<SUBMISSION>
<ACCESSION-NUMBER>0000950103-06-002843
<TYPE>424B2
<PUBLIC-DOCUMENT-COUNT>20
<FILING-DATE>20061221
<DATE-OF-FILING-DATE-CHANGE>20061221
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>MORGAN STANLEY
<CIK>0000895421
<ASSIGNED-SIC>6211
<IRS-NUMBER>363145972
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1130
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>424B2
<ACT>33
<FILE-NUMBER>333-131266
<FILM-NUMBER>061292953
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1585 BROADWAY
<CITY>NEW YORK
<STATE>NY
<ZIP>10036
<PHONE>212-761-4000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>1585 BROADWAY
<CITY>NEW YORK
<STATE>NY
<ZIP>10036
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>MORGAN STANLEY DEAN WITTER & CO
<DATE-CHANGED>19980326
</FORMER-COMPANY>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>DEAN WITTER DISCOVER & CO
<DATE-CHANGED>19960315
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>dp04047_424b2.htm
<TEXT>
<html>
<head>
<title></title>
</head>

<body>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr>
    <td width="50%"><em><font size="2" face="Times New Roman, Times, serif">Amendment
          No. 1 dated December 21, 2006 to </font></em></td>
    <td width="50%" align="right"><font size="2" face="Times New Roman, Times, serif">Filed
        Pursuant to Rule 424(b)(2)</font></td>
  </tr>
  <tr>
    <td width="50%"><font size="2"><i><font size="2"><i><font face="serif">PROSPECTUS
                SUPPLEMENT </font></i></font><font face="serif"><br>
                    </font></i></font></td>
    <td width="50%" align="right"><font size="2" face="Times New Roman, Times, serif">Registration
        Statement No. 333-131266 </font></td>
  </tr>
  <tr>
    <td width="50%"><font size="2"><i><font face="serif">(To Prospectus dated January
            25, 2006)</font></i></font></td>
    <td width="50%" align="right">&nbsp;</td>
  </tr>
</table>
<div align="center"><I><FONT size=2 face="serif"><img src="logo.jpg" width="234" height="39"><br>
  </FONT></I><B><I><FONT size=2 face="serif">GLOBAL MEDIUM-TERM NOTES, SERIES
  F <br>
</FONT></I></B><I><FONT size=2 face="serif">Senior Notes</FONT></I> </div>
<hr align="center" width="15%" size=1 noshade color=GRAY>
<div align="center"><B><I><FONT size=5 face="serif">Capital Protected Notes<br>
  </FONT></I></B><B><I><FONT face="serif">Linked to an Index or a Basket of Indices</FONT></I></B><B><I><FONT face="serif"> </FONT></I></B>
  <hr align="center" width="15%" size=1 noshade color=GRAY>
</div>
<P align="left"> <I><FONT size=2 face="serif">We, Morgan Stanley, may offer from
      time to time capital protected notes that are linked to an index or a basket
      of indices. The specific terms of any such capital protected notes that
      we offer, including the name of the underlying index or indices, will be
      included in a pricing supplement. If the terms described in the applicable
      pricing supplement are inconsistent with those described in this prospectus
      supplement for capital protected notes or the accompanying prospectus,
      the terms described in the applicable pricing supplement will prevail.
      In this prospectus supplement for capital protected notes, we refer to
      the capital protected notes as the notes. The notes will have the following
      general terms: </FONT></I></P>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr align="left" valign="top">
    <td width="47%"><p style='margin-left:12.0pt;text-indent:-12.0pt'><font size="2">&#149;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face="serif">The notes are fully capital protected
                if the notes are held to maturity. </FONT></I></font></p>
      <p style='margin-left:12.0pt;text-indent:-12.0pt'><font size="2">&#149;&nbsp;&nbsp;&nbsp;&nbsp;<em>At
                  maturity the notes will pay in cash the stated principal amount
                  plus an amount, if any, which may not be less than zero, based
                  on the percentage change in value of an underlying index or
    basket of indices of securities over the life of the notes. </em></FONT><em></I></font></em></p></td>
    <td width="5%"><p>&nbsp;</p>
        <p>&nbsp;</p></td>
    <td width="48%"><p style='margin-left:12.0pt;text-indent:-12.0pt'><I><font size="2">&#149;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face="serif"></FONT></I></font><FONT size=2 face="serif">The notes may bear interest,
            if any, at either a fixed rate or a floating rate, as specified in
            the applicable pricing supplement on the dates specified in the applicable
                pricing supplement. </FONT></I></p>
      <p style='margin-left:12.0pt;text-indent:-12.0pt'><I><font size="2">&#149;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face="serif"></FONT></I></font><FONT size=2 face="serif">The notes will be senior unsecured
        obligations of ours. </FONT></I></p>
      <p style='margin-left:12.0pt;text-indent:-12.0pt'><I><font size="2">&#149;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT face="serif"></FONT></I></font><FONT size=2 face="serif">The notes will be held in global form
                by The Depository Trust Company, unless the pricing supplement
    provides otherwise. </FONT></I></p></td>
  </tr>
</table>
<P align="left"> <I><FONT size=2 face="serif">The applicable pricing supplement
      will describe the specific terms of the notes, including any changes to
      the terms specified in this prospectus supplement. See &#147;Description
      of Capital Protected Notes&#148; on S-19.</FONT></I></P>
<hr align="center" width="15%" size=1 noshade color=GRAY>
<P align="left"><B><I><FONT face="serif">Investing in the notes involves risks
        not associated with an investment in ordinary debt securities. </FONT></I></B></P>
<P align="left"><B><I><FONT face="serif">See &#147;Risk
          Factors&#148; beginning on page S-15. </FONT></I></B></P>
<hr align="center" width="15%" size=1 noshade color=GRAY>
<p><br>
    <I><FONT size=2 face="serif">The Securities and Exchange Commission and state
    securities regulators have not approved or disapproved these securities,
    or determined if this prospectus supplement or the accompanying prospectus
    is truthful or complete. Any representation to the contrary is a criminal
    offense. </FONT></I></p>
<P align="left"><I><FONT size=2 face="serif">Morgan Stanley &amp; Co. Incorporated
      and Morgan Stanley DW Inc., our wholly owned subsidiaries, have agreed
      to use reasonable efforts to solicit offers to purchase these securities
      as our agents. The agents may also purchase these securities as principal
      at prices to be agreed upon at the time of sale. The agents may resell
      any securities they purchase as principal at prevailing market prices,
      or at other prices, as the agents determine. </FONT></I></P>
<P align="left"> <I><FONT size=2 face="serif">Morgan Stanley &amp; Co. Incorporated
      and Morgan Stanley DW Inc. may use this prospectus supplement, the applicable
      pricing supplement and the accompanying prospectus in connection with offers
      and sales of the securities in market-making transactions.</FONT></I><I><FONT size=2 face="serif"> </FONT></I></P>
<hr align="center" width="15%" size=1 noshade color=GRAY>
<P align="center"> <B><I><FONT size=5 face="serif">MORGAN STANLEY </FONT></I></B></P>
<P align="left"> <I><FONT size=2 face="serif">March 14, 2006 </FONT></I></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">For
      a description of certain restrictions on offers, sales and deliveries of
      the notes and on the distribution of this prospectus supplement and the
      accompanying prospectus relating to the notes, see the section of this
      prospectus supplement called &#147;Plan of Distribution.&#148; </FONT></B></P>
<B><FONT size=2 face="serif">No action has been
or will be taken by us, the Agent or any dealer that would permit a public offering
of the notes or possession or distribution of this prospectus supplement or the
accompanying prospectus in any jurisdiction, other than the United States, where
action for that purpose is required. Neither this prospectus supplement nor the
accompanying prospectus may be used for the purpose of an offer or solicitation
by anyone in any jurisdiction in which such offer or solicitation is not authorized
or to any person to whom it is unlawful to make such an offer or solicitation. </FONT></B>
<p></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">The
      notes have not been and will not be registered with the Comiss&atilde;o
      de Calores Mobili&aacute;rios (The Brazilian Securities Commission). The
      notes may not be offered or sold in the Federative Republic of Brazil (&#147;Brazil&#148;)
      except in circumstances which do not constitute a public offering or distribution
      under Brazilian laws and regulations. </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">The
      notes have not been registered with the Superintendencia de Valores y Seguros
      in Chile and may not be offered or sold publicly in Chile. No offer, sales
      or deliveries of the notes or distribution of this prospectus supplement
      or the accompanying prospectus, may be made in or from Chile except in
      circumstances which will result in compliance with any applicable Chilean
      laws and regulations.</FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">No
      action has been taken to permit an offering of the notes to the public
      in Hong Kong as the notes have not been authorized by the Securities and
      Futures Commission of Hong Kong and, accordingly, no advertisement, invitation
      or document relating to the notes, whether in Hong Kong or elsewhere, shall
      be issued, circulated or distributed which is directed at, or the contents
      of which are likely to be accessed or read by, the public in Hong Kong
      other than (i) with respect to the notes which are or are intended to be
      disposed of only to persons outside Hong Kong or only to professional investors
      within the meaning of the Securities and Futures Ordinance (Cap. 571) of
      Hong Kong ("SFO") and any rules made thereunder or (ii) in circumstances
      that do not constitute an invitation to the public for the purposes of
      the SFO. </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">The
      notes have not been registered with the National Registry of Securities
      maintained by the Mexican National Banking and Securities Commission and
      may not be offered or sold publicly in Mexico. This prospectus supplement
      and the accompanying prospectus may not be publicly distributed in Mexico. </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">The
      Agent and each dealer represent and agree that they will not offer or sell
      the notes nor make the notes the subject of an invitation for subscription
      or purchase, nor will they circulate or distribute the Information Memorandum
      or any other document or material in connection with the offer or sale,
      or invitation for subscription or purchase, of the notes, whether directly
      or indirectly, to persons in Singapore other than:</FONT></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">(a) an institutional
investor (as defined in section 4A of the Securities and Futures Act (Chapter
289 of Singapore (the &#147;SFA&#148;)); </FONT></B>
<p> </P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">(b) an accredited
investor (as defined in section 4A of the SFA), and in accordance with the conditions,
specified in Section 275 of the SFA;</FONT></B>
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">(c) a person who
      acquires the notes for an aggregate consideration of not less than Singapore
      dollars Two Hundred Thousand (S&#36;200,000) (or its equivalent in a foreign
      currency) for each transaction, whether such amount is paid for in cash,
      by exchange of shares or other assets, unless otherwise permitted by law;
      or </FONT></B> </P>
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">(d) otherwise pursuant
      to, and in accordance with the conditions of, any other applicable provision
      of the SFA. </FONT></B></P>
<P align="center"> <FONT size=2 face="serif">S-2 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="center"> <B><FONT size=2 face="serif">TABLE OF CONTENTS </FONT></B></P>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR valign="bottom">
    <TD align=left nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align=left nowrap><div align="right"><B><U><FONT size=2 face="serif">Page</FONT></U></B></div></TD>
    <TD>&nbsp;</TD>
    <TD align=left nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align=right nowrap><B><U><FONT size=2 face="serif">Page</FONT></U></B></TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <B><FONT size=2 face="serif">Prospectus
          Supplement</FONT></B> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=4% nowrap>&nbsp; </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <B><FONT size=2 face="serif">Prospectus</FONT></B> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align=right nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align=left nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align=right nowrap>&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <FONT size=2 face="serif">Summary</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">S-4</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Summary</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">3</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <FONT size=2 face="serif">Hypothetical Payments
        on the Capital</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=4% nowrap>&nbsp; </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Foreign Currency
        Risks</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">7</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">Protected
        Notes</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">S-9</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Where You Can
        Find More Information</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">9</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <FONT size=2 face="serif">Risk Factors</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">S-15</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Consolidated Ratios
        of Earnings to Fixed</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <FONT size=2 face="serif">Description of
        Capital Protected Notes</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">S-19</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> &nbsp; &nbsp;<FONT size=2 face="serif">Charges
        and Earnings to Fixed Charges</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <FONT size=2 face="serif">Use of Proceeds
        and Hedging</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">S-30</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> &nbsp; &nbsp;<FONT size=2 face="serif">and
        Preferred Stock Dividends</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">11</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <FONT size=2 face="serif">Capital Protected
        Notes Offered on a</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=4% nowrap>&nbsp; </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Morgan Stanley</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">12</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">Global
        Basis</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">S-30</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Use of Proceeds</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">13</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <FONT size=2 face="serif">ERISA</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">S-30</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Description of
        Debt Securities</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">13</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <FONT size=2 face="serif">United States
        Federal Taxation</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">S-32</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Description of
        Units</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">39</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <FONT size=2 face="serif">Plan of Distribution</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">S-37</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Description of
        Warrants</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">44</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> <FONT size=2 face="serif">Underlying Indices
        and Underlying</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=4% nowrap>&nbsp; </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Description of
        Purchase Contracts</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">47</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Index
        Publishers Information</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-1</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Description of
        Capital Stock</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">48</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">Dow
        Jones Euro STOXX 50</FONT><B><SUP><FONT size=2 face="serif">&#174; </FONT></SUP></B><FONT size=2 face="serif">Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-1</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Forms of Securities</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">59</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">Dow
        Jones Industrial Average</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-4</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Securities Offered
        on a Global Basis through</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">FTSE</FONT><SUP><FONT size=2 face="serif">TM </FONT></SUP><FONT size=2 face="serif">100
        Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-6</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> &nbsp; &nbsp;<FONT size=2 face="serif">the
        Depositary</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">63</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">Hang
        Seng</FONT><B><SUP><FONT size=2 face="serif">&#174; </FONT></SUP></B><FONT size=2 face="serif">Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-7</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">United States
        Federal Taxation</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">67</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">KOSPI
        200 Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-9</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Plan of Distribution</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">71</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">MSCI
        EAFE Index</FONT><B><SUP><FONT size=2 face="serif">&#174;</FONT></SUP></B> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-11</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Legal Matters</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">73</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">MSCI
        Taiwan Index</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-15</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">Experts</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">73</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">NASDAQ-100
        Index</FONT><B><SUP><FONT size=2 face="serif">&#174;</FONT></SUP></B> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-17</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> <FONT size=2 face="serif">ERISA Matters
        for Pension Plans and</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">Nikkei
        225 Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-21</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap> &nbsp; &nbsp;<FONT size=2 face="serif">Insurance
        Companies</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=2% nowrap> <FONT size=2 face="serif">74</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">PHLX
        Housing Sector</FONT><SUP><FONT size=2 face="serif">SM </FONT></SUP><FONT size=2 face="serif">Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-22</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap>&nbsp; </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">PHLX
        Oil Service Sector</FONT><SUP><FONT size=2 face="serif">SM </FONT></SUP><FONT size=2 face="serif">Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-25</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap>&nbsp; </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">Russell
        2000</FONT><B><SUP><FONT size=2 face="serif">&#174; </FONT></SUP></B><FONT size=2 face="serif">Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-26</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap>&nbsp; </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">S&amp;P
        500</FONT><B><SUP><FONT size=2 face="serif">&#174; </FONT></SUP></B><FONT size=2 face="serif">Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-29</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap>&nbsp; </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">S&amp;P
        100</FONT><B><SUP><FONT size=2 face="serif">&#174; </FONT></SUP></B><FONT size=2 face="serif">Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-32</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap>&nbsp; </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">S&amp;P
        400</FONT><B><SUP><FONT size=2 face="serif">&#174; </FONT></SUP></B><FONT size=2 face="serif">(Midcap)
        Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-35</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap>&nbsp; </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=35% nowrap> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<FONT size=2 face="serif">Tokyo
        Stock Price Index</FONT> </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=right width=4% nowrap> <FONT size=2 face="serif">A-38</FONT> </TD>
    <TD  width=7%>&nbsp; </TD>
    <TD align=left width=38% nowrap>&nbsp; </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=2% nowrap>&nbsp; </TD>
  </TR>
</TABLE>
<BR>
<P align="left"> <B><FONT size=2 face="serif">You should rely only on the information
      contained or incorporated by reference in this prospectus supplement, the
      prospectus and any applicable pricing supplement. We have not authorized
      anyone else to provide you with different or additional information. We
      are offering to sell these securities and seeking offers to buy these securities
      only in jurisdictions where offers and sales are permitted. As used in
      this prospectus supplement, the &#147;Company,&#148; &#147;we,&#148; &#147;us,&#148; and &#147;our&#148; refer
      to Morgan Stanley. </FONT></B></P>
<P align="center"> <FONT size=2 face="serif">S-3 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="center"> <B><FONT size=2 face="serif">SUMMARY </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">The
      following summary describes the capital protected notes linked to an index
      or a basket of indices that we, Morgan Stanley, may offer from time to
      time, in general terms only. You should read the summary together with
      the more detailed information contained in this prospectus supplement,
      in the accompanying prospectus and in the applicable pricing supplement.
      We may also prepare free writing prospectuses that describe particular
      issuances of capital protected notes. Any free writing prospectus should
      also be read in connection with this prospectus supplement and the accompanying
      prospectus. For purposes of this prospectus supplement, any references
      to an applicable pricing supplement may also refer to a free writing prospectus,
      unless the context otherwise requires. </FONT></I></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">We
      will sell these notes primarily in the United States, but may also sell
      them outside the United States or both in and outside the United States
      simultaneously. The notes we offer under this prospectus supplement are
      among the notes we refer to as our Series F medium-term notes. We refer
      to the offering of the Series F medium-term notes as our Series F program.
      See &#147;Plan of Distribution&#148; in this prospectus supplement. </FONT></I></P>
<P align="center"> <B><FONT size=2 face="serif">Capital Protected Notes </FONT></B></P>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR valign="top">
    <TD width=30%> <B><FONT size=2 face="serif">General terms of the notes</FONT></B> </TD>
    <TD width=5%>&nbsp;</TD>
    <TD width=65% colspan=1> <FONT size=2 face="serif">The notes will pay in
        cash the stated principal amount at maturity </FONT><I><FONT size=2 face="serif">plus </FONT></I><FONT size=2 face="serif">a</FONT> <FONT size=2 face="serif">supplemental
        redemption amount, if any, that will not be less than zero, and that
        is</FONT> <FONT size=2 face="serif">based on the percentage change in
        value of an index or a basket of indices of</FONT> <FONT size=2 face="serif">securities,
        which we refer to as the underlying index or the underlying basket of</FONT> <FONT size=2 face="serif">indices,
        over the life of the notes. Some of the potential underlying indices
        that may</FONT> <FONT size=2 face="serif">be specified in the applicable
        pricing supplement are described in Annex A to this</FONT> <FONT size=2 face="serif">prospectus
        supplement titled &#147;Underlying Indices and Underlying Index Publishers.&#148;</FONT> </TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1>&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD> <B><FONT size=2 face="serif">Payment at maturity</FONT></B> </TD>
    <TD>&nbsp;</TD>
    <TD colspan=1 align="center"> <B><FONT size=2 face="serif">100% Principal
          Protection</FONT></B> </TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1>&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1> <FONT size=2 face="serif">At maturity, we will pay you at
        least the principal amount per note, plus the</FONT> <FONT size=2 face="serif">supplemental
        redemption amount, if any.</FONT> </TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1>&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1 align="center"> <B><FONT size=2 face="serif">The Supplemental
          Redemption Amount</FONT></B> </TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1 align="left">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1 align="left"> <p><FONT size=2 face="serif">Unless otherwise specified
          in the applicable pricing supplement, the supplemental</FONT> <FONT size=2 face="serif">redemption
          amount for each note will be equal to the stated principal amount </FONT><I><FONT size=2 face="serif">times</FONT></I> <FONT size=2 face="serif">the
          applicable participation rate </FONT><I><FONT size=2 face="serif">times </FONT></I><FONT size=2 face="serif">the
          index percent change.</FONT> </p>
      <p><FONT size=2 face="serif">The participation
            rate indicates the extent to which you will participate in any</FONT> <FONT size=2 face="serif">change
            in the value of the underlying index or basket of indices. If the participation</FONT> <FONT size=2 face="serif">rate
            is less than 100%, you will participate in less than the full change
            in value. If</FONT> <FONT size=2 face="serif">the participation rate
            is greater than 100%, you will participate in the change in value</FONT> <FONT size=2 face="serif">of
        the underlying index or indices on a leveraged basis.</FONT> </p></TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1 align="left">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1 align="left"> <p><FONT size=2 face="serif">For issuances of notes
          that are based on the increase of the value of an index or</FONT> <FONT size=2 face="serif">basket
          of indices, which we refer to as &#147;</FONT><B><FONT size=2 face="serif">bull
          notes</FONT></B><FONT size=2 face="serif">,&#148; the index percent
          change equals</FONT> <FONT size=2 face="serif">the percentage, if any, by which
          the final index value </FONT><I><FONT size=2 face="serif">exceeds </FONT></I><FONT size=2 face="serif">the
          initial index value.</FONT> </p>
      <p><FONT size=2 face="serif">For bull notes
            that are linked to a single index, the supplemental redemption amount</FONT> <FONT size=2 face="serif">will
        be calculated as follows:</FONT> </p></TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1 align="left">&nbsp;</TD>
  </TR>
  <TR align="right" valign="top">
    <TD colspan="3"><img src="p4.jpg" width="525" height="46"></TD>
  </TR>
  <TR align="right" valign="top">
    <TD colspan="3">&nbsp;</TD>
  </TR>
  <TR align="right" valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><div align="left"><I><FONT size=2 face="serif">where,</FONT></I></div></TD>
  </TR>
</TABLE>
<BR>
<BR>
<P align="center"> <FONT size=2 face="serif">S-4 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR valign="top">
    <TD width=30%>&nbsp;</TD>
    <TD width=5%>&nbsp;</TD>
    <TD width=25%> <FONT size=2 face="serif">stated principal amount</FONT> </TD>
    <TD width=5% align="center"><FONT size=2 face="serif">=</FONT></TD>
    <TD width=35% align="left"> <FONT size=2 face="serif">the stated principal
        amount per note payable on the maturity date, as specified in the applicable
        pricing</FONT> <FONT size=2 face="serif">supplement</FONT> </TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD width="25%">&nbsp;</TD>
    <TD width="5%" align="center">&nbsp;</TD>
    <TD width="35%" align="left">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD width="25%"> <FONT size=2 face="serif">participation rate</FONT> </TD>
    <TD width="5%" align="center"><FONT size=2 face="serif">=</FONT></TD>
    <TD width="35%" align="left"> <FONT size=2 face="serif">100%, unless otherwise
        specified in the applicable <FONT size=2 face="serif">pricing supplement</FONT> </FONT> </TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD width="25%">&nbsp;</TD>
    <TD width="5%" align="center">&nbsp;</TD>
    <TD width="35%" align="left">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD width="25%"> <FONT size=2 face="serif">index percent change</FONT> </TD>
    <TD width="5%" align="center"><FONT size=2 face="serif">=</FONT></TD>
    <TD width="35%" align="left"><img src="p5.jpg" width="209" height="38"></TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3"> <FONT size=2 face="serif">For bull notes, if the final index
        value is less than or equal to the initial index value, the supplemental
        redemption amount will be zero. Therefore, you will receive only the
        principal amount for each note that you hold, and will not receive any
        supplement redemption amount. </FONT></TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD width="25%"> <FONT size=2 face="serif">initial index value</FONT> </TD>
    <TD width="5%" align="center"><FONT size=2 face="serif">=</FONT></TD>
    <TD width="35%" align="left"> <FONT size=2 face="serif">the index closing
        value of the underlying index on</FONT> <FONT size=2 face="serif">the
        index setting date specified in the applicable</FONT> <FONT size=2 face="serif">pricing
        supplement</FONT> </TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD> <FONT size=2 face="serif">final index value</FONT> </TD>
    <TD align="center"><FONT size=2 face="serif">=</FONT></TD>
    <TD align="left"> <FONT size=2 face="serif">the index closing value of the
        underlying index on</FONT> <FONT size=2 face="serif">the determination
        date specified in the applicable</FONT> <FONT size=2 face="serif">pricing
        supplement</FONT> </TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD> <FONT size=2 face="serif">index closing value</FONT> </TD>
    <TD align="center"><FONT size=2 face="serif">=</FONT></TD>
    <TD align="left"> <FONT size=2 face="serif">the value of an underlying index
        or any successor</FONT> <FONT size=2 face="serif">index at the regular
        weekday close of trading on</FONT> <FONT size=2 face="serif">the index
        business day for the underlying index </FONT></TD>
  </TR>
</TABLE>
<BR>
<TABLE border=0 cellspacing=0 cellpadding=0>
  <TR valign="top">
    <TD width=30%><P><B><FONT size=2 face="serif">Other features of capital protected
            notes</FONT></B></P></TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65% colspan=1><P><FONT size=2 face="serif">Certain capital protected
          notes may have features that differ from the basic capital protected
          notes described above. An issuance of capital protected notes could
          combine more than one of the features listed below.</FONT></P>
        <P><B><I><FONT size=2 face="serif">Notes Linked to a Basket of Indices:</FONT></I></B></P>
        <P><FONT size=2 face="serif">For issuances of notes linked to a basket
            of indices, the mechanics described above under &#147;&#151;Payment
            at maturity&#148; will apply, </FONT><I><FONT size=2 face="serif">except </FONT></I><FONT size=2
face="serif">that:</FONT></P>      </TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1>&nbsp;</TD>
  </TR>
</TABLE>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr valign="top">
    <td width="35%">&nbsp;</td>
    <td width="5%">
    <li></li>    </td>
    <td width="60%"><font size=2 face="serif">the initial index value will equal
        a predetermined basket value specified in the applicable pricing supplement.
        On the basket setting date, which will be the day we price the notes
        for initial sale to the public, unless otherwise specified in the applicable
        pricing supplement, the Calculation Agent will determine the fractional
        value of each index included in the basket, which we refer to as a &#147;basket
        index,&#148; by calculating a multiplier so that each basket index will
        represent its applicable weighting in the initial index value. The basket
        closing value, which is the sum of the products of the index closing
        value of each of the basket indices</font><i><font size=2 face="serif"> </font></i><font
size=2 face="serif">and the applicable multiplier for each basket indices, calculated
        on the basket setting date will equal the initial index value. The multiplier
        for each basket index will remain constant for the term of the notes.
        The weighting, the multiplier and the index closing value of each basket
        index used to calculate the initial index value will be specified in
    the final pricing supplement for each offering of notes; and</font><b><i><font size=2 face="serif"> </font></i></b></td>
  </tr>
</table>
<BR>
<P align="left">&nbsp;</P>
<P align="center"> <FONT size=2 face="serif">S-5 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE>
<p>&nbsp;</p>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr valign="top">
    <td width="35%">&nbsp;</td>
    <td width="5%">
      <li></li></td>
    <td width="60%"><FONT size=2 face="serif"><FONT size=2 face="serif">the final
          index value will equal the basket closing value on the determination</FONT> date
          specified in the applicable pricing supplement, which will equal the
          sum of the products of the index closing value of each of the basket
          indices on such determination date and the applicable multiplier for
    each of the basket indices.</FONT></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
</table>
<TABLE border=0 cellspacing=0 cellpadding=0>
  <TR valign="top">
    <TD width=30%> </TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65% colspan=7><p><FONT size=2 face="serif">See &#147;Description of Capital Protected
            Notes&#151;General Terms of the Notes&#151;Some Definitions&#148; for
            definition of terms related to notes linked to a basket of indices.</FONT></p>      <P><B><I><FONT size=2 face="serif">Multiple Determination Dates:</FONT></I></B></P>
        <P><FONT size=2 face="serif">For issuances of notes that have multiple
            determination dates, which will be specified in the applicable pricing
            supplement, the mechanics described above under &#147;&#151;Payment
            at maturity&#148; will apply, </FONT><I><FONT size=2 face="serif">except </FONT></I><FONT size=2 face="serif">that,
            in lieu of the final index value, we will use the final average index
            value, which will equal:</FONT></P></TD>
  </TR></table>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&#149;</td>
    <td width="60%"><FONT size=2 face="serif">for notes linked to a single index,
        the arithmetic average of the index closing values of the underlying
        index on the relevant determination dates, as calculated by the Calculation
    Agent on the final determination date, or</FONT></td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&#149;</td>
    <td width="60%"><FONT size=2 face="serif">for notes linked to a basket of
    indices, the arithmetic average of the basket closing values of the
          basket indices on the relevant determination dates, as calculated by
    the Calculation Agent on the final determination date.</FONT></td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
</table>
<TABLE border=0 cellspacing=0 cellpadding=0>

  <TR valign="top">
    <TD width=30%> </TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65% colspan=7><P><B><I><FONT size=2 face="serif">Bear Notes:</FONT></I></B></P>
        <P><FONT size=2 face="serif">For issuances of notes that are based on
            the decrease of the value of an underlying index or basket of indices,
            which we refer to as &#147;</FONT><B><FONT size=2 face="serif">bear
            notes</FONT></B><FONT size=2
face="serif">,&#148; the mechanics described above under &#147;&#151;Payment
            at maturity&#148; will apply, </FONT><I><FONT size=2 face="serif">except </FONT></I><FONT size=2 face="serif">that
            the index percent change will equal the percentage, if any, by which
            the final index value is </FONT><I><FONT size=2 face="serif">less
            than </FONT></I><FONT size=2 face="serif">the initial index value.</FONT></P>
        <P><I><FONT size=2 face="serif">thus,<br>
        </FONT></I><FONT size=2 face="serif">for
        bear notes</FONT></P>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align=left nowrap colspan=3>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align=left nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align=center nowrap>&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=30% nowrap>&nbsp; </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=11% nowrap colspan=3> <FONT size=2 face="serif">index
        percent</FONT> </TD>
    <TD  width=2%>&nbsp; </TD>
    <TD align=left width=1% nowrap>&nbsp; </TD>
    <TD  width=3%>&nbsp; </TD>
    <TD align=center width=48% nowrap> <U><FONT size=2 face="serif">initial index
          value &#150; final index value</FONT></U> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=30% nowrap>&nbsp; </TD>
    <TD  width=5%>&nbsp; </TD>
    <TD align=left width=1% nowrap>&nbsp; </TD>
    <TD  width=1%>&nbsp; </TD>
    <TD align=center width=9% nowrap> <FONT size=2 face="serif">change</FONT> </TD>
    <TD  width=2%>&nbsp; </TD>
    <TD align=left width=1% nowrap> <FONT size=2 face="serif">=</FONT> </TD>
    <TD  width=3%>&nbsp; </TD>
    <TD align=center width=48% nowrap> <FONT size=2 face="serif">initial index
        value</FONT> </TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=7>&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width=30%>&nbsp; </TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65% colspan=7><P><FONT size=2 face="serif">For bear notes, if the
          final index value is </FONT><I><FONT size=2 face="serif">greater than
          or equal to the initial index value</FONT></I><FONT size=2 face="serif">,
          the supplemental redemption amount will be zero. Therefore, you will
          receive only the principal amount for each note that you hold and will
          not receive any supplemental redemption amount.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=7>&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width=30%><P><B><FONT size=2 face="serif">Issue price of the notes includes
            commissions and projected profit</FONT></B></P></TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65% colspan=7><P><FONT size=2 face="serif">The issue price of the
          notes, which will be specified in the applicable pricing supplement,
          includes the agent&#146;s commissions paid with respect to the notes
          and the cost of hedging our obligations under the notes. The cost of
          hedging includes the projected profit that our subsidiaries may realize
          in consideration for assuming the risks inherent in managing the hedging
          transactions. The fact that the issue price of the notes reflects these
          commissions and hedging costs is expected to adversely affect the secondary
          market prices of the notes. See &#147;Risk Factors&#151;The inclusion
          of commissions and projected profit from hedging in the original issue
          price is likely to adversely affect secondary market prices&#148; and &#147;Use
          of Proceeds and Hedging&#148; below.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=7>&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width=30%><P><B><FONT size=2 face="serif">Postponement of maturity date</FONT></B></P></TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65% colspan=7><P><FONT size=2 face="serif">If the scheduled determination
          date or final determination date, in the case of multiple determination
          dates, is not an index business day or if a market disruption event
          occurs on that day, the maturity date of the notes will be postponed
          until the second scheduled index business day following that determination
          date as postponed.</FONT></P></TD>
  </TR>
</TABLE>
<BR>
<P align="center"> <FONT size=2 face="serif">S-6 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<TABLE border=0 cellspacing=0 cellpadding=0>
  <TR valign="top">
    <TD width=30%><P><B><FONT size=2 face="serif">Interest</FONT></B></P></TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65%><P><FONT size=2 face="serif">The notes may pay interest, if
          any, at a fixed rate or a floating rate, which will be specified in
          the applicable pricing supplement. If the notes pay interest, such
          interest will be paid on the interest payment dates specified in the
          applicable pricing supplement.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD width=30%>&nbsp;</TD>
    <TD width=5%>&nbsp;</TD>
    <TD width=65%>&nbsp;</TD>
  </TR></table>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr valign="top">
    <td width="30%"><b><font size=2 face="serif">Other terms of the notes</font></b></td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&#149;</td>
    <td width="60%"><font size=2 face="serif" align="left">The notes will not
        be listed on any securities exchange, unless we specify otherwise in
    the applicable pricing supplement.</font></td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&#149;</td>
    <td width="60%"><font size=2 face="serif">The notes will be senior unsecured
    obligations of ours.</font></td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&#149;</td>
    <td width="60%"><font size=2 face="serif">The applicable pricing supplement
        will specify whether the notes will be callable by us or puttable by
    you.</font></td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&#149;</td>
    <td width="60%"><p><font size=2 face="serif">You will not have the right to
          present the notes to us for repayment prior to maturity, unless the applicable
          pricing supplement provides otherwise.</font></p>    </td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&#149;</td>
    <td><font size=2 face="serif">The notes may be issued at a discount to their
    stated principal amount.</font></td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&#149;</td>
    <td width="60%"><font size=2 face="serif">We may from time to time, without
        your consent, create and issue additional notes of any series with the
        same terms as the notes previously issued so that they may be combined
    with the earlier issuance.</font></td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
</table>
<TABLE border=0 cellspacing=0 cellpadding=0>
  <TR valign="top">
    <TD width=30%><P><B><FONT size=2 face="serif">Our call right</FONT></B></P></TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65%><P><FONT size=2 face="serif">If so specified in the applicable
          pricing supplement, we will have the right to call all or part of the
          notes, beginning on the initial call date specified in the applicable
          pricing supplement. If we decide to call the notes, we will:</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
  </TR></table>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&#149;</td>
    <td width="60%"><FONT size=2 face="serif">send a notice announcing that we
    have decided to call the notes; </FONT></td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&#149;</td>
    <td width="60%"><FONT size=2 face="serif">specify in the notice the call
    price that we will pay you in exchange for each note; and</FONT></td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&#149;</td>
    <td width="60%"><FONT size=2 face="serif">specify in the notice a call date
        when you will receive the call price; the call date will be at least
        10 days and no more than 30 calendar days after the date of the notice,
        or within the redemption notice period specified in the applicable pricing
    supplement.</FONT></td>
  </tr>
  <tr valign="top">
    <td width="30%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="60%">&nbsp;</td>
  </tr>
</table>
<TABLE border=0 cellspacing=0 cellpadding=0>

  <TR valign="top">
    <TD width=30%> </TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65%><P><FONT size=2 face="serif">The call price or call prices
          will be specified in the applicable pricing supplement. In the case
          of notes issued with original issue discount, the call price on any
          call date will include the yield that will have accrued on the note
          since the most recent date for which a call price is specified. Also
          see the section in this prospectus supplement called &#147;Description
          of Capital Protected Notes&#150;Additional Price Dependent Call Right.&#148;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width=30%><P><B><FONT size=2 face="serif">MS &amp; Co. will be the Calculation
            Agent</FONT></B></P></TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65%><P><FONT size=2 face="serif">We have appointed our affiliate
          Morgan Stanley &amp; Co. Incorporated or its successors, which we refer
          to as MS &amp; Co., to act as Calculation Agent for us with respect
          to the capital protected notes. As Calculation Agent, MS &amp; Co.
          will determine the initial index value, the index closing values, the
          multipliers, the final index value, the final average index value,
          the percentage change in the underlying index or basket of indices,
          the supplemental redemption amount, the payment at maturity and whether
          a market disruption event has occurred. All determinations made by
          the Calculation Agent will be at the sole discretion of the Calculation
          Agent and will, in the absence of manifest error, be conclusive for
          all purposes and binding on you, the Trustee and us.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width=30%><P><B><FONT size=2 face="serif">Forms of securities</FONT></B></P></TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65%><P><FONT size=2 face="serif">The capital protected notes will
          be issued in fully registered form and will be represented by a global
          security registered in the name of a nominee of The Depository Trust
          Company, as depositary, unless we indicate in the applicable pricing
          supplement that they will be represented by certificates issued in
          definitive form. We will not issue book-entry securities as certificated
          securities except under the circumstances described in &#147;Forms
          of Securities &#151; The Depositary&#148; in the prospectus, under
          which heading you may also find information on The Depository Trust
          Company&#146;s book-entry system.</FONT></P></TD>
  </TR>
</TABLE>
<BR>
<P align="center"> <FONT size=2 face="serif">S-7 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<TABLE border=0 cellspacing=0 cellpadding=0>
  <TR valign="top">
    <TD width=30%><P><B><FONT size=2 face="serif">Where you can find more information
            on the notes</FONT></B></P></TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65% colspan=1><P><FONT size=2 face="serif">Because this is a summary,
          it does not contain all of the information that may be important to
          you including the specific requirements for the exercise of our call
          right. You should read the &#147;Description of Capital Protected Notes&#148; section
          in this prospectus supplement and the &#147;Description of Debt Securities&#148; section
          in the prospectus for a detailed description of the terms of the notes.
          You should also read about some of the risks involved in investing
          in the notes in the section of this prospectus supplement called &#147;Risk
          Factors.&#148;</FONT></P>
        <P><B><FONT size=2 face="serif">We urge you to consult with your investment,
              legal, accounting and other advisors </FONT></B><FONT size=2 face="serif">with </FONT><B><FONT size=2 face="serif">regard
              to any investment in the notes.</FONT></B></P></TD>
  </TR>
  <TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan=1>&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width=30%><P><B><FONT size=2 face="serif">How to reach us</FONT></B></P></TD>
    <TD width=5%>&nbsp; </TD>
    <TD width=65% colspan=1><P><FONT size=2 face="serif">You may contact your
          local Morgan Stanley branch office or our principal executive offices
          at 1585 Broadway, New York, New York, 10036 (telephone number (212)
          761-4000).</FONT></P></TD>
  </TR>
</TABLE>
<BR>
<P align="center"> <FONT size=2 face="serif">S-8 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="center"><B><FONT size=2 face="serif">HYPOTHETICAL PAYMENTS ON THE CAPITAL
      PROTECTED NOTES </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    following examples illustrate the payment at maturity on the notes for a
    range of hypothetical issuances of notes with the following characteristics:
    (a) bull notes with a single determination date; (b) bull notes with multiple
    determination dates; (c) bear notes with a single determination date; and
    (d) bear notes with multiple determination dates. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">General
    terms for the hypothetical issuances described below: </FONT></P>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr>
    <td width="20%"><FONT size=2 face="serif">Principal Amount: </FONT></td>
    <td width="5%">&nbsp;</td>
    <td width="75%"><FONT size=2 face="serif">&#36;10</FONT></td>
  </tr>
  <tr>
    <td width="20%" nowrap><FONT size=2 face="serif">Hypothetical
        initial index value:</FONT></td>
    <td width="5%">&nbsp;</td>
    <td width="75%"><FONT size=2 face="serif"> 1,000 </FONT></td>
  </tr>
</table>

<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(a) </FONT><B><FONT size=2 face="serif">Bull
      notes with a single determination date</FONT></B><FONT size=2 face="serif">:</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">At maturity,
    if the final index value is greater than the initial index value, for each &#36;10
    principal amount of notes that you hold, you will receive a supplemental
    redemption amount in addition to the principal amount of &#36;10. The supplemental
    redemption amount will be calculated on the determination date and is equal
    to the product of (i) &#36;10 </FONT><I><FONT size=2 face="serif">times</FONT></I><FONT size=2 face="serif"> (ii)
    the participation rate </FONT><I><FONT size=2 face="serif">times</FONT></I><FONT size=2 face="serif"> (iii)
    the percentage, if any, by which the final index value exceeds the initial
    index value. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Presented
    below is a hypothetical example showing how the payment on the notes, including
    the supplemental redemption amount, is calculated, as well as a table showing
    a range of hypothetical payments on the notes. </FONT></P>
<P align="left"> <FONT size=2 face="serif">Example 1: </FONT></P>
<P align="left"> <I><FONT size=2 face="serif">The final index value is 50% greater
      than the initial index value. </FONT></I></P>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr>
    <td width="20%"><FONT size=2 face="serif">Final index value:</FONT></td>
    <td width="5%">&nbsp;</td>
    <td width="75%"><FONT size=2 face="serif">1,500</FONT></td>
  </tr>
  <tr>
    <td width="20%"><FONT size=2 face="serif">Hypothetical participation rate:</FONT></td>
    <td width="5%">&nbsp;</td>
    <td width="75%"> <FONT size=2 face="serif"> 130% </FONT></td>
  </tr>
</table>
<P align="center"><img src="p9.jpg" width="457" height="35"></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In the
    example above, the total payment at maturity per note will equal &#36;16.50,
    which is the sum of the principal amount of &#36;10 and a supplemental redemption
    amount of &#36;6.50. The examples of the hypothetical supplemental redemption
    amounts and payments at maturity provided in the table below are intended
    to illustrate the effect of the participation rate on each &#36;10 principal
    amount of notes for the specified final index values, however they do not
    cover the complete range of possible payments at maturity.</FONT></P>
<TABLE width=100% border=0 cellspacing=0 cellpadding=0>
  <TR valign="bottom">
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif"> <FONT size=2 face="serif">Percent
            Return of<br>
      </FONT>Hypothetical<br>
    </FONT>Underlying Index</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Final Index Value</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Principal Amount</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif"> <FONT size=2 face="serif">Supplemental<br>
      </FONT>Redemption<br>
    </FONT>Amount</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Payment at Maturity</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif">Percent
          Return on<br>
    </FONT>&#36;10 Note</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-100%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">0</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-50%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">500</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-40%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">600</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-30%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">700</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-20%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">800</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-10%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">900</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom" bgcolor="e0e0e0">
    <TD width=7% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">1,000</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">10%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">1,100</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;1.30</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;11.30</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">13%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">20%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">1,200</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;2.60</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;12.60</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">26%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">30%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">1,300</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;3.90</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;13.90</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">39%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">40%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">1,400</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;5.20</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;15.20</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">52%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">50%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">1,500</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;6.50</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;16.50</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">65%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">60%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">1,600</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;7.80</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;17.80</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">78%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">70%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">1,700</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;9.10</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;19.10</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">91%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">80%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">1,800</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.40</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;20.40</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">104%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">90%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">1,900</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;11.70</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;21.70</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">117%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">100%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">2,000</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;13.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">&#36;23.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7% nowrap> <FONT size=2 face="serif">130%</FONT> </TD>
    <TD width=7% nowrap>&nbsp;</TD>
  </TR>
</TABLE>
<BR>
<P align="center"> <FONT size=2 face="serif">S-9</FONT><br>
    <br>
</P>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">Example 2: </FONT></P>
<P align="left"> <I><FONT size=2 face="serif">The final index value is 50% greater
      than the initial index value. </FONT></I></P>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr>
    <td width="20%"><FONT size=2 face="serif">Final index value:</FONT></td>
    <td width="5%">&nbsp;</td>
    <td width="75%"><FONT size=2 face="serif">1,500</FONT></td>
  </tr>
  <tr>
    <td width="20%"><FONT size=2 face="serif">Hypothetical participation rate: </FONT></td>
    <td width="5%">&nbsp;</td>
    <td width="75%"><FONT size=2 face="serif">80% </FONT></td>
  </tr>
</table>
<P align="center"><img src="p10.jpg" width="447" height="51"></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In the
    example above, the total payment at maturity per note will equal &#36;1,400,
    which is the sum of the principal amount of &#36;1,000 and a supplemental
    redemption amount of &#36;400. The supplemental redemption amount, if any,
    is based on the final index value, which is equal to the index closing value
    on the determination date. It is not possible to present a chart or table
    illustrating the complete range of possible payments at maturity.</FONT></P>
<TABLE width=100% border=0 cellspacing=0 cellpadding=0>
  <TR valign="bottom">
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif"> <FONT size=2 face="serif">Percent
            Return of<br>
      </FONT>Hypothetical<br>
    </FONT>Underlying Index</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Final Index Value</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Principal Amount</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif"> <FONT size=2 face="serif">Supplemental<br>
      </FONT>Redemption<br>
    </FONT>Amount</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Payment at Maturity</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif">Percent
          Return on<br>
    </FONT>&#36;10 Note</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-100%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">0</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-50%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">500</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-40%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">600</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-30%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">700</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-20%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">800</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">-10%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">900</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom" bgcolor="e0e0e0">
    <TD width=7% nowrap bgcolor="e0e0e0"> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD  width=7% bgcolor="e0e0e0">&nbsp;</TD>
    <TD  width=3% bgcolor="e0e0e0"><font size="2">&nbsp;</font> </TD>
    <TD width=7% bgcolor="e0e0e0"> <FONT size=2 face="serif">1,000</FONT> </TD>
    <TD  width=7% bgcolor="e0e0e0">&nbsp;</TD>
    <TD  width=3% bgcolor="e0e0e0"><font size="2">&nbsp;</font> </TD>
    <TD width=7% bgcolor="e0e0e0"> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7% bgcolor="e0e0e0">&nbsp;</TD>
    <TD  width=3% bgcolor="e0e0e0"><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right bgcolor="e0e0e0"> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7% bgcolor="e0e0e0">&nbsp;</TD>
    <TD  width=3% bgcolor="e0e0e0"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7% bgcolor="e0e0e0">&nbsp;</TD>
    <TD  width=3% bgcolor="e0e0e0"><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7% bgcolor="e0e0e0">&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">10%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">1,100</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;0.80</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;10.80</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">8%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">20%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">1,200</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;1.60</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;11.60</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">16%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">30%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">1,300</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;2.40</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;12.40</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">24%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">40%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">1,400</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;3.20</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;13.20</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">32%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">50%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">1,500</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;4.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;14.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">40%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">60%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">1,600</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;4.80</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;14.80</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">48%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">70%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">1,700</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;5.60</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;15.60</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">56%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">80%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">1,800</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;6.40</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;16.40</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">64%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">90%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">1,900</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;7.20</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;17.20</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">72%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=7% nowrap> <FONT size=2 face="serif">100%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">2,000</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right> <FONT size=2 face="serif">&#36;8.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right> <FONT size=2 face="serif">&#36;18.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">80%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
</TABLE>
<BR>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(b) </FONT><B><FONT size=2 face="serif">Bull
      notes with multiple determination dates</FONT></B><FONT size=2 face="serif">: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In the
    case of bull notes with multiple determination dates, the supplemental redemption
    amount, if any, is based on the final average index value, which equals the
    arithmetic average of the index closing values of the underlying index on
    the determination dates (four in our example below) specified in the applicable
    pricing supplement. Because the value of the underlying index may be subject
    to significant fluctuations over the period covered by the determination
    dates, it is not possible to present a chart or table illustrating the complete
    range of possible payments at maturity. The examples of the hypothetical
    payment calculations that follow are intended to illustrate the effect of
    general trends in the index closing value of the underlying index over such
    period on the amount payable to you at maturity. However, the underlying
    index may not increase or decrease over such period in accordance with any
    of the trends depicted by the hypothetical examples below.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    following four examples illustrate the payment at maturity on the notes for
    a range of hypothetical index closing values in an hypothetical issuance
    with four determination dates and demonstrate the impact of basing the calculation
    of the supplemental redemption amount for the notes on the final average
    index value. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-10 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR valign="bottom">
    <TD align=left width=27% nowrap><font size="2">&nbsp;</font> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <I><FONT size=2 face="serif">Example 1</FONT></I> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <I><FONT size=2 face="serif">Example 2</FONT></I> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <I><FONT size=2 face="serif">Example 3</FONT></I> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <I><FONT size=2 face="serif">Example 4</FONT></I> </TD>
  </TR>
  <TR>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=27% nowrap><font size="2">&nbsp;</font> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">Index Closing
          Value</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">Index Closing
          Value</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">Index Closing
          Value</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">Index Closing
          Value</FONT></B> </TD>
  </TR>
  <TR>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <FONT size=2 face="serif">1</FONT><font size="2"><SUP><FONT face="serif">st </FONT></SUP><FONT face="serif">Determination
          Date</FONT></font> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,300</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,100</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,300</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">950</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <FONT size=2 face="serif">2</FONT><font size="2"><SUP><FONT face="serif">nd </FONT></SUP><FONT face="serif">Determination
          Date</FONT></font> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,400</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,000</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,400</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">900</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <FONT size=2 face="serif">3</FONT><font size="2"><SUP><FONT face="serif">rd </FONT></SUP><FONT face="serif">Determination
          Date</FONT></font> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,500</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">900</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,200</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">850</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <FONT size=2 face="serif">Final Determination
        Date</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,600</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">800</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,000</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,250</FONT> </TD>
  </TR>
  <TR>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <B><FONT size=2 face="serif">Final Average
          Index Value:</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">1,450.00</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">950.00</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">1,225.00</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">987.50</FONT></B> </TD>
  </TR>
  <TR>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <B><FONT size=2 face="serif">Participation
          Rate :</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">130%</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">130%</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">130%</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">130%</FONT></B> </TD>
  </TR>
  <TR>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <B><FONT size=2 face="serif">Supplemental
          Redemption Amount:</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">&#36;5.85</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">&#36;0.00</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">&#36;2.93</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">&#36;0.00</FONT></B> </TD>
  </TR>
  <TR>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <B><FONT size=2 face="serif">Payment at
          maturity on a &#36;10<br>
                <B><FONT size=2 face="serif">investment:</FONT></B> </FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD width=15% align=center valign="top" nowrap> <B><FONT size=2 face="serif">&#36;15.85</FONT></B> </TD>
    <TD  width=2% valign="top"><font size="2">&nbsp;</font> </TD>
    <TD width=15% align=center valign="top" nowrap> <B><FONT size=2 face="serif">&#36;10.00</FONT></B> </TD>
    <TD  width=2% valign="top"><font size="2">&nbsp;</font> </TD>
    <TD width=15% align=center valign="top" nowrap> <B><FONT size=2 face="serif">&#36;12.93</FONT></B> </TD>
    <TD  width=2% valign="top"><font size="2">&nbsp;</font> </TD>
    <TD width=15% align=center valign="top" nowrap> <B><FONT size=2 face="serif">&#36;10.00</FONT></B> </TD>
  </TR>
  <TR>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
</TABLE>
<BR>
<UL>
  <LI> <FONT size=2 face="serif">In Example 1, the index closing value increases
      on each determination date and, due to the averaging of the</FONT> <FONT size=2 face="serif">index
      closing values over the determination dates, the final average index value
      of 1,450 is lower than the index</FONT> <FONT size=2 face="serif">closing
      value of 1,600 on the final determination date. At maturity, for each note
      the investor receives &#36;15.85,</FONT> <FONT size=2 face="serif">the
      sum of the principal amount of &#36;10.00 and the supplemental redemption
      amount of &#36;5.85. The return on the</FONT> <FONT size=2 face="serif">notes
      at maturity represents a 58.5% increase above the stated principal amount,
      which is less than the simple</FONT> <FONT size=2
face="serif">index return of approximately 60% over the term of the notes.<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">In Example 2, the index closing value decreases
      on each determination date and, due to the averaging of the</FONT> <FONT size=2 face="serif">index
      closing values over the determination dates, the final average index value
      of 950 is higher than the index</FONT> <FONT size=2 face="serif">closing
      value of 800 on the final determination date. But because the final average
      index value is less than the</FONT> <FONT size=2 face="serif">initial index
      value, there is no supplemental redemption amount. Nevertheless, the investor
      receives the</FONT> <FONT size=2 face="serif">principal amount of &#36;10.00
      for each note at maturity, even though the index declines 5% over the term
      of the</FONT> <FONT size=2
face="serif">notes.<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">In Example 3, the index closing value reaches
      a high of 1,400 on the second determination date and declines on</FONT> <FONT size=2 face="serif">subsequent
      determination dates. At maturity, the final average index value of 1,225
      is higher than the index</FONT> <FONT size=2 face="serif">closing value
      of 1,000 on the final determination date. At maturity, for each note the
      investor receives &#36;12.93,</FONT> <FONT size=2 face="serif">the sum
      of the principal amount of &#36;10.00 and the supplemental redemption amount
      of &#36;2.93. The return on the</FONT> <FONT size=2 face="serif">notes
      at maturity represents a 29.3% increase above the stated principal amount,
      even though the simple index</FONT> <FONT size=2
face="serif">return over the term of the notes is 0%.<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">In Example 4, the index closing value declines
      on each of the first three determination dates to a low of 850 and</FONT> <FONT size=2 face="serif">increases
      on the final determination date. At maturity, the final average index value
      of 987.5 is less than the</FONT> <FONT size=2 face="serif">index closing
      value of 1,250 on the final determination date. Because the final average
      index value is also less</FONT> <FONT size=2 face="serif">than the initial
      index value, there is no supplemental redemption amount, and the investor
      receives only the</FONT> <FONT size=2 face="serif">principal amount of &#36;10.00
      for each note at maturity. The return of only the principal amount of the
      notes at</FONT> <FONT size=2
face="serif">maturity is less than the simple index return of 25% over the term
      of the notes.</FONT></LI>
</UL>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(c) </FONT><B><FONT size=2 face="serif">Bear
      notes with a single determination date</FONT></B><FONT size=2 face="serif">: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">At maturity,
    if the final index value is less than the initial index value, for each &#36;10
    principal amount of notes that you hold, you will receive a supplemental
    redemption amount in addition to the principal amount of &#36;10. The supplemental
    redemption amount will be calculated on the final determination date and
    is equal to (i) &#36;10 </FONT><I><FONT size=2 face="serif">times </FONT></I><FONT size=2 face="serif">(ii)
    the participation rate </FONT><I><FONT size=2 face="serif">times</FONT></I><FONT size=2 face="serif"> (iii)
    the percentage, if any, by which the final index value is less than the initial
    index value. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Presented
    below is a hypothetical example showing how the payment on the notes, including
    the supplemental redemption amount, is calculated, as well as a table showing
    a range of hypothetical payments on the notes. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-11 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">Example 1: </FONT></P>
<P align="left"> <I><FONT size=2 face="serif">The final index value is 20% less
      than the initial index value. </FONT></I></P>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr>
    <td width="20%"><FONT size=2 face="serif">Final index value:</FONT></td>
    <td width="5%">&nbsp;</td>
    <td width="75%"><FONT size=2 face="serif"> 800 </FONT></td>
  </tr>
  <tr>
    <td width="20%"><FONT size=2 face="serif">Hypothetical participation rate: </FONT></td>
    <td width="5%">&nbsp;</td>
    <td width="75%"><FONT size=2 face="serif">130% </FONT></td>
  </tr>
</table>
<P align="center"><img src="p11.jpg" width="445" height="34"></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In the
    example above, the total payment at maturity per note will equal &#36;12.60,
    which is the sum of the principal amount of &#36;10 and a supplemental redemption
    amount of &#36;2.60. The examples of the hypothetical supplemental redemption
    amounts and payments at maturity provided in the table below are intended
    to illustrate the effect of the participation rate on each &#36;10 principal
    amount of notes for the specified final index values, however they do not
    cover the complete range of possible payments at maturity. </FONT></P>
<TABLE width=100% border=0 cellspacing=0 cellpadding=0>
  <TR valign="bottom">
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif"> <FONT size=2 face="serif">Percent
            Return of<br>
      </FONT>Hypothetical<br>
    </FONT>Underlying Index</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Final Index Value</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Principal Amount</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif"> <FONT size=2 face="serif">Supplemental<br>
      </FONT>Redemption<br>
    </FONT>Amount</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Payment at Maturity</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif">Percent
          Return on<br>
    </FONT>&#36;10 Note</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-100%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;13.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;23.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">130%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-90%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">100</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;11.70</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;21.70</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">117%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-80%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">200</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;10.40</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;20.40</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">104%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-70%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">300</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;9.10</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;19.10</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">91%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-60%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">400</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;7.80</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;17.80</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">78%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-50%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">500</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;6.50</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;16.50</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">65%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-40%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">600</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;5.20</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;15.20</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">52%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-30%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">700</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;3.90</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;13.90</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">39%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-20%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">800</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;2.60</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;12.60</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">26%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-10%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">900</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;1.30</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;11.30</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">13%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom" bgcolor="e0e0e0">
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,000</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">10%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,100</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">20%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,200</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">30%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,300</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">40%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,400</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">50%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,500</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">100%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">2,000</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
</TABLE>
<BR>
<P align="left"> <FONT size=2 face="serif">Example 2: </FONT></P>
<P align="left"> <I><FONT size=2 face="serif">The final index value is 20% less
      than the initial index value. </FONT></I></P>
<table width="100%"  border="0" cellspacing="0" cellpadding="0">
  <tr>
    <td width="20%"><FONT size=2 face="serif">Final index value:</FONT></td>
    <td width="5%">&nbsp;</td>
    <td width="75%"><FONT size=2 face="serif"> 800 </FONT></td>
  </tr>
  <tr>
    <td width="20%"><FONT size=2 face="serif">Hypothetical participation rate: </FONT></td>
    <td width="5%">&nbsp;</td>
    <td width="75%"><FONT size=2 face="serif">80% </FONT></td>
  </tr>
</table>
<P align="center"><img src="p12.jpg" width="448" height="38"></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In the
    example above, the total payment at maturity per note will equal &#36;11.60,
    which is the sum of the principal amount of &#36;10 and a supplemental redemption
    amount of &#36;1.60. The examples of the hypothetical supplemental redemption
    amounts and payments at maturity provided in the table below are intended
    to illustrate the effect of the participation rate on each &#36;10 principal
    amount of notes for the specified final index values, however they do not
    cover the complete range of possible payments at maturity. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-12 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<TABLE width=100% border=0 cellspacing=0 cellpadding=0>
  <TR valign="bottom">
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif"> <FONT size=2 face="serif">Percent
            Return of<br>
      </FONT>Hypothetical<br>
    </FONT>Underlying Index</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Final Index Value</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Principal Amount</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif"> <FONT size=2 face="serif">Supplemental<br>
      </FONT>Redemption<br>
    </FONT>Amount</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif">Payment at Maturity</FONT> </TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD colspan="2" align=center> <FONT size=2 face="serif"> <FONT size=2 face="serif">Percent
          Return on<br>
    </FONT>&#36;10 Note</FONT> </TD>
  </TR>
  <TR valign="bottom">
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align=center nowrap><HR noshade size=1></TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-100%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">0</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;8.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;18.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">80%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-90%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">100</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;7.20</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;17.20</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">72%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-80%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">200</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;6.40</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;16.40</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">64%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-70%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">300</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;5.60</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;15.60</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">56%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-60%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">400</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;4.80</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;14.80</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">48%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-50%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">500</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;4.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;14.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">40%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-40%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">600</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;3.20</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;13.20</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">32%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-30%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">700</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;2.40</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;12.40</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">24%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-20%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">800</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;1.60</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;11.60</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">16%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">-10%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">900</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;0.80</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.80</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">8%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom" bgcolor="e0e0e0">
    <TD width=12% nowrap bgcolor="e0e0e0"> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD  width=7% bgcolor="e0e0e0">&nbsp;</TD>
    <TD  width=3% bgcolor="e0e0e0"><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap bgcolor="e0e0e0"> <FONT size=2 face="serif">1,000</FONT> </TD>
    <TD  width=7% bgcolor="e0e0e0">&nbsp;</TD>
    <TD  width=3% bgcolor="e0e0e0"><font size="2">&nbsp;</font> </TD>
    <TD width=7% bgcolor="e0e0e0"> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7% bgcolor="e0e0e0">&nbsp;</TD>
    <TD  width=3% bgcolor="e0e0e0"><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7% bgcolor="e0e0e0">&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">10%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,100</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">20%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,200</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">30%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,300</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">40%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,400</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">50%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">1,500</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
  <TR align="right" valign="bottom">
    <TD width=12% nowrap> <FONT size=2 face="serif">100%</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=12% nowrap> <FONT size=2 face="serif">2,000</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=7%> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7%>&nbsp;</TD>
    <TD  width=3%><font size="2">&nbsp;</font> </TD>
    <TD width=9% align=right nowrap> <FONT size=2 face="serif">&#36;0.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=14% align=right nowrap> <FONT size=2 face="serif">&#36;10.00</FONT> </TD>
    <TD  width=7% align="right">&nbsp;</TD>
    <TD  width=3% align="right"><font size="2">&nbsp;</font> </TD>
    <TD width=12% align=right nowrap> <FONT size=2 face="serif">0%</FONT> </TD>
    <TD width=7%>&nbsp;</TD>
  </TR>
</TABLE>
<BR>
<P align="left"><FONT size=2 face="serif">(d) </FONT><B><FONT size=2 face="serif">Bear
        notes with multiple determination dates</FONT></B><FONT size=2 face="serif">: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In the
    case of bear notes with multiple determination dates, the supplemental redemption
    amount is based on the final average index value, which equals the arithmetic
    average of the index closing values on the determination dates (four in our
    example below) specified in the applicable pricing supplement. Because the
    index closing values may be subject to significant fluctuations over the
    period covered by the determination dates, it is not possible to present
    a chart or table illustrating the complete range of possible payments at
    maturity. The examples of the hypothetical payment calculations that follow
    are intended to illustrate the effect of general trends in the index closing
    value of the underlying index over such period on the amount payable to you
    at maturity. However, the index closing values may not increase or decrease
    over such period in accordance with any of the trends depicted by the hypothetical
    examples below.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    following four examples illustrate the payment at maturity on the notes for
    a range of hypothetical index closing values in an hypothetical issuance
    with four determination dates and demonstrate the impact of basing the calculation
    of the supplemental redemption amount for the notes on the final average
    index value. </FONT></P>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR valign="bottom">
    <TD align=left width=27% nowrap><font size="2">&nbsp;</font> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <I><FONT size=2 face="serif">Example 1</FONT></I> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <I><FONT size=2 face="serif">Example 2</FONT></I> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <I><FONT size=2 face="serif">Example 3</FONT></I> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <I><FONT size=2 face="serif">Example 4</FONT></I> </TD>
  </TR>
  <TR>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=left width=27% nowrap><font size="2">&nbsp;</font> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">Index Closing
          Value</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">Index Closing
          Value</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">Index Closing
          Value</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">Index Closing
          Value</FONT></B> </TD>
  </TR>
  <TR>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <FONT size=2 face="serif">1</FONT><font size="2"><SUP><FONT face="serif">st </FONT></SUP><FONT face="serif">Determination
          Date</FONT></font> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">950</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,050</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">900</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,050</FONT> </TD>
  </TR>
  <TR>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <FONT size=2 face="serif">2</FONT><font size="2"><SUP><FONT face="serif">nd </FONT></SUP><FONT face="serif">Determination
          Date</FONT></font> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">900</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,100</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">800</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,200</FONT> </TD>
  </TR>
  <TR>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <FONT size=2 face="serif">3</FONT><font size="2"><SUP><FONT face="serif">rd </FONT></SUP><FONT face="serif">Determination
          Date</FONT></font> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">850</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,200</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">750</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <FONT size=2 face="serif">1,150</FONT> </TD>
  </TR>
  <TR>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <FONT size=2 face="serif">Final Determination
        Date</FONT> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">800</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">1,300</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">950</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">900</FONT></B> </TD>
  </TR>
  <TR>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <B><FONT size=2 face="serif">Final Average
          Index Value:</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">875.00</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">1,162.50</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">850.00</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">1,075.00</FONT></B> </TD>
  </TR>
  <TR>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <B><FONT size=2 face="serif">Participation
          Rate:</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">130%</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">130%</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">130%</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">130%</FONT></B> </TD>
  </TR>
  <TR>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <B><FONT size=2 face="serif">Supplemental
          Redemption Amount:</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">&#36;1.63</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">&#36;0.00</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">&#36;1.95</FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD align=center width=15% nowrap> <B><FONT size=2 face="serif">&#36;0.00</FONT></B> </TD>
  </TR>
  <TR>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD><font size="2">&nbsp;</font> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
  <TR valign="bottom">
    <TD align=right width=27% nowrap> <B><FONT size=2 face="serif">Payment at
          maturity on a &#36;10<br>
            <B><FONT size=2 face="serif">investment:</FONT></B></FONT></B> </TD>
    <TD  width=2%><font size="2">&nbsp;</font> </TD>
    <TD width=15% align=center valign="top" nowrap> <B><FONT size=2 face="serif">&#36;11.63</FONT></B> </TD>
    <TD  width=2% valign="top"><font size="2">&nbsp;</font> </TD>
    <TD width=15% align=center valign="top" nowrap> <B><FONT size=2 face="serif">&#36;10.00</FONT></B> </TD>
    <TD  width=2% valign="top"><font size="2">&nbsp;</font> </TD>
    <TD width=15% align=center valign="top" nowrap> <B><FONT size=2 face="serif">&#36;11.95</FONT></B> </TD>
    <TD  width=2% valign="top"><font size="2">&nbsp;</font> </TD>
    <TD width=15% align=center valign="top" nowrap> <B><FONT size=2 face="serif">&#36;10.00</FONT></B> </TD>
  </TR>
  <TR>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
    <TD> </TD>
    <TD>
      <HR noshade size=1>
    </TD>
  </TR>
</TABLE>
<UL>
  <LI> <FONT size=2 face="serif">In Example 1, the index closing value decreases
      on each determination date. Consequently, the final average</FONT> <FONT size=2 face="serif">index
      value of 875 is higher than the index closing value of 800 on the final
      determination date. At maturity,</FONT> <FONT size=2 face="serif">for each
      note the investor receives &#36;11.63, the sum of the principal amount
      of &#36;10 and the supplemental</FONT> <FONT size=2 face="serif">redemption
      amount of &#36;1.63. The return on the notes at maturity represents a 16.3%
      increase above the stated</FONT> <FONT size=2 face="serif">principal amount,
      which is less than if the return on the notes had been measured by the
      simple index return of -</FONT> <FONT size=2
face="serif">20% over the term of the notes.<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">In Example 2, the index closing value increases
      on each determination date. Because the final average index</FONT> <FONT size=2 face="serif">value
      is greater than the initial index value, there is no supplemental redemption
      amount and the investor</FONT> <FONT size=2 face="serif">receives only
      the principal amount of &#36;10.00 for each note at maturity.</FONT></LI>
</UL>
<P align="center"> <FONT size=2 face="serif">S-13 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<UL>
  <LI> <FONT size=2 face="serif">In Example 3, the index closing value declines
      on the first three determination dates to a low of 750 and</FONT> <FONT size=2 face="serif">increases
      on the final determination date. At maturity, the final average index value
      of 850 is less than the</FONT> <FONT size=2 face="serif">index closing
      value of 950 on the final determination date. At maturity, for each note
      the investor receives</FONT> <FONT size=2 face="serif">&#36;11.95, the
      sum of the principal amount of &#36;10.00 and the supplemental redemption
      amount of &#36;1.95. The</FONT> <FONT size=2 face="serif">return on the
      notes at maturity represents a 19.5% increase above the stated principal
      amount, which is more</FONT> <FONT size=2
face="serif">than if the return on the notes had been measured by the simple
      index return of -5% over the term of the notes.<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">In Example 4, the index closing value reaches
      a high of 1,200 on the second determination date and declines on</FONT> <FONT size=2 face="serif">the
      third and fourth determination dates. At maturity, the final average index
      value of 1,075 is higher than the</FONT> <FONT size=2 face="serif">index
      closing value of 900 on the final determination date. Because the final
      average index value is greater than</FONT> <FONT size=2 face="serif">the
      initial index value, there is no supplemental redemption amount, even though
      the index had declined below</FONT> <FONT size=2 face="serif">the initial
      index value on the final determination date. At maturity, the investor
      receives only the principal</FONT> <FONT size=2
face="serif">amount of &#36;10.00 for each note.</FONT></LI>
</UL>
<P align="center"> <FONT size=2 face="serif">S-14 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="center"> <B><FONT size=2 face="serif">RISK FACTORS </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    capital protected notes are not secured debt, are riskier than ordinary debt
    securities and may not pay interest. The payment you receive at maturity
    is linked to the performance of an underlying index or basket of indices,
    however, investing in the notes is not equivalent to investing directly in
    the underlying index or indices. This section describes the most significant
    risks relating to the notes. You should carefully consider whether the notes
    are suited to your particular circumstances before you decide to purchase
    them. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Unlike ordinary senior notes, the
      notes may not pay interest </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    terms of the notes differ from those of ordinary debt securities in that
    we may not pay interest on the notes. Because the supplemental redemption
    amount due at maturity may equal zero, the return on your investment in the
    notes (the effective yield to maturity) may be less than the amount that
    would be paid on an ordinary debt security. The return of only the principal
    amount at maturity will not compensate you for the effects of inflation and
    other factors relating to the value of money over time. Where the notes do
    not pay interest, they have been designed for investors who are willing to
    forgo market floating interest rates on the notes in exchange for a supplemental
    amount based on the percentage increase, if any, of the final index value
    or final average index value, as applicable, over the initial index value.</FONT><B><FONT size=2 face="serif"> </FONT></B></P>
<P align="left"> <B><FONT size=2 face="serif">The notes may not pay more than
      the principal amount at maturity </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">For
    bull notes, if the final index value or final average index value, as applicable,
    is less than or equal to the initial index value, and, for bear notes, if
    the final index value or final average index value, as applicable, is greater
    than or equal to the initial index value, you will receive only the stated
    principal amount for each note you hold at maturity. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Secondary trading may be limited </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">There
    may be little or no secondary market for the notes. Although we may decide
    to apply to list the notes on a stock exchange, we may not meet the requirements
    for listing of that particular stock exchange and do not expect to announce
    whether or not we will meet such requirements prior to the pricing date.
    Even if there is a secondary market, it may not provide significant liquidity.
    MS &amp; Co. currently intends to act as a market maker for the notes but
    is not required to do so. If at any time MS &amp; Co. were to cease acting
    as a market maker, it is likely that there would be significantly less liquidity
    in the secondary market, in which case the price at which you would be able
    to sell your notes would likely be lower than if an active market existed.
    If the notes are not listed on any securities exchange and MS &amp; Co. were
    to cease acting as a market maker, it is likely that there would be no secondary
    market for the notes. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Market price of the notes will
      be influenced by many unpredictable factors </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Several
    factors, many of which are beyond our control, will influence the value of
    the notes in the secondary market and the price at which MS &amp; Co. may
    be willing to purchase or sell the notes in the secondary market, including: </FONT></P>
<UL>
  <LI> <FONT size=2 face="serif">the value of the underlying index or indices
      at any time and on any specified determination date;<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">the volatility (frequency and magnitude of changes
      in value) of the underlying index or indices;<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">interest and yield rates in the market;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">geopolitical conditions and economic, financial,
      political and regulatory or judicial events that affect the</FONT> <FONT size=2 face="serif">stocks
      underlying the underlying index or indices or stock markets generally and
      that may affect the final</FONT> <FONT size=2 face="serif">index value
      or final average index value, as applicable;<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">the time remaining to the maturity of the notes;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">the dividend rate on the stocks underlying the
      index or indices that your notes are linked to; and</FONT></LI>
</UL>
<P align="center"> <FONT size=2 face="serif">S-15 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<UL>
  <LI> <FONT size=2 face="serif">our creditworthiness.</FONT></LI>
</UL>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif"> Some or all of these factors will
    influence the price that you will receive if you sell your notes prior to
    maturity. For example, you may have to sell your notes at a substantial discount
    from the principal amount if at the time of sale or on earlier determination
    dates, if any, in the case of bull notes, the underlying index or basket
    of indices is at, below or not sufficiently above the initial index value
    or, in the case of bear notes, the underlying index or basket of indices
    is at, above or not sufficiently below the initial index value, or if market
    interest rates rise. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif"> You cannot predict the future performance
    of the underlying index or indices based on its or their historical performance.
    We cannot guarantee, for bull notes, that the final index value or final
    average index value, as applicable, will be higher than the initial index
    value and, for bear notes, that the initial index value will be higher than
    the final index value or final average index value, as applicable, so that
    you will receive at maturity an amount in excess of the principal amount
    of the notes. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">The inclusion of commissions and
      projected profit from hedging in the original issue price is likely to
      adversely affect secondary market prices </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Assuming
    no change in market conditions or any other relevant factors, the price,
    if any, at which MS &amp; Co. is willing to purchase notes in secondary market
    transactions will likely be lower than the original issue price, since the
    original issue price included, and secondary market prices are likely to
    exclude, commissions paid with respect to the notes, as well as the projected
    profit included in the cost of hedging our obligations under the notes. In
    addition, any such prices may differ from values determined by pricing models
    used by MS &amp; Co., as a result of dealer discounts, mark-ups or other
    transaction costs. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Changes in the value of one or
      more of the basket indices may offset each other </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">For
    notes where the supplemental redemption amount is based on a basket of two
    or more indices, price movements in the basket indices may not correlate
    with each other. At a time when the value of one or more of the basket indices
    increases, the value of one or more of the other basket indices may not increase
    as much or may even decline in value. Therefore, in calculating the basket
    closing value on any determination date, increases in the value of one or
    more of the basket indices may be moderated, or wholly offset, by lesser
    increases or declines in the value of one or more of the other basket indices.
    You can review the historical prices of each of the basket indices in the
    section called &#147;Historical Information&#148; in the applicable pricing
    supplement. You cannot predict the future performance of any of the basket
    indices or of the basket as a whole, or whether increases in the values of
    any of the basket indices will be offset by decreases in the values of other
    basket indices, based on their historical performance. In addition, there
    can be no assurance that, for bull notes, the final index value or final
    average index value, as applicable, for the basket of indices will be higher
    than the initial index value and, for bear notes, that the final index value
    or final average index value, as applicable, will be lower than the initial
    index value. If the final index value or final average index value, as applicable,
    for a bull note is at or below the initial index value and if the final index
    value or final average index value, as applicable, for a bear note is at
    or above the initial index value, you will receive at maturity only the principal
    amount of the notes. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Investing in the notes is not equivalent
      to investing in the underlying index or indices </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Investing
    in the notes is not equivalent to investing in the underlying index or basket
    of indices or their component stocks. The payment you receive at maturity
    on the notes will be based on the index closing value of the underlying index
    or indices on the specified determination date(s). Where the notes are bull
    notes with more than one determination date, it is possible for the final
    average index value to be lower than the initial index value even if the
    value of the underlying index at maturity is higher than the initial index
    value because a decline in the value of the underlying index or indices on
    any one determination date could more than offset any increase in the value
    of the underlying index or indices on the other determination dates. Where
    the notes are bear notes with more than one determination date, it is possible
    for the final average index value to be higher than the initial index value
    even if the value of the underlying index at maturity is lower than the initial
    index value because an increase in the value of the underlying index or indices
    on any one determination date could more than offset any decline in the value
    of the underlying index or indices on the other determination dates. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-16 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <B><FONT size=2 face="serif">Adjustments to the underlying index
      or indices could adversely affect the value of the notes </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    index publishers are responsible for calculating and maintaining the underlying
    index or indices. The index publishers can add, delete or substitute the
    stocks underlying the underlying index or make other methodological changes
    that could change the value of the underlying index or indices. The index
    publishers may discontinue or suspend calculation or dissemination of the
    underlying index or indices. Any of these actions could adversely affect
    the value of the notes. The index publishers have no obligation to consider
    your interests in calculating or revising the underlying index or indices. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    index publishers may discontinue or suspend calculation or publication of
    the underlying index at any time. In these circumstances, MS &amp; Co., as
    the Calculation Agent, will have the sole discretion to substitute a successor
    index that is comparable to the discontinued underlying index or indices.
    MS &amp; Co. could have an economic interest that is different than that
    of investors in the notes insofar as, for example, MS &amp; Co. is not precluded
    from considering indices that are calculated and published by MS &amp; Co.
    or any of its affiliates. If MS &amp; Co. determines that there is no appropriate
    successor index, at maturity the payment on the notes will be an amount based
    on the closing prices of the stocks underlying the underlying index at the
    time of such discontinuance, without rebalancing or substitution, computed
    by the Calculation Agent in accordance with the formula for calculating the
    underlying index last in effect prior to discontinuance of the underlying
    index. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">You have no shareholder rights </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">As an
    investor in the notes, you will not have voting rights to receive dividends
    or other distributions or any other rights with respect to the stocks that
    underlie the underlying index or indices. The prices of securities in countries
    other than the United States that may underlie certain indices may be affected
    by political, economic, financial and social factors in such jurisdictions,
    including changes in a country&#146;s government, economic and fiscal policies
    and currency exchange laws. Moreover, the economies in such countries may
    differ favorably or unfavorably from the economy in the United States in
    such respects as growth of gross national product, rate of inflation, capital
    reinvestment, resources and self-sufficiency. Such countries may be subjected
    to different and, in some cases, more adverse economic environments. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">There are risks associated with
      investments in securities indexed to the value of foreign equity securities </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Investments
    in securities indexed to the value of foreign equity securities involve risks
    associated with the foreign securities market, including volatility, governmental
    intervention and cross-shareholdings among companies in the foreign index.
    Also, there is generally less publicly available information about foreign
    companies than about U.S. companies that are subject to the reporting requirements
    of the United States Securities and Exchange Commission, and foreign companies
    are subject to accounting, auditing and financial reporting standards and
    requirements different from those applicable to U.S. reporting companies. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Notes linked to the MSCI EAFE Index
      are subject to currency exchange risk </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Because
    the prices of the component securities are converted into U.S. dollars for
    purposes of calculating the value of the component country indices and the
    MSCI EAFE Index, holders of the notes will be exposed to currency exchange
    rate risk with respect to each of the countries represented in the MSCI EAFE
    Index. An investor&#146;s net exposure will depend on the extent to which
    the currencies of the component country indices strengthen or weaken against
    the U.S. dollar and the relative weight of each component country index.
    If, taking into account such weighting, the dollar strengthens against the
    component currencies, the value of the MSCI EAFE Index will be adversely
    affected and the payment at maturity of the notes may be reduced.</FONT></P>
<P align="left"> <FONT size=2 face="serif">Of particular importance to potential
    currency exchange risk are: </FONT></P>
<table width="100%" border="0" cellspacing="0" cellpadding="0">
  <tr align="left" valign="top">
    <td width="5%"><li></li></td>
    <td width="95%"><font size=2 face="serif">existing and expected rates of
    inflation</font></td>
  </tr>
  <tr align="left" valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr align="left" valign="top">
    <td><LI></LI></td>
    <td><font size=2 face="serif">existing and expected interest rate levels</font></td>
  </tr>
  <tr align="left" valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr align="left" valign="top">
    <td><Li></Li></td>
    <td><font size=2 face="serif">the balance of payments</font></td>
  </tr>
  <tr align="left" valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr align="left" valign="top">
    <td width="5%"><LI></LI></td>
    <td width="95%"><font size=2 face="serif">the extent of governmental surpluses
    or deficits in the component countries and the United States of America</font></td>
  </tr>
</table>
<P align="left">&nbsp;</P>
<P align="center"> <FONT size=2 face="serif">S-17 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">All
    of these factors are in turn sensitive to the monetary, fiscal and trade
    policies pursued by the governments of various component countries and the
    United States and other countries important to international trade and finance. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">The economic interests of the Calculation
      Agent and other of our affiliates are potentially adverse to your interests</FONT></B><FONT size=2 face="serif"> </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    economic interests of the Calculation Agent and other of our affiliates are
    potentially adverse to your interests as an investor in the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">As Calculation
    Agent, MS &amp; Co. will determine the initial index value and the final
    index value or final average index value, as applicable, and calculate the
    supplemental redemption amount, if any, you will receive at maturity. Determinations
    made by MS &amp; Co., in its capacity as Calculation Agent, including with
    respect to the occurrence or non occurrence of market disruption events and
    the selection of a successor index or calculation of any index closing value
    in the event of a discontinuance of the underlying index or any basket index,
    may affect the payment to you at maturity. See the definition of market disruption
    event under &#147;Description of Notes&#151;General Terms of the Notes&#151;Some
    Definitions&#148; and the discussion under &#147;Description of Notes &#151;Discontinuance
    of Any Underlying Index; Alteration of Method of Calculation.&#148; </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    original issue price of the notes includes the agent&#146;s commissions and
    certain costs of hedging our obligations under the notes. The subsidiaries
    through which we hedge our obligations under the notes expect to make a profit.
    Since hedging our obligations entails risk and may be influenced by market
    forces beyond our or our subsidiaries&#146; control, such hedging may result
    in a profit that is more or less than initially projected. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Hedging and trading activity by
      the Calculation Agent and its affiliates could potentially adversely affect
      the value of the notes </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">MS &amp; Co.
    and other affiliates of ours will carry out hedging activities related to
    the notes (and possibly to other instruments linked to the underlying index
    or indices or their component stocks), including trading in the stocks that
    constitute the underlying index or indices as well as in other instruments
    related to the underlying index or indices or their underlying stocks. MS &amp; Co.
    and some of our other subsidiaries also trade the stocks that constitute
    the underlying index or indices and other financial instruments related to
    the underlying index or indices and the underlying stocks on a regular basis
    as part of their general broker-dealer and other businesses. Any of these
    hedging or trading activities on or prior to the index setting date could
    potentially affect the initial index value and, as a result, could increase
    for bull notes or decrease for bear notes the value at which the underlying
    index or indices must close on any determination date before you receive
    a payment at maturity that exceeds the principal amount on the notes. Additionally,
    such hedging or trading activities during the term of the notes, including
    on any determination date(s), could adversely affect the value of the underlying
    index or indices on any determination date(s) and, accordingly, the amount
    of cash you will receive at maturity. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">The notes will be treated as contingent
      payment debt instruments for U.S. federal income tax purposes </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">You
    should also consider the tax consequences of investing in the notes. The
    notes will be treated as &#147;contingent payment debt instruments&#148; for
    U.S. federal income tax purposes, as described in the section of this prospectus
    supplement called &#147;United States Federal Taxation.&#148; Under this
    treatment, if you are a U.S. taxable investor, you will generally be subject
    to annual income tax based on the comparable yield (as defined in this prospectus
    supplement) of the notes even though you may not receive any stated interest
    on the notes. In addition, any gain recognized by U.S. taxable investors
    on the sale or exchange, or at maturity, of the notes generally will be treated
    as ordinary income. Please read carefully the sections called &#147;United
    States Federal Taxation&#148; in this prospectus supplement and &#147;United
    States Federal Taxation&#148; in the accompanying prospectus. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">If
      you are a non-U.S. investor, please also read the section of this prospectus
      supplement called &#147;United States Federal Taxation.&#148; </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">You
      are urged to consult your own tax advisors regarding all aspects of the
      U.S. federal income tax consequences of investing in the notes as well
      as any tax consequences arising under the laws of any state, local or foreign
      taxing jurisdiction. </FONT></B></P>
<P align="center"> <FONT size=2 face="serif">S-18 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="center"> <B><FONT size=2 face="serif">DESCRIPTION OF CAPITAL PROTECTED
      NOTES </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Investors
    should carefully read the general terms and provisions of our debt securities
    in &#147;Description of Debt Securities&#148; in the prospectus. This section
    supplements that description. </FONT><B><FONT size=2 face="serif">The pricing
    supplement will specify the particular terms for each issuance of notes,
    and may supplement, modify or replace any of the information in this section
    and in &#147;Description of Debt Securities&#148; in the prospectus. </FONT></B><FONT size=2 face="serif">References
    in this prospectus supplement to a note shall refer to the stated principal
    amount specified as the denomination for that issuance of notes in the applicable
    pricing supplement. </FONT></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT size=2 face="serif">The following terms used in this section
    are defined in the indicated sections of the accompanying prospectus: </FONT></P>
<UL>
  <LI> <FONT size=2 face="serif">Senior Debt Indenture (&#147;Description of
      Debt Securities &#151; Indentures&#148;)</FONT></LI>
  <LI> <FONT size=2 face="serif">senior indebtedness (&#147;Description of Debt
      Securities &#151; Subordination Provisions&#148;)</FONT></LI>
</UL>
<P align="left"> <B><FONT size=2 face="serif">General Terms of the Notes </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">We will
    issue the notes as part of our Series F medium-term notes under the Senior
    Debt Indenture. The Series F medium-term notes issued under the Senior Debt
    Indenture, together with our senior Series G and Series H global medium-term
    notes, referred to below under &#147;Plan of Distribution,&#148; will constitute
    a single series under the Senior Debt Indenture, together with any other
    obligations we issue in the future under the Senior Debt Indenture that we
    designate as being part of that series. The Senior Debt Indenture does not
    limit the amount of additional indebtedness that we may incur. We may, without
    your consent, create and issue additional notes with the same terms as previous
    issuances of notes, so that the additional notes will be considered as part
    of the same issuance as the earlier notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Ranking</FONT></I><FONT size=2 face="serif">.
    Notes issued under the Senior Debt Indenture will rank on a parity with all
    of our other senior indebtedness and with all of our other unsecured and
    unsubordinated indebtedness, subject to statutory exceptions in the event
    of liquidation upon insolvency. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Terms
      Specified in Pricing Supplements. </FONT></I><FONT size=2 face="serif">A
      pricing supplement will specify the following terms of any issuance of
      our notes to the extent applicable: </FONT></P>
<UL>
  <LI> <FONT size=2 face="serif">the issue price (price to public);<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">the stated principal amount per note;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">the aggregate principal amount;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">the denominations or minimum denominations;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">whether the notes are bull notes or bear notes;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">the original issue date;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">the stated maturity date and any terms related
      to any extension of the maturity date not otherwise set forth</FONT> <FONT size=2 face="serif">in
      this prospectus supplement;<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">the terms, if any, on which we may call the
      notes, including the initial call date and the call prices;<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">whether the notes are fixed rate notes, floating
      rate notes, notes with original issue discount and/or</FONT> <FONT size=2 face="serif">amortizing
      notes;<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">the rate per year at which the notes will pay
      interest, if any, or the method of calculating that rate and the</FONT> <FONT size=2 face="serif">interest
      payment dates on which interest will be payable;<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">the underlying index or basket of indices, and
      if the basket of indices applies, the applicable multiplier for</FONT> <FONT size=2 face="serif">each
      basket index;</FONT></LI>
</UL>
<P align="center"> <FONT size=2 face="serif">S-19 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<UL>
  <LI> <FONT size=2 face="serif">the value of the underlying index or basket
      of indices on the index setting date or basket setting date;<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">the participation rate to be used to calculate
      the supplemental redemption amount;<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">the stock exchange, if any, on which the notes
      may be listed;<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">the applicable ERISA treatment for the notes;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">if any note is not denominated and payable in
      U.S. dollars, the currency or currencies in which the</FONT> <FONT size=2 face="serif">principal,
      premium, if any, and interest, if any, will be paid, which we refer to
      as the &#147;specified currency,&#148;</FONT> <FONT size=2 face="serif">along
      with any other terms relating to the non-U.S. dollar denomination, including
      historical exchange rates</FONT> <FONT size=2 face="serif">as against the
      U.S. dollar;<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">if the notes are in book-entry form, whether
      the notes will be offered on a global basis to investors through</FONT> <FONT size=2 face="serif">Euroclear
      and Clearstream, Luxembourg as well as through the Depositary (each as
      defined below); and<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">any other terms on which we will issue the notes.</FONT></LI>
</UL>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Some
      Definitions. </FONT></I><FONT size=2 face="serif">We have defined some
      of the terms that we use frequently in this prospectus supplement below: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">Bloomberg
      page</FONT></B><FONT size=2 face="serif">&#148; means the display page
      so designated by Bloomberg Financial Markets (&#147;Bloomberg&#148;) or
      any other display page that may replace that display page on Bloomberg
      and any successor service thereto. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">basket
      closing value</FONT></B><FONT size=2 face="serif">&#148; on any date is
      the sum of the products of the index closing value of each of the basket
      indices</FONT><I><FONT size=2 face="serif"> </FONT></I><FONT size=2 face="serif">and
      the applicable multiplier for each of the basket indices. The index closing
      values and the multipliers for each of the basket indices will be specified
      in the applicable final pricing supplement and will be calculated on the
      basket setting date. In certain circumstances, the basket closing value
      will be based on the alternate calculation of the basket indices described
      under &#147;&#151;Discontinuance of Any Underlying Index; Alteration of
      Method of Calculation.&#148; </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">&#147;basket
      index</FONT></B><FONT size=2 face="serif">&#148; means a component index
      of the underlying basket of indices for any notes linked to a basket of
      indices. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">basket
      setting date</FONT></B><FONT size=2 face="serif">&#148; will be the pricing
      date, unless otherwise specified in the applicable pricing supplement.
      If the basket setting date specified in the applicable pricing supplement
      for determining the index closing value of any basket index is a date other
      than the pricing date, and such basket setting date is not an index business
      day with respect to such basket index or there is a market disruption event
      on such day, then the basket setting date for that basket index will be
      postponed to the next succeeding index business day with respect to such
      basket index on which there is no market disruption event. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">bear
      notes</FONT></B><FONT size=2 face="serif">&#148; means issuances of notes
      that are based on the decrease of the value of an index or basket of indices. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">bull
      notes</FONT></B><FONT size=2 face="serif">&#148; means issuances of notes
      that are based on the increase of the value of an index or basket of indices. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">business
      day</FONT></B><FONT size=2 face="serif">&#148; means any day, other than
      a Saturday or Sunday, (i) that is neither a legal holiday nor a day on
      which banking institutions are authorized or required by law or regulation
      to close (a) in The City of New York or (b) for notes denominated in a
      specified currency other than U.S. dollars, euro or Australian dollars,
      in the principal financial center of the country of the specified currency
      or (c) for notes denominated in Australian dollars, in Sydney, and (ii)
      for notes denominated in euro, a day that is also a TARGET Settlement Day. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">call
      date</FONT></B><FONT size=2 face="serif">&#148; for each issuance of notes
      that are subject to our call right will be the scheduled trading day on
      or after the initial call date that is specified by us in our notice of
      exchange as the date on which we will deliver cash to holders of the notes
      called for exchange. The initial call date will be specified in the applicable
      pricing supplement.</FONT></P>
<P align="center"> <FONT size=2 face="serif">S-20 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">We may specify any scheduled trading
    day on or after the initial call date or the maturity date (whether or not
    it is a scheduled trading day) as the call date, unless otherwise specified
    in the applicable pricing supplement. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">call
      notice date</FONT></B><FONT size=2 face="serif">&#148; will be the scheduled
      trading day on which we issue our call notice, which must be at least 10
      but not more than 30 calendar days prior to the call date for such notes
      (the &#147;</FONT><B><FONT size=2 face="serif">redemption notice period</FONT></B><FONT size=2 face="serif">&#148;),
      unless a different redemption notice period is specified in the applicable
      pricing supplement.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">call
      price</FONT></B><FONT size=2 face="serif">&#148; or &#147;</FONT><B><FONT size=2 face="serif">call
      prices</FONT></B><FONT size=2
face="serif">&#148; with respect to each issuance of notes that are subject to
      a our call right on any day during the term of such notes or a formula
      by which the call price(s) may be determined will be specified in the applicable
      pricing supplement. </FONT></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">Clearstream,
      Luxembourg</FONT></B><FONT size=2 face="serif">&#148; means Clearstream
      Banking, </FONT><I><FONT size=2 face="serif">soci&eacute;t&eacute; anonyme</FONT></I><FONT
size=2 face="serif">. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">Depositary</FONT></B><FONT size=2 face="serif">&#148; or &#147;</FONT><B><FONT size=2 face="serif">DTC</FONT></B><FONT size=2 face="serif">&#148; means
    The Depository Trust Company, New York, New York. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">determination
      date</FONT></B><FONT size=2 face="serif">&#148; or &#147;</FONT><B><FONT size=2 face="serif">determination
      dates</FONT></B><FONT size=2
face="serif">&#148; with respect to an issuance of notes will be specified in
      the applicable pricing supplement. If there is only one determination date,
      the final index value will be determined on that determination date. If
      there are multiple determination dates, then the final average index value
      will be determined on the last determination date, which we refer to as
      the &#147;</FONT><B><FONT size=2 face="serif">final determination date</FONT></B><FONT size=2 face="serif">.&#148; </FONT></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">Euroclear
      operator</FONT></B><FONT size=2 face="serif">&#148; means Euroclear Bank
      S.A./N.V., as operator of the Euroclear System. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">final
      index value</FONT></B><FONT size=2 face="serif">&#148; with respect to
      an issuance of notes will be determined as follows: </FONT></P>
<UL>
  <LI> <I><FONT size=2 face="serif">for notes linked to a single index (and with
        a single determination date)</FONT></I><FONT size=2 face="serif">: the
        final index value will</FONT> <FONT size=2 face="serif">be the index
        closing value on the determination date, unless otherwise specified in
        the applicable</FONT> <FONT size=2 face="serif">pricing supplement;<br>
        <br>
        </FONT></LI>
  <LI> <I><FONT size=2 face="serif">for notes linked to a basket of indices (and
        with a single determination date)</FONT></I><FONT size=2 face="serif">:
        the final index value</FONT> <FONT size=2 face="serif">for the basket
        of indices will be the basket closing value on the determination date,
        unless</FONT> <FONT size=2 face="serif">otherwise specified in the applicable
        pricing supplement; and<br>
        <br>
        </FONT></LI>
  <LI> <I><FONT size=2 face="serif">for notes with multiple determination dates</FONT></I><FONT size=2 face="serif">:
      the arithmetic average of the index closing values or</FONT> <FONT size=2 face="serif">basket
      closing values, as applicable, of the underlying index or basket indices
      on the determination</FONT> <FONT size=2 face="serif">dates as calculated
      by the Calculation Agent, which we refer to as the &#147;</FONT><B><FONT size=2 face="serif">final
      average index</FONT></B> <B><FONT size=2
face="serif">value</FONT></B><FONT size=2 face="serif">.&#148;</FONT></LI>
</UL>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">index
      business day</FONT></B><FONT size=2 face="serif">&#148; </FONT><font size="2" face="Times New Roman, Times, serif">means
      a day, for an underlying index or each basket index separately, as determined
      by the Calculation Agent, on which trading is generally conducted on each
      of the relevant exchange(s) for such underlying index or basket index, other
      than a day on which trading on such exchange(s) is scheduled to close prior
      to the time of the posting of its regular final weekday closing price. </font></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">index
      closing value</FONT></B><FONT size=2 face="serif">&#148; means, on any
      index business day for the relevant underlying index or a basket
      index, as applicable, the closing value of the underlying index or basket
      index, or any successor index (as defined under &#147;&#151;Discontinuance
      of Any Underlying Index; Alteration of Method of Calculation&#148; below)
      published at the regular weekday close of trading on that index business
      day in the price source specified in the applicable pricing supplement.
      In certain circumstances, the index closing value will be based on the
      alternate calculation of the underlying index or basket index as described
      under &#147;&#151;Discontinuance of Any Underlying Index; Alteration of
      Method of Calculation.&#148; </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">index
      setting date</FONT></B><FONT size=2 face="serif">&#148; will be the pricing
      date, unless otherwise specified in the applicable pricing supplement.
      If the index setting date specified in the applicable pricing supplement
      for determining the index closing value of the underlying index is a date
      other than the pricing date, and such index setting date is not an index
      business day or there is a market disruption event on such day, such index
      setting date will be postponed to the next succeeding index business day
      on which there is no market disruption event. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-21 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">initial
      index value</FONT></B><FONT size=2 face="serif">&#148; with respect to
      an issuance of notes will be determined as follows: </FONT></P>
<UL>
  <LI> <I><FONT size=2 face="serif">for notes linked to a single index</FONT></I><FONT size=2 face="serif">:
      the initial index value will be the index closing value of the</FONT> <FONT size=2 face="serif">underlying
      index on the index setting date, as specified in the applicable pricing
      supplement; and</FONT></LI>
</UL>
<UL>
  <LI> <I><FONT size=2 face="serif">for notes linked to a basket of indices</FONT></I><FONT size=2 face="serif">:
      the initial index value for the basket of indices will equal a</FONT> <FONT size=2 face="serif">predetermined
      basket value specified in the applicable pricing supplement.</FONT></LI>
</UL>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">interest
      payment date</FONT></B><FONT size=2 face="serif">&#148; for any note means
      a date on which, under the terms of that note, regularly scheduled interest
      is payable. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">issue
      price</FONT></B><FONT size=2 face="serif">&#148; means the amount per note
      specified in the applicable pricing supplement and will equal the principal
      amount of each note, unless otherwise specified. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">market
      disruption event</FONT></B><FONT size=2 face="serif">&#148; means, with
      respect to the underlying index or any basket index, the occurrence or
      existence of any of the following events, as determined by the Calculation
      Agent in its sole discretion: </FONT></P>
<TABLE border=0 cellspacing=0 cellpadding=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(i)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=90%> <FONT size=2 face="serif">(a) a suspension, absence
        or material limitation of trading of stocks then constituting 20 percent
        or more of the value of the underlying index or basket index (or the
        successor index) on the relevant exchanges for such securities for more
        than two hours of trading or during the one-half hour period preceding
        the close of the principal trading session on such relevant exchange;
        or</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=3>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="90%" valign=top> <FONT size=2 face="serif">(b)</FONT> <FONT size=2 face="serif">a
        breakdown or failure in the price and trade reporting systems of any
        relevant exchange as a result of</FONT>  <FONT size=2 face="serif">which
        the reported trading prices for stocks then constituting 20 percent or
        more of the value of the underlying index or basket index or (or the
        successor index) during the last one-half hour preceding the close of
        the principal trading session on such relevant exchange are materially
        inaccurate; or</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=3>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="90%" valign=top> <FONT size=2 face="serif">(c)</FONT> <FONT size=2 face="serif">the
        suspension, material limitation or absence of trading on any major U.S.
        securities market for</FONT>  <FONT size=2 face="serif">trading
    in futures or options contracts or exchange traded funds related to the underlying
    index or basket index (or the successor index) for more than two hours of
    trading or during the one-half hour period preceding the close of the principal
    trading session on such market; and</FONT> </TD>
  </TR>
</TABLE>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(ii)
    a determination by the Calculation Agent in its sole discretion that any
    event described in clause (i) above materially interfered with our ability
    or the ability of any of our affiliates to unwind or adjust all or a material
    portion of the hedge with respect to the applicable issuance of notes; </FONT><I><FONT size=2 face="serif">provided</FONT></I><FONT size=2 face="serif"> that
    clause (ii) shall not apply to issuances of capital protected notes that
    are listed on a securities exchange, unless otherwise indicated in the applicable
    pricing supplement. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">For
    the purpose of determining whether a market disruption event exists at any
    time, if trading in a security included in the underlying index or any basket
    index is materially suspended or materially limited at that time, then the
    relevant percentage contribution of that security to the value of the underlying
    index or basket index shall be based on a comparison of (x) the portion of
    the value of the underlying index or basket index attributable to that security
    relative to (y) the overall value of the underlying index or basket index,
    in each case immediately before that suspension or limitation. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">For
    the purpose of determining whether a market disruption event has occurred:
    (1) a limitation on the hours or number of days of trading will not constitute
    a market disruption event if it results from an announced change in the regular
    business hours of the relevant exchange or market, (2) a decision to permanently
    discontinue trading in the relevant futures or options contract or exchange
    traded fund will not constitute a market disruption event, (3) limitations
    pursuant to the rules of any relevant exchange similar to New York Stock
    Exchange LLC (&#147;NYSE&#148;) Rule 80A (or any applicable rule or regulation
    enacted or promulgated by any other self-regulatory organization or any government
    agency of scope similar to NYSE Rule 80A as determined by the Calculation
    Agent) on trading during significant market fluctuations will constitute
    a suspension, absence or material limitation of trading, (4) a suspension
    of trading in futures or options contracts or exchange traded funds on an
    underlying index or any basket index by the primary securities market trading
    in such contracts or funds by reason of (a) a price change exceeding limits
    set by such securities exchange or market, (b) an imbalance of orders relating
    to such contracts or funds, or (c) a disparity in bid and ask quotes relating
    to such contracts or funds will constitute a suspension, absence or material</FONT></P>
<P align="center"> <FONT size=2 face="serif">S-22 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<FONT size=2 face="serif"> limitation of trading in futures or options contracts
or exchange traded funds related to the underlying index or basket index and
(5) a &#147;suspension, absence or material limitation of trading&#148; on any
relevant exchange or on the primary market on which futures or options contracts
or exchange traded funds related to the underlying index or any basket index
are traded will not include any time when such securities market is itself closed
for trading under ordinary circumstances. </FONT><br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">maturity
      date</FONT></B><FONT size=2 face="serif">&#148; means the date specified
      in the applicable pricing supplement, subject to extension if the scheduled
      determination date or final determination date, as applicable, is postponed
      in accordance with the definition thereof. If the determination date or
      final determination date, as applicable, is postponed so that it falls
      less than two scheduled trading days prior to the scheduled maturity
      date, the maturity date will be the second scheduled trading day
      following the determination date or final determination date, as applicable,
      as postponed. See the definition of determination date above. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">multiplier</FONT></B><FONT size=2 face="serif">&#148; means,
    for notes linked to a basket of indices, the fractional value of each basket
    index so that each basket index will represent its applicable weighting in
    the predetermined initial index value. The multiplier for each basket index
    will remain constant for the term of the notes. The multipliers will be calculated
    by the Calculation Agent and will be specified in the applicable pricing
    supplement. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">original
      issue date</FONT></B><FONT size=2 face="serif">&#148; means the date specified
      in the applicable pricing supplement on which a particular issuance of
      capital protected notes will be issued. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">participation
      rate</FONT></B><FONT size=2 face="serif">&#148; for an issuance of notes
      will be 100%, unless otherwise specified in the applicable pricing supplement,
      and will be used to calculate the supplemental redemption amount for such
      issuance of notes. The participation rate indicates the extent to which
      you will participate in any change in the value of the underlying index
      or basket of indices. If the participation rate is less than 100%, you
      will participate in less than the full change in value. If the participation
      rate is greater than 100%, you will participate in the change in value
      of the underlying index or basket of indices on a leveraged basis. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">payment
      at maturity</FONT></B><FONT size=2 face="serif">&#148; means the payment
      due at maturity with respect to each note, as described under &#147;Payment
      at Maturity&#148; below. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">price
      source</FONT></B><FONT size=2 face="serif">&#148; means the display page,
      or any successor page, specified in the applicable pricing supplement (</FONT><I><FONT size=2 face="serif">e.g.,</FONT></I><FONT size=2 face="serif"> Bloomberg
      or Reuters), which will be used by the Calculation Agent to determine the
      index closing value of the underlying index and, if applicable, the basket
      closing value of the underlying basket of indices. If such service or any
      successor service no longer displays the index closing value of the underlying
      index or any basket index, then the Calculation Agent shall designate an
      alternate source of such index closing value, which shall be the publisher
      of such index, unless the Calculation Agent, in its sole discretion, determines
      that an alternate service has become the market standard for transactions
      related to such index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">pricing
      date</FONT></B><FONT size=2 face="serif">&#148; means the day when we price
      the notes for initial sale to the public. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">record
      date</FONT></B><FONT size=2 face="serif">&#148; for any interest payment
      date, if applicable, including the maturity date, is the date 15 calendar
      days prior to that interest payment date, whether or not that date is a
      business day. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">relevant
      exchange</FONT></B><FONT size=2 face="serif">&#148; means, with respect
      to an underlying index or cash basket index separately, the primary exchange(s)
      or market(s) of trading for (i) any security then included in such  underlying
      index or basket index, or any successor index, and (ii) any
      futures or options contracts related to such underlying index or basket
      index or to any security then included in such underlying index or basket
      index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">Reuters
      page</FONT></B><FONT size=2 face="serif">&#148; means the display page
      so designated by Reuters Monitor Money Rates Service (&#147;Reuters&#148;)
      or any other display page that may replace that display page on Reuters
      and any successor service thereto.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">stated
      principal amount</FONT></B><FONT size=2 face="serif">&#148; for an issuance
      of capital protected notes shall be the principal amount per note payable
      at maturity, as specified in the applicable pricing supplement. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">TARGET
      Settlement Day</FONT></B><FONT size=2 face="serif">&#148; means any day
      on which the Trans-European Automated Real-time Gross Settlement Express
      Transfer System is open. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-23 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">trading
      day</FONT></B><FONT size=2 face="serif">&#148; means a day, as determined
      by the Calculation Agent, on which trading is generally conducted on the
      NYSE, the American Stock Exchange LLC (&#147;AMEX&#148;), The NASDAQ Stock
      Market LLC, the Chicago Mercantile Exchange and the Chicago Board of Options
      Exchange and in the over-the-counter market for equity securities in the
      United States. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">underlying
      index</FONT></B><FONT size=2 face="serif">&#148; or &#147;</FONT><B><FONT size=2 face="serif">underlying
      indices</FONT></B><FONT size=2
face="serif">&#148; means the index or indices specified in the applicable pricing
      supplement, the performance of which underlies the notes. </FONT></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">underlying
      index publisher</FONT></B><FONT size=2 face="serif">&#148; means the publisher
      of the applicable underlying index or basket index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">weighting</FONT></B><FONT size=2 face="serif">&#148; of
    a basket index in a basket of indices represents the percentage of the whole
    basket initially assigned to such basket index. The weightings will be specified
    in the applicable pricing supplement. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">References
    in this prospectus supplement to &#147;</FONT><B><FONT size=2 face="serif">U.S.
    dollars</FONT></B><FONT size=2 face="serif">&#148; or &#147;</FONT><B><FONT size=2
face="serif">U.S.&#36;</FONT></B><FONT size=2 face="serif">&#148; or &#147;</FONT><B><FONT size=2 face="serif">&#36;</FONT></B><FONT size=2 face="serif">&#148; are
    to the currency of the United States of America. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In this &#147;Description
    of Capital Protected Notes,&#148; references to the underlying index or a
    basket index will include the index or indices specified in the applicable
    pricing supplement and any successor index or indices, unless the context
    requires otherwise. </FONT></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT size=2 face="serif">Other terms of the capital protected
    notes are described in the following paragraphs. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Payment at Maturity </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">With
    respect to an issuance of capital protected notes linked to an index or a
    basket of indices, on the applicable maturity date, you will receive per
    note the stated principal amount of such note, </FONT><I><FONT size=2 face="serif">plus</FONT></I><FONT size=2 face="serif"> the
    supplemental redemption amount applicable to such notes, as determined below.
    We refer to this payment as the &#147;</FONT><B><FONT size=2 face="serif">payment
    at maturity</FONT></B><FONT size=2 face="serif">.&#148; </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Unless
    otherwise specified in the applicable pricing supplement for an issuance
    of notes, the level of principal protection, or &#147;</FONT><B><FONT size=2 face="serif">principal
    protection level</FONT></B><FONT size=2 face="serif">,&#148; is 100%. The
    supplement redemption amount may not be less than zero, even if the underlying
    index or basket of indices, for an issuance of bull notes, decreases in value
    between the date or dates on which the initial index value is determined
    and the date or dates on which the final index value or final average index
    value, as applicable, is determined, or, for an issuance of bear notes, increases
    in value over the same period. At maturity, subject to our right to call
    the notes earlier if so provided in the applicable pricing supplement, the
    amount you will receive for each 100% principal protected note will be no
    less than the stated principal amount of that note. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">We shall,
    or shall cause the Calculation Agent to, (i) provide written notice to the
    Trustee and to The Depository Trust Company, which we refer to as DTC, of
    the amount of cash to be delivered with respect to the stated principal amount
    of each note, on or prior to 10:30 a.m. on the trading day preceding the
    maturity date (but if such trading day is not a business day, prior to the
    close of business on the business day preceding the maturity date), and (ii)
    deliver the aggregate cash amount due with respect to the notes to the Trustee
    for delivery to DTC, as holder of the notes, on the maturity date. We expect
    such amount of cash will be distributed to investors on the maturity date
    in accordance with the standard rules and procedures of DTC and its direct
    and indirect participants. See &#147;&#151;Forms of Notes&#151;Book-entry
    notes&#148; or &#147;&#151;Forms of Notes&#151;Certificated notes&#148; below,
    and see &#147;The Depositary&#148; in the accompanying prospectus. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Supplemental Redemption Amount </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The &#147;</FONT><B><FONT size=2 face="serif">supplemental
      redemption amount</FONT></B><FONT size=2 face="serif">&#148; at maturity
      for an issuance of notes will be determined on a per note basis and will
      be equal to (i) the stated principal amount for such notes </FONT><I><FONT size=2 face="serif">times</FONT></I><FONT size=2 face="serif"> (ii)
      the applicable participation rate </FONT><I><FONT size=2 face="serif">times</FONT></I><FONT
size=2 face="serif"> (iii) the applicable index percent change, each as specified
      in the applicable pricing supplement. Unless otherwise stated in the pricing
      supplement, the supplemental redemption amount per note will be calculated
      as follows: </FONT></P>
<div align="center"><img src="p24.jpg" width="548" height="34"></div>
<P align="center"> <FONT size=2 face="serif">S-24 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left">  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Calculation Agent will calculate the supplemental redemption amount for each
    issuance of notes on the determination date, or, in case of multiple determination
    dates, on the last of the determination dates. With respect to each issuance
    of notes, we will, or will cause the Calculation Agent to provide written
    notice to the Trustee at its New York office, on which notice the Trustee
    may conclusively rely, and to the Depositary of the applicable </FONT><FONT size=2 face="serif">supplemental redemption amount and
    the applicable maturity redemption amount, on or prior to 10:30 a.m. on the
    trading day preceding the maturity date (but if such trading day is not a
    business day, prior to the close of business on the business day preceding
    the maturity date) for such issuance of notes. See &#147;Discontinuance of
    Any Underlying Index; Alteration of Method of Calculation&#148; below. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;</FONT><B><FONT size=2 face="serif">index
      percent change</FONT></B><FONT size=2 face="serif">&#148; with respect
      to each issuance of notes is a fraction, the denominator of which will
      be the initial index value of the underlying index or basket of indices
      and: </FONT></P>
<UL>
  <LI> <I><FONT size=2 face="serif">for an issuance of bull notes</FONT></I><FONT size=2 face="serif">:
      the numerator will be the final index value of the applicable</FONT> <FONT size=2 face="serif">underlying
      index or basket of indices </FONT><I><FONT
size=2 face="serif">less </FONT></I><FONT size=2 face="serif">the initial index
      value of such underlying index or basket</FONT> <FONT size=2 face="serif">of
      indices. The index percent change for the underlying index or basket of
      indices is described by</FONT> <FONT size=2 face="serif">the following
      formula:</FONT></LI>
</UL>
<P align="center"> <U><FONT size=2 face="serif">(final index value &#150; initial
      index value)<br>
</FONT></U><FONT size=2 face="serif">initial index value </FONT></P>
<UL>
  <LI> <I><FONT size=2 face="serif">for an issuance of bear notes</FONT></I><FONT size=2 face="serif">:
      the numerator will be the initial index value of the applicable</FONT> <FONT size=2 face="serif">underlying
      index or basket of indices </FONT><I><FONT
size=2 face="serif">less </FONT></I><FONT size=2 face="serif">the final index
      value of the underlying index or basket of</FONT> <FONT size=2 face="serif">indices.
      The index percent change for the underlying index or basket of indices
      is described in the</FONT> <FONT size=2 face="serif">following formula:</FONT></LI>
</UL>
<P align="center"> <U><FONT size=2 face="serif">(initial index value &#150; final
      index value)<br>
</FONT></U><FONT size=2 face="serif">initial index value </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Calculation Agent will take into account market disruption events and non-index
    business days in any calculation of a final index value or final average
    index value, respectively, as follows: </FONT></P>
<blockquote>
  <p align="left"> <I><FONT size=2 face="serif">For issuances of notes linked to
          a single index</FONT></I><FONT size=2 face="serif">: If a market disruption
          event with respect to the underlying index occurs on any scheduled determination
          date, or if any such determination date is not an index business day, the
          index closing value for such date will be determined on the immediately
          succeeding index business day on which no market disruption event shall
          have occurred; </FONT><I><FONT size=2
face="serif">provided</FONT></I><FONT size=2 face="serif"> that the final index
          value or the final average index value, as applicable, will not be determined
          on a date later than the fifth scheduled index business day after the scheduled
          determination date or final determination date, as applicable, and if such
          date is not an index business day or if there is a market disruption event
          on such date, the Calculation Agent will determine the index closing value
          of the underlying index on such date in accordance with the formula for
          calculating such index last in effect prior to the commencement of the
          market disruption event (or prior to the non-index business day), without
          rebalancing or substitution, using the closing price (or, if trading in
          the relevant securities has been materially suspended or materially limited,
          its good faith estimate of the closing price that would have prevailed
          but for such suspension, limitation or non-index business day) on such
          date of each security most recently constituting the underlying index. </FONT></p>
  <p align="left"> <I><FONT size=2 face="serif">For issuances of notes linked
        to a basket of indices</FONT></I><FONT size=2 face="serif">: If any scheduled
          determination date is not an index business day with respect to any
        basket index, such determination date for that basket index will be the
        immediately succeeding index business day for that basket index. If a
        market disruption event with respect to any basket index occurs on any
        scheduled determination date, the basket closing value solely with respect
        to such affected basket index will be determined on the immediately succeeding
        index business day on which no market disruption event shall have occurred
        with respect to such affected basket index, and the basket closing value
        shall be determined on the later of such date as so postponed and the
        date on which the index closing value for each of the basket indices
        is available; </FONT><I><FONT size=2 face="serif">provided</FONT></I><FONT size=2 face="serif"> that
        the final index value or final </FONT></p>
</blockquote>
<P align="center"> <FONT size=2 face="serif">S-25 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<blockquote>
  <p align="left"> <FONT size=2 face="serif">average index value, as applicable,
      will not be determined on a date later than the fifth scheduled index business
      day after the scheduled determination date or final determination date,
      as applicable, and if such date is not an index business day, or if there
      is a market disruption event on such date, the Calculation Agent will determine
      the final index value or the final average index value, as applicable,
      using the index closing value of the affected basket index as determined
      by the Calculation Agent in accordance with the formula for calculating
      such index last in effect prior to the commencement of the market disruption
        event (or prior to the non-index business day), without rebalancing or substitution,
        using the closing price (or, if trading in the relevant securities has been
        materially suspended or materially limited, its good faith estimate of the
        closing price that would have prevailed but for such suspension, limitation
        or non-index business day) on such date of each security most recently constituting
        the affected basket index. </FONT></p>
</blockquote>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If,
    however, the applicable pricing supplement for issuances of notes linked
    to a single index specifies multiple determination dates and that the determination
    dates will be a specified number of index business days in a specified &#147;</FONT><B><FONT size=2 face="serif">calculation
    period</FONT></B><FONT size=2 face="serif">,&#148; then the final average
    index value will be calculated by the Calculation Agent, as follows: </FONT></P>
<blockquote>
  <p align="left"> <FONT size=2 face="serif">The final average index value will
        equal the sum of the products, each a &#147;</FONT><B><FONT size=2 face="serif">daily
        calculation value</FONT></B><FONT size=2 face="serif">,&#148; of the index
        closing value and the weighting for each determination date. The weighting
        for each determination date will initially be the same and will be a fraction,
        the numerator of which is 1 and the denominator of which is equal to the
        specified number of determination dates in the calculation period (so that,
        for example, if three value determination dates have been scheduled, each
        such determination date will initially receive a weighting of </FONT><FONT size=1 face="serif"><SUP>1</SUP>/<SUB>3</SUB></FONT><FONT
size=2 face="serif">). However, if a market disruption event occurs on any determination
        date, then the Calculation Agent shall not compute a daily calculation value
        for that date and will instead compute the daily calculation value on the
        next index business day when a market disruption event does not occur. If,
        however, there are less than the required number of scheduled determination
        dates remaining in any calculation period, the Calculation Agent will weight
        the daily calculation value for each succeeding determination date during
        the calculation period to ratably distribute the intended weight of such
        date across the remaining determination dates. Accordingly, if a market disruption
        event occurs during the calculation period, the daily calculation values
        will be calculated as follows: </FONT></p>
</blockquote>
<table width="100%"  border="0" cellpadding="0" cellspacing="0">
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&#149;</td>
    <td colspan="3"><p><FONT size=2 face="serif">the daily calculation value
          for each determination date preceding the first market disruption event</FONT> <FONT size=2 face="serif">will
    be calculated using the weighting described above,</FONT></p></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td width="80%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&#149;</td>
    <td colspan="3"><FONT size=2 face="serif">the daily calculation value for
        each determination date following a market disruption event will be</FONT> <FONT size=2 face="serif">calculated
    using a weighting that equals a fraction,</FONT> </td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td width="80%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td><font basesize=2 size=2 baseface="monospace" face="monospace">o</font></td>
    <td colspan="2"><p><FONT size=2 face="serif">the numerator of which will
          be the fraction that equals 1 </FONT><I><FONT size=2 face="serif">minus </FONT></I><FONT size=2 face="serif">the
          sum of the weightings for</FONT> <FONT size=2 face="serif">all preceding
    determination dates,</FONT></p></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td><font basesize=2 size=2 baseface="monospace" face="monospace">o</font></td>
    <td colspan="2"><FONT size=2 face="serif">the denominator of which will be
    the lesser of</FONT> </td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td width="80%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td><font face="wingdings">&#216;</font></td>
    <td><FONT size=2 face="serif">the original denominator and</FONT></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="5%"><font face="wingdings">&#216;</font></td>
    <td width="80%"><FONT size=2 face="serif">the number of scheduled index business
        days from and including such determination date</FONT> <FONT size=2 face="serif">to
        and including the last scheduled index business day in the applicable
    calculation</FONT> <FONT
size=2 face="serif">period.</FONT></td>
  </tr>
</table>
<blockquote>
  <p align="left"> <FONT size=2 face="serif">If a market disruption event occurs
            on the last scheduled index business day in the calculation period or if
            such date is not an index business day, the Calculation Agent will determine
            the value of the underlying index on such date in accordance with the formula
            for and method of calculating the underlying index last in effect prior to
            the commencement of the market disruption event (or prior to the non-index
            business day), using the closing price (or, if trading in the relevant securities
            has been materially suspended or materially limited, its good faith estimate
            of the closing price that would have prevailed but for such suspension or
            limitation or non-index business day) on such date of each security most
        recently constituting the underlying index. </FONT></p>
</blockquote>
<P align="center"> <FONT size=2 face="serif">S-26 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If the
    applicable pricing supplement for issuances of notes linked to a basket of
    indices indicates that a calculation period will apply, the provisions above
    related to notes linked to a single index will be adapted to apply to multiple
    underlying indices in calculating the final average index value. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Our Call Right </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If so
    specified in the applicable pricing supplement, we may call an issuance of
    notes on or after the call date, in whole or in part, for mandatory exchange
    into cash at the applicable call price specified in the applicable pricing
    supplement. If we call an issuance of notes, we will not pay you a supplemental
    redemption amount with respect to such issuance of notes. If we call an issuance
    of notes, then the cash to be delivered to you will be delivered on the call
    date fixed by us and set forth in our call notice, upon delivery of your
    notes to the Trustee in accordance with the delivery instructions. We will,
    or will cause the Calculation Agent to, deliver the cash to the Trustee for
    delivery to you. We refer to this right as &#147;</FONT><B><FONT size=2 face="serif">our
    call right</FONT></B><FONT size=2 face="serif">.&#148; </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Additional Price Dependent Call
      Right </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If so
    specified in the applicable pricing supplement, we may have the right to
    call the notes, in whole or in part, for mandatory exchange into cash during
    the price dependent call period (as defined below) only if the index closing
    value of the underlying index or the basket closing value of the underlying
    basket of indices, as applicable, on the trading day immediately preceding
    the relevant notice date is, in the case of bull notes, greater than the
    threshold value (as defined below), or, in the case of bear notes, less than
    the threshold value, specified in such pricing supplement (the &#147;</FONT><B><FONT size=2 face="serif">price
    dependent call right</FONT></B><FONT size=2
face="serif">&#148;). </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If we
    call the notes for mandatory exchange, the applicable call price will be
    delivered on the call date fixed by us and set forth in our notice of mandatory
    exchange, upon delivery of such notes to the Trustee, as described under &#147;Our
    Call Right.&#148; </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Price
      dependent call period and threshold value. </FONT></I><FONT size=2 face="serif">In
      the applicable pricing supplement for any notes issued with a price dependent
      call right, we will specify the applicable call price or the formula for
      determining the call prices, the period during which such mandatory exchange
      for cash may be effected as the &#147;</FONT><B><FONT size=2 face="serif">price
      dependent call period</FONT></B><FONT
size=2 face="serif">&#148; and the threshold value required to permit such exchange
      as the &#147;</FONT><B><FONT size=2 face="serif">threshold value</FONT></B><FONT size=2 face="serif">.&#148; </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Trustee </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The &#147;</FONT><B><FONT size=2 face="serif">Trustee</FONT></B><FONT size=2 face="serif">&#148; for
    each offering of notes issued under our Senior Debt Indenture will be The
    Bank of New York, a New York banking corporation (as successor to JPMorgan
    Chase Bank, N.A. (formerly known as JPMorgan Chase Bank)). </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Agent </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Unless
    otherwise specified in the applicable pricing supplement, the &#147;</FONT><B><FONT size=2 face="serif">Agent</FONT></B><FONT size=2 face="serif">&#148; for
    each underwritten offering of notes will be MS &amp; Co. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Calculation Agent and Calculations </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">We have
    appointed MS &amp; Co. to act as &#147;</FONT><B><FONT size=2 face="serif">Calculation
    Agent</FONT></B><FONT size=2 face="serif">&#148; for us with respect to the
    capital protected notes. As Calculation Agent, MS &amp; Co. will determine
    the initial index value, the index closing values, the multipliers, the final
    index value, the final average index value, the percentage change in the
    underlying index or basket of indices and the supplemental redemption amount. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">All
    determinations made by the Calculation Agent will be at the sole discretion
    of the Calculation Agent and will, in the absence of manifest error, be conclusive
    for all purposes and binding on you, the Trustee and us. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">All
    calculations with respect to any issuance of notes will be made by the Calculation
    Agent and will be rounded to the nearest one billionth, with five ten-billionths
    rounded upward (e.g., .9876543215 would be rounded to .987654322); all dollar
    amounts related to determination of the amount of cash payable per note will
    be rounded to the nearest ten-thousandth, with five one hundred-thousandths
    rounded upward (e.g., .76545 would be rounded up </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-27 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<FONT size=2 face="serif">to .7655); and all dollar amounts paid on the aggregate
number of any notes will be rounded to the nearest cent, with one-half cent rounded
upward. </FONT><br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Because
    the Calculation Agent is our affiliate, the economic interests of the Calculation
    Agent and its affiliates may be adverse to your interests, as an owner of
    the notes, including with respect to certain determinations and judgments
    that the Calculation Agent must make in determining the index percent change,
    the final index value or final average index value, as applicable, the supplemental
    redemption amount or whether a market disruption event has occurred. See &#147;&#151;Discontinuance
    of Any Underlying Index; Alteration of Method of Calculation&#148; and the
    definition of market disruption event under &#147;&#151;General Terms of
    the Notes&#151;Some Definitions.&#148; MS &amp; Co., as a registered broker-dealer,
    is required to maintain policies and procedures regarding the handling and
    use of confidential proprietary information, and such policies and procedures
    will be in effect throughout the term of the notes to restrict the use of
    information relating to the calculation of the final index value or final
    average index value, as applicable, prior to the dissemination of such information.
    MS &amp; Co. is obligated to carry out its duties and functions as Calculation
    Agent in good faith and using its reasonable judgment. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Alternate Exchange Calculation
      in the Case of an Event of Default </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If an
    event of default with respect to any issuance of notes shall have occurred
    and be continuing, the Calculation Agent will determine the amount declared
    due and payable upon any acceleration of such notes (the &#147;</FONT><B><FONT size=2 face="serif">Acceleration
    Amount</FONT></B><FONT size=2 face="serif">&#148;), which will be equal to
    the stated principal amount with respect to such issuance of notes, </FONT><I><FONT
size=2 face="serif">plus</FONT></I><FONT size=2 face="serif"> the applicable
    supplemental redemption amount, if any, determined as though the index closing
    value for any determination date for such issuance of notes scheduled to
    occur on or after such date of acceleration were the index closing value
    on the date of acceleration, plus, if applicable, any accrued but unpaid
    interest as of the date of such acceleration. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If the
    maturity of the notes is accelerated because of an event of default as described
    above, we shall, or shall cause the Calculation Agent to, provide written
    notice to the Trustee at its New York office, on which notice the Trustee
    may conclusively rely, and to DTC of the Acceleration Amount due with respect
    to the notes as promptly as possible and in no event later than two business
    days after the date of such acceleration. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Discontinuance of Any Underlying
      Index; Alteration of Method of Calculation </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If the
    underlying index publisher discontinues publication of the underlying index
    or a basket index and such underlying index publisher or another entity (including
    MS &amp; Co.) publishes a successor or substitute index that MS &amp; Co.,
    as the Calculation Agent, determines, in its sole discretion, to be comparable
    to the discontinued underlying index or basket index (such index being referred
    to herein as a &#147;</FONT><B><FONT
size=2 face="serif">successor index</FONT></B><FONT size=2 face="serif">&#148;),
    then any subsequent index closing value will be determined by reference to
    the published value of such successor index at the regular weekday close
    of trading on any index business day that the index closing value is to be
    determined. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Upon
    any selection by the Calculation Agent of a successor index, the Calculation
    Agent will cause written notice thereof to be furnished to the Trustee, to
    us and to DTC, as holder of such notes, within three trading days of such
    selection. We expect that such notice will be passed on to you, as a beneficial
    owner of the relevant notes, in accordance with the standard rules and procedures
    of DTC and its direct and indirect participants. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If the
    underlying index publisher discontinues publication of the underlying index
    or a basket index prior to, and such discontinuance is continuing on, any
    determination date or the date of acceleration and MS &amp; Co., as the Calculation
    Agent, determines, in its sole discretion, that no successor index is available
    at such time, then the Calculation Agent will determine the index closing
    value and/or basket closing value for such determination date or date of
    acceleration. The index closing value will be computed by the Calculation
    Agent in accordance with the formula for and method of calculating the underlying
    index or basket index last in effect prior to such discontinuance, using
    the closing price (or, if trading in the relevant securities has been materially
    suspended or materially limited, its good faith estimate of the closing price
    that would have prevailed but for such suspension or limitation) at the close
    of the principal trading session of the relevant exchange on such determination
    date or date of acceleration of
    each security most recently constituting such underlying index or basket
    index without any rebalancing or substitution of such securities following
    such discontinuance. Notwithstanding these alternative </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-28 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">arrangements, discontinuance of the
    publication of the underlying index or basket index may adversely affect
    the value of the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If at
    any time the method of calculating the underlying index or basket index or
    successor index, or the value thereof, is changed in a material respect,
    or if the underlying index or basket index or successor index is in any other </FONT><FONT size=2 face="serif">way
    modified so that such index does not, in the opinion of MS &amp; Co., as
    the Calculation Agent, fairly represent the value of such index had such
    changes or modifications not been made, then, from and after such time, the
    Calculation Agent will, at the close of business in New York City on each
    date on which the index closing value and/or basket closing value is to be
    determined, make such calculations and adjustments as, in the good faith
    judgment of the Calculation Agent, may be necessary in order to arrive at
    a value of a stock index comparable to the underlying index or basket index
    or successor index, as the case may be, as if such changes or modifications
    had not been made, and the Calculation Agent will calculate the final index
    value or final average index value, as applicable, with reference to the
    underlying index or basket index or successor index, as adjusted. Accordingly,
    if the method of calculating the underlying index or basket index or successor
    index is modified so that the value of such index is a fraction of what it
    would have been if it had not been modified (</FONT><I><FONT size=2 face="serif">e.g.</FONT></I><FONT size=2 face="serif">,
    due to a split in the index), then the Calculation Agent will adjust such
    index in order to arrive at a value of the underlying index or basket index
    or successor index as if it had not been modified (</FONT><I><FONT size=2 face="serif">e.g.</FONT></I><FONT size=2 face="serif">,
      as if such split had not occurred). </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Forms of Notes </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">As noted
    above, the notes are issued as part of our Series F medium-term note program.
