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0LFKDO5XWNRZVNL                                                                (OOHQ*ROGVWHLQ
6HFWRU'LUHFWRU                                                                &RXQWU\'LUHFWRU
+XPDQ'HYHORSPHQW                                                              7KH:RUOG%DQN
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           &KLOG¶VDJH                                                    


 


 


 



                                                                                              
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           &KLOGLVIHPDOH                                                                        
                                                                                               
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       (GXFDWLRQRIWKHKHDG¶VVSRXVH                                              
      
     

                                                                                              
       /RJRISHUFDSLWDKRXVHKROGH[SHQGLWXUH                           


 


                             
                                                                                                            
       +RXVHKROGH[SHQGLWXUHTXLQWLOH                                                                       
                                                                                                           
       +RXVHKROGH[SHQGLWXUHTXLQWLOH                                                          

       

                                                                                                           
       +RXVHKROGH[SHQGLWXUHTXLQWLOH                                                          


 



                                                                                                           
       +RXVHKROGH[SHQGLWXUHTXLQWLOH                                                          


 



                                                                                                          
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0DGUDVD$OL\DK                                                                       
                                              

     

        

 

 

                
*RYWVFKRRO                                                                                                  
                                                                                                               
3ULYDWHVFKRRO                                                                                                
                                                                                                               
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0RWKHUBHGXVHFRQGDU\FRPSOHWH                                                                   
                                                                            
    

    
       
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1HZVSDSHUDWKRPH                                                                             
                                                                                              
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6FKRROLQVSHFWHG                                                                                        
                                                                                      

 

            
6FKRROKDVPRELOH                                                                                       
                                                                                                         
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)UDFWLRQRIIHPDOHWHDFKHU                                                                                     
                                                                                                               
)UDFWLRQRIWUDLQHGWHDFKHUV                                                                                   
                                                                                                  

           
)UDFWLRQRIWHPSRUDU\WHDFKHU                                                                                 
                                                                                                  

           
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0DGUDVD$OL\DK                                                                   
                                            

 

 

 

 

                      
*RYWVFKRRO                                                                                                 
                                                                                                             
3ULYDWHVFKRRO                                                                                              
                                                                                                             
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0RWKHUBHGXVHFRQGDU\FRPSOHWH                                                                  
                                                                         

 

 

 


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)DWKHUBHGXVHFRQGDU\FRPSOHWH                                                                  
                                                                                
     


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1HZVSDSHUDWKRPH                                                                              
                                                                                              
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6FKRROLQVSHFWHG                                                                                      
                                                                                      

 

            
6FKRROKDVPRELOH                                                                                       
                                                                                                       
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)UDFWLRQRIIHPDOHWHDFKHU                                                                                   
                                                                                                 

          
)UDFWLRQRIWUDLQHGWHDFKHUV                                                                                 
                                                                                                 

          
)UDFWLRQRIWHPSRUDU\WHDFKHU                                                                              
                                                                                                 

          
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(QJOLVKVFRUH                                           
,VODPVFRUH                                             
*HQHUDONQRZOHGJHVFRUH                                 
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)DWKHUBHGXVHFRQGDU\FRPSOHWHG                                
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1HZVSDSHUDWKRPH                                              
RIKKDVVHWV                                                 
RIWRWIDUPDQLPDOV                                         
*RYWVFKRRO                                                                 
3ULYDWHVFKRRO                                                               
$LGHGVFKRRO                                                                 
$LGHG$OL\DK                                                                 
3ULYDWH$OL\DK                                                               
4XRPL                                                                          
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6FKRROLQVSHFWHG                                               
6FKRROKDVPRELOH                                              
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)UDFWLRQRIIHPDOHWHDFKHU                                     
)UDFWLRQRIWUDLQHGWHDFKHUV                                   
)UDFWLRQRIWHPSRUDU\WHDFKHUV                                 
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'LVWULFW%DULVDO                                              
'LVWULFW%RJUD                                                
'LVWULFW&KDQGSXU                                             
'LVWULFW&KLWWDJRQJ                                           
'LVWULFW&RPLOOD                                              
'LVWULFW)DULGSXU                                             
'LVWULFW-HVVRUH                                              
'LVWULFW.XULJUDP                                             
'LVWULFW/DNVKDP                                              
'LVWULFW0\PHQVLQJ                                            
1VDPSOHVL]H                                                               




   
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             6FKRROLQVSHFWHG                                                            
                                                                                

 


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             6FKRROLQVSHFWHG                                                       
                                                                               

 


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0RWKHUBHGXVHFRQGDU\FRPSOHWH                                                                       
                                                       
                       

                 
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)DWKHUBHGXVHFRQGDU\FRPSOHWH                                                                       
                                                       
                       

                  
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1HZVSDSHUDWKRPH                                                                                    
                                                                                                  
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&RQVWDQW                                                                 
                                     

       

 

 
 





          
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1XPEHURILQVWLWXWLRQGXPPLHV                                                                    
5VTXDUHG                                                                                
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DJHVT                                                                                             
                                                                                                
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0RWKHUBHGXVHFRQGDU\FRPSOHWH                                                                       
                                               
                                                
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)DWKHUBHGXVHFRQGDU\FRPSOHWH                                                                      
                                                                                
                
)DWKHUBHGXSRVWVHFRQGDU\                                                                          
                                              

                              

                
1HZVSDSHUDWKRPH                                                                                  
                                               
                
                               
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&RQVWDQW                                                                   
                                  

 
 

 

 

 

 

 


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1XPEHURILQVWLWXWLRQGXPPLHV                                                                   
5VTXDUHG                                                                               
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