Insurance Ateneo

7/30/2019 Insurance Ateneo

1/102

!"!#!!"!$

!"#$%&

'("()*+(,"-./01

!"!#$%&"'")("-(-")-2

(#%!)&"'32"4-(-5(-)

- -")) 6 (2 ) 5"-( '(5 (6((6(76(6*+(2))((8*6)2693

(%%&"%*#!#!!'"+!" : ( + "; 2 + ) )( ( -+(

--(-!" "6""6+"((+(


2/102

C

"!"#(3*"&"&H'(++(2 *+6- "6!#$%6 "C%:C%C6C%C:C%C/C$$- (

+2

%*#%"*4'"56-5'(""-"2)"+>52-

"("+())(

"56-65 +(-)-"2/9."))-"- -"") +("* (6"" "

"56-6'(""--)()"(--"-""-(6+(+(-("+(()-"

"56-66'()"(--(+(2("6(-(6(2-26-+()2(()(

)"-2-(+(-2(""

6-2-((

"56-6/5


3/102

9

- 6 6 ( "" " ) - - + (""")(AA+&

'( """+(( + "" ( +( ( )-("6(2)")("-"("6((2)+((""2

9

78*5),60,

9

"+"

-"


4/102

#

9

32)+)


5/102

F

26())"2-(-(+6)"*+ ( ( ) - ( 2 5 - ( 2 )6 2( (" )I" "( +"2 (" '(""++62)-("+6(((+C(C(++)(>"6"(G-(+G

()""2-(+("+2("(6+(+(-(--"6-+("((+-6-(()2(("+--"2

"""E"J+:(((-("-"( (*+- 5-"6+("(-6 +2("" -2"6"(*+ " +2- " ("""+(*+-"6((--()"(-"("'(-(J

' + " "" = - "- " +("( *+ ) 2 - --"6((*+(()2)2)"("-(-6"2-6))(-:+)+("("2((62)(5

>26 * "" ( +:*+ ( ) )" " )(("(6(-+2*)()(-G(5"-(""-6"5,("-(5"--)*(()1-(-(5"-"("+("("+""6((2"

0 -./ ! #( # ) ) ) !1))0#!!($

+("-"(()"(:" ( + '( " ) ( * - ,1 B6 )" * 7 6 ) - ( 5"2 "- ( "

"2(-(""6())("()-2-(6"2--

@(6(*+"(=)+(*--)(((())("B'2-"(*"()6((+-)(()+("(("6K)""(+(;(+())(3C+("(++((+--(()

708 4*5#!2!


6/102

$

@2(((--("6)-((-(6)"))(-

&9B'()-("""

#%55("-'2@(+(""-)

-(()((()-(+6(""2"- ) - ( - ( ") ( -" - - '( 2 "(-((""(()")6) 2" -( --")- ( ) -( (+-J)6))6-"*

718#"*5=&$#&",/0

9

G)"-"")-6%%%96%%%

!)""'((-"G)(6%%%

'((-"-"2-()"-C6%%%6"((((96%%%("

&9B(("296%%%

#%9>58""""6"(+(()+(

"("-("6(()2()(- '( ( 6 -6 " ( - ( " '( -)"""(-2(+("()"

78 ?2&2$"*5!#&"6/#-

9

>)= "- #' +( " '( " (((4(-(2("")()-(F%

""+) >> "- 9%CC/ > -(""+(-("-(

&9B()-(-(

#%95'(" " ( - ( +( (4 ( 6 ( ) -(

F%'(-("6)("""652-("

78"%*56/

9

9!AC%%#:C%%F (5


7/102

/

@ " @& @ " " @:00/$ --"2)+EC96.0%EC96.0"2-5&L(-90F6%%%%%!)-"+(>?23*

( ) +( + ( "6 6 '( 3*"-F$6%%%%%'(!2"-#%%6%%%%%

(((-""+-"6(+")

- @(90F6%%%+(+""--(

!6@-"6(-"-("2-90F6%%%

@6 2 ( ( " + 2 ) - 2:"6 ( "(()(-(-+""5"ECF6.0%")8"6+("+>"8"+(+(

&9 B""("(((2"

#%95'(""-+("(("-")-6+

)+()8"6"--(--"2-(""(

()+4(6()8"++(( 7+26 "" ( 2 ) ( "6 ( ) (2 M""M(>)8"+M((-"M'("-2")L")(>"8"+(("(6+""()+(+)

"6(6(+)8"+(("")+>"8""-)6+(()((+(6(+26-5+(>"(("L+((-"(+-( +((&(-6(6+"(@L""(2-" 6 (-6 (2 --" )J """ ( "" -")-(-+MM6-(2-()(( - $6F%%& +( -"6 (2"- 4 ( (L -*2)#%69%%%%6(+(+(""-

"2-.%%6%%%6":-(I)("-)8"

3"""-6"""(+)+(""(-(L)""(+(""(L("2-(""-(6"""())"-2-("("+("(

6 (+26 (- " (-" ( - ""("@""6(-("()""(-2)(-("6"-""9(-+("(5 ( ")6()- ( "() -- M(#!! (!!## (!!!(2!()(

!#(M6(2-"("-)-(---""6(--)-()2-"9-("()"--(@+2"(2

'( "" ( ) ) ( )" 2" "6@)- MML""- (-#C6$0F// ( (" (2) -: - -@6 2-@(2"()*"- +(->-"6( "(("2(-7+26(("2((62)(-"((--

9!AC%%#:C%%F (5


8/102

0

("-(--90F6%%%%%("()((()--L"6)6()")-2(()2-"'(6@L-()"2""2-""MM+))+))(+-(-(-(

65(2(6(-+((2("2(--("6("5(+GJ

&,"-"1+()*-"-(6)-*+"2

""-(())"""6+((-(6-)+(+("(6"(6")(-2

C&'( ,")1 ,"")1+((-(6("J

&>**66""";)&>*6*66""-(2"

"()"2-(;"&!*-)"")6"-""4

"(-")+((-(;&!))"G2-(-

2(2-("

("-(2-(6(-"(-2-(*-"""6"("""2 (-6 ( ) ""2 (+ ( ( * (- "("-")

9&(6(,1(,"1

%))")&"&%"56&))'!


9/102

.

**66""";)& >*6*66""-(2"

"()"2-(;"& ! *-)" ")6"-""4"

(-")+((-(;& !))"G2-( -

2(2-("

) !")( %"*% )"2 "" !" %""*%")"2&"$&("%'

@" ( - 2 - ( "" " ( "" "2 - "( "" " B' ""2 (+ ( ")+"

##4&"4!3"22&&""' - (" (2+- ("6(

* ( -" - ( ) ) +( ( " (2 ) )( +( "-" -( @(6 ("()"(-2(

9

7,8 #2#)*5#%6/01-

9

> :" ( " " )") 6 26 )" " - ( (- -""")"

G6(""(-L6"L

9!AC%%#:C%%F (5


10/102

%

'(" ( 2 "( - ( " - " 5")+(-6+(2)((L()*6")""6)"27*((-"("(-""")(-""(+())(6+((2"*-(+((+"

>B6(-L":5"2(6*((-(G-(I"-("2()I"-(:"(-

"("-()(--"-(-B- G(()((""( I"2()I"-("(("--"-"()-

'(G(+

&9B(""(I"2(-("-")+(-

#%9C%*D&"%5'( ( - ( " ") " ## - (

"6+J5* 2! + !( ) !

! # ! !! ! !!(&!#!#!#(+$$$ $5

B(((6"#F2J52 # + 2!

+ ( !6 # !#!# 77)(!!!#( ( # + ( ! )! !) 2! +()!7!)!!!!((2!+)8

&!#(9 !#!)77)$5

-()2:G2(+(("(((()-"6+("(--+J50 *:)!!::)!!:

)+!)##)!(!9)##)!((!(# ( !(9 ) ( ! !) ! ! #( )6 !) ) ! ! )+9) ##) (!!3! ( )) ) # +$2!+$0 ;0


11/102

'("+2--->"(6.00 >"(6.0.7+ 7(6"(6(+2-(4)-6+(("6(7+2-M:)-M"(("5622(("(:2"

(-(6(+5-(->"(6.0.>"(6..%6(->"(6..%E6..%'(-"2+"5-/F6%%%%%)

!(-("26--("*+"-(>>">>&-()>"(.6..%

((()+((6E"()-((("7+26("("((7(+2

""("6(+""L"( !" ( >> "2 ( - L "- ( ( +

(26)"("6"(+("-

E("(")((45(-6)/$6%%%%%

- (()+ "( - (>>6( + ) (" ( (


12/102

C

!())!!"!()!#!!)!3!($* ! ! !!( (! !(!!#(()!!!!!!$

'( - ( - ( ) )( + " - ("""" -- ((("2 2)--2-()("(-)-""2"2"(2"6+(+(((26)-"(""72)(6)+((5(6()-((("2"("()(4-(I"2)(+(2(2-("2)-+("(((

"C/-("6M""(I"""-"M'(("()5"2(""- "(""("6"+36(""-(("""G("""-(-+"J

"-"";C "))("""---"2-("--(

;9 >)+62(((+(";# > ( 2 " $# -( "

G-6-(-"+("("")

-()2:"+--("((-"""")6"("("(+"(-:""+(()3""-(6(-""")"" ( +("(( "" N (3 - ( 5"2"-(""2((-("""6))"()-2-(6"2--

'( G") 7( '(( " ( 2"""6"(()6))"-2-()")6-)-)")-+("""-"2)6

5""-)-()""(2

.?>E

/5 " *+26 +(( -6+("( -(2)6")(6)6)I"(2-("(

'("- (()"-(2-""*)(+(-(-("(

-(-(6+("(6""--6 (( """6+( " "(4 )((62("*(+-()-"(=(=-(6(6()6+-6"(6)(

'(+((+*""5"((2-+"

9!AC%%#:C%%F (5


13/102


14/102

#

7-8#2"*5O%.&//1

9

'6- ((""2+(("( "-6(+B (-+GJ ,=(!((!(! ) #! ! ##

!>2?)4

'("+2--->"(6.00 >"(6.0.7+ 7(6"(6(+2-(4)-6+(("6(7+2-M:)-M"(("5622(("(:2"

(-(6(+5-(->"(6.0.>"(6..%6(->"(6..%E6..%'(-"2+"5-/F6%%%%%)

!(-("26--("*+"-(>>">>&-()>"(.6..%

((()+((6E"()-((("7+26("("((7(+2

""("6(+""L"( !" ( >> "2 ( - L "- ( ( +

(26)"("6"(+("-

E("(")((45(-6)/$6%%%%%

- (()+ "( - (>>6( + ) (" ( (


15/102

F

!!##(@ )#B##$

'(+)+ (G("(-(" '( ( (-"6 " " -L ()+(+""(-I"-6+-(+("2+2"2((('(6

'!) # # "!) !#(!!!)## #!!!) !())!!"!()!#!!)!3!($* ! ! !!( (! !(!!#(()!!!!!!$

'( - ( - ( ) )( + " - ("""" -- ((("2 2)--2-()("(-)-""2"2"(2"6+(+(((26)-"(""72)(6)