    We will issue notes only in fully registered form either as book-entry notes
    or as certificated notes. References to &#147;holders&#148; mean those who
    own notes registered in their own names, on the books that we or the Trustee
    maintain for this purpose, and not those who own beneficial interests in
    notes registered in street name or in notes issued in book-entry form through
    one or more depositaries. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Book-entry
      notes. </FONT></I><FONT size=2 face="serif">For notes in book-entry form,
      we will issue one or more global certificates representing the entire issue
      of notes. Except as set forth in the prospectus under &#147;Forms of Securities &#151; Global
      Securities,&#148; you may not exchange book-entry notes or interests in
      book-entry notes for certificated notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Each
    global note certificate representing book-entry notes will be deposited with,
    or on behalf of, the Depositary and registered in the name of the Depositary
    or a nominee of the Depositary. These certificates name the Depositary or
    its nominee as the owner of the notes. The Depositary maintains a computerized
    system that will reflect the interests held by its participants in the global
    notes. An investor&#146;s beneficial interest will be reflected in the records
    of the Depositary&#146;s direct or indirect participants through an account
    maintained by the investor with its broker/dealer, bank, trust company or
    other representative. A further description of the Depositary&#146;s procedures
    for global notes representing book-entry notes is set forth under &#147;Forms
    of Securities&#151;The Depositary&#148; in the prospectus. The Depositary
    has confirmed to us, the agents and the Trustee that it intends to follow
    these procedures. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Certificated
      notes. </FONT></I><FONT size=2 face="serif">If we issue notes in certificated
      form, the certificate will name the investor or the investor&#146;s nominee
      as the owner of the notes. The person named in the note register will be
      considered the owner of the note for all purposes under the Senior Debt
      Indenture. For example, if we need to ask the holders of any issuance of
      notes to vote on a proposed amendment to such notes, the person named in
      the note register will be asked to cast any vote regarding that issuance
      of notes. If you have chosen to have some other entity hold the certificates
      for you, that entity will be considered the owner of your note in our records
      and will be entitled to cast the vote regarding your note. You may not
      exchange certificated notes for book-entry notes or interests in book-entry
      notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">New
      York law to govern. </FONT></I><FONT size=2 face="serif">The notes will
      be governed by, and construed in accordance with, the laws of the State
      of New York. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Interest and Principal Payments </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">You
    should read the section called &#147;Description of Debt Securities&#148; in
    the prospectus, where we describe generally how principal and interest payments,
    if any, on the notes are made, how exchanges and transfers of the notes are
    effected and how fixed and floating rates of interest on the notes, if any,
    are calculated. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-29 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="center"> <B><FONT size=2 face="serif">USE OF PROCEEDS AND HEDGING </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    net proceeds we receive from the sale of the notes will be used for general
    corporate purposes and, in part, in connection with hedging our obligations
    under the notes through one or more of our subsidiaries. See also &#147;Use
    of Proceeds&#148; in the accompanying prospectus. The original issue price
    of the notes includes the agent&#146;s commissions (as shown on the cover
    page of the applicable pricing supplement) paid with respect to the notes
    and the cost of hedging our obligations thereunder. The cost of hedging includes
    the projected profit that our subsidiaries expect to realize in consideration
    for assuming the risks inherent in managing the hedging transactions. Since
    hedging our obligations entails risk and may be influenced by market forces
    beyond our or our subsidiaries&#146; control, such hedging may result in
    a profit that is more or less than initially projected, or could result in
    a loss. See also &#147;Use of Proceeds&#148; in the accompanying prospectus. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">On or
    prior to the day we price the notes for initial sale to the public, we, through
    our subsidiaries or others, expect to hedge our anticipated exposure in connection
    with the notes by taking positions in the stocks constituting the underlying
    index or a basket index, in futures or options contracts on the underlying
    index or a basket index or its component securities listed on major securities
    markets or positions in any other available securities or instruments that
    we may wish to use in connection with such hedging. Such purchase activity
    could increase the value of the underlying index or basket of indices, and
    therefore the value at which the underlying index or basket of indices must
    close on any determination date before you would receive at maturity a payment
    that exceeds the principal amount of the notes. In addition, through our
    subsidiaries, we are likely to modify our hedge position throughout the life
    of the notes, including on any determination date(s), by purchasing and selling
    the stocks constituting the underlying index or a basket index, futures or
    options contracts on the underlying index or a basket index or its component
    stocks listed on major securities markets or positions in any other available
    securities or instruments that we may wish to use in connection with such
    hedging activities, including by selling any such securities or instruments
    on any determination date(s). We cannot give any assurance that our hedging
    activities will not affect the value of the underlying index or basket of
    indices and, therefore, adversely affect the value of the notes or the payment
    you will receive at maturity. </FONT></P>
<P align="center"> <B><FONT size=2 face="serif">CAPITAL PROTECTED NOTES OFFERED
      ON A GLOBAL BASIS </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If we
    offer the notes on a global basis we will so specify in the applicable pricing
    supplement. The additional information contained in the prospectus under &#147;Securities
    Offered on a Global Basis through the Depositary&#151;Book-Entry, Delivery
    and Form&#148; and &#147;&#151;Global Clearance and Settlement Procedures&#148; will
    apply to every offering on a global basis. The additional provisions described
    under &#147;Securities Offered on a Global Basis Through the Depositary &#151;Tax
    Redemption&#148; and &#147;&#151;Payment of Additional Amounts&#148; will
    apply to notes offered on a global basis only if we so specify in the applicable
    pricing supplement. </FONT></P>
<P align="center"> <B><FONT size=2 face="serif">ERISA </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Depending
    on whether the notes are listed on a securities exchange or not, the relevant
    provision below will apply for an issuance of capital protected notes: </FONT></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <B><FONT size=2 face="serif">Certain Capital Protected Notes
      Listed on a Securities Exchange </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Each
    fiduciary of a pension, profit-sharing or other employee benefit plan subject
    to the Employee Retirement Income Security Act of 1974, as amended (&#147;</FONT><B><FONT size=2
face="serif">ERISA</FONT></B><FONT size=2 face="serif">&#148;), (a &#147;</FONT><B><FONT size=2 face="serif">Plan</FONT></B><FONT size=2 face="serif">&#148;)
    should consider the fiduciary standards of ERISA in the context of the Plan&#146;s
    particular circumstances before authorizing an investment in the notes. Accordingly,
    among other factors, the fiduciary should consider whether the investment
    would satisfy the prudence and diversification requirements of ERISA and
    would be consistent with the documents and instruments governing the Plan. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In addition,
    we and certain of our subsidiaries and affiliates, including MS &amp; Co.
    and Morgan Stanley DW Inc. (formerly Dean Witter Reynolds Inc.) (&#147;</FONT><B><FONT size=2
face="serif">MSDWI</FONT></B><FONT size=2 face="serif">&#148;), may each be considered
    a &#147;party in interest&#148; within the meaning of ERISA, or a &#147;disqualified
    person&#148; within the meaning of the Internal Revenue Code of 1986, as
    amended (the &#147;</FONT><B><FONT size=2 face="serif">Code</FONT></B><FONT size=2 face="serif">&#148;),
    with respect to many Plans, as well as many individual retirement accounts
    and Keogh plans (also &#147;</FONT><B><FONT size=2
face="serif">Plans</FONT></B><FONT size=2 face="serif">&#148;). Unless an exemption
    applies, prohibited transactions within the meaning of ERISA or the Code
    could arise, for example, if the notes are acquired by or with the assets
    of a Plan with respect to which MS &amp; Co., MSDWI or any of their affiliates
    is a service provider. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-30 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">We have
    obtained from the Department of Labor an exemption from the prohibited transaction
    rules that will cover the purchase and holding of certain issuances of notes
    by a Plan for whom we or one of our affiliates is a service provider in cases
    where the specified requirements of the exemption are met, including that
    such notes (i) are 100% principal protected and (ii) are listed on a national
    securities exchange. In order for this exemption to apply, the decision to
    invest in the notes must be made by a Plan fiduciary, or a Plan participant
    (in the case of Plans that provide for participant-directed investments),
    who is independent from us and from our affiliates. At the time of a Plan&#146;s
    acquisition of any notes, no more than 15% of the Plan&#146;s assets should
    be invested in such notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    exemption described above was issued by the Department of Labor pursuant
    to its &#147;Expedited Exemption Procedure&#148; under Prohibited Transaction
    Class Exemption 96-62. Copies of both the proposed and final exemption are
    available from us upon request. Purchasers of notes have exclusive responsibility
    for ensuring that their purchase and holding of such notes do not violate
    the prohibited transaction or other rules of ERISA or the Code. In addition,
    purchasers of notes acquiring or holding such notes with the assets of a
    governmental or church plan shall be deemed to represent by their purchase
    and holding of the notes that such purchase or holding does not violate any
    prohibitions imposed under federal, state or local law or any other rules
    or similar regulations applicable to such plan. </FONT></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <B><FONT size=2 face="serif">Other Capital Protected Notes </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Each
    fiduciary of a pension, profit-sharing or other employee benefit plan subject
    to the Employee Retirement Income Security Act of 1974, as amended (&#147;</FONT><B><FONT size=2
face="serif">ERISA</FONT></B><FONT size=2 face="serif">&#148;) (a &#147;</FONT><B><FONT size=2 face="serif">Plan</FONT></B><FONT size=2 face="serif">&#148;),
    should consider the fiduciary standards of ERISA in the context of the Plan&#146;s
    particular circumstances before authorizing an investment in the notes. Accordingly,
    among other factors, the fiduciary should consider whether the investment
    would satisfy the prudence and diversification requirements of ERISA and
    would be consistent with the documents and instruments governing the Plan. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In addition,
    we and certain of our subsidiaries and affiliates, including MS &amp; Co.
    and Morgan Stanley DW Inc. (formerly Dean Witter Reynolds Inc.) (&#147;</FONT><B><FONT size=2
face="serif">MSDWI</FONT></B><FONT size=2 face="serif">&#148;), may be each considered
    a &#147;party in interest&#148; within the meaning of ERISA, or a &#147;disqualified
    person&#148; within the meaning of the Internal Revenue Code of 1986, as
    amended (the &#147;</FONT><B><FONT size=2 face="serif">Code</FONT></B><FONT size=2 face="serif">&#148;),
    with respect to many Plans, as well as many individual retirement accounts
    and Keogh plans (also &#147;</FONT><B><FONT size=2
face="serif">Plans</FONT></B><FONT size=2 face="serif">&#148;). Prohibited transactions
    within the meaning of ERISA or the Code would likely arise, for example,
    if the notes are acquired by or with the assets of a Plan with respect to
    which MS &amp; Co., MSDWI or any of their affiliates is a service provider
    or other party in interest, unless the notes are acquired pursuant to an
    exemption from the &#147;prohibited transaction&#148; rules. A violation
    of these &#147;prohibited transaction&#148; rules could result in an excise
    tax or other liabilities under ERISA and/or Section 4975 of the Code for
    such persons, unless exemptive relief is available under an applicable statutory
    or administrative exemption. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    U.S. Department of Labor has issued five prohibited transaction class exemptions
    (&#147;</FONT><B><FONT size=2 face="serif">PTCEs</FONT></B><FONT size=2 face="serif">&#148;)
    that may provide exemptive relief for direct or indirect prohibited transactions
    resulting from the purchase or holding of the notes. Those class exemptions
    are PTCE 96-23 (for certain transactions determined by in-house asset managers),
    PTCE 95-60 (for certain transactions involving insurance company general
    accounts), PTCE 91-38 (for certain transactions involving bank collective
    investment funds), PTCE 90-1 (for certain transactions involving insurance
    company separate accounts) and PTCE 84-14 (for certain transactions determined
    by independent qualified asset managers). In addition, ERISA Section 408(b)(17)
    provides an exemption for the purchase and sale of securities and related
    lending transactions, provided that neither the issuer of the securities
    nor any of its affiliates have or exercise any discretionary authority or
    control or render any investment advice with respect to the assets of any
    Plan involved in the transaction, and provided further that the Plan pays
    no more than &#147;adequate consideration&#148; (to be defined in regulations
    to be issued by the Secretary of the Department of Labor) in connection with
    the transaction (the so-called &#147;service provider&#148;</FONT><B><FONT size=2 face="serif"> </FONT></B><FONT size=2 face="serif">exemption). </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Because
    we may be considered a party in interest with respect to many Plans, the
    notes may not be purchased, held or disposed of by any Plan, any entity whose
    underlying assets include &#147;plan assets&#148; by reason of any Plan&#146;s
    investment in the entity (a &#147;</FONT><B><FONT size=2 face="serif">Plan
    Asset Entity</FONT></B><FONT size=2 face="serif">&#148;) or any person investing &#147;plan
    assets&#148; of any Plan, unless such purchase, holding or disposition is
    eligible for exemptive relief, including relief available under PTCEs 96-23,
    95-60, 91-38, 90-1, 84-14 or the service provider exemption or such purchase,
    holding or disposition is otherwise not prohibited. Any purchaser, including
    any fiduciary purchasing on behalf of a Plan, transferee or holder of the
    notes </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-31 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">will be deemed to have represented,
    in its corporate and its fiduciary capacity, by its purchase and holding
    of the notes that either (a) it is not a Plan or a Plan Asset Entity and
    is not purchasing such notes on behalf of or with &#147;plan assets&#148; of
    any Plan, or with any assets of a governmental or church plan that is subject
    to any federal, state or local law that is substantially similar to the provisions
    of Section 406 of ERISA of Section 4975 of the Code or (b) its purchase,
    holding and disposition are eligible for exemptive relief or such purchase,
    holding and disposition are not prohibited by ERISA or Section 4975 of the
    Code (or in the case of a governmental or church plan, any substantially
    similar federal, state or local law). </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Under
    ERISA, assets of a Plan may include assets of certain commingled vehicles
    and entities in which the Plan has invested (including, in certain cases,
    the general account of an insurance company). Accordingly, commingled vehicles
    and entities which include assets of a Plan must ensure that one of the foregoing
    exemptions is available. Due to the complexity of these rules and the penalties
    that may be imposed upon persons involved in non-exempt prohibited transactions,
    it is particularly important that fiduciaries or other persons considering
    purchasing the notes on behalf of or with &#147;plan assets&#148; of any
    Plan consult with their counsel regarding the availability of exemptive relief
    under any available exemptions, such as PTCEs 96-23, 95-60, 91-38, 90-1 or
    84-14 or the service provider exemption. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Purchasers
    of the notes have exclusive responsibility for ensuring that their purchase,
    holding and disposition of the notes do not violate the prohibited transaction
    rules of ERISA or the Code or similar regulations applicable to governmental
    or church plans, as described above. The sale of any notes to any Plan investor
    is in no respect a representation by us or any of our affiliates or representatives
    that such an investment meets all relevant legal requirements with respect
    to investments by Plan investors generally or any particular Plan investor,
    or that such an investment is appropriate for Plan investors generally or
    any particular Plan investor. </FONT></P>
<P align="center"> <B><FONT size=2 face="serif">UNITED STATES FEDERAL TAXATION </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In the
    opinion of Davis Polk &amp; Wardwell, our counsel (&#147;Tax Counsel&#148), the following are the
    material U.S. federal tax consequences of ownership and disposition of the
    notes. This discussion only applies to initial investors in the notes who: </FONT></P>
<UL>
  <LI> <FONT size=2 face="serif">purchase the notes at their &#147;issue price,&#148; which
      will equal the first price to the public (not including bond</FONT> <FONT size=2 face="serif">houses,
      brokers or similar persons or organizations acting in the capacity of underwriters,
      placement agents</FONT> <FONT size=2 face="serif">or wholesalers) at which
      a substantial amount of the notes is sold; and<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">will hold the notes as capital assets within
      the meaning of Section 1221 of the Internal Revenue Code of</FONT> <FONT size=2 face="serif">1986,
      as amended (the &#147;Code&#148;).</FONT></LI>
</UL>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">This
    discussion does not describe all of the tax consequences that may be relevant
    to a particular holder in light of the holder&#146;s particular circumstances
    or to holders subject to special rules, such as: </FONT></P>
<UL>
  <LI> <FONT size=2 face="serif">certain financial institutions;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">insurance companies;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">dealers in securities or foreign currencies;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">investors holding the notes as part of a hedging
      transaction, &#147;straddle,&#148; conversion transaction, or other</FONT> <FONT size=2 face="serif">integrated
      transaction, or who holds the notes as part of a constructive sale transaction
      or constructive</FONT> <FONT size=2 face="serif">ownership transaction;<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">U.S. Holders (as defined below) whose functional
      currency is not the U.S. dollar;<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">partnerships or other entities classified as
      partnerships for U.S. federal income tax purposes;<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">regulated investment companies;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">real estate investment trusts;</FONT></LI>
</UL>
<P align="center"> <FONT size=2 face="serif">S-32 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<UL>
  <LI> <FONT size=2 face="serif">tax exempt entities, including an &#147;individual
      retirement account&#148; or &#147;Roth IRA&#148; as defined in Section
      408</FONT> <FONT size=2 face="serif">or 408A of the Code, respectively;<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">persons subject to the alternative minimum tax;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">nonresident alien individuals who have lost
      their U.S. citizenship or who have ceased to be taxed as U.S.</FONT> <FONT size=2 face="serif">resident
      aliens; or<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">Non-U.S. investors for whom income or gain in
      respect of a note is effectively connected with a trade or</FONT> <FONT size=2 face="serif">business
      in the United States.</FONT></LI>
</UL>
<P align="left"><font size="2" face="Times New Roman, Times, serif">In addition,
    neither we nor Tax Counsel has determined whether any entity that is included
    in the underlying index or any basket index will be considered a &#147;United
    States real property holding corporation&#148; within the meaning of Section
    897 of the Code and the effect of Section 897 of the Code on the tax consequences
    to a non-U.S. investor of an investment in and ownership of the notes. A
    non-U.S. investor should consult its own tax advisors regarding the U.S.
federal tax consequences of an investment in and ownership of the notes. </font> </P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">This
    discussion is based on the Code, administrative pronouncements, judicial
    decisions and final, temporary and proposed Treasury regulations, all as
    of the date hereof, changes to any of which subsequent to the date of this
    prospectus supplement may affect the tax consequences described herein. Persons
    considering the purchase of notes are urged to consult their tax advisors
    with regard to the application of the U.S. federal income tax laws to their
    particular situations as well as any tax consequences arising under the laws
    of any state, local or foreign taxing jurisdiction. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">This
      discussion is subject to any additional discussion regarding U.S. federal
      income taxation contained in the applicable pricing supplement. Accordingly,
      you should also consult the applicable pricing supplement for any additional
      discussion of U.S. federal taxation with respect to the specific securities
      offered thereunder. </FONT></B></P>
<P align="left"> <B><FONT size=2 face="serif">Tax Consequences to U.S. Holders</FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">As used
    herein, the term &#147;U.S. Holder&#148; means a beneficial owner of a note
    that is for U.S. federal income tax purposes:</FONT></P>
<UL>
  <LI> <FONT size=2 face="serif">a citizen or resident of the United States;<br>
    <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">a corporation, or other entity taxable as a
      corporation for U.S. federal income tax purposes, created or</FONT> <FONT size=2 face="serif">organized
      in or under the laws of the United States or of any political subdivision
      thereof; or<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">an estate or trust the income of which is subject
      to U.S. federal income taxation regardless of its source.</FONT></LI>
</UL>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The term U.S. Holder also includes
    certain former citizens and residents of the United States. </FONT></P>
<P align="left"> <I><FONT size=2 face="serif">Classification of the Notes. </FONT></I><FONT size=2 face="serif">Unless
    otherwise provided in the applicable pricing supplement and subject to the
    discussion below, the notes will be treated as &#147;contingent payment debt
    instruments&#148; for U.S. federal income tax purposes.</FONT><I><FONT size=2 face="serif"> </FONT></I></P>
<P align="left"> <I><FONT size=2 face="serif">Interest Accruals on the Notes. </FONT></I><FONT size=2 face="serif">Pursuant
    to special rules governing the tax treatment of debt obligations that are
    treated under applicable Treasury regulations (&#147;Contingent Debt
    Regulations&#148;) as providing for contingent payments, U.S. Holders of
    the notes will be required to accrue interest income on the notes on a constant
    yield basis, based on a comparable yield as described below, regardless of
    whether such holders use the cash or accrual method of accounting for U.S.
    federal income tax purposes. As such, U.S. Holders generally will be required
    to include interest in income each year in excess of any stated interest
    payments actually received in that year.</FONT><I><FONT size=2 face="serif"> </FONT></I></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Contingent Debt Regulations provide that a U.S. Holder must accrue an amount
    of ordinary interest income, as original issue discount for U.S. federal
    income tax purposes, for each accrual period prior to and including the maturity
    date of the notes that equals: </FONT></P>
<P align="center"><FONT size=2 face="serif">S-33 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<UL>
  <LI> <FONT size=2 face="serif">the product of (a) the adjusted issue price
      (as defined below) of the notes as of the beginning of the accrual</FONT> <FONT size=2 face="serif">period
      and (b) the comparable yield to maturity (as defined below) of the notes,
      adjusted for the length of</FONT> <FONT size=2 face="serif">the accrual
      period;<br>
          <br>
        </FONT></LI>
  <LI> <FONT size=2 face="serif">divided by the number of days in the accrual
      period; and<br>
          <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">multiplied by the number of days during the
      accrual period that the U.S. Holder held the notes.</FONT></LI>
</UL>
<P align="left"> <FONT size=2 face="serif"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The &#147;adjusted
    issue price&#148; of a note is its issue price increased by any interest
    income previously accrued, determined without regard to any adjustments to
    interest accruals described below, and decreased by the projected amount
    of any payments (in accordance with the projected payment schedule described
below) previously made with respect to the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    term &#145;&#145;comparable yield&#146;&#146; as used in the Contingent Debt
    Regulations means the greater of (i) annual yield we would pay, as of the
    issue date, on a fixed-rate, nonconvertible debt instrument with no contingent
    payments, but with terms and conditions otherwise comparable to those of
    the notes, and (ii) the applicable federal rate. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Contingent Debt Regulations require that we provide to U.S. Holders, solely
    for U.S. federal income tax purposes, a schedule of the projected amounts
    of payments (the &#145;&#145;projected payment schedule&#146;&#146;) on the
    notes. This schedule must produce a yield to maturity that equals the comparable
    yield to maturity.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">For
      U.S. federal income tax purposes, a U.S. Holder is required under the Contingent
      Debt Regulations to use the comparable yield and the projected payment
      schedule established by us in determining interest accruals and adjustments
      in respect of a note, unless such U.S. Holder timely discloses and justifies
      the use of a different comparable yield and projected payment schedule
      to the Internal Revenue Service (&#147;IRS&#148;).</FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">The
      comparable yield and the projected payment schedule are not used for any
      purpose other than to determine a U.S. Holder&#146;s interest accruals
      and adjustments thereto in respect of the notes for U.S. federal income
      tax purposes. They do not constitute a projection or representation by
      us regarding the actual amounts that will be paid on the notes. </FONT></B></P>
<P align="left"> <I><FONT size=2 face="serif">Adjustments to Interest Accruals
      on the Notes. </FONT></I><FONT size=2 face="serif">Subject to any discussion
      in the applicable pricing supplement and the discussion below concerning
      fixed but deferred contingent payments, if the only contingent payment
      provided for in a note is made at maturity (that is, the note either (i)
      does not pay a cash coupon during the term of the note or (ii) pays such
      cash coupon at a fixed rate at least annually), a U.S. Holder will not
      be required to make any adjustments discussed, except at maturity or upon
      other retirement of the note.</FONT><I><FONT size=2 face="serif"> </FONT></I></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If,
    during any taxable year, a U.S. Holder of notes receives actual payments
    with respect to such notes that, in the aggregate, exceed the total amount
    of projected payments for that taxable year, the U.S. Holder will incur a &#145;&#145;net
    positive adjustment&#146;&#146; under the Contingent Debt Regulations equal
    to the amount of such excess. The U.S. Holder will treat a net positive adjustment
    as additional interest income in that taxable year.</FONT><I><FONT size=2 face="serif"> </FONT></I></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If a
    U.S. Holder receives in a taxable year actual payments with respect to the
    notes that, in the aggregate, are less than the amount of projected payments
    for that taxable year, the U.S. Holder will incur a &#145;&#145;net negative
    adjustment&#146;&#146; under the Contingent Debt Regulations equal to the
    amount of such deficit. This net negative adjustment will (a) reduce the
    U.S. Holder&#146;s interest income on the notes for that taxable year, and
    (b) to the extent of any excess after the application of (a), give rise to
    an ordinary loss to the extent of the U.S. Holder&#146;s interest income
    on the notes during prior taxable years, reduced to the extent such interest
    was offset by prior net negative adjustments. Any net negative adjustment
    in excess of the amounts described in (a) and (b) will be carried forward
    as a negative adjustment to offset future interest income with respect to
    the notes or to reduce the amount realized on a sale, exchange, redemption
    or repurchase of the notes. A net negative adjustment is not subject to the
    two percent floor limitation on miscellaneous itemized deductions.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Special
    rules will apply if one or more contingent payments on an note become fixed.
    For purposes of the preceding sentence, a payment (including an amount payable
    at maturity) will be treated as fixed if (and when) all remaining contingencies
    with respect to it are remote or incidental within the meaning of the Contingent
    Debt Regulations. If one or more contingent payments on an note become fixed
    more than six months prior to the date</FONT></P>
<P align="center"> <FONT size=2 face="serif">S-34 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<FONT size=2 face="serif"> the payment is due, a U.S. Holder would be required
to make a positive or negative adjustment, as appropriate, equal to the difference
between the present value of the amounts that are fixed, using the comparable
yield as the discount rate, and the projected amounts of the contingent payments
as provided in the projected payment schedule. If all remaining scheduled contingent
payments on an note become fixed substantially contemporaneously, a U.S. Holder
would be required to make adjustments to account for the difference between the
amounts so treated as fixed and the projected payments in a reasonable manner
over the remaining term of the note. A U.S. Holder's tax basis in the note and
the character of any gain or loss on the sale of the note would also be affected.
U.S. Holders are urged to consult their tax advisors concerning the application
of these special rules. </FONT><br>
<P align="left"> <I><FONT size=2 face="serif">Sale, Exchange, Redemption or Repurchase
      of Notes. </FONT></I><FONT size=2 face="serif">Generally the sale, exchange,
      redemption or repurchase of a note will result in taxable gain or loss
      to a U.S. Holder. The amount of gain or loss on a sale, exchange, redemption
      or repurchase of a note will be equal to the difference between (a) the
      amount of cash plus the fair market value of any other property received
      by the U.S. Holder (the &#147;amount realized&#148;) and (b) the U.S. Holder&#146;s
      adjusted tax basis in the note. As previously discussed under &#147;Tax
      Consequences to U.S. Holders&#151;Adjustments to Interest Accruals on the
      Notes,&#148; to the extent that a U.S. Holder has any net negative adjustment
      carryforward, the U.S. Holder may use such net negative adjustment from
      a previous year to reduce the amount realized on the sale, exchange, redemption
      or repurchase of the notes.</FONT><I><FONT size=2 face="serif"> </FONT></I></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">For
    purposes of determining the amount realized on the scheduled retirement of
    a note, a U.S. Holder will be treated as receiving the projected payment
    amount of any contingent payment due at maturity. As previously discussed
    under &#147;Tax Consequences to U.S. Holders&#151;Adjustments to Interest
    Accruals on the Notes,&#148; to the extent that actual payments with respect
    to the notes during the year of the scheduled retirement are greater or lesser
    than the projected payments for such year, a U.S. Holder will incur a net
    positive or negative adjustment, resulting in additional ordinary income
    or loss, as the case may be. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">A U.S.
    Holder&#146;s adjusted tax basis in a note generally will be equal to the
    U.S. Holder&#146;s original purchase price for the note, increased by any
    interest income previously accrued by the U.S. Holder (determined without
    regard to any adjustments to interest accruals described above) and decreased
    by the amount of any projected payments that previously have been scheduled
    to be made in respect of the notes (without regard to the actual amount paid).</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Gain
    recognized by a U.S. Holder upon a sale, exchange, redemption or repurchase
    of a note generally will be treated as ordinary interest income. Any loss
    will be ordinary loss to the extent of the excess of previous interest inclusions
    over the total net negative adjustments previously taken into account as
    ordinary losses in respect of the note, and thereafter capital loss (which
    will be long-term if the note has been held for more than one year). The
    deductibility of capital losses is subject to limitations. A U.S. Holder
    who sells the notes at a loss that meets certain thresholds may be required
    to file a disclosure statement with the IRS. </FONT></P>
<P align="left"> <I><FONT size=2 face="serif">Short-Term Notes. </FONT></I><FONT size=2 face="serif">A
    note that matures (after taking into account the last possible date that
    the note could be outstanding under its terms) one year or less from its
    date of issuance (a &#147;short-term note&#148;) will not be treated as a
    contingent payment debt instrument. The proper treatment of payments of principal
    of and interest on short-term notes subject to a contingency is uncertain.
    Moreover, the amount of income accrual method taxpayers should accrue on
    a short-term note is also unclear. Holders of short-term notes should consult
    with their tax advisors as to the federal income tax consequences of the
    ownership and disposition of short-term notes.</FONT><I><FONT size=2 face="serif"> </FONT></I></P>
<P align="left"> <I><FONT size=2 face="serif">Backup Withholding and Information
      Reporting. </FONT></I><FONT size=2 face="serif">Backup withholding may
      apply in respect of the amounts paid to a U.S. Holder, unless such U.S.
      Holder provides proof of an applicable exemption or a correct taxpayer
      identification number, or otherwise complies with applicable requirements
      of the backup withholding rules. The amounts withheld under the backup
      withholding rules are not an additional tax and may be refunded, or credited
      against the U.S. Holder&#146;s U.S. federal income tax liability, provided
      that the required information is furnished to the IRS. In addition, information
      returns will be filed with the IRS in connection with payments on the notes
      and the proceeds from a sale or other disposition of the notes, unless
      the U.S. Holder provides proof of an applicable exemption from the information
      reporting rules.</FONT><I><FONT size=2 face="serif"> </FONT></I></P>
<P align="left"> <B><FONT size=2 face="serif">Tax Consequences to Non-U.S. Holders </FONT></B></P>
<P align="center"> <FONT size=2 face="serif">S-35 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Subject
    to any discussion contained in the applicable pricing supplement, Non-U.S.
    Holders should refer to the discussions under &#147;United States Federal
    Taxation&#151; Tax Consequences to Non-U.S. Holders&#148; in the accompanying
    prospectus for a full description of the U.S. federal tax and withholding
    consequences of ownership and disposition of a contingent payment debt instrument. </FONT></P>
</FONT></P>
<P align="center"> <FONT size=2 face="serif">S-36 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="center"> <B><FONT size=2 face="serif">PLAN OF DISTRIBUTION </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">We are
    offering the notes as part of our Series F medium-term notes on a continuing
    basis exclusively through Morgan Stanley &amp; Co. Incorporated and Morgan
    Stanley DW Inc., which we refer to individually as an &#147;agent&#148; and
    together as the &#147;agents,&#148; who have agreed to use reasonable efforts
    to solicit offers to purchase these notes. We will have the sole right to
    accept offers to purchase these notes and may reject any offer in whole or
    in part. Each agent may reject, in whole or in part, any offer it solicited
    to purchase notes. We will pay an agent, in connection with sales of these
    notes resulting from a solicitation that agent made or an offer to purchase
    that agent received, a commission that will be specified in the applicable
    pricing supplement. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">We may
    also sell these notes to an agent as principal for its own account at discounts
    to be agreed upon at the time of sale within the range of the commissions
    stated above or as otherwise disclosed in the applicable pricing supplement.
    That agent may resell these notes to investors and other purchasers at a
    fixed offering price or at prevailing market prices, or prices related thereto
    at the time of resale or otherwise, as that agent determines and as we will
    specify in the applicable pricing supplement. An agent may offer the notes
    it has purchased as principal to other dealers, which may include Morgan
    Stanley &amp; Co. International Limited and Bank Morgan Stanley AG. That
    agent may sell the notes to any dealer at a discount and, unless otherwise
    specified in the applicable pricing supplement, the discount allowed to any
    dealer will not be in excess of the discount that agent will receive from
    us. After the initial public offering of notes that an agent is to resell
    on a fixed public offering price basis, the agent may change the public offering
    price, concession and discount. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Each
    of the agents may be deemed to be an &#147;underwriter&#148; within the meaning
    of the Securities Act of 1933, as amended. We and the agents have agreed
    to indemnify each other against certain liabilities, including liabilities
    under the Securities Act, or to contribute to payments made in respect of
    those liabilities. We have also agreed to reimburse the agents for specified
    expenses. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">We estimate
    that we will spend approximately &#36;5,070,500 for printing, rating agency,
    Trustee&#146;s and legal fees and other expenses allocable to the offering
    of the notes and the other securities registered on our shelf registration
    statement and estimate that we will spend corresponding amounts with respect
    to any additional securities that we may register on our shelf registration
    statement subsequent to our initial filing. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Unless
    otherwise provided in the applicable pricing supplement, we do not intend
    to apply for the listing of these notes on a national securities exchange,
    but have been advised by the agents that they intend to make a market in
    these notes as applicable laws and regulations permit. The agents are not
    obligated to do so, however, and the agents may discontinue making a market
    at any time without notice. No assurance can be given as to the liquidity
    of any trading market for these notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Morgan
    Stanley &amp; Co. Incorporated and Morgan Stanley DW Inc. are our wholly-owned
    subsidiaries. The agents will conduct each offering of these notes in compliance
    with the requirements of Rule 2720 of the NASD regarding an NASD member firm&#146;s
    distributing the securities of an affiliate. Following the initial distribution
    of these notes, each agent may offer and sell those notes in the course of
    its business as a broker-dealer. An agent may act as principal or agent in
    those transactions and will make any sales at varying prices related to prevailing
    market prices at the time of sale or otherwise. The agents may use this prospectus
    supplement in connection with any of those transactions. The agents are not
    obligated to make a market in any of these notes and may discontinue any
    market-making activities at any time without notice. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Neither
    of the agents nor any dealer utilized in the initial offering of these notes
    will confirm sales to accounts over which it exercises discretionary authority
    without the prior specific written approval of its customer. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In order
    to facilitate the offering of these notes, the agents may engage in transactions
    that stabilize, maintain or otherwise affect the price of these notes or
    of the securities that constitute the underlying index or basket indices.
    Specifically, the agents may sell more notes than they are obligated to purchase
    in connection with the offering, creating a naked short position for their
    own accounts. The agents must close out any naked short position by purchasing
    notes in the open market. A naked short position is more likely to be created
    if the agents are concerned that there may be downward pressure on the price
    of these notes in the open market after pricing that could adversely affect
    investors who purchase in the offering. As an additional means of facilitating
    the offering, the </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-37</FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">agents may bid for, and purchase,
    these notes or the securities that constitute the underlying index or basket
    indices in the open market to stabilize the price of these notes or of such
    underlying securities. Finally, in any offering of the notes through a syndicate
    of underwriters or dealer group, the agent acting on behalf of the underwriting
    syndicate or for itself may also reclaim selling concessions allowed to an
    underwriter or a dealer for distributing these notes in the offering, if
    the agent repurchases previously distributed notes to cover syndicate short
    positions or to stabilize the price of these notes. Any of these activities
    may raise or maintain the market price of these notes above independent market
    levels or prevent or retard a decline in the market price of these notes.
    The agents are not required to engage in these activities, and may end any
    of these activities at any time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Concurrently
    with the offering of these notes through the agents, we may issue other debt
    securities under the indenture referred to in this prospectus supplement
    similar to those described in this prospectus supplement. Those debt securities
    may include other Series F medium-term notes and medium-term notes under
    our Series G and Series H prospectus supplement, which we refer to as &#147;Euro
    medium-term notes.&#148; The other Series F medium-term notes and the Euro
    medium-term notes may have terms substantially similar to the terms of the
    notes offered under this prospectus supplement. The Euro medium-term notes
    may be offered concurrently with the offering of these notes, on a continuing
    basis outside the United States by us, under a distribution agreement with
    Morgan Stanley &amp; Co. International Limited, as agent for us. The terms
    of that distribution agreement, which we refer to as the Euro Distribution
    Agreement, are substantially similar to the terms of the distribution agreement
    for a U.S. offering, except for selling restrictions specified in the Euro
    Distribution Agreement. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">With
    respect to each issuance of notes, the agent for each issuance of notes,
    acting as principal for its own account, will agree to purchase, and we will
    agree to sell, the principal amount of notes set forth on the cover of the
    applicable pricing supplement. The agent will propose initially to offer
    the notes directly to the public at the public offering price set forth on
    the cover page of the applicable pricing supplement plus accrued interest,
    if any, from the original issue date. The agent may allow a concession not
    in excess of the agent&#146;s commissions specified in the applicable pricing
    supplement per note to other dealers. After the initial offering of the notes,
    the agent may vary the offering price and other selling terms from time to
    time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    agent or an affiliate of the agent will enter into a hedging transaction
    with us in connection with each offering of notes. See &#147;Use of Proceeds
    and Hedging&#148; above. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">With
    respect to each issuance of notes, we expect to deliver the notes against
    payment therefor in New York, New York on the original issue date (settlement
    date) specified in the applicable pricing supplement. Under Rule 15c6-1 of
    the Exchange Act, trades in the secondary market generally are required to
    settle in three business days, unless the parties to any such trade expressly
    agree otherwise. Accordingly, if the original issue date for any issuance
    of notes is more than three business days after the pricing date, purchasers
    who wish to trade notes more than three business days prior to the original
    issue date will be required to specify alternative settlement arrangements
    to prevent a failed settlement. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Capital Protected Notes Offered
      on a Global Basis </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If the
    applicable pricing supplement indicates that any of our capital protected
    notes will be offered on a global basis, those registered global securities
    will be offered for sale in those jurisdictions outside of the United States
    where it is legal to make offers for sale of those notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Each
    of the agents has represented and agreed, and any other agent through which
    we may offer any capital protected notes on a global basis will represent
    and agree, that it will comply with all applicable laws and regulations in
    force in any jurisdiction in which it purchases, offers, sells or delivers
    the notes or possesses or distributes the applicable pricing supplement,
    this prospectus supplement or the accompanying prospectus and will obtain
    any consent, approval or permission required by it for the purchase, offer
    or sale by it of the notes under the laws and regulations in force in any
    jurisdiction to which it is subject or in which it makes purchases, offers
    or sales of the notes, and we shall not have responsibility for the agent&#146;s
    compliance with the applicable laws and regulations or obtaining any required
    consent, approval or permission. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-38</FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">With
    respect to sales in any jurisdictions outside of the United States of such
    notes offered on a global basis, purchasers of any such notes may be required
    to pay stamp taxes and other charges in accordance with the laws and practices
    of the country of purchase in addition to the issue price set forth on the
    cover page hereof. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">General </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">No action
    has been or will be taken by us, the agents or any dealer that would permit
    a public offering of the notes or possession or distribution of any pricing
    supplement or this prospectus supplement or the accompanying prospectus in
    any jurisdiction, other than the United States, where action for that purpose
    is required. No offers, sales or deliveries of the notes, or distribution
    of any pricing supplement or this prospectus supplement and the accompanying
    prospectus or any other offering material relating to the notes, may be made
    in or from any jurisdiction except in circumstances which will result in
    compliance with any applicable laws and regulations and will not impose any
    obligations on us, any agent or any dealer. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    agents have represented and agreed, and each dealer through which we may
    offer the notes has represented and agreed, that it (i) will comply with
    all applicable laws and regulations in force in each non-U.S. jurisdiction
    in which it purchases, offers, sells or delivers the notes or possesses or
    distributes any pricing supplement, this prospectus supplement and the accompanying
    prospectus and (ii) will obtain any consent, approval or permission required
    by it for the purchase, offer or sale by it of the notes under the laws and
    regulations in force in each non-U.S. jurisdiction to which it is subject
    or in which it makes purchases, offers or sales of the notes. We shall not
    have responsibility for any agent&#146;s or any dealer&#146;s compliance
    with the applicable laws and regulations or obtaining any required consent,
    approval or permission. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Brazil </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    notes have not been and will not be registered with the Comiss&atilde;o de
    Calores Mobili&aacute;rios (The Brazilian Securities Commission). The notes
    may not be offered or sold in the Federative Republic of Brazil (&#147;Brazil&#148;)
    except in circumstances which do not constitute a public offering or distribution
    under Brazilian laws and regulations. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Chile </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    notes have not been registered with the Superintendencia de Valores y Seguros
    in Chile and may not be offered or sold publicly in Chile. No offer, sales
    or deliveries of the notes or distribution of this prospectus supplement
    or the accompanying prospectus, may be made in or from Chile except in circumstances
    which will result in compliance with any applicable Chilean laws and regulations.</FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Hong Kong </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">No action
    has been taken to permit an offering of the notes to the public in Hong Kong
    as the notes have not been authorized by the Securities and Futures Commission
    of Hong Kong and, accordingly, no advertisement, invitation or document relating
    to the notes, whether in Hong Kong or elsewhere, shall be issued, circulated
    or distributed which is directed at, or the contents of which are likely
    to be accessed or read by, the public in Hong Kong other than (i) with respect
    to the notes which are or are intended to be disposed of only to persons
    outside Hong Kong or only to professional investors within the meaning of
    the Securities and Futures Ordinance (Cap. 571) of Hong Kong (&#147;SFO&#148;)
    and any rules made thereunder or (ii) in circumstances that do not constitute
    an invitation to the public for the purposes of the SFO. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Mexico </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    notes have not been registered with the National Registry of Securities maintained
    by the Mexican National Banking and Securities Commission and may not be
    offered or sold publicly in Mexico. This prospectus supplement and the accompanying
    prospectus may not be publicly distributed in Mexico. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-39</FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <B><FONT size=2 face="serif">Singapore </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Agent and each dealer represent and agree that they will not offer or sell
    the notes nor make the notes the subject of an invitation for subscription
    or purchase, nor will they circulate or distribute the Information Memorandum
    or any other document or material in connection with the offer or sale, or
    invitation for subscription or purchase, of the notes, whether directly or
    indirectly, to persons in Singapore other than: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(a)
    an institutional investor (as defined in section 4A of the Securities and
    Futures Act (Chapter 289 of Singapore (the &#147;SFA&#148;)); </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(b)
    an accredited investor (as defined in section 4A of the SFA), and in accordance
    with the conditions, specified in Section 275 of the SFA;</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(c)
    a person who acquires the notes for an aggregate consideration of not less
    than Singapore dollars Two Hundred Thousand (S&#36;200,000) (or its equivalent
    in a foreign currency) for each transaction, whether such amount is paid
    for in cash, by exchange of shares or other assets, unless otherwise permitted
    by law; or </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(d) otherwise pursuant to, and in
    accordance with the conditions of, any other applicable provision of the
    SFA. </FONT></P>
<P align="center"> <FONT size=2 face="serif">S-40</FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="right"> <B><FONT size=2 face="serif">ANNEX A </FONT></B></P>
<P align="center"> <B><FONT size=2 face="serif">UNDERLYING INDICES AND UNDERLYING
      INDEX PUBLISHERS INFORMATION </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">We have
    derived all information contained in this prospectus supplement and the applicable
    pricing supplement regarding any specified underlying index or basket index,
    including, without limitation, its make up, its method of calculation and
    changes in its components and its historical closing values, from publicly
    available information. Such information reflects the policies of, and is
    subject to change by, the publisher of the applicable underlying index or
    basket index, whom we refer to as the underlying index publisher. Each underlying
    index or basket index is developed, calculated and maintained by its respective
    underlying index publisher. Neither we nor the agent has participated in
    the preparation of such documents or made any due diligence inquiry with
    respect to any underlying index or basket index or underlying index publisher
    in connection with the offering of the notes. In connection with the offering
    of notes, neither we nor the agent makes any representation that such publicly
    available information regarding any underlying index or basket index or underlying
    index publisher is accurate or complete. Furthermore, we cannot give any
    assurance that all events occurring prior to the date of any offering of
    notes (including events that would affect the accuracy or completeness of
    the publicly available information described in this paragraph or in the
    applicable pricing supplement) that would affect the value of any underlying
    index or basket index have been publicly disclosed. Subsequent disclosure
    of any such events could affect the value received at maturity or on any
    call date with respect to the notes and therefore the trading prices of the
    notes.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">We
      or our affiliates may presently or from time to time engage in business
      with one or more of the issuers of the component stocks of any underlying
      index or basket index without regard to your interests, including extending
      loans to or entering into loans with, or making equity investments in,
      one or more of such issuers or providing advisory services to one or more
      of such issuers, such as merger and acquisition advisory services. In the
      course of our business, we or our affiliates may acquire non-public information
      about one or more of such issuers and neither we nor any of our affiliates
      undertakes to disclose any such information to you. In addition, we or
      our affiliates from time to time have published and in the future may publish
      research reports with respect to such issuers. These research reports may
      or may not recommend that investors buy or hold the securities of such
      issuers. As a prospective purchaser of notes, you should undertake an independent
      investigation of the issuers of the component stocks of the underlying
      index or basket indices and of the underlying index or basket indices to
      the extent required, in your judgment, to allow you to make an informed
      decision with respect to an investment in any notes. </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In this
    prospectus supplement and any applicable pricing supplement, unless the context
    requires otherwise, references to any specific underlying index or basket
    index listed below will include any successor index to such underlying index
    or basket index and references to the underlying index publisher will include
    any successor thereto. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Dow Jones Euro STOXX 50</FONT></B><B><SUP><FONT size=2 face="serif">&#174;</FONT></SUP></B><B><FONT size=2 face="serif"> Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Dow Jones EURO STOXX 50</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index,
    which we refer to as the Euro STOXX 50 Index, was created by STOXX</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Limited,
    a joint venture between Deutsche Boerse AG, Dow Jones &amp; Company, Inc.
    and SWX Swiss Exchange. Publication of the Euro STOXX 50 Index began on February
    28, 1998, based on an initial index value of 1,000 at December 31, 1991.
    The Euro STOXX 50 Index is published in The Wall Street Journal and disseminated
    on the STOXX Limited website: </FONT><font color="#000000"><U><FONT size=2
face="serif">http://www.stoxx.com</FONT></U><FONT size=2 face="serif">.
    Morgan Stanley obtained all information contained in this prospectus supplement
    regarding the Euro STOXX 50 Index, including, without limitation, its make-up,
    method of calculation and changes in its components, from publicly available
    information. That information reflects the policies of, and is subject to
    change by, STOXX Limited. Morgan Stanley makes no representation or warranty
    as to the accuracy or completeness of any information relating to the Euro
    STOXX 50 Index. STOXX Limited is under no obligation to continue to publish
    the Euro STOXX 50 Index and may discontinue publication of the Euro STOXX
    50 Index at any time. </FONT></font></P>
<P align="left"> <font color="#000000">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Euro
      STOXX 50 Index Composition and Maintenance. </FONT></I><FONT size=2 face="serif"> The
      Euro STOXX 50 Index is composed of 50 component stocks of market sector
      leaders from within the Dow Jones STOXX 600 Supersector Indices, which
      includes stocks selected from the Eurozone. The component stocks have a
      high degree of liquidity and represent the largest companies across all
      market sectors. </FONT></font></P>
<P align="center"> <FONT size=2 face="serif">A-1 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    composition of the Euro STOXX 50 Index is reviewed annually, based on the
    closing stock data on the last trading day in August. The component stocks
    are announced the first trading in September. Changes to the component stocks
    are implemented on the third Friday in September and are effective the following
    trading day. Changes in the composition of the Euro STOXX 50 Index are made
    to ensure that the Euro STOXX 50 Index includes the 50 market sector leaders
    from within the Euro STOXX Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    free float factors for each component stock used to calculate the Euro STOXX
    50 Index, as described below, are reviewed, calculated and implemented on
    a quarterly basis and are fixed until the next quarterly review. Each component&#146;s
    weight is capped at 10% of the index&#146;s total free float market capitalization. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Euro STOXX 50 Index is also reviewed on an ongoing basis. Corporate actions
    (including initial public offerings, mergers and takeovers, spin-offs, delistings
    and bankruptcy) that affect the Euro STOXX 50 Index composition are immediately
    reviewed. Any changes are announced, implemented and effective in line with
    the type of corporate action and the magnitude of the effect.</FONT><B><FONT size=2 face="serif"> </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Euro
      STOXX 50 Index Calculation. </FONT></I><FONT size=2 face="serif"> The Euro
      STOXX 50 Index is calculated with the &#147;Laspeyres formula,&#148; which
      measures the aggregate price changes in the component stocks against a
      fixed base quantity weight. The formula for calculating the Euro STOXX
      50 Index value can be expressed as follows: </FONT></P>
<P align="center"> &nbsp;&nbsp;&nbsp;&nbsp;<img src="a-2.jpg" width="394" height="42"></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The &#147;free
    float market capitalization of the Euro STOXX 50 Index&#148; is equal to
    the sum of the products of the closing price, market capitalization and free
    float factor for each component stock as of the time the Euro STOXX 50 Index
    is being calculated. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    divisor for the Euro STOXX 50 Index is adjusted to maintain the continuity
    of the Euro STOXX 50 Index values across changes due to corporate actions.
    The following is a summary of the adjustments to any component stock made
    for corporate actions and the effect of such adjustment on the divisor, where
    shareholders of the component stock will receive &#147;B&#148; number of
    shares for every &#147;A&#148; share held (where applicable). </FONT></P>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(1)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <I><FONT size=2 face="serif">Cash dividend:</FONT></I> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <p><FONT size=2 face="serif">Adjusted price = closing price &#150; announced
        dividend * (1 &#150; withholding tax) </FONT></p>
      <p><FONT size=2 face="serif">Divisor: decreases</FONT> </p></TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(2)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <I><FONT size=2 face="serif">Special cash dividend:</FONT></I> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <p><FONT size=2 face="serif">Adjusted price = closing price &#150; announced
        dividend * (1 &#150; withholding tax) </FONT></p>
      <p><FONT size=2 face="serif">Divisor: decreases</FONT> </p></TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(3)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <I><FONT size=2 face="serif">Split and reverse split:</FONT></I> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Adjusted price = closing price
        * A/B</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <p><FONT size=2 face="serif">New number of shares = old number
        of shares * B / A </FONT></p>
      <p><FONT size=2 face="serif">Divisor: no change</FONT> </p></TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(4)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <I><FONT size=2 face="serif">Rights offering:</FONT></I> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <p><FONT size=2 face="serif">Adjusted price = (closing price
          * A + subscription price * B) / (A + B)</FONT></p>
      <p><FONT size=2 face="serif"> New number of shares = old number
        of shares * (A + B) / A</FONT> </p></TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Divisor: increases</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
</TABLE>
<P align="center"> <FONT size=2 face="serif">A-2 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(5)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <I><FONT size=2 face="serif">Stock dividend:</FONT></I> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Adjusted price = closing price
        * A / (A + B)</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">New number of shares = old number
        of shares * (A + B) / A</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Divisor: no change</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(6)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <I><FONT size=2 face="serif">Stock dividend of another company:</FONT></I> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Adjusted price = (closing price
        * A - price of other company * B) / A</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Divisor: decreases</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(7)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <I><FONT size=2 face="serif">Return of capital and share
          consideration:</FONT></I> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Adjusted price = (closing price
        - dividend announced by company * (1-withholding tax)) * A / B</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">New number of shares = old number
        of shares * B / A</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Divisor: decreases</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(8)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <I><FONT size=2 face="serif">Repurchase shares / self tender:</FONT></I> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85% nowrap> <FONT size=2 face="serif">Adjusted price = ((price before
        tender * old number of shares ) - (tender price * number of tendered
        shares)) / (old number of<br>
&nbsp;&nbsp;&nbsp;      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares - number of tendered shares)</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">New number of shares = old number
        of shares - number of tendered shares</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Divisor: decreases</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(9)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <I><FONT size=2 face="serif">Spin-off:</FONT></I> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Adjusted price = (closing price
        * A - price of spun-off shares * B) / A</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">Divisor: decreases</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">(10)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <I><FONT size=2 face="serif">Combination stock distribution
          (dividend or split) and rights offering:</FONT></I> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width=85%> <FONT size=2 face="serif">For this corporate action, the
        following additional assumptions apply:</FONT> </TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><UL>
      <LI><FONT size=2 face="serif">Shareholders receive B new shares from the
          distribution and C new shares</FONT> <FONT size=2 face="serif">from
          the rights offering for every A shares held<br>
          <br>
          </FONT></LI>
      <LI> <FONT size=2 face="serif">If A is not equal to one share, all the
          following &#147;new number of shares&#148;</FONT> <FONT size=2 face="serif">formulae
          need to be divided by A:</FONT></LI>
    </UL></TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD> <FONT size=2 face="serif">- </FONT><I><FONT size=2 face="serif">If rights
    are applicable after stock distribution (one action applicable to other):</FONT></I><FONT size=2 face="serif">&nbsp; </FONT></TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD> <FONT size=2 face="serif">Adjusted price = (closing price * A + subscription
    price * C * (1 + B / A)) / ((A + B) * ( 1 + C / A)) </FONT></TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><P align="left"><FONT size=2 face="serif">New number of shares = old
          number of shares * ((A + B) * (1 + C / A)) / A </FONT></P>
      <P align="left"><FONT size=2 face="serif">Divisor: increases </FONT></P>
      <P align="left"><FONT size=2 face="serif">- </FONT><I><FONT size=2 face="serif">If
            stock distribution is applicable after rights (one action applicable
            to other):</FONT></I></P>
      <P align="left"><FONT size=2 face="serif">Adjusted price = (closing price
          * A + subscription price * C) / ((A + C) * (1 + B / A)) </FONT></P>
      <P align="left"><FONT size=2 face="serif">New number of shares = old number
    of shares * ((A + C) * (1 + B / A)) </FONT></P></TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
</TABLE>
<P align="center"><FONT size=2 face="serif">A-3 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif"> </FONT></P>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="85%"><P align="left"><FONT size=2 face="serif">Divisor: increases </FONT></P>
      <P align="left"> <FONT size=2 face="serif"> -</FONT><I><FONT size=2 face="serif"> Stock
            distribution and rights (neither action is applicable to the other):</FONT></I></P>
      <P align="left"><FONT size=2 face="serif">Adjusted price = (closing price
          * A + subscription price * C) / (A + B + C) </FONT></P>
      <P align="left"><FONT size=2 face="serif">New number of shares = old number
          of shares * (A + B +C) / A </FONT></P>
    <P align="left"> <FONT size=2 face="serif"> Divisor: increases </FONT></P></TD>
  </TR>
</TABLE>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between STOXX Limited and Morgan Stanley. </FONT></I><FONT size=2 face="serif"> STOXX
      Limited and Morgan Stanley have entered into a non-exclusive license agreement
      providing for the license to Morgan Stanley, and certain of its affiliated
      or subsidiary companies, in exchange for a fee, of the right to use the
      Euro STOXX 50 Index, which is owned and published by STOXX Limited, in
      connection with securities, including the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between STOXX Limited and Morgan Stanley provides that
    the following language must be set forth in this prospectus supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    notes are not sponsored, endorsed, sold or promoted by STOXX Limited. STOXX
    Limited makes no representation or warranty, express or implied, to the owners
    of the notes or any member of the public regarding the advisability of investing
    in securities generally or in the notes particularly. STOXX Limited&#146;s
    only relationship to Morgan Stanley is the licensing of certain trademarks,
    trade names and service marks of STOXX Limited and the Dow Jones EURO STOXX
    50</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index
    which is determined, composed and calculated by STOXX Limited without regard
    to Morgan Stanley or the notes. STOXX Limited has no obligation to take the
    needs of Morgan Stanley or the owners of the notes into consideration in
    determining, composing or calculating the Dow Jones EURO STOXX 50</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index.
    STOXX Limited is not responsible for and has not participated in the determination
    of the timing of, prices at, or quantities of the notes to be issued or in
    the determination or calculation of the equation by which the notes are to
    be converted into cash. STOXX Limited has no obligation or liability in connection
    with the administration, marketing or trading of the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">STOXX
    LIMITED DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE DOW
    JONES EURO STOXX 50</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> INDEX
    OR ANY DATA INCLUDED THEREIN AND STOXX LIMITED SHALL HAVE NO LIABILITY FOR
    ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. STOXX LIMITED MAKES NO WARRANTY,
    EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY MORGAN STANLEY, OWNERS
    OF THE NOTES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE DOW JONES
    EURO STOXX 50</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> INDEX
    OR ANY DATA INCLUDED THEREIN. STOXX LIMITED MAKES NO EXPRESS OR IMPLIED WARRANTIES,
    AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR
    A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE DOW JONES EURO STOXX 50</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> INDEX
    OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING,
    IN NO EVENT SHALL STOXX LIMITED HAVE ANY LIABILITY FOR ANY LOST PROFITS OR
    INDIRECT, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES OR LOSSES, EVEN IF NOTIFIED
    OF THE POSSIBILITY THEREOF. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY
    AGREEMENTS OR ARRANGEMENTS BETWEEN STOXX LIMITED AND MORGAN STANLEY.</FONT><B><FONT size=2 face="serif"> </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;Dow
    Jones EURO STOXX 50</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">&#148; and &#147;STOXX</FONT><SUP><FONT size=2
face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">&#148; are registered
    trademarks of STOXX Limited and have been licensed for use for certain purposes
    by Morgan Stanley. The notes are not sponsored, endorsed, sold or promoted
    by STOXX Limited, and STOXX Limited makes no representation regarding the
    advisability of investing in the notes. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Dow Jones Industrial Average</FONT></B><B><SUP><FONT size=2 face="serif">SM</FONT></SUP></B><B><FONT size=2 face="serif"> </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Dow Jones Industrial Average</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif">,
    which we refer to as the DJIA</FONT><SUP><FONT size=2
face="serif">SM</FONT></SUP><FONT size=2 face="serif">, is a price-weighted index
    composed of 30 common stocks selected at the discretion of the editors of
    The Wall Street Journal (the &#147;WSJ&#148;), which is published by Dow
    Jones</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif"> &amp; Company,
    Inc., which we refer to as Dow Jones, as representative of the broad market
    of U.S. industry. Morgan Stanley obtained all information contained in this
    prospectus supplement regarding the DJIA, including, without limitation,
    its make-up, method of calculation and changes in its components, from </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-4 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">publicly available information. That
    information reflects the policies of, and is subject to change by, Dow Jones.
    Morgan Stanley makes no representation or warranty as to the accuracy or
    completeness of any information relating to the DJIA. Dow Jones is under
    no obligation to continue to publish the DJIA and may discontinue publication
    of the DJIA at any time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">There
    are no pre-determined criteria for selection of a component stock except
    that component companies represented by the DJIA should be established U.S.
    companies that are leaders in their industries. The DJIA serves as a measure
    of the entire U.S. market such as financial services, technology, retail,
    entertainment and consumer goods and is not limited to traditionally defined
    industrial stocks. Changes in the composition of the DJIA are made entirely
    by the editors of the WSJ without consultation with the component companies
    represented in the DJIA, any stock exchange, any official agency or us. In
    order to maintain continuity, changes to the component stocks included in
    the DJIA tend to be made infrequently and generally occur only after corporate
    acquisitions or other dramatic shifts in a component company&#146;s core
    business. When one component stock is replaced, the entire index is reviewed.
    As a result, multiple component changes are often implemented simultaneously.
    The component stocks of the DJIA may be changed at any time for any reason.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    DJIA is price weighted rather than market capitalization weighted. Therefore,
    the component stock weightings are affected only by changes in the stocks&#146; prices,
    in contrast with the weightings of other indices that are affected by both
    price changes and changes in the number of shares outstanding. The value
    of the DJIA is the sum of the primary exchange prices of each of the 30 common
    stocks included in the DJIA, divided by a divisor. The divisor is changed
    in accordance with a mathematical formula to adjust for stock dividends,
    stock splits and other corporate actions. The current divisor of the DJIA
    is published daily in the WSJ and other publications. While this methodology
    reflects current practice in calculating the DJIA, no assurance can be given
    that Dow Jones will not modify or change this methodology in a manner that
    may affect the return on your investment. </FONT></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT size=2 face="serif">The formula used to calculate divisor
    adjustments is: </FONT></P>
<P align="center"><img src="a-5.jpg" width="363" height="32"></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between Dow Jones and Morgan Stanley. </FONT></I><FONT size=2 face="serif">Dow
      Jones and Morgan Stanley have entered into a non-exclusive license agreement
      providing for the license to Morgan Stanley, and certain of its affiliated
      or subsidiary companies, in exchange for a fee, of the right to use the
      DJIA, which is owned and published by Dow Jones, in connection with securities,
      including the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between Dow Jones and Morgan Stanley provides that the
    following language must be set forth in this prospectus supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    notes are not sponsored, endorsed, sold or promoted by Dow Jones. Dow Jones
    makes no representation or warranty, express or implied, to the owners of
    the notes or any member of the public regarding the advisability of investing
    in securities generally or in the notes particularly. Dow Jones&#146; only
    relationship to Morgan Stanley is the licensing of certain trademarks, trade
    names and service marks of Dow Jones and of the DJIA</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif"> which
    is determined, composed and calculated by Dow Jones without regard to Morgan
    Stanley or the notes. Dow Jones has no obligation to take the needs of Morgan
    Stanley or the owners of the notes into consideration in determining, composing
    or calculating the DJIA</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif">.
    Dow Jones is not responsible for and has not participated in the determination
    of the timing of, prices at, or quantities of the notes to be issued or in
    the determination or calculation of the equation by which the notes are to
    be converted into cash. Dow Jones has no obligation or liability in connection
    with the administration, marketing or trading of the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">DOW
    JONES DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE DOW
    JONES INDUSTRIAL AVERAGE</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif"> OR
    ANY DATA INCLUDED THEREIN AND DOW JONES SHALL HAVE NO LIABILITY FOR ANY ERRORS,
    OMISSIONS, OR INTERRUPTIONS THEREIN. DOW JONES MAKES NO WARRANTY, EXPRESS
    OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY MORGAN STANLEY, OWNERS OF THE
    NOTES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE DOW JONES INDUSTRIAL
    AVERAGE</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif"> OR
    ANY DATA INCLUDED THEREIN. DOW JONES MAKES NO EXPRESS OR IMPLIED WARRANTIES,
    AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-5 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">MERCHANTABILITY OR FITNESS FOR A PARTICULAR
    PURPOSE OR USE WITH RESPECT TO THE DOW JONES INDUSTRIAL AVERAGE</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif"> OR
    ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT
    SHALL DOW JONES HAVE ANY LIABILITY FOR ANY LOST PROFITS OR INDIRECT, PUNITIVE,
    SPECIAL OR CONSEQUENTIAL DAMAGES OR LOSSES, EVEN IF NOTIFIED OF THE POSSIBILITY
    THEREOF. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS
    BETWEEN DOW JONES AND MORGAN STANLEY. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;Dow
    Jones</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif">,&#148; &#147;DJIA</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2
face="serif">&#148; and &#147;Dow Jones Industrial Average</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif">&#148; are
    service marks of Dow Jones and have been licensed for use by Morgan Stanley.
    The notes are not sponsored, endorsed, sold or promoted by Dow Jones, and
    Dow Jones makes no representation regarding the advisability of investing
    in the notes. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">FTSE</FONT></B><B><SUP><FONT size=2 face="serif">TM</FONT></SUP></B><B><FONT size=2 face="serif"> 100
      Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    FTSE</FONT><SUP><FONT size=2 face="serif">TM</FONT></SUP><FONT size=2 face="serif"> 100
    Index is calculated, published and disseminated by FTSE International Limited
    (&#147;FTSE&#148;), a company owned equally by the London Stock Exchange
    Plc (the &#147;LSE&#148;) and the Financial Times Limited (the &#147;FT&#148;),
    in association with the Institute and the Faculty of Actuaries. Morgan Stanley
    obtained all information contained in this prospectus supplement regarding
    the FTSE 100 Index, including, without limitation, its make-up, method of
    calculation and changes in its components, from publicly available information.
    That information reflects the policies of, and is subject to change by, FTSE.
    Morgan Stanley makes no representation or warranty as to the accuracy or
    completeness of any information relating to the FTSE 100 Index. FTSE is under
    no obligation to continue to publish the FTSE 100 Index and may discontinue
    publication of the FTSE 100 Index at any time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    FTSE 100 Index was first calculated on January 3, 1984 with an initial base
    level index value of 1,000 points. Publication of the FTSE 100 Index began
    in February 1984. Real-time FTSE indices are calculated on systems managed
    by Reuters. Prices and FX rates used are supplied by Reuters. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    FTSE 100 Index is a free float adjusted index which measures the composite
    price performance of stocks of the largest 100 companies (determined on the
    basis of market capitalization) traded on the LSE. The 100 stocks included
    in the FTSE 100 Index (the &#147;FTSE Underlying Stocks&#148;) are selected
    from a reference group of stocks trading on the LSE which are in turn selected
    by excluding certain stocks that have low liquidity based on public float,
    accuracy and reliability of prices, size and number of trading days. The
    FTSE Underlying Stocks are selected from this reference group by selecting
    100 stocks with the largest market value. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">FTSE,
    the publisher of the FTSE 100 Index, is responsible for calculating, publishing
    and disseminating the FTSE 100 Index. The FTSE 100 Index is overseen by the
    FTSE&#146;s Europe/Middle East/Africa Committee (the &#147;FTSE EMEA Committee&#148;),
    which is made up of independent senior industry representatives, which is
    responsible for the index review process.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">FTSE
    can add, delete or substitute the stocks underlying the FTSE 100 Index or
    make other methodological changes that could change the value of the FTSE
    100 Index. FTSE may discontinue or suspend calculation or dissemination of
    the FTSE 100 Index. The FTSE EMEA Committee reviews the FTSE Underlying Stocks
    quarterly in March, June, September and December in order to maintain continuity
    in the index level. FTSE prepares information regarding possible companies
    to be included or excluded from the FTSE 100 Index using the close of business
    figures from the Tuesday before a review. The review is then presented to
    the FTSE EMEA Committee for approval. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Changes
    to the constituents can be prompted by new listings on the exchange, corporate
    actions (</FONT><I><FONT size=2 face="serif">e.g.</FONT></I><FONT size=2 face="serif">,
    mergers and acquisitions) or an increase or decrease in a market capitalization.
    The FTSE Underlying Stocks may be replaced, if necessary, in accordance with
    deletion/addition rules which provide generally for the removal and replacement
    of a stock from the FTSE 100 Index if such stock is delisted or its issuer
    is subject to a takeover offer that has been declared unconditional or it
    has ceased, in the opinion of the FTSE EMEA Committee, to be a viable component
    of the FTSE 100 Index. To maintain continuity, a stock will be added at the
    quarterly review if it has risen to 90</FONT><SUP><FONT size=2 face="serif">th</FONT></SUP><FONT size=2 face="serif"> place
    or above and a stock will be deleted if at the quarterly review it has fallen
    to 111</FONT><SUP><FONT size=2 face="serif">th</FONT></SUP><FONT size=2 face="serif"> place
    or below, in each case ranked on the basis of market capitalization. Where
    a greater number of companies qualify to be inserted in the FTSE 100 Index
    than those qualifying to be deleted, the lowest ranking constituents presently
    included in the FTSE 100 Index will be deleted to ensure that an equal number
    of companies are inserted and </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-6 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">deleted at the periodic review. Likewise,
    where a greater number of companies qualify to be deleted than those qualifying
    to be inserted, the securities of the highest ranking companies which are
    presently not included in the index will be inserted to match the number
    of companies being deleted at the periodic review. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    FTSE 100 Index is obtained by: (i) calculating the sum of the products of
    the per share price of each stock included in the FTSE 100 Index by the number
    of their respective outstanding shares (such sum, the &#147;FTSE Aggregate
    Market Value&#148;) as of the relevant current date and (ii) dividing the
    FTSE Aggregate Market Value as of the relevant current date by a divisor
    which represents the adjustments to the FTSE Aggregate Market Value as of
    the base date. The divisor is continuously adjusted to reflect changes, without
    distorting the FTSE 100 Index, in the issued share capital of individual
    underlying stocks, including the deletion and addition of stocks, the substitution
    of stocks, stock dividends and stock splits. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">All
    rights to the FTSE 100 Index are owned by the FTSE, the publisher of the
    FTSE 100 Index. Morgan Stanley, the Calculation Agent and the Trustee disclaim
    all responsibility for the calculation or other maintenance of or any adjustments
    to the FTSE 100 Index. In addition, none of the LSE, the Financial Times
    and FTSE has any relationship to Morgan Stanley or the notes. None of the
    LSE, the Financial Times and the FTSE sponsors, endorses, authorizes, sells
    or promotes the notes, or has any obligation or liability in connection with
    the administration, marketing or trading of the notes or with the calculation
    of the payment at maturity. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between FTSE International Limited and Morgan Stanley. </FONT></I><FONT size=2 face="serif">The
      license agreement between FTSE International Limited and Morgan Stanley
      provides that the following language must be set forth in this prospectus
      supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">These
    notes are not in any way sponsored, endorsed, sold or promoted by FTSE or
    by LSE or by FT and neither FTSE or LSE or FT makes any warranty or representation
    whatsoever, expressly or impliedly, either as to the results to be obtained
    from the use of the FTSE 100 Index and/or the figure at which the said Index
    stands at any particular time on any particular day or otherwise. The FTSE
    100 Index is compiled and calculated solely by FTSE. However, neither FTSE
    or LSE or FT shall be liable (whether in negligence or otherwise) to any
    person for any error in the FTSE 100 Index and neither FTSE or LSE or FT
    shall be under any obligation to advise any person of any error therein. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;FTSE</FONT><SUP><FONT size=2 face="serif">TM</FONT></SUP><FONT size=2 face="serif">&#148; and &#147;Footsie</FONT><SUP><FONT size=2 face="serif">TM&#148;</FONT></SUP><FONT size=2
face="serif"> are trademarks of London Stock Exchange Plc and The Financial Times
    Limited and are used by FTSE International Limited under license. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Hang Seng</FONT></B><B><SUP><FONT size=2 face="serif">&#174;</FONT></SUP></B><B><FONT size=2 face="serif"> Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Hang Seng</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index
    is compiled, published and managed by HSI Services Limited, a wholly owned
    subsidiary of the Hang Seng Bank, and was first calculated and published
    on November 24, 1969. The HSI is a market capitalization weighted stock market
    index in the Stock Exchange of Hong Kong Ltd. (the &#147;SEHK&#148;) and
    purports to be an indicator of the performance of the Hong Kong stock market.
    Morgan Stanley has derived all information contained in this prospectus supplement
    regarding the Hang Seng Index, including, without limitation, its make-up,
    method of calculation and changes in its components, from publicly available
    information. Such information reflects the policies of, and is subject to
    change by HSI Services Limited. The Hang Seng Index was developed by HSI
    Services Limited and is calculated, maintained and published by HSI Services
    Limited. Morgan Stanley makes no representation or warranty as to the accuracy
    or completeness of such information. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Only
    companies with a primary listing on the main board of the SEHK are eligible
    as constituents of the Hang Seng Index. Mainland China enterprises that have
    an H-share listing in Hong Kong are eligible for inclusion in the Hang Seng
    Index when they meet any one of the following conditions: (1) the H-share
    company has 100% of its ordinary share capital in the form of H-shares which
    are listed on the SEHK; (2) the H-share company has completed the process
    of share reform, with the result that there is no unlisted share capital
    in the company; or (3) for new H-share initial public offerings, the company
    has no unlisted share capital. For any H-share company included in the Hang
    Seng Index, only the H-share portion of the share capital of the company
    will be used for index calculation, subject to free float adjustment. H-shares
    are shares of mainland China companies listed on SEHK. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-7 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">To be
    eligible for selection in the Hang Seng Index, a company: (1) must be among
    those that constitute the top 90% of the total market value of all primary
    shares listed on the SEHK (market value is expressed as an average of the
    past 12 months); (2) must be among those that constitute the top 90% of the
    total turnover of all primary listed shares on the SEHK (turnover is aggregated
    and individually assessed for eight quarterly sub-periods for the past 24
    months); and (3) should normally have a listing history of 24 months. From
    the candidates, final selections are based on the following: (1) the market
    value and turnover rankings of the companies; (2) the representation of the
    sub-sectors within the Hang Seng Index directly reflecting that of the market;
    and (3) the financial performance of the companies.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif"> Calculation Methodology. </FONT></I><FONT size=2 face="serif">From
    September 11, 2006, and phased in over a period of 12 months from September
    2006 to September 2007, the calculation methodology of the Hang Seng Index
    has been changed from a full market capitalization weighting to a free float-adjusted
    market capitalization weighting. Under this calculation methodology, the
    following shareholdings are viewed as strategic in nature and excluded for
    calculation: shares held by strategic shareholders who individually or collectively
    control more than 30% of the shareholdings; shares held by directors who
    individually control more than 5% of the shareholdings; shares held by a
    Hong Kong-listed company which controls more than 5% of the shareholdings
    as investments; and shares held by a shareholders who individually or collectively
    represent more than 5% of the shareholdings in the company and with a publicly
    disclosed lock-up management. A free float adjustment factor representing
    the proportion of shares that is free floated as a percentage of the issued
    shares, is rounded up to the nearest multiple of 5% for the calculation of
    the Hang Seng Index and is updated half-yearly. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">A cap
    of 15% on individual stock weightings is applied. A cap factor is calculated
    half-yearly to coincide with the regular update of the free float adjustment
    factor. Additional re-capping is performed upon constituent changes.</FONT><FONT size=2 face="sans-serif"> </FONT></P>
<P align="left"> <I><FONT size=2 face="serif">License Agreement between HSI Services
      Limited and Morgan Stanley. </FONT></I><FONT size=2 face="serif">&#147;Hang
      Seng</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index&#148; is
      a trademark of HSI Services Limited and has been licensed for use by Morgan
      Stanley. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">All
    information in this prospectus supplement regarding the Hang Seng Index including,
    without limitation, its make-up, method calculation and changes in its components,
    is derived from publicly available information. Such information reflects
    the policies of, and is subject to change by HSI Services Limited or any
    of its affiliates (the &#147;HS Index Sponsor&#148;) and Hang Seng Data Services
    Limited. The HS Index Sponsor has no obligation to Hang Seng Index in connection
    with the issuance of certain securities, including the notes. Morgan Stanley
    is not affiliated with the HS Index Sponsor; the only relationship between
    the HS Index Sponsor and Morgan Stanley is the licensing of the use of Hang
    Seng Index and trademarks related to the Hang Seng Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Hang Seng Index is published and compiled by HSI Services Limited pursuant
    to a license from Hang Seng Data Services Limited. The mark and name &#147;Hang
    Seng</FONT><SUP><FONT size=2
face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index&#148; is proprietary
    to Hang Seng Data Services Limited. HSI Services Limited and Hang Seng Data
    Services Limited have agreed to the use of, and reference to, the Hang Seng
    Index by Morgan Stanley in connection with the notes, but neither HSI Services
    Limited nor Hang Seng Data Services Limited warrants or represents or guarantees
    to any broker or holder of the notes or any other person the accuracy or
    completeness of the Hang Seng Index and its computation or any information
    related thereto and no warranty or representation or guarantee of any kind
    whatsoever relating to the Hang Seng Index is given or may be implied. The
    process and basis of computation and compilation of the Hang Seng Index and
    any of the related formula or formulae, constituent stocks and factors may
    at any time be changed or altered by HSI Services Limited without notice.
    No responsibility or liability is accepted by HSI Services Limited or Hang
    Seng Data Services Limited in respect of the use of and/or reference to the
    Hang Seng Index by Morgan Stanley in connection with the notes, or for any
    inaccuracies, omissions, mistakes or errors of HSI Services Limited in the
    computation of the Hang Seng Index or for any economic or other loss which
    may be directly or indirectly sustained by any broker or holder of the notes
    for any other person dealing with the notes as a result thereof and no claims,
    actions or legal proceedings may be brought against HSI Services Limited
    and/or Hang Seng Data Services Limited in connection with the notes in any
    manner whatsoever by any broker, holder or other person dealing with the
    notes. Any broker, holder or other person dealing with the notes does so
    therefore in full knowledge of this disclaimer and can place no reliance
    whatsoever on HSI Services Limited and Hang Seng Data Services Limited. For
    the avoidance of doubt, this disclaimer does not create any contractual or
    quasi-contractual relationship between any broker, holder or other person
    and HSI Services Limited and/or Hang Seng Data Services Limited and must
    not be construed to have created such relationship. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-8 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <B><FONT size=2 face="serif">KOSPI 200 Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Unless
    otherwise stated, all information regarding the KOSPI 200 Index is derived
    from the Korea Stock Exchange (&#147;KSE&#148;) or other publicly available
    sources. Such information reflects the policies of KSE as stated in such
    sources, and such policies are subject to change by KSE. Morgan Stanley does
    not assume any responsibility for the accuracy or completeness of such information.
    KSE is under no obligation to continue to publish the KOSPI 200 Index and
    may discontinue publication of the KOSPI 200 Index at any time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    KOSPI 200 Index is a market capitalization based index and was developed
    as an underlying index for derivatives products (index futures and index
    options) traded on the KRX-Futures Market. The calculation of the value of
    the KOSPI 200 Index (discussed below in further detail) is based on the relative
    value of the aggregated current Market Value (as defined below) of the common
    stocks of 200 companies (the &#147;Constituent Stocks&#148;) as of a particular
    time as compared to the aggregated average Market Value of the common stocks
    of 200 companies at the base date of January 3, 1990. The current &#147;Market
    Value&#148; of any Constituent Stock is the product of the market price per
    share and the number of the then outstanding shares of such Constituent Stock.
    KSE chooses companies for inclusion in the KOSPI 200 Index with an aim of
    accurately representing overall market movement. KSE may from time to time,
    in its sole discretion, add companies to, or delete companies from, the KOSPI
    200 Index to achieve the objectives stated above. The KOSPI 200 Index selects
    stocks of companies that belong to one of eight industry groups, whose market
    capitalization is at least 1% of the total market capitalization. The capitalization
    requirement ensures the high percentage of market capitalization of Constituent
    Stocks against the total. Stocks initially listed or relisted after May 1
    of the year preceding the year of the periodic realignment review date, stocks
    designated as administrative issue as of the periodic realignment review
    date, stocks of securities investment companies, issues of liquidation sale
    and stocks deemed unsuitable are ineligible to become a Constituent Stock
    of the KOSPI 200 Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Basic
    selection criteria are the average market capitalization obtained by dividing
    the aggregated value (attained by multiplying the closing price of the listed
    common shares by the number of listed common shares for one year from April
    of the year preceding the year to which the periodic realignment review date
    belongs), by 12, and the sum of daily trading value for the same period.
    In the case of a stock which has been reclassified under a different industry
    group, such stock is grouped with the newly classified industry group. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">First,
    the Constituent Stocks from non-manufacturing industries are chosen on the
    basis of rank order of average monthly market capitalization, while ensuring
    that the accumulated market capitalization of a stock is at least 70% of
    the total market capitalization of the same industry group. The number of
    stocks selected is considered as is the number of Constituent Stocks chosen
    from the same industry group. However, a stock is excluded if its ranking
    of annual trading value is below 85% of the same industry group, and a stock
    that satisfies the trading value requirement is chosen from among the stocks
    whose market capitalization is ranked next. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Second,
    the Constituent Stocks from the manufacturing industry are selected by rank
    order of market capitalization, while ensuring that annual trading value
    of stocks are ranked above 85% of the industry group. The number of the stocks
    selected from the manufacturing industry is the number obtained by subtracting
    the number of Constituent Stocks chosen from the non-manufacturing industry
    group from 200. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Notwithstanding
    the above criteria, a stock whose market capitalization is within the top
    50 of its industry group may be included in the constituents. The KOSPI Maintenance
    Committee (the &#147;KOSPI Committee&#148;) makes the decision while taking
    into account such factors as the percentage of market capitalization of the
    industry group to the total and the liquidity of such stock. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">To ensure
    that the KOSPI 200 Index accurately represents the overall market movement,
    its Constituent Stocks are realigned as the need arises. There are two types
    of realignments: periodic realignment and special realignment. Periodic realignment
    takes place regularly once a year, on the trading day following the day which
    is the last trading day of June contracts of both the index futures and index
    options. Special realignment takes place at the time when a stock has to
    be excluded from the constituents as a result of, for instance, delisting,
    designation as administrative issue or a merger. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-9 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    method of periodic realignment is similar to the method used for selection
    of Constituent Stocks. However, to maintain constancy of the KOSPI 200 Index,
    a replacement stock must both satisfy the criteria for selection of Constituent
    Stocks, and its ranking of market capitalization should be within 90% of
    total market capitalization of the constituents of the same industry group.
    However, even if an existing Constituent Stock does not satisfy the criteria
    for selection of Constituent Stocks, such stock remains a constituent as
    long as its ranking of market capitalization is within 110% of the market
    capitalization of the constituents. In the case of a stock with a market
    capitalization ranking that has reached 90% of the total market capitalization
    of the constituents of the same industry group, such stock is excluded unless
    there is an existing Constituent Stock whose ranking falls below 110% of
    the constituents. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Special
    realignment is carried out by choosing a stock from a replacement list prepared
    beforehand in a priority order by industry group. In the event that the replacement
    list includes no stock for a specific industry, a stock is chosen from the
    manufacturing industry group. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In cases
    where there is an initial listing of a stock that is deemed to have high
    liquidity and is worthy in terms of its impact on KOSPI 200 Index, a Constituent
    Stock is merged into non-Constituent Stock or a company is established as
    result of merger between the constituent, it is possible to include before
    the periodic realignment date. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    level of the KOSPI 200 Index reflects the total current Market Value of all
    200 Constituent Stocks relative to the base index of the KOSPI 200 Index
    as of the base date of January 3, 1990 (the &#147;Base Index.&#148;), which
    is 100. An indexed number is used to represent the results of this calculation. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    actual aggregate Market Value of the Constituent Stocks at the base date
    (the &#147;KOSPI 200 Base Market Value&#148;) has been set. In practice,
    the calculation of the KOSPI 200 Index is computed by dividing the total
    current aggregated Market Value of the Constituent Stocks by the KOSPI 200
    Base Market Value and then multiplying by the Base Index of 100. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In order
    to maintain the consistency of the KOSPI 200 Index, the Market Value and
    KOSPI 200 Base Market Value can be readjusted. Readjustment includes changing
    the KOSPI 200 Base Market Value when there is an event, such as a distribution
    of rights or dividends, that affects the stock price, in order to equalize
    the stock price index on the day before the event and the stock price index
    on the day of the event. The following formula is used: </FONT></P>
<P align="left"><img src="a10-1.jpg"> </P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Current
    Market Value increases or decreases when there is a rights offering a new
    listing, a delisting or merger. Therefore, to maintain consistency, the KOSPI
    200 Base Market Value is adjusted when there is a change in current Market
    Value, using the following formula: </FONT></P>
<P align="left"><img src="a10-2.jpg"> </P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    KOSPI Committee is charged with reviewing matters relating to calculation
    and management of the KOSPI 200 Index. The KOSPI Committee is composed of
    10 members who are chosen as representatives of institutional investors and
    securities related institutions, legal and accounting professions, and professors
    and researchers. The KOSPI Committee is responsible for matters relating
    to the calculation method of the KOSPI 200 Index; matters relating to selection
    and realignment of KOSPI 200 Constituent Stocks; matters relating to establishment,
    amendment and abolishment of the criteria for selection of KOSPI 200 Constituent
    Stocks; and any other matters that are requested by the chief executive officer
    of the KSE. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Regular
    meetings of the KOSPI Committee are held in May of each year for the purpose
    of realigning the Constituent Stocks, but a special meeting can be called
    if need arises. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-10 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Although
    KSE currently employs the above methodology to calculate the KOSPI 200 Index,
    we cannot assure you that KSE will not modify or change this methodology
    in a manner that may affect the return on your investment. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between the Korean Stock Exchange and Morgan Stanley. </FONT></I><FONT size=2 face="serif">We
      have been granted by KSE a non-transferable, non-exclusive license to use
      the KOSPI 200 Index as a component of the notes and refer to the KOSPI
      200 Index in connection with the marketing and promotion of notes and in
      connection with making such disclosure about the notes. We acknowledge
      that the KOSPI 200 Index is selected, compiled, coordinated, arranged and
      prepared by KSE, respectively, through the application of methods and standards
      of judgment used and developed through the expenditure of considerable
      work, time and money by KSE. We acknowledge that KOSPI 200 Index and the
      KOSPI marks are the exclusive property of KSE, that KSE has and retains
      all property rights therein (including, but not limited to trademarks and
      copyrights) and that the KOSPI 200 Index and its compilation and composition
      and changes therein are in the complete control and sole discretion of
      KSE. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">MSCI EAFE Index</FONT></B><B><SUP><FONT size=2 face="serif">&#174;</FONT></SUP></B><B><FONT size=2 face="serif"> </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    MSCI EAFE Index</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> is
    a stock index calculated, published and disseminated daily by MSCI, a majority-owned
    subsidiary of Morgan Stanley, through numerous data vendors, on the MSCI
    website and in real time on Bloomberg Financial Markets and Reuters Limited.
    See &#147;&#151;Affiliation of MSCI, MS &amp; Co. and Morgan Stanley&#148; below. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Morgan
    Stanley obtained all information contained in this prospectus supplement
    regarding the MSCI EAFE Index, including, without limitation, its make-up,
    method of calculation and changes in its components, from publicly available
    information. That information reflects the policies of, and is subject to
    change by, MSCI. Neither MSCI nor Morgan Stanley has any obligation to continue
    to calculate and publish, and may discontinue calculation and publication
    of the MSCI EAFE Index.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    MSCI EAFE Index is intended to provide performance benchmarks for the developed
    equity markets in Australia and New Zealand and in Europe and Asia, which
    are Austria, Belgium, Denmark, Finland, France, Germany, Greece, Hong Kong,
    Ireland, Italy, Japan, the Netherlands, Norway, Portugal, Singapore, Spain,
    Sweden, Switzerland and the United Kingdom. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Index
      Calculation. </FONT></I><FONT size=2 face="serif">The performance of the
      MSCI EAFE Index is a free float weighted average of the U.S. dollar values
      of all of the equity securities (the &#147;Component Securities&#148;)
      constituting the MSCI indexes for the 21 selected countries (the &#147;Component
      Country Indices&#148;). Each Component Country Index is a sampling of equity
      securities across industry groups in such country&#146;s equity markets.
      See &#147;&#151;Maintenance of the MSCI EAFE Index and the Component Country
      Indices&#148; below. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Prices
    used to calculate the Component Securities are the official exchange closing
    prices or prices accepted as such in the relevant market. In general, all
    prices are taken from the main stock exchange in each market. Closing prices
    are converted into U.S. dollars using the closing exchange rates calculated
    by The WM Company at 5 p.m. Central Europe Time. The U.S. dollar value of
    the MSCI EAFE Index is calculated based on the free float-adjusted market
    capitalization in U.S. dollars of the Component Securities. The MSCI EAFE
    Index was launched on December 31, 1969 at an initial value of 100. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Maintenance
      of the MSCI EAFE Index and the Component Country Indices. </FONT></I><FONT size=2 face="serif">In
      order to maintain the representativeness of the MSCI EAFE Index, structural
      changes to the MSCI EAFE Index as a whole may be made by adding or deleting
      Component Country Indices and the related Component Securities. Currently,
      such changes in the MSCI EAFE Index may only be made on four dates throughout
      the year: after the last scheduled index close of each February, May, August
      and November.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">MSCI
    may add additional Component Country Indices to the MSCI EAFE Index or subtract
    one or more of its current Component Country Indices prior to the expiration
    of the notes. Any such adjustments are made to the MSCI EAFE Index so that
    the value of the MSCI EAFE Index at the effective date of such change is
    the same as it was immediately prior to such change. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-11 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Each
    Component Country Index is maintained with the objective of reflecting, on
    a timely basis, the evolution of the underlying equity markets. In maintaining
    each Component Country Index, emphasis is also placed on its continuity,
    replicability and on minimizing turnover in the MSCI EAFE Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">MSCI
    classifies index maintenance in three broad categories. The first consists
    of ongoing event-related changes, such as mergers and acquisitions, which
    are generally implemented in the indices in which they occur. The second
    category consists of quarterly index reviews, aimed at promptly reflecting
    other significant market events. The third category consists of full Component
    Country Index reviews that systematically re-assess the various dimensions
    of the equity universe for all countries simultaneously and are conducted
    on a fixed annual timetable. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Ongoing
    event-related changes to the indices are the result of mergers, acquisitions,
    spin-offs, bankruptcies, reorganizations and other similar corporate events.
    They can also result from capital reorganizations in the form of rights issues,
    bonus issues, public placements and other similar corporate actions that
    take place on a continuing basis. These changes are reflected in the indices
    at the time of the event. All changes resulting from corporate events are
    announced prior to their implementation, provided all necessary information
    on the event is available. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    quarterly index review process is designed to ensure that the indices continue
    to be an accurate reflection of evolving equity markets. This goal is achieved
    by rapidly reflecting significant market driven changes that were not captured
    in the MSCI EAFE Index at the time of their actual occurrence and that should
    not wait until the annual full Component Country Index review due to their
    importance. These quarterly index reviews may result in additions and deletions
    of Component Securities from a Component Country Index and changes in &#147;foreign
    inclusion factors&#148; and in number of shares. Additions and deletions
    to Component Securities may result from: the addition or deletion of securities
    due to the significant over- or under-representation of one or more industry
    groups as a result of mergers, acquisitions, restructurings or other major
    market events affecting the industry group; the addition or deletion of securities
    resulting from changes in industry classification, significant increases
    or decreases in free float or relaxation/removal or decreases of foreign
    ownership limits not implemented immediately; the additions of large companies
    that did not meet the minimum size criterion for inclusion at the time of
    their initial public offering or secondary offering; the replacement of companies
    which are no longer suitable industry representatives; the deletion of securities
    whose overall free float has fallen to less than 15% and that do not meet
    specified criteria; the deletion of securities that have become very small
    or illiquid; the replacement of securities resulting from the review of price
    source for Component Securities with both domestic and foreign board quotations;
    and the addition or deletion of securities as a result of other market events.
    Significant changes in free float estimates and corresponding changes in
    the foreign inclusion factor for Component Securities may result from: large
    market transactions involving strategic shareholders that are publicly announced;
    secondary offerings that, given lack of sufficient notice, were not reflected
    immediately; increases in foreign ownership limits; decreases in foreign
    ownership limits not applied earlier; corrections resulting from the reclassification
    of shareholders from strategic to non-strategic, and vice versa; updates
    to foreign inclusion factors following the public disclosure of new shareholder
    structures for companies involved in mergers, acquisitions or spin-offs,
    where different from MSCI&#146;s pro forma free float estimate at the time
    of the event; large conversions of exchangeable bonds and other similar securities
    into already existing shares; the end of lock-up periods or expiration of
    loyalty incentives for non-strategic shareholders; and changes in the foreign
    inclusion factor as a result of other events of similar nature. Changes in
    the number of shares are generally small and result from, for example, exercise
    of options or warrants, conversion of convertible bonds or other instruments
    or share buybacks. The implementation of changes resulting from quarterly
    index reviews occurs on only three dates throughout the year: as of the close
    of the last business day of February, August and November. The results of
    the quarterly index reviews are announced at least two weeks prior to their
    implementation. Any country may be impacted at the quarterly index review.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    annual full Component Country Index review includes a re-appraisal of the
    free float-adjusted industry group representation within a country relative
    to the 85% target, a detailed review of the shareholder information used
    to estimate free float for Component and non-Component Securities, updating
    the minimum size guidelines for new and existing Component Securities, as
    well as changes typically considered for quarterly index reviews. During
    a full Component Country Index review, securities may be added or deleted
    from a Component Country Index for a range of reasons, including the reasons
    discussed in the preceding sentence and the reasons for Component Securities
    changes during quarterly index reviews as discussed above. The results of
    the annual full Component Country Index reviews are announced at least two
    weeks in advance of their effective implementation date as of the close of
    the last business day in May. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-12 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Index
    maintenance also includes monitoring and completing the adjustments for share
    changes, stock splits, stock dividends, and stock price adjustments due to
    company restructurings or spinoffs. Index maintenance of the Component Country
    Indices is reflected in the MSCI EAFE Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Selection
      of Component Securities and Calculating and Adjusting for Free Float. </FONT></I><FONT size=2 face="serif">The
      selection of the Component Securities for each Component Country Index
      is based on the following guidelines: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(i) Define the universe of listed
    securities within each country; </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(ii)
    Adjust the total market capitalization for each security for its respective
    free float available to foreign investors; </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(iii) Classify securities into industry
    groups under the Global Industry Classification Standard (GICS); and </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(iv) Select securities for inclusion
    according to MSCI&#146;s index construction rules and guidelines. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">To determine
    the free float of a security, MSCI considers the proportion of shares of
    such security available for purchase in the public equity markets by international
    investors. In practice, limitations on the investment opportunities for international
    investors include: strategic stakes in a company held by private or public
    shareholders whose investment objective indicates that the shares held are
    not likely to be available in the market; limits on the proportion of a security&#146;s
    share capital authorized for purchase by non-domestic investors; or other
    foreign investment restrictions which materially limit the ability of foreign
    investors to freely invest in a particular equity market, sector or security. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">MSCI
    will then derive a &#147;foreign inclusion factor&#148; for the company that
    reflects the percentage of the total number of shares of the company that
    are not subject to strategic shareholdings and/or foreign shareholder ownership
    or investment limits. MSCI will then &#147;float-adjust&#148; the weight
    of each constituent company in an index by the company&#146;s foreign inclusion
    factor. Typically, securities with a free float adjustment ratio of .15 or
    less will not be eligible for inclusion in MSCI&#146;s indices. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Once
    the free float factor has been determined for a security, the security&#146;s
    total market capitalization is then adjusted by such free float factor, resulting
    in the free float-adjusted market capitalization figure for the security.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">These
    guidelines and the policies implementing the guidelines are the responsibility
    of, and, ultimately, subject to adjustment by, MSCI.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">The
      MSCI EAFE Index is Subject to Currency Exchange Risk. </FONT></I><FONT size=2 face="serif">Because
      the closing prices of the Component Securities are converted into U.S.
      dollars for purposes of calculating the value of the MSCI EAFE Index, investors
      in the notes will be exposed to currency exchange rate risk with respect
      to each of the currencies in which the Component Securities trade. Exposure
      to currency changes will depend on the extent to which such currencies
      strengthen or weaken against the U.S. dollar and the relative weight of
      the Component Securities in the MSCI EAFE Index denominated in each such
      currency. The devaluation of the U.S. dollar against the currencies in
      which the Component Securities trade will result in an increase in the
      value of the MSCI EAFE Index. Conversely, if the U.S. dollar strengthens
      against such currencies, the value of the MSCI EAFE Index will be adversely
      affected and may reduce or eliminate any return on your investment. Fluctuations
      in currency exchange rates can have a continuing impact on the value of
      the MSCI EAFE Index, and any negative currency impact on the MSCI EAFE
      Index may significantly decrease the value of the notes. The return on
      an index composed of the Component Securities where the closing price is
      not converted into U.S. dollars can be significantly different than the
      return on the MSCI EAFE Index, which is converted into U.S. dollars. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Affiliation
      of MSCI, MS &amp; Co. and Morgan Stanley. </FONT></I><FONT size=2 face="serif">Each
      of MSCI and MS &amp; Co. is a majority-owned subsidiary of Morgan Stanley.
      MSCI is responsible for the MSCI EAFE Index and the guidelines and policies
      governing its composition and calculation. Although judgments, policies
      and determinations concerning the MSCI EAFE Index are made solely by MSCI,
      Morgan Stanley, as the parent company of MSCI, is ultimately responsible
      for MSCI. MSCI</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> is
      a registered trademark and service mark of MSCI. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-13 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">BECAUSE
    EACH OF MSCI AND MS &amp; CO. IS A SUBSIDIARY OF MORGAN STANLEY, THE ECONOMIC
    INTERESTS OF MSCI AND MS &amp; CO. MAY BE ADVERSE TO THE INVESTORS IN THE
    NOTES, INCLUDING WITH RESPECT TO CERTAIN DETERMINATIONS AND JUDGMENTS MADE
    IN DETERMINING THE MSCI EAFE INDEX. THE POLICIES AND JUDGMENTS FOR WHICH
    MSCI IS RESPONSIBLE CONCERNING ADDITIONS, DELETIONS AND SUBSTITUTIONS OF
    THE COMPONENT COUNTRY INDICES AND CORRESPONDING COMPONENT SECURITIES COMPRISING
    THE MSCI EAFE INDEX AND THE MANNER IN WHICH CERTAIN CHANGES AFFECTING SUCH
    COMPONENT SECURITIES ARE TAKEN INTO ACCOUNT MAY AFFECT THE VALUE OF THE MSCI
    EAFE INDEX. FURTHERMORE, THE POLICIES AND JUDGMENTS FOR WHICH MSCI IS RESPONSIBLE
    WITH RESPECT TO THE CALCULATION OF THE MSCI EAFE INDEX, INCLUDING, WITHOUT
    LIMITATION, THE SELECTION OF THE FOREIGN EXCHANGE RATES USED FOR THE PURPOSE
    OF ESTABLISHING THE DAILY PRICES OF THE COMPONENT SECURITIES, COULD ALSO
    AFFECT THE VALUE OF THE MSCI EAFE INDEX. IT IS ALSO POSSIBLE THAT MSCI MAY
    DISCONTINUE OR SUSPEND CALCULATION OR DISSEMINATION OF THE MSCI EAFE INDEX
    AND THAT, CONSEQUENTLY, MS &amp; CO., AS CALCULATION AGENT, ALSO AN AFFILIATE
    OF MORGAN STANLEY, WOULD HAVE TO SELECT A SUCCESSOR OR SUBSTITUTE INDEX FROM
    WHICH TO CALCULATE THE RETURN ON YOUR INVESTMENT. ANY SUCH ACTIONS OR JUDGMENTS
    COULD ADVERSELY AFFECT THE VALUE OF THE NOTES. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">MSCI
    maintains policies and procedures regarding the handling and use of confidential
    proprietary information, and those policies and procedures will be in effect
    throughout the term of the notes to restrict the use of information relating
    to the calculation of the MSCI EAFE Index prior to its dissemination.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">It is
    also possible that any advisory services that our affiliates provide in the
    course of any business with the issuers of the Component Securities could
    lead to actions on the part of such underlying issuers which might adversely
    affect the value of the MSCI EAFE Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between MSCI and Morgan Stanley. </FONT></I><FONT size=2 face="serif">MSCI
      and Morgan Stanley have entered into a non-exclusive license agreement
      providing for the license to Morgan Stanley, and certain of its affiliated
      or subsidiary companies, of the right to use the MSCI EAFE Index, which
      is owned and published by MSCI, in connection with certain securities,
      including the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between MSCI and Morgan Stanley provides that the following
    language must be set forth in this prospectus supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">THE
    NOTES ARE NOT SPONSORED, ENDORSED, SOLD OR PROMOTED BY MSCI, ANY AFFILIATE
    OF MSCI (SAVE THE ISSUER, BEING AN AFFILIATE OF MSCI) OR ANY OTHER PERSON
    INVOLVED IN, OR RELATED TO, MAKING OR COMPILING ANY MSCI INDEX (COLLECTIVELY,
    THE &#147;MSCI PARTIES&#148;). THE MSCI INDEXES ARE THE EXCLUSIVE PROPERTY
    OF MSCI. MSCI AND THE MSCI INDEX NAMES ARE SERVICE MARK(S) OF MSCI OR ITS
    AFFILIATES AND HAVE BEEN LICENSED FOR USE FOR CERTAIN PURPOSES BY MORGAN
    STANLEY. NO MSCI PARTY MAKES ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED,
    TO THE INVESTORS IN THE NOTES OR ANY MEMBER OF THE PUBLIC REGARDING THE ADVISABILITY
    OF INVESTING IN FINANCIAL SECURITIES GENERALLY OR IN THE NOTES PARTICULARLY
    OR THE ABILITY OF ANY MSCI INDEX TO TRACK CORRESPONDING STOCK MARKET PERFORMANCE.
    MSCI OR ITS AFFILIATES ARE THE LICENSORS OF CERTAIN TRADEMARKS, SERVICE MARKS
    AND TRADE NAMES AND OF THE MSCI INDEXES WHICH ARE DETERMINED, COMPOSED AND
    CALCULATED BY MSCI WITHOUT REGARD TO THE NOTES OR THE ISSUER OR INVESTOR
    IN THE NOTES. NO MSCI PARTY HAS ANY OBLIGATION TO TAKE THE NEEDS OF THE ISSUERS
    OR INVESTORS IN THE NOTES INTO CONSIDERATION IN DETERMINING, COMPOSING OR
    CALCULATING THE MSCI INDEXES. NO MSCI PARTY IS RESPONSIBLE FOR OR HAS PARTICIPATED
    IN THE DETERMINATION OF THE TIMING OF, PRICES AT, OR QUANTITIES OF THE NOTES
    TO BE ISSUED OR IN THE DETERMINATION OR CALCULATION OF THE EQUATION BY WHICH
    THE NOTES ARE REDEEMABLE FOR CASH. NO MSCI PARTY HAS ANY OBLIGATION OR LIABILITY
    TO THE INVESTORS IN THE NOTES IN CONNECTION WITH THE ADMINISTRATION, MARKETING
    OR OFFERING OF THE NOTES.</FONT></P>
<P align="center"> <FONT size=2 face="serif">A-14 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">ALTHOUGH
    MSCI SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN THE CALCULATION
    OF THE MSCI INDEXES FROM SOURCES THAT MSCI CONSIDERS RELIABLE, NO MSCI PARTY
    WARRANTS OR GUARANTEES THE ORIGINALITY, ACCURACY AND/OR THE COMPLETENESS
    OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NO MSCI PARTY </FONT><FONT size=2 face="serif">MAKES ANY WARRANTY, EXPRESS OR IMPLIED,
    AS TO RESULTS TO BE OBTAINED BY THE ISSUER OF THE NOTES, INVESTORS IN THE
    NOTES, OR ANY OTHER PERSON OR ENTITY, FROM THE USE OF ANY MSCI INDEX OR ANY
    DATA INCLUDED THEREIN. NO MSCI PARTY SHALL HAVE ANY LIABILITY FOR ANY ERRORS,
    OMISSIONS OR INTERRUPTIONS OF OR IN CONNECTION WITH ANY MSCI INDEX OR ANY
    DATA INCLUDED THEREIN. FURTHER, NO MSCI PARTY MAKES ANY EXPRESS OR IMPLIED
    WARRANTIES OF ANY KIND, AND EACH MSCI PARTY HEREBY EXPRESSLY </FONT><FONT size=2 face="serif">DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY
    AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO ANY MSCI INDEX AND
    ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT
    SHALL ANY MSCI PARTY HAVE ANY LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL,
    PUNITIVE, CONSEQUENTIAL OR ANY OTHER DAMAGES (INCLUDING LOST PROFITS) EVEN
    IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    foregoing disclaimers and limitations of liability in no way modify or limit
    any disclaimers or limitations of liability that the issuer may make elsewhere
    in this prospectus supplement or the accompanying pricing supplement or prospectus
    or otherwise to prospective or actual purchasers of or investors in the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">No purchaser,
    seller or holder of this security, or any other person or entity, should
    use or refer to any MSCI trade name, trademark or service mark in any manner
    of endorsement without first contacting MSCI to determine whether MSCI&#146;s
    permission is required. Under no circumstances may any person or entity claim
    any affiliation with MSCI without the prior written permission of MSCI. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;MSCI
    EAFE Index</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">&#148; is
    a trademark of MSCI and has been licensed for use by Morgan Stanley. The
    notes are not sponsored, endorsed, sold or promoted by MSCI and MSCI makes
    no representation regarding the advisability of investing in the notes. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">MSCI Taiwan Index</FONT></B><B><SUP><FONT size=2 face="serif">SM</FONT></SUP></B><B><FONT size=2 face="serif"> </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    MSCI Taiwan Index</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif"> is
    a stock index owned, calculated, and published by MSCI, a majority-owned
    subsidiary of Morgan Stanley. See &#147;&#151;Affiliation of MSCI, MS &amp; Co.
    and Morgan Stanley&#148; below. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Morgan
    Stanley obtained all information contained in this prospectus supplement
    regarding the MSCI Taiwan Index, including, without limitation, its make-up,
    method of calculation and changes in its components, from publicly available
    information. That information reflects the policies of, and is subject to
    change by, MSCI. Neither MSCI nor Morgan Stanley has any obligation to continue
    to calculate and publish, and may discontinue calculation and publication
    of the MSCI Taiwan Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    MSCI Taiwan Index is a free float adjusted market capitalization index of
    securities listed on the Taiwan Stock Exchange. MSCI targets an 85% free
    float adjusted market representation level within each industry group in
    Taiwan. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Selection
      Criteria. </FONT></I><FONT size=2 face="serif">The security selection process
      within each industry group is based on analysis of the following: i) Each
      company&#146;s business activities and the diversification that its securities
      would bring to the index. ii) All other things being equal, MSCI targets
      for inclusion the most sizable securities in an industry group. Securities
      that do not meet the minimum size guidelines are not considered for inclusion.
      iii) MSCI targets for inclusion the most liquid securities in an industry
      group. MSCI does not define absolute minimum or maximum liquidity levels
      for stock inclusion or exclusion from the MSCI Taiwan Index but considers
      each stock&#146;s relative standing within Taiwan and between cycles. Only
      securities of companies with an estimated overall or security free float
      greater than 15% are generally considered for inclusion in the MSCI Taiwan
      Index. For more information on the selection criteria, see the discussion
      regarding the Component Country Indices in &#147;&#151;MSCI EAFE Index&#151;Selection
      of Component Securities and Calculating and Adjusting for Free Float,&#148; which
      apply to the MSCI Taiwan Index as well as the Component Country Indices
      of the MSCI EAFE Index. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-15 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Index
      Calculation. </FONT></I><FONT size=2 face="serif">The MSCI Taiwan Index
      is computed generally by multiplying the previous day&#146;s index level
      by the free float adjusted market capitalization level of each share in
      the MSCI Taiwan Index on the prior day divided by the free float market
      capitalization level of each share in the MSCI Index on the current day.
      The numerator is adjusted market capitalization, but the denominator is
      unadjusted, meaning that the price adjustment factor is applied to the
      numerator, but not the denominator. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Maintenance
      of the MSCI Taiwan Index. </FONT></I><FONT size=2 face="serif">There are
      three broad categories of MSCI Taiwan Index maintenance: an annual full
      country index review that reassesses the various dimensions of the equity
      universe in Taiwan; quarterly index reviews, aimed at promptly reflecting
      other significant market events; and ongoing event-related changes, such
      as mergers and acquisitions, which are generally implemented in the index
      rapidly as they occur. For more information on the maintenance standards,
      see the discussion regarding the Component Country Indices in &#147;&#151;MSCI
      EAFE Index&#151;Maintenance of the MSCI EAFE Index and the Component Country
      Indices,&#148; which apply to the MSCI Taiwan Index as well as the Component
      Country Indices of the MSCI EAFE Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Affiliation
      of MSCI, MS &amp; Co. and Morgan Stanley. </FONT></I><FONT size=2 face="serif">Each
      of MSCI and MS &amp; Co. is a majority-owned subsidiary of Morgan Stanley.
      MSCI is responsible for the MSCI Taiwan Index and the guidelines and policies
      governing its composition and calculation. Although judgments, policies
      and determinations concerning the MSCI Taiwan Index are made solely by
      MSCI, Morgan Stanley, as the parent company of MSCI, is ultimately responsible
      for MSCI. MSCI</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> is
      a registered trademark and service mark of MSCI. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">BECAUSE
    EACH OF MSCI AND MS &amp; CO. IS A SUBSIDIARY OF MORGAN STANLEY, THE ECONOMIC
    INTERESTS OF MSCI AND MS &amp; CO. MAY BE ADVERSE TO THE INVESTORS IN THE
    NOTES, INCLUDING WITH RESPECT TO CERTAIN DETERMINATIONS AND JUDGMENTS MADE
    IN DETERMINING THE MSCI TAIWAN INDEX. THE POLICIES AND JUDGMENTS FOR WHICH
    MSCI IS RESPONSIBLE CONCERNING ADDITIONS, DELETIONS AND SUBSTITUTIONS OF
    THE COMPONENT COUNTRY INDICES AND CORRESPONDING COMPONENT SECURITIES COMPRISING
    THE MSCI TAIWAN INDEX AND THE MANNER IN WHICH CERTAIN CHANGES AFFECTING SUCH
    COMPONENT SECURITIES ARE TAKEN INTO ACCOUNT MAY AFFECT THE VALUE OF THE MSCI
    TAIWAN INDEX. FURTHERMORE, THE POLICIES AND JUDGMENTS FOR WHICH MSCI IS RESPONSIBLE
    WITH RESPECT TO THE CALCULATION OF THE MSCI TAIWAN INDEX, INCLUDING, WITHOUT
    LIMITATION, THE SELECTION OF THE FOREIGN EXCHANGE RATES USED FOR THE PURPOSE
    OF ESTABLISHING THE DAILY PRICES OF THE COMPONENT SECURITIES, COULD ALSO
    AFFECT THE VALUE OF THE MSCI TAIWAN INDEX. IT IS ALSO POSSIBLE THAT MSCI
    MAY DISCONTINUE OR SUSPEND CALCULATION OR DISSEMINATION OF THE MSCI TAIWAN
    INDEX AND THAT, CONSEQUENTLY, MS &amp; CO., AS CALCULATION AGENT, ALSO AN
    AFFILIATE OF MORGAN STANLEY, WOULD HAVE TO SELECT A SUCCESSOR OR SUBSTITUTE
    INDEX FROM WHICH TO CALCULATE THE RETURN ON YOUR INVESTMENT. ANY SUCH ACTIONS
    OR JUDGMENTS COULD ADVERSELY AFFECT THE VALUE OF THE NOTES. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">MSCI
    maintains policies and procedures regarding the handling and use of confidential
    proprietary information, and those policies and procedures will be in effect
    throughout the term of the notes to restrict the use of information relating
    to the calculation of the MSCI Taiwan Index prior to its dissemination.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">It is
    also possible that any advisory services that our affiliates provide in the
    course of any business with the issuers of the component securities could
    lead to actions on the part of such underlying issuers which might adversely
    affect the value of the MSCI Taiwan Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between MSCI and Morgan Stanley. </FONT></I><FONT size=2 face="serif">MSCI
      and Morgan Stanley have entered into a non-exclusive license agreement
      providing for the license to Morgan Stanley, and certain of its affiliated
      or subsidiary companies, of the right to use the MSCI Taiwan Index, which
      is owned and published by MSCI, in connection with certain securities,
      including the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between MSCI and Morgan Stanley provides that the following
    language must be set forth in this prospectus supplement: </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-16 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">THE
    NOTES ARE NOT SPONSORED, ENDORSED, SOLD OR PROMOTED BY MSCI, ANY AFFILIATE
    OF MSCI (SAVE THE ISSUER, BEING AN AFFILIATE OF MSCI) OR ANY OTHER PERSON
    INVOLVED IN, OR RELATED TO, MAKING OR COMPILING ANY MSCI INDEX (COLLECTIVELY,
    THE &#147;MSCI PARTIES&#148;). THE MSCI INDEXES ARE THE EXCLUSIVE PROPERTY
    OF MSCI. MSCI AND THE MSCI INDEX NAMES ARE SERVICE MARK(S) OF MSCI OR ITS
    AFFILIATES AND HAVE BEEN LICENSED FOR USE FOR CERTAIN PURPOSES BY MORGAN
    STANLEY. NO MSCI PARTY MAKES ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED,
    TO THE INVESTORS IN THE NOTES OR ANY MEMBER OF THE PUBLIC REGARDING THE ADVISABILITY
    OF INVESTING IN FINANCIAL SECURITIES GENERALLY OR IN THE NOTES PARTICULARLY
    OR THE ABILITY OF ANY MSCI INDEX TO TRACK CORRESPONDING STOCK MARKET PERFORMANCE.
    MSCI OR ITS AFFILIATES ARE THE LICENSORS OF CERTAIN TRADEMARKS, SERVICE MARKS
    AND TRADE NAMES AND OF THE MSCI INDEXES WHICH ARE DETERMINED, COMPOSED AND
    CALCULATED BY MSCI WITHOUT REGARD TO THE NOTES OR THE ISSUER OR INVESTOR
    IN THE NOTES. NO MSCI PARTY HAS ANY OBLIGATION TO TAKE THE NEEDS OF THE ISSUERS
    OR INVESTORS IN THE NOTES INTO CONSIDERATION IN DETERMINING, COMPOSING OR
    CALCULATING THE MSCI INDEXES. NO MSCI PARTY IS RESPONSIBLE FOR OR HAS PARTICIPATED
    IN THE DETERMINATION OF THE TIMING OF, PRICES AT, OR QUANTITIES OF THE NOTES
    TO BE ISSUED OR IN THE DETERMINATION OR CALCULATION OF THE EQUATION BY WHICH
    THE NOTES ARE REDEEMABLE FOR CASH. NO MSCI PARTY HAS ANY OBLIGATION OR LIABILITY
    TO THE INVESTORS IN THE NOTES IN CONNECTION WITH THE ADMINISTRATION, MARKETING
    OR OFFERING OF THE NOTES.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">ALTHOUGH
    MSCI SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN THE CALCULATION
    OF THE MSCI INDEXES FROM SOURCES THAT MSCI CONSIDERS RELIABLE, NO MSCI PARTY
    WARRANTS OR GUARANTEES THE ORIGINALITY, ACCURACY AND/OR THE COMPLETENESS
    OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NO MSCI PARTY </FONT><FONT size=2 face="serif">MAKES ANY WARRANTY, EXPRESS OR IMPLIED,
    AS TO RESULTS TO BE OBTAINED BY THE ISSUER OF THE NOTES, INVESTORS IN THE
    NOTES, OR ANY OTHER PERSON OR ENTITY, FROM THE USE OF ANY MSCI INDEX OR ANY
    DATA INCLUDED THEREIN. NO MSCI PARTY SHALL HAVE ANY LIABILITY FOR ANY ERRORS,
    OMISSIONS OR INTERRUPTIONS OF OR IN CONNECTION WITH ANY MSCI INDEX OR ANY
    DATA INCLUDED THEREIN. FURTHER, NO MSCI PARTY MAKES ANY EXPRESS OR IMPLIED
    WARRANTIES OF ANY KIND, AND EACH MSCI PARTY HEREBY EXPRESSLY </FONT><FONT size=2 face="serif">DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY
    AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO ANY MSCI INDEX AND
    ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT
    SHALL ANY MSCI PARTY HAVE ANY LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL,
    PUNITIVE, CONSEQUENTIAL OR ANY OTHER DAMAGES (INCLUDING LOST PROFITS) EVEN
    IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    foregoing disclaimers and limitations of liability in no way modify or limit
    any disclaimers or limitations of liability that the issuer may make elsewhere
    in this prospectus supplement or the accompanying pricing supplement or prospectus
    or otherwise to prospective or actual purchasers of or investors in the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">No purchaser,
    seller or holder of this security, or any other person or entity, should
    use or refer to any MSCI trade name, trademark or service mark in any manner
    of endorsement without first contacting MSCI to determine whether MSCI&#146;s
    permission is required. Under no circumstances may any person or entity claim
    any affiliation with MSCI without the prior written permission of MSCI. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;MSCI
    Taiwan Index</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif">&#148; is
    a service mark of MSCI and has been licensed for use by Morgan Stanley. The
    notes are not sponsored, endorsed, sold or promoted by MSCI and MSCI makes
    no representation regarding the advisability of investing in the notes. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">NASDAQ-100 Index</FONT></B><B><SUP><FONT size=2 face="serif">&#174;</FONT></SUP></B><B><FONT size=2 face="serif"> </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    NASDAQ-100 Index</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> was
    developed by The Nasdaq Stock Market, Inc., which we refer to as The Nasdaq</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">.
    The NASDAQ-100 Index is determined and calculated by The Nasdaq and was first
    published in January 1985. Morgan Stanley obtained all information contained
    in this prospectus supplement regarding the NASDAQ-100 Index, including,
    without limitation, its make-up, method of calculation and changes in its
    components, from </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-17 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">publicly available information. That
    information reflects the policies of, and is subject to change by, The Nasdaq.
    Morgan Stanley makes no representation or warranty as to the accuracy or
    completeness of any information relating to the NASDAQ-100 Index. The Nasdaq
    is under no obligation to continue to publish the NASDAQ-100 Index and may
    discontinue publication of the NASDAQ-100 Index at any time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    NASDAQ-100 Index is a modified capitalization-weighted index of 100 of the
    largest non-financial companies listed on the The NASDAQ Stock Market LLC.
    The NASDAQ-100 Index constitutes a broadly diversified segment of the largest
    securities listed on The NASDAQ Stock Market LLC and includes companies across
    a variety of major industry groups. At any moment in time, the value of the
    NASDAQ-100 Index equals the aggregate value of the then-current NASDAQ-100
    Index share weights of each of the NASDAQ-100 Index component securities,
    which are based on the total shares outstanding of each such NASDAQ-100 Index
    component security, multiplied by each such security&#146;s respective last
    sale price on The NASDAQ Stock Market LLC (which may be the official closing
    price published by The NASDAQ Stock Market LLC), and divided by a scaling
    factor (the &#147;divisor&#148;), which becomes the basis for the reported
    NASDAQ-100 Index value. The divisor serves the purpose of scaling such aggregate
    value (otherwise in the trillions) to a lower order of magnitude which is
    more desirable for NASDAQ-100 Index reporting purposes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">To be
    eligible for inclusion in the NASDAQ-100 Index, a security must be traded
    on the The NASDAQ Stock Market LLC and meet the other eligibility criteria,
    including the following: the security&#146;s U.S. listing must be exclusively
    on the NASDAQ Global Select Market or the NASDAQ Global Market (unless the
    security was dually listed on another U.S. market prior to January 1, 2004
    and has continuously maintained such listing), the security must be of a
    non-financial company; only one class of security per issuer is allowed;
    the security may not be issued by an issuer currently in bankruptcy proceedings;
    the security must have an average daily trading volume of at least 200,000
    shares; the security must have &#147;seasoned&#148; on The NASDAQ Stock Market
    LLC or another recognized market (generally a company is considered to be
    seasoned by The Nasdaq if it has been listed on a market for at least two
    years; in the case of spin-offs, the operating history of the spin-off will
    be considered); if the security would otherwise qualify to be in the top
    25% of the securities included in the NASDAQ-100 Index by market capitalization
    for the six prior consecutive month ends, then a one-year &#147;seasoning&#148; criteria
    would apply; if the security is of a foreign issuer, it must have listed
    options or be eligible for listed-options trading; the issuer of the security
    may not have annual financial statements with an audit opinion which the
    auditor or the company have indicated cannot be currently relied upon; and
    the issuer of the security may not have entered into a definitive agreement
    or other arrangement which would result in the security no longer being listed
    on The NASDAQ Stock Market LLC within the next six months. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In addition,
    to be eligible for continued inclusion in the NASDAQ-100 Index, the following
    criteria apply: the security&#146;s U.S. listing must be exclusively on the
    NASDAQ Global Select Market or the NASDAQ Global Market (unless the security
    was dually listed on another U.S. market prior to January 1, 2004 and has
    continuously maintained such listing); the security must be of a non-financial
    company; the security may not be issued by an issuer currently in bankruptcy
    proceedings; the security must have an average daily trading volume of at
    least 200,000 shares; if the security is of a foreign issuer, it must have
    listed options or be eligible for listed-options trading; the issuer of the
    security may not have annual financial statements with an audit opinion which
    the auditor or the company have indicated cannot be currently relied upon;
    and the security must have an adjusted market capitalization equal to or
    exceeding 0.10% of the aggregate adjusted market capitalization of the NASDAQ-100
    Index at each month end. In the event a company does not meet this criterion
    for two consecutive month ends, it will be removed from the NASDAQ-100 Index
    effective after the close of trading on the third Friday of the following
    month. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    securities in the NASDAQ-100 Index are monitored every day by The Nasdaq
    with respect to changes in total shares outstanding arising from secondary
    offerings, stock repurchases, conversions or other corporate actions. The
    Nasdaq has adopted the following quarterly scheduled weight adjustment procedures
    with respect to such changes. If the change in total shares outstanding arising
    from such corporate action is greater than or equal to 5.0%, such change
    is made to the NASDAQ-100 Index on the evening prior to the effective date
    of such corporate action or as soon as practical thereafter. Otherwise, if
    the change in total shares outstanding is less than 5.0%, then all such changes
    are accumulated and made effective at one time on a quarterly basis after
    the close of trading on the third Friday in each of March, June, September
    and December. In either case, the NASDAQ-100 Index share weights for such
    NASDAQ-100 Index component securities are adjusted by the same percentage
    amount by which the total shares outstanding have changed in such NASDAQ-100
    Index component securities. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-18 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Additionally,
    The Nasdaq may periodically (ordinarily, several times per quarter) replace
    one or more component securities in the NASDAQ-100 Index due to mergers,
    acquisitions, bankruptcies or other market conditions, or due to delisting
    if an issuer chooses to list its securities on another marketplace, or if
    the issuers of such component securities fail to meet the criteria for continued
    inclusion in the NASDAQ-100 Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    NASDAQ-100 Index share weights are also subject, in certain cases, to a rebalancing
    (see &#147;Rebalancing of the NASDAQ-100 Index for Modified Capitalization-Weighted
    Methodology&#148; below). Ordinarily, whenever there is a change in the NASDAQ-100
    Index share weights or a change in a component security included in the NASDAQ-100
    Index, The Nasdaq adjusts the divisor to assure that there is no discontinuity
    in the value of the NASDAQ-100 Index which might otherwise be caused by such
    change.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Annual
      Ranking Review. </FONT></I><FONT size=2 face="serif"> The NASDAQ-100 Index
      component securities are evaluated on an annual basis, except under extraordinary
      circumstances which may result in an interim evaluation, the &#147;Annual
      Ranking Review,&#148; as described below. Securities listed on The NASDAQ
      Stock Market LLC which meet the eligibility criteria described above are
      ranked by market value using closing prices as of the end of October and
      publicly available total shares outstanding as of the end of November.
      NASDAQ-100 Index-eligible securities which are already in the NASDAQ-100
      Index and which are in the top 150 eligible securities (based on market
      value) are retained in the NASDAQ-100 Index provided that such security
      was ranked in the top 100 eligible securities as of the previous year&#146;s
      ranking review. Securities not meeting such criteria are replaced. The
      replacement securities chosen are the largest market capitalization NASDAQ-100
      Index-eligible securities not currently in the NASDAQ-100 Index. Generally,
      the list of annual additions and deletions is publicly announced via a
      press release in the early part of December. Replacements are made effective
      after the close of trading on the third Friday in December. Moreover, if
      at any time during the year a NASDAQ-100 Index component security is no
      longer traded on The Nasdaq, or is otherwise determined by The Nasdaq to
      become ineligible for continued inclusion in the NASDAQ-100 Index, the
      security will be replaced with the largest market capitalization security
      not currently in the NASDAQ-100 Index and meeting the NASDAQ-100 Index
      eligibility criteria listed above. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Rebalancing
      of the NASDAQ-100 Index for Modified Capitalization-weighted Methodology</FONT></I><FONT size=2 face="serif">.
      Effective after the close of trading on December 18, 1998, the NASDAQ-100
      Index has been calculated under a &#147;modified capitalization-weighted&#148; methodology,
      which is a hybrid between equal weighting and conventional capitalization
      weighting. This methodology is expected to: (1) retain in general the economic
      attributes of capitalization weighting; (2) promote portfolio weight diversification
      (thereby limiting domination of the NASDAQ-100 Index by a few large stocks);
      (3) reduce NASDAQ-100 Index performance distortion by preserving the capitalization
      ranking of companies; and (4) reduce market impact on the smallest NASDAQ-100
      Index component securities from necessary weight rebalancings. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Under
    the methodology employed, on a quarterly basis coinciding with The Nasdaq&#146;s
    quarterly scheduled weight adjustment procedures described above, the NASDAQ-100
    Index component securities are categorized as either &#147;Large Stocks&#148; or &#147;Small
    Stocks&#148; depending on whether their current percentage weights (after
    taking into account such scheduled weight adjustments due to stock repurchases,
    secondary offerings or other corporate actions) are greater than, or less
    than or equal to, the average percentage weight in the NASDAQ-100 Index (i.e.,
    as a 100-stock index, the average percentage weight in the NASDAQ-100 Index
    is 1.0%). </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Such
    quarterly examination will result in a NASDAQ-100 Index rebalancing if either
    one or both of the following two weight distribution requirements are not
    met: (1) the current weight of the single largest market capitalization NASDAQ-100
    Index component security must be less than or equal to 24.0% and (2) the &#147;collective
    weight&#148; of those NASDAQ-100 Index component securities whose individual
    current weights are in excess of 4.5%, when added together, must be less
    than or equal to 48.0%. In addition, The Nasdaq may conduct a special rebalancing
    if it is determined necessary to maintain the integrity of the NASDAQ-100
    Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If either
    one or both of these weight distribution requirements are not met upon quarterly
    review or The Nasdaq determines that a special rebalancing is required, a
    weight rebalancing will be performed in accordance with the following plan.
    First, relating to weight distribution requirement (1) above, if the current
    weight of the single largest NASDAQ-100 Index component security exceeds
    24.0%, then the weights of all Large Stocks will be scaled down proportionately
    towards 1.0% by enough for the adjusted weight of the single largest NASDAQ-100
    Index component security to be set to 20.0% . Second, relating to weight
    distribution requirement (2) above, for those </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-19 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">NASDAQ-100 Index component securities
    whose individual current weights or adjusted weights in accordance with the
    preceding step are in excess of 4.5%, if their &#147;collective weight&#148; exceeds
    48.0%, then the weights of all Large Stocks will be scaled down proportionately
    towards 1.0% by just enough for the &#147;collective weight,&#148; so adjusted,
    to be set to 40.0%. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    aggregate weight reduction among the Large Stocks resulting from either or
    both of the above rescalings will then be redistributed to the Small Stocks
    in the following iterative manner. In the first iteration, the weight of
    the largest Small Stock will be scaled upwards by a factor which sets it
    equal to the average NASDAQ-100 Index weight of 1.0%. The weights of each
    of the smaller remaining Small Stocks will be scaled up by the same factor
    reduced in relation to each stock&#146;s relative ranking among the Small
    Stocks such that the smaller the NASDAQ-100 Index component security in the
    ranking, the less the scale-up of its weight. This is intended to reduce
    the market impact of the weight rebalancing on the smallest component securities
    in the NASDAQ-100 Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In the
    second iteration, the weight of the second largest Small Stock, already adjusted
    in the first iteration, will be scaled upwards by a factor which sets it
    equal to the average index weight of 1.0%. The weights of each of the smaller
    remaining Small Stocks will be scaled up by this same factor reduced in relation
    to each stock&#146;s relative ranking among the Small Stocks such that, once
    again, the smaller the stock in the ranking, the less the scale-up of its
    weight. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Additional
    iterations will be performed until the accumulated increase in weight among
    the Small Stocks exactly equals the aggregate weight reduction among the
    Large Stocks from rebalancing in accordance with weight distribution requirement
    (1) and/or weight distribution requirement (2). </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Then,
    to complete the rebalancing procedure, once the final percent weights of
    each NASDAQ-100 Index component security are set, the NASDAQ-100 Index share
    weights will be determined anew based upon the last sale prices and aggregate
    capitalization of the NASDAQ-100 Index at the close of trading on the Thursday
    in the week immediately preceding the week of the third Friday in March,
    June, September, and December. Changes to the NASDAQ-100 Index share weights
    will be made effective after the close of trading on the third Friday in
    March, June, September, and December and an adjustment to the NASDAQ-100
    Index divisor will be made to ensure continuity of the NASDAQ-100 Index.
    Ordinarily, new rebalanced weights will be determined by applying the above
    procedures to the current NASDAQ-100 Index share weights. However, The Nasdaq
    may from time to time determine rebalanced weights, if necessary, by instead
    applying the above procedure to the actual current market capitalization
    of the NASDAQ-100 Index components. In such instances, The Nasdaq would announce
    the different basis for rebalancing prior to its implementation. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between The Nasdaq Stock Market, Inc. and Morgan Stanley</FONT></I><FONT size=2 face="serif">.
      The Nasdaq and Morgan Stanley have entered into a non-exclusive license
      agreement providing for the license to Morgan Stanley, and certain of its
      affiliated or subsidiary companies, in exchange for a fee, of the right
      to use the NASDAQ-100 Index, which is owned and published by The Nasdaq,
      in connection with securities, including the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between The Nasdaq and Morgan Stanley provides that the
    following language must be set forth in this prospectus supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    notes are not sponsored, endorsed, sold or promoted by The Nasdaq (including
    its affiliates) (The Nasdaq, with its affiliates, are referred to as the &#147;Corporations&#148;).
    The Corporations have not passed on the legality or suitability of, or the
    accuracy or adequacy of descriptions and disclosures relating to, the notes.
    The Corporations make no representation or warranty, express or implied,
    to the holders of the notes or any member of the public regarding the advisability
    of investing in securities generally or in the notes particularly, or the
    ability of the NASDAQ-100 Index</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> to
    track general stock market performance. The Corporations&#146; only relationship
    to us (the &#147;Licensee&#148;) is in the licensing of the NASDAQ-100</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,
    NASDAQ-100 Index</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> and
    Nasdaq</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> trademarks
    or service marks and certain trade names of the Corporations and the use
    of the NASDAQ-100 Index</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> which
    is determined, composed and calculated by The Nasdaq without regard to the
    Licensee or the notes. The Nasdaq has no obligation to take the needs of
    the Licensee or the owners of the notes into consideration in determining,
    composing or calculating the NASDAQ-100 Index</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">.
    The Corporations are not responsible for and have not participated in the
    determination of the timing, prices, or quantities of the notes to be issued
    or in the determination or calculation of the equation by which the notes
    are to be converted into cash. The Corporations have no liability in connection
    with the administration, marketing or trading of the notes. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-20 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">THE
    CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION
    OF THE NASDAQ-100 INDEX</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> OR
    ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR
    IMPLIED, AS TO RESULTS TO BE OBTAINED BY THE LICENSEE, OWNERS OF THE NOTES,
    OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX</FONT><SUP><FONT size=2
face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> OR ANY DATA INCLUDED
    THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES AND EXPRESSLY
    DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
    OR USE WITH RESPECT TO THE NASDAQ-100 INDEX</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> OR
    ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT
    SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR LOST PROFITS OR SPECIAL, INCIDENTAL,
    PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY
    OF SUCH DAMAGES. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The &#147;Nasdaq</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,&#148; &#147;NASDAQ-100</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2
face="serif">&#148; and &#147;NASDAQ-100 Index</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">&#148; are
    trademarks of The Nasdaq and have been licensed for use by Morgan Stanley.
    The notes have not been passed on by the Corporations as to their legality
    or suitability. The notes are not issued, endorsed, sold or promoted by the
    Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH
    RESPECT TO THE NOTES. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Nikkei 225 Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Nikkei 225 Index is a stock index calculated, published and disseminated
    by Nihon Keizai Shimbun, Inc., which we refer to as NIKKEI, that measures
    the composite price performance of selected Japanese stocks. Morgan Stanley
    obtained all information contained in this prospectus supplement regarding
    the Nikkei 225 Index, including, without limitation, its make-up, method
    of calculation and changes in its components, from publicly available information.
    That information reflects the policies of, and is subject to change by, NIKKEI.
    Morgan Stanley makes no representation or warranty as to the accuracy or
    completeness of any information relating to the Nikkei 225 Index. NIKKEI
    is under no obligation to continue to publish the Nikkei 225 Index and may
    discontinue publication of the Nikkei 225 Index at any time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Nikkei 225 Index currently is based on 225 underlying stocks (the &#147;Nikkei
    Underlying Stocks&#148;) trading on the Tokyo Stock Exchange (the &#147;TSE&#148;)
    representing a broad cross-section of Japanese industries. Stocks listed
    in the First Section of the TSE are among the most actively traded stocks
    on the TSE. All 225 Nikkei Underlying Stocks are stocks listed in the First
    Section of the TSE. NIKKEI rules require that the 75 most liquid issues (one-third
    of the component count of the Nikkei 225 Index) be included in the Nikkei
    225 Index. NIKKEI first calculated and published the Nikkei 225 Index in
    1970. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    225 companies included in the Nikkei 225 Index are divided into six sector
    categories: Technology, Financials, Consumer Goods, Materials, Capital Goods/Others
    and Transportation and Utilities. These six sector categories are further
    divided into 36 industrial classifications as follows: </FONT></P>
<UL>
  <LI> <FONT size=2 face="serif">Technology &#151; Pharmaceuticals, Electrical
      machinery, Automobiles, Precision machinery, Telecommunications<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">Financials &#151; Banks, Miscellaneous finance,
      Securities, Insurance<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">Consumer Goods &#151; Marine products, Food,
      Retail, Services<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">Materials &#151; Mining, Textiles, Paper &amp; pulp,
      Chemicals, Oil, Rubber, Ceramics, Steel, Nonferrous metals,</FONT> <FONT size=2 face="serif">Trading
      House<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">Capital Goods/Others &#151; Construction, Machinery,
      Shipbuilding, Transportation equipment, Miscellaneous</FONT> <FONT size=2 face="serif">manufacturing,
      Real estate<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">Transportation and Utilities &#151; Railroads &amp; Buses,
      Trucking, Shipping, Airlines, Warehousing, Electric power,</FONT> <FONT size=2 face="serif">Gas</FONT></LI>
</UL>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Nikkei 225 Index is a modified, price-weighted index (i.e., a Nikkei Underlying
    Stock&#146;s weight in the index is based on its price per share rather than
    the total market capitalization of the issuer) which is calculated by (i)
    multiplying the per share price of each Nikkei Underlying Stock by the corresponding
    weighting factor for such </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-21 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">Nikkei Underlying Stock (a &#147;Weight
    Factor&#148;), (ii) calculating the sum of all these products and (iii) dividing
    such sum by a divisor (the &#147;Nikkei Divisor&#148;). The Nikkei Divisor
    was initially set at 225 for the date of May 16, 1949 using historical numbers
    from May 16, 1949, the date on which the Tokyo Stock Exchange was reopened.
    The Nikkei Divisor is subject to periodic adjustments as set forth below.
    Each Weight Factor is computed by dividing &#165;50 by the par value of the
    relevant Nikkei Underlying Stock, so that the share price of each Nikkei
    Underlying Stock when multiplied by its Weight Factor corresponds to a share
    price based on a uniform par value of &#165;50. The stock prices used in
    the calculation of the Nikkei 225 Index are those reported by a primary market
    for the Nikkei Underlying Stocks (currently the TSE). The level of the Nikkei
    225 Index is calculated once per minute during TSE trading hours. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In order
    to maintain continuity in the Nikkei 225 Index in the event of certain changes
    due to non-market factors affecting the Nikkei Underlying Stocks, such as
    the addition or deletion of stocks, substitution of stocks, stock splits
    or distributions of assets to stockholders, the Nikkei Divisor used in calculating
    the Nikkei 225 Index is adjusted in a manner designed to prevent any instantaneous
    change or discontinuity in the level of the Nikkei 225 Index. Thereafter,
    the Nikkei Divisor remains at the new value until a further adjustment is
    necessary as the result of another change. As a result of such change affecting
    any Nikkei Underlying Stock, the Nikkei Divisor is adjusted in such a way
    that the sum of all share prices immediately after such change multiplied
    by the applicable Weight Factor and divided by the new Nikkei Divisor (i.e.,
    the level of the Nikkei 225 Index immediately after such change) will equal
    the level of the Nikkei 225 Index immediately prior to the change. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">A Nikkei
    Underlying Stock may be deleted or added by NIKKEI. Any stock becoming ineligible
    for listing in the First Section of the TSE due to any of the following reasons
    will be deleted from the Nikkei Underlying Stocks: (i) bankruptcy of the
    issuer, (ii) merger of the issuer with, or acquisition of the issuer by,
    another company, (iii) delisting of such stock, (iv) transfer of such stock
    to the &#147;Seiri-Post&#148; because of excess debt of the issuer or because
    of any other reason or (v) transfer of such stock to the Second Section.
    In addition, a component stock transferred to the &#147;Kanri-Post&#148; (Posts
    for stocks under supervision) is in principle a candidate for deletion. Nikkei
    Underlying Stocks with relatively low liquidity, based on trading value and
    rate of price fluctuation over the past five years, may be deleted by NIKKEI.
