW ER MQTSVXERX TSPMXMGEP HMWXMRGXMSR FIX[IIR XLI X[S TEVXMIW r MW GSVVIGX FIGEYWI MX MW ERSXLIV FVSEH KIRIVEP WXEXIQIRX EFSYX XLI HMJJIVIRGIW FIX[IIR XLI ;LMKW ERH (IQSGVEXW 4EVEKVETLW ERH EPP I\TPMGMXP] I\TPSVI XLMW HMWXMRGXMSR FIX[IIR ;LMKW ERH (IQSGVEXW

'LSMGI q(YVMRK %RHVI[ .EGOWSRtW X[S XIVQW EW 4VIWMHIRX LI WIVZIH EW PIEHIV SJ FSXL XLI (IQSGVEXMG ERH ;LMK 4EVXMIW r MW MRGSVVIGX FIGEYWI MX GSRXVEHMGXW XLI TEWWEKI .EGOWSR [EW LIEH SJ XLI (IQSGVEXMG 4EVX]

'LSMGI q8LI (IQSGVEXMG 4EVX] TVMQEVMP] VITVIWIRXIH XLI MRXIVIWXW SJ XLI QEV OIX FEROW ERH GSQQIVGI r MW MRGSVVIGX FIGEYWI MX MW RSX XVYI 8LI ;LMKW TVM QEVMP] VITVIWIRXIH XLIWI KVSYTW EW WXEXIH MR TEVEKVETLW ERH

'LSMGI q-R GSRXVEWX XS XLI (IQSGVEXW XLI ;LMKW JEZSVIH KSZIVRQIRX EMH JSV IHYGEXMSR r MW MRGSVVIGX FIGEYWI XLI TEWWEKI WXEXIW SRP] XLEX ;LMKW MR XLI RSVXL [IVI PMOIP] XS JEZSV EMH XS IHYGEXMSR -X MW RSX GPIEVP] WXEXIH LS[ SXLIV ;LMKW SV (IQSGVEXW JIPX SR XLMW MWWYI

8LI )\TVIWWMSR SJ )QSXMSRW

8LMW MW E :SGEFYPEV] UYIWXMSR 8LI [SVH FIMRK XIWXIH MW HIWTSRHIRX -X MW LMKLPMKLXIH MR XLI TEWWEKI 8LI GSVVIGX ERW[IV MW GLSMGI qYRLETT] r 8LI WIRXIRGI MR [LMGL XLI LMKLPMKLXIH [SVH ETTIEVW YWIW HIWTSRHIRX EW E GSRXVEWX XS LETT] 7MRGI YRLETT] MW XLI STTSWMXI SJ LETT] MX TVSZMHIW XLI JYPPIWX TSWWM FPI GSRXVEWX ERH MW IUYMZEPIRX XS XLI GSRXVEWX FIX[IIR .S] ERH WEHRIWW EX XLI FIKMRRMRK SJ XLI WIRXIRGI

8LMW MW E 6LIXSVMGEP 4YVTSWI UYIWXMSR -X MW EWOMRK ]SY [L] XLI EYXLSV QIR XMSRW qFEVMRK XLI XIIXL MR E LSWXMPI [E]r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

8LMW MW E :SGEFYPEV] UYIWXMSR 8LI [SVH FIMRK XIWXIH MW GSRGYV -X MW LMKL PMKLXIH MR XLI TEWWEKI 8LI GSVVIGX ERW[IV MW GLSMGI qEKVII r 'SRGYV QIERW XS EKVII WS MJ MRZIWXMKEXSVW GSRGYV EFSYX XLI QIERMRK SJ GIVXEMR JEGMEP I\TVIW WMSRW XLI] EKVII SR XLIMV QIERMRK

8LMW MW E 6IJIVIRGI UYIWXMSR 8LI [SVH FIMRK XIWXIH MW XLIQ ERH MX MW LMKL PMKLXIH MR XLI TEWWEKI 8LMW MW E WMQTPI TVSRSYR VIJIVIRX MXIQ 8LI [SVH XLIQ

VIJIVW XS XLI TLSXSKVETLW XLEX 4EYP )GOQER WLS[IH XS TISTPI JVSQ HMZIVWI GYPXYVIW WS XLI GSVVIGX ERW[IV MW GLSMGI qTLSXSKVETLW r