+((5(6()-((("2"("()(4-(I"2)(+(2(2-("2)-+("(((

"C/-("6M""(I"""-"M'(("()5"2(""- "(""("6"+36(""-(("""G("""-(-+"J

"-"";C "))("""---"2-("--(

;9 >)+62(((+(";# > ( 2 " $# -( "

G-6-(-"+("("")

-()2:"+--("((-"""")6"("("(+"(-:""+(()3""-(6(-""")"" ( +("(( "" N (3 - ( 5"2"-(""2((-("""6))"()-2-(6"2--

'( G") 7( '(( " ( 2"""6"(()6))"-2-()")6-)-)")-+("""-"2)65""-)-()""(2

05'(""(4"-(+-6-"(""*+4

")&"(3"3"32$#3"'B "" - " "" - + ) ""

(((""")""6""-"("

!)#"4''(,15"(-()-4)"("6"("6

-5()64""6---6"2--)

9!AC%%#:C%%F (5


16/102

$

""##2)#"4'64"("

'("- "- ((4-- )+(2 ( )""-(-)(-"("("+(4

"##!"F=&*##"4'

-(4"-(-"))("6"()"G6(5J"6(-""6"(+("(2(2+---"4-("(-"6-("G(("("

(!;#%"&"2#)3)#&");('B")((--,1-4+((+'(-+4

+-")(

"%$(&""%(3"3"'""-"""-+6)"""CF&

()""6""-"("--'("(-+J

&"" 2$#3" * ) ) -"("

"(("("("""-"2

2- 8)"-'G4- '"(G--( (5-( '( - 2(((6(-+("(*)(-";

" +(2 + - +)((+

"(-""+:5 * - ( "( "( "6 ( -" 5*-""

*+6("*-(-+("(*52

"2#"$(&""%32$#3"'

'(")(6 2 ( (("""- 2-26()"(-6 6)(((""

("6"26"(6((

"$#25

' + F " !) "!#) #$ *( ! @GGG !!("!$2!))>

'( " "" "( ) ") " -6 - +("( )-(((--

!##'+F)!*!)) )!$2!))>

'(+)""'(+")"2

15 * -" )I" ( 2 -("( - (2"

!!#$#4)!"*)!"'

9!AC%%#:C%%F (5


17/102

/

2-(,'("-"1":.0&")"" ..:$$&6@ " " $/:/9&6 "" /#&6 (" /F:/0&6


18/102

0

2 ) 6 2( ( "-" -( - ("6 2 -( ( ( - ( " G - ""(*-)((2("0#:0$&

&""!"'- -4 2 ("(

-66)-*+-"26-" ( " - "( 6 6 )6 (-"-""+("")(-)-("0F&'(-(-("/F&

%"2A&""B%A&"2!4B#&%'"26(6""6"8B=6

"(")6@!)-"("--"C0%"0#&

E&)&"))%(!&$#"'A (-6)I" ")( )2- ( 5"-"

+(-)""2"(-(

45 :&2 ;% & #; 5 ,0+,1 )" 23 ) A&""BC A&"2!4BC%A&""!"BG%5,)""))&"4"=&"%"&"$&5%!"*%'

5,0@(-(6(, &""1,&"2!41("26 (6 "6 " " 2:+ "" 6 " ( " )6 @!3 )-" ( "5 (+ G6 ( ( " - -"C0%,22!41(""-645(+-((,"32!461+(+(6(""-6465+(((-((

5,15 - 4 2 ( "(-66)-*+-"26

-"("-"(66)6(-"-""+("")(-)-(()*+,&""!"51

'(2-(


19/102

.

(")(G-"-(5"2--"(*--"-""-(-("

("")"K--"-""I"

")"K--"--")()22()+(

((-(+-(--"2-(!"6+("(2(

3-"("-"-(6()-((-("(-(*+"")((6)""()"

"("-"-((5(-E-"(()+-("""+((2-((""6"6"-(2""2"("-"-(())I"(2-((+(I"2-(

"")(4"((()--:-"""6"-"(462(+26((,-1

,:-1"("((6"")"

"((2GI"((I"(2G""

" " I " --")( )2 2((2+-(--"2-(!"+(+("(2-("*(

55")")

""=&"%"!"24$&"%)&"''(9GJ

"& 7)"""

& 7)()I"-"& 7B'))"

!&$#24'+(+(((+6"2"4)I"-"(

)))("@3&""$(#!!%F"&$D)!&$#24C("!!"!"4&"'

(""6((((""")2-")()")"

)))("@3&""$(#!!%F"&$D)!&$#24C("!#)&"'

'("(2

&(+("-+("((J '("-(;) '( 2 - + ( "" - "( "" ) (-((

""(2+6(-(""6(:-"-+("(+((-"+)&"-((+(""

9!AC%%#:C%%F (5


20/102

C%

(>";-+)()-")+(+("(( ( ""- -"((-)((2-(+(22(""+("()"-2

" ( "" ) ) ) - :-6"(-("-("-(""7+26(("(22-("-&+("((5"-(2("*"(+(("()-"

-+(

"$#25

#( !$ ! #!( ( !) ) # ) H @! I(/$$ 2 ' ! !(!!)!#!(( !!$,2+H

B"/*-)"-"+(+(((+2"4)I"(-

5

78 #!%3&"*5""&)#%H5,-10

9

B"6.#6!"(6--(6)-@6-"C.999-%%'"2"(")"3

B@) C/6 .#C6 (E ""6( ) ( "( +)()@"

2+(-(+.C'

@)(((+"")

&9B@)(67-?

#%95>I - ( "*( - ( + 8 )I" '( ) 6 (

")""(+)+(8'(("


21/102

C

6+(")(""6"-(6(6+("(+(+2("6+(2(--"6((( ( ( - ( 6 ) " +("(6 ( "" - "6 )-)(6)-)((6+((--"-()-)(

#"3)$2"33"%2"33&"2!"!"4'

A'(((2"()(6("-((G6"*)(+(-2 ()--(( ")(-(*""(6""2("26(()I"(()"

@)&"$#")2"33"''( - ( 6 + ( ) (5 - ( 2 - (

62-()G"(2'((("-(+B'5(()

@)&"$#")2"33''( (()( (5-(

)"6"("()5(

!(@"*"''(""2(")(--(6(

""25"-("(-(

%"5,C(")))&"(2"33"))&"(2%!"*%#$!4$#2"33'

'(--"-(J& '("")(-(6("(B'")

("";C& "- ((+("(+(+2("--"

(2-(((-(;9& " +("(( ""- " ) - )( 6 )

-)(;#& "-6(("(5-(";

F& "2)((5-("6()5(

)))2"33))&"$#))2"33"'""(("-(6((

"2("G(-(""("(()

45:&2("5665%4'CC/'(5(""6(26+-6(

" "2+(())"6 ( -( +(-(-(62-5-)" 6+(( "6 -" )() +6 +((( (-(6((-(

"$#25

' !G*))!C*$-! >

)-6%'6+(()-36F'

' ! ! #(#) #( $ * ! ))!(@,CG*$2((($-( #(>

9!AC%%#:C%%F (5


22/102

CC

36("2(>)(5-("-/F%'6(((-66(5"-CF%'

!##)!(##>+"2("'((--"("(+(B'

")(""((+2(()3

!##))!!$ 2! # #>

3 33""2/F%'6(-("

-!##>-()63()(

-')#>3"+2(""(+36+(

--"("

9

768 ?3E"("4*5(;&"2!40-0

9

BEC6.06!"->3")-%'

>""(!+ (2( (+ 56(4>3"(("2("(-"(-("+"2()

!*+(4>3*(""-(

36>3=6"(3= ( + ( -

3 " -" ( ( 3( " G

)2(" +)>3"(!6("++

./6!(76)-("+(

+ )- >3 - " " "2 ( " 7 +-)")2-(6()"(+-(6((("+>3=

>3("2("(5-"+(()"7

""((+)7)"()("+()->3

>32"(+((""+()"-=" 7 +- --(- ' "7 7" (

&9B("")7-()"-("-(C"

#%95(""6(-)((5+("((

()-)(I(-2((("()5"2(-(+()6>3(-(6()(;)"B'626"2(+"5"-"

32-(""6(!7"(2"2-(+"("76+(("G(6"(-("()

9!AC%%#:C%%F (5


23/102

C9

*'("((2)+--"(+6)(+

-(+()J,@( )) ( ## !)!(!4 6+(22((6B'>3=+(2(++((6"-6()-6(++(+("

-(-("6(((2(+=+)"2 ) ("6 (" (2 ) + (- +("( ( +26(+"+(2))(("")-2--"(((())7+26("-"-(("--"()+((+I-(--(+""

7/8 &"2!"@!"5*5#!!"#&"4,1-

9

B!"C$6.FC63"-!2"(--C/'

)-+("(++)6+"("-()(+)"2)"2)-(5"-(""

(+("(G()"6)-"-C.'---B"C6.F#

'(G(""3'(JE(#( @/J ( ## !" #($

'("+23)

BB"F6.F#6)9-("-(-"6""(6--"2-(-"-(""+3++"2)()*206.F#

B$6.FF6()"+(#6$0F+)B6.0F6-"+()*

-"-+(36-(-(("()

2"")6+(=-()*=-+("-("")+-

&9B(+""-("H

#%55'("GB'2-("-""6-'("


24/102

C#

B!"06.F6)--C' '" 6G "*+ ,"-

)16 "2 6+( ( "( (-&6 +:)-)

-5"-("6()-+(""?"&-F'

'(""+(-

'()+)--6+)""-(""-96%/

-(()"+(("()-(""6)-

'-(()()"-C'"()--")2-(""")-((((5"-6%/96%/C6%%%&)-

&9B("+I-"()--")("(+)""-"6B("+""G-(5"-6%/

#%5%5'((,+(6-(6(

(+-(+6( ("""-6)"("6(+("(6)))((5-(1

'(+""(("-("*)(()--(-2(6(--")+()(-""2)((-(6(""+) (("- (")2 6)( "()"(""+()((-(5-(

718"!#)*5/

9 ""--"+5")+8-!38-

(2-)(-!3

!-I=-6)-(-2)(++6(!