    Upon deletion of a stock from the Nikkei Underlying Stocks, NIKKEI will select
    a replacement for such deleted Nikkei Underlying Stock in accordance with
    certain criteria. In an exceptional case, a newly listed stock in the First
    Section of the TSE that is recognized by NIKKEI to be representative of a
    market may be added to the Nikkei Underlying Stocks. In such a case, an existing
    Nikkei Underlying Stock with low trading volume and deemed not to be representative
    of a market will be deleted by NIKKEI. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">A list
    of the issuers of the Nikkei Underlying Stocks constituting Nikkei 225 Index
    is available from the Nikkei Economic Electronic Databank System and from
    the Stock Market Indices Data Book published by NIKKEI. NIKKEI may delete,
    add or substitute any stock underlying the Nikkei 225 Index.</FONT></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif"> License Agreement between NIKKEI
      and Morgan Stanley. </FONT></I><FONT size=2 face="serif">As of the issue
      date of any notes, we will have received the consent of NIKKEI, the publisher
      of the Nikkei 225 Index, to use and refer to the Nikkei 225 Index in connection
      with the notes. NIKKEI has the copyright to the Nikkei 225 Index. All rights
      to the Nikkei 225 Index are owned by NIKKEI. We, the Calculation Agent
      and the Trustee disclaim all responsibility for the calculation or other
      maintenance of or any adjustments to the Nikkei 225 Index. NIKKEI has the
      right to change the contents of the Nikkei 225 Index and to cease compilation
      and publication of the Nikkei 225 Index. In addition, NIKKEI has no relationship
      to us or the notes; it does not sponsor, endorse, authorize, sell or promote
      the notes, and has no obligation or liability in connection with the administration,
      marketing or trading of the notes or with the calculation of the return
      on your investment. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">PHLX Housing Sector</FONT></B><B><SUP><FONT size=2 face="serif">SM</FONT></SUP></B><B><FONT size=2 face="serif"> Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    PHLX Housing Sector</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif"> Index
    (the &#147;PHLX Housing Index&#148;) was developed by the Philadelphia Stock
    Exchange, Inc. (the &#147;PHLX&#148;) and is calculated, maintained and published
    by PHLX. Morgan Stanley obtained all information contained in this prospectus
    supplement regarding the PHLX Housing Index, including, without limitation,
    its make-up, method of calculation and changes in its components, from publicly
    available information. That information reflects the policies of, and is
    subject to change by, PHLX. Morgan Stanley makes no representation or warranty
    as to the accuracy or completeness of any information relating to the PHLX
    Housing Index. PHLX is under no obligation to continue to publish the PHLX
    Housing Index and may discontinue publication of the PHLX Housing Index at
    any time. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-22 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    PHLX Housing Index is a modified capitalization weighted index composed of
    twenty companies whose primary lines of business are directly associated
    with the United States housing construction market (the &#147;PHLX Housing
    Index Stocks&#148;). The PHLX Housing Index composition encompasses residential
    builders, suppliers of aggregate, lumber and other construction materials,
    manufactured housing and mortgage insurers. The PHLX Housing Index was set
    to an initial value of 250 on January 2, 2002. Options commenced trading
    on the PHLX Housing Index on July 17, 2002. The PHLX split the level of the
    PHLX Housing Index in half on February 1, 2006. Modified capitalization weighting
    is intended to maintain as closely as possible the proportional capitalization
    distribution of the portfolio of PHLX Housing Index Stocks, while limiting
    the maximum weight of a single stock or group of stocks to a predetermined
    maximum (normally 25% for a single stock, and 50% to 60% for the top five
    or an aggregation of all stocks weighing 5% or more). This rebalancing is
    accomplished by occasionally artificially reducing the capitalization of
    higher weighted stocks and redistributing the weight to lower weighted stocks
    without changing the total capitalization of the portfolio. The net result
    is a weight distribution that is less skewed toward the larger stocks, but
    still does not approach equal weighting. The PHLX Housing Index value calculation
    is described by the following formula: </FONT></P>
<P align="center"> <U><FONT size=2 face="serif">Modified Market Capitalization
      of the PHLX Housing Index<br>
</FONT></U><FONT size=2 face="serif">Base Market
      Divisor </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Modified
      Capitalization Weighting Methodology for the PHLX Housing Index. </FONT></I><FONT size=2 face="serif">PHLX
      Housing Index securities are first defined as small stocks (current market
      capitalization less than or equal to 50% of the average market capitalization
      of all component securities), medium stocks (current market capitalization
      greater than 50% and less than 150% of the average market capitalization
      of all component securities), or large stocks (current market capitalization
      greater than or equal to 150% of the average market capitalization of all
      component securities). </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">A determination is then made, based
    on the current (true) market capitalization if: </FONT></P>
<TABLE border=0 cellspacing=0 cellpadding=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">1.</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <FONT size=2 face="serif">Any single component security represents
        25% or more of the current market capitalization of the basket; and/or</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">2.</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <FONT size=2 face="serif">All component securities that individually
        represent 5% or more of the total current market capitalization of the
        basket in aggregate represent 50% or more of the total current market
        capitalization of the basket.</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
</TABLE>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If 1 is true, then: </FONT></P>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">3.</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <FONT size=2 face="serif">The weight of all qualifying component
        securities is set to 22.5%;</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">4.</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <FONT size=2 face="serif">The weight that represents the
        aggregate difference between the original weight and the new weight of
        22.5% for each qualifying component is redistributed as follows:</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
</TABLE>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">a)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=80%> <FONT size=2 face="serif">The weight of any component security
        that represents less than 1% of the total current market capitalization
        of the basket is increased to exactly 1%, beginning with the highest
        weighted, sub 1% component security and continuing until either all component
        securities are equal to or above 1% or until no excess weight remains
        to be distributed;</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=5>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">b)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=80%> <FONT size=2 face="serif">Beginning with the largest small
        stock, its weight is increased to the nearest whole percentage weight,
        and in one half percentage increments thereafter until the last iteration
        causes its weight to exceed the weight of the second largest small stock
        by 100%, and continuing until no excess weight remains to be distributed,
        except that:</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=5>&nbsp;</TD>
  </TR>
</TABLE>
<TABLE border=0 cellspacing=0 cellpadding=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">i.</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=75%> <FONT size=2 face="serif">If the next iteration would cause
        the subject stock to have a higher weight than the stock ranked immediately
        above it, the larger stock&#146;s weight is increased to the nearest
        whole percentage weight and in one half percents increments thereafter
        until the paused iteration would no longer cause the original subject
        stock to have a higher weight than the stock ranked immediately above
        it, until no excess weight remains to be distributed, or until the larger
        stock&#146;s weight exceeds the stock ranked immediately above it, in
        which case the step is repeated for the next higher weighted stock.</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=6>&nbsp;</TD>
  </TR>
</TABLE>
<P align="center"> <FONT size=2 face="serif">A-23 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">If 2 is true after steps 3 and 4,
    then: </FONT></P>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">5.</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <FONT size=2 face="serif">The weight of each qualifying component
        is proportionally reduced such that the aggregate weight of the qualifying
        components is exactly 45%, as follows:</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
</TABLE>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">a)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=80%> <FONT size=2 face="serif">For qualifying components 1 through
        n, (a) the difference between 45% and the aggregate weight of all the
        qualifying components prior to this reduction and (b) the percent of
        the total capitalization of the qualifying components that each qualifying
        component represents, is calculated. The weight of each qualifying component
        is reduced by an amount that equals a *b</FONT><SUB><FONT size=2 face="serif">(1-
        n) </FONT></SUB><FONT size=2 face="serif">, except that the proportional
        reduction shall not cause any component to have a lesser weight than
        the component security ranked immediately beneath it. If such a situation
        should occur, then the next largest component security or securities
        that would not have otherwise qualified for inclusion in the proportional
        reduction shall then be included.</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=5>&nbsp;</TD>
  </TR>
</TABLE>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">6.</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=85%> <FONT size=2 face="serif">The weight that represents the
        difference between the original aggregate weight and the new weight of
        45% for the group of qualifying components is redistributed as follows:</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=4>&nbsp;</TD>
  </TR>
</TABLE>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">a)</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=80%> <FONT size=2 face="serif">Beginning with the largest small
        stock, its weight is increased to the nearest whole percentage weight,
        and in one half percentage increments thereafter until the last iteration
        causes its weight to exceed the weight of the second largest small stock
        by 100%, and continuing until no excess weight remains to be distributed,
        except that:</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=5>&nbsp;</TD>
  </TR>
</TABLE>
<TABLE width="100%" border=0 cellpadding=0 cellspacing=0>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>

    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">i.</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=75%> <FONT size=2 face="serif">If the next iteration would cause
        the subject stock to have a higher weight than the stock ranked immediately
        above it, the larger stock&#146;s weight is increased to the nearest
        one half percentage weight and in half percent increments thereafter
        until the paused iteration would no longer cause the original subject
        stock to have a higher weight than the stock ranked immediately above
        it, until no excess weight remains to be distributed, or until the larger
        stock&#146;s weight exceeds the stock ranked immediately above it, in
        which case this step is repeated for the next higher weighted stock;
    and</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=6>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>

    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">ii.</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=75%> <FONT size=2 face="serif">Excess weight distributed to the
        smallest stock will increase its weight to no more than that of the adjusted
        weight of the second smallest stock; and</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=6>&nbsp;</TD>
  </TR>
  <TR>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>

    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap>&nbsp;</TD>
    <TD width="5%" valign=top nowrap> <FONT size=2 face="serif">iii.</FONT>&nbsp; &nbsp; &nbsp; </TD>
    <TD width=75%> <FONT size=2 face="serif">If the smallest stock has been
        increased to the level of the second smallest stock and excess weight
        remains to be distributed, then beginning with the largest small stock
        and continuing downward, the weight of each component is increased by
        half percentage increments until no excess weight remains, subject to
        the conditions and remedies of (i) above, except that if insufficient
        excess weight remains to solve the conditions and remedies of paragraph
        (i) above, than paragraph (iii) is started with the smallest stock whose
        weight exceeds the next smallest stock by at least one half percent.</FONT> </TD>
  </TR>
  <TR>
    <TD colspan=6>&nbsp;</TD>
  </TR>
</TABLE>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">New
    share values will be assigned to each component security by calculating the
    dollar value of each component security&#146;s new percent weight of the
    original total current market capitalization of the basket, divided by the
    last sale price of each respective component security. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">This
    process will be repeated at least semi-annually for implementation at the
    end of the January and July option expiration if the modified capitalization
    of a single component or group of components exceed the concentration thresholds
    stated above as of the last trading day of the previous month, and such rebalancing
    will be based on actual market capitalizations of the component stocks as
    determined by actual share amounts and closing prices on the last trading
    day of the previous month.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Adjustments for corporate actions
    are as follows: </FONT></P>
<blockquote>
  <p align="left"> <FONT size=2 face="serif">Stock splits &#150; modified share
        amounts will be adjusted proportionally to the stock price adjustment using
        the announced split ratio on the effective date of the split. No divisor
        change should be necessary except for rounding. </FONT></p>
</blockquote>
<P align="center"> <FONT size=2 face="serif">A-24 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<blockquote>
  <p align="left"> <FONT size=2 face="serif">Share changes greater than 5% &#150; due
        to mergers, acquisitions, or stock repurchase, modified share amounts will
        be adjusted in proportion to the announced share change. Divisor changes
        will be necessary. </FONT></p>
</blockquote>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Adjustments for stock addition or
    removal are as follows: </FONT></P>
<blockquote>
  <p align="left"> <FONT size=2 face="serif">Stock removal &#150; no adjustments
        to the remaining component modified shares made. Divisor changes will be
        necessary. </FONT></p>
  <p align="left"> <FONT size=2 face="serif">Stock addition &#150; the modified
        share weight of a stock addition will be determined in a 4 step process: </FONT></p>
  <ul>
    <li><FONT size=2 face="serif">Determine the relative weight rank of the new
          component&#146;s true capitalization compared to the</FONT> <FONT size=2 face="serif">true
          capitalization of the current component list (e.g., 14th out of 25);<br>
          <br>
        </FONT></li>
    <li><FONT size=2 face="serif">Assign a modified capitalization to the new
          component that is midway between the modified</FONT> <FONT size=2 face="serif">capitalization
          of the two current components that ranked immediately above and below the
          new</FONT> <FONT size=2 face="serif">component (e.g., midway between the
          modified cap of numbers 13 and 14);<br>
          <br>
        </FONT></li>
    <li><FONT size=2 face="serif">Determine a number of modified shares required
          to achieve the modified capitalization based on</FONT> <FONT size=2 face="serif">the
          closing price of the new component on the day immediately prior to its
          addition; and<br>
          <br>
        </FONT></li>
    <li><FONT size=2 face="serif">Divisor changes will be necessary.</FONT></li>
  </ul>
</blockquote>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In this
    prospectus supplement, unless the context requires otherwise, references
    to the PHLX Housing Index will include any successor index and references
    to PHLX will include any successor to PHLX. </FONT></P>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <I><FONT size=2 face="serif"> License Agreement between PHLX
      and MS &amp; Co. </FONT></I><FONT size=2 face="serif">PHLX and MS &amp; Co.
      have entered into a non-exclusive license agreement providing license to
      MS &amp; Co., and certain of its affiliated and subsidiary companies, in
      exchange for a fee, of the right to use the PHLX Housing Index, which is
      owned and published by PHLX, in connection with securities, including the
      notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between PHLX and MS &amp; Co. provides that the following
    language must be set forth in this prospectus supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    PHLX Housing Index (trading symbol: HGX</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif">)
    is not sponsored, endorsed, sold or promoted by the PHLX. The PHLX makes
    no representation or warranty, express or implied, to the owners of the PHLX
    Housing Index or any member of the public regarding the advisability of investing
    in securities generally or in the PHLX Housing Index particularly or the
    ability of the PHLX Housing Index to track market performance. The PHLX&#146;s
    only relationship to Licensee is the licensing of certain names and marks
    and of the PHLX Housing Index, which is determined, composed and calculated
    without regard to the Licensee. The PHLX has no obligation to take the needs
    of the Licensee or the owners of the PHLX Housing Index into consideration
    in determining, composing or calculating the PHLX Housing Index. The PHLX
    is not responsible for and has not participated in any determination or calculation
    made with respect to the issuance or redemption of the PHLX Housing Index.
    The PHLX has no obligation or liability in connection with the administration,
    purchase, sale, marketing, promotion or trading of the PHLX Housing Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;PHLX
    Housing Sector</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif">&#148; and &#147;HGX</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2
face="serif">&#148; are service marks of the PHLX and have been licensed for
    use by Morgan Stanley &amp; Co. Incorporated. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">PHLX Oil Service Sector</FONT></B><B><SUP><FONT size=2 face="serif">SM</FONT></SUP></B><B><FONT size=2 face="serif"> Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Morgan
    Stanley has derived all information contained in this prospectus supplement
    regarding the PHLX Oil Service Sector</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2
face="serif"> Index (the &#147;PHLX Oil Index&#148;), including, without limitation,
    its make-up, method of calculation and changes in its components, from publicly
    available information. Such information reflects the policies of, and is
    subject to change by the Philadelphia Stock Exchange, Inc., which we refer
    to as the &#147;PHLX.&#148; The PHLX Oil Index was developed by PHLX and
    is calculated, maintained and published by PHLX. Morgan Stanley makes no
    representation or warranty as to the accuracy or completeness of such information.</FONT></P>
<P align="center"> <FONT size=2 face="serif">A-25 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    PHLX Oil Index is a price-weighted index composed of fifteen companies that
    provide oil drilling and production services, oil field equipment, support
    services and geophysical/reservoir services. The PHLX Oil Index was set to
    an initial value of 75 on December 31, 1996 and options commenced trading
    on the PHLX Oil Index on February 24, 1997. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    PHLX Oil Index is calculated by adding the prices of the component stocks
    and dividing by the base market divisor, without any regard to capitalization.
    Typically, the higher priced and more volatile constituent issues will exert
    a greater influence over the movement of a price-weighted index. The PHLX
    Oil Index value calculation is described by the following formula: </FONT></P>
<P align="center"> <U><FONT size=2 face="serif">Sum of All Component Prices<br>
</FONT></U><FONT size=2 face="serif">Base
    Market Divisor </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">To maintain
    the continuity of the PHLX Oil Index, the divisor is adjusted to reflect
    non-market changes in the price of the component securities as well as changes
    in the composition of the PHLX Oil Index. Changes which may result in divisor
    adjustments include but are not limited to stock splits, dividends, spin
    offs, certain rights issuances and mergers and acquisitions. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between the PHLX and Morgan Stanley</FONT></I><FONT size=2 face="serif">.
      PHLX and Morgan Stanley have entered into a non-exclusive license agreement
      providing license to Morgan Stanley, and certain of its affiliated and
      subsidiary companies, in exchange for a fee, of the right to use the PHLX
      Oil Index, which is owned and published by PHLX, in connection with securities. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between PHLX and Morgan Stanley provides that the following
    language must be set forth in this prospectus supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">PHLX
    Oil Index (trading symbol: &#147;OSX</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif">&#148;)
    is not sponsored, endorsed, sold or promoted by the PHLX. PHLX makes no representation
    or warranty, express or implied, to the owners of the PHLX Oil Index or any
    member of the public regarding the advisability of investing in securities
    generally or in the PHLX Oil Index particularly or the ability of the PHLX
    Oil Index to track market performance. PHLX&#146;s only relationship to the
    licensee is the licensing of certain names and marks and of the PHLX Oil
    Index, which is determined, composed and calculated without regard to the
    licensee. PHLX has no obligation to take the needs of the licensee or the
    owners of the PHLX Oil Index into consideration in determining, composing
    or calculating the PHLX Oil Index. PHLX is not responsible for and has not
    participated in any determination or calculation made with respect to the
    issuance or redemption of the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">PHLX
    has no obligation or liability in connection with the administration, purchase,
    sale, marketing, promotion or trading of the PHLX Oil Index. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;PHLX
    Oil Service Sector</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT size=2 face="serif"> Index&#148; and &#147;OSX</FONT><SUP><FONT size=2 face="serif">SM</FONT></SUP><FONT
size=2 face="serif">&#148; are service marks of the PHLX, and have been licensed
    for use by Morgan Stanley. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Russell 2000</FONT></B><B><SUP><FONT size=2 face="serif">&#174;</FONT></SUP></B><B><FONT size=2 face="serif"> Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Russell 2000</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index
    is an index calculated, published and disseminated by Frank Russell Company,
    and measures the composite price performance of stocks of 2,000 companies
    (the &#147;Russell 2000 Component Stocks&#148;) incorporated in the U.S.
    and its territories. Morgan Stanley obtained all information contained in
    this prospectus supplement regarding the Russell 2000 Index, including, without
    limitation, its make-up, method of calculation and changes in its components,
    from publicly available information. That information reflects the policies
    of, and is subject to change by, Frank Russell Company. Morgan Stanley makes
    no representation or warranty as to the accuracy or completeness of any information
    relating to the Russell 2000 Index. Frank Russell Company is under no obligation
    to continue to publish the Russell 2000 Index and may discontinue publication
    of the Russell 2000 Index at any time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">All
    2,000 stocks are traded on either the NYSE or the AMEX or in the over-the-counter
    market and are the 2,000 smallest securities that form the Russell 3000</FONT><SUP><FONT size=2
face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index. The Russell
    3000 Index is composed of the 3,000 </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-26 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">largest U.S. companies as determined
    by market capitalization and represents approximately 98% of the U.S. equity
    market. The Russell 2000 Index consists of the smallest 2,000 companies included
    in the Russell 3000 Index and represents a small portion of the total market
    capitalization of the Russell 3000 Index. The Russell 2000 Index is designed
    to track the performance of the small capitalization segment of the U.S.
    equity market. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Selection
      of stocks underlying the Russell 2000 Index. </FONT></I><FONT size=2 face="serif"> The
      Russell 2000 Index is a sub-group of the Russell 3000 Index. To be eligible
      for inclusion in the Russell 3000 Index, and, consequently, the Russell
      2000 Index, a company&#146;s stocks must be listed on May 31 of a given
      year and Frank Russell Company must have access to documentation verifying
      the company&#146;s eligibility for inclusion. Beginning September 2004,
      eligible initial public offerings are added to Russell U.S. Indices at
      the end of each calendar quarter, based on total market capitalization
      rankings within the market-adjusted capitalization breaks established during
      the most recent reconstitution. To be added to any Russell U.S. index during
      a quarter outside of reconstitution, initial public offerings must meet
      additional eligibility criteria. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Only
    common stocks belonging to corporations incorporated in the U.S. and its
    territories are eligible for inclusion in the Russell 3000 Index and, consequently,
    the Russell 2000 Index. The following securities are specifically excluded
    from the Russell 2000 Index: (i) stocks traded on U.S. exchanges but incorporated
    in other countries; (ii) preferred and convertible preferred stock, redeemable
    shares, participating preferred stock, warrants, rights and trust receipts;
    (iii) royalty trusts, limited liability companies, closed-end investment
    companies and limited partnerships and (iv) bulletin board, pink sheets or
    over-the-counter traded securities. In addition, Berkshire Hathaway is excluded
    as a special exception due to its similarity to a mutual fund and lack of
    liquidity. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    primary criteria used to determine the initial list of securities eligible
    for the Russell 3000 Index is total market capitalization, which is defined
    as the price of the shares times the total number of available shares. All
    common stock share classes are combined in determining market capitalization.
    If multiple share classes have been combined, the price of the primary vehicle
    (usually the most liquid) is used in the calculations. In cases where the
    common stock share classes act independently of each other (e.g., tracking
    stocks), each class is considered for inclusion separately. Stocks must trade
    at or above &#36;1.00 on May 31 of each year to be eligible for inclusion
    in the Russell 2000 Index. However, if a stock falls below &#36;1.00 intra-year,
    it will not be removed until the next reconstitution if it is still trading
    below &#36;1.00. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Russell 2000 Index is reconstituted annually to reflect changes in the marketplace.
    The list of companies is ranked based on May 31 total market capitalization,
    with the actual reconstitution effective on the first trading day following
    the final Friday of June each year. Changes in the constituents are preannounced
    and subject to change if any corporate activity occurs or if any new information
    is received prior to release. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Capitalization
      Adjustments. </FONT></I><FONT size=2 face="serif">As a capitalization-weighted
      index, the Russell 2000 Index reflects changes in the capitalization, or
      market value, of the Russell 2000 Component Stocks relative to the capitalization
      on a base date. The current Russell 2000 Index value is calculated by adding
      the market values of the Russell 2000 Index&#146;s Russell 2000 Component
      Stocks, which are derived by multiplying the price of each stock by the
      number of available shares, to arrive at the total market capitalization
      of the 2,000 stocks. The total market capitalization is then divided by
      a divisor, which represents the &#147;adjusted&#148; capitalization of
      the Russell 2000 Index on the base date of December 31, 1986. To calculate
      the Russell 2000 Index, last sale prices will be used for exchange-traded
      stocks. If a component stock is not open for trading, the most recently
      traded price for that security will be used in calculating the Russell
      2000 Index. In order to provide continuity for the Russell 2000 Index&#146;s
      value, the divisor is adjusted periodically to reflect events including
      changes in the number of common shares outstanding for Russell 2000 Component
      Stocks, company additions or deletions, corporate restructurings and other
      capitalization changes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Available
    shares are assumed to be shares available for trading. Exclusion of capitalization
    held by other listed companies and large holdings of private investors (10%
    or more) is based on information recorded in corporate filings with the Securities
    and Exchange Commission. Other sources are used in cases of missing or questionable
    data. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-27 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The following types of shares are
    considered unavailable for the purposes of capitalization determinations: </FONT></P>
<UL>
  <LI> <FONT size=2 face="serif">ESOP or LESOP shares &#150; corporations that
      have Employee Stock Ownership Plans that comprise 10%</FONT> <FONT size=2 face="serif">or
      more of the shares outstanding are adjusted;<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">Corporate cross-owned shares &#150; when shares
      of a company in the index are held by another company</FONT> <FONT size=2 face="serif">also
      in the index, this is considered corporate cross-ownership. Any percentage
      held in this class will</FONT> <FONT size=2 face="serif">be adjusted;<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">Large private and corporate shares &#150; large
      private and corporate holdings are defined as those shares</FONT> <FONT size=2 face="serif">held
      by an individual, a group of individuals acting together or a corporation
      not in the index that own</FONT> <FONT size=2 face="serif">10% or more
      of the shares outstanding. However, not to be included in this class are
      institutional</FONT> <FONT size=2 face="serif">holdings, which are: investment
      companies, partnerships, insurance companies, mutual funds, banks</FONT> <FONT size=2 face="serif">or
      venture capitals;<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">Unlisted share classes &#150; classes of common
      stock that are not traded on a U.S. securities exchange; and<br>
      <br>
  </FONT></LI>
  <LI> <FONT size=2 face="serif">Initial public offering lock-ups &#150; shares
      locked-up during an initial public offering are not available to</FONT> <FONT size=2 face="serif">the
      public and will be excluded from the market value at the time the initial
      public offering enters the</FONT> <FONT size=2 face="serif">index.</FONT></LI>
</UL>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Corporate
      Actions Affecting the Russell 2000 Index. </FONT></I><FONT size=2 face="serif">The
      following summarizes the types of Russell 2000 Index maintenance adjustments
      and indicates whether or not an index adjustment is required: </FONT></P>
<UL>
  <LI> <FONT size=2 face="serif">&#147;No Replacement&#148; Rule &#150; Securities
      that leave the Russell 2000 Index, between reconstitution dates,</FONT> <FONT size=2 face="serif">for
      any reason (e.g., mergers, acquisitions or other similar corporate activity)
      are not replaced. Thus,</FONT> <FONT size=2 face="serif">the number of
      securities in the Russell 2000 Index over the past year will fluctuate
      according to</FONT> <FONT size=2 face="serif">corporate activity.<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">Rule for Deletions &#150; When a stock is acquired,
      delisted, or moves to the pink sheets or bulletin boards</FONT> <FONT size=2 face="serif">on
      the floor of a U.S. securities exchange, the stock is deleted from the
      index at the close on the</FONT> <FONT size=2 face="serif">effective date
      or when the stock is no longer trading on the exchange. When deleting stocks
      from the</FONT> <FONT size=2 face="serif">Russell 2000 Index as a result
      of exchange de-listing or reconstitution, the price used will be the</FONT> <FONT size=2 face="serif">market
      price on the day of deletion, including potentially the OTC bulletin board
      price. Previously,</FONT> <FONT size=2 face="serif">prices used to reflect
      de-listed stocks were the last traded price on the primary exchange. Exceptions</FONT> <FONT size=2 face="serif">exist
      for certain corporate events, like mergers or acquisitions, that result
      in the lack of current market</FONT> <FONT size=2 face="serif">price for
      the deleted security and in such an instance the latest primary exchange
      closing price</FONT> <FONT size=2 face="serif">available will be used.<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">When acquisitions or mergers take place within
      the Russell 2000 Index, the stock&#146;s capitalization</FONT> <FONT size=2 face="serif">moves
      to the acquiring stock, hence, mergers have no effect on the index total
      capitalization. Shares</FONT> <FONT size=2 face="serif">are updated for
      the acquiring stock at the time the transaction is final.<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">Rule for Additions &#150; The only additions
      between reconstitution dates are as a result of spin-offs and</FONT> <FONT size=2 face="serif">initial
      public offerings. Spin-off companies are added to the parent company&#146;s
      index and capitalization</FONT> <FONT size=2 face="serif">tier of membership,
      if the spin-off is large enough. To be eligible, the spun-off company&#146;s
      total market</FONT> <FONT size=2 face="serif">capitalization must be greater
      than the market-adjusted total market capitalization of the smallest</FONT> <FONT size=2 face="serif">security
      in the Russell 2000 Index at the latest reconstitution.<br>
      <br>
      </FONT></LI>
  <LI> <FONT size=2 face="serif">Rule for Corporate Action-Driven Changes &#150; Beginning
      April 1, 2003 changes resulting from</FONT> <FONT size=2 face="serif">corporate
      actions generally are applied at the open of the ex-date using the previous
      day&#146;s closing</FONT> <FONT size=2 face="serif">prices. For reclassification
      of shares, mergers and acquisitions, spin-offs or reorganizations,</FONT> <FONT size=2 face="serif">adjustments
      will be made at the open of the ex-date using previous day closing prices.
      For re-</FONT> <FONT size=2 face="serif">incorporations and exchange delisting,
      deleted entities will be removed at the open on the day</FONT> <FONT size=2 face="serif">following
      re-incorporation or delisting using previous day closing prices (including
      OTC prices for</FONT> <FONT size=2 face="serif">delisted stocks).</FONT></LI>
</UL>
<P align="center"> <FONT size=2 face="serif">A-28 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Updates
      to Share Capital Affecting the Russell 2000 Index. </FONT></I><FONT size=2 face="serif">Each
      month, the Russell 2000 Index is updated for changes to shares outstanding
      as companies report changes in share capital to the Securities and Exchange
      Commission. Effective April 30, 2002, only cumulative changes to shares
      outstanding greater than 5% will be reflected in the Russell 2000 Index.
      This does not affect treatment of major corporate events, which are effective
      on the ex-date. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">Pricing
      of Securities Included in the Russell 2000 Index. </FONT></I><FONT size=2 face="serif">Effective
      on January 1, 2002, primary exchange closing prices are used in the daily
      index calculations. FT Interactive data is used as the primary source for
      U.S. security prices, income, and total shares outstanding. Prior to January
      1, 2002, composite closing prices, which are the last trade price on any
      U.S. exchange, were used in the daily index calculations. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between Frank Russell Company and Morgan Stanley. </FONT></I><FONT size=2 face="serif">Frank
      Russell Company and Morgan Stanley have entered into a non-exclusive license
      agreement providing for the license to Morgan Stanley, and certain of its
      affiliated or subsidiary companies, in exchange for a fee, of the right
      to use the Russell 2000 Index, which is owned and published by Frank Russell
      Company, in connection with securities, including the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between Frank Russell Company and Morgan Stanley provides
    that the following language must be set forth in this prospectus supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    notes are not sponsored, endorsed, sold or promoted by Frank Russell Company.
    Frank Russell Company makes no representation or warranty, express or implied,
    to the owners of the notes or any member of the public regarding the advisability
    of investing in securities generally or in the notes particularly or the
    ability of the Russell 2000 Index to track general stock market performance
    or a segment of the same. Frank Russell Company&#146;s publication of the
    Russell 2000 Index in no way suggests or implies an opinion by Frank Russell
    Company as to the advisability of investment in any or all of the securities
    upon which the Russell 2000 Index is based. Frank Russell Company&#146;s
    only relationship to Morgan Stanley is the licensing of certain trademarks
    and trade names of Frank Russell Company and of the Russell 2000 Index, which
    is determined, composed and calculated by Frank Russell Company without regard
    to Morgan Stanley or the notes. Frank Russell Company is not responsible
    for and has not reviewed the notes nor any associated literature or publications
    and Frank Russell Company makes no representation or warranty express or
    implied as to their accuracy or completeness, or otherwise. Frank Russell
    Company reserves the right, at any time and without notice, to alter, amend,
    terminate or in any way change the Russell 2000 Index. Frank Russell Company
    has no obligation or liability in connection with the administration, marketing
    or trading of the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">FRANK
    RUSSELL COMPANY DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF
    THE RUSSELL 2000 INDEX OR ANY DATA INCLUDED THEREIN AND FRANK RUSSELL COMPANY
    SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN.
    FRANK RUSSELL COMPANY MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS
    TO BE OBTAINED BY MORGAN STANLEY, INVESTORS, OWNERS OF THE NOTES, OR ANY
    OTHER PERSON OR ENTITY FROM THE USE OF THE RUSSELL 2000 INDEX OR ANY DATA
    INCLUDED THEREIN. FRANK RUSSELL COMPANY MAKES NO EXPRESS OR IMPLIED WARRANTIES,
    AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR
    A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE RUSSELL 2000 INDEX OR ANY
    DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT
    SHALL FRANK RUSSELL COMPANY HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE,
    INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED
    OF THE POSSIBILITY OF SUCH DAMAGES. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The &#147;Russell
    2000</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index&#148; is
    a trademark of Frank Russell Company and has been licensed for use by Morgan
    Stanley. The notes are not sponsored, endorsed, sold or promoted by Frank
    Russell Company and Frank Russell Company makes no representation regarding
    the advisability of investing in the notes. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">S&amp;P 500</FONT></B><B><SUP><FONT size=2 face="serif">&#174;</FONT></SUP></B><B><FONT size=2 face="serif"> Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    S&amp;P 500</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index
    was developed by Standard &amp; Poor&#146;s</FONT><SUP><FONT size=2
face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Corporation, which
    we refer to as S&amp;P</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,
    and is calculated, maintained and published by S&amp;P. Morgan Stanley obtained
    all information contained in this prospectus </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-29 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">supplement regarding the S&amp;P 500
    Index, including, without limitation, its make-up, method of calculation
    and changes in its components, from publicly available information. That
    information reflects the policies of, and is subject to change by, S&amp;P.
    Morgan Stanley makes no representation or warranty as to the accuracy or
    completeness of any information relating to the S&amp;P 500 Index. S&amp;P
    is under no obligation to continue to publish the S&amp;P 500 Index and may
    discontinue publication of the S&amp;P 500 Index at any time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    S&amp;P 500 Index is intended to provide a performance benchmark for the
    U.S. equity markets. The calculation of the value of the S&amp;P 500 Index
    (discussed below in further detail) is based on the relative value of the
    aggregate Market Value (as defined below) of the common stocks of 500 companies
    (the &#147;S&amp;P 500 Component Stocks&#148;) as of a particular time as
    compared to the aggregate average Market Value of the common stocks of 500
    similar companies during the base period of the years 1941 through 1943.
    The &#147;Market Value&#148; of any S&amp;P 500 Component Stock is the product
    of the market price per share and the number of the then outstanding shares
    of such S&amp;P 500 Component Stock. The 500 companies are not the 500 largest
    companies listed on the NYSE and not all 500 companies are listed on such
    exchange. S&amp;P chooses companies for inclusion in the S&amp;P 500 Index
    with an aim of achieving a distribution by broad industry groupings that
    approximates the distribution of these groupings in the common stock population
    of the U.S. equity market. S&amp;P may from time to time, in its sole discretion,
    add companies to, or delete companies from, the S&amp;P 500 Index to achieve
    the objectives stated above. Relevant criteria employed by S&amp;P include
    the viability of the particular company, the extent to which that company
    represents the industry group to which it is assigned, the extent to which
    the company&#146;s common stock is widely-held and the Market Value and trading
    activity of the common stock of that company. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    S&amp;P 500 Index is calculated using a base-weighted aggregate methodology:
    the level of the S&amp;P 500 Index reflects the total Market Value of all
    500 S&amp;P 500 Component Stocks relative to the S&amp;P 500 Index&#146;s
    base period of 1941-43 (the &#147;Base Period&#148;). </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">An indexed
    number is used to represent the results of this calculation in order to make
    the value easier to work with and track over time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    actual total Market Value of the S&amp;P 500 Component Stocks during the
    Base Period has been set equal to an indexed value of 10. This is often indicated
    by the notation 1941-43=10. In practice, the daily calculation of the S&amp;P
    500 Index is computed by dividing the total Market Value of the S&amp;P 500
    Component Stocks by a number called the &#147;S&amp;P 500 Index Divisor.&#148; By
    itself, the S&amp;P 500 Index Divisor is an arbitrary number. However, in
    the context of the calculation of the S&amp;P 500 Index, it is the only link
    to the original base period value of the S&amp;P 500 Index. The S&amp;P 500
    Index Divisor keeps the S&amp;P 500 Index comparable over time and is the
    manipulation point for all adjustments to the S&amp;P 500 Index (&#147;S&amp;P
    500 Index Maintenance&#148;). </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">S&amp;P
    500 Index Maintenance includes monitoring and completing the adjustments
    for company additions and deletions, share changes, stock splits, stock dividends,
    and stock price adjustments due to company restructurings or spinoffs. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">To prevent
    the value of the S&amp;P 500 Index from changing due to corporate actions,
    all corporate actions which affect the total Market Value of the S&amp;P
    500 Index require a S&amp;P 500 Index Divisor adjustment. By adjusting the
    S&amp;P 500 Index Divisor for the change in total Market Value, the value
    of the S&amp;P 500 Index remains constant. This helps maintain the value
    of the S&amp;P 500 Index as an accurate barometer of stock market performance
    and ensures that the movement of the S&amp;P 500 Index does not reflect the
    corporate actions of individual companies in the S&amp;P 500 Index. All S&amp;P
    500 Index Divisor adjustments are made after the close of trading and after
    the calculation of the closing value of the S&amp;P 500 Index. Some corporate
    actions, such as stock splits and stock dividends, require simple changes
    in the common shares outstanding and the stock prices of the companies in
    the S&amp;P 500 Index and do not require S&amp;P 500 Index Divisor adjustments. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-30 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    table below summarizes the types of S&amp;P 500 Index maintenance adjustments
    and indicates whether or not a S&amp;P 500 Index Divisor adjustment is required:</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<div align="center">
  <TABLE width="65%" border=0 cellpadding=0 cellspacing=0>
    <TR align="center" valign="bottom">
      <TD width=25% nowrap> <FONT size=2 face="serif">Type of Corporate<br>
Action </FONT></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% nowrap> <FONT size=2 face="serif">Adjustment Factor</FONT></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% nowrap><FONT size=2 face="serif">Divisor<br>
        Adjustment<br>
        Required
      </FONT></TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap><hr size=1 color=GRAY noshade></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap><hr size=1 color=GRAY noshade></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap><hr size=1 color=GRAY noshade></TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Stock split</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Shares Outstanding
          multiplied by 2;</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">No</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> &nbsp; &nbsp;<FONT size=2 face="serif">(</FONT><I><FONT size=2 face="serif">i.e.</FONT></I><FONT size=2 face="serif">,
          2-for-1)</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Stock Price divided
          by 2</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=20% nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Share issuance</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Shares Outstanding
          plus newly</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> &nbsp; &nbsp;<FONT size=2 face="serif">(</FONT><I><FONT size=2 face="serif">i.e.</FONT></I><FONT size=2 face="serif">,
          change &#8805; </FONT><FONT size=2 face="serif"> </FONT><FONT size=2 face="serif">5%)</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">issued Shares</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=20% nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Share repurchase</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Shares Outstanding
          minus</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> &nbsp; &nbsp;<FONT size=2 face="serif">(</FONT><I><FONT size=2 face="serif">i.e.</FONT></I><FONT size=2 face="serif">,
          change </FONT><FONT size=2 face="serif"> </FONT><FONT size=2 face="serif">&#8805; 5%)</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Repurchased Shares</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=20% nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Special cash dividends</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Share Price minus
          Special Dividend</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Company Change</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Add new company
          Market Value</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap>&nbsp; </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">minus old company
          Market Value</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=20% nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Rights Offering</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Price of parent
          company minus</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap> <U><FONT size=2 face="serif">Price of Rights<br>
      </FONT></U><FONT size=2 face="serif">Right Ratio</FONT></TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap><FONT size=2 face="serif">Spin-Off</FONT></TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap> <FONT size=2 face="serif"> Price of parent
      company minus</FONT></TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap><FONT size=2 face="serif"> Yes </FONT></TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap> <FONT size=2 face="serif">&nbsp; </FONT><U><FONT size=2 face="serif">Price
            of Spinoff Co.<br>
      </FONT></U><FONT size=2 face="serif">Share Exchange Ratio</FONT></TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap>&nbsp;</TD>
    </TR>
  </TABLE>
</div>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Stock
    splits and stock dividends do not affect the S&amp;P 500 Index Divisor of
    the S&amp;P 500 Index, because following a split or dividend both the stock
    price and number of shares outstanding are adjusted by S&amp;P so that there
    is no change in the Market Value of the S&amp;P 500 Component Stock. All
    stock split and dividend adjustments are made after the close of trading
    on the day before the ex-date. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Each
    of the corporate events exemplified in the table requiring an adjustment
    to the S&amp;P 500 Index Divisor has the effect of altering the Market Value
    of the S&amp;P 500 Component Stock and consequently of altering the aggregate
    Market Value of the S&amp;P 500 Component Stocks (the &#147;Post-Event Aggregate
    Market Value&#148;). In order that the level of the S&amp;P 500 Index (the &#147;Pre-Event
    Index Value&#148;) not be affected by the altered Market Value (whether increase
    or decrease) of the affected S&amp;P 500 Component Stock, a new S&amp;P 500
    Index Divisor (&#147;New S&amp;P 500 Divisor&#148;) is derived as follows: </FONT></P>
<div align="center"><BR>
<img src="a-31.jpg"></div>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">A large
    part of the S&amp;P 500 Index maintenance process involves tracking the changes
    in the number of shares outstanding of each of the S&amp;P 500 Index companies.
    Four times a year, on a Friday close to the end of each calendar quarter,
    the share totals of companies in the S&amp;P 500 Index are updated as required
    by any changes in the number of shares outstanding. After the totals are
    updated, the S&amp;P 500 Index Divisor is adjusted to compensate for the
    net change in the total Market Value of the S&amp;P 500 Index. In addition,
    any changes over 5% in the current common shares outstanding for the S&amp;P
    500 Index companies are carefully reviewed on a weekly basis, and when appropriate,
    an immediate adjustment is made to the S&amp;P 500 Index Divisor. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-31 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    S&amp;P 500 Index and S&amp;P&#146;s other U.S. indices moved to a float
    adjustment methodology in 2005 so that the indices will reflect only those
    shares that are generally available to investors in the market rather than
    all of a company&#146;s outstanding shares. Float adjustment excludes shares
    that are closely held by other publicly traded companies, venture capital
    firms, private equity firms, strategic partners or leveraged buyout groups;
    government entities; or other control groups, such as a company&#146;s own
    current or former officers, board members, founders, employee stock ownership
    plans or other investment vehicles controlled by the company or such other
    persons. In March 2005 the official S&amp;P U.S. indices moved half way to
    float adjustment and in September 2005 the indices will move to full float
    adjustment. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between S&amp;P and Morgan Stanley. </FONT></I><FONT size=2 face="serif">S&amp;P
      and Morgan Stanley have entered into a non-exclusive license agreement
      providing for the license to Morgan Stanley, and certain of its affiliated
      or subsidiary companies, in exchange for a fee, of the right to use the
      S&amp;P 500 Index, which is owned and published by S&amp;P, in connection
      with securities, including the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between S&amp;P and Morgan Stanley provides that the following
    language must be set forth in this prospectus supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    notes are not sponsored, endorsed, sold or promoted by S&amp;P. S&amp;P makes
    no representation or warranty, express or implied, to the owners of the notes
    or any member of the public regarding the advisability of investing in securities
    generally or in the notes particularly or the ability of the S&amp;P 500
    Index to track general stock market performance. S&amp;P&#146;s only relationship
    to us is the licensing of certain trademarks and trade names of S&amp;P and
    of the S&amp;P 500 Index, which is determined, composed and calculated by
    S&amp;P without regard to us or the notes. S&amp;P has no obligation to take
    our needs or the needs of the owners of the notes into consideration in determining,
    composing or calculating the S&amp;P 500 Index. S&amp;P is not responsible
    for and has not participated in the determination of the timing of, prices
    at, or quantities of the notes to be issued or in the determination or calculation
    of the equation by which the notes are to be converted into cash. S&amp;P
    has no obligation or liability in connection with the administration, marketing
    or trading of the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">S&amp;P
    DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE S&amp;P 500
    INDEX OR ANY DATA INCLUDED THEREIN. S&amp;P MAKES NO WARRANTY, EXPRESS OR
    IMPLIED, AS TO RESULTS TO BE OBTAINED BY MORGAN STANLEY, OWNERS OF THE NOTES,
    OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&amp;P 500 INDEX OR ANY
    DATA INCLUDED THEREIN IN CONNECTION WITH THE RIGHTS LICENSED UNDER THE LICENSE
    AGREEMENT DESCRIBED </FONT><FONT size=2 face="serif">HEREIN OR FOR ANY OTHER
    USE. S&amp;P
    MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND HEREBY EXPRESSLY DISCLAIMS ALL
    WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE
    WITH RESPECT TO THE S&amp;P 500 INDEX OR ANY DATA INCLUDED THEREIN. WITHOUT
    LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL S&amp;P HAVE ANY LIABILITY
    FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES (INCLUDING LOST
    PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;Standard &amp; Poor&#146;s</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,&#148; &#147;S&amp;P</FONT><SUP><FONT size=2
face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,&#148; &#147;S&amp;P
    500</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,&#148; &#147;Standard &amp; Poor&#146;s
    500&#148; and &#147;500&#148; are trademarks of The McGraw-Hill Companies,
    Inc. and have been licensed for use by Morgan Stanley. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">S&amp;P 100</FONT></B><B><SUP><FONT size=2 face="serif">&#174;</FONT></SUP></B><B><FONT size=2 face="serif"> Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    S&amp;P 100</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index
    is calculated, maintained and published by S&amp;P. Morgan Stanley obtained
    all information contained in this prospectus supplement regarding the S&amp;P
    100 Index, including, without limitation, its make-up, method of calculation
    and changes in its components, from publicly available information. That
    information reflects the policies of, and is subject to change by, S&amp;P.
    Morgan Stanley makes no representation or warranty as to the accuracy or
    completeness of any information relating to the S&amp;P 100 Index. S&amp;P
    is under no obligation to continue to publish the S&amp;P 100 Index and may
    discontinue publication of the S&amp;P 100 Index at any time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif"> The S&amp;P 100 Index is a subset
    of the S&amp;P 500 Index and comprises 100 leading U.S. stocks with exchange-listed
    options. Constituents of the S&amp;P 100 Index are selected for sector balance.
    The calculation of the value of the S&amp;P 100 Index (discussed below in
    further detail) is based on the relative value of the aggregate Market Value
    (as defined below) of the common stocks of 100 companies (the &#147;S&amp;P
    100 Component Stocks&#148;) as of a particular </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-32 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">time as compared to the aggregate
    average Market Value of the common stocks of 100 similar companies during
    the base period. The &#147;Market Value&#148; of any S&amp;P 100 Component
    Stock is the product of the market price per share and the number of the
    then outstanding shares of such S&amp;P 100 Component Stock. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif"> The S&amp;P 100 Index was originally
    developed by the Chicago Board Options Exchange (CBOE), which later transferred
    the S&amp;P 100 Index to S&amp;P for management. S&amp;P&#146;s U.S. Index
    Committee, which oversees the S&amp;P 500 Index and other S&amp;P equity
    indices, maintains the S&amp;P 100 Index. Because the S&amp;P 100 Index is
    derived from the S&amp;P 500 Index, the S&amp;P 100 Index stocks are also
    subject to the published S&amp;P 500 criteria for additions and deletions.
    In addition, only companies included in the S&amp;P 500 Index are eligible
    for inclusion in the S&amp;P 100 Index. All stocks added to the S&amp;P 100
    Index must maintain exchange-listed options. Stocks included in the S&amp;P
    100 Index must also meet the S&amp;P U.S. Index Committee&#146;s guidelines
    for sector representation. The sector composition of the S&amp;P 100 Index
    has remained comparable to the sector composition of the S&amp;P 500 Index.
    The S&amp;P U.S. Index Committee may remove a company from the S&amp;P 100
    Index if the company does not meet the inclusion qualifications or if the
    index becomes unbalanced in its sector representation. The S&amp;P U.S. Index
    Committee may also remove any company that violates any of the S&amp;P 500
    criteria. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    S&amp;P 100 Index is calculated using a base-weighted aggregate methodology
    where the level of the S&amp;P 100 Index reflects the total Market Value
    of all 100 S&amp;P 100 Component Stocks relative to the S&amp;P 100 Index&#146;s
    base period. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">An indexed
    number is used to represent the results of this calculation in order to make
    the value easier to work with and track over time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif"> The daily calculation of the S&amp;P
    100 Index is computed by dividing the total Market Value of the S&amp;P 100
    Component Stocks by a number called the &#147;S&amp;P 100 Index Divisor.&#148; By
    itself, the S&amp;P 100 Index Divisor is an arbitrary number. However, in
    the context of the calculation of the S&amp;P 100 Index, it is the only link
    to the original base period value of the S&amp;P 100 Index. The S&amp;P 100
    Index Divisor keeps the S&amp;P 100 Index comparable over time and is the
    manipulation point for all adjustments to the S&amp;P 100 Index (&#147;S&amp;P
    100 Index Maintenance&#148;). </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif"> S&amp;P 100 Index Maintenance includes
    monitoring and completing adjustments for company additions and deletions,
    share changes, stock splits, stock dividends, and stock-price adjustments
    due to company restructurings or spinoffs. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">To prevent
    the value of the S&amp;P 100 Index from changing due to corporate actions,
    all corporate actions which affect the total Market Value of the S&amp;P
    100 Index require a S&amp;P 100 Index Divisor adjustment. By adjusting the
    S&amp;P 100 Index Divisor for the change in total Market Value, the value
    of the S&amp;P 100 Index remains constant. This helps maintain the value
    of the S&amp;P 100 Index as an accurate barometer of stock market performance
    and ensures that the movement of the S&amp;P 100 Index does not reflect the
    corporate actions of individual companies in the S&amp;P 100 Index. All S&amp;P
    100 Index Divisor adjustments are made after the close of trading and after
    the calculation of the index closing value of the S&amp;P 100 Index. Some
    corporate actions, such as stock splits and stock dividends, require simple
    changes in the common shares outstanding and the stock prices of the companies
    in the S&amp;P 100 Index and do not require S&amp;P 100 Index Divisor adjustments. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    table below summarizes the types of S&amp;P 100 Index maintenance adjustments
    and indicates whether or not a S&amp;P 100 Index Divisor adjustment is required: </FONT></P>
<div align="center">
  <TABLE width="65%" border=0 cellpadding=0 cellspacing=0>
    <TR align="center" valign="bottom">
      <TD width=25% nowrap> <FONT size=2 face="serif">Type of Corporate<br>
        Action </FONT></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% nowrap> <FONT size=2 face="serif">Adjustment Factor</FONT></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% nowrap><FONT size=2 face="serif">Divisor<br>
        Adjustment<br>
        Required </FONT></TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap><hr size=1 color=GRAY noshade></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap><hr size=1 color=GRAY noshade></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap><hr size=1 color=GRAY noshade></TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Stock split</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Shares Outstanding
          multiplied by 2;</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">No</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> &nbsp; &nbsp;<FONT size=2 face="serif">(</FONT><I><FONT size=2 face="serif">i.e.</FONT></I><FONT size=2 face="serif">,
          2-for-1)</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Stock Price divided
          by 2</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=20% nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Share issuance</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Shares Outstanding
          plus newly</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> &nbsp; &nbsp;<FONT size=2 face="serif">(</FONT><I><FONT size=2 face="serif">i.e.</FONT></I><FONT size=2 face="serif">,
          change </FONT><FONT size=2 face="serif"> </FONT><FONT size=2 face="serif">&#8805;          5%)</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">issued Shares</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=20% nowrap>&nbsp; </TD>
    </TR>
  </TABLE>
  <BR>
</div>
<P align="center"> <FONT size=2 face="serif">A-33 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE>
<div align="center"><br>
  <br>
  <TABLE width="65%" border=0 cellpadding=0 cellspacing=0>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Share repurchase</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Shares Outstanding
          minus</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> &nbsp; &nbsp;<FONT size=2 face="serif">(</FONT><I><FONT size=2 face="serif">i.e.</FONT></I><FONT size=2 face="serif">,
          change </FONT><FONT size=2 face="serif"> </FONT><FONT size=2 face="serif">&#8805; 5%)</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Repurchased Shares</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=20% nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Special cash dividends</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Share Price minus
          Special Dividend</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Company Change</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Add new company
          Market Value</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap>&nbsp; </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">minus old company
          Market Value</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=20% nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap>&nbsp;</TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left width=25% nowrap> <FONT size=2 face="serif">Rights Offering</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=left width=50% nowrap> <FONT size=2 face="serif">Price of parent
          company minus</FONT> </TD>
      <TD  width=2%>&nbsp; </TD>
      <TD align=center width=20% nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap> <U><FONT size=2 face="serif">Price of Rights<br>
      </FONT></U><FONT size=2 face="serif">Right Ratio</FONT></TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap><FONT size=2 face="serif">Spin-Off</FONT></TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap> <FONT size=2 face="serif"> Price of parent company
          minus</FONT></TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap><FONT size=2 face="serif"> Yes </FONT></TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap> <FONT size=2 face="serif">&nbsp; </FONT><U><FONT size=2 face="serif">Price
            of Spinoff Co.<br>
      </FONT></U><FONT size=2 face="serif">Share Exchange Ratio</FONT></TD>
      <TD>&nbsp;</TD>
      <TD align=center nowrap>&nbsp;</TD>
    </TR>
  </TABLE>
</div>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Stock
    splits and stock dividends do not affect the S&amp;P 100 Index Divisor of
    the S&amp;P 100 Index, because following a split or dividend both the stock
    price and number of shares outstanding are adjusted by S&amp;P so that there
    is no change in the Market Value of the S&amp;P 100 Component Stock. All
    stock split and dividend adjustments are made after the close of trading
    on the day before the ex-date. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Each
    of the corporate events exemplified in the table requiring an adjustment
    to the S&amp;P 100 Index Divisor has the effect of altering the Market Value
    of the S&amp;P 100 Component Stock and consequently of altering the aggregate
    Market Value of the S&amp;P 100 Component Stocks (the &#147;Post-Event Aggregate
    Market Value&#148;). In order that the level of the S&amp;P 100 Index (the &#147;Pre-Event
    Index Value&#148;) not be affected by the altered Market Value (whether increase
    or decrease) of the affected S&amp;P 100 Component Stock, a new S&amp;P 100
    Index Divisor (&#147;New S&amp;P 100 Divisor&#148;) is derived as follows: </FONT></P>
<div align="center"><BR>
<img src="a-34.jpg" width="387" height="87"></div>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">A large
    part of the S&amp;P 100 Index maintenance process involves tracking the changes
    in the number of shares outstanding of each of the S&amp;P 100 Index companies.
    Four times a year, on a Friday close to the end of each calendar quarter,
    the share totals of companies in the S&amp;P 100 Index are updated as required
    by any changes in the number of shares outstanding. After the totals are
    updated, the S&amp;P 100 Index Divisor is adjusted to compensate for the
    net change in the total Market Value of the S&amp;P 100 Index. In addition,
    any changes over 5% in the current common shares outstanding for the S&amp;P
    100 Index companies are carefully reviewed on a weekly basis, and when appropriate,
    an immediate adjustment is made to the S&amp;P 100 Index Divisor. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    S&amp;P 100 Index and S&amp;P&#146;s other U.S. indices moved to a float
    adjustment methodology in 2005 so that the indices will reflect only those
    shares that are generally available to investors in the market rather than
    all of a company&#146;s outstanding shares. Float adjustment excludes shares
    that are closely held by other publicly traded companies, venture capital
    firms, private equity firms, strategic partners or leveraged buyout groups;
    government entities; or other control groups, such as a company&#146;s own
    current or former officers, board members, founders, employee stock ownership
    plans or other investment vehicles controlled by the company or such other
    persons. In March 2005 the official S&amp;P U.S. indices moved half way to
    float adjustment and in September 2005 the indices will move to full float
    adjustment. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif"> </FONT><I><FONT size=2 face="serif">License
      Agreement between S&amp;P and Morgan Stanley. </FONT></I><FONT size=2 face="serif">S&amp;P
      and Morgan Stanley have entered into a non-exclusive license agreement
      providing for the license to Morgan Stanley, and certain of its affiliated
      or subsidiary companies, in exchange for a fee, of the right to use the
      S&amp;P 100 Index, which is owned and published by S&amp;P, in connection
      with securities, including the notes. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-34 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between S&amp;P and Morgan Stanley provides that the following
    language must be set forth in this prospectus supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    notes are not sponsored, endorsed, sold or promoted by S&amp;P. S&amp;P makes
    no representation or warranty, express or implied, to the owners of the notes
    or any member of the public regarding the advisability of investing in securities
    generally or in the notes particularly or the ability of the S&amp;P 100
    Index to track general stock market performance. S&amp;P&#146;s only relationship
    to us is the licensing of certain trademarks and trade names of S&amp;P and
    of the S&amp;P 100 Index, which is determined, composed and calculated by
    S&amp;P without regard to us or the notes. S&amp;P has no obligation to take
    our needs or the needs of the owners of the notes into consideration in determining,
    composing or calculating the S&amp;P 100 Index. S&amp;P is not responsible
    for and has not participated in the determination of the timing of, prices
    at, or quantities of the notes to be issued or in the determination or calculation
    of the equation by which the notes are to be converted into cash. S&amp;P
    has no obligation or liability in connection with the administration, marketing
    or trading of the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">S&amp;P
    DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE S&amp;P 100
    INDEX OR ANY DATA INCLUDED THEREIN AND S&amp;P SHALL HAVE NO LIABILITY FOR
    ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. S&amp;P MAKES NO WARRANTY,
    EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY MORGAN STANLEY, OWNERS
    OF THE NOTES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&amp;P 100
    INDEX OR ANY DATA INCLUDED THEREIN. S&amp;P MAKES NO EXPRESS OR IMPLIED WARRANTIES,
    AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR
    A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE S&amp;P 100 INDEX OR ANY
    DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT
    SHALL S&amp;P HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL
    DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF
    SUCH DAMAGES. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;Standard &amp; Poor&#146;s</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,&#148; &#147;S&amp;P</FONT><SUP><FONT size=2
face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,&#148; &#147;S&amp;P
    100</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,&#148; are
    trademarks of The McGraw-Hill Companies, Inc. and have been licensed for
    use by Morgan Stanley. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">S&amp;P 400</FONT></B><B><SUP><FONT size=2 face="serif">&#174;</FONT></SUP></B><B><FONT size=2 face="serif"> (Midcap)
      Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Morgan
    Stanley obtained all information contained in this prospectus supplement
    regarding the S&amp;P 400</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> (Midcap)
    Index, which we refer to as the S&amp;P MidCap Index, including, without
    limitation, its make-up, method of calculation and changes in its components,
    from publicly available information. That information reflects the policies
    of, and is subject to change by, S&amp;P. Morgan Stanley makes no representation
    or warranty as to the accuracy or completeness of any information relating
    to the S&amp;P MidCap Index. S&amp;P is under no obligation to continue to
    publish the S&amp;P MidCap Index and may discontinue publication of the S&amp;P
    MidCap Index at any time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    S&amp;P MidCap Index is published by S&amp;P and is intended to provide a
    benchmark for performance measurement of the medium capitalization segment
    of the U.S. equity markets. It tracks the stock price movement of 400 companies
    with mid-sized market capitalizations, primarily ranging from &#36;1 billion
    to &#36;4 billion. The calculation of the value of the S&amp;P MidCap Index
    (discussed below in further detail) is based on the relative value of the
    aggregate Market Value (as defined below) of the common stocks of 400 companies
    (the &#147;S&amp;P Midcap Component Stocks&#148;) as of a particular time
    as compared to the aggregate average Market Value of the common stocks of
    400 similar companies during the base period of June 28, 1991. The &#147;Market
    Value&#148; of any S&amp;P Midcap Component Stock is the product of the market
    price per share and the number of the then outstanding shares of such S&amp;P
    Midcap Component Stock. S&amp;P chooses companies for inclusion in the S&amp;P
    MidCap Index with an aim of achieving a distribution by broad industry groupings
    that approximates the distribution of these groupings in the common stock
    population of the medium capitalization segment of the U.S. equity market.
    S&amp;P may from time to time, in its sole discretion, add companies to,
    or delete companies from, the S&amp;P MidCap Index to achieve the objectives
    stated above. Relevant criteria employed by S&amp;P include the viability
    of the particular company, the extent to which that company represents the
    industry group to which it is assigned, the extent to which the company&#146;s
    common stock is widely held and the Market Value and trading activity of
    the common stock of that company. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-35 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    S&amp;P MidCap Index is calculated using a base-weighted aggregate methodology:
    the level of the S&amp;P MidCap Index reflects the total Market Value of
    all 400 S&amp;P Midcap Component Stocks relative to the S&amp;P MidCap Index&#146;s
    base period of June 28, 1991 (the &#147;Base Period&#148;). An indexed number
    is used to represent the results of this calculation in order to make the
    value easier to work with and track over time. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    actual total Market Value of the S&amp;P Midcap Component Stocks during the
    Base Period has been set equal to an indexed value of 100. This is often
    indicated by the notation June 28, 1991=100. In practice, the daily calculation
    of the S&amp;P MidCap Index is computed by dividing the total Market Value
    of the S&amp;P Midcap Component Stocks by a number called the &#147;S&amp;P
    MidCap Index Divisor.&#148; By itself, the S&amp;P MidCap Index Divisor is
    an arbitrary number. However, in the context of the calculation of the S&amp;P
    MidCap Index, it is the only link to the original base period value of the
    S&amp;P MidCap Index. The S&amp;P MidCap Index Divisor keeps the S&amp;P
    MidCap Index comparable over time and is the manipulation point for all adjustments
    to the S&amp;P MidCap Index (&#147;S&amp;P MidCap Index Maintenance&#148;).
    S&amp;P MidCap Index Maintenance includes monitoring and completing the adjustments
    for company additions and deletions, share changes, stock splits, stock dividends
    and stock price adjustments due to company restructurings or spinoffs. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">To prevent
    the value of the S&amp;P MidCap Index from changing due to corporate actions,
    all corporate actions which affect the total Market Value of the S&amp;P
    MidCap Index require a S&amp;P MidCap Index Divisor adjustment. By adjusting
    the S&amp;P MidCap Index Divisor for the change in total Market Value, the
    value of the S&amp;P MidCap Index remains constant. This helps maintain the
    value of the S&amp;P MidCap Index as an accurate barometer of stock market
    performance and ensures that the movement of the S&amp;P MidCap Index does
    not reflect the corporate actions of individual companies in the S&amp;P
    MidCap Index. All S&amp;P MidCap Index Divisor adjustments are made after
    the close of trading and after the calculation of the index closing value
    of the S&amp;P MidCap Index. Some corporate actions, such as stock splits
    and stock dividends, require simple changes in the common shares outstanding
    and the stock prices of the companies in the S&amp;P MidCap Index and do
    not require S&amp;P MidCap Index Divisor adjustments. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    table below summarizes the types of S&amp;P MidCap Index maintenance adjustments
    and indicates whether or not a S&amp;P MidCap Index Divisor adjustment is
    required. </FONT></P>
<div align="center">
  <TABLE width="65%" border=0 cellpadding=0 cellspacing=0>
    <TR align="center" valign="bottom">
      <TD width=25% nowrap> <FONT size=2 face="serif"><strong>Type of Corporate<br>
        Action</strong></FONT></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% nowrap> <FONT size=2 face="serif"><strong>Adjustment Factor</strong></FONT></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% nowrap><FONT size=2 face="serif"><strong>Divisor<br>
        Adjustment<br>
        Required</strong></FONT></TD>
    </TR>
    <TR valign="bottom">
      <TD width=25% align=left nowrap><hr size=1 color=GRAY noshade></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=50% align=left nowrap><hr size=1 color=GRAY noshade></TD>
      <TD  width=2%>&nbsp;</TD>
      <TD width=20% align=center nowrap><hr size=1 color=GRAY noshade></TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">Stock split</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Shares Outstanding</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">(</FONT><I><FONT size=2 face="serif">i.e.</FONT></I><FONT size=2 face="serif">,
          2-for-1)</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">multiplied by 2; Stock Price</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp; </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">divided by 2</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">No</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">Share issuance</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Shares Outstanding plus</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">(</FONT><I><FONT size=2 face="serif">i.e.</FONT></I><FONT size=2 face="serif">,
          change &gt; 5%)</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">newly issued Shares</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">Share repurchase</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Shares Outstanding minus</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">(i.e., change &gt; 5%)</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Repurchased Shares</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">Special cash</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Share Price minus Special</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">dividends</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Dividend</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">Company change</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Add new company Market</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp; </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Value minus old company</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp; </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Market Value</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">Rights offering</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Price of parent company</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp; </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">minus</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp; </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <U><FONT size=2 face="serif">Price of Rights</FONT></U> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp; </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Right Ratio</FONT></TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
      <TD>&nbsp;</TD>
      <TD align=left nowrap>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap> <FONT size=2 face="serif">Spin-Off</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Price of parent company</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp; </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">minus</FONT> </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap>&nbsp; </TD>
    </TR>
    <TR valign="bottom">
      <TD align=center>&nbsp;</TD>
      <TD align=center>&nbsp;</TD>
      <TD align=left> <U><FONT size=2 face="serif">Price of Spinoff Co.</FONT></U> </TD>
      <TD align=center>&nbsp;</TD>
      <TD align=center>&nbsp;</TD>
    </TR>
    <TR valign="bottom">
      <TD align=left nowrap>&nbsp; </TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Share Exchange Ratio</FONT></TD>
      <TD>&nbsp; </TD>
      <TD align=left nowrap> <FONT size=2 face="serif">Yes</FONT> </TD>
    </TR>
  </TABLE>
</div>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Stock
    splits and stock dividends do not affect the S&amp;P MidCap Index Divisor
    of the S&amp;P MidCap Index, because following a split or dividend both the
    stock price and number of shares outstanding are adjusted by S&amp;P so </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-36 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">that there is no change in the Market
    Value of the S&amp;P Midcap Component Stock. All stock split and dividend
    adjustments are made after the close of trading on the day before the ex-date. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Each
    of the corporate events exemplified in the table requiring an adjustment
    to the S&amp;P MidCap Index Divisor has the effect of altering the Market
    Value of the S&amp;P Midcap Component Stock and consequently of altering
    the aggregate Market Value of the S&amp;P Midcap Component Stocks (the &#147;Post-Event
    Aggregate Market Value&#148;). In order that the level of the S&amp;P MidCap
    Index (the &#147;Pre-Event Index Value&#148;) not be affected by the altered
    Market Value (whether increase or decrease) of the affected S&amp;P Midcap
    Component Stock, a new S&amp;P MidCap Index Divisor (&#147;New S&amp;P MidCap
Divisor&#148;) is derived as follows: </FONT></P>
<P align="center"><font size="2" face="serif"><img src="a37-1.jpg"></font><BR>
  <img src="a37-2.jpg"></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">A large
    part of the S&amp;P MidCap Index maintenance process involves tracking the
    changes in the number of shares outstanding of each of the S&amp;P MidCap
    Index companies. Four times a year, on a Friday near the end of each calendar
    quarter, the share totals of companies in the S&amp;P MidCap Index are updated
    as required by any changes in the number of shares outstanding. After the
    totals are updated, the S&amp;P MidCap Index Divisor is adjusted to compensate
    for the net change in the total Market Value of the S&amp;P MidCap Index.
    In addition, any changes over 5% in the current common shares outstanding
    for the S&amp;P MidCap Index companies are carefully reviewed on a weekly
    basis, and when appropriate, an immediate adjustment is made to the S&amp;P
    MidCap Index Divisor. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    S&amp;P MidCap Index and S&amp;P&#146;s other U.S. indices moved to a float
    adjustment methodology in 2005 so that the indices will reflect only those
    shares that are generally available to investors in the market rather than
    all of a company&#146;s outstanding shares. Float adjustment excludes shares
    that are closely held by other publicly traded companies, venture capital
    firms, private equity firms, strategic partners or leveraged buyout groups;
    government entities; or other control groups, such as a company&#146;s own
    current or former officers, board members, founders, employee stock ownership
    plans or other investment vehicles controlled by the company or such other
    persons. In March 2005 the official S&amp;P U.S. indices moved half way to
    float adjustment and on September 16, 2005 the indices moved to full float
    adjustment. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between Standard &amp; Poor&#146;s Corporation and Morgan Stanley. </FONT></I><FONT size=2 face="serif">S&amp;P
      and Morgan Stanley have entered into a non-exclusive license agreement
      providing for the license to Morgan Stanley, and certain of its affiliated
      or subsidiary companies, in exchange for a fee, of the right to use the
      S&amp;P MidCap Index, which is owned and published by S&amp;P, in connection
      with securities, including the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between S&amp;P and Morgan Stanley provides that the following
    language must be set forth in this prospectus supplement: </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    notes are not sponsored, endorsed, sold or promoted by S&amp;P. S&amp;P makes
    no representation or warranty, express or implied, to the holders of the
    notes or any member of the public regarding the advisability of investing
    in securities generally or in the notes particularly or the ability of the
    S&amp;P MidCap Index to track general stock market performance. S&amp;P&#146;s
    only relationship to us is the licensing of certain trademarks and trade
    names of S&amp;P and of the S&amp;P MidCap Index, which is determined, composed
    and calculated by S&amp;P without regard to us or the notes. S&amp;P has
    no obligation to take our needs or the needs of holders of the notes into
    consideration in determining, composing or calculating the S&amp;P MidCap
    Index. S&amp;P is not responsible for and has not participated in the determination
    of the timing of, prices at, or quantities of the notes to be issued or in
    the determination or calculation of the equation by which the notes are to
    be converted into cash. S&amp;P has no obligation or liability in connection
    with the administration, marketing or trading of the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">S&amp;P
    DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE S&amp;P MIDCAP
    INDEX OR ANY DATA INCLUDED THEREIN. S&amp;P MAKES NO WARRANTY, EXPRESS OR
    IMPLIED, AS TO RESULTS TO BE OBTAINED BY MORGAN STANLEY, HOLDERS OF THE NOTES,
    OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&amp;P MIDCAP INDEX OR
    ANY DATA </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-37 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> <FONT size=2 face="serif">INCLUDED THEREIN IN CONNECTION WITH
    THE RIGHTS LICENSED UNDER THE LICENSE AGREEMENT DESCRIBED HEREIN OR FOR ANY
    OTHER USE. S&amp;P MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND HEREBY EXPRESSLY
    DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
    OR USE WITH RESPECT TO THE S&amp;P MIDCAP INDEX OR ANY DATA INCLUDED THEREIN.
    WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL S&amp;P HAVE ANY
    LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES (INCLUDING
    LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;Standard &amp; Poor&#146;s</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,&#148; &#147;S&amp;P</FONT><SUP><FONT size=2
face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,&#148; &#147;S&amp;P
    400</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">,&#148; &#147;Standard &amp; Poor&#146;s
    MidCap 400</FONT><SUP><FONT size=2
face="serif">&#174;</FONT></SUP><FONT size=2 face="serif"> Index&#148; and &#147;S&amp;P
    MidCap Index&#148; are trademarks of Standard &amp; Poor&#146;s Corporation
    and have been licensed for use by Morgan Stanley. </FONT></P>
<P align="left"> <B><FONT size=2 face="serif">Tokyo Stock Price Index </FONT></B></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    Tokyo Stock Price Index (the &#147;TOPIX Index</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">&#148;)
    is published by Tokyo Stock Exchange, Inc. (&#147;TSE&#148;). Morgan Stanley
    has derived all information regarding the TOPIX Index, including its method
    of calculation, from publicly available sources, including the websites of
    the Tokyo Stock Exchange and other sources it believes to be reliable. Morgan
    Stanley makes no representation or warranty as to the accuracy or completeness
    of such information, nor incorporate any such information into this prospectus
    supplement. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    TOPIX Index was developed by the TSE. Publication of the TOPIX Index began
    on July 1, 1969, based on a base index value of 100 as of January 4, 1968.
    The TOPIX Index is computed and published every 15 seconds via TSE&#146;s
    Market Information System, and is reported to securities companies across
    Japan and available worldwide through computerized information networks. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    component stocks of the TOPIX Index consist of all common domestic stocks
    listed on the First Section of the TSE which have an accumulative length
    of listing of at least six months. The TOPIX Index measures changes in the
    aggregate market value of these stocks. The TSE domestic stock market is
    divided into two sections: the First Section and the Second Section. Listings
    of stocks on the TSE are divided between these two sections, with stocks
    listed on the First Section typically being limited to larger, longer established
    and more actively traded issues and the Second Section to smaller and newly
    listed companies. The component stocks of the TOPIX Index are determined
    based on market capitalization and liquidity. Review and selection of component
    stocks is conducted semiannually, based on market data as of the base date
    for selection. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    TOPIX Index is a free float adjusted market capitalization weighted index,
    with the market price of each component stock multiplied by the number of
    shares listed (as adjusted by multiplying the Free-Float Weight (&#147;FFW&#148;)
    to take into account only the listed shares deemed to be available for trading
    in the market). The TSE is responsible for calculating and maintaining the
    TOPIX Index, and can add, delete or substitute the stocks underlying the
    TOPIX Index or make other methodological changes that could change the value
    of the TOPIX Index. The underlying stocks may be removed, if necessary, in
    accordance with deletion/addition rules which provide generally for the deletion
    of a stock from the TOPIX Index if such stock ceases to meet the criteria
    for inclusion. Stocks listed on the Second Section of the TSE may be transferred
    to the First Section if they satisfy applicable criteria. Such criteria include
    numerical minimum values for number of shares listed, number of shareholders
    and average monthly trading volume, among others. Similarly, when a First
    Section stock falls within the coverage of TSE rules prescribing reassignment
    thereof to the Second Section, such stock will be removed from the First
    Section. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    TOPIX Index is not expressed in Japanese Yen, but is presented in terms of
    points (as a decimal figure) rounded off to the nearest one-hundredth. The
    TOPIX Index is calculated by multiplying 100 by the figure obtained by dividing
    the current free-float adjusted market value (the current market price per
    share at the time of the index calculation multiplied by the number of common
    shares listed on the First Section of the TSE at the same instance (as adjusted
    by multiplying the FFW)) (the &#147;TOPIX Current Market Value&#148;) by
    the base market value (i.e., the TOPIX Current Market Value on the base date)
    (the &#147;TOPIX Base Market Value&#148;).</FONT></P>
<P align="left">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The calculation of the TOPIX Index
    can be represented by the following formula: </FONT></P>
<div align="center"><img src="a-38.jpg" width="431" height="51"><BR>
</div>
<P align="center"> <FONT size=2 face="serif">A-38 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">In order
    to maintain continuity, the TOPIX Base Market Value is adjusted from time
    to time to ensure that it reflects only price movements resulting from auction
    market activity, and to eliminate the effects of other factors and prevent
    any instantaneous change or discontinuity in the level of the TOPIX Index.
    Such factors include, without limitation: new listings; delistings; new share
    issues either through public offerings or through rights offerings to shareholders;
    issuance of shares as a consequence of exercise of convertible bonds or warrants;
    and transfer of listed securities from the First Section to the Second Section
    of the TSE. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The formula for the adjustment is
    as follows: </FONT></P>
<div align="center"><img src="a39-1.jpg"></div>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Where,
    adjustment amount is equal to the changes in the number of shares included
    in the calculation of the index </FONT><I><FONT size=2 face="serif">multiplied</FONT></I><FONT size=2
face="serif"> by the price of those shares used for the purposes of the adjustment. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Therefore, </FONT></P>
<div align="center"><img src="a39-2.jpg"></div>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    TOPIX Base Market Value remains at the new value until a further adjustment
    is necessary as a result of another change. As a result of such change affecting
    the TOPIX Current Market Value or any stock underlying the TOPIX Index, the
    TOPIX Base Market Value is adjusted in such a way that the new value of the
    TOPIX Index will equal the level of the TOPIX Index immediately prior to
    such change. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">No adjustment
    is made to the TOPIX Base Market Value, however, in the case of events such
    as stock splits or decreases in capital without compensation, which theoretically
    do not affect market value.</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT size=2 face="serif">License
      Agreement between TSE and Morgan Stanley. </FONT></I><FONT size=2 face="serif">Morgan
      Stanley has entered into a non-exclusive license agreement with TSE providing
      for the license to Morgan Stanley, and certain of its affiliated or subsidiary
      companies, in exchange for a fee, of the right to use the TOPIX Index,
      which is owned and published by the TSE, in connection with securities,
      including the notes.</FONT><I><FONT size=2
face="serif"> </FONT></I></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The
    license agreement between the TSE and Morgan Stanley provides that the following
    language must be set forth in this prospectus supplement:</FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(i)
    The TOPIX Index Value and the TOPIX Trademarks are subject to the intellectual
    property rights owned by the TSE and the TSE owns all rights relating to
    the TOPIX Index, such as calculation, publication and use of the TOPIX Index
    Value and relating to the TOPIX Trademarks. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(ii)
    The TSE shall reserve the rights to change the methods of calculation or
    publication, to cease the calculation or publication of the TOPIX Index Value
    or to change the TOPIX Trademarks or cease the use thereof. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(iii)
    The TSE makes no warranty or representation whatsoever, either as to the
    results stemming from the use of the TOPIX Index Value and the TOPIX Trademarks
    or as to the figure at which the TOPIX Index Value stands on any particular
    day. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(iv)
    The TSE gives no assurance regarding accuracy or completeness of the TOPIX
    Index Value and data contained therein. Further, the TSE shall not be liable
    for the miscalculation, incorrect publication, delayed or interrupted publication
    of the TOPIX Index Value. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-39 </FONT></P>
<br>
<br>
<hr size=3 color=GRAY noshade>
<p style="page-break-before:always"></p>
<PAGE> <br>
<br>
<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(v) The notes are in no way sponsored,
    endorsed or promoted by the TSE </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(vi)
    The TSE shall not bear any obligation to give an explanation of the notes
    or any advice on investments to any purchaser of the notes or to the public. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(vii)
    The TSE neither selects specific stocks or groups thereof nor takes into
    account any needs of the issuer or any purchaser of the notes, for calculation
    of the TOPIX Index Value. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">(viii)
    Including but not limited to the foregoing, the TSE shall not be responsible
    for any damage resulting from the issue and sale of the notes. </FONT></P>
<P align="left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">&#147;TOPIX</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2 face="serif">&#148; and &#147;TOPIX
    Index</FONT><SUP><FONT size=2 face="serif">&#174;</FONT></SUP><FONT size=2
face="serif">&#148; are trademarks of the TSE and have been licensed for use
    by Morgan Stanley. The notes have not been passed on by the TSE as to their
    legality or suitability. The notes are not issued, endorsed, sold or promoted
    by the TSE. THE TSE MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT
    TO THE NOTES. </FONT></P>
<P align="center"> <FONT size=2 face="serif">A-40 </FONT></P>
<HR noshade align="center" width="100%" size=3>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>a-2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a-2.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`"H!B@,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`\/_:7\6^,O`'[//QL\;_#YM/A\9>$
M/A?XU\2Z%>:G<QVUMI5SHN@7VHS:W&D^@ZS;ZAJ&F6EO<:A::9=V#6NHW5C;
MV%W/9VUY+>6H!\P#XM^+?V:=5^)/@V\^'/C#Q?ING:?\$OB&^J:K\?\`XA_&
MV/P_JOQSN9/@GHGP]\/R^*/A_J'Q$O-/_P"%R^"FNXK33]-\4R3:-JWBC7K>
M*UUD:+X!UL#;RL>@:/\`M<ZAJWBWX=>#E^!_Q0M]4\1Z?X<OO'-K)X,^*"7W
M@RV\7_$3QG\+_#^N65I/\+H4@\'MK?@#Q'XBN=2^(UQ\++I?"+V&K6&FZEJT
ME[X=TH`T/C=IGC;X@_''X:_!A=8\0>$_AEXH^#_QI\7ZKXG^'?Q:\7_#/XCZ
M7XO\+ZM\,O#FC>(-*/A7PZO]I_V%_P`)];+::/JFNS:)J;^*]1O]7TN2?P;H
M]OK@&WD>?_`/]H[Q5+\'_@W?ZIX<_P"$F\,:'X?_`&7/A?\`$SX@:YXZU&3X
MCWOQ3^-/P_\`@K>Z/JVE>%+CPM>VGB[P_)J'QJ\!RZMKFJ^,M&U%7E\231:7
M?/IEF/$`!GZW^UQX^\9>%-7/PP\#Z?H'BO0_BA^R\89/$_B'6K'P]K_PH^.G
MQH@\$:%<:?XFNOA/J&FZ_J&MRZ#J^BZEJ?@M/%WA6TTSQ"=>\(^./%-UIZ6;
M@;>5CZ?^+_Q/\9?#O6OA1HWA+X>:?X^D^*/C#6_`,(N/&\?A"YT'Q#!X!\6^
M.]"U&[BNO#6H6]YX/^R>"M>;6[V&[74].M8$FTC1?$E],FEL`>(1_MF?VIX5
MM]<T'X3^((]6\3>'_A3XW^'GASQ#J_G:CK_@3XNZ=\1-1\-ZMK&D?"K0_'WB
M1/$#6WPB\>WS>'?!GAOQ]>6VE3^'M6U0Z9:-XK;X?`'G_P`7OVB/%7Q,^#_Q
MLMO!O@OQ!X5\,1_L@:'^TYX2^*ND?%74?!_B_0-'\9_#_P"(_B?P1::CI/A2
MVM=3TGX@6_CWX=0PMI&E:WJ^A7VB0ZO/JFMP/]F\.>)`#V#7/VHM8T3X<:5X
MY'PT^WZAXZ^,'BOX8_"WPYI.J>._$UYJNG>&(O&VH_\`"0?$/2/`OPCU_P`7
M_#WQ!+HWPX\7/>^#[+P=XIU70+]+'3/$0TJXBUUO"X!T'PP^*/Q'\<?''Q?I
M6I^&O^$7^&3?`#X"?$CPWH/B2ZETWXC^&]=^(NK?%-=0L_%_A$^$4_L;Q!+_
M`,(U>Z5JFFOXHU*'2G\":5+:"XG\3:I%H0!GZC^T3XRM+'QGXOL?A/I]]\,-
M"U#Q[X/\.^*&^(L=OXFU3XE^!OBYI?P37POKW@"/P?/>66GZYXR;Q1=:1+X1
MO/'FN:CI_AJ&WLO#=QXGU_2?#%Z`<_X=_:@\?>.M0^'.E>`?@MI^I7?Q$\'_
M`!<U-)?%7Q"UKP%;>%/%OP(^*&B?#'XDZ7XLT[6_A8WB'3?!\FI:U;?V)JD>
M@3^(KJZNK2TUSP=X;A_M"]T<#;R//_%W[27C[7;$>*?A!X0T^PE\2Z?^P)XO
M\.W_`(P^)NM64>J_"_\`:-^+FM^'UT;6?!$?@#Q+H7@3Q@^JV^L>&]6OM$;5
M[B71O$=MK*:K<7WA72=$(&WD'QS_`&B9/%/@W]J?X:6&D^,/!>J>#O@?\>/'
MGP\^(7A+Q1XRT6YNM5^`\FGZ7K]TOC+PSIFDZ/:ZA9>.]5\.^5I7A+QEXRD%
MK#JFD^.K7POJT=SX9N`-O([#Q1\?_BGX-U'XN/X9^"?A_P`3?\(G\8#X$U6Y
MUG]H'Q%8Z=JOB/Q%X5_9XM_@IH/A.QO_`(7ZM_PCGB#QU_PMS1K"31X;32?"
MNB:KH&LZCJWB$_VS+JEV!MY6.PO/VC_$.G_%72?@]/\`#G3W\4:UI\GAZSU&
MR\5>)M1\&P_&.+X4:G\7W\'ZMXST_P"%\^D:!X//AW2;J%;W4[JS\<NTMGJB
M?#5O#>HV>NW0!X_X'_:2\?:=X(_9F\1?$7PAI_B#QE\5/V</#^OZ-KFC_$W6
MM/TK7O'WCCXE_L\?#73X?&G@NS\`:=H6B:?JNJ_&'X<:[=>(;*SUV]\,QS^,
M=*T32[^V42^*0-O*QZAJ/[1OQ'L-6\.>$;?X-^']8\;7?Q@U?X&>*M+TKXL2
MQZ%H/C:7X')\?O"&LZ+X@UGX<:?-XE^'[^"9XCXBU"?2]&U?1YK6^BT30/%D
ML5I'J0!W]Y\<_P"U/A[\$_&'P]\+?VWJW[0G_"._\*WT+QEK?_"&:=;?V_\`
M#/Q'\7V_X3?7]$TCQ5-H/V?P3X1UU!_9>DZ_YFJFPL_W=I=3:E8@'@&O^)O&
MW[0_Q"^&'P[:3Q!\.?`6O?#_`/:?7QGJ7PX^,_B_P/X[\/?%CX(?$SPG\&-4
MUOPGJWA?PE8R>*_#^A>)M5O?[#M]<O;'3=>L_%TVK^(/#=G?^$],TK4P-O(/
MVB_&OQ3D_P"&T_"GVS_A'/!/P]_9`\/?%+P!K_@[Q]XB\->.]&\=G_A=VI6>
MNQ3>&_#FD7]E]MU?X>_9KRR_X2N\LX[/P3I(^SWD7C+6[+1P#H/%/[9-YX7U
M$>&#\$/B!JGCW3O$'BJ#Q+X'\/6>N^.-8L/#7A3PK\(O'=TNCM\+O"7BN/4O
MB!-X9^._PWM%T[4CH7A./75\0Z;-XZCL+'2-9\4@'0?M76UX^K?LZ&QL_C!K
MO]K?&#7O"VK>#O@Y\6-=^%>N^+="O/@=\7?%DEC->V7Q/\"Z5=_8?$'@CPWK
M"S:GK5O-!#HU[;V4A_M2YL]3`//X?C=XV^!OPG\/,OPU\0:WYG[,'Q._:D?2
M?C!\:?%][\1_#MYX2\2^"?%7C_X,^)=9\0_#+4M5G_X1KP_\6[;2]!U;5)KF
M_N'\)1Z1J]K8[3K#@;>1Z!<_M&_$<?$#Q3\-]/\`@WX?DU;3?C!<?!SPGKVI
M?%B73_"'B?7;CX06/Q_T:;4+JR^'&H:WX:V?"F#Q)+JZ'P_J$-EK;>&-+TRZ
MUZTUG6-7\&`'?OK7BKXV?!75YO!\W_"#>,&\0>(_".L62:_J-K9S:Q\+/B=J
M/@KXF>#](\?:-IL.M:!X?\2S^#?%6@:=X[T[2+37=*L/$%IXCM-(M=8LH]-A
M`/E#Q_X-T67]G[]HOQKX<\=_M7^!_%?P:\'_`!MU-OA]XL_:(\?7&J_#SXB2
M_!GX>^+O#L>H^)O"GQ'UM_&&GV>B:)X:\5:582^-?$^D6LGQ7\2PW4*W4S:;
MX?`/<+GX?1:#\1_"WP+LO'7Q@E^'_P`1/#_Q9^,.N?VC\8/B/J?C:SO/AW+^
MS]X&T3P/X<^*-]XDD\9^'/A_/>^--3\4WEG8:_#?S:O"L"ZE'X?O=2T+5`#G
M_%/@^*YO/C!\%;GXM?$#P+X(^&GP_P#A)\<_#/Q!U7XM?$>VUWP=>>(M=^-=
MAXIT;QM\1(?'VC^)/%_P?-M\+EO;[3M>\4"_@A\4:ZEAK^E1:=X8?P<!^`?"
M_P`*S_M#:%\6/B!XO\4_&#X8^)O'GVSX:W?P]\%?%WXR>%)?@K_PB%Y;#2/$
M^AZ#XE/A^[\,_$#Q3I]IX5\;176H^!_"GG>&_$7AZSN_#CIK'B2_\=`!^SU/
M/\3/'=SXLU;Q=X@3_A2GA_2OAMX/T;PY\1?C)_P@GQC\*ZEH\=SHO[2NI^&?
M'?B)O^$R\/\`B+S/$>C>'=4NX?$]M+>>%_%-ZOC?Q]]ET'5O#`&WE8]`^,FE
MZQH?Q"\`_$_7?%'B"_\`AE8>(/AAX#B^'WAGQ-X[\!ZCHOCOQW\3++PKH_C^
MYO?!WC33-*^*7A^\\0>)/`6D:MX+\9Z5>6=MI6FZCJNEW@G.H>'_`!B`>7_L
MXZSXA?5?V:M8O?%7C#6;OX_?LH>)/C)\3X?$GB_Q-XFTK4?B'IUS^SA=6>L>
M&-"\0ZK>Z;\-M/CE^*_CI3H?@VTT#2'CU2TA>Q:'1M*33@-O(!X[\0_!O6OV
ME_%^C:'XP^*D4?[5_P`'/AN/"&M?%WQ-+<Z'X>^)_@'X"&*W^%^E>.[_`%+P
MYIVH+\2_C1J%U'HC7G@W3);741;S:Q96.@:7:0`''_'7]HCQ5XV^!/QXTWP5
MX+\0:5X@^'/P?^('B'XAZWX5^*NH^#?$7@+Q5X7\8_&;X;:+K'POUC2;;2+G
MQ[X?TSXF_`+QEJNJ/J>I>"+FX\*V]B\6C:UJ&LW7A2``]@TW]ICQMXQUCXM:
M#\,O@9X@\5:AX#_X3RU\&W.NWGB_P)X5\;Z[\*_'<?P]\:>%M0^(>N?#%_"&
MB>(-2UF/5IO"T6@Z]XRAU"VT2]/B:?P;<6\MO"!MY'M_PA\?:K\3_!L'CRZ\
M/:?H'AWQ+J%_JGPWGLO$%SKESXL^%]U(LW@7Q]JUK<^'=)?PGJ'B71'@UE?#
MLGV^XTZUU"SBOKF/43>6.G`'J%`!0`4`%`!0!\__`!BU#Q?8?$#]FFR\-^.O
M$'A/2/%?Q@U?PMXRT;2--\$WMGXKT*Q^$'Q.^)L-CJ-QXH\(ZM?Z;G5_AII]
M@TVBWFE3&PU_5U$@NS87FE`'(:)^U_X`U6QOGO?!OQ0\+:W;ZAXD\.:7X5\1
M^'M%MM5\4^-_"7Q<T/X&Z_X)\,:MIOB:]\.:EJ%M\2_&GPYT@ZVVNP^&FD\?
MV@772WA[Q6GA,#;R/'],_;2\)?"^^^*2?&SQ!XPTZ)?CAX@TGPOHGCO3OAYX
M-\3>`/!&A?"/X&>-/'>F72"Y\/6/CG3_``CXK^)]S::?;^%KCQQXE\3:??6-
MYX97QC8QOJA`/I_1/C='K7Q0OOA0GPP^*&FZWI.H>)$UK6-2L?!L?AG1_#.D
M:?H=YX8\?W>H6GC:XN)O!_C>[UF\TOPTUI9W.HWFH^#/&%K>:=I[>#]:.F@;
M>5CW"@#Y@^-?[5O@+X%^*M/\)>*=.^UZAJ/A^U\1PR?\+5_9L\#;;.[U'5=,
MC3^R?C'\=/!>M7&)](N#]KM=+N+!]WE17DEQ;W4-J`>_^$_$=GXP\*^&O%NG
M)Y6G^*/#^C>([&/^T="U?R[/6].MM3M4_M;PMJ^JZ+JFV"Y0?:](U34K"?'F
MV=Y<V[QS2`'@'Q5^)'P<\9Z%XT^$_C_PM\?]4\/ZI_:'A;Q5:>%O@)^UG;6>
MKV=O>&WU*QL?&OPY^'D/]J>'[[[-)!+-I.K36&J6%S+"9+K3[Z1)P#R]KS]F
M635=>UN\\&?M7ZIJGB7P?X2\#ZM>:W\)/V_=<D?1?`-S;:AX(O;%-8\(W*:-
MXPT#6[=M;TWQ9IZVNOV6LZCJ>M6^IQZMJU_>7@&WD:%KK?[,5E>>%K^V^&/Q
M_BN?"/V=[)C^S7^V6\6NWEEKM]XMTS5_B%;2?#-H?BIX@T[QMJVL^*[#5_&<
M>O7]AXDUS5/$5G<0:WJ=W?W`&WD:'B?QK\`_%WC+3_'^L>&_VKXO%>D^#_$G
M@/3-0T'X-?MX^$K:Q\,^+HROB*UMM&\*>"=.TV'4+R5-/N3JJV8U&.Z\/Z#>
M0W4=UX>TJ;3P#C_"=K^RAX'_`.$:B\-?#K]I^TT_PE_8SZ5H-Y\%_P!O76O"
MMS>>&?LR^%-7\1^$M<\&7FB^,?$'AZ#3?#]OHFKZ_8:G?Z-;>#O"MMI=Q:6_
MA/1(M*`,]M"_9($FO-%\/OVK[.+Q#I_A+2;BQTWX6_\`!0K2]*T?2OA_XRMO
MB!\/M,\&:/IWAF"Q^'VG^%/%=L+O0+?PQ;Z1'HL=U>V>EK:6.H7=M<`;>1ZA
MXP^)'P+\=Z[X"\2>)/"W[3\FK?#+Q!+XI\&R:1\!/VW/"]GI^NSV;Z9-?:CI
M/A?X>:=8>)/,TB?4--:'6K;4(38:WJ]B8_LFLW\-X`>7V.A?LD:7;:';:9\/
MOVK].;POX/T3P'X:O['X6_\`!0JTUKP[X9\-:KXDU3PY:Z'K]OX934M)U#2H
MO&?C#1[+5;6[BU&TT#Q7K'AJ"ZC\/:G=:9.!MY&?IW@_]C_2="\1^&++P%^U
M^OA_Q7\/](^%6N:3<>`_^"CU[9W'PXT"\>]T3P7:QWVBS?V5X?L?M.IVD%K8
M&V2.PU_6]-7&GZ[J5M?`;>1V#7G[,K1Z\#X,_:O%WXCU#PEK.H:TOPD_;]3Q
M-;>(?!7@VV^'>C>*M!\5)X1&L>%?&%QX$M(M`U?7]%OM/U/7].>:UUZ[U*&X
MF64`[#1/B)^S_P"&?%4/C'PY\/\`X_\`A_5[;X?Z!\+;>ST3]F']K_2O"MOX
M$\*:CJ6J>%M"A\"V/PKB\-Q?V/<ZSJZ:?>KI(O+.VU6\L[>XCM+F6!P-O(Y^
MYUO]F*\O/%-_<?#'X_O<^+?M#WC#]FO]LN.+0;R^UVQ\6ZGJ_P`/;:+X9K#\
M*_$&H^-M*T;Q7?ZOX,CT&_O_`!)H>E^(KRXGUO3+2_MP#Y_N_#WPDL_BG\.V
M\/\`P[^/_P#PJ+PSX?\`C+=:EK>I^#O^"BY^,FA?$?XQ^(O`WB76_%/@'7)O
M@U?ZUH7VB?X?S6NI2Z;X_P!"?4X_BKXN>Y@83ZA!XL`V^1[!JEK^RAJMYK5Y
M+\.OVG]-_MSP_P##SPM-I_AOX+_MZ^$="TC0OA+KND^)_AE8^$/#?A;P9I^E
M>!/^$8\0:/;W^ES>&[+2IK2:^U5HI%_MS4Q?@;>1G^,="_9(\=:KK.K>(/A]
M^U>LNOZ?XLTG5=,\/?"W_@H5X,\,W&E>/[FRO_B#ID?@_P`'>&=+T*ST_P`6
M:KI]IJ?B"WMM.ACUS48VU'55N[Z62X<#;RL9_P#PB?[)?]H_VQ_PC7[;_P#:
MW_"0?\)9_:G]C?\`!3S^T?\`A*O^$5_X07_A)?MOV;SO^$@_X0G_`(I[^T=_
MVG^RO^)?YGV3]S0!T%E:_LH:7J/P_P!3T?X=?M/Z%-\,/^$4?P=:Z!\%_P!O
M70='M;SP5X53P'X>U?6O#^C^#+;3/&'B"/P%'%X6N=7\0V>J7^H:%#'HNH7%
MUID:VJ@&?%H7[)$-MX*LU^'W[5[6GPX\'W?@/P/:3_"W_@H5<VWAKPS=:K;Z
M[#:Z;!<>&72/4-.UO3O#NH:5JK*^HZ/=>"?"%QI-U93>#M`?1P#H(KS]F6"Y
M\%7J>#/VK_[2\`>,+OQ_H6K2_"3]OV?6K[QE>Z5;^'IO$/C769_"+WWQ*U!?
M"EM'X;B;Q=<:XL&@-+H$"QZ-/+8R`&A:Z_\`LW6/PX\+?"FR\$?M/V?@_P`#
M?9_^$*:U^!W[=-OXO\'_`&2*^L[3_A%OB1%X$7Q?X?\`)T;5-3T./[!KMOLT
M34;K0UQH]Q)8N`&CZ_\`LW>'_%7@[QGH_@C]I^P\0>`_#_B'PUX>FB^!W[=)
MTXZ=XOU&76_&-SXAT"7P(VE>,O$'B+Q!)%K.L:[XALM4U75M5L-/U34+VYU#
M3;.YM@-O*P>.]?\`V;OB1>>+;[Q;X(_:?N9_'GP_T_X6^,$TCX'?MT^%+/Q!
MX$TO7=2\1V6A:CIWA/P)IMI)LU#6]>B:]$*WDEAXBU?2Y;A],U6]L[D#;R.?
MFM?V4+K4=2U:^^'7[3^I:AK7]BIK\^K?!?\`;UU7_A)+/1O"N@>"IM(\3Q:C
MX,GC\2>']?\`#/A/PE9^*-(U-+NP\8?\(GH<WBJWUFXT>REM@#L/B-XU^`?Q
M5N?"MYXP\-_M7K=^"-0U+5O"]UX2^#7[>/PXN=*U75M*GT*]U-9_AUX)T-[K
M4#HE[J6GQ7%TTTEO:ZSJEO;M%#JMZER`<?K5K^RAXA\*S>#]9^'7[3]YI][_
M`&^FLZP?@O\`MZP>._$]GXJT[3=&\3:1XR^)EMX,C\7^-/#^J:-H?AK3KO2-
M=US4;"XL_!_AJTDMVM_#>DQZ<`&G0?LN:79^([2U\(_M?R3>*/$&D>+-2US4
M?AU_P42U?Q?:^*M$T)_"EGXE\.>-M6\.W/B#P?X@D\'R-X<O-1T'4]-N=0T0
M+HU_)<Z8BVB@'8:GXQ_9VU7X=Q_"RZ\!_M'Q>#8=0TG65@TS]G?]M31?$)\0
MZ+XMLO'UGXJD\<:-\.+7Q+-XPD\<6$'B"[U^35VU._U-[B^OKNYN;RXDG`,^
MYU_]FZ\^''BGX4WG@C]I^Z\'^./M'_":M<_`[]NF?Q?XP^UQ6-G=_P#"4_$B
M7P(WB_Q!YVC:7IFAR?;]=GWZ)IUKH;9T>".Q0`Z#7_B1\"_$WA71/!^M>%OV
MG[G3_#?]FOH&L0_`3]MS3O'>C7FEZ=-HT.KZ;\3--^'EOXOL_$%QHUWJ6G7N
MKQZXM_J-GK6JVFH7%S;ZK>QW0!Q^IWG[,NK>#8_`E]X,_:O?1%\8:3X_N[Z#
MX2?M^V7C+6_&7A^2RD\/^(?%'Q&LO",7BSQ9J&E-I6@"P;6M:OULE\*^'EM5
MB7P[I0T\`/%UY^S+XYU7XB:QXF\&?M7WEW\5?!^E^`/'D-I\)/V_=%TK6_!N
MC7/VK3_#T6A:'X1L]-T73UEEU19%TJTLFGC\3^)(9VEA\3ZRFI@;>1T$7C7X
M!P^,O!7C_P#X1O\`:OG\5_#WP?=^`_#&H7WP:_;QU"VC\,ZC';KJEKKFC7_@
MF;3?%VH:A+8Z5<WNJZ_9ZGJ-[=:#H]Y=74UUHUA-9@&A_P`+(^!9\=_\+'N?
M"W[3^I>)HOGTZ/6?@)^VYK7A7P_>'1_^$>?5_"?@#5_AY<^%O!_B"70I+[3Y
M-7T31M/OY;;6]9ADN&36]1%Z`9_@KQC^SM\/-5N-8\*>`_VC[.[;3Y=&TN'4
MOV=_VU/$>E>#_#UQ<VEU<>%?ASH7B7X<7^F_##P?++INBK)H'A*TT73'C\.:
M'"UH8="TU+(`X_6(/V7==_X3'^T?"/[7[?\`">_$#P]\4O%'V/X=?\%$M+^V
M>._"?E?\(SKMC_9?AVW_`+!_LS['HOV6RTK[%9P_\(GX8V6X_P"$6T7^RP#/
MUG0OV2-<MO%5G>_#[]J^VM/'&H>+[_QE::'\+?\`@H5X9MO%$?CO5=5UWQ-H
M>NP>'/#-BFI^#Y];\1>*=0M_#,ZOHUA=>,_$UQI]A:S>)=6?4`#0N;7]E"]T
M+Q3X:N_AU^T_<:1XR\/W'A;7HIO@O^WJ]Y)H6JWECJ?BVQTO5F\&?;_#O_"9
M:OIMGJ7C&;2+FQF\:7Z/?>+)-9NYI9I`-O*QZAX-^+7P4^']MK]GX5\)?M'V
M-IXE\8>*/'FJ6EY^S=^V1KELOB;QIJLVN^)KK28-?^%]ZGA[3[[6[J]U!M*T
ME;+3DNM1O;B&UCFO)WF`V\K'U?0`4`%`!0`4`>7^/?AA'X\\3?"SQ,_C3QAX
M8D^$_C"Z\:Z7I/AN/P:VE>(M5O/#VK>$;BW\3GQ+X/UB^;3V\*>)/%>EA-(O
M=(D$?B>[G$HOK73;K3`#Q"']CGPUY7AX7_Q9^,&KWOACQ!\3O%.F:I?-\)X+
MS^W?BC\1_!/QJO;ZXATGX3V5G+_8GQM^'_ASQSI<(M%A^WPS:9JD>I^&9VT&
M@#0TK]D_3].\3>(/&=W\;/CAJWBOQ3J%U-K_`(@DO_A?X=U6[T76_#W@/PMX
MR\+V=WX&^%>@OX=T_P`1Z)\*OA9#<ZKHATW7].D\`V%UX=UG1+K4-8GUH`[_
M`$3X(QZ'\4+[XKI\3OBAJ&MZMJ'B1]:T;4K[P:_AG5_#.KZ?H=GX8\`7>G6G
M@FWN(?!_@B[T:\U3PTMI=VVHV>H^,_&%U>:CJ#>,-:&I`;>5CW"@`H`*`"@`
MH`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`_/#QC^U-??\)#<^,]%A^.&G
M?">Y_90^,'Q;MM.TCPK\(UN=<\,^&O$WP=?PC\?_`(5:QXM,MG/J`\&^/_%V
MI7'A'Q;K<6HVUKH&D-JO@>TO-3L(?$@&Q[A8_M.P:E9V]M8_!?XP3^/9_B!X
MI\`/\(EG^#:?$?3O^$,T*UU_Q#XUUNS?XP+HOA_X?PP:IX;AAUC4];M/MK^.
M?!\]E#<6'C+0+S6`#C_!W[9/PTO=#T::*V^*'B3P[H'PO\)^.?B;\3;_`$;P
M1<O\-]/UWX)7OQQTR_\`B]X9\&:Q!K&E:AJW@33!<C5/#'@V[\+W.LZM'H6E
MWQU&*?3K``[#7?VH]'\(:=J%SXR^%/Q@\,ZOH7B#X6Z9XC\(_P!F>!/%OBK0
M_#GQD\5:GX%\`^/O[/\`AU\0?$4/B3P_?^-M%U?1/['\-76M^*EN;+S!X=:T
MN;:YN0-O*Q]'Z3>7.HZ5IFH7FDZAH%W?Z?97EUH6K2:5-JNBW-U;1SSZ3J<V
MA:GJ.FRZA9RNUO,^GZA?VK20N;>YGA*2N`:%`!0`4`%`!0`4`%`!0`4`%`!0
M`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%
M`!0`4`%`!0`4`%`!0`4`?&&O_L6Z'K>E0^&H_CA\<-$\&Z;\+_&7P1\.^#])
M7X)/I7AGX/>.K;PO8:Y\/M,U+6?@IJ&NWFG_`-E>"O"EE#JVKZOJ>NQQZ*DA
MU9[FZNY[L`]OT[X-:/I>N^(_&-IXA\0)X]\3?#_2/`]YXZ_L_P`"+KMKJ.GV
M;V.I_$?3[.+P4FBP_$#Q!!9>"DUJ9])ETK4(?A5X&LY-)6P\,VEJH!XAX:_8
M=^&FF:?HF@^,_&OQ0^+OA;PKX/USP-X-\-?$;4/!"VW@OP]XD^%]C\&-;L/"
MNO>`O`7ACQ'HVGWOPTLCI=SI<.M_V9=75W+KUU8S>)([?6+8#;Y'8:[^S%!X
MDT[4%UKXT?&"\\6ZIX@^%NLW_P`1?(^#=MXJGT[X+^*M3\??#3PG_9EI\'XO
M"D7A_1OB!K.I>(O.C\-)JMY<W/V34-3NM(CCTU`-O(^GZ`"@`H`*`"@`H`*`
M"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
9@`H`*`"@`H`*`"@`H`*`"@`H`*`"@#__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>a-31.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a-31.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`%`!:`,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/U=_:5^*GBKX42_"&YTGXA_!_X8^&/&WQ`U;P+XM\6_&+PW
MJ.L:%H6?AQXW\=Z#JD.H6WQ6\$6FG>9J'@.31&MKRZE^U3>*[*2&:%[`VVJ@
M%_PI^T)HJ?#OPEXF\=KJ$VM^)=0\;V&B6GPT\">/O']SX[\/>"/%NH^&(/B[
MX0\%>!M(\3Z[;?"_Q+I47ACQ+9ZD7U;3+&U^(GANS;7M1;5-/O=7`V\K'8:Y
M\>OA/X?O/!ME<^*_[2_X3S_A"W\.:AX3T+Q+XWT)K/XDZ[:>&/AUJ^N>)/!F
MCZII7A'P_P"*O$%XMAHFKZ]>:98:M-:WRV%Q<?V=>&V`#X(_%_3OC7X0U7Q=
MIFA>(/#L&E_$#XD>!6L/$>@>*O#UY-_P@?C;6_"UMJB6OBWPUHEV?[0T_3;.
M\N+9+23^RK^YO]"NYCJ>AW\<(!\P?";]HOXA>)_&USX>\1?%KX`>)]0\%^(/
MV@4^*'PH^'?PH^)@^+&C>!/@EXO\4_#N#Q7I5OHOQ7\<2)X@UGQ./AUJ%IX4
MU#P]#>:CIOBK45T:;4;C20UT`>_Z/^U!\%=:_P"$.DM?$7B"QT_QW\/_`!#\
M5?#>O>(?AM\3O"GA63X<>%?-;Q!XTUCQ;XG\':?HOA;P_9P"QN&NM;O].1K;
MQ%X>N8]]OXDT>74@`U']J/X$Z-9^'+C6_'/]@ZAXL\0:OX3\/^$==\,^,=#^
M(]_XJT70D\2W7AH_"[5/#UOXOM/$%QHUWH<UAIUSHD-SJC^,O"<&FQW=QXOT
M&+5P`L/VB/"&M?%/X:_#7P]8>(-7@^)/P_\`B-XVM?$\7A?QM;:=H5Y\//$7
MACPY?^%/$)N/"2VGA_Q!#J&J>)++6+'6M0TF_P##FJ^'M/T76+&#4_%&EV\P
M!H?&_P"*NJ_#32M#B\)^'=0\9^,M8U"XU:+PEHFD7/B+7+GP#X$MAXN^*6IV
M&@Z;J-K?3:A)X4L)/#&@W`#V3>-_B#X!TO46AMM=,J@'8:_\4?`GAOPKHGC.
MYUW^UO#_`(G_`+-_X1&;P9IFL>/]1\:?VOITVM:?_P`(1X?\":?J^J^-/-\/
MVM]K)_L2RO\`9I6F7^J2;-/L+FY@`//[']ISX1:GH5OX@TR[^(&H077B#Q3X
M9M-%L?@G\;+OQM<ZCX'O+72O&MS;_#RW^'K^*9O#_A_7;VST75-=31SI6GZO
M=PZ/=WL.IRI:,`9_A+]KG]G3QM<K9^'/B9I\MVG@^V^(6H6FJ:+XH\-W/A[P
M#>:5KVNV_CCQ=!XDT.P?P9X/?1-`;4/[9UU=.LEM?$GA*X:<0^-_#3ZZ`=A_
MPO?X9_\`"*_\);_:GB#[-_PD'_")_P#"-?\`"`?$+_A9G_"5?V=_;O\`PC7_
M``J#_A%O^$Y_X2#_`(1;_BI?[._X1W[3_P`(]_Q4/E_V)_I]`'/V/[4'P5O]
M"M_$B^(O$%AI$_B#Q3X=>37OAM\3O#5YILO@2\M=,\?^(-=TGQ#X.LK_`,.?
M#_PGJ][;:;XA\:ZI;6?AO0;^46.KZK9W8,(`,_2_VF_!$^M?&'2-9TSQAHC?
M"GXH:9\+[..+P#\2]9UKQ]JNH^`=!\;NW@KPSIW@8ZEXJU"WBN_$\TNG>'(-
M?DCT#PS%XNEDB\/:S9WA`#]H#XC^/M!^#VC>//V?]7^%^L:WXB\8?"'1/#%[
MXUM-:\3>`?$NE?%WQSX8\`:+?6^K^"O$NGSV6G_:_&NC:PFL6G]M1R66GSQ1
M6,S7T5S:`'F'Q8_:<\5-X0_9RU?X)6GA_3=0^/G_``KGQBMY\4_#NHZU9^'O
MA9XY\;?!OX;W,IT3PEXVTJ2Z^(%GXF_:$^&UW'IXU==.EL-)\2JVH)<16`O0
M#Z/U;XT?"_0/$VI^$]=\7Z?HNI:+I][?ZQ?ZM!J&G>$M)DT[P])XRU#0]3\>
M7EG'X9L/&%KX'AF\5S>&9]6368O#L3^('L%T93?``\0T[]K3PAK_`(V\(:AX
M;U?P_JGP%\3?!_QUXVL_'UK8>-IO$NO^-O#GB_X'^'],\*>%O#LGANV_MOS?
M^%P:?HL=CHO_``D&KZAXLGNO"@L=,UWPU=Z?JH&WD>O_`/"]_AG_`&C_`&/_
M`&IX@_M;_A'_`.W_`.RO^$`^(7]H^?\`\(K_`,)U_P`(1]A_X1;SO^%P?\(3
M_P`5#_PK/9_PF7]E?\3#^POLG[Z@`^%7Q(O/C7\#O!?Q0\,6?_"&:M\0_A_8
M>(])LO%.B:[J=GX9UW5])$D:7VF7B^%K_P`5^'[+5W)BN[271X=<L(8KW3;R
M.TU&VNZ`/$/@M\7?C1X_\0_`ZTUW5OA?+:>(_@?XD^(?QNT#P[\//%=AXA^'
M?CZQ\3:;X9TGX>WE_>?%C4D\$:A_;>I^+=#FM->TFZO9]3^`'CN"**":2YM?
M!P!V'Q'_`&B].@^!WQM^)'P6N/#_`(O\3?"KX?ZWXXLM.\70^*O#.A:IH]EI
M.JZOIGC/3'DT..[\:_#_`%33]#UZXT+7M`+Z%XHFT&[L=.\0VZ1W>HZ6`=_-
M\=_AG;?VE]HU3Q!;_P!C?&#1?@1J_G>`/B%%_97Q,\2_V!_PCFEZEO\`"P^P
M^']5_P"$K\+?8O%4VSP]=?\`"2Z5Y&JR?VA;^<`=!H'Q1\">)O%6M^"]#UW[
M7X@T'^TOM$+:9K%EIVI_V%J,.B^*?^$4U^^T^'2O&W_"-^(+JTT;Q!_PCU[J
MG_"/ZK>6VEZU]@U"XBMI`#T"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`^4/C]XL\`Z/\0_@=+XG_:+^!_P>N_AKXPN?BA>>$OB9=Z+%XA\
M9:5JWA+QG\,%71I=0^)WAI_#VGMHGBSQW''J+Z9KD;:G;:?+Y9ATF\L=5`./
M^(7QN^`6N>*O"7Q`^'_[8?[,'A+QMX2\/^,_!T,WC'QCX+\>^%;SPKX^U'P/
MK6OQ2Z!HGQ;\'W\7B!-7^''A1K/4%UQK:&V;5H9M/NI;VVN=+`/'[=_V6-'\
M5?!Z[\-?MI_L_P"A>$OA#\/_`(1_#ZQ:T\=_#K3?C)JVC_"+4=5U&UT6_P#C
M-X6^(VB?VG\/_%?G>'[;Q-X(U_PQX@T*[CT26ZTNTT?5[R/4[``[#P/XN_9<
M\.ZA>WGB7]MKX7Z[:6'Q0^(7Q$\#:!X3_:"TSX6^'M!C^(/Q0\3?%?4+#QCI
M?A'XL*GQ7U`ZWXGDT^>3Q*UQHTFF:)IUO9^']/FN]>N?$H!S_P`-?'WPT\$Z
MAIIUC]NS]C#5--M/&'Q)\676H^&M'\$>'?B']F^*WQ0N_B_XU\':)XS\3_M#
M>+;'0?!^K^*Y-/LKZV7P[<W4VD:5;1PWEKK-K9:[IX!T$6L_L3?V5^T-H-S^
MU'\#XM*_:!T_Q'X;OVTGXR_#ZSU7PIX-\76WBW6-?T33+S5/%FIVVH:A)\4O
MBI\:/&<.IW-@&AD^(R:1Y$FD^'M,MX`-CC_#NK?L[>$I?A+)X7_:Z_8@\'VW
M@+XP:S\7/$_AWP)H/PN\#^$-?O-5^'&I_",Z/X1T3PW\9[:;PGGP3K^OW%QJ
MGB&_\=7\^MW=G<I-;Z)IEOX<``>`O$?P?\)^)?`_B34_V^OV8+FY\,>(/V@=
M1UL>%KSX?^'9=?T+X_\`Q8\$?&W7/#EC)XD^-7BJ'0?L_C;PC>Z;+?O;:E-/
MX;\0RV-HNF:W:0>)0`=AXD\6?LB?$/XN:WXV^+G[1?[&'Q4^'K>#]#\-^!_A
MIXVN_ACXCN?`.JZ9?7VH:OXGTCQ)XF^)VJZ;'J'B*75KJWU<6'A;2I+VU\.>
M#8);@GPTTFJ@'S_\2/B?\+_!/P7^'/@\_MD_LX:[8^%/CAKWB2_\3_#T:@M]
M\-OA?K_A3XGG0/#'@?P)\*?V@Y?B5::?H?B_Q/X<\'Z8?ASXJT2XTWPC=VVE
M7]O-X6T_Q$NK@'F'B+]I+X0ZCH7PJDB_:(^#_@/P%X1_X7%H"?$;PCIOQLB\
M;>.-1\2WGPC\4:5K>I?#7X:?'G1?V@/`G]N>(4^+L6NWGB[Q;K&E>)=7\`6G
MBO7TN[_Q/X/N+``]_P#`'Q"^`7Q`T+XB7GC[]I[]F#P1X"^,'P`T_P#9WA^&
M_@K6/!?P[UWPWX$\&7GQ)T3P;XTT-M?^*6JQ^"?[?\,_$3Q%KD7@;5O"BWGA
MB'6O#WA_4)9;_P`*ZI-X@`./^)WCK]GGX>?"CP7HG@[]I/\`90T"W3XX2>.?
MB%JGP1T+0/#>E>#]%NOA5XP\&V=_\/OAE\`?BOIWQ4BU"\U]/`VG:CJGAWQW
M?Z^\?B37?[0OAX#-_P"'K(`H7GB?]G']HKX'+X)U']I?]F#PCI^B?\+(\&^'
M-5\<P6LFA>--.^(.DZ)J&K_'6+X*?%3XR6OCCP#\?]%\:7'BK3-,\:>+_$VM
MZK=32^,?$DD5];_$:WEL0#O_`!?;?L[>.]6\0:WXP_;5_9`\4?VE\0/#?Q:L
M?`_B:R^%WB/X3W7Q'M/@=X8^!/B74_'/@_6_C#<ZKXK\/CP_H%[JGAK2=.\3
M>''T/4M<>XU:\\4_8+$6H'X'L'Q!^)?[.VN_"?P+\+_`'[8W[,'A#_A!?$'P
M?U>UUGQ'X@^%WB&SN[/X,^)?#?C'P_IR>$_`?Q$\`:5H?VSQ!X.\.BX728K*
MPAL!?V6GZ=9?:+6?2P#R_6Q^S;&OC2X\"?MO_LX:!JOB[XH?#WQ\MQXM\4^`
M_&.GZ;I7P^^//CK]J"S\/-I^C?%SPO->ZA=_&CXD>*!+JPO;>-/"\>EZ,NG?
MVM:7'B740-C0^(6M?`+7_C5H/QM\%?MH_L@:%XF\/>(!XDTR^^(4G@OXD>)=
M+\WX8Z[\*[WP)H/BW2?CQX0N]$^#\VGZ[=^)_P#A$XH7QXLOM4UM[^1-2:PA
M`./AM?@O%I7P(L!^WQ^RA;ZE^SY\#_%'PH\">*=.?PI9^)M)\3:E;>&;3PO\
M3=(O9?VB+BWT[4-+M/A]X#L]1T2>UO\`3O$.G7'CC1]27^QO&IT_1`/P/4/#
MFO\`[)FD_&I_C?JW[4/[(&J>+=4_L[7_`!)K5K/\';;QM<>-K?X8Z1\)KZT\
M+>/]<\=ZWJO@KX/S^'](CU./PC9&;5X]7N;J2;Q==:1?7NBWP!Z!\!_C-^SM
M\'_A9X/^&^O_`+9OP`\=S>#?#_A_PMINJP^/_A=X2TZTT+PKX=T?PKHMCINB
MP^,M2NXM^GZ)#J%[-J6LZM-/JNK:K-;266F2:?H^C@?@'PX^)W['?PU\5?$[
MQ1I?[3GP`FF^(7B!=1M;?_A<'@:+_A'="DU'Q!XUO_#GFW'C>Z75OM'Q=^(O
MQC\8?;WBMIH_^%D?V.B_V9X?TN*V`V/E^R\/_`+1M"^/GAG0/VY?V0-.T_XZ
M?!_3?A#JVLRVW@N7QM?_`-F7GC*VD^*'Q)\2V7[0EE'\3_C!K7AGXB>+8==\
M1S:=H_\`:FKC1=6-M;V^G7.DZN`>@>,M;^"?B[^VX(/^"@GP`\'6WC+X@?![
MXQ>-Y_">M_")]8OOBG\*_P#A4]@UUX:N_&7Q!\0V'AWX?W>D_"30+RR\/WFE
M:WJ-CKL<-[>^(=9T1;OPSJ@!Z!\%[W]DSP7\7_$_B3P9^T%^S!K?B#XC^(/%
MJ:%9>&KWX.P_%CQ'KOQ>^($?CC6](\7?$*Q\07FO?$3R?%LT.F^%](TJV\/P
MVFFRP6.J6_B34+/3=3TX#\#[_H`\?\4_'#P7X/UV^\.:MHOQ@N]0T[[+]HN/
M"W[/7Q]\<:$_VNSM[Z+[#XI\%?#35=%U3;!=1K+]BOY_(F66WF\NX@EBC`/8
M*`"@#Y@_:5^*GBKX42_"&YTGXA_!_P"&/ACQM\0-6\"^+?%OQB\-ZCK&A:%G
MX<>-_'>@ZI#J%M\5O!%IIWF:AX#DT1K:\NI?M4WBNRDAFA>P-MJH`?#[]IWP
M)JL7@#PKXU\3^'[/XI^/?^$JD\)^&_#=GK%]+\1/"OAGXCWOP\T;XL^$-!LA
MJUW8_#_QAI]O:>-M+DEOM3MH/#=QJNIIJ^J:+X4UC7K<#;RL>O\`@7XI>!/B
M1_:G_"%Z[_:W]D?89YO-TS6-(^W:/J_VS^P/%WA[^VM/L_\`A*?A_KG]G:I_
M8WB[1OM^A:S_`&3J']EZC=_8+GR0#Y0^,GQY^)?@SXT>*/A=HOQ>_9P\"W=Y
MX/\`A%JOP>\+_%#X?>-]7\3?$#QE\5_%?CCX=6/A!;WPO\9-/O+C3[;QEX0T
MB:]US2?"5^NE:=XUBEOK+R=%EO=3`/;]8_:=^$6@_P#"8_VC=_$!/^$!^('A
M[X6^*/L?P3^-FI_8_'?BSRO^$9T*Q_LOX>W']N_VI]LT7[+>Z5]MLYO^$L\,
M;+@_\)3HO]J`&AX@_:0^"7A2V\>7OB7Q]I^@:;\-]/U74_$NK:KI^N6.BSVV
M@:K:^'O$<?A#69]+6Q^(NH:+XKO],\-ZK8>$[C6[K2]?U?3M`OX;?6=0M;&<
M`Y#QI^UC\,_#?A`>+O#P\0>-X$^('PJ\&26&@^#?B%<WEQH_Q3\;6'A;2?B'
MH5KIG@J_N_%'P_O-//B"\\/>)=)M+O0O%U_X?.A:!J]UJ=]#'0!U_P`5O%GC
M[PUXW^`&B^$-1\'V6B?$7XH:GX*\9P^)/"FM:_JK:58?#3QW\3A<>&-1TSQO
MHEOHFH/:?#?5=)+WUAK,8D\26E]Y172)++6``\!_M(?!+XG:K:Z3\/\`Q]I_
MBIK[4/$&C:=J^DZ?KDOA+4O$/ABYU6/6?"NF>-VTM?#VH^,$TW1=1UZ'0+;4
MY=3O/#L*>)K.TG\/3PZG*`<!IO[4/AG7/C1:>$-(UOP?#\+;7X'_`!*^*^O^
M,];G\0^'=5CC\%>*_AMIEAXML1XFTC2=(N/@??>'?%NM7VF_$#3+[7=&\12:
M5J?]G7MK!X8NI-7`/3T^._PS;0M(\1-JGB"TT_5_B!X<^%IM]0\`?$+3-=\/
M^._%]YIUCX8T+QUX6U#PM#K7PX_M.?6_#S6U[XJL-&LY8?%.@W*W!M]>TV6]
M`.?\6?%;6/%'[./B7XS?L]1_\))JTGP_UGQU\,[/Q+\._'<__":?V/:W.J6&
MEVW@6>X\+^)+K_A);:PDM-)N86B\[^V=.U.UAU*T>*#4`#/^%GC[Q]XO^*'B
MS29?&'PO\<?"WP]\+_A+K>G>*OA]X.UJQCUCQ]X]T_5-2UBQA\5M\4?$>D?V
M?;^'='T+Q9;Z/%:2WJ:-\9/",DM]+!!#J/B@`H?$?]HO3H/@=\;?B1\%KCP_
MXO\`$WPJ^'^M^.++3O%T/BKPSH6J:/9:3JNKZ9XSTQY-#CN_&OP_U33]#UZX
MT+7M`+Z%XHFT&[L=.\0VZ1W>HZ6`=_-\=_AG;?VE]HU3Q!;_`-C?&#1?@1J_
MG>`/B%%_97Q,\2_V!_PCFEZEO\+#[#X?U7_A*_"WV+Q5-L\/77_"2Z5Y&JR?
MVA;^<`=!H'Q1\">)O%6M^"]#UW[7X@T'^TOM$+:9K%EIVI_V%J,.B^*?^$4U
M^^T^'2O&W_"-^(+JTT;Q!_PCU[JG_"/ZK>6VEZU]@U"XBMI`#T"@`H`*`"@`
MH`^$/'G[2_C[P7H?[6VG7#>#[#QE\&M0\6ZE\'_$&K>"M:_X0'QWI7A?X)>"
MOCUJ'PYU.WM?B8+ZY^*%AX4U_4XII1?:#'?V4;^(=&TJ_MO#7B;3=%`V\CZ?
MN?B;X9\(:KX2\"^./%.GR>.]8T_08]0NM&\,^(;#PS%JNM7+:%HUYK$R3:W8
M_#+3_%?BNUU'2O#-EXH\0+)K.HVTVC:1=ZOJ5I,A`//S^UG\#8K:"\FU[QA:
M6DW@_P"*'CR2ZOOA!\8["VTWPS\%M5UK0OBI=:Y/>>`8D\/:AX:UO0KK3[W2
MM3:TU%;J_P!'MTM7F\0:2FH@'0?%7X@>+=&\`^'?%/P\TC4/*\0:AI#:IKFK
M?"[XA^-]5\!>&=3T74=5@U[4_@5X:?1?'?BO4)]9@T#PW-H-DVF:CH\GBQ]9
MU.);'PWJ5M(`>(7G[2_BKPM\&O$?Q$\3:M\']>_MGXP>"OA1\#O%OPMO]1\?
M>%?B9IWBR?P#X0NO'.A>$/#6O:EKWB_Q!I?BV^^*&L77PVT.\.J_9O`-WH%I
MJM[]F'BS4@#T_P"&7Q2\6^)K;6?A7XPN-/T+]H_0O!]SXLUN"#X4?$.W^'?A
MS2O%.JZQ#\,=1U*ZEUZ[\/:UJ#:;%9PZKH?AWXFZQ'-J_AKQ?8:3K=Q;Z'<W
MUJ`>8?LK?M'>*OC/_P`(5_:_B_X/_$7_`(2_X/V_Q'\4_P#"G=(U'2?^%%>*
MC_P@WV?X8_$C[3\2O&GVKQ!KG_"7^(_[.-W_`,(I<I_PJCQ#MT^^\R?^P0#U
M_P"(_CGXC^'OBG\,=`TF+P_X3^%>L;H/&/Q&\7>&9?$^G:GXOU7Q%X?TWP7\
M*_#L^A_$K1;OP+X@US3T\5QIXE\2:)?:(=5O_".C6)U'6M=BTJ8`\0TW]J#Q
M]HG@&T^*/B[2/!_B'1/''[*'Q*_:R\&>%/#>GZUX1U7PAI7P[T7X;>(C\-O$
M_BK4_$'B.W\<ZAJ-I\5=*LQXHL="\*QVTGA>[N?[#G768[;1@-O(]_\`AQXL
M\??\)]XZ^%WQ&U'P?XCUOPIX/^'/CZU\5^"O"FM>!-*N=*^(NM?$[P[!X>N/
M"NN^-_%\ZZAIEW\++Z\?5DUT1W<?B6"V&G6K:4]SJ@!P&A^)/VDO$WC?XUV.
MA>*O@?\`V)\*?BA%X2T;PSJWPO\`'FGZKXKTJ]^&GPX^*>GZ=J?Q"L_C'?6_
MA;4'M/B'#H$VN0>"=<CBDTM]831)UG&C1`&A+^U7\)[70O!_CG4O&']A>']>
M^`#_`+0VH^"7\%>)?%?Q'TGX<:G>>`HM,\<ZO:>`;C6?^$>\/Z3_`,)->VNH
MPOINHI=.UW?VFHP:?X/UJ28`OZ]^TW\*K#Q#I?@<^+]0\&>,M3U#X.FRL_'O
MPC^*^DVVIVWQ:\3:7I_A?PWIS:SHF@6\GC#Q#:#Q%I]K:)?S76BW7A[Q%?ZM
MI<MMX%\16=F`=A%\>OA._BKQ#X/?Q7]AU#PMX?\`&/BG6M8U30O$NC^!(-"^
M'6HZ/HWQ#OK/XF:IH]OX0U;_`(136==T[3M=AL-<NIM'O#<VFHQVUQ8W<=L`
M<_??M1_`G0]"N/$7BWQS_P`*[T^T\0>%O#5Q;_%/PSXQ^%&NQ:CXUO+JQ\+W
M)\+?$CP]HFM?\(_J$^FZ\R:Z+`Z4L/A+Q+<RWJ6_AG6)=-`/<-)U.VUK2M,U
MBSCU"&TU;3[+4[6'5M)U70-5BMK^VCNH(]3T+7;*SU+1=06*55FL-0M+6ZMI
M`\-Q#%-&Z*`:%`!0`4`%`!0!X_XI_9Z^`7CC7;[Q3XU^!_P?\7^)M4^R_P!I
M>(_%/PT\%^(-=U'[%9V^G6?V[5]6T6>[N_(T^TM+6+S97\N&VBB3"1JH`/8*
M`"@#Q_XD_#SQ5XS\7_!;Q%H'BWP_X<T_X5?$"^\=:MI6K^#-1\2WGBG[?X)\
M4?#R32].U:R\<:''X8V^&?'7BUEN9K#6O]/?2+DPFWT^YLM7`#6OAYXJU'XX
M^`_BI:>+?#]EX8\'?#_Q[X%O/!MQX,U&]UW5_P#A8&K>#]<U/5+7QI%XXM;3
M2?L^H?#KP4(+9_#5_P#N8];CDF=]4M)=$`_`\@^%?['7@3X:^%;[P='>?V?I
M`_X1+3],N_A#;ZQ^SUXJU+1_`FG:[I?A[4_B?XZ^$OB?3/$GQ2^(%Y;>(]1?
M6]3O]6L]"O;FWL[S3O"VBW8O)]3`V.@\7?!GXIZM\4_%_P`0?#GQ`^#]MI'B
M?P_\)]`M_"?Q`^`_B+X@?V1_PI_Q%XN\;^%M;35;'X[>&X;GQ!#XV\;ZOJD-
MXNEVWV3^S-"^SHEWILM]?@'7O\$-*G^*'@#XHZGKFH:WK?@KP?'H6H76K6]M
M%JOBSQ-HFG^(="\$^.=3G\/G2M(TW4-'\._$[X[V<VFZ;H5KIVH2?%M[F6WA
M;PSHB6('X'B&M?L:6;Z=^T!9>$=?^'_A74/C?X?^*OAQO%C_``4T+4O'<%G\
M=/%4OBOXD/X\\;V?B/2]:^('V">\U"P\)6EG>>%K#1[.2S77;/Q;<:58W-L!
M^!T'C']GKXI^,/$OBKQ3=?%OX?V>H:_X?_9JMK*&W^#/B)K/3?%7[-_Q87XQ
MZ9K-S')\;S)J7A_6_$^L>-;6?1HY;*YMK#5-$BCU:6XT2[NO$(!Z?XS^&'C+
MQ%K7P#U+3/B'I\<7P;\8-XM\07'BWP1'K_B'XAW,O@'Q)\-;MFU#PKXE\):1
MX3U"Z\.^-_&%U+-:^'[RU74[K2YX+""QTZ?3=4`/,/#7[/7Q3T7_`(57]N^+
M?P_U#_A7?[0'Q6^.FH_8_@SXBTO_`(2'_A;?_"P_[;\+6/G?&^^_L#['_P`+
MA^)?V74I?[5QYWACSK.7^Q-0_P"$F`.?A_8XU&]L_#WA;Q)\:?$$_P`.?"/P
M`^)W[,>@^$/"_@WPKX?O+CX6>/M"\$^&["[\2>)];3Q#=ZE\0+/3_!UC=:AJ
M^FQ:+IVH7^CZ!+8Z)HEE:ZYI_C`#;Y'867[--SI_PCU;X2:7K'PO\)Z)X]\8
M1W_Q8TOX=?`_2OA]X-\0_#S4;'3-`\;_``^\&>&/#WBZ.^\':AXI\*:/;Z;>
M>+M7U[Q?J]JVL:O-ICV:KH4'A8#\#W_P!I7C+0?!OA[1OB#XOT_Q]XRTS3TL
MM=\::9X5C\$6WB6Y@DD2'5I/"T&LZI;Z3J$]H+=KM+2[6UDNOM$UI;6-M-%8
MV@&WE8X_X*?!S0?@CX5U#PMH,WVF"]\076HK/Y=Y!Y&A:7IVE>"OAOX<\J\U
M2^:3_A%?A%X1^'O@_P"WF59M5_X0_P#MB_5M3U6^EF`/F"R_8N\5:-H7Q\\,
MZ!\4/A_ING_'3X/Z;\(=6UF7X):C+XVO_P"S+SQE;2?%#XD^);+XP64?Q/\`
MC!K7AGXB>+8==\1S:=H_]J:NNBZL;:WM].N=)U<`]`\9?LT^._%W]MPP?&[_
M`(0ZV\9?$#X/?&+QO/X3^&VCOK%]\4_A7_PJ>P:Y\-7?C+7O$-AX=^']WI/P
MDT"\LO#]YI6MZC8Z['#>WOB'6=$6[\,ZH`=?\+OV<O#WPL^)?CGX@Z2/!_F>
M+-0\=:G'=V'PU\,Z1\0[VY^)OC?_`(6)XKC^(/Q35KC5O&NGZ?XB_P!$\.V%
MC%X;M=/TCR[35X?$5]8Z=JFF@?@?2%`!0`4`%`!0!\@>+OV6KSXA>&OVFO#'
MCCQGX?OK;XZ^(-2\4^"M2T'P1KOAO7?A)KMU\)].^#%I?#5HOB7<S>*\>"=`
MT2TOX;4^&H=6AU'Q9IM_')HGBF32K`#;R.O\=?LY>'O&OQH\+_&2X'@^35-%
MT_P3IEZ_B;X:^&?&WB;3+;X;^*_$?C;PM)\+?%7B!I$^&6H7^M^*M3MO$-^-
M*UNZOM.MM,71IO#FK:;#K-`&!)^RAX9F\?67C.77M0EL=-^*&I^.-.\+R2^(
M7TJP\,ZUK6D_%_6/!ME"WBPVEKJ%_P#M7:!H7Q9N?$\5@NHSQZ+8>#)0_A:S
MALXP#U_XG>"O&7C"/P7/X'^)6H?#35/!_C"3Q9//;:/'K^E>+;:/P;XP\/6O
M@[Q;HDVIV*:GX/GUOQ#I&IW]LD\-U+'X?":9>Z/JS6.NZ*`>`:O^RWXRO]:?
MQ]%\4?![?$CQ%J'Q`B^)MGKWP;C\2_!+X@^#?B/X!^%WP[UOP5<_"S4?B$-=
MTK3QI7P0^%M^)QX^NVFOK#7EN8YM+UU-+TL`[_X5?!GQ]\+=*\1:=;?%33]=
MEU'3]7O=+N]:\%ZUJU]?>/M?MM.-QXL^)_B3Q+\2-7\6?$O3]`;2-,T'PQIQ
M\3:)>Z?X1LK;0=9UCQ)?:?INO::!^!Z!\%/`.J_"CX1_#CX8ZQXAT_Q5=_#S
MP?H?@J'Q#IGA^Y\+6VJ:5X8L8M&T*XDT.Z\1:X]IJ`T2ST^.[==2ECN+J.XN
M88K2&=+2V`V\K&?XE^'GBKQKXJME\6>+?#]Q\*=(\0>$_&.C>`]&\&:CI'BJ
MY\5>"=1T;Q)X:E\6?$*Y\<7\.K>'[#QMI-MXBCT_1O#7ANYEN=)T:TO=0N]*
MAU:P\2`'D&D?LI>9X5/P_P#&GCW^V?!/A_X`>-_V8_AY#X7\+?\`")^*M&^%
MGC_3O!NB:U=^--?U7Q%XCL/&7Q`ATCX<^#5M=7TS0_"NG1W*ZS-+HD\6HVMM
MHP'X'K_P\^'GBK0/%7BWX@?$#Q;X?\6>-O%GA_P9X.FF\'>#-1\`^%;+PKX"
MU'QQK6@11:!K7CCQ??R^()-6^(_BMKS4&UQ;::V7288=/M9;*YN=4`V.`T_X
M1?''1?%_Q5UC0OC3\/\`1O#_`,6/B`/&6I6]K\#]6NO&WAJSC\$^"_AO9VGA
M;Q1JWQGO-!3Q!:^$O`FB31ZGK'@S6+!]7>ZO)]%FT^5='B`-_3/@G>>%_B/\
M'M>\%Z_X?\/?#+X/?!_Q)\'-)^'5QX6UW6M=FT+Q!+X'FCFM?B#>?$!?LG]G
M_P#"K_`4,"7N@ZK,\-OK8N;J:?5;:XT4#\#@'_9:O/#_`,)X?AG\-/&?A_PK
M<Q_&#P%\2VUSQ'X(UWQE9G0OA!XE\'WWPA\$)HD'Q+T29/\`A'_!/PJ^#_@V
MXUAM5>;5K#P;?ZA=0+K?B"?4K8`+#]E+[1>?'*'Q5X]_XICXT>'_`(O^%;SP
MY\-/"W_"L;-M.^,>NWNHZGXJ\;Z1%XBUKPMXZ^,&B:$^F^']-\?1>%M"U6ZL
M+:Z'B,Z^\]HVE`!XK_9Z^*?B^+6-=U+XM_#^W^(VM^(/@+<W6MV/P9\11>"8
M_"O[.WQ'UWXO>"M&M_!5Q\;YM33Q!>^/?$%[_:FLOXLDMI](CAL+32;&]5]6
MD`V\CZ_H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@#Q_]H'QCXJ^'/P.^+/Q#\%2^'X_$WP^^
M'_BGQUIB>*='U'7="O/^$/TFY\1WNEWVG:3XAT2[/]H:?IMW8Q7,6HQ_9)KR
M*[>&[2V:SN@#S#X8?M`VVH6WQ#O/%7Q%^%_Q-\&^"M/\$7]G\8/@KHFJQ>#=
M:\0^--5\2Z&WPBTOP_I_C?X@3Z_\4--N]&\*3IIND:Y=:GJ;?%OPOI]MH,-S
M/9RZ^!MY'I__``O?X9_\(K_PEO\`:GB#[-_PD'_")_\`"-?\(!\0O^%F?\)5
M_9W]N_\`"-?\*@_X1;_A.?\`A(/^$6_XJ7^SO^$=^T_\(]_Q4/E_V)_I]`'/
M_#G]HCPA\4OB/JW@;PC8>(+O2+;X/_"GXQZ#XUN/"_C;2="\1Z%\4Y?$\MA#
M:W>M^$K&PMO)TG2M!NH'.I2S7TVJZW816L=WX+UR.S`/$/C)\>?B7X,^-'BC
MX7:+\7OV</`MW>>#_A%JOP>\+_%#X?>-]7\3?$#QE\5_%?CCX=6/A!;WPO\`
M&33[RXT^V\9>$-(FO=<TGPE?KI6G>-8I;ZR\G19;W4P#V_6/VG?A%H/_``F/
M]HW?Q`3_`(0'X@>'OA;XH^Q_!/XV:G]C\=^+/*_X1G0K'^R_A[<?V[_:GVS1
M?LM[I7VVSF_X2SPQLN#_`,)3HO\`:@!H>(/VD/@EX4MO'E[XE\?:?H&F_#?3
M]5U/Q+JVJZ?KECHL]MH&JVOA[Q''X0UF?2UL?B+J&B^*[_3/#>JV'A.XUNZT
MO7]7T[0+^&WUG4+6QG`.0\:?M8_#/PWX0'B[P\/$'C>!/B!\*O!DEAH/@WXA
M7-Y<:/\`%/QM8>%M)^(>A6NF>"K^[\4?#^\T\^(+SP]XETFTN]"\77_A\Z%H
M&KW6IWT,=`&?^U7\9O'WP+T_X9^+O"B>#[WPI/XP\11_%'2?$&A:UJ'B&X\`
M^#/A?X\^,OBR\\`ZIIOBO2[/3_&$?@WX5^*['3K+5K&]LK[4]=TG[3=Z9:V=
MS)=`!\3?C-X^TC]HOX,?!KP*G@^TT37]0TR3XJ:KXLT+6M9U5=*\5>%_C/XO
M\&V?P_&C^*]*M[;4)[3]G/XGV&IWNKQ7$=A)KWA>ZM;35%&H6L`!W_B#]I#X
M)>%+;QY>^)?'VGZ!IOPWT_5=3\2ZMJNGZY8Z+/;:!JMKX>\1Q^$-9GTM;'XB
MZAHOBN_TSPWJMAX3N-;NM+U_5].T"_AM]9U"UL9P#@-)_:>T67Q]X_M-5DT^
M7X:6/@_X0Z]\)M4\':'X^\9^-_B9<^/-:^-^E:U<Z-X0T;PO)J7B33S%\(=1
MU721X3TSQ!:W?AK3+GQA'J]SHNH?\20`W_B9^T]\._A_X-^,/B+39-0\6ZW\
M(O!_B[Q/-X;T_0_%L5MXIN?!T@TO7=/\,^);7PO?6/B#3]!\5W&G:%XKUC0A
MK5KX*NK[;XI.F-"\8`.P^*OB[QM9?`[QIX^^$.F_;_&VG?#^_P#&W@GP[XI\
M">+[^\UV\T_23XAM/"E]X!BU#PYXDM/$&KVT#:3%8R-:7]A?ZA$T]C<2VDFG
MW`!P'@+XJ>*M0\=^/Y_$7Q#^#^O?!+P)\'_ACXQN/B%X4\-ZCH&CMXJ\6:/K
M&O>*9;WQW??%;7]!L/#^F^$M!TCQD-/:`W-OH7Q>\*7%QJ#VUM%J7B@`O^-?
MCK(/!'AOQC\+[73]6BG^.'P:^%_CC3_'FF^,O`_B;P;I7Q$^)?@GP=J[77@+
M7?#^GZ[9>,#I7C70[[3].UZ+08VT[Q#8^($DO['['8Z^`=AH/QW^&?B3_A7G
M]DZIX@_XNEX@\=^$_!O]I>`/B%H7G^*OAI_PDG_":>&M?_MSPM:?\(3X@L/^
M$.\5[-.\2?V3<WG_``CFI?88[G['+L`.@\"_%+P)\2/[4_X0O7?[6_LC[#/-
MYNF:QI'V[1]7^V?V!XN\/?VUI]G_`,)3\/\`7/[.U3^QO%VC?;]"UG^R=0_L
MO4;O[!<^2`>@4`%`!0`4`%`'S_\`&SXH>*OA;XB^"5QI6D_\)#X2\:?$#7_!
M?CG0='\*ZCXB\=KIT'PL\?\`Q"M/$W@XV/B>R\W^Q?\`A7]]-J&B6^B>(]5U
MBSNW@T*U?5X+6PU@`P/AY\:[R]E^/?B?QMXR^'^K?#+P'\0/"WASX<:OX"\+
MZZ;S7="\8_#CX;_$?PTZ7=GXS\3_`/"Q_$&M?\+;\+^'M'M/#&E6<VL7]A&^
MG6=S/XDL],TT`W]:_:@^"OA[3IM6U3Q%X@BT^U^'^O\`Q.NY[3X;?$[4_L/A
M#P?XJTWP5XZFOXM*\'7$EAX@\(^)]6LK/Q-X;N$CUOPWOEFUW3M/M[:>6$`]
M`\%_$[PAX_U'Q-I/AF;Q`^H>#?\`A%T\2V^M>"?&WA+^R;SQAX5TOQKHVD32
M^+/#VFQR>($\,ZWHUYJ&D0O)?Z1_:UG#JUO97%S'$X!\X?#KXS?&CQ/\0_!G
MA764^%]M=ZIJ&L:I\5/A;>:%XK\`?%SX+>$M/\)>(VCN=)B\6>*[BV_:"\'_
M`/"TKCPCX2;XJ>$=.TSP[<SV%ZVE:?J,.LS7/@D`Y_P;^UIJ&K:AK_Q.UYM/
M7]FH>,/%'PL\*ZUX/^%GQ0\<>(=;^(EE\4)OAWX$G\+^*O`UUX@M_B1X/\3V
MFA7^HR:O8^#M#TBRU/Q]X/\`"NF:YXDUN#6ET\#8/C/^T5X^^&'Q<\?^$X/'
M?P/MK3PY\+_`OQ,^'/PF\0>%=:C^+GQOU7Q!??$G1K[X2>`=:3XP6B7OC#4-
M;^'%K9Z=?:9X)UZ2&?XB:3;/HE_-8K_;@!]7_%76?'?A[X<>--7^%_A/_A./
MB-:>']0_X0;PL]SH]I9ZGXJN(C;:)_:]QKOB7P_:1^'[;4)X+O4<:O:7)L+2
M[6R\Z]:W@F`/E#6?VAOB78>&?'/B+0?$GPO\4VGP.^!\7QU^(-VOPS\;^&9/
MB/;77B'XU65Q\,]!\/ZK\3Y=2^!'C#08O@CK&A:O/XE'C:ZM]9UB9;O0--F\
M/W&E7X!Z!XE^,WC[2_&7C&^TY/!Z?#WX<?'#X-?`?7?"]YH6M7/C+Q1JOQBC
M^"HA\:Z3X[@\5VVF^%M/T:7X[Z.S:!<>$-=DOE\$WJC5[(^((F\/@'7_`!L\
M4?%/0?$7P2T#X9Z]\/\`0?\`A97Q`U_P+K=WXZ\!>(O'/V+['\+/'_Q,TW5-
M+@T#XF^#_)V?\*XO]-GMIY+CSO\`A(;>YCFM_P"RW@U0`P-2^-=Y\.-"^,.E
M?&3QE\/_``OX@^$WP_\`#?C^Z^*MOX7UVT^'%QH7Q%O/'&A>"KVY^'=QXSO-
M>3Q!:^+?`FNZ5/X4T_Q1J4VLHFB2Z5JL.H>)GT;PX`;^L?M._"+0?^$Q_M&[
M^("?\(#\0/#WPM\4?8_@G\;-3^Q^._%GE?\`",Z%8_V7\/;C^W?[4^V:+]EO
M=*^VV<W_``EGAC9<'_A*=%_M0`SS^T_\'M$^'<'Q)UCXC:?XH\*7^H?%"[TS
MQ#\._`WCGQ+;2^$OASXMUK1O$7B+^P_"EKXFU*?P?X7BM=/TW5_':K'X=N;J
MXLM0AFL;7Q)I5HP&WE8]`U/XR?#O1_&4?@2^UC4(];.H:3HUW?0>%O%MYX-T
M3Q#X@CLI/#_A7Q1\1K+0I?"?A+QAJRZKH`L-`UK6K#4[YO%7AY;6TE;Q%I0U
M``/AE\:/A?\`&6VUF^^%GB_3_&^E:!J%SI.IZWH,&H7/AZ+5;35=8TBYTRV\
M0FS73=1U!)=%EO#;V=U/)_9FK:#K`4Z3XFT:]U0`]0H`*`"@#C_&OCC1?`&E
M6^L:[9>,+^TN=0BTR.'P5\/?'WQ*U5;F:VN[I)+C0OASX9US4K33Q%93*]_/
M:1VL<CP0O,LUU`DP`>"O'&B^/]*N-8T*R\86%I;:A+IDD/C7X>^/OAKJK7,-
MM:73R6^A?$;PSH>I7>GF*\A5+^"TDM9)$GA29IK6=(0#L*`/F_\`:EUKP#)\
M(_&7PQ\9_&SX7_`^[^+_`(/\5>"M*\0_$S4M%BMGTK5;&'1O%]QHVAZKXS\,
M/K6H6NB:Z8XWAU(1V5UJ6GW-U%<PC[)>`'`>./CE^S;X^^'=EX6UC]K?]G"U
M\5V&H?#WQ;#XETSXB>`X/#Q\??#7Q;X9^(.A:C)X1NOB+<7A\'S^,O"NGM=Z
M&OB-;V33)KBQAUN"Z=-3A`/#_%.M?`+Q1X:ODO?VT?V0+GQ[XD^,%K\8/%NN
MZM)X+U#PA_;&E_">W^$&@CX>:!;?'BR\7_"GQ!I6C:%X.UJR\5Z%\1%UVSUO
M1KZYL[ZVL-5.FV8!T$?B']F4>*K>\N?V\/A_<^#Y/@_\*?A=XDLXOC[X7T/X
MI^,[SX0:C\1+_P`/^)?$/QL\+_$73-:MO[2G^(]]?ZQ!HEEH]_J.HZ)I[2:N
MNCW.L:'K@!GZQXX^$<7C[7?%/A#]MK]C!/#NH^#_`(-^#=-\,_%9K'XOZKIM
MM\$-:\4^+/!^OZAXROOVI=&O/$?C"/QEXRU75O[;OK8W22:;HLV]M1L;C4M1
M`/0'^(7[(<_Q0\`?%'4_VLO@?K>M^"O!\>A:A=:M\7/AC%JOBSQ-HFG^(="\
M$^.=3G\/^)-*TC3=0T?P[\3OCO9S:;INA6NG:A)\6WN9;>%O#.B)8@?@>'ZU
MHG[)CZ=^T!9>$?VM?V0/"NH?&_P_\5?#C>+'A^#NI>.X+/XZ>*I?%?Q(?QYX
MWL_B-I>M?$#[!/>:A8>$K2SO/"UAH]G)9KKMGXMN-*L;FV`_`Z#QCXK^%GC#
MQ+XJ\4W7[>'[(%EJ&O\`A_\`9JMK*&W7PZUGIGBK]F_XL+\8],UFYCD_:3,F
MI>'];\3ZQXUM9]&CELKFVL-4T2*/5I;C1;NZ\0@'J'C/XP_`OQ#K7P#U+3/V
MV?V<(XO@WXP;Q;X@N/%OBWX;:_XA^(=S+X!\2?#6[9M0\*_$CPEI'A/4+KP[
MXW\874LUKX?O+5=3NM+G@L(+'3I]-U0`\?\`!H_9M^')^$EMX,_;?_9P32OA
MM\4+'Q]JEOXG\4^`];U#Q)I7ASX#:=^R_P"$?#VGW^E?%S18?#FH6_P7L`=2
MU::RUB/4/%$IUJUT[2])7_A&B`<?\0O#_P``O$_BKXF>(/"W[<O[('AS_A:7
MP_\`C3\,_$>M>([;P7XO^)FI^%?CCJ/A[5=7M/$7Q#T[]H3P[_PDO_"'_P#"
M/V^B^"8KK1TMO#_AY;?1Y;?4OLJW<@'X'H&N^*_A9JWQ3U#XS6?[>'[(&A_$
M`?#_`.%O@KP]K&GKX=']D?\`"#^(M3\0^,;/4XI?VDS_`,))\/\`QM_PE_CJ
MTOO"MRT7V3_BB=3M=2_X2#P'9ZS?@&?/I/[&ZVW[0EKI/[5/[*&AR?''P?\`
M&SPQ'XFL+SX*1_$.TN?CUJNI>)?%>H?$'X@KXP75OB+I^B^(M0\OP[H]C+X2
MM;32(8['5QKM]::=J^E@?@?6'A;]J#]G;2="L;+Q/^UQ\`/%?B!?M5QJVN)\
M3?A=H%G<7E]>7%]):Z1HEEXGF_LKP_8_:18:=:W=YJM_'86-HNI:IJVH"YU*
M^`V^1X_X`\7_`+'?P]^%GC7X6Z#^UM\']#@\9?\`"1V*^*O"?QR\#>'_`!5X
M9T*7P[9_#GX;V_AK4KSQCJC:=X@\#_"+PU\/?#-EK9WS7USX(AUV_BDU/4KZ
M2<`\/T2+X+^&?!OC/PAX7_;7_80\'6GBKXX?";XWV>F>"_"/A3POX-\-ZK\+
MI/A_?OH>E^#]/_:@"+I^M:W\*/`E]<S)?0R(UQXISYLVN6=QX>`V/0/^$@_9
M^C\9>!=4T_\`;W^!^B^!OAU\</'/QOT#PAI7BWX,OK6K:K\48_BC?>/=#\7^
M,-=\5ZFFH:?)K?Q4U^UTJ;1=%\/2:?H&H:C877]J:Y)I?BCPZ!^!Z!^R9;?L
MP_"^YG^'OPI^-_[.'B_6]<T_0?#GAW0OA<?A+H?C+Q%X>^'NE:W/INL>.9O"
MNN:CKOQ2^*$FE7FK7>N^(GELM,F6Q^UZ;X<T)I-5EU<#8^[Z`"@`H`*`"@#Q
M_P")/P\\5>,_%_P6\1:!XM\/^'-/^%7Q`OO'6K:5J_@S4?$MYXI^W^"?%'P\
MDTO3M6LO'&AQ^&-OAGQUXM9;F:PUK_3WTBY,)M]/N;+5P#S"Y_9,\&GP#\8O
MAO83Z?#X4^)?Q0\'?%'0_#6K:#)XC\)>%;GP'HOP?M_#W@;4_#FK:W(GB3X7
M_P!M_"&P6;PS9W'A^UA\.ZN_AG1_[(M=/LKJ`#\`O_V3/!NL^#?A]X(U6?3[
M'1/#FG_$3PSXUTCP!H,GPH\/>+OAY\5Y)O$/C?X9>'M%^'.MZ0?`/@^Z^(6E
M_#_51)%=:KJ]SIG@9M$UG5=77Q1XBOM9`/;_`(6^!?\`A6W@30O"<VJ?V]JU
MM_:>L>*O$OV'^R?^$L\=^+-8U#Q9\0/&/]C)=W,.@_V_XVUS7]9_LFSF-GI_
M]J_8[)8[2VACC`V\K'SA-^ROXR\8>!O"_P`+OC)\<M0^)'@WPGX/U_0[378/
M!D?A[XN:QXA\6_![QE\&?$&N^*/'=[XJUO2-;T]/#OQ(\;36%J?"4.II.GAZ
M76-<URYTW5;GQ0!M\@TG]FWXN1>)M,\<>(/CCX/OO'%GI]EI-_XET#X*7V@Q
MZK<S>'H_">O_`!8F\&ZI\7=<\'VG[1X\+V=IH>C>/K;PY':Z?HVHZWH.J^'O
M$.AW6F:;X=`/;]%^'GBK3/CCX\^*EUXM\/W?ACQA\/\`P%X%LO!MOX,U&QUW
M1_\`A7^K>,-<TS5+GQI)XXNK35OM&H?$7QJ)[:/PU8?N9-$CCF1],NY=;`.P
M\:V7CZ^TJWA^'/B7P?X5UM=0BDNM0\:^!]:\?:5-I2VUVL]G;Z-H7Q"\'3VV
MH/=O8RI>OJ<\:1V\\1M)&N$FM0#YPUW]E'?IWBWP]X0\>_V/X?\`BU\/[[X:
M_&Z7Q1X6_P"$I\5>+='UKQ5\5/&/B;Q/X+UC1_$7AO2OA_\`$#6O$'QQ^*.H
M75U/X>\1:%!<ZCHRZ9X<T_3]'DT_4P#K]?\`@/JNL>,M?OK;QKI]E\/?&OQ0
M^&GQF\:>%YO"-S>>,KCQ]\*(_AH/"Z>%_'<?BVVTWP_X/GE^#GP^:_TR^\(:
MY>SJ?$*V^K69U:Q;0`#H/B_\./'WCG6OA1KO@3QUX/\`!=W\+_&&M^-5C\6_
M#G6O']MK>JZGX!\6_#FSMV31OB=X/?3M/M]$\>>*)Y4$ES)/=?V6ZRV\-E<0
M:F`<AXM^`7BKQG\./C/HNM_$'P^WQ3^.'P_C^%OB/Q_:_#[4;;PAH7@2VB\3
MZ?I^A>%OAL/B&;NW^R:?XY\<WT=[JGBW5;Q];\675U<7$VBV6E^'=+`V\CKW
M^#%MJ7Q0\`?%SQ)J6GWWBOPGX/CTK7DTG2-5T;2O$/C+2]/\0Z/X2\7Z99W/
MBK47\.:?H6B?%#X]6$.ARS:LMW'\6$EU"]NKKPMI%Q`!^!X!=?LB>/M8T7P_
MI&N?&+P?#=Z5XP^.OB6;Q?X-^#VM>#/B'H$?QY\?:;\0]=N_A)\0K7XRW7B'
MX5^,-,U*?QIID&H0:CJVC:II'B:TT[Q+X;UR'2G_`+4`/7]?^`^JZQXRU^^M
MO&NGV7P]\:_%#X:?&;QIX7F\(W-YXRN/'WPHC^&@\+IX7\=Q^+;;3?#_`(/G
ME^#GP^:_TR^\(:Y>SJ?$*V^K69U:Q;0`#L/@C\//%7PP\(:KX<\6^+?#_C/4
M-1^('Q(\=1:IX<\&:CX&L[?_`(67XVUOXAZMI;Z3J?CCQ3)<?9?$WB?7EM[D
M7\6+!K"WEADN+2:]OP#V"@`H`*`./\:_#WP#\2M*M]"^(W@?P?X^T2TU"+5K
M71O&OAG1?%6E6VJP6UW9P:G;Z?KME=6\.H1VE_?0)<)&)%CO)T#!9G#`!X*^
M'O@'X::5<:%\.?`_@_P!HEWJ$NK76C>"O#.B^%=*N=5GMK2SGU.XT_0K*UMY
MM0DM+"Q@>X>,R-'90(6*PH%`.PH`*`/#_B_\1_'W@76OA1H7@3P+X/\`&=W\
M3_&&M^"ED\6_$;6OA];:)JNF^`?%OQ&L[AGT;X8^,'U#3[G1/`GBB"5Q';20
M77]EHL5Q#>W$^F`&AX(^,WA7Q)X<TC4?$6H^'_!'B"]\0>,O!UQX<U3Q/IQ\
M_P`5?#WXICX)^*8O"]Y?)IUSXE\/O\39](TK3-0;3=/N;S_A+/#J7&GZ?J&L
M1:<@!Z!H'BSPKXK_`+;_`.$6\2^'_$G_``C7B#4O"?B/^P-9T[6/[`\5:-Y/
M]K^&M;_LZYF_LKQ!8_:;?[3IUUY5S!Y\?FQKO7(!\X?$3XY?%SPOX^^(7@WP
MA\*?A?XFM/!'@_X:>+--OO%7Q\OOAQJOC"Y^*VM>,O!_@_P=I5A??!S4]'L/
M&&I>._`NJZ'96U]XDAM;J36=`;[;%-J-Q;::`>GZE^T)\`M&_M_^U_CA\'])
M_P"$3\00^$_%/]I?$OP78_\`"->*KG^V_L_AK7_M.M)_8WB"7_A&_$>S3KOR
M;EO[`U+;&?L,_E`'82_$+P#;7/C6SG\<>#X+OX:Z?::M\1;27Q+HL5SX`TJ_
MTJXUVQU/QK`]Z'\*Z?<:):76H17&IK:QR6MM+<(QAC9P`>?^//VCO@O\._#-
MUXNUWXA^#Y=$TWXH>'_@[K%UI_BWPH\>@^/M:\0Z5H6H:#K<]YKEM;Z7J'AV
MTU.;7M<LIYEO=.T;1=4OWM76S*,`:'Q)^(7BKP7XO^"WAS0/"7A_Q#I_Q4^(
M%]X%U;5-7\9ZCX8O/"OV#P3XH^(<FJ:=I-EX'UN/Q-N\,^!?%JK;37^B_P"G
MII%N9A;ZC<WND`'8:9\0O`.L^(9/".C>./!^J^*X-/U;5IO#&F>)=%OO$,.E
M:!XFO?!6NZG)HMK>O>1Z?IWC+3M0T&[N&A$=MJ=A<6$S)=0/$H!Y_IOQR\/:
M]\:+3X1^&(M/\1VB^#_B5K6N>-]$\5^&=6TK0?&7PR\5_#;PSXA^%]]I&D:A
M=ZE8^,+"+XCZ7?ZE%JD.E+9QW6F10"_FO+U=$`V\CL+7XL?"R\T+PMXILOB7
M\/[KPQXX\06_A/P5XBM?&7AV?0O&'BJ[O+[3K3PUX6U>+4FM/$'B";4-+U.U
MCTZPEGN7FTZZB6,O!(J`''_$+XU:5H7P&\<?';X8R^#_`(M:)X0\'^)O&MD=
M)\<VUMX9\2Z5X+%[<^*;?3/&?A_1O$=O_:%O::/K<,*1V4\<FHV*65S+9J\U
MU:`!X/\`B/X^UCXN>*?ACXG\"^#]!M/"?PO^&WCZ\\0Z#\1M:\3W-QJOQ$OO
M%>BKX>MM#U#X8Z"G]GV&M_#OQW&=6?4EDGM8-!N1IT4VKWEIH``?$SXY>'O!
M?PC^,/Q2\&1:?\6I/@UI_BX^)?#'@WQ7X9^TV/B'P78B_P#$?AO7]4N-0:W\
M-ZAI%HXO-4M)DN-3MK6.0VNEW]\]K87H!V'_``MCX6?]%+^'_P#R4#_A4_\`
MR.7AW_DJ?_1-/^0E_P`E`_ZE[_D(_P#3M0!T&G>+/"NK:[XC\+:3XE\/ZGXF
M\'_V1_PEOAS3M9TZ]UWPM_PD%F^HZ#_PD>D6UR]WHG]I:?')=6?VR*'[3#&T
ML.]%+``Z"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`
MH`*`"@`H`*`"@`H`^;_C]\)M5^+>M?`ZPG\$?"_QW\/?!OQ0N?&OQ%T+XF:E
M<FVOM*;P#XS\!6-OHWA=_A_XBTWQ-J%K+X]NO$$::G=:1&MUX1T^V253J;7^
MC`%#4/@A]G_:.^#7Q)\.?#7X/V7@GX8?!_QK\,[?5UE_LCQWX<_MZZ\//X6M
M/!GARQ^'<]A!X?\`#FD>'=7T:TB7Q-I?E6?Q6\2K;V\$5O+;^(P/P//_`((?
MLK>*OAAX5N/#UO\`$3Q!X`U>P\/_``S\`VOCKP+XNU'XD^*O&/A7X4:=XOL=
M*O=4L_VA?#OBWPW\,/#^J7/C*[U"#X>>#?#RVWAVYM;A8/%&LVFIK:Z6!L'Q
M.^!7C;Q7\?=5^*S_``4^`'Q)T_3?#_P5T[X;ZOXZ^*?B_P`&^._!NN_"7QIX
MT^([>(]+N]#^`OB230/[0\3>+M.M)["PUEH;VS\&V_\`:+7-OJTVF6(!Z?<_
M!#5=1^*'A+QIK.N:?=:)_9^@^*/BAX>TBWN=`\,^,_C1\.]/;1?AYXR@\#71
MU>W;3VM/$FKZE?2:MK>I:M:ZC\&O@FUC?LO@V62Y`V/G#QI^QIXEUCPY^T-H
MUCI7P_\`%.H?$7P_\==(\"ZM\0/B-\6+_3H+S]H+XIV7Q3O-13P%>V&M^$/@
M]_P@NLV.EW,+>&-"U^_\7ZKX4T+6)M1\(7$5U%=@?@=AXI^"'QHU+7-?O_#7
M@KX'^%]$7P?^QK9>#_"^G_$GQ79:5IFJ_LP_&U_B_J7A,0V'P-BM]"\'W=IX
ME\1^']+U&RM;F2"/PKH]S)H\2ZY/9^'0#V_Q_P"#OBGKGB+]FW4]-B^'^N_\
M*T^($WC'XEZM?:QXB\"_;/MGPL\;_"^_E\"^%;?P]XO\W?\`\+'UK6X=/U7Q
M%;^3_P`(]8Z8^H7']J2ZGI8!X!\,OV>?BG\/+/X.:=I/PW^`'@_3_!?[3_Q?
M^-?BVQ\%>//$5G9MX5^(^A?$OPMH.GZ':VWP)TN/6/$'A_PS\6)-(B@O%TNV
M-A\)_#UG#=V]OK1C\)@'/P_L@?%/4K/P]X3U+7?@_P"%_#'AS]D#XG?L;W7B
MS2/#GB+Q3\1_&/A77-"\$Z-X*\;ZC<W%QX<M-"\O4-!O=9;P>\VO6VA/_:]E
M::UK3^-7U/P<!M\CU"'X">.8/A'XH\#:=I'@_0];^*WQ0T#Q!XYU&\^,'QA^
M)/B'P)X>M+'P;H-]X\\&?%;XEZ3JFN^,_CAHNE>`]'U+PC?7&D^#=,\/ZG%H
M$@BNF\(O=>*P#Z/^%6F^*M%^''@O1/&N@?#_`,+>)M#\/V&BZEH'PJFU&3X<
M:9_9$0TVSA\%PZMHFDW>E^'VT^VM)+?2I;,_V:DO]GI<WR6:WMV!MY6//_V<
MO@I_PHOP3J?A9[_^T)KOQ!#Y$R77VN)?"O@?PAX3^#GPO\V0Z58,OB";X1?#
M+P!=:_MB-L_B2[\02Z=Y.F2V5K:@'RAIW[+/QTT#P;^T1X(TVU^%]_%\5_V<
M/#7P*T+7M3^+WQ)2V?6O#DGQ(T*;QA'X"G^%.H:1\&_!]_X=^*6I:K:?#CP3
M=7&@>';KPQ;Z)I*FQUJ75-(`/4/''P4^/OB#_A+(/"U_\'_#/_"Q?C!\`_CY
MXCU/7[KQIXR_X1CQ5\+O^%$:?J_P]T30M.TKPS_PDWA^/_A3-OK]MXKNM7T2
MYU/[1)X<E\.Z+]N7Q3I(!V'P?_9[U#X;_%?QCXVOVT^_M+O4/C%>^'M<D\=_
M%#7=5NK;XX_%6V^+.N:39?#C6=7C\$_"/3]&OK&QTJY?P_:ZY=>+)-.L-;N;
6GP]-!=Z9JX'X'U?0`4`%`!0`4`?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>a-34.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a-34.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`%<!@P,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/WLU;5M*T#2M3UW7=3T_1=$T73[W5M8UC5KRVT[2M)TK3K:
M2\U#4]3U"\DCM[#3[6TAFGFN)Y$CBCB=W954D`''^!?BQ\+/B?\`VI_PK/XE
M_#_XA_V%]A_MO_A!?&7AWQ;_`&/_`&G]L_LW^U/[`U*Z_L_[7_9]_P"1Y_E^
M;]BN/+W>2^T`]`H`*`/+_&OQN^"_PTU6WT+XC?%[X7^`-;N]/BU:UT;QKX_\
M*>%=5N=*GN;NS@U.WT_7=6M;B;3Y+NPOH$N$C,;264Z!BT+A0#T#2=6TK7M*
MTS7="U/3]:T36M/LM6T;6-)O+;4=*U;2M1MH[S3]3TS4+.22WO\`3[JTFAGA
MN()'CECE1T9E8$@&A0`4`%`&?IFK:5K-M)>:-J>GZK:0:AJVDS76F7EM?6T.
MJZ!JM[H6NZ9)/:R.D>H:=K>G:AI]W;LPDMKJPN+>94F@=%`-"@`H`*`"@`H`
M*`./\%?$+P#\2M*N-=^'/CCP?X^T2TU"72;K6/!7B71?%6E6VJP6UI>3Z9<:
MAH5[=6\.H1VE_8SO;O()%CO('*A9D+`!X*^(7@'XE:5<:[\.?''@_P`?:)::
MA+I-UK'@KQ+HOBK2K;58+:TO)],N-0T*]NK>'4([2_L9WMWD$BQWD#E0LR%@
M#H-6U;2M`TK4]=UW4]/T71-%T^]U;6-8U:\MM.TK2=*TZVDO-0U/4]0O)([>
MPT^UM(9IYKB>1(XHXG=V55)`!H4`%`'E^N?&[X+^%]5\2:%XE^+WPO\`#NM^
M#-/L=6\7Z-KGC_PII&J^%-*U2YT2STW4_$FGW^K17&A:?=W?B7PY!!<7L<$<
MTGB#34C9FOH!*`>@:3JVE:]I6F:[H6IZ?K6B:UI]EJVC:QI-Y;:CI6K:5J-M
M'>:?J>F:A9R26]_I]U:30SPW$$CQRQRHZ,RL"0`LM6TK4+G5K/3M3T^]N]`U
M"/2==M+*\MKFYT759]*TS78=,U:""1GTW4)-$UK1]06WN%CD:UU:SN`IANHG
M<`T*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`,_5M6TK0-*U/7==U/3]%T31=/O=6UC6-6O+;3M*TG2M.MI+S4-3U/4+R2.W
ML-/M;2&:>:XGD2.*.)W=E520`?G!^S[9>/K']E#X=?M`:!XE\'_%3Q7\-/V,
M-;\+_!#P9X$\#ZU%;'5;CP?X(U/5O!OC@V7Q"\0WGQ#\86WC+X0>$O#QCT!/
M"$D5U;>(K:6P-U?6T>A@?@=!J/QSUK0_!'QHO/`_[1?@_P")'@KPYI_P,B\.
M_M">.]8\`Q^&="\9?$_XEZ]X%\?^"KKX@?!OX77/@_1M0T#PO;>!-6T^?5O!
M6N+H6H_$2QU7Q9'?^&;J"UM0#C_"7Q!U:/XG?LQ_$KQ/X_\`C!XMO?$?P?\`
MVM=*\'>"=7\*_`[3/%_Q3EC^-7PGB\':+IUIX!LKC0==_M3PE>Z!JZ^+?#WB
MG3/#=[HGPRTCQH]WH/AFY\4R7P'X&A^T;\7-:L_B7\+YM&^)WPO_`&5/BC=_
MLX?M-QVEG^T?J/@&_N=`N=?\;_`K3_!27;>&/BC=Z%HNH:SJOA'4-3TS5FG\
M8VHM?#.KI-X?U&>RO;.P`.P\;:M\0+:\\)VWP!^)GB#2_AE\:O#^E?"[X%67
MAOPE\(-'\$_"3Q?X1UW0Y;GQ+X0TSQ)\,GO/B!\/[WX)>%_B5XSTN";4+?1+
M[2/AOJMGX?U>:?XB>![OPR`%S\4_C)X>^/?BGP-J?Q/^'^@>"_!7A^XTY;SX
MGO!+KNI^#M+^`]CXUN?VC?$7@#PE\./#ZQ^'[;XNSWNAZKXW?XD>"O`AAT/5
M?"EIH5AXJDL-2F`/F#Q-\=O$7C3]F63P_P"+/VC?#_B[Q-\>OV`/C/\`%G5M
M-T2V^%FBWFA>*OAQX7\)0R>$/">B66FW=VW_``DVGW'Q?TWQ>FI2:I<O?_#S
MQ'<^%$\%IHMSI^E@;>1]_P#Q(^/WA7X9_L^V?Q$L/B%X?U.?6?[$\`?#CQ[\
M3YM.\-^&O&7COQ!J:^#_``UXU\12V<'AFTU'X?RZ@LWC#5=8\*6D-G<>$],U
M7Q!X=AN-,6S,H!Y?^S]K6J_!3XH)^SE\2=:\'V&M_$'P>OQ'^'N@6_QCN?BC
MXMNM5\(:?HOAGXFZQXAO]>^'_P`/KB'4/'%W`GCF*WTWPQJ$FL>(K'XT>)-0
MU,-,+6T`_`\/^&7[2/C3QQ9^+?B1H_[2GA^\@^'_`,`/B9\4O%G@KQ!JWP"U
MSX<:CXQAT+2;OPUKOA7P;\(O#>I_''0/@!X<NIO$5QJ-EXX/A_QW&EYX*L;B
MWN]3?7;$`'/W'[1?CF#PYKGQ$\+?MB>']-\,6/Q`_9T^'L&B_&W4_P!COXBZ
MC8WGCGXIS0?$+7M7/[,^LZ3IFE^'V\!6UO=6)NO%:W[:5X/^*3RV&FO%H?BC
MP^`?4'ASX@_&2W_:D?X7ZGXP\/WO@OP__9WAQ="\1W4"?$?QQX.A^#&D>*[G
MXW)X(\)?!VW6T^T?%V[O?#%QX[?QCX?\"!]+O_"MIX4B\5/87=V`>'_!S]H/
MQY\2[G6O&OAOX[ZAXSE\'_`_X@?$3Q#\)?#D7[-OQ"MO&7CF72M%?PG_`,*=
M^%7P_P#L'Q?/POTN_NO$"KH'Q)\0^`O&$]UJG@+2M1NDOKCQ!';@''Z+\=Y?
M&.M_!N^\<?'[P_J[_!+]K^Z\.7&I_"OQ7\./BU_PF^A>+OV1_'GC3PF]]J/A
MGX,:#)XN\0:SXGNO&WPVTFT\'>"_#4U_]OU/1+&SU7Q=I=EK\(!]8?L=_$[X
MN?$O2O%6H?%/6O!^HW:Z?X*U:XT+PW?7VJZK\-/'.OVVO3^/OA/XGF@^&'A/
M3?!^H>&9;/0+<>`=1U#QIXP\.275V?%/B&_AUC0Y7`/D_P``^+/^))\4;7X.
M>)?[8M?VI/B!^T'\.+'Q9\,]9\^#X<?%.7]KCQKHUK\3K2Y\+7,J>(_B!=_L
M^?'72_B/&([K1M1?P;^RQ:W:Z@^B11ZGX4`/0/"'Q-T?PO\`LM1CX'>/?A_X
M/\,0?M/_`+0G@X^,M"U[P)H'PX^''A6?XS_&GQKX8BU7Q]J'A?QEX6^$?A_4
MM";P/:Z3J%_X&\66U^GC7PWHMAI]B_C#3?$>@`'B'C?]HN/]H'X+_'QO&WQN
M^!][X-C_`&$/A_\`%6?X3>'],\&R26/QH\7^%/B-HVJ>'=2UKQ'XIU[4(M0\
M/?%@^`KN*PM[?3]6LM9U+X8V<%Q97,.I_P#"PP#W_P`6?M">-[KPEJ.I^%_C
M1X/T_P`27OQ0\*>'_BA'<^+_`(:>&?A?^SOX!USX>>-_B%\//%_A+XLW?PJ\
M=6\G@_XAVEO\-+6P\<^-M%\3V7B2X\4FPTS1?`FO:E+HG@T#8]`^$7B+55_:
MCU.X\?\`C;4&\=_$G]E#]FG5I?AUI/A:YTOPS:ZK%J?QWO?%NIZ9HVN>!;/Q
MWX2\'Z%K&FW@AN/&M[9R6FH_%=-&UMGU+4?"^EZ6`:'[2?A;7;CQL/#^B6/V
MS2/VK_A_I?[-?C6YENK.*\TRST+Q?>Z]=GP>TMQ"FF>((_V?/B)^UEXH-[JD
M&J6#W_PQ\+6L<!N[B/2/%H!G_M,_M!>)O@U\5_ARA\:^#_!G@1=0^%4?B"Q\
M?:SX>\&Z5XPTKXB?%5?`7CF\\/7>M:#J5]\1M0\$>%&B\0ZA9:+KGPZC\'1W
MVDZWKUWXQTWQ!'HFB`?@>?\`AWXD>$O`'QK^+.I>$_B5X/\`"/PWTG]L_5K;
MX]Z=IMW\.[7P1I>E>,?V./##IXM^(VL7&FO=>!]0F_:/\"2:''J@U;18]1\2
MZIKFE:B-1U298;4`X^X_:0^.-Q\/_`,GA#QKY5S'\0/VH]`O/'WQN\)ZM\++
MSQMXE^%OQ?MO#_P2^%\_AVP_9\U";QUX@\3^"=9O%O/`G@+PKX8\6:W?^!=9
MT[1M<T36_#>N:?,`?J_0`4`%`!0`4`%`!0!Y?J?QN^"^B>,H_ASK'Q>^%^D?
M$*;4-)TF'P'J?C_PI8>,I=5U^.RET+3(_"]UJT>I/J&I1:EI[VENML9+E;^W
M,*N)T+`'J%`!0!X_X6_:$^`7CC7;'PMX*^.'P?\`%_B;5/M7]F>'/"WQ+\%^
M(-=U'[%9W&HWOV'2-)UJ>[N_(T^TN[J7RHG\N&VEE?"1LP`/8*`"@`H`X^R^
M(7@'4/&6K?#G3O''@^]^(6@:?'JVN^`[+Q+HMSXRT72IX],EAU/5O"\%ZVI:
M;I\D6M:.ZW%Q;1QLNK69#$741<`["@#/LM6TK4+G5K/3M3T^]N]`U"/2==M+
M*\MKFYT759]*TS78=,U:""1GTW4)-$UK1]06WN%CD:UU:SN`IANHG<`T*`./
M\2?$+P#X,U7PQH7B[QQX/\*:WXUU`Z3X,T;Q)XET70M5\6ZJ+G3[,Z9X8T_4
M[V"XU[4!=ZMI4!M[&.>3S-3M$V[KB,.`'@KXA>`?B5I5QKOPY\<>#_'VB6FH
M2Z3=:QX*\2Z+XJTJVU6"VM+R?3+C4-"O;JWAU".TO[&=[=Y!(L=Y`Y4+,A8`
MZ"\U;2M-N=)L]0U/3["[U_4)-)T*TO+RVM;G6M5ATK4]=FTS28)Y%?4=031-
M%UC4&M[=9)%M=)O;@J(;65T`-"@`H`*`,_5H]5FTK4X="O-/TW6Y=/O8]&U#
M5M,N=:TJPU5[:1=/O-3T:SU;2Y]6T^"[,,LUE!J>G23QH\27=LSB:,`\/_X1
MS]J?_HLGP`_\1I^(O_T6-`!_PCG[4_\`T63X`?\`B-/Q%_\`HL:`#_A'/VI_
M^BR?`#_Q&GXB_P#T6-`!_P`(Y^U/_P!%D^`'_B-/Q%_^BQH`P-1N?C[H^N^'
M/"VK?M%?LP:7XF\7_P!K_P#")>'-1^`7C2QUWQ1_PC]FFHZ]_P`(YI%S^UTE
MWK?]FZ?+'=7GV**;[-#(LLVQ&#$`S_#>O_&CQCJOB?0O"'[3G[*'BK6_!&H#
M2?&>C>&_@?XKUS5?".JM<ZA9C3/$^GZ9^U]/<:!J!N])U6`6]]'!)YFF7:;=
MUO($`.O_`.$<_:G_`.BR?`#_`,1I^(O_`-%C0`?\(Y^U/_T63X`?^(T_$7_Z
M+&@#@-(\:_%/7]=U'PMH'[5_[(&M>)M'\0/X3U;PYI'P;\1:CKNE>*H[/Q'J
M,GAK4=(LOVPI+NQ\0+I_@_Q;=-ITT27(A\+:O*8]FFW+0@'S?IG[./C+6=:D
M^`NL?ME?`_XBZ;\//!^K:9HG[-FI_!J."Y^%G@WQ!X!O?AA!)';^!OVB]$^(
M[Z?:_"OXBWWANTO_`!5XCUAGM?&%O?W,UUK)T_5+<`Z#0=/^(?@+XN6VG?$#
M_@H9^SAX]^-%II[>`/"_A;XF?"#PEX=\9>'+;XB7WA+6[WP]HW@OX=?M">#9
M]0U#Q3=Z#X`N(UU;3]5NBNE:>-):UCU*]74P#Z?U:R_:2T#2M3UW7?CO^SAH
MNB:+I][JVL:QJW[.WCS3M*TG2M.MI+S4-3U/4+S]K6.WL-/M;2&:>:XGD2.*
M.)W=E520`?,%A\&OBA\&_$WPAT/Q;^VQ\#[?3=!U!])_9R^$/Q#^"&GZ!I6A
MZK;^'I_AKI&F?#UK']H/0_&7C[4-)\%^-KGPO;V^O>(?%4DD?BB&XOUO-9-C
MJ$`!]`7FO_&C3?&6D_#G4/VG/V4+#XA:_I\FK:%X#O/@?XKM?&6M:5#'J<LV
MIZ3X7G_:^74M1T](M%UAVN+>VDC5=)O26`M92@!G^.O&OQ3^%W]E_P#"R_VK
M_P!D#X=?VY]N_L3_`(3KX-^(O"/]L?V9]D_M+^R_[?\`VPK3^T/LO]H6'G^1
MYGE?;K?S-OG)N`-#3-?^-&L^#9/B-HW[3G[*&J_#V#3]6U:;QWIGP/\`%=]X
M-ATK0)+V+7=3D\3VO[7SZ;'I^G2Z=J"7=PUR([9K"X$S(8'V@'7_`/".?M3_
M`/19/@!_XC3\1?\`Z+&@#/TRR_:2UFVDO-&^._[.&JVD&H:MI,UUIG[.WCR^
MMH=5T#5;W0M=TR2>U_:U=(]0T[6].U#3[NW9A);75A<6\RI-`Z*`:'_".?M3
M_P#19/@!_P"(T_$7_P"BQH`/^$<_:G_Z+)\`/_$:?B+_`/18T`'_``CG[4__
M`$63X`?^(T_$7_Z+&@`_X1S]J?\`Z+)\`/\`Q&GXB_\`T6-`!_PCG[4__19/
M@!_XC3\1?_HL:`#_`(1S]J?_`*+)\`/_`!&GXB__`$6-`'N&DQZK#I6F0Z[>
M:?J.MQ:?91ZQJ&DZ9<Z+I5_JL=M&NH7FF:->:MJD^DZ?-=B:6&RGU/49((W2
M)[NY9#-(`:%`'G_Q2T_QWJG@37;#X9ZG_8WC:?\`LS^Q-1_MW1_#7V;R]8T^
M;4O^)UK_`,+?B-867F:3'?Q?O_!NL>9YOE1_8Y94U"Q`//\`X%^'OCMH/_"4
M_P#"ZO$W_"1?:O[$_P"$9_XKGP=XT^Q^1_:_]L_\BG^RY\'/[-\[SM*_X^O^
M$C\[R/W7]G>1)_:@&Q]`4`%`!0!\`>.](_X6]^TU\?\`X+:%\4_A_H.G^)OV
M8/@]X.^+'A:71?\`A*/B/=>%=6\4?M"VWB*+P?<6?Q`TF/P'X@T_PS\0]$N#
MJ&L>'?%=M`_COPM=SZ>UO<0P:P`<_K'QM^+$G_#8%_X6^,OP_P#%,_PA^,'@
MOX<>'O#.A:=X:\/Z=\,O!/C?_A3,/C'Q_P#$'Q3+'XVN]+_X073[WXFC_A(=
M4T>YTC2M5\'?$#5-?T36M,TZS\,>"P-OD?1_P1^(WQ#U_P`,_#ZT\6>%=0\9
MMKFG^(;B]^-'@K4O"4_PO?3]-\0^*['PM=W%SX@G\%>)_%FH:OX:T7P[=OXD
M\*?#.V\+ZS<>)8-6\/I;^'KV'[``?('P$^)/A[Q3XHFTB']HSX'ZMX:O_BA^
MV!_PK?P'X`TWPSXH^/WA;XB?$3]HOQ7:>!?BMX>%S>>-!XAT^#X>^(OB7J@U
MJV\-:#I&F^'/%SWFNV^N:#]LU+3`/P/0-"\1?M.6.E?%75O^$V\8>,_$G[-7
MPO\`B)H&J^$KKPM\+=6TKX]_'F.V\9>+O`,TN@^`_`NF>(_#6GR_#34?A+XF
MC\/>&M:E-S'\4_#>@2:H=>\$^*Y?%8&WR./T[XW?%BY@^`7AN]_:7^#^F0?$
MW]H#QA\-X/&>A2^&OB5K'COP2/@WJ&N6EYX2^(5_X$^&W@KQ1X@TGXH7*>&X
M-2\*?#S4-(MM=UGP/HNJG5=3T3Q-H7C,`/AG\9='\>?'C]GWQE>_&[_A*$A\
M/_MC_!33K#PBG@3Q#9^/M1\%_'OX0>%O"NH:E:^$O"5WJ+>(/$WPYN/!WQ%U
MV?0I](TJUL/"EIXCL[30?"/]MQZB!L=!\?\`XSV?P\\;?MJZMX+^*?P_\'_$
MWP-^R!\%M7TDZ[<Z%K5YI>NZ)XO_`&B=0CTX^&+S6[/=X@NO^$[\!6=@MZES
M##?_`!%\)S7.G:I!JEMINK@&A>_M!ZUHVH?%'P+I7QW\'_$34M.\'_LT_$J?
MQOHL7@%+GP%X-^-?Q0O?#/QE\7^%='TC[9I^F_"_P!\)Y?"GCW1[_P`8+XO;
M1[7Q98ZEXLUOQ'HU[:K(`>'^'OBAKO@OP_\`'BW^%7CCP_;:?KO[7^CR^+?C
MQK6@6?P.\"6_@GQ1^S!X/\1V/Q*F^(VN_"?Q?\.X/$'BSQSX0T*SU#Q-;>$-
M6TCQ->?$>SU72=,T.W^)/A6^M`/P/</BM\9O$WAV3X*IXD_:,T_X/ZWXS^%_
M@C5?C/HVD^#_``]::5\+=*U/QEX"L[WXX:9IWQ?\$R^)?"6GZMXXU:+X1PZ9
MXY@:.QC^)R>)[O3+=OAAXE%R`?1_[17_`!(?"OA7XLKQ_P`*(^(&A_%+4VF_
M>:=9>!/[.UOX?_&/7=2LH=MYJ?\`87P2\>_$C7[*RTU_MDVJZ#I2PV^I?-I6
MJ`'`?\5W\'OV3O[4N/\`BD?B;JG_`!6OCR3_`(D^HZ/\/?'?QN^)/_"8_%J\
M_MA_[4TKPS\/_"'B#Q_XLN/^$JU&V\96?AG0M`_MW4]-\8P:+<Z?KX!\WZ1\
M8_"7Q:T_]C?7O%?Q0^%]M\6+?]H_]H3X/V'CWP?XJ^'?B#Q#:1Z?\+_V@/AU
M8ZKX7UK4O#=MINL:AK\MS\#-9D:/PGIFC:UJ?BWP?<IX:M+/6='TE`#0TC]J
M#XCFS^'T&@>(O$'Q'^*Q_8@^*OB+QQ\+[+X;2Z_H5C^U9\+]"^%^M+X?\53^
M!/!UM?\`A/X@'5]?\6Z)X@\%3>(=,&GS7WA2P.E:3JOB/1CKH&Q]7_LO^+_&
M7C+P#J]_XO\`&G@_XB+8^,-0TSPSXW\%>((_&>E:_P"'DT7P_?227'CW1_A5
M\.O#'C?4+/Q+?^(M->_\'^%[73+2/2X-&O)KGQ#HNN3.!M\CZ0H`*`"@`H`*
M`"@#Y`_:DO?"L_C3]DSPGKGQ`_X5_JWB#]H#5IO#FHZ;XKT[PSXJBU&T^`7Q
MKTC2-2T!-1=X=8\KQMXE\$Z8^FWUCJFE:E<^)M-T35M/U&TU]M.U``\?TGQU
M\9/"OPQ_:V\53:7X?\.?%VT_:`^$V@^,+I+Z"S\$^'/M_P`%?V2/!OQ(^)ND
M:Y<6?BN/PS\/],\,W?B/QKIVM^)=(UK^Q=(M+34/%.@3'3]4T6@-O*QG^*?'
MO[3DGP[\":MX5\>:AKGBOXF_"_XR>!?A\OPUMOA;J/A[Q+\<O"WBVS\5_`_Q
M1IOB+XM?#/PI#KFG^(O@OX6^)VI^)/$BZ=H_@W6=,\-SZCX*T[3[K7/"ZZP!
ML?5_[/6H>+_%/A6Y^(^O^.O$'BKPQX^_LK4/A?IFM:;X)L_L7PXTK3H])\,>
M.YKSPKX1T*[O/$'Q+T^WA^(6H6>I6MBFB?\`"86?AZVTC3'T*[;40-O(^(/"
M_P`2/AQ;Z9\$_%WP?L_^%]_\*[^'_C/QG\(/@-KNB1:+^TU^SYH4G[/OC+4?
M#^DF_P#":RZK+\']9\/Z/X*^']A;^)O"GB6;6]4^)GA/Q-'XU\2Y\-PWP&WR
M./\``?Q!\)0R6MMX0_:5T^XUOQ3XP\0?$9?VA_A['\/-<TK2?!'Q8\9:K\5O
M$7[-7@?X$>*]"\;>)?`?QP\;>.-?U4Z9X$OK+4/$OB&/P;;:U_PD?B!OATOP
MQT0`^D/'>D?\+>_::^/_`,%M"^*?P_T'3_$W[,'P>\'?%CPM+HO_``E'Q'NO
M"NK>*/VA;;Q%%X/N+/X@:3'X#\0:?X9^(>B7!U#6/#OBNV@?QWX6NY]/:WN(
M8-8`/8/VUO\`A%?^&1_VC?\`A,?^$?\`[(_X4_XX^Q_\)+_9W]G?\)5_8EU_
MP@OV;^U/W/\`PD'_``FW_"/?V3L_TG^U?[.^Q_Z7Y%`'S_\`M$^+/"LO_#4/
MD^)?#\G_``OO]B#P1X3^!?EZSIS_`/"Z/%4__#4OD>&OA-MN3_PL;Q!)_P`+
M!\!;-.\/_P!H7+?\)OH&(S_;%E]I`V\C0\<:MI5KXR^,WPYN-3T^W^(7C?\`
M;/\`V2OB%X+\!S7EM%XR\7^`?"D?[&\OBGQQX7\+O(-2U_P?H\7PZ^(+W^LV
M-M/96:^!/$)N)XQHM\;8`]@_:1^(7@'P!X\_90O/'?CCP?X)M$^.'BS5FNO%
MOB71?#=LNE67[-OQXT*\U-I]8O;=%T^#6_%7AC3Y;@MY<=UXDTNW9A-J%NDP
M!X_\4OBA<Z%X-_;$_:"^"_Q`\'Z)X-C^!_@&X\%_$TII6O\`P[\2_&WPI)\4
M[/Q3=^&T?5[/2/&?C"]\.WWP9\%6_B2)]7L9-7TG1?#\Z:S<^"K[PW:`;>1T
M&MWOQFUGXH6/@?P3\>?&%SX4^,.H>&_C#\.?B+X=L/V?]4TKPC\$M#T_7'^*
M?AOP_8W?PPOT\9:>NM^(/A!I^G^(=0OYKZ2/XS>%K^RBU2U^'OC%O&(&WD?/
M^O\`[5GC?5?A5X3?0OVAO!]_XKU/QA^U?HLVL_!VQ^&E[\0_&NN?#KXKQ>%_
MA)HOP?\`AUX_M]=\'^.]/?POXU\%ZK+\/9_&.B^-_$.D:EX>OO#7B#6KI;Z#
MQ$`?2'C+XM^+]*^,NMZ#!\1?[(\3:3\8/@]X*\`?L_?9/!/_`!=;X0>,H/A.
MWQ)^+W]BZAH$WC[7_P#A&D\9?&";^W?"^O:;X?T__A3>=2LITT+Q$NI@'8?L
MB_$#Q-\4O!'BWQIXE^,?@_XM21?%#XH>"K!OA]HOA[1/"6AZ5X*^)?C.QT"X
MACTO6M<OI]0UKPI=^'-2MWO=;N(SX=D\(M'%<WSZGXC\7@;'U?0`4`%`!0`4
M`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!
M0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`
M%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0
M`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%
M`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`'E^F?&[X+ZSXRD^'.C?%[
MX7ZK\0H-0U;29O`>F>/_``I?>,H=5T".]EUW3)/"]KJSZE'J&G1:=J#W=NUL
M)+9;"X,RH('*@'J%`!0!Q_C7XA>`?AII5OKOQ&\<>#_`&B7>H1:3:ZQXU\2Z
M+X5TJYU6>VN[R#3+?4-=O;6WFU"2TL+Z=+=)#(T=E.X4K"Y4`/!7Q"\`_$K2
MKC7?ASXX\'^/M$M-0ETFZUCP5XET7Q5I5MJL%M:7D^F7&H:%>W5O#J$=I?V,
M[V[R"18[R!RH69"P!V%`!0!GZMJVE:!I6IZ[KNIZ?HNB:+I][JVL:QJUY;:=
MI6DZ5IUM)>:AJ>IZA>21V]AI]K:0S3S7$\B1Q1Q.[LJJ2`#G],^(7@'6?!LG
MQ%T;QQX/U7X>P:?JVK3>.],\2Z+?>#8=*T"2]BUW4Y/$]K>OIL>GZ=+IVH)=
MW#7(CMFL+@3,A@?:`:'A;Q9X5\<:%8^*/!7B7P_XO\,:I]J_LSQ%X6UG3O$&
MA:C]BO+C3KW[#J^DW,]I=^1J%I=VTOE2OY<UM+$^'C90`:&IZMI6B6T=YK&I
MZ?I%I-J&DZ3#=:G>6UA;2ZKK^JV6A:%ID<]U)&CZAJ6MZEI^GVENK&2YNK^W
MMX5>:=$8`T*`"@#Q_4OVA/@%HW]O_P!K_'#X/Z3_`,(GX@A\)^*?[2^)?@NQ
M_P"$:\57/]M_9_#6O_:=:3^QO$$O_"-^(]FG7?DW+?V!J6V,_89_*`/8*`,_
M3-6TK6;:2\T;4]/U6T@U#5M)FNM,O+:^MH=5T#5;W0M=TR2>UD=(]0T[6].U
M#3[NW9A);75A<6\RI-`Z*`:%`!0`4`%`!0`4`%`!0`4`%`'/^*?%GA7P+H5]
MXH\:^)?#_@[PQI?V7^TO$7BG6=.\/:%IWVZ\M].L_MVKZM<V]I9_:-0N[2VB
M\V5/,FNHHDR\BJP!GWGQ"\`Z;XRTGX<ZAXX\'V'Q"U_3Y-6T+P'>>)=%M?&6
MM:5#'J<LVIZ3X7GO5U+4=/2+1=8=KBWMI(U72;TE@+64H`=A0`4`>?\`B/XL
M?"SP=KJ>%O%OQ+^'_A7Q-)X?U'Q9'X<\1^,O#NAZ[)X5TBSU?4=6\2II&IZE
M!=OX?LM/\/Z]=7&HB(VT$.B7\LLBI9S-&`:'B3XA>`?!FJ^&-"\7>./!_A36
M_&NH'2?!FC>)/$NBZ%JOBW51<Z?9G3/#&GZG>P7&O:@+O5M*@-O8QSR>9J=H
MFW=<1AP#/\=?%CX6?"[^R_\`A9?Q+^'_`,.O[<^W?V)_PG7C+P[X1_MC^S/L
MG]I?V7_;^I6G]H?9?[0L//\`(\SROMUOYFWSDW`'8:3JVE:]I6F:[H6IZ?K6
MB:UI]EJVC:QI-Y;:CI6K:5J-M'>:?J>F:A9R26]_I]U:30SPW$$CQRQRHZ,R
ML"0#G]6^(7@'0/#.I^--=\<>#]%\&Z+J%[I.L>+-6\2Z+IWAG2=5T[Q#)X1U
M#3-3UZ\O8[&PU"U\5PS:+-;SSI)%J,3V3JMRIB`!GZ_\6/A9X3\*Z)XZ\4_$
MOX?^&O!/B7^S?^$<\8Z_XR\.Z-X5U_\`MG3IM8TC^Q/$.HZE#8:K]NTBVN+V
MV^RW$OGVT$D\6Z)&8`'0>*?%GA7P+H5]XH\:^)?#_@[PQI?V7^TO$7BG6=.\
M/:%IWVZ\M].L_MVKZM<V]I9_:-0N[2VB\V5/,FNHHDR\BJP!S_@7XL?"SXG_
M`-J?\*S^)?P_^(?]A?8?[;_X07QEX=\6_P!C_P!I_;/[-_M3^P-2NO[/^U_V
M??\`D>?Y?F_8KCR]WDOM`.PTS5M*UFVDO-&U/3]5M(-0U;29KK3+RVOK:'5=
M`U6]T+7=,DGM9'2/4-.UO3M0T^[MV826UU87%O,J30.B@!%JVE2ZK>:%#J>G
MR:WINGZ9JVH:-%>6SZKI^E:U<ZM9Z-J=YIZR&XM=/O[O0==@MKB6-8YY-%OT
MB9VM)A&`:%`!0`4`%`!0`4`%`!0`4`?`'@C2?^%Q?&K]I[P_I/Q3^'\_@+PE
M^T_\(?&/BWP;H.B_VU\1QXJ^&7PQ_9YUS091XTMOB`=.\,^'W^(WPJDT._T^
M\\%7]S*_@[Q9IT.H6E^#+H0!T'@WXM^+]2^,NB:#/\1?[5\3:K\8/C#X*\?_
M`+/WV3P2/^%4_"#P=!\6&^&_Q>_L73M`A\?:!_PDJ>#?@_-_;OBC7M2\/ZA_
MPN3.FV4":]X=73`#Y/G^+'BOXM?!GQ'XQ\5?M":A%X:T3XH?L2>*=4\;>"8/
M@O<?!+PMJ'B#]H#2[[Q-#X%\?:_\/[;7=+T_P[I6I^"-<U'P7\5/#=AXH\(7
MWA+1%UK4_$N@^(IYM>`_`^H/VE?C!'=_!G^T]7TK4/@9:?\`"\/V7F\!^-?C
MDG@W2/#WB:2/]H#P%XJ_MZ+P;:?$NT\3V>GZ1X:\,WOB+5M!\50^!M9M],M;
ML7,5A-I^I-I`&WD<_IGC[6HOAW)\5=`^/W@_QG+\,OBAJWQ$_:5\0_`'PQX!
ME^&GQ*^%6H>+;VSB_M3Q3?\`A'Q++9^,/AY\!_#OA+4-0T#0-=UKQ6VA^%H=
M!ENKN^\4^%?$\(!S_CWQK^U1\*/!OP<L=4^(VGKXR\::?X^\<>(-3^+$O@O2
M;;1_'-G)X`;X:_LQ6EQ\(O@5KUO\6]0NK3Q#XK@F\/\`@_0]#\8>.;KP9J^H
M>$]>\/6T`T5``UC]I76O"_C+XU>(?$7[2_PO/AKX6?M7_"7X0Z5X`M;3P#X=
MT5/!OQ,C^%.F^+X/'NLZKK>J:[=ZAX4TK4?BG?VEUIFI>&VM]?\`A?XXO=8%
M_H-C_P`(OX1`V^1[!^R7XF\/>&OAM\7-.USXFZAXB;X=?'#]I74_'7B7QC#X
M9T?2O!ULOQT^*MQ=1ZSXC\.>%M`\/6.H3:;H\WC35K">1KK3(_&]M?/#IOA[
M6/#UK&`?'_P$U;2K/X%_"/X01:GIZ_"?XG>#_P!GCXN^(?%Z7EM'\._!7@'P
M5\-I;_\`:H\":UIJR?V/=^#YO'?[/KZ)\0+JYU#3[*WU?]LLIXCL9+RY,'C0
M#;R.@U;]H+Q-\*_V)OV5O%WPS\:^#]+M-&_9PL]>O-2U[6?#VD^#?$_BWX3?
M#[P?8K\'KGQ?J&@^)$U/QAJ>M_\`"26(^&^CV/ASQ%KS>%->^P^-O"<WA&\M
M]?`,_P"*'QPT?QMIWQ=\6:Q\?/@!\0_#_P`)/VO_`-F.+X%Z''J/@3PKX5TK
M^T_%7P#\;0>(=5^)*WOBW58?L?A^V^+6C2^(=)AC\JVT[XLWMU9ZAI\-EH?@
M4#;Y'H'C3X^?%BTT+P3)\._B[X?U/5K[Q!\7+?X@WWQ(A\->#[/PA\>/A[>?
M#[1-._91L_#7P\^%_P`0[_Q!]MU?6/&]Q8_#O1K_`%?Q[XGL-!%SX8^)5]:6
M\5]K@!]`?`34+/3?CW^V%X3N?'7B#Q-X@NOC!X?\4_\`"-WVFZ$]GX5T*?X#
M_`PZ??7&H>&?"-A_9'V_^UU\/Z7#KVHR3:K8?"^:>PCO-0T7Q7JEX`<_XT\+
M:ZW[00^&5K8^9X(^,7Q`^%7[2FO:LUU9KKMI>?`+3+"S\6C1)&N%AM/#^G^-
MOA?^Q;I\UE=Z?=W]Y#\7/&$FGSR16LMSX*`V\C/\6?M!>)O!_P"USX.^'>L>
M-?!^B>!_%7C"R^&L/@OQ9K/A[POXAO8]8^$.L^/="\>>#O"UUH,VM^+]/U#X
MD6.G^!X/&Z^,]/T:34[C4?!L/@6;7--3Q5J`!X_\#?B?X2\)Z9IEGX2^+>G^
M%_@/J^H?MS>"=)M/ASI_P[UKP]X:^*%I^U&-=^".E?#"#3/!VL7.J?%#7?A;
MX[U[4/#?@.%=<M]>TS1-+N-(\,WD<4SWP&QH>`?VB?CCXRO/V4)X?$GA_3-,
M\:_!_P"`7B/Q!'XVTW5O"&N_&/Q?XQUW6_#WQU3PGX`M/@WJ>J^/?^$7\/Z%
M8>);2[\(ZOX!T3P[#XOTSQ3X@O-;\$ZE;"S`/T_H`*`"@`H`*`"@`H`*`"@#
MYO\`VP]6TK1/V4/VD;S6-3T_2+2;X'_$[28;K4[RVL+:75=?\'ZOH6A:9'/=
M21H^H:EK>I:?I]I;JQDN;J_M[>%7FG1&`/,/`SZ[;_M-?#+3)-7_`.$S^':?
M`#X[ZY\&?B.OB.S\62^)OAQXC\4?LAWEEI6M^)?[1DO_`!-X@T75X=62'7;B
MWG34_#>J>#[NYUO7_$4OB*\C`_`\?^'_`,:OV@M<^$_BCXF>,/'WA_2_^%=^
M(/@?\2_B/I/@_P#LSQ->>`?"[^);B\_:E^$'CV+5?@KHEMX4_P"$-^&5O>Z@
MGP]T[4/%/Q-T&_TM8]6\3ZK_`&[HEMJ8&WR/8/V;]0^/?BCQ5K%M\1O'7Q`M
MM/\`A7X@\;Z?XM\/^+--^`\NL>(M=\9ZC)JOPS\">);KX9>$8;+2/^$,^!A^
M&?C.]O/"^H7<.M:[\<9K-M7BM_!MWH-`?@>7_M`^)/A'-??M)^$/[;T^ZU2^
MU#3K#X@_LW?%#0[&7PS^T]XR@^$?PW\1:3IWP$UVWOM-\3Q?'"\\-I\)?"EC
M<^&M9UI?#>HPZ7J<G@.?5M=T;6=7`//_`!S\6?#U[\:/BCXJ\3>)]/MO%=EJ
M'_"EM/\`@>GB+PSX"\3?"_6O@UXK\<Z[\'_VF/'^E_$S2M2?XE_"^#1/B+JG
MQ4;Q?I7AK6-`\"Z<^DZU/X1\;77@^7Q+X.`/8/'GB^Y@T/\`8<L+/]H7P?XC
M^(6O_'#71H'Q8^)_@W2M.TKXA7*_!+X[^%+_`,2:#\-O#&O>`TUGP?J>M^*_
M#^B^'+O0]4:UNH_&'@^Z@U3Q`-8M;KQ``?9_PQ\"_P#"N?"$/AR35/[:U"Y\
M0>-O&.O:HEC_`&79WGBKXC^-O$/Q#\6RZ1I+7=Y)H_A__A)O%.K+IVGW%_J=
MS:6"6EO<ZAJ%Q#+>W0&WR/@#X8^+/A9I'PX^`WBGPUXE^'^F?"+X6_MO_M4_
MVWXBT+6?#EE\./AUX5UJ+]L33O`W]JZO87*:+X1\/W\'C_X<6ND_:);2VG3Q
MMX;BL]XUBP6X`.@^'7BSPK\/_%GPK^)7COQ+X?\`!/PXUG_AX9_8_C_Q;K.G
M>&_!.J_\+1_:]\!?$'X9_P!F^*M8N;?3+[_A+O`6DZKXET+R+I_[7TC3+O4M
M/^T65O),@&WE8Z#Q3_Q0O_!+Z^T[QK_Q1VH:7^Q!:^$]2L/%/_%/7FG>*K[X
M)6_A:S\-7UKJWV>2S\07'B:[M-(BTZ54N9+^ZBLTC-Q(L;`'J%]\0O`'Q?\`
MBK\#+[X)^./!_P`1KOP-XP\77_Q)UOX<^)=%\2VWAOX7ZY\*/'ND/H?BKQ#X
M?O9[:RT_7/BDWPJO+;PS=70N-7NO!D6L6MA=0^"+Z]T,`^;]'^,OQ=\0?#/2
MOC#X;^-W_"T;:R^('[0/P+\2>&?A0GP3\.>%=2\=ZK\0OB-X3_9G\4Z-K/B+
MPEXWO_#?]IZOJ?P>\/6.FWFI:S9_9OB%X.\6:Y>76B:)XCD\9`&AK_QJ^(?P
MGU#XX?"_Q-^U)\+_`!1XR\`_"_\`9COK'Q3XYL?"7PTN?#FM?$WXH>*/!WQ0
MUSQ*G@_PUXHM_#NH+::YX"FTG4M2\)7^@>&K7Q/X!E\2:;J=M)J^M^+0#H-.
M^,&OS>"/@O<>.OCWXP^$'@3QGI_QSUV^^.GCO2?V>?!7B;4M5\-_$O0=-^#W
M@:ZURZTCQ5\)M0T_Q!\.O$'BK6-/U+PS:>9XMT_X?6/B71;BTTV35+2X`_`Z
M#X$?%_XH?$GXVIX8\=?$CP?X<N]'_9P_9^^*OB7X":%X3T_0_&6@>/O'FA^-
M+?X@^'?%+^)?$&K^(=/T_1M2O/#&J7E@;+3+VV76_AY`]Q9PKJ[?$4`^[Z`"
M@`H`\_\`BEI_CO5/`FNV'PSU/^QO&T_]F?V)J/\`;NC^&OLWEZQI\VI?\3K7
M_A;\1K"R\S28[^+]_P"#=8\SS?*C^QRRIJ%B`>?_``+\/?';0?\`A*?^%U>)
MO^$B^U?V)_PC/_%<^#O&GV/R/[7_`+9_Y%/]ESX.?V;YWG:5_P`?7_"1^=Y'
M[K^SO(D_M0#8^@*`"@#Y_P#^$<_:G_Z+)\`/_$:?B+_]%C0`?\(Y^U/_`-%D
M^`'_`(C3\1?_`*+&@`_X1S]J?_HLGP`_\1I^(O\`]%C0`?\`".?M3_\`19/@
M!_XC3\1?_HL:`#_A'/VI_P#HLGP`_P#$:?B+_P#18T`'_".?M3_]%D^`'_B-
M/Q%_^BQH`/\`A'/VI_\`HLGP`_\`$:?B+_\`18T`'_".?M3_`/19/@!_XC3\
M1?\`Z+&@`_X1S]J?_HLGP`_\1I^(O_T6-`!_PCG[4_\`T63X`?\`B-/Q%_\`
MHL:`#_A'/VI_^BR?`#_Q&GXB_P#T6-`!_P`(Y^U/_P!%D^`'_B-/Q%_^BQH`
M/^$<_:G_`.BR?`#_`,1I^(O_`-%C0`?\(Y^U/_T63X`?^(T_$7_Z+&@`_P"$
M<_:G_P"BR?`#_P`1I^(O_P!%C0`?\(Y^U/\`]%D^`'_B-/Q%_P#HL:`#_A'/
MVI_^BR?`#_Q&GXB__18T`=AX*TGXT6&JW$WQ&\??"_Q5HC:?+':Z=X*^$/BO
MP!JL.JFYM&@O+C6-=^-_C&WN=/2T2^B>R33()'DN()1=QK;O#=`'J%`!0`4`
M%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0
M`4`%`'YP>&?@A_;O[0_Q\UCP=\-?@_X3_L+]I_X<>*+OXVV4O]F?&31/L/PE
M_9V^)'CKP7X<T32_AVOVSP_X[^U>(=)UN]?QYI7GQ_%+Q5=7FF:EF>UU\#\#
MH!^T'^T=)X$TG5O^$#^'\_C;QY^T!\2?@9X*\->!5NO&_P#8W_"JM8^/%UXC
M\4ZHWC[QW\*[#Q9]HTGX1?V+!IO]N>$?+^RW'BC[9<2ZO#X'T8#;R/H_P-\2
M?#/QC\/6'AKQ%X/U#[7XN^%^A>)/%V@7GA3Q#XQ^$=SI7C7PSH=[JOAC2?C(
M/"R_#KXKZ>;?Q.MDQT+5]0CU"".]D6W\FWNUM@#X0_92^'?BKPQ\+/`7C/P;
M\*/V8/@Y\3?$7[,'P@\/?`GXB27&HZG_`,+F\5>+/#MYX^^(^C_%G3/#L?@K
M5;_Q!=>'_AAX+UET@LO$5SH7VS7]4L=9\0P+J^FQ@'L%O^T3\<9?`GB_XH6&
MB>']8\,6W_"D/AGX-\+7?POU;P/\0KWXX_$W6/AGX/\`&DE[;ZY\<+SP_=>'
M_!GC#QW=:/=>&)=<T2[7Q-H'B?P;JGB/1G\'2^)/$`!T&@_&3]H[QGXE^%O@
MC3/#WP?\#:AXO^'_`,;]6\5>(_$>H77CV\\/^*O@E\6/!WPZU()X!^'/C2;1
M4^VP>(+,W'AI/BC?W.CW_B:_M+O69KCX?R6WCX#;R#X&?%WQ5\0OC)_PE7B#
MQ5X?\/\`@GXI_LP?LN>.O`OPJN3J+:CI7BKXC0?'/Q;>:7HVNWOBF*P\1>((
M-(\%^,;G4[G3_"FGW.J:5I6A%H;.+P9=3ZX`<?+J6J_!76OVJ/&/P;^'/PON
M/%?B?]L_X!>"O$']O3W/@FVO]*^)7@']F32KNXN=5\*^%=3O+_4)/&7Q4U^^
M#W,31V=UXUU[Q`T6J723Z1XA`/4/^%Q?%/[5_P`*P^T_#_\`X6;_`,-`?\*,
M_P"%B?\`"'^(O^$$_P"3<?\`AI[_`(2G_A5?_"P?[5_Y%_\`XH_^S?\`A/\`
M_C\_XJ#[9Y'_`!3]`'R?\+?VC_$W@3X,^$=$^#FB^#_B7=VWC#]M3XA>.;FR
M^*WA[QUX>T3PS\,OV@)=7OM&U;XN?$OXC>"'M=/UK1/B]X6U9?B?K<NO:C!I
MDMGKMQX,UR'77ETP`^T/$_Q"^*>F?M!>&_A;IGB3X/P>&/%7_"/^*+3^UM!\
M12^+]'\*Z/IGB_\`X37P7??9_'=M:7WQ`\7:AI-GJ?@F]2TM+;^Q/`?Q:NKO
M3-1?P"G]M@'G_P"U5H'A7PAXO\$?'[4_A!X?^+FH:7\/_C-\&;KPW?>&M.NK
MS6/^$[\$WWBCP5IUQX@N-"U>3_B>>)_!E[\)]+T5[";[??\`[3,UG:&2XU%]
M'\2@?@=!>:9KO[+?P"^"?P>^$.G^']<\80?\([\+O#RP^$;./_A*-=TGP7XC
M\9^,?$NF^!Y?'?A#1;WQ!K$'A#Q5KU[!KGQ&\*0K]MU74!J^L:Q;V>A>*@/P
M/#_B1\6/$,MM\-OVI_`]II_A_P`9:E_P3P^/7QAL_#?BV\\3>-?!MA;:-JO[
M+GQ,;PVVAZ?XB\-VXU"YM-8U?2)?$.GQZ7=3M_9=S?Q7UMHEGIL8&WD>H?$S
M]I_7?`WQ"^.7P\T&\^'_`(U\3>%/#_[-EQ\._!&C?8X?'>G:[\<_B9=?";6K
M7Q9INJ_$>QM/%?\`86H:K\/?$L=K]I\`PR6?CS1M,O\`5-.35;7Q`P!]'_!O
MQ?XF\<?#O1]?\9Z+I_A[Q6NH>*=`\0:5IFJ^'M6MH-5\'^+==\(7<TG_``BO
MBKQ-INB:A=2Z&;J[\/0^)/$$F@W5U<:)=:I?W6E3W4X&WE8]0H`*`"@`H`*`
M"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H
M`*`"@#C_``W\/?`/@S5?$^N^$/`_@_PIK?C74!JWC/6/#?AG1="U7Q;JHN=0
MO!J?B?4-,LH+C7M0%WJVJSBXOI)Y/,U.[?=NN)"X&WD<_9?!#X+Z;X-U;X<Z
M=\(?A?8?#W7]0CU;7?`=EX`\*6O@W6M5ADTR6'4]6\+P:2NFZCJ"2Z+H[K<7
M%M)(K:39D,#:Q%`#T#5M)TK7M*U/0M=TS3]:T36M/O=)UC1M6LK;4=*U;2M1
MMI+/4-,U/3[R.2WO]/NK2::":WGC>.6.5T=65B"`>?\`@KX(?!?X::K<:[\.
M?A#\+_`&MW>GRZ3=:QX*\`>%/"NJW.E3W-I>3Z9<:AH6DVMQ-I\EW86,[V[R
M&-I+*!RI:%"H!V#^$_"KZ%J_A:3PUX??PQK_`/PD?]O>''T;3FT+6_\`A,+S
M4=1\6_VOI#6WV34O[;U#6-6NM1^T12?;IM4NY;GS7N96<#;RL<?>?!#X+ZA<
MZ3>:A\(?A??7>@>#Y/A[H5U>>`/"ES<Z+X!GTK4]"F\#Z3//I+/IO@^31-:U
MC3VT:W:.R:UU:]MS`8;J5'`-#PM\)_A9X%O+'4?!7PT^'_@[4-+\/W7A/3+[
MPMX-\.^'KS3O"M]KMQXIO?#5C<Z3IMO)9^'[CQ/=W>KRZ=$R6TE_=2WCQFXD
M:1@-O*QS^I?L]?`+6/[?_M?X'_!_5/\`A*_$$/BSQ3_:7PT\%WW_``DGBJW_
M`+;^S^)=?^TZ*_\`;'B"+_A)?$>S4;OSKE?[?U+;(/MT_F@;>1H2_!#X+SVW
MC6SG^$/POFM/B3J%IJWQ%M)?`'A22V\?:K8ZK<:[8ZGXU@?22GBK4+?6[NZU
M"*XU-;J2.ZN9;A&$TC.0-O(Z"\^'O@'4+;2;/4/`_@^^M-`\82?$+0K2\\,Z
M+<VVB^/I]5U/79O'&DP3V3)IOC"36]:UC4&UFW6.]:ZU:]N#.9KJ5W`,^^^$
M_P`+-3UVX\4ZG\-/A_J'B:Z\0>%O%EUXCOO!OAV[UVY\5>![.ZT[P5XEN-7N
M-->[F\0>']/O;VUTO47E-SI\-W-%:20I*ZL!MY'8:GI.E:S;1V>L:9I^JVD&
MH:3JT-IJ=E;7UM#JN@:K9:[H6IQP74;I'J&G:WIVGZA:7"J)+:ZL+>XA9)H$
M=0#/\4^$_"OCC0K[PMXU\->'_%_AC5/LO]I>'/%.C:=X@T+4?L5Y;ZC9_;M(
MU:VGM+OR-0M+2ZB\V)_+FMHI4P\:L`#C]"^"'P7\+ZKX:UWPU\(?A?X=UOP9
MI]]I/@_6-"\`>%-(U7PII6IW.MWFI:9X:U"PTF*XT+3[N[\2^(YY[>RD@CED
M\0:D\BLU].90-O*QH:1\)_A9X>T+4?"V@?#3X?Z'X8U?P^_A/5O#FD>#?#NF
M:%JGA66\\1ZC)X:U'2++38[2]\/OJ'C#Q;=-ITT3VQF\4ZO*8]^I7+3`'8:3
MI.E:!I6F:%H6F:?HNB:+I]EI.C:-I-E;:=I6DZ5IUM'9Z?IFF:?9QQV]AI]K
B:0PP0V\$:1Q1Q(B*JJ``#0H`*`"@`H`*`"@`H`*`"@#_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>a-38.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a-38.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`#,!KP,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`"@`H`*`"@#P_2?VF_P!FW7M5TS0M"_:#^!^M:WK6H66DZ-HVD_%C
MP'J.JZMJNHW,=GI^F:9I]GK\EQ?ZA=7<T,$-O!&\DLDJ(BLS`$`[#_A;'PL_
MX3O_`(5;_P`++^'_`/PLW_HG/_"9>'?^$[_Y`_\`PD7_`"*/]I?VK_R+_P#Q
M,_\`CT_X\_\`2O\`4?/0!GZ9\;O@OK/C*3X<Z-\7OA?JOQ"@U#5M)F\!Z9X_
M\*7WC*'5=`CO9==TR3PO:ZL^I1ZAIT6G:@]W;M;"2V6PN#,J"!RH!G^%OVA/
M@%XXUVQ\+>"OCA\'_%_B;5/M7]F>'/"WQ+\%^(-=U'[%9W&HWOV'2-)UJ>[N
M_(T^TN[J7RHG\N&VEE?"1LP`.P\%?$+P#\2M*N-=^'/CCP?X^T2TU"72;K6/
M!7B71?%6E6VJP6UI>3Z9<:AH5[=6\.H1VE_8SO;O()%CO('*A9D+`&?I'Q8^
M%FOZ[J/A;0/B7\/];\3:/X@?PGJWAS2/&7AW4M=TOQ5%9^(]1D\-:CI%EJ4E
MW9>($T_P?XMNFTZ:)+D0^%]7E,>S3;EH0#T"@`H`*`.?\4^+/"O@70K[Q1XU
M\2^'_!WAC2_LO]I>(O%.LZ=X>T+3OMUY;Z=9_;M7U:YM[2S^T:A=VEM%YLJ>
M9-=11)EY%5@#/U/XA>`=$\&Q_$76/''@_2/A[-I^DZM#X[U/Q+HMAX-ETK7Y
M+*+0M3C\3W5['IKZ?J4NI:>EI<+<F.Y:_MQ"SF=-P!T&DZMI6O:5IFNZ%J>G
MZUHFM:?9:MHVL:3>6VHZ5JVE:C;1WFGZGIFH6<DEO?Z?=6DT,\-Q!(\<L<J.
MC,K`D`S_`/A+/"O_``E7_""_\)+X?_X3;_A'_P#A+/\`A#O[9T[_`(2K_A%?
M[1_L?_A)?^$>^T_;_P#A'_[7_P!!_M'[/]F^T_N/,\WY:`.@H`X_QK\0O`/P
MTTJWUWXC>./!_@#1+O4(M)M=8\:^)=%\*Z5<ZK/;7=Y!IEOJ&NWMK;S:A):6
M%].ENDAD:.RG<*5A<J`'AOXA>`?&&J^)]"\(>./!_BG6_!&H#2?&>C>&_$NB
MZWJOA'56N=0LQIGB?3],O9KC0-0-WI.JP"WOHX)/,TV[3;NMY`@!H:=XL\*Z
MMKOB/PMI/B7P_J?B;P?_`&1_PEOAS3M9TZ]UWPM_PD%F^HZ#_P`)'I%M<O=Z
M)_:6GQR75G]LBA^TPQM+#O12P`.@H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M/'_%/[0GP"\"Z[?>%O&OQP^#_@[Q-I?V7^TO#GBGXE^"_#VNZ=]NL[?4;/[=
MI&K:U;W=G]HT^[M+J+S8D\R&ZBE3*2*S`&AXD^-WP7\&:5X8UWQ=\7OA?X4T
M3QKIYU;P9K'B3Q_X4T+2O%NE"VT^\.I^&-0U/5H+?7M/%IJVE3FXL9)X_+U.
MT?=MN(RX`>-?C=\%_AIJMOH7Q&^+WPO\`:W=Z?%JUKHWC7Q_X4\*ZK<Z5/<W
M=G!J=OI^NZM:W$VGR7=A?0)<)&8VDLIT#%H7"@&?XI_:$^`7@77;[PMXU^.'
MP?\`!WB;2_LO]I>'/%/Q+\%^'M=T[[=9V^HV?V[2-6UJWN[/[1I]W:747FQ)
MYD-U%*F4D5F`.PLOB%X!U#QEJWPYT[QQX/O?B%H&GQZMKO@.R\2Z+<^,M%TJ
M>/3)8=3U;PO!>MJ6FZ?)%K6CNMQ<6T<;+JUF0Q%U$7`#PW\0O`/C#5?$^A>$
M/''@_P`4ZWX(U`:3XST;PWXET76]5\(ZJUSJ%F-,\3Z?IE[-<:!J!N])U6`6
M]]'!)YFFW:;=UO($`-#Q3XL\*^!="OO%'C7Q+X?\'>&-+^R_VEXB\4ZSIWA[
M0M.^W7EOIUG]NU?5KFWM+/[1J%W:6T7FRIYDUU%$F7D56`.@H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`^0/"'_"K)OVI_BO\+=/_P"%?R_\(C\`/V5?
M[-^'-G_PCK_\(Q_PKOXB_'?Q%HOV'PC#G^Q?^$9_X2'X::G:^5:0_P!F?VYX
M8NHO(^VZ>\@!X_\`\)9X5_X9'_X9Y_X27P__`,-8?\*?_L#_`(59_;.G?\+D
M_P"&G_[$_M;_`(3?^Q?M/]L?\)!_PN3_`(K_`/X69C^S_+_XN'_;O]C_`/%0
M4`=!X(TG_A<7QJ_:>\/Z3\4_A_/X"\)?M/\`PA\8^+?!N@Z+_;7Q''BKX9?#
M']GG7-!E'C2V^(!T[PSX??XC?"J30[_3[SP5?W,K^#O%FG0ZA:7X,NA`'C_A
MSXH>"?'_`(+B^'OP"^*GP_?]JK6_C!^V9JOP<UW1OB!X0B_X1+0M6^/OQ-\5
MZIK7BQY-(\41^(?A_KOAF;PUJ<?A+_A'-?F\0^5HVNZ;:6,7A5_&?@8`^H-&
M\3>%?BM^R/\`$F']E'5/,U:7X?\`Q7\)^%H=`\::=/XJT+XRW&B:X]Q;:WX]
MM?%%]#<_$";QMJL6K7/B]_$FH1ZQ<ZS'XGAUS4K368-8O@#0L]2_9Y^*FM?#
MC0?AI%I][XR^%6G^);+PCK'PYTG0-/\`$/[*]MJG@'6/`]S#XJT'7K)+?X:Z
M@UI<PZ#;?#SQ-H-U=3ZGI<4L_A6>V\#:M=^&`#X?E_:U\5Z=HNGVFL?M7>#_
M``C\2+;P?^P;J/B'PYXTA^"ZVWA?XE^,?'WB/X;_`+5'@CQAX/72="UVWT_1
M=*M-/\4>)]!76-%USP[=0-Y.JZ!I<QLU`.P\0_&;XNZ)JWQ:T#PU^U#X?\4:
M%\._V@-&^$VN^*/&6I_!/P'>?#3PKJ_P.TSQ]?\`B_XC_$W0_@WXB\,^%?\`
MB\WAV^^&^B/J7PW%L;_6/%7A^^?4-?O-#O\`P$!^!T&I_M+>._"7Q"O9_%7Q
MS^']E;>&/A_^Q1XQ^)?POO\`1-'\.Z=X4UCXT_$Q?A9\9)8'\66>A^.?`WP_
MT+PMXC\.^,IM/\:P/KNFZKXA\&W&H:AIFB27OAOQ,`"ZGH_AK]@?]LZUUKXI
M?\)1/I'B#]NKPGJNH^*=0\"6%YHOBK6/B)\4=(T;PU?1^%="T.TLO$'B74-9
MT/6XM.N;47-Q?_$6*/38X=,O-'TZS`//_CX]G+\'_CU\,KC5_#[?L^?#3X/_
M`!:^,_P[U9/$>A3:%K^A?%GX?V-G^RKX8$BZB^AZQ\/XOBMXE^/NG^"=!TG3
M[>;29OV?_A'):M;M!I-SXP`V^1[!\0OVHI=!^/>@Z)>?''X?^!?@WXYQX4T_
M6=6\6_#CP[>67AKQ%\!]=^)WAOX[_#RQ\3^%]7A\:>'Y?&UKIGAVR^(M_P"*
MAX3FOS?>$V\`7NI:</%&J`'@$?QV\1:EIW[*OCW6OVC?#]QXV\6_LP?$SX@?
M$KQEX2MOA9'XJ^'?@2'Q5^R[K7Q&3P)\-+_3=5L/%/B"TTGX2_%-=8MK^.\O
M([G0_B5K'A_2IY?"6E_#V,`Z_P`>_%?XH?%OX7_MIV=U\0O!X\"+\#_VC=6T
M31O!6K:?XC\3:#X9\):A>6?PGU.XT[_A4/\`9_@7P?\`%;X3Q7FMO<>)/&_B
MW4?%^G>((/$7P\;PYIMA>#3`-C[O^)V@:CXZ_9]E_P"$`UK_`(6;XFTSP_X)
M^)?POUQ]2\*BS^)?COX9ZGX>^*7PQN]7U/18=)\/R^'_`!1XP\*^'?[1ETG^
MP[.6PUB[_L^XTM'@N+,`^<-6\;^)M#^"^I_&3PUXKT_P#)^T?\<+WQN?'VK:
MCX>\)>"/#WPO;PI)X7^#GBO4_''C3PEXQT_X0Z?XK^$_PI^$<LUYXG\%^,+B
M?Q+X]?PV-)\/7WB:SN_!('X'C_A/]I2/XAZY%\5O"?Q5\'Z;XRE^!_\`P3Q\
M7_%W1O`NI>#=9TK3?#+_`!M^*]G^TIHWBC3M>37K[PGX/\&>%/B=)JFMWPN]
M.U'PW&FD76HZK;6TDPOP#0^%_P"TM\6/&7CWP/X=\-_&3X?^-_"VE_$#7_"Q
MU_5]9\--KOQCL_\`AI/XL>#=:L=.\+_"_P"#VIIX]\0>%_V?-"^%WBY9O"6I
M?#>P\.P^/=(\7>+Y-6\*:S&EF`?J_0`4`%`!0`4`%`!0!GR:MI4&JV6A2ZGI
M\.MZCI^IZMIVC27EM'JM]I6BW.DV>L:G9:>T@N+G3["[U_0H+FXBC:."36K!
M)61KR$2`''V/Q8^%FH_\)U_9OQ+^']__`,*N^U_\++^P^,O#MU_PKO\`L_\`
MM3[?_P`)UY&I-_PB/V;^P];\[^U?LGE_V/?;]OV2;RP#H/"WBSPKXXT*Q\4>
M"O$OA_Q?X8U3[5_9GB+PMK.G>(-"U'[%>7&G7OV'5])N9[2[\C4+2[MI?*E?
MRYK:6)\/&R@`Z"@`H`*`/E#XWZMX!\&?%K]E.*]U/P?X4UOQK^T?K>K3Q75Y
MHNA:KXMU4?LP_&'X=6NIRI-)!<:]J`N]6^'/AB.X83R>9J?AO2U;=<6,#@&?
MX;\6?"SX`?$#XP6/Q-\2_#_X/:?K_B#P+!\'7\8:SX<\#Z%>_!KPE\(/A]X<
MTSPCX"U'5+FTTY/#_AGXC0?$^9_".G3+)HDWBYM4GTZSM_&MA>:V!MY'S_X5
MN?%6C?%K]GKP%X6\<?#_`.&'C:\^'_[;&J>#/"/Q0\)ZCXBU&S^#7BK]H?X;
M^)?@MX7TGX76?Q'\#:WX.V_"GPO;MI6C74D$FBZ5\/=:T>71;670+N+1``UG
MQ?\`LR_`+QM\2OA'\0?'GA^Y\/\`@/\`9@_8Z^&.@>&]7\>>%]&^(^JZ[X)\
M7_'4^$H=.U!=:\._\(W\0+#^VOAWXA7Q)'=>&X?#;ZQI'B>XU'0M/ABU2T`/
MH#]FSQ)9V'BKXA_"_P")?B_P_P"(?VJM$^S:[\298?$^A>(]8U;X<7FHZC=_
M"@Z;<:-X?\-1VWA_P]X9U^PTN]TN#P?X*2'7=3U7Q')X>MXOB)8ZWXN`/G_Q
MU\<-'\'2_M0ZOX'^/GP_^'OB;2_VW_V?/#U[>:KJ/@37]"?3O$?PX_9O^&_C
M'1_&VB:S>P7;^'[+3_#_`,4[N^32-7\,:K!-\*==5-9L$T/5A&`>7_&;]H/6
MO$_P>_:3\'>+/COX/\%MX#^%_P`>?AKHMKKD7@&UD^/'C+0?'/[0?PO\3^$/
M$EI=?V?<W'Q0MOA=X0^#GB*"P\`W'A==.UGXT:;JVH:)J7A[6M%\.D`]0MOV
MA?'?B"+]H/Q!XB_:&^'_`,)/AQH_A_XBZQX?\8^'&T?XA:[\+=.\/?$?3=#^
M!7C%_!=U\(3IFG^'_B;X"FCURWTGQ'XT\9:K\1(?$-AJ/PV70;);F+3P-CZ_
M_9O\9:CXZ\":QKVO^-_^$I\6_P#"P/&^G^,_"V/"H_X4AXJT[6)+;5/@']H\
M+Z38_P!L_P#"#[(=,_X2#4OM=SXA_P"1AMKC^R-<TR"V`/H"@`H`*`"@`H`*
M`"@#Q_XUZ/\`%C6_"NGVGP<UW_A'O$T?B"UN+Z\_X2OPUX/\S0DT[58[FU_M
M/Q3\!/BW:3[M0ETM_LL?ANRF;R?,75($ADM-2`#X*:/\6-$\*ZA:?&+7?^$@
M\32>(+JXL;S_`(2OPUXP\O0GT[2H[6U_M/PM\!/A):0;=0BU1_LLGAN]F7SO
M,;5)TFCM--`/8*`,_5I-5ATK4YM"LM/U'6XM/O9-&T[5M3N=%TJ_U6.VD;3[
M+4]8L])U2?2=/FNQ#%->0:9J,D$;O*EI<L@AD`/#_P#A(_VI_P#HC?P`_P#$
MEOB+_P#0G4`'_"1_M3_]$;^`'_B2WQ%_^A.H`/\`A(_VI_\`HC?P`_\`$EOB
M+_\`0G4`9^K>.?VDM`TK4]=UWX7?LX:+HFBZ?>ZMK&L:M^U%X\T[2M)TK3K:
M2\U#4]3U"\_93CM[#3[6TAFGFN)Y$CBCB=W954D`'F'A;]JCQ5XXUVQ\+>"K
MS]B#Q?XFU3[5_9GASPM^W#J/B#7=1^Q6=QJ-[]ATC2?V:9[N[\C3[2[NI?*B
M?RX;:65\)&S``Z#0/CW\4_%?BK6_`OA;1OV0/$OC;PU_:7_"1^#M`_;(\1:S
MXJT#^QM1AT?5_P"V_#VG?LP37^E?8=6N;>QN?M5O%Y%S/'!+ME=5(!S^@?M4
M>*O%?]M_\(M>?L0>)?\`A&O#^I>+/$?]@?MPZCK/]@>%=&\G^U_$NM_V=^S3
M-_97A^Q^TV_VG4;KRK:#SX_-D7>N0`T#]JCQ5XK_`+;_`.$6O/V(/$O_``C7
MA_4O%GB/^P/VX=1UG^P/"NC>3_:_B76_[._9IF_LKP_8_:;?[3J-UY5M!Y\?
MFR+O7(!T'_"^_BG_`,()_P`+2_L;]D#_`(5E_P!%%_X;(\1?\()_R&/^$=_Y
M&[_AF#^RO^1@_P")9_Q]_P#'Y_HO^O\`DH`T/!7QE^-'Q*TJXUWX<^$_V4/'
MVB6FH2Z3=:QX*_:[\5^*M*MM5@MK2\GTRXU#0OV6[JWAU".TO[&=[=Y!(L=Y
M`Y4+,A8`Z_\`X2/]J?\`Z(W\`/\`Q);XB_\`T)U`&?JWCG]I+0-*U/7==^%W
M[.&BZ)HNGWNK:QK&K?M1>/-.TK2=*TZVDO-0U/4]0O/V4X[>PT^UM(9IYKB>
M1(XHXG=V55)`!@:9\9?C1K/@V3XC:-X3_90U7X>P:?JVK3>.],_:[\5WW@V'
M2M`DO8M=U.3Q/:_LMOIL>GZ=+IVH)=W#7(CMFL+@3,A@?:`:'A;XG_'WQQH5
MCXI\%>`/V8/%_AC5/M7]F>(_"W[5_C3Q!H6H_8KRXTZ]^PZOI/[*\]I=^1J%
MI=VLOE2OY<UM+$^'C90`&H_$_P"/NCZ[X<\+:MX`_9@TOQ-XO_M?_A$O#FH_
MM7^-+'7?%'_"/V::CKW_``CFD7/[*Z7>M_V;I\L=U>?8HIOLT,BRS;$8,0-O
M(W_^$C_:G_Z(W\`/_$EOB+_]"=0!@>*?B?\`'WP+H5]XI\:^`/V8/!WAC2_L
MO]I>(_%/[5_C3P]H6G?;KRWTZS^W:OJW[*]O:6?VC4+NTM8O-E3S)KJ*),O(
MJL!MY6.?\.?'OXI^+]=?PMX1T;]D#Q1XFB\/Z=XLD\.>'/VR/$6M:['X5UBS
MTC4=)\2OI&F?LP37:>'[W3_$&@W5OJ)B%M/#K=A+%(R7D+2`'0?\+/\`C[_P
ME7_""_\`"`?LP?\`";?\(_\`\)9_PAW_``U?XT_X2K_A%?[1_L?_`(27_A'O
M^&5_M_\`PC_]K?Z#_:/V?[-]I_<>9YORT`;_`/PD?[4__1&_@!_XDM\1?_H3
MJ`#_`(2/]J?_`*(W\`/_`!);XB__`$)U`'0>%M:^/MWKMC;>-?AI\'_#WAA_
MM7]I:OX6^.'C3Q?KMGML[B2S^P^'-6_9Z\,VFH^;J"VD,OFZW9>3#-+.GGO"
MMO<`;>5CV"@`H`^?_P!I#QEJ/@/P)H^O>'_&_P#PBOBW_A8'@G3_``7X6QX5
M'_"[_%6HZQ';:7\`_M'BC2;[^QO^$XWS:9_PD&F_8[GP]_R,-S<?V1H>IP7(
M!T'P!\0V?BSX-?#WQ)8?%K_A><&L^'X;Y_BM_8VA>&O^$NO)IYSJ-Q_PC/AS
M3-/M/"WV/4!=:;_8DML+_3?[-^PZI+<:G:WEQ.!M\CV"@`H`^4/$^K>`=-_;
M9^#UG)J?@^P^(6O_`+.'QUTF2TDO-%M?&6M:5#\0?@;KOA33'@:1=2U'3TBT
M7XI:AIUN5DC5=)\57%LH%KJ+H`?#\&K:5J?@/]C^STO4]/U"[_9]^!_P;TGX
M]6EA>6UW<_!'5?#/[27[`6N^)-,^+L%O(S_#;4-*T3X6_$[4+ZW\1+ITEI:_
M#GQ1<3K'#H&H/:`'W_\`L_:MI7B;7_VC/&GAK4]/\0^#?&7QPTK5O!_BS0KR
MVU;PSXKTK3/V>O@)X1U+4_#6O6$DMCKFGVGBOPUXCT6>XLIYXXM1T#4K*1EN
M;&>*(`^D*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@`H`*`"@#/U;2=*U[2M3T+7=,T_6M$UK3[W2=8T;5K*VU'2M6TK4;:2SU#3-
M3T^\CDM[_3[JTFF@FMYXWCECE='5E8@@'P@'L_B78_\`!0G0?A7J_A_Q'\7?
M#WQ`\1O\/3X>\1Z$GBKP7\1]0_8V^&GPOT+5]'UH:C%)X&\0#Q-IWCCPRNKF
MZTY[>YTOQ#8R7$1L[^.(`[#Q7X_^$?C[1?AE\./@3XA\'ZCX[\&?%#X):GHG
MP^\&O8Z1XR^$W@WP7X^\+P_$Z/7_``A#'::I\%]/TWX.IXZ\(ZI8:]9^'VV^
M()/!4L+:EXDMM%U(`\__`&=?[*\;Z+>_%C4/C+\+]2^#OP<_:/\`VM?B/H47
MAFQMK6Y\/:KJGC[X[Z;-K'Q"^*4_Q%U/1-0\'R?#?XJ:QXG@M[?PUX=D6UUS
MPUJ!U.6PMI3KH!X?X"^)7@GQ7\#O@%HGP8^(?A\?$WX;?LP?!G6_VB;SPG\6
M_"'@J\MOV??!^DZ''\0_AOKFI7EQ_P`E`_Y&NVT2^74_!UUX`O\`5;[4K_QO
MX+@\3I:>/0#ZP^-WC_X1ZU^P3\7O&'PY\0^#X?A/JW[.'C_1O`E]I+V.@>&8
MK:_\%:MX0\+^%=,T^6.S31=076Y;'P[#H#V]K=6VHA-)-I%>1_9E`/#Y_B]K
MMGXE^*?CCP?\;/@_\9]6\3?!_P`#Z!KGQ&^!^AV>G^"?@;9^`/BP--T2[^($
M]]\1_B98>&O[;TG]H#XD>(I/%VMM<6'AO2/@KK>NR>$?&%IHVI:5(`<?\/OV
MM?&_Q(\4?"OPM:?&WP?J&L:?XPT;PIXA\,?!/5_AI\1/&7C"2S_:+\=^"M2\
M0^,]%\5>"]#A\9?"_4O@O\/]/UN]\5_"J[\)ZSX;7Q1>>,;WP0WA/5-*B\/`
M'TA^RE\9/B/XL\*^/?%OQP\6?#^VT_0_#_A;Q9XACL=:ED_X4]XEOM.\1:G\
M3OAUXZU:7X:>#]%\`?\`"'P:;HPF\$ZOJGC#Q9X7\V^E\6>)+ZWU;1)F`/E_
MX!/9P?!_X"_#*VU?P_'^SY\2O@_\)OC/\1-6;Q'H4&A>']"^$WP_O[/]JKPP
M9&U%-#T;X?R_%;PU\`M/\;:#JVGW$VK3?M`_%R2Z:X:?5KGP>!MY!X5_:8U'
MX9_"?]BBXT?XD?#_`$+X<VWP?_9<T3Q-'XK\2^%?#>A>*_\`A)O$NC?"7XK0
MZ%J6H:-JUW\0_$'PVT_3[O4=;TK1M=^'/_""S"QU/Q)<^+K+6O[!T(#\#/U;
MXR>*_%'A+X/ZKHG[27@_XD_$&_\`VK_C_P##GX270O?@OI6JZ?I_A+X>?M3_
M``\\(^*K>ULH=.\/?$'XH:AIOC[X8WUC9W?_``BGA?7)/$7PUTAX]`'B6^\4
M:\!L>X?#/XZ>._BY\7;30/`GQG\/ZO\`"76/#\&A^%M=AN-'D^*?BKP=+\$[
M#7KCX_Z;\/;7X#S6>E>(+'XVW.I>%;WQ5KVN:-X$L]1\-:KX)N/`L?BV*#[6
M`>H?LU^$_#WQ5_8)^%7P^OO&.H>)/#OCS]G#3?`&N>(-)O?#+:KI=MKO@I_"
MWB'P]IEWI&C+IMMJ'A66>_\`#T*WEC=W5O)X=2/6&OM1BO9[D#;Y'G_A_P`:
M_%"Y^%_QC_:&\06^G^"OB1J6G_"3X*7-UHD6GR^$O"D?PPU!="^+GB2^GU>[
MUZ+PGI_@SX\?$W]HO2]2\::K#XFT;1_#OPVTSQ0/#OBO2],E3QL!L?/_`/PT
M9K7Q,L?#UYX.^+W@^_\`VCO"O[.'[>N@^&X?A3XA\`_$;Q-K_C+X=?%SX/W7
MPUMM/T*X\)M9^,-0\>>#?A7<:MFQ\%:(NMZ=/K6J^'](T2W6W31P#H/$W[5G
MQ#U'QOX^\._!KX[?"_QAX=T7XH>+M0\,^*];\2^$I=*G$WPT^`/B+X7?!:QD
M^&GPB\7WGQ)T_P`0^,O&/QQL--\):%IFG^/?$\?PLU.RT7QC#J/A?5!?@'ZW
MT`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4
M`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!
M0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`
B%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>a-5.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a-5.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`"`!:P,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`^,/!O[4OA[Q)^TOK_PPB\9>#[O1-2U#Q1\,O"7A
M:R\5>&;OQEIWQ$^#UI-K?C36=6\%V</_``EFCZ?XD:]^(FB+-KEO::18K^SA
M9ZC97EVOQ3T=90#0^.'QYUW0]8T7PM\.X/$%D^B_M`?L]?#CXA>-?^$,L_$?
MA6*7X@>._AI+KWPN^UG7TU'PCX@OOASX_P!%U?\`X2Z^\-W_`(;6VU/^PK35
MK?Q=JEA'IH!T'P]_:*T?Q;/;Z/H'A7XP>);G6_#_`,?O''A:\\2Z'X$\(ZCK
MG_"G/C+-\-_$WPXMM$U36_#M_P"&_$%AJ^M^&[328?%FD:)NTJ^TYM>U9=;M
MM:%L!MY!I_[5G@G7+SX4:9X6\)?$#Q3JWQ3^'_PR^*IT30[3P@VN^`OAQ\6=
M=TSPWX8\:>,M"U#QG:7^H>'[35]0N$UJZ\'V_BM-`ATJ>[UC[':7>FSZF`>7
MV7[<OA+PAX(L/$WQST'4/AIJ6L?%#X\^%M.TG4-2^'=C)%X(^#/Q+U'PAK'B
ML[OB=?6_B#4-"M+CP_I>J>'_``Y>ZOXEUG6;;6)_"7AK5]&CANB`=A\</CSK
MNAZQHOA;X=P>(+)]%_:`_9Z^''Q"\:_\(99^(_"L4OQ`\=_#277OA=]K.OIJ
M/A'Q!??#GQ_HNK_\)=?>&[_PVMMJ?]A6FK6_B[5+"/30#H/C7JGQ8T/Q5I^K
M:/K7Q`\/?#BP\/VMQ:ZI\+_AYX:^*_D^-DU'5?M]K\9_AW<:3J'C[Q1\/[Q#
MX&L]+M?A$EEJZ_;/&<VNZIHUE#I>KZ:`<_H7[1LO@OX6>);SQYIGB#XD^)O@
MI\`/A!\6_B#XU^'<WPXO_"OQ7T+QCX=U^77?B+\*;L^+-%M+_P`/Q:AX"\>7
M\D&HV?AB::VTQ&T>PO$O;".Z`-#5OVO/!NG^-]3\`Z=\-OCAXCUC2_BA>_!M
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MK'Q#^'6A_LRZ=?\`QJ^*&GW>J^,#\.?BEXI^%/PE\)>+/$WCZYA^"7Q!\72^
M*M/^':_"GX@7FE:A+XR^'EC<?8_#^GR6MEI_B'6A<QR0VMM>Z4`=!IOQZU7X
M?^#?A-9_$SPI\4/%/CCXI^,/B!X0\`VGA[X>7*^(?$NE>'I/&^N_#?6?'T!M
M]&T3X=>,/%7PW\/>&]0U&QUA?"L>G:GKFK7%]I7AS0_#?B!_"0&WE8++]IWP
M]#X(L/$7AOPA\</BMJFM:A\>=9T_P7I_@WPSH_Q0C\*?!OXEZCX/\;WH\)>(
M+_P@B:?H6MZAX:T+3/#\H?QI>V^KZ.MUI-[JT.MS68!U_P#PTO\`"S_A>W_#
M/']K?\7`_P"//R/M_AW_`)&/_A#O^%B_\(Y_PCO]O?\`"5?\D_\`^)W_`,)'
M_P`([_PBO_,)_M__`(2#_B44`:'P8^._A[XYVVI:QX.\,^,+;P;'I^D:SX4\
M?ZK#X9E\&_$71=9U7Q5H\=[X0U'P[XHU6>WU"QN_"=XNJ^'_`!%::!K^C-J6
MG0ZMI-E<W)@B`/<*`"@#Y_\`C9\4/%7PM\1?!*XTK2?^$A\)>-/B!K_@OQSH
M.C^%=1\1>.UTZ#X6>/\`XA6GB;P<;'Q/9>;_`&+_`,*_OIM0T2WT3Q'JNL6=
MV\&A6KZO!:V&L`&!\//C7>7LOQ[\3^-O&7P_U;X9>`_B!X6\.?#C5_`7A?73
M>:[H7C'X<?#?XC^&G2[L_&?B?_A8_B#6O^%M^%_#VCVGAC2K.;6+^PC?3K.Y
MG\26>F::`;^M?M0?!7P]ITVK:IXB\01:?:_#_7_B==SVGPV^)VI_8?"'@_Q5
MIO@KQU-?Q:5X.N)+#Q!X1\3ZM96?B;PW<)'K?AO?+-KNG:?;VT\L(!Z!X+^)
MWA#Q_J/B;2?#,WB!]0\&_P#"+IXEM]:\$^-O"7]DWGC#PKI?C71M(FE\6>'M
M-CD\0)X9UO1KS4-(A>2_TC^UK.'5K>RN+F.)P#Y@T#XL_'W2/AGXW^-_CKQ%
M\'_$/@GX6^(/CE;>,?!GA/X5>-/"'BK5O"OP.^(7COP/XAUGPUXMUCXW>)+"
MV\03:1X)N_$%EHU[H+VUW<M#H,^K:;%=-XAL`#U_Q=^T3\,_`'BKQ?I'B+QG
M]N_X1/\`X5/HNM>%O!?PY^(7CWQ5X2\5?%;4?%UKX/A\37'@*PUW9_PE/]F:
M1::7I3:187-K<O9-<7-U_P`)IH,"@;>00_M$_#/5_B9IOPJT?QG_`&3XVMOB
M!K?@C5O"?BCX<_$+2M1\2ZCH7P]U_P`;:KI/@O5=:L-&L)_[/TF+PYXCNO$5
MI_;^E+I6JZ-;L(Y?'7AV^E`-#2OVC?@]K-MXON]-\3:A):>"=/\`"NK:C=3>
M#/'-E;:YI7CW5=9T+X?ZG\.YKWPU"GQ8T_Q9K>@:EI_A^X\$MX@CUVZ^RV^D
MM>3:A9I=`&?J/[4?P)T:S\.7&M^.?[!U#Q9X@U?PGX?\(Z[X9\8Z'\1[_P`5
M:+H2>);KPT?A=JGAZW\7VGB"XT:[T.:PTZYT2&YU1_&7A.#38[NX\7Z#%JX!
M]`4`>/\`BGXX>"_!^NWWAS5M%^,%WJ&G?9?M%QX6_9Z^/OCC0G^UV=O?1?8?
M%/@KX::KHNJ;8+J-9?L5_/Y$RRV\WEW$$L48![!0!X_\0O&/BJW\5>$OA?\`
M#^7P_I7C;QGX?\9^,8?%'C'1]1\1>%?#GA7X>ZCX'TO7Y9?#.B>(=#O_`!-X
M@O=6^(?A2QL]/76M#MHK:ZU;59M0>71;;1?$8!S_`(.^)'C;0O$47@;X[6?A
M_1O$WB_X@:QX4^#FI^!=$\7WOA7X@Z%X8^%GA[QIJFN:IJ,BZG:?#_Q!?ZA9
M_$>Z@\-Z_J5K-%;>&[BPTZ[\1II#Z_K(`:/^U'\"=<UCP=X9TWQSN\6^/?\`
MA(?^$6\$W?AGQCI?CN\_X1/QW+\-O$WVWP-JGAZWU[0?[,\6V>M0W7]JZ=9>
M39^$_$^K/C2/"VM7VE@!I'[4?P)\1Z%J/B7PGXY_X331M.\0/X36Y\">&?&/
MCB76?%4-YXCM[GPUX1L/"7A[4;OQMX@MM/\`"NLZ_<:=X>@U.YM_#:V?BB>.
M/PYJEAJEX`%]^U/^S[8:[<>&E^*'A_5M6L/#_A;QAJL7A>/4_%]GH/@GQC9W
M6IZ-X]\2:MX5T_4+#PU\/TTB"VU+4/%&J7-II&D6&O:!?:O>V-IXDT>;4@#H
M/AM\7].^)'B_XT^$;+0O$&D3_!KX@6/@6YOM7T#Q5I-GX@^V>"?"_BEM4TZY
MU[PUIMI)LU#6]3LUMK"ZU/S+"QTC75F_LSQ7I$ER`>`:!\6?C[I'PS\;_&_Q
MUXB^#_B'P3\+?$'QRMO&/@SPG\*O&GA#Q5JWA7X'?$+QWX'\0ZSX:\6ZQ\;O
M$EA;>()M(\$W?B"RT:]T%[:[N6AT&?5M-BNF\0V`!Z_;_M$_#.'Q?<^$Y/&?
M_"3:AJGQ@OO@YX>MO!'PY^(6OV>A^.]$\$^%O$WB'P'XK\6>';#6]%'B"P@U
M+5M9N]1N)M!L[&PMM3L[F(7'@K7[U``T']HGX9^-=1^'EGX6\9_V7<^-?B!X
M[\$:;X<\9_#GXA>%O%7C#4?AMX5\2:CX[TGPSI'BVP\/7^D?\(WJ^G6XU3Q%
M=:;J6E6]SI%[X;E$.MZC;M8`&AI7[1OP>UFV\7W>F^)M0DM/!.G^%=6U&ZF\
M&>.;*VUS2O'NJZSH7P_U/X=S7OAJ%/BQI_BS6]`U+3_#]QX);Q!'KMU]EM])
M:\FU"S2Z`,_4?VH_@3HUGX<N-;\<_P!@ZAXL\0:OX3\/^$==\,^,=#^(]_XJ
MT70D\2W7AH_"[5/#UOXOM/$%QHUWH<UAIUSHD-SJC^,O"<&FQW=QXOT&+5P#
MZ`H`\?U;X[_#/0O'8^&>I:IX@@\;/X@\$>&K?1(?`'Q"O?MNH_$31_&6O^%K
MG3=1L/"TUAJ7A^32?AWX[GO==M+J;2M(_P"$2U6/5[VQELY44`]@H`Y_Q3XE
MT[P?H5]XBU:V\07>GZ=]E^T6_A;PGXJ\<:Z_VN\M[&+[#X6\%:-JNM:IMGNH
MVE^Q6$_D0K+<S>7;P2RQ@'A^K?M$^`]1TK4].L[+]H_0+N_T^]LK77=)_9*_
M:2FU71;FZMI((-6TR'7?@1J.FRZA9RNMQ"FH:??VK20H+BVGA+Q.`>`32_"K
M_A27P[^!EEXN_;/TK1/AEJ'P^O-`\5V7[)?Q7E\97-M\*M<L/$7P]TG5I-3_
M`&3;O0I]/T;5="\+2*\&A6MU=KX6LTU"YNUNM3&J`&?\6)O@AXT_X2[7+BT_
M;?\`L6K^(/"/Q2U?X;_#/X"_M*^"O^$Q^)GPT_X1!O#FNVGB!_@_I&JV?B"]
M\/\`P]\+>&8[*;QCI/AZW^R6NMP6^E^)K.W\3V`!G^"=8\!W_A30=0\3V'[5
M_P`._&2^,/V@M?F_X0W]F_\`:2LO$-O\._VA?C1K/Q8UWX5Z_K-K\$M4M])U
M">T'@>WU36O!FH6NKZ9J?A60^%O%D5M(][J8`:)X5_9[T2V^$>BM??MGZ_X*
M^#&G_#E/"W@+Q;^S?^T;XI\/2^)OA5JOB+6_!?C]M0UO]G6X\0^&/&%KJ7B.
M1)6\(:YX:TZYTS2=+\.SZ<_AJR71F`-"TTOX(:?K%_K^G>(?VW],U:_\0?$R
M]:[TW]GS]I73O[.\%_&+QW/\3/B1\+]`M[/]GF*'PQX?UKQM.FI/XITB.Q\?
M6_\`9^FVUGXRM[32K&"T`-#XA0?`CXC:KKEYJEW^V?H&C>)O&'@7XB^(?"G@
MKX`?M5>$-*U?XB?#ZY\%Q:'XSN-:T7X&0^)X-0;PUX`\,Z"^GVOB"WTB"/3H
M-:L--LO%EI:>(K0`Z#Q9XH^&WB#Q]J/Q.\/>*_VS_AKXRU7P?X4\!WM[X*_9
M<^.EUI4_AGPEK7C?Q!9VMQX6\>_LR^)="N]0N-5\<7<CZK<Z;-J-I'ID%MI5
MUIUMJ6MPZ\!L<?XQT+]G/Q1X5E\#:7;_`+7_`,/_``?>_!_1_@7KNA>!?V=/
MVH;+_A(OAQX2T[Q#8_#W1M4UO7O@1JVM0_\`"+S^*_$5U`=/U*Q36O[6N+#Q
M:GB+1W_LV@/P#1++X1:#XBA\26OC/]M^[N;+XP:!\9=.M]:_9A^-FN_8M8T+
MX6:E\$7\/3:QJ_[+5QK>N^']4^%-Y8Z!J%WK>JZIKLW]A6>J1ZU#K=QJ.IZH
M!L=AHNO?!G1_@EX5^!DC?M7ZMHG@?3_"%EX2\5ZG^RI^T!'XRT2Y^'&N:5XB
M^&>K1R:3^SG8Z%?ZAX6U7P]X9DM$U#0KNUOE\/6Z:Y;:LMS?C4`#GXI?A5%K
M7@KQ*WB_]L^;Q)X5^*%W\7M=UN7]DOXKK<_$KQE<^`;?X2PS^-;*#]DV/3[#
M3[7X3PR>$XK7PA9>%5-K=RW\YFUX1:O"`>@>/?B/\-O'GB;X6>)GU']J_P`,
M2?"?QA=>-=+TGPW^R7\=&TKQ%JMYX>U;PA<6_B?_`(27]FO6+YM/;PIXD\5Z
M6$TB]TB01^)[NX$HOK73;K3``\>_$?X;>//$WPL\3/J/[5_AB3X3^,+KQKI>
MD^&_V2_CHVE>(M5O/#VK>$+BW\3_`/"2_LUZQ?-I[>%/$GBO2PFD7ND2"/Q/
M=W`E%]:Z;=:8`>7Z%9?"+0M.T^U3QG^V_=ZM8^(/BEJ<OBW_`(9A^-FA^*KW
MPY\;O%6F>._BSX!_M#PA^RUH\.B>'_$7C;2++6_[8T*UTGQ5I%S'Y?A_Q%I%
MH%ME`/4++X@_"73?B'JWQ!TX?M7V"Z_J$?B/7?!5E^S+^T]:^#=:\;P^$M,^
M'\/C;5H8/@4NL:CJ">!-%T?1ET2XUF3PTK:39ZN-"'B&UBUA`#G_`(/:_P#!
MGX.W/B36+=OVK_'GC+Q=I_@[1O$OC_Q_^RI^T!<>,M?T7X?:5=:/X-LO$.H^
M$OV<]`M_$VH:=::CJBGQ!K-IJ&OWJWRPZEJUY;:?IL&G`;>1]/\`@KXO>%/'
M^JW&CZ%I/Q0L+NVT^74Y)O&OP1^-'PUTIK:&YM+5X[?7?B-X`T/3;O4#+>0L
MEA!=R74D:3S)"T-K.\(!ZA0!X_\`$GX>>*O&?B_X+>(M`\6^'_#FG_"KX@7W
MCK5M*U?P9J/B6\\4_;_!/BCX>2:7IVK67CC0X_#&WPSXZ\6LMS-8:U_I[Z1<
MF$V^GW-EJX!YA<_LF>#3X!^,7PWL)]/A\*?$OXH>#OBCH?AK5M!D\1^$O"MS
MX#T7X/V_A[P-J?AS5M;D3Q)\+_[;^$-@LWAFSN/#]K#X=U=_#.C_`-D6NGV5
MU`!^`7_[)G@W6?!OP^\$:K/I]CHGAS3_`(B>&?&ND>`-!D^%'A[Q=\//BO)-
MXA\;_#+P]HOPYUO2#X!\'W7Q"TOX?ZJ)(KK5=7N=,\#-HFLZKJZ^*/$5]K(!
M[?\`"WP+_P`*V\":%X3FU3^WM6MO[3UCQ5XE^P_V3_PEGCOQ9K&H>+/B!XQ_
ML9+NYAT'^W_&VN:_K/\`9-G,;/3_`.U?L=DL=I;0QQ@;>5CP#P[^SU\4T\(>
M(/A;X[^+?P_\1?"OQOX@^)^L^/=%\+?!GQ%X,\7Z_IWQ;\;>*O'OC3PG8^+]
M3^-_B2TT#P_J&H>+M5T:6:#0)=5BT2YEBT_4[#6OLVO60!W^I?!.\\3?$?XP
MZ]XSU_P_K_PR^,'P?\-_!S5OAU;^%M=T378-"\/R^.)I)KGX@V7Q`;[5_:'_
M``M#Q[#.EEH.E3)#<:(+:ZAGTJYN-:`,"V^`7BK2K/\`9YM='^(7A^.?X0_$
M#Q#\4OB#J.K_``^U'4+SXK>._'6A>.=(^(FNZ<EA\0]-M/AU_;VH?%;XFZVM
ME#:ZW9Z??ZQI$=G;QZ9HKZ=J8!Q_@3]DW5?"7P[UOPAJ/Q)T^?5+G4/A%KGA
MJ'P?X$N?`?PC\->)O@GXML/B)X<\26?P1M_'.I:/H6H>)O'=C%?>-+;P7?>"
M].UZ"*/[%9:'JS76LWP&WD=!%^S]X^7Q7X*\;S_$[P>_B*P^.%W\;_B*L7PL
MUJ#1?%.JO\%[?]GFQT/P5I[_`!9EN?`&GP_"U;IY9M3U#QC)-K\T6IIY&G0M
MH<X!]7T`>/\`BG]GKX!>.-=OO%/C7X'_``?\7^)M4^R_VEXC\4_#3P7X@UW4
M?L5G;Z=9_;M7U;19[N[\C3[2TM8O-E?RX;:*),)&J@`]@H`\O\?>`=5\0:KX
M>\:>"O$.G^$?B1X1T_Q!H>@Z]KGA^Y\8>&;CPSXQN?#MSXM\-^)/"5MXBT&?
M4M/O+OPGX7U*"YTW6]%U&TU'PQIK+>R:7-J^D:\`<?K/P=\5:AH_A/4HOB1]
MH^*WA'X@7/Q0L?%GB7P]J.O>!#XJU7P)XF^&6JZ3;?#*S\8Z7-H?P_MO!/B_
M6+72=#TGQ/8W,%Y::=J^LZIX@U6;7;OQ0`<!\*_V:?'?PQ^(7ACQ5<?&[_A/
M/#^@_P##0GVK2?%?PVT>R\57O_#0?Q,TKXH:Y]B\4^#=>T/2M.^R>(/"OA:Y
M/G>%+_S[F\\5F#[!I^K:+IG@P#;RL9]U^REJOB#X7Z=X(\>^*/A?X\UOP[\<
M/B%\;_#TGB+X)W.I_"^XU7XE:A\0]2US0_&WPLUGXH:A/XKT^QN_BQXWN-+F
MMO%.BR6EQ:^&)YOM;:+=C7@`\2_LM^,M2TKXN^%]`^*/@_1/"GQ*_9P\"_LV
MZ59W7P;CDU7POX>\%VWBS3SK\K>$/B%X7\/7FH7>F_$CXA)'IVC>&/#.F6,E
MSX;^S6@M=!NK/Q``>O\`PW^&'C+P;XW^(WB_Q!\0]/UZT^(NH:#XDO\`POH'
M@B/PMI4/C*U^&GPP^'6OZW->ZIXE\1:E<:>\7POM+K1M,MKRP738_%.MV^JS
M^(IAIE[HP'X'F'AW]GKXIIX0\0?"WQW\6_A_XB^%?C?Q!\3]9\>Z+X6^#/B+
MP9XOU_3OBWXV\5>/?&GA.Q\7ZG\;_$EIH'A_4-0\7:KHTLT&@2ZK%HES+%I^
MIV&M?9M>L@#H+CX!>*M2L_VAK76/B%X?:?XN_$#P]\4OA]J.D?#[4=.O/A3X
M[\"Z%X&TCX=Z[J*7_P`0]2M/B)_86H?"GX9ZVUE-:Z)9ZA?Z/J\=Y;R:9K2:
M=I@&WD;^N_!.\AE_9PTSX<:_X?\`!'@C]GKQ!::C9>%]7\+:[XSO-9T+3OAQ
MX@^$VF>'-.\12?$#2YM#^S>"?%_B5%O]0M_$,TE__9%W,LD5A=VFL@'F'@3]
MDW5?"7P[UOPAJ/Q)T^?5+G4/A%KGAJ'P?X$N?`?PC\->)O@GXML/B)X<\26?
MP1M_'.I:/H6H>)O'=C%?>-+;P7?>"].UZ"*/[%9:'JS76LWP&WD=!%^S]X^7
MQ7X*\;S_`!.\'OXBL/CA=_&_XBK%\+-:@T7Q3JK_``7M_P!GFQT/P5I[_%F6
MY\`:?#\+5NGEFU/4/&,DVOS1:FGD:="VAS@'U?0!\_Z_\*_B/JGQET3XJ6'Q
M0\/Z9I_AG^S?#^A>$9OAK+J'E?#C6H)KGXP>&-2UX>.[>2^\0>+O$VD_#35[
M+7XK2T3P_P#\*KTJTBTV_M]8\0C7P#Z`H`*`/B#_`(6S\??^%(?\)G_PD7P?
M_P"$V_X:?_X4I]J_X55XT_X17_A%?^&E?^&8_P"T/^$=_P"%W?;_`/A(/[6_
MXJSS_P"WOLWV;_B1_9/-_P")W0![?9?M(?!+4?&6K>`=+\?:?JGB3P[XPC\`
M>)H]*T_7-3T7PGXRNH],72_#WB_Q78:7+H7A+4-6U758-"TI=7U*R75M?M=1
M\.Z8UWKVDW^G68!T%M\:/A?<:KXMT@^+]/L)?`^GZ]JWB#4M8@U#0?#*:5X1
MN5L?'.IZ/XOUJSM="\3Z?X1U5XM,\37&BZCJ$?AK49X=.UYM/OIH[=P#P#3/
MVL-%U;XE^.?"MUXC\'^"/#6E:A^S)X?\#OXK\.^/K7XAZUXR^-'C?Q]HFK^`
M_%GPV\36/A77?!OC#4M*\&P2:)8R6%TMEI&IV?CF^EU'0;QM/T\`]OT'X[_#
M/Q)_PKS^R=4\0?\`%TO$'COPGX-_M+P!\0M"\_Q5\-/^$D_X33PUK_\`;GA:
MT_X0GQ!8?\(=XKV:=XD_LFYO/^$<U+[#'<_8Y=@!YAXO_;$^%6@:+>:KX;B\
M8>-I--\8?!?P_=VVB_#?XKO;7?A[XT^/I_!GA_Q]X5U.R^'U[;^.O!]S::-X
MLOM'U;P]_:6F>(;K1;'2-,U![[Q%I0NP#V__`(6EX$_X3O\`X5M_;O\`Q5O^
MH^S?V9K']C_VQ_8__"3?\(C_`,)9_9_]@_\`"P/^$2_XJ3_A$?[3_MW^PO\`
MB>?V=_9'^FT`>0>%_P!HO3O'?Q]T'X:>"[CP_JG@G4/@_P"/?B!-K<L/BK3_
M`!5J6H^'/&GPRT#0-:\/:;K6AZ;8:M\']8TCQGJD^C>-]&NO$&E>)[G3]0CT
MN[MXO#5R^L`''ZG\9OC1!\2X_!]FGPOTO5-2^*&D^&=*^$OC30O%?A+QEJ7P
MOLO&]DOB_P"*7PU^*.J^*X?"OQZU"'X065]XPO/"GA;2+.X\*+XLLK/6[ZYU
M;P[_`&-XQ`/7[?\`:-^#TNE>#]=G\3ZAHNB>.-0^)&DZ-K'BCP9XY\(Z58:K
M\([;Q1>?$73/&6H>*/#6GV_PZU#1K3P1XQG>W\5R:+)/'X6U5[19UL9S&`<_
MX._:Y_9T\>ZKHVC>$_B9I^I7WB#3_">K:'YFB^*-+L=4TKQM<WNE>'M3LM5U
M;0[6QFT^3Q782>$+FX%QY>G>+KJP\':BUIXIU.RTBZ`/4/'7Q.\(?#G^RXO$
M4OB"YU#6OMSZ5H/@[P3XV^(WBJ\L]+^R+JVKQ>$OAYX>UO6AX?T^?4M(M[S5
MVL%L+2YUW2;:XN(KC5;**Z`/`-3^/_B7Q;\<=&^%GP=NO#\^D6'A_P"$OCW6
M?$VN?#'XL>+_``AX]\$_$;5O$6H:J_@WXK>$/L?A+P3]@^'?@[4[[1?$&J3^
M(](\4:WKT&@VKV-WX>U7>`<?\9_VBO'WPP^+GC_PG!X[^!]M:>'/A?X%^)GP
MY^$WB#PKK4?Q<^-^J^(+[XDZ-??"3P#K2?&"T2]\8:AK?PXM;/3K[3/!.O20
MS_$32;9]$OYK%?[<`/7_`!3^U%\$M-TKXR1V'Q=\'Z7JGP8T_7;?QYKM[I&N
M>*?#/PY\0V5MH\&GVGBR'0Y[%-3U"?6_$-AI]EX;L]9L]3U[4=(\0:'H[OJW
MAW68M&`/0+SXR?#O3_B'I/PLGUC4'\9:UJ$FC6<%EX6\6ZCX>A\0Q>$M3\?/
MX5U;QQI^A3>&=`\8'P/I-UX@70-3U>SU-],EL[Y+1K;4;.2Z`,_3OCU\)]4T
M+Q'XDL/%?G:1X8_LA[J0Z%XE@O-9L_$UX^F^"M7\#Z3<:/'?_$?P_P"+]7BF
MTWPKJ_A2VUJP\57\,MCX=N-3NXWA4`[#P'X\\,_$GPS:^+O"%UJ%UHEUJ'B#
M25;5O#_B'PKJMKJOA;Q#JOA3Q%IFI^'?%>E:;JVCZA8>(M$U6QFM[ZQMY%DL
MW^4J59@#L*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M"@`H`*`"@`H`*`/F#_A07BKS_P#A%?\`A8/A_P#X4W_PN#_A=?\`PC/_``K[
M4?\`A9G_``E7_"Y?^&A?[/\`^%E_\+#_`+#_`.$?_P"%K<>1_P`(#]I_X1[_
M`(E7VO\`M+_B?T`<_P")/V>OBGK/_"U/L'Q;^'^F_P#"P_V@/A3\=--^U_!G
MQ%J7_"._\*E_X5Y_8OA:]\GXWV/]O_;/^%/?#3[5J47]E9\GQ/Y5G'_;FG_\
M(R!L<_K/[&_]M_$?Q]XHO/&_A]/#'Q-^'_QS^&?C5H?AOM^-6O>%?CI+HVHW
M=IJGQFE\:26FJ?\`"%:AH.F:7X.BO_!EU;:+X8MTT!K>\>./4XP-O*QS_C_X
M0?$>'Q[I_B'Q!\0O$'Q&\;?$[Q!^R_IS^$_!OPAE\*_"?P_H7[.O[2>D?%WQ
M#XCN_$KGQ)-X.^R>"=6\0W%C8>*?':S:MJ5UXCATYM7EO=`T+P>`>H?\,W>)
MH_&7@75-/^,.H:+X&^'7QP\<_&_0/"&D^"/#SZUJVJ_%&/XHWWCW0_%_C#7;
MC4TU#3Y-;^*FOVNE3:+HOAZ33]`U#4;"Z_M37)-+\4>'0/P./\+?LD^*O#'P
MSU?P=;_%;P_!X@G\0?`SQ#H!T+X8ZCX:^#7AW4?@;\0M$^),.L:?\!M-^)_]
ME>'?$'C+Q!IMV_BE_!NK>#]*U&26RO(-&L]0M[V[UD#;R/0/#G[,NC^'OC4_
MQDEU7P_XBUV[_L[5M6\3^(_AAX$N_B_JGBJP^&.D?"*0)\4K+3K2/PW\/[SP
MSHUOJUSX:\-^'-%N3X@N[^XBUF'0=1N?#4P!G_#?]F[Q-X"\9?"779_C#J&I
M>%/@E\+_`!3\&?!/@;3?!'A[1[;4?`.J1_#R#P^_C?Q!?W&KZEK'C"WB^'^E
MSZMJ>C2>';+4KK2M#?3=)\/VMMK=EXO`V^1H?\*,^(][/_8?B?XU?\)7\.9O
MC!_PN&71=9\#2OX[TF\T7XR_\+C\!>!_"?Q`3QJ+33?A_HFH:1X0TN2SUCPS
MXAOYK.RUFWT_4M'LK_1[+PB`<_JW[-/CLZ[X8OO"?QN_X1/0OA_\8/B-\:_!
M&@'X;:/KLL_BKXJ6?Q6O/%NG_$+5]1UX2>)O#Z^)_BKK,5A!X>A\&W-OX;O-
M4TN>[N]?N-*\7>&0/P./TC]D3Q]HGA3P_P"';3XQ>#WN_#?PO_9?\`V.HW'P
M>UIK:35?V3/C1J'Q1^'/B&[TV/XRQN^GZCHFI3Z'K>DQWD4ES=*FJV.HZ;"#
MI+`?@?1_Q"^'GBK7/%7A+X@?#_Q;X?\`"7C;PEX?\9^#H9O&/@S4?'OA6\\*
M^/M1\#ZUK\4N@:)XX\'W\7B!-6^''A1K/4%UQK:&V;5H9M/NI;VVN=+`./\`
MA'\!]5^$7C)[[3/&NGZM\/;#X'_!WX(>&O"]]X1N8/&5AI7P5C\1#PYKFN>.
M[?Q;_9NN:A>2^-O&#7L-KX0TB-UFT=8/(.FW3:R`=AHOP\\5:9\<?'GQ4NO%
MOA^[\,>,/A_X"\"V7@VW\&:C8Z[H_P#PK_5O&&N:9JESXTD\<75IJWVC4/B+
MXU$]M'X:L/W,FB1QS(^F7<NM@'F'B+]G[Q]X@\)?M8>%)?B=X/MHOVE]0OI-
M.O(OA9K32>`=*UGX>>'/A%K%G>0M\60/&.H/\/?".A"VO8FT".WUDW^HRVEU
M8W,.CV(&WD=_X0^&'C+PQXWUGQ3+\0]/ETKQGJ&E>-?B#X>TGP1'IDGB+XEV
M/PT\*_"NXN-,UC5?$NLOX<^%\FB>#M"U6'PS%;76N0ZS9)-+XPNM)DN-&N@#
MQ#PU^QAH_@KX3^+OA=X4N/@_9P:[_P`*NTFRFU;]G+P)K6@ZYX5^%/B6UUO3
M#\:=`DU*"[^,7Q`UW3_[2L=9\2RZUH-LDUS;ZKX<T;PYJ<=W<ZH!L?3_`,+?