25/102

CF

&9B(++(6!3&(-(

#%9>58-(("+)(++-!>&

>>&6(-((-()(>6+""-(>(6+""")+('("-(>"--"((-(>

3))!"*'

9!AC%%#:C%%F (5


26/102

C$

)+"0("- (--"(H 6(22(5"(

.E

-52()(-((J

&B-(-6-(-("(;)&B-+((+(-"6+((

(";"& B- ) ( - ( - 6 "

2"6B-+("(((2(-";&B-+(-2(

42!"'B(("(""-6*(:

56*((2

&"$#"')()"-G"6

(2)()I"+(((""+(""

((+2")-2-2+--"-"6I)((-(2

42&"$&"$#"'-2-")-(""""+(

()I"+"""

"&"$#"#)&"'-"6)5+(()-(-

(+(("6""))--65")-2-(""-(--(

"$#25'!#( K( ! ?D4'($-!(

(>

'( " * ( -


27/102

C/

(-"-()--F%'("

-("((("+B!-(((

&9B()(2

#%95

'(G- ) "" -" ) "-)""+("( + " " + - (2 ) +( ( K ((+-)-"

'("+ -(2) "G G"*"" + -((2-(+)((6)

("""2"6("+*)(

7,8 "*5&)0,1/

9

--""8"6(-(--8"-C')(@)6.9%-(()-6((+-6((22(;(+(5"6-8"

'(""228"(("(()-"

'(+-+"2"-"-2"+

8"--(((2*( -2-((((+-()-"

--"(()-"

&9B8""(()-"("

#%55-(""2(4"(-)-"+(()-"=

"6("*"("(((-""-())(+-)-"(-()-")("-(()B'J(")((""&

9!AC%%#:C%%F (5


28/102

C0

(((-)-"(2B'2)G"-()+()-"

78#"*5%107/8

9

B"-(((--)-((-6(6+(((((:-29F&-5"(-"-"((6"-(>-""(6.0.7+ 7(6"(6(+2-(4)-6

9!AC%%#:C%%F (5


29/102

C.

+(("6(7+2-M:)-M"(("5622(("(:2"

(-(6(+5-(->"(6.0.>"(6..%6(->"(6..%E6..%'(-"2+"5-/F6%%%%%)

!(-("26--("*+"-(>>">>&-()>"(.6..%

((()+((6E"()-((("7+26("("((7(+2

""("6(+""L"( !" ( >> "2 ( - L "- ( ( +

(26)"("6"(+("-

E("(")((45(-6)/$6%%%%%

- (()+ "( - (>>6( + ) (" ( (


30/102

9%

! ! !!( (! !(!!#(()!!!!!!$

'( - ( - ( ) )( + " - ("""" -- ((("2 2)

--2-()("(-)-""2"2"(2"6+(+(((26)-"(""72)(6)+((5(6()-((("2"("()(4-(I"2)(+(2(2-("2)-+("(((

"C/-("6M""(I"""-"M'(("()5"2(""- "(""("6"+36(""-(("""G("""-(-+"J

"-"";C "))("""---"2-("--(

;9 >)+62(((+(";

# > ( 2 " $# -( " G-6-(-"+("("")

-()2:"+--("((-"""")6"("("(+"(-:""+(()3""-(6(-""")"" ( +("(( "" N (3 - ( 5"2"-(""2((-("""6))"()-2-(6"2--

'( G") 7( '(( " ( 2"""6"(()6))"-2-()")6-)-)")-+("""-"2)65""-)-()""(2

5 '( ( (2( ( "( ()-"( ("6((5+2((("

$)"4')-"+((I"-+()-("(

"-("("

$$)"4'"))-"

""4@!'A'( G--))-"(G-"2

/9. '( " ) )-" - -"" ) (+( "*(

)%"4C&$3%%=)@%##32#%"'B'(G-"5("(6"(6())-"

#%""3"%3 "*$#4) %3)$)"4&% )"*5)'

'(B


31/102

9

&"""''(+J'(((+2*(-()-"2+((

"- ( 6 +(( "( + 2 (" "(( ) 5""-"(-(("""-"65(((B')5")(2

%"&"""C(%&"%#"33$)"4'((("(()-"5+2("6((+

*"("(+(("-()-"

)$)"4%$)"&"%%&"%%%3%3C(3!"%'

'(2"-6)(2(

""!"*)#(45:&2"=&"%&"%'"56-6C +( -) - "2 /9. " )

)-"--"")(+("*(6"""

"5/'(-+()2J&'()++(+-"")(-(;

C&'()+--("--6"(-;9&'()"--"6(+-6"")-(--"R

L'($M!)#!N*(/.*#!3!)!#( )) (#! ( !$

"50/C'(-)G"(-+--"J555#&'("2*(-((+(")-(

)-"""2-"()2")

"50C-(--("-6("2*(

-( --)-" "" '(2"-"((-(")-"(*--"+-"(

"51-C'(--"2-)(#&-#9555(("+("("2))-I#%?#F

"$#25

@!$"!(O$)) !!$!!#(($-)!#>

EIE"))-"-"")"(-))+ "2-E-"(+)(-

@ ! $ " ! $ )) !! P$ !!($ -) !#>

E'(+()(+(+(-)-"2/9.)-"--"")(+("*(6"" " (+6+((-"(E - 6E"))-"-E-"(+2(E"))-"--"

9!AC%%#:C%%F (5


32/102

9C

"-(+(()-"-)2(/9./9.(-")()

@!$"!$!! *($!!#(($- )!#>

E '( + ()(+( +(-)-"2/9.)-"--"")(+("* (6 "" " +( ( E- - "")6 E " ) )-""E("")6/9.+E--)-2E

@ !$ " !$ )) !! P$!!*($!!#(($-)!#>

E '( + ()(+( +(-)-"2/9.)-"--"")(+("* (6""" +(()( - "")"26(-))"E-((+(

E6(("")-E-/9.

@!$"!$@$ ! !#(@($ -)!#>

"(+()E--6)")(-((- "")6 ( ( () "( -()-"""+("(2))+((

F8'()##!($=$$)$

5

768 ")*5$"%#QR0

,-,

9

32)+)


33/102

99

/9.6)++(+-"")(-(()2

"6 - " " -- - "2 - ( )-" ""3(-("-))-"*)"-(-("+("((6()-"+"2("--""G"6("/9.(G-"

""

'(-6"":+)-"26(*+)-"2"--"""

7668 &"&F2!#4K*5#!,/

9

6("++-6("(

7")6("++--6("(

6 8=+"B'("(->*+)-")("-

-"6("4"""(-"(

76/8"*5#2#)&"2!46-0/0

9

>-+-""F%9$/&) 7


34/102

9#

>(-()2"+(75

+(("((2(-()-"("()--"2"(26-"-(-(6)-"()--"2"(("6()-"""5:"(2(("")2)2

+('(("&""- - ( )" ( 22 ("-"")

(+-&'(-("(=-(6+((-("(+((C'(")6(=++(C6F%%(S()-"&6(-(--(( ) ( " )6 ( -( - - ( ()6"(")5"(+2(-(= '("2-)(--(+("(4( " ( + 7


35/102

9F

4 .## +( (2 "" ( " " 2 " - ("+)(-4()>((

@(((-4+("(5"-()-"

&9B()-"("

#%95

("6()-(""J&(-(2(-;C&()-"-((""-(" '( - "" 5" ( "6 2" 2 ( +6 ( 4 +2 >"(96 .#96(")5"2 ( ((()-(((+("

'()-"")"--(-""'()-"="+)(-("("((,(-21

'( "" +( " ( +( (J '( - ( ("- ("(22-( 5-( +(= (6 +( (6 ( )-" + *6 ( 2 (+6()-)((6+()-"

("E"("-"5 ( " "6 ( )-" - " "" " ) "(

+(("-()-")"((2("'("""((-()-"2")'(-6)(2-(""6(+(")6 +(("-()-"("((")2--"'("")+((+)(*!))!2!+$

768 *5*,/

9

!2"+)6!2"6(+-6()-"

( ( 6)(( - +-6


36/102

9$

(((G-"/9.B'")6)"(+-"")6()B-((("*+-(2-(()

768 9?"#3/0

9 ("6-(8)6)

7-2*("-)(+((8()-")-"-()-(()-(

&9(+)--("H

#%9'()-(""())(("""

+((+""6("--""-B)-"(""

76,8 %5&3"*5//1

9

E+(--(B--"-(!"!

((+26(""+J @!4;C"(TEE))("(

C33;/"(JB)!

3 8)+((6("-(-"+)(83("(+(+()-"("

"(+(2=2"-CCF%C06(+")-6-+("()-"+

3(--("+((86+("((((+!4+(:(-0K$-()-3("(+(

(-6"("2G(-K$ 3+@@--8"

&9'+(((")-)H

#%9E)2#"#%#))""2$)5'( )-" ( - " B' " )" ( )-" (

" ( 6 ( - .#96 )- .#96 ()-"(-"6("B'(2()-"-(-"()-"-(")"(2"(8")+(0$+)$$%E06.F

")&""((-(-"-")-+(()"8)()-"'(-"("+"-)--C"

-

"--)-"""6("+""(-(+((5+6"(-+):(--(

768 "*5&)#RA0,1/

9

9!AC%%#:C%%F (5


37/102

9/

--""8"6(-(--8"-C')(@)6.9%-(()-6((+-6((22(;(+(5"6-8"

'(""228"(("(()-"

'(+-+"2"-"-2"+

8"--(((2*( -2-((((+-()-"

--"(()-"

&9B8""(()-"("

#%55-(""2(4"(-)-"+(()-"=

"6("*"("(((-""-())(+-)-"(-()-")("-(()B'J(")((""&

(((-)-"(2B'2)G"-()+()-"

65'(-)-"-""()--+(()-"("6"""""+-))((-(; +("( 26 ( 2 - ( ( "2 ( " - "-(+G-

"A""#*B2%"''( (" ( ( - "" "(J

(-(-+2-+& '("(;C '(-((6-2;9 '(-((;"6-2;# '("(;F '(22;$ '("26+J

3(-(-);) 3(-((-:);" (+"

/ --()26(''()"2(""

"$#29

+!$=8 ')

S() EE))) )C EE!)#!

1 +8 S!(! ' /##

-!>'((-U("

!##EE#+'!$'E!$=(!!#(+

9!AC%%#:C%%F (5


38/102

90

# (##! $ 2 )#>

"*6("(

'(+I"( -(7+26 " (())-"C"G---(-*


39/102

9.