M!%Y\.?`FA>#]1\5^(/&VH:9_:=Q?>)/$NJZ[K.HWEYK.L:AKES:VU]XIUS6]
E:'A_3Y]2?3M)M=7US7+^TTK3].M+S5-2N+:2]N@-OD>@4`?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>a10-1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a10-1.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`#0"%@,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`\_T#XL?"SQ7XJUOP+X6^)?P_\`$GC;PU_:7_"1^#M`
M\9>'=8\5:!_8VHPZ/J_]M^'M.U*:_P!*^PZO<V]C<_:K>+R+F>."7;*ZJ0#T
M"@`H`*`./O/B%X!TWQEI/PYU#QQX/L/B%K^GR:MH7@.\\2Z+:^,M:TJ&/4Y9
MM3TGPO/>KJ6HZ>D6BZP[7%O;21JNDWI+`6LI0`/#?Q"\`^,-5\3Z%X0\<>#_
M`!3K?@C4!I/C/1O#?B71=;U7PCJK7.H68TSQ/I^F7LUQH&H&[TG58!;WT<$G
MF:;=IMW6\@0`T-1\6>%='UWPYX6U;Q+X?TOQ-XO_`+7_`.$2\.:CK.G6.N^*
M/^$?LTU'7O\`A'-(N;E+O6_[-T^6.ZO/L44WV:&199MB,&(!T%`''^-?B%X!
M^&FE6^N_$;QQX/\``&B7>H1:3:ZQXU\2Z+X5TJYU6>VN[R#3+?4-=O;6WFU"
M2TL+Z=+=)#(T=E.X4K"Y4`/#?Q"\`^,-5\3Z%X0\<>#_`!3K?@C4!I/C/1O#
M?B71=;U7PCJK7.H68TSQ/I^F7LUQH&H&[TG58!;WT<$GF:;=IMW6\@0`T-`\
M6>%?%?\`;?\`PBWB7P_XD_X1KQ!J7A/Q'_8&LZ=K']@>*M&\G^U_#6M_V=<S
M?V5X@L?M-O\`:=.NO*N8//C\V-=ZY`.@H`*`"@#G]`\6>%?%?]M_\(MXE\/^
M)/\`A&O$&I>$_$?]@:SIVL?V!XJT;R?[7\-:W_9US-_97B"Q^TV_VG3KKRKF
M#SX_-C7>N0#H*`.?\+>+/"OCC0K'Q1X*\2^'_%_AC5/M7]F>(O"VLZ=X@T+4
M?L5Y<:=>_8=7TFYGM+OR-0M+NVE\J5_+FMI8GP\;*`#H*`"@`H`*`"@`H`*`
M./\`&OQ"\`_#32K?7?B-XX\'^`-$N]0BTFUUCQKXET7PKI5SJL]M=WD&F6^H
M:[>VMO-J$EI87TZ6Z2&1H[*=PI6%RH!T&DZMI6O:5IFNZ%J>GZUHFM:?9:MH
MVL:3>6VHZ5JVE:C;1WFGZGIFH6<DEO?Z?=6DT,\-Q!(\<L<J.C,K`D`T*`"@
M#/U;5M*T#2M3UW7=3T_1=$T73[W5M8UC5KRVT[2M)TK3K:2\U#4]3U"\DCM[
M#3[6TAFGFN)Y$CBCB=W954D`'G]Y\;O@OIO@W2?B-J'Q>^%]A\/=?U"32="\
M=WGC_P`*6O@W6M5ADU.*;3-)\3SZLNFZCJ"2Z+K"-;V]S)(K:3>@J#:R[`#U
M"@#G_"WBSPKXXT*Q\4>"O$OA_P`7^&-4^U?V9XB\+:SIWB#0M1^Q7EQIU[]A
MU?2;F>TN_(U"TN[:7RI7\N:VEB?#QLH`.@H`\?U+]H3X!:-_;_\`:_QP^#^D
M_P#")^((?"?BG^TOB7X+L?\`A&O%5S_;?V?PUK_VG6D_L;Q!+_PC?B/9IUWY
M-RW]@:EMC/V&?R@#T#7_`!9X5\)_V)_PE/B7P_X:_P"$E\0:;X3\.?V_K.G:
M-_;_`(JUGSO[(\-:)_:-S#_:OB"^^S7'V;3K7S;F?R)/*C;8V`#H*`"@`H`Y
M_7_%GA7PG_8G_"4^)?#_`(:_X27Q!IOA/PY_;^LZ=HW]O^*M9\[^R/#6B?VC
M<P_VKX@OOLUQ]FTZU\VYG\B3RHVV-@`Z"@#G]1\6>%='UWPYX6U;Q+X?TOQ-
MXO\`[7_X1+PYJ.LZ=8Z[XH_X1^S34=>_X1S2+FY2[UO^S=/ECNKS[%%-]FAD
M66;8C!B`=!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0
M`4`%`!0!Y_\`%C0/%7BOX6?$OPMX%UK_`(1KQMXE^'_C+0/!WB/^TM1T;^P/
M%6L^'=2T[P]K7]KZ/#-?Z5]AU:YM+K[98Q2W,'D>;`C2HJD`^</$WBNYOM%\
M)3_![X9?%#X=ZW\%]0\!P>([,_!+2M&MO#OPCA\??#_3_BU\%_#;:]X7O1XZ
MT^Y^'NC:WJ=O;_`Z?Q!!=77PGT5-/UB1KWPY9^*0#P_P=\3/CCXD\2^%=`U+
MXC?M/^'/#<7A_P#:57QQXDU']D#5K?79[/P-\6'USX"ZWX<OK[]G.UT?3?B!
MXG^#BWL=Y;OHFNV%Y#HRZ-:>&]-\9:Y8WJ`;!\//B3^V(UY^SC>^*[KQ!>Z9
MXU\/_#.[\=/X@^#7CGPA%:>+]1UU_!_QD\%^)_!?A7X"^)=5\.?\(_X?TK1M
M9T?Q#X@\6?"O1+SQ)XOUC7(+[6_!*0^&/!0&WR/(/&_B3]H[Q;HG@2+Q!XX_
M:?U#PD?C!KYGCT;]DJZTWQ59Z/\`"3]KCX'>(_A3XR\6:=)^SW?7EQX@F^"6
MJ^,?&,=_I^B^'M"O[GP)HVA-H=QJ^D>(K/Q4!L?3_P"U)!K`^/OP*\9>&?"/
MQ`USQ!\%_A_\5/'^GZCX9^'7COQ)IP^V^-/@M-XN\%:7K6F>';KPQ<_$#QC\
M!?!WQ]\-:+H^KW]O_P`376]$'G:7J&J:%J%`'S?H>M_'3X!_#GXUZ=X`\"_%
M#6/BPOQPB^)/BC7=)^%_Q)/@'XI_$2Y^`/PX@^(D>F0W?P%\1ZKXL\'^.?C_
M`.'OB3<0_P#"*:?X%TBWLM+0#QOX(L]:\+1>)0#0^)'CWX^^*O'.H:QX,N_C
M_K6G^!/C!\1/%WPEL=9_92\:>&+SPWX$U;]COQ_::MXO@U3Q%\(-'T[QUX@\
M,?$;Q+K'A[P+X$U=]!O-=OW;3_$>KZK;^(=+UWPH!^!T'[0.L?M->,-,^+/P
MWT67X@77P[\3?`#Q39>$;M_AEXHF\7_$G0I/V?;GQ*;[5]'TO]F2;0_!'Q@\
M2?%:VU7PCJ.DZYXU\%31:)/=V&C_``^TSQ%J'AWQ)=`'W?X\\(:K\2?@-=:!
MX<UG4+KQE=>#_#_B/X=^+/B%I5SX5U6U^*'A8:5XR^%_C;QQX;MO"NFG1]0L
M/B%HGAK6]3T27PM;VZR6=S876A&V,NF,`?*'CWQ7\<?AO\#G^*'P^\#?$"Z^
M*WQ7^('C#XUZGI5KX6U;4+R2SDTF6U^#OPB^*/@/0?A3XXUO2?$"_"G1OA;X
M4U>QT6P\%6"W_P`/-96^^)6B:KJ%KJ'B\`\O\4_$'XT:=XK_`&LO''PJ'[1_
MA[P[XPT_Q/JW@&PM?V9?%<MS>?&'2O@O^S/I?P@U/2M`\;_`J]\0S:?X@U+X
M>_&OPMKUQ?1RZ%IUKH^E27#:#J.O:%J>L@;'U!\"_B/\=/%WQH\>V7CS2M0T
M3X>W.G^*=9\)Z3K'@CXDZ')8:+;>*](M_A5>Z/J.K_`[P]HFAZAK?PWU/^UO
M$WA_6/B1XYU^/6;F&&+2?!QT77O#VG@;>1X_J_Q$_:7A^%_Q%U.QU;XX#XA6
MGP/\1Z_XGTR'X$6D\?PR_:7M-0\&#P)\*_@1;'X-NGQ<^%^LZW??$;2-4UI9
M?B?%::-X8T;4V\6:4+U=:UP`/'5W\7/&?PO^)6E^(/%7QPO+OP7^T?\`LK?$
M3P]X@\+_`+/5]H&JZC\*M8U#]G_QMKG_``AO@G6?A-K=YJ^G^#/&4WQ*U=-`
M:+Q'XKT23P'I6F^+[K5(?M=OX@`//_B[X[_:2\$>//C)XH^"&F?%!]*UK]J_
MP/X=UOPU;_`#QXUMJ?@'7?V;?"_P^\8_%FT\77_PI\67FM:?X:\9?#&%=$OO
M"7AS5[*QNM/>^UG2_&FD^+=!TR@/P/L#2?&'QHO?V8],\3W$>H/\2'U"RL==
MO])\%^*XO%NE^`8OBE'X?\4>,=,\$>/?ACX2U37?BAI'P>CU/7X;0?#BSLM:
M\1:<C:-X2O=+U&PT2\`/C_2?B5\:/`W@/P/HW@S1?VCX+1OCA\<4\<>*]3^!
M?BM?$/B#PE\3OVDM?U6?Q_'\/K;]E[6KFY\8:#\+?&(\=VC3?\*U\.MJ>J6]
ME:Z=XWFT;7_!>A`;?(^L/V6M0^-7B_\`X23QA\4?'7B"_P!/\/[/@W'X4ETW
MX8IX5\2?$?X3_9?!'QG^,?A[4?#'A'3O$5AX?UKXJ>'?%VG:/H.LW-N\-MI>
MH:M+:16_B+2-)\(`'U_0`4`%`!0`4`%`'S?XLOY/AU\:-1^)WBO0_&'B'P;K
M/PO\*>`_"%[X*\#>,OBCJO@CQ-IGBOQOX@\>VMQX6\#:%K&NZ!I_C32M2^'4
MCZKINFSZ==R?"2"VU^ZL;FQ\,0ZR`?.&H^+OBQ\./$_ASPG._P`?_!/P_F^(
M&KIHWAOP%^SWX:^(-G\/OV??%/[,J'PMI":A\&O@OXO\.Z;X@^&_[1NF2^']
M'TB#4;^Z-@(Y];M_$?A^>QU20#;Y''^&O'G[8%_I7PBN++Q?\4-8^(7B[]G#
MQUXU\5^"_%7[,4_@KP#9?&WP3;>$W^'WPUG\4:IX'T9/AWJ'BK6_#WC^Q\1Z
MAXC\636.HV37EQX7M?"`\7^"[[1@-O(Z#0OB%^TEK.G_``9TV]\8_%#P]=^(
M?CAXK\"^)-8L/V?/'GBFYA^%&H?"]+R#Q1\0=0\8_LI_#.V\.^,-+^*6I:/I
M_AWQ)9^%?#_A6VM=6CG\0:=XPA\*^)2H!T'[$&N>/K;PO\<?''QBN/CA=>*]
M8U#X:^//%%AX[^".M>#KF?58/V=/AAI?C2Z\#Z!HGPC\/7GBW4(?&7ACQ3X6
M&E:)'K4AM?`?AV2WM7NM=;4_%0&Q\@>"OA_XY\,_![]G#P[K?@'XH+\/?@_X
MP_9N^+WA_P`(6?P<^,-_XF\-_$35O'/P<_X6-//I6G^`I/$-UJ'AG4O`7[<F
MNZQ:ZD9M(33OCA\.FT8Z@=5\.6GAX`]_\1?'O]I*'4/B-H]KI7QP\'W>G_%#
MX1Z_\/KJ7]G/QY\7[:/PSK7Q0UO0OC/\.O&L_@W]G_P_HFJ>#_"?PWATC68K
M?P?XEUG4;VZ\U="^*WBB&\C2S`V^1G_#7Q!^T=X5\#?%.S\+Q?&"XU"W_P"$
M[\5_#K3/%_PDNO#=GXF\*^./VQ/BAJ'Q!^,WB#7)O@:NH^'_`-H"'X<ZH=8T
MWX:6GA75;86']BZWIO@[Q=<>(;CPMX8`_`]@_9B/Q3U+XV>*O&?Q0U;X@7-[
MXN^`'PZL[*&[^&WB+PUX$E_X0GXN_'314L;W7_%?P'^'^JV_Q`TWP_>^&-9N
MK&^LO#?]J7GQ2\3ZII6A'PS#X?MO"@'X'H'B[X9^*KW]H+3--L;3/PB\?>(/
M`GQQ\?P"#47L[CQW\"],U#18VO\`7TL'DT3Q!J7B>/\`9%U71=&M-2M;/4+#
MX#>.7N8HA)J-MXP`V/E_QW\5OB_XKM?BGX`\8^#_`(_Z)I__``N#]G+QG\.=
M;T3X'_$#QYXJ\&V>A_M':=XE^)6D0ZYX7_9QM?`]Y_P@G@OP9X>U;3[=$^)E
MA>W-Y>"S\:>.[>ZMX+$`+KXP?M<6EG_844'Q@O-=@^'_`,`/^%F:K?\`P7UO
M0+/P)X[TK0OB=H?Q^_X55XK\-_LQ>-].\<?;OB-IWP4_Y!GA/XHV=S8>-?$=
M_P"'/L.@6%UK?@P`^H/&OC+XIGPK\$M0U_6OB!X#TCQ%\/[C6?B=XN^`7P>\
M1>./%5C\4VT[P+/X>\)Z?\.O&WPG\;^)/#?P_P!3MM3^)][<3:YX)M=1T^Y\
M*>'['4=3TJ[O'T[70#P_6/B;^U'I_BW[7K5Y\4-$B\/^#_V._&GQ!^'_`(1_
M9YU/QEX9@\6^(/B)H_AW]I[P+\._B!I'@37!XI\'Z/\`#W78-<NM-TG5?%OB
M)]1D\_0O$-I8^%M>TFZ`,_XDZ;XV\+_\-4P6TWQ@UW6=?_:__94\=^"VN?@1
MXO\`B%X5L-"T/_AGCQ;J'B[1K;X5>`=)N_&OA_0-/^'?BG1-3M(?$,DT=M\,
M]"L)[FT\1^(_M_BD#8T/V?\`XF_M7WWQYUGP%\34\83^!O#/Q0^+W@/3]=\:
M_"WQAH4?CGX:>'SXGU?P'\1+?6/!O[-^G>"8O&%Y?)HFF)KDGQ*T'0[[1M/G
MMK;P5)KE]8ZYJ0!V'Q;\1?$>R_:,^&M_JOA_XP>(?#_@7XP7&H>"O`_P]^&$
MOB'P3KO@G6OV7OB'X:M/'6O?$.+PK)9^'/B!/\;?&FL^"OL>O^/?#.D6&D#2
M]9U72++3S)XHN`#P_0?BO^UIX@N;;PRWB;XH>&M4\7>,&^!_@J^U?X:Z1HMS
M::KKNE>$OBWHWQY?4OC'^S!\+;/QYI_ACP;X._::TCQ!X>T[P]H<EU:^&?!.
MDV&E6VK:V/'E\`?J_I-E<Z;I6F:=>:MJ&OW=AI]E976NZM'I4.JZU<VMM'!/
MJVIPZ%IFG:;%J%Y+&UQ,FGZ?86JR3.+>V@A"1(`:%`!0`4`%`'/ZSXIT+P]J
M/A/2=7OOL>H>./$%SX6\+6_V6\G_`+3UVT\*^)O&MQ8^;:V\D=EM\,^#_$=Y
MYUV]O"?[.\E9#<7$$4P!T%`!0`4`9\6K:5+JMYH4.IZ?)K>FZ?IFK:AHT5Y;
M/JNGZ5K5SJUGHVIWFGK(;BUT^_N]!UV"VN)8UCGDT6_2)G:TF$8`:MJVE:!I
M6IZ[KNIZ?HNB:+I][JVL:QJUY;:=I6DZ5IUM)>:AJ>IZA>21V]AI]K:0S3S7
M$\B1Q1Q.[LJJ2`#Q^R_:*^%5]X>U;Q'!?^,(XM%\81^`+SP[>?"KXKZ;\0YO
M&4OAG3/&R^'M)^%FH>"8/&6OZ@/!>K6OB%ETS0KQ4TB*]U-V6QTZ\GM0#0\$
M?'?X9_$+6-(T#PMJGB"75M;\/^,O$NFVFM>`/B%X1\W3OAWX['PT\=VTT_BW
MPMID-CX@T'QM);Z;J&A74D.JVWVZSN9;);2]M[B8`]@H`*`"@#/TG4[;6M*T
MS6+./4(;35M/LM3M8=6TG5=`U6*VO[:.Z@CU/0M=LK/4M%U!8I56:PU"TM;J
MVD#PW$,4T;HH!Q_B7XI>!/"/V;^V==SY_P`0/"?PMN?[&TS6/$W]A^._'7]C
M?\(GH7BS_A&=/O\`_A#/[2_X23PUY=[KO]G6:_\`"3:-YEPG]K67VD`]`H`\
M/\7?M%?"KP)JOQ$T?Q-?^,+&[^%/@_2_'_CR:T^%7Q7UG2M$\&ZS<_9=/\0Q
M:[H?@F[TW6M/:6+5&D;2KN]:"/PSXDFG6*'PQK+Z8`=AXI^)WA#P5\.+[XL>
M)YO$&D^"-*\/VOBG5KI_!/C:XUW1]"N8K>XDOM7\$V7AZ;Q)I7V&VN1/J,-W
MI$,VEPVUW-J4=K%8W+P`'H%`!0`4`%`!0`4`%`&?JTFJPZ5J<VA66GZCK<6G
MWLFC:=JVIW.BZ5?ZK';2-I]EJ>L6>DZI/I.GS78ABFO(-,U&2"-WE2TN600R
M`'A_PP_:2^%GQ!^!WAWXZ7GC?X?^%O#%WX?\*WWC6XN?B!X=NM"^&_BKQ'I/
MA^^N_`OBGQ3+-96FG^(-.U#Q)IFG26]_%IURTUW:AK6%[J.(@&!XW_:1L]!^
M*>K?"[PG:?#_`,1ZA\._#_@WQW\:Y/$?Q=T+P'J/P_\`AQXK\1-IFJ^+M,TF
MZT?4H]=_X1#PS;7/BOQ%::S?^%$M-*UCPLUG<ZA<>)[>&W`/3U^-WP7.E:#K
MJ?%[X7G1/%6G^+=6\+ZPOC_PH=*\1Z5X`MKF\\=ZGH.H#5OL^L:?X<M+.\GU
M>XM))H]-CM)GO&A6)BH!G^+/CQ\+/"?P:\2_'K_A,/#_`(E^&7AKP_K.O_\`
M"1>$_$'AW6=.U_\`L:>YT[^Q?#6K_P!L0Z5JOB"^\06W]A65G_:$7GZK/#8[
MUG?:`#G_`(:_M`>%?''B+Q/X6U'5_A_HNK0?$"_\+_#.'1_B-IWB3_A;WA6+
MX6?#GXQV'C3P='/I>D3:ECP3\2]%NM0LM*BUBVL/*>5-3O+26*ZD`V\K'J&F
M?$+P#K/@V3XBZ-XX\'ZK\/8-/U;5IO'>F>)=%OO!L.E:!)>Q:[J<GB>UO7TV
M/3].ET[4$N[AKD1VS6%P)F0P/M`/'[W]I;P!8>+?#/F^*OA>WP7\5?"_QQX^
MT[XX1?%+13X9@U7P!\1/A[\/-8\/7DC:>NA1:?-JOQ*T*"VU:+Q1-(^HVE_I
MLNG0R10S70&WD>H?\+8^%G_12_A__P`E`_X5/_R.7AW_`)*G_P!$T_Y"7_)0
M/^I>_P"0C_T[4`<_J/[0GP"T?0O#GBG5OCA\']+\,>+_`.U_^$2\1ZC\2_!=
MCH7BC_A'[Q-.U[_A'-7N=:2TUO\`LW4)8[6\^Q2S?9II%BFV.P4@'H&@>+/"
MOBO^V_\`A%O$OA_Q)_PC7B#4O"?B/^P-9T[6/[`\5:-Y/]K^&M;_`+.N9O[*
M\06/VFW^TZ==>5<P>?'YL:[UR`=!0`4`9^K:3I6O:5J>A:[IFGZUHFM:?>Z3
MK&C:M96VHZ5JVE:C;26>H:9J>GWD<EO?Z?=6DTT$UO/&\<L<KHZLK$$`-)TG
M2M`TK3-"T+3-/T71-%T^RTG1M&TFRMM.TK2=*TZVCL]/TS3-/LXX[>PT^UM(
M88(;>"-(XHXD1%55``!H4`%`!0`4`%`!0`4`%`!0`4`>'^+/C5I7@3XT?#_X
M7>+I?!_AS1/B=X/\3:EX,\5ZWXYMM(U76?'WAGQ7X#\.GX<V/A74]&M[?4-0
MU2T^(6E7FFRV.NW5[=2:;J=M_94:V\=S<@;>1H?$3X\?"SX8^%?BMXIU_P`8
M>'Y_^%+>'[?7_B!X<TOQ!X=E\5:)_:NG2:CX4T2[TB]UBU_LWQ!XHVPVNA6>
MI2V/]J7-[;16SMYP:@#G_AG\<K/Q+J-IX5^(%_\`!_P=X]\2^1K?PS\,>#/C
M?H7Q)_X6K\.+[PK8>)+#XD>"!/H/AG6M0\/RSKXKL26T!$/_``AE_>PS3V$D
M5PP!V&A?&[X+^)M5\-:%X:^+WPO\0ZWXRT^^U;P?HVA>/_"FK:KXKTK3+G6[
M/4M3\-:?8:M+<:YI]I=^&O$<$]Q91SQQ2:!J22,K6,XB`/,/B%^U!X5\(?$*
M?X6^'D\/^*/&WAWQ!\`;;QUH5SXTT[1=1T/PK\>OB9#\+;36=&TRQL=8O]:\
M0>'=7U?P=J>IZ-J%IH-LNE>.M"NEU82ZG:V]R`>OZ/\`%CX6>(/^$._X1_XE
M_#_6_P#A8G_"0_\`"O\`^Q_&7AW4O^$Y_P"$2\W_`(2O_A#OL6I2?\)-_8OD
MS?VA_9OVG[%Y3_:?+VG``>(_B-X5T;74^'UEXL^'[?%W6?#^HZUX*^&?B/QQ
MIWAK7?%'V:SU>>TF2PBMM2UJ+P^\^B:FMQJMAH6J_9H=-OYUMK@V4D1`//\`
MX:_M)?"SQWX)^'GB+4_&_P`/_"/B;QQX?^$E]=>`K[X@>'9]=\.^*OC-X0M_
M&'@KP+<0W$UE=W/B#5=/>];2[=["TN=5ATZ:YM+4HKB,`]`L?BQ\+-3UVW\+
M:9\2_A_J'B:Z\0>*?"=IX<L?&7AV[UVY\5>![.UU'QKX:M](M]2>[F\0>']/
MO;.ZU33DB-SI\-W#+=QPI*C,`<_HG[0GP"\2>3_PCGQP^#^O?:/$&@>$[?\`
ML3XE^"]4\_Q5XK_M+_A%O#4/V'6I?,\0:Q_8^K_V?IRYN;S^RKS[/')]FEV`
M'L%`!0`4`<__`,(GX5_X2K_A.O\`A&O#_P#PFW_"/_\`")_\)C_8VG?\)5_P
MBO\`:/\`;'_"-?\`"0_9OM__``C_`/:_^G?V=]H^S?:?W_E^;\U`'04`%`'Q
M!^T[/X.'Q,^"]SK_`.U]X?\`@#<^"O$$_C*[\(ZSXR^!/AS4?['O_A[\8/`L
M'C?PGI_Q+^'^N7^H^(+S5_%4.B2#4KI]"_LJUUF2VM$UNT@N:`/L_2=6TK7M
M*TS7="U/3]:T36M/LM6T;6-)O+;4=*U;2M1MH[S3]3TS4+.22WO]/NK2:&>&
MX@D>.6.5'1F5@2`:%`'YP?M4^!?VD_'_`,3KG7OAAX%_XE'P?^'_`(<U'X;3
M:GH_@+6K/XL_$?\`X75\(?B]J7AR2_N_VB_"5_X,\/V>K_!SX80O?ZCH.]["
MW^(0@6:[_P"$:&J`?@'Q:\&_M#^*_B%XX\6>!]$_:?\`!6D3^'_V8/$OAS1O
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M\-_XM\.VNH1O=$`]@_9@^$GQ'\`?'CXPZ]XW\+?&!=(U/P_?>%O"'COQS\:Y
M?B1H6LZ%H'Q[^-OB#PK8Q:5JOQ@\0ZW'M^%/C/X60Z9-J^@VTUE-H?C$2265
MWKM[+XJ`//\`Q=\)/V@O$GP:^+'@Z^\+?&#6?$WB7X`>+_!7Q`AU#XUZ9=:/
M\8OV@M<G\(VGA3X@_!JWO?C`;3X8_!^PU"W^)>HZUX<EMOAG:ZAH7BW2=)F\
M(ZNEJ-$T0#\#ZOUOPYXFT+5?A!\6/#'@GQAXCE\"?"_Q;\.]5^%>H>*/#U]\
M4$TKXC7/PHUC[>?&7B[QU-H7BKQAX?U7X7Z79:I'JGC`1ZC;ZWK&JP>(+Z^T
MJUT_Q0`>`?M#^#OC]\5=5\/ZKX4\`_%#P'K%G^SA^TSI>G:IX%^*/PYT%]*^
M(?C>Y\$:_P#!CPCXH\36_C'2_$.GZA'J7PLT6^UO_A$O.TBWUG4=(TAO$7B'
MPF_B&>Y`/+[S3OVSM9B\9B\^%WQ_\)_\)#\0/@M\3/",7@+XN?"H7GPVU:Q^
M(^KZG\<_#R:MX]_:F\2VWCSP_=?#*[TS1]'T>_T72O`]]?Z;'<-\._#.9YKT
M`X_Q3K'C+P;\1O"GPD^,FJ?M'^"O`VB>,/&$_A77=+^/$<?B;XJ>%->^/WQ)
MU?PIIO@'6--_:.T+Q[\1M0M/AVGPRT+6M#ET7XO^-#I^H6>E^&_#G@O7-4T[
M7/'8'X'UA^S]X2_:"\/^%?C%IGQYF^('C#4+WP_IZPVF@:GIGAW_`(2[Q>=.
M\5V_CW6_A!XU?]HW6]:\.?\`"13_`-@)IMO+;_!'1-$^SZ9=Z+X;\-W%]K":
M>!MY'S_X8\#_`+6*1>'M:UCPG^T_::SX/^'_`.QQ-JWA^X^/GPVO="^(/Q,^
M%'Q'TO3?VA-2M85^.]VS?\)-\(KBYC@TW4+S0?#WB&:/6]0\3:>_B./0KT`;
M>1Z!\0OA#\3--_X:7MO!7P_^,&K7OQ(_:?\`V;OBEX8\2Z%\2/A[K6SPKX+_
M`.%,>+/%NN^$M&^,_P`3WTKP_P"(-!\0?#CQEIT%EJ>A06UQ_:?@?3(K>^\,
MZ(L?A<#;R,_]G_P!^UIX2^/.LQ>/[OXH'X2:/\4/B]IW@J_USQ3I'Q'TK5?@
M;>GQ/JGPYTCQ)K^O_M-76K0ZA'XBO].O8-7N?A3KGC*./3M-T:\\50>'9[G3
M-)`V\K'8?M,^(O@_-\4_!VD:O\=O@_X&FN?[.\!?'OPCXC^(_P`/_#>HWOPX
M@\1>#_C3HZ>/O#FN^+M-N_%GA^^T_P`'>(_AU#X?N[.[1=*_:F\1ZJJ/I@U:
MP\0`'RA\</VD#K/B;]I#0-#^(GPO\5?#WXM_`_XJ_#G1M/\`#W[3/P&N/#,7
MC+6?#WA[PW\+O%4=Q\5/VI;-]%T]=$E\8OX@L_"WP\\"+;ZCK#07$?CTV-AX
ME4#8Y_4/CI?62V&B>"OCMI^F-_PA_P`6](U'Q+XM_;-^$?C713X9\6?'GP=\
M7OA_X6;3[W]K"#7[SXH:'\#A\1_A7+XILKW0=1BU_6-+@T_QU#X>L[/QIH8!
M^GW[)_C./QI\$O#EY)X_T_XC:II.H>(M#UC6++6_!NO7.F26VN7UYH/AO5M0
M\#_%GXF6=QJ&F^#;_P`,PK<ZAXZ\2:S?6IL]2UR]EU;4;LT!MY6/I"@`H`*`
M"@`H`*`/A"X_8H=O#V@V-M\4M0LO$7P[T_X6^$_A9K>G6'C+PM;:1X!^#GAG
MXK^"_!FG>-W^'OQ2\->)_$OC";PW\;?'RZMKGAKQ=X%LM0NH]#9-$M-.L]3T
MOQ$!L=!8_LJ^(;*2YM8?B!X/TWP[8?"_]F?P3X*T#1/AKXF@C\,>(?V5?&1^
M(_PXU>^U/7_C#K-YXB\'W'C+4-=CU+0)9+34[C1IM,L8O$L&HV%SK6K@'/\`
MQ0_8SU7XPZ&NB>//B'X/OXO%/Q0UKXH?%A;;X27)L=;U6^^"4'[/.BK\,]/U
MGXE:D/AMJ&B?#V+^UK/4=8E\<R1^+K33]=BCAL;'^PYP#T#0/V:M0T_X%_'#
MX0ZQXTT^]UOXW:?XXL]7\=V6G_%#5+F&Y\7_``VTGX;6VK:M!\7/C?\`$#7=
M?U#3=*T;3T5%\5:?:O:Z?9VD-M:-#+=70!Y?XC_8N\5>/+KQ]J/CKXH?#^35
MOB=\0+/Q1XQUKP5\$M1\*ZQ=>%9_V<?&O[,?B'P79ZCK'Q@\0S1[?!/C.[U?
M0+V];4+;0]=NM8O)],U>TUEM/M0-O([#_A0?B'P)\$O'.@K<:A\1_'>J_%#P
M-\7K"\\&P>)KK6M9\9>`M<^%VH>#9]?7]H_]I37Y_$>GV%W\,_#HU2U?XC>&
M5NM`TR33M).G:D(KRY`/F_XA_#+XW_$W^SO^$B^`?B#3_LWP?_:3^'%Q_P`(
MQ\(_V:M*^R^*OVE?M/\`PE/Q.\*_;OV_=0_X1KQ`GD:1]K#?VA<ZK_:OC;[1
MJ$?_``EL7]@`'`7GP-_:DUB+QG%XJ\'?$#QS_P`+%_X4L_CM?'OPR^#'C&S\
M22_!/XCZO\4-*B?1?$'_``4SN=*T'P_X@\0:YJ-OK'A;0;#2?#:V%S);:)H^
MB^;+)*`;]G\/OVI/#_Q.U[QEIOP!\0>*/"5CX@UCQWX-\&>)M+^#&A7FL:[X
M@^-7Q<^-DWAOQSK7A?\`;A72M3_L+Q!X]TQO#7BSQ%X8\>0^'+^-]<T#P?I&
MKVE_<^,P/P/I#]COX6^)OA+JOBK1-5^''Q0\/Z))X/\`!7A?PKXI^(^L^'M:
MU6#PE\-KG7K3PIX-U>]TW]K?XIV\NH16GB_4;N&/PGX+^'7AV&1-9>.PMEO-
M.T^R`/N^@`H`*`"@`H`*`/'_`(U_&CPU\"_"NG^+?%-K]KT_4?$%KX<AC_X3
M/X3^!MMY=Z=JNIQO_:WQC^(O@O1;C$&D7`^R6NJ7%^^[S8K.2WM[J:U`.@^%
MOQ%T?XL>!-"^('A^#[-I&O\`]I_9(/\`A(O`GBO9_96L:AHL_P#Q/_AGXN\3
M^&[_`'7.G3-_Q+=<OO*W>3<^1=PW%M;@;>5CT"@`H`*`"@`H`*`/G_XW_`O_
M`(7!]G\CQ1_PC/VWX?\`Q,^#OBOS=$_MS^TOA9\9/^$0_P"%@6WA[9J^G?\`
M"/?$`?\`"#:!_8WB"\_MO3K#S-0^V^'M7^TP_80#Q#7OV,-0NI/CG%X=^)&G
MZ?:?&#P?\:/"6DW'BK0?BAXTU7P%;?M"^,M.\9_%9=*TR7X]:;X)AT^\ODU(
M64.A>"/#5TDEOH%SJM_K4VF:D?$P!ZA<_`+Q5J.NWEQJGQ!\/R>&/%_Q`^$_
MQB^)FCZ?\/M1L==U?XI_"6S^&":/<^!/$=Q\0[RT\$_#^]U#X->`YKGP_JNB
M>+M1\F37H(O$*/J5G<:(`>'^$OV%=0\/>.5^(.J?$+P?JVMZW\4+;XD?$&ST
M?P%\4/`OA[Q?<Z1\8=>^-OAFXN/#WA']HRSL=9\8:-XK\7Z]:6>M^.H?'EK;
MZ9H?@RTMM'@;0=2F\5`'J'QV_9H\5?%SQ+XCU'2?'?P_T?PQXS\/_`S1/%OA
M#Q[\']1^)=GK'_"AOBQXL^+.@PO);?%7PQ:/X?UK4/%,FE:QI5YIM]]IL+>1
M(;FW>Y+Q`''VG[&&H6WQ&B\=S_$C3]4M#\4+CQM=^&;K0?BAI.E3^'K+X_>-
M?VC/!^D2V'@OX]:#H^O>,-#\=_$KQB8]?\5Z+XGTPQVOAMK3PU83:=JS^*@#
M0\9:;\7?!_Q=\;ZS\._A#X@\9>']?\0#XAQZOJ?@?X)^*_L'Q3D^">D_"/3O
M$G@'7O$7[77P\U7P]X?LO#^CZ+8ZEI=]X274;[=XNM;37H-/\16<VE@'Q!J'
M[+GQ[;P)IGP[\/>"?C!X1\,?\*`T+X%>*])\,^"O@/X5T[Q3+X:UCXI7NE?$
M2YB\$?\`!1/0;N;Q!/I_Q7\2?VMHNM7NO^&]=U74M1U?6-&O'GL;;10#K_'/
MPE_:A\16GQ1\4V?P9U"[^+'CCQA_PG=KJE[\'_V9K/PS?W,'[-'CG]FV#P/X
MLL]=_;J\6OJW@_\`L3Q:NK62ZA;:U:Z9J-WX@FN-&URSUU],MP`U_P"!WQM\
M5:5#H^O?`7XH&[L-/\9:5<>)K/Q!H<$?Q%\/?%2V\+V'C[P[\6-+@_X*80>-
MO&FH6MC\,?A[9:=K6L_%O6=,N-&FGT"Y\)00^&M#OU`/U_TF\N=1TK3-0O-)
MU#0+N_T^RO+K0M6DTJ;5=%N;JVCGGTG4YM"U/4=-EU"SE=K>9]/U"_M6DA<V
M]S/"4E<`T*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M"@`H`*`"@`H`\/U;]F3]FW7M5U/7==_9\^!^M:WK6H7NK:QK&K?"?P'J.JZM
MJNHW,EYJ&IZGJ%YH$EQ?ZA=7<TT\UQ/(\DLDKN[,S$D`S_\`AD[]EC_HVGX`
M?^&;^'7_`,SE`!_PR=^RQ_T;3\`/_#-_#K_YG*`#_AD[]EC_`*-I^`'_`(9O
MX=?_`#.4`<A\0O@'^R)\-?`/CCXC:[^S#\#[O1/`'@_Q-XUUBUTGX+?#&?5;
MG2O"NBWNNZA;Z9!>:-:V\VH26EA,D*3W-O&TC('EC4EU`/'YOV>O`/A76O"^
MA>.?V>OV,&N_C%J&O^$OA_)X3_9PT6YMOA;X^LO`/C+XC:=IWC%]8U2U?XP^
M#QHG@WQ#!/KFFQ_#:]DNM$TY(]$BA\4SS^"P#R_P/8?LX^,KK]CRQM?V</V8
M)M7^,WA_1;OXQ:5IO[+UK=Z/X;UCQ/\`LXZ_\;M+L-`^(\=DWAOPCX@MKG0[
M&5_!NMS:UKMYH7B_3=4CCM;2-+W4@#0\8>'?V>?A;^TOXH\%?$C]G3]E#3?@
M!IOP/M_B-9^*[+]G30'\9:+XRDM/B1XB?PKJTFG?VL-?T]_A[\!OC9XG6\LO
M#.G*BZ+9Z4TCZA)9CQ"`:'P(\#_`ZX^!.E_$S]IS]F+]F#P?XFN_B!X_\%^(
M]/\``'[-&DW?A7X<2^`?&/BGP-JY\:Z[IT?C&TTSP_8:AX&U_4-2\<ZEJ&C>
M&[&VN[>.YN(4MUOM2`,_Q'>_L0K?>`O%'A#X*?LX3?"VR\8?$KPK\<9-?_90
MFT[Q-X-D\$?"/XT?$:[@A?4/#&ES^'?&&@7?P4U5=9\(7WAS5M9;3O$VB7WV
M;3H-4TF?7P#L/BK_`,,&?#/P3XT\2K^S3\'];UWPM\/[_P`9V7A-_P!FE-'E
MU'6(O"!\;:9\/-7U63X3W,?@_P"($GAF2VU_4?#6J0)KNA>&S=^*-7TBVT#3
M;N^@`.@^)GP-^!VB?\*0\5^$/V=OV8-&^''BWX@>$/#GQ*D\=?LM:3)XJTS0
MOB']GTSP,^EZ3+/X:U/PIX@U'Q[>^&/!T]IJOA_5IM-N?B!;ZIJ5G:67A?4X
M;L`Y_P"#?PV_9QO_``)X#\1?&'X"?LP-<_%SQ!K,WPR\1>"_V4+7PMX$O_`E
M]K%KIWPHU+Q-J^ICQ98>"?$'CO2=0\-ZKI>F^)M<T&\N+SQK9>&+;3[C6],N
M%NP-O*QS_P`*+;]C;5-)U/0OBA\`O@!#\1O"WQ@U#X0>(9O"W[(E]H_A"YU'
M6_CC\3?@Y\)]=L9+OPGXAM-/\/\`B;4/AW/8RZH?$FI:5I^MF72;W4K:]>&U
M8`^@/`OP@_8=^)/]J?\`"%_`;X`:M_9'V&>;S?@1X2TC[=H^K_;/[`\7>'O[
M:\&6?_"4_#_7/[.U3^QO%VC?;]"UG^R-0_LO4;O[!<^0`=__`,,G?LL?]&T_
M`#_PS?PZ_P#F<H`/^&3OV6/^C:?@!_X9OX=?_,Y0`?\`#)W[+'_1M/P`_P##
M-_#K_P"9R@`_X9._98_Z-I^`'_AF_AU_\SE`'H'@7X3_``L^%W]J?\*S^&GP
M_P#AU_;GV'^V_P#A!?!OAWPC_;']F?;/[-_M3^P--M/[0^R_VA?^1Y_F>5]N
MN/+V^<^X#;R/0*`"@`H`*`//_'7PG^%GQ0_LO_A9?PT^'_Q$_L+[=_8G_"=>
M#?#OBW^Q_P"T_LG]I?V7_;^FW?\`9_VO^S[#S_(\OS?L5OYF[R4V@'G_`/PR
M=^RQ_P!&T_`#_P`,W\.O_F<H`/\`AD[]EC_HVGX`?^&;^'7_`,SE`!_PR=^R
MQ_T;3\`/_#-_#K_YG*`#_AD[]EC_`*-I^`'_`(9OX=?_`#.4`'_#)W[+'_1M
M/P`_\,W\.O\`YG*`#_AD[]EC_HVGX`?^&;^'7_S.4`'_``R=^RQ_T;3\`/\`
MPS?PZ_\`F<H`/^&3OV6/^C:?@!_X9OX=?_,Y0`?\,G?LL?\`1M/P`_\`#-_#
MK_YG*`#_`(9._98_Z-I^`'_AF_AU_P#,Y0!\P?%GX8?`+X=?%_P#X('[.7[,
M%GX/^)WP_P#&%MI6O7/[-?@O7KSP+\4[3X@?"7X>^`]9\4BUU[29/$GP_P!;
M\3?&/PQH4FC:/IEOJ-O?S6MW<:M:Z/<:A?\`AT`S_AGH?['S?"/X/>*/B[\!
MOV<$\=_$?X7^$?B9JFG_``]_9:@O=%T2V\?V)U+PCHUU8:5H'BV?0=0U>[D?
MPMX>AU;4X;KQIK^D7=AX:L[C4I?['M`-O*QV&DZ=_P`$[];U'PQI.D?`OX/W
MNH>,_P#A5[^%+>']E*Y']O6?QE\*^*O&OP_U?396^%2QS^'[OPSX&\9WE[JX
M?[!HO_"+:K#KEQIUQ8SQ1@'E_COX6>`+#]H76?@AX-_9_P#V,+5M=\'_``L\
M0_#V[\5?LL:+/;:-)XGU_P"(!\>R>+/$MOXTTJS\5ZAI_@WX.>-KS1/"NAV&
MG:SJ]UXEM)F%OX>\#>*M>A`/0(/V>O`/BC6O%&A>!?V>OV,([OX.:AH'A+Q_
M)XL_9PT6VMOBCX^O?`/@WXC:EIW@Y]'U2Y?X.^#SHGC+P]!!KFHQ_$B]CNM<
MU%)-$EA\+03^-`#C_"?PP^%GQ;\1>&KWX?\`[.7[('@#P1XN^'^C?$#PKHGQ
M._9K\.:WX[\5>!/%WPLMM?TGXG^']2\,:]I^B7?_``CGQ6\4^%/"GB3P`JO>
M6=G8G59_$EA%XU\+I=@'@'A>^^%GB+X'>)/B'H'P=_8`^(/B;3?V8/$'[0.K
M)X&_9L\.SZ%\%_%7A#2?"'B.3X._%;3K+XD:S=W?B#Q9I^N^+;'2KJ;4?!]S
M8S?#37+LZ3K217-GI0!]O^.OV5_A9H_A72[S3?A#^Q!X/_L#P_?:U\2_B5XZ
M_9O\.WWA6T_L33K.6_FTOP-!XDT+^P/#]SNUO5)]5U7Q]<_V+;:);V;VVL?V
MI-J>B`'QA!?>`9OAW\%_BMJ'[&_[*'A"T_:%^.%G^S;H7PJ\0?L\Z*?&7P5\
M?7_BWQ?X$F\7^//%<[Z:GQ$T_2M;\`ZQ=77@RW\)>`KUUUB#3SK]K-I,MYJ8
M!]?_``Z_9[^"_B?3_B[X1UC]GK]E!?B%\,/&$O@&'QEIG[.'A2T\&ZQJNK?"
M_P``_$S0O$,GP\NM4N]2L=/L(OB/I^F7>DKXSFDOV\.W%W#J.G#5$M=*`/G_
M`/9LTCX)?$32O#FL?$']F7]G#4;3Q)\#Y/C#=P^%_P!BG7/ACJOAJYTZV\%W
M5]X;\&Z%XW@\1ZE^TII]W%XRN%3Q#\.K1[73Y-`TJ&XBN9O'^@(`#Z0A\$_L
M`3_V:8O@I\`!!>^'];\4ZC>2?L_>'X-.\#:%X=_M^/6[[XLZG-X#2T^#'V74
M/"7B_2WA\=S>')CJO@_7](2-M3T/4+2T`./^)GP[_9<C_9Y^,/Q:^$?[/'[.
M"^(OACX/\7>)&TGXB_LQZ9IMSINJ^"M`'C&\\,>,_A]K&D>$?$_AO4-5\-K;
M2V9O_P"SY$M?$FD:Y%;ZAIUQ;QZB`>'Z;I7PL\1^._V4/`&A_LO?L@66K>-?
M[9T?]J3[;^SSX=U'_A7OCOP[H_Q'^U>#O`NS4].AF_M'QM^SS^T7X<AU:.X\
M66=G_P`(=8ZE(UW:7NF_\)(`?0'B/3O^"=_A#74\,>)_@7\']`\03^(-1\+6
M6DZG^RE<VEYJ>NV=GJ][IECHT<GPJ']L_P#"3?\`"/>(K3PE-8FXA\9W_AS5
MM-\)2:UJ&EW=M;@'G_P\MOV-DTFX\/\`Q5^`7P`N?BGH_B#XE:7?:9\-?V1+
M[4K/Q!IWA'XX_%OX2^&[OPSX=T3PGXPNYO$&KZ?\)?$VM-X8M-8UG58K#PMX
MFUCR/[%T&^O+(`]0^$'@/]C+XS:U\5M.\*_LO_`]]*^&GC#1/#>G^)S\"?#<
M7A[QMI6O>`?"7C6P\3^&]:U+X>6.FZGI\\OB&]BMQI-]J\=SIEMHOB&&X.D^
M+='EN@#P_P`(_"?PKJOCOP?\,]3^!?[$$_C:P^,'Q8T;XMZ)IO[(NG:=_9'P
M:\`Z/X1U_0/%F@:C=_$J]L(?$&MZ3\0/@Y.\*76O26G_``O[38WTQI?AYXC2
M_`.@^)EM^QMX(@^%OC^U^`7P`M?A3>_$#QCX%^,5CK7[(E\?B9X._LOX-^.?
MBII>J3>$H_"=IXD\$?8+;P=8ZAJ%MK?@N^^T^'O%=GKT<VGZ5"E_?@'J%]X;
M_P"">^EW.N6>I?!#X'Z==^%_&&M^"O$MI??LT6=I<^';[PUI7AO7?$?B37(+
MCX;H^D_"_2M$\9^#]0O?B'=+%X1M+7Q7H]Q/K<<.IVKS@;>1[?\`\,G?LL?]
M&T_`#_PS?PZ_^9R@`_X9._98_P"C:?@!_P"&;^'7_P`SE`!_PR=^RQ_T;3\`
M/_#-_#K_`.9R@`_X9._98_Z-I^`'_AF_AU_\SE`!_P`,G?LL?]&T_`#_`,,W
M\.O_`)G*`#_AD[]EC_HVGX`?^&;^'7_S.4`'_#)W[+'_`$;3\`/_``S?PZ_^
M9R@`_P"&3OV6/^C:?@!_X9OX=?\`S.4`'_#)W[+'_1M/P`_\,W\.O_F<H`/^
M&3OV6/\`HVGX`?\`AF_AU_\`,Y0`?\,G?LL?]&T_`#_PS?PZ_P#F<H`^@*`"
M@`H`*`"@#/U;2=*U[2M3T+7=,T_6M$UK3[W2=8T;5K*VU'2M6TK4;:2SU#3-
M3T^\CDM[_3[JTFF@FMYXWCECE='5E8@@'C^F?!&/3[F2\O?B=\4/$UWI&GZM
M8?#*Z\67W@W7KGX.R:OI5[H3ZWX.GO/!)?Q5XPM]$NQI\'B;XBMXZUD6IU&W
MEOY8?$WB1/$(&WR/,/!/['/AKX?2_#'_`(1OXL_&""R^%_B#P]XIL]+N6^$]
MU9^)]=\,_#B;X+:9?>*99/A/]L_Y(E_9_@:2'1;O187L-'M=3$:^)I+O7KT`
MZ_QG^S+X2\?^/O$?COQ7XI\8:M%XCT_X=:3/X,NK3X>2^$M.TKX<:UK&IVNF
M:<9O`#Z[_9^OZ5XR^*/AGQ#;WFN7<>L>'?B]XMT6Y7[#<V,>E`'`>*OV(_`W
MCCX7S_"OQC\1_BAXFTJ?QA\1O&9UG6[7X/:AJL&H?%;4-2USQFMCI%Q\(V\,
M:;J$GB76M;U;3?$MIX=A\4:#)KNIV>@Z[IFDZC=:=.`:%]^QSX:UCPKH7A'Q
M!\6?C!KNG^&OB!\5/BKH]Y=M\)]/UBP^(_Q4T[Q;'+XTL-3\/?"?3I-*\0>%
MO$WCWQCXM\,W6G_9'TO7=:BNF^TV^C:/::0`'BS]BSX8^,_$7B7Q;K>L^()?
M$WCCX?ZSX#\=>)/^$7^"L_BKQ3+K_P`++GX/:EXP_P"$QU#X27/B#P?X@E\'
MR68_L[P?JGASPW]IT[S3H)34]7BU<`]_\4_#VS\9_#B^^'/B37O$%_\`;_#]
MKI,GC5#H6G^-K37=/BMY=)^(>D76F:%;Z5H/Q`TOQ!9V/B+3M1TW2+2'3M7T
M^TO+&UM_LD,<0!Y!\5?V3_A[\4+SX<WT.K>(/AU/\*/^$8_X0-/`FD?#.:S\
M*?\`"%:[I/B/PG_PB.G?$#X=^*+3P!]AU#1;"*X_X1&'0/[:L+6STOQ!_:VF
M:3IEGIH'X''Q?L6Z';V-Y;VGQP^.%IJ6K>,-,\:Z]X@B7X)/JNN:KX>^+FK?
M'KPE;WEO<_!272[33]"^,7B?QKXFMDT[3;&2XD\9W^GZG+J&C66D:;HP'X'I
M_P`"_P!F[X>_L\?\)3;_``[C^Q:1XE_L2&+2/^$6^&>C?V+IWAW^UTT?3?\`
MA(_!W@+1/$GC3R+;5Y(?[2\=:WXLU5_(\^34&N[W4+C40-CZ`H`*`"@`H`*`
M"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`/'_%?P:T?QG\1]"^(&O>(?$%Y
MI^C_``_\;?#.]^&=SI_@34OAQXI\*_$672I_&-IXIL-9\%7FM:A_:,_AOPDT
MD4.N6MML\+VL(M_L]_JT6K@'F$?['/PHMM5^"6NVKZ@-;^!?@_X;>`]`UC5O
M#?PJ\7ZKKGAGX47(O/!MKJ>H>.?AOK5QX4U""[GU>>;5?`4G@W4;B367>6Z+
M:9HYT8#\#K_!'[-'PL^'OBK2/&'AS2?L^K:-_P`)E]GW6'AV*";_`(2741_P
MBWVK[#H-M-)_PKGP3-J_P^\#;9D_X1SP;XEUGP];^9::A+D#;RL9_CS]F[3_
M`!]XA^)GB&\^*7Q0T.3XF>#_``%X-N+#P^GPOAMO!MM\-/$USXP\':_X#O\`
M5?AE?ZMHGC#3?$6K^*;^UUN?4KZZL;KQ3/>Z>]I?:/X?N?#P!H?\*%E7]['\
M9/C!8ZAK/R?$O5M&NOAQX:U'XMQ1?Z'82^+)/#7PVT^/PMX@L_#(A\-Q^*?A
M[%X)\22:5INC176L7%QX;T2YT@#\`_X9[T>'Q%_;6F^//B!HVD:-_IGPS\!Z
M8W@2+P)\%O$<7PL_X4Y8>(_A;HL_@2:;2OL/@FYUJ.W\.:K>:QX56\\2ZGJ#
MZ!)=RQ2VP`?\,]Z/_P`,X_\`#,W_``GGQ`_X1+_A7_\`PJW_`(2S=X$_X3O_
M`(03[+_8W]A?:?\`A!/[!_Y%+_BGOMO_``C_`-L^Q_Z3]H_M?_B9T`:'Q#^"
M]]\0]*^'NFWGQ@^*&@2^`-0T[7'U#0;/X1SR>-O$VC6UJNB>)/'.C>*/A3K.
MA:AJ&F:K;MKEC;:?I.EZ=9ZRUKJMO91WVB:+-HP!YA:_L9^"8]"\+>%]1^)'
MQ@\1>'_`/B"W^(7@"Q\1Z[X0U.\\(_&J&\OM;D^.2>)'\#)KWBWX@7/BW7/%
M7B&XLO%^J^(_#$]_XLOTD\.G3X-.L=,`/;_"?PPC\'^'O&.FV7C3QA?>*_'F
MH7NN>)OB;J<?@UO&5[XFF\,Z-X-TOQ)'IEAX/M?!]GJ&D>%_#/A;3[2V@\*Q
MZ=*OAVWGU"ROKJZOY]0`/(-!_9&\):3X-MO`^L_$/XH>-=*T+X7M\'?`TWB>
M?X>6]SX$\`SR>$IM1T'3[7PC\.M#TWQEI^IR_#_P*NI67CS3_%]EJ5KX:.F7
M]K<:3K>O6.N@'/\`AC]AGX4:+I6D^&O$>O>,/B'X-\.:?\6M/\*>#_$>F_"K
MPQI7A"/XXVWB*P^)H\,:E\(_ACX,UW1]/U?2O%WB6R.BQ:O_`&-;QZA:26NF
MPW.@Z'/HP&WR.PTG]E7P=H?P.^(?P%TGQ1X@T7PQ\2_[:A\0:UX6\&_`GP)K
ML6G>)-)TK0/$&FV.F^`?@YHGA8_VAH6FR6$NI7GAN\U58=2E\G4(GM-.?30`
MM?V6/#5AXO\`"WCBP\?_`!`L/$'ASX@6_P`2+RXL[#X3V\7BO75\$WW@K4[/
M7HHOA:/L/A_5?^$L^+?B*\TWP\VA0GQ)\=?'VNVXM]0U6TETH`X_PU^Q'X&\
M&_%"S^*?AGXC_%#1]4M/&&D>,Y]%MK7X/'2M;U#1-/\`B/H=JOBW5YOA&_B?
MQIJ%QX;^+?Q!TF_\2Z_XAU+Q1JD>OB\U+7;O5M/L=1L@#/N_V#?ACJ.G7NFZ
MOXT^(&NP:GX@U3QYJT'B'2/@KK^CZO\`%C6_%7CK7]5^,&L>#=:^#UUX6U;X
M@7&A?$7Q'X0:2[T.;3?["M?#T:Z:-3\(>'=4T0`]_P#A3\&M'^$$OBG^P/$/
MB#4-/\5?\(--<:%J.G^!-)T+1M1\#?#CPI\+8M2\.:9X*\%:#'H_]J>&?!'A
M?[9IL>=*MIM*7^QM/TFWEEMY0-C0E^$/@V;QEXU\<F#4+;6_'G@^T\&ZM-I-
M_)X>N;"V6.XM=:U_P[KOAY+'7?#_`(PU[2K?P9INJ:W9:M%=3VOPI\!QQO`W
MA6Q>,`^8-,_8`^'.F:?)X='Q*^*#>!KWQAJWC76OAYIFB?`'P7X-UK5?$GPO
MO?@MXJMY-/\`AW\"_#USH>GZW\+=3U70[M-`O-'D5M4N-5M9;;7&75$`-#Q#
M^PGX"\8ZCK&O>.?B-\0/'OB;5_$$OB,Z_P".O!W[-GBW^S;R_P#"O@[P;KR:
M7X7UW]G^Y\+6W]K:%\-_AM#/=OH,M_;?\(1;C3+RP36O$*>(0#[?H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
L*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>a10-2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a10-2.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`#`"*0,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`.?\4^+/"O@70K[Q1XU\2^'_!WAC2_L
MO]I>(O%.LZ=X>T+3OMUY;Z=9_;M7U:YM[2S^T:A=VEM%YLJ>9-=11)EY%5@`
M\+>+/"OCC0K'Q1X*\2^'_%_AC5/M7]F>(O"VLZ=X@T+4?L5Y<:=>_8=7TFYG
MM+OR-0M+NVE\J5_+FMI8GP\;*`#H*`"@`H`\OLOC=\%]0\&ZM\1M.^+WPOO?
MA[H&H1Z3KOCNR\?^%+GP;HNJSR:9%#IFK>)X-6;3=-U"276M'1;>XN8Y&;5K
M,!2;J+>`>@:3JVE:]I6F:[H6IZ?K6B:UI]EJVC:QI-Y;:CI6K:5J-M'>:?J>
MF:A9R26]_I]U:30SPW$$CQRQRHZ,RL"0#/T#Q9X5\5_VW_PBWB7P_P")/^$:
M\0:EX3\1_P!@:SIVL?V!XJT;R?[7\-:W_9US-_97B"Q^TV_VG3KKRKF#SX_-
MC7>N0#H*`/+]<^-WP7\+ZKXDT+Q+\7OA?X=UOP9I]CJWB_1M<\?^%-(U7PII
M6J7.B6>FZGXDT^_U:*XT+3[N[\2^'((+B]C@CFD\0::D;,U]`)0#H-3^(7@'
M1/!L?Q%UCQQX/TCX>S:?I.K0^.]3\2Z+8>#9=*U^2RBT+4X_$]U>QZ:^GZE+
MJ6GI:7"W)CN6O[<0LYG3<`=A0`4`%`'/^*?%GA7P+H5]XH\:^)?#_@[PQI?V
M7^TO$7BG6=.\/:%IWVZ\M].L_MVKZM<V]I9_:-0N[2VB\V5/,FNHHDR\BJP!
MT%`!0`4`%`!0`4`9^F:MI6LVTEYHVIZ?JMI!J&K:3-=:9>6U];0ZKH&JWNA:
M[IDD]K(Z1ZAIVMZ=J&GW=NS"2VNK"XMYE2:!T4`T*`"@`H`*`./\2?$+P#X,
MU7PQH7B[QQX/\*:WXUU`Z3X,T;Q)XET70M5\6ZJ+G3[,Z9X8T_4[V"XU[4!=
MZMI4!M[&.>3S-3M$V[KB,.`:&H^+/"NCZ[X<\+:MXE\/Z7XF\7_VO_PB7AS4
M=9TZQUWQ1_PC]FFHZ]_PCFD7-REWK?\`9NGRQW5Y]BBF^S0R++-L1@Q`.@H`
M*`"@#/LM6TK4+G5K/3M3T^]N]`U"/2==M+*\MKFYT759]*TS78=,U:""1GTW
M4)-$UK1]06WN%CD:UU:SN`IANHG<`S_%/BSPKX%T*^\4>-?$OA_P=X8TO[+_
M`&EXB\4ZSIWA[0M.^W7EOIUG]NU?5KFWM+/[1J%W:6T7FRIYDUU%$F7D56`.
M@H`*`"@`H`*`./U;XA>`=`U74]"UWQQX/T76]%\'WOQ"UC1M6\3:+IVJZ3X!
MTZYDL]0\<:GI]Y>QW%AX/M;N&:";69XTLHI(G1YU92``:'A;Q9X5\<:%8^*/
M!7B7P_XO\,:I]J_LSQ%X6UG3O$&A:C]BO+C3KW[#J^DW,]I=^1J%I=VTOE2O
MY<UM+$^'C90`=!0!Y?KGQN^"_A?5?$FA>)?B]\+_``[K?@S3['5O%^C:YX_\
M*:1JOA32M4N=$L]-U/Q)I]_JT5QH6GW=WXE\.007%['!'-)X@TU(V9KZ`2@&
MA??%CX6:7_P@O]H_$OX?Z=_PM#[)_P`*T^W>,O#MI_PL/^T/[+^P?\(+Y^I)
M_P`);]I_MS1?)_LK[7YO]L6.S=]KB\P`/$?Q8^%G@[74\+>+?B7\/_"OB:3P
M_J/BR/PYXC\9>'=#UV3PKI%GJ^HZMXE32-3U*"[?P_9:?X?UZZN-1$1MH(=$
MOY99%2SF:,`Y_3OVA/@%JVA>(_%.D_'#X/ZGX8\'_P!D?\);XCT[XE^"[W0O
M"W_"07CZ=H/_``D>KVVM/::)_:6H1R6MG]LEA^TS1M%#O=2H`.@U_P"+'PL\
M)^%=$\=>*?B7\/\`PUX)\2_V;_PCGC'7_&7AW1O"NO\`]LZ=-K&D?V)XAU'4
MH;#5?MVD6UQ>VWV6XE\^V@DGBW1(S``+GXL?"RPUWQ3X6O/B7\/[+Q-X&\/W
M'BSQKX<N?&7AVWUWP?X5M+.QU&[\2^*=(EU);OP_X?AT_5-,NI-1OXK>V2'4
M;65I`EQ&S@&AIGQ"\`ZSX-D^(NC>./!^J_#V#3]6U:;QWIGB71;[P;#I6@27
ML6NZG)XGM;U]-CT_3I=.U!+NX:Y$=LUA<"9D,#[0#/\``OQ8^%GQ/_M3_A6?
MQ+^'_P`0_P"POL/]M_\`""^,O#OBW^Q_[3^V?V;_`&I_8&I77]G_`&O^S[_R
M//\`+\W[%<>7N\E]H!Z!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%
M`!0`4`%`'S_\4TO/#WQ'^%_Q0U32/$'B/X?^"/#_`,2M)U?2O"WAS7?'.N^'
M_&WC*7P):^#/B'8^`_#FG7^JZM]@\/Z3\1/"DNHZ!8:CJ^GP_%.5?LJ^'[_Q
M'J&E`'SAXW\=_%#P3KC>(/!^F?'#PQ\-_&'C#X$^-?!_@OPW\`-/\42?8;WX
MV^,+7]JFW\3Z%X$^%.O>(_!>G^)OAIK7AWXDA/&%QI'BZ;6=<NX;.6UU2UUW
MPUIX&WE8X_PUXU_:.U;_`(57YOQ7^/\`:?\`"5?M`?%;X8:S_;'[(=UIO]D?
M!.P_X6'_`,('\2/&/VKX*V']D?$"_P#[7^$W]G^*W_X1[PA:?VBG]K^$-5_X
M0[QE]O`,^T^+G[7<7P[\0:CXKE\8>%?B%I/Q0^!071O#'P$^)WQ7MM-D\1>+
M=2L_CGX5U#3K']GCPS9^*/@?H/@VPO-0TV3P/XJ\5:REUHX@;XIZL/$F@#40
M-OD>@?LN1_%#_AHWXW7?Q,\1?'#7;N#P?'X*TK4O'OPCT_P;X-U_2OAY^T'^
MT'8^&;C3O%^@?!WPQHFMZA:_#?7/A[KEJ^EZJT>I-\4?$4XBO8=(@M_"('X'
MR!XU^'_CGQ+\'OVCO#NA^`?BA_PKWXP>,/VD?B]X@\(7GP<^,.G^)O$?Q$TG
MQS\8_P#A7,\&E:AX"B\0VNH>)M2\>_L-Z[H]KII@TA].^"'Q%;63IYTOQ':>
M(0-CZ/\`BM\?_C[%KOQFL_!'AWX_^']"UKX/^)M?^#][8_`7QIXRUW0_BGX<
ML_!-Y\--$M]+3]FB?1?#7A_Q_#?>*+G5+/Q/XF\>:C8PB&UU%_AIK]C=:$@&
MWD9_P^\2?M"Z?X\^,FK>&%^*&N2>+M0^+?C?X>+XB^`>O_#SP;\8?BYHG[-O
M[/FC^'?#GQ&L_'7@S1M6^!WPOTCQ%H^M:7X1EG\2VL_B9M+U*SUKQ2]]X8BN
M/B"!M\CH/@E=_&CQ/\>?@_XS^)>M_%";3=/\'_M$^`]-5_A=XKL-*>.Y/P`\
M5Z;:_%'Q%XL_91^%<^EZAK5W'XMN+35;#0?"NC7$?PJ\*:/875UK(\4KXN`V
M^1[A^T%\,_%7B;QMX>@\+6F_PQ\;O#]C\#OC>BP:C<Q7W@31/%]E\0`NMWMM
M87+>#_#\GPBD_:>\&PZSID^FWDGB3XS^#X&E#I8ZKX6`_`^?_P!H;XH?%^[U
M']J/X67'P]^,&J^`O&_P`^,7A;P39Z;\*?B!X^^R?$<>%="\->!['0-7^&WP
M0CT72_#_`(U@U[Q9K+S:CX_^(;P_8M-CU.3P%?VU]X;N`-O(S]0^+G[4>C+8
M:/X>E^.'C'7I_!_Q;M[R7Q;\!-3\/:+;:4/CSX.USX4?$-O%OAO]GAK#3?B@
M_P"R5K7CF_ET*+2]?C@U_P`)Z7H=[X"N_&+R^%]?`V/H!/&WQHNO@-\+M<UR
M^\8:)J6I^,-7TKXJ^,?A[\,/%>M_%#POX!TX?$"#PIX@T/X:^._@CI^K:WXP
MU+Q%I'PPTC79X_@_'926_BCQ'K.D:#H^C+9ZEH0!X?\`$/X@?M6)IVG6_A/Q
M'\8-)UFX^`'[2?B2QBM/V=5\1_\`"0:[X`\57.I_LOZG?ZL_PQ?3/`7Q@^(G
M@+2;F?Q-X9UE$ABS+HEGX.\(^(]?T6:R`V\C0^.MEXAU#5?VP?$.F0?'#7]*
M^+O["'A+1OA]X4M/@WXFO=*O?$.K7/QJ\.V_A6*/2?A6GB'2?&&E:EXS\.W\
MF@:YJ<.IVD?Q-\27NK6ATG0;<^#P/P.?\-_%S]KN']HNZ\':C+XPUGX6KXP^
M#VJ^&_%_B'X"?$[P;X9\4>&?BCX7\'7_`,3/#\FF^&_V>/$D^BZ?X0N[K7(]
M`@\4^/O`>H^&]1OEA\<:]XQ@TR^@TT#;Y'ZGT`%`&?9:MI6H7.K6>G:GI][=
MZ!J$>DZ[:65Y;7-SHNJSZ5IFNPZ9JT$$C/INH2:)K6CZ@MO<+'(UKJUG<!3#
M=1.X!H4`>?\`Q5\;7GPW^''C3QQIGA3Q!XZU;PUX?U#4=$\$^%M*UW6-=\6:
MZL1BT/PY8VGAK0]8OX/[0U>6SM9;]--NH=/AGEO[M5M+.>2,`_-#X;^)/V@/
MAC\"_P!HCP!=:=\4+'XEZ+\+_`GQ5^$WCSP!\-_C-\0;;Q3X^UGX;>#M$U[P
M[%I_Q4_9WLK;_A,/$GQ2T.#QKXNL)-.O;U+KX\>+KF^N+76O#'B76;`#8T/&
MGQ._:X\.ZL+[2O%?Q@\4>&/^&@/A5X=U2/0?V3-;L+RP^!/QC^!UAXC\>?$7
M0M.NOAWJ^IW'_"!>/?[8B\/:!)#JVL>&[_2CI?Q$?QD^L:?9P@;>5CH/&WCC
M]I_1?"OC_P`3^&?%GQ_U;PD_P_\`BKH'P9U8_`/P_>_$SQ#\3-%T[X2>+?A;
MK?C+X967P(BU[PQ_;7BV?X^^!KN\U?PAX=\/#P]X2\-7>RQU?6-/\3>)@-CR
M_P#:`\8?M"^/_!?Q]TKPOXB_:/O_`(>ZWXP\<>"_#/A&+]D[7]'\3:W\//'_
M`.ROXQU[3-+O+G7_`(&KJNH^#T^/^BV7@6VO-.TO2M7T;3M7O[GQ%K]Z?$'A
M[5M#`_`^X/B9XE\9:?I7PD^P^,?CAH/P]U3P?JMYXG^)?@7X,Q^,OC1>>,K>
MV\$_\()I/BCX:'X*^)7\+:?KVB7_`,1M5UMU^'&C+IVK>&M(T]KG0S=KI.L@
M'G_P@TSQEXG_`&A?%VK?&31_&$6MZM^SA^R[>>)/!^H_#6.3X):'\7/!>O\`
MB_QIXCTGP1\0+CP5<V.MZAX)\5^(=`UC27MO'.NSK?>,]<=;G4&\,6J>#P/P
M/'[G6?C1XI\5_`2#Q'XR^.%EXXE^*'A;4/'6F3?LH^*[OP;^SUXFU/X+_M`^
M!/B>?AW\2=*^&%IX8\6>#V\2_$;PGX>\/ZUXAUCQYIVDMHUKXEU/4O%.ARZB
MD@&QQ_CCX_\`[7'_``KWX<7?AKP[\?\`2/%NK?`"VM?&%Q#\!=;U;4?^%RZ3
M\,_%GB%_$NF^!H?V:-5L_#_]J_&WP_X?\!7K:_XNL(_[*U?5;_2_`UII%_H'
MQ#H`Z#QA\;_C[9>(M1^%</Q#^,&E>(/$/B#4/''A;X@:;^RCXT'V7X9W/PL^
M`=[<7>@>%+7X%>.;G5O#_AOXF_$GQM;/X#U;3(?$(_LW3=)\3_$_PSJ%C`/'
M8!]`?LZ^/OCCXB^*?BK1O&^L_P#"2?#@>']<U#P?XE;1M6O=.\3Z%I_B+1++
MX3^._"GCCPA\#/#OPXN/^$S^&NHCQ-X@L[#XC^.)I]5U6V;1M(\&V6EZOX>T
MX#;R/G_XA_$;]JR+XF?'_0?A_P"-/C_'H6C^'_V@-1^',=[^RTNI:/-KO@GX
M>_"?QA\,_#G@7QI)\$K+3KG^UOB,_P`:_#,-_KEUXJAUC0O"UC8V"_V_XBT'
MQ/<@;'8?MEV7B'7[FT\7^'8/CAJVB>-OV,/VKO`&A^$/"?P;\3>([:X\9?$3
M2OA<?!WA[QCI6G_"O4/%G@+4/$#3-=3KKMYH*VEU\,M.MV;3U_MZTUX`Y_Q7
M\7/VN]%OM=L/#4OC#Q#ING^,$\2Z?XVU_P"`GQ.\+:5<V/B;X1_!GQ5X#\&0
M^#?!O[/'C_Q-J/PO?QQJ7QXL]9T5+6U\7:)'X1T31]>^(^AZS<6+>+P#]3Z`
M"@`H`*`/C#XWZ?XMUC]I+X)?\(*/&&E^)/"GPO\`BUJ6G>($\,?$-?A?>:KJ
MWCSX%ZU%\.?'_CG1/#>H>&=*T_QEX'^''Q.T5I=735I-"N+O2=>M=*FUZ#PQ
M'>@'A_AC4OVFO"?A7]C_`.'&@67B#X?^#Y_@!^S_`.%M=U5/!OBC6-8TKQ?J
M6G6_A7XJ6/BO1;'X!_$"/PWX@\'^&4\-ZAX?F\6:S\,=$M==U&YFUZ3Q?H^F
MZMH^A`?@>@?#*3]KW6?'?@'2_'/BWQ!H_A@_V#<>,[^/PQX3C@U*\^`^C^*/
MAW\:;6WFO/@Q8KX9\/\`Q<^+NN?#;Q3X4M7O+Z_U+P;X9\7:UIFJ>%7N;3P_
M:`;&?\6[S4-*_:2^(/Q`'@SXH>,_#OPV^%_[/FIW7@/3?A)\4-;\,_%#6O"?
MCSXR:E/'X+UW0O",NF^*?BAX,E^*/@/Q#H%A/?:CH!U&6]DU*'2]1\,IXS^%
M@'X'H&E^*]%MM:^,.M^*_AE\4/B!HGQ\U#3(/`&G2_!+Q]?W.N>!M&\`Z#\/
MKSX+^-=)\:^%]./PLT^/XA6GQ!UN*W^(J^%O!]Q:_&&76K76)EU#Q1)HP&WD
M<?\`#"#6/AGXH\.^&_$GA'X@>-_$WA#P_P"%=7^//B[6/AUX[\6:%=_$+P;^
MS+X?\-7_`.T=\$?BC>^';J[\>^(-:T^WL?A9J?@[3?.\3:K-=2ZG8Z/IB:5X
MGE\<`'C^D?#;XA2?L.GQ-XT'B#6?%OA_]B#QO^SY\//A?X7^`_Q,\)^.]&U'
MQ_X2\&^%M:\/>-/#&JZMXCU[QEX@A\6_#GP;96NNZ9HGA72H[-=9UJ6WGTC4
M;6[T8#\#[/\`B[\5+'PCI7@3Q7X;\`>,-=\9>--/O]&\)>*$^!'Q<\:R?#7P
MSK]MHFO>(]8\?Z%X-\'S^+-`T\MI/AHMX,E31-1US6=-TG3KJ31[;3]3U[PH
M`?G#HOPY\0VGP!_9&^%/A#X8?'"RD_9\_:OT/]HKQ-H_CGX;^)K/Q#H'P!T_
MXC?$SQQI>H7^O6&@IX9\;_%"+P/X[\'R7_@;P3?ZSXC_`+3N-2TV#1/MVD7]
MI8`'Z/?"&_DM#^T3\4;W0_&&F^%/&?Q0C\>>&(-3\#>,M,\9:KX9\-?`;X-^
M!M4NH_AI?Z%#XP@U!O%'@#Q39VFE3Z%%J.HK96]SI]K=6NIV$]Z`?&'P(MOB
M/X8^''P_U33],^/_`(I\0?#;]D#4_`FI1>.?A=+\,]=^"OC;6HO@E:V?A'X4
MV^K?!72O^%C^'X_^$3\2:KJMV?"_QKU>WA^$>AQ:9;7^H>(%T3X@@'8>$?C-
M^U?XMTKPPV@>$/&%[XX\.>#_`(Z0ZSX2\4?#;QA\,/#.L^(?#=M\0;/X+^*/
M&7C/XJ_!3PEIOQ)T_P`5RV7PK5]*\$ZO\&]3TW4?$6JZM>Z--H<UYH_P\`_`
M^G_V7_%'Q+\4^`=7N?B?-J%SJFG^,-0TS1+S7/#/C?PSXFNO#PT7P_J*2>)%
M\:?`CX.IJ^H)K>HZY#!?Z#X"TO3!I]OIMH\U]JUAJEY<`;?(^D*`"@`H`*`"
M@#C_`!K\0O`/PTTJWUWXC>./!_@#1+O4(M)M=8\:^)=%\*Z5<ZK/;7=Y!IEO
MJ&NWMK;S:A):6%].ENDAD:.RG<*5A<J`:'_"6>%?^$J_X07_`(27P_\`\)M_
MPC__``EG_"'?VSIW_"5?\(K_`&C_`&/_`,)+_P`(]]I^W_\`"/\`]K_Z#_:/
MV?[-]I_<>9YORT`<_P#\+8^%G_""?\+1_P"%E_#_`/X5E_T47_A,O#O_``@G
M_(8_X1W_`)&[^TO[*_Y&#_B6?\??_'Y_HO\`K_DH`+[XL?"S2_\`A!?[1^)?
MP_T[_A:'V3_A6GV[QEX=M/\`A8?]H?V7]@_X07S]23_A+?M/]N:+Y/\`97VO
MS?[8L=F[[7%Y@!Z!0!S_`(6\6>%?'&A6/BCP5XE\/^+_``QJGVK^S/$7A;6=
M.\0:%J/V*\N-.O?L.KZ3<SVEWY&H6EW;2^5*_ES6TL3X>-E`!T%`'C^F_M"?
M`+6/[`_LCXX?!_5/^$J\03>$_"W]F_$OP7>_\))XJMO[$^T>&M`^RZT_]L>(
M(O\`A)?#F_3K3SKE?[?TW=&/MT'F@'H&H^+/"NCZ[X<\+:MXE\/Z7XF\7_VO
M_P`(EX<U'6=.L==\4?\`"/V::CKW_".:1<W*7>M_V;I\L=U>?8HIOLT,BRS;
M$8,0#H*`"@`H`*`"@`H`*`/#_&WQJTKPA\8?@U\((9?!^IZW\4]0\26VH:3)
MXYMM/\?>&=*TKP-XU\8Z-XMLOA\NC75QXA\'WUWX!UW1+G5)=0TF.RO9[!(A
M?M/-':`'0+\;O@N=*T'74^+WPO.B>*M/\6ZMX7UA?'_A0Z5XCTKP!;7-YX[U
M/0=0&K?9]8T_PY:6=Y/J]Q:231Z;':3/>-"L3%0#S_QM^TMX`\(1_!KQ9#XJ
M^%^I?!?XI^,/$G@K4/C!)\4M%T_PSX8U72O!OC7Q/HUQ97RZ?=:%XAT^^U7P
M#KOA^Y>7Q%I,EEJ,]A#%%?R3S16@![!JWQ"\`Z!JNIZ%KOCCP?HNMZ+X/O?B
M%K&C:MXFT73M5TGP#IUS)9ZAXXU/3[R]CN+#P?:W<,T$VLSQI9121.CSJRD`
M`\`^!W[4_A[XOZKI%K=S_"_PS:?$+P?H'C[X+6.G_&GPSXH\?>._#VJ7/CB/
M7M.UOX<KIFF:EX5\8>%(O!K1ZY9:?+XFTRVO9-4L;?6KN;P[J)A`V\CU_0OC
M=\%_$VJ^&M"\-?%[X7^(=;\9:??:MX/T;0O'_A35M5\5Z5IESK=GJ6I^&M/L
M-6EN-<T^TN_#7B.">XLHYXXI-`U))&5K&<1`'F'Q"_:@\*^$/B%/\+?#R>'_
M`!1XV\.^(/@#;>.M"N?&FG:+J.A^%?CU\3(?A;::SHVF6-CK%_K7B#P[J^K^
M#M3U/1M0M-!METKQUH5TNK"74[6WN0#U_1_BQ\+/$'_"'?\`"/\`Q+^'^M_\
M+$_X2'_A7_\`8_C+P[J7_"<_\(EYO_"5_P#"'?8M2D_X2;^Q?)F_M#^S?M/V
M+RG^T^7M.``\1_$;PKHVNI\/K+Q9\/V^+NL^']1UKP5\,_$?CC3O#6N^*/LU
MGJ\]I,EA%;:EK47A]Y]$U-;C5;#0M5^S0Z;?SK;7!LI(B`>?_#[]I+X6>+?A
M9HOQ+U_QO\/_``-CX?\`PL\=?$#1-8^('AT?\*M_X6WX=TG7_"FE^,=2O9K#
M^R/M_P#:\,&GW.I6NF_VE\DEM#^]"``]`L?BQ\+-3UVW\+:9\2_A_J'B:Z\0
M>*?"=IX<L?&7AV[UVY\5>![.UU'QKX:M](M]2>[F\0>']/O;.ZU33DB-SI\-
MW#+=QPI*C,`<_HG[0GP"\2>3_P`(Y\</@_KWVCQ!H'A.W_L3XE^"]4\_Q5XK
M_M+_`(1;PU#]AUJ7S/$&L?V/J_\`9^G+FYO/[*O/L\<GV:78`>P4`%`!0`4`
M?$'[/>E_"GPA\3/'EWX2N_VG[_5_BAX@;5-/@^*7@7]M"T\*Z%IVG_#WP)HM
MW::[K_QKL9O#>I^()+GX=W-U:^)]9EM-56VUBT\,V<[6EI:6UR`?;]`!0!GZ
MMJVE:!I6IZ[KNIZ?HNB:+I][JVL:QJUY;:=I6DZ5IUM)>:AJ>IZA>21V]AI]
MK:0S3S7$\B1Q1Q.[LJJ2`#R_1/VA/@%XD\G_`(1SXX?!_7OM'B#0/"=O_8GQ
M+\%ZIY_BKQ7_`&E_PBWAJ'[#K4OF>(-8_L?5_P"S].7-S>?V5>?9XY/LTNP`
M(?VA/@%<?V;]G^.'P?G_`+8\/ZWXLTCR?B7X+D_M3PKX;_M__A(_$NF[-:/V
M[P_I?_"*>*?MNHP[[:U_X1K5?/DC_L^X\D`T+CXW?!>TN;NSNOB]\+[:[L-0
M\:Z3?6EQX_\`"D-S9:K\-=*BUWXC:9=P2:L'MM0\*Z)/!J&MV\BK)I5K,EQ?
M+!"X<@'/^`OCYX`^,4?Q3L_@MXD\'^/];^&6H6NB,MIXST67PSK>JZQX-TGQ
M7X=OHO$7A1O$4]CX/O+O5+G0Y-8.DW$D6H^%O$D,%C=MI#+.`?,&F_MUZKKW
MP2^!7Q'\/_"'3YOB%\:?BAX?^'EW\)M4^)-SIUS\.=*\5ZY:Z-X?^(7B[6K+
MX=ZAJ5MX/N8O%_P;O_M;^&((S:_&OPE+!+.-:TK^V`-O*Q]GZQ\6/A9X<_X3
M'^W_`(E_#_0O^%=?\(]_PL#^V/&7AW2_^$%_X2[RO^$4_P"$Q^VZE%_PC']M
M>?#_`&?_`&E]F^V^<GV;S=XR`>?_``X_:`\*^,_%_C[P+JVK_#_0O$WA?XP>
M,OA7X2TK2OB-IWB*\^(?_"%>"?!7CK7K[1;&YTO2+O\`X2#0]/\`&D=CXBT&
MRM]4_L*_T:^@FO[A(Q,0#`\1?$O]ECXT>*OAU\'/$%W\'_C-_P`+`\/^+OB7
MX%L-0G^'7Q$\*WO_``@&HP>%KR[TRUO;^^^T^()O[5\8QV,NGV5QOMO`_C=6
MN(?[&NHW`.?\3?M"_%/0M=\<^%K+X2?#^^\3:#\8/AK\./!7AR]^,WB+2M=^
M(/A7XE6<NHVGQ.L=(B^"%[=VOA_2M/74[K4!81:U;10_##XKRKJ#I\/I&UD`
M[_XG?M`>%?`?A"7QSH6K_#_Q9X8\+?&#P3\*_BQJC_$;3M'L_AE_PDOC;P]X
M%\17VKWMGI>K6D/B#POJ'BO1+[4=!UBXT#RK`W<\]_;/!##>`'8-\;O@O'I6
MO:ZWQ>^%\>B>%-/\):MXGUAO'_A1=*\-Z5X_MK:\\":GKVH'5A;Z/I_B2TO;
M.?2+B[DACU*.[A>S:995+`'J%`!0`4`%`!0!\W_$7X\:K\.?CS\$_A->^"M/
MNO!OQAT_Q?)/\2F\77-C)X'U7PJ=(T^UL]>\-S>$GL?[/U_Q7XR^'/AG2+UO
M$MO)>:SXRAT];07)L8]9`V\C`^$?[4FE>/M*^-WC3QMI_@_X3_"WX3_%"X^'
MFA_$'Q#\1[9M*\;:4UMH>K>'OB%)<:OX;T72-`\'^*/#OC/P%J6@7=OK>M1Z
MK'XG5H)?(%E<:L`=?\4_V@/"OP]O-$T?2=7^'_B;Q-)\8/@Q\*_%O@ZX^(VG
M:'XO\,_\+IUVVT?0;ZU\/6VEZK=ZGX@73[J3Q#!H-XFC?;M$T36]0AOU33"L
MX!V"_&[X+G2M!UU/B]\+SHGBK3_%NK>%]87Q_P"%#I7B/2O`%M<WGCO4]!U`
M:M]GUC3_``Y:6=Y/J]Q:231Z;':3/>-"L3%0#S#7/VCO[1_9]\&_M"_"'P[X
M?\<^&/%/_"%ZEJ$'BGQU_P`(59^#?"OB?4[31?$FO^*]?\,>%O&UII7_``@N
MH7K3>*XY%6VT:P\.^)KJ>]WZ(;:\`-_P?\;_`.T-=\>VGC^W^'_P^\,:/\8(
MO@S\+_%+?$S^THOB[XJ>S2ZGT[1+?6O"'A^TC\06VH3R>')M%TG4_$5S'XD\
M+^,-&)W^&S/J`&WD9^A_M+>`(/$WQK\(_$[Q5\+_`(7ZW\&?&$6FWMKJWQ2T
M7S+[P#K'A[X<:[X6^(VIP>(-/T"?PWI^H7?Q,T309HI(;RR@UF-["VU6_:6%
MY`-O*Q[AIWBSPKJVN^(_"VD^)?#^I^)O!_\`9'_"6^'-.UG3KW7?"W_"06;Z
MCH/_``D>D6UR]WHG]I:?')=6?VR*'[3#&TL.]%+``Z"@`H`*`"@`H`*`"@#Q
M_P"->C_%C6_"NGVGP<UW_A'O$T?B"UN+Z\_X2OPUX/\`,T)-.U6.YM?[3\4_
M`3XMVD^[4)=+?[+'X;LIF\GS%U2!(9+34@#H/A;I_CO2O`FA6'Q+U/\`MCQM
M!_:?]M:C_;NC^)?M'FZQJ$VG?\3K0/A;\.;"\\O29+"+]QX-T;R_*\J3[9+$
M^H7P&WR/0*`/F_Q9?R?#KXT:C\3O%>A^,/$/@W6?A?X4\!^$+WP5X&\9?%'5
M?!'B;3/%?C?Q!X]M;CPMX&T+6-=T#3_&FE:E\.I'U73=-GTZ[D^$D%MK]U8W
M-CX8AUD`^4-4@^*?PQU_X1:5H7A'X@:;JUE\/_VBX!+X9^'7B+QOIWP;^%GQ
M<_:?^#7C'0?".EZQH7AW6_!,7Q`^'_[-_@_QM;Z+X1L;GQ#IT6J_#K1-"TG3
MO$%IJ_A[3_$X!T%@-8E_8'_:.\/#0OC!KOB;4O\`AK_0-*L_$7P?\=Z+\1_&
MFH_%3XB?$[5/`>M)X%M?A]HUW=_\)!I_C[PQJ%S>:/X>M-*L'U"_6X334T;4
M(-,`V\K'G_A;PKXET?XU?LPWVL>%/B!<^"/@Y\0-=^&_P9EL_A3\6#%X,^$_
MC3X8_&J[L;S7I_\`A!H9M,\/Q^"?B)^QGX`O-2\<R1:E9>)/A'X^$YCBTCQ%
MK>L`;?(T$^+G[4>O?&VP\%K+\</ASX*U;XH0:=-J5U\!-3^(%MH/A+QKH?Q>
ML==TC5?%]K^SQH7AC1=0\%>)?#OP<M]!U?3]>\=^';.Z\?ZKK&M>*OB7X9LW
MM]$`#P7XL_:%T;PW\9I/!FB?%#2)9]0^)'C?X8>#]9^%&OZ#X>O/!OQ!_;-^
M*FK^.OBA>^(O$7P@O_$>B?'#3?AIJXU#1_AO-HWB-O[,AT+7+7POXUOO$5UX
M;\.`?@>H?LQ'XIZE\;/%7C/XH:M\0+F]\7?`#X=6=E#=_#;Q%X:\"2_\(3\7
M?CIHJ6-[K_BOX#_#_5;?X@:;X?O?#&LW5C?67AO^U+SXI>)]4TK0CX9A\/VW
MA0#\#L-'\`>,O#_QM\2JWA[4-<^%OPRU#XC_`!]^&WAS24CM;G4?B'\:M#M-
M+32_#OB7Q!)I5CJWC"'Q6?VN+W5-)UOQ%'I&FVO[0'@.3S%@CL8_!8&WE8^/
M_%/Q*_:2\>^"_"F@6>B_'"P^-'P_^.'C#5OA?XWMO@7X\GCU32M1_97^).C^
M"M3\6^+?'W[+W@+P/!I][\:_'R^";^XU#P/X/CT[1F%Y<-''83>,;H`]`\7?
M'/\`:>;6O&A^&=G\4+OP;8?%#Q!J_AGQ'\2/@#\6O"US'HNH>`?A5JGP^\"7
M'AKPU^RMXA\2^+OA>?'$OQYLM4-EX=T;7XK7PCX?CO/B%H=SJ^D2>,0#]3Z`
M/E#]J;Q/\4/#&G^%)?A-JOQ0MO$5SI_Q3:\T?P)\)=/^).BWFE:?\+_$FHKK
MVMWNH>';E-&\8:!K=MHM_P"$-!_MC3(_&6OO:^%+R)=.UF\\0>#0#Z/\)S?:
M/"OAJX_M+Q!K'G^']&F_M?Q9HG_"->*M5\W3K9_[2\2^'/[`T+^P/$%SN\Z]
MTW^Q-&^RW,LT']GV?E?9X0`\4^+/"O@70K[Q1XU\2^'_``=X8TO[+_:7B+Q3
MK.G>'M"T[[=>6^G6?V[5]6N;>TL_M&H7=I;1>;*GF374429>158`\?\`^&L?
MV6/^CEO@!_X>3X=?_-'0`?\`#6/[+'_1RWP`_P##R?#K_P":.@#Y0\:^*/@7
MK/Q)M_&O@K]NW]G#P1I4_P`4(OB]K%G<Z_\`#;Q5XMB\92_`N[_9RU"?PEXE
MO/BI9Z)HNGK\-Y;2\L+76O"'B=;;Q%:'4+TZII,QT!0#Q":Y^%F@Z/J7@BV_
M;.^#_B'5OB%\8-%^)EC\8_"'QJ\.^%]8^!?D>!-`^#?Q3NY?%OQ>_:?^)'C'
MQ+X@\3?`G_A*="\)2PZ9XC_L/7=4>[GN-*M(-'N_#8!]?^./BY^RQJVC_#BW
M^'O[4G[,'P^U;X/>(+;7_AO#-XW^'6M>!-(\KP)XL^&+:)J7@G1/B!X;FN?#
M\/@GQOKL-E9Z7K>B?9+RWTJ??-:64VG7X!\_^$]%_93^&GC3PUXF^'?[:7P`
M_L_PAX?T:+P_I7Q%^++>+/[,\;>%_@%;?L\>&_&$&C>$/VB/!?@>XQX+TC1?
M[16^\#7FKW?VK7[>TU_3;?4-+3PR`'PSB^`7@'PKX7^'^H?MV?LP:[X)L?$'
MP8\8^+H;+5O!>A>*M=\5?`'3OA?HGPZE\.:_/\<M3L/"GA^;2/@?\+5UO3[W
M0_$-S?W,?BJ:QU#2(M=TZV\+`?@<?X2\#?LT>'O'*_$'5/VV/V4-6UO6_BA;
M?$CX@V>C^)[OP)X>\7W.D?&'7OC;X9N+CP]X1_:OL['6?&&C>*_%^O6EGK?C
MJ'QY:V^F:'X,M+;1X&T'4IO%0!ZA\=M:^`7Q<\2^(]1TG]M']D#1_#'C/P_\
M#-$\6^$/'LG@OXEV>L?\*&^+'BSXLZ#"\EM\>/#%H_A_6M0\4R:5K&E7FFWW
MVFPMY$AN;=[DO$`<?::!^S1;?$:+QW/^V]^SAJEH?BA<>-KOPQ=?$>[TG2I_
M#UE\?O&O[1G@_2)=/\%_M/:#H^O>,-#\=_$KQB8]?\5Z+XGTPQVOAM[3PU83
M:=JS^*@#0\9?M/\`PV\'_%WQOK/P[\<?!_QEX?U_Q`/B''J^I^+/V3O%7V#X
MIR?!/2?A'IWB3P#KWB+]MWX>:KX>\/V7A_1]%L=2TN^\)+J-]N\76MIKT&G^
M(K.;2P#Y@\)?$CPGX&\(:3X2\)_$SP_X8MM/^#_PR^%VHCPCX]_9"\!Q>([S
MX7>-OB9XFTSQ+J6H>`?^"E6B>)-*_MFV^*6LWFNP>'O$NB7^J^)-.M-5GU<:
M)?:UX4UT`\_MO$6B>%_AMK.A>%O''P?U7Q[!_P`(S+X<U[Q'<_L,Q:=K%GX.
M_9.\6?LH:1X/\?1:C_P4"\1QZYX?D\,Z_;ZQ"UUINI6&G:K>^(YY=`UBPUYM
M)M0#L-?^('@;Q5I4.CZ]KG@\W=AI_C+2KCQ-9_M"?!Z"/XB^'OBI;>%[#Q]X
M=^+&EP?\%4X/&WC34+6Q^&/P]LM.UK6?BWK.F7&C33Z!=>$H(?#6AWZ@'Z_:
M3^U[^S#J.E:9J%Y^T!\#]`N[_3[*\NM"U;XT?"6;5=%N;JVCGGTG4YM"\;:C
MILNH6<KM;S/I^H7]JTD+FWN9X2DK@&A_PUC^RQ_T<M\`/_#R?#K_`.:.@`_X
M:Q_98_Z.6^`'_AY/AU_\T=`!_P`-8_LL?]'+?`#_`,/)\.O_`)HZ`#_AK']E
MC_HY;X`?^'D^'7_S1T`'_#6/[+'_`$<M\`/_``\GPZ_^:.@`_P"&L?V6/^CE
MO@!_X>3X=?\`S1T`<!\3OCO^RQ\1/"$OAR+]JKX`:)J%KX@\$^,=`U1_BM\.
MM3L[+Q5\.?&WA[XA^$I=7TE?%]G)J_A\^)_"^DKJ.GV]_IES=V#W=O;:AI]Q
M-%>VH!\W^*=5^"^LK#JNA_MO?L8>%/%>L:A\,M6\>SZ?8^%/^$-US5?@W\>?
M$W[0?@C4_#/A*S_:.LKSPOJ&I^,O&/B'_A*[C4=?\22:ZU[]KM&T2Z:>2Z`_
M`S]!'P"TW_A7G]K_`+9?[$&L?\(G^T_X[_:@\4^3HG@NQ_X3;Q5XV_X23[.D
MGVG]HJ__`+.\0>'O^$V\1_V1XCN_[8N;3^P/`FV`_P#")S_\)"`<?X-\#?LT
M>"/$WPSO+']MC]E#7O"GPO\`&'P]US2=-\=^)[OQ_P"+=3\/?"KP]\1?"GP^
MT*Z\0^,?VK]1\/>'-0T+3?BAXHU;3[KPCX*\-:98^(OL.JV6AV]K91Z50![!
M^SGXP^"_P`\#>,?"!_;D_90\67>JZ?X+C\(:L-1\*:!;>'M5\#?![P3\&M*O
M?$FE?\+\U%_%NGS:)\-O!E]<6=E?>')&NAK7EW<4.I6D>C`;'C^D>#/V>?#G
MAGPA8:'^W5^RA!XK\(Z?\$[.#Q'J%[H%[I5S<_!WQ#\.M4NM6/AJ']I"U>'4
M/%NB?L]_LN:+JB'5);6UC^$FL76D6VGW7CB^DL0/P.@^*L'PC^('C+XD>)--
M_P""A_[.%AIOQ%^%_P`4_A#-I?C+Q-8^.;G0?!OQ=C\)#78-`MK7]IGP_P"$
M_#^H:4O@_3K32[K0O!VC-<6J1R>*1XGUE'UJX`#1M#_9MBOOB`WB#]MG]E!=
M$^+?@_QW\./'OAOX?W/@/P5I6D^`/$OPC^%GPH\,Z/\`!RVUOXV^*+?X2:AH
MMI\+[2[O;BVM]5LO$,=YIUGJNF,OA'PW-H@&WR.P^$VK_L^_#/QWX<\=W'[:
M_P"S!K6H6O\`PM6W\:#_`(6#J>IZCXSL_B/H_P`$=/L+K_A)_BK^U1X]UK2O
M$&C3_`OPM!]JFOM3L+C2G_L^#2]/N(?[2E`V^1G^+_VIOV=Y_CSHOQ1B.GZW
M)X*T_5="BNM)^/\`^QK%I7BS5=$/BK0OAWXYTR?6OVNM*OM-T_1_"GQ.^.5G
M#IM_H5K)J$?Q;2YU6WAOO#&E)8@'RA>?%E1XE\9Z]8?&OP_??\)CX@^"VNW4
MWCWQM^RGXZUT2_`7XL:O\7O!1>_N/^"HMAI6D?;_`!!J\T.L:7X4T'PKX;\G
MS!X=\/>&O.<4`9]QXU\%M<Z"MM\4-/LM*^'?@_X6^"OA9#IOQ3_97\+>(=(T
MKX.:5\5_"'@RX\;^-/A[_P`%-_#6L>)=0F\"?&WQ]::L_AFX\"QZAJ<>AWB1
M6FDV>I^'_$0!^G_P4_:<_9AT#X1_#CPW=?&CX'^`Y/"G@_0_"2^$]3^,GPE6
MYTFV\*6,7AVS6./1OC/X\MX-/N+33(+NTAD\8^([J*UN[>.^OYKY+@@#;RL>
MG_\`#6/[+'_1RWP`_P##R?#K_P":.@#L/!7QN^"_Q*U6XT+X<_%[X7^/M;M-
M/EU:ZT;P5X_\*>*M5MM*@N;2SGU.XT_0M6NKB'3X[N_L8'N'C$:R7D"%@TR!
M@#U"@`H`^8/C7\`O%7Q8\;:!XGT[X@^'_">G^%_A_P"*?#N@6=Q\/M1\0Z[I
M7CO5?%_P_P#B1X2^(MKK:_$/3-.N/^$7^(WP?^%6L0:!?Z!?6=_#HVMZ?J+W
M%OKL1T<#\#C](_99\6^%_"7Q*\$>#OBOI_A#PUXH\8>"==\#Z7X;\,?$/0)/
M"GAGP-\//"'PGTGP-XG\5Z#\<K#QEXHT]/!?P\\#7`U+P[XI\"ZC+K.C7<^H
M7%_H.KWGAN4#8\OTS]A?QMY7A/3/$GQ@^'^IZ1X:^'_[.7PEDU+P_P#!7Q?X
M,^(__"N/V<OB/#\2M)TSPQ\2=,_:#FO_``1X@\2:O;6*:QJVFV^S?HNCW=C9
MVEWI<,U`?@>@6_[(6L/K'P>\1:W\1/#^K:O\/?#_`,(_"GBVPTWP7X[\`>!/
M%NC_``+\=ZKXW^&=[H'PT^&7QN\.^&_#?B"PN=:NV=?$-AXXT*"\L=-N=%\/
MZ+:0W>FZF!^![?X`^#%MH/[//A[]GOX@ZEI_C[0],^%Z?"'7;[3-(U7P1;>)
M?!L&@2>$(8)-/@\5:I?:3J$_A06]M=W5IK*M)=?:+NT%BLT5M:`;>5CR#XD_
MLH>(?'/P&TSX+Z5\8-0\-7=WI_C7_A8WB.+1O$UOI7Q"\5_$X:QJGQ#\=7GA
MKP1\2?"EY9ZAJ'C+Q'XGUBV\,W7B#5?!<,?B>_L+_P`+:K#9Z))X?`_`X_Q+
M^R!\4_%LOQAU?6/C?\/X_$WQB\/^/O!VJWFF?`OQ%:Z%H_A7XJ_#CX4?#?QW
M%I^B77Q[NKN7Q`=/^!?PSN](U";5S;6$W_"3K>:?JR:SIX\-`?@>H?!S]FG4
M/A;\2]:^(>I^--/\62:QI_Q`D2V.G_%"QN=%\0_%KQOHOQ*^)+^&]/UOXWZ_
MX-\,^#]1\:Z=<3V^DZ1X)L-32UMM%BU/Q!J]]8:AJ7B$`^KZ`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`\_^+&O^*O"
M?PL^)?BGP+HG_"2^-O#7P_\`&6O^#O#G]FZCK/\`;_BK1O#NI:CX>T3^R-'F
MAO\`5?MVK6UI:_8[&6*YG\_RH'65U8`'SAJLWAGX.ZA\,_B;X0^(7C#XKW?Q
M(U#P3X4U/3_%G[1/B'5?#WC'PE\8/BA\)/!US\<O!W@(V>M>&+G4-!\2^,?!
M\D%IX)TWP1X=@TSXBZC;0-;0SZ-8@#;Y!H'[2/Q<\3:YX0\*:+\#O!]SXB\6
M:?\`'^,R-\:KZV\,^'/$/[.?QMM?A#XS37M6N/A%'J3^#]2BU'2+S2-6TG0]
M5U.;4=6ATZ^\/Z?IT5UK]J!MY'/^`?VS?$/C/5?A-I\_P$\8::OQ+\'_``H\
M?W<6B3^)O'M]X8\&_&:YN]`\'^(;Z]\%_#R^\,:7I\/B7P]XQU+4F\5^*/"#
M6_A'3],UFT6_\0W6K>#?"P&WE8\_\9?M=?'F[@\(Z+X8^#G@_P`(:WK/Q0O/
M"5QK.J_&$ZCI6HR?"S]L#X2?L[^/M.\/QP?!K4;BY\'^)+OXCZ7I,6N:I8>'
M]9L(Y?%%]!HC-H>AW'BP#;R/0/VCM9\0^!OVDOV=_'^E^*O&%AX4\/>#_B1K
M/Q2\'VWB_P`3:?X!\0>#8?'GP1^%DOBKQ;H:ZJ?#VCZ?\/\`3?CSXF^(5_K]
MUI,C-9>`1!?W=K:VMMJ.A`;>1X?\+?C[XE^"G@[XY_%#XG?\+`\7>)M=^,'_
M``GFL_"[Q1XC^+&M>*OA)\(-3^!/PN^/7B;P?X+\"VWAKQ+::1_PK;4/C"OA
M2ZU'5;#X<^'[FYN=&7Q)KWAQ'TFQMP-O([#XV?M&>/O#7Q.TC5I?A]J&D:5\
M#OCA\1OA[>W6C_&C6K3P;\5H]?\`V1/%_P`8/`VA^)=#A\/V>FZ+IZRR^$M3
M\2>)_&NG'1OA^VGV^HV.M:KI,_B74/#H&WE8Z#XZ_M:?$OPQH?QO\)>"OAAJ
M%OXX^&WPO\2-K'CK3U\;ZUX(\`_$O3_@E;?&C4+\>*[SX+3^#]5\'Z3X7U.T
MATN36M4TS7-:\2RZ/I%[X0TO0]9/B2T`/?\`]H?P]XM\3?`;5=2AC\8:7X[\
M&:?H_P`3'\*?!WQ_\0](U7Q5JO@D0^(O$WPDT'Q5X'?PWKNLZ?XOTJVUWPA:
MWTFE>9%)X@LM:BT1M2TRSMH@#P"'XU6/P2\&_$3X]74GC#QOI7Q.^*'Q!\9Z
M3X'OO'/Q<\>7.@?L_P#PODO]!U'X@?"+2+?1O%^FMX/UV73X/'ECJ4EMX!\&
M16OQK\+Z1?>++/2=-\/7E^!MY&???'_QM\%OB!^V!HMEX4_X6!X?\&?\+,^.
M'AIO%WQC\7QWEE9_#GX0?LE^+?B/\/\`3;;5_!OB;_A&?#\O_"YM3US0HK"^
MDL$OY+O1UTO1M/,-^@&WD?1_PN_:#D^)WQ+\<^"+/X=^,-*\.^%]0\=:3I7C
MVZT'QE%X>U+5?AEXW_X5UXOTS5=:U7P7IWAB'4+SQ*E]<:#;^%O%/C.2\TS1
M-5GUM?#>HV7]DR@;>1YAJ7[6WBK3OAQJ'Q(7X4^'YM/UOX`>+OVG/A3IQ^)V
MHQ7GB3X6>`XO`FK^)K3XA./A@\?P\^('_",_$CPQ<6&D:.?&^G7-_%JEC<:W
M8V]I;ZCJ(&WD'CCX^?&2Z\">++WPG\/?#_@OQMX(_:?^`?PEU'1/$WQ!@N?/
M\*_$C6/@1KZ1ZIJ6D?#SQ!8:;X@U+2?B]I7A36K/3%UFVT7[3K>JZ)KVMRZ5
MIR:N!MY6/+_%G[37B']G#QY\7].NO`WC#X@^#?$?[5_A_P"&OAK5M5\?^)M?
MN=`\9?%+]FWX;^/_``YX0\(>%[?2?&/B6Y\'IXX37;C5;#2M/MET6U\;:</!
M^B>)KD76AZ6!MY6/J]/CA>#X*Z1\4KSX?^(-"\0:YX@\.>!M/\#>*;?7?",O
M_";>+OB=IWP?\-RWT_B?PO8:]I'P_O\`Q;J^F:G%K5_X4MM7_P"$;OHM3;PT
MNH.-%H`^8/AW^T-XE^%OPZ\"^$]2T;_A//&&I_&#XS^`-5L-2^)/Q8\=:CX)
MO-5_:G\>_!WX*66O_$>_^%OB"23X?W/B:&/P^GBOQYJ/A6_FTKP=J4^@Z5XE
MUC3I?#R`'N'P6^-/B']HN/Q=IEYX"T_PGX'L/!_AS0O%NLZ)\5_$T'C[PK\7
M/%'@W0=<\>?!F^TC3O!'AS4O"7C#P-%XA:UU+7=/\013V5[-ID%N(-<@US3O
M!P!\_P#PO_:X\6^#_@7\%M$\8^!]0\8?%C7OA?\`L]WOAV?3O$/Q#^(-MXUT
MKXE?#;XB^(]-\6>-]4\*_"?7_&VG>,+BQ^!7Q)O-6T[1_!?C6.VNKS0WDUBX
ML[_5=3\.`!XV^)7Q+\=_'GP?H]KX<\8>&;/5O!_[.7C+X,^%+KXT>-_@KJNF
M^,O%)^,_Q;\7Z!\?_#'AKP%K-G)I^K>#?@#XN\*ZOHFJ6WCI=-D\.:7;:2EC
M-X\UW5/"(!V'Q"_;5\5>!K7PE<6/P._X2?\`X2;_`(3/P[=G2_'FHS?\(Y\0
MOAI^T=X'_9L\=6=WI>E?#?4=>\0_#\^+?'6ES:%J_AC1-=\3:QY]M!-X)TSS
MIY[$#;R/0/B#\:/BG=_`3P+\2/`'@G_A$O&&O_&#X/\`@[6_#'Q(G\1>");3
M3M;^/'AOX:ZY%9Q>)/A==ZTWA_Q-/<1VECJ&K>%?#VJQ>&_%P\1#3[/6+&#0
MK@`\/\%_M->(?@UX;U7PKX@\#>,/%FB:?XP_:9TGX?>+->\?^)O'GC+Q3J'@
M[]LW0/@=X0\.W.GPZ3XN\67_`(/M&^,W@;21K4MSK7B@KX+UZ&R\):FL.BS>
M)`-O(^GT^.GB&_\``/PNUK2_AGJ&G?$+XL>,-7\!>'O`_P`0KOQ-\.=*L_$/
MAK1?B!XFUS4=<U?6?`,OB?1_!]YX:^&'B;4="O;KP)%J>HQZGX<^WZ+HHU.[
M;1@#P#6OCKXR^$?Q7\3^+?&/@_4-$\.^(?A?^Q5KWQ:TCQ?\:XW\`_`/6OBC
M\5?B=\(_%USHUU>OJ.FRZA9RR>&9KL:#I?A[0-3LOAYKFKZEJ]AJ,EC%XA`.
MPT?]K/QMXA@\'6F@?!+[;XFUSXP>(?@9XBT+5/%?B_P'_P`([XVA^#<OQO\`
M"NLV=O\`$_X/^&?$&H_#^7P>HDUW4-4\-^']7T[[/<R>'M`\8(^G_P!K@'/I
M^VKXJO?#6D>.]"^!W]J^!M,^#_ASXS?%C54\>:BMYX!\.W_PGT[XP^(K32+B
MS^&]WX6\2>(+/0M:T32].\,ZQXL\(^*M4O\`6+34I_#NE^#+B'Q=*`?3_P`%
M/B;K'Q3\*ZAK.O\`@/Q!\/M6TGQ!=:!=Z=K.C>.](T[5?*T[2M7@UOPF_P`2
M_`'@?Q)JOA]K;68;&2\U+PEHF-5TC6;6V2[M+*#4=1`V\K'L%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0`4`>?V/PG^%FE_P#"=?V;\-/A_IW_``M#[7_P
MLO[#X-\.VG_"P_[0_M3[?_PG7D::G_"6_:?[<UOSO[5^U^;_`&Q?;]WVN;S`
M-O(X_3/V9/V;=$N9+S1OV?/@?I%W-I^K:3-=:9\)_`=A<RZ5K^E7NA:[IDD]
MKH$;OI^I:)J6H:?=V[,8[FUO[BWF5X9W1@-O*QT$7P0^"]O;>"K.#X0_"^"T
M^&NH7>K?#FTB\`>%([;P!JM_JMOKM]J?@J!-)">%=0N-;M+74);C3%M9)+JV
MBN'8S1JX`.?D_9D_9MFTJRT*7]GSX'RZ)INH:GJVG:-)\)_`;Z58:KK5MI-G
MK&IV6GMH!M[74+^TT#0H+FXBC62>/1;!)6=;.$1@'8>(_A/\+/%^NIXI\6_#
M3X?^*/$T7A_4?"<?B/Q'X-\.ZUKL?A76+/5].U;PTFKZGILUVGA^]T_Q!KUK
M<:<)1;3PZW?Q2QLEY,L@!S^I?L]?`+6/[?\`[7^!_P`']4_X2OQ!#XL\4_VE
M\-/!=]_PDGBJW_MO[/XEU_[3HK_VQX@B_P"$E\1[-1N_.N5_M_4ML@^W3^:!
MMY&?IG[,G[-NB7,EYHW[/GP/TB[FT_5M)FNM,^$_@.PN9=*U_2KW0M=TR2>U
MT"-WT_4M$U+4-/N[=F,=S:W]Q;S*\,[HP&WE8Z"\^"'P7U"YTF\U#X0_"^^N
M]`\'R?#W0KJ\\`>%+FYT7P#/I6IZ%-X'TF>?26?3?!\FB:UK&GMHUNT=DUKJ
MU[;F`PW4J.`>@:3I.E:!I6F:%H6F:?HNB:+I]EI.C:-I-E;:=I6DZ5IUM'9Z
M?IFF:?9QQV]AI]K:0PP0V\$:1Q1Q(B*JJ``#C]?^$_PL\5^%=$\"^*?AI\/_
M`!+X)\-?V;_PCG@[7_!OAW6?"N@?V-ITVCZ1_8GA[4=-FL-*^PZ1<W%C;?9;
M>+R+:>2"+;$[*0#CXOV9/V;8-*O-"A_9\^!\.B:CJ&F:MJ&C1?"?P''I5]JN
MBVVK6>C:G>:>N@"WN=0L+37]=@MKB6-I((]:OTB9%O)A(!MY'8>'/A/\+/!V
MNOXI\(_#3X?^%?$TGA_3O"<GB/PYX-\.Z'KLGA72+/2-.TGPT^KZ9IL%V_A^
MRT_P_H-K;Z<93;00Z)8111JEG"L8!GR_!#X+SVWC6SG^$/POFM/B3J%IJWQ%
MM)?`'A22V\?:K8ZK<:[8ZGXU@?22GBK4+?6[NZU"*XU-;J2.ZN9;A&$TC.0-
MO(&^"'P7;2M>T)OA#\+VT3Q5I_A+2?$^C-X`\*'2O$>E>`+:VL_`FF:]IYTG
M[/K&G^'+2RLX-(M[N.:/38[2%+-85B4*!MY&?J7[/7P"UC^W_P"U_@?\']4_
MX2OQ!#XL\4_VE\-/!=]_PDGBJW_MO[/XEU_[3HK_`-L>((O^$E\1[-1N_.N5
M_M_4ML@^W3^:!MY'8:9\/?`.B>#9/ASHW@?P?I'P]FT_5M)F\!Z9X9T6P\&R
MZ5K\E[+KNF2>%[6RCTU]/U*74M0>[MVMC'<M?W!F5S.Y8#;RL>7ZU^RQ^SMJ
M_A6;PE!\$O@_HNGI_;]UHDFF_"/X77/_``BVN^)-.TW3-2\4Z!I.O^#=2T6+
MQ`\&B:`7EO-+O(;G_A']-BO8+JWM$A`!ZAX#\%:5\//#-KX8TBXU"]BCU#Q!
MKFI:KJTMM+JNO>)O%_B'5?%_C#Q)J8L+2TL;?4-9\5Z[K6JS6VF66GZ=;R:D
M\&G65E8PV]K;@;>5C/N?A/\`"R\T+Q3X6O/AI\/[KPQXX\07'BSQKX<N?!OA
MV?0O&'BJ[O+'4;OQ+XITB736M/$'B";4-+TRZDU&_BGN7FTZUE:0O!&R`'/S
M?L]?`*X_M+[1\#_@_/\`VQX?T7PGJ_G?#3P7)_:GA7PW_8'_``CGAK4M^BG[
M=X?TO_A%/"WV+3IM]M:_\(UI7D1Q_P!GV_D@&A>?!#X+ZA<Z3>:A\(?A??7>
M@>#Y/A[H5U>>`/"ES<Z+X!GTK4]"F\#Z3//I+/IO@^31-:UC3VT:W:.R:UU:
M]MS`8;J5'`-#_A4_PL_X03_A5O\`PK3X?_\`"LO^B<_\(;X=_P"$$_Y#'_"1
M?\BC_9O]E?\`(P?\3/\`X]/^/S_2O]?\]`'/V/[/7P"TNSM].TSX'_!_3M/M
M/^$I^R6-C\-/!=I9VO\`PG.A6OA;QK]GM;?14CA_X2#PS96>D:IL5?[0L+2&
MSN_.MXDC4#;RL=!_PJ?X6?\`""?\*M_X5I\/_P#A67_1.?\`A#?#O_""?\AC
M_A(O^11_LW^RO^1@_P")G_QZ?\?G^E?Z_P">@#GYOV>O@%<?VE]H^!_P?G_M
MCP_HOA/5_.^&G@N3^U/"OAO^P/\`A'/#6I;]%/V[P_I?_"*>%OL6G3;[:U_X
M1K2O(CC_`+/M_)`,_2?V9/V;=`U73-=T+]GSX'Z+K>BZA9:MHVL:3\)_`>G:
MKI.JZ=<QWFGZGIFH6>@1W%AJ%K=PPSPW$$B2121(Z,K*"`#@-)_8O^!?A?XH
M:9\4/`WAK3_AW=Z=J%EK+>'/`?A/X;>&=*N-:L=/CTN.]M?$MCX%'C;PKI]S
M8VFGPZAX?\+^+="T#5X[>^BU?2;Z'Q+XCC\0@'O_`(*^'O@'X::5<:%\.?`_
M@_P!HEWJ$NK76C>"O#.B^%=*N=5GMK2SGU.XT_0K*UMYM0DM+"Q@>X>,R-'9
40(6*PH%`.PH`*`"@`H`*`"@#_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>a37-1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a37-1.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`#@!?P,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@#YO_:I\1>)O!_PJM/$GA7QMXP\"7=E\4/@QI.J:GX&\+>'
MO&?B&]\,^-_BOX/^'OB;3+#PSK_@7Q:^K:A_8GBV]O;"WTG2)M1EU/2]-CA6
MYA>>PU``Y#P-\9_%^AV<OA[4O#'Q@^,.K:UX@\3:A\)DU#PEX)^&7Q8\7_"?
MPGH7PUC\9^._'7A[Q_)\*]#\-_V)\5O'E[X6MK-])\.ZE?Z;_8.HVFD:I:->
M^(+D`Z#1/VK/!/C3Q%#H'PM\)?$#XKP-X?T#7+S7?!=IX0M=.T*7QG\+-2^,
M7@'2O$VE^-?&?A_Q!X9_X2GP?::?'I>NZGHEKX;?5?$%EHUUK=KJ=OJ5KI8!
MU_P4\:^)OC5^SS\./'FMV^H?#OQ7\2?A?H>N7DVBQ>'I+G0M5\1Z!%,OB3PK
M:ZA=^*M-33Y9;A-8T>VUO^TY$M;FQBUJR%TMY8Q@;>5CX@^"/[3?BNT\&Z'\
M3?$_B_\`:/\`C-%I'P/^$?BOXO>"]5^$?P7^'?A[0-:^-4EP^F?$GPAXH\1Z
M)\*)W^%_A>[^'OCNUU76WO?$>@?V9XMT[6?[8^P^&M;OK`#;Y'TA\0_VV?@_
M\+-=U32?&5OX@TC2--\0:MH=KXUN[[X?Z?X0\2Q>#K/19?BGJO@NZU7QW:7_
M`(Q_X0+5_$6CZ!K.A:1IUWXDNM;;4]*\.:)KUWX;UZ/1`-O(Z^V_:6\/7'C?
MQ;\.O^%?_%"V\5^%O&&O>`+2UN='\,Q:5XP\9:?\-%^,/AKP]X2\3CQ<=$N-
M0\5?#>#6=;L%U+4=,72X]$,/BQO#=UK.@P:\!MY6*'A;X^:[<?L=V/[2_B?P
M;]F\06WP`NOC'JW@Y+VSTJSU6\TOP-<>+)(=(O;+4O$?]C^'];^R"YTY[N:^
MO[6PU6T&I6L>H0W-G"!MY6,_X3_M%>'M3^"5WXLU7Q9I_P`4-;^'OC"S^#&O
M>(/`%UX9UBV^)OQ$N-<\.^%O`6I^'KO0KN#PGIVH?$=?%_P_UD6$6KII'ABZ
M\?-HVLZK9MX=U2:R`V\K'/Q?MI:'/8WD]I\#_CA<ZEI'C#3/!6O>'XF^"4>J
MZ%JOB+XN:M\!?"5Q>7%S\:XM+N]/USXQ>&/&OAFV?3M1OI+>3P;?ZAJ<6GZ-
M>Z1J6L@&A=_MG_#W1_`E[X\\2^#OB!X*LK3X@:I\)[;3_'4WPS\%?VM\3/#F
ML>.M-\6>$=+\6^)?B59>#)?[%LOA_K.HSZ]-XH@\/7?GV^CZ3K&H^)HKW0K`
M#;R.@\5?M6>"=%T[PKJWA'PE\0/BMI_BKP_\(O%-M/X%M/"&E?V9H7Q^\5#P
M5\%;[5(OBCXS\'R#_A+?$T>H6<$-FEY-IO\`9=Q-KL>DV\EM+=@'G_B/]L_1
M[[PYXBN?A/X.\0>,/%O@SXP?!/P!XI\(S3>!(]8TWP[\5?BG9^!;?6-2T^Y^
M)6F_\(?X@U3[#XFT2R\+^*;K1/%6A:[)I4GC'PQHVD-/<@#;RL>O^`/VE_A9
M\2?BGXU^$'A?5OM/BWP1_P`)']KB^W^';G[=_P`(3XBL_!WCK_B3Z5KUWKWA
M7^P_%NHV&F?\5?H_AO\`MG[3]O\`#7]MZ1#/J$(&WD>(:-\;O$WPM^,W[03?
M&'X@ZAK'P0TWQAKVA^#;_4_#WAZ*Y^&.J^"/V?\`P3^TCK?AN.+P%X4AUCQC
MI^M>!/%WQ'N[2YU&WFDTNU^!5O9S7NJ:QXOMQ*!M\C/^'GQT^('PW\-?'OQY
M^T7K/B#5KG0_C!X6\,Z3\/+=?A!H&A?"2S\8_"?X;_%J/P-<_$B\G\+>&Y/[
M`N?B?>>%Y_&/C3QE:6&NS>$-$BTE8-;\26VEZT!L:'QB_:FCUCX:?%^W^$$/
MQ0T3Q%H'[.%M^T;X&^+.F>%?!MSX-N/!&L>"/&/C;P=XGD?QD=32PT_4M;\"
MW'A2[\.Z_P"'M/\`$L[:M<7>DZ:=.TW4/$.@`'8>*_VV?@_X#T+0O$_C.W\0
M>%_#_BGQ!XVMO"6K:Y??#_3;/QA\/_A_>:59Z]\9_!LESX[3_A+?A_<_VYI%
MWHNFZ0+WQAXEL-1@U+PYX5U73Y!<T`>G_"GXG>)O'?C?X_\`AC7/!>H>&--^
M$_Q0TSP5X9U6ZD\/-'XBTJ\^&G@3Q?)<2C1_&&L3MJ#7?B2;5(WGLM(C&C>)
M_#<#Q#6;77+73`#YP\%:_P#%V[\=_#[X9WWQU^(&K^-O#?[0'QR_X6UHEWX:
M^"=O]J^!/@O1['7_``']MU'3?A)9V#?:M)\=_LOSW7_".74&L-_PO7Q/&WV>
M71&3P(`=!K_[3NC_`!"TF[_X53XH\0>$_$WPU_:`_9P\,^-="N;/P)?7FK^"
M_BI\<="^%MWI?BG3)1XAN_!']JZ?<^+_`#/#NJ_\(;X^T&_\-6O]M:7HJ7$=
MOJP&WR.@O/VS_A[H>DKK7B_P=\0/`^GMX?\`B1J8N?%,WPSM;.+Q'\+/CCHG
M[/7B?P#?:KI_Q*O-.T?Q!_PL;Q3X5CBUC4;RT\*K8>((M0N_$5K;V6I-IH&W
MD>__``M^)?A7XO\`@30OB'X+N_M?A_7?[3A@?S].O/L^HZ%K&H>'-?TW^T=$
MO[_2M6^P>(-)U2Q_M+1M1U32KW[']KTO4+_3[BVO+D`]`H`*`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`\_\`'7Q+\.?#O^R_[?TWX@7_
M`/;'V[[)_P`(+\)_BG\4/)_L_P"R>?\`VI_PK/P;KW]A[_MT/D?VE]D^T[+C
M[-YOV2X\D`\__P"&EOAU_P!"Y^T!_P"(G?M3_P#SFZ`#_AI;X=?]"Y^T!_XB
M=^U/_P#.;H`\P^+?Q'^&WQ9\,Z=X8EU']J_P+%IOC#P=XUCU7P5^R7\='U6;
M5?`?B&Q\7^&;>X'C?]FOQ'8_V?;^*]'T+5'2*RBDFDT6""65[&>\M;T`/'WQ
M'^&WC35?#WB72M1_:O\`AQXR\,:?X@T/3/%_@K]DOXZ7FJCPSXLN?#M_XE\-
MW&F_$+]FOQ1H4NGZAJO@_P`(7KW/]D+J,,GAV".TO;>VN[^#4`#S_P`+VO[/
M?A/QOX-\7V=G^U?J&F_##3X=/^$?@37?V7OVC=7\,_">./X::!\)+D>!M9N?
MV>SXRM=/O_!>@+'?:+J'BO4=&O-1U*ZUJXTV364M+^Q`-#P9+^SQX(\*^"-'
ML/"_Q_U3QM\,_A^WPS^'OQNU_P#8E^+6I?&3P=X5M].U;1]"M-$\3#]EZ*PB
M_L?2=9NK2VBETB:VN8S(VJ6^HRWU_)?@;?(S_`$OPJ\$^'O#W@?5_%_[9_Q,
M^&_A7P>G@;1/AIX__9+^*Z^#?^$>B\,R>"X+#Q#:^!OV3?#5]X[T]/"EQ>Z>
M=+\57^MZ9,UVM_<V,VJ6&GWVG@&@+SX(6VA?#W1])G_:_P!`U#P#X?UWPG/X
MQT/]FK]I6P\;>./#GC>\T'6/BA;>,O$"_L_M(OB#QSXF\,Z-XAUKQ?X?30?%
M0U>WGU#2M<TRXU"]:[`_`SXI?A5'XWO/'C>+OVSY=5N?CAIGQW@L9/V2_BNN
ME:;XAL/AIJWP;NO#-E%#^R;'<OX/U'X6ZE9^'KF.[NKK4TCT&POK/5+35I+[
M4-1`V":7X5?\*2^'?P,LO%W[9^E:)\,M0^'UYH'BNR_9+^*\OC*YMOA5KEAX
MB^'NDZM)J?[)MWH4^GZ-JNA>%I%>#0K6ZNU\+6::A<W:W6IC5`#G_C+KWA37
MI/BUXU\-M^U?XAUCXC>#_AQX&UCX;7/[*GQHM?#+^!O`?C(^(-0L/"27G[.=
MB^I^,)]$\1?$Y;#2_'?B'4_!^LZCXW.E>,K&]\)L;&P`/G"U^(/Q'LM=\+>)
M-.^%'[3\-SX#\/V_A;]FZ35/V/Y3JWP]B@L[[3-4L?VD])T[X-'PWX$^']Y<
MW]KIL$W[+MMI_B34?`]@;'Q')<ZWH^@0V0!]7Z-+\*M$\&V7A>+Q=^V?=ZWH
M7Q0\8_%[PE\1KS]DOXK_`/"9>$/&7Q!D\6/XTGTFQL_V3;?PGJ&GZHOQ!^(B
M-:ZYX8U=;=?&UZ;(VS:?H[:,`>7_`!A^(D]M\1_`_BGX8_#_`/:?UO4/`_P_
MTWPU\)_$<_[,/QD\8V?ACQC%+XDT[7+GXX:O\=OA7J/B_3/A_K&C:AX0M=4U
MWX.RIX[U^PMO%<6OWNH7&F^#UM0#H(?!_P`%;*+5++2_&W[;^E:1)X?^#GA;
MPKHUK^RA\3I[/X>:%^S[\1X_B;\&+'PM<:E^R'=7^H_\(OJ[:C81S>*;SQ)-
MJ-AK-TNM2:E=Q6EY9`'N'@WX@_"7P-XAU_6=''[5\FE:QJ'BC5M-\$7G[,O[
M3W_"&^%M5\>>)IO&WQ`U/2=/L?@5;7FL:AK_`(RN;K5FN/$]_P"()-(:]O;'
MPVVB:3J%YI]T!MY'G]W'\#=8N?B/+XIF_:O\7VGQ)^*'AKXJW^E>(?V0_C&^
MGZ!JOA_2M(\(7_AWP[_9O[+EE<_\(?XD^%NAV7P\U^PU6YU635/"]SJVGS7`
MF\0:Q=:H!L$LOPJ?6O&OB5/%_P"V?;^)/%7Q0M/B]H6MQ?LE_%<W/PU\96_@
M&X^$LT_@JRG_`&39-/OM/NOA/-'X3EM?%UEXJ46MI%?P&'7FEU>8#8\_TKP%
M\'M(\&^+_`:_$S]N^]\.^,?@?X5_9XNX+S]DSQR+G2_A?X,DUF'P_I6DW5E^
MQA;NNH0:)XJ\9Z.VH7OVVXEM?%U[+([:C9Z5?:2`=A;V7PBM-=N?$4'C/]M^
MTU"]^W0W7]E?LP_&SP]$FG>+K/PM_P`+ATW1?^$;_9:T^3P=_P`+,\3^"_#G
MB[Q%J7AJ31M5M?$EO?:OX6U#PW<:]K/]J@?@>P>%?BI\+O"'B_XG^+;&']I^
M[_X6GX@\/^*=6\/:C^R?^T2VA:'KNA>"?#O@"2^\./9?L^VVJQ_VGX?\)>&Q
M>0ZGJFJ0K-I2RV4=G]HN5N0-@T[XE?!#2_B/XC^*5IX1^/Z>)O$WA_2-`O/^
M,1_VE5L[7^SY7_M/6M/\KX&)=P^(/$&GV7@K3-:O'NY?[0L/A5X&M9$5/#-I
MM`/F^?P%\'DD6'1/B9^W?X8T2RT_X0Z'H/AK2?V3/'-UI7AOPS\`/&5_X\^"
MWAO3+OQ'^QAJFK7>G^$_$6HSRPW.K:GJ6HZE&$BUV]U50=P!T&O^'/@;K?BV
M'Q/'X@_;/T2QTW4/&6N>'?!ND_LJ_&-_#/AGQ-XZ^(GA?XSZYXDTRXUG]E;4
M-?O-0_X7?X*\*>/8;;5]=U/3H]1T5-+-D_A:ZN_#]V`?2'A;X[_#KPOH5CHC
M6W[3_B.>U^U37FO^*?V8/VI]3UW6-1U"\N-2U/4KZ:+X*V]I:?:-0N[F2+3=
M+L].TK3H7BT_2-/T_3+.TLK4`W_^&EOAU_T+G[0'_B)W[4__`,YN@`_X:6^'
M7_0N?M`?^(G?M3__`#FZ`.P\%?%[PIX_U6XT?0M)^*%A=VVGRZG)-XU^"/QH
M^&NE-;0W-I:O';Z[\1O`&AZ;=Z@9;R%DL(+N2ZDC2>9(6AM9WA`/4*`"@#G_
M`!9J]YX?\*^)=>T[3O[7U#1/#^LZO8Z3LUV7^U+S3=.N;RUT[R_"WASQ!K4G
MVF>%(=ND:#K=^?-Q9Z=?7!CMI@#P#X*?'3Q[\3?%6H:#XI^%7_"#:?:>'[K5
MX=6_L[]I.T^T7EOJ.E64>G>9\8_V4OAEHK>9!?W$VVUUZ[OS]DS%ITUNMU<V
M`!S_`.U=;7CZM^SH;&S^,&N_VM\8->\+:MX.^#GQ8UWX5Z[XMT*\^!WQ=\62
M6,U[9?$_P+I5W]A\0>"/#>L+-J>M6\T$.C7MO92'^U+FSU,`X^Z^./Q0_9_T
M7P_H'C[X<:AXNTJ#X7_'7XTWFMR_$C3[[QSX%^%_PF\?:;J:^$?&MMJ%C=0^
M+O&&B?!?QQX'T:+5[#Q9XFN-?\86$MMJE^FDW5YX[0#;R/7_`(<?M(>&?$.E
M:.GQ-CT_X*>,M?\`&%WX*\+^%?'M[XA\&2?$/58+;PU=PW'PLLOB_P"#?`'B
MSQIIY;Q?HFE2O)X.TR1=9COK&VBN[:.SU#5`-O*Q\@?"U?B7I^N:IJ7@?X=_
MM'^//$7P_P#&'[6^J>&];\=_M5>-Q\'OBK;?#;XV^(_A+X3^#MU9>)?%GCVS
ML-03P;XFFNM/O?%/A_PE=3Z[\)K&>._O=.GUG5[$`]@U?]L_4(]/\-:OX/\`
MAMI_CG1/%&G_``XT/3]=T'7?BAJ=M)\7/'OPON_CM<>"[;PMX;^`NL^.-0\'
MZ9\%+?3?$!\66O@^6>6Z\8Z#IUQH5BL'B6^\'`'8#]J37;?QM9:)JWP9\0:'
MX2O_``_^S7XG.O:KX@L].\7^'+/]ICQ?JGPP\,>&_&WPYU#2[>YT'X@:9\3;
M..VOM*LM3U>PBT33]=U*;6+?5['3?#?B,`Z_X!:_X^^*?PJ\8_\`"VX=/T[5
M+KXH?M`>`UD\#>,M:6Y@\,^&OBOXX\$6=K8>)M&\+^#=2T/4-'BTJZT6PU6P
M2+4;BUT#3=>ENK35M3N+/3`#YP\`?M$>*O@_\#OV>'U;P7X@^)>C:Y^R!=_M
M%^-?B#JGQ5U'6O&UI_P@FD_#[Q5\8+C6K+QS;75WJOVG3_B+')X=CLO$%YY^
MKW-CH$UCX<\.02>(-'`V\C0^+/[0>JZ1XK^&?Q6NO"_C#2?A/X!^*'[2NAWV
MK>%?B%<O<^,M*^"?P7_:-B^(WAOQW\*9+W1M'EU"Z\=_".#5/!MS)=^*HVM?
M#=Q=7U[X0O-0&FZJ`>@2?M.?$M/`-EXWC_9_U!&B\8:G\.]9TO7=?\;_``\D
MN/&6N:+I(^"__"#6WQ5^#?A;6_$W@_QE\2/$_A3X?7VOZOH/A==`UG5KJ\-K
MJGA[2+S6H@-O*QV'[35IK%S^S[J'BS6[_P`0>#]0^''_``B/Q9\=VWPP^)?C
MOPW>-X5\`ZGIOB;XR>$/#OBSPK/X3U'Q+_:?PYM/'.C:4FJ0Z-;75_>Z5>W"
M:/<6\-[I0!Y?I'Q!U#X9:5\9_BIHMKXP^(#?$O\`:/\`%7@;X<>#/%7Q#^*'
MB./0K;X:VVI>#_&MAI7A+3-.^(&MZ7I\OQ(^'GQIUZRTOX:^#/$MU_8VKZ!/
MJ=CI'A[0=0F\"@;>1GZ3\=[R#XA7WQ0\(:;X@U_P%\7?A_\`\$_O$'_"+>,_
M'VNZ;_PA5G^T=\3/BW\,O^$G\,^&?)\3:+IWB"*!OAT=4T#2)=#L+_\`L>]O
M7U*2_3?J8!T&K_M@ZQH/ASP3<77P:\0:]XV\0^(/CU8:YX+^'#^._B5]CT?]
MG7XIGX5>-I_"=_X3^%-Q?Z[X@U35KS0YM#@\1Z)X*T*;^T)H-9\3:%+':?VH
M`?;]`!0`4`%`!0`4`%`'R!\9O$?C;P-\??A_XI\'1^(/$NGVOP`^/'B/QS\,
M++4?%^I_\)QH7P^\:?`F2T3X?^#['5SHMO\`&"T@\<^(9-*NWT:>;7-Z^&+R
M\T^WU.UUKPR!MY'A_P`._P!HJQ^$_P`-O#*>%=)^*'[0$GQ#^*'[5?B;1KW3
MO%'Q<^.&JWGPH^$'QTO_``!I_P#PA>KV>F>/[[4M0?PIJ7P[M-`M-1N/#7A7
M4)/MMYJ_BO2+[41<ZX`>H>-?VO[SX?>-+SPQXI\)?#_2=/T/XP>/_`WB/4[G
MXK:[)K%G\./`'P"\.?M)ZO\`%;1O!^G?"*[U'Q)]C^'.M7%IJ>A6I1+#79="
MTV+5;ZWU]=0L`#T_Q9I_Q<^(7PC\':CKGAC4/`WBA=0LO$WQ)^#G@#XK7UEX
MAUWP\ECK*/\`#WP]\;?#_P#PB<^@^,+2[O/#VNBYTZ\TG3-1U/PJWA:[UR+P
MWKM]KR@'RA\1/BEIVE?#/P-X#\!^.?B!H_A;1_B!=W7Q]\=_&/XF^*M.U'X,
M^%?&OQ"^,OPO\->&O'GQ3\.>,;7QMKW]@?M(Z)'X?LAX,\43VUYI7PCGLO$?
MCG2O"FM_\)+JP&WR.@\<CQM<>#OV6[;6?#/Q_N((OC!XA^&FC>'_``E\??%_
M@_XR?&'X3Z7\"?BMJOAKQO\`%2ZN?$?PEM-$^(&MZA\/?#7C._T?7=074M)C
MAN;.2>#4]5U;0:`/4/B3I_C[P]^Q#\9G\4:WXPT'QEX;^%_QK\7^%K_3_'.M
M6?C[P?I6@3>+_&/P=T;6_'GA;7?MVL>,/#GA2R\%Z1KE\NNZW'K%[H^J"^U7
MQ!;:A<7VJ@'S_P#&_P"(7CZT^!?Q._9_T?QQXPT;XA?!?P?\<M6\1?%?2_$N
MM:=XRU7P#^SU\-O`'Q-^'FIZ=XZM;T:E??%#Q#%\8OV<K3QA<7.G6-EJ*O\`
M%F*Q:R!T*XO0#Z0U;XKZQ\/?BQ??!SPYX&_MWQ-=^'_@IX:^%]]XJ^-OCN[T
M+Q'IVJ>&OVA_%,]S\0;G6O"OB"[\%^(-/T_X&?$6.;7=/LO&NJ^)YKSPJNLW
ML*1F3P^!MY'C_P"SG_;'QA;Q'\-?'&N?&#1/#'PT_P"$RU_2]%/Q@\=Z1\1Q
MJ/B3]JS]K+X?Z=HGQ"^*?@OX@W7B#Q/_`,(=X/\`@[H>BV%G:^+[S2I7U/5+
MB_?77M-`N]"`/0-/^-G_``H_4_`GPLU3Q'X@^/D&M?$#4M-\4?%M[S^U==T7
M4?BU^T%XN\!^"=`U?3?`OAW4_#^@?\(YXPFF\*:C)XHU'X8:4(?"=W:>"K+6
M=3T74?"7AP#;Y'8?#?\`:)\9>*=5\)6GC3X3Z?X*TKQ;\4/BK\$-.U72?B+'
MXQDN_B7\*+GXIW&LWNF:<W@_1GE^%]UHGPC\41PZ[J4FD:X-9C2Q;PK_`&3)
M#XAN`#G_``5\*['QA\2?VE[J[\?_`!PTO4O"GQPL=/\`!EUI/QW^+BZ5X1CU
M;X%_!/XAL-,\":GXPO?!NI:?;>-/&GB#48=%USPYJVC&.[33)]-FT:"/3D`/
M/_`G[4?Q+U/5?AAK6L?"WP>^E?$'X7_L<:]XY\:P?&3QOIVE>&K;]HZY\8:+
MX>N=%^#\_P`/=<MK34!\4K/7O#@%AK5Q=7T>O>"I=<U>'2;"]O/!H!T$O[4'
MBTZAH?C(_!;4-8\.^+OA?\1_&_P2G\"?$+XA^,=:\:^"(OBA\%/"/A[Q7XX^
M$'ASX6%_#^GZQHGQ%\&>-#>65KXW\2^&=`C\16L>D_VC<:AI-\`:%G^USKM[
MX0U[QE8^`/A_K6D?#7X?ZQ\6OBSJ'A+XXV?C'0H_AQ9>-OBYX8TK4_@QXC\.
M^`;FP^*?B#4=)^"?C'56TG79/A^EC-?Z+I=Y>17<NJ'00#V_X=?$_P`9>-/B
M'\7?!FJ_#O3_``[HGPG\82^$I/&-KXWCURV\3W.J>$O`/CWPHNE:(WAK3[ZR
MU`^%/&IFUZ&^$%KIET-*M=(O_$RWVHW'AP#;RL>X4`%`!0`4`%`!0`4`%`!0
M`4`>?^,/ACX0\=Z[X"\2>(X?$$FK?#+Q!+XI\&R:1XV\;>%[/3]=GLWTR:^U
M'2?"_B'3K#Q)YFD3ZAIK0ZU;:A";#6]7L3']DUF_AO`#/\3_``:^'?C/QEI_
MCOQ3H^H:WK>F^#_$G@".QOO%/BU_!M[X-\8QF/Q7X>USX<KKJ^$_$>GZPJV1
MO5U71;UKEM%T=IF=M$TXV0!T'@KP'X9^'FE7&D>&+74(XKW4)=6U74M<\0>(
M?%WB;7M5EMK2Q_M/Q)XO\7:KJ>N^)=0BTK3]+TR"XU34;R2WT[1]-TZ!H['3
MK6WMP#R_PM^S%\(O!UY8W>DVGQ`NX-.\077BRWT+Q3\;/C9XX\(/XJN]=N/%
M<OB6^\$>-?B%JOA_5/$"^,+J3Q'%J-YID]S!K:Q:S#)'J<$5W&`=AJ'P:^'>
MH^&3X2?1]0L=*3QAXG\?V5UH7BGQ;X;\3:+XR\9^(?$GB?Q3XA\->-?#^NV7
MB'POJ&I:EXQ\5PSMI&J62MIWB34M("C2;R:R<`X_5/V7_@KJMYK5Y+X=\0:;
M_;GA_P"'GA:;3_#?Q)^)WA'0M(T+X2Z[I/B?X96/A#PWX6\8Z?I7@3_A&/$&
MCV]_I<WANRTJ:TFOM5:*1?[<U,7X!Z!H?PQ\(>&="\9>&M!A\0:7I'COQ!XT
M\4Z]%:^-O&R7EOKOQ#O+O4_%M]X6U9O$)O\`P']LU>_O]2CA\,W.D0V=_?W5
M]8QVUW<2S.`>7K^R9\#4TK0=";0?&$VB>&?A?XM^"^BZ-=?%_P",=YI5K\+_
M`!S;7-GXG\(2Z?=>/I+>^T^ZM)K.".2[CGN+2/P[X;2SFMU\+:*-+`V\K!>?
MLF?`W4KG29=2T'QAJ=IHFH2:M:>'M3^+_P`8]0\&SZK?:5J>B^(-3UCP->^/
MI?#WB#4/$NFZ]XFC\2W&J:9>2>*&\7^(Y?$+:G-XBU62_`-#5/V7_@KK>CV>
M@ZWX=\0:UI]K_P`)T]P=8^)/Q.U/4=>O/B/X$OOA?XIU?QCK5]XQEU'QSX@;
MX<ZC=^&=/U?Q#=:G?Z+I3I8Z+<:?;PQ1Q@;>5CW#2=,MM%TK3-&LY-0FM-)T
M^RTRUFU;5M5U_59;:PMH[6"34]=UV]O-2UK4&BB5IK_4+NZNKF0O-<32S2.[
M`'G]S\&OAW<>`?"7PS31]0T[PIX!T_0=,\#C0O%/BWP[XF\(6WAK16\-:3)X
M:\>:#KMGXGT74%\-2WFCSW]IK$5U>:=JFI6-Y-<6NIWD5R`>?^&/V3/@;X/M
MM0L]$T'Q@+34/!_AOP']DU?XO_&/Q+;:7X9\%:J-=\!VOAJ#Q+X^OT\(ZAX2
MUO?J'AO5=$73]1\/75Q<7&BW5C-<RO(`:%C^R_\`!73]"M_#2^'?$%_I%OX@
M\4^(GBU[XD_$[Q+>:C+X[O+74_'_`(?UW5O$/C&]O_$7P_\`%FKV=MJ7B'P5
MJES>>&]>OXA?:OI5Y=DS$`^@*`"@`H`*`"@`H`*`//\`4?ACX0U3XC^'/BQ>
M0^(#XV\)^']7\+:%=6_C;QM8Z%;:%X@E2XUNQN?!-CXAA\-ZK]NN;;3)YYK_
M`$BYFDFT#1)FD,NA::]B`<_JGP$^$^LZ=9Z3J/A3S-/M/$'CKQ$UO%KOB6S_
M`+2E^*'BJ^\:_$CP_P"(9;/6(I/$_P`/_%/B:_>\UCP5J[WOAO4OLFGPWFE3
M6^EV,5H`=!KOPM\">)-8U#7]:T+[9JVJ?\*M^WW?]IZQ;>?_`,*7\=ZG\3/A
MI_H]IJ$4,7]C>-M9U+4OW<:?;/M/V;4/M5I''`@&WD'Q"^&/A#XGV>@V7BV'
MQ`/^$7\0#Q3X>U#PMXV\;?#[7='UW^PM=\,/?6/B3P!XAT758/-\/^)]>L)8
M1>>3+#J<JRQO\I4`X^\_9R^#U[;:39S>&-0AM-,T^32;^TL/&?CG2[;QUI5S
MJNIZ[?Z9\78--\2P)\;-/O\`6]?\4:A?6_C]?$L=]=>-/%%Q>+/-XGUA]2`,
M^U_9B^$5IKOA;Q2;3X@7OB;P9X@M_$N@^(]:^-GQLU_74U&SL[[3K"VU;5];
M^(5W=^(_#]GI^M>)[6UT'6);_2K6'QQXMBM[*-/%VN+JH!ZAX_\``?AGXF^#
M?$/P_P#&=KJ%]X4\5:>^D^(-.TSQ!XA\+W.I:5-)&UWIDFL>%=5T[4H=/O(D
M-M=V\-Y''>6L]Q9W2S6MU/#*`<?X@^!'PS\4:%XG\.:]I?B#4-/\:?#_`,(?
M"WQ;</X_^(4&N^(O`G@:\\27V@Z%J_BFV\4QZU>[Y_&'BA=1O9+\WFM0Z[=V
M^LW%_;RF*@-O(Y^^_9B^$6I:[<>*;VT^($_B:?P_X6\-)XC;XV?&Q-=T[3O!
MEG=:=X>N=$U>/XA+=^'_`!!#I^J>);6;7M,EM-5O8?'/C"*]O;A/&7B!=8`"
MQ_9B^$6EZ%;^'M,M/B!IT%IX@\4^);36;'XV?&RT\;6NH^.;RUU7QK;6_P`0
M[?XA)XIA\/\`B#7;*SUK5-!36%TK4-7M(=8N[*;4XDNU`-#QE^SE\'O'%MH%
MGJOAC4-%M/#&G^%])T:T^'OC/QS\*+:WTKP+JL.N^`=,NH/A?XE\/IJ>G^$]
M;A.H>'K>^6YCT&ZN;NXTA;*:]N7G`.`_9_\`@#)X)DUGQ?\`$7PCX/TSXD7O
MQ0^+WCRT?P5X^\9>+O"7F?$_QEXG\40>)[C1-=\,>%M(A^*&G^'?&%]X%?Q6
MGAV769O#NCP6(U:/2[]]%T\#;Y'7W/[,7PBO-=\4^(+RT^(%U/XX\07'B7QK
MHMS\;/C9/X)\8:C=V=CI5W;>*?AY+\0F\+>(/#\VA:7IFBR:#?Z//I3Z1IUK
MH[61TR".T0`Z#6_@1\,_$>N_$CQ%KFE^(-2U#XM_#]OA;X_M[CQ_\0O["UGP
M(;.\L8]"M?"R>*5T7P]Y,&J:VT%[H]AI]Y;S>(];N(+B.XUO49;P`S_B9^SK
M\*OB[XAT;Q3X[T_QA=ZWX>T^WTS1+C0?BK\5_`UMIMM:^)M'\9P26VE^!O&V
MCV*:@/%?ASPQJQOS;&Z:Z\*:#,TS-H>GFS`"\_9R^#U[;:39S>&-0AM-,T^3
M2;^TL/&?CG2[;QUI5SJNIZ[?Z9\78--\2P)\;-/O];U_Q1J%];^/U\2QWUUX
MT\47%XL\WB?6'U(`[#P?\,?"'@+7?'OB3PW#X@BU;XF>((O%/C*35_&WC;Q/
M9W^NP6::9#?:=I/BCQ#J%AX:V:1!I^FK#HMMI\(L-%TBQ$?V31["&S`V\CT"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`
BH`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@#__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>a37-2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a37-2.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`#(!>P,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@#G]?\6>%?"?\`8G_"4^)?#_AK_A)?$&F^$_#G]OZSIVC?V_XJUGSO
M[(\-:)_:-S#_`&KX@OOLUQ]FTZU\VYG\B3RHVV-@`S[+XA>`=0\9:M\.=.\<
M>#[WXA:!I\>K:[X#LO$NBW/C+1=*GCTR6'4]6\+P7K:EINGR1:UH[K<7%M'&
MRZM9D,1=1%P#L*`"@#S_`,"_%CX6?$_^U/\`A6?Q+^'_`,0_["^P_P!M_P#"
M"^,O#OBW^Q_[3^V?V;_:G]@:E=?V?]K_`+/O_(\_R_-^Q7'E[O)?:`9]E\;O
M@OJ'@W5OB-IWQ>^%][\/=`U"/2==\=V7C_PI<^#=%U6>33(H=,U;Q/!JS:;I
MNH22ZUHZ+;W%S'(S:M9@*3=1;P#H/!7Q"\`_$K2KC7?ASXX\'^/M$M-0ETFZ
MUCP5XET7Q5I5MJL%M:7D^F7&H:%>W5O#J$=I?V,[V[R"18[R!RH69"P`>"OB
M%X!^)6E7&N_#GQQX/\?:)::A+I-UK'@KQ+HOBK2K;58+:TO)],N-0T*]NK>'
M4([2_L9WMWD$BQWD#E0LR%@#/\+?%CX6>.+.QU#P5\2_A_XOT_5/$%UX3TR^
M\+>,O#OB"SU'Q59:%<>*;WPU8W.DZE/'=^((/#-I=ZO+IT3/<QV%M+>/&+>-
MI``:$OQ"\`VUSXULY_''@^"[^&NGVFK?$6TE\2Z+%<^`-*O]*N-=L=3\:P/>
MA_"NGW&B6EUJ$5QJ:VL<EK;2W",88V<`!X2^(7@'Q];+>>!/''@_QK:-I]MJ
MRW7A+Q+HOB.V;2KW5=>T*SU-9]&O;A#I\^M^%?%&GQ7`;RY+KPYJENK&;3[A
M(0#L*`/+_&OQN^"_PTU6WT+XC?%[X7^`-;N]/BU:UT;QKX_\*>%=5N=*GN;N
MS@U.WT_7=6M;B;3Y+NPOH$N$C,;264Z!BT+A0#L+7Q9X5O+/PMJ%EXE\/W6G
M^./L_P#PA5]:ZSIT]GXP^UZ%?>*;3_A%KF*Y:/Q!YWAG2]3U>/[`T^^PTZZO
M%S;P22(`:&IZMI6B6T=YK&IZ?I%I-J&DZ3#=:G>6UA;2ZKK^JV6A:%ID<]U)
M&CZAJ6MZEI^GVENK&2YNK^WMX5>:=$8`T*`"@`H`*`"@`H`*`"@#\\/B]H?C
M[5OVA?BQHGPXM_CAJ'BNX^!_P?\`$?P_UGP]\;M:\/?"/X2?%#7]?^.OA?3O
M&WC[X=:O\7-)TW7?!\LO@CP5>:CHFE>"_&EO=P>$]6>YT*[NM8G@UX`]@O?V
ME]5TNYFUNX^%^H:O\/;_`,8?&3X<>"Y?!FN7/B7XN>)_'WP/TKXJ:EXITAOA
M8_ABPTVTT_5)?@G\0;30[BQ\::O>WT]QX82XTRQ.LWP\/@'G^E?M%?%SQOK_
M`,#UT'PU\+])TK6_VC]=^%GQ!M]$^+=]XHDFT73?V>O$WQ*N-)OM/U7X+Z7X
MA\#^,-)U*#6'U+POXETCP?K]AK/PWTS2;N)=)\77&I:2`'QX\<^#?B:?V?->
M^%?BSQA\6]$N_CAXD\`>(-'_`&9_C[)X5N?$EM+\!OBEXXN_#U]KOA7XN^#]
M"DU#3=5\+^#=?*ZMKUK=6UK9S16;%=9GM-5`,_P5\;O&WPE\(:'X=\2_#7Q!
M#_PDGP?M/BE\)],^)/QI\7^,OBQXK^(_Q$\;>#=)C_9]\37GBGX917/A+_A%
M?B;\9?`_@-?$7BS6IGM]-UKPS=SK=_8O$[>%`-O(T)/VQ?%J^&?C;KMO\#=0
MDE^#/@_XD^)+F\GU7XAZ7X`U?5?@=XA/A;XN>&%^)^K_``3M="FU"35;#Q)/
MX0/AZ3Q/)K=EX=NG\2V_@>^673K<#;R.@U3X\?%#6?'GP=\-^'?!6G^$6_X:
M/U/X4_&#0?$_B[3Y-0ATJY_9MU[XZ:!I^GW.A>$M?L[[4(?!NL:'K&I?8-3L
M8[;Q1X./AFRU/5_#VK2^*E`#]I?XM^+?`GC[X7V?@W3O&'B6+PKI^N?$[Q=X
M8^'?@[XA^/M<UF.+6O#'@K1O!?B71?AW8WHL-/\`%/P]\1?'O4/"[>*%T?1K
MKQO\*O#5Q<:Q:V/A[58KD`Z#XH_M):KX9\0^!O#?PM\(>#_B5=^/]/\``VK>
M%+K6/B;<^#M/\>:5X^\3?V%'J?PEG\.^`/&;_$K3_"&B12^,?&MQ9Q6D?ASP
MOJ&BZR&U"'5"EF`>7P_MC_$>^BU3Q%H7P&\/^(/!&C>(/@YH&I#3/C++%\1]
M-UWXR_$>/X=V?POUGPCJWPMLO#?ASX_^$[F\T2X\6^!-8\=Z?#H3^)=)AGUR
M2*]6Z`![!X<_:'UC5OC4_P`&KSX7>((Y]%_L[P[XU\7>'+3QWXC\(>%OB%=?
M#'2/BQ=V;^+9?AIIOA:3X?IH6MZ9I-OJ]_XCTKQ-<ZWJ=A;MX)M],O8]8`!X
M_;?MF^-M0_MF\TGX,>'[W1HO^$9T_0WM?B7XOUOQ5:^-O$G_``EFKW?PH^(/
MP^\%?`[7_$'A[XP>$O!_@K5;_P`8^"_"5EX_U?PS<ZWX?:]M6\.3ZSXH\,``
M/VL_%5OK'C7XAIX4_M+X-W_P`_9.^('PO\/Q7VHW7CN7Q5^T=X[\9>$/#">(
M?#?A7X>ZQ?V_]H:O+96.L6VA:CXSN=-L_!&GW?A_2M>U+Q-=Z7IX!Z!\7/'6
ML>//V*OC%\05TOX@?"GQ-9?!_P"*OB&RM4OO'?PZ\7^'?%7P[L/$=QIFL:1?
M26?A;Q3;^'[K7?#%MJFG/JFEZ#<ZKHE_:?VOHUHFI7>EQ@'S?\;_`(A>/K3X
M%_$[]G_1_''C#1OB%\%_!_QRU;Q%\5]+\2ZUIWC+5?`/[/7PV\`?$WX>:GIW
MCJUO1J5]\4/$,7QB_9RM/&%Q<Z=8V6HJ_P`68K%K('0KB]`/J"\^/$G@_P"*
MND_`#P[X*U#6V73Y/`_A#Q/X@\7>,M6MKWXC:1\*-3^*6E:!X\\<?\(EXGL]
M$T^Z\&Z&WVJ_UWQ1J'C^2ZNH-5;P/?\`A[4K3Q-J`!\_I^T9X^U/Q;^SG\7+
M'X?:AH-]\>O@?K]MX5^%7B+XT:U:^`;^36_B)^RI%X4\6^-M4TWP_JGA/P#J
M%HOQ+^(RZ7JBZ/=:SK]E>^&-"81>*?$^G>#M)`V\CL/B-^UAXVO_``)^U*?A
ME\/?$&BZA\)_A_\`&^^\&_$G7=*\7V/A5-=^#&L7W@KQI<:AK&N?"R?PA=^(
M(-9M-6UCPMHF@ZUXVAURV\+7MOXFE\'W"RVL0&WD>P?M-6FL7/[/NH>+-;O_
M`!!X/U#X<?\`"(_%GQW;?##XE^._#=XWA7P#J>F^)OC)X0\.^+/"L_A/4?$O
M]I_#FT\<Z-I2:I#HUM=7][I5[<)H]Q;PWNE`'E^D?$'4/AEI7QG^*FBVOC#X
M@-\2_P!H_P`5>!OAQX,\5?$/XH>(X]"MOAK;:EX/\:V&E>$M,T[X@:WI>GR_
M$CX>?&G7K+2_AKX,\2W7]C:OH$^IV.D>'M!U";P*!MY&?I/QWO(/B%??%#PA
MIOB#7_`7Q=^'_P#P3^\0?\(MXS\?:[IO_"%6?[1WQ,^+?PR_X2?PSX9\GQ-H
MNG>((H&^'1U30-(ET.PO_P"Q[V]?4I+]-^I@'0>&/VP=8UKQCX5\"77P:\02
M>()?$&K:!\0_^$(?QW\0-'\(>7\=OBA\`M%UO2?$>D_"FWTJZ\/KX@^$WB77
MM9O/&UY\.?L&A`7&D)XCU"VNM,M@#[?H`*`"@#Y0_;/UGP;I'P9TNW\<^*M/
M\'Z)K?QP_9LTR;5+SQ?)X$N1;6_[0'PVU_79-)\36NJZ;?:/J%AX4T3Q#K+7
M^FWMM=6%KH=[J4<T"Z>\\`!\_P#B+Q;\;?A_XH_:7O)VT^3Q_P"%_A?^REX5
ML_'^IW.AZ7HNH?#36OVB_P!H[1W^,>L:CI^@ZKI_@_4/#_PG\076K>)=8U/P
M4NAZ/K_@_P`1ZJGA>^\(6=G!JH`>*?'O[3DGP[\":MX5\>:AKGBOXF_"_P",
MG@7X?+\-;;X6ZCX>\2_'+PMXML_%?P/\4:;XB^+7PS\*0ZYI_B+X+^%OB=J?
MB3Q(NG:/X-UG3/#<^H^"M.T^ZUSPNNL`;'N'A+4+/Q3\`OBI\1_CAXZ\0>*O
M@9X^^'^NZA::9K6FZ%9_8OV?=*\%WVDS^.YKSX9^$="\07GB#XE^#[>Z^(6H
M6:VMC=:)_P`)A9^'M-TC3+K0KAM1`V\CY_\`'OQ,L_&?@GXJ>`8OB;\'_%/@
MCXA^'_#WP:\3_MLZ?I.A/X0\&^"?%_A#X\,?#WQ5U3PWXMM?#>N_$#0+G1-)
MM/M-OXB\%Z1'K?[4?ARZMO"VFQ3V^D^+@-O(\OU7XQ^$KS]FW]HS5O$7Q0T_
MPIK?CG]G#XAZ=J/P3U3Q5\._'GC?5/B3K/@/6[;4OCS\4_&_A/PW#.FG^,;N
M3P?X3\`W5A=Z9X%O?#4_PZC\-PQ-X[\+>%O#`!^C_P`)O"6J_P!JZW\7?$?Q
M`\'_`!%UOXC>#_A_HFFZ_P##CPQ<^$_`-SX!\)W/C/Q-X/OM'L+[QYXSN-3U
M"]N_B;XEN)M8B\0-97=D^C):V-NUI<76J`;'P!\/-9N;W3-<3X'^*M/U'1/V
MG?CA^T=\+O%WB'P'XOTI;GP[XR3]J/Q;XJMO'/@G4M!U6*/0OBA=_L=>)OBS
MXOA\3:DFHK=6OP7^%,%OYBII.E>*0#/T_P"/VC_"?X-?#R;]G_XA?#^;?\?_
M`-N_PGX3^#_AF;P)K'A7Q]]EG_:2^(/PA\-:7H6B0?V]_P`C;_PHRST73O"&
MJZ1]NMOBIHEDL=W_`,)'HNT`T-/\=^$M3_:7;4%_:#\'_'GX>^"]/_9\\8^.
M_%=IJWP[U*YL/`/A2T_;/C@UGXD67PV:VT#Q!I_@;XX^//@YKUSKNG>&=%LO
M"EK?>#M>UJ"U/AVZ\570![A\4?B'X)L[/Q9\6_@-JGA_PK<_$?Q!\./!?CO]
MIJWU;PAX?^$_B"S\(Z%\1=2THW/Q=U_1?&?AO1/[%N?L'A2?QS<?#SQI87NI
M>+=$^'UO<)K<$MY\-0-O(\/MOVJ/B'XBTJ7QSIGQOT^QN_$'[*'P6^-_P^^&
M>A>#O"6J^&?&/[1NM6WQ:T+5OV>?#7BVXT:]O)M/\0>,OAZVG3_#Y]6O?B%J
M>HV^I1^%M?TF'PQK-I(`?6'Q4^+'PL^'7[4_P@_X6!\2_A_X$\CX`?'[SO\`
MA,?&7AWPQY/_``D/Q%_9O_L#S?[:U*V\O^T_^$2\5_8]V/M/_",ZMY._^SKG
MR0#Y_P#%?BOQ%9^)]#L/AS^T'_PHKPQ^T7^T_P"-K'X1:A:Z?\+-5T+Q9X5U
M7]F72M3E\=>%O"/Q%\/7D^H>']1_:J\-SRQW&AS:-;>*YOBW=:I;75Z_CW0-
M=E`-#6OC3\2-*\$>%/C/XS^,6H?!OPUH?Q0_9[^"%WX)\4:A\"[_`$KQUXFT
M[XE^&O"O[4FN>,O&-W\/+"<ZAI=W=?%/PR\/A-?"FG0Q_`S5?&.F>9H.O6RZ
M<`<?\._VC?B!XLT>+7]>^/GV'P%XD\0?#:S\??&?PK9?""Y^#7P>B\0^!/C?
MX[O&^%_Q)\1^"K23PW]L\3:-\%_!NJ>#_CCX-F\2>%Y/%MCIYOM7O_&&B:^P
M&WD>H>!?C!XW\4_&/X$>"KKX]Z?IEGXP\'_'W6+GPS-I/PTEUKXI^$OA!\<M
M)TCX+_$7PO(-(MKFVU#XH_"ZVUW6K_5]*@O/#NL:!H_B&]\'Z-H,R0:YH`&Q
M^A]`'R!\+?!W[6.E>.]"O_B7XY_MCP3!_:?]M:;_`,+6^&WB7[1YNCZA#IW_
M`!)-`_8*^'-_>>7J\EA+^X\9:-Y?E>=)]LBB?3[X#;Y'U_0`4`9^K7ESINE:
MGJ%GI.H:_=V&GWMY:Z%I,FE0ZKK5S:VTD\&DZ9-KNIZ=IL6H7DL:V\+ZAJ%A
M:K),AN+F"$/*@!X?_P`+D^(O_1IW[0'_`(4?[+/_`-$M0!P&G:MJVD_$?Q'\
M6++]DC]I]?&WBOP_I'A;7+JX^+/P.O="N-"T"5[C1+&U\$WW[6\WAO2OL-S<
MZG/!-8:1;31S:_K<RR"77=2>^`./UGPMH?B&Y\52ZS^Q/^T??VGC'3_%]AJ_
MAZ;XK?!(>#;63X@:5JNB^.-<\+^!H_VNU\/>!_&&NZ;XA\3QW_B;PYIFE:S=
M-XN\0RRW[3>(-3DO@#0M=,@L[/PM:1?L=?M/M/X.^(%O\4M)URY^,?P;O?%]
MWX[M="OO"D>N^*?&UY^U_+X@\<[O!^HW'AR2R\1ZGJMG-HD=KHTMN^F65M:6
MX!H?$9[[XJW/A6\\7_LF_M7K=^"-0U+5O"]UX2^-_P`(_AQ<Z5JNK:5/H5[J
M:S_#K]L30WN]0.B7NI:?%<73326]KK.J6]NT4.JWJ7(`:$#X<C\-#3_V-OVC
MY[OPIXPOO'^EZUKGQ,^`WB?Q-=>,M1\&ZW\.[CQ#XD\5>)?VL[_6/&>H+X$\
M07^@0-X@OM36UTZ#3;6V6*'1M-6Q`.?\0>%M#\36WCRSU?\`8G_:/:T^)&GZ
MKI/BBTT_XK?!+0[8:5XDU6UUWQIIGAF#1/VN[1/`>G^,-;LK;4/%=OX871X_
M%EU%]H\2+JDS,[`!;^&=/M=:M/$47['W[5[:W9>,/!7C^'4KCX\_"^ZN7\9>
M`/`,OPMT+Q#=FZ_;,D%]J%U\/9GT+6VN1,OB6U"+XC756B1D`.@E>^D\9>-?
M'X_9-_:OMO%?Q!\'VG@/Q-J%C\;_`(1Z=;/X9T^.X72[70]&L/VQ(=-\(:AI
M\M]JMS9:KH%GIFHV5UKVL7EK=0W6LW\UX`?-_B?P)\:O#EYX;T_X%?LO?'_P
MMX?T/X?^'_A_X3U*^_:#^&.@:[\(Y?#6N^+]6T;Q1<65E^TAKG_#4'A_3O\`
MA,+8Z7\-/B5K%CX;T:'PA-I>FR0:?XWUA;0`S_`WPR^,,UM8>$/BI^S'^T>?
MA[X7T_0A!IG@;]IGP-:6WC_QOX/U70[_`,"?$FP\'Z9^T[X6TW]F;3_#<NCZ
MI?6'PV^'M]JGAJ.Z\5Z;L:,_#CPW<$`^L/[2NO\`A._^%D_\,8_'_P#X2W_7
M_:?^$V_9Q_L?^V/['_X1K_A+O^$3_P"&IO[!_P"%@?\`")?\4W_PEW]F?V[_
M`&%_Q(_[1_LC_0J`/E_X9^!/C5IWV3P]\1?V7OC^G@_PSX?@TO39/!G[0?PQ
M.H^(_%^G?8-,T7XF^"-)A_:0\.1_L=?8?#*>,])/@7X2:K+HESI7Q5O]`GN&
MT?PSI\.H@'L&B>`_#7A[3H=)TO\`8L_:?BT^U^'^@?#&SM[OXV?"?4_L/A#P
M?XJU+QKX%AL)=4_;'N)+#Q!X1\3:M?7OAGQ);O'K?AO?%#H6HZ?;VT$4(!V&
MK`ZS\+]3^#=]^QM^T>OP]UO3[W3-<TK3_B9\!M'U77+;5M0DU7Q#)K?B[2/V
ML[;Q#K&H:_J5S?W.N7]YJL]UKLFKZHVL37IU6]^U`&?X@TR#Q1H7B?PYKW['
M7[3^H:?XT^'_`(0^%OBVX?XQ_!N#7?$7@3P->>)+[0="U?Q3;?M?QZU>[Y_&
M'BA=1O9+\WFM0Z[=V^LW%_;RF*@#G]?\#:/XEU'1-8U']D/]K^VU;0/[-GL=
M4T#]H_P)X3U&?6-*\*S>!;7Q=K=[X6_;8T^;Q+\0'\$SOX>N?%VKO?:[>:4L
M>GWFHSVD,<*`&>OPP\))I6@Z$W[&'[5\VB>&?A?XM^"^BZ-=?M!?#R\TJU^%
M_CFVN;/Q/X0ET^Z_;4DM[[3[JTFLX(Y+N.>XM(_#OAM+.:W7PMHHTL`Z"V\+
M:':Z5XMT0_L3_M'WNF^-_!^O>`_$$&L?%;X):[(_AGQ?;+#XYM='NM:_:[NI
M_"^H>+KM(M6\3:KHLNGZCXEUF"'7=>NM0UF&.^0`]?TGXH^/-%TK3-&L_P!E
M+]H^:TTG3[+3+6;5O'/[-NOZK+;6%M':P2:GKNN_M17FI:UJ#11*TU_J%W=7
M5S(7FN)I9I'=@#@+D&X\`^$OAFG[&W[1^G>%/`.GZ#IG@<:%\3/@-X=\3>$+
M;PUHK>&M)D\->/-!_:SL_$^BZ@OAJ6\T>>_M-8BNKS3]4U*QO)KBUU.\BN0#
MS_PQ\,/"7@^VU"ST3]C#]J\6FH>#_#?@/[)J_P"T%\//$MMI?AGP5JHUWP':
M^&H/$O[:E^GA'4/"6M[]0\-ZKHBZ?J/AZZN+BXT6ZL9KF5Y`#0\+>`_#7@V\
ML;_1?V+/VGY+FP\077BEF\0?&SX3^+XM6UVXUVX\6VU]XGMO%O[8^I0^+_[+
M\;7^J^*]'AUR/4(=$\2:]K'B+1X['6]9O[^[`/?_`/A<GQ%_Z-._:`_\*/\`
M99_^B6H`]@\+:SJ/B#0K'5]6\)^(/`VH7?VK[1X6\4W/A6[UW2_(O+BVB^W7
M'@KQ+X@T63[3!#'=Q?8M7N\0W<2S>3<"6"$#;RL=!0`4`%`!0`4`%`!0`4`%
M`!0`4`%`'E^E?#"/2/BYXO\`BZOC3QA>W?C'P?X5\%7?@R\C\&KX-TO2O!E]
MK.I^'[C239>#[?Q"NH0:EXJ\9W+/>^(+V.5O%UZDD30V>E1Z2`>H4`%`!0`4
M`%`!0`4`%`!0`4`%`!0`4`%`!0!^<'Q:^"'_``L?]IKXR6?A'X:_!_\`X2;7
M?@!\#))/C-XEE_LCXC_![Q5J_BC]HSPQI/Q9^&B:9\.]6N_$/Q`TG3_#N@W,
M$A\3>"[D/\/_``U:Q:O"D4-SHX!T'C+X]_M':)XT\;^#_#GASX?^*O(_:`'P
M4\!2:!X8NKKQ5/\`VI\`M)_:1BU#6_"WC#XS^#M!OO\`A'O"5KJ^@W,Z^.]%
M_MRY\1QZO;VFB_\`")C0/'H'X&A\=?B3X9^+W[(GQOTO7?!^H1ZW>_LH>)/B
MAJ&G7/A3Q#XN^%^FZK-\,;;QMHZ^$OC:GA9?A]\1=0T77M0T>ZL-1\-:U>2-
M<:.;^TCC;3IFLP#C]"TOQ5^SUKNJ^+K'X6_LP?L\:?K'Q`\*:;\1O"WPYT_4
M?$\OB;]G'PM9^";:?XM:!<:;KOP\T[2O^$*^(WQ>\8P>+O%&N^"=-BT?PW?P
M:G>+J-OX3TJ#QF`=!I/[1G[07_"PO#&BZQ\.O#\?AC6O^%7^-M:AO=/TSP!K
M'@7X<?M#?$SQ5\/OA9X4^(%_\0/C)87>B?&#P]I_A.74M5L?#WA3QDGB+7=5
M;P=I]CH+V-IXB\1@'G_CKX^?'W4?@K\<M(U;4/A_X=\31?!_]M?4O"7CSP%I
MWC32;RT_X93^)UM\,M>U]-&N?&#7?A;Q!XGT_P`3QC1X[+Q%J?\`PC-_X1CU
MR:]\0)X@'A_PP!MY'TA^U%X.TKQ3\&?`VD?$K1O!_CF[M?CA^RG'JC7GA.V/
MAZZU75/V@/A=X4\37FD^'=?O=;?1M/U31-?\2:8UE-J.HR#3-?O=.N+N[AN9
MVN`#R_QS^U)\4_A1K?QEO?%/AOX?^+?!/P[^('Q$\'>'(M`?Q%X1\5:M_8/[
M(]W^UMI$6MOJ-UK]A8?V;I&@W'A2YU"U6X_MNY\6QZK%I_AV+PJVF^,0-O*Q
MY_KWB_XR?"/]H+XC6&D^$?A_XO\`B[\7?#_[-'A>W\0_#WPC!IUGXC^Q:9^V
M=XRE\::]\-_&OQ8\+QS>(+3PS\+9/"/V*\^+;_Z!H^EZU#J<ACB\'1`'N&B?
M&KXN>(_B'\(]`@U3X'Z%HGQ8\'_#GXGC2A+?>-]:\*>'I_"7B+5?'GP\B\7>
M&O'EOH7CCQAXFU6TM;WP'XETRUM-,O\`0/A]\5]3?3-17P/%_;8!G_M5:!X5
M\(>+_!'Q^U/X0>'_`(N:AI?P_P#C-\&;KPW?>&M.NKS6/^$[\$WWBCP5IUQX
M@N-"U>3_`(GGB?P9>_"?2]%>PF^WW_[3,UG:&2XU%]'\2@?@<_9^)]=_94B^
M`_[/O@3PWX?\4>"/A]X?^`/@_P")FJZ1X?L_#]X;SXU_$>3X/Z/X]U%+CQ?I
ML/A#^U/&UCXC\2-'HFE_%._UV_\`[7L];'@^(V?B7Q`!MY6#0=6\5>`?C/\`
M$WPM\,U^'_AG2/BE^U_XH\+ZW#JG@C4=4^R>*M9_8%\!?&/3?&EG'H'C+P["
M^_QMX-O[K7;*>*6YUS_A)KF6/4]+NT>ZN@-O*P?`3]J;XL?%CQ1\-X]6\`>'
M[#P1XD\/_#S1/$GB*UO_``UHUFGQ'\7_`+,OA;]I.^N?"TFN?%)_$FL>5;>)
M8]$C\$67@75'BL(+KQ/-XS:+3;W1;<`^_P"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@#C[+X>^
M`=-\9:M\1M.\#^#[#XA:_I\>DZ[X[LO#.BVOC+6M*ACTR*'3-6\3P62ZEJ.G
MI%HNCHMO<7,D:KI-F`H%K%L`.?E^"'P7GMO&MG/\(?A?-:?$G4+35OB+:2^`
M/"DEMX^U6QU6XUVQU/QK`^DE/%6H6^MW=UJ$5QJ:W4D=U<RW",)I&<@;>1V'
MBGPGX5\<:%?>%O&OAKP_XO\`#&J?9?[2\.>*=&T[Q!H6H_8KRWU&S^W:1JUM
M/:7?D:A:6EU%YL3^7-;12IAXU8`''^&_@A\%_!FE>)]"\(?"'X7^%-$\:Z>-
M)\9Z-X;\`>%-"TKQ;I0MM0LQIGB?3],TF"WU[3Q::MJL`M[Z.>/R]3NTV[;B
M0.!MY'8:CX3\*ZOKOASQ3JWAKP_JGB;P?_:__")>(]1T;3KW7?"W_"06::=K
MW_".:O<VSW>B?VEI\4=K>?8I8?M,,:Q3;T4*`#S^Q_9Z^`6EV=OIVF?`_P"#
M^G:?:?\`"4_9+&Q^&G@NTL[7_A.="M?"WC7[/:V^BI'#_P`)!X9LK/2-4V*O
M]H6%I#9W?G6\21J!MY6.@U_X3_"SQ7X5T3P+XI^&GP_\2^"?#7]F_P#".>#M
M?\&^'=9\*Z!_8VG3:/I']B>'M1TV:PTK[#I%S<6-M]EMXO(MIY((ML3LI`,^
M+X(?!>#5;S78?A#\+X=;U'QAIGQ"U#6(O`'A2/5;[Q]HMSJUYHWCB\U!=)%Q
M<^,+"[U_79[;699&O8)-:OWBG1KR8R`;>1S]E^S)^S;IMMJUGIW[/GP/L+37
M]/CTG7;2R^$_@.UMM:TJ'5=,UV'3-6@@T!4U'3TUO1='U!;>X62-;K2;.X"B
M:UB=`#L+[X3_``LU/7;CQ3J?PT^'^H>)KKQ!X6\677B.^\&^';O7;GQ5X'L[
MK3O!7B6XU>XTU[N;Q!X?T^]O;72]1>4W.GPW<T5I)"DKJP&WD=AJ>DZ5K-M'
M9ZQIFGZK:0:AI.K0VFIV5M?6T.JZ!JMEKNA:G'!=1ND>H:=K>G:?J%I<*HDM
MKJPM[B%DF@1U`./\=?"?X6?%#^R_^%E_#3X?_$3^POMW]B?\)UX-\.^+?['_
M`+3^R?VE_9?]OZ;=_P!G_:_[/L//\CR_-^Q6_F;O)3:`9\OP0^"\]MXULY_A
M#\+YK3XDZA::M\1;27P!X4DMO'VJV.JW&NV.I^-8'TDIXJU"WUN[NM0BN-36
MZDCNKF6X1A-(SD#;R-#PM\)_A9X%O+'4?!7PT^'_`(.U#2_#]UX3TR^\+>#?
M#OAZ\T[PK?:[<>*;WPU8W.DZ;;R6?A^X\3W=WJ\NG1,EM)?W4MX\9N)&D8#;
MRL>@4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4
M`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!
&0`4`?__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>a39-1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a39-1.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`%4!P0,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`S]6U;2M`TK4]=UW4]/T71-
M%T^]U;6-8U:\MM.TK2=*TZVDO-0U/4]0O)([>PT^UM(9IYKB>1(XHXG=V55)
M`!S_`(`\:Z5\1/!OA[QIHUOJ%A::]IZ7,VC:S%;6OB'PUJL,DEGKOA+Q5IUK
M=W*:/XPT#6[;4-%UC2VGDDT_4])OK*8B:U<``Y^#XJZ5?>/O&_PVTCP[XPU3
MQ)\/]/\`A9JVO[=(MM&TJ;2OBMK7B/2K#4]!U7Q-J.F6_B33]$M/"NM:EJ]Q
MIC7,:1V<VGZ<VI:]:W6D6H!ZA0!S_B7Q3H7@[3K;5O$5]_9NGW?B#PGX6MY_
MLMY=^9KOCGQ5HW@KPM8^58V\TB?;?$_B#2+/SF188/M?G7,D-O%++&`=!0!Y
M_HOQ(T+7?B/X\^%]E9^((?$'P[\/^`O$>N7FHZ)>:9H5Y9_$27QA'HB>'-3O
MEB_X2/R/^$+U,7EW8136$,TRV2WDNH66I6FE@'G_`,*?VC?!/Q/T+XC:Y=:9
MX@^%O_"J/$'B?0_'&F?%.;PAH=YH]GX0O-6TG6_&1O-!\6:UI4_P_C\0>&?&
MNCIXCCU(V$M_X!\2P1RM_8]PR@'0?`[XPV?QS\"+X_TWP/\`$#X?Z?)X@\2^
M'(-$^)>F:%H?BHWGA+6+KPWX@>[T+1/$FL2:+]D\3:;K>DR6FJM8WZ7.B73/
M9K;O;3W0!T'Q5^)&A?!_X<>-/BAXGL_$%_X?\"^']0\1ZM9>%M$O/$&NSV>G
MQ&21+'3+)?H9;N[EM+"RA$M[J5Y9:?:7-W;`'H%`'/VWBG0KKQ5K/@JVOM_B
M;P]X?\,^*=7TS[+>)]CT+QAJ/BS2?#E]]L>W6TG^UZAX&\4Q>3#/)-#_`&7O
MGCB2YMVN`#P_X@?M(:?\.M5^,>GZC\+?BAJ]I\$OA?HOQ>\3:[H;_"]M*U;P
M;K=SK4$<_AN'5_B;I^I7.H6T7A#X@7$]KJ&GZ:WE^`M2$!GFU#0XM>`/H#2;
MRYU'2M,U"\TG4-`N[_3[*\NM"U:32IM5T6YNK:.>?2=3FT+4]1TV74+.5VMY
MGT_4+^U:2%S;W,\)25P#C_`_Q(T+Q_J/Q'TS1+/Q!9S_``O^(%S\-]?;7]$O
M-`^V:[:>%?"?BV:\T6VU%8[N]\/OI_C#34MM2DM[>&_\F2[T\W6F7%E?WX!Z
M!0`4`%`!0`4`%`!0`4`<_P"*?%.A>"M"OO$GB2^_L[2-/^RI)(EK>7]Y=7FH
M7EOINDZ1I&DZ9;W%_KOB#5-7O+'3=.TC3;:[O]1O]0M+&QM[B[NX890#C]:^
M+'A[PO<_"_3?%5IJ'AG6_BCJ$&F6>A:I>>&3J'A2YFTI9VD\73:?XBNK&'3X
M_%=_X4\$_;](O-7M9O%'Q"\):3;33MXALY90#T#5M3MM%TK4]8O(]0FM-)T^
M]U.ZATG2=5U_59;:PMI+J>/3-"T*RO-2UK4&BB98;#3[2ZNKF0I#;PRS2(C`
M''_#CXA6?Q,\*^$_&NB:#X@TWPQXT^'_`('^(6@:GK0T*'[19^.=.N=6AT&:
MRTW7;V[M?$&E:>NFRZ@)(%L#_;MFFGW]^\5ZM@!MY'H%`'/VWBG0KKQ5K/@J
MVOM_B;P]X?\`#/BG5],^RWB?8]"\8:CXLTGPY??;'MUM)_M>H>!O%,7DPSR3
M0_V7OGCB2YMVN`#H*`/G^?\`:*\*CX$^+OV@M-\*_$#5/"7@K_A8LVK>'_[#
MT[PYX[&G?"SQCXB\(>,]2_X1OQOK>A_V;]D_X176]6_LW5;G3M5^QVOD/IZ:
MNPTN@#/\:_M0>`?`?P&M_C_JFD>,+O1)]/BN3X$TG3]%N/BA;:K:"[E\9^$K
MKPO<>(+>WA\8>"+31O%]WXJTO^T3)H=OX`\4RW9"Z'=%`#Z`TF\N=1TK3-0O
M-)U#0+N_T^RO+K0M6DTJ;5=%N;JVCGGTG4YM"U/4=-EU"SE=K>9]/U"_M6DA
M<V]S/"4E<`X_Q5\2-"\'^+_AAX*U.S\03:M\6?$'B#PYX;NM.T2\NM"L+SPU
MX)\1>/-0?Q'X@*I8:/YND>&KV*SM'G>_OIG9[2SFM-/U2ZTL`]`H`X_3_&NE
M:]X9UOQ-X0M]0\71:)J'CG0UTG28K;3=5U7Q-\/?$.N^$/$7AO3#XKN]'L4U
M!?%?AS5=+AN;Z]LM.EDB2?[:MC(MT0#Q_P"'_P"TAI_Q#U7X.:?IOPM^*&CV
MGQL^%^M?%[PSKNN/\+X]*TGP;HESHL$D_B2'1_B;J&I6VH7,7B_P!<06NGZ?
MJ3>7X]TT3F";3]<BT$`]0^*OQ(T+X/\`PX\:?%#Q/9^(+_P_X%\/ZAXCU:R\
M+:)>>(-=GL]/B,DB6.F62_0RW=W+:6%E");W4KRRT^TN;NV`/0*`"@`H`*`/
M/_B1\2_"OPIT*S\1>+;O[)I][X@T30(]D^G02Q_VI>+_`&MK<O\`:=_:1IX?
M\->&8->\7:_>"1O[,\-^#_$&KRHUOI4V`#T"@#R_X:_%72OBKHNF^)?#'AWQ
MA:^'=1U#XDZ2VI^)-(MO#%SI6J_#7Q]=_#V\TS6_#.L:C!XATK4-6U+3-:O;
M&WGTA9+>UT6YCUI=(U%[>PN@#U"@#G[GQ3H5EXJT;P5<7WE^)M?\/^)?%.D:
M9]EO&^UZ%X/U'PGI/B.^^V1VYM+?[)J'CGPM%Y,T\<TW]J;X(Y4MKAK<`Z"@
M`H`Y_P`2^*="\':=;:MXBOO[-T^[\0>$_"UO/]EO+OS-=\<^*M&\%>%K'RK&
MWFD3[;XG\0:19^<R+#!]K\ZYDAMXI98P#H*`"@`H`*`"@`H`*`/F_P#:.T+Q
MOXXTKP1\,/#GAKQA>^#?'_C"VT_XN^+_``???#2WOO!?@'3K:6_4/IOQ*UM;
M'Q'I^L>*U\-6.M:++X8\866I^$5\::==:;)<W^GP7H!YAIOPW^-6@V?[3GP<
M\*7GQ`_LCQS\/]?\1_"_X\^,];^&/AV*R^./CK0M:T_Q4FD:?\'&TB_\%^'X
M]7NO"'B*&[L?AYIUW-XD/Q&UN]O+V[U;39M4`/G_`,0_";7?#OBS5?%]E\#_
M`/A1?PEU7X@?\$_T\(>&+?XEV=M>:;XO\(_M>W&GZOI%S\*?AIJ6I>#-$\/W
MME\2=3UN?2+#7;W1/M]SHGB5;>Z\6ZUK?_"&@;>5CU#0?@M\0_!WC+X!^'?"
MGP.\'P>&O@G^T?\`'7QDOCY_$GA+PSHNC?"/XXQ_'74K/0/ACHVC:;J>NII^
MD:5X\\*V&L:)>:9X8@?7_"GARRTY-2T%KCQ1X7`/']`_9;\5W/PJ\63^+?V;
M]/UO6[KQA^RAXBG\,^-O^%+^(?C;\0-0^&GQ7E\6?&74?'7C+2/&-M\-?B9J
M%QX0\9>-]&T[QQJ%EX$\4>)K'5=;TWQC:73&UU+6P-O(]0\(_L_?':.\_:,U
MBZU'Q!X0^*?Q-^'_`,<=(L_&-K\0O!P^'`\5?$?79]8^"Y\+>(?!_P`-]-^*
M?C3_`(5KX<:V\/1^)?B&^EW/A5+>ZT_P-HUYHNM.VC`?@>H?L_?#GQ-X.^-'
MQ.\2Z7\"M/\`@=\(/%WPO^%FD^'/#<GC7P]<:KHWB;P9XK^+-QJNF67PU\"R
MZSX3\#:??+XSN=7N;?P[XA;3GDOK#5BMYK_BOQ/;^%P#Q_0?@C\8?$&F:G:S
M?#[4/A_I7Q<\8?&+P5\<=!\6^(?`U[J&N_![QA^U'JGQT\.7#7/@OQ7XDATK
M3S\%_B9^T3X"E?P]?VFNIXH^)NERM$=)TJS\5>&@#H+WX8?$CQE\`9O"GB3X
M1^,-*5OVC_C)X\\3^`9K_P"!?B/QEK_@'Q]\1OBI\1?"EUX7T3Q/XQ\1?"3Q
M-J%IJ_CWP8+_`$KXC/=65HOAOQ#J.D6I\0Z3X1U9P#P^W^"/QJ\0>"?BW>>-
M?@)\8-;^*VO_`+$'P\^#&AZQXS^+7PQ\5V>I?''3/"'Q*^&?CGQ/I%M?_'S4
MK#1?MND_$FTOX=>ELM-N_L#?$9D6#5?&-_9^,@#U#Q9\#?'GB[PEJ.DZC\)_
M&$%VOQ0\*>,OB7XJME_9MUSXH?M-^!K_`.'GC>70M`\6Z+\0]:\2>`M:\8?#
MGXB>,]#L;_1/%?V7P?9V_@,:O\-$TZ&/P_X=\.@;>1[!\*_A!XF^'?QYA\43
M_#;3]5EUW]G#X'>`_&/QKU;Q9X>U[Q-)XF^'Q^)=KXVM=3\5/X?TWQ9\2/&&
MMM+\&EFU6^\.>'-.U33O"[WUW=6=]X=TK0+X`[#XX?!S7?'WC;X?ZEH$WV;P
M_KGD>`OC1:0QV<=GKWPXTOQ?X7^+%FGC"SFU2T_X3?P_/_P@?BWX8CP_-!?)
M#8?M.^*=0*'3X=8T[7P/P/+_`-IGX=?%75OBO\.?B/X$\&>,/%S>"M0^%5YH
M+>`=8^%%CJNG6VB_%5=9^->D^(;SXP^(])N?">G^)?A<]MI&GO\`#*_T:Z\2
M2?VMH_Q!N;SP]::#;VP!GW/P]^(!^,7BGXNO\#?$%Y<^`_VG[CXD>$I!JGP@
M;Q?X[^''B+]DRQ_9OUZS^'M[<_$1(=&\WQMX:\/>*+_3?%6I>$TN=$L-+G47
M.MV0T:U`/'[C]F+XU:G\/_`/A74?!'_"!:1X1^('[4<OASP+\$?B!\,7L_"F
MI_$WXOVWC3X+_$JWUOXE?"M[#X;^'_"&DR^-[&S\3>!-`O/B#X>L-<T:]\/Z
M9!=ZQKWA[10#[?\`VA/!FH^,='\!A?!'_"T_"7ASX@#7_B+\)<^%9_\`A9/A
M5_`GCOP[IFB_V-X^U;2O"GB#^ROB!X@\$>+/L?B+5+&VB_X0O[?:/+J^G:;:
MW0!\H6/P!UI_'/PNN_B#\`_&'Q"\">'OA?\`M+03>#&\:>`=3^'?AS3_`!O\
M8;+XF_`;X+W_`,+_`!%\6;'PS?ZAX6\#^'K?PN]O::/J/A>PU>U\`?9-8N]-
M\%Z9K'A(`^S_`-GZ'QW9_`[X3:;\4--\0:7\1M$^'_A?0/','BG6M'\1Z[=^
M*O#^DVVBZYK5]K^@Z_K5IK']KZA83ZK%>'4IKF:'4XGO4M[UKBV@`V\K'L%`
M!0`4`%`'S_\`'3_B5:M\"?'FH?Z)X/\`AC\8-1\6>/\`77_X\_"?A75/@=\:
M/A['XEU<)F2W\/VGB;QSX;74=1$;6VE6%Q=ZQJDEIH^E:C?V(!XAXW^$/CSX
MT^,OC9XA\9P?'#X;Z;X8T^S\&_"6P\!W_P"S;=W/C[P;HT=AXP_M_P`$W_C=
M/%^H?#3XH7WQ8T<W\.MPZE\.&-KX=^%-[=/;ZSX3DN=#`_`T/$_A?XL?$[0O
M@3XM^)?P3_MOQ!9?#_QCHOC?X4IXS\->'+/P+\>->O/AW_PB7QDTCQ-IOC+5
M_P#A$_#_`(9_X17XA#3O&7A'5-?\>^'[#XA6DNC:3=:A=:K;V(!\W_#CX$^,
MH[&T\*^)O`^GR?%CX5_`_P#X)I>/I_"C^+X_&4FFZU\!_BY\:8M4T[P!K7B-
MK71/"/C#6_AOX'U32ELM*N=)T!=9\6ZM#/K4UGJNI^(M1`_`[#Q#\(_B[JNF
M?%K[5^SO]@\,>/\`]I_1OC%IWP^\*^*/@GXMBUS3KW]GW3-(U2Z^-?PJ\>G0
MO!7CSP_)\4/#WA^Z\0>'['QS8:K-XDU;5=:T'Q"K^$=%\4>*P-O(Z#3?V<_B
M/X3U'QEIG@#X:_#_`,$>,/&/[$'PT^"UK\:?"?B.70-'\!?$?P9X5^+'AR_L
M_#6O7"ZK\3=4VZI=?`Q+*_U"W5WT+P1#=WNLR:QX5TO2-6`-#0O@+K^@_"CP
MUH<OPP\8>+O`&F_'"^\=>)/V>_&M[^SR^J^)?`-S\*M;\%VGA>W^'?@.P\)_
M!/0=/M/B]>:%\0D\-Q:S<V4DFBS^*Y=1?Q?J']BV@!H:;\,/C)I'[$OQW^$N
MH_#?S_B!XH_X:<T#P1X4T#XIP?$#4=6T[XP>./'M[X:UO6_'_P`2W\-_:?)_
MX39[VYO-7U"XU6[TK3(]1O$3Q!J4_A^P`./^+'P1^,/B?PE\7]'TCX?:A?>#
M=2\'_';QK\(_AO\`\)#X&M?$VB?&']IKX>:'X/N;?5-7N?%<-C+J'ACQ7XW_
M`&L-9\1)=^);_0ET[XP:`OAB77KG2+33O!X'X'8?M!^!OB[XG^(7PG^+'A#X
M;?$"_O?#'_"GM9TO1/"^N?!.#Q5X4_L_XF0Z_P#'+PGXTU+XB>-HK;PQ_;7P
MRG@T"UF^$7B"T_X26YAUG2/'&IZGX9M/#R0@'C^C?`#XF6_A7X<:1X=^$_Q@
M^'GBFZ_:?^-7C'Q=X^U?XA_#WQGXJ\.?#/Q/IWQ]TSX=2ZWXCF_:`N_$E]X?
M2V^/T`U33_"/B*R\0Q7,'Q-US2-0T[Q7KFG>(O$8&WE8]`L/@5XTUOXA?`SQ
MO9_"3Q!\#_#_`(<\/_#[^ROA5X%\0?`+2_"OP1\5>'_B9XU\6_&O^U-=T_PU
MKFJZ=X?\?>']8T&P@_X5(-.N?&]M9W&C?$'_`(1[3YXI],`_`^@/V6_AWJ/P
MI\.?$#P6?A1X?^&'A^+XP?%WQ#X?FT2X\*V__"8:=XJ^*?C?6_#>L0Z!X0CF
MMM*\/V/PRN?AOHVGOJ5[!JJ_V/>:7-HVFZ?H&EW.M@;>0?`_X.:[\/\`QM\0
M-2UZ;S_#^A?:/`7P7M)8[-K/0/AQJOB_Q1\6+Q/!]G!JEU_P@_A^#_A/?"7P
MQ/A^&"Q2:P_9B\+:@$&GS:/IV@`'Q_HGP=^/?AKX<?M:^`!\*/B!JUS\6O@!
M#X=TI;7Q-\![?P3K7QXU>+XC>$OB)X@\+7/_``GVF^)-6\/ZQ;>,_!FK1^-?
MBDE_X]UG2/`]T/%>JWVMV&D6%^`>@>./A'\3)/\`A+(?`?[._A^[N?&O[3_P
M#_:PT&?Q-XH^'OA#1_A]J.A?\*(L/B%I.J7>@GQ)?VOQ@FU?P3X]O-:U#P_I
M6J:5=:%XOUN]LO$6MZW<?\(SK8!ZA\#O@SXW\%?'3XJ>._$[^,)V\1ZA\2Y+
MS7[S7?AHG@WQ9I7BOXDP^)_A19Z38>&_"B>/?&>H>"?AW;IX9:]^)6N01^%&
M>]T7P3::EX>UJ6ZTD#\#/\9?"3Q?J?QEUO7H/AS_`&KXFU7XP?![QKX`_:!^
MU^"1_P`*H^$'@Z#X3K\2?A#_`&UJ&OP^/M`_X25/!OQ@A_L+POH.I>']0_X7
M)C4KV!->\1-I@!Y?\'_A)XW^'NJ_"'7]-^`'Q0T/Q(/VC_CK?_$?Q5XA^(GP
MT\6^+;7X#>.KGXL:EX*T/Q!XKU+XX:WJVM^#T\1?$GP!XCU#PSI]YJ8E\1?#
MSQ3XCGL+O7KK3]1\5@'N'Q+^&?C3XU_&6[\/^(K3X@>!/A3X*^'\\/A+QCH\
M'P"\4>%?'7BKQW!?Z'\3--\0>"_B;8>.YG\CP3>:1H>CZDW@K1+F.VU?XH:=
M<:A-I7B*TBU8`X]/"?Q5\7_!?X7:+\3/A!XP\76GPQ^*&KV?C7X5>//$'PH\
M7>+?CG\(]%\*?$#PG\,-6\327GQ(O_!/C+Q@M]X@^%OB[Q`GB77]&@/B+P)K
MVJZ7;>=::!#J(!\WVW[-WC;7;6\^#7CWPKX?T7QAX[^`'_!1/0_".G>(?BIX
MO^,'A6"+Q)^T=\'?'WPN\9:QJ?B713);^(+3Q-XYBU!O$:Z9>>)+ZVT+P]JN
ML2QZQ:1:+X<`V\CV#QK\/?B[XT\2_M!^*XOV?O$'A#PQ\7?A_P#LWZ+>Z;X7
M^)'P3T[XU>+-1^'?Q8\60^,8?$FB:SIWB/X<:YYGPUUZXAU#2O$?B;5=*UOP
MQH^@>');F1_$FK:?X$`,_0/V?O$W@O4/@?XI3]FSP?>ZQHWPO_:<\->([7X2
MZCX>^%6H?#V/XH_%#POXZ\-6GAC5]4^)&IZQX(\8?\()J?Q=T[3M/\'>+=2T
M;1/%'C6^TC3_`!)H?A/5I/$E@`>7_#?]F[XF?#G2?`WB/2/@1\0+#Q[X7^#_
M`.QG#?SV?Q*^'L^K7GCOX-_''7;#X\Z:UW>_&4V6I>(-;^!FL2Z3X;U*\N/L
M=IX'O]2\$PZAH%A?7'AFZ`.P\<_LT_%6ZT7]KMET+XH>,/%'Q2\'_&K0=);1
MOB#\*/!_A[QQ<_$+Q]%K/P1MK*\TR/PYXR\7:?X!\%BTT36#\5/%UO:Z'ID&
MN^%O!VD>)/#?B::W@`_`T/'_`,"M6UJ?QEH.C_LK>(-0^'$O_#(/Q)T[PQXF
MU7X':]_PDWQ'\#_&6?Q)^T'J&J#Q#\6[YM:^,'B'X1>+(O#.M>+O$-T7\4?\
M(5K=CJ'B"^LI=)N->`/TOTF359M*TR;7;+3]-UN73[*36-.TG4[G6M*L-5>V
MC;4++3-8O-)TN?5M/@NS-%#>3Z9ITD\:)*]I;,YAC`-"@`H`*`"@`H`*`"@`
MH`\O^*%SX!\(:4OQ=\7>$M/\1:W\+]/UJY\&75MH.BZOX^BU7Q-;0:$?"7PS
MFU-H;A/&'C&[DTKPY9Z78WEI)K-[J6GZ;F1KB-"`>@:3JVE:]I6F:[H6IZ?K
M6B:UI]EJVC:QI-Y;:CI6K:5J-M'>:?J>F:A9R26]_I]U:30SPW$$CQRQRHZ,
MRL"0#S_PG\5=*\:ZUXQT7P[X=\82MX!^*%[\*O%=[J>D6WAVVTS5;'P#HWCZ
M3Q%'9^(M1L=2U/P?/%XAT/2;2_L+"ZDOKK5+>^LK>X\/2#6Z`/4*`.?UGQ3H
M7A[4?">DZO??8]0\<>(+GPMX6M_LMY/_`&GKMIX5\3>-;BQ\VUMY([+;X9\'
M^([SSKM[>$_V=Y*R&XN((I@#H*`"@#G_`!9XIT+P-X5\2^-?%-]_9?ACP?X?
MUGQ3XCU/[+>7O]G:%X?TZYU;5[[[%IUO/=W?V?3[2XE\FU@FFD\O9%&[LJD`
MX_XM_$Z/X2>&=.\32^"_&'CB+4?&'@[P5'I/@J3P;'JL&J^/?$-CX0\,W%Q_
MPF_C#PW8C3[GQ7K&A:6[Q7LDD,FM03RQ)8P7EU9`!X*^)T?BC5;CPUX@\%^,
M/A;XRCT^77+'P?X^D\&RZKKGAFWN;2PO/$GA[4O`/C#Q/H6LZ?9:K>VEEJ%M
M;:N^HZ5)J6DR:K965MXBT2?6`#L-9\4Z%X>U'PGI.KWWV/4/''B"Y\+>%K?[
M+>3_`-IZ[:>%?$WC6XL?-M;>2.RV^&?!_B.\\Z[>WA/]G>2LAN+B"*8`Z"@`
MH`*`"@`H`*`"@`H`*`"@`H`S])TG2M`TK3-"T+3-/T71-%T^RTG1M&TFRMM.
MTK2=*TZVCL]/TS3-/LXX[>PT^UM(88(;>"-(XHXD1%55``!H4`<_H'A/PKX3
M_MO_`(1;PUX?\-?\)+X@U+Q9XC_L#1M.T;^W_%6L^3_:_B76_P"SK:'^U?$%
M]]FM_M.HW7FW,_D1^;(VQ<`'C_B#XZ:MI7Q'\3_#+0/@3\8/'FK>$_#_`(0\
M4W^K>%M1^!UCH5QH7CB7Q)9Z%?6,GCGXT>';]]VK^#?%NGRPS:?!-'-H$LAC
M-I=6-S?`'L'A;Q3H7C/0K'Q)X:OOM^D7_P!J2*1[6\T^\M+S3[RXTW5M(U?2
M=3M[>_T'Q!I>KV=]INHZ1J5M:7^G7^GW=C?6]O=VDT,0`:-XIT+7]1\6:3H]
M]]JU#P-X@MO"WBFW^RWEO_9>NWGA7PUXUM['S;FWCCO=_AGQAX<O/.M'GA']
MH^2T@N()XH0#H*`.?\,^*="\7Z=<ZMX<OO[0T^S\0>+/"UQ/]EO+/R]=\#^*
MM9\%>*;'RKZW@D?[%XG\/ZO9^<J&&?[)YUO)-;RQ2R`'/ZC\2_"NE_$?PY\+
M;J[V>)O$WA_5]?LL3Z<MG:_V?*G]F:+?^9?I=P^(/$&GV7C74]%LX[27^T+#
MX5>.;J-U3PS=[0`^*OQ(T+X/_#CQI\4/$]GX@O\`P_X%\/ZAXCU:R\+:)>>(
M-=GL]/B,DB6.F62_0RW=W+:6%E");W4KRRT^TN;NV`.PLKRYN;G5H)])U#38
MM-U".SL[R\DTI[;7K:32M,U!]6TE=/U.ZGAT^.[O[K3&34X-.NC=:+>NEL]B
M]G>7X!H4`<_HWBG0M?U'Q9I.CWWVK4/`WB"V\+>*;?[+>6_]EZ[>>%?#7C6W
ML?-N;>..]W^&?&'AR\\ZT>>$?VCY+2"X@GBA`.@H`*`.?N?%.A67BK1O!5Q?
M>7XFU_P_XE\4Z1IGV6\;[7H7@_4?">D^([[[9';FTM_LFH>.?"T7DS3QS3?V
MIO@CE2VN&MP#G_B1\2_"OPIT*S\1>+;O[)I][X@T30(]D^G02Q_VI>+_`&MK
M<O\`:=_:1IX?\->&8->\7:_>"1O[,\-^#_$&KRHUOI4V`#T"@`H`*`.?T[PG
MX5T?7?$?BG2?#7A_2_$WB_\`LC_A+?$>G:-IUCKOBC_A'[-].T'_`(2/5[:V
M2[UO^S=/EDM;/[9+-]FAD:*'8C%2!MY'/^,OB1H7@J\M-(NK/Q!K?B"]\/ZY
MXOM/#7A;1+S7-=NO"'A+7?!>A^-?$%C8VZK_`&G_`&%_PGWA^]ET>Q>YUO48
M9)8=!TO5]05+*4`[#2=6TK7M*TS7="U/3]:T36M/LM6T;6-)O+;4=*U;2M1M
MH[S3]3TS4+.22WO]/NK2:&>&X@D>.6.5'1F5@2`:%`!0`4`%`!0`4`%`!0`4
M`%`!0`4`?,'QJ\+?$#XD?$?X7>!=/L?B!X8^&6E?VG\0M?\`BMX,NOA!<1:9
M\1_#TML?AIH.K>&/B7<:[_;_`(?MMOB369@?`.K/9>)+;X<ZMIE_:SZ-J%QI
MH!Y?I'PZ^*MO\'OB5\$V\&>,+OPIX"^*'@F;X=W'C#6/A0E]\:?@7IGCGPAX
MS^(WP[CTOP5XC@\/:3I^K:;IGQ)\%Z+X4U70_`?AM/"/B+P7H%];V-K%K9TP
M#;R/'_#GP:U71?BGX)MO'/PET_P-\.O'/[5_BFY\#?#^]^(]SX\TJY\`^+O^
M"?OCKPGXA\)>+/A_`+CPGIVGZ6OP^LM'LM+CN];LM$CG\0>&O#1B\)6MEJ/B
M\`T-(^#WQVT2S^'UAI?P8_LW4/A?^Q!\5?V8];^(7A_XL^#O`WQ'\9^*M-T+
MX7GP-=_"_7=/TC79-*\/WWB;PIJ,OA/5_%,VCW.E/XB\2ZIK6B:'<:=86'C8
M#;RL'AW]F[Q%X:TSX2^)=-_9K^']WK/@_P#:?UGX@Z)X9ETGX6>`-=T7PK=_
ML^ZG\-M#\8?$F+PUXD\1>"O"OB#_`(6AX=^&^OZ[-\)()[:XA\-:+XHTWP=#
MXC@GT*S`/+X?V6_B&-%U#5M&^!GQ0T/QW+X/_;RL_#NM^)/C!X2UKQ1HWC+Q
MUX^\.?%?]E?5M;\2M\<M9GU#3],NX-0EL4:^U-=$^(J7/C.:VMM2NAXQN`#Z
M0N?@_P#$#5OCWXI^,.N>&OC`]EK?A^XU33-&\.>//A!X1O-(\!7WP'L?!U[\
M"7\6:3/_`,)Y_P`+`_X6U_;?B*W\/Z/\0-!^&MI?WUAXS@\3+XFTQH+\`^?X
M?V:_B!!\#O#WPOT_]G#Q!:ZMXD_8@^)WPW^*EYK?B?X0:Q9Z]^T%I6D^"8_@
MC>>*]3O/BIJ%_P")/^$;U?X>^)!X0U(Q7UKX0L/B%X<LM,.B6D.K6GA@`^T/
MBII7C>\^!O@#2/"/P/U"WU+2?BA\"-;M?A5X*UWX:6DG@GP#\+/C'X/^(4-C
M<7&N^)O#/AFTU"#P/X'MM,?1]!U'4[*SUG5(-.L+[4=&M'UZ@`UKPY\4/BIJ
MNM>/K/P3J'PEUOP]\#_C'\*O`?A[XC^*-/M]5U_Q;\5+GX?ZU'XBU?7/@/XZ
MUBX\$^#](N_AMX?MH;_0_$C>(KF37M9F@M]#;P_IMWXE`_`^3_!GP(^(NBW7
M@B3_`(9Q\0:_9?"G]I]OB!\*['XJ7/[+'AS_`(1KP)XL_9QU;PM<I8VOP8U*
MX\._#SP_I'[1NF:#XOU:V\)^&#>-]HTSQ-8:5XB\36U]'$`?2'P.^#/C?P5\
M=/BIX[\3OXPG;Q'J'Q+DO-?O-=^&B>#?%FE>*_B3#XG^%%GI-AX;\*)X]\9Z
MAX)^'=NGAEKWXE:Y!'X49[W1?!-IJ7A[6I;K20/P/L^@`H`*`"@`H`*`/'_C
M7\:/#7P+\*Z?XM\4VOVO3]1\06OAR&/_`(3/X3^!MMY=Z=JNIQO_`&M\8_B+
MX+T6XQ!I%P/LEKJEQ?ON\V*SDM[>ZFM0`^"GQH\-?'/PKJ'BWPM:_9-/T[Q!
M=>')H_\`A,_A/XXW7EIIVE:G(_\`:WP<^(OC31;?,&KVX^R76J6]^FWS9;..
MWGM9KH`]@H`*`"@`H`*`/E#4]6^)/@_]H7XF^+M.^`7Q0\=>%->^%_P8\%:-
MK_A+Q!\"[6VO=5\$:_\`&;Q/KUPMAXX^,WAW4K?3TB^*.CV,3W%C#))=:3JF
M(A:I:76H`'S_`/'C]GCXPW?P>T;1?"FE:AXC\96VH?M'?$6PA^'&L>!DU7P3
M\;_C!XYU3XG?#V]T?4?C3-I>A1^#_"6J^(_$^DS?$31;#0_B19R0:-?>$?[`
MMM>\365`&AJOP2^(&K6?[5-EX4^#7_"L;;XT_$#X4_$_4=<L=1^$%EXV\9>&
MK+0O@1??$'X3V^B6LGB+PWXD\07]SHO[0MAJEOX[O+;PG>ZOXYA6677M$\9^
M(=2T<`^@/"WPQ\5:+^S98_#FSTKQ!=Z[#]JETKP_XI^-6H_"_7=,T>[\>W'B
M+1_#U]\3_P!GCP7:Q^`?[%\,W%I81>'O`FBSZ%IL.EQ>%-.O+_0;=-5NP#C_
M`-ESX(?$;X0ZAKJ>,]&T^UM-1U#XFZS;ZGIG[5/Q^^+UL)/'?Q0U#QWI^CR?
M#;XE>#M)\/6NH66FZJ;2[\9PW#ZSJ5UIMQ>74;3>)=2>,`\OUOX6_&[Q5H7Q
M(^/!T+XP>&OCG8_$!O$OPV^"S:G^S5-H6J?\*^O+S2/@E;'QF=0U?Q!X8^']
MUX/UFY3QMH6E_%3P_P#:IO&'Q<ATBR6U\9M#KH!H?M2?"+XA_%O2OB%>Z9\&
M]0\8ZQX^_9PM?"7PNM-6\<>$O"NJ_`;XABV^)][\0UU/Q!:>*)GT34/&.B>+
M?`_AN:'P5<:_I'BN3P2^@>,;_3O";Q:K*`9_A[X?:Z/B5XV^)ECX`_X2KQM\
M(OVOYO&VO^'-$\56?BCQ?]C^)W["/PQ\+>-/"GPW\=?%6]\-PW/A^'QMXW\-
MZ@+'4]0\*6']B>"K>.RL;>72=(T2@#R_7_V;?C#K'PJ\)_#'4OV?_!_V2Q\8
M?M7_`-@>![#Q=X&\9_L\^&+'XH?%>+6?A[JGQ!\(ZG:^`?$^BZ?8^&O$_C)/
M#OBWX4ZE:>+O"-AI<=RND7,WBO4_!UB!^!V'Q3^`OB\:[\=+7PC^SOX@O=(\
M>_M/_`7XQCQ=\*_B-X)^%?B7Q/H7A"S^"FJ>)X0-/^(?A._U/[/J_AWX\7TC
MZ]JNES67BSQIX:U[1+6_N]2U+Q%X,`#PM^S]\6/!<7C?PK\,/`7B#X5_\)EX
M?_;Q\!V/BK3/&_AK2/"'AJ\\;_$?3/&_[)_C#3].\.>.+O5?"OP_T/P_J7C"
MQTC3O#F@)?\`AO6_$GB>]70;+_A)]1U;5@-O*P:=^S9JT$'P"T*]^$?Q@UGP
M%I?[0'C#Q=XA\(Z[X]^!WA[1_!7PX\0_!O4/AOJ&F^+?A5\&M=\%?#N'P_JG
MCG5$UB?PQX4TWQRE_H5UXXGU6X-_\0M:\*ZF`=!\*OA7\0-,^)WP6\>:I^S=
M_8][X,_X:A\!6>I^+=:^$$=Y\,_AQXU^-7@WQI\%TTW4?!_BKQ1>6GA_PU\$
MM0^(G@W0O#^@0SIIU_)=Z#LT;PSK;Z_0![!\2_AGXT^-?QEN_#_B*T^('@3X
M4^"OA_/#X2\8Z/!\`O%'A7QUXJ\=P7^A_$S3?$'@OXFV'CN9_(\$WFD:'H^I
M-X*T2YCMM7^*&G7&H3:5XBM(M6`/+_%WA#XP^._V8_!/@OQ7\)?CAJ7C+P1\
M</AJEOI]M\7?`V@_$;Q%\+_AC\4M(\0:7X_\6^-O#GQYT_3];\8:E\)](CM[
M]SKT5P/'\XUC3M.T^VL--UO3`#C_``M^S]\6/!<7C?PK\,/`7B#X5_\`"9>'
M_P!O'P'8^*M,\;^&M(\(>&KSQO\`$?3/&_[)_C#3].\.>.+O5?"OP_T/P_J7
MC"QTC3O#F@)?^&];\2>)[U=!LO\`A)]1U;5@-O*QV$GP$OM5L?%&M^#?V?M/
M^$/AK0/&'[,/Q"\!_!BYM?A'HVJGQ]\$/BYKGCOXH^./"6F?#OQ3K'@K0/&'
MC3X8:EHG@BPUFZ\0:3>W\FA'3M>GTO0;>UOYP-O(\_D^!7Q#\2?%JRU7Q=^S
M5J&E_#3Q'^U?J?Q>U+1O"?Q9\))I47@WQQ^S#I/PP\7S_%WP#8>+/#NCZ_J%
M_P".Y-*OM=M;'_A.6U"-_BII&=2T75;>Y^*@!T'@#P#XK\&^.?A3\6?&/P!T
M_P`&V/PRT_\`:N\,7GBSXB>)O@OI5M\'?A'XD^,/A'X@?"C4/^$A\-^+O$DN
MC>#_``A\![KXD^$](T?1UD@TFZ%]HD@T3PMK,OB``'U_^SQI.JZ1\-KAM6TS
M4-'D\0_%#X\>/-,L=6LKG2]5'AGXD?'3XC_$#PA=:GH]]'%?:%J%WX4\3:-=
MS:5J5O::C8273V>HVMK?6UQ;0`;>5CW"@`H`*`"@`H`*`./\:^&=:\5:5;Z=
MH7Q"\8?#6[AU"*]DUWP59>`;[5;NVCMKN!])N(?B-X'\5::NGRRW$-P[P:?#
M="2P@"7*0M/%<`'E_P#PIOXB_P#1V/[0'_A.?LL__0TT`'_"F_B+_P!'8_M`
M?^$Y^RS_`/0TT`'_``IOXB_]'8_M`?\`A.?LL_\`T--`'`>.K.Q^%W]E_P#"
MR_V_/B!\.O[<^W?V)_PG5_\`L;>$?[8_LS[)_:7]E_V_^SW:?VA]E_M"P\_R
M/,\K[=;^9M\Y-P!GV5UX<U#P;JWQ&T[_`(*'>,+[X>Z!J$>DZ[X[LM;_`&+;
MGP;HNJSR:9%#IFK>)X/V?VTW3=0DEUK1T6WN+F.1FU:S`4FZBW@!>77AS3?!
MND_$;4/^"AWC"P^'NOZA)I.A>.[S6_V+;7P;K6JPR:G%-IFD^)Y_V?UTW4=0
M271=81K>WN9)%;2;T%0;678`%Y=>'--\&Z3\1M0_X*'>,+#X>Z_J$FDZ%X[O
M-;_8MM?!NM:K#)J<4VF:3XGG_9_73=1U!)=%UA&M[>YDD5M)O05!M9=@!S\O
MAWX96_B'QK\1I_VZ=0@\5_#73[3X>_$7QW*W[#D?B'P!I5_XFN(K'P/XU\3O
M^SL+SPKI]QXRM+I(M&U.YM8Y-3MI0D!NHVP`>@:9X=FUGP;)\1M&_;I^*&J_
M#V#3]6U:;QWIC?L?WW@V'2M`DO8M=U.3Q/:_L[/IL>GZ=+IVH)=W#7(CMFL+
M@3,A@?:`<_X*NO#GQ*U6XT+X<_\`!0[QAX^UNTT^75KK1O!6M_L6^*M5MM*@
MN;2SGU.XT_0OV?[JXAT^.[O[&![AXQ&LEY`A8-,@8`]/_P"%-_$7_H[']H#_
M`,)S]EG_`.AIH`/^%-_$7_H[']H#_P`)S]EG_P"AIH`Y#Q)X=F\&:KX8T+Q=
M^W3\4/"FM^-=0.D^#-&\2-^Q_H6J^+=5%SI]F=,\,:?J?[.T%QKVH"[U;2H#
M;V,<\GF:G:)MW7$8<`/$GAV;P9JOAC0O%W[=/Q0\*:WXUU`Z3X,T;Q(W['^A
M:KXMU47.GV9TSPQI^I_L[07&O:@+O5M*@-O8QSR>9J=HFW=<1AP#K_\`A3?Q
M%_Z.Q_:`_P#"<_99_P#H::`,^+X8^,)M5O-"A_;#^.$NMZ;I^F:MJ&C1:1^R
M@^JV&E:U<ZM9Z-J=YIZ_LVFXM=/O[O0-=@MKB6-8YY-%OTB9VLYA&`:'_"F_
MB+_T=C^T!_X3G[+/_P!#30!@>*?`^M^!="OO%/C7]M;XP>#O#&E_9?[2\1^*
M;7]D?P]H6G?;KRWTZS^W:OJW[.5O:6?VC4+NTM8O-E3S)KJ*),O(JL`<_P"'
M+.Q\7ZZ_A;PC^WY\0/%'B:+P_IWBR3PYX<O_`-C;6M=C\*ZQ9Z1J.D^)7TC3
M/V>YKM/#][I_B#0;JWU$Q"VGAUNPEBD9+R%I`#K]3^&/C#1+:.\UC]L/XX:1
M:3:AI.DPW6IZ1^RA86TNJZ_JMEH6A:9'/=?LVQH^H:EK>I:?I]I;JQDN;J_M
M[>%7FG1&`-#_`(4W\1?^CL?V@/\`PG/V6?\`Z&F@`_X4W\1?^CL?V@/_``G/
MV6?_`*&F@#L/!7@#Q7X5U6XU#7?C=\4/B5:3:?+91Z%XUTGX+V&E6ES)<VDZ
M:M;S?#GX0^%=2;4(HK>:W1)]0FM3'?SE[9YE@EMP#U"@`H`X_P`:^&=:\5:5
M;Z=H7Q"\8?#6[AU"*]DUWP59>`;[5;NVCMKN!])N(?B-X'\5::NGRRW$-P[P
M:?#="2P@"7*0M/%<`'E__"F_B+_T=C^T!_X3G[+/_P!#30`?\*;^(O\`T=C^
MT!_X3G[+/_T--`!_PIOXB_\`1V/[0'_A.?LL_P#T--`'B&D^-OAEKVJZ9H6A
M?\%--0UK6]:U"RTG1M&TGQI^PYJ.JZMJNHW,=GI^F:9I]G\")+B_U"ZNYH8(
M;>"-Y)9)41%9F`(!V'V.Q_X3O_A5O_#?GQ`_X6;_`-$Y^W_L;?\`"=_\@?\`
MX2+_`)%'_AGO^U?^1?\`^)G_`,>G_'G_`*5_J/GH`S],NO#FL^,I/ASHW_!0
M[QAJOQ"@U#5M)F\!Z9K?[%M]XRAU70([V77=,D\+VO[/[ZE'J&G1:=J#W=NU
ML)+9;"X,RH('*@&?J7B#P/HW]O\`]K_\%(?$&E?\(GX@A\)^*?[2\4?L2V/_
M``C7BJY_MO[/X:U_[3\`T_L;Q!+_`,(UXCV:==^3<M_8&I;8S]AG\H`Z#['8
M_P#"=_\`"K?^&_/B!_PLW_HG/V_]C;_A._\`D#_\)%_R*/\`PSW_`&K_`,B_
M_P`3/_CT_P"//_2O]1\]`&?XUNO#GPTU6WT+XC?\%#O&'@#6[O3XM6M=&\:Z
MW^Q;X5U6YTJ>YN[.#4[?3]=_9_M;B;3Y+NPOH$N$C,;264Z!BT+A0#O])^&/
MC#7M*TS7="_;#^.&M:)K6GV6K:-K&DZ1^RAJ.E:MI6HVT=YI^IZ9J%G^S;);
MW^GW5I-#/#<02/'+'*CHS*P)`-#_`(4W\1?^CL?V@/\`PG/V6?\`Z&F@#`\+
M?LW:WX%T*Q\+>"OVB_C!X.\,:7]J_LSPYX6\!_LC^'M"T[[=>7&HWOV'2-)_
M9@M[2S^T:A=W=U+Y42>9-=2ROEY&9@#/\%>'9OB5I5QKOPY_;I^*'C[1+34)
M=)NM8\%-^Q_XJTJVU6"VM+R?3+C4-"_9VNK>'4([2_L9WMWD$BQWD#E0LR%@
M`\%>'9OB5I5QKOPY_;I^*'C[1+34)=)NM8\%-^Q_XJTJVU6"VM+R?3+C4-"_
M9VNK>'4([2_L9WMWD$BQWD#E0LR%@#?U;X8^,-`TK4]=UW]L/XX:+HFBZ?>Z
MMK&L:MI'[*&G:5I.E:=;27FH:GJ>H7G[-L=O8:?:VD,T\UQ/(D<4<3N[*JD@
M`T/^%-_$7_H[']H#_P`)S]EG_P"AIH`/^%-_$7_H[']H#_PG/V6?_H::`/,-
M<NO#GA?5?$FA>)?^"AWC#P[K?@S3['5O%^C:YK?[%ND:KX4TK4[G1+/3=3\2
M:??_`+/\5QH6GW=WXE\.007%['!'+)X@TU(V9KZ`2@'?Z3\,?&&O:5IFNZ%^
MV'\<-:T36M/LM6T;6-)TC]E#4=*U;2M1MH[S3]3TS4+/]FV2WO\`3[JTFAGA
MN()'CECE1T9E8$@!9?#'QAJ%SJUGIW[8?QPOKO0-0CTG7;2RTC]E"YN=%U6?
M2M,UV'3-6@@_9M9]-U"31-:T?4%M[A8Y&M=6L[@*8;J)W`-#_A3?Q%_Z.Q_:
M`_\`"<_99_\`H::`#_A3?Q%_Z.Q_:`_\)S]EG_Z&F@#@/&W@>QT>\\)^%OB/
M^VM\0-+U#Q?X@TK_`(0;PYXVM?V-K&\\4>*O#^NZ'J.B?\(GI&N_LY))K?B#
M3?$\OAJZM/[/BFN;:_DTR6'9<-;L0#O_`/A3?Q%_Z.Q_:`_\)S]EG_Z&F@`_
MX4W\1?\`H[']H#_PG/V6?_H::`#_`(4W\1?^CL?V@/\`PG/V6?\`Z&F@`_X4
MW\1?^CL?V@/_``G/V6?_`*&F@`_X4W\1?^CL?V@/_"<_99_^AIH`]PTFRN=-
MTK3-.O-6U#7[NPT^RLKK7=6CTJ'5=:N;6VC@GU;4X="TS3M-BU"\EC:XF33]
M/L+59)G%O;00A(D`-"@`H`*`"@`H`^8/VR/^$5TO]F7]H7Q1KW_"/Z=J%I\`
M/C#X3TGQ%J_]G6EY:_\`"<^%SIT?AK3M7O-DD/\`PD'B>R\)6RZ=#*O]H7]I
MI$0CFN(K95`,_P`:ZMX`\-?%#X3?&S4=3\'Z7\%]1\'_`!,UW5OB8UYHL?@%
MOBAXOT_X+Z'\*?B#KWB2*0Z?:ZA?_"?0?B!X6TCQOJ$T=N++6H?#,&II)XLT
MW3=8`/F_X[^/O"LUK\2?B=X0^(OP_P!#^&7C#X@?L'Z7X0^)&J:GIUS\+/$7
MQE\#_M'7.M_$7Q19K!XCT6V^(7]A_#+2_AU'KNLZ1JT4<NG?#:YT1]:@G\!Z
MC#X<`V\CU#XU:;I7P9^%5[XE^*7Q&\'IXB^)?[5_[+GC7Q7XAF@MOAOX-DU7
MPY\5_@%HLEOX7T/Q%XJUJYTG3].^%OPCBU>_2\\0ZQ)NT?Q#JQEM=.46FE@?
M@<?\8_B-\++SQWX\U_2/%GA]_@W\*/$&C:;^W=IEIXX\.V^C^+/MVCW7ASPA
MH%_X&-M)?^)O$&BZO!X<@\326FIZ#_PD^A>'Y?APUE\2-2TP^#O"`'X'W?IG
MQ"\`ZSX-D^(NC>./!^J_#V#3]6U:;QWIGB71;[P;#I6@27L6NZG)XGM;U]-C
MT_3I=.U!+NX:Y$=LUA<"9D,#[0#\T/V6_&O_``F'A_\`89\-?\+>^#_Q5_X0
MGP_X9U+_`(5]\)],_L[XA?"#[#^S!\0?"O\`;_QAO?\`A:'C#^T_#^G?VY_P
MAM['_P`(UX)W^)O&/AZ?[;:>1_PC^N`;>5@\-?M<^.Y?#GQPT?7_`(P?!_0O
M%ND^'_@CXOT&\\9>*M'T+6/AO_PMCXIZI\-_B%X1\;Z)H/PUU3_A2?B#P9M\
M+6@T#Q5I'Q6_X0;7?&%@WC;Q9XLTB?%N`=!XD^.7QVL/AG\#]4\)>-/L_P#P
ME_\`PN[7H_'/QQL?!W@_4?&6L>&?B%I=C\$OADUG\&OA]\1M!^*7_"7^$M<U
M6XTW1/A=;:+KOQ#TKP?!KO@_7]'\RYM;T#\#V#]M"Q\*^*[K]G'X9ZSXZ\/^
M`_$'COXP>+['P5K>J7>G+K'A_P`5-^SC\=-`\&^.O"^FW>J:?<W?B#PY\3?%
M/P\GTRXL+JUN8-=O_#L=K=6VH7EBY`/#[?XH:5\0OCO^S+\8?'RZ?\--5U3X
MH>'?A?X)\!>,-:MCJ&D:K'^RK\9]<^,#>%M0UJ#2YO[0?XT?&;P/\(/$NG6&
MF0R?\)1\$-"L-4D.K-9Z-H(&QS_QA_:]^(?P^\0_M$:"_P`8_A?X&U*V^%_Q
M^USX;Z-XXN?"2^,O"/C+X1>)O"FC>!="LOA5<VFE7VBZA\0/"FMZWK'AZZ\1
M^+_B(OBY8-&\6Z7H>@:,+SP7>`;&A=_$WPUX,^/OQ"EB^/\`\/\`1M/\:_!_
M]F+7OC3\>_`7_"IX?$6GWFO>-/C9:^#-=TWPMJUKK6BV'P_E@\??!CPXWBS7
MHO'=_H7A77?`<6I_;[?Q#-\0?"0`?%/X@_&3QYX$_;E\+^)_&'A_1/#^A_!_
M]IG;X.T"Y@U+QWX+T[P#K&HZ/\-_[;\/7GP=CMOAMX?^)GPRM-2U2Y_X2OQG
MXJU7Q59ZU'K_`,/_`/A&]/TZ^73`-C[_`'T;PK\;/@=J_A!O%GB#Q1X/^(GP
M_P#$?@"\\>I;:=I.N^*-'UC2=1\'ZGXUTB6+PU9:+<_VK`]SJNG:QI>BC0M1
MAO;34M(AGT>\M#,`>`?"?Q/\1]6\$_'']HCQ1X;^R?$V/X?Z-\/+3PSX+\/R
M^,K.[UWX`>$/$=[XUTK0_`]OXOM]2\4>(-/_`&FO&OQW\'Q6,?BG38=:L/!O
MAX:9>K!=IXAUL#8^;Y_C[X2\:?![4T^+WQ6^!_BS6_@M^V?^RQ;>&?'%I\2O
MAWXRC&E7_CGX+>.Y/%L7C31_!/@/2)]0M_#NI_&C2I-4T;P=X9CAT;P3XDL;
M@7K:)KFJZ@!M\CV#0?CIXFT+QE\`_AYXD^*?C#Q%XX7]H_XZ_"KXH>%8_`?A
M[5M:U/P#)'\=;OX'>(OB=9>!OAK&_P`/-0O=$\(?#77]'O[0>$K+6-`NO$?B
M&2WO]#TN_P!0T0`]`_8[^)WQ<^)>E>*M0^*>M>#]1NUT_P`%:M<:%X;OK[5=
M5^&GCG7[;7I_'WPG\3S0?##PGIO@_4/#,MGH%N/`.HZAXT\8>')+J[/BGQ#?
MPZQH<K@'V?0`4`%`!0`4`%`!0!\@>$/^%63?M3_%?X6Z?_PK^7_A$?@!^RK_
M`&;\.;/_`(1U_P#A&/\`A7?Q%^._B+1?L/A&'/\`8O\`PC/_``D/PTU.U\JT
MA_LS^W/#%U%Y'VW3WD`/'_\`A+/"O_#(_P#PSS_PDOA__AK#_A3_`/8'_"K/
M[9T[_A<G_#3_`/8G]K?\)O\`V+]I_MC_`(2#_A<G_%?_`/"S,?V?Y?\`Q</^
MW?['_P"*@H`Z#P1I/_"XOC5^T]X?TGXI_#^?P%X2_:?^$/C'Q;X-T'1?[:^(
MX\5?#+X8_L\ZYH,H\:6WQ`.G>&?#[_$;X52:'?Z?>>"K^YE?P=XLTZ'4+2_!
MET(`S[SXR_L\Z"?VUV^)7C7P??Z)!^T?X'T:31;'QMH&E>(7\9/\!O@-H?A2
MRT/5F\2:4?!_C"T^(7@#Q(MEX@FU?0E\.ZG\/=8U:XU;1U\(:CJ.D`'H'[//
MCKP]X>\9>+?A'\7/B%X/U+]K674(I_%D4WC3PSK/B'QAX-EC\2>*/A=IOA<Z
M;H?A@7&G^&OA[+=1W^AV'@WP<UOJ:>(?%<OARVM/'5MKWBH`Y_\`:)^)>E>"
M?VDO@Q##\</@?\&];MO@?\>9-0U#XS0VVL:5_97B#QY^STNC62:,OQ4\"W%E
MJ&K7?A779;"\EU.:.:/PAKL45I.UM--IX!X?X]^-GCOX*_L\>'/&'@OQ'X?\
M.>?X@_:M^+$WB#Q5>:/X:^'OQ:UC3/BUXI\7Z!I_A7Q)K7AWQ)]M\/\`Q1_X
M235/%/A#X;Z,MOKOB#PS*'TOXIV?_")W.J>-0/P/<-)^..M>,?VK=,\'^%_B
MQI_B'P/%J%D]KX.^%Q\`^+=*F\#7_P`!(_B!!XK^+]OKNBV7C#POI^I^*/&/
MA2Y\._$3P%K_`(I\'ZE&-(\+ZI8:-KE\]WK(&QT'['?Q.^+GQ+TKQ5J'Q3UK
MP?J-VNG^"M6N-"\-WU]JNJ_#3QSK]MKT_C[X3^)YH/AAX3TWP?J'AF6ST"W'
M@'4=0\:>,/#DEU=GQ3XAOX=8T.5P#Y/\`^+/^))\4;7X.>)?[8M?VI/B!^T'
M\.+'Q9\,]9\^#X<?%.7]KCQKHUK\3K2Y\+7,J>(_B!=_L^?'72_B/&([K1M1
M?P;^RQ:W:Z@^B11ZGX4`/0/"'Q-T?PO^RU&/@=X]^'_@_P`,0?M/_M">#CXR
MT+7O`F@?#CX<>%9_C/\`&GQKX8BU7Q]J'A?QEX6^$?A_4M";P/:Z3J%_X&\6
M6U^GC7PWHMAI]B_C#3?$>@`'B'C?]HN/]H'X+_'QO&WQN^!][X-C_80^'_Q5
MG^$WA_3/!LDEC\:/%_A3XC:-JGAW4M:\1^*=>U"+4/#WQ8/@*[BL+>WT_5K+
M6=2^&-G!<65S#J?_``L,`]_\6?M">-[KPEJ.I^%_C1X/T_Q)>_%#PIX?^*$=
MSXO^&GAGX7_L[^`=<^'GC?XA?#SQ?X2^+-W\*O'5O)X/^(=I;_#2UL/'/C;1
M?$]EXDN/%)L-,T7P)KVI2Z)X-`V/0/A%XBU5?VH]3N/'_C;4&\=_$G]E#]FG
M5I?AUI/A:YTOPS:ZK%J?QWO?%NIZ9HVN>!;/QWX2\'Z%K&FW@AN/&M[9R6FH
M_%=-&UMGU+4?"^EZ6`:'[2?A;7;CQL/#^B6/VS2/VK_A_I?[-?C6YENK.*\T
MRST+Q?>Z]=GP>TMQ"FF>((_V?/B)^UEXH-[JD&J6#W_PQ\+6L<!N[B/2/%H!
MG_M,_M!>)O@U\5_ARA\:^#_!G@1=0^%4?B"Q\?:SX>\&Z5XPTKXB?%5?`7CF
M\\/7>M:#J5]\1M0\$>%&B\0ZA9:+KGPZC\'1WVDZWKUWXQTWQ!'HFB`?@>?^
M'?B1X2\`?&OXLZEX3^)7@_PC\-])_;/U:V^/>G:;=_#NU\$:7I7C']CCPPZ>
M+?B-K%QIKW7@?4)OVC_`DFAQZH-6T6/4?$NJ:YI6HC4=4F6&U`./N/VD/CC<
M?#_P#)X0\:^5<Q_$#]J/0+SQ]\;O">K?"R\\;>)?A;\7[;P_\$OA?/X=L/V?
M-0F\=>(/$_@G6;Q;SP)X"\*^&/%FMW_@76=.T;7-$UOPWKFGS`'V?^U!XW\3
M>!O`.D7?ACQ7I_@"76/&&GZ)JOCS7-1\/>%O#/A'2CHOB#6/MWB3XB^+O"7B
M_0OAII]]JNCZ7HD&L:IX(\81WNHZ_IOAV"QL+[Q-:^(/#@!^8/B[Q?H?[37@
M']I7QI+\=M/NM;UC_@GA\&OB=XN^%/@IO@EXB\,V_BWPKHOQS\2>)?!=QI/B
M;P/XD\2Z+I_A#QQ=:%J3M%K=OXBT74?B#`TNL0L?#Z:2`?9^M?&KXCS_`!?^
M#?AWX?\`C[P_J7PVU'P_\-'T[7_&WFZ1KO[04NL?$#Q;X-^*NK^$_"_ASX*W
MTWQ2_L3P3X9T7Q=::OX$U+X>>&]$A\;:9XNUJXUCP)JUHEB`>H?LB_$#Q-\4
MO!'BWQIXE^,?@_XM21?%#XH>"K!OA]HOA[1/"6AZ5X*^)?C.QT"XACTO6M<O
MI]0UKPI=^'-2MWO=;N(SX=D\(M'%<WSZGXC\7@;'U?0`4`%`!0`4`%`!0`4`
M%`!0`4`9]EJVE:A<ZM9Z=J>GWMWH&H1Z3KMI97EM<W.BZK/I6F:[#IFK002,
M^FZA)HFM:/J"V]PL<C6NK6=P%,-U$[@&A0!Q_@KXA>`?B5I5QKOPY\<>#_'V
MB6FH2Z3=:QX*\2Z+XJTJVU6"VM+R?3+C4-"O;JWAU".TO[&=[=Y!(L=Y`Y4+
M,A8`["@`H`*`.?L?%GA74[RWT[3/$OA_4-0NO^$I^R6%CK.G7=Y<_P#"#Z[:
M^%O&OV>UM[EY)O\`A'_$][9Z1JFQ3_9]_=PV=WY-Q*D;`'04`%`!0`4`%`!0
M`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`<_K7BSPKX9\[_A(
MO$OA_P`/_9O#^O\`BRX_MK6=.TK[/X5\*?V;_P`)3XEF^W7,7E>']'_MG2/[
M0U%L6UG_`&K9_:)(_M,6\`Z"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`/S@@UC4?A1\=OC#H_A+QCX?\`"VK>-/VG_A/K_AG]
MGRP\/>%;#6/BQX5^)?@[]GSPI\;OB_/IUQ%)XD\3>']%MH/B/XABUCPBFA6U
MAKO@#QEJ'BF_\0VD-YIVC@;>5CR_XS?%?XH>(OAW^W#H?C_XA>#_``=X4TGX
M7_M!Z3;^&++5M/D\9>$)-`\6R>"O@UIFK:+JWPAM[/X=:?\`%WP;,TBV_BKQ
MKXJUGQDOBFSU?X<KX>M;2ZBTX#8]0^(7Q"U;X9_\))+X4^.7FZA/\']!^,/P
M;U:;2_@<FH_MN?%_7_\`A.[.U\#ZE)HOP[L8_BG]D\,^!_@7X;LK/X6Q>'/$
M!TKQSI44VI7%QJ>@W-D`&L?&WXL2?\-@7_A;XR_#_P`4S_"'XP>"_AQX>\,Z
M%IWAKP_IWPR\$^-_^%,P^,?'_P`0?%,L?C:[TO\`X073[WXFC_A(=4T>YTC2
MM5\'?$#5-?T36M,TZS\,>"P-OD?1_@?QWX^?]FB]\?ZM=:?XU\<:5X/^(6K:
M/J'@#P_K7CZV\91^&[OQ,O@C4_#VC2:5\.7^*&H:UHFFZ%<BXT&S\':-XHNK
M]KSPRVG:'J^F31`'RAX%_::\1>(O!VJ>']?^/?P_LK+PG^T!8^`/B!\>O`OC
MSX6>//\`A"OA9KOP)O/BCX4\:ZIX\O?A?X<^']I_:_Q@@A^&\&L:E\-]+TY]
M]QX?MH;KQ-;C79P#R_X8^-?BYI7PEUSP9\&M=U#PNNB_"_\`X*&^*?!_A;P1
M^S[?>!-5F^+GPI_:>\/:WX0A\*>"_BAHVO/_`,(??Z)\1+?PS;>"[#2II]'D
MO=>T>ZU.Z\0Z=`OA,#;R/</&O[4N/$O[0?\`PKGXV>'[OP?:?#_]F_6O`_CC
MQ/I_V/X*^"]1\>?%CQ9\*/B'-X;^-OAKX3^(-%D^TP0^'/[/U7Q%_P`)QI6G
M>)[37_MEM-H_A#Q1I6A@''Z1\1KZS\<_L[?%'QG\=/&&A-KOP/\`VPK#PQJ'
MQ9\%?"./3]4CM_C#\*U\*ZYXGT;X21&S\5>#[?P;=Z'XJU'Q-X-\7Z-HVH^%
M_A'8^,8K_P`/>'KOQ-->@?@<?\-_VI_B9::3X&\=>-?VDOA_XCT:]^#_`.QG
M\2_%.AWGA[X>^'M)3_A;GQQUWX"?&>[75],OH;O2/#_@S3S:7WB266XE^R^.
M+?39TN/#?AS[7X(U4#;RL=AXY_:(^//A_1?VN]=N/B/\+_`S?#OP?\:KOPQH
MNLJ?$7B'X>ZKX+\?1>%O@I+>^$9/`7A^S\!:A\3?!I?4='B\<>//'$GBS4]>
MT+7?"6B+X>T_6/#LP&QG_&7XKP:K:^*?AUJW[5'A_5+;PKX@_85^.UQXY\,W
M'P:TO^R=.^(7[1VFV7BE=+L[[1M:L-,^#_A328OA5XZT6?6GUS5;3_A)]$D\
M1^*/$.B:U%:WX&WR/U/TG4[;6M*TS6+./4(;35M/LM3M8=6TG5=`U6*VO[:.
MZ@CU/0M=LK/4M%U!8I56:PU"TM;JVD#PW$,4T;HH!H4`%`!0`4`%`!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0!\(>+/V@O$W@_]KGP=\.]8\:^#]$\#^*O&%E\
M-8?!?BS6?#WA?Q#>QZQ\(=9\>Z%X\\'>%KK09M;\7Z?J'Q(L=/\``\'C=?&>
MGZ-)J=QJ/@V'P+-KFFIXJU``^0/$?QB\96^JGXN:'\0]/N/CP_["'[1&O^(Y
MV^"T>NR?!#XE^&;GX)_$KQ9\#M>\2>&=/L--T[3_``A+9>);#2/#7Q"FU'7/
M!VL^(X9?%=WXBD\=:-HVH`;>1]/_`!.^.GB;X7ZKX_\`#^M_%/Q@GB31OVK_
M`((77@GPKI_@/P]XH\6^(?V=/']S\#=-\9:</"GA7X:WNK:E\+[;Q%XT^)WA
MS2_%EI90ZI-XBT#1_#B>(K_7I5T[5P-OD>/_`!7^)_C?XE^&?VV?"Y^+>H7^
MB>%_@?\`M60WN@?#:P^&FN^`?",?@+Q##X9\+>&?&%_X@\'6?Q!^&/Q0U70?
M#?C73M6T37K;Q%HWB>RUG6_$7@/Q/8+HL-KH0!H>/_VEO%]OXQ\96?@+]K7X
M?P>#_A_X?_9!U6PN_$7@?P2VHZA9^//CM/\`"?XF>-OB5>7>I:/'K/P_N_#.
MIZ/XOOM3\*Z?X(L+S2O&GPZU/PQJVB:/=R:CX^`.@\8_M&_&3_A'/!^G^"/'
M?P_@U;PY\0/VF?A[XI\5^+-1@TO_`(2'XA?`WXIZ=X)^$7PS\2Z5X4^%GC.;
MQ'\0/B'X)O9_$][\.?!.@^#_`!-XF^QS7/@O4/#UI`+&\`-#6/VE=:\+^,OC
M5XA\1?M+_"\^&OA9^U?\)?A#I7@"UM/`/AW14\&_$R/X4Z;XO@\>ZSJNMZIK
MMWJ'A32M1^*=_:76F:EX;:WU_P"%_CB]U@7^@V/_``B_A$#;Y'N'[&NH6</@
MOXD^$?\`A.O$'CS7?"G[0'[1*>(KS6M-T*'^Q+R_^/OQ0B@TB;4_"'A'1-%/
MB#4(--_X2W4-(_>W]C_PGEG=?9].T#6O#EH@!]?T`%`!0`4`%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0!Y_;_#VS3XCW/Q,U'7O$&M:M#X
M?OO"WA72=1.A6^A>!-"UZ7PM>>+['PY%HNA6%_J/_"0ZOX)\*:C>3>)-0U^:
MVFT=8])DTVTNKNVN@#T"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`"@`H`*`"@#S_`.)?P]L_BCX5N_!6L:]X@T?PQK?GZ?XQTS0#H47_
M``FWA#4M.O\`2?$/@36[S6-"U&[TSP_K&GZA+%<WGAZ?1-;A\J-]/U>Q<,S@
M'H%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4
M`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`?_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>a39-2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 a39-2.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`%$!V`,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@#S_P`=?$*S\$_V7I]KH/B#
MQMXP\0?;G\-^`/!PT)O%6N6>D?9'\0:O%)XGUW1=%T;P_I$%_8F\U?6]8TJP
M2YU32=,CN)=8U[1].U0`\_N_VBO"NBZ=8-XH\*_$#PIXIN/B!\-/AUJ7P^U+
M0].U3Q5X9U'XN>*H/"O@7Q'K][X1UO6/#=O\/]0N9;B1/%-KX@N]*:YTK4M`
MBN9/%>GW'A^(#;RL>@>*OB1H7@_Q?\,/!6IV?B";5OBSX@\0>'/#=UIVB7EU
MH5A>>&O!/B+QYJ#^(_$!5+#1_-TCPU>Q6=H\[W]],[/:6<UII^J76E@'E_C7
M]H>^\&>-[?P/#\!/CAXIDU/QA%X#\->(]"B^$>D^&?%WB9OAI=_%B[M?#5SX
M\^+GAR^O=/L_"FEZZD^JR:?!IW]H^'M2TR*ZEOK?R7`.@N?C=&=*\)2>'_AA
M\4/%?C+Q1X/T'QY??"W3;'P;H/C[P'X9\0VS-:77Q&B\>^-O#VA>$=0_M6.[
MTB/2KG76U&^O=&UP:5:W]MX:UNYT@`S_`!+^T)H_AWP);>-;;P'\0/$=['\0
M/"?PM\2^`-&7P)8^._`OCOQGK&C>'-&T+Q99>+/'>BZ5!YGB#Q-X3MX[W3M8
MU*SO;/Q;HVOZ9<7WAF_CUL@&?%^TAI[ZUX*\,M\+?BA;^)/%7Q0N_A#KNARO
M\+S<_#7QE;^`;?XMPP>-;V#XFR:??:?=?">:3Q9%=>$+WQ4HM;26PG$.O-%I
M$P`:[^TAI_AJV^,TFJ_"WXH6]]\&M0\*64F@A_A?_P`)#\2[;QQJKZ3X4U;X
M4Z.WQ-6?Q'I^L7:FVTQ+Y=)NM7U..[\.:1;7_BG2]1T.P`V\CL/%GQ;E\#?!
MKQ+\8_%/PU^(&EP>#_#^L^*?$?@#[1\.+WQWIVA>'Y[E]7OO,T[XAS^%KO[/
MH5I<:YY-KXGFFDLX_)BC?4V73B`'@[XMR^(?%47@KQ/\-?B!\*O$VH>']8\4
M^'-,\=7'PXU+_A)]"\-:CX>TGQ5?:7>?##XA^+[2R_L?4/&'A"*>'6)]+FN/
M^$DMWT^.]2TU!M.`V\CV"@`H`\/\:?'?P]X`^+GPU^$GB#PSXPAD^*.GZQ>:
M%X_@A\,GX=Z5<Z+?:9H\VD^*-1G\41:MH6H7?B+Q-X&T*P>716M=1U?XA>'M
M+LKF>^O)8+4#;R"3X[^'O^%\V7[/NF^&?&&M>(G\'ZGXRUCQ=I4/AEO`/A6V
MT@Z3_:&@>(-5O/%%OJ2^,((O%7@"YET33](U"ZALOB5X7U&=(M.U(W<`![A0
M!Y_X'^)&A>/]1^(^F:)9^(+.?X7_`!`N?AOK[:_HEYH'VS7;3PKX3\6S7FBV
MVHK'=WOA]]/\8::EMJ4EO;PW_DR7>GFZTRXLK^_`.@\2^*="\':=;:MXBOO[
M-T^[\0>$_"UO/]EO+OS-=\<^*M&\%>%K'RK&WFD3[;XG\0:19^<R+#!]K\ZY
MDAMXI98P#C_BW\3H_A)X9T[Q-+X+\8>.(M1\8>#O!4>D^"I/!L>JP:KX]\0V
M/A#PS<7'_";^,/#=B-/N?%>L:%I;O%>R20R:U!/+$EC!>75D`'@+XG1^._$W
MQ3\,1^"_&'AB3X3^,+7P5JFJ^))/!K:5XBU6\\/:3XO@N/#`\->,-8OFT]O"
MGB3PIJA?5[+2)!'XGM(#$+ZUU*UTP`T/%7Q(T+P?XO\`AAX*U.S\03:M\6?$
M'B#PYX;NM.T2\NM"L+SPUX)\1>/-0?Q'X@*I8:/YND>&KV*SM'G>_OIG9[2S
MFM-/U2ZTL`]`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@#P_P"(^A>)M*\?>!?C
M!X8\-:AX\E\&>#_B-X!U7P%H5]X>TCQ-J6E?$O6OACK?_"0^&K_Q=K>D:%=Z
MAI.J_##2X)])U35=%CGT[Q!J5]!J+7VBVNC>(@#P#XF>$_BKXG77/BG8?"#Q
MA)K?BKQA^R-I5I\*H/$'PH/C+0_!O[-_QYUKXT>(/%_BC6+WXD6GA.WU#65U
MW7])L-#T7Q#KS*MIX>O+J]A;6]5LO!X&QS\/P:^*&G?&WX:>*]/^$NGW^L>&
M?VC_`(J>-?B/\9=3^(^GZ%;>,_A?\0-#^..F_#JWCT?2QJFL>/\`4/AYX$\=
M:!X5M$\6Z3I5QH-UI]OX?\*2R>$_$&M^(-%`/H_XQ:?XOO?B!^S3>>&_`GB#
MQ5I'A/XP:OXI\9:QI&I>";"S\)Z%??"#XG?#.&^U&V\4>+M(O]2_XF_Q+T^_
M:'1;+59A8:!J[",W8L+/50`\4:?XO\!_%/7OBMX<\">(/BEI_C?X?^`OA[JO
MACP=J7@G1_%7AJ\^'7B+XF^)-)UZ(?$/Q=X;T76_#^JP?$[5[2\*ZU9W^FW.
M@:3]GL-7M]<O;CPP`>(?$[X9_$/5_A?X_O(OAUXPUWQ%\:_VC_@A\6-8^'O@
MKQEX2\.^+?A]X-^'FH?`VWU&TN/'EY\0O#%G'XPD\&_`X3O<>%]<9M.\1>+X
M-/TO4;_3M(/BJX`/0/%OPSN?!7BO]G&U^&GPZ\8>)]$T'XX:YX_^(_BJ7QEI
M7B#6K&VU/X+_`!#^$D'B'QKXG^*WQ"3Q9XWU"%O'?AN.)H9/$%U;:!X(EL;=
M8UTW1=+O0#C_`(EZ+\7?&'CN[^*]A\&_$$?B#]F;Q!/-^SWX7FNO@G)_PO#_
M`(3+1[_P9\1=2U+QE<>/#JO@/P_>>'[^ZALM-EN/#O\`9OV/2O%&J:?XWU!;
M;P3X6`/3_C<GC?XE?LN?%[1]"^%WC"T\=^/OA?X_\%:-\-]6U?X:0>)K;5?%
M6F:MX/T^XU/5[/X@77A.'3XUOX=9F>#Q+<2+IRNJ12:D!IS`'D'A_P"&/CZ\
MU7Q?JO@GP!\4/AO*WP/^*O@K3S^TE\;]:^(NJZGX^\97/@NY\!W'A#QGX-^.
M7Q$\6?#;P?8-X9\0?\)._AO7_!U[>R:AX5N[>+5K[P_8W7A@#\#P_3O@U\5K
M/X8^(_ARWP1^,&H>"[']H#2/&W@WP9XD?]B^;0;OP)/\%7LYM#\7_!;POXMT
MCX:^)_A_:_&_1KG5-4\':7/X!O)IO&&E>+M(UQ?%6GW]W;@;>1Z@?V</B'9^
M/OV<;Z>TU"UTKX7_``O^`OA+2K3X7^)_"5GX!^&GB'X:ZUJ][\75;Q!\6?#G
MB#XF:7X/\6>$9_#'ANRA\#7"ZGXQLO#LN@?$"_T[27M=5MP#T#]HKX=?$/XB
M_$OPU;^#_!FH>5I/P/\`BW9^&/BC?:QX2M/!O@CXVWOC?X+_`!.^"FK:YI4G
MB-_$VI:?HGCCX%:;?7J6OA/7+&5M4T>WN+;4;&?6(M.`,_X=>!OB9HWQ]\(^
M/O$?PV\0#_A,O#_[1^L_$'QE%KGP]?3O#6H_$SQI\'V^#OA/Q#I%KXV%X_B#
MPW\$O@)X*\(ZQ-X5T?5M*?54T^YAU/6?MFL:Y$!M\CY/D^`GQRTZQ\4>$[_X
M-?'#7]-UKQA^S#X\U2?P'\5O@YX$\,S_`!&^&?Q<USQ'\>/$_AC5-$^-7A#Q
MEXIT_P`2>"Y]$'A_Q7\2GUCQ_J>HZ'H.H^+=6@UGPWI6IZ8`?0'A;X3>*]$^
M.7BO6[W]GK4-5^$Z_'#P>O@#PGJ4_P`%XO"7PZT70/@Y\-O`'A[]H'X<^';#
MX@%+#4/#VM_!Z+3I-.U721K^G^'?&6AW?@U=(O(/&7A_Q2`>7Z+^RAXTT_X*
MZ_H7C?X<>(/BYXFM?B!^S'XG\0>'/&&I?`+4[/XB^,?AK\3M.U'XZ_$;P%I%
MIHWAW3+C_A,O`6H^(+%_&/Q.\2'QWXOL';2?%EOIZ:=;-KH&Q^A_C_P5JOQ1
M^$?B'P5K%QI_@WQ7XI\'O;0ZQHLMSXJMOA[X^-C'>:%XM\*ZA=6GA^\U34/"
M?C*'3]:T?5%@T"]%UH5C>PC3;I$-L`>?^$/`?CZT^`WC:U>UT_1_C1\4M/\`
MB7XXU.VUSQ!K5K'H'C[XD#5]1\->#?$GQ!^'NJQ:[J>G^`]*O/"O@*#Q/X>O
M[2]&C>`--ET0:;';6%I8`'R!\.OA-\3M'U/P9\/]9_9Z^*&I?"#2OVC]8\91
M6_CF?]D2U\/:'\(_&W[+GB/X,>)-`O\`X>_"GX@:?X<LM//Q+\:^)]=O]$\.
M>%/(OM,U/4M1E34=?U.[M]0`-#2/@;^T%'9_#[PUX:^'?A_X>^(/`?[$'Q5_
M92O?C?>_$+3-&UVZ\;1:%\+[?X>^+?"H\#Z7K.O3?#^/Q;X9OM2\/SZE<Z)J
M]G#K/BN^OM&T+4++3+'QJ!MY6/J_]E_X<7WPP\`ZOHD^C^,/#.FZCXPU#6_#
M_A7QK=_"./5?#6E3:+X?TVXL;?PI\!?#6D_#[P#I]UKVEZUJR:/X9EU>.YDU
MJ?7=0ODUGQ#J6G:4!^!R'[7'PTU'XE:/X0L/#_P7_P"%F>(--_X3V=?$7_"1
M>%?"O_".^%;WP)J^G>-_AI_:^K:W9ZK#_P`+C\/W$WPS^U:;;7-MH7_"5?\`
M"87,MMJ'@S1EN@#Z?\)VMG9>%?#5EIWA;_A!M/M/#^C6MCX*^SZ%:?\`"'V=
MOIUM%:^%OLGA:^O=%M?[*@1+#RM(O+NP3[)MLYYK=8Y'`.@H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`X
M^R\:Z5J/C+5O!6DV^H:G=^&]/CN?%6L645LWA[POJM]'IEYHOA+5M0ENXW?Q
MAJ6B:E_;2Z78P7DECIBV=[JYTV'Q%X=/B``S_AO\2_"OQ4T*\\1>$;O[3I]E
MX@UO0)-\^G32O_9=XW]DZW#_`&9?W<;>'_$WAF?0?%V@7AD7^T_#?C#P_J\2
M+;ZK#D`S]?\`BKI6B>/H?AC;>'?&&O\`C*\^%_C+XJZ79:3I%M::5JVE>#-:
M\+^'[CP[IGBGQ+J.DZ%<>,+[5?%NF1PV!U)([.-DN=:N-*MK_39M2`/4*`.?
M\6>*="\#>%?$OC7Q3??V7X8\'^']9\4^(]3^RWE[_9VA>'].N=6U>^^Q:=;S
MW=W]GT^TN)?)M8)II/+V11N[*I`.@H`\_P#%7Q(T+P?XO^&'@K4[/Q!-JWQ9
M\0>(/#GANZT[1+RZT*PO/#7@GQ%X\U!_$?B`JEAH_FZ1X:O8K.T>=[^^F=GM
M+.:TT_5+K2P#CXOCOX>7X\WG[/NH^&?&&A^(H_!^F>,M'\7:K#X93P#XIMM7
M.K?V?H'A_5;/Q1<:D?&$\7A7X@7,6B:AI&GW4UE\-?%&HP)+IVFB[G`#P5\=
M_#WCWXN?$KX2>'O#/C"23X6Z?H]YKGC^:'PRGP[U2YUJ^U/1X=)\+ZC!XHEU
M;7-0M/$7AKQSH5^\6BK:Z=J_P]\0Z7>W,%]:1070![A0!Y_\,?B1H7Q8\(0^
M-?#5GX@T_2)_$'C;PY%:^*=$O/#6NQWG@3QMXA\":L]]X?U-4O\`1O-U?PU?
M2Q6FI06=_%#+$E]9V=V)K6W`.@UGQ3H7A[4?">DZO??8]0\<>(+GPMX6M_LM
MY/\`VGKMIX5\3>-;BQ\VUMY([+;X9\'^([SSKM[>$_V=Y*R&XN((I@#S_P`5
M_%N7PO\`$?0OAE:?#7X@>+-6\1?#_P`;?$+2=6\.7'PXM]"FL_`4NE66M:"\
MGBKXAZ+?P>()=7\3^"M/MP^GK8/-XTL))+^*TLM8N=%`V\CH/A5\0K/XL?#C
MP7\3-,T'Q!X:TCQUX?L/%.B:3XI&A+KJ:%K,0O=#OKZ+PUKNL6%O_:&DRV>H
M10IJ$LT4-_%'=QVUVD]M;@;>5@T7XD:%KOQ'\>?"^RL_$$/B#X=^'_`7B/7+
MS4=$O-,T*\L_B)+XPCT1/#FIWRQ?\)'Y'_"%ZF+R[L(IK"&:9;);R74++4K3
M2P#T"@`H`*`"@#S_`,'_`!+\*^.-=\>^'=`N_-U#X>>((M`U;=/ITD6H^99I
MYFMZ)]BOYY+OP_!XGM/%OA&:\FBMO+\2?#?QAI!3[1X?N<`!XJ^)&A>#_%_P
MP\%:G9^()M6^+/B#Q!X<\-W6G:)>76A6%YX:\$^(O'FH/XC\0%4L-'\W2/#5
M[%9VCSO?WTSL]I9S6FGZI=:6`=AI-Y<ZCI6F:A>:3J&@7=_I]E>76A:M)I4V
MJZ+<W5M'//I.IS:%J>HZ;+J%G*[6\SZ?J%_:M)"YM[F>$I*X!H4`<_X3\4Z%
MXX\*^&O&OA:^_M3PQXP\/Z-XI\.:G]EO++^T="\0:=;:MI%]]BU&WM[NT\_3
M[NWE\FZ@AFC\S9+&CJR@`Z"@`H`Y_1O%.A:_J/BS2='OOM6H>!O$%MX6\4V_
MV6\M_P"R]=O/"OAKQK;V/FW-O''>[_#/C#PY>>=://"/[1\EI!<03Q0@'@'A
MG]IV#6M.N?$NM?!?XP>`OA_I7B#Q9X9\3?$;Q9/\&[CPKX/U'P/XJUGP/XHN
M?$MMX+^,&OZ]8>']-\6Z#J5E>Z['HD^E6%M;3:UJ%[:^'[6ZU:V`/I^@#G_"
M?BG0O''A7PUXU\+7W]J>&/&'A_1O%/AS4_LMY9?VCH7B#3K;5M(OOL6HV]O=
MVGGZ?=V\ODW4$,T?F;)8T=64`!XL\4Z%X&\*^)?&OBF^_LOPQX/\/ZSXI\1Z
MG]EO+W^SM"\/Z=<ZMJ]]]BTZWGN[O[/I]I<2^3:P332>7LBC=V52`=!0`4`%
M`!0!\@?&;Q'XV\#?'WX?^*?!T?B#Q+I]K\`/CQXC\<_#"RU'Q?J?_"<:%\/O
M&GP)DM$^'_@^QU<Z+;_&"T@\<^(9-*NWT:>;7-Z^&+R\T^WU.UUKPR!MY'E_
MPZ^-5C\*?@#I/BCPQ+XP^-5W\3?VC_COX*^'5WJ?CGXN?%RVU32O#OQ&^,G_
M``BUQ'XDT;1OB?XN;P?:_"3X31K:/X:\.:_'<726]]>100ZIJ^O6P!V'C#]K
M;Q5X=O+>PLOA3X?T[4/$'_#*DO@KP_\`$_XG:C\-?%^J?\-1Z[XU\(6GA[Q%
MX;B^&&OR>'OB!X2\3>"M3EU7P]83:]G1++5=46\CN-)DTN8`]O\`!NOZK\>_
MA'K^IW4.H?#OP[\2=/\`%%G\-_%/@;QE<R>,KSX7^([&:T\"_%BPO;GPOI[_
M``^\8:OHEY!XBL-)DAU.XT=;G31?3#45O-/T\`^4)]`G^%UC^U]\6?#GC?XP
M7^K_`+,OB#QEK/@+PSXR^./QD\=^!-7T[3_V-OA_XTB\)^-_"_C#QWJ,/B'P
M^?&WCK5]?$RO::K%>6U@MOJ<-I:"U8#;RL>X>-?"$GP2L?#?Q$\->-OBAKWB
MB]^*'P:\%>*CX\^)7C+Q=X9\7Z5\6?BYX)^&WBNXNOA_J6K_`/")^#=01?%T
MNOZ>_@;0_"<>G:CH]C96D4?AN;4=`U0#;Y'C^C:'X^OOC]\9K7P5;_'">[\,
M_M'_``]>R\>:S\;M:U3X)>$?`.H_#GX$?$7XL>`+WX7>(_BY=/>:AJ^B>)OB
M/;:.MG\.=3LM+OO'.A?V?J.C0Z-%=>&@/P.@\&_#RQ\2_LW^.[36/B]\4/!2
M^&_CA^T1K</Q(UGXX?%QKGPYI7PH^-_Q'\'Z%8^*O%5U\2]/UBX^%]MX$\(:
M?IVL:.OB/2(YK5;[4X;[3?$,B>(+4`[#]GVTG^*FN^(/C[XKO_B!X8\8-X@O
MO"C?!5?B7\9+7P3\./\`A%K.]\/6U[K?PR\6S^'8[CQ!XS\,ZCHWC2%?$'@/
MPQY6D>(/!][!X?M=86_\0^*`-O*QY_\`$C2;R]_::^(NF+X/_:?^)&D?\*?^
M"?BF/1/@Y^T;KOPST+PGKNM>*/CCX;U:^FT/4OVCOAW80?VUI/@;PPBPZ/;W
ML(F\/7MW<1VUWJ<T^J@'0:%^U%>>&-"_9HTGQ+;?\++N?B/\/_@/=>-_B?X6
MMM=BLY]=^-%YI/@CPEXIL?#6F^`8H?#'A_6O&T]S>RR^/W^%T+V$LL/A:#Q)
MK>E:KX=T4`Z"X_:M_LCQ5\8;/Q)X"_L+PE\(?A_\7/B!?)=^*?[-^,FK:/\`
M"+4=*TZYUJP^#/BGP[HG]I_#_P`5^;X@N?#/C?P_XF\0:%=QZ)%:ZI=Z/J]Y
M)IE@`>G_``J\=ZA\;?`/B(^*_`_C#X<7?]H:OX-U6S=?BAX)DU"VNM%TZ]&O
M^`/$'B[P9\._&T6G_8=>CLEUL^'?#=U:ZSH^K1Z<\T.G6NJWP&WE8^(/@=\0
MO'UW^S;X,^"VL>./&&J_%'XI:?\``!/!WB_5?$VM:C\4-0^%_P"T?X#MOB'\
M2?']K\0Y[U[?2?&'A*T\+?M:'PJU]-;W%A;_``8\+P3:=JD]YIO_``E@!Z!X
M;_:*?X#?LH?LU>*];TGQA\2[OQ#\#]%^*?C[5=3\4>,O&GC(:'8^#_#7B_XD
M^)8PNF>+?$.K:A_:7BU#:3:VGA[P1I:S6^G:UXP\)PW'A^UU<`T/C#\<_'>I
MQ>.X[+PM\0/AAX8^`?[3_P"SUX3\1^)-%UO1]?UWXI:=KGQ'^`%_/X:TGP1X
M(TCQ%X@OO#^L^#_B5J>H76G6%WI6JW$*>$M.6/5'\2>*?#7AH#;RL=AXL_:N
M\0^#]*^'^H2_![4/%5W\3=/\3?$#PEH7POUGQ-\7-5O?@YX8MO`<\NJM-\,/
MAMKVFCXH7\OQ$T*WLM&BU"7P-)(DIE^)L$,]C+J`!Z?\'/&7Q'\3?$#]I71?
M&MIX?M_#_@'XP:1X6\`-I&N2ZG>0:%=_"#X8^+9+'4;9_!>B^1YG_"3VFN--
M+?:O,E_XLU?1TD.G^'-.O]:`/H"@`H`*`"@`H`*`/A"6;XAZ)\&?BE\*?`_A
M?QAJOQ2NOCA\5?\`A)-&\%Z_X2\*^.?"'PC^.O[0'Q)\<0?%;P?KWC'QEX;T
M\:A<?"?6-7D\,:UI]_J<%MXPLUTV_MS/X8\2VFC`'8?#/X9^-/@E\9;3P_X<
MM/B!XY^%/C3X?P0^+?&.L0?`+PMX5\">*O`D%AH?PSTWP_X+^&5AX$F3S_!-
MGJ^AZQJ2^"M;N9+;2/A?IUOJ$6E>';N+20-OD?$'Q+^`_P`1_#7PL\9ZEJWP
MI_X1G3_"W[$'[1_@KXV_$F'XNRZ/J/Q.^,%KX=^&7BNX^+VF^%O!-W=R>*O^
M$X\3?#H/>Z[XDN-!\0>*]*.JVGCVRMK?0-"T?Q6`?1_Q.^"WQ#LM5\?Z1\-_
M@=X/\5+XF_:O^"'[4?A?Q)J'B3PEX*\)>&;GPQ<_`W2?'>91INI^(;#XH:EJ
M7@7QUJFJ7MAX:EM;CP[XUUB\BUC5/$,[>%-7`//_`!7^S+XW\;R?M9W5]\&-
M/O=2\;_"_P#:3\->%O$'Q)N/AIKOC[QEXM\7^,K'6O@[:>#_`!SX6\16UOJG
MPOT^T\"^$-1TG3_BGX<T_P`1?#^]@T33-"\2:AHT-Q'H8!ZAK7P3^('B;XO_
M``;\<KX-\0>`?"WA/P_\---\$>"O!'BCX06.A?!BS\$?$#Q;K'BW3_%>IZCX
M,U36_"/_``E7PIO/`/AR[T'X+2SV&NS:!J?@_P`1ZZ?"EKI7B64#\#/A^#7Q
M0T[XV_#3Q7I_PET^_P!8\,_M'_%3QK\1_C+J?Q'T_0K;QG\+_B!H?QQTWX=6
M\>CZ6-4UCQ_J'P\\">.M`\*VB>+=)TJXT&ZT^W\/^%)9/"?B#6_$&B@'8?$7
MP-\3-8^/OB[Q]X;^&WB#_BC/#_[.&L_#[QE+KGP]CT[Q+J/PT\:?&!OC%X3\
M/:1<^-C>)X@\2_!+X^>-?".C3>*M'TG2EU634+F;4]&^QZ/KDH!S_P`-_A/\
M9/"5Y\7?#Q\(?9_$WBO]F#P3H'_"UKCQ=!I7PX\8_M'-KOQU^(GQ1UJUN/`O
MB^P^(_A/P_K/Q*^/=SJ$%YI?A[PS+9)I>MKI":2EIH2WX!X?X1^`/CQ]?^'?
M@[Q-\`_CA=_"?PM^T?JGC*PL_$/C3]FWPKX2TGX1^,OV>O\`A7?B+0/$'PL^
M!?Q9T/PC=:>?BW>ZIK&H:)I7@ZY@U#P[KOBF.=-2O/&?B+2_$0!V'A7X._&J
M^T[XC17GPH\0>'O&GC__`(:]?X2?$3QGXE^&,>L?LL^)?B3XJ^(7B[P1J_AG
M5/`'C[7KO1_#_C/3_BBEOJFK^%+"Y\66&N^#+VVU6XUOPK-X4_X0T#;RL:&E
M?LZ:_P"&]#^!^LZ-\$=0\67WP^_:/UWQYX;\'?%#4_V>='U7X=^&=:^"7B;P
ME;72V?PG\+:=X'^%G@^/XUV?@OQ?>Z5\/;?QCJ+26<7C$6NI>*9IM%TL`^G_
M`-I+X9>,O'_A[0+KX::SJ'A?QWI>H:SX8C\1Z#<1Z3XAT_P;\6/#.K?#/Q7J
M%MKBZQI<\>G^$KOQ'X;^*IT>&[#:QJ?P1T&RMQ;ZDVG:EI0!Y!^V'\%_&_BO
MP#X5T+X->$-0>+P/X/\`&MA\/]&^'$_PTT'5?!'Q&BT70;/X.:WH^G_%&\L_
M"?A/P?H*Z;KD$WB;PO'9^/\`P[)/HR>"[_3['4?$@N@#/^)'P]^('Q*^)WBC
MQ=)\#?$%K;:5X?\`V,_'G@S4/$^J?""XO#XO^`'QJ\8?%;Q]X/\`#?\`9OQ$
MU*;1/B!>^"?B3JWA+3]1N/[-T2YO[;7[6YUZUT2[M=3U8`\_\0_`KXN^+M,^
M+0U'X2?\(/X"\8_M/Z-\:[[X<>`O$'P3\6>-OB#X5UC]GW3/!NM:?K7@KXG^
M&I_A-=^((/BS:>%/%FL0>)-4U2VDU?2?%%_I-W>W^@^&-?\`&`&WD?5_C7X=
M^,KW]G3PW\/D_M#Q9XBT+3_@U%XRTK5O%T?BG5?B1X>\#>*/!.J_%3P5J?B[
MQ!I?ARS\<ZAXU\&Z%XJ\/33^(;'PYIFO2>)'CUN/2M.U*\^R`'S!>?`'6M6U
M_P"$Z3_`/QAI/PG3]H_Q%XRC^$6C^,_`/AOPE\)?A'K'[/5I\*-;T#QI\//"
MWQ9MO".L:?K_`,6[G6O%]UHGAE/%\%WX=\2>,8-007GC+6O#NO`'N'P^N?C3
MX%_9L\=0:!\&/$%E\3?#GB#XPI\'OA?XBUOX8SV9T+7O'OB36O@OI"3^'_BF
M=!T7X?\`AGPEXA\+Z+<Z1'XATN;3[#P7?V&C6\L%OI!U$`X_P/\`"'QY\%/&
M7P2\0^#(/CA\1=-\3:?>>#?BU8>.[_\`9MLKGP!X-UF._P#&']O^-K_P0G@_
M4/B7\4+'XL:R+^;6YM2^(["U\1_%:]M7N-9\6QW.N`''ZA\!_B/<_%CP-J<?