9

7/-8 "*"%##3*5&"4E;"&""!56

9

72-"6("*(-+("(-A6UA("(

.6./.6-3*72"()((-"672

3* " " ( "( ) ( -F%%6%%%-+("(72-C6F%%

B.6./.63*72-""B>"(C6.0%6 (2O (--"2-""6(+)

"+ )---) -"(--()2()""("-(-(-A+

+ " ( )( ( ( ) + + ) - A B' ) (72

&9B72"((("

#%9"*"%"3!"%5-(-(-(2-((2(6

(""--"()(-((("(((+))-"5"--""-"I

'( ) +(( + 2 " )- 2-26+--"-"6I)((-(2

772+-())+-"(-2+((*+"--A)-((()))672+(2)+("-((-

" 72 (- + (2 )" )- ) (2-(6"--")))

05)"J&5;)&"(-5;"&5""6"+(5(-+("((5""

@3"'5(G)(

"'+("((6"((-"*((-(

"+("((+"*

(;%)@!424&"$#"''(5"">') "+(5(6 - +("("(5""

5+)J--"((++(6+*()+("((+""

9

7/8 &"*5&"41-1

9!AC%%#:C%%F (5


40/102

#%

9

6(->"6+I*)5+(-#6%%% ((!)*&0>?!)#(!)#()#)>

)G6(+I*)5+)-

+"-6(("((J

'(+22C (2)2( ( I* )5"//#%% ()"()>"

&%#&9-"!&!$

("G"//#%%6("56-("6("6(2 ( '(2- ( ( +(+"G

0-./!!$A6()'(-)+(((

+)-(=2"5"6--"""6)(+")-(I*)5=2+)--")"

7/68 "%"&"%&"45*5#31,6

9

"+2$9%$8"((""-)46>

8" ((-"-' 3-("+68" -"5-((6((+(+

'(-"(-"2-8"=(((""(

'() )+ - 8"( "" - ' ' )(("8"+(+-(((()

("G6("""(""

&9B--""(""

#%5>53((-("-("(-(-6--8"+

-( 6 ""- "" ( -( +(+6)-68"+)6(+6"-();("(()(

7//8L&""!"*5&"22,60

9

V("""6G@""2U3"(""""(-6--((-

((---"2-("6(+"-("+(6+("(""K"(K(U3"(+6K"()*+(2-"

! " ) V(= " 6 - - "=""

9!AC%%#:C%%F (5


41/102

#

*( -" "- /%'6=-656)( 2"""- ("- V( ")

V(((("(J ( "( " " +(

6(3@"

'("")-(6"6+((-))B'("6(2)5 )!")6./$*"2-@(-F6F$0$C(+("(())@

@)((">!(K46"*I((-"I

- (2" ( ( ( +( @- (-C$/6$F9F.-(")$%%"--()-.%*"(-3**6'(>*+(+(

"6+(++F..#%"$%%Q9.F#C

9!AC%%#:C%%F (5


42/102

#C

'(-($$$)+-((!")6./$>(""46"@=2""-("("(%F)+)"I2)((L(""

3"((-"(@-F6F$0$C-"+)(--(26)(@-("

&H#&9B#55#()! # ! 5 !(55!(5 5!5 )!!##!#(! ! )) ) 3!! !!#!)!#($

((" M*"M()*+(2 "2 ) "" " - * '( M""M M""M6"""6(2"G"("'(")( " ( """"'(6 ( (2 ) * (+("(()"("-6+(6+("(5"6-""2(*"+(L-(5";2("-*+"6--"-*+"6(-65"

2M*M2-""""-"+("(5"2*"2(()-)( ( (+ ( - +( ("L "2;( "2"2("-"255"(-"2""2(( "+ ) M*M) " """5(*("6"25""(-(--('()-(6(-62((((2)6'(-6()(-(2((+5"'(()-2(""-(+)"+(()"2-M*M"

("6()(+((+")-(5"6()("

B#+!)())$

(-)6((-(((6"-(2""(M?@>6M()

"9-("-)26+(( 6 (6 ) " (-6 - "( ( " ( " - ( "6 ( ) +(2)--5"+---"+(((((6-()"&5;)&"(-5;"&5""6"+(5(-+("((5""

(62K"-(("(5()()I"-2""-"72()(-"""- '(-"""-)+(((-(2(G) 2)- 2 )- ( - (" - ( '( "" -(6+((@B36@6?@("6(-+(((2() ( '(-"""- 2+(22(2G)652(--")()I"-"

9!AC%%#:C%%F (5


43/102

#9

15"-*()(()("(6(5-())5"(2(-

")"!"*''(-((*(")(+-(6(5-

(2-(6(+(-+"("())

(-

"$#25

7P(!@@H)!'$'?2!+#(0$ *( ))!) $ ( )0'$'? !#(!))#$'$'?()!8()!90( !)$F$

"""F6 "() (()("(7"6>E()2(-*7+26(2("()(5-()5"(2-(("(2-(>6(>E""">

9

7/18 !F*5#"00,

9

3!(+-)+(>+("("(

(+(("(+(+@


44/102

##

5 " 5" (6 - "(((62""-6)

%2'>(5"-)-+("()-)((-2"

+((+""-"

@2!#9"(-(-(+("((5"(-(6 ()

((-(+-;()6(5""-(6((""-(-((-("

5 '( - ) ( (5 +("( (()-)I(-

"$#25

'!##(!@GGGGG@0GGGG$' !$=! >

"2(2-(+("(%%'C%')")"

"--

-!)#'@AGGGG>-(2!+#(>

'("""(-0%'(("((6"((+("(()7"()-C%'

N !) ' ! ! '( ') U #(#!#!'!)$$'! !(!!)$ (!'!)!! !$-&!'>

#>6+((-"((("2-V>2"'(+(((+(#>6(("((+(((+(#>(""629>(+6#>+(5+("(+-)

(-((

9

7/8?3E"("4*5(;&"2!4"OC&0-0

9

BEC6.06!"->3")-%'

>""(!+ (2( (+ 56(4>3"(("2("(-"(-("+"2()

!*+(4>3*(""-( 36>3=6"(3= ( + ( -

3 " -" ( ( 3( " G)2("

+)>3"(!6("++

./6!(76)-("+(

9!AC%%#:C%%F (5


45/102

#F

+ )- >3 - " " "2 ( " 7 +-)")2-(6()"(+-(6((("+>3=

>3("2("(5-"+(()"7

""((+)7)"()("+()->3

>32"(+((""+()"-=" 7 +- --(- ' "7 7" (

&9B("")7-()"-("-(C"

#%95(""6(-)((5+("((

()-)(I(-2((("()5"2(-(+()6>3(-(6()(;)"B'626"2(+"5"-"

32-(""6(!7"(2"2-(+"

("76+(("G(6"(-("()*'("((2)+--"(+6)(+

-(+()J,@( )) ( ## !)!(!4 6+(22((6B'>3=+(2(++((6"-6()-6(++(+("

-(-("6(((2(+=+)"2 ) ("6 (" (2 ) + (- +("( ( +26(+"+(2))(("")-2--"(((())7+26("-"-(("--"()+((+I-(--(+""

7/8 3M>&*5@&"-0

9

UA("-(7+((5

'(+6UA("("

(5)((+(+)"(6()2(

&9B()2(

#%9>5 (2 ( - - 2 ( +

62 +(( ) - -* '( ( 2 - B'(-2-()"()9 6()6)"(()--("5")I")("

7/,8*56-78

9

9!AC%%#:C%%F (5


46/102

#$

(:(66""+(U!2U&6

B-(-(&""J5A$ $ $ $ * EIII !) &)# ( ##!)##EI.$2 EIII!!EI.#(

)EI.9$$$5 +( ()26 (( )- ( "(

(-@27'(F%%6%%%%%&+(("+((+"U

B(((""+56-)*((U-("")((+("&6+(*(("-(""")+((&)"U6)""+(((

-U6((()7"6(-"((

&9BU""("-(-"

#%95M&"$#"5

"0-("2J5$A$/#(!##(

#)!##(!$5

:-"""((-""*):2("(""-)(5(("*--"((""'()-"(G-)))""J2-*""+("((()""("-""--(

("6")(U()("(((2-"/-("+("(2J

5,$ * ! ! ##( & !)("!($5

'(-6U "6( " N "+N ) 2 )-"- ( -""*)(:2("('()2"(+((6(('("-("U(2-(""2G2-)"+K)""'("-(-""((-)((:( ( ":& '( & " ) " ( " - ( -""U&+(()(

,5"""-"()-")5"-()--(2)(

2!#)%C!"*'

B)TB""-"

9

7/8 "&))%5*5E#"&"5061,

9

(--*4+)(-(--

9!AC%%#:C%%F (5


47/102

#/

'(("(+(35'()G( ("-( - '( 22 "

(@(6"("(--+-(""(

70-8 "*53M3"%?"&"50166

9

8"(("()7*@>"

'(""(+2*""2()+(("(+'()++)8"&

'("++(6-+("(8"+6("(2"(-(""

"+)8"3" 3"*+"-"6-""2("(

'(""("3

'()+("((("(+4)-'(""-(-"(("""()("(

&9B8""""

#%9>5'(--("("'(*+)2(-(+(

+"""((-"(2"-+(3(-"+(+8""(2"(*("-((

5 5 +(( " * --"6 +((""6)5(;(-((-5+(("*--"6)5(-+((""

2&&"$#"@'"-#)&"(("*--""-!"!"4&"6(("*--"!(-(6)

5(

"$#25

&!!*$'!$F!)(#(!0*!#($!$0G !!#$'&6!!!) *$ * & ( ! ! $ 2 2! ) &!)(#(>

A 35 ()(( (+( + ( ( "*--"(()(((-("(("G-3'(+35(2)(6(2)+(---"2-("6(-('(-6+(

9!AC%%#:C%%F (5


48/102

#0

(+(-3(2635()(+G)+6(()

9

708 3&H5*5&"221,/

9

) - ' -%%' ' " (6( "- +()'(+('2>:-%%'

'(+4)-'"("-(""

'2 - 6 " ( ' ( ) ( "(()

&9B'"""("

#%9>5'(-( ""(()()+B'2 '

(((2"6(""-+("((2)""

6-5 5"( ""- (5 -"6 ("- -6""(("6"(--(6"")""(-("6("G256((((("2(

3"#"$%%''(8((--((-(")

()"(+-)(("(('(, 3)"B (" )- - ( "( ( "2" - ()-)-

"@!3"#"'

'(5"6+("(-B'("J


49/102

#.

3"("(5""((+(("-(

&9B3"("(""("-("

#%9>5'( "+ B'-- ( 2( '( + 5 2

( 2( " ()- ( * (-)"'(+((+(2-("(22("'(5()(5"-"((

70/8?3E"("4*5(;&"2!4"OC&0-0

9

BEC6.06!"->3")-%'

>""(!+ (2( (+ 56(4>3"(("2("(-"(-("+"2()

!*+(4>3*(""-(

36>3=6"(3= ( + ( -

3 " -" ( ( 3( " G)2("

+)>3"(!6("++

./6!(76)-("+(

+ )- >3 - " " "2 ( " 7 +-)")2-(6()"(+-(6((("+>3=

>3("2("(5-"+(()"7

""((+)7)"()("+()->3

>32"(+((""+()"-=" 7 +- --(- ' "7 7" (

&9B("")7-()"-("-(C"

#%95(""6(-)((5+("((

()-)(I(-2((("()5"2(-(+()6>3(-(6()(;)"B'626"2(+"5"-"

32-(""6(!7"(2"2-(+"("76+(("G(6"(-("()*'("((2)+--"(+6)(+

-(+()J,@( )) ( ## !)!(!4 6+(22((6B'>3=+(2(++((6"-6()-6(++(+("

9!AC%%#:C%%F (5


50/102

F%

-(-("6(((2(+=+)"2 ) ("6 (" (2 ) + (- +("( ( +26(+"+(2))(("")-2--"(((())7+26("-"-(("--"()+((+I-(--(+""

65 "(- (6 -( """- I+("(6--"((-(-(

"$#29'!!G*$.'!)$G0GG!#()($.'!)$C0GG !#()+$+'!)!>

A'("(-+)"("""-(I+("(("""-(*6()-( )"-5-(+6()")--(

665"(-2"(6)

"62("(("$#25

'B6+$ =!B60GG*+CG*! )#(# #! 0G*$2 B6!!H!+>

A "( 2(" "CC6( - "(B'2("((

'B6+$=!B6+CG*!)#( # #! 0G*$ 2 B6! !H ! +>

B"(+"2("(+"2)(

2("("6(-(--"("-((

6/5"(-6)+""((-(62(";(("(*(((

"$#25'!# !(##($ =#!($ =! !$ *'!$2!!>

A"C9

605 - - ) - 2 6 I +6 + "6+(I6((62("62((()(("("(-((

%!"*%'2(--()6I+6+

"((+(I6+B'2("'((2-((("+"(-((

")""'

9!AC%%#:C%%F (5


51/102

F

'( " ( "(6 ++ " ( +((4B'")"("(("G()--(":="((+6(---"(*)"B'A)((""(+((

"@!"'A- (""((,)(

##( ! ( #( ( ! ! ! $4

)))#(2%"3"'(6(""+)2)"(*--""+

)((""-"7+26"((""-"")")""B'--"("-((6I++"

"$#25

' !#( !( # 2!+$ @ =( #$ =(F.$2!F.>

B6"!"B"*B!((#O 7+26 (

)>E+("+--")(-7

2!)=(@$2!@>

A

-!!#(>

"("(,-((2("1'((+(")()

615 2 " - " - ( - +(( (((-+(((((

(6(("()"2--"(62"5")+-+62

*%(4!)!&"!#45"4' -(-B((()I"-

("5"J-"&

C (("+)"2--)

")"*%3&!'(6+)()G-2""-

"


52/102

FC

'(""-(*+("()("+(((+6-6+(;

C '( " - ( * +("( ( 5 - ( " *)(;

9 "("-(*-+)(("-(*)"-"(";

# !+((""6-6(-"(

#2'""""(+("(*+(""

""=&)#2''(")""J& *+(-"+("((""""((;C& "("")""(-"((9& "(""*+-(-""";#& '(((-"(-"""

65 "" +(( ( I """-"

)))#2'6-(-(""--"(*-+("((+6

*( ""2)( = '((""""!6(6""-(-('("""-(-"(( -""" -( )I":- " 6 6*+( 6 (6"+(( "" *6(-()(

"%""%"3"&%)#2C2&&""!"*)"&%'B "C/6( 2- " ""(-

"" '( - "" - ( 2 ) (-" -""62+(("2"C/2((--"-""(-+(((""

4%#(2;%$("#%#2'3" (2 2 - - (2 2 -6 (2 2

"2(2"2)"+:

"$%56''( )( ( " ( " - ""6 ( "2

""(*6""(-'(6()-((+"2-"+(( " *+6 )-(("""+((B'56(()"(*-)

"")(("!!#456' * 2 ( GJ ( "2 ""

)-5(-")(+((---"+((=*+*+H'("-"C/6"(+(G

"$#25

2##!'!)$2 >

((++-(6(""-((""

9!AC%%#:C%%F (5


53/102

F9

!$2>

A'( "" 7+26+"( - 6+ +-(6)()2(+6(""-3-++-(-(6(-""2(6(--"(("(""

97008 "3*5)&"5

161

9

I-""+3(+-"-6)

B 206 .CF6 ( --"2- ( "6 " - ")5 '(-63")+-

((>"5=6"6(G*)("56(+-+J

,7+-G)6+6(5"H1(+,)G1

,( (" (2 " ) )+( (F -+(

H1(+,1 (+26(.C#6"+*(-+(+-

"("(":2"(("("(

&9B()-(-"63)-"2

#%9>5'("-(()"("--"+-

+("(-((((*+++(()(+-"-""+((2"""2(+((+G "" + 6 ( ( - - ( + )" ( -"

-("+")-6(""-"-((+25 ")-(((-")")(6("+2(2)

7018 >&33*5-1/-

9

A)-""()(A()-"

)G-""68#62""2

("("-("

""-((("+2(""

&9B("2

#%9>5

("-("6+*+(((()("" ( G 7 + , 16 +( -" ( +(42(("-("

708 &"*5#2#)/

9

C(("-("6+-""622"2-(()6"(""(6-((

9!AC%%#:C%%F (5


54/102

F#

+((-"-(6*"(-("-"

(((((26((2(6(("6 ""(;((("("6--I+(("F

((((2)-6(2(2"(56"-()626

'(""(("-"-()-("-("

&9B("(---"2("

#%9>5'( " ) ( ( -2 ) ( ( " - " + -6

6((2("""("+(("-F

'( G J ( -" ( - H '( " #6 .F/67-"+(8-- C%:+"-F%'(--(:(78

-("6)"+7)()"(-()

B>C06.F/67--4+(""-)"( 7-"+(8-6)()(-""

&9B8-)7

#%95"(#25'( +- (- )-(7()""( -(( ("

"-((7(((G-("-6(+-+(7+

9!AC%%#:C%%F (5


55/102

FF

"("-"")""(676-(6+(("( -" +("( (* ))(" " 7(2-"-"("-68-+(22-(+(2()2"(")2("("(2(""-"

70,8 *5#2#)

1/6,

9

7+)(-.F#("C%:+-"

.FF6(":-(

-(6("+6)("-67"(-"((()2-(62(7"((()5)("

.F$6 7 6 ( )-"= " + I" ) (- ( -""

'("(--"3-"="(("")2+"

&9B(2""+"

#%95"C$2(, ! "!#(

!1-(66)-((2

"""9%-("J ((!((#!!##(!!) ) ## )3!$ "(-6((2-(2((-2("" --" ( ( :2 ( ( - - (2-("*G6("(""

708 #2*5)

-0-0

9

"( .#.6 ( + - ( ( - E .#. + +(((9:"(56(+-((:-(("-"-(-("

.#.6()((("-"((

E.F%6-"-((6(-"-"-("-("

5'( + ( + - ( )* ( "-" -+

(((2"G"2(()(()(-

71-8E&*5!#&"!566,

9!AC%%#:C%%F (5


56/102

F$

9

.FC6""-"+)(63=(

'("")(),!#)(4 '(+(--"(--""-(

(()-

3- ("+ (+26>


57/102

F/

(("-(")("-("("*-+M-(GM(""2

&9B8-)

#%9*-(-"(-"((((+""!-3

+( ( - ( ) -- - M "("M M" )"( (2 2 - ( " 6 ( - "" ) - +("( (""*+M(W(2X""WX6M(6-+("(+M(""

'(-+("(-"+ ()-8-())*()I"--"7"(2("6( ( " ") ) "( "6 ( " "6 ))(8-+(2-(G+(2))-:"""6(26G((-("2

'(-(-+(()-8- ( - -E L - )I"2)- ") -- I""65"((--5"-"-+("(-"()I"2)-))+(("("2+("(

>((M)))-"-(-"M(+((""((2)6(*22** -( G "" ( " - "; ( M)) )-"-(-"M""6-"6))I"26)(I

- --" * ( ( 8- ( +2 G ("")(""+(L-+-(G("""(-""""(- L6- ""6 +)2" C/-( " -./0

71/8&)*56016,718

9

BF6.0$63"" -"""-(--


58/102

F0

#%95" C$ - ( " 5" G "" - "

""((6-(6-"+((*++("((""+("((*+6+("((((-"

>))(26))()))-"-

(-"(+(""6-(-(2-(""*(G'("6"9&

'(-("""'("-"G"(((('(-+("((-"+2(2("-(""'(""+(2---"L"("6()2+(("I-(( I" (>26 " (2 + "5-()-)(*22""("

'(6 M-(M - "" '( L- "( -" ( ( +(4 - + +* - ( " - "6 2 ) ) ()-("(""+)(

6, "( ""- " "" ((6 -(6-"+((*++("((""+("((*+6+("(((((-"

"%3 56,C(" 2" 2&$ 22&%$4!"4 "'

'("*(- "(""-" ""-( -"((""+((*++(J

(+((""*+;C (((-"(-"

4@!%&422&''(-"9%

%"2("" 2&22& ) "!"4'

'( J - ( " + - ( 5" - """ +("( ( *+ +-"("("68BB!@'7G("("""6((*

"$#25

2'!F$(#)!'>7""(-"2-G6-"(-"(*)(

!"$#2$*C((##;())2"#"''( -" ) ( " - ( )2 56"( -"

"--(("2)"5-"""-:-"(G""(--(--"

)&""("$#%#3%*;("%*"%&))"2#)C&"%$@&%)"#2%%4"2%4)"&""'

B'(--"-(""")2)((("(2*+"2-"+("(((""*((()(-(""2-()((

9!AC%%#:C%%F (5


59/102

F.

""()5(-('(((((-(-(*+(-"(

%2%2"#'"9

4:&2;%5-5%!"*4'

"%/2(,""()""6+(G)"+:(6(-+("((6(*65""("(6(5"+((((6G""

9

7108 #%2K&"*5361-

9

.$%6)6-@="6""6-"""""""+(@

!("6-")(("""(-"--)"(++:I""

) + ( )" ( " " + + ) (2(-((+(-(@&

'("+5"2--.$%:.$++.$-(

B".$6( I"+( " 3" 6" '()-(-"("-("+((")-(((2("+""

&9B("=""(""(-"((2("""++""

#%9>5'( " - ( ( 2(" + "2 - ( @"

")2(("G-("")""6

""-"(6"(-)"((-((-(*+(@"+22(")+"5((6-""6(")I"(

6-6(-6""--22(--+6("

4!)#2")""%"''( - "" - ( ( D((4 * (

"" 2 - " C/6 ( :" ( " ) (("")"

@2!#);%)#2'2""-"6(+-+(-(2'(

-(-(""(-"((("(")"(""-22(--(+(((+(

/-(""-")""--(-+65"+(G-((J

9!AC%%#:C%%F (5


60/102

$%

&'(+("(((*+;)&'(+("(6(5"-"6(((*+6-+("((

-((;"&'(-+("(((+2"";&'(+("(22(5"-*5")+6+("(

(+;&'(+("(*5"-("+("((+

3"#"'"("-"

@!''(2-"9%

(##&"%$"=&"%22&)"2*"%$45/- '

-(*)(6()")"""(-

9

7118")*5#

/6-

9

2@"-"+(


61/102

$

+G+((2"(-(('(I(-(""(26$$$#O=O$

718 "##*5")50/

9 .F.6 E - - " +( ( "6 ( C G

J B((----(*"6+("((+B B(()"-(-"6+("((+

(.#/6(+"--4

'(((+26+(-+(("6(+"--(6-(*"6(+""--("

(-"(-(26-("""

&9B(""")"

#%9>5-+2)("-"G*)("--

")-6""--"+("(("62-(-+("((B""+(("-"G-+)('()")B')(2)B))(26))()))-"-(-"(+((""6-(-(2-(""6*(G

)2"#4''( J@(*+--"+"( I"(*6 ""

((6(-"6((2")(""+("((+)")6+--"(*

!"!#=&2&$;%''("G+(((""J -!