MPI^TWNG_`+0'QA\1_%'XUI\79?`=YXN^$_Q/\-?'70_`*:1+X.N[CQ5XE\0?
M#KX?^/\`0O"VG7>NV>@:EX8O]-M-%\&7@\,ZYK'B/0P#Q_1_@EXOU_\`98DB
M\!?!KP_\0IOVCOV`/V;_``3'*^H^"?#NG:7\1_AA\.O&]WIWBOQY<>(I([N]
M\0/I_C#P';^$K[3K#67&J^!;.VUB^\*Z99V>MP@'T!_PI+Q?XV_:8_X3;XB?
M!KP_?Z%U\1^(?'>H^"?B/X5MO#6I_L]_\(#J_@?X&^(-.D\/>.--\/WGC3QE
MXQL=<\#_`!#\&:QX3UFVCU7Q;I\GA[7]173M5`_`^8+O]EWXF>(/A9\._`.I
M?LT>(-'N?"/[$'QE^$%O9VOQ0^'K^!#\9=:\.^!M4\+:[XE\"V'Q+MM#C\0:
MG\5O"7CO6SJEII?B*.:\USX:>)M7U*#6]'E@^&P![?XK^"/Q(\1>%_%G@R#X
M??%#2/AA;?'#P1\3K7P.?$/P+\=>(?&/@'7_`-G33M!\3^"X-(^,'BOQ=X+\
M2>,-*_:1:]\;>*&\?,;+4]3EU'Q;H^L:YXGG@O)`-O(Y_P`:?L^?$-KGXRWB
M_"3XH>/O'<'[*'P=\$?"7Q_KOQD\)>-[:/\`:&\#Z5XUT?\`X6!X6U'QO\0?
M#D^B^,-!N_'/AW5K/QV_@KP;?QW7A[XAZKI-M8:EXMD@\8@'U!\!O`^M>$OB
MK^T'XA/P2T_X;Z)\6/&'ASXC'Q-<7G@&V\0ZK<WOPH^%MA+X5N]+\"7^LG4-
M0TSXA6_QCO\`6[S4-3M+6/4]?2]T63Q"OBC5+_20#R_1/#_Q=\6?!7XG?`'5
MO@5\0/`,WQ?\0?M*6UQ\0?%/B7X)WWA#P;X5^.WQ.^)GBN+6;ZR\%?%O7O$&
ML>(-+\'^-X_*T:RT;[->ZW:Q:;-JVFZ9<2^(+$`/B%\)/B!?_M2:#XXE^'/B
M#QGX%UWQ`/"WC.XTF[^$%YX)O_@/XC^#&N^"M8\*?$.+XBZ_:>/-0^R_%K4+
M?Q%>^!O#;3^`KC2+.QUV+0K_`,>RZE+=@'C\7[-7Q=U?X'?LR>"+GX?>(/AW
M!\+?A_K'@V[\&?#WQC\$[+7=/^+6H:3\,ETCXZZ]JWB7PIXH\/\`@#[#XPT7
MXP7_`/PFGP]/B;XAZ7#XVTO6=&B?4_$7B30](`/K#]K;X/>.?C5X!U#P9X'T
M[3Y[O6_!_P`0?#$NJZM^T!\8?@YI6A7/BO1;72M.U#4_"'PQ\,:QIOQ>T^.7
MSIIM'\4B"U2.U>UC$L.M7WE@'I_P4\*>)?!WA74-,\4Z/_8>H3^(+J^AM/\`
MA?7Q8_:(\RSET[2K>.X_X37XQZ%I6M:7NGM;A/[$M;=["#R?M<4K7&I721@'
ML%`!0`4`>?ZC\,?"&J?$?PY\6+R'Q`?&WA/P_J_A;0KJW\;>-K'0K;0O$$J7
M&MV-SX)L?$,/AO5?MUS;:9//-?Z1<S23:!HDS2&70M->Q`,_4/@U\.]1\,GP
MD^CZA8Z4GC#Q/X_LKK0O%/BWPWXFT7QEXS\0^)/$_BGQ#X:\:^']=LO$/A?4
M-2U+QCXKAG;2-4LE;3O$FI:0%&DWDUDX`:_\%_A?XDTJ'0M4\(:>FB6GPO\`
M&7P7LM&TF?4/#NE:=\+_`!_;>%[/Q3X0TS3_``_>65OIFGW-IX,\,P0R6L<-
MQ8QZ4B6$UJLLPE`/4*`//_!_PQ\(>`M=\>^)/#</B"+5OB9X@B\4^,I-7\;>
M-O$]G?Z[!9IID-]IVD^*/$.H6'AK9I$&GZ:L.BVVGPBPT72+$1_9-'L(;,#;
MR.?\+?`CX9^#-=L?$&@Z7X@CGT7[5_PC&BZMX_\`B%XC\$^!_M5G<:4/^%>?
M#SQ)XIOO"WPZ^S:%>W^BV7_",Z/I7V#2-3OM'L?L^F7MQ:3`;>5CH/!_PQ\(
M>`M=\>^)/#</B"+5OB9X@B\4^,I-7\;>-O$]G?Z[!9IID-]IVD^*/$.H6'AK
M9I$&GZ:L.BVVGPBPT72+$1_9-'L(;,#;R//_`/AF+X1?\()_PK;[)\0/^$2_
MX6!_PM+[-_PNSXV?VQ_PG?\`;'_"3?V[_P`)9_PL+^WO^1M_XJ3[%_:?V/\`
MMW_B>?9_[7_TV@#L(O@]X(@^*%Y\8H1XPA\=ZCI^F:3J%Q%\3/B7'X9OM*T7
M3]6T[1M,O/AZOBX>$[G3[!=?UV[MK>71&C@U'6K_`%2)4U*\FNY`#G_$G[/'
MPV\4^,M;\?ZA<?%#3O%?B+3]#TG6-0\)?'CXZ>`K:ZTKPU'?+H.F+HW@?XCZ
M3IMKI]E+JNLW,5O;V<48NM<U2\*FZU.[FN``\9?LY?![QQ;:!9ZKX8U#1;3P
MQI_A?2=&M/A[XS\<_"BVM]*\"ZK#KO@'3+J#X7^)?#Z:GI_A/6X3J'AZWOEN
M8]!NKF[N-(6RFO;EYP#0T/X"?"?P_>>,KRU\*?VE_P`)Y_PFB>(]/\5Z[XE\
M;Z$UG\2==N_$_P`1=(T+PWXSUC5-*\(^'_%7B"\:_P!;TC0;+3+#5IK6Q:_M
M[C^SK,6P!T&@?#'PAX7\*ZWX/T2'Q!:Z?XC_`+2?7]8F\;>-M0\=ZS>:IIT.
MC3:OJ7Q,U'Q#/XON_$$&C6FFZ=9:O)KC7^G6>C:5::?<6UOI5E':@''Z%^SE
M\'O#6E>&M(T3PQJ%E%X.\'WW@/PKJ7_"9^.;CQ-X?\,W=MK=C96NE^+[OQ++
MKMIJ&AZ5XG\5:9X=U5-1&H^&-.\7:_IWAVZTNQUS4+>\`V\K&?J/[+_P5U3X
M<>'/A/>>'?$!\$>$_#^K^#]"M+?XD_$ZQUVV\$^((DM];\!7/C6Q\8P^)-5^
M']];6VF03^%[_5KG2)(=`T2%K(Q:%IJ6(!GM^RA\&6TK7M'E@^*%Q:>)_&'A
M+Q_KTUU^T%^T!=:KJ/C+P);6UKX2\0RZ[<_$]]2CU#3HM.T)HVBNT5Y/"GAN
M:59)O#6D/IP&WD=!<?LY?!Z[MKNSNO#&H7-I?^,/&OC6^M+CQGXYFMKR^^)6
MJQ:[\1O#=W!)XE*7'PO\5:W!!J&M_#R16\(ZK=0I<7VB3S('`!V&C?"WP)X?
M\=^+/B7I>A>3XV\:_9O[?UJYU/6-0W>1H_AK0)O[&TW4=0GL/"W]H:3X*\&0
M:G_8EKI_]K?\(=H4FI_:Y='LGM@#T"@#Y`^*7[1?Q)\!^.]=\*>'_@S_`,)7
MI&E?V9]DU_\`LO\`:QN/M_V[1]/U*?\`??#/]B_QWX;?R+F\FMO^);XKU7'V
M;%S]ENQ<65F`?7]`!0`4`%`&?)I.E3:K9:[+IFGRZWINGZGI.G:Q)96SZK8:
M5K5SI-YK&F66H-&;BUT^_N]`T*>YMXI%CGDT6P>57:SA,8!H4`<_K_A/PKXK
M_L3_`(2GPUX?\2_\(UX@TWQ9X<_M_1M.UG^P/%6C>=_9'B71/[1MIO[*\06/
MVFX^S:C:^5<P>?)Y4B[VR`=!0`4`%`!0`4`%`'G_`,-_B7X5^*FA7GB+PC=_
M:=/LO$&MZ!)OGTZ:5_[+O&_LG6X?[,O[N-O#_B;PS/H/B[0+PR+_`&GX;\8>
M']7B1;?58<@&?K_Q5TK1/'T/PQMO#OC#7_&5Y\+_`!E\5=+LM)TBVM-*U;2O
M!FM>%_#]QX=TSQ3XEU'2="N/&%]JOBW3(X;`ZDD=G&R7.M7&E6U_ILVI`'J%
M`'/^+/%.A>!O"OB7QKXIOO[+\,>#_#^L^*?$>I_9;R]_L[0O#^G7.K:O??8M
M.MY[N[^SZ?:7$ODVL$TTGE[(HW=E4@'04`%`!0!S_AGQ3H7B_3KG5O#E]_:&
MGV?B#Q9X6N)_LMY9^7KO@?Q5K/@KQ38^5?6\$C_8O$_A_5[/SE0PS_9/.MY)
MK>6*60`Y_3OB7X5U/XC^(_A;:7>?$WAGP_I&OWG[_3C9W/\`:,K_`-IZ+I_E
M7[W<WB#P_I][X*U/6K-[2+^S[#XJ^!KJ1V3Q-:;@#T"@`H`Y_P`4^$_"OCC0
MK[PMXU\->'_%_AC5/LO]I>'/%.C:=X@T+4?L5Y;ZC9_;M(U:VGM+OR-0M+2Z
MB\V)_+FMHI4P\:L`#H*`/+_`WQ>\&_$"YL(-`FU".+Q#X/T+XB^![S5;"32[
M;X@_#OQ!I6AZA#XS\(+<,)[G3["[U^PTS5=/O8+#5](NKK3GU/3;2Q\1:!>:
MZ`>H4`%`!0`4`%`!0`4`%`!0`4`%`!0!\8?M+ZGHOPW\;^#/BWXRUCXH?\*]
M3X7_`!\\&^(?"GP^^)7C[PV^H>(=)^&FM?%O0]?A\,:+XUT'1/[0L/AO\._C
MC86^M^=!J<.L^)/",L;@Z7::IX7`_`Z`:_XM_9F_9Y^%.B:S#J'Q7^)\6G^&
M?"&KSZGXR^(?BVY\4>/IM`U#Q'XXUF/5(_"_C/XB^*=/DN=(\3WEI8^'/!?B
M.]L[46[RZ5HWAC2-3U/PR`>7Z3\?==7XA7WQ,\/?\)!XL^'/Q4^'_P#P3^UK
M1_!GC/Q'9^&/^%8Z%^T?\3/BW\.I=6\,Z/X>\-:K::IX@74+KP=J&J6.H:@9
MKO9>QKXB%EI&CZ=$`>@>,OVHM8\&0>-]/N?AI_:7BW0OV@!\#/".D:!JGCOQ
M;IWB3[3\&])^/6G^*=;'@3X1Z]XJT/=\/[V^BN=-T3P;XM^R:K8QQ27C:1)<
MZWIH!]/^$]?_`.$K\*^&O%/]B>(/#7_"2^']&U__`(1SQ9IO]C>*M`_MG3K;
M4?[$\2Z1YTW]E>(+'[3]EO;/S9?(N8)HM[;-Q`.@H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@#P_P#:'F^(9^%^JZ-\
M,?"_C#Q+XB\5ZAH_A/4)O`>O^$O"_BWPKX-UW4(;7Q[XQ\,:[XQ\9>&[/3/&
M&F>#?[;;P_<QW=VT/B*?09KFSETZ*^>``\P^&?PS\:?!+XRVGA_PY:?$#QS\
M*?&GP_@A\6^,=8@^`7A;PKX$\5>!(+#0_AGIOA_P7\,K#P),GG^";/5]#UC4
ME\%:W<R6VD?"_3K?4(M*\.W<6D@;?(^(/B7\!_B/X:^%GC/4M6^%/_",Z?X6
M_8@_:/\`!7QM^),/Q=ET?4?B=\8+7P[\,O%=Q\7M-\+>";N[D\5?\)QXF^'0
M>]UWQ)<:#X@\5Z4=5M/'ME;6^@:%H_BL`^C_`(G?!;XAV6J^/](^&_P.\'^*
ME\3?M7_!#]J/POXDU#Q)X2\%>$O#-SX8N?@;I/CO,HTW4_$-A\4-2U+P+XZU
M35+VP\-2VMQX=\:ZQ>1:QJGB&=O"FK@'G_BO]F7QOXWD_:SNK[X,:?>ZEXW^
M%_[2?AKPMX@^)-Q\--=\?>,O%OB_QE8ZU\';3P?XY\+>(K:WU3X7Z?:>!?"&
MHZ3I_P`4_#FG^(OA_>P:)IFA>)-0T:&XCT,`S_'_`.S_`.+_`!GXQ\9>)$_9
ME^(&A:?9^'_V06^'^@^'?C#X)L].\/V?P9^.T^N>*]$^&NGV7QBT:R^%?Q`M
M/@9KUEIMC<:%;:%8:/JMI\1K'P_XDFM_$9USQ\`=!XQ_9\^+OBWPYX/\+OX=
M^(&A>'_AU\0/VF=!\'Z)X3\5_!/3/[+M?%WQ3T[7_P!F;XF^&M2\8Z=XPMOA
ME\/_``'\,H]2\.V6M^%]&MOB/X,\Z&U\):!+I[7*7`!H:Q\)/&^D>,OC5\0_
M#WP`^*&L^.+S]J_X2^//AQXINOB)\--7UJ'X7Z='\*;3XQW7@*]\8_'`OX!T
M_P`3:)\-_'.@7>E1'0+C5=`\:^!_#U[:_P!AZ--I_@P`^@/V<?`^M?!CP1\4
M_#EI\$M/\':5I?Q0^-/BWPKI'@Z\\`V.J_$JV\0?$OQYXA\*-HVBZ;?V>B:+
MIZ_#>7X:^'M)F\1:[I5TDFFW.F7UAHND^'].OM7`V\CP_1/A;\;O">A?#?X\
M+H7Q@\1_'.]^("^)?B3\%DU/]FJ#0M*_X6#>6>D?&VV'C,:AI'B#Q/\`#^U\
M'Z-;)X)T+5/BIX@^RS>#_A'#J]DUKX,6'0@#G]2_9NU'Q%\;]?\`%WB+X$?$
M#6O#][^U_#XLN-3\1_$KPKKD&J_!KQ)^S5K?PH\4W.F:=??&6[N=/^']U\3=
M/TB\\1>$&M+"37/!LGA;0KC0]7T_P[%X8\/@!>_!WXU>+/AQX5A\>_"CQ!XI
M^*UY^S!X`^%?@CQ?XI\2_#'Q%KO[.7[1/A2+X@Z5XM^/%]XJU'Q]<W^@_P!O
MZOKGPU\21>*?AS+XF\4W,/P]BEU'3K75=(TJRN0#L/B=\%OB'9:KX_TCX;_`
M[P?XJ7Q-^U?\$/VH_"_B34/$GA+P5X2\,W/ABY^!ND^.\RC3=3\0V'Q0U+4O
M`OCK5-4O;#PU+:W'AWQKK%Y%K&J>(9V\*:N`<?\`#7X'>(O#?_"LVN_V;?B`
MMSK/[0'[04'Q?U'QQXX^%GC[6+S]G'XE_P#"W)O#7A'QGK6O?&O7[_Q3\/Y]
M7^)_@77=7\(VUSJT5UKO@'Q9X@NM.O=;O+#4/%@!V'P3\(^)O#_A?]BGX1ZA
M\.]/\!>*_@AJ%MXN\>>$M*U3P]JESHGAE?V=/BY\,-7^(GB^7PIYV@:+J'C'
MXX^+=9;2K*WUC5]1U^U74==.+K3/%=CX2`V\K'Z'T`%`!0`4`%`!0`4`%`!0
M`4`%`!0!S_B7PMH7B_3K;2?$5C_:&GV?B#PGXIM[?[5>6?EZ[X'\5:-XU\+7
MWFV-Q!(_V+Q/X?TB]\EG,,_V3R;F.:WEEBD`,_QKX#\,_$#2K?2/$UKJ#Q6.
MH1:MI6I:%X@\0^#_`!-H.JQ6UW8G4_#7B_PAJNF:[X9U";2M1U33)[C2M1LY
M+C3M8U+3IVDL=1NK>X`/'_#'[)GP-\'VVH6>B:#XP%IJ'@_PWX#^R:O\7_C'
MXEMM+\,^"M5&N^`[7PU!XE\?7Z>$=0\):WOU#PWJNB+I^H^'KJXN+C1;JQFN
M97D`-#3OV6_@3HUGXCM]$\#?V#J'BSQ!I'BS7_%V@^)O&.B?$>_\5:+H3^&K
M7Q*/BCI7B"W\7VGB"XT:[UR&_P!1MM;AN=4?QEXLGU*2[N/%^O2ZN!MY'N&D
MZ3I6@:5IFA:%IFGZ+HFBZ?9:3HVC:396VG:5I.E:=;1V>GZ9IFGV<<=O8:?:
MVD,,$-O!&D<4<2(BJJ@``T*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`/
M/_'7@WQ%XM_LO_A'_BQ\0/A=_9_V[[7_`,(+IOPLU#^W/M?V3R/[4_X67\-/
M%OD_8_LTWD?V;_9^[^T+C[3]HVP?9@#S_P#X4W\1?^CL?V@/_"<_99_^AIH`
M/^%-_$7_`*.Q_:`_\)S]EG_Z&F@`_P"%-_$7_H[']H#_`,)S]EG_`.AIH`SY
M/ACXP@U6RT*7]L/XX0ZWJ.GZGJVG:-)I'[*$>JWVE:+<Z39ZQJ=EI[?LVBXN
M=/L+O7]"@N;B*-HX)-:L$E9&O(1(`&K?#'QAH&E:GKNN_MA_'#1=$T73[W5M
M8UC5M(_90T[2M)TK3K:2\U#4]3U"\_9MCM[#3[6TAFGFN)Y$CBCB=W954D`!
M9?#'QAJ%SJUGIW[8?QPOKO0-0CTG7;2RTC]E"YN=%U6?2M,UV'3-6@@_9M9]
M-U"31-:T?4%M[A8Y&M=6L[@*8;J)W`-#_A3?Q%_Z.Q_:`_\`"<_99_\`H::`
M#_A3?Q%_Z.Q_:`_\)S]EG_Z&F@#/U;X8^,-`TK4]=UW]L/XX:+HFBZ?>ZMK&
ML:MI'[*&G:5I.E:=;27FH:GJ>H7G[-L=O8:?:VD,T\UQ/(D<4<3N[*JD@`P/
M$GAV;P9JOAC0O%W[=/Q0\*:WXUU`Z3X,T;Q(W['^A:KXMU47.GV9TSPQI^I_
ML[07&O:@+O5M*@-O8QSR>9J=HFW=<1AP`\2>'9O!FJ^&-"\7?MT_%#PIK?C7
M4#I/@S1O$C?L?Z%JOBW51<Z?9G3/#&GZG^SM!<:]J`N]6TJ`V]C'/)YFIVB;
M=UQ&'`.O_P"%-_$7_H[']H#_`,)S]EG_`.AIH`Y#6_@)-XQU6QT+Q'^T]\4/
M%6M^"-0\-_$+3=&UOP?^Q_KFJ^$=5:YURS\'^.+'3[[]F6>XT#4#=Z3XE@TW
M68HX)/,TS4TM9]UO<!`#K_\`A3?Q%_Z.Q_:`_P#"<_99_P#H::`,#Q3X'UOP
M+H5]XI\:_MK?&#P=X8TO[+_:7B/Q3:_LC^'M"T[[=>6^G6?V[5]6_9RM[2S^
MT:A=VEK%YLJ>9-=11)EY%5@#G_#EG8^+]=?PMX1_;\^('BCQ-%X?T[Q9)X<\
M.7_[&VM:['X5UBSTC4=)\2OI&F?L]S7:>'[W3_$&@W5OJ)B%M/#K=A+%(R7D
M+2`'7ZG\,?&&B6T=YK'[8?QPTBTFU#2=)ANM3TC]E"PMI=5U_5;+0M"TR.>Z
M_9MC1]0U+6]2T_3[2W5C)<W5_;V\*O-.B,`:'_"F_B+_`-'8_M`?^$Y^RS_]
M#30`?\*;^(O_`$=C^T!_X3G[+/\`]#30`?\`"F_B+_T=C^T!_P"$Y^RS_P#0
MTT`'_"F_B+_T=C^T!_X3G[+/_P!#30!GWGPQ\8:;<Z39ZA^V'\<+"[U_4)-)
MT*TO-(_90M;G6M5ATK4]=FTS28)_V;5?4=031-%UC4&M[=9)%M=)O;@J(;65
MT`-#_A3?Q%_Z.Q_:`_\`"<_99_\`H::`,#1/`^M^)?)_X1S]M;XP:_\`:/#^
M@>++?^Q+7]D?5?/\*^+/[2_X1;Q+#]A_9RE\WP_K/]CZO_9^HKFVO/[*O/L\
MDGV:78`7[+X">,--N=6O-._:>^.%A=Z_J$>K:[=67@_]E"UN=:U6'2M,T*'4
M]6G@_9E5]1U!-$T71]/6XN&DD6UTFSMPPAM8D0`T/^%-_$7_`*.Q_:`_\)S]
MEG_Z&F@`_P"%-_$7_H[']H#_`,)S]EG_`.AIH`/^%-_$7_H[']H#_P`)S]EG
M_P"AIH`/^%-_$7_H[']H#_PG/V6?_H::`/,/&MUX<^&FJV^A?$;_`(*'>,/`
M&MW>GQ:M:Z-XUUO]BWPKJMSI4]S=V<&IV^GZ[^S_`&MQ-I\EW87T"7"1F-I+
M*=`Q:%PH!W^D_#'QAKVE:9KNA?MA_'#6M$UK3[+5M&UC2=(_90U'2M6TK4;:
M.\T_4],U"S_9MDM[_3[JTFAGAN()'CECE1T9E8$@&A_PIOXB_P#1V/[0'_A.
M?LL__0TT`'_"F_B+_P!'8_M`?^$Y^RS_`/0TT`'_``IOXB_]'8_M`?\`A.?L
ML_\`T--`!_PIOXB_]'8_M`?^$Y^RS_\`0TT`'_"F_B+_`-'8_M`?^$Y^RS_]
M#30![AI-E<Z;I6F:=>:MJ&OW=AI]E976NZM'I4.JZU<VMM'!/JVIPZ%IFG:;
M%J%Y+&UQ,FGZ?86JR3.+>V@A"1(`:%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!
M0`4`%`!0`4`%`!0`4`%`!0`4`%`'Y8>*/C+JNN:KXR_;(\)^)?A?JOP7^"GC
M";PO%K,/QJN8-5C\`_#ZYU_PO\4O!L?PZTWP=J&A>(_&'Q+U7Q+)KOAJ,?$O
MPY9>(I-"_9YU+4;!)/#I@U<`T/VX_B#9^)?AQ\8_#LOC_P`/V7P_U3]F"#Q[
M\*=)3PKH7Q"T+]H#7==B^)=[XF?2(Q97>JZ__P`(%X?\+?#;Q=IWB#P1J6EP
M^#YO%5IXN\5OJ?A^WM[:,`]`M_C3X[T_QS<^+O%WQ._L#X1>&?VG[[P=XF.M
M^"]'^&OA#PY\&O&_['?A;XJ?#^+XD3^/-*D\1>"O$&E_%37?"NE'4-1UK09+
MS6_&=QIMWI\`U#2=#T4#;RL>'Z_^T[\0V^%7A.UTSXP^,-(\27?C#]J_P[:Z
MI?\`PZ\)>%?VAOB+J'PP^*\7@WX3Z=\/OAE\5OA;X=\"?%/4+?1_%WAJ/Q%X
M'TJ3P/XHU2_LY+'P]=G7O#WB#P]=`&AXQ^)?B_X8?$7]I3PYX1^+'V#6?%/[
M3_A2Z\9:_P"-]2\$^"_"OP7^'$_[+/P^U_2?%.K?$L_`_P`6>'_AQ_;_`(P@
M\(_#G1I?'>@>($U^V\.FPT>#_A(TUSQ-"!L'[6_CWQ5XA^!WCWPQ\4/%'A_P
ME-J'[('A_P`=:1X+3X9:CJ6A?&7XIZWI/Q"N_BCI>D>#?B!H,?CZV_X5LGA7
MP+XFTZYTU_#VH^`9O$EIXE\>PWNF6*V,`![A^UU+X-^(MI^R]X,O?&NG_#W5
M/BC\4/$<O@#5?%5I)X>\6^&O$.H_LT?'#2O`_C72O"'B>XT36[#QAX:^)'B[
MX<S64##2]3T_Q%?:!:K)8ZM<6F`#Q^W^*&E?$+X[_LR_&'Q\NG_#35=4^*'A
MWX7^"?`7C#6K8ZAI&JQ_LJ_&?7/C`WA;4-:@TN;^T'^-'QF\#_"#Q+IUAID,
MG_"4?!#0K#5)#JS6>C:"!L<_\8?VO?B'\/O$/[1&@O\`&/X7^!M2MOA?\?M<
M^&^C>.+GPDOC+PCXR^$7B;PIHW@70K+X57-II5]HNH?$#PIK>MZQX>NO$?B_
MXB+XN6#1O%NEZ'H&C"\\%W@&QH7?Q-\->#/C[\0I8OC_`/#_`$;3_&OP?_9B
MU[XT_'OP%_PJ>'Q%I]YKWC3XV6O@S7=-\+:M:ZUHMA\/Y8/'WP8\.-XLUZ+Q
MW?Z%X5UWP'%J?V^W\0S?$'PD`'Q3^(/QD\>>!/VY?"_B?QAX?T3P_H?P?_:9
MV^#M`N8-2\=^"].\`ZQJ.C_#?^V_#UY\'8[;X;>'_B9\,K34M4N?^$K\9^*M
M5\56>M1Z_P##_P#X1O3].OETP#8^_P!]&\*_&SX':OX0;Q9X@\4>#_B)\/\`
MQ'X`O/'J6VG:3KOBC1]8TG4?!^I^-=(EB\-66BW/]JP/<ZKIVL:7HHT+48;V
MTU+2(9]'O+0S`'@'PG\3_$?5O!/QQ_:(\4>&_LGQ-C^'^C?#RT\,^"_#\OC*
MSN]=^`'A#Q'>^-=*T/P/;^+[?4O%'B#3_P!IKQK\=_!\5C'XITV'6K#P;X>&
MF7JP7:>(=;`V/F^?X^^$O&GP>U-/B]\5O@?XLUOX+?MG_LL6WAGQQ:?$KX=^
M,HQI5_XY^"WCN3Q;%XTT?P3X#TB?4+?P[J?QHTJ35-&\'>&8X=&\$^)+&X%Z
MVB:YJNH`;?(]@T'XZ>)M"\9?`/X>>)/BGXP\1>.%_:/^.OPJ^*'A6/P'X>U;
M6M3\`R1_'6[^!WB+XG67@;X:QO\`#S4+W1/"'PUU_1[^T'A*RUC0+KQ'XADM
M[_0]+O\`4-$`/0/V._B=\7/B7I7BK4/BGK7@_4;M=/\`!6K7&A>&[Z^U75?A
MIXYU^VUZ?Q]\)_$\T'PP\)Z;X/U#PS+9Z!;CP#J.H>-/&'AR2ZNSXI\0W\.L
M:'*X!Q\/QM\7P^.[N"?XR^'](\3?\+`^/7ASQ_\`"?Q9IW@F?PK\!/A!X`T?
MXP7GPW^/OB7P[IT>@>/M'\/ZJG@CX/ZC>ZSXH\:IX?U*V^+<PTW^S4U_P[-H
MX!G_`+,7[0>M>)=5_9RT;QM\=_!_Q(\1?'[]G#6?B9JF@V\7@'0)/#GC+P5<
M_#O2(-&\'Z/X:\O4GU#4HM2^++>)(=6N]76;6?A7K<VA6?AC3M'U+0[4#;R,
M_P"+?C#Q5\8/B/\`$6]^$/BWX/KI_P"R=]DL=0U7QC\;]1\`V?@/XIV\N@?$
M/Q)XZ\8Z3X8\">+X]:^'\/AG0F^'=U<2:MX"U&.PO/CUX6GNOL^KF]TP`[#Q
M[\=O#WQ2\&_!S7]"\;Z?X0^"_P`:OA?X^\22:IK/@_PS\1K;Q;XYMY/`&E>%
M/V;O%7A!EUJW\::AXCM/$_Q,LM8^'/A*ZMO&&LW7P\OM,\/ZO92:?J/V@`^?
M_@K\4_BA9?![X:RZ1X[U#0?`GPY^!_\`P3?\5?V:GP_T_P`/QZ7X!\0^.?&G
MPN_:(G\?ZCX\T;4+Z\\'_P#"*>"M:\3MXOTP^&K*RT;PWI.J:=<C38M1U;Q.
M`=AXA_:EU&+3/BT-(^-GV'PQ9?M/Z-X8\.?$#Q3I_A7X=2S?"SQ#^S[IGQ>@
M\*_!/XD>-_A.WPL\0>()O$>E^(O^$?OO''G:=K'AN_TK[1XHM'\8>%O$]R`>
M?^-_BSXO^%/_``NCXA:C\</$'AKXNZQ^P!^SWXI\.Z=\4OAIX)T:=/%^G_\`
M"]+K4[[7?A[HVFQ2>!O$"^)M.?3;6'5_$>HZ)IGC+XWVFA7D?B$WGA+P\`#V
M#P%\?O%^F?&)-!\3_M"?#_XA>$M8_:`\'_"ZQM+?1_!/AZS70OB]^R9%\=O!
MWB70-2T;5I;F7P_K/Q-T<>&?`4%W=:G-<6&I^(K'4M7\9ZO-I.H>%P-O*QY?
M8_M-?'FS^#USXT\8_&;X'_#O6[WXH?LSZ9J+>(;<^+H_A_KGQ%\<FQ^,_P`&
M?$$=QX=^&>D>"]0\(>'8K?4M0\#WVM^-O&_AG1M'\4MX@\2QMK/A[Q'H@&WR
M.@\2_%C3Y_B=\/=(\0?M":AKMM^SK^V?>^!K[4M*@^%^L^,O%EMK_P"R)XX\
M5V%AXO\`#O@_X?R&^\877Q"F^(WPITK2_"&A:)=:@KZCI%O8WOC33[;5;$`^
MD/BI\6/A9\.OVI_A!_PL#XE_#_P)Y'P`^/WG?\)CXR\.^&/)_P"$A^(O[-_]
M@>;_`&UJ5MY?]I_\(EXK^Q[L?:?^$9U;R=_]G7/D@'E_B;QOXF\(^!OB;XP\
M`>*]/\!_#WXF_M'PZC\/OB+J>H^'O"'P[TCP#J7P>\+:AXF\:1^-_%WA+Q;H
M'PM\'^+OCCX9\<26GBF_\`^*[+Q;J_CNWFTNUS\2]-\:V`'X'E_P\^/6NZYK
MOCWXU>&O%?\`PG'Q6^(W[`'P8^(7@OX.^%M"L_%?A"\^(_AZS_:-U3Q!H-CI
M?A#1Y_%L'A_PY\1/#E]H<HU+Q07AUOXG2^';Z_FU74?"EAI8!]G_`++_`(O\
M9>,O`.KW_B_QIX/^(BV/C#4-,\,^-_!7B"/QGI6O^'DT7P_?227'CW1_A5\.
MO#'C?4+/Q+?^(M->_P#!_A>UTRTCTN#1KR:Y\0Z+KDS@;?(^D*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`//_`(>_#VS^'UGKP&O>(/%GB#Q;X@/BGQCXP\4G0HM=\3Z['H6A>$[*^OK+
MPGH6AZ#IOV3PEX5\,:/%#H^BZ9"\.AQ7%Q'/J%S>7EZ`>@4`%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`'G_`(7^'MGX:\5>-/&MQKWB#Q-XF\:?V7I]
MQJ>OG0H/[%\(>'=1\3:MX3\":)9>&="TBT'A_0]0\:>+);:\U&#4-;N/[=D3
M4]7OTM;);,#;R/0*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
%`H`__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>logo.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 logo.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`"<`Z@,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`)_VN_VQ_P!I_P"$_P"UO\3]"\"^-FB^%/PBL?ACXQ\0>#QX
M?\/7?VCPQJS>`[#7K<7]QI,E\%NM3\4*&D%RK1K=9C9-@P!M\C]Y-'U6QUW2
M-+US3)UN=-UG3K'5=.N4(*7%CJ-M%>6DZ$<%7MYHV!]&H`_#[_@HK^V/^T'\
M-OC#X@\'_`7QH/"GASX3_#[PKK/Q$FCT;0-6:?Q%XVU^"UTNU:35]+NS`\>F
M:EH\B(C1@B6X+`E10!^SWPWU6_UWX=^`M;U6?[3J>L>"_"VJZC<[(XOM%_J&
MAV-W>3^5$JI'YEQ-(VU%51NP```*`.TH`*`"@`H`*`"@`H`*`"@`H`*`/R9^
M(_QY_:6_:3_:+\??LW?LG^)M`^%/A;X/1+;_`!/^+VLZ=!K&IS:Y)+]G?2]!
MLYK:Y2&..^BN;.-(XDFF>PO9WNH(4C20`Y+QIXF_;U_8;MK#XH?$KXDZ+^U+
M\"[;5;"T^(-JN@P:!XR\*Z?J%S%9KK%A)%:*\<*S3I&DDEY>P>=)%'<0PI*)
MX@/P/TN\7_$RWN?V?_%?Q@^'>I6M];M\)-?^(7@S5&A6YM)PGA&\\0:'=S6S
M-B6/<MNTD#$=&1L$'`!XW^P5\:?'?Q__`&:?"/Q.^(]UI]WXKUC5_%MG>7&E
MZ;#I-F]OI'B/4-,LA'96Y*(PMK>,,R_>8$GDT`?9-`!0`4`%`'`_%:_OM*^%
MWQ)U33+N>PU+3?`/C&_T^^M7,5S97UGX=U&XM+NWD',<\,\<<B,.C(#VH`^-
M_P#@F/\`$+QQ\3?V4M`\5_$/Q7KGC+Q+/XO\:6<VM^(;^;4M2DM;+5!%:6[W
M5PQ=HHH_E123M!P.*`/T&H`*`"@`H`*`/PO\5_#>#XO?\%$_VW/AE-&LC^,O
MV2Y-'L=P'[G5Y-(^$D^BW*YX#PZO#92@_P#3.@#[=_X)R_%$^.OV0O`,FN3F
M#6/AC!JWPU\3B[DQ+8R>!I3;6?VO>=T13PVVDLV_T;T.`#\??B9'/\1/V0_V
MS_VI+^(>9\;?VE/".E^&9W!,@\$>"/$*P:2L+MTMRVI+;$#C=HP'\-`'ZY_M
M`_M+2?LM?L7^!_'FDVEKJ'C36/!GP]\'^`=-O$:6UF\3ZQX5MIHKRZMHV5[F
MTL-/LKZ]:%2/-:VBA++Y^X`'@WAG]@K]HGQQX/T_XD?$3]LSXW^'OCUK6EPZ
M_%9:%K=S:^!?".K7D`O+/P_<:':74!NK>U=XH+G[$;&$,LBQ6[I&IE`/</V"
M?VDO'OQ6T[XD_!OXW"W'QS^`/B-_"OB[4+>..W3Q/IBW5[86&OM!#''$+U;K
M3KJWN)(8XXYE^R7(16NG1`#\XOV>/B1^V;^TGXD^-G[/_P`/?BKX@\-V=G\3
M_$.M^,_C1XBU._UC4?`O@>"^NM'T+P1X,@\P36E_J=_;WTVVVGM&\K3B$G@C
M29G`/K7]H#XD?&/]G+P7^SK^Q7\'?'VH^-_V@/BM/=:._P`6_%43RZOI7AZY
MUVZ-QXDGBO[S4FCOF>\NXDN9YKPVUGX?NY5!F\DQ`&_>_L9_M"_!W0-1^*?P
MU_;)^+7BOXK^'M*N=>U30_BC?RZY\+?&KV%N][J.B7.@3W4TFBVMTL<J07'G
M73PL4(,6?-B`.I_X)G_$?XD?$/\`9&U+QGXEUK5OB#XY/C;XA_V:_BC7;F26
M_N+:&QGTK17U:\%PVG::UY)Y2L$=+=)V98R%VD`\^\-_LB?M8_'Z/4/B%^TK
M^TO\4/A!XAO]5U(Z!\*O@UKL>D:!X.TVVNY;>P%Q>:;J#VNI-*D*3)M$TS0O
M$\]X\TCI"`=5^Q5\5OBWH/Q\^/7[('Q=\>O\5[CX26.F>)?!7Q$OQ&NO:CX<
MU#^R2VGZU(DLK75Q';^(-&?,TT\L$R7D332Q^5Y8&WR/!O%'C;]K?QK_`,%`
M_CY\#O@K\3I?#>AS>#-"6;4O$]Y/JN@?"S0I])\&W&K>)_"?A61_(NO%4UU=
M-:VHV85]7GE=XPOFP@;?(QOVD?`7QR_X)_Z9X%_:&\)_M0_%OXKV\_Q!T;PY
M\1?!GQ,U6;5-!\1VNK6NHW\TEEI\EY-#IT4B:9<P!%#3P-=02PW(\DJP!^X^
MFWL6I:=8:C""L-_96M[$K?>$5U!'/&#[A9!0!^(?C^R^./\`P3V_:@^+?Q[\
M+?#74?B[^SQ\<;X:YXQ70$G.K^$;^6]GU.?[5);Q7#:7/9:C?ZHT%Q=0-8W=
MK?K%)-!<Q[H@#[<^#W[=?[)/[4UF?`\7B'3+35O$=N+"[^&GQ3TNSTV;6?/1
M6DTR&'4&N-'\1[F&!;6UU<22;<^3V`!:_;2^!-UXS^`FKVO@?XC^)_@OH/PO
M\#^/M:?PU\.H8-(T3Q5I-KX4NI$\*:MI]C/:0Q:'LLY8A#&C(%O9?W9XH`^1
M?^"2GP7\16OPG\&_&IOC'X]N/#=\/'^AI\&I9V'@&PNU\1W%D=:MK?[:R_V@
MSV3W)86Z'S+R7YL9+@'N_P`5_@M^US^T7\:O%WA[6?BGKO[.W[./A2"QB\)2
M_"_6(&\8?$N>[1FN=0U#5+.Y@N=)\F2%_,MKH"*!9;:.*WN7>6Z4`\,AO/C'
M^PO^U'^S]\+KWXY^,_CA\&?V@=3N?"C:/\2KP:MXH\(ZZ+W3=.@O[/5))Y9E
MA%WKFDRJ4$$4T7VV%X-\44X`.I_X*1_%;XU_#KXL?LC:9\%_$6K66K>*O&.K
MV3^%(-<N=%\/>,]035_!\.D:5XH\B6-9])>:\EAE$C`"&ZGP06R`-O(I?%#]
MD#]INR^'OC3XX^(OVTOBF/C9X7\,Z_XYAT/PC=3^'_A/83:)8W>N2>%=+\/P
M72;].\FV>TCNY(8@YV23VCC<&`/H?X%_&S7OV@OV"+[XF^*D@7Q3J7PJ^)VD
M^(IK6%+:WO=6\.:?XCT.YU.*WC`2V^VBQCNFBC`1'N'5`J!0`#SO_@DA(D7[
M%WAV65UCCC\:^/Y)'<A41$U?<[LQX554$DGH!0!XGX$B^,?_``4C\:_%'Q>G
MQM\>_!/]FOP'XMNO`W@/P_\`"^]?1->\:7FGHD]QKNL:NKKOWV=Q8W++/'=Q
MH=32V@BC^S32S@%R\N/C-_P3Y^/'P2\.ZS\:/&?QJ_9R^.'B0>!KFV^)-VVJ
M>)O`_B2XGL[6UO+35I)9&$2R:E:7/[D00S007T+VRRQ0W%`;>1ZOJOQ`\=_!
M?_@I9HGA#Q%XQ\27_P`(OVD/A[(/"7A_5]8O;SP]X;\=:1%$DL.AV,\I@TV:
M>ZT(J4A5=Q\6*"#\E`&]_P`%+?BAXY\)_#?X7_##X5^(=:\,_$GXW_%CPUX,
MT+4_#FH7.FZU;:=%<12:C):W5DZ3PQO?W>B6\C(PS'=NI^5C0!^A>@:0=$T+
M1=&EO;W5)-(TG3=,DU+4+B:YO]1>PLX;1[Z^N)7+SWD[1&661R69Y&8DDT`?
ME/\`"S_E+_\`M$_]D"T7_P!)?A!0!\N?$#XI']CSQ)_P4B^#4=PNEK\2=.T_
MXA_"*V5BCOJ'Q4E30?$"Z5&,9EM;;Q,'4(,H/"[_`-SY0-O*QZO^UI\+E^#7
M_!)OP7\/6@6VO]'3X6WFMQA/+8>(=?U^+7]>\Q<9WKJVIW:'/.(P.U`%+_@I
M#')9?LZ_L.^)+Q'/AC0/%_P[;Q!(5)MX5G\$Z;=6[7&.%4VFF:JH)'=A_%@@
M'[C030W$,-Q;R)+!/%'-!+&P:.2&5`\<D;*<,C(RD$<$$$4`?CQ^R$?[8_X*
M5?MS:_HK"3P]96=MHE]/;X:U.N)JVAVCQ%T^4S_;-#UT^N8I?4T`7_\`@DS;
MP+#^UM=+$BW,O[0.IV\LX4"5X+=-0D@B9^I2.2ZN64=C.Y_B-`&?\>E.C?\`
M!6_]E/6-;_=Z/JWPROM(T.XFXMQJ[6GQ2LEMHRWR_:#?ZE8@`<[K^'N10!^L
M'CXA?`OC1F(55\)^(RS,0JJ!H]X268D!0!U)Z4`?D3_P3S^*VG_`[_@FWXX^
M+&IV;ZC;>!O$WQ&UJ/3(W$+:E?J-%M]*T[SL'R%NM4N+.!I<-L68O@[<$`E^
M#?[-GQH_;>\$Z)\=?VEOVAOB+H7A?QZL^M^$_A!\)=23PGX>TGPY)<30:>+Z
M5X[F&5IXH1(J/:W-SY3QM->O*[)&`8_[&_PC\(?`O_@I-^T/\,?`IU8^'/#O
MP3TE[237=4;6-6FN-5N?AKJU_/>W[11F662]O9W`\M`JNJ@8&2!MY6/0/@G_
M`,I9_P!J/_LDNA?^DOPWH`U_^"Q__)IVD?\`97_!W_IG\5T`?IYX/_Y%+PM_
MV+NB?^FRUH`\R^$_[0_PF^-VM?$3PW\//$$NK:O\+M>_X1KQEIU]I6HZ-<V&
MHE[NW81V>KVUO/<V8NK&_MC.L7EF6TD4$C:6`/DG]MG]A3X#_%'X8_$'Q_I7
MA;1_A[\3_"OAC7?%^E^-/"UK!H0O;WP]IMQJ[6OB:RLEBM=3M;I+1XGNGC6Z
MA:19HY_D9)`/P.0_9:^*'C'XL?\`!,OQCKWCF_N=6UW1_AC\:/"/]M7LDDU]
MJ^F^'-`UNTTN[O;B5B]U=I9-%:23L6>5K(NY:1F)`.T_X)/?\F3_``]_[&+X
M@_\`J8ZM0!\]>'M>^.W_``47^*OQ=TWPW\8?$?P(_9G^%'B:7P5#:^`&%EXT
M\>:A%+<HUU>:M'*DD"3PV?VMEDD>WMXKVTA6TGF,TX`/'?CO^R7\-?V8OVG?
MV$IO!.L^//$.L>,_C9IZ^(=;\>^)U\0:A>)HGB/P0UGY"Q6%I%:@2ZI=LY2,
M[C*@)^49`/H;_@HQ_P`G.?\`!/O_`+*W+_ZD_@*@#]+/CO\`\D/^,G_9*OB'
M_P"HCK%`'YW_`+!'_*,:_P#^Q3^//_I9XMH`E_X)C6=[J'_!/N\T_3`QU&^O
MOB]9Z>J9WF]N6NX+0+CG=Y[QXQWH`^+O^"=?[-_Q2^+GP/UG5O`G[7GQ0^"D
M6B_$'7M%UKP!X0LWDL;34X[#1[D:K<[?$5B5N[RWGB5LP?\`+F!N.TA0#[+\
M0_\`!-?X@>--8\$WGQ-_;5^*/Q"MO!OBK3?%6A:/XK\/PWT":IID\5T[60NO
M%TGD7$EM;O&TJ(Y5"Q*D`B@#J/\`@J9X*U9?@_X%^/OA&)U\:?LW_$?P]XYL
M;B%2)%T*\U&QM-5B=DPXMUU6#P]<R8.!%:39&&-`?@>=V'BK2OVM?^"AGP5U
MW0F6_P#A[\!?@3I_Q5RDJS6\/B[XC6-M?Z9!,5RB7L$6L^''*<,LN@R@X,9`
M`/V#H`^"_!'[-WQ$\._M^_%K]I:^E\._\*Y\:_"W3O!VC0V^I7,GB-=7M8/`
M$<K7FF-8+#!:;O#6I8D6[D)#0_(-YV@;>5CSC]L;]A35OVC?VB?V??BKH\OA
M^#PYX2N]/TWXL6^I7,]MJ.H^&-#\1VNOZ=%I,$5E,FH7,T5UKEG(LTL&Q98"
M&8`A0#W+]O#X#^-_VCOV==>^%GP\DT.#Q+J/B#PKJ=LWB&_GTS3%M=&U6.]N
MQ)=6UE=.DGDH=BB$@G@D=:`.R^(O[.'ASXT_LVV/P#^(Q,*?\(9X6TDZOI16
M>XT'Q1X<TNRALM=TAYT03-;:A;,0DBH)X))87VK.V`#X?\/?#K_@JE\-/"-O
M\%?"?BSX$^*/"^DV,?AWPO\`%_7I=3B\6Z)X=AB%I8M-8S*PEOK*S$:0_:-.
MU5D\E%:>XVA@!MY6/L3]D#]E?1OV5_A[J&AG6I?&'C_QEJ\GBCXE>.;I)(Y_
M$7B&</A+9)I'EBTJT\Z<0B5VDDDNKJYE(DNF1`-O(\Z_84_9L^(O[.=M\=8O
MB#+X=D?XB_%C4?&OA_\`X1[4KG40FCW4<RQKJ!N-/M?LUYEUS$GF@<_.:`V\
MCL?VPOV3X/VE_#GA74/#GB9_A_\`%_X7ZT/$WPO\>P1NW]E:HLMK<2Z?J(@'
MG'3+BXL;&;S(MTEO/9PRHDJB6&<#\#Y:\3^`?^"CWQ0\$^(_A[\;O&?P>^''
MPSM?#>M'QOXX^&4=W/X]\=:/9:?--/I&G1W+_8]#BU**)HKNX6UTS;%+*%C9
M&:WD`V\CF_\`@G!\+M$^,O\`P3L\6?"WQ,;FUT/Q[XH^(^B3W=L%^U67VC^R
MA::I9A\))/9ZC;PW"*WRM):!6X)H`F^&'PN_X*>_`;P9:_`/P!/\!?$?@C0)
MKC3_``9\5?$EU>?VGX?T"YNYKA(VT3SEEG>W-Q*\,%SIFHB'(A\VXAC0*`==
M^SO^Q/\`'OX`?M6'XSWWQ.T#XJ>'_B)X)O\`3/C)XA\2?;;/QE-XFOUM=5N9
M?#NG16K6RZ8/$>DZ2ELSW2F*P\V`P*4CP`>R_#?]FSXB>$_V[?C9^T;J<OAW
M_A7OQ`\":9X<T&*UU*YE\0KJ%I!X0CE-_IK6"0V]ONT.]PZW4A(:+Y1N.T#;
MRL:'_!0?]G7X@?M-_`JP^'/PUE\/P^(+;Q_X?\2R-XDU&XTO3_[.TS3]=M;D
M+<6UC=N;GS=1MRJ>4`P#_,,#(!]H:!8S:9H.B:;<E#<:?I&FV,YC8M&9K2SA
M@E,;$`LF^-L$@9&.!0!^<GQ[_8S^*UC\:+K]IW]C[X@:1\./BKK-H+;Q[X1\
M1Q2'P5\0`OE"2YO%BM+J.*[N4@@-Q%/:M')-;QW<4UK=>9+,`>9^,_A/_P`%
M._VC=!N/A?\`%'Q-\#?@Y\.M=B73_&>J^`QJ>H^(=;TAB!>6,,+7E\QAND!5
MX([S2ED5C'+(8G>-@-O(^_/"O[._A+P!^SE/^SEX+FGTWP\?A_XC\%1:M<HD
M]_+=^)M,U&UU3Q%?K&$2>^N-1U.YO9$0(FZ3RT"HJA0#Y$_8+^#'[8'[."1_
M!CXDV'PJO/@9H1\4ZEHWB;0=3O;KQ=/JVK:@E]:P0PLT"_V9)<37T[B[L4FC
M\T()655``V^1P%K^S-^V!^RE\6OBAXC_`&0U^&OCSX6?%[6I/$M]X#^(=_/I
M5QX2UR::ZGWVLJ7EEY]O;R7US%%+!>LTMKY,5Q;-+;1S$#;Y'%_$+]B']MGX
MD^*?AE^T7XM^+?PZU[X\>`_'&CZYI'P]FAU#3?A3X0\-:1=V6JVFF:+-:Z?)
M/>ZC)JUJSWQEC4W,3QK]LDD@5R`?5G[6/[-'Q-^-WQ@_9-\>^%)?#$&E_!GQ
ML/$GC>/5-3N[&Y:U?5_"NH2+H<$6GW`O9/+T>]`262#DQ`M\Q(`/LOXG>'=0
M\7?#7XA>$])-NNJ>)_`_BSP[IC7<C0VJZAK6@:AIMF;F5$=HK<7%S'O=4<JN
M2%)&"`?+7[)/[-_C'X1?LAP_L_\`Q$O-'M_$=S8?$72M0OO#EW+JNG6MMXSU
M#6GMKBVGN;6T:>6*TU.-F1HD&]"N2.:`/$OV$O@;^V'^S)?+\&?'%I\*-6^`
M.GZCXJUBU\5Z1J-])XP>_P!30RV$=C:L\&RSN+](YI8KRR9X1-,J7#A4%`%'
MQ-^R3^TE^S_\8?''Q>_8D\5>"#X>^*-^-7\>?!7XCBYM_#IUIY[BZFU#0KJT
M"+'']JNKR2%5N=.EMA?S0"2XMMD40!H^#OV:OVLOC;\9?`'Q<_:\\;^$O#7A
MKX3ZF==\$?"+X0WNJP6-SX@7RVBU#7M5\_?Y!>.,3J;V_>XBB-J/LUO<3K*`
M?H-\6O"_AOQK\+OB'X2\8306OA;Q#X+\2:5KUY<[1!I^EW>DW<=WJ3LV`GV2
M(FY#\;3;ANU`'Y9_\$:OA,/"_P`%_'GQ4O%\^\^(_C#^Q=%OY(Y$>X\(^!(I
M=.LYH!,-\=O-K5]K*[.@%C$/X!@`_8Z@`H`*`"@`H`*`"@`H`\)_:%T'X\Z[
MX%MH_P!G/QEX7\%?$33?$%AJ@N/&6G?VAX>UO18+34(K_P`/7JKIU\]J+F>X
MLI5N(X-Z&TP'3?N`!\$^+/A[_P`%3/C3X=O_`(7>-/$W[/OPJ\(>(K6;2/%G
MC+P4=<N_$=[H5TODZC9Z;;N]T8OM=JTL3K'_`&:[I*Z?:85=L@'Z&_`7X+>%
M?V>_A/X/^$G@TSS:/X3L&A?4+Q8TOM9U2\GEOM8UJ^6$!$N;W4;BXG,:?+&K
MI$A*QK0!Z_0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`?FE^T%\+OV\
M?CKXD\:?"+3_`!/\(_AM^SCXHOVL+GQAI:ZK=_$F]\#SK;&]T:2T9Y(EO[D"
MZ@E6(6,<L4OEM<B-Y%D`V\C[U^&GP\\,?"7P#X2^&W@RS-AX9\&:)9:'I,#,
@'F:&TCQ)=W<H`\Z^NKAIKF>7`\R:XE?`W8H`[B@#_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>p10.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 p10.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`#,!OP,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/WLU;5M*T#2M3UW7=3T_1=$T73[W5M8UC5KRVT[2M)TK3K:
M2\U#4]3U"\DCM[#3[6TAFGFN)Y$CBCB=W954D`'G_@'XP^"/B3JOB'0O#)\8
M6FM^%=/\/ZMK>C>-?AG\2_AEJMKI7BJY\16?A_4[?3_B3X1T&XU+3[R[\)^(
MX$N+*.XC632)TD9&"A@#U"@`H`X_PGX\\,^-;GQC9^';K4);OP#XPO?`?BNT
MU/P_XA\.W.F>)K'2M&UV2UC@\1:58OJ>GSZ)XAT/4+35;!;K3KZUU2WN+*ZN
M(9`]`'84`%`&?J>K:5HEM'>:QJ>GZ1:3:AI.DPW6IWEM86TNJZ_JMEH6A:9'
M/=21H^H:EK>I:?I]I;JQDN;J_M[>%7FG1&`.?\?^//#/PP\&^(?'_C.ZU"P\
M*>%-/?5O$&H:9X?\0^)[G3-*ADC6[U.31O"NE:CJ4NGVD3FYN[B&SDCL[6"X
MO+IHK6UGFB`.PH`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`./^(5SI5EX!\<7FN^$M0\?:):>#_$USK'@32=!MO%6J^-=*@T6]EU#PEIG
MA>\9;?Q'J&L6B3:?#I<[".\DO$MW(68T`?&%Q-\0M9\.:Y<>#-2^/^L_#OX:
M_$#]G3QQX/U?QCHGQ,^'_P`4_P"SM#^*<S_'SX<2^'+_`$#PKXQ^,_P_T;X$
MV6DS6</B71/&.J^)M1\2ZM`=6\4>(K*WM]%`V\CP_P`-ZM=MXH^%]AXHU/\`
M;/M_!4VG_MFV'BO0[*]_:7L/&6H^"/"G[1?P_P!7^`FMZMX>UB2+XF:OI]GX
M1^)_ANS7Q-X#M9_$KK?V>C^(;]_#.B^)K+3@-O(T-<?XXVNN^(-,UO5_C_/\
M;;C]D#]GKQ3I>B>"/$>K:I\.-*_;'U6S^-'AO3K[Q7H7@O49]*\+>'[_`,0>
M"K=+N$V]C\(KI-*U.[\<1R7,V@3S`!\0V^-FK_%WXQ6_PVNOC!\/_#]Q\8/$
M&MV6NZ;\#OB[JG_"2?$6T^"?[,WP]^$\V@"V\2_#_2M?\/\`_"0?#_XXPOJO
MB[6]4^%B_P!E:;/XVMI-/U_PO?R@'82P>.;OXS>-;"R\4?M7Z5X$UW]J^T\#
MZI:1:!\89/#VF_"/QA^S_<7OB:]\%>(->\&W=UHO@_6?VC_",.BR^+/#^J1P
M>"M,\JZ\(ZGX,TWQ9/JOB``Y_P"#NL?M`>,]?T'QA\8]=^.&DZ/=?"_2X_&G
M@_3_`(-_&;PKJM[X/M?V>M,L/B/>#4O#_BGP]HOA'QA_PTQ'XRDTNR\(>`;W
MXL7,EGH\V@79^'>K6T]D`>?V>G_$;Q#\&?"'AKXDC]J_Q4MOX/\`V%/BWKLV
MI^&/C]IWC*U\?>&/V@+CP=^TAIT5[X,\-Z5K#ZAX=\":3X.O+3P]%YM[=+H5
MO\0M-@U/Q#/J/BZ^`.@^,NO?&.SU7]I_PIJVE_'#Q#HWQ0^!_P"U#X2TWP=I
M/P=^.7Q%TJR\927.BZ!^STNF>.?#6EZKX`CT_P`1>`-6\2WD,/@O0_"2Z5'<
M)IWQ&O\`Q#XLTO\`MD@;>1^K^DZG;:UI6F:Q9QZA#::MI]EJ=K#JVDZKH&JQ
M6U_;1W4$>IZ%KME9ZEHNH+%*JS6&H6EK=6T@>&XABFC=%`-"@`H`*`"@`H`*
M`"@`H`*`"@`H`*`"@`H`*`"@`H`*`,_5M3MM%TK4]8O(]0FM-)T^]U.ZATG2
M=5U_59;:PMI+J>/3-"T*RO-2UK4&BB98;#3[2ZNKF0I#;PRS2(C`'/\`P]\:
MZ5\2O`/@?XC:%;ZA::)X^\'^&?&NC6NK16T&JVVE>*M%LM=T^WU."SN[JWAU
M".TOX4F2"YN(UD5PDLB@.P!XAX>_:F\->+O"NC^,O"/@#X@>)="\<>((O#GP
M<N='O_A//_PNF\73O&.O:H_@YI/BE''X4_LGPSX#\3ZKJ%I\19/`U_:_V<^E
MM9G7U?2$`V\@N_VK/!-KIU[JUKX2^(&IZ?X0\/ZIXI^,,]C:>$(O^%':%H'B
MKQUX*\27WCJ+4O&=I)XE_LOQ/\*_BG9S0_#I/',TW_"`7TUC'=V^IZ'+KH!]
M/T`>?_%7XD:%\'_AQXT^*'B>S\07_A_P+X?U#Q'JUEX6T2\\0:[/9Z?$9)$L
M=,LE^AEN[N6TL+*$2WNI7EEI]I<W=L`:'CSQKI7P\\,W7B;5K?4+V*/4/#^A
MZ9I.DQ6TNJZ]XF\7^(=*\(>$/#>F&^N[2QM]0UGQ7KNC:7#<ZE>Z?IUO)J23
MZC>V5C#<75N`>/Q_M(:?<W*>&])^%OQ0UCXHV^H>(;/7?@]9/\+[;QEX7MO"
M^E>`-=UC5M6U_5OB;9>!+O3X]'^+7PJNU31_&.JW4B^/[.-+8SZ7KD6A`!IG
M[4'@#7KG1[[PUI'C#7_A[JFH?#70[KXL66GZ+8^#=!\3?&'2O!6L_#7PWJVB
MZYX@L/&TNH:Y8_$WX9LMSIGA#4=.LV\=6:ZE>V1TW6O[$`/I"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`/G_`%JR\"7'[37@-M4\-_$!
M/B-9_!_Q[K/@OQC;^-=8L_APWA73O%'@_0_'OA.Y\%:;X_CM+WQ`^H>,/`FI
M3S:KX/EMKI+31)HM3FO?#-K%I0!Z!IWPQ\(:3\1_$?Q8LH?$"^-O%?A_2/"V
MN75QXV\;7NA7&A:!*]QHEC:^";[Q#-X;TK[#<W.ISP36&D6TT<VOZW,L@EUW
M4GO@#T"@#G[GQ3H5EXJT;P5<7WE^)M?\/^)?%.D:9]EO&^UZ%X/U'PGI/B.^
M^V1VYM+?[)J'CGPM%Y,T\<TW]J;X(Y4MKAK<`T-)O+G4=*TS4+S2=0T"[O\`
M3[*\NM"U:32IM5T6YNK:.>?2=3FT+4]1TV74+.5VMYGT_4+^U:2%S;W,\)25
MP#0H`*`"@`H`*`"@#G_%GBG0O`WA7Q+XU\4WW]E^&/!_A_6?%/B/4_LMY>_V
M=H7A_3KG5M7OOL6G6\]W=_9]/M+B7R;6"::3R]D4;NRJ0#H*`"@#R_QK\;O@
MO\--5M]"^(WQ>^%_@#6[O3XM6M=&\:^/_"GA75;G2I[F[LX-3M]/UW5K6XFT
M^2[L+Z!+A(S&TEE.@8M"X4`]`TG5M*U[2M,UW0M3T_6M$UK3[+5M&UC2;RVU
M'2M6TK4;:.\T_4],U"SDDM[_`$^ZM)H9X;B"1XY8Y4=&96!(!H4`?*'[37[1
M.J_!74/A5X-\'Z3X/U?X@_%CQAX>TGPY8^/?%%SX3\/7^E'XH?"CP#XETS3K
MO2],U/4K_P`821?%33;NUM[73;B.STS2O$6O7"W@\.1Z)XA`/3[;XIZC)\4_
M`_PTOOA]X@\/_P#"8_!_Q9\4WUO6M6\*R?V-J/A3Q%\.-`U'X?3:;X<UK5_M
MGB"R_P"%A6L^H7\-T-*CV6<>EWNL_:;Q]&`V\CC_`(L_'C5?ASJOC>'1_!6G
M^(]$^$'POTWXS?%S4-2\77/AK5=/\`ZK<_$!;9/ASHUKX2UFW\<>,%M/A7XW
MEDTS6=3\&V2R'0XEU9UU*[FT4`Y#Q'^U;_PAEGK/CCQ+X"V?"*U\0?''P=H>
MNZ%XI_M/XCZCXJ_9^T+XL:]XYBU7X>W_`(=TS1=%\/W<'P-^(\6DZA;^.-4N
M;EW\-F\T_3QJU_\`\(\`>O\`P\^(7BK7/%7BWX?_`!`\)>'_``EXV\)>'_!G
MC&:'P=XSU'Q[X5O/"OC[4?'&B:!+%K^M>!_!]_%X@35OAQXK6\T]M#:VAMFT
MF:'4+J6]N;;2P#V"@#/U;5M*T#2M3UW7=3T_1=$T73[W5M8UC5KRVT[2M)TK
M3K:2\U#4]3U"\DCM[#3[6TAFGFN)Y$CBCB=W954D`'/^&/B%X!\:W.H6?@SQ
MQX/\6W>DZ?X;U;5+3PQXET77KG3-*\9:4-=\(ZGJ$&E7L[V>GZYHC#4--N)E
M2.^M2+BU:6$[Z`.PH`S]6O+G3=*U/4+/2=0U^[L-/O;RUT+29-*AU76KFUMI
M)X-)TR;7=3T[38M0O)8UMX7U#4+"U629#<7,$(>5`#Y0^#_C+Q%\(?@_^S!\
M(O%7PF^($OQ&D^#\WAJ\\+:%J7PLU6\T;4?@G\/]/MM3N=5N(OB6EI!X?\0:
MA9:;I^DZ]%<3:5;W_B[PW8>([WP_>ZY:02@;>5CG]8\#?$S4?B!H7[0=I\-O
M$&E0:3\0/"GB.\^`]OKGP]_X6!J__"/_``@^/?PBU/Q]<W<7C:+P"/B!K#_%
MSP59SV[^+IO^*/\`@WHDDFMSZFUIX4T0#8\ON/@C\8;#PI\>-"@^'VH:E=_M
M2_"_XB>"K"2P\0^!H[;X/:KX^^-'[5_Q&L;CXNOJ7BNT>33]/T3]I/PO!?/X
M`C\>R"Z\(>*$LXKR&+1Y_$(!]W^.O!OB+Q;_`&7_`,(_\6/B!\+O[/\`MWVO
M_A!=-^%FH?VY]K^R>1_:G_"R_AIXM\G[']FF\C^S?[/W?VA<?:?M&V#[,`>7
M_&[P5XWNOV7/B]\.="N/&'QF\=^*/A?X_P#!6C76K2_#30?$VO:KXYTS5M"T
M^XU.>SM/!/A.PT_25UR%YG@MK&0Z=HSE(K_4F"7X!@?%[Q+K7C]=)^%NA_#W
MQ@GC+3=/^"/[2%_875[X!>VT[3_AS\>?`'C"_P#A;JM_IOCB[M]%^*&LVGA'
MQ#9Z"VHO:>%]8NM%U46GB=[;0M8N=*`V\CS_`$/PG\5?#/QAUK]HI_A!XPU6
MT\8ZA\3+(?"O2O$'PH'Q0\-VWBWP-^R-X3TK5O$$FJ?$BR\$OI_V[]FCQ7/*
MFD>--6NDM_%WA<BV::75X?#P!Q_P\^`GQ8^'_@G1/@C>^%/[8^V_$#]D#XA7
MOQ0T+7?#1^'&@V?[//A#]F#1?&.@ZK!K.L:=XSF\0:C>_L\^)?[)&F>#M1L)
MD\5^&VO;_3_,U8:``?H_0`4`<_XI\6>%?`NA7WBCQKXE\/\`@[PQI?V7^TO$
M7BG6=.\/:%IWVZ\M].L_MVKZM<V]I9_:-0N[2VB\V5/,FNHHDR\BJP`:!XL\
M*^*_[;_X1;Q+X?\`$G_"->(-2\)^(_[`UG3M8_L#Q5HWD_VOX:UO^SKF;^RO
M$%C]IM_M.G77E7,'GQ^;&N]<@'04`%`!0!\@>(?VK?\`A#]1\:7_`(B\!?\`
M%$^#_P#A<L5Q#H/BG^U?C)8?\*.\*ZAXO\4^(?&'PFOO#NFV'A#X?ZII%CI$
MNA^(6\97_P!NC^+'PKFN+.QB\>1-I8&WD>O_``\^(7BK7/%7BWX?_$#PEX?\
M)>-O"7A_P9XQFA\'>,]1\>^%;SPKX^U'QQHF@2Q:_K7@?P??Q>($U;X<>*UO
M-/;0VMH;9M)FAU"ZEO;FVTL`]@H`*`,_5M6TK0-*U/7==U/3]%T31=/O=6UC
M6-6O+;3M*TG2M.MI+S4-3U/4+R2.WL-/M;2&:>:XGD2.*.)W=E520`>?^"OC
M=\%_B5JMQH7PY^+WPO\`'VMVFGRZM=:-X*\?^%/%6JVVE07-I9SZG<:?H6K7
M5Q#I\=W?V,#W#QB-9+R!"P:9`P!ZA0`4`?('[+'[2VN_M'R^/_$-KX3\/V_P
MRLO$%A:^`/%7AKQ99Z[>6]G=_#CX6^-Y/"WQ+TY_)_LSX@1_\+$99XM!;5[#
M3[_0O$N@7\\,_AS3M6\<@&?X0_:QU7XKZU=>&_A!\-M/U;5+C4-?U3PI=_$3
MQW<^!/#WB?X7Z!X!^`'C>/Q[]M\.^!O&&I:)J&N1?M&^!9=(\.WFC"X.F17M
MUK5SH>K0G0``:'AS]JW_`(3"ST;QQX:\!;OA%<^(/@=X.UO7=<\4_P!E_$?3
M?%7[06A?"?7O`T6E?#VP\.ZEHNL^'[6#XY?#B+5M0N/'&EW-LZ>)#9Z?J`TF
MP_X2$`^OZ`.?\66MG>^%?$MEJ/A;_A.=/N_#^LVM]X*^SZ%=_P#"86<^G7,5
MSX6^R>*;ZRT6Y_M6!WL/*U>\M+!_M>V\GAMS)(@!^8'PB_93^('AN\_9JU:_
M\'_$#PE>^$/A_P#!33M<M+3QK\(+F7PG\1_AOKNJV_QE\1^-/&NL6_C;Q5:^
M'_'/P_L/`OAK1K#X6ZK&^N>&_"NF>!_%[>&/#.E:4FA@?@<_JG[.GQ=DB\#^
M']&^#/Q`\/:[9?!^^\`?'CXG:+XO^"<VA?&3Q4OQ'_9V\;?$;QKI/A[Q'\1M
M0C\7>(/BAX9^$7Q'T.ZUCQ_X*LKGQ--XP\):=\085T&&^?PV!^!T'C']FSX@
M-IW@^T\,_"/X@7GB;PW^S!^TSX;\*^/+SQ[\(-.UCPO\0/%7BK3O'O[-7A#Q
M'<^#M=\&VD?_``@>H>'KJ31=%T#PWJ/@_P``Z[K7A63POJ%RGAL>)M*`#QQ\
M+M1M/%OPXTW6?@+X@U7P_+^T_;:]\.?"_B[Q[X5GUC6OA[XQ_8>\6:I\:/AE
M%XFM?'6O7-WX@U3XF^`/&&J^+=$\4:E9^&?B!KNLH^O:_J6G^)-9UJT`/4-#
M^`E]HWBWX3>+?%G[/VG^/;'2_A?^U_X6N]$BM?A'JNJ^`O"7Q$^(FD>-/@=\
M&[R/Q9XIL-/.GZ7\)[KQG\,[;3/#]]JOAW1Y/$5_I<-Y%X6U*XU20#;Y'G_P
M9^`_Q5TCP]\+M.\6?!74-&^*6@ZA^S3_`&!\8M3UGX4:C<_![X:?!SPS\&O"
MWQ4^%,?BC1O'.H>+-*T_QDWPX^,-Q::+X1T_5=#U&U^.-N-<N-.GUWQ3;Z&!
M^!Z!^S/\*O&_PQ\<^&+^V^"7C#X9>%-<U#]K+3_%NE/XJ^&D^B^']*\4_&'P
MM\3_`-G</X<\+_%'5[/3_!^C>#;SQ]X?T[1?#-K/'HFO^)?%5RFFV]KXKU#7
M=8`V\K'Z'T`>/_'KPMKOC/X3^*_#'AVQ_M2]U3^PDO=)2ZL[:\U?PU;^)='O
M?&.D:1'K-Q#H.J>(+[PE;:W:Z=I'BXS>$]4O[FTTWQ=;W7AF^U:VG`/S0'P!
M^,VK:+IUE)\`_BAI_C+P/\#_`-L'P-X!^(>L^,_V?]!U"#6O$?CZT^(?[(EA
M>CX7_%FWMX=/\$6FC)!H^EVVAV^@>#/%$^A:AX<L=/MM&MM7T,`]@A^$'BN'
MQOK#>+OV:?&'Q/\`@/8:AJNL^$_A!XJ\1?!?Q^\?B'XB_#3]GB;_`(2J?1_B
M7\7Y-'NO&'AGQWX"_:"7Q'K]_J\NIWNL_&Z\U;2;OQ%'XM\3:I9@?@9_BG]G
MOXF>%8O!&L3_``K_`.%V^/9O#_[!U[XQ\8^$]5^'KZZOQ3_93^(^IZQ\3_B!
MKGB'XM^)_"6HZOX@\4?#GQ#+X>T378'O]1O(;*^T_6SH]@]NUX`>?_\`#-?Q
M`E^&?Q%\&Z+^SAX@\.:?\1OA_P#MS^')?!NK>)_A!<^'-*UWQ3\0M$^*O[(;
MC0K+XJ:GHN@>'_#D$WB;2M#M-!C\GPOXJUOQ%JD=G8V_B._\1:H`?J_X3M;.
MR\*^&K+3O"W_``@VGVGA_1K6Q\%?9]"M/^$/L[?3K:*U\+?9/"U]>Z+:_P!E
M0(EAY6D7EW8)]DVV<\UNL<C@'04`>7^-?A#X4\?ZK;ZQKNK?%"PN[;3XM,CA
M\%?&[XT?#72FMH;F[NDDN-"^'/C_`$/3;O4#+>3*]_/:274D:00O,T-K`D(!
MZ!I.F6VBZ5IFC6<FH36FDZ?9:9:S:MJVJZ_JLMM86T=K!)J>NZ[>WFI:UJ#1
M1*TU_J%W=75S(7FN)I9I'=@#0H`^8/VK?`GQ'^(OP_T?PKX&\(_#_P"(6D7?
MQ`^%=]XU\"^/=0ET&SUG0O#/Q?\`ASXTN[A];ETW6;";P_'I/AG7+'6-$NM`
MO9KVPUZ2]L)9KO0X_#WB\`/#?PO^*?AGXC_L_7]YJWA_QSX8^%OP`\5?";QK
M\0/$?BKQ%9?$?Q9XJ\3R_"R]N_%Z>%)?#&L6E]Y^H?"#3);A[_QDMS*_C:_F
M9W?1(QKX'X'E^L^`/C1\:?#/CGQ#+X.\'^`Y/VDO@?%\#?'.C>)/&/BN+5?A
M=X9T/Q#\:K/P_P#$?PQIT_PNM;[Q]J&N^%/B\==/@_Q/9_#'4=+DT>TTK5)[
M>^O[T>'P`\9_LO\`C[QYX>UKX3:AJ_@_0/AZGC#]ICQ]H7Q"LM0UK7/&6H:K
M^T?X9^/F@S>'M6^&4_A_3--T;3_#DO[0VL2KJUOXXU234U\!V:G3M./B.4^'
M0-OD>_\`PX\)>/D\?>.OBC\1M.\'^&M;\5^#_ASX!M?"G@KQ7K7CK2K72OAU
MK7Q.\10>(;CQ5KO@CPA.=0U.[^*=]9OI*:$8[2/PU!<C4;IM5>VTL#8]PH`S
M]6DU6'2M3FT*RT_4=;BT^]DT;3M6U.YT72K_`%6.VD;3[+4]8L])U2?2=/FN
MQ#%->0:9J,D$;O*EI<L@AD`/G_\`9M^''C[X5>'M?\+^,]'^%]C:76H:-XDT
MK4/AQ=ZTIFU76?#.DKXO\,7VC:KX:L$T[P?X0UNR/A7P,8;^]DM_`6@^#]#N
MK>TF\,>=J8&WD>@>-?A#X4\?ZK;ZQKNK?%"PN[;3XM,CA\%?&[XT?#72FMH;
MF[NDDN-"^'/C_0]-N]0,MY,KW\]I)=21I!"\S0VL"0@''_\`#-/PZ_Z&/]H#
M_P`2Q_:G_P#GR4`'_#-/PZ_Z&/\`:`_\2Q_:G_\`GR4`'_#-/PZ_Z&/]H#_Q
M+']J?_Y\E`!_PS3\.O\`H8_V@/\`Q+']J?\`^?)0`?\`#-/PZ_Z&/]H#_P`2
MQ_:G_P#GR4`'_#-/PZ_Z&/\`:`_\2Q_:G_\`GR4`'_#-/PZ_Z&/]H#_Q+']J
M?_Y\E`!_PS3\.O\`H8_V@/\`Q+']J?\`^?)0`?\`#-/PZ_Z&/]H#_P`2Q_:G
M_P#GR4`'_#-/PZ_Z&/\`:`_\2Q_:G_\`GR4`>H>"O`^B^`-*N-&T*]\87UI<
MZA+J<DWC7XA>/OB5JJW,UM:6KQV^N_$;Q-KFI6FGB*RA9+""[CM8Y'GF2%9K
MJ=Y@#/\`BKIOBK6/AQXTT3P5H'P_\4>)M;\/W^BZ9H'Q5FU&+X<:E_:\1TV]
MA\:0Z3HFJW>J>'UT^ZNY+C2HK,?VDD7]GO<V*7C7MH`<_P#`[P=XJ^'G@1?!
M'BF+P_)_PC/B#Q+8^'-?T;6-1UC6/&OA6XUBZU+2/'7Q)FU'P]I6WXP:[]NN
M+_Q9<6IU"VU+79]2UF*Z7^V6LM/`/8*`"@#/U:358=*U.;0K+3]1UN+3[V31
MM.U;4[G1=*O]5CMI&T^RU/6+/2=4GTG3YKL0Q37D&F:C)!&[RI:7+((9`#XP
M\9_LZ_%/QYJ/Q4T74?%7A_0M(^(_A_XO>%=9^*5MKGB+Q!XJ\6>!/B%X5\5^
M'O`?POUGX,W6B:;X;\,>'_AU<^)=%OM,UK2O%MW>75SX,UZZ2TTR[^,/C*=@
M-OD>W_#CPEX^3Q]XZ^*/Q&T[P?X:UOQ7X/\`ASX!M?"G@KQ7K7CK2K72OAUK
M7Q.\10>(;CQ5KO@CPA.=0U.[^*=]9OI*:$8[2/PU!<C4;IM5>VTL#8]PH`*`
M,_5M,MM:TK4]&O)-0AM-6T^]TRZFTG5M5T#58K:_MI+6>33-=T*]L]2T74%B
ME9H;_3[NUNK:0)-;S131HZ@'G_@KX0^%/`&JW&L:%JWQ0OKNYT^73)(?&OQN
M^-'Q*TI;::YM+IY+?0OB-X_US3;34!+90JE_!:1W4<;SPI,L-U.DP!ZA0`4`
M?GAH/[+_`,4/''Q#_:&UKXKZOI_P^TKXB:AIVC7&M?"._P!/GN?C!I6G^$OV
M<+73-8\0>&/&?A_6M-TGP?ITOPB\<:2/!GBR+QK'):_'+XA:$TDNDYUKQ\!^
M!T'AK]G?XV_#+XP^,_C/H7CG3_C1JFNZAXGTK3?#?Q6\1Z'\.XSX>\7^!OV<
MM+U+Q?J'B7X7?`69+;QA;:W\!8='_L.#P_/IEUHTFBWZ7NG:M::M'XD`#P9^
MR_X^\`^'M%^$VG:OX/UWX>MXP_9G\?:[\0KS4-:T+QEIVJ_LX^&?@'H,/A[2
M?AE!X?U/3=9T_P`22_L\Z/*VK7'CC2Y-,7QY>J-.U$^'(CXC`/N^@#/U;4[;
M1=*U/6+R/4)K32=/O=3NH=)TG5=?U66VL+:2ZGCTS0M"LKS4M:U!HHF6&PT^
MTNKJYD*0V\,LTB(P!X?X<_:C^!/BS0G\3>'O'/V_0F\/Z=XETG41X9\8VL7B
M[3M3O-(TB.V^'J7GAZ&3XD>(+;Q/XA\/>&;_`$+PJFL:KIOB3Q!I?AK4;*UU
M_4;;3IP#0B_:-^#TOB'P5X4B\3ZA_P`)%\1=/N[_`,%Z2?!GCF.YUR32?$UO
MX0\4Z)!O\-*EMXP\*ZW.X\4>&;EX-9\*VMAJ.H^([#2].TN^NK0`T+[X]?"?
M2OB/<?"35O%?]C^/[;_A%G.AZOH7B72HKBS\:RW5CX8U?3M;U#1X=*U7P_?>
M(+>/PVNKV5]/81^)-5TCPS-<1^(-;TW3;X`\0^+/QN_9TO?!OB?XM7W@;3_B
MKXB^`_@_Q%\5_AJ?$?PH\4"YUB/19-*N4\6_!;QGX@^'MVFM>#VUN+P5+?\`
MQ`\#_P!M:-I%KJ>@:YJ-[%ITUC=3`'O^D_&3X=ZUXFTSP=9ZQJ$/B+5M/LKR
MUL-6\+>+=`CBU"_\/1^,(/!FIW^NZ%9V>B_%!?!LJ^(IO`6H7%KXHMM&#ZM<
M:1%IT;W*@'J%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`
M%`!0`4`%`'S?K^F6T/[7?PGUA)-0-W??LX?M!Z9-#)JVJRZ5';:3\3OV9+JU
MDLM"FO6TW3=0DEUJ\6YO[2T@NKV.&PAO)IX=+L4LP-O(\`_:?TG2M8U7]K37
M=7TS3]4UOX._L8>%/B%\(]8U*RMK[5?A9X^NKG]JJ\N?''PYU"YC>X\$>,)K
MOP)X(GDUG1I+*]>3P;H;M.6TFT-N`>'_`!C_`.*7^#^N_&+PS_Q3OQ=UWXP?
M\%#?">M_%/0O^)1\1]9\*^`_A_\`MSS^!O#6J^.-/\K6M0\/^'9_AI\.)-)T
MZXO9+;3G^'_AMK..$Z'8&U`/N#X5^$_"OPZ^/OQ?\"_#_P`,^'_`G@F#X/\`
MP!\60^#O!VC:=X8\*P^*O$/C3]I#1]?\2Q>'M$MK:PC\0:GI'A+PI8WFHK;B
MYN;;PSI,$TCQ:=;+"`?3]`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`
M4`%`!0`4`9^K:G;:+I6IZQ>1ZA-::3I][J=U#I.DZKK^JRVUA;274\>F:%H5
ME>:EK6H-%$RPV&GVEU=7,A2&WAEFD1&`/S@^#_[,.J_%7]G3X-6GQ1\0ZA)+
MX3^!_@OP1X4\%_$#X.W/AZ^\,:KI'BCX/>/?%7A3XQ^%O$,NF'XE^#[7XA?`
MCPGH=E9V>D^#)+WPBFHPW.K:Y?:Y;>*H0/P/I#P/^S_KO@/QM\)]>T7Q5\/]
M.\)?#GX?_%#P;J'@?PW\'+/P99W]Y\7/%^@>._$EWX0;PQXRM-*\$>'[#Q!X
M.\)PZ7IESH/B&_%A;ZJ-8UK6M7U<ZS9@;>5C/^(_[/WC[QMXY\>^+M,^)W@_
M0;3Q+I_[.\?AK2;[X6:UKESX>U7]G/XPM\9?#EYKFJ6_Q9TM/%&GZIK>L^,+
M&]LK6QT&06NH:/Y%W'-I%U)KH!SX_9-U6Z\`ZI\.=7^).GSZ)HG[.'Q$_9?^
M$=UIO@2YTW5?"_@'XA:+X1T*YU?XC3W/CF^M_B1XPL[3X=^"'CNM&MO`EE))
M%KA;3U75;1-"`_`[#PY^S;9Z3\:G^-^K7?P_U3Q;JG]G:_XDUJU^$6A6WC:X
M\;6_PQTCX3WUIX6\?ZYK&MZKX*^#\_A_2(]3C\(V1FU>/5[FZDF\776D7U[H
MM\`?3]`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4
M`%`''WGP]\`ZAXRTGXC:AX'\'WWQ"T#3Y-)T+QW>>&=%N?&6BZ5/'J<4VF:3
MXGGLFU+3=/DBUK6$:WM[F.-EU:]!4BZEW@'G_A']G'X+^$/#/P[\,1?#SP?K
ML7PKU#5-<\#:KXD\)>%+_5?#'B;7_$/_``E_B'Q)X8$&AVUCX*U#4/%9&JFV
M\,66B:=920VD&EV5A8Z?96MH`>@67P]\`Z;XRU;XC:=X'\'V'Q"U_3X])UWQ
MW9>&=%M?&6M:5#'ID4.F:MXG@LEU+4=/2+1='1;>XN9(U72;,!0+6+8`'@KX
M>^`?AII5QH7PY\#^#_`&B7>H2ZM=:-X*\,Z+X5TJYU6>VM+.?4[C3]"LK6WF
MU"2TL+&![AXS(T=E`A8K"@4`["@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
5@`H`*`"@`H`*`"@`H`*`"@`H`__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>p11.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 p11.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`"(!O0,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W,\>>-=*^'GAFZ\3:M;ZA>Q1ZAX?T/3-)TF*VEU77O$WB_
MQ#I7A#PAX;TPWUW:6-OJ&L^*]=T;2X;G4KW3].MY-22?4;VRL8;BZMP#/^'O
MCC4?&]GKTVK?#CX@?##4/#_B`Z!<:)\0K;PK'>:AG0M"U^+6]!U+P5XL\1Z+
MKGA^2#7X[/[99:K+Y=_I>J64R17%A*@`V\K'H%`!0!Y_\,?B%9_$_P`(0^+;
M+0?$'A?'B#QMX6U#P]XI&A#7=&UWX?\`C;Q#X`\26-\_AC7=:TJ;R_$'AG4Q
M%-8:I>PRP^5*LG[PJH!Z!0`4`<_K/BG0O#VH^$])U>^^QZAXX\07/A;PM;_9
M;R?^T]=M/"OB;QK<6/FVMO)'9;?#/@_Q'>>==O;PG^SO)60W%Q!%,`<_\1?B
M%9_#73O#FK:CH/B#6M/U_P"('@'X>S3Z`-";_A'KSXC^*M,\%:!KVMQ:UKNF
MR2>'T\3:WHMG<G2DU._C_M2.9+"6WAN9;8`]`H`S]6O+G3=*U/4+/2=0U^[L
M-/O;RUT+29-*AU76KFUMI)X-)TR;7=3T[38M0O)8UMX7U#4+"U629#<7,$(>
M5`#G_A[XUTKXE>`?`_Q&T*WU"TT3Q]X/\,^-=&M=6BMH-5MM*\5:+9:[I]OJ
M<%G=W5O#J$=I?PI,D%S<1K(KA)9%`=@#L*`"@#C_``OXUTKQII7@WQ+X3M]0
MUGP;XY\'P^-=#\8116UAI0TK4;;0+_P];WFFZM=VFNV^H:SI6NR7ML@TAXX8
M]$OX]1EL;EK*#4`#L*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`"@#/U:RN=1TK4].L]6U#0+N_T^]LK77=)CTJ;5=%N;JVD@@U;3(=
M=TS4=-EU"SE=;B%-0T^_M6DA07%M/"7B<`^0-)\?^,M%_P"">&F?%*S\0ZA-
M\0M)_8PLO']KXKU9X]?U67QE8?`^/Q%!XAU.378[Q-:U!M;B6\F;4$NEN9"Y
MN%E$CA@#S_Q)9ZAX:^/WAS]GC2?&?Q0C^%OC+4/A+J>NV5Y\6_BAJWC)KGQ!
M\.?VXO$>L1Z3\5]6\77/COPUI]UK'P`^%4[6&C^)+"U"Z!>PI"L'B+7(M8`/
M+Y_%_C;4?!?[3FK7/CSX@1ZA^S!\'_BIXI^#L]CX\\7Z7_9VN^"?C[^VMX*\
M.7WCJ+3-:MX_C+Y'AGX!_"RSFA^(B>*H;W^PKZ:^CN;CQ%KDNL`'Z/\`CKXE
M^'/AW_9?]OZ;\0+_`/MC[=]D_P"$%^$_Q3^*'D_V?]D\_P#M3_A6?@W7O[#W
M_;H?(_M+[)]IV7'V;S?LEQY(!Y!\8?%,7B[X<>!]:\.WWQ`L=,\0?$#3=/E^
M'EK:_$?X)_%CXKV8B\2:?<>!/"US=6_AKQGX"\06M[:IXUCO&.A6%WIOP^ND
MU_5]&\$ZKK?B'3`#Y/U/Q'XMN/AW\:?$!^*?C#4]4^`G[*%O\9/AE/X>\;_$
M/1;;PAX^OO%O[4\S^%?'UK>3Z)J7QAU#P7%\)O`'@K4;?XNZ)>7MY=?#[5IM
M?T+3]6\1>)+&Y`/8/!NL^(?^$R^%?CN3Q5XPN=;^(_[5_P"TW\&_%MC>>+_$
MU[X-N?AY\-X_VJ8_!FCZ3\.;O59/"?A74+!?@S\.RVN:'HNFZO=MI%ZU[?7+
M:]K!U0`^[Z`"@`H`*`"@`H`*`"@`H`*`//\`XI3ZC;^!-=CTWX9_\+A^W_V9
MHFK?#?[?X5T[_A)O"NOZQI^B>,X=WC>[M-!O_LOA+4-;O_[*U6[L[;4_[/\`
M[.>YM_MPFC`/D"[^#OB_5-,\%^+_`!'\*/$'C72/A[\8/&6K>%OA+\0_$W@G
MXB_&JV^!WQ"_9]USX2>-OAYJGCCQUX^U;1/$W]M?%;Q#J'BZ[T[6OB1J%I)X
M8ATZT-T+O1].\,V(!\P>%_@9XOE^U^!D^!']G_%VS_8@_9D\"G6)O%G@FSU'
MX2?'C1_^&@OAGX(^/^I6VD>([G1=9_L.#P3975EX^T+4M7\>^&]*M-*L/#^C
M3'6M9L](`/;],^%%SJ'Q^^.\_@7X6Z?9:E9?M7_"+Q/IGQ:TS7M*T^V^'%M8
M?#G]FGXC?'?3Y/#=S<6E]X5U#XE^%+O7M&N]8\%66LW7C.Z\37&F^.3IVC:1
M97]T!^!S_@7X$_&;6?BEX:\;>+/`_P`4/!%CI'Q0\6>)?"6G#Q?^S_%;>#K;
M7/VG/B[\</&>M^)-<LV\=>(_#FG^,?AI\1/!7A&XTSX:7MG=>*;KP9K7AOQE
M/I_A;^Q]?D`_`X^U_9N^)EGX0URS\'_`CX@?#[4-2\/_`+;\WA_0[/XE?#W1
M=)\->.]=\;67Q)_8UU)M&\*_&6XT6P\/^$8-6\56OAO3=.BN+/P?XXU#4O$U
MII^FW%^?%ER`=!XC_9S^*.O^$/VJ=1UCX:_$#Q9XM^+_`,/_`(O6-AX7\1^(
M_P!G8:%K&N_$?QM;>)/@-;H+)8]5\5>(/A!X?&FV%SK?C[QQ)#X-F\/W^G?#
M*+Q!I&JV]Q9`?@>@67P4\1-\1?A_J=]^S_X@O_"7@']I_P`*?$SP:_B[7?A9
MXMUCP9X$\>?LLIX=\:7<6HZY\3-5U(^(-"_::L;7QIXMEBN[R\UG794\6:7<
M>)]7,MXH!Y?H'PJ_:#\"KXLT*/X)?%#Q1::]XP_90\>:M)HOBK]G*T\&S_$;
MX/\`QYE^(WQO\3^%7U+XHZ%XG\2:?XG\-:5X8@T?Q7\1X]6\?Z\VDV*>.-6$
MUA#/``?0'[2WP1\3?%+XN:/J'A+X?:A;:HG[.'QP\%:3\:H/$/A[PWHOA?XH
M>(;[PCK_`,$;CQ1_9GBN'QAK6G^#O%'A+7M>L'A\,Z];Z#K_`(D\/:]I$0U:
MQFU#0`#S_P`-_L_Z_P"%-*\*S:G\'_BAX\^&^GZA\4+G2_@W<^)_V>=!\?>`
M/%OB6V^#D7@GXF>$O#_PZU'X=?"_X1:AX?G\"_%F:PU#P#XEO/$6G7OQ4.OV
MMXFJ>+O$D'AL`X_X#_LY_%'P]=>#]>^*GPU^(&J/X<^#_A_P=J7@:;Q'^SM?
M>%=3\!>%/V<='^#^M_!#4IYEU3Q%XM_X27XJ:1KOC"R\$7/B[0OAJ;;Q1I7B
MC5K^S\76.H:+,!MY6,_X=_`3XP_#_P`*?#J;3O@U\4+7Q%X&^%_[(VH+IMO\
M5O`UT4^*'PU^-$^B?M(FTAO_`(U'2KCQAXJ^`$&CZ%HFM7$BV\?@*T?P,-2T
M/3G;PQ,`=A\`O@E9WFL6UMH_P:\/Z'X+T?\`:`_:ZTWQ3XP_M'0M1\*^+_@/
M+X[_`&BOAM;_`+.W_"*7,BZGX>\/P^/=4\.>(/\`A7EIHC^`GMO"W_"2-J7_
M``E6I3Z6@!Q^E?L_?$C2_"G[,>A:/^S9J'AZ[\&_LX6'PW^-LEEJ/P+L+;Q/
M'I/QH^!_Q&\<?#75GTOXD,_C#3_'>B?"OXRP+!>1RZ-?77Q[LT\07.GPZ]XM
MG\/@?@>@7G[/U]J^O_"<W7[-FH6'PWA_:/\`$7B^R\`:?J/PCT2/X)?!?7?V
M>K3X5>*?!.MZ5X?^)$.EIX/\9?&*2Y\;ZYX-\$WGB?2?$&C/JC>(K.YU34IM
M!O@#[/\`V?H?'=G\#OA-IOQ0TWQ!I?Q&T3X?^%]`\<P>*=:T?Q'KMWXJ\/Z3
M;:+KFM7VOZ#K^M6FL?VOJ%A/JL5X=2FN9H=3B>]2WO6N+:`#;RL>P4`%`'E_
MC7XW?!?X::K;Z%\1OB]\+_`&MW>GQ:M:Z-XU\?\`A3PKJMSI4]S=V<&IV^GZ
M[JUK<3:?)=V%]`EPD9C:2RG0,6A<*`>@:3JVE:]I6F:[H6IZ?K6B:UI]EJVC
M:QI-Y;:CI6K:5J-M'>:?J>F:A9R26]_I]U:30SPW$$CQRQRHZ,RL"0#0H`\O
M^,GQ0TKX-?#O6/'^L+I_V33M0\+:)#)K.M6WAGP]:ZKXU\6Z%X(T*^\5>)KJ
M"X3PQX/M=;\1Z?<ZQK"V>H2:?IEO?7D-C?36Z6=R`>(>"?VC/'=U^S[\%/BS
MXU^%6W7?B;X@_9^\.ZE'X6\2:./"%GIWQTU/P'IEG\1;&;5KXZU;^'[2?QS:
M64N@2Z?=:K%K=O+IR/>:#&OC&X`V\K'7Z_\`'C5=&\9:_8VW@K3[SX>^"?BA
M\-/@SXT\3S>+KFR\96WC[XL1_#0^%W\+^!(_"5SINO\`@^&7XR?#Y;_4[[Q=
MH=[`O_"0M;Z3>'2K%=?`/I"@`H`X_P`3_$+P#X(N=/L_&?CCP?X1N]5T_P`2
M:MI5IXG\2Z+H%SJ6E>#M*.N^+]3T^#5;V![S3]#T0'4-2N(5>.QM0;BZ:*$;
MZ`.@TG5M*U[2M,UW0M3T_6M$UK3[+5M&UC2;RVU'2M6TK4;:.\T_4],U"SDD
MM[_3[JTFAGAN()'CECE1T9E8$@&A0!X?H?Q7\3>)H_C79Z%\,M0_X23X4_%"
M+X8Z-H.K>*?#VGQ^*Y+WP;\./%NG^--3U:SDOK?PMX/>T^(<.H3+`NN:S%HV
MEO<)H\^O3CPS$`<!IO[0'C[7]5M/`7ASX8^#[SXI+J'Q*CU**^^*>M67P>N-
M*^%-S\-M-\87O@WXI6'PFU#5O%>H6/B+XL>&O#EQ9R^!])CM-=\*^/=+NKN*
M?PO;G7@`\&?M;^#?%ERU]/X7\8>%_!L_PO\``_Q,TKQ'K6F27&H7EMX]TKP)
MJGAG1CX:T!-1GN=0\27?Q&TOPWX3AT:XUJZ\5>*/`'Q,T#3;,7/@Z"3Q$`?1
M_A/4==U?PKX:U;Q3X<_X0_Q-JGA_1M1\1^$O[7L_$'_"+:[>Z=;7.K^'/[>T
MY$M-;_LW4);BR^WVJ)#<_9?.B4)(H`!T%`''^)_B%X!\$7.GV?C/QQX/\(W>
MJZ?XDU;2K3Q/XET70+G4M*\':4==\7ZGI\&JWL#WFGZ'H@.H:E<0J\=C:@W%
MTT4(WT`=!I.K:5KVE:9KNA:GI^M:)K6GV6K:-K&DWEMJ.E:MI6HVT=YI^IZ9
MJ%G));W^GW5I-#/#<02/'+'*CHS*P)`-"@#R_P"*'CCPIX5TI='\5V7Q0N;3
MQ=I^M:8)OA?\/?C1XQU6TMA;06M](VN_!;PSJ6I>"=0\K4XVLK\W>E71DCEF
MTZ;SK"5[<`^4(+[X%Z;9_"OPEHNE?M/V'PI^&'A_QQX;;X8ZA^SM^VYXIT+Q
MMH7B_0CX9MO"'CJ'Q;X'U*P\7_#_`$O2+[53;:+KFEZI-:36N@Q:/J&D:5IM
M_I7B$`T(KS]F6/2KS3'\&?M7WEW>:AIFICQAJOPD_;]U?XH:;<Z-;:M9:5'X
M?^+NJ^$;CQMX9T^UL?$?BNUBL-(\065JEOXU\40"'R?$^KIJ(&WD%Y<_LLWM
MMI-G-\-?VCX;33-/DTF_M+#X`_MP:7;>.M*N=5U/7;_3/B[!IO@"!/C9I]_K
M>O\`BC4+ZW\?KXECOKKQIXHN+Q9YO$^L/J0![?\`\-+?#K_H7/V@/_$3OVI_
M_G-T`<AXU^+7P4^(&E6^D>)O"7[1[Q6.H1:MI6I:%^S=^V1X0\3:#JL5M=V)
MU/PUXO\`"'POTS7?#6H3:5J.J:9/<:5J-G)<:?K&I:=.TECJ-U;W`!Y_>7/[
M+-[;:39S?#7]H^&TTS3Y-)O[2P^`/[<&EVWCK2KG5=3UV_TSXNP:;X`@3XV:
M??ZWK_BC4+ZW\?KXECOKKQIXHN+Q9YO$^L/J0!T&F>,?V=M'\92>.[#P'^T?
M'K9U#5M9M+&;]G?]M2\\&Z)XA\01WL?B#Q5X7^'-[\.)?"?A+QAJRZKKYO\`
M7]%T6PU.^;Q5XA>ZNY6\1:J=0`V\K'V?0`4`>/\`A;]H3X!>.-=L?"W@KXX?
M!_Q?XFU3[5_9GASPM\2_!?B#7=1^Q6=QJ-[]ATC2=:GN[OR-/M+NZE\J)_+A
MMI97PD;,`#V"@`H`^0)_VEM=O_VK&_9^\'>$_#_B'2/"?A_6;KXF%O%EG8?$
M?1[P+\"]0T?Q3HGABXV6$OP_M])^--DTTNHZC9W^JOH'C`:3`;OP;9Z;X^`/
M3_"7Q/\`&5YX^T[P)\0/AWI_@:[\6^#_`!7X]\#+IOC>/QCJJ^'O!6M>"-'\
M0:=\1K.#PUINF^$O&$,OQ)\(".R\.:UXXTR62/7%36O)T^RN-<`V\CD/&'[4
M'A7PWKOCVTTA/#_B30O@_P##_P`>?$7XH2P>--.L?&W]C^!+/6DU>#X5^`GL
M9I/B-_9GB?19?#FN:O>:GX8T+2M7NCHT.KZEK^C^(-'\.`;>1W_P\^(7BK7/
M%7BWX?\`Q`\)>'_"7C;PEX?\&>,9H?!WC/4?'OA6\\*^/M1\<:)H$L6OZUX'
M\'W\7B!-6^''BM;S3VT-K:&V;29H=0NI;VYMM+`/8*`,_5M6TK0-*U/7==U/
M3]%T31=/O=6UC6-6O+;3M*TG2M.MI+S4-3U/4+R2.WL-/M;2&:>:XGD2.*.)
MW=E520`<>GQ8^%CWFD:=%\2_A^^H:_X?\.>+-`L$\9>'6O-;\*^,-=T[PMX2
M\2Z1:KJ7F:EX?UOQ/K&DZ1IVHVZR6U]?ZI:6=M)+<7,4;@''ZMJW[-OP]U74
M_C=KNI_`_P`#ZWXCU"]^'NL?%[5KSP'X9U77=5T*YDTG4/`^I^/KR2VN-4U#
M3[OP+-9S:-/?RR6\G@YX7@1M)*VX`:5JW[-OPX\9>+[/0]3^!_@/XA>*O&'A
M72?'MII5YX#\+^,O$GC[QQ'K.N^"-,\7P6<EMJ6L>,-?BN?$.H:5;ZBLU[J"
MW&HW%HLP>=R!MY6#Q1^T=\%_#/PO\9?%V'XA^#_%/@WP1X/F\:ZA=>#O%OA3
M7'U#2CJ&OZ%HUOHTRZY%8W>H:[XK\,:[X<TE);R".^UG3;G38I?M-O,D0!Z!
M<_$+P#9:5X2UV\\<>#[31/'^H:#I/@36+GQ+HL&E>-=5\56S7GA?3/"6H2WJ
MV_B34-8M$:>PM]/DN)+R-2]NLBC-`&?:_%CX67FA>%O%-E\2_A_=>&/''B"W
M\)^"O$5KXR\.SZ%XP\57=Y?:=:>&O"VKQ:DUIX@\03:AI>IVL>G6$L]R\VG7
M42QEX)%0`T-$^(7@'Q)JM]H7ASQQX/U_6]+U#Q)I.I:-HGB71=4U73M5\&W.
MAV?C#3+[3["]EN+34-#N_$_AJ#4K>6-)+&3Q#IB72Q-?VXE`,_2/BQ\+-?T+
M4?%&@?$OX?ZWX8T?P^_BS5O$6D>,O#NI:%I?A6*\\1Z=)XEU'5[+4I+2R\/I
MJ'@_Q;;-J,TJ6PF\+ZO$9-^FW*P@''ZI^T=\%]-N?@[%!\0_!^M6GQU\8:GX
M*^'.L:#XM\*:CHNM:KI&E:]>7UQ;:@FN*FHZ>FMZ+:^&"^F#4)%U_P`4:#I;
MQ+-J2E`#U#0/%GA7Q7_;?_"+>)?#_B3_`(1KQ!J7A/Q'_8&LZ=K']@>*M&\G
M^U_#6M_V=<S?V5X@L?M-O]ITZZ\JY@\^/S8UWKD`Z"@`H`X_P5\/?`/PTTJX
MT+X<^!_!_@#1+O4)=6NM&\%>&=%\*Z5<ZK/;6EG/J=QI^A65K;S:A):6%C`]
MP\9D:.R@0L5A0*`=A0`4`%`!0`4`>7^-?A#X4\?ZK;ZQKNK?%"PN[;3XM,CA
M\%?&[XT?#72FMH;F[NDDN-"^'/C_`$/3;O4#+>3*]_/:274D:00O,T-K`D(!
MZ!I.F6VBZ5IFC6<FH36FDZ?9:9:S:MJVJZ_JLMM86T=K!)J>NZ[>WFI:UJ#1
M1*TU_J%W=75S(7FN)I9I'=@#0H`Y_P`4_P#"5+H5\_@K_A'V\30?9;G3+7Q3
M_:,6A:E]FO+>XO=&OK[2=]WHG]I:?%=V$6LQ6FJ_V7->Q:B^DZPEDVEZ@`?`
M'PO_`&=/CCX*_93\`?#FRT?X?VWC:W^('[.OQ"U#P#KGCG5M#\(>`+/X/M\'
MO$'B30=*\0^&/`WB.'4/$'BWQM\*-3\1:L+#2+:P@UOXM^)+Q;_7)=-.H>+`
M/P/</$OP8\?:GXR\8V.G/X//P]^(WQP^#7QXUWQ/>:[K5KXR\+ZK\'H_@J8?
M!6D^!(/"EQIOBG3]9E^!.CJVOW'B[0I+%?&]ZPTB]/A^)?$`!]7T`%`'S?\`
MM)?#CQ]\4_#WA_POX,T?X7WMI::AK/B35-0^(]WK1,&JZ-X9U9?"/ABQT;2O
M#5^FH^#_`!AK=\/"OCDS7]E)<>`M?\8:':V]W-XG\[3`#Z`TF359M*TR;7;+
M3]-UN73[*36-.TG4[G6M*L-5>VC;4++3-8O-)TN?5M/@NS-%#>3Z9ITD\:)*
M]I;,YAC`-"@#YO\`"7AOXT>#]:_:.\10>%?A?J=W\0?BAH?C7X<Z;+\4/%>G
M6U]I5EX!^'GPNOK?QKJ*?!R[?PGJ"Z)\.;778DTRS\3QR76O2Z4\L,.G+JVH
M`;>1YAX.^!?Q3^&VNZ7\1/!7A;X/V.H6O_"S-%TSX"Z?XV\1>$_A/\-O"OQ'
ML_@2;V'P)XVTGX1W4DN?$WP+N_$USI47P[\/VUSJ7QBUZ9[G[1H[7?BH`]/\
M%?!#5?#FE?`WP%KFN:?XA^&_P*^%_@[0K2P:WN;23Q[\4/"5MX>TOPUXYU[0
M`7M])T_PG:>%IM4TC39]4\0V]QK/C.'5'M[#5/A]H.IWP'X'8?!3P?\`$?P1
MX5U#2OB=X]_X6#KL_B"ZOK75O*E3R;-M.TJSO[CS+A$D@_X2#Q/9>(?&7]B1
MJ;#PM_PG/_"'Z)+<:!X3TNYN`/P/8*`/F_\`:2^''C[XI^'O#_A?P9H_POO;
M2TU#6?$FJ:A\1[O6B8-5T;PSJR^$?#%CHVE>&K]-1\'^,-;OAX5\<F:_LI+C
MP%K_`(PT.UM[N;Q/YVF`'T!I,FJS:5IDVNV6GZ;K<NGV4FL:=I.IW.M:58:J
M]M&VH66F:Q>:3I<^K:?!=F:*&\GTS3I)XT25[2V9S#&`:%`!0`4`?/\`^U;<
MZ[I_[,OQ_P!6\,>*?$'@KQ!H/P?^(7B/2?$GA:XL[+7=/O/#OA?4M<C2QOKR
MQNO[/^U_V>;.6[M$@O[>&\EFTV\L-0BMKVT`-#]H;5M5TCX;6Z:1J>H:/)XA
M^*'P'\!ZE>Z3>W.EZJ/#/Q(^.GPX\`>,+73-8L)(K[0M0N_"GB;6K2'5=,N+
M34;"2Z2\TZZM+ZVM[F``^8/#=GJ'B+X_>(_V>-6\9_%!_A;X,U#XMZGH-E9?
M%OXH:1XR2Y\/_#G]AWQ'H\>K?%?2/%UMX[\2:?;:Q\?_`(K3K8:QXDO[4KX@
MLX7A:#P[H<6C@'G_`,+/B%X^\;?#30_CAXD\<>,+KXA:/\4/V&?`=K)9>)M:
MT3P;/X9^-/@C]CS4OB7:ZM\+-"O;/P3KVH:O??''XF3+JNI^'KO4;!M;L_[-
MNK,>']%&D@'ZGT`%`!0`4`>/^%O@=X+\':[8^(M)UKXP7>H:=]J^SV_BG]H7
MX^^.-"?[79W%C+]N\+>-?B7JNBZIM@NI&B^V6$_D3+%<P^7<012Q@;>5CV"@
M`H`^,/BW\(?BY\0/VDO@[XHM(/!]G\/?A_I_B#5=.^(5I?WVG^-_!=S/X\_9
M^\3:QX0BT!DG?6]0\7:)\-/&OA:37-.U/1;4^&OBAXDL-3LLZ'#;?$H`Z#P+
MX;_:2B\?>*/'_P`1?"OP/N=2E\'^-M+\(IH_Q0\>:U)I,D^M>'+[P'X!T*34
M/@YI-OX!\'W5II=]<^,O$26?BC6?$.LIH=X+:VT;PSH?AS1`#R_Q-^R3XJ\5
MZ/XP^&7F?#_PCX)USX@?M)_%3_A9FC/J.I>._%7BK]HCP)\:?`GV'Q9\.?\`
MA&])L+?_`(1C2/C9]DCU[_A.M8N=2L_A;HUK]@TV+6=OAD#;Y'T?\./"7CY/
M'WCKXH_$;3O!_AK6_%?@_P"'/@&U\*>"O%>M>.M*M=*^'6M?$[Q%!XAN/%6N
M^"/"$YU#4[OXIWUF^DIH1CM(_#4%R-1NFU5[;2P-CW"@#R_XR>"M5^('P[UC
MPOHEQI]OJDVH>%M9LUU.6YL+:]D\*>+="\5OH\?B+3[2ZU+P+J&IQ:(^G6GC
M/1+:?6?"UU?V_B+18WU;1;-2`?`#_LC_`!TUCPS-X1UWPM\#XK33_A?^W'X-
M\)>(=0^,GQ)^(OB;0/$/[6?B&;Q5H.OG4O%WP/@U*\U#0XA-X4U36Y]9EU/5
M-.\4:QJ;NTQETK5`-O*Q[!X7^!_QH^'WQ5USXH^#_!7P/BM)M/DTGPY\-[?X
MD^*_"OA[0]*\7?"C]F'P?XETRTU?2_@;>II^G^%-;_9CTVST2WM="$>LZ9XV
M>YN%\.3>'H].UP#\#/UO]F/XI^$O#G@#0/AG=_#_`,;?\(]\/_V-_`NMW?CK
MQ%XB^&FS_ACKXIW/Q,TW5-+@T#P3XY^W_P#":?VM?Z;/;3R6/]@?8+>YCFUW
M[8\%D`<?)^RM\:+[PSXXT]O#WP/\-:W\1_!_[?7AOQ/=Z)X[\5WL<VJ_M8>(
M?!WC?P)XGOKX_!C3+CQ)J&B7?A6S\':D+N&VD31M(TS4K.XN6B70+4#;Y'L'
M[9VK:5#^S?I=G\2M3^%_@R[\4_%#]FS2=4M/'-Y;>*?AI'JI^-_PVUWQ-IE_
M!K\GA1_'O@_3]$TCQ)J%_;S+H$E[H>A:E<7"Z;"D[V8!Y_XW_9*\<_$?6M;\
M;^*4\'QZW\1-0^(NG>,?A_IGQ3^,.B>#?#GA[XB^`?V??AO<7TGC#X?6O@[7
M?C/I]GI7[/=EJ%WX"U6P\%Z9K;>/KBPFUG3V\,VFJZP`?1_PE^'GBKPI\3/V
MC/&WBGPW\/\`3?\`A:WQ`\-:_P"'->\+Z]J.M^*M1\*^%OA[X:^'ND:)XT&H
M^!-#_LW['_PBUQKMK9VNIZY;6USX^UFTB=?LC7^N`;'RA;?LK?&AKOPWKC>'
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M7(=1MHM#`V/J^@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`"@`H`*`"@`H`X_Q_X#\,_$WP;XA^'_C.UU"^\*>*M/?2?$&G:9X@
M\0^%[G4M*FDC:[TR36/"NJZ=J4.GWD2&VN[>&\CCO+6>XL[I9K6ZGAE`//\`
M4_@;HNN>(8[K7/$/C#4O!ME\+])^'.G^![KQKX^N[9M0TKQ-9>)K#XCZKJ^I
M>,;N>?XH:-=Z%X>DT'QIIT6D^*-.NAJM]=Z[JMS/H[>%P`D_9U^%3:59:9'I
M_C"QN[+4-3U/_A,-*^*OQ7T;XH:C<ZS;:39:K'X@^+NE>-K?QMXFT^[L?#OA
M2UEL-7\07MJ]OX*\+P&'R?#&D)IP!H)\!/A/;:[I&O6/A3^R/[#_`.$<>R\,
M:%KOB70/AQ)>>#K/3M/\':OJOPIT;6+7P9KOB#0++1/#<.DZOJ>@W=_IJ>$/
M#8LKB#_A&])_L\`]@H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
L@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`/_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>p12.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 p12.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`"8!P`,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/WLU;5M*T#2M3UW7=3T_1=$T73[W5M8UC5KRVT[2M)TK3K:
M2\U#4]3U"\DCM[#3[6TAFGFN)Y$CBCB=W954D`'/^"OB%X!^)6E7&N_#GQQX
M/\?:)::A+I-UK'@KQ+HOBK2K;58+:TO)],N-0T*]NK>'4([2_L9WMWD$BQWD
M#E0LR%@#L*`"@#G_``MXL\*^.-"L?%'@KQ+X?\7^&-4^U?V9XB\+:SIWB#0M
M1^Q7EQIU[]AU?2;F>TN_(U"TN[:7RI7\N:VEB?#QLH`.@H`*`"@#G]?\6>%?
M"?\`8G_"4^)?#_AK_A)?$&F^$_#G]OZSIVC?V_XJUGSO[(\-:)_:-S#_`&KX
M@OOLUQ]FTZU\VYG\B3RHVV-@`Z"@#/U;5M*T#2M3UW7=3T_1=$T73[W5M8UC
M5KRVT[2M)TK3K:2\U#4]3U"\DCM[#3[6TAFGFN)Y$CBCB=W954D`!I.K:5KV
ME:9KNA:GI^M:)K6GV6K:-K&DWEMJ.E:MI6HVT=YI^IZ9J%G));W^GW5I-#/#
M<02/'+'*CHS*P)`-"@`H`SY-6TJ#5;+0I=3T^'6]1T_4]6T[1I+RVCU6^TK1
M;G2;/6-3LM/:07%SI]A=Z_H4%S<11M'!)K5@DK(UY")`#0H`*`"@`H`*`"@`
MH`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`,_5I-5ATK4YM"LM/U'6XM
M/O9-&T[5M3N=%TJ_U6.VD;3[+4]8L])U2?2=/FNQ#%->0:9J,D$;O*EI<L@A
MD`/G_2?C?JL/[(FF?M(Z[H>GZCK<7[.%E\;]8\-:3<7.BZ5?ZK'\,8_'FH:'
MIEW>#5)])T^:[$UK#-.-1D@C=&?[2R'S`#@-4^+OQH\._$/3_@-J&K?"_5/B
M%XHU#P#)H7Q-LOAYXKTGP;H.E>,_"7[2/BV:SU;X5S_%B_U+Q%J%K%^S-K%F
MM[;^/=&CD;XAV<YM%'AF6#Q*`<?<_M.?%.?PY\5=?TVT^']E_P`,V_#_`,:>
M.OB7:7WAWQ%J'_"V_P#A`_BG^T1\-+_2_`L]OXVLO^%.?VG_`,,V:UJ4-SJL
M?Q&^P_\`"PK&V>&^_P"$9EN/$P!]_P!`'C_QK\8^*O`_A73]6\,R^']$MIO$
M%K8^+/B!XLT?4?$WA7X6>%6T[5;VY\=>)?"FC>(=!O\`7/#ZZO9:-HM[<0ZY
MI-MH5MXGF\4:M=)HGAG4PX!\X:S^T+\:+#PSXY\0RZ#X/\.2?`[X'Q?'7QSH
MWB3PAXKCU7XL^&;OQ#\:K/P_:^&-.G\9:;??`#4->\*?!(ZZ;/Q/9^.]1T*3
MXF6FE:II[WWA"]&O@'H'AGXS>/M3\9>#K[4$\'M\/?B-\</C-\!]"\+V6A:U
M:^,O"^J_!Z/XU";QKJWCN?Q7<Z;XIT_69?@3K#+H%OX0T*2Q7QO9J=7O3X?E
M;Q``?5]`!0`4`%`!0`4`%`!0`4`%`'C_`,=[KX<67PSU2\^*WBG_`(0;P?:>
M(/`%TOC7[1%:?\(?XOM_B%X6E^&_BG[7>6-[IUK_`&5\1D\*7_FZW9W>B)]D
MW:[!-HZWT;@'R@OQ7UJ2TT'QP/BEX/\`"'P]N/CAXM\#?%7X_?"_0?`/A[X/
M?$SP]K7[-%S>>%/C4VO>.[;QM;:#J'A/XI:;X#^%]EJ,_C+6=,N]=\)RZ/J2
MW9N[/P]H@!X?H'[3GQ,U'PK8^*8/VA?[1U?4?V0/@3\8_!'A"'P5\/;_`$[X
ME_M*ZAIWQ6\-Z[\#]-\3Z5X4CA/_``E?C;X<R6U[\.[*4>-]1U5=5B\':KH-
MIX7U;3R`>X3?%WXAZ)\;?B7X._X7)J&M:EX;_:/^%?A+X=_!_4_`_A*SN?&/
MP\^)>A_`_7?BLL>OV'A>SOO'>G_#/PI\0?%/B*TA\+W%CJ_A>UT>WU;Q_?\`
MB#1M9T^*,#;RL>/_``@^/7C+4_B#H?A?X6^/_A?/\.YOCA\6+T0GQ/'J=S\3
M;GXA?MB_':Z\>:3X;T+PU\.?%>J?$#4/#'P>F\!^,[=]`\2^!+7PQ:_$/1?%
M/B^YUCPEJL260!GVO[4_Q,T[PAKFLZ-^TE\/_B%!8>'_`-M_Q1X<NKSP]\/;
MS5O$?_#(OC:RU7X=>"UU#P9?:7IFH>(/''@+Q-;Z]XDO=/T:'[3X'TG39/#.
MF>'=3DO/&NH@;'0>(_VEOBQ<>$/VJ?&T'QC^'_A7P_X3^'_Q>\4_#R3PYK/A
MKQ%KOA:\\(^-K;3/V<[Y])UOX/2:#X4\/_%_PD;/4+>'Q9XR\:7_`([A\56&
MK_#N/0]/@NX;`#8Z"\^)TOC'XK?!/2_$'Q_\/WS_``T_:_\`#ND6>M>$/^%<
M:1H_C?0OC)^Q?XC^)W@749;'5+77Y+7P_KWB?Q+XQ^'WA)M/U3SK_0M3>U;4
M==\76,'BB$`\OG_:NCUG3/$?A#XS?%OX7V5W9_%#]B3XE:)IFL^,O!N@>,O#
M$FI_M1Z7?_$[P'XJ\'PZ5HC_``XU#P#HG@'3;[6/!&J7WCS6?"*ZC??V]XZ\
M0PRVUQ8@'U!^TM\5_B'X+^+FC^%?A?\`%+3[?Q)<_LX?'#XF6/P/FT'PEXGU
MKQWXR^%=]X1UWX<Z-X7TN.VA\6)J'C%I/&NE7\-O<ZFM_H'@[Q##H%GI&O6I
M\2Z*!L>?^&_CG\0UTKPJOCS]HOX7^#O`TVH?%"[T7]H*VUCPEXP\`^*?$/A2
MV^#DW@3X;>+?B9KOPN^&?@GQ[I^KWWC+XPO?V?PXTCPGJ<UE\+AI-AXELM<\
M)^+;N<`\O_9;^-WCO5O#_P`*?#`^*OP_\%?"7PY\`/`WARXFA\1Z/-XJTGP=
MX<_9@\/:WXI^-VFZ!??";6K/3/\`A%/C;%KW@Z]\=^+/&\'@2TN?!>J^$;_P
MI+XMBBN;\`T/AW^UI\0X/"GPZ\4^,_CY\+]<L9/A?^R-\6/&!N-"\)>'UOK;
MXU?&B?\`9]^+MI=ZC9>(5M]$\'_#JTT\ZMK=Q#;174'CW5DFNM1T;PM&G@.0
M#;RL>H?"CXH?$SQ%XJTWP%=_'KQ!XL\4WGQ@_:-^$?B#0/\`A`OA[H/BKP5\
M)?`6H_''3?!W[07DQ>!8H?$?B"#QMX+\"^%?^$RMM/7X>27.N_\`",77AJ;Q
M797E[.`>'_#[X]WWP]^%7['WA3PK^T#I]]9^,OV4/"Z>(=)O+KX1WUSX!CTO
MXK_`;PAXI\?Z3]C\+0W-EJ'P]^%WB#]H`,_B%]6T:SM?@)>ZCXCT[4)O"WB>
MZU``]@O/C5XKNM?^$_A;0/VI-/@\.^,?VC_$7PB\'_$J_L?@OK,GQL^&E_\`
ML]6GC34O%FAW5AX:TW0-<\8>&?CE?GX?:'K/A.TM=#M-9FTO2_$VA>*-1CGL
M=4`/L_\`9^^)?_"X_@=\)OBC)=^'[O4/''P_\+Z_KW_"+3^?H5AXJN])MO\`
MA+=%L=U_>R6O]E>)EU;3);.XNY[FTFTZ6UN7-Q!+0![!0`4`%`!0`4`<_P"*
M?%.A>"M"OO$GB2^_L[2-/^RI)(EK>7]Y=7FH7EOINDZ1I&DZ9;W%_KOB#5-7
MO+'3=.TC3;:[O]1O]0M+&QM[B[NX890#Q_P?^T[\&O%_PX\!?$Z+Q1_PCNC?
M$3Q!X#\&Z!HWBFSGTCQ?'X[^),6BW/A+P1?>&5$UVGB"]T_Q!I.JQ&W%S9SZ
M)>Q>)+:[G\.31:M(`=AJ?QD^'>C^,H_`E]K&H1ZV=0TG1KN^@\+>+;SP;HGB
M'Q!'92>'_"OBCXC66A2^$_"7C#5EU70!8:!K6M6&IWS>*O#RVMI*WB+2AJ`!
MZA0`4`%`!0`4`>'V7[1OP>O;;5KR'Q-J$-IIFGQZMI]U?>#/'.EVWCK2KG5=
M,T*PU/X0SZEX:@3XV:??ZWK_`(7T^QN/`#>)8[ZZ\:>%[>S:>;Q/HZ:D`:&F
M_'KX3ZE_8$2^*_[)U#Q'X@F\+66@^)]"\2^#_%6G:[#_`&(J6/BKPEXKT?3M
M:\$?:9_%?@BWM)O$5AI<-[<_$;P3;6DD]QXU\/Q:P`>@:-XIT+7]1\6:3H]]
M]JU#P-X@MO"WBFW^RWEO_9>NWGA7PUXUM['S;FWCCO=_AGQAX<O/.M'GA']H
M^2T@N()XH0#H*`"@`H`*`"@#R_XH?%3P#\--*6'Q=\5_A?\`"G6_$.GZU'X,
MU#XH:_HNEZ5<ZK86T"F\71M3\4:!<>)M/TZ[U'2I;VRL=3L9&CNHHOM=HUU'
M,H!\(0?$7X/V/P?^%?[,%Y^UK^S!XB^&3?!_QQ\'/C'XXT_QW\/_``EKK^"8
M/A^?`G@6;P(EY\8]>_L/X@/]NTQ[E+_1/$>D7T.F:]?-=:!/!I6C:\!MY6-"
M\\8?!?5O$T'Q4UO]N3]E"3XT:)J'A"3PKK.E:CX4TWX7V6E>#O#WQH\+V5EX
M@^'5W\?+_7==U"?2OVA/B<TMY9^/-&C^T1>%Y$M%CTC4(/$8&QS]T/V;1HOC
M'0M,_;?_`&<+2T^,_@_Q)X*^/4E]XI\!W]SK>E>,O'WQA^(WB2X^$+V_Q<LD
M^%^H'6_C[\3H+%_$4?Q%CMK5/"Z3Q7LVCZA/XD`/I#QU\6/V!?B?_9?_``LO
MXE_L@?$/^POMW]B?\)UXR^#'BW^Q_P"T_LG]I?V7_;^I77]G_:_[/L//\CR_
M-^Q6_F;O)3:`<?XL^(W[(DG@WP=X3^%O[2/[*'POM/A[XPLO&OA3PW#XK^&.
MH?"I]5M)-9N([?Q1\-?#OCSPPFM:?:ZWKDOBNP2SU;2)++Q7H/A[Q`)9IM(-
MO>`'C\X_9MA\,ZUX1T?]M_\`9PL-$^(_PO;X._%RUN_%/@.]C/@%O$/Q0UVV
MT'X%06OQ<L;?X.Z?HMI\9O&^@Z!9:S#\0;+2-&TCP98+:W"^'KM_$(!Z!H'C
MG]FW1O&6@7UQ^V7^SA>?#WP5\4/B7\9O!?A>#QMX#LO&5MX^^*\?Q+'BE/%'
MCM_BA<Z;K_@^&7XQ_$%K#3+'PAH=[`O_``CRW&K7ATJ^;7P-OD?H?0`4`%`!
M0`4`>'ZW^T/\+_#OQ<T'X+:EJNH)XKUW3[^Y.I0:/J$_@W0=5MK[P-8Z;X2\
M4>,(H3IOA_QAK$OQ%\'FPTNZF221O$OAZ"<V]UXQ\+6_B4`]`\)^/_!OCFY\
M8VO@_P`0Z?XAD\`>,+WP!XO;3'DGMM&\9:9I6C:SJOAZ2\$8M[G4+&TU_38[
MM;62=;6Z:XL;AH[ZQN[>V`,_Q'\4O`GA+74\.>(-=_L[4$\/ZCXLU:X.F:Q<
MZ%X0\*Z99ZO?2>)?B%XILM/ET7X;>'[F#P]XA6PU'Q3?Z/;:G-X?U2WTZ2ZN
M-.N8H``\"_$[PA\0_P"U(O#DOB"TU#1/L+ZKH/C'P3XV^''BJRL]4^V+I.KR
M^$OB'X>T36O^$?U"?3=7M[/5UL&L+NYT+5K:WN);C2KV*U`/0*`"@`H`\OTK
MX81Z1\7/%_Q=7QIXPO;OQCX/\*^"KOP9>1^#5\&Z7I7@R^UG4_#]QI)LO!]O
MXA74(-2\5>,[EGO?$%['*WBZ]22)H;/2H])`#P%\,(_`/B;XI^)H_&GC#Q+)
M\5_&%KXUU32?$D?@U-*\.:K9^'M)\(P6_A@^&O!^CWR:>/"GASPII935[W5Y
M#'X8M)S*;ZZU*ZU,#8]`U;5M*T#2M3UW7=3T_1=$T73[W5M8UC5KRVT[2M)T
MK3K:2\U#4]3U"\DCM[#3[6TAFGFN)Y$CBCB=W954D`&A0`4`%`!0!GWFK:5I
MMSI-GJ&IZ?87>OZA)I.A6EY>6UK<ZUJL.E:GKLVF:3!/(KZCJ":)HNL:@UO;
MK)(MKI-[<%1#:RN@!H4`%`!0!Y?\)/AA'\)/#.H>&(?&GC#QQ%J/C#QCXU?5
M?&L?@V/58-5\>^(;[Q?XFM[<>!_!_ANQ&GW/BO6-=U1$DLI)(9-:G@BE2Q@L
M[6R`/4*`"@`H`*`"@#Y@^-?P+\>_$WQ5I^O>%OBK_P`(-I]IX?M=(FTG^T?V
MD[3[1>6^HZK>2:CY?P<_:M^&6BMYD%_;P[KK0;N_/V3$NHS6ZVMM8`'O_A/2
M+SP_X5\-:#J.H_VOJ&B>']&TB^U;?KLO]J7FFZ=;65SJ/F>*?$?B#6I/M,\+
MS;M7U[6[\^;F\U&^N#)<S`'04`>7_&30_#/B'X=ZQI_C#PUXP\5>';?4/"VN
M7VE^`+[Q#IWC*UD\,>+="\2V'B7P]/X/UO2O$+ZAX=U+2;/Q`+;P[=2ZS=+H
M36VDV6IZC/;:;?`'YX?"GQ%XV/[#'P2'B+P_\0/$6D:5\0/V,'^'MQH7PP\7
M^(_%^I_#CP/K?[/GQ(\::OJOA;P+X5GOX/#_`(=U?PY\6-'TG5[C1;%-6T3P
M?X;N(;C7+OQ!8ZQXI`/</&6B^(?^$R^*G@2+PKXPN=;^(_[5_P"S)\9/"5]9
M>$/$U[X-N?AY\-X_V5I/&FL:M\1K/2I/"?A74+!?@S\1`NAZYK6FZO=MI%FM
ME8W+:]HXU0`^[Z`"@#Y`_:X_MC^Q_"'_``B?_"__`/A+?^*]V_\`"D?^$[^R
M_P#""?\`"":O_P`+._M[_A'_`/B0_P#"P/\`A$OM/_"M/[9_TS_A8_\`PAWV
M+_B4?\))0!]/^$_[._X17PU_8_\`PD']D?\`"/Z-_9?_``EG_"5?\)5_9W]G
M6WV'_A)?^$Z_XJ3_`(2#[-Y7VW_A(?\`B:_:?._M#_2_.H`Z"@#\L++PYXMO
MM,@:W^%GC")O!^H?!OQ7K_AZX\$?$/3K;]G'2OAY^U'\*_BAXL^!OP0E\1P2
M6?QJ\'R>#="\07?VOX76]]'>77P6TRSTU9?#VM_"_P`&^!`#V"W\./XAOOB'
M\3=,^%FH:WXD\=_M'^%-4^"%YX]\$>,O#\FA:5_PJ/X"^#/$WC[QYX.UJ#0-
M6TWP?X5\1?"37_&$7AWQ>WAN/7M9^%/@R;1;F#7KSP7JR@'K_P`)XO&7@7QE
M=_!B#P5J"_"WP7X/LY=)^)VLW<=UXA\9^(;B/P[J.H^-?%6MV]O;6/BKQAXZ
M\5^(/B7+K$%M:6^IZ9J?PQOO$.NR7$'Q7\/)9`'TA0`4`?('[7']L?V/X0_X
M1/\`X7__`,);_P`5[M_X4C_PG?V7_A!/^$$U?_A9W]O?\(__`,2'_A8'_")?
M:?\`A6G]L_Z9_P`+'_X0[[%_Q*/^$DH`^G_"?]G?\(KX:_L?_A(/[(_X1_1O
M[+_X2S_A*O\`A*O[._LZV^P_\)+_`,)U_P`5)_PD'V;ROMO_``D/_$U^T^=_
M:'^E^=0!T%`!0`4`>'_M+^)/&7@O]GGXV>,_A]K>G^'/&7@WX7^-?%NA:SJ>
MAQ^([:QN?#.@7VN3-'I$]]:V\VH26EA<0VDUV;JUMKJ:WNKNPU.VMY=.O0#0
M^.GBG7?"/P_2\\-7W]DZMKOQ`^#OP]BUA+6SO+S0K/XJ?%_P+\,]6U[2+;4[
M>YL'\0:;I/BZ^O\`3CJ5EJ-@M_9VC7UA?VBS6=R`?.&A^+/BKXE^,.M?LZO\
M7_&&DVG@W4/B9>CXJ:5X?^%'_"T/$=MX3\#?LC>+-*TGQ!'JGPWO?!*:>;[]
MICQ7!*^D>"])NGM_"/A<"Y6:+5YO$(!Q_P`//CU\6/'_`()T3XVWOBO^Q?L/
MQ`_9`^'M[\+]"T+PTOPXUVS_`&AO"'[,&M>,=>U6?6='U'QG!X@T^]_:&\2G
M23IGC'3K"%/"GAM;VPU#R]6.O@'Z/T`%`!0`4`?('PM_9T^)/@/QWH7BO7_C
M+_PE>D:5_:?VO0/[4_:QN/M_V[1]0TV#]S\2_P!M#QWX;?R+F\AN?^)EX4U7
M'V;-M]ENQ!>V8&WR/K^@`H`_.#XC6MYX4_;A^'NI_"[PM\0--\>^,_#_`(JN
MO'"W]OKNM?#/XB^$+CQ;^R%X2\6>*8+FYOM0\.^"/[!^%F@>)WFEL+CP;K=S
MXA^%W@VTU6#5;#Q%X<L/&X!]`?";Q%%IWC3]K[5K_P`/_$#3]/L_C!8>*;6>
M]^&'Q'L_^$CT+1_@%\(_!5_?>!8KCPJDGQ#_`.*F^&_BZSAA\,)J\US]DL9K
M:.:WUK2Y=1`/C_QG\,_BGJVC_'#P1X2M/C!K'Q:^)?B#]KZ'Q]I^OP>(M,^%
MFH_"+QMX$^-FF_`S3=%\7:S8:?\`#;Q+X@?4Y_V<K6VU*/6-8\;:/IPD\-7.