))&)#!!()!H!#!)>-6((""262-("-(+("()G"")""+((-"""

9

71,8 &"*5#2#)"O#$&/

9

C(("-("6+-""622"2-(()6"(""(6-((

+((-"-(6*"(-("-"

(((((26((2(6(("6 ""(;((("("6--I+(("F

((((2)-6(2(2"(56"-()626

9!AC%%#:C%%F (5


62/102

$C

'(""(("-"-()-("-("

&9B("(---"2("

#%9>5'( " ) ( ( -2 ) ( ( " - " + -6

6((2("""("+(("-F

'( G J ( -" ( - H '( "


63/102

$9

" --" ( ( :2 ( ( - - (2-("*G6("(""

7-8&)*5OF9&6016,718

9 BF6.0$63"" -"""-(--


64/102

$#

(+26)*+("-")"(3"#&J& ("((G6G+((-((;)& ("(--"((""

2!"))"2%"''("")"2"(((+6+((+6

""("6("-(-)G(+(

*+"(2


65/102

$F

'("(-6( ( B! "(( -($#&'(5"-"(*

"$#29

' ! #( ! 2 ! ! ##($!!(2()#)!#()!

$2#$2#(>

B ( - ( ( (2 " ( -( ("((+()+(-

/1 ( "" - " ) ""6 2 G6--(+I(G

(%&4%#)%''( " "- ) '( " 6 "6

5"'(2-(*

@2!#'35U+*)(J =)(!(!> -35(F:5("(G(6(+)"2"-P(-("&7B6-(6,') )@4((56(+(G+("("-5-"-+

45:&2;%5-,5%4'" %0 2 ( , "6 - - ( )- 5" - (

6-"-"61

.

/5 )+

"!"' -")(( -66("-

("26-((+"(("""

%))"$("!"%#2' #2 2 "6 (- ( +("( G +(

"!" 2"(2"(-" #2""*-("""6+( "!")(-("-(""

2"!"'>J

-"-(+("(C ("((+(*+(+( "2+("(

(+(*+)+("(((";9 ("(-"("(*

)))2"!"')(("""2)(-(6

((("()2)

2"!"442&(#2'

9!AC%%#:C%%F (5


66/102

$$

B!


67/102

$/

&")!"2"4"!"'@6"""+(("6)B'

" ( " '( :-" -"( B') (+ )( -"("6)-((++(-+2-("

"6*)(6("6)B'"-"+6"(+2"("5"-(""66(-6)"+

4&3*@2!#)!"2"4"!"' "--")(()+)""C "--")+-5(+((

)9 '(,))"*(P1

)#"!"$%!"@!*%!#4''!!-5"66)-I-(6

((-6+B'2("-"-(B"-"("""-(*"""+-(*+((((

(*"("6(I-"())*-(G

2&&""%*%#$#4''(2$(-(=(="2-

(--"6(2-'("2

"!"%2%2"@!")!' - 26 "2 +("((( "6+(

-"-+)5-6+("(+2""B)-)-""

## !$ - D2H ( ) $4 2 !! H !

'$2!#H#>

B----" 7((2"((

=*+(+2

0-"G-52""-"6)G-+

4"!"=)4@!"!"*")&"'" G-5 2 5+ ""- "

)"-("")""

9!AC%%#:C%%F (5


68/102

$0

4&3*(@2!#'& - ( " 5 2 ( ( ( +(6

)(("-("(--"((( + " B' - ( "- ( "2- (-("

'(-((--"(((2+"*+5(+B'G-(+((2+(

0)+(+)-("--"6)-+

")"!"*'"((*("

"6)"()+(+-("--"

06)-(+("((""--"

(2%"!"")"' - ( - * ( "" (

-"(5)G("-("""+"9.&3+6+-B

B 7 ( - '( 6 ( (( +( 6)G)"-((""*--"

' ## !#( '!) G 0GG' ! (

!#((!$./'!)$,0GG'! #($ B!( #($ - #(

#!#'!)$G0GG')$2#>

A

-##!#(/$C0GG)$ 0$=#(F$C0GG(!0C$- # ! ! ( )!

9!AC%%#:C%%F (5


69/102

$.

#! #( )0( )$2 !>

'( '( (- ( )( (-( " -( ) - ( - ( " + ) ( (+--)"(-("""-("("-(""+

0/5((*+--"6(2(-+("(((()I"6+("(()2)6+((5(((--(;()(-6+(56(;("()-(6"--(6+(2(-

))(")"2$%)"2"%!"'"#96(2"""(+((*+-

-+("(((*+-()-6(B')(-62(2(5(((--(

@2!#'-((*+-("-((-()"(+((I+-6(-)--2-(*+("("6()-((-(-

))(")"2$%)"23)&"%'-(-"--(6+(("-

)"""(-("6)-("("""(5"-"(2"("")-(*-(""6(+))-((

"$#2

'#*$ #$.#$0GG##!!# *DE /E42!+$ =#$10GG'( #!$+#(>

B"-(()""(+6-(--""((,1"-("(-"-("6(""2("

9

768 "%3*522"#&"2!4/,00

9

77)("-C'.F7(2("(+->7

(>7+(2("(7

)G6("+)-"-)"("=2+C0'9'

9!AC%%#:C%%F (5


70/102

/%

&9B")

#%922"##$#5(((-6+()(+)(

(4"(">'


71/102

/

#%9>5'( " ) ( ( -2 ) ( ( " - " + -6

6((2("""("+(("-F

'( G J ( -" ( - H '( "

)("6( +(2 (-.C. .9.6 (+ 2("-)-+((.#C6("-("-("

&9B(+2)("I-("=-H

#%9>5 *+ ( ( + -- - ) - 6 6 ( "" ( "(

""(-"-6)"("")-"(""(*+("(+(+(2I"

718")*5#"OF$&/6-

9

2@"-"+(


72/102

/C

-(62+"-(-()*"+-)("5(*(2+-)I"-"2"(&

(26--(")"-""

&9B'(+")+2 (("5*(

2+ -)I"- " ( 2(4( + (+- (6 (((+-((+)-("(""

- ( -- ( + - (6 ( " 2 ) - ( --" 7 + (")*7*+((++)()-("6+G+((2"(-(('(I(-(""(26$$$#O

=O$

78%##*5?#E;")&""!5,

9

.$.63*+++2"(G-"2*"(-"(--")

78 F#F*5>;3"H?"&"11/,

9!AC%%#:C%%F (5


73/102

/9

9

84+C-"")A*-%%'"2(-)"""

'(+84=)6+("(E6.C06)+

9-(""2(J,'( ! !# # )!!!)(!!!!#( #($-!!3!!#()! !#)($4

+( 26 84 ( " "" ( ( ( "-A*-(-6()(-2-9-("

84(+22((*+-((""))(- ( -6 ( B'" (" " G ) ""-((

&9BA*(""

#%95'(")(""-*(- (+(*+

- 2 - ( 2 - ( " +2 - ( ( ( "" -"

7,843*5)1#,-

9

.C$6 '(7("(,"16'+(.CF7+()-"(-

-((("+))'+(((-8(6@"""(4!


74/102

/#

((256)+"("#/((+6(("(

78:&*5(H;&",,1

9

3-(+6(8+#+()3#&')"6)6-(-"*-"-(6)6+("((52

'(()6+(("6+(


75/102

/F

L " -" ( + (4 B)26 ( +( --")((2"6""()--

"--)-C%6("((+466-26(6+("((+ G +6 + ) ) 5" ( - ("--(-"("(2'(

L"())(-()&(-)6 +( " + 6 ( )) )"--(6(GG)---)("2

+("-"(()"(:"M(+M'(")(*-MK2)KK(G"(2-()+9%%Y@((M6")";-"6MBMM)"M*(+6+)+6M-()+%%9Y@((766)-(5"2"-(""2((-(""6())("()-2-(6"2--

7-8#%*5")

17686

9

2"-"""+(-.#07"+2 ( ) * 7+26 ( - ( " +""

7(-(-(""2-.F(--(.F%:.F

7((+-2.F-((6(((I6()"*-"".#0(""("*+((-"&((("(""-""(-"("5

7+26+(2"-(6( +"*--*+

""-(2(#("-"6(""("

'(+22"-(-(G-2.F"(6-("""("

2"('()-"(""2--(()---""2C'-"""(-2"

"(-(+2(("("2+-"""-(2-("(

>""->--- +(@->@I-2-="

&9 B - + " "" ( "" ( -" ( ""(-2-2"

#%95"(+(("--("2.F6(

( ) --" +( ( - - - ) - ( @(6 )(+(("-6(((--"((+((62"""(-"(((""+(-)--"+((

'( """ - - - ( 2 " 2 - ( ( ""(""--")((--'("

9!AC%%#:C%%F (5


76/102

/$

+)--((-(-2)2(-("6-(66)"""-2(2+2("("

'( 2" ( (+ ( - ( - ( G - .F+""6(2-(("(")-((("(

2H(!))!(!))$$)#)(!)#(!)$$$$#K&

05 '( - ) ( (-""

)2"#4''( -( ) B' )( 26 ) )())

)-"-(-"(+((6-(-(2-(""*(G

%"22"#4'I"GB'-(""-((""(

++(2("(+)2'()-("("+("((""+)--"(=I

" %))" % 2#" $( #2 % 2"!"'(!#!O#)$

? ?+((---"-(

*--"+((-"(("""

>)("-

"(-((( 2))2((("(""(( # #6(I"(""-"-""-

"" *+ ( " ( "" -")--(-)((

0 '( 2 -( "( + -" - "" -"-

%2''("((2-"C$9F2"""9$:#02

B'B


77/102

//

+#) &" "6 ( " "" - " # $

#)&""6( "(""-" !)( #( !) ! ! $

""=&"%"&""24"%#)&"!#4' '())-(")"(-+6""66"&C& '(")"+("("*-(-+((6

("--"2&

'(")5"+((+(("-"(--(

2"!#!)'($M!

A$#4#&B'")"("-""(("()

")-"#0C+G((")--""-(-(C(("+-"(--(

")"$#4'

'2!'(2)2(+("(("*

"("(-(-6(()G(2-("6()--2"6)-)((-")()-"

'!$"( "2" ( "((( )-" + "2 +(

G(2-("(5"-("2"(-")"("()-"-+"(2-(" - ") ( 2" - (-" ("( )2)

""=&)"E>'& '("-""C& )((-(;

())"(#)2-(-C---

?4!"%)64"$"%$43"2$(&""%&"%')()")5)

%!A%&"3#)2B)&"%2'((""-"-((

))(#)&"!#4$2$#''(B'-()"(J

& '("2);C& ")) - ( - - ( ( 6

(++:-;9& "))-(--(

"%)&""24"*%#$#4*)"#!)64"'

& '((*(""*)G)+;C& -(-(5"*;9& '(((2)W"//6C//)&6CC0)&6C9%)&X;#& '(("-("22"(2)2W"CC/)&6

CC0)&X;

9!AC%%#:C%%F (5


78/102

/0

F& '((--"2"6+(( "+* -("- "( ( 6 +(( ) ( - ( "56+(()-"-*(

$& '(()-"--(--("+(")("-((("C#C&

/& '(("+)(+(("-

%5667$8C566,7$8%56/-7$8!"*%'

66 ( " - 2 - + "6 ( " ( " )"(-+"J

555)&2(("()")-((2)-"(-

-(--+--(+("6-2-65"-:-5"-2-("-("22"-+;

66,"--"()2((" )"( -+26 2+("( ( -( -2)(6-2)(-2)(":(J

555

)&2((2-("()"65"-:--()-"-+--;()("()()"(2-("+("+("("(+-"("()-"("--+"(L-"+)(;

6/-5("--"6("(")"(-+2J

555)&2(("()")-()-"(--(

-"-6(+--65"-:-5"-2-("-("22"62"5(65"2)-(2-)-("6(""-"()"")""

6"-6--6"-")-();

"$#25

'#!!!)!!#$-' ( ! #( ! #>

7)-"""2(")"(+(("(2)-"(--(--+'((-(*(",-"1(""(""

-((#>

'( ( " 5" ( ( - " (( 2

6 +( ( -" ( + (2 ( " ( -")

#!!$=)!$0GGG ! #( #! ! #(

#($ 2 ## ! #() ! !$'3!!))$*! ) ( 0 ( $ * ! $!+()!#($ * ! ) $ +

9!AC%%#:C%%F (5


79/102

/.

0(!)(#!#(($2+>

" #02( (+ "-(( -- "(+C%%6("-(+:(-('(""(3+((-(")

'( " 2+ -( -2( 2"- (

-")(("-2"(6.00 >"(6.0.7+ 7(6"(6(+2-(4)-6+(("6(7+2-M:)-M"(("5622(("(:2"

(-(6(+5-(->"(6.0.>"(6..%6(->"(6..%E6..%'(-"2+"5-/F6%%%%%)

!(-("26--("*+"-(>>"

>>&-()>"(.6..% ((()+((6E"()-((("

7+26("("((7(+2

""("6(+""L"( !" ( >> "2 ( - L "- ( ( +

(26)"("6"(+("-

E("(")((45(-6)/$6%%%%%

- (()+ "( - (>>6( + ) (" ( (


80/102

0%

-"*6I("6((("2-((5(""

("-56("(C-(-"-(+(+("("()(-(-((2-(65( - (" - ( - ( +"*- ) ( '((256(--""

@)!#:! ##$ 2## ## ) # 3! #: ! ) !6(#)6(()! ((#6!(&$

(""(M2-M+("(JB!#((

## & ! !( ') ( )) ( @ ! # B #$ ' ! # !!##(@ )#B##$

'(+)+ (G("(-(" '( ( (-"6 " " -L ()+(+""(-I"-6+-(+("2+2"2((('(6

'!) # # "!) !#(!!!)## #!!!) !())!!"!()!#!!)!3!($* ! ! !!( (! !(!!#(()!!!!!!$

'( - ( - ( ) )( + " - ("""" -- ((("2 2)--2-()("(-)-""2"2"(2"6+(+(((26)-"(""72)(6)+((5(6()-((("2"("()(4-(I"2)(+(2(2-("2)-+("(((

"C/-("6M""(I"""-"M'(("()5"2(""- "(""("6"+36(""-(("""G("""-(-+"J

"-"";C "))("""---"2-("--(

;9 >)+62(((+(";# > ( 2 " $# -( "

G-6-(-"+("("")

-()2:"+--("((-"""")6"("("(+"(-:""+(()3""-(6(-""")"" ( +("(( "" N (3 - ( 5"2"-(""2((-("""6)

9!AC%%#:C%%F (5


81/102

0

)"()-2-(6"2--'( G") 7( '(( " ( 2"""6"(()6))"-2-()")6-)-)")-+("""-"2)65""-)-()""(2

768#2*5)

-0-0

9

.#.6(+-((-E.#.++(((9:"(56(+-((:-(("-"-(-("

.#.6()("-"(

E .F%6 -" -( (6 (-6 "- " -("-("

-("--("-(""((("-"- " ( ( ) -- - )"( ( - 9 ()

&9B(""")"

#%9>5'("2+-(-2(2"

-(-")(("-(-("("" ( - ""K6 +( 7"6(""")"

7/8*500-/

9

'


82/102

0C

.C$6 '(7("(,"16'+(.CF7+()-"(-

-((("+))'+(((-8(6@"""(4!


83/102

09

"#.-"-"++("((""-"-(

3!#4)&"986(((4("))(

D'+((5+"--("6+("("6"/%G(()

4""2)!#42!"''()" ( ()-((6 (( (6

"""+((G-("2(-(

!#4%"%23'B""-(-(()'"(

!"%3"=&"2!!#4#4"%"'B(+6"

"(""'"(""-""-(4

("+"-(6"-

"#&')+(("()-

("-

"@2!#)#&9& Z+(()-Z-((C&


84/102

0#

66 "6"-"""-"()2+((( (-22) (6 " -()+(66"6+()"(6"("6"-"""(--"("66"6+()2)(

9

718%4*5")6

9

+ (3- 7 ( +- @ +(+((@"

B!"C$6.9C6+(6(+"


85/102

0F

")(-"("-(""6("(=((+!)("

'("-(((( 2-( ")(( "(""2(((*+((+B'(((6(()6((*+("=*+;(2("=2;(+((2+((*+-(-"6("(2!

"(-"

'(6 >4+ ") ("" -


86/102

0$

783*57-6/8

9

BCF6C.$F6


87/102

0/

B").0/6-


88/102

00

((--">G6(+)+("""-(""(2)""("-("""(("(+

78*5##)/06/76--68

9 ( .0#6 5"(( M" ""M( )I""" "

-(22(";(6+(+"+6("+:+(()+(--"2-(M"""M.0#;("6-"")(""2("'(+(("

'( )I" " " ( + " M" " "M((("+*--".0#6++("(-"

'( "2- - ( MI )"M " ( M" " "M -"-( """6("6(+-5"- -("("2(*--".0#+(("("

"-"/9-(((-"5((""((5)-("-"5-"""09-(-5"6(-")-5""


89/102

0.

"& '( 6 - ( " - "(" +( ( 5" )(-(""6-()+("((-);

&'(-;&'(-(6-(()+(-;-&'(*;&'(+("((""

2&!#4%(""$%&"=&"2'""J -(C -"

5"(-)"-'(G(+2")+("-"

9 -

3"(("-("";(2()-("("-(* )=-+H(*"6(-"

# -(

()I">F -((

")6+(-2-(+((2-("

$ *

*++(("-(6)"-(B'6(()-"+(26+)(-(

/ !-("

'(-(--("-(-"(6")22

";%)&"$#";'& *-((*C& *9&


90/102

.%

"(4!)!"#2"4")&"''(""-!"&"(@&"4")&"5

!"#2"4")!"&"'3""-"6(()I")+(*+

,)1,)1,"21+("(("")--"2(-"

(*I"

*"''("2 +-(-( ""

-62"(2-(*)(6("--"62((("+)(+2

36)I""("5"2((("2 - "6 +( )+ " (= 6) ( "( ( 2 (* '(6 #)&"6))"!BB'-

4&@!#!"#2"4@&"4")&"'

3 5" ""- "6( * "" ( )I")G+("()--"(5"""6(("G)((2-(""""+((())(2("

""*"3*"'& " " ) ( ( "2 ) "

("-("

C& "2()""-"+((-"&-

9& B"2() +( -22)("

"2()2)-B'5"$%-(-"6+((((-()63'"("2)"")(/"((

F& -"2""6"-"(6+($%-("-( "2)(-"("("+(("")("2((-

$& "2 ) 5+) (- -$% +((+ 2 - ( " 6 2 ( "( + 2 )+(("-"-(68>-(""""6((*226(2-"(*6((-(2))(("(5+B'"-(-22-(

/& '("""2G2CF[ -(-(""2)"(F%%

9

7,-82*5&)06/

9

9!AC%%#:C%%F (5


91/102

.

BE$6./6--"2(""--(((C%+2)-)+

/ >+)"*(--""(2-(+(--76(8-+(""B'+"(

B.F/67--4+(""-)"( - "+(8-6)()(((+"")+(()"B'2"-"(""

&9B()"6"""--"

#%95

9!AC%%#:C%%F (5


92/102

.C

'( )" G + "*+ )(- - ( "6 ( (= )"( --" ( "2 - ( "6 ( " ( "" (")I"-")(""6((+(2I"(()-+(((")

" 8- 2 ( " " - 6 ( ) " ( 2)"-"6 -(" )"-

" B' ( ( )+ (" (6B)("(("2(*"2)(

'( """ "6 ) ( " - ( " 2 I"("'(-"6))"B')-

7,68)2$"*56

9

B >"( 96 .$96 "-" " " - ( *= " - 5-E*2%%"

'("+)("-2-"-"C6.$9'(C")()F97%%9CF97%%99

-("-("2)3@B("-(C"6-()5+(

"-" - "+(( "6 ) (-6 " ( )""2("2)""()"2)2-("-("

&9B("2++("6(2

#%9((%"5 ( "-"=" ( "2 + +(" '( -" (

+("2)-(+""(2-"-"="6-"("(2)6")(-("26"6"2"6"-(((+2)-("-(""G"6G)"2

- ( ) " - ( ")G6+)-""6"

7,/8#"*5#2#)&"5/,-

9

.$$6 ) - %%' - " " +( (- " +5)!6(="5

(( +) 7+"-) !B)6( " >"!"-(

BB"96.$$6-("-(-"+(

+6/0B(6("+) (-("-'(="-"

:",3"1+("(+"()

+((+2(3"(-(-6)+("((+((="

@(("2("-2F6.$$6!"$6.$$6*"+(("2""2

B!"$6.$$6+(*'()-")"(-+ "" ) ( 6 - ( + "") "*'("+

9!AC%%#:C%%F (5


93/102

.9

&9B()-"""

#%9>'( " -" )(" " ( -+JD*)