MH:=X2\)WFA>&P/P/L_X7W\GC+XT?%/XG:5H?C#2_!NK?"_X*>`],O?&O@;QE
M\-]5O?$W@GQ7\>O$'B6UM_"WQ"T+1-=?3[72OB+X0D35?[-_LZYDU&>VM+J>
MYTR_AL@-O(^D*`/'_CU_PE7_``J?Q7'X-_X2!-9F_L*VFN?"W]HOKNF>'+KQ
M+H]OXRUFQL-`V>(-;_LWP?+KM_+HWA&[TKQ5JD-E+IWA35M'\1WNEZIIX!^:
M`\3_`!OU71=.ETS5?VKXOB%X(^!_[8-I9/9?";]I#PGX-\:^+?A[X^M/%'[(
M,6K:)\1?#NK6=UJ%[X-TJ\OEEO\`6+[Q%XA:QL_"GC?6_$0UN\T7Q$`>P0ZS
MXHE\;ZQX:^(E[^U?K'P'T+4-5UG2/$.B>#OVB_#GC[7=:\=?#3]GCQ5X$O;[
M4O@MX3T/QA=Z>?%%[^U7_:7A^T@MM`\*WKZ9H.I:3H,=EX'TJT`V\K&?XI_X
M79X+B\$>(OB'_P`+_N_&'B'P_P#L'>)?$%O\-_\`A;OCS0K?XF?#_P"(^IV/
M[6UM>>%O@K_:_AWPQX?NOA9K.EM?:%]@L/#WB::$W.D66JZQIDLMH!MY'E^K
M:?\`$;7_`(/?%CP5&/VK_%&B?$/X7_MZ:'HVA>-?#'Q^_M6PU7P/XYTCQ;^R
MSX;M]6\0>&[3Q';Z?K/PTUWQ44N?$.H74GBZ35Y_!NMWNKKH.D>&=!`V\C[0
M_:0>\LOV>/!6K?#W5_C!HFH:7\0/V:4\(3Z!XCUWP]\4[NS\2_%KX=>"I-(U
MN+XLZC:Q^(O$&H^&?%&HV=SI'Q62\L)M1NHYO$EN;BT>6W`/F_Q=9?M`7T=C
M#\-/$OQP\*_"1?&'CV3X2ZAKG@?XS>/OBA-KZ^#?@8OP[L_$FC>*?B%X.\:V
MVGO\3W_:4E@O?CIJ<_P\2WM]-B\3VDGAVX\(36H!]0?`JRU";XP_M-:A?:M\
M<'TK2_B@++P'H7Q#C^*%CX!M/#VN^!OA]/XNU;X>S>.-,M[;Q-I]U\4O#OC.
MWMTLM0U?3-"LM-A/ABVT72?%MQ+XI`/C_P`/:S\8])TS3+'0;W]J_4_"_B[Q
MA\<]&\3P>,O!WQRN/$/AGX5>$/VH_A;XA\*66@:UXG\)Q>+]"U"[_9'\2_&F
M\TOQ`-0D\5ZSJ=]'X?T[5KSQ)X3\(Z%X9`V\CU!?"VIZMXG^!?B2XL?C_>_#
M;PC^U_._PODUNZ_:"?Q?I'PXUS]F76=,GU?XD:3K5Q_PFW_"/_\`#2/]N::=
M7^)5LR6FB:Y<6/VB#P)KQAOP#U#]CNR^-%GI7BJ;XQ^)?&&MZW=Z?X*D\0Z?
MXC\#^*_"FE:!\6A;:\WQ7L_#&L^./B%XAN/%VG_:Y?#D1O?`NF>&_A@([.TE
M\#6A:]UV&P`V\C[/H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`//_BK\/;/XL?#CQI\,M3U[Q!X:TCQUX?U#PMK
M>K>%CH2ZZFA:S$;/7+&QD\2:%K%A;_VAI,M[I\LSZ?+-%#?RR6DEM=I!<VX!
MY_XE^$GB_P`9:Q;:3XB^)7B"Y^'&F?#_`,)VUO;_`&?P2OBJ_P#C5X1\=Z-X
MU\+?&?S;'X>6%IHGB#P]J'A/2+W^S6?6?#&NW.L>3<^%=+LM!EB\6@&?'^S=
MI]G<IXDTGXI?%#1?BC/J'B&]UWXP62?"^X\9>)[;Q1I7@#0]8TG5O#^K?#*\
M\"6>GR:/\)?A5:*^C^#M*NHU\`6<B7(GU37)==`#3/V7_`'A^YT>Q\-:OXP\
M/_#W2]0^&NN77PFLM0T6]\&Z]XF^#^E>"M&^&OB35M:USP_?^-H=0T2Q^&?P
MS5;;3/%VG:=>-X%LVU*RO3J6M?VV`?2%`!0`4`%`!0`4`%`!0`4`%`!0`4`%
M`!0`4`%`!0!Y_P#$CX8^$/BQH5GX:\:P^()](L/$&B>*;6+PYXV\;>`[Q-=\
M-7BZGX?OGU;P'XAT:_G_`+/U>*TU*WAEN7ABO]-L+Y(Q=Z?:S6X!Z!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4
H`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>p24.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 p24.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`"(")`,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/VL^*OQ8\/?"32O#M[K-IJ&KZIXS\8:1X`\$>&-)O/#.F:K
MXL\9:Y;:C?V'A[3-4\;>(M`\/6.H3:;H^KW$*ZMKFFK=R62:?8M=:MJ&GV%^
M`>87_P"U'H^D>%?B5XIU/X4_&#2_^%6_!_X<_''7_#FJ:9X$TKQ5<>!/B%IW
MB?49FL](U'X@P?V?X@\+_P#"$>-+77=&UN72+R.Y\,W,6F1:I]HLFO@`U#]J
M_P`":9KOCK2[CP9\8!HWPQ^(&F_#3QUXRC^&^L?V%H_BKQ'9^$6\&VFD:0S+
MXI\?_P#"2:[XTT;1-.B\&>'?$5SYUQ::G>6]IX<US0]<UL`\O\=?M77/B[]G
MGXA>-OA18>,/ACXHO?V</&GQY^$7B/XF>!]*N;;Q+X>\%Z!H>J>,;W1O#4/B
MF6>TU#0[OQ/X>TJ.[\2VMKIE[=>(-/UO0K?QEX;@FDNP-O(]?U;]JKX1Z+\8
M=3^"%YJ.H3>--)T^]FNK/28+'7]5EUJP\#2?$^?POIG@#0M2O/'NM:@WP[B;
M6H=5T_PE=:!<R%-#M]9E\32)HC`'(>!_VTOAQXYO/#<-OX)^,'AS3/%/A_X/
M>*=*\1^*?!$6G:$NA?'+7=3\$>`[Z^GM=:NKG3_M?Q-T^+PC%#/:I-J,VHQ>
M(-$CU7P3:ZAXITX`-6_;?^!VD7GQIT\77B#6+WX'>'_&?B/Q#IOA:RTGQ5KN
MK6?PYUVS\)^/DL?"GA[7+O7O"O\`8?BW4=/TV6[\<Z7X0L+N&XEUS3+R^\,Z
M=J&MV`&WD'Q"_:CU'0O#D]SX0^%/Q`N_%MC\0/@#IDWA'Q+IGA70]8O?AG\;
MOBG#X%T#Q];:?K7Q!T?^Q/\`A(O[(\7:)I.C^(+K2?$.D:['ITGBSP[I&D"Y
MN5`V\K'?^(_CYX5LOBPG[/UEJ'_"/?$_Q'X?U&7P5JGB/3M.U#0KOQ$OAK5_
M$UI&G@N+QAI'B_Q/X?M=&T;4]0N-?L+&R\*S3:-?^'%\6VWBB&32[<`P/!_Q
MQ_X1?]COP%^T+\4&\0>(Y[7X`>`_B7XYF\+>&O[3UW6-1U#P-HNMZY=V/A_0
M;6WM+3[1J%W/-+*5T[2M.A>6ZO;C3],L[BYM0`U;]K;X6>'?&WP\^'_B6+Q!
MX5\3?$G^Q9M'TCQ2GAWPYKMCIWC3Q?JO@CX9ZE?>#-8\26_BF^_X2[7=)F6+
M3=$T+5]5\-PSQ3^/-/\`"2>880-O*QS^N_'G7=9^-7P-\*^"X/$&E?#_`%WX
MP?%7X>>*->U'P99W>A?$:\^'OPQ^,+:_I7ASQ;#K]S<^"O\`A%/B;X`DL;RQ
M\0:!H=_XCFLUO?#%[?\`A_1=9EU$`-`_;?\`@=XF^''Q<^*'AVZ\0>(?#_P;
M\/V?B_7[+PM9:3XRUW4_"&M1:Q)X7\06.F>#=<U7_A'_`.U?^$?ULRZ/XNE\
M,ZWX?ATV6]\7:7X=T\I=R`'0:!^U?X$UGQ%K?AN\\&?&#PQ<Z+X@U+PR)]?^
M&^L'^UM8@^%D/QNT'2]%T;06U/6[WQ!KWPI36]?MO#ITJ/7=-_X1Z32_$FEZ
M%K>M>'M,\1`;>5CS_P`2?MF6=Q\#O%_Q0\!?#?X@0:N_P`\3_'3X4V7CW0M"
MT>S\;:%X9TGP_+XFUE],'CFUO[7P_P"#M7\8^%SK"W\NBS:W87<E[X%?Q1:2
M6]W,!MY'I\_Q]\/:/XA\?VVL:7\4--UOPAX/^`DU[\/=5\/^&;6V7Q7\;O$W
MBWPUX&\+^$-?AN5L?$GC#6/%:Z?X:U755\4WW@NPNK'3DAUFS:R\37,`!0U'
M]JGPKH\OAS1+_P"'7Q@3Q[XB^(&K_"W_`(5SIWA'3O$.NZ%X[T[X<)\5M/T+
MQ'XF\,>(M1\#Z9_;'@O4/#=_9WH\6RV<,/B)KK5+C3K#PSXKN_"@&WE8]O\`
M`?C72OB!X9M?$VD6^H6$3:AX@T/4M)U:*VAU70?$WA'Q#JOA#QAX;U,V%W=V
M-QJ&C>*]"UK2YKG3+W4-.N)-.>?3KV]L9K>ZN`#L*`"@`H`*`"@`H`^?]2_:
M$T>/XF:_\*O"W@/X@?$/Q!X1\FS\7W?@M?`CZ=X1\1ZG\/=;^)GACPYXFM_$
MGCO1]5T3_A(O#^D6]MI?B.ZTN/PK/JNN66DRZ_!J$.H0:8`>8:;^V'X>\*_L
M\_`KXT_&K1-0\&R?%3P?X?U_76MSX9T_P]H0N=`M=9UC7[2\U?QO);WVGW5I
M-_:^B>#=*U37O'NJZ9.XT_PS?WVBZY;Z.`&J_M>:?X!OOC@_Q3\)ZAX6T;P#
M\<-"^$/P[GNM<^%_AV/QS<ZM\(_#/Q)E@E\2>*OBM9^'M%U!=-E\1>(X[KQ)
MJ7A*UET;5/#>EP"X\6/>Z-$!MY&?^T-^U%_9?P.\<>)O@;/X@U'75^`%O\;-
M'^(&G>`O^$HT+P-X5\9:3XAO?AGXC\1^%-9U?2=:F_X2B?PIXDLK.XL]$\0V
MWAJ;36UKQIIUGH-G(+\`]_\`BG\9]!^$^H_#[1-1\,?$#Q5KOQ/\0:MX6\'Z
M3X%\)7FO?:M=TOPKK7BI+'5-9EDM-%\-_;(-&>V@FU?4[&%/.N-2O)+70-"U
M_6-!`.`;]J_P)_;'A3PY:>#/C!JWB#Q-X?\`B!K]SI6@?#?6/$/_``B__"I?
M'=E\//BGHFMZKHC76E:EX@\,>(&UQ;FS\.7^O?;?^$>CM]&?4]0\6^#++QF`
M<?X=_;%\`#P]IS1^'_CAXFM/#WP/^%7QN\<>.-9\!Z+I-MH?PO\`'GAG5]>G
M^(/BK5[:?1/#VL:AI>FZ!<7>L:3X#M]4N+FZN+ZS\*Z3JTWAW7[/PV`>OZM\
M=-*TSQOJ?@^S\!?%#Q-IOAS4+W0_&?CKPAX6MO$OAGP7XFL_AI)\6QX;UG1=
M,U>3QE?ZA=>"YO#\EI<Z'X4U?3KK4?&.AZ+#>OK-U)86P!Y!X=_;%\`#P]IS
M1^'_`(X>)K3P]\#_`(5?&[QQXXUGP'HNDVVA_"_QYX9U?7I_B#XJU>VGT3P]
MK&H:7IN@7%WK&D^`[?5+BYNKB^L_"NDZM-X=U^S\-@'I_B/X^>%;+XL)^S]9
M:A_PCWQ/\1^']1E\%:IXCT[3M0T*[\1+X:U?Q-:1IX+B\8:1XO\`$_A^UT;1
MM3U"XU^PL;+PK--HU_X<7Q;;>*(9-+MP#H/V>O%.N^./@%\#_&OBF^_M3Q-X
MP^#_`,-/%/B/4_LMG9?VCKOB#P7HNK:O??8M.M[>TM//U"[N)?)M8(88_,V1
M1HBJH`/8*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@#R_XK^/-*^'^B^%[S5;KQA8KXE^*'PK\!Z?=>#?#]MKERNJ^-/'V@:%86NO
MSZEI5[IOA[P??2W1T_5-5OFLI$M=1DM](NH_$-YHZ3`'G_P]_:=\&_$;5=#L
M]+\(?%#0-&\3>,/'7PZ\/>*O&O@V3PAI6K_$/X?7/C277/!EOHNLW\/B>#4&
M\->`/$VO)J%UX?M](@CTZ?1;_4K+Q9:7?AVT`/,+']J+^T/BGH_B.\G\0>$?
MV?/^&8/B[\<!<:_X"Q_PE/ASPEXB^$%]H/Q?T3Q3H.KZY-J/A^\\$^*M;:V\
M%FPT'Q5I7[RX\2:+NU[P]%9@;>1Z!X<_:P^'OBOX</\`%#P]I/B#6/#&B_$#
M3O`/Q"N-#U?X9^([/X6?;8M(O[WQKXR\4^&?B'J'A:_^'^BZ%XB\/:SK6L>%
M=?\`$G]CV&ISRZC#;OH>N1:*!MY6-_7/VAM!\(?"?P;\6O&OP^^,'A*R\9^(
M/!?ARU\$W/@"\\1?$?0KSQ]XEM/#OA]_%/A;P'=Z]_8>_P"W6EW):2W37ZO=
M6NC)9OXFO;70KD#;RL8'BG]K#X>^!?!-]XJ\:Z3X@\':SI?Q`M?A;J7@#Q3J
M_P`,_#VNZ=X[OO"%O\1[/0K[QEJWQ#M_AQ9_:/AK=VGB:*]E\<I9R0W46E)<
M'Q'(NB,`%M^US\)[W4=9BTZU^(%YX8\-_!_PS\>_$/Q#_P"%?^)=.\":3\)_
M%7A7Q9XNTSQ7_:FL6=G=ZOG3_"R6_P#9FD6&HZE->:U]FL[.Y?PWXM_X1$`/
M%/[4WAKX?>";[QA\3/`'Q`^%US!\0+7X;Z3X6^(5_P#"?PQ>>)]=N_"%OXZC
MO-!\;7GQ2_X5[_PC_P#PC?\`;#?VEJ'C33X7O_#.J:+&7UM;;3KT`S[K]L7X
M7BYU5M#\/_%#Q-X=\/?"_P`!_&[Q)XXTSP'J&D^#=#^#WCS2O$&O0?$&35_&
M,^B/K&GZ7HF@27=WI.B6^J:[<M<7%GHNDZMJ/AWQ+9^&P#O_`(4_$[Q-X[\;
M_'_PQKG@O4/#&F_"?XH:9X*\,ZK=2>'FC\1:5>?#3P)XODN)1H_C#6)VU!KO
MQ)-JD;SV6D1C1O$_AN!XAK-KKEKI@![A0!Y?\6/AA'\5_#UIX<G\:>,/!=I!
MJ%Y<Z@WA./P;?6WB;2M3\,^(O"FK>$O&/AWX@^#_`!/X>\5^#[[3?$EU+/I>
MIZ-<QFZL-.ND*364;``\P\8_LF?#CQ1X5E\#:7KGQ`^'_@^]^#^C_`O7="\"
M^)HK+_A(OAQX2T[Q#8_#W1M4UO7M,U;6H?\`A%Y_%?B*Z@;3]2L4UK^UKBP\
M6IXBT=_[-H#\#R_P?\%-:'C?X[Z]XB\*_'"R\*:;\4/`'CGP5X*NOB)X!\2Z
M5\<K;X.?#3X5Z+\.+^6ZU_QYK6MZ3XPT[XD?")M?CU35->\"W6OQZUX;B\:W
MVKVMG<Z9X?`_`S_A%^R9+JW[./A7P-\3-;^,'@SQ-<?``?`O4]"O?$WPX\1Z
MC\--"U^U\*V/QCT;P+K<.F>*K2^\/^.M0\$:3=0MKVI>)9M#THV-AX93PBD+
M:;9`?@?1]E\$8]-UK5O$&G?$[XH6&J:_I\=SKLME?>#;6VUKXDP^`=,^&,/Q
MBU;3H/!*V>H^,$\&Z+H]LOAZX@D\"K=:39ZJ/!XU:UBOD`/,-/\`V.?#6E>'
M-*\-V'Q:^,$$&A_#_P""GP]TO4-WPGDU&UL_V=_BG=?%;X.Z]^^^$[6DWB#P
M_J%[=:+F6TDL-0TJ7_B:6%]J:KJ:@'7^(_V:/#WB#PS\4_!D7Q`^*'A_PI\4
M]/\`&^F7/A[0M8\,KI7A.V^*OB&?Q3\7)/#5IJ_A&_34=0\8:W?:M-/?^*AX
MENM#CUS4K7PA-X<M;V6%@/P*'B/]F*#Q3K'B+7]7^-'Q@DU?Q%X?^">C2W<,
M'P;M_P"S=1^`7CNS^)G@+Q9IMNGP?\G_`(2#_A-O^$CU*]ANX[O2KG_A--5M
METR*TM='@T,`-?\`V7-'U#Q%HGB3PM\5OC!\.[G0_$&F^,H;?0-3\">+?[0\
M=Z9\+)O@C'XWUO6/C'\/O&NMZQX@G^%+V^@7(NM5DL[C[#'JDMHVMS76IW8!
MO_\`#/>C_P##./\`PS-_PGGQ`_X1+_A7_P#PJW_A+-W@3_A._P#A!/LO]C?V
M%]I_X03^P?\`D4O^*>^V_P#"/_;/L?\`I/VC^U_^)G0!T$OP>LYO%7A[QE)X
MX^("Z[I_A_P=X<\8W-CJ6A:-_P`+6L_A]J.L:]X+?QTVA^&[*33O[.\3^)/$
MVJS6G@Z3PG8:O_PD5]I>NV>J:`8M(@`_`X^;]F+P;/XR\+^+'\7?%""Q\#_%
M#7_B]X.\#Z9XRDT'P;H7C+QE'XRN?',\D&@6%CJWB73_`!%XB\<ZWK-W:^(]
M7UE;=I[C1M+.G^%M8UG0-9`"7]FCP\?A'XU^"MO\0/BA9>#?%W@^T^&FGK%K
M'AFXN?`?PJT^QN-'L/AWX*L]2\(W6D0Z?'X=O]4TB7Q#K.EZSXKOK6^B.I>(
M;RYTC1[C2`-O(H7W[/<&C:M<?$.W\>?&#Q3XFT?X@>%OC7%HMBWP;MKSQ1X[
M\%_`ZZ^!>K:?;KJ7@31],MO^$]\!&*QU2"?4=(L[:_$-WHEWX83SG(&QY?\`
M`_\`99CG_9Y\,^#?BO+\4-&\17?[.&J_L_:CX6\0>*O!NNW/PNTKQCH&A:#\
M5T\`Z[H`UM+_`$_Q+K?A+0M>TX>(M9\41Z-:Z=I.FZ/9>'M.CNM!0#\#U!/V
M7-'DUCQ7KFK_`!6^,'B.]\5^'_A_IDIU_4_`E[_8WB/X6^.[WXJ>`O'VB3I\
M/HKF+Q!H_P`3=9\1^(;;1[N>\\*Q_P!OR:*OAT>&=,T?0]&`+\7[-VGQ:UX*
M\2M\4OBA-XD\*_%"[^+VNZW*GPO6Y^)7C*Y\`V_PEAG\:V4'PRCT^PT^U^$\
M,GA.*U\(67A53:W<M_.9M>$6KP@'H'PD^&$?PD\,ZAX8A\:>,/'$6H^,/&/C
M5]5\:Q^#8]5@U7Q[XAOO%_B:WMQX'\'^&[$:?<^*]8UW5$22RDDADUJ>"*5+
M&"SM;(`]0H`Y_P`6>([/P?X5\2^+=13S-/\`"WA_6?$=]'_:.A:/YEGHFG7.
MIW*?VMXIU?2M%TO=!:N/M>KZIIMA!GS;R\MK=))HP#P#X*?M6^`OCGXJU#PE
MX6T[[)J&G>'[KQ'-)_PM7]FSQQNL[34=*TR1/[)^#GQT\::U;YGU>W/VNZTN
MWL$V^5+>1W$]K#=`'T_0`4`%`'A\GP(\/7OQALOC+KGB;QAXDU30-0U/6?`W
MA?79O#-SX9^&^M:[X&TGX=>(;WP->P>%X/$^E:?JWAO3)C?>'Y_$EWH%SJ.K
M76L/I)U:*RO;``\PN?V,_!,OPLT;X60_$CXP6D&C_#_Q+\)/^$P_MWPAJ7BJ
M]^$_B_P[X3\)Z]\.?L6N^!K_`,+:#X?N-"^'_@*+S_#_`(:T;4EN?"_]I"__
M`+3U[Q#>>(`#H)OV7-'E\1:EXT/Q6^,$?C:X\0:+XRTCQ-#J?@2'_A&/'=E\
M+-`^#'B/QOIOA*/X?#PEK7B#Q/\`#OP]!IEZ/$OA[7K/3/[3U67PK:>'9=3N
M&D`+_P`1_P!F+P;\1]*U?0[GQ=\4/#.E>*/A?:?"'QM'X;\922ZKXX\&Z';>
M)5\'0>)_%?BJPUKQ#<ZAH.I>,?$^HBZM=6M&U^36[NT\8#Q)I,K:<0/P,#XZ
M_#WQ-K=]^S+X8\&Z'\4+W1/`_P`4#KFM^/?"OCKP]'XF^'^E:=\(_B#\.O#_
M`(DU76OB3XT35O&^H0^(O'>B:K>VUU9>,(]9T_P]K\&O66K+?KI/B$`W]/\`
MV;M/T/Q#X9\3>'?BE\4-`U+PQX/^*WAE!9)\+[RVU?6OC9XF_P"$[^)/Q"U:
M+6_AE?D>,-5^(5KH?B5;:P>PT"SNO#MG9V6AV^C3ZAI>I`;>5C@-*_8MT/2/
M!OB_P&OQP^.%[X=\8_`_PK^SQ=P7B_!);G2_A?X,DUF'P_I6DW5E\%+=UU"#
M1/%7C/1VU"]^VW$MKXNO99';4;/2K[20#U^R^",>FZUJWB#3OB=\4+#5-?T^
M.YUV6ROO!MK;:U\28?`.F?#&'XQ:MIT'@E;/4?&">#=%T>V7P]<02>!5NM)L
M]5'@\:M:Q7R`'S!X7_98OK?Q]K_PSU27XX1_!?2/V</A/\"[+QS>^*OA'%I7
MQ4\$>$]:^*D_BGX6>+/#WA\+?1Z?-X4^)7AG0K+Q1:^#?#7B6UC\&^(/L'B7
M3Y-6FO?%X![_`.-?V;M/\5>-[?QYH7Q2^*'PUU2'QA%\19+'P4GPOOM*N_B)
M'\-+OX-OXSN(OB-\,O%5RNH2_"VXA\//I\%U#I`CL(+Y--35FGU"X`/4/A5\
M/;/X3?#CP7\,M,U[Q!XDTCP'X?L/"VB:MXI.A-KK:%HT0L]#L;Z3PUH6C6$_
M]GZ3%9Z?%,FGQ32PV$4EW)<W;SW-P!M\CT"@`H`S]6O+G3=*U/4+/2=0U^[L
M-/O;RUT+29-*AU76KFUMI)X-)TR;7=3T[38M0O)8UMX7U#4+"U629#<7,$(>
M5`#R_P"$7QAL_C#9ZQJ>D^!OB!X5TC2/[!M1J7C?3-"TB+4M=U'0K/5O$_A:
MPLM/\2:A?IX@\%:O=R>%O$L5Y9V<-AXDTG6-%AGN[O0]26Q`V\CV"@`H`^;X
M/VG?!L_C+Q1X3C\(?%""Q\#_`!0T#X0^,/'&I^#9-!\&Z%XR\91^#;;P-!'-
MK]_8ZMXET_Q%XB\<Z)HUI=>'-(UE;=I[?6=4&G^%M8T;7]9`,#Q3^V3\(_!V
MJ_&30]8MO&#:Q\%?!^N^.=<T/2=&L=<\3:YX>\+W.CZ?XAO],\&Z1K%QXA\,
M:?:ZEXC\/K#JGCC2O".F:IIVKIXET:^U'PG:WNO60&WD<?XD_:IU'3;S]H!O
M$?PZ^,'@+X<_#7X`>%?BEI/C'3/"/A6^^([?\)7KOQ3T./7=/\%7GB+7;O2O
MMVG^%-,U+2++QGX/TG^PW\->)YO']OHME';12@'M^K?'32M,\;ZGX/L_`7Q0
M\3:;X<U"]T/QGXZ\(>%K;Q+X9\%^)K/X:2?%L>&]9T73-7D\97^H77@N;P_)
M:7.A^%-7TZZU'QCH>BPWKZS=26%L`>0>'?VQ?``\/:<T?A_XX>)K3P]\#_A5
M\;O''CC6?`>BZ3;:'\+_`!YX9U?7I_B#XJU>VGT3P]K&H:7IN@7%WK&D^`[?
M5+BYNKB^L_"NDZM-X=U^S\-@'I_B/]HWP3X;^+"?!633/$%_\0+_`,/ZCJWA
MC1;6?PAIUYXTU;3_``UJ_B\>&/"VE>)/%FEZK>?:/#^A:L\?B^XTZT\#I?Z?
M=:%<^*[?Q!:7&E0`'F'PW_:FTK6?!OPE\9_%"'QAX`U37/V4/%/[1OC;3K?P
MK;3_``TA\,^'9/AX_B#Q/::QIYU_4K[4(8M8;4M$\.Z-K=[J-MH?B5V\5Z;;
MZM=:)"H&WE8[#7?VJ?"O@S3M0F\?_#KXP>"_$&E^(/A;HUWX'_X1'3OB%XJC
MT[XQ>*M3\&^!O%FWX,^(O&6E#P_>>(/#WBNS\EM5756N?#OV*'3)M0U[P[:>
M(@#T_P`)_%72O$WA[QCK-WX=\8>%]4^'>H7ND^._!&IZ1;>(O&7AS5;3PSHW
MC:'3(]/^&VH^)[/Q7J%]X-\2^&M6M+?PO?ZY),NNV]CM75HKK3[4#;RL>(7W
M[:OPLT;X6>!?C-XBT#X@>$?A_P#$#[)>:)K'C'2O#OA/R_#LGAW2_$.I>(Y8
MM?\`%5I_:'V7^T+RTL_#FD-J?BKQ1_PCVK:GX)T#Q/X?MDUB<`T(_P!IJ/PU
M'^TYKOQ0\+:AX,\&_`KXH>&?`?A_6+J[\&VL?BJ/Q5X-^&EYHEK+J#^/[FQT
MO4-1\5^.K&>/5?$$GA31K'1O&?AM]7NK"YTSQ*=$`/;_`(6_$OPK\7_`FA?$
M/P7=_:_#^N_VG#`_GZ=>?9]1T+6-0\.:_IO]HZ)?W^E:M]@\0:3JEC_:6C:C
MJFE7OV/[7I>H7^GW%M>7(!Z!0!Y_\2/B%9_#'0K/Q/JV@^(-6\/_`/"0:)I/
MB35M#&A"S\!Z%J]XMG??$/QE)KFNZ9]A^'^@^9'=ZUJ-D+^;3;#S]2FM?[/L
M+VYLP#0\`>++GQUX-\/>+[KP=XP\`2>(=/34U\(>/[+2M+\9:-;7$DALX_$.
ME:-K.J6^DZA/:""Z-A)>&ZM5NEM[Z&TOH;BTM@-O*QV%`!0!Y?\`%OX81_%G
MPSIWAB7QIXP\"Q:;XP\'>-8]5\%1^#7U6;5?`?B&Q\7^&;>X'C?P?XCL?[/M
M_%>CZ%JCI%91232:+!!+*]C/>6MZ`>8:#^S%!H'_``KS;\:/C!J7_"N/C!X[
M^->G_P!I0?!L?VWXJ^)/_"2?\)=I^O\`]F?!^SW>'[K_`(3OXD;(--_LVY@_
MX6#J7DW:?V=H7]@`&?:_L<_"];G2DUOQ!\4/$WAWP]\+_'GP1\-^!]3\>:AI
M/@W0_@]X\TKP_H,_P^CTCP=!HCZQI^EZ)H"6EIJVMW&J:[<M<6]YK6K:MJ/A
MWPU>>&P-O*QW^I_!&/7O!L?@KQ+\3OBAXEM+[QAI/BCQQJ&LWW@V:Y^)6E:7
M)9+/\-_%6C6W@F#P]I7POU;3=,TS3=8\/^$]$\,QZM:PWRW\D\WB+7YM<`/,
M/C5\,?%]E^SQX3^%7A^'XP?'C4-*^('P5?4M;F\;>"?#WQ3N_"'@'XM>$_B%
MK>KZEXZF\0_#V/\`X2"'PSX3FTBRU?3;N#6YM1NM*N[FX-PVH:U``=__`,,]
MZ/\`V/L_X3SX@?\`"P/^%@?\+2_X7#N\"?\`"=_\)W_P@G_"J/[=_L3_`(03
M_A`_^22_\4A]B_X0O[']C_XF'V?_`(2#_B<T`!_9U\*W&N_$*_UOQ5\0/$_A
MCXE_!_0O@=XD^'_B+7-.U#0F\">';/7K+3U3Q6-$C\?7OB!T\8>.9;C6=4\9
M:A>74WC._FN)9'M=+.E`&A>?!&/4/#VDV.H?$[XH7WC30/&$GCS0OBO>7W@V
MY\9:+XFG\,ZGX$FNM)\/3^"6\`:;I\G@#6M8T!M*M_!,>G,NK7NL&U/B:ZEU
MQP#D/%/[+FC^*?\`A:%O+\5OC!IND?%;X/\`ACX':YI$.I^!-;_LWP)X6_M9
M+1=-\1^-/A]KGB34?$%Y;>*O'L-[K/B#6]<O+G_A/M5G,JW=IHUQH8!W_@/X
M/6?@3Q?XO\:_\)Q\0/%.K>-O[%NM9M?$>I:%:Z$==T[P3X"\":KXI3P_X0\-
MZ%87'B#6](^&GA&6YEO8+N'3YK:_3P[!HEIKFJVNH@'L%`!0`4`%`!0`4`%`
M'E_Q>^+'A[X+^#9O&OB:TU"[TV'4+#3!'97GAG1;9+G4)'6*35O%?COQ%X>\
M)^$=/VQR*M_XE\0Z-:W%U)9Z59S7.LZOI>G:D`>(:S^VQ\)],O((M)\-?&#Q
M?I$GA_X%^+W\3^%OA;XEGT)?"'[0VNMX;^'_`(@L3J\.GW_B7?J\^C6\NC^'
M[#5M;N)M9EMM*TO4KOPUXHM_"X!W[?M":/=Z=X4/A/P'\0/''BWQ3_PL#'PZ
MT!?`FF^*M!_X5+XJLO`/Q5_MO4_&GCO0?"C?\(O\0-4TKP[<_P!F>)=2^WW.
MHQW>B?VKI$5QJ5N`8%_^U;X)MO"OQ*\:Z3X2^('B7PQ\./@_\.?CW'J>CVGA
M"U_X3CX3_$K3O$^K:=XK\'67B+QGI=W#_9FG^"O%<NH:9XD@\.ZD/[%=+&SO
MGNK-;L`OP?M.^#9_&7BCPG'X0^*$%CX'^*&@?"'QAXXU/P;)H/@W0O&7C*/P
M;;>!H(YM?O['5O$NG^(O$7CG1-&M+KPYI&LK;M/;ZSJ@T_PMK&C:_K(!T'[/
M_P`3O$WQ9\$:SXF\5^"]0\"ZEIOQ0^+W@JWTG4)/#SR3:5X#^)?B?PAI=P?^
M$<\8>([?^T+>TT>/2]4<WL4<VLZ+K$^G1/HT^FW5Z`>X4`%`!0`4`%`!0`4`
M%`!0`4`%`!0`4`%`''^/_&NE?#GP;XA\;ZW;ZA<Z5X;T]]0O(-,BMFN6C$D<
M*F2ZU"[L]-T73UEE1[O6M;U#2]&TFU6XU/6M2TW2;"\OK0`^8-8_;H^$>F^&
M='\3Z1X;^*'C6TU?X7_$WXL`>"O"ECK6E6/A[X-^(;;PU\3+2X\>-KT'@F\U
M#0[X:T[W&F>)[_3+N/1(/[.U&\F\6>#HO&`!Z?\`\-%>%;C1_M6C^%?B!K'B
MF?X@?\*TTOX:_P!AZ=X:\=ZKXJE\"?\`"V[&T^S^.M;T+1]`^T_!QHO&WE>(
M=9T:YM;.7^R-0M[/Q7%-X>A`#0OVA-'\2:QI^@:)X#^(%YJVJ?#_`.*7C*PM
M-O@2V\_Q'\%_'>F?#3XE_"?S[OQW%#%\0-&\;:SINF_;))$\*WGVG[3I_B:Z
MM(Y+A`-O(X"S_;2^'&H6;:EI_@GXP3Z1IOP?^&_Q[\7:V_@B+3]"\$_"?XC:
M%K?B7_A*]7US5-:M;#7O^$?TG1)GU'3/"EQXCU*[F:[M/#MGKUWX>\10>'@#
MT_X4_$[Q-X[\;_'_`,,:YX+U#PQIOPG^*&F>"O#.JW4GAYH_$6E7GPT\">+Y
M+B4:/XPUB=M0:[\23:I&\]EI$8T;Q/X;@>(:S:ZY:Z8`>X4`%`!0`4`%`&?J
MUE<ZCI6IZ=9ZMJ&@7=_I][96NNZ3'I4VJZ+<W5M)!!JVF0Z[IFHZ;+J%G*ZW
M$*:AI]_:M)"@N+:>$O$X!Y?\(O@]9_!RSUC2])\<?$#Q3I&K?V#=#3/&^I:%
MJT6FZ[IVA6>D^)_%-A>:?X;T^_?Q!XVU>UD\4^)9;R\NX=0\2:OK&M0P6EWK
MFI-?`;>1[!0`4`?&'@_X-:UXJ^,/QW\3>.M'^*'@WPIJ?QP\`>/_``]H-UXI
M\`WO@'XIVWPU\#?"O2/`WB&71]$UW7];\*:AH'Q(^%<_B6-K)_!5UK%EJ?AN
MS\2+K5K82:'H`'X&AXX_8Y\->,[SQ&;?XL_&#P9X?\3>'_C#X6O/!WA9OA/-
MH5IH7[06NZ;XL^-%C8WOB_X3Z[KR?\)3XMTN+6)9I]:N)M.FGEM]$DTS3REG
M$!^!T'Q#_9<T?XE?\)(^N_%;XP6-SXS^#^@_!OQA<Z!J?@32/^$HT?0_^$[M
MW\0ZU8P_#YK"Z\0:AI/Q0^(5A<V@M$T*/_A)(]1L-%LM;T'0-4T(`Z^R^",>
MFZUJWB#3OB=\4+#5-?T^.YUV6ROO!MK;:U\28?`.F?#&'XQ:MIT'@E;/4?&"
M>#=%T>V7P]<02>!5NM)L]5'@\:M:Q7R`'S!X7_98OK?Q]K_PSU27XX1_!?2/
MV</A/\"[+QS>^*OA'%I7Q4\$>$]:^*D_BGX6>+/#WA\+?1Z?-X4^)7AG0K+Q
M1:^#?#7B6UC\&^(/L'B73Y-6FO?%X!]'Z_\`L]Z/K/Q,T3XFZ=X\^('A.YTK
MX@:;\4K[PIH#>!+CPKXE\=V/P]F^$5UKNMGQ3X$UC6X/[0^%,J>%KFRTC6]*
MLUMK:._L[>UULR:K*`<!X?\`V,_!.B6?AC1-0^)'Q@\7>$O#GP?\7_`NX\&^
M*==\(3:%XA^''C;0O#?A?6=&OIM'\#:=JOA['A_P-\/K:(^$M3\-H)O!<6I2
MI+J^O^)K_P`3`;?(Z#7?V8H/$FG:@NM?&CXP7GBW5/$'PMUF_P#B+Y'P;MO%
M4^G?!?Q5J?C[X:>$_P"S+3X/Q>%(O#^C?$#6=2\1>='X:35;RYN?LFH:G=:1
M''IJ`;>1W_ACX22^$]1^,VK:?\2OB!/J'QF\0/XIN9[VW^'#_P#"!:ZOA73O
M!5C?>!8K?X>01M]B\,^'_"-G##XG3Q-"_P#PB5C-<QW%Q=ZI+JP&QYAJO[(W
MA+5?A'X0^$1^(?Q0L;3P;\+_`!5\$;/QG93_``\/C+4_@]XTL=&TSQ!\/M6%
M[\.KCP\=/GTWPKX,MUU:R\/V6NQ+X1LWCU99KS59-6`-_P#X9H\/37/CF^U;
MX@?%#6]2\<ZAX&\33W=YK'AFPMM"^(?P_P!*^%UEHOQ-TGP_X>\(Z;H6H>,&
MU7X,?#C6FC\0:7KFD6]UHE[:Z=I5CHWB+7=*UD`]P\+:!_PB^A6.B-K7B#Q'
M/:_:IKS7_%.I?VGKNL:CJ%Y<:EJ>I7TT4-O:6GVC4+NYDBTW2[/3M*TZ%XM/
MTC3]/TRSM+*U`V\K'04`>?\`Q(^'MG\3-"L_#&K:]X@TCP^/$&B:MXDTG0SH
M7V/QYH6DWBWM]\//&4>N:%J?VWX?Z]Y<=IK6G61L)M2L//TV:Z_L^_O;:\`-
M#P!X3N?`G@WP]X/NO&/C#Q])X>T]-,7Q=X_O=*U/QEK-M!))]CD\0ZKHVC:5
M;ZMJ$-H8+4W\EFMU=+:K<7TUW?37%W<@;?(["@`H`*`"@#G_`!9XIT+P-X5\
M2^-?%-]_9?ACP?X?UGQ3XCU/[+>7O]G:%X?TZYU;5[[[%IUO/=W?V?3[2XE\
MFU@FFD\O9%&[LJD`^4/&WQ\^(=CK_P`&M0MOAS\4/`VE7?QP\2?"SQI\+==\
M$>$M=\??$>YO/V>O&OQ%\#S^!O%/A7X@:YX8M/!X\2V>F6]]JYU""UM[W3KH
MZUKGA[2?#6O"_`V\K'8>,_VMOA9\/?`GAGXA^+(O$&B>'];\0>*/#.M/J2>'
M=+_X0?6/`.L:IX<^(>EZ_J.J>)+72M>\0:!X@T36K%/#O@W4?%6N^(_[%U*[
M\&Z7XDT_3KN\MP"_!^T[X-G\9>*/"<?A#XH06/@?XH:!\(?&'CC4_!LF@^#=
M"\9>,H_!MMX&@CFU^_L=6\2Z?XB\1>.=$T:TNO#FD:RMNT]OK.J#3_"VL:-K
M^L@!-^TAI_\`PF7A?POI/PM^*&OZ)XQ^*&O_``AT#XC:8_POMO!MUXR\&Q^,
MG\>P26.N_$W3O%EMI_AMOAS\04N[J7PPBW;>$K@Z,-46_P!+;5`#0^!?[2_P
ML_:'_P"$I_X5KJW]H_\`"*_V)>7'^G^'=1^U^'/%7]K_`/")^(_^*9U[5?\`
MA'_[5_X1_7/^*<\2?V'XJTS^SO\`B>:!I7VNR^V`'T!0`4`%`!0`4`%`!0`4
M`%`'G_Q"^'MGX_L]!']O>(/"/B#PCX@'BGP=XP\+'0GUWPOKLFA:[X3O;ZQL
MO%FA:YH.H_;/"7BKQ/H\L.L:+J<*0ZY+<6\<&H6UG>60!\X:'^Q;H>@:*="M
M_CA\<+FTM/!_P0\%>'Y+Q?@D;GPOI7[.?CZW^(WP?N-)>T^"D"7FH:'K8U2!
MGUF/58]0M=?O4U**[FBL9]/`._@_9NT_2I&OO#'Q2^*'A/Q%!XP^+WB;1O%&
MDI\+[[5?#NB_'+QE8?$7XB_#W3++Q1\,M6T>Z\'WOCO2M+UJ&YU32M1U^TDL
M$M8-<33I9[*<`H>,?V3/AQXH\*R^!M+USX@?#_P?>_!_1_@7KNA>!?$T5E_P
MD7PX\):=XAL?A[HVJ:WKVF:MK4/_``B\_BOQ%=0-I^I6*:U_:UQ8>+4\1:._
M]FT!^!GW'[)^GMI7C#1[3XV?'"RM/%_Q0^&_Q8EFDO\`X7Z_JND>(?A1;>%[
M7P7:6>N^+_A7J^I:QI]O%\/_`(:M<W'B*[US4]0D^']A-?:C<3:KX@?Q$!L>
MO_#;X5:5\,)/&#:5XB\8:W%XN\8>*_%_V'Q'J]M<:5X;D\8>,O%/Q`U71O#&
MCZ5IVGV-EI__``E?C7Q/=F^NK>]UFYCOK2SO]5O+'1-(MM*`V\CU"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`X_QYX*TKX@>&;KPQJUQJ%A$VH>']<TS5=)E
MMH=5T'Q-X1\0Z5XO\(>)-,%]:7=C<:AHWBO0M&U6&VU*RU#3KB33D@U&RO;&
M:XM;@`^8$_8MT.2VUK3]8^.'QP\0:5KW@_\`:!\%:CI>IK\$K6V?2OVFM5;Q
M+\5[B.?0/@IIUY%J%YXR33_$%HZW7EV5UI-O;0Q#29+K3;P#;Y'?M^S=I_V[
M7M<'Q2^*$?BO6/&'A+XBZ=XL5/A?_:OA3XB>'/A';?`W6/&>@Z>WPR.B7&H>
M*OAO!+IVKZ?K6DZQI$,E[-=Z#INB72PS0`;&@W[.OA6+3O"EKI?BKX@>']6\
M.?\`"P(=3\6Z!KFG:7XJ\9:=\8/%5EX[^,>FZWJ$.B>3X=_X3+QMINGZW<ZE
MX+M?"FJZ-<V<<?A/4/#UINMF`_`\PTK]B;PEH7@WQ?\`#_2?B]\<+?PIXS^!
M_A7]G[4-.O-8^'FO7-AX!\*R:RUNFDZQXD^&>H:E;:A<Q>+_`(@VS"6\GLK*
MU\>7MGHUEIEKHOAJ'PP!^![?X#^#UGX$\7^+_&O_``G'Q`\4ZMXV_L6ZUFU\
M1ZEH5KH1UW3O!/@+P)JOBE/#_A#PWH5A<>(-;TCX:>$9;F6]@NX=/FMK]/#L
M&B6FN:K:ZB`>P4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!
M0`4`%`!0`4`%`!0`4`<_XL\+:%XX\*^)?!7BFQ_M3PQXP\/ZSX6\1Z9]JO++
M^T="\0:=<Z3J]C]LTZXM[NT\_3[NXB\ZUGAFC\S?%(CJK``\?G^`LMYJ/PSU
MG4_C)\8-5UGX;?$"_P#B1_:.I77PXN/^$PUV^\*W?@+['K^E_P#"METSP]X?
MA\!:IKNAIIO@BQ\(PO\`\)#J6L7`G\1W']M(`<!?_L<^&M3\":KX(OOBS\8)
MY];_`.%UZ?J?C+=\)XO%5SX0_:)UBU\4?&/P)Y$/PG3P_#X?\0>,+*VUS[9#
MH,>MZ?<Q?9M+U>QTQFL&`-"X_95-WI7C#3KWX_?'"[N_&_Q0^&_Q>UK79+/X
M#1:JOC+X6VWA>#PQ/9PVGP,ATVWT]I?`/PYN+FU;3Y%ED\"6`4QPZCK46N`;
M'C_@WX._%KP1\=-?\:Z=H/C"_P#%_B?XH>*+G7?B3K.E_LPW7PJU+X+^)OB3
M-XDA\)7OC&#3(/VA;S4-#^%`T?1='TNXGETFQ\5^%-"L@9/!&F124`?7_P`+
M_A5I7PGTIM"T3Q%XPUC1++3]%\.>%=&\2:O;76E>!?!'A>VGL_"G@GPQI^FZ
M=86YT_2[2ZG@.MZM'JGB74XQ:)KNNZJNEZ<+`#;R/4*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`
9H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>p4.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 p4.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`"X"#0,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`^(/&/[6W
MBKPY>?&^/3?A3X?D@^#OP_\`BE\08M%\:?$[4?A[\1_$6C_"37="TO5M:'P\
MU+X87=VWP_\`$VGW'BN_\*>-_#5WXNT+47\.VNG:M=Z!J>I36FD`'8?$_P#:
M1\3?#+Q;XS\-)\'M0\;Q>'M0_9HCT27PAXW\/6^JZOI7[1'Q$\5_#%+W6=.\
M:6_A^Q\/ZAI7BOP?>65I96FKZW'J4FO:')>7>AV,NJ7N@`'/V?[3/Q0U/XH3
M_!#2O@+I]U\2-)T_Q?)XBUF3XN:?:?![3-5\*Z?\%_%+6=GXND\%GQEJFGGP
M7\;_``@US>_\*XMY(-=U.PTNTM-1TLZMXB\.@;>1Q]M^T7_8NL?$[XU6UQ\0
M/%G@GQE\`/V*?'7PV^&VJ0[_`/A&M8^/'COXO>!M#TNST/P-H>L7\']HZO+X
M3NM=N=.L?&FNMLN8M,AUF+3=$T2(`T/&?[8_C+POX9TW6K/]G+QA)=R?`_XV
M?&?64\8>(H_AMI6DVWP&\0Z+H_B[38[/Q3X;C\;/I^HV.I+J.BW^H>!-)NKV
M/Q1X+^T:590ZKXBN/`(&WD=AXI_:JO/#/AJ^>7X5^($^(=O\8+7X.0>!'FUW
MQ)%;Z[J7PGM_CW83:O?_``A\&>.];?R/A3>6ZZBGAOPKXGAL_$D5WIT5U>>'
M;4^+W`,_6_VL/$VFW/C2\M_@'XPTSPI\-_@?\/?VAO&VK>/?$OA[P=XAL?`/
MBS2O'6L>(-!T[P/IXUW4G^*&DQ>!]4T^UT#66T*RN]3T+Q%;ZEK.A6MGHE_X
MP`-#3OC7\1_#<O[66K^,]`\/ZII'PO\`C!X5\%_"[2=(\4RR7EY%XH^''PAO
M=(T/48D^']G?M]JU?QYI&LM!I%OXW\275_XNU?PWX<T;7[O1O#]MXL`V\C/^
M&OQ6U7XJ_&/X-^+K34/&'A_P[XG^!_[36E:[\+]3^TZ?X>TKQ]\'_CE\%_`.
ML>((]-U?PSH?B&ZU`ZE>^);&TG\46.G7MOIB6_\`Q(?#FHZEKEG<@;'8>-?V
MC-1\#^._B]H&H?"KQ`W@GX(_!_3/C7XP^("^)/"J_P!J^%;[1_BA>OI_@SPI
M#?S7^I>()-7^';Z;:0:O)H-M+]C\2W-Y=Z?%IF@#QT`9^A?M&>+=>\)>&I8?
MA%J&B?$CQ?\`%"^^%7AKPWXUN/B'\//!&K:KIWP\UOXM7?B*W\4^//@]H_C)
M/!X\%^'-=L$OY/AG')+XETN?2HK=]+7_`(2$@'A_@?\`:9\5?#'X7>`].U[P
M;\8/B[X]\2_$#]J_4-2L+[3M1\7_`!'M_!WPC_:)\1>%M7TRXM?@QX/\4Z+<
M?$"UA\3^$M(TO3(5\,>!`]I-9CQ3H%A!I4=^`>P?%3]IWQ?\//B%XG\$Z/\`
M`CQ!XNT_PC_PSW<7OB)?'?@G0/\`A(+/X_?$S5?A5I=KX,TB[NYY+OQ!!XFM
M(HK2U\0S^&+"[_L?Q*^H:IHEO9:%<>,P`L_VE?'?B+Q+X,\#^"?@C_:OB;Q/
MX?\`C3<ZAJ^N_$G1_#OPXT#Q5\`_BQI'PC^(6C'7K70=5\4ZIX?77;J[EL-9
MB\#Q7-VFL^$P^DVZ:EXAF\!@;>1Y?KG[37C+4=*^.WQ"MO`VH>(O@A8?L8?"
M#X\^#_#&B>/X_`_Q0%M\2;;XL7^I7M]JFGZ38/X,U!]$T#4!J5WH_C/6+K1+
M?X>:9?\`AJWU;6/$D]AI@![_`*_\>-5T;QEK]C;>"M/O/A[X)^*'PT^#/C3Q
M/-XNN;+QE;>/OBQ'\-#X7?POX$C\)7.FZ_X/AE^,GP^6_P!3OO%VAWL"_P#"
M0M;Z3>'2K%=?`,#X;_M(^)O&FJ^$O^$C^#VH?#WPUXW^*'Q5^#.@7.K>-_#V
MN^+1X^^%US\4[V_?4_#?ABWO=(L_!\OAWX2^)8)M3B\47-[#XB@?3;72=0T$
MVOBS4`#ZOH`*`"@`H`*`"@`H`_/#6_VJ?BYXL\*:O>_#_P"'_@_PCK>C?%#]
ME[2VT+QC\2K[1OB'I7A[XQ?&B#PE>>$?BW\+]8^#UQKOPE\87NE0:%9S^9I^
MK:9)I'Q!N_$'A'Q%K[>'K=-6`/</$?[15YI/QJ3X,:3X%_M2]U3^T?#7AKQ%
M<ZQKMMH5Q\3K?X8ZO\7+'PYXIUO0_`NMZ#X*\/S^$M(D63[9KLWC6.:YM;^'
MP!=>&;ZR\1WP!X_\(OVL/&U]H7[-7A?Q=\/?$'C/QMX_^#_P4\=_$?Q/X+TK
MQ?K]GIMG\8[S5?#G@_Q<3X6^%B>&]&\VY\-:OXA\5VGB35?`UAH-A]J3PU<^
M,)=/DMP!MY6.@U?XJ>._&/QJ_9[N='L?$'AGX5S?M`?'#X:/<:7XMT>2S\;Z
MC\-?AC^T!X:\0VGQ-\)R:%:ZGI/V?Q[\.KO4?"<6C:[XBTK4+"RN]3\26^CZ
MU:Z!90@;>1V'Q(_:1\3>`O&7Q9T*W^#VH:EX4^"7PO\`"WQF\;>.=1\;^'M'
MMM1\`ZI'\0Y_$">"/#VGV^KZEK'C"WB^'^J0:3IFLQ^';+4KK2M<34M6\/VM
MMHE[XO`.?\2_M%^)IO$/C'P]=?`SQA;>%/`/[1_P:^"VH^+X_BCX>\.W,^J^
M._$WP5O_``MXN33?"VL2ZE/X/$7C^"YU'2))WDO[75?"NE7UA<6OB7QC!\.`
M#H/AO^TCXF\::KX2_P"$C^#VH?#WPUXW^*'Q5^#.@7.K>-_#VN^+1X^^%US\
M4[V_?4_#?ABWO=(L_!\OAWX2^)8)M3B\47-[#XB@?3;72=0T$VOBS4`#G_\`
MAH+QEKW@CP=X]U?X*ZA:_#3XC>,/V7+KX;>)O"_Q?CM=5?P]\;/B7IEAIFJ_
M$C2X-.T'4O"^H>'XKGP1)K'A?1IO&FF:S)XWBT-M0O=%77;^P`V\CH/AO^TC
MXF\::KX2_P"$C^#VH?#WPUXW^*'Q5^#.@7.K>-_#VN^+1X^^%US\4[V_?4_#
M?ABWO=(L_!\OAWX2^)8)M3B\47-[#XB@?3;72=0T$VOBS4`#Q_6/VD-5^+>@
M>3H$?C#X7ZEX,^.'['?B`2:)>W,FE?$+X4?&/]H;1_!&E:;?>)M4\&Z?;ZWI
M^I6FD>)9=2G^'6I^(O"M_';Z9%H_COQ1HVHZO9L!M\C]#Z`"@`H`*`"@#Y0^
M&_[2/B;QIJOA+_A(_@]J'P]\->-_BA\5?@SH%SJWC?P]KOBT>/OA=<_%.]OW
MU/PWX8M[W2+/P?+X=^$OB6";4XO%%S>P^(H'TVUTG4-!-KXLU``\_M/VV;F\
MT7Q!J&F_!'QAK^I:3XP^!6GZ=I.@ZWI5I;:GX&_:#\?:EX!\#>*[;Q/X\M?"
M^A>(M0;5=#U*W+^"=0\9^#[VZU/03I/CG4=&NM7USPP!MY6"Q^-/Q<L[GXKP
M_%7P%I]W8Z%^U?\`LX_"?0K/X9?%>^%MX&MOB#I7P!O9KO6?$$_@CP-JVO\`
M@^S\1>.-)U*2WCM-7NM<NO&VH>&-2TZV\+:?+JLX&WD=!\0?V@O&4'P[^.'C
MBV^"NH>(_A!X)\'_`!YM8]?\,?%^/P?\0[_Q#\&O%LWPX\5Z5J&F+IVD3^`=
M/NKO2_'VM:;XH\->*M?U.#2/!8NTT^VU_4=.T60`Z#_AI'Q-'XR\<Z7??![4
M-%\#?#KXX>!O@AKWB[5?&_AY]:U;5?BC'\+K'P%KGA#P?H-OJ::AI\FM_%30
M+K58=:UKP])I^@:AIU_:_P!J:Y)JGA?PZ!MY6/+_`(N_M9^*K+0OVE/#/@'P
MI_8OC#X??!_XU^-_AUXSOK[4;C0KO_A3%YI7A?X@ZM<:I-\/=0\(7_B#1=9\
M16-[I?AW0-;\;>=-ILVB^.CX#UA;C3(`-O(]0U;XXZKX4\6_$?3=<^'&H67C
M+P]X/_9;TVTB7XD7.I^`/%/BWX^?$3QM\.?#5IH*"Q8^&_!^C_$)YM/U?QC/
MX5T_Q%J5E:S3OX;N[;P_H,&I@;>1GZC^TKX[T[5O#G@>+X(_VU\1M2^,&K_!
M3Q!!H/Q)T<_#CPSXJB^!R?'GP]J`\9^(=!T?Q!K/A^[\'ZGI,M_/;^!TN;!-
M(\6"VM-4O=-T"P\<`'O_`,,?'7_"Q/"$/B*32_[$U"U\0>-O!VO:4E]_:=G9
M>*OASXV\0_#SQ;%I&JM9V<FK^'SXF\+ZLVG:A<6&F7-W8/:7%SI^GW$TME:@
M'H%`!0`4`%`!0!X?\6?B!<^"_%?P7TFW\!^,/&,GC'QAXUL=/N/#'BS2O#=M
M8ZUX<^"_Q,\9V&AZAIFI>)]*M_%^H>(+3P_JECINFZSY>@6UU"-7U+4M-OM&
MT<WH!Y!X2_:ZN;KP#IWQ*^(7PLU#P1X=\1?LX>*_VF/"^GZ-XMTKQIXFO/!O
MPYT7P1J7CNQUBP&GZ1INCZA<2_$'P[-X9$.L:BVJZ=--<:['X3U&%]'`&WD<
M?)\:_B/\,/B%^T=XF^*&@>()9M$^'_[*=OX5^&N@^*9?'O@2V\2_$_XF?&'X
M;Z3=?#R[\,?#^R\4W/A_5==?PQ_;UU?>!KWQ8+S2M8M]*TO7M,TOPO;7X&WE
M8]0UW]H7Q]IOPO\``WQ,TSX(:A-%XDU#7/"6N^&/%7B+6OASXFT7Q]<ZA?\`
M@KX4:=I6B^,OA]9ZAJ7@_P`?_%B/P[X=LM<URR\*WNF:?X]T#Q#JVB6UB-8B
MT``Z_P")/Q;\=_#^7X+:#9?"7_A+_&'Q=\07W@ZYBTCQYH^F^"?!?BJR^''B
MCQRT6H^)M>TVSUK5_#YG\+ZF6U"P\)O<C2-'U>_73Y-8CTCPUXD`/,/%/[7D
MGAO1?`DMC\)O&'BSQ7XBU#XR6GB+PEX+T_QEXTN=/C_9[\?6?PP^*<7@^7P3
M\/\`6;SQ%J%QXRU"TC\,2^)-,\#:-J=K,LNOZWX3NIH+&X`.@N?VD?$UOJOQ
MBLV^#VH:9IOPN^*'@[X,Z1J^O^-_#UO'XV\??$^Y^#^G?#AX;'PY;ZY/X>\'
MW-W\6+/4-9U.[66]TO1I-$N+/2=9UG4-8\/^$`-O*QG^//VF/&WPQT[P!8^+
M?@9X@O?B-XK_`.%G:UJG@/X<7GB_XJ_9O!/PN\5:/X?O=6\)ZIX%^&-]=ZUX
M@\0Z?XL\&:GH=CXET?P1I'_$[FLO$/B+P[>VT,5^`:'_``TCXFC\9>.=+OO@
M]J&B^!OAU\</`WP0U[Q=JOC?P\^M:MJOQ1C^%UCX"USPAX/T&WU--0T^36_B
MIH%UJL.M:UX>DT_0-0TZ_M?[4UR35/"_AT#;RL=?^S9XR^(_CGX?Z]K/Q/M/
M#]IX@L_C!\=/"UDOAS7)==LUT+P7\7_&GA+3+%[F3P7X9V_V3_8L^AV\QL99
MM1L-"L-8O9(=0U>[L-.`/H"@`H`*`/']#^`GPG\/WGC*\M?"G]I?\)Y_PFB>
M(]/\5Z[XE\;Z$UG\2==N_$_Q%TC0O#?C/6-4TKPCX?\`%7B"\:_UO2-!LM,L
M-6FM;%K^WN/[.LQ;`'@'Q=_9"\(7GAR^E^%OPP^'_BGQ[XH\0?""U\?:_P#&
MSQWXVU?4?%_PX^&/Q3T?XJWGA;Q'XT\1^'/B%K7B?^V)_#^G^')HM3B='TH:
M1%=3W-AX,T72$`_`T->_9;L;SXN?#?4-.\-:>_PT\+^#_B?;:[XQO/C5\7+/
MX_#Q]\0[[X<O#XMTGQM!8W/B>_U"Q\-_"K1_"+:I<?$:QO9?#GBN]T0"/1=$
MBTK7`/P/7V_9R^#PU77M6B\,:A9R^(?!_A+P'<:9IOC/QSI?AG1_#/P_N;:_
M^'UKX+\'Z=XE@T+X>ZAX4U6V&IZ!JOAC3M(U'1-1NKW4=+NK2^U"[N+@`S]4
M_9?^"NL_8UU'P[X@D@M/A_XZ^&+647Q)^)UGIVI>$/BA]ND^)$/B'3+/QC%:
M>)_$'BG4+]]4UCQ)J\-[K>I:K::?J]YJ,VIZ78W=H!MY6-!OV=?A48]>!T_Q
M@+OQ'J'A+6=0UI?BK\5T\36WB'P5X-MOAWHWBK0?%2>-AK'A7QA<>!+2+0-7
MU_1;[3]3\0:<\UKKUWJ4-S,LH&WD9^L?LO\`P5UK_A,8KGP[X@L=/\>?#_P]
M\*O$F@^'OB3\3O"GA63X<>%?*7P_X+T?PEX7\8Z?HOA;P_9P"^MUM=$L-.1K
M;Q%XAMI-]OXDUB+4@#0@_9R^#T-SXHOI/#&H:AJGC#3]`L-9UO6_&?CG7_$,
M<GAG2O!ND:1KF@^(=<\2W>I>$_&"Q?#GX=WEQXFT.ZT[6;W4_A_X9UB]O[C5
MM`TZ]LP#/\$?LQ?"+X=^*M(\9^%K3X@0>(-"_P"$R_LV;6OC9\;/%NG0_P#"
MQ-1&M^._.T#Q;\0M3TJ]_M[Q!';ZSJ'VJRF^TZK96>J2[M0L[>YA`V\K'82_
M!KX=W/C+QKX[U#1]0UC6_B+X/M/`'C6QU[Q3XMU_P;KW@VQCN([7P]<_#G6M
M=NO"<.GQK?ZR0MOHL+%O$NO,6+:_J9OP#/\`^%$?#/\`X17_`(1'^R_$'V;_
M`(2#_A+/^$D_X3_XA?\`"S/^$J_L[^PO^$E_X6__`,)3_P`)S_PD'_"+?\4U
M_:/_``D7VG_A'O\`BGO,_L3_`$"@#G[']EC]GW2-"M_#&A?"[P_X<\/P>(/%
M/B*;2?"\FI^&+/5I?'%Y:WOC+P_XDCT#4+/_`(2GX?ZY_9VB6FH>"M8-]X;N
M[#PQH&FSZ4^G^']+MK``T/%?[.OPJ\9^(?%GBGQ%I_C"XUOQMI_@C3->N+'X
MJ_%?0[86WPV\3:=XS\!2:'I>@^-K.Q\):AH7BO35U:RO]"MM-NH;K4]8F6;=
MKVJ'4`#R#Q#^RW8WWQH\':WI?AK3X/A;I^G_`!RUS7-53XU?%S0?BAX=^*'Q
MQ\5^"O%_B'Q)\+AI%B\_@C3YKOP+<VEW;>'?&GABWNK?XJ>*T-DD#7MKXI`_
M`]/\8_LM_`GQWYJ>(/`VVV?X?Z/\+8M-\/>)O&/@S1]/\":!_P`)##H^A:/H
MG@[Q!I=AHGV;2?%_C'0UO=/MK:\.A>,O$/A]KAM$UW4-/O`#H$^!'PSCUW2/
M$3:7X@N=0T?_`(1R<V^H>/\`XA:EH6OZQX1L].L?#'B[QUX6U#Q3-HOQ&^(&
MF0:+X>:V\7>*K#6==BF\+:#<+J/VC0=-EL@#G]'_`&8OA%H/_"'?V;:?$!/^
M$!^('B'XI>%OM?QL^-FI_8O'?BSS?^$FUV]_M3XA7']N_P!J?;-:^U66J_;;
M.;_A+/$^^W/_``E.M?VH`?0%`!0`4`%`'R!\+?VB_B3X[\=Z%X4U_P"#/_")
MZ1JG]I_:]?\`[+_:QMO[/^PZ/J&I0?OOB7^Q?X$\-IY]S9PVW_$R\5Z5G[3B
MV^U79@LKP#;RL?7]`!0!\_Z7^R_\%=$\"7?PXT[P[X@A\,7?_""HLDOQ)^)U
MWXJTRS^&&L6/B'X;Z1X>\?WGC&7Q3X8\/^%M=L$U#1M(TC6;&PTVYN]0FL[>
M%]4OC=@;>1H7/[.7P>F\3>$O%EGX8U#PYJ7@;4-!U;PQI_@KQGXY\!>$K#5?
M#/AYO!VBZG<>`O!7B72_#.K:A!X'*^%'N-0TFZDG\.P0>'[AI=&MXK&,`S_"
M?[+?P)\"_P#"-?\`"+^!O[-_X17^QOL>_P`3>,=1_MK_`(1;[-_P@O\`PGG]
MJ>(+G_A9O_"&?8K#_A$O^$O_`+<_X1+^SK/_`(1K^ROLD'E`&A>?LW?!+4?&
M6D^/=3\`Z?JGB3P[XPD\?^&)-5U#7-3T7PGXRNH]3;5/$/A#PI?ZI+H7A+4-
M6U75;C7=5;2--LEU;7[73O$>IK=Z]I-AJ-F`<!K?P!D\>?M#>-/'OQ$\(^#]
M2^'NH?"_X>^`_#E[IWC[QE9^,M0C\)Z_XZ\0>)?#/C?PKI?AC2M-UKX7^*9?
MB)+;:MX4U'Q)KNC:FOP^T.;5=)OS>1P^'0#K]8_9B^$6N?\`"8_VC:?$!O\`
MA/?B!X>^*7BC['\;/C9I?VSQWX3\K_A&==L?[+^(5O\`V#_9GV/1?LMEI7V*
MSA_X1/PQLMQ_PBVB_P!E@;>0:/\`LQ?"+0?^$._LVT^("?\`"`_$#Q#\4O"W
MVOXV?&S4_L7COQ9YO_"3:[>_VI\0KC^W?[4^V:U]JLM5^VV<W_"6>)]]N?\`
MA*=:_M0`+[]E_P""M_H5QX:;P[X@L-(G\0>%O$4<6@_$GXG>&KS39?`EY=:G
MX`\/Z%JWA[QC97_ASX?^$]7O;G4O#W@K2[FS\-Z#?RF^TC2K.[`F`&WD<A^S
M_P#`&3P3)K/B_P"(OA'P?IGQ(O?BA\7O'EH_@KQ]XR\7>$O,^)_C+Q/XH@\3
MW&B:[X8\+:1#\4-/\.^,+[P*_BM/#LNLS>'='@L1JT>EW[Z+IX&WR-"^_8Y^
M`E_>7%XVC?$"P\__`(19(]/T'XZ_'CPUH6FV?@37;KQ/X`TC0O#?A[XE66E>
M'/#_`(3\07MS?^'M(TNRL[#09I2VD6]G@``'T_0`4`>'_&_XG^,OA1I6AZ[X
M<^'>G^/=*U+4+CPU?))XWC\)ZK9>,O$5L-'^#VB65G<^&K^VU'3_`!A\4K[P
MUX,N=3EO[%=!D\66&KW4%SI-KJEQI0![!I,FJS:5IDVNV6GZ;K<NGV4FL:=I
M.IW.M:58:J]M&VH66F:Q>:3I<^K:?!=F:*&\GTS3I)XT25[2V9S#&`:%`'RA
M^S_\`9/!,FL^+_B+X1\'Z9\2+WXH?%[QY:/X*\?>,O%WA+S/B?XR\3^*(/$]
MQHFN^&/"VD0_%#3_``[XPOO`K^*T\.RZS-X=T>"Q&K1Z7?OHNG@;?(T+[]CG
MX"7]Y<7C:-\0+#S_`/A%DCT_0?CK\>/#6A:;9^!-=NO$_@#2-"\-^'OB59:5
MX<\/^$_$%[<W_A[2-+LK.PT&:4MI%O9X``!O^+_V7_@KXYUWQ!XG\0^'?$#>
M(/$WB#PWXIU75M%^)/Q.\*7BZ[X3L_#%GHU]I,GA7QCIW_"/8_X07P#=W4.D
MBRAU&_\`AYX2U+4([K4/"VCW.G`&AX@_9R^#WB:V\>6>K^&-0:T^)&GZKI/B
MBTT_QGXYT.V&E>)-5M==\::9X9@T3Q+:)X#T_P`8:W96VH>*[?PPNCQ^++J+
M[1XD75)F9V`/,/AE^S=%I'Q,^*7C3Q]X5\/RP:C\0/!WB/X=:CI_Q4^(_C'6
M-:T+P)\/?`W@+PBGQDTOQ%HNDVGC7Q!H&H?#NS\8Z+=^([WQO-HVN^,M6O--
MO+;4[1]:UX`[_7OV7_@KXEUW7?$&K>'?$#W/B7P_\0O"VL:58_$GXG:-X0GT
M+XLV8M?B98V_@/1O&-KX;TW_`(2BY6/5M4FLM)MYKS6X(=?FD;6X(]00#;RL
M&G?LO_!72;SQ'?V7AWQ`MSXK\/Z1X=UQKCXD_$Z]BN(M`UU_%NB>(+6VOO&,
MT.E?$"Q\;7.I^*X/&MA';>)(_$FOZWXB751K>NZE?WP!H1?LZ_"J"Y\%7J:?
MXP_M+P!XPN_'^A:M+\5?BO/K5]XRO-*M_#TWB'QKK,_C9[[XE:@OA2VC\-Q-
MXNN-<6#0&ET"!8]&GEL9`#L/AO\`#'PA\)="O/#7@F'Q!;:1?^(-;\4W47B/
MQMXV\=WC:[XEO&U/Q!?)JWCOQ#K%_;_VAJ\MWJ5Q#%<I#+?ZE?WSQF[U"ZFN
M`#T"@#C_`!_JOC+0?!OB'6/A]X0T_P`?>,M,T][W0O!>I^*H_!%MXEN8)(Y)
MM)C\43Z-JEOI.H3V@N%M'N[1;62Z^SPW=S8VTTM]:`'/_"'Q]JOQ/\&P>/+K
MP]I^@>'?$NH7^J?#>>R\07.N7/BSX7W4BS>!?'VK6MSX=TE_">H>)=$>#65\
M.R?;[C3K74+.*^N8]1-Y8Z<`>H4`%`'E_P`1O@]X(^*MSX5O/%X\8+=^"-0U
M+5O"]UX2^)GQ+^'%SI6JZMI4^A7NIK/\.O%VAO=Z@=$O=2T^*XNFFDM[76=4
MM[=HH=5O4N0#C]'_`&7_`(*Z%_PAT5KX=\07FG^`_A_XA^%7AO0?$/Q)^)WB
MKPK%\./%7FKX@\%ZQX2\3^,;_1?%'A^\@-C;M:ZW8:BBVWA[P];1[+?PWH\6
MF@;>5@T[]EOX$Z7>>(]7B\#?;?$WBSP_I'AKQ!XYUWQ-XQ\2_$?4-.\/:Z_B
M;P]<GXE>(?$%[XIM?$&E:ZNDW=AKMOJ\.JV3^$?":VU[$G@_0%T<`T/$/[.7
MP>\4^'O#OA37?#&H7OAWPOI_CZPTW21XS\<V=M=R?%'PSX@\(?$#7/$GV'Q+
M"_C'QAK6B>+O%HN/$VO/J6LBZ\5ZUJ,5_'J.K7EU<`;>5CD/C1\%]8\>R_L]
M^&])T3P_XA\!?#/X@)XF\6S^-OB5X[T[QM;Z=8?#CQ?\.M!U3PGXBMO#NO:U
MJ_Q`TN?QO)XJM/$5YXCT758-7\&:9-#JD=_J)U?10#O]1^`GPGU70O#GAJ_\
M*>=I'AC^UTM(EUWQ+!>:S9^)KQ-3\:Z1XXU:WUA+_P"(_A_Q?J\4.I>*M(\5
MW.M6'BJ_@BOO$5OJ=W&DR@!;_`CX9VW_``LO_B5^(+O_`(6YX@L/%GC;^U/'
M_P`0M7\SQ5I'V3^P_$OA?^U?%-Q_PKSQ!I']F:#_`&9J/A/^Q+G3?^$5\._8
M)+?_`(1S2?[/`V\@U'X"?"?5="\.>&K_`,*>=I'AC^UTM(EUWQ+!>:S9^)KQ
M-3\:Z1XXU:WUA+_XC^'_`!?J\4.I>*M(\5W.M6'BJ_@BOO$5OJ=W&DR@'/ZQ
M^S%\(M<_X3'^T;3X@-_PGOQ`\/?%+Q1]C^-GQLTO[9X[\)^5_P`(SKMC_9?Q
M"M_[!_LS['HOV6RTK[%9P_\`")^&-EN/^$6T7^RP-O(]`\$?"WP)\.;SQ7J/
M@_0O[,U#QOX@U7Q-XDOKC4]8UF\O-1UK7=<\4WUM:W.N:A>2:/X?'B?Q3XJU
M>#0M.:TTJTO_`!7K=Y:64%QK%[)=`;>1Z!0`4`%`!0`4`%`!0`4`%`'PA:?M
MLW-YHOB#4--^"/C#7]2TGQA\"M/T[2=!UO2K2VU/P-^T'X^U+P#X&\5VWB?Q
MY:^%]"\1:@VJZ'J5N7\$ZAXS\'WMUJ>@G2?'.HZ-=:OKGA@#;RL=!X<_:ZN8
MM%\::Q\2_A9J'@V+P5X/_:3\6R'PMXMTKQW;>(K;]E/Q]'X$^*C>');S3_#<
MXT^XN]8\-KH4VL6FCW5_=1>)(;ZPTJQTK2=4\6@;>1T&J_M`>/O"FH3>&_%_
MPQ\'VGBO2/&'[/%EXCM/#7Q3UK7O#UIX!_:-^*&L?!_PUXFT37-4^$VB7FL>
M,-+\9:!J4M]X:NM&TJR.F&VNK?Q#+=32:?;@;>5C/UK]I7QWI?C2;X?Z=\$?
M^$A\03?M`:_\#-*U#2_B3H]IX5A\CX!:;\??"?BGQ1J&N:#8:KI'V_P_JZ+J
M>FZ1H7B/^R[;PYXBFL[O6M0@T31_%8`>$_C7\1_&_P`;/A+HEAH'A_1O`6L?
M#_\`:8M_B#ITOBF6]U&U^(_P-^+O@3X4Z[=>'@?A^DFM^']-\32W5MH]U+J?
MA]]9TKQOJ&I:II>E7_ARPTS50-O(^OZ`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M"@`H`\?^-?Q1O/A/X5T_5])\-?\`"6Z[K?B"U\.:'H/VK78OM5Y+IVJZY=O_
M`&?X*\(^+_%^M>3HVA:K-]D\)>#/%5^GE?;+VSL=`L=9US00#YPU']M/6IY-
M-U#P5\`/&'B3PIJ'@_\`95\>VFL:IXV\`^&=5U?P]^U1XRG\#^&M.\/Z"-6U
M%)?&%IK<EK;Q66M:AH.F7,FB^*#>ZUI%K8Z#=^-0#U"S^/GBKQ-%X,T'P'\/
M?#^H_$;Q%_PNG^V-$\6_$'4?"O@G1O\`AGOXCZ1\(?B9_9OC71OAYXCU/7/,
M\>Z_I1T+S_">E?VCI'VN_P!0_L6]@CTFZ`./N_VL=5G\`_%;XC>&OAMI]_HG
M@?\`9P^$W[4'@^UUSQW<Z#JOBWP#\2-%\?:[J6D>)(+#P-K%OX)\8:1:?#;Q
M&D%K97/BBRU"2?31)J&GK<SO8@'0?\-(^)H_&7CG2[[X/:AHO@;X=?'#P-\$
M->\7:KXW\//K6K:K\48_A=8^`M<\(>#]!M]334-/DUOXJ:!=:K#K6M>'I-/T
M#4-.O[7^U-<DU3POX=`V\K'7_LV>,OB/XY^'^O:S\3[3P_:>(+/XP?'3PM9+
MX<UR77;-="\%_%_QIX2TRQ>YD\%^&=O]D_V+/H=O,;&6;4;#0K#6+V2'4-7N
M[#3@#Z`H`*`"@`H`\O\`B3\&OAW\78],@^(6CZAKMGH^G^-=,LM.B\4^+=#T
MK[-\0O!NL?#[Q5)>:3X>UVQL]3U"?P;XAU_3+:_O8+BZTV/6[]],FLYKN:20
M`]`TG3+;1=*TS1K.34)K32=/LM,M9M6U;5=?U66VL+:.U@DU/7==O;S4M:U!
MHHE::_U"[NKJYD+S7$TLTCNP!H4`%`!0!GZM>7.FZ5J>H6>DZAK]W8:?>WEK
MH6DR:5#JNM7-K;23P:3IDVNZGIVFQ:A>2QK;POJ&H6%JLDR&XN8(0\J`'Q!J
M7[:.J^'_`(+_``Y^-'B+X-ZAI>F^/?!\_P`4W\,Z?XJN?%_B;2?A1H?A3PKK
M_B;Q*-,\#^#=8G;4&N_$C?V7-JD.B>%8M..CS^-?&'@76?$%GX>`!T#?'[Q]
MX&C_`&KO$/CWPYI^LZ)\-/CA\/\`X<?"S1O"NIZUKVJW<GQ#\&_!2S\.:1JN
MGZ'\,UU:+3YO$7Q*T'7;VXTNS\::S#)XKU_2M+TS5E\-:./$P!]'_"WQM>?$
M3P)H7B_4?"?B#P1J&I?VG;WWAKQ+I6NZ+J-E>:-K&H:'<W5M8^*=#T36CX?U
M"?37U'2;K5]#T._N]*U#3KN\TO3;BYDLK4`]`H`*`"@`H`X_Q_X#\,_$WP;X
MA^'_`(SM=0OO"GBK3WTGQ!IVF>(/$/A>YU+2II(VN],DUCPKJNG:E#I]Y$AM
MKNWAO(X[RUGN+.Z6:UNIX90`\&^`_#/P_MM?L_"MKJ%C:>)?&'BCQYJEI>>(
M/$.N6R^)O&FJS:[XFNM)@U_5;U/#VGWVMW5[J#:5I*V6G)=:C>W$-K'->3O,
M`=A0`4`%`!0!Y?\`$[Q]JO@F/P7I7AKP]I_B7QE\1?&$G@KP?IFN>(+GPGX9
M_M6T\&^,/B'J5QXD\2V'AWQ!?:/I\?A3P'XC\A[+0-7DFU%]-M)(K>VNI[_3
MP#Y0OOC+\6/AY\1_BSXU\3^#O$%_X?T3]F#X"_&WXD>`-5^(GAHZ%\#+/3Y?
MCZ_Q/\*?#R30?#S_`/"P/B!>_P#"+B6R-W!:6&M3>'KY-2\7Z%I]KX<TY@#V
M#Q'^TG_PCOQJ3X1Q?#SQ!XB2[_M'0M)U7PY<_:[S5/B%8?#'5_C#'X2>XO-.
MM/`_AO[9X+T:XBM[;Q'\0-%\3&_N["[E\*P^$=1MO%TP!S_P\_:DUWQ1X5\-
M^+?$WP9\0:%!X\^`&O?M!?#_`,+^$/$%G\1?'?B+0O!6G>!)O%?A^70++2],
MM+;Q!J6H?$?PN/"5M9:IJDVM6=V\NM0>%=3C.C4!MY''V'[8GB%M%^(/BF?P
M+\+_`!;X-\&Z?\.].TKQC\"OC3XF^-WA[Q'\2_BIX^A^'_AGX>17&@?`RPG.
MH:7=W6EZMXCAT:V\0:YINF>*/#DVF^'M<N=<@M%`/J_X6^-KSXB>!-"\7ZCX
M3\0>"-0U+^T[>^\->)=*UW1=1LKS1M8U#0[FZMK'Q3H>B:T?#^H3Z:^HZ3=:
MOH>AW]WI6H:==WFEZ;<7,EE:@'H%`!0`4`%`!0`4`%`!0`4`%`!0!\P7W['/
MP$O[RXO&T;X@6'G_`/"+)'I^@_'7X\>&M"TVS\":[=>)_`&D:%X;\/?$JRTK
MPYX?\)^(+VYO_#VD:796=AH,TI;2+>SP``#KX/V<O@]!JK:LWAC4+V674/B]
M?W.F:MXS\<ZSX9OX_CU<V%_\7-#U/P?J_B6YT+4_!_B+5=-L]3F\,W>G3:-!
MJ*/J-G86U]-+<2`;>5C0T[X$?#/3="\1^'FTOQ!K,'BK^R/[9UGQ=X_^(7C;
MQL?^$<O'U7PG_9GQ#\8^*=3\4Z!_PCFNS7.M:%_9>L6?]AZO>W>L:1]BU.[G
MNY0-O(X_2?V2?@#X?\3:9XST'P5J&A>*],\867C]O$&C^//B-I>JZ[XRL?#T
M?A:/Q#XTN['Q;$_C[4)M$;6(;IO$IU9;R3QIXQNKM9[KQMXCGUL`T/#_`.R_
M\%?#-YX8O['P[X@OKGP=X@\7^*=`;Q3\2?B=XUBM]=\>:[X;\6^*+Z^MO&7C
M'5(=;^U>-O"'AOQ7%#J<=Y#9^)-)B\164=MK9>_<`^@*`"@`H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`X_QKX#\,_$#2K?2/$UKJ#Q6.H1:MI6I:%X@\0^#_$V
M@ZK%;7=B=3\->+_"&JZ9KOAG4)M*U'5-,GN-*U&SDN-.UC4M.G:2QU&ZM[@`
M\0TO]CGX":)IUWI.G:-\0(=/N_#_`(%\++;R_'7X\7?]F:%\,/%5CXU^&]CX
M>EO/B5+)X8_X1;Q-8)>:--I#V,VF_:]0ALY(;?5+Z*[`.ON/V=?A5-;7=O!I
M_C#2)+OQAXU\<#5/#7Q5^*_A7Q#8:U\1]5BU_P`>66B>)O#7C:QU;P]X/U[Q
M%;VNLWWA/3+VTT"?4[.VU)],-];13Q@!XU_9N^"7Q`TJWT#Q/X!T^7P[;^#X
MO`#>&M&U#7/"GAF]\&V-M=V_AWP]K'ASPIJFFZ;KFG^&9;^]O?#*ZC:W3>%M
M1NYM3\.MI>HR-=$`Y]OV3/@:NE:]H5GH/C#1]$\1^,/"7CR_T;P[\7_C'X9T
MJU\3>`;:VL_!-UX?T_P_X^L[?PEI^A6FF^'X-/TK0X].TZTC\'>%D@M47PIH
M@TL#;R/4/!'PM\"?#F\\5ZCX/T+^S-0\;^(-5\3>)+ZXU/6-9O+S4=:UW7/%
M-];6MSKFH7DFC^'QXG\4^*M7@T+3FM-*M+_Q7K=Y:64%QK%[)=`;>1Z!0`4`
M%`!0`4`%`!0`4`%`&?JVF6VM:5J>C7DFH0VFK:?>Z9=3:3JVJZ!JL5M?VTEK
M/)IFNZ%>V>I:+J"Q2LT-_I]W:W5M($FMYHIHT=0#P_4?V7_@KJGPX\.?">\\
M.^(#X(\)^']7\'Z%:6_Q)^)UCKMMX)\01);ZWX"N?&MCXQA\2:K\/[ZVMM,@
MG\+W^K7.D20Z!HD+61BT+34L0#0@_9R^#T-SXHOI/#&H:AJGC#3]`L-9UO6_
M&?CG7_$,<GAG2O!ND:1KF@^(=<\2W>I>$_&"Q?#GX=WEQXFT.ZT[6;W4_A_X
M9UB]O[C5M`TZ]LP#U#PMX6T+P5H5CX:\-6/]G:1IWVIXHGNKR_O+J\U"\N-3
MU;5]7U;4[BXO]=\0:IJ]Y?:EJ.KZE<W=_J-_J%W?7UQ<7=W--*!MY6.@H`*`
M"@`H`*`"@`H`*`"@`H`X_P`:^`_#/Q`TJWTCQ-:Z@\5CJ$6K:5J6A>(/$/@_
MQ-H.JQ6UW8G4_#7B_P`(:KIFN^&=0FTK4=4TR>XTK4;.2XT[6-2TZ=I+'4;J
MWN`#R_6/V7_@KK7_``F,5SX=\06.G^//A_X>^%7B30?#WQ)^)WA3PK)\./"O
ME+X?\%Z/X2\+^,=/T7PMX?LX!?6ZVNB6&G(UMXB\0VTF^W\2:Q%J0`:_^S%\
M(O$NHZ)K&HVGQ`MM6T#^S9['5-`^-GQL\)ZC/K&E>%9O`MKXNUN]\+?$+3YO
M$OQ`?P3._AZY\7:N]]KMYI2QZ?>:C/:0QPH`<AXJ_8[^%6J^`9_!GAB7QAX5
MN]-^!_Q&^`W@+5;KXD?%?Q9I7@SP;\1]%U+2M0LI?"&M_$$Z;XJT^WEN]+FC
MM-4$C+'X3\-VL%Q;0^&]&_LH#;RL9_P]^!GC%[S7K#XD6?\`8_@+5/#YL;SP
M:G[2WQV_:*O-;\56^NZ%KGA'QUI'C3XMZ)X?UKX-^(/!D^C:E-IUQX.F%S?7
M_B:TU2:ZL;_P7HTK@?@?3_A;PMH7@K0K'PUX:L?[.TC3OM3Q1/=7E_>75YJ%
MY<:GJVKZOJVIW%Q?Z[X@U35[R^U+4=7U*YN[_4;_`%"[OKZXN+N[FFE`V\K'
M04`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%
M`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`
D4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`?__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>p5.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 p5.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`"8`T0,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/V<^*GQAL_A?]ALK;P/\0/B7XFO_#_BWQ?;>"OAGIFA:EXJ
ME\(>!?["B\6>(+2T\2^)-"M-4^PZAXK\)V$>CZ=>7FMW]SXDM5TS2[U(+V2Q
M`/4-)O+G4=*TS4+S2=0T"[O]/LKRZT+5I-*FU71;FZMHYY])U.;0M3U'39=0
MLY7:WF?3]0O[5I(7-O<SPE)7`#5M3MM%TK4]8O(]0FM-)T^]U.ZATG2=5U_5
M9;:PMI+J>/3-"T*RO-2UK4&BB98;#3[2ZNKF0I#;PRS2(C`''^$_B%9^./A9
MX:^*WA;0?$&J:?XP^'^C?$+PYX8QH5EXJU&S\0>';;Q)I&@XU'7;?1;3Q!/!
M=V]IBZUJ&PCN9/WM^ENK7``/0*`//_%7Q(T+P?XO^&'@K4[/Q!-JWQ9\0>(/
M#GANZT[1+RZT*PO/#7@GQ%X\U!_$?B`JEAH_FZ1X:O8K.T>=[^^F=GM+.:TT
M_5+K2P#T"@`H`*`//_%7Q(T+P?XO^&'@K4[/Q!-JWQ9\0>(/#GANZT[1+RZT
M*PO/#7@GQ%X\U!_$?B`JEAH_FZ1X:O8K.T>=[^^F=GM+.:TT_5+K2P#T"@`H
M`*`,^*\N6U6\T]M)U""TM-/TR\@UV232CI6HW-_<ZM!=:390PZF^I1ZAIT6G
M6=Q<O=Z?:VKQZ_8"SN;N:.^BTX#;R"\O+FTN=)@@TG4-1BU'4)+.\O+*32H[
M;0+9-*U/4%U;5EU#4[6>;3Y+NPM=,5-,@U&Z^U:U9N]LEBEY>6`!S_A?QKI7
MC32O!OB7PG;ZAK/@WQSX/A\:Z'XPBBMK#2AI6HVV@7_AZWO--U:[M-=M]0UG
M2M=DO;9!I#QPQZ)?QZC+8W+64&H`&?\`$7XD:%\,=.\.:GK]GX@O(/%'Q`\`
M_#?35T#1+S5_L^N_$7Q5IGA+1;S6[F%5M/#WA^'4-4A>YU+4KBUAXCM+8W.I
MW^GV%^`=A>7ES:7.DP0:3J&HQ:CJ$EG>7EE)I4=MH%LFE:GJ"ZMJRZAJ=K/-
MI\EW86NF*FF0:C=?:M:LW>V2Q2\O+``T*`//]%^)&A:[\1_'GPOLK/Q!#X@^
M'?A_P%XCUR\U'1+S3-"O+/XB2^,(]$3PYJ=\L7_"1^1_PA>IB\N["*:PAFF6
MR6\EU"RU*TTL`]`H`*`"@#S_`$7XD:%KOQ'\>?"^RL_$$/B#X=^'_`7B/7+S
M4=$O-,T*\L_B)+XPCT1/#FIWRQ?\)'Y'_"%ZF+R[L(IK"&:9;);R74++4K32
MP#T"@`H`*`/C#XT_"?3_`!E^T+X"\9ZM^SUJ'Q&T3PU\#_BOHUUX]T6?X7Z5
MXATOQE>Z_P""/%'PULO"NO:Y\0/#_BSP_P",-*;P?XXAT?Q!I9L%T/4_B78W
M5GJUBMWK5_HP!\?^'?V>_BJG@'QC_:G[./Q03XEZ)^QA\#?A=\++[6?B=\*-
M7TKP_P#M#?"O1?&OA"+QS\/M//QXOM-\":AH\OBOPSK^A>)K6QT:_P!-CTCQ
MQ=6'V+6O$MS;>+@#Z`\6>$_C-8?M(>#OCKH_P@^*&M6SZA93:UHOA/Q!^S_%
M<P?"W4?@AK.AS_#OQCJ_CGXD6&OGQAI?QONK+69_"GA7Q,_PQ>UT[3O$=M;W
MOC1M0U&Z`.@U/X9_$/5?^"=<?P7NOAUXPB^*,/[.&D_"=?`FF>,O"6BZT?&6
MB^%K+P79W<GBK1OB%:Z%-X/DU6P@UB[MY/$#+J&@/<6%]IUS/>7&AS@'E[?#
M#X@0Z[\6/BGI7[-7Q@A^(>M_M/\`P8^)'@.\\0?$GX0:[XO\/_#B"S^$L?QJ
ML_"NIZI^T'J5AX&_MK2?AUX\\,:CINE:CIZ:MHGB_P`%>'Y1/X=T=[3P>`=A
M#\&OBAIWQM^&GBO3_A+I]_K'AG]H_P"*GC7XC_&74_B/I^A6WC/X7_$#0_CC
MIOPZMX]'TL:IK'C_`%#X>>!/'6@>%;1/%NDZ5<:#=:?;^'_"DLGA/Q!K?B#1
M0#G_`(<_L[^*_!GP&^-GA3XC?"CQA\=]4\7>#_"&A^(_ASXC\;?!?1-*^,/Q
M2T4:NGBSXC>&+[PSH_A]-#T_6];U/0]6/Q0\=ZY??$[48_#-I<ZGIMMJWA/1
MEU\#8^G_`("_#:/0?A?XK\">//AKI^GZEK7C#XAQ?$S4-6M/!NHZ5^T+JOB/
M4+A?$GQJU/1M#U+4K>UT_P"(5I<_;9O"^L1V\FAQROX;BM6T;1M-FN@#Q#P9
M^R/_`,(C_P`+"N-$\(_#^R\0?#CX?^./A!^R?JUWIG_")_V%X<\9?\);XW77
M;WQE\-]3A\9Z9Y=[\1--^']UJDE\?%2_\*Q\3^+M/U*'4/BMK(N0-OD>7_#K
MX3?$[1]3\&?#_6?V>OBAJ7P@TK]H_6/&45OXYG_9$M?#VA_"/QM^RYXC^#'B
M30+_`.'OPI^(&G^'++3S\2_&OB?7;_1/#GA3R+[3-3U+494U'7]3N[?4`#0T
MCX&_M!1V?P^\->&OAWX?^'OB#P'^Q!\5?V4KWXWWOQ"TS1M=NO&T6A?"^W^'
MOBWPJ/`^EZSKTWP_C\6^&;[4O#\^I7.B:O9PZSXKOK[1M"U"RTRQ\:@;>5CZ
M@_9U^%>K>`?A9XJ\*1#X@?#J#Q!X@UR^\*6.OS_`YO%7@"SU#P[HFC&XT3P=
M\(O`\7PL\#8\1Z=K&O6VB:39^)K"[N=4DUO699=3\1:KI.G`?@=_X6^&GC3P
M]KMCJ^K?M"?&#QQI]I]J^T>%O%.B_`*TT+4_M%G<6T7VZX\%?`_P_K4?V:>>
M.[B^Q:O:9FM(EF\ZW:6"8#;Y'QA^T/\`"?XA^*?BO\2KW0O@O\</%7AWQ-J'
M[&VIV_B3P=\9_"7A"QNKGX&_%7Q9XQ^(,>C0:C^T#X:UCP]I[>!/%D-GI-A!
MI^FVH\7:=<^($ALM1BM/$MP`"_"#Q7'\6M!\/0_LT^,+;X(>%_VC_%NIZ#HM
MIXB^"]G\%]-^"7CO]F&Y^"7BV.+X16WQ?CMGT_4?BEJ6N^+Y+"7P@]\FD^*_
M$EQ%#'K'B75]'U$`Y_X4_!OXV^&-*^#N@:;\"=0^'6J>%_V,/BE\#9=9F^*>
MAVG@'2?B7XCMOAEKFG>(O$VD?#'XCVNM^$=0UOXD>!_B!?:KXC^'=KJ>N7ME
MXK\%ZG>:S'JRWVG>`0-O*QH>%/A[\8O!_P`)_&7@/2O@;\8+W2++]I_]G_XD
M?#GP]J^J?LF>'+RP^''A#Q+\'/'WCJST[P]\,?B)H'@7PKY/BGX8^/)UTW2K
M'2TOK_XA:1J$HNKO4O$FHZ6!MY'TA^TGX6\3:UXK^`6N^'?AO\4/B%:>#/&'
MQ#U#Q7'\-_B'X>\#7.F>&?%/P7^(/PYD-NGB+XL^"4D\83:WXST.?2]:L)'U
M'1[72_$#V6I:9-?"#6P#Y?\`AU\"_C#X1\`_#WP/X%^%GC#X3^,M?_8P^)?P
MJ^)?Q,N/'G@98[+X\MHO@W0_A)XB\8>)/#'Q*UKQ9KVG^%V\&>,4\-W^E:?K
M1\*Z-\1M$TS1K?3;8:KIOAT#;RL:%Y\`_B9J4_QUMOA_\$O^%%?#+X@?#_\`
M9YLM,\(Z;XZ^'LOBJ6#X9?&7QIXE^*/P_P!`^%UM#XB^%WAK_A,/`OB#Q5"^
MAW&MR>#=4N?%&FS^(!=3^-_&L7A0`Z#Q]\`_$5Y\#OA+X$L_@EX@^(7B;PW_
M`,+:O+/4?%/CKX6:=KO@3X>^(M)\83:O\$[[6O#4/AC3-`_X69X"U>T^$$6D
M>!-(N_#/@2'6HM4T[4;E/AMX;U#6`#Z`^*OP@T?Q?\./ASXG\,?"+P_9_$;X
M%?\`",?$'X+^!=7T?P)#>>&=1\,Q:3?7GP?TZ[@OK[PMX4_MW0M*/A!=3M+K
M4]*T"_;2/$NF_:+WPIH]U;@'R_\`&7]D?Q%X0^!W@[P%\$/"/]IZ[X=\/_$3
M7[C5_A7IGPL\!:[?_M*^(-)\//X7^+X\.?$C4XO"'@;P^-9T[Q$TFL>$Y(?&
M_@R&;PUH_P`/+_2M`76+=P#T#XD?#WX@?$KXG>*/%TGP-\06MMI7A_\`8S\>
M>#-0\3ZI\(+B\/B_X`?&KQA\5O'W@_PW_9OQ$U*;1/B!>^"?B3JWA+3]1N/[
M-T2YO[;7[6YUZUT2[M=3U8`\_P#$/P*^+OB[3/BT-1^$G_"#^`O&/[3^C?&N
M^^''@+Q!\$_%GC;X@^%=8_9]TSP;K6GZUX*^)_AJ?X37?B"#XLVGA3Q9K$'B
M35-4MI-7TGQ1?Z3=WM_H/AC7_&`&WD?H?\/=$U7PSX!\#^'-=OM0U/6_#_@_
MPSHFL:EJWB2Y\9:KJ&JZ5HME8:A?:GXPO-#T6?Q7J$]W!-+-K$^C:3)?22/=
M/8VC3FWB`.PH`\O\:^`/%?BK5;?4-"^-WQ0^&MI#I\5E)H7@K2?@O?:5=W,=
MS=SOJUQ-\1OA#XJU)=0EBN(;=T@U"&U$=A`4MDF:>6X`./\`^%-_$7_H[']H
M#_PG/V6?_H::`#_A3?Q%_P"CL?V@/_"<_99_^AIH`/\`A3?Q%_Z.Q_:`_P#"
M<_99_P#H::`#_A3?Q%_Z.Q_:`_\`"<_99_\`H::`#_A3?Q%_Z.Q_:`_\)S]E
MG_Z&F@`_X4W\1?\`H[']H#_PG/V6?_H::`#_`(4W\1?^CL?V@/\`PG/V6?\`
MZ&F@`_X4W\1?^CL?V@/_``G/V6?_`*&F@`_X4W\1?^CL?V@/_"<_99_^AIH`
M/^%-_$7_`*.Q_:`_\)S]EG_Z&F@`_P"%-_$7_H[']H#_`,)S]EG_`.AIH`/^
M%-_$7_H[']H#_P`)S]EG_P"AIH`/^%-_$7_H[']H#_PG/V6?_H::`#_A3?Q%
M_P"CL?V@/_"<_99_^AIH`/\`A3?Q%_Z.Q_:`_P#"<_99_P#H::`#_A3?Q%_Z
M.Q_:`_\`"<_99_\`H::`#_A3?Q%_Z.Q_:`_\)S]EG_Z&F@`_X4W\1?\`H[']
MH#_PG/V6?_H::`#_`(4W\1?^CL?V@/\`PG/V6?\`Z&F@`_X4W\1?^CL?V@/_
M``G/V6?_`*&F@`_X4W\1?^CL?V@/_"<_99_^AIH`/^%-_$7_`*.Q_:`_\)S]
MEG_Z&F@`_P"%-_$7_H[']H#_`,)S]EG_`.AIH`/^%-_$7_H[']H#_P`)S]EG
M_P"AIH`]0\%>&=:\*Z5<:=KOQ"\8?$J[FU"6]CUWQK9>`;#5;2VDMK2!-)MX
M?ASX'\*Z:VGQ2V\UPCSZ?-=&2_G#W+PK!%;@'84`%`!0`4`%`!0`4`9^K2:K
M#I6IS:%9:?J.MQ:?>R:-IVK:G<Z+I5_JL=M(VGV6IZQ9Z3JD^DZ?-=B&*:\@
MTS49((W>5+2Y9!#(`?G!X4_:.^-%E\-+CQ-HW@CX'^%?A[\*_P!C#X"_M+S:
M'HMMXK-SK>E>(?!'Q#U?7?A?X5\.VLNFZ;\--/N)?AWJ&EZ/J;7OBJ/P[:Z'
M8SS:9XC/B1[+P:`=!XG^(_CZR^+^GRSZO\+_`(0>%/"7[9_B3PW\1;RTL]:G
MMO'/@'2OV&C\5+'Q/\2/%C^)?"MFVH1>#;>ZBN1J>F7]EH]UI7@Z5+C4+7P`
MS>+`#L-9^,/Q'T2Z^,>C^$_`WP_LOB-=_M/VOPN\)VF@:9+XEU'QG9Q?LX^`
M_BQ;>)=;L]9\2?#O3/%OQ`?P%I]S#<P:SXS\$V&E:5H<=G9ZOXAO?#>F:=XV
M`_`T/V=_$]M\0/BYXO\`BK!I^H:-)\7?V4/V,_B;>:%>>)-5\26V@W/BF^_:
M,G71M)FU`QV]AI]K:0VJ-#IEAI5K<77VW4GLTOM4O);@`Y^^^+OQHLOB=KG@
MKP9X$^!^A7?B?]J_6_A%JGB6^OO%=U<G2K?]D3PW\7O"/CO7-.TK1-,?QMXP
M_L33`;VUFU#1HXK7PIH_@VUOI(;O_A--#`-#4OC=XV\5^'-)\+^?\/\`PMJ$
M_A_]JN\^(OB[7]8\7^#/"MYH7[+OQ3TCX+>+ET3Q'X=\36FM?!+_`(2V?Q#_
M`,)#;>,/[5\53>![;3I$^P^)KA$OX@#Q_P"`G[0_B^R\"?LF^!OA[X:\/^+/
M`6C_```_923XD>+?^$A\$VVG6%Y\4-8U7X++I'_"1ZW\3-"D\-^(/#'B;X?:
M[_Q*-+\,_$"_\1:J/^$6^S^&+]8;^_`/J#PO\0OBGJ/[07B3X6ZEXD^#\WAC
MPI_PD'BBZ_LG0?$4/B_5_"NLZ9X0_P"$*\%V/VCQW<6EA\0/".H:M>ZGXVO7
MM+NV_L3Q[\);JTTS3G\?/_8@&WE8X_Q9\0_VDM,^*&H_"C1=0^%ZZWXH\8>%
M-6^%VL7GP=\>:GX9L_@O<:?XWO/B'J?CC4+3XTV-Q?\`C#PM=^'M(TN>XTFS
MM])34?&/PWM;YK%OBO$?`8!H>#/C)XJ^(_Q?\9_"3Q#X>^R_#GQ+X?\`C9#X
M,\9^%M0U'PO>#_A2_P`0/"_PA\?:;8^*M.\:1^*;WQ`^N^,':74D\+_#K_A'
MK_0I;;0-0\:64UKXJ0#8^;_A_P#'CQ]\*OV4-4O(-<^%^F6GPA_80_9+^+OP
MYNO%?AS6EMIM5\6>#_&VA7W@3Q9.GQ&TY/$6H:[K?POM=/T2ZTQM!DM[KQI9
MV[V.L36:IJ8!](>'/VA_%_BWX]OX2\-^&O#^K?!+_A(-.\"6?Q%M?$/@D6>N
M:[J_P'TC]H+3/$GA;6Y/B8FJ^+?M/A_7-/TV/PGHOP_OX6L/M7BL>,/LUA=Z
M';`'U_0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`9^K:3I6O:5J>A:[IFGZUHF
MM:?>Z3K&C:M96VHZ5JVE:C;26>H:9J>GWD<EO?Z?=6DTT$UO/&\<L<KHZLK$
M$`\?LOV9/V;=-MM6L]._9\^!]A::_I\>DZ[:67PG\!VMMK6E0ZKIFNPZ9JT$
M&@*FHZ>FMZ+H^H+;W"R1K=:39W`436L3H`:&B?L]?`+PSY/_``CGP/\`@_X?
M^S>(-`\66_\`8GPT\%Z5]G\5>%/[2_X1;Q+#]AT6+RO$&C_VSJ_]GZBN+FS_
M`+5O/L\D?VF7>!MY&A+\$/@O/;>-;.?X0_"^:T^).H6FK?$6TE\`>%)+;Q]J
MMCJMQKMCJ?C6!])*>*M0M];N[K4(KC4UNI([JYEN$832,Y`V\@\%?!#X+_#3
M5;C7?AS\(?A?X`UN[T^72;K6/!7@#PIX5U6YTJ>YM+R?3+C4-"TFUN)M/DN[
M"QG>W>0QM)90.5+0H5`,_P#X9Z^`7_"5?\)U_P`*/^#_`/PFW_"0?\)9_P`)
MC_PK3P7_`,)5_P`)5_:/]L?\)+_PD/\`8OV__A(/[7_T[^T?M'VG[3^_\SS?
MFH`T-)^"'P7T#2M,T+0OA#\+]%T31?&%E\0M&T;2?`'A33M*TGQ]IUM'9Z?X
MXTS3[/28[>P\86MI##!#K,$:7L4<2(DZJH``.@B^'O@&WN?!5Y!X'\'P7?PU
MT^[TGX<W47AG18[GP!I5_I5OH5]IG@J=+(/X5T^XT2TM=/EM],:UCDM;:*W=
M3#&J``S['X3_``LTO7;?Q3IGPT^'^G>)K3Q!XI\66GB.Q\&^';37;7Q5XYL[
M73O&OB6WU>WTU+N'Q!X@T^RL[75-125;G4(;2&*[DF2)%4#;RL=A)I.E3:K9
M:[+IFGRZWINGZGI.G:Q)96SZK8:5K5SI-YK&F66H-&;BUT^_N]`T*>YMXI%C
MGDT6P>57:SA,8!Y_JWP0^"^O>)M3\:Z[\(?A?K7C+6M/O=)UCQ;JW@#PIJ/B
M;5M*U'P])X1U#3-3UZ\TF2^O]/NO"DTVBS6\\[QRZ=*]DZM;,8B`"_!#X+II
M6@Z$GPA^%Z:)X4T_Q;I/A?1E\`>%%TKPWI7C^VN;/QWIF@Z>-)^SZ/I_B2TO
M;R#5[>TCACU*.[F2\6996#`;>5CL/^$3\*_\)5_PG7_"->'_`/A-O^$?_P"$
M3_X3'^QM._X2K_A%?[1_MC_A&O\`A(?LWV__`(1_^U_]._L[[1]F^T_O_+\W
4YJ`.@H`*`"@`H`*`"@`H`*`/_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>20
<FILENAME>p9.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 p9.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`",!R0,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/W\H`\/^''QNC^)>JZ/'I/PP^*&D>#?%7@^[\>>!_BEK=CX
M-/@'QCX9CN?#2Z1=6,N@^-M3UWPWJ&N:5XJT[5]-TKQ7H7AW49[*TU,R6L-S
MI5Y;6X&WD>X4`%`'G^B_$*SUCXC^//AD=!\0:7JW@/P_X"\4R:MJ(T)M"\2Z
M%\0Y?&%EI-]X<DTS7;R_7[+J_@3Q/I]Y#K&GZ1,LU@LEO'<VEQ#<R@'H%`!0
M!S_BSQ3H7@;PKXE\:^*;[^R_#'@_P_K/BGQ'J?V6\O?[.T+P_IUSJVKWWV+3
MK>>[N_L^GVEQ+Y-K!--)Y>R*-W95(!H:M>7.FZ5J>H6>DZAK]W8:?>WEKH6D
MR:5#JNM7-K;23P:3IDVNZGIVFQ:A>2QK;POJ&H6%JLDR&XN8(0\J`'/_``]\
M:Z5\2O`/@?XC:%;ZA::)X^\'^&?&NC6NK16T&JVVE>*M%LM=T^WU."SN[JWA
MU".TOX4F2"YN(UD5PDLB@.P!V%`'G_@?XA6?C?4?B/I,&@^(/#VH?#'X@7/P
M]UJWU\:$?[1O%\*^$_&NG:]HLN@:[JD<WA_4_#/C70+RV-X]E?Q_:)(;VPM+
MB%X@!MY6/0*`"@#CX/&NE:A<^*-/\.V^H>)=4\%>,-`\%>*]+TR*VLKG1=5U
MW2O!OB62XDG\17>F6=]I^F^#?'6A^(+M["ZNY&M?M%M917FK1#37`.PH`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@#Y_P#@K<ZZ
M?&G[3^F:UXI\0>*(-#_:`MK;0&U^XLY/^$?T+6/@%\"/%L/A;1;;3;&SM-/\
M/Z=J'B34DMHH[<32^;)=ZA/?:G>7M_>@;?(\`_:=U7QM\&KKXB?%R7QMX@U"
M?7OA_P#%2Q^!5KHVN>+]"T[X2^-O`_[./Q`^(4%OXL^'B^*Y?`/Q@\/ZF_@/
MQ[KL>M^(/#)U?1]5FT;3#%K6F2V5QX(`,_Q)9ZAX:^/WAS]GC2?&?Q0C^%OC
M+4/A+J>NV5Y\6_BAJWC)KGQ!\.?VXO$>L1Z3\5]6\77/COPUI]UK'P`^%4[6
M&C^)+"U"Z!>PI"L'B+7(M8`/?_A#X[DT3X,ZMX@\6W7C#Q#9^#/BA\;_``':
M2Z9X?\9?$OQE+X9\!_M`>/\`X8^"K633O#&E:UXG\8:A9>&]#T&VN]5FM]3U
M&Y6SN-5U>ZGF:]OF`/4/`OQ+\.?$/^U/^$?TWX@:?_8_V'[7_P`)U\)_BG\+
MO._M#[9Y']E_\++\&Z#_`&YM^Q3>?_9OVO[-OM_M/E?:X/.`//\`]F:YUVX^
M%UY%XD\4^(/&FK:5\8/VCO#DGB?Q3<6=QKNJ6?A?]HGXI^'-)>^.F6-C86WD
MZ3I5C;Q6FFV&GV%K#;16UC9VMI!#;P@'Q!;^+_&VF>"_V8]6M?'GQ`;4/VG_
M`(/_``K\4_&&>^\>>+]3_M#7?&WQ]_8I\%>)+[P+%J6M3Q_!G[1X9^/GQ3LX
M8?ATGA6&R_MZQFL8[:X\.Z'+HX&WD>H>&[/4/$7Q^\1_L\:MXS^*#_"WP9J'
MQ;U/0;*R^+?Q0TCQDESX?^'/[#OB/1X]6^*^D>+K;QWXDT^VUCX__%:=;#6/
M$E_:E?$%G"\+0>'=#BT<`^K_`-GKQ3KOCCX!?`_QKXIOO[4\3>,/@_\`#3Q3
MXCU/[+9V7]HZ[X@\%Z+JVKWWV+3K>WM+3S]0N[B7R;6"&&/S-D4:(JJ`#V"@
M`H`*`"@`H`*`"@`H`*`"@`H`_/#6_A%\0_C9X-^+GAJX^#>H?!#3?BE\#_B-
MIWB_X?\`Q/\`''A+QW\.[O\`:&\62>'=8^'_`(W^'>F^"_%'B^Q\*Z?X;\5P
M_$'6=<UZQT#P5?ZUJ_BC1O$-QI6L:S`\^@@?@>/^+_AO?7OQ!T76=?\`V6-0
MT:+QM^V?JOCKP]X/U_7OA'H6J^-?"7BC]B;Q58?%WPO#J7PY\>:_8MJ'B/Q7
M\(=3U;6?#?B._P!*\.^,I-3T2Q\1ZC]AU36I]$`.@U+X/1Z5\1O@):>,/@)I
M_P`4)6^%_P"UQ?:E\*8M6\&Q:KI_PHN/C]\(_$GP9^&-YI.NZO9^!/'>G_#3
M1_B#H>G6W@K5_$:>%=`DTZ_U/PM>WM]X=T%-6`V\C/\`&7P$^/?B#4?#?ASQ
M=X4^('C#0O#?P?\`V8/"WQ1\6^'M=^`_B_\`X7;KOPF\*_'VV\76.CZ#\?=8
MO=.\7>9\1OC5X%\2+-\2O#&EPR?\*Y\0ZI;R0:_I_A@ZV`:'BG]GSXAV_BW7
M]9T_X2?%#5O$6E_"_P#8UT%_B/X:^,GA*Q\3?$+Q#\+_`(B/;?'O4[/QU'\0
M?`>O:S\4-3^!WBJ_\)6?Q!\0:!X-U.ZT_3?%^E6UUHNG>(8[/Q``:'AC]GSX
MNM\6O"NJZYX=^(&A^%OAU\0-6TOX5)HGBOX)V7A7P9X$T']H?XH?$`7D-[?Z
M?XH\8^!?A_XB^!/BGX9>`M/\,?#R+0+S6;;X?WG@_P`8P:'X4MM%U50/P//_
M`/AFOX@2_#/XB^#=%_9P\0>'-/\`B-\/_P!N?PY+X-U;Q/\`""Y\.:5KOBGX
MA:)\5?V0W&A67Q4U/1=`\/\`AR";Q-I6AVF@Q^3X7\5:WXBU2.SL;?Q'?^(M
M4`/8-6^'OQ1\(_'OX>?%CP5\#?B!_P`(WI']BZ>W@WX>ZI^SMI%GH7P8_P"%
M#ZKX7MOA1KTWBWXB:9K%CX@T'XQR:9J7_"%^#O$7_"K5L-)TOQ!9VMWXR^WW
M]R`:&O?"KQOJW[%O[.7PWUGX)>,-;^(7PZU#]F>VU?POHOBKX::1XR\&2?!W
MQ'X4'CCQ;X5\=Q_%'2K/0=0U'P;X7\3V&CZIX<\3P:RJ^-[&*4::)M3;2@#C
M]/\`V6?B!X=U/XJ_V3H/B"?3+SQ`)+[P]:ZU\(-!^''Q-^$%K^T%X+\?>&_@
MYX6\/Z)X7L/$7C/^SOV<O#>M_"V.R^+WB+2/#_A]->NO"GAY)O!/B.^U'0@/
MP//]0_9L^*/B;Q%XKBT;X1_&#X5?#F?X@>(?$G@/PI9^/?V=DU'P]XE\3?"S
M]GSP1X"\7V.HZSKOQ.M/A7X?^'FH?"7XDV]KK7@FP;Q9X.TKQSX8MOAYI]Q9
M'6-)T<#\#U"7X`ZU>_&;QKX@?X!^,-/\&^+/VK[36?%$=AXS\`Z1X>\:_!+Q
M'^S_`''@GQI>WGA71/BS%%=^#]=^/'ACPSXQ\;>']0TVWOO&6F?\(TVN:3XB
MN=&;1M$`/'].^$7Q#\2:KKVAZU\&]0NOCQ??L8?LX>&]:\8ZYXX\)2^)OAU^
MT;!<_M#?#_PQ^TCXDN+3Q1>Z;XGU#39?!\&HP?$;2=6UKXA>'].ATVTT+2)Y
M-=UJTTD`]P\<_!#5M'UWXW:MX5_9H_X2+5M?_:__`&9OCIX2\2>%HO@=I5YJ
MVA>![/X3:[X\UFQOO$WCO0[_`$WQ!9ZOX6^,]G*+]+&:[O\`XQ2S6SW-IX@\
M07M@!MY'G^N?LX_$"[^#7CGPC;_`+S?&$_[,'C;X5_$J\^V?"!/^&G?VB=?G
M^&T?@;X\?VG+XU63Q3_PC'B;PS\0/%O_``E/Q+_X1SQ39?\`"<_:M+TZXUC4
M]3M+4#\#[/\`V??#GB;PA??%K1-1\$^,/!O@V^\8>$_%_P`.(/%7BCP]XH>+
M2O$GPC^'</C71I[K3/'7B/4/^$PM_BQH_P`0-6\1WVH2R1ZSK/BZ\UV#5=<N
M=9U"^(&WD?2%`!0!Q_C7XA>`?AII5OKOQ&\<>#_`&B7>H1:3:ZQXU\2Z+X5T
MJYU6>VN[R#3+?4-=O;6WFU"2TL+Z=+=)#(T=E.X4K"Y4`/!7Q"\`_$K2KC7?
MASXX\'^/M$M-0ETFZUCP5XET7Q5I5MJL%M:7D^F7&H:%>W5O#J$=I?V,[V[R
M"18[R!RH69"P!V%`!0!\8?LW?M1>)OC]I_Q2\8Z3\/=/U?X>Z'J"/\-K[P)X
MP\/:OXAU*,_"_P"&7CY/`'CBS\0:GI&FZ/\`%"XE^(/V4K8ZE<:-INIZ1XBT
M'5]1LCX<L=;\;`'8:3\?/%7C+PK\![OX?_#WP_?^-OC?\'S\:X?#WC'X@ZCX
M4\*^&O"NGZ=\-I=?T^7QCHGP\\2W^J^((-6^*_A2VLX%\,VEM=VUOJUU-=V,
MMI;6>I`'M_P]\:Z5\2O`/@?XC:%;ZA::)X^\'^&?&NC6NK16T&JVVE>*M%LM
M=T^WU."SN[JWAU".TOX4F2"YN(UD5PDLB@.P!V%`'/\`BGQ9X5\"Z%?>*/&O
MB7P_X.\,:7]E_M+Q%XIUG3O#VA:=]NO+?3K/[=J^K7-O:6?VC4+NTMHO-E3S
M)KJ*),O(JL`&@>+/"OBO^V_^$6\2^'_$G_"->(-2\)^(_P"P-9T[6/[`\5:-
MY/\`:_AK6_[.N9O[*\06/VFW^TZ==>5<P>?'YL:[UR`=!0!Y?>_$:YLOC1X9
M^$;>%=0%IXC^%_CCXC0>-Y-2TI-*-SX*\5_#WPS=>%;+2(9Y=2GU`1>/[._N
M;R[AT^UBC>PBLY-2FN+Y=#`V\CR#6?VB?&7A+4+W1O&'PGT_2];U33_!U[X(
MTC1_B+'XDN=,N?B-\4/"?PC\!:3\=KFQ\'QV/PGU#5_%?C6S:)_#MW\1[6YM
M?`GQ%FTFYU9O",,6N@!!^TOJMCXFT7P'XE^%^H1>,O\`A:"_"_Q>O@W7+GQ;
MX2TK5;SP]\+_`!7IK>$/$5_X8T*^\8Z@/"GQA\.>)K_3KW0_#DEEX=^'?Q9U
MJ.2[MO`4"^)P-O*Q[?\`#WQU_P`+!L]>UW3]+\CP>GB`V/@#Q2E]]IL_B/X5
M30M"NI/'6D6[V=O)9^'[CQ-=^)-+TZX/VFVUBP\/VGB'3+JZT?Q!IT\H!Z!0
M!S_BGQ9X5\"Z%?>*/&OB7P_X.\,:7]E_M+Q%XIUG3O#VA:=]NO+?3K/[=J^K
M7-O:6?VC4+NTMHO-E3S)KJ*),O(JL`&@>+/"OBO^V_\`A%O$OA_Q)_PC7B#4
MO"?B/^P-9T[6/[`\5:-Y/]K^&M;_`+.N9O[*\06/VFW^TZ==>5<P>?'YL:[U
MR`=!0!S_`(IUG4?#VA7VKZ3X3\0>.-0M/LOV?PMX6N?"MIKNI_:+RWMI?L-Q
MXU\2^']%C^S03R7<OVS5[3,-I*L/G7#103`'Q!XA\/>(KK0OBUIW@W]G3]K_
M`,`:[\:O$&C>(?&OC#2OC=\++K7;34;"\TR*[UCP0\O[:<4?@;Q`/#.G0Z18
MOI2Q:5%#I>A6>J:-K6@Z+'H%P!^!V%L##JOBW6+_`/8V_:/\47?C;3]>T;78
M?'WQ,^`WQ&TJ/P]XJN5NO%'A7P]H7CW]K/5]-\&^#]9EAL%U#0/#]IIFF7L>
MC:3#<VDL.CV"68!S\7AG3X]*O-,?]C[]J^\N[S4-,U,>,-5^//POU?XH:;<Z
M-;:M9:5'X?\`B[JO[9EQXV\,Z?:V/B/Q7:Q6&D>(+*U2W\:^*(!#Y/B?5TU$
M`]0\+>._$_@K0K'PUX:_9`^/^G:1IWVIXHG\6_LRW]Y=7FH7EQJ>K:OJ^K:G
M^T]<7^N^(-4U>\OM2U'5]2N;N_U&_P!0N[Z^N+B[NYII0#?_`.%R?$7_`*-.
M_:`_\*/]EG_Z):@#P"U\/>(O#FA>%O"W@#]G3]K_`,%:%HOQ@M_B_K>SXW?"
MSQ'KOB+4?ME]KNN:%+KWB3]M.[D;P_XF\3W$=UK^EZM%KFE:C#J?B"4:;;Z_
MJ\'B'2`#0LO"VAV%MJUG#^Q/^T?)::EI\>DZ?:7WQ6^"6IVW@72K?5=,UVPT
MSX10:E^UW.GP3T^QUO0?"^H6-OX`7PU'8W7@SPO<6:P3>&-'?30`D\,Z>VE6
M6F1_L??M7V-W9:AJ>I_\)AI7QY^%^C?%#4;G6;;2;+58_$'Q=TK]LRW\;>)M
M/N['P[X4M9;#5_$%[:O;^"O"\!A\GPQI":<`?5_PSOY;OPK:67_"JO$'P;T_
MP_Y'AS0O!6OGX<)]DT+2=.L(M,?1+3X6^-/$VBZ=X?B@;[!;6GVRUFA_LN1?
ML<5O]GDN`#T"@#R_QK\;O@O\--5M]"^(WQ>^%_@#6[O3XM6M=&\:^/\`PIX5
MU6YTJ>YN[.#4[?3]=U:UN)M/DN["^@2X2,QM)93H&+0N%`/0-)U;2M>TK3-=
MT+4]/UK1-:T^RU;1M8TF\MM1TK5M*U&VCO-/U/3-0LY)+>_T^ZM)H9X;B"1X
MY8Y4=&96!(!H4`?,'[7/[0O_``S7\']3\;V5MX?N?$VI?\)!HO@I/%^J_P!B
M^$!XJTOX?^-?B!:0^(+V*1;N?[7I_@;4[#3=*L`MSK&MZAHNC+<Z:FJR:KI8
M!?\`%GQ[N?"=MX.\+ZAH/@_1OC1XQU"RT>U\">+_`(H:5X;\&V&H7VJZSI&D
M7-Y\1[70]3G?3_%MWX=UE/!>GV_AB;Q1XE:&0GPSIL>@>+I?!0&WE8[#XU_%
M&\^$WA73]>L/#7]OSZEX@M=#>]U.ZUW1?`G@ZS?3M5UG4?&7Q2\8^'/"/BB[
M\`_#^QT_1;J&X\1RZ#>V%G>:AI@U273=,FO-6TL`X"Y^/GBK2]=O+?5/A[X?
MB\,>#OB!\)_@[\3-7T_X@:C>Z[H_Q3^+EG\,'T>V\">'+CX>6=IXU^']EJ'Q
ME\!PW/B#5=;\(ZB88]>GB\/.^FV=OK8!]/T`%`!0!Y__`,+8^%G_`$4OX?\`
M_)0/^%3_`/(Y>'?^2I_]$T_Y"7_)0/\`J7O^0C_T[4`<_K__``H+QO\`V)XZ
M\4_\*?\`%W_"M_#^F_%CPYXQU_\`X0O7_P#A`O"NM^=K&D?$O1/$.H^?_P`(
MMX?O_P#A"KB^MO$-K<6MM<?\(E)/%<O_`&6S0`'/W?BS]EC4]=\%_&*]\2_`
M#4/$UUX?\9?\*Z^*=WK/PZN]=N?"O@>SUR?X@_\`"%^.)KE[N;P_X?T^]\2R
M:S_9EZ;;3X;O4VO?)26X+`;>1Z!HGQ8^%GB348='\.?$OX?Z]JUQ_8'V?2M$
M\9>'=4U&?_A*_"NI>.O"WDV-CJ4LTG]L>"='U?Q#I^U#]LTK2KS4+?S+2VEF
M0`Y_X=?'CX6?$_P)XC^)7A;QAX?E\$^$?$'C[0/$?B*;Q!X=?1]'_P"%=ZQJ
M>G:OK>I:OIVL7=AI_A^[TC3[?Q+97EU=0^;H6N:5J4J017JJH!T&G?%CX6:M
M9^(]1TGXE_#_`%/3_!_A_2/%GBV^T[QEX=O;/PMX5\0:$_BG0?$OB.YMM2>/
M1/#^I>&8Y-7L]1O&AMKFPC:\AD>W4R``$^+'PL>\TC3HOB7\/WU#7_#_`(<\
M6:!8)XR\.M>:WX5\8:[IWA;PEXETBU74O,U+P_K?B?6-)TC3M1MUDMKZ_P!4
MM+.VDEN+F*-P#0B^(7@&7Q->>"H?''@^3QEINH:9I.H>$HO$NBOXFT_5=:\/
M:MXNT;3+S05O3?6NH7_A30==UJVMY8%DGT[1;^]B5[:TFEC`//\`QC^T=\%_
M!?@WXM^-9_B'X/UVT^"&GWUS\1=&\,>+?"FJ>(?#^JVLFHV=CX2U#3WUR!-*
M\8:MK>F76BZ;I>ISV$EWJ:BR0B8,$`/0-)^(7@'7M5TS0M"\<>#]:UO6O!]E
M\0M&T;2?$VBZCJNK>`=1N8[/3_'&F:?9WLEQ?^#[J[FA@AUF"-[*625$2=F8
M`@'84`%`''V7P]\`Z;XRU;XC:=X'\'V'Q"U_3X])UWQW9>&=%M?&6M:5#'ID
M4.F:MXG@LEU+4=/2+1='1;>XN9(U72;,!0+6+8`=A0`4`%`!0`4`<?XU\#Z+
MX_TJWT;7;WQA86EMJ$6IQS>"OB%X^^&NJM<PVUW:I'<:[\.?$VAZE=Z>8KR9
MGL)[N2UDD2"9X6FM8'A`#P5X'T7P!I5QHVA7OC"^M+G4)=3DF\:_$+Q]\2M5
M6YFMK2U>.WUWXC>)M<U*TT\164+)807<=K'(\\R0K-=3O,`=A0`4`?$'PE^$
MOQQ\-_&KX^?%[Q3IGP_L]7U[[?IV@6OA_P`0ZMI6A?&R\3X8_`70?"7B/Q4J
MZ-JE_P##KP_X>U?X8>+X].L+Y?&M_I,WQB\:P637-II\6K_$$#\#0\"?"'XT
M?#OP;^S9>Z=I/POU_P"(7P3^!^N_`?7?"]Y\0_%>@>#=6TK5I/A0(?&ND^.X
M/A/JFI#4$B^#6CLV@7'A"&/=XQO5&KD:#$VO`'T?\)_`O_"K_A9\-/AG_:G]
MN?\`"N_A_P"#?`O]M_8?[,_MC_A$O#NFZ!_:G]F_:[O^S_M?]G^?]F^U7/E>
M=Y?G2;=[`'H%`'G_`,5=-\5:Q\./&FB>"M`^'_BCQ-K?A^_T73-`^*LVHQ?#
MC4O[7B.FWL/C2'2=$U6[U3P^NGW5W)<:5%9C^TDB_L][FQ2\:]M`#G_@=X.\
M5?#SP(O@CQ3%X?D_X1GQ!XEL?#FOZ-K&HZQK'C7PK<:Q=:EI'CKXDS:CX>TK
M;\8-=^W7%_XLN+4ZA;:EKL^I:S%=+_;+66G@'L%`'A^O>$O'UY^T-\-_'NG:
M=X/?X>^%_A?\3_!6NWMYXKUJS\9#5?B'K_PY\00W&D^%8/!%SIM_I]C+\*M'
MMF>X\26,DJ^*[V811G1(H=<`_`\0\1_`OXI^/_$NI>/M2\+?!_X6>)H/^$'U
MNZTGP-XV\1>++/XU^*OAS\6/@]\4/!4WQ6\4W'PC\'W>C_V#I_PAO?".E:J^
MC^-;G3K#XKZY<VEM$FF/IGB0#\#T#3/A?\4[C1_'SWVK>'_!/B#XU_&#PYXT
M^(2>#/%7B+4_^$*\":%X$^'7@+7O#/@CQ@?#'AS5==\0>*?#_P`++6P.MQ6G
M@F\\.?\`"Q[_`%'2[JYU#P?8/XA`_`Z_PA\.?&7A/XH:SJMIXJT^T^#L7@_2
MO#7@OX8Z3IL>F:5X:MM,T_PKIVAZ)IFB6L$6F^'M/\-2Z%XUOH=3T[_2M>C^
M+Z:1J<%M8?##PT]\!^![A0!Y_P#%73?%6L?#CQIHG@K0/A_XH\3:WX?O]%TS
M0/BK-J,7PXU+^UXCIM[#XTATG1-5N]4\/KI]U=R7&E168_M)(O[/>YL4O&O;
M0`Y_X'>#O%7P\\"+X(\4Q>'Y/^$9\0>);'PYK^C:QJ.L:QXU\*W&L76I:1XZ
M^),VH^'M*V_&#7?MUQ?^++BU.H6VI:[/J6LQ72_VRUEIX![!0`4`%`!0!\W_
M`+46F6U]X#\#74\FH1R:+^T?^RGJ=FEEJVJZ;;37,O[27PNT=X]6L]/O8+?7
M]/%IJUU(MAJ<5Y:I=16=\D*WVG6=Q:@!^T!I.E>)M?\`V<_!7B73-/\`$'@W
MQE\<-5TGQ?X2URRMM6\,^*M*TS]GKX]^+M-TSQ)H-_'+8ZYI]IXK\->'-:@M
M[V">.+4?#^FWL:K<V,$L0!\`3:3I6I^`_P!L"\U+3-/U"[_9]^!_QDU;X"W5
M]96UW<_!'5?#/[27[?NA>&]3^$4]Q&S_``UU#2M$^%OPRT^QN/#K:=):6OPY
M\+V\#1PZ!IZ6@!]`>!])TJU\9?!GXC6VF:?;_$+QO^V?^UK\/?&GCN&RMHO&
M7B_P#X4C_;(B\+^!_%'B>.,:EK_@_1XOAU\/DL-&OKF>RLU\">'A;P1C1;'[
M,`?H?0`4`%`!0!Y?XU^$/A3Q_JMOK&NZM\4+"[MM/BTR.'P5\;OC1\-=*:VA
MN;NZ22XT+X<^/]#TV[U`RWDRO?SVDEU)&D$+S-#:P)"`>@:3IEMHNE:9HUG)
MJ$UII.GV6F6LVK:MJNOZK+;6%M':P2:GKNNWMYJ6M:@T42M-?ZA=W5U<R%YK
MB:6:1W8`T*`/G_\`:D\+?$?QM\`OBMX.^%MCX?UCQ-XK^'_CGPM_PCVOW4NE
M?V]9^*/!?B'P[]AT3Q#]H6T\/>((=0U33]1MIM3MKJPO/[*DTFZDTE-7_M_0
M0#YPNOV3?'T&B^,=,TZW^%]Y=_%_X'^)/@'KNJWVK:UI]S^SUX!\3^/OC#XO
MA\-_"(0>!;U_B-X/\/Z)\7='\.V/AVXF^&5E/:_!#PN0-/AU**U\)`'U_P"+
M;WXT"Y:Q\">&?A?]DN=0N;)?$_BWQQXK%SH>E2Z5H)L_$S>!-&^'I3Q5J%OK
M=WXH67PT/%WAZ.YM=!TME\0VDVOW"^&P#YPT+]F/Q5X(L[?X5^$;OP_=_"*?
MX@?LZ?$*3QEXC\1:BGQ'T#_AG30O@1H>D^$D\%:9X)&B^+_[=@_9ZT$W'B(^
M)?#7V-_'-_)%H=P-`ABUX`^WZ`"@`H`_+"3]D?XZ6%CXH\*Q>%O@?XW\*>(]
M/_9AT/6$\:_&3XDII7B73_V;_BYKGQ'U`V_PRO/@?XA\/?"_P?XXTW5AI2?#
M7PQ<MX7\(QO/#I<>I6LAA<#\#L+W]E'XIQ^(-.U;1-*^#]A_9OQ@^/GQ,O[R
M+Q1XBT_4?&7_``F'[3_P/_:?^&EWXA%I\+W\GQ!<_P#"EM-^'.L2R7&J?V-I
M3:?K.GW&O?V;'X<8`]@_X4[\4_M7_"SOLOP__P"%F_\`#0'_``O3_A7?_"8>
M(O\`A!/^3<?^&8?^$6_X6I_PK[^U?^1?_P"*P_M+_A`/^/S_`(I_['Y'_%04
M`?/_`(8_9:^/NEZ3X>_M;PC\`)/$W@'X/_L<?#3PEKMO\3O&EW>:A_PRS\<=
M+^*6O6ESJ=S\`H+OPEX?\=:?!'Y\5E_:_P!BO_"&B>=;ZFDPN-'`/L_X5Z)J
MOPE\$>/T^(U]X/T/1--^*'QW^(]KXCMO$ER^E0>`?'7Q+\8?%>#5_%MSKNAZ
M/;^%-0TRT\4WUI?VZ7&IV4,>BB\&INMT\-D`?`'P.^`/B'XS?LQ_L]W^EZI\
M+]-\.^"O@?X2M?!+_#;Q!XF\+R>-O$-W\4O@'\;/&6E>,-3\*VPO/@[XPT_Q
ME\"+GPEJWBCP[JOBS4[G6?$^M^*SI^BZCI:^&[H#\#Z@\"_`#Q;X2^)?P(UZ
M?PC\+Y?"GPT\'_'W^T+N;Q]\0_%GC+PUX^^/OC?2?&^K:IX7OOB#X8UO4O&&
MH646B76B7_BW4_%/A^]UY?B!XAOTTC0[6*/0+X#;RL9_Q:^!?Q3\8_%KQQ\0
M_#_A;X/W.[P_^S!IOP_UGQ#XV\1:;XJ?_A1/[0]I\=/%>@:PUE\(]4_X1'P_
MXJ^V36+2:;J.M[;GP)X>N[FRN/MY3PZ`<_)^S'\4]2^%EQ\--1N_A_IW_"`_
ML@?%;]E+X::W8^(O$6I_\)[_`,+!\._#O0+#Q[XZTV?P38?\*P^R_P#"J=%G
MFT32KKQWG_A++Z--1/\`8<3ZZ!^!Z!X<_9_\2Q_'M_C'XCM?#X_M;Q!IWQ/O
M(K7XG?%C5K/PCXV/P'TCX%:GX0\+?#F+^P?!FN;;*RU#48_BEK6F_P!KSV&K
MW7A\^%;3_1-:TP`^OZ`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`"@`H`*`"@`H`*`"@`H`X_P`:_#WP#\2M*M]"^(W@?P?X^T2TU"+5
MK71O&OAG1?%6E6VJP6UW9P:G;Z?KME=6\.H1VE_?0)<)&)%CO)T#!9G#`''S
M_`?X6:CKOQ3U_P`1^#O#_BZ?XQ_\(/#X[TWQ3X?\.ZKH6KZ=\.+,0^#--OM$
M;1TM-;_LW4)=0U*+4M:CU35?.OXK8ZA_9FBZ'I^B`;>1T%]\)_A9J7_""_VC
M\-/A_?\`_"KOLG_"M/MW@WP[=?\`"N_[/_LO[!_P@OGZ:W_"(_9O[#T7R?[*
M^R>7_8]CLV_9(O+`-"R^'O@'3?&6K?$;3O`_@^P^(6OZ?'I.N^.[+PSHMKXR
MUK2H8],BATS5O$\%DNI:CIZ1:+HZ+;W%S)&JZ39@*!:Q;`#L*`"@`H`*`"@`
MH`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H
<`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@#__V3\_
`
end
</TEXT>
</DOCUMENT>
</SUBMISSION>