#!/.*!!)##!3!!#!$4 '( " -2" (--"( () "+ (

"+(( ("=6(-- 6/0 7"( (-()-"()-("(2)("-"((="

'( " - " "( -+ "JD*!! #( ! ## !#!!(#$1()""((()""-""(-"

'(G((-+

'( ) 2 +(( " ) ( ( " ( ) (""6+()(6"(G-"-(6+B'G((")"("()6()((("-"+2)("6+((""- ( " ) "(" ( "" ( - - ) ( - 6 ( ) ( ( ( ( * (

(-))-)-(")GI"(")6(" B' " ("-"6+ ( (6- 2 C !" F6.$$6

I-"-(()2

7"6 ()((("-"-("()2((6((("(")6-+("(6("())()-"

7,08 ?3E"("4*5(;&"2!4"OC&0-0

9

BEC6.06!"->3")-%'

>""(!+ (2( (+ 56(4

>3"(("2("(-"(-("+"2()

!*+(4>3*(""-(

36>3=6"(3= ( + ( -

3 " -" ( ( 3( " G)2("

+)>3"(!6("++

./6!(76)-("+(

+ )- >3 - " " "2 ( " 7 +-)")2-(6()"(+-(6(((

"+>3= >3("2("(5-"+(()"

7

""((+)7)"()("+()->3

>32"(+((""+()"-=" 7 +- --(- ' "7 7" (

&9B("")7-()"-("-(C"

9!AC%%#:C%%F (5


94/102

.#

#%95(""6(-)((5+("((

()-)(I(-2((("()5"2(-(+()6>3(-(6()(;)"B'626"2(+"5"-"

32-(""6(!7"(2"2-(+"("76+(("G(6"(-("()*'("((2)+--"(+6)(+

-(+()J,@( )) ( ## !)!(!4 6+(22((6B'>3=+(2(++((6"-6()-6(++(+("

-(-("6(((2(+=+)"2 ) ("6 (" (2 ) + (- +("( ( +26(+"+(2))(("")-2--"(((())7+26("-"-

(("--"()+((+I-(--(+""

%)"2"C)"(""%%45:&2;&"%)#"*5#2#)'

'("-)"

$%3"!"%3#"*5#2#)')""62(6+("()

("""("""("""-"

'( - ) 2 " G) ( ("("-(**("-("(")

'("-)2"6"6""-"--"2-(("-(-"I"-(*-"6+)()(-(""("-("

)"+)-B')(-()"+(+("(+64()-("6((+(2"""-("-"

1/'(""()5"2(-(+(-+()-(+"-("

##65"C2J'(-)-"-""()--+((

)-" ("6 """ "" +-))((- (;+("(26(2-(("2("-"-(+G-

'5""F9

9!AC%%#:C%%F (5


95/102

.F

%"566)4'CC/'(5(""6(26+-(

""2+(())"6( !())##!##()) 62-5- )" 6 +( "6 -" )( ) +6 +(( ( (-(((-(

"$#25

'!#(#!8D(#(U))4$ *)K!##&!#($2K#>

B-(""""6D2("""2-(+2(""(4(V""-6((D)""("("6(")V6"V+(+(""-(6VD

9

7,18E)E"5*5?"6-66

9

G>(B)" 7"+(("(>+("+(7)-"

'("+(+("("2>

! ( --"2 - ( " ""6 ( " - "" '( " (("""-2-(

>+((*+"-76(43-"3-5("6)(

@ ( " - + ) C6%C/9 '( ) + ( ='(""+"("*(-(""("("*-2(

'("+2>+(("-76+(3-"3

((((""()"(63-"-">(+((""-(""-C6%C/9

'(""-++(""-6G3-"7+(()(("

&9B( 2-"")+3-""("((

#%95-(""*--")+((65""-"

" 2 ) + +(( "" " -2 - ( "(*+ ; 2-2- ( (""

("6(+2(--)-()(-(""62((""(2")"--2"(G6(B'(""(B"((6"(-"-(

'( G - +(( ( ( -") "" ) )+(((""("()) ( +( ( 2+ - "- -2 "( ( (""6("(+((( -+(((- 9

9!AC%%#:C%%F (5


96/102

.$

"""6( -(")(""

("(""""+""2)-"--("G'((""" "(6 +("( """( ("" B(((6(M)M"- (""(MA+'5")""" "+((( "(-(-( +("(( + ) ( ) - +( " D("!((#()#)!)!4

'("(, +#( (# # +#(H # ( ( #( ( 1

!("=-65")-(2)G""G

(("-((-G6(6(("

'( " " ( -- (2 " - " " ( G (2 ""(+(("

&9B--(2((""("

#%9>5((66"")")(6()I"

5"6-+("(-("(-"9-(2-((6J M2!#!#(!#!#)$' # !$ *) #! ( (!##$ M'()(-+:*+"""""6(-"-+("())(-+()-+6(((""6)-((-2()2*)(""

(")6("""-""("(") - ) (-" ( (" 2--" F%[& - ( "6+("(+"-(+*"("6"((GN+(66((-("N(2 ""- "(66"("(2(")(26+(("-(+((("I(-("(

7,8&3*5#?,-,

9!AC%%#:C%%F (5


97/102

./

9

'(+--I7(-(ID#(1+("

B6-(I26)*8

"-+(-(+:6(2("

'("(("((-"*-"-"

&9B("-"("

#%9>5'((- I (-(-+(((""-

"+ )-( '((J((""2-)(6((+(()6"(B (((6+(("" -" 6((" " (6( "" ) )( -)""()((((6(L")((

'(" ( "6 +()( -(M +("((()")"-J (-)I

M 6(-6 -)-(-"((()((6"(((

"("G"6((""2("("

7,,8##*5##6#1/1

9

2)(((5-*-

8+( +-(("*"(--(-#%')

2)-"

-8=(6""("-("

B-("60'+("(8(((-

-(+)=+(-(""6(-(-++((*+("(6(2)-(&

+"((-("")(-("

-"--"(""

"(((+-("(()"J

+-(6+((-(""; ""-(""-(

&9B((2((""H

#%95'( "" - - " " "" ( - ( " (-

)"++("(5"2+(()I"B"2"(2+("(""-"-:"""-(--:""()I" 5"2) ( - " '(6 " - ("

9!AC%%#:C%%F (5


98/102

.0

()"-()"(-("'3


99/102

..

7+26)"()(---"-8BA6("6+(-6""((-"2((3((2(""

&9B3((2(""

#%9E"3*"&"!"%5

((2")(6"(("(-((-(+)-

'( G( 8BA "( - + 5"2)- ( "6(((8BA)()I"""-(6 ( - ( (+ ) ( " "6 ) 2 ")2(-I"G

)(."+)"(-2-3'(G(+"("2(-"-"""-2-")-" ( ((( "( )-")"-"")(--"(8BA2*(""->B6"-36I-("""(+(2-(()I""-+3("( -)2") 8BA-7 )-8BA6"(+

(2 *+- 8BAL- )""2 ""+(* (""+(362-6"(+(2("3()")8BA

BG)"6"(-6("-2-336-(6("(+ ( ( "" - "( " ) I- ("""-("8BA-)((-(+("(B2)2(68BA"6(6I()--("-"5)3-("""-(6+ -8BA+(-"2"*-(-"(-(()"-"-)2 - 8BAL" ( "6 8BA (2 - (2--"

' 8BA "4 :"--( +( "I()--("-"-3+("()2-(((+ ( ""6 ""2"2 -)""6 -6-(6I""(I6(""("""")("6()"43L(("-(""--("-("6()-(G)"-

8BA"*-"F9-("+("(2(("-"(5"2(-(+(-+()-

'("-(""")("I-"*5"(""-26(2)--")((+(-(3(-+()-(""+*((-+J

(("-+()I"- ""

)+38BA"--"8BAL"-"-3'( "" " "2 +()8BA6 6 * (2("2)"""")3

C 8BA2 "" " "2( - >B6 ("-3-"")""3

9 " + ) >BL +6 "( " "6 "6"(-+8BA6>B38BA6-6(2-

9!AC%%#:C%%F (5


100/102

%%

# 8BA"("""-(-6I()--("-"5)3+("(+"(-("")*)8BA"2(

'( " 2 ( -" ( "2 " - ( ")"(68BA6()"+"-(6)2" ) --" "" +( ) ( "" " 3

"""5()--"-"8BA")-(-E (-("3()-"-(2"") )8BA '( -( +(2 ) 2- -" --" (""'(""6(-6)5"236+("((-""""-("6(-+()-("+"

105 ("""5"+((6(-"((")-" () ")")(6)(+("

24;&"'")*)6(((

)&";$43""&C(2&3""&%'"( " ) 5"2 ( - ( +(-

+()-6(+(*"""-)(--("(6" (( " 2 "" ) "(6)(("

11 ' " --") :+6 ") (-(":(:+6"((-("()"(")(I"

!!(&"))%$4!"""!"+("' :+ +( ( (+ ( "" (

2(


101/102

%

"$%51,'"F0-+-(+)("( " "" +((

B' +( ( 5 6 ( )" - -("+((="6("(-(-(G2+((

"%351,C;)5%6-5

55+(("*--"6+((""6)5(; (-((- 5+(("*--"6)5(-+((""

6-55"(""-(5-"6("--6""(("6"(--(6"")""(-("6("G256((((("2(

"$#25

' CGGG !#( ) )) ! $ ! ! C*$ !3!( ) )) K ! #))!#($2B!!@!

!()))>

B6"3((2(""D"(-+(*(")--("("6""-6"2(""6(--(((--"-("("()"(+-("+(

9

78?3*5(;OC&0-0

9

BEC6.06!"->3")-%' >""(!+ (2( (+ 56(4

>3"(("2("(-"(-("+"2()

!*+(4>3*(""-(

36>3=6"(3= ( + ( -

3 " -" ( ( 3( " G)2("

+)>3"(!6("++

./6!(76)-("+(

+ )- >3 - " " "2 ( " 7 +-)")2-(6()"(+-(6((("+>3=

>3("2("(5-"+(()"7

""((+)7)"()("+()->3

>32"(+((""+()"-=" 7 +- --(- ' "7 7" (

9!AC%%#:C%%F (5


102/102

%C

&9B("")7-()"-("-(C"

#%95(""6(-)((5+("((

()-)(I(-2((("()5"2(-(+()6>3

(-(6()(;)"B'626"2(+"5"-"

32-(""6(!7"(2"2-(+"("76+(("G(6"(-("()*'("((2)+--"(+6)(+

-(+()J,@( )) ( ## !)!(!4 6+(22((6B'>3=+(2(++((6"-6()-6(++(+("

-(-("6(((2(+=+)"2 ) ("6 (" (2 ) + (- +("( ( +

26(+"+(2))(("")-2--"(((())7+26("-"-(("--"()+((+I-(--(+""

Insurance Ateneo

Documents